<TABLE> <S> <C>

<PAGE>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from Golden Isles
Financial Holdings, Inc. unaudited consolidated financial statements for the
period ended March 31, 2000, and is qualified in its entirety by reference to
such financial statements.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                       3,452,846
<INT-BEARING-DEPOSITS>                       1,946,321
<FED-FUNDS-SOLD>                             2,120,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 19,677,018
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    103,294,490
<ALLOWANCE>                                  2,663,672
<TOTAL-ASSETS>                             134,738,485
<DEPOSITS>                                 112,925,489
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            560,404
<LONG-TERM>                                  7,799,329
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,094,338
<OTHER-SE>                                  12,358,925
<TOTAL-LIABILITIES-AND-EQUITY>             134,738,485
<INTEREST-LOAN>                              2,382,073
<INTEREST-INVEST>                              308,957
<INTEREST-OTHER>                                90,145
<INTEREST-TOTAL>                             2,781,175
<INTEREST-DEPOSIT>                           1,361,564
<INTEREST-EXPENSE>                           1,451,711
<INTEREST-INCOME-NET>                        1,329,464
<LOAN-LOSSES>                                   75,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                977,599
<INCOME-PRETAX>                                468,068
<INCOME-PRE-EXTRAORDINARY>                     468,068
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   308,959
<EPS-BASIC>                                       0.12
<EPS-DILUTED>                                     0.12
<YIELD-ACTUAL>                                    4.19
<LOANS-NON>                                  2,467,000
<LOANS-PAST>                                     1,000
<LOANS-TROUBLED>                               337,000
<LOANS-PROBLEM>                              7,208,000
<ALLOWANCE-OPEN>                             2,559,153
<CHARGE-OFFS>                                   73,880
<RECOVERIES>                                   103,399
<ALLOWANCE-CLOSE>                            2,629,437
<ALLOWANCE-DOMESTIC>                         2,629,437
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         34,235


</TABLE>