<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 September 30, 2000, and is qualified in its entirety by reference
to such financial statements.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                       3,345,866
<INT-BEARING-DEPOSITS>                         220,886
<FED-FUNDS-SOLD>                             6,966,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 19,654,036
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    113,219,093
<ALLOWANCE>                                  2,726,441
<TOTAL-ASSETS>                             148,413,263
<DEPOSITS>                                 122,642,750
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            623,750
<LONG-TERM>                                 11,493,493
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,094,338
<OTHER-SE>                                  12,558,932
<TOTAL-LIABILITIES-AND-EQUITY>             148,413,263
<INTEREST-LOAN>                              7,729,250
<INTEREST-INVEST>                              937,097
<INTEREST-OTHER>                               254,744
<INTEREST-TOTAL>                             8,921,091
<INTEREST-DEPOSIT>                           4,377,336
<INTEREST-EXPENSE>                           4,806,179
<INTEREST-INCOME-NET>                        4,114,912
<LOAN-LOSSES>                                  225,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              3,141,434
<INCOME-PRETAX>                              1,394,282
<INCOME-PRE-EXTRAORDINARY>                   1,394,282
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   918,067
<EPS-BASIC>                                       0.37
<EPS-DILUTED>                                     0.37
<YIELD-ACTUAL>                                    4.07
<LOANS-NON>                                  3,710,000
<LOANS-PAST>                                   384,000
<LOANS-TROUBLED>                             1,659,000
<LOANS-PROBLEM>                              6,081,000
<ALLOWANCE-OPEN>                             2,559,153
<CHARGE-OFFS>                                  197,292
<RECOVERIES>                                   139,580
<ALLOWANCE-CLOSE>                            2,726,441
<ALLOWANCE-DOMESTIC>                         2,726,441
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        147,640


</TABLE>