<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SUMMARY CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM GOLDEN ISLES
FINANCIAL HOLDINGS, INC. UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS FOR THE
PERIOD ENDED SEPTEMBER 30, 1999, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                       2,881,324
<INT-BEARING-DEPOSITS>                       1,001,538
<FED-FUNDS-SOLD>                             3,130,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 23,040,867
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     92,939,551
<ALLOWANCE>                                  2,603,872
<TOTAL-ASSETS>                             126,356,590
<DEPOSITS>                                 106,742,514
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            487,855
<LONG-TERM>                                  6,105,164
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,094,338
<OTHER-SE>                                  11,926,719
<TOTAL-LIABILITIES-AND-EQUITY>             126,356,590
<INTEREST-LOAN>                              6,228,097
<INTEREST-INVEST>                            1,270,300
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             7,498,397
<INTEREST-DEPOSIT>                           3,646,007
<INTEREST-EXPENSE>                           3,924,215
<INTEREST-INCOME-NET>                        3,574,182
<LOAN-LOSSES>                                1,450,000
<SECURITIES-GAINS>                                 240
<EXPENSE-OTHER>                              2,685,257
<INCOME-PRETAX>                               (62,954)
<INCOME-PRE-EXTRAORDINARY>                    (62,954)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                  (42,921)
<EPS-BASIC>                                     (0.02)
<EPS-DILUTED>                                   (0.02)
<YIELD-ACTUAL>                                    4.05
<LOANS-NON>                                  1,506,000
<LOANS-PAST>                                    10,000
<LOANS-TROUBLED>                               715,000
<LOANS-PROBLEM>                              7,358,000
<ALLOWANCE-OPEN>                             1,825,319
<CHARGE-OFFS>                                  726,275
<RECOVERIES>                                    54,828
<ALLOWANCE-CLOSE>                            2,603,872
<ALLOWANCE-DOMESTIC>                         2,121,960
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        481,912


</TABLE>