<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 JUNE 30, 1998, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                       4,134,981
<INT-BEARING-DEPOSITS>                       1,559,915
<FED-FUNDS-SOLD>                             6,650,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 19,165,639
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     92,033,026
<ALLOWANCE>                                  1,583,138
<TOTAL-ASSETS>                             126,191,065
<DEPOSITS>                                  96,586,552
<SHORT-TERM>                                   878,671
<LIABILITIES-OTHER>                          1,190,088
<LONG-TERM>                                 14,832,665
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,094,338
<OTHER-SE>                                  11,608,751
<TOTAL-LIABILITIES-AND-EQUITY>             126,191,065
<INTEREST-LOAN>                              5,111,306
<INTEREST-INVEST>                              703,037
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             5,814,343
<INTEREST-DEPOSIT>                           2,390,637
<INTEREST-EXPENSE>                           2,945,219
<INTEREST-INCOME-NET>                        2,869,124
<LOAN-LOSSES>                                  280,757
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              2,257,629
<INCOME-PRETAX>                                854,656
<INCOME-PRE-EXTRAORDINARY>                     854,656
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   515,131
<EPS-PRIMARY>                                      .22
<EPS-DILUTED>                                      .22
<YIELD-ACTUAL>                                    4.91
<LOANS-NON>                                  1,108,721
<LOANS-PAST>                                   256,297
<LOANS-TROUBLED>                               511,884
<LOANS-PROBLEM>                              1,857,708
<ALLOWANCE-OPEN>                             1,512,953
<CHARGE-OFFS>                                  427,623
<RECOVERIES>                                   217,051
<ALLOWANCE-CLOSE>                            1,583,138
<ALLOWANCE-DOMESTIC>                           787,888
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        795,250
        

</TABLE>