<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, 1999, and is qualified in its entirety by reference to
such financial statements.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                       4,300,808
<INT-BEARING-DEPOSITS>                         149,634
<FED-FUNDS-SOLD>                             4,730,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 21,832,272
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     86,550,301
<ALLOWANCE>                                  1,832,146
<TOTAL-ASSETS>                             121,125,394
<DEPOSITS>                                 100,368,119
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            650,242
<LONG-TERM>                                  6,411,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,094,338
<OTHER-SE>                                  12,601,695
<TOTAL-LIABILITIES-AND-EQUITY>             121,125,394
<INTEREST-LOAN>                              2,082,327
<INTEREST-INVEST>                              381,099
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             2,463,426
<INTEREST-DEPOSIT>                           1,217,245
<INTEREST-EXPENSE>                           1,275,874
<INTEREST-INCOME-NET>                        1,187,552
<LOAN-LOSSES>                                   70,000
<SECURITIES-GAINS>                               2,240
<EXPENSE-OTHER>                                835,978
<INCOME-PRETAX>                                454,400
<INCOME-PRE-EXTRAORDINARY>                     454,400
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   294,190
<EPS-PRIMARY>                                      .12
<EPS-DILUTED>                                      .12
<YIELD-ACTUAL>                                    5.18
<LOANS-NON>                                    856,316
<LOANS-PAST>                                   246,828
<LOANS-TROUBLED>                               767,148
<LOANS-PROBLEM>                              5,786,806
<ALLOWANCE-OPEN>                             1,825,319
<CHARGE-OFFS>                                   73,842
<RECOVERIES>                                    10,669
<ALLOWANCE-CLOSE>                            1,832,146
<ALLOWANCE-DOMESTIC>                         1,574,340
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        257,806
        

</TABLE>