<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, 1999, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                       2,925,358
<INT-BEARING-DEPOSITS>                          37,000
<FED-FUNDS-SOLD>                             8,000,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 22,905,032
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     89,448,555
<ALLOWANCE>                                  1,685,486
<TOTAL-ASSETS>                             126,517,842
<DEPOSITS>                                 106,124,060
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            525,331
<LONG-TERM>                                  6,194,664
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,094,338
<OTHER-SE>                                  12,579,449
<TOTAL-LIABILITIES-AND-EQUITY>             126,517,842
<INTEREST-LOAN>                              4,101,958
<INTEREST-INVEST>                              807,091
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             4,909,049
<INTEREST-DEPOSIT>                           2,386,887
<INTEREST-EXPENSE>                           2,573,771
<INTEREST-INCOME-NET>                        2,335,278
<LOAN-LOSSES>                                  140,000
<SECURITIES-GAINS>                                 240
<EXPENSE-OTHER>                              1,748,861
<INCOME-PRETAX>                                786,182
<INCOME-PRE-EXTRAORDINARY>                     786,182
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   517,337
<EPS-BASIC>                                        .21
<EPS-DILUTED>                                      .21
<YIELD-ACTUAL>                                    4.06
<LOANS-NON>                                  1,876,000
<LOANS-PAST>                                    68,000
<LOANS-TROUBLED>                               399,000
<LOANS-PROBLEM>                              6,262,110
<ALLOWANCE-OPEN>                             1,825,319
<CHARGE-OFFS>                                  305,842
<RECOVERIES>                                    25,669
<ALLOWANCE-CLOSE>                            1,685,486
<ALLOWANCE-DOMESTIC>                         1,503,744
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        181,742


</TABLE>