Exhibit 21 Subsidiaries of United Community Banks, Inc. Subsidiary State of Organization - - ---------------------------------------- --------------------- United Community Bank, Blairsville, Georgia Georgia (d/b/a Union County Bank in Union County, Georgia; d/b/a First Bank of Habersham in Habersham County, Georgia; d/b/a United Community Bank in Lumpkin County, Georgia) Carolina Community Bank, Murphy, North North Carolina Carolina Peoples Bank, Blue Ridge, Georgia Georgia Towns County Bank, Hiawassee, Georgia Georgia White County Bank, Cleveland, Georgia Georgia United Family Finance Co. (formerly Georgia Mountain Mortgage and Loan Company), Hiawassee, Georgia, Blue Ridge, Georgia