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