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 of Fannin County, Georgia Blue Ridge, Georgia (d/b/a Peoples Bank and United Community Bank of Gilmer County) Towns County Bank, Hiawassee, Georgia Georgia White County Bank, Cleveland, Georgia Georgia First Clayton Bancshares, Inc., Georgia Clayton, Georgia United Family Finance Co. Georgia United Family Finance Co. of North Carolina North Carolina, Murphy, North Carolina