<ARTICLE> 9
<CIK> 0000857855
<NAME> UNITED COMMUNITY BANKS, INC.
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                          78,762
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                19,480
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    469,867
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,166,496
<ALLOWANCE>                                     15,212
<TOTAL-ASSETS>                               1,808,714
<DEPOSITS>                                   1,348,411
<SHORT-TERM>                                   119,435
<LIABILITIES-OTHER>                              9,461
<LONG-TERM>                                    222,527
<PREFERRED-MANDATORY>                           21,000
<PREFERRED>                                          0
<COMMON>                                         7,397
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>               1,808,714
<INTEREST-LOAN>                                 51,885
<INTEREST-INVEST>                               12,599
<INTEREST-OTHER>                                   576
<INTEREST-TOTAL>                                65,060
<INTEREST-DEPOSIT>                              26,435
<INTEREST-EXPENSE>                              34,847
<INTEREST-INCOME-NET>                           30,213
<LOAN-LOSSES>                                    1,798
<SECURITIES-GAINS>                                   8
<EXPENSE-OTHER>                                 23,624
<INCOME-PRETAX>                                  9,547
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,378
<EPS-BASIC>                                       0.44
<EPS-DILUTED>                                     0.44
<YIELD-ACTUAL>                                    4.12
<LOANS-NON>                                      1,865
<LOANS-PAST>                                       458
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  4,804
<ALLOWANCE-OPEN>                                11,929
<CHARGE-OFFS>                                      552
<RECOVERIES>                                       215
<ALLOWANCE-CLOSE>                               15,212
<ALLOWANCE-DOMESTIC>                            15,212
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0