EXHIBIT 23.2

                          INDEPENDENT AUDITOR'S CONSENT

         We consent to the use in this Registration Statement of United
Community Banks, Inc. (the "Registration Statement") on Form S-4 of our report
dated February 6, 2004, with a dual date of March 11, 2004 as to Note 19, on the
consolidated financial statements of Fairbanco Holding Company, Inc. appearing
in the proxy statement/prospectus, which is a part of this Registration
Statement. We also consent to the reference to our Firm under the caption
"Experts" in such proxy statement/prospectus.

                                                  /s/ Mauldin & Jenkins, LLC

Atlanta, Georgia
April 13, 2004