EXHIBIT 5

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April 13, 2004                                  RCheatham@KilpatrickStockton.com

United Community Banks, Inc.
63 Highway 515
Blairsville, Georgia 30512

        Re:  United Community Banks, Inc.
             Registration Statement on S-4 (File No. 333-_____)

Ladies and Gentlemen:

         At your request, we have examined the Registration Statement on Form
S-4 (the "Registration Statement") filed by United Community Banks, Inc. (the
"Company"), a Georgia corporation, with the Securities and Exchange Commission
with respect to the registration under the Securities Act of 1933, as amended,
of 914,680 shares of common stock, par value $1.00 per share of the Company (the
"Common Stock"), to be issued by the Company to the shareholders of Fairbanco
Holding Company, Inc. ("Fairbanco"), in connection with the merger of Fairbanco
with and into the Company.

         As your counsel, and in connection with the preparation of the
Registration Statement, we have examined the originals or copies of such
documents, corporate records, certificates of public officials and officers of
the Company, and other instruments related to the authorization and issuance of
the Common Stock as we deemed relevant or necessary for the opinion expressed
herein. Based upon the foregoing, it is our opinion that the shares of Common
Stock to be issued by the Company to the Fairbanco shareholders will be, upon
issuance, sale, and delivery in the manner and under the terms and conditions
described in the Registration Statement, validly issued, fully paid, and
nonassessable.

         We hereby consent to the use of this opinion as an exhibit to the
Registration Statement and further consent to the use of our name in the "Legal
Matters" section of the Registration Statement, including the Prospectus
constituting a part thereof, and any amendments thereto.

                                       Sincerely,

                                       KILPATRICK STOCKTON LLP

                                       By: /s/ Richard R. Cheatham
                                          --------------------------------
                                          Richard R. Cheatham, a Partner

  ATLANTA AUGUSTA CHARLOTTE LONDON RALEIGH STOCKHOLM WASHINGTON WINSTON-SALEM