Exhibit 21 Subsidiaries of United Community Banks, Inc. Subsidiary State of Organization - ---------- --------------------- United Community Bank, Blairsville, Georgia (d/b/a Union Georgia County Georgia Bank in Union County, Georgia; First Bank of Habersham in Habersham County, Georgia; United Community Bank of Lumpkin County in Lumpkin County, Georgia; and United Community Bank of Hall County in Hall County, Georgia) Carolina Community Bank, Murphy, NC North Carolina Peoples Bank of Fannin County, Blue Ridge, Georgia (d/b/a Georgia Peoples Bank in Blue Ridge and McCaysville, Georgia and United Community Bank of Gilmer County in Gilmer County, Georgia) White County Bank, Cleveland, Georgia Georgia Towns County Bank, Hiawassee, Georgia Georgia First Clayton Bank & Trust, Clayton, Georgia Georgia Bank of Adairsville, Adairsville, Georgia Georgia 1st Floyd Bank, Rome, Georgia Georgia United Family Finance Co., Blairsville, Georgia Georgia United Family Finance Co. of North Carolina, Murphy, North North Carolina Carolina United Agencies, Inc., Blairsville, Georgia North Carolina United Community Capital Trust Delaware