CONSENT OF THE CARSON MEDLIN COMPANY FOR INDEPENDENT
We hereby consent to the inclusion as Appendix C to the Prospectus/Proxy
Statement constituting part of the Registration Statement on Form S-4 of United
Community Banks, Inc. of our letter to the Board of Directors of Independent
Bancshares, Inc. and to the references made to such letter and to the firm in
such Prospectus/Proxy Statement. In giving such consent, we do not thereby admit
that we come within the category of persons whose consent is required under
Section 7 of the Securities Act of 1933 or the rules and regulations of the
Securities and Exchange Commission thereunder.
THE CARSON MEDLIN COMPANY
Atlanta, Georgia
June 5, 2000
