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<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<CIK> 0000883476
<NAME> CRESCENT BANKING COMPANY
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-1-2000
<PERIOD-END> MAR-31-2000
<CASH> 3,918
<INT-BEARING-DEPOSITS> 122
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 67,311
<INVESTMENTS-HELD-FOR-SALE> 10,914
<INVESTMENTS-CARRYING> 13,382
<INVESTMENTS-MARKET> 14,957
<LOANS> 64,309
<ALLOWANCE> 947
<TOTAL-ASSETS> 168,129
<DEPOSITS> 115,117
<SHORT-TERM> 28,745
<LIABILITIES-OTHER> 5,593
<LONG-TERM> 4,050
0
0
<COMMON> 1,764
<OTHER-SE> 12,858
<TOTAL-LIABILITIES-AND-EQUITY> 168,129
<INTEREST-LOAN> 1,520
<INTEREST-INVEST> 257
<INTEREST-OTHER> 58
<INTEREST-TOTAL> 3,278
<INTEREST-DEPOSIT> 1,118
<INTEREST-EXPENSE> 1,667
<INTEREST-INCOME-NET> 1,611
<LOAN-LOSSES> 95
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 3,514
<INCOME-PRETAX> (194,341)
<INCOME-PRE-EXTRAORDINARY> (124,376)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (124,376)
<EPS-BASIC> (0.07)
<EPS-DILUTED> (0.07)
<YIELD-ACTUAL> 9.22
<LOANS-NON> 0
<LOANS-PAST> 219
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 1,108
<ALLOWANCE-OPEN> 865
<CHARGE-OFFS> 13
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 865
<ALLOWANCE-DOMESTIC> 885
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 62
</TABLE>
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