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<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<CIK> 0000883476
<NAME> CRESCENT BANKING COMPANY
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 5,662
<INT-BEARING-DEPOSITS> 76
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 89,075
<INVESTMENTS-HELD-FOR-SALE> 11,457
<INVESTMENTS-CARRYING> 13,954
<INVESTMENTS-MARKET> 15,536
<LOANS> 76,814
<ALLOWANCE> 1,088
<TOTAL-ASSETS> 206,207
<DEPOSITS> 122,266
<SHORT-TERM> 51,543
<LIABILITIES-OTHER> 4,050
<LONG-TERM> 13,490
0
0
<COMMON> 1,785
<OTHER-SE> 13,074
<TOTAL-LIABILITIES-AND-EQUITY> 206,207
<INTEREST-LOAN> 6,819
<INTEREST-INVEST> 522
<INTEREST-OTHER> 44
<INTEREST-TOTAL> 7,419
<INTEREST-DEPOSIT> 2,319
<INTEREST-EXPENSE> 3,591
<INTEREST-INCOME-NET> 3,827
<LOAN-LOSSES> 235
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 7,191
<INCOME-PRETAX> 65,214
<INCOME-PRE-EXTRAORDINARY> 45,858
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 45,858
<EPS-BASIC> 0.03
<EPS-DILUTED> 0.03
<YIELD-ACTUAL> 9.82
<LOANS-NON> 0
<LOANS-PAST> 803
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 1,460
<ALLOWANCE-OPEN> 865
<CHARGE-OFFS> 13
<RECOVERIES> 1
<ALLOWANCE-CLOSE> 1,088
<ALLOWANCE-DOMESTIC> 1,017
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 71
</TABLE>
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