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<TITLE>Form 8-K</TITLE>
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<DIV style="width: 100%; border-bottom: 2pt solid black; font-size: 1pt">&nbsp;</DIV>
<DIV style="width: 100%; border-bottom: 1pt solid black; font-size: 1pt">&nbsp;</DIV>

<DIV align="center" style="font-size: 14pt; margin-top: 12pt"><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION</B>
</DIV>

<DIV align="center" style="font-size: 12pt"><B>Washington, D.C. 20549</B>
</DIV>

<DIV align="center" style="font-size: 18pt; margin-top: 12pt"><B>FORM 8-K</B>
</DIV>

<DIV align="center" style="font-size: 12pt; margin-top: 12pt"><B>CURRENT REPORT<BR>
Pursuant to Section&nbsp;13 OR 15(d) of The Securities Exchange Act of 1934</B>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 12pt"><B>Date of Report (Date of earliest event reported): April 23, 2009 </B></DIV>

<DIV align="center" style="font-size: 24pt; margin-top: 12pt"><B>United Community Banks, Inc. </B>
</DIV>

<DIV align="center" style="font-size: 10pt">(Exact name of registrant as specified in its charter)</DIV>

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<TD nowrap align="center" valign="top"><B>Georgia
</B></TD>
<TD>&nbsp;</TD>
<TD align="center" valign="top"><B>No. 0-21656
</B></TD>
<TD>&nbsp;</TD>
<TD align="center" valign="top"><B>No. 58-180-7304</B></TD>
</TR>
<TR style="font-size: 1px">
<TD valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
<TD valign="top" align="left">&nbsp;</TD>
<TD valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
<TD valign="top" align="left">&nbsp;</TD>
<TD valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
<TD align="center" valign="top">(State or other jurisdiction<BR>
of incorporation)
</TD>
<TD>&nbsp;</TD>
<TD align="center" valign="top">(Commission File Number)
</TD>
<TD>&nbsp;</TD>
<TD align="center" valign="top">(IRS Employer Identification No.)</TD>
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<TD width="48%">&nbsp;</TD>
<TD width="2%">&nbsp;</TD>
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<TD align="center" valign="top"><B>63 Highway 515, P.O. Box 398 <BR>
Blairsville, Georgia
</B></TD>
<TD>&nbsp;</TD>
<TD align="center" valign="top"><B>&nbsp;<BR>30512 </B></TD>
</TR>
<TR style="font-size: 1px">
<TD valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
<TD valign="top" align="left">&nbsp;</TD>
<TD valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
<TD align="center" valign="top">(Address of principal executive offices)
</TD>
<TD>&nbsp;</TD>
<TD align="center" valign="top">(Zip Code)</TD>
</TR>
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</TABLE>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 12pt">Registrant&#146;s telephone number, including area code: <B>(706) 781-2265 </B></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 12pt"><B>Not applicable </B></DIV>

<DIV align="center" style="font-size: 10pt"><FONT style="border-top: 1px solid #000000">(Former name or former address, if changed since last report.)</FONT></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: </DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
<TD width="3%" nowrap align="left"><FONT face="wingdings" size="2">&#111;</FONT></TD>
<TD width="1%">&nbsp;</TD>
<TD>Written communications pursuant to Rule&nbsp;425 under the Securities Act (17 CFR 230.425)</TD>
</TR>

<TR>
<TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
<TD width="3%" nowrap align="left"><FONT face="wingdings" size="2">&#111;</FONT></TD>
<TD width="1%">&nbsp;</TD>
<TD>Soliciting material pursuant to Rule&nbsp;14a-12 under the Exchange Act (17 CFR 240.14a-12)</TD>
</TR>

<TR>
<TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
<TD width="3%" nowrap align="left"><FONT face="wingdings" size="2">&#111;</FONT></TD>
<TD width="1%">&nbsp;</TD>
<TD>Pre-commencement communications pursuant to Rule&nbsp;14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</TD>
</TR>

<TR>
<TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
<TD width="3%" nowrap align="left"><FONT face="wingdings" size="2">&#111;</FONT></TD>
<TD width="1%">&nbsp;</TD>
<TD>Pre-commencement communications pursuant to Rule&nbsp;13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</TD>
</TR>

</TABLE>
</DIV>

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<DIV style="width: 100%; border-bottom: 2pt solid black; font-size: 1pt">&nbsp;</DIV>


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<DIV align="left" style="font-size: 10pt; margin-top: 10pt"><B>Item&nbsp;2.02 Results of Operation and Financial Condition</B>
</DIV>



<DIV align="left" style="font-size: 10pt; margin-top: 10pt; margin-left: 4%">On April&nbsp;23, 2009, United Community Banks, Inc. (the
&#147;Registrant&#148;) issued a news release announcing its financial
results for the quarter ended March&nbsp;31, 2009 (the &#147;News
Release&#148;). The News Release, including financial schedules, is
attached as Exhibit&nbsp;99.1 to this report. In connection with
issuing the News Release, on April&nbsp;23, 2009 at 11:00&nbsp;a.m. EST,
the Registrant intends to hold a conference call/webcast to
discuss the News Release.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 10pt; margin-left: 4%">The presentation of the Registrant&#146;s financial results included
operating performance measures, which are measures of
performance determined by methods other than in accordance with
generally accepted accounting principles, or GAAP. Management
included non-GAAP operating performance measures because it
believes it is useful for evaluating the Registrant&#146;s operations
and performance over periods of time, and uses operating
performance measures in managing and evaluating the Registrant&#146;s
business and intends to use it in discussions about the
Registrant&#146;s operations and performance. Operating performance
measures for the first quarter of 2009 exclude the effects of a
$70&nbsp;million non-cash goodwill impairment charge and $2.9&nbsp;million
in non-recurring severance charges related to a reduction in
workforce because management feels that the two expense items
are non-recurring in nature and do not reflect overall trends in
the Registrant&#146;s earnings. Management believes these non-GAAP
performance measures may provide users of the Registrant&#146;s
financial information with a meaningful measure for assessing
the Registrant&#146;s financial results and comparing those financial
results to prior periods.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 10pt; margin-left: 4%">Operating performance measures should be viewed in addition to,
and not as an alternative or substitute for, the Registrant&#146;s
performance measures determined in accordance with GAAP, and is
not necessarily comparable to non-GAAP performance measures that
may be presented by other companies.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 10pt"><B>Item&nbsp;9.01 Financial Statements and Exhibits</B>
</DIV>


<DIV style="margin-top: 10pt">
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<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="8%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Financial statements: None</TD>
</TR>

<TR style="font-size: 8pt">
    <TD>&nbsp;</TD>
</TR> <TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="8%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Pro forma financial information: None</TD>
</TR>

<TR style="font-size: 8pt">
    <TD>&nbsp;</TD>
</TR> <TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="8%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Exhibits:</TD>
</TR>

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    <TD width="5%">&nbsp;</TD>
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    <TD width="77%">&nbsp;</TD>
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    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">99.1</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Press Release, dated April&nbsp;23, 2009</DIV></TD>
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<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
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</TABLE>
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<DIV align="center" style="font-size: 10pt; margin-top: 10pt">SIGNATURES
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 10pt">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused
this report to be signed on its behalf by the undersigned hereunto duly authorized.
</DIV>

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<TR>
    <TD width="48%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="35%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
</TR>
<TR>
    <TD align="left">&nbsp;</TD>
    <TD colspan="3" style="border-bottom: 1px solid #000000" align="left"><B><I>/s/ Rex S. Schuette</I></B>
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD colspan="3" align="left">Rex S. Schuette&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">April 23, 2009&nbsp;</TD>
    <TD colspan="3" align="left" nowrap>Executive Vice President and
Chief Financial Officer</TD>
    <TD>&nbsp;</TD>
</TR>

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<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
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    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="35%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
</TR>

</TABLE>

<DIV align="center" style="font-size: 10pt; margin-top: 10pt">EXHIBIT INDEX
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head --><TR valign="bottom">
    <TD width="5%">&nbsp;</TD>
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    <TD width="3%">&nbsp;</TD>
    <TD width="77%">&nbsp;</TD>
</TR>
<TR style="font-size: 10pt" valign="bottom">
    <TD nowrap align="center" colspan="3">Exhibit</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
</TR>
<TR style="font-size: 10pt" valign="bottom">
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000">Number</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left" style="border-bottom: 1px solid #000000">Description</TD>
</TR>

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<TR valign="bottom">
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">99.1</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Press Release, dated April&nbsp;23, 2009</DIV></TD>
</TR>
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Form 8-K
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): April 23, 2009
United Community Banks, Inc.
(Exact name of registrant as specified in its charter)
Georgia
No. 0-21656
No. 58-180-7304
(State or other jurisdiction
of incorporation)
(Commission File Number)
(IRS Employer Identification No.)
63 Highway 515, P.O. Box 398
Blairsville, Georgia
30512
(Address of principal executive offices)
(Zip Code)
Registrant's telephone number, including area code:
(706) 781-2265
Not applicable
(Former name or former address, if changed since last report.)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
o
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
o
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
o
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
o
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Item 2.02 Results of Operation and Financial Condition
On April 23, 2009, United Community Banks, Inc. (the
"Registrant") issued a news release announcing its financial
results for the quarter ended March 31, 2009 (the "News
Release"). The News Release, including financial schedules, is
attached as Exhibit 99.1 to this report. In connection with
issuing the News Release, on April 23, 2009 at 11:00 a.m. EST,
the Registrant intends to hold a conference call/webcast to
discuss the News Release.
The presentation of the Registrant's financial results included
operating performance measures, which are measures of
performance determined by methods other than in accordance with
generally accepted accounting principles, or GAAP. Management
included non-GAAP operating performance measures because it
believes it is useful for evaluating the Registrant's operations
and performance over periods of time, and uses operating
performance measures in managing and evaluating the Registrant's
business and intends to use it in discussions about the
Registrant's operations and performance. Operating performance
measures for the first quarter of 2009 exclude the effects of a
$70 million non-cash goodwill impairment charge and $2.9 million
in non-recurring severance charges related to a reduction in
workforce because management feels that the two expense items
are non-recurring in nature and do not reflect overall trends in
the Registrant's earnings. Management believes these non-GAAP
performance measures may provide users of the Registrant's
financial information with a meaningful measure for assessing
the Registrant's financial results and comparing those financial
results to prior periods.
Operating performance measures should be viewed in addition to,
and not as an alternative or substitute for, the Registrant's
performance measures determined in accordance with GAAP, and is
not necessarily comparable to non-GAAP performance measures that
may be presented by other companies.
Item 9.01 Financial Statements and Exhibits
(a)
Financial statements: None
(b)
Pro forma financial information: None
(c)
Exhibits:
99.1
Press Release, dated April 23, 2009
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused
this report to be signed on its behalf by the undersigned hereunto duly authorized.
/s/ Rex S. Schuette
Rex S. Schuette
April 23, 2009
Executive Vice President and
Chief Financial Officer
EXHIBIT INDEX
Exhibit
Number
Description
99.1
Press Release, dated April 23, 2009