Chetnik uprisings, often in conjunction with the Partisans, against Axis occupation forces began in early July 1941 in Western Serbia. Uprisings in the areas of Loznica, Rogatica, Banja Koviljača and Olovo lead to early victories. On 19 September 1941, Tito and Mihailović met for the first time in Struganik where Tito offered Mihailović the chief-of-staff post in return for the merger of their units. Mihailović refused to attack the Germans, fearing reprisals, but promised to not attack the Partisans. According to Mihailović the reason was humanitarian: the prevention of German reprisals against Serbs at the published rate of 100 civilians for every German soldier killed, 50 civilians for every soldier wounded. On 20 October, Tito proposed a 12-point program to Mihailović as the basis of cooperation. Six days later, Tito and Mihailović met at Mihailović's headquarters where Mihailović rejected principal points of Tito's proposal including the establishment of common headquarters, joint military actions against the Germans and quisling formations, establishment of a combined staff for the supply of troops, and the formation of national liberation committees. These disagreements lead to uprisings being quashed in Montenegro and Novi Pazar due to poor coordination between the resistance forces. Mihailović's fears for ongoing reprisals became a reality with two mass murder campaigns conducted against Serb civilians in Kraljevo and Kragujevac, reaching a combined death toll of over 4,500 civilians. Killings in the Independent State of Croatia were also in full swing with thousands of Serb civilians being killed by the Ustaše militia and death squads. In late October, Mihailović concluded the Partisans, rather than Axis forces, were the primary enemies of the Chetniks.