SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549
                                   FORM 10-QSB


[X]     QUARTERLY  REPORT  UNDER SECTION 13 AND 15(d) OF THE SECURITIES EXCHANGE
        ACT  OF  1934
           For  the  quarterly  period  ended  September  30,  2003
                                               --------------------

[ ]     TRANSITION  REPORT  UNDER  SECTION 13 OR 15(d) OF THE EXCHANGE ACT 1934
           For  the  transition  period  from  _______  to  _______


                       Commission File Number:   000-25345
                                                 ---------


                       COMMUNITY CAPITAL BANCSHARES, INC.
             (Exact name of registrant as specified in its charter)

                 Georgia                               58-2413468
     ------------------------------------------------------------------
     (State  or  other  jurisdiction  of             (IRS  Employer
       Incorporation  or  organization)            Identification  No.)

                    P.O. Drawer 71269, Albany, Georgia 31708
                    ----------------------------------------
                    (Address of principal executive offices)

                                 (229) 446-2265
                                 --------------
              (Registrant's telephone number, including area code)

                                 Not Applicable
                                 --------------
     (Former  name, former address and former fiscal year, if changed since last
report)

     Indicate  by  check  mark  whether the registrant (1) has filed all reports
required  to  be  filed by Section 13 or 15(d) of the Securities Exchange Act of
1934  during  the  preceding  12  months  (or  for  such shorter period that the
registrant  was required to file such reports), and (2) has been subject to such
filing  requirements  for  the  past  90  days.
Yes  X     No
    ---       ---


                      APPLICABLE ONLY TO CORPORATE ISSUERS:

Indicate  the  number  of  shares outstanding of each of the issuer's classes of
common  stock  as  of  November  12,  2003:
     1,434,585  SHARES

Transitional  Small  Business  Disclosure  Format  (check  one):
Yes        No  X
    ---       ---


<PAGE>
<TABLE>
<CAPTION>
PART I - FINANCIAL INFORMATION                                          Page No.
                                                                        --------
<S>                                                                     <C>
ITEM 1.   Financial Statements

          Consolidated balance sheets (unaudited) as of
          December 31, 2002 and September 30, 2003                             3

          Consolidated statement of operations (unaudited) for
          the three and nine months ended September 30, 2002 and 2003          4

          Consolidated statement of comprehensive income (unaudited)
          for the three and nine months ended Sept. 30, 2002 and 2003          5

          Statement of cash flows (unaudited) for the nine
          months ended September 30, 2002 and 2003                             6

Item 2.   Management's Discussion and Analysis of
          Financial Condition and results of operations                       10

Item 3.   Controls and procedures                                             13

PART II - OTHER INFORMATION

ITEM 1.   Legal Proceedings                                                   14

ITEM 2.   Changes in Securities and use of proceeds                           14

ITEM 3.   Defaults on Senior Securities                                       14

ITEM 4.   Submission of matters to a vote of Security Holders                 14

ITEM 5.   Other Information                                                   14

ITEM 6.   Exhibits and reports on Form 8-K                                    14
</TABLE>


<PAGE>
<TABLE>
<CAPTION>
                                  COMMUNITY CAPITAL BANCSHARES, INC.
                                            AND SUBSIDIARY
                               CONSOLIDATED BALANCE SHEETS (UNAUDITED)
                                        (Dollars in thousands)



                                                             September 30, 2003    December 31, 2002
                                                            --------------------  -------------------
<S>                                                         <C>                   <C>
ASSETS
------
Cash and due from banks                                     $             3,678   $            6,920
Federal funds sold                                                          533                    0
Securities available for sale                                            28,212               16,968
Loans                                                                    94,549               81,713
Less allowance for loan losses                                            1,060                  821
                                                            --------------------  -------------------
     Loans, net                                                          93,489               80,892
Premises and equipment                                                    3,519                3,058
Other assets                                                              2,042                1,348
                                                            --------------------  -------------------
     TOTAL ASSETS                                           $           131,473   $          109,186
                                                            ====================  ===================

LIABILITIES AND SHAREHOLDERS' EQUITY
------------------------------------
Deposits
     Non-interest bearing                                   $             7,781   $            6,731
     Interest bearing                                                    93,437               79,273
                                                            --------------------  -------------------
          Total deposits                                                101,218               86,004
Other borrowings                                                         19,610               12,590
Other liabilities                                                           897                  849
                                                            --------------------  -------------------
     TOTAL LIABILITIES                                                  121,725               99,443
                                                            --------------------  -------------------

Shareholders' equity
Preferred stock, par value not stated; 2,000,000 shares
authorized;
   no shares issued                                         $               - -   $              - -
Common stock, $1.00 par value, 10,000,000 shares
authorized;
   1,499,560 shares issued                                                1,500                1,500
Capital surplus                                                           8,084                8,084
Retained earnings                                                           687                  354
Accumulated other comprehensive income                                      (46)                 295
Less cost of treasury stock, 65,773 shares as of September
30, 2003 and 68,539 shares as of December 31, 2002                         (477)                (490)
                                                            --------------------  -------------------
       TOTAL SHAREHOLDERS' EQUITY                                         9,748                9,743
                                                            --------------------  -------------------
     TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY             $           131,473   $          109,186
                                                            ====================  ===================
</TABLE>


                                        3
<PAGE>
<TABLE>
<CAPTION>
                                            COMMUNITY CAPITAL BANCSHARES, INC.
                                             CONSOLIDATED STATEMENTS OF INCOME
                              FOR THE THREE AND NINE MONTHS ENDED SEPTEMBER 30, 2003 AND 2002
                                                        (UNAUDITED)
                                     (DOLLARS IN THOUSANDS, EXCEPT EARNINGS PER SHARE)


                                                                 Three months ended              Nine months ended
                                                            ------------------------------  ------------------------------
                                                            Sept 30, 2003   Sept 30, 2002   Sept 30, 2003   Sept 30, 2002
                                                            --------------  --------------  --------------  --------------
<S>                                                         <C>             <C>             <C>             <C>
INTEREST INCOME
  Loans                                                              1,519           1,406           4,558           4,025
  Taxable securities                                                   255             268             569             711
  Tax exempt securities                                                 13              10              35              24
  Deposits in banks                                                      6               8              19              11
  Federal funds sold                                                     4              10              24              38
                                                            --------------  --------------  --------------  --------------
       TOTAL INTEREST INCOME                                         1,797           1,702           5,205           4,809
                                                            --------------  --------------  --------------  --------------
INTEREST EXPENSE
  Deposits                                                             476             579           1,528           1,686
  Other borrowed money                                                 180             114             445             345
                                                            --------------  --------------  --------------  --------------
       TOTAL INTEREST EXPENSE                                          656             693           1,973           2,031
                                                            --------------  --------------  --------------  --------------
       NET INTEREST INCOME                                           1,141           1,009           3,232           2,778
  Provision for loan losses                                            163              34             378             354
                                                            --------------  --------------  --------------  --------------
       NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES             978             975           2,854           2,424
                                                            --------------  --------------  --------------  --------------
OTHER INCOME
  Service charges on deposit accounts                                  138              98             381             269
  Financial service fees                                               135              10             163              69
  Mortgage origination fees                                             37              72             190             164
  Gain on sale of investment securities                                  0              66               0             108
  Other service charges, commissions and fees                            3              15              59              35
                                                            --------------  --------------  --------------  --------------
       TOTAL OTHER INCOME                                              313             261             793             645
                                                            --------------  --------------  --------------  --------------
OTHER EXPENSES
  Salaries and employee benefits                                       470             404           1,445           1,109
  Equipment and occupancy expense                                      156             109             452             303
  Marketing expense                                                     22              40              72             111
  Data processing expense                                               92              65             263             193
  Administrative expenses                                              146             127             467             336
  Other operating expenses                                             120             115             361             282
                                                            --------------  --------------  --------------  --------------
       TOTAL OTHER EXPENSES                                          1,006             860           3,060           2,334
                                                            --------------  --------------  --------------  --------------
       INCOME BEFORE INCOME TAXES                                      285             376             587             735
  Income tax expense                                                    93             128             195             254
                                                            --------------  --------------  --------------  --------------
       NET INCOME                                                      192             248             392             481
                                                            ==============  ==============  ==============  ==============

NET INCOME PER COMMON SHARE                                 $         0.13  $         0.17  $         0.27  $         0.33
                                                            ==============  ==============  ==============  ==============
DILUTED NET INCOME PER COMMON SHARE                         $         0.12  $         0.17  $         0.24  $         0.32
                                                            ==============  ==============  ==============  ==============
  WEIGHTED AVERAGE SHARES OUTSTANDING                            1,433,116       1,437,488       1,432,225       1,442,092
  DILUTED AVERAGE SHARES OUTSTANDING                             1,665,413       1,478,407       1,648,937       1,483,011
                                                            ==============  ==============  ==============  ==============
</TABLE>


                                        4
<PAGE>
<TABLE>
<CAPTION>
                                  COMMUNITY CAPITAL BANCSHARES, INC.
                                            AND SUBSIDIARY
                            CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
                                              (UNAUDITED)
                        Three and nine months ended September 30, 2002 and 2003
                                        (Dollars in thousands)


                                          Three Months Ended                 Nine Months Ended
                                    --------------------------------  --------------------------------
                                     Sept 30, 2003    Sept 30, 2002    Sept 30, 2003    Sept 30, 2002
<S>                                 <C>              <C>              <C>              <C>

NET INCOME (LOSS)                   $          192   $          248   $          392   $          481
Other comprehensive Income
Net unrealized holding gains
(losses) arising during period                (542)             345             (503)             454
Tax (expense) benefit on
unrealized holding gains                       184             (117)             162             (154)
Reclassification adjustment for
gains included in net income, net
of income taxes of $27 for 3
months ended and $41 for 9
months ended September 30,
2002                                                            (54)                              (82)
                                    ===============  ===============  ===============  ===============
 COMPREHENSIVE INCOME               $         (166)  $          422   $           51   $          699
                                    ===============  ===============  ===============  ===============
</TABLE>


                                        5
<PAGE>
<TABLE>
<CAPTION>
                                          COMMUNITY CAPITAL BANCSHARES, INC.
                                                    AND SUBSIDIARY
                                         CONSOLIDATED STATEMENTS OF CASH FLOWS
                                                      (UNAUDITED)
                                     Nine Months ended September 30, 2002 and 2003
                                                (Dollars in thousands)



                                                                                                    2003       2002
                                                                                                  ---------  ---------
<S>                                                                                               <C>        <C>
CASH FLOWS FROM OPERATING ACTIVITIES:
  Net income                                                                                      $    392   $    481
  Adjustments to reconcile net income to net cash    provided by (used in) operating activities:
  Depreciation                                                                                         217        137
  Provision for loan losses                                                                            378        354
  Provision for deferred taxes                                                                          39        (36)
  Increase in interest receivable                                                                     (215)        42
  Net (gain) on sale of investments available for sale                                                 - -       (108)
  Other operating activities                                                                          (315)      (311)
                                                                                                  ---------  ---------
       Net cash provided by operating activities                                                       496        559
                                                                                                  ---------  ---------

CASH FLOWS FROM INVESTING ACTIVITIES:
  Purchase of property and equipment                                                                  (678)      (237)
  Net decrease (increase) in federal funds sold                                                       (533)     1,421
  Net (increase) in loans                                                                          (12,968)   (13,009)
  Proceeds from maturities of securities available for sale                                          4,918     10,575
  Proceeds from sale of securities available for sale                                                  - -      3,331
  Purchase of securities available for sale                                                        (16,665)   (17,126)
                                                                                                  ---------  ---------
       Net cash used in Investing activities                                                       (25,926)   (15,045)
                                                                                                  ---------  ---------

CASH FLOWS FROM FINANCING ACTIVITIES:
  Net increase in deposits                                                                          15,214     16,168
  Proceeds from Other Borrowings                                                                     5,000        - -
  Proceeds from Trust Preferred Issuance                                                             4,000        - -
  Dividends paid to shareholders by parent                                                             (59)       - -
  Increase (decrease) in Fed Funds purchased                                                        (1,705)       - -
  Repayment of Other Borrowings                                                                       (275)      (275)
  Treasury stock transactions, net                                                                      13       (118)
                                                                                                  ---------  ---------
       Net cash provided by financing activities                                                    22,188     15,775
                                                                                                  ---------  ---------
     Net increase (decrease) in cash                                                                (3,242)     1,289
  Cash and due from banks at beginning of period                                                     6,920      4,471
                                                                                                  ---------  ---------
  Cash and due from banks at end of period                                                        $  3,678   $  5,760
                                                                                                  =========  =========

SUPPLEMENTAL DISCLOSURE
  Cash paid for interest                                                                          $  1,963   $  1,994
                                                                                                  =========  =========
  Cash paid for income taxes                                                                      $    397   $     53
                                                                                                  =========  =========

NON-CASH TRANSACTION
  Unrealized gains (losses) on securities available for sale                                      $   (503)  $    221
                                                                                                  =========  =========
</TABLE>


                                        6
<PAGE>
                       COMMUNITY CAPITAL BANCSHARES, INC.
                                 AND SUBSIDIARY
                          NOTES TO FINANCIAL STATEMENTS

NOTE  1.  ORGANIZATION  AND  SUMMARY  OF  SIGNIFICANT  ACCOUNTING  POLICIES

NATURE  OF  BUSINESS

Community  Capital  Bancshares,  Inc.  (the "Company") is a bank holding company
whose business is conducted by its wholly-owned subsidiary, Albany Bank & Trust,
(the  "Bank").  The  Bank  is a commercial bank located in Albany, Georgia.  The
Bank  provides  a  full  range of banking services in its primary market area of
Dougherty  County  and the surrounding counties.  The Bank commenced its banking
operations  on  April  28,  1999.

BASIS  OF  PRESENTATION

The  consolidated  financial  statements include the accounts of the Company and
its  subsidiary.  Significant  intercompany  transactions  and  accounts  are
eliminated  in  consolidation.

The  preparation  of  financial statements in conformity with generally accepted
accounting principles requires management to make estimates and assumptions that
affect  the  reported  amounts  of  assets  and  liabilities  and disclosures of
contingent  assets and liabilities as of the balance sheet date and the reported
amounts  of  revenues  and expenses during the reporting period.  Actual results
could  differ  from  those  estimates.  Material estimates that are particularly
susceptible  to  significant change in the near term relate to the determination
of  the  allowance  for loan losses, the valuation of foreclosed real estate and
deferred  taxes.

The  interim  financial statements included herein are unaudited but reflect all
adjustments  which,  in  the  opinion  of  management,  are necessary for a fair
presentation of the financial position and results of operations for the interim
period  presented.  All  such adjustments are of a normal recurring nature.  The
results  of  operations  for  the  period  ended  September  30,  2003  are  not
necessarily indicative of the results of a full year's operations, and should be
read  in  conjunction  with the Company's annual report as filed on Form 10-KSB.

The  accounting  principles  followed by the Company and the methods of applying
these  principles  conform  with accounting principles generally accepted in the
United  States  of  America (GAAP) and with general practices within the banking
industry.

INCOME  TAXES

Deferred  income  tax  assets  and  liabilities are determined using the balance
sheet  method.  Under  this  method,  the net deferred tax asset or liability is
determined  based  on  the  tax effects of the temporary differences between the
book and tax basis of the various balance sheet assets and liabilities and gives
current  recognition  to  changes  in  the  tax  rates  and  laws.

The  Company  and  the  Bank file a consolidated income tax return.  Each entity
provides  for  income  taxes  based  on  its  contribution  to  the income taxes
(benefits)  of  the  consolidated  group.


                                        7
<PAGE>
STOCK  COMPENSATION  PLANS

At  September  30,  2003,  the Company had two stock-based employee compensation
plans,  which  are  described  in  more  detail  in the 2002 annual report.  The
Company  accounts  for  those  plans  under  the  recognition  and  measurement
principles  of  Accounting Principles Board (APB) Opinion No. 25, Accounting for
Stock Issued to Employees, and related Interpretations.  No stock-based employee
compensation cost is reflected in net income, as all options granted under those
plans had an exercise price equal to the market value of the underlying stock on
the  date  of  grant.  In addition, the FASB issued SFAS No. 148, Accounting for
Stock-Based Compensation - Transition and Disclosure in December 2002.  SFAS No.
148  amends  SFAS  No.  123, Accounting for Stock-Based Compensation, to provide
alternative  methods of transition for an entity that voluntarily changes to the
fair value based method of accounting for stock-based employee compensation.  It
also  amends  the  disclosure  provisions  of  SFAS No. 123 to require prominent
disclosure  about  the  effects on reported net income of an entity's accounting
policy decisions with respect to stock-based employee compensation.  The Company
has  not  elected  to  adopt  the  recognition  provisions of this Statement for
stock-based  employee  compensation  and has elected to continue with accounting
methodology  in  Opinion  No.  25  as  permitted  by  SFAS  No.  123.

<TABLE>
<CAPTION>
                           Three months ended     Nine months ended
                          --------------------  --------------------
                             September  30,        September  30,
                          --------------------  --------------------
                            2003       2002       2003       2002
                          ---------  ---------  ---------  ---------
<S>                       <C>        <C>        <C>        <C>

Net Income, as reported   $192,000   $248,000   $392,000   $481,000
Deduct: Total stock-
based employee
compensation expense
determined under fair
value based method for
all awards, net of
related tax effects        (23,000)   (25,000)   (86,000)   (75,000)
                          ---------  ---------  ---------  ---------
Pro forma net income      $169,000   $223,000   $306,000   $406,000
                          =========  =========  =========  =========
Earnings per share:
   Basic - as reported    $   0.13   $   0.17   $   0.27   $   0.33
                          =========  =========  =========  =========
   Basic - pro forma      $   0.12   $   0.16   $   0.21   $   0.28
                          =========  =========  =========  =========
   Diluted - as reported  $   0.12   $   0.17   $   0.24   $   0.32
                          =========  =========  =========  =========
   Diluted - pro forma    $   0.10   $   0.15   $   0.19   $   0.27
                          =========  =========  =========  =========
</TABLE>


ACCOUNTING  STANDARDS

     In  November  2002,  the  Financial  Accounting Standards Board issued FASB
Interpretation  No.  45  ("FIN  45"),  "Guarantor's  Accounting  and  Disclosure
Requirements  for  Guarantees,  Including Indirect Guarantees of Indebtedness of
Others,  an  interpretation of FASB Statements No. 5, 57, and 107 and rescission
of  FASB Interpretation No. 34". FIN 45 elaborates on the disclosures to be made
by  a  guarantor  in  its  interim  and  annual  financial  statements about its
obligations  under  certain  guarantees  that  it  has  issued.  The disclosures
required  by  FIN  45  improve  the  transparency  of  the  financial  statement
information  about  the  guarantor's  obligations and liquidity risks related to
guarantees  issued.  This  interpretation also incorporates, without change, the
guidance  in  Financial  Accounting  Standards Board Interpretation No. 34 ("FIN
34"),  "Disclosure  of  Indirect Guarantees of Indebtedness of Others", which is
being  superceded.  FIN  45  also  clarifies  that  a  guarantor  is required to
recognize,  at  the inception of a guarantee, a liability for the obligations it
has  undertaken  in  issuing  the guarantee, including its ongoing obligation to
stand  ready  to  perform  over  the term of the guarantee in the event that the


                                        8
<PAGE>
specified  triggering  events  or conditions occur.  The initial recognition and
initial  measurement  provisions of FIN 45 are applicable on a prospective basis
to  guarantees  issued  or modified after December 31, 2002, irrespective of the
guarantor's  fiscal  year-end.  The  disclosure  requirements  are effective for
Financial  statements  of  interim  or  annual periods ending after December 15,
2002.  The  adoption  of  FIN 45 did not have a material impact on the Company's
consolidated  financial  statements.

     In  May 2003, the Financial Accounting Standards Board issued Statement No.
150  ("Statement  150"),  "Accounting  for  Certain  Financial  Instruments with
Characteristics  of Both Liabilities and Equity". Statement 150 requires certain
financial  instruments  that have characteristics of both liabilities and equity
to  be classified as a liability on the balance sheet.  Prior to the issuance of
Statement  150, the Company classified trust preferred securities as a liability
on  the  consolidated  balance  sheet  and its related interest cost as interest
expense  on  the  consolidated statement of income, which is consistent with the
requirements  of  Statement  150.  Statement  150  is  effective  for  financial
instruments  entered  into  or  modified  after  May  31, 2003, and otherwise is
effective  at the beginning of the first interim period beginning after June 15,
2003.  Statement  150  will  be effected by reporting the cumulative effect of a
change  in  accounting  principle for contracts created before the issuance date
and  still  existing  at  the  beginning of that interim period. The adoption of
Statement  150  did  not  have an impact on the Company's consolidated financial
statements.


NOTE  2.  PENDING  ACQUISITION

On July 2, 2003, the Company agreed to acquire First Bank of Dothan for cash and
stock  totaling  $4,680,000  subject  to stockholder and regulatory approvals. A
total  of  $1,750,000  is  to  be  paid in cash.  All appropriate approvals were
obtained  in  October, 2003 and the transaction is expected to be consummated in
November  2003.


                                        9
<PAGE>
MANAGEMENT'S  DISCUSSION  AND  ANALYSIS  OF  FINANCIAL  CONDITION AND RESULTS OF
OPERATIONS

This  discussion  is  intended  to  assist  in an understanding of the Company's
financial  condition  and results of operations. This analysis should be read in
conjunction  with the financial statements and related notes appearing in Item 1
of  the  September 30, 2003 Form 10-QSB and Management's Discussion and Analysis
of Financial Condition and Results of Operations appearing in the Company's Form
10-KSB  for  the  year  ended  December  31,  2002.

FINANCIAL  CONDITION

As  of  September  30,  2003  the  Company's  total  assets  were  $131,474,000
representing  an  increase  of  $22,288,000  or  20.41%  from December 31, 2002.
Earning  assets  consist of Federal funds sold, investment securities and loans.
These assets provide the majority of the Company's earnings.  The mix of earning
assets  is  a  reflection  of  management's philosophy regarding earnings versus
risk.

Federal  funds  sold  represent  an  overnight  investment  of  funds and can be
converted  immediately  to cash.  At September 30, 2003, federal funds sold were
$533,000.  At  December  31,  2002,  the  Company  had  no  federal  funds sold.

Investment  securities  consist  of  U.S.  Government  and Agency securities and
municipal  bonds.  These investments are used to provide fixed maturities and as
collateral  for  advances  and  large  public  fund  deposits.  During the third
quarter,  investment  securities  increased  $8,950,000.  All  securities  are
classified  as  available  for  sale,  and are carried at current market values.

The  loan  portfolio  is  the largest earning asset and is the primary source of
earnings  for  the  Company.  At  September 30, 2003 net loans were $93,490,000.
The loan portfolio increased $12,599,000 or 15.56% over the year-end amount.  At
September  30,  2003,  the  allowance for loan losses was $1,060,000 or 1.12% of
total  loans.  Management  believes this is an adequate but not excessive amount
based  upon  the  composition of the current loan portfolio and current economic
conditions.  The  relationship  of  the  allowance to total loans will vary over
time  based  upon  Management's  evaluation  of  the loan portfolio.  Management
evaluates  the  adequacy  of  the  allowance  on  a monthly basis and adjusts it
accordingly by a monthly charge to earnings using the provision for loan losses.
During the first three quarters of 2003, the provision for potential loan losses
was  $378,000  as  compared  to  the  2002  amount  of  $354,000.

Non-earning  assets  consist  of  premises  and  equipment,  and  other  assets.
Premises  and equipment decreased during the quarter as a result of depreciation
expense  on  these  assets.  Other  assets consist primarily of accrued interest
receivable,  income  tax  receivable and prepaid assets.  Other assets increased
$357,000  during the third quarter as a result of the larger loan portfolio upon
which  to  accrue  interest  and  an  increase in income taxes receivable and an
increase  in  prepaid  assets.

The  Company  funds  its  assets  primarily  through  deposits  from  customers.
Additionally,  it  borrows funds from other sources to provide longer term fixed
rate  funding  for its assets.  The Company must pay interest on the majority of
these  funds and attempts to price these funds competitively in the market place
but  at  a level that it can safely re-invest the funds profitably. At September
30, 2003, total deposits were $101,218,000 as compared to the year-end amount of
$86,004,000.  This  is  an  increase  of  $15,214,000  or  17.69%.


                                       10
<PAGE>
Interest  bearing  deposits  are  comprised  of  the  following  categories:

<TABLE>
<CAPTION>
                                                                 Sept 30, 2003   December 31, 2002
                                                                 --------------  ------------------
<S>                                                              <C>             <C>
Interest bearing demand and savings                              $   27,743,000  $       23,735,000
Certificates of deposit in denominations of $100,000 or greater      20,542,000          16,413,000
Other Certificates of deposit                                        45,152,000          39,125,000
                                                                 --------------  ------------------
     Total                                                       $   93,437,000  $       79,273,000
                                                                 ==============  ==================
</TABLE>

Other  borrowings  consist of Federal Home Loan Bank advances and are secured by
investment  securities  and  loans  of  the  Company.  A  $5,000,000 advance was
obtained  from  the  Federal  Home  Loan  Bank  during  the  current  quarter.

CAPITAL  ADEQUACY
The  following  table  presents  the Company's regulatory capital position as of
September  30,  2003.

<TABLE>
<CAPTION>
<S>                                   <C>
  Tier 1 Capital Ratio, actual        13.90%
  Tier 1 Capital minimum requirement   4.00%

  Tier 2 Capital Ratio, actual        15.85%
  Tier 2 Capital minimum requirement   8.00%

  Leverage Ratio                      10.08%
  Leverage Ratio minimum requirement   4.00%
</TABLE>

The Company's ratios are well above the required regulatory minimums and provide
a  sufficient  basis  to  support  future  growth  of  the  Company.

ACQUISITION  AND  LIQUIDITY

On July 2, 2003, the Company signed an agreement to acquire First Bank of Dothan
("Dothan").  This  agreement  was  approved  by  the  stockholders of Dothan and
regulatory agencies in October 2003 and closing is anticipated in November 2003.
At  September  30,  2003  Dothan  had total assets of $26,600,000 and capital of
$2,780,000.  The  acquisition  will  require  $1,760,000 in cash and the Company
will  finance  this  amount  to  be  repaid over ten years.  This acquisition is
expected  to  have  a positive effect on earnings and the financial condition of
the  Company.

RESULTS  OF  OPERATIONS

Net  income for the nine months ended September 30, 2003 is $392,000 as compared
to $481,000 for the same period in 2002.  Although net interest income increased
by  $454,000 or 16.34% in 2003 as compared to the first nine months of 2002, net
non-interest  expense  increased  $578,000  or 34.22% in 2003 as compared to the
first  nine  months  of  2002.

Total  interest income increased $396,000 for the nine months ended September 30
2003 or 8.24% from the same period in the previous year.  This was the result of
increased  interest  income  on loans, which increased $533,000, combined with a
decrease  in  investment  income of $142,000 or 17.80% from the same period last
year.  The  increase in interest income was the direct result of the larger loan
portfolio  in  the  current  year.  This  increase was in spite of the declining
interest  rate  levels  during  the  year.


                                       11
<PAGE>
Interest  expense  for  the  nine months ended September 30, 2003 is $1,973,000.
This  is  the  major expense item for the Company and decreased $58,000 from the
previous year.  This decrease is the direct result of the overall lower interest
rate  environment  for  the  period.  The  Company  has been able to reprice its
increased  level  of  deposits in the current year at a lower interest rate than
the  previous  year.

Net  interest  income  after the provision for loan losses is $2,854,000 for the
nine  months  ended  September  30,  2003  as  compared  to  the  2002 amount of
$2,424,000.  This  is  an  increase of $430,000 or 17.74%.  This increase is the
combined  result of the increased level of earning assets, and the lower cost of
funds  during  the  current  year.  The  overall  growth  rate has declined from
previous years.  Management is currently emphasizing a better interest margin as
opposed  to  the  higher  growth  rate  emphasis  in  previous  years.

Other  income  increased  $148,000  over the prior year to $793,000 for the nine
months  ended September 30, 2003.  Service charges on deposit accounts increased
$112,000  or  41.64%  due  to  the  larger number of deposit accounts.  Mortgage
origination  fees  increased $26,000 as compared the same period in the previous
year.  These  fees  are  generated by facilitating mortgage loans for customers,
which  are  sold  in  the secondary market.  The low interest rate levels led to
increases  in  this  area  of  activity  in  the  Bank.

Non-interest  expense increased $726,000 to $3,060,000 for the nine months ended
September  30,  2003.  This  is  an  increase  of  31.10%.  The  largest area of
increase was in the salary and employee benefits category.  This expense item is
$1,445,000  for  the  nine  months  ended  September  30,  2003  as  compared to
$1,109,000  for  the  same  period in the previous year.  This is an increase of
$336,000  or  30.30%.  The  growth  in this expense item is due to the increased
staffing  required to properly serve the Company's customers and slightly higher
levels  of  pay  during  the  current  year.

Equipment  and  Occupancy  expenses  increased  $149,000  or 49.17% for the nine
months  ended  September 30, 2003 as compared to the same period in the previous
year.  This  is  a result of the rent of office space for the Lee County Branch,
East Albany Branch and Operations Center, coupled with increased depreciation on
the furniture and equipment.  These three facilities were opened during 2002 and
only a partial year of expense was realized.  Data processing expenses increased
$70,000  or  36.30%  for the nine months ended September 30, 2003 as compared to
the  same period in the previous year.  This is the result of the larger size of
the  Company.  Administrative  expenses  increased  $131,000  or 38.99% over the
previous  year  of which Audit fees accounted for 53,000 of the increase.  Other
expenses  increased  $79,000  to  $361,000 in the current year.  The majority of
this  increase  is  the  result of staff development and other operating losses,
increasing  $24,000  and  $23,000  respectively  over  the  previous  year.

Diluted earnings per share for the current year are $0.24 and decreased $0.08 or
25%  from  the  previous  year.


FORWARD-LOOKING  STATEMENTS

This  document  contains statements that constitute "forward-looking statements"
within  the  meaning  of Sections 27A of the Securities Act of 1933, as amended,
and  Sections 21E of the Securities Exchange Act of 1934, as amended.  The words
"believe",  "estimate", "expect", "intend", "anticipate" and similar expressions
and  variations  thereof  identify  certain  of such forward-looking statements,


                                       12
<PAGE>
which speak only as of the dates that they were made.  The Company undertakes no
obligation  to publicly update or revise any forward-looking statements, whether
as  a  result  of  new  information,  future  events,  or  otherwise.  Users are
cautioned  that any such forward-looking statements are not guarantees of future
performance  and  involve  risks  and  uncertainties that the actual results may
differ  materially  from  those indicated in the forward-looking statements as a
result  of  various  factors.  Users  are therefore cautioned not to place undue
reliance  on  these  forward-looking  statements.


ITEM  3.  CONTROLS  AND  PROCEDURES

As  of  September  30,  2003,  the  Company carried out an evaluation, under the
supervision  and  with  the participation of the Company's management, including
the  Company's  Chief  Executive  Officer  and  Chief  Financial Officer, of the
effectiveness  of  the design and operation of the Company's disclosure controls
and  procedures  pursuant  to  Exchange  Act  Rule  13a-15(b).  Based  upon that
evaluation,  the  Company's  Chief Executive Officer and Chief Financial Officer
concluded that the Company's disclosure controls and procedures are effective in
timely  alerting them to material information relating to the Company (including
its  consolidated subsidiaries) that is required to be included in the Company's
periodic  filings  with the Securities and Exchange Commission.  There have been
no changes in the Company's internal control over financial reporting during the
quarter  ended  September  30,  2003  that  have  materially  affected,  or  are
reasonably  likely  to  materially  affect,  the Company's internal control over
financial  reporting.


                                       13
<PAGE>
                                     PART II

ITEM  1.  LEGAL  PROCEEDINGS
          None

ITEM  2.  CHANGES  IN  SECURITIES  AND  USE  OF  PROCEEDS
          (a)     None
          (b)     None
          (c)     None


ITEM  3.  DEFAULTS  ON  SENIOR  SECURITIES
          None


ITEM  4.  OTHER  INFORMATION
          None

ITEM  5.  EXHIBITS  AND  REPORTS  ON  FORM  8-K
          (a)     REPORTS  ON  FORM  8-K
                  (1)     Form  8-K  filed  on  July  28,  2003 regarding second
                          quarter earnings.


          (B)     EXHIBITS
                    31.1 Certification  of  the Chief Executive officer pursuant
                         to  Rule 13a-14(a) under the Securities exchange act of
                         1934,  as  amended.

                    31.2 Certification  of  the Chief Financial Officer pursuant
                         to  Rule 13a-14(a) under the Securities exchange act of
                         1934,  as  amended.

                      32 Certification  of  the  CEO  and  CFO  pursuant to Rule
                         13a-14(b) under the Securities exchange act of 1934, as
                         amended.


                                       14
<PAGE>
                                   SIGNATURES


Pursuant  to  the  requirements  of the Securities and Exchange Act of 1934, the
Registrant  has  duly  caused  this  report  to  be  signed on its behalf by the
undersigned  thereunto  duly  authorized.



                       COMMUNITY CAPITAL BANCSHARES, INC.



November 13, 2003                 /s/  Robert E. Lee
-------------------               --------------------------
       Date                       Robert E. Lee,
                                  President



November 13, 2003                 /s/  David J. Baranko
-------------------               --------------------------
         Date                     David J. Baranko
                                  Chief Financial Officer
                                  (Duly authorized officer and
                                  principal financial / accounting
                                  officer)


                                       15
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