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  March 31, 2004
                                          --------------

[ ]  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  March  31,  2004:
     1,701,115 SHARES

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


<PAGE>
PART I - FINANCIAL INFORMATION                                          Page No.
                                                                       ---------

ITEM 1.   Financial Statements

     Consolidated balance sheets (unaudited) as of
       December 31, 2003 and March 31, 2004                                 3

     Consolidated statement of operations (unaudited)
       for the three months ended March 31, 2003 and 2004                   4

     Consolidated statement of comprehensive income (unaudited)
       for the three months ended March 31, 2003 and 2004                   5

     Statement of cash flows (unaudited) for the
       three months ended March 31, 2003 and 2004                           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 Purchases of Securities                 14

ITEM 3.  Defaults on Senior Securities                                     14

ITEM 5.  Other Information                                                 14

ITEM 6.  Exhibits and reports on Form 8-K                                  14


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


                                                                      March 31,2004    December 31, 2003
                                                                     ---------------  -------------------
<S>                                                                  <C>              <C>
ASSETS
------
Cash and due from banks                                              $        7,095   $            4,285
Federal funds sold                                                           13,790                2,684
Securities available for sale                                                28,986               31,792
Restricted equity securities                                                  1,114                1,114
Loans                                                                       110,948              109,589
Less allowance for loan losses                                                1,957                2,118
                                                                     ---------------  -------------------
     Loans, net                                                             108,991              107,471
Premises and equipment                                                        4,942                4,739
Goodwill                                                                      2,118                2,117
Core deposit premium                                                            442                  473
Other assets                                                                  4,186                4,054
                                                                     ---------------  -------------------
     TOTAL ASSETS                                                    $      171,664   $          158,729
                                                                     ===============  ===================

LIABILITIES AND SHAREHOLDERS' EQUITY
------------------------------------
Deposits
     Non-interest bearing                                            $       13,194   $           14,035
     Interest bearing                                                       122,347              109,188
                                                                     ---------------  -------------------
          Total deposits                                                    135,541              123,223
Other borrowings                                                             17,177               16,018
Guaranteed preferred beneficial interests in junior subordinated
debentures                                                                    4,124                4,000
Other liabilities                                                               860                2,191
                                                                     ---------------  -------------------
     TOTAL LIABILITIES                                                      157,702              145,432
                                                                     ---------------  -------------------

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;
  1,765,264 and 1,741,191 shares issued                                       1,765                1,741
Capital surplus                                                              11,198               11,075
Retained earnings                                                             1,103                  916
Accumulated other comprehensive income                                          348                   17
Less cost of treasury stock, 64,149 shares                                     (452)                (452)
                                                                     ---------------  -------------------
       TOTAL SHAREHOLDERS' EQUITY                                            13,962               13,297
                                                                     ---------------  -------------------
     TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY                      $      171,664   $          158,729
                                                                     ===============  ===================
</TABLE>


                                        3
<PAGE>
<TABLE>
<CAPTION>
                       COMMUNITY CAPITAL BANCSHARES, INC.
                                AND SUBSIDIARIES
                CONSOLIDATED STATEMENT OF OPERATIONS (UNAUDITED)
                   Three months ended March 31, 2004 and 2003
                (Dollars in thousands, except earnings per share)


                                                                   2004       2003
                                                                ----------  ---------
<S>                                                             <C>         <C>
INTEREST INCOME
     Loans                                                      $   2,006   $   1,473
     Investment securities                                            331         174
     Deposits in banks                                                  1           6
     Federal funds sold                                                10           5
                                                                ----------  ---------
          TOTAL INTEREST INCOME                                     2,348       1,658
                                                                ----------  ---------
INTEREST EXPENSE
     Deposits                                                         517         532
     Other borrowed money                                             170         103
                                                                ----------  ---------
         TOTAL INTEREST EXPENSE                                       687         635
                                                                ----------  ---------
         NET INTEREST INCOME                                        1,661       1,023
Provision for loan losses                                              15         130
                                                                ----------  ---------
         NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES        1,646         893
                                                                ----------  ---------
OTHER INCOME
     Service charges on deposit accounts                              186         120
     Financial service fees                                            21          13
     Mortgage origination fees                                         35          82
     Loss on sale of foreclosed properties                            (51)        - -
     Other service charges, commissions and fees                       34          35
                                                                ----------  ---------
                                                                      225         250
                                                                ----------  ---------
OTHER EXPENSES
     Salaries and employee benefits                                   752         504
     Equipment and occupancy expenses                                 218         145
     Marketing expenses                                                55          27
     Data processing expenses                                         120          81
     Stationary and supply expense                                     42          23
     Administrative expenses                                          161         125
     Other expenses                                                   198         120
                                                                ----------  ---------
         TOTAL EXPENSES                                             1,546       1,025
                                                                ----------  ---------
INCOME BEFORE INCOME TAXES                                            325         118
Income tax expense                                                    103          48
                                                                ----------  ---------
NET INCOME                                                      $     222   $      70
                                                                ==========  =========
BASIC EARNINGS PER SHARE (weighted average shares used in
calculation: 1,714,196 in 2004 and 1,431,370 in 2003)           $     .13   $     .05
                                                                ==========  =========
DILUTED EARNINGS PER SHARE (weighted average shares used in
calculation: 1,924,240 in 2004 and 1,610,849 in 2003)           $     .12   $     .04
                                                                ==========  =========
</TABLE>


                                        4
<PAGE>
<TABLE>
<CAPTION>
                       COMMUNITY CAPITAL BANCSHARES, INC.
                                AND SUBSIDIARIES
           CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED)
                   Three months ended March 31, 2004 and 2003
                             (Dollars in thousands)


                                                                   2004       2003
                                                                ---------  ----------
<S>                                                             <C>        <C>

NET INCOME                                                      $     222  $      70
Other comprehensive loss
   Net unrealized holding gains (losses) arising during the
period, net of tax expense (benefit) of   $68,000 in 2004 and
(9,000) in 2003.                                                      331        (16)
                                                                ---------  ----------
 COMPREHENSIVE INCOME                                           $     553  $      54
                                                                =========  ==========
</TABLE>


                                        5
<PAGE>
<TABLE>
<CAPTION>
                            COMMUNITY CAPITAL BANCSHARES, INC.
                                     AND SUBSIDIARIES
                     CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED)
                        Three Months ended March 31, 2004 and 2003
                                  (Dollars in thousands)


                                                                         2004       2003
                                                                      ---------  ---------
<S>                                                                   <C>        <C>
CASH FLOWS FROM OPERATING ACTIVITIES:
  Net income                                                          $    222   $     70
  Adjustments to reconcile net loss to net cash    used in operating
  activities:
  Depreciation                                                              98         64
  Amortization of core deposit premiums                                     31        - -
  Provision for loan losses                                                 15        131
  Net gain on sale of investments available for sale                        (2)
  Provision for deferred taxes                                              46
  Decrease (increase) in interest receivable                                71        (37)
  Other operating activities                                            (1,522)      (379)
                                                                      --------------------
       Net cash used in operating activities                            (1,041)      (151)
                                                                      --------------------

CASH FLOWS FROM INVESTING ACTIVITIES:
  Purchase of property and equipment                                      (302)       (26)
  Net decrease in federal funds sold                                   (11,106)    (5,254)
  Net increase in loans                                                 (1,535)    (8,372)
  Proceeds from sales of securities available for sale                   3.753        - -
  Proceeds from maturities of securities available for sale              1,466        899
  Purchase of securities available for sale                             (2,012)      (975)
  Adjustment to acquisition                                                (49)       - -
                                                                      --------------------
       Net cash used in Investing activities                            (9,785)   (13,728)
                                                                      --------------------

CASH FLOWS FROM FINANCING ACTIVITIES:
  Net increase in deposits                                              12,318      8,912
  Proceeds from Trust Preferred issuance                                   - -      4,000
  Decrease in federal funds purchased                                      - -     (1,705)
  Net increase in other borrowings                                       1,158        (61)
  Dividends paid                                                           (35)
  Proceeds from exercise of stock warrants                                 195        - -
  Sale (purchase) of treasury stock                                        - -          6
                                                                      --------------------
       Net cash provided by financing activities                        13,636     11,152
                                                                      --------------------
  Net increase (decrease) in cash                                        2,810     (2,727)
  Cash and due from banks at beginning of period                         4,285      6,920
                                                                      --------------------
  Cash and due from banks at end of period                            $  7,095   $  4,193
                                                                      ====================

SUPPLEMENTAL DISCLOSURE
  Cash paid for interest                                              $    701   $    534
  Income taxes                                                        $     30   $    200
NON-CASH TRANSACTION
  Unrealized losses on securities available for sale                  $    399   $     25
                                                                      ====================
</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 multi-bank holding
company  whose  principal  activity  is  the  ownership  and  management  of its
wholly-owned  bank  subsidiaries, Albany Bank and Trust, N.A ("Albany Bank") and
First  Bank  of  Dothan,  Inc. ("Dothan Bank"), collectively referred to as "the
Banks."  Albany  Bank's  main  office  is  located  in Albany, Dougherty County,
Georgia,  with  one loan production office in Albany and one full service branch
in  Lee  County,  Georgia.  Dothan  Bank  is  located in Dothan, Houston County,
Alabama.  The  Banks  provide a full range of banking services to individual and
corporate customers in their primary market areas of Dougherty and Lee Counties,
Georgia  and  Houston  County,  Alabama.

BASIS OF PRESENTATION

The  consolidated  financial  statements include the accounts of the Company and
its  subsidiaries.  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 March 31, 2004 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  its subsidiaries file a consolidated income tax return.  Each
entity  provides  for income taxes


                                        7
<PAGE>
based  on  its  contribution  to the income taxes (benefits) of the consolidated
group.


STOCK COMPENSATION PLANS

At  March 31, 2004, the Company had two stock-based employee compensation plans,
which  are  described  in  more  detail  in the 2003 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>
                                                          QUARTER ENDED MARCH 31,
                                                          -----------------------
                                                              2004        2003
                                                          -----------  ----------
<S>                                                       <C>          <C>

     Net income, as reported                              $  223,000   $  70,000
     Deduct: Total stock-based employee compensation
       expense determined under fair value based
       method for all awards, net of related tax effects     (23,000)    (23,000)
                                                          -----------  ----------
     Pro forma net income                                 $  200,000   $  47,000
                                                          ===========  ==========
     Earnings per share:
       Basic - as reported                                $      .13   $     .05
                                                          ===========  ==========
       Basic - pro forma                                  $      .11   $     .03
                                                          ===========  ==========
       Diluted - as reported                              $      .12   $     .04
                                                          ===========  ==========
       Diluted - pro forma                                $      .10   $     .03
                                                          ===========  ==========
</TABLE>

ACCOUNTING  STANDARDS

In  January  2003,  the  FASB  issued  Interpretation  No. 46, "Consolidation of
Variable  Interest  Entities,  an interpretation of ARB No. 51" and, on December
24,  2003,  the  FASB issued FASB Interpretation No. 46 (Revised December 2003),
"Consolidation  of  Variable  Interest  Entities"  which  replaced  FIN  46. The
interpretation  addresses  consolidation  by  business  enterprises  of variable
interest entities. A variable interest entity is defined as an entity subject to
consolidation  according  to  the  provisions of the interpretation. The revised
interpretation  provided for special effective dates for entities that had fully
or  partially  applied  the  original  interpretation  as  of December 24, 2003.
Otherwise, application of the interpretation is required in financial statements
of public entities that have interests in special-purpose entities, or SPEs, for
periods  ending  after  December 15, 2003. Application by public entities, other
than  small  business issuers, for all other types of variable interest entities
(i.e.,  non-SPEs)  is  required in financial statements for periods ending after
March  15,  2004.  Application  by  small  business  issuers  to


                                        8
<PAGE>
variable  interest  entities  other  than  SPEs and by nonpublic entities to all
types  of  variable  interest  entities is required at various dates in 2004 and
2005.  The  Company  adopted  the provisions of FIN 46 as of January 1, 2004. As
required by the provisions of the Interpretation, the Company deconsolidated its
investment  in  its  subsidiary  trust which issued subordinated trust preferred
securities.  The  adoption  of  FIN  46 and related provisions had the effect of
increasing  assets  by $124,000 and liabilities by the same amount. The adoption
of  the  provisions  had  no  effect  on  net  income.


                                        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  March  31, 2004 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,  2003.

FINANCIAL  CONDITION

As  of  March 31, 2004 the Company's total assets were $171,664,000 representing
an  increase  of  $12,931,000  or  8.15%  from December 31, 2003. 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  March  31,  2004, federal funds sold were
$13,790,000.  At  December  31,  2003,  the  Company  had  federal funds sold of
$2,684,000.

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  from the Federal Home Loan Bank and large public fund
deposits.  During  the first quarter, investment securities decreased $2,806,000
due  to  maturities  and  sales  of securities. 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 March 31, 2004 net loans were $108,991,000. The
loan  portfolio increased $1,359,000 or 1.24% during the first quarter. At March
31,  2004, the allowance for loan losses was $1,957,000 or 1.76% 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 quarter
of  2004, the provision for potential loan losses was $15,000 as compared to the
2003  amount of $130,000. The lower provision for the current year is the result
of  a  higher  quality loan portfolio which does not require as much addition to
the  allowance  as  new  loans  are  added  to  the  portfolio.

     In  March,  2003,  the  Company formed a wholly owned Connecticut statutory
trust,  Community  Capital  Statutory  Trust  I  (the  "Trust"), which issued $4
million  aggregate  principal  amount  of  trust preferred securities. The trust
preferred  securities represent guaranteed preferred beneficial interests in the
Company's  junior  subordinated  deferrable  interest debentures that qualify as
Tier  I  capital  subject  to  the  limitations  under  Federal  Reserve  Board
guidelines.  The  Company owns the entire $124,000 aggregate principal amount of
the common securities of the Trust. The proceeds from the issuance of the common
securities and the trust preferred securities were used by the Trust to purchase
$4.1  million  of  junior  subordinated  debentures  of  the  Company, which pay
interest  at  a  floating  rate  equal  to  the three-month LIBOR plus 315 basis
points.  The  proceeds  received  by  the  Company  from  the sale of the junior
subordinated  debentures  were used to provide additional paid in capital to the
Bank,  to  support  future  growth  of  the  Bank.


                                       10
<PAGE>
Non-earning assets consist of premises and equipment, and other assets. Premises
and equipment increased during the quarter as a result of the construction costs
for  the  downtown  Albany  branch.  Other  assets  consist primarily of accrued
interest  receivable  and  increased  $132,000  as  a  result of the larger loan
portfolio  upon  which  to  accrue  interest.

The  Company  funds  its  assets  primarily  through  deposits  from  customers.
Additionally,  it  will  borrow  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 March
31, 2004, total deposits were $135,541,000 as compared to the year-end amount of
$123,223,000.  This  is  an  increase of $12,318,000 or 10.00%. During the first
quarter  of  2004,  the  Company  increased  its overall deposits to fund future
growth  using  the  current  low  rate  environment.

<TABLE>
<CAPTION>
Interest bearing deposits are comprised of the following categories:

                                      March 31, 2004   December 31, 2003
                                      ---------------  ------------------
<S>                                   <C>              <C>

Interest bearing demand and savings   $    39,834,000  $       36,159,000

Certificates of deposit in
denominations of $100,000 or greater       29,208,000          23,396,000

Other Certificates of deposit              53,305,000          49,633,000

                                      ---------------  ------------------
     Total                            $   122,347,000  $      109,187,000
                                      ===============  ==================
</TABLE>

Other  borrowings  consist of Federal Home Loan Bank advances and are secured by
investment  securities  and  loans of Albany Bank & Trust.  No new advances were
obtained  during  the  current  quarter.

CAPITAL ADEQUACY

The  following  table  presents  the Company's regulatory capital position as of
March  31,  2004.

     Tier 1 Capital Ratio, actual             12.14%
     Tier 1 Capital minimum requirement        4.00%

     Tier 2 Capital Ratio, actual             14.45%
     Tier 2 Capital minimum requirement        8.00%

     Leverage Ratio                            8.65%
     Leverage Ratio minimum requirement        4.00%

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


RESULTS OF OPERATIONS

Net  income for the three months ended March 31, 2004 is $222,000 as compared to
$70,000 for the three months ended March 31, 2003.  The increased net income was
a  result  of  an  overall increase in the Company's net interest income and was
offset  by  increased non-interest expense.  Also, this report is the first full
year  that  Dothan  Bank  data  will  be  included  in  the  amounts  reported.


                                       11
<PAGE>
Total  interest  income  increased $690,000 or 41.62% for the three months ended
March 31, 2004 as compared to the same period in the previous year. This was the
result  of  increased  interest  income  on loans, which increased $533,000. The
increase  in  income  was  the direct result of the larger loan portfolio in the
current  year  and  the  inclusion  of  Dothan Bank, which was not a part of the
amounts of the previous year. This increase was in spite of the major reductions
in  interest  rate  levels  during  the  past  12  months.

Interest  expense  for the three months ended March 31, 2004 was $687,000, which
is  an  increase  of $52,000 over the same period in the previous year. Although
interest-bearing liabilities increased approximately 35% over the prior year due
to  the  acquisition  of  Dothan  Bank  and  additional  Federal  Home Loan Bank
borrowings,  interest  expense  incurred  on  total  deposits  and  obligations
increased  only  8.19%.  Due  to the current economic climate, the cost of funds
decreased  56  basis  points  from  the  same  period  in  2003.

Net  interest  income after the provision for loan losses was $1,646,000 for the
three  months  ended  March 31, 2004 as compared to the 2003 amount of $893,000.
This  is an increase of $753,000 or 84.32%. This increase is the combined result
of the increased level of earning assets, and the lower cost of funds during the
current  year.  Management  is currently emphasizing a better interest margin as
opposed  to  the  higher  growth  rate  emphasis  in  previous  years.

Other  income decreased $25,000 to $225,000 for the three months ended March 31,
2004.  Service  charges  on deposit accounts increased $66,000 or 55% due to the
larger  number  of  deposit  accounts  and the addition of Dothan Bank. Mortgage
origination  fees decreased $47,000 compared to the March 31, 2003 amount. These
fees  are generated by facilitating mortgage loans for customers, which are sold
in  the  secondary  market.  The higher interest rate levels led to decreases in
this  area  of  activity  in  the  Bank.

Non-interest  expense  increased $521,000 to $1,546,000 in for the quarter ended
March  31, 2004. This is an increase of 50.83%. The largest area of increase was
in  the  salary and employee benefits category. This expense item is $752,000 in
the current year as compared to the 2003 amount of $504,000. This is an increase
of  $248,000  or 49.21%. The growth in this expense item is due to the increased
staffing  required  to  properly  serve  the  Company's customers as well as the
addition  of  Dothan  Bank  and slightly higher levels of pay during the current
year.

Equipment  & Occupancy expenses increased $73,000 or 50.34% for the three months
ended  March  31,  2004  from  the  same  period in 2003. The increase is due to
expansion  of  Albany  Bank  and  the  addition  of  Dothan Bank. Other expenses
increased $78,000 to $198,000 in the current year. The majority of this increase
is  the  result  of  the  addition  of  Dothan  Bank.

Diluted  earnings  per share for the three months ended March 31, 2004 was $0.12
compared  to  $.04 in 2003, representing an increase of $.08 per share or 66.67%
from  the  same  period  on  2003.



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,


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<PAGE>
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,
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 March 31,2004 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
March  31,  2004  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 PURCHASES OF SECURITIES
          (a)  None
          (b)  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 February 10, 2004 regarding 2003 annual
                    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.

               31.3 Certification  of  the  Chief  Executive  Officer  and Chief
                    Financial  Officer  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.



   May 14, 2004                       /s/  Robert E. Lee
------------------                  --------------------------
       Date                         Robert E. Lee,
                                    President




   May 14, 2004                       /s/  David J. Baranko
------------------                  --------------------------
       Date                         David J. Baranko
                                    Chief Financial Officer
                                    (Duly authorized officer and
                                    principal financial / accounting
                                    officer)


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