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, 2002
                                       ------------------

[ ] 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 September 30,2002:
     1,430,329 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)                               3

     Consolidated statements of operations (unaudited)                     4

     Consolidated statements of comprehensive income
       (unaudited)                                                         5

     Consolidated statements of cash flows (unaudited)                     6

Item 2.     Management's discussion and analysis of
      financial condition and results of operations                        8


PART II - OTHER INFORMATION

ITEM 2.  Changes in Securities and use of proceeds

ITEM 3.  Controls and procedures                                          11

ITEM 5.  Other Matters                                                    11

ITEM 6.  Exhibits and reports on Form 8-K:                                11

           Exhibit 99.1 - President/CEO and CFO Certification             13


<PAGE>
<TABLE>
<CAPTION>
                         COMMUNITY CAPITAL BANCSHARES, INC.  AND SUBSIDIARY
                              CONSOLIDATED BALANCE SHEETS  (UNAUDITED)
                                       (DOLLARS IN THOUSANDS)


ASSETS                                                     September 30, 2002    December 31, 2001
------                                                    -----------------------------------------
<S>                                                       <C>                   <C>
Cash and due from banks                                   $             5,760   $            4,471
Federal funds sold                                                      3,062                4,483
Securities available for sale                                          18,685               14,999
Loans                                                                  74,644               61,801
Less allowance for loan losses                                            806                  618
                                                          --------------------  -------------------
     Loans, net                                                        73,838               61,183
Premises and equipment                                                  2,700                2,600
Other assets                                                            1,559                  949
                                                          --------------------  -------------------
                                                          $           105,604   $           88,685
                                                          ====================  ===================
LIABILITIES AND SHAREHOLDERS' EQUITY
------------------------------------
Deposits:
     Non-interest bearing                                 $             6,946   $            6,103
     Interest bearing                                                  79,052               63,728
                                                          --------------------  -------------------
          Total deposits                                               85,998               69,831
Other borrowings                                                        8,976                9,251
Other liabilities                                                         863                  418
                                                          --------------------  -------------------
     TOTAL LIABILITIES                                                 95,837               79,500
                                                          --------------------  -------------------

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                                                         8,085                8,085
Accumulated income (deficit)                                              268                 (213)
Accumulated other comprehensive income                                    398                  180
Less cost of treasury stock, 69,231 shares as of
September 30, 2002 and 52,690 shares as of
December 31, 2001                                                        (484)                (357)
                                                          --------------------  -------------------
       TOTAL SHAREHOLDERS' EQUITY                                       9,767                9,185
                                                          --------------------  -------------------
                                                          $           105,604   $           88,685
                                                          ====================  ===================
<FN>
See Notes to Consolidated Financial Statements
</TABLE>


                                      -3-
<PAGE>
<TABLE>
<CAPTION>
                             COMMUNITY CAPITAL BANCSHARES AND SUBSIDIARY
                           CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED)
                           (Dollars in thousands except earnings per share)

                                                           Three months ended             Nine months ended
                                                     ------------------------------  ------------------------------
                                                     September 30,   September 30,   September 30,   September 30,
                                                              2001            2001            2002            2001
                                                     --------------  --------------  --------------  --------------
<S>                                                  <C>             <C>             <C>             <C>
INTEREST INCOME
  Loans                                                       1,406           1,195           4,025           3,291
  Taxable securities                                            268             236             711             750
  Tax exempt securities                                          10             - -              24             - -
  Deposits in banks                                               8              27              11              63
  Federal funds sold                                             10              13              38              87
                                                     --------------  --------------  --------------  --------------
     TOTAL INTEREST INCOME                                    1,702           1,471           4,809           4,191
                                                     --------------  --------------  --------------  --------------
INTEREST EXPENSE
  Deposits                                                      579             644           1,686           1,940
  Other borrowed money                                          114              74             345             217
                                                     --------------  --------------  --------------  --------------
     TOTAL INTEREST EXPENSE                                     693             718           2,031           2,157
                                                     --------------  --------------  --------------  --------------
     NET INTEREST INCOME                                      1,009             753           2,778           2,034
  Provision for loan losses                                      34              98             354             271
                                                     --------------  --------------  --------------  --------------
     NET INTEREST INCOME AFTER PROVISION FOR LOAN
       LOSSES                                                   975             655           2,424           1,763
                                                     --------------  --------------  --------------  --------------
OTHER INCOME
  Service charges on deposit accounts                            98              76             269             204
  Financial service fees                                         10              36              60             159
  Mortgage origination fees                                      72              35             164             118
  Gain on sale of investment securities                          66             - -             109             - -
  Other service charges, commissions and fees                    15               7              43              28
                                                     --------------  --------------  --------------  --------------
     TOTAL OTHER INCOME                                         261             154             645             509
                                                     --------------  --------------  --------------  --------------
OTHER EXPENSES
  Salaries and employee benefits                                404             344           1,109           1,019
  Equipment and occupancy expense                               109              82             303             251
 Marketing expense                                              40              19             111              73
  Data processing expense                                        65              48             193             120
  Administrative expenses                                       127              93             336             265
  Other operating expenses                                      115              38             282             156
                                                     --------------  --------------  --------------  --------------
     TOTAL OTHER EXPENSES                                       860             624           2,334           1,884
                                                     --------------  --------------  --------------  --------------
     INCOME BEFORE INCOME TAXES                                 376             185             735             388
  Income tax expense                                            128             - -             254             - -
                                                     --------------  --------------  --------------  --------------
     NET INCOME                                      $          248  $          185  $          481  $          388
                                                     ==============  ==============  ==============  ==============

INCOME PER COMMON SHARE                              $         0.17  $         0.13  $         0.33  $         0.27
                                                     ==============  ==============  ==============  ==============
DILUTED NET INCOME PER
COMMON SHARE                                                   0.17            0.12            0.32            0.26
                                                     ==============  ==============  ==============  ==============
Weighted average shares
 outstanding                                              1,437,488       1,461,161       1,442,092       1,462,388
                                                     ==============  ==============  ==============  ==============
<FN>
See Notes to Consolidated Financial Statements
</TABLE>


                                      -4-
<PAGE>
<TABLE>
<CAPTION>
                         COMMUNITY CAPITAL BANCSHARES, INC. AND SUBSIDIARY
                          CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
                                           (Unaudited)
                                      (Dollars in thousands)

                                               Three months ended                   Nine months ended
                                          --------------------------------  ----------------------------------
                                           September 30,    September 30,    September 30,    September   30,
                                                    2002             2001             2002               2001
                                          ---------------  ---------------  ---------------  -----------------
<S>                                       <C>              <C>              <C>              <C>
NET INCOME (LOSS)                         $          248   $          185   $          481   $            388

  Other Comprehensive Income:
  Net unrealized holding gains (losses)              345              221              454                331

  Tax effect                                        (117)             (82)            (154)              (111)

  Reclassification adjustment for gains
  included in net income, net of income
  taxes of $27,000 for 3 months ended,
  and $41,000 for 9 months ended
  September 30, 2002                                 (54)                              (82)
                                          ===============  ===============  ===============  =================
COMPREHENSIVE INCOME (LOSS)               $          422   $          324   $          699   $            608
                                          ===============  ===============  ===============  =================
<FN>
See Notes to Consolidated Financial Statements
</TABLE>


                                      -5-
<PAGE>
<TABLE>
<CAPTION>
                       COMMUNITY CAPITAL BANCSHARES, INC.
                                 AND SUBSIDIARY
                CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED)
                  Nine months ended September 30, 2002 and 2001
                             (Dollars in thousands)



                                                        2002       2001
                                                      ---------  ---------
<S>                                                   <C>        <C>
CASH FLOWS FROM OPERATING ACTIVITIES:
  Net income (loss)                                   $    481   $    388
  Adjustments to reconcile net loss to net cash
  used in operating activities:
  Depreciation                                             137        119
  Provision for loan losses                                354        271
  Provision for deferred taxes                             (36)       - -
  Net (gain) on sale of investments available for
  sale                                                    (108)       - -
  Increase in interest receivable                          (42)      (121)
  Other operating activities                              (311)       (13)
                                                      --------------------
       Net cash used in operating activities               559        644
                                                      --------------------

CASH FLOWS FROM INVESTING ACTIVITIES:
  Purchase of property and equipment                      (237)       (82)
  Net decrease in Federal funds sold                     1,421      1,180
  Net increase in loans                                (13,009)   (19,229)
  Proceeds from maturities of securities available
  for sale                                              10,575     11,685
  Proceeds from sale of securities available for
  sale                                                   3,331        - -
  Purchase of securities available for sale            (17,126)   (12,528)
                                                      --------------------
       Net cash used in Investing activities           (15,045)   (18,974)
                                                      --------------------

CASH FLOWS FROM FINANCING ACTIVITIES:
  Net increase in deposits                              16,168     14,645
  Proceeds from FHLB advance                               - -        - -
  Increase in Federal funds purchased                      - -      3,519
  Repayment of other borrowings                           (275)      (275)
  Purchase of Treasury stock                              (118)      (128)
                                                      --------------------
       Net cash provided by financing activities        15,775     17,761
                                                      --------------------
  Net increase (decrease) in cash                        1,289       (569)
  Cash and due from banks at beginning of period         4,471      3,392
                                                      --------------------
  Cash and due from banks at end of period            $  5,760   $  2,283
                                                      ====================

SUPPLEMENTAL DISCLOSURE
  Cash paid for interest                              $  1,994   $  2,140
                                                      ====================

NON-CASH TRANSACTION
  Unrealized gains on securities available for sale   $    221   $    331
                                                      ====================
<FN>
See Notes to Consolidated Financial Statements
</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 accounting principles
generally  accepted  in the United States of America 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, 2001 are not
necessarily indicative of the results of a full year's operations.

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 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>
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, 2002 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, 2001.

FINANCIAL CONDITION

As of September 30, 2002 the Company's total assets were $105,604,000
representing an increase of $16,919,000 or 19.08% from December 31, 2000.
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 earning versus risk.

Federal funds sold represent an overnight investment of funds and can be
converted immediately to cash.  At September 30, 2002, Federal funds sold were
3,062,000 as compared to the year-end amount of $4,483,000.  This is a decrease
of $1,180,000.

Investment securities consist of U.S. Government, Agency and municipal
securities.  These investments are used to provide fixed maturities and as
collateral for advances and large public fund deposits.  During the year,
investment securities increased $3,686,000.  In the third quarter, the Company
sold approximately $3,300,000 in bonds which it felt would be called.  These
sales generated a gain of $66,000.  All securities are classified as available
for sale under FASB 115 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, 2002 net loans were $73,838,000.
The loan portfolio increased $12,655,000 or 20.68% during the year.  At
September 30, 2002, the allowance for loan losses was $806,000 or 1.08% of total
loans.  Management believes that 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 year, the provision for potential loan losses was $354,000 as
compared to the 2001 amount of $271,000.  This expense increased in the current
year due to loans deemed uncollectible in the first half of the year.
Management does not anticipate any significant loan charge offs during the
remainder of the current year.

Non-earning assets consist of premises and equipment, and other assets.
Premises and equipment increased during the year due to the investment in the
new branch locations opened during the second quarter.  Other assets consist
primarily of accrued interest receivable and deferred income taxes.  This
category increased $610,000 during the current year.

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 September 30, 2002, total deposits were $85,998,000 as compared to the
year-end amount of $69,831,000.  This is an increase of $16,167,000 or 23.15%.
The Company is beginning to see a slowing of its growth in deposits.  This is a


                                      -8-
<PAGE>
result of the declining interest rate environment that is causing customers to
seek higher yields in other areas of investments.

Interest bearing deposits are comprised of the following categories:

<TABLE>
<CAPTION>
                                      September 30, 2002   December 31, 2001
                                      -------------------  ------------------
<S>                                   <C>                  <C>
Interest bearing demand and savings   $        23,123,000  $       21,443,000
Certificates of deposit in
denominations of $100,000 or greater           16,138,000          14,787,000
Other Certificates of deposit                  39,791,000          27,498,000
                                      -------------------  ------------------
     Total                            $        79,052,000  $       63,728,000
                                      ===================  ==================
</TABLE>

Other borrowings consist of Federal Home Loan Bank advances and are secured by
investment securities owned and loans originated by the Bank.  No new advances
were obtained during the current year.

CAPITAL ADEQUACY

The following table presents the Company's regulatory capital position as of
September 30, 2002.

     Tier 1 Capital Ratio, actual                12.66%
     Tier 1 Capital minimum requirement           4.00%

     Tier 2 Capital Ratio, actual                13.74%
     Tier 2 Capital minimum requirement           8.00%

     Leverage Ratio                               8.90%
     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 current year is $481,000 as compared to the 2001 amount of
$388,000.  The increased net income was a result of an overall increase in the
Company's net interest income and increased non-interest income.

Total interest income increased $618,000 or 14.75% from the previous year.  This
was the result of increased interest income on loans, which increased $734,000.

Interest expense for 2002 is $2,031,000.  This is the major expense item for the
Company and decreased $126,000 from the previous year.  The reason for this
decrease was the dramatic decrease in the overall interest rate environment over
the past twelve months.  The lower rate environment is reflected in interest
expense as the interest bearing liabilities reprice.

Net interest income after the provision for loan losses was $2,424,000 in 2002
as compared to the 2001 amount of $1,763,000.  This is an increase of $661,000
or 37.49%.  Again the improved earnings are the result of a larger volume in all
categories of earning assets and decreased costs on paying liabilities during
2001.


                                      -9-
<PAGE>
Other income increased $136,000 to $645,000 in 2002.  Service charges on deposit
accounts increased $64,000 or 31.9% due to the larger number of deposit
accounts.  The other major area of increase was the gain from the sale of
investment securities during the current year of $109,000.

Non-interest expense increased $450,000 to $2,334,000 in 2002.  This is an
increase of 23.9%.  The increases in expenses were generally spread in all
categories and are representative of the increased size of the Company.

During the current year, the Company began accruing income tax expense.  In the
previous year no income tax expense was accrued due to the reversal of
valuations allowances on deferred tax benefits established in the Company's
start-up years.  All valuation allowances were reversed in the previous years.
Income tax expense for the current year is $254,000.  Net income before taxes
for the current year is $735,000 as compared to the 2001 amount of $388,000.
This is an increase of $347,000 or 89%.  The Company will be subject to income
taxes for the foreseeable future.

Fully diluted net income per share for the current year is $0.32 and increased
$0.06 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,
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.


                                      -10-
<PAGE>
ITEM 2.     CHANGES IN SECURITIES AND USE OF PROCEEDS

     None

ITEM 3.  CONTROLS AND PROCEDURES

     Within 90 days prior to the date of this report, 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-14. 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
     significant changes in the Company's internal controls or, to the Company's
     knowledge, in other factors that could significantly affect those internal
     controls subsequent to the date the Company carried out its evaluation, and
     there have been no corrective actions with respect to significant
     deficiencies or material weaknesses


ITEM 5.  OTHER INFORMATION
      None

ITEM 6.  EXHIBITS AND REPORTS ON FORM 8-K
          a.   REPORTS ON FORM 8-K
               None

          b.   OTHER  EXHIBITS
            Certification by the Chief Executive Officer
            and Chief Financial Officer.    See page 13.


                                      -11-
<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, 2002               /s/ Robert E. Lee
   -----------------               ------------------
       Date                        Robert E. Lee,
                                   President



   November 13, 2002               /s/ David J. Baranko___
   -----------------               ---------------------
         Date                      David J. Baranko
                                   Chief Financial Officer
                                   (Duly authorized officer and
                                   principal financial / accounting
                                   officer)


                                      -12-
<PAGE>
                                  Certification


I,  Charles  M.  Jones,  III,  Chief  Executive  Officer  of  Community  Capital
Bancshares,  Inc.,  certify  that:

1.   I  have  reviewed this quarterly report on Form 10-QSB of Community Capital
     Bancshares,  Inc.;

2.   Based  on  my  knowledge, this quarterly report does not contain any untrue
     statement  of a material fact or omit to state a material fact necessary to
     make  the  statements  made, in light of the circumstances under which such
     statements  were made, not misleading with respect to the period covered by
     this  quarterly  report;

3.   Based  on  my  knowledge,  the  financial  statements,  and other financial
     information  included  in  this  quarterly  report,  fairly  present in all
     material  respects  the financial condition, results of operations and cash
     flows  of  the  registrant  as  of,  and for, the periods presented in this
     quarterly  report;

4.   The  registrant's  other  certifying  officer  and  I  are  responsible for
     establishing and maintaining disclosure controls and procedures (as defined
     in  Exchange  Act  Rules 13a-14 and 15d-14) for the registrant and we have:

     a)   designed  such  disclosure  controls  and  procedures  to  ensure that
          material  information  relating  to  the  registrant,  including  its
          consolidated  subsidiaries, is made known to us by others within those
          entities,  particularly  during  the  period  in  which this quarterly
          report  is  being  prepared;

     b)   evaluated  the  effectiveness  of the registrant's disclosure controls
          and procedures as of a date within 90 days prior to the filing date of
          this  quarterly  report  (the  "Evaluation  Date");  and

     c)   presented  in  this  quarterly  report  our  conclusions  about  the
          effectiveness  of  the disclosure controls and procedures based on our
          evaluation  as  of  the  Evaluation  Date;

5.   The  registrant's  other  certifying officer and I have disclosed, based on
     our  most  recent  evaluation,  to  the registrant's auditors and the audit
     committee  of  registrant's  board  of directors (or persons performing the
     equivalent  function):

     a)   all  significant  deficiencies  in the design or operation of internal
          controls  which  could  adversely  affect  the registrant's ability to
          record,  process,  summarize  and  report  financial  data  and  have
          identified  for  the  registrant's auditors any material weaknesses in
          internal  controls;  and

     b)   any  fraud, whether or not material, that involves management or other
          employees  who  have  a  significant role in the registrant's internal
          controls;  and

6.   The  registrant's  other  certifying  officer  and I have indicated in this
     quarterly  report whether or not there were significant changes in internal
     controls  or  in  other  factors  that  could significantly affect internal
     controls  subsequent  to  the date of our most recent evaluation, including
     any corrective actions with regard to significant deficiencies and material
     weaknesses.

Date:  November  13,  2002

                                   /s/  Charles  M.  Jones,  III
                                   -----------------------------
                                   Charles  M.  Jones,  III
                                   Chief  Executive  Officer


                                      -13-
<PAGE>
                                  Certification


I,  David  J.  Baranko, Chief Financial Officer of Community Capital Bancshares,
Inc.,  certify  that:

1.   I  have  reviewed this quarterly report on Form 10-QSB of Community Capital
     Bancshares,  Inc.;

2.   Based  on  my  knowledge, this quarterly report does not contain any untrue
     statement  of a material fact or omit to state a material fact necessary to
     make  the  statements  made, in light of the circumstances under which such
     statements  were made, not misleading with respect to the period covered by
     this  quarterly  report;

3.   Based  on  my  knowledge,  the  financial  statements,  and other financial
     information  included  in  this  quarterly  report,  fairly  present in all
     material  respects  the financial condition, results of operations and cash
     flows  of  the  registrant  as  of,  and for, the periods presented in this
     quarterly  report;

4.   The  registrant's  other  certifying  officer  and  I  are  responsible for
     establishing and maintaining disclosure controls and procedures (as defined
     in  Exchange  Act  Rules 13a-14 and 15d-14) for the registrant and we have:

     a)   designed such disclosure controls and procedures to ensure that
          material information relating to the registrant, including its
          consolidated subsidiaries, is made known to us by others within those
          entities, particularly during the period in which this quarterly
          report is being prepared;

     b)   evaluated the effectiveness of the registrant's disclosure controls
          and procedures as of a date within 90 days prior to the filing date of
          this quarterly report (the "Evaluation Date"); and

     c)   presented in this quarterly report our conclusions about the
          effectiveness of the disclosure controls and procedures based on our
          evaluation as of the Evaluation Date;

5.   The registrant's other certifying officer and I have disclosed, based on
     our most recent evaluation, to the registrant's auditors and the audit
     committee of registrant's board of directors (or persons performing the
     equivalent function):

     a)   all  significant  deficiencies  in the design or operation of internal
          controls  which  could  adversely  affect  the registrant's ability to
          record,  process,  summarize  and  report  financial  data  and  have
          identified  for  the  registrant's auditors any material weaknesses in
          internal  controls;  and

     b)   any  fraud, whether or not material, that involves management or other
          employees  who  have  a  significant role in the registrant's internal
          controls;  and

6.   The  registrant's  other  certifying  officer  and I have indicated in this
     quarterly  report whether or not there were significant changes in internal
     controls  or  in  other  factors  that  could significantly affect internal
     controls  subsequent  to  the date of our most recent evaluation, including
     any corrective actions with regard to significant deficiencies and material
     weaknesses.

Date:  November  13,  2002

                                   /s/  David  J.  Baranko
                                   -----------------------
                                   David  J.  Baranko
                                   Chief  Financial  Officer


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