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  June  30,  2001
                                            ---------------

[ ]     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  June  30,  2001:
     1,462,901  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,  2000  and  June  30,  2001                                3

      Consolidated  statements  of  income  (unaudited)
        for  the  three  and  six  months  ended June 30,2000 and 2001           4

      Consolidated statements of comprehensive income (loss) (unaudited)
        for  the  three  and  six months ended June 30, 2000 and 2001            5

      Consolidated  Statements  of  cash  flows  (unaudited)  for  the
        six  months  ended  June  30,  2000  and  2001                           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                       11

ITEM  4.  Submission  of  matters  to  a  vote  of  Security Holders            11

ITEM  5.  Other  Matters                                                        11

ITEM  6.  Exhibits  and  reports  on  Form  8-K:                                11
</TABLE>


                                      -2-
<PAGE>
<TABLE>
<CAPTION>
                                   COMMUNITY CAPITAL BANCSHARES, INC.
                                             AND SUBSIDIARY
                                 CONSOLIDATED BALANCE SHEETS (UNAUDITED)
                                         (Dollars in thousands)


                                                                      June 30,2001    December 31, 2000
                                                                     --------------  -------------------
<S>                                                                  <C>             <C>
ASSETS
------
Cash and due from banks                                              $       4,124   $            3,392
Federal funds sold                                                           5,538                1,180
Securities available for sale                                               14,854               13,154
Loans                                                                       48,968               38,625
Less allowance for loan losses                                                 602                  460
                                                                     --------------  -------------------
     Loans, net                                                             48,366               38,165
Premises and equipment                                                       2,645                2,676
Other assets                                                                   823                  628
                                                                     --------------  -------------------
                                                                            76,350   $           59,195
                                                                     ==============  ===================

LIABILITIES AND SHAREHOLDERS' EQUITY
------------------------------------
Deposits:
     Non-interest bearing                                            $       5,871   $            4,470
     Interest bearing                                                       56,909               41,325
                                                                     --------------  -------------------
          Total deposits                                                    62,780               45,795
Other borrowings                                                             4,434                4,617
Other liabilities                                                              329                  243
                                                                     --------------  -------------------
     TOTAL LIABILITIES                                                      67,543               50,655
                                                                     --------------  -------------------

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 deficit                                                           (662)                (865)
Accumulated other comprehensive income                                         128                   50
Less cost of treasury stock, 36,659 shares as of June 30, 2001
  and 34,490 shares as of December 31, 2000                                   (244)                (230)
                                                                     --------------  -------------------
       TOTAL SHAREHOLDERS' EQUITY                                            8,807                8,540
                                                                     --------------  -------------------
                                                                            76,350   $           59,195
                                                                     ==============  ===================
</TABLE>


                                      -3-
<PAGE>
<TABLE>
<CAPTION>
                                            COMMUNITY CAPITAL BANCSHARES, INC.
                                             CONSOLIDATED STATEMENTS OF INCOME
                                 FOR THE THREE AND SIX MONTHS ENDED JUNE 30, 2001 AND 2000
                                                        (UNAUDITED)
                                     (DOLLARS IN THOUSANDS, EXCEPT EARNINGS PER SHARE)


                                                                  Three months ended               Six months ended
                                                                  ------------------               ----------------
                                                                  June 30,        June 30,        June 30,        June 30,
                                                                     2001            2000            2001            2000
                                                            --------------  --------------  --------------  --------------
<S>                                                         <C>             <C>             <C>             <C>
INTEREST INCOME
  Loans                                                              1,098             631           2,096           1,128
  Taxable securities                                                   246             204             513             416
  Deposits in banks                                                     27               1              36               1
  Federal funds sold                                                    45              14              74              53
                                                            --------------  --------------  --------------  --------------
       TOTAL INTEREST INCOME                                         1,416             850           2,719           1,598
                                                            --------------  --------------  --------------  --------------

INTEREST EXPENSE
  Deposits                                                             685             390           1,296             751
  Other borrowed money                                                  73               8             143               8
                                                            --------------  --------------  --------------  --------------
       TOTAL INTEREST EXPENSE                                          758             398           1,439             759
                                                            --------------  --------------  --------------  --------------
       NET INTEREST INCOME                                             658             452           1,280             839
  Provision for loan losses                                             86              46             173              94
                                                            --------------  --------------  --------------  --------------
       NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES             572             406           1,107             745
                                                            --------------  --------------  --------------  --------------

OTHER INCOME
  Service charges on deposit accounts                                   74              31             128              47
  Other service charges, commissions and fees                          143               8             227              13
                                                            --------------  --------------  --------------  --------------
       TOTAL OTHER INCOME                                              217              39             355              60
                                                            --------------  --------------  --------------  --------------

Other expenses
  Salaries and employee benefits                                       348             221             675             414
  Equipment and occupancy expense                                       89              73             168             122
  Marketing expense                                                     37              21              54              38
  Data processing expense                                               38              29              72              59
  Administrative expenses                                               89              47             172              85
  Loan expenses                                                         13               3              21               5
  Other operating expenses                                              53              29              97              57
                                                            --------------  --------------  --------------  --------------
       TOTAL OTHER EXPENSES                                            667             423           1,259             780
                                                            --------------  --------------  --------------  --------------

                                                            --------------  --------------  --------------  --------------
       INCOME BEFORE INCOME TAXES                                      122              22             203              25
  Income tax expense                                                   - -             - -             - -             - -
                                                            --------------  --------------  --------------  --------------
       NET INCOME                                                      122              22             203              25
                                                            ==============  ==============  ==============  ==============

NET INCOME PER COMMON SHARE                                 $         0.08  $         0.02  $         0.14  $         0.02
                                                            ==============  ==============  ==============  ==============
DILUTED NET INCOME PER COMMON SHARE                         $         0.08  $         0.02  $         0.13  $         0.02
                                                            ==============  ==============  ==============  ==============
  WEIGHTED AVERAGE SHARES OUTSTANDING                            1,462,193       1,499,980       1,462,986       1,499,914
                                                            ==============  ==============  ==============  ==============
</TABLE>


                                      -4-
<PAGE>
<TABLE>
<CAPTION>
                                 COMMUNITY CAPITAL BANCSHARES, INC.
                                           AND SUBSIDIARY
                       CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)
                                             (UNAUDITED)
                          Three and six months ended June 30, 2000 and 2001
                                       (Dollars in thousands)


                                          Three Months Ended                Six Months Ended
                                   --------------------------------  -------------------------------
                                    June 30, 2001    June 30, 2000   June 30, 2001    June 30, 2000
<S>                                <C>              <C>              <C>             <C>
NET INCOME (LOSS)                  $          122   $           22   $          203  $           25
Other comprehensive Income
Net unrealized holding gains
(losses) arising during period                 18                1              107             (69)
Tax (expense) benefit on
unrealized holding gains                       (6)                              (29)             24
                                   --------------------------------  -------------------------------
 COMPREHENSIVE INCOME (LOSS)       $          134   $           23   $          281  $          (20)
                                   ================================  ===============================
</TABLE>


                                      -5-
<PAGE>
<TABLE>
<CAPTION>
                        COMMUNITY CAPITAL BANCSHARES, INC.
                                  AND SUBSIDIARY
                       CONSOLIDATED STATEMENTS OF CASH FLOWS
                                    (UNAUDITED)
                      Six Months ended June 30, 2000 and 2001
                              (Dollars in thousands)


                                                                 2001       2000
                                                               ---------  ---------
<S>                                                            <C>        <C>
CASH FLOWS FROM OPERATING ACTIVITIES:
  Net income                                                   $    203   $     25
  Adjustments to reconcile net income to net cash provided by
  (used in) operating activities:
  Depreciation                                                       79         36
  Provision for loan losses                                         173         94
  Increase in interest receivable                                   (73)      (138)
  Other operating activities                                       (154)      (129)
                                                               ---------  ---------
    Net cash provided by (used in) operating activities             228       (112)
                                                               ---------  ---------

CASH FLOWS FROM INVESTING ACTIVITIES:
  Purchase of property and equipment                                (48)      (817)
  Net increase in federal funds sold                             (4,358)      (590)
  Net increase in loans                                         (10,374)    (9,560)
  Proceeds from maturities of securities available for sale       8,274      1,216
  Purchase of securities available for sale                      (9,778)      (502)
                                                               ---------  ---------
    Net cash used in Investing activities                       (16,284)   (10,253)
                                                              ---------  ---------

CASH FLOWS FROM FINANCING ACTIVITIES:
  Net increase in deposits                                       16,985      9,932
  Proceeds from FHLB advances                                       - -      1,800
  Repayment of other borrowings                                    (183)       - -
  Treasury stock transactions, net                                  (14)        (1)
                                                               ---------  ---------
    Net cash provided by financing activities                    16,788     11,731
                                                               ---------  ---------
  Net increase in cash                                              732      1,366
  Cash and due from banks at beginning of period                  3,392        949
                                                               ---------  ---------
  Cash and due from banks at end of period                     $  4,124   $  2,315
                                                               =========  =========

SUPPLEMENTAL DISCLOSURE
  Cash paid for interest                                       $  5,508   $    796
                                                               =========  =========

NON-CASH TRANSACTION
  Unrealized (gains) losses on securities available for sale   $   (107)  $     69
                                                               =========  =========
</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 June 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

The  Company  will  be  subject  to  Federal and state income taxes when taxable
income  is generated. No income taxes have been accrued because of the operating
losses  incurred  during  the  preopening  period.


                                      -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  June  30,  2001 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,  2000.

FINANCIAL CONDITION

As  of June 30, 2001 the Company's total assets were $76,350,000 representing an
increase of $17,155,000 or 28.98% 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  June  30, 2001, Federal funds sold were $5,538,000 as compared to the
year-end  amount  of  $1,180,000.  This  is  an  increase  of  $4,358,000.

Investment  securities  consist  of U.S. Government and Agency 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
$1,700,000.  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 June 30, 2001 net loans were $48,366,000. The loan
portfolio increased $10,201,000 or 26.73% during the year. At June 30, 2001, the
allowance  for  loan  losses  was  $602,000  or 1.23% 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 $173,000 as compared to the 2000 amount
of  $94,000.

Non-earning assets consist of premises and equipment, and other assets. Premises
and  equipment  decreased  during  the year as a result of depreciation expense.
Other  assets  consist  primarily  of  accrued interest receivable and increased
$195,000  as  a  result  of  the larger loan portfolio volume upon which accrued
interest  is  calculated.

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 June
30,  2001, total deposits were $62,780,000 as compared to the year-end amount of
$45,795,000.  This  is  an  increase  of  $16,985,000  or 37.09%. The Company is
beginning  to  see  a slowing of its growth in deposits. This is a result of the
declining  interest  rate  environment  that is causing customers to seek higher
yields  in  other  areas  of  investments.


                                      -8-
<PAGE>
Interest bearing deposits are comprised of the following categories:

<TABLE>
<CAPTION>
                                        June 30, 2001   December 31, 2000
                                        --------------  ------------------
<S>                                     <C>             <C>
Interest bearing demand and savings     $   19,337,000  $       15,176,000
Certificates of deposit in
denominations of $100,000 or greater        13,012,000           8,449,000
Other Certificates of deposit               24,560,000          17,700,000
                                        --------------  ------------------
     Total                              $   56,909,000  $       41,325,000
                                        ==============  ==================
</TABLE>

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

CAPITAL ADEQUACY

The  following  table  presents  the Company's regulatory capital position as of
June  30,  2001.

     Tier 1 Capital Ratio, actual                17.51%
     Tier 1 Capital minimum requirement           4.00%

     Tier 2 Capital Ratio, actual                18.70%
     Tier 2 Capital minimum requirement           8.00%

     Leverage Ratio                              12.00%
     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 $203,000 as compared to the 2000 amount of
$25,000.  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  $1,121,000 or 70.15% from the previous year.
This  was  the  result  of  increased  interest income on loans, which increased
$968,000.  The  increase  in  income  was  the  direct result of the larger loan
portfolio  in  the  current  year.

Interest  expense for 2001 is $1,439,000. This is the major expense item for the
Company  and  increased  $680,000  over  the  previous year. The reason for this
increase  was  the  increased  volume  of deposits and borrowings in the current
year.

Net  interest  income after the provision for loan losses was $1,107,000 in 2001
as  compared  to the 2000 amount of $745,000. This is an increase of $362,000 or
48.59%.  Again  the  improved  earnings are the result of a larger volume in all
categories  of  earning  assets  and  paying liabilities during 2001. Management
intends to continue to increase the size of the Company, but the current rate of
increase  should  not  be  expected  for  all  future  periods.


                                      -9-
<PAGE>
Other  income increased $295,000 to $355,000 in 2001. Service charges on deposit
accounts  increased  $81,000  or  172.3%  due  to  the  larger number of deposit
accounts.  The  increase  in  other  service  charges,  commissions  and fees is
attributable  to  the  increased  income from the Financial Service and Mortgage
origination  departments  of the Bank. In the second quarter of 2000 the Company
added  Financial Services and Mortgage origination as additional services to its
customers. In 2001 these two areas generated $206,000 in earnings as compared to
the  2000  amount  of  $4,000.

Non-interest  expense  increased  $479,000  to  $1,259,000  in  2001. This is an
increase  of 61.41%. The largest area of increase was in the Salary and employee
benefits  category.  This  expense  item  was  $675,000  in  the current year as
compared  to  the  2000  amount  of $414,000. This is an increase of $261,000 or
63.04%.  The  growth  in  this  expense  item  is  due to the increased staffing
required  to  properly  serve the Company's customers and increased staffing for
the  two  additional  areas  of  service  noted  above.

Equipment  and  occupancy  expense  increased  $46,000 over the prior year. This
increase  is  the  result  of higher maintenance costs on equipment and expenses
attributable  to  the  new main office facility which was completed and occupied
late  in the first quarter of 2000. Administrative expenses were $172,000 in the
current  year  as  compared to $85,000 in 2000. The increase in this area is the
result  of  increases  in supply expense and legal, audit and other professional
costs  during  the  current year. These increases are to be expected in a growth
situation.

Fully  diluted  net income per share for the current year is $0.14 and increased
$0.12  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 4.     SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

          On April 23, 2001, the Company held its annual meeting of shareholders
     at  which the following director nominees were elected to a three-year term
     by  the  votes  indicated:

          Directors          Votes For      Votes Withheld
          ---------          ---------      --------------
     C. Richard Langley      1,099,633         362,867
     Bennett D. Cotten, Jr.  1,099,633         362,867
     Jane Anne D. Sullivan   1,099,633         362,867
     John P. Ventulett, Jr.  1,099,633         362,867
     James D. Woods          1,099,633         362,867

ITEM 5.  OTHER INFORMATION

     None

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


                                      -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.



   August 14, 2001                  /s/ Robert E. Lee
   ---------------                  --------------------
       Date                         Robert E. Lee,
                                    President



   August 14, 2001                  /s/ David J. Baranko
   ---------------                  --------------------
         Date                       David J. Baranko
                                    Chief Financial Officer
                                    (Duly authorized officer and
                                    principal financial / accounting
                                    officer )


                                      -12-
<PAGE>