UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                   FORM 10-QSB

              [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)
                     OF THE SECURITIES EXCHANGE ACT OF 1934

                For the Quarterly Period Ended September 30, 2001

                                       OR

             [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d)
                     OF THE SECURITIES EXCHANGE ACT OF 1934

                        For the Transition Period from to

                        Commission file number 333-69973

                     First Capital Bank Holding Corporation
                -------------------------------------------------
             (Exact name of registrant as specified in its charter)

          Florida                                       59-3532208
    (State of Incorporation)               (I.R.S. Employer Identification No.)

 1891 South 14th Street
 Fernandina Beach, Florida                               32034
 (Address of principal executive offices)              (Zip Code)

                                  904-321-0400
                               (Telephone Number)


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

Check whether the issuer: (1) filed all reports required to be filed by Section
13 or 15(d) of the Exchange Act during the past 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 XX NO

                      APPLICABLE ONLY TO CORPORATE ISSUERS

      State the number of shares outstanding of each of the issuer's classes of
common equity, as of the latest practicable date: 1,000,000 shares of common
stock, $.01 par value per share, issued and outstanding as of November 5, 2001.

      Transitional Small Business Disclosure Format (check one):  YES    NO  XX
                                                                     --      --


<PAGE>


                     FIRST CAPITAL BANK HOLDING CORPORATION

                          PART I. FINANCIAL INFORMATION

      Item 1.      Financial Statements

         The financial statements of First Capital Bank Holding Corporation (the
"Company") are set forth in the following pages.




<PAGE>
                     First Capital Bank Holding Corporation

<TABLE>
<CAPTION>
                           Consolidated Balance Sheets

                                                                     September 30, 2001          December 31, 2000
                                                                         (Unaudited)                 (Audited)
                                                                         -----------                 ---------
                                     Assets
<S>                                                                           <C>                     <C>
   Cash                                                                       $  3,919,233            $  1,757,693
   Federal funds sold                                                            2,690,000               2,988,000
   Interest bearing deposits with other banks                                            -                 250,000
                                                                             -------------           -------------

              Total cash and cash equivalents                                    6,609,233               4,995,693

   Interest bearing deposits with other banks                                      250,000                       -
   Investments available for sale                                               11,444,903              14,024,540
   Other investments                                                               356,200                 277,000
   Loans, net                                                                   30,480,829              20,048,387
   Loans available for sale                                                     10,457,769
                                                                                                           376,249
   Premises and equipment, net                                                   1,746,279               1,601,281
   Other assets                                                                    564,892                 534,608
                                                                              ------------           -------------

                                                                              $ 61,910,105            $ 41,857,758
                                                                              ============            ============

                      Liabilities and Stockholders' Equity

  Deposits:
       Noninterest bearing                                                     $ 7,024,324             $ 3,642,534
       Interest bearing                                                         44,852,507              28,671,882
                                                                              ------------           -------------

              Total deposits                                                    51,876,831              32,314,416

   Other liabilities                                                               183,617                  53,107
                                                                              ------------           -------------

              Total liabilities                                                 52,060,448              32,367,523
                                                                              ------------           -------------

  Preferred stock, par value $.01, 1,000,000 shares                                      -                       -
          authorized; no shares issued or outstanding
   Common stock, par value $.01, 10,000,000 shares                                  10,000                  10,000
         authorized; 1,000,000 shares issued and outstanding
   Additional paid-in capital                                                    9,708,858               9,708,858
   Accumulated deficit                                                            (93,374)                (330,746)
   Other comprehensive income                                                      224,173                 102,123
                                                                              ------------           -------------

              Total stockholders' equity                                         9,849,657               9,490,235
                                                                              ------------           -------------

                                                                              $ 61,910,105            $ 41,857,758
                                                                               ===========            ============
</TABLE>

                See accompanying notes to financial statements.

                                       3
<PAGE>
                     First Capital Bank Holding Corporation
                 Statements of Operations and Comprehensive Loss

<TABLE>
<CAPTION>
   For the Three Months and the Nine Months Ended September 30, 2001 and 2000
                                   (Unaudited)

                                                                     Three Months Ended                      Nine Months Ended
                                                                       September 30,                          September 30,
                                                                       -------------                          -------------
                                                                   2001              2000                 2001               2000
                                                                   ----              ----                 ----               ----

<S>                                                         <C>              <C>                 <C>                 <C>
Interest income:
    Interest and fees on loans                                   $803,202         $ 398,625           $ 1,973,652         $ 915,796
    Interest income on investment securities                      192,614           220,701               768,517           619,063
    Interest income on federal funds sold                          24,250            60,738               140,144           117,553
    Interest income on deposits in other banks                      3,417             4,271                11,783            11,402
                                                              -----------        ----------           -----------         ---------

           Total interest income                                1,023,483           684,335             2,894,096         1,663,814
                                                              -----------        ----------           -----------         ---------
Interest expense:
    Interest bearing deposits                                     389,449           274,353             1,100,167           598,699
    Other                                                          13,336                77                25,645               625
                                                              -----------        ----------           -----------         ---------

           Total interest expense                                 402,785           274,430             1,125,812           599,324

Net interest income                                               620,698           409,905             1,768,284         1,064,490
    Provision for loan losses                                      54,000            36,000               149,000           137,000
                                                              -----------        ----------           -----------         ---------

Net interest income after provision for loan losses               566,698           373,905             1,619,284           927,490
                                                              -----------        ----------           -----------         ---------
Noninterest income:
     Service charges on deposit accounts                           29,432            17,133                84,595            38,683
     Gain on sale of loans                                        462,620            30,751               753,299            90,099
     Other                                                         15,785            36,523                45,944            56,052
                                                              -----------        ----------           -----------         ---------
                  Total noninterest income                       507,837            84,407                883,838           184,834
                                                              -----------        ----------           -----------         ---------
Noninterest expense:
    Salaries and employee benefits                                530,278           196,953             1,293,773           563,679
    Occupancy                                                     120,112            59,825               296,526           162,506
    Other                                                         213,779           113,064               560,951           308,889
                                                              -----------        ----------           -----------         ---------

        Total noninterest expense                                 864,169           369,842             2,151,250         1,035,074
                                                              -----------        ----------           -----------         ---------

       Net earnings before provision for income taxes             210,366            88,470               351,872            77,250
                                                              -----------        ----------           -----------         ---------

Provision for income taxes:                                        57,500                -                114,500                 -
                                                              -----------        ----------           -----------         ---------

Net income:                                                   $   152,866        $   88,470           $   237,372         $  77,250
                                                              ===========        ==========           ===========         =========
Other comprehensive loss:
    Unrealized losses arising during the period, net of
            taxes of ($29,779), $0, $58,765 and $0
                                                                   61,850           116,937               122,050            53,493
                                                              -----------        ----------           -----------         ---------

    Comprehensive income                                      $   214,716        $  205,407           $   359,422         $ 130,743
                                                              ===========        ==========           ===========         =========
Per Share:
                  Shares outstanding                            1,000,000         1,000,000             1,000,000         1,000,000
                                                              ===========        ==========           ===========         =========

           Net earnings per share                             $       .15        $      .09           $       .24         $     .08
                                                              ===========        ==========           ===========         =========

</TABLE>
                 See accompanying notes to financialstatements.

                                       4
<PAGE>


                     First Capital Bank Holding Corporation

<TABLE>
<CAPTION>

                            Statements of Cash Flows

              For the Nine Months Ended September 30, 2001 and 2000
                                   (Unaudited)
                                                                                                     2001               2000
                                                                                                     ----               ----
<S>                                                                                                <C>                 <C>
Cash flows from operating activities:
     Net income                                                                                    $ 237,372           $ 77,250
     Adjustments to reconcile net income to net cash used in
         Operating activities:
             Depreciation, amortization and accretion                                                 22,547             77,037
             Provision for loan losses                                                               149,000            137,000
                     Gain on sale of loans                                                          (753,299)           (90,099)
             Change in other assets                                                                  (93,158)          (150,224)
             Change in other liabilities                                                          $  130,510           $ 46,935
                                                                                                  ----------           --------

                  Net cash used in operating activities                                             (307,028)            97,899
                                                                                                  ----------           --------
Cash flows from investing activities:
     Proceeds invested in certificate deposits in other banks                                       (250,000)                 -
     Proceeds from maturities of securities                                                        7,905,741          1.005,909
     Purchase of investment securities available for sale                                         (5,006,935)        (4,915,659)
       Purchase of other investments                                                                 (79,200)           (46,000)
     Net change in loans                                                                         (10,205,193)       (12,878,048)
     Funding of loans available for sale                                                         (58,188,883)                 -
       Proceeds from sale of loans                                                                48,484,413          2,488,740
     Purchase of premises and equipment                                                             (301,790)           (83,077)
                                                                                                  ----------           --------

                  Net cash used in investing activities                                          (17,641,847)       (14,428,134)
                                                                                                  ----------           --------

Cash flows provided by financing activities associated with an increase
     in deposits                                                                                 19,562,415          17,856,725
                                                                                                 ----------           ---------

Net increase in cash                                                                              1,613,540           3,526,490

Cash and cash equivalents at the beginning of the period                                          4,995,693           2,927,088
                                                                                                ===========         ===========

Cash and cash equivalents at the end of the period                                             $  6,609,233         $ 6,453,578
                                                                                                ===========         ===========
Supplemental cash flow information:
     Interest paid                                                                             $  1,111,702         $   684,645
                                                                                                ===========         ===========

       Taxes paid                                                                              $     72,000         $         -
                                                                                                ===========         ===========

</TABLE>

                 See accompanying notes to financial statements.

                                       5


<PAGE>


                     First Capital Bank Holding Corporation

                          Notes to Financial Statements
                                   (Unaudited)
(1)      Organization

      First Capital Bank Holding Corporation (the "Company") was incorporated
      for the purpose of becoming a bank holding company. On July 26, 1999, the
      Company acquired 100% of the outstanding common stock of First National
      Bank of Nassau County (the "Bank"), which operates in the Fernandina
      Beach, Florida area. The Bank is chartered and regulated by the Office of
      the Comptroller of Currency and the Federal Deposit Insurance Corporation.
      The Bank commenced operations on July 26, 1999.

      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 quarter ended
      September 30, 2001 are not necessarily indicative of the results of a full
      year's operations.

(2)      Basis of Presentation

      The consolidated financial statements include the accounts of the Company
      and the Bank. All intercompany accounts and transactions have been
      eliminated in consolidated.

      The accounting principles followed by the Company and its subsidiary, and
      the method of applying these principles, conform with generally accepted
      accounting principles (GAAP) and general practices within the banking
      industry. In preparing financial statements in conformity with GAAP,
      management is required to make estimates and assumptions that affect the
      reported amounts in the financial statements. Actual results could differ
      significantly from those estimates. Material estimates common to the
      banking industry that are particularly susceptible to significant change
      in the near term include, but are not limited to, the determination of the
      allowance for loan losses, the valuation of real estate acquired in
      connection with foreclosures or in satisfaction of loans, and valuation
      allowances associated with the realization of deferred tax assets which
      are based on future taxable income.

(3)      Summary of Significant Accounting Policies

      Investment Securities
      The Company classifies its securities in one of three categories: trading,
      available for sale, or held to maturity. Trading securities are bought and
      held principally for the purpose of selling them in the near term. Held to
      maturity securities are those securities for which the Company has the
      ability and intent to hold until maturity. All securities not included in
      trading or held to maturity are classified as available for sale.

      Available for sale securities is recorded at fair value. Held to maturity
      securities is recorded at cost, adjusted for the amortization or accretion
      of premiums or discounts. Unrealized holding gains and losses, net of the
      related tax effect, on securities available for sale are excluded from
      earnings and are reported as a separate component of shareholders' equity
      until realized. Transfers of securities between categories are recorded at
      fair value at the date of transfer.

      A decline in the market value of any available for sale or held to
      maturity security below cost that is deemed other than temporary is
      charged to earnings and establishes a new cost basis for the security.

      Premiums and discounts are amortized or accreted over the life of the
      related securities as adjustments to the yield. Realized gains and losses
      for securities classified as available for sale and held to maturity are
      included in earnings and are derived using the specific identification
      method for determining the cost of securities sold.


                                       6
<PAGE>


      First Capital Bank Holding Corporation
      Notes to Financial Statements, continued

(3)      Summary of Significant Accounting Policies, continued

      Loans and Allowance for Loan Losses
      Loans are stated at principal amount outstanding, net of the allowance for
      loan losses. Loans available for sale are recorded at the lower of cost or
      market. Unearned interest on discounted loans is recognized as income over
      the term of the loans using a method that approximates a level yield.
      Interest on other loans is calculated by using the simple interest method
      on daily balances of the principal amount outstanding.

      A loan is considered impaired when, based on current information and
      events, it is probable that all amounts due according to the contractual
      terms of the loan agreement will not be collected. Impaired loans are
      measured based on the present value of expected future cash flows
      discounted at the loan's effective interest rate, or at the loan's
      observable market price, or at the fair value of the collateral of the
      loan if the loan is collateral dependent. Accrual of interest is
      discontinued on a loan when management believes, after considering
      economic and business conditions and collection efforts that the
      borrower's financial condition is such that collection of interest is
      doubtful.

      The allowance for loan losses is established through a provision for loan
      losses charged to expense. Loans are charged against the allowance for
      loan losses when management believes that the collectibility of the
      principal is unlikely. The allowance represents an amount, which, in
      management's judgment, will be adequate to absorb probable losses on
      existing loans that may become uncollectible.

      Management's judgment in determining the adequacy of the allowance is
      based on evaluations of the collectibility of loans. These evaluations
      take into consideration such factors as changes in the nature and volume
      of the loan portfolio, current economic conditions that may affect the
      borrower's ability to pay, overall portfolio quality and review of
      specific problem loans.

      Management believes that the allowance for loan losses is adequate. While
      management uses available information to recognize losses on loans, future
      additions to the allowance may be necessary based on changes in economic
      conditions. In addition, various regulatory agencies, as an integral part
      of their examination process, periodically review the Bank's allowance for
      loan losses. Such agencies may require the Bank to recognize additions to
      the allowance based on judgments different than those of management.

      Premises and Equipment
      Premises and equipment are stated at cost less accumulated depreciation.
      Major additions and improvements are capitalized while maintenance and
      repairs that do not improve or extend the useful lives of the assets are
      expensed. When assets are retired or otherwise disposed of, the cost and
      related accumulated depreciation are removed from the accounts, and any
      gain or loss is reflected in earnings for the period.

      Depreciation expense on furniture, fixtures and equipment is computed
      using the straight-line method over 5 to 7 years.

      Income Taxes
      The Company accounts for deferred income taxes using the liability
      approach, and when this approach results in a net deferred tax asset,
      management evaluates the likelihood of being able to realize that asset.
      When management determines that some or all of the net deferred tax asset
      is not realizable, a valuation allowance is recorded for that amount. At
      September 30, 2001, the Company's significant deferred tax attribute was
      its net operating loss since inception, and this deferred tax asset has
      been fully reserved.

(4)      Preferred Stock

      Shares of preferred stock may be issued from time to time in one or more
      series as established by resolution of the Board of Directors of the
      Company. Each resolution shall include the number of shares issued,
      preferences, special rights and limitations as determined by the Board.

(5)      Commitments

      The Company entered into an employment agreement with its President and
      Chief Executive Officer, providing for an initial term of five years
      commencing August 15, 1998. The agreement provides for a base salary, an
      incentive

                                       7

<PAGE>

      bonus based on five percent of the Company's pre-tax earnings, and annual
      stock options which vest equally over five years at $10 per share equal to
      the lesser of 30,000 shares or five percent of the number of shares sold
      in the initial public offering. Additionally, the Company is to maintain a
      $1,000,000 key man life insurance policy, with $500,000 payable to the
      Company and $500,000 payable to the President's family. The agreement
      further provides for other prerequisites, and subjects the President to
      certain noncompete restrictions.

Item 2.   Management's Discussion and Analysis of Financial Condition and
          Results of Operations For the Nine Months Ended September 30, 2001
          and 2000

                           FORWARD-LOOKING STATEMENTS

The following is a discussion of our financial condition as of and for the
period ended September 30, 2001. The discussion should be read in conjunction
with our condensed consolidated financial statements and accompanying footnotes
appearing in this report.

This report contains "forward-looking statements" relating to, without
limitation, future economic performance, plans and objectives of management for
future operations, and projections of revenues and other financial items that
are based on the beliefs of our management, as well as assumptions made by and
information currently available to our management. The words "expect,"
"anticipate," and "believe," as well as similar expressions, are intended to
identify forward-looking statements. Our actual results may differ materially
from the results discussed in the forward-looking statements, and our operating
performance each quarter is subject to various risks and uncertainties that are
discussed in detail in our filings with the Securities and Exchange Commission,
including the "Risk Factors" section in our Registration Statement (Registration
Number 333-69973) as filed with and declared effective by the Securities and
Exchange Commission.

The terrorist attacks that occurred in New York City and Washington, D.C. on
September 11, 2001, and the United States' subsequent response to these events
have resulted in a general economic slowdown that may adversely affect our
banking business. Economic slowdowns or recessions in our primary market area
may be accompanied by reduced demand for credit, decreasing interest margins and
declining real estate values, which may in turn result in a decrease in net
earnings and an increased possibility of potential loan losses in the event of
default. Any sustained period of decreased economic activity, increased
delinquencies, foreclosures or losses could limit our growth and negatively
affect our results of operations. We cannot predict the extent or duration of
these events or their effect upon our business and operations. We will, however,
closely monitor the effect of these events upon our business, and make
adjustments to our business strategy as we deem necessary.

Financial Condition

     As of September 30, 2001, we had total assets of $61,910,105, an increase
of 48% over December 31, 2000. Significant contributors to the asset growth
included increases in cash and cash equivalents of $1,613,540, or 32%, increases
in portfolio loans of $10,056,193, or 49%, and increases in mortgage loans
available for sale of $10,457,769, or 100%. The increase in portfolio loans was
the result of ongoing loan demand in our service area, while our wholesale loan
operations, which initiated operations in May 2001, generated our portfolio of
loans available for sale. The mortgage loan volume was driven by attracting new
sources for loans and from the refinance market due to significant declines in
mortgage rates. Increased deposits funded growth in these assets. When compared
to December 31, 2000, deposits for the nine months ended September 30, 2001
increased $19,562,415, or 61%.

     As of September 30, 2001, the Bank's total loan to deposit and portfolio
loan to deposit ratios were 79% and 59%, respectively. Our long-term target for
portfolio loans to deposit ratio is 80%. Loans held for sale will be primarily
funded through excess short term bank deposits and alternative sources such as
Federal Home Loan Bank advances and warehouse lines of credit. We intend that,
generally, the interest rates we pay on interest bearing deposits and the
service charge rates we charge for deposit services will be comparable to other
local market rates. We are making a concerted effort to develop quality loan
business in the local market and to manage the deposit growth consistent with
expected loan demand.

      The deposit mix at September 30, 2001 was as follows: $7,024,324 (14% of
total deposits) in noninterest bearing demand deposit; $8,852,418 (17% of total
deposits) in interest checking accounts; $17,359,910 (33% of total deposits) in
savings accounts; and $18,640,179 ( 36% of total deposits) in time deposits.
Consistent with our expectations, the deposit mix has become more heavily
weighted towards higher costing time deposits. We expect this trend to continue,
thus increasing the average cost of funds and reducing the Bank's net interest
margin.


                                       8
<PAGE>


     While the Bank continues to build its loan portfolio, excess funds are
invested in short to intermediate term government and mortgage-backed
securities. At September 30, 2001, all securities were classified as available
for sale, totaling $11,444,903. The current investment portfolio strategy is
primarily to provide liquidity for funding loans and initial operating
expenditures and secondarily for earnings enhancement. Accordingly, all
investment securities are pledgeable to raise funding through public deposits,
secured borrowing, or repurchase agreements.

     We had an accumulated deficit of $93,374 as of September 30, 2001. During
the first nine months of 2001, we had net income of $237,372. Prior to
commencing operations in July 1999, the losses were a result of expenses
incurred in connection with activities related to our organization.

Results of Operations

     Net income for the nine months ended September 30, 2001 was $237,372, as
compared to $77,250 for the same period in 2000. The improvement in our results
was due to improved net interest income and increase in noninterest income
generated from sale of mortgage and Small Business Administration loans.

     Net interest income for the nine months ended September 30, 2001 was
$1,768,284, compared to $1,064,490 for the nine months ended September 30, 2000.
We had interest expense on interest bearing deposits of $1,100,167 for the nine
months ended September 30, 2001, as compared to $599,324 for the same period in
2000. Total interest income for the first nine months of 2001 was $2,894,096,
compared to $1,663,814 for the same period in 2000. Included in interest income
is interest and fees on loans totaling $1,973,652 for the nine months ended
September 30, 2001 and $915,796 for the same period in 2000. Interest income
also includes interest income on investments of $768,517 and $619,063 for the
nine months ended September 30, 2001 and 2000, respectively. The growth in
interest income and expense reflects the growth in our interest earning assets
and liabilities. Interest income on loans as a percentage of total interest
income increased to 68% at September 30, 2001, as compared to 55% for the same
period last year. This increase is due to our efforts to invest our funds in
higher coupon, high quality loans instead of investment securities.

     The Company's interest earning assets are principally floating rate while
the funding sources are primarily money market and short term time deposits.
This methodology of funding minimizes the effect of interest volatility in the
market. This fact, in addition to an improvement in the mix of earning assets,
has contributed to the improvement in net interest margin from 3.94% as of
September 2000 to 4.05% as of September 2001.

     For the quarters ending September 30, 2001 and 2000, respectively, net
income was $152,866 and $88,470 while net interest income after provision for
loan losses was $566,698 and $373,905.

     The provision for loan losses was $149,000 and $137,000 for the nine months
ended September 30, 2001 and 2000, respectively. Because the Bank's loan
portfolio is relatively unseasoned, the Bank has limited historical data about
loan losses on its portfolio on which to base projections for future losses.
Until more substantial evidence about potential losses is developed, we believe
the Bank should establish an allowance for loan losses between 1.15% and 1.5% of
total portfolio loans. At September 30, 2001, the allowance for loan losses was
$407,000, compared to $258,000 at December 31, 2000, which represented 1.32% and
1.27% of total portfolio loans, respectively.

     Noninterest income was $883,838 and $184,834 for the nine months and
$507,837 and $84,407 for the quarter ended September 2001 and 2000,
respectively. This increase consists primarily of gains on sales of mortgage and
Small Business Administration loans. Total proceeds associated with these sales
were $45,232,803 and $3,251,610, respectively.

     Noninterest expense was $2,151,250 and $1,035,074 for the nine months and
$864,169 and $369,842 for the quarter ended September 30, 2001 and 2000,
respectively. Salaries and benefits for the nine months ended September 30, 2001
and 2000 totaled $1,293,773 and $563,679, respectively. The increase is
primarily due to additional employees being hired to start up the retail and
wholesale mortgage operations. The remainder of the expenses relate primarily to
operational costs for data processing, ATM processing and advertising.

                                       9


<PAGE>


Liquidity

     The Bank has established short-term federal funds purchase lines of credit
with its correspondent banks, which total $6,450,000. These lines are unsecured
and are designed to provide the Bank with short-term liquidity. These lines may
be revoked at any time by the correspondent banks and are available to the Bank
simply as an accommodation for short-term (two weeks or less) liquidity needs.
Additionally, the Bank has investments available for sale of $11,444,903, cash
and cash equivalents of $6,609,233, and interest bearing deposits with other
banks of $250,000 to fund operations and loan growth.

      Currently, we limit investments to highly liquid overnight investments in
correspondent banks and bank-qualified securities. For the foreseeable future,
the Bank will consider its investment portfolio primarily as a source for
liquidity and secondarily as a source for earnings.

PART II.  OTHER INFORMATION

Item 1.    Legal Proceedings

           There are no material pending legal proceedings to which we are a
           party or of which any of our property is the subject.

Item 2.    Changes in Securities

           None.

Item 3.    Defaults Upon Senior Securities and Use of Proceeds

           None.

Item 4.    Submission of Matters to a Vote of Security Holders

           None.

Item 5.    Other Information

            None.

Item 6.    Exhibits and Reports on Form 8-K

(a)      Exhibits:  None.

(b)      Reports on Form 8-K -- No reports on Form 8-K were filed during the
         quarter ended September 30, 2001.



                                       10
<PAGE>


                                   SIGNATURES


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




                                         FIRST CAPITAL BANK HOLDING CORPORATION



Date:     November 3, 2001               By:  /s/ Michael G. Sanchez
                                              ----------------------------------
                                                  Michael G. Sanchez
                                                  Chief Executive Officer



Date:     November 3, 2001               By:  /s/ Timothy S. Ayers
                                              ----------------------------------
                                                  Timothy S. Ayers
                                                  Principal Accounting and Chief
                                                     Financial Officer


                                       11