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 June 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                              32035
-----------------------------------------       -------------------------
  (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 July 31, 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.




                                       2

<PAGE>


                     First Capital Bank Holding Corporation

<TABLE>
<CAPTION>

                           Consolidated Balance Sheets

                                                                           June 30, 2001            December 31, 2000
                                                                           (Unaudited)                 (Audited)
                                                                            -----------                 ---------


                                     Assets

<S>                                                                            <C>                     <C>
   Cash                                                                        $ 5,687,755             $ 1,757,693
   Federal funds sold                                                            2,050,885               2,988,000
   Interest bearing deposits with other banks                                            -                 250,000
                                                                             -------------            ------------

              Total cash and cash equivalents                                    7,738,640               4,995,693

   Interest bearing deposits with other banks                                      250,000                       -
   Investments available for sale                                               12,028,995              14,024,540
   Other investments                                                               356,200                 277,000
   Loans, net                                                                   26,929,688              20,424,636
   Loans available for sale                                                      7,161,669                       -
   Premises and equipment, net                                                   1,775,906               1,601,281
   Other assets                                                                    537,246                 534,608
                                                                             -------------            ------------

                                                                              $ 56,778,344             $41,857,758
                                                                             =============            ============

                      Liabilities and Stockholders' Equity

  Deposits:
       Noninterest bearing                                                     $ 7,049,989             $ 3,642,534
       Interest bearing                                                         39,985,993              28,671,882
                                                                             -------------            ------------

              Total deposits                                                    47,035,982              32,314,416

   Other liabilities                                                               107,421                  53,107
                                                                             -------------            ------------

              Total liabilities                                                 47,143,403              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                                                            (246,240)               (330,746)
   Other comprehensive income                                                      162,323                 102,123
                                                                             -------------            ------------

              Total stockholders' equity                                         9,634,941               9,490,235
                                                                             -------------            ------------

                                                                              $ 56,778,344            $ 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 Six Months Ended June 30, 2001 and 2000
                                   (Unaudited)

                                                                     Three Months Ended                      Six Months Ended
                                                                          June 30,                               June 30,
                                                                          --------                               --------
                                                                   2001              2000                 2001               2000
                                                                   ----              ----                 ----               ----

<S>                                                             <C>                 <C>               <C>                 <C>
Interest income:
    Interest and fees on loans                                  $ 616,659           308,502           $ 1,170,450         $ 517,171
    Interest income on investment securities                      279,013           216,522               584,270           405,493
    Interest income on federal funds sold                          79,347            33,473               107,528            56,815
    Interest income on deposits in other banks                      4,133            13,190                 8,366            21,550
                                                                ---------         ---------             ---------        ----------

           Total interest income                                  979,152           571,687             1,870,614         1,001,029
                                                                ---------         ---------             ---------        ----------

Interest expense:
    Interest bearing deposits                                     381,389           197,963               710,718           324,894
    Other                                                               -                 -                12,309                 -
                                                                ---------         ---------             ---------        ----------

           Total interest expense                                 381,389           197,963               723,027           324,894
                                                                ---------         ---------             ---------        ----------

Net interest income                                               597,763           373,724             1,147,587           676,135
    Provision for loan losses                                      53,000            48,500                95,000           101,000
                                                                ---------         ---------             ---------        ----------

Net interest income after provision for loan losses               544,763           325,224             1,052,587           575,135
                                                                ---------         ---------             ---------        ----------

Noninterest income:
     Service charges on deposit accounts                           31,153             7,455                55,163            19,529
     Gain on sale of loans                                        112,719            14,800               217,121            59,348
     Other                                                         96,926                 -               103,715                 -
                                                                ---------         ---------             ---------        ----------

                  Total noninterest income                        240,798            22,255               375,999            78,877
                                                                ---------         ---------             ---------        ----------

Noninterest expense:
    Salaries and employee benefits                                457,530           185,060               763,495           366,726
    Occupancy                                                     104,646            52,647               176,414           102,681
    Other                                                         176,745            91,385               347,171           195,825
                                                                ---------         ---------             ---------        ----------

           Total noninterest expense                              738,921           329,092             1,287,080           665,232
                                                                ---------         ---------             ---------        ----------

           Net earnings (loss) before provision for
           income taxes                                            46,640            18,387               141,506           (11,220)

Provision for income taxes:                                       (25,000)                -               (57,000)               -
                                                                ---------         ---------             ---------        ----------

Net income (loss):                                               $ 21,640            18,387                84,506           (11,220)
                                                                =========         =========             =========         =========

Other comprehensive loss:
    Unrealized losses arising during the period, net of
            taxes (benefit) of ($28,677), ($51,093), $36,897
            and ($81,434)                                         (46,788)          (83,363)               60,200          (132,866)
                                                                ---------         ---------             ---------        ----------

    Comprehensive (loss) income                                   (25,148)          (64,976)              144,706          (144,086)
                                                                =========         =========             =========         =========

Per Share:
                  Shares outstanding                            1,000,000         1,000,000             1,000,000         1,000,000
                                                                =========         =========             =========         =========
           Net earnings (loss) per share                          $   .02           $   .02               $   .08         $    (.01)
                                                                =========         =========             =========         =========


</TABLE>

                 See accompanying notes to financial statements.

                                       4
<PAGE>



                     First Capital Bank Holding Corporation

<TABLE>
<CAPTION>

                            Statements of Cash Flows

                 For the Six Months Ended June 30, 2001 and 2000
                                   (Unaudited)

                                                                                                     2001              2000
                                                                                                     ----              ----


<S>                                                                                         <C>                        <C>
Cash flows from operating activities:
     Net income (loss)                                                                      $        84,506            (11,220)
     Adjustments to reconcile net income (loss) to net cash used in
         Operating activities:
             Depreciation, amortization and accretion                                               (17,759)            49,217
             Provision for loan losses                                                               95,000            101,000
                     Gain on sale of loans                                                         (217,121)           (59,348)
             Change in other assets                                                                 (33,650)          (129,273)
             Change in other liabilities                                                             54,314             19,045
                                                                                              -------------        -----------

                  Net cash used in operating activities                                             (34,710)           (30,579)
                                                                                              -------------        -----------

Cash flows from investing activities:
     Proceeds invested in certificate deposits in other banks                                      (250,000)                 -
     Proceeds from maturities of securities                                                       6,194,141            103,924
     Purchase of investment securities available for sale                                        (3,999,591)        (2,222,727)
       Purchase of other investments                                                                (79,200)           (46,000)
     Net change in loans                                                                         (6,382,931)        (8,723,995)
     Funding of loans available for sale                                                        (17,736,502)                 -
       Proceeds from sale of loans                                                               10,574,833          1,265,230
     Purchase of premises and equipment                                                            (264,659)           (25,072)
                                                                                              -------------        -----------

                  Net cash used in investing activities                                         (11,943,909)        (9,648,640)
                                                                                              -------------        -----------

Cash flows provided by financing activities associated with an increase
     in deposits                                                                                 14,721,566         12,153,038
                                                                                              -------------        -----------

Net increase in cash                                                                              2,742,947          2,473,819

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                                          $     7,738,640          5,400,907
                                                                                              =============        ===========

Supplemental cash flow information:
     Interest paid                                                                          $       715,269            320,419
                                                                                              =============        ===========

</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 June 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.

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



                                       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, continued
      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
      June 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 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



                                       7
<PAGE>

     $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 Six Months Ended June 30, 2001 and 2000

                           FORWARD-LOOKING STATEMENTS

The following is a discussion of our financial condition as of and for the
period ended June 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.

Financial Condition

     As of June 30, 2001, we had total assets of $56,778,344, an increase of 36%
over December 31, 2000. Significant contributors to the asset growth included
increases in cash and cash equivalents of $2,742,947 or 55%, increases in loans
of $6,505,052, or 32% and increases in loans available for sale of $7,161,669 or
100%. The increase in loans was the result of ongoing loan demand in our service
area. Additionally, during the second quarter of 2001, we initiated our
wholesale loan operations which generated our portfolio of loan available for
sale. Growth in these assets was funded by increased deposits. When compared to
December 31, 2000, deposits for the six months ended June 30, 2001 increased
$14,721,566, or 45%.

     As of June 30, 2001, the Bank's total loan to deposit ratio was 73%. Our
long term target for portfolio loans to deposit ratio is 80%. Loans held for
sale will be primarily funded through alternative sources such as Federal Home
Loan Bank advances and warehouse lines of credit. The interest rates paid on
interest bearing deposits and the service charge rates for deposit services are
comparable to 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 June 30, 2001 was as follows: $7,049,989 (15% of total
deposits) in noninterest bearing demand deposit; $9,781,498 (21% of total
deposits) in interest checking accounts; $18,663,794 (40% of total deposits) in
savings accounts; and $11,540,701 (24% of total deposits) in time deposits. As
the Bank continues to grow, we expect the deposit mix to become more heavily
weighted towards the higher costing time deposits, thus increasing the average
cost of funds and reducing the Bank's net interest margin.

     While the Bank continues to build its loan portfolio, excess funds are
invested in short to intermediate term government and mortgage-backed
securities. At June 30, 2001, all securities were classified as available for
sale totaling $12,028,995. 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 $246,240 as of June 30, 2001. During the
first six months of 2001, we had net income of $84,506. Prior to commencing
operations in July 1999, the losses were a result of expenses incurred in
connection with activities related to our organization.

                                       8

<PAGE>


Results of Operations

     Net income for the six months ended June 30, 2001 was $84,506 as compared
to a net loss $11,220 for the same period in 2000. The improvement in our
results was due to improved net interest income and increase in non-interest
income generated from sale of mortgage and Small Business Administration loans.

     Net interest income for the six months ended June 30, 2001 was $1,147,587
compared to $676,135 for the six months ended June 30, 2000. We had interest
expense on interest bearing deposits of $710,718 for the six months ended June,
2001, as compared to $324,894 for the same period in 2000. Total interest income
in the second quarter of 2001 was $1,870,614 compared to $1,001,029 in the
second quarter of 2000. Interest income includes interest income and fees on
loans totaling $1,170,450 for the six months ended June 30, 2001 and $517,171
for the same period in 2000. Interest income also includes interest income on
investments of $584,270 and $405,493 for the six months ended June 30, 2001 and
2000, respectively. The growth in interest income and expense is reflective of
growth in interest earning assets and liabilities. Interest income on loans as a
percentage of total interest income increased to 63% at June 30, 2001, as
compared to 51% 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.

     For the quarters ending June 30, 2001 and 2000, respectively, net income
was $21,640 and $18,387 while net interest income after provision for loan
losses was $544,793 and $325,224.

     The provision for loan losses was $95,000 and $101,000 for the six months
ended June 30, 2001 and 2000, respectively. Because the Bank's loan portfolio is
relatively new, 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 loans. At
June 30, 2001, the allowance for loan losses was $353,000, compared to $175,000
at December 31, 2000, which represented 1.28% and 1.26% of total loans,
respectively.

     Noninterest income was $375,999 and $78,877 for the six months and $240,798
and $22,255 for the quarter ended June, 2001 and 2000, respectively. This
increase consists primarily of gains on sales of Small Business Administration
and mortgage loans. Total proceeds associated with these sales were $2,391,149
and $8,183,684, respectively.

     Non-interest expense was $1,287,081 and $665,232 for the six months and
$738,921 and $329,092 for the quarter ended June 30, 2001 and 2000,
respectively. Salaries and benefits for the six months ended June 30, 2001 and
2000 totaled $763,495 and $366,726, respectively. The increase is primarily due
to additional employees being hired to start up the wholesale loan operation,
which is a division of the bank that funds mortgage loans made by other
financial institutions, such as mortgage brokers, thrifts, small banks, and
credit unions and sells the loans to financial intermediaries. The remainder of
the expenses relates primarily to operational costs for data processing, ATM
processing and advertising.

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 $12,028,995, cash
and cash equivalents of $7,738,640, 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.


                                       9

<PAGE>


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

         There was one matter submitted to a vote of security holders during the
six months ended June 30, 2001 at the Company's annual meeting of shareholders
held on April 18, 2001.

1.       The election of five members of the Board of Directors as Class II
         directors for a three year term.

            The Company's Bylaws provides that the Board of Directors shall be
            divided into three classes with each class to be nearly equal in
            number as possible. The Bylaws also provide that the three classes
            of directors are to have staggered terms, so that the terms of only
            approximately one-third of the board members will expire at each
            annual meeting of shareholders. The current Class I directors are
            Christina H. Bryan, Suellen Rodeffer Garner, Michael G. Sanchez,
            Harry R. Trevett, and Marshall E. Wood. The current Class II
            directors are Ron Anderson, C. Brett Carter, William K. Haley, M.D.,
            Lori L. McCarroll, and David F. Miller. The current Class III
            directors are William J. Mock, Jr., Marlene J. Murphy, Robert L.
            Peters, Lawrence Piper, and Edward E. Wilson. The current terms of
            the Class II directors expired at the Annual Meeting. Each of the
            five current Class II directors was nominated for reelection and
            stood for election at the Annual Meeting on April 18, 2001 for a
            three year term. The number of votes for the election of the Class
            II directors was as follows: For Mr. Anderson - 690,039; for Mr.
            Carter - 685,439; for Dr. Haley - 689,939; for Ms. McCarroll -
            699,939; and for Mr. Miller - 690,439. The number of votes which
            withhold authority for Mr. Anderson - 308,561; withhold authority
            for Mr. Carter - 308,561; withhold authority for Dr. Haley -
            308,561; withhold authority for Ms. McCarroll - 298,561; and
            withhold authority for Mr. Miller - 308,561. The number of votes
            against the election of directors was as follows: against Mr.
            Anderson --- 1,400; against Mr. Carter - 6,000; against Dr. Haley -
            1,500; against Ms. McCarroll - 1,500; and against Mr. Miller -
            1,000. The terms of the Class III directors will expire at the 2002
            Annual Meeting of Shareholders, and the terms of the Class I
            directors will expire at the 2003 Annual Meeting of Shareholders.

There were no other matters voted on by the Company's shareholders at our annual
meeting held on April 18, 2001.

Item 5.    Other Information

            None.

Item 6.    Exhibits and Reports on Form 8-K

(a)      Exhibits:  See Exhibit List Attached.

(b)      Reports on Form 8-K -- No reports on Form 8-K were filed during the
         quarter ended June 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:     July 31, 2001                       By:  /s/ Michael G. Sanchez
                                                   -----------------------------
                                                       Michael G. Sanchez
                                                       Chief Executive Officer



Date:     July 31, 2001                       By:  /s/ Timothy S. Ayers
                                                   -----------------------------
                                                       Timothy S. Ayers
                                                       Chief Financial Officer

                                       11

<PAGE>


                                INDEX TO EXHIBITS
                                -----------------

Exhibit
Number            Description
-------           -----------

10.1     Employment Agreement of William J. Kelley dated January 18, 2001 with
         First National Bank of Nassau County.




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