---

U.S. SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549



---



FORM 10-QSB



---



(Mark One)

|x | Quarterly report under Section 13 or 15(d) of the Securities Exchange Act of 1934
|- | ---------------------------------------------------------------------------------



For the quarterly period ended September 30, 2005



| ̈ | Transition report under Section 13 or 15(d) of the Exchange Act
|- | ---------------------------------------------------------------



For the transition period from  to



Commission file number 000-50357



---



FIRST COMMUNITY BANK CORPORATION OF AMERICA

(Exact Name of Small Business Issuer as Specified in Its Charter)



---



|                                                               |  |                                     
|-------------------------------------------------------------- |  | ------------------------------------
|Florida                                                        |  | 65-0623023                          
|(State or Other Jurisdiction of Incorporation or Organization) |  | (I.R.S. Employer Identification No.)



9001 Belcher Road

Pinellas Park, Florida 33782

(Address of Principal Executive Offices)



(727) 520-0987

(Issuers Telephone Number, Including Area Code)





(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  x    NO ̈



Indicate by check mark whether the registrant is a shell company (as defined
in Rule 12b-2 of the Exchange Act).    YES ̈NO  x



State the number of shares
outstanding of each of the issuers classes of common equity, as of the latest practicable date;



|                                       |  |                                
|-------------------------------------- |  | -------------------------------
|Common stock, par value $.08 per share |  | 2,255,576 shares               
|(class)                                |  | Outstanding at October 21, 2005



Transitional Small
Business Format (Check One):    YES ̈NO  x



---



---

FIRST COMMUNITY BANK CORPORATION OF AMERICA AND SUBSIDIARIES



INDEX



|                                                                                                                               |  |      
|------------------------------------------------------------------------------------------------------------------------------ |  | -----
|                                                                                                                               |  | Page 
|PART I.
FINANCIAL INFORMATION                                                                                                  |  |      
|                                                                                                                               | 
|Item 1.
Financial Statements                                                                                                   |  |      
|                                                                                                                               | 
|Condensed Consolidated Balance Sheets - At September 30, 2005 (unaudited) and At December 31, 2004                             |  | 2    
|                                                                                                                               | 
|Condensed Consolidated Statements of Earnings - Three and Nine Months ended September 30, 2005 and 2004 (unaudited)            |  | 3    
|                                                                                                                               | 
|Condensed Consolidated Statements of Changes in Stockholders Equity Nine Months Ended September 30, 2005 and 2004 (unaudited) |  | 4    
|                                                                                                                               | 
|Condensed Consolidated Statements of Cash Flows - Nine Months Ended September 30, 2005 and 2004 (unaudited)                    |  | 5-6  
|                                                                                                                               | 
|Notes to Condensed Consolidated Financial Statements (unaudited)                                                               |  | 7-10 
|                                                                                                                               | 
|Review by Independent Registered Public Accounting Firm                                                                        |  | 11   
|                                                                                                                               | 
|Report of Independent Registered Public Accounting Firm                                                                        |  | 12   
|                                                                                                                               | 
|Item 2.
Managements Discussion and Analysis or Plan of Operation                                                              |  | 13-21
|                                                                                                                               | 
|Item 3.
Controls and Procedures                                                                                                |  | 22   
|                                                                                                                               | 
|PART II.
OTHER INFORMATION                                                                                                     |  |      
|                                                                                                                               | 
|Item 1.
Legal Proceedings                                                                                                      |  | 22   
|                                                                                                                               | 
|Item 6.
Exhibits                                                                                                               |  | 23   
|                                                                                                                               | 
|SIGNATURES                                                                                                                     |  | 24   



1



---

FIRST COMMUNITY BANK CORPORATION OF AMERICA AND SUBSIDIARIES



PART I. FINANCIAL INFORMATION



Item 1. Financial Statements



Condensed Consolidated Balance Sheets

(Dollars in thousands, except per share amounts)



|                                                                                                                                   |  |                   |         |   |                  |         |  
|---------------------------------------------------------------------------------------------------------------------------------- |  | ----------------- | ------- | - | ---------------- | ------- | -
|                                                                                                                                   |  | September 30,2005 |         |   | December 31,2004 |        
|                                                                                                                                   |  | (Unaudited)       |         |   |                  |        
|Assets                                                                                                                             |  |                   |         |   |                  |         |  
|                                                                                                                                   |  |                  
|Cash and due from banks                                                                                                            |  | $                 | 1,567   |   |                  | 2,513   |  
|Interest-bearing deposits with banks                                                                                               |  |                   | 15,433  |   |                  | 7,225   |  
|                                                                                                                                   |  |                   |         |   |                  |         |  
|Cash and cash equivalents                                                                                                          |  |                   | 17,000  |   |                  | 9,738   |  
|                                                                                                                                   |  |                  
|Other interest-bearing deposits with banks                                                                                         |  |                   | 622     |   |                  | 715     |  
|Securities available for sale                                                                                                      |  |                   | 10,554  |   |                  | 13,032  |  
|Securities held to maturity                                                                                                        |  |                   | 4,268   |   |                  | 1,775   |  
|Loans, net of allowance for loan losses of $3,179 in 2005 and $2,640 in 2004                                                       |  |                   | 252,276 |   |                  | 205,789 |  
|Federal Home Loan Bank stock, at cost                                                                                              |  |                   | 1,064   |   |                  | 898     |  
|Premises and equipment, net                                                                                                        |  |                   | 7,918   |   |                  | 5,241   |  
|Foreclosed real estate                                                                                                             |  |                   |        |   |                  | 49      |  
|Accrued interest receivable                                                                                                        |  |                   | 999     |   |                  | 811     |  
|Deferred income taxes                                                                                                              |  |                   | 1,017   |   |                  | 849     |  
|Bank owned life insurance                                                                                                          |  |                   | 2,289   |   |                  | 2,224   |  
|Other assets                                                                                                                       |  |                   | 765     |   |                  | 685     |  
|                                                                                                                                   |  |                   |         |   |                  |         |  
|                                                                                                                                   |  | $                 | 298,772 |   |                  | 241,806 |  
|                                                                                                                                   |  |                   |         |   |                  |         |  
|Liabilities and Stockholders Equity                                                                                               |  |                   |         |   |                  |         |  
|                                                                                                                                   |  |                  
|Liabilities:                                                                                                                       |  |                   |         |   |                  |         |  
|Noninterest-bearing demand deposits                                                                                                |  |                   | 38,150  |   |                  | 37,255  |  
|Savings, NOW and money-market deposits                                                                                             |  |                   | 107,865 |   |                  | 68,909  |  
|Time deposits                                                                                                                      |  |                   | 102,332 |   |                  | 94,554  |  
|                                                                                                                                   |  |                   |         |   |                  |         |  
|Total deposits                                                                                                                     |  |                   | 248,347 |   |                  | 200,718 |  
|                                                                                                                                   |  |                  
|Federal Home Loan Bank advances                                                                                                    |  |                   | 13,000  |   |                  | 12,000  |  
|Other borrowings                                                                                                                   |  |                   | 3,682   |   |                  | 1,122   |  
|Accrued expenses and other liabilities                                                                                             |  |                   | 8,319   |   |                  | 4,348   |  
|                                                                                                                                   |  |                   |         |   |                  |         |  
|Total liabilities                                                                                                                  |  |                   | 273,348 |   |                  | 218,188 |  
|                                                                                                                                   |  |                   |         |   |                  |         |  
|Stockholders equity:                                                                                                              |  |                   |         |   |                  |         |  
|Common stock, $0.08 par value, 6,250,000 shares authorized, 2,216,201 and 2,115,497 shares issued and outstanding in 2005 and
2004 |  |                   | 178     |   |                  | 169     |  
|Additional paid-in capital                                                                                                         |  |                   | 19,177  |   |                  | 19,374  |  
|Retained earnings                                                                                                                  |  |                   | 6,142   |   |                  | 4,136   |  
|Accumulated other comprehensive income (loss)                                                                                      |  |                   | (73     | ) |                  | (61     | )
|                                                                                                                                   |  |                   |         |   |                  |         |  
|Total stockholders equity                                                                                                         |  |                   | 25,424  |   |                  | 23,618  |  
|                                                                                                                                   |  |                   |         |   |                  |         |  
|                                                                                                                                   |  | $                 | 298,772 |   |                  | 241,806 |  
|                                                                                                                                   |  |                   |         |   |                  |         |  



See
Accompanying Notes to Condensed Consolidated Financial Statements.



2



---

FIRST COMMUNITY BANK CORPORATION OF AMERICA AND SUBSIDIARIES



Condensed Consolidated Statements of Earnings (Unaudited)

(In thousands, except per share amounts)



|                                                    |  |                                 |       |                                |       |      |        |      |      
|--------------------------------------------------- |  | ------------------------------- | ----- | ------------------------------ | ----- | ---- | ------ | ---- | -----
|                                                    |  | Three Months EndedSeptember 30, |       | Nine Months EndedSeptember 30,
|                                                    |  | 2005                            |       | 2004                           |       | 2005 |        | 2004
|Interest income:                                    |  |                                 |       |                                |       |      |        |      |      
|Loans                                               |  | $                               | 4,198 |                                | 2,848 |      | 11,401 |      | 8,046
|Securities                                          |  |                                 | 142   |                                | 79    |      | 335    |      | 189  
|Other interest earning assets                       |  |                                 | 41    |                                | 17    |      | 130    |      | 60   
|                                                    |  |                                 |       |                                |       |      |        |      |      
|Total interest income                               |  |                                 | 4,381 |                                | 2,944 |      | 11,866 |      | 8,295
|                                                    |  |                                 |       |                                |       |      |        |      |      
|Interest expense:                                   |  |                                 |       |                                |       |      |        |      |      
|Deposits                                            |  |                                 | 1,125 |                                | 702   |      | 2,904  |      | 1,961
|Other borrowings                                    |  |                                 | 148   |                                | 117   |      | 386    |      | 370  
|                                                    |  |                                 |       |                                |       |      |        |      |      
|Total interest expense                              |  |                                 | 1,273 |                                | 819   |      | 3,290  |      | 2,331
|                                                    |  |                                 |       |                                |       |      |        |      |      
|Net interest income                                 |  |                                 | 3,108 |                                | 2,125 |      | 8,576  |      | 5,964
|                                                    |  |                                 |       |                               
|Provision for loan losses                           |  |                                 | 197   |                                | 119   |      | 557    |      | 381  
|                                                    |  |                                 |       |                                |       |      |        |      |      
|Net interest income after provision for loan losses |  |                                 | 2,911 |                                | 2,006 |      | 8,019  |      | 5,583
|                                                    |  |                                 |       |                                |       |      |        |      |      
|Noninterest income:                                 |  |                                 |       |                                |       |      |        |      |      
|Service charges on deposit accounts                 |  |                                 | 132   |                                | 125   |      | 378    |      | 427  
|Other service charges and fees                      |  |                                 | 30    |                                | 24    |      | 80     |      | 79   
|Income from bank owned life insurance               |  |                                 | 23    |                                | 22    |      | 65     |      | 67   
|Gain on sale of loans held for sale                 |  |                                 | 57    |                                | 14    |      | 85     |      | 85   
|Other                                               |  |                                 | 81    |                                | 72    |      | 240    |      | 185  
|                                                    |  |                                 |       |                                |       |      |        |      |      
|Total noninterest income                            |  |                                 | 323   |                                | 257   |      | 848    |      | 843  
|                                                    |  |                                 |       |                                |       |      |        |      |      
|Noninterest expenses:                               |  |                                 |       |                                |       |      |        |      |      
|Employee compensation and benefits                  |  |                                 | 1,355 |                                | 854   |      | 3,613  |      | 2,494
|Occupancy and equipment                             |  |                                 | 216   |                                | 145   |      | 594    |      | 434  
|Data processing                                     |  |                                 | 183   |                                | 141   |      | 558    |      | 427  
|Professional fees                                   |  |                                 | 46    |                                | 53    |      | 165    |      | 144  
|Office supplies                                     |  |                                 | 50    |                                | 23    |      | 137    |      | 66   
|Insurance                                           |  |                                 | 45    |                                | 34    |      | 124    |      | 93   
|Advertising                                         |  |                                 | 8     |                                | 7     |      | 22     |      | 41   
|Other                                               |  |                                 | 148   |                                | 121   |      | 465    |      | 347  
|                                                    |  |                                 |       |                                |       |      |        |      |      
|Total noninterest expenses                          |  |                                 | 2,051 |                                | 1,378 |      | 5,678  |      | 4,046
|                                                    |  |                                 |       |                                |       |      |        |      |      
|Earnings before income taxes                        |  |                                 | 1,183 |                                | 885   |      | 3,189  |      | 2,380
|                                                    |  |                                 |       |                               
|Income taxes                                        |  |                                 | 432   |                                | 326   |      | 1,179  |      | 874  
|                                                    |  |                                 |       |                                |       |      |        |      |      
|Net earnings                                        |  | $                               | 751   |                                | 559   |      | 2,010  |      | 1,506
|                                                    |  |                                 |       |                                |       |      |        |      |      
|Earnings per share:                                 |  |                                 |       |                                |       |      |        |      |      
|Basic earnings per share                            |  | $                               | 0.34  |                                | 0.25  |      | 0.91   |      | 0.70 
|                                                    |  |                                 |       |                                |       |      |        |      |      
|Diluted earnings per share                          |  | $                               | 0.30  |                                | 0.23  |      | 0.80   |      | 0.63 
|                                                    |  |                                 |       |                                |       |      |        |      |      
|Dividends per share                                 |  | $                               |      |                                |      |      |       |      |     
|                                                    |  |                                 |       |                                |       |      |        |      |      



See
Accompanying Notes to Condensed Consolidated Financial Statements.



3



---

FIRST COMMUNITY BANK CORPORATION OF AMERICA AND SUBSIDIARIES



Condensed Consolidated Statements of Changes in Stockholders Equity



Nine Months Ended September 30, 2005 and 2004

(Dollars in thousands)



|                                                                                                |  |             |     |   |                          |        |   |                  |       |   |                                            |     |   |       |        |  
|----------------------------------------------------------------------------------------------- |  | ----------- | --- | - | ------------------------ | ------ | - | ---------------- | ----- | - | ------------------------------------------ | --- | - | ----- | ------ | -
|                                                                                                |  | CommonStock |     |   | AdditionalPaid-inCapital |        |   | RetainedEarnings |       |   | AccumulatedOtherComprehensiveIncome (Loss) |     |   | Total |       
|Balance at December 31, 2003                                                                    |  | $           | 159 |   |                          | 17,911 |   |                  | 2,113 |   |                                            | 1   |   |       | 20,184 |  
|                                                                                                |  |             |     |   |                          |        |   |                  |       |   |                                            |     |   |       |        |  
|Comprehensive income:                                                                           |  |             |     |   |                          |        |   |                  |       |   |                                            |     |   |       |        |  
|                                                                                                |  |             |     |   |                         
|Net earnings (unaudited)                                                                        |  |             |    |   |                          |       |   |                  | 1,506 |   |                                            |    |   |       | 1,506  |  
|                                                                                                |  |             |     |   |                         
|Net change in unrealized gain on securities available for sale, net of taxes of $16 (unaudited) |  |             |    |   |                          |       |   |                  |      |   |                                            | (29 | ) |       | (29    | )
|                                                                                                |  |             |     |   |                          |        |   |                  |       |   |                                            |     |   |       |        |  
|Comprehensive income (unaudited)                                                                |  |             |     |   |                          |        |   |                  |       |   |                                            |     |   |       | 1,477  |  
|                                                                                                |  |             |     |   |                          |        |   |                  |       |   |                                            |     |   |       |        |  
|Exercise of common stock options and warrants (122,203 shares) (unaudited)                      |  |             | 10  |   |                          | 1,407  |   |                  |      |   |                                            |    |   |       | 1,417  |  
|                                                                                                |  |             |     |   |                         
|Tax benefit from common stock options exercised (unaudited)                                     |  |             |    |   |                          | 56     |   |                  |      |   |                                            |    |   |       | 56     |  
|                                                                                                |  |             |     |   |                          |        |   |                  |       |   |                                            |     |   |       |        |  
|Balance at September 30, 2004 (unaudited)                                                       |  | $           | 169 |   |                          | 19,374 |   |                  | 3,619 |   |                                            | (28 | ) |       | 23,134 |  
|                                                                                                |  |             |     |   |                          |        |   |                  |       |   |                                            |     |   |       |        |  
|Balance at December 31, 2004                                                                    |  | $           | 169 |   |                          | 19,374 |   |                  | 4,136 |   |                                            | (61 | ) |       | 23,618 |  
|                                                                                                |  |             |     |   |                          |        |   |                  |       |   |                                            |     |   |       |        |  
|Comprehensive income:                                                                           |  |             |     |   |                          |        |   |                  |       |   |                                            |     |   |       |        |  
|                                                                                                |  |             |     |   |                         
|Net earnings (unaudited)                                                                        |  |             |    |   |                          |       |   |                  | 2,010 |   |                                            |    |   |       | 2,010  |  
|                                                                                                |  |             |     |   |                         
|Net change in unrealized loss on securities available for sale, net of taxes of $7 (unaudited)  |  |             |    |   |                          |       |   |                  |      |   |                                            | (12 | ) |       | (12    | )
|                                                                                                |  |             |     |   |                          |        |   |                  |       |   |                                            |     |   |       |        |  
|Comprehensive income (unaudited)                                                                |  |             |     |   |                          |        |   |                  |       |   |                                            |     |   |       | 1,998  |  
|                                                                                                |  |             |     |   |                          |        |   |                  |       |   |                                            |     |   |       |        |  
|Exercise of common stock options (6,563 shares) (unaudited)                                     |  |             | 1   |   |                          | 50     |   |                  |      |   |                                            |    |   |       | 51     |  
|                                                                                                |  |             |     |   |                         
|Tax benefit from common stock options exercised (unaudited)                                     |  |             |    |   |                          | 49     |   |                  |      |   |                                            |    |   |       | 49     |  
|                                                                                                |  |             |     |   |                         
|Repurchase of common stock (unaudited)                                                          |  |             | (1  | ) |                          | (287   | ) |                  |      |   |                                            |    |   |       | (288   | )
|                                                                                                |  |             |     |   |                         
|5% stock dividend (105,641 shares), fractional shares paid-in cash of $4 (unaudited)            |  |             | 9   |   |                          | (9     | ) |                  | (4    | ) |                                            |    |   |       | (4     | )
|                                                                                                |  |             |     |   |                          |        |   |                  |       |   |                                            |     |   |       |        |  
|Balance at September 30, 2005 (unaudited)                                                       |  | $           | 178 |   |                          | 19,177 |   |                  | 6,142 |   |                                            | (73 | ) |       | 25,424 |  
|                                                                                                |  |             |     |   |                          |        |   |                  |       |   |                                            |     |   |       |        |  



See
Accompanying Notes to Condensed Consolidated Financial Statements.



4



---

FIRST COMMUNITY BANK CORPORATION OF AMERICA AND SUBSIDIARIES



Condensed Consolidated Statements of Cash Flows (Unaudited)

(In thousands)



|                                                                                    |  |                                |         |   |      |         |  
|----------------------------------------------------------------------------------- |  | ------------------------------ | ------- | - | ---- | ------- | -
|                                                                                    |  | Nine Months EndedSeptember 30, |        
|                                                                                    |  | 2005                           |         |   | 2004 |        
|Cash flows from operating activities:                                               |  |                                |         |   |      |         |  
|Net earnings                                                                        |  | $                              | 2,010   |   |      | 1,506   |  
|Adjustments to reconcile net earnings to net cash provided by operating activities: |  |                                |         |   |      |         |  
|Provision for loan losses and costs                                                 |  |                                | 557     |   |      | 381     |  
|Depreciation and amortization                                                       |  |                                | 235     |   |      | 203     |  
|Net amortization of deferred loan fees and costs                                    |  |                                | (20     | ) |      | 69      |  
|Deferred income taxes                                                               |  |                                | (168    | ) |      |        |  
|Income from bank owned life insurance                                               |  |                                | (65     | ) |      | (67     | )
|Origination of loans held for sale                                                  |  |                                | (6,444  | ) |      | (4,382  | )
|Proceeds from sale of loans held for sale                                           |  |                                | 5,634   |   |      | 4,782   |  
|Gain on sale of loans held for sale                                                 |  |                                | (85     | ) |      | (85     | )
|(Gain) loss on sale of foreclosed real estate                                       |  |                                | (1      | ) |      | 18      |  
|Increase in accrued interest receivable                                             |  |                                | (188    | ) |      | (74     | )
|Increase in other assets                                                            |  |                                | (80     | ) |      | (444    | )
|Increase in accrued expenses and other liabilities                                  |  |                                | 4,027   |   |      | 171     |  
|                                                                                    |  |                                |         |   |      |         |  
|Net cash provided by operating activities                                           |  |                                | 5,412   |   |      | 2,078   |  
|                                                                                    |  |                                |         |   |      |         |  
|Cash flows from investing activities:                                               |  |                                |         |   |      |         |  
|Net change in other interest-bearing deposits with banks                            |  |                                | 93      |   |      |        |  
|Purchase of securities available for sale                                           |  |                                | (487    | ) |      | (9,516  | )
|Principal payments on securities available for sale                                 |  |                                | 446     |   |      | 179     |  
|Proceeds from maturities and calls of securities available for sale                 |  |                                | 2,500   |   |      |        |  
|Purchase of securities held to maturity                                             |  |                                | (11,303 | ) |      |        |  
|Proceeds from calls of securities held to maturity                                  |  |                                | 500     |   |      | 2,000   |  
|Principal payments on securities held to maturity                                   |  |                                | 8,310   |   |      | 148     |  
|Net increase in loans                                                               |  |                                | (46,129 | ) |      | (28,827 | )
|Purchase of premises and equipment, net                                             |  |                                | (2,912  | ) |      | (787    | )
|(Purchase) redemption of Federal Home Loan Bank stock                               |  |                                | (166    | ) |      | 225     |  
|Proceeds from sale of foreclosed real estate                                        |  |                                | 50      |   |      | 32      |  
|                                                                                    |  |                                |         |   |      |         |  
|Net cash used in investing activities                                               |  |                                | (49,098 | ) |      | (36,546 | )
|                                                                                    |  |                                |         |   |      |         |  
|Cash flows from financing activities:                                               |  |                                |         |   |      |         |  
|Increase in deposits                                                                |  |                                | 47,629  |   |      | 50,812  |  
|Repayment of Federal Home Loan Bank advances                                        |  |                                | (25,800 | ) |      | (20,500 | )
|Proceeds from Federal Home Loan Bank advances                                       |  |                                | 26,800  |   |      | 11,500  |  
|Increase in other borrowings                                                        |  |                                | 2,560   |   |      | 700     |  
|Proceeds from exercise of stock options and warrants                                |  |                                | 51      |   |      | 1,417   |  
|Fractional shares of stock dividend paid in cash                                    |  |                                | (4      | ) |      |        |  
|Repurchase of common stock                                                          |  |                                | (288    | ) |      |        |  
|                                                                                    |  |                                |         |   |      |         |  
|Net cash provided by financing activities                                           |  |                                | 50,948  |   |      | 43,929  |  
|                                                                                    |  |                                |         |   |      |         |  
|Net increase in cash and cash equivalents                                           |  |                                | 7,262   |   |      | 9,461   |  
|                                                                                    |  |                               
|Cash and cash equivalents at beginning of period                                    |  |                                | 9,738   |   |      | 3,197   |  
|                                                                                    |  |                                |         |   |      |         |  
|Cash and cash equivalents at end of period                                          |  | $                              | 17,000  |   |      | 12,658  |  
|                                                                                    |  |                                |         |   |      |         |  



(continued)



5



---

FIRST COMMUNITY BANK CORPORATION OF AMERICA AND SUBSIDIARIES



Condensed Consolidated Statements of Cash Flows (Unaudited), Continued

(In thousands)



|                                                                                                                                   |  |                                |       |   |      |       |  
|---------------------------------------------------------------------------------------------------------------------------------- |  | ------------------------------ | ----- | - | ---- | ----- | -
|                                                                                                                                   |  | Nine Months EndedSeptember 30, |      
|                                                                                                                                   |  | 2005                           |       |   | 2004 |      
|Supplemental disclosure of cash flow information:                                                                                  |  |                                |       |   |      |       |  
|Cash paid during the period for:                                                                                                   |  |                                |       |   |      |       |  
|Interest                                                                                                                           |  | $                              | 3,304 |   |      | 2,286 |  
|                                                                                                                                   |  |                                |       |   |      |       |  
|Income taxes                                                                                                                       |  | $                              | 1,516 |   |      | 935   |  
|                                                                                                                                   |  |                                |       |   |      |       |  
|Noncash transactions:                                                                                                              |  |                                |       |   |      |       |  
|Accumulated other comprehensive income, net change in unrealized gain (loss) on securities available for sale, net of income
taxes |  | $                              | (12   | ) |      | (29   | )
|                                                                                                                                   |  |                                |       |   |      |       |  
|Tax benefit from common stock options exercised                                                                                    |  | $                              | 49    |   |      | 56    |  
|                                                                                                                                   |  |                                |       |   |      |       |  
|Stock dividend                                                                                                                     |  | $                              | 9     |   |      |      |  
|                                                                                                                                   |  |                                |       |   |      |       |  



See
Accompanying Notes to Condensed Consolidated Financial Statements.



6



---

FIRST COMMUNITY BANK CORPORATION OF AMERICA AND SUBSIDIARIES



Notes to Condensed Consolidated Financial Statements (Unaudited)



|1. | General.First Community Bank Corporation of America (the Holding Company) owns all of the outstanding common stock of First Community Bank of America (the
Bank) and First Community Lender Services, Inc. (FCLS) (collectively, the Company). The Holding Companys primary business activity is the operations of the Bank. The Bank is a federally-chartered stock
savings bank that provides a variety of banking services to small and middle market businesses and individuals through its five banking offices, three of which are located in Pinellas County and two are located in Charlotte and Hillsborough
Counties, Florida. FCLS had minimal activity during the nine months ended September 30, 2005 and 2004.
|-- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



In the opinion of the management of the Company, the accompanying condensed consolidated financial statements contain all adjustments (consisting
principally of normal recurring accruals) necessary to present fairly the financial position at September 30, 2005, the results of operations for the three- and nine-month periods ended September 30, 2005 and 2004 and cash flows for the
nine-month periods ended September 30, 2005 and 2004. The results of operations and other data for the three- and nine-month periods ended September 30, 2005 are not necessarily indicative of results that may be expected for the year
ending December 31, 2005.



|2. | Loan Impairment and Loan Losses.There were no loans identified as impaired during the nine months ended September 30, 2005 or 2004.
|-- | -----------------------------------------------------------------------------------------------------------------------------------



The activity in the allowance for loan losses is as follows (in thousands):



|                               |  |                                 |       |   |                                |       |   |      |       |   |      |       |  
|------------------------------ |  | ------------------------------- | ----- | - | ------------------------------ | ----- | - | ---- | ----- | - | ---- | ----- | -
|                               |  | Three Months EndedSeptember 30, |       |   | Nine Months EndedSeptember 30, |      
|                               |  | 2005                            |       |   | 2004                           |       |   | 2005 |       |   | 2004 |      
|Balance at beginning of period |  | $                               | 2,985 |   |                                | 2,302 |   |      | 2,640 |   |      | 2,041 |  
|Provision for loan losses      |  |                                 | 197   |   |                                | 119   |   |      | 557   |   |      | 381   |  
|Charge-offs                    |  |                                 | (4    | ) |                                | (14   | ) |      | (21   | ) |      | (47   | )
|Recoveries                     |  |                                 | 1     |   |                                | 4     |   |      | 3     |   |      | 36    |  
|                               |  |                                 |       |   |                                |       |   |      |       |   |      |       |  
|Balance at end of period       |  | $                               | 3,179 |   |                                | 2,411 |   |      | 3,179 |   |      | 2,411 |  
|                               |  |                                 |       |   |                                |       |   |      |       |   |      |       |  



Nonaccrual and past
due loans were as follows (in thousands):



|                                             |  |                  |    |      |    
|-------------------------------------------- |  | ---------------- | -- | ---- | ---
|                                             |  | At September 30,
|                                             |  | 2005             |    | 2004
|Nonaccrual loans                             |  | $                | 17 |      | 137
|Past due ninety days or more, still accruing |  |                  |   |      |   
|                                             |  |                  |    |      |    
|                                             |  | $                | 17 |      | 137
|                                             |  |                  |    |      |    



At September 30,
2005 and December 31, 2004 loans held for sale approximated $1,058,000 and $163,000, respectively and are included in net loans on the condensed consolidated balance sheets.



(continued)



7



---

FIRST COMMUNITY BANK CORPORATION OF AMERICA AND SUBSIDIARIES



Notes to Condensed Consolidated Financial Statements (Unaudited), Continued



|3. | Earnings Per Share (EPS).Earnings per share (EPS) of common stock has been computed on the basis of the weighted-average number of shares of
common stock outstanding. Outstanding stock options and warrants are considered dilutive securities for purposes of calculating diluted EPS which is computed using the treasury stock method. All per share amounts have been adjusted to reflect the 5%
stock dividend paid in March 2005. At September 30, 2005 and 2004, there were no warrants outstanding. The following tables present the calculations of EPS (dollars in thousands, except per share amounts).
|-- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



|                                                                                                  |  |          |       |                        |           |                |   |          |  |                        |       |                |           |  |   |    
|------------------------------------------------------------------------------------------------- |  | -------- | ----- | ---------------------- | --------- | -------------- | - | -------- |  | ---------------------- | ----- | -------------- | --------- |  | - | ---
|                                                                                                  |  | 2005     |       | 2004                  
|                                                                                                  |  | Earnings |       | Weighted-AverageShares |           | PerShareAmount |   | Earnings |  | Weighted-AverageShares |       | PerShareAmount
|Three Months Ended September 30:                                                                  |  |          |       |                        |           |                |   |          |  |                        |       |                |           |  |   |    
|Basic EPS:                                                                                        |  |          |       |                        |           |                |   |          |  |                        |       |                |           |  |   |    
|Net earnings available to common stockholders                                                     |  | $        | 751   |                        | 2,216,201 |                | $ | .34      |  | $                      | 559   |                | 2,221,167 |  | $ | .25
|                                                                                                  |  |          |       |                        |           |                |   |          |  |                        |       |                |           |  |   |    
|Effect of dilutive securities-Incremental shares from assumed conversion of options               |  |          |      |                        | 300,150   |                |   |          |  |                        |      |                | 260,421   |  |   |    
|                                                                                                  |  |          |       |                        |           |                |   |          |  |                        |       |                |           |  |   |    
|Diluted EPS:                                                                                      |  |          |       |                        |           |                |   |          |  |                        |       |                |           |  |   |    
|Net earnings available to common stockholders and assumed conversions                             |  | $        | 751   |                        | 2,516,351 |                | $ | .30      |  | $                      | 559   |                | 2,481,588 |  | $ | .23
|                                                                                                  |  |          |       |                        |           |                |   |          |  |                        |       |                |           |  |   |    
|Nine Months Ended September 30:                                                                   |  |          |       |                        |           |                |   |          |  |                        |       |                |           |  |   |    
|Basic EPS:                                                                                        |  |          |       |                        |           |                |   |          |  |                        |       |                |           |  |   |    
|Net earnings available to common stockholders                                                     |  | $        | 2,010 |                        | 2,219,486 |                | $ | .91      |  | $                      | 1,506 |                | 2,149,269 |  | $ | .70
|                                                                                                  |  |          |       |                        |           |                |   |          |  |                        |       |                |           |  |   |    
|Effect of dilutive securities- Incremental shares from assumed conversion of options and warrants |  |          |      |                        | 298,960   |                |   |          |  |                        |      |                | 243,247   |  |   |    
|                                                                                                  |  |          |       |                        |           |                |   |          |  |                        |       |                |           |  |   |    
|Diluted EPS:                                                                                      |  |          |       |                        |           |                |   |          |  |                        |       |                |           |  |   |    
|Net earnings available to common stockholders and assumed conversions                             |  | $        | 2,010 |                        | 2,518,446 |                | $ | .80      |  | $                      | 1,506 |                | 2,392,516 |  | $ | .63
|                                                                                                  |  |          |       |                        |           |                |   |          |  |                        |       |                |           |  |   |    



The following options
were excluded from the calculation of EPS due to the exercise price being above the average market price:



|                                                        |  |                   |  |               |       |        |          
|------------------------------------------------------- |  | ----------------- |  | ------------- | ----- | ------ | ---------
|                                                        |  | NumberOutstanding |  | ExercisePrice |       | Expire
|For the three and nine months ended September 30, 2004: |  |                   |  |               |       |        |          
|Options                                                 |  | 15,750            |  | $             | 21.31 |        | 2010-2014



(continued)



8



---

FIRST COMMUNITY BANK CORPORATION OF AMERICA AND SUBSIDIARIES



Notes to Condensed Consolidated Financial Statements (Unaudited), Continued



|4. | Stock Option Plans. The Company has stock option plans for directors and employees of the Company. Under the plans, the total number of options which may be granted to
purchase common stock is 393,750 (amended) for directors and 328,125 (amended) for employees. At September 30, 2005, no options remain available for grant under the directors plan and 70,781 options remain available for grant under the
employees plan. The directors options vest immediately and have a life of five years. The employees options vest over a range from grant date to eight years and expire six years after vesting is complete, however no employee option
exceeds 10 years. All options and share prices have been adjusted to reflect the 5% stock dividend paid in March 2005 (dollars in thousands, except per share amounts).
|-- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



|                                          |  |                 |   |  |                               |  |                               |  |                      |  
|----------------------------------------- |  | --------------- | - |  | ----------------------------- |  | ----------------------------- |  | -------------------- | -
|                                          |  | Number ofShares |   |  | Range ofPer ShareOption Price |  | WeightedAveragePer SharePrice |  | AggregateOptionPrice |  
|Options outstanding at December 31, 2004  |  | 605,810         |   |  | $ 7.62-21.31                  |  | 8.99                          |  | 5,446                |  
|Options granted                           |  | 36,936          |   |  | 24.00-27.61                   |  | 25.15                         |  | 929                  |  
|Options exercised                         |  | (6,563          | ) |  | 7.62                          |  | 7.62                          |  | (50                  | )
|Options forfeited                         |  | (10,500         | ) |  | 27.61                         |  | 27.61                         |  | (290                 | )
|                                          |  |                 |   |  |                               |  |                               |  |                      |  
|Options outstanding at September 30, 2005 |  | 625,683         |   |  | $ 7.62-27.61                  |  | 9.65                          |  | 6,035                |  
|                                          |  |                 |   |  |                               |  |                               |  |                      |  



Statement of Financial
Accounting Standards (SFAS) No. 123, Accounting for Stock-Based Compensation, as amended by SFAS 148, Accounting for Stock-Based Compensation Transition and Disclosure (collectively SFAS No. 123) encourages all
entities to adopt a fair value based method of accounting for employee stock compensation plans, whereby compensation cost is measured at the grant date based on the value of the award and is recognized over the service period, which is usually the
vesting period. However, it also allows an entity to continue to measure compensation cost for those plans using the intrinsic value based method of accounting prescribed by Accounting Principles Board Opinion No. 25, Accounting for Stock
Issued to Employees (APB No. 25), whereby compensation cost is the excess, if any, of the quoted market price of the stock at the grant date (or other measurement date) over the amount an employee must pay to acquire the stock.



(continued)



9



---

FIRST COMMUNITY BANK CORPORATION OF AMERICA AND SUBSIDIARIES



Notes to Condensed Consolidated Financial Statements (Unaudited), Continued



|4. | Stock Option Plans, Continued. The Company accounts for their stock option plans under the recognition and measurement principles of APB No. 25. No stock-based
employee compensation cost is reflected in net earnings, as all options granted under those plans had an exercise price equal to the market value of the underlying common stock on the date of grant. The following table illustrates the effect on net
earnings and earnings per share if the Company had applied the fair value recognition provisions of SFAS No. 123 to stock-based employee compensation. All per share information has been restated to reflect the 5% stock dividend paid in March,
2005 (in thousands, except per share amounts).
|-- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



|                                                                                                                                       |  |                                 |      |   |                                |      |   |      |       |   |      |       |  
|-------------------------------------------------------------------------------------------------------------------------------------- |  | ------------------------------- | ---- | - | ------------------------------ | ---- | - | ---- | ----- | - | ---- | ----- | -
|                                                                                                                                       |  | Three Months EndedSeptember 30, |      |   | Nine Months EndedSeptember 30, |     
|                                                                                                                                       |  | 2005                            |      |   | 2004                           |      |   | 2005 |       |   | 2004 |      
|Net earnings, as reported                                                                                                              |  | $                               | 751  |   |                                | 559  |   |      | 2,010 |   |      | 1,506 |  
|Deduct: Total stock-based employee compensation determined under the fair value based method for all awards, net of related tax
effect |  |                                 | (16  | ) |                                | (30  | ) |      | (108  | ) |      | (89   | )
|                                                                                                                                       |  |                                 |      |   |                                |      |   |      |       |   |      |       |  
|Proforma net earnings                                                                                                                  |  | $                               | 735  |   |                                | 529  |   |      | 1,902 |   |      | 1,417 |  
|                                                                                                                                       |  |                                 |      |   |                                |      |   |      |       |   |      |       |  
|Earnings per share:                                                                                                                    |  |                                 |      |   |                                |      |   |      |       |   |      |       |  
|Basic, as reported                                                                                                                     |  | $                               | 0.34 |   |                                | 0.25 |   |      | 0.91  |   |      | 0.70  |  
|                                                                                                                                       |  |                                 |      |   |                                |      |   |      |       |   |      |       |  
|Basic, proforma                                                                                                                        |  | $                               | 0.33 |   |                                | 0.24 |   |      | 0.86  |   |      | 0.66  |  
|                                                                                                                                       |  |                                 |      |   |                                |      |   |      |       |   |      |       |  
|Diluted, as reported                                                                                                                   |  | $                               | 0.30 |   |                                | 0.23 |   |      | 0.80  |   |      | 0.63  |  
|                                                                                                                                       |  |                                 |      |   |                                |      |   |      |       |   |      |       |  
|Diluted, proforma                                                                                                                      |  | $                               | 0.29 |   |                                | 0.21 |   |      | 0.75  |   |      | 0.59  |  
|                                                                                                                                       |  |                                 |      |   |                                |      |   |      |       |   |      |       |  



The fair value of each
option grant is estimated on the date of grant using the Black-Scholes option-pricing model with the following assumptions, there were no options granted during the three months ended September 30, 2005 and 2004:



|                                                              |  |                                |      |   |      |      |  
|------------------------------------------------------------- |  | ------------------------------ | ---- | - | ---- | ---- | -
|                                                              |  | Nine Months EndedSeptember 30, |     
|                                                              |  | 2005                           |      |   | 2004 |     
|Risk-free interest rate                                       |  |                                | 4.05 | % |      | 4.93 | %
|Dividend yield                                                |  |                                |     |   |      |     |  
|Expected volatility                                           |  |                                | 10   | % |      | 9.27 | %
|Expected life in years                                        |  |                                | 4    |   |      | 10   |  
|                                                              |  |                               
|Grant-date fair value of each option issued during the period |  | $                              | 4.03 |   |      | 8.25 |  
|                                                              |  |                                |      |   |      |      |  



|5. | Regulatory Capital. The Bank is required to maintain certain minimum regulatory capital requirements. At September 30, 2005, the Bank was in compliance with its
regulatory capital requirements.
|-- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



10



---

FIRST COMMUNITY BANK CORPORATION OF AMERICA AND SUBSIDIARIES



Review by Independent Registered Public Accounting Firm



Hacker, Johnson & Smith PA, the Companys independent registered public accounting firm, have made a limited review of the financial data as of September 30, 2005, and for the three- and nine- month
periods ended September 30, 2005 and 2004 presented in this document, in accordance with standards established by the Public Company Accounting Oversight Board.



Their report furnished pursuant to Article 10 of Regulation S-X is included herein.



11



---

Report of Independent Registered Public Accounting Firm



First Community Bank Corporation of America

Pinellas Park, Florida:



We have reviewed the accompanying interim condensed consolidated balance sheet of First Community Bank Corporation of
America and Subsidiaries (the Company) as of September 30, 2005, the related interim condensed consolidated statements of earnings for the three- and nine- month periods ended September 30, 2005 and 2004 and the related interim
condensed consolidated statements of changes in stockholders equity and cash flows for the nine-month periods ended September 30, 2005 and 2004. These interim financial statements are the responsibility of the Companys management.



We conducted our reviews in accordance with the standards of
the Public Company Accounting Oversight Board (United States). A review of interim financial information consists principally of applying analytical procedures and making inquiries of persons responsible for financial and accounting matters. It is
substantially less in scope than an audit conducted in accordance with the standards of the Public Company Accounting Oversight Board, the objective of which is the expression of an opinion regarding the financial statements taken as a
whole. Accordingly, we do not express such an opinion.



Based on our reviews, we are not aware of any material modifications that should be made to the accompanying interim condensed consolidated financial statements for them to be in conformity with U.S. generally accepted accounting
principles.



We have previously audited, in accordance with the
standards of the Public Company Accounting Oversight Board, the consolidated balance sheet of the Company as of December 31, 2004, and the related consolidated statements of earnings, changes in stockholders equity and cash flows for the
year then ended (not presented herein); and in our report dated March 14, 2005, we expressed an unqualified opinion on those consolidated financial statements. In our opinion, the information set forth in the accompanying condensed
consolidated balance sheet as of December 31, 2004, is fairly stated, in all material respects, in relation to the consolidated balance sheet from which it has been derived.



|                               
|-------------------------------
|/s/ Hacker, Johnson & Smith, PA
|                               
|HACKER, JOHNSON & SMITH PA     
|Tampa, Florida                 
|October 17, 2005               



12



---

FIRST COMMUNITY BANK CORPORATION OF AMERICA AND SUBSIDIARIES



Item 2. Managements Discussion and Analysis

or Plan of Operation



Forward Looking Statements



This document contains forward-looking statements as defined by
Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. These forward-looking statements involve substantial risks and uncertainties. When used in this document, or in the documents incorporated by
reference, the words anticipate, believe, estimate, may, intend and expect and similar expressions are some of the forward-looking statements used in these documents. Actual
results, performance, or achievements could differ materially from those contemplated, expressed or implied by the forward-looking statements. Factors which may cause results to change materially include competition, inflation, general economic
conditions, changes in interest rates, and changes in the value of collateral securing loans First Community Bank Corporation of America has made, among other things.



General



First Community Bank Corporation of America (the Holding Company) owns all of the outstanding common stock of First Community Bank of America
(the Bank) and First Community Lender Services, Inc. (FCLS) (collectively, the Company). The Holding Companys primary business activity is the operations of the Bank. The Bank is a federally-chartered stock
savings bank that provides a variety of banking services to small and middle market businesses and individuals through its five banking offices, three of which are located in Pinellas County and two banking offices are located in Charlotte and
Hillsborough Counties, Florida. FCLS had minimal activity during the nine months ended September 30, 2005 and 2004.



Liquidity and Capital Resources



The Companys primary source of cash during the nine months ended September 30, 2005, was from net deposit inflows of approximately $47.6
million, principle repayments and calls of securities of approximately $11.8 million and net cash provided by operating activities of approximately $5.4 million. Cash was used primarily to originate net loans of approximately $46.1 million, to
purchase securities of approximately $11.8 million and to purchase premises and equipment of $2.9 million. At September 30, 2005, the Bank exceeded its regulatory liquidity requirements.



Off-Balance Sheet Arrangements



The Company is a party to financial instruments with off-balance-sheet risk
in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit, unused lines of credit and standby letters of credit. These instruments involve, to varying degrees,
elements of credit and interest-rate risk in excess of the amounts recognized in the condensed consolidated balance sheet. The contract amounts of these instruments reflect the extent of the Companys involvement in particular classes of
financial instruments.



13



---

FIRST COMMUNITY BANK CORPORATION OF AMERICA AND SUBSIDIARIES



The Companys exposure to credit loss in the event of nonperformance by
the other party to the financial instrument for commitments to extend credit, unused lines of credit and standby letters of credit is represented by the contractual amount of those instruments. The Company uses the same credit policies in making
commitments as it does for on-balance-sheet instruments.



Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require
payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total committed amounts do not necessarily represent future cash requirements. The Company evaluates each customers credit worthiness on a
case-by-case basis. The amount of collateral obtained, if it is deemed necessary by the Company upon extension of credit, is based on managements credit evaluation of the counter party.



Standby letters of credit are conditional lending commitments issued by the
Company to guarantee the performance of a customer to a third party and to support public and private borrowing arrangements. Essentially all letters of credit issued have expiration dates within one year. The credit risk involved in issuing
letters-of-credit is essentially the same as that involved in extending loan facilities to customers. The Company generally holds collateral supporting these commitments.



Unused lines of credit and commitments to extend credit typically result in loans with a market interest rate.



A summary of the amounts of the Companys financial instruments,
with off-balance sheet risk at September 30, 2005, follows (in thousands):



|                             |  |                |       
|---------------------------- |  | -------------- | ------
|                             |  | ContractAmount
|Commitments to extend credit |  | $              | 24,387
|                             |  |                |       
|Unused lines of credit       |  | $              | 27,931
|                             |  |                |       
|Standby letters of credit    |  | $              | 808   
|                             |  |                |       



Management believes
that the Company has adequate resources to fund all of its commitments and that substantially all its existing commitments will be funded within the next twelve months.



14



---

FIRST COMMUNITY BANK CORPORATION OF AMERICA AND SUBSIDIARIES



Selected Financial Information



The following rates are presented for the dates and periods indicated:



|                                                                     |  |                                |   |  |                        |   |  |                                |  
|-------------------------------------------------------------------- |  | ------------------------------ | - |  | ---------------------- | - |  | ------------------------------ | -
|                                                                     |  | Nine Months EndedSeptember 30, |   |  | Year EndedDecember 31, |   |  | Nine Months EndedSeptember 30, |  
|                                                                     |  | 2005                           |   |  | 2004                   |   |  | 2004                           |  
|Average equity as a percentage of average assets                     |  | 9.11                           | % |  | 10.32                  | % |  | 10.50                          | %
|Equity to total assets at end of period                              |  | 8.51                           | % |  | 9.77                   | % |  | 10.24                          | %
|Return on average assets (1)                                         |  | .99                            | % |  | .94                    | % |  | .97                            | %
|Return on average equity (1)                                         |  | 10.91                          | % |  | 9.15                   | % |  | 9.26                           | %
|Noninterest expenses to average assets (1)                           |  | 2.81                           | % |  | 2.62                   | % |  | 2.61                           | %
|Nonperforming loans as a percentage of total assets at end of period |  | .01                            | % |  | .04                    | % |  | .06                            | %

---

|(1) | Annualized for the nine months ended September 30.
|--- | --------------------------------------------------



15



---

FIRST COMMUNITY BANK CORPORATION OF AMERICA AND SUBSIDIARIES



Results of Operations



The following table sets forth, for the periods indicated, information regarding (i) the total dollar amount of interest and dividend
income of the Company from interest-earning assets and the resultant average yields; (ii) the total dollar amount of interest expense on interest-bearing liabilities and the resultant average cost; (iii) net interest income;
(iv) interest-rate spread; and (v) net interest margin.



|                                                                                 |  |                                  |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|-------------------------------------------------------------------------------- |  | -------------------------------- | ------- | -------------------- | ---- | ----------------- |  | ---- | -------------- |  | -------------------- | ------- | ----------------- | - | ----- |  | ---- | -
|                                                                                 |  | Three Months Ended September 30, |        
|                                                                                 |  | 2005                             |         |                      | 2004 |                  
|                                                                                 |  | AverageBalance                   |         | InterestandDividends |      | AverageYield/Rate |  |      | AverageBalance |  | InterestandDividends |         | AverageYield/Rate |  
|                                                                                 |  | (Dollars in thousands)           |        
|Interest-earning assets:                                                         |  |                                  |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Loans (1)                                                                        |  | $                                | 239,165 |                      |      | 4,198             |  | 7.02 | %              |  | $                    | 183,624 |                   |   | 2,848 |  | 6.20 | %
|Securities                                                                       |  |                                  | 19,412  |                      |      | 142               |  | 2.93 |                |  |                      | 14,573  |                   |   | 79    |  | 2.17 |  
|Other interest-earning assets (2)                                                |  |                                  | 10,132  |                      |      | 41                |  | 1.62 |                |  |                      | 7,355   |                   |   | 17    |  | .92  |  
|                                                                                 |  |                                  |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Total interest-earning assets                                                    |  |                                  | 268,709 |                      |      | 4,381             |  | 6.52 |                |  |                      | 205,552 |                   |   | 2,944 |  | 5.73 |  
|                                                                                 |  |                                  |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Noninterest-earning assets                                                       |  |                                  | 17,775  |                      |      |                   |  |      |                |  |                      | 11,767  |                   |   |       |  |      |  
|                                                                                 |  |                                  |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Total assets                                                                     |  | $                                | 286,484 |                      |      |                   |  |      |                |  | $                    | 217,319 |                   |   |       |  |      |  
|                                                                                 |  |                                  |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Interest-bearing liabilities:                                                    |  |                                  |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Savings, NOW, money-market deposit accounts                                      |  |                                  | 92,655  |                      |      | 337               |  | 1.46 |                |  |                      | 62,034  |                   |   | 184   |  | 1.19 |  
|Time deposits                                                                    |  |                                  | 101,603 |                      |      | 788               |  | 3.10 |                |  |                      | 88,326  |                   |   | 518   |  | 2.35 |  
|                                                                                 |  |                                  |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Total interest-bearing deposits                                                  |  |                                  | 194,258 |                      |      | 1,125             |  | 2.32 |                |  |                      | 150,360 |                   |   | 702   |  | 1.87 |  
|Other interest-bearing liabilities (3)                                           |  |                                  | 17,367  |                      |      | 148               |  | 3.41 |                |  |                      | 15,192  |                   |   | 117   |  | 3.08 |  
|                                                                                 |  |                                  |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Total interest-bearing liabilities                                               |  |                                  | 211,625 |                      |      | 1,273             |  | 2.41 |                |  |                      | 165,552 |                   |   | 819   |  | 1.98 |  
|                                                                                 |  |                                  |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Noninterest-bearing liabilities                                                  |  |                                  | 49,707  |                      |      |                   |  |      |                |  |                      | 28,864  |                   |   |       |  |      |  
|Stockholders equity                                                             |  |                                  | 25,152  |                      |      |                   |  |      |                |  |                      | 22,903  |                   |   |       |  |      |  
|                                                                                 |  |                                  |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Total liabilities and stockholders equity                                       |  | $                                | 286,484 |                      |      |                   |  |      |                |  | $                    | 217,319 |                   |   |       |  |      |  
|                                                                                 |  |                                  |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Net interest income                                                              |  |                                  |         |                      | $    | 3,108             |  |      |                |  |                      |         |                   | $ | 2,125 |  |      |  
|                                                                                 |  |                                  |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Interest-rate spread (4)                                                         |  |                                  |         |                      |      |                   |  | 4.11 | %              |  |                      |         |                   |   |       |  | 3.75 | %
|                                                                                 |  |                                  |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Net interest margin (5)                                                          |  |                                  |         |                      |      |                   |  | 4.63 | %              |  |                      |         |                   |   |       |  | 4.14 | %
|                                                                                 |  |                                  |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Ratio of average interest-earning assets to average interest-bearing liabilities |  |                                  | 1.27    |                      |      |                   |  |      |                |  |                      | 1.24    |                   |   |       |  |      |  
|                                                                                 |  |                                  |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  

---

|(1) | Includes non-performing loans.
|--- | ------------------------------

|(2) | Includes Federal Home Loan Bank stock and interest-bearing deposits with banks.
|--- | -------------------------------------------------------------------------------

|(3) | Includes Federal Home Loan Bank advances and other borrowings.
|--- | --------------------------------------------------------------

|(4) | Interest-rate spread represents the difference between the average yield on interest-earning assets and the average rate of interest-bearing liabilities.
|--- | ---------------------------------------------------------------------------------------------------------------------------------------------------------

|(5) | Net interest margin is net interest income divided by average interest-earning assets.
|--- | --------------------------------------------------------------------------------------



16



---

FIRST COMMUNITY BANK CORPORATION OF AMERICA AND SUBSIDIARIES



The following table sets forth, for the periods indicated, information regarding (i) the
total dollar amount of interest and dividend income of the Company from interest-earning assets and the resultant average yields; (ii) the total dollar amount of interest expense on interest-bearing liabilities and the resultant average cost;
(iii) net interest income; (iv) interest-rate spread; and (v) net interest margin.



|                                                                                 |  |                                 |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|-------------------------------------------------------------------------------- |  | ------------------------------- | ------- | -------------------- | ---- | ----------------- |  | ---- | -------------- |  | -------------------- | ------- | ----------------- | - | ----- |  | ---- | -
|                                                                                 |  | Nine Months Ended September 30, |        
|                                                                                 |  | 2005                            |         |                      | 2004 |                  
|                                                                                 |  | AverageBalance                  |         | InterestandDividends |      | AverageYield/Rate |  |      | AverageBalance |  | InterestandDividends |         | AverageYield/Rate |  
|                                                                                 |  | (Dollars in thousands)          |        
|Interest-earning assets:                                                         |  |                                 |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Loans (1)                                                                        |  | $                               | 225,659 |                      |      | 11,401            |  | 6.74 | %              |  | $                    | 174,142 |                   |   | 8,046 |  | 6.16 | %
|Securities                                                                       |  |                                 | 16,551  |                      |      | 335               |  | 2.70 |                |  |                      | 11,509  |                   |   | 189   |  | 2.19 |  
|Other interest-earning assets (2)                                                |  |                                 | 10,922  |                      |      | 130               |  | 1.59 |                |  |                      | 9,397   |                   |   | 60    |  | 0.85 |  
|                                                                                 |  |                                 |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Total interest-earning assets                                                    |  |                                 | 253,132 |                      |      | 11,866            |  | 6.25 |                |  |                      | 195,048 |                   |   | 8,295 |  | 5.67 |  
|                                                                                 |  |                                 |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Noninterest-earning assets                                                       |  |                                 | 16,532  |                      |      |                   |  |      |                |  |                      | 11,521  |                   |   |       |  |      |  
|                                                                                 |  |                                 |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Total assets                                                                     |  | $                               | 269,664 |                      |      |                   |  |      |                |  | $                    | 206,569 |                   |   |       |  |      |  
|                                                                                 |  |                                 |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Interest-bearing liabilities:                                                    |  |                                 |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Savings, NOW, money-market deposit accounts                                      |  |                                 | 86,754  |                      |      | 745               |  | 1.15 |                |  |                      | 59,409  |                   |   | 384   |  | 0.86 |  
|Time deposits                                                                    |  |                                 | 99,282  |                      |      | 2,159             |  | 2.90 |                |  |                      | 83,505  |                   |   | 1,577 |  | 2.52 |  
|                                                                                 |  |                                 |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Total interest-bearing deposits                                                  |  |                                 | 186,036 |                      |      | 2,904             |  | 2.08 |                |  |                      | 142,914 |                   |   | 1,961 |  | 1.83 |  
|Other interest-bearing liabilities (3)                                           |  |                                 | 15,591  |                      |      | 386               |  | 3.30 |                |  |                      | 16,256  |                   |   | 370   |  | 3.03 |  
|                                                                                 |  |                                 |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Total interest-bearing liabilities                                               |  |                                 | 201,627 |                      |      | 3,290             |  | 2.18 |                |  |                      | 159,170 |                   |   | 2,331 |  | 1.95 |  
|                                                                                 |  |                                 |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Noninterest-bearing liabilities                                                  |  |                                 | 43,464  |                      |      |                   |  |      |                |  |                      | 25,708  |                   |   |       |  |      |  
|Stockholders equity                                                             |  |                                 | 24,573  |                      |      |                   |  |      |                |  |                      | 21,691  |                   |   |       |  |      |  
|                                                                                 |  |                                 |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Total liabilities and stockholders equity                                       |  | $                               | 269,664 |                      |      |                   |  |      |                |  | $                    | 206,569 |                   |   |       |  |      |  
|                                                                                 |  |                                 |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Net interest income                                                              |  |                                 |         |                      | $    | 8,576             |  |      |                |  |                      |         |                   | $ | 5,964 |  |      |  
|                                                                                 |  |                                 |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Interest-rate spread (4)                                                         |  |                                 |         |                      |      |                   |  | 4.07 | %              |  |                      |         |                   |   |       |  | 3.72 | %
|                                                                                 |  |                                 |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Net interest margin (5)                                                          |  |                                 |         |                      |      |                   |  | 4.52 | %              |  |                      |         |                   |   |       |  | 4.08 | %
|                                                                                 |  |                                 |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  
|Ratio of average interest-earning assets to average interest-bearing liabilities |  |                                 | 1.26    |                      |      |                   |  |      |                |  |                      | 1.23    |                   |   |       |  |      |  
|                                                                                 |  |                                 |         |                      |      |                   |  |      |                |  |                      |         |                   |   |       |  |      |  

---

|(1) | Includes non-performing loans.
|--- | ------------------------------

|(2) | Includes Federal Home Loan Bank stock and interest-bearing deposits with banks.
|--- | -------------------------------------------------------------------------------

|(3) | Includes Federal Home Loan Bank advances and other borrowings.
|--- | --------------------------------------------------------------

|(4) | Interest-rate spread represents the difference between the average yield on interest-earning assets and the average rate of interest-bearing liabilities.
|--- | ---------------------------------------------------------------------------------------------------------------------------------------------------------

|(5) | Net interest margin is net interest income divided by average interest-earning assets.
|--- | --------------------------------------------------------------------------------------



17



---

FIRST COMMUNITY BANK CORPORATION OF AMERICA AND SUBSIDIARIES



Comparison of the Three-Month Periods Ended September 30, 2005 and
2004



General. Our net earnings for the three
months ended September 30, 2005, increased to $751,000 or $.34 earnings per basic share and $.30 earnings per diluted share compared to $559,000 or $0.25 earnings per basic share and $.23 earnings per diluted share for the three months ended
September 30, 2004. Net earnings increased due to an increase in net interest income, which was partially offset by a increase in noninterest expenses and income taxes.



Net Interest Income. Interest income increased to $4.4 million during the three months ended
September 30, 2005, from $2.9 million in 2004. Interest on loans for the three months ended September 30, 2005 increased to $4.2 million from $2.8 million for the three months ended September 30, 2004. The increase in interest on
loans was primarily due to an increase in the average balance of loans to $239.2 million, during the three months ended September 30, 2005 compared to $183.6 million, during the three months ended September 30, 2004. This increase was also
due to an increase in the average yield earned to 7.02% for the three months ended September 30, 2005 from 6.20% for the three months ended September 30, 2004. Interest on securities increased to $142,000 during the three months ended
September 30, 2005 from $79,000 for the three months ended September 30, 2004. The increase in interest income on securities was due to a increase in the average balance of securities from $14.6 million in 2004 to $19.4 million in 2005 and
an increase in the average yield earned from 2.17% in 2004 to 2.93% in 2005.



Interest expense on interest bearing deposit accounts increased to $1.1 million during the three months ended September 30, 2005, compared to $702,000 during the three months ended September 30, 2004. The
increase was due to an increase in the average balance of interest bearing deposits to $194.3 million in 2005 from $150.4 million in 2004 and an increase in the average rate paid from 1.87% in 2004 to 2.32% in 2005. Interest expense on other
borrowings increased to $148,000 during the three months ended September 30, 2005, compared to $117,000 during the three months ended September 30, 2005. The increase was due to an increase in the average balance of other borrowings to
$17.4 million in 2004 from $15.2 million in 2004, and an increase in the average rate paid on other borrowings to 3.41% during the three months ended September 30, 2005 compared to 3.08% during the three months ended September 30, 2004.



18



---

FIRST COMMUNITY BANK CORPORATION OF AMERICA AND SUBSIDIARIES



Comparison of the Three-Month Periods Ended September 30, 2005 and
2004



Provision for Loan Losses.Calculating
the allowance for loan losses is divided into two primary allocation groups: (1) specific allocation loans and (2) all other passing grade loans. For specific allocation loans, the Company has determined an allowance amount to set aside
which it believes is sufficient to cover any potential collateral shortfall. Problem loans are identified by the loan officer, loan review, loan committee or by the examiners. Those loans identified as problem loans are assigned a risk grade. Loans
graded special mention are multiplied by an inherent loss factor of 3%-5% to determine the amount to be included in the allowance. Loans graded substandard are generally multiplied by a loss factor of 5%-15%, loans graded doubtful are generally
multiplied by a loss factor of 50% and loans graded loss are multiplied by a loss factor of 100%. In addition to the 5%-15% and 50% on substandard and doubtful loans, respectively, the loans are individually reviewed for any additional reserve that
may be necessary. All other loans, graded pass are multiplied by an historical experience factor to determine the appropriate level of the allowance for loan losses. In addition to historical experience factors, the Company also provides for losses
due to economic factors, concentration of credit risk and portfolio composition changes.



The provision for loan losses was $197,000 for the three months ended September 30, 2005 compared to $119,000 for the three months ended September 30, 2004. While continued economic weakness, rapidly rising
interest rates, or other factors could cause stress on the loan portfolio and affect the levels of nonperforming assets and charge-offs, management believes that the levels of nonperforming assets and the charge-off ratio are stable under the
current circumstances.



The allowance for loan losses is $3.2
million at September 30, 2005. While management believes that its allowance for loan losses is adequate as of September 30, 2005, future adjustments to the Companys allowance for loan losses may be necessary if economic conditions
differ substantially from the assumptions used in making the initial determination.



Noninterest Income. Noninterest income increased to $323,000 in 2005 from $257,000 for the three- months ended September 30, 2004 primarily due to an increase in gains recognized on the sale of
loans held for sale.



Noninterest Expense. Total
noninterest expense increased to $2.1 million for the three months ended September 30, 2005 from $1.4 million for the comparable period ended September 30, 2004, primarily due to an increase in employee compensation and benefits of
$501,000 due to the overall growth of the Company and the opening of a new banking office in the first quarter of 2005 and the hiring of personnel for another banking office to be opened during the fourth quarter of 2005.



Income Taxes. Income taxes for the three months ended
September 30, 2005, were $432,000 or 36.5% compared to $326,000 or 36.8% for the period ended September 30, 2004.



19



---

FIRST COMMUNITY BANK CORPORATION OF AMERICA AND SUBSIDIARIES



Comparison of the Nine-Month Periods Ended September 30, 2005 and 2004



General. Our net earnings for the nine
months ended September 30, 2005, increased to $2.0 million or $.91 earnings per basic share and $.80 earnings per diluted share compared to $1.5 million or $.70 earnings per basic share and $.63 earnings per diluted share for the nine months
ended September 30, 2004. Net earnings increased due to an increase in net interest income, which was partially offset by an increase in noninterest expenses and income taxes.



Net Interest Income. Interest income increased to $11.9 million during the nine months ended
September 30, 2005, from $8.3 million in 2004. Interest on loans for the nine months ended September 30, 2005 increased to $11.4 million from $8.0 million for the nine months ended September 30, 2004. The increase in interest on loans
was primarily due to an increase in the average balance of loans to $225.7 million, during the nine months ended September 30, 2005 compared to $174.1 million, during the nine months ended September 30, 2004. This increase was also due to
an increase in the average yield earned to 6.74% for the nine months ended September 30, 2005 from 6.16% for the nine months ended September 30, 2004. Interest on securities increased to $335,000 during the nine months ended
September 30, 2005 from $189,000 for the nine months ended September 30, 2004. The increase in interest income on securities was due to an increase in the average balance of securities from $11.5 million in 2004 to $16.5 million in 2005
and an increase in the average yield earned from 2.19% in 2004 to 2.70% in 2005.



Interest expense on interest bearing deposit accounts increased to $2.9 million during the nine months ended September 30, 2005, compared to $2.0 million during the nine months ended September 30, 2004. The
increase was due to an increase in the rate paid to 2.08% during the nine months ended September 30, 2005 from 1.83% during the nine months ended September 30, 2004, and an increase in the average balance of interest bearing deposits to
$186.1 million in 2005 from $142.9 million in 2004. Interest expense on other borrowings increased to $386,000 during the nine months ended September 30, 2005, compared to $370,000 during the nine months ended September 30, 2004. The
increase was due to an increase in the average rate paid on other borrowings to 3.30% during the nine months ended September 30, 2005 compared to 3.03% during the nine months ended September 30, 2004, partially offset by a decrease in the
average balance of other borrowings to $15.6 million in 2005 from $16.3 million in 2004.



20



---

FIRST COMMUNITY BANK CORPORATION OF AMERICA AND SUBSIDIARIES



Comparison of the Nine-Month Periods Ended September 30, 2005 and 2004



Provision for Loan Losses.Calculating the
allowance for loan losses is divided into two primary allocation groups: (1) specific allocation loans and (2) all other passing grade loans. For specific allocation loans, the Company has determined an allowance amount to set aside which
it believes is sufficient to cover any potential collateral shortfall. Problem loans are identified by the loan officer, loan review, loan committee or by the examiners. Those loans identified as problem loans are assigned a risk grade. Loans graded
special mention are multiplied by an inherent loss factor of 3%-5% to determine the amount to be included in the allowance. Loans graded substandard are generally multiplied by a loss factor of 5%-15%, loans graded doubtful are generally multiplied
by a loss factor of 50% and loans graded loss are multiplied by a loss factor of 100%. In addition to the 5%-15% and 50% on substandard and doubtful loans, respectively, the loans are individually reviewed for any additional reserve that may be
necessary. All other loans, graded pass are multiplied by an historical experience factor to determine the appropriate level of the allowance for loan losses. In addition to historical experience factors, the Company also provides for losses due to
economic factors, concentration of credit risk and portfolio composition changes.



The provision for loan losses was $557,000 for the nine months ended September 30, 2005 compared to $381,000 for the nine months ended September 30, 2004. While continued economic weakness, rapidly rising
interest rates, or other factors could cause stress on the loan portfolio and affect the levels of nonperforming assets and charge-offs, management believes that the levels of nonperforming assets and the charge-off ratio are stable under the
current circumstances.



The allowance for loan losses is $3.2
million at September 30, 2005. While management believes that its allowance for loan losses is adequate as of September 30, 2005, future adjustments to the Companys allowance for loan losses may be necessary if economic conditions
differ substantially from the assumptions used in making the initial determination.



Noninterest Income. Noninterest income increased to $848,000 in 2005 from $843,000 for the nine months ended September 30, 2004.



Noninterest Expense. Total noninterest expense increased to $5.7 million for the nine months ended
September 30, 2005 from $4.0 million for the comparable period ended September 30, 2004, primarily due to an increase in employee compensation and benefits of $1.1 million due to the overall growth of the Company and the opening of a new
banking office in the first quarter of 2005 and the hiring of personnel for another banking office to be opened during the fourth quarter of 2005.



Income Taxes. Income taxes for the nine months ended September 30, 2005, were $1.2 million or 37.0% compared to $874,000 or 36.7% for
the period ended September 30, 2004.



21



---

FIRST COMMUNITY BANK CORPORATION OF AMERICA AND SUBSIDIARIES



Item 3. Controls and Procedures



|a. | Evaluation of disclosure controls and procedures. The Company maintains controls and procedures designed to ensure that information required to be disclosed in the reports
that the Company files or submits under the Securities Exchange Act of 1934 is recorded, processed, summarized and reported within the time periods specified in the rules and forms of the Securities and Exchange Commission. Based upon their
evaluation of those controls and procedures performed within 90 days of the filing date of this report, the Chief Executive and Chief Financial officers of the Company concluded that the Companys disclosure controls and procedures were
adequate.
|-- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



|b. | Changes in internal controls. The Company made no significant changes in its internal controls or in other factors that could significantly affect these controls subsequent
to the date of the evaluation of those controls by the Chief Executive and Chief Financial officers.
|-- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



PART II. OTHER INFORMATION



Item 1. Legal Proceedings



There are no
material pending legal proceeding to which First Community Bank Corporation of America and Subsidiaries, is a party or to which any of their property is subject.



22



---

FIRST COMMUNITY BANK CORPORATION OF AMERICA AND SUBSIDIARIES



PART II. OTHER INFORMATION, CONTINUED



Item 6. Exhibits



Exhibits. The
following exhibits were filed with the Securities and Exchange Commission.



|            |  |                        |  |                                                                                                                                              
|----------- |  | ---------------------- |  | ---------------------------------------------------------------------------------------------------------------------------------------------
|Exhibit No. |  | Description of Exhibit
|*           |  | 3.1                    |  | Amended and Restated Articles of Incorporation                                                                                               
|*           |  | 3.2                    |  | Bylaws                                                                                                                                       
|*           |  | 4.1                    |  | Specimen Common Stock Certificate                                                                                                            
|*           |  | 4.3                    |  | Warrant Certificate                                                                                                                          
|**          |  | 10.1                   |  | Employment Agreement of Kenneth P. Cherven dated June 16, 2002                                                                               
|*           |  | 10.2                   |  | First Amended and Restated Non-Employee Director Stock Option Plan                                                                           
|*           |  | 10.3                   |  | Long-Term Incentive Plan                                                                                                                     
|*           |  | 10.4                   |  | Incentive Compensation Plan                                                                                                                  
|***         |  | 10.5                   |  | Employment Agreement of Kenneth P. Cherven dated November 29, 2004                                                                           
|****        |  | 10.6                   |  | Deferred Compensation Plan of Kenneth P. Cherven dated January 1, 2005                                                                       
|            |  | 31.1                   |  | Certification of Chief Executive Officer required by Rule 13a-14(a)/15d-14(a) under the Exchange Act                                         
|            |  | 31.2                   |  | Certification of Chief Financial Officer required by Rule 13a-14(a)/15d-14(a) under the Exchange Act                                         
|            |  | 32.1                   |  | Certification of Chief Executive Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of Sarbanes-Oxley Act of 2002
|            |  | 32.2                   |  | Certification of Chief Financial Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of Sarbanes-Oxley Act of 2002
|**          |  | 99.5                   |  | Audit Committee Charter                                                                                                                      

---

|* | Exhibits marked with an asterisk were submitted with the Companys original filing of Form SB-2 on April 7, 2003.
|- | -----------------------------------------------------------------------------------------------------------------

|** | Exhibits marked with a double asterisk were submitted with the Companys filing of its Amendment One to Form SB-2 on May 8, 2003.
|-- | ---------------------------------------------------------------------------------------------------------------------------------

|*** | Exhibits marked with triple asterisk were submitted with the Companys filing of Form 10-QSB on May 13, 2005.
|--- | -------------------------------------------------------------------------------------------------------------

|**** | Exhibits marked with quadruple asterisk were submitted with the Companys filing of Form 10-QSB on August 12, 2005.
|---- | -------------------------------------------------------------------------------------------------------------------



23



---

FIRST COMMUNITY BANK CORPORATION OF AMERICA AND SUBSIDIARIES



SIGNATURES



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



|                       |  |                                             |  |                                                          
|---------------------- |  | ------------------------------------------- |  | ---------------------------------------------------------
|                       |  | FIRST COMMUNITY BANK CORPORATION OF AMERICA
|                       | 
|                       |  | (Registrant)                               
|                       |  |                                            
|Date: November 1, 2005 |  | By:                                         |  | /s/ Kenneth P. Cherven                                   
|                       |  |                                             |  | Kenneth P. Cherven, President and Chief Executive Officer
|                       |  |                                            
|Date: November 1, 2005 |  | By:                                         |  | /s/ John A. Stewart, Jr.                                 
|                       |  |                                             |  | John A. Stewart, Jr., Senior Vice President and          
|                       |  |                                             |  | Chief Financial Officer                                  



24