<PAGE>   1
                                                                       CONFORMED
                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                   FORM 10-KSB

              [ X ] ANNUAL REPORT UNDER SECTION 13 OR 15(D) OF THE
                         SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended December 31, 2000        Commission File No. 333-04113

                       COMMUNITY CENTRAL BANK CORPORATION
                 (Name of small business issuer in its charter)

<TABLE>
<S>                                                                      <C>
                   Michigan                                              38-3291744
(State or other jurisdiction of incorporation or organization)   (IRS Employer Identification No.)
</TABLE>


             100 N. Main Street, Mount Clemens, Michigan 48043-5605
             ------------------------------------------------------
              (Address of principal executive offices and zip code)

                                 (810) 783-4500
                           (Issuer's telephone number)

           Securities registered under Section 12(b) of the Act: None

           Securities registered under Section 12(g) of the Act: None

         Check whether the issuer (1) has 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
            -----            -----

         Check if disclosure of delinquent filers pursuant to Item 405 of
Regulation S-B is not contained in this form, and no disclosure will be
contained, to the best of the registrant's knowledge, in definitive proxy or
information statements incorporated by reference in Part III of this Form 10-KSB
or any amendment to this Form 10-KSB. [ X ]

         Issuer's revenue for its most recent fiscal year was $17,244,000

         As of March 22, 2001, 2,661,922 shares of Common Stock of the issuer
were outstanding. The aggregate market value of voting stock of the registrant
held by nonaffiliates was approximately $12.3 million as of March 22, 2001;
based on the average of the bid and asked prices ($6.06) on that date. (For
purposes of this calculation, 635,000 shares owned by the members of the
Corporation's Board of Directors and Executive Officers have been excluded.)

                      DOCUMENTS INCORPORATED BY REFERENCE:

         Part                      II Part of Stockholder Report of the issuer
                                   for the year ended December 31, 2000.

         Part                      III Part of the Proxy Statement of the issuer
                                   for its April 17, 2001 Annual Meeting.


Transitional Small Business Disclosure Format                 Yes      No   X
                                                                  ----    ----




<PAGE>   2

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-KSB (continued)

                                     PART I

ITEM 1.  DESCRIPTION OF BUSINESS

THE CORPORATION

         Community Central Bank Corporation (the "Corporation") is a bank
holding company under the Bank Holding Company Act of 1956, as amended (the
"Bank Holding Company Act"). As a bank holding company, the Corporation is
subject to regulation by the Federal Reserve Board. The Corporation was
organized on April 26, 1996, under the laws of the State of Michigan, and formed
Community Central Bank (the "Bank") effective September 16, 1996. The
Corporation exists primarily for the purpose of holding all the stock of the
Bank, and of such other subsidiaries as it may acquire or establish.

         The expenses of the Corporation have generally been paid using the
proceeds of its two public stock offerings. The Corporation's principal source
of future operating funds is expected to be dividends from the Bank.

THE BANK

         The Bank is a state banking corporation which operates under the laws
of the United States of America, pursuant to a charter issued by the State of
Michigan. The Bank's deposits are insured to the maximum extent allowed by the
Federal Deposit Insurance Corporation.

         The Bank, through its office at 100 North Main Street, Mount Clemens,
Michigan, provides a wide variety of commercial banking services to individuals,
businesses, governmental units, and other institutions. Its services include
accepting time, demand and savings deposits, including regular checking
accounts, NOW and money market accounts, and certificates of deposit. In
addition, the Bank makes secured and unsecured commercial, construction,
mortgage, and consumer loans, and provides safe deposit facilities. The Bank has
three automated teller machines ("ATM") which participate in the Magic Line
system, a regional network, as well as other ATM networks throughout the
country. In addition to the foregoing services, the Bank provides its customers
with extended banking hours and a system to perform certain transactions by
telephone or personal computer. In 1999, the Corporation opened a Loan Center in
Port Huron, Michigan, serving small to medium-sized business accounts in the St.
Clair County area.

EFFECT OF GOVERNMENT MONETARY POLICIES

         The earnings of the Corporation are affected by domestic economic
conditions and the monetary and fiscal policies of the United States Government,
its agencies, and the Federal Reserve Board. The Federal Reserve Board's
monetary policies have had, and will likely continue to have, an important
impact on the operating results of commercial banks through its power to
implement national monetary policy. Monetary policy is used to, among other
things, attempt to curb inflation or combat a recession. The policies of the
Federal Reserve Board have a major effect upon the levels of bank loans,
investments and deposits through its open market operations in United States
Government securities, and through its regulation of, among other things, the
discount rate on borrowings of member banks and the reserve requirements against
member bank deposits. It is not possible to predict the nature and impact of
future changes in monetary and fiscal policies.





                                       2
<PAGE>   3
COMMUNITY CENTRAL BANK CORPORATION
FORM 10-KSB (continued)



REGULATION AND SUPERVISION

         The Corporation, as a bank holding company under the Bank Holding
Company Act, is required to file an annual report with the Federal Reserve
Board. It may be required to file additional information as the Federal Reserve
Board may require, pursuant to the Bank Holding Company Act, and is subject to
examination by the Federal Reserve Board.

         The Bank Holding Company Act limits the activities which may be engaged
in by the Corporation and its subsidiary to those of banking and the management
of banking organizations, and to certain non-banking activities, including those
activities which the Federal Reserve Board may find, by order or regulation, to
be closely related to banking or managing or controlling banks. The Federal
Reserve Board is empowered to differentiate between activities by a bank holding
company, or a subsidiary, and activities commenced by acquisition of a going
concern.

         With respect to non-banking activities, the Federal Reserve Board has,
by regulation, determined that certain non-banking activities are closely
related to banking within the meaning of the Bank Holding Company Act. These
activities include, among other things, operating a mortgage company, finance
company, credit card company or factoring company, performing certain data
processing operations, providing certain investment and financial advice, acting
as an insurance agent for certain types of credit related insurance, leasing
property on a full-payout, nonoperating basis; and, subject to certain
limitations, providing discount securities brokerage services for customers. The
Corporation has no current plans to engage in non-banking activities.

         The Bank is subject to certain restrictions imposed by federal law on
any extension of credit to the Corporation for investments in stock or other
securities, and on the taking of such stock or securities as collateral for
loans to any borrower. Federal law prevents the Corporation from borrowing from
the Bank unless the loans are secured in designated amounts.

         With respect to the acquisition of banking organizations, the
Corporation is required to obtain the prior approval of the Federal Reserve
Board before it can acquire all or substantially all of the assets of any bank,
or acquire ownership or control of any voting shares of any bank, if, after such
acquisition, it will own or control more than 5% of the voting shares of such
bank. Acquisitions across state lines are subject to certain state and Federal
Reserve Board restrictions.

EMPLOYEES

         As of December 31, 2000, the Corporation and the Bank employed 43
persons (full time equivalent).




                                       3
<PAGE>   4
COMMUNITY CENTRAL BANK CORPORATION
FORM 10-KSB (continued)



INVESTMENTS

         The principal investment of the Corporation is its investment in the
common stock of the Bank. Funds retained by the Corporation are generally
invested in interest bearing accounts with the Bank. From time to time funds may
be invested in various debt instruments. Such instruments include (but are not
limited to) obligations of or guaranteed by the United States, general
obligations of a state or political subdivision or agency thereof, bankers'
acceptances or certificates of deposit of United States commercial banks, or
commercial paper of United States issuers rated in the highest category by a
nationally-recognized investment rating service. The Corporation is permitted to
make limited portfolio investments in equity securities and to make equity
investments in subsidiary corporations engaged in certain non-banking
activities. These activities may include mortgage banking, community
development, real estate appraisals, arranging equity financing for commercial
real estate and owning and operating real estate used substantially by the Bank
or acquired for its future use. The Corporation has no present plans to make any
such equity investments.

         The Bank may invest its funds in a wide variety of debt instruments and
may participate in the federal funds market with other depository institutions.
Subject to certain exceptions, the Bank is prohibited from investing in equity
securities. Under one such exception, in certain circumstances (and with the
prior approval of the FDIC) the Bank could invest up to 10% of its total assets
in the equity securities of a subsidiary corporation engaged in certain real
estate related activities. The Bank has no present plans to make such an
investment. Real estate acquired by the Bank in satisfaction of or foreclosure
upon loans may be held by the Bank, subject to approval by the Bank's Board of
Directors, for a period not exceeding 60 months after the date of acquisition,
or such longer period as the Division of Financial Instititions of the State of
Michigan's Department of Consumer and Industry Services may approve. The Bank is
also permitted to invest an aggregate amount not in excess of two-thirds of the
capital and surplus of the Bank in such real estate as is necessary for the
convenient transaction of its business. The Bank has no present plans to make
any such investment. The Board of Directors of the Corporation or the Bank may
alter their investment policies without shareholder approval.

COMPETITION

         All phases of the business of the Bank are highly competitive. The Bank
competes with numerous financial institutions, including other commercial banks,
in the Macomb County and metropolitan Detroit area. The Bank, along with other
commercial banks, competes with respect to its lending activities, and competes
in attracting demand deposits with savings banks, savings and loan associations,
insurance companies, small loan companies, credit unions and with the issuers of
commercial paper and other securities, such as various mutual funds. Many of
these institutions are substantially larger and have greater financial resources
than the Bank.

         The competitive factors among financial institutions can be classified
into two categories; competitive rates and competitive services. Interest rates
are widely advertised and thus competitive, especially in the area of time
deposits. From a service standpoint, financial institutions compete against each
other in types and quality of services. The Bank is generally competitive with
other financial institutions in its area with respect to interest rates paid on
time and savings deposits, fees charged on deposit accounts, and interest rates
charged on loans. With respect to services, the Bank offers a customer service
oriented atmosphere which management believes is better suited to its customers'
needs than that which is offered by other institutions in the local market.








                                       4
<PAGE>   5

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-KSB (continued)



LEGAL LENDING LIMIT

         Pursuant to state regulations, the Bank is limited in the amount that
it may lend to a single borrower. As of December 31, 2000, the legal lending
limit was approximately $2.6 million; however, that limit can be expanded (for
individual loans) to approximately $4.3 million with 2/3 approval of the Board
of Directors.

RETURN ON EQUITY AND ASSETS

         The following table contains selected ratios:

<TABLE>
<CAPTION>
                                                            Year ended December 31,
                                                     2000              1999             1998
                                                     -----             -----            -----

<S>                                                 <C>               <C>              <C>
         Return on average total assets               0.73%             0.57%            0.96%
         Return on average equity                     7.93%             5.45%           10.40%
         Dividend payout ratio                           NA               NA               NA
         Average equity to average assets             9.15%            10.40%            9.22%
</TABLE>


ADDITIONAL STATISTICAL DATA

         The additional consolidated statistical information shown under the
caption "Management's Discussion and Analysis of Financial Condition and Results
of Operations" on pages 31 to 37 of the Stockholder Report of the Corporation
for the year ended December 31, 2000 included in Exhibit 13 to this Report (the
"Stockholder Report") is incorporated here by reference.


ITEM 2.  DESCRIPTION OF PROPERTY

         The Bank leases a renovated office in the downtown business district of
Mount Clemens. The executive offices of the Corporation are located in the same
building. The building lease runs through 2011. The Bank also leases a suite
adjacent to the executive offices and a facility in Port Huron, both of which
serve as loan production centers. The leases run through 2005 and 2004,
respectively.


ITEM 3.  LEGAL PROCEEDINGS

         From time to time, the Corporation and the Bank may be involved in
various legal proceedings that are incidental to their business. In the opinion
of management, neither the Corporation nor the Bank is a party to any current
legal proceedings that are material to the financial condition of the
Corporation or the Bank, either individually or in the aggregate.


ITEM 4.  SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

         None



                                       5
<PAGE>   6
COMMUNITY CENTRAL BANK CORPORATION
FORM 10-KSB (continued)



                                     PART II

ITEM 5. MARKET FOR COMMON EQUITY AND RELATED STOCKHOLDER MATTERS.

         The information shown under the caption "Stock Information" on page 39
of the Stockholder Report is incorporated here by reference.

ITEM 6.  MANAGEMENT'S DISCUSSION AND ANALYSIS OR PLAN OF OPERATIONS

         The information shown under the caption "Management's Discussion and
Analysis of Financial Condition and Results of Operations" on pages 31 to 37 of
the Stockholder Report is incorporated here by reference.

ITEM 7.  FINANCIAL STATEMENTS

         The information presented under the captions "Consolidated Balance
Sheet," "Consolidated Statement of Operations," "Consolidated Statement of
Comprehensive Income," "Consolidated Statement of Changes in Stockholders'
Equity," "Consolidated Statement of Cash Flow," and "Notes to Consolidated
Financial Statements," on pages 1 through 30 of the Stockholder Report, as well
as the Independent Auditor's Report of Plante & Moran, LLP, dated January 26,
2001, included in the Stockholder Report, are incorporated here by reference.

ITEM 8.  CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND
         FINANCIAL DISCLOSURE

         None




                                       6
<PAGE>   7
COMMUNITY CENTRAL BANK CORPORATION
FORM 10-KSB (continued)



                                    PART III

ITEM 9.  DIRECTORS, EXECUTIVE OFFICERS, PROMOTERS AND CONTROL PERSONS;
         COMPLIANCE WITH SECTION 16(A) OF THE EXCHANGE ACT

         The information listed under the caption "Information about Directors
and Nominees as Directors" in the Proxy Statement of the Corporation for its
Annual Meeting of Stockholders to be held on April 17, 2001 included as Exhibit
20 to this Report (the "Proxy Statement") is incorporated here by reference.

EXECUTIVE OFFICERS

         The following is a list of the executive officers of the Corporation,
together with their ages and their positions at December 31, 2000. Executive
officers of the Corporation are elected annually by the Corporation's Board of
Directors to serve for the ensuing year and until their successors are elected
and qualified.

<TABLE>
<CAPTION>
         Name and Position                  Position Held Since          Age
         -----------------                  -------------------          ---
<S>                                        <C>                      <C>
     Harold W. Allmacher
       Chairman of the Board and                1996 - present           61
       Chief Executive Officer

     David A. Widlak
       Vice-Chairman                            2000 - present           52

     Raymond M. Contesti
       President                                2000 - present           65

     Dean S. Petitpren
       Vice President                           2000 - present           58

     Ray T. Colonius
       Corporate Treasurer                      1999 - present           43
</TABLE>


         Effective October 31, 2000, the following executive officers of the
Corporation were named: Harold W. Allmacher, Chairman of the Board and Chief
Executive Officer, David A. Widlak, Vice Chairman of the Board, Raymond M.
Contesti, President and Dean S. Petitpren, Vice President.

         Additionally, effective October 31, 2000, the following executive
officers of the Bank were named: David A. Widlak, Chairman of the Board, Harold
W. Allmacher, Vice Chairman, Ronald R. Reed, President and Chief Executive
Officer.

         Harold W. Allmacher held similar positions with Old Kent Bank -
Macomb for substantially all of the two year period prior to the inception of
the Corporation and the Bank. David A. Widlak previously held the position of
President and Chief Executive Officer with Central Holding Company. Raymond M.
Contesti and Dean S. Petitpren have been Directors of the Corporation and the
Bank since inception. Dr. Contesti has been Superintendent of Clintondale
Community Schools from 1983 to present. Mr. Petitpren has been President of
Petitpren, Inc. a wholesaler beer distributor located in Macomb County from 1961
to present. Ronald Reed joined Community Central Bank in September 2000. He was
elected President and Chief Executive Officer of the Bank on October 31, 2000.
He served as Vice President of business development at First International Bank
from October 1999 to September 2000. He headed Midwest Business Strategies, Inc.
from May 1998 to October 1999. Prior to that he served with Michigan National
Bank from March 1970 to May 1998 most recently as an area director for small
business banking.

ITEM 10.  EXECUTIVE COMPENSATION

         The information detailed in the last three paragraphs under the caption
"Board of Directors Meetings and Committees," and under the captions "Summary
Compensation Table," "Options Granted in 2000" and "Aggregated Stock Option
Exercises in 2000 and Year End Option Values" in the Proxy Statement is
incorporated here by reference.



ITEM 11.  SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT



                                       7
<PAGE>   8
COMMUNITY CENTRAL BANK CORPORATION
FORM 10-KSB (continued)


         The information under the caption "Stock Ownership of Certain
Beneficial Owners and Management" in the Proxy Statement is incorporated here by
reference.

ITEM 12.  CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

         The information under the caption "Certain Transactions" in the Proxy
Statement is incorporated here by reference.







                                       8
<PAGE>   9
COMMUNITY CENTRAL BANK CORPORATION
FORM 10-KSB (continued)



ITEM 13.  EXHIBITS AND REPORTS ON FORM 8-K

(a)  Exhibits:
         The exhibits to this report on Form 10-KSB are listed below.

         3.1       Articles of Incorporation are incorporated by reference to
                   exhibit 3.1 of the Corporation's Registration Statement on
                   Form SB-2 (Commission File No. 333-04113) which became
                   effective September 23, 1996

         3.2       Bylaws of the Corporation are incorporated by reference to
                   exhibit 3.2 of the Corporation's Registration Statement on
                   Form SB-2 (Commission File No. 333-04113) which became
                   effective September 23, 1996

         10.1      1996 Employee Stock Option Plan is incorporated by reference
                   to exhibit 10.1 of the Corporation's Registration Statement
                   on Form SB-2 (Commission File No. 333-04113) which became
                   effective September 23, 1996 (management contract or
                   compensentory plan)

         10.2      1996 Stock Option Plan for Nonemployee Directors is
                   incorporated by reference to exhibit 10.2 of the
                   Corporation's Registration Statement on Form SB-2 (Commission
                   File No. 333-04113) which became effective September 23, 1996
                   (management contract or compensentory plan)

         10.3      Lease Agreement between the Corporation and T.A.P.
                   Properties, LLC, dated May 16, 1996, is incorporated by
                   reference to exhibit 10.3 of the Corporation's Registration
                   Statement on Form SB-2 (Commission File No. 333-04113) which
                   became effective September 23, 1996

         10.4      Vicant Office Building Lease Agreement dated April 1, 1997,
                   between Gebran S. Anton, Jr. and the Bank is incorporated by
                   reference to exhibit 10.5 of the Corporation's Registration
                   Statement on Form SB-2 (Commission File No. 333-58475) which
                   became effective August 25, 1998

         10.5      1999 Stock Option Plan for Directors is incorporated by
                   reference to exhibit 10.5 of the Corporation's Annual Report
                   to the SEC on Form 10-KSB for the year ending December 31,
                   1999 (Commission File No. 333-04113) (management contract or
                   compensentory plan)

         10.6      2000 Employee Stock Option Plan (management contract or
                   compensentory plan)

         11        Computation of Per Share Earnings

         13        Proxy Statement and 2000 Annual Report of Condition. Except
                   for the portions of the Proxy Statement and 2000 Annual
                   Report that are expressly incorporated by reference in this
                   Annual Report on Form 10-KSB, the Proxy Statement and 2000
                   Annual Report of the Corporation shall not be deemed filed as
                   a part hereof

         20        Proxy Statement of the Corporation for its April 17, 2001
                   Annual Meeting is included as part of the Proxy Statement and
                   2000 Annual Report of the Corporation that are set forth as
                   Exhibit 13 to this Annual Report on Form 10-KSB. Except for
                   the portions of the Proxy Statement and 2000 Annual Report
                   that are expressly incorporated by reference in this Annual
                   Report on Form 10-KSB, the Proxy Statement and 2000 Annual
                   Report of the Corporation shall not be deemed filed as a part
                   hereof

         21        Subsidiaries of the Issuer is incorporated by reference to
                   exhibit 21 of the Corporation's Annual Report on Form 10-KSB
                   for the fiscal year ended December 31, 1998 (Commission File
                   No. 333-04113)

         23        Consent of Independent Auditor


                                       9
<PAGE>   10
COMMUNITY CENTRAL BANK CORPORATION
FORM 10-KSB (continued)



(b)  Reports on Form 8-K

         The Corporation has not filed any reports on Form 8-K during the last
quarter of the period covered by this Report.







                                       10
<PAGE>   11
COMMUNITY CENTRAL BANK CORPORATION
FORM 10-KSB (continued)




                                   SIGNATURES

         In accordance with Section 13 or 15(d) of the Exchange Act, the
registrant caused this report to be signed on its behalf by the undersigned,
thereunto duly authorized, on March 27, 2001:


                                    COMMUNITY CENTRAL BANK CORPORATION


                                    /S/ HAROLD W. ALLMACHER
                                    --------------------------------
                                    Harold W. Allmacher; Chairman and
                                    Chief Executive Officer
                                    (Principal Executive Officer)

                                    /S/ RAY T. COLONIUS
                                    --------------------------------
                                    Ray T. Colonius, Treasurer
                                    (Principal Financial and Accounting officer)


         In accordance with the Exchange Act, this report has been signed below
by the following persons on behalf of the registrant, and in the capacities
indicated on March 27, 2001:

<TABLE>

<S>                                                  <C>
/S/ HAROLD W. ALLMACHER                              /S/ JOSEPH F. JEANNETTE

----------------------------------                   --------------------------------
Harold W. Allmacher; Chairman of the Board           Joseph F. Jeannette; Director
  and Chief Executive Officer, and Director

/S/ GEBRAN S. ANTON                                  /S/ DEAN S. PETITPREN

----------------------------------                   --------------------------------
Gebran S. Anton; Director                            Dean S. Petitpren; Vice President and Director

/S/ JOSEPH CATENACCI                                 /S/ RONALD R. REED

----------------------------------                   --------------------------------
Joseph Catenacci; Director                           Ronald R. Reed; Director

/S/ RAYMOND M. CONTESTI                              /S/ MICHAEL D. SCHWARTZ

----------------------------------                   --------------------------------
Raymond M. Contesti; President and Director          Michael D. Schwartz; Director

/S/ SALVATORE COTTONE                                /S/ ANTHONY R. TERSIGNI

----------------------------------                   --------------------------------
Salvatore Cottone; Director                          Anthony R. Tersigni; Director

/S/ CELESTINA GILES                                  /S/ DAVID A. WIDLAK

----------------------------------                   --------------------------------
Celestina Giles; Director                            David A. Widlak; Vice Chairman and Director

/S/ BOBBY L. HILL

----------------------------------
Bobby L. Hill; Director
</TABLE>







                                       11
<PAGE>   12
COMMUNITY CENTRAL BANK CORPORATION
FORM 10-KSB (continued)





                                  EXHIBIT INDEX

EXHIBIT NUMBER                        EXHIBIT DESCRIPTION
--------------                        -------------------

         3.1       Articles of Incorporation are incorporated by reference to
                   exhibit 3.1 of the Corporation's Registration Statement on
                   Form SB-2 (Commission File No. 333-04113) which became
                   effective September 23, 1996

         3.2       Bylaws of the Corporation are incorporated by reference to
                   exhibit 3.2 of the Corporation's Registration Statement on
                   Form SB-2 (Commission File No. 333-04113) which became
                   effective September 23, 1996

         10.1      1996 Employee Stock Option Plan is incorporated by reference
                   to exhibit 10.1 of the Corporation's Registration Statement
                   on Form SB-2 (Commission File No. 333-04113) which became
                   effective September 23, 1996 (management contract or
                   compensentory plan)

         10.2      1996 Stock Option Plan for Nonemployee Directors is
                   incorporated by reference to exhibit 10.2 of the
                   Corporation's Registration Statement on Form SB-2 (Commission
                   File No. 333-04113) which became effective September 23, 1996
                   (management contract or compensentory plan)

         10.3      Lease Agreement between the Corporation and T.A.P.
                   Properties, LLC, dated May 16, 1996, is incorporated by
                   reference to exhibit 10.3 of the Corporation's Registration
                   Statement on Form SB-2 (Commission File No. 333-04113) which
                   became effective September 23, 1996

         10.4      Vicant Office Building Lease Agreement dated April 1, 1997,
                   between Gebran S. Anton, Jr. and the Bank is incorporated by
                   reference to exhibit 10.5 of the Corporation's Registration
                   Statement on Form SB-2 (Commission File No. 333-58475) which
                   became effective August 25, 1998

         10.5      1999 Stock Option Plan for Directors is incorporated by
                   reference to exhibit 10.5 of the Corporation's Annual Report
                   to the SEC on Form 10-KSB for the year ending December 31,
                   1999 (Commission File No. 333-04113) (management contract or
                   compensentory plan)

         10.6      2000 Employee Stock Option Plan (management contract or
                   compensentory plan)

         11        Computation of Per Share Earnings

         13        Proxy Statement and 2000 Annual Report of Condition. Except
                   for the portions of the Proxy Statement and 2000 Annual
                   Report that are expressly incorporated by reference in this
                   Annual Report on Form 10-KSB, the Proxy Statement and 2000
                   Annual Report of the Corporation shall not be deemed filed as
                   a part hereof

         20        Proxy Statement of the Corporation for its April 17, 2001
                   Annual Meeting is included as part of the Proxy Statement and
                   2000 Annual Report of the Corporation that are set forth as
                   Exhibit 13 to this Annual Report on Form 10-KSB. Except for
                   the portions of the Proxy Statement and 2000 Annual Report
                   that are expressly incorporated by reference in this Annual
                   Report on Form 10-KSB, the Proxy Statement and 2000 Annual
                   Report of the Corporation shall not be deemed filed as a part
                   hereof

         21        Subsidiaries of the Issuer is incorporated by reference to
                   exhibit 21 of the Corporation's Annual Report on Form 10-KSB
                   for the fiscal year ended December 31, 1998 (Commission File
                   No. 333-04113)

         23        Consent of Independent Auditor



                                       12