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                                                                      EXHIBIT 14




                             COMMUNITY CENTRAL BANK
                                  CORPORATION


                            CODE OF BUSINESS CONDUCT
                                   AND ETHICS




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                                     PART I

                                    OVERVIEW
PURPOSE OF THE CODE

         This Code of Business Conduct and Ethics is intended to deter
wrongdoing and promote:

         -  Honest and ethical conduct, including the ethical handling of actual
            or apparent conflicts of interest between personal and professional
            relationships;

         -  Avoidance of conflicts of interest, or the appearance of conflicts,
            including appropriate disclosure to supervisors of any material
            transaction or relationship that reasonably could be expected to
            give rise to a conflict;

         -  Full, fair, accurate, timely and understandable disclosure in
            documents the Corporation files with, or submits to, the SEC and in
            all public communications made by the Corporation;

         -  Compliance with applicable governmental laws, rules and regulations;

         -  Prompt internal reporting to designated persons of violations of the
            Code; and

         -  Accountability for adherence to the Code.

APPLICATION OF THE CODE

         The Code applies to all Community Central Bank Corporation (the
"Corporation") directors and employees, including subsidiary and affiliate
employees. The Code applies to all employee decisions and activities within the
scope of employment, or when representing the Corporation in any capacity. A
copy of the Code will be included in the orientation package provided to new
employees. Following review of the Code, new employees will be asked to sign a
written confirmation that they have reviewed the Code in its entirety, and agree
to adhere to its provisions. Existing employees will be asked to review the Code
annually. All Corporation officers and directors should be familiar with the
requirements of the Code, and should encourage employees to apply the Code to
their daily activities and decisions, and to seek guidance from the appropriate
individuals when additional information or explanation is needed.

         Copies of the Code may be obtained from several sources, including the
Employee Handbook and the Corporation's human resources department.

OBTAINING GUIDANCE

         If you need additional explanation regarding a particular provision of
the Code, or if you need guidance in a specific situation, including whether a
conflict or potential conflict of interest may exist, please contact your
immediate supervisor. If you are uncomfortable speaking to your immediate
supervisor, or if you require additional guidance after having consulted with
your supervisor, you are encouraged to contact the following individual:

Debbie Reinhardt
Vice President -- Personnel Officer
(586) 783-4360
dreinhardt@communitycentralbank.com


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REPORTING VIOLATIONS OF THE CODE

         Any known or suspected violation of the Code, including actions or
failures to act, must be promptly reported to your supervisor or the person
listed above. This includes violations or possible violations involving you,
another employee (including officers) or a director. Any violation of law, rule
or regulation applicable to the Corporation and/or corporate policy is also a
violation of this Code. Violations of the Code may result in disciplinary action
including, in severe situations, immediate termination of employment.

         Concerns regarding questionable accounting, internal accounting
controls or auditing matters may be directed to the Chairman of the Audit
Committee at 455 Twin Lakes Drive, Oakland, Michigan 48363 by leaving a
confidential message.

         All concerns or complaints will be promptly investigated and
appropriate action taken. The Manager, Human Resources will document the results
of the investigation in a report to the Board of Directors in order to ensure a
fair process is utilized in determining whether a violation of the Code has
occurred. No person expressing concerns or complaints will be subject to any
disciplinary or other adverse action by the Corporation absent a knowingly false
report. All concerns or complaints may be made anonymously and will remain
confidential. Please provide sufficient information to allow us to properly
investigate your concerns. The Corporation will retain a record of all concerns
and complaints, and the results of its investigations, for five years.

                                     PART II

                       PRINCIPLES AND STANDARDS OF CONDUCT

         One of the most valued assets of the Corporation is its reputation for
integrity as determined by the personal conduct of its directors, officers and
staff, and how that conduct may be perceived by the public. The ethical
management of both personal and business affairs is most important to all
directors and employees in order to avoid situations that might lead to a
conflict, or even suspicion of a conflict, between personal interest and
responsibility to the Corporation. Your position should never be used directly
or indirectly for private gain, for advancement of personal interests or to
obtain favors or benefits for oneself, customers, or suppliers.

         The following is a statement of policy regarding standards of conduct
expected from directors and employees of the Corporation and its subsidiaries in
their treatment of confidential information, personal investments, gifts and
fees, and outside activities.

CONFIDENTIAL AND INSIDER INFORMATION

         Confidentiality is a fundamental principle of the financial services
business. In the course of performing your duties, you may acquire confidential
information. Confidential information includes all non-public information that
might be of use to competitors or harmful to the Corporation or its customers,
if disclosed. Confidential information, in any form, obtained through business
or personal contacts with customers, prospective customers, suppliers, or other
employees shall be used solely for the Corporation's purposes. Information
reflecting favorably or adversely upon the current or future value of any
business enterprise should not be used in any manner for personal gain or for
advantage to a third party. This information must not be revealed to
unauthorized persons or discussed with others within the Corporation unless
their duties require this information. The use of confidential information
submitted to us through any source about one customer to further the private
interests of another customer is unethical and may be illegal.

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         Some specific examples of confidential information include:

          - The identity of customers and potential customers and their
            personal, business and financial information;

          - Non-public business and financial information of the Corporation;
            personal information regarding any employee of the Corporation;

          - Personal or non-public business information regarding any supplier,
            vendor or agent of the Corporation;

          - Information related to, including the identity of, potential
            candidates for mergers and acquisitions;

          - Information regarding the Corporation's sales strategies, plans or
            proposals;

          - Information related to computer software programs, whether
            proprietary or standard;

          - Information related to documentation systems, information databases,
            customized hardware or other information systems and technological
            developments;

          - Manuals, processes, policies, procedures, compositions, opinion
            letters, ideas, innovations, inventions, formulas and other
            proprietary information belonging to the Corporation or related to
            the Corporation's activities;

          - Security information, including without limitation, policies and
            procedures, passwords, personal identification numbers (PINs) and
            electronic access keys;

          - Communications by, to and from regulatory agencies; and

          - Certain communications with or from attorneys for the Corporation,
            whether internal or external.

         This caution on confidential information does not preclude releasing
certain customer information when authorized by the customer or to the
government when appropriate. The guidance of the Manager, Human Resources should
be sought in all such cases. Disclosure of confidential information to
attorneys, accountants and other professionals working on behalf of the
Corporation, as well as regulatory examiners, may also be appropriate.

PERSONAL INVESTMENTS AND FINANCIAL AFFAIRS

         Directors and employees of the Corporation, like any other individuals,
may make personal investments in corporate stock, real estate, etc. Such
investments , however, shall not be made as a result of confidential information
that is also material inside information obtained through your position with the
Corporation. Particular care should be taken with original or new stock issues.
Confidential information about the Corporation and its customers and suppliers
acquired by directors and employees in the course of their duties is to be used
solely for the Corporation's purposes, and not as a basis for personal
investment by directors and employees or their immediate families. In making
personal investments, all directors and employees should be guided by a keen
awareness of potential conflict. In addition, personal investments


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should not influence a director's or employee's judgment or action in the
conduct of the Corporation's business.

         It is expected that all directors and employees will conduct their
personal financial affairs in a manner that will not reflect adversely upon the
Corporation or on their personal standing in the community.

MATERIAL INSIDE INFORMATION

         Generally, material inside information is defined as any information
that is confidential in nature, and that a reasonable investor would likely
consider important in deciding whether to buy, sell, or hold the Corporation's
stock. The following types of information, if not generally known or publicly
disclosed, should be considered material inside information and treated
according to the provisions of this Code and the Corporation's Insider Trading
Policy:

        -   Proposals or plans for mergers and acquisitions;

        -   Earnings estimates or results, whether for the month, quarter or
            year;

        -   Changes in dividends;

        -   New product innovation, development or implementation;

        -   Major litigation, adverse regulatory proceeding or material threat
            of either event;

        -   Significant operational issues, including changes in non-performing
            assets;

        -   Significant expansion of operations, whether geographic or
            otherwise, or the curtailment of current or future planned
            operations; and

        -   Any other information which, if known, would likely influence the
            decisions of investors.

GIFTS AND FEES

         It is illegal for anyone to offer or promise anything of value to an
employee, officer, director or agent of a financial institution with the intent
to influence or reward the person in connection with any business or transaction
of the financial institution. It is also illegal for an employee, officer,
director or agent of a financial institution to solicit or accept anything of
value from any person intending to be influenced or rewarded in connection with
any business or transaction of the financial institution.

         No employee or director of the Corporation shall accept anything of
value from a customer of the Corporation or a vendor to the Corporation other
than the following:

         1. Gifts based on a family relationship or gifts of a reasonable value
            based on a personal relationship where that relationship is the
            obvious motivating factor for the gift;

         2. Advertising or promotional material with a value of less than $100;

         3. Gifts with a value of less than $100 related to commonly recognized
            events such as a promotion, religious holiday, wedding or
            retirement;

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         4. Acceptance of customary hospitality (business luncheons, dinners,
            golf outings, ball games, etc.) where it is directly related to
            Corporation activities and provided that the expense would be paid
            for by the Corporation if not paid for by another party. Any
            entertainment beyond that scope or of a frequent nature (more than
            twice a year by the same party) must be pre-authorized by the
            Manager, Human Resources;

         5. Discounts or rebates on merchandise or services that do not exceed
            those available to other customers of the merchant; or

         6. Awards for recognition of service or accomplishment from civic,
            charitable, educational or religious organizations.

         If an employee or director receives or anticipates receiving a benefit
from a Corporation customer or vendor and is unsure whether acceptance of the
gift is in compliance with this policy, a written disclosure should be made to
the Treasurer. The Board of Directors may approve the acceptance of the benefit
if the acceptance is otherwise consistent with this policy.

         Directors, employees and their immediate families should never borrow
personally from customers or suppliers unless these entities are engaged
directly in the lending business, and then only under normal conditions with
respect to interest rates, terms, security, and repayment programs that are
available to any borrower.

OUTSIDE ACTIVITIES

         Outside activities that might constitute a conflict of interest or
interfere with performance, or compromise a director's or employee's position,
are to be avoided. Employee activities such as full-time outside employment; the
rendering of investment, legal or accounting services; membership on corporate
boards of directors; seeking of an elective political position; or appointment
to government bodies should be reviewed and approved by the Chairman and Chief
Executive Officer of the Corporation prior to such undertakings. As in the past,
we continue to encourage active participation on the part of directors, officers
and employees in service clubs and organizations fostering the betterment of the
community, and the active use of various social memberships in maintaining a
proper image of our organization within the community.

COMPLIANCE WITH LAWS, RULES AND REGULATIONS

         All directors and employees of the Corporation are required to comply
with the requirements of this Code, all policies of the Corporation and
applicable laws, rules and regulations. Directors and employees must also comply
with the procedures implementing and effectuating the Corporation's policies.
Failure to comply with the Corporation's policies and procedures may result in
disciplinary action including, in severe situations, immediate termination of
employment.

ACCOUNTING PRACTICES

         All employees are expected to observe and comply with generally
accepted accounting principles, the system of internal controls and disclosure
controls and procedures established by the Corporation requiring that corporate
books and records accurately and fairly reflect in reasonable detail the
financial condition and results of operations of the Corporation. Corporation
policies are intended to promote full, fair, accurate, timely and understandable
disclosure in reports and documents filed with or submitted to the SEC and in
the

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Corporation's public statements. In furtherance of these requirements, employees
must practice the following:

         1. No false, misleading or artificial entries shall be made on
            corporate books, records and reports for any reason.

         2. No undisclosed or unrecorded corporate funds or assets shall be
            established for any purpose.

         3. No payments from corporate funds or other assets shall be approved
            or be made with the intention or understanding that any part of such
            payment will be used for any purpose other than that described by
            the documents supporting the payment. All payments must be supported
            with appropriately approved purchase orders, invoices or receipts,
            expense reports or other customary documents, all in accordance with
            established policy.

                                    PART III

                           ADMINISTRATION AND WAIVERS

ADMINISTRATION

         This Code will be administered and monitored by the Corporation's Human
Resources Department. General questions and requests for additional information
on this Code should be directed to this department at the telephone number and
e-mail address in Part I.

WAIVERS

Any requests for waivers of the Code for employees who are not executive
officers should be directed through your supervisor to the Human Resources
Department. Requests for waivers for directors and executive officers should be
directed to the Board of Directors through the Corporate Secretary. Only a
majority of the Board of Directors may waive the applicability of the Code for a
director or executive officer. Any waiver granted to directors or executive
officers, including the principal accounting officer, and the reasons for
granting the waiver, and any change in the Code applicable to directors and
executive officers, including the principal accounting officer, must be promptly
disclosed to the public as required by law or the Nasdaq Stock Market.



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