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                                                                    EXHIBIT 10.6

                       COMMUNITY CENTRAL BANK CORPORATION
                         2000 EMPLOYEE STOCK OPTION PLAN

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                      As adopted by the Board of Directors
                               on February 1, 2000

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ARTICLE I - PURPOSE

         The purpose of the 2000 Employee Stock Option Plan (the "Plan") of
Community Central Bank Corporation (the "Company") is to enable key employees of
the Company or any Subsidiary to participate in the Company's future growth and
profitability by offering them long-term performance-based incentive
compensation. The Plan also provides a means through which the Company and its
Subsidiaries can attract and retain key employees.


ARTICLE II - DEFINITIONS

         2.1      The following terms have the meaning described below when used
in the Plan:

         (a)      "Board of Directors" shall mean the board of directors of the
Company.

         (b)      "Code" shall mean the Internal Revenue Code of 1986, as
amended, and as it may be further amended from time to time.

         (c)      "Common Stock" shall mean the Common Stock of the Company.

         (d)      "Company" shall mean Community Central Bank Corporation.

         (e)      "Fair Market Value" on a particular date shall mean (i) if the
Common Stock is quoted on the OTC Bulletin Board (the "Bulletin Board"), the
mean between the closing high bid and low asked quotations for such day (or, in
the event that the Common Stock was not quoted on such day, the most recent
preceding business day on which the Common Stock was quoted) of the Common Stock
on the Bulletin Board, (ii) if the Common Stock is quoted on The Nasdaq Stock
Market ("Nasdaq"), the mean between the closing high bid and low asked
quotations for such day of the Common Stock on Nasdaq, or (iii) if neither
clause (i) nor (ii) is applicable, a value determined by any fair and reasonable
means prescribed by the Board of Directors.

         (f)      "Incentive Stock Option" shall mean a stock option granted
under Article VI that is intended to meet the requirements of Section 422 of the
Code.



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         (g)      "Non-Qualified Stock Option" shall mean a stock option granted
under Article VI that is not intended to be an Incentive Stock Option.

         (h)      "Option" shall mean an Incentive Stock Option or Non-Qualified
Stock Option.

         (i)      "Participant" shall mean an eligible employee who has been
granted an Option.

         (j)      "Subsidiary" shall mean a corporation a majority of the
outstanding  voting  capital stock of which is owned by the Company.


ARTICLE III - ADMINISTRATION

         3.1      Stock Option Plan Administration. The Board of Directors of
the Company shall administer the Plan. The Board of Directors shall have full
power and authority to grant to eligible employees (as determined by the Board
of Directors) Options under Article VI of the Plan, to interpret the provisions
of the Plan and any agreements relating to Options granted under the Plan, and
to administer the Plan. In making determinations of eligibility for the Plan,
the Board of Directors may consider the position and responsibilities of the
employee, the nature and value of his or her services and accomplishments, the
present and potential contribution of the employee to the success of the
Company, and such other factors as the Board of Directors may deem relevant.

         (b)      Decisions of Board of Directors. All decisions made by the
Board of Directors pursuant to the provisions of the Plan shall be final,
conclusive and binding on all persons, including the Company, its shareholders
and employees, and beneficiaries of employees.

ARTICLE IV - SHARES SUBJECT TO THE PLAN

         4.1      (a) Number of Shares. Subject to adjustment as provided for in
Section 4.1(b), the maximum number of shares of Common Stock with respect to
which Options may be granted shall be 60,000 shares of Common Stock. Shares of
Common Stock shall be made available from the authorized but unissued shares of
the Company (including shares reacquired by the Company). If an Option granted
under the Plan shall expire or terminate for any reason, the shares subject to,
but not delivered, under such Option shall be available for other Options to be
issued under the Plan.

                  (b) Adjustments. All as may be deemed appropriate by the Board
of Directors, the aggregate number of shares of Common Stock which may be issued
under the Plan, the number of shares covered by each outstanding Option, and the
price per share in each Option, may be proportionately adjusted for any increase
or decrease in the number of issued shares of Common Stock of the Company
resulting from a subdivision or consolidation of shares or any other capital
adjustment, a stock split, the payment of a stock dividend, or other increase or
decrease in such shares effected without receipt of consideration by the
Company.



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ARTICLE V - ELIGIBILITY

         5.1      The persons eligible to participate in the Plan and receive
Options under the Plan are officers and other key employees of the Company and
its Subsidiaries, including directors who are full time employees, as determined
by the Board of Directors.


ARTICLE VI - STOCK OPTIONS

         6.1      Grant of Options. Subject to the limitations of the Plan, the
Board of Directors, after such consultation with and consideration of the
recommendations of management as the Board of Directors considers desirable,
shall select from eligible employees Participants to be granted Options and
determine the time when each Option shall be granted and the number of shares
subject to each Option. Options may be either Incentive Stock Options or
Non-Qualified Stock Options. More than one Option may be granted to the same
person. The Board of Directors may not grant a Participant Incentive Stock
Options which in the aggregate are first exercisable during any one calendar
year with respect to Common Stock the aggregate Fair Market Value of which
(determined as of the time of grant) exceeds $100,000.

         6.2      Option Agreements. Each Option under the Plan shall be
evidenced by an option agreement that shall be signed by an officer of the
Company and the Participant and shall contain such provisions as may be approved
by the Board of Directors. Any such option agreement may be amended from time to
time as approved by the Board of Directors and the Participant, provided that
the terms of such option agreement after being amended conform to the terms of
the Plan.

         6.3      Option Price. The price at which shares of Common Stock may be
purchased upon exercise of an Option shall be not less than one hundred percent
(100%) of the Fair Market Value of such shares on the date such Option is
granted.

         6.4      Exercise of Options.

         (a)      The period during which each Option may be exercised shall be
fixed by the Board of Directors at the time such Option is granted, but such
period in no event shall expire later than ten (10) years from the date the
Option is granted.

         (b)      Subject to the terms and conditions of the option agreement
and unless canceled prior to exercise, each Option shall be exercisable in whole
or in part in installments at such time or times as the Board of Directors may
prescribe and specify in the applicable option agreement.

         (c)      No shares shall be delivered pursuant to any exercise of an
Option until payment in full of the option price therefor is received by the
Company. Such payment shall be made in cash or through the delivery of shares of
Common Stock of the Company with a value equal to the total option price or a
combination of cash and shares. Any shares so delivered shall be


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valued at their Fair Market Value on the exercise date. No Participant shall be
deemed to be a holder of any shares subject to any Option prior to the issuance
of such shares upon exercise of such Option.

         6.5      Ten-Percent Shareholder Rule. If a Participant owns more than
ten percent (10%) of the total combined voting power of all classes of the
Company or of any Subsidiary's stock at the time an Incentive Stock Option is
granted to such Participant, the option price to such Participant shall not be
less than one hundred ten percent (110%) of the Fair Market Value per share of
the Common Stock on the date of grant, and such Incentive Stock Option by its
terms shall not be exercisable after the expiration of five (5) years from the
date of grant.

         6.6      Non-Transferability of Options. No Option or any rights with
respect thereto shall be subject to any debts or liabilities of a Participant,
nor be assignable or transferable except by Will or the laws of descent and
distribution, nor be exercisable during the Participant's lifetime other than by
the Participant, nor shall Common Stock be issued to or in the name of one other
than the Participant; provided, however, that an Option may after the death or
disability of a Participant be exercised pursuant to Section 6.7; and provided
further that any Common Stock issued to a Participant hereunder may at the
request of the Participant, and with the consent of the Company, be issued in
the names of the Participant and one other person, as joint tenants with right
of survivorship and not as tenants in common, or in the name of a trust for the
benefit of the Participant or for the benefit of the Participant and others.

         6.7      Termination of Employment; Death and Disability. Subject to
the condition that no Option may be exercised in whole or in part after the
expiration of the option period specified in the applicable option agreement:

         (a)      Except as hereinafter provided, an Option may be exercised by
the Participant only while such Participant is in the employ of the Company or a
Subsidiary. In the event that the employment of a Participant to whom an Option
has been granted under the Plan shall terminate (except as set forth below) such
Option may be exercised, to the extent that the Option was exercisable on the
date of termination of employment, only until the earlier of three (3) months
after such termination or the original expiration date of the Option; provided,
however, that if termination of employment results from death or total and
permanent disability, such three (3) month period shall be extended to twelve
(12) months.

         (b)      In the event of the permanent disability of a Participant as
determined by the Board of Directors, an Option which is otherwise exercisable
may be exercised by the Participant's legal representative or guardian. In the
event of the death of the Participant, an Option which is otherwise exercisable
may be exercised by the person or persons whom the Participant shall have
designated in writing on forms prescribed by and filed with the Board of
Directors ("Beneficiaries"), or, if no such designation has been made, by the
person or persons to whom the Participant's rights shall have passed by Will or
the laws of descent and distribution ("Successors"). The Board of Directors may
require an indemnity and/or such evidence or other assurances as the Board of
Directors in its sole and absolute discretion may deem necessary in connection
with an exercise by a legal representative, guardian, Beneficiary or Successor.


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ARTICLE VII - GENERAL PROVISIONS

         7.1      Change in Control.

         (a)      In the case of a Change in Control (as defined below) of the
Company, unless the Board of Directors determines otherwise, each Option then
outstanding shall become exercisable in full immediately prior to such Change in
Control.

         (b)      Any determination by the Board of Directors made pursuant to
subsection (a) above may be made as to all outstanding Options or only as to
certain Options specified by the Board of Directors and any such determinations
shall be made in cases covered by subparagraphs 7.1(c)(i) and (ii) below prior
to or as soon as practicable after the occurrence of such event and in the cases
covered by subparagraphs 7. 1 (c) (iii) or (iv) prior to the occurrence of such
event.

         (c)      A Change in Control shall occur if:

                  (i)   Any "person" or "group of persons" as such terms are
defined in Section 13(d) and 14(c) of the Securities Exchange Act of 1934 (the
"Exchange Act") directly or indirectly purchases or otherwise becomes the
"beneficial owner" (as defined in the Exchange Act) or has the right to acquire
such beneficial ownership (whether or not such right is exercised immediately,
with the passage of time or subject to any condition) of voting securities
representing forty percent (40%) or more of the combined voting power of all
outstanding voting securities of the Company,

                  (ii)  During any period of two consecutive calendar years the
individuals who at the beginning of such period constitute the Board of
Directors cease for any reason to constitute at least the majority of the
members thereof unless (1) there are five or more directors then still in office
who were directors at the beginning of the period and (2) the election or the
nomination for election by the Company's shareholders of each new director was
approved by at least two-thirds (2/3) of the directors then still in office who
were directors at the beginning of the period,

                  (iii) The shareholders of the Company shall approve an
agreement to merge or consolidate the Company with or into another corporation
as a result of which less than fifty percent (50%) of the outstanding voting
securities of the surviving or resulting entity are or are to be owned by the
former shareholders of the Company (excluding from former shareholders a
shareholder who is or as a result of the transaction in question, becomes an
affiliate as defined in Rule 12b-2 under the Exchange Act of any party to such
consolidation or merger), or

                  (iv)  The shareholders of the Company shall approve the sale
of all or substantially all of the Company's business and/or assets to a person
or entity that is not a wholly-owned subsidiary of the Company.

         7.2      No Right of Continued Employment. Neither the establishment of
the Plan, the granting of Options or any action of the Company or of the Board
of Directors shall be held or


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construed to confer upon any person any legal right to be continued in the
employ of the Company or its Subsidiaries, each of which expressly reserves the
right to discharge any employee whenever the interest of any such company in its
sole discretion may so require without liability to such company or the Board of
Directors, except as to any rights that may be expressly conferred upon such
employee under the Plan.

         7.3      No Segregation of Cash or Shares. The Company shall not be
required to segregate any shares of Common Stock that may at any time be
represented by Options, and the Plan shall constitute an "unfunded" plan of the
Company. No employee shall have rights with respect to shares of Common Stock
prior to the delivery of such shares. The Company shall not, by any provisions
of the Plan, be deemed to be a trustee of any Common Stock or any other property
and the liabilities of the Company to any employee pursuant to the Plan shall be
those of a debtor pursuant to such contract obligations as are created by or
pursuant to the Plan, and the rights of any employee, former employee or
beneficiary under the Plan shall be limited to those of a general creditor of
the Company.

         7.4      Delivery of Shares. No shares shall be delivered pursuant to
any exercise of an Option under the Plan unless the requirements of such laws
and regulations as may be deemed by the Board of Directors to be applicable
thereto are satisfied. All certificates for shares of Common Stock delivered
under the Plan shall be subject to such stock-transfer orders and other
restrictions as the Board of Directors may deem advisable under the rules,
regulations, and other requirements of the Securities and Exchange Commission,
any stock exchange or quotation system upon which the Common Stock is then
listed, and any applicable Federal or state securities law, and the Board of
Directors may cause a legend or legends to be put on any such certificates to
make appropriate reference to such restrictions.

         7.5      Governing Law. The Plan and all determinations made and action
taken pursuant thereto shall be governed by the laws of the State of Michigan
and construed in accordance therewith.

         7.6      Payments and Tax Withholding. The delivery of any shares of
Common Stock under the Plan shall be for the account of the Company and any such
delivery or distribution shall not be made until the recipient shall have made
satisfactory arrangements for the payment of any applicable withholding taxes.



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ARTICLE VIII - AMENDMENT AND TERMINATION

         8.1      Amendment or Termination. The Board of Directors may amend or
terminate the Plan provided, however, that no such amendment or termination
shall adversely affect any Option then in effect unless the prior approval of
the Participant so affected is obtained. No Option may be granted under the Plan
after December 31, 2009.


ARTICLE IX - EFFECTIVENESS OF PLAN

         9.1      The Plan was adopted by the Board of Directors on February 1,
2000 subject to the approval of the shareholders of the Company.


ARTICLE X - SEVERABILITY

         10.1     If any provision of the Plan, or any term or condition of any
Option granted thereunder, is invalid, such provision, term, condition or
application shall to that extent be void (or, in the discretion of the Board of
Directors, such provision, term or condition may be amended so as to avoid such
invalidity or failure), and shall not affect other provisions, terms or
conditions or applications thereof, and to this extent such provisions, terms
and conditions are severable.






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