<PAGE>

                                  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, 2002        Commission File No. 000-33373
                          -----------------

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

            Michigan                                      38-3291744
            --------                                      ----------
  (State or other jurisdiction                (IRS Employer Identification No.)
of incorporation or organization)

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

                                 (586) 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
                                  Common Stock
                                  ------------
                                (Title of Class)

         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
             ----            ----

         Check if there is no disclosure of delinquent filers in response to
Item 405 of Regulation S-B 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 $20,467,000

         As of March 21, 2003, 2,685,563 shares of Common Stock of the issuer
were outstanding. The aggregate market value of voting stock of the registrant
held by nonaffiliates was approximately $20.6 million as of March 21, 2003;
based on the average of the bid and asked prices ($9.89) on that date. (For
purposes of this calculation, 602,623 shares beneficially owned by the members
of the Corporation's Board of Directors and Executive Officers have been
excluded.) The exclusion of the member value of the shares owned by these
individuals shall not be deemed an admission by the issuer that such person is
an affiliate of the issuer.

                      DOCUMENTS INCORPORATED BY REFERENCE:

         Part II           Portions of Stockholder Report of the
                           issuer for the year ended December 31, 2002.

         Part III          Portions of the Proxy Statement of the
                           issuer for its April 15, 2003 Annual Meeting.




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


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


                 DISCLOSURE REGARDING FORWARD-LOOKING STATEMENTS


         This document, including information included or incorporated by
reference, contains, and future filings by Community Central Bank Corporation on
Form 10-QSB and Form 8-K and future oral and written statements by the
Corporation and our management may contain, forward-looking statements about the
Corporation and its subsidiary which we believe are within the meaning of the
Private Securities Litigation Reform Act of 1995. These forward-looking
statements include, without limitation, statements with respect to anticipated
future operating and financial performance, growth opportunities, interest
rates, cost savings and funding advantages expected or anticipated to be
realized by management. Words such as may, could, should, would, believe,
anticipate, estimate, expect, intend, plan and similar expressions are intended
to identify these forward-looking statements. Forward-looking statements by
Community Central Bank Corporation and its management are based on beliefs,
plans, objectives, goals, expectations, anticipations, estimates and intentions
of management and are not guarantees of future performance. We disclaim any
obligation to update or revise any forward-looking statements based on the
occurrence of future events, the receipt of new information, or otherwise. The
important factors we discuss below and elsewhere in this document, as well as
other factors discussed under the caption "Management's Discussion and Analysis
of Financial Condition and Results of Operations" in our Stockholder Report
attached to this Form 10-KSB as Exhibit 13 and identified in our filings with
the SEC and those presented elsewhere by our management from time to time, could
cause actual results to differ materially from those indicated by the
forward-looking statements made in this document.

         The following factors, many of which are subject to change based on
various other factors beyond our control, could cause our financial performance
to differ materially from the plans, objectives, expectations, estimates and
intentions expressed in such forward-looking statements:

         o        The strength of the United States economy in general and the
                  strength of the local economies in which we conduct our
                  operations;
         o        The effects of, and changes in, trade, monetary and fiscal
                  policies and laws, including interest rate policies of the
                  Federal Reserve Board;
         o        Financial market, monetary and interest rate fluctuations,
                  particularly the relative relationship of short-term interest
                  rates to long-term interest rates;
         o        The timely development of and acceptance of new products and
                  services of Community Central Bank and the perceived overall
                  value of these products and services by users, including the
                  features, pricing and quality compared to competitors'
                  products and services;
         o        The willingness of users to substitute competitors' products
                  and services for our products and services;
         o        The impact of changes in financial services' laws and
                  regulations (including laws concerning taxes, accounting
                  standards, banking, securities and insurance);
         o        The impact of technological changes
         o        Acquisitions;
         o        Changes in consumer spending and saving habits; and
         o        Our success at managing the risks involve in the foregoing.





                                       2
<PAGE>
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 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
operates a loan center in Port Huron, Michigan, serving small and medium-sized
businesses in St. Clair County and consumers with residential mortgage products.
On July 9, 2001, Community Central Mortgage Company, LLC ("Mortgage Company")
commenced operations. The ownership structure of the Mortgage Company consists
of two members, the Bank and the Corporation owning 99% and 1% of the Mortgage
Company, respectively.

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.



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


REGULATION AND SUPERVISION

         Financial institutions and their holding companies are extensively
regulated under federal and state law. Consequently, the growth and earnings
performance of the Corporation and the Bank can be affected not only by
management decisions and general economic conditions, but also by the statutes
administered by, and the regulations and policies of, various governmental
regulatory authorities. Those authorities include, but are not limited to, the
Board of Governors of the Federal Reserve System, the Federal Deposit Insurance
Corporation (the "FDIC"), the Commissioner of the Financial Institutions Bureau
of the State of Michigan, the Internal Revenue Service, and federal and state
taxing authorities. The effect of such statutes, regulations and policies can be
significant, and cannot be predicted with a high degree of certainty. There can
be no assurance that future legislation or government policy will not adversely
affect the banking industry or the operations of the Bank. Federal economic and
monetary policy may affect the Bank's ability to attract deposits, make loans
and achieve satisfactory interest spreads.

         Federal and state laws and regulations generally applicable to
financial institutions and their holding companies regulate, among other things,
the scope of business, investments, reserves against deposits, capital levels
relative to operations, lending activities and practices, the nature and amount
of collateral for loans, the establishment of branches, mergers, consolidations
and dividends. The system of supervision and regulation applicable to the
Corporation and the Bank establishes a comprehensive framework for their
respective operations and is intended primarily for the protection of the FDIC's
deposit insurance funds, the depositors of the Bank, and the public, rather than
shareholders of the Bank or the Corporation.

         Federal law and regulations establish supervisory standards applicable
to the lending activities of the Bank including internal controls, credit
underwriting, loan documentation, and loan-to-value ratios for loans secured by
real property. The Bank is in compliance with these requirements.

Sarbanes-Oxley Act. On July 30, 2002, President Bush signed into law the
Sarbanes-Oxley Act of 2002 (the "SOA"). The stated goals of the SOA are to
increase corporate responsibility, to provide for enhanced penalties for
accounting and auditing improprieties at publicly traded companies and to
protect investors by improving the accuracy and reliability of corporate
disclosures pursuant to the securities laws.

         The SOA is the most far-reaching U.S. securities legislation enacted in
some time. The SOA generally applies to all companies, both U.S. and non-U.S.,
that file or are required to file periodic reports with the SEC under the
Securities Exchange Act. Given the extensive SEC role in implementing rules
relating to many of the SOA's new requirements, the final scope of many of these
requirements remains to be determined.

         The SOA includes very specific additional disclosure requirements and
new corporate governance rules, requires the SEC and securities exchanges to
adopt extensive additional disclosure, corporate governance and other related
rules and mandates further studies of certain issues by the SEC and the
Comptroller General. The SOA represents significant federal involvement in
matters traditionally left to state regulatory systems, such as the regulation
of the accounting profession, and to state corporate law, such as the
relationship between a board of directors and management and between a board of
directors and its committees.

         The SOA addresses, among other matters:

o    audit committees;

o    certification of financial statements by the chief executive officer and
     the chief financial officer;

o    the forfeiture of bonuses or other incentive-based compensation and profits
     from the sale of an issuer's securities by directors and senior officers in
     the twelve month period following initial publication of any financial
     statements that later require restatement;

o    a prohibition on the sale of Company common stock by directors and
     executive officers during pension plan black out periods;

o    disclosure of off-balance sheet transactions;





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


o    a prohibition on certain personal loans to directors and officers;
     expedited filing requirements for Form 4s;

o    disclosure of a code of ethics and filing a Form 8-K for a change or waiver
     of such code;

o    "real time" filing of periodic reports;

o    the formation of a public accounting oversight board;

o    auditor independence; and

o    various increased criminal penalties for violations of securities laws.

         The SOA contains provisions which became effective upon enactment on
July 30, 2002 and provisions which become effective from within 30 days to one
year from enactment. The SEC has been delegated the task of adopting rules to
implement various provisions of the SOA.


EMPLOYEES

         As of December 31, 2002, the Corporation and its subsidiaries employed
75 persons (full time equivalent).



                                       5
<PAGE>
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. 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.

         The following table shows the composition and maturities of our
securities portfolio as of December 31, 2002, 2001 and 2000 with weighted
average yields. For additional information on our investments, see Note 3 of the
Notes to Consolidated Financial Statements contained in the Stockholder Report
of the Corporation for the year ended December 31, 2002, which is attached to
this Form 10-KSB as Exhibit 13 (the "Stockholder Report").

<TABLE>
<CAPTION>
                                                   2002                      2001                       2000
                                          ---------------------      --------------------      --------------------
                                          Book Value      Yield      Book Value     Yield      Book Value     Yield
                                            (000's)         %          (000's)        %          (000's)       %
                                          ----------      -----      ---------      -----      ---------      -----
<S>                                       <C>             <C>        <C>            <C>        <C>           <C>
U.S. Government debentures
   One year or less                          $6,066        2.88%       $8,591        2.71%        $4,895       6.35%
   Over 1 year through five years             6,782        3.70%       11,563        4.95%         9,469       6.52%
   Over 5 years through 10 years              3,045        5.07%        2,017        5.85%          ----       ----
   Over 10 years                               ----        ----          ----                       ----       ----
                                          ----------      -----      ---------      -----      ---------      -----
                                             15,893        3.65%       22,171        4.16%        14,364       6.46%
                                          ----------      -----      ---------      -----      ---------      -----

Municipal securities *
   One year or less                          $2,689        4.64%         $617        4.55%        $ ----       ----
   Over 1 year through five years             2,865        5.13%        2,902        5.12%           324       6.90%
   Over 5 years through 10 years              5,164        5.77%        1,917        6.06%          ----       ----
   Over 10 years                                248        5.66%          217        6.38%          ----       ----
                                          ----------      -----      ---------      -----      ---------      -----
                                             10,966        5.32%        5,653        5.42%           324       6.90%
                                          ----------      -----      ---------      -----      ---------      -----
U.S. Government mortgage-backed and
   Collateralized mortgage obligations       31,631        4.45%       17,711        5.52%         5,508       5.34%

FHLB stock                                    2,219        5.75%          875        6.25%           446       8.25%


</TABLE>

     *  weighted yield on municipal securities is calculated on a taxable
        equivalent basis

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



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.










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



LOAN PORTFOLIO

         The following table sets forth the composition of our loan portfolios
as of the dates indicated. The loan amounts in the table reflect amounts and the
dates indicated before deductions for loans in process, deferred loan fees and
discounts and allowance for credit losses. Additional information and
discussion, concerning our loan portfolio is presented in the Stockholder Report
attached to this Form 10-KSB in Exhibit 13.

<TABLE>
<CAPTION>
                                2002       2001       2000       1999       1998
                            --------   --------   --------   --------   --------
<S>                        <C>         <C>        <C>       <C>         <C>
Commercial real estate      $122,917   $104,460   $104,530   $ 86,832   $ 49,975
Commercial and industrial     29,127     23,714     17,423     18,742     14,123
Residential real estate       41,373     17,497     24,021     25,676     29,246
Home equity lines              4,949      3,703      4,400      4,244      4,621
Consumer loans                 5,161      4,324      5,366      5,352      4,069
Credit cards                     522        513        523        466        370
                            --------   --------   --------   --------   --------
     Total loans            $204,049   $154,211   $156,263   $141,312   $102,404
                            ========   ========   ========   ========   ========
</TABLE>

         Commercial (and multi-family) real estate loans make up the largest
component of our loan portfolio. Loans secured by commercial and multi-family
real estate properties are generally larger and involve a greater degree of risk
than one- to four-family residential mortgage loans. Commercial and multi-family
real estate loans typically involve large balances to single borrowers or groups
of related borrowers. Because payments on loans secured by commercial and
multi-family real estate properties are often dependent on the successful
operation or management of the properties, repayment of such loans may be
subject to adverse conditions in the real estate market or the economy. If the
cash flow from the project is reduced (for example, if leases are not obtained
or renewed), the borrower's ability to repay the loan may be impaired. We
attempt to minimize the risks associated with these transactions by generally
limiting our commercial real estate lending to owner-operated properties of
well-known customers or new customers whose businesses have an established
profitable history. In many cases, risk is further reduced by limiting the
amount of credit to any one borrower to an amount less than our legal lending
limit and avoiding certain types of commercial real estate financing.

         Our commercial and industrial business lending activities have
encompassed loans with a variety of purposes and security, including loans to
finance inventory and equipment. Generally, our commercial business lending has
been done as an accommodation to existing borrowers and has been limited to
borrowers headquartered, or doing business, in our primary market area.
Commercial and industrial business loans generally involve different risks than
residential and commercial mortgage loans. Commercial and industrial business
loans are of higher risk and typically are made on the basis of the borrower's
ability to make repayment from the cash flow of the borrower's business. As a
result, the availability of funds for the repayment of commercial business loans
may be substantially dependent on the success of the business itself, rather
than on the value of the real estate that secures mortgage loans.





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


         The following table illustrates the nominal interest rate sensitivity
of selected loan portfolios at December 31, 2002. Loans which have adjustable or
renegotiable interest rates are shown as maturing in the period during which the
contract is due. The table does not reflect the effects of interest rate
adjustments and possible repayments.

<TABLE>
<S>                                                        <C>
Commercial and Industrial
Loans due during the years ending December 31,
   2003                                                     $13,936
   2004 to 2007                                              11,758
   2008 and thereafter                                        3,433
                                                            -------
Total loans                                                 $29,127
                                                            =======
</TABLE>

         The total amount of loans due after December 31, 2003 which have fixed
interest rates is $9.8 million, while the total amount of these loans due after
such date which have floating or adjustable interest rates is $5.4 million. Some
loans may have floor interest rate levels which are reported as fixed interest
rate loans.

<TABLE>
<S>                                                            <C>
Real estate construction loans
Loans due during the years ending December 31,
   2003                                                          $7,657
   2004 to 2007                                                   6,420
   2008 and thereafter                                             ----
                                                                -------
Total loans                                                     $14,077
                                                                =======
</TABLE>

         The total amount of loans due after December 31, 2003 which have fixed
interest rates is $3.3 million, while the total amount of loans due after such
date which have floating or adjustable interest rates is $3.1 million. Some
loans may have floor interest rate levels which are reported as fixed interest
rate loans.

         Real estate construction loans were comprised of $760,000 in
residential real estate and the remaining $13.3 million in commercial real
estate loans.




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


ALLOWANCE FOR CREDIT LOSSES

         The following table contains charge-offs and recoveries of types of
loans for the years presented. Additional information and discussion is
presented in the Stockholder Report attached to this Form 10-KSB as Exhibit 13.

<TABLE>
<CAPTION>
                                       2002      2001      2000      1999      1998
                                      ------    ------    ------    ------    ------
<S>                                   <C>      <C>        <C>       <C>       <C>
                                                       (000's)

Balance at beginning of the period    $2,930    $2,654    $1,927    $1,330    $  800
Charge-offs:
Commercial real estate                   193      ----      ----      ----      ----
Commercial and industrial                190       184        96       216      ----
Residential real estate                 ----      ----      ----        41      ----
Home equity lines                       ----      ----      ----      ----      ----
Consumer loans                            57        65        48        14      ----
Credit cards                              28        12        12         1      ----
                                      ------    ------    ------    ------    ------
     Total charge-offs                   468       261       156       272      ----
                                      ------    ------    ------    ------    ------

Recoveries:
Commercial real estate                  ----      ----      ----      ----      ----
Commercial and industrial                114        42        15        18      ----
Residential real estate                   31      ----      ----      ----      ----
Home equity lines                       ----      ----      ----      ----      ----
Consumer loans                            14        17        13      ----      ----
Credit cards                               1         3      ----      ----      ----
                                      ------    ------    ------    ------    ------
     Total recoveries                    160        62        28        18      ----
                                      ------    ------    ------    ------    ------
Net charge-offs
Provision charged to earnings            755       475       855       851       530
                                      ------    ------    ------    ------    ------
Balance at the end of the period      $3,377    $2,930    $2,654    $1,927    $1,330
                                      ======    ======    ======    ======    ======

Ratio of net charge-offs during the
   period to average loans during
   the period                           0.18%     0.13%     0.08%     0.21%     0.00%
</TABLE>





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



NONPERFORMING ASSETS

         The table below sets forth the amounts and categories of nonperforming
assets in our loan portfolio. See "Loans" and "Allowance for Credit Losses"
under Notes 4 and 5 of Notes to Consolidated Financial Statements and page 34 of
"Management's Discussion and Analysis of Financial Condition and Results of
Operations" in the Stockholder Report for a discussion on impaired loans. For
all years presented, we have had no troubled debt restructuring, which involve
forgiving a portion of interest or principal on any loans or making loans at a
rate materially less than that of market rates.


<TABLE>
<CAPTION>
                                                   December 31,

                                   2002      2001      2000      1999      1998
                                  ------    ------    ------    ------    ------
                                                    (000's)
<S>                               <C>       <C>     <C>         <C>      <C>
Nonaccrual loans
   Commercial real estate         $  419    $2,383    $ ----    $ ----    $ ----
   Commercial and industrial           8        23       488        15      ----
   Residential real estate           311       166       174       453      ----
   Home equity lines                 101      ----      ----      ----      ----
   Consumer loans                   ----      ----      ----      ----      ----
   Credit cards                     ----      ----      ----      ----      ----
                                  ------    ------    ------    ------    ------
Total                                839     2,572       662       468      ----

Accruing loans delinquent more
than 90 days
   Commercial real estate          $----    $ ----    $ ----    $ ----    $ ----
   Commercial and industrial        ----      ----      ----      ----      ----
   Residential real estate          ----      ----        56       128      ----
   Home equity lines                ----      ----      ----        34      ----
   Consumer loans                   ----         4        96        11      ----
   Credit cards                        6         6      ----         5         1
                                  ------    ------    ------    ------    ------
Total                                  6        10       152       178         1

Other real estate owned
   Commercial real estate            320      ----      ----      ----      ----
                                  ------    ------    ------    ------    ------
Total nonperforming assets        $1,165    $2,582    $  814    $  646    $    1
                                  ======    ======    ======    ======    ======

Total nonperforming loans as a
   percentage of total loans        0.41%     1.67%     0.52%     0.46%     0.00%

Total nonperforming assets as a
   percentage of total assets       0.41%     1.10%     0.38%     0.35%     0.00%

</TABLE>




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



ANALYSIS OF ALLOWANCE FOR CREDIT LOSSES (000'S)

         The following table contains reserve allocations for types of loans for
the years presented. Additional information and discussion is presented in the
Stockholder Report attached to this Form 10-KSB as Exhibit 13.

<TABLE>
<CAPTION>

                           Commercial     Commercial    Residential   Home Equity    Consumer      Credit
                           Real Estate  and Industrial  Real Estate      Lines         Loans        Cards   Unallocated     Total
                           -----------  --------------  -----------   -----------    --------      -------  -----------     -----
<S>                        <C>          <C>             <C>           <C>            <C>           <C>      <C>            <C>
Balances:

December 31, 2002            $2,561          $607            $84            $16          $59          $26        $24        $3,377
   % of loans in category     60.2%         14.3%          20.3%           2.4%         2.5%         0.3%                   100.0%

December 31, 2001            $2,092          $474            $53            $12          $46          $12       $241        $2,930
   % of loans in category     67.7%         15.4%          11.3%           2.4%         2.8%         0.4%                   100.0%

December 31, 2000            $2,040          $340            $68            $10         $100           $2        $94        $2,654
   % of loans in category     66.9%         11.1%          15.4%           2.8%         3.4%         0.4%                   100.0%

December 31, 1999            $1,104          $304            $56            $13          $86          $30       $334        $1,927
   % of loans in category     61.4%         13.3%          18.2%           3.0%         3.8%         0.3%                   100.0%

December 31, 1998              $699          $197           $172            $14          $27           $6       $215        $1,330
   % of loans in category     48.8%         13.8%          28.6%           4.5%         4.0%         0.3%                   100.0%

</TABLE>


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, 2002, the legal lending
limit was approximately $3.7 million; however, that limit can be expanded (for
individual loans) to approximately $6.1 million with 2/3 approval of the Board
of Directors.





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



RETURN ON EQUITY AND ASSETS

         The following table contains selected ratios:

<TABLE>
<CAPTION>
                                                            Year ended December 31,
                                                     2002              2001             2000
                                                     -----             -----            -----
<S>                                                <C>               <C>              <C>
         Return on average total assets                .70%             0.75%            0.73%
         Return on average equity                     8.49%             8.23%            7.93%
         Dividend payout ratio                       22.15%               NA                NA
         Average equity to average assets             8.26%             9.06%            9.15%
</TABLE>


MATURITIES OF TIME CERTIFICATES OF DEPOSIT OF $100,000 OR MORE (000'S)

         The following table indicates the maturity of certificates of deposit
with balances of $100,000 or more at December 31, 2002.

<TABLE>
<S>                                         <C>
Up to three months                            $38,301
Three months to six months                      4,325
Six months to twelve months                    14,271
Over twelve months                             20,773
                                              -------
                                              $77,670
                                              =======
</TABLE>






                                       13
<PAGE>
COMMUNITY CENTRAL BANK CORPORATION
FORM 10-KSB (continued)

EARNINGS

         Major components of the operating results of the Corporation for 2002
through 1998 are presented in the accompanying table, summary of operations. A
discussion of these results are presented in greater detail in subsequent pages
and exhibits.

Summary of Operations (000's)
<TABLE>
<CAPTION>
                                         2002              2001             2000              1999         1998
                                      -------           -------          -------           -------      -------
<S>                                   <C>               <C>              <C>               <C>          <C>
Interest income                       $14,956           $15,534          $16,680           $12,548       $8,982
Interest expense                        6,533             8,015            8,872             6,472        5,039
                                      -------           -------          -------           -------      -------
Net interest income                     8,423             7,519            7,808             6,076        3,943
Provision for credit losses               755               475              855               851          530

Non-interest income                     5,511             1,775              564               653          441
Non-interest expense                   10,541             6,361            5,275             4,332        3,524
                                      -------           -------          -------           -------      -------
Income before cumulative effect of
   change in accounting principle       2,638             2,458            2,242             1,546          330

Provision for income tax expense          828               832              818               563        (774)

Cumulative effect of change in
   accounting principle, net of tax      ----              ----             ----              (57)          ---
                                      -------           -------          -------           -------      -------
Net income                             $1,810            $1,626           $1,424              $926       $1,104
                                      =======           =======          =======           =======      =======
Per share data:
Basic earnings                          $0.69             $0.62            $0.55             $0.35        $0.55
Diluted earnings                        $0.68             $0.62            $0.55             $0.35        $0.54
Dividend declared                       $0.15             $----            $----             $----        $----
</TABLE>


ADDITIONAL STATISTICAL DATA

         The additional consolidated statistical information is presented under
the caption "Management's Discussion and Analysis of Financial Condition and
Results of Operations" on pages 32 to 41 of the 2002 Stockholder Report attached
to this Form 10-KSB as Exhibit 13.


ITEM 2.  DESCRIPTION OF PROPERTY

         The Bank owns its office located in the downtown business district of
Mount Clemens. The executive offices of the Corporation are located in the same
building. The Bank 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. Additionally, the Mortgage
Company leases facilities in Anchorville, Dearborn, Livonia and Warren,
Michigan.


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.




                                       14
<PAGE>
COMMUNITY CENTRAL BANK CORPORATION
FORM 10-KSB (continued)


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

         None

                                     PART II

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

         The information shown under the caption "Stock Information" on page 42
of the Stockholder Report filed as Exhibit 13 to this Form 10-KSB, is
incorporated herein 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 32 to 41 of
the Stockholder Report filed as Exhibit 13 to this Form 10-KSB, is incorporated
herein by reference.

ITEM 7.  FINANCIAL STATEMENTS

         The information presented under the captions "Consolidated Balance
Sheet," "Consolidated Statement of Income," "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 31 of the Stockholder Report filed as
Exhibit 13 to this Form 10-KSB, as well as the Independent Auditor's Report of
Plante & Moran, PLLC, dated January 24, 2003, included in the Stockholder
Report, are incorporated herein by reference.

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

         None




                                       15
<PAGE>
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

DIRECTORS

         The information listed under the caption "Election of Directors -
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 15,
2003, (the "Proxy Statement"), a copy of which has been filed with the
Securities and Exchange Commission is incorporated herein by reference.

EXECUTIVE OFFICERS

         The following is a list of the executive officers of the Corporation
and the Bank, together with their ages and their positions at December 31, 2002.
Executive officers of the Corporation are elected annually by the 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>
     David A. Widlak
       Chairman of the Board and CEO                    2000                      54

     Ronald R. Reed
       President and CEO
       Community Central Bank                           2000                      56

     Dean S. Petitpren
       President
       Community Central Bank Corporation               2001                      60

     Ray T. Colonius
       Corporate Treasurer                              1999                      45

</TABLE>

         David A. Widlak previously held the position of President and Chief
Executive Officer of Central Holding Company. Ronald R. Reed previously 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. Mr. Petitpren has been President of Petitpren, Inc. a wholesaler beer
distributor located in Macomb County from 1961 to present. Ray T. Colonius
previously held a position of C.F.O. with Logicom Telecommunications for one
year prior to his position with the Corporation. Prior to that he served at
Huntington Banks of Michigan for approximately 14 years in various financial
officer positions.


COMPLIANCE WITH SECTION 16(a)

         To our knowledge, based solely on a review of the copies of such
reports furnished to us and written representations that no other reports were
required, during the fiscal year ended December 31, 2002, all Section 16(a)
filing requirements applicable to our officers, directors and 10% beneficial
owners were complied with.





                                       16
<PAGE>
COMMUNITY CENTRAL BANK CORPORATION
FORM 10-KSB (continued)



ITEM 10. EXECUTIVE COMPENSATION

         The information detailed in the last two paragraphs under the caption
"Election of Directors - Board of Directors Meetings and Committees; Director
Compensation," and under the captions "Executive Compensation" in the Proxy
Statement is incorporated herein by reference.

ITEM 11. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND
RELATED STOCKHOLDER MATTERS

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

PLAN CATEGORY
<TABLE>
<CAPTION>
                                                                                          Number of Securities
                                    Number of Securities                                  Remaining Available For
                                    To be issued upon         Weighted Average            Future Issuance Under
                                    Exercise of               Exercise Price of           Equity Compensation Plans
                                    Outstanding Options,      Outstanding Options         (excluding securities
                                    Warrants and Rights       Warrants and Rights         reflected in column (a))
                                           (a)                        (b)                         (c)
                                    --------------------      -------------------         ------------------------
<S>                                 <C>                       <C>                         <C>
Equity compensation plans
   approved by security holders             211,511                    $7.13                       131,971

Equity compensation plans not
   approved by security holders                ----                   $ ----                          ----
                                    --------------------      -------------------         ------------------------
Total                                       211,511                    $7.13                       131,971

</TABLE>


ITEM 12.  CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

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








                                       17
<PAGE>
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)

         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)

         4.1      Specimen stock certificate of Community Central Bank
                  Corporation is incorporated by reference to exhibit 4.1 of the
                  Corporation's Registration Statement on Form SB-2 (Commission
                  File No. 333-04113).

         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)

         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

         10.3     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)

         10.4     2000 Employee Stock Option Plan is incorporated by reference
                  to exhibit 10.6 of the Corporation's Annual Report to the SEC
                  on Form 10-KSB for the year ending December 31, 2000.
                  (Commission File No. 333-04113)

         10.5     2002 Incentive Plan is incorporated by reference to exhibit
                  10.7 of the Corporation's Annual Report to the SEC on Form
                  10-KSB for the year ending December 31, 2001. (Commission File
                  No. 333-04113)

         11       Computation of Per Share Earnings

         13       2002 Stockholder Report (without Notice of Annual Meeting or
                  Proxy Statement referred to on the cover of the 2002
                  Stockholder Report). Except for the portions of the 2002
                  Stockholder Report that are expressly incorporated by
                  reference in this Stockholder Report on Form 10-KSB, the 2002
                  Annual Report of the Corporation shall not be deemed filed as
                  a part hereof

         21       List of subsidiaries of the Corporation

         23       Consent of Independent Auditor

         99       Certification pursuant to Section 906 of the Sarbanes-Oxley
                  Act of 2002

(b)  Reports on Form 8-K

         The Corporation filed a Current Report on Form 8-K with the SEC on
November 20, 2002, containing a press release dated November 19, 2002 announcing
Community Central Bank Corporation's declaration of a cash dividend and a press
release dated November 20, 2002, announcing Community Central Bank Corporation's
stock repurchase program.




                                       18
<PAGE>
COMMUNITY CENTRAL BANK CORPORATION
FORM 10-KSB (continued)

ITEM 14.  CONTROLS AND PROCEDURES

         An evaluation of the Registrant's disclosure controls and procedures
(as defined in Section 13(a)-14(c) of the Securities Exchange Act of 1934 (the
"Act")) was carried out under the supervision and with the participation of the
Registrant's Chief Executive Officer, Chief Financial Officer and several other
members of the Registrant's senior management within the 90-day period preceding
the filing date of this annual report. The Registrant's Chief Executive Officer
and Chief Financial Officer concluded that the Registrant's disclosure controls
and procedures as currently in effect are effective in ensuring that the
information required to be disclosed by the Registrant in the reports it files
or submits under the Act is (i) accumulated and communicated to the Registrant's
management (including the Chief Executive Officer and Chief Financial Officer)
in a timely manner, and (ii) recorded, processed, summarized and reported within
the time periods specified in the SEC's rules and forms. Since the date of this
evaluation there have been no significant changes in, or corrective actions
taken regarding, the Registrant's internal controls or in other factors that
could significantly affect these controls.

         The Registrant intends to continually review and evaluate the design
and effectiveness of its disclosure controls and procedures and to improve its
controls and procedures over time and to correct any deficiencies that it may
discover in the future. The goal is to ensure that senior management has timely
access to all material financial and non-financial information concerning the
Registrant's business. While the Registrant believes the present design of its
disclosure controls and procedures is effective to achieve its goal, future
events affecting its business may cause the Registrant to modify its disclosure
controls and procedures.








                                       19
<PAGE>
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 28, 2003:


                                    COMMUNITY CENTRAL BANK CORPORATION


                                    /S/ DAVID A. WIDLAK
                                    --------------------------------
                                    David A. Widlak; Chairman and
                                    Chief Executive Officer
                                     (Duly authorized 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 28, 2003:


/S/ GEBRAN S. ANTON                 /S/ JOSEPH F. JEANNETTE
-------------------------------     --------------------------------
Gebran S. Anton; Director           Joseph F. Jeannette; Director

/S/ DAVID E. BONIOR                 /S/ DEAN S. PETITPREN
-------------------------------     --------------------------------
David E. Bonior; Director           Dean S. Petitpren; President and Director

/S/ JOSEPH CATENACCI                /S/ RONALD R. REED
-------------------------------     --------------------------------
Joseph Catenacci; Director          Ronald R. Reed; Vice-Chairman and Director

/S/ SALVATORE COTTONE               /S/ MICHAEL D. SCHWARTZ
-------------------------------     --------------------------------
Salvatore Cottone; Director         Michael D. Schwartz; Director

/S/ CELESTINA GILES                 /S/ DAVID A. WIDLAK
-------------------------------     --------------------------------
Celestina Giles; Director           David A. Widlak; Chairman of the Board
                                      and Chief Executive Officer, and Director
                                      (principal executive officer)

/S/ BOBBY L. HILL                   /S/ RAY T. COLONIUS
-------------------------------     --------------------------------
Bobby L. Hill; Director             Ray T. Colonius, Treasurer
                                    (principal financial and accounting officer)





                                       20
<PAGE>
COMMUNITY CENTRAL BANK CORPORATION
FORM 10-KSB (continued)


                                  CERTIFICATION

I, David A. Widlak, certify that:

         1.       I have reviewed this annual report on Form 10-KSB of Community
                  Central Bank Corporation;

         2.       Based on my knowledge, this annual report does not contain any
                  untrue statement of a material fact or omit to state a
                  material fact necessary to make the statements made, in light
                  of the circumstances under which such statements were made,
                  not misleading with respect to the period covered by this
                  annual report;

         3.       Based on my knowledge, the consolidated financial statements,
                  and other financial information included in this annual
                  report, fairly present in all material respects the
                  consolidated financial condition, results of operations and
                  cash flows of the registrant as of, and for, the periods
                  presented in this annual report;

         4.       The registrant's other certifying officer and I are
                  responsible for establishing and maintaining disclosure
                  controls and procedures (as defined in Exchange Act Rules
                  13a-14 and 15d-14) for the registrant and have:

                    a.     designed such disclosure controls and procedures to
                           ensure that material information relating to the
                           registrant, including its consolidated subsidiaries,
                           is made known to us by others within those entities,
                           particularly during the period in which this annual
                           report is being prepared;

                    b.     evaluated the effectiveness of the registrant's
                           disclosure controls and procedures as of a date
                           within 90 days prior to the filing date of this
                           annual report (the "Evaluation Date"); and

                    c.     presented in this annual report our conclusions about
                           the effectiveness of the disclosure controls and
                           procedures based on our evaluation as of the
                           Evaluation Date;

         5.       The registrant's other certifying officer and I have
                  disclosed, based on our most recent evaluation, to the
                  registrant's auditors and the audit committee of registrant's
                  board of directors (or persons performing the equivalent
                  functions):

                    a.     all significant deficiencies in the design or
                           operation of internal controls which could adversely
                           affect the registrant's ability to record, process,
                           summarize and report financial data and have
                           identified for the registrant's auditors any material
                           weaknesses in internal controls; and

                    b.     any fraud, whether or not material, that involves
                           management or other employees who have a significant
                           role in the registrant's internal controls; and

         6.       The registrant's other certifying officer and I have indicated
                  in this annual report whether there were significant changes
                  in internal controls or in other factors that could
                  significantly affect internal controls subsequent to the date
                  of our most recent evaluation, including any corrective
                  actions with regard to significant deficiencies and material
                  weaknesses.



Date:  March 28, 2003

                                        By: /s/ David A. Widlak
                                           ------------------------------------
                                        David A. Widlak
                                        Chairman of the Board and CEO
                                        (Principal Executive Officer)


                                       21
<PAGE>
COMMUNITY CENTRAL BANK CORPORATION
FORM 10-KSB (continued)



                                  CERTIFICATION

I, Ray T. Colonius, certify that:

         1.       I have reviewed this annual report on Form 10-KSB of Community
                  Central Bank Corporation;

         2.       Based on my knowledge, this annual report does not contain any
                  untrue statement of a material fact or omit to state a
                  material fact necessary to make the statements made, in light
                  of the circumstances under which such statements were made,
                  not misleading with respect to the period covered by this
                  annual report;

         3.       Based on my knowledge, the consolidated financial statements,
                  and other financial information included in this annual
                  report, fairly present in all material respects the
                  consolidated financial condition, results of operations and
                  cash flows of the registrant as of, and for, the periods
                  presented in this annual report;

         4.       The registrant's other certifying officer and I are
                  responsible for establishing and maintaining disclosure
                  controls and procedures (as defined in Exchange Act Rules
                  13a-14 and 15d-14) for the registrant and have:

                    a.     designed such disclosure controls and procedures to
                           ensure that material information relating to the
                           registrant, including its consolidated subsidiaries,
                           is made known to us by others within those entities,
                           particularly during the period in which this annual
                           report is being prepared;

                    b.     evaluated the effectiveness of the registrant's
                           disclosure controls and procedures as of a date
                           within 90 days prior to the filing date of this
                           annual report (the "Evaluation Date"); and

                    c.     presented in this annual report our conclusions about
                           the effectiveness of the disclosure controls and
                           procedures based on our evaluation as of the
                           Evaluation Date;

         5.       The registrant's other certifying officer and I have
                  disclosed, based on our most recent evaluation, to the
                  registrant's auditors and the audit committee of registrant's
                  board of directors (or persons performing the equivalent
                  functions):

                    a.     all significant deficiencies in the design or
                           operation of internal controls which could adversely
                           affect the registrant's ability to record, process,
                           summarize and report financial data and have
                           identified for the registrant's auditors any material
                           weaknesses in internal controls; and

                    b.     any fraud, whether or not material, that involves
                           management or other employees who have a significant
                           role in the registrant's internal controls; and

         6.       The registrant's other certifying officer and I have indicated
                  in this annual report whether there were significant changes
                  in internal controls or in other factors that could
                  significantly affect internal controls subsequent to the date
                  of our most recent evaluation, including any corrective
                  actions with regard to significant deficiencies and material
                  weaknesses.



Date:  March 28, 2003

                                  By: /s/ Ray T. Colonius
                                     --------------------------------------
                                  Ray T. Colonius
                                  Treasurer
                                  (Principal Financial and Accounting Officer)




                                       22
<PAGE>
COMMUNITY CENTRAL BANK CORPORATION
FORM 10-KSB (continued)




                                  EXHIBIT INDEX

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

         11           Computation of Per Share Earnings

         13           2002 Stockholder Report (without Notice of Annual Meeting
                      or Proxy Statement referred to on the cover of the 2002
                      Stockholder Report). Except for the portions of the 2002
                      Stockholder Report that are expressly incorporated by
                      reference in this Stockholder Report on Form 10-KSB, the
                      2002 Annual Report of the Corporation shall not be deemed
                      filed as a part hereof

         21           List of subsidiaries of the Corporation.

         23           Consent of Independent Auditor

         99           Certification pursuant to Section 906 of the
                      Sarbanes-Oxley Act of 2002