Securities and Exchange Commission
                            Washington D.C.  20549

                                  FORM 10-Q

[  X  ]    Quarterly Report Pursuant to Section 13 or 15 (d) of the Securities
Exchange  Act  of  1934  For  the  Period  Ended  June  30,  2000.

[      ]  Transition Report Pursuant to Section 13 or 15 (d) of the Securities
Exchange  Act  of  1934  For  the  Transition  Period From -_______________ to
________________.

Commission  file  number    0-22562


     CROSSMANN  COMMUNITIES,  INC.
<TABLE>

<CAPTION>



<S>                                       <C>

INDIANA                                                    35-1880120
----------------------------------------  ---------------------------
 (State of incorporation)                 (I.R.S. Identification No.)
  9210 NORTH MERIDIAN STREET
INDIANAPOLIS, IN                                                46260
----------------------------------------  ---------------------------
(Address of principal executive offices)                   (Zip Code)
(317) 843-9514
----------------------------------------
 (Telephone number)
</TABLE>



Indicate  by check mark whether the registrant (1) has filed all documents and
reports  required  to  be  filed  by  Section  13  or 15 (d) of the Securities
Exchange  Act  of  1934  during  the  preceding 12 months (or for such shorter
periods  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




   There were 10,432,045  Common shares outstanding as of August 11, 2000.






<PAGE>
                         CROSSMANN COMMUNITIES, INC.
                                  FORM 10-Q

                                    INDEX

Part  I.  Financial  Information.

     Item  1.          Financial  Statements.

Consolidated  balance  sheets as of June 30, 2000 (unaudited) and December 31,
1999.

Consolidated  unaudited  statements of income for the Three Months Ended June
30,  2000  and  1999,  and  for  the  Six Months Ended June 30, 2000 and 1999.

Consolidated  unaudited statements of cash flows for the Six Months Ended June
30,  2000  and  1999.

Notes  to consolidated unaudited financial statements for the Six Months Ended
June  30,  2000  and1999.

     Item  2.      Management's Discussion and Analysis of Financial Condition
and  Results  of  Operations.


Part  II.  Other  Information

     Item  1.          Legal  Proceedings.

     Item  2.          Changes  in  Securities.

     Item  3.          Defaults  upon  Senior  Securities.

     Item  4.          Submission  of  Matters  to a Vote of Security Holders.

     Item  5.          Other  Information.

     Item  6.          Exhibits  and  Reports  on  Form  8-K.


Signatures.


<PAGE>
                       PART I.  FINANCIAL INFORMATION.

Item  1.    Financial  Statements
<TABLE>

<CAPTION>

                          CROSSMANN COMMUNITIES, INC.
                               AND SUBSIDIARIES

                          CONSOLIDATED BALANCE SHEETS




<S>                                         <C>              <C>

                                            JUNE 30, 2000    DECEMBER 31, 1999
                                            ---------------  ------------------
                                                (UNAUDITED)
                                            ---------------
ASSETS
  Cash and cash equivalents                 $    13,874,778  $       13,635,911
  Unfunded settlements                            7,432,283           1,286,099
  Retainages                                      1,475,872           1,198,342
  Real estate inventories                       280,642,811         259,995,959
  Furniture and equipment, net                    4,660,076           4,753,141
  Investments in joint ventures                  25,954,273          27,669,884
  Goodwill, net                                  16,603,328          17,597,512
  Other assets                                   14,888,591          13,738,257
                                            ---------------  ------------------
Total assets                                $   365,532,012  $      339,875,105
                                            ===============  ==================


LIABILITIES AND SHAREHOLDERS' EQUITY
  Accounts payable                          $    21,106,221  $       22,335,253
  Accrued expenses and other liabilities          9,277,416           9,101,392
  Notes payable                                 146,524,488         119,959,088
                                            ---------------  ------------------
Total liabilities                               176,908,125         151,395,733

Commitments and contingencies

Shareholders' equity:
  Common shares                                  49,877,762          63,616,282
  Retained earnings                             138,746,125         124,863,090
                                            ---------------  ------------------
Total shareholders' equity                      188,623,887         188,479,372
                                            ---------------  ------------------
Total liabilities and shareholders' equity  $   365,532,012  $      339,875,105
                                            ===============  ==================
<FN>

See  accompanying  notes.
</TABLE>





<TABLE>

<CAPTION>

                                  CROSSMANN COMMUNITIES, INC.
                                        AND SUBSIDIARIES

                         CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)

                     THREE  MONTHS  ENDED  JUNE  30,            SIX  MONTHS  ENDED  JUNE  30,


<S>                                   <C>            <C>            <C>            <C>

                                              2000           1999           2000           1999
                                      -------------  -------------  -------------  -------------

Sales of residential real estate      $153,687,292   $136,241,679   $260,213,260   $226,657,752
Cost of residential real estate sold   122,954,294    108,321,213    208,126,040    180,637,503
                                      -------------  -------------  -------------  -------------
Gross profit                            30,732,998     27,920,466     52,087,220     46,020,249

Selling, general and
 administrative                         15,177,105     14,419,824     29,514,858     25,886,129
                                      -------------  -------------  -------------  -------------
Income from operations                  15,555,893     13,500,642     22,572,362     20,134,120

Other income, net                          155,988      1,753,825      1,332,526      2,320,092
Interest expense                          (651,087)      (548,108)    (1,301,560)    (1,023,708)
                                      -------------  -------------  -------------  -------------
                                          (495,099)     1,205,717         30,876      1,296,384
                                      -------------  -------------  -------------  -------------

Income before income taxes              15,060,794     14,706,359     22,603,238     21,430,504
Income taxes                             5,722,719      5,868,107      8,720,203      8,557,931
                                      -------------  -------------  -------------  -------------
Net income                            $  9,338,075   $  8,838,252   $ 13,883,035   $ 12,872,573
                                      =============  =============  =============  =============

Weighted average number of
 common shares outstanding:
     Basic                              10,758,531     11,568,358     11,049,835     11,556,137
     Diluted                            10,932,379     11,812,638     11,225,659     11,788,531
                                      =============  =============  =============  =============
Net income per common share:
     Basic                            $        .87   $        .76   $       1.26   $       1.11
     Diluted                          $        .85   $        .75   $       1.24   $       1.09
                                      =============  =============  =============  =============
<FN>

See  accompanying  notes.
</TABLE>



<TABLE>

<CAPTION>

                            CROSSMANN COMMUNITIES, INC.
                                  AND SUBSIDIARIES

                 CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED)


<S>                                               <C>               <C>

                                                  SIX MONTHS        SIX MONTHS
                                                  ENDED JUNE 30,    ENDED JUNE 30,
                                                  ----------------  ----------------
                                                             2000              1999
                                                  ----------------  ----------------
OPERATING ACTIVITIES:
Net Income                                        $    13,883,035   $    12,872,573
Adjustments to reconcile net income to net cash
  flows from operating activities:
    Depreciation                                          561,658           676,011
    Amortization                                          971,111           364,603
     Equity in earnings of affiliates                    (561,690)       (1,211,170)
    Cash provided (used) by changes in:
      Retainages                                         (277,530)         (737,439)
      Amounts due from related parties                                     (324,599)
      Real estate inventories                         (20,646,852)      (43,804,306)
      Other assets                                     (7,273,445)       (2,883,028)
      Accounts payable                                 (1,229,032)       (2,087,903)
      Accrued expenses and other liabilities              176,024          (588,968)
                                                  ----------------  ----------------
Net cash flows used by operating activities           (14,396,721)      (35,301,886)

INVESTING ACTIVITIES:
Purchases of furniture and equipment                     (468,593)       (1,410,226)
Investments in joint ventures                           2,277,301        (3,382,692)
Business acquisitions                                         -0-        (4,363,760)
                                                  ----------------  ----------------
Net cash provided (used by) investing activities        1,808,708        (9,156,678)

FINANCING ACTIVITIES:
Proceeds from bank borrowing                          112,240,000       124,641,879
Principal payments on bank borrowing                  (85,635,000)      (94,817,000)
Payments on notes and long-term debt                      (39,600)         (689,152)
Repurchase of common shares                           (13,840,810)              -0-
Net proceeds from sale of common shares                   102,290           350,063
                                                  ----------------  ----------------
Net cash provided by financing activities              12,826,880        33,485,790
                                                  ----------------  ----------------

Net increase in cash and cash equivalents                 238,867       (13,395,114)
Cash and cash equivalents at beginning of period       13,635,911        18,011,456
                                                  ----------------  ----------------
Cash and cash equivalents at end of period        $    13,874,778   $     4,616,342
                                                  ================  ================
<FN>

See  accompanying  notes.
</TABLE>





CROSSMANN  COMMUNITIES,  INC.  AND  SUBSIDIARIES

NOTES  TO  UNAUDITED  CONSOLIDATED  FINANCIAL  STATEMENTS

BASIS  OF  PRESENTATION
Crossmann  Communities,  Inc.  ("Crossmann"  or  the  "Company")  is  engaged
primarily  in  the  development,  construction,  marketing  and  sale  of  new
single-family homes for first-time and first move-up buyers.  The Company also
acquires  and  develops  land  for  construction  of such homes and originates
mortgage  loans  for  the  buyers.   The Company operates in Indianapolis, Ft.
Wayne,  Lafayette and Southern Indiana; Cincinnati, Columbus and Dayton, Ohio;
Lexington,  Kentucky; Memphis and Nashville, Tennessee; Charlotte and Raleigh,
North  Carolina;  and  in Myrtle Beach, South Carolina.  The Company is in the
process  of  withdrawing  from  the  Louisville,  Kentucky  market.

The  accompanying  unaudited  consolidated  financial  statements  have  been
prepared  in  accordance with the instructions to Form 10-Q and  Article 10 of
Regulation  S-X.  Accordingly, the unaudited consolidated financial statements
do  not  include  all  of the information and footnotes required by accounting
principles  generally  accepted  in  the United States of America for complete
financial  statements.    In  the  opinion  of  the  Company,  all adjustments
(consisting  of  normal  recurring  accruals)  considered necessary to present
fairly  the  consolidated  financial  statements  have  been  included.

ITEM  2.    MANAGEMENT'S  DISCUSSION  AND ANALYSIS OF FINANCIAL CONDITIONS AND
RESULTS  OF  OPERATIONS.

Management's  discussion  and  analysis  may  include certain "forward-looking
statements,"  as  defined  in  the Private Securities Litigation Reform Act of
1995.    Such  statements  may involve unstated risks, uncertainties and other
factors  that  may  cause  actual  results  to  differ  materially.

The Company's business and the homebuilding industry in general are subject to
changes  in  economic  conditions,  including,  but not limited to, employment
levels,  interest rates, the availability of credit, and consumer confidence.
The  Company's  success  over  the past several years has been influenced by a
variety  of  factors  including favorable economic conditions in its principal
markets,  the  availability of capital for expansion, and low interest rates.
To  the  extent  these  conditions  do  not  continue, the Company's operating
results  may  be  adversely  affected.

The  Company's  business  is  also subject to weather-related seasonal factors
that  can  affect  quarter-to-quarter results of operations.   Adverse weather
conditions  during  the first and second quarters of the year usually restrict
site  development work, and construction limitations generally result in fewer
closings  during this period.   Results of operations during the first half of
the year also tend to reflect increased costs associated with adverse weather.
 Warmer,  dryer  weather  during the second half of the year generally permits
higher  closings  and  greater  field  efficiency.

THREE  MONTHS  ENDED JUNE 30, 2000 COMPARED TO THE THREE MONTHS ENDED JUNE 30,
1999.

Results  of  Operation
Sales  for  the three months ended June 30, 2000 increased approximately $17.4
million,  or 12.8%, over the same period in 1999.  This increase reflects more
homes  closed, 1,260 homes in 2000 compared to 1,165 in 1999.   Selling prices
were  higher  approximately $122,000 per home for the period in 2000, compared
to  approximately  $117,000  in  1999.    The increase resulted from a greater
number  of  closings  in  the  higher priced markets in Ohio and Raleigh and a
trend  among  consumers  in  all  markets  to  purchase  more  optional items.

Gross  profit  increased approximately $2.8 million for the three months ended
June  30,  2000,  over  the  same  period  the year before.  Gross profit as a
percentage  of  sales  was  20.0%  in  2000  compared to 20.5%  in 1999.   The
decline  in  gross  margin  was  due  principally to the Company's election to
contribute  toward  financing  assistance for its customers.  Under FHA rules,
builders  are  permitted  to contribute up to 6% of the mortgage amount toward
points,  closing costs, and other selling concessions.  Due to higher mortgage
interest  rates  for consumers in 2000 compared to 1999, Crossmann contributed
more  toward  these  costs  in  2000  than  in  the same quarter one year ago.

Selling,  general and administrative expenses increased approximately $757,300
during  the  three  months  ended June 30, 2000 compared to the same period in
1999,  due  in  part  to  sales commissions on the higher sales.   Commissions
account  for approximately 3.5% of sales.  The balance of selling, general and
administrative  expense  is  relatively  fixed.  Management moved aggressively
during  the  second  quarter  to  reduce  this  fixed spending.  For the first
quarter  of  2000,  spending in this category was approximately $10.6 million;
during the second quarter it was approximately $9.7 million.  Selling, general
and administrative expenses decreased as a percentage of sales to 9.9% in 2000
from  10.6%  in  1999.

Other  income  decreased approximately $1.6 million for the three months ended
June  30, 2000 compared to the same period the year before.  Trinity Homes LLC
("Trinity"),  a homebuilding joint venture in Indianapolis, contributed income
to Crossmann of approximately $173,400, compared to approximately $1.2 million
in  1999.    This decline is attributed to margin pressure from competitors at
Trinity's  price  point  and  to delays in delivering Trinity's larger homes.
Trinity's  contribution to Crossmann's earnings is expected to be depressed in
2000  compared  to  1999 levels due to greater competition at its price point.

Income  before income taxes for the three months ended June 30, 2000 increased
approximately  $354,400,  from  approximately  $14.7  million  in  1999  to
approximately $15.1 million in 2000, an increase of 2.4%. This increase is due
principally  to higher closing volume combined with lower selling, general and
administrative  spending.   Crossmann's better performance offset lower income
from  its  Trinity  joint venture investment.  Income before income taxes as a
percentage  of  sales  decreased to 9.8% of sales in 2000 compared to 10.8% in
1999.

Net  income  was  approximately $500,000 higher for the second quarter of 2000
than  for the second quarter of 1999, an increase of 5.7%.  As a percentage of
sales,  net  income decreased to 6.1 % in the second quarter of 2000 from 6.5%
in  1999.

SIX MONTHS ENDED JUNE 30, 2000 COMPARED TO THE SIX MONTHS ENDED JUNE 30, 1999.

Results  of  Operation
Sales increased approximately $33.6 million, or 14.8%, to approximately $260.2
million  for  the  six  months  ended  June 30, 2000 from approximately $226.7
million  for  the six months ended June 30, 1999.  Sales were higher primarily
as  a  result  of  increased home closings; 2,102 homes were closed in the six
months  ended  June  30,  2000,  compared to 1,938 homes closed during the six
months  ended  June  30,1999.   Selling prices were also higher, approximately
$123,800  per  home  for  the  six  months  ended June 30, 2000 as compared to
approximately  $117,000  during  the  same  period  in  1999.

Gross  profit increased approximately $6.1 million, or 13.2%, to approximately
$52.1  million.  This represents a gross margin of 20.0% of sales in the first
six  months  of  2000 as compared to 20.3% of sales in the first six months of
1999.  The  lower  margin in 2000 is due in part to increased use of financing
assistance  programs  in  2000  compared  to  1999.

Selling,  general  and  administrative  expenses  increased approximately $3.6
million  ,  or  14.0%  ,  to  approximately  $29.5  million.  This increase is
principally  increased sales commissions on the higher sales volume.  Selling,
general and administrative expenses as a percentage of sales declined to 11.3%
in  the first six months of 2000, compared to 11.4% in the first six months of
1999

Other  income  decreased  approximately  $1.0 million for the six months ended
June  30, 2000 compared to the same period the year before.  Trinity Homes LLC
("Trinity"),  a homebuilding joint venture in Indianapolis, contributed income
to Crossmann of approximately $561,700, compared to approximately $1.4 million
in  1999.
Income  before  income taxes increased approximately $1.2 million, or 5.5%, to
approximately  $22.6  million.   The Company's effective tax rate was 38.6% in
the  first  six months of 2000 as compared to 39.9% in the first six months of
1999.      Net  income  increased  approximately  $1.0  million,  or  7.8%, to
approximately $13.9 million.  Net income as a percentage of sales decreased to
5.3%  in  2000,  down  from  5.7%  in  1999.


CHANGES  IN  FINANCIAL  POSITION

Unfunded  Settlements
During  2000, Crossmann has expanded its practice of "bundling" loans for sale
to  third-party  warehouse  lenders  to  improve  pricing on those loans.  The
balance  due  on  these  loans  was  $7,432,283  at June 30, 2000, compared to
$1,286,099  at  December  31,  1999.   The expected time outstanding for these
loans  is  two  weeks  after  loan  closing.

Inventory
Real  estate  inventories increased approximately $20.6 million, or 7.9%, from
their December 31, 1999 level.  The expansion in inventory reflects heavy land
acquisition  and  development  activity  for  the  year  2000  and  beyond.

Notes  Payable
Notes  payable  increased approximately $26.6 million during the first half of
2000 as borrowings were used to finance real estate inventories, joint venture
investments,  and  the  Company's  share  repurchase  program.

CAPITAL  RESOURCES  AND  LIQUIDITY

At June 30, 2000, the Company had approximately $13.9 million in cash and cash
equivalents.

The  Company's  primary  uses  of  capital are home construction costs and the
purchase  and development of land.  Real estate inventories were approximately
$280.6 million, or 76.8% of total assets, at June 30, 2000, compared to $260.0
million  or 76.5% of total assets at December 31, 1999.   Capital is also used
for  the  addition  and  improvement  of  equipment  used in administering the
business,  for  model  home  furnishings,  and  the Company's share repurchase
program.

The  Company  also  used  cash in the first two quarters to repurchase 867,800
shares  at an average price of $15.95.  This program was authorized October 8,
1999  by the Board of Directors.  The total authorization was 15% of the total
shares  then  outstanding  or  1.7  million  shares.  As of June 30, 2000, the
Company  has  repurchased  1,050,300  shares.

Cash  expenditures  are financed with cash from operations and with borrowings
on  a $110.0 million unsecured line of credit, with Bank One, Indiana, N.A. as
agent.  Of the $110.0 million, $10.0 million is temporary availability, put in
place  to  fund  summer  construction.  This portion will expire on August 17,
2000.    The  line of credit bears interest at the banks's prime lending rate,
but  permits  portions  of  the  outstanding balance to be committed for fixed
periods  of  time  at  a  rate  equal to LIBOR plus 1.45%. The credit facility
matures  March  31,  2002.  At June 30, 2000, $82.6 million was outstanding on
this  line.

The Company also has approximately $63.9 million in senior notes outstanding.
Of  this total, $13.9 million is payable through 2004 at a fixed interest rate
of  7.625%, payable quarterly.  On  December 21, 2000, the Company will make a
scheduled  reduction    in the outstanding principal balance of these notes of
$2,777,778.    Crossmann has an additional $50.0 million in notes outstanding,
payable  through  2008  at a fixed interest rate of 7.75%, payable quarterly.
Annual  principal  reductions  of  $8,333,334  begin  June  11,  2003.

The  note  agreements  and  the  bank  line  of credit require compliance with
certain financial and operating covenants and place certain limitations on the
Company's  investments  in  land  and  unconsolidated  joint  ventures.    The
agreements  also  restrict  payments of cash dividends on the common shares by
the  Company.

The  Company's  credit arrangements are expected to provide adequate liquidity
for  planned  internal growth and capital expenditures.  In the event that the
Company seeks to accelerate growth through the acquisition of large parcels of
land  or  of other homebuilding companies, additional capital may be needed.
The  Company  believes that such capital could be obtained from banks or other
financing alternatives, from the issuance of additional shares, or from seller
financing;  however, there can be no assurances that the Company would be able
to  secure  the  necessary  capital.



BACKLOG

A  home  is  included  in  "backlog" upon execution of a sales contract by the
customer; sales and cost of sales are recognized when the title is transferred
and  the  home  is delivered to the buyer at "closing." The  Company generally
builds upon the execution of a sales contract by a customer and after approval
of  financing,  although  it  also  builds  a  limited  number  of  homes  on
speculation.   The standard sales contract used by the Company provides for an
earnest  money deposit of $1,000.  The contract usually includes a termination
provision under which the earnest money is refunded in the event that mortgage
financing is not available on terms specified in the contract, and may include
other  contingencies.    Cancellations by buyers with approved financing occur
infrequently.

Backlog  at  June  30,  2000  was 2,065 homes with an aggregate sales value of
approximately  $255.6 million, compared to 3,032 homes with an aggregate sales
value  of  approximately $359.1 million at June 30, 1999.  The decrease in the
number  of  homes  in  backlog  is  approximately 31.9%.  Starting backlog was
lower,  with 1,496 in backlog at January 1, 2000, compared to 1,744 at January
1,  1999. New orders in the first six months of 2000 were lower as well: 2,671
contracts were written in the first six months of 2000 as compared to 3,226 in
1999,  a  decrease  of  17.2%.

FUTURE  TRENDS

Housing  permits  in  all Crossmann's markets have contracted during the first
half  of 2000 compared to 1999 levels, due to higher mortgage interest rates.
As  this  occurs,  the  Company  faces  discounting  from  some competitors as
builders  seek  to  maintain  their  share  of  a  shrinking  housing market.
Crossmann may elect to meet this pricing challenge on a limited basis in order
to  move  inventory.

Lower  closings and margin pressure are likely to generate lower net income in
2000,  compared  to  1999.   However, management is optimistic that, by taking
appropriate  action, it can still generate above average returns even at lower
volume  level.

The  lower  backlog at June 30, 2000 compared to June 30, 1999, suggests fewer
closings  in  the  second  half  of  2000.



QUANTITATIVE  AND  QUALITATIVE  DISCLOSURES  ABOUT  MARKET  RISK

     The  Company does not invest in marketable securities, nor does it engage
in  hedging  activities  or  foreign  currency  conversions.  A portion of its
revolving  debt  is  carried  at  floating interest rates, but the exposure to
changes  in  prime  rate  related  to  that  debt  is  not  material.









                         PART II.  OTHER INFORMATION

The  following items for which provision is made in the applicable regulations
of  the  Securities and Exchange Commission are not required under the related
explanations  or  are  inapplicable  and  therefore  have  been  omitted:

Item  1.    Legal  Proceedings.
Item  2.    Changes  in  Securities.
Item  3.    Defaults  Upon  Senior  Securities.
Item  5.    Other  Information.

ITEM  4.    SUBMISSIONS  OF  MATTERS  TO  A  VOTE  OF  SECURITY  HOLDERS.
None.

<TABLE>

<CAPTION>

ITEM  6.    EXHIBITS  AND  REPORTS  ON  FORM  8-K.
a)  Exhibits


<S>      <C>

Exhibit
Number   Description of Exhibit
3.1      Amended and restated Articles of Incorporation of Crossmann Communities,
         Inc.(Incorporated by reference to Exhibit 3.1 to Form S-1 Registration Statement No.
                                                                                      33-68396.)
3.2      Bylaws of Crossmann Communities, Inc. (Incorporated by reference to Exhibit 3.2
         to Form S-1 Registration Statement No. 33-68396.)
4.1      Specimen Share Certificate for Common Shares.  (Incorporated by reference to
         Exhibit 2.9 to Form S-1 Registration Statement No. 33-68396.)
10.1     1993 Outside Director Stock Option Plan.  (Incorporated by reference to Exhibit 10.2
         to Form S-1 Registration Statement No. 33-68396.)
10.2     1993 Employee Stock Option Plan, As amended as of May 22, 1996.  (Incorporated
         by reference to Exhibit 10.3 to Form 10-Q dated August 13, 1996.)
10.37    Note Agreement dated as of December 19, 1995, $25,000,000 7.625% Senior Notes
         due December 9, 2004, by Crossmann Communities, Inc., et al. (Incorporated by
         reference to Exhibit 10.37 to From 10-K dated March 18, 1996.)
10.38    7.625% Senior Note due December 19, 2004, issued to Combined Insurance
         Company by Crossmann Communities, Inc., et al.  (Incorporated by reference to
         Exhibit 10.38 to Form 10-K dated March 18, 1996.)
10.39    7.625% Senior Note due December 19, 2004, issued to Minnesota Mutual Life
         Insurance company by Crossmann Communities, Inc., et al.  (Incorporated by
         reference to Exhibit 10.39 to Form 10-K dated March 18, 1996.)
10.40    Note Agreement dated as of June 11, 1998, $50,000,000 7.75% Senior Notes due
         June 11, 2008, by Crossmann Communities, Inc., et al.  (Incorporated by reference
         to Exhibit 10.46 to Form 10-Q dated August 14, 1998.)
10.41    Form of 7.75% Senior Note due June 11, 2008, issued to various insurance companies
         by Crossmann Communities, Inc. et al.  (Incorporated by reference to Exhibit 10.45
         to Form 10-Q dated August 14, 1998.)
10.42    Credit Agreement, dated April 1, 1999, among Crossmann Communities, Inc. and
         Bank One, Indianapolis N.A. (as "Agent') and the Lenders Parties Thereto.
         (Incorporated by reference to Exhibit 10.16 to Form 10-Q dated May 13, 1999)
10.43    First Amendment to Credit Agreement, dated June 11, 1999, among Crossmann
         Communities, Inc. and Bank One, Indiana N.A. (As "Agent') and the Lenders Party
         Thereto. (Incorporated by reference to Exhibit 10.43 to Form 10-Q dated August 13,
                                                                                          1999.)
10.44    Promissory Note, dated June 11, 1999, in favor of Bank One, Indiana, N.A.
         (Incorporated by reference to Exhibit 10.44 to Form 10-Q dated August 13, 1999.)
10.45    Promissory Note, dated June 11, 1999, in favor of Fifth Third Bank, Indiana.
         (Incorporated by reference to Exhibit 10.45 to Form 10-Q dated August 13, 1999.)
10.46    Promissory Note, dated June 11, 1999, in favor of Huntington National Bank of
         Indiana.    (Incorporated by reference to Exhibit 10.46 to Form 10-Q dated August 13,
                                                                                          1999.)
10.47    Promissory Note, dated June 11, 1999, in favor of PNC Bank of Ohio, N.A.
         (Incorporated by reference to Exhibit 10.47 to Form 10-Q dated August 13, 1999.)
10.48    Promissory Note, dated June 11, 1999, in favor of KeyBank National Association
         (Incorporated by reference to Exhibit 10.48 to Form 10-Q dated August 13, 1999.)
10.49    Asset Purchase Agreement, dated June 18, 1999 by and among Crossmann
         Communities, Inc., Crossmann Communities of North Carolina, Inc., Homes by Huff
         & Co., Inc., Mitchell T. Huff, Thomas A. Huff and Thomas C. Huff.  (Incorporated
         by reference to Exhibit 10.49 to Form 10-Q dated August 13, 1999.)
10.50    Employment contract dated June 18, 1999, by and among Crossmann Communities
         of North Carolina, Inc., Crossmann Communities, Inc. and  Mitchell T. Huff.
         (Incorporated by reference to Exhibit 10.50 to Form 10-Q dated August 13, 1999.)
10.51    Second Amendment to Credit Agreement, dated March 31, 2000, among Crossmann
         Communities, Inc. and Bank One, Indiana, N.A. (As "Agent") and the Lenders Party
         Thereto.  (Incorporated by reference to Exhibit 10.51 to Form 10-Q dated May 15, 2000.)
10.52    Third Amendment to Credit Agreement, dated June 19, 2000, among Crossmann
         Communities, Inc. and Bank One, Indiana, N.A. (As "Agent") and the Lenders Party
         Thereto.
19.1     Lease by and between Pinnacle Properties LLC ("Landlord") and Crossmann
         Communities, Inc. (Tenant"), 9202 North Meridian Street, Suite 300, Indianapolis,
         Indiana 46260, executed April 18, 1994.  (Incorporated by reference to Exhibit 19.1to
         Form 10-Q dated August 12, 1994.)
27.1     Financial Data Schedule for the quarter ended June 30, 2000.
</TABLE>


(b)  Reports  on  Form  8-K.

                                       None.

                                  SIGNATURES


     Pursuant  to  the  requirements of Sections 13 or 15(d) of the Securities
and  Exchange  Act  of  1934, the registrant has duly caused this report to be
signed  on  its  behalf  by  the  undersigned,  thereunto  duly  authorized.






CROSSMANN  COMMUNITIES,  INC.


/s/  Jennifer  A.  Holihen
Jennifer  A.  Holihen
Director,  Chief  Financial  Officer;
Treasurer;  Secretary;
(Principal  Financial  and  Accounting  Officer)





Dated:  August  11,  2000























EXHIBIT  10.52

                    THIRD AMENDMENT TO CREDIT AGREEMENT


     CROSSMANN  COMMUNITIES,  INC.,  an  Indiana corporation (the "Borrower"),
BANK  ONE,  INDIANA, N.A., a national banking association, individually and as
Agent  (the  "Agent"),  and  the  other  Lenders  party to that certain Credit
Agreement  dated  as  of  April  1,  1999,  as  amended  (collectively,  the
"Agreement"), agree to further amend the Agreement by this  Third Amendment to
Credit  Agreement  (this  "Amendment")  as  follows.

                                   RECITALS

     WHEREAS,  the  Aggregate  Commitment  prior to the effective date of this
Amendment  is  $100,000,000,  and  the Borrower has requested that the Lenders
increase  the  Aggregate  Commitment  to  $110,000,000  from  the date of this
Amendment  and  until  August  17,  2000;  and

     WHEREAS,    Bank  One has agreed to individually fund the increase in the
Aggregate  Commitment  in  excess  of  $100,000,000  after  the  date  of this
Amendment  and  until  August  17,  2000.

     NOW,  THEREFORE,  the  parties  hereto  agree  as  follows.


     1.          DEFINITIONS.       The following definitions of  "OverAdvance
Period," "Bank One OverAdvance Commitment," "Additional Aggregate Commitment,"
and  "Third Amendment" are hereby added to the Article I of the Agreement, and
the definitions of  "Commitment" and "Current Subsidiary" appearing in Article
I are hereby amended and restated in  their respective  entireties as follows:

          "Additional  Aggregate  Commitment"  means  the  amount by which the
Aggregate  Commitment  increases  during  the OverAdvance Period, which amount
shall  be  $10,000,000.

          "Bank  One  OverAdvance  Commitment"  means  the sum of $35,000,000.

          "Commitment"  means,  for each Lender, the obligation of such Lender
to  makeLoans not exceeding the amount set forth opposite its signature on the
Third  Amendment  or  as set forth in any Notice of Assignment relating to any
assignment  that  has  become  effective  pursuant  to Section 12.3.2, as such
amount  may  be  modified  from  time  to  time  pursuant to the terms hereof;
provided,  that  for  purposes of determining the Commitment of Bank One only,
the  term  "Commitment"  shall  mean,  during  the  OverAdvance  Period,
notwithstanding  the  dollar amount set forth opposite Bank One's signature on
this Agreement or any amendment to this Agreement,  the amount of the Bank One
OverAdvance Commitment, and thereafter the Commitment of Bank One shall be the
sum  of  $25,000,000  at  all  times.

     "Current  Subsidiary"  means  Deluxe Homes of Lafayette, Inc., an Indiana
corporation,  Crossmann  Partnership,  Merit  Realty,  Inc.,  an  Indiana
corporation,  Crossmann  Communities  of  Ohio, Inc. (formerly known as Deluxe
Homes  of Ohio, Inc.), an Ohio corporation, Crossmann Mortgage Corporation, an
Indiana  corporation,  Deluxe  Aviation,  Inc., an Indiana corporation, Cutter
Homes,  Ltd., a Kentucky corporation, Crossmann Communities of Tennessee, LLC,
a Tennessee limited liability company, Crossmann Investments, Inc., an Indiana
corporation,  Crossmann  Communities of North Carolina, Inc., a North Carolina
corporation,  Pinehurst  Builders,  LLC,  a  South  Carolina limited liability
company,  Crossmann  Management, Inc., an Indiana corporation, Deluxe Homes of
Ohio,  Inc., an Ohio corporation, and each entity hereafter becoming a Current
Subsidiary  in accordance with the procedures set forth in Section 4.3 of this
Agreement.

          "OverAdvance  Period" means the period commencing on the date of the
Third  Amendment  and  ending  on  August  17,  2000.
     "Third Amendment"  means that certain agreement entitled "Third Amendment
to  Credit  Agreement"entered  into  among  the Borrower, the Lenders, and the
Agent  effective  as  of  June  19,  2000.

     All other terms defined in the Agreement and used in this Amendment shall
have  their  respective  meanings  stated  in  the  Agreement unless otherwise
defined  herein.


     2.        INCREASE IN AGGREGATE COMMITMENT.     The Agent and the Lenders
hereby  acknowledge  receipt  of  the  request of the Borrower to increase the
Aggregate  Commitment  to  $110,000,000.00  during the OverAdvance Period, all
pursuant  to  the  terms of Section 2.26 of the Agreement, and agree that upon
the  execution and delivery of this Amendment by all of the parties hereto and
of  the  replacement  Promissory  Note  payable to Bank One attached hereto as
Exhibit "A" in the principal amount of the Bank One OverAdvance Commitment, as
well  as delivery of all other agreements, documents, and instruments required
by this Amendment, all conditions precedent and procedures required by Section
2.26  to so increase the Aggregate Commitment during the OverAdvance Period to
$110,000,000.00  shall  be  deemed satisfied.  At the close of the last day of
the OverAdvance Period, the Aggregate Commitment shall return to the amount of
$100,000,000.


     3.         RATABLE LOANS.  Section 2.3 of the Agreement is hereby amended
and  restated  in  its  entirety  as  follows:

     2.3.         Ratable Loans.  Each Advance made hereunder shall consist of
Loans  made  from  the several Lenders ratably in proportion to the ratio that
their  respective  Commitments  bear  to  the  Aggregate Commitment; provided,
however,  that  notwithstanding  the  foregoing, during the OverAdvance Period
only, Loans shall be made ratably by the several Lenders ratably in proportion
to  the  ratio  that their respective Commitments (using for Bank One its Bank
One  OverAdvance Commitment) bear to the remainder of the Aggregate Commitment
minus  the  Additional  Aggregate  Commitment  until the aggregate outstanding
principal balance of the Revolving Loan equals $100,000,000, at which time all
further  Loans shall be made by Bank One alone, but in no event shall: (i) the
aggregate  outstanding  principal  amount of all Loans made by Bank One during
the OverAdvance Period exceed the Bank One OverAdvance Commitment; or (ii) the
aggregate  outstanding  principal  amount  of  the  Revolving  Loan during the
OverAdvance  Period  exceed  at  any  time  the  sum  of  $110,000,000.

         4.              UNUSED FEE.  The first sentence of Section 2.5 of the
Agreement  is  hereby  amended  and  restated  in  its  entirety  as  follows:

     2.5.        Unused Fee; Reductions in Aggregate Commitment.  The Borrower
agrees  to  pay  to  the Agent for the account of each Lender an unused fee of
one-fifth  (1/5%)  per  annum  on  the  daily  unused portion of such Lender's
Commitment  from  the  date  hereof  to and including the Facility Termination
Date,  payable on the last Business Day of each calendar quarter hereafter and
on  the Facility Termination Date; provided, however, that notwithstanding the
foregoing,  during  the  OverAdvance  Period  only,  the  unused  fee shall be
distributed  to  the  Lenders  based  upon  the  amount  of  their  respective
Commitments,  (using  in  Bank One's case the Bank One Prior Commitment), with
Bank  One only receiving the unused fee payable with respect to the Additional
Aggregate  Commitment.


     5.        REPRESENTATIONS AND WARRANTIES.  To induce the Lenders to enter
into  this  Amendment,  the  Borrower  affirms  that  the  representations and
warranties  contained  in  the  Agreement  are  correct as of the date of this
Amendment,  except  that  (i)  they  shall  be  deemed  also  to refer to this
Amendment,  as  well as all documents named herein, and (ii) Section 5.4 shall
be  deemed  also  to  refer to the most recent audited and unaudited financial
statements  of  the  Borrower  delivered  to  the  Lenders.


     6.          EVENTS OF DEFAULT.  The Borrower certifies that no Default or
Unmatured  Default  under  the  Agreement,  as  amended by this Amendment, has
occurred  and  is  continuing  as  of  the  execution  date of this Amendment.


     7.          CONDITIONS  PRECEDENT.    As  conditions  precedent  to  the
effectiveness of this Amendment, the Agent shall first receive with sufficient
copies  for the Lenders the following contemporaneously with the execution and
delivery  of  this  Amendment,  each  duly  executed,  dated  and  in form and
substance  satisfactory  to  the  Lenders:

     (i)     A certified copy of a Resolution of the Board of Directors of the
Borrower authorizing the execution, delivery and performance, respectively, of
this  Amendment and the other Loan Documents provided for in this Amendment to
which  the  Borrower  is  a  party.

     (ii)      A certificate of the Secretary of the Board of Directors of the
Borrower  certifying  the  names of the officer or officers authorized to sign
this  Amendment and the other Loan Documents provided for in this Amendment to
which the Borrower is a party, together with a sample of the true signature of
each  such  officer.

     (iii)          A  certified  copy  of  a Resolution of General Partner of
Crossmann Communities Partnership, an Indiana general partnership, authorizing
the execution, delivery and performance, respectively, of its Reaffirmation of
Guaranty Agreement and the other Loan Documents provided for in this Amendment
to  which  Crossmann  Communities  Partnership  is  a  party.

     (iv)        A certificate of the General Partner of Crossmann Communities
Partnership    certifying  the  names of the officer or officers authorized to
sign  its  Reaffirmation  of  Guaranty  Agreement and the other Loan Documents
provided for in this Amendment to which Crossmann Communities Partnership is a
party,  together  with  a  sample  of the true signature of each such officer.

     (v)         A certified copy of a Resolution of the Board of Directors of
Deluxe  Homes  of  Lafayette,  Inc.,  an  Indiana corporation, authorizing the
execution,  delivery  and  performance,  respectively, of its Reaffirmation of
Guaranty Agreement and the other Loan Documents provided for in this Amendment
to  which  Deluxe  Homes  of  Lafayette,  Inc.  is  a  party.

     (vi)          A certificate of the Secretary of the Board of Directors of
Deluxe  Homes  of  Lafayette,  Inc.  certifying  the  names  of the officer or
officers  authorized  to  sign its Reaffirmation of Guaranty Agreement and the
other  Loan  Documents provided for in this Amendment to which Deluxe Homes of
Lafayette,  Inc.  is  a party, together with a sample of the true signature of
each  such  officer.

     (vii)       A certified copy of a Resolution of the Board of Directors of
Crossmann  Communities  of  Ohio,  Inc.,  an Ohio corporation, authorizing the
execution,  delivery  and  performance,  respectively, of its Reaffirmation of
Guaranty Agreement and the other Loan Documents provided for in this Amendment
to  which  Crossmann  Communities  of  Ohio,  Inc.  is  a  party.

     (viii)        A certificate of the Secretary of the Board of Directors of
Crossmann  Communities  of  Ohio,  Inc. certifying the names of the officer or
officers  authorized  to  sign its Reaffirmation of Guaranty Agreement and the
other  Loan  Documents  provided  for  in  this  Amendment  to which Crossmann
Communities  of  Ohio,  Inc.  is  a  party, together with a sample of the true
signature  of  each  such  officer.

     (ix)        A certified copy of a Resolution of the Board of Directors of
Merit  Realty,  Inc.,  an  Indiana  corporation,  authorizing  the  execution,
delivery  and  performance,  respectively,  of  its  Reaffirmation of Guaranty
Agreement and the other Loan Documents provided for in this Amendment to which
Merit  Realty,  Inc.  is  a  party.

     (x)     A certificate of the Secretary of the Board of Directors of Merit
Realty,  Inc.  certifying  the  names of the officer or officers authorized to
sign  its  Reaffirmation  of  Guaranty  Agreement and the other Loan Documents
provided  for  in  this  Amendment  to  which  Merit  Realty, Inc. is a party,
together  with  a  sample  of  the  true  signature  of  each  such  officer.

     (xi)        A certified copy of a Resolution of the Board of Directors of
Crossmann  Mortgage  Corporation,  an  Indiana  corporation,  authorizing  the
execution,  delivery  and  performance,  respectively, of its Reaffirmation of
Guaranty Agreement and the other Loan Documents provided for in this Amendment
to  which  Crossmann  Mortgage  Corporation  is  a  party.

     (xii)         A certificate of the Secretary of the Board of Directors of
Crossmann Mortgage Corporation certifying the names of the officer or officers
authorized  to sign its Reaffirmation of Guaranty Agreement and the other Loan
Documents  provided  for  in  this  Amendment  to  which  Crossmann  Mortgage
Corporation  is  a party, together with a sample of the true signature of each
such  officer.

     (xiii)      A certified copy of a Resolution of the Board of Directors of
Deluxe  Aviation,  Inc.,  an  Indiana  corporation, authorizing the execution,
delivery  and  performance,  respectively,  of  its  Reaffirmation of Guaranty
Agreement and the other Loan Documents provided for in this Amendment to which
Deluxe  Aviation,  Inc.  is  a  party.

     (xiv)         A certificate of the Secretary of the Board of Directors of
Deluxe  Aviation,  Inc.  certifying  the  names  of  the  officer  or officers
authorized  to sign its Reaffirmation of Guaranty Agreement and the other Loan
Documents  provided  for in this Amendment to which Deluxe Aviation, Inc. is a
party,  together  with  a  sample  of the true signature of each such officer.

     (xv)        A certified copy of a Resolution of the Board of Directors of
Cutter  Homes,  Ltd.,  a  Kentucky  corporation,  authorizing  the  execution,
delivery  and  performance,  respectively,  of  its  Reaffirmation of Guaranty
Agreement and the other Loan Documents provided for in this Amendment to which
Cutter  Homes,  Ltd.  is  a  party.

     (xvi)         A certificate of the Secretary of the Board of Directors of
Cutter  Homes, Ltd. certifying the names of the officer or officers authorized
to  sign  its Reaffirmation of Guaranty Agreement and the other Loan Documents
provided  for  in  this  Amendment  to  which  Cutter  Homes, Ltd. is a party,
together  with  a  sample  of  the  true  signature  of  each  such  officer.

     (xvii)       A certified copy of a Resolution of the Members of Crossmann
Communities  of  Tennessee,  LLC,  a  Tennessee  limited  liability  company,
authorizing  the  execution,  delivery  and  performance, respectively, of its
Reaffirmation  of Guaranty Agreement and the other Loan Documents provided for
in this Amendment to which Crossmann Communities of Tennessee, LLC is a party.

     (xviii)     A certificate of the Managing Member of Crossmann Communities
of  Tennessee,  LLC certifying the names of the officer or officers authorized
to  sign  its Reaffirmation of Guaranty Agreement and the other Loan Documents
provided  for  in  this Amendment to which Crossmann Communities of Tennessee,
LLC  is  a  party,  together  with a sample of the true signature of each such
officer.

     (xix)       A certified copy of a Resolution of the Board of Directors of
Crossmann  Communities  of North Carolina, Inc., a North Carolina corporation,
authorizing  the  execution,  delivery  and  performance, respectively, of its
Reaffirmation  of Guaranty Agreement and the other Loan Documents provided for
in  this Amendment to which Crossmann Communities of North Carolina, Inc. is a
party.

     (xx)          A certificate of the Secretary of the Board of Directors of
Crossmann  Communities  of  North  Carolina,  Inc. certifying the names of the
officer or officers authorized to sign its Reaffirmation of Guaranty Agreement
and the other Loan Documents provided for in this Amendment to which Crossmann
Communities  of North Carolina, Inc. is a party, together with a sample of the
true  signature  of  each  such  officer.

          (xxi)          A  certified  copy  of a Resolution of the Members of
Pinehurst  Builders,  LLC,  a  South  Carolina  limited  liability  company,
authorizing  the  execution,  delivery  and  performance, respectively, of its
Reaffirmation  of Guaranty Agreement and the other Loan Documents provided for
in  this  Amendment  to  which  Pinehurst  Builders,  LLC  is  a  party.

     (xxii)        A certificate of the Managing Member of Pinehurst Builders,
LLC  certifying  the  names  of the officer or officers authorized to sign its
Reaffirmation  of Guaranty Agreement and the other Loan Documents provided for
in this Amendment to which Pinehurst Builders, LLC is a party, together with a
sample  of  the  true  signature  of  each  such  officer.

     (xxiii)     A certified copy of a Resolution of the Board of Directors of
Crossmann Management, Inc., an Indiana corporation, authorizing the execution,
delivery  and  performance,  respectively,  of  its  Reaffirmation of Guaranty
Agreement and the other Loan Documents provided for in this Amendment to which
Crossmann  Management,  Inc.  is  a  party.

     (xxiv)        A certificate of the Secretary of the Board of Directors of
Crossmann  Management,  Inc.  certifying  the names of the officer or officers
authorized  to sign its Reaffirmation of Guaranty Agreement and the other Loan
Documents  provided  for in this Amendment to which Crossmann Management, Inc.
is a party, together with a sample of the true signature of each such officer.

     (xxv)       A certified copy of a Resolution of the Board of Directors of
Crossmann  Investments,  Inc.,  an  Indiana  corporation,  authorizing  the
execution,  delivery  and  performance,  respectively, of its Reaffirmation of
Guaranty Agreement and the other Loan Documents provided for in this Amendment
to  which  Crossmann  Investments,  Inc.  is  a  party.

     (xxvi)        A certificate of the Secretary of the Board of Directors of
Crossmann  Investments,  Inc.  certifying the names of the officer or officers
authorized  to sign its Reaffirmation of Guaranty Agreement and the other Loan
Documents  provided for in this Amendment to which Crossmann Investments, Inc.
is a party, together with a sample of the true signature of each such officer.

     (xxvii)  A  certified  copy  of a Resolution of the Board of Directors of
Deluxe  Homes  of
Ohio,  Inc.,  an  Ohio  corporation,  authorizing  the execution, delivery and
performance,  respectively, of its Reaffirmation of Guaranty Agreement and the
other  Loan  Documents provided for in this Amendment to which Deluxe Homes of
Ohio,  Inc.  is  a  party.

     (xxviii)A  certificate  of  the  Secretary  of  the Board of Directors of
Deluxe  Homes  of  Ohio,
Inc.  certifying  the  names of the officer or officers authorized to sign its
Reaffirmation  of Guaranty Agreement and the other Loan Documents provided for
in  this  Amendment  to  which Deluxe Homes of Ohio, Inc. is a party, together
with  a  sample  of  the  true  signature  of  each  such  officer.

         (xxix)          The Promissory Note (Revolving Loan) ($35,000,000.00)
payable to the order of Bank One, Indiana, N.A. in the form attached hereto as
Exhibit  "A."

          (xxx)     Payment of a fee in the amount of $2,500.00 which shall be
payable  solely  to  Bank  One  in  consideration  of the Bank One OverAdvance
Commitment.

     (xxxi)          A  Reaffirmation  Guaranty  Agreement  from  each Current
Subsidiary  in the form of Exhibit "B"attached hereto, duly completed for each
such  Current  Subsidiary.

     (xxxii) All additional fees and expenses of  the  Agent,  including  but
not    limited    to    the
          Agent's  reasonable  attorneys' fees incurred in connection with the
drafting,  negotiation,  and  closing  of  this  Amendment or which may remain
unpaid  and incurred in connection with prior amendments and matters involving
the  Company;  and

     (xxxiii) Such other instruments, agreements, and documents that the Agent
or  any  Lender  may  reasonably  require.


     8.      EFFECT OF AMENDMENT.  Except as amended in this Amendment, all of
the terms and conditions of the Agreement shall continue unchanged and in full
force  and  effect  together  with  this  Amendment.












                    [This Space Left Blank Intentionally]


<PAGE>
     IN  WITNESS  WHEREOF,  the Borrower, the Lenders, and the Agent, by their
respective  duly  authorized  officers, have executed and delivered in Indiana
this  Third  Amendment  to  Credit  Agreement  as  of  June  19,  2000.


CROSSMANN  COMMUNITIES,  INC.,  an  Indiana  corporation


                                   By:          /s/  Jennifer  A.  Holihen
                                        Jennifer  A. Holihen, Chief Financial
Officer,  Treasurer  and  Secretary

                                   9210  North  Meridian  Street
                                   Indianapolis,  Indiana  46260

                                   Attention:      Jennifer  A.  Holihen,
                                   Chief Financial Officer, Treasurer and
                                       Secretary
                                   Telephone:  (317)  843-9514
                                   Telecopy:      (317)  571-2210
                                   E-mail:         ___________________________
Commitments

$25,000,000.00                             BANK ONE, INDIANA, N.A., a national
banking  association,  by  itself  and  as  Agent


                                   By:          /s/  Patrick  D.  Lease
                                        Patrick  D.  Lease,  First    Vice
President

     Bank  One  Center/Circle  -  Suite  203
                                        111Monument  Circle
                                        Indianapolis,  Indiana    46277

                                   Attention:      Patrick  D.  Lease,  Vice
President
                                   Telephone:  (317)  321-3844
                                   Telecopy:      (317)  321-7647
                                   E-mail:        Patrick_D_Lease@EM.FCNBD.com

$18,750,000.00                             HUNTINGTON NATIONAL BANK OF INDIANA


                                   By:          /s/  Russell  R.  Swan,  Jr.
                                        Russell R. Swan,  Jr.,  Senior  Vice
    President

                                   Capital  Center,  Suite  1800
                                   201  North  Illinois  Street
                                   Indianapolis,  Indiana  46204

                                   Attention:         Russell R.  Swan,   Jr.
Vice              President
                                   Telephone:    (317)  237-2547
                                   Telecopy:        (317)  237-2505
                                   E-mail:          __________________________


$18,750,000.00                                       FIFTH THIRD BANK, INDIANA

                                   By:          /s/  Erik  Miner
                                        Erik  Miner,  Vice  President

                                   Capital  Center,  North  Tower
                                   251  North  Illinois  Street,  Suite  1000
                                   Indianapolis,  Indiana  4604

                                   Attention:       Erik Miner, Vice President
                                   Telephone:    (317)  383-2392
                                   Telecopy:        (317)  383-2427
                                   E-mail:          __________________________


$18,750,000.00                                                 PNC BANK,  N.A.


                                   By:          /s/  James  A.  Harmann
                                        James  A.  Harmann,  Vice  President

                                   201  East  Fifth  Street,  Suite  200
                                   Real  Estate  Finance
                                   Cincinnati,  Ohio  45201-1198

                                   Attention:      James  A.  Harmann,  Vice
President
                                   Telephone:    (513)  651-8988
                                   Telecopy:        (513)  651-8931
E-mail:                  James.Harmann@pncbank.com


$18,750,000.00                                    KEYBANK NATIONAL ASSOCIATION


                                   By:          /s/  Jeffrey  K.  Lockhart
                                        Jeffrey  K.  Lockhart,  Vice President

                                   10  West  Market  Street
                                   Indianapolis,  Indiana  46204

                                   Attention:    Jeffrey  K.  Lockhart,  Vice
President
                                   Telephone:    (317)  464-8320
                                   Telecopy:        (317)  464-8301
                                   E-Mail:         ___________________________

<PAGE>
                             SCHEDULE OF EXHIBITS


Exhibit  "A"                    -             Promissory Note (Revolving Loan)
($35,000,000.00)(Bank  One,  Indiana,  N.A.)


Exhibit  "B"                   -          Reaffirmation of Guaranty Agreement















































          PROMISSORY  NOTE
                               (Revolving Loan)

                                             Indianapolis,  Indiana
$35,000,000.00                                            Dated: June 19, 2000
                                             Final  Maturity:  March  31, 2003


     On  or  before  March 31, 2003 ("Final Maturity"), CROSSMANN COMMUNITIES,
INC.,  an  Indiana  corporation  (the "Maker") promises to pay to the order of
BANK  ONE, INDIANA, N.A., a national banking association (the "Lender") at the
principal  office  of  BANK ONE, INDIANA, N.A., a national banking association
(the  "Agent")  in  Indianapolis,  Indiana,  the principal sum of  Thirty-Five
Million and 00/100 Dollars ($35,000,000.00) or so much of the principal amount
of  the  Loan represented by this Note as may be disbursed by the Lender under
the  terms of the Credit Agreement described below, and to pay interest on the
unpaid  principal  balance  outstanding  from time to time as provided in this
Note.

     This  Note evidences indebtedness (the "Loan") incurred or to be incurred
by  the  Maker  under  a revolving line of credit extended to the Maker by the
Lender  under  a Credit Agreement dated April 1, 1999 (as amended, the "Credit
Agreement"),  entered  into by and among the Maker, the Lender, the Agent, and
the  other  lenders from time to time parties thereto.  All references in this
Note  to  the  Credit  Agreement  shall  be  construed  as  references to that
Agreement  as it may be amended from time to time.  The Loan is referred to in
the  Credit  Agreement  as  the  "Revolving  Loan."   Subject to the terms and
conditions  of  the Credit Agreement, the proceeds of the Loan may be advanced
and  repaid and re-advanced until Final Maturity.  The principal amount of the
Loan  outstanding  from  time  to time shall be determined by reference to the
books  and  records of the Lender on which all Advances under the Loan and all
payments  by  the  Maker on account of the Loan shall be recorded.  Such books
and  records  shall  be  deemed  prima facie to be correct as to such matters.

     The  terms  "Advance" and "Business Day" are used in this Note as defined
in  the  Credit  Agreement.

     Interest  on  the  unpaid  principal balance of the Loan outstanding from
time  to  time  prior  to  and after maturity will accrue at the rate or rates
provided  in  the Credit Agreement.  Prior to maturity, accrued interest shall
be  due  and  payable on the last Business Day of each month commencing on the
last  Business  Day  of  the  month  in  which  this  Note is executed.  After
maturity,  interest  shall  be due and payable as accrued and without demand.
Interest  will be calculated by applying the ratio of the annual interest rate
over  a  year  of  360  days, multiplied by the outstanding principal balance,
multiplied  by the actual number of days the principal balance is outstanding.

     The  entire  outstanding  principal balance of this Note shall be due and
payable, together with accrued interest, at Final Maturity.  Reference is made
to the Credit Agreement for provisions requiring prepayment of principal under
certain  circumstances.  Principal may be prepaid, but only as provided in the
Credit  Agreement.

     If  any  installment  of interest due under the terms of this Note is not
paid  within two (2) Business Days when due, then the Lender or any subsequent
holder  of this Note may, subject to the terms of the Credit Agreement, at its
option and without notice, declare the entire principal amount of the Note and
all  accrued  interest  immediately due and payable.  Reference is made to the
Credit  Agreement which provides for acceleration of the maturity of this Note
upon  the  happening  of  other    "Defaults"  as  defined  therein.

     All  payments on account of this Note shall be applied as provided in the
Credit  Agreement.

     The  Maker  and  any  endorsers  severally  waive demand, presentment for
payment  and  notice  of nonpayment of this Note, and each of them consents to
any renewals or extensions of the time of payment of this Note without notice.

     All  amounts  payable  under the terms of this Note shall be payable with
expenses  of  collection,  including  attorneys' fees, and without relief from
valuation  and  appraisement  laws.
     This  Note  supersedes  and  replaces  that certain Promissory Note dated
March  31, 2000, made by the Maker to the order of the Lender in the principal
amount  of  $25,000,000.00,  with  a  final  maturity  date of March 31, 2003.

     This  Note  is  made  under  and  will  be  governed  in all cases by the
substantive  laws  of  the  State  of  Indiana,  notwithstanding the fact that
Indiana  conflicts  of law rules might otherwise require the substantive rules
of  law  of  another  jurisdiction  to  apply.


                                   CROSSMANN  COMMUNITIES,  INC.,  an  Indiana
corporation



                                   By:          /s/  Jennifer  A.  Holihen
                                        Jennifer  A.  Holihen, Chief Financial
Officer,  Treasurer  and  Secretary







































          REAFFIRMATION  OF  GUARANTY  AGREEMENT



     The  undersigned  being a Guarantor under that certain Guaranty Agreement
dated  as  of  _____________________  (the  "Guaranty Agreement"), pursuant to
which  the  undersigned  guaranteed  the obligations of CROSSMANN COMMUNITIES,
INC.,  an  Indiana  corporation  (the  "Borrower") to BANK ONE, INDIANA, NA, a
national  banking  association, in its capacity as Agent (the "Agent") for the
ratable  benefit  of  the  Lenders ("Lenders") under the terms of that certain
Credit  Agreement  (the  "Agreement") dated April 1, 1999, entered into by and
among  the  Borrower,  the  Lenders,  and  the  Agent,  hereby consents to the
execution  of  that  certain Third Amendment to Credit Agreement to be entered
into  by  and  among  the Company, the Lenders, and the Agent dated as of even
date  herewith (the "Third Amendment"), and hereby agrees that the Obligations
(as  defined  in  the  Guaranty  Agreement)  shall include the increase in the
amount  of  the  Aggregate  Commitment  to  $110,000,000.00,  on the terms and
conditions  as  more  fully  set  forth  in  the  Third  Amendment.

     Further,  the  Guarantor  acknowledges  that  while it may be the current
practice  of  the Agent in the past to obtain the undersigned's consent to any
amendment  to  or  waiver of any of the terms and conditions of the Agreement,
the  Agent  shall not be required to continue any such practice in the future,
and  any such discontinuance shall not be construed as a waiver of the Agent's
rights,  in  its  discretion, to enter into any further amendments to or grant
any  further  waivers  of  any  of  the  terms and conditions of the Agreement
without  the  consent  of  the  undersigned,  and  that the Agent's failure to
request  or  obtain  the  consent  of the undersigned to any such amendment or
waiver  shall  not  affect the liability of the undersigned to the Lenders and
the  Agent  under  the  Guaranty  Agreement.


     IN  WITNESS  WHEREOF,  the  undersigned have signed this Reaffirmation of
Guaranty  Agreement  as  of  the  19th  day  of  June,  2000.



____________________________________



                                   By:          ______________________________

______________________________
                                             (Printed  name  and  title)


<PAGE>
STATE  OF  ___________________          )
                         )SS:
COUNTY  OF  _________________          )

     Before  me,  a  Notary  Public  in  and  for  the above County and State,
personally appeared                                   , the
            of                                                         , a
                           , who as such officer acknowledged the execution of
the  foregoing  Reaffirmation  of  Guaranty Agreement for and on behalf of the
_____________  this                    day  of    June,  2000.


                              Signature:

                              Printed:
                                                             Notary  Public
My  Commission  Expires:

My  County  of  Residence: