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  March  31,  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 10,615,995  Common shares outstanding as of May 15, 2000.






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

                                    INDEX

Part  I.  Financial  Information.

     Item  1.          Financial  Statements.

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

Consolidated  unaudited statements of income for the three months ended March
31,  2000  and  1999.

Consolidated  unaudited  statements  of  cash flows for the three months ended
March  31,  2000  and  1999.

Notes  to  consolidated  unaudited  financial  statements for the three months
ended  March  31,  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>

                                            MARCH 31, 2000    DECEMBER 31, 1999
                                            ----------------  ------------------
                                                 (UNAUDITED)
                                            ----------------
ASSETS
  Cash and cash equivalents                 $      2,949,106  $       13,635,911
  Retainages                                       1,888,120           1,198,342
  Real estate inventories                        269,929,237         259,995,959
  Furniture and equipment, net                     4,740,668           4,753,141
  Investments in joint ventures                   27,738,372          27,669,884
  Goodwill, net                                   16,848,968          17,597,512
  Other assets                                    15,323,814          15,024,356
                                            ----------------  ------------------
Total assets                                $    339,418,285  $      339,875,105
                                            ================  ==================


LIABILITIES AND SHAREHOLDERS' EQUITY
  Accounts payable                          $     12,582,563  $       22,335,253
  Accrued expenses and other liabilities           8,509,075           9,101,392
  Notes payable                                  133,284,588         119,959,088
                                            ----------------  ------------------
Total liabilities                                154,376,226         151,395,733

Commitments and contingencies

Shareholders' equity:
  Common shares                                   55,634,009          63,616,282
  Retained earnings                              129,408,050         124,863,090
                                            ----------------  ------------------
Total shareholders' equity                       185,042,059         188,479,372
                                            ----------------  ------------------
Total liabilities and shareholders' equity  $    339,418,285  $      339,875,105
                                            ================  ==================
<FN>

See  accompanying  notes.
</TABLE>








<TABLE>

<CAPTION>

                         CROSSMANN COMMUNITIES, INC.
                               AND SUBSIDIARIES

                CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)


                          THREE  MONTHS  ENDED  MARCH  31,


<S>                                   <C>            <C>

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

Sales of residential real estate      $106,525,968   $90,416,073
Cost of residential real estate sold    85,171,746    72,316,290
                                      -------------  ------------
Gross profit                            21,354,222    18,099,783

Selling, general and
 administrative                         14,337,753    11,466,305
                                      -------------  ------------
Income from operations                   7,016,469     6,633,478

Other income, net                        1,176,538       566,266
Interest expense                          (650,563)     (475,600)
                                      -------------  ------------
                                           525,975        90,666
                                      -------------  ------------

Income before income taxes               7,542,444     6,724,144
Income taxes                             2,997,484     2,689,822
                                      -------------  ------------
Net income                            $  4,544,960   $ 4,034,322
                                      =============  ============

Weighted average number of
 common shares outstanding:
     Basic                              11,341,195    11,543,781
     Diluted                            11,515,042    11,773,206
                                      =============  ============
Net income per common share:
     Basic                            $        .40   $       .35
     Diluted                          $        .39   $       .34
                                      =============  ============
<FN>

See  accompanying  notes.
</TABLE>



<TABLE>

<CAPTION>

                             CROSSMANN COMMUNITIES, INC.
                                   AND SUBSIDIARIES

                  CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED)


<S>                                               <C>                <C>

                                                  THREE MONTHS       THREE MONTHS
                                                  ENDED MARCH 31,    ENDED MARCH 31,
                                                  -----------------  -----------------
                                                              2000               1999
                                                  -----------------  -----------------
OPERATING ACTIVITIES:
Net Income                                        $      4,544,960   $      4,034,322
Adjustments to reconcile net income to net cash
  flows from operating activities:
    Depreciation                                           277,950            226,861
    Amortization                                           735,754            191,817
     Equity in earnings of affiliates                     (388,300)          (176,600)
    Cash provided (used) by changes in:
      Retainages                                          (689,778)          (811,154)
      Real estate inventories                           (9,933,278)       (17,817,126)
      Other assets                                        (286,668)          (620,109)
      Accounts payable                                  (9,752,690)        (8,659,063)
      Accrued expenses and other liabilities              (592,317)        (1,428,443)
                                                  -----------------  -----------------
Net cash flows used by operating activities            (16,084,367)       (25,059,495)

INVESTING ACTIVITIES:
Purchases of furniture and equipment                      (265,477)          (254,391)
Investments in joint ventures                              319,812           (488,323)
                                                  -----------------  -----------------
Net cash provided (used by) investing activities            54,335           (742,714)

FINANCING ACTIVITIES:
Proceeds from bank borrowing                            55,735,000         51,782,000
Principal payments on bank borrowing                   (42,390,000)       (42,187,000)
Payments on notes and long-term debt                       (19,500)          (665,289)
Repurchase of common shares                             (8,058,223)               -0-
Net proceeds from sale of common shares                     75,950                -0-
                                                  -----------------  -----------------
Net cash provided by financing activities                5,343,227          8,929,711
                                                  -----------------  -----------------

Net increase in cash and cash equivalents              (10,686,805)       (16,872,498)
Cash and cash equivalents at beginning of period        13,635,911         18,011,456
                                                  -----------------  -----------------
Cash and cash equivalents at end of period        $      2,949,106   $      1,138,958
                                                  =================  =================
<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 MARCH 31, 2000 COMPARED TO THE THREE MONTHS ENDED MARCH 31,
1999.

Results  of  Operation
Sales  for the three months ended March 31, 2000 increased approximately $16.1
million,  or 17.8%, over the same period in 1999.  This increase reflects more
homes closed, 842 homes in 2000 compared to 773 in 1999.   Selling prices were
higher    approximately  $126,500 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 to a trend
among  consumers  in  all  markets  to  purchase  more  optional  items.

Gross  profit  increased approximately $3.3 million for the three months ended
March  31,  2000,  over  the  same  period the year before.  Gross profit as a
percentage  of  sales  remained  constant  at  20.0%  in  2000  and   in 1999.

Selling, general and administrative expenses increased $2.9 million during the
three  months ended March 31, 2000 compared to the same period in 1999, due in
part  to  sales commissions on the higher sales and increased overhead related
to  the  Company's  new markets.  Selling, general and administrative expenses
increased  as  a  percentage  of  sales  to  13.5% in 2000 from 12.7% in 1999.

Other income increased approximately $435,300 for the three months ended March
31,  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 $388,300, compared to approximately $176,600 in
1999.

Income  before    income  taxes  for  the  three  months  ended March 31, 2000
increased  approximately  $818,300, from approximately $6.7 million in 1999 to
more  than  $7.5  million  in 2000, an increase of 12.2%. This increase is due
principally  to  increased  sales  volume.    Income  before income taxes as a
percentage  of  sales  decreased  to 7.1% of sales in 2000 compared to 7.4% in
1999.

Net  income  was  approximately  $510,600 higher for the first quarter of 2000
than for the first quarter of 1999, an  increase of 12.7%.  As a percentage of
sales,  net  income  decreased to 4.3 % in the first three months of 2000 from
4.5%  in  1999.

CHANGES  IN  FINANCIAL  POSITION

Inventory
Real  estate  inventories  increased approximately $9.9 million, or 3.8%, from
their  December  31,  1999  level.   The expansion in inventory reflects heavy
building  activity on homes in backlog, many of which are expected to close by
year  end.  It also reflects land acquisition and development activity for the
year  2000  and  beyond.

Notes  Payable
Notes  payable  increased  approximately  $13.3 million during the first three
months  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 March 31, 2000, the Company had approximately $2.9 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
$269.9  million,  or  79.5%  of  total  assets, at March 31, 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 quarter to repurchase 510,300 shares
at an average price of $15.79.  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 March 31, 2000, the Company has
repurchased  692,800  shares.

Cash  expenditures  are financed with cash from operations and with borrowings
on  a $100.0 million unsecured line of credit, with Bank One, Indiana, N.A. as
agent.    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 March 31, 2000, $69.3 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  March  31,  2000 was 2,316 homes with an aggregate sales value of
approximately  $274.1 million, compared to 2,750 homes with an aggregate sales
value  of approximately $296.7 million at March 31, 1999.  The decrease in the
number  of  homes  in  backlog  is  approximately 15.8%.  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 three months of 2000 were lower as well:
1,662  contracts were written in the first three months of 2000 as compared to
1,779  in  1999,  a  decrease  of  6.6%.

FUTURE  TRENDS

During the first quarter, management made the decision to leave the Louisville
market.  Operations there should be concluded by the end of 2000.  Closeout of
this  market  is  not  expected  to  have  a  material effect on the Company's
financial  performance.



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.
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 March 31, 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:  May  15,  2000











EXHIBIT  10.51

          SECOND  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 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 Second
Amendment  to  Credit  Agreement  (this  "Amendment")  as  follows.


     1.     DEFINITIONS.     The definition of "Second Amendment" is
hereby  added  to  the  Article  I  of  the  Agreementand  the definition of
"Facility  Termination Date" appearing in Article I of the Agreement is hereby
amended  and  restated  in  its  entirety  as  follows:

          "Second Amendment"  means that certain agreement entitled "Second
Amendment  to  Credit  Agreement"  entered into by and among the Borrower, the
Lenders,  and  the  Agent  effective  as  of  March  31,  2000.

      "Facility Termination Date" means March 31, 2003, or any earlier date
on  which  the Aggregate Commitment is reduced to zero or otherwise terminated
pursuant  to  the  terms  hereof.

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.     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.


     3.     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.


          4.     CONDITIONS PRECEDENT.  As conditions precedent to the
effectiveness  of  this  Amendment,  the  Agent  shall  first  receivewith
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 Members of
Beach  Vacations, 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  Beach  Vacations,  LLC  is  a  party.

      (xxiv)     A certificate of the Managing Member of Beach Vacations,
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 Beach Vacations, LLC 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  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.

      (xxvi)     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.

              (xxvii)     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.

               (xxviii)     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.

               (xxix)     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.

       (xxx)     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.

          (xxxi)     The Promissory Note (Revolving Loan) ($25,000,000.00)
payable to the order of Bank One, Indiana, N.A. in the form attached hereto as
Exhibit  "A."

                    (xxxii)          The  Promissory Note (Revolving Loan)
($18,750,000.00)  payable  to the order of Huntington National Bank of Indiana
in  the  form  attached  hereto  as  Exhibit  "B."

                  (xxxiii)          The  Promissory  Note (Revolving Loan)
($18,750,000.00) payable to the order of Fifth Third Bank, Indiana in the form
attached  hereto  as  Exhibit  "C."

         (xxxiv)     The Promissory Note (Revolving Loan) ($18,750,000.00)
payable  to the order of PNC Bank, N.A. in the form attached hereto as Exhibit
"D."

         (xxxv)     The Promissory Note (Revolving Loan) ($18,750,000.00)
payable  to  the  order  of  KeyBank National Association in the form attached
hereto  as  Exhibit  "E."

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

              (xxxvii)     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;
and

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


     5.     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  Second  Amendment  to  Credit  Agreement as of March 31, 2000.


CROSSMANN  COMMUNITIES,  INC.,  an  Indiana  corporation


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

                                                9202 North Meridian Street
                                                                 Suite 300
                                               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,  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:





<PAGE>
$18,750,000.00                                              PNC BANK,  N.A.



                                   By: /s/ James A. Harmann
                             James  A.  Harmann,  Vice  President
                                                     201 East Fifth Street
                                         Commercial Real Estate, Suite 800
                                               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)
($25,000,000.00)(Bank  One,  Indiana,  N.A.)


Exhibit  "B"              -          Promissory Note (Revolving Loan)
($18,750,000.00)  (Huntington  National  Bank  of  Indiana)


Exhibit  "C"              -          Promissory Note (Revolving Loan)
($18,750,000.00)  (Fifth  Third  Bank,  Indiana)


Exhibit  "D"              -          Promissory Note (Revolving Loan)
($18,750,000.00)  (PNC  Bank,  N.A.)


Exhibit  "E"              -          Promissory Note (Revolving Loan)
($18,750,000.00)  (KeyBank  National  Association)


Exhibit  "F"           -          Reaffirmation of Guaranty Agreement

























          PROMISSORY  NOTE
                             (REVOLVING LOAN)

                                                     Indianapolis, Indiana
$25,000,000.00                                      Dated: March 31, 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 ofBANK ONE, INDIANA, N.A., a national
banking  association (the "Agent") in Indianapolis, Indiana, the principal sum
of   Twenty-Five Million and 00/100 Dollars ($25,000,000.00) 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
June  11,  1999, 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, 2002.

          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









          PROMISSORY  NOTE
                             (REVOLVING LOAN)

                                                     Indianapolis, Indiana
$18,750,000.00                                      Dated: March 31, 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  HUNTINGTON  NATIONAL BANK OF INDIANA (the "Lender") at the
principal office ofBANK ONE, INDIANA, N.A., a national banking association
(the  "Agent") in Indianapolis, Indiana, the principal sum of Eighteen Million
Seven Hundred Fifty Thousand and 00/100 Dollars ($18,750,000.00) 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 the date of this Note 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
June  11, 1999, made  by the Maker to the order of the Lender in the principal
amount  of  $18,750,000.00,  with  a  final  maturity date of March 31, 2002.

          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








          PROMISSORY  NOTE
                             (REVOLVING LOAN)

                                                     Indianapolis, Indiana
$18,750,000.00                                      Dated: March 31, 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   FIFTH THIRD BANK, INDIANA (the "Lender") at the principal
office  ofBANK  ONE,  INDIANA,  N.A.,  a national banking association (the
"Agent") in Indianapolis, Indiana, the principal sum of Eighteen Million Seven
Hundred  Fifty  Thousand and 00/100 Dollars ($18,750,000.00) 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 the date of this Note 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
June  11,  1999,  made  by the Maker payable to the order of the Lender in the
principal  amount  of  $18,750,000.00, with a final maturity date of March 31,
2002.

          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









          PROMISSORY  NOTE
                             (REVOLVING LOAN)

                                                     Indianapolis, Indiana
$18,750,000.00                                      Dated: March 31, 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    PNC  BANK,  N.A.  (the "Lender") at the principal office
ofBANK ONE, INDIANA, N.A., a national banking association (the "Agent") in
Indianapolis,  Indiana,  the  principal  sum of Eighteen Million Seven Hundred
Fifty Thousand and 00/100 Dollars ($18,750,000.00) 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 the date of this Note 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
June  11, 1999, made by the Maker to the order of the Lender  in the principal
amount  of  $18,750,000.00,  with  a  final  maturity date of March 31, 2002.

          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









          PROMISSORY  NOTE
                             (REVOLVING LOAN)

                                                     Indianapolis, Indiana
$18,750,000.00                                      Dated: March 31, 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  KEYBANK NATIONAL ASSOCIATION (the "Lender") at the principal
office  ofBANK  ONE,  INDIANA,  N.A.,  a national banking association (the
"Agent") in Indianapolis, Indiana, the principal sum of Eighteen Million Seven
Hundred  Fifty  Thousand and 00/100 Dollars ($18,750,000.00) 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 the date of this Note 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
June  11, 1999, made by the Maker to the order of the Lender  in the principal
amount  of  $18,750,000.00,  with  a  final  maturity date of March 31, 2002.

          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  April 1, 1999 (the "Guaranty Agreement") pursuant to
which  the  undersigned  guaranteed the obligations ofCROSSMANN COMMUNITIES,
INC., an Indiana corporation (the "Borrower") toBANK 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 Second 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 "Second Amendment"), and hereby agrees that the Obligations
(as  defined  in the Guaranty Agreement) shall extend the Facility Termination
Date  (as  defined  in  the  Agreement)  to March 31, 2003, on the terms and
conditions  as  more  fully  set  forth  in  the  Second  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  31st  day  of  March,  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    ___________________,  2000.


                                                            Signature:

                                                            Printed:
                                                             Notary Public
My  Commission  Expires:

My  County  of  Residence: