----

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**U.S.        SECURITIES AND EXCHANGE COMMISSION**

**Washington,        D.C. 20549**

**FORM        10-QSB**

|   | |X| | Quarterly                  Report Pursuant to Section 13 or 15 (d) of the Securities Exchange                  Act of                  1934 for the quarterly period ended June 30,                  2005 |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | |                    | | Transition                  report under Section 13 or 15(d) of the Exchange Act for the transition                  period from ____________ to                  ____________ |
|--------|----------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**First        Capital Bancorp, Inc.**

| Georgia                                   | 58-2362335                                            |
|-------------------------------------------|-------------------------------------------------------|
| (State                  of Incorporation) | (I.R.S.                  Employer Identification No.) |

|  Class                                          |  Outstanding                  at August 9, 2005 |
|------------------------------------------------------|------------------------------------------------------|
| Common                  Stock, $1.00 par value  | 5,079,502                                            |

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Table            of Contents

TABLE

|                      |                                                                                                                | Page                  No. |
|---------------------------|---------------------------------------------------------------------------------------------------------------------|---------------------------|
|                      |                                                                                                                |                      |
| PART                  I.  | FINANCIAL                  INFORMATION                                                                              |                      |
|                      |                                                                                                                |                      |
|                      | Item                  1. FINANCIAL STATEMENTS                                                                       |                      |
|                      |                                                                                                                |                      |
|                      | Consolidated                  Balance Sheets- June 30, 2005 (Unaudited) and                  December 31, 2004 | 3                         |
|                      |                                                                                                                |                      |
|                      | Consolidated                  Statements of Income                  (Unaudited) -                              |                      |
|                      | Three                  and six months ended June 30, 2005 and                  2004                                 | 4                         |
|                      |                                                                                                                |                      |
|                      | Consolidated                  Statements of Comprehensive Income                  (Unaudited) -                |                      |
|                      | Three                  and six months ended June 30, 2005 and                  2004                                 | 5                         |
|                      |                                                                                                                |                      |
|                      | Consolidated                  Statements of Cash Flows (Unaudited) -                                                |                      |
|                      | Six months                  ended June 30, 2005 and                  2004                                 | 6                         |
|                      |                                                                                                                |                      |
|                      | Notes                  to Consolidated Financial Statements                  (Unaudited)                            | 7-10                      |
|                      |                                                                                                                |                      |
|                      | Item                  2. Management’s Discussion and Analysis                  of                             |                      |
|                      | Financial                  Condition and Results of                  Operations                                     | 11-21                     |
|                      |                                                                                                                |                      |
|                      | Item                  3. Controls and Procedures                                                                    | 22                        |
|                      |                                                                                                                |                      |
| PART                  II. | OTHER                  INFORMATION                                                                                  |                      |
|                      |                                                                                                                |                      |
|                      | Item                  2. Unregistered Sales of Equity Securities and Use of                  Proceeds               | 23                        |
|                      |                                                                                                                |                      |
|                      | Item                  6. Exhibits                                                                                   | 24                        |
|                      |                                                                                                                |                      |
|                      | Signatures                                                                                                          | 25                        |

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Table            of Contents

**PART        I. FINANCIAL INFORMATION**

**ITEM        1. FINANCIAL STATEMENTS. **

| **FIRST                  CAPITAL BANCORP, INC.****AND                  SUBSIDIARIES****CONSOLIDATED                  BALANCE SHEETS**                            |   |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|
|                                                                                                                                                             |   |   | June                  30,2005(Unaudited) |   |   | December                  31,2004  |   |
| **ASSETS**                                                                                                                                                  |   |   | ($                  in thousands) |   |
|                                                                                                                                                             |   |   |   |   |   |   |   |
| Cash                  and due from banks                                                                                                                         |   | $ | 20,826 |   | $ | 13,753 |   |
| Interest-bearing                  deposits in banks                                                                                                              |   |   | 1,278 |   |   | 1,473 |   |
| Federal                  funds sold and overnight investments                                                                                                    |   |   | 3,422 |   |   | 375 |   |
| Cash                  and cash equivalents                                                                                                                       |   |   | 25,526 |   |   | 15,601 |   |
| Investment                  securities:                                                                                                                          |   |   |   |   |   |   |   |
|  Securities                  available for sale, at fair value                                                                                              |   |   | 123,709 |   |   | 130,640 |   |
|  Securities                  held to maturity, at cost (fair values of $6,004 and $6,975,                  respectively)                                    |   |   | 5,958 |   |   | 6,821 |   |
| Restricted                  equity securities, at cost                                                                                                           |   |   | 6,916 |   |   | 6,818 |   |
| Loans,                  net                                                                                                                                 |   |   | 489,775 |   |   | 478,570 |   |
| Premises                  and equipment, net                                                                                                                     |   |   | 1,144 |   |   | 1,056 |   |
| Goodwill                                                                                                                                                         |   |   | 7,411 |   |   | 6,681 |   |
| Core                  deposit intangible                                                                                                                         |   |   | 953 |   |   | 1,101 |   |
| Other                  assets                                                                                                                                    |   |   | 13,422 |   |   | 10,947 |   |
| Total                  assets                                                                                                                                    |   | $ | 674,814 |   | $ | 658,235 |   |
|                                                                                                                                                             |   |   |   |   |   |   |   |
| **LIABILITIES**                                                                                                                                                  |   |   |   |   |   |   |   |
| Deposits:                                                                                                                                                        |   |   |   |   |   |   |   |
| Non                  interest-bearing demand                                                                                                                     |   | $ | 102,927 |   | $ | 77,341 |   |
| Interest-bearing                  demand and money market                                                                                                        |   |   | 138,730 |   |   | 132,515 |   |
| Savings                                                                                                                                                          |   |   | 51 |   |   | 79 |   |
| Time                  deposits of $100,000 or more                                                                                                               |   |   | 128,630 |   |   | 134,762 |   |
| Other                  time deposits                                                                                                                             |   |   | 99,909 |   |   | 113,974 |   |
| Total                  deposits                                                                                                                                  |   |   | 470,247 |   |   | 458,671 |   |
| Federal                  funds purchased and securities sold underrepurchase                  agreements                                                         |   |   | 16,273 |   |   | 11,210 |   |
| Other                  borrowings                                                                                                                                |   |   | 117,371 |   |   | 120,488 |   |
| Other                  liabilities                                                                                                                               |   |   | 4,955 |   |   | 4,660 |   |
| Subordinated                  debentures                                                                                                                         |   |   | 6,392 |   |   | 6,392 |   |
| Total                  liabilities                                                                                                                               |   |   | 615,238 |   |   | 601,421 |   |
|                                                                                                                                                             |   |   |   |   |   |   |   |
| **STOCKHOLDERS'                  EQUITY**                                                                                                                        |   |   |   |   |   |   |   |
| Preferred                      stock; no par value;10,000,000                      shares authorized; no shares issued and                      outstanding      |   |   | - |   |   | - |   |
| Common                    stock; $1 par value;10,000,000                  shares authorized; 5,228,311 and5,170,000                  shares issued, respectively |   |   | 5,228 |   |   | 5,170 |   |
| Surplus                                                                                                                                                          |   |   | 36,567 |   |   | 35,902 |   |
|                                                                                                                                                             |   |   |   |   |   |   |   |
| Treasury                    stock, 148,809 and 142,888 shares,respectively                                                                                       |   |   | (1,243 | ) |   | (1,122 | ) |
| Unearned                  ESOP shares                                                                                                                            |   |   | (240 | ) |   | (400 | ) |
| Retained                  earnings                                                                                                                               |   |   | 19,876 |   |   | 17,285 |   |
| Accumulated                  other comprehensive loss                                                                                                            |   |   | (612 | ) |   | (21 | ) |
| Total                  stockholders’ equity                                                                                                                |   |   | 59,576 |   |   | 56,814 |   |
| Total                  liabilities and stockholders’ equity                                                                                                |   | $ | 674,814 |   | $ | 658,235 |   |

**See        notes to the consolidated financial statements.**

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Table          of Contents

| **FIRST                CAPITAL BANCORP, INC.**                                                                         |   |
|------------------------------------------------------------------------------------------------------------------------|--------|
| **AND                SUBSIDIARIES**                                                                                    |   |
| **CONSOLIDATED                STATEMENTS OF INCOME**                                                                   |   |
| **(UNAUDITED)**                                                                                                        |   |
|                                                                                                                   |   |   |   |   |   |   |   |   |   |
|                                                                                                                   |   | **FOR                THE****THREE-MONTH****PERIOD                ENDED****JUNE                30,** |   | **FOR                THE****SIX-MONTH****PERIOD                ENDED****JUNE                30,** |   |
|                                                                                                                   |   |  ($                in thousands except per share data) |   |  ($                in thousands except per share data) |   |
|                                                                                                                   |   | **2005** |   |  **2004** |   |  **2005** |   | **2004** |   |
|                                                                                                                   |   |   |   |    |   |    |   |   |   |
| Interest                Income:                                                                                        |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans                and leases, including fees                                                                        |   | $ | 8,137 |   | $ | 5,353 |   | $ | 16,085 |   | $ | 9,631 |   |
| Investment                securities:                                                                                  |   |   |   |   |   |   |   |   |   |   |   |   |   |
| U.S.                Treasury and government agencies                                                                   |   |   | 426 |   |   | 256 |   |   | 793 |   |   | 436 |   |
| Mortgage-backed                securities                                                                              |   |   | 892 |   |   | 863 |   |   | 1,812 |   |   | 1,619 |   |
| Other                investments                                                                                       |   |   | 182 |   |   | 290 |   |   | 372 |   |   | 588 |   |
| Interest-bearing                deposits in banks                                                                      |   |   | 7 |   |   | 6 |   |   | 14 |   |   | 8 |   |
| Federal                funds sold and overnight investments                                                            |   |   | 24 |   |   | 11 |   |   | 33 |   |   | 26 |   |
| Total                interest income                                                                                   |   |   | 9,668 |   |   | 6,779 |   |   | 19,109 |   |   | 12,308 |   |
|                                                                                                                   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest                expense:                                                                                       |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing                  demand, money market andsavings                                                      |   |   | 372 |   |   | 189 |   |   | 675 |   |   | 337 |   |
| Time                deposits of $100,000 or more                                                                       |   |   | 908 |   |   | 828 |   |   | 1,731 |   |   | 1,648 |   |
| Other                time deposits                                                                                     |   |   | 779 |   |   | 607 |   |   | 1,535 |   |   | 1,087 |   |
| Federal                funds purchased, securities sold underrepurchase                agreements and other borrowings |   |   | 1,238 |   |   | 1,295 |   |   | 2,468 |   |   | 2,195 |   |
| Total                interest expense                                                                                  |   |   | 3,297 |   |   | 2,919 |   |   | 6,409 |   |   | 5,267 |   |
| Net                interest income                                                                                     |   |   | 6,371 |   |   | 3,860 |   |   | 12,700 |   |   | 7,041 |   |
| Provision                for loan losses                                                                               |   |   | 150 |   |   | 800 |   |   | 300 |   |   | 850 |   |
| Net                interest income after provision for loan losses                                                     |   |   | 6,221 |   |   | 3,060 |   |   | 12,400 |   |   | 6,191 |   |
|                                                                                                                   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Non                interest income:                                                                                    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Service                charges on deposit accounts                                                                     |   |   | 17 |   |   | 21 |   |   | 39 |   |   | 36 |   |
| Loan                servicing fee income                                                                               |   |   | 138 |   |   | 75 |   |   | 294 |   |   | 91 |   |
| Mortgage                origination fees                                                                               |   |   | 70 |   |   | 42 |   |   | 107 |   |   | 42 |   |
| Gain                on sale of loans, net                                                                              |   |   | 69 |   |   | 13 |   |   | 130 |   |   | 32 |   |
| Net                gain on sale of securities available for sale                                                       |   |   | 21 |   |   | - |   |   | 26 |   |   | - |   |
| Other                income                                                                                            |   |   | 38 |   |   | 58 |   |   | 150 |   |   | 99 |   |
| Total                non interest income                                                                               |   |   | 353 |   |   | 209 |   |   | 746 |   |   | 300 |   |
|                                                                                                                   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Non                interest expense:                                                                                   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Salaries                and other compensation expense                                                                 |   |   | 2,675 |   |   | 1,723 |   |   | 5,442 |   |   | 3,006 |   |
| Net                occupancy and equipment expense                                                                     |   |   | 458 |   |   | 215 |   |   | 891 |   |   | 378 |   |
| Other                expense                                                                                           |   |   | 1,446 |   |   | 814 |   |   | 2,696 |   |   | 1,500 |   |
| Total                non interest expense                                                                              |   |   | 4,579 |   |   | 2,752 |   |   | 9,029 |   |   | 4,884 |   |
|                                                                                                                   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Income                before income taxes                                                                              |   |   | 1,995 |   |   | 517 |   |   | 4,117 |   |   | 1,607 |   |
| Income                tax expense                                                                                      |   |   | 714 |   |   | 173 |   |   | 1,526 |   |   | 560 |   |
| Net                income                                                                                              |   | $ | 1,281 |   | $ | 344 |   | $ | 2,591 |   | $ | 1,047 |   |
|                                                                                                                   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Basic                earnings per share                                                                                |   | $ | .25 |   | $ | .11 |   | $ | .52 |   | $ | .39 |   |
| Fully                diluted earnings per share                                                                        |   | $ | .25 |   | $ | .10 |   | $ | .50 |   | $ | .38 |   |
| Cash                dividends per common share                                                                         |   | $ | - |   | $ | - |   | $ | - |   | $ | - |   |

**See        notes to the consolidated financial statements.**

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Table          of Contents

| **FIRST                CAPITAL BANCORP, INC.**                                           |   |
|------------------------------------------------------------------------------------------|--------|
| **AND                SUBSIDIARIES**                                                      |   |
| **CONSOLIDATED                STATEMENTS OF COMPREHENSIVE INCOME                (LOSS)** |   |
| **(UNAUDITED)**                                                                          |   |
|                                                                                     |   |   |   |   |   |   |   |   |   |
|                                                                                     |   | **FOR                THE****THREE-MONTH****PERIOD                ENDED****JUNE                30,** |   | **FOR                THE****SIX-MONTH****PERIOD                ENDED****JUNE                30,** |   |
|                                                                                     |   | 2005 |   | 2004 |   | 2005 |   | 2004 |   |
|                                                                                     |   | ($                in thousands) |   | ($                in thousands) |   |
|                                                                                     |   |   |   |   |   |   |   |   |   |
| Net                income                                                                |   | $ | 1,281 |   | $ | 344 |   | $ | 2,591 |   | $ | 1,047 |   |
|                                                                                     |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Other                comprehensive income (loss):                                        |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                     |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                     |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Unrealized                holding gains (losses) arising during period,                  |   |   |   |   |   |   |   |   |   |   |   |   |   |
| net                of tax                                                                |   |   | 472 |   |   | (1,232 | ) |   | (571 | ) |   | (1,308 | ) |
|                                                                                     |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Reclassification                adjustment for gains realized in                         |   |   |   |   |   |   |   |   |   |   |   |   |   |
| net                income, net of tax                                                    |   |   | (14 | ) |   | - |   |   | (17 | ) |   | - |   |
|                                                                                     |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Unrealized                gains on cash flow hedges,                                     |   |   |   |   |   |   |   |   |   |   |   |   |   |
| net                of tax                                                                |   |   | (19 | ) |   | (3 | ) |   | (3 | ) |   | (3 | ) |
|                                                                                     |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Other                comprehensive income (loss)                                         |   |   | 439 |   |   | (1,235 | ) |   | (591 | ) |   | (1,311 | ) |
|                                                                                     |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Comprehensive                income (loss)                                               |   | $ | 1,720 |   | $ | (891 | ) | $ | 2,000 |   | $ | (264 | ) |

**See      notes to the consolidated financial statements.**

----

Table          of Contents

| **FIRST                CAPITAL BANCORP, INC.**                                                                 |   |
|----------------------------------------------------------------------------------------------------------------|--------|
| **AND                SUBSIDIARIES**                                                                            |   |
| **CONSOLIDATED                STATEMENTS OF CASH FLOWS**                                                       |   |
| **(UNAUDITED)**                                                                                                |   |
|                                                                                                           |   |   |   |    |   |
|                                                                                                           |   | **FOR                  THE****SIX-MONTH****PERIOD                  ENDED****JUNE                  30,** |   |
|                                                                                                           |   |  **2005** |   |    **2004** |   |
| **OPERATING                ACTIVITIES:**                                                                       |   |   |   |   |   |   |   |
| Net                income                                                                                      |   | $ | 2,591 |   | $ | 1,047 |   |
| Adjustments                to reconcile net income to net cash provided byoperating                activities: |   |   |   |   |   |   |   |
| Net                (accretion) amortization of securities                                                      |   |   | (129 | ) |   | 9 |   |
| Depreciation                and amortization                                                                   |   |   | 482 |   |   | 132 |   |
| Net                gain on sale of other real estate owned                                                     |   |   | - |   |   | (9 | ) |
| Net                gain on sale of securities available for sale                                               |   |   | (26 | ) |   | - |   |
| Net                gain on sale of premises and equipment                                                      |   |   | (8 | ) |   | - |   |
| Provision                for loan losses                                                                       |   |   | 300 |   |   | 850 |   |
| Net                (increase) decrease in other assets                                                         |   |   | (2,079 | ) |   | 773 |   |
| Net                increase (decrease) in other liabilities                                                    |   |   | 680 |   |   | (2,340 | ) |
|                                                                                                           |   |   |   |   |   |   |   |
| Net                cash provided by operating activities                                                       |   |   | 1,811 |   |   | 462 |   |
|                                                                                                           |   |   |   |   |   |   |   |
| **INVESTING                ACTIVITIES:**                                                                       |   |   |   |   |   |   |   |
| Proceeds                from calls and maturities of securities available for sale                             |   |   | 5,250 |   |   | 2,020 |   |
| Principal                repayments from mortgage-backed securities                                            |   |   | 13,756 |   |   | 15,326 |   |
| Purchases                of securities available for sale                                                      |   |   | (16,515 | ) |   | (16,856 | ) |
| Redemption                (purchases) of restricted equity securities                                          |   |   | (128 | ) |   | 9 |   |
| Proceeds                from sale of securities available for sale                                             |   |   | 4,568 |   |   | - |   |
| Net                increase in loans                                                                           |   |   | (12,143 | ) |   | (52,826 | ) |
| Net                cash acquired in business combination                                                       |   |   | - |   |   | 6,527 |   |
| Proceeds                from the sale of other real estate owned                                               |   |   | - |   |   | 1,086 |   |
| Purchases                of premises and equipment                                                             |   |   | (422 | ) |   | (327 | ) |
| Proceeds                from sale of premises and equipment                                                    |   |   | 8 |   |   | - |   |
|                                                                                                           |   |   |   |   |   |   |   |
| Net                cash used in investing activities                                                           |   |   | (5,626 | ) |   | (45,041 | ) |
|                                                                                                           |   |   |   |   |   |   |   |
| **FINANCING                ACTIVITIES:**                                                                       |   |   |   |   |   |   |   |
| Net                increase in deposits                                                                        |   |   | 11,577 |   |   | 48,573 |   |
| Net                increase (decrease) in federal funds purchased and securities                sold           |   |   |   |   |   |   |   |
| under                repurchase agreements                                                                     |   |   | 5,063 |   |   | (8,312 | ) |
| Net                increase (decrease) in Federal Home Loan Bank advances                                      |   |   | (3,117 | ) |   | 5,288 |   |
| Net                decrease in other borrowings                                                                |   |   | - |   |   | (4,000 | ) |
| Proceeds                from rights offering                                                                   |   |   | - |   |   | 14,887 |   |
| Sale                (purchase) of treasury stock                                                               |   |   | (121 | ) |   | 34 |   |
| Proceeds                from exercise of stock options                                                         |   |   | 338 |   |   | 278 |   |
|                                                                                                           |   |   |   |   |   |   |   |
| Net                cash provided by financing activities                                                       |   |   | 13,740 |   |   | 56,748 |   |
|                                                                                                           |   |   |   |   |   |   |   |
| Net                increase in cash and cash equivalents                                                       |   |   | 9,925 |   |   | 12,169 |   |
| Cash                and cash equivalents, beginning of period                                                  |   |   | 15,601 |   |   | 12,098 |   |
|                                                                                                           |   |   |   |   |   |   |   |
| Cash                and cash equivalents, end of period                                                        |   | $ | 25,526 |   | $ | 24,267 |   |
|                                                                                                           |

**See        notes to the consolidated financial statements.**

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Table          of Contents

**FIRSTCAPITAL      BANCORP, INC.**

**AND      SUBSIDIARIES**

**NOTES      TO CONSOLIDATED FINANCIAL STATEMENTS**

**(UNAUDITED)**

**NOTE      1 - BASIS OF PRESENTATION**

**NOTE      2 - MERGER WITH FIRST CAPITAL BANCORP, INC.**

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Table          of Contents

| Cash,                due from banks, Federal funds sold and overnight                investments |   | $      | 6,526,621   |   |
|--------------------------------------------------------------------------------------------------|--------|--------|-------------|--------|
| Securities                available-for-sale                                                     |   |   | 36,872,956  |   |
| Restricted                equity securities                                                      |   |   | 1,506,000   |   |
| Derivative                                                                                       |   |   | 31,986      |   |
| Loans                                                                                            |   |   | 102,995,192 |   |
| Premises                and equipment                                                            |   |   | 124,085     |   |
| Core                deposit intangible                                                           |   |   | 1,273,676   |   |
| Goodwill                                                                                         |   |   | 7,356,090   |   |
| Other                assets                                                                      |   |   | 8,068,128   |   |
| Total                assets acquired                                                             |   | $      | 164,754,734 |   |
| Deposits                                                                                         |   |   | 116,397,828 |   |
| Other                borrowings                                                                  |   |   | 26,986,639  |   |
| Other                liabilities                                                                 |   |   | 5,335,215   |   |
| Total                liabilities assumed                                                         |   | $      | 148,719,682 |   |
| Net                assets acquired                                                               |   | $      | 16,035,052  |   |

**NOTE      3 - MERGER WITH FLAG FINANCIAL CORPORATION**

----

Table          of Contents

**NOTE      4 - EARNINGS PER COMMON SHARE**

|                                                                                                                                                                        |   | **Three                Months Ended****June                30,** |      | **Six Months                Ended****June                30,** |   |
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|------------------------------------------------------------------|-----------|---------------------------------------------------------------------|--------|
|                                                                                                                                                                        |   | **2005**                                                    |      | **2004**                                                            |   | **2005**  |   | **2004** |   |
| Basic                Earnings Per Share:                                                                                                                                    |   |                                                             |      |                                                                |   |   |   |   |   |   |   |   |   |
| Weighted                average common shares outstanding                                                                                                                   |   |                                                             | 5,043,097 |                                                                |   | 3,204,247 |   |   | 5,026,021 |   |   | 2,698,149 |   |
|                                                                                                                                                                        |   |                                                             |      |                                                                |   |   |   |   |   |   |   |   |   |
| Net                income                                                                                                                                                   |   | $                                                                | 1,281,045 |                                                                | $      | 343,573 |   | $ | 2,590,572 |   | $ | 1,046,898 |   |
|                                                                                                                                                                        |   |                                                             |      |                                                                |   |   |   |   |   |   |   |   |   |
| Basic                earnings per share                                                                                                                                     |   | $                                                                | 0.25      |                                                                | $      | 0.11 |   | $ | 0.52 |   | $ | 0.39 |   |
|                                                                                                                                                                        |   |                                                             |      |                                                                |   |   |   |   |   |   |   |   |   |
| Diluted                Earnings Per Share:                                                                                                                                  |   |                                                             |      |                                                                |   |   |   |   |   |   |   |   |   |
| Weighted                average common shares outstanding                                                                                                                   |   |                                                             | 5,043,097 |                                                                |   | 3,204,247 |   |   | 5,026,021 |   |   | 2,698,149 |   |
| Net                effect of the assumed exercise of stockoptions                based on the treasury stock method using                average market prices for the year |   |                                                             | 161,978   |                                                                |   | 59,179 |   |   | 171,501 |   |   | 49,866 |   |
| Shares                held by rabbi trust                                                                                                                                   |   |                                                             | 19,951    |                                                                |   | 9,533 |   |   | 19,951 |   |   | 9,533 |   |
| Total                weighted average common shares and common                stock equivalents outstanding                                                                 |   |                                                             | 5,225,026 |                                                                |   | 3,272,959 |   |   | 5,217,473 |   |   | 2,757,548 |   |
|                                                                                                                                                                        |   |                                                             |      |                                                                |   |   |   |   |   |   |   |   |   |
| Net                income as reported                                                                                                                                       |   | $                                                                | 1,281,045 |                                                                | $      | 343,573 |   | $ | 2,590,572 |   | $ | 1,046,898 |   |
|                                                                                                                                                                        |   |                                                             |      |                                                                |   |   |   |   |   |   |   |   |   |
| Diluted                earnings per share                                                                                                                                   |   | $                                                                | 0.25      |                                                                | $      | 0.10 |   | $ | 0.50 |   | $ | 0.38 |   |

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**NOTE      5 - STOCK COMPENSATION PLANS**

*Accounting      for Stock Issued to Employees*
*Accounting      for Stock-Based Compensation*

|                                                                                                                                        |   |   | **Three                Months Ended****June                30,** |   |   | **Six                Months Ended****June                30,** |   |
|---------------------------------------------------------------------------------------------------------------------------------------------|--------|--------|------------------------------------------------------------------|--------|--------|----------------------------------------------------------------|--------|
|                                                                                                                                        |   |   | **2005**                                                         |   |   | **2004**                                                  |   |   | **2005**  |   |   | **2004**  |   |
|                                                                                                                                        |   |   |                                                             |   |   |                                                           |   |   |   |   |   |   |   |
| Net                income, as reported                                                                                                      |   | $      | 1,281,045                                                        |   | $      | 343,573                                                        |   | $ | 2,590,572 |   | $ | 1,046,898 |   |
| Deduct:                Total stock-based employeecompensation expense determined                underfair value based method for all awards |   |   | 23,830                                                           |   |   | 9,971                                                          |   |   | 38,941 |   |   | 25,082 |   |
| Pro                forma net income                                                                                                         |   | $      | 1,257,215                                                        |   | $      | 333,602                                                        |   | $ | 2,551,631 |   | $ | 1,021,816 |   |
| Earnings                per share:                                                                                                          |   |   |                                                             |   |   |                                                           |   |   |   |   |   |   |   |
| Basic                - as reported                                                                                                          |   | $      | 0.25                                                             |   | $      | 0.11                                                           |   | $ | 0.52 |   | $ | 0.39 |   |
| Basic                - pro forma                                                                                                            |   |   | 0.25                                                             |   |   | 0.10                                                           |   |   | 0.51 |   |   | 0.38 |   |
| Fully                diluted - as reported                                                                                                  |   |   | 0.25                                                             |   |   | 0.10                                                           |   |   | 0.50 |   |   | 0.38 |   |
| Fully                diluted - pro forma                                                                                                    |   |   | 0.24                                                             |   |   | 0.10                                                           |   |   | 0.49 |   |   | 0.37 |   |

**NOTE      6 - RECENT ACCOUNTING STANDARDS**

**Stock-Based      Compensation**

*Share-Based      Payment*
*Accounting      for Stock-Based Compensation*
*Accounting      for Stock Issued to Employees*

**NOTE        7 - RECLASSIFICATION OF CERTAIN INCOME AND EXPENSES**

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Table          of Contents

**ITEM          2.  **
**MANAGEMENT'SDISCUSSION          AND ANALYSIS OF FINANCIAL CONDITION AND          RESULTS OF OPERATIONS.**

**CAUTIONARY      NOTE REGARDING FORWARD-LOOKING STATEMENTS**

**Critical      Accounting Estimates**

*Allowance      for Loan Losses.*

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| **Risk                Rating** | **Definition**                                        |
|--------------------------------|-------------------------------------------------------|
| **0**                          | **Exceptional**                                       |
| **1**                          | **Above                average**                      |
| **2**                          | **Quality**                                           |
| **3**                          | **Satisfactory**                                      |
| **4**                          | **Acceptable                - merits attention**      |
| **5**                          | **Watch                - special mention**            |
| **6**                          | **Substandard**                                       |
| **7**                          | **Doubtful                - collection questionable** |
| **8**                          | **Loss**                                              |
|                           |                                                  |

*Goodwill*

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**FINANCIAL      CONDITION **

**Allowance      for Loan Losses **

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Table          of Contents

|                                                                      |   | **2005**                              |    |  **2004** |   |
|---------------------------------------------------------------------------|--------|---------------------------------------|---------|----------------|--------|
|                                                                      |   | (Dollars                in thousands) |    |
| **Average                amount of loans outstanding**                    |   | $                                     | 499,133 |           | $      | 360,881 |   |
|                                                                      |   |                                  |    |           |   |   |   |
| **Allowance                for loan losses balance, beginning of period** |   | $                                     | 6,049   |           | $      | 3,306 |   |
|                                                                      |   |                                  |    |           |   |   |   |
| **Less                charge-offs**                                       |   |                                  |    |           |   |   |   |
| Commercial                loans                                           |   |                                  | -       |           |   | **-** |   |
| Real                estate loans                                          |   |                                  | -       |           |   | - |   |
| Consumer                loans                                             |   |                                  | (10     | )              |   | - |   |
| Total                charge-offs                                          |   |                                  | (10     | )              |   | - |   |
|                                                                      |   |                                  |    |           |   |   |   |
| **Plus                recoveries**                                        |   |                                  |    |           |   |   |   |
| Commercial                loans                                           |   |                                  | 2       |           |   | - |   |
| Real                estate loans                                          |   |                                  | 1       |           |   | - |   |
| Consumer                loans                                             |   |                                  | -       |           |   | - |   |
| Total                recoveries                                           |   |                                  | 3       |           |   | - |   |
| **Net                charge-offs**                                        |   |                                  | (7      | )              |   | - |   |
|                                                                      |   |                                  |    |           |   |   |   |
| **Plus                provision for loan losses**                         |   |                                  | 300     |           |   | 850 |   |
| **Plus                amount acquired in business combination**           |   |                                  | -       |           |   | 1,416 |   |
| **Allowance                for loan losses balance, end of period**       |   | $                                     | 6,342   |           | $      | 5,572 |   |
|                                                                      |   |                                  |    |           |   |   |   |
| **Net                charge-offs to average loans**                       |   |                                  | 0.0014  | %              |   | - | % |

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|   |                               |                                    |   **June                  30, 2005** |
|--------|------------------------------------|-----------------------------------------|-----------------------------------------------------|
|   |                               |                                    |                                                |   |   |   |   |   |   |
|   |                               |                                    |                                                |   | Past                  Due |   |   |   |
|   |                               | Nonaccrual                              |                                                | 90                  Days |   |  Restructured |
|   |                               | Loans                                   |                                                | Still                  Accruing |   |  Debt |
|   |                               | (Dollars                  in thousands) |
|   |                               |                                    |                                                |   |   |   |   |   |   |
|   | Real                  estate loans | $                                       | 160                                                 |   | $ | - |   | $ | - |
|   | Commercial                  loans  |                                    | 1,284                                               |   |   | - |   |   | - |
|   | Consumer                  loans    |                                    | -                                                   |   |   | - |   |   | - |
|   | Total                              | $                                       | 1,444                                               |   | $ | - |   | $ | - |
|   |                               |                                    |                                                |   |   |   |   |   |   |
|   |                               |                                    |                                                |   |   |   |   |   |   |
|   |                               |                                    |   **June                  30, 2004**      |
|   |                               |                                    |                                                |   |   |   |   |   |   |
|   |                               |                                    |                                                |   | Past                  Due |   |   |   |
|   |                               | Nonaccrual                              |                                                | 90                  Days |   | Restructured |
|   |                               | Loans                                   |                                                | Still                  Accruing |   |  Debt |
|   |                               | (Dollars                  in thousands) |
|   |                               |                                    |                                                |   |   |   |   |   |   |
|   | Real                  estate loans | $                                       | 691                                                 |   | $ | - |   | $ | - |
|   | Commercial                  loans  |                                    | 900                                                 |   |   | - |   |   | - |
|   | Consumer                  loans    |                                    | -                                                   |   |   | - |   |   | - |
|   | Total                              | $                                       | 1,591                                               |   | $ | - |   | $ | - |

**Liquidity      and Sources of Capital **

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|                                                   |   | **ACTUAL** |   | **FOR                CAPITAL****ADEQUACY****PURPOSES** |   | **TO                BE****WELL****CAPITALIZED** |
|--------------------------------------------------------|--------|------------|--------|--------------------------------------------------------|--------|-------------------------------------------------|
|                                                   |   |       |   |
|                                                   |   |       |   |
|                                                   |   |       |   |                                                   |   |                                            |
| As                of June 30, 2005                     |   |       |   |                                                   |   |                                            |
| Total                Capital to Risk Weighted Assets:  |   |       |   |                                                   |   |
| Consolidated                                           |   | 11.74%     |   | 8%                                                     |   | N/A                                             |
| First                Capital Bank                      | 11.48% |       | 8%     |                                                   | 10%    |
| Tier                I Capital to Risk Weighted Assets: |   |       |   |                                                   |   |
| Consolidated                                           |   | 10.57%     |   | 4%                                                     |   | N/A                                             |
| First                Capital Bank                      | 10.31% |       | 4%     |                                                   | 6%     |
| Tier                I Capital to Average Assets:       |   |       |   |                                                   |   |
| Consolidated                                           |   | 8.62%      |   | 4%                                                     |   | N/A                                             |
| First                Capital Bank                      | 8.42%  |       | 4%     |                                                   | 5%     |

**Off-Balance      Sheet Arrangements**

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Table          of Contents

**Three-Month      Period Ended June 30, 2005**

|                                                                                                                                                                                                      |   |  **Three-Month                Period Ended June 30,** |        |
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|------------------------------------------------------------|-------------|
|                                                                                                                                                                                                      |   |                                                       |        | **2005** |   |   |   |    |   | 2004 |   |   |   |
|                                                                                                                                                                                                      |   | **Average****Balances****(1)**                             |        | **Income/****Expense** |   | **Yields/****Rates** |   |  AverageBalances(1) |   | Income/Expense |   | Yields/Rates |   |
|                                                                                                                                                                                                      |   | (Dollars                in Thousands)                      |
| Federal                funds sold and interest-bearingdeposits                                                                                                                                            |   | **$**                                                      | **4,545**   |   | **$** | **31** |   |   | **2.74** | **%** | $ | 5,976 |   | $ | 17 |   |   | 1.14 | % |
| Securities                (2)                                                                                                                                                                             |   |                                                       | **142,754** |   |   | **1,500** |   |   | **4.21** |   |   | 130,384 |   |   | 1,409 |   |   | 4.33 |   |
| Loans,                net of deferred fees (3)(4)                                                                                                                                                         |   |                                                       | **497,243** |   |   | **8,137** |   |   | **6.56** |   |   | 393,964 |   |   | 5,353 |   |   | 5.45 |   |
| Total                interest-earning assets                                                                                                                                                              |   |                                                       | **644,542** |   |   | **9,668** |   |   | **6.02** | **%** |   | 530,324 |   |   | 6,779 |   |   | 5.13 | % |
|                                                                                                                                                                                                      |   |                                                       |        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Unrealized                losses on securities                                                                                                                                                            |   |                                                       | **(1,147**  | **)** |   |   |   |   |   |   |   | (841 | ) |   |   |   |   |   |   |
| Allowance                for loan losses                                                                                                                                                                  |   |                                                       | **(6,249**  | **)** |   |   |   |   |   |   |   | (4,104 | ) |   |   |   |   |   |   |
| Cash                and due from banks                                                                                                                                                                    |   |                                                       | **17,361**  |   |   |   |   |   |   |   |   | 10,171 |   |   |   |   |   |   |   |
| Other                assets                                                                                                                                                                               |   |                                                       | **22,637**  |   |   |   |   |   |   |   |   | 9,152 |   |   |   |   |   |   |   |
| Total                                                                                                                                                                                                     |   | **$**                                                      | **677,144** |   |   |   |   |   |   |   | $ | 544,702 |   |   |   |   |   |   |   |
|                                                                                                                                                                                                      |   |                                                       |        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Transaction                and money market deposits                                                                                                                                                      |   | **$**                                                      | **130,673** | ** ** | **$** | **372** | ** ** | ** ** | **1.14** | **%** | $ | 103,302 |   | $ | 189 |   |   | 0.73 | % |
| Time                deposits                                                                                                                                                                              |   |                                                       | **230,780** |   |   | **1,687** |   |   | **2.93** |   |   | 219,853 |   |   | 1,435 |   |   | 2.62 |   |
| Federal                  funds purchased and securitiessold                under repurchase agreements                                                                                                    |   |                                                       | **15,806**  |   |   | **119** |   |   | **3.02** |   |   | 4,433 |   |   | 19 |   |   | 1.72 |   |
| Other                borrowings                                                                                                                                                                           |   |                                                       | **124,021** |   |   | **975** |   |   | **3.15** |   |   | 121,101 |   |   | 1,132 |   |   | 3.75 |   |
| Subordinated                debentures                                                                                                                                                                    |   |                                                       | **6,392**   |   |   | **144** |   |   | **9.04** |   |   | 6,392 |   |   | 144 |   |   | 9.04 |   |
| Total                interest-bearing liabilities                                                                                                                                                         |   |                                                       | **507,672** |   |   | **3,297** |   |   | **2.60** | **%** |   | 455,081 |   |   | 2,919 |   |   | 2.57 | % |
|                                                                                                                                                                                                      |   |                                                       |        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Non                interest-bearing demand deposits                                                                                                                                                       |   |                                                       | **105,097** |   |   |   |   |   |   |   |   | 55,486 |   |   |   |   |   |   |   |
| Other                liabilities                                                                                                                                                                          |   |                                                       | **5,411**   |   |   |   |   |   |   |   |   | 2,652 |   |   |   |   |   |   |   |
| Stockholders’                equity                                                                                                                                                                 |   |                                                       | **58,964**  |   |   |   |   |   |   |   |   | 31,483 |   |   |   |   |   |   |   |
| Total                                                                                                                                                                                                     |   | **$**                                                      | **677,144** |   |   |   |   |   |   |   | $ | 544,702 |   |   |   |   |   |   |   |
|                                                                                                                                                                                                      |   |                                                       |        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net                interest income                                                                                                                                                                        |   |                                                       |        |   | **$** | **6,371** |   |   |   |   |   |   |   | $ | 3,860 |   |   |   |   |
|                                                                                                                                                                                                      |   |                                                       |        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net                interest spread                                                                                                                                                                        |   |                                                       |        |   |   |   |   |   | **3.42** | **%** |   |   |   |   |   |   |   | 2.56 | % |
| Net                interest margin                                                                                                                                                                        |   |                                                       |        |   |   |   |   |   | **3.96** | **%** |   |   |   |   |   |   |   | 2.92 | % |
|                                                                                                                                                                                                      |   |                                                       |        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| (1)                Average balances are daily averages.                                                                                                                                                   |
| (2)                Securities available for sale are reported at amortized cost.                                                                                                                          |
| (3)                Loans include nonaccrual loans.                                                                                                                                                        |
| (4)                Interest and fees on loans includes fees of $308,000 and $253,000                for the                three month periods ended June 30, 2005 and 2004,                respectively. |

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**Six-Month      Period Ended June 30, 2005**

|                                                                                                                                                                                |   | **Six-Month                Period Ended June 30,** |        |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|----------------------------------------------------|-------------|
|                                                                                                                                                                                |   |                                               |        | **2005** |   |   |   |    |   | 2004 |   |   |   |
|                                                                                                                                                                                |   | **Average****Balances****(1)**                     |        | **Income/****Expense** |   | **Yields/****Rates** |   |  AverageBalances(1) |   | Income/Expense |   | Yields/Rates |   |
|                                                                                                                                                                                |   |                                               |        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Federal                  funds sold and interest-bearingdeposits                                                                                                                    |   | **$**                                              | **3,661**   | ** ** | **$** | **47** | ** ** | ** ** | **2.59** | **%** | $ | 6,437 |   | $ | 34 |   |   | 1.06 | % |
| Securities                (2)                                                                                                                                                       |   |                                               | **141,554** |   |   | **2,977** |   |   | **4.24** |   |   | 123,165 |   |   | 2,643 |   |   | 4.30 |   |
| Loans,                net of deferred fees (3)(4)                                                                                                                                   |   |                                               | **499,133** |   |   | **16,085** |   |   | **6.50** |   |   | 359,929 |   |   | 9,631 |   |   | 5.37 |   |
| Total                interest-earning assets                                                                                                                                        |   |                                               | **644,348** |   |   | **19,109** |   |   | **5.98** | **%** |   | 489,531 |   |   | 12,308 |   |   | 5.04 | % |
|                                                                                                                                                                                |   |                                               |        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Unrealized                gains (losses) on securities                                                                                                                              |   |                                               | **(729**    | **)** |   |   |   |   |   |   |   | (364 | ) |   |   |   |   |   |   |
| Allowance                for loan losses                                                                                                                                            |   |                                               | **(6,178**  | **)** |   |   |   |   |   |   |   | (3,722 | ) |   |   |   |   |   |   |
| Cash                and due from banks                                                                                                                                              |   |                                               | **16,042**  |   |   |   |   |   |   |   |   | 9,030 |   |   |   |   |   |   |   |
| Other                assets                                                                                                                                                         |   |                                               | **21,276**  |   |   |   |   |   |   |   |   | 6,999 |   |   |   |   |   |   |   |
| Total                                                                                                                                                                               |   | **$**                                              | **674,759** |   |   |   |   |   |   |   | $ | 501,474 |   |   |   |   |   |   |   |
|                                                                                                                                                                                |   |                                               |        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Transaction                and money market deposits                                                                                                                                |   | **$**                                              | **126,776** | ** ** | **$** | **675** | ** ** | ** ** | **1.07** | **%** | $ | 92,125 |   | $ | 337 |   |   | 0.73 | % |
| Time                deposits                                                                                                                                                        |   |                                               | **234,169** |   |   | **3,266** |   |   | **2.81** |   |   | 203,180 |   |   | 2,735 |   |   | 2.70 |   |
|                                                                                                                                                                                |   |                                               |        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Federal                  funds purchased and securitiessold                under repurchase agreements                                                                              |   |                                               | **20,166**  |   |   | **281** |   |   | **2.81** |   |   | 4,107 |   |   | 31 |   |   | 1.51 |   |
| Other                borrowings                                                                                                                                                     |   |                                               | **122,259** |   |   | **1,899** |   |   | **3.13** |   |   | 116,128 |   |   | 1876 |   |   | 3.24 |   |
| Subordinated                debentures                                                                                                                                              |   |                                               | **6,392**   |   |   | **288** |   |   | **9.09** |   |   | 6,392 |   |   | 288 |   |   | 9.04 |   |
| Total                interest-bearing liabilities                                                                                                                                   |   |                                               | **509,762** |   |   | **6,409** |   |   | **2.54** | **%** |   | 421,932 |   |   | 5,267 |   |   | 2.50 | % |
|                                                                                                                                                                                |   |                                               |        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Non                interest-bearing demand deposits                                                                                                                                 |   |                                               | **102,079** |   |   |   |   |   |   |   |   | 51,166 |   |   |   |   |   |   |   |
| Other                liabilities                                                                                                                                                    |   |                                               | **4,509**   |   |   |   |   |   |   |   |   | 2,042 |   |   |   |   |   |   |   |
| Stockholders’                equity                                                                                                                                           |   |                                               | **58,409**  |   |   |   |   |   |   |   |   | 26,334 |   |   |   |   |   |   |   |
| Total                                                                                                                                                                               |   | **$**                                              | **674,759** |   |   |   |   |   |   |   | $ | 501,474 |   |   |   |   |   |   |   |
|                                                                                                                                                                                |   |                                               |        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net                interest income                                                                                                                                                  |   |                                               |        |   | **$** | **12,700** |   |   |   |   |   |   |   | $ | 7,041 |   |   |   |   |
|                                                                                                                                                                                |   |                                               |        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net                interest spread                                                                                                                                                  |   |                                               |        |   |   |   |   |   | **3.44** | **%** |   |   |   |   |   |   |   | 2.54 | % |
| Net                interest margin                                                                                                                                                  |   |                                               |        |   |   |   |   |   | **3.97** | **%** |   |   |   |   |   |   |   | 2.88 | % |
|                                                                                                                                                                                |   |                                               |        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| (1)                Average balances are daily averages.                                                                                                                             |
| (2)                Securities available for sale are reported at amortized cost.                                                                                                    |
| (3)                Loans include nonaccrual loans.                                                                                                                                  |
| (4)                Interest and fees on loans includes fees of $837,000 and                $454,000 for the periods ended June 30, 2005 and 2004,                respectively. |

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Table          of Contents

**ITEM      3. **
**DISCLOSURE**
**CONTROLS      AND PROCEDURES**

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Table          of Contents

**PARTII.      OTHER INFORMATION**

**ITEM      2.  UNREGISTERED SALES OF THE COMPANY’S COMMON      STOCK**

**REPURCHASES      OF THE COMPANY’S COMMON STOCK**

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Table          of Contents

**ITEM      6.**
**EXHIBITS**

|   | Exhibit                No. | Description                                                                                                                                                                                                                                                                             |
|--------|----------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   |                       |                                                                                                                                                                                                                                                                                    |
|   | 31.1                       | Certification                by H.N. Padget, Jr., principal executive officer, pursuant to Section                302                of the Sarbanes-Oxley Act of 2002 (Rule 13a-14(a)                Certification).                                                                   |
|   |                       |                                                                                                                                                                                                                                                                                    |
|   | 31.2                       | Certification                by William R. Blanton, principal financial officer, pursuant to Section                302 of the Sarbanes-Oxley Act of 2002 (Rule 13a-14(a)                Certification).                                                                                |
|   |                       |                                                                                                                                                                                                                                                                                    |
|   | 32.1                       | Certification                by H.N. Padget, Jr., principal executive officer, and William R.                Blanton,                principal financial officer, pursuant to Section 906 of the Sarbanes-Oxley                Act of 2002 (Section 1350                Certification). |

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Table          of Contents

**SIGNATURES**

| Date:                August 11, 2005       | By: /s/                H. N. Padget, Jr.                       H. N. Padget, Jr., President and Chief Executive Officer                       (principal executive officer)            |
|--------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                       |                                                                                                                                                                                                                                                              |
| Date:                August 11, 2005  | By:                 /s/                William R. Blanton                                                                                                                                                                                                    |
|                                       |                        William R. Blanton, Vice Chairman, Chief Operating and Financial                Officer                       (principal financial and accounting                officer) |

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Table          of Contents

**EXHIBIT      INDEX**

| **Exhibit                Number** | **Description**                                                                                                                                                                                                                                                                         |
|-----------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                              |                                                                                                                                                                                                                                                                                    |
| 31.1                              | Certification                by H.N. Padget, Jr., principal executive officer, pursuant to Section                302                of the Sarbanes-Oxley Act of 2002 (Rule 13a-14(a)                Certification).                                                                   |
|                              |                                                                                                                                                                                                                                                                                    |
| 31.2                              | Certification                by William R. Blanton, principal financial officer, pursuant to Section                302 of the Sarbanes-Oxley Act of 2002 (Rule 13a-14(a)                Certification).                                                                                |
|                              |                                                                                                                                                                                                                                                                                    |
| 32.1                              | Certification                by H.N. Padget, Jr., principal executive officer, and William R.                Blanton,                principal financial officer, pursuant to Section 906 of the Sarbanes-Oxley                Act of 2002 (Section 1350                Certification). |