<PAGE>


                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              Washington, DC 20549

                                   FORM 10-QSB

[X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
                                   ACT OF 1934

For the quarterly period ended  September 30, 2002

                          Commission File No. 000-33373

                       COMMUNITY CENTRAL BANK CORPORATION
                       ----------------------------------
        (Exact name of small business issuer as specified in its charter)

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

          100 North Main Street, PO Box 7, Mount Clemens, MI 48046-0007
          -------------------------------------------------------------
             (Address of principal executive offices and zip code)

                                 (586) 783-4500
                                 --------------
                           (Issuer's telephone number)


State the number of shares outstanding of each of the issuer's classes of common
equity, as of the latest practicable date:

           Class                                Outstanding at November 13, 2002
           -----                                --------------------------------
Common Stock, $5 stated value                           2,670,778 Shares



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


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


                                     PART I


ITEM 1.  FINANCIAL STATEMENTS

The financial statements of Community Central Bank Corporation (the
"Corporation") include the consolidation of its direct and indirect
subsidiaries: Community Central Bank (the "Bank"); Community Central Capital
Trust I (the "Trust"); and Community Central Mortgage Company, LLC (the
"Mortgage Company"). The Trust, a business trust subsidiary of the Corporation
was established in June 2002 for the purpose of issuing floating rate cumulative
preferred securities ("Trust Preferred Securities").

Following are the Corporation's Consolidated Balance Sheet as of September 30,
2002 and December 31, 2001, and Consolidated Statements of Income, Comprehensive
Income, and Cash Flow for the quarter and nine-month periods ended September 30,
2002 and September 30, 2001. These unaudited financial statements are for
interim periods, and do not include all disclosures normally provided with
annual financial statements. The interim statements should be read in
conjunction with the financial statements and footnotes contained in the
Corporation's Annual Report on Form 10-KSB for the fiscal year ended December
31, 2001.

In the opinion of management, the interim statements referred to above contain
all adjustments (consisting of normal, recurring items) necessary for a fair
presentation of the financial statements. The results of operations for interim
periods are not necessarily indicative of the results to be expected for the
full year.


                                       2
<PAGE>


COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)

CONSOLIDATED BALANCE SHEET

<TABLE>
<CAPTION>
                                                     September 30,   December 31,
                                                         2002            2001
                                                       ---------      ---------
                                                      (unaudited)
                                                           (In thousands)
<S>                                                   <C>            <C>
Assets
Cash and due from banks                                $   6,392      $   6,892
Federal funds sold                                        15,700         21,200
                                                       ---------      ---------
   Cash and Cash Equivalents                              22,092         28,092
                                                       ---------      ---------

Securities available for sale, at fair value              60,477         44,328
Investment securities, at amortized cost                   1,397          1,207
FHLB stock                                                 1,570            875
Residential mortgage loans held for sale                   9,645          5,010

Loans
   Residential mortgage loans                             22,035         21,200
   Commercial loans                                      154,962        128,174
   Installment loans                                       5,891          4,837
                                                       ---------      ---------
   Total Loans                                           182,888        154,211
Allowance for credit losses                               (3,237)        (2,930)
                                                       ---------      ---------
   Net Loans                                             179,651        151,281
                                                       ---------      ---------

Net property and equipment                                 1,889          1,777
Other real estate owned                                      320             --
Accrued interest receivable                                1,171          1,248
Other assets                                               1,963          1,218
                                                       ---------      ---------
   Total Assets                                        $ 280,175      $ 235,036
                                                       =========      =========
</TABLE>

(continued)



                                       3
<PAGE>


COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)

CONSOLIDATED BALANCE SHEET


<TABLE>
<CAPTION>
                                                      September 30,  December 31,
                                                          2002           2001
                                                        ---------     ---------
                                                       (unaudited)
                                                              (In thousands)
<S>                                                    <C>           <C>
Liabilities

Deposits
   Noninterest bearing demand deposits                  $  33,682     $  27,188
   NOW and money market accounts                           26,455        19,185
   Savings deposits                                         5,918         7,572
   Time deposits                                          138,463       138,369
                                                        ---------     ---------
   Total deposits                                         204,518       192,314
                                                        ---------     ---------

Repurchase agreements                                       9,681         6,739
Federal Home Loan Bank advances                            31,400        13,400
Accrued interest payable                                      488           438
Other liabilities                                             739           304
Capitalized lease obligation                                  962           993
ESOP note payable                                             333           371
Guaranteed preferred beneficial interests in
   the Corporation's subordinated debentures               10,000            --
                                                        ---------     ---------
   Total Liabilities                                      258,121       214,559
                                                        ---------     ---------
Stockholders' Equity
   Common stock -- $5.00 stated value; 9,000,000
     shares authorized; 2,670,778 shares issued
     and outstanding at 9-30-2002, and 2,661,922
     at 12-31-2001                                         13,354        13,309
   Additional paid-in capital                               5,032         5,009
   Accumulated surplus                                      3,441         2,368
   Unearned employee benefit                                 (334)         (371)
   Accumulated other comprehensive income                     561           162
                                                        ---------     ---------
   Total Stockholders' Equity                              22,054        20,477
                                                        ---------     ---------
Total Liabilities and Stockholders' Equity              $ 280,175     $ 235,036
                                                        =========     =========
</TABLE>


                                       4

<PAGE>


COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)

CONSOLIDATED STATEMENT OF INCOME
(Unaudited)
<TABLE>
<CAPTION>
                                                                             Three Months Ended               Nine Months Ended
                                                                                September 30,                    September 30,
                                                                            2002            2001             2002              2001
                                                                          -------          -------          -------          -------
                                                                                     (In thousands, except per share data)
<S>                                                                       <C>              <C>              <C>              <C>
Interest Income
   Loans (including fees)                                                 $ 3,174          $ 3,027          $ 9,024          $ 9,603
   Securities                                                                 632              588            1,769            1,403
   Federal funds sold                                                          91              140              253              875
                                                                          -------          -------          -------          -------
   Total Interest Income                                                    3,897            3,755           11,046           11,881
                                                                          -------          -------          -------          -------
Interest Expense
   Deposits                                                                 1,237            1,639            3,771            5,980
   Short term borrowings                                                       37               49              111              134
   Advances from FHLB                                                         250              121              640              127
   Capitalized lease obligation                                                33               33               98              101
   ESOP loan interest expense                                                   4                7               13               23
   Interest expense of guaranteed preferred
     beneficial interest in Corporation's
     subordinated debentures                                                  156               --              161               --
                                                                          -------          -------          -------          -------
   Total Interest Expense                                                   1,717            1,849            4,794            6,365
                                                                          -------          -------          -------          -------
   Net Interest Income                                                      2,180            1,906            6,252            5,516
Provision for credit losses                                                   260              150              575              325
                                                                          -------          -------          -------          -------
   Net Interest Income after Provision                                      1,920            1,756            5,677            5,191
                                                                          -------          -------          -------          -------
Noninterest Income
   Deposit service charges                                                     57               63              163              198
   Net realized security gain                                                 142              144              176              239
   Mortgage banking income                                                  1,657              366            3,108              366
   Other income                                                                35               86              147              229
                                                                          -------          -------          -------          -------
   Total Noninterest Income                                                 1,891              659            3,594            1,032
                                                                          -------          -------          -------          -------
Noninterest Expense
   Salaries, benefits, and payroll taxes                                    1,998              933            4,315            2,128
   Premises and fixed asset expense                                           320              239              823              628
   Other operating expense                                                    756              579            2,162            1,615
                                                                          -------          -------          -------          -------
Total Noninterest Expense                                                   3,074            1,751            7,300            4,371
                                                                          -------          -------          -------          -------
   Income Before Taxes                                                        737              664            1,971            1,852
Provision for income taxes                                                    241              223              631              622
                                                                          -------          -------          -------          -------
   Net Income                                                             $   496          $   441          $ 1,340          $ 1,230
                                                                          =======          =======          =======          =======
</TABLE>

(continued)



                                       5
<PAGE>



COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)

CONSOLIDATED STATEMENT OF INCOME
(Unaudited)

<TABLE>
<CAPTION>
                                             Three Months Ended                      Nine Months Ended
                                                September 30,                           September 30,
                                          2002                2001               2002                2001
                                        --------            --------            --------            --------
<S>                                     <C>                 <C>                 <C>                 <C>
Per share data:
   Basic earnings                       $   0.19            $   0.17            $   0.51            $   0.47

   Diluted earnings                     $   0.19            $   0.17            $   0.51            $   0.47
                                        ========            ========            ========            ========
   Cash Dividends                       $   0.05            $  --               $   0.10            $  --
                                        ========            ========            ========            ========
</TABLE>



                                       6
<PAGE>




COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)

CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME
(Unaudited)

<TABLE>
<CAPTION>
                                                      Three Months Ended                 Nine Months Ended
                                                          September 30,                    September 30,
                                                     2002             2001             2002              2001
                                                    ------           ------           ------           ------
                                                                         (In thousands)
<S>                                                 <C>              <C>              <C>              <C>
Net Income as Reported                              $  496           $  441           $1,340           $1,230

Other Comprehensive Income, Net of Tax
   Change in unrealized gain on securities
     available for sale                                302              215              399              339
                                                    ------           ------           ------           ------
Comprehensive Income                                $  798           $  656           $1,739           $1,569
                                                    ======           ======           ======           ======
</TABLE>



                                       7
<PAGE>



COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)

CONSOLIDATED STATEMENT OF CASH FLOW
(Unaudited)

<TABLE>
<CAPTION>
                                                                         Nine Months Ended September 30,
                                                                           2002                  2001
                                                                         --------              --------
Operating Activities                                                             (In thousands)
<S>                                                                      <C>                   <C>
   Net income                                                            $  1,340              $  1,230
   Adjustments to reconcile net income to net cash flow
     from operating activities:
    Net premium of security discount                                          249                    42
    Net gain on sales and call of securities                                 (176)                 (239)
    Provision for credit losses                                               575                   325
    Depreciation expense                                                      305                   273
    Deferred income tax                                                      (237)                  (21)
    ESOP compensation expense                                                  37                    37
    Decrease in accrued interest receivable                                    77                   132
    (Increase) decrease in other assets                                    (1,033)                  133
    Increase (decrease) in accrued interest payable                            50                  (523)
    Increase in other liabilities                                             533                   177
    Increase in loans held for sale                                        (4,635)                   --
                                                                         --------              --------
   Net Cash (Used in) Provided by Operating Activities                     (2,915)                1,566

Investing Activities
   Maturities, calls, sales and prepayments of securities
     available for sale                                                    41,868                22,634
   Purchase of securities available for sale                              (58,171)              (39,625)
   Maturities, calls, and prepayments of investment securities                474                   399
   Purchases of investment securities                                        (674)                 (429)
   (Increase) decrease in loans                                           (28,945)                3,115
   Purchases of property and equipment                                       (417)                 (178)
                                                                         --------              --------
   Net Cash Used in Investing Activities                                  (45,865)              (14,084)

Financing Activities
   Net increase in demand and savings deposits                             12,110                 4,803
   Net increase (decrease) in time deposits                                    94               (19,027)
   Net increase in short term borrowings                                    2,942                 5,003
   Guaranteed preferred beneficial interest in Corporation's
     subordinated debentures                                               10,000                    --
   Increase in FHLB advances                                               18,000                17,500
   Repayment of capitalized lease obligation                                 (130)                 (112)
   Payment of ESOP debt                                                       (37)                  (37)
   Stock option exercise/award                                                 68                    --
   Cash dividends paid                                                       (267)                   --
                                                                         --------              --------
   Net Cash Provided by Financing Activities                               42,780                 8,130
                                                                         --------              --------
Decrease in Cash and Cash Equivalents                                      (6,000)               (4,388)
Cash and Cash Equivalents at the Beginning of the Year                     28,092                33,012
                                                                         --------              --------
Cash and Cash Equivalents at the End of the Period                       $ 22,092              $ 28,624
                                                                         ========              ========
Supplemental Disclosure of Cash Flow Information:
   Interest Paid                                                         $  4,744              $  6,888
   Federal Taxes Paid                                                    $    865              $    530
                                                                         ========              ========
</TABLE>



                                       8
<PAGE>


COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)

ITEM 2.  MANAGEMENT'S DISCUSSION AND ANALYSIS OR PLAN OF OPERATION

The following discussion compares the financial condition of the Corporation and
its wholly owned subsidiaries at September 30, 2002 and December 31, 2001 and
the results of operations for the quarter and nine months ended September 30,
2002 and 2001. This discussion should be read in conjunction with the financial
statements and statistical data presented elsewhere in this report. This report
contains forward-looking statements that are based on management's beliefs,
assumptions, current expectations, estimates and projections about the financial
services industry, the economy, and about the Corporation and the Bank. Words
such as "anticipates," "believes," "estimates," "expects," "forecasts,"
"intends," "is likely," "plans," "projects," variations of such words and
similar expressions are intended to identify such forward-looking statements.
These forward-looking statements are intended to be covered by the safe-harbor
provisions of the Private Securities Litigation Reform Act of 1995. These
statements are not guarantees of future performance and involve certain risks,
uncertainties and assumptions ("Future Factors") that are difficult to predict
with regard to timing, extent, likelihood and degree of occurrence. Actual
results and outcomes may materially differ from what may be expressed or
forecasted in the forward-looking statements. The Corporation undertakes no
obligation to update, amend, or clarify forward looking statements, whether as a
result of new information, future events (whether anticipated or unanticipated),
or otherwise.

Future Factors include changes in interest rate and interest rate relationships;
demand for products and services; the degree of competition by traditional and
non-traditional competitors; changes in banking regulation; changes in tax laws;
changes in prices, levies, and assessments; the impact of technological
advances; governmental and regulatory policy changes; the outcomes of
contingencies; trends in customer behavior as well as their ability to repay
loans; changes in the national and local economy; and other factors, including
risk factors, referred to from time to time in filings made by the Corporation
with the Securities and Exchange Commission. These are representative of the
Future Factors that could cause a difference between an ultimate actual outcome
and a preceding forward-looking statement.


                                       9

<PAGE>

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)


ASSETS

The Corporation's total assets increased by $45.2 million, to $280.2 million at
September 30, 2002, compared with $235.0 million at December 31, 2001.

The following table shows the amortized cost and estimated fair value of the
Corporation's security portfolio as of the dates indicated. On the balance
sheet, investment securities (i.e., those which the Corporation has the ability
and intent to hold to maturity) are stated at cost, adjusted for amortization of
premium or accretion of discount. Securities available for sale are shown on the
balance sheet at estimated fair value.


<TABLE>
<CAPTION>
                                                     September 30, 2002                  December 31, 2001
                                                 --------------------------          --------------------------
                                                 Amortized           Fair            Amortized           Fair
                                                    Cost             Value              Cost             Value
                                                 ---------          -------          ---------          -------
                                                                          (In thousands)
<S>                                              <C>               <C>               <C>               <C>
Securities Available for Sale
   U.S. Government agency debentures              $15,180           $15,405           $22,089           $22,171
   Mortgage backed securities                       9,479             9,576             2,440             2,471
   Fed Agency / Collateralized mortgage
     obligations                                   24,721            24,994            13,874            14,033
   Municipal bonds                                 10,246            10,502             5,678             5,653
                                                  -------           -------           -------           -------
       Total Securities Available for Sale         59,626            60,477            44,081            44,328
                                                  -------           -------           -------           -------

Investment Securities
   Mortgage backed securities                       1,397             1,429             1,207             1,233
                                                  -------           -------           -------           -------
       Total Investment Securities                  1,397             1,429             1,207             1,233
                                                  -------           -------           -------           -------

       Total Securities                           $61,023           $61,906           $45,288           $45,561
                                                  =======           =======           =======           =======
</TABLE>


                                       10
<PAGE>

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)



Mortgage loans held for sale totaled $9,645,000 at September 30, 2002 compared
to $5,010,000 at December 31, 2001. The mortgage loans were originated by the
Mortgage Company, which started operations July 9, 2001. Loans closed generally
remain in loans held for sale for less than 30 days in duration. Loans are
normally committed for sale before funding takes place. Commercial loans
increased $26.8 million for the nine months ended September 30, 2002, while
residential mortgage loans increased by $835,000 for the same period, reflecting
increased refinancing activity. Total loans increased by $28.7 million in
aggregate during the nine-month period ended September 30, 2002.

The Corporation makes loans to customers primarily in Macomb County, Michigan.
Although the Corporation has a diversified loan portfolio, a substantial portion
of the local economy has traditionally been dependent on the automotive
industry. Additionally, the Corporation had approximately $35.6 million in
outstanding loans at September 30, 2002, to commercial borrowers in the real
estate rental and property management industries.

A summary of nonperforming assets is as follows:

<TABLE>
<CAPTION>
                                                    September 30,      December 31,
                                                        2002              2001
                                                     ---------         ---------
                                                             (In thousands)
<S>                                                 <C>               <C>
Impaired loans:
   Nonaccrual                                          $  516            $2,572
                                                       ------            ------
Total nonaccruing loans                                $  516            $2,572

Loans past due 90 days and still accruing interest:

   Commercial                                          $   --            $   --
   Residential real estate                                210                --
   Installment                                            133                10
                                                       ------            ------
Total loans past due 90 days and
   still accruing interest                             $  343            $   10
                                                       ------            ------

Total nonaccruing and loans past due 90 days
   and still accruing interest                         $  859            $2,582
                                                       ------            ------
Other real estate owned                                   320                --
                                                       ------            ------
Total nonperforming assets                             $1,179            $2,582
                                                       ======            ======
Total nonaccruing loans as a percentage of
   total loans                                           0.28%             1.67%
                                                       ======            ======

Total nonaccruing loans and loans past due
   90 days or more and still accruing interest
   as a percentage of total loans                        0.47%             1.67%
                                                       ======            ======

Total nonperforming assets as a percentage
   of total assets                                       0.42%             1.10%
                                                       ======            ======
</TABLE>


                                       11
<PAGE>

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)


Total nonaccruing loans as of September 30, 2002 as a percentage of total loans
was 0.28%, decreasing from December 31, 2001 at 1.67%. Total nonaccruing loans
and loans past due 90 days or more and still accruing as an aggregate, compared
to total loans as a percentage, was 0.47% as of September 30, 2002. This is down
from December 31, 2001 when the percentage was 1.67%. Total nonperforming assets
which includes nonaccruing loans, loans past due 90 days or more and still
accruing and other real estate owned, was 0.42% as of September 30, 2002, again
down from December 31, 2001 at 1.10%.

The following table shows an analysis of the allowance for credit losses:

<TABLE>
<CAPTION>
                                                       Nine Months Ended September 30,
                                                          2002                2001
                                                         -------             -------
                                                            (Dollars in thousands)
<S>                                                    <C>                 <C>
Allowance for credit losses at
   beginning of period                                   $ 2,930             $ 2,654

Provision charged to expense                                 575                 325
Loans charged off                                           (325)               (246)
Loans recovered                                               57                  58
                                                         -------             -------
Allowance for credit losses at end of period             $ 3,237             $ 2,791
                                                         =======             =======
Allowance for credit losses as a percentage
   of portfolio loans at period end                         1.77%               1.86%
</TABLE>

The allowance for credit losses as a percentage of total loans, was 1.77% at
September 30, 2002, versus 1.86% at December 31, 2001. In each accounting
period, management evaluates the problems and potential losses in the loan
portfolio. Consideration is also given to off-balance sheet items that may
involve credit risk, such as commitments to extend credit and financial
guarantees. Management's evaluation of the allowance is further based on
consideration of actual loss experience, the present and prospective financial
condition of borrowers, adequacy of collateral, industry concentrations within
the portfolio, and general economic conditions. Management believes that the
present allowance is adequate, based on the broad range of considerations listed
above.

The primary risk element considered by management regarding each installment and
residential real estate loan is lack of timely payment. Management has a
reporting system that monitors past due loans and has adopted policies to pursue
its creditor's rights in order to preserve the Bank's position. The primary risk
elements concerning commercial loans are the financial condition of the
borrower, the sufficiency of collateral, and lack of timely payment. Management
has a policy of requesting and reviewing financial statements from its
commercial loan customers, and periodically reviews existence of collateral and
its value.

Although management believes that the allowance for credit losses is adequate to
absorb losses as they arise, there can be no assurance that the Bank will not
sustain losses in any given period that could be substantial in relation to the
size of the allowance for credit losses.


                                       12
<PAGE>

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)


LIABILITIES

During the nine months ended September 30, 2002, total deposits increased by
$12.2 million, to $204.5 million. The increase in deposits was attributable to
increases in demand and interest bearing core deposit accounts. Management
attributes the increase in these accounts to new customer relationships and
general market place conditions. The Corporation has been utilizing Federal Home
Loan Bank ("FHLB") advances to better match against interest rate risk as
described below.

Short term borrowings at September 30, 2002 consisted of securities sold with an
agreement to repurchase them the following day. Following are details of short
term borrowings for the dates indicated:

<TABLE>
<CAPTION>
                                                        September 30,   December 31,
                                                            2002            2001
                                                         -----------    -----------
                                                          (Dollars in thousands)
<S>                                                     <C>            <C>
Amount outstanding at end of period                        $ 9,681        $ 6,739
Weighted average interest rate on ending balance              1.75%          1.75%


Maximum amount outstanding at any month end
  during the period                                        $10,932        $ 9,160
</TABLE>


In June 2001, the Corporation started to borrow long-term advances from the FHLB
to fund fixed rate instruments and to minimize the interest rate risk associated
with certain fixed rate commercial mortgage loans and investment securities.
These advances are secured under a blanket security agreement by first mortgage
loans and the pledging of certain securities.

FHLB advances outstanding at September 30, 2002 were as follows:

<TABLE>
<CAPTION>
                                                             September 30, 2002
                                                           ----------------------
                                                           (Dollars in thousands)
                                                         Ending       Average rate
                                                        Balance      at end of period
                                                       --------      ----------------
<S>                                                    <C>           <C>
Short-term FHLB advances                                $ 5,000               4.51%
Long-term FHLB advances                                  26,400               4.39%
                                                        -------            -------
                                                        $31,400               4.41%
</TABLE>


Long-term advances comprised ten advances with maturities ranging from January
2004 to September 2012.



                                       13




<PAGE>

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)


LIQUIDITY AND CAPITAL RESOURCES

Following are selected capital ratios for the Corporation as of the dates
indicated, along with the minimum regulatory requirement for each item. Capital
requirements for bank holding companies are set by the Federal Reserve Board. In
many cases, bank holding companies are expected to operate at capital levels
higher than the minimum requirement.

<TABLE>
<CAPTION>
                                                   September 30,   December 31,         Minimum
                                                       2002            2001           Requirement
                                                     --------      ----------         ----------
<S>                                                <C>             <C>                <C>
Tier I capital to risk-weighted assets                14.39%          12.14%                4%
Total capital to risk-weighted assets                 17.07%          13.40%                8%
Primary capital to assets                             11.25%           9.89%                5.5%
Total capital to assets                               11.25%           9.89%                6%
Tier I capital to quarterly average assets (leverage) 10.64%           8.97%                4%
</TABLE>


On July 17, 2002, the Board of Directors of the Corporation declared the
Corporation's second cash dividend, with the dividend payment set at $0.05 per
common share, payable October 1, 2002, to shareholders of record September 2,
2002.

During the second quarter of 1999, the Corporation established an employee stock
ownership plan ("ESOP"). The ESOP subsequently borrowed $500,000 from an
unrelated bank to finance the purchase of the Corporation's stock. The ESOP loan
has been recorded as if it was long term debt of the Corporation, with a
corresponding reduction in equity. Repayment of the loan will be made solely
from contributions by the Corporation, which has guaranteed the loan.

Community Central Capital Trust I, a business trust subsidiary of the
Corporation sold 10,000 Cumulative Preferred Securities ("trust preferred
securities") at $1,000.00 per trust preferred security in June 2002. The
proceeds from the sale of the trust preferred securities were used by the trust
to purchase an equivalent amount of subordinated debentures from the
Corporation. The trust preferred securities carry a variable rate of interest at
the three month libor plus 365 basis points, have a stated maturity of 30 years,
and, in effect, are guaranteed by the Corporation. The securities are redeemable
at par after 5 years. Distributions on the trust preferred securities are
payable quarterly on March 30, June 30, September 30 and December 30. The first
distribution was paid on September 30, 2002. Under certain circumstances,
distributions may be deferred for up to 20 calendar quarters. However, during
any such deferrals, interest accrues on any unpaid distributions at the rate of
the three month libor plus 365 basis points. The trust preferred securities are
carried on the Corporation's consolidated balance sheet as a liability and the
interest expense is recorded on the Corporation's consolidated statement of
income.

The Trust Preferred Securities qualify for up to 25% of Tier I Capital. Any
amount in excess of this limit may be included in Tier 2 Capital.



                                       14
<PAGE>

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)



The following table shows the changes in stockholders' equity for the nine
months ended September 30, 2002:

<TABLE>
<CAPTION>
                                              Additional                      Unearned     Accumulated Other
                                 Common         Paid-In       Retained        Employee       Comprehensive      Total
                                  Stock         Capital       Earnings        Benefits         Income           Equity
                                ---------    -----------      --------       ----------    ----------------   ---------
<S>                             <C>          <C>            <C>             <C>            <C>               <C>
Beginning balance, January 1     $ 13,309       $  5,009       $  2,368        ($   371)       $    162       $ 20,477

Cash dividend                          --             --           (267)             --              --           (267)
Stock option exercise/award            45             23             --              --              --             68
Net income                             --             --          1,340              --              --          1,340
Release of ESOP shares                 --             --             --              37              --             37
Other comprehensive income             --             --             --              --             399            399
                                 --------       --------       --------        --------        --------       --------
Balance September 30, 2002       $ 13,354       $  5,032       $  3,441        ($   334)       $    561       $ 22,054
                                 ========       ========       ========        ========        ========       ========
</TABLE>

NET INTEREST INCOME

For the nine months ended September 30, 2002, net interest income increased by
13.3%, or $736,000 over the nine months ended September 30, 2001. This was
primarily due to a decrease in the average rate paid on interest-bearing
liabilities as compared to a year ago. Net interest income for the three months
ended September 30, 2002, increased $274,000 or 14.4%, as compared to the prior
three month period as a result of an increase in the volume of interest-earning
assets and a decrease in the average rate paid on interest-bearing liabilities
as compared to the prior year. The Corporation continues to utilize advances
from the Federal Home Loan Bank to insulate interest rate risk when funding
longer term fixed rate loans and investments. The net interest margin decreased
for the third quarter to 3.34% compared with 3.67% for the third quarter of 2001
and for the nine months ended September 30, 2002 to 3.43% compared to 3.53% for
the comparable nine month period in 2001.


                                       15

<PAGE>

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)

The following table shows the dollar amount of changes in net interest income
for each major category of interest earning asset and interest bearing
liability, and the amount of change attributable to changes in average balances
(volume) or average rates for the periods shown. Variances that are jointly
attributable to both volume and rate changes have been allocated to the volume
component.

<TABLE>
<CAPTION>
                                                          Three Months Ended                            Nine Months Ended
                                                      September 30, 2002 vs. 2001                  September 30, 2002 vs. 2001
                                                 -------------------------------------        -------------------------------------
                                                                Increase (Decrease)                           Increase (Decrease)
                                                                  Due to Changes In                             Due to Changes In
                                                                ----------------------                       ----------------------

                                                  Total          Volume         Rate           Total        Volume           Rate
                                                                and Both                                    and Both
                                                 -------        --------       -------        -------       --------        -------
                                                                               (Dollars in thousands)
<S>                                             <C>          <C>              <C>           <C>            <C>            <C>
Earning Assets - Interest Income
   Federal funds sold                               ($49)       $    21           ($70)         ($622)          ($67)         ($555)
   Securities                                         44            164           (120)           366            642           (276)
   Loans                                             147            584           (437)          (579)         1,140         (1,719)
                                                 -------        -------        -------        -------        -------        -------

     Total                                           142            769           (627)          (835)         1,715         (2,550)
                                                 -------        -------        -------        -------        -------        -------

Deposits and Borrowed Funds - Interest Expense
   NOW and money market accounts                      33             18             15             18             45            (27)
   Savings deposits                                  (15)            (1)           (14)           (78)            (6)           (72)
   Time deposits                                    (420)            95           (515)        (2,149)           (50)        (2,099)
   FHLB and repo sweeps                              117            135            (18)           490            505            (15)
   Lease and ESOP                                     (3)            (2)            (1)           (13)            (7)            (6)
   Guaranteed preferred beneficial
     interest in Corporation's
     subordinated debentures                         156            156             --            161            161             --
                                                 -------        -------        -------        -------        -------        -------

     Total                                          (132)           401           (533)        (1,571)           648         (2,219)
                                                 -------        -------        -------        -------        -------        -------
Net Interest Income                              $   274        $   368        ($   94)       $   736        $ 1,067        ($  331)
                                                 =======        =======        =======        =======        =======        =======
</TABLE>


                                       16

<PAGE>

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)


AVERAGE BALANCE SHEET

The following table shows the Corporation's consolidated average balances of
assets, liabilities, and stockholders' equity; the amount of interest income or
interest expense and the average yield or rate for each major category of
interest earning asset and interest bearing liability, and the net interest
margin, for the three and nine month periods ended September 30, 2002 and 2001.
Average loans are presented net of unearned income, gross of the allowance for
credit losses. Interest on loans includes loan fees. Average securities are
based on amortized cost.


<TABLE>
<CAPTION>
                                                              Three Months Ended September 30,
                                      ------------------------------------     ----------------------------------
                                                      2002                                    2001
                                      ----------   ----------    ---------     ---------    ---------    --------

                                                                  Average                                Average
                                                     Interest      Rate                     Interest       Rate
                                        Average      Income/      Earned/       Average      Income/      Earned/
                                        Balance      Expense       Paid         Balance      Expense       Paid
                                      ----------   ----------    ---------     ---------    ---------    --------
                                                                 (Dollars in thousands)
<S>                                   <C>          <C>          <C>           <C>           <C>          <C>
Assets
   Federal funds sold                    $21,076          $91         1.73%      $16,106         $140        3.48%
   Securities                             55,106          632         4.59        40,824          588        5.76
   Loans                                 185,167        3,174         6.86       151,075        3,027        8.01
                                      ----------   ----------    ---------      --------    ---------    --------
Total Earning Assets/
   Total Interest Income                 261,349        3,897         5.96%      208,005        3,755        7.22%
                                      ----------   ----------    ---------      --------    ---------    --------
Cash and due from banks                    5,954                                   6,270
All other assets                           2,092                                   1,367
                                      ----------                                --------
Total Assets                            $269,395                                $215,642
                                      ==========                                ========
Liabilities and Equity
   NOW and money market accounts         $25,466           83         1.30%      $19,922           50        0.98%
   Savings deposits                        6,767           15         0.89         7,426           30        1.62
   Time deposits                         139,089        1,139         3.28       127,506        1,559        4.89
   FHLB and repo sweeps                   30,056          287         3.82        15,970          170        4.26
   Capitalized lease obligation and
      ESOP payable                         1,298           37        11.40         1,384           40       11.56
   Guaranteed preferred beneficial
     interest in Corporation's
     subordinated debentures              10,000          156         6.24            --           --         --
                                      ----------   ----------    ---------      --------    ---------    --------
Total Interest Bearing Liabilities/
   Total Interest Expense                212,676        1,717         3.23%      172,208        1,849        4.29%
                                      ----------   ----------    ---------      --------    ---------    --------
Noninterest bearing demand deposits       34,308                                  22,636
All other liabilities                      1,060                                     833
Stockholders' equity                      21,351                                  19,965
                                      ----------                                --------
Total Liabilities and Equity            $269,395                                $215,642
                                      ==========                                ========
Net Interest Income                                    $2,180                                  $1,906
                                                   ==========                                ========
Net Interest Margin (Net Interest
   Income/Total Earning Assets)                                       3.34%                                  3.67%
                                                                 =========                               ========
</TABLE>


                                       17
<PAGE>
COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)



<TABLE>
<CAPTION>
                                                              Nine Months Ended September 30,
                                      -----------------------------------       -----------------------------------
                                                     2002                                      2001
                                      ---------    ---------    ---------       ---------    ---------    ---------

                                                                  Average                                  Average
                                                     Interest      Rate                       Interest      Rate
                                        Average      Income/      Earned/        Average      Income/      Earned/
                                        Balance      Expense       Paid          Balance      Expense       Paid
                                      ---------    ---------     ---------      ---------    ---------    ---------
                                                                 (Dollars in thousands)
<S>                                  <C>           <C>          <C>           <C>             <C>         <C>
Assets
   Federal funds sold                    $19,704         $253         1.71%      $24,946         $875        4.68%
   Securities                             49,531        1,769         4.76        31,563        1,403        5.93
   Loans                                 173,820        9,024         6.92       151,861        9,603        8.43
                                      ----------    ---------    ---------     ---------    ---------   ---------
Total Earning Assets/
   Total Interest Income                 243,055       11,046         6.06%      208,370       11,881        7.60%
                                      ----------    ---------    ---------     ---------    ---------   ---------
Cash and due from banks                    6,229                                   5,585
All other assets                           1,506                                   1,452
                                      ----------                               ---------
Total Assets                            $250,790                                $215,407
                                      ==========                               =========
Liabilities and Equity
   NOW and money market accounts         $23,066          212         1.23%      $18,151          194        1.43%
   Savings deposits                        7,165           53         0.99         8,034          131        2.17
   Time deposits                         136,033        3,506         3.44       137,967        5,655        5.47
   FHLB and repo sweeps                   26,605          751         3.76         8,723          261        3.99
   Capitalized lease obligation and
     ESOP loan                             1,320          111        11.21         1,400          124       11.81
   Guaranteed preferred beneficial
     interest in Corporation's
     subordinated debentures               3,516          161         6.11            --           --         --
                                      ----------    ---------    ---------     ---------    ---------   ---------
Total Interest Bearing Liabilities/
   Total Interest Expense                197,705        4,794         3.23%      174,275        6,365        4.87%
                                      ----------    ---------    ---------     ---------    ---------   ---------
Noninterest bearing demand deposits       31,195                                  20,683
All other liabilities                        782                                     964
Stockholders' equity                      21,108                                  19,485
                                      ----------                               ---------
Total Liabilities and Equity            $250,790                                $215,407
                                      ==========                               =========
Net Interest Income                                    $6,252                                  $5,516
                                                    =========                               =========
Net Interest Margin (Net Interest
   Income/Total Earning Assets)                                       3.43%                                  3.53%
                                                                  ========                              =========
</TABLE>


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


NONINTEREST INCOME

Noninterest income increased by $2.6 million, or 248.2%, for the first nine
months of 2002 versus the first nine months of 2001. Mortgage banking income of
$3.1 million provided the largest sector of growth in noninterest income. The
largest components of noninterest income are mortgage banking income and service
charge fee income. The mortgage banking income consisted of origination fee
income received by the Mortgage Company upon the sale of residential mortgages.

The Mortgage Company commenced operations on July 9, 2001. The Bank contributed
its residential real estate portfolio and home equity lines of credit to the
Mortgage Company. The Mortgage Company originates mortgage loans primarily for
sale to the secondary market. The Mortgage Company has the Bank service the
mortgages that it does not sell in the secondary market.

Net security gains of $176,000 for the first nine months of 2002 were comprised
of $201,000 in gross gains and $25,000 in security losses on securities
classified as "available for sale." Gains and losses were the result of
portfolio restructuring and maximization of investments overall returns with
those instruments of relatively short durations.

NONINTEREST EXPENSE

Noninterest expense increased over the first nine months of 2001 by $2.9
million, or 67%, to $7.3 million in 2002. This was primarily the result of nine
months of operations from the Mortgage Company in 2002, with little expense
related to the Mortgage Company in the first nine months of 2001, as the
Mortgage Company's operations commenced in July 2001. Growth in noninterest
expense was offset by growth in fee income. The increase in salary benefits and
payroll taxes relates primarily to the employees of the Mortgage Company and
represents the commissions paid to its mortgage loan originators. The offsetting
origination income is shown under mortgage banking income. Total consolidated
noninterest expense without the mortgage subsidiary, increased $367,000, or 9.2%
over the first nine months of 2001.


                                       19

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

RECENT ACCOUNTING PRONOUNCEMENTS

In June 1998, Statement of Financial Accounting Standards No. 133, "Accounting
for Derivative Instruments and Hedging Activities" (SFAS 133) was issued. SFAS
133 requires all derivative instruments to be recorded on the balance sheet at
estimated fair value. Changes in the fair value of derivative instruments are to
be recorded each period either in current earnings or other comprehensive
income, depending on whether a derivative is designated part of a hedge
transaction. SFAS 133 was adopted by the Corporation in 2000, and did not have a
material effect on the consolidated financial position or results of operations.
In November 2000, the FASB issued Statement No. 140 "Accounting for Transfers
and Servicing of Financial Assets and Extinguishments of Liabilities" (FASB No.
140). This statement revises the standards for accounting for securitizations
and other transfers of financial assets and collateral and requires certain
disclosures. The impact of FASB No. 140 as of December 31, 2000 was not material
to the consolidated financial statements.


LIQUIDITY AND CAPITAL RESOURCES

The liquidity of a bank allows it to provide funds to meet loan requests, to
accommodate possible outflows in deposits, and to take advantage of other
investment opportunities. Funding of loan requests, providing for liability
outflows, and managing interest rate margins require continuous analysis to
match the maturities of specific categories of loans and investments with
specific types of deposits and borrowings. Bank liquidity depends upon the mix
of the banking institution's potential sources and uses of funds. The major
sources of liquidity for the Bank have been deposit growth, federal funds sold,
loans and securities which mature within one year, and sales of residential
mortgage loans. Additional liquidity is provided by a $5.0 million unsecured
federal funds borrowing facility, and a $75.0 million secured line of credit
with the FHLB. Large deposit balances which might fluctuate in response to
interest rate changes are closely monitored. These deposits consist mainly of
jumbo time certificates of deposit. We anticipate that we will have sufficient
funds available to meet our future commitments. As of September 30, 2002 unused
commitments comprised $51.1 million.

ASSET/LIABILITY MANAGEMENT

The Corporation's Asset Liability Management Committee ("ALCO"), which meets at
least quarterly, is responsible for reviewing the interest rate sensitivity
position of the Corporation and establishing policies to monitor and limit
exposure to interest rate risk.

The Corporation currently utilizes two quantitative tools to measure and monitor
interest rate risk: static gap analysis and net interest income simulation
modeling. Each of these interest rate risk measurements has limitations, but
management believes when these tools are evaluated together, they provide a
balanced view of the exposure the Corporation has to interest rate risk.


                                       20
<PAGE>

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)



The following table shows the maturity and repricing distribution of the
Corporation's interest earning assets and interest bearing liabilities as of
September 30, 2002. This table displays the interest rate sensitivity gap
(interest rate sensitive assets less interest rate sensitive liabilities),
cumulative interest rate sensitivity gap, the interest rate sensitivity gap
ratio (interest rate sensitive assets divided by interest rate sensitive
liabilities), and the cumulative interest rate sensitivity gap ratio. Loans are
presented net of unearned income, gross of allowance, while securities are shown
at amortized cost. Assumptions incorporated into the time table include
estimates of partial redemptions on Now, Money Market and savings accounts.
Prepayment of loans and securities are also included at current levels as of
September 30, 2002. Additionally, many variable rate loans have interest rate
floors which are incorporated in this table.


<TABLE>
<CAPTION>
                                                                     After Three         After One
                                                       Within         Months But          Year But          After
                                                        Three         Within One          Within             Five
                                                       Months             Year           Five Years         Years            Total
                                                     ---------       -----------         ----------        --------        ---------
                                                                                    (Dollars In thousands)
<S>                                                  <C>             <C>               <C>              <C>              <C>
Interest earning assets:
   Federal funds sold                                $  15,700         $      --         $      --        $      --        $  15,700
   Securities                                           14,390            17,663            16,175           12,795           61,023
   FHLB stock                                               --                --                --            1,570            1,570
   Portfolio loans and
     held for resale                                    69,965            25,075            77,130           20,363          192,533
                                                     ---------         ---------         ---------        ---------        ---------
     Total                                             100,055            42,738            93,305           34,728        $ 270,826
                                                     ---------         ---------         ---------        ---------        =========

Interest bearing liabilities:
   NOW and money market
     accounts                                            3,290             9,875            13,290               --        $  26,455
   Savings deposits                                        473             1,480             3,965               --            5,918
   Jumbo time deposits                                  62,182            16,153             9,342               --           87,677
   Time deposits < $100,000                             15,764            10,823            23,229              970           50,786
   Repurchase agreements                                 9,681                --                --               --            9,681
   FHLB and repo sweeps                                     --             5,000            13,000           13,400           31,400
   Capitalized lease obligation
     and ESOP payable                                      344                35               289              627            1,295
   Guaranteed preferred beneficial
     interest in Corporation's                          10,000                --                --               --           10,000
     subordinated debentures                                --                --                --
                                                     ---------         ---------         ---------        ---------        ---------
     Total                                             101,734            43,366            63,115           14,997        $ 223,212
                                                     ---------         ---------         ---------        ---------        =========


Interest rate sensitivity gap                          ($1,679)            ($628)        $  30,190         $  19,731
Cumulative interest rate
   sensitivity gap                                                       ($2,307)        $  27,883         $  47,614
Interest rate sensitivity gap
   ratio                                                 (0.98)            (0.99)             1.48              2.32
Cumulative interest rate
   sensitivity gap ratio                                                   (0.98)             1.13              1.21
</TABLE>



The table above indicates the time periods in which interest earning assets and
interest bearing liabilities will mature or may be repriced, generally according
to their contractual terms. However, this table does not necessarily indicate
the impact that general interest rate movements would have on the Corporation's
net interest margin, because the repricing of certain assets and liabilities is
discretionary, and is subject to competitive and other pressures. As a result,
various assets and liabilities indicated as repricing within the same period
may, in fact, reprice at different times and at different rate levels.


                                       21
<PAGE>

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)


At September 30, 2002, the Corporation is considered to be evenly matched at the
three month and one year accumulated gap position.

On a quarterly basis, the net interest income simulation model is used to
quantify the effects of hypothetical changes in interest rates on the
Corporation's net interest income over a projected twelve-month period. The
model permits management to evaluate the effects of shifts in the Treasury Yield
curve, upward and downward, on net interest income expected in a stable interest
rate environment.

As of June 30, 2002, the most recent and available analysis, the simulation
model projects net interest income would increase by 3.3% of the base net
interest income, assuming an instantaneous parallel shift upward in the yield
curve by 200 basis points. Conversely, if the yield curve were to decrease by
200 basis points, the model projects net interest income would decrease by 5.6%.


ITEM 3.  CONTROLS AND PROCEDURES

Evaluation of Disclosure Controls and Procedures: An evaluation of the
Corporation's disclosure controls and procedures (as defined in Section
13(a)-14(c) of the Securities and Exchange Act of 1934 ("Act") was carried out
under the supervision and with the participation of the Corporaton's Chief
Executive Officer, Chief Financial Officer and several other members of the
Corporation's senior management within the 90-day period preceding the filing
date of this quarterly report. The Corporation's Chief Executive Officer and
Chief Financial Officer concluded that the Corporation's disclosure controls and
procedures are currently in effect are effective in ensuring that the
information required to be disclosed by the Corporation in the report it files
or submits under the Act is (i) accumulated and communicated to the
Corporation's management (including the Chief Executive Officer and Chief
Financial Officer) in a timely manner, and (ii) recorded, processed, summarized
and reported within the time periods specified in the SEC's rules and forms.

Changes in Internal Controls: In the quarter ended September 30, 2002, the
Corporation did not make any significant changes in, nor take any corrective
actions regarding, its internal controls or other factors that could
significantly affect these controls.


                                       22

<PAGE>

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)


                                     PART II

ITEM 1.  LEGAL PROCEEDINGS

As a depository of funds, the Bank is occasionally named as a defendant in
lawsuits (such as garnishment proceedings) involving claims to the ownership of
funds in particular accounts. Such litigation is incidental to the Bank's
business. Management is not aware of any threatened or pending litigation in
which the Corporation or the Bank is likely to experience loss or exposure which
would materially affect the Corporation's capital resources, results of
operations, or liquidity.

ITEM 2.  CHANGES IN SECURITIES

Not applicable.

ITEM 3.  DEFAULTS UPON SENIOR SECURITIES

Not applicable.

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

Not applicable.

ITEM 5.  OTHER INFORMATION

Cash Dividend -- On July 16, 2002, the Corporation's Board of Directors declared
the Corporation's second quarterly cash dividend of $0.05 per common share,
payable October 1, 2002, to shareholders of record September 2, 2002.

ITEM 6.  EXHIBITS AND REPORTS ON FORM 8-K

              (a) Exhibits:                 See Exhibit Index attached.

              (b) Reports on Form 8-K:      None




                                       23
<PAGE>

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)




                                   SIGNATURES


In accordance with the requirements of the Exchange Act, the registrant caused
this report to be signed on its behalf by the undersigned, thereunto duly
authorized, on November 13, 2002.


                                  COMMUNITY CENTRAL BANK CORPORATION





                                  By:  S/ DAVID A. WIDLAK
                                     ---------------------
                                  David A. Widlak;
                                  Chairman of the Board and CEO
                                  (Principal Executive Officer)




                                  By:  S/ RAY T. COLONIUS
                                     ---------------------
                                  Ray T. Colonius;
                                  Treasurer
                                  (Principal Financial and Accounting Officer)




                                       24
<PAGE>

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)



                                  CERTIFICATION

I, David A. Widlak, Principal Executive Officer, certify that:

         1.   I have reviewed this quarterly report on Form 10-QSB of Community
              Central Bank Corporation.

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

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

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

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

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

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

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

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

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

         6.   The registrant's other certifying officers and I have indicated in
              this quarterly report whether or not there were significant
              changes in internal controls or in other factors that could
              significantly affect internal controls subsequent to the date of
              our most recent evaluation, including any corrective actions with
              regard to significant deficiencies and material weaknesses.



Date:  November 13, 2002

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



                                       25
<PAGE>




                                  CERTIFICATION

I, Ray T. Colonius, Principal Financial Officer, certify that:

         1.   I have reviewed this quarterly report on Form 10-QSB of Community
              Central Bank Corporation.

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

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

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

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

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

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

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

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

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

         6.   The registrant's other certifying officers and I have indicated in
              this quarterly report whether or not there were significant
              changes in internal controls or in other factors that could
              significantly affect internal controls subsequent to the date of
              our most recent evaluation, including any corrective actions with
              regard to significant deficiencies and material weaknesses.



Date:  November 13, 2002

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


                                       26
<PAGE>

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)


                                  CERTIFICATION



Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, each of the
undersigned hereby certifies in his capacity as an officer of Community Central
Bank Corporation (the "Corporation") that the Quarterly Report of the
Corporation on Form 10-QSB for the quarterly period ended September 30, 2002
fully complies with the requirements of Section 13(a) of the Securities Exchange
Act of 1934 and that the information contained in such report fairly presents,
in all material respects, the financial condition and results of operations of
the Corporation as of the dates and for the periods presented in the financial
statements included in such report.



Dated:  November 13, 2002           By:  S/ DAVID A. WIDLAK
                                       ---------------------
                                    David A. Widlak;
                                    Chairman of the Board and CEO
                                    (Principal Executive Officer)




Dated:  November 13, 2002           By:  S/ RAY T. COLONIUS
                                       ---------------------
                                    Ray T. Colonius;
                                    Treasurer
                                    (Principal Financial and Accounting Officer)




                                       27
<PAGE>

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)



EXHIBIT INDEX

         EXHIBIT
         NUMBER          EXHIBIT DESCRIPTION

         3.1      Articles of Incorporation are incorporated by reference to
                  exhibit 3.1 of the Corporation's Registration Statement on
                  Form SB-2 (Commission File Number 333-04113) which became
                  effective on September 23, 1996

         3.2      Bylaws of the Corporation are incorporated by reference to
                  exhibit 3.2 of the Corporation's Registration Statement on
                  Form SB-2 (Commission File Number 333-04113) which became
                  effective on September 23, 1996

         4.1      Specimen of Stock Certificate of Community Central Bank
                  Corporation is incorporated by reference to Exhibit 4.2 of the
                  Corporation's Registration Statement on Form SB-2 (Commission
                  File No. 333-4113) which became effective on September 23,
                  1996

         10.1     1996 Employee Stock Option Plan is incorporated by reference
                  to exhibit 10.1 of the Corporation's Registration Statement on
                  Form SB-2 (Commission File No. 333-04113) which became
                  effective September 23, 1996 (management contract or
                  compensatory plan)

         10.2     1996 Stock Option Plan for Nonemployee Directors is
                  incorporated by reference to exhibit 10.2 of the Corporation's
                  Registration Statement on Form SB-2 (Commission File No.
                  333-04113) which became effective September 23, 1996
                  (management contract or compensatory plan)

         10.3     Lease Agreement between the Corporation and T.A.P. Properties,
                  LLC, dated May 16, 1996, in incorporated by reference to
                  exhibit 10.3 of the Corporation's Registration Statement on
                  Form SB-2 (Commission File No. 333-04113) which became
                  effective September 23, 1996.

         10.4     Vicant Office Building Lease Agreement dated April 1, 1997,
                  between Gebran S. Anton, Jr. and the Bank is incorporated by
                  reference to exhibit 10.5 of the Corporation's Registration
                  Statement on Form SB-2 (Commission File No. 333-58475) which
                  became effective August 25, 1998.

         10.5     1999 Stock Option Plan for Directors is incorporated by
                  reference to exhibit 10.5 of the Corporation's Annual Report
                  to the SEC on Form 10-KSB for the year ending December 31,
                  1999 (Commission File No. 000-33373) (management contract or
                  compensatory plan)

         10.6     2000 Employee Stock Option Plan is incorporated by reference
                  to exhibit 10.6 of the Corporation's Annual Report to the SEC
                  on Form 10-KSB for the year ending December 31, 2000
                  (Commission File No. 000-33373) (management contract or
                  compensatory plan)

         10.7     2002 Incentive Plan (management contract or compensatory plan)
                  is incorporated by reference to exhibit 10.7 of the
                  Corporation's Annual Report to the SEC on Form 10-KSB for the
                  year ending December 31, 2001 (Commission File No. 000-33373)
                  (management contract or compensatory plan)

         11       Computation of Per Share Earnings


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