<PAGE>   1
                                                                       CONFORMED



                                  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, 2000
                                                 ------------------

                          Commission File No. 333-04113

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

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

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

                                 (810) 783-4500
                                 --------------
                           (Issuer's telephone number)


Check whether the issuer (1) filed all reports required to be filed by Section
13 or 15(d) of the Exchange Act during the past 12 months (or for such shorter
period that the registrant was required to file such reports), and (2) has been
subject to such filing requirements for the past 90 days.

                             Yes   X           No
                                 -----           -----



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 9, 2000
                  -----                          -------------------------------
     Common Stock, $5 stated value                       2,661,922 Shares



Transitional Small Business Disclosure Format:

                               Yes         No  X
                                  -----      -----

<PAGE>   2
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 subsidiary; Community Central
Bank (the "Bank").

Following are the Corporation's Consolidated Balance Sheet as of September 30,
2000 and 1999, and December 31, 1999, and Consolidated Statements of Operations,
Comprehensive Income, and Cash Flow for the quarter and nine month periods ended
September 30, 2000 and 1999. 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, 1999.

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>   3
COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)

CONSOLIDATED BALANCE SHEET
(Unaudited)

<TABLE>
<CAPTION>

                                                     September 30,         December 31,          September 30,
                                                        2000                  1999                   1999
                                                     -------------         ------------          -------------
Assets                                                       (in thousands, except fair value data)
<S>                                                <C>                   <C>                   <C>
Cash and due from banks                               $   5,730             $   5,692             $   4,424
Federal funds sold                                       24,300                20,700                21,650
                                                      ---------             ---------             ---------
   Cash and Cash Equivalents                             30,030                26,392                26,074
                                                      ---------             ---------             ---------

Securities available for sale, at fair value             12,669                 9,546                10,879
Investment securities, at amortized cost                  4,223                 4,638                 4,862
   (Fair value of $4.2 million at 9-30-2000,
     $4.6 million at 12-31-1999, and
     $4.8 million at 9-30-1999)

Loans
   Residential mortgage loans                            28,964                29,920                30,555
   Commercial loans                                     124,328               105,574                95,751
   Installment loans                                      6,015                 5,818                 5,623
                                                      ---------             ---------             ---------
   Total Loans                                          159,307               141,312               131,929
Allowance for credit losses                              (2,338)               (1,927)               (1,583)
                                                      ---------             ---------             ---------
   Net Loans                                            156,969               139,385               130,346
                                                      ---------             ---------             ---------

Net property and equipment                                1,789                 1,893                 1,819
Accrued interest receivable                               1,113                   843                   899
Other assets                                              1,200                 1,027                   856
                                                      ---------             ---------             ---------
   Total Assets                                       $ 207,993             $ 183,724             $ 175,735
                                                      =========             =========             =========
</TABLE>

(continued)



                                       3
<PAGE>   4

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)


CONSOLIDATED BALANCE SHEET
(Unaudited)

<TABLE>
<CAPTION>

                                                                              September 30,     December 31,  September 30,
                                                                                  2000             1999           1999
                                                                              -------------     ------------  -------------
Liabilities                                                                       (in thousands, except share data)
<S>                                                                          <C>             <C>             <C>
Deposits
   Noninterest bearing demand deposits                                          $  20,270       $  16,540       $  17,081
   NOW and money market accounts                                                   18,563          21,366          19,372
   Savings deposits                                                                 7,782           8,803           6,521
   Time deposits                                                                  135,588         116,137         111,242
                                                                                ---------       ---------       ---------
   Total deposits                                                                 182,203         162,846         154,216
                                                                                ---------       ---------       ---------

Short term borrowings                                                               5,086           1,605           2,518
Accrued interest payable                                                              685             442             454
Other liabilities                                                                     238             306             109
Capitalized lease obligation                                                        1,016           1,025           1,028
ESOP note payable                                                                     433             471             483
                                                                                ---------       ---------       ---------
   Total Liabilities                                                              189,661         166,695         158,808
                                                                                ---------       ---------       ---------
Stockholders' Equity
   Common stock -- $5 stated value; 9,000,000 shares authorized; 2,661,922
     shares issued and outstanding at 9-30-2000, 2,420,024 shares
     outstanding at 12-31-1999 and 9-30-1999                                       13,310          12,100          12,100
   Additional paid-in capital                                                       5,016           6,226           6,226
   Accumulated surplus                                                                527            (683)           (820)
Unearned employee benefit                                                            (433)           (470)           (483)
   Accumulated other comprehensive income                                             (88)           (144)            (96)
                                                                                ---------       ---------       ---------
   Total Stockholders' Equity                                                      18,332          17,029          16,927
                                                                                ---------       ---------       ---------
Total Liabilities and Stockholders' Equity                                      $ 207,993       $ 183,724       $ 175,735
                                                                                =========       =========       =========
</TABLE>




                                       4
<PAGE>   5
COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)



CONSOLIDATED STATEMENT OF OPERATIONS
(Unaudited)

<TABLE>
<CAPTION>

                                                   Three Months Ended                 Nine Months Ended
                                                      September 30,                     September 30,
                                                  2000             1999             2000             1999
                                                  -----            -----            -----            -----
                                                           (in thousands, except per share data)
<S>                                            <C>              <C>              <C>              <C>
Interest Income
   Loans (including fees)                        $ 3,750          $ 2,749          $10,688          $ 7,468
   Securities                                        248              248              693              780
   Federal funds sold                                402              271              822              711
                                                 -------          -------          -------          -------
   Total Interest Income                           4,400            3,268           12,203            8,959
                                                 -------          -------          -------          -------
Interest Expense
   Deposits                                        2,308            1,583            6,144            4,357
   Short term borrowings                              43               28               88               82
   Capitalized lease obligation                       45               48              135              117
                                                 -------          -------          -------          -------
   Total Interest Expense                          2,396            1,659            6,367            4,556
                                                 -------          -------          -------          -------
   Net Interest Income                             2,004            1,609            5,836            4,403
Provision for credit losses                          195              171              495              351
                                                 -------          -------          -------          -------
   Net Interest Income after Provision             1,809            1,438            5,341            4,052
                                                 -------          -------          -------          -------
Noninterest Income
   Deposit service charges                            61               73              188              196
   Net realized security gain                         --               --               --               11
   Other income                                       98               83              232              217
                                                 -------          -------          -------          -------
   Total Noninterest Income                          159              156              420              424
                                                 -------          -------          -------          -------
Noninterest Expense
   Salaries, benefits, and payroll taxes             497              439            1,536            1,300
   Premises and fixed asset expense                  164              141              504              422
   Other operating expense                           640              554            1,847            1,430
                                                 -------          -------          -------          -------
Total Noninterest Expense                          1,301            1,134            3,887            3,152
                                                 -------          -------          -------          -------
   Income Before Taxes and Cumulative
     Effect of Change in Accounting Principle        667              460            1,874            1,324
Provision for income taxes                           235              170              664              478
                                                 -------          -------          -------          -------
   Income Before Cumulative Effect of Change
     in Accounting Principle                         432              290            1,210              846
Cumulative effect of change in accounting
     principle                                        --               --               --              (57)
                                                 -------          -------          -------          -------
   Net Income                                    $   432          $   290          $ 1,210          $   789
                                                 =======          =======          =======          =======
</TABLE>

(continued)


                                       5
<PAGE>   6
COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)



CONSOLIDATED STATEMENT OF OPERATIONS
(Unaudited)

<TABLE>
<CAPTION>

<S>                                                  <C>             <C>             <C>             <C>
Per share data:
   Basic earnings before cumulative effect of
     change in accounting principle                    $   0.17        $   0.11        $   0.46        $   0.32
   Basic earnings                                      $   0.17        $   0.11        $   0.46        $   0.30

   Diluted earnings before cumulative effect of
     change in accounting principle                    $   0.17        $   0.11        $   0.46        $   0.32
   Diluted earnings                                    $   0.17        $   0.11        $   0.46        $   0.30
                                                       ========        ========        ========        ========
   Cash Dividends                                      $     --        $     --        $     --        $     --
                                                       ========        ========        ========        ========
</TABLE>




                                       6
<PAGE>   7

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,
                                                    2000             1999            2000            1999
                                                    ----             ----            ----            ----
                                                                       (in thousands)
<S>                                              <C>             <C>              <C>             <C>
Net Income as Reported                             $  432          $  290           $1,210          $  789

Other Comprehensive Income, Net of Tax
   Change in unrealized gain on securities
     available for sale                                44             (31)              56            (152)
   Reclassification of previously reported gain
     included in current year income                   --              --               --              (7)
                                                   ------          ------           ------          ------
Comprehensive Income                               $  476          $  259           $1,266          $  630
                                                   ======          ======           ======          ======
</TABLE>





                                       7
<PAGE>   8

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)



CONSOLIDATED STATEMENT OF CASH FLOW

<TABLE>
<CAPTION>

(Unaudited)                                                                  Nine Months Ended September 30,
                                                                             2000                      1999
                                                                           --------                  --------
                                                                                     (in thousands)
<S>                                                                      <C>                       <C>
Operating Activities
   Net income                                                              $  1,210                  $    789
   Adjustments to reconcile net income to net cash flow
     from operating activities:
    Net accretion of security discount                                           (6)                        6
    Net gain on calls of securities                                              --                       (11)
    Provision for credit losses                                                 495                       351
    Depreciation expense                                                        245                       238
    Deferred income tax                                                        (137)                      102
    ESOP compensation expense                                                    37                        --
    Increase in accrued interest receivable                                    (270)                     (244)
    Increase (Decrease) in other assets                                         (67)                       55
    Increase in accrued interest payable                                        243                       174
    Increase in other liabilities                                                36                        16
                                                                           --------                  --------
   Net Cash Provided by Operating Activities                                  1,786                     1,476

Investing Activities
   Purchases of securities available for sale                                (4,942)                   (3,984)
Maturities, calls, and prepayments of securities available for sale           1,909                     2,618
   Maturities, calls, and prepayments of investment securities                   --                     4,597
   Purchases of investment securites                                            418                      (165)
   Increase in loans                                                        (18,079)                  (29,623)
   Purchases of property and equipment                                         (141)                     (318)
                                                                           --------                  --------
   Net Cash Used in Investing Activities                                    (20,835)                  (26,875)

Financing Activities
   Increase in demand and savings deposits                                      (94)                    8,235
Increase in time deposits                                                    19,451                    18,829
Increase (Decrease) in short term borrowings                                  3,481                      (973)
Repayment of capitalized lease obligation                                      (113)                     (112)
   Payment of ESOP debt                                                         (37)                       --
   Fractional shares paid on stock dividend                                      (1)                       (1)
   Stock option exercise                                                         --                        33
                                                                           --------                  --------
   Net Cash Provided by Financing Activities                                 22,687                    26,011
                                                                           --------                  --------
Increase in Cash and Cash Equivalents                                         3,638                       612
Cash and Cash Equivalents at the Beginning
   of the Year                                                               26,392                    25,462
                                                                           --------                  --------
Cash and Cash Equivalents at the End
   of the Period                                                           $ 30,030                  $ 26,074
                                                                           ========                  ========

Supplemental Disclosure of Cash Flow Information:
   Interest Paid                                                           $  6,020                  $  4,278
   Federal Taxes Paid                                                           801                       345
                                                                           ========                  ========
</TABLE>



                                       8
<PAGE>   9

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)



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

The following discussion compares the financial condition of the Corporation and
its wholly owned subsidiary, Community Central Bank, at September 30, 2000,
December 31, 1999, and September 30, 1999 and the results of operations for the
quarter and nine months ended September 30, 2000 and 1999. 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>   10

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)



ASSETS

The Corporation's total assets have increased by $24.3 million, to $208.0
million at September 30, 2000, compared with $183.7 million at December 31,
1999.

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, 2000       December 31, 1999      September 30, 1999
                                           ------------------       -----------------      ------------------
                                           Amortized     Fair       Amortized    Fair      Amortized     Fair
                                             Cost       Value         Cost      Value         Cost      Value
                                           ---------    -----       ---------   -----      ---------    -----
                                                                      (in thousands)
<S>                                       <C>        <C>          <C>        <C>          <C>      <C>
Securities Available for Sale
   United States Government agencies        $ 9,716    $ 9,660      $ 6,381    $ 6,280      $ 7,382  $ 7,326
   Mortgage backed securities                 2,978      2,902        3,383      3,265        3,576    3,487
   Collateralized mortgage obligations           --         --            1          1           66       66
   Tax-exempt municipals                        106        107           --         --           --       --
                                            -------    -------      -------    -------      -------  -------
       Total Securities Available for Sale   12,800     12,669        9,765      9,546       11,024   10,879
                                            -------    -------      -------    -------      -------  -------

Investment Securities
   United States Treasury                        --         --           --         --           --       --
   United States Government agencies          2,000      1,998        2,001      1,992        2,001    2,001
   Mortgage backed securities                 1,625      1,603        1,758      1,721        1,790    1,766
   Collateralized mortgage obligations          152        151          433        431          625      626
   Other Securities                             446        446          446        446          446      446
                                            -------    -------      -------    -------      -------  -------
       Total Investment Securities            4,223      4,198        4,638      4,590        4,862    4,839
                                            -------    -------      -------    -------      -------  -------

       Total Securities                     $17,023    $16,867      $14,403    $14,136      $15,886  $15,718
                                            =======    =======      =======    =======      =======  =======
</TABLE>




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



Total loans increased by $18.0 million during the nine months ended September
30, 2000, as the Corporation continued building its loan base. Commercial loans
grew by $18.7 million, while installment loans increased $200,000, and
residential mortgage loans decreased $900,000.

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 $25.2 million in
outstanding loans at September 30, 2000, to commercial borrowers in the real
estate rental and property management industries.

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

<TABLE>
<CAPTION>

                                                             Nine Months Ended September 30,
                                                                2000                 1999
                                                              -------               -------
                                                                     (in thousands)
<S>                                                        <C>                   <C>
Allowance for credit losses at
   beginning of period                                        $ 1,927               $ 1,330

Provision charged to expense                                      495                   351
Loans charged off (net)                                           (84)                  (98)
                                                              -------               -------
Allowance for credit losses at end of period                  $ 2,338               $ 1,583
                                                              =======               =======
Allowance for credit losses as a percentage
   of loans at period end                                        1.47%                 1.20%
</TABLE>


Loans are placed in nonaccrual status when, in the opinion of management,
uncertainty exists as to the ultimate collection of principal and interest. At
September 30, 2000, there was $600,000 of loans placed in nonaccrual status.
Commercial loans and lease financing receivables are to be reported as being in
nonaccrual status if: (a) they are maintained on a cash basis because of
deterioration in the financial position of the borrower, (b) payment in full of
interest or principal is not expected, or (c) principal or interest has been in
default for a period of 90 days or more. If it can be documented that the loan
obligation is both well secured and in the process of collection, the loan may
stay on accrual status. However, if the loan is not brought current before 120
days past due, the loan should be reported as nonaccrual. Any exceptions to
automatic nonaccrual status at 90 days must be approved in writing by the Loan
Committee, Credit Administration Officer, and the Chief Financial Officer. A
nonaccrual asset may be restored to an accrual status when none of its principal
or interest is due and unpaid, when it otherwise becomes well secured, and in
the process of collection.

The Corporation considers a loan impaired when it is probable that all interest
and principal will not be collected in accordance with the contractual terms of
the loan agreement. Consistent with this definition, all nonaccrual and
reduced-rate loans (with the exception of residential mortgages and consumer
loans) are considered impaired.



                                       11
<PAGE>   12

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)


A summary of nonperforming assets is as follows:

<TABLE>
<CAPTION>

                                                           September 30,      September 30,
                                                              2000               1999
                                                             ------              -----
                                                                   (in thousands)
<S>                                                         <C>                <C>
Impaired loans:
   Nonaccrual                                                 $600               $  --
                                                              ----               -----
Total impaired loans                                           600                  --
Other real estate                                               --                  --
                                                              ----               -----
Total nonperforming assets                                    $600               $  --
                                                              ====               =====
Impaired loans as a percentage of
   total loans                                                0.38%              0.00%
                                                              ====               =====
Total nonperforming assets as a percentage
   of total assets                                            0.29%              0.00%
                                                              ====               =====
</TABLE>


A summary of total loans past due 90-days and still accruing interest is as
follows:

<TABLE>
<CAPTION>

                                                            September 30,           September 30,
                                                                2000                    1999
                                                                ----                    ----
                                                                       (in thousands)
<S>                                                          <C>                    <C>
Commercial                                                      $ --                   $   --
Residential real estate                                           79                       --
Installment                                                       41                       --
                                                                ----                   ------
     Total loans past due 90 days or more
       and still accruing interest                              $120                   $   --
                                                                ====                   ======
</TABLE>


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. Management is not aware of any factors
that would cause future net loan charge-offs, in total or by loan category, to
differ significantly from those experienced by institutions of similar size.



                                       12
<PAGE>   13

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)



LIABILITIES

During the nine months ended September 30, 2000, total deposits increased by
$19.4 million, to $182.2 million.

Short term borrowings at September 30 consist 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,      September 30,
                                                                 2000               1999
                                                             -------------      ------------
                                                             (in thousands, except percentages)
<S>                                                          <C>                 <C>
         Amount outstanding at end of period                    $5,086              $2,518
         Weighted average interest rate on ending balance         3.92%               4.10%


         Maximum amount outstanding at any month end
           during the period                                    $5,086              $3,195
</TABLE>


CAPITAL

The Corporation declared a 10% stock dividend on March 7, 2000. The dividend was
paid on April 21, 2000, to stockholders of record on April 6, 2000. As a result,
approximately $1.2 million was transferred from additional paid-in capital to
common stock. The effects of the stock dividend have been retroactively applied
to applicable figures in this report. The Corporation also declared a 10% stock
dividend in the first quarter of 1999.

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,    September 30,   Minimum
                                                       2000            1999           1999        Requirement
                                                     --------      ----------      --------       ----------
<S>                                               <C>             <C>            <C>              <C>
Tier I capital to risk-weighted assets                11.45%          12.30%         13.09%           4%
Total capital to risk-weighted assets                 12.71%          13.55%         14.31%           8%
Primary capital to assets                              9.79%          10.10%         10.48%         5.5%
Total capital to assets                                9.79%          10.10%         10.48%           6%
Tier I capital to quarterly average assets (leverage)  9.01%           9.46%         10.15%           4%
</TABLE>



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.




                                       13
<PAGE>   14

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)



The following table shows the changes in stockholders' equity for the nine
months ended September 30, 2000:

<TABLE>
<CAPTION>

                                          Additional                       Unearned    Accumulated Other
                             Common        Paid-In        Accumulated      Employee     Comprehensive        Total
                              Stock        Capital          Deficit        Benefits     Income (Loss)       Equity
                            ---------    -----------        --------      ----------   ----------------    ---------
<S>                       <C>            <C>             <C>             <C>             <C>             <C>
Balance December 31, 1999    $12,100        $ 6,226         ($  683)        ($  470)        ($  144)        $17,029

Stock dividend                 1,210         (1,210)             --              --              --              --
Net income                        --             --           1,210              --              --           1,210
Release of ESOP shares            --             --              --              37              --              37
Other comprehensive income        --             --              --              --              56              56
                             -------        -------         -------         -------         -------         -------
Balance September 30, 2000   $13,310        $ 5,016         $   527         ($  433)        ($   88)        $18,332
                             =======        =======         =======         =======         =======         =======
</TABLE>

NET INTEREST INCOME

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, 2000 vs. 1999          September 30, 2000 vs. 1999
                                                  --------------------------------     -------------------------------
                                                                Increase (Decrease)               Increase (Decrease)
                                                                 Due to Changes In                 Due to Changes In
                                                               -------------------               ---------------------
                                                    Total       Volume      Rate        Total      Volume        Rate
                                                               and Both                           and Both
                                                  ---------    --------    -------     -------    ---------    -------
                                                                             (in thousands)
<S>                                              <C>         <C>         <C>         <C>         <C>         <C>
Earning Assets - Interest Income
   Federal funds sold                              $   131     $    56     $    75     $   111     ($   90)    $   201
   Securities                                           --          (5)          5         (87)       (110)         23
   Loans                                             1,001         793         208       3,220       2,699         521
                                                   -------     -------     -------     -------     -------     -------

     Total                                           1,132         844         288       3,244       2,499         745
                                                   -------     -------     -------     -------     -------     -------

Deposits and Borrowed Funds - Interest Expense
   NOW and money market accounts                       (66)        (16)        (50)       (159)        (47)       (112)
   Savings deposits                                     15          15          --          75          75          --
   Time deposits                                       776         477         299       1,871       1,275         596
   Short term borrowings                                15          15          --           6           8          (2)
   Long term debt                                       (3)         (2)         (1)         18          20          (2)
                                                   -------     -------     -------     -------     -------     -------

     Total                                             737         489         248       1,811       1,331         480
                                                   -------     -------     -------     -------     -------     -------
Net Interest Income                                $   395                             $ 1,433
                                                   =======                             =======
</TABLE>




                                       14
<PAGE>   15

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)


For the nine months ended September 30, 2000, net interest income increased by
33%, or $1.4 million over the nine months ended September 30, 1999. This was due
to managements efforts to focus on variable rate loan products to better match
the deposit funding base. Increases in volume also enhanced net interest income.
The large percentage increase in both interest earning assets and interest
bearing liabilities was a function of the Corporation's significant growth
during 2000. The net interest margin improved in the quarter to 4.06%, compared
with 4.00% for the third quarter of 1999. Net interest margin was improved by
continued emphasis on loan and deposit pricing, coupled with demand deposit
growth.







                                       15
<PAGE>   16

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)



AVERAGE BALANCE SHEET

The following tables show 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, 2000 and 1999.
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,
                                      -----------------------------------       -----------------------------------
                                                     2000                                      1999
                                      ---------    ---------    ---------       ---------    ---------    ---------
                                                                  Average                                   Average
                                                    Interest       Rate                       Interest       Rate
                                        Average     Income/       Earned/         Average     Income/       Earned/
                                        Balance     Expense        Paid           Balance     Expense        Paid
                                      ---------    ---------     --------       ---------    ---------    ---------
                                                                     (in thousands)
<S>                                 <C>          <C>           <C>            <C>          <C>          <C>
Assets
   Federal funds sold                 $  24,311    $      402         6.61%     $  20,915    $     271         5.18%
   Securities                            15,713           248         6.31         16,032          248         6.19
   Loans                                157,369         3,750         9.53        124,093        2,749         8.86
                                      ----------   ----------    ---------      ---------    ---------    ---------
Total Earning Assets/
   Total Interest Income                 197,393        4,400         8.92        161,040        3,268         8.12%
                                                   ----------    ---------                   ---------    ---------
Cash and due from banks                    5,516                                    4,889
All other assets                           1,550                                    1,745
                                      ----------                                ---------
Total Assets                          $  204,459                                $ 167,674
                                      ==========                                =========
Liabilities and Equity
   NOW and money market accounts      $   18,621          108         2.32%     $  21,459          174         3.24%
   Savings deposits                        8,084           60         2.97          6,070           45         2.97
   Time deposits                         132,107        2,140         6.48        102,634        1,364         5.32
   Short term borrowings                   4,074           43         4.22          2,684           28         4.17
   Capitalized lease obligation            1,448           45        12.43          1,512           48        12.70
                                      ----------   ----------    ---------      ---------    ---------    ---------
Total Interest Bearing Liabilities/
   Total Interest Expense                164,334        2,396         5.83%       134,359        1,659         4.93%
                                                   ----------    ---------                   ---------    ---------
Noninterest bearing demand deposits       21,075                                   15,826
All other liabilities                        900                                      564
Stockholders' equity                      18,150                                   16,925
                                      ----------                                ---------
Total Liabilities and Equity          $  204,459                                $ 167,674
                                      ==========                                =========
Net Interest Income                                $    2,004                                $   1,609
                                                   ==========                                =========
Net Interest Margin (Net Interest
   Income/Total Earning Assets)                                       4.06%                                    4.00%
                                                                 =========                                =========
</TABLE>




                                       16
<PAGE>   17

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)

<TABLE>
<CAPTION>

                                                              Nine Months Ended September 30,
                                      -----------------------------------       -----------------------------------
                                                     2000                                      1999
                                      ---------    ---------    ---------       ---------    ---------    ---------
                                                                  Average                                  Average
                                                    Interest       Rate                        Interest     Rate
                                        Average     Income/       Earned/         Average      Income/     Earned/
                                        Balance     Expense        Paid           Balance      Expense      Paid
                                      ---------    ---------     --------       ---------    ---------    ---------
                                                                     (in thousands)
<S>                                <C>          <C>               <C>        <C>          <C>              <C>
Assets
   Federal funds sold                 $  17,493    $     822         6.27%      $  19,411    $     711        4.88%
   Securities                            14,725          693         6.28          17,064          780        6.09
   Loans                                152,921       10,688         9.32         114,298        7,468        8.71
                                      ---------    ---------     --------       ---------    ---------    --------
Total Earning Assets/
   Total Interest Income                185,139       12,203         8.79%        150,773        8,959        7.92%
                                                   ---------     --------                    ---------    --------
Cash and due from banks                   5,215                                     4,486
All other assets                          1,665                                     1,826
                                      ---------                                 ---------
Total Assets                          $ 192,019                                 $ 157,085
                                      =========                                 =========
Liabilities and Equity
   NOW and money market accounts      $  17,311          305         2.35%      $  19,977          464        3.10%
   Savings deposits                       8,443          190         3.00           5,096          115        3.01
   Time deposits                        123,334        5,649         6.11          95,493        3,778        5.27
   Short term borrowings                  2,801           88         4.19           2,532           82        4.32
   Capitalized lease obligation           1,463          135        12.30           1,245          117       12.53
                                      ---------    ---------     --------       ---------    ---------    --------
Total Interest Bearing Liabilities/
   Total Interest Expense               153,352        6,367         5.54%        124,343        4,556        4.89%
                                                   ---------     --------                    ---------    --------
Noninterest bearing demand deposits      20,034                                    15,299
All other liabilities                       914                                       506
Stockholders' equity                     17,719                                    16,937
                                      ---------                                 ---------
Total Liabilities and Equity          $ 192,019                                 $ 157,085
                                      =========                                 =========
Net Interest Income                                $   5,836                                 $   4,403
                                                   =========                                 =========
Net Interest Margin (Net Interest
   Income/Total Earning Assets)                                      4.20%                                    3.89%
                                                                 ========                                 ========
</TABLE>



                                       17
<PAGE>   18

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)



NONINTEREST INCOME

Noninterest income increased by 2%, for the first nine months of 2000, when
ignoring security gains and nonrecurring items for the first six months of 1999.
Credit card merchant fee income increased 23%, or $33,000 for the first nine
months of 2000. The largest components of noninterest income are service charge
fee income and credit card merchant processing fees.

NONINTEREST EXPENSE

Noninterest expense increased for the first nine months by 23%, to $3.9 million
in 2000. This was primarily the result of growth of the Corporation, and the
accompanying rise in payroll and other operating expense. Premises and fixed
asset expense increased as the Bank implemented a check imaging operations
center. The Corporation continues to become more efficient as expense growth has
been primarily driven by corresponding revenue and asset growth.

PROVISION FOR INCOME TAXES

The Corporation and the Bank file a consolidated federal income tax return.
Before 1998, no net deferred tax asset had been provided for the future benefit
of the net operating loss carryforward generated since inception, because the
Corporation did not have a history of earnings. A total tax benefit of $774,000
was recognized in 1998 when it became more likely than not that the carryforward
would be realized in the future. Beginning in 1999, the Corporation is
recognizing a federal tax provision based on "book taxable" income. Starting in
the third quarter of 1999, the Corporation paid estimated federal income taxes
having utilized the net operating loss carryforward available to the Corporation
as the result of ongoing earnings.


RECENT ACCOUNTING PRONOUNCEMENTS

In June 1998 Statement of Financial Account 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 as part of a hedge
transaction and, if it is, on the type of hedge transaction. SFAS 133 is
effective for the year 2000. The Company is currently evaluating the impact of
SFAS 133. At present, the Company does not believe it will have a material
effect on the consolidated financial position or results of operations.


LIQUIDITY AND ASSET/LIABILITY MANAGEMENT

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. For the
Corporation, the major sources of liquidity 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 facilities, and a $20.0 million secured line
of credit with the Federal Home Loan Bank of Indianapolis ("FHLB"). The
Corporation's 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.

Managing rates on earning assets and interest bearing liabilities focuses on
maintaining stability in the net interest margin, which is an important factor
in earnings growth and stability. Emphasis is placed on maintaining a controlled
rate sensitivity position, to avoid wide swings in margins and to manage risk
due to changes in interest rates.




                                       18
<PAGE>   19

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)



The Corporation's Asset Liability Management Committee ("ALCO"), which meets
monthly, 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.

The following table shows the maturity and repricing distribution of the
Corporation's interest earning assets and interest bearing liabilities as of
September 30, 2000. 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 cumulative interest rate sensitivity gap ratio. Loans are
presented net of unearned income, gross of the allowance, while securities are
shown at amortized cost. Non-maturing deposits have assumptions as to repricing
standards.

<TABLE>
<CAPTION>

                                                            After Three     After One
                                              Within        Months But      Year But          After
                                               Three        Within One       Within           Five
                                              Months           Year         Five Years        Years           Total
                                             --------      ------------    ------------    ----------       ---------
                                                                          (in thousands)
<S>                                       <C>             <C>             <C>             <C>             <C>
Interest earning assets:
   Federal funds sold                        $ 24,300        $     --        $     --        $     --        $ 24,300
   Securities                                   4,001           1,049          10,482           1,491          17,023
   Loans                                       87,978           5,194          55,978          10,157         159,307
                                             --------        --------        --------        --------        --------
     Total                                    116,279           6,243          66,460          11,648        $200,630
                                             --------        --------        --------        --------        ========

Interest bearing liabilities:
   NOW and money market
     accounts                                   2,097           6,342          10,124              --        $ 18,563
   Savings deposits                               623           1,946           5,213              --           7,782
   Jumbo time deposits                         43,422          23,643           8,040              --          75,105
   Time deposits < $100,000                    24,426          12,630          23,427              --          60,483
   Short term borrowings                        5,086              --              --              --           5,086
   Capitalized lease obligation
     and ESOP payable                             436              13             198             802           1,449
                                             --------        --------        --------        --------        --------
     Total                                     76,090          44,574          47,002             802        $168,468
                                             --------        --------        --------        --------        ========


Interest rate sensitivity gap                $ 40,189         (38,331)         19,458          10,846
Cumulative interest rate
   sensitivity gap                                           $  1,858        $ 21,316        $ 32,162
Interest rate sensitivity gap
   ratio                                         1.53            0.14            1.41           14.52
Cumulative interest rate
   sensitivity gap ratio                                         1.02            1.13            1.19
</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 various categories of 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.




                                       19

<PAGE>   20

COMMUNITY CENTRAL BANK CORPORATION
FORM 10-QSB (continued)



At September 30, 2000, the Corporation is considered somewhat "asset sensitive"
according to the preceding table. In a downward rate environment, the
Corporation might not be able to decrease prices on interest bearing liabilities
faster than the decrease in rates on interest bearing assets.

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, 2000, the most recent and available analysis, the simulation
model projects net interest income would increase by 4.6% 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 4.9%
of the base net interest income.











                                       20
<PAGE>   21

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 as presented herein.

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.

Not applicable.


ITEM 6.  EXHIBITS AND REPORTS ON FORM 8-K.

              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

              11           Computation of Per Share Earnings

              27           Financial Data Schedule






                                       21
<PAGE>   22

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 9, 2000.


                               COMMUNITY CENTRAL BANK CORPORATION





                               By:  S/ HAROLD W. ALLMACHER
                                  ----------------------------------------------
                               Harold W. Allmacher;
                               Chairman of the Board and Chief Executive Officer
                               (Principal Executive Officer)




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








                                       22
<PAGE>   23

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

          11           Computation of Per Share Earnings

          27           Financial Data Schedule





                                       23