<PAGE>

                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


     X  QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES
    ---                       EXCHANGE ACT OF 1934
                    For the Quarter ended September 30, 2003
                         Commission file number: 0-17482

    TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
---                                ACT OF 1934
                  For the transition period from ____ to _____



                                County Bank Corp
                             Michigan EIN 38-0746329
                      83 W. Nepessing St., Lapeer, MI 48446
                                 (810) 664-2977

Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by section 13 of 15(d) of the Securities Exchange Act of 1934 during
the preceding 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
     ---     ---


Indicate the number of shares outstanding as of each of the issuer's classes of
common stock, as of the latest practicable date.


There are 1,186,472 shares of common stock outstanding as of September 30, 2003.




<PAGE>
                                COUNTY BANK CORP

                                    FORM 10-Q

                    For the Quarter ended September 30, 2003

PART I: FINANCIAL INFORMATION                                              PAGE

     Item 1. Financial Statements

          Balance Sheets-At September 30, 2003 and December 31, 2002         4

          Statements of Income-For the three months and nine months
          ended September 30, 2003 and September 30, 2002                    5

          Statement of Cash Flows
          For the nine months ended September  30, 2003 and
          September 30, 2002                                                 6

          Notes to Financial Statements                                      7

     Item 2.  Management's Discussion and Analysis of
     Financial Condition and the Results of Operations                       8

     Item 3.  Quantitative and Qualitative Disclosures about Market
     Risk                                                                    9

     Item 4.  Controls and Procedures                                       10


PART II: OTHER INFORMATION

     Item 1.  Legal Proceedings                                             10

     Item 6.  Exhibits and Reports of Form 8-K                              10

All items except those set forth above are inapplicable and have been
omitted.

SIGNATURES                                                                  14

This report includes forward-looking statements within the meaning of section
27a of the Securities Act of 1933, as amended, which involve inherent risks and
uncertainties. A number of important factors could cause actual results to
differ materially from those in the forward-looking statements. Those factors
include the economic environment, competition, products and pricing in the
geographic area and business areas in which County Bank Corp (the Corporation)
operates, prevailing interest rates, changes in government regulations and
policies affecting financial services companies, credit quality and credit risk
management, changes in the banking industry including the effects of
consolidation resulting form possible mergers of financial institutions,
acquisitions and integration of acquired businesses. The Corporation undertakes
no obligation to release revisions to these forward-looking statements or
reflect events or circumstances after the date of this report.



                                                                               2
<PAGE>

Part I -- Financial Information

Item I -- Financial Statements

Introduction to Financial Statements

The consolidated financial statements of County Bank Corp and subsidiary, Lapeer
County Bank & Trust Co., have been prepared, without audit, pursuant to the
rules and regulations of the Securities and Exchange Commission. Certain
information and footnote disclosures normally included in financial statements
prepared in accordance with generally accepted accounting principles have been
omitted pursuant to such rules and regulations. The Company believes that the
disclosures are adequate to make the information presented not misleading when
read in conjunction with financial statements and the notes thereto included in
County Bank Corp's Form 10-K as filed with the Securities and Exchange
Commission for the year ended December 31, 2002.

The financial information presented reflects all adjustments (consisting only of
normal recurring adjustments) which are, in the opinion of management, necessary
for a fair statement of the results for the interim periods presented. The
results for interim periods are not necessarily indicative of the results to be
expected for the year.

Critical Accounting Policies

The nature of the financial services industry is such that, other than described
below, the use of estimates and management judgment are not likely to present a
material risk to the financial statements. In cases where estimates or
management judgment are required, internal controls and processes are
established to provide assurance that such estimates and management judgments
are materially correct to the best of management's knowledge.

Allowance for Loan Losses. Accounting for loan classifications, accrual status,
and determination of the allowance for loan losses is based on regulatory
guidance. This guidance includes, but is not limited to, generally accepted
accounting principles, the uniform retail credit classification and joint policy
statement on the allowance for loan losses methodologies issued by the Federal
Financial Institutions Council. Accordingly, the allowance for loan losses
includes a reserve calculation based on an evaluation of loans determined to be
impaired, risk ratings, historical losses, loans past due, and other subjective
factors.


                                                                               3
<PAGE>


CONSOLIDATED FINANCIAL
STATEMENTS

<TABLE>
<CAPTION>

BALANCE SHEETS (in thousands)                                                          (Unaudited)
                                                                                      September 30      December 31
                                                                                          2003             2002
<S>                                                                                    <C>              <C>
ASSETS
Cash and due from banks                                                                 $ 10,979         $ 14,401
Investment securities held to maturity                                                    23,932           24,040
Investment securities available for sale                                                  39,447           34,690
Other securities                                                                             541              541
                                                                                        --------         --------
   Total investment securities                                                            63,920           59,271
Federal funds sold                                                                        15,450           5,850
Loans                                                                                    150,520          155,315
   Less: Reserve for possible loan losses                                                  2,160            2,165
                                                                                        --------         --------
      Net loans                                                                          148,360          153,150
Bank premises and equipment                                                                5,860            4,934
Interest receivable and other assets                                                       2,923            2,710
                                                                                        --------         --------
   TOTAL ASSETS                                                                         $247,492         $240,316
                                                                                        ========         ========

LIABILITIES AND STOCKHOLDERS' EQUITY

LIABILITIES:
Deposits:
   Non-interest bearing demand                                                          $ 41,323         $ 33,704
   Interest bearing demand                                                                60,189           66,809
   Savings                                                                                54,798           50,215
   Time                                                                                   57,320           57,690
                                                                                        --------         --------
      Total deposits                                                                     213,630          208,418
Interest payable and other liabilities                                                     2,517            2,483
                                                                                        --------         --------
   TOTAL LIABILITIES                                                                     216,147          210,901

STOCKHOLDERS' EQUITY
Common Stock-$5.00 par value, 3,000,000 shares
  authorized and 1,186,472 shares outstanding                                              5,932            5,932
Surplus                                                                                    8,634            8,634
Undivided profits                                                                         14,500           12,595
Unrealized gains and losses on securities available for sale                               2,279            2,254
                                                                                        --------         --------
   TOTAL STOCKHOLDERS' EQUITY                                                             31,345           29,415
                                                                                        --------         --------
   TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                                           $247,492         $240,316
                                                                                        ========         ========
</TABLE>




                                                                               4
<PAGE>

<TABLE>
<CAPTION>

CONSOLIDATED INCOME STATEMENTS                                     (Unaudited)                         (Unaudited)
(in thousands)                                                   Three months ended                 Nine months ended
                                                                   September 30                       September 30
                                                              2003              2002              2003             2002
<S>                                                        <C>               <C>               <C>              <C>
INTEREST INCOME
Interest and fees on loans                                 $   2,415         $   2,690         $   7,645        $   7,928
Interest on investments: taxable                                 247               387               799            1,254
Interest on investments: nontaxable                              359               349             1,049            1,048
Interest on Federal funds sold                                    42                21               126               94
                                                           ---------         ---------         ---------        ---------
     TOTAL INTEREST INCOME                                     3,063             3,447             9,619           10,324
INTEREST EXPENSE
   Demand deposits                                               101               215               357              691
   Savings deposits                                              100               169               341              505
   Time deposits                                                 459               562             1,445            1,755
                                                           ---------         ---------         ---------        ---------
     TOTAL INTEREST EXPENSE                                      660               946             2,143            2,951
                                                           ---------         ---------         ---------        ---------
NET INTEREST INCOME                                            2,403             2,501             7,476            7,373
Provision for possible loan losses                                 5                20                35              130
                                                           ---------         ---------         ---------        ---------
NET INTEREST INCOME AFTER PROVISION
   FOR POSSIBLE LOAN LOSSES                                    2,398             2,481             7,441            7,243
OTHER INCOME
Service fees on loan and deposit accounts                        301               310               887              878
Other                                                            456               412             1,219            1,195
                                                           ---------         ---------         ---------        ---------
     TOTAL OTHER INCOME                                          757               722             2,106            2,073
OTHER EXPENSES
Salaries and employee benefits                                 1,266             1,168             3,711            3,403
Net occupancy expense                                            227               260               703              742
Other                                                            536               493             1,528            1,474
                                                           ---------         ---------         ---------        ---------
     TOTAL OTHER EXPENSE                                       2,029             1,921             5,942            5,619
INCOME BEFORE PROVISION FOR FEDERAL
   INCOME TAX                                                  1,126             1,282             3,605            3,697
Provision for Federal income tax                                 257               307               847              882
                                                           ---------         ---------         ---------        ---------
NET INCOME                                                       869               975             2,758            2,815
                                                           =========         =========         =========        =========

EARNINGS PER SHARE
Net income                                                 $    0.73         $    0.82         $    2.32        $    2.37
Cash dividend declared                                     $    0.24         $    0.22         $    0.72        $    0.66


</TABLE>



                                                                               5
<PAGE>

<TABLE>
<CAPTION>

STATEMENT OF CASH FLOWS                                                                         (Unaudited)
(in thousands)                                                                               Nine months ended
                                                                                               September 30
                                                                                          2003              2002
<S>                                                                                     <C>               <C>
Cash flows from operating activities
Net income                                                                              $  2,758          $  2,815

Adjustments to reconcile net income to net cash
  provided from operating activities
Depreciation                                                                                 310               346
Provision for loan losses                                                                     35               130
Net amortization and accretion of securities                                                 139               166
(Gain) loss on other real estate owned                                                                         (31)
Net change in accrued interest receivable                                                   (265)              (76)
Net change in accrued interest payable and other                                              21               390
                                                                                        --------          --------

Net cash provided by operating activities                                                 2,998              3,740

Cash flows form investing activities
Proceeds from maturities of investment securities: AFS                                    11,357            10,949
Proceeds from maturities of investment securities: HTM                                     2,170             2,676
Purchase of investment securities: AFS                                                   (16,233)          (10,112)
Purchase of investment securities: HTM                                                    (2,043)           (1,043)
Net (increase) decrease in loans                                                           4,755            (8,580)
Proceeds from the sale of other real estate                                                   52               201

Premises and equipment expenditures
                                                                                          (1,236)             (744)
                                                                                        --------          --------

Net cash provided from (used in) investing
activities                                                                                (1,178)          (6,653)

Cash flows from financing activities
Net increase (decrease) in interest bearing and
  non-interest bearing demand accounts                                                       999            (5,769)
Net increase (decrease) in savings and time
deposits                                                                                   4,213             2,703
Cash dividends paid                                                                         (854)             (783)
                                                                                        --------          --------
Net cash provided from (used in) financing
activities                                                                                 4,358            (3,849)
                                                                                        --------          --------

Net increase (decrease) in cash and equivalents                                            6,178            (6,762)
Cash and equivalents at beginning of year                                                 20,251            19,933
                                                                                        --------          --------

Cash and equivalents at end of period                                                   $ 26,429          $ 13,171
                                                                                        ========          ========

Cash paid for:
Interest                                                                                $  2,212          $  3,046

Income taxes                                                                            $    905          $    726

</TABLE>


                                                                               6

<PAGE>


NOTE 1. INVESTMENTS
(in thousands)

The carrying amount and approximate market value of securities held to maturity
were as follows

<TABLE>
<CAPTION>

                                                                              September 30, 2003

                                                         Amortized          Gross            Gross          Estimated
                                                            Cost          Unrealized       Unrealized         Market
                                                                            Gains            Losses           Value
<S>                                                     <C>               <C>              <C>              <C>
Obligations of states and political subdivisions         $  21,722        $  1,626           $   5          $  23,343
Mortgage-backed securities                                   2,210              92               -              2,302
                                                         ---------        --------           -----          ---------
  Total                                                  $  23,932        $  1,718           $   5          $  25,645
                                                         =========        ========           =====          =========
</TABLE>

The carrying amount and approximate market value of securities held to maturity
were as follows

<TABLE>
<CAPTION>

                                                                              December 31,2002
                                                         Amortized          Gross            Gross          Estimated
                                                            Cost          Unrealized       Unrealized         Market
                                                                            Gains            Losses           Value
<S>                                                      <C>              <C>               <C>            <C>
Obligations of states and political subdivisions         $  21,224        $  1,339           $   5          $  22,558
Mortgage-backed securities                                   2,816              88               -              2,904
                                                         ---------        --------           -----          ---------
  Total                                                  $  24,040        $  1,427           $   5          $  25,462
                                                         =========        ========           =====          =========
</TABLE>


The carrying amount and approximate market value of securities available for
sale were as follows

<TABLE>
<CAPTION>

                                                                            September 30, 2003
                                                         Amortized          Gross            Gross          Estimated
                                                            Cost          Unrealized       Unrealized         Market
                                                                            Gains            Losses           Value
<S>                                                      <C>              <C>                <C>            <C>
U.S. Government securities and obligations of
  U.S. Government corporations and political             $  10,112        $     24           $  58          $  10,078
Obligations of states and political subdivisions            10,207             593              49             10,751
Corporate securities                                         2,949           2,875              44              5,780
Mortgage-backed securities                                  12,725             200              87             12,838
                                                         ---------        --------           -----          ---------
  Total                                                  $  35,993        $  3,692           $ 238          $  39,447
                                                         =========        ========           =====          =========
</TABLE>


The carrying amount and approximate market value of securities available for
sale were as follows

<TABLE>
<CAPTION>

                                                                              December 31,2002
                                                         Amortized          Gross            Gross          Estimated
                                                            Cost          Unrealized       Unrealized         Market
                                                                            Gains            Losses           Value
<S>                                                     <C>              <C>                <C>            <C>
U.S. Government securities and obligations of
  U.S. Government corporations and political
  subdivisions                                           $   6,008        $     70           $   1          $   6,077
Obligations of states and political subdivisions             7,605             505               1              8,109
Corporate securities                                         2,974           2,584               -              5,558
Mortgage-backed securities                                  14,688             327              69             14,946
                                                         ---------        --------           -----          ---------
  Total                                                  $  31,275        $  3,486           $  71          $  34,690
                                                         =========        ========           =====          =========
</TABLE>





                                                                               7

<PAGE>





NOTE 2. LOANS

<TABLE>
<CAPTION>

(in thousands)                                        9/30/2003       12/31/2002
<S>                                                   <C>             <C>
Commercial                                            $  78,651       $  81,349
Real estate mortgage                                     37,641          37,265
Installment                                              24,450          20,413
Construction                                              9,778          16,288
                                                      ---------       ---------
                                                      $ 150,520       $ 155,315
                                                      =========       =========
</TABLE>


Transactions in the reserve for possible loan losses were as follows for the
nine months ended September 30:

<TABLE>
<CAPTION>

                                                         2003             2002
<S>                                                    <C>              <C>
Beginning balance at beginning of period               $  2,165        $  2,139
Provision charged to earnings                                35             130
Loans charged off                                            66              83
Recoveries                                                   26              15
                                                       --------        --------
Balance at end of the period                           $  2,160        $  2,201
                                                       ========        ========

Reserve as a percent of total loans                        1.44%           1.42%

Loans outstanding to executive officers,               $  4,110        $  2,938
directors, principal shareholders and their
related companies. In the opinion of management,
such loans were made on the same terms and
conditions as those to other borrowers and
did not involve more that the normal risk
of collectability
</TABLE>


ITEM 2.  MANAGEMENTS' DISCUSSION OF FINANCIAL CONDITION AND RESULTS OF
OPERATIONS.

Financial Condition

The Corporation experienced falling loan demand through the third quarter. Net
loans decreased $4,755,000 in the first nine months. New loan activity in
commercial loan categories did not replace commercial loan repayments. Mortgage
loan activity moderated as a result of stable to rising interest rates. The
demand for traditional consumer loans remained soft. Home equity lines of credit
increased, although some credit lines were rewritten in mortgage restructuring.

Savings deposits increased while interest bearing demand deposits decreased
during the first nine months of the year. Our Choice product, which offers a
short term market rate with check writing privileges declined due to continued
low rates. Balances in non-interest bearing demand accounts increased. Deposit
customers are waiting for increases in deposit rates and continue to seek the
safety of principal.

Activity in the investment portfolio increased as loan demand moderated. Cash
flow from mortgage backed securities increased as a result of low interest rates
and the refinancing activity. Municipal investments increased as bonds were
purchased with shorter maturities to obtain yield yet shorten the duration of
the portfolio. The Corporation is shortening its securities investment targets
in anticipation of rising rates. The Corporation continues to seek investment
opportunities to supplement income but remain liquid enough to meet loan demand.

Capital Resources




                                                                               8

<PAGE>





The Corporation paid a quarterly dividend of $.24 per share during the first and
second quarters. Strong capital ratios in excess of regulatory requirements
enabled the Board of Directors to take this action. The Corporation's tier one
risk-based capital ratio was 18.3 on September 30, 2003 after payment of the
dividends. Financial institutions are adequately capitalized if this ratio
exceeds 4.0% and well capitalized if the ratio exceeds 6.0%. The primary use of
the Corporation's capital is to support growth. The Corporation completed a new
branch in Deerfield Township and is finalizing the modernization of its main
office facilities to support operations for the future.

Results of Operations

Stable then declining interest rates and loan repayments reduced the Bank's
interest margin. The Bank's asset and liability repricing opportunities are
closely matched over the short term. Pressure builds from loan customers seeking
to lock interest rates for longer terms and deposit customers are more sensitive
to competitor's interest rate offerings. The quarterly FTE interest margin as
percent of average assets for the third quarter fell to 4.17% from 4.39% in the
second quarter of 2003. The interest spread declined from 4.32% to 4.14%.
Management anticipates that the Federal Reserve Bank will make few changes to
interest rates in the next few quarters and pressure on the interest margin will
continue as more assets reprice at a lower return. Loan rates are carefully
negotiated to maintain margin, particularly when fixed rate financing is
requested. Other income and other expense categories performed at the comparable
levels to previous years. The Bank's return on average assets was 1.39% during
the third quarter.

Provision for Possible Loan Losses

Management realizes that loan losses cannot be predicted with absolute
certainty. The Corporation adheres to a loan review procedure that identifies
loans that may develop into problem credits. The adequacy of the reserve for
possible loan losses is evaluated against the listings that result from the
review procedure, historical net loan loss experience, current and projected
loan volumes, the level and composition of non-accrual, past due and
renegotiated or reduced rate loans, current and anticipated economic conditions
and an evaluation of each borrower's credit worthiness. Based on these factors,
management determines the amount of the provision for possible loan losses
needed to maintain an adequate reserve for possible loan losses. The amount of
the provision for possible loan losses is recorded as current expense and may be
greater or less than the actual net charged off loans.

Activity related to the reserve for loan losses resulted in net charged off
loans of $6,000 in the third quarter of 2003. Management ceased funding the
reserve for loan losses based on a strong ratio of loan loss reserve to total
loans and stable risk factors in the loan portfolio.

Liquidity

There were no significant changes to the Corporation's liquidity risk during the
quarter. Liquidity is required to meet loan demand and pay dividends to
shareholders. The Corporation maintains sufficient liquidity in Federal Funds
Sold to meet normal liquidity demands. The Corporation maintains an available
for sale portfolio of U.S. Government bonds and U.S. Government Sponsored Agency
bonds as additional insurance against liquidity risk.

ITEM 3.  QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

The Corporation reported market risk detail in its 10-K filing for the year
ended December 31, 2002. There have been no events or changes to the
Corporations' assets and liabilities that significantly alter those risk
disclosures.




                                                                               9

<PAGE>

ITEM 4. CONTROLS AND PROCEDURES

The Company carried out an evaluation, under the supervision and with the
participation of the Company's management, including the Company's Chief
Executive Officer and Chief Financial Officer, of the effectiveness of the
design and operation of the Company's disclosure controls and procedures as of
September 30, 2003, pursuant to Exchange Act Rule 13a-15. Based upon that
evaluation, the Chief Executive Officer and Chief Financial Officer concluded
that the Company's disclosure controls and procedures were effective as of
September 30, 2003, in timely alerting them to material information relating to
the Company (including its consolidated subsidiaries) required to be included in
the Company's periodic SEC filings.

There was no change in the Company's internal control over financial reporting
that occurred during the Company's fiscal quarter ended September 30, 2003, that
has materially affected, or is reasonably likely to materially affect, the
Company's internal control over financial reporting.

PART II.

ITEM 1.  LEGAL PROCEEDINGS

The Corporation from time to time is involved in legal proceedings arising in
the ordinary course of business, which in aggregate involve amounts that are
believed by management to be immaterial to the financial condition of the
Corporation. The Corporation is not currently involved in legal proceedings that
are of a material nature.

ITEM 6.  EXHIBITS AN REPORTS OF FORM 8-K

A) Exhibits

B) A form 8-K was filed on September 2, 2003 in response to regulation FD
   containing a press release relative to the payment of the second quarter
   dividend.



                                                                              10

<PAGE>




                                   SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized

November 13, 2003


                                           COUNTY BANK CORP



                                           /s/Joseph H. Black
                                           ------------------
                                           Joseph H. Black
                                           Treasurer and Chief Financial Officer




                                                                              14

<PAGE>

                               10-Q EXHIBIT INDEX

<TABLE>
<CAPTION>

EXHIBIT NO.     DESCRIPTION
<S>             <C>
EX-31.1         Certification of Chief Executive Officer pursuant to Section 302

EX-31.2         Certification of Chief Financial Officer Pursuant to Section 302

EX-32.1         Certification pursuant to 18 U.S.C. Section 1350, as adopted
                pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

EX-32.2         Certification pursuant to 18 U.S.C. Section 1350, as adopted
                pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
</TABLE>