Document:

FIRST AMENDMENT TO THE
                       COMMUNITY CAPITAL BANCSHARES, INC.
                            1998 STOCK INCENTIVE PLAN

     THIS  FIRST  AMENDMENT  is made as of January 2, 2001, by Community Capital
Bancshares,  Inc.,  a  Georgia  corporation  (the  "Company").

     WHEREAS,  the Company maintains the Community Capital Bancshares, Inc. 1998
Stock Incentive Plan (the "Plan"), which was last amended and restated effective
as  of  February  15,  1999;

     WHEREAS,  the  Company desires to amend the Plan to reflect a ten-for-seven
stock  split,  which  was  effective  in  January  of  2001.

     NOW,  THEREFORE, BE IT RESOLVED, that, effective as of January 2, 2001, the
Company  does  hereby  amend  the  Plan  as  follows:

      1.     By  deleting the existing Section 2.2 and replacing it with the
following new  Section  2.2:

          "2.2     Stock  Subject  to  the  Plan.  Subject  to  adjustment  in
                   -----------------------------
     accordance  with  Plan  Section  5.2, 128,574 shares of Stock (the "Maximum
     Plan  Shares")  are  hereby  reserved  exclusively for issuance pursuant to
     Stock  Incentives.  At  no  time  shall  the Company have outstanding Stock
     Incentives  and  shares  of  Stock issued in respect of Stock Incentives in
     excess  of the Maximum Plan Shares. The shares of Stock attributable to the
     nonvested,  unpaid, unexercised, unconverted or otherwise unsettled portion
     of  any  Stock  Incentive  that  is  forfeited  or  cancelled or expires or
     terminates  for  any  reason  without  becoming  vested,  paid,  exercised,
     converted  or  otherwise  settled  in  full  shall  again  be available for
     purposes  of  the  Plan."

     2.     By  deleting  the last sentence of Section 2.4 and replacing it with
the  following  new  language:

     "To  the  extent  required  under  Code  Section  162(m)  and  regulations
     thereunder  for  compensation  to be treated as qualified performance-based
     compensation,  subject  to  adjustment  in accordance with Section 5.2, the
     maximum  number  of  shares  of  Stock with respect to which Options may be
     granted  during any single fiscal year of the Company to any employee shall
     not  exceed  85,716."

     Except as specifically amended hereby, the remaining provisions of the Plan
shall  remain  in  full  force and effect as prior to the adoption of this First
Amendment.

<PAGE>
     IN  WITNESS  WHEREOF,  the  Company  has  caused this First Amendment to be
executed,  effective  as  of  the  date  first  above  written.

                                  COMMUNITY  CAPITAL  BANCSHARES,  INC.

                                  By: __________________________________________

                                  Title: _______________________________________

ATTEST:

By: _________________________

Title: ______________________

<PAGE>FIRST AMENDMENT TO THE
                       COMMUNITY CAPITAL BANCSHARES, INC.
                    2000 OUTSIDE DIRECTORS' STOCK OPTION PLAN

     THIS  FIRST  AMENDMENT  is made as of January 2, 2001, by Community Capital
Bancshares,  Inc.,  a  Georgia  corporation  (the  "Company").

     WHEREAS,  the Company maintains the Community Capital Bancshares, Inc. 2000
Outside  Directors' Stock Option Plan (the "Plan"), which became effective as of
April  24,  2000;  and

     WHEREAS,  the  Company desires to amend the Plan to reflect a ten-for-seven
stock  split,  which  was  effective  in  January  of  2001.

     NOW,  THEREFORE, BE IT RESOLVED, that, effective as of January 2, 2001, the
Company  does  hereby  amend  the  Plan  as  follows:

     1.     By  deleting  the  existing  Section  4  and  replacing  it with the
following  new  Section  4:

                       "SECTION 4.  SHARES SUBJECT TO PLAN

          The  aggregate  number  of Option Shares which may be issued under the
     Plan  shall  at  no time exceed 21,429. The limitations established by this
     Section shall be subject to adjustment in accordance with the provisions of
     the  Plan.  In  the  event  that an Option expires or is terminated for any
     reason,  the  Option  Shares  allocable  to the unexercised portion of such
     Option  may again be subject to an Option under the Plan. In the event that
     an Optionee delivers Shares as payment of the exercise price for an Option,
     such  Shares  may  be  subject  to  Options  under  the  Plan."

     2.     By  deleting  the  existing  Section  6  and  replacing  it with the
following  new  Section  6:

                           "SECTION 6.  FORMULA GRANTS

          As of each annual meeting of the shareholders of the Company until the
     earlier  of  the expiration of the Plan or at any time that an annual grant
     can  not  be  fully funded due to an insufficient number of Shares reserved
     for issuance under the Plan, each Eligible Director who holds a seat on the
     Board of Directors as of the date of the annual meeting of the shareholders
     shall  be  granted  an Option to purchase 142 Shares as of the date of such
     annual  meeting;  provided,  however,  that  the  Chairman  of the Board of
     Directors  shall  be  granted  an  Option  to  purchase  285  Shares."

<PAGE>
     Except as specifically amended hereby, the remaining provisions of the Plan
shall  remain  in  full  force and effect as prior to the adoption of this First
Amendment.

     IN  WITNESS  WHEREOF,  the  Company  has  caused this First Amendment to be
executed,  effective  as  of  the  date  first  above  written.

                                  COMMUNITY  CAPITAL  BANCSHARES,  INC.

                                  By: __________________________________________

                                  Title: _______________________________________

ATTEST:

By: _________________________

Title: ______________________

                                        2
<PAGE>COMMUNITY CAPITAL BANCSHARES, INC.
                      RESTATED EMPLOYEE STOCK PURCHASE PLAN

<PAGE>
<TABLE>
<CAPTION>
                                TABLE OF CONTENTS

<S>                                                                  <C>
PURPOSE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  1

DEFINITIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . .  1

ELIGIBILITY . . . . . . . . . . . . . . . . . . . . . . . . . . . .  2

OFFERING PERIODS. . . . . . . . . . . . . . . . . . . . . . . . . .  2

PARTICIPATION . . . . . . . . . . . . . . . . . . . . . . . . . . .  2

METHOD OF PAYMENT OF CONTRIBUTIONS. . . . . . . . . . . . . . . . .  3

MATCHING CREDITS. . . . . . . . . . . . . . . . . . . . . . . . . .  3

PURCHASE OF SHARES. . . . . . . . . . . . . . . . . . . . . . . . .  3

DELIVERY. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  3

WITHDRAWAL. . . . . . . . . . . . . . . . . . . . . . . . . . . . .  4

INTEREST. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  4

STOCK . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  4

ADMINISTRATION. . . . . . . . . . . . . . . . . . . . . . . . . . .  5

DESIGNATION OF BENEFICIARY. . . . . . . . . . . . . . . . . . . . .  5

TRANSFERABILITY . . . . . . . . . . . . . . . . . . . . . . . . . .  5

USE OF FUNDS. . . . . . . . . . . . . . . . . . . . . . . . . . . .  6

REPORTS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  6

ADJUSTMENTS UPON CHANGES IN CAPITALIZATION:  CORPORATE TRANSACTIONS  6

AMENDMENT OR TERMINATION. . . . . . . . . . . . . . . . . . . . . .  6

NOTICES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  7

CONDITIONS UPON ISSUANCE OF SHARES. . . . . . . . . . . . . . . . .  7

ADDITIONAL RESTRICTIONS OF RULE 16B-3 . . . . . . . . . . . . . . .  7

NO CONTRACT . . . . . . . . . . . . . . . . . . . . . . . . . . . .  7

WAIVER. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  7

SECURITIES LAW RESTRICTIONS . . . . . . . . . . . . . . . . . . . .  8
</TABLE>

                                        i
<PAGE>
                       COMMUNITY CAPITAL BANCSHARES, INC.
                      RESTATED EMPLOYEE STOCK PURCHASE PLAN

      Community  Capital  Bancshares, Inc. (the "Company") adopted the Community
Capital Bancshares, Inc. Employee Stock Purchase Plan (the "Plan"), effective as
of  January  1,  2000. At the time the Plan was originally adopted by the Board,
the  Board  authorized  the officers of the Company to finalize the terms of the
Plan  and  execute  the  necessary  documents.  The  Plan  is hereby restated in
accordance  with terms as finalized by the officers of the Company, effective as
of  January  1,  2000,  as  set  forth  below.

1.     Purpose.  The purpose of the Plan is to provide eligible employees of the
       -------
Designated  Subsidiaries  with  an opportunity to purchase Common Stock so as to
retain  and  attract  key  employees  and  to  enable them to participate in the
long-term  success  and  growth  of  the  Company  by  providing  them  with  an
opportunity  to  acquire  a  proprietary  interest  in  the  Company.

2.     Definitions.
       -----------

     (a)     "Board" shall mean the Board of Directors of the Company.
              -----

     (b)     "Common Stock"  shall  mean  the  common stock, $1.00 par value per
              ------------
share, of the Company.

     (c)     "Company"  shall  mean  Community  Capital Bancshares, Inc., a bank
              -------
holding company organized under the laws of the State of Georgia.

     (d)     "Compensation" shall  mean all regular wages, exclusive of bonuses,
              ------------
commissions  and  other forms of compensation paid on an irregular basis; except
as  the  Company  may  otherwise  determine  from time to time pursuant to rules
uniformly  applied.

     (e)     "Contributions"  shall  mean  all  amounts  of  a  Participant's
              -------------
Compensation  credited  to  that Participant's Plan account to be applied to the
purchase  of  Common  Stock.

     (f)     "Designated Subsidiaries"  shall  mean  the Subsidiaries which have
              -----------------------
been  designated  by  the  Board  from  time  to  time in its sole discretion as
eligible  to  participate  in  the  Plan.

     (g)     "Effective Date" shall mean January 1, 2000.
              --------------

     (h)     "Eligible  Employee"  shall  mean  any  Employee  of  a  Designated
              ------------------
Subsidiary who (i) is a resident of the State of Georgia and (ii) is customarily
employed  for  at  least  twenty  (20)  hours per week by one or more Designated
Subsidiaries.

     (i)     "Employee" shall mean any employee treated as a common law employee
              --------
of  a Subsidiary.

                                        1
<PAGE>
     (j)     "Exercise Date"  shall  mean the last business day of each Offering
              -------------
Period.

     (k)     "Offering Date"  shall mean the first business day of each Offering
              -------------
Period.

     (l)     "Offering Period"  shall  mean  each calendar quarter following the
              ---------------
Effective  Date  until the Plan is suspended or terminated pursuant to paragraph
19.

     (m)     "Participant"  shall  mean  an Eligible Employee who has elected to
              -----------
participate in the Plan pursuant to paragraph 5.

     (n)     "Plan"  shall  mean the Community Capital Bancshares, Inc. Restated
              ----
Employee Stock Purchase Plan.

     (o)     "Subsidiary"  means  any corporation (other than the Company) in an
              ----------
unbroken chain of corporations beginning with the Company where each corporation
other  than  the  last corporation in the unbroken chain owning stock possessing
fifty percent (50%) or more of the total combined voting power of all classes of
stock  in  one  of  the  other  corporations  in  the chain, whether or not such
corporation  now  exists  or  is hereafter organized or acquired by the Company.

3.     Eligibility.  Any person who is employed as an Eligible Employee shall be
       -----------
eligible  to  participate  in  the  Plan  as  of the Offering Period which first
commences  at  least  fifteen  (15)  days  following  his  or  her date of hire.

4.     Offering Periods.  Participation in the Plan shall be implemented through
       ----------------
a  series  of successive Offering Periods commencing with the Effective Date and
continuing  until  the  Plan  is  suspended  or  terminated  in  accordance with
paragraph  19. The Board shall have the power to change the duration of Offering
Periods  by  announcing  any  such change at least thirty (30) days prior to the
scheduled  beginning of the first Offering Period to be affected by such change.

5.     Participation.
       -------------

     (a)     An  Eligible  Employee  may  become  a Participant by completing an
enrollment  form provided by the Company and filing it with the Company at least
fifteen (15) calendar days prior to the applicable Offering Date, unless a later
time  for  filing  the  enrollment  form  is  set  by the Board for all Eligible
Employees  with respect to a given offering. The enrollment form shall set forth
the  percentage  of the Participant's Compensation (which shall be not less than
one  percent  (1%) and not more than fifteen percent (15%)) that becomes payable
during  the  Offering  Period  which  is  to  be  treated  as  Contributions.

     (b)     A  Participant who elects to participate in the Plan will be deemed
to  have  elected to continue to participate in the Plan for successive Offering
Periods  until  a  voluntary withdrawal pursuant to paragraph 10; an involuntary
withdrawal  pursuant  to  paragraph  10; or the suspension or termination of the
Plan  pursuant  to  paragraph  19.

     (c)     A  Participant  may  not change the rate of Contributions during an
Offering  Period.  However,  a  Participant  may  change the level of his or her
contributions  by  filing  a  change  of

                                        2
<PAGE>
election  form at least fifteen (15) days prior to the Offering Period for which
the  change  is  to  be  effective.

6.     Method of Payment of Contributions.
       ----------------------------------

     (a)     All  Contributions  shall  be  made  by payroll deductions and such
Contributions  shall  be credited to the Participant's account under the Plan. A
Participant  may  not  make  any  additional  payments  into  such  account.

     (b)     With  respect to each Offering Period as to which a Participant has
elected  to  participate  in  the Plan, payroll deductions shall commence on the
first  payday  following the Offering Date and shall end with the last payday on
or  prior to the Exercise Date, unless the Plan is suspended or terminated prior
to  the  Exercise  Date  in  accordance  with  paragraph  19.

7.     Matching Credits.  The Company shall credit to each Participant's account
       ----------------
for  an  Offering  Period  a matching amount equal to thirty-three and one-third
percent  (331/3%)  of the Participant's Contributions, but such matching credits
shall  be  made  only with respect to a Participant's Contributions which do not
exceed  nine  percent  (9%)  of  the Participant's Compensation for the Offering
Period.

8.     Purchase of Shares.
       ------------------

     (a)     A  Participant's  option  for  the purchase of Common Stock will be
exercised  automatically  as  of  the  Exercise Date for an Offering Period. The
accumulated  Contributions  and  matching  amounts  credited  to a Participant's
account  will  be  applied as soon as practicable after the Exercise Date to the
purchase  of  the  maximum  number  of  whole  shares  of  Common  Stock at then
prevailing  prices,  if  the shares are purchased on the open market, or at then
fair  market  value, if the shares are purchased from the Company. During his or
her lifetime, a Participant's option to purchase shares hereunder is exercisable
only  for  the  benefit  of  the  Participant.

     (b)     For purposes of this paragraph, the fair market value of a share of
Common  Stock  shall  be  determined by the Company taking into account material
facts  and  circumstances  pertinent to such determination, as determined by the
Company  in  its  sole  discretion.

     (c)     The  shares of Common Stock sold to Participants may be acquired on
the  open  market  or,  at  the election of the Board, acquired from the Company
either  from  treasury  shares  or  shares  originally  issued for such purpose.

9.     Delivery.  The  Company  shall  deliver  to a custodian designated by the
       ---------
Company  the shares of Common Stock purchased in connection with the exercise of
the  option. A Participant shall have no rights as a shareholder with respect to
shares of Common Stock so purchased until the date of the certificate so issued.
A  Participant  may  elect  at any time thereafter to have such shares of Common
Stock  delivered  to  the  Participant  or  to  an  account  established  by the
Participant  with  any  brokerage  firm.  Any  cash remaining to the credit of a
Participant's  account  under  the  Plan after a purchase of Common Stock at the
termination  of  each  Offering  Period

                                        3
<PAGE>
which is insufficient to purchase a whole share of Common Stock shall be carried
over  to  the  next  Offering  Period  if  the  Participant  remains an Eligible
Employee. If the Participant has elected to withdraw from the Plan as of the end
of  that Offering Period or is no longer an Eligible Employee, the excess amount
shall  be  paid  to  the  Participant.

10.     Withdrawal.
        ----------

     (a)     A  Participant may not voluntarily withdraw from the Plan during an
Offering  Period.  By  giving  at  least  five  (5) business days' notice to the
Company  prior  to  the  commencement  of the next succeeding Offering Period, a
Participant  may withdraw from the Plan immediately prior to the commencement of
such  Offering Period. Any excess amounts credited to a Participant's account as
of  the  effective date of a voluntary withdrawal will be paid to him in cash as
soon  as  reasonably  practicable  after  such  effective  date.

     (b)     Upon  termination  of  the  Participant's  status  as  an  Eligible
Employee  prior  to  the  Exercise  Date  for  any reason, including a change in
employment  status, termination of employment or death, no further Contributions
to  the  Plan  shall  be made on behalf of the Participant and any Contributions
then  credited  to  the  Participant's  account  will  be  returned  as  soon as
practicable  to  the  Participant or, in the case of his death, to the person(s)
entitled  thereto  under paragraph 14 hereof. All corresponding matching credits
will  be forfeited and the Participant's option for the purchase of Common Stock
for  that  Offering  Period  will  automatically  terminate.

     (c)     A  Participant's  voluntary  withdrawal  from  the Plan will not in
itself  have  any  effect  upon  his  eligibility to participate in a succeeding
Offering  Period  or  in  any similar plan which may hereafter be adopted by the
Company.

11.     Interest.  No  interest  shall  accrue on the Contributions and matching
        --------
credits credited to a Participant's account under the Plan.

12.     Stock.
        -----

     (a)     The  maximum  number  of  shares of the Common Stock which shall be
made  available  for  sale  under  the  Plan  shall be 21,429 shares, subject to
adjustment  upon  changes  in  capitalization  of  the  Company  as  provided in
paragraph  18.  If  the  total  number  of  shares  for  which options are to be
exercised  under  the Plan exceeds the number of shares then available under the
Plan (after deduction of all shares for which options have been exercised or are
then  outstanding),  the  Company shall make a pro rata allocation of the shares
available  in  as  uniform  a  manner  as  shall  be practicable and as it shall
determine  to be equitable. In such event, the Company shall give written notice
of  such  reduction  of  the  number  of  shares  subject  to the option to each
Participant  affected  thereby.

     (b)     Shares  to  be  delivered  to  a Participant under the Plan will be
registered in the name of the Participant, or, if the Participant so directs, by
written  notice  to  the Company prior to the Exercise Date, in the names of the
Participant and one other person designated by the Participant, as joint tenants
with  rights  of  survivorship,  to  the  extent  permitted  by  applicable law.

                                        4
<PAGE>
     (c)     Shares  of  Common Stock purchased under the terms of the Plan by a
Participant,  including  Participants  who  are  subject  to  Section  16 of the
Securities  Exchange Act of 1934, may not be sold prior to the expiration of six
(6)  months from the Exercise Date upon which such shares were purchased, except
in  the  event of the Participant's disability, as determined by the Company, or
death.

13.     Administration.  The  Board,  or  a  committee  designated by the Board,
        --------------
shall  supervise  and  administer  the  Plan and shall have full power to adopt,
amend  and  rescind  any  rules  deemed  desirable  and  appropriate  for  the
administration  of  the Plan and not inconsistent with the Plan, to construe and
interpret  the Plan, and to make all other determinations necessary or advisable
for the administration of the Plan. All such determinations by the Board, or its
designee,  shall  be  final  and  binding  upon  all  persons.

14.     Designation of Beneficiary.
        --------------------------

     (a)     A  Participant may file with the Company a written designation of a
beneficiary  who  is  to receive any cash to his or her credit under the Plan in
the  event  of the Participant's death before an Exercise Date, or any shares of
Common  Stock  and  cash to his or her credit under the Plan in the event of the
Participant's  death  on or after an Exercise Date. A beneficiary may be changed
by  the  Participant  at  any  time  by  notice  in  writing  to  the  Company.

     (b)     Upon  the death of a Participant and upon receipt by the Company of
proof  of the identity and existence at the time of the Participant's death of a
beneficiary  designated  by  the  Participant in accordance with the immediately
preceding subparagraph, the Company shall deliver such shares of Common Stock or
cash,  or  both,  to the beneficiary. In the event a Participant dies and is not
survived  by  a  then  living  or  in existence beneficiary designated by him in
accordance  with  the  immediately  preceding  subparagraph,  the  Company shall
deliver  such  shares  of  Common  Stock  or  cash,  or  both,  to  the personal
representative  of  the estate of the deceased Participant. If, to the knowledge
of the Company, no personal representative has been appointed within ninety (90)
days  following  the  date  of  the  Participant's  death,  the  Company, in its
discretion,  may  deliver  such  shares of Common Stock or cash, or both, to the
surviving  spouse  of the deceased Participant, or to any one or more dependents
or relatives of the deceased Participant, or if no spouse, dependent or relative
is known to the Company, then to such other person as the Company may designate.

     (c)     No  designated  beneficiary  shall,  prior  to  the  death  of  the
Participant by whom the beneficiary has been designated, acquire any interest in
the  shares  of Common Stock or cash credited to the Participant under the Plan.

15.     Transferability.  Neither  Contributions or matching amounts credited to
        ---------------
a  Participant's account nor any rights with regard to the exercise of an option
or  to  receive  shares  of  Common  Stock  under  the  Plan  may  be  assigned,
transferred,  pledged  or  otherwise disposed of in any way (other than by will,
the  laws of descent and distribution, or as otherwise provided in paragraph 14)
by  the  Participant.  Any such attempt at assignment, transfer, pledge or other
disposition  shall be without effect, except that the Company may treat such act
as  an  election  to  withdraw  from  the  Plan in accordance with paragraph 10.

                                        5
<PAGE>
16.     Use of Funds.  All  Contributions  received or held by the Company under
        ------------
the  Plan  may be used by the Company for any corporate purpose, and the Company
shall  not  be  obligated  to  segregate  such  Contributions.

17.     Reports.  Individual accounts will be maintained for each Participant in
        --------
the  Plan.  Statements  of  accounts  will  be  given  to  Participants  no less
frequently  than  quarterly.

18.     Adjustments Upon Changes in Capitalization: Corporate Transactions.
        ------------------------------------------------------------------

     (a)     In  the  event  that  the outstanding shares of Common Stock of the
Company  are hereafter increased or decreased or changed into or exchanged for a
different  number or kind of shares or other securities of the Company by reason
of  a  recapitalization, reclassification, stock split, combination of shares or
dividend  payable  in shares of Common Stock, an appropriate adjustment shall be
made  by the Company to the number and kind of shares available for the granting
of  purchase  opportunities,  or  as to which outstanding purchase opportunities
shall be exercisable. No fractional shares shall be issued or optioned in making
any  such  adjustments. All adjustments made by the Company under this paragraph
shall  be  conclusive.

     (b)     Subject  to any required action by the shareholders, if the Company
shall  be  a  party to any reorganization involving merger or consolidation with
respect  to which the Company will not be the surviving entity or acquisition of
substantially  all  of  the  stock  or assets of the Company, the Company in its
discretion  (i)  may declare the Plan's termination in the same manner as if the
Board  had  terminated  the  Plan  pursuant  to  paragraph 19 below, or (ii) may
declare  that  any  purchase  opportunity granted hereunder shall pertain to and
apply  with  appropriate adjustment as determined by the Board to the securities
of the resulting corporation to which a holder of the number of shares of Common
Stock  subject  to  the  purchase  opportunity  would  have  been  entitled.

     (c)     Any  issue  by  the  Company  of  any  class of preferred stock, or
securities  convertible  into  shares of common or preferred stock of any class,
shall not affect, and no adjustment by reason thereof shall be made with respect
to,  the  number  or  purchase  price  of  shares of Common Stock subject to any
purchase opportunity except as specifically provided otherwise in this paragraph
18. The grant of a purchase opportunity pursuant to the Plan shall not affect in
any  way  the  right  or  power  of  the  Company  to  make  adjustments,
reclassifications,  reorganizations  or  changes  of  its  capital  or  business
structure  or  to  merge or to consolidate or to dissolve, liquidate or sell, or
transfer  all  or  any  part  of  its  business  or  assets.

19.     Amendment or Termination.
        ------------------------

     (a)     The  Board  may  at  any time terminate, suspend or amend the Plan.
Any such termination, suspension or amendment, to the extent the same may affect
options  previously granted, shall either, at the election of the Board, provide
for  the protection of such option rights or shall provide for the return of all
Contributions  which  have  not  then  been applied to the purchase of shares of
Common  Stock.

                                        6
<PAGE>
     (b)     The  Board shall be entitled to change the Offering Periods, permit
payroll withholding in excess of the amount designated by a Participant in order
to  adjust  for  delays  or  mistakes  in  the  Company's processing or properly
completed  withholding  elections,  establish  reasonable waiting and adjustment
periods  and/or  accounting  and  crediting  procedures  to  ensure that amounts
applied  toward  the  purchase  of  Common  Stock  for each Participant properly
correspond  with  amounts  withheld  from  the  Participant's  Compensation, and
establish  such  other  limitations or procedures as the Board determines in its
sole  discretion  advisable  which  are  consistent  with  the  Plan.

20.     Notices.  All  notices  or other  communications by a Participant to the
        -------
Company  under  or in connection with the Plan shall be deemed to have been duly
given  when received in the form specified by the Company at the location, or by
the  person,  designated  by  the  Company  for  the  receipt  thereof.

21.     Conditions Upon Issuance of Shares.  Shares of Common Stock shall not be
        ----------------------------------
issued  with  respect  to  an  option unless the exercise of such option and the
issuance  and  delivery  of  such  shares pursuant thereto shall comply with all
applicable  provisions  of  law,  domestic  or  foreign,  including  without
limitations, the Securities Act of 1933, as amended, the Securities Exchange Act
of  1934,  as amended, the rules and regulations promulgated thereunder, and the
requirements of any stock exchange upon which the shares may then be listed, and
shall be further subject to the approval of counsel for the Company with respect
to  such  compliance.

      As  a  condition  to the issuance of shares of Common Stock in the name of
any  person  under the Plan, the Company may require the person to represent and
warrant  at  the  time  of any such issuance that the shares are being purchased
only for investment and without any present intention to sell or distribute such
shares  if,  in the opinion of counsel for the Company, such a representation is
required  by  any  of  the  aforementioned  applicable  provisions  of  law.

22.     Additional  Restrictions of Rule 16b-3.  The  terms  and  conditions  of
        --------------------------------------
options  granted hereunder to, and the purchase of shares by, persons subject to
the reporting requirements of Section 16 of the Securities Exchange Act of 1934,
as amended, shall comply with the applicable provisions of Rule 16b-3. This Plan
and  the  options  granted  hereunder shall be deemed to contain, and the shares
issued upon exercise thereof shall be subject to, such additional conditions and
restrictions  as  may  be  required  by  Rule  16b-3  to qualify for the maximum
exemption from Section 16 of the Securities Exchange Act of 1934 with respect to
Plan  transactions.

23.     No Contract.  This  Plan  shall  not  be deemed to constitute a contract
        -----------
between  the Company or any Subsidiary and any Employee or to be a consideration
or  an  inducement for the employment of any Employee. Nothing contained in this
Plan  shall  be  deemed  to  give  any  Employee the right to be retained in the
service  of  the Company or any Subsidiary or to interfere with the right of the
Company  or  any  Subsidiary to discharge any Employee at any time regardless of
the  effect  which  such  discharge  shall  have  upon  him  as  a  Participant.

24.     Waiver.  No  liability  whatsoever shall attach to or be incurred by any
        ------
past,  present  or  future  shareholders, officers or directors, as such, of the
Company  or  any  Subsidiary,  under  or  by  reason  of

                                        7
<PAGE>
any  of  the  terms,  conditions or agreements contained in this Plan or implied
therefrom,  and  any  and  all liabilities of, and any and all rights and claims
against,  the Company or any Subsidiary, or any shareholder, officer or director
as  such,  whether  arising  at common law or in equity or created by statute or
constitution  or otherwise, pertaining to this Plan, are hereby expressly waived
and  released  by every Eligible Employee as a part of the consideration for any
benefits  by  the  Company  under  this  Plan.

25.     Securities Law Restrictions.  The Company reserves the right to place an
        ---------------------------
appropriate  legend  on  any  certificate  representing  shares  of Common Stock
issuable  under  the  Plan  with  any such legend reflecting restrictions on the
transfer  of  the  shares  as  may  be  necessary  to assure the availability of
applicable  exemptions  under  federal  and  state  securities  laws.

     IN WITNESS WHEREOF, the Company has caused this Plan to be executed as of
                      , 2002.
----------------------

                                      COMMUNITY CAPITAL BANCSHARES, INC.

                                      By:
                                             ----------------------------------

                                      Title:
                                             ----------------------------------

                                        8
<PAGE>

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