Document:

Exhibit 10.19

                          SALARY CONTINUATION AGREEMENT

     THIS SALARY CONTINUATION AGREEMENT (this "Agreement") is entered into as of
this  13th  day of September, 2004, by and between Community Capital Bancshares,
Inc.,  a  bank  holding company organized under the laws of the State of Georgia
(the  "Company"); Albany Bank & Trust, N.A., a national bank chartered under the
laws  of  the  United  States  of America (the "Bank") (the Company and the Bank
shall  be  referred  to  collectively  as  the  "Employer");  and Robert E. Lee,
President of the Employer (the "Executive").

     WHEREAS,  the Executive has contributed substantially to the success of the
Employer and the Employer desires that the Executive continue in its employ;

     WHEREAS,  to encourage the Executive to remain an employee of the Employer,
the  Employer  is  willing  to  provide  salary  continuation  benefits  to  the
Executive, payable out of the Employer's general assets; and

     WHEREAS,  the parties hereto intend that this Agreement shall be considered
an  unfunded arrangement maintained primarily to provide supplemental retirement
benefits  for the Executive, and shall be considered a plan described in Section
301(a)(3)  of  the  Employee  Retirement Income Security Act of 1974, as amended
("ERISA").

     NOW  THEREFORE,  in  consideration of the foregoing premises and other good
and  valuable  consideration,  the  receipt  and sufficiency of which are hereby
acknowledged, the parties hereto agree as follows.

                                    ARTICLE 1
                                   DEFINITIONS

     Whenever  used  in  this  Agreement,  the following terms have the meanings
specified -

     1.1  "Accrual  Balance"  means  the liability that should be accrued by the
Employer  under  generally  accepted  accounting  principles  ("GAAP")  for  the
Employer's  obligation  to  the  Executive  under  this  Agreement,  by applying
Accounting Principles Board Opinion No. 12, as amended by Statement of Financial
Accounting  Standards  No.  106,  and  the  calculation method and discount rate
specified  hereinafter.  The  Accrual  Balance  shall be calculated based on the
Executive's base salary amount as of the Effective Date projected forward to the
Executive's  Normal  Retirement  Age  with  an  annual  adjustment determined by
reference  to  the  "cost  of living" adjustment commonly used in the commercial
banking  industry.  The  Accrual  Balance  shall  be calculated assuming a level
principal  amount  and interest as the discount rate is accrued each period. The
principal accrual is determined such that when it is credited with interest each
month,  the Accrual Balance at Normal Retirement Age equals the present value of
the normal retirement benefits described in Section 2.1.1(a) and (b). At the end
of  each  Plan  Year,  the  Accrual  Balance  shall  be  adjusted to reflect the
Employer's  obligation  under  Sections  2.1.1(a)  and  (b)  in  terms  of  the
Executive's  actual  base salary for that Plan Year. The discount rate means the
rate  used  by  the  Plan Administrator for determining the Accrual Balance. The
rate  is  based  on  the  yield on a 20-year corporate bond rated Aa by Moody's,
rounded  to  the  nearest  %.  The  initial  discount rate is 6.25%. In its sole
discretion,  the Plan Administrator may adjust the discount rate to maintain the
rate within reasonable standards according to GAAP.

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     1.2  "Beneficiary"  means  each  designated  person,  or  the estate of the
deceased  Executive,  entitled  to  benefits,  if  any,  upon  the  death of the
Executive, determined according to Article 4.

     1.3  "Beneficiary Designation Form" means the form established from time to
time  by the Plan Administrator that the Executive completes, signs, and returns
to the Plan Administrator to designate one or more Beneficiaries.

     1.4  "Change  in  Control"  shall  have  the  same meaning specified in any
severance  or  employment  agreement  existing  on  the date hereof or hereafter
entered  into  between the Executive and the Employer. If the Executive is not a
party  to  a severance or employment agreement containing a definition of Change
in  Control,  Change  in  Control  means any of the following events occur on or
after the Effective Date -

          (a)  the acquisition by any person or persons acting in concert of the
     then  outstanding  voting securities of either the Bank or the Company, if,
     after  the transaction, the acquiring person (or persons) owns, controls or
     holds  with power to vote twenty-five percent (25%) or more of any class of
     voting securities of either the Bank or the Company, as the case may be, or
     such  other  transaction  as  may  be  described  under  12  C.F.R. Section
     225.41(c)(1) or any successor thereto;

          (b)  within  any  twelve-month  period  (beginning  on  or  after  the
     Effective  Date)  the  persons who were directors of either the Bank or the
     Company  immediately  before the beginning of such twelve-month period (the
     "Incumbent  Directors")  shall  cease  to constitute at least a majority of
     such  board of directors; provided that any director who was not a director
     as  of  the  Effective  Date shall be deemed to be an Incumbent Director if
     that  director  was  elected  to  such  board  of  directors  by, or on the
     recommendation of or with the approval of, at least two-thirds (2/3) of the
     directors  who  then qualified as Incumbent Directors; and provided further
     that  no  director whose initial assumption of office is in connection with
     an  actual  or  threatened  election  contest  (relating to the election of
     directors) shall be deemed to be an Incumbent Director;

          (c) the approval by the stockholders of either the Bank or the Company
     of a reorganization, merger or consolidation, with respect to which persons
     who  were  the stockholders of the Bank or the Company, as the case may be,
     immediately  prior  to such reorganization, merger or consolidation do not,
     immediately  thereafter,  own more than fifty percent (50%) of the combined
     voting  power  entitled  to  vote  in  the  election  of  directors  of the
     reorganized,  merged  or  consolidated  company's  then  outstanding voting
     securities; or

          (d) the sale, transfer or assignment of all or substantially all of
     the assets of the Company and its subsidiaries to any third party.

     1.5     "Disability"  means  the  Executive suffers a sickness, accident or
injury  that  is determined by the carrier of any individual or group disability
insurance  policy  covering  the  Executive  to  be  a  disability rendering the
Executive  totally  and permanently disabled, as certified by a physician chosen
by  the  Employer  and  reasonably  acceptable  to  the  Executive.

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     1.6  "Early  Retirement Date" means the date of the Executive's Termination
of  Employment  with  the  Employer  for  reasons  other than death, Disability,
Termination  for Cause, termination under Article 5 of this Agreement, or within
twenty-four  (24)  months  after a Change in Control, provided, however, that an
Early  Retirement  Date  may  only  occur  following  the  later of the date the
Executive  attains  age  sixty-two  (62)  or  the  date  the  Executive has been
continuously employed by the Employer for ten (10) years.

     1.7 "Effective Date" means January 1, 2004.

     1.8  "Final  Average Salary" means the Executive's five-year average annual
salary  at  the  Executive's  Normal  Retirement  Date  based on the Executive's
average  monthly  base  salary  (plus any deferrals of base salary) in the sixty
(60)  month  period  ending  at  the  end  of  the  month immediately before the
Executive attains Normal Retirement Date.

     1.9 "Good Reason" shall have the same meaning specified in any employment
or severance agreement existing on the date hereof or entered into hereafter by
the Executive and the Employer. If the term "Good Reason" or similar term is not
defined in an employment agreement or severance agreement, it means -

          (a)  a  material diminution in Executive's powers, responsibilities or
     duties,

          (b)  a  material  reduction in the Executive's base salary without the
     Executive's consent,

          (c)  relocation of the main office to which the Executive reports on a
     regular  basis, to a location that is more than twenty-five (25) miles from
     the Employer's main office location on the Effective Date, or

          (d)  a  requirement  by  the  Employer  that  the  Executive  travel
     unreasonably more than the amount of travel required of the Executive as of
     the Effective Date in connection with the performance of his duties for the
     Employer.

     1.10 "Normal Retirement Age" means age sixty-five (65).

     1.11 "Normal Retirement Date" means the date of the Executive's Termination
of  Employment  on  or  after the Executive reaches Normal Retirement Age, other
than  a  Termination  of  Employment  due  to  the Executive's death or due to a
Termination for Cause.

     1.12  "Person"  means  an  individual,  corporation,  partnership,  trust,
association, joint venture, pool, syndicate, sole proprietorship, unincorporated
organization or other entity.

     1.13 "Plan Administrator" means the plan administrator described in Article
8.

     1.14  "Plan  Year" means a twelve-month period commencing on January 1, and
ending  on December 31 of each year. The initial Plan Year shall commence on the
Effective  Date  of  this  Agreement and end on December 31 of the year in which
occurs the Effective Date.

     1.15  "Termination  for  Cause"  and "Cause" shall have the same definition
specified  in  any severance or employment agreement existing on the date hereof
or entered into hereafter

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between  the  Executive  and the Employer.  If the Executive is not a party to a
severance  or  employment  agreement  containing a definition of termination for
cause,  "Termination  for  Cause"  and  "Cause"  mean  the  termination  of  the
Executive's  employment  for  any  of  the  following  reasons  -

          (a) the Executive's gross negligence or gross neglect of duties or
     intentional and material failure to perform stated duties after written
     notice thereof, or

          (b) disloyalty or dishonesty by the Executive in the performance of
     his duties, or a breach of the Executive's fiduciary duties for personal
     profit, in any case whether in his capacity as a director or officer, or

          (c) intentional wrongful damage by the Executive to the business or
     property of the Employer or its affiliates, including without limitation
     the reputation of the Employer, which in the judgment of the Employer
     causes material harm to the Employer or affiliates, or

          (d) a willful violation by the Executive of any applicable law or
     significant policy of the Employer or an affiliate that, in the Employer's
     judgment, results in an adverse effect on the Employer or the affiliate,
     regardless of whether the violation leads to criminal prosecution or
     conviction. For purposes of this Agreement, applicable laws include any
     statute, rule, regulatory order, statement of policy, or final
     cease-and-desist order of any governmental agency or body having regulatory
     authority over the Employer, or

          (e) the occurrence of any event that results in the Executive being
     excluded from coverage, or having coverage limited for the Executive as
     compared to other executives of the Employer, under the Employer's blanket
     bond or other fidelity or insurance policy covering its directors,
     officers, or employees, or

          (f)  the  Executive  is  removed from office or permanently prohibited
     from  participating  in  the  conduct of the Employer's affairs by an order
     issued  under  Section  8(e)(4)  or  Section 8(g)(1) of the Federal Deposit
     Insurance Act, 12 U.S.C. 1818(e)(4) or (g)(1), or

          (g)  conviction  of  the Executive for or plea of nolo contendere to a
     felony  or  conviction  of  or  plea  of  nolo  contendere to a misdemeanor
     involving moral turpitude, or the actual incarceration of the Executive for
     forty-five (45) consecutive days or more.

     1.16 "Termination of Employment" with the Employer means that the Executive
shall  have  ceased  to  be  employed by the Employer for any reason whatsoever,
excepting  a  leave  of  absence  approved by the Employer. For purposes of this
Agreement,  if there is a dispute over the employment status of the Executive or
the  date  of termination of the Executive's employment, the Employer shall have
the sole and absolute right to decide the dispute.

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<PAGE>

                                    ARTICLE 2
                                LIFETIME BENEFITS

     2.1 Normal Retirement Benefit. Upon the Executive's Normal Retirement Date,
the Executive shall be eligible to receive the benefit described in this Section
2.1 in lieu of any other benefit under Article 2 of this Agreement.

     2.1.1. Amount  of  Benefit.  The  amount  of  the  annual  benefit shall be
            equal to the sum of (a) plus, to the extent earned, (b).

          (a)  Fixed Benefit. The annual benefit under this Section 2.1(a) is an
     amount  equal  to  fifty  percent  (50%)  of  the Executive's Final Average
     Salary.

          (b)  Performance-Based  Benefit.  For  each  Plan  Year  for which the
     performance  targets established pursuant to Section 2.7 are satisfied, the
     Executive  shall receive a supplemental annual benefit equal to two percent
     (2%)  of  his Final Average Salary, provided, however; that the Executive's
     benefit pursuant to this Subsection (b), in the aggregate, shall not exceed
     twenty  percent (20%) of the Executive's Final Average Salary. At such time
     as the Executive's Final Average Salary becomes known, the Executive agrees
     that  any  benefit  otherwise  earned  by  the Executive by satisfaction of
     performance  targets  in  excess of twenty percent (20%) of the Executive's
     Final Average Salary shall not be payable.

     2.1.2. Payment  of  Benefit.  The  Employer  shall pay the aggregate annual
            benefit described  in  Section 2.1.1 to the Executive over a fifteen
           (15) year period in twelve (12) equal monthly installments payable on
           the first  day  of  each  month,  beginning  with the month after the
           Executive's Normal Retirement Date.

     2.2  Early  Retirement Benefit. Upon the Executive's Early Retirement Date,
the Executive shall be eligible to receive the benefit described in this Section
2.2 in lieu of any other benefit under Article 2 of this Agreement.

     2.2.1. Amount  of  Benefit.  The  annual  benefit under this Section 2.2 is
            an  amount equal to the Accrual Balance earned as of the last day of
            the Plan Year immediately preceding the Executive's Early Retirement
            Date.

     2.2.2. Payment  of  Benefit.  The Employer  shall pay the early retirement
            benefit to  he Executive  over a fifteen (15) year period in twelve
            (12) equal monthly installments  payable  on  the first day of each
            month, beginning with the month after the Executive reaches his
            Normal Retirement Age.

     2.3  Disability Benefit. Upon the Executive's Termination of Employment due
to  a  Disability  before reaching Normal Retirement Age, the Executive shall be
eligible  to  receive  the  benefit described in this Section 2.3 in lieu of any
other benefit under this Agreement.

     2.3.1. Amount  of  Benefit.  The  annual  benefit under this Section 2.3 is
            an  amount equal to the Accrual Balance earned as of the last day of
            the Plan Year

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<PAGE>

            immediately  preceding the  effective  date  of  the  Executive's
            Termination of Employment.

     2.3.2. Payment  of  Benefit.  The  Employer  shall  pay  the  Disability
            benefit to the Executive over a fifteen (15) year period in twelve
            (12) equal monthly installments payable on  the first day of each
            month, beginning  with the month  after  the  Executive's  Normal
            Retirement Age.

     2.4  Change  in Control Benefit. If, within twenty-four (24) months after a
Change in Control, the Employer terminates the Executive's employment other than
for  Cause  or as described in Section 5.2 hereof or if the Executive terminates
employment  for  Good  Reason,  the  Executive  shall be eligible to receive the
benefit described in this Section 2.4 instead of any other benefit under Article
2 of this Agreement.

     2.4.1. Amount  of  Benefit.  The annual  benefit under this Section 2.4 is
            an  amount equal to the Accrual Balance earned as of the last day of
            the Plan  ear  preceding  the  effective  date  of  the  Executive's
            Termination of Employment.

     2.4.2. Payment  of  Benefit.  The  Employer  shall  pay  the  Change  in
            Control benefit under Section 2.4 of this Agreement to the Executive
            in one  lump  sum  within  three  (3)  days  after  the  Executive's
            Termination of Employment.

     2.5 Change in Control Payout of Normal Retirement Benefit, Early Retirement
Benefit,  or  Disability  Benefit  Being  Paid to the Executive at the Time of a
Change  in  Control. If a Change in Control occurs at any time during the period
in  which  the  Executive is receiving payment of the benefit under Section 2.1,
2.2,  or 2.3, the Employer shall pay the remaining benefits due to the Executive
under  the  applicable  section  to  the  Executive in a single lump sum payment
within three (3) days after the Change in Control.

     2.6  Petition  for  Payment  of Normal Retirement Benefit, Early Retirement
Benefit  or  Disability Benefit. If the Executive is entitled to a benefit under
Section  2.1,  Section 2.2, or Section 2.3, the Executive may petition the Board
of  Directors  of  the Employer to have the Accrual Balance determined as of the
date  the Executive becomes entitled to a benefit under Section 2.1, Section 2.2
or  Section  2.3, as applicable, paid to the Executive in a single lump sum. The
Board of Directors of the Employer may, in its sole and absolute discretion, pay
the  Accrual  Balance  to  the  Executive  in  a single lump sum. If the Accrual
Balance  is  paid to the Executive in a single lump sum, the Employer shall have
no further obligations under this Agreement.

     2.7  Performance  Targets.  For purposes of determining the benefit payable
pursuant  to  Section  2.1.1(b),  the  Plan  Administrator,  shall  establish
performance  targets  for  each  Plan  Year  within  ninety  (90) days after the
beginning  of  the  Plan  Year (except for the Plan Year beginning on January 1,
2004  for  which the performance targets shall be established within thirty (30)
days  following the date upon which this Agreement is executed). The performance
targets  for each Plan Year shall be determined by the Plan Administrator in its
sole  discretion  and  shall  be  delivered  to  the  Executive  by  the  Plan
Administrator  in  writing within thirty (30) days after the performance targets
have  been  established.  The performance targets may take into account only the
Employer's performance or the Employer's performance relative to a peer group of
companies, or a combination of both. If a performance target is based on the

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     2.8  Employer's  performance  relative  to  a peer group the Employer shall
provide  the  names  of  the  members  of  the  peer  group  when delivering the
performance  target  to  the  Executive.  The  peer  group  selected by the Plan
Administrator  shall  not  be  changed with respect to a Plan Year except in the
event  of  (a)  changes  in  ownership  or  composition  of  the  corporations
constituting the peer group, or (b) changes in the characteristics of any member
of  the  peer group such that the Plan Administrator determines that such member
is  no  longer  representative of the Employer's peer group of companies. If any
member  of  the  peer group is removed prior to the end of a Plan Year, the Plan
Administrator  may add another peer group corporation during such Plan Year. The
Plan  Administrator  shall  have  the  sole  authority  to determine whether the
performance  targets  are satisfied and the Plan Administrator's decisions shall
be final and binding.

                                    ARTICLE 3
                                 DEATH BENEFITS

     3.1  Death  During  Active Service. If the Executive dies while employed by
the  Employer, instead of any benefits payable under Article 2 of this Agreement
the  Employer shall pay to the Executive's Beneficiary the Accrual Balance as of
the  last day of the Plan Year immediately preceding the date of the Executive's
death.  The  Employer  shall pay the death benefit under this Section 3.1 within
thirty (30) days after the Executive's death.

     3.2  Death  During  Benefit  Period.  If  the  Executive dies after benefit
payments  under  Article  2 of this Agreement commences but before receiving all
such payments, or if the Executive is entitled to benefit payments under Article
2  but  dies  before  payments  commence,  the  benefits shall be payable to the
Executive's  Beneficiary in accordance with the applicable payment provisions of
Article  2,  but payments shall commence on the first day of the month after the
date  of  the Executive's death. Payments shall be made in the same amounts they
would have been made to the Executive had the Executive survived.

                                    ARTICLE 4
                                  BENEFICIARIES

     4.1  Beneficiary  Designations.  The  Executive  shall  have  the  right to
designate  at  any time a Beneficiary to receive any benefits payable under this
Agreement upon the death of the Executive. The Beneficiary designated under this
Agreement may be the same as or different from the beneficiary designation under
any other benefit plan of the Employer in which the Executive participates.

     4.2  Beneficiary  Designation:  Change.  The  Executive  shall  designate a
Beneficiary  by  completing  and  signing  the  Beneficiary Designation Form and
delivering it to the Plan Administrator or its designated agent. The Executive's
Beneficiary designation shall be deemed automatically revoked if the Beneficiary
predeceases  the Executive or if the Executive names a spouse as Beneficiary and
the  marriage  is  subsequently dissolved. The Executive shall have the right to
change  a  Beneficiary  by completing, signing, and otherwise complying with the
terms of the Beneficiary Designation Form and the Plan Administrator's rules and
procedures,  as  in  effect  from  time to time. Upon the acceptance by the Plan
Administrator  of  a  new  Beneficiary  Designation  Form,  all  Beneficiary
designations previously filed shall be cancelled. The Plan

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Administrator shall be entitled to rely on the last Beneficiary Designation Form
filed  by  the  Executive  and  accepted  by  the  Plan Administrator before the
Executive's  death.

     4.3  Acknowledgment.  No  designation  or  change  in  designation  of  a
Beneficiary  shall  be  effective  until  received  in  writing  by  the  Plan
Administrator or its designated agent.

     4.4  No  Beneficiary  Designation.  If  the  Executive dies without a valid
beneficiary  designation,  or  if  all  designated  Beneficiaries predecease the
Executive,  then  the Executive's spouse shall be the designated Beneficiary. If
the  Executive has no surviving spouse, the benefits shall be distributed to the
personal representative of the Executive's estate.

     4.5  Facility  of  Payment. If a benefit is payable to a minor, to a person
declared  incapacitated, or to a person incapable of handling the disposition of
his  or  her  property, the Employer may pay such benefit to the guardian, legal
representative, or person having the care or custody of the minor, incapacitated
person,  or  incapable  person.  The  Employer  may require proof of incapacity,
minority,  or guardianship as it may deem appropriate before distribution of the
benefit. Distribution shall completely discharge the Employer from all liability
for the benefit.

                                    ARTICLE 5
                               GENERAL LIMITATIONS

     5.1  Termination  for  Cause. If the Executive experiences a Termination of
Employment  which  is  a Termination for Cause, notwithstanding any provision of
this  Agreement  to  the contrary, this Agreement and the Employer's obligations
under this Agreement shall terminate as of the effective date of the Termination
for Cause.

     5.2  Removal.  If  the  Executive  is  removed  from  office or permanently
prohibited from participating in the Employer's affairs by an order issued under
Section  8(e)(4)  or  (g)(1)  of  the  Federal  Deposit Insurance Act (12 U.S.C.
1818(e)(4)  or (g)(1)), this Agreement and all obligations of the Employer under
this Agreement shall terminate as of the effective date of the order.

     5.3  Default.  Notwithstanding  any  provision  of  this  Agreement  to the
contrary,  if  the  Employer is in "default" or "in danger of default," as those
terms  are  defined  in  Section  3(x)  of the Federal Deposit Insurance Act (12
U.S.C.  1813(x)), all obligations under this Agreement shall terminate as of the
date such determination is made.

     5.4  FDIC  Open-Bank Assistance. All obligations under this Agreement shall
terminate,  except to the extent determined that continuation of the contract is
necessary  for the continued operation of the Employer, when the Federal Deposit
Insurance  Corporation  enters  into an agreement to provide assistance to or on
behalf  of  the  Employer  under the authority contained in Section 13(c) of the
Federal Deposit Insurance Act (12 U.S.C. 1823(c)).

                                    ARTICLE 6
                          CLAIMS AND REVIEW PROCEDURES

     6.1  Claims  Procedure.  A person or beneficiary (a "claimant") who has not
received  benefits  under  the  Agreement that he or she believes should be paid
shall make a claim for such benefits as follows -

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     6.1.1 Initiation  -  Written  Claim.  The  claimant  initiates  a  claim by
           submitting to the Employer a written claim for the benefits.

     6.1.2 Timing  of  Employer  Response.  The  Employer  shall respond to such
           claimant within  ninety  (90)  days after receiving the claim. If the
           Employer  determines that special circumstances require additional
           time for processing the claim, the Employer can extend the response
           period by an additional ninety (90) days by notifying the claimant in
           writing, prior to the end of the initial ninety (90)-day period, that
           an  additional period  is  required. The notice of extension must set
           forth the  special  circumstances  and the date by which the Employer
           expects to render its decision.

     6.1.3 Notice  of  Decision.  If  the  Employer  denies  part  or all of the
           claim, the  Employer  shall  notify  the  claimant in writing of such
           denial. The  Employer  shall  write  the  notification  in  a  manner
           calculated to  be  understood by the claimant. The notification shall
           set forth:

          6.1.3.1 The specific reasons for the denial,

          6.1.3.2 A  reference  to  the  specific  provisions  of  the Agreement
                  on which the denial is based,

          6.1.3.3 A  description  of  any  additional  information  or  material
                 necessary  for  the  claimant  to  perfect  the  claim  and  an
                 explanation of why it is needed,

          6.1.3.4 An  explanation  of  the  Agreement's  review  procedures  and
                  the time limits applicable to such procedures, and

          6.1.3.5 A  statement  of  the  claimant's  right  to  bring  a  civil
                  action under ERISA section 502(a) following an adverse benefit
                  determination on review.

     6.2  Review Procedure. If the Employer denies part or all of the claim, the
claimant  shall  have the opportunity for a full and fair review by the Employer
of the denial, as follows

     6.2.1 Initiation  -  Written  Request.  To  initiate  the  review,  the
           claimant, within  60  days  after  receiving the Employer's notice of
           denial, must file with the Employer a written request for review.

     6.2.2 Additional  Submissions  -  Information  Access.  The  claimant shall
           then  ave  the  opportunity  to  submit  written comments, documents,
           records and  other  information  relating  to the claim. The Employer
           shall also  provide  the  claimant,  upon request and free of charge,
           reasonable access to, and copies of, all documents, records and other
           information relevant  (as defined in applicable ERISA regulations) to
           the claimant's claim for benefits.

     6.2.3 Considerations  on  Review.  In  considering  the  review,  the
           Employer shall  take  into  account all materials and information the
           claimant submits relating to the claim, without regard to whether
           such information was submitted or considered in the initial benefit
           determination.

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     6.2.4 Timing  of  Employer  Response.  The  Employer  shall  respond  in
           writing to  uch  claimant within sixty (60) days after receiving the
           request  for  review.  If  the  Employer  determines  that  special
           circumstances  require  additional time for processing the claim, the
           Employer can  extend  the response period by an additional sixty (60)
           days by  notifying  the  claimant in writing, prior to the end of the
           initial sixty (60)-day period, that an additional period is required.
           The notice  of extension must set forth the special circumstances and
           the date by which the Employer expects to render its decision.

     6.2.5 Notice  of  Decision.  The  Employer  shall  notify  the  claimant in
           writing of  its  decision  on  review.  The  Employer shall write the
           notification in a manner calculated to be understood by the claimant.
           The notification shall set forth -

          6.2.5.1 The specific reasons for the denial,

          6.2.5.2 A  reference  to  the  specific  provisions  of  the Agreement
                  on which the denial is based,

          6.2.5.3 A  statement  that  the  claimant  is  entitled  to  receive,
                 upon request and free of charge, reasonable access to, and
                 copies of, all documents, records and other information
                 relevant (as defined in applicable ERISA regulations) to the
                 claimant's claim for benefits, and

          6.2.5.4 A  statement  of  the  claimant's  right  to  bring  a  civil
                  action under ERISA Section 502(a).

                                    ARTICLE 7
                                  MISCELLANEOUS

     7.1  Amendments and Termination. Subject to Section 7.13 of this Agreement,
(a)  this  Agreement  may be amended solely by a written agreement signed by the
Employer  and  by  the Executive, and (b) except for termination occurring under
Article 5, this Agreement may be terminated solely by a written agreement signed
by the Employer and by the Executive.

     7.2  Binding  Effect.  This  Agreement  shall  bind  the  Executive and the
Employer  and  their  beneficiaries,  survivors,  executors,  successors,
administrators, and transferees.

     7.3  No Guarantee of Employment. This Agreement is not an employment policy
or  contract.  It does not give the Executive the right to remain an employee of
the  Employer,  nor does it interfere with the Employer's right to discharge the
Executive.  It  also  does  not  require the Executive to remain an employee nor
interfere with the Executive's right to terminate employment at any time.

     7.4  Non-Transferability.  Benefits  under  this  Agreement cannot be sold,
transferred, assigned, pledged, attached, or encumbered in any manner.

                                       10
<PAGE>

     7.5  Tax  Withholding.  The  Employer  shall  withhold  any  taxes that are
required to be withheld from the benefits provided under this Agreement.

     7.6  Applicable  Law.  Except  to  the  extent preempted by the laws of the
United  States  of  America,  the  validity,  interpretation,  construction, and
performance  of  this Agreement shall be governed by and construed in accordance
with  the  laws of the State of Georgia, without giving effect to the principles
of conflict of laws of such state.

     7.7 Unfunded Arrangement. The Executive and the Executive's Beneficiary are
general  unsecured  creditors  of the Employer for the payment of benefits under
this  Agreement.  The benefits represent the mere promise by the Employer to pay
such  benefits.  The  rights  to  benefits  are  not  subject  in  any manner to
anticipation,  alienation,  sale,  transfer,  assignment,  pledge,  encumbrance,
attachment,  or  garnishment by creditors. Any insurance on the Executive's life
is  a  general asset of the Employer to which the Executive and Beneficiary have
no preferred or secured claim.

     7.8  Severability. If any provision of this Agreement is held invalid, such
invalidity shall not affect any other provision of this Agreement, and each such
other  provision  shall  continue  in  full  force and effect to the full extent
consistent with law. If any provision of this Agreement is held invalid in part,
such  invalidity  shall  not  affect  the  remainder  of  the provision, and the
remainder of such provision together with all other provisions of this Agreement
shall continue in full force and effect to the full extent consistent with law.

     7.9  Headings.  The  headings  of  sections  herein are included solely for
convenience  of  reference and shall not affect the meaning or interpretation of
any provision of this Agreement.

     7.10  Notices.  All  notices,  requests,  demands, and other communications
hereunder  shall  be  in  writing and shall be deemed to have been duly given if
delivered  by  hand  or  mailed,  certified  or  registered mail, return receipt
requested,  with  postage  prepaid.  Unless  otherwise changed by notice, notice
shall  be properly addressed to the Executive if addressed to the address of the
Executive  on  the books and records of the Employer at the time of the delivery
of such notice, and properly addressed to the Employer if addressed to the Board
of  Directors,  Albany Bank & Trust and Community Capital Bancshares, Inc., 2815
Meredyth Drive, Albany, Georgia 31707.

     7.11  Entire  Agreement.  This  Agreement  constitutes the entire agreement
between  the Employer and the Executive concerning the subject matter hereof. No
rights  are  granted  to  the  Executive  under  this Agreement other than those
specifically set forth herein.

     7.12  Payment  of  Legal  Fees.  In the event litigation ensues between the
parties  concerning the enforcement of the obligations of the parties under this
Agreement, the Employer shall pay all costs and expenses in connection with such
litigation  until  such time as a final determination (excluding any appeals) is
made with respect to the litigation. If the Employer prevails on the substantive
merits  of  the  each material claim in dispute in such litigation, the Employer
shall  be  entitled  to  receive  from  the  Executive  all reasonable costs and
expenses, including without limitation attorneys' fees, incurred by the Employer
on behalf of the Executive in connection with such litigation, and the Executive
shall  pay  such  costs and expenses to the Employer promptly upon demand by the
Employer.

                                       11
<PAGE>

     7.13  Termination  or  Modification of Agreement Because of Changes in Law,
Rules  or  Regulations.  The  Employer  is  entering  into this Agreement on the
assumption  that certain existing tax laws, rules, and regulations will continue
in  effect  in their current form. If that assumption materially changes and the
change  has  a  material detrimental effect on this Agreement, then the Employer
reserves the right to terminate or modify this Agreement accordingly, subject to
the  written consent of the Executive, which shall not be unreasonably withheld.
This  Section  7.13 shall become null and void effective immediately if a Change
in Control occurs.

                                    ARTICLE 8
                           ADMINISTRATION OF AGREEMENT

     8.1  Plan  Administrator  Duties. This Agreement shall be administered by a
Plan  Administrator consisting of the Board of Directors of the Employer or such
committee  or person(s) as the Board of Directors of the Employer shall appoint.
In accordance with the rules applicable for companies listed on the Nasdaq Stock
Market  and  the Employer's corporate governance procedures, the Executive shall
not  serve  as  a member of the Plan Administrator. The Plan Administrator shall
also  have  the  discretion  and  authority  to  (a) make, amend, interpret, and
enforce  all  appropriate  rules  and regulations for the administration of this
Agreement  and  (b)  decide  or  resolve  any  and  all  questions,  including
interpretations  of  this  Agreement,  as  may  arise  in  connection  with  the
Agreement.

     8.2 Agents. In the administration of this Agreement, the Plan Administrator
may employ agents and delegate to them such administrative duties as it sees fit
(including  acting through a duly appointed representative) and may from time to
time consult with counsel, who may be counsel to the Employer.

     8.3  Binding  Effect  of  Decisions.  The  decision  or  action of the Plan
Administrator  with respect to any question arising out of or in connection with
the  administration,  interpretation,  and  application of the Agreement and the
rules  and  regulations  promulgated hereunder shall be final and conclusive and
binding  upon  all persons having any interest in the Agreement. No Executive or
Beneficiary  shall  be  deemed to have any right, vested or nonvested, regarding
the  continued  use  of  any  previously  adopted assumptions, including but not
limited to the discount rate and calculation method described in Section 1.1.

     8.4  Indemnity  of  Plan Administrator. The Plan Administrator shall not be
liable  to  any  person  for  any action taken or omitted in connection with the
interpretation  and  administration  of  this  Agreement,  unless such action or
omission  is attributable to the willful misconduct of the Plan Administrator or
any  of  its members. The Employer shall indemnify and hold harmless the members
of the Plan Administrator against any and all claims, losses, damages, expenses,
or  liabilities  arising  from any action or failure to act with respect to this
Agreement, except in the case of willful misconduct by the Plan Administrator or
any of its members.

     8.5  Employer  Information. To enable the Plan Administrator to perform its
functions,  the  Employer  shall  supply full and timely information to the Plan
Administrator  on  all  matters  relating  to  the date and circumstances of the
retirement, Disability, death, or Termination of Employment of the Executive and
such  other  pertinent  information  as  the  Plan  Administrator may reasonably
require.

                                       12
<PAGE>

     IN  WITNESS  WHEREOF,  the  Executive  and a duly authorized officer of the
Company  and  the  Bank  have signed this Agreement as of the date first written
above.

THE EXECUTIVE:                          THE BANK: ALBANY BANK & TRUST

/s/ Robert E. Lee                       By: /s/ Charles M. Jones, III
--------------------                        ---------------------------
Robert  E.  Lee
                                        Its: Chairman
                                             --------------------------

                                       13
<PAGE>

                             BENEFICIARY DESIGNATION
                          SALARY CONTINUATION AGREEMENT

     I,  Robert  E.  Lee,  designate  the  following as beneficiary of any death
benefits  under  this  Salary  Continuation  Agreement  -

     Primary:     Rebecca T. Lee
                  --------------------------------------------------------------
----------------------------------------------------------------------------.

     Contingent:     Frank Z. Lee and Amy H. Lee
                     -----------------------------------------------------------
-------------------------------------------------------------------------------.

     NOTE: TO NAME A TRUST AS BENEFICIARY, PLEASE PROVIDE THE NAME OF THE
TRUSTEE(S) AND THE EXACT NAME AND DATE OF THE TRUST AGREEMENT.

     I understand that I may change these beneficiary designations by filing a
new written designation with the Employer. I further understand that the
designations will be automatically revoked if the beneficiary predeceases me, or
if I have named my spouse as beneficiary and our marriage is subsequently
dissolved.

     Signature:     /s/ Robert E. Lee
                    --------------------
                    Robert E. Lee

     Date:          September 13, 2004
                    ---------------------

     Accepted by the Employer this 13th day of September, 2004.

     By:     /s/ LaDonna J. Urick
             -----------------------

Print Name:      LaDonna J. Urick
                --------------------

Title:          HR Director
                ------------

                                       14Exhibit 10.20

                          SALARY CONTINUATION AGREEMENT

     THIS SALARY CONTINUATION AGREEMENT (this "Agreement") is entered into as of
this  13th  day of September, 2004, by and between Community Capital Bancshares,
Inc.,  a  bank  holding company organized under the laws of the State of Georgia
(the  "Company"); Albany Bank & Trust, N.A., a national bank chartered under the
laws  of  the  United  States  of America (the "Bank") (the Company and the Bank
shall  be  referred to collectively as the "Employer"); and Paul E. Joiner, Jr.,
Chief Credit Officer of the Employer (the "Executive").

     WHEREAS,  the Executive has contributed substantially to the success of the
Employer and the Employer desires that the Executive continue in its employ;

     WHEREAS,  to encourage the Executive to remain an employee of the Employer,
the  Employer  is  willing  to  provide  salary  continuation  benefits  to  the
Executive, payable out of the Employer's general assets; and

     WHEREAS,  the parties hereto intend that this Agreement shall be considered
an  unfunded arrangement maintained primarily to provide supplemental retirement
benefits  for the Executive, and shall be considered a plan described in Section
301(a)(3)  of  the  Employee  Retirement Income Security Act of 1974, as amended
("ERISA").

     NOW  THEREFORE,  in  consideration of the foregoing premises and other good
and  valuable  consideration,  the  receipt  and sufficiency of which are hereby
acknowledged, the parties hereto agree as follows.

                                    ARTICLE 1
                                   DEFINITIONS

     Whenever  used  in  this  Agreement,  the following terms have the meanings
specified -

     1.1  "Accrual  Balance"  means  the liability that should be accrued by the
Employer  under  generally  accepted  accounting  principles  ("GAAP")  for  the
Employer's  obligation  to  the  Executive  under  this  Agreement,  by applying
Accounting Principles Board Opinion No. 12, as amended by Statement of Financial
Accounting  Standards  No.  106,  and  the  calculation method and discount rate
specified  hereinafter.  The  Accrual  Balance  shall be calculated based on the
Executive's base salary amount as of the Effective Date projected forward to the
Executive's  Normal  Retirement  Age  with  an  annual  adjustment determined by
reference  to  the  "cost  of living" adjustment commonly used in the commercial
banking  industry.  The  Accrual  Balance  shall  be calculated assuming a level
principal  amount  and interest as the discount rate is accrued each period. The
principal accrual is determined such that when it is credited with interest each
month,  the Accrual Balance at Normal Retirement Age equals the present value of
the normal retirement benefits described in Section 2.1.1(a) and (b). At the end
of  each  Plan  Year,  the  Accrual  Balance  shall  be  adjusted to reflect the
Employer's  obligation  under  Sections  2.1.1(a)  and  (b)  in  terms  of  the
Executive's  actual  base salary for that Plan Year. The discount rate means the
rate  used  by  the  Plan Administrator for determining the Accrual Balance. The
rate  is  based  on  the  yield on a 20-year corporate bond rated Aa by Moody's,
rounded  to  the  nearest  %.  The  initial  discount rate is 6.25%. In its sole
discretion,  the Plan Administrator may adjust the discount rate to maintain the
rate within reasonable standards according to GAAP.

<PAGE>

     1.2  "Beneficiary"  means  each  designated  person,  or  the estate of the
deceased  Executive,  entitled  to  benefits,  if  any,  upon  the  death of the
Executive, determined according to Article 4.

     1.3  "Beneficiary Designation Form" means the form established from time to
time  by the Plan Administrator that the Executive completes, signs, and returns
to the Plan Administrator to designate one or more Beneficiaries.

     1.4  "Change  in  Control"  shall  have  the  same meaning specified in any
severance  or  employment  agreement  existing  on  the date hereof or hereafter
entered  into  between the Executive and the Employer. If the Executive is not a
party  to  a severance or employment agreement containing a definition of Change
in  Control,  Change  in  Control  means any of the following events occur on or
after the Effective Date -

          (a)  the acquisition by any person or persons acting in concert of the
     then  outstanding  voting securities of either the Bank or the Company, if,
     after  the transaction, the acquiring person (or persons) owns, controls or
     holds  with power to vote twenty-five percent (25%) or more of any class of
     voting securities of either the Bank or the Company, as the case may be, or
     such  other  transaction  as  may  be  described  under  12  C.F.R. Section
     225.41(c)(1) or any successor thereto;

          (b)  within  any  twelve-month  period  (beginning  on  or  after  the
     Effective  Date)  the  persons who were directors of either the Bank or the
     Company  immediately  before the beginning of such twelve-month period (the
     "Incumbent  Directors")  shall  cease  to constitute at least a majority of
     such  board of directors; provided that any director who was not a director
     as  of  the  Effective  Date shall be deemed to be an Incumbent Director if
     that  director  was  elected  to  such  board  of  directors  by, or on the
     recommendation of or with the approval of, at least two-thirds (2/3) of the
     directors  who  then qualified as Incumbent Directors; and provided further
     that  no  director whose initial assumption of office is in connection with
     an  actual  or  threatened  election  contest  (relating to the election of
     directors) shall be deemed to be an Incumbent Director;

          (c) the approval by the stockholders of either the Bank or the Company
     of a reorganization, merger or consolidation, with respect to which persons
     who  were  the stockholders of the Bank or the Company, as the case may be,
     immediately  prior  to such reorganization, merger or consolidation do not,
     immediately  thereafter,  own more than fifty percent (50%) of the combined
     voting  power  entitled  to  vote  in  the  election  of  directors  of the
     reorganized,  merged  or  consolidated  company's  then  outstanding voting
     securities; or

          (d)  the  sale,  transfer or assignment of all or substantially all of
     the assets of the Company and its subsidiaries to any third party.

     1.5 "Disability" means the Executive suffers a sickness, accident or injury
that  is  determined  by  the  carrier  of  any  individual  or group disability
insurance  policy  covering  the  Executive  to  be  a  disability rendering the
Executive  totally  and permanently disabled, as certified by a physician chosen
by the Employer and reasonably acceptable to the Executive.

                                        2
<PAGE>

     1.6  "Early  Retirement Date" means the date of the Executive's Termination
of  Employment  with  the  Employer  for  reasons  other than death, Disability,
Termination  for Cause, termination under Article 5 of this Agreement, or within
twenty-four  (24)  months  after a Change in Control, provided, however, that an
Early  Retirement  Date  may  only  occur  following  the  later of the date the
Executive  attains  age  sixty-two  (62)  or  the  date  the  Executive has been
continuously employed by the Employer for ten (10) years.

     1.7 "Effective Date" means January 1, 2004.

     1.8  "Final  Average Salary" means the Executive's five-year average annual
salary  at  the  Executive's  Normal  Retirement  Date  based on the Executive's
average  monthly  base  salary  (plus any deferrals of base salary) in the sixty
(60)  month  period  ending  at  the  end  of  the  month immediately before the
Executive attains Normal Retirement Date.

     1.9  "Good  Reason" shall have the same meaning specified in any employment
or  severance agreement existing on the date hereof or entered into hereafter by
the Executive and the Employer. If the term "Good Reason" or similar term is not
defined in an employment agreement or severance agreement, it means -

          (a)  a  material diminution in Executive's powers, responsibilities or
     duties,

          (b)  a  material  reduction in the Executive's base salary without the
     Executive's consent,

          (c)  relocation of the main office to which the Executive reports on a
     regular  basis, to a location that is more than twenty-five (25) miles from
     the Employer's main office location on the Effective Date, or

          (d)  a  requirement  by  the  Employer  that  the  Executive  travel
     unreasonably more than the amount of travel required of the Executive as of
     the Effective Date in connection with the performance of his duties for the
     Employer.

     1.10 "Normal Retirement Age" means age sixty-five (65).

     1.11 "Normal Retirement Date" means the date of the Executive's Termination
of  Employment  on  or  after the Executive reaches Normal Retirement Age, other
than  a  Termination  of  Employment  due  to  the Executive's death or due to a
Termination for Cause.

     1.12  "Person"  means  an  individual,  corporation,  partnership,  trust,
association, joint venture, pool, syndicate, sole proprietorship, unincorporated
organization or other entity.

     1.13 "Plan Administrator" means the plan administrator described in Article
8.

     1.14  "Plan  Year" means a twelve-month period commencing on January 1, and
ending  on December 31 of each year. The initial Plan Year shall commence on the
Effective  Date  of  this  Agreement and end on December 31 of the year in which
occurs the Effective Date.

     1.15  "Termination  for  Cause"  and "Cause" shall have the same definition
specified  in  any severance or employment agreement existing on the date hereof
or entered into hereafter

                                        3
<PAGE>
between  the  Executive  and the Employer.  If the Executive is not a party to a
severance  or  employment  agreement  containing a definition of termination for
cause,  "Termination  for  Cause"  and  "Cause"  mean  the  termination  of  the
Executive's  employment  for  any  of  the  following  reasons  -

          (a)  the  Executive's  gross  negligence or gross neglect of duties or
     intentional  and  material  failure  to perform stated duties after written
     notice thereof, or

          (b)  disloyalty  or  dishonesty by the Executive in the performance of
     his  duties,  or  a breach of the Executive's fiduciary duties for personal
     profit, in any case whether in his capacity as a director or officer, or

          (c)  intentional  wrongful  damage by the Executive to the business or
     property  of  the  Employer or its affiliates, including without limitation
     the  reputation  of  the  Employer,  which  in the judgment of the Employer
     causes material harm to the Employer or affiliates, or

          (d)  a  willful  violation  by  the Executive of any applicable law or
     significant  policy of the Employer or an affiliate that, in the Employer's
     judgment,  results  in  an adverse effect on the Employer or the affiliate,
     regardless  of  whether  the  violation  leads  to  criminal prosecution or
     conviction.  For  purposes  of  this Agreement, applicable laws include any
     statute,  rule,  regulatory  order,  statement  of  policy,  or  final
     cease-and-desist order of any governmental agency or body having regulatory
     authority over the Employer, or

          (e)  the  occurrence  of any event that results in the Executive being
     excluded  from  coverage,  or  having coverage limited for the Executive as
     compared  to other executives of the Employer, under the Employer's blanket
     bond  or  other  fidelity  or  insurance  policy  covering  its  directors,
     officers, or employees, or

          (f)  the  Executive  is  removed from office or permanently prohibited
     from  participating  in  the  conduct of the Employer's affairs by an order
     issued  under  Section  8(e)(4)  or  Section 8(g)(1) of the Federal Deposit
     Insurance Act, 12 U.S.C. 1818(e)(4) or (g)(1), or

          (g)  conviction  of  the Executive for or plea of nolo contendere to a
     felony  or  conviction  of  or  plea  of  nolo  contendere to a misdemeanor
     involving moral turpitude, or the actual incarceration of the Executive for
     forty-five (45) consecutive days or more.

     1.16 "Termination of Employment" with the Employer means that the Executive
shall  have  ceased  to  be  employed by the Employer for any reason whatsoever,
excepting  a  leave  of  absence  approved by the Employer. For purposes of this
Agreement,  if there is a dispute over the employment status of the Executive or
the  date  of termination of the Executive's employment, the Employer shall have
the sole and absolute right to decide the dispute.

                                        4
<PAGE>

                                    ARTICLE 2
                                LIFETIME BENEFITS

     2.1 Normal Retirement Benefit. Upon the Executive's Normal Retirement Date,
the Executive shall be eligible to receive the benefit described in this Section
2.1 in lieu of any other benefit under Article 2 of this Agreement.

     2.1.1. Amount  of  Benefit.  The  amount  of  the  annual  benefit shall be
            equal to the sum of (a) plus, to the extent earned, (b).

          (a)  Fixed  Benefit.  The  annual  benefit  under  this Section 2.1(a)
               is  an  amount  equal  to  forty percent (40%) of the Executive's
               Final Average Salary.

          (b)  Performance-Based  Benefit.  For  each  Plan  Year  for which the
               performance  targets  established  pursuant  to  Section  2.7 are
               satisfied,  the  Executive  shall  receive  a supplemental annual
               benefit  equal  to  two percent (2%) of his Final Average Salary,
               provided,  however; that the Executive's benefit pursuant to this
               Subsection (b), in the aggregate, shall not exceed twenty percent
               (20%)  of  the  Executive's Final Average Salary. At such time as
               the Executive's Final Average Salary becomes known, the Executive
               agrees  that  any  benefit  otherwise  earned by the Executive by
               satisfaction  of  performance targets in excess of twenty percent
               (20%)  of  the  Executive's  Final  Average  Salary  shall not be
               payable.

     2.1.2. Payment  of  Benefit.  The  Employer  shall pay the aggregate annual
            benefit described in  Section  2.1.1 to the Executive over a fifteen
            (15) year  period in twelve (12) equal monthly installments  payable
            on the first day of each  month, beginning  with the month after the
            Executive's Normal Retirement Date.

     2.2  Early  Retirement Benefit. Upon the Executive's Early Retirement Date,
the Executive shall be eligible to receive the benefit described in this Section
2.2 in lieu of any other benefit under Article 2 of this Agreement.

     2.2.1. Amount  of  Benefit.  The  annual  benefit under this Section 2.2 is
            an amount equal  to the Accrual Balance earned as of the last day of
            the Plan  ear immediately preceding the Executive's Early Retirement
            Date.

     2.2.2. Payment  of  Benefit.  The  Employer  shall pay the early retirement
            benefit to the  Executive  over a fifteen (15) year period in twelve
           (12) equal  monthly  installments  payable  on  the first day of each
            month, beginning with  the month  after the  Executive  reaches  his
            Normal Retirement Age.

     2.3  Disability Benefit. Upon the Executive's Termination of Employment due
to  a  Disability  before reaching Normal Retirement Age, the Executive shall be
eligible  to  receive  the  benefit described in this Section 2.3 in lieu of any
other benefit under this Agreement.

     2.3.1. Amount  of  Benefit.  The  annual  benefit under this Section 2.3 is
            an amount equal  to the Accrual Balance earned as of the last day of
            the Plan Year

                                        5
<PAGE>

            immediately  preceding  the  effective  date  of  the Executive's
            Termination of Employment.

     2.3.2. Payment  of  Benefit.  The  Employer  shall  pay  the  Disability
            benefit to the  Executive  over a fifteen (15) year period in twelve
            (12) eqal monthly  installments  payable  on  the first day of each
            month,  beginning  with  the  month  after  the  Executive's  Normal
           Retirement Age.

     2.4  Change  in Control Benefit. If, within twenty-four (24) months after a
Change in Control, the Employer terminates the Executive's employment other than
for  Cause  or as described in Section 5.2 hereof or if the Executive terminates
employment  for  Good  Reason,  the  Executive  shall be eligible to receive the
benefit described in this Section 2.4 instead of any other benefit under Article
2 of this Agreement.

     2.4.1. Amount  of  Benefit.  The  annual  benefit under this Section 2.4 is
            an amount equal  to the Accrual Balance earned as of the last day of
            the Plan  Year preceding  the  effective  date  of  the  Executive's
            T rmination of Employment.

     2.4.2. Payment  of  Benefit.  The  Employer  shall  pay  the  Change  in
            Control benefit under Section 2.4 of this Agreement to the Executive
            in one  lump  sum  within  three  (3)  days  after  the  Executive's
            Termination of Employment.

     2.5 Change in Control Payout of Normal Retirement Benefit, Early Retirement
Benefit,  or  Disability  Benefit  Being  Paid to the Executive at the Time of a
Change  in  Control. If a Change in Control occurs at any time during the period
in  which  the  Executive is receiving payment of the benefit under Section 2.1,
2.2,  or 2.3, the Employer shall pay the remaining benefits due to the Executive
under  the  applicable  section  to  the  Executive in a single lump sum payment
within three (3) days after the Change in Control.

     2.6  Petition  for  Payment  of Normal Retirement Benefit, Early Retirement
Benefit  or  Disability Benefit. If the Executive is entitled to a benefit under
Section  2.1,  Section 2.2, or Section 2.3, the Executive may petition the Board
of  Directors  of  the Employer to have the Accrual Balance determined as of the
date  the Executive becomes entitled to a benefit under Section 2.1, Section 2.2
or  Section  2.3, as applicable, paid to the Executive in a single lump sum. The
Board of Directors of the Employer may, in its sole and absolute discretion, pay
the  Accrual  Balance  to  the  Executive  in  a single lump sum. If the Accrual
Balance  is  paid to the Executive in a single lump sum, the Employer shall have
no further obligations under this Agreement.

     2.7  Performance  Targets.  For purposes of determining the benefit payable
pursuant  to  Section  2.1.1(b),  the  Plan  Administrator,  shall  establish
performance  targets  for  each  Plan  Year  within  ninety  (90) days after the
beginning  of  the  Plan  Year (except for the Plan Year beginning on January 1,
2004  for  which the performance targets shall be established within thirty (30)
days  following the date upon which this Agreement is executed). The performance
targets  for each Plan Year shall be determined by the Plan Administrator in its
sole  discretion  and  shall  be  delivered  to  the  Executive  by  the  Plan
Administrator  in  writing within thirty (30) days after the performance targets
have  been  established.  The performance targets may take into account only the
Employer's performance or the Employer's performance relative to a peer group of
companies, or a combination of both. If a performance target is based on the

                                        6
<PAGE>
Employer's  performance  relative to a peer group the Employer shall provide the
names of the members of the peer group when delivering the performance target to
the  Executive.  The  peer group selected by the Plan Administrator shall not be
changed  with  respect  to  a  Plan  Year  except in the event of (a) changes in
ownership or composition of the corporations constituting the peer group, or (b)
changes  in  the  characteristics  of any member of the peer group such that the
Plan  Administrator  determines  that such member is no longer representative of
the  Employer's  peer  group  of  companies.  If any member of the peer group is
removed  prior to the end of a Plan Year, the Plan Administrator may add another
peer group corporation during such Plan Year.  The Plan Administrator shall have
the  sole  authority  to determine whether the performance targets are satisfied
and  the  Plan  Administrator's  decisions  shall  be  final  and  binding.

                                    ARTICLE 3
                                 DEATH BENEFITS

     3.1  Death  During  Active Service. If the Executive dies while employed by
the  Employer, instead of any benefits payable under Article 2 of this Agreement
the  Employer shall pay to the Executive's Beneficiary the Accrual Balance as of
the  last day of the Plan Year immediately preceding the date of the Executive's
death.  The  Employer  shall pay the death benefit under this Section 3.1 within
thirty (30) days after the Executive's death.

     3.2  Death  During  Benefit  Period.  If  the  Executive dies after benefit
payments  under  Article  2 of this Agreement commences but before receiving all
such payments, or if the Executive is entitled to benefit payments under Article
2  but  dies  before  payments  commence,  the  benefits shall be payable to the
Executive's  Beneficiary in accordance with the applicable payment provisions of
Article  2,  but payments shall commence on the first day of the month after the
date  of  the Executive's death. Payments shall be made in the same amounts they
would have been made to the Executive had the Executive survived.

                                    ARTICLE 4
                                  BENEFICIARIES

     4.1  Beneficiary  Designations.  The  Executive  shall  have  the  right to
designate  at  any time a Beneficiary to receive any benefits payable under this
Agreement upon the death of the Executive. The Beneficiary designated under this
Agreement may be the same as or different from the beneficiary designation under
any other benefit plan of the Employer in which the Executive participates.

     4.2  Beneficiary  Designation:  Change.  The  Executive  shall  designate a
Beneficiary  by  completing  and  signing  the  Beneficiary Designation Form and
delivering it to the Plan Administrator or its designated agent. The Executive's
Beneficiary designation shall be deemed automatically revoked if the Beneficiary
predeceases  the Executive or if the Executive names a spouse as Beneficiary and
the  marriage  is  subsequently dissolved. The Executive shall have the right to
change  a  Beneficiary  by completing, signing, and otherwise complying with the
terms of the Beneficiary Designation Form and the Plan Administrator's rules and
procedures,  as  in  effect  from  time to time. Upon the acceptance by the Plan
Administrator  of  a  new  Beneficiary  Designation  Form,  all  Beneficiary
designations previously filed shall be cancelled. The Plan

                                        7
<PAGE>
Administrator shall be entitled to rely on the last Beneficiary Designation Form
filed  by  the  Executive  and  accepted  by  the  Plan Administrator before the
Executive's  death.

     4.3  Acknowledgment.  No  designation  or  change  in  designation  of  a
Beneficiary  shall  be  effective  until  received  in  writing  by  the  Plan
Administrator or its designated agent.

     4.4  No  Beneficiary  Designation.  If  the  Executive dies without a valid
beneficiary  designation,  or  if  all  designated  Beneficiaries predecease the
Executive,  then  the Executive's spouse shall be the designated Beneficiary. If
the  Executive has no surviving spouse, the benefits shall be distributed to the
personal representative of the Executive's estate.

     4.5  Facility  of  Payment. If a benefit is payable to a minor, to a person
declared  incapacitated, or to a person incapable of handling the disposition of
his  or  her  property, the Employer may pay such benefit to the guardian, legal
representative, or person having the care or custody of the minor, incapacitated
person,  or  incapable  person.  The  Employer  may require proof of incapacity,
minority,  or guardianship as it may deem appropriate before distribution of the
benefit. Distribution shall completely discharge the Employer from all liability
for the benefit.

                                    ARTICLE 5
                               GENERAL LIMITATIONS

     5.1  Termination  for  Cause. If the Executive experiences a Termination of
Employment  which  is  a Termination for Cause, notwithstanding any provision of
this  Agreement  to  the contrary, this Agreement and the Employer's obligations
under this Agreement shall terminate as of the effective date of the Termination
for Cause.

     5.2  Removal.  If  the  Executive  is  removed  from  office or permanently
prohibited from participating in the Employer's affairs by an order issued under
Section  8(e)(4)  or  (g)(1)  of  the  Federal  Deposit Insurance Act (12 U.S.C.
1818(e)(4)  or (g)(1)), this Agreement and all obligations of the Employer under
this Agreement shall terminate as of the effective date of the order.

     5.3  Default.  Notwithstanding  any  provision  of  this  Agreement  to the
contrary,  if  the  Employer is in "default" or "in danger of default," as those
terms  are  defined  in  Section  3(x)  of the Federal Deposit Insurance Act (12
U.S.C.  1813(x)), all obligations under this Agreement shall terminate as of the
date such determination is made.

     5.4  FDIC  Open-Bank Assistance. All obligations under this Agreement shall
terminate,  except to the extent determined that continuation of the contract is
necessary  for the continued operation of the Employer, when the Federal Deposit
Insurance  Corporation  enters  into an agreement to provide assistance to or on
behalf  of  the  Employer  under the authority contained in Section 13(c) of the
Federal Deposit Insurance Act (12 U.S.C. 1823(c)).

                                    ARTICLE 6
                          CLAIMS AND REVIEW PROCEDURES

     6.1  Claims  Procedure.  A person or beneficiary (a "claimant") who has not
received  benefits  under  the  Agreement that he or she believes should be paid
shall make a claim for such benefits as follows -

                                        8
<PAGE>

     6.1.1 Initiation  -  Written  Claim.  The  claimant  initiates  a  claim by
           submitting to the Employer a written claim for the benefits.

     6.1.2 Timing of  Employer  Response.  The  Employer  shall respond to such
           claimant within  ninety  90)  days after receiving the claim. If the
           Employer  determines that  special circumstances  require additional
           time for processing the claim, the Employer can extend  the response
           period  by  an  additional  ninety  (90)  days  by   notifying   the
           claimant  in  writing, prior  to  the  end of  the  initial   ninety
           (90)-day period, thatan additional  period  is  required. The notice
           of extension must set forth the  special  circumstances  nd the date
           by which the Employer expects to render its decision.

     6.1.3 Notice  of  Decision.  If  the  Employer  denies  part  or all of the
           claim, the  Employer  shall  notify  the  claimant in writing of such
           denial.  The Employer  shall  write  the  notification  in  a  manner
           calculated  to be  understood by the claimant. The notification shall
           set forth:

          6.1.3.1 The specific reasons for the denial,

          6.1.3.2 A  reference  to  the  specific  provisions  of  the Agreement
                  on which the denial is based,

          6.1.3.3 A  description  of  any  additional  information  or  material
                  necessary for  the  claimant  o  perfect  the claim  and  an
                  explanation of why it is needed,

          6.1.3.4 An  explanation  of  the  Agreement's  review  procedures  and
                  the time limits applicable to such procedures, and

          6.1.3.5 A  statement  of  the  claimant's  right  to  bring  a  civil
                  action  nder ERISA section 502(a) following an adverse benefit
                  determination on review.

     6.2 Review Procedure. If the Employer denies part or all of the claim, the
claimant shall have the opportunity for a full and fair review by the Employer
of the denial, as follows

     6.2.1 Initiation  -  Written  Request.  To  initiate  the  review,  the
           claimant, within  60  days  after receiving the Employer's notice of
           denial, must file with the Employer a written request for review.

     6.2.2 Additional  Submissions  -  Information  Access.  The  claimant shall
           then  have  the opportunity  to  submit  written comments, documents,
           records and  other  information  relating  to the claim. The Employer
           shall also  provide  the  claimant,  upon request and free of charge,
           reasonable  ccess to, and copies of, all documents, records and other
           information relevant  (as defined in applicable ERISA regulations) to
           the claimant's claim for benefits.

     6.2.3 Considerations  on  Review.  In  considering  the  review,  the
           Employer  shall take  into  account all materials and information the
           claimant submits relating to the claim,

                                        9
<PAGE>
           without   regard   to  whether  such  information  was   submitted or
           considered in the initial  benefit  determination.

     6.2.4 Timing  of  Employer  Response.  The  Employer  shall  respond  in
           writing  to  such claimant within sixty (60) days after receiving the
           request  for  review.  If  the  Employer  determines  that  special
           circumstances require  additional  time for processing the claim, the
           Employer can  extend  the response period by an additional sixty (60)
           days  by notifying  the  claimant in writing, prior to the end of the
           initial sixty (60)-day period, that an additional period is required.
           The notice  of extension must set forth the special circumstances and
           the date by which the Employer expects to render its decision.

     6.2.5 Notice  of  Decision.  The  Employer  shall  notify  the  claimant in
           writing of  its  decision  on  review.  The  Employer shall write the
           notification in a manner calculated to be understood by the claimant.
           The notification shall set forth -

          6.2.5.1 The specific reasons for the denial,

          6.2.5.2 A  reference  to  the  specific  provisions  of  the Agreement
                   on which the denial is based,

          6.2.5.3 A  statement  that  the  claimant  is  entitled  to  receive,
                  upon request and free of charge, reasonable access to, and
                  copies of, all  documents, records and other information
                  relevant (as defined in applicable ERISA regulations) to the
                  claimant's claim for benefits, and

          6.2.5.4 A  statement  of  the  claimant's  right  to  bring  a  civil
                   action under ERISA Section 502(a).

                                    ARTICLE 7
                                  MISCELLANEOUS

     7.1  Amendments and Termination. Subject to Section 7.13 of this Agreement,
(a)  this  Agreement  may be amended solely by a written agreement signed by the
Employer  and  by  the Executive, and (b) except for termination occurring under
Article 5, this Agreement may be terminated solely by a written agreement signed
by the Employer and by the Executive.

     7.2  Binding  Effect.  This  Agreement  shall  bind  the  Executive and the
Employer  and  their  beneficiaries,  survivors,  executors,  successors,
administrators, and transferees.

     7.3  No Guarantee of Employment. This Agreement is not an employment policy
or  contract.  It does not give the Executive the right to remain an employee of
the  Employer,  nor does it interfere with the Employer's right to discharge the
Executive.  It  also  does  not  require the Executive to remain an employee nor
interfere with the Executive's right to terminate employment at any time.

     7.4  Non-Transferability.  Benefits  under  this  Agreement cannot be sold,
transferred, assigned, pledged, attached, or encumbered in any manner.

                                       10
<PAGE>

     7.5  Tax  Withholding.  The  Employer  shall  withhold  any  taxes that are
required to be withheld from the benefits provided under this Agreement.

     7.6  Applicable  Law.  Except  to  the  extent preempted by the laws of the
United  States  of  America,  the  validity,  interpretation,  construction, and
performance  of  this Agreement shall be governed by and construed in accordance
with  the  laws of the State of Georgia, without giving effect to the principles
of conflict of laws of such state.

     7.7 Unfunded Arrangement. The Executive and the Executive's Beneficiary are
general  unsecured  creditors  of the Employer for the payment of benefits under
this  Agreement.  The benefits represent the mere promise by the Employer to pay
such  benefits.  The  rights  to  benefits  are  not  subject  in  any manner to
anticipation,  alienation,  sale,  transfer,  assignment,  pledge,  encumbrance,
attachment,  or  garnishment by creditors. Any insurance on the Executive's life
is  a  general asset of the Employer to which the Executive and Beneficiary have
no preferred or secured claim.

     7.8  Severability. If any provision of this Agreement is held invalid, such
invalidity shall not affect any other provision of this Agreement, and each such
other  provision  shall  continue  in  full  force and effect to the full extent
consistent with law. If any provision of this Agreement is held invalid in part,
such  invalidity  shall  not  affect  the  remainder  of  the provision, and the
remainder of such provision together with all other provisions of this Agreement
shall continue in full force and effect to the full extent consistent with law.

     7.9  Headings.  The  headings  of  sections  herein are included solely for
convenience  of  reference and shall not affect the meaning or interpretation of
any provision of this Agreement.

     7.10  Notices.  All  notices,  requests,  demands, and other communications
hereunder  shall  be  in  writing and shall be deemed to have been duly given if
delivered  by  hand  or  mailed,  certified  or  registered mail, return receipt
requested,  with  postage  prepaid.  Unless  otherwise changed by notice, notice
shall  be properly addressed to the Executive if addressed to the address of the
Executive  on  the books and records of the Employer at the time of the delivery
of such notice, and properly addressed to the Employer if addressed to the Board
of  Directors,  Albany Bank & Trust and Community Capital Bancshares, Inc., 2815
Meredyth Drive, Albany, Georgia 31707.

     7.11  Entire  Agreement.  This  Agreement  constitutes the entire agreement
between  the Employer and the Executive concerning the subject matter hereof. No
rights  are  granted  to  the  Executive  under  this Agreement other than those
specifically set forth herein.

     7.12  Payment  of  Legal  Fees.  In the event litigation ensues between the
parties  concerning the enforcement of the obligations of the parties under this
Agreement, the Employer shall pay all costs and expenses in connection with such
litigation  until  such time as a final determination (excluding any appeals) is
made with respect to the litigation. If the Employer prevails on the substantive
merits  of  the  each material claim in dispute in such litigation, the Employer
shall  be  entitled  to  receive  from  the  Executive  all reasonable costs and
expenses, including without limitation attorneys' fees, incurred by the Employer
on behalf of the Executive in connection with such litigation, and the Executive
shall  pay  such  costs and expenses to the Employer promptly upon demand by the
Employer.

                                       11
<PAGE>

     7.13  Termination  or  Modification of Agreement Because of Changes in Law,
Rules  or  Regulations.  The  Employer  is  entering  into this Agreement on the
assumption  that certain existing tax laws, rules, and regulations will continue
in  effect  in their current form. If that assumption materially changes and the
change  has  a  material detrimental effect on this Agreement, then the Employer
reserves the right to terminate or modify this Agreement accordingly, subject to
the  written consent of the Executive, which shall not be unreasonably withheld.
This  Section  7.13 shall become null and void effective immediately if a Change
in Control occurs.

                                    ARTICLE 8
                           ADMINISTRATION OF AGREEMENT

     8.1  Plan  Administrator  Duties. This Agreement shall be administered by a
Plan  Administrator consisting of the Board of Directors of the Employer or such
committee  or person(s) as the Board of Directors of the Employer shall appoint.
In accordance with the rules applicable for companies listed on the Nasdaq Stock
Market  and  the Employer's corporate governance procedures, the Executive shall
not  serve  as  a member of the Plan Administrator. The Plan Administrator shall
also  have  the  discretion  and  authority  to  (a) make, amend, interpret, and
enforce  all  appropriate  rules  and regulations for the administration of this
Agreement  and  (b)  decide  or  resolve  any  and  all  questions,  including
interpretations  of  this  Agreement,  as  may  arise  in  connection  with  the
Agreement.

     8.2 Agents. In the administration of this Agreement, the Plan Administrator
may employ agents and delegate to them such administrative duties as it sees fit
(including  acting through a duly appointed representative) and may from time to
time consult with counsel, who may be counsel to the Employer.

     8.3  Binding  Effect  of  Decisions.  The  decision  or  action of the Plan
Administrator  with respect to any question arising out of or in connection with
the  administration,  interpretation,  and  application of the Agreement and the
rules  and  regulations  promulgated hereunder shall be final and conclusive and
binding  upon  all persons having any interest in the Agreement. No Executive or
Beneficiary  shall  be  deemed to have any right, vested or nonvested, regarding
the  continued  use  of  any  previously  adopted assumptions, including but not
limited to the discount rate and calculation method described in Section 1.1.

     8.4  Indemnity  of  Plan Administrator. The Plan Administrator shall not be
liable  to  any  person  for  any action taken or omitted in connection with the
interpretation  and  administration  of  this  Agreement,  unless such action or
omission  is attributable to the willful misconduct of the Plan Administrator or
any  of  its members. The Employer shall indemnify and hold harmless the members
of the Plan Administrator against any and all claims, losses, damages, expenses,
or  liabilities  arising  from any action or failure to act with respect to this
Agreement, except in the case of willful misconduct by the Plan Administrator or
any of its members.

     8.5  Employer  Information. To enable the Plan Administrator to perform its
functions,  the  Employer  shall  supply full and timely information to the Plan
Administrator  on  all  matters  relating  to  the date and circumstances of the
retirement, Disability, death, or Termination of Employment of the Executive and
such  other  pertinent  information  as  the  Plan  Administrator may reasonably
require.

                                       12
<PAGE>

IN  WITNESS  WHEREOF, the Executive and a duly authorized officer of the Company
and  the  Bank  have  signed  this Agreement as of the date first written above.

THE EXECUTIVE:                         THE BANK:
                                       ALBANY BANK &TRUST

/s/ Paul E. Joiner, Jr.                By: /s/ Robert E. Lee
---------------------------                --------------------
Paul E. Joiner, Jr.
                                       Its:  President
                                             ---------

                                       13
<PAGE>

                             BENEFICIARY DESIGNATION
                          SALARY CONTINUATION AGREEMENT

     I, Paul E. Joiner, Jr., designate the following as beneficiary of any death
benefits  under  this  Salary  Continuation  Agreement  -

     Primary:     Sylvia T.  oiner
                  --------------------------------------------------------------
-------------------------------------------------------------------------------.

     Contingent:     Paul E. Joiner,  III, Bret H. Joiner
                     ----------------------------------------------------------
------------------------------------------------------------------------------.

NOTE:  TO NAME A TRUST AS BENEFICIARY, PLEASE PROVIDE THE NAME OF THE TRUSTEE(S)
AND  THE  EXACT  NAME  AND  DATE  OF  THE  TRUST  AGREEMENT.

I  understand  that  I may change these beneficiary designations by filing a new
written  designation  with  the  Employer.  I  further  understand  that  the
designations will be automatically revoked if the beneficiary predeceases me, or
if  I  have  named  my  spouse  as  beneficiary and our marriage is subsequently
dissolved.

     Signature:     /s/ Paul E. Joiner, Jr.
                    ---------------------------
                    Paul E. Joiner, Jr.

     Date:          September  13, 2004
                    --------------------

     Accepted by the Employer this 13th day of September, 2004.

     By:     /s/ Robert E. Lee
             --------------------

Print  Name:     Robert E. Lee
                 ---------------

Title:            President
                ---------

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