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  <import namespace="http://fasb.org/us-gaap/2012-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd" />
  <import namespace="http://xbrl.sec.gov/dei/2012-01-31" schemaLocation="http://xbrl.sec.gov/dei/2012/dei-2012-01-31.xsd" />
  <import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" />
  <import namespace="http://xbrl.sec.gov/exch/2012-01-31" schemaLocation="http://xbrl.sec.gov/exch/2012/exch-2012-01-31.xsd" />
  <import namespace="http://xbrl.sec.gov/invest/2012-01-31" schemaLocation="http://xbrl.sec.gov/invest/2012/invest-2012-01-31.xsd" />
  <import namespace="http://xbrl.sec.gov/country/2012-01-31" schemaLocation="http://xbrl.sec.gov/country/2012/country-2012-01-31.xsd" />
  <import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" />
  <element id="bcar_DocumentAndEntityInformationAbstract" name="DocumentAndEntityInformationAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_ChangeInFairValueOfSecuritiesAvailableForSale" name="ChangeInFairValueOfSecuritiesAvailableForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="bcar_PreferredSharesIssuedAndOutstanding" name="PreferredSharesIssuedAndOutstanding" nillable="true" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <element id="bcar_DiscountOnPreferredStockMember" name="DiscountOnPreferredStockMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_CommonSharesIssuedAndOutstanding" name="CommonSharesIssuedAndOutstanding" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <element id="bcar_AmortizedCostEstimatedFairValuesAndCarryingValuesOfInvestmentSecuritiesPortfoliosAbstract" name="AmortizedCostEstimatedFairValuesAndCarryingValuesOfInvestmentSecuritiesPortfoliosAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_AvailableForSaleSecuritiesDebtSecuritiesCarryingValue" name="AvailableForSaleSecuritiesDebtSecuritiesCarryingValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="bcar_ConstructionAndDevelopmentMember" name="ConstructionAndDevelopmentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_LoanPortfolioAbstract" name="LoanPortfolioAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_ConsumerLoansInstallmentMember" name="ConsumerLoansInstallmentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_ConsumerLoansOtherMember" name="ConsumerLoansOtherMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_CommercialNonRealEstateMember" name="CommercialNonRealEstateMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_OwnerOccupiedMember" name="OwnerOccupiedMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_IncomeProducingMember" name="IncomeProducingMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_MultifamilyMember" name="MultifamilyMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_OneToFourFamilyMember" name="OneToFourFamilyMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_ConstructionAndDevelopmentOtherMember" name="ConstructionAndDevelopmentOtherMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_FarmlandMember" name="FarmlandMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_EquityLinesMember" name="EquityLinesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_JuniorLiensMember" name="JuniorLiensMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_TroubledDebtRestructuringAbstract" name="TroubledDebtRestructuringAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_PreModificationRecordedInvestment" name="PreModificationRecordedInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_PostModificationRecordedInvestment" name="PostModificationRecordedInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_OthersMember" name="OthersMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_LossMember" name="LossMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_FinancingReceivableCreditQualityIndicatorsAbstract" name="FinancingReceivableCreditQualityIndicatorsAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_ConsumerRelatedLoansSegregatedByClassOfLoansAbstract" name="ConsumerRelatedLoansSegregatedByClassOfLoansAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_LoansTextualAbstract" name="LoansTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_ScheduleOfIndividuallyEvaluatedForImpairmentTableTextBlock" name="ScheduleOfIndividuallyEvaluatedForImpairmentTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_ScheduleOfAllowanceForLoanLossesCollectivelyEvaluatedForImpairmentTableTextBlock" name="ScheduleOfAllowanceForLoanLossesCollectivelyEvaluatedForImpairmentTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_OutstandingFinancialInstrumentsWhoseContractAmountsRepresentCreditRiskAbstract" name="OutstandingFinancialInstrumentsWhoseContractAmountsRepresentCreditRiskAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_StockholdersEquityTextualAbstract" name="StockholdersEquityTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_IncomeTaxesTextualAbstract" name="IncomeTaxesTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_ImpairedFinancingReceivableWithNoRelatedAllowanceAbstract" name="ImpairedFinancingReceivableWithNoRelatedAllowanceAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_ImpairedFinancingReceivableWithAllowanceRecordedAbstract" name="ImpairedFinancingReceivableWithAllowanceRecordedAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_ImpairedFinancingReceivableAbstract" name="ImpairedFinancingReceivableAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAmortizedCost" name="AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAmortizedCost" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="bcar_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesUnrealizedGain" name="AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesUnrealizedGain" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="bcar_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesUnrealizedLosses" name="AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesUnrealizedLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="bcar_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesEstimatedFairValue" name="AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesEstimatedFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="bcar_ImpairedLoansMember" name="ImpairedLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_SecuritiesSoldUnderTermAgreementsToRepurchaseMember" name="SecuritiesSoldUnderTermAgreementsToRepurchaseMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_TrustPreferredSecuritiesMember" name="TrustPreferredSecuritiesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_AgreementDateEightJulyTwoThousandAndEightMember" name="AgreementDateEightJulyTwoThousandAndEightMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_AgreementDateTwentiethAugustTwoThousandAndEightMember" name="AgreementDateTwentiethAugustTwoThousandAndEightMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_DebtInstrumentCollateralRequirement" name="DebtInstrumentCollateralRequirement" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="bcar_BorrowedFundsTextualAbstract" name="BorrowedFundsTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_SecurityOnBorrowedFundsOnPrincipalBalanceAndOtherOutstandingPercentage" name="SecurityOnBorrowedFundsOnPrincipalBalanceAndOtherOutstandingPercentage" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <element id="bcar_DebtInstrumentsMaturityDate" name="DebtInstrumentsMaturityDate" type="xbrli:dateItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <element id="bcar_DebtInstrumentsDateOfFirstRequiredPaymentOne" name="DebtInstrumentsDateOfFirstRequiredPaymentOne" type="xbrli:dateItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <element id="bcar_BankOfCarolinasTrustIMember" name="BankOfCarolinasTrustIMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_InvestmentMaturityDateOne" name="InvestmentMaturityDateOne" type="xbrli:dateItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_InvestmentRedemptionPercentageOfPrincipalAmount" name="InvestmentRedemptionPercentageOfPrincipalAmount" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <element id="bcar_InvestmentInterestFrequencyOfPayment" name="InvestmentInterestFrequencyOfPayment" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_InvestmentInterestBasisVariableSpread" name="InvestmentInterestBasisVariableSpread" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_DebtInstrumentPenaltyOnEarlyRepayment" name="DebtInstrumentPenaltyOnEarlyRepayment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="bcar_FinancingReceivablePerformingAndNonPerformingTableTextBlock" name="FinancingReceivablePerformingAndNonPerformingTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_LoanPortfolioTableTextBlock" name="LoanPortfolioTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_ResidentialOneThroughFourFamilyMember" name="ResidentialOneThroughFourFamilyMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_LoansAndLeasesReceivableGrossCarryingAmountRealEstate" name="LoansAndLeasesReceivableGrossCarryingAmountRealEstate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="bcar_FinancingReceivableTroubledDebtRestructuringNumberOfContracts" name="FinancingReceivableTroubledDebtRestructuringNumberOfContracts" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_SecuritiesSoldUnderOvernightRepurchaseAgreementsMember" name="SecuritiesSoldUnderOvernightRepurchaseAgreementsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_NoLoansRestructured" name="NoLoansRestructured" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_FinancialsInstrumentAxis" name="FinancialsInstrumentAxis" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_TransfersAndServicingOfFinancialsInstrumentsTypesOfFinancialsInstrumentsDomain" name="TransfersAndServicingOfFinancialsInstrumentsTypesOfFinancialsInstrumentsDomain" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_DividendDeclaredNotPaid" name="DividendDeclaredNotPaid" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="bcar_TroubledDebtRestructuringThatSubsequentlyDefaultedAbstract" name="TroubledDebtRestructuringThatSubsequentlyDefaultedAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_GoingConcernDisclosureAbstract" name="GoingConcernDisclosureAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_GoingConcernDisclosureTextBlock" name="GoingConcernDisclosureTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_TroubledDebtRestructuringThatSubsequentlyDefaultedNumberOfContracts" name="TroubledDebtRestructuringThatSubsequentlyDefaultedNumberOfContracts" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_RecordedInvestment" name="RecordedInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_ImpairedFinancingReceivableWithNoRelatedAllowance" name="ImpairedFinancingReceivableWithNoRelatedAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="bcar_GoingConcernAdditionalTextualAbstract" name="GoingConcernAdditionalTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_IncreaseDecreaseInRiskWeightedAsset" name="IncreaseDecreaseInRiskWeightedAsset" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="bcar_FederalHomeLoanBankAdvanceGeneralDebtObligationRedemptionPenaltyPaidEarly" name="FederalHomeLoanBankAdvanceGeneralDebtObligationRedemptionPenaltyPaidEarly" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="bcar_FederalHomeLoanBankAdvanceGeneralDebtObligationRemainingAverageLifeOfAdvance" name="FederalHomeLoanBankAdvanceGeneralDebtObligationRemainingAverageLifeOfAdvance" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_BorrowedFundAdditionalTextualAbstract" name="BorrowedFundAdditionalTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_GoingConcernTextualAbstract" name="GoingConcernTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_BrokeredCertificateOfDepositMaturityRange" name="BrokeredCertificateOfDepositMaturityRange" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_BrokeredCertificateOfDepositInterestRateRange" name="BrokeredCertificateOfDepositInterestRateRange" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_FinancialInstrumentGainLossAxis" name="FinancialInstrumentGainLossAxis" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_FinancialInstrumentGainLossDomain" name="FinancialInstrumentGainLossDomain" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_FinancialInstrumentAllocatedAndUnallocatedAxis" name="FinancialInstrumentAllocatedAndUnallocatedAxis" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_FinancialInstrumentAllocatedAndUnallocatedDomain" name="FinancialInstrumentAllocatedAndUnallocatedDomain" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_ConsumerLoanAxis" name="ConsumerLoanAxis" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_ConsumerLoanDomain" name="ConsumerLoanDomain" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_TemporaryImpairedSecuritiesFairValuesWithUnrealizedLossesAbstract" name="TemporaryImpairedSecuritiesFairValuesWithUnrealizedLossesAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_TroubledDebtRestructuringInformationTableTextBlock" name="TroubledDebtRestructuringInformationTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_SummaryOfRestatementEffectsForPreviousYearTableTextBlock" name="SummaryOfRestatementEffectsForPreviousYearTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_RestatedMember" name="RestatedMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_CumulativeAmountOfDividendsInArrearsNotDeclared" name="CumulativeAmountOfDividendsInArrearsNotDeclared" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <element id="bcar_ImpairedFinancingReceivableWithRelatedAllowance" name="ImpairedFinancingReceivableWithRelatedAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="bcar_BasisOfPresentationTable" name="BasisOfPresentationTable" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_BasisOfPresentationLineItems" name="BasisOfPresentationLineItems" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_BasisOfPresentationTextualAbstract" name="BasisOfPresentationTextualAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="bcar_OtherLiabilitiesAsPreviouslyStated" name="OtherLiabilitiesAsPreviouslyStated" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="bcar_PriorPeriodAdjustmentOnOtherLiabilities" name="PriorPeriodAdjustmentOnOtherLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="bcar_PriorPeriodAdjustmentOnRetainedDeficit" name="PriorPeriodAdjustmentOnRetainedDeficit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="bcar_ImpairedLoansSegregatedByClassOfLoansAbstract" name="ImpairedLoansSegregatedByClassOfLoansAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
</schema>
