-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
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<SEC-DOCUMENT>0001238927-04-000001.txt : 20040423
<SEC-HEADER>0001238927-04-000001.hdr.sgml : 20040423
<ACCEPTANCE-DATETIME>20040423100309
ACCESSION NUMBER:		0001238927-04-000001
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040423
FILED AS OF DATE:		20040423

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			COVINGTON JEAN H
		CENTRAL INDEX KEY:			0001238927

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-24099
		FILM NUMBER:		04749546

	MAIL ADDRESS:	
		STREET 1:		C/O PEOPLE'S COMMUNITY CAPITAL CORP
		STREET 2:		P O BOX 313
		CITY:			AIKEN
		STATE:			SC
		ZIP:			29802

	FORMER NAME:	
		FORMER CONFORMED NAME:	CONVINGTON JEAN H
		DATE OF NAME CHANGE:	20030604

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PEOPLES COMMUNITY CAPITAL CORP
		CENTRAL INDEX KEY:			0001037249
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				582287073
		STATE OF INCORPORATION:			SC
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		PO BOX 313
		CITY:			AIKEN
		STATE:			SC
		ZIP:			29802
		BUSINESS PHONE:		8036412265

	MAIL ADDRESS:	
		STREET 1:		PO BOX 313
		CITY:			AIKEN
		STATE:			SC
		ZIP:			29802
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>primary_doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0201</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2004-04-23</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0001037249</issuerCik>
        <issuerName>PEOPLES COMMUNITY CAPITAL CORP</issuerName>
        <issuerTradingSymbol>PPLM.OB</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001238927</rptOwnerCik>
            <rptOwnerName>COVINGTON JEAN H</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>C/O PEOPLE'S COMMUNITY CAPITAL CORP</rptOwnerStreet1>
            <rptOwnerStreet2>P O BOX 313</rptOwnerStreet2>
            <rptOwnerCity>AIKEN</rptOwnerCity>
            <rptOwnerState>SC</rptOwnerState>
            <rptOwnerZipCode>29802</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Chief Financial Officer</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common stock ($0.01 par value per share)</value>
            </securityTitle>
            <transactionDate>
                <value>2004-04-23</value>
            </transactionDate>
            <deemedExecutionDate>
                <value>2004-04-23</value>
            </deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>M</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>1525</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>8.23</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>3152</value>
                    <footnoteId id="F1"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                    <footnoteId id="F2"/>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <derivativeTable>
        <derivativeTransaction>
            <securityTitle>
                <value>Employee Stock Option (Right to Buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>8.23</value>
                <footnoteId id="F3"/>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2004-04-23</value>
            </transactionDate>
            <deemedExecutionDate>
                <value>2004-04-23</value>
            </deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>M</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>1525</value>
                </transactionShares>
                <transactionPricePerShare>
                    <footnoteId id="F5"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <footnoteId id="F4"/>
            </exerciseDate>
            <expirationDate>
                <value>2008-05-16</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>1525</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>3045</value>
                    <footnoteId id="F6"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeTransaction>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">Includes 77 shares received in stock dividends since last Form 4 reporting.</footnote>
        <footnote id="F2">Shares are jointly owned with spouse.</footnote>
        <footnote id="F3">The original exercise price was $10.00 and has been adjusted for the effects of four 5% stock dividends paid since the date of grant.</footnote>
        <footnote id="F4">The options vested in five equal annual installments beginning 1/1/99.</footnote>
        <footnote id="F5">This transaction is the exercise of a derivative security.</footnote>
        <footnote id="F6">The original grant was for 5,000 shares and has been adjusted for the effects of four 5% stock dividends paid since the date of the grant.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>Jean H. Covington</signatureName>
        <signatureDate>2004-04-23</signatureDate>
    </ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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