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

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

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

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

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

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

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

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

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

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



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


                                  COMMUNITY  CAPITAL  BANCSHARES,  INC.

                                  By: __________________________________________

                                  Title: _______________________________________

ATTEST:

By: _________________________

Title: ______________________