COMMUNITY CAPITAL CORP /SC/
10-K/A, 1996-06-03
NATIONAL COMMERCIAL BANKS
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This amendment is solely for the purpose of filing the Financial 
Data Schedule.
    

                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

   
                                 AMENDMENT NO. 1
                                        TO
    

                                    FORM 10-K
                  ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d)
                     OF THE SECURITIES EXCHANGE ACT OF 1934

                  For the fiscal year ended: December 31, 1995

                         Commission file number: 0-18460

                          COMMUNITY CAPITAL CORPORATION
             (Exact name of Registrant as specified in its charter)

<TABLE>
<S>                                                                                   <C>  
                  South Carolina                                                          57-0866395
- --------------------------------------------------                       ---------------------------------------------
         (State or other jurisdiction of                                               (I.R.S. Employer
          incorporation or organization)                                              Identification No.)
               109 Montague Avenue
            Greenwood, South Carolina                                                        29646
- --------------------------------------------------                       ---------------------------------------------
              (Address of principal                                                       (Zip Code)
                executive offices)
</TABLE>


Registrant's telephone number, including area code:  (803) 941-8200

           SECURITIES REGISTERED PURSUANT TO SECTION 12(b) OF THE ACT:

                                      None

           SECURITIES REGISTERED PURSUANT TO SECTION 12(g) OF THE ACT:

                     Common Stock, par value $1.00 per share

         Indicate by check mark whether the Registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the  Securities  Exchange  Act of
1934  during  the  preceding  12 months  (or for such  shorter  period  that the
Registrant was required to file such reports),  and (2) has been subject to such
filing requirements for the past 90 days. Yes [X] No [ ]

         Indicate by check mark if disclosure of delinquent  filers  pursuant to
Item 405 of Regulation S-K is not contained  herein,  and will not be contained,
to the best of  registrant's  knowledge,  in  definitive  proxy  or  information
statements  incorporated  by  reference  in Part  III of this  Form  10-K or any
amendment to this Form 10-K. [X]

         There is presently no  established  public trading market for shares of
the Registrant's  common stock,  $1.00 par value, and trading in such shares has
been  limited.  Accordingly,  trading  activity  in  the  voting  stock  of  the
Registrant  does not currently  represent a reliable  indicator of the aggregate
market value of the voting stock of the Registrant held by non-affiliates of the
Registrant and the Registrant is unable to estimate such value.

         The number of shares outstanding of the Registrant's common stock as of
March 1, 1996 was 1,160,227.

                       DOCUMENTS INCORPORATED BY REFERENCE

Portions of the Registrant's  Proxy Statement in connection with its 1996 Annual
Meeting of Stockholders (Part III).



<PAGE>


                                                    SIGNATURES


           Pursuant to the requirements of Section 13 or 15(d) of the Securities
Exchange Act of 1934, the registrant,  Community Capital  Corporation,  has duly
caused this report to be signed on its behalf by the undersigned, thereunto duly
authorized.

                                       COMMUNITY CAPITAL CORPORATION


   
Dated: June 3, 1996                  By: /s/ WILLIAM G. STEVENS
                                           -----------------------
    
                                           William G. Stevens
                                           President and Chief Executive Officer


         Pursuant to the  requirements  of the Securities  Exchange Act of 1934,
this  report has been  signed  below by the  following  persons on behalf of the
registrant, Greenwood National Bancorporation,  and in the capacities and on the
dates indicated.
<TABLE>
<CAPTION>

       Signature                                       Title                                         Date
<S>                                             <C>                                              <C> 
   
/s/ WILLIAM G. STEVENS                          
- --------------------------------------          President (Principal                             , 1996
William G. Stevens                              Executive Officer) and
                                                Director


/s/ JAMES H. STARK                               
- ----------------------------------------        Chief Financial                                  June 3, 1996
James H. Stark                                  Officer (Principal
                                                Financial and
                                                Accounting Officer)

/s/ PATRICIA C. EDMONDS                        
- ----------------------------------              Secretary and                                    June 3, 1996
Patricia C. Edmonds                             Director


             *                       
- ---------------------------------               Director                                         June 3, 1996
David P. Allred, M.D.

             * 
- ---------------------------------               Director                                         June 3, 1996
Robert C. Coleman


             *     
- --------------------------------                Director                                         June 3, 1996
John W. Drummond


             *
- --------------------------------                Director                                         June 3, 1996
Wayne Q. Justesen, Jr.


<PAGE>



             *                                                                  
- --------------------------------                Director                                        June 3, 1996
Thomas C. Lynch


            *                                                                  
- --------------------------------                Director                                        June 3, 1996
H. Edward Munnerlyn


            *                                                                 
- --------------------------------                Director                                        June 3, 1996
George B. Park


- -------------------------------                 Director                                        June 3, 1996
Joe H. Patrick, Jr.


            *                                  
- ------------------------------                  Director                                        June 3, 1996
Donna W. Robinson


            * 
- ------------------------------                  Director                                        June 3, 1996
George D. Rodgers


            *   
- ------------------------------                  Director                                        June 3, 1996
Charles J. Rogers


            * 
- ------------------------------                  Director                                        June 3, 1996
Thomas E. Skelton


            *
- ------------------------------                  Director                                        June 3, 1996
Lex D. Walters
    


*By: /s/ WILLIAM G. STEVENS                                                                     June 3, 1996
    ------------------------------
    (William G. Stevens) (As
    Attorney-in-Fact for each
    of the persons indicated)

[ORIGINAL EXECUTED SIGNATURE PAGE IS ON FILE WITH COMMUNITY CAPITAL CORPORATION.]

</TABLE>


<PAGE>



                                                   EXHIBIT INDEX

                                           COMMUNITY CAPITAL CORPORATION
                                                     FORM 10-K
                                      Pursuant to Item 601 of Regulation S-K
<TABLE>
<CAPTION>

Exhibit
Number                 Description                                                                                  Page No.

<S>                    <C>                                                                                          <C>
   
27                     Financial Data Schedule
    
</TABLE>
<PAGE>

<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                       2,949,289
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             2,330,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 22,445,925
<INVESTMENTS-CARRYING>                      22,445,925
<INVESTMENTS-MARKET>                        22,445,925
<LOANS>                                     63,203,789
<ALLOWANCE>                                    671,338
<TOTAL-ASSETS>                              96,099,977
<DEPOSITS>                                  73,137,574
<SHORT-TERM>                                 9,277,561
<LIABILITIES-OTHER>                            753,272
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                     1,153,060
<OTHER-SE>                                  11,778,510
<TOTAL-LIABILITIES-AND-EQUITY>              96,099,977
<INTEREST-LOAN>                              5,145,614
<INTEREST-INVEST>                              894,393
<INTEREST-OTHER>                               106,974
<INTEREST-TOTAL>                             6,146,981
<INTEREST-DEPOSIT>                           2,421,905
<INTEREST-EXPENSE>                           2,948,252
<INTEREST-INCOME-NET>                        3,198,729
<LOAN-LOSSES>                                  112,000
<SECURITIES-GAINS>                            (21,527)
<EXPENSE-OTHER>                              3,069,283
<INCOME-PRETAX>                                794,688
<INCOME-PRE-EXTRAORDINARY>                     533,868
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   533,868
<EPS-PRIMARY>                                     0.58
<EPS-DILUTED>                                     0.58
<YIELD-ACTUAL>                                    4.49
<LOANS-NON>                                     13,213
<LOANS-PAST>                                    31,935
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              1,894,397
<ALLOWANCE-OPEN>                               580,528
<CHARGE-OFFS>                                   21,475
<RECOVERIES>                                       285
<ALLOWANCE-CLOSE>                              671,338
<ALLOWANCE-DOMESTIC>                           671,338
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>


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