Community Capital Bancshares (ALBY) 11-K Annual report of employee stock purchases

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

___________

FORM 11-K

FOR ANNUAL REPORTS OF EMPLOYEE STOCK

REPURCHASE SAVINGS AND SIMILAR PLANS

PURSUANT TO SECTION 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934.

For the fiscal year ended: December 31, 2004.

OR

o TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934.

For the transition period from ________ to ____________

Commission file number: 000-25345

A. Full title of the plan and the address of the plan, if different from that of the issuer named below:

THE ALBANY BANK & TRUST

SECTION 401(K) PROFIT SHARING PLAN

B. Name of issuer of the securities held pursuant to the plan and the address of its principal executive office:

COMMUNITY CAPITAL BANCSHARES, INC.

2815 MEREDYTH DRIVE

ALBANY, GEORGIA 31707

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Financial Statements and Exhibits

Albany Bank & Trust 401(K) Profit Sharing Plan

Sponsored by Albany Bank & Trust, N.A.

Financial Information -- Small Plan

from Schedule I of the Annual Report on Form 5500 for the plan year ended December 31, 2004

Plan Assets and Liabilities:
	As of		As of
	January 1, 2004		December 31, 2004
Total plan assets		663,759		876,300
Total plan liabilities		-		-
Net Plan assets		663,759		876,300

Income, Expenses, and Transfers for the Plan Year:
	For the Plan Year Ended December 31, 2004
Contributions received or receivable
Employers		82,009
Participants		164,274
Others (including rollovers)		17,567
Noncash contributions		-
Other income		39,256
Total Income		303,106
Benefits paid		81,939
Corrective distributions		3,792
Certain deemed distributions of participant loans		-
Other expenses		4,834
Total Expenses		90,565
Net Income		212,541

SUMMARY ANNUAL REPORT

FOR ALBANY BANK & TRUST 401(K) PROFIT SHARING PLAN

This is a summary of the annual report for the ALBANY BANK & TRUST 401(k) PROFIT SHARING PLAN, EIN 58-2413470, Plan No. 001, for the period January 1, 2004 through December 31, 2004. The annual report has been filed with the Employee Benefits Security Administration, U.S. Department of Labor, as required under the Employee Retirement Income Security Act of 1974 (ERISA).

Basic Financial Statement

Benefits under the plan are provided through a trust fund. Plan expenses were $90,565. These expenses included $81,939 in benefits paid to participants and beneficiaries and $4,834 in other expenses. A total of 94 persons were participants in or beneficiaries of the plan at the end of the plan year.

The value of plan assets, after subtracting liabilities of the plan, was $876,300 as of December 31, 2004, compared to $663,759 as of January 1, 2004. During the plan year the plan experienced an increase in its net assets of $212,541. This increase includes unrealized appreciation and depreciation in the value of plan assets; that is, the difference between the value of the plan’s assets at the end of the year and the value of the assets at the beginning of the year or the cost of assets acquired during the year. The plan had total income of $303,106 including employer contributions of $82,009, employee contributions of $164,274, and earnings from investments of $39,256.

Your Rights To Additional Information

You have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report:

1. financial information; and

2. information regarding any common or collective trusts, pooled separate accounts, master trusts or 103-12 investment entities in which the plan participates.

To obtain a copy of the full annual report, or any part thereof, write or call ALBANY BANK & TRUST, P.O. BOX DRAWER 71269, 2815 MEREDYTH DRIVE, ALBANY, GA 31707, telephone (229) 446-2201.

The plan has met the requirements to waive the annual examination and report of an independent qualified public accountant. As of the end of the plan year, the following regulated financial institution(s) held or issued plan assets that qualified under the waiver: Fidelity Investments $864,406. You have the right to examine or receive from the plan administrator, on request and at no charge, copies of statements from the regulated financial institutions describing the qualifying plan assets. If you are unable to examine or obtain these documents, contact an EBSA Regional Office for assistance. Information about contacting EBSA regional offices can be found on the Internet at http://www.dol.gov/ebsa.

You also have the legally protected right to examine the annual report at the main office of the plan (ALBANY BANK & TRUST, P.O. BOX DRAWER 71269, 2815 MEREDYTH DRIVE, ALBANY, GA 31707) and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N1513, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue NW, Washington, DC 20210.

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SIGNATURES

The Plan. Pursuant to the requirements of the Securities Exchange Act of 1934, the trustees (or other persons who administer the employee benefit plan) have duly caused this annual report to be signed on their behalf by the undersigned thereunto duly authorized.

THE ALBANY BANK & TRUST
SECTION 401(K) PROFIT SHARING PLAN
By:	/s/ David J. Baranko
	David J. Baranko
	Chief Financial Officer

Dated: December 19, 2005

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