UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                     FORM 15

CERTIFICATION  AND NOTICE OF TERMINATION OF REGISTRATION  UNDER SECTION 12(g) OF
THE SECURITIES  EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER
SECTION 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934.

                                                                 000-226905
                                                          ----------------------
                                                          Commission File Number


                           RHBT Financial Corporation
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             (Exact name of registrant as specified in its charter)

       249 E. Main Street, Rock Hill, South Carolina 29731 (803) 234-2500
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  (Address, including zip code, and telephone number, including area code, of
                    registrant's principal executive offices)


                                  Common Stock
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            (Title of each class of securities covered by this Form)


                                       N/A
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  (Titles of all other classes of securities for which a duty to file reports
                      under section 13(a) or 15(d) remains)

     Please  place  an X in  the  box(es)  to  designate  the  appropriate  rule
provision(s) relied upon to terminate or suspend the duty to file reports:

     Rule 12g-4(a)(1)(i) [X]             Rule 12h-3(b)(1)(i) [ ]
     Rule 12g-4(a)(1)(ii)[ ]             Rule 12h-3(b)(1)(ii)[ ]
     Rule 12g-4(a)(2)(i) [ ]             Rule 12h-3(b)(2)(i) [ ]
     Rule 12g-4(a)(2)(ii)[ ]             Rule 12h-3(b)(2)(ii)[ ]
                                         Rule 15d-6          [ ]

Approximate number of holders of record as of the certification or notice date:

                                      186

     Pursuant to the requirements of the Securities  Exchange Act of 1934 RHBT
Financial Corporation. has caused this  certification/notice to be signed on its
Behalf by the undersigned duly authorized person.


      October 31, 2002                 s/Herman E. Honeycutt
Date:--------------------          By:------------------------------------------
                                        Chief Executive Officer