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                                                                EXHIBIT 5.1





             [Nelson Mullins Riley & Scarborough, L.L.P. LETTERHEAD]
                   A REGISTERED LIMITED LIABILITY PARTNERSHIP

                           999 PEACHTREE STREET, N.E.
                               FIRST UNION PLAZA
                                   SUITE 1400
                             ATLANTA, GEORGIA 30309
                            TELEPHONE (404) 817-6000
                            FACSIMILE (404) 817-6050
                                  www.nmrs.com

                                December 6, 1999


People's Community Capital Corporation
106-A Park Avenue, SW
Aiken, South Carolina  29801

Ladies and Gentlemen:

         We have acted as counsel to People's Community Capital Corporation (the
"Company") in connection with the filing of a Registration Statement on Form S-8
(the "Registration Statement") under the Securities Act of 1933, covering the
offering of up to 250,000 shares (the "Shares") of the Company's common stock,
par value $.01 per share, which may be issued by the Company upon the exercise
of stock options under its 1998 Stock Incentive Plan. In connection therewith,
we have examined such corporate records, certificates of public officials, and
other documents and records as we have considered necessary or proper for the
purpose of this opinion.

         The opinion set forth herein are limited to the laws of the State of
South Carolina and applicable federal laws.

         Based on the foregoing, and having regard to legal considerations which
we deem relevant, we are of the opinion that the Shares, when issued and
delivered as described in the Registration Statement, will be legally issued,
fully paid and nonassessable.

         We hereby consent to the filing of this opinion as an exhibit to the
Registration Statement.

                                    Very truly yours,

                                    NELSON MULLINS RILEY &
                                    SCARBOROUGH, L.L.P.

                                    /s/ Neil E. Grayson, Esq.

                                    Neil E. Grayson, Esq.