EXHIBIT 99.1

REVOCABLE PROXY

                            UNITED COMMUNITY BANCORP
                            1039 Second Street, N.E.
                          Hickory, North Carolina 28601

                              APPOINTMENT OF PROXY
                       SOLICITED BY THE BOARD OF DIRECTORS

     The undersigned hereby appoints Barbara D. Myers, Carole F. Teague, and Joe
S. Tripp or any of them, as attorneys and proxies, with full power of
substitution, to vote all shares of the common stock of United Community Bancorp
("Bancorp") held of record by the undersigned on ________, 2002, at the Special
Meeting of Shareholders of Bancorp to be held at the Gateway Conference Center,
909 Highway 70 SW, Hickory, North Carolina, at ___ _.m. on ____, 2002, and at
any adjournments thereof. The undersigned hereby directs that the shares
represented by this appointment of proxy be voted as follows on the proposal
described below:

1.   APPROVAL OF AGREEMENT AND PLAN OF MERGER: Proposal to approve the Agreement
     and Plan of Merger dated August 2, 2002 between United Community Bancorp
     and Community Bancshares, Inc.

     [_] FOR         [_] AGAINST         [_] ABSTAIN

2.   OTHER BUSINESS: On such other matters as may properly come before the
     Special Meeting, the proxies are authorized to vote the shares represented
     by this appointment of proxy in accordance with their best judgment.

          PLEASE DATE AND SIGN THIS APPOINTMENT OF PROXY ON THE REVERSE
                   SIDE AND RETURN TO UNITED COMMUNITY BANCORP



     THE SHARES REPRESENTED BY THIS APPOINTMENT OF PROXY WILL BE VOTED AS
DIRECTED ABOVE. IN THE ABSENCE OF ANY DIRECTION, SUCH SHARES WILL BE VOTED FOR
THE APPROVAL OF THE AGREEMENT AND PLAN OF MERGER. THIS APPOINTMENT OF PROXY MAY
BE REVOKED BY THE HOLDER OF THE SHARES TO WHICH IT RELATES AT ANY TIME BEFORE IT
IS EXERCISED BY FILING WITH THE SECRETARY OF BANCORP A WRITTEN INSTRUMENT
REVOKING IT OR A DULY EXECUTED APPOINTMENT OF PROXY BEARING A LATER DATE OR BY
ATTENDING THE SPECIAL MEETING AND ANNOUNCING HIS OR HER INTENTION TO VOTE IN
PERSON.

                                      Dated: _____________________________, 2002


                                      __________________________________________
                                      Signature


                                      __________________________________________
                                      Signature if held jointly


                                      Instruction: Please sign above exactly as
                                      your name appears on this appointment of
                                      proxy. Joint owners of shares should both
                                      sign. Fiduciaries or other persons signing
                                      in a representative capacity should
                                      indicate the capacity in which they are
                                      signing.

     IMPORTANT: TO INSURE THAT A QUORUM IS PRESENT, PLEASE SEND IN YOUR
APPOINTMENT OF PROXY WHETHER OR NOT YOU PLAN TO ATTEND THE SPECIAL MEETING. EVEN
IF YOU SEND IN YOUR APPOINTMENT OF PROXY, YOU WILL BE ABLE TO VOTE IN PERSON AT
THE MEETING IF YOU SO DESIRE.