8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) February 28, 2006

COMMUNITY CENTRAL BANK CORPORATION

(Exact name of registrant as specified in its charter)

Michigan
(State or other jurisdiction of
incorporation) 000-33373
(Commission File No.) 38-3291744
(IRS Employer jurisdiction
Identification Number)

P.O. Box 7, Mount Clemens, Michigan 48046-0007

(Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code:       (586) 783-4500

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

TABLE OF CONTENTS

Investor Presentation Materials

Item 7.01. Regulation FD Disclosure

Forward-Looking Statements

     When used in this Current Report on Form 8-K and in other reports filed with or furnished to the Securities and Exchange Commission, in press releases or other public shareholder communications, or in oral statements made with the approval of an authorized executive officer, the words or phrases “believe,” “will likely result,” “are expected to,” “will continue,” “is anticipated,” “estimate,” “project,” “plans,” or similar expressions are intended to identify “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. You are cautioned not to place undue reliance on any forward-looking statements, which speak only as of the date made. These statements may relate to our future financial performance, strategic plans or objectives, revenues or earnings projections, or other financial items. By their nature, these statements are subject to numerous uncertainties that could cause actual results to differ materially from those anticipated in the statements. Important factors that could cause actual results to differ materially from the results anticipated or projected include, but are not limited to, the following: expected cost savings and synergies from our acquisition activities might not be realized within the expected time frames, and costs or difficulties related to integration matters might be greater than expected; expenses associated with the implementation of our trust and wealth management services might be greater than expected, whether due to a possible need to hire more employees than anticipated or other costs incurred in excess of budgeted amounts; the credit risks of lending activities, including changes in the level and direction of loan delinquencies and write-offs and changes in estimates of the adequacy of the allowance for loan losses; competitive pressures among depository institutions; interest rate movements and their impact on customer behavior and net interest margin; the impact of repricing and competitors’ pricing initiatives on loan and deposit products; the ability to adapt successfully to technological changes to meet customers’ needs and developments in the market place; our ability to access cost-effective funding; changes in financial markets; changes in economic conditions in general and particularly as related to the automotive and related industries in the Detroit metropolitan area; new legislation or regulatory changes, including but not limited to changes in federal and/or state tax laws or interpretations thereof by taxing authorities; changes in accounting principles, policies or guidelines; and our future acquisitions of other depository institutions or lines of business.

     Community Central Bank Corporation does not undertake any obligation to update any forward-looking statement to reflect circumstances or events that occur after the date on which the forward-looking statement is made.

     Investor presentation materials are attached to this Form 8-K as an exhibit.

SIGNATURES

     Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned thereunto duly authorized.

	COMMUNITY CENTRAL BANK CORPORATION
Date: February 28, 2006	By:	/s/ Ray T. Colonius
		Ray T. Colonius
		(Duly Authorized Officer) Chief Financial Officer

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Exhibit Index

Exhibit
Number			Description of Exhibit
	99.1	Investor Presentation Materials.

4

EX-99.1

EXHIBIT 99.1

Midwest 2006 Super Community Bank Conference February 28, 2006

Forward-Looking Statements When used in this presentation or in oral statements made with the approval of an authorized executive officer, the words or phrases "believe," "will likely result," "are expected to," "will continue," "is anticipated," "estimate," "project," "plans," or similar expressions are intended to identify "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. You are cautioned not to place undue reliance on any forward-looking statements, which speak only as of the date made. These statements may relate to our future financial performance, strategic plans or objectives, revenues or earnings projections, or other financial items. By their nature, these statements are subject to numerous uncertainties that could cause actual results to differ materially from those anticipated in the statements. Important factors that could cause actual results to differ materially from the results anticipated or projected are detailed in the Company's filings with the Securities and Exchange Commission. Community Central Bank Corporation does not undertake any obligation to update any forward-looking statement to reflect circumstances or events that occur after the date on which the forward-looking statement is made.

New Headquarters Opened April 2005

CCBD Profile Opened in 4th quarter of 1996 Listed on the Nasdaq National Market under CCBD Only Publicly-Owned Bank Holding Company headquartered in Macomb County, Michigan Started Community Central Mortgage Company, LLC in 2001 contributing to consolidated net income from inception Acquired River Place Financial Corporation in June 2005 establishing a solid foundation for full trust and wealth management services Only Trust Company headquartered in Macomb County, Michigan

Current Highlights Record Earnings in 2005 Total Assets increased to $462 million Total loans increased to $335 million Acquisition of River Place Financial - Trust Services Expansion into Wealth Management Services Expanding geographic footprint Grosse Pointe Hub servicing affluent customer base New Commercial lenders serving Rochester and Grosse Pointe markets Expansion of Residential LPO's into North Carolina and Florida

Geographic Footprint (1) Full Service Hub (1) Dominant market share of deposits in Mount Clemens, MI - 36% - based on FDIC 6-30-2005 data

Demographics Summary Population Changes CCBD MI Midwest US Polulation Chg 0.0591 0.0408 0.0348 0.0626 CCBD based on demographics on Macomb and Oakland Counties, MI Source SNL Financial, LC Projected Change in Population 2005- 2010 (%)

Demographics Summary Household Income Projections CCBD MI Midwest US Median Household Income 74086 55606 56879 58383 CCBD based on demographics on Macomb and Oakland Counties, MI Source SNL Financial, LC Projected Median Household Income in 2010

Business Lines Business Lines

Expansion into Trust and Wealth Services Acquisition of River Place Financial provided an established base to grow versus starting trust operations as a de novo Unique opportunity for CCBD- We are the only trust company headquartered in Macomb County Established referral base (nuggets) from local legal and accounting professionals in our community Strong referral base from Board of Directors Talented and experienced trust officers New executive recruited for Wealth Management services with an established base of high net-worth clients

2005 Results

Solid Asset Growth 2001 2002 2003 2004 2005 Total Assets 235 288 358 392 462

Solid Loan Growth 2001 2002 2003 2004 2005 Total Loans 154211 204049 270828 305439 334951

Lending focused on our Core Customers Commercial R/E Commercial and Industrial Residential R/E Home Equity Consumer Commercial 0.601 0.08 0.223 0.055 0.041 87.9% of total portfolio secured by real estate

Credit Quality Net Charge Offs as a Percentage of Average Loans 2001 2002 2003 2004 2005 Net Chg Offs 0.0013 0.0018 0.0003 0.0074 -0.0003

Credit Quality Nonperforming Assets as a Percentage of Total Assets 2001 2002 2003 2004 2005 Nonperforming Assets 0.011 0.0041 0.0024 0.0037 0.0074

Deposit Growth 2001 2002 2003 2004 2005 (1) Deposits as of 12-31-2005 comprised 10% Demand, 7% NOW, 6% Money Market, 4% Savings, 73% Time Deposits (1)

Net Income Growth In thousands of dollars 2001 2002 2003 2004 2005 Net Income 1626 1810 2105 2207 3307

Earnings Per Share Growth 2001 2002 2003 2004 2005 0.56 0.62 0.7 0.73 0.86 Based on weighted average fully diluted shares adjusted for stock dividends

Investment Opportunity 2005 EPS $.86 Price*/ Book 122% Price*/Tangible Book 128% Price*/ 2005 earnings 13.8x Based on the closing price of CCBD of $11.90 on Feb 14, 2006

Comparative Returns % chg from 12-31-2000 to 12-31-2005 CCBD NASDAQ Bank Index NASDAQ Composite

Midwest 2006 Super Community Bank Conference February 28, 2006