<DOCUMENT>
<TYPE>EX-21
<SEQUENCE>3
<FILENAME>ex-21.txt
<TEXT>
                                                                      Exhibit 21

                                  Subsidiaries

                                  Capital Bank
                                (North Carolina)

                     Capital Bank Investment Services, Inc.
                                (North Carolina)

                         Capital Bank Statutory Trust I
                                   (Delaware)

                         Capital Bank Statutory Trust II
                                   (Delaware)


                                     - 64 -


</TEXT>
</DOCUMENT>