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): August 14, 2002



                         CCBT Financial Companies, Inc.
               (Exact name of Registrant as specified in charter)



 Massachusetts                      000-25381                   04-3437708
 -------------                      ---------                   ----------
(State or other jurisdiction    (Commission file number)       (IRS employer
 of incorporation)                                          identification no.)




             495 Station Avenue, South Yarmouth, Massachusetts 02664
             -------------------------------------------------------
               (Address of principal executive offices) (Zip Code)



                                 (508)-394-1300
                                 --------------
              (Registrant's telephone number, including area code)

                                       N/A
                                       ---

              (Former name, former address and former fiscal year,
                          if changed since last report)




Item 9. Regulation FD Disclosure.

     On August 14, 2002, in connection with the filing by CCBT Financial
Companies, Inc. (the "Company") of its Quarterly Report on Form 10-Q for the
quarter ended June 30, 2002 (the "Report"), the Chief Executive Officer and the
Chief Financial Officer of the Company each certified, pursuant to 18 U.S.C.
Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of
2002, that:

     (1)  The Report fully complies with the requirements of Section 13(a) or
          15(d) of the Securities Exchange Act of 1934; and


     (2)  The information contained in the Report fairly presents, in all
          material respects, the financial condition and results of operations
          of the Company.








                                   SIGNATURES

     Pursuant to the requirements of Section 12 of the Securities Exchange Act
of 1934, as amended, the Company has duly caused this report to be filed on its
behalf by the undersigned, thereunto duly authorized.


                                 CCBT Financial Companies, Inc.


Dated: August 14, 2002           By: /s/ STEPHEN B. LAWSON
                                    --------------------------------------------
                                 Name:  Stephen B. Lawson
                                 Title:   President and Chief Executive Officer



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