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): January 20, 2004

People's Community Capital Corporation
(Exact name of registrant
as specified in its charter)

South Carolina	333-25179	58-2287073
(State or other	(Commission	(I.R.S. Employer
jurisdiction of	File Number)	Identification No.)
incorporation)

125 Park Avenue, S.W., Aiken, South Carolina 29801
(Address of principal executive offices) (Zip Code)

Registrant's telephone number, including area code: (803) 641-0142

Not Applicable
(Former name or former address, if changed since last report.)

INFORMATION TO BE INCLUDED IN THE REPORT

Item 7. Financial Statements. Pro Forma Financial Information and Exhibits.

Exhibit No. Exhibit

99.1 Press Release of People's Community Capital Corporation dated January 20, 2004.

Item 12. Results of Operations and Financial Condition.

On January 20, 2004, People’s Community Capital Corporation, holding company for People’s Community Bank, issued a press release announcing its financial results for the year ended December 31, 2003. A copy of the press release is attached hereto as Exhibit 99.1.

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 hereunto duly authorized.

PEOPLE'S COMMUNITY CAPITAL CORPORATION

By:    /s/ Tommy B. Wessinger
Name:  Tommy B. Wessinger
Title:    Chief Executive Officer

Dated: January 21, 2004

EXHIBIT INDEX

Exhibit Number Description

99.1 Earnings Press Release for the year ended December 31, 2003

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

PEOPLES COMMUNITY CAPITAL CORP 8-K