Chetnik uprisings , often in conjunction with the Partisans , against Axis occupation forces began in early July 1941 in Western Serbia . Uprisings in the areas of Loznica , Rogatica , Banja Koviljača and Olovo lead to early victories . On 19 September 1941 , Tito and Mihailović met for the first time in Struganik where Tito offered Mihailović the chief-of-staff post in return for the merger of their units . Mihailović refused to attack the Germans , fearing reprisals , but promised to not attack the Partisans . According to Mihailović the reason was humanitarian : the prevention of German reprisals against Serbs at the published rate of 100 civilians for every German soldier killed , 50 civilians for every soldier wounded . On 20 October , Tito proposed a 12-point program to Mihailović as the basis of cooperation . Six days later , Tito and Mihailović met at Mihailović 's headquarters where Mihailović rejected principal points of Tito 's proposal including the establishment of common headquarters , joint military actions against the Germans and quisling formations , establishment of a combined staff for the supply of troops , and the formation of national liberation committees . These disagreements lead to uprisings being quashed in Montenegro and Novi Pazar due to poor coordination between the resistance forces . Mihailović 's fears for ongoing reprisals became a reality with two mass murder campaigns conducted against Serb civilians in Kraljevo and Kragujevac , reaching a combined death toll of over 4,500 civilians . Reprisals in the NDH were also in full swing with thousands of Serb civilians being killed by the Ustashe . In late October , Mihailović concluded the Partisans , rather than Axis forces , were the primary enemies of the Chetniks
Kragujevac
Kragujevac massacre
Chetniks