Exhibit 10(d4)

SIXTH AMENDMENT TO THE
CAPITOL BANCORP LTD.
EMPLOYEE STOCK OWNERSHIP PLAN

     The Capitol Bancorp Ltd. Employee Stock Ownership Plan is hereby amended
effective July 1, 2002 by adding the following participating employers at the
end of the list therein contained:

              Name of   Type of   State of   Date of Employer

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  Entity

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  Organization

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  Participation

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Bank of Tucson
  Banking Corp.   Arizona   July 1, 2002
Valley First Community Bank
  Banking Corp.   Arizona   July 1, 2002
Camelback Community Bank
  Banking Corp.   Arizona   July 1, 2002
Southern Arizona Community Bank
  Banking Corp.   Arizona   July 1, 2002
Mesa Bank
  Banking Corp.   Arizona   July 1, 2002
East Valley Community Bank
  Banking Corp.   Arizona   July 1, 2002
Arrowhead Community Bank
  Banking Corp.   Arizona   July 1, 2002

            CAPITOL BANCORP LIMITED
    Dated: July 1, 2002  By:   /s/ Joseph D. Reid         Joseph D. Reid       
Chairman and CEO        BANK OF TUCSON
    Dated: July 1, 2002  By:   /s/ Michael Hannley         Michael Hannley     
  President and CEO        VALLEY FIRST COMMUNITY BANK
    Dated: July 1, 2002  By:   /s/ Judy Egan         Judy Egan        President 
      CAMELBACK COMMUNITY BANK
    Dated: July 1, 2002  By:   /s/ Barbara Ralston         Barbara Ralston     
  President   

 

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            SOUTHERN ARIZONA COMMUNITY BANK
    Dated: July 1, 2002  By:   /s/ John P. Lewis         John P. Lewis       
President        MESA BANK
    Dated: July 1, 2002  By:   /s/ Neil Barna         Neil Barna       
President        EAST VALLEY COMMUNITY BANK
    Dated: July 1, 2002  By:   /s/ Gerry Smith         Gerry Smith       
President        ARROWHEAD COMMUNITY BANK
    Dated: July 1, 2002  By:   /s/ Arlene Kulzer         Arlene Kulzer       
President