Exhibit 10 (b7-1)
AMENDMENT TO THE
CAPITOL BANCORP, LTD.
EMPLOYEE SAVINGS AND STOCK OWNERSHIP PLAN
AMENDMENT NUMBER 21
     The Capitol Bancorp, Ltd. Employee Savings and Stock Ownership Plan is
hereby amended effective January 25, 2005 adding the following participating
employer at the end of the list contained:

              Name of   Type of   State of   Date of Employer   Entity  
Organization   Participation
Point Loma Community Bank
  Bank   California   1/1/2005

                  CAPITOL BANCORP LIMITED    
 
           
Dated: January 25, 2005
  By:   /s/ Joseph D. Reid
 
     Joseph D. Reid    
 
           Chairman and CEO    
 
                POINT LOMA COMMUNITY BANK    
 
           
Dated: January 25, 2005
  By:   /s/ Anthony Calabrese
 
     Anthony Calabrese    
 
           President and CEO    

 

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Exhibit 10 (b7-2)
AMENDMENT TO THE
CAPITOL BANCORP, LTD.
EMPLOYEE SAVINGS AND STOCK OWNERSHIP PLAN
AMENDMENT NUMBER 22
     The Capitol Bancorp, Ltd. Employee Savings and Stock Ownership Plan is
hereby amended effective June 1, 2005 adding the following participating
employer at the end of the list contained:

              Name of   Type of   State of   Date of Employer   Entity  
Organization   Participation
Peoples State Bank
  Bank   Georgia   6/1/2005

                  CAPITOL BANCORP LIMITED    
 
           
Dated: June 8, 2005
  By:   /s/ Joseph D. Reid
 
     Joseph D. Reid    
 
           Chairman and CEO    
 
                PEOPLES STATE BANK    
 
           
Dated: June 8, 2005
  By:   /s/ Steve D. Watts
 
     Steve D. Watts    
 
           President    

 

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Exhibit 10 (b7-3)
AMENDMENT TO THE
CAPITOL BANCORP, LTD.
EMPLOYEE SAVINGS AND STOCK OWNERSHIP PLAN
AMENDMENT NUMBER 23
     The Capitol Bancorp, Ltd. Employee Savings and Stock Ownership Plan is
hereby amended effective July 1, 2005 adding the following participating
employer at the end of the list contained:

              Name of   Type of   State of   Date of Employer   Entity  
Organization   Participation
Bank of Michigan
  Bank   Michigan   7/1/2005

                  CAPITOL BANCORP LIMITED    
 
           
Dated: June 8, 2005
  By:   /s/ Joseph D. Reid
 
     Joseph D. Reid    
 
           Chairman and CEO    
 
                BANK OF MICHIGAN    
 
           
Dated: June 8, 2005
  By:   /s/ George F. Mochmar
 
     George F. Mochmar    
 
           President and CEO    

 

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Exhibit 10 (b7-4)
AMENDMENT TO THE
CAPITOL BANCORP, LTD.
EMPLOYEE SAVINGS AND STOCK OWNERSHIP PLAN
AMENDMENT NUMBER 24
     The Capitol Bancorp, Ltd. Employee Savings and Stock Ownership Plan is
hereby amended effective June 22, 2005 adding the following participating
employer at the end of the list contained:

              Name of   Type of   State of   Date of Employer   Entity  
Organization   Participation
Bank of Bellevue
  Bank   Washington   6/22/2005

                  CAPITOL BANCORP LIMITED    
 
           
Dated: June 22, 2005
  By:   /s/ Cristin Reid English
 
     Cristin Reid English    
 
           Chief Operating Officer    
 
                BANK OF BELLEVUE    
 
           
Dated: June 22, 2005
  By:   /s/ Andrew Barlass
 
     Andrew Barlass    
 
           President    

 

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Exhibit 10 (b7-5)
AMENDMENT TO THE
CAPITOL BANCORP, LTD.
EMPLOYEE SAVINGS AND STOCK OWNERSHIP PLAN
AMENDMENT NUMBER 25
     The Capitol Bancorp, Ltd. Employee Savings and Stock Ownership Plan is
hereby amended effective July 12, 2005, 2005 adding the following participating
employer at the end of the list contained:

              Name of   Type of   State of   Date of Employer   Entity  
Organization   Participation
Bank of Auburn Hills
  Bank   Michigan   7/12/2005

                  CAPITOL BANCORP LIMITED    
 
           
Dated: July 12, 2005
  By:   /s/ Cristin Reid English
 
     Cristin Reid English    
 
           Chief Operating Officer    
 
                BANK OF AUBURN HILLS    
 
           
Dated: July 12, 2005
  By:   /s/ Neal Searle
 
     Neal Searle    
 
           President    

 

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Exhibit 10 (b7-6)
AMENDMENT TO THE
CAPITOL BANCORP, LTD.
EMPLOYEE SAVINGS AND STOCK OWNERSHIP PLAN
AMENDMENT NUMBER 26
     The Capitol Bancorp, Ltd. Employee Savings and Stock Ownership Plan is
hereby amended effective September 6, 2005 adding the following participating
employer at the end of the list contained:

              Name of   Type of   State of   Date of Employer   Entity  
Organization   Participation
Capitol Bancorp Leasing, Inc.
  Leasing   Michigan   9/6/2005

                  CAPITOL BANCORP LIMITED    
 
           
Dated: September 6, 2005
  By:   /s/ Cristin Reid English
 
     Cristin Reid English    
 
           Chief Operating Officer    
 
                CAPITOL BANCORP LEASING, INC.    
 
           
Dated: September 6, 2005
  By:   /s/ Lee Hendrickson
 
     Lee Hendrickson    
 
           Chief Financial Officer