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                                                                    EXHIBIT 31.2

                  CERTIFICATION OF PRINCIPAL FINANCIAL OFFICER


I, Frank D. Blowers, certify that:

         1.   I have reviewed this quarterly report on Form 10-QSB of Michigan
              Community Bancorp Limited;

         2.   Based on my knowledge, this quarterly report does not contain any
              untrue statement of material fact or omit to state a material fact
              necessary to make the statements made, in light of the
              circumstances under which such statements were made, not
              misleading with respect to the period covered by this quarterly
              report;

         3.   Based on my knowledge, the financial statements, and other
              financial information included in this quarterly report, fairly
              present in all material respects the financial condition, results
              of operations and cash flows of the registrant as of, and for, the
              periods presented in this quarterly report;

         4.   The registrant's other certifying officer and I are responsible
              for establishing and maintaining disclosure controls and
              procedures (as defined in Exchange Act Rules 13a-15(e) and
              15d-15(e)) for the registrant and have:

              a.  Designed such disclosure controls and procedures, or caused
                  such disclosure controls and procedures to be designed under
                  our supervision, to ensure that material information relating
                  to the registrant, including its consolidated subsidiaries, is
                  made known to us by others within those entities, particularly
                  during the period in which this quarterly report is being
                  prepared;

              b.  [intentionally omitted]

              c.  Evaluated the effectiveness of the registrant's disclosure
                  controls and procedures and presented in this report our
                  conclusions about the effectiveness of the disclosure controls
                  and procedures, as of the end of the period covered by this
                  report based on such evaluation; and

              d.  Disclosed in this report any change in the registrant's
                  internal control over financial reporting that occurred during
                  registrant's most recent fiscal quarter (registrant's fourth
                  fiscal quarter in the case of an annual report) that has
                  materially affected, or is reasonably likely to materially
                  affect, registrant's internal control over financial
                  reporting; and

         5.   The registrant's other certifying officer and I have disclosed,
              based on our most recent evaluation of internal control over
              financial reporting, to the


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              registrant's auditors and the audit committee of the registrant's
              board of directors (or persons performing the equivalent
              functions);

              c.  All significant deficiencies and material weaknesses in the
                  design or operation of internal control over financial
                  reporting which are reasonably likely to affect the
                  registrant's ability to record, process, summarize and report
                  financial information; and

              d.  Any fraud, whether or not material, that involves management
                  or other employees who have a significant role in the
                  registrant's internal controls over financial reporting.



/s/      Frank D. Blowers
   ---------------------------------
         Frank D. Blowers
         President and Chief Operating Officer
         (Principal Financial Officer)
         November 12, 2003


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