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                                                                    EXHIBIT 31.1

                    CERTIFICATION OF CHIEF EXECUTIVE OFFICER


I, J. William Sumner, certify that:

     1.  I have reviewed this quarterly report on Form 10-Q 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);

         a.   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

         b.   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/      J. William Sumner
   ---------------------------------
         J. William Sumner
         Chief Executive Officer
         August 13, 2003






























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