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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-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);

              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)
         August 13, 2003


















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