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                                                                    EXHIBIT 10.7


                              EMPLOYMENT AGREEMENT

         AGREEMENT made and entered into this 23rd day of November, 1998, but as
of the Effective Date hereinafter defined, by and between Sun Community Bancorp
Limited, an Arizona corporation hereinafter referred to as "Corporation", and
John S. Lewis hereinafter referred to as "Employee";

         WHEREAS, the Corporation has retained the services of the Employee as
president, and the Employee has accepted such employment; and

         WHEREAS, the parties desire to enter into this Agreement, which is
intended to set forth in its entirety the terms and conditions of the employment
relationship between the Corporation and the Employee; and

         NOW, THEREFORE, IT IS AGREED as follows:

         1. EMPLOYMENT. The Employee is employed to render such services to the
Corporation as directed by the chief executive officer. Employee's current
assignment carries the title of president of the Corporation.

         2. COMPENSATION. The Corporation shall pay the Employee during the term
of this Agreement a salary of One Hundred Fifty Thousand Dollars per annum,
commencing on the effective date as hereinafter defined. The salary provided
herein shall be payable in accordance with the periodic payment procedures for
all employees of the Corporation. The Employee's salary shall be subject to the
usual withholding taxes required with respect to compensation paid by a
corporation to an employee. The Employee's salary shall be reviewed by the
Corporation annually and may be increased, but not decreased, from time to time
in such amounts as the Corporation in its absolute discretion may determine.

         3. DISCRETIONARY BONUSES. In addition to the salary provided for in
Section 2, the Employee shall be entitled to participate in discretionary
bonuses as may be from time to time authorized and declared by the board of
directors of the Corporation to its executive employees. No other compensation
provided for in this Agreement shall be deemed a substitute for the Employee's
right to participate in such bonuses when and as declared by the board of
directors.

         4. RETIREMENT, EMPLOYEE BENEFIT PLANS AND FRINGE BENEFITS. The Employee
shall be eligible to participate in fringe benefits which may be or may later
become applicable to the Corporation's executive employees, including but not
limited to the following: membership in various social, business and trade
organizations; a reasonable expense account; the payment of reasonable expenses
for attending annual and periodic meetings of trade associations and monthly
meetings of the board of directors of the Corporation; use of a company
automobile/or
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an allowance for same; and any other benefits which are commensurate with the
responsibilities and functions to be performed by the Employee under this
agreement.

         5. TERM. The initial term of employment under this Agreement shall be
for a period of five (5) years, commencing on the Effective Date hereof.
Commencing on the first anniversary date of the Effective Date, this Agreement
shall be extended automatically for a period of one (1) year unless either the
Corporation or the Employee gives contrary written notice in accordance with
Paragraph 8 herein. Each year thereafter, on the anniversary date of the
Effective Date, the Agreement shall be extended automatically unless terminated
in accordance with the terms of this paragraph. This paragraph shall be governed
by the terms and conditions set forth in the "Termination of Employment"
provisions set forth in Paragraph 8 of this Agreement.

         6. EFFECTIVE DATE. For the purpose of this Agreement, the "Effective
Date" is the date upon which the Employee shall enter upon the performance of
his duties, which is agreed to be February 1, 1999.

         7. STANDARDS. The Employee shall perform his duties under this
Agreement in accordance with the high standards of fiduciary responsibility
applicable to financial institutions in carrying out their respective
responsibilities to their depositors, customers, and shareholders. These
standards shall conform to the high standards of conduct imposed by any and
every regulatory body having jurisdiction over the Corporation. Performance
standards for the Employee may be established from time to time by the chief
executive officer of the Corporation, and are hereby incorporated within the
terms of this Agreement. It is recognized that the Corporation shall have wide
latitude in defining performance standards so as to ensure the safe and sound
operation of its business endeavors.

         8.  TERMINATION OF EMPLOYMENT.

             (a) The Employee's employment under this Agreement may be
         terminated at any time by the board of directors of the Corporation,
         with or without cause (as defined below). Any termination by the
         Corporation without cause shall not prejudice the Employee's right to
         receive compensation in accordance with Section 2 of this Agreement for
         one (1) year from and after the termination. The Employee shall not,
         however, receive compensation pay in the event of his retirement,
         death, or disability. The Employee shall have no right to receive
         compensation or any other remuneration whatsoever under this Agreement
         for any period after voluntary termination or termination for cause.
         For purposes of this Agreement, for "cause" shall mean termination for
         any of the following reasons:

                  (i)      Personal dishonesty materially affecting the
                           Corporation or any affiliate;

                  (ii)     Willful misconduct;

                  (iii)    Willful breach of a fiduciary duty involving personal
                           profit;
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                  (iv)     Intentional failure to perform stated duties;

                  (v)      Willful violation of any law, rule, or regulation
                           relating to the operation of the Corporation or any
                           of its affiliates;

                  (vi)     The order of any court or supervising agency with
                           jurisdiction over the affairs of the Corporation or
                           any subsidiary;

                  (vii)    The Employee's violation of any provision of this
                           Agreement; or

                  (viii)   Unauthorized acts outside the scope of employment
                           which tend to disparage the Corporation or lessen its
                           good will.

                  (b) This Agreement may be terminated by the Employee at any
         time upon ninety (90) days' written notice to the Corporation or upon
         such shorter period as may be agreed upon between the Employee and the
         board of directors of the Corporation. In the event of such
         termination, the Corporation shall be obligated only to continue to pay
         the Employee's salary and provide the other benefits provided by this
         Agreement up to the date of the termination.

                  (c) In the event of the death of the Employee during the term
         of this Agreement, the Employee's estate shall be entitled to receive
         the salary due the Employee through the last day of the calendar month
         in which his death shall have occurred.

                  (d) If the Employee is temporarily prohibited from
         participating in the conduct of the Corporation's affairs at the
         request of or by the order of any court or supervising agency with
         jurisdiction over the Corporation, the Corporation's obligations under
         this Agreement shall not terminate and the Employee shall be placed on
         administrative leave with or without pay in the discretion of the board
         of directors. If the charges in the proceeding out of which such
         request or order is issued mature into a permanent prohibition order,
         unless stayed by appropriate proceedings, the Corporation's obligations
         hereunder shall terminate as of the effective date of such permanent
         order.

                  (e) All obligations under this Agreement may be terminated,
         except to the extent determined that continuation of the Agreement is
         necessary for the continued operation of the Corporation:

                      (i) By the Federal Deposit Insurance Corporation ("FDIC")
                  at the time the FDIC enters into an agreement to provide
                  assistance to or on behalf of the Corporation or any
                  affiliate; and

                     (ii) By the Federal Reserve Board ("FRB"), or any other
                  agency, at the time the FRB approves a supervisory merger to
                  resolve problems related to the operation of the Corporation
                  or any affiliate or when the Corporation is determined by the
                  FRB to be in an unsafe or unsound condition.
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         9.  EMPLOYMENT OPTIONS. The Employee has been granted employment
options equal to 3.5% of the total issued shares of common stock of the
Corporation. The number of employment options shall be adjusted in accordance
with any subsequent issue of common stock so as to reflect additional options in
the amount of 3.5% of the subsequent issues. The exercise price of the stock
options shall equal the current market price of the stock at the time new shares
are issued. The duration of each stock option shall be for a period of ten years
from and after the date of issue.

             The board of directors of Sun Community Bancorp Limited retains the
right to terminate employee's right to future stock options based on future
issues of common shares but only in the event that the board also terminates the
right of the CEO to future stock options.

             Stock options awarded to the Employee pursuant to this Agreement
shall initially be calculated as follows: (.035 x total outstanding shares of
common stock of the Corporation = stock options.) The price per share on the
effective date of this Agreement shall be $10.00 per share. The exercise date
for the initial issuance of stock options shall be December 31, 2008.

             The Corporation retains the right to repurchase all issued and
unexercised stock options granted to the Employee at a price of $.10 per option
for a period of five years from and after the date of issuance in accordance
with the stock option plan adopted by the board of directors on November 20,
1998.

         10. SALE OF THE CORPORATION. Although not intended by either party, the
sale of the Corporation during the term of employment is recognized as a
possibility.

             In the event that the Corporation is sold to Capitol Bancorp Ltd.,
then, each of the options owing to the Employee shall be converted into options
of the acquiror applying the same ratio and to the same extent that stock of the
Corporation is converted into stock of the acquiror. In the event of sale to a
third party, then the right of repurchase is void.

         11. NO ASSIGNMENTS. This Agreement is personal to each of the parties
hereto, and neither party may assign or delegate any of the rights or
obligations hereunder without first obtaining the written consent of the other
party.

         12. NOTICES. Any notices under this Agreement shall be deemed given
when in writing and delivered personally or sent by certified mail, postage
prepaid, to the last known address of the party to whom notice is given. If sent
by mail, notice shall be deemed given on the second day after mailing.

         13. AMENDMENTS. No amendments or additions to this Agreement shall be
binding unless in writing and signed by both parties, except as herein otherwise
provided.

         14. PARAGRAPH HEADINGS. The paragraph headings used in this Agreement
are included solely for convenience and shall not affect or be used in
connection with the interpretation of this Agreement.

         15. SEVERABILITY. The provisions of this Agreement shall be deemed
severable, and the invalidity or unenforceability of any provision shall not
affect the validity or enforceability of 
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the other provisions hereof.

         16. ARBITRATION. Any controversy or claim arising out of or relating to
this contract, or the breach thereof, shall be settled by arbitration
administered by the American Arbitration Association in accordance with its
Commercial Arbitration rules, and judgment on the award rendered by the
arbitrator(s) may be entered in any court having jurisdiction thereof.

         IN WITNESS WHEREOF, the parties have executed this Agreement on the day
and year first above written.

                               EMPLOYER:

                               SUN COMMUNITY BANCORP LIMITED

                               By
                                  ---------------------------------------------
                                        Joseph D. Reid

                               Its:     Chairman, President and Chief Executive
                                        Officer

                               EMPLOYEE:

                               ------------------------------------------------
                                        John S. Lewis