Capitol Bancorp (CBCRQ) 10-K 2003 FY Annual report

Exhibit 10(d4)

SIXTH AMENDMENT TO THE
CAPITOL BANCORP LTD.
EMPLOYEE STOCK OWNERSHIP PLAN

     The Capitol Bancorp Ltd. Employee Stock Ownership Plan is hereby amended effective July 1, 2002 by adding the following participating employers at the end of the list therein contained:

Name of	Type of	State of	Date of
Employer	Entity	Organization	Participation
Bank of Tucson	Banking Corp.	Arizona	July 1, 2002
Valley First Community Bank	Banking Corp.	Arizona	July 1, 2002
Camelback Community Bank	Banking Corp.	Arizona	July 1, 2002
Southern Arizona Community Bank	Banking Corp.	Arizona	July 1, 2002
Mesa Bank	Banking Corp.	Arizona	July 1, 2002
East Valley Community Bank	Banking Corp.	Arizona	July 1, 2002
Arrowhead Community Bank	Banking Corp.	Arizona	July 1, 2002

	CAPITOL BANCORP LIMITED
Dated: July 1, 2002	By:	/s/ Joseph D. Reid
		Joseph D. Reid
		Chairman and CEO
	BANK OF TUCSON
Dated: July 1, 2002	By:	/s/ Michael Hannley
		Michael Hannley
		President and CEO
	VALLEY FIRST COMMUNITY BANK
Dated: July 1, 2002	By:	/s/ Judy Egan
		Judy Egan
		President
	CAMELBACK COMMUNITY BANK
Dated: July 1, 2002	By:	/s/ Barbara Ralston
		Barbara Ralston
		President

	SOUTHERN ARIZONA COMMUNITY BANK
Dated: July 1, 2002	By:	/s/ John P. Lewis
		John P. Lewis
		President
	MESA BANK
Dated: July 1, 2002	By:	/s/ Neil Barna
		Neil Barna
		President
	EAST VALLEY COMMUNITY BANK
Dated: July 1, 2002	By:	/s/ Gerry Smith
		Gerry Smith
		President
	ARROWHEAD COMMUNITY BANK
Dated: July 1, 2002	By:	/s/ Arlene Kulzer
		Arlene Kulzer
		President