CAPITOL BANCORP LTD
S-4, EX-23.1.B, 2000-11-16
NATIONAL COMMERCIAL BANKS
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                                                                   Exhibit 23.1b

CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS

Muskegon Commerce Bank
Muskegon, Michigan

We hereby consent to the use in the Prospectus constituting a part of the
Registration Statement on Form S-4 of Capitol Bancorp Ltd. of our report dated
January 31, 2000 relating to the financial statements of Muskegon Commerce Bank
which is contained in that Prospectus. We also consent to the reference to us
under the caption "Experts" in the Prospectus.

/s/ BDO SEIDMAN, LLP

Grand Rapids, Michigan
November 16, 2000


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