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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

Under the Securities Exchange Act of 1934
(Amendment No. )*

MICHIGAN HERITAGE BANCORP, INC.

(Name of Issuer)

COMMON STOCK

(Title of Class of Securities)

59451T

(CUSIP Number)

JANUARY 2, 2005

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

o Rule 13d-1 (b)

þ Rule 13d-1 (c)

o Rule 13d-1 (d)

*The remainder of this cover page shall be filled out for a reporting person’s initial filing on this form with respect to the subject class of securities, and for any subsequent amendment containing information which would alter the disclosures provided in a prior cover page.

The information required in the remainder of this cover page shall not be deemed to be “filed” for the purpose of Section 18 of the Securities Exchange Act of 1934 or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the notes).


13G
CUSIP No. 59451T

	1.	Name of Reporting Person: HOT CREEK CAPITAL, L.L.C.			I.R.S. Identification Nos. of above persons (entities only):

	2.	Check the Appropriate Box if a Member of a Group:
		(a)	o
		(b)	o

	3.	SEC Use Only:

	4.	Citizenship or Place of Organization: Nevada

Number of Shares Beneficially Owned by Each Reporting Person With
			5.	Sole Voting Power: 0

			6.	Shared Voting Power: 75,600

			7.	Sole Dispositive Power: 0

			8.	Shared Dispositive Power: 75,600

	9.	Aggregate Amount Beneficially Owned by Each Reporting Person: 75,600

	10.	Check if the Aggregate Amount in Row (9) Excludes Certain Shares: o

	11.	Percent of Class Represented by Amount in Row (9): 5.1%

	12.	Type of Reporting Person: OO


13G
CUSIP No. 59451T

	1.	Name of Reporting Person: HOT CREEK INVESTORS, L.P.			I.R.S. Identification Nos. of above persons (entities only):

	2.	Check the Appropriate Box if a Member of a Group:
		(a)	o
		(b)	o

	3.	SEC Use Only:

	4.	Citizenship or Place of Organization: Nevada

Number of Shares Beneficially Owned by Each Reporting Person With
			5.	Sole Voting Power: 0

			6.	Shared Voting Power: 75,600

			7.	Sole Dispositive Power: 0

			8.	Shared Dispositive Power: 75,600

	9.	Aggregate Amount Beneficially Owned by Each Reporting Person: 75,600

	10.	Check if the Aggregate Amount in Row (9) Excludes Certain Shares: o

	11.	Percent of Class Represented by Amount in Row (9): 5.1%

	12.	Type of Reporting Person: PN


13G
CUSIP No. 59451T

	1.	Name of Reporting Person: David M. W. Harvey			I.R.S. Identification Nos. of above persons (entities only):

	2.	Check the Appropriate Box if a Member of a Group:
		(a)	o
		(b)	o

	3.	SEC Use Only:

	4.	Citizenship or Place of Organization: U.S.A.

Number of Shares Beneficially Owned by Each Reporting Person With
			5.	Sole Voting Power: 0

			6.	Shared Voting Power: 75,600

			7.	Sole Dispositive Power: 0

			8.	Shared Dispositive Power: 75,600

	9.	Aggregate Amount Beneficially Owned by Each Reporting Person: 75,600

	10.	Check if the Aggregate Amount in Row (9) Excludes Certain Shares: o

	11.	Percent of Class Represented by Amount in Row (9): 5.1%

	12.	Type of Reporting Person: IN

Item 1:

(a) Name of Issuer:

Michigan Heritage Bancorp, Inc. (the “Issuer”)

(b) Address of Issuer’s Principal Executive Offices:

28300 Orchard Lake Road, Suite 200
Farmington Hills, Michigan 48334

Item 2:

(a) Name of Person Filing:

This Schedule 13G is being jointly filed by each of the following persons pursuant to Rule 13d-1(k)(1) promulgated by the Securities and Exchange Commission pursuant to Section 13 of the Securities Exchange Act of 1934, as amended (the “Act”): (i) Hot Creek Capital, L.L.C. (the “General Partner”), (ii) Hot Creek Investors, L.P. (“Investors”), and (iii) David M. W. Harvey, the principal member of the General Partner ((i), (ii), and (iii) being collectively, the “Filing Persons”). The Common Stock of the Issuer (the “Stock”) which is the subject of this Schedule 13G is held by Investors. The other Filing Persons are joining in this Schedule 13G because they exercise voting and investment power over the Stock held by Investors. The Filing Persons have entered into a Joint Filing Agreement, dated as of January 2, 2005, a copy of which is filed with this Schedule 13G as Exhibit A, pursuant to which the Filing Persons have agreed to file this statement jointly in accordance with the provisions of Rule 13d-1(k)(1) under the Act. The Filing Persons expressly disclaim that they have agreed to act as a group.

(b) Address of Principal Business Office or, if none, Residence:

6900 South McCarran Boulevard, Suite 3040
Reno, Nevada 89509

Nevada for Investors and the General Partner;
David M. W. Harvey is a citizen of the U.S.A.

(d) Title of Class of Securities:

Common Stock

(e) CUSIP Number:

59451T


Item 3:	Not applicable


Item 4:	Ownership.

(a) Amount beneficially owned:

75,600 shares of Stock may be deemed beneficially owned within the meaning of Rule 13d-3 of the Act by Investors, the General Partner, and David M. W. Harvey. The General Partner and David M. W. Harvey expressly disclaim direct and beneficial ownership of the shares of Stock reported as deemed to be beneficially owned by them.

Based on Form 10-QSB dated September 30, 2004, the Issuer had 1,492,964 shares of Stock issued and outstanding as of November 9, 2004. Accordingly, the 75,600 shares of Stock which may be deemed to be beneficially owned by Investors represent approximately 5.1 percent (5.1%) of the Issuer’s issued and outstanding Stock thereafter.

(b) Percent of class: 5.1%


(i) Sole power to vote or to direct the vote			0
(ii) Shared power to vote or to direct the vote			75,600
(iii) Sole power to dispose or to direct the disposition of			0
(iv) Shared power to dispose or to direct the disposition of			75,600


Item 5:	Ownership of Five Percent or Less of a Class.

Not applicable.


Item 6:	Ownership of More than Five Percent on Behalf of Another Person.

Not applicable.


Item 7:	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on By the Parent Holding Company.

Not applicable.


Item 8:	Identification and Classification of Members of the Group.

Not applicable.


Item 9:	Notice of Dissolution of Group.

Not applicable.


Item 10:	Certifications.

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.


	HOT CREEK CAPITAL, L.L.C.
Dated: January 2, 2005	By:	/s/ David M. W. Harvey
	Name:	David M. W. Harvey
	Title:	Managing Member

	HOT CREEK INVESTORS, L.P. By its General Partner HOT CREEK CAPITAL, L.L.C.
Dated: January 2, 2005	By:	/s/ David M. W. Harvey
	Name:	David M. W. Harvey
	Title:	Managing Member


Dated: January 2, 2005	By:	/s/ David M. W. Harvey
	Name:	David M. W. Harvey

Exhibit A

AGREEMENT REGARDING THE JOINT FILING
OF SCHEDULE 13G

The undersigned hereby agree as follows:

(i) Each of them is individually eligible to use the Schedule 13G to which this Exhibit is attached, and such Schedule 13G is filed on behalf of each of them; and

(ii) Each of them is responsible for the timely filing of such Schedule 13G and any amendments thereto, and for the completeness and accuracy of the information concerning such person contained therein; but none of them is responsible for the completeness or accuracy of the information concerning the other persons making the filing, unless such person knows or has reason to believe that such information is inaccurate.


	HOT CREEK CAPITAL, L.L.C.
Dated: January 2, 2005	By:	/s/ David M. W. Harvey
	Name:	David M. W. Harvey
	Title:	Managing Member

	HOT CREEK INVESTORS, L.P. By its General Partner HOT CREEK CAPITAL, L.L.C.
Dated: January 2, 2005	By:	/s/ David M. W. Harvey
	Name:	David M. W. Harvey
	Title:	Managing Member


Dated: January 2, 2005	By:	/s/ David M. W. Harvey
	Name:	David M. W. Harvey

MICHIGAN HERITAGE BANCORP INC SC 13G