SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549

                              ---------------------


                                    FORM 8-K

                                 CURRENT REPORT


                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934


                                 August 18, 2003
                        (Date of earliest event reported)

                         Commission file number: 0-20167

                       NORTH COUNTRY FINANCIAL CORPORATION
             (Exact name of registrant as specified in its charter)


MICHIGAN                                                      38-2062816
(State or other jurisdiction of                               (I.R.S. Employer
 incorporation or organization)                               Identification No)

130 SOUTH CEDAR STREET, MANISTIQUE, MI                        49854
(Address of principal executive offices)                      (Zip Code)

Registrant's telephone number, including area code: (800) 200-7032





ITEM 5. OTHER EVENTS AND REGULATION FD DISCLOSURE

         On August 21, 2003, North Country Financial Corporation, the holding
company for North Country Bank and Trust, issued a press release announcing
that, effective August 18, 2003, Mr. Joseph E. Petterson was appointed as
executive vice president of the Corporation and the Bank.






                                   SIGNATURES

         Pursuant to the requirements of the Securities Exchange Act of 1934,
the Registrant has duly caused this report to the signed on its behalf by the
undersigned hereunto duly authorized.


                                       NORTH COUNTRY FINANCIAL CORPORATION


Date: August 28, 2003                  By: /s/ William T. Fitzgerald, Jr.
                                          --------------------------------------
                                          William T. Fitzgerald, Jr.
                                          Chief Financial Officer