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UNITED STATES
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

Date of Report (Date of earliest event reported): April 29, 2005

MACKINAC FINANCIAL CORPORATION

(previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION)
(Exact name of registrant as specified in its charter)

         
MICHIGAN
(State or other jurisdiction
of incorporation)
  0-20167
(Commission
File Number)
  38-2062816
(IRS Employer
Identification No.)
     
130 SOUTH CEDAR STREET, MANISTIQUE, MICHIGAN
(Address of principal executive offices)
  49854
(Zip Code)

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

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

    o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
 
    o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
 
    o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
 
    o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
 
 

 


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ITEM 7.01 REGULATION FD DISCLOSURE
SIGNATURE
EXHIBIT INDEX
Mackinac Financial Investor Roadshow


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ITEM 7.01 REGULATION FD DISCLOSURE

On April 28th and 29th, senior management of Mackinac Financial Corporation presented financial information to investors. The presentation is hereby filed.

(c)     Exhibits

The following exhibits are furnished herewith:

     
EXHIBIT    
NUMBER   EXHIBIT DESCRIPTION
 
   
99.1
  Mackinac Financial Investor Roadshow dated April 28-29, 2005

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SIGNATURE

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

         
  MACKINAC FINANCIAL CORPORATION
 
 
Date: April 29, 2005  By:   /s/ Ernie R. Krueger    
    Ernie R. Krueger   
    SVP/Controller   

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EXHIBIT INDEX

     
EXHIBIT    
NUMBER   EXHIBIT DESCRIPTION
 
   
99.1
  Mackinac Financial Investor Roadshow dated April 28-29, 2005

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