Mackinac Financial Corp/MI – ‘10-K’ for 12/31/99 – EX-23

On:  Tuesday, 3/28/00   ·   For:  12/31/99   ·   Accession #:  892712-0-62   ·   File #:  0-20167

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Annual Report   —   Form 10-K
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 10-K        Annual Report                                         23    124K 
 6: EX-10.13    Lease Agreement                                        5     22K 
 2: EX-10.2     Deferred Compensation Plan                             7     40K 
 3: EX-10.3     Stock Compensation Plan                               15     79K 
 4: EX-10.4     1997 Directors' Stock Option Plan                      7     34K 
 5: EX-10.5     2000 Stock Incentive Plan                             11±    45K 
 7: EX-13       Annual Report to Shareholders                         52    255K 
 8: EX-21       Subsidiaries of the Registrant                         1      6K 
 9: EX-23       Consent of Independent Public Accountants              1      7K 
10: EX-27       Financial Data Schedule                                2±     8K 

EX-23   —   Consent of Independent Public Accountants

Exhibit 23 - Consent of Independent Public Accountants                

Independent Auditor's Consent                         

We consent to the incorporation by reference in                       
the Registration Statement on Form S-3 (No. 33-61533)                           
and the Registration Statements of Form S-8 (Nos. 333-                          
75959 and 333-75961) of North Country Financial                                 
Corporation of our report dated January 28, 2000,                               
relating to the consolidated balance sheets of North                            
Country Financial Corporation and Subsidiaries, and the                         
related consolidated statements of income, changes in                           
shareholders' equity, and cash flows, which report is                           
included in the 1999 Annual Report of North Country                             
Financial Corporation and to the continued reference to                         
our firm as experts in the prospectus which is a part                           
of the Registration Statement.                                                  

/s/Wipfli Ullrich Bertelson LLP                                                 

Wipfli Ullrich Bertelson LLP                                                    

Appleton, Wisconsin                                                             
March 24, 2000                                                                  

Dates Referenced Herein

This ‘10-K’ Filing		Date		Other Filings
Filed on:		3/28/00		None on these Dates
		3/24/00
		1/28/00
For Period End:		12/31/99
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