Mackinac Financial Corp/MI – ‘10-K’ for 12/31/99 – EX-21

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-21   —   Subsidiaries of the Registrant

Exhibit 21 - Subsidiaries of Registrant                               

North County Bank and Trust - 100% owned                          
(incorporated as a Michigan banking corporation)                  

First Manistique Agency - 100% owned                              
(incorporated as a Michigan corporation)                          

First Rural Relending Company - 100% owned                        
(incorporated as a Michigan corporation)                          

North Country Financial Group - 100% owned                        
(incorporated as a Michigan corporation)                          

North Country Capital Trust - 100% owned                          
(organized as a Delaware business trust)                          

NCB Real Estate Company - 100% owned                              
(incorporated as a Michigan corporation)                          

All subsidiaries are directly owned by North                      
Country Financial Corporation, except NCB Real Estate                           
Company, which is owned directly by North Country Bank                          
and Trust.