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: March     02, 2005

(Date of earliest event reported)




MACKINAC FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)



MI

(State or other jurisdiction of incorporation)


 


0-20167

(Commission File Number)


 


38-2062816

(IRS Employer Identification Number)




 


130 SOUTH CEDAR STREET

(Address of principal executive offices)


49854

(Zip Code)


 




Registrant's telephone number, including area code: 906-341-7158






Item 9.01. Financial Statements and Exhibits

(c) Exhibits

99.1       Press Release of MACKINAC FINANCIAL CORPORATION dated March     02, 2005



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.






Dated: March     02, 2005



MACKINAC FINANCIAL CORPORATION

By:  /s/ Ernie R. Krueger                      

     Ernie R. Krueger

     SVP/Controller