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 April 21, 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 North Country Financial Corporation has employed an Executive Vice President - Chief Financial Officer, Mr. Robert Taylor, effective April 21, 2003. Mr. Taylor has over 20 years of experience in banking, savings and loans and public accounting. Mr. Taylor had most previously been employed by a bank holding company, ABN AMRO North America, as Senior Vice President and Director of Financial Accounting. Prior to that he was the Chief Financial Officer for ABN AMRO's $11.0 billion asset size thrift subsidiary, LaSalle Talman 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: April 28, 2003 By: /s/ Sherry L. Littlejohn ------------------------------------ Sherry L. Littlejohn, President and Chief Executive Officer