SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
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FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934
July 12 2004
(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 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION
On July 12, 2004 North Country Financial Corporation issued a
press release announcing earnings for the quarter and six months ended June 30,
2004.
Exhibit No. Description
99.1 Press Release dated July 12, 2004
SIGNATURES
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.
NORTH COUNTRY FINANCIAL CORPORATION
Date: July 12, 2004 By:/s/ Ernie R. Krueger
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Ernie R. Krueger, VP/Controller
Exhibit Index
Exhibit No. Description
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99.1 Press Release dated July 12, 2004