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Exhibit 21
Subsidiaries of Mackinac Financial Corporation
First Manistique Agency, Inc. - 100% owned
(incorporated as a Michigan corporation)
First Rural Relending Company - 100% owned
(incorporated as a Michigan corporation)
North Country Capital Trust — 100% owned
(organized as a Delaware business trust)
mBank - 100% owned
(incorporated as a Michigan banking corporation)
Mackinac Financial Corporation directly owns the four subsidiaries listed above.