EXHIBIT 23



The Board of Directors
Independent Bank Corporation:

We consent to incorporation by reference in the registration statements (No.
33-80088) on Form S-3 and (Nos. 333-47352, 333-32269 and 333-89072) on Forms S-8
of Independent Bank Corporation of our report dated February 4, 2003, relating
to the consolidated statements of financial condition of Independent Bank
Corporation and subsidiaries as of December 31, 2002, and 2001, and the related
consolidated statements of operations, shareholders' equity, comprehensive
income and cash flows for each of the years in the three-year period ended
December 31, 2002, which report is incorporated by reference in the December 31,
2002 annual report on Form 10-K of Independent Bank Corporation. Our report
refers to a change in the method of accounting for derivative financial
instruments and hedging activities in 2001.




/s/ KPMG LLP
Detroit, Michigan
February 27, 2003