Exhibit 23
Consent of Independent Public Accountants



                          Independent Auditor's Consent



We consent to the incorporation by reference in the Registration Statements on
Form S-8 (Nos. 333-75959, 333-75961 and 333-76180) and Form S-3 (No. 33-61533)
of North Country Financial Corporation and Subsidiaries of our report dated
March 28, 2003 on the financial statements of North Country Financial
Corporation and Subsidiaries for the year ended December 21, 2002, appearing in
the North Country Financial Corporation 2002 Annual Report to Shareholders which
is incorporated by reference into this Form 10-K.


/s/  Plante & Moran, PLLC

Plante & Moran, PLLC





Auburn Hills, Michigan
April 9, 2003








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