UNITED STATES
                       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

       Date of Report (Date of earliest event reported): OCTOBER 18, 2004


                       NORTH COUNTRY FINANCIAL CORPORATION
             (Exact name of registrant as specified in its charter)


         MICHIGAN                     0-20167                 38-2062816

(State or other jurisdiction        (Commission             (IRS Employer
      of incorporation)             File Number)         Identification No.)


    130 SOUTH CEDAR STREET, MANISTIQUE, MICHIGAN               49854

     (Address of principal executive offices)                (Zip Code)

       Registrant's telephone number, including area code: (800) 200-7032




         (Former name or former address, if changed since last report.)




Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[ ] Written communications pursuant to Rule 425 under the Securities Act
    (17 CFR 230.425)

[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act
    (17 CFR 240.14a-12)

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
    Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
    Act (17 CFR 240.13e-4(c))








ITEM 2.02.        RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

On October 18, 2004, Registrant issued a press release announcing its results of
operations and financial condition for and as of, respectively, the three and
nine month periods ended September 30, 2004, unaudited. The press release is
attached as Exhibit No. 99 and incorporated herein by reference.


ITEM 9.01.        FINANCIAL STATEMENTS AND EXHIBITS.

(c)      Exhibits

The following exhibits are furnished herewith:

EXHIBIT
NUMBER                     EXHIBIT DESCRIPTION
- ------                     -------------------

99                         Press Release dated October 18, 2004 announcing
                           Registrant's results of operations and financial
                           condition for and as of the fiscal periods ended
                           September 30, 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 thereunto duly authorized

                                 NORTH COUNTRY FINANCIAL CORPORATION


Date: October 18, 2004
                                    By: /s/  Ernie R. Krueger
                                        ---------------------------------------
                                        Ernie R. Krueger
                                        Vice President and Controller









                                  EXHIBIT INDEX


EXHIBIT
NUMBER                     EXHIBIT DESCRIPTION
- ------                     -------------------

99                         Press Release dated October 18, 2004 announcing
                           Registrant's results of operations and financial
                           condition for and as of the fiscal periods ended
                           September 30, 2004