EXHIBIT 32.2

                               CERTIFICATE OF THE
                           CHIEF FINANCIAL OFFICER OF
                          INDEPENDENT BANK CORPORATION

Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (18 U.S.C. 1350):

I, Robert N. Shuster, Chief Financial Officer of Independent Bank Corporation,
certify, to the best of my knowledge and belief, pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002 (18 U.S.C. 1350) that:

(1) The annual report on Form 10-K for the quarterly period ended December 31,
2004, which this statement accompanies, fully complies with requirements of
Section 13(a) or 15(d) of the Securities Exchange Act of 1934 and;

(2) The information contained in this annual report on Form 10-K for the
quarterly period ended December 31, 2004, fairly presents, in all material
respects, the financial condition and results of operations of Independent Bank
Corporation.

                                        INDEPENDENT BANK CORPORATION


Date: March 8, 2005                     /s/ Robert N. Shuster
                                        ----------------------------------------
                                            Robert N. Shuster
                                            Chief Financial Officer

The signed original of this written statement required by Section 906, or other
document authenticating, acknowledging, or otherwise adopting the signature that
appears in typed form within the electronic version of this written statement
required by Section 906, has been provided to Independent Bank Corporation and
will be retained by Independent Bank Corporation and furnished to the Securities
and Exchange Commission or its staff upon request.