EXHIBIT 32.1

                         MACKINAC FINANCIAL CORPORATION
                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

This certification is provided pursuant to Section 906 of the Sarbanes-Oxley Act
of 2002, 18 U.S.C Section 1350, and accompanies the annual report on Form 10-K
for the year ended December 31, 2004, (the "Form 10-K") of Mackinac Financial
Corporation (the "Issuer").

   I, Paul D. Tobias, Chairman and Chief Executive Office of the Issuer, certify
   that:

   (1)   The Form 10-K fully complies with the requirements of Section 13(a) or
         Section 15(d), as applicable, of the Securities Exchange Act of 1934
         (15 U.S.C. 78m(a) or 78o(d)); and

   (2)   The information contained in the Form 10-K fairly presents, in all
         material respects, the financial condition and results of operation of
         the Issuer.

Date:  March 31, 2005                     /s/ Paul D. Tobias
                                          ------------------------
                                          Paul D. Tobias
                                          Chairman and Chief Executive Officer
                                          (Chief Executive Officer)