EXHIBIT 32.2

                         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, Eliot R. Stark, Executive Vice President and Chief Financial Officer 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/ Eliot R. Stark
                                          ----------------------------
                                          Eliot R. Stark
                                          Executive Vice President and
                                          Chief Financial Officer
                                          (principal financial officer)