MACKINAC FINANCIAL CORPORATION

                                                                    Exhibit 32.2

                            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 ss. 1350, and accompanies the quarterly report on Form 10-Q
for the quarter ended September 30, 2005, (the "Form 10-Q") 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-Q fully complies with the requirements of Section 13(a) or
          Section 15(d) 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-Q fairly presents, in all
          material respects, the financial condition and results of operation of
          the Issuer.

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

Date: November 11, 2005