EXHIBIT 23






                         CONSENT OF INDEPENDENT AUDITORS



We consent to the incorporation by reference in Registration Statements No.
333-68595 and 333-60894 on Form S-8 of Commercial National Financial Corporation
of our report dated April 25, 2003, included in this Annual Report on Form 11-K
of Commercial Bank Employee Savings and Stock Ownership Plan for the year ended
December 31, 2002.





                                                Crowe Chizek and Company LLC

Grand Rapids, Michigan
June 25, 2003