-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 LcNDiby6Ceri5B3ff36m1abyeyRVxl3fpm94F23kiwpYSFvHRjhYQkTFrg+Te8ex
 l5Pt8ejF/Ok0HXS1a+CDeQ==

<SEC-DOCUMENT>0001209191-04-059153.txt : 20041222
<SEC-HEADER>0001209191-04-059153.hdr.sgml : 20041222
<ACCEPTANCE-DATETIME>20041222163118
ACCESSION NUMBER:		0001209191-04-059153
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20041215
FILED AS OF DATE:		20041222
DATE AS OF CHANGE:		20041222

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NORTH COUNTRY FINANCIAL CORP
		CENTRAL INDEX KEY:			0000036506
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				382062816
		STATE OF INCORPORATION:			MI
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		3530 NORTH COUNTRY DR
		STREET 2:		PO BOX 369
		CITY:			TRAVERSE CITY
		STATE:			MI
		ZIP:			49684
		BUSINESS PHONE:		9063418401

	MAIL ADDRESS:	
		STREET 1:		130 S CEDER ST
		STREET 2:		P O BOX 369
		CITY:			MANISTIQUE
		STATE:			MI
		ZIP:			49854

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FIRST MANISTIQUE CORP
		DATE OF NAME CHANGE:	19920703

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Orley Robert Harris
		CENTRAL INDEX KEY:			0001312348

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-20167
		FILM NUMBER:		041221214

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		248-554-4220

	MAIL ADDRESS:	
		STREET 1:		25251 RIVER DRIVE
		CITY:			FRANKLIN
		STATE:			MI
		ZIP:			48025
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>bde90689_01rho.xml
<DESCRIPTION>MAIN DOCUMENT DESCRIPTION
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2004-12-15</periodOfReport>

    <noSecuritiesOwned>0</noSecuritiesOwned>

    <issuer>
        <issuerCik>0000036506</issuerCik>
        <issuerName>NORTH COUNTRY FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>MFNC</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001312348</rptOwnerCik>
            <rptOwnerName>Orley Robert Harris</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>40900 WOODWARD AVE.</rptOwnerStreet1>
            <rptOwnerStreet2>SUITE 130</rptOwnerStreet2>
            <rptOwnerCity>BLOOMFIELD HILLS</rptOwnerCity>
            <rptOwnerState>MI</rptOwnerState>
            <rptOwnerZipCode>48304</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>25641</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <derivativeTable></derivativeTable>

    <ownerSignature>
        <signatureName>Robert Harris Orley</signatureName>
        <signatureDate>2004-12-22</signatureDate>
    </ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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