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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 CdVZFNH5X7YzZeShrxIMUMFIFyjMci15ki6+hG5CPg9tNZLVsCEjiPNSUSHHp9yx
 TuSp5HDvmKrp6fIlaYHSgQ==

<SEC-DOCUMENT>0001209191-08-059003.txt : 20081105
<SEC-HEADER>0001209191-08-059003.hdr.sgml : 20081105
<ACCEPTANCE-DATETIME>20081105142209
ACCESSION NUMBER:		0001209191-08-059003
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20081104
FILED AS OF DATE:		20081105
DATE AS OF CHANGE:		20081105

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MACKINAC FINANCIAL CORP /MI/
		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:	NORTH COUNTRY FINANCIAL CORP
		DATE OF NAME CHANGE:	19990409

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

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			GEORGE KELLY W
		CENTRAL INDEX KEY:			0001202388

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-20167
		FILM NUMBER:		081163329

	MAIL ADDRESS:	
		STREET 1:		10787 SHREVE ROAD
		CITY:			SHREVE
		STATE:			OH
		ZIP:			44676
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>c76768_4x0.xml
<DESCRIPTION>MAIN DOCUMENT DESCRIPTION
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0303</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2008-11-04</periodOfReport>

    <issuer>
        <issuerCik>0000036506</issuerCik>
        <issuerName>MACKINAC FINANCIAL CORP /MI/</issuerName>
        <issuerTradingSymbol>MFNC</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001202388</rptOwnerCik>
            <rptOwnerName>GEORGE KELLY W</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>C/O MACKINAC FINANCIAL CORPORATION</rptOwnerStreet1>
            <rptOwnerStreet2>130 SOUTH CEDAR STERET</rptOwnerStreet2>
            <rptOwnerCity>MANISTIQUE</rptOwnerCity>
            <rptOwnerState>MI</rptOwnerState>
            <rptOwnerZipCode>49868</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>President*</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2008-11-04</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>P</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>950</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>5.00</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>3700</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <derivativeTable></derivativeTable>

    <remarks>* Reporting person holds reported position of President with Mackinac Financial Corporation and those of President and Chief Executive
Officer with Mackinac Financial Corporation's principal banking subsidiary, Mbank.</remarks>

    <ownerSignature>
        <signatureName>Ernie Krueger, Attorney-in-Fact</signatureName>
        <signatureDate>2008-11-05</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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