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                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549



                                    FORM 8-K


                                 CURRENT REPORT


                         Pursuant to Section 13 or 15(d)
                     of the Securities Exchange Act of 1934


       Date of Report (Date of earliest event reported): November 29, 2004


                    COMMERCIAL NATIONAL FINANCIAL CORPORATION
             (Exact name of registrant as specified in its charter)

                                    MICHIGAN
                 (State or other jurisdiction of incorporation)



          0-17000                           38-2799780
  (Commission File Number)                  (IRS Employer Identification No.)



            101 North Pine River Street, Ithaca, Michigan                 48847
              (Address of principal executive offices)               (Zip Code)


       Registrant's telephone number, including area code: (989) 875-4144

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

[ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR
    230.425)

[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
    240.14a-12)

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
    Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
    Act (17 CFR 240.13e-4(c))

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ITEM 7.01      REGULATION FD DISCLOSURE

        On November 29, 2004 the registrant issued a news release to announce
the dividend for the fourth quarter of 2004 dividend. The news release is
attached hereto as Exhibit 99 and is incorporated by reference.

ITEM 9.01      FINANCIAL STATEMENTS AND EXHIBITS.

      (c)  Exhibits.

        The following exhibits are filed as part of this report:

        Exhibit 99    Press release announcing fourth quarter dividend dated
                      November 29, 2004

                                   SIGNATURES

        Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

Dated:  November 29, 2004        COMMERCIAL NATIONAL FINANCIAL CORPORATION


                                 By:  /s/ Jeffrey S. Barker
                                      Jeffrey S. Barker, President and
                                      Chief Executive Officer






                                  EXHIBIT INDEX

Exhibit Number        Description


Exhibit 99            Press release announcing fourth quarter dividend dated
                      November 29, 2004