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 November 11, 2002 (Date of earliest event reported) Commission file number: 0-20167 NORTH COUNTRY FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) MICHIGAN 38-2062816 (State or other jurisdiction of (I.R.S. Employer incorporation or organization) Identification No) 1011 NOTEWARE DRIVE, TRAVERSE CITY, MI 49686 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (906) 341-8401 ITEM 4. CHANGES IN REGISTRANT'S CERTIFYING ACCOUNTANT On November 11, 2002, Rehmann Robson resigned as the independent auditor of the Registrant's financial statements for the year ending December 31, 2002. Rehmann Robson did not audit any year-end financial statements included on Form 10-K nor review any quarterly reports of the Registrant on Form 10-Q. Registrant has provided Rehmann Robson with a copy of this disclosure and has requested that Rehmann Robson furnish it with a letter addressed to the Securities and Exchange Commission stating whether it agrees with the foregoing statements. A copy of Rehmann Robson's letter to the Securities and Exchange Commission is forwarded as Exhibit 16.1 to this report on Form 8-K. 1 ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS Exhibit 16.1 - Letter regarding change in certifying accountant from Rehmann Robson. 2 SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to the signed on its behalf by the undersigned hereunto duly authorized. NORTH COUNTRY FINANCIAL CORPORATION Date: November 15, 2002 By: /s/ Sherry Littlejohn ------------------------------------ Sherry Littlejohn, President and Chief Executive Officer 3 EXHIBIT INDEX EXHIBIT NO. DESCRIPTION Ex 16.1 Letter regarding change in certifying accountant from Rehmann Robson.