FORM 4 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

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(Print or Type Responses)

1. Name and Address of Reporting Person * MCCARTY JAMES E   2. Issuer Name and Ticker or Trading Symbol INDEPENDENT BANK CORP /MI/ [IBCP] 5. Relationship of Reporting Person(s) to Issuer (Check all applicable) __X__ Director _____ 10% Owner _____ Officer (give title below) _____ Other (specify below) (Last) (First) (Middle) 6641 CENTERLINE RD. 3. Date of Earliest Transaction (Month/Day/Year) 03/31/2005 (Street) SARANAC, MI 48881 4. If Amendment, Date Original Filed(Month/Day/Year) 6. Individual or Joint/Group Filing(Check Applicable Line) _X_ Form filed by One Reporting Person ___ Form filed by More than One Reporting Person (City) (State) (Zip) Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned

1.Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4) Code V Amount (A) or (D) Price Common Stock 01/31/2005   P V 25.77 A $ 30.56 4,658.24 D   Common Stock 01/18/2005   S V 700 (1) D $ 29.95 892.62 (1) I By Corporation Common Stock 01/31/2005   P V 8.92 A $ 30.56 901.54 I By Corporation Common Stock 01/31/2005   P V 11.5 A $ 30.56 2,063.09 I By Trust Common Stock 01/18/2005   P V 700 (1) A $ 29.95 4,756.48 (1) I By Trust (Spouse) Common Stock 01/31/2005   P V 22.74 A $ 30.56 4,779.22 I By Trust (Spouse)

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)

1. Title of Derivative Security (Instr. 3)

2. Conversion or Exercise Price of Derivative Security

3. Transaction Date (Month/Day/Year)

3A. Deemed Execution Date, if any (Month/Day/Year)

4. Transaction Code (Instr. 8)

5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4, and 5)

6. Date Exercisable and Expiration Date (Month/Day/Year)

7. Title and Amount of Underlying Securities (Instr. 3 and 4)

8. Price of Derivative Security (Instr. 5)

9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)

10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4)

11. Nature of Indirect Beneficial Ownership (Instr. 4)

Code

V

(A)

(D)

Date Exercisable

Expiration Date

Title

Amount or Number of Shares

Phantom Stock Units

(2)

01/31/2005

A

V

22.3

(2)

(2)

Common Stock

22.3

$ 30.77

4,058.29 (3)

D

Phantom Stock Units

(2)

03/31/2005

A

88.63

(2)

(2)

Common Stock

88.63

$ 28.77

4,146.92

D

Reporting Owners

Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
MCCARTY JAMES E 6641 CENTERLINE RD. SARANAC, MI 48881	X

Signatures

By: s/Michael J. Steele, Attorney-in-Fact		04/04/2005
**Signature of Reporting Person		Date

Explanation of Responses:

*	If the form is filed by more than one reporting person, see Instruction 4(b)(v).
**	Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1)	Since the reporting person's last report, 700 shares previously owned indirectly through a corporation have been transferred to the reporting person's spousal trust (still held indirectly).
(2)	The Phantom Stock Units were accrued under the Independent Bank Corporation Deferred Compensation and Stock Purchase Plan for Non-Employee Directors and are to be settled in Independent Bank Corporation Common Stock upon the reporting person's retirement.
(3)	Includes 98.15 phantom stock units accrued under the Independent Bank Corporation Deferred Compensation and Stock Purchase Plan for Non-Employee Directors on various dates during 2004 at prices ranging from $25.03 to $27.63.

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