<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>13
<FILENAME>k74892exv23w1.txt
<DESCRIPTION>CONSENT OF KPMG LLP
<TEXT>
<PAGE>
                                                                    EXHIBIT 23.1


                          INDEPENDENT AUDITORS' CONSENT

The Board of Directors
Independent Bank Corporation:

We consent to the use of our report dated February 4, 2003, with respect to the
consolidated statements of financial condition of Independent Bank Corporation
and subsidiaries as of December 31, 2002 and 2001, and the related consolidated
statements of operations, shareholders' equity, comprehensive income and cash
flows for each of the years in the three-year period ended December 31, 2002,
incorporated herein by reference and to the reference to our firm under the
heading "Experts" in the prospectus. Our report refers to a change in the method
of accounting for derivative financial instruments and hedging activities in
2001.


                                    /s/ KPMG LLP


Detroit, Michigan
February 28, 2003







</TEXT>
</DOCUMENT>
