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<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: right">Registration No. 333 &ndash;_______</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION<BR>
Washington, D.C. 20549<BR>
__________________</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>FORM S-8<BR>
REGISTRATION STATEMENT<BR>
UNDER THE SECURITIES ACT OF 1933<BR>
</B><FONT STYLE="font-size: 10pt">__________________</FONT></P>

<P STYLE="font: 15pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>CHOICEONE FINANCIAL SERVICES, INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Exact Name of Registrant as Specified in its
Charter)</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

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    <TD STYLE="width: 50%; text-align: center; line-height: 10.75pt"><FONT STYLE="font-size: 10pt"><B>Michigan</B><BR>
(State or Other Jurisdiction of<BR>
Incorporation or Organization)</FONT></TD>
    <TD STYLE="width: 50%; text-align: center; line-height: 10.75pt"><FONT STYLE="font-size: 10pt"><B>38-2659066</B><BR>
(I.R.S. Employer<BR>
Identification Number)</FONT></TD></TR>
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    <TD STYLE="text-align: center; line-height: 10.75pt">&nbsp;</TD>
    <TD STYLE="text-align: center; line-height: 10.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; line-height: 10.75pt"><FONT STYLE="font-size: 10pt"><B>109 East Division, Sparta, Michigan</B><BR>
(Address of Principal Executive Offices)</FONT></TD>
    <TD STYLE="text-align: center; line-height: 10.75pt"><FONT STYLE="font-size: 10pt"><B>49345</B><BR>
(Zip Code)</FONT></TD></TR>
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<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 15pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ChoiceOne
Financial Services, Inc.<BR>
DIRECTORS' STOCK PURCHASE PLAN</B></FONT></P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Full Title of the Plan)</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

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    <TD STYLE="width: 45%; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt"><B>Adom J. Greenland<BR>
Chief Operating Officer<BR>
ChoiceOne Financial Services, Inc.<BR>
109 East Division<BR>
Sparta, Michigan 49345</B></FONT></TD>
    <TD STYLE="width: 11%; font: 12pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">Copies to:</FONT></TD>
    <TD STYLE="width: 44%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Jeffrey A. Ott</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Charlie Goode<BR>
        Warner Norcross &amp; Judd LLP<BR>
        1500 Warner Building<BR>
        150 Ottawa Avenue, NW<BR>
        Grand Rapids, Michigan 49503-2832</B></P></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Name and Address of Agent for Service)</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(616) 887-7366</B><BR>
(Telephone Number, Including Area Code, of Agent for Service)</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Indicate by check mark whether the registrant
is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company.
See the definitions of &ldquo;large accelerated filer,&rdquo; &ldquo;accelerated filer,&rdquo; &ldquo;smaller reporting company,&rdquo;
and &ldquo;emerging growth company&rdquo; in Rule 12b-2 of the Exchange Act.</P>

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    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 7%; text-align: justify">&nbsp;</TD>
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 55%; text-align: left"><FONT STYLE="font-size: 10pt">Large accelerated Filer <FONT STYLE="font-family: Wingdings">o</FONT><BR>
Non-accelerated filer <FONT STYLE="font-family: Wingdings">o</FONT></FONT></TD>
    <TD STYLE="width: 38%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">Accelerated filer <FONT STYLE="font-family: Wingdings">&#254;</FONT><BR>
        Smaller reporting company <FONT STYLE="font-family: Wingdings">&#254;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">Emerging growth company <FONT STYLE="font-family: Wingdings">o</FONT></P></TD></TR>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">If an emerging growth company, indicate by check
mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting
standards provided pursuant to Section 7(a)(2)(B) of the Securities Act. <FONT STYLE="font-family: Wingdings">o</FONT></P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B></B></P>

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<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>CALCULATION OF REGISTRATION FEE</B></P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 19%; border-top: Black 2.25pt double; border-left: Black 2.25pt double; padding-right: 6pt; padding-left: 6pt; text-align: center; line-height: 11pt"><FONT STYLE="font-size: 10pt">Title of<BR>
Securities to be<BR>
Registered</FONT></TD>
    <TD STYLE="width: 19%; border-top: Black 2.25pt double; border-left: Black 1pt solid; padding-right: 6pt; padding-left: 6pt; text-align: center; line-height: 11pt"><FONT STYLE="font-size: 10pt"><BR>
Amount to be<BR>
Registered </FONT></TD>
    <TD STYLE="width: 19%; border-top: Black 2.25pt double; border-left: Black 1pt solid; padding-right: 6pt; padding-left: 6pt; text-align: center; line-height: 11pt"><FONT STYLE="font-size: 10pt">Proposed Maximum<BR>
Offering Price<BR>
Per Share (4)(5)</FONT></TD>
    <TD STYLE="width: 25%; border-top: Black 2.25pt double; border-left: Black 1pt solid; padding-right: 6pt; padding-left: 6pt; text-align: center; line-height: 11pt"><FONT STYLE="font-size: 10pt">Proposed Maximum<BR>
Aggregate<BR>
Offering Price (4)(5)</FONT></TD>
    <TD STYLE="width: 18%; border-top: Black 2.25pt double; border-right: Black 2.25pt double; border-left: Black 1pt solid; padding-right: 6pt; padding-left: 6pt; text-align: center; line-height: 11pt"><FONT STYLE="font-size: 10pt"><BR>
Amount of<BR>
Registration Fee</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="border-top: Black 2.25pt double; border-left: Black 2.25pt double; padding-right: 6pt; padding-left: 6pt; text-align: center; line-height: 11pt"><FONT STYLE="font-size: 10pt">Common Stock<BR>
&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 2.25pt double; border-left: Black 1pt solid; padding-right: 6pt; padding-left: 6pt; text-align: center; line-height: 11pt"><FONT STYLE="font-size: 10pt">45,879
    shares (1)(2)</FONT></TD>
    <TD STYLE="border-top: Black 2.25pt double; border-left: Black 1pt solid; padding-right: 6pt; padding-left: 6pt; text-align: center; line-height: 11pt"><FONT STYLE="font-size: 10pt">$28.90</FONT></TD>
    <TD STYLE="border-top: Black 2.25pt double; border-left: Black 1pt solid; padding-right: 6pt; padding-left: 6pt; text-align: center; line-height: 11pt"><FONT STYLE="font-size: 10pt">$1,325,903.10</FONT></TD>
    <TD STYLE="border-top: Black 2.25pt double; border-right: Black 2.25pt double; border-left: Black 1pt solid; padding-right: 6pt; padding-left: 6pt; text-align: center; line-height: 11pt"><FONT STYLE="font-size: 10pt">$172.10</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 2.25pt double; border-left: Black 2.25pt double; padding-right: 6pt; padding-left: 6pt; text-align: center; line-height: 11pt"><FONT STYLE="font-size: 10pt">Common Stock<BR>
&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 2.25pt double; border-left: Black 1pt solid; padding-right: 6pt; padding-left: 6pt; text-align: center; line-height: 11pt"><FONT STYLE="font-size: 10pt">97,385 shares (1)(3)</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 2.25pt double; border-left: Black 1pt solid; padding-right: 6pt; padding-left: 6pt; text-align: center; line-height: 11pt"><FONT STYLE="font-size: 10pt">$28.90</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 2.25pt double; border-left: Black 1pt solid; padding-right: 6pt; padding-left: 6pt; text-align: center; line-height: 11pt"><FONT STYLE="font-size: 10pt">$2,814,426.50</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 2.25pt double; border-bottom: Black 2.25pt double; border-left: Black 1pt solid; padding-right: 6pt; padding-left: 6pt; text-align: center; line-height: 11pt"><FONT STYLE="font-size: 10pt">$365.31</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%; text-align: left; line-height: 10.75pt"><FONT STYLE="font-size: 10pt">(1)</FONT></TD>
    <TD STYLE="width: 96%; text-align: justify; line-height: 10.75pt"><FONT STYLE="font-size: 10pt">In addition, pursuant to Rule 416(a) under the Securities Act of 1933, this registration statement also covers such indeterminate number of additional shares as may be authorized in the event of an adjustment as a result of an increase in the number of issued shares of common stock resulting from the payment of stock dividends or stock splits or certain other capital adjustments.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; line-height: 10.75pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 10.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; line-height: 10.75pt"><FONT STYLE="font-size: 10pt">(2)</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 10.75pt"><FONT STYLE="font-size: 10pt">Represents shares previously issued pursuant to the ChoiceOne Financial Services, Inc. Directors&rsquo; Stock Purchase Plan, as amended.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; line-height: 10.75pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 10.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; line-height: 10.75pt"><FONT STYLE="font-size: 10pt">(3)</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 10.75pt"><FONT STYLE="font-size: 10pt">Represents shares issuable pursuant to the ChoiceOne Financial Services, Inc. Directors&rsquo; Stock Purchase Plan, as amended.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; line-height: 10.75pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 10.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; line-height: 10.75pt"><FONT STYLE="font-size: 10pt">(4)</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 10.75pt"><FONT STYLE="font-size: 10pt">Estimated solely for the purpose of calculating the registration fee.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; line-height: 10.75pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 10.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; line-height: 10.75pt"><FONT STYLE="font-size: 10pt">(5)</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 10.75pt"><FONT STYLE="font-size: 10pt">The registration fee is computed in accordance
with Rule 457(h) and (c) under the Securities Act of 1933. On March 11, 2020, the average of the high and low sales prices for
ChoiceOne Financial Services, Inc. common stock as reported on the NASDAQ Capital Market was $28.90.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B></B></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>EXPLANATORY
STATEMENT</B></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">This Registration Statement
is filed by ChoiceOne Financial Services, Inc. (also referred to as the &ldquo;Registrant&rdquo; and &ldquo;ChoiceOne&rdquo;) in
accordance with the requirements of Form S-8 under the Securities Act to register 97,385 shares of Common Stock issuable under
the ChoiceOne Financial Services, Inc. Directors&rsquo; Stock Purchase Plan, as amended (the &quot;Plan&quot;) that may be issued
after the filing of this Registration Statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">This Registration Statement
also includes a prospectus prepared in accordance with General Instruction C of Form S-8 and in accordance with the requirements
of Part I of Form S-3. This prospectus may be used for reofferings and resales on a continuous or delayed basis in the future
of up to an aggregate of 45,879 shares of Common Stock constituting &ldquo;restricted securities&rdquo; that were issued under
the Plan prior to the filing of this Registration Statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B></B></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>REOFFER
PROSPECTUS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>45,879 Shares of </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>ChoiceOne Financial Services, Inc. Common
Stock</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">This reoffer prospectus
relates to 45,879 shares of ChoiceOne Financial Services, Inc. (&quot;ChoiceOne&quot;) common stock, no par value, that may be
reoffered and resold from time to time by the selling shareholders of ChoiceOne set forth in this prospectus. The shares of common
stock subject to this prospectus have been acquired by the selling shareholders pursuant to the terms of the ChoiceOne Financial
Services, Inc. Directors&rsquo; Stock Purchase Plan, as amended (the &quot;Plan&quot;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne is a financial holding company incorporated in Michigan.
ChoiceOne's two wholly-owned subsidiaries are ChoiceOne Bank and Lakestone Bank &amp; Trust. ChoiceOne's headquarters are located
at 109 East Division, Sparta, Michigan 49345 and its phone number is (616) 887-7366. ChoiceOne's common stock is listed on the
NASDAQ Capital Market under the trading symbol &ldquo;COFS.&rdquo; On March 11, 2020, the closing price per share of ChoiceOne
common stock was $28.94.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">You should read and consider
the &quot;Risk Factors&quot; section below beginning on page 1 of this prospectus before purchasing ChoiceOne's common stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Neither the Securities
and Exchange Commission nor any state securities commission has approved or disapproved of these securities or passed upon the
adequacy or accuracy of this prospectus. Any representation to the contrary is a criminal offense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">The date of this prospectus is March 16, 2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B></B></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Table
of Contents</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; text-transform: uppercase">
    <TD STYLE="width: 90%; text-align: left; padding-top: 6pt; padding-bottom: 6pt; padding-left: 0in"><A HREF="#a_001">RISK FACTORS</A></TD>
    <TD STYLE="width: 10%; text-align: right; padding-top: 6pt; padding-bottom: 6pt">1</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; text-transform: uppercase">
    <TD STYLE="text-align: left; padding-top: 6pt; padding-bottom: 6pt; padding-left: 0in"><A HREF="#a_002">FORWARD-LOOKING STATEMENTS</A></TD>
    <TD STYLE="text-align: right; padding-top: 6pt; padding-bottom: 6pt">1</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; text-transform: uppercase">
    <TD STYLE="text-align: left; padding-top: 6pt; padding-bottom: 6pt; padding-left: 0in"><A HREF="#a_003">USE OF PROCEEDS</A></TD>
    <TD STYLE="text-align: right; padding-top: 6pt; padding-bottom: 6pt">1</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; text-transform: uppercase">
    <TD STYLE="text-align: left; padding-top: 6pt; padding-bottom: 6pt; padding-left: 0in"><A HREF="#a_004">SELLING SHAREHOLDERS</A></TD>
    <TD STYLE="text-align: right; padding-top: 6pt; padding-bottom: 6pt">1</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; text-transform: uppercase">
    <TD STYLE="text-align: left; padding-top: 6pt; padding-bottom: 6pt; padding-left: 0in"><A HREF="#a_005">PLAN OF DISTRIBUTION</A></TD>
    <TD STYLE="text-align: right; padding-top: 6pt; padding-bottom: 6pt">2</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; text-transform: uppercase">
    <TD STYLE="text-align: left; padding-top: 6pt; padding-bottom: 6pt; padding-left: 0in"><A HREF="#a_006">INCORPORATION OF CERTAIN INFORMATION BY REFERENCE</A></TD>
    <TD STYLE="text-align: right; padding-top: 6pt; padding-bottom: 6pt">2</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; text-transform: uppercase">
    <TD STYLE="text-align: left; padding-top: 6pt; padding-bottom: 6pt; padding-left: 0in"><A HREF="#a_007">DISCLOSURE OF COMMISSION POSITION ON INDEMNIFICATION FOR&nbsp;SECURITIES&nbsp;ACT LIABILITIES</A></TD>
    <TD STYLE="text-align: right; padding-top: 6pt; padding-bottom: 6pt">3</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; text-transform: uppercase">
    <TD STYLE="text-align: left; padding-top: 6pt; padding-bottom: 6pt; padding-left: 0in"><A HREF="#a_008">LEGAL MATTERS</A></TD>
    <TD STYLE="text-align: right; padding-top: 6pt; padding-bottom: 6pt">3</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; text-transform: uppercase">
    <TD STYLE="text-align: left; padding-top: 6pt; padding-bottom: 6pt; padding-left: 0in"><A HREF="#a_009">EXPERTS</A></TD>
    <TD STYLE="text-align: right; padding-top: 6pt; padding-bottom: 6pt">3</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; text-transform: uppercase">
    <TD STYLE="text-align: left; padding-top: 6pt; padding-bottom: 6pt; padding-left: 0in"><A HREF="#a_010">WHERE YOU CAN FIND MORE INFORMATION</A></TD>
    <TD STYLE="text-align: right; padding-top: 6pt; padding-bottom: 6pt">3</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_001"></A>RISK FACTORS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Information concerning
risk factors is contained in Item 1A, &ldquo;Risk Factors,&rdquo; in ChoiceOne&rsquo;s Annual Report on Form 10-K for the year
ended December 31, 2019 and in certain other documents incorporated by reference in this prospectus. See &quot;Incorporation of
Certain Documents by Reference&quot; and &quot;Where You Can Find Additional Information&quot; below for additional information.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_002"></A>FORWARD-LOOKING STATEMENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">This prospectus and the
documents incorporated by reference herein contain forward-looking statements that are based on management&rsquo;s beliefs, assumptions,
current expectations, estimates and projections about the financial services industry, the economy, and ChoiceOne itself. Words
such as &ldquo;anticipates,&rdquo; &ldquo;believes,&rdquo; &ldquo;estimates,&rdquo; &ldquo;expects,&rdquo; &ldquo;forecasts,&rdquo;
&ldquo;intends,&rdquo; &ldquo;is likely,&rdquo; &ldquo;plans,&rdquo; &ldquo;predicts,&rdquo; &ldquo;projects,&rdquo; &ldquo;may,&rdquo;
&ldquo;could,&rdquo; &ldquo;look forward,&rdquo; &ldquo;continue&rdquo;, &ldquo;future&rdquo;, and variations of such words and
similar expressions are intended to identify such forward-looking statements. All statements with references to future time periods
are forward-looking. These statements are not guarantees of future performance and involve certain risks, uncertainties and assumptions
(&ldquo;risk factors&rdquo;) that are difficult to predict with regard to timing, extent, likelihood, and degree of occurrence.
Therefore, actual results and outcomes may materially differ from what may be expressed, implied or forecasted in such forward-looking
statements. Furthermore, ChoiceOne undertakes no obligation to update, amend, or clarify forward-looking statements, whether as
a result of new information, future events, or otherwise. &nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Risk factors include, but
are not limited to, the risk factors set forth described in ChoiceOne&rsquo;s Annual Report on Form 10-K for the year ended December
31, 2019. These and other factors are representative of the risk factors that may emerge and could cause a difference between an
ultimate actual outcome and a forward-looking statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_003"></A>USE OF PROCEEDS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The proceeds from the sale
of the common stock offered pursuant to this prospectus are solely for the account of the selling shareholders. ChoiceOne will
not receive any of the proceeds from any sale of shares by the selling shareholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_004"></A>SELLING SHAREHOLDERS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table sets
forth certain information with respect to each of the selling shareholders, including (a) the name of the selling shareholder;
(b) the number of shares of common stock beneficially owned by the selling shareholder as of March 1, 2020; (c) the maximum number
of shares of common stock that the selling shareholder may offer pursuant to this&nbsp;prospectus; and (d) the number of shares
of common stock beneficially owned by the selling shareholder after the offering, assuming the sale of all shares that may be
offered by such shareholder hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">A selling shareholders
may not have a present intention of selling all or any of the shares that such selling shareholder may offer pursuant to this prospectus,
and there is no assurance that some or all of the selling shareholders will sell all or any of such shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 95%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 21%; border: Black 1pt solid"><FONT STYLE="font-size: 9pt"><B>Name of Selling Shareholder</B></FONT></TD>
    <TD STYLE="width: 30%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt"><B>Title</B></FONT></TD>
    <TD STYLE="width: 18%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt"><B>Number of Shares Beneficially Owned Prior to Offering</B></FONT></TD>
    <TD STYLE="width: 13%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt"><B>Number of Shares that May be Offered<SUP>(2)</SUP></B></FONT></TD>
    <TD STYLE="width: 18%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt"><B>Number of Shares Beneficially Owned After Offering<SUP>(3)</SUP></B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-size: 9pt">Greg L. Armock</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Director of ChoiceOne Bank</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">23,964.8613</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">2,518</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">21,446.8613</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-size: 9pt">Frank G. Berris</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">Former Director</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">52,351</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">5,376</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">46,975</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-size: 9pt">James A. Bosserd</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">Director</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">24,611.1654</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">729</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">23,882.1654</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-size: 9pt">Keith D. Brophy</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">Director</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">10,872.1568</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">2,510</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">8,362.1568</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-size: 9pt">Harold J. Burns</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">Director</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">8,654</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">265</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">8,389</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"></TD></TR></TABLE>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 12pt Times New Roman, Times, Serif; width: 95%; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 21%"><FONT STYLE="font-size: 9pt">Eric E. Burrough</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 30%"><FONT STYLE="font-size: 9pt">Director</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right; width: 18%"><FONT STYLE="font-size: 9pt">126,120</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right; width: 13%"><FONT STYLE="font-size: 9pt">265</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right; width: 18%"><FONT STYLE="font-size: 9pt">125,855</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-size: 9pt">David H. Bush</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">Director</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">122,625</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">66</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">122,559</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-size: 9pt">David Churchill</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">Director of Lakestone Bank &amp; Trust</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">6,048</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">62</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">5,986</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-size: 9pt">Curt Coulter</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">Director of Lakestone Bank &amp; Trust</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">2,822.2949</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">125</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">2,697.2949</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-size: 9pt">William F. Cutler Jr.</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">Former Director</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">77,072.5784</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">20,521</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">56,551.5784</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-size: 9pt">Jack G. Hendon </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">Director</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">14,757.69</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">3,883</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">10,874.69</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-size: 9pt">Paul L. Johnson </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">Director</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">56,323</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">746</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">55,577</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-size: 9pt">Jae Maxfield</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">Former Director</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">492</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">60</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">432</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-size: 9pt">Bradley F. McGinnis</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">Director of ChoiceOne Bank</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">11,048</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">1,747</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">9,301</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-size: 9pt">Nels W. Nyblad<SUP>(3)</SUP></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">Director</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">36,686</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">5,797</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">30,889</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-size: 9pt">Kelly J. Potes</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">Director</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">20,053.9633</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">1,147</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">18,906.9633</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-size: 9pt">Michelle Wendling</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 9pt">Director of Lakestone Bank &amp; Trust</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">1,547</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">62</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 6.95pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-size: 9pt">1,485</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 4%; text-align: justify"><FONT STYLE="font-size: 10pt">(1)</FONT></TD>
    <TD STYLE="width: 93%; text-align: justify"><FONT STYLE="font-size: 9pt">Represents the number of shares of common stock beneficially owned by each selling shareholder that were issued prior to the date of this prospectus pursuant to the Plan and that may be offered pursuant to this prospectus.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">(2)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">Assumes the sale of all shares that are beneficially owned by such selling shareholder that may be offered pursuant to this prospectus, and further assumes no other sales or purchases of ChoiceOne common stock following March 1, 2020.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">(3)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">Includes shares held by Mr. Nyblad's trust.</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_005"></A>PLAN OF DISTRIBUTION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The selling shareholders
may sell all or a portion of the shares offered pursuant to this prospectus from time to time in ordinary broker transactions on
the NASDAQ Capital Market at the prices prevailing at the same of such sales or in private transactions. The selling shareholders
will be responsible for payment of all costs associated with any and all commissions to brokers. The selling shareholders will
also be responsible for all brokerage commissions and other expenses incurred by the selling shareholders, and ChoiceOne will pay
all other expenses incident to the sale of the shares to the public (including the costs associated with registration of such shares).
In connection with any sale, the selling shareholders and any brokers participating in such sales may be deemed to be underwriters
under the Securities Act, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_006"></A>INCORPORATION OF CERTAIN INFORMATION BY REFERENCE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">The following documents filed
by ChoiceOne with the Securities and Exchange Commission are incorporated in this registration statement by reference:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ChoiceOne's
annual report on Form 10-K for the fiscal year ended December 31, 2019.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
other reports filed by ChoiceOne pursuant to Section 13(a) or 15(d) of the Securities Exchange Act of 1934 (the &ldquo;Exchange
Act&rdquo;) since December 31, 2019.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
description of ChoiceOne's common stock contained in Exhibit 4.2 to the Registrant's annual report on Form 10-K for the fiscal
year ended December 31, 2019.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ChoiceOne&rsquo;s
Current Reports on Form 8-K filed January 6, 2020 and February 4, 2020 (other than any portions of the documents deemed to be furnished
and not filed).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">All documents subsequently
filed by ChoiceOne pursuant to Sections&nbsp;13(a), 13(c), 14 and 15(d) of the Exchange Act, prior to the filing of a post-effective
amendment which indicates that all securities offered have been sold or which deregisters all securities then remaining unsold,
shall be deemed to be incorporated by reference in this registration statement and to be a part thereof from the date of filing
of such documents.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_007"></A>DISCLOSURE OF COMMISSION POSITION ON INDEMNIFICATION<BR>
FOR&nbsp;SECURITIES&nbsp;<FONT STYLE="font-variant: small-caps">ACT</FONT>&nbsp;LIABILITIES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne's Articles of
Incorporation provide that ChoiceOne will indemnify, to the fullest extent permitted by the Michigan Business Corporation Act,
directors or executive officers of ChoiceOne against claims arising out of their service to ChoiceOne, a subsidiary of ChoiceOne,
or another organization at the request of ChoiceOne or its subsidiary. ChoiceOne's Bylaws additionally provide that ChoiceOne may
indemnify other persons who serve or served as a director, officer, employee, or agent of ChoiceOne or who have served at the request
of ChoiceOne as a director, officer, partner, trustee, employee, or agent of another foreign or domestic corporation, partnership,
joint venture, trust or other enterprise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Insofar as indemnification
for liabilities arising under the Securities Act may be permitted to directors, officers or persons controlling the registrant
pursuant to the foregoing provisions, the registrant has been informed that in the opinion of the Securities and Exchange Commission
such indemnification is against public policy as expressed in the Securities Act, and is therefore unenforceable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_008"></A>LEGAL MATTERS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The validity of the shares
of ChoiceOne common stock being offered pursuant to this prospectus will be passed upon by Warner Norcross + Judd LLP, 1500 Warner
Building, 150 Ottawa Avenue NW, Grand Rapids, Michigan 49503.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_009"></A>EXPERTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The consolidated financial
statements of ChoiceOne appearing in ChoiceOne&rsquo;s Annual Report on Form 10-K for the year ended December 31, 2019 have been
incorporated by reference herein upon the reports of Plante &amp; Moran, PLLC, an independent registered public accounting firm,
which reports have been incorporated by reference herein by inclusion of such reports in ChoiceOne&rsquo;s Annual Report on Form
10-K for the year ended December 31, 2019, and upon the authority of said firm as experts in accounting and auditing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_010"></A>WHERE YOU CAN FIND MORE INFORMATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne files annual,
quarterly, and current reports, proxy statements and other information with the Securities and Exchange Commission under the Exchange
Act. ChoiceOne files such reports and other information with the Securities and Exchange Commission electronically, and the Securities
and Exchange Commission maintains an internet website located at www.sec.gov containing this information. The reports and other
information that ChoiceOne files with the Securities and Exchange Commission is also available at its website, www.choiceone.com.
Information included on ChoiceOne&rsquo;s website is not incorporated by reference into this proxy statement and prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">You can obtain any reports,
proxy statements or other information filed by ChoiceOne with the Securities and Exchange Commission, without charge, electronically
at the Securities and Exchange Commission&rsquo;s website above. In addition, ChoiceOne will provide you with copies of any reports,
proxy statements or other information filed by ChoiceOne with the Securities and Exchange Commission, without charge, upon written
or oral request to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">ChoiceOne Financial Services, Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">109 East Division</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Sparta, Michigan 49345</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(616) 887-7366</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Attention: Thomas L. Lampen</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B></B></FONT></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Part
II</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Information
required in the registration statement</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Item 3.</B></FONT></TD>
    <TD STYLE="width: 85%; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Incorporation of Documents by Reference.</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">The following documents filed
by ChoiceOne Financial Services, Inc. (also referred to as the &ldquo;Registrant&rdquo; and &ldquo;ChoiceOne&rdquo;) with the Securities
and Exchange Commission are incorporated in this registration statement by reference:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Registrant&rsquo;s annual report on Form 10-K for the fiscal year ended December 31, 2019.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
other reports filed by the Registrant pursuant to Section 13(a) or 15(d) of the Securities Exchange Act of 1934 (the &ldquo;Exchange
Act&rdquo;) since December 31, 2019.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
description of ChoiceOne Financial Services, Inc. common stock contained in Exhibit 4.2 to the Registrant's annual report on Form
10-K for the fiscal year ended December 31, 2019.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ChoiceOne&rsquo;s
Current Reports on Form 8-K filed January 6, 2020 and February 4, 2020 (other than any portions of the documents deemed to be furnished
and not filed).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">All documents subsequently
filed by the Registrant pursuant to Sections&nbsp;13(a), 13(c), 14 and 15(d) of the Exchange Act, prior to the filing of a post-effective
amendment which indicates that all securities offered have been sold or which deregisters all securities then remaining unsold,
shall be deemed to be incorporated by reference in this registration statement and to be a part thereof from the date of filing
of such documents.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Item 4.</B></FONT></TD>
    <TD STYLE="width: 85%; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Description of Securities.</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">Not applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Item 5.</B></FONT></TD>
    <TD STYLE="width: 85%; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Interests of Named Experts and Counsel.</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">Not applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Item 6.</B></FONT></TD>
    <TD STYLE="width: 85%; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Indemnification of Directors and Officers.</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">ChoiceOne&rsquo;s Restated
Articles of Incorporation require it to indemnify directors and executive officers of ChoiceOne to the fullest extent now or in
the future permitted by the Michigan Business Corporation Act (the &ldquo;MBCA&rdquo;) in connection with any actual or threatened
civil, criminal, administrative or investigative action, suit or proceeding (whether brought by or in the name of ChoiceOne, a
subsidiary or otherwise) arising out of his or her service to ChoiceOne, a subsidiary or to another organization at the request
of ChoiceOne or a subsidiary. In addition, ChoiceOne&rsquo;s Restated Articles of Incorporation permit it to indemnify persons
who are not directors or executive officers of ChoiceOne to the extent authorized by its Bylaws, resolution of the Board of Directors
or contractual agreement authorized by the Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">ChoiceOne&rsquo;s Bylaws
permit ChoiceOne to indemnify any person who was or is a party or is threatened to be made a party to any threatened, pending,
or completed action, suit, or proceeding (other than an action by or in the right of ChoiceOne), whether civil, criminal, administrative,
or investigative and whether formal or informal, by reason of the fact that the person is or was a director, officer, employee,
or agent of ChoiceOne or is or was serving at the request of ChoiceOne as a director, officer, partner, trustee, employee, or agent
of another foreign or domestic corporation, partnership, joint venture, trust, or other enterprise, whether for profit or not for
profit, against expenses (including attorney fees), judgments, penalties, fines, and amounts paid in settlement actually and reasonably
incurred by the person in connection with such action, suit, or proceeding if the person acted</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">in good faith and in a manner he
or she reasonably believed to be in or not opposed to the best interests of ChoiceOne or its shareholders and, with respect to
a criminal action or proceeding, the person had no reasonable cause to believe his or her conduct was unlawful.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">ChoiceOne&rsquo;s Bylaws
further permit ChoiceOne to indemnify any person who was or is a party or is threatened to be made a party to any threatened, pending,
or completed action or suit by or in the right of ChoiceOne to procure a judgment in its favor by reason of the fact that the person
is or was a director, officer, employee, or agent of ChoiceOne or is or was serving at the request of ChoiceOne as a director,
officer, partner, trustee, employee, or agent of another foreign or domestic corporation, partnership, joint venture, trust, or
other enterprise, whether for profit or not for profit, against expenses (including attorney fees) and amounts paid in settlement
actually and reasonably incurred by the person in connection with the action or suit, if the person acted in good faith and in
a manner he or she reasonably believed to be in or not opposed to the best interests of ChoiceOne or its shareholders. However,
ChoiceOne&rsquo;s Bylaws provide that such indemnification shall not be made for a claim, issue, or matter in which the person
shall have been found liable to ChoiceOne except to the extent authorized by statute.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">In addition, ChoiceOne&rsquo;s
ability to indemnify its directors and officers or other persons is determined, to an extent, by the MBCA. The following is a summary
of the applicable provisions of the MBCA:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">Sections 561 through 571
of the MBCA contain provisions governing the indemnification of directors and officers by Michigan corporations. That statute provides
that a corporation has the power to indemnify a person who was or is a party or is threatened to be made a party to a threatened,
pending or completed action, suit or proceeding, whether civil, criminal, administrative or investigative and whether formal or
informal (other than an action by or in the right of the corporation) by reason of the fact that he or she is or was a director,
officer, employee or agent of the corporation, or is or was serving at the request of the corporation as a director, officer, partner,
trustee, employee or agent of another foreign or domestic corporation, partnership, joint venture, trust or other enterprise, whether
for profit or not, against expenses (including attorneys&rsquo; fees), judgments, penalties, fines and amounts paid in settlement
actually and reasonably incurred by him or her in connection with the action, suit or proceeding, if the person acted in good faith
and in a manner he or she reasonably believed to be in or not opposed to the best interests of the corporation or its shareholders,
and with respect to a criminal action or proceeding, if the person had no reasonable cause to believe his or her conduct was unlawful.
The termination of an action, suit or proceeding by judgment, order, settlement or conviction, or upon a plea of <I>nolo contendere</I>
or its equivalent, does not, of itself, create a presumption that the person did not act in good faith and in a manner that he
or she reasonably believed to be in or not opposed to the best interests of the corporation or its shareholders, and, with respect
to a criminal action or proceeding, had reasonable cause to believe that his or her conduct was unlawful.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">Indemnification of expenses
(including attorneys&rsquo; fees) and amounts paid in settlement is permitted in derivative actions, except that indemnification
is not allowed for any claim, issue or matter in which such person has been found liable to the corporation unless and to the extent
that a court decides indemnification is proper. To the extent that a director or officer has been successful on the merits or otherwise
in defense of an action, suit or proceeding, or in defense of a claim, issue or matter in the action, suit or proceeding, the corporation
shall indemnify him or her against actual and reasonable expenses (including attorneys&rsquo; fees) incurred by him or her in connection
with the action, suit or proceeding, and any action, suit or proceeding brought to enforce the mandatory indemnification provided
under the MBCA. The MBCA permits partial indemnification for a portion of expenses (including reasonable attorneys&rsquo; fees),
judgments, penalties, fines and amounts paid in settlement to the extent the person is entitled to indemnification for less than
the total amount.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">A determination that the
person to be indemnified meets the applicable standard of conduct and an evaluation of the reasonableness of the expenses incurred
and amounts paid in settlement shall be made: (i) by a majority vote of a quorum of the board of directors who were not parties
or threatened to be made parties to the action, suit or proceeding; (ii) if a quorum cannot be so obtained, by a majority vote
of a committee of not less than two directors who are not, at the time, parties or threatened to be made parties to the action,
suit or proceeding; (iii) in a written opinion by independent legal counsel; (iv) by all independent directors not parties or threatened
to be made parties to the action, suit or proceeding; or (v) by the shareholders (excluding shares held by interested directors,
officers, employees or agents). An authorization for payment of indemnification may be made by: (a) the board of directors by (i)
a majority vote of 2 or more directors who are not parties or threatened to be made parties to the action, suit or proceeding,
(ii) a majority vote of a committee of 2 or more directors who are not parties or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">threatened to be made parties to the action,
suit or proceeding, (iii) a majority vote of 1 or more &ldquo;independent directors&rdquo; who are not parties or threatened to
be made parties to the action, suit or proceeding, or (iv) if the corporation lacks the appropriate persons for alternatives (i)
through (iii), by a majority vote of the entire board of directors; or (b) the shareholders (excluding shares held by interested
directors, officers, employees or agents). Under the MBCA, ChoiceOne may indemnify a director without a determination that the
director has met the applicable standard of conduct unless the director received a financial benefit to which he or she was not
entitled, intentionally inflicted harm on the corporation or its shareholders, violated Section 551 of the MBCA (which prohibits
certain dividends, distributions and loans to insiders of the corporation), or intentionally committed a criminal act. A director
may file for a court determination of the propriety of indemnification in any of the situations set forth in the preceding sentence.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">In certain circumstances,
the MBCA further permits advances to cover such expenses before a final disposition of the proceeding, upon receipt of an undertaking,
which need not be secured and which may be accepted without reference to the financial ability of the person to make repayment,
by or on behalf of the director, officer, employee or agent to repay such amounts if it shall ultimately be determined that he
or she has not met the applicable standard of conduct. If a provision in the articles of incorporation or bylaws, a resolution
of the board or shareholders, or an agreement makes indemnification mandatory, then the advancement of expenses is also mandatory,
unless the provision, resolution or agreement specifically provides otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">The indemnification provisions
of the MBCA are not exclusive of the rights to indemnification under a corporation&rsquo;s articles of incorporation or bylaws
or by agreement. However, the total amount of expenses advanced or indemnified from all sources combined may not exceed the amount
of actual expenses incurred by the person seeking indemnification or advancement of expenses. The indemnification provided for
under the MBCA continues as to a person who ceases to be a director, officer, employee or agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">The MBCA permits ChoiceOne
to purchase insurance on behalf of its directors, officers, employees and agents against liabilities arising out of their positions
with ChoiceOne, whether or not such liabilities would be within the above indemnification provisions. Pursuant to this authority,
ChoiceOne maintains such insurance on behalf of its directors, officers and employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Item 7.</B></FONT></TD>
    <TD STYLE="width: 85%; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Exemption from Registration Claimed.</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">Not applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify; text-indent: -1in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify; text-indent: -1in"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Item 8.</B></FONT></TD>
    <TD STYLE="width: 85%; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Exhibits.</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify; text-indent: -1in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">The following exhibits are
filed as part of or incorporated by reference into this registration statement:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 11%; text-align: justify"><FONT STYLE="font-size: 10pt">Exhibit<BR>
<U>Number</U></FONT></TD>
    <TD STYLE="width: 3%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 86%; text-align: justify"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt"><BR><U>Document</U></FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="http://www.sec.gov/Archives/edgar/data/803164/000090572920000030/choiceex31_020420.htm">4.1</A></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="http://www.sec.gov/Archives/edgar/data/803164/000090572920000030/choiceex31_020420.htm">Restated Articles of Incorporation of ChoiceOne Financial Services, Inc. Previously filed as an exhibit to ChoiceOne Financial Services, Inc.&rsquo;s Form 8-A filed February 4, 2020. Here incorporated by reference.</A></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="http://www.sec.gov/Archives/edgar/data/803164/000090572919000175/choiceex31_100119.htm">4.2</A></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="http://www.sec.gov/Archives/edgar/data/803164/000090572919000175/choiceex31_100119.htm">Bylaws of ChoiceOne Financial Services, Inc., as currently in effect, and any amendments thereto. Previously filed as an exhibit to ChoiceOne Financial Services, Inc.&rsquo;s Form 8-K filed October 1, 2019. Here incorporated by reference.</A></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="http://www.sec.gov/Archives/edgar/data/803164/000138713114001190/ex4.htm">4.3</A></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="http://www.sec.gov/Archives/edgar/data/803164/000138713114001190/ex4.htm">Advances, Pledge and Security Agreement between ChoiceOne Bank and the Federal Home Loan Bank of Indianapolis. Previously filed as an exhibit to ChoiceOne Financial Services, Inc.&rsquo;s Form 10-K Annual Report for the year ended December 31, 2013. Here incorporated by reference.</A></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="choiceex5stock_031620.htm">5</A></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="choiceex5stock_031620.htm">Opinion of Warner Norcross &amp; Judd LLP.</A></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="choiceex231stock_031620.htm">23.1</A></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="choiceex231stock_031620.htm">Consent of Independent Registered Accounting Firm.</A> </FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">23.2</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Consent of Warner Norcross &amp; Judd LLP (included in Exhibit 5 and here incorporated by reference).</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="choiceex24stock_031620.htm">24</A></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="choiceex24stock_031620.htm">Powers of Attorney.</A></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="http://www.sec.gov/Archives/edgar/data/803164/000138713120002889/ex10-4.htm">99.1</A></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><A HREF="http://www.sec.gov/Archives/edgar/data/803164/000138713120002889/ex10-4.htm">ChoiceOne Financial Services, Inc. Directors' Stock Purchase Plan. Previously filed as an exhibit to ChoiceOne Financial Services, Inc.&rsquo;s Form 10-K Annual Report for the year ended December 31, 2019. Here incorporated by reference.</A></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Item 9.</B></FONT></TD>
    <TD STYLE="width: 85%; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Undertakings.</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
undersigned Registrant hereby undertakes:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0.5in">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To
file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To
include any prospectus required by Section&nbsp;10(a)(3) of the Securities Act of 1933;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To
reflect in the prospectus any facts or events arising after the effective date of the registration statement (or the most recent
post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set
forth in the registration statement. Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if
the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high
end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Securities and Exchange Commission
pursuant to Rule 424(b) if, in the aggregate, the changes in volume and price represent no more than a 20 percent change in the
maximum aggregate offering price set forth in the &ldquo;Calculation of Registration Fee&rdquo; table in the effective registration
statement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To
include any material information with respect to the plan of distribution not previously disclosed in the registration statement
or any material change to such information in the registration statement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify"><I>provided, however, </I>that paragraphs&nbsp;(a)(1)(i)
and&nbsp;(a)(1)(ii) do not apply if the information required to be included in a post-effective amendment by those paragraphs is
contained in reports filed with or furnished to the Securities and Exchange Commission by the Registrant pursuant to Section&nbsp;13
or&nbsp;15(d) of the Securities Exchange Act of 1934 that are incorporated by reference in the registration statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0.5in">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;That,
for the purpose of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed
to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time
shall be deemed to be the initial <I>bona fide </I>offering thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0.5in">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To
remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the
termination of the offering.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
undersigned Registrant hereby undertakes that, for purposes of determining any liability under the Securities Act of 1933, each
filing of the Registrant&rsquo;s annual report pursuant to Section&nbsp;13(a) or&nbsp;15(d) of the Securities Exchange Act of 1934
that is incorporated by reference in the registration statement shall be deemed to be a new registration statement relating to
the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial <I>bona fide</I>
offering thereof.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>SIGNATURES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in"><I>The Registrant. </I>Pursuant
to the requirements of the Securities Act of 1933, the Registrant certifies that it has reasonable grounds to believe that it
meets all of the requirements for filing on Form S-8 and has duly caused this registration statement to be signed on its behalf
by the undersigned, thereunto duly authorized, in the Village of Sparta, State of Michigan, on March 16, 2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 38%; text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="width: 32%; text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">ChoiceOne Financial Services, Inc.</FONT></TD>
    <TD STYLE="width: 6%; text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="width: 24%; text-align: justify; line-height: 12.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: right; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">By:&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">/s/ Kelly J. Potes</FONT></TD>
    <TD STYLE="text-align: left; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">March 16, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">Kelly J. Potes<BR>
Chief Executive Officer</FONT></TD>
    <TD STYLE="text-align: left; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-align: justify; text-indent: 0.5in">Pursuant to the
requirements of the Securities Act of 1933, this registration statement has been signed by the following persons in the capacities
and on the date indicated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.5pt 0 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 27%; border-bottom: Black 1pt solid; text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">/s/ Kelly J. Potes</FONT></TD>
    <TD STYLE="width: 4%; text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="width: 39%; text-align: left; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">Chief Executive Officer and<BR>
Director (Principal Executive Officer)</FONT></TD>
    <TD STYLE="width: 5%; text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="width: 25%; text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">March 16, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp; Kelly J. Potes</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">/s/ Thomas L. Lampen</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="text-align: left; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">Treasurer (Principal Financial&nbsp;and<BR>
Accounting Officer)</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">March 16, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Thomas L. Lampen</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">*/s/ Paul L. Johnson</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="text-align: left; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">Chairman of the Board and Director</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">March 16, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Paul L. Johnson</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">*/s/ Bruce J. Cady</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">Vice Chairman of the Board and Director</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">March 16, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Bruce J. Cady</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">*/s/ James A. Bosserd</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">Director</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">March 16, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;James A. Bosserd</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">*/s/ Keith D. Brophy</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">Director</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">March 16, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;Keith D. Brophy</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">*/s/ Michael J. Burke, Jr.</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">Director</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">March 16, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Michael J. Burke, Jr.</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">*/s/ Harold J. Burns</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">Director</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">March 16, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Harold J. Burns</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">*/s/ Eric E. Burroughs</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">Director</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">March 16, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Eric E. Burroughs</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">*/s/ David H. Bush</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">Director</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">March 16, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;David H. Bush</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">*/s/ Patrick A. Cronin</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">Director</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">March 16, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Patrick A. Cronin</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
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<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">*/s/ Jack G. Hendon</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">Director</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">March 16, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Jack G. Hendon</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
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    <TD STYLE="text-align: justify; line-height: 12.5pt; width: 4%">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt; width: 39%"><FONT STYLE="font-size: 10pt">Director</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt; width: 5%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt; width: 25%"><FONT STYLE="font-size: 10pt">March 16, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Gregory A. McConnell</FONT></TD>
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    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">*/s/ Nels W. Nyblad</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">Director</FONT></TD>
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    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">March 16, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Nels W. Nyblad</FONT></TD>
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    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">*/s/ Roxanne M. Page</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">Director</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">March 16,  2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Roxanne M. Page</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 12.5pt">&nbsp;</TD>
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    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">*By /s/
    Thomas L. Lampen</FONT></TD>
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    <TD STYLE="text-align: left; line-height: 12.5pt">&nbsp;</TD>
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    <TD STYLE="text-align: justify; line-height: 12.5pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Attorney-in-Fact</FONT></TD>
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[{"type": "S-8", "sequence": "1", "filename": "choices8stockpp_031620.htm", "description": "FORM S-8 DIERCTORS' STOCK PURCHASE PLAN", "secsgml_size_bytes": 130664}]
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Registration No. 333 –_______
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
__________________
FORM S-8
REGISTRATION STATEMENT
UNDER THE SECURITIES ACT OF 1933
__________________
CHOICEONE FINANCIAL SERVICES, INC.
(Exact Name of Registrant as Specified in its
Charter)
Michigan
(State or Other Jurisdiction of
Incorporation or Organization)
38-2659066
(I.R.S. Employer
Identification Number)
109 East Division, Sparta, Michigan
(Address of Principal Executive Offices)
49345
(Zip Code)
ChoiceOne
Financial Services, Inc.
DIRECTORS' STOCK PURCHASE PLAN
(Full Title of the Plan)
Adom J. Greenland
Chief Operating Officer
ChoiceOne Financial Services, Inc.
109 East Division
Sparta, Michigan 49345
Copies to:
Jeffrey A. Ott
Charlie Goode
Warner Norcross & Judd LLP
1500 Warner Building
150 Ottawa Avenue, NW
Grand Rapids, Michigan 49503-2832
(Name and Address of Agent for Service)
(616) 887-7366
(Telephone Number, Including Area Code, of Agent for Service)
Indicate by check mark whether the registrant
is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company.
See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company,"
and "emerging growth company" in Rule 12b-2 of the Exchange Act.
Large accelerated Filer
o
Non-accelerated filer
o
Accelerated filer
þ
Smaller reporting company
þ
Emerging growth company
o
If an emerging growth company, indicate by check
mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting
standards provided pursuant to Section 7(a)(2)(B) of the Securities Act.
o
CALCULATION OF REGISTRATION FEE
Title of
Securities to be
Registered
Amount to be
Registered
Proposed Maximum
Offering Price
Per Share (4)(5)
Proposed Maximum
Aggregate
Offering Price (4)(5)
Amount of
Registration Fee
Common Stock
45,879
    shares (1)(2)
$28.90
$1,325,903.10
$172.10
Common Stock
97,385 shares (1)(3)
$28.90
$2,814,426.50
$365.31
(1)
In addition, pursuant to Rule 416(a) under the Securities Act of 1933, this registration statement also covers such indeterminate number of additional shares as may be authorized in the event of an adjustment as a result of an increase in the number of issued shares of common stock resulting from the payment of stock dividends or stock splits or certain other capital adjustments.
(2)
Represents shares previously issued pursuant to the ChoiceOne Financial Services, Inc. Directors' Stock Purchase Plan, as amended.
(3)
Represents shares issuable pursuant to the ChoiceOne Financial Services, Inc. Directors' Stock Purchase Plan, as amended.
(4)
Estimated solely for the purpose of calculating the registration fee.
(5)
The registration fee is computed in accordance
with Rule 457(h) and (c) under the Securities Act of 1933. On March 11, 2020, the average of the high and low sales prices for
ChoiceOne Financial Services, Inc. common stock as reported on the NASDAQ Capital Market was $28.90.
EXPLANATORY
STATEMENT
This Registration Statement
is filed by ChoiceOne Financial Services, Inc. (also referred to as the "Registrant" and "ChoiceOne") in
accordance with the requirements of Form S-8 under the Securities Act to register 97,385 shares of Common Stock issuable under
the ChoiceOne Financial Services, Inc. Directors' Stock Purchase Plan, as amended (the "Plan") that may be issued
after the filing of this Registration Statement.
This Registration Statement
also includes a prospectus prepared in accordance with General Instruction C of Form S-8 and in accordance with the requirements
of Part I of Form S-3. This prospectus may be used for reofferings and resales on a continuous or delayed basis in the future
of up to an aggregate of 45,879 shares of Common Stock constituting "restricted securities" that were issued under
the Plan prior to the filing of this Registration Statement.
REOFFER
PROSPECTUS
45,879 Shares of
ChoiceOne Financial Services, Inc. Common
Stock
This reoffer prospectus
relates to 45,879 shares of ChoiceOne Financial Services, Inc. ("ChoiceOne") common stock, no par value, that may be
reoffered and resold from time to time by the selling shareholders of ChoiceOne set forth in this prospectus. The shares of common
stock subject to this prospectus have been acquired by the selling shareholders pursuant to the terms of the ChoiceOne Financial
Services, Inc. Directors' Stock Purchase Plan, as amended (the "Plan").
ChoiceOne is a financial holding company incorporated in Michigan.
ChoiceOne's two wholly-owned subsidiaries are ChoiceOne Bank and Lakestone Bank & Trust. ChoiceOne's headquarters are located
at 109 East Division, Sparta, Michigan 49345 and its phone number is (616) 887-7366. ChoiceOne's common stock is listed on the
NASDAQ Capital Market under the trading symbol "COFS." On March 11, 2020, the closing price per share of ChoiceOne
common stock was $28.94.
You should read and consider
the "Risk Factors" section below beginning on page 1 of this prospectus before purchasing ChoiceOne's common stock.
Neither the Securities
and Exchange Commission nor any state securities commission has approved or disapproved of these securities or passed upon the
adequacy or accuracy of this prospectus. Any representation to the contrary is a criminal offense.
The date of this prospectus is March 16, 2020.
Table
of Contents
RISK FACTORS
1
FORWARD-LOOKING STATEMENTS
1
USE OF PROCEEDS
1
SELLING SHAREHOLDERS
1
PLAN OF DISTRIBUTION
2
INCORPORATION OF CERTAIN INFORMATION BY REFERENCE
2
DISCLOSURE OF COMMISSION POSITION ON INDEMNIFICATION FOR SECURITIES ACT LIABILITIES
3
LEGAL MATTERS
3
EXPERTS
3
WHERE YOU CAN FIND MORE INFORMATION
3
RISK FACTORS
Information concerning
risk factors is contained in Item 1A, "Risk Factors," in ChoiceOne's Annual Report on Form 10-K for the year
ended December 31, 2019 and in certain other documents incorporated by reference in this prospectus. See "Incorporation of
Certain Documents by Reference" and "Where You Can Find Additional Information" below for additional information.
FORWARD-LOOKING STATEMENTS
This prospectus and the
documents incorporated by reference herein contain forward-looking statements that are based on management's beliefs, assumptions,
current expectations, estimates and projections about the financial services industry, the economy, and ChoiceOne itself. Words
such as "anticipates," "believes," "estimates," "expects," "forecasts,"
"intends," "is likely," "plans," "predicts," "projects," "may,"
"could," "look forward," "continue", "future", and variations of such words and
similar expressions are intended to identify such forward-looking statements. All statements with references to future time periods
are forward-looking. These statements are not guarantees of future performance and involve certain risks, uncertainties and assumptions
("risk factors") that are difficult to predict with regard to timing, extent, likelihood, and degree of occurrence.
Therefore, actual results and outcomes may materially differ from what may be expressed, implied or forecasted in such forward-looking
statements. Furthermore, ChoiceOne undertakes no obligation to update, amend, or clarify forward-looking statements, whether as
a result of new information, future events, or otherwise.
Risk factors include, but
are not limited to, the risk factors set forth described in ChoiceOne's Annual Report on Form 10-K for the year ended December
31, 2019. These and other factors are representative of the risk factors that may emerge and could cause a difference between an
ultimate actual outcome and a forward-looking statement.
USE OF PROCEEDS
The proceeds from the sale
of the common stock offered pursuant to this prospectus are solely for the account of the selling shareholders. ChoiceOne will
not receive any of the proceeds from any sale of shares by the selling shareholders.
SELLING SHAREHOLDERS
The following table sets
forth certain information with respect to each of the selling shareholders, including (a) the name of the selling shareholder;
(b) the number of shares of common stock beneficially owned by the selling shareholder as of March 1, 2020; (c) the maximum number
of shares of common stock that the selling shareholder may offer pursuant to this prospectus; and (d) the number of shares
of common stock beneficially owned by the selling shareholder after the offering, assuming the sale of all shares that may be
offered by such shareholder hereunder.
A selling shareholders
may not have a present intention of selling all or any of the shares that such selling shareholder may offer pursuant to this prospectus,
and there is no assurance that some or all of the selling shareholders will sell all or any of such shares.
Name of Selling Shareholder
Title
Number of Shares Beneficially Owned Prior to Offering
Number of Shares that May be Offered
(2)
Number of Shares Beneficially Owned After Offering
(3)
Greg L. Armock
Director of ChoiceOne Bank
23,964.8613
2,518
21,446.8613
Frank G. Berris
Former Director
52,351
5,376
46,975
James A. Bosserd
Director
24,611.1654
729
23,882.1654
Keith D. Brophy
Director
10,872.1568
2,510
8,362.1568
Harold J. Burns
Director
8,654
265
8,389
Eric E. Burrough
Director
126,120
265
125,855
David H. Bush
Director
122,625
66
122,559
David Churchill
Director of Lakestone Bank & Trust
6,048
62
5,986
Curt Coulter
Director of Lakestone Bank & Trust
2,822.2949
125
2,697.2949
William F. Cutler Jr.
Former Director
77,072.5784
20,521
56,551.5784
Jack G. Hendon
Director
14,757.69
3,883
10,874.69
Paul L. Johnson
Director
56,323
746
55,577
Jae Maxfield
Former Director
492
60
432
Bradley F. McGinnis
Director of ChoiceOne Bank
11,048
1,747
9,301
Nels W. Nyblad
(3)
Director
36,686
5,797
30,889
Kelly J. Potes
Director
20,053.9633
1,147
18,906.9633
Michelle Wendling
Director of Lakestone Bank & Trust
1,547
62
1,485
(1)
Represents the number of shares of common stock beneficially owned by each selling shareholder that were issued prior to the date of this prospectus pursuant to the Plan and that may be offered pursuant to this prospectus.
(2)
Assumes the sale of all shares that are beneficially owned by such selling shareholder that may be offered pursuant to this prospectus, and further assumes no other sales or purchases of ChoiceOne common stock following March 1, 2020.
(3)
Includes shares held by Mr. Nyblad's trust.
PLAN OF DISTRIBUTION
The selling shareholders
may sell all or a portion of the shares offered pursuant to this prospectus from time to time in ordinary broker transactions on
the NASDAQ Capital Market at the prices prevailing at the same of such sales or in private transactions. The selling shareholders
will be responsible for payment of all costs associated with any and all commissions to brokers. The selling shareholders will
also be responsible for all brokerage commissions and other expenses incurred by the selling shareholders, and ChoiceOne will pay
all other expenses incident to the sale of the shares to the public (including the costs associated with registration of such shares).
In connection with any sale, the selling shareholders and any brokers participating in such sales may be deemed to be underwriters
under the Securities Act, as amended.
INCORPORATION OF CERTAIN INFORMATION BY REFERENCE
The following documents filed
by ChoiceOne with the Securities and Exchange Commission are incorporated in this registration statement by reference:
(a)       ChoiceOne's
annual report on Form 10-K for the fiscal year ended December 31, 2019.
(b)       All
other reports filed by ChoiceOne pursuant to Section 13(a) or 15(d) of the Securities Exchange Act of 1934 (the "Exchange
Act") since December 31, 2019.
(c)       The
description of ChoiceOne's common stock contained in Exhibit 4.2 to the Registrant's annual report on Form 10-K for the fiscal
year ended December 31, 2019.
(d)       ChoiceOne's
Current Reports on Form 8-K filed January 6, 2020 and February 4, 2020 (other than any portions of the documents deemed to be furnished
and not filed).
All documents subsequently
filed by ChoiceOne pursuant to Sections 13(a), 13(c), 14 and 15(d) of the Exchange Act, prior to the filing of a post-effective
amendment which indicates that all securities offered have been sold or which deregisters all securities then remaining unsold,
shall be deemed to be incorporated by reference in this registration statement and to be a part thereof from the date of filing
of such documents.
- 2 -
DISCLOSURE OF COMMISSION POSITION ON INDEMNIFICATION
FOR SECURITIES
ACT
LIABILITIES
ChoiceOne's Articles of
Incorporation provide that ChoiceOne will indemnify, to the fullest extent permitted by the Michigan Business Corporation Act,
directors or executive officers of ChoiceOne against claims arising out of their service to ChoiceOne, a subsidiary of ChoiceOne,
or another organization at the request of ChoiceOne or its subsidiary. ChoiceOne's Bylaws additionally provide that ChoiceOne may
indemnify other persons who serve or served as a director, officer, employee, or agent of ChoiceOne or who have served at the request
of ChoiceOne as a director, officer, partner, trustee, employee, or agent of another foreign or domestic corporation, partnership,
joint venture, trust or other enterprise.
Insofar as indemnification
for liabilities arising under the Securities Act may be permitted to directors, officers or persons controlling the registrant
pursuant to the foregoing provisions, the registrant has been informed that in the opinion of the Securities and Exchange Commission
such indemnification is against public policy as expressed in the Securities Act, and is therefore unenforceable.
LEGAL MATTERS
The validity of the shares
of ChoiceOne common stock being offered pursuant to this prospectus will be passed upon by Warner Norcross + Judd LLP, 1500 Warner
Building, 150 Ottawa Avenue NW, Grand Rapids, Michigan 49503.
EXPERTS
The consolidated financial
statements of ChoiceOne appearing in ChoiceOne's Annual Report on Form 10-K for the year ended December 31, 2019 have been
incorporated by reference herein upon the reports of Plante & Moran, PLLC, an independent registered public accounting firm,
which reports have been incorporated by reference herein by inclusion of such reports in ChoiceOne's Annual Report on Form
10-K for the year ended December 31, 2019, and upon the authority of said firm as experts in accounting and auditing.
WHERE YOU CAN FIND MORE INFORMATION
ChoiceOne files annual,
quarterly, and current reports, proxy statements and other information with the Securities and Exchange Commission under the Exchange
Act. ChoiceOne files such reports and other information with the Securities and Exchange Commission electronically, and the Securities
and Exchange Commission maintains an internet website located at www.sec.gov containing this information. The reports and other
information that ChoiceOne files with the Securities and Exchange Commission is also available at its website, www.choiceone.com.
Information included on ChoiceOne's website is not incorporated by reference into this proxy statement and prospectus.
You can obtain any reports,
proxy statements or other information filed by ChoiceOne with the Securities and Exchange Commission, without charge, electronically
at the Securities and Exchange Commission's website above. In addition, ChoiceOne will provide you with copies of any reports,
proxy statements or other information filed by ChoiceOne with the Securities and Exchange Commission, without charge, upon written
or oral request to:
ChoiceOne Financial Services, Inc.
109 East Division
Sparta, Michigan 49345
(616) 887-7366
Attention: Thomas L. Lampen
- 3 -
Part
II
Information
required in the registration statement
Item 3.
Incorporation of Documents by Reference.
The following documents filed
by ChoiceOne Financial Services, Inc. (also referred to as the "Registrant" and "ChoiceOne") with the Securities
and Exchange Commission are incorporated in this registration statement by reference:
(a)       The
Registrant's annual report on Form 10-K for the fiscal year ended December 31, 2019.
(b)       All
other reports filed by the Registrant pursuant to Section 13(a) or 15(d) of the Securities Exchange Act of 1934 (the "Exchange
Act") since December 31, 2019.
(c)       The
description of ChoiceOne Financial Services, Inc. common stock contained in Exhibit 4.2 to the Registrant's annual report on Form
10-K for the fiscal year ended December 31, 2019.
(d)       ChoiceOne's
Current Reports on Form 8-K filed January 6, 2020 and February 4, 2020 (other than any portions of the documents deemed to be furnished
and not filed).
All documents subsequently
filed by the Registrant pursuant to Sections 13(a), 13(c), 14 and 15(d) of the Exchange Act, prior to the filing of a post-effective
amendment which indicates that all securities offered have been sold or which deregisters all securities then remaining unsold,
shall be deemed to be incorporated by reference in this registration statement and to be a part thereof from the date of filing
of such documents.
Item 4.
Description of Securities.
Not applicable.
Item 5.
Interests of Named Experts and Counsel.
Not applicable.
Item 6.
Indemnification of Directors and Officers.
ChoiceOne's Restated
Articles of Incorporation require it to indemnify directors and executive officers of ChoiceOne to the fullest extent now or in
the future permitted by the Michigan Business Corporation Act (the "MBCA") in connection with any actual or threatened
civil, criminal, administrative or investigative action, suit or proceeding (whether brought by or in the name of ChoiceOne, a
subsidiary or otherwise) arising out of his or her service to ChoiceOne, a subsidiary or to another organization at the request
of ChoiceOne or a subsidiary. In addition, ChoiceOne's Restated Articles of Incorporation permit it to indemnify persons
who are not directors or executive officers of ChoiceOne to the extent authorized by its Bylaws, resolution of the Board of Directors
or contractual agreement authorized by the Board of Directors.
ChoiceOne's Bylaws
permit ChoiceOne to indemnify any person who was or is a party or is threatened to be made a party to any threatened, pending,
or completed action, suit, or proceeding (other than an action by or in the right of ChoiceOne), whether civil, criminal, administrative,
or investigative and whether formal or informal, by reason of the fact that the person is or was a director, officer, employee,
or agent of ChoiceOne or is or was serving at the request of ChoiceOne as a director, officer, partner, trustee, employee, or agent
of another foreign or domestic corporation, partnership, joint venture, trust, or other enterprise, whether for profit or not for
profit, against expenses (including attorney fees), judgments, penalties, fines, and amounts paid in settlement actually and reasonably
incurred by the person in connection with such action, suit, or proceeding if the person acted
in good faith and in a manner he
or she reasonably believed to be in or not opposed to the best interests of ChoiceOne or its shareholders and, with respect to
a criminal action or proceeding, the person had no reasonable cause to believe his or her conduct was unlawful.
ChoiceOne's Bylaws
further permit ChoiceOne to indemnify any person who was or is a party or is threatened to be made a party to any threatened, pending,
or completed action or suit by or in the right of ChoiceOne to procure a judgment in its favor by reason of the fact that the person
is or was a director, officer, employee, or agent of ChoiceOne or is or was serving at the request of ChoiceOne as a director,
officer, partner, trustee, employee, or agent of another foreign or domestic corporation, partnership, joint venture, trust, or
other enterprise, whether for profit or not for profit, against expenses (including attorney fees) and amounts paid in settlement
actually and reasonably incurred by the person in connection with the action or suit, if the person acted in good faith and in
a manner he or she reasonably believed to be in or not opposed to the best interests of ChoiceOne or its shareholders. However,
ChoiceOne's Bylaws provide that such indemnification shall not be made for a claim, issue, or matter in which the person
shall have been found liable to ChoiceOne except to the extent authorized by statute.
In addition, ChoiceOne's
ability to indemnify its directors and officers or other persons is determined, to an extent, by the MBCA. The following is a summary
of the applicable provisions of the MBCA:
Sections 561 through 571
of the MBCA contain provisions governing the indemnification of directors and officers by Michigan corporations. That statute provides
that a corporation has the power to indemnify a person who was or is a party or is threatened to be made a party to a threatened,
pending or completed action, suit or proceeding, whether civil, criminal, administrative or investigative and whether formal or
informal (other than an action by or in the right of the corporation) by reason of the fact that he or she is or was a director,
officer, employee or agent of the corporation, or is or was serving at the request of the corporation as a director, officer, partner,
trustee, employee or agent of another foreign or domestic corporation, partnership, joint venture, trust or other enterprise, whether
for profit or not, against expenses (including attorneys' fees), judgments, penalties, fines and amounts paid in settlement
actually and reasonably incurred by him or her in connection with the action, suit or proceeding, if the person acted in good faith
and in a manner he or she reasonably believed to be in or not opposed to the best interests of the corporation or its shareholders,
and with respect to a criminal action or proceeding, if the person had no reasonable cause to believe his or her conduct was unlawful.
The termination of an action, suit or proceeding by judgment, order, settlement or conviction, or upon a plea of
nolo contendere
or its equivalent, does not, of itself, create a presumption that the person did not act in good faith and in a manner that he
or she reasonably believed to be in or not opposed to the best interests of the corporation or its shareholders, and, with respect
to a criminal action or proceeding, had reasonable cause to believe that his or her conduct was unlawful.
Indemnification of expenses
(including attorneys' fees) and amounts paid in settlement is permitted in derivative actions, except that indemnification
is not allowed for any claim, issue or matter in which such person has been found liable to the corporation unless and to the extent
that a court decides indemnification is proper. To the extent that a director or officer has been successful on the merits or otherwise
in defense of an action, suit or proceeding, or in defense of a claim, issue or matter in the action, suit or proceeding, the corporation
shall indemnify him or her against actual and reasonable expenses (including attorneys' fees) incurred by him or her in connection
with the action, suit or proceeding, and any action, suit or proceeding brought to enforce the mandatory indemnification provided
under the MBCA. The MBCA permits partial indemnification for a portion of expenses (including reasonable attorneys' fees),
judgments, penalties, fines and amounts paid in settlement to the extent the person is entitled to indemnification for less than
the total amount.
A determination that the
person to be indemnified meets the applicable standard of conduct and an evaluation of the reasonableness of the expenses incurred
and amounts paid in settlement shall be made: (i) by a majority vote of a quorum of the board of directors who were not parties
or threatened to be made parties to the action, suit or proceeding; (ii) if a quorum cannot be so obtained, by a majority vote
of a committee of not less than two directors who are not, at the time, parties or threatened to be made parties to the action,
suit or proceeding; (iii) in a written opinion by independent legal counsel; (iv) by all independent directors not parties or threatened
to be made parties to the action, suit or proceeding; or (v) by the shareholders (excluding shares held by interested directors,
officers, employees or agents). An authorization for payment of indemnification may be made by: (a) the board of directors by (i)
a majority vote of 2 or more directors who are not parties or threatened to be made parties to the action, suit or proceeding,
(ii) a majority vote of a committee of 2 or more directors who are not parties or
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threatened to be made parties to the action,
suit or proceeding, (iii) a majority vote of 1 or more "independent directors" who are not parties or threatened to
be made parties to the action, suit or proceeding, or (iv) if the corporation lacks the appropriate persons for alternatives (i)
through (iii), by a majority vote of the entire board of directors; or (b) the shareholders (excluding shares held by interested
directors, officers, employees or agents). Under the MBCA, ChoiceOne may indemnify a director without a determination that the
director has met the applicable standard of conduct unless the director received a financial benefit to which he or she was not
entitled, intentionally inflicted harm on the corporation or its shareholders, violated Section 551 of the MBCA (which prohibits
certain dividends, distributions and loans to insiders of the corporation), or intentionally committed a criminal act. A director
may file for a court determination of the propriety of indemnification in any of the situations set forth in the preceding sentence.
In certain circumstances,
the MBCA further permits advances to cover such expenses before a final disposition of the proceeding, upon receipt of an undertaking,
which need not be secured and which may be accepted without reference to the financial ability of the person to make repayment,
by or on behalf of the director, officer, employee or agent to repay such amounts if it shall ultimately be determined that he
or she has not met the applicable standard of conduct. If a provision in the articles of incorporation or bylaws, a resolution
of the board or shareholders, or an agreement makes indemnification mandatory, then the advancement of expenses is also mandatory,
unless the provision, resolution or agreement specifically provides otherwise.
The indemnification provisions
of the MBCA are not exclusive of the rights to indemnification under a corporation's articles of incorporation or bylaws
or by agreement. However, the total amount of expenses advanced or indemnified from all sources combined may not exceed the amount
of actual expenses incurred by the person seeking indemnification or advancement of expenses. The indemnification provided for
under the MBCA continues as to a person who ceases to be a director, officer, employee or agent.
The MBCA permits ChoiceOne
to purchase insurance on behalf of its directors, officers, employees and agents against liabilities arising out of their positions
with ChoiceOne, whether or not such liabilities would be within the above indemnification provisions. Pursuant to this authority,
ChoiceOne maintains such insurance on behalf of its directors, officers and employees.
Item 7.
Exemption from Registration Claimed.
Not applicable.
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Item 8.
Exhibits.
The following exhibits are
filed as part of or incorporated by reference into this registration statement:
Exhibit
Number
Document
4.1
Restated Articles of Incorporation of ChoiceOne Financial Services, Inc. Previously filed as an exhibit to ChoiceOne Financial Services, Inc.'s Form 8-A filed February 4, 2020. Here incorporated by reference.
4.2
Bylaws of ChoiceOne Financial Services, Inc., as currently in effect, and any amendments thereto. Previously filed as an exhibit to ChoiceOne Financial Services, Inc.'s Form 8-K filed October 1, 2019. Here incorporated by reference.
4.3
Advances, Pledge and Security Agreement between ChoiceOne Bank and the Federal Home Loan Bank of Indianapolis. Previously filed as an exhibit to ChoiceOne Financial Services, Inc.'s Form 10-K Annual Report for the year ended December 31, 2013. Here incorporated by reference.
5
Opinion of Warner Norcross & Judd LLP.
23.1
Consent of Independent Registered Accounting Firm.
23.2
Consent of Warner Norcross & Judd LLP (included in Exhibit 5 and here incorporated by reference).
24
Powers of Attorney.
99.1
ChoiceOne Financial Services, Inc. Directors' Stock Purchase Plan. Previously filed as an exhibit to ChoiceOne Financial Services, Inc.'s Form 10-K Annual Report for the year ended December 31, 2019. Here incorporated by reference.
Item 9.
Undertakings.
(a)       The
undersigned Registrant hereby undertakes:
(1)       To
file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement:
(i)       To
include any prospectus required by Section 10(a)(3) of the Securities Act of 1933;
(ii)       To
reflect in the prospectus any facts or events arising after the effective date of the registration statement (or the most recent
post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set
forth in the registration statement. Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if
the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high
end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Securities and Exchange Commission
pursuant to Rule 424(b) if, in the aggregate, the changes in volume and price represent no more than a 20 percent change in the
maximum aggregate offering price set forth in the "Calculation of Registration Fee" table in the effective registration
statement;
(iii)       To
include any material information with respect to the plan of distribution not previously disclosed in the registration statement
or any material change to such information in the registration statement;
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provided, however,
that paragraphs (a)(1)(i)
and (a)(1)(ii) do not apply if the information required to be included in a post-effective amendment by those paragraphs is
contained in reports filed with or furnished to the Securities and Exchange Commission by the Registrant pursuant to Section 13
or 15(d) of the Securities Exchange Act of 1934 that are incorporated by reference in the registration statement.
(2)       That,
for the purpose of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed
to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time
shall be deemed to be the initial
bona fide
offering thereof.
(3)       To
remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the
termination of the offering.
(b)       The
undersigned Registrant hereby undertakes that, for purposes of determining any liability under the Securities Act of 1933, each
filing of the Registrant's annual report pursuant to Section 13(a) or 15(d) of the Securities Exchange Act of 1934
that is incorporated by reference in the registration statement shall be deemed to be a new registration statement relating to
the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial
bona fide
offering thereof.
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SIGNATURES
The Registrant.
Pursuant
to the requirements of the Securities Act of 1933, the Registrant certifies that it has reasonable grounds to believe that it
meets all of the requirements for filing on Form S-8 and has duly caused this registration statement to be signed on its behalf
by the undersigned, thereunto duly authorized, in the Village of Sparta, State of Michigan, on March 16, 2020.
ChoiceOne Financial Services, Inc.
By:
/s/ Kelly J. Potes
March 16, 2020
Kelly J. Potes
Chief Executive Officer
Pursuant to the
requirements of the Securities Act of 1933, this registration statement has been signed by the following persons in the capacities
and on the date indicated.
/s/ Kelly J. Potes
Chief Executive Officer and
Director (Principal Executive Officer)
March 16, 2020
Kelly J. Potes
/s/ Thomas L. Lampen
Treasurer (Principal Financial and
Accounting Officer)
March 16, 2020
Thomas L. Lampen
*/s/ Paul L. Johnson
Chairman of the Board and Director
March 16, 2020
Paul L. Johnson
*/s/ Bruce J. Cady
Vice Chairman of the Board and Director
March 16, 2020
Bruce J. Cady
*/s/ James A. Bosserd
Director
March 16, 2020
James A. Bosserd
*/s/ Keith D. Brophy
Director
March 16, 2020
Keith D. Brophy
*/s/ Michael J. Burke, Jr.
Director
March 16, 2020
Michael J. Burke, Jr.
*/s/ Harold J. Burns
Director
March 16, 2020
Harold J. Burns
*/s/ Eric E. Burroughs
Director
March 16, 2020
Eric E. Burroughs
*/s/ David H. Bush
Director
March 16, 2020
David H. Bush
*/s/ Patrick A. Cronin
Director
March 16, 2020
Patrick A. Cronin
*/s/ Jack G. Hendon
Director
March 16, 2020
Jack G. Hendon
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*/s/ Gregory A. McConnell
Director
March 16, 2020
Gregory A. McConnell
*/s/ Nels W. Nyblad
Director
March 16, 2020
Nels W. Nyblad
*/s/ Roxanne M. Page
Director
March 16,  2020
Roxanne M. Page
*By /s/
    Thomas L. Lampen
Attorney-in-Fact
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