SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                    FORM 8-K

                                 CURRENT REPORT

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

        Date of Report (Date of earliest event reported): August 2, 2005

                First Federal of Northern Michigan Bancorp, Inc.
             (Exact name of registrant as specified in its charter)

             Maryland                    0-31957           32-0135202
- -------------------------------      ---------------       ------------
(State or other jurisdiction of    (Commission File No.)   (IRS Employer
 incorporation)                                             Idenfiction No.)


100 S. Second Ave., Alpena, Michigan                        49707
- ------------------------------------                  ------------------
(Address of principal executive offices)                  (Zip Code)


Registrant's telephone number, including area code:  (989) 356-9041


                                 Not Applicable
          -------------------------------------------------------------
          (Former name or former address, if changed since last report)

Check  the  appropriate  box  below  if the  Form  8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

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

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

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

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






Item 8.01.     Other Events.

     On August 2, 2005, First Federal of Northern Michigan Bancorp,  Inc. issued
a press  release  regarding  its earnings for the fiscal  quarter ended June 30,
2005.

     A copy of the press release dated August 2, 2005, giving details associated
with the  company's  earnings is attached as Exhibit  99.1 to this  report.  The
information  included in Exhibit 99.1 is considered to be "furnished"  under the
Securities Exchange Act of 1934.

Item 9.01.     Financial Statements and Exhibits.

(a)    Not Applicable.

(b)    Not Applicable.

(c)    Exhibits.

            Exhibit No.                   Description
            -----------                   -----------

                   99.1                   Press release dated August 2, 2005






                                   SIGNATURES

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

                              FIRST FEDERAL OF NORTHERN MICHIGAN BANCORP, INC.


DATE:  August 3, 2005         By: /s/ Amy E. Essex
                                  ------------------------
                                  Amy E. Essex
                                  Chief Financial Officer