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): October 31, 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       (Commission File No.)     (IRS Employer
     of incorporation)                                       Identification 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 2.02.   Results of Operation and Financial Condition.

     On October 31,  2005,  First  Federal of Northern  Michigan  Bancorp,  Inc.
issued a press  release  regarding  its  earnings for the fiscal  quarter  ended
September 30, 2005.

     A copy  of the  press  release  dated  October  31,  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 October 31, 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:  October 31, 2005             By: /s/ Amy E. Essex
                                        ---------------------------
                                        Amy E. Essex
                                        Chief Financial Officer