EXHIBIT 99

        PRESS RELEASE OF FIRST FEDERAL OF NORTHERN MICHIGAN BANCORP, INC.


FOR IMMEDIATE RELEASE
December 13, 2005

Contact:     Martin A. Thomson
             President and Chief Executive Officer
             First Federal of Northern Michigan Bancorp, Inc.
             (989) 356-9041


          FIRST FEDERAL OF NORTHERN MICHIGAN BANCORP QUARTERLY DIVIDEND


     ALPENA,  Michigan - December 13, 2005 - First Federal of Northern  Michigan
Bancorp, Inc. (the "Company") (NASDAQ: FFNM) announced the approval by its Board
of Directors  of a cash  dividend on its common stock of $0.05 per share for the
quarter ended December 31, 2005. The dividend will be payable to stockholders of
record as of December 31, 2005 and will be paid on January 20, 2006. The Company
has 3,115,510 shares of common stock outstanding.

     The  Company  is the  unitary  savings  and loan  holding  company of First
Federal of Northern  Michigan,  a federal savings bank  headquartered in Alpena,
Michigan.


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