EXHIBIT 99

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


FOR IMMEDIATE RELEASE
January 25, 2006

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


                FIRST FEDERAL OF NORTHERN MICHIGAN BANCORP, INC.
                         ANNOUNCES EXECUTIVE PROMOTIONS


     Alpena,  Michigan  - (January  25,  2006) The Board of  Directors  of First
Federal of Northern  Michigan  Bancorp,  Inc. (the  "Company")  announced  today
several promotions within the Company's executive ranks and within the executive
staff of First Federal of Northern Michigan,  the Company's federal savings bank
subsidiary (the "Bank").

     The following individuals were promoted to new positions at the Company and
the Bank:

     --Michael W. Mahler was appointed  President and Chief Operating Officer of
the  Company  and the  Bank.  Mr.  Mahler  had been  Executive  Vice  President,
Secretary  and  Treasurer  since  November 2004 and prior to that had been Chief
Financial Officer, Treasurer and Corporate Secretary since November 2002.

     --Jerome W. Tracey was appointed Executive Vice President and Chief Lending
Officer of the  Company  and the Bank.  Mr.  Tracey  had  served as Senior  Vice
President and Senior Lender since September 2001 and prior to that had served as
Vice President of Commercial Services since joining the Bank in November 1999.

     --Amy E. Essex was named Chief Financial  Officer,  Treasurer and Corporate
Secretary  of the  Company  and the Bank.  Ms.  Essex had been  Chief  Financial
Officer  since  November  2004 and prior to that,  since March  2003,  served as
Internal Auditor and Compliance Officer.

     Martin A. Thomson,  who had served as President and Chief Executive Officer
of the  Company and the Bank since  October  2001,  will retain the  position of
Chief  Executive  Officer and Director of the Company and the Bank.  Mr. Thomson



has served as a director  of the Bank since 1986 and a director  of the  Company
since its  formation (as Alpena  Bancshares,  Inc.,  predecessor  of the current
Company) in November 2000.

     In addition,  the following  individuals  were named  officers of the Bank:
Julie A. Curtis, Vice President,  Commercial Services Manager and Josh A. Lucas,
Assistant Vice President, Retail Banking Manager.

     James C.  Rapin,  Chairman  of  Board,  speaking  on behalf of the Board of
Directors,  said,  "It is especially  rewarding to have a talented and dedicated
management  team and staff for promotion and  selection  opportunities.  We were
able to readily fill each of these positions from within our own workforce."

     First Federal of Northern  Michigan is a federally  chartered  savings bank
headquartered in Alpena,  Michigan with branch locations in Alanson,  Mancelona,
Gaylord, Mio, Lewiston, Cheboygan, Ossineke and Oscoda, Michigan.


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