EXHIBIT 99

                First Federal of Northern Michigan Bancorp, Inc.
                               100 S. Second Ave.
                                Alpena, MI 49707
                                 (989) 356-9041


September 18, 2007

FOR IMMEDIATE RELEASE

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



                FIRST FEDERAL OF NORTHERN MICHIGAN BANCORP, INC.
                          ANNOUNCES QUARTERLY DIVIDEND


     ALPENA,  Michigan - September 18, 2007 - 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 ending  September 30, 2007. The dividend will be payable to stockholders
of record as of  September  30,  2007 and will be paid on or about  October  19,
2007. The Company has 2,884,249 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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