EXHIBIT 99

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


December 12, 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 - December 12, 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  December 31, 2007. The dividend will be payable to  stockholders
of record as of December 31, 2007 and will be paid on or about January 18, 2008.
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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