UNITED STATES
                       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): December 16, 2008
                                -----------------

                FIRST FEDERAL OF NORTHERN MICHIGAN BANCORP, INC.
                ------------------------------------------------
             (Exact name of Registrant as specified in its charter)

Maryland                            0-31957                       38-0135202
- ---------                           -------                       ----------
(State or Other Jurisdiction     (Commission                  (I.R.S. Employer
of Incorporation)                File Number)                Identification No.)

                   100 S. Second Ave., Alpena, Michigan 49707
                   ------------------------------------------
                    (Address of principal executive offices)
                                 (989) 356-9041
                         Registrant's telephone number,
                               including area code

                                 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:

|_| 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 8.01. Other Events.

     First Federal of Northern Michigan Bancorp,  Inc. (the "Company")  (NASDAQ:
FFNM)  announced  the  suspension  of its  quarterly  dividend.  A press release
setting forth details of the dividend suspension is attached as Exhibit 99.

Item 9.01. Financial Statements and Exhibits.

        (a) Financial Statements of Businesses Acquired: None

        (b) Pro Forma Financial Information: None

        (c) Shell company transactions: None

        (d) Exhibits:

                Exhibit 99  Press Release, dated December 16, 2008











                                   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: December 19, 2008                       By: /s/ Amy E. Essex
      -----------------                          -------------------------------
                                                 Amy E. Essex
                                                 Chief Financial Officer
                                                 Duly Authorized Representative)