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): March 5, 2009

                FIRST FEDERAL OF NORTHERN MICHIGAN BANCORP, INC.
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             (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 2.02      Results of Operations and Financial Condition

     On March 5, 2009,  First Federal of Northern  Michigan  Bancorp,  Inc. (the
"Company")  issued a press  release  regarding  its  results of  operations  and
financial condition at and for the three months and twelve months ended December
31,  2008.  The text of the press  release is included  as Exhibit  99.1 to this
report.  The information  included in the press release text is considered to be
"furnished" under the Securities  Exchange Act of 1934. The Company will include
final financial  statements and additional  analyses at and for the three months
and twelve  months ended  December 31, 2008,  as part of its Form 10-K  covering
that period.

Item 9.01      Financial Statements and Exhibits

     (a)       Financial Statements of businesses acquired. Not Applicable.

     (b)       Pro forma financial information. Not Applicable.

     (c)       Shell Company Transactions. Not Applicable

     (d)       Exhibits.

               The following Exhibit is attached as part of this report:

     99.1      Press  release  dated  March 5, 2009,  announcing  the  Company's
               results of  operations  and  financial  condition  at and for the
               three months and twelve months ended December, 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: March 9, 2009                By:  /s/ Amy E. Essex
                                        ----------------------------------
                                        Amy E. Essex
                                        Chief Financial Officer
                                        (Duly Authorized Representative)