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): February 22, 2010

                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 3.01. Notice of Delisting or Failure to Satisfy a Continued Listing Rule or
Standard; Transfer of Listing
- -------------------------------------------------------------------------------

On February 22, 2010, First Federal of Northern  Michigan  Bancorp,  Inc.'s (the
"Company") application to transfer the listing of its common stock to the NASDAQ
Capital Market from the NASDAQ Global Market was approved. This transfer will be
effective  at the opening of business on February 25,  2010,  and the  Company's
common stock will continue to trade under the symbol  "FFNM." The Company issued
a press release on February 22, 2010 that disclosed its receipt of this approval
from Nasdaq. A copy of the press release is furnished herewith as Exhibit 99.1.


Item 9.01  Financial Statements and Exhibits
           ---------------------------------

     Exhibit 99.1     Press Release dated February 22, 2010.












                                   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: February 25, 2010                  By:  /s/ Amy E. Essex
                                              ------------------------------
                                              Amy E. Essex
                                              Chief Financial Officer
                                              (Duly Authorized Representative)