EXHIBIT 32.2

 STATEMENT FURNISHED PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED
                                  PURSUANT TO
                 SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002,

The undersigned, Amy E. Essex, is the Chief Financial Officer of First Federal
of Northern Michigan Bancorp, Inc. (the "Company").

This statement is being furnished in connection with the filing by the Company
of the Company's Quarterly Report on Form 10-Q for the quarter ended September
30, 2008 (the "Report").

     By execution of this statement, I certify that to the best of my knowledge:

          A)   the Report fully complies with the requirements of Section 13(a)
               or 15(d) of the Securities Exchange Act of 1934 ; and

          B)   the information contained in the Report fairly presents, in all
               material respects, the financial condition and results of
               operations of the Company as of the dates and for the periods
               covered by the Report.

A signed original of this written statement required by Section 906 has been
provided to First Federal of Northern Bancorp, Inc. and will be retained by
First Federal of Northern Michigan Bancorp, Inc. and furnished to the Securities
and Exchange Commission or its staff upon request.


November 14, 2008                       /s/ Amy E. Essex
Dated                                   ----------------------------------------
                                        Amy E. Essex


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