EXHIBIT 23.3



RP FINANCIAL, LC.
- ---------------------------------------------------
Financial Services Industry Consultants


                                                January 25, 2005



Boards of Directors
Alpena Bancshares, M.H.C.
Alpena Bancshares, Inc.
First Federal of Northern Michigan
100 South Second Avenue
Alpena, Michigan  49707

Members of the Boards:

        We hereby consent to the use of our firm's name in the Form AC
Application for Conversion and the Registration Statement on Form SB-2 for First
Federal of Northern Michigan Bancorp, Inc., and any amendments thereto. We also
hereby consent to the inclusion of, summary of and references to our Appraisal
and our statement concerning subscription rights in such filings including the
prospectus of First Federal of Northern Michigan Bancorp, Inc.


                                                Sincerely,
                                                RP(R) FINANCIAL, LC.


                                                /s/ RP(R) FINANCIAL, LC.




- --------------------------------------------------------------------------------
WASHINGTON HEADQUARTERS                                Telephone: (703) 528-1700
Rosslyn Center                                           Fax No.: (703) 528-1788
1700 North Moore Street, Suite 2210                Toll-Free No.: (866) 723-0594
Arlington, VA 22209                                 E-Mail: mail@rpfinancial.com
www.rpfinancial.com