UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                  SCHEDULE 13G

                    Under the Securities Exchange Act of 1934

                               (Amendment _____)*


                       First Federal of Northern Michigan
                      ------------------------------------
                                (Name of Issuer)


                     Common Stock, $0.01 par value per share
                     ---------------------------------------
                         (Title of Class of Securities)

                                   32021X 10 5
                                 ---------------
                                 (CUSIP Number)

                                December 31, 2005
                               -------------------
             (Date of Event Which Requires Filing of This Statement)

     Check the  appropriate  box to  designate  the rule  pursuant to which this
Schedule is filed:


[X]                Rule 13d-1(b)

[ ]                Rule 13d-1(c)

[ ]                Rule 13d-1(d)

*The  remainder of this cover page shall be filled out for a reporting  person's
initial filing on this form with respect to the subject class of securities, and
for any  subsequent  amendment  containing  information  which  would  alter the
disclosures provided in a prior cover page.

The information required in the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the  Securities  Exchange  Act of
1934 ("Act") or otherwise  subject to the liabilities of that section of the Act
but  shall be  subject  to all other  provisions  of the Act  (however,  see the
Notes).

                               Page 1 of 5 Pages




CUSIP NO. 32021X 10 5                  13G                     Page 2 of 5 Pages


================================================================================

1        Names of Reporting Persons
         I.R.S. Identification Nos. of above persons (entities only)

                    First Federal of Northern Michigan
                    Employee Stock Ownership Plan Trust

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2        Check the Appropriate Box if a Member of a Group (See Instructions)
         (a)      __________
         (b)      ____x_____

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3        SEC Use Only

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4        Citizenship or Place of Organization
                    Michigan
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    Number of Shares      5     Sole Voting Power
 Beneficially Owned by
 Each Reporting Person                129,462
         With:
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                          6     Shared Voting Power

                                      51,221
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                          7     Sole Dispositive Power

                                      180,683
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                          8     Shared Dispositive Power

                                      0
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9        Aggregate Amount Beneficially Owned by Each Reporting Person

                    180,683
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10       Check if the Aggregate Amount in Row (9) Excludes Certain Shares
         (See Instructions)

          N/A
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11       Percent of Class Represented by Amount in Row 9

         5.8% of 3,115,510 shares of Common Stock outstanding as of
         December 31, 2005.
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------

12       Type of Reporting Person (See Instructions)

                    EP
================================================================================



CUSIP NO.   32021X 10 5               13G                      Page 3 of 5 Pages


Item 1
         (a)      Name of Issuer

                  First Federal of Northern Michigan Bancorp, Inc.

         (b)      Address of Issuer's Principal Executive Offices

                  100 S. Second Avenue
                  Alpena, Michigan 49707

Item 2
         (a)      Name of Person Filing

                  First Federal of Northern Michigan
                  Employee Stock Ownership Plan Trust
                  Trustee: First Bankers Trust Services, Inc.

          (b)     Address of Principal Business Office

                  2321 Kochs Lane
                  P.O. Box 4005
                  Quincy, IL 62305

         (c)      Citizenship or Place of Organization

                  Michigan

         (d)      Title of Class of Securities

                  Common Stock, par value $0.01 per share

         (e)      CUSIP Number

                  32021X 10 5

Item 3.           If this statement is  filed pursuant to ss.ss.240.13d-1(b)  or
                  240.13d-2(b,  or (c), check whether the person filing is a:

                           (f) [X] An employee benefit plan or endowment fund in
                  accordance with ss.240.13d-1(b)(1)(ii)(F).

Item 4.           Ownership

                  Provide  the  following  information  regarding  the aggregate
                  number and percentage of the class of securities of the issuer
                  identified in Item 1.

                  (a) Amount beneficially owned: 180,683.
                  (b) Percent of class:5.8.




 CUSIP NO. 32020 V 100          13G                           Page 4 of 5 Pages



                  (c) Number of shares as to which the person has:

                (i)   Sole power to vote or to direct the vote 129,462.
                (ii)  Shared power to vote or to direct the vote 51,221.
                (iii) Sole power to dispose or to  direct  the  disposition of
                      180,683.
                (iv)  Shared power to dispose or to direct the disposition of 0.

Item 5.          Ownership of Five Percent or Less of a Class

                 Not applicable

Item 6.          Ownership of More Than Five Percent on Behalf of Another Person

                 Not applicable

Item 7.          Identification  and  Classification  of  the  Subsidiary  Which
                 Acquired the Security Being Reported on by the  Parent  Holding
                 Company

                 Not applicable

Item 8.          Identification and Classification of Members of the Group

                       The reporting  person is an employee benefit plan subject
                 to the provisions  of  the Employee  Retirement Income Security
                 Act of 1974.

Item 9.          Notice of Dissolution of Group

                 Not applicable

Item 10. Certification

                    By signing below I certify that, to the best of my knowledge
               and belief,  the  securities  referred to above were acquired and
               are held in the ordinary course of business and were not acquired
               and are not  held  for the  purpose  of or  with  the  effect  of
               changing  or  influencing  the  control  of  the  issuer  of  the
               securities  and  were not  acquired  in  connection  with or as a
               participant in any transaction having that purpose or effect.





CUSIP NO. 32021X 10 5                                         Page 5 of 5 Pages




                                    SIGNATURE


     After  reasonable  inquiry and to the best of my  knowledge  and belief,  I
certify that the information  set forth in this statement is true,  complete and
correct.



Date: February 13, 2006                 FIRST FEDERAL OF NORTHERN MICHIGAN
                                        EMPLOYEE STOCK
                                        OWNERSHIP PLAN TRUST

                                         By: First Bankers Trust Services, Inc.,
                                             as Trustee


                                         /s/ Linda J. Shultz
                                         --------------------------------------
                                         Name: Linda J. Shultz
                                         Title:  Trust Officer