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 27, 2009

                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 8.01.  Other Events.
            -------------

     On February 27, 2009,  First  Federal of Northern  Michigan  Bancorp,  Inc.
announced  the  sale  of the  health,  life,  property  and  casualty  insurance
operations of InsuranCenter of Alpena, the Company's insurance affiliate.

     Details of the transaction  are reported in the press release,  filed as an
Exhibit to this Form 8-K.

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)  Exhibit 99.1: Press Release dated February 27, 2009














                                   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 27, 2009                    By:  /s/ Amy E. Essex
                                                ------------------------------
                                                Amy E. Essex
                                                Chief Financial Officer
                                                (Duly Authorized Representative)