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): November 9, 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 2.02  Results of Operations and Financial Condition
           ---------------------------------------------

     On November 9, 2009, First Federal of Northern Michigan Bancorp,  Inc. (the
"Company")  issued a press  release  regarding  its  results of  operations  and
financial  condition at and for the three months and nine months ended September
30,  2009.  The text of the press  release is included  as Exhibit  99.1 to this
report.  The information  included in the press release text is considered to be
"furnished" under the Securities  Exchange Act of 1934. The Company will include
final financial  statements and additional  analyses at and for the three months
and nine months ended September 30, 2009, as part of its Form 10-Q covering that
period.

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)  Exhibits.

     The following Exhibit is attached as part of this report:


     99.1 Press release dated November 9, 2009, announcing the Company's results
     of operations and financial  condition at and for the three months and nine
     months ended September 30, 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: November 10, 2009                   By:  /s/ Amy E. Essex
                                              ------------------------------
                                              Amy E. Essex
                                              Chief Financial Officer
                                              (Duly Authorized Representative)