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): April 1, 2005

                First Federal of Northern Michigan Bancorp, Inc.
             (Exact name of registrant as specified in its charter)

           Maryland                  0-31957                32-0135202
----------------------------      --------------        ------------------
(State or other jurisdiction     (Commission File No.)   (IRS Employer
of incorporation                                         Identification No.)


100 S. Second Ave., Alpena, Michigan                        49707
------------------------------------                  ------------------
(Address of principal executive offices)                 (Zip Code)


Registrant's telephone number, including area code:  (989) 356-9041


                                 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 (see General Instruction A.2. below):

[  ]  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 May 12,  2005,  First  Federal of Northern  Michigan  Bancorp,  Inc.
issued a press release regarding its earnings for the fiscal quarter ended March
31, 2005.

         A copy  of the  press  release  dated  May  12,  2005,  giving  details
associated  with the  company's  earnings is  attached  as Exhibit  99.1 to this
report. The information included in Exhibit 99.1 is considered to be "furnished"
under the Securities Exchange Act of 1934.

Item 9.01.   Financial Statements and Exhibits.

(a) Not Applicable.

(b) Not Applicable.

(c) Exhibits.

                  Exhibit No.               Description
                  ---------                 -----------
                     99.1                   Press release dated May 12, 2005






                                   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 NORHTERN MICHIGAN BANCORP, INC.


DATE:  May 13, 2005           By: /s/ Michael W. Mahler
                                  -----------------------------------
                                  Michael W. Mahler
                                  Executive Vice President