8-K

                                    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): September 13, 2005

                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 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 CRF 240.13e-4(c))







Item 8.01.   Other Events.

     On September 13, 2005,  the Board of Directors of First Federal of Northern
Michigan Bancorp, Inc. (the "Company") declared a cash dividend on the Company's
common stock of $0.05 per share for the quarter ended  September  30, 2005.  The
dividend will be payable to  stockholders of record as of September 30, 2005 and
will be paid on October 21, 2005.

     A copy of the press  release  dated  September  13,  2005,  giving  details
associated with the dividend is attached as Exhibit 99 to this report.

Item 9.01.   Financial Statements and Exhibits.

(a) Not Applicable.

(b) Not Applicable.

(c) Exhibits.

         Exhibit No.         Description
         -----------         -----------
            99               Press release dated September 13, 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 NORTHERN MICHIGAN
                                  BANCORP, INC.


DATE:  September 14, 2005         By: /s/ Michael W. Mahler
                                  --------------------------------------------
                                      Michael W. Mahler
                                      Executive Vice President

EX-99

                                   EXHIBIT 99

        PRESS RELEASE OF FIRST FEDERAL OF NORTHERN MICHIGAN BANCORP, INC.


FOR IMMEDIATE RELEASE
September 13, 2005

Contact:     Martin A. Thomson
             President and Chief Executive Officer
             First Federal of Northern Michigan Bancorp, Inc.
             (989) 356-9041


          FIRST FEDERAL OF NORTHERN MICHIGAN BANCORP QUARTERLY DIVIDEND


     ALPENA,  Michigan - September 13, 2005 - First Federal of Northern Michigan
Bancorp, Inc. (the "Company") (NASDAQ: FFNM) announced the approval by its Board
of Directors  of a cash  dividend on its common stock of $0.05 per share for the
quarter ended  September 30, 2005. The dividend will be payable to  stockholders
of record as of  September  30, 2005 and will be paid on October 21,  2005.  The
Company has 3,100,021 total shares outstanding.

     The  Company  is the  unitary  savings  and loan  holding  company of First
Federal of Northern  Michigan,  a federal savings bank  headquartered in Alpena,
Michigan.



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