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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