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 20, 2006

                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 2.02.    Results of Operations and Financial Condition.

     On February 20, 2006,  First  Federal of Northern  Michigan  Bancorp,  Inc.
reported  earnings  for the quarter and year ended  December  31,  2005. A press
release dated February 20, 2006,  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) Financial Statements of Businesses Acquired. Not Applicable.

(b) Pro Forma Financial Information. Not Applicable.

(c) Shell Company Transactions. Not Applicable.

(d) Exhibits.

             Exhibit No.           Description
             -----------           -----------
                99.1               Press release dated February 20, 2006






                                   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 21, 2006               By:  /s/ Michael W. Mahler
                                           -----------------------------------
                                           Michael W. Mahler
                                           President and Chief Operating Officer




                                  EXHIBIT 99.1

                                 PRESS RELEASE