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<SEC-DOCUMENT>0000943374-08-000364.txt : 20080304
<SEC-HEADER>0000943374-08-000364.hdr.sgml : 20080304
<ACCEPTANCE-DATETIME>20080304151148
ACCESSION NUMBER:		0000943374-08-000364
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20080304
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20080304
DATE AS OF CHANGE:		20080304

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			First Federal of Northern Michigan Bancorp, Inc.
		CENTRAL INDEX KEY:			0001128227
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				383567362

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-31957
		FILM NUMBER:		08663306

	BUSINESS ADDRESS:	
		STREET 1:		100 SOUTH SECOND AVENUE
		CITY:			ALPNEA
		STATE:			MI
		ZIP:			49707
		BUSINESS PHONE:		(989) 356-9041

	MAIL ADDRESS:	
		STREET 1:		100 SOUTH SECOND AVENUE
		CITY:			ALPENA
		STATE:			MI
		ZIP:			49707

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ALPENA BANCSHARES INC
		DATE OF NAME CHANGE:	20001114
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>form8k_030408.txt
<DESCRIPTION>FORM 8-K MARCH 4, 2008
<TEXT>
                                  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): March 4, 2008
                                  -------------

                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))


<PAGE>


Item 8.01. Other Events.

     First  Federal of  Northern  Michigan  Bancorp,  Inc.  (Nasdaq:  FFNM) (the
"Company")  announced that its wholly owned  subsidiary,  the  InsuranCenter  of
Alpena  ("ICA"),  intends to sell to the Grotenhuis  Group (a managing agent for
Blue Cross Blue Shield of Michigan)  the rights to service  insurance  contracts
and collect  commissions  on such  contracts  written  through local Chambers of
Commerce  located in an 11-county  area in northeast  Michigan.  The purchase is
expected  to  close  on  April  1,  2008.  As part of the  transaction,  certain
employees of ICA will transfer to the Grotenhuis Group to service the contracts.
The Company expects to record a nominal gain in connection with the sale.


Item 9.01. Financial Statements and Exhibits.

     (a)  Financial Statements of Businesses Acquired: None

     (b)  Pro Forma Financial Information: None

     (c)  Shell company transactions: None

     (d)  Exhibits: None


<PAGE>


                                   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: March 4, 2008                  By:  /s/ Michael Mahler
      -------------                        -----------------------------------
                                           Michael Mahler
                                           President and Chief Operating Officer
                                           (Duly Authorized Representative)


</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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