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): February 23, 2010

                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))





Item 5.03(a).  Amendments  to Articles  of  Incorporation  or Bylaws;  Change in
               Fiscal Year
               -----------------------------------------------------------------

     On  February  23,  2010,  the Board of  Directors  of the First  Federal of
Northern  Michigan  Bancorp,  Inc.  (the  "Company")   unanimously  approved  an
amendment to Article II,  Section 14 of the  Company's  Bylaws to change the age
limitation for service on the Board of Directors from 75 years to 72 years.

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.

          The  following Exhibit is attached as part of this report:


     3.2  First Federal of Northern Michigan Bancorp, Inc. Bylaws, as amended as
          described in this Form 8-K





                                   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 25, 2010                 By:  /s/ Amy E. Essex
                                             ------------------------------
                                             Amy E. Essex
                                             Chief Financial Officer
                                             (Duly Authorized Representative)