EX-21 4 v215653_ex21.htm
 
EXHIBIT 21

SUBSIDIARIES OF THE REGISTRANT
 
 
 
 
 
EXHIBIT 21

Subsidiaries of the Registrant

Parent Company
  
Subsidiary Companies
  
State of Incorporation
         
First Federal of Northern Michigan Bancorp, Inc.
  
First Federal of Northern Michigan
  
Federal
         
First Federal of Northern Michigan
  
Financial Services and Mortgage Corporation
  
Michigan
         
First Federal of Northern Michigan
  
FFNM Agency, Inc
  
Michigan