Unassociated Document
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 3, 2010
 
FIRST FEDERAL OF NORTHERN MICHIGAN BANCORP, INC.
(Exact name of Registrant as specified in its charter)

Maryland
(State or Other Jurisdiction
of Incorporation)
0-31957
 (Commission
File Number)
38-0135202
(I.R.S. Employer
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 2.02          Results of Operations and Financial Condition

On March 3, 2010, First Federal of Northern Michigan Bancorp, Inc. (the "Company") issued a press release regarding its results of operations and financial condition at and for the three months and twelve months ended December 31, 2009.  The text of the press release is included as Exhibit 99.1 to this report. The information included in the press release text is considered to be "furnished" under the Securities Exchange Act of 1934.  The Company will include final financial statements and additional analyses at and for the three months and twelve months ended December 31, 2009, as part of its Form 10-K covering that period.

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:
 
99.1            Press release dated March 3, 2010, announcing the Company’s results of operations and financial condition at and for the three months and twelve months ended December 31, 2009.

 
 
 

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 3, 2010
By:
 /s/ Amy E. Essex
   
Amy E. Essex
   
Chief Financial Officer
   
(Duly Authorized Representative)