Item 2.02 Results of Operations and Financial Condition --------------------------------------------- On August 8, 2008, 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 six months ended June 30, 2008. 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 six months ended June 30, 2008, as part of its Form 10-QSB 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 August 8, 2008, announcing the Company's results of operations and financial condition at and for the three months and six months ended June 30, 2008. 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: August 11, 2008 By: /s/ Amy E. Essex ------------------------------ Amy E. Essex Chief Financial Officer (Duly Authorized Representative) </TEXT> </DOCUMENT>