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): November 7, 2006

                First Federal of Northern Michigan Bancorp, Inc.
             (Exact name of registrant as specified in its charter)

        Maryland                          0-31957              32-0135202
----------------------------      -----------------------    -------------
(State or other jurisdiction       (Commission File No.)     (IRS Employer
     of incorporation)                                      Identification No.)



100 S. Second Ave., Alpena, Michigan                               49707
---------------------------------------                       -----------------
(Address of principal executive offices)                         (Zip Code)


Registrant's telephone number, including area code:  (989) 356-9041


                                 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 (see General Instruction A.2. below):

[  ]  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  November 7, 2006,  First  Federal of Northern  Michigan  Bancorp,  Inc.
reported  earnings for the quarter  ended  September  30, 2006. A press  release
dated November 7, 2006, giving details associated with the company's earnings is
attached as Exhibit 99 to this report. The information included in Exhibit 99 is
considered to be "furnished" under the Securities Exchange Act of 1934.

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.

                  Exhibit No.              Description
                  -----------              -----------
                        99                 Press release dated November 7, 2006






                                   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:  November 8, 2006                By: /s/ Amy E. Essex
                                           ----------------------------------
                                           Amy E. Essex
                                           Chief Financial Officer