The article focuses on Huron Community Bank, the state member bank subsidiary of Huron Community Financial Services both of East Tawas, Michigan, has requested the Board's approval under section 18(c) of the Federal Deposit Insurance Act to acquire certain assets and First Federal of Northern Michigan Bancorp. Topics include the time for submitting comments has expired and no comments were received and the Board has considered the proposal in light of the factors set 4th in the Bank Merger Act.