SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549
                                   Form 10-K/A
                              --------------------

            [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
                         SECURITIES EXCHANGE ACT OF 1934

                   For the fiscal year ended December 31, 1998

                         Commission file number 0-25752

                               FNBH BANCORP, INC.
             (Exact name of registrant as specified in its charter)

               MICHIGAN                                    38-2869722
   (State or other jurisdiction of                      (I.R.S. Employer
    incorporation or organization)                     Identification No.)

                  101 East Grand River, Howell, Michigan 48843
               (Address of principal executive offices) (Zip Code)

        Registrant's telephone number, including area code: (517)546-3150

        Securities registered pursuant to Section 12(b) of the Act: None

           Securities registered pursuant to Section 12(g) of the Act:
                           Common Stock, no par value
                                (Title of Class)
                             -----------------------

Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the  preceding 12 months (or for such  shorter  period that the  registrant  was
required  to file  such  reports),  and  (2) has  been  subject  to such  filing
requirements for the past 90 days. Yes _X_ No___

Indicate by check mark if disclosure of delinquent  filers  pursuant to Item 405
of Regulation  S-K is not contained  herein,  and will not be contained,  to the
best of Registrant's  knowledge,  in definitive proxy or information  statements
incorporated  by  reference in Part III of this Form 10-K or any  amendments  to
this Form 10-K. _X_

The  aggregate  market value of the voting stock held by  non-affiliates  of the
registrant,  based  on a per  share  price  of  $40 as of  March  1,  1999,  was
$62,510,720  (common  stock,  no par value).  As of December 31, 1998 there were
outstanding 1,562,765 shares of the Company's Common Stock (no par value).

Documents Incorporated by Reference:
Portions of the Company's  Proxy Statement and appendix dated March 19, 1999 for
the Annual Meeting of Shareholders to be held April 21, 1999 are incorporated by
reference into Parts I, II and III of this report.
<PAGE>
                                    PART III

Item 10 - Directors and Executive Officers of the Registrant


               INFORMATION ABOUT DIRECTORS AND DIRECTOR NOMINEES

     The  following   information   relating  to  the  principal  occupation  or
employment has been furnished to the Corporation by the respective directors and
director  nominees.  Each of those persons have been engaged in the  occupations
stated below for more than five years.

<TABLE>
                                                                                                Director of
            Name                            Principal Occupation                    Age      Corporation Since*
            ----                            --------------------                    ---      ------------------
<S>                           <C>                                                   <C>        <C>
 Nominees for Election
 as Directors for Terms
    Expiring in 2002

R. Michael Yost             Director, Group Operations and Administration,          50              1997
                            AAA, Michigan/Wisconsin.

Dona Scott Laskey           Attorney with Sullivan, Ward, Bone, Tyler &             55              1973
                            Asher, P.C.

Charles N. Holkins          C. N. Holkins & Son, a hardware and lumber              59              1984
                            sales company

James R. McAuliffe          President of Citizens Insurance Co. since 1994          54              1998


  Directors Whose
Terms Expire in 2001

W. Rickard Scofield         President of May & Scofield, Inc., a                    46              1992
                            manufacturer of automotive subassemblies,
                            since 1993, and Vice President prior to that time

Randolph E. Rudisill        President of Thermofil, Inc., a leading                 54              1997
                            manufacturer of reinforced thermoplastics

Barbara D. Martin           President and CEO of Corporation and Bank               52              1984

 Directors Whose
Terms Expire in 2000

Donald K. Burkel            Co-owner of Oasis Truck Plaza, a full facility          63              1991
                            truck plaza, and Fowlerville Farms, Inc., a
                            restaurant, gasoline and gift shop operation

Harry E. Griffith           Realtor, President of Crandall Realty, Inc., a real     68              1973
                            estate brokerage and appraisal corporation

Gary R. Boss                Board Chairman of Boss Engineering Co., an              56              1995
                            engineering and survey corporation

</TABLE>
     *    The Corporation was formed and organized in 1988; dates preceding 1988
          reference  status as a  director  of the  Bank.  All  persons  who are
          directors of the Corporation are also directors of the Bank.
<PAGE>

     The Audit  Committee,  comprised of Dona Laskey,  Gary Boss, and W. Rickard
Scofield,   met  on  two  occasions   during  1998.   Its  primary   duties  and
responsibilities  include  annually  recommending  to the Board of  Directors an
independent  public accounting firm to be appointed  auditors of the Corporation
and the Bank,  reviewing  the scope and fees for the  audit,  reviewing  all the
reports  received from the  independent  public  accountants,  and  coordinating
matters with the internal auditing department.

     The  Nominating  Committee  of the  Board,  comprised  of  Messrs.  Burkel,
Rudisill,  Yost,  Scofield,  and Ms. Martin, met on three occasions during 1998.
This Committee is responsible for reviewing and making recommendations as to the
composition of the Board of Directors, to recommend nominees for election to the
Board and  recommends  individuals  to fill  vacancies  which may occur  between
annual meetings.  The Committee is authorized to consider Board  nominations for
qualified  persons  recommended by shareholders  that are in compliance with the
procedures set forth in the  Corporation's  Restated  Articles of Incorporation.
Any nomination must be submitted in writing, on or before the 60th day preceding
the anniversary date of the previous annual meeting. The nomination must include
a description of the proposed nominee, his or her consent to serve as a director
and other biographical data on the nominee.

     The Board also has a Compensation Committee comprised of Messrs.  Rudisill,
Scofield,  and Holkins.  This Committee met three times in 1998.  This Committee
approves  the  compensation  and benefits of senior  management  of the Bank and
Corporation.  The Board also has other committees, such as the Finance Committee
and the Executive Committee.

     The Board of  Directors  of the  Corporation  held a total of six  meetings
during  1998.  No director  attended  less than 75% of the  aggregate  number of
meetings of the Board of Directors and the committees on which he or she served.
There are no family  relationships  between or among the directors,  nominees or
executive officers of the Corporation.

                            REMUNERATION OF DIRECTORS

     Directors are paid $250 for each Board meeting held and $250 for each Board
committee meeting attended;  however,  no fees are paid to employees of the Bank
who serve on the Board.  Members of the Board of  Directors of the Bank are paid
at the rate of $700 per Board  meeting held,  and $250 for each Board  committee
meeting attended.


             SECTION 16(A) BENEFICIAL OWNERSHIP REPORTING COMPLIANCE

     Pursuant  to  Section  16 of  the  Securities  Exchange  Act of  1934,  the
Corporation's  directors and executive  officers,  as well as any person holding
more than 10% of its common stock, are required to report initial  statements of
ownership of the  Corporation's  securities and changes in such ownership to the
Securities and Exchange  Commission.  To the  Corporation's  knowledge,  all the
required reports were filed by such persons during 1998.


Executive Officers
     The information called for by this item is contained in Part I of this Form
10-K Report.



Item 11 - Executive Compensation

                           SUMMARY COMPENSATION TABLE

     The following table sets forth the compensation paid by the Bank during the
last three years to its Chief Executive Officer and its other executive officers
whose annual compensation exceeded $100,000 (the "Named Executives").  There are
no employees of the Corporation; all personnel are employed by the Bank.

<TABLE>
                                                                                               Long-Term
                                                                                              Compensation
                                                      Annual Compensation(1)                 Restricted Stock     All Other
 Name and Principal Position          Year        Salary         Bonus          Other(3)        Awards(4)        Compensation(5)
 ---------------------------          ----        ------         -----          -------         --------         ------------
<S>                                   <C>         <C>            <C>            <C>            <C>                 <C>
Barbara D. Martin, President          1998        $157,500      $35,438(2)      $8,734          $29,995             $13,181
and Chief Executive Officer           1997         150,000       45,000              0                0              12,556
                                      1996         120,000       17,172              0                0              11,056

Barbara Nelson, Senior Vice           1998         $87,917      $19,781(2)        $641          $ 9,975             $ 9,702
President and Chief Financial         1997          83,000       24,900              0                0               8,606
Officer                               1996          80,000       11,448              0                0               8,306

James Wibby,  Senior Vice             1998         $90,000      $20,350(2)          $0          $ 7,700             $ 5,556
President, Loans                      1997          53,231       15,969              0                0                 179
                                      1996               0            0              0                0                   0

John D. Logan, Senior Vice            1998         $86,000      $19,350(2)          $0          $ 8,785             $ 6,119
President, Trust                      1997          63,537       18,866              0                0                 204
                                      1996               0            0              0                0                   0

</TABLE>

     (1)  Includes amounts  deferred  pursuant to Section 401(k) of the Internal
          Revenue Code.

     (2)  For bonus  payments in 1998 the amounts  reflect only 75% of the bonus
          that  may  be  earned  for  that  year,  based  on  the  Corporation's
          performance  through  September  30 of that year.  The  balance of any
          bonus,  which is not  calculable  at this time,  will be  reported  in
          subsequent proxy statements and/or reports.

     (3)  Represents amounts contributed by the Bank as retirement benefits, for
          the Named  Executives,  in excess of the amounts  permitted  under the
          Bank's  401(k) Plan.

     (4)  Amounts  represent the aggregate value of restricted  shares of Common
          Stock (based upon the value of the stock on the date of grant)  issued
          to  the  Named   Executives   for  the   designated   year  under  the
          Corporation's  Long-Term  Incentive Plan. The 1998 award of restricted
          shares was based on a per share  value of $35.00,  as of July 1, 1998.
          The  shares are  subject  to  restrictions  on  transfer  and risks of
          forfeiture  which lapse over a period of 5 years at the annual rate of
          20% of the granted  shares,  subject to earlier  termination  of those
          restrictions  and risks upon death,  disability or a change in control
          of the Corporation. The named executives have no right to the unvested
          percentage  of the  restricted  shares,  except  voting rights and the
          right to all dividends and all other  distributions paid to holders of
          the common stock.  As of December 31, 1998, the Named  Executives held
          shares of  restricted  stock in the following  aggregated  amounts and
          values (based on the per share value of the Corporation's common stock
          on December 31, 1998, which equaled  $35.00):  Ms. Martin - 857 shares
          ($29,995);  Ms. Nelson - 285 shares  ($9,975);  Mr. Wibby - 220 shares
          ($7,700);  and  Mr.  Logan - 251  shares  ($8,785).

     (5)  The amounts  disclosed in this column include (a) amounts  contributed
          by the Bank to the Bank's 401(k) Plan, pursuant to which substantially
          all  salaried  employees of the Bank  participate;  and (b) the dollar
          value of premiums  paid by the Bank for term life  insurance on behalf
          of the named executives as follows:

<TABLE>
                                                   1998              1997              1996
                                                   ----              ----              ----
<S>                              <C>             <C>             <C>                 <C>
Barbara D. Martin                (a)             $12,875           $12,250           $10,750
                                 (b)                 306               306               306
Barbara Nelson                   (a)             $ 9,396           $ 8,300             8,000
                                 (b)                 306               306               306
James Wibby                      (a)             $ 5,250           $     0           $     0
                                 (b)                 306               179                 0
John D. Logan                    (a)             $ 5,813           $     0           $     0
                                 (b)                 306               204                 0

</TABLE>



Item 12 - Security  Ownership of Certain Beneficial Owners and Management


                            OWNERSHIP OF COMMON STOCK

     The following table sets forth certain  information as of March 1, 1999, as
to the Common Stock of the Corporation owned beneficially by each director, each
Named Executive in the Summary  Compensation  Table above,  and by all directors
and executive  officers of the Corporation as a group. No shareholders are known
to the  Corporation to have been the beneficial  owner of more than five percent
(5%) of the Corporation's outstanding common stock as of March 1, 1999.

<TABLE>

                                                        Number of Shares(1)                 Percent of Class
                                                        -------------------                 ----------------
<S>                                                    <C>                                <C>
Gary R. Boss                                                   1,500                              *
Donald K. Burkel                                               4,500                              *
Harry E. Griffith                                              7,164                              *
Charles N. Holkins                                            16,800(2)                          1.08%
Dona Scott Laskey                                             24,000                             1.54%
John D. Logan                                                  3,807                              *
Barbara D. Martin                                             14,989(3)                           *
James R. McAuliffe                                               109                              *
Barbara J. Nelson                                                586                              *
Randolph E. Rudisill                                             282                              *
W. Rickard Scofield                                            1,200                              *
James Wibby                                                      820                              *
R. Michael Yost                                                1,218                              *
All Executive Officers and Directors as a
Group (14 persons)                                            76,976                             4.93%

</TABLE>
*Represents less than one percent

     (1)  This information is based upon the  Corporation's  records as of March
          1, 1999, and  information  supplied by the persons  listed above.  The
          number of shares stated in this column  include shares owned of record
          by  the  shareholder  and  shares  which,   under  federal  securities
          regulations,  are deemed to be beneficially  owned by the shareholder.
          Unless otherwise  indicated below, the persons named in the table have
          sole voting and sole  investment  power or share voting and investment
          power  with  their  respective  spouses,  with  respect  to all shares
          beneficially  owned.

     (2)  Represents  16,800 shares held by Mr. Holkins or his wife as trustees.

     (3)  Includes  8,579  shares  held for the  benefit of Ms.  Martin's  minor
          children.


Item 13 - Certain Relationships and Related Transactions

                      CERTAIN TRANSACTIONS WITH MANAGEMENT

     Certain directors and officers of the Corporation have had and are expected
to have in the future,  transactions  with the Bank,  or have been  directors or
officers of  corporations,  or members of  partnerships,  which have had and are
expected  to  have  in  the  future,   transactions  with  the  Bank.  All  such
transactions  with officers and directors,  either directly or indirectly,  have
been made in the  ordinary  course of  business  and on  substantially  the same
terms, including interest rates and collateral,  as those prevailing at the same
time for comparable transactions with other customers, and these transactions do
not  involve  more than the  normal  risk of  collectibility  or  present  other
unfavorable features. All such future transactions,  including transactions with
principal  shareholders and other  Corporation  affiliates,  will be made in the
ordinary course of business,  on terms no less favorable to the Corporation than
with other  customers,  and for loans in excess of $200,000,  will be subject to
approval by a majority of the Corporation's  independent,  outside disinterested
directors.
<PAGE>
                                     PART IV

Item 14 - Exhibits, Financial Statement Schedules and Report on Form 8-K

(a)  1.   Financial Statements
          All financial  statements of the Registrant are incorporated herein by
          reference  as set forth in Appendix I to the  Registrant's  Definitive
          Proxy Statement,  dated March 19, 1999, relating to the April 21, 1999
          Annual Meeting of Shareholders, a copy of which is filed as Exhibit 13
          to this Report on Form 10-K.

     2.   Financial Statement Schedules
          Not applicable.

     3.   Exhibits  (Numbered in accordance  with Item 601 of Regulation  S-K)
          The  Exhibit  Index is located  on the final page of this  report on
          Form 10-K.

(b)       Reports on Form 8-K
          No reports on Form 8-K were filed during the fourth quarter of the
          year ended December 31, 1998.


<PAGE>
SIGNATURES

Pursuant to the  requirements of Section 13 or 15(d) of the Securities  Exchange
Act of 1934,  the  registrant  has duly  caused  this report to be signed on its
behalf by the undersigned, thereunto duly authorized, dated March 11, 1999.

FNBH BANCORP, INC.



/s/ Barbara D. Martin             Barbara D. Martin, President & Chief Executive
                                  Officer (Principal Executive Officer)

/s/ Barbara J. Nelson             Barbara J. Nelson, Secretary/Treasurer
                                  (Principal Accounting Officer)
<PAGE>
Pursuant to the requirements of the Securities Exchange Act of 1934, this report
has been signed by the following  persons on behalf of the Registrant and in the
capacities and on the dates  indicated.  Each director of the Registrant,  who's
signature  appears  below,  hereby  appoints  Barbara D.  Martin and  Barbara J.
Nelson, and each of them severally,  as his or her attorney-in-fact,  to sign in
his or her name and on his or her behalf,  as a director of the Registrant,  and
to file with the Commission any and all Amendments to this Report on Form 10-K.


W. Rickard Scofield, Chairman of the Board              /s/ W. Rickard Scofield


Charles N. Holkins, Vice Chairman of the Board          /s/ Charles N. Holkins


Gary R. Boss, Director                                  /s/ Gary R. Boss


Donald K. Burkel, Director                              /s/ Donald K. Burkel


Harry E. Griffith, Director                             /s/ Harry E. Griffith


Dona Scott Laskey, Director                             /s/ Dona Scott Lakskey


Barbara D. Martin, Director                             /s/ Barbara D. Martin


James R. McAuliffe, Director                            /s/ James R. McAuliffe


Randolph E. Rudisill, Director                          /s/ Randolph E. Rudisill


R. Michael Yost, Director                               /s/ R. Michael Yost
<PAGE>
                                  EXHIBIT INDEX

The following  exhibits are filed herewith,  indexed according to the applicable
assigned number:

Exhibit
Number                                                                      Page
------                                                                      ----
*10.1  Form Restrictive Stock Agreement......................................

(13)   Pages 10-52 of Appendix I to the Company's Proxy Statement, dated
       March 19, 1999, for the Annual Meeting of Shareholders to be held
       April  21,  1999   representing  that  portion  of  the  Appendix
       incorporated by reference in Item 8 of this report. This Appendix
       was filed  with the  Commission  as part of the  Company's  Proxy
       Statement and was delivered to Company shareholders in compliance
       with Rule  14(a)-3 of the  Securities  Exchange  Act of 1934,  as
       amended................................................................38

(21)   Subsidiaries of the Registrant.........................................40

     The  following  exhibits,  indexed  according  to the  applicable  assigned
number,  were  previously  filed  by the  Registrant  and  are  incorporated  by
reference in this Form 10-K Annual Report.

Exhibit
Number                                         Original Filing Form and Date
------                                         -----------------------------
3.1   Restated Articles of Incorporation       Exhibit 3.1 of Form 10, effective
      of the Registrant                        June 30, 1995 ("Form 10")

3.2   Amendment to the Company's Articles      Appendix I of Proxy  Statement
      of Incorporation to Increase             dated March 17, 1998
      Authorized Shares

3.3   Bylaws of the Registrant                 Exhibit 3.2 of Form 10

4     Form of Registrant's Stock Certificate   Exhibit 4 of Form 10

      Material Contracts:


10.2   Howell Branch Lease Agreement            Exhibit 10.2 to Form 10

*10.3  Company's Long Term Incentive Plan       Appendix II of Proxy Statement
                                                dated March 17, 1998

*Represents a compensatory arrangement