# SECURITIES AND
EXCHANGE COMMISSIONWashington, D.C. 20549 Form 10-Q

_________________

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

For the quarterly period
ended March 31, 2004 OR [ ] TRANSITION REPORT
PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934

For the transition
period from ________ to _______

Commission file number
0-25752

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

|                                | 
|------------------------------- | 
|MICHIGAN                        | 
|(State or other jurisdiction of | 
|incorporation or                | 
|organization)                   | 

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

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

_________________

Indicate by check mark whether the
registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the
Exchange Act 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 whether the  registrant  is an  accelerated  filer (as defined in Rule 12b-2 of the Exchange
Act).  Yes  X   No___

The number of shares outstanding of
each of the issuers classes of common stock, as of the latest practicable date:
3,169,807 shares of the Companys Common Stock (no par value) were outstanding as of
April 21, 2004.

1

---



INDEX

|                                                                              | 
|----------------------------------------------------------------------------- | 
|Part I   Financial Information (unaudited):                                   | 
|                                                                             
|Item 1                                                                        | 
|Interim Financial Statements:                                                 | 
|Consolidated Balance Sheets as of March 31, 2004 and December 31, 2003        | 
|Consolidated Statements of Income, three months ended March 31, 2004 and 2003 | 
|Consolidated Statements of Stockholders Equity and Comprehensive             | 
|Income for three months ended March 31, 2004 and 2003                         | 
|Consolidated Statements of Cash Flows for three months ended                  | 
|March 31, 2004 and 2003                                                       | 
|                                                                             
|Notes to Interim Consolidated Financial Statements                            | 
|Item 2                                                                        | 
|Managements Discussion and Analysis of                                       | 
|Financial Condition and Results of Operations                                 | 
|                                                                             
|Item 3                                                                        | 
|Quantitative and Qualitative Disclosures about Market Risk                    | 
|                                                                             
|Item 4                                                                        | 
|Controls and Procedures                                                       | 
|                                                                             
|Part II.   Other Information                                                  | 
|                                                                             
|Item 2                                                                        | 
|Changes in Securities and Use of Proceeds                                     | 
|                                                                             
|Item 6                                                                        | 
|Exhibits and Reports on From 8-K                                              | 
|                                                                             
|Signatures                                                                    | 

2

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# PART I  FINANCIAL
INFORMATION

Item 1.Financial StatementsUnaudited interim consolidated
financial statements follow.

3

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# FNBH BANCORP, INC. AND
SUBSIDIARIES

|Consolidated Balance Sheets (unaudited)                                | March 312004 | December 312003
|---------------------------------------------------------------------- | ------------ | ---------------
|                                                                       |              |                
|Assets                                                                 |              |                
|Cash and due from banks                                                |              |                
|Short term investments                                                 |              |                
|                                                                       |              |                
|Total cash and cash equivalents                                        |              |                
|                                                                       |              |                
|Certificates of deposit                                                |              |                
|Investment securities held to maturity, net (fair value of $16,022,054 |              |                
|at March 31, 2003 and $16,006,625 at Dec. 31, 2003)                    |              |                
|Investment securities available for sale, at fair value                |              |                
|Mortgage-backed securitities available for sale, at fair value         |              |                
|FHLBI and FRB stock, at cost                                           |              |                
|                                                                       |              |                
|Total investment securities                                            |              |                
|                                                                       |              |                
|Loans:                                                                 |              |                
|Commercial                                                             |              |                
|Consumer                                                               |              |                
|Real estate mortgage                                                   |              |                
|                                                                       |              |                
|Total loans                                                            |              |                
|Less unearned income                                                   |              |                
|Less allowance for loan losses                                         |              |                
|                                                                       |              |                
|Net loans                                                              |              |                
|                                                                       |              |                
|Premises and equipment, net                                            |              |                
|Land and facilities held for sale, net                                 |              |                
|Other real estate owned, held for sale                                 |              |                
|Accrued interest and other assets                                      |              |                
|                                                                       |              |                
|Total assets                                                           |              |                
|                                                                       |              |                
|                                                                       |              |                
|Liabilities and Stockholders' Equity                                   |              |                
|Liabilities                                                            |              |                
|Deposits:                                                              |              |                
|Demand (non-interest bearing)                                          |              |                
|NOW                                                                    |              |                
|Savings and money market                                               |              |                
|Time                                                                   |              |                
|Brokered certificates of deposit                                       |              |                
|                                                                       |              |                
|Total deposits                                                         |              |                
|Other borrowings                                                       |              |                
|Accrued interest, taxes, and other liabilities                         |              |                
|                                                                       |              |                
|Total liabilities                                                      |              |                
|Stockholders' Equity                                                   |              |                
|Common stock, no par value.  Authorized 4,200,000 shares; 3,169,632    |              |                
|shares issued and outstanding at March 31, 2003 and 3,168,931 shares   |              |                
|issued and outstanding at Dec. 31, 2003                                |              |                
|Retained earnings                                                      |              |                
|Unearned long term incentive plan                                      |              |                
|Accumulated other comprehensive income, net                            |              |                
|                                                                       |              |                
|Total stockholders' equity                                             |              |                
|                                                                       |              |                
|Total liabilities and stockholders' equity                             |              |                
|                                                                       |              |                

See notes to interim
consolidated financial statements.

4

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# FNBH BANCORP, INC. AND
SUBSIDIARIES

|Consolidated Statements of Income  (Unaudited)              | Three months ended March 31
|----------------------------------------------------------- | ---------------------------
|                                                           
|                                                            |                            
|Interest and dividend income:                               |                            
|Interest and fees on loans                                  |                            
|Interest and dividends on investment securities:            |                            
|U.S. Treasury and agency securities                         |                            
|Obligations of state and political subdivisions             |                            
|Corporate bonds                                             |                            
|Other securities                                            |                            
|Interest on short term investments                          |                            
|Interest on certificates of deposit and other bank deposits |                            
|                                                            |                            
|Total interest and dividend income                          |                            
|                                                            |                            
|                                                            |                            
|Interest expense:                                           |                            
|Interest on deposits                                        |                            
|Interest on other borrowings                                |                            
|                                                            |                            
|Total interest expense                                      |                            
|                                                            |                            
|                                                            |                            
|Net interest income                                         |                            
|                                                            |                            
|Provision for loan losses                                   |                            
|                                                            |                            
|Net interest income after provision for loan losses         |                            
|                                                            |                            
|                                                            |                            
|Noninterest income:                                         |                            
|Service charges and other fee income                        |                            
|Trust income                                                |                            
|Gain on sale of loans                                       |                            
|Other                                                       |                            
|                                                            |                            
|Total noninterest income                                    |                            
|                                                            |                            
|                                                            |                            
|Noninterest expense:                                        |                            
|Salaries and employee benefits                              |                            
|Net occupancy expense                                       |                            
|Equipment expense                                           |                            
|Professional and service fees                               |                            
|Printing and supplies                                       |                            
|Advertising                                                 |                            
|Other                                                       |                            
|                                                            |                            
|Total noninterest expense                                   |                            
|                                                            |                            
|                                                            |                            
|Income before federal income taxes                          |                            
|                                                            |                            
|Federal income taxes                                        |                            
|                                                            |                            
|Net income                                                  |                            
|                                                            |                            
|                                                            |                            
|Per share statistics*                                       |                            
|Basic EPS                                                   |                            
|Diluted EPS                                                 |                            
|Dividends                                                   |                            

*Based on 3,169,210
average shares outstanding during the period ended March 31, 2004 and 3,158,005 average
shares outstanding during the period ended March 31, 2003. 

See notes to interim
consolidated financial statements.

5

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FNBH BANCORP, INC. AND
SUBSIDIARIES           Consolidated Statements of Stockholders' Equity and Comprehensive
Income     For the Three Months Ended March 31, 2004 and 2003 (Unaudited)

|                                                   | Common stock | Retained earnings | Unearned long term incentive plan | Accumulated other comprehensive income | Total    
|-------------------------------------------------- | ------------ | ----------------- | --------------------------------- | -------------------------------------- | ---------
|                                                   |              |                   |                                   |                                        |          
|Balances at December 31, 2002                      |              |                   | $                                 | 5,465,089                              |          
|Amortization of long term incentive plan           |              |                   |                                   |                                        |          
|Issued 917 shares for employee stock purchase plan |              |                   |                                   | 18,459                                 |          
|Issued 199 shares for current directors' fees      |              |                   |                                   | 4,750                                  |          
|Comprehensive income:                              |              |                  
|Net income                                         |              |                   |                                   |                                        | 1,317,649
|Change in unrealized gain on debt securities       |              |                  
|available for sale, net of tax effect              |              |                   |                                   |                                        | (75,677  
|                                                   |              |                  
|Total comprehensive income                         |              |                   |                                   |                                        | 1,241,972
|Cash dividends ($.17 per share)                    |              |                   |                                   |                                        | (536,860 
|                                                   |              |                   |                                   |                                        |          
|Balances at March 31, 2003                         |              |                   | $                                 | 5,488,298                              |          
|                                                   |              |                   |                                   |                                        |          

|                                                   | Common stock | Retained earnings | Unearned long term incentive plan | Accumulated other comprehensive income | Total 
|-------------------------------------------------- | ------------ | ----------------- | --------------------------------- | -------------------------------------- | ------
|                                                   |              |                   |                                   |                                        |       
|Balances at December 31, 2003                      |              |                   | $                                 | 5,725,898                              |       
|Amortization of long term incentive plan           |              |                   |                                   |                                        | 29,377
|Issued 428 shares for employee stock purchase plan |              |                   |                                   | 9,870                                  |       
|Issued 136 shares for current directors' fees      |              |                   |                                   | 3,544                                  |       
|Issued 283 shares for deferred directors' fees     |              |                   |                                   | 5,953                                  |       
|Retired 146 shares from long term incentive plan   |              |                   |                                   | (3,059                                 | )     
|Comprehensive income:                              |              |                  
|Net income                                         |              |                   |                                   |                                        |       
|Change in unrealized gain on debt securities       |              |                  
|available for sale, net of tax effect              |              |                   |                                   |                                        |       
|                                                   |              |                   |                                   |                                        |       
|Total comprehensive income                         |              |                   |                                   |                                        |       
|Cash dividends ($.17 per share)                    |              |                   |                                   |                                        |       
|                                                   |              |                   |                                   |                                        |       
|Balances at March 31, 2004                         |              |                   | $                                 | 5,742,206                              |       
|                                                   |              |                   |                                   |                                        |       

See notes to interim
consolidated financial statements.

6

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# FNBH BANCORP, INC. AND
SUBSIDIARIES

|Consolidated Statements of Cash Flows (Unaudited)                                 | Three months ended March 31
|--------------------------------------------------------------------------------- | ---------------------------
|                                                                                 
|                                                                                  |                            
|Cash flows from operating activities:                                             |                            
|Net income                                                                        |                            
|Adjustments to reconcile net income to net cash provided by operating activities: |                            
|Provision for loan losses                                                         |                            
|Depreciation and amortization                                                     |                            
|Deferred tax benefit                                                              |                            
|Net amortization on investment securities                                         |                            
|Earned portion of long term incentive plan                                        |                            
|Gain on sale of loans                                                             |                            
|Proceeds from sale of loans                                                       |                            
|Origination of loans held for sale                                                |                            
|Proceeds from sale of other real estate owned, held for sale                      |                            
|Proceeds from sale of land and facilities available for sale                      |                            
|Increase in accrued interest income and other assets                              |                            
|Increase (decrease) in accrued interest, taxes, and other liabilities             |                            
|                                                                                  |                            
|Net cash provided by operating activities                                         |                            
|                                                                                  |                            
|                                                                                  |                            
|Cash flows from investing activities:                                             |                            
|Purchases of available for sale securities                                        |                            
|Purchases/Stock dividend FHLBI stock                                              |                            
|Proceeds from sales of available for sale securities                              |                            
|Proceeds from maturities and calls of available for sale securities               |                            
|Proceeds from mortgage-backed securities paydowns-available for sale              |                            
|Proceeds from maturities and calls of held to maturity securities                 |                            
|Proceeds from mortgage-backed securities paydowns-held to maturity                |                            
|Purchases of brokered certificates of deposit                                     |                            
|Maturity of brokered certificates of deposit                                      |                            
|Net (increase) decrease in loans                                                  |                            
|Capital expenditures                                                              |                            
|                                                                                  |                            
|Net cash provided by (used in) investing actitities                               |                            
|                                                                                  |                            
|                                                                                  |                            
|Cash flows from financing activities:                                             |                            
|Net decrease in deposits                                                          |                            
|Decrease in brokered certificates of deposit                                      |                            
|Payments on FHLB note                                                             |                            
|Dividends paid                                                                    |                            
|Shares issued for employee stock purchase and directors' compensation             |                            
|                                                                                  |                            
|Net cash used in financing activities                                             |                            
|                                                                                  |                            
|Net increase (decrease) in cash and cash equivalents                              |                            
|                                                                                  |                            
|Cash and cash equivalents at beginning of year                                    |                            
|                                                                                  |                            
|Cash and cash equivalents at end of period                                        |                            
|                                                                                  |                            
|                                                                                  |                            
|Supplemental disclosures:                                                         |                            
|Interest paid                                                                     |                            
|Federal income taxes paid                                                         |                            
|Loans transferred to other real estate                                            |                            
|Loans transferred to land and facilities, held for sale                           |                            
|Loans charged off                                                                 |                            

See notes to interim
consolidated financial statements.

7

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Notes to Interim
Consolidated Financial Statements (unaudited)

The accompanying unaudited consolidated
financial statements have been prepared in accordance with accounting principles generally
accepted in the United States of America (GAAP) for interim financial information and with
the instructions to Form 10-Q and Rule 10-01 of Regulation S-X. Accordingly, they do not
include all of the information and footnotes required by GAAP for complete financial
statements.

1.    
          In the opinion of management of the Registrant, the unaudited consolidated
          financial statements filed with this Form 10-Q contain all adjustments
          (consisting of only normal recurring accruals) necessary to present fairly the
          consolidated financial position of the Registrant as of March 31, 2004, and
          consolidated results of operations and consolidated cash flows for the three
          months ended March 31, 2004 and 2003.

2.    
          The results of operations for the three months ended March 31, 2004 are not
          necessarily indicative of the results to be expected for the full year.

3.    
          The accompanying unaudited consolidated financial statements should be read in
          conjunction with the Notes to Consolidated Financial Statements in the 2003
          Annual Report contained in the Registrants report on Form 10-K filing.

4.    
          The provision for income taxes represents federal income tax expense calculated
          using annualized rates on taxable income generated during the respective
          periods.

5.    
          Managements assessment of the allowance for loan losses is based on an
          evaluation of the loan portfolio, recent loss experience, current economic
          conditions, and other pertinent factors. Loans on non-accrual status and those
          past due more than 90 days amounted to $4,193,000 at March 31, 2004, $6,409,000
          at March 31, 2003, and $4,293,000 at December 31, 2003. (See Managements
          Discussion and Analysis of Financial Condition and Results of Operations).

6.    
          Basic and diluted earnings per share (EPS) are computed by dividing net income
          by the respective weighted average common shares outstanding.

|                             | First Quarter
|---------------------------- | -------------
|
|                             |              
|Net income                   |              
|Shares outstanding (basic)   |              
|Dilutive shares              |              
|                             |              
|Shares outstanding (diluted) |              
|Earnings per share:          |              
|Basic EPS                    |              
|Diluted EPS                  |              

8

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Item 2.

Managements
Discussion and Analysis of Financial
Condition and Results of OperationsInterim Financial
Statements

This report includes certain
forward-looking statements, within the meaning of the Private Securities Litigation Reform
Act of 1995, that involve inherent risks and uncertainties. A number of important factors
could cause actual results to differ materially from those in the forward-looking
statements. Those factors include the economic environment, competition, products and
pricing in business areas in which FNBH Bancorp, Inc. (the Company) operates, prevailing
interest rates, changes in government regulations and policies affecting financial service
companies, credit quality and credit risk management, acquisitions and integration of
acquired businesses.

The Company, a Michigan business
corporation, is a one bank holding company, which owns all of the outstanding capital
stock of First National Bank in Howell (the Bank) and all of the outstanding stock of HB
Realty Co., a subsidiary which owns real estate. The following is a discussion of the
Companys results of operations for the three months ended March 31, 2004 and 2003,
and also provides information relating to the Companys financial condition, focusing
on its liquidity and capital resources.

|Earnings(in thousands except per share data) | First Quarter
|-------------------------------------------- | -------------
|                                            
|                                             |              
|Net Income                                   |              
|Basic and diluted net income per share       |              

Net income for the three months ended
March 31, 2004 increased approximately $138,000 (10.5%) compared to the same period last
year. The increase in net income was primarily due to higher non-interest income as a
result of the recognition of a nonrecurring deferred gain partially offset by an increase
in the loan loss provision and higher non-interest expenses, primarily salaries and
occupancy expense.

|Net Interest Income(in thousands) | First Quarter
|--------------------------------- | -------------
|                                 
|                                  |              
|Interest Income                   |              
|Interest Expense                  |              
|Net Interest Income               |              

The following table illustrates some
of the significant factors contributing to the increase in net interest income for the
period and for the year to date.

9

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TABLE 1
         INTEREST YIELDS AND COSTS (in thousands)          March 31, 2004 and 2003

|                                   | ----------First Quarter Averages----------
|---------------------------------- | ------------------------------------------
|                                  
|                                   |                                           
|                                   |                                           
|Assets:                            |                                           
|Short term investments             |                                           
|Securities: Taxable                |                                           
|Tax-exempt (1)                     |                                           
|Loans(2)(3)                        |                                           
|                                   |                                           
|Total earning assets/total         |                                           
|interest income                    |                                           
|                                   |                                           
|Cash and due from banks            |                                           
|All other assets                   |                                           
|Allowance for loan losses          |                                           
|                                   |                                           
|Total Assets                       |                                           
|                                   |                                           
|Liabilities and                    |                                           
|Stockholders' Equity               |                                           
|Interest bearing deposits:         |                                           
|Savings and NOW accounts           |                                           
|Time                               |                                           
|Short term borrowings              |                                           
|FHLB advances                      |                                           
|                                   |                                           
|Total interest bearing             |                                           
|liabilities/total interest expense |                                           
|                                   |                                           
|Non-interest bearing deposits      |                                           
|All other liabilities              |                                           
|Stockholders' Equity               |                                           
|                                   |                                           
|Total Liabilities and              |                                           
|Shareholders' Equity               |                                           
|                                   |                                           
|Interest spread                    |                                           
|                                   |                                           
|Net interest income-FTE            |                                           
|                                   |                                           
|Net interest margin                |                                           
|                                   |                                           

|(1) | Average
yields in the above table have been adjusted to a tax-equivalent basis using a 34% tax
rate and exclude the effect of any market value adjustments recorded under Statement of
Financial Accounting Standards No. 115.
|--- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|(2) | For
purposes of the computation above, non-accruing loans are included in the average daily
loan balances.
|--- | ----------------------------------------------------------------------------------------------------------

|(3) | Interest
on loans includes origination fees totaling $167,000 in 2004 and $158,000 in 2003.
|--- | -------------------------------------------------------------------------------------------

10

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Interest Earning
Assets/Interest IncomeOn a tax equivalent basis, interest
income decreased approximately $116,000 (1.8%) in the first quarter of 2004 compared to
that of 2003. The decrease was the result of a 45 basis point reduction in the yield on
earning assets. This negative trend was partially offset by a $21,733,000 (5.5%) growth in
average balances of earning assets.

Loan interest decreased approximately
$183,000 due to a 51 basis point decrease in interest rates although average balances
increased $14,503,000 (4.4%). The decline in loan rates was the result of overall lower
interest rates this year compared to last year and a higher mix of variable rate loans. In
particular, the prime interest rate was 4.0% throughout the first quarter of this year
compared to 4.25% in the first quarter of 2003. In the first quarter of 2004, tax
equivalent income on investment securities increased approximately $97,000. The increase
can be attributed to a $10,946,000 increase in average balances offset by a decrease in
yield of 33 basis points. Average balances of investment securities have increased in the
first quarter 2004 compared to the first quarter of 2003 due to additional funds being
available for investment as a result of soft loan demand in the first quarter 2004. In the
first quarter of 2004, average balances of short term investments decreased $3,716,000
from the comparable period in 2003, and the yield is 39 basis points lower.

In contrast to the discussion above,
commercial loan balances at March 31, 2004 have decreased $7 million from December 31,
2003. The decrease is generally due to soft loan demand in the first quarter of 2004 as
well as increased pricing competition. If loan demand does not improve during the second
quarter of 2004, there will likely be an unfavorable impact on net interest margin.

Interest Bearing
Liabilities/Interest ExpenseIn the first quarter of 2004,
interest expense decreased $291,000 due to a decrease in the interest rate paid of 47
basis points although average balances increased $15,265,000 (4.8%). Savings and NOW
interest expense decreased approximately $221,000. The decrease was due to the interest
rate declining 53 basis points as the average balance increased $5,310,000 (3.0%).
Interest on time deposits decreased $66,000 in the first quarter of 2004 over the prior
year. The decrease was due to a decrease of 46 basis points in rates paid offset by an
increase in the average balance of $10,198,000. In the first quarter of 2004, the Company
had average short term borrowings of $9,000 compared to $8,000 in the first quarter of
2003. The interest rate averaged 1.20% in 2004 compared to 1.44% for the same quarter in
2003 on these borrowings.

Included in the average balance for
short term borrowings were fed funds purchased. Included in FHLB advances are two loans,
entered into in 2000, from the Federal Home Loan Bank of Indianapolis. One borrowing,
originally for $3,000,000, was initiated to match the maturity of a fixed rate loan made
to a local township. The other borrowing was intended to help with the Banks rate
sensitivity position. Future loan growth may be funded with FHLBI borrowings.

Liquidity Liquidity is monitored by the
Banks Asset/Liability Management Committee (ALCO) which meets at least monthly. The
Board of Directors has approved a liquidity policy which requires the Bank, while it is
well capitalized as defined by the Federal Financial Institutions Examination Council
(FFIEC), to maintain a current ratio of no less than 1:1 (core basic surplus liquidity
equal to 0), representing that the Banks contingency for unexpected funding outflows
is being primarily met by short-term investments and unencumbered treasury and agency
securities. Additional requirements of the policy are that when FHLBI available credit is
added to core basic surplus liquidity, the Bank must have liquidity totaling 5% of assets
and when brokered CDs and Fed Funds lines are added, the Bank must have liquidity totaling
8% of assets. Should the Banks capital ratios fall below the well
capitalized level, additional liquidity totaling 5% of assets will be required. As
of March 31, 2004, the Company had a $31,800,000 surplus of core basic liquidity.

11

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Deposits are the principal source of
funds for the Bank. Management monitors rates at other financial institutions in the area
to ascertain that its rates are competitive in the market. Management also attempts to
offer a wide variety of products to meet the needs of its customers. The makeup of the
Banks Large Certificates, which are generally considered to be more
volatile and sensitive to changes in rates, consists principally of local depositors known
to the Bank. As of March 31, 2004, the Bank had Large Certificates totaling approximately
$56,000,000 compared to $54,000,000 at December 31, 2003. At March 31, 2004, the Bank had
$3,600,000 in brokered certificates which were issued through a dealer in September 2003
to help fund loan growth. Included in the issuance were $1,200,000 maturing in September
2004 and $2,400,000 maturing in September 2005.

It is the intention of the
Banks management to handle unexpected liquidity needs through its Federal Funds
position with a correspondent bank and by Federal Home Loan Bank borrowings. The Bank has
a line of credit of approximately $38,000,000 available at the FHLBI. As of March 31, 2004
approximately $5,100,000 of the line had been used for long term advances, previously
described. The Bank has pledged certain mortgage loans as collateral for this borrowing.
The Bank also has a repurchase agreement in place where it can borrow from a broker who
will lend money against certain securities of the Bank. Finally, management may look to
available for sale securities in the investment portfolio to meet additional
liquidity needs.

Interest Rate RiskInterest rate risk is also addressed
by ALCO. Interest rate risk is the potential for economic losses due to future rate
changes and can be reflected as a loss of future net interest income and/or loss of
current market values. The objective is to measure the effect on net interest income and
to adjust the balance sheet to minimize the inherent risk while, at the same time,
maximizing income. Tools used by management include the standard GAP report which lays out
the repricing schedule for various asset and liability categories and an interest rate
simulation report. The Bank has no market risk sensitive instruments held for trading
purposes. The Bank has not entered into futures, forwards, swaps, or options to manage
interest rate risk. However, the Bank is party to financial instruments with off-balance
sheet risk in the normal course of business to meet the financing needs of its customers
including commitments to extend credit and letters of credit. A commitment or letter of
credit is not recorded as an asset until the instrument is exercised.

12

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In addition to liquidity and interest
rate risk management issues, ALCO discusses the Banks performance and the current
economic outlook and its impact on the Bank and current interest rate forecasts. Actual
results are compared to budget in terms of growth and income. A yield and cost analysis is
done to monitor interest margin. Various ratios are discussed including capital ratios,
other balance sheet ratios, and profitability ratios.

Interest Rate Sensitivity as of March 31, 2004
(dollars in thousands)

|                                 | 0-3Months | 4-12Months | 1-5 Years | 5+ Years | Total
|-------------------------------- | --------- | ---------- | --------- | -------- | -----
|                                 |           |            |           |          |      
|Assets:                          |           |            |           |          |      
|Loans                            |           |            | $         | 162,241  |      
|Securities                       |           |            |           | 8,677    |      
|Brokered CDs                     |           |            |           | 583      |      
|Short term investments           |           |            |           | 23,379   |      
|                                 |           |           
|Total rate sensitive assets      |           |            | $         | 194,880  |      
|                                
|Liabilities:                     |           |           
|Savings & NOW                    |           |            | $         | 88,477   |      
|Time                             |           |            |           | 31,278   |      
|Other borrowings                 |           |            |           | -        |      
|                                 |           |           
|Total rate sensitive liabilities |           |            | $         | 119,755  |      
|                                
|Rate sensitivity gap and ratios: |           |           
|Gap for period                   |           |            | $         | 75,125   |      
|Cumulative gap                   |           |            |           | 75,125   |      
|                                
|Cumulative  rate sensitive ratio |           |            |           | 1.63     |      

The preceding table sets forth the
time periods in which earning assets and interest bearing liabilities will mature or may
re-price in accordance with their contractual terms. The entire balance of savings, MMDA,
and NOW are not categorized as 0-3 months, although they are variable rate products. Some
of these balances are core deposits and are not considered rate sensitive. Allocations are
made to time periods based on the Banks historical experience and managements
analysis of industry trends.

In the gap table above, the short
term (one year and less) cumulative interest rate sensitivity is asset sensitive as of
March 31, 2004. An asset sensitive position would normally indicate increased net interest
income in a rising rate environment. Gap analysis is limited and may not provide an
accurate indication of the impact of general interest rate movements on the net interest
margin since repricing of various categories of assets and liabilities is subject to the
Banks needs, competitive pressures, and the needs of the Banks customers. In
addition, various assets and liabilities indicated as repricing within the same period may
in fact reprice at different times within the period and at different rate indices.
Additionally, simulation modeling, which measures the impact of upward and downward
movements of interest rates on interest margin, provides meaningful insight into
strategies management can take to help mitigate the movement of interest rates.

13

---



Provision for Loan Losses

|      | First Quarter
|----- | -------------
|     
|      |              
|Total |              
|      |              

The Company provided a loan loss
provision of $495,000 in the first quarter of 2004 having provided a provision of $325,000
in the same period last year. The provision in the first quarter of 2004 is based upon an
analysis of estimated losses inherent in the portfolio and other economic factors
including an increase in internally classified loans. Non-performing loans at March 31,
2004 remain at approximately the same level as December 31, 2003 but did decrease
$2,200,000 from the balance at March 31, 2003. Net charge offs for the first quarter of
2004 were $195,000 compared to $146,000 in the same period in 2003. The allowance for loan
loss as a percent of loans was 1.83%, compared to 1.79% a year earlier and 1.72% at
December 31, 2003. Non-accrual, past due 90 days, and renegotiated loans were 1.23% and
1.91% of total loans outstanding at March 31, 2004 and 2003, respectively, and 1.24% of
total loans at December 31, 2003.

Impaired loans, as defined by
Statement of Financial Accounting Standards (SFAS) No. 114, Accounting by Creditors for
Impairment of a Loan, totaled approximately $9,100,000 at March 31, 2004, and included
non-accrual and past due 90 days other than homogenous residential and consumer loans, and
$5,100,000 of commercial loans separately identified as impaired. Impaired loans totaled
$9,600,000 at December 31, 2003 and $10,300,000 at March 31, 2003. A loan is considered
impaired when it is probable that all or part of amounts due according to the contractual
terms of the loan agreement will not be collectable on a timely basis. Nonperforming loans
are reviewed regularly for collectability. Any uncollectable balances are promptly charged
off.

The adequacy of the allowance for
loan losses is determined by managements assessment of the composition of the loan
portfolio, an evaluation of specific credits, an analysis of the value of the underlying
collateral for those loans, historical loss experience, relevant economic factors, the
level of nonperforming loans, loans that have been identified as impaired, and the overall
credit quality of the portfolio. Management continues to refine its techniques in this
analysis. Impaired loans had specific reserves calculated in accordance with SFAS No. 114
of $1,900,000 at March 31, 2004, $1,600,000 at December 31, 2003, and $1,900,000 at March
31, 2003.

Nonperforming assets are loans for
which the accrual of interest has been discontinued, accruing loans 90 days or more past
due in payments, and other real estate which has been acquired primarily through
foreclosure and is waiting disposition.

Loans are generally placed on a
nonaccrual basis when principal or interest is past due 90 days or more and when, in the
opinion of management, full collection of principal and interest is unlikely. Loans
categorized as ninety days past due and still accruing are well secured and in the process
of collection. The following table reflects nonperforming assets at March 31, 2004
compared to December 31, 2003.

14

---



Nonperforming Assets                                                
(in thousands)

|                                                      | March 31, 2004 | December 31, 2003
|----------------------------------------------------- | -------------- | -----------------
|                                                      |                |                  
|Nonaccrual loans                                      |                |                  
|90 days or more past due and still accruing           |                |                  
|Total nonperforming loans                             |                |                  
|Other real estate                                     |                |                  
|Total nonperforming assets                            |                |                  
|                                                     
|Nonperforming loans as a percent of total loans       |                |                  
|Loan loss reserve as a percent of nonperforming loans |                |                  

The following table sets forth loan
balances and summarizes the changes in the allowance for loan losses for the first three
months of 2004 and 2003.

Loans:     (dollars in thousands)

|                                                            | Year to dateMarch 31, 2004 | Year to dateMarch 31, 2003
|----------------------------------------------------------- | -------------------------- | --------------------------
|                                                            |                            |                           
|Average daily balance of loans for the year to date         |                            |                           
|Amount of loans, net of unearned income, outstanding at end |                            |                           
|of the quarter                                              |                            |                           
|Allowance for loan losses:                                  |                            |                           
|Balance at beginning of year                                |                            |                           
|Loans charged off:                                          |                            |                           
|Real estate                                                 |                            |                           
|Commercial                                                  |                            |                           
|Consumer                                                    |                            |                           
|                                                            |                            |                           
|Total charge-offs                                           |                            |                           
|Recoveries of loans previously charged off:                 |                            |                           
|Real estate                                                 |                            |                           
|                                                            |                            |                           
|Commercial                                                  |                            |                           
|Consumer                                                    |                            |                           
|                                                            |                            |                           
|Total recoveries                                            |                            |                           
|Net loans charged off                                       |                            |                           
|Additions to allowance charged to operations                |                            |                           
|                                                            |                            |                           
|Balance at end of quarter                                   |                            |                           
|Ratios:                                                     |                            |                           
|Net loans charged off (annualized) to average               |                            |                           
|loans outstanding                                           |                            |                           
|Allowance for loan losses to loans outstanding              |                            |                           

15

---



|Noninterest Income(in thousands) | First Quarter
|-------------------------------- | -------------
|
|                                 |              
|Total                            |              

Non-interest income, which includes
service charges on deposit accounts, loan fees, trust income, other operating income, and
gain (loss) on sale of assets, increased by $242,000 (25.8%) in the first quarter of 2004
compared to the same period in the previous year. The increase is due to the recognition
of a $299,000 gain deferred in 2003 on the disposition of property held for sale,
classified as other income. Offsetting this, the gain on the sale of loans decreased
$123,000 (86.9%) due to decreased volume of residential mortgage sales. In the first
quarter of 2004 the Company sold $914,000 in residential mortgage loans compared to
$8,200,000 in the same period the previous year. In light of increases in mortgage
interest rates, mortgage loan sales and the related gains are expected to continue to
significantly decrease throughout 2004. Trust income increased $8,000 (14.5%) due to
higher assets under management. Service charge income increased approximately $40,000
(5.4%) primarily the result of an increase volume of business and in particular higher
non-sufficient funds fees.

|Non-interest Expense(in thousands) | First Quarter
|---------------------------------- | -------------
|
|                                   |              
|Total                              |              

Non-interest expense increased
$62,000 (1.9%) in the first quarter of 2004 compared to the same period last year. There
were increases in salaries and benefits expense of $61,000 (3.4%) principally due to
normal merit increases and higher benefit costs. Occupancy expense increased $62,000
(26.4%) primarily due to costs associated with higher building service expenses, property
taxes and depreciation on facilities added in 2003. Equipment expense decreased $62,000
(21.9%) due to lower equipment maintenance costs. Other expenses remained flat through the
first quarter of 2004 compared to the same quarter of 2003.

|Income Tax Expense(in thousands) | First Quarter
|-------------------------------- | -------------
|
|Total                            |              

Fluctuations in income taxes resulted
primarily from changes in the level of profitability and in variations in the amount of
tax-exempt income.

|                                |  | 
|------------------------------- |  | 
|Capital(in thousands)           |  | 
|                                |  | 
|Stockholders' Equity*           |  | 
|Ratio of Equity to Total Assets |  | 

*Amounts include securities valuation
adjustments recorded under SFAS No. 115 amounting to $433,000 at March 31, 2004 and
$307,000 at December 31, 2003.

16

---



The Federal Reserve Board provides
guidelines for the measurement of capital adequacy. The Banks capital, as adjusted
under these guidelines, is referred to as risk-based capital. The Banks Tier 1
risk-based capital ratio at March 31, 2004 was 11.40%, and total risk-based capital was
12.65%. At March 31, 2003, these ratios were 10.03% and 11.28% respectively. Minimum
regulatory Tier 1 risk-based and total risk-based capital ratios under the Federal Reserve
Board guidelines are 4% and 8% respectively.

The capital guidelines also provide
for a standard to measure risk-based capital to total assets which is called the leverage
ratio. The Banks leverage ratio was 9.40% at March 31, 2004 and 8.45% in 2003. The
minimum standard leverage ratio is 3% but financial institutions are expected to maintain
a leverage ratio 1 to 2 percentage points above the 3% minimum.

In 1998 the Company exercised an
option to purchase an 18 acre tract of land in northwest Brighton, primarily to acquire a
prime site for a new branch. The cost of the property was approximately $4,000,000. In
1999, a new branch of the Bank was built on a portion of the land valued at approximately
$800,000. During 2000 one parcel of the property was sold and the remaining property was
sold in the first quarter 2004, at book value. During the first quarter of 2004, the Bank
also transferred two pieces of property originally acquired for future expansion to HB
Realty. Their carrying amounts are included in Land and facilities held for sale,
net at March 31, 2004.

Critical Accounting
PoliciesThe Company maintains critical
accounting policies for the allowance for loan losses. Refer to notes 1c and 1d of the
Notes to Consolidated Financial Statements for additional information incorporated by
reference to the Annual Report to Shareholders for the year ended December 31, 2003.

Contractual Obligations As of March 31, 2004, December 31,
2003 and March 31, 2003, the Bank had outstanding irrevocable standby letters of credit,
which carry a maximum potential commitment of approximately $2,300,000, $2,600,000 and
$3,300,000, respectively. These letters of credit are conditional commitments issued by
the Bank to guarantee the performance of a customer to a third party. The majority of
these letters of credit are short-term guarantees of one year or less, although some have
maturities which extend as long as two years. The credit risk involved in issuing letters
of credit is essentially the same as that involved in extending loans to customers. The
Bank primarily holds real estate as collateral supporting those commitments for which
collateral is deemed necessary. The extent of collateral held on those commitments at
March 31, 2004, December 31, 2003 and March 31, 2003, where there is collateral, is in
excess of the committed amount. A letter of credit is not recorded on the balance sheet
until a customer fails to perform.

17

---



Impact of New Accounting
Standards

Financial Accounting Standards Board
Interpretation No. 46, Consolidation of Variable Interest Entities, (revised
December 2003) (FIN46(R)), clarifies when some entities previously not consolidated under
prior accounting guidance, should be. In some instances, it also requires certain
previously consolidated entities to be de-consolidated. FIN 46(R) is effective for periods
ended after December 15, 2003 for special purpose entities and for periods ended after
March 15, 2004 for other types of variable interest entities (VIEs) that are not defined
as special purpose entities. Adoption of this interpretation did not have an impact on the
Companys consolidated financial statements as the Company does not currently have an
interest in any VIEs.

AICPA Statement of Position 03-3,
Accounting for Certain Loans or Debt Securities Acquired in a Transfer(SOP 03-3),
addresses the accounting for difference between contractual cash flows and cash flows
expected to be collected from the initial investment in loans acquired in a transfer if
those differences are attributable, at least in part, to credit quality. It includes such
loans acquired in purchase business combinations and does not apply to loans originated by
the entity. The SOP prohibits carrying over or creation of valuation allowances in the
initial accounting for loans acquired in a transfer. It is effective for loans acquired in
fiscal years beginning after December 15, 2004. The effects of this new guidance on the
Companys financial statements will depend on future loan acquisition activity, thus
is not determinable at this time.

Item 3. Quantitative and
Qualitative Disclosures About Market Risk There has been no material change in
the market risk faced by the Company since December 31, 2003 other than previously
discussed.

18

---



Item 4. Controls and
Procedures

|(a) | Evaluation of Disclosure Controls and Procedures.


With
the participation of management, the Companys chief executive officer and chief
financial officer, after evaluating the effectiveness of the Companys disclosure
controls and procedures (as defined in Exchange Act Rules 13  15(e) and 15d 15(e)
for the period ended March 31, 2004, have concluded that the Companys disclosure
controls and procedures were adequate and effective to ensure that material information
relating to the Company and its consolidated subsidiaries would be made known to them by
others in connection with the Companys filing of its first quarter report on Form
10-Q for the period ended March 31, 2004.
|--- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|(b) | Changes in Internal Controls.

During
the fiscal quarter covered by this Report, there have not been any changes in our
internal control over financial reporting that has materially affected, or is reasonably
likely to materially affect, our internal control over financial reporting.
|--- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

19

---



PART II  OTHER
INFORMATION

Item 2. Changes in
Securities and Use of Proceeds

All
securities sold by the Company were registered under the Securities Act.

The Company
did not repurchase any of its stock during the current quarter.

Item 6. Exhibits and
Reports on Form 8-K

|(a) | The following exhibits (listed by number corresponding to the Exhibit Table as
          Item 601 in Regulation S-K) are filed with this report:
|--- | ------------------------------------------------------------------------------------------------------------------------------------------------

| | 31.1 | Certificate
of the Chief Executive Officer of FNBH Bancorp, Inc. pursuant to Section 302 of the
                  Sarbanes-Oxley Act of 2002.
| | ---- | ---------------------------------------------------------------------------------------------------------------------------------------------

| | 31.2 | Certificate
of the Chief Financial Officer of FNBH Bancorp, Inc. pursuant to Section 302 of the
Sarbanes-Oxley Act of 2002.
| | ---- | ---------------------------------------------------------------------------------------------------------------------------

| | 32.1 | Certificate
of the Chief Executive Officer of FNBH Bancorp, Inc. pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002 (18 U.S.C. 1350).
| | ---- | --------------------------------------------------------------------------------------------------------------------------------------------

| | 32.2 | Certificate
of the Chief Financial Officer of FNBH Bancorp, Inc. pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002 (18 U.S.C. 1350).
| | ---- | --------------------------------------------------------------------------------------------------------------------------------------------

(b)    
          Reports on Form 8-K:

The
Company filed a report on 8-K on January 7, 2004 and an amended 8-K/A on February 3, 2004,
under Item 4 regarding the decline of KPMG, the Companys independent auditors to
stand for re-election.

The
Company filed a report on 8-K on January 26, 2004, under Item 9 regarding the
Companys year end 2003 Earnings Press Release.

The
Company filed a report on 8-K on February 17, 2004, under Item 9 regarding the appointment
of Herbert W. Bursch as new Chief Operating Officer and Successor as President and Chief
Executive Officer.

The
Company filed a report on 8-K on March 18, 2004, under Item 4 regarding the engagement of
BDO Seidman, LLP to audit the Companys financial statements for the current fiscal
year.

20

---



SIGNATURES

Pursuant to the requirements of the
Securities Exchange Act of 1934, the Registrant has duly caused this Quarterly Report on
Form 10-Q for the quarter ended March 31, 2004 to be signed on its behalf by the
undersigned hereunto duly authorized.

FNBH
BANCORP, INC.

/s/
Herbert W. Bursch
                                   
                                   Herbert W. Bursch
                                   President and
Chief Executive Officer

/s/
Janice B. Trouba 
                                   
                                  Janice B. Trouba 
                                  Chief Financial
Officer

DATE: May 5, 2004

21

---



EXHIBIT 31.1

CERTIFICATE OF THECHIEF EXECUTIVE OFFICER
OF FNBH BANCORP, INC.

Pursuant
to Section 302 of the Sarbanes-Oxley Act of 2002:

I, Herbert W. Bursch, certify that:

|1. |  | I have reviewed this quarterly report on Form 10-Q of FNBH Bancorp, Inc.;
|-- |  | -------------------------------------------------------------------------

|2. |  | Based on my knowledge, this report does not contain any untrue statement of a
               material fact or omit to state a material fact necessary to make the statements
               made, in light of the circumstances under which such statements were made, not
               misleading with respect to the period covered by this report;
|-- |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|3. |  | Based on my knowledge, the financial statements, and other financial information
               included in this report, fairly present in all material respects the financial
               condition, results of operations and cash flows of the registrant as of, and
               for, the periods presented in this report;
|-- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|4. |  | The registrants other certifying officer and I are responsible for
               establishing and maintaining disclosure controls and procedures (as defined in
               Exchange Act Rules 13a-15(e) and 15d-15(e)) for the registrant and we have:
|-- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|a) |  | designed such disclosure controls and procedures, or caused such disclosure
                    controls and procedures to be designed under our supervision, to ensure that
                    material information relating to the registrant, including its consolidated
                    subsidiaries, is made known to us by others within those entities, particularly
                    during the period in which this report is being prepared;
|-- |  | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|b) |  | evaluated the effectiveness of the registrants disclosure controls and
                    procedures and presented in this report our conclusions about the effectiveness
                    of the disclosure controls and procedures, as of the end of the period covered
                    by this report based on such evaluation; and
|-- |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|c) |  | disclosed in this report any change in the registrants internal control
                    over financial reporting that occurred during the registrants most recent
                    fiscal quarter (the registrants fourth fiscal quarter in the case of an
                    annual report) that has materially affected, or is reasonably likely to
                    materially affect, the registrants internal control over financial
                    reporting; and
|-- |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|5. |  | The registrants other certifying officer and I have disclosed, based on
               our most recent evaluation of internal control over financial reporting, to the
               registrants auditors and the audit committee of the registrants
               board of (or persons performing the equivalent functions):
|-- |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|a) |  | all significant deficiencies and material weaknesses in the design or operation
                    of internal control over financial reporting which are reasonably likely to
                    adversely affect the registrants ability to record, process, summarize and
                    report financial information; and
|-- |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|b) |  | any fraud, whether or not material, that involves management or other employees
                    who have a significant role in the registrants internal controls over
                    financial reporting.
|-- |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Date: May 5, 2004

/s/ Herbert W. Bursch

Herbert W. Bursch
Chief Executive Officer

22

---



EXHIBIT 31.2

CERTIFICATE OF THECHIEF FINANCIAL OFFICER
OF FNBH BANCORP, INC.

Pursuant
to Section 302 of the Sarbanes-Oxley Act of 2002:

I, Janice B. Trouba, certify that:

|1. |  | I have reviewed this quarterly report on Form 10-Q of FNBH Bancorp, Inc.;
|-- |  | -------------------------------------------------------------------------

|2. |  | Based on my knowledge, this report does not contain any untrue statement of a
               material fact or omit to state a material fact necessary to make the statements
               made, in light of the circumstances under which such statements were made, not
               misleading with respect to the period covered by this report;
|-- |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|3. |  | Based on my knowledge, the financial statements, and other financial information
               included in this report, fairly present in all material respects the financial
               condition, results of operations and cash flows of the registrant as of, and
               for, the periods presented in this report;
|-- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|4. |  | The registrants other certifying officer and I are responsible for
               establishing and maintaining disclosure controls and procedures (as defined in
               Exchange Act Rules 13a-15(e) and 15d-15(e)) for the registrant and we have:
|-- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|a) |  | designed such disclosure controls and procedures, or caused such disclosure
                    controls and procedures to be designed under our supervision, to ensure that
                    material information relating to the registrant, including its consolidated
                    subsidiaries, is made known to us by others within those entities, particularly
                    during the period in which this report is being prepared;
|-- |  | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|b) |  | evaluated the effectiveness of the registrants disclosure controls and
                    procedures and presented in this report our conclusions about the effectiveness
                    of the disclosure controls and procedures, as of the end of the period covered
                    by this report based on such evaluation; and
|-- |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|c) |  | disclosed in this report any change in the registrants internal control
                    over financial reporting that occurred during the registrants most recent
                    fiscal quarter (the registrants fourth fiscal quarter in the case of an
                    annual report) that has materially affected, or is reasonably likely to
                    materially affect, the registrants internal control over financial
                    reporting; and
|-- |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|5. |  | The registrants other certifying officer and I have disclosed, based on
               our most recent evaluation of internal control over financial reporting, to the
               registrants auditors and the audit committee of the registrants
               board of (or persons performing the equivalent functions):
|-- |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|a) |  | all significant deficiencies and material weaknesses in the design or operation
                    of internal control over financial reporting which are reasonably likely to
                    adversely affect the registrants ability to record, process, summarize and
                    report financial information; and
|-- |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|b) |  | any fraud, whether or not material, that involves management or other employees
                    who have a significant role in the registrants internal controls over
                    financial reporting
|-- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Date: May 5, 2004

/s/ Janice B. Trouba

Janice B. Trouba
Chief Financial Officer

23

---



EXHIBIT 32.1

CERTIFICATE OF THE CHIEF EXECUTIVE OFFICER
OF FNBH BANCORP, INC.

Pursuant
to Section 906 of the Sarbanes-Oxley Act of 2002 (18 U.S.C. 1350):

I,
Herbert W. Bursch, Chief Executive Officer of FNBH Bancorp, Inc., certify, to the best of
my knowledge and belief, pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (18
U.S.C. 1350) that:

(1)   The
quarterly report on Form 10-Q for the quarterly period ended March 31, 2004, which this
statement accompanies, fully complies with requirements of Section 13(a) or 15(d) of the
Securities Exchange Act of 1934 and;

(2)   The
information contained in this quarterly report on Form 10-Q for the quarterly period ended
March 31, 2004, fairly presents, in all material respects, the financial condition and
results of operations of FNBH Bancorp, Inc.

|                   | 
|------------------ | 
|Date:  May 5, 2004 | 

The signed original of this written
statement required by Section 906, or other document authenticating, acknowledging, or
otherwise adopting the signature that appears in typed form within the electronic version
of this written statement required by Section 906, has been provided to FNBH Bancorp, Inc.
and will be retained by FNBH Bancorp, Inc. and furnished to the Securities and Exchange
Commission or its staff upon request.

24

---



EXHIBIT 32.2

CERTIFICATE OF THE CHIEF FINANCIAL OFFICER
OF FNBH BANCORP, INC.

Pursuant
to Section 906 of the Sarbanes-Oxley Act of 2002 (18 U.S.C. 1350):

I,
Janice B. Trouba, Chief Financial Officer of FNBH Bancorp, Inc., certify, to the best of
my knowledge and belief, pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (18
U.S.C. 1350) that:

(1)   The
quarterly report on Form 10-Q for the quarterly period ended March 31, 2004, which this
statement accompanies, fully complies with requirements of Section 13(a) or 15(d) of the
Securities Exchange Act of 1934 and;

(2)   The
information contained in this quarterly report on Form 10-Q for the quarterly period ended
March 31, 2004, fairly presents, in all material respects, the financial condition and
results of operations of FNBH Bancorp, Inc.

|                   | 
|------------------ | 
|Date:  May 5, 2004 | 

The signed original of this written
statement required by Section 906, or other document authenticating, acknowledging, or
otherwise adopting the signature that appears in typed form within the electronic version
of this written statement required by Section 906, has been provided to FNBH Bancorp, Inc.
and will be retained by FNBH Bancorp, Inc. and furnished to the Securities and Exchange
Commission or its staff upon request

25