# SECURITIES AND
EXCHANGE COMMISSION Washington, D.C. 20549Form
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, 2005  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) | 38-2869722(I.R.S. EmployerIdentification 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

_________________

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:
3,182,227 shares of the Corporations Common Stock (no par value) were outstanding as
of April 20, 2004.

---



INDEX

|                                                                              | PageNumber
|----------------------------------------------------------------------------- | ----------
|Part I. Financial Information (unaudited):                                    |           
|                                                                             
|Item 1.                                                                       |           
|Interim Financial Statements:                                                 |           
|Consolidated Balance Sheets as of March 31, 2005 and December 31, 2004        |           
|Consolidated Statements of Income, three months ended March 31, 2005 and 2004 |           
|Consolidated Statements of Stockholders' Equity and Comprehensive             |           
|Income for the three months ended March 31, 2005 and 2004                     |           
|Consolidated Statements of Cash Flows for three months ended                  |           
|March 31, 2005 and 2004                                                       |           
|                                                                             
|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.                                                                       |           
|Unregistered Sales of Equity Securities and Use of Proceeds                   |           
|                                                                             
|Item 6.                                                                       |           
|Exhibits                                                                      |           
|                                                                             
|Signatures                                                                    |           

---



PART I  FINANCIAL
INFORMATION

Item 1.Financial StatementsUnaudited interim consolidated
financial statements follow.

3

---



# FNBH BANCORP, INC. AND
SUBSIDIARIES Consolidated Balance Sheets (Unaudited)

|                                                                       | March 312005 | December 31,2004
|---------------------------------------------------------------------- | ------------ | ----------------
|                                                                       |              |                 
|AssetsCash and due from banks                                          |              | $   11,717,346  
|Short term investments                                                 |              | 9,614,580       
|                                                                       |              |                 
|Total cash and cash equivalents                                        |              | 21,331,926      
|Certificates of deposit                                                |              | 5,110,000       
|Investment securities held to maturity, net (fair value of $16,755,000 |             
|at March 31, 2005 and $16,706,000 at December 31, 2004)                |              | 16,287,600      
|Investment securities available for sale, at fair value                |              | 30,278,723      
|Mortgage-backed securities available for sale, at fair value           |              | 15,383,566      
|FHLBI and FRB stock, at cost                                           |              | 1,142,150       
|                                                                       |              |                 
|Total investment securities                                            |              | 63,092,039      
|Loans:                                                                 |             
|Commericial                                                            |              | 293,366,307     
|Consumer                                                               |              | 36,099,779      
|Real estate mortgage                                                   |              | 34,633,819      
|                                                                       |              |                 
|Total loans                                                            |              | 364,099,905     
|Less allowance for loan losses                                         |              | (6,065,996      
|                                                                       |              |                 
|Net loans                                                              |              | 358,033,909     
|Premises and equipment, net                                            |              | 10,989,207      
|Land and facilities held for sale, net                                 |              | 95,680          
|Other real estate owned, held for sale                                 |              | 335,000         
|Accrued interest and other assets                                      |              | 6,016,930       
|                                                                       |              |                 
|Total assets                                                           |              | $ 465,004,691   
|                                                                       |              |                 
|Liabilities and Stockholders' Equity                                   |             
|Liabilities                                                            |             
|Deposits:                                                              |             
|Demand (non-interest bearing)                                          |              | $   71,292,862  
|NOW                                                                    |              | 43,354,086      
|Savings and money market                                               |              | 137,093,744     
|Time deposits                                                          |              | 155,773,773     
|Brokered certificates of deposit                                       |              | 2,380,021       
|                                                                       |              |                 
|Total deposits                                                         |              | 409,894,486     
|Other borrowings                                                       |              | 4,785,094       
|Accrued interest, taxes, and other liabilities                         |              | 3,937,857       
|                                                                       |              |                 
|Total liabilities                                                      |              | 418,617,437     
|Stockholders' Equity                                                   |             
|Common stock, no par value. Authorized 4,200,000 shares; 3,182,227     |             
|shares issued and outstanding at March 31, 2005 and 3,179,654 shares   |             
|issued and outstanding at December 31, 2004                            |              | 6,075,848       
|Retained earnings                                                      |              | 40,487,437      
|Deferred directors' compensation                                       |              | 476,265         
|Unearned long term incentive plan                                      |              | (134,490        
|Accumulated other comprehensive income, net                            |              | (517,806        
|                                                                       |              |                 
|Total stockholders' equity                                             |              | 46,387,254      
|                                                                       |              |                 
|Total liabilities and stockholders' equity                             |              | $ 465,004,691   
|                                                                       |              |                 

See notes to interim consolidated
financial statements.

4

---



# 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 dividend on investment securities:     |                            
|U.S. Treasury and agency securities                 |                            
|Obligations of states and political subdivisions    |                            
|Corporate bonds                                     |                            
|Other securities                                    |                            
|Interest on short term investments                  |                            
|Interest on certificates of deposit                 |                            
|                                                    |                            
|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                                           |                            
|Basic average shares outstanding                    |                            
|Diluted average shares outstanding                  |                            

See notes to interim consolidated
financial statements.

5

---



FNBH BANCORP, INC. AND
SUBSIDIARIESConsolidated Statements of Stockholders Equity and Comprehensive Income For
the Three Months Ended March 31, 2005 and 2004 (Unaudited)

|                                                     | Common Stock | RetainedEarnings | DeferredDirectors'Compensation | Unearned LongTerm Incentive Plan | AccumulatedOtherComprehensiveIncome(Loss) | Total        
|---------------------------------------------------- | ------------ | ---------------- | ------------------------------ | -------------------------------- | ----------------------------------------- | -------------
|                                                     |              |                 
|Balances at December 31, 2003                        |              | $ 5,725,898      |                                | $ 35,425,699                     |                                           | $           -
|Amortization of long term incentive plan             |              |                  |                                |                                  |                                           |              
|146 shares from long term incentive plan forfeited   |              | (3,059           | )                              |                                  |                                           |              
|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            |                                |                                  |                                           |              
|Comprehensive income:                                |              | -                |                               
|Net income                                           |              |                  |                                | 1,455,804                        |                                           |              
|Change in unrealized gain on debt securities         |              |                  |                                |                                  |                                           |              
|                                                     |              |                  |                                |                                  |                                           |              
|available for sale, net of tax effect                |             
|Total comprehensive income                           |              |                  |                                |                                  |                                           |              
|Cash dividends ($.17 per share)                      |              | (538,764         | )                              | (538,764                         | )                                        
|                                                     |              |                 
|Balances at March 31, 2004                           |              | $ 5,742,206      |                                | $ 36,342,739                     |                                           | $           -
|                                                     |              |                 
|Balances at December 31, 2004                        |              | $ 6,009,181      |                                | $ 39,430,621                     |                                           | $455,481     
|Amortization of long term incentive plan             |              |                  |                                |                                  |                                           |              
|Issued 2,402 shares for employee stock purchase plan |              | 61,515           |                                |                                  |                                           |              
|Issued 171 shares for current directors' fees        |              | 5,152            |                                |                                  |                                           |              
|Deferred compensation (690 stock units)              |              |                  |                                |                                  |                                           | 20,784       
|Comprehensive income:                                |             
|Net income                                           |              |                  |                                | 1,660,950                        |                                           |              
|Change in unrealized gain (loss) on debt securities  |              |                  |                                |                                  |                                           |              
|                                                     |              |                  |                                |                                  |                                           |              
|available for sale, net of tax effect                |             
|Total comprehensive income                           |              |                  |                                |                                  |                                           |              
|Cash dividends ($.19 per share)                      |              |                  |                                | (604,134                         | )                                         |              
|                                                     |              |                 
|Balances at March 31, 2005                           |              | $ 6,075,848      |                                | $ 40,487,437                     |                                           | $476,265     
|                                                     |              |                 

See accompanying notes to
consolidated financial statements.

6

---



# 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 income tax benefit                                                       |                            
|Net amortization on investment securities                                         |                            
|Earned portion of long term incentive plan                                        |                            
|Shares issued for current directors' compensation                                 |                            
|Shares earned for deferred directors' compensation                                |                            
|Gain on sale of loans                                                             |                            
|Proceeds from sale of loans                                                       |                            
|Origination of loans held for sale                                                |                            
|Gain on the sale of other real estate owned, held for sale                        |                            
|Proceeds from sale of other real estate owned, held for sale                      |                            
|Proceeds from sale of land and facilities held 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:                                             |                            
|Purchase of available for sale securities                                         |                            
|Purchase of held to maturity securities                                           |                            
|Purchases/Stock dividend FHLBI stock                                              |                            
|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                 |                            
|Purchases of certificates of deposit                                              |                            
|Maturity of certificates of deposit                                               |                            
|Net (increase) decrease in loans                                                  |                            
|Capital expenditures                                                              |                            
|                                                                                  |                            
|Net cash provided by (used in) investing activities                               |                            
|                                                                                  |                            
|Cash flows from financing activities:                                             |                            
|Net increase (decrease) in deposits                                               |                            
|Increase (decrease) in brokered certificates of deposit                           |                            
|Payments on FHLBI note                                                            |                            
|Proceeds from issuance of short term debt                                         |                            
|Repayment of short term debt                                                      |                            
|Dividends paid                                                                    |                            
|Shares issued for employee stock purchase                                         |                            
|                                                                                  |                            
|Net cash provided by (used in) financing activities                               |                            
|                                                                                  |                            
|Net 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

---



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 FNBH Bancorp, Inc. (the Corporation), 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 Corporation as of
          March 31, 2005, and consolidated results of operations and cash flows for the
          three months ended March 31, 2005 and 2004.

2.    
          The results of operations for the three months ended March 31, 2005 and 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 Consolidated Financial Statements in the 2004 Annual Report
          contained in the Corporations report on Form 10-K filing as amended.

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

5.    
          Investment and Mortgage-Backed Securities. A summary of the amortized cost and
          approximate fair value of investment and mortgage-backed securities at March 31,
          2005 and December 31, 2004 follows:

|                                                | March 31, 2005 | December 31, 2004
|----------------------------------------------- | -------------- | -----------------
|                                                |                |                  
|
|                                                |                |                  
|Held to maturity:                               |                |                  
|Obligations of state and political subdivisions |               
|                                                |                | $16,287,600      
|                                                |                |                  
|Total held to maturity                          |                | 16,287,600       
|                                               
|Available for sale:                             |               
|U.S Treasury and agency securities              |                | 29,972,539       
|Corporate bonds                                 |                | 1,000,953        
|Mortgage-backed securities                      |                | 15,473,351       
|                                                |                |                  
|Total available for sale                        |                | 46,446,843       
|                                                |                |                  
|Total securities                                |                | $62,734,443      
|                                                |                |                  

There were eight securities in a
continuous loss position for 12 months or more at March 31, 2005, which consisted of an
asset-backed security and seven agency securities. Because the declines in fair value were
due to changes in market interest rates, not in estimated cash flows, no
other-than-temporary impairment was recorded at March 31, 2005. The Corporation has both
the intent and ability to hold these securities for the time necessary to recover the
amortized cost.

8

---



The following is a summary of the
unrealized losses and fair value of securities available for sale portfolio at March 31,
2005, by length of time that individual securities in each category have been in a
continuous loss position:

|                                    | Less than 12 months | March 31, 200512 months or more | Total
|----------------------------------- | ------------------- | ------------------------------- | -----
|                                    |                     |                                 |      
|
|                                    |                     |                                 |      
|Available for sale:                 |                     |                                 |      
|U.S. Treasury and agency securities |                     | $(426,068                       | )    
|Mortgage-backed securities          |                     | (134,490                        | )    
|                                    |                     |                                 |      
|Total available for sale            |                     | $(560,558                       | )    
|                                    |                     |                                 |      

As of December 31, 2004, there were
three investments that had been in a continuous loss position for 12 months or more and no
impairment was recorded.

6.    
          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 $1,961,000 at March 31, 2005, $1,434,000
          at December 31, 2004, and $4,193,000 at March 31, 2004. (See Managements
          Discussion and Analysis of Financial Condition and Results of Operations).

7.    
          Basic net income per common share is computed by dividing net income applicable
          to common stock by the weighted average number of shares of common stock and
          deferred director fee stock units outstanding during the period. Diluted net
          income per common share is computed by dividing net income applicable to common
          stock by the weighted average number of shares and deferred director fee stock
          units outstanding and potential common stock outstanding, such as shares of
          unvested restricted stock outstanding during the period, of which there were
          1,013 shares as of March 31, 2005, calculated under the treasury stock method.

The following table presents basic
and diluted net income per share:

|                                            | First Quarter
|------------------------------------------- | -------------
|
|                                            |              
|Weighted average basic shares outstanding   |              
|Effect of dilutive restricted stock         |              
|                                            |              
|Weighted average diluted shares outstanding |              
|                                           
|Net income                                  |              
|Basic net income per share                  |              
|Diluted net income per share                |              

9

---



8.    
          In the first quarter of 2005, the allowance for unfunded loan commitments was
          recorded in Accrued interest, taxes, and other liabilities.
          Previously, this portion of the allowance was included in the allowance for loan
          losses and shown as a contra-asset on the Consolidated Balance Sheets. Prior
          period amounts have been reclassified. The allowance for losses on unfunded loan
          commitments is determined in a similar manner to the allowance for loan losses.

In September 2004, the Corporation
reclassified deferred directors compensation (See Note 17 of the Consolidated
Financial Statements in the 2004 Annual Report) from a liability to equity. Prior periods
were not reclassified as the impact of this change was determined not to be significant.

Item 2.

Managements
Discussion and Analysisof 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 the Corporation 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 Corporation, 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
Corporations results of operations for the three months ended March 31, 2005 and
2004, and also provides information relating to the Corporations financial
condition, focusing on its liquidity and capital resources.

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

Net income for the three months ended
March 31, 2005 increased approximately $205,000 (14.1%) compared to the same period last
year. In the first quarter of the current year, net interest income increased $609,000
(13.0%) and the provision for loan losses decreased $129,000 (26.1%). Partially offsetting
these favorable occurrences was a decrease in noninterest income of $208,000 (17.6%),
increased noninterest expenses of $216,000 (6.6%) and increased federal income taxes of
$110,000 (17.5%).

10

---



|                                                 |  |       
|------------------------------------------------ |  | ------
|
|
|                                                 |  |       
|Net Interest Income(in thousands)Interest Income |  | $6,764
|Interest Expense                                 |  | 1,477 
|                                                 |  |       
|Net Interest Income                              |  | $5,287

The following table illustrates some
of the significant factors contributing to the increase in net interest income (fully tax
equivalent basis) for the period.

INTEREST YIELDS AND
COSTS (in thousands)                  March 31, 2005 and 2004

|                                                          | ----------First Quarter Averages----------
|--------------------------------------------------------- | ------------------------------------------
|
|
|Assets:                                                   |                                           
|Short term investments and certificates of deposit        |                                           
|Securities:  Taxable                                      |                                           
|Tax-exempt (1)                                            |                                           
|Loans (2)(3)                                              |                                           
|                                                          |                                           
|Total earnings assets/total interest income               |                                           
|                                                          |                                           
|Cash and due from banks                                   |                                           
|All other assets                                          |                                           
|Allowance for loan loss                                   |                                           
|                                                          |                                           
|Total Assets                                              |                                           
|                                                          |                                           
|Liabilities and Stockholders' Equity:                     |                                           
|Interest bearing deposits:                                |                                           
|Savings & NOW accounts                                    |                                           
|Time                                                      |                                           
|Short term borrowings                                     |                                           
|FHLBI 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 $128,000 in 2005 and
          $167,000 in 2004.

11

---



Interest Earning
Assets/Interest Income

On a tax equivalent basis, interest
income increased approximately $656,000 (10.5%) in the first quarter of 2005 compared to
the first quarter of 2004. The increase was the result of higher average earning assets of
$24,695,000 (5.9%) and an increase in the yield on earning assets of 26 basis points. The
increase in yield is primarily the result of increases in the prime interest rate.

The quarterly average balance of
short term investments and securities was $12,888,000 (18.5%) higher in the first quarter
of 2005 as compared with the same period in 2004. Partially offsetting the increase in
average balances was a decrease in the yield on these investments of 7 basis points due to
higher balances in taxable and tax-exempt securities purchased in the lower rate
environment of 2003 and the first half of 2004. Loans, which earn a higher yield than investments, had an increase in average balances of $11,807,000 (3.4%) in the first
quarter of 2005 compared to the same period last year as well as a 40 basis point increase
in yield. While yields on loans have improved from the prior year, increased competition
in loan pricing is preventing the Bank from realizing the full impact of the prime rate
increases. Competition is expected to continue to impact loan pricing throughout 2005.

Interest Bearing
Liabilities/Interest Expense

Interest expense on deposits for the
first quarter of 2005 increased $34,000 (2.5%) from the first quarter 2004. This was the
result of higher average balances of $10,433,000 (3.2%) in 2005 compared to 2004. The
average interest rate paid on deposits remained virtually the same in first quarter of
2005 as compared to the first quarter of 2004; however recent rate increases on deposit
products are expected to impact the yield paid on deposits for at least the remainder of
2005.

Included in the average balance for
short term borrowings during 2005 were federal funds purchased. Due to the increased loan
demand in the first quarter of 2005 it has been necessary at times to borrow federal funds
or other short term borrowings. Federal Home Loan Bank of Indianapolis (FHLBI) advances
include two loans entered into in 2000 from the FHLBI. One borrowing originally for
$3,000,000 was initiated to match the maturity of a fixed rate loan made to a local
township which matured in April 2005. The other borrowing was intended to help with the
Banks rate sensitivity. FHLB borrowings are available to fund future loan growth if
needed.

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.

12

---



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, 2005, the Bank had Large Certificates totaling approximately
$74,000,000 compared to $54,000,000 at December 31, 2004. At March 31, 2005, the Bank had
$2,400,000 in brokered certificates which were issued through a dealer in September 2003
to help fund loan growth. The certificates mature 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 FHLBI borrowings. The Bank has a line of credit
of approximately $44,000,000 available at the FHLBI. As of March 31, 2005 approximately
$4,800,000 of the line had been used for long term advances, as 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 Risk

Interest 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.

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.

13

---



Interest Rate Sensitivity
as of March 31, 2005(dollars in thousands)

|                                 | 0-3Months | 4-12Months | 1-5 Years | 5+Years      | Total
|-------------------------------- | --------- | ---------- | --------- | ------------ | -----
|                                 |           |            |           |              |      
|Assets:                          |           |            |           |              |      
|Loans                            |           | $192,645   |           | $ 37,326     |      
|Securities                       |           | 2,694      |           | 6,036        |      
|Brokered CDs                     |           | 1,963      |           | 2,852        |      
|Short term investments           |           | 9,615      |           | -            |      
|                                 |           |            |           |              |      
|Total rate sensitive assets      |           | $206,917   |           | $ 46,214     |      
|Liabilities:                     |          
|Savings & NOW                    |           | $  84,657  |           | $          - |      
|Time                             |           | 30,643     |           | 56,838       |      
|Other borrowings                 |           | 3,000      |           | 304          |      
|                                 |           |            |           |              |      
|Total rate sensitive liabilities |           | $118,300   |           | $ 57,142     |      
|Rate sensitivity gap and ratios: |          
|Gap for period                   |           | $  88,617  |           | $(10,928     | )    
|Cumulative gap                   |           | 88,617     |           | 77,689       |      
|Cumulative rate sensitive ratio  |           | 1.75       |           | 1.44         |      

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
including 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, 2005. 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.

Provision for Loan Losses(in thousands)

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

14

---



The Corporation recorded a loan loss
provision of $366,000 in the first quarter of 2005 compared to a provision of $495,000 in
the same period last year. The provision is based upon an analysis of estimated losses
inherent in the portfolio and other economic factors. Non-performing loans at March 31,
2005 are up slightly, $527,000 from December 31, 2004, and have decreased $2,232,000 from
the balance at March 31, 2004. Net charge offs for the first quarter of 2005 were $408,000
compared to $194,000 in the same period in 2004. Charge offs increased partially, due to
the charge off of a commercial loan secured by equipment for which the Bank has not yet
taken possession; the equipment is in the process of sale by the owner and the Bank
anticipates some recovery on this charge off. The allowance for loan losses as a percent
of loans was 1.67%, compared to 1.70% at December 31, 2004 and 1.69% at March 31, 2004.
Non-accrual, past due 90 days, and renegotiated loans were .54% of total loans at March
31, 2005, compared to .40% at December 31, 2004 and 1.23% at March 31, 2004.

Subsequent to March 31, 2005, there has been
 an adverse change a customers business operations. The adverse change in their business condition, combined with
deterioration in our collateral has caused the Bank to anticipate a charge to the loan
loss provision of approximately $200,000 to $400,000 related to this relationship in the second quarter of 2005.

Impaired loans, as defined by
Statement of Financial Accounting Standards (SFAS) No. 114, Accounting by Creditors for
Impairment of a Loan, totaled approximately $5,900,000 at March 31, 2005, and included
non-accrual and past due 90 days other than homogenous residential and consumer loans, and
$4,700,000 of commercial loans separately identified as impaired. Impaired loans totaled
$5,900,000 at December 31, 2004 and $9,100,000 at March 31, 2004. 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 commercial loans had specific reserves calculated in accordance with
SFAS No. 114 of $1,630,000 at March 31, 2005, $1,740,000 at December 31, 2004, and
$1,900,000 at March 31, 2004.

In the first quarter of 2005, the
allowance for unfunded loan commitments was recorded in Accrued interest, taxes and
other liabilities. Previously, this portion of the allowance was included in the
allowance for loan losses and shown as a contra-asset on the Consolidated Balance Sheets.
Prior period amounts have been reclassified. The allowance for losses on unfunded loan
commitments is determined in a similar manner to the allowance for loan losses.

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.

15

---



Loans are generally placed on a
nonaccrual basis when principal or interest is past due ninety 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, 2005
compared to December 31, 2004.

Nonperforming Assets
  (in thousands)

|                                                                             | March 31, 2005 | December 31, 2004
|---------------------------------------------------------------------------- | -------------- | -----------------
|                                                                             |                |                  
|Nonaccrual loans                                                             |                | $1,799           
|90 days or more past due and still accruing                                  |                | 162              
|                                                                             |                |                  
|Total nonperforming loans                                                    |                | $1,961           
|Other real estate                                                            |                | 335              
|                                                                             |                |                  
|Total nonperforming assets                                                   |                | $2,296           
|                                                                            
|Nonperforming loans as a percent of total loans                              |                | 0.54             
|Allowance for loan losses as a percent of nonperforming loans                |                | 309              
|Nonperforming assets as a percent of total loans and other real estate owned |                | 0.63             

The following table summarizes the
changes in the allowance for loan losses for the first three months of 2005 and 2004.

|                                                                | 2005 | 2004  
|--------------------------------------------------------------- | ---- | ------
|
|                                                                |      |       
|Allowance for loan losses:                                      |      |       
|Balance at beginning of year as restated                        |      | $6,093
|Loans charged off:                                              |     
|Real estate                                                     |      | -     
|Commerical                                                      |      | 326   
|Consumer                                                        |      | 127   
|                                                                |      |       
|Total charge-offs                                               |      | 453   
|Recoveries to loans previously charged off:                     |     
|Real estate                                                     |      | -     
|Commerical                                                      |      | 3     
|Consumer                                                        |      | 42    
|                                                                |      |       
|Total recoveries                                                |      | 45    
|                                                                |      |       
|Net loans charged off                                           |      | 408   
|Additions to allowance charged to operations                    |      | 381   
|                                                                |      |       
|Balance at end of quarter                                       |      | $6,066
|Ratios:                                                         |     
|Net loans charged off (annualized) to average loans outstanding |      | 0.46% 
|Allowance for loan losses to loans outstanding                  |      | 1.67% 

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

16

---



Noninterest income which includes
service charges and other fee income, trust income, gain on sale of loans and other
miscellaneous income decreased by $208,000 (17.6%) during the first quarter of 2005 from
the comparable quarter in 2004. Service charges and other fee income increased $47,000
(5.6%) during the first quarter of 2005 from the first quarter of 2004 due to an increase
in commercial loan fees. Trust income improved slightly, $2,800 (4.5%) in the first
quarter 2005 compared to the same period last year due to higher assets under management.
Gain on the sale of loans decreased $2,300 (12.1%) despite higher loan sales due to lower
margins on mortgage loans originated for sale. During the first quarter of 2005,
$1,254,000 of loans were sold compared to $914,000 in the same quarter of 2004. Other
income decreased $255,000 (82.1%) during the first quarter of 2005 primarily due to the
recognition in 2004 of a $299,000 nonrecurring gain on the sale partially of property held
for sale partially offset by higher gains on other real estate owned in 2005.

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

Noninterest expense increased
$216,000 (6.6%) in the first quarter of 2005 compared to the same period in 2004. Salaries
and benefits increased $118,000 (6.4%) in the first quarter of 2005 compared to the first
quarter of 2004 due to increased benefit costs, overtime expense and annual salary
increases during the first quarter of 2005 related to year end projects. Occupancy cost
increased $25,000 (8.3%) in 2005 due to the costs associated with higher real estate taxes
and maintenance expenses. Equipment expenses decreased $15,000 (6.8%) due to lower
depreciation expense in 2005. Professional and service fees are $7,000 (2.1%) lower in
2005 than in 2004 due to the timing of projects undertaken. Printing and supplies costs
increased $18,000 (21.8%) due to higher costs associated with new products and the related
brochures. Advertising costs decreased $33,000 (42.4%) due to the hiring of a Marketing
and Sales position which reduced external agency services fees. Other expenses increased
$110,000 (27.5%) due to higher computer service fees and other real estate owned expenses.

|                                      |  |     
|------------------------------------- |  | ----
|
|
|Income Tax Expense(in thousands)Total |  | $735

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

|                                          | March 31, 2005 | December 31, 2004
|----------------------------------------- | -------------- | -----------------
|Capital(in thousands)Stockholders' Equity |                | $     46,387     
|Ratio of Equity to Total Assets           |                | 9.98%            

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, 2005 was 11.61% and total risk-based capital was
12.86%. At March 31, 2004, these ratios were 11.40% and 12.65%, respectively. Minimum
regulatory Tier 1 risk-based and total risk-based capital ratios under the Federal Reserve
Board guidelines are 4% and 8%, respectively.

17

---



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 9.56% at March 31, 2005, and 9.40% in 2004. The
minimum standard leverage ratio is 3% but financial institutions are expected to maintain
a leverage ratio of 1 to 2 percentage points above the 3% minimum.

Critical Accounting
Policies

The Corporation 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, 2004.

Contractual Obligations

As of March 31, 2005, December 31,
2004, and March 31, 2004, the Bank had outstanding irrevocable standby letters of credit,
which carry a maximum potential commitment of approximately $3,200,000, $3,200,000 and
$2,300,000, 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, 2005, December 31, 2004 and March 31, 2004, 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.

Impact of New Accounting
Standards

In December 2004, the Financial
Accounting Standards Board (FASB) issued SFAS No. 123(R), Share-Based Payment. This
Statement is a revision of SFAS No. 123, Accounting for Stock-Based Compensation,
and supersedes APB opinion No. 25, Accounting for Stock Issued to Employees,and
its related implementation guidance. The Statement originally effective July 1, 2005, now
delayed until January 1, 2006, is required to be adopted using a modified
prospective method. Under the modified prospective method, the Statement applies to
new awards and to awards modified, repurchased or cancelled after the effective date.
Additionally, compensation cost for the unvested portion of awards as of the effective
date is required to be recognized as the awards vest after the effective date. This
Statement focuses on the accounting for transactions that involve employee services
compensated for in share-based payments and requires that the cost resulting from all
share-based payment transactions be recognized in the financial statements. The Statement
also establishes fair value as the measurement objective in accounting for share-based
payment arrangements and requires all entities to apply a fair-value-based measurement
method in accounting for share-based payment transactions with employees.

The Corporation currently has two
plans affected by the issuance of this Statement. The Long Term Incentive Plan allows for
the granting of stock options to certain employees; however, the Corporation has not, to
date, issued any options under this plan. Consequently, the Statement will have no impact
on the Corporations results of operations or financial condition until such time as
options are granted. The second plan affected is the Employee Stock Purchase Plan (ESPP).
The Statement allows for ESPP shares to be issued at ninety-five percent of fair market
value as of the grant date with no compensation expense recognized. Effective April 1,
2005, the Corporations plan allows for the purchase of shares at ninety-five percent
of fair market value as of the grant date, thus no compensation expense will be recognized
upon the effectiveness of SFAS 123(R). The Corporation does not expect the implementation
of this Statement to have an impact on its results of operations or financial position.

18

---



In March 2004, the Emerging Issues
Task Force (EITF) reached consensus on Issue No. 03-1, The Meaning of
Other-Than-Temporary Impairment and Its Application to Certain Investments, (EITF
03-1). EITF 03-1 provides guidance for assessing impairment losses on investments and
includes new disclosure requirements for investments that are deemed to be temporarily
impaired. In September 2004, the FASB issued FASB Staff Position (FSP) EITF 03-1-1,
Effective Date of Paragraphs 10-20 of EITF Issue No. 03-1, The Meaning of Other-Than
Temporary Impairment and Its Application to Certain Investments, which delays the
effective date for the measurement and recognition guidance contained in selected
paragraphs of EITF 03-1 until final application guidance is issued. The delay does not
suspend the requirement to recognize other-than-temporary impairments as required by
existing authoritative literature. The adoption of EITF-03-1 is not expected to have a
significant impact on the Corporations results of operations or financial position.

Item 3. Quantitative and
Qualitative Disclosures About Market Risk

There has been no material change in
the market risk faced by the Corporation since December 31, 2004 other than previously
discussed.

Item 4. Controls and
Procedures

|(a) | Evaluation
of Disclosure Controls and Procedures.  
With
the participation of management, the Corporations chief executive officer and chief
financial officer, after evaluating the effectiveness of the Corporations disclosure
controls and procedures (as defined in Exchange Act Rules 13  15(e) and 15d 
15(e)) for the period ended March 31, 2005, have concluded that the Corporations
disclosure controls and procedures were adequate and effective to ensure that material
information relating to the Corporation and its consolidated subsidiaries would be made
known to them by others in connection with the Corporations filing of its first
quarter report on Form 10-Q for the period ended March 31, 2005.
|--- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|(b) | Changes
in Internal Control Over Financial Reporting. 
During
the fiscal quarter covered by this Report, there have not been any changes in our
internal control over financial reporting that have materially affected, or are
reasonably likely to materially affect, our internal control over financial reporting.
|--- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

19

---



PART II  OTHER
INFORMATION

Item 2. Unregistered Sales
of Equity Securities and Use of Proceeds

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

The Corporation
did not repurchase any of its stock during the current quarter, nor has the
Corporations Board adopted or approved a stock repurchase program.

Item 6. Exhibits

| | 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 (18 U.S.C. 1350).
|---- | --------------------------------------------------------------------------------------------------------------------------------------------

|31.2 | Certificate
of the Chief Financial Officer of FNBH Bancorp, Inc. pursuant to Section 302 of the Sarbanes-Oxley
Act of 2002 (18 U.S.C. 1350).
|---- | --------------------------------------------------------------------------------------------------------------------------------------------

|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).
|---- | --------------------------------------------------------------------------------------------------------------------------------------------

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, 2005 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 9, 2005

21

---



EXHIBIT 31.1

CERTIFICATE OF THECHIEF
EXECUTIVE OFFICER OF FNBH BANCORP, INC.

Pursuant to Section 302 of the
Sarbanes-Oxley Act of 2002 (18 U.S.C. 1350):

I, Herbert W. Bursch, certify that:

| | 1. | I have reviewed this 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)) and internal control over financial
               reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) 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. | Designed such internal control over financial reporting, or caused such internal
                    control over financial reporting to be designed under our supervision, to
                    provide reasonable assurance regarding the reliability of financial reporting
                    and the preparation of financial statements for external purposes in accordance
                    with generally accepted accounting principles;
| | -- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | c. | 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
| | -- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | d. | 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 registrants Board of
               Directors (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 control over
                    financial reporting.
| | -- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Date: May 9, 2005

/s/Herbert W. BurschHerbert W. BurschChief
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 (18 U.S.C. 1350):

I, Janice B. Trouba, certify that:

| | 1. | I have reviewed this 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)) and internal control over financial
               reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) 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. | Designed such internal control over financial reporting, or caused such internal
                    control over financial reporting to be designed under our supervision, to
                    provide reasonable assurance regarding the reliability of financial reporting
                    and the preparation of financial statements for external purposes in accordance
                    with generally accepted accounting principles;
| | -- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | c. | 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
| | -- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | d. | 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 registrants Board of
               Directors (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 control over
                    financial reporting.
| | -- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Date: May 9, 2005

/s/ Janice B. TroubaJanice B. TroubaChief Financial
Officer

23

---



EXHIBIT 32.1

CERTIFICATE OF THECHIEF
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, 2005,
          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, 2005, fairly presents, in all material
          respects, the financial condition and results of operations of FNBH Bancorp,
          Inc.

|Date: May 9, 2005 | FNBH BANCORP, INC.
By:/s/ Herbert W. Bursch
           Herbert W. Bursch
Its:   Chief Executive Officer
|----------------- | -------------------------------------------------------------------------------------------------------

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 THECHIEF
FINANCIAL OFFICER OFFNBH 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, 2005,
          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, 2005, fairly presents, in all material
          respects, the financial condition and results of operations of FNBH Bancorp,
          Inc.

|Date:  May 9, 2005 | FNBH BANCORP, INC.
By: /s/ Janice B. Trouba
           Janice B. Trouba
Its:  Chief Financial Officer
|------------------ | -----------------------------------------------------------------------------------------------------

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