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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>UNITED STATES SECURITIES AND EXCHANGE
COMMISSION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Washington, D.C. 20549</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FORM 8-K</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CURRENT REPORT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Pursuant to Section 13 or 15(d) of</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">The Securities Exchange Act of 1934</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Date of Report (Date of earliest event reported):
May 8, 2012</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FNBH BANCORP, INC.</B></P>

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<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Exact name of Registrant as specified in
its charter)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Michigan</TD>
    <TD STYLE="width: 2%; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: center; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">000-25752</TD>
    <TD STYLE="width: 2%; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: center; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">38-2869722</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0.5in">(State or Other Jurisdiction</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">of Incorporation)</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;(Commission File No.)</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(IRS Employer</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Identification No.)</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 66%; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">101 East Grand River, Howell, Michigan</TD>
    <TD STYLE="width: 2%; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: center; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">48843</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">(Address of Principal Executive Offices)</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">(Zip Code)</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>517-546-3150</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Registrant's Telephone Number, Including
Area Code)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Not Applicable</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Former Name or Former Address, if changed
Since Last Report)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Check the appropriate box below if the
Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings 2">&pound;</FONT></TD><TD STYLE="text-align: justify">Written communications pursuant to Rule 425 under the Section
Act (17 CFR 230.425)</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings 2">&pound;</FONT></TD><TD STYLE="text-align: justify">Soliciting material pursuant to Rule 14a-12 under the Exchange
Act (17 CFR 240.14a-12).</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings 2">&pound;</FONT></TD><TD STYLE="text-align: justify">Pre-commencement communications pursuant to Rule 14d-2(b)
under the Exchange Act (17 CFR 240-14d-2(b)).</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings 2">&pound;</FONT></TD><TD STYLE="text-align: justify">Pre-commencement communications pursuant to Rule 13e-4(c)
under the Exchange Act (17 CFR 240.13e-4(c)).</TD>
</TR></TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 58.5pt; text-align: justify; text-indent: -58.5pt"><B>Item
1.01&#9;Entry into a Material Definitive Agreement</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 58.5pt; text-align: justify; text-indent: -58.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">On May 8, 2012, FNBH Bancorp, Inc. (the
&quot;Company&quot;) entered into a series of subscription agreements with accredited investors (the &quot;Subscription Agreements&quot;),
pursuant to which the Company agreed to sell, subject to the satisfaction of certain conditions (as described below), an aggregate
of approximately 8,000 units (the &quot;Units&quot;), for a purchase price of $1,500 per Unit, with each Unit consisting of 715
shares of the Company's common stock (&quot;Common Stock&quot;) and $1,000 principal amount of 10% subordinated debentures to be
issued by the Company (the &quot;Debentures&quot;). The per Unit price reflects a price of $0.70 per share of Common Stock. The
aggregate purchase price of the Units subject to the Subscription Agreements is approximately $12 million.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Company has instructed each subscriber
to pay their subscription funds into an escrow account maintained by an unaffiliated financial institution. Subscription funds
will be held in such escrow account until the closing of the sale of the Units (the &quot;Private Placement&quot;). It is possible
the Company may not receive all subscription funds required to be paid pursuant to the Subscription Agreements and/or that the
Private Placement may not otherwise close as a result of the failure of certain conditions, noted below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In connection with the Private Placement,
the Company engaged a broker-dealer, which is a member of the Financial Industry Regulatory Authority, to act as placement agent
(the &quot;Agent&quot;). Based on the approximate $12 million subscribed pursuant to the Subscription Agreements, the Agent will
receive approximately $340,000 in commissions upon the closing of the Private Placement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Company intends to contribute substantially
all of the proceeds (less commissions and other offering expenses and less an amount to be retained by the Company to pay future
expected holding company expenses) to First National Bank in Howell, the Company's wholly-owned bank subsidiary (the &quot;Bank&quot;),
in order to improve the Bank's capital levels.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The closing of the Private Placement is
subject to material conditions, including a condition regarding the existence and/or terms of any formal regulatory enforcement
action against the Bank and compliance by one or more investors with federal law applicable to the acquisition of &quot;control&quot;
of a bank holding company such as the Company. The satisfaction or waiver of these conditions is largely out of the control of
the Company. If the conditions to the closing of the Private Placement are not satisfied or waived, the closing of the Private
Placement will not occur.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The foregoing description of the material
terms of the Private Placement does not purport to be a complete description of the rights and obligations of the parties involved
and is qualified in its entirety by reference to the full text of the terms of the Subscription Agreements entered and the form
of Debenture to be issued by the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 58.5pt; text-align: justify; text-indent: -58.5pt"><B>Item
2.03&#9;Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The disclosure set forth under Item 1.01
of this Current Report on Form 8-K is incorporated in this Item 2.03 by reference.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Debentures are not convertible into
any other security, including shares of Common Stock, and will mature on the eighth anniversary of their issuance. Each Debenture
provides that the Company will pay interest to the holder at an interest rate of 10% per annum on a quarterly basis. However, the
Company's obligation to make any payment of principal or interest will be subject to the Company's receipt of all regulatory approvals
then required. Any payment that is not made on the scheduled due date for such payment (but for this condition) will accrue interest
at the rate of 10% per annum. The Debentures will be subordinate to all senior indebtedness of the Company and its subsidiaries,
and will be unsecured obligations of the Company. The Company will be entitled to prepay any Debenture, in part or in whole, without
premium or penalty. Each Debenture contains customary events of default, including the Company's failure to pay principal and interest
when due (except as a result of the Company's failure to receive any regulatory approval then required) or in the event of any
bankruptcy or similar proceeding involving the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Each Debenture also provides that holders
of a majority in principal amount of the outstanding Debentures will be entitled to appoint an agent (the &quot;Enforcement Agent&quot;)
to represent all holders of Debentures upon an event of default. If an event of default occurs, the Enforcement Agent may declare
the principal amount of all outstanding Debentures to be due and payable immediately, as well as accrued and unpaid interest and
expenses of collection. A holder of a Debenture will be entitled to enforce its rights under the Debenture only if an Enforcement
Agent has not been appointed within 60 days following an event of default or, if an Enforcement Agent has been so appointed, the
Enforcement Agent fails to enforce the Company's obligations with respect to a continuing event of default within 90 days following
appointment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 58.5pt; text-align: justify; text-indent: -58.5pt"><B>Item
3.02&#9;Unregistered Sales of Equity Securities</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The disclosure set forth under Item 1.01
of this Current Report on Form 8-K is incorporated in this Item 3.02 by reference.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In connection with the Private Placement,
the Company relied upon the exemption from securities registration afforded by Rule 506 of Regulation D as promulgated by the Securities
and Exchange Commission under the Securities Act of 1933, as amended (the &quot;Securities Act&quot;) and/or Section 4(2) of the
Securities Act. No general solicitation or advertising was employed in offering the Units. The Units were offered to a limited
number of persons, all of whom are accredited investors, and transfer of the securities will be restricted by the Company in accordance
with the requirements of the Securities Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SIGNATURES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Pursuant to the requirements
of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: 0; margin-top: 0pt; margin-bottom: 6pt">&nbsp;</P>

<TABLE BORDER="0" CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="2"><B>FNBH BANCORP, INC.</B></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">Dated: May 11, 2012</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Mark Huber</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; width: 50%">&nbsp;</TD>
    <TD STYLE="width: 4%">By:&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 46%">Mark Huber</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>Its:&nbsp;</TD>
    <TD STYLE="vertical-align: top">Chief Financial Officer&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

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{"company-data": {"conformed-name": "FNBH BANCORP INC", "cik": "0000943119", "assigned-sic": "6021", "irs-number": "382869722", "state-of-incorporation": "MI", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-25752", "film-number": "12834814"}, "business-address": {"street1": "101 E GRAND RIVER", "street2": "P O BOX 800", "city": "HOWELL", "state": "MI", "zip": "48844", "phone": "5175463150"}, "mail-address": {"street1": "PO BOX 800", "city": "HOWELL", "state": "MI", "zip": "48844-0800"}}
UNITED STATES SECURITIES AND EXCHANGE
COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of
The Securities Exchange Act of 1934
Date of Report (Date of earliest event reported):
May 8, 2012
FNBH BANCORP, INC.
(Exact name of Registrant as specified in
its charter)
Michigan
000-25752
38-2869722
(State or Other Jurisdiction
of Incorporation)
(Commission File No.)
(IRS Employer
Identification No.)
101 East Grand River, Howell, Michigan
48843
(Address of Principal Executive Offices)
(Zip Code)
517-546-3150
(Registrant's Telephone Number, Including
Area Code)
Not Applicable
(Former Name or Former Address, if changed
Since Last Report)
Check the appropriate box below if the
Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
£
Written communications pursuant to Rule 425 under the Section
Act (17 CFR 230.425)
£
Soliciting material pursuant to Rule 14a-12 under the Exchange
Act (17 CFR 240.14a-12).
£
Pre-commencement communications pursuant to Rule 14d-2(b)
under the Exchange Act (17 CFR 240-14d-2(b)).
£
Pre-commencement communications pursuant to Rule 13e-4(c)
under the Exchange Act (17 CFR 240.13e-4(c)).
Item
1.01	Entry into a Material Definitive Agreement
On May 8, 2012, FNBH Bancorp, Inc. (the
"Company") entered into a series of subscription agreements with accredited investors (the "Subscription Agreements"),
pursuant to which the Company agreed to sell, subject to the satisfaction of certain conditions (as described below), an aggregate
of approximately 8,000 units (the "Units"), for a purchase price of $1,500 per Unit, with each Unit consisting of 715
shares of the Company's common stock ("Common Stock") and $1,000 principal amount of 10% subordinated debentures to be
issued by the Company (the "Debentures"). The per Unit price reflects a price of $0.70 per share of Common Stock. The
aggregate purchase price of the Units subject to the Subscription Agreements is approximately $12 million.
The Company has instructed each subscriber
to pay their subscription funds into an escrow account maintained by an unaffiliated financial institution. Subscription funds
will be held in such escrow account until the closing of the sale of the Units (the "Private Placement"). It is possible
the Company may not receive all subscription funds required to be paid pursuant to the Subscription Agreements and/or that the
Private Placement may not otherwise close as a result of the failure of certain conditions, noted below.
In connection with the Private Placement,
the Company engaged a broker-dealer, which is a member of the Financial Industry Regulatory Authority, to act as placement agent
(the "Agent"). Based on the approximate $12 million subscribed pursuant to the Subscription Agreements, the Agent will
receive approximately $340,000 in commissions upon the closing of the Private Placement.
The Company intends to contribute substantially
all of the proceeds (less commissions and other offering expenses and less an amount to be retained by the Company to pay future
expected holding company expenses) to First National Bank in Howell, the Company's wholly-owned bank subsidiary (the "Bank"),
in order to improve the Bank's capital levels.
The closing of the Private Placement is
subject to material conditions, including a condition regarding the existence and/or terms of any formal regulatory enforcement
action against the Bank and compliance by one or more investors with federal law applicable to the acquisition of "control"
of a bank holding company such as the Company. The satisfaction or waiver of these conditions is largely out of the control of
the Company. If the conditions to the closing of the Private Placement are not satisfied or waived, the closing of the Private
Placement will not occur.
The foregoing description of the material
terms of the Private Placement does not purport to be a complete description of the rights and obligations of the parties involved
and is qualified in its entirety by reference to the full text of the terms of the Subscription Agreements entered and the form
of Debenture to be issued by the Company.
Item
2.03	Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
The disclosure set forth under Item 1.01
of this Current Report on Form 8-K is incorporated in this Item 2.03 by reference.
The Debentures are not convertible into
any other security, including shares of Common Stock, and will mature on the eighth anniversary of their issuance. Each Debenture
provides that the Company will pay interest to the holder at an interest rate of 10% per annum on a quarterly basis. However, the
Company's obligation to make any payment of principal or interest will be subject to the Company's receipt of all regulatory approvals
then required. Any payment that is not made on the scheduled due date for such payment (but for this condition) will accrue interest
at the rate of 10% per annum. The Debentures will be subordinate to all senior indebtedness of the Company and its subsidiaries,
and will be unsecured obligations of the Company. The Company will be entitled to prepay any Debenture, in part or in whole, without
premium or penalty. Each Debenture contains customary events of default, including the Company's failure to pay principal and interest
when due (except as a result of the Company's failure to receive any regulatory approval then required) or in the event of any
bankruptcy or similar proceeding involving the Company.
Each Debenture also provides that holders
of a majority in principal amount of the outstanding Debentures will be entitled to appoint an agent (the "Enforcement Agent")
to represent all holders of Debentures upon an event of default. If an event of default occurs, the Enforcement Agent may declare
the principal amount of all outstanding Debentures to be due and payable immediately, as well as accrued and unpaid interest and
expenses of collection. A holder of a Debenture will be entitled to enforce its rights under the Debenture only if an Enforcement
Agent has not been appointed within 60 days following an event of default or, if an Enforcement Agent has been so appointed, the
Enforcement Agent fails to enforce the Company's obligations with respect to a continuing event of default within 90 days following
appointment.
Item
3.02	Unregistered Sales of Equity Securities
The disclosure set forth under Item 1.01
of this Current Report on Form 8-K is incorporated in this Item 3.02 by reference.
In connection with the Private Placement,
the Company relied upon the exemption from securities registration afforded by Rule 506 of Regulation D as promulgated by the Securities
and Exchange Commission under the Securities Act of 1933, as amended (the "Securities Act") and/or Section 4(2) of the
Securities Act. No general solicitation or advertising was employed in offering the Units. The Units were offered to a limited
number of persons, all of whom are accredited investors, and transfer of the securities will be restricted by the Company in accordance
with the requirements of the Securities Act.
SIGNATURES
Pursuant to the requirements
of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.
FNBH BANCORP, INC.
Dated: May 11, 2012
/s/ Mark Huber
By:
Mark Huber
Its:
Chief Financial Officer