UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

o

Rule 13d-1(b)

x

Rule 13d-1(c)

o

Rule 13d-1(d)

CUSIP No. 090319401

1

Names of Reporting Persons
Julia L. Johnson

2

Check the Appropriate Box if a Member of a Group (See Instructions)

(a)

o

(b)

o

3

SEC Use Only

4

Citizenship or Place of Organization
USA

Number of
Shares
Beneficially
Owned by
Each
Reporting
Person With:

5

Sole Voting Power
712,265

6

Shared Voting Power
-0-

7

Sole Dispositive Power
712,265

8

Shared Dispositive Power
-0-

9

Aggregate Amount Beneficially Owned by Each Reporting Person
712,265

10

Check Box if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions)  o

11

Percent of Class Represented by Amount in Row (9)
6.1%

12

Type of Reporting Person (See Instructions)
IN-Individual

Item 1.

(a)

Name of Issuer
BIMINI CAPITAL MANAGEMENT, INC.

(b)

Address of Issuer’s Principal Executive Offices
3305 Flamingo Drive, Vero Beach, Florida 32963

Item 2.

(a)

Name of Person Filing
JULIA L. JOHNSON

(b)

Address of Principal Business Office or, if none, Residence
5169 Latrobe Drive, Windermere, FL 34786

(c)

Citizenship
USA

(d)

Title and Class of Securities
Class A Common Stock, $0.001 par value

(e)

CUSIP No.:
090319401

Item 3.

If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:

(a)

o

Broker or dealer registered under section 15 of the Act;

(b)

o

Bank as defined in section 3(a)(6) of the Act;

(c)

o

Insurance company as defined in section 3(a)(19) of the Act;

(d)

o

Investment company registered under section 8 of the Investment Company Act of 1940;

(e)

o

An investment adviser in accordance with Rule 13d-1(b)(1)(ii)(E);

(f)

o

An employee benefit plan or endowment fund in accordance with Rule 13d-1(b)(1)(ii)(F);

(g)

o

A parent holding company or control person in accordance with Rule 13d-1(b)(1)(ii)(G);

(h)

o

A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);

(i)

o

A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940;

(j)

o

A non-U.S. institution in accordance with Rule 240.13d-1(b)(1)(ii)(J);

(k)

o

Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K). If filing as a non-U.S. institution in accordance with Rule 240.13d-1(b)(1)(ii)(J), please specify the type of institution:____________________________

Item 4.

Ownership

(a)

Amount beneficially owned:   

712,265

(b)

Percent of class:   

6.1%

(c)

Number of shares as to which such person has:

(i)

Sole power to vote or to direct the vote:

712,265

(ii)

Shared power to vote or to direct the vote:

-0-

(iii)

Sole power to dispose or to direct the disposition of:

712,265

(iv)

Shared power to dispose or to direct the disposition of:

-0-

Item 5.

Ownership of Five Percent or Less of a Class.

Not Applicable

Item 6.

Ownership of More than Five Percent on Behalf of Another Person.

Not applicable

Item 7.

Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on By the Parent Holding Company or Control Person.

Not Applicable

Item 8.

Identification and Classification of Members of the Group.

Not Applicable

Item 9.

Notice of Dissolution of Group.

Not Applicable

Item 10.

Certifications.

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under § 240.14a-11.

Dated: January 15, 2020

/s/ Julia L. Johnson

Julia L. Johnson