CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002



In connection with the Quarterly Report of IBT Bancorp,  Inc. (the "Company") on
Form 10-Q for the period ending June 30, 2002 as filed with the  Securities  and
Exchange  Commission  on the date hereof (the  "Report"),  I,  Charles G. Urtin,
Chief Executive Officer and Chief Accounting  Officer,  certify,  pursuant to 18
U.S.C.  ss. 1350, as adopted  pursuant to ss. 906 of the  Sarbanes-Oxley  Act of
2002, that:

         (1) The Report fully complies with the requirements of section 13(a) or
15(d) of the Securities Exchange Act of 1934; and

         (2) The  information  contained in the Report fairly  presents,  in all
material  respects,  the  financial  condition  and results of operations of the
Company.



/s/Charles G. Urtin
- --------------------------------
Charles G. Urtin
Chief Executive Officer and Chief Accounting  Officer




August 12, 2002