Exhibit 99.0


                            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  September 30, 2002 as filed with the Securities
and Exchange Commission on the date hereof (the "Report"),  I, Charles G. Urtin,
Chief Executive Officer and Raymond G. Suchta, Chief Financial 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



/s/ Raymond G. Suchta
- ---------------------------------------
Raymond G. Suchta
Chief Financial Officer




November 12, 2002