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  Annual  Report  of IBT  Bancorp,  Inc.  (the
"Company") on Form 10-K for the year ended  December 31, 2002 (the  "Report") as
filed with the  Securities  and  Exchange  Commission  on the date  hereof,  we,
Charles  G.  Urtin,  Chief  Executive  Officer,  and  Raymond G.  Suchta,  Chief
Financial  Officer,  certify,  pursuant to 18 U.S.C.  Section  1350,  as adopted
pursuant to Section 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                             /s/Raymond G. Suchta
- ------------------------------                  --------------------------------
Charles G. Urtin                                Raymond G. Suchta
Chief Executive Officer                         Chief Financial Officer




March 12, 2003