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)
October 23, 2003
IBT Bancorp, Inc.
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(Exact name of Registrant as specified in its Charter)
Pennsylvania 0-25903 25-1532164
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(State or other jurisdiction (Commission (IRS Employer
of incorporation) File Number) Identification Number)
309 Main Street, Irwin, Pennsylvania 15642
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (724) 863-3100
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Not Applicable
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(Former name or former address, if changed since last Report)
INFORMATION TO BE INCLUDED IN REPORT
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Item 7. Financial Statements, Pro Forma Financial
Information and Exhibits
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(c) Exhibits:
99.1 Press Release dated October 23, 2003
Item 12. Results of Operation and Financial Condition
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On October 23, 2003, the Registrant issued a press release to report
results of operations for the quarter ended September 30, 2003. A copy of the
press release is furnished with this Form 8-K as an exhibit.
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SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned, hereunto duly authorized.
IBT Bancorp, Inc.
Date: October 23, 2003 By: /s/Charles G. Urtin
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Charles G. Urtin
President and Chief Executive Officer