CERTIFICATION PURSUANT TO
                               18 U.S.C. ss.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 quarter ended  September 30, 2003 (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. ss.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) 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.



Date: November 12, 2003



/s/Charles G. Urtin                                  /s/Raymond G. Suchta
- -----------------------                              -----------------------
Charles G. Urtin                                     Raymond G. Suchta
President and Chief Executive Officer                Chief Financial Officer



A signed  original of this  written  statement  required by Section 906 has been
provided to the Company and will be retained by the Company and furnished to the
Securities and Exchange Commission or its staff upon request.