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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): July 28, 2004
IBT BANCORP, INC.
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(Exact name of Registrant as specified in its Charter)
Pennsylvania 1-31655 25-1532164
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(State or other jurisdiction (Commission (IRS Employer
of incorporation) File Number) Identification No.)
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)
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Item 7. Financial Statements and Exhibits
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(c) Exhibits
Exhibit 99.1 -- Press Release dated July 28, 2004.
Item 12. Results of Operation and Financial Condition
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On July 28, 2004, the Registrant issued a press release to report its
results of operations for the quarter and six months ended June 30, 2004. A copy
of the press release is furnished with this Form 8-K as an exhibit.
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: July 28, 2004 By: /s/Charles G. Urtin
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Charles G. Urtin
President and
Chief Executive Officer