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, 2004 as filed with the Securities
and  Exchange  Commission  on the date  hereof,  we,  Charles  G.  Urtin,  Chief
Executive  Officer,  and Raymond A. 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 A. Suchta
- --------------------------------              ----------------------------------
Charles G. Urtin                              Raymond A. Suchta
Chief Executive Officer                       Chief Financial Officer




November 5, 2004