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  on Form  10-K for the year  ended
December 31, 2004 (the "Report") of IBT Bancorp,  Inc. (the  "Company") as filed
with the Securities and Exchange  Commission on the date hereof,  we, Charles G.
Urtin,  President  and Chief  Executive  Officer,  and Raymond G. Suchta,  Chief
Financial Officer,  certify,  pursuant to 18 U.S.C. ss.1350, as adopted pursuant
to ss.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.



/s/ Charles G. Urtin                      /s/ Raymond G. Suchta
- -------------------------------------     --------------------------------------
Charles G. Urtin                          Raymond G. Suchta
President and Chief Executive Officer     Chief Financial Officer
                                         (Principal Financial and Accounting
                                          Officer)



March 16, 2005