================================================================================

                                  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 27, 2005
                                                  ----------------



                                IBT BANCORP, INC.
- --------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)


         Pennsylvania                  1-31655                    25-1532164
- --------------------------------------------------------------------------------
(State or other jurisdiction      (Commission File              (IRS Employer
of incorporation)                      Number)               Identification No.)


309 Main Street, Irwin, Pennsylvania                                 15642
- --------------------------------------------------------------------------------
(Address of principal executive offices)                          (Zip Code)


Registrant's telephone number, including area code:  (724) 863-3100
                                                     --------------


                                 Not Applicable
- --------------------------------------------------------------------------------
          (Former name or former address, if changed since last report)

Check  the  appropriate  box  below  if the  Form  8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below)

[ ]     Written communications pursuant to Rule 425 under the Securities Act
        (17 CFR 230.425)

[ ]     Soliciting material pursuant to Rule 14a-12 under the Exchange Act
        (17 CFR 240.14a-12)

[ ]     Pre-commencement communications pursuant to Rule 14d-2(b) under the
        Exchange Act (17 CFR 240.14d-2(b))

[ ]     Pre-commencement communications pursuant to Rule 13e-4(c) under the
        Exchange Act (17 CFR 240.13e-4(c)).

================================================================================







                                IBT BANCORP, INC.

                      INFORMATION TO BE INCLUDED IN REPORT
                      ------------------------------------


Item 2.02.  Results of Operations and Financial Condition
- ---------------------------------------------------------

     On October 27, 2005, the Registrant  issued a press release  announcing its
results of operations for the quarter and nine months ended  September 30, 2005.
A copy of the press release is furnished with this report as exhibit 99.1.

Item 9.01. Financial Statements and Exhibits
- --------------------------------------------

         (c) Exhibits:

             The following exhibits are furnished herewith.

             99.1     Press Release, dated October 27, 2005









                                   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 27, 2005            By:  /s/ Charles G. Urtin
                                        ----------------------------------------
                                        Charles G. Urtin
                                        President and Chief Executive Officer
                                        (Duly Authorized Representative)