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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 17, 2006
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                                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 File           (IRS Employer
of incorporation)                     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)

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)).

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                                IBT BANCORP, INC.

                      INFORMATION TO BE INCLUDED IN REPORT


ITEM 2.02.  RESULTS OF OPERATIONS AND FINANCIAL CONDITION
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         On July 17, 2006, the Registrant issued a press release  announcing its
results of operations for the quarter and six months ended June 30, 2006. A copy
of the press release is furnished with this report as exhibit 99.1.

ITEM 9.01.  FINANCIAL STATEMENTS AND EXHIBITS
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         (c) Exhibits:

                  99.1     Press Release, dated July 17, 2006









                                   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 17, 2006                   By: /s/ Charles G. Urtin
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                                          Charles G. Urtin
                                          President and Chief Executive Officer
                                          (Duly Authorized Representative)