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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): OCTOBER 18, 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             (IRS Employer
of incorporation)                      File No.)             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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                      INFORMATION TO BE INCLUDED IN REPORT
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ITEM 8.01.  OTHER EVENTS.
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         On October 18, 2006, the Registrant announced a two-for-one stock split
to be effected through the payment of a 100% stock dividend on November 16, 2006
to  stockholders  of record on October  27,  2006.  On  October  18,  2006,  the
Registrant also announced the declaration of its regular quarterly cash dividend
of $.50 per share  payable  on  November  8, 2006 to  stockholders  of record on
October 27, 2006.

         For further details, reference is made to a Press Release dated October
18, 2006,  which is attached hereto as Exhibit 99.1 and  incorporated  herein by
this reference.


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

                  Exhibit 99.1  Press Release, dated October 18, 2006.

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                                   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 18, 2006                By: /s/ Raymond G. Suchta
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                                           Raymond G. Suchta
                                           Chief Financial Officer


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