EXHIBIT 23

                         CONSENT OF INDEPENDENT AUDITORS


         We consent to the incorporation by reference in the Registration
         Statement (Form S-3 No. 33-61590) pertaining to the Dividend
         Reinvestment Plan and (Form S-8 No. 33-61596) pertaining to the
         Employees' Stock Purchase Plan of IBT Bancorp, of our report dated
         January 31, 2003, which appears on page 28 of this Annual Report (Form
         10-K) for the years ended December 31, 2002, 2001 and 2000.




         Rehmann Robson
         Saginaw, Michigan
         March 24, 2003








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