EXHIBIT 5


                               OPINION OF COUNSEL





(517) 371-8100

June 24, 2003



IBT Bancorp, Inc.
200 East Broadway
Mt. Pleasant, MI 48858

Gentlemen:

RE:       IBT Bancorp, Inc.
          Registration Statement on Form S-3

You have requested our opinion as counsel to IBT Bancorp, Inc., a Michigan
corporation, in connection with a Registration Statement filed with the
Securities and Exchange Commission under the Securities Act of 1933, as amended,
on Form S-3. The Registration Statement relates to the offering of 250,000
shares of IBT Bancorp, Inc. common stock to be issued to stockholders in
connection with the IBT Bancorp, Inc. Stockholder Dividend Reinvestment and
Employee Stock Purchase Plan.

Based upon such examination and upon examination of such other instruments and
records as we deem necessary, we are of the opinion that:

1.        The Corporation has been duly incorporated under the laws of the State
          of Michigan, and is validly existing and in good standing under the
          laws of that state.

2.        The 250,000 shares of common stock covered by this Registration
          Statement have been legally authorized; and when such shares have been
          duly delivered to stockholders against payment therefore as
          contemplated by the IBT Bancorp, Inc. Stockholder Dividend
          Reinvestment and Employee Stock Purchase Plan, such shares will be
          legally issued, fully paid and nonassessable.





IBT Bancorp, Inc.
Page 2
June 24, 2003


This opinion is furnished for use as an Exhibit to the Registration Statement.
We hereby consent to the filing of this opinion as an Exhibit to the
Registration Statement and to the reference to us in the Prospectus under the
heading "Legal Opinion".


/s/ Foster, Swift, Collins & Smith, P.C.
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FOSTER, SWIFT, COLLINS & SMITH, P.C.