EXHIBIT 99.2


                               AUTHORIZATION CARDS



                                                IBT BANCORP, INC.

     Stockholder Dividend           I hereby appoint the Plan Administrator of
Reinvestment and Employee Stock     the IBT Bancorp, Inc. Stockholder Dividend
  Purchase Plan Authorization       Reinvestment and Employee Stock Purchase
       Card          SH             Plan as my agent under the terms and
     --------------------           conditions of the Stockholder Dividend
So that we may identify your        Reinvestment and Employee Stock Purchase
account, please PRINT your name     Plan as described in the Prospectus of the
and address below in addition to    Plan which accompanied this card to receive
signing the card.                   and apply to the purchase of shares without
                                    charge as provided in the Plan the
                                    following:

                                    9 1. Full Dividend Reinvestment - any
                                    dividends that may become payable to me on
                                    all IBT Bancorp, Inc. Common Stock now or
                                    hereafter registered to me.

                                    9 2. Partial Dividend Reinvestment - any
                                    dividends that may become payable to me on
                                    the following shares of my IBT Bancorp, Inc.
                                    Common Stock.               Shs
                                    I understand that I may change or revoke
                                    this authorization at any time by notifying
                                    the Plan Administrator, in writing, of my
                                    desire to change or withdraw my
                                    participation.

                                    Date
                                    Stockholder
                                    Stockholder
                                                     ALL JOINT OWNERS MUST SIGN.


                                  INSTRUCTIONS

1.       Please check only one of the boxes (No. 1 or No. 2). If you do not
         check any box, Full Dividend Reinvestment will be assumed.

2.       If you check Box 2, and:
                           -If you wish to reinvest cash dividends on all of the
                  shares now registered in your name but not on any additional
                  shares that may be registered in your name in the future,
                  write the total number of shares registered in your name in
                  the space provided.
                           -If you wish to reinvest cash dividends on less than
                  all of the shares now registered in your name and continue to
                  receive a cash dividend on the remaining shares, write the
                  number of shares on which you wish dividends reinvested in the
                  space provided.

3.       Under each of the options, regardless of the one you select, dividends
         received on shares accumulated and held under the Plan will be
         reinvested.

4.       Be sure to date and sign the card and return it to IBT Bancorp, Inc.
         200 East Broadway, Mt. Pleasant, Michigan, 48858, Attention: Plan
         Administrator of the IBT Bancorp, Inc. Stockholder Dividend
         Reinvestment and Employee Stock Purchase Plan.

                                                 IBT BANCORP, INC.

     Stockholder Dividend           I hereby appoint the Plan Administrator of
Reinvestment and Employee Stock     the IBT Bancorp, Inc. Stockholder Dividend
  Purchase Plan Authorization       Reinvestment and Employee Stock Purchase
       Card          EE             Plan as my agent under the terms and
     --------------------           conditions of the Stockholder Dividend
So that we may identify your        Reinvestment and Employee Stock Purchase
account, please PRINT your name     Plan as described in the Prospectus of the
and address below in addition to    Plan which accompanied this card to receive
signing the card.                   and apply to the purchase of shares without
                                    charge as provided in the Plan the
                                    following:

                                    $__________ of my periodic compensation
                                    check from ________________________________
                                    (Name of Employer)

                                    I acknowledge that amounts deducted from my
                                    compensation checks will be subject to all
                                    applicable federal, state and local taxes
                                    even though I do not actually receive the
                                    deducted amount but, instead, it is applied
                                    to the purchase of Common Stock.

                                    I acknowledge that dividends received on
                                    shares held in my Plan account will
                                    automatically be reinvested in additional
                                    Common Stock.

                                    I understand that this authorization card
                                    will continue in effect without further
                                    action on my part, until I change or revoke
                                    it. I may change or revoke this
                                    authorization at any time by notifying the
                                    Plan Administrator, in writing, of my desire
                                    to change or withdraw my participation.
                                    However, I also understand that my request
                                    to change or withdraw my participation will
                                    be effective as of my next regular
                                    compensation check only if my employer
                                    receives notice thereof not less than 96
                                    hours before compensation checks are
                                    distributed.

                                    Date
                                    Employee

                                    Be sure to date and sign the card and return
                                    it to IBT Bancorp, Inc., 200 East Broadway,
                                    Mt. Pleasant, Michigan, 48858, Attention:
                                    Plan Administrator of the IBT Bancorp, Inc.
                                    Stockholder Dividend Reinvestment and
                                    Employee Stock Purchase Plan.