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)        November 3, 2003
                                               --------------------------------

                                IBT Bancorp, Inc.
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             (Exact name of registrant as specified in its charter)

                                    Michigan
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                 (State or other jurisdiction of incorporation)

           O-18415                                      38-2830092
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   (Commission File Number)                  (IRS Employer Identification No.)


       200 East Broadway, Mount Pleasant, Michigan           48858
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         (Address of principal executive offices)         (Zip code)

                                 (989) 772-9471
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              (Registrant's telephone number, including area code)



         (Former name or former address, if changed since last report.)













FORM 8-K
IBT BANCORP, INC.

Item 7.  Financial Statements and Exhibits

         The following exhibit is filed as part of this report.

         Exhibit 99.1  IBT Bancorp, Inc. press release dated November 2, 2003.

Item 9.  Regulation FD Disclosure

         This information, furnished under this "Item 9. Regulation FD
Disclosures," is intended to be provided under "Item 12. Disclosure of Results
of Operations and Financial Condition," in accordance with U.S. Securities and
Exchange Commission Release No. 33-8216.

         On November 2, 2003, IBT Bancorp, Inc., a Michigan corporation, (the
"Corporation"), issued an earnings press release announcing third quarter
results for the third quarter of 2003, which press release is attached as
Exhibit 99.1 hereto and is hereby incorporated herein by reference.

                                   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, in the City of Mt. Pleasant, State of
Michigan, on November 3, 2003.

                                       IBT Bancorp, Inc.
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                                      By:  /s/Dennis P. Angner
                                           -------------------------------------
                                               Dennis P. Angner, President and
                                               Chief Executive Officer











                                  EXHIBIT INDEX

99.1     IBT Bancorp, Inc. press release dated November 2, 2003.