EXHIBIT 23



                         CONSENT OF INDEPENDENT AUDITORS



We hereby consent to the incorporation by reference into the Company's
registration statement on Form S-8, filed with the Commission on August 16,
2001, and the Company's registration statement on Form S-8, filed with the
Commission on May 30, 2003, of our report dated February 2, 2004 on the
consolidated balance sheet of MBT Financial Corp. (the "Company") as of December
31, 2003, and the related consolidated statements of income, changes in
shareholders' equity, and cash flows for the years then ended, which report is
included in the Company's Annual Report on Form 10-K for the year ended December
31, 2003.



Plante & Moran, PLLC

Auburn Hills, Michigan
March 12, 2004
















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