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)        May 9, 2004
                                                 ----------------------------

                                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)

             0-18415                             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, Pro Forma Financial Information and Exhibits


         The following exhibit is filed as part of this report.

         Exhibit 99.1  IBT Bancorp, Inc. press release dated May 9, 2004.

Item 12.  Results of Operations and Financial Condition

         On May 9, 2004, IBT Bancorp, Inc., a Michigan corporation, (the
"Corporation"), issued an earnings press release announcing first quarter
results for the first quarter of 2004, which press release is attached as
Exhibit 99.1 hereto and is hereby incorporated herein by reference.

         The information in this current report on Form 8-K and the exhibit
attached hereto shall not be deemed to be filed for purposes of Section 18 of
the Securities Exchange Act of 1934, as amended.








                                   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 May 9, 2004.

                                IBT Bancorp, Inc.



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













                                  EXHIBIT INDEX

99.1     IBT Bancorp, Inc. press release dated May 9, 2004.