UNITED STATES
                       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): JANUARY 13, 2005




                               MBT FINANCIAL CORP.
             (Exact name of registrant as specified in its charter)

          MICHIGAN                      000-30973                 38-3516922
 (State or other jurisdiction          (Commission              (IRS Employer
        of incorporation)              File Number)          Identification No.)


       102 EAST FRONT STREET, MONROE, MICHIGAN                       48161

       (Address of principal executive offices)                   (Zip Code)

       Registrant's telephone number, including area code: (734) 241-3431



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




Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[ ]     Written communications pursuant to Rule 425 under the Securities Act
        (17 CFR 230.425)

[ ]     Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17
        CFR 240.14a-12)

[ ]     Pre-commencement communications pursuant to Rule 14d-2(b) under the
        Exchange Act (17 CFR 240.14d-2(b))

[ ]     Pre-commencement communications pursuant to Rule 13e-4(c) under the
        Exchange Act (17 CFR 240.13e-4(c))







ITEM 2.02.        RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

On January 13, 2005, Registrant issued a press release announcing its results of
operations and financial condition for and as of, respectively, the three and
twelve month periods ended December 31, 2004, unaudited. The press release is
attached as Exhibit No. 99 and incorporated herein by reference.


ITEM 9.01.        FINANCIAL STATEMENTS AND EXHIBITS.

(c)      Exhibits

The following exhibits are furnished herewith:



EXHIBIT
NUMBER            EXHIBIT DESCRIPTION
- ------            -------------------
               

99                Press Release dated January 13, 2005 announcing Registrant's
                  results of operations and financial condition for and as of
                  the fiscal periods ended December 31, 2004.




                                   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 thereunto duly authorized

                                          MBT FINANCIAL CORP.


Date: January 14, 2005
                                    By:   /s/ H. Douglas Chaffin
                                          --------------------------
                                          H. Douglas Chaffin
                                          President and Chief Executive Officer








                                  EXHIBIT INDEX




EXHIBIT
NUMBER            EXHIBIT DESCRIPTION
- ------            -------------------
               

99                Press Release dated January 13, 2005 announcing Registrant's
                  results of operations and financial condition for and as of
                  the fiscal periods ended December 31, 2004.