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): MARCH 24, 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


                                       N/A

         (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 5.02  DEPARTURE OF DIRECTORS OR PRINCIPAL OFFICERS; ELECTION OF DIRECTORS;
           APPOINTMENT OF PRINCIPAL OFFICERS.

The Board of Directors of MBT Financial Corp. accepted the retirement of Richard
A. Sieb as a director at its March 24, 2005 meeting. Mr. Sieb's retirement will
be effective May 5, 2005, the date of MBT Financial Corp.'s annual meeting of
shareholders.






                                   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: March 25, 2005
                                          By:   /s/  John L. Skibski
                                                -------------------------------
                                                John L. Skibski
                                                Executive Vice President and
                                                Chief Financial Officer