EXHIBIT 99
                              FOR IMMEDIATE RELEASE
                                 January 5, 2006

               MBT FINANCIAL CORP. ANNOUNCES SHARE REPURCHASE PLAN

MONROE, MICH., JANUARY 5, 2006 - MBT Financial Corp. (NASDAQ: MBTF) announced
today that its Board of Directors authorized the repurchase of up to 2 million
shares of its common stock. This represents 11.6% of the company's outstanding
common shares. Repurchases may be conducted from time to time in the open market
or through privately negotiated transactions. This authorization expires
December 31, 2006 and replaces the previous authorization to repurchase up to 2
million shares which expired on December 31, 2005. Under that authorization,
336,220 shares were purchased in privately negotiated block transactions and
28,200 shares were purchased on the open market.

"This share repurchase plan demonstrates MBT Financial Corp.'s commitment to
enhancing shareholder value and utilizing the company's capital in an efficient
manner," stated Doug Chaffin, President & CEO of MBT Financial Corp. and Monroe
Bank & Trust.

MBT Financial Corp., a single bank holding company headquartered in Monroe,
Michigan is the parent company of Monroe Bank & Trust (MBT). Founded in 1858,
MBT is one of the largest community banks in Southeast Michigan, with more than
$1.6 billion in assets. MBT is a full service bank offering personal and
business accounts and complete credit options, and MBT's Wealth Management Group
is one of the area's largest. With 26 offices, 38 ATMs, PhoneLink telephone
banking and eLink online banking, MBT prides itself on an incomparable level of
service and access for its customers. Visit MBT's web site at
http://www.mbandt.com.