EXHIBIT 99.1

EXHIBIT 99

                     FOR IMMEDIATE RELEASE - JANUARY 7, 2008

            MBT FINANCIAL CORP. ANNOUNCES CREDIT RELATED CHARGES AND
                SCHEDULE FOR EARNINGS RELEASE AND CONFERENCE CALL

MONROE, MICH., JANUARY 7, 2008 - MBT Financial Corp. (NASDAQ: MBTF) announced
today that it increased its provision for loan losses to $4.9 million in the
fourth quarter of 2007. This is compared to a provision of $1 million in the
third quarter of 2007 and $1.2 million in the fourth quarter of 2006. The
Company also recorded a charge of $600,000 to write down the value of other real
estate owned.

H. Douglas Chaffin, President & CEO, commented, "Michigan's overall economy
remains weaker than the rest of the country, and the real estate market in
southeast Michigan has shown recent signs of deterioration. We continue to
aggressively monitor the strength of our loan portfolios, and as a result
transferred a select number of our commercial loans into non-performing status
during the fourth quarter. Based on the recent weaknesses evident in our local
real estate market, we have taken a more conservative approach to evaluating the
underlying collateral of our entire loan portfolio necessitating the addition to
our reserves." Following the charges, the Company's capital level will remain
significantly above the minimum to be classified as "well capitalized" under
regulatory requirements.

MBT Financial Corp. also announced that it will release its fourth quarter 2007
earnings after the close of the market on Tuesday, January 22, 2008. The
earnings report will be available on the company's website, www.mbandt.com. The
company will also host an investor conference call to review the results on
Wednesday, January 23, 2008 at 10 a.m. Eastern. Participants are asked to call
(800) 860-2442 at least five minutes prior to the call. The call will also be
web cast on the company's website, www.mbandt.com. To access the webcast from
the MBT home page select "Investor Relations" and "Corporate Profile" for the
link to the web cast. The call will be archived on the company's website for
three months following the call. A replay will also be available two hours after
the conclusion of the call at (877) 344-7529, Passcode 414751. The replay will
be available until February 25, 2008.

MBT Financial Corp. (NASDAQ: MBTF), 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 full service community banks in
Southeast Michigan, with $1.5 billion in assets, offering personal and business
products and services, and complete credit options. MBT's Wealth Management
Group is one of the areas largest trust departments with over $800 Million in
assets under management.

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 www.mbandt.com.

FORWARD-LOOKING STATEMENTS

Certain statements contained herein are not based on historical facts and are
"forward-looking statements" within the meaning of Section 21A of the Securities
Exchange Act of 1934. Forward-looking statements which are based on various
assumptions (some of which are beyond the Company's control), may be identified
by reference to a future period or periods, or by the use of forward-looking
terminology, such as "may," "will," "believe," "expect," "estimate,"
"anticipate," "continue," or similar terms or variations on those terms, or the
negative of these terms. Actual results could differ materially from those set
forth in forward-looking statements, due to a variety of factors, including, but
not limited to, those related to the economic environment, particularly in the
market areas in which the Company operates, competitive products and pricing,
fiscal and



monetary policies of the U.S. Government, changes in government regulations
affecting financial institutions, including regulatory fees and capital
requirements, changes in prevailing interest rates, acquisitions and the
integration of acquired businesses, credit risk management, asset/liability
management, change in the financial and securities markets, including changes
with respect to the market value of our financial assets, the availability of
and costs associated with sources of liquidity, and the ability of the Company
to resolve or dispose of problem loans. The Company undertakes no obligation to
update or clarify forward-looking statements, whether as a result of new
information, future events or otherwise.