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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 22, 2008
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 22, 2008, Registrant issued a press release announcing its results of
operations and financial condition for and as of the year ended December 31,
2007, unaudited. The press release is attached as Exhibit No. 99.1 and
incorporated herein by reference.
ITEM 7.01. REGULATION FD DISCLOSURE
On January 23, 2008, Registrant mailed a letter to shareholders reviewing its
2007 results and plans for 2008. The letter is attached as Exhibit 99.2.
ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS.
(d) Exhibits
The following exhibits are furnished herewith:
EXHIBIT
NUMBER EXHIBIT DESCRIPTION
- ------- -------------------
99.1 Press Release dated January 22, 2008 announcing Registrant's results
of operations and financial condition for and as of the year ended
December 31, 2007.
99.2 Letter to shareholders dated January 23, 2008 reviewing Registrant's
2007 results and plans for 2008.
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 23, 2008 By: /s/ H. Douglas Chaffin
------------------------------------
H. Douglas Chaffin
President and Chief Executive
Officer
EXHIBIT INDEX
EXHIBIT
NUMBER EXHIBIT DESCRIPTION
- ------- -------------------
99.1 Press Release dated January 22, 2008 announcing Registrant's results
of operations and financial condition for and as of the year ended
December 31, 2007.
99.2 Letter to shareholders dated January 23, 2008 reviewing 2007 results
and 2008 plans.