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                                  EXHIBIT 23(B)


                   CONSENT OF ANDREWS, HOOPER & PAVLIK, P.L.C.

                                                       

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                                Exhibit 23(b)



                  CONSENT OF ANDREWS HOOPER & PAVLIK, P.L.C.




        We hereby consent to the incorporation by reference in this
Registration Statement on Form S-3 of our report dated February 2, 1996, which
appears on page 30 of the annual report on Form 10-K of IBT Bancorp, Inc. for
the year ended December 31, 1997.



                                                ANDREWS HOOPER & PAVLIK, P.L.C.


Saginaw, Michigan 

May 18, 1998