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                                  EXHIBIT 99(B)



                               AUTHORIZATION CARDS


                                                   

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                                IBT BANCORP, INC.

Stockholder Dividend
Reinvestment and Employee Stock
Purchase Plan Authorization
   Card         SH
   ---------------
So that we may identify your 
account, please PRINT your name 
and address below in addition to 
signing the card.

- - ------------------------------

- - ------------------------------

- - ------------------------------

I hereby appoint the Plan Administrator of the IBT Bancorp, Inc. Stockholder
Dividend Reinvestment and Employee Stock Purchase Plan as my agent under the
terms and conditions of the Stockholder Dividend Reinvestment and Employee Stock
Purchase Plan as described in the Prospectus of the Plan which accompanied this
card to receive and apply to the purchase of shares without charge as provided
in the Plan the following:

|_| 1. Full Dividend Reinvestment - any dividends that may become payable to me
on all IBT Bancorp, Inc. Common Stock now or hereafter registered to me.

|_| 2. Partial Dividend Reinvestment - any dividends that m ay become payable to
me on the following shares of my IBT Bancorp, Inc. Common Stock. SH

I understand that I may change or revoke this authorization at any time by
notifying the Plan Administrator, in writing, of my desire to change or withdraw
my participation.

Date
    -----------------------------
Stockholder
           ----------------------
Stockholder
           ----------------------

                           ALL JOINT OWNERS MUST SIGN.

                                  INSTRUCTIONS

 1. Please check only one of the boxes (No. 1 or No. 2). If you do not check any
    box, Full Dividend Reinvestment will be assumed.

 2. If you check Box 2, and:

    -    If you wish to reinvest cash dividends on all of the shares now
         registered in your name but not on any additional shares that may be
         registered in your name in the future, write the total number of shares
         registered in your name in the space provided.

    -    If you wish to reinvest cash dividends on less than all of the shares
         now registered in your name and continue to receive a cash dividend on
         the remaining shares, write the number of shares on which you wish
         dividends reinvested in the space provided.

 3. Under each of the options, regardless of the one you select, dividends
    received on shares accumulated and held under the Plan will be reinvested.

 4. Be sure to date and sign the card and return it to IBT Bancorp, Inc. 200
    East Broadway, Mt. Pleasant, Michigan, 48858, Attention: Plan Administrator
    of the IBT Bancorp, Inc. Stockholder Dividend Reinvestment and Employee
    Stock Purchase Plan.


                                                             

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                                IBT BANCORP, INC.


Stockholder Dividend
Reinvestment and Employee Stock
Purchase Plan Authorization
     Card       EE
     -------------

So that we may identify your 
account, please PRINT your name 
and address below in addition to 
signing the card.

- - -------------------------

- - -------------------------

- - -------------------------


I hereby appoint the Plan Administrator of the IBT Bancorp, Inc. Stockholder
Dividend Reinvestment and Employee Stock Purchase Plan as my agent under the
terms and conditions of the Stockholder Dividend Reinvestment and Employee Stock
Purchase Plan as described in the Prospectus of the Plan which accompanied this
card to receive and apply to the purchase of shares without charge as provided
in the Plan the following:

$         of my bi-weekly payroll check from                 (Name of Employer)
 --------                                    ----------------

I acknowledge that amounts deducted from my payroll checks will be subject to
all applicable federal, state and local taxes even though I do not actually
receive the deducted amount but, instead, it is applied to the purchase of
Common Stock.

I acknowledge that dividends received on shares held in my Plan account will
automatically be reinvested in additional Common Stock.

I understand that this authorization card will continue in effect without
further action on my part, until I change or revoke it. I may change or revoke
this authorization at any time by notifying the Plan Administrator, in writing,
of my desire to change or withdraw my participation. However, I also understand
that my request to change or withdraw my participation will be effective as of
my next regular payroll check only if my employer receives notice thereof not
less than 96 hours before payroll checks are distributed.

Date
    -----------------------
Employee
        -------------------

Be sure to date and sign the card and return it to IBT Bancorp, Inc., 200 East
Broadway, Mt. Pleasant, Michigan, 48858, Attention: Plan Administrator of the
IBT Bancorp, Inc. Stockholder Dividend Reinvestment and Employee Stock Purchase
Plan.