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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): JULY 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 7.01. REGULATION FD DISCLOSURE.
On July 22, 2008, Registrant mailed a letter to its shareholders providing
commentary on its results for the quarter and six months ended June 30, 2008.
The letter is attached as Exhibit No. 99 and incorporated herein by reference.
ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS.
(c) Exhibits
The following exhibits are furnished herewith:
EXHIBIT
NUMBER EXHIBIT DESCRIPTION
- ------- -------------------
99 Letter to shareholders dated July 22, 2008 providing commentary on the
Registrant's results for the quarter and six months ended June 30,
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: July 22, 2008 By: /s/ H. Douglas Chaffin
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H. Douglas Chaffin
President and Chief Executive
Officer