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)        September 19, 2004
                                                 -------------------------------

                                IBT Bancorp, Inc.
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             (Exact name of registrant as specified in its charter)

                                    Michigan
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                 (State or other jurisdiction of incorporation)

            O-18415                                     38-2830092
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   (Commission File Number)                 (IRS Employer Identification No.)


         200 East Broadway, Mount Pleasant, Michigan          48858
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        (Address of principal executive offices)            (Zip code)

                                 (989) 772-9471
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              (Registrant's telephone number, including area code)


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:

/ /   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)).





Section 8 -- Other Events

Item 8.01 -- Other Events.

         On September 19, 2004, the Company's wholly-owned subsidiary, Isabella
Bank and Trust, announced the election of Ronald Schumacher as Chairman of
Isabella Bank and Trust's Board of Directors. The full text of the press release
is attached as Exhibit 99.1.

Section 9 -- Financial Statements and Exhibits

Item 9.01 -- Financial Statements and Exhibits.

(c)  Exhibits.  The following exhibits are furnished herewith:

Exhibit No.       Description

99.1 Press Release, dated September 19, 2004, announcing the election of Ronald
J. Schumacher.


                                   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 hereunto duly authorized, in the City of Mt. Pleasant, State of
Michigan, on September 20, 2004.

                                      IBT Bancorp, Inc.
                                      -----------------


                                      By:  /s/Dennis P. Angner
                                           -------------------------------------
                                           Dennis P. Angner,
                                           President and Chief Executive Officer





                                  EXHIBIT INDEX

99.1     Isabella Bank and Trust press release dated September 19, 2004.