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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): December 14, 2005


                                IBT BANCORP, INC.
             (Exact name of registrant as specified in its charter)

                                    MICHIGAN
                 (State or other jurisdiction of incorporation)



        0-18415                                             38-2830092
(Commission File Number)                       (IRS Employer Identification No.)



                   200 East Broadway, Mt. Pleasant, Michigan           48858
                   (Address of principal executive offices)          (Zip Code)


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

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))
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ITEM 8.01         OTHER EVENTS.

On December 14, 2005, the registrant's Board of Directors declared a 10% stock
dividend. A copy of the press release announcing the declaration of the stock
dividend is furnished with this Form 8-K as Exhibit 99.

ITEM 9.01         FINANCIAL STATEMENTS AND EXHIBITS.

(c)      The following exhibits are included with this Report:

         99       Press release.

                                   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.

Dated:  December 16, 2005               IBT BANCORP, INC.


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






                                  EXHIBIT INDEX




Exhibit Number             Description
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Exhibit 99                 Press release