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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 19, 2006



                               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))



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ITEM 2.02.        RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

On July 19, 2006, Registrant issued a press release announcing its results of
operations and financial condition for and as of the three and six month periods
ended June 30, 2006, unaudited. The press release 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:

<Table>
<Caption>
EXHIBIT
NUMBER                     EXHIBIT DESCRIPTION
-------                    -------------------
<S>                        <C>

99                         Press Release dated July 19, 2006 announcing
                           Registrant's results of operations and financial
                           condition for and as of the three and six months
                           ended June 30, 2006.


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                                   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 19, 2006                 By:  /s/ H. Douglas Chaffin
                                           ---------------------------
                                           H. Douglas Chaffin
                                           President and Chief Executive Officer




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                                  EXHIBIT INDEX


<Table>
<Caption>
EXHIBIT
NUMBER                     EXHIBIT DESCRIPTION
-------                    -------------------
<S>                        <C>
99                         Press Release dated July 19, 2006 announcing
                           Registrant's results of operations and financial
                           condition for and as of the three and six months
                           ended June 30, 2006.

</Table>