SECTION 302 CERTIFICATION

     I, Raymond G. Suchta,  Vice President and Chief Financial Officer,  certify
that:

1. I have reviewed this annual report on Form 10-K of IBT Bancorp, Inc.;

2. Based on my knowledge, this report does not contain any untrue statement of a
material fact or omit to state a material fact  necessary to make the statements
made, in light of the  circumstances  under which such statements were made, not
misleading with respect to the period covered by this report;

3.  Based  on my  knowledge,  the  financial  statements,  and  other  financial
information included in this report, fairly present in all material respects the
financial  condition,  results of operations and cash flows of the registrant as
of, and for, the periods presented in this report;

4.  The  registrant's  other  certifying  officer  and  I  are  responsible  for
establishing and maintaining  disclosure  controls and procedures (as defined in
Exchange Act Rule 13a-15(e)) and internal  control over financial  reporting (as
defined in Exchange Act Rule 13a-15(f)) for the registrant and have:

          (a) Designed such disclosure  controls and procedures,  or caused such
disclosure  controls and  procedures to be designed  under our  supervision,  to
ensure that  material  information  relating to the  registrant,  including  its
consolidated subsidiaries,  is made known to us by others within those entities,
particularly during the period in which this report is being prepared;

          (b) Designed such internal control over financial reporting, or caused
such  internal  control  over  financial  reporting  to be  designed  under  our
supervision,  to provide  reasonable  assurance  regarding  the  reliability  of
financial  reporting and the  preparation  of financial  statements for external
purposes in accordance with generally accepted accounting principles;

          (c)  Evaluated  the  effectiveness  of  the  registrant's   disclosure
controls and procedures and presented in this report our  conclusions  about the
effectiveness  of the disclosure  controls and procedures,  as of the end of the
period covered by this report based on such evaluation; and

          (d) Disclosed in this report any change in the  registrant's  internal
control over  financial  reporting (as defined in Exchange Act Rules  13a-15(f))
that  occurred  during the  registrant's  most recent  fiscal  quarter  that has
materially  affected,   or  is  reasonably  likely  to  materially  affect,  the
registrant's internal control over financial reporting; and

5. The issuer's other certifying officer and I have disclosed, based on our most
recent evaluation of internal control over financial reporting,  to the issuer's
auditors and the audit  committee of the issuer's board of directors (or persons
performing the equivalent functions):

          (a) All significant deficiencies and material weaknesses in the design
or operation of internal  control over financial  reporting which are reasonably
likely to adversely  affect the issuer's ability to record,  process,  summarize
and report financial information; and

          (b) Any fraud,  whether or not material,  that involves  management or
other  employees who have a significant  role in the issuer's  internal  control
over financial reporting.

Date:  March 16, 2005          /s/ Raymond G. Suchta
                               -------------------------------------------------
                               Raymond G. Suchta
                               Chief Financial Officer