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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 Bthio4ao3uDpjwJXADQjPIFJC6atdXbTQstSxMIAbNYi4wj53QTEPsJWhA4wSxvd
 fKbDucGw4yn3naoxOkMhOw==

<SEC-DOCUMENT>0001209191-03-012903.txt : 20030722
<SEC-HEADER>0001209191-03-012903.hdr.sgml : 20030722
<ACCEPTANCE-DATETIME>20030722160605
ACCESSION NUMBER:		0001209191-03-012903
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030721
FILED AS OF DATE:		20030722

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			MILLER MICHAEL JAMES
		CENTRAL INDEX KEY:			0001244348

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-30973
		FILM NUMBER:		03796579

	MAIL ADDRESS:	
		STREET 1:		2148 RUNNYMEDE BLVD
		CITY:			ANN ARBOR
		STATE:			MI
		ZIP:			48103

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MBT FINANCIAL CORP
		CENTRAL INDEX KEY:			0001118237
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				383516922
		STATE OF INCORPORATION:			MI
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		102 EAST FRONT STREET
		CITY:			MONROE
		STATE:			MI
		ZIP:			48161
		BUSINESS PHONE:		7342422893

	MAIL ADDRESS:	
		STREET 1:		102 EAST FRONT STREET
		CITY:			MONROE
		STATE:			MI
		ZIP:			48161
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>doc4.xml
<DESCRIPTION>FORM 4 SUBMISSION
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument>
    <schemaVersion>X0101</schemaVersion>

    <documentType>4</documentType><periodOfReport>2003-07-21</periodOfReport><notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
        <issuerCik>0001118237</issuerCik>
        <issuerName>MBT FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>MBTF</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId>
            <rptOwnerCik>0001244348</rptOwnerCik>
            <rptOwnerName>MILLER MICHAEL JAMES</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>  </rptOwnerStreet1>
            <rptOwnerStreet2>  </rptOwnerStreet2>
            <rptOwnerCity>  </rptOwnerCity>
            <rptOwnerState>  </rptOwnerState>
            <rptOwnerZipCode>  </rptOwnerZipCode>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
<isDirector>1</isDirector><isOfficer>0</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther></reportingOwnerRelationship></reportingOwner><nonDerivativeSecurity><securityTitle><value>Common Stock</value></securityTitle><transactionDate><value>2003-07-21</value></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>P</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>584</value></transactionShares><transactionValue><value>14.62</value></transactionValue><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>17160</value><footnoteId id="F1" /></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership>
<value>Michael J &amp; Carla M Miller Agency</value></natureOfOwnership></ownershipNature></nonDerivativeSecurity><footnotes><footnote id="F1">Total common stock owned is 20,794 shares: 17,160 shares owned indirectly by Michael J. &amp; Carla M. Miller Agency and 3,634 shares owned indirectly by wife's IRA.</footnote></footnotes><ownerSignature><signatureName>John L. Skibski
Attorney-in-fact</signatureName><signatureDate>2003-07-22</signatureDate></ownerSignature></ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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