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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,
 PHHfMSu1NpPNDARQM3UDTguHmn9HjcmHBc9HEAJrvZpxyofxNhAGWWxmd1xGXNUA
 dqlFXt2D+Fky3BEQ4SMbHw==

<SEC-DOCUMENT>0001209191-03-020997.txt : 20030910
<SEC-HEADER>0001209191-03-020997.hdr.sgml : 20030910
<ACCEPTANCE-DATETIME>20030910173356
ACCESSION NUMBER:		0001209191-03-020997
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030630
FILED AS OF DATE:		20030910

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			DALY JOSEPH S
		CENTRAL INDEX KEY:			0001244307

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-30973
		FILM NUMBER:		03890612

	MAIL ADDRESS:	
		STREET 1:		20484 E RIVER ROAD
		CITY:			GROSSE ILE
		STATE:			MI
		ZIP:			48138

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>X0201</schemaVersion>

    <documentType>4</documentType><periodOfReport>2003-06-30</periodOfReport><notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
        <issuerCik>0001118237</issuerCik>
        <issuerName>MBT FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>MBTF</issuerTradingSymbol></issuer><reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001244307</rptOwnerCik>
            <rptOwnerName>DALY JOSEPH S</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>20484 E. RIVER RD.</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>GROSSE ILE</rptOwnerCity>
            <rptOwnerState>MI</rptOwnerState>
            <rptOwnerZipCode>48138</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
<isDirector>1</isDirector><isOfficer>0</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther></reportingOwnerRelationship></reportingOwner><nonDerivativeTable><nonDerivativeTransaction><securityTitle><value>Common Stock</value></securityTitle><transactionDate><value>2003-09-10</value></transactionDate><deemedExecutionDate><value>2003-06-30</value></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>A</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>415</value></transactionShares><transactionPricePerShare><value>17.43</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>415</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><direct
OrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeTransaction></nonDerivativeTable><footnotes></footnotes><remarks></remarks><ownerSignature><signatureName>John L. Skibski
Attorney In Fact</signatureName><signatureDate>2003-09-10</signatureDate></ownerSignature></ownershipDocument>

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