-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 HdyDFb8yHsndNYrfanSjtmZWj4rboaO2VA3ZDD0tiiWqz4WleO+CK9dPHISbM3Hp
 sOK3QDbfg14H9DyB8u/IJQ==

<SEC-DOCUMENT>0001209191-04-000029.txt : 20040102
<SEC-HEADER>0001209191-04-000029.hdr.sgml : 20040101
<ACCEPTANCE-DATETIME>20040102102603
ACCESSION NUMBER:		0001209191-04-000029
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031231
FILED AS OF DATE:		20040102

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			KISER GERALD L
		CENTRAL INDEX KEY:			0001246034

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-30973
		FILM NUMBER:		04500272

	BUSINESS ADDRESS:	
		STREET 1:		1505 HOLLYWOOD DRIVE
		CITY:			MONROE
		STATE:			MI
		ZIP:			48162
		BUSINESS PHONE:		7342421444

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>2003-12-31</periodOfReport><notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
        <issuerCik>0001118237</issuerCik>
        <issuerName>MBT FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>MBTF</issuerTradingSymbol></issuer><reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001246034</rptOwnerCik>
            <rptOwnerName>KISER GERALD L</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>1505 HOLLYWOOD</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>MONROE</rptOwnerCity>
            <rptOwnerState>MI</rptOwnerState>
            <rptOwnerZipCode>48162</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
<isDirector>1</isDirector><isOfficer>0</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther></reportingOwnerRelationship></reportingOwner><nonDerivativeTable><nonDerivativeHolding><securityTitle><value>Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>2000.0000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeHolding></nonDerivativeTable><derivativeTable><derivativeHolding><securityTitle><value>Employee Stock Option (right to buy)</value></securityTitle><conversionOrExercisePrice><value>13.9400</value></conversionOrExercisePrice><exerciseDate><value>2001-12-31</value></exerciseDate><expirationDate><value>2011-01-02</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>1572.0000</value></underlyingSecuritySh
ares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>1572.0000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Employee Stock Option (right to buy)</value></securityTitle><conversionOrExercisePrice><value>13.8500</value></conversionOrExercisePrice><exerciseDate><value>2002-12-31</value></exerciseDate><expirationDate><value>2012-01-02</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>1835.0000</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>1835.0000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature
></derivativeHolding><derivativeTransaction><securityTitle><value>Common Stock Units</value></securityTitle><conversionOrExercisePrice><value>0</value></conversionOrExercisePrice><transactionDate><value>2003-12-31</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>A</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>186.6786</value></transactionShares><transactionPricePerShare><value>16.7400</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><value>2004-04-01</value></exerciseDate><expirationDate><footnoteId id="F1" /></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>186.6786</value><
/underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>421.2358</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeTransaction></derivativeTable><footnotes><footnote id="F1">The common stock units do not have an expiration date.</footnote></footnotes><remarks></remarks><ownerSignature><signatureName>John L. Skibski
Attorney In Fact</signatureName><signatureDate>2004-01-02</signatureDate></ownerSignature></ownershipDocument>

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