<DOCUMENT>
<TYPE>EX-21
<SEQUENCE>3
<FILENAME>ex-21.txt
<DESCRIPTION>SUBSIDIARIES OF THE REGISTRANT
<TEXT>
                         SUBSIDIARIES OF THE REGISTRANT


Parent
------
IBT Bancorp, Inc.
                                               State or Other
                                                Jurisdiction       Percentage
Subsidiaries                                  of Incorporation      Ownership
------------                                  ----------------      ---------
Irwin Bank & Trust Company                      Pennsylvania          100%

Subsidiaries of Irwin Bank & Trust Company
------------------------------------------
T.A. of Irwin, LP                               Pennsylvania           85%

</TEXT>
</DOCUMENT>