EXHIBIT 99.1

                                 REVOCABLE PROXY

                         THE FARWELL STATE SAVINGS BANK
                         SPECIAL MEETING OF SHAREHOLDERS

           THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS

     The undersigned hereby appoints Herbert R. Miller and Thomas E. Kedrowski,
or either of them, with full power of substitution, to act as attorneys and
proxies for the undersigned to vote all shares of common stock of The Farwell
State Savings Bank ("Farwell") that the undersigned is entitled to vote at
Farwell's Special Meeting of Shareholders (the "Meeting"), to be held on
September 12, 2006, at 10 a.m., local time, located at the Surrey Township Hall,
Farwell, Michigan, and any and all adjournments and postponements thereof.

     The undersigned acknowledges receipt from Farwell, prior to the execution
of this proxy, of Notice of the Special Meeting and a Prospectus and Proxy
Statement.

                 (Continued and to be signed on following page)



THE FARWELL STATE SAVINGS BANK

     Approval of the Amended and Restated Agreement and Plan of Merger, dated as
of May 2, 2006 (the "Merger Agreement"), among Farmers State Bank of
Breckenridge, IBT Bancorp, Inc. and The Farwell State Savings Bank.

     [ ] For          [ ] Against          [ ] Abstain

     The Board of Directors recommends a vote "FOR" approval of the Agreement
and Plan of Merger.

     THIS PROXY WILL BE VOTED AS DIRECTED. IF NO DIRECTIONS ARE SPECIFIED, THIS
PROXY WILL BE VOTED FOR APPROVAL OF THE MERGER AGREEMENT. IF ANY OTHER BUSINESS
IS PRESENTED AT THE MEETING, THIS PROXY WILL BE VOTED BY THOSE NAMED IN THIS
PROXY IN THEIR JUDGMENT. AT THE PRESENT TIME, THE BOARD OF DIRECTORS KNOWS OF NO
OTHER BUSINESS TO BE PRESENTED AT THE MEETING.

                                        Dated: ---------------------------------

                                        Print Name: ----------------------------

                                        Signature: -----------------------------

                                        Print Name: ----------------------------

                                        Signature: -----------------------------

                                        Please sign exactly as your name appears
                                        on this card. When signing as attorney,
                                        executor, administrator, trustee or
                                        guardian, please give your full title.
                                        If shares are held jointly, each holder
                                        should sign.

                                        YOUR VOTE IS IMPORTANT!

                                        PLEASE PROMPTLY COMPLETE, SIGN AND MAIL
                                        THIS PROXY IN THE ENCLOSED, POSTAGE-PAID
                                        ENVELOPE