UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549

                                    FORM 8-K

                                 CURRENT REPORT
     PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

                                 April 14, 2004
                Date of Report (Date of earliest event reported)

                               MBT FINANCIAL CORP.
             (Exact name of registrant as specified in its charter)

                                    Michigan
                 (State or other jurisdiction of incorporation)

                                    000-30973
                            (Commission File Number)

                                   38-3516922
                     (I.R.S. Employer Identification Number)

                              102 East Front Street
                             Monroe, Michigan 48161
          (Address of principal executive offices, including zip code)

                                 (734) 241-3431
              (Registrant's telephone number, including area code)

                                [not applicable]
          (Former name or former address, if changed since last report)



ITEM 7.  FINANCIAL STATEMENTS AND EXHIBITS

(c)      Exhibits

         The following exhibit is furnished herewith:

         Exhibit No.              Description of Exhibit

         99                       Press Release dated April 14, 2004
                                  announcing the Registrant's results of
                                  operations and financial condition for the
                                  three months ended March 31, 2004




ITEM 12.  RESULTS OF OPERATIONS AND FINANCIAL CONDITION

On April 14, 2004, MBT Financial Corp. issued a press release announcing its
earnings (unaudited) for its first quarter 2004, which ended March 31, 2004. A
copy of the press release is attached as Exhibit 99 and is incorporated by
reference.


                                   SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                          MBT FINANCIAL CORP.

Date: April 14, 2004
                                          /s/ H. Douglas Chaffin
                                          ----------------------------
                                          H. Douglas Chaffin
                                          President & CEO








                                  EXHIBIT INDEX

Exhibit Number             Description
--------------             ------------------------------------------------
     99                    Press Release dated April 14, 2004 reporting the
                           Registrant's results of operations and financial
                           condition for the three months ended March 31, 2004