IBT BANCORP INC /MI/
S-4, EX-3.1.(B), 2000-06-20
STATE COMMERCIAL BANKS
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                                                                  EXHIBIT 3.1(b)




            CERTIFICATE OF AMENDMENT TO THE ARTICLES OF INCORPORATION
              FOR USE BY DOMESTIC PROFIT AND NONPROFIT CORPORATIONS


         Article III of the Articles of Incorporation is hereby amended
to read as follows:

               The total authorized capital stock of the Corporation is Ten
               Million (10,000,000) shares of common stock with no par value,
               all of one class with voting rights.

     The foregoing amendment to the Articles of Incorporation was duly adopted
on the 18th day of April, 2000, by the shareholders if a profit corporation, or
by the shareholders or members if a nonprofit corporation at a meeting the
necessary votes were cast in favor of the amendment.


                                        PROFIT CORPORATION:


                                        Signed this 20th day of April, 2000


                                        BY: /s/ David W. Hole
                                           ---------------------------------
                                            David W. Hole, President




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