FSB Bancorp, Inc. 316 East Saginaw Street Breckenridge, Michigan 48615 Re: Agreement and Plan of Merger by and among IBT Bancorp, Inc. and FSB Bancorp, Inc. Ladies and Gentlemen: You have requested our opinion with respect to certain federal income...Merger Agreement • June 20th, 2000 • Ibt Bancorp Inc /Mi/ • State commercial banks
