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SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 
FORM 8-K
 
CURRENT REPORT
Pursuant to Section 13 or 15(d) of
the Securities Exchange Act of 1934
   
Date of Report (Date of earliest event reported)   
September 19, 2007
 
 
Fentura Financial, Inc.
 
(Exact name of registrant as specified in its charter)
Michigan
 
(State or other jurisdiction of incorporation)
     
0-23550   38-2806518
     
(Commission File Number)   (IRS Employer Identification No.)
     
175 North Leroy Street
P.O. Box 725
Fenton, Michigan
  48430-0725
     
(Address of Principal Executive Offices)   (Zip Code)
   
Registrant’s telephone number, including area code   
(810) 629-2263
 
 
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
     
o  
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
     
o  
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
     
o  
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
     
o  
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
 
 

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Item 8.01     Other Events.
     Fentura Financial, Inc. has announced plans for a special third quarter provision for loan losses. The provision expense for the quarter is expected to be approximately $4.5 million. The action is in response to an identified decline in credit quality of certain borrowers in our construction and land development loan portfolios.
     The action taken by management follows a thorough and in depth evaluation of the entire commercial loan portfolio and reflects the negative impact of the Michigan economy on the housing sector including specifically several of our land development and construction borrowers.

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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.
           
  FENTURA FINANCIAL, INC.
              (Registrant)
       
  By:   /s/ Ronald L. Justice 
      Ronald L. Justice, SVP-Corporate
Governance & Investor Relations 
Dated: September 19, 2007

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