UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Form 13F
Form 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: March 31, 2008
Check here if Amendment [ ]; Amendment Number:
This Amendment (Check only one.): [ ] is a restatement.
[ ] adds new holdings entries.
Institutional Investment Manager Filing this Report:
Name: Monroe Bank & Trust
Address: 102 E. Front Street
Monroe, MI 48161
13F File Number: 28-07438
The institutional investment manager filing this report and the person by whom
it is signed hereby represent that the person signing the report is authorized
to submit it, that all information contained herein is true, correct and
complete, and that it is understood that all required items, statements,
schedules, lists, and tables, are considered integral parts of this form.
Person Signing this Report on Behalf of Reporting Manager:
Name: Diane Y. Kamprath
Title: Vice President
Phone: 734-242-3773
Signature, Place, and Date of Signing:
/s/ Diane Y. Kamprath Monroe, MI May 06, 2008
Report Type (Check only one.):
[ X] 13F HOLDINGS REPORT.
[ ] 13F NOTICE.
[ ] 13F COMBINATION REPORT.
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form13F Information Table Entry Total: 228
Form13F Information Table Value Total: $180,122 (thousands)
List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all
institutional managers with respect to which this report is filed, other
than the manager filing this report.
NONE
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
3M CO COM 88579Y101 429 5415 SH SOLE 3415 1500 500
3M CO COM 88579Y101 173 2180 SH DEFINED 2180 0 0
ABBOTT LABS COM 002824100 261 4740 SH SOLE 2840 1900 0
ABBOTT LABS COM 002824100 227 4125 SH DEFINED 2525 1600 0
ACCENTURE LTD BERMUDA CL A G1150G111 239 6790 SH DEFINED 4390 1200 1200
ACCENTURE LTD BERMUDA CL A G1150G111 1407 40015 SH SOLE 34115 5900 0
ADOBE SYS INC COM 00724F101 1000 28093 SH SOLE 21425 6668 0
ADOBE SYS INC COM 00724F101 38 1070 SH DEFINED 870 200 0
AIR PRODS & CHEMS INC COM 009158106 28 300 SH SOLE 300 0 0
AIR PRODS & CHEMS INC COM 009158106 184 2000 SH DEFINED 2000 0 0
ALTRIA GROUP INC COM 02209S103 230 3115 SH DEFINED 3115 0 0
ALTRIA GROUP INC COM 02209S103 1779 24100 SH SOLE 17340 5460 1300
AMERICA MOVIL SAB DE CV SPON ADR L SHS 02364W105 266 4173 SH SOLE 3749 424 0
AMERICAN INTL GROUP INC COM 026874107 61 1400 SH DEFINED 1400 0 0
AMERICAN INTL GROUP INC COM 026874107 172 3986 SH SOLE 2305 1681 0
APACHE CORP COM 037411105 5058 41866 SH SOLE 37500 3836 530
APACHE CORP COM 037411105 870 7200 SH DEFINED 6000 900 300
APPLE INC COM 037833100 338 2357 SH SOLE 1659 698 0
APPLE INC COM 037833100 22 150 SH DEFINED 0 0 150
AT&T INC COM 00206R102 124 3250 SH DEFINED 3250 0 0
AT&T INC COM 00206R102 784 20464 SH SOLE 16435 3305 724
AUTOMATIC DATA PROCESSING IN COM 053015103 1648 38890 SH SOLE 34270 4620 0
AUTOMATIC DATA PROCESSING IN COM 053015103 145 3425 SH DEFINED 2775 150 500
BANK OF AMERICA CORPORATION COM 060505104 101 2678 SH DEFINED 2678 0 0
BANK OF AMERICA CORPORATION COM 060505104 281 7408 SH SOLE 5318 2090 0
BORGWARNER INC COM 099724106 120 2800 SH SOLE 2800 0 0
BORGWARNER INC COM 099724106 108 2500 SH DEFINED 2500 0 0
BP PLC SPONSORED ADR 055622104 1144 18855 SH SOLE 15825 3030 0
BP PLC SPONSORED ADR 055622104 112 1850 SH DEFINED 1850 0 0
CHESAPEAKE ENERGY CORP COM 165167107 1524 33030 SH SOLE 25406 7299 325
CHESAPEAKE ENERGY CORP COM 165167107 277 6005 SH DEFINED 4205 1050 750
CHEVRON CORP NEW COM 166764100 1604 18794 SH SOLE 14801 3843 150
CHEVRON CORP NEW COM 166764100 46 535 SH DEFINED 440 95 0
CISCO SYS INC COM 17275R102 1278 53031 SH SOLE 36522 12509 4000
CISCO SYS INC COM 17275R102 172 7150 SH DEFINED 4200 1350 1600
CITIGROUP INC COM 172967101 259 12098 SH SOLE 8088 4010 0
CITIGROUP INC COM 172967101 75 3500 SH DEFINED 2000 0 1500
COCA COLA CO COM 191216100 336 5520 SH DEFINED 2940 1080 1500
COCA COLA CO COM 191216100 1146 18833 SH SOLE 15600 3233 0
COLGATE PALMOLIVE CO COM 194162103 1558 19995 SH SOLE 16740 3255 0
COLGATE PALMOLIVE CO COM 194162103 283 3636 SH DEFINED 2136 750 750
COMERICA INC COM 200340107 325 9263 SH SOLE 9263 0 0
COMERICA INC COM 200340107 11 300 SH DEFINED 300 0 0
CONOCOPHILLIPS COM 20825C104 319 4180 SH SOLE 2873 1307 0
CONOCOPHILLIPS COM 20825C104 15 200 SH DEFINED 200 0 0
CVS CAREMARK CORPORATION COM 126650100 51 1250 SH DEFINED 1250 0 0
CVS CAREMARK CORPORATION COM 126650100 430 10626 SH SOLE 5125 4901 600
DISNEY WALT CO COM DISNEY 254687106 689 21965 SH SOLE 17100 4865 0
DISNEY WALT CO COM DISNEY 254687106 206 6575 SH DEFINED 2650 3100 825
DOW CHEM CO COM 260543103 146 3975 SH DEFINED 3475 0 500
DOW CHEM CO COM 260543103 227 6149 SH SOLE 6149 0 0
DTE ENERGY CO COM 233331107 398 10239 SH SOLE 8074 765 1400
DTE ENERGY CO COM 233331107 219 5620 SH DEFINED 3220 0 2400
DU PONT E I DE NEMOURS & CO COM 263534109 284 6081 SH SOLE 4081 2000 0
DU PONT E I DE NEMOURS & CO COM 263534109 84 1800 SH DEFINED 1800 0 0
EMERSON ELEC CO COM 291011104 491 9550 SH SOLE 7550 2000 0
EMERSON ELEC CO COM 291011104 12 225 SH DEFINED 225 0 0
ENERGY INCOME & GROWTH FD COM 292697109 206 9400 SH SOLE 7350 2050 0
ENERGY INCOME & GROWTH FD COM 292697109 59 2700 SH DEFINED 2700 0 0
ENTERGY CORP NEW COM 29364G103 235 2150 SH SOLE 1150 1000 0
EXPEDITORS INTL WASH INC COM 302130109 166 3675 SH DEFINED 2175 200 1300
EXPEDITORS INTL WASH INC COM 302130109 1299 28745 SH SOLE 24295 4450 0
EXXON MOBIL CORP COM 30231G102 4525 53496 SH SOLE 48625 4721 150
EXXON MOBIL CORP COM 30231G102 1056 12483 SH DEFINED 11403 80 1000
FORD MTR CO DEL COM PAR $0.01 345370860 37 6465 SH SOLE 2000 4465 0
FORD MTR CO DEL COM PAR $0.01 345370860 34 5975 SH DEFINED 5975 0 0
FORTUNE BRANDS INC COM 349631101 266 3822 SH SOLE 3822 0 0
FORTUNE BRANDS INC COM 349631101 44 630 SH DEFINED 580 0 50
FPL GROUP INC COM 302571104 85 1362 SH SOLE 1362 0 0
FPL GROUP INC COM 302571104 188 3000 SH DEFINED 2600 0 400
FRANKLIN RES INC COM 354613101 541 5575 SH SOLE 5175 400 0
FRANKLIN RES INC COM 354613101 48 500 SH DEFINED 500 0 0
FREEPORT-MCMORAN COPPER & GO COM 35671D857 216 2243 SH SOLE 534 1709 0
FREEPORT-MCMORAN COPPER & GO COM 35671D857 45 464 SH DEFINED 464 0 0
GENERAL DYNAMICS CORP COM 369550108 163 1956 SH SOLE 706 1250 0
GENERAL DYNAMICS CORP COM 369550108 106 1267 SH DEFINED 767 0 500
GENERAL ELECTRIC CO COM 369604103 4498 121575 SH SOLE 111482 9693 400
GENERAL ELECTRIC CO COM 369604103 783 21150 SH DEFINED 14560 4390 2200
GILEAD SCIENCES INC COM 375558103 176 3420 SH SOLE 959 2461 0
GILEAD SCIENCES INC COM 375558103 31 600 SH DEFINED 600 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 221 5204 SH SOLE 3614 590 1000
HANCOCK JOHN PFD INCOME FD SH BEN INT 41013W108 993 52715 SH SOLE 46540 6175 0
HANCOCK JOHN PFD INCOME FD SH BEN INT 41013W108 385 20430 SH DEFINED 15830 0 4600
HARTFORD FINL SVCS GROUP INC COM 416515104 1088 14365 SH SOLE 11680 2685 0
HARTFORD FINL SVCS GROUP INC COM 416515104 70 920 SH DEFINED 340 80 500
HEALTH CARE REIT INC COM 42217K106 403 8925 SH DEFINED 5650 1000 2275
HEALTH CARE REIT INC COM 42217K106 557 12350 SH SOLE 10075 2275 0
HEWLETT PACKARD CO COM 428236103 203 4445 SH SOLE 1484 2161 800
HEWLETT PACKARD CO COM 428236103 14 300 SH DEFINED 300 0 0
INTEL CORP COM 458140100 122 5757 SH SOLE 5257 500 0
INTEL CORP COM 458140100 255 12031 SH DEFINED 10031 0 2000
INTERNATIONAL BUSINESS MACHS COM 459200101 391 3398 SH SOLE 2273 1125 0
INTERNATIONAL BUSINESS MACHS COM 459200101 279 2420 SH DEFINED 1420 1000 0
ISHARES INC MSCI PAC J IDX 464286665 293 2160 SH DEFINED 2160 0 0
ISHARES INC MSCI PAC J IDX 464286665 821 6055 SH SOLE 4555 1500 0
ISHARES S&P GSCI COMMODITY I UNIT BEN INT 46428R107 749 12937 SH DEFINED 10825 1112 1000
ISHARES S&P GSCI COMMODITY I UNIT BEN INT 46428R107 6253 108070 SH SOLE 97477 9168 1425
ISHARES TR DJ US INDUSTRL 464287754 2605 38074 SH SOLE 33778 3996 300
ISHARES TR RUSSELL 1000 464287622 79 1100 SH DEFINED 1100 0 0
ISHARES TR RUSL 2000 VALU 464287630 257 3925 SH SOLE 1175 2750 0
ISHARES TR DJ US INDUSTRL 464287754 301 4403 SH DEFINED 3953 450 0
ISHARES TR RUSL 2000 GROW 464287648 1167 16114 SH SOLE 12739 3375 0
ISHARES TR RUSSELL MCP GR 464287481 33 330 SH DEFINED 330 0 0
ISHARES TR RUSSELL 2000 464287655 3538 51807 SH SOLE 45792 5715 300
ISHARES TR RUSSELL 2000 464287655 690 10101 SH DEFINED 9126 975 0
ISHARES TR DJ US UTILS 464287697 2777 30203 SH SOLE 26673 3405 125
ISHARES TR DJ US UTILS 464287697 465 5062 SH DEFINED 3887 750 425
ISHARES TR DJ US TELECOMM 464287713 1356 58041 SH SOLE 51018 6773 250
ISHARES TR DJ US TELECOMM 464287713 191 8155 SH DEFINED 7730 150 275
ISHARES TR RUSSELL 1000 464287622 297 4121 SH SOLE 3721 400 0
ISHARES TR DJ US TECH SEC 464287721 342 6522 SH DEFINED 5972 150 400
ISHARES TR RUSL 2000 VALU 464287630 11 165 SH DEFINED 165 0 0
ISHARES TR DJ EPAC DIVIDE 464288448 264 6335 SH SOLE 3385 2950 0
ISHARES TR DJ US BAS MATL 464287838 164 2212 SH DEFINED 1337 150 725
ISHARES TR DJ US BAS MATL 464287838 2409 32453 SH SOLE 27640 4663 150
ISHARES TR CONS GOODS IDX 464287812 45 743 SH DEFINED 743 0 0
ISHARES TR CONS GOODS IDX 464287812 765 12634 SH SOLE 11649 810 175
ISHARES TR DJ US ENERGY 464287796 95 738 SH DEFINED 688 50 0
ISHARES TR DJ US ENERGY 464287796 1619 12575 SH SOLE 11190 1210 175
ISHARES TR DJ US FINL SEC 464287788 51 620 SH DEFINED 470 0 150
ISHARES TR DJ US FINL SEC 464287788 1104 13521 SH SOLE 11121 2225 175
ISHARES TR DJ US HEALTHCR 464287762 251 4003 SH DEFINED 3453 0 550
ISHARES TR DJ US HEALTHCR 464287762 2150 34336 SH SOLE 29891 4170 275
ISHARES TR DJ US TECH SEC 464287721 2334 44448 SH SOLE 40360 3788 300
ISHARES TR DJ SEL DIV INX 464287168 1906 32945 SH SOLE 23735 9210 0
ISHARES TR MSCI EMERG MKT 464287234 1238 9210 SH DEFINED 7310 1150 750
ISHARES TR MSCI EMERG MKT 464287234 7488 55721 SH SOLE 48401 6845 475
ISHARES TR LEHMAN AGG BND 464287226 554 5395 SH DEFINED 5395 0 0
ISHARES TR LEHMAN AGG BND 464287226 3894 37922 SH SOLE 33397 4525 0
ISHARES TR US TIPS BD FD 464287176 1956 17800 SH SOLE 14375 3425 0
ISHARES TR 1-3 YR TRS BD 464287457 42 500 SH DEFINED 500 0 0
ISHARES TR MSCI EAFE IDX 464287465 14120 196380 SH SOLE 163984 30171 2225
ISHARES TR RUSL 2000 GROW 464287648 145 2000 SH DEFINED 1250 0 750
ISHARES TR MSCI EAFE IDX 464287465 2272 31600 SH DEFINED 24827 3623 3150
ISHARES TR RUSSELL1000GRW 464287614 153 2805 SH DEFINED 2805 0 0
ISHARES TR RUSSELL MCP VL 464287473 238 1850 SH SOLE 350 1500 0
ISHARES TR 1-3 YR TRS BD 464287457 1055 12525 SH SOLE 10825 1700 0
ISHARES TR DJ SEL DIV INX 464287168 324 5600 SH DEFINED 5100 500 0
ISHARES TR RUSSELL MIDCAP 464287499 5088 54384 SH SOLE 50074 3510 800
ISHARES TR RUSSELL MIDCAP 464287499 865 9243 SH DEFINED 7028 1215 1000
ISHARES TR RUSSELL MCP GR 464287481 279 2750 SH SOLE 750 2000 0
ISHARES TR S&P GSTI SOFTW 464287515 91 2025 SH SOLE 2025 0 0
ISHARES TR S&P GSTI SOFTW 464287515 141 3150 SH DEFINED 3150 0 0
ISHARES TR COHEN&ST RLTY 464287564 1473 18320 SH SOLE 14730 3245 345
ISHARES TR COHEN&ST RLTY 464287564 113 1400 SH DEFINED 500 0 900
ISHARES TR CONS SRVC IDX 464287580 523 9097 SH SOLE 8064 908 125
ISHARES TR CONS SRVC IDX 464287580 41 705 SH DEFINED 555 150 0
ISHARES TR RUSSELL1000VAL 464287598 305 4150 SH SOLE 4150 0 0
ISHARES TR RUSSELL1000VAL 464287598 59 810 SH DEFINED 810 0 0
ISHARES TR RUSSELL1000GRW 464287614 401 7375 SH SOLE 7375 0 0
ISHARES TR RUSSELL MCP VL 464287473 57 440 SH DEFINED 140 300 0
JACOBS ENGR GROUP INC DEL COM 469814107 44 600 SH DEFINED 600 0 0
JACOBS ENGR GROUP INC DEL COM 469814107 473 6425 SH SOLE 4425 2000 0
JOHNSON & JOHNSON COM 478160104 2337 36035 SH SOLE 29183 6852 0
JOHNSON & JOHNSON COM 478160104 543 8375 SH DEFINED 6850 600 925
JP MORGAN CHASE & CO COM 46625H100 521 12140 SH SOLE 9981 2159 0
JP MORGAN CHASE & CO COM 46625H100 202 4697 SH DEFINED 2846 1851 0
LA Z BOY INC COM 505336107 187 22385 SH DEFINED 22385 0 0
LA Z BOY INC COM 505336107 1061 127242 SH SOLE 117242 10000 0
LILLY ELI & CO COM 532457108 325 6295 SH SOLE 4788 1507 0
MBT FINL CORP COM 578877102 10824 1258561 SH SOLE 938110 92684 227767
MBT FINL CORP COM 578877102 2870 333774 SH DEFINED 330774 0 3000
MCDONALDS CORP COM 580135101 1122 20125 SH SOLE 16010 3515 600
MCDONALDS CORP COM 580135101 211 3787 SH DEFINED 1237 2100 450
MEDTRONIC INC COM 585055106 1260 26060 SH SOLE 22225 3835 0
MEDTRONIC INC COM 585055106 199 4110 SH DEFINED 2585 625 900
MERCK & CO INC COM 589331107 6 150 SH SOLE 150 0 0
MERCK & CO INC COM 589331107 247 6500 SH DEFINED 2500 0 4000
MICROSOFT CORP COM 594918104 675 23800 SH DEFINED 14110 7690 2000
MICROSOFT CORP COM 594918104 2570 90542 SH SOLE 77380 13162 0
NATIONAL CITY CORP COM 635405103 44 4442 SH DEFINED 4442 0 0
NATIONAL CITY CORP COM 635405103 376 37754 SH SOLE 22796 12458 2500
NOBLE CORPORATION SHS G65422100 443 8930 SH DEFINED 7300 330 1300
NOBLE CORPORATION SHS G65422100 2211 44525 SH SOLE 38040 6250 235
NORFOLK SOUTHERN CORP COM 655844108 341 6275 SH SOLE 6275 0 0
NORFOLK SOUTHERN CORP COM 655844108 139 2563 SH DEFINED 2563 0 0
NUVEEN QUALITY PFD INC FD 3 COM 67072W101 128 12400 SH SOLE 12400 0 0
NUVEEN QUALITY PFD INCOME FD COM 67071S101 904 88080 SH SOLE 81880 6200 0
NUVEEN QUALITY PFD INCOME FD COM 67071S101 290 28240 SH DEFINED 21640 0 6600
NUVEEN QUALITY PFD INCOME FD COM 67072C105 138 12600 SH SOLE 12600 0 0
OCCIDENTAL PETE CORP DEL COM 674599105 1296 17719 SH SOLE 14430 3114 175
OCCIDENTAL PETE CORP DEL COM 674599105 649 8865 SH DEFINED 8740 125 0
ORACLE CORP COM 68389X105 1157 59190 SH SOLE 46194 12996 0
ORACLE CORP COM 68389X105 103 5250 SH DEFINED 3750 0 1500
PEPSICO INC COM 713448108 696 9645 SH DEFINED 6940 1425 1280
PEPSICO INC COM 713448108 1910 26450 SH SOLE 22400 3000 1050
PFIZER INC COM 717081103 301 14399 SH SOLE 9228 5171 0
PFIZER INC COM 717081103 15 700 SH DEFINED 700 0 0
PRAXAIR INC COM 74005P104 240 2850 SH SOLE 2850 0 0
PROCTER & GAMBLE CO COM 742718109 818 11675 SH DEFINED 10065 610 1000
PROCTER & GAMBLE CO COM 742718109 3246 46339 SH SOLE 42349 3990 0
PRUDENTIAL FINL INC COM 744320102 23 300 SH DEFINED 300 0 0
PRUDENTIAL FINL INC COM 744320102 208 2657 SH SOLE 2657 0 0
ROCKWELL COLLINS INC COM 774341101 252 4410 SH DEFINED 3480 130 800
ROCKWELL COLLINS INC COM 774341101 1206 21100 SH SOLE 17820 3280 0
SCHLUMBERGER LTD COM 806857108 287 3300 SH DEFINED 1700 600 1000
SCHLUMBERGER LTD COM 806857108 407 4675 SH SOLE 4450 225 0
SIMON PPTY GROUP INC NEW COM 828806109 151 1625 SH DEFINED 1175 0 450
SIMON PPTY GROUP INC NEW COM 828806109 1245 13404 SH SOLE 10670 2734 0
SOUTHERN CO COM 842587107 161 4530 SH DEFINED 4530 0 0
SOUTHERN CO COM 842587107 214 6010 SH SOLE 2313 3697 0
STARBUCKS CORP COM 855244109 8 480 SH DEFINED 300 180 0
STARBUCKS CORP COM 855244109 302 17280 SH SOLE 12875 4405 0
STRYKER CORP COM 863667101 221 3400 SH DEFINED 2650 750 0
STRYKER CORP COM 863667101 834 12825 SH SOLE 10325 2100 400
SYSCO CORP COM 871829107 138 4750 SH SOLE 3150 1600 0
SYSCO CORP COM 871829107 70 2400 SH DEFINED 2400 0 0
TARGET CORP COM 87612E106 136 2680 SH DEFINED 1075 805 800
TARGET CORP COM 87612E106 589 11622 SH SOLE 9390 2232 0
TCW STRATEGIC INCOME FUND IN COM 872340104 94 25650 SH SOLE 25650 0 0
TCW STRATEGIC INCOME FUND IN COM 872340104 31 8500 SH DEFINED 8500 0 0
TEREX CORP NEW COM 880779103 59 950 SH DEFINED 950 0 0
TEREX CORP NEW COM 880779103 523 8375 SH SOLE 5900 2475 0
UNITED TECHNOLOGIES CORP COM 913017109 574 8345 SH SOLE 4888 3457 0
UNITED TECHNOLOGIES CORP COM 913017109 83 1200 SH DEFINED 1200 0 0
US BANCORP DEL COM NEW 902973304 160 4950 SH SOLE 4950 0 0
US BANCORP DEL COM NEW 902973304 91 2800 SH DEFINED 2800 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 176 4836 SH SOLE 2291 2095 450
VERIZON COMMUNICATIONS INC COM 92343V104 163 4482 SH DEFINED 4482 0 0
WAL MART STORES INC COM 931142103 671 12742 SH SOLE 11852 890 0
WAL MART STORES INC COM 931142103 93 1760 SH DEFINED 1550 210 0
WALGREEN CO COM 931422109 159 4175 SH DEFINED 975 3200 0
WALGREEN CO COM 931422109 42 1100 SH SOLE 1000 100 0
WELLS FARGO & CO NEW COM 949746101 721 24775 SH SOLE 23075 1400 300
WELLS FARGO & CO NEW COM 949746101 465 15980 SH DEFINED 10380 5100 500
WESBANCO INC COM 950810101 361 14633 SH SOLE 14633 0 0
WINDSTREAM CORP COM 97381W104 9 723 SH DEFINED 723 0 0
WINDSTREAM CORP COM 97381W104 174 14575 SH SOLE 10472 4103 0