UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Form 13F
Form 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: June 30, 2003
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: Alice M. Hoffman
Title: Trust Operations Manager & Transfer Agent
Phone: (734) 384-8227
Signature, Place, and Date of Signing:
/s/ Alice M. Hoffman Monroe, MI July 18, 2003
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: 172
Form13F Information Table Value Total: $170,987 (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 270 2100 SH SOLE 1800 300 0
3M CO COM 88579Y101 159 1240 SH DEFINED 940 0 300
ABBOTT LABS COM 002824100 234 5367 SH SOLE 4967 400 0
ABBOTT LABS COM 002824100 339 7770 SH DEFINED 6170 1600 0
ALCOA INC COM 013817101 236 9275 SH SOLE 9175 100 0
ALCOA INC COM 013817101 28 1100 SH DEFINED 300 800 0
ALLTEL CORP COM 020039103 1330 27597 SH SOLE 22162 5135 300
ALLTEL CORP COM 020039103 474 9850 SH DEFINED 9850 0 0
ALTRIA GROUP INC COM 02209S103 247 5450 SH SOLE 5450 0 0
ALTRIA GROUP INC COM 02209S103 185 4085 SH DEFINED 3535 550 0
AMERICAN INTL GROUP INC COM 026874107 1861 33736 SH SOLE 30507 3042 187
AMERICAN INTL GROUP INC COM 026874107 445 8073 SH DEFINED 3495 3947 631
AMGEN INC COM 031162100 250 3800 SH DEFINED 3800 0 0
AMGEN INC COM 031162100 1422 21566 SH SOLE 8616 12950 0
ANHEUSER BUSCH COS INC COM 035229103 1129 22138 SH SOLE 14038 8100 0
ANHEUSER BUSCH COS INC COM 035229103 194 3810 SH DEFINED 3810 0 0
APACHE CORP COM 037411105 748 11506 SH SOLE 11141 365 0
APACHE CORP COM 037411105 39 600 SH DEFINED 400 200 0
AQUILA INC COM 03840P102 16 6522 SH DEFINED 6522 0 0
AQUILA INC COM 03840P102 18 7124 SH SOLE 7124 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 1102 32559 SH SOLE 31459 800 300
AUTOMATIC DATA PROCESSING IN COM 053015103 317 9375 SH DEFINED 8275 1100 0
BANK ONE CORP COM 06423A103 577 15539 SH SOLE 15339 200 0
BANK ONE CORP COM 06423A103 92 2487 SH DEFINED 2487 0 0
BED BATH & BEYOND INC COM 075896100 1944 50110 SH SOLE 35065 14970 75
BED BATH & BEYOND INC COM 075896100 524 13525 SH DEFINED 12350 1175 0
BELLSOUTH CORP COM 079860102 464 17431 SH SOLE 16531 900 0
BELLSOUTH CORP COM 079860102 293 11020 SH DEFINED 11020 0 0
BP PLC SPONSORED ADR 055622104 2353 55999 SH SOLE 46154 9845 0
BP PLC SPONSORED ADR 055622104 149 3568 SH DEFINED 3568 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 567 20908 SH SOLE 20208 700 0
BRISTOL MYERS SQUIBB CO COM 110122108 84 3100 SH DEFINED 700 800 1600
CARDINAL HEALTH INC COM 14149Y108 86 1350 SH DEFINED 400 650 300
CARDINAL HEALTH INC COM 14149Y108 596 9280 SH SOLE 6483 2797 0
CHEVRONTEXACO CORP COM 166764100 22 308 SH SOLE 308 0 0
CHEVRONTEXACO CORP COM 166764100 231 3213 SH DEFINED 3213 0 0
CINTAS CORP COM 172908105 274 7750 SH SOLE 7125 625 0
CINTAS CORP COM 172908105 209 5900 SH DEFINED 5900 0 0
CISCO SYS INC COM 17275R102 194 11605 SH SOLE 11085 430 90
CISCO SYS INC COM 17275R102 221 13204 SH DEFINED 10944 380 1880
CITIGROUP INC COM 172967101 538 12577 SH DEFINED 8575 500 3502
CITIGROUP INC COM 172967101 1192 27879 SH SOLE 23574 4305 0
CLAIRES STORES INC COM 179584107 410 16200 SH SOLE 16200 0 0
CLAIRES STORES INC COM 179584107 25 1000 SH DEFINED 1000 0 0
COCA COLA CO COM 191216100 879 18954 SH SOLE 18204 750 0
COCA COLA CO COM 191216100 410 8840 SH DEFINED 5180 1000 2660
COLGATE PALMOLIVE CO COM 194162103 554 9562 SH SOLE 7712 1850 0
COLGATE PALMOLIVE CO COM 194162103 62 1086 SH DEFINED 1086 0 0
COMERICA INC COM 200340107 1070 23013 SH SOLE 23013 0 0
COMERICA INC COM 200340107 113 2445 SH DEFINED 2445 0 0
COOPER TIRE & RUBR CO COM 216831107 17 1000 SH DEFINED 1000 0 0
COOPER TIRE & RUBR CO COM 216831107 219 12500 SH SOLE 12500 0 0
DISNEY WALT CO COM DISNEY 254687106 90 4600 SH DEFINED 1600 3000 0
DISNEY WALT CO COM DISNEY 254687106 364 18469 SH SOLE 13579 1250 3640
DOW CHEM CO COM 260543103 99 3204 SH DEFINED 3204 0 0
DOW CHEM CO COM 260543103 326 10536 SH SOLE 10536 0 0
DTE ENERGY CO COM 233331107 464 12025 SH SOLE 10849 1176 0
DTE ENERGY CO COM 233331107 352 9130 SH DEFINED 5830 0 3300
E M C CORP MASS COM 268648102 0 50 SH SOLE 0 50 0
E M C CORP MASS COM 268648102 105 10115 SH DEFINED 4115 6000 0
EMERSON ELEC CO COM 291011104 196 3850 SH SOLE 3700 150 0
EMERSON ELEC CO COM 291011104 137 2700 SH DEFINED 2700 0 0
EXXON MOBIL CORP COM 30231G102 610 17010 SH DEFINED 11984 0 5026
EXXON MOBIL CORP COM 30231G102 4504 125473 SH SOLE 94348 31125 0
FEDERAL HOME LN MTG CORP COM 313400301 414 8170 SH SOLE 7945 225 0
FEDERAL HOME LN MTG CORP COM 313400301 323 6375 SH DEFINED 6375 0 0
FEDERAL NATL MTG ASSN COM 313586109 1364 20226 SH SOLE 18476 1500 250
FEDERAL NATL MTG ASSN COM 313586109 595 8825 SH DEFINED 6025 1700 1100
FIFTH THIRD BANCORP COM 316773100 948 16520 SH SOLE 16520 0 0
FIFTH THIRD BANCORP COM 316773100 457 7971 SH DEFINED 2956 5015 0
FLEETBOSTON FINL CORP COM 339030108 86 2900 SH SOLE 2900 0 0
FLEETBOSTON FINL CORP COM 339030108 176 5950 SH DEFINED 5550 400 0
FORD MTR CO DEL COM PAR $0.01 345370860 379 34529 SH DEFINED 17902 11995 4632
FORD MTR CO DEL COM PAR $0.01 345370860 816 74269 SH SOLE 57037 14103 3129
FORTUNE BRANDS INC COM 349631101 1702 32617 SH SOLE 24017 8600 0
FORTUNE BRANDS INC COM 349631101 263 5050 SH DEFINED 4550 500 0
GANNETT INC COM 364730101 1286 16754 SH SOLE 8854 7900 0
GANNETT INC COM 364730101 101 1325 SH DEFINED 1325 0 0
GENERAL ELEC CO COM 369604103 7062 246247 SH SOLE 207857 36890 1500
GENERAL ELEC CO COM 369604103 1271 44341 SH DEFINED 25038 9180 10123
GENERAL MTRS CORP COM 370442105 143 3977 SH SOLE 3429 548 0
GENERAL MTRS CORP COM 370442105 104 2892 SH DEFINED 1249 735 908
GENESCO INC COM 371532102 302 17100 SH SOLE 15000 2100 0
GENESCO INC COM 371532102 53 3000 SH DEFINED 3000 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 27 683 SH DEFINED 683 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 473 11675 SH SOLE 10648 1027 0
HARLEY DAVIDSON INC COM 412822108 750 18835 SH SOLE 14735 3650 450
HARLEY DAVIDSON INC COM 412822108 127 3200 SH DEFINED 3200 0 0
HEALTH CARE REIT INC COM 42217K106 212 6975 SH SOLE 6675 300 0
HEALTH CARE REIT INC COM 42217K106 12 400 SH DEFINED 400 0 0
HEWLETT PACKARD CO COM 428236103 111 5230 SH SOLE 4977 253 0
HEWLETT PACKARD CO COM 428236103 202 9535 SH DEFINED 8735 0 800
HOME DEPOT INC COM 437076102 1054 31862 SH SOLE 21387 10075 400
HOME DEPOT INC COM 437076102 472 14275 SH DEFINED 8625 1200 4450
IFC CAP TR III PFD CV TR SECS 449498203 241 7200 SH SOLE 7200 0 0
INTEL CORP COM 458140100 5544 266567 SH SOLE 219117 46335 1115
INTEL CORP COM 458140100 1023 49205 SH DEFINED 42305 6900 0
INTERNATIONAL BUSINESS MACHS COM 459200101 567 6883 SH SOLE 5741 942 200
INTERNATIONAL BUSINESS MACHS COM 459200101 619 7510 SH DEFINED 6210 1300 0
INTL PAPER CO COM 460146103 343 9604 SH SOLE 9604 0 0
INTL PAPER CO COM 460146103 67 1897 SH DEFINED 897 1000 0
ISHARES TR RUSSELL MIDCAP 464287499 1317 23580 SH SOLE 12055 11525 0
ISHARES TR RUSSELL MIDCAP 464287499 51 925 SH DEFINED 425 500 0
ISHARES TR RUSSELL 2000 464287655 1321 14870 SH SOLE 8900 5970 0
ISHARES TR RUSSELL 2000 464287655 17 200 SH DEFINED 200 0 0
JOHNSON & JOHNSON COM 478160104 2406 46550 SH SOLE 32300 13500 750
JOHNSON & JOHNSON COM 478160104 643 12448 SH DEFINED 11448 1000 0
K MART CORP COM 482584109 0 5930 SH SOLE 5930 0 0
K MART CORP COM 482584109 0 10800 SH DEFINED 10400 0 400
KIMBERLY CLARK CORP COM 494368103 555 10650 SH SOLE 9325 1325 0
KIMBERLY CLARK CORP COM 494368103 438 8411 SH DEFINED 7900 511 0
LA Z BOY INC COM 505336107 50875 2274267 SH SOLE 905713 1368554 0
LA Z BOY INC COM 505336107 7283 325582 SH DEFINED 325582 0 0
LIBERTY ALL STAR EQUITY FD SH BEN INT 530158104 41 4988 SH SOLE 4988 0 0
LIBERTY ALL STAR EQUITY FD SH BEN INT 530158104 52 6392 SH DEFINED 6392 0 0
LILLY ELI & CO COM 532457108 137 2000 SH DEFINED 2000 0 0
LILLY ELI & CO COM 532457108 513 7450 SH SOLE 7450 0 0
LOWES COS INC COM 548661107 2395 55770 SH SOLE 43830 11710 230
LOWES COS INC COM 548661107 741 17275 SH DEFINED 13785 1590 1900
MARATHON OIL CORP COM 565849106 26 1000 SH SOLE 0 0 1000
MARATHON OIL CORP COM 565849106 177 6750 SH DEFINED 6000 750 0
MDU RES GROUP INC COM 552690109 185 5542 SH SOLE 5542 0 0
MDU RES GROUP INC COM 552690109 175 5229 SH DEFINED 5229 0 0
MERCANTILE BANK CORP COM 587376104 2317 81219 SH SOLE 13713 67506 0
MERCANTILE BANK CORP COM 587376104 1067 37406 SH DEFINED 36881 525 0
MERCK & CO INC COM 589331107 1599 26420 SH SOLE 21280 5140 0
MERCK & CO INC COM 589331107 759 12548 SH DEFINED 7224 3580 1744
MICROSOFT CORP COM 594918104 5202 202970 SH SOLE 161820 40310 840
MICROSOFT CORP COM 594918104 1000 39050 SH DEFINED 28900 9700 450
NATIONAL CITY CORP COM 635405103 347 10640 SH DEFINED 10640 0 0
NATIONAL CITY CORP COM 635405103 2572 78676 SH SOLE 45590 15000 18086
NOBLE CORPORATION SHS G65422100 463 13520 SH SOLE 11670 1850 0
NOBLE CORPORATION SHS G65422100 37 1100 SH DEFINED 1100 0 0
NUVEEN MICH QUALITY INCOME M COM 670979103 183 10856 SOLE 10856 0 0
PEPSICO INC COM 713448108 2110 47418 SH SOLE 41968 5150 300
PEPSICO INC COM 713448108 721 16205 SH DEFINED 11070 2495 2640
PERFORMANCE FOOD GROUP CO COM 713755106 342 9250 SH SOLE 7175 2075 0
PERFORMANCE FOOD GROUP CO COM 713755106 67 1825 SH DEFINED 1825 0 0
PFIZER INC COM 717081103 6328 185357 SH SOLE 146116 38446 795
PFIZER INC COM 717081103 1967 57639 SH DEFINED 53339 2450 1850
PROCTER & GAMBLE CO COM 742718109 1006 11287 SH SOLE 11112 175 0
PROCTER & GAMBLE CO COM 742718109 551 6180 SH DEFINED 5700 300 180
REPUBLIC BANCORP INC COM 760282103 444 33161 SH SOLE 33161 0 0
SBC COMMUNICATIONS INC COM 78387G103 1249 48915 SH SOLE 45289 3626 0
SBC COMMUNICATIONS INC COM 78387G103 189 7426 SH DEFINED 4575 1403 1448
SCIENTIFIC ATLANTA INC COM 808655104 16 700 SH SOLE 0 700 0
SCIENTIFIC ATLANTA INC COM 808655104 184 7750 SH DEFINED 7750 0 0
SKY FINL GROUP INC COM 83080P103 221 10162 SH SOLE 10162 0 0
SKY FINL GROUP INC COM 83080P103 18 863 SH DEFINED 687 176 0
SOUTHERN CO COM 842587107 200 6430 SH SOLE 2650 3780 0
SOUTHERN CO COM 842587107 85 2736 SH DEFINED 2736 0 0
SUNGARD DATA SYS INC COM 867363103 1452 56078 SH SOLE 38573 17505 0
SUNGARD DATA SYS INC COM 867363103 223 8630 SH DEFINED 7705 925 0
SYSCO CORP COM 871829107 363 12097 SH SOLE 10097 2000 0
SYSCO CORP COM 871829107 76 2550 SH DEFINED 1950 600 0
TCW CONV SECS FD INC COM 872340104 573 121070 SH SOLE 118670 2400 0
TCW CONV SECS FD INC COM 872340104 204 43200 SH DEFINED 43200 0 0
TOUCH AMERICA HOLDINGS INC COM 891539108 0 13700 SH SOLE 13700 0 0
TOUCH AMERICA HOLDINGS INC COM 891539108 0 2000 SH DEFINED 2000 0 0
TYCO INTL LTD NEW COM 902124106 282 14909 SH SOLE 13899 640 370
TYCO INTL LTD NEW COM 902124106 197 10430 SH DEFINED 6930 3500 0
VERIZON COMMUNICATIONS COM 92343V104 1470 37276 SH SOLE 34126 3140 10
VERIZON COMMUNICATIONS COM 92343V104 227 5776 SH DEFINED 5676 0 100
WAL MART STORES INC COM 931142103 118 2200 SH DEFINED 900 300 1000
WAL MART STORES INC COM 931142103 633 11809 SH SOLE 9329 2480 0
WASHINGTON MUT INC COM 939322103 293 7099 SH SOLE 7099 0 0
WELLS FARGO & CO NEW COM 949746101 36 729 SH SOLE 329 400 0
WELLS FARGO & CO NEW COM 949746101 241 4800 SH DEFINED 2400 2400 0
WYETH COM 983024100 1126 24743 SH SOLE 24743 0 0
WYETH COM 983024100 145 3200 SH DEFINED 3200 0 0
ZIMMER HLDGS INC COM 98956P102 350 7785 SH SOLE 6335 950 500
ZIMMER HLDGS INC COM 98956P102 38 850 SH DEFINED 40 0 810