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, 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 April 23, 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: 106 Form13F Information Table Value Total: $127,543 (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 273 2100 SH SOLE 1800 300 0 ABBOTT LABS COM 002824100 201 5367 SH SOLE 4967 400 0 ABBOTT LABS COM 002824100 292 7770 SH DEFINED 6170 1600 0 ALLTEL CORP COM 020039103 1230 27497 SH SOLE 22162 5135 200 ALLTEL CORP COM 020039103 440 9850 SH DEFINED 9850 0 0 AMERICAN INTL GROUP INC COM 026874107 376 7623 SH DEFINED 3295 3697 631 AMERICAN INTL GROUP INC COM 026874107 1362 27544 SH SOLE 24675 2682 187 ANHEUSER BUSCH COS INC COM 035229103 1011 21695 SH SOLE 13595 8100 0 AQUILA INC COM 03840P102 58 28388 SH SOLE 28388 0 0 ATMEL CORP COM 049513104 63 40000 SH SOLE 2000 38000 0 AUTOMATIC DATA PROCESSING IN COM 053015103 288 9375 SH DEFINED 8275 1100 0 AUTOMATIC DATA PROCESSING IN COM 053015103 1009 32784 SH SOLE 31684 800 300 BANK ONE CORP COM 06423A103 540 15619 SH SOLE 15419 200 0 BED BATH & BEYOND INC COM 075896100 1719 49785 SH SOLE 34740 14970 75 BED BATH & BEYOND INC COM 075896100 449 13025 SH DEFINED 11850 1175 0 BELLSOUTH CORP COM 079860102 304 14061 SH DEFINED 11020 1041 2000 BELLSOUTH CORP COM 079860102 402 18572 SH SOLE 17572 1000 0 BP PLC SPONSORED ADR 055622104 2304 59727 SH SOLE 49882 9845 0 BP PLC SPONSORED ADR 055622104 253 6568 SH DEFINED 6568 0 0 BRISTOL MYERS SQUIBB CO COM 110122108 441 20908 SH SOLE 20208 700 0 BRISTOL MYERS SQUIBB CO COM 110122108 202 9600 SH DEFINED 700 800 8100 CHEVRONTEXACO CORP COM 166764100 212 3290 SH DEFINED 3213 77 0 CINTAS CORP COM 172908105 254 7750 SH SOLE 7125 625 0 CISCO SYS INC COM 17275R102 433 33375 SH SOLE 10385 22900 90 CISCO SYS INC COM 17275R102 214 16528 SH DEFINED 14268 380 1880 CITIGROUP INC COM 172967101 960 27879 SH SOLE 23574 4305 0 CITIGROUP INC COM 172967101 295 8577 SH DEFINED 4575 500 3502 CLAIRES STORES INC COM 179584107 389 16500 SH SOLE 16500 0 0 COCA COLA CO COM 191216100 837 20704 SH SOLE 18804 1900 0 COCA COLA CO COM 191216100 357 8840 SH DEFINED 5180 1000 2660 COLGATE PALMOLIVE CO COM 194162103 525 9662 SH SOLE 7812 1850 0 COMERICA INC COM 200340107 1972 52064 SH SOLE 36864 15200 0 COOPER TIRE & RUBR CO COM 216831107 152 12500 SH SOLE 12500 0 0 DISNEY WALT CO COM DISNEY 254687106 329 19369 SH SOLE 13979 1250 4140 DOW CHEM CO COM 260543103 290 10536 SH SOLE 10536 0 0 DTE ENERGY CO COM 233331107 252 6530 SH DEFINED 3230 0 3300 DTE ENERGY CO COM 233331107 448 11603 SH SOLE 10949 654 0 E M C CORP MASS COM 268648102 73 10115 SH DEFINED 4115 6000 0 EXXON MOBIL CORP COM 30231G102 525 15048 SH DEFINED 8928 1094 5026 EXXON MOBIL CORP COM 30231G102 4428 126712 SH SOLE 95642 31070 0 FEDERAL HOME LN MTG CORP COM 313400301 311 5875 SH DEFINED 5875 0 0 FEDERAL HOME LN MTG CORP COM 313400301 424 7995 SH SOLE 7770 225 0 FEDERAL NATL MTG ASSN COM 313586109 1329 20351 SH SOLE 18601 1500 250 FEDERAL NATL MTG ASSN COM 313586109 576 8825 SH DEFINED 6025 1700 1100 FIFTH THIRD BANCORP COM 316773100 829 16520 SH SOLE 16520 0 0 FIFTH THIRD BANCORP COM 316773100 400 7971 SH DEFINED 2956 5015 0 FORD MTR CO DEL COM PAR $0.01 345370860 544 72361 SH SOLE 55483 14103 2775 FORD MTR CO DEL COM PAR $0.01 345370860 254 33904 SH DEFINED 17277 11995 4632 FORTUNE BRANDS INC COM 349631101 216 5050 SH DEFINED 4550 500 0 FORTUNE BRANDS INC COM 349631101 1341 31292 SH SOLE 22817 8475 0 GENERAL ELEC CO COM 369604103 5545 217467 SH SOLE 197692 18275 1500 GENERAL ELEC CO COM 369604103 1089 42741 SH DEFINED 24138 8480 10123 GENESCO INC COM 371532102 243 17100 SH SOLE 15000 2100 0 GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 410 11675 SH SOLE 10648 1027 0 HARLEY DAVIDSON INC COM 412822108 784 19770 SH SOLE 14570 4750 450 HARLEY DAVIDSON INC COM 412822108 214 5400 SH DEFINED 5400 0 0 HOME DEPOT INC COM 437076102 791 32482 SH SOLE 22007 10075 400 HOME DEPOT INC COM 437076102 347 14275 SH DEFINED 8625 1200 4450 IFC CAP TR III PFD CV TR SECS 449498203 217 7200 SH SOLE 7200 0 0 INTEL CORP COM 458140100 2982 183302 SH SOLE 173872 8315 1115 INTEL CORP COM 458140100 912 56105 SH DEFINED 49705 6400 0 INTERNATIONAL BUSINESS MACHS COM 459200101 572 7302 SH SOLE 5760 1342 200 INTERNATIONAL BUSINESS MACHS COM 459200101 628 8014 SH DEFINED 6210 1804 0 INTL PAPER CO COM 460146103 392 11608 SH SOLE 11608 0 0 JOHNSON & JOHNSON COM 478160104 2699 46655 SH SOLE 32375 13530 750 JOHNSON & JOHNSON COM 478160104 743 12848 SH DEFINED 11848 1000 0 K MART CORP COM 482584109 1 10800 SH DEFINED 10400 0 400 KIMBERLY CLARK CORP COM 494368103 988 21750 SH SOLE 10425 11325 0 KIMBERLY CLARK CORP COM 494368103 382 8411 SH DEFINED 7900 511 0 LA Z BOY INC COM 505336107 40688 2356032 SH SOLE 831457 1524575 0 LA Z BOY INC COM 505336107 3310 191675 SH DEFINED 191675 0 0 LILLY ELI & CO COM 532457108 441 7718 SH SOLE 7718 0 0 LOWES COS INC COM 548661107 622 15260 SH DEFINED 12510 850 1900 LOWES COS INC COM 548661107 1492 36575 SH SOLE 26600 9745 230 MERCANTILE BANK CORP COM 587376104 1851 77594 SH SOLE 10288 67306 0 MERCANTILE BANK CORP COM 587376104 880 36906 SH DEFINED 36381 525 0 MERCK & CO INC COM 589331107 2016 36820 SH SOLE 21580 15240 0 MERCK & CO INC COM 589331107 765 13983 SH DEFINED 7409 3580 2994 MICROSOFT CORP COM 594918104 3221 133100 SH SOLE 120090 12170 840 MICROSOFT CORP COM 594918104 816 33750 SH DEFINED 24400 8900 450 NATIONAL CITY CORP COM 635405103 1696 60920 SH SOLE 46020 14900 0 NOBLE CORPORATION SHS G65422100 424 13520 SH SOLE 11670 1850 0 NUCO2 INC COM 629428103 64 12900 SH DEFINED 12900 0 0 OWENS CORNING 69073F103 0 13550 SH SOLE 2850 8500 2200 PEPSICO INC COM 713448108 1852 46301 SH SOLE 40601 5400 300 PEPSICO INC COM 713448108 656 16405 SH DEFINED 11270 2495 2640 PFIZER INC COM 717081103 4611 148034 SH SOLE 117743 29496 795 PFIZER INC COM 717081103 1523 48901 SH DEFINED 45451 1600 1850 PHARMACIA CORP COM 71713U102 205 4739 SH SOLE 4739 0 0 PROCTER & GAMBLE CO COM 742718109 401 4510 SH DEFINED 4330 0 180 PROCTER & GAMBLE CO COM 742718109 680 7642 SH SOLE 7642 0 0 SBC COMMUNICATIONS INC COM 78387G103 1185 59150 SH SOLE 47143 12007 0 SUNGARD DATA SYS INC COM 867363103 363 17075 SH SOLE 16875 200 0 SYSCO CORP COM 871829107 230 9047 SH SOLE 7047 2000 0 TCW CONV SECS FD INC COM 872340104 203 43200 SH DEFINED 43200 0 0 TCW CONV SECS FD INC COM 872340104 630 134170 SH SOLE 119270 14900 0 TOUCH AMERICA HLDGS INC COM 891539108 1 13700 SH SOLE 13700 0 0 TYCO INTL LTD NEW COM 902124106 169 13179 SH SOLE 12069 740 370 TYCO INTL LTD NEW COM 902124106 134 10430 SH DEFINED 6930 3500 0 VERIZON COMMUNICATIONS COM 92343V104 306 8676 SH DEFINED 5676 1500 1500 VERIZON COMMUNICATIONS COM 92343V104 1370 38779 SH SOLE 35629 3140 10 WAL MART STORES INC COM 931142103 614 11809 SH SOLE 9329 2480 0 WASHINGTON MUT INC COM 939322103 251 7124 SH SOLE 7124 0 0 WELLS FARGO & CO NEW COM 949746101 215 4800 SH DEFINED 2400 2400 0 WYETH COM 983024100 948 25093 SH SOLE 25093 0 0 ZIMMER HLDGS INC COM 98956P102 385 7935 SH SOLE 6485 950 500