UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Form 13F
Form 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: December 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 February 02, 2009
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: 182
Form13F Information Table Value Total: $102,819 (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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
ABBOTT LABS COM 002824100 330 6180 SH SOLE 3780 2400 0
ABBOTT LABS COM 002824100 108 2018 SH DEFINED 250 1768 0
ACCENTURE LTD BERMUDA CL A G1150G111 155 4715 SH DEFINED 3390 225 1100
ACCENTURE LTD BERMUDA CL A G1150G111 1295 39485 SH SOLE 33970 5515 0
ADOBE SYS INC COM 00724F101 509 23910 SH SOLE 19620 4290 0
ADOBE SYS INC COM 00724F101 40 1870 SH DEFINED 570 250 1050
ALTRIA GROUP INC COM 02209S103 436 28935 SH SOLE 22400 6535 0
ALTRIA GROUP INC COM 02209S103 57 3770 SH DEFINED 2770 350 650
APACHE CORP COM 037411105 2711 36371 SH SOLE 32730 3511 130
APACHE CORP COM 037411105 352 4725 SH DEFINED 4225 200 300
AT&T INC COM 00206R102 76 2650 SH DEFINED 2650 0 0
AT&T INC COM 00206R102 388 13600 SH SOLE 11047 1829 724
AUTOMATIC DATA PROCESSING IN COM 053015103 99 2525 SH DEFINED 1225 350 950
AUTOMATIC DATA PROCESSING IN COM 053015103 1453 36925 SH SOLE 32370 4555 0
BANK OF AMERICA CORPORATION COM 060505104 52 3691 SH SOLE 2009 1682 0
BANK OF AMERICA CORPORATION COM 060505104 94 6698 SH DEFINED 6698 0 0
BAXTER INTL INC COM 071813109 184 3425 SH SOLE 3050 375 0
BAXTER INTL INC COM 071813109 43 800 SH DEFINED 800 0 0
BP PLC SPONSORED ADR 055622104 742 15873 SH SOLE 12403 3470 0
BP PLC SPONSORED ADR 055622104 202 4312 SH DEFINED 4152 160 0
BURLINGTON NORTHN SANTA FE C COM 12189T104 15 200 SH DEFINED 200 0 0
BURLINGTON NORTHN SANTA FE C COM 12189T104 352 4650 SH SOLE 2900 1750 0
CHESAPEAKE ENERGY CORP COM 165167107 33 2030 SH DEFINED 1230 150 650
CHESAPEAKE ENERGY CORP COM 165167107 254 15708 SH SOLE 14640 743 325
CHEVRON CORP NEW COM 166764100 1361 18394 SH SOLE 14860 3384 150
CHEVRON CORP NEW COM 166764100 112 1520 SH DEFINED 1070 100 350
CISCO SYS INC COM 17275R102 798 48997 SH SOLE 36668 12329 0
CISCO SYS INC COM 17275R102 62 3800 SH DEFINED 2200 0 1600
CITIGROUP INC COM 172967101 61 9143 SH SOLE 5330 3813 0
CITIGROUP INC COM 172967101 25 3751 SH DEFINED 2576 0 1175
COCA COLA CO COM 191216100 762 16825 SH SOLE 13510 3315 0
COCA COLA CO COM 191216100 160 3540 SH DEFINED 2690 150 700
COLGATE PALMOLIVE CO COM 194162103 1353 19739 SH SOLE 16624 3115 0
COLGATE PALMOLIVE CO COM 194162103 134 1961 SH DEFINED 1311 100 550
CONOCOPHILLIPS COM 20825C104 10 200 SH DEFINED 200 0 0
CONOCOPHILLIPS COM 20825C104 218 4201 SH SOLE 3217 984 0
DISNEY WALT CO COM DISNEY 254687106 519 22865 SH SOLE 18310 4555 0
DISNEY WALT CO COM DISNEY 254687106 5 200 SH DEFINED 200 0 0
DTE ENERGY CO COM 233331107 352 9877 SH SOLE 7755 722 1400
DTE ENERGY CO COM 233331107 97 2720 SH DEFINED 720 0 2000
EMERSON ELEC CO COM 291011104 393 10725 SH SOLE 8725 2000 0
EMERSON ELEC CO COM 291011104 11 300 SH DEFINED 300 0 0
ENERGY INCOME & GROWTH FD COM 292697109 302 22050 SH SOLE 12300 9750 0
ENTERGY CORP NEW COM 29364G103 228 2739 SH SOLE 1214 1525 0
EXELON CORP COM 30161N101 196 3525 SH SOLE 2075 1450 0
EXELON CORP COM 30161N101 22 400 SH DEFINED 400 0 0
EXPEDITORS INTL WASH INC COM 302130109 763 22940 SH SOLE 21445 1495 0
EXPEDITORS INTL WASH INC COM 302130109 43 1300 SH DEFINED 200 200 900
EXXON MOBIL CORP COM 30231G102 3471 43476 SH SOLE 38253 5073 150
EXXON MOBIL CORP COM 30231G102 588 7363 SH DEFINED 4868 1270 1225
FORD MTR CO DEL COM PAR $0.01 345370860 26 11503 SH SOLE 7503 4000 0
FORD MTR CO DEL COM PAR $0.01 345370860 20 8950 SH DEFINED 8950 0 0
FPL GROUP INC COM 302571104 31 612 SH SOLE 612 0 0
FPL GROUP INC COM 302571104 176 3500 SH DEFINED 3100 0 400
GENERAL ELECTRIC CO COM 369604103 1617 99867 SH SOLE 88283 11184 400
GENERAL ELECTRIC CO COM 369604103 421 26010 SH DEFINED 23110 900 2000
GENERAL MTRS CORP COM 370442105 64 20000 SH DEFINED 20000 0 0
HANCOCK JOHN PFD INCOME FD SH BEN INT 41013W108 709 51190 SH SOLE 47440 3750 0
HANCOCK JOHN PFD INCOME FD SH BEN INT 41013W108 228 16430 SH DEFINED 11830 0 4600
HEALTH CARE REIT INC COM 42217K106 472 11175 SH SOLE 9500 1675 0
HEALTH CARE REIT INC COM 42217K106 243 5750 SH DEFINED 5750 0 0
INTEL CORP COM 458140100 40 2757 SH SOLE 2757 0 0
INTEL CORP COM 458140100 239 16331 SH DEFINED 15831 500 0
INTERNATIONAL BUSINESS MACHS COM 459200101 364 4323 SH SOLE 2913 1410 0
INTERNATIONAL BUSINESS MACHS COM 459200101 124 1470 SH DEFINED 1470 0 0
ISHARES COMEX GOLD TR ISHARES 464285105 242 2790 SH SOLE 790 2000 0
ISHARES INC MSCI PAC J IDX 464286665 387 14690 SH SOLE 10190 4500 0
ISHARES S&P GSCI COMMODITY I UNIT BEN INT 46428R107 133 4665 SH DEFINED 2565 450 1650
ISHARES S&P GSCI COMMODITY I UNIT BEN INT 46428R107 1785 62393 SH SOLE 59908 2010 475
ISHARES TR BARCLYS 1-3 YR 464287457 2358 27857 SH SOLE 24857 2300 700
ISHARES TR RUSL 2000 GROW 464287648 776 15257 SH SOLE 12282 2975 0
ISHARES TR CONS SRVC IDX 464287580 26 620 SH DEFINED 470 150 0
ISHARES TR CONS SRVC IDX 464287580 377 8901 SH SOLE 8168 558 175
ISHARES TR COHEN&ST RLTY 464287564 103 2335 SH DEFINED 710 375 1250
ISHARES TR COHEN&ST RLTY 464287564 986 22323 SH SOLE 18478 3500 345
ISHARES TR RUSSELL MIDCAP 464287499 211 3538 SH DEFINED 3238 300 0
ISHARES TR RUSSELL MIDCAP 464287499 2607 43648 SH SOLE 40588 2310 750
ISHARES TR MSCI EAFE IDX 464287465 671 14957 SH DEFINED 7372 1335 6250
ISHARES TR BARCLYS 1-3 YR 464287457 510 6025 SH DEFINED 2125 1500 2400
ISHARES TR MSCI EMERG MKT 464287234 483 19334 SH DEFINED 11969 3615 3750
ISHARES TR MSCI EMERG MKT 464287234 4254 170443 SH SOLE 150863 17930 1650
ISHARES TR BARCLYS US AGG B 464287226 1068 10245 SH DEFINED 7045 1200 2000
ISHARES TR BARCLYS US AGG B 464287226 4314 41402 SH SOLE 36502 4300 600
ISHARES TR BARCLYS TIPS BD 464287176 37 375 SH DEFINED 375 0 0
ISHARES TR BARCLYS TIPS BD 464287176 2007 20225 SH SOLE 16825 3400 0
ISHARES TR DJ SEL DIV INX 464287168 129 3125 SH DEFINED 3125 0 0
ISHARES TR DJ SEL DIV INX 464287168 983 23810 SH SOLE 16510 7050 250
ISHARES TR RUSSELL1000GRW 464287614 68 1831 SH DEFINED 1260 571 0
ISHARES TR MSCI EAFE IDX 464287465 6776 151052 SH SOLE 132026 17326 1700
ISHARES TR S&P NATL MUN B 464288414 418 4202 SH SOLE 3602 0 600
ISHARES TR RUSL 2000 GROW 464287648 21 405 SH DEFINED 405 0 0
ISHARES TR S&P NATL MUN B 464288414 209 2100 SH DEFINED 600 1500 0
ISHARES TR DJ US BAS MATL 464287838 90 2427 SH DEFINED 1127 250 1050
ISHARES TR DJ US BAS MATL 464287838 1086 29276 SH SOLE 25573 3703 0
ISHARES TR CONS GOODS IDX 464287812 41 893 SH DEFINED 893 0 0
ISHARES TR CONS GOODS IDX 464287812 1028 22215 SH SOLE 21230 710 275
ISHARES TR DJ US ENERGY 464287796 67 2379 SH DEFINED 2229 150 0
ISHARES TR DJ US ENERGY 464287796 1304 46062 SH SOLE 42207 3255 600
ISHARES TR DJ US FINL SEC 464287788 75 1665 SH DEFINED 465 250 950
ISHARES TR DJ US FINL SEC 464287788 942 20816 SH SOLE 18041 2550 225
ISHARES TR DJ US HEALTHCR 464287762 168 3123 SH DEFINED 1423 300 1400
ISHARES TR DJ US UTILS 464287697 87 1257 SH DEFINED 382 200 675
ISHARES TR DJ US HEALTHCR 464287762 2546 47423 SH SOLE 42328 4770 325
ISHARES TR RUSSELL1000GRW 464287614 159 4278 SH SOLE 4278 0 0
ISHARES TR RUSSELL 2000 464287655 2475 50269 SH SOLE 46203 3841 225
ISHARES TR BARCLYS SH TREA 464288679 273 2475 SH SOLE 2475 0 0
ISHARES TR DJ US UTILS 464287697 2358 34009 SH SOLE 29629 4205 175
ISHARES TR DJ US TELECOMM 464287713 537 32594 SH SOLE 30521 1723 350
ISHARES TR DJ US TELECOMM 464287713 45 2735 SH DEFINED 1785 200 750
ISHARES TR DJ US TECH SEC 464287721 1880 53236 SH SOLE 49348 3488 400
ISHARES TR DJ US TECH SEC 464287721 109 3077 SH DEFINED 2627 450 0
ISHARES TR DJ US INDUSTRL 464287754 1769 41085 SH SOLE 37064 3671 350
ISHARES TR DJ US INDUSTRL 464287754 64 1493 SH DEFINED 993 500 0
ISHARES TR RUSSELL 2000 464287655 348 7071 SH DEFINED 5006 565 1500
JACOBS ENGR GROUP INC DEL COM 469814107 29 600 SH DEFINED 0 100 500
JACOBS ENGR GROUP INC DEL COM 469814107 269 5585 SH SOLE 4590 995 0
JOHNSON & JOHNSON COM 478160104 2071 34609 SH SOLE 29698 4911 0
JOHNSON & JOHNSON COM 478160104 301 5025 SH DEFINED 4025 350 650
JPMORGAN & CHASE & CO COM 46625H100 413 13110 SH SOLE 10483 2627 0
JPMORGAN & CHASE & CO COM 46625H100 23 741 SH DEFINED 0 741 0
LA Z BOY INC COM 505336107 210 96880 SH SOLE 86880 10000 0
LA Z BOY INC COM 505336107 0 100 SH DEFINED 100 0 0
LILLY ELI & CO COM 532457108 178 4426 SH SOLE 3199 1227 0
LILLY ELI & CO COM 532457108 129 3200 SH DEFINED 3200 0 0
MBT FINL CORP COM 578877102 373 123016 SH DEFINED 123016 0 0
MBT FINL CORP COM 578877102 2664 879117 SH SOLE 630569 45781 202767
MCDONALDS CORP COM 580135101 1335 21475 SH SOLE 16976 4499 0
MCDONALDS CORP COM 580135101 133 2137 SH DEFINED 1337 100 700
MEDCO HEALTH SOLUTIONS INC COM 58405U102 205 4888 SH SOLE 2888 2000 0
MEDCO HEALTH SOLUTIONS INC COM 58405U102 71 1700 SH DEFINED 1700 0 0
MEDTRONIC INC COM 585055106 810 25790 SH SOLE 22095 3695 0
MEDTRONIC INC COM 585055106 93 2960 SH DEFINED 1860 200 900
MICROSOFT CORP COM 594918104 1289 66326 SH SOLE 57380 8946 0
MICROSOFT CORP COM 594918104 394 20285 SH DEFINED 17435 1400 1450
NATIONAL CITY CORP COM 635405103 29 16000 SH SOLE 16000 0 0
NATIONAL CITY CORP COM 635405103 6 3212 SH DEFINED 3212 0 0
NOBLE CORPORATION SHS G65422100 729 33010 SH SOLE 28270 4505 235
NOBLE CORPORATION SHS G65422100 38 1700 SH DEFINED 800 350 550
NORFOLK SOUTHERN CORP COM 655844108 121 2563 SH DEFINED 2563 0 0
NORFOLK SOUTHERN CORP COM 655844108 286 6075 SH SOLE 6075 0 0
NUVEEN QUALITY PFD INC FD 3 COM 67072W101 63 12400 SH SOLE 12400 0 0
NUVEEN QUALITY PFD INCOME FD COM 67071S101 377 77605 SH SOLE 76355 1250 0
NUVEEN QUALITY PFD INCOME FD COM 67071S101 92 18840 SH DEFINED 12240 0 6600
NUVEEN QUALITY PFD INCOME FD COM 67072C105 63 12600 SH SOLE 12600 0 0
OCCIDENTAL PETE CORP DEL COM 674599105 1202 20041 SH SOLE 16089 3777 175
OCCIDENTAL PETE CORP DEL COM 674599105 262 4365 SH DEFINED 3865 100 400
ORACLE CORP COM 68389X105 1125 63500 SH SOLE 50308 13192 0
ORACLE CORP COM 68389X105 56 3150 SH DEFINED 750 450 1950
PEPSICO INC COM 713448108 1219 22250 SH SOLE 19500 2700 50
PEPSICO INC COM 713448108 222 4045 SH DEFINED 2720 1075 250
PFIZER INC COM 717081103 26 1450 SH DEFINED 950 500 0
PFIZER INC COM 717081103 206 11618 SH SOLE 8884 2734 0
PHILIP MORRIS INTL INC COM 718172109 1021 23465 SH SOLE 17870 5595 0
PHILIP MORRIS INTL INC COM 718172109 149 3420 SH DEFINED 2920 0 500
PRO PHARMACEUTICALS INC COM 74267T109 1 16000 SH SOLE 16000 0 0
PROCTER & GAMBLE CO COM 742718109 2339 37835 SH SOLE 33002 4833 0
PROCTER & GAMBLE CO COM 742718109 331 5350 SH DEFINED 4250 500 600
ROCKWELL COLLINS INC COM 774341101 405 10360 SH SOLE 9880 480 0
ROCKWELL COLLINS INC COM 774341101 37 950 SH DEFINED 100 150 700
SCHLUMBERGER LTD COM 806857108 223 5275 SH SOLE 5050 225 0
SCHLUMBERGER LTD COM 806857108 44 1050 SH DEFINED 200 0 850
SIMON PPTY GROUP INC NEW COM 828806109 45 850 SH DEFINED 400 0 450
SIMON PPTY GROUP INC NEW COM 828806109 520 9786 SH SOLE 8425 1361 0
SOUTHERN CO COM 842587107 271 7323 SH SOLE 5523 1800 0
SOUTHERN CO COM 842587107 131 3550 SH DEFINED 3550 0 0
STRYKER CORP COM 863667101 541 13550 SH SOLE 11150 2000 400
STRYKER CORP COM 863667101 26 650 SH DEFINED 650 0 0
TCW STRATEGIC INCOME FUND IN COM 872340104 11 3650 SH SOLE 3650 0 0
TCW STRATEGIC INCOME FUND IN COM 872340104 84 27500 SH DEFINED 27500 0 0
UNITED TECHNOLOGIES CORP COM 913017109 367 6840 SH SOLE 4715 2125 0
UNITED TECHNOLOGIES CORP COM 913017109 27 500 SH DEFINED 500 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 521 6470 SH SOLE 5520 950 0
VERIZON COMMUNICATIONS INC COM 92343V104 298 8783 SH SOLE 6232 2101 450
VERIZON COMMUNICATIONS INC COM 92343V104 100 2950 SH DEFINED 2950 0 0
WAL MART STORES INC COM 931142103 256 4560 SH DEFINED 3650 210 700
WAL MART STORES INC COM 931142103 687 12257 SH SOLE 11242 1015 0
WASTE MGMT INC DEL COM 94106L109 240 7235 SH SOLE 6225 1010 0
WASTE MGMT INC DEL COM 94106L109 15 450 SH DEFINED 450 0 0
WELLS FARGO & CO NEW COM 949746101 521 17675 SH SOLE 15975 1400 300
WELLS FARGO & CO NEW COM 949746101 166 5641 SH DEFINED 2750 2891 0
WINDSTREAM CORP COM 97381W104 8 826 SH DEFINED 826 0 0
WINDSTREAM CORP COM 97381W104 132 14350 SH SOLE 8350 6000 0