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, 2002 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 January 16, 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: 114 Form13F Information Table Value Total: $157,321 (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 308 2500 SH SOLE 2200 300 0 ABBOTT LABS COM 002824100 342 8567 SH SOLE 8167 400 0 ALCOA INC COM 013817101 210 9240 SH SOLE 9140 100 0 ALLTEL CORP COM 020039103 1667 32697 SH SOLE 27362 5135 200 ALLTEL CORP COM 020039103 502 9850 SH DEFINED 9850 0 0 AMERICAN INTL GROUP INC COM 026874107 1596 27594 SH SOLE 24725 2682 187 AMERICAN INTL GROUP INC COM 026874107 440 7623 SH DEFINED 3295 3697 631 ANHEUSER BUSCH COS INC COM 035229103 1364 28195 SH SOLE 20095 8100 0 AOL TIME WARNER INC COM 00184A105 173 13218 SH SOLE 13218 0 0 AQUILA INC COM 03840P102 49 28388 SH SOLE 28388 0 0 ATMEL CORP COM 049513104 89 40000 SH SOLE 2000 38000 0 AUTOMATIC DATA PROCESSING IN COM 053015103 373 9525 SH DEFINED 8425 1100 0 AUTOMATIC DATA PROCESSING IN COM 053015103 1463 37284 SH SOLE 36184 800 300 BANK ONE CORP COM 06423A103 570 15619 SH SOLE 15419 200 0 BED BATH & BEYOND INC COM 075896100 2408 69785 SH SOLE 54740 14970 75 BED BATH & BEYOND INC COM 075896100 449 13025 SH DEFINED 11850 1175 0 BELLSOUTH CORP COM 079860102 488 18892 SH SOLE 17892 1000 0 BELLSOUTH CORP COM 079860102 363 14066 SH DEFINED 11025 1041 2000 BP PLC SPONSORED ADR 055622104 2647 65127 SH SOLE 55282 9845 0 BRISTOL MYERS SQUIBB CO COM 110122108 483 20908 SH SOLE 20208 700 0 BRISTOL MYERS SQUIBB CO COM 110122108 210 9100 SH DEFINED 200 800 8100 CHEVRONTEXACO CORP COM 166764100 332 5005 SH SOLE 5005 0 0 CHEVRONTEXACO CORP COM 166764100 218 3290 SH DEFINED 3213 77 0 CINTAS CORP COM 172908105 269 5900 SH DEFINED 5900 0 0 CINTAS CORP COM 172908105 467 10225 SH SOLE 9150 625 450 CISCO SYS INC COM 17275R102 447 34175 SH SOLE 11185 22900 90 CISCO SYS INC COM 17275R102 195 14924 SH DEFINED 12664 380 1880 CITIGROUP INC COM 172967101 983 27954 SH SOLE 23624 4330 0 CITIGROUP INC COM 172967101 252 7177 SH DEFINED 3575 500 3102 CLAIRES STORES INC COM 179584107 363 16500 SH SOLE 16500 0 0 COCA COLA CO COM 191216100 907 20704 SH SOLE 18804 1900 0 COCA COLA CO COM 191216100 387 8840 SH DEFINED 5180 1000 2660 COLGATE PALMOLIVE CO COM 194162103 506 9662 SH SOLE 7812 1850 0 COMERICA INC COM 200340107 3234 74814 SH SOLE 59614 15200 0 COOPER TIRE & RUBR CO COM 216831107 191 12500 SH SOLE 12500 0 0 DISNEY WALT CO COM DISNEY 254687106 315 19369 SH SOLE 18119 1250 0 DOW CHEM CO COM 260543103 312 10536 SH SOLE 10536 0 0 DTE ENERGY CO COM 233331107 560 12073 SH SOLE 10863 1210 0 DTE ENERGY CO COM 233331107 302 6530 SH DEFINED 3230 0 3300 E M C CORP MASS COM 268648102 62 10215 SH DEFINED 4215 6000 0 EMERSON ELEC CO COM 291011104 684 13457 SH SOLE 11450 1807 200 EXXON MOBIL CORP COM 30231G102 5134 146987 SH SOLE 115917 31070 0 EXXON MOBIL CORP COM 30231G102 402 11520 SH DEFINED 5400 1094 5026 FEDERAL HOME LN MTG CORP COM 313400301 737 12495 SH SOLE 12270 225 0 FEDERAL HOME LN MTG CORP COM 313400301 346 5875 SH DEFINED 5875 0 0 FEDERAL NATL MTG ASSN COM 313586109 1601 24896 SH SOLE 23146 1500 250 FEDERAL NATL MTG ASSN COM 313586109 567 8825 SH DEFINED 6025 1700 1100 FIFTH THIRD BANCORP COM 316773100 967 16520 SH SOLE 16520 0 0 FIFTH THIRD BANCORP COM 316773100 466 7971 SH DEFINED 2956 5015 0 FORD MTR CO DEL COM PAR $0.01 345370860 620 66711 SH SOLE 49833 14103 2775 FORD MTR CO DEL COM PAR $0.01 345370860 247 26614 SH DEFINED 13387 8595 4632 FORTUNE BRANDS INC COM 349631101 1822 39192 SH SOLE 30717 8475 0 FORTUNE BRANDS INC COM 349631101 234 5050 SH DEFINED 4550 500 0 GENERAL ELEC CO COM 369604103 6498 266969 SH SOLE 247644 18275 1050 GENERAL ELEC CO COM 369604103 969 39816 SH DEFINED 21213 8480 10123 GENESCO INC COM 371532102 320 17225 SH SOLE 15125 2100 0 GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 437 11675 SH SOLE 10648 1027 0 HARLEY DAVIDSON INC COM 412822108 1102 23870 SH SOLE 18670 4750 450 HARLEY DAVIDSON INC COM 412822108 258 5600 SH DEFINED 5600 0 0 HOME DEPOT INC COM 437076102 922 38417 SH SOLE 27942 10075 400 HOME DEPOT INC COM 437076102 328 13680 SH DEFINED 8530 700 4450 IFC CAP TR III PFD CV TR SECS 449498203 201 7200 SH SOLE 7200 0 0 INTEL CORP COM 458140100 3143 201902 SH SOLE 191772 8315 1815 INTEL CORP COM 458140100 871 55955 SH DEFINED 49555 6400 0 INTERNATIONAL BUSINESS MACHS COM 459200101 573 7402 SH SOLE 5860 1342 200 INTERNATIONAL BUSINESS MACHS COM 459200101 621 8014 SH DEFINED 6210 1804 0 INTL PAPER CO COM 460146103 423 12104 SH SOLE 12104 0 0 JOHNSON & JOHNSON COM 478160104 2832 52755 SH SOLE 38475 13530 750 JOHNSON & JOHNSON COM 478160104 684 12748 SH DEFINED 11748 1000 0 K MART CORP COM 482584109 2 10800 SH DEFINED 10400 0 400 KIMBERLY CLARK CORP COM 494368103 1586 33415 SH SOLE 21590 11825 0 KIMBERLY CLARK CORP COM 494368103 424 8936 SH DEFINED 8425 511 0 KOHLS CORP COM 500255104 443 7923 SH SOLE 7435 488 0 LA Z BOY INC COM 505336107 52699 2198554 SH SOLE 808200 1390354 0 LA Z BOY INC COM 505336107 4651 194075 SH DEFINED 194075 0 0 LILLY ELI & CO COM 532457108 490 7718 SH SOLE 7718 0 0 LOWES COS INC COM 548661107 1535 40955 SH SOLE 31210 9745 0 LOWES COS INC COM 548661107 572 15260 SH DEFINED 12510 850 1900 MARATHON OIL CORP COM 565849106 384 18085 SH SOLE 14710 2375 1000 MERCANTILE BANK CORP COM 587376104 2158 91318 SH SOLE 27216 64102 0 MERCANTILE BANK CORP COM 587376104 830 35150 SH DEFINED 34650 500 0 MERCK & CO INC COM 589331107 2524 44590 SH SOLE 29150 15440 0 MERCK & CO INC COM 589331107 611 10803 SH DEFINED 6209 1600 2994 MICROSOFT CORP COM 594918104 4043 78217 SH SOLE 71712 6085 420 MICROSOFT CORP COM 594918104 931 18025 SH DEFINED 12050 5750 225 NATIONAL CITY CORP COM 635405103 1663 60920 SH SOLE 46020 14900 0 NOBLE CORPORATION SHS G65422100 485 13820 SH SOLE 11770 1850 200 NUCO2 INC COM 629428103 103 12900 SH DEFINED 12900 0 0 OWENS CORNING COM 69073F103 5 14050 SH SOLE 3350 8500 2200 PEPSICO INC COM 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