UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 13F Form 13F COVER PAGE Report for the Calendar Year or Quarter Ended: September 30, 2004 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 October 21, 2004 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: 208 Form13F Information Table Value Total: $245,721 (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 198 2480 SH DEFINED 1880 0 600 3M CO COM 88579Y101 335 4200 SH SOLE 3600 600 0 ABBOTT LABS COM 002824100 299 7082 SH SOLE 6682 400 0 ABBOTT LABS COM 002824100 297 7016 SH DEFINED 5395 1621 0 ALCOA INC COM 013817101 52 1550 SH DEFINED 300 1250 0 ALCOA INC COM 013817101 318 9475 SH SOLE 8625 850 0 ALLTEL CORP COM 020039103 329 6005 SH DEFINED 5525 280 200 ALLTEL CORP COM 020039103 3014 54917 SH SOLE 37557 16860 500 ALTRIA GROUP INC COM 02209S103 237 5050 SH SOLE 3750 0 1300 ALTRIA GROUP INC COM 02209S103 72 1535 SH DEFINED 1535 0 0 AMERICAN INTL GROUP INC COM 026874107 3319 48831 SH SOLE 44187 4457 187 AMERICAN INTL GROUP INC COM 026874107 691 10178 SH DEFINED 4960 3587 1631 AMGEN INC COM 031162100 3663 64493 SH SOLE 43428 20715 350 AMGEN INC COM 031162100 505 8895 SH DEFINED 6545 1400 950 ANHEUSER BUSCH COS INC COM 035229103 1062 21275 SH SOLE 13375 7900 0 ANHEUSER BUSCH COS INC COM 035229103 248 4985 SH DEFINED 3885 0 1100 APACHE CORP COM 037411105 417 8325 SH DEFINED 5575 2350 400 APACHE CORP COM 037411105 2854 56962 SH SOLE 50035 6702 225 APPLEBEES INTL INC COM 037899101 195 7726 SH SOLE 5776 1950 0 APPLEBEES INTL INC COM 037899101 96 3824 SH DEFINED 1125 1687 1012 AUTOMATIC DATA PROCESSING IN COM 053015103 124 3015 SH DEFINED 2800 215 0 AUTOMATIC DATA PROCESSING IN COM 053015103 1098 26584 SH SOLE 25734 850 0 BED BATH & BEYOND INC COM 075896100 1602 43185 SH SOLE 27290 15820 75 BED BATH & BEYOND INC COM 075896100 75 2030 SH DEFINED 1500 530 0 BELLSOUTH CORP COM 079860102 275 10150 SH SOLE 10150 0 0 BELLSOUTH CORP COM 079860102 95 3520 SH DEFINED 3520 0 0 BP PLC SPONSORED ADR 055622104 2385 41477 SH SOLE 31732 9745 0 BP PLC SPONSORED ADR 055622104 147 2568 SH DEFINED 2568 0 0 BRISTOL MYERS SQUIBB CO COM 110122108 515 21800 SH SOLE 21700 0 100 BRISTOL MYERS SQUIBB CO COM 110122108 54 2300 SH DEFINED 0 0 2300 CHEVRONTEXACO CORP COM 166764100 54 1016 SH SOLE 1016 0 0 CHEVRONTEXACO CORP COM 166764100 204 3808 SH DEFINED 3808 0 0 CHICOS FAS INC COM 168615102 102 3000 SH DEFINED 2700 300 0 CHICOS FAS INC COM 168615102 872 25513 SH SOLE 22263 3250 0 CINTAS CORP COM 172908105 297 7075 SH SOLE 6275 800 0 CINTAS CORP COM 172908105 37 900 SH DEFINED 900 0 0 CISCO SYS INC COM 17275R102 1721 95155 SH SOLE 60155 29750 5250 CISCO SYS INC COM 17275R102 235 13009 SH DEFINED 9629 1180 2200 CITIGROUP INC COM 172967101 1018 23081 SH SOLE 20659 2342 80 CITIGROUP INC COM 172967101 413 9383 SH DEFINED 6240 300 2843 CLAIRES STORES INC COM 179584107 265 10600 SH SOLE 10600 0 0 CLAIRES STORES INC COM 179584107 50 2000 SH DEFINED 2000 0 0 COCA COLA CO COM 191216100 183 4580 SH DEFINED 880 1000 2700 COCA COLA CO COM 191216100 470 11750 SH SOLE 11075 675 0 COLGATE PALMOLIVE CO COM 194162103 425 9414 SH SOLE 8214 1000 200 COLGATE PALMOLIVE CO COM 194162103 51 1139 SH DEFINED 1086 53 0 COMERICA INC COM 200340107 1212 20426 SH SOLE 20426 0 0 COMERICA INC COM 200340107 127 2145 SH DEFINED 1945 200 0 COMPUWARE CORP COM 205638109 4 800 SH SOLE 0 800 0 COMPUWARE CORP COM 205638109 54 10625 SH DEFINED 5625 1700 3300 CONAGRA FOODS INC COM 205887102 196 7650 SH SOLE 7650 0 0 CONAGRA FOODS INC COM 205887102 7 300 SH DEFINED 300 0 0 COOPER TIRE & RUBR CO COM 216831107 191 9500 SH SOLE 9500 0 0 COOPER TIRE & RUBR CO COM 216831107 14 700 SH DEFINED 700 0 0 DELL INC COM 24702R101 48 1352 SH DEFINED 702 375 275 DELL INC COM 24702R101 287 8084 SH SOLE 4044 3150 890 DISNEY WALT CO COM DISNEY 254687106 71 3150 SH DEFINED 150 3000 0 DISNEY WALT CO COM DISNEY 254687106 231 10279 SH SOLE 9079 1200 0 DOW CHEM CO COM 260543103 530 11746 SH SOLE 11746 0 0 DOW CHEM CO COM 260543103 167 3704 SH DEFINED 3204 0 500 DTE ENERGY CO COM 233331107 555 13161 SH SOLE 11863 1051 247 DTE ENERGY CO COM 233331107 420 9973 SH DEFINED 6073 0 3900 EXXON MOBIL CORP COM 30231G102 5333 110354 SH SOLE 77975 31079 1300 EXXON MOBIL CORP COM 30231G102 765 15836 SH DEFINED 13436 0 2400 FEDERAL NATL MTG ASSN COM 313586109 818 12909 SH SOLE 12165 400 344 FEDERAL NATL MTG ASSN COM 313586109 218 3450 SH DEFINED 925 1425 1100 FIFTH THIRD BANCORP COM 316773100 788 16020 SH SOLE 16020 0 0 FIFTH THIRD BANCORP COM 316773100 207 4221 SH DEFINED 1186 3035 0 FIRST DATA CORP COM 319963104 2018 46410 SH SOLE 36985 9125 300 FIRST DATA CORP COM 319963104 253 5825 SH DEFINED 4900 925 0 FORD MTR CO DEL COM PAR $0.01 345370860 354 25236 SH SOLE 17751 7485 0 FORD MTR CO DEL COM PAR $0.01 345370860 217 15459 SH DEFINED 11364 995 3100 FORTUNE BRANDS INC COM 349631101 396 5350 SH DEFINED 4905 325 120 FORTUNE BRANDS INC COM 349631101 3248 43852 SH SOLE 34602 9150 100 GANNETT INC COM 364730101 4504 53784 SH SOLE 39884 13650 250 GANNETT INC COM 364730101 649 7750 SH DEFINED 5875 675 1200 GENERAL ELEC CO COM 369604103 9101 271124 SH SOLE 224376 44298 2450 GENERAL ELEC CO COM 369604103 1358 40473 SH DEFINED 22310 8163 10000 GENERAL MTRS CORP COM 370442105 155 3661 SH SOLE 3161 500 0 GENERAL MTRS CORP COM 370442105 111 2631 SH DEFINED 1996 335 300 GENESCO INC COM 371532102 327 13900 SH SOLE 11800 2100 0 GENESCO INC COM 371532102 70 3000 SH DEFINED 3000 0 0 GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 510 11675 SH SOLE 9648 1027 1000 GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 29 683 SH DEFINED 683 0 0 HARLEY DAVIDSON INC COM 412822108 1041 17525 SH SOLE 13193 3550 782 HARLEY DAVIDSON INC COM 412822108 83 1410 SH DEFINED 1400 0 10 HEALTH CARE REIT INC COM 42217K106 334 9500 SH DEFINED 7225 0 2275 HEALTH CARE REIT INC COM 42217K106 766 21785 SH SOLE 20660 925 200 HOME DEPOT INC COM 437076102 1430 36495 SH SOLE 24320 11775 400 HOME DEPOT INC COM 437076102 331 8450 SH DEFINED 3525 475 4450 IFC CAP TR III PFD CV TR SECS 449498203 232 6800 SH SOLE 6800 0 0 INTEL CORP COM 458140100 6062 302376 SH SOLE 243731 56995 1650 INTEL CORP COM 458140100 964 48115 SH DEFINED 37505 8110 2500 INTERNATIONAL BUSINESS MACHS COM 459200101 283 3310 SH DEFINED 2310 1000 0 INTERNATIONAL BUSINESS MACHS COM 459200101 492 5743 SH SOLE 4601 942 200 INTL PAPER CO COM 460146103 299 7414 SH SOLE 7414 0 0 INTL PAPER CO COM 460146103 322 7976 SH DEFINED 7476 500 0 ISHARES TR RUSSELL1000GRW 464287614 1768 39131 SH SOLE 36171 1060 1900 ISHARES TR RUSSELL1000VAL 464287598 49 810 SH DEFINED 810 0 0 ISHARES TR RUSSELL1000VAL 464287598 579 9577 SH SOLE 9327 50 200 ISHARES TR MSCI EAFE IDX 464287465 225 1594 SH SOLE 1310 284 0 ISHARES TR GLMN SCHS SOFT 464287515 122 3525 SH DEFINED 3525 0 0 ISHARES TR GLMN SCHS SOFT 464287515 746 21542 SH SOLE 16767 4475 300 ISHARES TR RUSSELL MIDCAP 464287499 547 7815 SH DEFINED 5130 1200 1485 ISHARES TR RUSSELL MIDCAP 464287499 6375 90936 SH SOLE 69016 20895 1025 ISHARES TR DJ US UTILS 464287697 68 1100 SH DEFINED 900 200 0 ISHARES TR RUSSELL MCP GR 464287481 24 330 SH DEFINED 330 0 0 ISHARES TR RUSSELL MCP GR 464287481 417 5595 SH SOLE 4195 1300 100 ISHARES TR RUSSELL MCP VL 464287473 43 440 SH DEFINED 140 300 0 ISHARES TR MSCI EAFE IDX 464287465 117 830 SH DEFINED 605 225 0 ISHARES TR S&P 500 INDEX 464287200 248 2225 SH SOLE 2225 0 0 ISHARES TR RUSSELL MCP VL 464287473 377 3775 SH SOLE 2175 1000 600 ISHARES TR DJ US TELECOMM 464287713 40 1800 SH DEFINED 1800 0 0 ISHARES TR RUSSELL1000GRW 464287614 171 3790 SH DEFINED 2780 260 750 ISHARES TR RUSSELL 2000 464287655 233 2050 SH DEFINED 1750 300 0 ISHARES TR DJ US INDUSTRL 464287754 2405 46715 SH SOLE 25965 20350 400 ISHARES TR DJ US TECH SEC 464287721 1187 27641 SH SOLE 26291 1350 0 ISHARES TR DJ US INDUSTRL 464287754 211 4100 SH DEFINED 3250 650 200 ISHARES TR DJ US TELECOMM 464287713 267 11810 SH SOLE 9710 2100 0 ISHARES TR DJ US UTILS 464287697 945 15290 SH SOLE 12665 2625 0 ISHARES TR RUSSELL 2000 464287655 2630 23102 SH SOLE 16902 6200 0 ISHARES TR RUSL 2000 GROW 464287648 164 2800 SH DEFINED 1900 25 875 ISHARES TR RUSL 2000 GROW 464287648 2056 35107 SH SOLE 31707 2100 1300 ISHARES TR RUSSELL 1000 464287622 60 1020 SH DEFINED 720 300 0 ISHARES TR RUSSELL 1000 464287622 623 10460 SH SOLE 9870 590 0 ISHARES TR DJ US TECH SEC 464287721 228 5325 SH DEFINED 4975 150 200 JOHNSON & JOHNSON COM 478160104 2495 44305 SH SOLE 29680 13600 1025 JOHNSON & JOHNSON COM 478160104 382 6790 SH DEFINED 6790 0 0 JOHNSON CTLS INC COM 478366107 851 14985 SH SOLE 12200 2435 350 JOHNSON CTLS INC COM 478366107 180 3170 SH DEFINED 2670 500 0 JPMORGAN & CHASE & CO COM 46625H100 863 21744 SH SOLE 21380 364 0 JPMORGAN & CHASE & CO COM 46625H100 148 3735 SH DEFINED 2545 1190 0 KIMBERLY CLARK CORP COM 494368103 253 3925 SH SOLE 2900 1025 0 KIMBERLY CLARK CORP COM 494368103 58 900 SH DEFINED 900 0 0 KINDER MORGAN ENERGY PARTNER UT LTD PARTNER 494550106 631 13480 SH SOLE 12005 1250 225 KINDER MORGAN ENERGY PARTNER UT LTD PARTNER 494550106 164 3510 SH DEFINED 2710 200 600 LA Z BOY INC COM 505336107 22097 1455667 SH SOLE 258673 1196649 345 LA Z BOY INC COM 505336107 3052 201095 SH DEFINED 201095 0 0 LILLY ELI & CO COM 532457108 498 8300 SH SOLE 8300 0 0 LILLY ELI & CO COM 532457108 145 2427 SH DEFINED 2400 27 0 LIMITED BRANDS INC COM 532716107 202 9094 SH SOLE 8494 600 0 LIZ CLAIBORNE INC COM 539320101 148 3950 SH SOLE 3850 100 0 LIZ CLAIBORNE INC COM 539320101 68 1820 SH DEFINED 1650 170 0 LOWES COS INC COM 548661107 4289 78943 SH SOLE 61128 17540 275 LOWES COS INC COM 548661107 796 14655 SH DEFINED 11065 1390 2200 MANULIFE FINL CORP COM 56501R106 276 6319 SH SOLE 6299 20 0 MANULIFE FINL CORP COM 56501R106 51 1185 SH DEFINED 1185 0 0 MBT FINL CORP COM 578877102 8723 444636 SH DEFINED 439736 400 4500 MBT FINL CORP COM 578877102 45466 2317363 SH SOLE 1452350 601346 263667 MDU RES GROUP INC COM 552690109 167 6363 SH SOLE 6363 0 0 MDU RES GROUP INC COM 552690109 206 7843 SH DEFINED 7843 0 0 MEDTRONIC INC COM 585055106 551 10625 SH SOLE 7725 2400 500 MEDTRONIC INC COM 585055106 89 1715 SH DEFINED 950 765 0 MERCANTILE BANK CORP COM 587376104 3023 86774 SH SOLE 36374 50100 300 MERCANTILE BANK CORP COM 587376104 276 7928 SH DEFINED 6012 866 1050 MERCK & CO INC COM 589331107 604 18336 SH SOLE 14096 4240 0 MERCK & CO INC COM 589331107 187 5700 SH DEFINED 4900 800 0 MICROSOFT CORP COM 594918104 7086 256382 SH SOLE 203100 51557 1725 MICROSOFT CORP COM 594918104 1080 39077 SH DEFINED 25920 10657 2500 NATIONAL CITY CORP COM 635405103 2354 60983 SH SOLE 29747 14900 16336 NATIONAL CITY CORP COM 635405103 526 13640 SH DEFINED 13440 200 0 NOBLE CORPORATION SHS G65422100 589 13120 SH SOLE 11120 2000 0 NOBLE CORPORATION SHS G65422100 50 1125 SH DEFINED 800 325 0 NORFOLK SOUTHERN CORP COM 655844108 71 2413 SH DEFINED 2413 0 0 NORFOLK SOUTHERN CORP COM 655844108 170 5750 SH SOLE 5750 0 0 PACTIV CORP COM 695257105 172 7400 SH SOLE 7400 0 0 PACTIV CORP COM 695257105 36 1553 SH DEFINED 1553 0 0 PEPSICO INC COM 713448108 2523 51868 SH SOLE 44278 5975 1615 PEPSICO INC COM 713448108 623 12825 SH DEFINED 7100 3210 2515 PFIZER INC COM 717081103 6389 208873 SH SOLE 158168 49480 1225 PFIZER INC COM 717081103 1645 53791 SH DEFINED 46004 5900 1887 PINNACLE FINL PARTNERS INC COM 72346Q104 1881 87500 SH SOLE 49542 37058 900 PINNACLE FINL PARTNERS INC COM 72346Q104 308 14350 SH DEFINED 11350 2500 500 PROCTER & GAMBLE CO COM 742718109 3311 61193 SH SOLE 47089 13654 450 PROCTER & GAMBLE CO COM 742718109 1158 21418 SH DEFINED 17650 1368 2400 REPUBLIC BANCORP INC COM 760282103 445 28957 SH SOLE 21950 0 7007 SBC COMMUNICATIONS INC COM 78387G103 124 4783 SH DEFINED 1932 1403 1448 SBC COMMUNICATIONS INC COM 78387G103 936 36076 SH SOLE 32198 3026 852 SKY FINL GROUP INC COM 83080P103 321 12855 SH SOLE 12855 0 0 SKY FINL GROUP INC COM 83080P103 17 687 SH DEFINED 687 0 0 SOUTHERN CO COM 842587107 141 4736 SH DEFINED 4736 0 0 SOUTHERN CO COM 842587107 82 2750 SH SOLE 1200 1350 200 STRYKER CORP COM 863667101 713 14830 SH SOLE 12180 2350 300 STRYKER CORP COM 863667101 153 3190 SH DEFINED 2690 100 400 SUNGARD DATA SYS INC COM 867363103 1867 78570 SH SOLE 53600 24970 0 SUNGARD DATA SYS INC COM 867363103 195 8210 SH DEFINED 5885 1025 1300 SYSCO CORP COM 871829107 1359 45450 SH SOLE 33200 11850 400 SYSCO CORP COM 871829107 130 4350 SH DEFINED 4150 200 0 TCW CONV SECS FD INC COM 872340104 420 86870 SH SOLE 86470 400 0 TCW CONV SECS FD INC COM 872340104 180 37200 SH DEFINED 37200 0 0 TEVA PHARMACEUTICAL INDS LTD ADR 881624209 88 3400 SH DEFINED 2025 1375 0 TEVA PHARMACEUTICAL INDS LTD ADR 881624209 192 7400 SH SOLE 3050 4000 350 TYCO INTL LTD NEW COM 902124106 301 9844 SH SOLE 9534 310 0 TYCO INTL LTD NEW COM 902124106 95 3100 SH DEFINED 1600 1500 0 US BANCORP DEL COM NEW 902973304 1268 43925 SH SOLE 40050 2875 1000 US BANCORP DEL COM NEW 902973304 319 11050 SH DEFINED 8100 1250 1700 VERIZON COMMUNICATIONS COM 92343V104 1224 31106 SH SOLE 26018 4574 514 VERIZON COMMUNICATIONS COM 92343V104 276 7010 SH DEFINED 6110 0 900 WAL MART STORES INC 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