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, 2005
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: Linda R. Floyd
Title: Operations Manager
Phone: (734) 384-8132
Signature, Place, and Date of Signing:
/s/ Linda R. Floyd Monroe, MI February 03, 2006
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: 256
Form13F Information Table Value Total: $219,347 (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 102 1325 SH SOLE 725 600 0
3M CO COM 88579Y101 192 2480 SH DEFINED 1880 0 600
ABBOTT LABS COM 002824100 531 13487 SH SOLE 10977 2510 0
ABBOTT LABS COM 002824100 202 5125 SH DEFINED 3525 1600 0
ACCENTURE LTD BERMUDA CL A G1150G111 103 3574 SH DEFINED 2300 1274 0
ACCENTURE LTD BERMUDA CL A G1150G111 445 15435 SH SOLE 11230 4205 0
ACCO BRANDS CORP COM 00081T108 212 8676 SH SOLE 5873 2780 23
ACCO BRANDS CORP COM 00081T108 23 965 SH DEFINED 866 76 23
ALCOA INC COM 013817101 215 7275 SH SOLE 7275 0 0
ALCOA INC COM 013817101 23 800 SH DEFINED 0 800 0
ALLTEL CORP COM 020039103 290 4605 SH DEFINED 4125 280 200
ALLTEL CORP COM 020039103 2903 46016 SH SOLE 30531 15485 0
ALTRIA GROUP INC COM 02209S103 1068 14300 SH SOLE 8435 4565 1300
ALTRIA GROUP INC COM 02209S103 43 580 SH DEFINED 580 0 0
AMBAC FINL GROUP INC COM 023139108 183 2380 SH SOLE 2050 330 0
AMBAC FINL GROUP INC COM 023139108 39 515 SH DEFINED 300 215 0
AMERICA MOVIL S A DE C V SPON ADR L SHS 02364W105 193 6600 SH SOLE 6600 0 0
AMERICA MOVIL S A DE C V SPON ADR L SHS 02364W105 70 2400 SH DEFINED 2400 0 0
AMERICAN INTL GROUP INC COM 026874107 124 1826 SH DEFINED 1611 215 0
AMERICAN INTL GROUP INC COM 026874107 640 9391 SH SOLE 8936 455 0
AMGEN INC COM 031162100 4429 56171 SH SOLE 39631 16440 100
AMGEN INC COM 031162100 823 10438 SH DEFINED 8088 1400 950
ANHEUSER BUSCH COS INC COM 035229103 89 2085 SH DEFINED 2085 0 0
ANHEUSER BUSCH COS INC COM 035229103 236 5500 SH SOLE 5000 500 0
APACHE CORP COM 037411105 4497 65637 SH SOLE 57410 8227 0
APACHE CORP COM 037411105 760 11100 SH DEFINED 8350 2350 400
AT&T INC COM 00206R102 96 3951 SH DEFINED 1100 1403 1448
AT&T INC COM 00206R102 529 21624 SH SOLE 19272 1500 852
AUTOMATIC DATA PROCESSING IN COM 053015103 2361 51444 SH SOLE 44109 7335 0
AUTOMATIC DATA PROCESSING IN COM 053015103 117 2565 SH DEFINED 2350 215 0
BANK NEW YORK INC COM 064057102 137 4325 SH SOLE 4140 185 0
BANK NEW YORK INC COM 064057102 100 3158 SH DEFINED 3000 158 0
BANK OF AMERICA CORPORATION COM 060505104 726 15749 SH SOLE 13069 2680 0
BANK OF AMERICA CORPORATION COM 060505104 174 3778 SH DEFINED 3778 0 0
BED BATH & BEYOND INC COM 075896100 1376 38100 SH SOLE 23790 14310 0
BED BATH & BEYOND INC COM 075896100 73 2030 SH DEFINED 1500 530 0
BORG WARNER INC COM 099724106 106 1750 SH SOLE 1750 0 0
BORG WARNER INC COM 099724106 113 1875 SH DEFINED 1875 0 0
BP PLC SPONSORED ADR 055622104 2662 41452 SH SOLE 30522 10930 0
BP PLC SPONSORED ADR 055622104 209 3256 SH DEFINED 3256 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 277 12100 SH SOLE 12100 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 16 700 SH DEFINED 0 0 700
CARNIVAL CORP PAIRED CTF 143658300 283 4985 SH SOLE 3485 1500 0
CHEVRON CORP NEW COM 166764100 198 3499 SH SOLE 3499 0 0
CHEVRON CORP NEW COM 166764100 212 3750 SH DEFINED 3750 0 0
CHICOS FAS INC COM 168615102 253 5775 SH DEFINED 5175 600 0
CHICOS FAS INC COM 168615102 1976 45000 SH SOLE 38950 6050 0
CISCO SYS INC COM 17275R102 230 13485 SH SOLE 6735 2250 4500
CISCO SYS INC COM 17275R102 80 4684 SH DEFINED 3504 1180 0
CITIGROUP INC COM 172967101 1247 25709 SH SOLE 24378 1331 0
CITIGROUP INC COM 172967101 541 11158 SH DEFINED 6415 300 4443
CLAIRES STORES INC COM 179584107 184 6300 SH SOLE 6300 0 0
CLAIRES STORES INC COM 179584107 58 2000 SH DEFINED 2000 0 0
COCA COLA CO COM 191216100 242 6020 SH SOLE 5570 450 0
COCA COLA CO COM 191216100 166 4130 SH DEFINED 1630 1000 1500
COLGATE PALMOLIVE CO COM 194162103 935 17055 SH SOLE 15625 1430 0
COLGATE PALMOLIVE CO COM 194162103 123 2261 SH DEFINED 611 800 850
COMERICA INC COM 200340107 649 11445 SH SOLE 11445 0 0
COMERICA INC COM 200340107 63 1110 SH DEFINED 910 200 0
CVS CORP COM 126650100 81 3100 SH DEFINED 2500 0 600
CVS CORP COM 126650100 150 5708 SH SOLE 5108 600 0
DANAHER CORP DEL COM 235851102 222 3985 SH DEFINED 3700 285 0
DANAHER CORP DEL COM 235851102 845 15160 SH SOLE 9705 5455 0
DELL INC COM 24702R101 155 5187 SH DEFINED 4187 725 275
DELL INC COM 24702R101 1164 38885 SH SOLE 22735 16150 0
DOMINION RES INC VA NEW COM 25746U109 389 5044 SH SOLE 1490 3554 0
DOVER CORP COM 260003108 602 14885 SH SOLE 11175 3710 0
DOVER CORP COM 260003108 138 3425 SH DEFINED 2425 1000 0
DOW CHEM CO COM 260543103 109 2500 SH DEFINED 2000 0 500
DOW CHEM CO COM 260543103 555 12684 SH SOLE 12684 0 0
DTE ENERGY CO COM 233331107 717 16608 SH SOLE 15196 1265 147
DTE ENERGY CO COM 233331107 344 7988 SH DEFINED 4388 0 3600
DUKE ENERGY CORP COM 264399106 102 3750 SH SOLE 3750 0 0
DUKE ENERGY CORP COM 264399106 148 5400 SH DEFINED 1500 0 3900
E M C CORP MASS COM 268648102 325 23930 SH SOLE 8795 15135 0
E M C CORP MASS COM 268648102 126 9270 SH DEFINED 4270 5000 0
E TRADE FINANCIAL CORP COM 269246104 272 13075 SH SOLE 12475 600 0
E TRADE FINANCIAL CORP COM 269246104 9 450 SH DEFINED 450 0 0
EMERSON ELEC CO COM 291011104 220 2950 SH SOLE 2350 600 0
EXELON CORP COM 30161N101 386 7277 SH SOLE 6752 525 0
EXELON CORP COM 30161N101 7 150 SH DEFINED 0 150 0
EXXON MOBIL CORP COM 30231G102 832 14818 SH DEFINED 12418 0 2400
EXXON MOBIL CORP COM 30231G102 5149 91671 SH SOLE 61209 29337 1125
FEDEX CORP COM 31428X106 164 1590 SH SOLE 1535 55 0
FEDEX CORP COM 31428X106 48 470 SH DEFINED 470 0 0
FIFTH THIRD BANCORP COM 316773100 381 10123 SH SOLE 10123 0 0
FIFTH THIRD BANCORP COM 316773100 159 4221 SH DEFINED 1186 3035 0
FIRST DATA CORP COM 319963104 474 11037 SH SOLE 8737 2300 0
FIRST DATA CORP COM 319963104 95 2215 SH DEFINED 1350 865 0
FORD MTR CO DEL COM PAR $0.01 345370860 205 26608 SH SOLE 22143 4465 0
FORD MTR CO DEL COM PAR $0.01 345370860 61 7970 SH DEFINED 6975 995 0
FORTUNE BRANDS INC COM 349631101 3528 45227 SH SOLE 35727 9400 100
FORTUNE BRANDS INC COM 349631101 386 4955 SH DEFINED 4505 325 125
FPL GROUP INC COM 302571104 85 2062 SH SOLE 2062 0 0
FPL GROUP INC COM 302571104 124 3000 SH DEFINED 2600 0 400
GANNETT INC COM 364730101 340 5624 SH SOLE 5099 525 0
GANNETT INC COM 364730101 133 2200 SH DEFINED 900 100 1200
GENENTECH INC COM NEW 368710406 305 3300 SH SOLE 1135 2165 0
GENERAL ELECTRIC CO COM 369604103 8015 228767 SH SOLE 193244 33723 1800
GENERAL ELECTRIC CO COM 369604103 1394 39803 SH DEFINED 20465 8938 10400
GENESCO INC COM 371532102 427 11025 SH SOLE 9025 2000 0
GENESCO INC COM 371532102 58 1500 SH DEFINED 1500 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 34 683 SH DEFINED 683 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 352 6987 SH SOLE 5987 0 1000
GREAT PLAINS ENERGY INC COM 391164100 215 7700 SH SOLE 7700 0 0
GREAT PLAINS ENERGY INC COM 391164100 13 500 SH DEFINED 500 0 0
HARLEY DAVIDSON INC COM 412822108 590 11460 SH SOLE 10010 1450 0
HARLEY DAVIDSON INC COM 412822108 97 1900 SH DEFINED 1900 0 0
HEALTH CARE REIT INC COM 42217K106 883 26080 SH SOLE 23780 2100 200
HEALTH CARE REIT INC COM 42217K106 349 10325 SH DEFINED 7525 525 2275
HOME DEPOT INC COM 437076102 1593 39374 SH SOLE 27824 11550 0
HOME DEPOT INC COM 437076102 334 8275 SH DEFINED 3750 475 4050
INTEL CORP COM 458140100 1071 42935 SH DEFINED 32325 8110 2500
INTEL CORP COM 458140100 5532 221762 SH SOLE 190922 30140 700
INTERNATIONAL BUSINESS MACHS COM 459200101 395 4813 SH SOLE 3413 1400 0
INTERNATIONAL BUSINESS MACHS COM 459200101 235 2860 SH DEFINED 1860 1000 0
INTL PAPER CO COM 460146103 202 6013 SH SOLE 6013 0 0
INTL PAPER CO COM 460146103 16 500 SH DEFINED 0 500 0
ISHARES INC MSCI PAC J IDX 464286665 333 3375 SH SOLE 1875 1500 0
ISHARES INC MSCI PAC J IDX 464286665 207 2100 SH DEFINED 2100 0 0
ISHARES TR DJ SEL DIV INX 464287168 2458 40125 SH SOLE 23175 16950 0
ISHARES TR DJ SEL DIV INX 464287168 367 6000 SH DEFINED 5500 500 0
ISHARES TR S&P 500 INDEX 464287200 284 2280 SH SOLE 2280 0 0
ISHARES TR S&P LTN AM 40 464287390 153 1250 SH SOLE 250 1000 0
ISHARES TR S&P LTN AM 40 464287390 122 1000 SH DEFINED 1000 0 0
ISHARES TR LEHMAN AGG BND 464287226 10 100 SH DEFINED 100 0 0
ISHARES TR RUSSELL 2000 464287655 464 6965 SH DEFINED 6365 600 0
ISHARES TR RUSSELL 1000 464287622 662 9782 SH SOLE 8952 830 0
ISHARES TR RUSSELL 1000 464287622 52 780 SH DEFINED 480 300 0
ISHARES TR RUSL 2000 VALU 464287630 302 4585 SH SOLE 1585 3000 0
ISHARES TR RUSL 2000 VALU 464287630 10 165 SH DEFINED 165 0 0
ISHARES TR RUSL 2000 GROW 464287648 1938 27832 SH SOLE 23947 3685 200
ISHARES TR RUSSELL1000GRW 464287614 130 2560 SH DEFINED 2400 160 0
ISHARES TR RUSSELL 2000 464287655 4269 63994 SH SOLE 46879 17115 0
ISHARES TR DJ US TELECOMM 464287713 163 7160 SH SOLE 5160 2000 0
ISHARES TR DJ US UTILS 464287697 1219 15955 SH SOLE 11540 4415 0
ISHARES TR DJ US UTILS 464287697 351 4600 SH DEFINED 3950 650 0
ISHARES TR DJ US TELECOMM 464287713 41 1800 SH DEFINED 1800 0 0
ISHARES TR DJ US TECH SEC 464287721 220 4425 SH DEFINED 4075 150 200
ISHARES TR DJ US INDUSTRL 464287754 2413 41440 SH SOLE 20565 20875 0
ISHARES TR DJ US INDUSTRL 464287754 227 3900 SH DEFINED 3050 650 200
ISHARES TR RUSL 2000 GROW 464287648 113 1625 SH DEFINED 875 0 750
ISHARES TR RUSSELL MIDCAP 464287499 9118 103706 SH SOLE 78091 25190 425
ISHARES TR LEHMAN AGG BND 464287226 191 1905 SH SOLE 1755 150 0
ISHARES TR RUSSELL1000GRW 464287614 1011 19838 SH SOLE 17413 725 1700
ISHARES TR MSCI EAFE IDX 464287465 5242 88210 SH SOLE 62795 25415 0
ISHARES TR DJ US TECH SEC 464287721 941 18935 SH SOLE 17910 1025 0
ISHARES TR RUSSELL MCP VL 464287473 323 2600 SH SOLE 1100 1500 0
ISHARES TR RUSSELL MCP VL 464287473 54 440 SH DEFINED 140 300 0
ISHARES TR MSCI EAFE IDX 464287465 924 15560 SH DEFINED 11800 1735 2025
ISHARES TR RUSSELL MCP GR 464287481 31 330 SH DEFINED 330 0 0
ISHARES TR RUSSELL MIDCAP 464287499 899 10230 SH DEFINED 7515 1340 1375
ISHARES TR GLMN SCHS SOFT 464287515 537 13350 SH SOLE 8900 4450 0
ISHARES TR GLMN SCHS SOFT 464287515 141 3525 SH DEFINED 3525 0 0
ISHARES TR RUSSELL1000VAL 464287598 280 4065 SH SOLE 3980 85 0
ISHARES TR RUSSELL1000VAL 464287598 55 810 SH DEFINED 810 0 0
ISHARES TR RUSSELL MCP GR 464287481 374 3985 SH SOLE 1885 2100 0
ITT INDS INC IND COM 450911102 479 4660 SH SOLE 3440 1220 0
ITT INDS INC IND COM 450911102 51 500 SH DEFINED 500 0 0
JOHNSON & JOHNSON COM 478160104 2872 47800 SH SOLE 33900 13900 0
JOHNSON & JOHNSON COM 478160104 521 8680 SH DEFINED 7430 250 1000
JOHNSON CTLS INC COM 478366107 204 2800 SH SOLE 2800 0 0
JP MORGAN CHASE & CO COM 46625H100 678 17105 SH SOLE 16905 200 0
JP MORGAN CHASE & CO COM 46625H100 222 5597 SH DEFINED 3746 1851 0
KINDER MORGAN ENERGY PARTNER UT LTD PARTNER 494550106 1416 29625 SH SOLE 23725 5900 0
KINDER MORGAN ENERGY PARTNER UT LTD PARTNER 494550106 246 5160 SH DEFINED 4360 200 600
LA Z BOY INC COM 505336107 5048 372317 SH SOLE 235573 136744 0
LA Z BOY INC COM 505336107 1580 116560 SH DEFINED 116560 0 0
LILLY ELI & CO COM 532457108 417 7375 SH SOLE 7375 0 0
LILLY ELI & CO COM 532457108 135 2400 SH DEFINED 2400 0 0
LOWES COS INC COM 548661107 921 13820 SH DEFINED 10030 1590 2200
LOWES COS INC COM 548661107 4761 71440 SH SOLE 55225 16215 0
MANULIFE FINL CORP COM 56501R106 69 1185 SH DEFINED 1185 0 0
MANULIFE FINL CORP COM 56501R106 197 3355 SH SOLE 3335 20 0
MBNA CORP COM 55262L100 264 9760 SH SOLE 8285 1475 0
MBNA CORP COM 55262L100 12 450 SH DEFINED 0 0 450
MBT FINL CORP COM 578877102 29036 1793511 SH SOLE 1262250 291794 239467
MBT FINL CORP COM 578877102 7524 464769 SH DEFINED 459369 500 4900
MDU RES GROUP INC COM 552690109 20 619 SH SOLE 619 0 0
MDU RES GROUP INC COM 552690109 191 5856 SH DEFINED 5856 0 0
MEDTRONIC INC COM 585055106 1040 18085 SH SOLE 14460 3625 0
MEDTRONIC INC COM 585055106 272 4740 SH DEFINED 3675 1065 0
MERCANTILE BANK CORP COM 587376104 2332 60574 SH SOLE 30314 29945 315
MERCANTILE BANK CORP COM 587376104 206 5363 SH DEFINED 3353 908 1102
MERCK & CO INC COM 589331107 213 6700 SH DEFINED 2700 0 4000
MERCK & CO INC COM 589331107 27 850 SH SOLE 850 0 0
MICROSOFT CORP COM 594918104 5930 226894 SH SOLE 175567 51027 300
MICROSOFT CORP COM 594918104 998 38192 SH DEFINED 24035 11657 2500
MUNIYIELD MICH INSD FD INC COM 62630J106 109 7006 SOLE 7006 0 0
MUNIYIELD MICH INSD FD INC COM 62630J106 49 3181 DEFINED 2156 1025 0
NATIONAL CITY CORP COM 635405103 1862 55509 SH SOLE 27759 13950 13800
NATIONAL CITY CORP COM 635405103 339 10112 SH DEFINED 9912 200 0
NIKE INC CL B 654106103 108 1250 SH DEFINED 1100 150 0
NIKE INC CL B 654106103 213 2460 SH SOLE 2335 125 0
NOBLE CORPORATION SHS G65422100 246 3500 SH DEFINED 3175 325 0
NOBLE CORPORATION SHS G65422100 1753 24865 SH SOLE 19055 5810 0
NORFOLK SOUTHERN CORP COM 655844108 230 5150 SH SOLE 5150 0 0
NORFOLK SOUTHERN CORP COM 655844108 108 2413 SH DEFINED 2413 0 0
NUVEEN MICH QUALITY INCOME M COM 670979103 149 10156 SOLE 10156 0 0
OCCIDENTAL PETE CORP DEL COM 674599105 71 900 SH SOLE 900 0 0
OCCIDENTAL PETE CORP DEL COM 674599105 159 2000 SH DEFINED 2000 0 0
OLD SECOND BANCORP INC ILL COM 680277100 626 20500 SH SOLE 7950 12550 0
OLD SECOND BANCORP INC ILL COM 680277100 12 400 SH DEFINED 400 0 0
PEPSICO INC COM 713448108 3137 53111 SH SOLE 43381 7830 1900
PEPSICO INC COM 713448108 763 12925 SH DEFINED 7450 2910 2565
PFIZER INC COM 717081103 471 20213 SH DEFINED 20076 100 37
PFIZER INC COM 717081103 422 18125 SH SOLE 13950 4175 0
PINNACLE FINL PARTNERS INC COM 72346Q104 3080 123352 SH SOLE 78602 44650 100
PINNACLE FINL PARTNERS INC COM 72346Q104 458 18345 SH DEFINED 14345 2500 1500
PROCTER & GAMBLE CO COM 742718109 4042 69844 SH SOLE 55225 14419 200
PROCTER & GAMBLE CO COM 742718109 1223 21145 SH DEFINED 17195 1550 2400
REPUBLIC BANCORP INC COM 760282103 390 32837 SH SOLE 24359 0 8478
SAP AKTIENGESELLSCHAFT SPONSORED ADR 803054204 51 1150 SH DEFINED 1000 150 0
SAP AKTIENGESELLSCHAFT SPONSORED ADR 803054204 287 6375 SH SOLE 2375 4000 0
SCHLUMBERGER LTD COM 806857108 452 4660 SH SOLE 3100 1560 0
SCHLUMBERGER LTD COM 806857108 242 2500 SH DEFINED 1200 300 1000
SIMON PPTY GROUP INC NEW COM 828806109 183 2390 SH SOLE 2330 60 0
SIMON PPTY GROUP INC NEW COM 828806109 68 900 SH DEFINED 900 0 0
SKY FINL GROUP INC COM 83080P103 19 687 SH DEFINED 687 0 0
SKY FINL GROUP INC COM 83080P103 365 13142 SH SOLE 13142 0 0
SOUTHERN CO COM 842587107 108 3150 SH SOLE 1800 1350 0
SOUTHERN CO COM 842587107 149 4341 SH DEFINED 4341 0 0
ST JUDE MED INC COM 790849103 365 7275 SH SOLE 3775 3500 0
STRYKER CORP COM 863667101 894 20142 SH SOLE 16542 3600 0
STRYKER CORP COM 863667101 273 6150 SH DEFINED 4900 850 400
SYSCO CORP COM 871829107 1279 41225 SH SOLE 29980 11245 0
SYSCO CORP COM 871829107 204 6600 SH DEFINED 6400 200 0
TALISMAN ENERGY INC COM 87425E103 726 13745 SH SOLE 9445 4300 0
TALISMAN ENERGY INC COM 87425E103 43 825 SH DEFINED 300 525 0
TARGET CORP COM 87612E106 151 2765 SH DEFINED 150 1015 1600
TARGET CORP COM 87612E106 61 1126 SH SOLE 1126 0 0
TCW CONV SECS FD INC COM 872340104 271 57970 SH SOLE 57570 400 0
TCW CONV SECS FD INC COM 872340104 90 19200 SH DEFINED 19200 0 0
TEVA PHARMACEUTICAL INDS LTD ADR 881624209 419 9765 SH SOLE 3860 5905 0
TEVA PHARMACEUTICAL INDS LTD ADR 881624209 120 2800 SH DEFINED 2800 0 0
TRANSOCEAN INC ORD G90078109 237 3410 SH SOLE 1820 1590 0
UNITED TECHNOLOGIES CORP COM 913017109 344 6159 SH SOLE 3859 2300 0
UNITED TECHNOLOGIES CORP COM 913017109 61 1100 SH DEFINED 1100 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1001 16120 SH SOLE 11385 4735 0
UNITEDHEALTH GROUP INC COM 91324P102 164 2650 SH DEFINED 2150 500 0
US BANCORP DEL COM NEW 902973304 332 11125 SH DEFINED 7500 1925 1700
US BANCORP DEL COM NEW 902973304 1871 62634 SH SOLE 45559 17075 0
VERIZON COMMUNICATIONS COM 92343V104 811 26955 SH SOLE 24302 2653 0
VERIZON COMMUNICATIONS COM 92343V104 259 8632 SH DEFINED 7382 350 900
VIACOM INC CL A 925524100 194 5940 SH SOLE 4440 1500 0
VIACOM INC CL A 925524100 5 175 SH DEFINED 0 175 0
VIRGINIA COMM BANCORP INC COM 92778Q109 215 7425 SH SOLE 7425 0 0
VIRGINIA COMM BANCORP INC COM 92778Q109 49 1700 SH DEFINED 450 1250 0
WAL MART STORES INC COM 931142103 134 2875 SH DEFINED 1350 500 1025
WAL MART STORES INC COM 931142103 800 17100 SH SOLE 13000 4100 0
WALGREEN CO COM 931422109 1622 36670 SH SOLE 28920 7750 0
WALGREEN CO COM 931422109 461 10440 SH DEFINED 5115 5325 0
WELLS FARGO & CO NEW COM 949746101 2045 32554 SH SOLE 30884 1670 0
WELLS FARGO & CO NEW COM 949746101 759 12085 SH DEFINED 8210 3475 400
ZIMMER HLDGS INC COM 98956P102 108 1610 SH DEFINED 800 0 810
ZIMMER HLDGS INC COM 98956P102 237 3525 SH SOLE 3245 280 0