UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Form 13F
Form 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: June 30, 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 July 30, 2008
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: 223
Form13F Information Table Value Total: $172,509 (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 152 2180 SH DEFINED 2180 0 0
3M CO COM 88579Y101 194 2790 SH SOLE 2490 300 0
ABBOTT LABS COM 002824100 134 2525 SH DEFINED 2525 0 0
ABBOTT LABS COM 002824100 278 5240 SH SOLE 2840 2400 0
ACCENTURE LTD BERMUDA CL A G1150G111 203 4990 SH DEFINED 3390 500 1100
ACCENTURE LTD BERMUDA CL A G1150G111 1653 40605 SH SOLE 35090 5515 0
ADOBE SYS INC COM 00724F101 95 2420 SH DEFINED 870 500 1050
ADOBE SYS INC COM 00724F101 1030 26148 SH SOLE 19800 6348 0
AIR PRODS & CHEMS INC COM 009158106 227 2300 SH DEFINED 2300 0 0
ALTRIA GROUP INC COM 02209S103 84 4090 SH DEFINED 3440 0 650
ALTRIA GROUP INC COM 02209S103 485 23605 SH SOLE 18245 5360 0
AMERICA MOVIL SAB DE CV SPON ADR L SHS 02364W105 209 3970 SH SOLE 3489 481 0
APACHE CORP COM 037411105 789 5675 SH DEFINED 4975 400 300
APACHE CORP COM 037411105 5720 41151 SH SOLE 37025 3596 530
APPLE INC COM 037833100 387 2314 SH SOLE 1568 746 0
AT&T INC COM 00206R102 107 3180 SH DEFINED 3180 0 0
AT&T INC COM 00206R102 584 17347 SH SOLE 14370 2253 724
AUTOMATIC DATA PROCESSING IN COM 053015103 161 3845 SH DEFINED 2395 500 950
AUTOMATIC DATA PROCESSING IN COM 053015103 1605 38300 SH SOLE 33605 4695 0
BANK OF AMERICA CORPORATION COM 060505104 171 7168 SH DEFINED 7168 0 0
BANK OF AMERICA CORPORATION COM 060505104 122 5099 SH SOLE 3009 2090 0
BP PLC SPONSORED ADR 055622104 359 5162 SH DEFINED 5002 160 0
BP PLC SPONSORED ADR 055622104 1255 18039 SH SOLE 14569 3470 0
CHESAPEAKE ENERGY CORP COM 165167107 274 4155 SH DEFINED 3205 300 650
CHESAPEAKE ENERGY CORP COM 165167107 2205 33431 SH SOLE 26456 6650 325
CHEVRON CORP NEW COM 166764100 130 1315 SH DEFINED 870 95 350
CHEVRON CORP NEW COM 166764100 1807 18226 SH SOLE 14515 3561 150
CISCO SYS INC COM 17275R102 112 4800 SH DEFINED 2800 400 1600
CISCO SYS INC COM 17275R102 1167 50186 SH SOLE 36503 13683 0
CITIGROUP INC COM 172967101 145 8684 SH DEFINED 7509 0 1175
CITIGROUP INC COM 172967101 193 11551 SH SOLE 7541 4010 0
COCA COLA CO COM 191216100 199 3820 SH DEFINED 2940 180 700
COCA COLA CO COM 191216100 837 16100 SH SOLE 12885 3215 0
COLGATE PALMOLIVE CO COM 194162103 174 2511 SH DEFINED 1911 50 550
COLGATE PALMOLIVE CO COM 194162103 1446 20927 SH SOLE 17512 3415 0
COMERICA INC COM 200340107 8 300 SH DEFINED 300 0 0
COMERICA INC COM 200340107 237 9263 SH SOLE 9263 0 0
CONOCOPHILLIPS COM 20825C104 19 200 SH DEFINED 200 0 0
CONOCOPHILLIPS COM 20825C104 380 4027 SH SOLE 2867 1160 0
CONSOL ENERGY INC COM 20854P109 14 125 SH DEFINED 125 0 0
CONSOL ENERGY INC COM 20854P109 429 3818 SH SOLE 2700 1118 0
CVS CAREMARK CORPORATION COM 126650100 49 1250 SH DEFINED 1250 0 0
CVS CAREMARK CORPORATION COM 126650100 213 5373 SH SOLE 1049 3724 600
DISNEY WALT CO COM DISNEY 254687106 90 2875 SH DEFINED 1650 400 825
DISNEY WALT CO COM DISNEY 254687106 778 24925 SH SOLE 20370 4555 0
DOW CHEM CO COM 260543103 39 1125 SH DEFINED 625 0 500
DOW CHEM CO COM 260543103 203 5825 SH SOLE 5825 0 0
DTE ENERGY CO COM 233331107 115 2720 SH DEFINED 720 0 2000
DTE ENERGY CO COM 233331107 423 9964 SH SOLE 7799 765 1400
DU PONT E I DE NEMOURS & CO COM 263534109 13 300 SH DEFINED 300 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 297 6925 SH SOLE 4925 2000 0
EMERSON ELEC CO COM 291011104 11 225 SH DEFINED 225 0 0
EMERSON ELEC CO COM 291011104 533 10775 SH SOLE 8775 2000 0
ENERGY INCOME & GROWTH FD COM 292697109 16 700 SH DEFINED 700 0 0
ENERGY INCOME & GROWTH FD COM 292697109 355 15650 SH SOLE 10600 5050 0
ENTERGY CORP NEW COM 29364G103 259 2150 SH SOLE 1150 1000 0
EXELON CORP COM 30161N101 9 100 SH DEFINED 100 0 0
EXELON CORP COM 30161N101 347 3862 SH SOLE 2362 1500 0
EXPEDITORS INTL WASH INC COM 302130109 109 2525 SH DEFINED 1225 400 900
EXPEDITORS INTL WASH INC COM 302130109 1222 28415 SH SOLE 24355 4060 0
EXXON MOBIL CORP COM 30231G102 845 9583 SH DEFINED 8053 80 1450
EXXON MOBIL CORP COM 30231G102 4104 46572 SH SOLE 41689 4733 150
FORD MTR CO DEL COM PAR $0.01 345370860 29 5950 SH DEFINED 5950 0 0
FORD MTR CO DEL COM PAR $0.01 345370860 36 7415 SH SOLE 2950 4465 0
FORTUNE BRANDS INC COM 349631101 36 580 SH DEFINED 580 0 0
FORTUNE BRANDS INC COM 349631101 238 3822 SH SOLE 3822 0 0
FPL GROUP INC COM 302571104 197 3000 SH DEFINED 2600 0 400
FPL GROUP INC COM 302571104 89 1362 SH SOLE 1362 0 0
FRANKLIN RES INC COM 354613101 82 900 SH DEFINED 500 0 400
FRANKLIN RES INC COM 354613101 461 5025 SH SOLE 4655 370 0
FREEPORT-MCMORAN COPPER & GO COM 35671D857 20 167 SH DEFINED 167 0 0
FREEPORT-MCMORAN COPPER & GO COM 35671D857 284 2421 SH SOLE 737 1684 0
GENERAL DYNAMICS CORP COM 369550108 76 900 SH DEFINED 400 0 500
GENERAL DYNAMICS CORP COM 369550108 177 2105 SH SOLE 1068 1037 0
GENERAL ELECTRIC CO COM 369604103 833 31215 SH DEFINED 28060 1155 2000
GENERAL ELECTRIC CO COM 369604103 2732 102396 SH SOLE 93656 8340 400
HANCOCK JOHN PFD INCOME FD SH BEN INT 41013W108 337 17780 SH DEFINED 11830 0 5950
HANCOCK JOHN PFD INCOME FD SH BEN INT 41013W108 1091 57615 SH SOLE 52815 4800 0
HARTFORD FINL SVCS GROUP INC COM 416515104 59 920 SH DEFINED 240 180 500
HARTFORD FINL SVCS GROUP INC COM 416515104 634 9825 SH SOLE 8855 970 0
HEALTH CARE REIT INC COM 42217K106 269 6050 SH DEFINED 5750 300 0
HEALTH CARE REIT INC COM 42217K106 495 11125 SH SOLE 9450 1675 0
INTEL CORP COM 458140100 364 16931 SH DEFINED 16431 500 0
INTEL CORP COM 458140100 35 1607 SH SOLE 1607 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 223 1880 SH DEFINED 1680 200 0
INTERNATIONAL BUSINESS MACHS COM 459200101 399 3363 SH SOLE 2238 1125 0
ISHARES INC MSCI PAC J IDX 464286665 294 2160 SH DEFINED 2160 0 0
ISHARES INC MSCI PAC J IDX 464286665 810 5955 SH SOLE 4455 1500 0
ISHARES S&P GSCI COMMODITY I UNIT BEN INT 46428R107 962 12850 SH DEFINED 8625 1075 3150
ISHARES S&P GSCI COMMODITY I UNIT BEN INT 46428R107 8467 113038 SH SOLE 102445 9168 1425
ISHARES TR 1-3 YR TRS BD 464287457 87 1050 SH DEFINED 1050 0 0
ISHARES TR 1-3 YR TRS BD 464287457 1971 23785 SH SOLE 20785 2300 700
ISHARES TR COHEN&ST RLTY 464287564 102 1360 SH DEFINED 110 0 1250
ISHARES TR COHEN&ST RLTY 464287564 1702 22652 SH SOLE 18362 3795 495
ISHARES TR CONS GOODS IDX 464287812 49 893 SH DEFINED 893 0 0
ISHARES TR CONS GOODS IDX 464287812 957 17322 SH SOLE 16262 835 225
ISHARES TR CONS SRVC IDX 464287580 44 805 SH DEFINED 655 150 0
ISHARES TR CONS SRVC IDX 464287580 607 11112 SH SOLE 10029 908 175
ISHARES TR DJ EPAC DIVIDE 464288448 294 8135 SH SOLE 4085 3800 250
ISHARES TR DJ SEL DIV INX 464287168 277 5625 SH DEFINED 5625 0 0
ISHARES TR DJ SEL DIV INX 464287168 1423 28895 SH SOLE 19610 9035 250
ISHARES TR DJ US BAS MATL 464287838 178 2112 SH DEFINED 587 350 1175
ISHARES TR DJ US BAS MATL 464287838 2930 34695 SH SOLE 29892 4603 200
ISHARES TR DJ US ENERGY 464287796 127 838 SH DEFINED 788 50 0
ISHARES TR DJ US ENERGY 464287796 2095 13832 SH SOLE 12447 1185 200
ISHARES TR DJ US FINL SEC 464287788 113 1670 SH DEFINED 570 0 1100
ISHARES TR DJ US FINL SEC 464287788 1198 17644 SH SOLE 14869 2550 225
ISHARES TR DJ US HEALTHCR 464287762 231 3753 SH DEFINED 2153 0 1600
ISHARES TR DJ US HEALTHCR 464287762 2559 41535 SH SOLE 36890 4320 325
ISHARES TR DJ US INDUSTRL 464287754 178 2763 SH DEFINED 2263 500 0
ISHARES TR DJ US INDUSTRL 464287754 2912 45183 SH SOLE 41162 3671 350
ISHARES TR DJ US TECH SEC 464287721 261 4822 SH DEFINED 3972 450 400
ISHARES TR DJ US TECH SEC 464287721 2831 52257 SH SOLE 47769 4088 400
ISHARES TR DJ US TELECOMM 464287713 183 7605 SH DEFINED 6230 350 1025
ISHARES TR DJ US TELECOMM 464287713 1319 54758 SH SOLE 47835 6673 250
ISHARES TR DJ US UTILS 464287697 393 3962 SH DEFINED 2887 400 675
ISHARES TR DJ US UTILS 464287697 3257 32862 SH SOLE 28432 4255 175
ISHARES TR LEHMAN AGG BND 464287226 587 5845 SH DEFINED 5845 0 0
ISHARES TR LEHMAN AGG BND 464287226 4189 41725 SH SOLE 36825 4300 600
ISHARES TR LEHMAN SH TREA 464288679 237 2150 SH SOLE 2150 0 0
ISHARES TR MSCI EAFE IDX 464287465 1768 25750 SH DEFINED 17557 1943 6250
ISHARES TR MSCI EAFE IDX 464287465 14002 203901 SH SOLE 172805 28621 2475
ISHARES TR MSCI EMERG MKT 464287234 1222 9003 SH DEFINED 6728 1025 1250
ISHARES TR MSCI EMERG MKT 464287234 7666 56486 SH SOLE 49681 6255 550
ISHARES TR RUSL 2000 GROW 464287648 42 550 SH DEFINED 550 0 0
ISHARES TR RUSL 2000 GROW 464287648 1263 16590 SH SOLE 13265 3325 0
ISHARES TR RUSL 2000 VALU 464287630 11 165 SH DEFINED 165 0 0
ISHARES TR RUSL 2000 VALU 464287630 233 3650 SH SOLE 900 2750 0
ISHARES TR RUSSELL 1000 464287622 77 1100 SH DEFINED 1100 0 0
ISHARES TR RUSSELL 1000 464287622 252 3571 SH SOLE 3171 400 0
ISHARES TR RUSSELL 2000 464287655 751 10876 SH DEFINED 8461 915 1500
ISHARES TR RUSSELL 2000 464287655 3605 52214 SH SOLE 46898 5016 300
ISHARES TR RUSSELL MCP GR 464287481 19 180 SH DEFINED 180 0 0
ISHARES TR RUSSELL MCP GR 464287481 307 2900 SH SOLE 900 2000 0
ISHARES TR RUSSELL MCP VL 464287473 18 140 SH DEFINED 140 0 0
ISHARES TR RUSSELL MCP VL 464287473 238 1850 SH SOLE 350 1500 0
ISHARES TR RUSSELL MIDCAP 464287499 635 6628 SH DEFINED 6628 0 0
ISHARES TR RUSSELL MIDCAP 464287499 4869 50815 SH SOLE 46805 3210 800
ISHARES TR RUSSELL1000GRW 464287614 155 2805 SH DEFINED 2805 0 0
ISHARES TR RUSSELL1000GRW 464287614 407 7375 SH SOLE 7375 0 0
ISHARES TR RUSSELL1000VAL 464287598 56 810 SH DEFINED 810 0 0
ISHARES TR RUSSELL1000VAL 464287598 195 2825 SH SOLE 2825 0 0
ISHARES TR S&P NA NAT RES 464287374 471 3075 SH SOLE 1800 1175 100
ISHARES TR S&P NA SOFTWR 464287515 12 250 SH DEFINED 250 0 0
ISHARES TR S&P NA SOFTWR 464287515 222 4700 SH SOLE 4700 0 0
ISHARES TR S&P NATL MUN B 464288414 149 1500 SH DEFINED 0 1500 0
ISHARES TR S&P NATL MUN B 464288414 358 3600 SH SOLE 3000 0 600
ISHARES TR US TIPS BD FD 464287176 38 350 SH DEFINED 350 0 0
ISHARES TR US TIPS BD FD 464287176 2098 19450 SH SOLE 16125 3325 0
JACOBS ENGR GROUP INC DEL COM 469814107 48 600 SH DEFINED 100 0 500
JACOBS ENGR GROUP INC DEL COM 469814107 758 9395 SH SOLE 7225 2170 0
JOHNSON & JOHNSON COM 478160104 454 7050 SH DEFINED 5800 600 650
JOHNSON & JOHNSON COM 478160104 2290 35596 SH SOLE 29134 6462 0
JP MORGAN CHASE & CO COM 46625H100 56 1637 SH DEFINED 896 741 0
JP MORGAN CHASE & CO COM 46625H100 474 13807 SH SOLE 11648 2159 0
LA Z BOY INC COM 505336107 156 20450 SH DEFINED 19450 0 1000
LA Z BOY INC COM 505336107 678 88600 SH SOLE 78600 10000 0
LILLY ELI & CO COM 532457108 148 3200 SH DEFINED 3200 0 0
LILLY ELI & CO COM 532457108 217 4706 SH SOLE 3199 1507 0
MBT FINL CORP COM 578877102 934 156978 SH DEFINED 156978 0 0
MBT FINL CORP COM 578877102 5233 879451 SH SOLE 568495 83189 227767
MCDONALDS CORP COM 580135101 165 2937 SH DEFINED 1937 300 700
MCDONALDS CORP COM 580135101 1060 18850 SH SOLE 14860 3390 600
MEDCO HEALTH SOLUTIONS INC COM 58405U102 71 1500 SH DEFINED 1500 0 0
MEDCO HEALTH SOLUTIONS INC COM 58405U102 184 3888 SH SOLE 1888 2000 0
MEDTRONIC INC COM 585055106 174 3360 SH DEFINED 2135 325 900
MEDTRONIC INC COM 585055106 1293 24985 SH SOLE 21365 3620 0
MERCK & CO INC COM 589331107 245 6500 SH DEFINED 2500 0 4000
MERCK & CO INC COM 589331107 6 150 SH SOLE 150 0 0
MICROSOFT CORP COM 594918104 680 24745 SH DEFINED 20785 2510 1450
MICROSOFT CORP COM 594918104 2154 78321 SH SOLE 66195 12126 0
NATIONAL CITY CORP COM 635405103 39 8162 SH DEFINED 8162 0 0
NATIONAL CITY CORP COM 635405103 65 13582 SH SOLE 12782 800 0
NOBLE CORPORATION SHS G65422100 458 7050 SH DEFINED 6300 200 550
NOBLE CORPORATION SHS G65422100 2927 45060 SH SOLE 38665 6160 235
NORFOLK SOUTHERN CORP COM 655844108 161 2563 SH DEFINED 2563 0 0
NORFOLK SOUTHERN CORP COM 655844108 387 6175 SH SOLE 6175 0 0
NUVEEN QUALITY PFD INC FD 3 COM 67072W101 117 12400 SH SOLE 12400 0 0
NUVEEN QUALITY PFD INCOME FD COM 67071S101 267 28240 SH DEFINED 21640 0 6600
NUVEEN QUALITY PFD INCOME FD COM 67071S101 837 88530 SH SOLE 86280 2250 0
NUVEEN QUALITY PFD INCOME FD COM 67072C105 126 12600 SH SOLE 12600 0 0
OCCIDENTAL PETE CORP DEL COM 674599105 662 7365 SH DEFINED 6790 175 400
OCCIDENTAL PETE CORP DEL COM 674599105 1740 19364 SH SOLE 16225 2964 175
ORACLE CORP COM 68389X105 90 4300 SH DEFINED 1750 600 1950
ORACLE CORP COM 68389X105 1219 58034 SH SOLE 46253 11781 0
PEPSICO INC COM 713448108 417 6565 SH DEFINED 5690 625 250
PEPSICO INC COM 713448108 1645 25875 SH SOLE 23125 2700 50
PFIZER INC COM 717081103 25 1450 SH DEFINED 950 500 0
PFIZER INC COM 717081103 197 11295 SH SOLE 7924 3371 0
PHILIP MORRIS INTL INC COM 718172109 202 4090 SH DEFINED 3590 0 500
PHILIP MORRIS INTL INC COM 718172109 1112 22525 SH SOLE 16930 5595 0
PRAXAIR INC COM 74005P104 269 2850 SH SOLE 2850 0 0
PROCTER & GAMBLE CO COM 742718109 423 6960 SH DEFINED 5800 560 600
PROCTER & GAMBLE CO COM 742718109 2498 41078 SH SOLE 37013 4065 0
ROCKWELL COLLINS INC COM 774341101 180 3760 SH DEFINED 2730 330 700
ROCKWELL COLLINS INC COM 774341101 943 19660 SH SOLE 17005 2655 0
SCHLUMBERGER LTD COM 806857108 220 2050 SH DEFINED 1200 0 850
SCHLUMBERGER LTD COM 806857108 556 5175 SH SOLE 4950 225 0
SIMON PPTY GROUP INC NEW COM 828806109 155 1725 SH DEFINED 1175 100 450
SIMON PPTY GROUP INC NEW COM 828806109 1144 12732 SH SOLE 10290 2442 0
SOUTHERN CO COM 842587107 115 3300 SH DEFINED 3300 0 0
SOUTHERN CO COM 842587107 245 7032 SH SOLE 3335 3697 0
STRYKER CORP COM 863667101 41 650 SH DEFINED 650 0 0
STRYKER CORP COM 863667101 913 14525 SH SOLE 12025 2100 400
TARGET CORP COM 87612E106 87 1880 SH DEFINED 1075 205 600
TARGET CORP COM 87612E106 544 11710 SH SOLE 8915 2795 0
TCW STRATEGIC INCOME FUND IN COM 872340104 101 27500 SH DEFINED 27500 0 0
TCW STRATEGIC INCOME FUND IN COM 872340104 13 3650 SH SOLE 3650 0 0
TEREX CORP NEW COM 880779103 69 1350 SH DEFINED 750 0 600
TEREX CORP NEW COM 880779103 687 13375 SH SOLE 10700 2675 0
UNITED TECHNOLOGIES CORP COM 913017109 74 1200 SH DEFINED 1200 0 0
UNITED TECHNOLOGIES CORP COM 913017109 479 7762 SH SOLE 4847 2915 0
US BANCORP DEL COM NEW 902973304 81 2900 SH DEFINED 2900 0 0
US BANCORP DEL COM NEW 902973304 120 4300 SH SOLE 4300 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 124 3494 SH DEFINED 3494 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 223 6307 SH SOLE 3762 2095 450
WAL MART STORES INC COM 931142103 303 5385 SH DEFINED 4500 185 700
WAL MART STORES INC COM 931142103 570 10147 SH SOLE 9132 1015 0
WELLS FARGO & CO NEW COM 949746101 244 10280 SH DEFINED 9180 1100 0
WELLS FARGO & CO NEW COM 949746101 510 21475 SH SOLE 19775 1400 300
WESBANCO INC COM 950810101 251 14633 SH SOLE 14633 0 0
WINDSTREAM CORP COM 97381W104 23 1826 SH DEFINED 1826 0 0
WINDSTREAM CORP COM 97381W104 164 13256 SH SOLE 8256 5000 0