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, 2009 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 27, 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: 194 Form13F Information Table Value Total: $107,018 (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 624 13255 SH SOLE 10655 2600 0 ABBOTT LABS COM 002824100 117 2488 SH DEFINED 720 1768 0 ACCENTURE LTD BERMUDA CL A G1150G111 958 28630 SH SOLE 23115 5515 0 ACCENTURE LTD BERMUDA CL A G1150G111 153 4565 SH DEFINED 3240 225 1100 ALTRIA GROUP INC COM 02209S103 80 4870 SH DEFINED 3870 350 650 ALTRIA GROUP INC COM 02209S103 461 28125 SH SOLE 21590 6535 0 APACHE CORP COM 037411105 2309 32006 SH SOLE 28535 3341 130 APACHE CORP COM 037411105 326 4525 SH DEFINED 4225 0 300 AT&T INC COM 00206R102 66 2650 SH DEFINED 2650 0 0 AT&T INC COM 00206R102 355 14289 SH SOLE 9791 3774 724 AUTOMATIC DATA PROCESSING IN COM 053015103 89 2525 SH DEFINED 1225 350 950 AUTOMATIC DATA PROCESSING IN COM 053015103 1203 33960 SH SOLE 29555 4405 0 BANK OF AMERICA CORPORATION COM 060505104 128 9675 SH SOLE 2128 7547 0 BANK OF AMERICA CORPORATION COM 060505104 95 7198 SH DEFINED 7198 0 0 BAXTER INTL INC COM 071813109 502 9475 SH SOLE 7525 1950 0 BAXTER INTL INC COM 071813109 30 560 SH DEFINED 560 0 0 BLACKROCK INC COM 09247X101 20 115 SH DEFINED 0 0 115 BLACKROCK INC COM 09247X101 541 3085 SH SOLE 2375 710 0 BP PLC SPONSORED ADR 055622104 682 14298 SH SOLE 11328 2970 0 BP PLC SPONSORED ADR 055622104 206 4312 SH DEFINED 4152 160 0 BURLINGTON NORTHN SANTA FE C COM 12189T104 346 4700 SH SOLE 2950 1750 0 BURLINGTON NORTHN SANTA FE C COM 12189T104 15 200 SH DEFINED 200 0 0 CHESAPEAKE ENERGY CORP COM 165167107 227 11430 SH SOLE 10725 380 325 CHESAPEAKE ENERGY CORP COM 165167107 55 2755 SH DEFINED 1955 150 650 CHEVRON CORP NEW COM 166764100 1191 17983 SH SOLE 14530 3303 150 CHEVRON CORP NEW COM 166764100 101 1520 SH DEFINED 1070 100 350 CISCO SYS INC COM 17275R102 728 39072 SH SOLE 28818 10254 0 CISCO SYS INC COM 17275R102 71 3800 SH DEFINED 2200 0 1600 COCA COLA CO COM 191216100 794 16545 SH SOLE 13155 3390 0 COCA COLA CO COM 191216100 158 3290 SH DEFINED 2440 150 700 COLGATE PALMOLIVE CO COM 194162103 1331 18810 SH SOLE 15121 3689 0 COLGATE PALMOLIVE CO COM 194162103 139 1961 SH DEFINED 1311 100 550 CVS CAREMARK CORPORATION COM 126650100 188 5899 SH SOLE 2289 3010 600 CVS CAREMARK CORPORATION COM 126650100 29 920 SH DEFINED 920 0 0 DTE ENERGY CO COM 233331107 266 8301 SH SOLE 6579 522 1200 DTE ENERGY CO COM 233331107 85 2670 SH DEFINED 670 0 2000 EMERSON ELEC CO COM 291011104 372 11500 SH SOLE 9000 2500 0 EMERSON ELEC CO COM 291011104 10 300 SH DEFINED 300 0 0 ENERGY INCOME & GROWTH FD COM 292697109 581 28500 SH SOLE 18750 9750 0 ENTERGY CORP NEW COM 29364G103 202 2604 SH SOLE 1065 1539 0 EXELON CORP COM 30161N101 370 7225 SH SOLE 5225 2000 0 EXELON CORP COM 30161N101 33 650 SH DEFINED 650 0 0 EXPRESS SCRIPTS INC COM 302182100 210 3050 SH SOLE 2925 125 0 EXXON MOBIL CORP COM 30231G102 2350 33625 SH SOLE 29450 4025 150 EXXON MOBIL CORP COM 30231G102 515 7363 SH DEFINED 4868 1270 1225 FORD MTR CO DEL COM PAR $0.01 345370860 131 21534 SH SOLE 7087 14447 0 FORD MTR CO DEL COM PAR $0.01 345370860 54 8950 SH DEFINED 8950 0 0 FPL GROUP INC COM 302571104 167 2937 SH SOLE 1737 1200 0 FPL GROUP INC COM 302571104 159 2800 SH DEFINED 2600 0 200 GAMESTOP CORP NEW CL A 36467W109 299 13590 SH SOLE 11760 1830 0 GAMESTOP CORP NEW CL A 36467W109 9 390 SH DEFINED 0 0 390 GENERAL ELECTRIC CO COM 369604103 962 82095 SH SOLE 71270 10425 400 GENERAL ELECTRIC CO COM 369604103 268 22850 SH DEFINED 20300 550 2000 GENERAL MLS INC COM 370334104 17 300 SH DEFINED 300 0 0 GENERAL MLS INC COM 370334104 322 5750 SH SOLE 3025 2725 0 GILEAD SCIENCES INC COM 375558103 28 600 SH DEFINED 600 0 0 GILEAD SCIENCES INC COM 375558103 332 7084 SH SOLE 5465 1619 0 GOOGLE INC CL A 38259P508 428 1015 SH SOLE 664 351 0 GOOGLE INC CL A 38259P508 30 70 SH DEFINED 70 0 0 HANCOCK JOHN PFD INCOME FD SH BEN INT 41013W108 247 16430 SH DEFINED 11830 0 4600 HANCOCK JOHN PFD INCOME FD SH BEN INT 41013W108 775 51590 SH SOLE 47840 3750 0 HEALTH CARE REIT INC COM 42217K106 196 5750 SH DEFINED 5750 0 0 HEALTH CARE REIT INC COM 42217K106 334 9800 SH SOLE 8600 1200 0 HEWLETT PACKARD CO COM 428236103 474 12261 SH SOLE 7315 4146 800 HEWLETT PACKARD CO COM 428236103 12 300 SH DEFINED 300 0 0 INTEL CORP COM 458140100 85 5149 SH SOLE 1941 3208 0 INTEL CORP COM 458140100 270 16331 SH DEFINED 15831 500 0 INTERNATIONAL BUSINESS MACHS COM 459200101 449 4301 SH SOLE 2627 1674 0 INTERNATIONAL BUSINESS MACHS COM 459200101 153 1470 SH DEFINED 1470 0 0 ISHARES COMEX GOLD TR ISHARES 464285105 583 6390 SH SOLE 4140 2250 0 ISHARES INC MSCI PAC J IDX 464286665 426 13465 SH SOLE 8965 4500 0 ISHARES S&P GSCI COMMODITY I UNIT BEN INT 46428R107 1649 54890 SH SOLE 52890 1525 475 ISHARES S&P GSCI COMMODITY I UNIT BEN INT 46428R107 109 3645 SH DEFINED 1545 450 1650 ISHARES TR DJ US TELECOMM 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464287812 35 743 SH DEFINED 743 0 0 ISHARES TR DJ US TECH SEC 464287721 2718 61101 SH SOLE 56951 3550 600 ISHARES TR DJ US ENERGY 464287796 52 1804 SH DEFINED 1654 150 0 ISHARES TR DJ US ENERGY 464287796 1807 63120 SH SOLE 58715 3430 975 ISHARES TR DJ US FINL SEC 464287788 63 1490 SH DEFINED 290 250 950 ISHARES TR DJ US FINL SEC 464287788 1350 31681 SH SOLE 28481 3075 125 ISHARES TR DJ US HEALTHCR 464287762 158 2923 SH DEFINED 1223 300 1400 ISHARES TR DJ US HEALTHCR 464287762 2807 51877 SH SOLE 46682 4870 325 ISHARES TR DJ US INDUSTRL 464287754 55 1318 SH DEFINED 818 500 0 ISHARES TR DJ US INDUSTRL 464287754 1536 36830 SH SOLE 32980 3575 275 ISHARES TR BARCLYS CR BD 464288620 964 9845 SH SOLE 8815 550 480 ISHARES TR DJ US BAS MATL 464287838 1175 27066 SH SOLE 23041 4025 0 ISHARES TR CONS SRVC IDX 464287580 372 8394 SH SOLE 7869 350 175 ISHARES TR RUSSELL 2000 464287655 2892 56614 SH SOLE 52849 3540 225 ISHARES TR RUSSELL1000GRW 464287614 75 1831 SH DEFINED 1260 571 0 ISHARES TR CONS SRVC IDX 464287580 21 470 SH DEFINED 320 150 0 ISHARES TR COHEN&ST RLTY 464287564 84 2335 SH DEFINED 710 375 1250 ISHARES TR COHEN&ST RLTY 464287564 612 17040 SH SOLE 16045 650 345 ISHARES TR RUSSELL MIDCAP 464287499 232 3538 SH DEFINED 3238 300 0 ISHARES TR RUSSELL MIDCAP 464287499 2428 37065 SH SOLE 34655 1735 675 ISHARES TR RUSSELL MCP GR 464287481 211 5800 SH SOLE 1800 4000 0 ISHARES TR MSCI EAFE IDX 464287465 650 14182 SH DEFINED 6597 1335 6250 ISHARES TR MSCI EAFE IDX 464287465 6047 131995 SH SOLE 116699 13696 1600 ISHARES TR BARCLYS 1-3 YR 464287457 527 6300 SH DEFINED 2400 1500 2400 ISHARES TR BARCLYS 1-3 YR 464287457 2568 30682 SH SOLE 27827 2155 700 ISHARES TR S&P NA NAT RES 464287374 220 7925 SH SOLE 7600 0 325 ISHARES TR MSCI EMERG MKT 464287234 589 18284 SH DEFINED 10919 3615 3750 ISHARES TR MSCI EMERG MKT 464287234 5989 185881 SH SOLE 165661 18445 1775 ISHARES TR BARCLYS US AGG B 464287226 1077 10545 SH DEFINED 7345 1200 2000 ISHARES TR BARCLYS US AGG B 464287226 4259 41692 SH SOLE 37227 3865 600 ISHARES TR BARCLYS TIPS BD 464287176 58 575 SH DEFINED 575 0 0 ISHARES TR BARCLYS TIPS BD 464287176 2332 22946 SH SOLE 19346 3220 380 ISHARES TR DJ SEL DIV INX 464287168 111 3125 SH DEFINED 3125 0 0 ISHARES TR DJ SEL DIV INX 464287168 632 17885 SH SOLE 11610 6275 0 ISHARES TR RUSSELL1000GRW 464287614 153 3728 SH SOLE 3728 0 0 ISHARES TR S&P NA NAT RES 464287374 1 50 SH DEFINED 50 0 0 ISHARES TR RUSL 2000 GROW 464287648 23 405 SH DEFINED 405 0 0 JACOBS ENGR GROUP INC DEL COM 469814107 25 600 SH DEFINED 0 100 500 JACOBS ENGR GROUP INC DEL COM 469814107 276 6555 SH SOLE 4015 2540 0 JOHNSON & JOHNSON COM 478160104 1876 33042 SH SOLE 28104 4938 0 JOHNSON & JOHNSON COM 478160104 275 4835 SH DEFINED 3835 350 650 JPMORGAN CHASE & CO COM 46625H100 423 12404 SH SOLE 11070 1334 0 JPMORGAN CHASE & CO COM 46625H100 407 11941 SH DEFINED 11200 741 0 LA Z BOY INC COM 505336107 548 116150 SH SOLE 106150 10000 0 LA Z BOY INC COM 505336107 0 100 SH DEFINED 100 0 0 LILLY ELI & CO COM 532457108 155 4472 SH SOLE 3204 1268 0 LILLY ELI & CO COM 532457108 111 3200 SH DEFINED 3200 0 0 MBT FINL CORP COM 578877102 603 263406 SH SOLE 79759 18000 165647 MCDONALDS CORP COM 580135101 1323 23005 SH SOLE 19515 3490 0 MCDONALDS CORP COM 580135101 137 2387 SH DEFINED 1587 100 700 MEDCO HEALTH SOLUTIONS INC COM 58405U102 65 1420 SH DEFINED 1420 0 0 MEDCO HEALTH SOLUTIONS INC COM 58405U102 282 6188 SH SOLE 4188 2000 0 MEDTRONIC INC COM 585055106 508 14570 SH SOLE 13175 1395 0 MEDTRONIC INC COM 585055106 72 2060 SH DEFINED 960 200 900 MICROSOFT CORP COM 594918104 1559 65574 SH SOLE 53464 12110 0 MICROSOFT CORP COM 594918104 456 19200 SH DEFINED 16750 1000 1450 MYLAN INC COM 628530107 133 10225 SH SOLE 6425 3800 0 NOBLE CORPORATION BAAR NAMEN -AKT H5833N103 51 1700 SH DEFINED 800 350 550 NOBLE CORPORATION BAAR NAMEN -AKT H5833N103 1023 33820 SH SOLE 26566 7019 235 NORFOLK SOUTHERN CORP COM 655844108 162 4311 SH SOLE 4225 86 0 NORFOLK SOUTHERN CORP COM 655844108 91 2413 SH DEFINED 2413 0 0 NUVEEN QUALITY PFD INC FD 3 COM 67072W101 74 12400 SH SOLE 12400 0 0 NUVEEN QUALITY PFD INCOME FD COM 67071S101 104 18840 SH DEFINED 12240 0 6600 NUVEEN QUALITY PFD INCOME FD COM 67072C105 79 12600 SH SOLE 12600 0 0 NUVEEN QUALITY PFD INCOME FD COM 67071S101 408 73980 SH SOLE 73980 0 0 OCCIDENTAL PETE CORP DEL COM 674599105 224 3400 SH DEFINED 3400 0 0 OCCIDENTAL PETE CORP DEL COM 674599105 10 152 SH SOLE 0 152 0 ORACLE CORP COM 68389X105 67 3150 SH DEFINED 750 450 1950 ORACLE CORP COM 68389X105 1188 55489 SH SOLE 41519 13970 0 PEPSICO INC COM 713448108 1126 20500 SH SOLE 17750 2700 50 PEPSICO INC COM 713448108 222 4045 SH DEFINED 2720 1075 250 PFIZER INC COM 717081103 227 15163 SH SOLE 8706 6457 0 PFIZER INC COM 717081103 14 950 SH DEFINED 450 500 0 PHILIP MORRIS INTL INC COM 718172109 164 3760 SH DEFINED 3260 0 500 PHILIP MORRIS INTL INC COM 718172109 1019 23360 SH SOLE 17690 5670 0 POWERSHARES GLOBAL ETF TRUST INSUR NATL MUN 73936T474 293 13100 SH DEFINED 13100 0 0 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