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, 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: Macatawa Bank Corporation
Address: 10753 Macatawa Drive
Holland, MI 49424
Form 13F File Number: 28-13033
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 the Reporting Manager:
Name: Nadine Terpstra
Title: Vice President-Trust Operations Manager
Phone: 616-233-3311
Signature, Place, and Date of Signing:
/s/ Nadine Terpstra Holland, MI 11/13/08
[Signature] [City, State] [Date]
Nadine Terpstra
Report Type (Check only one.):
[X] 13F HOLDINGS REPORT. (Check here if all holdings of this reporting
manager are reported in this report.)
[ ] 13F NOTICE. (Check here if no holdings reported are in this report,
and all holdings are reported by other reporting manager(s).)
[ ] 13F COMBINATION REPORT. (Check here if a portion of the holdings for
this reporting manager are reported in this report and a portion are
reported by other reporting manager(s).)
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 1
Form 13F Information Table Entry Total: 88
Form 13F Information Table Value Total: $128,978
(thousands)
List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all
institutional investment managers with respect to which this report is filed,
other than the manager filing this report.
No. Form 13F File # Name
01 Not yet known Macatawa Bank
FORM 13F INFORMATION TABLE
Voting Authority
----------------
Title of Value Shares/ Sh/ Put/ Invstmt Other
Name of Issuer class CUSIP (x$1000) Prn Amt Prn Call Dscretn Managers Sole Shared None
----------------------------- --------- ----- -------- ------- --- --- ------- -------- ---- ------ ----
APPLE INC COM 037833100 603.00 5,307.00 SH DEFINED 01 2,140.00 3,167.00
AUTODESK INC COM COM 052769106 1,273.00 37,946.00 SH DEFINED 01 19,695.00 18,251.00
BB&T CORP COM 054937107 242.00 6,400.00 SH DEFINED 01 6,400.00
BP AMOCO PLC SPONSORED ADR FOR 055622104 524.00 10,445.00 SH DEFINED 01 10,445.00
BANK OF AMERICA COM 060505104 2,406.00 68,755.00 SH DEFINED 01 39,268.00 29,487.00
BANK OF FLORIDA CORP COM COM 062128103 215.00 26,000.00 SH DEFINED 01 26,000.00
BERKSHIRE HATHAWAY INC CL B COM 084670207 365.00 83.00 SH DEFINED 01 82.00 1.00
BRISTOL MYERS SQUIBB CO COM 110122108 234.00 11,234.00 SH DEFINED 01 11,234.00
CASCADE BANCORP INC COM COM 147154108 315.00 35,400.00 SH DEFINED 01 35,400.00
CHEMICAL FINANCIAL CORP COM 163731102 218.00 6,985.00 SH DEFINED 01 6,985.00
CITIGROUP COM 172967101 215.00 10,500.00 SH DEFINED 01 500.00 10,000.00
COACH INC COM COM 189754104 851.00 34,015.00 SH DEFINED 01 17,965.00 16,050.00
COBIZ INC COM COM 190897108 180.00 15,000.00 SH DEFINED 01 15,000.00
COGNIZANT TECH SOLUTIONS
CORP CL A COM 192446102 1,429.00 62,600.00 SH DEFINED 01 31,824.00 30,775.00
COOPERATIVE BANKSHARES
INC COM COM 216844100 115.00 21,393.00 SH DEFINED 01 21,393.00
CRESCENT FINANCIAL CORP COM COM 225744101 230.00 38,250.00 SH DEFINED 01 38,250.00
DANAHER CORP COM 235851102 1,721.00 24,810.00 SH DEFINED 01 13,760.00 11,050.00
DEUTSCHE TELEKOM AG
SPONSORED ADR FOR 251566105 192.00 12,600.00 SH DEFINED 01 12,600.00
ENERGY CONVERSN DEVICE COM COM 292659109 361.00 6,190.00 SH DEFINED 01 6,190.00
ENTERPRISE FINANCIAL
SERVICES COM COM 293712105 384.00 17,000.00 SH DEFINED 01 17,000.00
FIRST CALIFORNIA FINANCIAL
GROUP INC COM 319395109 472.00 54,898.00 SH DEFINED 01 42,898.00 12,000.00
FISERV INC COM 337738108 3,215.00 67,940.00 SH DEFINED 01 44,108.00 23,832.00
GENERAL ELECTRIC CO COM 369604103 2,515.00 98,628.00 SH DEFINED 01 71,255.00 27,373.00
GENTEX CORP COM 371901109 363.00 25,401.00 SH DEFINED 01 21,375.00 4,026.00
HEINZ H J CO COM 423074103 242.00 4,835.00 SH DEFINED 01 4,800.00 35.00
HUNTINGTON BANCSHARES INC COM 446150104 1,714.00 214,526.00 SH DEFINED 01 214,282.00 244.00
JOHNSON & JOHNSON COM 478160104 3,406.00 49,171.00 SH DEFINED 01 29,597.00 19,574.00
KIMBERLY CLARK COM 494368103 224.00 3,450.00 SH DEFINED 01 3,450.00
KINDER MORGAN ENERGY UT LTD PA COM 494550106 780.00 15,000.00 SH DEFINED 01 15,000.00
LAKELAND FINL CORP COM COM 511656100 450.00 20,500.00 SH DEFINED 01 20,500.00
LOWES COS INC COM 548661107 1,887.00 79,644.00 SH DEFINED 01 49,834.00 29,810.00
MACATAWA BANK CORP COM 554225102 11,999.00 1,716,555.00 SH DEFINED 01 712,214.00 1,004,341.00
METAVANTE HOLDING CO COM COM 591407101 331.00 17,166.00 SH DEFINED 01 17,166.00
MORNINGSTAR INC COM 617700109 1,772.00 31,944.00 SH DEFINED 01 22,524.00 9,420.00
NATIONAL CITY CORP COM 635405103 28.00 15,725.00 SH DEFINED 01 15,381.00 344.00
PEPSICO INC COM 713448108 1,415.00 31,380.00 SH DEFINED 01 18,580.00 12,800.00
PFIZER INC COM 717081103 11,177.00 606,135.00 SH DEFINED 01 606,135.00
PHILIP MORRIS INTERNATIONAL INC COM 718172109 2,344.00 48,735.00 SH DEFINED 01 8,450.00 40,285.00
PREMIERWEST BANCORP COM COM 740921101 291.00 36,000.00 SH DEFINED 01 36,000.00
PROCTER & GAMBLE CO COM 742718109 2,292.00 32,892.00 SH DEFINED 01 19,682.00 13,210.00
PRIVATE BANCORP INC COM COM 742962103 529.00 12,700.00 SH DEFINED 01 12,700.00
PROGENICS PHARMACEUTICAL INC COM 743187106 200.00 15,000.00 SH DEFINED 01 15,000.00
PULASKI FINANCIAL CORP COM COM 745548107 261.00 29,849.00 SH DEFINED 01 29,849.00
REYNOLDS AMERICAN INC COM COM 761713106 228.00 4,690.00 SH DEFINED 01 4,690.00
RIVERVIEW BANCORP INC COM COM 769397100 241.00 40,400.00 SH DEFINED 01 40,400.00
ROHM & HAAS CO COM 775371107 211.00 1,350.00 SH DEFINED 01 1,350.00
SEI INVTS CO COM 784117103 1,797.00 80,975.00 SH DEFINED 01 51,520.00 29,455.00
SCHLUMBERGER LTD COM COM 806857108 2,437.00 31,208.00 SH DEFINED 01 18,523.00 12,685.00
SOUTHERN CO COM 842587107 263.00 6,965.00 SH DEFINED 01 6,965.00
STATE STREET CORP COM 857477103 421.00 7,400.00 SH DEFINED 01 7,400.00
STERICYCLE INC COM COM 858912108 2,792.00 47,397.00 SH DEFINED 01 28,922.00 18,475.00
STRYKER CORP COM 863667101 9,716.00 155,962.00 SH DEFINED 01 140,185.00 15,777.00
TEVA PHARMACEUTICAL INDS
LTD ADR FOR 881624209 3,333.00 72,805.00 SH DEFINED 01 43,560.00 29,245.00
TOWER FINANCIAL CORP COM 891769101 679.00 93,540.00 SH DEFINED 01 62,149.00 31,391.00
US BANCORP DEL COM NEW COM 902973304 351.00 9,735.00 SH DEFINED 01 9,200.00 535.00
UNITED TECHNOLOGIES CORP COM 913017109 772.00 12,863.00 SH DEFINED 01 6,008.00 6,855.00
VANGUARD MID-CAP VIPERS COM 922908629 2,009.00 33,841.00 SH DEFINED 01 22,147.00 11,694.00
WALGREEN CO COM 931422109 1,878.00 60,664.00 SH DEFINED 01 37,574.00 23,090.00
WELLS FARGO & CO COM 949746101 3,359.00 89,501.00 SH DEFINED 01 58,610.00 30,891.00
AT & T INC COM COM 00206R102 1,958.00 70,153.00 SH DEFINED 01 48,691.00 21,462.00
ADOBE SYS INC COM COM 00724F101 1,713.00 43,397.00 SH DEFINED 01 22,968.00 20,429.00
ALTRIA GROUP INC COM COM 02209S103 228.00 11,500.00 SH DEFINED 01 11,500.00
AMERICAN CAPITAL LTD COM COM 02503Y103 431.00 16,900.00 SH DEFINED 01 16,900.00
BANNER CORPORATION COM COM 06652V109 360.00 30,000.00 SH DEFINED 01 30,000.00
BLACKROCK INC COMMON STOCK COM 09247X101 311.00 1,600.00 SH DEFINED 01 1,600.00
BLACKROCK STRAT DIV AC COM ETF 09249Y107 101.00 10,000.00 SH DEFINED 01 10,000.00
CME GROUP INC COM COM 12572Q105 373.00 1,005.00 SH DEFINED 01 1,000.00 5.00
CAPITOL BANCORP LTD COM 14056D105 205.00 10,500.00 SH DEFINED 0 10,500.00
CISCO SYSTEMS INC COM 17275R102 3,297.00 146,150.00 SH DEFINED 01 81,122.00 65,028.00
DEARBORN BANCORP INC CAP COM 24242R108 156.00 31,311.00 SH DEFINED 01 31,311.00
EATON VANCE TAX ADVT COM ETF 27828G107 196.00 12,482.00 SH DEFINED 01 12,482.00
EATON VANCE TX MGD DIV COM ETF 27828N102 184.00 15,000.00 SH DEFINED 01 15,000.00
EATON VANCE TX ADV GLB COM ETF 27828S101 199.00 13,799.00 SH DEFINED 01 13,799.00
EATON VANCE TAX MNG GB COM ETF 27829F108 224.00 20,000.00 SH DEFINED 01 20,000.00
EXXON MOBIL CORP COM COM 30231G102 4,285.00 55,181.00 SH DEFINED 01 38,926.00 16,255.00
FIRSTBANK CORP COM 33761G104 149.00 14,586.00 SH DEFINED 01 14,586.00
GOOGLE INC COM COM 38259P508 1,209.00 3,005.00 SH DEFINED 01 1,236.00 1,769.00
HEALTH CARE REIT INC COM COM 42217K106 281.00 5,273.00 SH DEFINED 01 5,273.00
HEARTLAND PAYMENT SYSTEM
INC COM COM 42235N108 383.00 15,000.00 SH DEFINED 01 15,000.00
INTERCONTINENTALEXCHANGE INC COM 45865V100 276.00 3,418.00 SH DEFINED 01 3,400.00 18.00
INTUITIVE SURGICAL INC COM COM 46120E602 980.00 4,067.00 SH DEFINED 01 1,552.00 2,515.00
J P MORGAN CHASE & CO COM COM 46625H100 571.00 12,227.00 SH DEFINED 01 300.00 11,927.00
KRAFT FOODS INC COM 50075N104 689.00 21,067.00 SH DEFINED 01 11,067.00 10,000.00
MB FINANCIAL INC NEW COM COM 55264U108 506.00 15,300.00 SH DEFINED 01 15,300.00
MONSANTO CO NEW COM COM 61166W101 10,882.00 109,940.00 SH DEFINED 01 109,940.00
ORACLE CORP COM COM 68389X105 187.00 9,190.00 SH DEFINED 01 9,190.00
PACIFIC CONTIENTAL CORP COM 69412V108 512.00 35,000.00 SH DEFINED 01 35,000.00
PINNACLE FINANCIAL PARTNERS INC COM 72346Q104 656.00 21,300.00 SH DEFINED 01 21,300.00
POWERSHARES WILDERHILL
CLEAN ENERGY COM 73935X500 1,324.00 89,118.00 SH DEFINED 01 42,643.00 46,475.00
POWERSHARES WILDERHILL DYNAMIC
BIOTECHNOLOGY & GENOME PORTFOL COM 73935X856 1,514.00 83,652.00 SH DEFINED 01 43,387.00 40,265.00
T ROWE PRICE GROUP INC COM COM 74144T108 482.00 8,965.00 SH DEFINED 01 3,790.00 5,175.00
SIERRA BANCORP COM COM 82620P102 480.00 23,000.00 SH DEFINED 01 23,000.00
ADR VEOLIA ENVIRONNEMENT SA FOR 92334N103 469.00 11,365.00 SH DEFINED 01 4,385.00 6,980.00
VERIZON COMMUNICATIONS INC COM 92343V104 299.00 9,330.01 SH DEFINED 01 8,765.00 565.01
WASTE MANAGEMENT INC COM 94106L109 441.00 14,000.00 SH DEFINED 01 14,000.00
WINDSTREAM CORPORATION COM COM 97381W104 158.00 14,488.00 SH DEFINED 01 14,488.00
WINTRUST FINANCIAL CORP COM COM 97650W108 235.00 8,000.00 SH DEFINED 01 8,000.00
XTO ENERGY INC COM 98385X106 1.00 32,184.00 SH DEFINED 01 17,648.00 14,536.00
REPORT SUMMARY 98 DATA RECORDS 127,372 1 OTHER MANAGERS ON WHOSE BEHALF REPORT IS FILED