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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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<SEC-DOCUMENT>0000007789-03-000018.txt : 20030408
<SEC-HEADER>0000007789-03-000018.hdr.sgml : 20030408
<ACCEPTANCE-DATETIME>20030408163217
ACCESSION NUMBER:		0000007789-03-000018
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030331
FILED AS OF DATE:		20030408
EFFECTIVENESS DATE:		20030408

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ASSOCIATED BANC-CORP
		CENTRAL INDEX KEY:			0000007789
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				391098068
		STATE OF INCORPORATION:			WI
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-00967
		FILM NUMBER:		03642923

	BUSINESS ADDRESS:	
		STREET 1:		1200 HANSEN ROAD
		CITY:			GREEN BAY
		STATE:			WI
		ZIP:			54304
		BUSINESS PHONE:		9204917015

	MAIL ADDRESS:	
		STREET 1:		1200 HANSEN ROAD
		CITY:			GREEN BAY
		STATE:			WI
		ZIP:			54304

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ASSOCIATED BANK SERVICES INC
		DATE OF NAME CHANGE:	19770626
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>march03-13fhr.txt
<DESCRIPTION>FORM 13F-HR
<TEXT>
                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 13F

       INFORMATION REQUIRED OF INSTITUTIONAL INVESTMENT MANAGERS PURSUANT
  TO SECTION 13(f) OF THE SECURITIES EXCHANGE ACT OF 1934 AND RULES THEREUNDER

          Report for the Calendar Year or Quarter Ended March 31, 2003

If Amended report check here: |_|

                              ASSOCIATED BANC-CORP
- --------------------------------------------------------------------------------
Name of Institutional Investment Manager

                     1200 Hansen Road       Green Bay        WI         54304
- --------------------------------------------------------------------------------
Business Address       (Street)              (City)        (State)      (Zip)

                                             Chief Administrative Officer,
Brian R. Bodager     (920) 491-7001    General Counsel and Corporate Secretary
- --------------------------------------------------------------------------------
Name, Phone No. and Title of Person Duly Authorized to Submit This Report


                                   ATTENTION

- --------------------------------------------------------------------------------

                 Intentional misstatements or omissions of facts
                     constitute Federal Criminal Violations
                     See 18 U.S.C. 1001 and 15 U.S.C.78ff(a)
- --------------------------------------------------------------------------------

The institutional investment manager submitting this form and its attachments
and the person by whom it is signed represent hereby that all information
contained therein is true, correct and complete. It is understood that all
required items, statements and schedules are considered integral parts of this
Form and that the submission of any amendment represents that all unamended
items, statements and schedules remain true, correct and complete as previously
submitted.

Pursuant to the requirements of the Securities Exchange Act of 1934, the
undersigned institutional investment manager has caused this report to be signed
on its behalf in the City of Green Bay and State of Wisconsin on the 8th day of
April, 2003.

                                    Associated Banc-Corp
                                    --------------------------------------------
                                    Name of Institutional Investment Manager

                                       /s/ Brian R. Bodager
                                    --------------------------------------------
                                    Manual Signature of Person Duly Authorized
                                    to Submit This Report

Name and 13F file numbers of ALL institutional  investment managers with respect
to which this schedule is filed (other than the one filing this  report).  (List
in alphabetical order.)

13F file numbers will be assigned to Institutional Investment Managers after
they file their first report.

         Name                 13F File No.        Name        13F File No.
         ----                 ------------        ----        ------------

Associated Trust Company,
National Association
- -------------------------     ------------        ----        ------------
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 03/31/03 PAGE 1 - - - - - - ITEM 1 AND 2 - - - - - - - ITEM 3 - - - ITEM 4
- - - -ITEM 5 - - -ITEM 6- - - -ITEM 7- - - - - - - - -ITEM 8- - - - - -
                                                                          INVESTMENT
                                                    MARKET     SHARES     DISCRETION                        VOTING AUTHORITY
                                                    VALUE        OR     SOLE SHR OTHER                  SOLE      SHARED     NONE
     ISSUER AND TITLE OF CLASS          CUSIP    (THOUSANDS)  PRINCIPAL  (A) (B) (C)    MANAGERS         (A)        (B)       (C)
<S>                                   <C>        <C>          <C>        <C> <C> <C>    <C>           <C>          <C>        <C>
RENAISSANCERE HLDGS LTD ORG           G7496G103      1,122      28,010        X           2            28,010
XL CAPITAL LTD CL A COM               G98255105      4,970      70,215        X           2            69,865        275         75
XL CAPITAL LTD CL A COM               G98255105        122       1,725        X   X       2             1,425        300
LIMITED PARTNERSHIP INTEREST          MS0023544        313           6        X           2                 6
    IN THE STAFFORD INVESTMENTS
LIMITED PARTNERSHIP INTEREST          MS0023593      2,783          87        X           2                87
    IN THE STAFFORD INVESTMENTS
CHECK POINT SOFTWARE TECH LT ORD      M22465104        386      26,650        X           2            26,500                   150
CHECK POINT SOFTWARE TECH LT ORD      M22465104         12         800        X   X       2                          800
FLEXTRONICS INTL LTD ORD              Y2573F102      2,862     328,205        X           2           325,455      1,190      1,560
FLEXTRONICS INTL LTD ORD              Y2573F102         86       9,885        X   X       2             4,835      5,050
AIM INVT SECS FDS LTD MATURITY        00142C201        555      52,828        X           2            52,828
    TREAS PORTFOLIO SHS
AOL TIME WARNER INC COM               00184A105        142      13,115        X           2            12,715                   400
AOL TIME WARNER INC COM               00184A105          4         378        X   X       2               250        128
ABBOTT LABS COM                       002824100      3,648      96,998        X           2            93,498                 3,500
ABBOTT LABS COM                       002824100        291       7,727        X   X       2             6,297      1,430
AIR PRODS & CHEMS INC COM             009158106      8,080     195,030        X           2           193,580        275      1,175
AIR PRODS & CHEMS INC COM             009158106        270       6,515        X   X       2             5,840        675
ALBANY INTL CORP COM                  012348108        363      15,854        X           2            15,854
ALBANY INTL CORP COM                  012348108          8         351        X   X       2               351
ALLIANCE CAPITAL MGMT HLDG LP COM     01855A101      1,920      66,675        X           2            66,675
ALLIANCE CAPITAL MGMT HLDG LP COM     01855A101         68       2,350        X   X       2               250                 2,100
* ALLIANCE MUNI INCOME FD CL A        018642108        204      20,792        X           2            20,792
ALLIANT ENERGY CORP COM               018802108        166      10,322        X           2            10,322
ALLIANT ENERGY CORP COM               018802108         15         918        X   X       2               818        100
ALLSTATE CORP COM                     020002101      2,144      64,633        X           2            59,461      1,048      4,124
ALLSTATE CORP COM                     020002101         48       1,436        X   X       2                        1,436
                                                    ------
        COLUMN TOTALS                               30,582
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 03/31/03 PAGE 2 - - - - - - ITEM 1 AND 2 - - - - - - - ITEM 3 - - - ITEM 4
- - - -ITEM 5 - - -ITEM 6- - - -ITEM 7- - - - - - - - -ITEM 8- - - - - -
                                                                          INVESTMENT
                                                    MARKET     SHARES     DISCRETION                        VOTING AUTHORITY
                                                    VALUE        OR     SOLE SHR OTHER                  SOLE      SHARED     NONE
     ISSUER AND TITLE OF CLASS          CUSIP    (THOUSANDS)  PRINCIPAL  (A) (B) (C)    MANAGERS         (A)        (B)       (C)
<S>                                   <C>        <C>          <C>        <C> <C> <C>    <C>         <C>           <C>       <C>
ALTRIA GROUP INC COM                  02209S103      6,228     207,874        X           2           203,074                 4,800
ALTRIA GROUP INC COM                  02209S103      1,395      46,565        X   X       2            21,090     20,050      5,425
AMERICAN EXPRESS CO COM               025816109        710      21,375        X           2            20,975                   400
AMERICAN INTL GROUP INC COM           026874107      9,207     186,189        X           2           182,393                 3,796
AMERICAN INTL GROUP INC COM           026874107        405       8,186        X   X       2             6,026      2,160
AMGEN INC COM                         031162100      2,514      43,680        X           2            42,480        500        700
AMGEN INC COM                         031162100         39         675        X   X       2               100        575
ANADARKO PETROLEUM CORP COM           032511107        374       8,216        X           2             7,708                   508
ANCHOR BANCORP WI INC COM             032839102      2,814     128,189        X           2           128,189
ANCHOR BANCORP WI INC COM             032839102          3         134        X   X       2                          134
ANHEUSER BUSCH COS INC COM            035229103        419       8,985        X           2             8,985
AON CORP COM                          037389103      1,130      54,657        X           2            54,657
AON CORP COM                          037389103         59       2,875        X   X       2             2,875
APPLIED MATERIALS COM                 038222105      2,807     223,156        X           2           220,646      2,050        460
APPLIED MATERIALS COM                 038222105         14       1,120        X   X       2               280        840
AQUAGEN INTL INC COM                  03838D103          1      20,000        X           2            20,000
ASCENTIAL SOFTWARE CORP COM           04362P108         56      20,000        X           2            20,000
ASSOCIATED BANC CORP COM              045487105    157,623   4,875,443        X           2         4,070,206        320    804,917
ASSOCIATED BANC CORP COM              045487105     10,661     329,752        X   X       2           104,513     34,102    191,137
ASTORIA FINANCIAL CORP COM            046265104        650      27,965        X           2            27,965
ASTORIA FINANCIAL CORP COM            046265104          9         375        X   X       2                                     375
AUTO DATA PROCESS COM                 053015103      5,409     175,686        X           2           172,651        740      2,295
AUTO DATA PROCESS COM                 053015103        197       6,410        X   X       2             3,475      2,935
BJ SVCS CO COM                        055482103      4,241     123,320        X           2           122,310        760        250
BJ SVCS CO COM                        055482103         15         440        X   X       2               400         40
                                                   -------
        COLUMN TOTALS                              206,980
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 03/31/03 PAGE 3 - - - - - - ITEM 1 AND 2 - - - - - - - ITEM 3 - - - ITEM 4
- - - -ITEM 5 - - -ITEM 6- - - -ITEM 7- - - - - - - - -ITEM 8- - - - - -
                                                                          INVESTMENT
                                                    MARKET     SHARES     DISCRETION                        VOTING AUTHORITY
                                                    VALUE        OR     SOLE SHR OTHER                  SOLE      SHARED     NONE
     ISSUER AND TITLE OF CLASS          CUSIP    (THOUSANDS)  PRINCIPAL  (A) (B) (C)    MANAGERS         (A)        (B)       (C)
<S>                                   <C>        <C>          <C>        <C> <C> <C>    <C>           <C>         <C>        <C>
BP PLC ADR                            055622104      9,985     258,746        X           2           221,286                37,460
BP PLC ADR                            055622104        678      17,580        X   X       2            16,455        875        250
BAKER HUGHES INC COM                  057224107        239       7,975        X           2             7,975
BANK OF AMERICA CORP COM              060505104      1,640      24,529        X           2            21,509                 3,020
MEYER INVESTMENTS LTD PARTNERSHIP     060778008        426       1,637        X           2             1,637
    (COPY OF DOCUMENT ONLY)
MEYER INVESTMENTS LTD PARTNERSHIP     060778008        121         464        X   X       2               464
    (COPY OF DOCUMENT ONLY)
91% INTEREST IN 70 WEST SHOPPING      060987005        756           1        X   X       2                            1
    CENTER PARTNERSHIP MINOCQUA WI
BANK ONE CORP COM                     06423A103      2,538      73,319        X           2            66,511                 6,808
BANK ONE CORP COM                     06423A103        258       7,448        X   X       2             7,248        200
BANTA CORP COM                        066821109      1,863      63,185        X           2            63,185
BANTA CORP COM                        066821109         86       2,908        X   X       2             2,795        113
BAXTER INTL COM                       071813109        464      24,904        X           2            23,080                 1,824
BELLSOUTH CORP COM                    079860102      1,374      63,414        X           2            63,414
BELLSOUTH CORP COM                    079860102        139       6,400        X   X       2             2,800      3,600
BEMIS INC COM                         081437105      8,885     211,249        X           2           211,049                   200
BEMIS INC COM                         081437105        757      18,000        X   X       2                       18,000
BERKSHIRE HATHAWAY INC DEL CL B COM   084670207        291         136        X           2                88                    48
BERKSHIRE HATHAWAY INC DEL CL B COM   084670207          9           4        X   X       2                            4
BEST BUY CO INC COM                   086516101      2,902     107,610        X           2           107,460                   150
BEST BUY CO INC COM                   086516101        141       5,215        X   X       2             5,065        150
BIOMET INC COM                        090613100        313      10,210        X           2            10,035                   175
BIOMET INC COM                        090613100        138       4,500        X   X       2                        4,500
BLOCK H & R INC COM                   093671105      3,860      90,422        X           2            90,322                   100
BLOCK H & R INC COM                   093671105        121       2,836        X   X       2               936      1,900
BOEING CO COM                         097023105      2,367      94,472        X           2            94,472
                                                    ------
        COLUMN TOTALS                               40,351
</TABLE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 03/31/03 PAGE 4 - - - - - - ITEM 1 AND 2 - - - - - - - ITEM 3 - - - ITEM 4
- - - -ITEM 5 - - -ITEM 6- - - -ITEM 7- - - - - - - - -ITEM 8- - - - - -
                                                                          INVESTMENT
                                                    MARKET     SHARES     DISCRETION                        VOTING AUTHORITY
                                                    VALUE        OR     SOLE SHR OTHER                  SOLE      SHARED     NONE
     ISSUER AND TITLE OF CLASS          CUSIP    (THOUSANDS)  PRINCIPAL  (A) (B) (C)    MANAGERS         (A)        (B)       (C)
<S>                                   <C>        <C>         <C>         <C> <C> <C>    <C>         <C>           <C>        <C>
BOEING CO COM                         097023105         74       2,950        X   X       2             2,075        875
BRISTOL MYERS-SQUIBB CO COM           110122108      4,364     206,537        X           2           194,997                11,540
BRISTOL MYERS-SQUIBB CO COM           110122108        642      30,397        X   X       2             8,815     20,382      1,200
BROCADE COMMUNICATIONS SYSTEMS I COM  111621108         75      15,275        X           2            15,275
BROCADE COMMUNICATIONS SYSTEMS I COM  111621108          2         400        X   X       2                          400
BURLINGTON RESOURCES COM              122014103        309       6,484        X           2             6,484
CALPINE CORP COM                      131347106        111      33,700        X           2            33,550        150
CALPINE CORP COM                      131347106          4       1,350        X   X       2               950        400
CAPITAL ONE FINL CORP COM             14040H105         95       3,156        X           2             3,156
CAPITAL ONE FINL CORP COM             14040H105        381      12,700        X   X       2            10,300                 2,400
CARDINAL HEALTH INC COM               14149Y108      7,380     129,538        X           2           128,282        595        661
CARDINAL HEALTH INC COM               14149Y108        210       3,687        X   X       2             2,812        875
CAREMARK RX INC COM                   141705103      6,472     356,590        X           2           355,440                 1,150
CAREMARK RX INC COM                   141705103        207      11,400        X   X       2             7,500      3,900
CATALINA MARKETING CORP COM           148867104        195      10,115        X           2             9,915                   200
CATALINA MARKETING CORP COM           148867104         81       4,200        X   X       2             4,200
CATERPILLAR INC COM                   149123101      1,886      38,330        X           2            37,930                   400
CATERPILLAR INC COM                   149123101        100       2,025        X   X       2             1,850        175
CENDANT CORP COM                      151313103     15,546   1,224,060        X           2         1,217,985      1,980      4,095
CENDANT CORP COM                      151313103        388      30,555        X   X       2            20,655      9,900
CHARTER ONE FINANCIAL CORP COM        160903100      5,804     209,826        X           2           209,826
CHARTER ONE FINANCIAL CORP COM        160903100         28       1,020        X   X       2                          520        500
CHESAPEAKE CORP COM                   165159104        283      16,775        X           2            16,775
CHEVRONTEXACO CORP COM                166764100      9,251     143,096        X           2           138,073        160      4,863
CHEVRONTEXACO CORP COM                166764100        424       6,553        X   X       2             3,100      3,278        175
                                                    ------
        COLUMN TOTALS                               54,312
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 03/31/03 PAGE 5 - - - - - - ITEM 1 AND 2 - - - - - - - ITEM 3 - - - ITEM 4
- - - -ITEM 5 - - -ITEM 6- - - -ITEM 7- - - - - - - - -ITEM 8- - - - - -
                                                                          INVESTMENT
                                                    MARKET     SHARES     DISCRETION                        VOTING AUTHORITY
                                                    VALUE        OR     SOLE SHR OTHER                  SOLE      SHARED     NONE
     ISSUER AND TITLE OF CLASS          CUSIP    (THOUSANDS)  PRINCIPAL  (A) (B) (C)    MANAGERS         (A)        (B)       (C)
<S>                                   <C>        <C>          <C>        <C> <C> <C>    <C>           <C>         <C>         <C>
CISCO SYSTEMS INC COM                 17275R102      5,638     434,383        X           2           425,283        100      9,000
CISCO SYSTEMS INC COM                 17275R102        230      17,717        X   X       2            11,875      5,642        200
CITIGROUP INC COM                     172967101     12,727     369,445        X           2           368,037        500        908
CITIGROUP INC COM                     172967101        385      11,163        X   X       2             5,723      5,440
CITIZENS BANKING CORP COM             174420109      1,285      54,386        X           2            54,386
CLOROX CO COM                         189054109      3,401      73,652        X           2            73,652
CLOROX CO COM                         189054109        963      20,857        X   X       2                       20,857
COCA COLA CO COM                      191216100      4,023      99,384        X           2            96,784        100      2,500
COCA COLA CO COM                      191216100        128       3,169        X   X       2               958      2,211
COLGATE PALMOLIVE CO COM              194162103      4,250      78,061        X           2            74,811                 3,250
COLGATE PALMOLIVE CO COM              194162103        808      14,847        X   X       2             9,500      4,147      1,200
* COLUMBIA FIXED INCOME SECS FD       197643109        209      15,391        X           2            15,391
COMPARATOR SYSTEMS CORP NEW COM       204494207          1      93,500        X           2            93,500
CONOCOPHILLIPS COM                    20825C104        457       8,520        X           2             6,990                 1,530
CONSOLIDATED EDISON INC COM           209115104        147       3,830        X           2             3,630                   200
CONSOLIDATED EDISON INC COM           209115104         55       1,430        X   X       2               830        600
COUNTRY MAID FINANCIAL INC.           222356206          4      66,000        X           2            66,000
    COM NEW
DANAHER CORP COM                      235851102        705      10,726        X           2            10,506                   220
DANAHER CORP COM                      235851102         92       1,400        X   X       2             1,000        400
DEAN FOODS CO NEW COM                 242370104      2,877      67,044        X           2            67,044
DEAN FOODS CO NEW COM                 242370104        202       4,714        X   X       2               214      4,500
DELL COMPUTER COM                     247025109      3,096     113,350        X           2           111,750                 1,600
DELL COMPUTER COM                     247025109        131       4,800        X   X       2             3,600      1,200
DIAMONDS TR UNIT SER 1                252787106        459       5,750        X           2             5,750
DIAMONDS TR UNIT SER 1                252787106         20         250        X   X       2                          250
                                                    ------
        COLUMN TOTALS                               42,293
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 03/31/03 PAGE 6 - - - - - - ITEM 1 AND 2 - - - - - - - ITEM 3 - - - ITEM 4
- - - -ITEM 5 - - -ITEM 6- - - -ITEM 7- - - - - - - - -ITEM 8- - - - - -
                                                                          INVESTMENT
                                                    MARKET     SHARES     DISCRETION                        VOTING AUTHORITY
                                                    VALUE        OR     SOLE SHR OTHER                  SOLE      SHARED     NONE
     ISSUER AND TITLE OF CLASS          CUSIP    (THOUSANDS)  PRINCIPAL  (A) (B) (C)    MANAGERS         (A)        (B)       (C)
<S>                                   <C>        <C>          <C>        <C> <C> <C>    <C>           <C>          <C>       <C>
DISNEY WALT CO COM                    254687106      5,096     299,418        X           2           295,717                 3,701
DISNEY WALT CO COM                    254687106        274      16,120        X   X       2            10,770      5,350
DOLLAR GENERAL CORP COM               256669102         82       6,694        X           2             6,694
DOLLAR GENERAL CORP COM               256669102         91       7,445        X   X       2                        7,445
DOMINION RESOURCES INC NEW COM        25746U109        530       9,569        X           2             9,569
DOMINION RESOURCES INC NEW COM        25746U109         28         500        X   X       2               500
DONNELLEY R R & SONS CO COM           257867101        205      11,190        X           2            11,190
DONNELLEY R R & SONS CO COM           257867101         22       1,200        X   X       2             1,200
DOW CHEMICAL CO COM                   260543103      1,536      55,627        X           2            55,627
DOW CHEMICAL CO COM                   260543103         64       2,300        X   X       2               150      1,500        650
DU PONT E I DE NEMOURS & CO COM       263534109        332       8,548        X           2             6,493                 2,055
DU PONT E I DE NEMOURS & CO COM       263534109         23         600        X   X       2               600
DUKE ENERGY CORP COM                  264399106        981      67,486        X           2            67,486
DUKE ENERGY CORP COM                  264399106         38       2,600        X   X       2             2,600
DUN & BRADSTREET CORP DEL COM         26483E100        362       9,476        X           2             1,726                 7,750
DUN & BRADSTREET CORP DEL COM         26483E100        101       2,650        X   X       2               550                 2,100
EMC CORP MASS COM                     268648102         72       9,976        X           2             9,976
EMC CORP MASS COM                     268648102          5         750        X   X       2                          750
ENSCO INTL INC COM                    26874Q100      5,861     229,772        X           2           228,132      1,340        300
ENSCO INTL INC COM                    26874Q100        127       4,997        X   X       2             4,082        915
ENCOMPASS SERVICES CORP COM           29255U104                 31,646        X           2            31,646
EXXON MOBIL CORP COM                  30231G102     21,727     621,667        X           2           589,218      4,792     27,657
EXXON MOBIL CORP COM                  30231G102      2,484      71,067        X   X       2            49,266      8,575     13,226
FNB BANCSHARES INC IRON MTN MI COM    30252A901        456      11,536        X           2            11,536
FEDERAL NATL MTG ASSN COM             313586109      6,527      99,884        X           2            96,434        370      3,080
                                                    ------
        COLUMN TOTALS                               47,024
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 03/31/03 PAGE 7 - - - - - - ITEM 1 AND 2 - - - - - - - ITEM 3 - - - ITEM 4
- - - -ITEM 5 - - -ITEM 6- - - -ITEM 7- - - - - - - - -ITEM 8- - - - - -
                                                                          INVESTMENT
                                                    MARKET     SHARES     DISCRETION                        VOTING AUTHORITY
                                                    VALUE        OR     SOLE SHR OTHER                  SOLE      SHARED     NONE
     ISSUER AND TITLE OF CLASS          CUSIP    (THOUSANDS)  PRINCIPAL  (A) (B) (C)    MANAGERS         (A)        (B)       (C)
<S>                                   <C>        <C>        <C>          <C> <C> <C>    <C>        <C>            <C>        <C>
FEDERAL NATL MTG ASSN COM             313586109        586       8,960        X   X       2             3,260      5,700
* FEDERATED INCOME TRUST COM          314199100        156      14,680        X           2            14,680
* FEDERATED US GOVT SECS 1-3 YRS      31428M100        133      12,303        X           2            12,303
    INSTL SHS
FIDELITY SHORT TERM INVESTMENT FD     3158999B2    122,547  22,546,599        X           2        22,546,599
* FIDELITY HIGH INCOME FD             316146406        136      17,086        X           2            17,086
FIFTH THIRD BANCORP COM               316773100        358       7,120        X           2             7,120
FIFTH THIRD BANCORP COM               316773100        308       6,131        X   X       2             2,322                 3,809
FIRST DATA CORP COM                   319963104     10,297     278,225        X           2           275,595                 2,630
FIRST DATA CORP COM                   319963104        165       4,450        X   X       2             3,700        750
FIRST VA BANKS INC COM                337477103        224       5,703        X           2             5,703
FORD MOTOR CO DEL COM NEW             345370860         81      10,708        X           2            10,519                   189
FORTUNE BRANDS INC COM                349631101      3,575      83,390        X           2            82,890        100        400
FORTUNE BRANDS INC COM                349631101         86       2,016        X   X       2               366      1,450        200
FRANKLIN RESOURCES INC COM            354613101        792      24,072        X           2            23,722                   350
FRANKLIN RESOURCES INC COM            354613101        217       6,600        X   X       2             4,500                 2,100
FRESH BRANDS INC COM                  35803U108        223      16,563        X           2            16,563
GENERAL CREDIT CORP WARRANTS          369451117                 20,000        X           2            20,000
    EXP 04/30/2003
GENERAL ELEC CO COM                   369604103     28,847   1,131,258        X           2         1,033,454      1,370     96,434
GENERAL ELEC CO COM                   369604103      1,821      71,424        X   X       2            41,514     24,910      5,000
GENERAL MOTORS CORP COM               370442105        222       6,594        X           2             5,003                 1,591
GENERAL MOTORS CORP COM               370442105          3         100        X   X       2               100
GILLETTE CO COM                       375766102        248       8,025        X           2             7,025                 1,000
GILLETTE CO COM                       375766102         71       2,300        X   X       2             1,900        400
GLATFELTER COM                        377316104        461      43,237        X           2            40,372                 2,865
GLATFELTER COM                        377316104         16       1,488        X   X       2             1,488
                                                   -------
        COLUMN TOTALS                              171,573
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 03/31/03 PAGE 8 - - - - - - ITEM 1 AND 2 - - - - - - - ITEM 3 - - - ITEM 4
- - - -ITEM 5 - - -ITEM 6- - - -ITEM 7- - - - - - - - -ITEM 8- - - - - -
                                                                          INVESTMENT
                                                    MARKET     SHARES     DISCRETION                        VOTING AUTHORITY
                                                    VALUE        OR     SOLE SHR OTHER                  SOLE      SHARED     NONE
     ISSUER AND TITLE OF CLASS          CUSIP    (THOUSANDS)  PRINCIPAL  (A) (B) (C)    MANAGERS         (A)        (B)       (C)
<S>                                   <C>        <C>           <C>       <C> <C> <C>    <C>           <C>          <C>        <C>
GLAXO SMITHKLINE NEW ADR              37733W105      1,077      30,612        X           2            28,202                 2,410
GLAXO SMITHKLINE NEW ADR              37733W105        185       5,255        X   X       2             3,300      1,955
GOLDMAN SACHS GRP INC COM             38141G104      1,056      15,505        X           2            15,505
GOLDMAN SACHS GRP INC COM             38141G104         17         250        X   X       2               250
GRAINGER W W INC COM                  384802104        388       9,050        X           2             9,050
GREY GLOBAL GROUP INC COM             39787M108        247         400        X           2               400
GREYSTONE DIGITAL TECHN COM           39806G108          6      30,000        X           2            30,000
HARLEY DAVIDSON INC COM               412822108      3,048      76,745        X           2            75,595                 1,150
HARLEY DAVIDSON INC COM               412822108         85       2,150        X   X       2             2,050        100
HARRIS CORP DEL COM                   413875105      2,545      91,630        X           2            91,330                   300
HARRIS CORP DEL COM                   413875105         37       1,350        X   X       2               825        525
HEALTHTRAC INC COM                    42226R100          1      30,000        X           2            30,000
HEALTHTRAC INC COM                    42226R100                    800        X   X       2                          800
HEINZ H J CO COM                      423074103        227       7,775        X           2             6,800                   975
HEINZ H J CO COM                      423074103         16         550        X   X       2               100        450
HEWLETT PACKARD CO COM                428236103        148       9,538        X           2             9,538
HEWLETT PACKARD CO COM                428236103         22       1,400        X   X       2             1,400
HOME DEPOT INC COM                    437076102      2,251      92,409        X           2            90,914        670        825
HOME DEPOT INC COM                    437076102        135       5,550        X   X       2             4,900        650
HUBBELL INC CL A COM                  443510102        294       9,694        X           2             8,894                   800
HUBBELL INC CL A COM                  443510102         73       2,400        X   X       2                                   2,400
HUBBELL INC CL B                      443510201        245       7,817        X           2             7,597                   220
HUBBELL INC CL B                      443510201         21         664        X   X       2                                     664
IDT CORP COM                          448947101      2,158     144,063        X           2           143,163                   900
IDT CORP COM                          448947101         86       5,725        X   X       2             3,850      1,875
                                                    ------
        COLUMN TOTALS                               14,368
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 03/31/03 PAGE 9 - - - - - - ITEM 1 AND 2 - - - - - - - ITEM 3 - - - ITEM 4
- - - -ITEM 5 - - -ITEM 6- - - -ITEM 7- - - - - - - - -ITEM 8- - - - - -
                                                                          INVESTMENT
                                                    MARKET     SHARES     DISCRETION                        VOTING AUTHORITY
                                                    VALUE        OR     SOLE SHR OTHER                  SOLE      SHARED     NONE
     ISSUER AND TITLE OF CLASS          CUSIP    (THOUSANDS)  PRINCIPAL  (A) (B) (C)    MANAGERS         (A)        (B)       (C)
<S>                                   <C>        <C>         <C>         <C> <C> <C>    <C>         <C>           <C>       <C>
IDEC PHARMACEUTICALS CORP COM         449370105      3,294      96,277        X           2            95,802                   475
IDEC PHARMACEUTICALS CORP COM         449370105         24         710        X   X       2               310        400
IMS HEALTH INC COM                    449934108        662      42,396        X           2            10,996                31,400
IMS HEALTH INC COM                    449934108        165      10,600        X   X       2             2,200                 8,400
ILLINOIS TOOL WORKS INC COM           452308109      2,604      44,785        X           2            42,055                 2,730
ILLINOIS TOOL WORKS INC COM           452308109         30         510        X   X       2               400        110
INTEL CORP COM                        458140100      9,987     613,454        X           2           609,964      1,400      2,090
INTEL CORP COM                        458140100        486      29,846        X   X       2            18,000     11,346        500
INTERNATIONAL BUSINESS MACHS COM      459200101      9,091     115,912        X           2           112,201        210      3,501
INTERNATIONAL BUSINESS MACHS COM      459200101        408       5,197        X   X       2             3,242      1,955
INTERNATIONAL PAPER CO COM            460146103      2,375      70,270        X           2            70,170        100
INTERNATIONAL PAPER CO COM            460146103          9         275        X   X       2               275
JOHNSON & JOHNSON COM                 478160104     11,023     190,479        X           2           180,674      1,330      8,475
JOHNSON & JOHNSON COM                 478160104        673      11,625        X   X       2             8,175      3,350        100
JOHNSON CONTROLS INC COM              478366107        241       3,327        X           2             3,327
KLA-TENCOR CORP COM                   482480100        200       5,570        X           2             5,570
KIMBERLY CLARK CORP COM               494368103    128,513   2,826,949        X           2         1,931,055     39,695    856,199
KIMBERLY CLARK CORP COM               494368103      7,131     156,861        X   X       2           108,686     12,225     35,950
KING PHARMACEUTICALS INC COM          495582108      1,867     156,550        X           2           155,497      1,053
KING PHARMACEUTICALS INC COM          495582108         18       1,550        X   X       2             1,150        400
KOHLS CORP COM                        500255104      5,219      92,250        X           2            91,025                 1,225
KOHLS CORP COM                        500255104        255       4,515        X   X       2             2,275      2,240
LIBERTY MEDIA CORP NEW COM SER A      530718105      5,688     584,622        X           2           581,963                 2,659
LIBERTY MEDIA CORP NEW COM SER A      530718105        173      17,786        X   X       2            14,431      3,355
LILLY ELI & CO COM                    532457108      5,984     104,703        X           2           102,603                 2,100
                                                   -------
        COLUMN TOTALS                              196,120
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 03/31/03 PAGE 10 - - - - - - ITEM 1 AND 2 - - - - - - - ITEM 3 - - - ITEM 4
- - - -ITEM 5 - - -ITEM 6- - - -ITEM 7- - - - - - - - -ITEM 8- - - - - -
                                                                          INVESTMENT
                                                    MARKET     SHARES     DISCRETION                        VOTING AUTHORITY
                                                    VALUE        OR     SOLE SHR OTHER                  SOLE      SHARED     NONE
     ISSUER AND TITLE OF CLASS          CUSIP    (THOUSANDS)  PRINCIPAL  (A) (B) (C)    MANAGERS         (A)        (B)       (C)
<S>                                   <C>        <C>          <C>        <C> <C> <C>    <C>           <C>         <C>         <C>
LILLY ELI & CO COM                    532457108        315       5,510        X   X       2             3,560        350      1,600
LITTLEFIELD ADAMS & CO COM            537581100                 15,518        X           2            15,518
LOWES COS INC COM                     548661107      6,364     155,910        X           2           155,910
LOWES COS INC COM                     548661107         70       1,710        X   X       2               900        810
LUCENT TECHNOLOGIES INC COM           549463107         32      21,786        X           2            21,200                   586
LUCENT TECHNOLOGIES INC COM           549463107          1         792        X   X       2               760         32
MAF BANCORP INC COM                   55261R108        369      10,975        X           2            10,975
MGE ENERGY INC COM                    55277P104        197       7,431        X           2             7,431
MGE ENERGY INC COM                    55277P104         49       1,838        X   X       2             1,725        113
MANITOWOC CO INC COM                  563571108      1,075      63,964        X           2            61,277                 2,687
MANITOWOC CO INC COM                  563571108        764      45,452        X   X       2            42,459      2,993
MANPOWER INC COM                      56418H100        933      31,225        X           2            31,225
MARSH & MC LENNAN COS INC COM         571748102     18,666     437,858        X           2           429,728        800      7,330
MARSH & MC LENNAN COS INC COM         571748102        810      18,995        X   X       2            10,095      5,300      3,600
MARSHALL & ILSLEY CORP COM            571834100      7,787     304,656        X           2           304,456                   200
MARSHALL & ILSLEY CORP COM            571834100      2,293      89,722        X   X       2            33,984     55,738
MASCO CORP COM                        574599106      4,263     228,944        X           2           228,144                   800
MASCO CORP COM                        574599106        142       7,640        X   X       2             3,890      3,250        500
MATTEL INC COM                        577081102      5,869     260,865        X           2           259,765                 1,100
MATTEL INC COM                        577081102        164       7,300        X   X       2             2,575      4,725
MCDONALDS CORP COM                    580135101        328      22,649        X           2            22,549        100
MCDONALDS CORP COM                    580135101         21       1,458        X   X       2             1,258        200
MCGRAW-HILL CO INC COM                580645109        443       7,975        X           2             6,575                 1,400
MCGRAW-HILL CO INC COM                580645109         89       1,600        X   X       2             1,200        400
MCMULLEN & PITZ CONSTRUCTION CO       581990900        604          68        X           2                68
                                                    ------
        COLUMN TOTALS                               51,648
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 03/31/03 PAGE 11 - - - - - - ITEM 1 AND 2 - - - - - - - ITEM 3 - - - ITEM 4
- - - -ITEM 5 - - -ITEM 6- - - -ITEM 7- - - - - - - - -ITEM 8- - - - - -
                                                                          INVESTMENT
                                                    MARKET     SHARES     DISCRETION                        VOTING AUTHORITY
                                                    VALUE        OR     SOLE SHR OTHER                  SOLE      SHARED     NONE
     ISSUER AND TITLE OF CLASS          CUSIP    (THOUSANDS)  PRINCIPAL  (A) (B) (C)    MANAGERS         (A)        (B)       (C)
<S>                                   <C>        <C>          <C>        <C> <C> <C>    <C>           <C>         <C>        <C>
MEDIMMUNE INC COM                     584699102      5,521     168,170        X           2           167,215        630        325
MEDIMMUNE INC COM                     584699102         49       1,490        X   X       2             1,120        370
MEDTRONIC INC COM                     585055106     19,926     441,626        X           2           440,316        775        535
MEDTRONIC INC COM                     585055106      1,217      26,963        X   X       2             8,463     17,050      1,450
MELLON FINANCIAL CORP COM             58551A108      1,752      82,415        X           2            81,415                 1,000
MELLON FINANCIAL CORP COM             58551A108          9         400        X   X       2               400
MERCK & CO INC COM                    589331107     11,393     207,985        X           2           201,820        100      6,065
MERCK & CO INC COM                    589331107        704      12,851        X   X       2             7,576      5,075        200
MERRILL LYNCH & CO INC COM            590188108      2,239      63,240        X           2            63,240
MERRILL LYNCH & CO INC COM            590188108          7         200        X   X       2               200
MESA OFFSHORE TRUST UBI COM           590650107          1      15,300        X           2            15,300
MICROSOFT CORP COM                    594918104     20,869     861,986        X           2           855,056      2,080      4,850
MICROSOFT CORP COM                    594918104        743      30,682        X   X       2            21,350      9,132        200
MICRON TECHNOLOGY INC COM             595112103        238      29,210        X           2            29,210
MICRON TECHNOLOGY INC COM             595112103          2         300        X   X       2                          300
MIDWEST RESOURCES 02-1 OIL AND GAS    598349900        200          40        X           2                40
    INCOME LIMITED PARTNERSHIP
MOLEX INC COM                         608554101        490      22,810        X           2            22,810
MOLEX INC COM                         608554101         32       1,500        X   X       2             1,500
MOLEX INC CL A                        608554200      4,636     251,939        X           2           250,519                 1,420
MOLEX INC CL A                        608554200         75       4,064        X   X       2             3,814        250
MONTOUR INC COM                       614115194        478         358        X           2               358
MOODYS CORP COM                       615369105        930      20,124        X           2             4,424                15,700
MOODYS CORP COM                       615369105        245       5,300        X   X       2             1,100                 4,200
MORGAN STANLEY COM                    617446448        966      25,187        X           2            21,179        536      3,472
MORGAN STANLEY COM                    617446448          3          78        X   X       2                           78
                                                    ------
        COLUMN TOTALS                               72,725
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 03/31/03 PAGE 12 - - - - - - ITEM 1 AND 2 - - - - - - - ITEM 3 - - - ITEM 4
- - - -ITEM 5 - - -ITEM 6- - - -ITEM 7- - - - - - - - -ITEM 8- - - - - -
                                                                          INVESTMENT
                                                    MARKET     SHARES     DISCRETION                        VOTING AUTHORITY
                                                    VALUE        OR     SOLE SHR OTHER                  SOLE      SHARED     NONE
     ISSUER AND TITLE OF CLASS          CUSIP    (THOUSANDS)  PRINCIPAL  (A) (B) (C)    MANAGERS         (A)        (B)       (C)
<S>                                   <C>        <C>          <C>        <C> <C> <C>    <C>           <C>          <C>        <C>
MOTOROLA INC COM                      620076109         86      10,418        X           2            10,418
MOTOROLA INC COM                      620076109         15       1,800        X   X       2             1,800
NASDAQ 100 TR UNIT SER 1 COM          631100104      2,252      89,190        X           2            89,190
NATIONAL CITY CORP COM                635405103        870      31,235        X           2            29,781                 1,454
NATIONAL CITY CORP COM                635405103        149       5,360        X   X       2             3,200      2,160
NATIONAL COMM FINL CORP COM           63545P104        321      13,555        X           2            13,555
NATIONAL COMM FINL CORP COM           63545P104         24       1,000        X   X       2                        1,000
NESTLE S A SPONSORED ADR              641069406      1,044      21,100        X           2            20,500                   600
NESTLE S A SPONSORED ADR              641069406         30         600        X   X       2               600
NEW PLAN EXCEL RLTY TR INC COM        648053106        204      10,400        X           2            10,400
NEWELL RUBBERMAID INC COM             651229106        749      26,407        X           2            26,407
NEWELL RUBBERMAID INC COM             651229106         49       1,719        X   X       2             1,719
NICOLET BANKSHARES INC COM            65406E102        169      13,500        X           2            12,500                 1,000
NICOLET BANKSHARES INC COM            65406E102         38       3,000        X   X       2             3,000
NOKIA CORP ADR                        654902204      7,220     515,355        X           2           511,910      1,530      1,915
NOKIA CORP ADR                        654902204        123       8,775        X   X       2             7,775      1,000
NORTEL NETWORKS CORP NEW COM          656568102         22      10,400        X           2            10,400
NORTH FORK BANCORP COM                659424105      5,916     200,890        X           2           197,435                 3,455
NORTH FORK BANCORP COM                659424105        529      17,950        X   X       2            13,200        850      3,900
NORTHERN TRUST CORP COM               665859104      2,512      82,487        X           2            81,657        400        430
NORTHERN TRUST CORP COM               665859104         63       2,060        X   X       2               910      1,150
NORTHROP GRUMMAN CORP COM             666807102      2,384      27,780        X           2            27,765                    15
NORTHROP GRUMMAN CORP COM             666807102         84         980        X   X       2               550        430
* NUVEEN FLAGSHIP MUNI BOND FUND A    67065Q202        119      12,777        X           2            12,777
* NUVEEN MUNI BD FD CL R              67065Q400      2,153     230,962        X           2           230,962
                                                    ------
        COLUMN TOTALS                               27,125
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 03/31/03 PAGE 13 - - - - - - ITEM 1 AND 2 - - - - - - - ITEM 3 - - - ITEM 4
- - - -ITEM 5 - - -ITEM 6- - - -ITEM 7- - - - - - - - -ITEM 8- - - - - -
                                                                          INVESTMENT
                                                    MARKET     SHARES     DISCRETION                        VOTING AUTHORITY
                                                    VALUE        OR     SOLE SHR OTHER                  SOLE      SHARED     NONE
     ISSUER AND TITLE OF CLASS          CUSIP    (THOUSANDS)  PRINCIPAL  (A) (B) (C)    MANAGERS         (A)        (B)       (C)
<S>                                   <C>        <C>          <C>        <C> <C> <C>    <C>           <C>         <C>       <C>
OLD SECOND BANCORP INC ILL COM        680277100        258       6,826        X           2             6,826
OLD SECOND BANCORP INC ILL COM        680277100        101       2,667        X   X       2                                   2,667
OMNICOM GROUP INC COM                 681919106      7,763     143,310        X           2           142,695                   615
OMNICOM GROUP INC COM                 681919106        222       4,095        X   X       2             3,270        825
ORACLE CORP COM                       68389X105        985      90,765        X           2            84,290      1,950      4,525
ORACLE CORP COM                       68389X105         10         933        X   X       2               773        160
OSHKOSH B GOSH INC CL A               688222207      1,186      45,619        X           2            45,619
OSHKOSH B GOSH INC CL A               688222207        212       8,160        X   X       2                        8,160
OSHKOSH B GOSH INC CL B               688222306        233      10,606        X           2            10,606
OSHKOSH TRUCK CORP CL B               688239201      1,147      18,417        X           2            18,417
* PIMCO FDS PAC INVT MGMT SER         693390841      5,543     622,783        X           2           622,783
    HIGH YIELD FD
* PIMCO FDS PAC INVT MGMT SER         693390841        439      49,377        X   X       2                                  49,377
    HIGH YIELD FD
PENTAIR INDS INC COM                  709631105        261       7,386        X           2             7,386
PENTAIR INDS INC COM                  709631105        223       6,300        X   X       2                        6,300
PEPSICO INC COM                       713448108     15,869     396,715        X           2           381,500      1,000     14,215
PEPSICO INC COM                       713448108        987      24,673        X   X       2            19,548      5,125
PFIZER INC COM                        717081103     30,288     972,023        X           2           937,728      2,020     32,275
PFIZER INC COM                        717081103      2,939      94,314        X   X       2            58,060     21,554     14,700
PHARMACIA CORP COM                    71713U102        996      23,009        X           2            21,974                 1,035
PITNEY BOWES INC COM                  724479100        334      10,460        X           2            10,460
PLEXUS CORP COM                       729132100      2,548     278,462        X           2           172,462               106,000
PLUM CREEK TIMBER CO INC COM          729251108      4,159     192,639        X           2           191,789                   850
PLUM CREEK TIMBER CO INC COM          729251108        150       6,940        X   X       2             3,290      1,950      1,700
PRECISION CASTPARTS CORP COM          740189105        118       4,950        X           2             4,950
PRECISION CASTPARTS CORP COM          740189105        131       5,482        X   X       2                        5,482
                                                    ------
        COLUMN TOTALS                               77,102
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 03/31/03 PAGE 14 - - - - - - ITEM 1 AND 2 - - - - - - - ITEM 3 - - - ITEM 4
- - - -ITEM 5 - - -ITEM 6- - - -ITEM 7- - - - - - - - -ITEM 8- - - - - -
                                                                          INVESTMENT
                                                    MARKET     SHARES     DISCRETION                        VOTING AUTHORITY
                                                    VALUE        OR     SOLE SHR OTHER                  SOLE      SHARED     NONE
     ISSUER AND TITLE OF CLASS          CUSIP    (THOUSANDS)  PRINCIPAL  (A) (B) (C)    MANAGERS         (A)        (B)       (C)
<S>                                   <C>        <C>          <C>        <C> <C> <C>    <C>           <C>          <C>       <C>
PROCTER & GAMBLE CO COM               742718109     19,543     219,460        X           2           204,330        100     15,030
PROCTER & GAMBLE CO COM               742718109      1,401      15,730        X   X       2             8,810      6,920
QUEST DIAGNOSTICS INC COM             74834L100      1,091      18,280        X           2            18,280
QUEST DIAGNOSTICS INC COM             74834L100         12         200        X   X       2                          200
RBID COM INC COM                      749283107                 16,000        X           2            16,000
ROADWAY CORP COM                      769742107        232       6,930        X           2             6,930
ROCKWELL AUTOMATION INC COM           773903109        659      31,855        X           2            31,855
ROYAL DUTCH PETROLEUM CO COM          780257804      2,410      59,130        X           2            58,930                   200
ROYAL DUTCH PETROLEUM CO COM          780257804        169       4,150        X   X       2             4,050                   100
SBC COMMUNICATIONS INC COM            78387G103      7,561     376,937        X           2           373,818        610      2,509
SBC COMMUNICATIONS INC COM            78387G103        355      17,688        X   X       2            13,192      4,161        335
SLM CORP COM                          78442P106      1,716      15,468        X           2            15,468
SPDR TR UNIT SER 1                    78462F103     16,315     192,535        X           2           192,320                   215
SPDR TR UNIT SER 1                    78462F103         41         480        X   X       2               480
SARA LEE CORP NEW COM                 803111103        789      42,219        X           2            39,019                 3,200
SARA LEE CORP NEW COM                 803111103         45       2,400        X   X       2                        2,400
SCHERING PLOUGH CORP COM              806605101      1,865     104,600        X           2           100,800                 3,800
SCHERING PLOUGH CORP COM              806605101        204      11,440        X   X       2             8,240      2,200      1,000
SCHLUMBERGER LTD COM                  806857108      2,158      56,777        X           2            56,777
SCHLUMBERGER LTD COM                  806857108         82       2,150        X   X       2             1,950                   200
SCHWAB CHARLES CORP COM               808513105         83      11,500        X           2            10,850                   650
SCHWEITZER-MAUDUIT INTL INC COM       808541106      1,705      75,760        X           2            38,790        314     36,656
SCHWEITZER-MAUDUIT INTL INC COM       808541106         24       1,049        X   X       2                44          5      1,000
SEALED AIR CORP NEW COM               81211K100        161       4,000        X           2             4,000
SEALED AIR CORP NEW COM               81211K100        142       3,530        X   X       2                        3,530
                                                    ------
        COLUMN TOTALS                               58,763
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 03/31/03 PAGE 15 - - - - - - ITEM 1 AND 2 - - - - - - - ITEM 3 - - - ITEM 4
- - - -ITEM 5 - - -ITEM 6- - - -ITEM 7- - - - - - - - -ITEM 8- - - - - -
                                                                          INVESTMENT
                                                    MARKET     SHARES     DISCRETION                        VOTING AUTHORITY
                                                    VALUE        OR     SOLE SHR OTHER                  SOLE      SHARED     NONE
     ISSUER AND TITLE OF CLASS          CUSIP    (THOUSANDS)  PRINCIPAL  (A) (B) (C)    MANAGERS         (A)        (B)       (C)
<S>                                   <C>        <C>          <C>        <C> <C> <C>    <C>           <C>          <C>        <C>
SNAP-ON INC COM                       833034101        202       8,162        X           2             8,162
SOLECTRON CORP COM                    834182107        107      35,300        X           2            35,300
SOUTHERN CO COM                       842587107      1,948      68,508        X           2            67,708        800
SOUTHERN CO COM                       842587107        296      10,400        X   X       2             7,800      2,000        600
SPRINT CORP (FON GROUP) COM           852061100        161      13,662        X           2            13,662
STAKE TECHNOLOGY LTD COM              852559103         41      10,250        X           2            10,250
STATE STREET CORP COM                 857477103     10,159     321,179        X           2           317,104        800      3,275
STATE STREET CORP COM                 857477103        401      12,666        X   X       2             8,916      3,750
* STRONG GOVERNMENT SECURITIES FD     863344107        156      13,949        X           2            13,949
SUN MICROSYSTEMS INC COM              866810104        100      30,567        X           2            28,967                 1,600
SUNGARD DATA SYS INC COM              867363103     16,810     789,189        X           2           782,769      1,620      4,800
SUNGARD DATA SYS INC COM              867363103        664      31,154        X   X       2            25,429      5,725
SUPERVALU INC COM                     868536103        634      40,896        X           2            35,546                 5,350
SYSCO CORP COM                        871829107      6,237     245,174        X           2           242,974                 2,200
SYSCO CORP COM                        871829107        299      11,740        X   X       2             3,900      7,840
TJX COMPANIES INC COM NEW             872540109      2,047     116,325        X           2           115,525                   800
TJX COMPANIES INC COM NEW             872540109         62       3,500        X   X       2             2,400      1,100
TEXAS INSTR INC COM                   882508104      1,530      93,454        X           2            91,429                 2,025
TEXAS INSTR INC COM                   882508104         59       3,575        X   X       2             2,550      1,025
3M COMPANY COM                        88579Y101      2,743      21,094        X           2            11,528                 9,566
3M COMPANY COM                        88579Y101        494       3,800        X   X       2               200                 3,600
TORONTO DOMINION BK ONTARIO CAN COM   891160509        236      10,630        X           2             6,380                 4,250
US BANCORP DEL NEW COM                902973304      3,294     173,526        X           2           165,321        615      7,590
US BANCORP DEL NEW COM                902973304        759      39,979        X   X       2            28,306      1,824      9,849
UNION PAC CORP COM                    907818108        233       4,233        X           2             3,433                   800
                                                    ------
        COLUMN TOTALS                               49,672
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 03/31/03 PAGE 16 - - - - - - ITEM 1 AND 2 - - - - - - - ITEM 3 - - - ITEM 4
- - - -ITEM 5 - - -ITEM 6- - - -ITEM 7- - - - - - - - -ITEM 8- - - - - -
                                                                          INVESTMENT
                                                    MARKET     SHARES     DISCRETION                        VOTING AUTHORITY
                                                    VALUE        OR     SOLE SHR OTHER                  SOLE      SHARED     NONE
     ISSUER AND TITLE OF CLASS          CUSIP    (THOUSANDS)  PRINCIPAL  (A) (B) (C)    MANAGERS         (A)        (B)       (C)
<S>                                   <C>        <C>         <C>         <C> <C> <C>    <C>         <C>           <C>        <C>
UNITED TECHNOLOGIES CORP COM          913017109        375       6,489        X           2             6,489
UNITEDHEALTH GROUP INC COM            91324P102        408       4,450        X           2             4,450
* VANGUARD TOTAL BD MARKET INDEX FD   921937108     25,841   2,489,257        X           2         2,480,087                 9,170
* VANGUARD TOTAL BD MARKET INDEX FD   921937108        627      60,392        X   X       2            51,672      8,720
* VANGUARD BD INDEX FD INC            921937207        203      19,639        X           2            19,639
    SHORT TERM BD INDEX
* VANGUARD TOTAL BOND INDEX FUND      921937603        288      27,729        X           2            27,729
    ADMIRAL SHARES
* VANGUARD SHORT TERM BOND FUND       921937702      3,316     320,389        X           2           320,389
    ADMIRAL CL
* VANGUARD SHORT TERM CORP BOND FD    922031406     35,812   3,309,458        X           2         3,280,707      7,805     20,946
* VANGUARD SHORT TERM CORP BOND FD    922031406        932      86,151        X   X       2            67,958     18,193
* VANGUARD FIXED INCOME SECS F        922031760      1,196     198,961        X           2           198,961
    HIYLD CORP ADM
* VANGUARD FIXED INCOME SECS F        922031760        435      72,337        X   X       2                                  72,337
    HIYLD CORP ADM
* VANGUARD FIXED INCOME SEC FD        922031836      6,540     604,472        X           2           604,472
    SHORT TERM CORP ADMIRAL SHARES
* VANGUARD MUNI BOND FD INC SHORT     922907100        689      43,635        X           2            43,635
    TERM PORTFOLIO
* VANGUARD MUNI BOND FD INC           922907209        270      19,833        X           2            19,833
    INTERMEDIATE TERM PORTFOLIO
* VANGUARD MUNI BOND FD INC           922907209        166      12,231        X   X       2            12,231
    INTERMEDIATE TERM PORTFOLIO
* VANGUARD MUNI BD FD INC LTD TERM    922907704        565      50,980        X           2            50,980
    PORTFOLIO
* VANGUARD MUNI BOND FUND INC SHORT   922907803        929      58,828        X           2            58,828
    TERM TAX EXEMPT ADMIRAL SHARES
* VANGUARD MUNI BOND FUND INC         922907886        427      38,532        X           2            38,532
    LMTD TERM TAX EXEMPT ADMIRAL SHARES
VERIZON COMMUNICATIONS COM            92343V104      4,426     125,210        X           2           123,451        200      1,559
VERIZON COMMUNICATIONS COM            92343V104        167       4,734        X   X       2             1,949      2,785
VIACOM INC CL B COM                   925524308      6,601     180,761        X           2           180,186                   575
VIACOM INC CL B COM                   925524308         47       1,290        X   X       2             1,255         35
VODAFONE GROUP PLC NEW SPONS ADR      92857W100      1,404      77,043        X           2            77,043
VODAFONE GROUP PLC NEW SPONS ADR      92857W100         30       1,625        X   X       2               625      1,000
WPS RESOURCES CORP COM                92931B106     20,917     522,930        X           2            91,287               431,643
                                                   -------
        COLUMN TOTALS                              112,611
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 03/31/03 PAGE 17 - - - - - - ITEM 1 AND 2 - - - - - - - ITEM 3 - - - ITEM 4
- - - -ITEM 5 - - -ITEM 6- - - -ITEM 7- - - - - - - - -ITEM 8- - - - - -
                                                                          INVESTMENT
                                                    MARKET     SHARES     DISCRETION                        VOTING AUTHORITY
                                                    VALUE        OR     SOLE SHR OTHER                  SOLE      SHARED     NONE
     ISSUER AND TITLE OF CLASS          CUSIP    (THOUSANDS)  PRINCIPAL  (A) (B) (C)    MANAGERS         (A)        (B)       (C)
<S>                                   <C>        <C>          <C>        <C> <C> <C>    <C>           <C>          <C>       <C>
WPS RESOURCES CORP COM                92931B106        435      10,873        X   X       2             6,213      4,660
WACHOVIA CORP NEW COM                 929903102        608      17,835        X           2            16,135                 1,700
WACHOVIA CORP NEW COM                 929903102        334       9,792        X   X       2             4,510      1,000      4,282
WAL MART STORES INC COM               931142103     12,634     242,825        X           2           240,135        660      2,030
WAL MART STORES INC COM               931142103        328       6,310        X   X       2             4,385      1,925
WALGREEN CO COM                       931422109     12,790     433,856        X           2           432,341        700        815
WALGREEN CO COM                       931422109        857      29,055        X   X       2            19,235      3,420      6,400
WASHINGTON MUTUAL INC COM             939322103      1,775      50,317        X           2            49,817                   500
WASHINGTON MUTUAL INC COM             939322103        196       5,551        X   X       2             2,191      3,075        285
WASTE MANAGEMENT INC NEW COM          94106L109        303      14,310        X           2            11,157                 3,153
WASTE MANAGEMENT INC NEW COM          94106L109         89       4,205        X   X       2                                   4,205
WAUSAU-MOSINEE PAPER CORP COM         943315101        756      74,099        X           2             2,225                71,874
WAUSAU-MOSINEE PAPER CORP COM         943315101        275      26,930        X   X       2            23,041      3,889
WELLPOINT HEALTH NETWORKS NEW COM     94973H108        345       4,500        X           2             4,500
WELLPOINT HEALTH NETWORKS NEW COM     94973H108          6          75        X   X       2                75
WELLS FARGO & CO NEW COM              949746101     17,484     388,632        X           2           346,462        880     41,290
WELLS FARGO & CO NEW COM              949746101        437       9,705        X   X       2             5,832      3,873
WEYCO GROUP INC COM                   962149100        219       5,000        X           2             5,000
WEYERHAEUSER CO COM                   962166104         68       1,424        X           2                        1,424
WEYERHAEUSER CO COM                   962166104        419       8,758        X   X       2             1,913      6,345        500
WISCONSIN ENERGY CORP COM             976657106        483      19,004        X           2            18,904        100
WISCONSIN ENERGY CORP COM             976657106        122       4,815        X   X       2             4,500        315
WYETH COM                             983024100        681      18,000        X           2            13,700                 4,300
WYETH COM                             983024100         10         267        X   X       2               267
XANSER CORP COM                       98389J103         81      44,650        X           2            44,650
                                                    ------
        COLUMN TOTALS                               51,735
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 03/31/03 PAGE 18 - - - - - - ITEM 1 AND 2 - - - - - - - ITEM 3 - - - ITEM 4
- - - -ITEM 5 - - -ITEM 6- - - -ITEM 7- - - - - - - - -ITEM 8- - - - - -
                                                                          INVESTMENT
                                                    MARKET     SHARES     DISCRETION                        VOTING AUTHORITY
                                                    VALUE        OR     SOLE SHR OTHER                  SOLE      SHARED     NONE
     ISSUER AND TITLE OF CLASS          CUSIP    (THOUSANDS)  PRINCIPAL  (A) (B) (C)    MANAGERS         (A)        (B)       (C)
<S>                                   <C>        <C>          <C>        <C> <C> <C>    <C>            <C>         <C>        <C>
ZIMMER HLDGS INC COM                  98956P102      3,101      63,768        X           2            62,068                 1,700
ZIMMER HLDGS INC COM                  98956P102        127       2,603        X   X       2               984      1,619
                                                     -----
        COLUMN TOTALS                                3,228
         FINAL TOTALS                            1,308,212
</TABLE>


</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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