<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>form13f93003.txt
<DESCRIPTION>13F-HR THIRD QUARTER 2003
<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 September 30, 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 10th day of
October, 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>
SAVSTMTS
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 09/30/03 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>
XL CAPITAL LTD CL A COM               G98255105      7,825     101,047        X           2           100,612        275        160
XL CAPITAL LTD CL A COM               G98255105        154       1,990        X   X       2             1,550        440
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        657      39,000        X           2            38,765                   235
CHECK POINT SOFTWARE TECH LT ORD      M22465104         20       1,160        X   X       2               370        790
FLEXTRONICS INTL LTD ORD              Y2573F102      3,101     218,100        X           2           216,510      1,190        400
FLEXTRONICS INTL LTD ORD              Y2573F102         35       2,460        X   X       2             1,010      1,450
AIM INVT SECS FDS LTD MATURITY        00142C201        556      52,828        X           2            52,828
    TREAS PORTFOLIO SHS
ABBOTT LABS COM                       002824100      5,110     120,103        X           2           117,303                 2,800
ABBOTT LABS COM                       002824100        402       9,452        X   X       2             7,322      2,130
ADELPHIA COMMUNICATIONS CORP CL A     006848105         23      71,850        X           2            71,850
    COM
AIR PRODS & CHEMS INC COM             009158106      9,992     221,555        X           2           219,055        350      2,150
AIR PRODS & CHEMS INC COM             009158106        312       6,915        X   X       2             5,840      1,075
ALBANY INTL CORP COM                  012348108        242       7,854        X           2             7,854
ALBANY INTL CORP COM                  012348108         11         351        X   X       2               351
ALLETE INC COM                        018522102        359      13,125        X           2             6,700                 6,425
ALLETE INC COM                        018522102         22         800        X   X       2               800
ALLIANCE CAPITAL MGMT HLDG LP COM     01855A101      1,525      45,525        X           2            45,525
ALLIANCE CAPITAL MGMT HLDG LP COM     01855A101         97       2,900        X   X       2               800                 2,100
* ALLIANCE MUNI INCOME FD CL A        018642108        207      20,792        X           2            20,792
ALLIANT ENERGY CORP COM               018802108        407      18,507        X           2            17,007                 1,500
ALLIANT ENERGY CORP COM               018802108         25       1,118        X   X       2             1,018        100
ALLSTATE CORP COM                     020002101      3,518      96,302        X           2            91,330        848      4,124
ALLSTATE CORP COM                     020002101         61       1,677        X   X       2               175      1,502
                                                    ------
        COLUMN TOTALS                               37,757
</TABLE>

                                                             1
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 09/30/03 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      5,935     135,512        X           2           130,712                 4,800
ALTRIA GROUP INC COM                  02209S103      2,008      45,850        X   X       2            22,140     18,600      5,110
AMERICAN EXPRESS CO COM               025816109        901      20,000        X           2            19,600                   400
AMERICAN INTL GROUP INC COM           026874107     13,274     230,047        X           2           226,376                 3,671
AMERICAN INTL GROUP INC COM           026874107        538       9,331        X   X       2             7,096      2,235
AMERISOURCEBERGEN CORP COM            03073E105      3,843      71,105        X           2            71,105
AMERISOURCEBERGEN CORP COM            03073E105         59       1,090        X   X       2               250        840
AMGEN INC COM                         031162100      6,614     102,510        X           2           100,960        750        800
AMGEN INC COM                         031162100         92       1,425        X   X       2               300      1,125
ANADARKO PETROLEUM CORP COM           032511107        335       8,016        X           2             7,708                   308
ANADARKO PETROLEUM CORP COM           032511107          4          92        X   X       2                           92
ANCHOR BANCORP WI INC COM             032839102      2,236      95,218        X           2            95,218
ANCHOR BANCORP WI INC COM             032839102          3         134        X   X       2                          134
ANHEUSER BUSCH COS INC COM            035229103      2,542      51,520        X           2            51,520
ANHEUSER BUSCH COS INC COM            035229103         22         450        X   X       2                50        400
AON CORP COM                          037389103        803      38,508        X           2            38,508
AON CORP COM                          037389103         60       2,875        X   X       2             2,875
APACHE CORP COM                       037411105      3,380      48,752        X           2            47,860        105        787
APACHE CORP COM                       037411105         55         800        X   X       2               200        600
APPLIED MATERIALS COM                 038222105      2,080     114,760        X           2           113,210      1,050        500
APPLIED MATERIALS COM                 038222105         25       1,375        X   X       2               280      1,095
ASSOCIATED BANC CORP COM              045487105    178,807   4,719,122        X           2         3,930,036      1,000    788,086
ASSOCIATED BANC CORP COM              045487105     12,433     328,126        X   X       2            94,931     42,558    190,637
AUTO DATA PROCESS COM                 053015103      3,467      96,715        X           2            93,715        740      2,260
AUTO DATA PROCESS COM                 053015103        278       7,750        X   X       2             5,250      2,500
                                                   -------
        COLUMN TOTALS                              239,794
</TABLE>

                                                             2
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 09/30/03 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>
BB&T CORP COM                         054937107        258       7,185        X           2             7,185
BJ SVCS CO COM                        055482103      5,062     148,155        X           2           147,435        400        320
BJ SVCS CO COM                        055482103         65       1,900        X   X       2             1,825         75
BP PLC ADR                            055622104     11,559     274,573        X           2           235,563                39,010
BP PLC ADR                            055622104        783      18,592        X   X       2            15,592      2,750        250
BANK OF AMERICA CORP COM              060505104      1,984      25,420        X           2            21,573                 3,847
MEYER INVESTMENTS LTD PARTNERSHIP     060778008        547       2,101        X   X       2             2,101
    (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      2,703      69,941        X           2            58,641                11,300
BANK ONE CORP COM                     06423A103        288       7,448        X   X       2             7,248        200
BANTA CORP COM                        066821109      2,784      77,335        X           2            61,485                15,850
BANTA CORP COM                        066821109        105       2,908        X   X       2             2,795        113
BAXTER INTL COM                       071813109        614      21,129        X           2            19,905                 1,224
BELLSOUTH CORP COM                    079860102      1,491      62,958        X           2            60,958      2,000
BELLSOUTH CORP COM                    079860102        104       4,400        X   X       2             2,800      1,600
BEMIS INC COM                         081437105      9,467     213,699        X           2           213,279                   420
BEMIS INC COM                         081437105        821      18,535        X   X       2               475     18,060
BERKSHIRE HATHAWAY INC DEL CL B COM   084670207        409         164        X           2                88                    76
BERKSHIRE HATHAWAY INC DEL CL B COM   084670207         10           4        X   X       2                            4
BEST BUY CO INC COM                   086516101      7,280     153,200        X           2           152,425        250        525
BEST BUY CO INC COM                   086516101        241       5,065        X   X       2             4,475        590
BIOMET INC COM                        090613100        342      10,210        X           2            10,035                   175
BIOMET INC COM                        090613100        151       4,500        X   X       2                        4,500
BIOTECH HOLDRS TR DEP RCPT COM        09067D201        284       2,200        X           2             2,200
BLOCK H & R INC COM                   093671105      4,229      98,012        X           2            97,512                   500
                                                    ------
        COLUMN TOTALS                               52,337
</TABLE>

                                                             3
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 09/30/03 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>        <C>
BLOCK H & R INC COM                   093671105        119       2,766        X   X       2               716      2,050
BOEING CO COM                         097023105      2,842      82,787        X           2            82,687        100
BOEING CO COM                         097023105         52       1,525        X   X       2               650        875
BRISTOL MYERS-SQUIBB CO COM           110122108      5,112     199,239        X           2           186,069      1,880     11,290
BRISTOL MYERS-SQUIBB CO COM           110122108        779      30,357        X   X       2            11,655     17,502      1,200
BURLINGTON RESOURCES COM              122014103        313       6,484        X           2             6,484
CALPINE CORP COM                      131347106        112      22,890        X           2            22,890
CALPINE CORP COM                      131347106          7       1,350        X   X       2               950        400
CAPITAL ONE FINL CORP COM             14040H105        171       3,001        X           2             3,001
CAPITAL ONE FINL CORP COM             14040H105        724      12,700        X   X       2            10,300                 2,400
CARDINAL HEALTH INC COM               14149Y108      2,151      36,835        X           2            36,549                   286
CARDINAL HEALTH INC COM               14149Y108         96       1,650        X   X       2             1,000        650
CAREMARK RX INC COM                   141705103      6,932     306,715        X           2           304,765        800      1,150
CAREMARK RX INC COM                   141705103        273      12,100        X   X       2             6,700      5,400
CATERPILLAR INC COM                   149123101      6,408      93,090        X           2            91,010                 2,080
CATERPILLAR INC COM                   149123101        200       2,900        X   X       2             2,125        775
CENDANT CORP COM                      151313103     20,190   1,080,278        X           2         1,073,888      2,230      4,160
CENDANT CORP COM                      151313103        582      31,155        X   X       2            17,780     13,375
CHARTER ONE FINANCIAL CORP COM        160903100      6,169     201,586        X           2           201,586
CHARTER ONE FINANCIAL CORP COM        160903100         34       1,120        X   X       2                          620        500
CHESAPEAKE CORP COM                   165159104        378      16,775        X           2            16,775
CHEVRONTEXACO CORP COM                166764100      9,915     138,768        X           2           131,288        712      6,768
CHEVRONTEXACO CORP COM                166764100        453       6,335        X   X       2             2,979      3,181        175
CHICAGO BRIDGE & IRON CO N V          167250109      2,456      90,425        X           2            89,795                   630
CHICAGO BRIDGE & IRON CO N V          167250109         15         550        X   X       2               450        100
                                                   -------
        COLUMN TOTALS                               66,483
</TABLE>

                                                             4
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 09/30/03 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      9,636     491,874        X           2           478,424      1,050     12,400
CISCO SYSTEMS INC COM                 17275R102        365      18,617        X   X       2            12,375      6,242
CITIGROUP INC COM                     172967101     17,127     376,347        X           2           372,184      1,700      2,463
CITIGROUP INC COM                     172967101        629      13,828        X   X       2             5,588      8,240
CITIZENS BANKING CORP COM             174420109      1,273      48,186        X           2            48,186
CLOROX CO COM                         189054109      3,294      71,802        X           2            71,802
CLOROX CO COM                         189054109        949      20,682        X   X       2                       20,682
COCA COLA CO COM                      191216100      4,397     102,354        X           2            97,894      1,060      3,400
COCA COLA CO COM                      191216100        114       2,659        X   X       2             1,358      1,301
COLGATE PALMOLIVE CO COM              194162103      3,996      71,496        X           2            68,246                 3,250
COLGATE PALMOLIVE CO COM              194162103        698      12,494        X   X       2             7,125      4,169      1,200
* COLUMBIA FIXED INCOME SECS FD       197643109        210      15,391        X           2            15,391
COMCAST CORP NEW CL A                 20030N101        203       6,594        X           2             6,545                    49
COMCAST CORP NEW CL A                 20030N101         18         583        X   X       2                97        324        162
COMCAST CORP CL A SPL NEW COM         20030N200      1,538      51,885        X           2            51,685                   200
COMCAST CORP CL A SPL NEW COM         20030N200         37       1,250        X   X       2             1,250
COMPARATOR SYSTEMS CORP NEW COM       204494207                 93,500        X           2            93,500
CONOCOPHILLIPS COM                    20825C104        466       8,520        X           2             6,990                 1,530
CONSOLIDATED EDISON INC COM           209115104        289       7,088        X           2             4,888                 2,200
CONSOLIDATED EDISON INC COM           209115104         54       1,330        X   X       2               830        500
COUNTRY MAID FINANCIAL INC.           222356206          1      66,000        X           2            66,000
    COM NEW
DANAHER CORP COM                      235851102        699       9,466        X           2             9,246                   220
DANAHER CORP COM                      235851102        103       1,400        X   X       2             1,000        400
DEAN FOODS CO NEW COM                 242370104      3,592     115,773        X           2            94,083                21,690
DEAN FOODS CO NEW COM                 242370104        219       7,071        X   X       2               321      6,750
                                                    ------
        COLUMN TOTALS                               49,907
</TABLE>

                                                             5
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 09/30/03 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>
DELL INC COM                          24702R101      6,008     179,760        X           2           178,845                   915
DELL INC COM                          24702R101        351      10,500        X   X       2             3,800      6,700
DIAMONDS TR UNIT SER 1                252787106        740       7,950        X           2             7,950
DICKS SPORTING GOODS INC COM          253393102      3,525      94,415        X           2            94,350                    65
DICKS SPORTING GOODS INC COM          253393102         23         605        X   X       2               395        210
DIEBOLD INC COM                       253651103        282       5,573        X           2             5,573
DISNEY WALT CO COM                    254687106      6,443     319,465        X           2           314,824                 4,641
DISNEY WALT CO COM                    254687106        398      19,720        X   X       2            13,670      6,050
DOLLAR GENERAL CORP COM               256669102        134       6,694        X           2             6,694
DOLLAR GENERAL CORP COM               256669102        169       8,445        X   X       2                        8,445
DOMINION RESOURCES INC NEW COM        25746U109        554       8,948        X           2             7,980                   968
DOMINION RESOURCES INC NEW COM        25746U109         31         500        X   X       2               500
DONNELLEY R R & SONS CO COM           257867101      2,369      95,260        X           2            95,260
DONNELLEY R R & SONS CO COM           257867101         57       2,300        X   X       2             1,500        250        550
DOW CHEMICAL CO COM                   260543103      2,332      71,679        X           2            70,179      1,500
DOW CHEMICAL CO COM                   260543103         26         800        X   X       2               150                   650
DU PONT E I DE NEMOURS & CO COM       263534109        384       9,598        X           2             6,943                 2,655
DU PONT E I DE NEMOURS & CO COM       263534109         24         600        X   X       2               600
DUKE ENERGY CORP COM                  264399106        526      29,550        X           2            29,550
DUKE ENERGY CORP COM                  264399106         59       3,300        X   X       2             2,300      1,000
DUN & BRADSTREET CORP DEL COM         26483E100        394       9,476        X           2             1,726                 7,750
DUN & BRADSTREET CORP DEL COM         26483E100        110       2,650        X   X       2               550                 2,100
ENSCO INTL INC COM                    26874Q100      8,080     301,267        X           2           299,227      1,740        300
ENSCO INTL INC COM                    26874Q100        143       5,322        X   X       2             3,807      1,515
ECOLAB INC COM                        278865100        202       8,000        X           2             8,000
                                                    ------
        COLUMN TOTALS                               33,364
</TABLE>

                                                             6
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 09/30/03 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>
EMERSON ELEC CO COM                   291011104        204       3,875        X           2             3,425                   450
EMERSON ELEC CO COM                   291011104          7         134        X   X       2               134
ENCOMPASS SERVICES CORP COM           29255U104                 31,646        X           2            31,646
EXXON MOBIL CORP COM                  30231G102     20,864     570,055        X           2           529,881      4,042     36,132
EXXON MOBIL CORP COM                  30231G102      2,256      61,627        X   X       2            42,246      6,155     13,226
FNB BANCSHARES INC IRON MTN MI COM    30252A901        594      11,536        X           2            11,536
FPL GROUP INC COM                     302571104        291       4,611        X           2             2,911                 1,700
FEDERAL NATL MTG ASSN COM             313586109      4,108      58,521        X           2            52,911      5,100        510
FEDERAL NATL MTG ASSN COM             313586109        137       1,955        X   X       2             1,855        100
* FEDERATED INCOME TRUST COM          314199100        145      13,722        X           2            13,722
* FIDELITY HIGH INCOME FD             316146406        159      18,300        X           2            18,300
FIFTH THIRD BANCORP COM               316773100        267       4,805        X           2             4,805
FIFTH THIRD BANCORP COM               316773100        341       6,131        X   X       2             2,322                 3,809
FIRST DATA CORP COM                   319963104     12,067     301,973        X           2           298,963        550      2,460
FIRST DATA CORP COM                   319963104        330       8,250        X   X       2             6,050      2,200
FORD MOTOR CO DEL COM NEW             345370860        132      12,280        X           2            12,280
FORTUNE BRANDS INC COM                349631101      5,015      88,375        X           2            87,575        400        400
FORTUNE BRANDS INC COM                349631101        143       2,516        X   X       2               566      1,750        200
FRANKLIN RESOURCES INC COM            354613101      1,058      23,922        X           2            23,572                   350
FRANKLIN RESOURCES INC COM            354613101        292       6,600        X   X       2             4,500                 2,100
FRESH BRANDS INC COM                  35803U108        219      15,899        X           2            15,899
FRESH BRANDS INC COM                  35803U108          9         664        X   X       2               664
GENERAL ELEC CO COM                   369604103     31,165   1,045,474        X           2           913,145      8,970    123,359
GENERAL ELEC CO COM                   369604103      2,081      69,824        X   X       2            45,764     19,060      5,000
GENERAL MOTORS CORP COM               370442105        260       6,348        X           2             4,777                 1,571
                                                    ------
        COLUMN TOTALS                               82,144
</TABLE>

                                                             7
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 09/30/03 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>
GENERAL MOTORS CORP COM               370442105         28         684        X   X       2               100        584
GILLETTE CO COM                       375766102        263       8,225        X           2             7,225                 1,000
GILLETTE CO COM                       375766102         74       2,300        X   X       2             1,900        400
GLAXO SMITHKLINE NEW ADR              37733W105      1,136      26,792        X           2            24,632                 2,160
GLAXO SMITHKLINE NEW ADR              37733W105        210       4,955        X   X       2             3,300      1,655
GOLDMAN SACHS GRP INC COM             38141G104      4,831      57,575        X           2            57,325                   250
GOLDMAN SACHS GRP INC COM             38141G104         29         350        X   X       2               100        250
GRAINGER W W INC COM                  384802104        390       8,200        X           2             8,200
GREY GLOBAL GROUP INC COM             39787M108        304         400        X           2               400
GREYSTONE DIGITAL TECHN COM           39806G108          3      30,000        X           2            30,000
HARLEY DAVIDSON INC COM               412822108      1,215      25,210        X           2            23,860                 1,350
HARLEY DAVIDSON INC COM               412822108        104       2,150        X   X       2             2,050        100
HARRIS CORP DEL COM                   413875105      3,273      91,441        X           2            90,741        400        300
HARRIS CORP DEL COM                   413875105         60       1,675        X   X       2               250      1,425
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        282       8,225        X           2             6,250                 1,975
HEINZ H J CO COM                      423074103         19         550        X   X       2               100        450
HEWLETT PACKARD CO COM                428236103        200      10,329        X           2            10,329
HEWLETT PACKARD CO COM                428236103         27       1,400        X   X       2             1,400
HOME DEPOT INC COM                    437076102      1,345      42,225        X           2            40,755        770        700
HOME DEPOT INC COM                    437076102        164       5,150        X   X       2             4,650        500
HUBBELL INC CL A COM                  443510102        345       9,694        X           2             8,894                   800
HUBBELL INC CL A COM                  443510102         85       2,400        X   X       2                                   2,400
HUBBELL INC CL B                      443510201        285       7,817        X           2             7,597                   220
                                                    ------
        COLUMN TOTALS                               14,673
</TABLE>

                                                             8
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 09/30/03 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>
HUBBELL INC CL B                      443510201         24         664        X   X       2                                     664
IDT CORP COM                          448947101      3,576     202,248        X           2           200,498        850        900
IDT CORP COM                          448947101        137       7,770        X   X       2             3,445      4,325
IDEC PHARMACEUTICALS CORP COM         449370105      1,198      35,995        X           2            35,995
IDEC PHARMACEUTICALS CORP COM         449370105         15         440        X   X       2                          440
IMS HEALTH INC COM                    449934108        814      38,600        X           2             7,600                31,000
IMS HEALTH INC COM                    449934108        184       8,716        X   X       2                          316      8,400
ILLINOIS TOOL WORKS INC COM           452308109      5,051      76,225        X           2            73,990                 2,235
ILLINOIS TOOL WORKS INC COM           452308109         55         825        X   X       2               600        225
IMPALA PLATINUM HLDGS SPONS ADR       452553308        292       7,000        X           2             7,000
INTEL CORP COM                        458140100     15,367     558,394        X           2           554,869        720      2,805
INTEL CORP COM                        458140100        963      34,981        X   X       2            23,510     10,971        500
INTERNATIONAL BUSINESS MACHS COM      459200101      6,634      75,112        X           2            71,221        210      3,681
INTERNATIONAL BUSINESS MACHS COM      459200101        361       4,087        X   X       2             2,997      1,090
INTERNATIONAL PAPER CO COM            460146103      2,767      70,925        X           2            70,925
INTERNATIONAL PAPER CO COM            460146103          8         200        X   X       2                          200
INTERSIL CORP CL A COM                46069S109      2,000      84,030        X           2            83,950                    80
INTERSIL CORP CL A COM                46069S109         24       1,000        X   X       2               360        640
ISHARES TR DJ US TELECOMM COM         464287713      1,106      57,980        X           2            57,775                   205
ISHARES TR DJ US TELECOMM COM         464287713         19       1,000        X   X       2               890        110
JOHNSON & JOHNSON COM                 478160104     10,357     209,149        X           2           198,484      1,730      8,935
JOHNSON & JOHNSON COM                 478160104        578      11,680        X   X       2             7,780      3,800        100
JOHNSON CONTROLS INC COM              478366107        374       3,952        X           2             3,952
KIMBERLY CLARK CORP COM               494368103    140,740   2,742,395        X           2         1,845,208     41,195    855,992
KIMBERLY CLARK CORP COM               494368103      6,805     132,604        X   X       2            86,016     11,150     35,438
                                                   -------
        COLUMN TOTALS                              199,449
</TABLE>

                                                             9
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 09/30/03 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>
KING PHARMACEUTICALS INC COM          495582108        669      44,169        X           2            44,169
KING PHARMACEUTICALS INC COM          495582108          5         300        X   X       2               200        100
KOHLS CORP COM                        500255104      5,891     110,111        X           2           108,751                 1,360
KOHLS CORP COM                        500255104        320       5,990        X   X       2             3,175      2,815
LIBERTY MEDIA CORP NEW COM SER A      530718105      5,598     561,523        X           2           557,214      1,650      2,659
LIBERTY MEDIA CORP NEW COM SER A      530718105        167      16,720        X   X       2            11,415      5,305
LILLY ELI & CO COM                    532457108      7,418     124,885        X           2           122,335                 2,550
LILLY ELI & CO COM                    532457108        393       6,610        X   X       2             4,560        350      1,700
LINEAR TECHNOLOGY CORP COM            535678106      2,662      74,080        X           2            73,850                   230
LINEAR TECHNOLOGY CORP COM            535678106         21         595        X   X       2               230        365
LITTLEFIELD ADAMS & CO COM            537581100                 15,518        X           2            15,518
LOCATEPLUS HOLDINGS CORP  CL B        539570200         65     310,000        X           2           310,000
LOWES COS INC COM                     548661107      8,912     171,715        X           2           171,315        400
LOWES COS INC COM                     548661107        255       4,920        X   X       2             2,820      2,100
LUCENT TECHNOLOGIES INC COM           549463107         51      23,784        X           2            23,656                   128
LUCENT TECHNOLOGIES INC COM           549463107          2         844        X   X       2               760         84
MGE ENERGY INC COM                    55277P104        228       7,531        X           2             7,531
MGE ENERGY INC COM                    55277P104         56       1,838        X   X       2             1,725        113
MANITOWOC CO INC COM                  563571108      1,417      65,322        X           2            59,642      2,993      2,687
MANITOWOC CO INC COM                  563571108        921      42,459        X   X       2            42,459
MANPOWER INC COM                      56418H100      2,472      66,625        X           2            66,125        500
MANPOWER INC COM                      56418H100         19         500        X   X       2                          500
MARSH & MC LENNAN COS INC COM         571748102     17,688     371,513        X           2           362,108        800      8,605
MARSH & MC LENNAN COS INC COM         571748102        757      15,905        X   X       2             7,205      5,100      3,600
MARSHALL & ILSLEY CORP COM            571834100      9,741     309,048        X           2           304,332                 4,716
                                                    ------
        COLUMN TOTALS                               65,728
</TABLE>

                                       10
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 09/30/03 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>
MARSHALL & ILSLEY CORP COM            571834100      2,237      70,955        X   X       2            32,984     37,971
* MARSHALL INTERMEDIATE BOND FD       572353506        143      14,856        X           2            14,856
MASCO CORP COM                        574599106      6,916     282,499        X           2           281,699                   800
MASCO CORP COM                        574599106        233       9,515        X   X       2             3,940      5,075        500
MATTEL INC COM                        577081102      5,497     289,910        X           2           283,960        850      5,100
MATTEL INC COM                        577081102        132       6,950        X   X       2             1,425      5,525
MCDONALDS CORP COM                    580135101        478      20,300        X           2            20,300
MCDONALDS CORP COM                    580135101         34       1,458        X   X       2             1,258        200
MCGRAW-HILL CO INC COM                580645109        449       7,225        X           2             5,825                 1,400
MCGRAW-HILL CO INC COM                580645109         99       1,600        X   X       2             1,200        400
MCMULLEN & PITZ CONSTRUCTION CO       581990900        604          68        X           2                68
MEDCO HEALTH SOLUTIONS INC COM        58405U102        253       9,740        X           2             9,596                   144
MEDCO HEALTH SOLUTIONS INC COM        58405U102         15         595        X   X       2               427        144         24
MEDIMMUNE INC COM                     584699102      3,923     118,780        X           2           118,585                   195
MEDIMMUNE INC COM                     584699102         64       1,950        X   X       2             1,215        735
MEDTRONIC INC COM                     585055106     19,878     423,654        X           2           412,059     10,875        720
MEDTRONIC INC COM                     585055106        798      17,008        X   X       2             9,008      6,550      1,450
MELLON FINANCIAL CORP COM             58551A108      1,917      63,615        X           2            62,415                 1,200
MELLON FINANCIAL CORP COM             58551A108         12         400        X   X       2               400
MERCK & CO INC COM                    589331107      8,821     174,263        X           2           166,713      1,410      6,140
MERCK & CO INC COM                    589331107        496       9,796        X   X       2             7,241      2,355        200
MERRILL LYNCH & CO INC COM            590188108      3,596      67,187        X           2            67,187
MERRILL LYNCH & CO INC COM            590188108         24         450        X   X       2               300        150
MICROSOFT CORP COM                    594918104     19,770     711,134        X           2           700,844      2,680      7,610
MICROSOFT CORP COM                    594918104        993      35,707        X   X       2            25,675      9,832        200
                                                    ------
        COLUMN TOTALS                               77,382
</TABLE>

                                       11
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 09/30/03 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>
MICRON TECHNOLOGY INC COM             595112103        358      26,675        X           2            26,675
MICRON TECHNOLOGY INC COM             595112103          4         300        X   X       2                          300
MIDCAP SP DR TR UNIT SER 1 COM        595635103        178       1,905        X           2             1,905
MIDCAP SP DR TR UNIT SER 1 COM        595635103         25         265        X   X       2               265
MIDWEST RESOURCES 02-1 OIL AND GAS    598349900        200          40        X           2                40
    INCOME LIMITED PARTNERSHIP
MIDWEST RESOURCES 02-1 OIL AND GAS    598349900         50          10        X   X       2                           10
    INCOME LIMITED PARTNERSHIP
MILLIPORE CORP COM                    601073109        779      16,910        X           2            16,900                    10
MILLIPORE CORP COM                    601073109         13         275        X   X       2               225         50
MOLEX INC COM                         608554101        626      21,898        X           2            21,898
MOLEX INC CL A                        608554200      6,802     277,999        X           2           276,394                 1,605
MOLEX INC CL A                        608554200        115       4,684        X   X       2             4,194        490
MONTOUR INC COM                       614115194        478         358        X           2               358
MOODYS CORP COM                       615369105      1,100      20,004        X           2             4,304                15,700
MOODYS CORP COM                       615369105        291       5,300        X   X       2             1,100                 4,200
MORGAN STANLEY COM                    617446448      1,260      24,962        X           2            20,954        536      3,472
MORGAN STANLEY COM                    617446448         68       1,346        X   X       2                        1,346
MOTOROLA INC COM                      620076109        122      10,203        X           2            10,003                   200
MOTOROLA INC COM                      620076109         22       1,800        X   X       2             1,800
NASDAQ 100 TR UNIT SER 1 COM          631100104      1,984      61,200        X           2            60,489        551        160
NASDAQ 100 TR UNIT SER 1 COM          631100104         25         780        X   X       2               695         85
NATIONAL CITY CORP COM                635405103        872      29,613        X           2            28,159                 1,454
NATIONAL CITY CORP COM                635405103        158       5,360        X   X       2             3,200      2,160
NESTLE S A SPONSORED ADR              641069406      1,216      21,100        X           2            20,500                   600
NESTLE S A SPONSORED ADR              641069406         35         600        X   X       2               600
NEW PLAN EXCEL RLTY TR INC COM        648053106        266      11,400        X           2            11,400
                                                   -------
        COLUMN TOTALS                               17,047
</TABLE>

                                       12
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 09/30/03 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>
NEW PLAN EXCEL RLTY TR INC COM        648053106         35       1,500        X   X       2                        1,500
NEWELL RUBBERMAID INC COM             651229106      5,985     276,207        X           2           270,247                 5,960
NEWELL RUBBERMAID INC COM             651229106        150       6,939        X   X       2             3,439      3,500
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      8,990     576,268        X           2           569,223      3,530      3,515
NOKIA CORP ADR                        654902204        248      15,870        X   X       2             7,970      7,900
NORTEL NETWORKS CORP NEW COM          656568102         43      10,500        X           2            10,500
NORTH FORK BANCORP COM                659424105      6,240     179,563        X           2           175,608        500      3,455
NORTH FORK BANCORP COM                659424105        641      18,450        X   X       2            13,700        850      3,900
NORTHERN TRUST CORP COM               665859104      4,306     101,677        X           2            99,362        400      1,915
NORTHERN TRUST CORP COM               665859104        129       3,045        X   X       2             1,170      1,875
NORTHROP GRUMMAN CORP COM             666807102      3,353      38,895        X           2            38,680        200         15
NORTHROP GRUMMAN CORP COM             666807102        113       1,305        X   X       2               550        755
* NUVEEN FLAGSHIP MUNI BOND FUND A    67065Q202        118      12,777        X           2            12,777
* NUVEEN MUNI BD FD CL R              67065Q400      2,810     304,736        X           2           235,983                68,753
OLD SECOND BANCORP INC ILL COM        680277100        294       6,826        X           2             6,826
OLD SECOND BANCORP INC ILL COM        680277100        115       2,667        X   X       2                                   2,667
OMNICOM GROUP INC COM                 681919106      6,711      93,400        X           2            92,785                   615
OMNICOM GROUP INC COM                 681919106        307       4,275        X   X       2             3,350        925
ORACLE CORP COM                       68389X105        749      66,586        X           2            60,141      1,950      4,495
ORACLE CORP COM                       68389X105          3         310        X   X       2               150        160
OSHKOSH B GOSH INC CL A               688222207      1,183      45,976        X           2            45,976
OSHKOSH B GOSH INC CL A               688222207        184       7,160        X   X       2                        7,160
OSHKOSH B GOSH INC CL B               688222306        250      11,256        X           2            11,256
                                                    ------
        COLUMN TOTALS                               43,164
</TABLE>

                                       13
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 09/30/03 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>
OSHKOSH TRUCK CORP CL B               688239201      1,423      35,934        X           2            35,934
* PIMCO FDS PAC INVT MGMT SER         693390841      8,250     875,709        X           2           873,517                 2,192
    HIGH YIELD FD
* PIMCO FDS PAC INVT MGMT SER         693390841        534      56,667        X   X       2                        7,290     49,377
    HIGH YIELD FD
PAYCHEX INC COM                       704326107      2,468      72,375        X           2            72,360                    15
PAYCHEX INC COM                       704326107         22         650        X   X       2               450        200
PENTAIR INDS INC COM                  709631105        248       6,213        X           2             6,213
PENTAIR INDS INC COM                  709631105        251       6,300        X   X       2                        6,300
PEPSICO INC COM                       713448108     18,892     412,215        X           2           396,455        870     14,890
PEPSICO INC COM                       713448108      1,218      26,573        X   X       2            20,873      5,700
PFIZER INC COM                        717081103     28,851     949,685        X           2           908,326      2,920     38,439
PFIZER INC COM                        717081103      2,954      97,250        X   X       2            66,260     16,390     14,600
PITNEY BOWES INC COM                  724479100        401      10,461        X           2            10,461
PLEXUS CORP COM                       729132100      4,192     269,772        X           2           170,772                99,000
PLUM CREEK TIMBER CO INC COM          729251108      5,660     222,499        X           2           221,049        600        850
PLUM CREEK TIMBER CO INC COM          729251108        207       8,125        X   X       2             2,890      3,535      1,700
PRECISION CASTPARTS CORP COM          740189105        174       4,950        X           2             4,950
PRECISION CASTPARTS CORP COM          740189105        192       5,482        X   X       2                        5,482
PROCTER & GAMBLE CO COM               742718109     24,843     267,649        X           2           251,649        350     15,650
PROCTER & GAMBLE CO COM               742718109      1,434      15,445        X   X       2             7,005      8,440
RBID COM INC COM                      749283107                 15,000        X           2            15,000
ROCKWELL AUTOMATION INC COM           773903109      2,938     111,941        X           2           111,941
ROCKWELL AUTOMATION INC COM           773903109         60       2,300        X   X       2             2,300
ROWAN COS INC COM                     779382100      2,391      97,285        X           2            97,285
ROYAL DUTCH PETROLEUM CO COM          780257804      1,449      32,782        X           2            30,582                 2,200
ROYAL DUTCH PETROLEUM CO COM          780257804         62       1,400        X   X       2             1,300                   100
                                                   -------
        COLUMN TOTALS                              109,114
</TABLE>

                                       14
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 09/30/03 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>
SBC COMMUNICATIONS INC COM            78387G103      6,563     294,966        X           2           286,653        610      7,703
SBC COMMUNICATIONS INC COM            78387G103        379      17,036        X   X       2            12,046      4,655        335
SLM CORP COM                          78442P106      1,646      42,261        X           2            42,261
SPDR TR UNIT SER 1                    78462F103      7,973      79,775        X           2            79,655                   120
SPDR TR UNIT SER 1                    78462F103         65         650        X   X       2               650
SARA LEE CORP NEW COM                 803111103      2,437     132,754        X           2           127,154      2,400      3,200
SARA LEE CORP NEW COM                 803111103         31       1,700        X   X       2             1,700
SCHERING PLOUGH CORP COM              806605101      3,325     218,210        X           2           214,410                 3,800
SCHERING PLOUGH CORP COM              806605101        185      12,115        X   X       2             8,565      2,550      1,000
SCHLUMBERGER LTD COM                  806857108      5,683     117,417        X           2           117,417
SCHLUMBERGER LTD COM                  806857108        163       3,375        X   X       2             2,675        500        200
SCHWEITZER-MAUDUIT INTL INC COM       808541106      1,888      74,780        X           2            37,860        264     36,656
SCHWEITZER-MAUDUIT INTL INC COM       808541106         26       1,044        X   X       2                44                 1,000
SEALED AIR CORP NEW COM               81211K100        189       4,000        X           2             4,000
SEALED AIR CORP NEW COM               81211K100        167       3,530        X   X       2                        3,530
SEARS ROEBUCK & CO COM                812387108        237       5,424        X           2             2,472        728      2,224
SEARS ROEBUCK & CO COM                812387108         13         300        X   X       2                          300
SELECT SECTOR SPDR TR SBI MATERIALS   81369Y100      1,471      67,370        X           2            66,220                 1,150
SELECT SECTOR SPDR TR SBI MATERIALS   81369Y100         24       1,090        X   X       2             1,010         80
SELECT SECTOR SPDR TR HEALTHCARE      81369Y209      1,006      36,185        X           2            36,060                   125
SELECT SECTOR SPDR TR HEALTHCARE      81369Y209          6         220        X   X       2               160         60
SELECT SECTOR SPDR TR                 81369Y407      2,329      84,465        X           2            84,165                   300
    CONSUMER DISCRETIONARY SECTOR
SELECT SECTOR SPDR TR                 81369Y407         52       1,880        X   X       2             1,725        155
    CONSUMER DISCRETIONARY SECTOR
SELECT SECTOR SPDR TRUST ENERGY       81369Y506      1,617      67,225        X           2            67,000                   225
SELECT SECTOR SPDR TRUST ENERGY       81369Y506         34       1,420        X   X       2             1,295        125
                                                    ------
        COLUMN TOTALS                               37,509
</TABLE>

                                       15
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 09/30/03 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>
SELECT SECTOR SPDR TRUST FINANCE      81369Y605      2,110      83,025        X           2            82,705                   320
SELECT SECTOR SPDR TRUST FINANCE      81369Y605         28       1,100        X   X       2               935        165
SELECT SECTOR SPDR TR                 81369Y704      1,415      60,745        X           2            60,545                   200
    INDUSTRIAL SECTOR
SELECT SECTOR SPDR TR                 81369Y704         10         415        X   X       2               310        105
    INDUSTRIAL SECTOR
SNAP-ON INC COM                       833034101        226       8,162        X           2             8,162
SOUTHERN CO COM                       842587107      3,693     125,840        X           2           124,240      1,600
SOUTHERN CO COM                       842587107        142       4,850        X   X       2             2,500      1,750        600
SPRINT CORP (FON GROUP) COM           852061100        203      13,444        X           2            13,444
STAPLES INC COM                       855030102        396      16,597        X           2            16,597
STATE STREET CORP COM                 857477103     11,936     265,245        X           2           260,220        800      4,225
STATE STREET CORP COM                 857477103        637      14,166        X   X       2            10,091      4,075
* STRONG GOVERNMENT SECURITIES FD     863344107        153      13,643        X           2            13,643
SUN MICROSYSTEMS INC COM              866810104         83      24,975        X           2            23,375                 1,600
SUNGARD DATA SYS INC COM              867363103     16,436     624,719        X           2           618,769      1,175      4,775
SUNGARD DATA SYS INC COM              867363103        740      28,144        X   X       2            22,269      5,875
SUPERVALU INC COM                     868536103        976      40,896        X           2            35,546                 5,350
SYMANTEC CORP COM                     871503108        220       3,480        X           2             2,480                 1,000
SYSCO CORP COM                        871829107      8,230     251,609        X           2           245,399      3,840      2,370
SYSCO CORP COM                        871829107        247       7,550        X   X       2             4,700      2,850
TJX COMPANIES INC COM NEW             872540109      4,077     209,955        X           2           208,255        900        800
TJX COMPANIES INC COM NEW             872540109        115       5,900        X   X       2             2,600      3,300
TARGET CORP COM                       87612E106        160       4,256        X           2             4,056                   200
TARGET CORP COM                       87612E106         87       2,300        X   X       2             1,800        500
TEXAS INSTR INC COM                   882508104      1,744      76,484        X           2            75,259                 1,225
TEXAS INSTR INC COM                   882508104         33       1,450        X   X       2               750        700
                                                    ------
        COLUMN TOTALS                               54,097
</TABLE>

                                       16
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 09/30/03 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>
3M COMPANY COM                        88579Y101      2,803      40,582        X           2            21,906                18,676
3M COMPANY COM                        88579Y101        497       7,200        X   X       2                                   7,200
TORONTO DOMINION BK ONTARIO CAN COM   891160509        301      10,630        X           2             6,380                 4,250
TUPPERWARE CORP COM                   899896104        470      35,125        X           2            34,375                   750
US BANCORP DEL NEW COM                902973304      4,024     167,740        X           2           159,535        615      7,590
US BANCORP DEL NEW COM                902973304        961      40,038        X   X       2            28,689      1,500      9,849
U S I HLDGS COM                       90333H101        130      10,000        X           2            10,000
UNITED TECHNOLOGIES CORP COM          913017109        491       6,354        X           2             6,354
UNITEDHEALTH GROUP INC COM            91324P102      5,255     104,440        X           2           104,090        300         50
UNITEDHEALTH GROUP INC COM            91324P102         65       1,300        X   X       2               400        900
* VANGUARD TOTAL BD MARKET INDEX FD   921937108     24,905   2,392,135        X           2         2,382,805                 9,330
* VANGUARD TOTAL BD MARKET INDEX FD   921937108        666      63,987        X   X       2            56,591      7,396
* VANGUARD BD INDEX FD INC            921937207        191      18,335        X           2            18,335
    SHORT TERM BD INDEX
* VANGUARD TOTAL BOND INDEX FUND      921937603      2,569     246,819        X           2           246,819
    ADMIRAL SHARES
* VANGUARD SHORT TERM BOND FUND       921937702      3,113     299,286        X           2           299,286
    ADMIRAL CL
* VANGUARD FIXED INCOME SEC FD        922031109        256      27,269        X   X       2                       27,269
    INVT GRADE CORP
VANGUARD HIGH YIELD CORP PORTFOLIO    922031208        250      40,260        X           2            30,694                 9,566
* VANGUARD GNMA FD                    922031307        123      11,600        X           2            11,600
* VANGUARD SHORT TERM CORP BOND FD    922031406     43,243   3,985,187        X           2         3,953,071      7,966     24,150
* VANGUARD SHORT TERM CORP BOND FD    922031406      1,136     104,685        X   X       2            87,021     17,664
VANGUARD FIXED INCOME SECS F          922031760      1,299     209,183        X           2           209,183
    HIYLD CORP ADM
VANGUARD FIXED INCOME SECS F          922031760        449      72,337        X   X       2                                  72,337
    HIYLD CORP ADM
* VANGUARD FIXED INCOME SEC FD        922031836     12,532   1,155,023        X           2         1,155,023
    SHORT TERM CORP ADMIRAL SHARES
* VANGUARD FIXED INCOME SEC FD        922031836        206      19,000        X   X       2                       19,000
    SHORT TERM CORP ADMIRAL SHARES
* VANGUARD MUNI BOND FD INC SHORT     922907100      1,016      64,298        X           2            64,298
    TERM PORTFOLIO
                                                   -------
        COLUMN TOTALS                              106,951
</TABLE>

                                       17
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 09/30/03 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>
* VANGUARD MUNI BOND FD INC           922907209        456      33,267        X           2            33,267
    INTERMEDIATE TERM PORTFOLIO
* VANGUARD MUNI BOND FD INC           922907209        165      12,008        X   X       2            12,008
    INTERMEDIATE TERM PORTFOLIO
* VANGUARD MUNI BD FD INC LTD TERM    922907704        886      79,646        X           2            79,646
    PORTFOLIO
* VANGUARD MUNI BOND FUND INC SHORT   922907803        999      63,255        X           2            63,255
    TERM TAX EXEMPT ADMIRAL SHARES
* VANGUARD MUNI BOND FUND INC         922907886        390      35,071        X           2            35,071
    LMTD TERM TAX EXEMPT ADMIRAL SHARES
VERIZON COMMUNICATIONS COM            92343V104      3,849     118,660        X           2           110,904        200      7,556
VERIZON COMMUNICATIONS COM            92343V104        104       3,199        X   X       2             2,299        900
VIACOM INC CL B COM                   925524308      7,776     203,032        X           2           202,457                   575
VIACOM INC CL B COM                   925524308         85       2,230        X   X       2             1,400        830
VODAFONE GROUP PLC NEW SPONS ADR      92857W100      4,360     215,315        X           2           215,200                   115
VODAFONE GROUP PLC NEW SPONS ADR      92857W100         44       2,185        X   X       2             1,125      1,060
WPS RESOURCES CORP COM                92931B106     21,819     529,594        X           2            87,045               442,549
WPS RESOURCES CORP COM                92931B106        522      12,673        X   X       2             6,513      6,160
WACHOVIA CORP NEW COM                 929903102        689      16,729        X           2            15,029                 1,700
WACHOVIA CORP NEW COM                 929903102        403       9,792        X   X       2             4,510      1,000      4,282
WAL MART STORES INC COM               931142103     10,302     184,463        X           2           182,463        300      1,700
WAL MART STORES INC COM               931142103        336       6,025        X   X       2             3,800      2,225
WALGREEN CO COM                       931422109     11,528     376,251        X           2           375,161        600        490
WALGREEN CO COM                       931422109        940      30,675        X   X       2            22,505      1,770      6,400
WASHINGTON MUTUAL INC COM             939322103      1,899      48,227        X           2            47,727                   500
WASHINGTON MUTUAL INC COM             939322103        232       5,901        X   X       2             2,391      3,225        285
WASTE MANAGEMENT INC NEW COM          94106L109        371      14,177        X           2            11,024                 3,153
WASTE MANAGEMENT INC NEW COM          94106L109        110       4,205        X   X       2                                   4,205
WAUSAU-MOSINEE PAPER CORP COM         943315101        905      74,099        X           2             2,225                71,874
WAUSAU-MOSINEE PAPER CORP COM         943315101        329      26,930        X   X       2            23,041      3,889
                                                   -------
        COLUMN TOTALS                               69,499
</TABLE>

                                       18
<PAGE>

<TABLE>
<CAPTION>
REPORT PTR285 4A ASSOCIATED TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM
13-F 09/30/03 PAGE 19 - - - - - - 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>
WELLPOINT HEALTH NETWORKS NEW COM     94973H108      1,962      25,450        X           2            25,450
WELLPOINT HEALTH NETWORKS NEW COM     94973H108         35         450        X   X       2               375         75
WELLS FARGO & CO NEW COM              949746101     18,225     353,878        X           2           310,988        900     41,990
WELLS FARGO & CO NEW COM              949746101        561      10,893        X   X       2             6,818      4,075
WEYERHAEUSER CO COM                   962166104         83       1,424        X           2                        1,424
WEYERHAEUSER CO COM                   962166104        512       8,758        X   X       2             1,913      6,345        500
WISCONSIN ENERGY CORP COM             976657106        703      22,997        X           2            18,897        100      4,000
WISCONSIN ENERGY CORP COM             976657106        170       5,565        X   X       2             4,500      1,065
WYETH COM                             983024100      1,132      24,550        X           2            16,250                 8,300
WYETH COM                             983024100         12         267        X   X       2               267
XANSER CORP COM                       98389J103        117      44,650        X           2            44,650
ZIMMER HLDGS INC COM                  98956P102      7,772     141,060        X           2           136,575                 4,485
ZIMMER HLDGS INC COM                  98956P102        387       7,032        X   X       2             2,408      4,624
ZORAN CORP COM                        98975F101      1,074      54,890        X           2            54,890
                                                 ---------
        COLUMN TOTALS                               32,745
         FINAL TOTALS                            1,389,144
</TABLE>

                                       19
<PAGE>

</TEXT>
</DOCUMENT>
