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Proc-Type: 2001,MIC-CLEAR
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<SEC-DOCUMENT>0000007789-04-000019.txt : 20040407
<SEC-HEADER>0000007789-04-000019.hdr.sgml : 20040407
<ACCEPTANCE-DATETIME>20040407095356
ACCESSION NUMBER:		0000007789-04-000019
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040331
FILED AS OF DATE:		20040407
EFFECTIVENESS DATE:		20040407

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:		04721464

	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>form13f-hr033104.txt
<DESCRIPTION>FORM 13F-HR FOR 1ST QUARTER 2004
<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, 2004

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 7th day of
April, 2004.

                                    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>
<PAGE>

<TABLE>
<CAPTION>
SAVSTMTS
REPORT PTR285 4A       ASSOCIATED TRUST CO       SECURITIES AND EXCHANGE COMMISSION       FORM 13-F       03/31/04       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>
NOBLE CORP COM                        G65422100         69       1,800        X           2             1,800
NOBLE CORP COM                        G65422100        138       3,600        X   X       2                        3,600
XL CAPITAL LTD CL A COM               G98255105      2,775      36,492        X           2            35,967        150        375
XL CAPITAL LTD CL A COM               G98255105        131       1,725        X   X       2             1,500        225
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      3,041     133,675        X           2           133,215                   460
CHECK POINT SOFTWARE TECH LT ORD      M22465104         81       3,560        X   X       2               820      2,740
FLEXTRONICS INTL LTD ORD              Y2573F102      3,269     191,292        X           2           191,142                   150
FLEXTRONICS INTL LTD ORD              Y2573F102         32       1,850        X   X       2               600      1,250
AFLAC CORP COM                        001055102        205       5,113        X           2             5,013                   100
AIM INVT SECS FDS LTD MATURITY        00142C201        548      52,828        X           2            52,828
    TREAS PORTFOLIO SHS
ABBOTT LABS COM                       002824100      5,934     144,374        X           2           142,874                 1,500
ABBOTT LABS COM                       002824100        402       9,777        X   X       2             7,422      2,355
ADELPHIA COMMUNICATIONS CORP CL A     006848105         60      71,850        X           2            71,850
    COM
AFFILIATED COMPUTER SVCS INC CL A     008190100      1,220      23,500        X           2            23,500
    COM
AIR PRODS & CHEMS INC COM             009158106     11,194     223,337        X           2           220,237        350      2,750
AIR PRODS & CHEMS INC COM             009158106        404       8,065        X   X       2             6,115      1,950
ALLETE INC COM                        018522102        274       7,795        X           2             6,370                 1,425
ALLETE INC COM                        018522102         28         800        X   X       2               800
ALLIANCE CAPITAL MGMT HLDG LP COM     01855A101      2,050      55,720        X           2            55,560        160
ALLIANCE CAPITAL MGMT HLDG LP COM     01855A101         88       2,400        X   X       2               800                 1,600
* ALLIANCE MUNI INCOME FD CL A        018642108        213      20,792        X           2            20,792
ALLIANT ENERGY CORP COM               018802108        419      16,072        X           2            16,072
ALLIANT ENERGY CORP COM               018802108         29       1,118        X   X       2             1,018        100
                                                    ------
        COLUMN TOTALS                               35,700
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
REPORT PTR285 4A       ASSOCIATED TRUST CO       SECURITIES AND EXCHANGE COMMISSION       FORM 13-F       03/31/04       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>
ALLSTATE CORP COM                     020002101      7,475     164,425        X           2           158,253        848      5,324
ALLSTATE CORP COM                     020002101        122       2,675        X   X       2               175      2,500
ALTRIA GROUP INC COM                  02209S103      6,938     127,428        X           2           125,028                 2,400
ALTRIA GROUP INC COM                  02209S103      2,254      41,400        X   X       2            17,690     18,600      5,110
AMERICAN EXPRESS CO COM               025816109      1,183      22,810        X           2            22,410                   400
AMERICAN INTL GROUP INC COM           026874107     16,062     225,125        X           2           220,134        195      4,796
AMERICAN INTL GROUP INC COM           026874107        689       9,656        X   X       2             7,316      2,340
AMGEN INC COM                         031162100      5,561      95,640        X           2            93,430        850      1,360
AMGEN INC COM                         031162100        154       2,650        X   X       2               925      1,725
ANADARKO PETROLEUM CORP COM           032511107        431       8,316        X           2             8,008                   308
ANCHOR BANCORP WI INC COM             032839102      2,455      97,087        X           2            97,087
ANCHOR BANCORP WI INC COM             032839102          3         134        X   X       2                          134
ANHEUSER BUSCH COS INC COM            035229103      5,773     113,195        X           2           112,195        100        900
ANHEUSER BUSCH COS INC COM            035229103         50         975        X   X       2               250        725
AON CORP COM                          037389103      7,317     262,158        X           2           262,158
AON CORP COM                          037389103         80       2,875        X   X       2             2,875
APACHE CORP COM                       037411105      3,880      89,871        X           2            87,597        350      1,924
APACHE CORP COM                       037411105         73       1,700        X   X       2               500      1,200
APPLIED MATERIALS COM                 038222105      5,680     266,288        X           2           264,738      1,050        500
APPLIED MATERIALS COM                 038222105         38       1,800        X   X       2               280      1,520
ARKONA INC COM                        041268103          9      14,000        X           2            14,000
ASSOCIATED BANC CORP COM              045487105    200,550   4,477,558        X           2         3,748,850        320    728,388
ASSOCIATED BANC CORP COM              045487105     15,359     342,921        X   X       2            95,756     61,832    185,333
AUTO DATA PROCESS COM                 053015103      4,256     101,339        X           2            98,534        400      2,405
AUTO DATA PROCESS COM                 053015103        322       7,675        X   X       2             5,300      2,375
                                                   -------
        COLUMN TOTALS                              286,714
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
REPORT PTR285 4A       ASSOCIATED TRUST CO       SECURITIES AND EXCHANGE COMMISSION       FORM 13-F       03/31/04       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>
AVERY DENNISON CORP COM               053611109      1,206      19,383        X           2            19,333                    50
BB&T CORP COM                         054937107        254       7,185        X           2             7,185
BJ SVCS CO COM                        055482103      6,172     142,650        X           2           142,010        280        360
BJ SVCS CO COM                        055482103         85       1,965        X   X       2             1,730        235
BP PLC ADR                            055622104     14,429     281,821        X           2           241,261        250     40,310
BP PLC ADR                            055622104      1,161      22,678        X   X       2            19,828      2,600        250
BANK OF AMERICA CORP COM              060505104      1,970      24,322        X           2            21,438                 2,884
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 MUTUAL CORP COM                  063750103        215      19,223        X           2            19,223
BANK ONE CORP COM                     06423A103      3,242      59,469        X           2            53,036                 6,433
BANK ONE CORP COM                     06423A103        239       4,387        X   X       2             4,187        200
BANTA CORP COM                        066821109      2,903      62,720        X           2            54,370                 8,350
BANTA CORP COM                        066821109        123       2,648        X   X       2             2,535        113
BAXTER INTL COM                       071813109        502      16,254        X           2            15,030                 1,224
BELLSOUTH CORP COM                    079860102      1,529      55,213        X           2            53,213      2,000
BELLSOUTH CORP COM                    079860102        122       4,400        X   X       2             2,800      1,600
BEMIS INC COM                         081437105     15,739     605,340        X           2           604,500                   840
BEMIS INC COM                         081437105        777      29,870        X   X       2               950     28,920
BERKSHIRE HATHAWAY INC DEL CL B COM   084670207        523         168        X           2                92                    76
BERKSHIRE HATHAWAY INC DEL CL B COM   084670207         19           6        X   X       2                            6
BEST BUY CO INC COM                   086516101      4,195      81,106        X           2            80,456        250        400
BEST BUY CO INC COM                   086516101         69       1,325        X   X       2               650        675
BIOMET INC COM                        090613100        457      11,915        X           2            11,740                   175
BIOMET INC COM                        090613100        173       4,500        X   X       2                        4,500
                                                    ------
        COLUMN TOTALS                               57,407
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
REPORT PTR285 4A       ASSOCIATED TRUST CO       SECURITIES AND EXCHANGE COMMISSION       FORM 13-F       03/31/04       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>
BIOGEN IDEC INC COM                   09062X103      2,195      39,475        X           2            39,405                    70
BIOGEN IDEC INC COM                   09062X103         21         380        X   X       2               250        130
BIOTECH HOLDRS TR DEP RCPT COM        09067D201      3,069      21,600        X           2            21,600
BLOCK H & R INC COM                   093671105      4,260      83,483        X           2            82,233        250      1,000
BLOCK H & R INC COM                   093671105        139       2,716        X   X       2               716      2,000
BOEING CO COM                         097023105      3,701      90,110        X           2            88,885        325        900
BOEING CO COM                         097023105         89       2,175        X   X       2               975      1,200
BOSTON PPTYS INC COM                  101121101        244       4,500        X           2             1,000                 3,500
BRISTOL MYERS-SQUIBB CO COM           110122108      3,983     164,388        X           2           152,968      1,880      9,540
BRISTOL MYERS-SQUIBB CO COM           110122108        736      30,357        X   X       2            11,655     17,502      1,200
BURLINGTON RESOURCES COM              122014103        413       6,484        X           2             6,484
CAPITAL ONE FINL CORP COM             14040H105        432       5,727        X           2             5,727
CAPITAL ONE FINL CORP COM             14040H105        958      12,700        X   X       2            10,300                 2,400
CARDINAL HEALTH INC COM               14149Y108      2,051      29,772        X           2            29,486                   286
CARDINAL HEALTH INC COM               14149Y108         94       1,370        X   X       2               970        400
CAREMARK RX INC COM                   141705103     11,281     339,285        X           2           335,415      1,375      2,495
CAREMARK RX INC COM                   141705103        415      12,480        X   X       2             7,180      5,300
CATERPILLAR INC COM                   149123101     18,211     230,320        X           2           227,040                 3,280
CATERPILLAR INC COM                   149123101        470       5,940        X   X       2             3,110      2,830
CENDANT CORP COM                      151313103     20,062     822,557        X           2           812,997      2,950      6,610
CENDANT CORP COM                      151313103        726      29,755        X   X       2            17,000     12,755
CHARTER ONE FINANCIAL CORP COM        160903100      3,316      93,787        X           2            93,787
CHARTER ONE FINANCIAL CORP COM        160903100         37       1,050        X   X       2                          550        500
CHESAPEAKE CORP COM                   165159104        390      16,323        X           2            16,323
CHEVRONTEXACO CORP COM                166764100     10,984     125,136        X           2           117,141        762      7,233
                                                    ------
        COLUMN TOTALS                               88,277
</TABLE>
<PAGE>

<TABLE>
<CAPTION>
REPORT PTR285 4A       ASSOCIATED TRUST CO       SECURITIES AND EXCHANGE COMMISSION       FORM 13-F       03/31/04       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>
CHEVRONTEXACO CORP COM                166764100        543       6,181        X   X       2             2,925      3,081        175
CHICAGO BRIDGE & IRON CO N V          167250109      6,322     227,160        X           2           226,225                   935
CHICAGO BRIDGE & IRON CO N V          167250109         47       1,690        X   X       2             1,140        550
CISCO SYSTEMS INC COM                 17275R102     10,429     442,479        X           2           428,479      1,050     12,950
CISCO SYSTEMS INC COM                 17275R102        541      22,957        X   X       2            12,165     10,792
CITIGROUP INC COM                     172967101     18,496     357,753        X           2           352,315      1,900      3,538
CITIGROUP INC COM                     172967101        724      14,013        X   X       2             6,698      7,315
CITIZENS BANKING CORP COM             174420109      1,386      42,486        X           2            42,486
CLOROX CO COM                         189054109      2,376      48,588        X           2            48,588
CLOROX CO COM                         189054109      1,020      20,847        X   X       2                       20,847
COCA COLA CO COM                      191216100      4,690      93,246        X           2            88,636        960      3,650
COCA COLA CO COM                      191216100        170       3,384        X   X       2             2,008      1,376
COLGATE PALMOLIVE CO COM              194162103      3,841      69,701        X           2            65,574                 4,127
COLGATE PALMOLIVE CO COM              194162103        615      11,163        X   X       2             5,770      4,193      1,200
* COLUMBIA FIXED INCOME SECS FD       197643109        211      15,391        X           2            15,391
COMCAST CORP NEW CL A                 20030N101        295      10,259        X           2            10,210                    49
COMCAST CORP NEW CL A                 20030N101         12         421        X   X       2                97        162        162
COMCAST CORP CL A SPL NEW COM         20030N200      3,909     140,343        X           2           139,843                   500
COMCAST CORP CL A SPL NEW COM         20030N200         49       1,750        X   X       2             1,250        500
COMERICA INC COM                      200340107         53         975        X           2               775                   200
COMERICA INC COM                      200340107        163       2,994        X   X       2             2,994
COMPARATOR SYSTEMS CORP NEW COM       204494207                 93,500        X           2            93,500
CONOCOPHILLIPS COM                    20825C104        624       8,940        X           2             7,410                 1,530
CONSOLIDATED EDISON INC COM           209115104        308       6,993        X           2             6,293                   700
CONSOLIDATED EDISON INC COM           209115104         59       1,330        X   X       2               830        500
                                                    ------
        COLUMN TOTALS                               56,883
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
REPORT PTR285 4A       ASSOCIATED TRUST CO       SECURITIES AND EXCHANGE COMMISSION       FORM 13-F       03/31/04       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>
COUNTRY MAID FINANCIAL INC.           222356206          2      66,000        X           2            66,000
    COM NEW
DANAHER CORP COM                      235851102        828       8,866        X           2             8,646                   220
DANAHER CORP COM                      235851102        131       1,400        X   X       2             1,000        400
DEAN FOODS CO NEW COM                 242370104      3,707     110,985        X           2            92,495      1,800     16,690
DEAN FOODS CO NEW COM                 242370104        161       4,821        X   X       2               321      4,500
DEERE & CO COM                        244199105        213       3,080        X           2                80                 3,000
DELL INC COM                          24702R101      7,550     224,570        X           2           223,255                 1,315
DELL INC COM                          24702R101        346      10,300        X   X       2             4,475      5,825
DIAMONDS TR UNIT SER 1                252787106      1,312      12,625        X           2            12,625
DICKS SPORTING GOODS INC COM          253393102      5,522      94,980        X           2            94,370                   610
DICKS SPORTING GOODS INC COM          253393102         41         700        X   X       2               475        225
DIEBOLD INC COM                       253651103        224       4,650        X           2             4,650
DISNEY WALT CO COM                    254687106      7,368     294,825        X           2           290,785        500      3,540
DISNEY WALT CO COM                    254687106        480      19,220        X   X       2            14,070      5,150
DOLLAR GENERAL CORP COM               256669102        129       6,694        X           2             6,694
DOLLAR GENERAL CORP COM               256669102        143       7,445        X   X       2                        7,445
DOMINION RESOURCES INC NEW COM        25746U109        492       7,659        X           2             7,659
DOMINION RESOURCES INC NEW COM        25746U109         32         500        X   X       2               500
DONNELLEY R R & SONS CO COM           257867101        878      29,025        X           2            29,025
DOW CHEMICAL CO COM                   260543103      2,699      66,997        X           2            65,497      1,500
DOW CHEMICAL CO COM                   260543103         32         800        X   X       2               150                   650
DU PONT E I DE NEMOURS & CO COM       263534109        397       9,408        X           2             7,453                 1,955
DU PONT E I DE NEMOURS & CO COM       263534109         25         600        X   X       2               600
DUKE ENERGY CORP COM                  264399106        453      20,055        X           2            20,055
DUKE ENERGY CORP COM                  264399106         41       1,800        X   X       2             1,800
                                                    ------
        COLUMN TOTALS                               33,206
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
REPORT PTR285 4A       ASSOCIATED TRUST CO       SECURITIES AND EXCHANGE COMMISSION       FORM 13-F       03/31/04       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>
DUN & BRADSTREET CORP DEL COM         26483E100        507       9,476        X           2             1,726                 7,750
DUN & BRADSTREET CORP DEL COM         26483E100        142       2,650        X   X       2               550                 2,100
ENSCO INTL INC COM                    26874Q100      2,988     106,087        X           2           105,437        400        250
ENSCO INTL INC COM                    26874Q100        105       3,740        X   X       2             2,900        840
ECOLAB INC COM                        278865100        237       8,300        X           2             8,300
ELECTRONIC ARTS INC COM               285512109        299       5,555        X           2             5,555
ELECTRONIC ARTS INC COM               285512109         24         450        X   X       2                          450
EMERSON ELEC CO COM                   291011104        210       3,507        X           2             3,057                   450
EMERSON ELEC CO COM                   291011104          8         134        X   X       2               134
ENCOMPASS SERVICES CORP COM           29255U104                 31,646        X           2            31,646
EXXON MOBIL CORP COM                  30231G102     22,104     531,474        X           2           494,025      2,692     34,757
EXXON MOBIL CORP COM                  30231G102      2,489      59,845        X   X       2            39,229      7,390     13,226
FNB BANCSHARES INC IRON MTN MI COM    30252A901        750      11,536        X           2            11,536
FPL GROUP INC COM                     302571104        409       6,112        X           2             6,112
FPL GROUP INC COM                     302571104          7         100        X   X       2               100
FEDERAL NATL MTG ASSN COM             313586109      1,699      22,846        X           2            20,546      2,300
FEDERAL NATL MTG ASSN COM             313586109         41         550        X   X       2               550
* FEDERATED INCOME TRUST COM          314199100        145      13,626        X           2            13,626
FEDEX CORP COM                        31428X106      4,131      54,964        X           2            54,104                   860
FEDEX CORP COM                        31428X106         19         250        X   X       2               175         75
* FIDELITY HIGH INCOME FD             316146406        165      18,500        X           2            18,500
FIFTH THIRD BANCORP COM               316773100        323       5,837        X           2             5,787                    50
FIFTH THIRD BANCORP COM               316773100        339       6,131        X   X       2             2,322                 3,809
FIRST DATA CORP COM                   319963104     10,175     241,351        X           2           237,241        550      3,560
FIRST DATA CORP COM                   319963104        409       9,700        X   X       2             7,100      2,600
                                                    ------
        COLUMN TOTALS                               47,725
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
REPORT PTR285 4A       ASSOCIATED TRUST CO       SECURITIES AND EXCHANGE COMMISSION       FORM 13-F       03/31/04       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>
FORD MOTOR CO DEL COM NEW             345370860        193      14,243        X           2            14,243
FORTUNE BRANDS INC COM                349631101      8,496     110,875        X           2           109,875        400        600
FORTUNE BRANDS INC COM                349631101        260       3,391        X   X       2             1,116      2,075        200
FRANKLIN RESOURCES INC COM            354613101      3,561      63,957        X           2            63,607                   350
FRANKLIN RESOURCES INC COM            354613101        367       6,600        X   X       2             4,500                 2,100
GENERAL ELEC CO COM                   369604103     29,551     968,253        X           2           860,094      7,300    100,859
GENERAL ELEC CO COM                   369604103      1,860      60,954        X   X       2            44,444     16,510
GENERAL MOTORS CORP COM               370442105        262       5,553        X           2             3,982                 1,571
GENERAL MOTORS CORP COM               370442105         28         600        X   X       2               100        500
GILLETTE CO COM                       375766102        329       8,418        X           2             7,418                 1,000
GILLETTE CO COM                       375766102         74       1,900        X   X       2             1,900
GLAXO SMITHKLINE NEW ADR              37733W105        613      15,347        X           2            13,187                 2,160
GLAXO SMITHKLINE NEW ADR              37733W105        198       4,955        X   X       2             3,300      1,655
GOLDMAN SACHS GRP INC COM             38141G104      7,815      74,895        X           2            74,370                   525
GOLDMAN SACHS GRP INC COM             38141G104         52         500        X   X       2               250        250
GOLDMAN SACHS TR CORE FIXED INCOME    38142B419        391      38,130        X           2            38,130
    CL A
GRAINGER W W INC COM                  384802104        341       7,100        X           2             7,100
GREY GLOBAL GROUP INC COM             39787M108        275         400        X           2               400
HANCOCK JOHN BK & THRIFT SBI COM      409735107      2,048     202,620        X           2           202,620
HARLEY DAVIDSON INC COM               412822108      1,036      19,423        X           2            18,373                 1,050
HARLEY DAVIDSON INC COM               412822108        115       2,150        X   X       2             2,050        100
HARRIS CORP DEL COM                   413875105      4,537      93,721        X           2            92,746        400        575
HARRIS CORP DEL COM                   413875105        103       2,125        X   X       2               250      1,875
HEALTHTRAC INC COM                    42226R100          1      30,000        X           2            30,000
HEINZ H J CO COM                      423074103        269       7,225        X           2             6,250                   975
                                                    ------
        COLUMN TOTALS                               62,775
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
REPORT PTR285 4A       ASSOCIATED TRUST CO       SECURITIES AND EXCHANGE COMMISSION       FORM 13-F       03/31/04       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>
HEINZ H J CO COM                      423074103         21         550        X   X       2               100        450
HEWLETT PACKARD CO COM                428236103        250      10,950        X           2            10,950
HEWLETT PACKARD CO COM                428236103         32       1,400        X   X       2             1,400
HOME DEPOT INC COM                    437076102      1,082      28,964        X           2            28,389                   575
HOME DEPOT INC COM                    437076102        121       3,250        X   X       2             2,950        300
HUBBELL INC CL A COM                  443510102        377       9,694        X           2             9,694
HUBBELL INC CL A COM                  443510102         93       2,400        X   X       2                                   2,400
HUBBELL INC CL B                      443510201        318       7,926        X           2             7,926
HUBBELL INC CL B                      443510201         27         664        X   X       2                                     664
IDT CORP COM                          448947101      4,725     237,793        X           2           233,568      1,475      2,750
IDT CORP COM                          448947101        169       8,520        X   X       2             3,445      5,075
IMS HEALTH INC COM                    449934108        886      38,100        X           2             7,100                31,000
IMS HEALTH INC COM                    449934108        203       8,716        X   X       2                          316      8,400
ILLINOIS TOOL WORKS INC COM           452308109      6,447      81,378        X           2            79,128                 2,250
ILLINOIS TOOL WORKS INC COM           452308109        147       1,850        X   X       2             1,325        525
INCO LTD COM                          453258402      3,339      96,435        X           2            95,220                 1,215
INCO LTD COM                          453258402         42       1,215        X   X       2               940        275
INTEL CORP COM                        458140100     14,252     523,961        X           2           520,391        720      2,850
INTEL CORP COM                        458140100        817      30,021        X   X       2            19,950      9,571        500
INTERNATIONAL BUSINESS MACHS COM      459200101      7,802      84,958        X           2            80,967        110      3,881
INTERNATIONAL BUSINESS MACHS COM      459200101        354       3,857        X   X       2             2,772      1,085
INTERNATIONAL GAME TECHNOLOGY COM     459902102      1,155      25,700        X           2            25,700
INTERNATIONAL PAPER CO COM            460146103      1,047      24,768        X           2            24,493                   275
INTERNATIONAL PAPER CO COM            460146103         15         350        X   X       2                          350
ISHARES TR MSCI EAFE IDX              464287465        304       2,150        X           2             2,150
                                                    ------
        COLUMN TOTALS                               44,025
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
REPORT PTR285 4A       ASSOCIATED TRUST CO       SECURITIES AND EXCHANGE COMMISSION       FORM 13-F       03/31/04       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>
ISHARES TR MSCI EAFE IDX              464287465         34         240        X   X       2                          240
ISHARES TR S & P MDCP400 IDX          464287507        230       1,900        X           2               100                 1,800
ISHARES TR RUSSELL 2000               464287655        383       3,255        X           2             3,255
ISHARES TR RUSSELL 2000               464287655         26         225        X   X       2                          225
ISHARES TR DJ US TELECOMM COM         464287713      1,243      57,470        X           2            57,265                   205
ISHARES TR DJ US TELECOMM COM         464287713         13         590        X   X       2               510         80
ISHARES TR S & P SMCP600 IDX          464287804        796       5,590        X           2             4,040                 1,550
ISHARES TR S & P SMCP600 IDX          464287804         31         220        X   X       2               220
J P MORGAN CHASE & CO COM             46625H100        213       5,072        X           2             5,072
JOHNSON & JOHNSON COM                 478160104     10,971     216,311        X           2           206,356        970      8,985
JOHNSON & JOHNSON COM                 478160104        548      10,800        X   X       2             6,500      4,200        100
JOHNSON CONTROLS INC COM              478366107        334       5,654        X           2             5,654
KIMBERLY CLARK CORP COM               494368103    149,543   2,369,946        X           2         1,635,931     40,595    693,420
KIMBERLY CLARK CORP COM               494368103      8,176     129,579        X   X       2            84,166      9,975     35,438
KOHLS CORP COM                        500255104      3,410      70,569        X           2            70,389                   180
KOHLS CORP COM                        500255104        320       6,630        X   X       2             4,360      2,270
LEGG MASON INC COM                    524901105      3,683      39,702        X           2            39,577                   125
LEGG MASON INC COM                    524901105        139       1,500        X   X       2               675        825
LIBERTY MEDIA CORP NEW COM SER A      530718105      6,271     572,721        X           2           564,034      2,990      5,697
LIBERTY MEDIA CORP NEW COM SER A      530718105        185      16,868        X   X       2            11,103      5,765
LILLY ELI & CO COM                    532457108      7,699     115,076        X           2           112,226                 2,850
LILLY ELI & CO COM                    532457108        472       7,050        X   X       2             4,525        825      1,700
LINEAR TECHNOLOGY CORP COM            535678106      1,753      47,275        X           2            47,045                   230
LINEAR TECHNOLOGY CORP COM            535678106         60       1,620        X   X       2               630        990
LITTLEFIELD ADAMS & CO COM            537581100                 15,518        X           2            15,518
                                                   -------
        COLUMN TOTALS                              196,533
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
REPORT PTR285 4A       ASSOCIATED TRUST CO       SECURITIES AND EXCHANGE COMMISSION       FORM 13-F       03/31/04       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>
LOCATEPLUS HOLDINGS CORP CL A         539570101         16      38,800        X           2            38,800
* LORD ABBETT NATL TAX FREE INC CL A  543902100        591      50,703        X           2            50,703
LOWES COS INC COM                     548661107      7,007     124,829        X           2           124,054        400        375
LOWES COS INC COM                     548661107        293       5,220        X   X       2             3,020      2,200
LUCENT TECHNOLOGIES INC COM           549463107        130      31,745        X           2            31,745
LUCENT TECHNOLOGIES INC COM           549463107          3         760        X   X       2               760
MGE ENERGY INC COM                    55277P104        217       7,025        X           2             7,025
MGE ENERGY INC COM                    55277P104         57       1,838        X   X       2             1,725        113
MANITOWOC CO INC COM                  563571108      1,959      66,228        X           2            60,548      2,993      2,687
MANITOWOC CO INC COM                  563571108        271       9,152        X   X       2             9,152
MANPOWER INC COM                      56418H100        327       7,025        X           2             7,025
MARSH & MC LENNAN COS INC COM         571748102     13,667     295,184        X           2           287,829        700      6,655
MARSH & MC LENNAN COS INC COM         571748102        710      15,330        X   X       2             7,355      4,375      3,600
MARSHALL & ILSLEY CORP COM            571834100     10,592     280,133        X           2           268,183      8,900      3,050
MARSHALL & ILSLEY CORP COM            571834100      2,223      58,803        X   X       2            29,784     29,019
MASCO CORP COM                        574599106      8,906     292,564        X           2           290,239        425      1,900
MASCO CORP COM                        574599106        335      10,990        X   X       2             4,840      5,650        500
MATTEL INC COM                        577081102      4,331     234,845        X           2           231,495        300      3,050
MATTEL INC COM                        577081102        117       6,350        X   X       2             1,625      4,725
MCDONALDS CORP COM                    580135101        731      25,575        X           2            25,475        100
MCDONALDS CORP COM                    580135101         35       1,208        X   X       2             1,008        200
MCGRAW-HILL CO INC COM                580645109        523       6,870        X           2             5,470                 1,400
MCGRAW-HILL CO INC COM                580645109        122       1,600        X   X       2             1,200        400
MEDIMMUNE INC COM                     584699102      1,511      65,480        X           2            65,410                    70
MEDIMMUNE INC COM                     584699102         22         950        X   X       2               665        285
                                                    ------
        COLUMN TOTALS                               54,696
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
REPORT PTR285 4A       ASSOCIATED TRUST CO       SECURITIES AND EXCHANGE COMMISSION       FORM 13-F       03/31/04       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>
MEDTRONIC INC COM                     585055106     18,794     393,595        X           2           386,645      5,250      1,700
MEDTRONIC INC COM                     585055106        770      16,133        X   X       2             8,633      6,050      1,450
MERCK & CO INC COM                    589331107      6,946     157,173        X           2           153,163      1,410      2,600
MERCK & CO INC COM                    589331107        412       9,326        X   X       2             6,801      2,325        200
MERRILL LYNCH & CO INC COM            590188108      5,159      86,623        X           2            86,233                   390
MERRILL LYNCH & CO INC COM            590188108         79       1,325        X   X       2             1,050        275
MICROSOFT CORP COM                    594918104     17,816     714,645        X           2           701,910      1,950     10,785
MICROSOFT CORP COM                    594918104        835      33,477        X   X       2            23,045     10,232        200
MICRON TECHNOLOGY INC COM             595112103      1,893     113,280        X           2           113,280
MIDCAP SP DR TR UNIT SER 1 COM        595635103        900       8,145        X           2             8,145
MIDCAP SP DR TR UNIT SER 1 COM        595635103         73         665        X   X       2               365        300
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        910      17,705        X           2            17,695                    10
MILLIPORE CORP COM                    601073109         19         375        X   X       2               325         50
MOLEX INC COM                         608554101        965      31,763        X           2            31,763
MOLEX INC CL A                        608554200      4,526     173,762        X           2           172,042                 1,720
MOLEX INC CL A                        608554200        119       4,564        X   X       2             4,014        550
MONTOUR INC COM                       614115194        478         358        X           2               358
MOODYS CORP COM                       615369105      1,384      19,554        X           2             4,054                15,500
MOODYS CORP COM                       615369105        375       5,300        X   X       2             1,100                 4,200
MORGAN STANLEY COM                    617446448      1,556      27,150        X           2            23,142        536      3,472
MORGAN STANLEY COM                    617446448         50         878        X   X       2                          878
MOTOROLA INC COM                      620076109        250      14,227        X           2            14,027                   200
MOTOROLA INC COM                      620076109         32       1,800        X   X       2             1,800
                                                    ------
        COLUMN TOTALS                               64,591
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
REPORT PTR285 4A       ASSOCIATED TRUST CO       SECURITIES AND EXCHANGE COMMISSION       FORM 13-F       03/31/04       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>
NASDAQ 100 TR UNIT SER 1 COM          631100104      3,121      87,070        X           2            86,910                   160
NASDAQ 100 TR UNIT SER 1 COM          631100104         24         660        X   X       2               595         65
NATIONAL CITY CORP COM                635405103        806      22,654        X           2            21,200                 1,454
NATIONAL CITY CORP COM                635405103        191       5,360        X   X       2             3,200      2,160
NESTLE S A SPONSORED ADR              641069406      1,222      19,170        X           2            18,570                   600
NESTLE S A SPONSORED ADR              641069406         38         600        X   X       2               600
NEW PLAN EXCEL RLTY TR INC COM        648053106        302      11,050        X           2            10,300                   750
NEW PLAN EXCEL RLTY TR INC COM        648053106         41       1,500        X   X       2                        1,500
NEWELL RUBBERMAID INC COM             651229106      6,368     274,463        X           2           267,028        375      7,060
NEWELL RUBBERMAID INC COM             651229106        144       6,210        X   X       2             3,085      3,125
NEWMONT MINING CORP HOLDING COMPANY   651639106      1,999      42,875        X           2            41,360                 1,515
    COM
NEWMONT MINING CORP HOLDING COMPANY   651639106         65       1,400        X   X       2               650        250        500
    COM
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     12,925     637,343        X           2           628,948      2,725      5,670
NOKIA CORP ADR                        654902204        380      18,750        X   X       2             8,800      9,450        500
NORTH FORK BANCORP COM                659424105      7,111     168,040        X           2           166,835        750        455
NORTH FORK BANCORP COM                659424105        734      17,350        X   X       2            12,950        500      3,900
NORTHERN TRUST CORP COM               665859104      5,792     124,332        X           2           121,417        400      2,515
NORTHERN TRUST CORP COM               665859104        143       3,080        X   X       2             1,130      1,950
NORTHROP GRUMMAN CORP COM             666807102      5,390      54,770        X           2            54,470        285         15
NORTHROP GRUMMAN CORP COM             666807102        147       1,495        X   X       2               550        945
* NUVEEN MUNI BD FD CL R              67065Q400        769      83,089        X           2            23,348                59,741
NUVEEN MUNI VALUE FD INC              670928100         72       7,600        X           2             7,600
NUVEEN MUNI VALUE FD INC              670928100         24       2,500        X   X       2                        2,500
                                                    ------
        COLUMN TOTALS                               48,015
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
REPORT PTR285 4A       ASSOCIATED TRUST CO       SECURITIES AND EXCHANGE COMMISSION       FORM 13-F       03/31/04       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>
OLD SECOND BANCORP INC ILL COM        680277100        330       6,426        X           2             6,426
OLD SECOND BANCORP INC ILL COM        680277100        137       2,667        X   X       2                                   2,667
OMNICOM GROUP INC COM                 681919106      5,710      71,151        X           2            70,621                   530
OMNICOM GROUP INC COM                 681919106        313       3,900        X   X       2             3,025        875
ORACLE CORP COM                       68389X105        453      37,711        X           2            33,516                 4,195
ORACLE CORP COM                       68389X105          3         260        X   X       2               100        160
OSHKOSH B GOSH INC CL A               688222207      1,043      44,564        X           2            44,564
OSHKOSH B GOSH INC CL A               688222207        121       5,160        X   X       2                        5,160
OSHKOSH B GOSH INC CL B               688222306        202      10,606        X           2            10,606
OSHKOSH TRUCK CORP CL B               688239201      4,969      89,209        X           2            89,109                   100
OSHKOSH TRUCK CORP CL B               688239201         45         800        X   X       2               150        650
* PIMCO FDS PAC INVT MGMT SER         693390841      3,675     379,178        X           2           366,630                12,548
    HIGH YIELD FD
* PIMCO FDS PAC INVT MGMT SER         693390841        456      47,109        X   X       2                        7,392     39,717
    HIGH YIELD FD
* PIMCO REAL RETURN BOND FD INSTL CL  693391104      5,780     490,080        X           2           490,029                    51
* PIMCO REAL RETURN BOND FD INSTL CL  693391104         18       1,534        X   X       2               103      1,431
PAYCHEX INC COM                       704326107      3,371      94,695        X           2            94,680                    15
PAYCHEX INC COM                       704326107         36       1,025        X   X       2               775        250
PENTAIR INDS INC COM                  709631105      1,286      21,798        X           2            21,798
PENTAIR INDS INC COM                  709631105        372       6,300        X   X       2                        6,300
PEPSICO INC COM                       713448108     18,449     342,606        X           2           324,941        525     17,140
PEPSICO INC COM                       713448108      1,404      26,078        X   X       2            20,603      5,475
PETSMART INC COM                      716768106        230       8,500        X           2                                   8,500
PFIZER INC COM                        717081103     30,716     876,345        X           2           840,922      2,865     32,558
PFIZER INC COM                        717081103      2,970      84,725        X   X       2            54,750     15,375     14,600
PHELPS DODGE CORP COM                 717265102      1,898      23,245        X           2            23,245
                                                    ------
        COLUMN TOTALS                               83,987
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
REPORT PTR285 4A       ASSOCIATED TRUST CO       SECURITIES AND EXCHANGE COMMISSION       FORM 13-F       03/31/04       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>
PITNEY BOWES INC COM                  724479100        451      10,586        X           2            10,461                   125
PLEXUS CORP COM                       729132100      4,226     237,527        X           2           146,527                91,000
PLUM CREEK TIMBER CO INC COM          729251108      7,518     231,474        X           2           228,499      1,250      1,725
PLUM CREEK TIMBER CO INC COM          729251108        248       7,625        X   X       2             3,640      3,085        900
PRECISION CASTPARTS CORP COM          740189105        218       4,950        X           2             4,950
PRECISION CASTPARTS CORP COM          740189105        241       5,482        X   X       2                        5,482
PROCTER & GAMBLE CO COM               742718109     27,869     265,720        X           2           249,545        650     15,525
PROCTER & GAMBLE CO COM               742718109      1,620      15,450        X   X       2             7,335      8,115
QUALCOMM INC COM                      747525103        237       3,578        X           2             3,578
ROCKWELL AUTOMATION INC COM           773903109      4,339     125,153        X           2           125,153
ROCKWELL AUTOMATION INC COM           773903109         80       2,300        X   X       2             2,300
ROWAN COS INC COM                     779382100        465      22,055        X           2            22,055
ROYAL DUTCH PETROLEUM CO COM          780257804      1,456      30,608        X           2            30,058                   550
ROYAL DUTCH PETROLEUM CO COM          780257804          5         100        X   X       2                                     100
* RYDEX JUNO FD INV CL                783554702        661      33,442        X           2            33,442
* RYDEX JUNO FD INV CL                783554702         18         903        X   X       2               903
SBC COMMUNICATIONS INC COM            78387G103      4,900     199,674        X           2           197,369                 2,305
SBC COMMUNICATIONS INC COM            78387G103        342      13,942        X   X       2            10,746      2,861        335
SLM CORP COM                          78442P106      1,697      40,548        X           2            40,448        100
SPDR TR UNIT SER 1                    78462F103     10,767      95,200        X           2            95,080                   120
SPDR TR UNIT SER 1                    78462F103        207       1,830        X   X       2               870        960
ST JUDE MEDICAL INC COM               790849103        234       3,250        X           2             3,250
SARA LEE CORP NEW COM                 803111103      3,367     154,010        X           2           148,410      2,400      3,200
SARA LEE CORP NEW COM                 803111103         43       1,950        X   X       2             1,950
SCHERING PLOUGH CORP COM              806605101      3,090     190,506        X           2           185,381        450      4,675
                                                    ------
        COLUMN TOTALS                               74,299
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
REPORT PTR285 4A       ASSOCIATED TRUST CO       SECURITIES AND EXCHANGE COMMISSION       FORM 13-F       03/31/04       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>
SCHERING PLOUGH CORP COM              806605101        167      10,300        X   X       2             7,400      1,900      1,000
SCHLUMBERGER LTD COM                  806857108     11,212     175,602        X           2           175,302                   300
SCHLUMBERGER LTD COM                  806857108        260       4,075        X   X       2             2,775      1,100        200
SCHWAB CHARLES CORP COM               808513105        131      11,250        X           2            10,600                   650
SCHWEITZER-MAUDUIT INTL INC COM       808541106      2,384      73,809        X           2            44,803        224     28,782
SCHWEITZER-MAUDUIT INTL INC COM       808541106         34       1,044        X   X       2                44                 1,000
SEALED AIR CORP NEW COM               81211K100        249       5,000        X           2             5,000
SEALED AIR CORP NEW COM               81211K100        176       3,530        X   X       2                        3,530
SEARS ROEBUCK & CO COM                812387108        223       5,187        X           2             2,535        428      2,224
SELECT SECTOR SPDR TR SBI MATERIALS   81369Y100      1,924      73,622        X           2            71,772                 1,850
SELECT SECTOR SPDR TR SBI MATERIALS   81369Y100         26         990        X   X       2               930         60
SELECT SECTOR SPDR TR                 81369Y407      2,468      77,740        X           2            77,495                   245
    CONSUMER DISCRETIONARY SECTOR
SELECT SECTOR SPDR TR                 81369Y407         35       1,115        X   X       2             1,025         90
    CONSUMER DISCRETIONARY SECTOR
SELECT SECTOR SPDR TRUST ENERGY       81369Y506      2,006      68,375        X           2            68,150                   225
SELECT SECTOR SPDR TRUST ENERGY       81369Y506         45       1,545        X   X       2             1,455         90
SELECT SECTOR SPDR TRUST FINANCE      81369Y605      2,510      85,370        X           2            85,050                   320
SELECT SECTOR SPDR TRUST FINANCE      81369Y605         27         920        X   X       2               865         55
SELECT SECTOR SPDR TR                 81369Y704      1,565      59,270        X           2            59,070                   200
    INDUSTRIAL SECTOR
SELECT SECTOR SPDR TR                 81369Y704         10         395        X   X       2               310         85
    INDUSTRIAL SECTOR
SECTOR SPDR TR SBI TECHNOLOGY         81369Y803        839      41,640        X           2            37,340                 4,300
SNAP-ON INC COM                       833034101        264       8,162        X           2             8,162
SOUTHERN CO COM                       842587107      3,935     129,005        X           2           127,105      1,600        300
SOUTHERN CO COM                       842587107        128       4,200        X   X       2             2,900        700        600
SPRINT CORP (FON GROUP) COM           852061100        203      11,031        X           2            11,031
STAPLES INC COM                       855030102      2,418      95,512        X           2            94,092                 1,420
                                                    ------
        COLUMN TOTALS                               33,239
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
REPORT PTR285 4A       ASSOCIATED TRUST CO       SECURITIES AND EXCHANGE COMMISSION       FORM 13-F       03/31/04       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>
STAPLES INC COM                       855030102         13         500        X   X       2               455         45
STATE STREET CORP COM                 857477103     13,435     257,730        X           2           252,085        620      5,025
STATE STREET CORP COM                 857477103        692      13,266        X   X       2            10,091      3,175
STORAGE TECHNOLOGY CORP NEW COM       862111200      1,956      70,275        X           2            70,050                   225
STORAGE TECHNOLOGY CORP NEW COM       862111200         86       3,100        X   X       2               400      2,700
* STRONG ULTRA SHORT FD               863338109        374      40,169        X           2            40,169
* STRONG GOVERNMENT SECURITIES FD     863344107        132      11,888        X           2            11,888
SUN MICROSYSTEMS INC COM              866810104         80      19,100        X           2            17,500                 1,600
SUNGARD DATA SYS INC COM              867363103      8,251     301,135        X           2           296,510                 4,625
SUNGARD DATA SYS INC COM              867363103        627      22,878        X   X       2            20,703      2,175
SUPERVALU INC COM                     868536103      1,199      39,246        X           2            34,496                 4,750
SYSCO CORP COM                        871829107      8,962     229,504        X           2           225,234      1,900      2,370
SYSCO CORP COM                        871829107        303       7,750        X   X       2             5,000      2,750
TJX COMPANIES INC COM NEW             872540109      2,931     119,330        X           2           117,830        450      1,050
TJX COMPANIES INC COM NEW             872540109        145       5,900        X   X       2             2,600      3,300
TARGET CORP COM                       87612E106        244       5,418        X           2             5,018                   400
TARGET CORP COM                       87612E106        104       2,300        X   X       2             1,800        500
TEXAS INSTR INC COM                   882508104      1,976      67,634        X           2            66,409                 1,225
TEXAS INSTR INC COM                   882508104         32       1,100        X   X       2               600        500
THERMO ELECTRON CORP COM              883556102        226       7,987        X           2             7,987
3M COMPANY COM                        88579Y101      6,291      76,843        X           2            56,031                20,812
3M COMPANY COM                        88579Y101        639       7,805        X   X       2               550         55      7,200
TORONTO DOMINION BK ONTARIO CAN COM   891160509        374      10,630        X           2            10,630
US BANCORP DEL NEW COM                902973304      4,246     153,552        X           2           145,347        615      7,590
US BANCORP DEL NEW COM                902973304      1,057      38,210        X   X       2            26,961      1,400      9,849
                                                    ------
        COLUMN TOTALS                               54,375
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
REPORT PTR285 4A       ASSOCIATED TRUST CO       SECURITIES AND EXCHANGE COMMISSION       FORM 13-F       03/31/04       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>
U S I HLDGS COM                       90333H101        149      10,000        X           2            10,000
UNITED TECHNOLOGIES CORP COM          913017109        576       6,673        X           2             6,673
UNITEDHEALTH GROUP INC COM            91324P102      9,752     151,333        X           2           149,381        902      1,050
UNITEDHEALTH GROUP INC COM            91324P102        229       3,550        X   X       2             1,325      2,225
UNIVISION COMMUN INC CL A COM         914906102        211       6,400        X           2             6,400
* VANGUARD TOTAL BD MARKET INDEX FD   921937108     21,868   2,090,379        X           2         2,086,645                 3,734
* VANGUARD TOTAL BD MARKET INDEX FD   921937108        657      62,816        X   X       2            50,105     12,711
* VANGUARD BD INDEX FD INC            921937207        245      23,650        X           2            23,650
    SHORT TERM BD INDEX
* VANGUARD TOTAL BOND INDEX FUND      921937603      4,806     459,462        X           2           459,462
    ADMIRAL SHARES
* VANGUARD SHORT TERM BOND FUND       921937702      3,104     299,286        X           2           299,286
    ADMIRAL CL
* VANGUARD FIXED INCOME SEC FD        922031109        262      27,269        X   X       2                       27,269
    INVT GRADE CORP
* VANGUARD HIGH YIELD CORP PORTFOLIO  922031208        154      24,045        X           2            24,045
* VANGUARD GNMA FD                    922031307        111      10,573        X           2            10,573
* VANGUARD SHORT TERM CORP BOND FD    922031406     44,613   4,103,855        X           2         4,053,594      8,056     42,205
* VANGUARD SHORT TERM CORP BOND FD    922031406      1,476     135,764        X   X       2           100,823     34,941
VANGUARD FIXED INCOME SECS F          922031760        400      62,529        X   X       2                                  62,529
    HIYLD CORP ADM
* VANGUARD FIXED INCOME SEC FD        922031836     16,042   1,475,770        X           2         1,461,984                13,786
    SHORT TERM CORP ADMIRAL SHARES
* VANGUARD FIXED INCOME SEC FD        922031836          6         551        X   X       2                          551
    SHORT TERM CORP ADMIRAL SHARES
* VANGUARD MUNI BOND FD INC SHORT     922907100      1,072      68,062        X           2            68,062
    TERM PORTFOLIO
* VANGUARD MUNI BOND FD INC           922907209      1,549     112,811        X           2           112,811
    INTERMEDIATE TERM PORTFOLIO
* VANGUARD MUNI BOND FD INC           922907209        195      14,203        X   X       2            14,203
    INTERMEDIATE TERM PORTFOLIO
* VANGUARD MUNI BD FD INC LTD TERM    922907704      1,352     121,986        X           2           117,367                 4,619
    PORTFOLIO
* VANGUARD MUNI BOND FUND INC SHORT   922907803        787      49,937        X           2            49,937
    TERM TAX EXEMPT ADMIRAL SHARES
* VANGUARD MUNI BOND FUND INC         922907886        615      55,484        X           2            55,484
    LMTD TERM TAX EXEMPT ADMIRAL SHARES
VERIZON COMMUNICATIONS COM            92343V104      3,758     102,846        X           2           101,362                 1,484
                                                   -------
        COLUMN TOTALS                              113,989
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
REPORT PTR285 4A       ASSOCIATED TRUST CO       SECURITIES AND EXCHANGE COMMISSION       FORM 13-F       03/31/04       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>
VERIZON COMMUNICATIONS COM            92343V104        137       3,749        X   X       2             2,849        900
VIACOM INC CL B COM                   925524308      6,905     176,111        X           2           174,861                 1,250
VIACOM INC CL B COM                   925524308        106       2,700        X   X       2             1,220      1,480
VODAFONE GROUP PLC NEW SPONS ADR      92857W100      4,957     207,421        X           2           205,981                 1,440
VODAFONE GROUP PLC NEW SPONS ADR      92857W100         51       2,115        X   X       2             1,055      1,060
WPS RESOURCES CORP COM                92931B106      4,208      88,025        X           2            82,713                 5,312
WPS RESOURCES CORP COM                92931B106        606      12,673        X   X       2             6,513      6,160
WACHOVIA CORP NEW COM                 929903102        759      16,151        X           2            16,151
WACHOVIA CORP NEW COM                 929903102        460       9,792        X   X       2             4,510      1,000      4,282
WAL MART STORES INC COM               931142103      8,813     147,641        X           2           145,491        450      1,700
WAL MART STORES INC COM               931142103        263       4,400        X   X       2             3,550        850
WALGREEN CO COM                       931422109     10,819     328,348        X           2           327,508        350        490
WALGREEN CO COM                       931422109        988      29,975        X   X       2            22,305      1,270      6,400
WASHINGTON MUTUAL INC COM             939322103      2,169      50,795        X           2            49,695        300        800
WASHINGTON MUTUAL INC COM             939322103        242       5,676        X   X       2             3,041      2,350        285
WASTE MANAGEMENT INC NEW COM          94106L109        350      11,601        X           2             8,448                 3,153
WASTE MANAGEMENT INC NEW COM          94106L109        127       4,205        X   X       2                                   4,205
WAUSAU-MOSINEE PAPER CORP COM         943315101      1,044      74,099        X           2             2,225                71,874
WAUSAU-MOSINEE PAPER CORP COM         943315101        379      26,930        X   X       2            23,041      3,889
WELLPOINT HEALTH NETWORKS NEW COM     94973H108      4,048      35,600        X           2            35,470                   130
WELLPOINT HEALTH NETWORKS NEW COM     94973H108        110         970        X   X       2               685        285
WELLS FARGO & CO NEW COM              949746101     20,092     354,549        X           2           311,404        930     42,215
WELLS FARGO & CO NEW COM              949746101        600      10,593        X   X       2             6,868      3,725
WEYERHAEUSER CO COM                   962166104         91       1,390        X           2               266      1,124
WEYERHAEUSER CO COM                   962166104        528       8,058        X   X       2             1,913      5,645        500
                                                    ------
        COLUMN TOTALS                               68,852
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
REPORT PTR285 4A       ASSOCIATED TRUST CO       SECURITIES AND EXCHANGE COMMISSION       FORM 13-F       03/31/04       PAGE 20
- - - - - - - 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>
WISCONSIN ENERGY CORP COM             976657106        637      19,824        X           2            18,824                 1,000
WISCONSIN ENERGY CORP COM             976657106        179       5,565        X   X       2             4,500      1,065
WYETH COM                             983024100        784      20,871        X           2            15,571                 5,300
WYETH COM                             983024100         10         267        X   X       2               267
XANSER CORP COM                       98389J103        114      44,650        X           2            44,650
YUM BRANDS INC COM                    988498101        381      10,019        X           2             8,939                 1,080
YUM BRANDS INC COM                    988498101         27         720        X   X       2               720
ZIMMER HLDGS INC COM                  98956P102      7,738     104,881        X           2           100,796                 4,085
ZIMMER HLDGS INC COM                  98956P102        526       7,132        X   X       2             2,508      4,624
ZORAN CORP COM                        98975F101      1,186      68,335        X           2            66,135        450      1,750
ZORAN CORP COM                        98975F101         59       3,400        X   X       2               250      3,150
                                                 ---------
        COLUMN TOTALS                               11,641
         FINAL TOTALS                            1,516,929
</TABLE>


</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
