UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
SCHEDULE 13G
UNDER THE SECURITIES EXCHANGE ACT OF 1934
(AMENDMENT NO. _________)*
INDEPENDENT BANK CORPORATION
(Name of Issuer)
COMMON STOCK, $1 PAR VALUE
(Title of Class of Securities)
453838104
(CUSIP Number)
DECEMBER 31, 2004
(Date of Event Which Requires Filing of this Statement)
Check the appropriate box to designate the rule pursuant to which this Schedule
is filed:
[X] Rule 13d-1(b)
[ ] Rule 13d-1(c)
[ ] Rule 13d-1(d)
*The remainder of this cover page shall be filled out for a reporting person's
initial filing on this form with respect to the subject class of securities, and
for any subsequent amendment containing information which would alter the
disclosures provided in a prior cover page.
The information required in the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the Securities Exchange Act of
1934 ("Act") or otherwise subject to the liabilities of that section of the Act
but shall be subject to all other provisions of the Act (however, see the
Notes).
CUSIP NO.
1. Name of Reporting Persons. INDEPENDENT BANK CORPORATION EMPLOYEE
SAVINGS AND STOCK OWNERSHIP PLAN I.R.S.
Identification Nos. of above persons (entities only).
51-0099493
2. Check appropriate box if a Member of a Group (a)
(b)
3. SEC use only
4. Citizenship or Place of Organization DELAWARE
Number of Shares Beneficially Owned by Each Reporting Person With:
5. Sole Voting Power
6. Shared Voting Power 1,138,283
7. Sole Dispositive Power
8. Shared Dispositive Power 1,138,283
9. Aggregate Amount Beneficially owned by Each Reporting Person 1,138,283
10. Check if Aggregate Amount in Row (9) Excludes Certain Shares
(See Instructions)
11. Percent of Class Represented by Amount in Row (9) 5.4%
12. Type of Reporting Person EP
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ITEM 1.
(a) Name of Issuer Independent Bank Corporation
(b) Address of Issuer's Principal Executive Offices
INDEPENDENT BANK CORPORATION
227 W. MAIN
IONIA, MI 48846
ITEM 2.
(a) Name of Person Filing INDEPENDENT BANK CORPORATION EMPLOYEE SAVINGS
AND STOCK OWNERSHIP PLAN
TRUSTEE: DELAWARE CHARTER GUARANTEE & TRUST COMPANY
(b) Address of Principal Business Office or, if none., Residence
DELAWARE CHARTER GUARANTEE & TRUST COMPANY
1013 CENTRE ROAD WILMINGTON, DELAWARE 19805
(c) Citizenship DELAWARE
(d) Title of Class of Securities common stock, no par value
(e) CUSIP Number 453838104
ITEM 3. IF THIS STATEMENT IS FILED PURSUANT TO SS.SS.240.13D-1(B) OR
240.13D-2(B) OR (C), CHECK WHETHER PERSON FILING IS A:
(f)[X] An employee benefit plan or endowment fund in accordance
with ss.240.13d-1(b)(1)(ii)(F);
ITEM 4. OWNERSHIP
Provide the following information regarding the aggregate number and percentage
of the class of securities of the issuer identified in Item 1.
(a) Amount beneficially owned: 1,138,283
(b) Percent of class: 5.4%
(c) Number of shares as to which the person has:
(i) Sole power to vote or to direct the vote ______.
(ii) Shared power to vote or to direct the vote 1,138,283
(iii) Sole power to dispose or to direct the disposition of _______.
(iv) Shared power to dispose or to direct the disposition of
1,138,283
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ITEM 5. OWNERSHIP OF FIVE PERCENT OR LESS OF CLASS:
Not Applicable
ITEM 6. OWNERSHIP OF MORE THAN FIVE PERCENT ON BEHALF OF ANOTHER PERSON:
Not Applicable
ITEM 7. IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARY WHICH ACQUIRED THE
SECURITY BEING REPORTED ON BY THE PARENT HOLDING COMPANY:
Not Applicable
ITEM 8. IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF THE GROUP:
The reporting person is an employee benefit plan subject to the provisions of
the Employee Retirement Income Security Act of 1974.
ITEM 9. NOTICE OF DISSOLUTION OF GROUP:
Not Applicable
ITEM 10. CERTIFICATION:
By signing below I certify that, to the best of my knowledge and belief, the
securities referred to above were acquired and are held in the ordinary course
of business and were not acquired and are not held for the purpose of or with
the effect of hanging or influencing the control of the issuer of the securities
and are not acquired and are not held in connection with or as a participant in
any transaction having that purpose or effect.
SIGNATURE
After reasonable inquiry and to the best of my knowledge and belief, I certify
that the information set forth in this statement is true, complete and correct.
DELAWARE CHARTER GUARANTEE & TRUST COMPANY
/S/ NINO DIRIENZO
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NINO DIRIENZO
DIRECTOR OF TRUST SERVICES
FEBRUARY 4, 2005
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