CUSIP No. 453838104

13G/A

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

SCHEDULE 13G/A

Under the Securities Exchange Act of 1934

(Amendment No. 4)*

Independent Bank Corporation (Name of Issuer) Common Stock, $1 par value (Title of Class of Securities)

453838104 (CUSIP Number)

December 31, 2008

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

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).

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CUSIP No. 453838104				13G/A		Page 2 of 5 Pages
1. Name of Reporting Persons.
I.R.S. Identification No. of above persons (entities only).
Delaware Charter Guarantee & Trust Company dba Principal Trust Company as Trustee for the Independent Bank Corporation
Employee Stock Ownership Plan, IRS No.  51-0099493.
2. Check the 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:
		0
Number of		6. Shared Voting Power:
Shares		1,282,836
Beneficially
Owned By		7. Sole Dispositive Power:
Each		0
Reporting
Person With:		8. Shared Dispositive Power:
		1,282,836
9. Aggregate Amount Beneficially owned by Each Reporting Person
1,282,836
10. Check if Aggregate Amount in Row (9) Excludes Certain Shares:
11. Percent of Class Represented by Amount in Row (9):    5.63%
12. Type of Reporting Person:         EP

CUSIP No. 453838104				13G/A		Page 3 of 5 Pages
Item 1.
(a) Name of Issuer:						Independent Bank Corporation
(b) Address of Issuer’s Principal Executive Offices:						230 W. Main
						Ionia, MI 48846
Item 2.
(a) – (c) Name, Principal Business Address and Citizenship of Person Filing:
Delaware Charter Guarantee & Trust Company dba Principal Trust Company as Trustee
for the Independent Bank Corporation Employee Stock Ownership Plan
1013 Centre Road
Wilmington, Delaware 19805
Citizenship:		Delaware
(d) Title of Class of Securities:				Common Stock, $1 par value
(e) CUSIP Number:				453838104
Item 3. If this statement is filed pursuant to Rule 13D-1(b) or 13D-2(b) or (c), check whether the
person filing is a:
(f) X   An employee benefit plan or endowment fund in accordance with Rule 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) The Independent Bank Corporation Employee Stock Ownership Plan (“Plan”) is subject to the Employee
Retirement Income Security Act of 1974 (“ERISA”). Delaware Charter Guarantee & Trust Company
dba Principal Trust Company acts as the Trustee of the Independent Bank Corporation Employee Stock
Ownership Plan Trust (“Trust”). As of December 31, 2008, the Trust held 1,282,836 shares of the Issuer's
common stock.  The securities reported include all shares held of record by the Trustee.  The Trustee follows the
directions of the Issuer and/or Plan participants with respect to voting and disposition of shares. The Trustee, however,
is subject to fiduciary duties under ERISA. The Trustee disclaims beneficial ownership of the shares of common stock
that are the subject of this Schedule 13G.
(b) The 1,282,836 shares of common stock represent 5.63% of the Issuer’s outstanding shares of common stock.  The
percent of class is based on shares outstanding as of December 31, 2008, as provided by the Issuer.

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CUSIP No. 453838104				13G/A		Page 4 of 5 Pages
(c) Number of shares as to which such person has:
(i)		Sole power to vote or direct the vote: 0
(ii)		Shared power to vote or direct the vote: 1,282,836
(iii)		Sole power to dispose or direct the disposition of: 0
(iv)		Shared power to dispose or direct the disposition of: 1,282,836
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
Not Applicable
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 having 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.

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CUSIP No. 453838104		13G/A		Page 5 of 5 Pages
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/  Kristin Camp
		Kristin Camp
		Manager, Trust Services
		January 26, 2009

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