UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: September 30, 1999
Check here if Amendment [ ]; Amendment Number:
This Amendment (Check Only one.): [ ] is a restatement.
[ ] adds new holdings entries.
Institutional Investment Manager Filing this Report
Name: THE TRUST COMPANY OF TOLEDO, NA
Address: 6135 TRUST DR SUITE 206
HOLLAND, OH 43528
13F File Number:1
The institutional investment manager filing this report and the
person by whom it is signed hereby represent that the person
signing the report is authorized to submit it, that all
information contained herein is true, correct and complete, and
that it is understood that all required items, statements,
schedules, lists, and tables, are considered integral parts of
this form.
Person Signing this Report on Behalf of Reporting Manager:
Name: LENORE PETERSON
Title: VICE PRESIDENT
Phone: 419-865-0366
Signature, Place, and Date Of Signing:
LENORE PETERSON HOLLAND OH September 30, 1999
Report Type (Check only one.):
[X] 13F HOLDINGS REPORT.
[ ] 13F NOTICE.
[ ] 13F COMBINATION REPORT.
List of Other Managers Reporting for this Manager:
I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE
ACT OF 1934.
<PAGE>
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 198
Form 13F Information Table Value Total: $246,451,673
List of Other Managers: NONE
<PAGE>
<TABLE>
<CAPTION>
13 F Report Of Managed Assets
Page 1
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Sh/
Investment Other Voting Authority
Name Of Issuer Type Cusip Market Value Shares/PV Prn
Discretion Managers Sole Shared None
================================================================================
====================================================
<S> <C> <C> <C> <C> <C>
<C> <C> <C>
AT & T CORP COMMON Com 001957109 22,316 513 SH
Sole 0 21,417 0 31,536
AT & T CORP COMMON Com 001957109 114,188 2,625 SH
Defined 0 0 0 0
AT & T CORP COMMON Com 001957109 2,166,909 49,814 SH
Other 0 0 0 0
AT&T CORP-LIBERTY MEDIA G Com 001957208 50,372 1,350 SH
Defined 0 72,473 0 34,580
AT&T CORP-LIBERTY MEDIA G Com 001957208 3,944,043 105,703 SH
Other 0 0 0 0
ABBOTT LABORATORIES Com 002824109 176,100 4,800 SH
Sole 0 13,500 0 21,900
ABBOTT LABORATORIES Com 002824109 319,181 8,700 SH
Defined 0 0 0 0
ABBOTT LABORATORIES Com 002824109 803,456 21,900 SH
Other 0 0 0 0
A C NIELSEN CORP COMMON Com 004833109 454 20 SH
Defined 0 18,520 0 0
A C NIELSEN CORP COMMON Com 004833109 419,719 18,500 SH
Other 0 0 0 0
AETNA INC (FKA ATENA LIFE Com 008117103 16,006 325 SH
Defined 0 325 0 5,600
AETNA INC (FKA ATENA LIFE Com 008117103 275,800 5,600 SH
Other 0 0 0 0
ALBERTSONS INC Com 013104104 1,124,841 28,432 SH
Other 0 0 0 28,432
ALCOA INC. Com 013817101 24,825 400 SH
Defined 0 400 0 11,300
ALCOA INC. Com 013817101 701,306 11,300 SH
Other 0 0 0 0
ADR ALCATEL ALSTHOM SPONS Com 013904305 244,200 8,800 SH
Other 0 0 0 8,800
ALLIED SIGNAL INC Com 019512102 57,061 952 SH
Sole 0 952 0 17,900
ALLIED SIGNAL INC Com 019512102 1,072,881 17,900 SH
Other 0 0 0 0
ALLSTATE CORP COMMON Com 020002101 17,157 688 SH
Defined 0 688 0 11,600
ALLSTATE CORP COMMON Com 020002101 289,275 11,600 SH
Other 0 0 0 0
AMBAC INC Com 023139108 1,222,275 25,800 SH
Other 0 0 0 25,800
AMERICAN ON-LINE Com 02364J104 2,081 20 SH
Defined 0 180 0 2,400
AMERICAN ON-LINE Com 02364J104 266,400 2,560 SH
Other 0 0 0 0
AMERICAN EXPRESS CO Com 025816108 1,525,500 11,300 SH
Other 0 400 0 10,900
AMERICAN HOME PRODUCTS Com 026609106 821,700 19,800 SH
Sole 0 27,025 0 37,000
AMERICAN HOME PRODUCTS Com 026609106 377,650 9,100 SH
Defined 0 0 0 0
AMERICAN HOME PRODUCTS Com 026609106 1,457,688 35,125 SH
Other 0 0 0 0
AMERICAN INTL GROUP INC Com 026874106 8,042 93 SH
Sole 0 20,200 0 7,000
AMERICAN INTL GROUP INC Com 026874106 41,078 473 SH
Defined 0 0 0 0
AMERICAN INTL GROUP INC Com 026874106 2,315,580 26,635 SH
Other 0 0 0 0
AMERITECH Com 030954101 411,714 6,168 SH
Sole 0 7,828 0 14,100
AMERITECH Com 030954101 110,805 1,660 SH
Defined 0 0 0 0
AMERITECH Com 030954101 941,175 14,100 SH
Other 0 0 0 0
AMGEN, INC. COM W/RTS Com 031162100 16,300 200 SH
Defined 0 900 0 6,300
AMGEN, INC. COM W/RTS Com 031162100 570,500 7,000 SH
Other 0 0 0 0
ANHEUSER-BUSCH COS Com 035229102 140,125 2,000 SH
Sole 0 2,200 0 2,500
ANHEUSER-BUSCH COS Com 035229102 14,013 200 SH
Defined 0 0 0 0
ANHEUSER-BUSCH COS Com 035229102 175,156 2,500 SH
Other 0 0 0 0
APPLIED PWR INC CL A Com 038225108 637,875 21,000 SH
Other 0 21,000 0 0
ATLANTIC RICHFIELD CO Com 048825102 17,725 200 SH
Sole 0 4,200 0 0
ATLANTIC RICHFIELD CO Com 048825102 221,563 2,500 SH
Defined 0 0 0 0
ATLANTIC RICHFIELD CO Com 048825102 132,938 1,500 SH
Other 0 0 0 0
AUTOMATIC DATA PROCESSING Com 053015103 571,200 12,800 SH
Sole 0 12,800 0 200
AUTOMATIC DATA PROCESSING Com 053015103 8,925 200 SH
Other 0 0 0 0
AUTOZONE INC Com 053332102 1,543,438 55,000 SH
Other 0 0 0 55,000
AVON PRODUCTS INC Com 054303102 312,638 12,600 SH
Other 0 0 0 12,600
BP AMOCO PLC SPONSORED AD Com 055622104 550,517 4,968 SH
Sole 0 8,010 0 730
BP AMOCO PLC SPONSORED AD Com 055622104 337,092 3,042 SH
Defined 0 0 0 0
BP AMOCO PLC SPONSORED AD Com 055622104 80,893 730 SH
Other 0 0 0 0
BMC SOFTWARE Com 055921100 2,848,188 39,800 SH
Other 0 11,500 0 28,300
BANKAMERICA CORPORATION Com 060505104 86,316 1,550 SH
Defined 0 1,550 0 16,665
BANKAMERICA CORPORATION Com 060505104 928,032 16,665 SH
Other 0 0 0 0
BANK NEW YORK, INC. Com 064057102 1,772,188 53,000 SH
Other 0 20,000 0 33,000
BANK ONE CORPORATION Com 06423A103 210,163 6,037 SH
Sole 0 12,963 0 13,490
BANK ONE CORPORATION Com 06423A103 236,342 6,789 SH
Defined 0 0 0 0
BANK ONE CORPORATION Com 06423A103 474,390 13,627 SH
Other 0 0 0 0
BAXTER INTL Com 071813108 6,025 100 SH
Defined 0 8,300 0 22,300
BAXTER INTL Com 071813108 1,837,625 30,500 SH
Other 0 0 0 0
BELL ATLANTIC CORP Com 077853108 204,293 3,035 SH
Sole 0 3,035 0 16,500
BELL ATLANTIC CORP Com 077853108 1,110,656 16,500 SH
Other 0 0 0 0
BELLSOUTH CORP Com 079860101 149,670 3,326 SH
Sole 0 5,326 0 1,800
BELLSOUTH CORP Com 079860101 36,000 800 SH
Defined 0 0 0 0
BELLSOUTH CORP Com 079860101 135,000 3,000 SH
Other 0 0 0 0
BIOMET INC. Com 090613100 368,375 14,000 SH
Other 0 0 0 14,000
BOB EVANS FARMS Com 096761101 338,653 16,621 SH
Sole 0 57,232 0 0
BOB EVANS FARMS Com 096761101 827,449 40,611 SH
Defined 0 0 0 0
BOEING CO Com 097023104 25,575 600 SH
Sole 0 1,600 0 7,500
BOEING CO Com 097023104 362,313 8,500 SH
Other 0 0 0 0
BOWATER INC Com 102183100 472,500 9,000 SH
Other 0 0 0 9,000
BRISTOL MYERS SQUIBB Com 110122108 12,208,253 180,863 SH
Sole 0 185,613 0 34,800
BRISTOL MYERS SQUIBB Com 110122108 131,625 1,950 SH
Defined 0 0 0 0
BRISTOL MYERS SQUIBB Com 110122108 2,538,000 37,600 SH
Other 0 0 0 0
CBS CORPORATION Com 12490K107 1,253,375 27,100 SH
Other 0 100 0 27,000
CAPITAL HOLDINGS INC COMM Com 14018R101 1,503,544 67,575 SH
Sole 0 531,568 0 4,128
CAPITAL HOLDINGS INC COMM Com 14018R101 10,285,864 462,286 SH
Defined 0 0 0 0
CAPITAL HOLDINGS INC COMM Com 14018R101 129,829 5,835 SH
Other 0 0 0 0
CARNIVAL CORP COMMON Com 143658102 2,114,100 48,600 SH
Other 0 18,000 0 30,600
CEDAR FAIR L.P. DEPOSITOR Com 150185106 186,750 9,000 SH
Defined 0 9,000 0 1,400
CEDAR FAIR L.P. DEPOSITOR Com 150185106 29,050 1,400 SH
Other 0 0 0 0
CENTRUM INDUSTRIES Com 15640H106 1,000 2,000 SH
Sole 0 2,000 0 174,653
CENTRUM INDUSTRIES Com 15640H106 87,327 174,653 SH
Other 0 0 0 0
CHASE MANHATTAN CORP NEW Com 16161A108 15,678 208 SH
Defined 0 208 0 10,600
CHASE MANHATTAN CORP NEW Com 16161A108 798,975 10,600 SH
Other 0 0 0 0
CHEVRON CORP Com 166751107 37,541 423 SH
Sole 0 2,289 0 9,000
CHEVRON CORP Com 166751107 149,633 1,686 SH
Defined 0 0 0 0
CHEVRON CORP Com 166751107 814,725 9,180 SH
Other 0 0 0 0
CIRCUIT CITY STORES Com 17273710 224,438 5,320 SH
Other 0 0 0 5,320
CISCO SYSTEMS, INC. Com 17275R102 212,544 3,100 SH
Sole 0 10,044 0 29,655
CISCO SYSTEMS, INC. Com 17275R102 2,509,319 36,599 SH
Other 0 0 0 0
CITIGROUP INC Com 172967101 2,057,000 46,750 SH
Other 0 300 0 46,450
CLAIRE'S STORES INC COMMO Com 179584107 662,500 40,000 SH
Other 0 40,000 0 0
COASTAL CORP Com 190441104 450,313 11,000 SH
Other 0 11,000 0 0
COCA COLA CO Com 191216109 86,657 1,796 SH
Sole 0 16,006 0 950
COCA COLA CO Com 191216109 685,633 14,210 SH
Defined 0 0 0 0
COCA COLA CO Com 191216109 45,838 950 SH
Other 0 0 0 0
COLGATE PALMOLIVE CO Com 194162102 924,150 20,200 SH
Other 0 2,600 0 17,600
COLUMBIA/HCA HEALTH Com 197677107 307,219 14,500 SH
Other 0 0 0 14,500
COMCAST CORP CL K Com 200300200 305,841 7,670 SH
Other 0 0 0 7,670
COMPAQ COMPUTER CORP Com 204493100 11,438 500 SH
Sole 0 11,700 0 14,700
COMPAQ COMPUTER CORP Com 204493100 240,188 10,500 SH
Defined 0 0 0 0
COMPAQ COMPUTER CORP Com 204493100 352,275 15,400 SH
Other 0 0 0 0
COMPUTER ASSOC INTL INC Com 204912108 1,509,788 24,700 SH
Other 0 0 0 24,700
COMPUTER SCIENCES CORP Com 205363104 21,094 300 SH
Sole 0 3,600 0 15,500
COMPUTER SCIENCES CORP Com 205363104 232,031 3,300 SH
Defined 0 0 0 0
COMPUTER SCIENCES CORP Com 205363104 1,089,844 15,500 SH
Other 0 0 0 0
CONOCO INC CL B Com 208251405 278,404 10,170 SH
Other 0 0 0 10,170
CONSOLIDATED EDISON INC. Com 209115104 232,400 5,600 SH
Other 0 0 0 5,600
CONVERGYS CORP Com 212485106 273,413 13,800 SH
Other 0 13,800 0 0
DQE INC. COMMON Com 23329J104 58,688 1,500 SH
Sole 0 1,500 0 4,500
DQE INC. COMMON Com 23329J104 176,063 4,500 SH
Other 0 0 0 0
DALLAS SEMICONDUCTOR CORP Com 235204104 1,068,750 20,000 SH
Other 0 20,000 0 0
DANA CORP Com 235811105 291,506 7,852 SH
Sole 0 7,852 0 0
DAYTON HUDSON CORP Com 239753106 36,038 600 SH
Defined 0 600 0 9,100
DAYTON HUDSON CORP Com 239753106 546,569 9,100 SH
Other 0 0 0 0
DIAGEO PLC SPONSORED ADR Com 25243Q205 8,951 216 SH
Defined 0 216 0 7,042
DIAGEO PLC SPONSORED ADR Com 25243Q205 291,803 7,042 SH
Other 0 0 0 0
WALT DISNEY CO Com 254687106 120,900 4,650 SH
Sole 0 10,600 0 13,550
WALT DISNEY CO Com 254687106 149,500 5,750 SH
Defined 0 0 0 0
WALT DISNEY CO Com 254687106 357,500 13,750 SH
Other 0 0 0 0
DU PONT DE NEMOURS EI CO Com 263534109 10,709 177 SH
Sole 0 1,067 0 8,144
DU PONT DE NEMOURS EI CO Com 263534109 41,745 690 SH
Defined 0 0 0 0
DU PONT DE NEMOURS EI CO Com 263534109 504,812 8,344 SH
Other 0 0 0 0
DUKE ENERGY CORP Com 264399105 33,075 600 SH
Sole 0 600 0 5,700
DUKE ENERGY CORP Com 264399105 314,213 5,700 SH
Other 0 0 0 0
DUN & BRADSTREET CORPORAT Com 26483B106 241,719 8,091 SH
Defined 0 9,291 0 0
DUN & BRADSTREET CORPORAT Com 26483B106 35,850 1,200 SH
Other 0 0 0 0
EMC CORPORATION Com 268648102 892,188 12,500 SH
Other 0 0 0 12,500
EASTMAN KODAK CO Com 277461109 10,663 141 SH
Sole 0 1,860 0 5,200
EASTMAN KODAK CO Com 277461109 114,874 1,519 SH
Defined 0 0 0 0
EASTMAN KODAK CO Com 277461109 408,375 5,400 SH
Other 0 0 0 0
EMERSON ELEC CO Com 291011103 180,211 2,852 SH
Sole 0 19,494 0 21,400
EMERSON ELEC CO Com 291011103 293,316 4,642 SH
Defined 0 0 0 0
EMERSON ELEC CO Com 291011103 2,110,463 33,400 SH
Other 0 0 0 0
ENRON CORP Com 293561105 607,725 14,800 SH
Other 0 2,800 0 12,000
ENTERGY CORP Com 29364G103 318,313 11,000 SH
Other 0 0 0 11,000
EXXON CORP Com 302290101 1,471,664 19,364 SH
Sole 0 30,478 0 1,120
EXXON CORP Com 302290101 792,984 10,434 SH
Defined 0 0 0 0
EXXON CORP Com 302290101 136,800 1,800 SH
Other 0 0 0 0
FPL GROUP INC Com 302571104 20,150 400 SH
Sole 0 400 0 6,400
FPL GROUP INC Com 302571104 322,400 6,400 SH
Other 0 0 0 0
FEDERAL HOME LOAN MORTGAG Com 313400301 1,648,400 31,700 SH
Other 0 11,500 0 20,200
FEDERAL NATIONAL MORTGAGE Com 313586109 463,888 7,400 SH
Defined 0 16,400 0 25,800
FEDERAL NATIONAL MORTGAGE Com 313586109 2,181,525 34,800 SH
Other 0 0 0 0
FEDERATED DEPT STORES INC Com 31410H101 340,763 7,800 SH
Other 0 0 0 7,800
FIFTH THIRD BANCORP, COMM Com 316773100 629,429 10,345 SH
Sole 0 72,680 0 0
FIFTH THIRD BANCORP, COMM Com 316773100 3,792,695 62,335 SH
Defined 0 0 0 0
FIRST DATA CORP. Com 319963104 668,655 15,240 SH
Other 0 0 0 15,240
FIRST UNION CORP Com 33735810 17,314 486 SH
Sole 0 636 0 13,000
FIRST UNION CORP Com 33735810 468,469 13,150 SH
Other 0 0 0 0
FIRSTAR CORP - NEW Com 33763V109 230,625 9,000 SH
Sole 0 31,078 0 0
FIRSTAR CORP - NEW Com 33763V109 335,122 13,078 SH
Defined 0 0 0 0
FIRSTAR CORP - NEW Com 33763V109 230,625 9,000 SH
Other 0 0 0 0
FLEET FINANCIAL GROUP INC Com 338915101 73,250 2,000 SH
Sole 0 2,000 0 14,900
FLEET FINANCIAL GROUP INC Com 338915101 545,713 14,900 SH
Other 0 0 0 0
FUTURA BANC CORP Com 36113R108 189,216 10,512 SH
Defined 0 10,512 0 0
GATX CORP COMMON Com 361448103 621,250 20,000 SH
Other 0 20,000 0 0
GTE CORP Com 362320103 46,125 600 SH
Sole 0 1,306 0 19,700
GTE CORP Com 362320103 44,280 576 SH
Defined 0 0 0 0
GTE CORP Com 362320103 1,524,431 19,830 SH
Other 0 0 0 0
GENERAL CABLE CORP Com 369300108 960,000 80,000 SH
Other 0 80,000 0 0
GENERAL DYNAMICS CORP Com 369550108 349,650 5,600 SH
Other 0 0 0 5,600
GENERAL ELECTRIC CO Com 369604103 1,736,822 14,649 SH
Sole 0 39,027 0 20,700
GENERAL ELECTRIC CO Com 369604103 1,683,588 14,200 SH
Defined 0 0 0 0
GENERAL ELECTRIC CO Com 369604103 3,660,973 30,878 SH
Other 0 0 0 0
GENERAL MILLS INC Com 370334104 1,030,288 12,700 SH
Other 0 0 0 12,700
GENERAL MOTORS CORP Com 370442105 57,965 921 SH
Sole 0 1,201 0 14,200
GENERAL MOTORS CORP Com 370442105 6,294 100 SH
Defined 0 0 0 0
GENERAL MOTORS CORP Com 370442105 905,041 14,380 SH
Other 0 0 0 0
GILLETTE CO Com 375766102 78,056 2,300 SH
Sole 0 3,210 0 38,500
GILLETTE CO Com 375766102 1,337,477 39,410 SH
Other 0 0 0 0
GROUP MAINTENANCE AMERICA Com 39943E107 3,874,600 309,968 SH
Defined 0 310,068 0 0
GROUP MAINTENANCE AMERICA Com 39943E107 1,250 100 SH
Other 0 0 0 0
HALLIBURTON CO Com 406216101 4,100 100 SH
Sole 0 100 0 34,000
HALLIBURTON CO Com 406216101 1,394,000 34,000 SH
Other 0 0 0 0
HARCOURT GENERAL INC. COM Com 41163G101 1,227,938 29,500 SH
Other 0 0 0 29,500
HARTFORD FINANCIAL SERVIC Com 416515104 16,350 400 SH
Defined 0 400 0 12,300
HARTFORD FINANCIAL SERVIC Com 416515104 502,763 12,300 SH
Other 0 0 0 0
HAYES LEMMERZ INTERNATION Com 420781106 215,853 9,284 SH
Defined 0 9,284 0 0
HAYES WHEELS INT'L WARRAN Com 421124WTS 0 13,463 SH
Defined 0 13,463 0 0
HEALTH CARE REIT Com 42217K106 441,580 22,079 SH
Sole 0 24,029 0 0
HEALTH CARE REIT Com 42217K106 9,000 450 SH
Defined 0 0 0 0
HEALTH CARE REIT Com 42217K106 30,000 1,500 SH
Other 0 0 0 0
HEALTH CARE REIT PFD 8.87 Pfd 42217K205 222,300 11,400 SH
Sole 0 10,800 0 1,000
HEALTH CARE REIT PFD 8.87 Pfd 42217K205 7,800 400 SH
Other 0 0 0 0
ADR HEINEKEN NV NETH Com 423012202 221,321 4,450 SH
Other 0 0 0 4,450
HEINZ H J CO Com 423074103 19,350 450 SH
Sole 0 450 0 26,350
HEINZ H J CO Com 423074103 1,133,050 26,350 SH
Other 0 0 0 0
HERSHEY FOODS CORP Com 427866107 228,831 4,700 SH
Other 0 0 0 4,700
HEWLETT PACKARD CO Com 428236103 340,313 3,750 SH
Sole 0 8,700 0 9,900
HEWLETT PACKARD CO Com 428236103 449,213 4,950 SH
Defined 0 0 0 0
HEWLETT PACKARD CO Com 428236103 898,425 9,900 SH
Other 0 0 0 0
HOME DEPOT INC Com 437076102 27,450 400 SH
Defined 0 10,650 0 3,898
HOME DEPOT INC Com 437076102 970,907 14,148 SH
Other 0 0 0 0
HONEYWELL INC Com 438506107 221,623 1,991 SH
Defined 0 1,991 0 0
HUNTINGTON BANCSHARES INC Com 446150104 201,875 7,600 SH
Sole 0 9,064 0 709
HUNTINGTON BANCSHARES INC Com 446150104 38,888 1,464 SH
Defined 0 0 0 0
HUNTINGTON BANCSHARES INC Com 446150104 18,833 709 SH
Other 0 0 0 0
IMS HEALTH INCORPORATED Com 449934108 283,331 12,420 SH
Defined 0 32,920 0 0
IMS HEALTH INCORPORATED Com 449934108 467,656 20,500 SH
Other 0 0 0 0
ILLINOIS TOOL WORKS INC Com 452308108 116,765 1,566 SH
Sole 0 1,566 0 4,300
ILLINOIS TOOL WORKS INC Com 452308108 320,619 4,300 SH
Other 0 0 0 0
INGERSOLL RAND CO Com 456866101 499,931 9,100 SH
Other 0 0 0 9,100
INTEL CORP Com 458140100 505,325 6,800 SH
Sole 0 39,460 0 33,800
INTEL CORP Com 458140100 1,768,638 23,800 SH
Defined 0 0 0 0
INTEL CORP Com 458140100 3,170,171 42,660 SH
Other 0 0 0 0
INTL BUSINESS MACHINES CO Com 459200101 242,000 2,000 SH
Sole 0 15,600 0 15,800
INTL BUSINESS MACHINES CO Com 459200101 508,200 4,200 SH
Defined 0 0 0 0
INTL BUSINESS MACHINES CO Com 459200101 3,049,200 25,200 SH
Other 0 0 0 0
INTL PAPER CO Com 460146103 19,225 400 SH
Sole 0 400 0 15,400
INTL PAPER CO Com 460146103 740,163 15,400 SH
Other 0 0 0 0
JOHNSON & JOHNSON Com 478160104 896,792 9,761 SH
Sole 0 12,286 0 17,200
JOHNSON & JOHNSON Com 478160104 130,922 1,425 SH
Defined 0 0 0 0
JOHNSON & JOHNSON Com 478160104 1,681,313 18,300 SH
Other 0 0 0 0
KENNAMETAL INC. Com 489170100 284,625 11,000 SH
Other 0 0 0 11,000
KEYCORP NEW COMMON STOCK Com 493267108 613,202 23,756 SH
Sole 0 83,316 0 64,359
KEYCORP NEW COMMON STOCK Com 493267108 1,502,442 58,206 SH
Defined 0 0 0 0
KEYCORP NEW COMMON STOCK Com 493267108 1,696,217 65,713 SH
Other 0 0 0 0
KIMBERLY CLARK CORP Com 494368101 94,950 1,800 SH
Sole 0 2,900 0 7,248
KIMBERLY CLARK CORP Com 494368101 440,357 8,348 SH
Other 0 0 0 0
LILLY ELI & CO Com 532457108 340,194 5,300 SH
Sole 0 7,000 0 6,300
LILLY ELI & CO Com 532457108 51,350 800 SH
Defined 0 0 0 0
LILLY ELI & CO Com 532457108 462,150 7,200 SH
Other 0 0 0 0
LINCOLN NATIONAL CORP IND Com 534187109 7,513 200 SH
Defined 0 200 0 6,000
LINCOLN NATIONAL CORP IND Com 534187109 225,375 6,000 SH
Other 0 0 0 0
LOWES COMPANIES INC Com 548661107 728,325 14,940 SH
Other 0 14,000 0 940
LUCENT TECHNOLOGIES INC Com 549463107 128,712 1,984 SH
Sole 0 8,116 0 9,841
LUCENT TECHNOLOGIES INC Com 549463107 397,814 6,132 SH
Defined 0 0 0 0
LUCENT TECHNOLOGIES INC Com 549463107 638,435 9,841 SH
Other 0 0 0 0
MCI WORLDCOM INC. Com 55268B106 64,688 900 SH
Sole 0 2,461 0 26,949
MCI WORLDCOM INC. Com 55268B106 31,338 436 SH
Defined 0 0 0 0
MCI WORLDCOM INC. Com 55268B106 2,017,819 28,074 SH
Other 0 0 0 0
HCR MANOR CARE Com 564055101 36,816 2,142 SH
Sole 0 13,242 0 2,400
HCR MANOR CARE Com 564055101 183,906 10,700 SH
Defined 0 0 0 0
HCR MANOR CARE Com 564055101 48,125 2,800 SH
Other 0 0 0 0
MARSH & MCLENNAN CO INC Com 571748101 924,750 13,500 SH
Other 0 9,400 0 4,100
MCCORMICK & CO INC. Com 579780206 727,375 22,000 SH
Other 0 22,000 0 0
MCDONALDS CORP Com 580135100 337,350 7,800 SH
Sole 0 13,000 0 54,900
MCDONALDS CORP Com 580135100 224,900 5,200 SH
Defined 0 0 0 0
MCDONALDS CORP Com 580135100 2,374,425 54,900 SH
Other 0 0 0 0
MEAD CORPORATION Com 582834105 3,937,313 114,540 SH
Defined 0 0 0 116,040
MEAD CORPORATION Com 582834105 51,563 1,500 SH
Other 0 0 0 0
MEDTRONIC INC Com 585055105 384,075 10,800 SH
Other 0 0 0 10,800
MELLON BANK CORP Com 585509100 100,875 3,000 SH
Defined 0 3,000 0 17,330
MELLON BANK CORP Com 585509100 582,721 17,330 SH
Other 0 0 0 0
MERCK & CO INC Com 589331106 737,113 11,373 SH
Sole 0 30,689 0 16,450
MERCK & CO INC Com 589331106 562,313 8,676 SH
Defined 0 0 0 0
MERCK & CO INC Com 589331106 1,755,771 27,090 SH
Other 0 0 0 0
MICROSOFT CORP COMMON Com 594918104 1,264,253 13,960 SH
Sole 0 65,299 0 28,918
MICROSOFT CORP COMMON Com 594918104 1,517,828 16,760 SH
Defined 0 0 0 0
MICROSOFT CORP COMMON Com 594918104 5,750,447 63,497 SH
Other 0 0 0 0
MINNESOTA MINING & MFG Com 604059104 181,750 1,892 SH
Sole 0 2,617 0 4,000
MINNESOTA MINING & MFG Com 604059104 88,858 925 SH
Defined 0 0 0 0
MINNESOTA MINING & MFG Com 604059104 365,038 3,800 SH
Other 0 0 0 0
MOBIL CORP Com 607059101 509,392 5,056 SH
Sole 0 5,881 0 8,850
MOBIL CORP Com 607059101 42,819 425 SH
Defined 0 0 0 0
MOBIL CORP Com 607059101 931,938 9,250 SH
Other 0 0 0 0
MORGAN STANLEY, DEAN WITT Com 617446448 117,728 1,320 SH
Defined 0 1,320 0 4,600
MORGAN STANLEY, DEAN WITT Com 617446448 410,263 4,600 SH
Other 0 0 0 0
MOTOROLA INC Com 620076109 13,200 150 SH
Defined 0 750 0 11,800
MOTOROLA INC Com 620076109 1,091,200 12,400 SH
Other 0 0 0 0
NATIONAL CITY CORP Com 635405103 4,570,128 171,246 SH
Sole 0 196,614 0 13,340
NATIONAL CITY CORP Com 635405103 89,884 3,368 SH
Defined 0 0 0 0
NATIONAL CITY CORP Com 635405103 943,136 35,340 SH
Other 0 0 0 0
NEW YORK TIMES CO CL A Com 650111107 431,250 11,500 SH
Other 0 0 0 11,500
NEWELL RUBBERMAID INC Com 651229106 130,531 4,570 SH
Sole 0 5,870 0 12,236
NEWELL RUBBERMAID INC Com 651229106 14,281 500 SH
Defined 0 0 0 0
NEWELL RUBBERMAID INC Com 651229106 372,341 13,036 SH
Other 0 0 0 0
NEXTEL COMMUNICATIONS INC Com 65332V103 1,403,719 20,700 SH
Other 0 20,700 0 0
NIELSEN MEDIA RESEARCH NE Com 653929307 73,854 1,986 SH
Defined 0 33,518 0 1
NIELSEN MEDIA RESEARCH NE Com 653929307 1,172,633 31,533 SH
Other 0 0 0 0
OFFICE DEPOT INC COMMON Com 676220106 239,001 22,762 SH
Other 0 0 0 22,762
ORACLE CORPORATION (AKA O Com 68389X10 1,904,175 41,850 SH
Other 0 0 0 41,850
OWENS-ILLINOIS, INC. COMM Com 690768403 5,521,308 278,678 SH
Defined 0 278,678 0 600
OWENS-ILLINOIS, INC. COMM Com 690768403 11,888 600 SH
Other 0 0 0 0
PMC SIERRA INC Com 69344F106 277,500 3,000 SH
Sole 0 3,000 0 0
PPG IND INC Com 693506106 300,000 5,000 SH
Other 0 0 0 5,000
PEPSICO INC Com 713448107 54,900 1,800 SH
Sole 0 11,850 0 60,900
PEPSICO INC Com 713448107 439,200 14,400 SH
Defined 0 0 0 0
PEPSICO INC Com 713448107 1,724,775 56,550 SH
Other 0 0 0 0
PETE GEO SVCADR Com 716597109 518,500 27,200 SH
Other 0 27,200 0 0
PFIZER INC Com 717081103 371,306 10,350 SH
Sole 0 18,908 0 56,250
PFIZER INC Com 717081103 290,875 8,108 SH
Defined 0 0 0 0
PFIZER INC Com 717081103 2,034,113 56,700 SH
Other 0 0 0 0
PHILIP MORRIS COS INC Com 718154107 353,054 10,327 SH
Sole 0 10,802 0 55,200
PHILIP MORRIS COS INC Com 718154107 1,903,389 55,675 SH
Other 0 0 0 0
PITNEY BOWES Com 724479109 6,094 100 SH
Sole 0 100 0 5,550
PITNEY BOWES Com 724479109 338,203 5,550 SH
Other 0 0 0 0
PROCTER & GAMBLE CO Com 742718108 262,500 2,800 SH
Sole 0 3,885 0 8,200
PROCTER & GAMBLE CO Com 742718108 93,750 1,000 SH
Defined 0 0 0 0
PROCTER & GAMBLE CO Com 742718108 776,719 8,285 SH
Other 0 0 0 0
PROVIDIAN FINANCIAL CORP Com 74406A102 71,269 900 SH
Sole 0 900 0 16,130
PROVIDIAN FINANCIAL CORP Com 74406A102 1,277,294 16,130 SH
Other 0 0 0 0
RALSTON-RALSTON PURINA GR Com 751277302 83,625 3,000 SH
Sole 0 3,000 0 16,150
RALSTON-RALSTON PURINA GR Com 751277302 450,181 16,150 SH
Other 0 0 0 0
RAYTHEON CO CLASS A Com 755111309 214,904 4,431 SH
Other 0 0 0 4,431
RELIANT ENERGY Com 75952J108 270,625 10,000 SH
Other 0 0 0 10,000
ROYAL DUTCH PETROLEUM 1. Com 780257804 23,625 400 SH
Sole 0 5,700 0 0
ROYAL DUTCH PETROLEUM 1. Com 780257804 265,781 4,500 SH
Defined 0 0 0 0
ROYAL DUTCH PETROLEUM 1. Com 780257804 47,250 800 SH
Other 0 0 0 0
SBC COMMUNICATIONS INC. Com 78387G103 34,876 683 SH
Sole 0 10,267 0 7,500
SBC COMMUNICATIONS INC. Com 78387G103 29,821 584 SH
Defined 0 0 0 0
SBC COMMUNICATIONS INC. Com 78387G103 842,531 16,500 SH
Other 0 0 0 0
SARA LEE CORP Com 803111103 18,700 800 SH
Sole 0 800 0 53,500
SARA LEE CORP Com 803111103 1,250,563 53,500 SH
Other 0 0 0 0
SCHERING-PLOUGH CORP Com 806605101 359,819 8,248 SH
Sole 0 21,507 0 765
SCHERING-PLOUGH CORP Com 806605101 555,521 12,734 SH
Defined 0 0 0 0
SCHERING-PLOUGH CORP Com 806605101 56,276 1,290 SH
Other 0 0 0 0
SCHLUMBERGER LTD Com 806857107 37,388 600 SH
Sole 0 1,400 0 7,200
SCHLUMBERGER LTD Com 806857107 498,500 8,000 SH
Other 0 0 0 0
SKY FINANCIAL GROUP INC Com 83080P103 483,466 20,573 SH
Sole 0 33,142 0 988
SKY FINANCIAL GROUP INC Com 83080P103 295,372 12,569 SH
Defined 0 0 0 0
SKY FINANCIAL GROUP INC Com 83080P103 23,218 988 SH
Other 0 0 0 0
SMITHKLINE BEECHAM ADR UT Com 832378301 92,200 1,600 SH
Sole 0 1,600 0 6,500
SMITHKLINE BEECHAM ADR UT Com 832378301 374,563 6,500 SH
Other 0 0 0 0
SONAT INC Com 835415100 184,150 4,640 SH
Defined 0 7,440 0 0
SONAT INC Com 835415100 111,125 2,800 SH
Other 0 0 0 0
SOUTHERN CO Com 842587107 10,300 400 SH
Sole 0 400 0 9,600
SOUTHERN CO Com 842587107 247,200 9,600 SH
Other 0 0 0 0
STERLING COMMERCE INC Com 859205106 275,022 14,816 SH
Other 0 14,816 0 0
STERLING SOFTWARE INC Com 859547101 604,000 30,200 SH
Other 0 30,200 0 0
SUN MICROSYSTEMS W/RTS EX Com 866810104 18,600 200 SH
Sole 0 200 0 4,500
SUN MICROSYSTEMS W/RTS EX Com 866810104 418,500 4,500 SH
Other 0 0 0 0
SUNDANCE RESOURCES INC PR Pfd 867264913 0 12,500 SH
Other 0 12,500 0 0
SUPERVALU INC Com 868536103 999,740 45,314 SH
Other 0 45,314 0 0
TEXACO INC Com 881694102 25,250 400 SH
Sole 0 4,110 0 17,400
TEXACO INC Com 881694102 176,750 2,800 SH
Defined 0 0 0 0
TEXACO INC Com 881694102 1,155,819 18,310 SH
Other 0 0 0 0
TEXAS INSTRUMENTS INC Com 882508102 1,036,350 12,600 SH
Other 0 8,000 0 4,600
TEXTRON INC Com 883203100 7,738 100 SH
Defined 0 100 0 4,000
TEXTRON INC Com 883203100 309,500 4,000 SH
Other 0 0 0 0
TIME WARNER INC COM Com 887315109 1,184,625 19,500 SH
Other 0 1,000 0 18,500
TOYS-R-US INC Com 892335109 172,500 11,500 SH
Other 0 0 0 11,500
TRIBUNE CO Com 896047106 298,500 6,000 SH
Other 0 0 0 6,000
TYCO INTNERNATIONAL Com 902124106 2,307,844 22,352 SH
Other 0 0 0 22,352
USX-MARATHON GROUP Com 902905827 2,925 100 SH
Sole 0 10,500 0 10,000
USX-MARATHON GROUP Com 902905827 596,700 20,400 SH
Other 0 0 0 0
UNILEVER NV ADR (NEW) Com 904784709 1,381,916 20,285 SH
Other 0 0 0 20,285
UNITED TECHNOLOGIES CORP Com 913017109 23,725 400 SH
Sole 0 800 0 9,200
UNITED TECHNOLOGIES CORP Com 913017109 23,725 400 SH
Defined 0 0 0 0
UNITED TECHNOLOGIES CORP Com 913017109 545,675 9,200 SH
Other 0 0 0 0
UNOCAL CORP Com 915289101 277,969 7,500 SH
Other 0 0 0 7,500
VIP COMLINK Com 918239104 150 150,000 SH
Other 0 150,000 0 0
VIAD CORP Com 92552R109 607,700 20,600 SH
Other 0 20,600 0 0
VODAFONE AIRTOUCH PLC Com 92857T107 47,550 200 SH
Sole 0 10,797 0 0
VODAFONE AIRTOUCH PLC Com 92857T107 213,262 897 SH
Defined 0 0 0 0
VODAFONE AIRTOUCH PLC Com 92857T107 2,306,175 9,700 SH
Other 0 0 0 0
WAL-MART STORES INC Com 931142103 205,185 4,314 SH
Sole 0 5,114 0 1,600
WAL-MART STORES INC Com 931142103 28,538 600 SH
Defined 0 0 0 0
WAL-MART STORES INC Com 931142103 85,613 1,800 SH
Other 0 0 0 0
WALGREEN CO Com 931422109 162,400 6,400 SH
Sole 0 6,600 0 10,000
WALGREEN CO Com 931422109 5,075 200 SH
Defined 0 0 0 0
WALGREEN CO Com 931422109 253,750 10,000 SH
Other 0 0 0 0
WARNER LAMBERT CO Com 934488106 268,819 4,050 SH
Sole 0 6,760 0 1,189
WARNER LAMBERT CO Com 934488106 179,876 2,710 SH
Defined 0 0 0 0
WARNER LAMBERT CO Com 934488106 78,920 1,189 SH
Other 0 0 0 0
WASHINGTON MUTUAL INC. Com 939322103 7,371 252 SH
Defined 0 252 0 21,100
WASHINGTON MUTUAL INC. Com 939322103 617,175 21,100 SH
Other 0 0 0 0
WELLS FARGO & CO NEW Com 949746101 99,063 2,500 SH
Defined 0 19,500 0 7,500
WELLS FARGO & CO NEW Com 949746101 970,813 24,500 SH
Other 0 0 0 0
XEROX CORP Com 984121102 327,113 7,800 SH
Other 0 0 0 7,800
YAHOO INC Com 984332106 314,125 1,750 SH
Other 0 1,250 0 500
CATAWBA INVESTMENT COMPAN Com 9M013900 6,753,138 1,022 SH
Sole 0 1,022 0 0
PRO AIR INC SERIES A PREF Pfd 9M02410A 150,000 50,000 SH
Defined 0 50,000 0 0
PRO AIR INC. SERIES B PRE Pfd 9M02410B 50,001 16,667 SH
Defined 0 16,667 0 0
CAVISTA CORP. PFD. SERIES Pfd 9M025900 150,000 150 SH
Defined 0 260 0 0
CAVISTA CORP. PFD. SERIES Pfd 9M025900 110,000 110 SH
Other 0 0 0 0
VIRXSYS CORPORATION SERIE Pfd 9M029800 50,000 80,000 SH
Defined 0 80,000 0 0
CORA HEALTH SERVICES CONV Pfd 9M032700 93,148 93,148 SH
Defined 0 93,148 0 0
CORA HEALTH SERV SER B PF Com 9M0327WTS 0 46,574 SH
Defined 0 46,574 0 0
DAIMLER CHRYSLER AG Com D1668R123 17,915 258 SH
Sole 0 19,550 0 0
DAIMLER CHRYSLER AG Com D1668R123 1,339,588 19,292 SH
Defined 0 0 0 0
MILLICOM INTL CELLULAR SA Com L6388F102 258,781 9,100 SH
Other 0 9,100 0 0
</TABLE>
