UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: June 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: 419-865-3066
Signature, Place, and Date Of Signing:
LENORE PETERSON HOLLAND OH June 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: 204
Form 13F Information Table Value Total: $270,097,125
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 28,632 513 SH
Sole 0 21,417 0 31,536
AT & T CORP COMMON Com 001957109 146,508 2,625 SH
Defined 0 0 0 0
AT & T CORP COMMON Com 001957109 2,780,244 49,814 SH
Other 0 0 0 0
AT&T CORP-LIBERTY MEDIA G Com 001957208 3,788,852 103,098 SH
Other 0 71,098 0 32,000
ABBOTT LABORATORIES Com 002824109 145,200 3,200 SH
Sole 0 14,900 0 8,300
ABBOTT LABORATORIES Com 002824109 394,763 8,700 SH
Defined 0 0 0 0
ABBOTT LABORATORIES Com 002824109 512,738 11,300 SH
Other 0 0 0 0
AETNA INC (FKA ATENA LIFE Com 008117103 29,067 325 SH
Defined 0 325 0 5,600
AETNA INC (FKA ATENA LIFE Com 008117103 500,850 5,600 SH
Other 0 0 0 0
ALBERTSONS INC Com 013104104 1,661,963 32,232 SH
Other 0 0 0 32,232
ALCOA INC. Com 013817101 24,750 400 SH
Defined 0 400 0 11,400
ALCOA INC. Com 013817101 705,375 11,400 SH
Other 0 0 0 0
ALLIED SIGNAL INC Com 019512102 59,976 952 SH
Sole 0 952 0 23,900
ALLIED SIGNAL INC Com 019512102 1,505,700 23,900 SH
Other 0 0 0 0
ALLSTATE CORP COMMON Com 020002101 24,682 688 SH
Defined 0 688 0 11,600
ALLSTATE CORP COMMON Com 020002101 416,150 11,600 SH
Other 0 0 0 0
AMBAC INC Com 023139108 1,542,375 27,000 SH
Other 0 0 0 27,000
AMERICAN ON-LINE Com 02364J104 2,200 20 SH
Defined 0 180 0 2,400
AMERICAN ON-LINE Com 02364J104 281,600 2,560 SH
Other 0 0 0 0
AMERICAN EXPRESS CO Com 025816108 2,042,963 15,700 SH
Other 0 400 0 15,300
AMERICAN HOME PRODUCTS Com 026609106 1,124,550 19,600 SH
Sole 0 26,825 0 35,000
AMERICAN HOME PRODUCTS Com 026609106 522,113 9,100 SH
Defined 0 0 0 0
AMERICAN HOME PRODUCTS Com 026609106 1,900,547 33,125 SH
Other 0 0 0 0
AMERICAN INTL GROUP INC Com 026874106 8,677 74 SH
Sole 0 16,160 0 7,200
AMERICAN INTL GROUP INC Com 026874106 44,321 378 SH
Defined 0 0 0 0
AMERICAN INTL GROUP INC Com 026874106 2,685,963 22,908 SH
Other 0 0 0 0
AMERITECH Com 030954101 453,348 6,168 SH
Sole 0 7,828 0 14,100
AMERITECH Com 030954101 122,010 1,660 SH
Defined 0 0 0 0
AMERITECH Com 030954101 1,036,350 14,100 SH
Other 0 0 0 0
AMGEN, INC. COM W/RTS Com 031162100 24,350 400 SH
Defined 0 1,100 0 6,300
AMGEN, INC. COM W/RTS Com 031162100 426,125 7,000 SH
Other 0 0 0 0
ANHEUSER-BUSCH COS Com 035229102 141,875 2,000 SH
Sole 0 2,200 0 2,500
ANHEUSER-BUSCH COS Com 035229102 14,188 200 SH
Defined 0 0 0 0
ANHEUSER-BUSCH COS Com 035229102 177,344 2,500 SH
Other 0 0 0 0
APPLIED PWR INC CL A Com 038225108 573,563 21,000 SH
Other 0 21,000 0 0
ATLANTIC RICHFIELD CO Com 048825102 16,713 200 SH
Sole 0 4,200 0 0
ATLANTIC RICHFIELD CO Com 048825102 208,906 2,500 SH
Defined 0 0 0 0
ATLANTIC RICHFIELD CO Com 048825102 125,344 1,500 SH
Other 0 0 0 0
AUTOMATIC DATA PROCESSING Com 053015103 563,200 12,800 SH
Sole 0 12,800 0 200
AUTOMATIC DATA PROCESSING Com 053015103 8,800 200 SH
Other 0 0 0 0
AUTOZONE INC Com 053332102 1,506,250 50,000 SH
Other 0 0 0 50,000
AVON PRODUCTS INC Com 054303102 588,300 10,600 SH
Other 0 0 0 10,600
BP AMOCO PLC SPONSORED AD Com 055622104 539,028 4,968 SH
Sole 0 8,010 0 730
BP AMOCO PLC SPONSORED AD Com 055622104 330,057 3,042 SH
Defined 0 0 0 0
BP AMOCO PLC SPONSORED AD Com 055622104 79,205 730 SH
Other 0 0 0 0
BMC SOFTWARE Com 055921100 2,943,000 54,500 SH
Other 0 11,500 0 43,000
BAKER HUGHES INC Com 057224107 303,510 9,060 SH
Other 0 0 0 9,060
BANKAMERICA CORPORATION Com 060505104 113,634 1,550 SH
Defined 0 1,550 0 18,665
BANKAMERICA CORPORATION Com 060505104 1,368,378 18,665 SH
Other 0 0 0 0
BANK NEW YORK, INC. Com 064057102 1,944,438 53,000 SH
Other 0 20,000 0 33,000
BANK ONE CORPORATION Com 06423A103 359,579 6,037 SH
Sole 0 12,963 0 10,490
BANK ONE CORPORATION Com 06423A103 404,370 6,789 SH
Defined 0 0 0 0
BANK ONE CORPORATION Com 06423A103 632,971 10,627 SH
Other 0 0 0 0
BAXTER INTL Com 071813108 6,063 100 SH
Defined 0 8,750 0 21,400
BAXTER INTL Com 071813108 1,821,781 30,050 SH
Other 0 0 0 0
BELL ATLANTIC CORP Com 077853108 198,413 3,035 SH
Sole 0 3,035 0 16,500
BELL ATLANTIC CORP Com 077853108 1,078,688 16,500 SH
Other 0 0 0 0
BELLSOUTH CORP Com 079860101 153,412 3,326 SH
Sole 0 5,326 0 1,800
BELLSOUTH CORP Com 079860101 36,900 800 SH
Defined 0 0 0 0
BELLSOUTH CORP Com 079860101 138,375 3,000 SH
Other 0 0 0 0
BIOMET INC. Com 090613100 318,000 8,000 SH
Other 0 0 0 8,000
BOB EVANS FARMS Com 096761101 330,342 16,621 SH
Sole 0 57,232 0 0
BOB EVANS FARMS Com 096761101 807,144 40,611 SH
Defined 0 0 0 0
BOEING CO Com 097023104 26,400 600 SH
Sole 0 1,600 0 7,500
BOEING CO Com 097023104 374,000 8,500 SH
Other 0 0 0 0
BOWATER INC Com 102183100 426,375 9,000 SH
Other 0 0 0 9,000
BRISTOL MYERS SQUIBB Com 110122108 13,077,638 185,663 SH
Sole 0 190,413 0 34,800
BRISTOL MYERS SQUIBB Com 110122108 137,353 1,950 SH
Defined 0 0 0 0
BRISTOL MYERS SQUIBB Com 110122108 2,648,450 37,600 SH
Other 0 0 0 0
CBS CORPORATION Com 12490K107 1,921,106 44,100 SH
Other 0 100 0 44,000
CAPITAL HOLDINGS INC COMM Com 14018R101 1,419,075 22,525 SH
Sole 0 172,495 0 1,376
CAPITAL HOLDINGS INC COMM Com 14018R101 9,412,263 149,401 SH
Defined 0 0 0 0
CAPITAL HOLDINGS INC COMM Com 14018R101 122,535 1,945 SH
Other 0 0 0 0
CARNIVAL CORP COMMON Com 143658102 2,357,100 48,600 SH
Other 0 18,000 0 30,600
CEDAR FAIR L.P. DEPOSITOR Com 150185106 224,438 9,000 SH
Defined 0 11,000 0 1,400
CEDAR FAIR L.P. DEPOSITOR Com 150185106 84,788 3,400 SH
Other 0 0 0 0
CENTRUM INDUSTRIES Com 15640H106 1,750 2,000 SH
Sole 0 2,000 0 174,653
CENTRUM INDUSTRIES Com 15640H106 152,821 174,653 SH
Other 0 0 0 0
CHASE MANHATTAN CORP NEW Com 16161A108 17,992 208 SH
Defined 0 208 0 13,600
CHASE MANHATTAN CORP NEW Com 16161A108 1,176,400 13,600 SH
Other 0 0 0 0
CHEVRON CORP Com 166751107 28,519 300 SH
Sole 0 2,166 0 7,200
CHEVRON CORP Com 166751107 160,275 1,686 SH
Defined 0 0 0 0
CHEVRON CORP Com 166751107 701,561 7,380 SH
Other 0 0 0 0
CIRCUIT CITY STORES Com 17273710 368,280 3,960 SH
Other 0 0 0 3,960
CISCO SYSTEMS, INC. Com 17275R102 173,981 2,700 SH
Sole 0 8,844 0 29,550
CISCO SYSTEMS, INC. Com 17275R102 2,300,032 35,694 SH
Other 0 0 0 0
CITIGROUP INC Com 172967101 1,389,375 29,250 SH
Other 0 300 0 28,950
CLAIRE'S STORES INC COMMO Com 179584107 1,078,925 41,900 SH
Other 0 41,900 0 0
COCA COLA CO Com 191216109 99,200 1,600 SH
Sole 0 15,810 0 950
COCA COLA CO Com 191216109 881,020 14,210 SH
Defined 0 0 0 0
COCA COLA CO Com 191216109 58,900 950 SH
Other 0 0 0 0
COLGATE PALMOLIVE CO Com 194162102 1,093,350 11,100 SH
Other 0 1,300 0 9,800
COLUMBIA/HCA HEALTH Com 197677107 330,781 14,500 SH
Other 0 0 0 14,500
COMERICA INC COMMON Com 200340107 202,088 3,400 SH
Other 0 0 0 3,400
COMPAQ COMPUTER CORP Com 204493100 11,844 500 SH
Sole 0 11,400 0 20,500
COMPAQ COMPUTER CORP Com 204493100 248,719 10,500 SH
Defined 0 0 0 0
COMPAQ COMPUTER CORP Com 204493100 495,069 20,900 SH
Other 0 0 0 0
COMPUTER ASSOC INTL INC Com 204912108 2,064,075 37,700 SH
Other 0 0 0 37,700
COMPUTER SCIENCES CORP Com 205363104 20,756 300 SH
Sole 0 3,600 0 22,500
COMPUTER SCIENCES CORP Com 205363104 228,319 3,300 SH
Defined 0 0 0 0
COMPUTER SCIENCES CORP Com 205363104 1,556,719 22,500 SH
Other 0 0 0 0
CONSOLIDATED EDISON INC. Com 209115104 325,800 7,200 SH
Other 0 0 0 7,200
CONVERGYS CORP Com 212485106 267,375 13,800 SH
Other 0 13,800 0 0
CORNING INC. Com 21935010 436,178 6,220 SH
Other 0 800 0 5,420
DQE INC. COMMON Com 23329J104 60,188 1,500 SH
Sole 0 1,500 0 4,500
DQE INC. COMMON Com 23329J104 180,563 4,500 SH
Other 0 0 0 0
DALLAS SEMICONDUCTOR CORP Com 235204104 1,015,000 20,000 SH
Other 0 20,000 0 0
DANA CORP Com 235811105 361,683 7,852 SH
Sole 0 8,252 0 0
DANA CORP Com 235811105 18,425 400 SH
Defined 0 0 0 0
DAYTON HUDSON CORP Com 239753106 39,000 600 SH
Defined 0 600 0 9,640
DAYTON HUDSON CORP Com 239753106 626,600 9,640 SH
Other 0 0 0 0
DIAGEO PLC SPONSORED ADR Com 25243Q205 9,288 216 SH
Defined 0 216 0 7,042
DIAGEO PLC SPONSORED ADR Com 25243Q205 302,806 7,042 SH
Other 0 0 0 0
WALT DISNEY CO Com 254687106 134,219 4,356 SH
Sole 0 10,206 0 13,550
WALT DISNEY CO Com 254687106 177,172 5,750 SH
Defined 0 0 0 0
WALT DISNEY CO Com 254687106 420,591 13,650 SH
Other 0 0 0 0
DU PONT DE NEMOURS EI CO Com 263534109 47,136 690 SH
Defined 0 890 0 10,185
DU PONT DE NEMOURS EI CO Com 263534109 709,425 10,385 SH
Other 0 0 0 0
DUKE ENERGY CORP Com 264399105 32,663 600 SH
Sole 0 600 0 4,800
DUKE ENERGY CORP Com 264399105 261,300 4,800 SH
Other 0 0 0 0
DUN & BRADSTREET CORPORAT Com 26483B106 286,725 8,091 SH
Defined 0 9,291 0 0
DUN & BRADSTREET CORPORAT Com 26483B106 42,525 1,200 SH
Other 0 0 0 0
EMC CORPORATION Com 268648102 313,500 5,700 SH
Other 0 0 0 5,700
EASTMAN KODAK CO Com 277461109 102,912 1,519 SH
Defined 0 1,719 0 5,200
EASTMAN KODAK CO Com 277461109 365,850 5,400 SH
Other 0 0 0 0
EMERSON ELEC CO Com 291011103 179,498 2,852 SH
Sole 0 20,494 0 21,400
EMERSON ELEC CO Com 291011103 355,093 5,642 SH
Defined 0 0 0 0
EMERSON ELEC CO Com 291011103 2,102,113 33,400 SH
Other 0 0 0 0
ENRON CORP Com 293561105 14,715 180 SH
Defined 0 1,580 0 6,000
ENRON CORP Com 293561105 604,950 7,400 SH
Other 0 0 0 0
EXXON CORP Com 302290101 1,489,130 19,308 SH
Sole 0 30,772 0 4,920
EXXON CORP Com 302290101 831,716 10,784 SH
Defined 0 0 0 0
EXXON CORP Com 302290101 431,900 5,600 SH
Other 0 0 0 0
FPL GROUP INC Com 302571104 21,850 400 SH
Sole 0 400 0 6,400
FPL GROUP INC Com 302571104 349,600 6,400 SH
Other 0 0 0 0
FEDERAL HOME LOAN MORTGAG Com 313400301 1,838,600 31,700 SH
Other 0 11,500 0 20,200
FEDERAL NATIONAL MORTGAGE Com 313586109 505,050 7,400 SH
Defined 0 16,400 0 25,800
FEDERAL NATIONAL MORTGAGE Com 313586109 2,375,100 34,800 SH
Other 0 0 0 0
FEDERATED DEPT STORES INC Com 31410H101 412,913 7,800 SH
Other 0 0 0 7,800
FIFTH THIRD BANCORP, COMM Com 316773100 661,964 9,945 SH
Sole 0 63,794 0 500
FIFTH THIRD BANCORP, COMM Com 316773100 3,584,324 53,849 SH
Defined 0 0 0 0
FIFTH THIRD BANCORP, COMM Com 316773100 33,281 500 SH
Other 0 0 0 0
FIRST DATA CORP. Com 319963104 893,109 18,250 SH
Other 0 0 0 18,250
FIRST UNION CORP Com 33735810 22,903 486 SH
Sole 0 486 0 11,800
FIRST UNION CORP Com 33735810 556,075 11,800 SH
Other 0 0 0 0
FIRSTAR CORP - NEW Com 33763V109 252,000 9,000 SH
Sole 0 28,092 0 0
FIRSTAR CORP - NEW Com 33763V109 282,576 10,092 SH
Defined 0 0 0 0
FIRSTAR CORP - NEW Com 33763V109 252,000 9,000 SH
Other 0 0 0 0
FLEET FINANCIAL GROUP INC Com 338915101 88,750 2,000 SH
Sole 0 2,000 0 14,900
FLEET FINANCIAL GROUP INC Com 338915101 661,188 14,900 SH
Other 0 0 0 0
FOOD LION INC CLASS A Com 34477520 950,000 80,000 SH
Other 0 80,000 0 0
FORD MOTOR CO Com 345370100 6,208 110 SH
Sole 0 310 0 3,600
FORD MOTOR CO Com 345370100 11,288 200 SH
Defined 0 0 0 0
FORD MOTOR CO Com 345370100 203,175 3,600 SH
Other 0 0 0 0
GATX CORP COMMON Com 361448103 761,250 20,000 SH
Other 0 20,000 0 0
GTE CORP Com 362320103 45,300 600 SH
Sole 0 1,306 0 12,600
GTE CORP Com 362320103 43,488 576 SH
Defined 0 0 0 0
GTE CORP Com 362320103 961,115 12,730 SH
Other 0 0 0 0
GENERAL CABLE CORP Com 369300108 1,280,000 80,000 SH
Other 0 80,000 0 0
GENERAL ELECTRIC CO Com 369604103 1,731,612 15,324 SH
Sole 0 40,252 0 21,700
GENERAL ELECTRIC CO Com 369604103 1,666,750 14,750 SH
Defined 0 0 0 0
GENERAL ELECTRIC CO Com 369604103 3,602,214 31,878 SH
Other 0 0 0 0
GENERAL MILLS INC Com 370334104 1,020,763 12,700 SH
Other 0 0 0 12,700
GENERAL MOTORS CORP Com 370442105 52,800 800 SH
Sole 0 1,030 0 14,200
GENERAL MOTORS CORP Com 370442105 3,300 50 SH
Defined 0 0 0 0
GENERAL MOTORS CORP Com 370442105 949,080 14,380 SH
Other 0 0 0 0
GILLETTE CO Com 375766102 94,300 2,300 SH
Sole 0 2,860 0 33,000
GILLETTE CO Com 375766102 1,375,960 33,560 SH
Other 0 0 0 0
GROUP MAINTENANCE AMERICA Com 39943E107 4,557,571 352,276 SH
Defined 0 352,276 0 0
GULFSTREAM AEROSPACE CORP Com 402734107 378,350 5,600 SH
Other 0 0 0 5,600
HCR MANOR CARE Com 404134108 51,810 2,142 SH
Sole 0 13,242 0 2,400
HCR MANOR CARE Com 404134108 258,806 10,700 SH
Defined 0 0 0 0
HCR MANOR CARE Com 404134108 67,725 2,800 SH
Other 0 0 0 0
HALLIBURTON CO Com 406216101 4,525 100 SH
Sole 0 100 0 30,500
HALLIBURTON CO Com 406216101 1,380,125 30,500 SH
Other 0 0 0 0
HARCOURT GENERAL INC. COM Com 41163G101 1,727,344 33,500 SH
Other 0 0 0 33,500
HARTFORD FINANCIAL SERVIC Com 416515104 23,325 400 SH
Defined 0 400 0 12,900
HARTFORD FINANCIAL SERVIC Com 416515104 752,231 12,900 SH
Other 0 0 0 0
HAYES LEMMERZ INTERNATION Com 420781106 272,718 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 477,834 20,552 SH
Sole 0 22,502 0 0
HEALTH CARE REIT Com 42217K106 10,463 450 SH
Defined 0 0 0 0
HEALTH CARE REIT Com 42217K106 34,875 1,500 SH
Other 0 0 0 0
HEALTH CARE REIT PFD 8.87 Pfd 42217K205 266,475 11,400 SH
Sole 0 10,800 0 1,000
HEALTH CARE REIT PFD 8.87 Pfd 42217K205 9,350 400 SH
Other 0 0 0 0
ADR HEINEKEN NV NETH Com 423012202 227,853 4,450 SH
Other 0 0 0 4,450
HEINZ H J CO Com 423074103 22,556 450 SH
Sole 0 450 0 26,350
HEINZ H J CO Com 423074103 1,320,794 26,350 SH
Other 0 0 0 0
HEWLETT PACKARD CO Com 428236103 376,875 3,750 SH
Sole 0 8,900 0 11,800
HEWLETT PACKARD CO Com 428236103 517,575 5,150 SH
Defined 0 0 0 0
HEWLETT PACKARD CO Com 428236103 1,185,900 11,800 SH
Other 0 0 0 0
HOME DEPOT INC Com 437076102 25,775 400 SH
Defined 0 10,650 0 398
HOME DEPOT INC Com 437076102 686,131 10,648 SH
Other 0 0 0 0
HONEYWELL INC Com 438506107 230,707 1,991 SH
Defined 0 1,991 0 0
IMS HEALTH INCORPORATED Com 449934108 410,000 13,120 SH
Defined 0 33,620 0 0
IMS HEALTH INCORPORATED Com 449934108 640,625 20,500 SH
Other 0 0 0 0
ILLINOIS TOOL WORKS INC Com 452308108 128,021 1,566 SH
Sole 0 1,566 0 4,300
ILLINOIS TOOL WORKS INC Com 452308108 351,525 4,300 SH
Other 0 0 0 0
INGERSOLL RAND CO Com 456866101 588,088 9,100 SH
Other 0 0 0 9,100
INTEL CORP Com 458140100 404,600 6,800 SH
Sole 0 40,060 0 36,400
INTEL CORP Com 458140100 1,416,100 23,800 SH
Defined 0 0 0 0
INTEL CORP Com 458140100 2,728,670 45,860 SH
Other 0 0 0 0
INTL BUSINESS MACHINES CO Com 459200101 258,500 2,000 SH
Sole 0 15,600 0 17,800
INTL BUSINESS MACHINES CO Com 459200101 542,850 4,200 SH
Defined 0 0 0 0
INTL BUSINESS MACHINES CO Com 459200101 3,515,600 27,200 SH
Other 0 0 0 0
INTL PAPER CO Com 460146103 20,100 400 SH
Sole 0 400 0 10,800
INTL PAPER CO Com 460146103 542,700 10,800 SH
Other 0 0 0 0
JOHNSON & JOHNSON Com 478160104 940,800 9,600 SH
Sole 0 12,125 0 18,000
JOHNSON & JOHNSON Com 478160104 139,650 1,425 SH
Defined 0 0 0 0
JOHNSON & JOHNSON Com 478160104 1,871,800 19,100 SH
Other 0 0 0 0
KENNAMETAL INC. Com 489170100 341,000 11,000 SH
Other 0 0 0 11,000
KEYCORP NEW COMMON STOCK Com 493267108 763,162 23,756 SH
Sole 0 83,082 0 64,359
KEYCORP NEW COMMON STOCK Com 493267108 1,862,351 57,972 SH
Defined 0 0 0 0
KEYCORP NEW COMMON STOCK Com 493267108 2,111,030 65,713 SH
Other 0 0 0 0
KIMBERLY CLARK CORP Com 494368101 102,600 1,800 SH
Sole 0 2,900 0 5,448
KIMBERLY CLARK CORP Com 494368101 373,236 6,548 SH
Other 0 0 0 0
LILLY ELI & CO Com 532457108 372,450 5,200 SH
Sole 0 6,900 0 6,300
LILLY ELI & CO Com 532457108 57,300 800 SH
Defined 0 0 0 0
LILLY ELI & CO Com 532457108 515,700 7,200 SH
Other 0 0 0 0
LINCOLN NATIONAL CORP IND Com 534187109 10,463 200 SH
Defined 0 200 0 7,380
LINCOLN NATIONAL CORP IND Com 534187109 386,066 7,380 SH
Other 0 0 0 0
LOWES COMPANIES INC Com 548661107 816,300 14,400 SH
Other 0 14,000 0 400
LUCENT TECHNOLOGIES INC Com 549463107 93,334 1,384 SH
Sole 0 7,880 0 9,841
LUCENT TECHNOLOGIES INC Com 549463107 438,074 6,496 SH
Defined 0 0 0 0
LUCENT TECHNOLOGIES INC Com 549463107 663,652 9,841 SH
Other 0 0 0 0
MCI WORLDCOM INC. Com 55268B106 37,523 436 SH
Defined 0 1,086 0 23,549
MCI WORLDCOM INC. Com 55268B106 2,082,626 24,199 SH
Other 0 0 0 0
MGIC INVESTMENT CORP Com 552848103 345,238 7,100 SH
Other 0 0 0 7,100
MARSH & MCLENNAN CO INC Com 571748101 1,112,606 14,700 SH
Other 0 9,400 0 5,300
MARRIOTT INTERNATIONAL Com 571903202 216,775 5,800 SH
Other 0 0 0 5,800
MASCO CORP Com 574599106 219,450 7,600 SH
Other 0 0 0 7,600
MCCORMICK & CO INC. Com 579780206 694,375 22,000 SH
Other 0 22,000 0 0
MCDONALDS CORP Com 580135100 307,122 7,468 SH
Sole 0 12,668 0 55,900
MCDONALDS CORP Com 580135100 213,850 5,200 SH
Defined 0 0 0 0
MCDONALDS CORP Com 580135100 2,298,888 55,900 SH
Other 0 0 0 0
MEAD CORPORATION Com 582834105 4,865,545 116,540 SH
Defined 0 0 0 118,040
MEAD CORPORATION Com 582834105 62,625 1,500 SH
Other 0 0 0 0
MEDTRONIC INC Com 585055105 420,525 5,400 SH
Other 0 0 0 5,400
MELLON BANK CORP Com 585509100 109,125 3,000 SH
Defined 0 3,000 0 17,330
MELLON BANK CORP Com 585509100 630,379 17,330 SH
Other 0 0 0 0
MERCK & CO INC Com 589331106 824,600 11,200 SH
Sole 0 24,208 0 16,450
MERCK & CO INC Com 589331106 652,907 8,868 SH
Defined 0 0 0 0
MERCK & CO INC Com 589331106 1,515,939 20,590 SH
Other 0 0 0 0
MICROSOFT CORP COMMON Com 594918104 1,261,002 13,982 SH
Sole 0 64,821 0 28,900
MICROSOFT CORP COMMON Com 594918104 1,511,543 16,760 SH
Defined 0 0 0 0
MICROSOFT CORP COMMON Com 594918104 5,679,919 62,979 SH
Other 0 0 0 0
MINNESOTA MINING & MFG Com 604059104 165,181 1,900 SH
Sole 0 2,625 0 4,000
MINNESOTA MINING & MFG Com 604059104 80,417 925 SH
Defined 0 0 0 0
MINNESOTA MINING & MFG Com 604059104 330,363 3,800 SH
Other 0 0 0 0
MOBIL CORP Com 607059101 499,280 5,056 SH
Sole 0 5,881 0 9,350
MOBIL CORP Com 607059101 41,969 425 SH
Defined 0 0 0 0
MOBIL CORP Com 607059101 962,813 9,750 SH
Other 0 0 0 0
MORGAN J P & CO INC Com 616880109 84,300 600 SH
Defined 0 728 0 1,000
MORGAN J P & CO INC Com 616880109 158,484 1,128 SH
Other 0 0 0 0
MORGAN STANLEY, DEAN WITT Com 617446448 135,465 1,320 SH
Defined 0 1,320 0 4,600
MORGAN STANLEY, DEAN WITT Com 617446448 472,075 4,600 SH
Other 0 0 0 0
MOTOROLA INC Com 620076109 14,213 150 SH
Defined 0 750 0 9,800
MOTOROLA INC Com 620076109 985,400 10,400 SH
Other 0 0 0 0
NATIONAL CITY CORP Com 635405103 5,608,307 85,623 SH
Sole 0 98,307 0 6,670
NATIONAL CITY CORP Com 635405103 110,302 1,684 SH
Defined 0 0 0 0
NATIONAL CITY CORP Com 635405103 1,157,385 17,670 SH
Other 0 0 0 0
NEW YORK TIMES CO CL A Com 650111107 423,344 11,500 SH
Other 0 0 0 11,500
NEWELL RUBBERMAID INC Com 651229106 211,934 4,570 SH
Sole 0 5,870 0 10,236
NEWELL RUBBERMAID INC Com 651229106 23,188 500 SH
Defined 0 0 0 0
NEWELL RUBBERMAID INC Com 651229106 511,795 11,036 SH
Other 0 0 0 0
NEWS CP LTD ADR Com 652487703 444,938 12,600 SH
Other 0 12,600 0 0
NEXTEL COMMUNICATIONS INC Com 65332V103 1,038,881 20,700 SH
Other 0 20,700 0 0
NIELSEN MEDIA RESEARCH NE Com 653929307 58,091 1,986 SH
Defined 0 33,518 0 1
NIELSEN MEDIA RESEARCH NE Com 653929307 922,340 31,533 SH
Other 0 0 0 0
NOKIA CORPORATION ADR Com 654902204 201,438 2,200 SH
Other 0 200 0 2,000
OFFICE DEPOT INC COMMON Com 676220106 323,480 14,662 SH
Other 0 0 0 14,662
ORACLE CORPORATION (AKA O Com 68389X10 1,182,431 31,850 SH
Other 0 0 0 31,850
OWENS-ILLINOIS, INC. COMM Com 690768403 9,109,287 278,678 SH
Defined 0 278,678 0 600
OWENS-ILLINOIS, INC. COMM Com 690768403 19,613 600 SH
Other 0 0 0 0
PMC SIERRA INC Com 69344F106 235,750 4,000 SH
Sole 0 4,000 0 0
PPG IND INC Com 693506106 236,250 4,000 SH
Other 0 0 0 4,000
PEPSICO INC Com 713448107 69,638 1,800 SH
Sole 0 11,700 0 60,900
PEPSICO INC Com 713448107 557,100 14,400 SH
Defined 0 0 0 0
PEPSICO INC Com 713448107 2,181,975 56,400 SH
Other 0 0 0 0
PETE GEO SVCADR Com 716597109 404,600 27,200 SH
Other 0 27,200 0 0
PFIZER INC Com 717081103 370,600 3,400 SH
Sole 0 6,450 0 17,750
PFIZER INC Com 717081103 299,750 2,750 SH
Defined 0 0 0 0
PFIZER INC Com 717081103 1,967,450 18,050 SH
Other 0 0 0 0
PHILIP MORRIS COS INC Com 718154107 518,419 12,900 SH
Sole 0 13,375 0 54,600
PHILIP MORRIS COS INC Com 718154107 2,213,327 55,075 SH
Other 0 0 0 0
PHILLIPS PETROLEUM CO Com 718507106 201,250 4,000 SH
Other 0 0 0 4,000
PIER I IMPORTS, INC. Com 720279108 900,000 80,000 SH
Other 0 80,000 0 0
PROCTER & GAMBLE CO Com 742718108 249,900 2,800 SH
Sole 0 3,885 0 7,200
PROCTER & GAMBLE CO Com 742718108 89,250 1,000 SH
Defined 0 0 0 0
PROCTER & GAMBLE CO Com 742718108 650,186 7,285 SH
Other 0 0 0 0
PROVIDIAN FINANCIAL CORP Com 74406A102 83,925 900 SH
Sole 0 900 0 15,600
PROVIDIAN FINANCIAL CORP Com 74406A102 1,454,700 15,600 SH
Other 0 0 0 0
RALSTON-RALSTON PURINA GR Com 751277302 91,313 3,000 SH
Sole 0 3,000 0 16,550
RALSTON-RALSTON PURINA GR Com 751277302 503,741 16,550 SH
Other 0 0 0 0
RAYTHEON CO CLASS A Com 755111309 207 3 SH
Defined 0 3 0 5,431
RAYTHEON CO CLASS A Com 755111309 374,060 5,431 SH
Other 0 0 0 0
RELIANT ENERGY Com 75952J108 276,250 10,000 SH
Other 0 0 0 10,000
RICHFOOD HOLDINGS INC CL Com 763408101 969,375 55,000 SH
Other 0 55,000 0 0
ROYAL DUTCH PETROLEUM 1. Com 780257804 24,100 400 SH
Sole 0 5,700 0 0
ROYAL DUTCH PETROLEUM 1. Com 780257804 271,125 4,500 SH
Defined 0 0 0 0
ROYAL DUTCH PETROLEUM 1. Com 780257804 48,200 800 SH
Other 0 0 0 0
SBC COMMUNICATIONS INC. Com 78387G103 39,614 683 SH
Sole 0 1,267 0 10,900
SBC COMMUNICATIONS INC. Com 78387G103 33,872 584 SH
Defined 0 0 0 0
SBC COMMUNICATIONS INC. Com 78387G103 632,200 10,900 SH
Other 0 0 0 0
SARA LEE CORP Com 803111103 18,150 800 SH
Sole 0 800 0 53,500
SARA LEE CORP Com 803111103 1,213,781 53,500 SH
Other 0 0 0 0
SCHERING-PLOUGH CORP Com 806605101 433,020 8,248 SH
Sole 0 21,507 0 600
SCHERING-PLOUGH CORP Com 806605101 668,535 12,734 SH
Defined 0 0 0 0
SCHERING-PLOUGH CORP Com 806605101 59,063 1,125 SH
Other 0 0 0 0
SCHLUMBERGER LTD Com 806857107 38,213 600 SH
Sole 0 1,400 0 7,200
SCHLUMBERGER LTD Com 806857107 509,500 8,000 SH
Other 0 0 0 0
SEARS ROEBUCK & CO Com 812387108 16,577 372 SH
Defined 0 372 0 5,000
SEARS ROEBUCK & CO Com 812387108 222,813 5,000 SH
Other 0 0 0 0
SKY FINANCIAL GROUP INC Com 83080P103 341,824 12,544 SH
Defined 0 12,544 0 988
SKY FINANCIAL GROUP INC Com 83080P103 26,923 988 SH
Other 0 0 0 0
SMITHKLINE BEECHAM ADR UT Com 832378301 105,700 1,600 SH
Sole 0 1,600 0 5,000
SMITHKLINE BEECHAM ADR UT Com 832378301 330,313 5,000 SH
Other 0 0 0 0
SONAT INC Com 835415100 153,700 4,640 SH
Defined 0 7,440 0 0
SONAT INC Com 835415100 92,750 2,800 SH
Other 0 0 0 0
SOUTHERN CO Com 842587107 10,600 400 SH
Sole 0 400 0 9,600
SOUTHERN CO Com 842587107 254,400 9,600 SH
Other 0 0 0 0
STERLING COMMERCE INC Com 859205106 544,488 14,816 SH
Other 0 14,816 0 0
STERLING SOFTWARE INC Com 859547101 798,413 30,200 SH
Other 0 30,200 0 0
SUN MICROSYSTEMS W/RTS EX Com 866810104 13,775 200 SH
Sole 0 200 0 4,500
SUN MICROSYSTEMS W/RTS EX Com 866810104 309,938 4,500 SH
Other 0 0 0 0
SUNDANCE RESOURCES INC PR Pfd 867264913 0 12,500 SH
Other 0 12,500 0 0
TEXACO INC Com 881694102 24,950 400 SH
Sole 0 4,110 0 16,400
TEXACO INC Com 881694102 174,650 2,800 SH
Defined 0 0 0 0
TEXACO INC Com 881694102 1,079,711 17,310 SH
Other 0 0 0 0
TEXAS INSTRUMENTS INC Com 882508102 1,195,200 8,300 SH
Other 0 4,000 0 4,300
TEXTRON INC Com 883203100 8,231 100 SH
Defined 0 100 0 4,000
TEXTRON INC Com 883203100 329,250 4,000 SH
Other 0 0 0 0
TIME WARNER INC COM Com 887315109 718,988 9,900 SH
Other 0 1,000 0 8,900
TOYS-R-US INC Com 892335109 289,625 14,000 SH
Other 0 0 0 14,000
TRIBUNE CO Com 896047106 217,813 2,500 SH
Other 0 0 0 2,500
TYCO INTNERNATIONAL Com 902124106 2,117,852 22,352 SH
Other 0 0 0 22,352
UNUM CORP W/RTS Com 903192102 355,875 6,500 SH
Other 0 0 0 6,500
UNILEVER NV ADR (NEW) Com 904784709 1,450,940 20,802 SH
Other 0 0 0 20,802
UNION PACIFIC CORP Com 907818106 222,870 3,822 SH
Other 0 0 0 3,822
UNITED TECHNOLOGIES CORP Com 913017109 28,800 400 SH
Sole 0 800 0 6,800
UNITED TECHNOLOGIES CORP Com 913017109 28,800 400 SH
Defined 0 0 0 0
UNITED TECHNOLOGIES CORP Com 913017109 489,600 6,800 SH
Other 0 0 0 0
UNOCAL CORP Com 915289101 297,188 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 637,313 20,600 SH
Other 0 20,600 0 0
VODAFONE GROUP PLC ADR Com 92857T107 39,400 200 SH
Sole 0 10,797 0 0
VODAFONE GROUP PLC ADR Com 92857T107 176,709 897 SH
Defined 0 0 0 0
VODAFONE GROUP PLC ADR Com 92857T107 1,910,900 9,700 SH
Other 0 0 0 0
WAL-MART STORES INC Com 931142103 193,000 4,000 SH
Sole 0 4,800 0 1,600
WAL-MART STORES INC Com 931142103 28,950 600 SH
Defined 0 0 0 0
WAL-MART STORES INC Com 931142103 86,850 1,800 SH
Other 0 0 0 0
WALGREEN CO Com 931422109 188,000 6,400 SH
Sole 0 6,600 0 10,000
WALGREEN CO Com 931422109 5,875 200 SH
Defined 0 0 0 0
WALGREEN CO Com 931422109 293,750 10,000 SH
Other 0 0 0 0
WARNER LAMBERT CO Com 934488106 279,956 4,050 SH
Sole 0 7,310 0 1,189
WARNER LAMBERT CO Com 934488106 225,348 3,260 SH
Defined 0 0 0 0
WARNER LAMBERT CO Com 934488106 82,190 1,189 SH
Other 0 0 0 0
WASHINGTON MUTUAL INC. Com 939322103 8,962 252 SH
Defined 0 252 0 21,100
WASHINGTON MUTUAL INC. Com 939322103 750,369 21,100 SH
Other 0 0 0 0
WELLS FARGO & CO NEW Com 949746101 106,875 2,500 SH
Defined 0 19,500 0 13,400
WELLS FARGO & CO NEW Com 949746101 1,299,600 30,400 SH
Other 0 0 0 0
WOOD BANCORP, INC. COMMON Com 978237105 541,406 28,125 SH
Sole 0 84,375 0 0
WOOD BANCORP, INC. COMMON Com 978237105 1,082,813 56,250 SH
Other 0 0 0 0
XEROX CORP Com 984121102 1,949,063 33,000 SH
Other 0 0 0 33,000
YAHOO INC Com 984332106 356,558 2,070 SH
Other 0 1,250 0 820
CATAWBA INVESTMENT COMPAN Com 9M013900 7,569,310 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 0 240 0 0
CAVISTA CORP. PFD. SERIES Pfd 9M025900 90,000 90 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 93,000 93,000 SH
Defined 0 93,000 0 0
CORA HEALTH SERV SER B PF Com 9M0327WTS 0 46,500 SH
Defined 0 46,500 0 0
DAIMLER CHRYSLER AG Com D1668R123 1,716,988 19,292 SH
Defined 0 19,292 0 0
MILLICOM INTL CELLULAR SA Com L6388F102 286,650 9,100 SH
Other 0 9,100 0 0
</TABLE>
