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: Bay Isle Financial Corporation
Address: 160 Sansome Street, 17th Floor
San Francisco, CA 94104
Form 13F File Number: 28-99999
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: Gary Pollock
Title: President
Phone: (415) 705-7777
Signature, Place, and Date of Signing:
Gary Pollock San Francisco, CA October 26, 1999
Report Type (Check only one.):
[X] 13F HOLDINGS REPORT. (Check here if all holdings of this reporting
manager are reported in this report.)
[ ] 13F NOTICE. (Check here if no holdings reported are in this report, and
all holdings are reported by other reporting manager(s).)
[ ] 13F COMBINATION REPORT. (Check here if a portion of the holdings for
this reporting manager are reported in this report and a portion are
reported by other reporting manager(s).)
List of Other Managers Reporting for this Manager: NONE
<PAGE>
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 177
Form 13F Information Table Value Total: $406,042
List of Other Included Managers: NONE
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FORM 13F INFORMATION TABLE
VALUE SHRS OR SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ---------- -------- -------- --------
ADC Telecommunications COM 000886101 231 5500 SH SOLE 0 0 5500
AMB Property Corp COM 00163T109 251 11850 SH SOLE 0 0 11850
AT&T COM 001957109 4463 102595 SH SOLE 0 0 102595
AT&T Corp Liberty Media Group COM 001957208 10525 282082 SH SOLE 0 0 282082
AXENT Technologies COM 05459C108 291 22500 SH SOLE 0 0 22500
Abbott Laboratories COM 002824100 9135 248999 SH SOLE 0 0 248999
Advanced Fibre Communications COM 00754A105 674 30300 SH SOLE 0 0 30300
Advent Software Inc COM 007974108 243 3900 SH SOLE 0 0 3900
Aegon NV COM 007924103 1474 17042 SH SOLE 0 0 17042
Albertsons Inc. COM 013104104 8450 213590 SH SOLE 0 0 213590
Alteon WebSystems Inc COM 02145A109 226 2400 SH SOLE 0 0 2400
Amazon.com Inc. COM 023135106 333 4172 SH SOLE 0 0 4172
America Online Inc. COM 02364J104 1016 9764 SH SOLE 0 0 9764
American Express COM 025816109 4401 32602 SH SOLE 0 0 32602
American Home Products COM 026609107 652 15700 SH SOLE 0 0 15700
American Int'l Group COM 026874107 7323 84234 SH SOLE 0 0 84234
Ameritech COM 030954101 478 7164 SH SOLE 0 0 7164
Archstone Communities Trust COM 039581103 2245 113650 SH SOLE 0 0 113650
Automatic Data Proc. COM 053015103 10704 239861 SH SOLE 0 0 239861
AvalonBay Communities Inc COM 053484101 7563 223251 SH SOLE 0 0 223251
BEA Systems Inc COM 073325102 254 7200 SH SOLE 0 0 7200
BMC Software, Inc. COM 055921100 877 12250 SH SOLE 0 0 12250
Bank of Alameda COM 060432101 349 15000 SH SOLE 0 0 15000
Bank of America Corp. COM 060505104 2014 36163 SH SOLE 0 0 36163
Bank of New York Co COM 064057102 5962 178290 SH SOLE 0 0 178290
Baxter International COM 071813109 2749 45623 SH SOLE 0 0 45623
Bell Atlantic Corp. COM 077853109 375 5570 SH SOLE 0 0 5570
BellSouth Corp. COM 079860102 320 7108 SH SOLE 0 0 7108
Berkshire Hathaway COM 084670991 220 40 SH SOLE 0 0 40
Blackrock Target Term Tr COM 092476100 416 43545 SH SOLE 0 0 43545
Bluestone Software Inc COM 09623P102 229 9900 SH SOLE 0 0 9900
Bristol-Myers/Squibb COM 110122108 4978 73745 SH SOLE 0 0 73745
CRIIMI Mae COM 226603108 164 79475 SH SOLE 0 0 79475
Camden Property Trust SBI COM 133131102 226 8400 SH SOLE 0 0 8400
Carramerica Realty Corp COM 144418100 318 14500 SH SOLE 0 0 14500
Casmyn Corp. COM 147619100 0 22000 SH SOLE 0 0 22000
Charles E. Smith Residential R COM 832197107 355 10375 SH SOLE 0 0 10375
Charles Schwab Corp. COM 808513105 6012 179795 SH SOLE 0 0 179795
Chase Manhattan Bank COM 16161A108 5172 68612 SH SOLE 0 0 68612
Chelsea GCA Realty COM 163262108 3854 121852 SH SOLE 0 0 121852
Chevron COM 166751107 11032 124304 SH SOLE 0 0 124304
Cisco Systems COM 17275R102 4385 63958 SH SOLE 0 0 63958
Citigroup Inc. COM 172967101 699 15885 SH SOLE 0 0 15885
Clorox COM 189054109 1100 28750 SH SOLE 0 0 28750
Cnet Inc. COM 125945105 1344 24000 SH SOLE 0 0 24000
Coca-Cola COM 191216100 277 5734 SH SOLE 0 0 5734
Compaq Computer COM 204493100 380 16600 SH SOLE 0 0 16600
Computer Associates Internatio COM 204912109 329 5375 SH SOLE 0 0 5375
Compuware COM 205638109 4620 177250 SH SOLE 0 0 177250
Comverse Technology COM 205862402 227 2410 SH SOLE 0 0 2410
Cousins Property COM 222795106 519 15280 SH SOLE 0 0 15280
Cox Communications COM 224044107 220 5274 SH SOLE 0 0 5274
DPL Inc. COM 233293109 1323 75087 SH SOLE 0 0 75087
Dana Corp COM 235811106 1732 46640 SH SOLE 0 0 46640
Dayton Hudson Corp. COM 239753106 216 3600 SH SOLE 0 0 3600
Dell Computer Corp COM 247025109 1097 26240 SH SOLE 0 0 26240
Diebold Inc. COM 253651103 6419 277590 SH SOLE 0 0 277590
Dover Corp. COM 260003108 3455 84520 SH SOLE 0 0 84520
Duke-Weeks Realty Corp. COM 264411505 2576 132094 SH SOLE 0 0 132094
EDS Corp. COM 285661104 236 4455 SH SOLE 0 0 4455
EMC Corp COM 268648102 998 13978 SH SOLE 0 0 13978
Eli Lilly COM 532457108 986 15360 SH SOLE 0 0 15360
Emerging Markets Income Fund I COM 290920107 160 15600 SH SOLE 0 0 15600
Equity Office Properties Trust COM 294741103 849 36500 SH SOLE 0 0 36500
Exxon COM 302290101 2229 29335 SH SOLE 0 0 29335
First Data Corp. COM 319963104 10058 229241 SH SOLE 0 0 229241
First Tennessee National Corp COM 337162101 3495 124262 SH SOLE 0 0 124262
GTE Corp. COM 362320103 6555 85269 SH SOLE 0 0 85269
Gap Inc. COM 364760108 772 24122 SH SOLE 0 0 24122
General Electric COM 369604103 13473 113634 SH SOLE 0 0 113634
General Instrument COM 370120107 312 6500 SH SOLE 0 0 6500
Great Lakes REIT COM 390752103 293 19450 SH SOLE 0 0 19450
HRPT Properties Trust COM 422169102 181 16100 SH SOLE 0 0 16100
Hewlett-Packard COM 428236103 1220 13445 SH SOLE 0 0 13445
Home Properties of New York COM 437306103 4400 164860 SH SOLE 0 0 164860
IRT Property Co. COM 450058102 397 44100 SH SOLE 0 0 44100
Innkeepers USA Trust COM 4576J0104 4128 496520 SH SOLE 0 0 496520
Intel Corp. COM 458140100 23034 309956 SH SOLE 0 0 309956
International Business Machine COM 459200101 1732 14313 SH SOLE 0 0 14313
Interpublic Group of Cos COM 460690100 2478 60265 SH SOLE 0 0 60265
Intuit COM 461202103 394 4500 SH SOLE 0 0 4500
Johnson & Johnson COM 478160104 8549 93049 SH SOLE 0 0 93049
K-Mart COM 482584109 1304 111525 SH SOLE 0 0 111525
Kana Communications COM 483600102 249 5000 SH SOLE 0 0 5000
Kaneb Pipeline Partners LP COM 484169107 264 9150 SH SOLE 0 0 9150
Kansas City Southern Corp. COM 485170104 6662 143269 SH SOLE 0 0 143269
Kilroy Realty Corp COM 49427f108 601 28450 SH SOLE 0 0 28450
Kimco Realty REIT COM 49446R109 4733 132383 SH SOLE 0 0 132383
LSI Logic Corp. COM 502161102 530 10188 SH SOLE 0 0 10188
LTC Properties COM 502175102 461 43374 SH SOLE 0 0 43374
LaSalle Hotels Properties COM 517942108 140 10800 SH SOLE 0 0 10800
Legato Systems Inc. COM 524651106 209 4800 SH SOLE 0 0 4800
Leggett & Platt Inc. COM 524660107 4312 219005 SH SOLE 0 0 219005
Lucent Technologies COM 549463107 1448 22322 SH SOLE 0 0 22322
MCI Worldcom COM 98155K102 5198 72321 SH SOLE 0 0 72321
MSU Corp COM 553757105 62 17800 SH SOLE 0 0 17800
Macerich Co. COM 554382101 502 21725 SH SOLE 0 0 21725
Manufactured Home Communitites COM 564682102 1471 62950 SH SOLE 0 0 62950
McGraw-Hill COM 580645109 5139 106234 SH SOLE 0 0 106234
Media One Inc. COM 58440j104 6569 96158 SH SOLE 0 0 96158
Medtronic Inc. COM 585055106 348 9798 SH SOLE 0 0 9798
Mellon Financial Corp COM 585509102 5069 150756 SH SOLE 0 0 150756
Mercantile Bankshares COM 587405101 224 7235 SH SOLE 0 0 7235
Merck COM 589331107 6075 93725 SH SOLE 0 0 93725
Mercury Interactive Corp COM 589405109 232 3600 SH SOLE 0 0 3600
Merrill Lynch COM 590188108 214 3175 SH SOLE 0 0 3175
Microsoft Corp. COM 594918104 4623 51048 SH SOLE 0 0 51048
Mobil Corp. COM 607059102 4617 45825 SH SOLE 0 0 45825
Motorola Inc. COM 620076109 407 4620 SH SOLE 0 0 4620
NCR Corp. COM 62886E108 6602 199675 SH SOLE 0 0 199675
NEXTEL Communications, Inc. COM 65332V103 671 9900 SH SOLE 0 0 9900
National Australian Bank Ltd PFD 632525309 5262 192225 SH SOLE 0 0 192225
Nationwide Health Properties COM 638620104 1717 103250 SH SOLE 0 0 103250
Network Appliance Corp COM 64120L104 636 8879 SH SOLE 0 0 8879
New Era of Networks Inc COM 644312100 324 15000 SH SOLE 0 0 15000
Newell Rubbermaid Inc. COM 651229106 3026 105925 SH SOLE 0 0 105925
Nextel STRYPES Tr Structured Y PFD 65332Y107 3349 57675 SH SOLE 0 0 57675
Nokia Corp ADS COM 654902204 596 6631 SH SOLE 0 0 6631
Nortel Networks Corp COM 665815106 282 5520 SH SOLE 0 0 5520
Novell Inc. COM 670006105 211 10200 SH SOLE 0 0 10200
Oracle Inc. COM 68389X105 1276 28052 SH SOLE 0 0 28052
Orange PLC COM 685211104 318 3200 SH SOLE 0 0 3200
P.S. Business Parks 'A' COM 6936oj107 244 9375 SH SOLE 0 0 9375
Patterson Dental Co COM 703412106 4423 89250 SH SOLE 0 0 89250
PepsiCo Inc. COM 713448108 524 17170 SH SOLE 0 0 17170
Pfizer Inc. COM 717081103 778 21675 SH SOLE 0 0 21675
Philip Morris COM 718154107 239 7000 SH SOLE 0 0 7000
Post Properties Inc. COM 737464107 4224 107449 SH SOLE 0 0 107449
Prentiss Properties Trust COM 740706106 408 18400 SH SOLE 0 0 18400
ProLogis Trust COM 743410102 1297 68699 SH SOLE 0 0 68699
Procter & Gamble COM 742718109 363 3876 SH SOLE 0 0 3876
QWest Communications Int'l Inc COM 749121109 583 19730 SH SOLE 0 0 19730
Rational Software Corp COM 75409P202 214 7300 SH SOLE 0 0 7300
Regency Realty Corp COM 758939102 414 19700 SH SOLE 0 0 19700
Roche Holdings COM 771195104 330 2850 SH SOLE 0 0 2850
Royal Dutch Petroleum COM 780257804 393 6650 SH SOLE 0 0 6650
Royal Star Resources Ltd. COM 78076G109 1 45000 SH SOLE 0 0 45000
SAP (ADR) COM 803054204 276 7300 SH SOLE 0 0 7300
SBC Communications Inc. COM 78387G103 742 14536 SH SOLE 0 0 14536
Safeway Inc. COM 786514208 564 14827 SH SOLE 0 0 14827
Sara Lee COM 803111103 2574 110135 SH SOLE 0 0 110135
Scios Inc. COM 808905103 111 30000 SH SOLE 0 0 30000
Scottsdale Scientific COM 81052T103 3332 6800000 SH SOLE 0 0 6800000
Service Corporation Internatio COM 817565104 6784 642208 SH SOLE 0 0 642208
Siebel Systems COM 826170102 346 5200 SH SOLE 0 0 5200
Simon Property Group COM 828806109 240 10716 SH SOLE 0 0 10716
SmartForce COM 124853102 638 25900 SH SOLE 0 0 25900
Spieker Properties, Inc. COM 848497103 4034 116285 SH SOLE 0 0 116285
Sterling Software, Inc. COM 859547101 1595 79770 SH SOLE 0 0 79770
Storage USA Inc. COM 861907103 2845 103471 SH SOLE 0 0 103471
Sun Communities Inc COM 866674104 1386 41915 SH SOLE 0 0 41915
Sun Microsystems COM 866810104 1420 15269 SH SOLE 0 0 15269
TVI Pacific Inc. COM 872917109 2 50000 SH SOLE 0 0 50000
Tanger Factory Outlet Centers COM 875465106 741 32500 SH SOLE 0 0 32500
Taubman Centers Inc. COM 876664103 3017 262330 SH SOLE 0 0 262330
Telewest Communications COM 87956p10 219 6000 SH SOLE 0 0 6000
Teligent Inc. COM 87959y103 561 11290 SH SOLE 0 0 11290
Texas Instruments COM 882508104 4014 48800 SH SOLE 0 0 48800
The Centris Group COM 155904105 151 15000 SH SOLE 0 0 15000
Thornburg Mortgage Asset Corp COM 885218107 284 32185 SH SOLE 0 0 32185
Time Warner COM 887315109 2194 36110 SH SOLE 0 0 36110
U.S. West Incorporated COM 91273h101 11859 207829 SH SOLE 0 0 207829
US Bancorp COM 902973106 235 7784 SH SOLE 0 0 7784
Unilever N.V. COM 904784709 545 7998 SH SOLE 0 0 7998
Uniphase Corp. COM 46612J101 237 2082 SH SOLE 0 0 2082
Unisys Corp COM 909214108 388 8608 SH SOLE 0 0 8608
Urban Shopping Centers COM 917060105 880 30200 SH SOLE 0 0 30200
Veritas Software Corp. COM 923436109 208 2740 SH SOLE 0 0 2740
Vista Gold Corp. COM 927926105 2 10000 SH SOLE 0 0 10000
Vodafone AirTouch PLC COM 92857T107 2242 9430 SH SOLE 0 0 9430
Wal-Mart Stores COM 931142103 308 6475 SH SOLE 0 0 6475
WaterPur International Inc. COM 941844102 1 16000 SH SOLE 0 0 16000
Watson Pharmaceutical Inc. COM 942683103 501 16380 SH SOLE 0 0 16380
Wells Fargo and Co. COM 949746101 4643 117170 SH SOLE 0 0 117170
Williams Companies COM 969457100 10473 278349 SH SOLE 0 0 278349
Xilinx Inc COM 983919101 275 4200 SH SOLE 0 0 4200
Yahoo! Inc COM 984332106 412 2296 SH SOLE 0 0 2296
</TABLE>
