[DESCRIPTION] FORM 13F
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 09/30/1999
Check here if Amendment [ ] Amendment Number:
This Amendment [ ] is a restatement
[ ] adds new holding entries
Institutional Investment Manager Filing this Report:
Name: PROVIDENT BK-CAPITAL MGMT GROUP
Address: 309 VINE STREET
CINCINNATI, OH 45202
13F File Number: 28-69260
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 intergral parts of
this form.
Person Signing this Report on Behalf of Reporting Manager:
Name: GARY QUEEN
Title: PRESIDENT PIA
Phone: 513-763-8900
Signature, Place, and Date of Signing:
GARY QUEEN CINCINNATI, OH 1006
Report Type (Check only one)
[X] 13F HOLDINGS REPORT
[ ] 13F NOTICE
[ ] 13F COMBINATION REPORT
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: 437
Form 13F Information Table Value Total: $ 537,405
List of Other Included Managers:
NONE
<TABLE> <C> <C>
FORM 13F INFORMATION TABLE
TITLE VALUE SHARES/ SH/ PUT/
NAME OF ISSUER OF CLASS CUSIP (X $1000) PRN AMOUNT PRN CALL
SECURITY NAME SUBCLASS
AT&T CORP COMMON STOCK 001957109 4491 103245 SH
AT&T CORP COMMON STOCK 001957109 166 3811 SH
AT&T CORP COMMON STOCK 001957109 104 2400 SH
ABBOTT LABS COMMON STOCK 002824100 1600 43600 SH
ABBOTT LABS COMMON STOCK 002824100 235 6400 SH
ABERCROMBIE & FITCH CO COMMON STOCK 002896207 409 12000 SH
AEGON N.V. COMMON STOCK 007924103 150 1736 SH
AEGON N.V. COMMON STOCK 007924103 90 1042 SH
ALLSTATE CORP COMMON STOCK 020002101 32 1296 SH
ALLSTATE CORP COMMON STOCK 020002101 76 3054 SH
ALLSTATE CORP COMMON STOCK 020002101 84 3388 SH
ALLSTATE CORP COMMON STOCK 020002101 18 740 SH
AMAZON COM INC COMMON STOCK 023135106 3470 43404 SH
AMAZON COM INC COMMON STOCK 023135106 15 190 SH
AMAZON COM INC COMMON STOCK 023135106 16 200 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 14655 140826 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 51 490 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 67 640 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 208 1997 SH
AMERICAN ANNUITY GROUP INC COMMON STOCK 023840101 13157 608402 SH
AMERICAN EAGLE OUTFITTERS COMMON STOCK 02553E106 388 8000 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 3318 24580 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 27 200 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 270 2000 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 268 6462 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 614 14800 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 315 7600 SH
AMER INTL GROUP INC COMMON STOCK 026874107 8773 100915 SH
AMER INTL GROUP INC COMMON STOCK 026874107 280 3224 SH
AMER INTL GROUP INC COMMON STOCK 026874107 45 520 SH
AMERICAN ITALIAN PASTA CO COMMON STOCK 027070101 573 20000 SH
AMERICAN PWR CONVERSION CORP COMMON STOCK 029066107 399 21000 SH
AMERITECH CORP NEW COMMON STOCK 030954101 2340 35052 SH
AMERITECH CORP NEW COMMON STOCK 030954101 80 1200 SH
AMERITECH CORP NEW COMMON STOCK 030954101 961 14400 SH
AMERITECH CORP NEW COMMON STOCK 030954101 160 2400 SH
AMGEN INC COMMON STOCK 031162100 1678 20583 SH
AMGEN INC COMMON STOCK 031162100 114 1400 SH
ANHEUSER-BUSCH COS INC. COMMON STOCK 035229103 210 3000 SH
ARIBA INC COMMON STOCK 04033V104 1913 13242 SH
ARIBA INC COMMON STOCK 04033V104 13 90 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 426 11846 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 64 1780 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 576 6500 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 18 200 SH
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 1133 25400 SH
BP AMOCO PLC-SPONS ADR COMMON STOCK 055622104 1747 15765 SH
BP AMOCO PLC-SPONS ADR COMMON STOCK 055622104 601 5424 SH
BP AMOCO PLC-SPONS ADR COMMON STOCK 055622104 132 1190 SH
BAKER HUGHES INC COMMON STOCK 057224107 441 15200 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 1999 35892 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 50 889 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 3 48 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 6 113 SH
BANK ONE CORP COMMON STOCK 06423A103 751 21568 SH
BANK ONE CORP COMMON STOCK 06423A103 21 605 SH
BANK ONE CORP COMMON STOCK 06423A103 4 101 SH
BAUSCH & LOMB INC COMMON STOCK 071707103 330 5000 SH
BAUSCH & LOMB INC COMMON STOCK 071707103 7 111 SH
BED BATH & BEYOND INC COMMON STOCK 075896100 769 22000 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 287 4260 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 118 1758 SH
BELLSOUTH CORP COMMON STOCK 079860102 1635 36341 SH
BELLSOUTH CORP COMMON STOCK 079860102 54 1200 SH
BELLSOUTH CORP COMMON STOCK 079860102 579 12875 SH
BELLSOUTH CORP COMMON STOCK 079860102 73 1620 SH
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670108 770 14 SH
BEST FOODS COMMON STOCK 08658U101 730 15040 SH
BEST FOODS COMMON STOCK 08658U101 233 4800 SH
BEST FOODS COMMON STOCK 08658U101 274 5650 SH
BOEING CO. COMMON STOCK 097023105 465 10900 SH
BOEING CO. COMMON STOCK 097023105 89 2098 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 6683 99010 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 41 600 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 894 13250 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 27 400 SH
BROADCOM CORP - CL A COMMON STOCK 111320107 345 3165 SH
BUILDING ONE SERVICES CORP COMMON STOCK 120114103 438 35924 SH
BURLINGTON RESOURCES INC COMMON STOCK 122014103 390 10600 SH
BURLINGTON RESOURCES INC COMMON STOCK 122014103 0 1 SH
CMGI INC COMMON STOCK 125750109 256 2500 SH
CARDINAL HEALTH COMMON STOCK 14149Y108 2798 51340 SH
CATALYTICA INC COMMON STOCK 148885106 600 40000 SH
CATERPILLAR INC COMMON STOCK 149123101 541 9864 SH
CATERPILLAR INC COMMON STOCK 149123101 22 400 SH
CATERPILLAR INC COMMON STOCK 149123101 153 2800 SH
CELLSTAR CORP COMMON STOCK 150925105 150 20000 SH
CHASE MANHATTAN CORP COMMON STOCK 16161A108 1152 15285 SH
CHEVRON CORP COMMON STOCK 166751107 1635 18417 SH
CHEVRON CORP COMMON STOCK 166751107 94 1064 SH
CHEVRON CORP COMMON STOCK 166751107 143 1610 SH
CHEVRON CORP COMMON STOCK 166751107 53 600 SH
CHIQUITA BRANDS INTL INC COMMON STOCK 170032106 37 6200 SH
CHIQUITA BRANDS INTL INC COMMON STOCK 170032106 1781 300000 SH
CHIQUITA BRANDS INTL INC COMMON STOCK 170032106 19 3212 SH
CINCINNATI BELL INC COMMON STOCK 171870108 2156 110941 SH
CINCINNATI BELL INC COMMON STOCK 171870108 486 24988 SH
CINCINNATI BELL INC COMMON STOCK 171870108 6 300 SH
CINERGY CORP COMMON STOCK 172474108 626 22103 SH
CINERGY CORP COMMON STOCK 172474108 13 450 SH
CINERGY CORP COMMON STOCK 172474108 55 1945 SH
CINERGY CORP COMMON STOCK 172474108 40 1415 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 17769 259159 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 63 924 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 156 2280 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 309 4500 SH
CINTAS CORP COMMON STOCK 172908105 2091 36175 SH
CINTAS CORP COMMON STOCK 172908105 12 200 SH
CITIGROUP INC COMMON STOCK 172967101 5352 121642 SH
CITIGROUP INC COMMON STOCK 172967101 40 900 SH
CITIGROUP INC COMMON STOCK 172967101 4 96 SH
CITIGROUP INC COMMON STOCK 172967101 30 675 SH
CLEAR CHANNEL COMMUNICATION COMMON STOCK 184502102 492 6162 SH
CLOROX CO COMMON STOCK 189054109 1674 43753 SH
COCA COLA CO COMMON STOCK 191216100 5304 109929 SH
COCA COLA CO COMMON STOCK 191216100 367 7600 SH
COCA COLA CO COMMON STOCK 191216100 1234 25585 SH
COCA COLA CO COMMON STOCK 191216100 176 3650 SH
COMAIR HOLDING, INC. COMMON STOCK 199789108 349 20900 SH
COMAIR HOLDING, INC. COMMON STOCK 199789108 38 2250 SH
COMVERSE TECHNOLOGY INC COMMON STOCK 205862402 844 8950 SH
CONAGRA, INC. COMMON STOCK 205887102 751 33300 SH
CONAGRA, INC. COMMON STOCK 205887102 77 3400 SH
CONAGRA, INC. COMMON STOCK 205887102 7 300 SH
CONSOLIDATED GRAPHICS INC COMMON STOCK 209341106 211 5000 SH
CONVERGYS CORP COMMON STOCK 212485106 1300 65623 SH
CONVERGYS CORP COMMON STOCK 212485106 10 500 SH
CONVERGYS CORP COMMON STOCK 212485106 507 25588 SH
CONVERGYS CORP COMMON STOCK 212485106 6 300 SH
COOPER IND INC COMMON STOCK 216669101 505 10800 SH
COUNTRYWIDE MUTUAL FUNDS FI 221910201 123 11876 SH
COX RADIO INC-CL A COMMON STOCK 224051102 595 10000 SH
DAYTON HUDSON CORP COMMON STOCK 239753106 416 6932 SH
DEERE & CO. COMMON STOCK 244199105 123 3170 SH
DEERE & CO. COMMON STOCK 244199105 93 2400 SH
DELL COMPUTER CORP COMMON STOCK 247025109 10898 260641 SH
DELL COMPUTER CORP COMMON STOCK 247025109 17 400 SH
DELL COMPUTER CORP COMMON STOCK 247025109 28 680 SH
DELL COMPUTER CORP COMMON STOCK 247025109 49 1175 SH
DELPHI AUTOMOTIVE SYSTEMS COMMON STOCK 247126105 404 25137 SH
DELPHI AUTOMOTIVE SYSTEMS COMMON STOCK 247126105 4 279 SH
DELPHI AUTOMOTIVE SYSTEMS COMMON STOCK 247126105 11 698 SH
DIGI INTL INC COMMON STOCK 253798102 109 10000 SH
DISNEY WALT HLDG CO COMMON STOCK 254687106 1503 57806 SH
DISNEY WALT HLDG CO COMMON STOCK 254687106 3 100 SH
DISNEY WALT HLDG CO COMMON STOCK 254687106 44 1700 SH
DOW CHEM CO COMMON STOCK 260543103 69 604 SH
DOW CHEM CO COMMON STOCK 260543103 170 1500 SH
DOW CHEM CO COMMON STOCK 260543103 51 450 SH
DOW CHEM CO COMMON STOCK 260543103 57 500 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 1365 22568 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 532 8800 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 85 1400 SH
DUFF/PHELPS SELECT UTIL COMMON STOCK 264324104 32 3300 SH
DUFF/PHELPS SELECT UTIL COMMON STOCK 264324104 92 9500 SH
EMC CORPORATION COMMON STOCK 268648102 11814 165519 SH
EMC CORPORATION COMMON STOCK 268648102 50 700 SH
EMC CORPORATION COMMON STOCK 268648102 91 1276 SH
EMC CORPORATION COMMON STOCK 268648102 39 550 SH
EATON VANCE CORP COMMON STOCK 278265103 320 10000 SH
EBAY INC COMMON STOCK 278642103 3379 23952 SH
EBAY INC COMMON STOCK 278642103 8 60 SH
EBAY INC COMMON STOCK 278642103 4 30 SH
EMERSON ELEC CO. COMMON STOCK 291011104 515 8150 SH
EMERSON ELEC CO. COMMON STOCK 291011104 152 2400 SH
EMERSON ELEC CO. COMMON STOCK 291011104 120 1900 SH
ENRON CORP COMMON STOCK 293561106 683 16624 SH
ENRON CORP COMMON STOCK 293561106 25 600 SH
EXODUS COMMUNICATIONS INC COMMON STOCK 302088109 2138 29671 SH
EXXON CORP COMMON STOCK 302290101 5519 72612 SH
EXXON CORP COMMON STOCK 302290101 711 9350 SH
EXXON CORP COMMON STOCK 302290101 928 12214 SH
EXXON CORP COMMON STOCK 302290101 233 3064 SH
FDX CORP COMMON STOCK 31304N107 272 7000 SH
FANNIE MAE COMMON STOCK 313586109 6181 98601 SH
FANNIE MAE COMMON STOCK 313586109 9 150 SH
FANNIE MAE COMMON STOCK 313586109 27 428 SH
FANNIE MAE COMMON STOCK 313586109 28 450 SH
FEDERATED MUTUAL FUNDS EQ 313900102 657 17795 SH
FEDERATED MUTUAL FUNDS FI 314184102 1404 128485 SH
FEDERATED MUTUAL FUNDS FI 314184102 444 40600 SH
FEDERATED MUTUAL FUNDS FI 314184102 125 11407 SH
FEDERATED MUTUAL FUNDS FI 314184102 25 2252 SH
FEDERATED MUTUAL FUNDS FI 314284100 454 46104 SH
FEDERATED MUTUAL FUNDS FI 31428P103 370 35172 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 1706 28038 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 947 15565 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 2340 38462 SH
FILENET CORP COMMON STOCK 316869106 214 20000 SH
FIRST UNION CORP COMMON STOCK 337358105 517 14500 SH
FIRST UNION CORP COMMON STOCK 337358105 82 2300 SH
FIRST VA BKS INC COMMON STOCK 337477103 379 8700 SH
FIRSTAR CORP COMMON STOCK 33763V109 3041 118667 SH
FIRSTAR CORP COMMON STOCK 33763V109 2030 79200 SH
FIRSTAR CORP COMMON STOCK 33763V109 23 900 SH
FORD MOTOR CO COMMON STOCK 345370100 2297 45705 SH
FORD MOTOR CO COMMON STOCK 345370100 183 3634 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 419 13000 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 26 800 SH
FRANKLIN MUTUAL FUNDS FI 353496607 68 10264 SH
GTE CORP COMMON STOCK 362320103 1246 16209 SH
GANNETT INC COMMON STOCK 364730101 1245 17988 SH
GANNETT INC COMMON STOCK 364730101 55 800 SH
GANNETT INC COMMON STOCK 364730101 277 4000 SH
GANNETT INC COMMON STOCK 364730101 55 800 SH
GAP INC COMMON STOCK 364760108 3109 97151 SH
GAP INC COMMON STOCK 364760108 9 280 SH
GAP INC COMMON STOCK 364760108 4 139 SH
GAP INC COMMON STOCK 364760108 23 730 SH
GATEWAY MUTUAL FUNDS FI 367829207 422 18664 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 16910 142625 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 542 4574 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 1572 13262 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 652 5500 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 492 7815 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 25 400 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 63 1000 SH
GEMTEX CORP COMMON STOCK 371901109 661 32000 SH
GILLETTE CO COMMON STOCK 375766102 1580 46543 SH
GILLETTE CO COMMON STOCK 375766102 44 1300 SH
GILLETTE CO COMMON STOCK 375766102 149 4400 SH
HALLIBURTON CO COMMON STOCK 406216101 467 11400 SH
JOHN HANCOCK MUTUAL FUNDS EQ 409905106 359 7835 SH
H J HEINZ CO. COMMON STOCK 423074103 636 14800 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 4277 47128 SH
HIGH SPEED ACCESS CORP COMMON STOCK 42979U102 413 17985 SH
HOME DEPOT INC COMMON STOCK 437076102 7903 115161 SH
HOME DEPOT INC COMMON STOCK 437076102 19 270 SH
HOME DEPOT INC COMMON STOCK 437076102 33 487 SH
HOME DEPOT INC COMMON STOCK 437076102 23 335 SH
INTEL CORP COMMON STOCK 458140100 11877 159823 SH
INTEL CORP COMMON STOCK 458140100 325 4380 SH
INTEL CORP COMMON STOCK 458140100 90 1210 SH
INTEL CORP COMMON STOCK 458140100 123 1650 SH
IBM CORP COMMON STOCK 459200101 2783 22996 SH
IBM CORP COMMON STOCK 459200101 194 1600 SH
IBM CORP COMMON STOCK 459200101 387 3200 SH
IBM CORP COMMON STOCK 459200101 352 2912 SH
FEDERATED MUTUAL FUNDS EQ 46031P308 830 37038 SH
INTIMATE BRANDS COMMON STOCK 461156101 417 10710 SH
I 2 TECHNOLOGIES INC. COMMON STOCK 465754109 466 12000 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 4914 53489 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 184 2000 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 368 4000 SH
KIMBERLY CLARK COMMON STOCK 494368103 1486 28179 SH
KIMBERLY CLARK COMMON STOCK 494368103 662 12544 SH
KIMBERLY CLARK COMMON STOCK 494368103 66 1248 SH
KOHLS CORP COMMON STOCK 500255104 522 7900 SH
LCA-VISION INC COMMON STOCK 501803209 54 10200 SH
LG&E ENERGY CORP COMMON STOCK 501917108 202 9496 SH
LG&E ENERGY CORP COMMON STOCK 501917108 19 900 SH
LG&E ENERGY CORP COMMON STOCK 501917108 134 6300 SH
LG&E ENERGY CORP COMMON STOCK 501917108 45 2100 SH
LEGG MASON INC COMMON STOCK 524901105 766 20000 SH
ELI LILLY & CO COMMON STOCK 532457108 2909 45328 SH
ELI LILLY & CO COMMON STOCK 532457108 32 500 SH
ELI LILLY & CO COMMON STOCK 532457108 87 1362 SH
ELI LILLY & CO COMMON STOCK 532457108 10 150 SH
LINCOLN NATL CORP COMMON STOCK 534187109 165 4400 SH
LINCOLN NATL CORP COMMON STOCK 534187109 45 1200 SH
LINCOLN NATL CORP COMMON STOCK 534187109 85 2262 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 7597 117095 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 139 2150 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 188 2902 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 56 864 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 7603 105785 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 21 289 SH
MAPQUEST.COM COMMON STOCK 565644101 178 15000 SH
MARSH & MCLENNAN COS. INC. COMMON STOCK 571748102 1307 19080 SH
MARSH & MCLENNAN COS. INC. COMMON STOCK 571748102 82 1200 SH
MAY DEPARTMENT STORES COMMON STOCK 577778103 564 15469 SH
MCDONALDS CORP COMMON STOCK 580135101 700 16178 SH
MCDONALDS CORP COMMON STOCK 580135101 69 1600 SH
MCDONALDS CORP COMMON STOCK 580135101 69 1600 SH
MEDIMMUNE COMMON STOCK 584699102 1026 10300 SH
MELLON BANK COMMON STOCK 585509102 779 23163 SH
MELLON BANK COMMON STOCK 585509102 4 116 SH
MERCK & CO INC COMMON STOCK 589331107 6211 95826 SH
MERCK & CO INC COMMON STOCK 589331107 415 6400 SH
MERCK & CO INC COMMON STOCK 589331107 257 3960 SH
MERCK & CO INC COMMON STOCK 589331107 33 510 SH
MERRILL LYNCH & CO COMMON STOCK 590188108 361 5358 SH
MICROSOFT CORP COMMON STOCK 594918104 16885 186444 SH
MICROSOFT CORP COMMON STOCK 594918104 54 600 SH
MICROSOFT CORP COMMON STOCK 594918104 667 7370 SH
MICROSOFT CORP COMMON STOCK 594918104 53 580 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 1609 16749 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 528 5500 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 77 800 SH
MOBIL CORP COMMON STOCK 607059102 939 9325 SH
MONSANTO CO COMMON STOCK 611662107 553 15500 SH
MONSANTO CO COMMON STOCK 611662107 36 1000 SH
MORGAN J.P. & CO INC COMMON STOCK 616880100 1208 10573 SH
MORGAN J.P. & CO INC COMMON STOCK 616880100 29 250 SH
MORGAN J.P. & CO INC COMMON STOCK 616880100 91 800 SH
MORGAN J.P. & CO INC COMMON STOCK 616880100 57 500 SH
MOTOROLA INC COMMON STOCK 620076109 880 10000 SH
MOTOROLA INC COMMON STOCK 620076109 141 1600 SH
MOTOROLA INC COMMON STOCK 620076109 18 200 SH
NATIONAL CITY CORP COMMON STOCK 635405103 950 35596 SH
NATIONAL CITY CORP COMMON STOCK 635405103 5 200 SH
NATL COMMERCE BANCORP COMMON STOCK 635449101 362 16500 SH
NETSILICON INC COMMON STOCK 64115X105 1090 85500 SH
NETWORK SOLUTIONS INC-CL-A COMMON STOCK 64121Q102 2164 23555 SH
NORFOLK SOUTHN CORP COMMON STOCK 655844108 126 5130 SH
NORFOLK SOUTHN CORP COMMON STOCK 655844108 282 11517 SH
NSTAR COMMON STOCK 67019E107 343 8859 SH
NSTAR COMMON STOCK 67019E107 11 296 SH
O'REILLY AUTOMOTIVE INC. COMMON STOCK 686091109 334 7000 SH
PNC BANK CORP COMMON STOCK 693475105 98 1856 SH
PNC BANK CORP COMMON STOCK 693475105 464 8800 SH
PNC BANK CORP COMMON STOCK 693475105 200 3798 SH
PAPA JOHN INTERNATIONAL INC COMMON STOCK 698813102 235 5700 SH
PENNEY, J.C. INC COMMON STOCK 708160106 440 12750 SH
PENNEY, J.C. INC COMMON STOCK 708160106 42 1216 SH
PEPSICO INC COMMON STOCK 713448108 805 26400 SH
PEPSICO INC COMMON STOCK 713448108 214 7000 SH
PEPSICO INC COMMON STOCK 713448108 62 2025 SH
PFIZER INC COMMON STOCK 717081103 6991 194865 SH
PFIZER INC COMMON STOCK 717081103 788 21975 SH
PFIZER INC COMMON STOCK 717081103 478 13311 SH
PFIZER INC COMMON STOCK 717081103 19 525 SH
PHILIP MORRIS CO. INC. COMMON STOCK 718154107 165 4840 SH
PHILIP MORRIS CO. INC. COMMON STOCK 718154107 23 675 SH
PHILIP MORRIS CO. INC. COMMON STOCK 718154107 552 16139 SH
PIEDMONT NATURAL GAS CO COMMON STOCK 720186105 563 18575 SH
PIEDMONT NATURAL GAS CO COMMON STOCK 720186105 24 800 SH
PITNEY-BOWES, INC. COMMON STOCK 724479100 2116 34723 SH
PLEXUS CORP COMMON STOCK 729132100 459 15000 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 13337 142266 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 495 5281 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 4852 51756 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 197 2100 SH
PROVIDENT FINANCIAL GROUP INC COMMON STOCK 743866105 18608 508932 SH
PROVIDENT FINANCIAL GROUP INC COMMON STOCK 743866105 100 2745 SH
PROVIDENT FINANCIAL GROUP INC COMMON STOCK 743866105 16 450 SH
PROVIDIAN FINANCIAL CORP COMMON STOCK 74406A102 238 3000 SH
PROVIDIAN FINANCIAL CORP COMMON STOCK 74406A102 143 1800 SH
PUTNAM MUTUAL FUNDS FI 746704105 210 19534 SH
PUTNAM MUTUAL FUNDS FI 74678J104 190 24529 SH
QWEST COMMUNICATIONS INTL COMMON STOCK 749121109 272 9200 SH
REALNETWORKS INC COMMON STOCK 75605L104 680 6500 SH
RHYTHMS NETCONNECTIONS INC COMMON STOCK 762430205 207 6000 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 12049 1309719 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 440 47846 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 493 53575 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 508 55179 SH
RIVERFRONT MUTUAL FUNDS EQ 768709404 473 46375 SH
RIVERFRONT MUTUAL FUNDS EQ 768709404 263 25799 SH
RIVERFRONT MUTUAL FUNDS EQ 768709404 20 1973 SH
RIVERFRONT MUTUAL FUNDS BA 768709602 431 32417 SH
RIVERFRONT MUTUAL FUNDS BA 768709602 123 9259 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 42428 2880411 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 1002 68033 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 2873 195063 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 4118 279542 SH
RIVERFRONT MUTUAL FUNDS EQ 768709867 1932 243284 SH
ROCKWELL INTL CORP COMMON STOCK 773903109 551 10500 SH
ROHM & HAAS CO COMMON STOCK 775371107 549 15200 SH
ROHM & HAAS CO COMMON STOCK 775371107 8 221 SH
ROYAL DUTCH PETROLEUM CO FOREIGN STOCK 780257804 1329 22500 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 1341 26270 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 91 1784 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 80 1570 SH
SEI INVESTMENTS COMPANY COMMON STOCK 784117103 607 6800 SH
SANMINA CORPORATION COMMON STOCK 800907107 890 11500 SH
SCANA CORP COMMON STOCK 805898103 566 23400 SH
SCANA CORP COMMON STOCK 805898103 24 1000 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 3392 77765 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 9 200 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 38 882 SH
SCHLUMBERGER LTD FOREIGN STOCK 806857108 774 12420 SH
SCHLUMBERGER LTD FOREIGN STOCK 806857108 23 377 SH
SCHLUMBERGER LTD FOREIGN STOCK 806857108 12 200 SH
SCHWAB (CHARLES) CORP COMMON STOCK 808513105 6013 179819 SH
SCHWAB (CHARLES) CORP COMMON STOCK 808513105 65 1950 SH
SCHWAB (CHARLES) CORP COMMON STOCK 808513105 4 106 SH
SCHWAB (CHARLES) CORP COMMON STOCK 808513105 14 430 SH
SMITHKLINE BEECHAM FOREIGN STOCK 832378301 138 2400 SH
SMITHKLINE BEECHAM FOREIGN STOCK 832378301 184 3200 SH
SPORTSLINE USA INC COMMON STOCK 848934105 237 8000 SH
SPRINT CORP COMMON STOCK 852061100 114 2110 SH
SPRINT CORP COMMON STOCK 852061100 116 2134 SH
STAPLES INC. COMMON STOCK 855030102 5346 245073 SH
STAPLES INC. COMMON STOCK 855030102 12 562 SH
STAPLES INC. COMMON STOCK 855030102 22 1012 SH
STAPLES INC. COMMON STOCK 855030102 10 450 SH
STATE STREET CORP COMMON STOCK 857477103 755 11678 SH
SUMMIT BANCORP COMMON STOCK 866005101 519 16000 SH
SUN MICROSYSTEMS INC COMMON STOCK 866810104 537 5775 SH
TEMPLE INLAND INC. COMMON STOCK 879868107 781 12800 SH
TEXACO INC COMMON STOCK 881694103 2348 37203 SH
TEXACO INC COMMON STOCK 881694103 63 1000 SH
TEXACO INC COMMON STOCK 881694103 508 8050 SH
TEXACO INC COMMON STOCK 881694103 152 2400 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 2829 34398 SH
THOMAS & BETTS CORP COMMON STOCK 884315102 296 5800 SH
TIME WARNER INC COMMON STOCK 887315109 6124 100814 SH
TIME WARNER INC COMMON STOCK 887315109 6 100 SH
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 8643 83711 SH
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 15 150 SH
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 43 413 SH
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 21 200 SH
VANGUARD MUTUAL FUNDS FI 921929204 3484 309448 SH
VANGUARD MUTUAL FUNDS FI 921929204 91 8074 SH
VANGUARD MUTUAL FUNDS FI 921929204 943 83745 SH
VISX INC COMMON STOCK 92844S105 459 5800 SH
VITESSE SEMICONDUCTOR CORP COMMON STOCK 928497106 1033 12100 SH
VODAFONE AIRTOUCH PLC COMMON STOCK 92857T107 138 582 SH
VODAFONE AIRTOUCH PLC COMMON STOCK 92857T107 48 200 SH
VODAFONE AIRTOUCH PLC COMMON STOCK 92857T107 71 300 SH
WACHOVIA CORP COMMON STOCK 929771103 79 1000 SH
WACHOVIA CORP COMMON STOCK 929771103 79 1000 SH
WACHOVIA CORP COMMON STOCK 929771103 47 600 SH
WAL-MART STORES INC COMMON STOCK 931142103 9633 202530 SH
WAL-MART STORES INC COMMON STOCK 931142103 24 500 SH
WAL-MART STORES INC COMMON STOCK 931142103 144 3032 SH
WAL-MART STORES INC COMMON STOCK 931142103 59 1250 SH
WALGREEN CO COMMON STOCK 931422109 5900 232511 SH
WALGREEN CO COMMON STOCK 931422109 4 176 SH
WALGREEN CO COMMON STOCK 931422109 11 440 SH
WARNER LAMBERT CO COMMON STOCK 934488107 6201 93420 SH
WARNER LAMBERT CO COMMON STOCK 934488107 9 130 SH
WARNER LAMBERT CO COMMON STOCK 934488107 32 480 SH
WARNER LAMBERT CO COMMON STOCK 934488107 9 137 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 255 6440 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 159 4000 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 277 7000 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 18 450 SH
WILLAMETTE IND INC COMMON STOCK 969133107 694 16100 SH
WORLDTEX INC COMMON STOCK 981907108 581 281642 SH
XEROX CORP COMMON STOCK 984121103 1350 32200 SH
XEROX CORP COMMON STOCK 984121103 101 2400 SH
YAHOO! INC. COMMON STOCK 984332106 741 4130 SH
LERNOUT & HAUSPIE SPEECH PRO FOREIGN STOCK B5628B104 279 8000 SH
TOMMY HILFIGER COMMON STOCK G8915Z102 282 10000 SH
BIOMEDICAL DISPOSAL, INC. COMMON STOCK MISCE2XM8 120 40000 SH
NAME OF ISSUER INVSTMT OTHER VOTING AUTHORITY
SECURITY NAME DISCRTN MANAGERS SOLE SHARED NONE
AT&T CORP SOLE 86283
AT&T CORP SOLE 16962
AT&T CORP DEFINED 3811
AT&T CORP OTHER 2400
ABBOTT LABS SOLE 43600
ABBOTT LABS OTHER 6400
ABERCROMBIE & FITCH CO SOLE 12000
AEGON N.V. OTHER 1736
AEGON N.V. DEF/OTH 1042
ALLSTATE CORP SOLE 1296
ALLSTATE CORP DEFINED 3054
ALLSTATE CORP OTHER 3388
ALLSTATE CORP DEF/OTH 740
AMAZON COM INC SOLE 36974
AMAZON COM INC SOLE 6430
AMAZON COM INC DEFINED 190
AMAZON COM INC DEF/OTH 200
AMERICA ONLINE INC SOLE 126962
AMERICA ONLINE INC SOLE 13864
AMERICA ONLINE INC DEFINED 280
AMERICA ONLINE INC DEFINED 210
AMERICA ONLINE INC OTHER 640
AMERICA ONLINE INC DEF/OTH 1130
AMERICA ONLINE INC DEF/OTH 867
AMERICAN ANNUITY GROUP INC DEFINED 608402
AMERICAN EAGLE OUTFITTERS SOLE 8000
AMERICAN EXPRESS CO SOLE 24580
AMERICAN EXPRESS CO DEFINED 200
AMERICAN EXPRESS CO OTHER 2000
AMERICAN HOME PRODUCTS CORP SOLE 6462
AMERICAN HOME PRODUCTS CORP OTHER 14800
AMERICAN HOME PRODUCTS CORP DEF/OTH 7600
AMER INTL GROUP INC SOLE 90137
AMER INTL GROUP INC SOLE 10778
AMER INTL GROUP INC OTHER 3224
AMER INTL GROUP INC DEF/OTH 360
AMER INTL GROUP INC DEF/OTH 160
AMERICAN ITALIAN PASTA CO SOLE 20000
AMERICAN PWR CONVERSION CORP SOLE 21000
AMERITECH CORP NEW SOLE 35052
AMERITECH CORP NEW DEFINED 1200
AMERITECH CORP NEW OTHER 14400
AMERITECH CORP NEW DEF/OTH 2400
AMGEN INC SOLE 16604
AMGEN INC SOLE 3979
AMGEN INC DEFINED 1400
ANHEUSER-BUSCH COS INC. SOLE 3000
ARIBA INC SOLE 11192
ARIBA INC SOLE 2050
ARIBA INC DEF/OTH 90
ASSOCIATES FIRST CAPITAL CORP SOLE 11846
ASSOCIATES FIRST CAPITAL CORP OTHER 1780
ATLANTIC RICHFIELD CO SOLE 300
ATLANTIC RICHFIELD CO SOLE 6200
ATLANTIC RICHFIELD CO DEFINED 200
AUTOMATIC DATA PROCESSING SOLE 25400
BP AMOCO PLC-SPONS ADR SOLE 15765
BP AMOCO PLC-SPONS ADR OTHER 5424
BP AMOCO PLC-SPONS ADR DEF/OTH 1190
BAKER HUGHES INC SOLE 15200
BANK OF AMERICA CORP SOLE 26969
BANK OF AMERICA CORP SOLE 8923
BANK OF AMERICA CORP DEFINED 889
BANK OF AMERICA CORP OTHER 48
BANK OF AMERICA CORP DEF/OTH 113
BANK ONE CORP SOLE 1872
BANK ONE CORP SOLE 19696
BANK ONE CORP DEFINED 605
BANK ONE CORP OTHER 101
BAUSCH & LOMB INC SOLE 5000
BAUSCH & LOMB INC OTHER 111
BED BATH & BEYOND INC SOLE 22000
BELL ATLANTIC CORP SOLE 4260
BELL ATLANTIC CORP DEFINED 1758
BELLSOUTH CORP SOLE 35602
BELLSOUTH CORP SOLE 739
BELLSOUTH CORP DEFINED 1200
BELLSOUTH CORP OTHER 12875
BELLSOUTH CORP DEF/OTH 1620
BERKSHIRE HATHAWAY INC DEL SOLE 14
BEST FOODS SOLE 15040
BEST FOODS DEFINED 4800
BEST FOODS OTHER 5650
BOEING CO. SOLE 10900
BOEING CO. DEF/OTH 2098
BRISTOL MYERS SQUIBB CO SOLE 93560
BRISTOL MYERS SQUIBB CO SOLE 5450
BRISTOL MYERS SQUIBB CO DEFINED 600
BRISTOL MYERS SQUIBB CO OTHER 13250
BRISTOL MYERS SQUIBB CO DEF/OTH 400
BROADCOM CORP - CL A SOLE 3080
BROADCOM CORP - CL A SOLE 85
BUILDING ONE SERVICES CORP SOLE 35924
BURLINGTON RESOURCES INC SOLE 10600
BURLINGTON RESOURCES INC OTHER 1
CMGI INC SOLE 2500
CARDINAL HEALTH SOLE 49286
CARDINAL HEALTH SOLE 2054
CATALYTICA INC SOLE 40000
CATERPILLAR INC SOLE 9864
CATERPILLAR INC DEFINED 400
CATERPILLAR INC OTHER 2800
CELLSTAR CORP SOLE 20000
CHASE MANHATTAN CORP SOLE 6565
CHASE MANHATTAN CORP SOLE 8720
CHEVRON CORP SOLE 13637
CHEVRON CORP SOLE 4780
CHEVRON CORP DEFINED 1064
CHEVRON CORP OTHER 1610
CHEVRON CORP DEF/OTH 600
CHIQUITA BRANDS INTL INC SOLE 6200
CHIQUITA BRANDS INTL INC DEFINED 300000
CHIQUITA BRANDS INTL INC DEF/OTH 3212
CINCINNATI BELL INC SOLE 110941
CINCINNATI BELL INC OTHER 24988
CINCINNATI BELL INC DEF/OTH 300
CINERGY CORP SOLE 13103
CINERGY CORP SOLE 9000
CINERGY CORP DEFINED 450
CINERGY CORP OTHER 1945
CINERGY CORP DEF/OTH 1415
CISCO SYSTEMS INC SOLE 233204
CISCO SYSTEMS INC SOLE 25955
CISCO SYSTEMS INC DEFINED 524
CISCO SYSTEMS INC DEFINED 400
CISCO SYSTEMS INC OTHER 2280
CISCO SYSTEMS INC DEF/OTH 3900
CISCO SYSTEMS INC DEF/OTH 600
CINTAS CORP SOLE 32110
CINTAS CORP SOLE 4065
CINTAS CORP OTHER 200
CITIGROUP INC SOLE 95378
CITIGROUP INC SOLE 26264
CITIGROUP INC DEFINED 900
CITIGROUP INC OTHER 96
CITIGROUP INC DEF/OTH 300
CITIGROUP INC DEF/OTH 375
CLEAR CHANNEL COMMUNICATION SOLE 6162
CLOROX CO SOLE 33072
CLOROX CO SOLE 10681
COCA COLA CO SOLE 107317
COCA COLA CO SOLE 2612
COCA COLA CO DEFINED 7600
COCA COLA CO OTHER 25585
COCA COLA CO DEF/OTH 3500
COCA COLA CO DEF/OTH 150
COMAIR HOLDING, INC. SOLE 20900
COMAIR HOLDING, INC. DEFINED 2250
COMVERSE TECHNOLOGY INC SOLE 8950
CONAGRA, INC. SOLE 33300
CONAGRA, INC. OTHER 3400
CONAGRA, INC. DEF/OTH 300
CONSOLIDATED GRAPHICS INC SOLE 5000
CONVERGYS CORP SOLE 65623
CONVERGYS CORP DEFINED 500
CONVERGYS CORP OTHER 25588
CONVERGYS CORP DEF/OTH 300
COOPER IND INC SOLE 10800
COUNTRYWIDE OTHER 11876
COX RADIO INC-CL A SOLE 10000
DAYTON HUDSON CORP SOLE 332
DAYTON HUDSON CORP SOLE 6600
DEERE & CO. SOLE 3170
DEERE & CO. OTHER 2400
DELL COMPUTER CORP SOLE 226709
DELL COMPUTER CORP SOLE 33932
DELL COMPUTER CORP DEFINED 400
DELL COMPUTER CORP OTHER 680
DELL COMPUTER CORP DEF/OTH 575
DELL COMPUTER CORP DEF/OTH 600
DELPHI AUTOMOTIVE SYSTEMS SOLE 1267
DELPHI AUTOMOTIVE SYSTEMS SOLE 23870
DELPHI AUTOMOTIVE SYSTEMS DEFINED 279
DELPHI AUTOMOTIVE SYSTEMS OTHER 698
DIGI INTL INC SOLE 10000
DISNEY WALT HLDG CO SOLE 31256
DISNEY WALT HLDG CO SOLE 26550
DISNEY WALT HLDG CO DEFINED 100
DISNEY WALT HLDG CO OTHER 1700
DOW CHEM CO SOLE 514
DOW CHEM CO SOLE 90
DOW CHEM CO DEFINED 1500
DOW CHEM CO OTHER 450
DOW CHEM CO DEF/OTH 500
DU PONT E I DE NEMOURS & CO SOLE 22568
DU PONT E I DE NEMOURS & CO OTHER 8800
DU PONT E I DE NEMOURS & CO DEF/OTH 1400
DUFF/PHELPS SELECT UTIL SOLE 3300
DUFF/PHELPS SELECT UTIL DEF/OTH 9500
EMC CORPORATION SOLE 148572
EMC CORPORATION SOLE 16947
EMC CORPORATION DEFINED 300
EMC CORPORATION DEFINED 400
EMC CORPORATION OTHER 1276
EMC CORPORATION DEF/OTH 300
EMC CORPORATION DEF/OTH 250
EATON VANCE CORP SOLE 10000
EBAY INC SOLE 20402
EBAY INC SOLE 3550
EBAY INC DEFINED 60
EBAY INC DEF/OTH 30
EMERSON ELEC CO. SOLE 8150
EMERSON ELEC CO. DEFINED 2400
EMERSON ELEC CO. OTHER 1900
ENRON CORP SOLE 224
ENRON CORP SOLE 16400
ENRON CORP DEF/OTH 600
EXODUS COMMUNICATIONS INC SOLE 23616
EXODUS COMMUNICATIONS INC SOLE 6055
EXXON CORP SOLE 56710
EXXON CORP SOLE 15902
EXXON CORP DEFINED 9350
EXXON CORP OTHER 12214
EXXON CORP DEF/OTH 2232
EXXON CORP DEF/OTH 832
FDX CORP SOLE 7000
FANNIE MAE SOLE 82994
FANNIE MAE SOLE 15607
FANNIE MAE DEFINED 150
FANNIE MAE OTHER 428
FANNIE MAE DEF/OTH 450
FEDERATED SOLE 17795
FEDERATED SOLE 122279
FEDERATED SOLE 6206
FEDERATED DEFINED 40600
FEDERATED OTHER 11407
FEDERATED DEF/OTH 2252
FEDERATED SOLE 46104
FEDERATED SOLE 32727
FEDERATED SOLE 2445
FIFTH THIRD BANCORP SOLE 28038
FIFTH THIRD BANCORP DEFINED 15565
FIFTH THIRD BANCORP OTHER 38462
FILENET CORP SOLE 20000
FIRST UNION CORP SOLE 3700
FIRST UNION CORP SOLE 10800
FIRST UNION CORP DEFINED 2300
FIRST VA BKS INC SOLE 8700
FIRSTAR CORP SOLE 117384
FIRSTAR CORP SOLE 1283
FIRSTAR CORP DEFINED 79200
FIRSTAR CORP OTHER 900
FORD MOTOR CO SOLE 35355
FORD MOTOR CO SOLE 10350
FORD MOTOR CO OTHER 3634
FORTUNE BRANDS INC SOLE 13000
FORTUNE BRANDS INC OTHER 800
FRANKLIN SOLE 10264
GTE CORP SOLE 1674
GTE CORP SOLE 14535
GANNETT INC SOLE 17988
GANNETT INC DEFINED 800
GANNETT INC OTHER 4000
GANNETT INC DEF/OTH 800
GAP INC SOLE 88782
GAP INC SOLE 8369
GAP INC DEFINED 280
GAP INC OTHER 139
GAP INC DEF/OTH 393
GAP INC DEF/OTH 337
GATEWAY SOLE 18664
GENERAL ELECTRIC CO SOLE 126088
GENERAL ELECTRIC CO SOLE 16537
GENERAL ELECTRIC CO DEFINED 4574
GENERAL ELECTRIC CO OTHER 13262
GENERAL ELECTRIC CO DEF/OTH 5100
GENERAL ELECTRIC CO DEF/OTH 400
GENERAL MOTORS CORP. SOLE 2277
GENERAL MOTORS CORP. SOLE 5538
GENERAL MOTORS CORP. DEFINED 400
GENERAL MOTORS CORP. OTHER 1000
GEMTEX CORP SOLE 32000
GILLETTE CO SOLE 46343
GILLETTE CO SOLE 200
GILLETTE CO DEFINED 1300
GILLETTE CO OTHER 4400
HALLIBURTON CO SOLE 11400
JOHN HANCOCK DEFINED 7835
H J HEINZ CO. SOLE 5100
H J HEINZ CO. SOLE 9700
HEWLETT PACKARD CO SOLE 38728
HEWLETT PACKARD CO SOLE 8400
HIGH SPEED ACCESS CORP SOLE 17650
HIGH SPEED ACCESS CORP SOLE 335
HOME DEPOT INC SOLE 108447
HOME DEPOT INC SOLE 6714
HOME DEPOT INC DEFINED 270
HOME DEPOT INC OTHER 487
HOME DEPOT INC DEF/OTH 120
HOME DEPOT INC DEF/OTH 215
INTEL CORP SOLE 143762
INTEL CORP SOLE 16061
INTEL CORP DEFINED 4380
INTEL CORP OTHER 1210
INTEL CORP DEF/OTH 1650
IBM CORP SOLE 22496
IBM CORP SOLE 500
IBM CORP DEFINED 1600
IBM CORP OTHER 3200
IBM CORP DEF/OTH 2912
FEDERATED SOLE 35808
FEDERATED SOLE 1230
INTIMATE BRANDS SOLE 10710
I 2 TECHNOLOGIES INC. SOLE 12000
JOHNSON & JOHNSON SOLE 49864
JOHNSON & JOHNSON SOLE 3625
JOHNSON & JOHNSON DEFINED 2000
JOHNSON & JOHNSON OTHER 4000
KIMBERLY CLARK SOLE 19579
KIMBERLY CLARK SOLE 8600
KIMBERLY CLARK DEFINED 12544
KIMBERLY CLARK OTHER 1248
KOHLS CORP SOLE 4650
KOHLS CORP SOLE 3250
LCA-VISION INC SOLE 10000
LCA-VISION INC SOLE 200
LG&E ENERGY CORP SOLE 9496
LG&E ENERGY CORP DEFINED 900
LG&E ENERGY CORP OTHER 6300
LG&E ENERGY CORP DEF/OTH 2100
LEGG MASON INC SOLE 20000
ELI LILLY & CO SOLE 38948
ELI LILLY & CO SOLE 6380
ELI LILLY & CO DEFINED 500
ELI LILLY & CO OTHER 1362
ELI LILLY & CO DEF/OTH 150
LINCOLN NATL CORP SOLE 4400
LINCOLN NATL CORP DEFINED 1200
LINCOLN NATL CORP OTHER 2262
LUCENT TECHNOLOGIES INC SOLE 97913
LUCENT TECHNOLOGIES INC SOLE 19182
LUCENT TECHNOLOGIES INC DEFINED 2150
LUCENT TECHNOLOGIES INC OTHER 2902
LUCENT TECHNOLOGIES INC DEF/OTH 256
LUCENT TECHNOLOGIES INC DEF/OTH 608
MCI WORLDCOM INC SOLE 89712
MCI WORLDCOM INC SOLE 16073
MCI WORLDCOM INC DEF/OTH 95
MCI WORLDCOM INC DEF/OTH 194
MAPQUEST.COM SOLE 15000
MARSH & MCLENNAN COS. INC. SOLE 19080
MARSH & MCLENNAN COS. INC. DEF/OTH 1200
MAY DEPARTMENT STORES SOLE 969
MAY DEPARTMENT STORES SOLE 14500
MCDONALDS CORP SOLE 3428
MCDONALDS CORP SOLE 12750
MCDONALDS CORP OTHER 1600
MCDONALDS CORP DEF/OTH 1600
MEDIMMUNE SOLE 10300
MELLON BANK SOLE 18851
MELLON BANK SOLE 4312
MELLON BANK OTHER 116
MERCK & CO INC SOLE 91424
MERCK & CO INC SOLE 4402
MERCK & CO INC DEFINED 6400
MERCK & CO INC OTHER 3960
MERCK & CO INC DEF/OTH 360
MERCK & CO INC DEF/OTH 150
MERRILL LYNCH & CO SOLE 1958
MERRILL LYNCH & CO SOLE 3400
MICROSOFT CORP SOLE 162581
MICROSOFT CORP SOLE 23863
MICROSOFT CORP DEFINED 300
MICROSOFT CORP DEFINED 300
MICROSOFT CORP OTHER 7370
MICROSOFT CORP DEF/OTH 220
MICROSOFT CORP DEF/OTH 360
MINNESOTA MINING & MFG CO SOLE 10424
MINNESOTA MINING & MFG CO SOLE 6325
MINNESOTA MINING & MFG CO OTHER 5500
MINNESOTA MINING & MFG CO DEF/OTH 800
MOBIL CORP SOLE 9325
MONSANTO CO SOLE 4500
MONSANTO CO SOLE 11000
MONSANTO CO DEFINED 1000
MORGAN J.P. & CO INC SOLE 6950
MORGAN J.P. & CO INC SOLE 3623
MORGAN J.P. & CO INC DEFINED 250
MORGAN J.P. & CO INC OTHER 800
MORGAN J.P. & CO INC DEF/OTH 500
MOTOROLA INC SOLE 10000
MOTOROLA INC OTHER 1600
MOTOROLA INC DEF/OTH 200
NATIONAL CITY CORP SOLE 35596
NATIONAL CITY CORP OTHER 200
NATL COMMERCE BANCORP SOLE 16500
NETSILICON INC SOLE 79500
NETSILICON INC SOLE 6000
NETWORK SOLUTIONS INC-CL-A SOLE 20515
NETWORK SOLUTIONS INC-CL-A SOLE 3040
NORFOLK SOUTHN CORP DEFINED 5130
NORFOLK SOUTHN CORP OTHER 11517
NSTAR SOLE 8859
NSTAR DEF/OTH 296
O'REILLY AUTOMOTIVE INC. SOLE 7000
PNC BANK CORP SOLE 1856
PNC BANK CORP DEFINED 8800
PNC BANK CORP DEF/OTH 3798
PAPA JOHN INTERNATIONAL INC SOLE 5700
PENNEY, J.C. INC SOLE 12750
PENNEY, J.C. INC DEFINED 1216
PEPSICO INC SOLE 26400
PEPSICO INC DEFINED 7000
PEPSICO INC DEF/OTH 2025
PFIZER INC SOLE 172774
PFIZER INC SOLE 22091
PFIZER INC DEFINED 21975
PFIZER INC OTHER 13311
PFIZER INC DEF/OTH 270
PFIZER INC DEF/OTH 255
PHILIP MORRIS CO. INC. SOLE 2610
PHILIP MORRIS CO. INC. SOLE 2230
PHILIP MORRIS CO. INC. DEFINED 675
PHILIP MORRIS CO. INC. OTHER 16139
PIEDMONT NATURAL GAS CO SOLE 2575
PIEDMONT NATURAL GAS CO SOLE 16000
PIEDMONT NATURAL GAS CO DEFINED 800
PITNEY-BOWES, INC. SOLE 27473
PITNEY-BOWES, INC. SOLE 7250
PLEXUS CORP SOLE 15000
PROCTER & GAMBLE CO. SOLE 132108
PROCTER & GAMBLE CO. SOLE 10158
PROCTER & GAMBLE CO. DEFINED 5281
PROCTER & GAMBLE CO. OTHER 51756
PROCTER & GAMBLE CO. DEF/OTH 2100
PROVIDENT FINANCIAL GROUP INC SOLE 491657
PROVIDENT FINANCIAL GROUP INC SOLE 17275
PROVIDENT FINANCIAL GROUP INC DEFINED 2745
PROVIDENT FINANCIAL GROUP INC OTHER 450
PROVIDIAN FINANCIAL CORP OTHER 3000
PROVIDIAN FINANCIAL CORP DEF/OTH 1800
PUTNAM SOLE 19534
PUTNAM SOLE 24529
QWEST COMMUNICATIONS INTL SOLE 8400
QWEST COMMUNICATIONS INTL SOLE 800
REALNETWORKS INC SOLE 6500
RHYTHMS NETCONNECTIONS INC SOLE 6000
RIVERFRONT SOLE 1290212
RIVERFRONT SOLE 19507
RIVERFRONT DEFINED 47846
RIVERFRONT OTHER 53575
RIVERFRONT DEF/OTH 55179
RIVERFRONT SOLE 44403
RIVERFRONT SOLE 1972
RIVERFRONT DEFINED 11373
RIVERFRONT DEFINED 14426
RIVERFRONT OTHER 1973
RIVERFRONT SOLE 30180
RIVERFRONT SOLE 2237
RIVERFRONT DEFINED 9259
RIVERFRONT SOLE 2826844
RIVERFRONT SOLE 53567
RIVERFRONT DEFINED 55908
RIVERFRONT DEFINED 12125
RIVERFRONT OTHER 195063
RIVERFRONT DEF/OTH 279542
RIVERFRONT SOLE 233885
RIVERFRONT SOLE 9399
ROCKWELL INTL CORP SOLE 10500
ROHM & HAAS CO SOLE 15200
ROHM & HAAS CO DEFINED 221
ROYAL DUTCH PETROLEUM CO SOLE 14500
ROYAL DUTCH PETROLEUM CO SOLE 8000
SBC COMMUNICATIONS SOLE 26270
SBC COMMUNICATIONS DEFINED 1784
SBC COMMUNICATIONS OTHER 1570
SEI INVESTMENTS COMPANY SOLE 6800
SANMINA CORPORATION SOLE 11500
SCANA CORP SOLE 2400
SCANA CORP SOLE 21000
SCANA CORP DEFINED 1000
SCHERING-PLOUGH CORP SOLE 67527
SCHERING-PLOUGH CORP SOLE 10238
SCHERING-PLOUGH CORP DEFINED 200
SCHERING-PLOUGH CORP OTHER 882
SCHLUMBERGER LTD SOLE 6935
SCHLUMBERGER LTD SOLE 5485
SCHLUMBERGER LTD OTHER 377
SCHLUMBERGER LTD DEF/OTH 200
SCHWAB (CHARLES) CORP SOLE 167148
SCHWAB (CHARLES) CORP SOLE 12671
SCHWAB (CHARLES) CORP DEFINED 1950
SCHWAB (CHARLES) CORP OTHER 106
SCHWAB (CHARLES) CORP DEF/OTH 430
SMITHKLINE BEECHAM SOLE 2400
SMITHKLINE BEECHAM DEFINED 3200
SPORTSLINE USA INC SOLE 8000
SPRINT CORP SOLE 2110
SPRINT CORP DEF/OTH 2134
STAPLES INC. SOLE 212789
STAPLES INC. SOLE 32284
STAPLES INC. DEFINED 562
STAPLES INC. OTHER 1012
STAPLES INC. DEF/OTH 450
STATE STREET CORP SOLE 5128
STATE STREET CORP SOLE 6550
SUMMIT BANCORP SOLE 16000
SUN MICROSYSTEMS INC SOLE 4925
SUN MICROSYSTEMS INC SOLE 850
TEMPLE INLAND INC. SOLE 12800
TEXACO INC SOLE 27143
TEXACO INC SOLE 10060
TEXACO INC DEFINED 1000
TEXACO INC OTHER 8050
TEXACO INC DEF/OTH 2400
TEXAS INSTRUMENTS INC SOLE 24393
TEXAS INSTRUMENTS INC SOLE 10005
THOMAS & BETTS CORP SOLE 5800
TIME WARNER INC SOLE 83869
TIME WARNER INC SOLE 16945
TIME WARNER INC DEF/OTH 100
TYCO INTERNATIONAL LTD SOLE 73121
TYCO INTERNATIONAL LTD SOLE 10590
TYCO INTERNATIONAL LTD DEFINED 150
TYCO INTERNATIONAL LTD OTHER 413
TYCO INTERNATIONAL LTD DEF/OTH 200
VANGUARD SOLE 309448
VANGUARD OTHER 8074
VANGUARD DEF/OTH 83745
VISX INC SOLE 5800
VITESSE SEMICONDUCTOR CORP SOLE 12100
VODAFONE AIRTOUCH PLC SOLE 582
VODAFONE AIRTOUCH PLC DEFINED 200
VODAFONE AIRTOUCH PLC OTHER 300
WACHOVIA CORP SOLE 1000
WACHOVIA CORP OTHER 1000
WACHOVIA CORP DEF/OTH 600
WAL-MART STORES INC SOLE 182661
WAL-MART STORES INC SOLE 19869
WAL-MART STORES INC DEFINED 500
WAL-MART STORES INC OTHER 3032
WAL-MART STORES INC DEF/OTH 550
WAL-MART STORES INC DEF/OTH 700
WALGREEN CO SOLE 207823
WALGREEN CO SOLE 24688
WALGREEN CO OTHER 176
WALGREEN CO DEF/OTH 440
WARNER LAMBERT CO SOLE 84484
WARNER LAMBERT CO SOLE 8936
WARNER LAMBERT CO DEFINED 130
WARNER LAMBERT CO OTHER 480
WARNER LAMBERT CO DEF/OTH 137
WELLS FARGO COMPANY SOLE 6440
WELLS FARGO COMPANY DEFINED 4000
WELLS FARGO COMPANY OTHER 7000
WELLS FARGO COMPANY DEF/OTH 450
WILLAMETTE IND INC SOLE 16100
WORLDTEX INC DEFINED 281642
XEROX CORP SOLE 4250
XEROX CORP SOLE 27950
XEROX CORP DEFINED 2400
YAHOO! INC. SOLE 3590
YAHOO! INC. SOLE 540
LERNOUT & HAUSPIE SPEECH PRO SOLE 8000
TOMMY HILFIGER SOLE 10000
BIOMEDICAL DISPOSAL, INC. SOLE 40000
</TABLE>
