[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: 06/30/1999
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: 513-579-8900
Signature, Place, and Date of Signing:
GARY QUEEN CINCINNATI, OH 07/06/1999
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: 435
Form 13F Information Table Value Total: $ 555,358
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 5888 105498 SH
AT&T CORP COMMON STOCK 001957109 213 3811 SH
AT&T CORP COMMON STOCK 001957109 134 2400 SH
ABBOTT LABS COMMON STOCK 002824100 1984 43730 SH
ABBOTT LABS COMMON STOCK 002824100 290 6400 SH
ABERCROMBIE & FITCH CO COMMON STOCK 002896207 384 8000 SH
AEGON N.V. COMMON STOCK 007924103 128 1736 SH
AEGON N.V. COMMON STOCK 007924103 77 1042 SH
ALLSTATE CORP COMMON STOCK 020002101 692 19296 SH
ALLSTATE CORP COMMON STOCK 020002101 110 3054 SH
ALLSTATE CORP COMMON STOCK 020002101 122 3388 SH
ALLSTATE CORP COMMON STOCK 020002101 27 740 SH
AMAZON COM INC COMMON STOCK 023135106 1995 15945 SH
AMAZON COM INC COMMON STOCK 023135106 8 65 SH
AMAZON COM INC COMMON STOCK 023135106 13 100 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 13324 121123 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 54 490 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 70 640 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 220 1997 SH
AMERICAN ANNUITY GROUP INC COMMON STOCK 023840101 14754 608402 SH
AMERICAN EAGLE OUTFITTERS COMMON STOCK 02553E106 273 6000 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 3224 24780 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 26 200 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 260 2000 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 1978 34472 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 1125 19600 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 436 7600 SH
AMER INTL GROUP INC COMMON STOCK 026874107 9282 79163 SH
AMER INTL GROUP INC COMMON STOCK 026874107 303 2580 SH
AMER INTL GROUP INC COMMON STOCK 026874107 49 416 SH
AMERICAN ITALIAN PASTA CO COMMON STOCK 027070101 608 20000 SH
AMERICAN PWR CONVERSION CORP COMMON STOCK 029066107 282 14000 SH
AMERITRADE HOLDING CORP COMMON STOCK 03072H109 360 3400 SH
AMERITECH CORP NEW COMMON STOCK 030954101 2386 32460 SH
AMERITECH CORP NEW COMMON STOCK 030954101 88 1200 SH
AMERITECH CORP NEW COMMON STOCK 030954101 1058 14400 SH
AMERITECH CORP NEW COMMON STOCK 030954101 176 2400 SH
AMGEN INC COMMON STOCK 031162100 597 9800 SH
AMGEN INC COMMON STOCK 031162100 85 1400 SH
ANHEUSER-BUSCH COS INC. COMMON STOCK 035229103 227 3200 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 531 12028 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 79 1780 SH
ASTORIA FINANCIAL CORP COMMON STOCK 046265104 220 5000 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 543 6500 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 17 200 SH
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 1118 25400 SH
BEC ENERGY COMMON STOCK 05538M101 495 12000 SH
BEC ENERGY COMMON STOCK 05538M101 17 400 SH
BP AMOCO PLC-SPONS ADR COMMON STOCK 055622104 1711 15765 SH
BP AMOCO PLC-SPONS ADR COMMON STOCK 055622104 545 5027 SH
BP AMOCO PLC-SPONS ADR COMMON STOCK 055622104 129 1190 SH
BAKER HUGHES INC COMMON STOCK 057224107 509 15200 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 5136 70057 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 78 1058 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 4 48 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 8 113 SH
BANK NEW YORK INC COMMON STOCK 064057102 205 5600 SH
BANK ONE CORP COMMON STOCK 06423A103 1494 25079 SH
BANK ONE CORP COMMON STOCK 06423A103 36 605 SH
BANK ONE CORP COMMON STOCK 06423A103 6 101 SH
BAUSCH & LOMB INC COMMON STOCK 071707103 383 5000 SH
BAUSCH & LOMB INC COMMON STOCK 071707103 8 111 SH
BED BATH & BEYOND INC COMMON STOCK 075896100 847 22000 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 700 10706 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 115 1758 SH
BELLSOUTH CORP COMMON STOCK 079860102 1484 32164 SH
BELLSOUTH CORP COMMON STOCK 079860102 55 1200 SH
BELLSOUTH CORP COMMON STOCK 079860102 594 12875 SH
BELLSOUTH CORP COMMON STOCK 079860102 75 1620 SH
BENCHMARK ELECTRS INC COMMON STOCK 08160H101 216 6000 SH
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670108 620 9 SH
BEST FOODS COMMON STOCK 08658U101 744 15040 SH
BEST FOODS COMMON STOCK 08658U101 238 4800 SH
BEST FOODS COMMON STOCK 08658U101 280 5650 SH
BOEING CO. COMMON STOCK 097023105 480 10900 SH
BOEING CO. COMMON STOCK 097023105 92 2098 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 6914 98160 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 42 600 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 835 11850 SH
BURLINGTON RESOURCES INC COMMON STOCK 122014103 458 10600 SH
BURLINGTON RESOURCES INC COMMON STOCK 122014103 0 1 SH
CARDINAL HEALTH COMMON STOCK 14149Y108 2564 39988 SH
CATALYTICA INC COMMON STOCK 148885106 560 40000 SH
CATERPILLAR INC COMMON STOCK 149123101 609 10142 SH
CATERPILLAR INC COMMON STOCK 149123101 24 400 SH
CATERPILLAR INC COMMON STOCK 149123101 168 2800 SH
CELLSTAR CORP COMMON STOCK 150925105 158 20000 SH
CHASE MANHATTAN CORP COMMON STOCK 16161A108 1564 18085 SH
CHEVRON CORP COMMON STOCK 166751107 1467 15427 SH
CHEVRON CORP COMMON STOCK 166751107 101 1064 SH
CHEVRON CORP COMMON STOCK 166751107 153 1610 SH
CHEVRON CORP COMMON STOCK 166751107 19 200 SH
CHIQUITA BRANDS INTL INC COMMON STOCK 170032106 56 6200 SH
CHIQUITA BRANDS INTL INC COMMON STOCK 170032106 2700 300000 SH
CHIQUITA BRANDS INTL INC COMMON STOCK 170032106 29 3212 SH
CINCINNATI BELL INC COMMON STOCK 171870108 905 36286 SH
CINCINNATI BELL INC COMMON STOCK 171870108 623 24988 SH
CINCINNATI BELL INC COMMON STOCK 171870108 7 300 SH
CINERGY CORP COMMON STOCK 172474108 666 20803 SH
CINERGY CORP COMMON STOCK 172474108 14 450 SH
CINERGY CORP COMMON STOCK 172474108 51 1595 SH
CINERGY CORP COMMON STOCK 172474108 21 665 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 16958 262918 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 60 924 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 147 2280 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 290 4500 SH
CINTAS CORP COMMON STOCK 172908105 2458 36583 SH
CINTAS CORP COMMON STOCK 172908105 13 200 SH
CITIGROUP INC COMMON STOCK 172967101 6633 139640 SH
CITIGROUP INC COMMON STOCK 172967101 43 900 SH
CITIGROUP INC COMMON STOCK 172967101 5 96 SH
CITIGROUP INC COMMON STOCK 172967101 32 675 SH
CLEAR CHANNEL COMMUNICATION COMMON STOCK 184502102 864 12528 SH
CLOROX CO COMMON STOCK 189054109 2387 22352 SH
COCA COLA CO COMMON STOCK 191216100 6197 99955 SH
COCA COLA CO COMMON STOCK 191216100 476 7675 SH
COCA COLA CO COMMON STOCK 191216100 1550 25000 SH
COCA COLA CO COMMON STOCK 191216100 226 3650 SH
COMAIR HOLDING, INC. COMMON STOCK 199789108 435 20900 SH
COMAIR HOLDING, INC. COMMON STOCK 199789108 47 2250 SH
COMVERSE TECHNOLOGY INC COMMON STOCK 205862402 396 5250 SH
CONAGRA, INC. COMMON STOCK 205887102 1552 58300 SH
CONAGRA, INC. COMMON STOCK 205887102 91 3400 SH
CONAGRA, INC. COMMON STOCK 205887102 8 300 SH
CONSOLIDATED GRAPHICS INC COMMON STOCK 209341106 250 5000 SH
CONVERGYS CORP COMMON STOCK 212485106 259 13342 SH
CONVERGYS CORP COMMON STOCK 212485106 10 500 SH
CONVERGYS CORP COMMON STOCK 212485106 511 26388 SH
CONVERGYS CORP COMMON STOCK 212485106 6 300 SH
COOPER IND INC COMMON STOCK 216669101 562 10800 SH
COUNTRYWIDE MUTUAL FUNDS FI 221910201 170 16305 SH
COX RADIO INC-CL A COMMON STOCK 224051102 543 10000 SH
DAYTON HUDSON CORP COMMON STOCK 239753106 451 6932 SH
DEERE & CO. COMMON STOCK 244199105 116 2970 SH
DEERE & CO. COMMON STOCK 244199105 94 2400 SH
DELL COMPUTER CORP COMMON STOCK 247025109 9310 251610 SH
DELL COMPUTER CORP COMMON STOCK 247025109 15 400 SH
DELL COMPUTER CORP COMMON STOCK 247025109 25 680 SH
DELL COMPUTER CORP COMMON STOCK 247025109 43 1175 SH
DELPHI AUTOMOTIVE SYSTEMS COMMON STOCK 247126105 470 25385 SH
DELPHI AUTOMOTIVE SYSTEMS COMMON STOCK 247126105 5 279 SH
DELPHI AUTOMOTIVE SYSTEMS COMMON STOCK 247126105 13 698 SH
DEVRY INC COMMON STOCK 251893103 215 9600 SH
DIAMOND OFFSHORE DRILLING COMMON STOCK 25271C102 440 15500 SH
DIGI INTL INC COMMON STOCK 253798102 104 10000 SH
DISNEY WALT HLDG CO COMMON STOCK 254687106 1584 51406 SH
DISNEY WALT HLDG CO COMMON STOCK 254687106 3 100 SH
DISNEY WALT HLDG CO COMMON STOCK 254687106 52 1700 SH
DOW CHEM CO COMMON STOCK 260543103 77 604 SH
DOW CHEM CO COMMON STOCK 260543103 190 1500 SH
DOW CHEM CO COMMON STOCK 260543103 57 450 SH
DOW CHEM CO COMMON STOCK 260543103 63 500 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 1542 22568 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 878 12850 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 96 1400 SH
DUFF/PHELPS SELECT UTIL COMMON STOCK 264324104 35 3300 SH
DUFF/PHELPS SELECT UTIL COMMON STOCK 264324104 101 9500 SH
DUKE ENERGY CORP COMMON STOCK 264399106 236 4337 SH
EMC CORPORATION COMMON STOCK 268648102 9636 175201 SH
EMC CORPORATION COMMON STOCK 268648102 39 700 SH
EMC CORPORATION COMMON STOCK 268648102 70 1276 SH
EMC CORPORATION COMMON STOCK 268648102 30 550 SH
E*TRADE GROUP INC COMMON STOCK 269246104 288 7200 SH
EATON VANCE CORP COMMON STOCK 278265103 344 10000 SH
EBAY INC COMMON STOCK 278642103 1057 6985 SH
EBAY INC COMMON STOCK 278642103 5 30 SH
EMERSON ELEC CO. COMMON STOCK 291011104 544 8650 SH
EMERSON ELEC CO. COMMON STOCK 291011104 151 2400 SH
EMERSON ELEC CO. COMMON STOCK 291011104 57 900 SH
ENRON CORP COMMON STOCK 293561106 469 5737 SH
EXODUS COMMUNICATIONS INC COMMON STOCK 302088109 1013 8450 SH
EXXON CORP COMMON STOCK 302290101 5090 66003 SH
EXXON CORP COMMON STOCK 302290101 629 8150 SH
EXXON CORP COMMON STOCK 302290101 877 11370 SH
EXXON CORP COMMON STOCK 302290101 200 2592 SH
FANNIE MAE COMMON STOCK 313586109 6641 97308 SH
FANNIE MAE COMMON STOCK 313586109 10 150 SH
FANNIE MAE COMMON STOCK 313586109 29 428 SH
FANNIE MAE COMMON STOCK 313586109 41 600 SH
FEDERATED MUTUAL FUNDS EQ 313900102 749 17964 SH
FEDERATED MUTUAL FUNDS FI 314184102 1329 120928 SH
FEDERATED MUTUAL FUNDS FI 314184102 446 40600 SH
FEDERATED MUTUAL FUNDS FI 314184102 125 11407 SH
FEDERATED MUTUAL FUNDS FI 314184102 25 2252 SH
FEDERATED MUTUAL FUNDS FI 314284100 480 48011 SH
FEDERATED MUTUAL FUNDS FI 31428P103 370 35067 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 1674 25150 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 1036 15565 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 2560 38462 SH
FILENET CORP COMMON STOCK 316869106 229 20000 SH
FIRST UNION CORP COMMON STOCK 337358105 240 5100 SH
FIRST UNION CORP COMMON STOCK 337358105 14 300 SH
FIRST VA BKS INC COMMON STOCK 337477103 427 8700 SH
FIRSTAR CORP COMMON STOCK 33763V109 1882 67227 SH
FIRSTAR CORP COMMON STOCK 33763V109 2218 79200 SH
FIRSTAR CORP COMMON STOCK 33763V109 25 900 SH
FORD MOTOR CO COMMON STOCK 345370100 3038 53838 SH
FORD MOTOR CO COMMON STOCK 345370100 205 3634 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 538 13000 SH
FRANKLIN MUTUAL FUNDS FI 353496607 68 10264 SH
GTE CORP COMMON STOCK 362320103 1233 16329 SH
GANNETT INC COMMON STOCK 364730101 1284 17988 SH
GANNETT INC COMMON STOCK 364730101 57 800 SH
GANNETT INC COMMON STOCK 364730101 286 4000 SH
GANNETT INC COMMON STOCK 364730101 57 800 SH
GAP INC COMMON STOCK 364760108 4673 92771 SH
GAP INC COMMON STOCK 364760108 14 281 SH
GAP INC COMMON STOCK 364760108 7 140 SH
GAP INC COMMON STOCK 364760108 37 731 SH
GATEWAY MUTUAL FUNDS FI 367829207 422 18664 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 15053 133210 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 517 4574 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 1408 12462 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 565 5000 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 516 7815 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 26 400 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 66 1000 SH
GEMTEX CORP COMMON STOCK 371901109 896 32000 SH
GILLETTE CO COMMON STOCK 375766102 2265 55241 SH
GILLETTE CO COMMON STOCK 375766102 62 1500 SH
GILLETTE CO COMMON STOCK 375766102 180 4400 SH
HALLIBURTON CO COMMON STOCK 406216101 516 11400 SH
JOHN HANCOCK MUTUAL FUNDS EQ 409905106 412 7796 SH
H J HEINZ CO. COMMON STOCK 423074103 251 5000 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 3804 37853 SH
HOME DEPOT INC COMMON STOCK 437076102 7413 115043 SH
HOME DEPOT INC COMMON STOCK 437076102 17 270 SH
HOME DEPOT INC COMMON STOCK 437076102 31 487 SH
HOME DEPOT INC COMMON STOCK 437076102 22 335 SH
HUNTINGTON BANCSHARES INC COMMON STOCK 446150104 228 6500 SH
INTEL CORP COMMON STOCK 458140100 9256 155571 SH
INTEL CORP COMMON STOCK 458140100 261 4380 SH
INTEL CORP COMMON STOCK 458140100 72 1210 SH
INTEL CORP COMMON STOCK 458140100 98 1650 SH
IBM CORP COMMON STOCK 459200101 2734 21156 SH
IBM CORP COMMON STOCK 459200101 207 1600 SH
IBM CORP COMMON STOCK 459200101 414 3200 SH
IBM CORP COMMON STOCK 459200101 376 2912 SH
FEDERATED MUTUAL FUNDS EQ 46031P308 447 21733 SH
INTIMATE BRANDS COMMON STOCK 461156101 483 10200 SH
I 2 TECHNOLOGIES INC. COMMON STOCK 465754109 516 12000 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 5227 53339 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 196 2000 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 392 4000 SH
KENDLE INTERNATIONAL INC COMMON STOCK 48880L107 1189 74311 SH
KIMBERLY CLARK COMMON STOCK 494368103 1643 28829 SH
KIMBERLY CLARK COMMON STOCK 494368103 715 12544 SH
KIMBERLY CLARK COMMON STOCK 494368103 71 1248 SH
KOHLS CORP COMMON STOCK 500255104 592 7700 SH
KROGER CO COMMON STOCK 501044101 239 8542 SH
LG&E ENERGY CORP COMMON STOCK 501917108 199 9496 SH
LG&E ENERGY CORP COMMON STOCK 501917108 19 900 SH
LG&E ENERGY CORP COMMON STOCK 501917108 132 6300 SH
LG&E ENERGY CORP COMMON STOCK 501917108 44 2100 SH
LEGG MASON INC COMMON STOCK 524901105 866 22500 SH
ELI LILLY & CO COMMON STOCK 532457108 3195 44613 SH
ELI LILLY & CO COMMON STOCK 532457108 36 500 SH
ELI LILLY & CO COMMON STOCK 532457108 98 1362 SH
ELI LILLY & CO COMMON STOCK 532457108 11 150 SH
LINCOLN NATL CORP COMMON STOCK 534187109 230 4400 SH
LINCOLN NATL CORP COMMON STOCK 534187109 63 1200 SH
LINCOLN NATL CORP COMMON STOCK 534187109 118 2262 SH
LOWE'S COS INC COMMON STOCK 548661107 427 7530 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 7234 107270 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 64 950 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 196 2902 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 41 608 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 6536 75940 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 25 289 SH
MARSH & MCLENNAN COS. INC. COMMON STOCK 571748102 1541 20355 SH
MARSH & MCLENNAN COS. INC. COMMON STOCK 571748102 91 1200 SH
MAY DEPARTMENT STORES COMMON STOCK 577778103 850 20806 SH
MCDONALDS CORP COMMON STOCK 580135101 665 16178 SH
MCDONALDS CORP COMMON STOCK 580135101 66 1600 SH
MCDONALDS CORP COMMON STOCK 580135101 66 1600 SH
MCGRAW-HILL COMPANIES INC COMMON STOCK 580645109 216 4000 SH
MEDIMMUNE COMMON STOCK 584699102 969 14300 SH
MELLON BANK COMMON STOCK 585509102 2706 74383 SH
MELLON BANK COMMON STOCK 585509102 4 116 SH
MERCK & CO INC COMMON STOCK 589331107 7792 105833 SH
MERCK & CO INC COMMON STOCK 589331107 471 6400 SH
MERCK & CO INC COMMON STOCK 589331107 292 3960 SH
MERCK & CO INC COMMON STOCK 589331107 38 510 SH
MERRILL LYNCH & CO COMMON STOCK 590188108 2462 30968 SH
MERRILL LYNCH & CO COMMON STOCK 590188108 3 40 SH
MERRILL LYNCH & CO COMMON STOCK 590188108 16 200 SH
MICROSOFT CORP COMMON STOCK 594918104 15010 166430 SH
MICROSOFT CORP COMMON STOCK 594918104 54 600 SH
MICROSOFT CORP COMMON STOCK 594918104 665 7370 SH
MICROSOFT CORP COMMON STOCK 594918104 52 580 SH
MINDSPRING ENTERPRISES INC COMMON STOCK 602683104 275 6200 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 1456 16749 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 435 5000 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 70 800 SH
MOBIL CORP COMMON STOCK 607059102 1652 16725 SH
MOHAWK IND INC COMMON STOCK 608190104 243 8000 SH
MONSANTO CO COMMON STOCK 611662107 178 4500 SH
MONSANTO CO COMMON STOCK 611662107 40 1000 SH
MORGAN J.P. & CO INC COMMON STOCK 616880100 1819 12948 SH
MORGAN J.P. & CO INC COMMON STOCK 616880100 35 250 SH
MORGAN J.P. & CO INC COMMON STOCK 616880100 123 875 SH
MORGAN J.P. & CO INC COMMON STOCK 616880100 70 500 SH
MOTOROLA INC COMMON STOCK 620076109 948 10000 SH
MOTOROLA INC COMMON STOCK 620076109 152 1600 SH
NATIONAL CITY CORP COMMON STOCK 635405103 1362 20798 SH
NATIONAL CITY CORP COMMON STOCK 635405103 98 1500 SH
NATL COMMERCE BANCORP COMMON STOCK 635449101 361 16500 SH
NETWORK SOLUTIONS INC-CL-A COMMON STOCK 64121Q102 1286 16255 SH
NICOR INC. COMMON STOCK 654086107 217 5700 SH
NORFOLK SOUTHN CORP COMMON STOCK 655844108 155 5130 SH
NORFOLK SOUTHN CORP COMMON STOCK 655844108 347 11517 SH
O'REILLY AUTOMOTIVE INC. COMMON STOCK 686091109 353 7000 SH
PNC BANK CORP COMMON STOCK 693475105 107 1856 SH
PNC BANK CORP COMMON STOCK 693475105 507 8800 SH
PNC BANK CORP COMMON STOCK 693475105 219 3798 SH
PACKAGED ICE INC COMMON STOCK 695148106 59 10000 SH
PAPA JOHN INTERNATIONAL INC COMMON STOCK 698813102 255 5700 SH
PENNEY, J.C. INC COMMON STOCK 708160106 619 12750 SH
PENNEY, J.C. INC COMMON STOCK 708160106 59 1216 SH
PEOPLES ENERGY CORP COMMON STOCK 711030106 381 10100 SH
PEPSICO INC COMMON STOCK 713448108 1064 27500 SH
PEPSICO INC COMMON STOCK 713448108 271 7000 SH
PEPSICO INC COMMON STOCK 713448108 78 2025 SH
PFIZER INC COMMON STOCK 717081103 18850 172935 SH
PFIZER INC COMMON STOCK 717081103 2395 21975 SH
PFIZER INC COMMON STOCK 717081103 1451 13311 SH
PFIZER INC COMMON STOCK 717081103 57 525 SH
PHILIP MORRIS CO. INC. COMMON STOCK 718154107 195 4840 SH
PHILIP MORRIS CO. INC. COMMON STOCK 718154107 27 675 SH
PHILIP MORRIS CO. INC. COMMON STOCK 718154107 709 17639 SH
PIEDMONT NATURAL GAS CO COMMON STOCK 720186105 464 14900 SH
PIEDMONT NATURAL GAS CO COMMON STOCK 720186105 25 800 SH
PITNEY-BOWES, INC. COMMON STOCK 724479100 1880 29258 SH
PLEXUS CORP COMMON STOCK 729132100 452 15000 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 14310 160338 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 471 5281 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 4548 50956 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 187 2100 SH
PROVIDENT FINANCIAL GROUP INC COMMON STOCK 743866105 15865 362621 SH
PROVIDENT FINANCIAL GROUP INC COMMON STOCK 743866105 120 2745 SH
PROVIDENT FINANCIAL GROUP INC COMMON STOCK 743866105 20 450 SH
PROVIDIAN FINANCIAL CORP COMMON STOCK 74406A102 5 50 SH
PROVIDIAN FINANCIAL CORP COMMON STOCK 74406A102 280 3000 SH
PROVIDIAN FINANCIAL CORP COMMON STOCK 74406A102 168 1800 SH
PUTNAM MUTUAL FUNDS FI 746704105 217 19534 SH
PUTNAM MUTUAL FUNDS FI 74678J104 200 24529 SH
QUINTILES TRANSNATIONAL CORP COMMON STOCK 748767100 210 5000 SH
QWEST COMMUNICATIONS INTL COMMON STOCK 749121109 497 15035 SH
REALNETWORKS INC COMMON STOCK 75605L104 276 4000 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 12289 1324275 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 512 55180 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 502 54056 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 537 57870 SH
RIVERFRONT MUTUAL FUNDS EQ 768709404 607 54256 SH
RIVERFRONT MUTUAL FUNDS EQ 768709404 289 25855 SH
RIVERFRONT MUTUAL FUNDS EQ 768709404 22 1973 SH
RIVERFRONT MUTUAL FUNDS BA 768709602 450 32947 SH
RIVERFRONT MUTUAL FUNDS BA 768709602 127 9259 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 43765 2825360 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 971 62693 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 3024 195236 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 4337 280006 SH
RIVERFRONT MUTUAL FUNDS EQ 768709867 2131 261438 SH
ROCKWELL INTL CORP COMMON STOCK 773903109 638 10500 SH
ROHM & HAAS CO COMMON STOCK 775371107 652 15200 SH
ROHM & HAAS CO COMMON STOCK 775371107 9 221 SH
ROYAL DUTCH PETROLEUM CO FOREIGN STOCK 780257804 1356 22500 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 1300 22416 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 103 1784 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 91 1570 SH
SEI INVESTMENTS COMPANY COMMON STOCK 784117103 600 6800 SH
SANMINA CORPORATION COMMON STOCK 800907107 873 11500 SH
SCANA CORP COMMON STOCK 805898103 411 17600 SH
SCANA CORP COMMON STOCK 805898103 23 1000 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 3647 69467 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 11 200 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 46 882 SH
SCHLUMBERGER LTD FOREIGN STOCK 806857108 801 12570 SH
SCHLUMBERGER LTD FOREIGN STOCK 806857108 24 377 SH
SCHLUMBERGER LTD FOREIGN STOCK 806857108 13 200 SH
SCHWAB (CHARLES) CORP COMMON STOCK 808513105 6678 61268 SH
SCHWAB (CHARLES) CORP COMMON STOCK 808513105 93 850 SH
SCHWAB (CHARLES) CORP COMMON STOCK 808513105 6 53 SH
SCHWAB (CHARLES) CORP COMMON STOCK 808513105 10 90 SH
SMITHKLINE BEECHAM FOREIGN STOCK 832378301 159 2400 SH
SMITHKLINE BEECHAM FOREIGN STOCK 832378301 211 3200 SH
SPORTSLINE USA INC COMMON STOCK 848934105 215 6000 SH
STAPLES INC. COMMON STOCK 855030102 6018 194536 SH
STAPLES INC. COMMON STOCK 855030102 17 562 SH
STAPLES INC. COMMON STOCK 855030102 31 1012 SH
STAPLES INC. COMMON STOCK 855030102 14 450 SH
STATE STREET CORP COMMON STOCK 857477103 993 11628 SH
SUMMIT BANCORP COMMON STOCK 866005101 916 21900 SH
TELEBANC FINANCIAL CORP COMMON STOCK 87925R109 264 6800 SH
TEMPLE INLAND INC. COMMON STOCK 879868107 878 12800 SH
TEXACO INC COMMON STOCK 881694103 1982 31779 SH
TEXACO INC COMMON STOCK 881694103 69 1100 SH
TEXACO INC COMMON STOCK 881694103 502 8050 SH
TEXACO INC COMMON STOCK 881694103 137 2200 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 706 4900 SH
THOMAS & BETTS CORP COMMON STOCK 884315102 543 11500 SH
TIME WARNER INC COMMON STOCK 887315109 7087 97581 SH
TIME WARNER INC COMMON STOCK 887315109 7 100 SH
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 7442 78546 SH
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 14 150 SH
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 39 413 SH
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 19 200 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 264 3670 SH
VANGUARD MUTUAL FUNDS FI 921929204 3744 324980 SH
VANGUARD MUTUAL FUNDS FI 921929204 96 8335 SH
VANGUARD MUTUAL FUNDS FI 921929204 969 84152 SH
VISX INC COMMON STOCK 92844S105 459 5800 SH
VITESSE SEMICONDUCTOR CORP COMMON STOCK 928497106 958 14200 SH
WAL-MART STORES INC COMMON STOCK 931142103 9076 188108 SH
WAL-MART STORES INC COMMON STOCK 931142103 24 500 SH
WAL-MART STORES INC COMMON STOCK 931142103 146 3032 SH
WAL-MART STORES INC COMMON STOCK 931142103 60 1250 SH
WALGREEN CO COMMON STOCK 931422109 6077 206882 SH
WALGREEN CO COMMON STOCK 931422109 5 176 SH
WALGREEN CO COMMON STOCK 931422109 13 440 SH
WARNER LAMBERT CO COMMON STOCK 934488107 6126 88624 SH
WARNER LAMBERT CO COMMON STOCK 934488107 9 130 SH
WARNER LAMBERT CO COMMON STOCK 934488107 33 480 SH
WARNER LAMBERT CO COMMON STOCK 934488107 9 137 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 271 6340 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 175 4100 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 299 7000 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 19 450 SH
WILLAMETTE IND INC COMMON STOCK 969133107 749 16250 SH
WORLDTEX INC COMMON STOCK 981907108 676 284509 SH
XEROX CORP COMMON STOCK 984121103 614 10400 SH
YAHOO! INC. COMMON STOCK 984332106 278 1615 SH
LERNOUT & HAUSPIE SPEECH PRO FOREIGN STOCK B5628B104 354 10000 SH
TOMMY HILFIGER COMMON STOCK G8915Z102 220 3000 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 77936
AT&T CORP SOLE 27562
AT&T CORP DEFINED 3811
AT&T CORP OTHER 2400
ABBOTT LABS SOLE 43600
ABBOTT LABS SOLE 130
ABBOTT LABS OTHER 6400
ABERCROMBIE & FITCH CO SOLE 8000
AEGON N.V. OTHER 1736
AEGON N.V. DEF/OTH 1042
ALLSTATE CORP SOLE 1296
ALLSTATE CORP SOLE 18000
ALLSTATE CORP DEFINED 3054
ALLSTATE CORP OTHER 3388
ALLSTATE CORP DEF/OTH 740
AMAZON COM INC SOLE 13260
AMAZON COM INC SOLE 2685
AMAZON COM INC DEFINED 65
AMAZON COM INC DEF/OTH 100
AMERICA ONLINE INC SOLE 110417
AMERICA ONLINE INC SOLE 10706
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 6000
AMERICAN EXPRESS CO SOLE 24780
AMERICAN EXPRESS CO DEFINED 200
AMERICAN EXPRESS CO OTHER 2000
AMERICAN HOME PRODUCTS CORP SOLE 34362
AMERICAN HOME PRODUCTS CORP SOLE 110
AMERICAN HOME PRODUCTS CORP OTHER 19600
AMERICAN HOME PRODUCTS CORP DEF/OTH 7600
AMER INTL GROUP INC SOLE 72883
AMER INTL GROUP INC SOLE 6280
AMER INTL GROUP INC OTHER 2580
AMER INTL GROUP INC DEF/OTH 288
AMER INTL GROUP INC DEF/OTH 128
AMERICAN ITALIAN PASTA CO SOLE 20000
AMERICAN PWR CONVERSION CORP SOLE 14000
AMERITRADE HOLDING CORP SOLE 3400
AMERITECH CORP NEW SOLE 32460
AMERITECH CORP NEW DEFINED 1200
AMERITECH CORP NEW OTHER 14400
AMERITECH CORP NEW DEF/OTH 2400
AMGEN INC SOLE 9750
AMGEN INC SOLE 50
AMGEN INC DEFINED 1400
ANHEUSER-BUSCH COS INC. SOLE 3200
ASSOCIATES FIRST CAPITAL CORP SOLE 12028
ASSOCIATES FIRST CAPITAL CORP OTHER 1780
ASTORIA FINANCIAL CORP SOLE 5000
ATLANTIC RICHFIELD CO SOLE 300
ATLANTIC RICHFIELD CO SOLE 6200
ATLANTIC RICHFIELD CO DEFINED 200
AUTOMATIC DATA PROCESSING SOLE 25400
BEC ENERGY SOLE 12000
BEC ENERGY DEF/OTH 400
BP AMOCO PLC-SPONS ADR SOLE 15765
BP AMOCO PLC-SPONS ADR OTHER 5027
BP AMOCO PLC-SPONS ADR DEF/OTH 1190
BAKER HUGHES INC SOLE 15200
BANK OF AMERICA CORP SOLE 52522
BANK OF AMERICA CORP SOLE 17535
BANK OF AMERICA CORP DEFINED 1058
BANK OF AMERICA CORP OTHER 48
BANK OF AMERICA CORP DEF/OTH 113
BANK NEW YORK INC SOLE 5600
BANK ONE CORP SOLE 9012
BANK ONE CORP SOLE 16067
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 1206
BELL ATLANTIC CORP SOLE 9500
BELL ATLANTIC CORP DEFINED 1758
BELLSOUTH CORP SOLE 32164
BELLSOUTH CORP DEFINED 1200
BELLSOUTH CORP OTHER 12875
BELLSOUTH CORP DEF/OTH 1620
BENCHMARK ELECTRS INC SOLE 6000
BERKSHIRE HATHAWAY INC DEL SOLE 9
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 92710
BRISTOL MYERS SQUIBB CO SOLE 5450
BRISTOL MYERS SQUIBB CO DEFINED 600
BRISTOL MYERS SQUIBB CO OTHER 11850
BURLINGTON RESOURCES INC SOLE 10600
BURLINGTON RESOURCES INC OTHER 1
CARDINAL HEALTH SOLE 38735
CARDINAL HEALTH SOLE 1253
CATALYTICA INC SOLE 40000
CATERPILLAR INC SOLE 10142
CATERPILLAR INC DEFINED 400
CATERPILLAR INC OTHER 2800
CELLSTAR CORP SOLE 20000
CHASE MANHATTAN CORP SOLE 9365
CHASE MANHATTAN CORP SOLE 8720
CHEVRON CORP SOLE 13797
CHEVRON CORP SOLE 1630
CHEVRON CORP DEFINED 1064
CHEVRON CORP OTHER 1610
CHEVRON CORP DEF/OTH 200
CHIQUITA BRANDS INTL INC SOLE 6200
CHIQUITA BRANDS INTL INC DEFINED 300000
CHIQUITA BRANDS INTL INC DEF/OTH 3212
CINCINNATI BELL INC SOLE 36286
CINCINNATI BELL INC OTHER 24988
CINCINNATI BELL INC DEF/OTH 300
CINERGY CORP SOLE 11803
CINERGY CORP SOLE 9000
CINERGY CORP DEFINED 450
CINERGY CORP OTHER 1595
CINERGY CORP DEF/OTH 665
CISCO SYSTEMS INC SOLE 239012
CISCO SYSTEMS INC SOLE 23906
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 32693
CINTAS CORP SOLE 3890
CINTAS CORP OTHER 200
CITIGROUP INC SOLE 104324
CITIGROUP INC SOLE 35316
CITIGROUP INC DEFINED 900
CITIGROUP INC OTHER 96
CITIGROUP INC DEF/OTH 300
CITIGROUP INC DEF/OTH 375
CLEAR CHANNEL COMMUNICATION SOLE 12528
CLOROX CO SOLE 17491
CLOROX CO SOLE 4861
COCA COLA CO SOLE 98066
COCA COLA CO SOLE 1889
COCA COLA CO DEFINED 7675
COCA COLA CO OTHER 25000
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 5250
CONAGRA, INC. SOLE 33300
CONAGRA, INC. SOLE 25000
CONAGRA, INC. OTHER 3400
CONAGRA, INC. DEF/OTH 300
CONSOLIDATED GRAPHICS INC SOLE 5000
CONVERGYS CORP SOLE 13342
CONVERGYS CORP DEFINED 500
CONVERGYS CORP OTHER 26388
CONVERGYS CORP DEF/OTH 300
COOPER IND INC SOLE 10800
COUNTRYWIDE OTHER 16305
COX RADIO INC-CL A SOLE 10000
DAYTON HUDSON CORP SOLE 332
DAYTON HUDSON CORP SOLE 6600
DEERE & CO. SOLE 2970
DEERE & CO. OTHER 2400
DELL COMPUTER CORP SOLE 220225
DELL COMPUTER CORP SOLE 31385
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 1515
DELPHI AUTOMOTIVE SYSTEMS SOLE 23870
DELPHI AUTOMOTIVE SYSTEMS DEFINED 279
DELPHI AUTOMOTIVE SYSTEMS OTHER 698
DEVRY INC SOLE 9600
DIAMOND OFFSHORE DRILLING SOLE 15500
DIGI INTL INC SOLE 10000
DISNEY WALT HLDG CO SOLE 33056
DISNEY WALT HLDG CO SOLE 18350
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 12850
DU PONT E I DE NEMOURS & CO DEF/OTH 1400
DUFF/PHELPS SELECT UTIL SOLE 3300
DUFF/PHELPS SELECT UTIL DEF/OTH 9500
DUKE ENERGY CORP SOLE 112
DUKE ENERGY CORP SOLE 4225
EMC CORPORATION SOLE 155411
EMC CORPORATION SOLE 19790
EMC CORPORATION DEFINED 300
EMC CORPORATION DEFINED 400
EMC CORPORATION OTHER 1276
EMC CORPORATION DEF/OTH 300
EMC CORPORATION DEF/OTH 250
E*TRADE GROUP INC SOLE 7200
EATON VANCE CORP SOLE 10000
EBAY INC SOLE 5370
EBAY INC SOLE 1615
EBAY INC DEF/OTH 30
EMERSON ELEC CO. SOLE 500
EMERSON ELEC CO. SOLE 8150
EMERSON ELEC CO. DEFINED 2400
EMERSON ELEC CO. OTHER 900
ENRON CORP SOLE 112
ENRON CORP SOLE 5625
EXODUS COMMUNICATIONS INC SOLE 6400
EXODUS COMMUNICATIONS INC SOLE 2050
EXXON CORP SOLE 57253
EXXON CORP SOLE 8750
EXXON CORP DEFINED 8150
EXXON CORP OTHER 11370
EXXON CORP DEF/OTH 1760
EXXON CORP DEF/OTH 832
FANNIE MAE SOLE 82668
FANNIE MAE SOLE 14640
FANNIE MAE DEFINED 150
FANNIE MAE OTHER 428
FANNIE MAE DEF/OTH 450
FANNIE MAE DEF/OTH 150
FEDERATED SOLE 17964
FEDERATED SOLE 114722
FEDERATED SOLE 6206
FEDERATED DEFINED 40600
FEDERATED OTHER 11407
FEDERATED DEF/OTH 2252
FEDERATED SOLE 48011
FEDERATED SOLE 32651
FEDERATED SOLE 2416
FIFTH THIRD BANCORP SOLE 25150
FIFTH THIRD BANCORP DEFINED 15565
FIFTH THIRD BANCORP OTHER 38462
FILENET CORP SOLE 20000
FIRST UNION CORP SOLE 5100
FIRST UNION CORP DEFINED 300
FIRST VA BKS INC SOLE 8700
FIRSTAR CORP SOLE 66624
FIRSTAR CORP SOLE 603
FIRSTAR CORP DEFINED 79200
FIRSTAR CORP OTHER 900
FORD MOTOR CO SOLE 43488
FORD MOTOR CO SOLE 10350
FORD MOTOR CO OTHER 3634
FORTUNE BRANDS INC SOLE 13000
FRANKLIN SOLE 10264
GTE CORP SOLE 1794
GTE CORP SOLE 14535
GANNETT INC SOLE 17988
GANNETT INC DEFINED 800
GANNETT INC OTHER 4000
GANNETT INC DEF/OTH 800
GAP INC SOLE 84861
GAP INC SOLE 7910
GAP INC DEFINED 281
GAP INC OTHER 140
GAP INC DEF/OTH 393
GAP INC DEF/OTH 338
GATEWAY SOLE 18664
GENERAL ELECTRIC CO SOLE 124786
GENERAL ELECTRIC CO SOLE 8424
GENERAL ELECTRIC CO DEFINED 4574
GENERAL ELECTRIC CO OTHER 12462
GENERAL ELECTRIC CO DEF/OTH 4600
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 54191
GILLETTE CO SOLE 1050
GILLETTE CO DEFINED 1500
GILLETTE CO OTHER 4400
HALLIBURTON CO SOLE 11400
JOHN HANCOCK DEFINED 7796
H J HEINZ CO. SOLE 5000
HEWLETT PACKARD CO SOLE 29878
HEWLETT PACKARD CO SOLE 7975
HOME DEPOT INC SOLE 109446
HOME DEPOT INC SOLE 5597
HOME DEPOT INC DEFINED 270
HOME DEPOT INC OTHER 487
HOME DEPOT INC DEF/OTH 120
HOME DEPOT INC DEF/OTH 215
HUNTINGTON BANCSHARES INC SOLE 6500
INTEL CORP SOLE 139375
INTEL CORP SOLE 16196
INTEL CORP DEFINED 4380
INTEL CORP OTHER 1210
INTEL CORP DEF/OTH 1650
IBM CORP SOLE 20656
IBM CORP SOLE 500
IBM CORP DEFINED 1600
IBM CORP OTHER 3200
IBM CORP DEF/OTH 2912
FEDERATED SOLE 21392
FEDERATED SOLE 341
INTIMATE BRANDS SOLE 10200
I 2 TECHNOLOGIES INC. SOLE 12000
JOHNSON & JOHNSON SOLE 49764
JOHNSON & JOHNSON SOLE 3575
JOHNSON & JOHNSON DEFINED 2000
JOHNSON & JOHNSON OTHER 4000
KENDLE INTERNATIONAL INC SOLE 74011
KENDLE INTERNATIONAL INC SOLE 300
KIMBERLY CLARK SOLE 20229
KIMBERLY CLARK SOLE 8600
KIMBERLY CLARK DEFINED 12544
KIMBERLY CLARK OTHER 1248
KOHLS CORP SOLE 4450
KOHLS CORP SOLE 3250
KROGER CO SOLE 8542
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 22500
ELI LILLY & CO SOLE 38411
ELI LILLY & CO SOLE 6202
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
LOWE'S COS INC SOLE 130
LOWE'S COS INC SOLE 7400
LUCENT TECHNOLOGIES INC SOLE 91038
LUCENT TECHNOLOGIES INC SOLE 16232
LUCENT TECHNOLOGIES INC DEFINED 950
LUCENT TECHNOLOGIES INC OTHER 2902
LUCENT TECHNOLOGIES INC DEF/OTH 608
MCI WORLDCOM INC SOLE 71414
MCI WORLDCOM INC SOLE 4526
MCI WORLDCOM INC DEF/OTH 95
MCI WORLDCOM INC DEF/OTH 194
MARSH & MCLENNAN COS. INC. SOLE 19980
MARSH & MCLENNAN COS. INC. SOLE 375
MARSH & MCLENNAN COS. INC. DEF/OTH 1200
MAY DEPARTMENT STORES SOLE 969
MAY DEPARTMENT STORES SOLE 19837
MCDONALDS CORP SOLE 3428
MCDONALDS CORP SOLE 12750
MCDONALDS CORP OTHER 1600
MCDONALDS CORP DEF/OTH 1600
MCGRAW-HILL COMPANIES INC SOLE 4000
MEDIMMUNE SOLE 14300
MELLON BANK SOLE 53907
MELLON BANK SOLE 20476
MELLON BANK OTHER 116
MERCK & CO INC SOLE 97320
MERCK & CO INC SOLE 8513
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 24888
MERRILL LYNCH & CO SOLE 6080
MERRILL LYNCH & CO OTHER 40
MERRILL LYNCH & CO DEF/OTH 200
MICROSOFT CORP SOLE 156022
MICROSOFT CORP SOLE 10408
MICROSOFT CORP DEFINED 300
MICROSOFT CORP DEFINED 300
MICROSOFT CORP OTHER 7370
MICROSOFT CORP DEF/OTH 220
MICROSOFT CORP DEF/OTH 360
MINDSPRING ENTERPRISES INC SOLE 6200
MINNESOTA MINING & MFG CO SOLE 10424
MINNESOTA MINING & MFG CO SOLE 6325
MINNESOTA MINING & MFG CO OTHER 5000
MINNESOTA MINING & MFG CO DEF/OTH 800
MOBIL CORP SOLE 9325
MOBIL CORP SOLE 7400
MOHAWK IND INC SOLE 8000
MONSANTO CO SOLE 4500
MONSANTO CO DEFINED 1000
MORGAN J.P. & CO INC SOLE 8800
MORGAN J.P. & CO INC SOLE 4148
MORGAN J.P. & CO INC DEFINED 250
MORGAN J.P. & CO INC OTHER 875
MORGAN J.P. & CO INC DEF/OTH 500
MOTOROLA INC SOLE 10000
MOTOROLA INC OTHER 1600
NATIONAL CITY CORP SOLE 20798
NATIONAL CITY CORP OTHER 1500
NATL COMMERCE BANCORP SOLE 16500
NETWORK SOLUTIONS INC-CL-A SOLE 14770
NETWORK SOLUTIONS INC-CL-A SOLE 1485
NICOR INC. SOLE 5700
NORFOLK SOUTHN CORP DEFINED 5130
NORFOLK SOUTHN CORP OTHER 11517
O'REILLY AUTOMOTIVE INC. SOLE 7000
PNC BANK CORP SOLE 1856
PNC BANK CORP DEFINED 8800
PNC BANK CORP DEF/OTH 3798
PACKAGED ICE INC SOLE 10000
PAPA JOHN INTERNATIONAL INC SOLE 5700
PENNEY, J.C. INC SOLE 12750
PENNEY, J.C. INC DEFINED 1216
PEOPLES ENERGY CORP SOLE 10100
PEPSICO INC SOLE 26900
PEPSICO INC SOLE 600
PEPSICO INC DEFINED 7000
PEPSICO INC DEF/OTH 2025
PFIZER INC SOLE 160885
PFIZER INC SOLE 12050
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 17639
PIEDMONT NATURAL GAS CO SOLE 700
PIEDMONT NATURAL GAS CO SOLE 14200
PIEDMONT NATURAL GAS CO DEFINED 800
PITNEY-BOWES, INC. SOLE 22033
PITNEY-BOWES, INC. SOLE 7225
PLEXUS CORP SOLE 15000
PROCTER & GAMBLE CO. SOLE 150039
PROCTER & GAMBLE CO. SOLE 10299
PROCTER & GAMBLE CO. DEFINED 5281
PROCTER & GAMBLE CO. OTHER 50956
PROCTER & GAMBLE CO. DEF/OTH 2100
PROVIDENT FINANCIAL GROUP INC SOLE 345346
PROVIDENT FINANCIAL GROUP INC SOLE 17275
PROVIDENT FINANCIAL GROUP INC DEFINED 2745
PROVIDENT FINANCIAL GROUP INC OTHER 450
PROVIDIAN FINANCIAL CORP SOLE 25
PROVIDIAN FINANCIAL CORP SOLE 25
PROVIDIAN FINANCIAL CORP OTHER 3000
PROVIDIAN FINANCIAL CORP DEF/OTH 1800
PUTNAM SOLE 19534
PUTNAM SOLE 24529
QUINTILES TRANSNATIONAL CORP SOLE 5000
QWEST COMMUNICATIONS INTL SOLE 13635
QWEST COMMUNICATIONS INTL SOLE 1400
REALNETWORKS INC SOLE 4000
RIVERFRONT SOLE 1306127
RIVERFRONT SOLE 18148
RIVERFRONT DEFINED 55180
RIVERFRONT OTHER 54056
RIVERFRONT DEF/OTH 57870
RIVERFRONT SOLE 52284
RIVERFRONT SOLE 1972
RIVERFRONT DEFINED 11373
RIVERFRONT DEFINED 14482
RIVERFRONT OTHER 1973
RIVERFRONT SOLE 30718
RIVERFRONT SOLE 2229
RIVERFRONT DEFINED 9259
RIVERFRONT SOLE 2780411
RIVERFRONT SOLE 44949
RIVERFRONT DEFINED 50568
RIVERFRONT DEFINED 12125
RIVERFRONT OTHER 195236
RIVERFRONT DEF/OTH 280006
RIVERFRONT SOLE 247919
RIVERFRONT SOLE 13519
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 22416
SBC COMMUNICATIONS DEFINED 1784
SBC COMMUNICATIONS OTHER 1570
SEI INVESTMENTS COMPANY SOLE 6800
SANMINA CORPORATION SOLE 11500
SCANA CORP SOLE 17600
SCANA CORP DEFINED 1000
SCHERING-PLOUGH CORP SOLE 64524
SCHERING-PLOUGH CORP SOLE 4943
SCHERING-PLOUGH CORP DEFINED 200
SCHERING-PLOUGH CORP OTHER 882
SCHLUMBERGER LTD SOLE 7085
SCHLUMBERGER LTD SOLE 5485
SCHLUMBERGER LTD OTHER 377
SCHLUMBERGER LTD DEF/OTH 200
SCHWAB (CHARLES) CORP SOLE 51556
SCHWAB (CHARLES) CORP SOLE 9712
SCHWAB (CHARLES) CORP DEFINED 850
SCHWAB (CHARLES) CORP OTHER 53
SCHWAB (CHARLES) CORP DEF/OTH 90
SMITHKLINE BEECHAM SOLE 2400
SMITHKLINE BEECHAM DEFINED 3200
SPORTSLINE USA INC SOLE 6000
STAPLES INC. SOLE 182375
STAPLES INC. SOLE 12161
STAPLES INC. DEFINED 562
STAPLES INC. OTHER 1012
STAPLES INC. DEF/OTH 450
STATE STREET CORP SOLE 5128
STATE STREET CORP SOLE 6500
SUMMIT BANCORP SOLE 21900
TELEBANC FINANCIAL CORP SOLE 6800
TEMPLE INLAND INC. SOLE 12800
TEXACO INC SOLE 21654
TEXACO INC SOLE 10125
TEXACO INC DEFINED 1100
TEXACO INC OTHER 8050
TEXACO INC DEF/OTH 2200
TEXAS INSTRUMENTS INC SOLE 4900
THOMAS & BETTS CORP SOLE 11500
TIME WARNER INC SOLE 81796
TIME WARNER INC SOLE 15785
TIME WARNER INC DEF/OTH 100
TYCO INTERNATIONAL LTD SOLE 68655
TYCO INTERNATIONAL LTD SOLE 9891
TYCO INTERNATIONAL LTD DEFINED 150
TYCO INTERNATIONAL LTD OTHER 413
TYCO INTERNATIONAL LTD DEF/OTH 200
UNITED TECHNOLOGIES CORP SOLE 3500
UNITED TECHNOLOGIES CORP SOLE 170
VANGUARD SOLE 324980
VANGUARD OTHER 8335
VANGUARD DEF/OTH 84152
VISX INC SOLE 5800
VITESSE SEMICONDUCTOR CORP SOLE 14200
WAL-MART STORES INC SOLE 177982
WAL-MART STORES INC SOLE 10126
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 198152
WALGREEN CO SOLE 8730
WALGREEN CO OTHER 176
WALGREEN CO DEF/OTH 440
WARNER LAMBERT CO SOLE 80556
WARNER LAMBERT CO SOLE 8068
WARNER LAMBERT CO DEFINED 130
WARNER LAMBERT CO OTHER 480
WARNER LAMBERT CO DEF/OTH 137
WELLS FARGO COMPANY SOLE 6340
WELLS FARGO COMPANY DEFINED 4100
WELLS FARGO COMPANY OTHER 7000
WELLS FARGO COMPANY DEF/OTH 450
WILLAMETTE IND INC SOLE 16250
WORLDTEX INC DEFINED 284509
XEROX CORP SOLE 10400
YAHOO! INC. SOLE 1330
YAHOO! INC. SOLE 285
LERNOUT & HAUSPIE SPEECH PRO SOLE 10000
TOMMY HILFIGER SOLE 3000
BIOMEDICAL DISPOSAL, INC. SOLE 40000
</TABLE>
