[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: 03/31/1999
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, OHIO 05/18/1999
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: 441
Form 13F Information Table Value Total: $ 521,983
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 4912 61540 SH
AT&T CORP COMMON STOCK 001957109 43 541 SH
AT&T CORP COMMON STOCK 001957109 141 1768 SH
ABBOTT LABS COMMON STOCK 002824100 2218 47380 SH
ABBOTT LABS COMMON STOCK 002824100 300 6400 SH
AEGON N.V. COMMON STOCK 007924103 156 1736 SH
AEGON N.V. COMMON STOCK 007924103 94 1042 SH
ALLEGHENY TELEDYNE INC COMMON STOCK 017415100 580 30621 SH
ALLSTATE CORP COMMON STOCK 020002101 275 7421 SH
ALLSTATE CORP COMMON STOCK 020002101 113 3054 SH
ALLSTATE CORP COMMON STOCK 020002101 126 3388 SH
ALLSTATE CORP COMMON STOCK 020002101 27 740 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 19587 133246 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 394 2680 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 72 490 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 294 1997 SH
AMERICAN ANNUITY GROUP INC COMMON STOCK 023840101 13233 608402 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 3417 29016 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 24 200 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 236 2000 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 2246 34427 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 1279 19600 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 496 7600 SH
AMER INTL GROUP INC COMMON STOCK 026874107 9690 80334 SH
AMER INTL GROUP INC COMMON STOCK 026874107 311 2580 SH
AMER INTL GROUP INC COMMON STOCK 026874107 50 416 SH
AMERICAN ITALIAN PASTA CO COMMON STOCK 027070101 500 20000 SH
AMERICAN MGMT SYSTEMS INC. COMMON STOCK 027352103 266 7800 SH
AMERITRADE HOLDING CORP COMMON STOCK 03072H109 531 8600 SH
AMERITECH CORP NEW COMMON STOCK 030954101 1922 33360 SH
AMERITECH CORP NEW COMMON STOCK 030954101 69 1200 SH
AMERITECH CORP NEW COMMON STOCK 030954101 830 14400 SH
AMERITECH CORP NEW COMMON STOCK 030954101 138 2400 SH
AMSOUTH BANCORPORATION COMMON STOCK 032165102 685 15050 SH
ANHEUSER-BUSCH COS INC. COMMON STOCK 035229103 228 3000 SH
ARMSTRONG WORLD INDS INC. COMMON STOCK 042476101 519 11483 SH
ARMSTRONG WORLD INDS INC. COMMON STOCK 042476101 14 300 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 546 12132 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 80 1780 SH
ASTORIA FINANCIAL CORP COMMON STOCK 046265104 250 5000 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 462 6320 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 15 200 SH
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 1051 25400 SH
BEC ENERGY COMMON STOCK 05538M101 441 12000 SH
BEC ENERGY COMMON STOCK 05538M101 15 400 SH
BP AMOCO PLC-SPONS ADR COMMON STOCK 055622104 1592 15765 SH
BP AMOCO PLC-SPONS ADR COMMON STOCK 055622104 508 5027 SH
BP AMOCO PLC-SPONS ADR COMMON STOCK 055622104 140 1390 SH
BANK NEW YORK INC COMMON STOCK 064057102 201 5600 SH
BANK ONE CORP COMMON STOCK 06423A103 995 18079 SH
BANK ONE CORP COMMON STOCK 06423A103 44 796 SH
BANK ONE CORP COMMON STOCK 06423A103 6 101 SH
BANKAMERICA CORP COMMON STOCK 06605F102 5010 70934 SH
BANKAMERICA CORP COMMON STOCK 06605F102 75 1058 SH
BANKAMERICA CORP COMMON STOCK 06605F102 3 48 SH
BANKAMERICA CORP COMMON STOCK 06605F102 8 113 SH
BAUSCH & LOMB INC COMMON STOCK 071707103 709 10900 SH
BED BATH & BEYOND INC COMMON STOCK 075896100 803 22000 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 553 10706 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 91 1758 SH
BELLSOUTH CORP COMMON STOCK 079860102 1289 32164 SH
BELLSOUTH CORP COMMON STOCK 079860102 48 1200 SH
BELLSOUTH CORP COMMON STOCK 079860102 529 13200 SH
BELLSOUTH CORP COMMON STOCK 079860102 65 1620 SH
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670108 1142 16 SH
BEST FOODS COMMON STOCK 08658U101 719 15306 SH
BEST FOODS COMMON STOCK 08658U101 226 4800 SH
BEST FOODS COMMON STOCK 08658U101 266 5650 SH
BOEING CO. COMMON STOCK 097023105 376 11050 SH
BOEING CO. COMMON STOCK 097023105 34 1000 SH
BOEING CO. COMMON STOCK 097023105 71 2098 SH
BOWATER INC COMMON STOCK 102183100 436 11000 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 6259 97600 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 38 600 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 760 11850 SH
BURLINGTON NORTHERN SANTA FE COMMON STOCK 12189T104 422 12825 SH
BURLINGTON NORTHERN SANTA FE COMMON STOCK 12189T104 49 1500 SH
CARDINAL HEALTH COMMON STOCK 14149Y108 2253 34140 SH
CATALYTICA INC COMMON STOCK 148885106 275 25000 SH
CATERPILLAR INC COMMON STOCK 149123101 466 10142 SH
CATERPILLAR INC COMMON STOCK 149123101 18 400 SH
CATERPILLAR INC COMMON STOCK 149123101 129 2800 SH
CELLSTAR CORP COMMON STOCK 150925105 208 20000 SH
CHASE MANHATTAN CORP COMMON STOCK 16161A108 250 3075 SH
CHEVRON CORP COMMON STOCK 166751107 1376 15507 SH
CHEVRON CORP COMMON STOCK 166751107 94 1064 SH
CHEVRON CORP COMMON STOCK 166751107 142 1600 SH
CHEVRON CORP COMMON STOCK 166751107 18 200 SH
CHIQUITA BRANDS INTL INC COMMON STOCK 170032106 63 6200 SH
CHIQUITA BRANDS INTL INC COMMON STOCK 170032106 3056 300000 SH
CHIQUITA BRANDS INTL INC COMMON STOCK 170032106 33 3212 SH
CINCINNATI BELL INC COMMON STOCK 171870108 1473 65636 SH
CINCINNATI BELL INC COMMON STOCK 171870108 561 24988 SH
CINCINNATI BELL INC COMMON STOCK 171870108 7 300 SH
CINERGY CORP COMMON STOCK 172474108 928 33753 SH
CINERGY CORP COMMON STOCK 172474108 12 450 SH
CINERGY CORP COMMON STOCK 172474108 44 1595 SH
CINERGY CORP COMMON STOCK 172474108 18 665 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 13555 123718 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 62 562 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 125 1140 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 247 2250 SH
CINTAS CORP COMMON STOCK 172908105 2016 30838 SH
CINTAS CORP COMMON STOCK 172908105 13 200 SH
CITIGROUP INC COMMON STOCK 172967101 5251 82209 SH
CITIGROUP INC COMMON STOCK 172967101 38 600 SH
CITIGROUP INC COMMON STOCK 172967101 4 64 SH
CITIGROUP INC COMMON STOCK 172967101 29 450 SH
CLOROX CO COMMON STOCK 189054109 913 7787 SH
COCA COLA CO COMMON STOCK 191216100 6071 98924 SH
COCA COLA CO COMMON STOCK 191216100 466 7600 SH
COCA COLA CO COMMON STOCK 191216100 1534 25000 SH
COCA COLA CO COMMON STOCK 191216100 215 3500 SH
COMAIR HOLDING, INC. COMMON STOCK 199789108 376 15900 SH
COMAIR HOLDING, INC. COMMON STOCK 199789108 53 2250 SH
COMPAQ COMPUTER CORP COMMON STOCK 204493100 3130 98778 SH
COMPAQ COMPUTER CORP COMMON STOCK 204493100 80 2525 SH
COMPAQ COMPUTER CORP COMMON STOCK 204493100 34 1075 SH
COMPAQ COMPUTER CORP COMMON STOCK 204493100 25 800 SH
COMPLETE BUSINESS SOLUTIONS COMMON STOCK 20452F107 450 22955 SH
COMVERSE TECHNOLOGY INC COMMON STOCK 205862402 298 3500 SH
CONAGRA, INC. COMMON STOCK 205887102 1494 58300 SH
CONAGRA, INC. COMMON STOCK 205887102 87 3400 SH
CONAGRA, INC. COMMON STOCK 205887102 8 300 SH
CONSOLIDATED GRAPHICS INC COMMON STOCK 209341106 578 10000 SH
CONVERGYS CORP COMMON STOCK 212485106 264 15442 SH
CONVERGYS CORP COMMON STOCK 212485106 9 500 SH
CONVERGYS CORP COMMON STOCK 212485106 452 26388 SH
CONVERGYS CORP COMMON STOCK 212485106 5 300 SH
COOPER IND INC COMMON STOCK 216669101 460 10800 SH
COOPER TIRE & RUBBER CO. COMMON STOCK 216831107 380 20700 SH
COUNTRYWIDE MUTUAL FUNDS FI 221910201 175 16307 SH
COX RADIO INC-CL A COMMON STOCK 224051102 256 5000 SH
DEERE & CO. COMMON STOCK 244199105 115 2970 SH
DEERE & CO. COMMON STOCK 244199105 93 2400 SH
DELL COMPUTER CORP COMMON STOCK 247025109 9056 221555 SH
DELL COMPUTER CORP COMMON STOCK 247025109 16 400 SH
DELL COMPUTER CORP COMMON STOCK 247025109 28 680 SH
DELL COMPUTER CORP COMMON STOCK 247025109 41 1000 SH
DEVELOPERS DIVERSIFIED RLTY COMMON STOCK 251591103 162 11300 SH
DEVRY INC COMMON STOCK 251893103 278 9600 SH
DIGI INTL INC COMMON STOCK 253798102 68 10000 SH
DISNEY WALT HLDG CO COMMON STOCK 254687106 1747 56131 SH
DISNEY WALT HLDG CO COMMON STOCK 254687106 3 100 SH
DISNEY WALT HLDG CO COMMON STOCK 254687106 53 1700 SH
DOW CHEM CO COMMON STOCK 260543103 56 604 SH
DOW CHEM CO COMMON STOCK 260543103 140 1500 SH
DOW CHEM CO COMMON STOCK 260543103 42 450 SH
DOW CHEM CO COMMON STOCK 260543103 47 500 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 1345 23168 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 781 13450 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 81 1400 SH
DUFF/PHELPS SELECT UTIL COMMON STOCK 264324104 35 3300 SH
DUFF/PHELPS SELECT UTIL COMMON STOCK 264324104 102 9500 SH
DUKE ENERGY CORP COMMON STOCK 264399106 238 4337 SH
EMC CORPORATION COMMON STOCK 268648102 6079 47587 SH
EMC CORPORATION COMMON STOCK 268648102 10 75 SH
EMC CORPORATION COMMON STOCK 268648102 56 438 SH
EMC CORPORATION COMMON STOCK 268648102 27 215 SH
E*TRADE GROUP INC COMMON STOCK 269246104 507 8700 SH
EATON VANCE CORP COMMON STOCK 278265103 201 10000 SH
EMERSON ELEC CO. COMMON STOCK 291011104 438 8266 SH
EMERSON ELEC CO. COMMON STOCK 291011104 127 2400 SH
EMERSON ELEC CO. COMMON STOCK 291011104 48 900 SH
ENRON CORP COMMON STOCK 293561106 371 5767 SH
EQUITY RESIDENTIAL PROPERTIES COMMON STOCK 29476L107 361 8757 SH
EXODUS COMMUNICATIONS INC COMMON STOCK 302088109 390 2900 SH
EXPRESS SCRIPTS INC CL A COMMON STOCK 302182100 206 2400 SH
EXXON CORP COMMON STOCK 302290101 6190 87729 SH
EXXON CORP COMMON STOCK 302290101 575 8150 SH
EXXON CORP COMMON STOCK 302290101 800 11340 SH
EXXON CORP COMMON STOCK 302290101 183 2592 SH
FANNIE MAE COMMON STOCK 313586109 6599 95287 SH
FANNIE MAE COMMON STOCK 313586109 10 150 SH
FANNIE MAE COMMON STOCK 313586109 29 425 SH
FANNIE MAE COMMON STOCK 313586109 42 600 SH
FEDERATED MUTUAL FUNDS EQ 313900102 681 17953 SH
FEDERATED MUTUAL FUNDS FI 314184102 869 76930 SH
FEDERATED MUTUAL FUNDS FI 314184102 481 42576 SH
FEDERATED MUTUAL FUNDS FI 314184102 129 11407 SH
FEDERATED MUTUAL FUNDS FI 314184102 25 2252 SH
FEDERATED MUTUAL FUNDS FI 314284100 525 50340 SH
FEDERATED MUTUAL FUNDS FI 31428P103 389 36269 SH
FELCOR LODGING TRUST, INC COMMON STOCK 31430F101 211 9100 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 1618 24538 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 1026 15565 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 2536 38462 SH
FILENET CORP COMMON STOCK 316869106 140 20000 SH
FIRST AMERICAN CORP-TENN COMMON STOCK 318900107 313 8500 SH
FIRST UNION CORP COMMON STOCK 337358105 273 5101 SH
FIRST UNION CORP COMMON STOCK 337358105 16 300 SH
FIRST VA BKS INC COMMON STOCK 337477103 397 8700 SH
FIRSTAR CORP COMMON STOCK 33763V109 1936 21634 SH
FIRSTAR CORP COMMON STOCK 33763V109 2363 26400 SH
FIRSTAR CORP COMMON STOCK 33763V109 27 300 SH
FORD MOTOR CO COMMON STOCK 345370100 3137 55338 SH
FORD MOTOR CO COMMON STOCK 345370100 206 3634 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 1035 26875 SH
FRANKLIN MUTUAL FUNDS FI 353496607 70 10264 SH
GTE CORP COMMON STOCK 362320103 1046 17284 SH
GANNETT INC COMMON STOCK 364730101 1209 19188 SH
GANNETT INC COMMON STOCK 364730101 50 800 SH
GANNETT INC COMMON STOCK 364730101 252 4000 SH
GANNETT INC COMMON STOCK 364730101 50 800 SH
GAP INC COMMON STOCK 364760108 4075 60535 SH
GAP INC COMMON STOCK 364760108 13 187 SH
GAP INC COMMON STOCK 364760108 6 93 SH
GAP INC COMMON STOCK 364760108 33 487 SH
GATEWAY MUTUAL FUNDS FI 367829207 406 18639 SH
GENENTECH INC COMMON STOCK 368710307 620 7000 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 13685 123702 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 537 4854 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 1370 12380 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 553 5000 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 673 7730 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 35 400 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 87 1000 SH
GEMTEX CORP COMMON STOCK 371901109 690 32000 SH
GENUINE PARTS CO. COMMON STOCK 372460105 649 22525 SH
GENUINE PARTS CO. COMMON STOCK 372460105 39 1350 SH
GENUINE PARTS CO. COMMON STOCK 372460105 29 1012 SH
GEORGIA PACIFIC COMMON STOCK 373298702 247 11000 SH
GEORGIA PACIFIC COMMON STOCK 373298702 13 600 SH
GEORGIA PACIFIC COMMON STOCK 373298702 9 400 SH
GILLETTE CO COMMON STOCK 375766102 3495 58809 SH
GILLETTE CO COMMON STOCK 375766102 89 1500 SH
GILLETTE CO COMMON STOCK 375766102 262 4400 SH
JOHN HANCOCK MUTUAL FUNDS EQ 409905106 394 7781 SH
H J HEINZ CO. COMMON STOCK 423074103 237 5000 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 2957 43603 SH
HOME DEPOT INC COMMON STOCK 437076102 6822 109588 SH
HOME DEPOT INC COMMON STOCK 437076102 17 270 SH
HOME DEPOT INC COMMON STOCK 437076102 5 87 SH
HOME DEPOT INC COMMON STOCK 437076102 21 335 SH
HUNTINGTON BANCSHARES INC COMMON STOCK 446150104 201 6500 SH
INTEL CORP COMMON STOCK 458140100 10961 92205 SH
INTEL CORP COMMON STOCK 458140100 260 2190 SH
INTEL CORP COMMON STOCK 458140100 72 605 SH
INTEL CORP COMMON STOCK 458140100 98 825 SH
IBM CORP COMMON STOCK 459200101 1689 9528 SH
IBM CORP COMMON STOCK 459200101 142 800 SH
IBM CORP COMMON STOCK 459200101 284 1600 SH
IBM CORP COMMON STOCK 459200101 258 1456 SH
FEDERATED MUTUAL FUNDS EQ 46031P308 431 21430 SH
INTIMATE BRANDS COMMON STOCK 461156101 592 12300 SH
I 2 TECHNOLOGIES INC. COMMON STOCK 465754109 266 10000 SH
JACOR COMMUNICATIONS COMMON STOCK 469858401 1053 13850 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 4987 53339 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 187 2000 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 374 4000 SH
KENDLE INTERNATIONAL INC COMMON STOCK 48880L107 763 37900 SH
KIMBERLY CLARK COMMON STOCK 494368103 1763 36779 SH
KIMBERLY CLARK COMMON STOCK 494368103 601 12544 SH
KIMBERLY CLARK COMMON STOCK 494368103 60 1248 SH
KOHLS CORP COMMON STOCK 500255104 301 4240 SH
KROGER CO COMMON STOCK 501044101 209 3496 SH
LG&E ENERGY CORP COMMON STOCK 501917108 198 9496 SH
LG&E ENERGY CORP COMMON STOCK 501917108 19 900 SH
LG&E ENERGY CORP COMMON STOCK 501917108 131 6300 SH
LG&E ENERGY CORP COMMON STOCK 501917108 44 2100 SH
LEGG MASON INC COMMON STOCK 524901105 758 22500 SH
ELI LILLY & CO COMMON STOCK 532457108 3360 39592 SH
ELI LILLY & CO COMMON STOCK 532457108 42 500 SH
ELI LILLY & CO COMMON STOCK 532457108 116 1362 SH
ELI LILLY & CO COMMON STOCK 532457108 13 150 SH
LINCOLN NATL CORP COMMON STOCK 534187109 227 2300 SH
LINCOLN NATL CORP COMMON STOCK 534187109 59 600 SH
LINCOLN NATL CORP COMMON STOCK 534187109 112 1131 SH
LOOMIS SAYLES MUTUAL FUNDS EQ 543487607 1469 118684 SH
LOWE'S COS INC COMMON STOCK 548661107 448 7400 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 5907 54698 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 51 475 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 157 1451 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 33 304 SH
MCN ENERGY GROUP INC COMMON STOCK 55267J100 188 11700 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 6239 70442 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 26 289 SH
MARSH & MCLENNAN COS. INC. COMMON STOCK 571748102 1511 20355 SH
MARSH & MCLENNAN COS. INC. COMMON STOCK 571748102 89 1200 SH
MAY DEPARTMENT STORES COMMON STOCK 577778103 814 20806 SH
MCDONALDS CORP COMMON STOCK 580135101 733 16178 SH
MCDONALDS CORP COMMON STOCK 580135101 73 1600 SH
MCDONALDS CORP COMMON STOCK 580135101 73 1600 SH
MCGRAW-HILL COMPANIES INC COMMON STOCK 580645109 218 4000 SH
MEDIMMUNE COMMON STOCK 584699102 787 13300 SH
MELLON BANK COMMON STOCK 585509102 2766 39299 SH
MELLON BANK COMMON STOCK 585509102 4 58 SH
MERCANTILE BANCORP INC COMMON STOCK 587342106 209 4400 SH
MERCK & CO INC COMMON STOCK 589331107 8217 102548 SH
MERCK & CO INC COMMON STOCK 589331107 521 6500 SH
MERCK & CO INC COMMON STOCK 589331107 317 3960 SH
MERCK & CO INC COMMON STOCK 589331107 41 510 SH
MERRILL LYNCH & CO COMMON STOCK 590188108 2307 26069 SH
MERRILL LYNCH & CO COMMON STOCK 590188108 4 40 SH
MERRILL LYNCH & CO COMMON STOCK 590188108 18 200 SH
MICROSOFT CORP COMMON STOCK 594918104 14204 158480 SH
MICROSOFT CORP COMMON STOCK 594918104 63 700 SH
MICROSOFT CORP COMMON STOCK 594918104 661 7370 SH
MICROSOFT CORP COMMON STOCK 594918104 52 580 SH
MINDSPRING ENTERPRISES INC COMMON STOCK 602683104 353 4100 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 1185 16749 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 354 5000 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 57 800 SH
MOBIL CORP COMMON STOCK 607059102 2105 23925 SH
MOHAWK IND INC COMMON STOCK 608190104 240 8000 SH
MORGAN J.P. & CO INC COMMON STOCK 616880100 1597 12948 SH
MORGAN J.P. & CO INC COMMON STOCK 616880100 74 600 SH
MORGAN J.P. & CO INC COMMON STOCK 616880100 62 500 SH
MOTOROLA INC COMMON STOCK 620076109 733 10000 SH
MOTOROLA INC COMMON STOCK 620076109 117 1600 SH
NATIONAL CITY CORP COMMON STOCK 635405103 1447 21798 SH
NATIONAL CITY CORP COMMON STOCK 635405103 100 1500 SH
NATL COMMERCE BANCORP COMMON STOCK 635449101 297 13000 SH
NATIONAL FUEL & GAS COMMON STOCK 636180101 228 5800 SH
NETWORK SOLUTIONS INC-CL-A COMMON STOCK 64121Q102 1009 9540 SH
NICOR INC. COMMON STOCK 654086107 205 5700 SH
NORFOLK SOUTHN CORP COMMON STOCK 655844108 11 400 SH
NORFOLK SOUTHN CORP COMMON STOCK 655844108 135 5130 SH
NORFOLK SOUTHN CORP COMMON STOCK 655844108 304 11517 SH
OGE ENERGY CORP COMMON STOCK 670837103 356 15800 SH
OGE ENERGY CORP COMMON STOCK 670837103 41 1800 SH
O'REILLY AUTOMOTIVE INC. COMMON STOCK 686091109 313 7000 SH
PNC BANK CORP COMMON STOCK 693475105 1048 18856 SH
PNC BANK CORP COMMON STOCK 693475105 489 8800 SH
PNC BANK CORP COMMON STOCK 693475105 211 3798 SH
PACKAGED ICE INC COMMON STOCK 695148106 61 10000 SH
PAPA JOHN INTERNATIONAL INC COMMON STOCK 698813102 516 11700 SH
PENNEY, J.C. INC COMMON STOCK 708160106 523 12902 SH
PENNEY, J.C. INC COMMON STOCK 708160106 49 1216 SH
PENNEY, J.C. INC COMMON STOCK 708160106 8 200 SH
PEOPLES ENERGY CORP COMMON STOCK 711030106 326 10100 SH
PEPSICO INC COMMON STOCK 713448108 1058 27000 SH
PEPSICO INC COMMON STOCK 713448108 274 7000 SH
PEPSICO INC COMMON STOCK 713448108 79 2025 SH
PHARMACIA & UPJOHN INC COMMON STOCK 716941109 680 10900 SH
PFIZER INC COMMON STOCK 717081103 7448 53682 SH
PFIZER INC COMMON STOCK 717081103 1016 7325 SH
PFIZER INC COMMON STOCK 717081103 616 4437 SH
PFIZER INC COMMON STOCK 717081103 24 175 SH
PHILIP MORRIS CO. INC. COMMON STOCK 718154107 170 4840 SH
PHILIP MORRIS CO. INC. COMMON STOCK 718154107 24 675 SH
PHILIP MORRIS CO. INC. COMMON STOCK 718154107 621 17639 SH
PITNEY-BOWES, INC. COMMON STOCK 724479100 1575 24713 SH
PLEXUS CORP COMMON STOCK 729132100 418 15000 SH
T ROWE PRICE & ASSOC COMMON STOCK 741477103 638 18564 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 16767 171200 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 537 5481 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 4983 50881 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 206 2100 SH
PROVIDENT FINANCIAL GROUP INC COMMON STOCK 743866105 14509 378083 SH
PROVIDENT FINANCIAL GROUP INC COMMON STOCK 743866105 105 2745 SH
PROVIDENT FINANCIAL GROUP INC COMMON STOCK 743866105 17 450 SH
PROVIDIAN FINANCIAL CORP COMMON STOCK 74406A102 330 3000 SH
PROVIDIAN FINANCIAL CORP COMMON STOCK 74406A102 198 1800 SH
PUTNAM MUTUAL FUNDS FI 746704105 222 19534 SH
PUTNAM MUTUAL FUNDS FI 74678J104 201 24529 SH
QUINTILES TRANSNATIONAL CORP COMMON STOCK 748767100 302 8000 SH
RJR NABISCO HLDGS CORP COMMON STOCK 74960K876 548 21900 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 13338 1399583 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 541 56756 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 557 58460 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 597 62695 SH
RIVERFRONT MUTUAL FUNDS EQ 768709404 510 50620 SH
RIVERFRONT MUTUAL FUNDS EQ 768709404 317 31515 SH
RIVERFRONT MUTUAL FUNDS EQ 768709404 20 1970 SH
RIVERFRONT MUTUAL FUNDS BA 768709602 462 33819 SH
RIVERFRONT MUTUAL FUNDS BA 768709602 127 9259 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 42082 2721988 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 656 42402 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 3026 195711 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 4403 284789 SH
RIVERFRONT MUTUAL FUNDS EQ 768709867 1414 189275 SH
ROCKWELL INTL CORP COMMON STOCK 773903109 446 10500 SH
ROHM & HAAS CO COMMON STOCK 775371107 678 20200 SH
ROYAL DUTCH PETROLEUM CO FOREIGN STOCK 780257804 1905 36625 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 869 18416 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 84 1784 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 74 1570 SH
SEI INVESTMENTS COMPANY COMMON STOCK 784117103 629 6800 SH
SANMINA CORPORATION COMMON STOCK 800907107 733 11500 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 4290 77640 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 11 200 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 49 882 SH
SCHLUMBERGER LTD FOREIGN STOCK 806857108 788 13090 SH
SCHLUMBERGER LTD FOREIGN STOCK 806857108 23 375 SH
SCHLUMBERGER LTD FOREIGN STOCK 806857108 12 200 SH
SCHWAB (CHARLES) CORP COMMON STOCK 808513105 3853 40082 SH
SCHWAB (CHARLES) CORP COMMON STOCK 808513105 147 1525 SH
SCHWAB (CHARLES) CORP COMMON STOCK 808513105 5 53 SH
SCHWAB (CHARLES) CORP COMMON STOCK 808513105 9 90 SH
SMITHKLINE BEECHAM FOREIGN STOCK 832378301 172 2400 SH
SMITHKLINE BEECHAM FOREIGN STOCK 832378301 229 3200 SH
STAPLES INC. COMMON STOCK 855030102 5935 180518 SH
STAPLES INC. COMMON STOCK 855030102 18 562 SH
STAPLES INC. COMMON STOCK 855030102 9 262 SH
STAPLES INC. COMMON STOCK 855030102 15 450 SH
STATE STREET CORP COMMON STOCK 857477103 1417 17228 SH
STERIS CORP COMMON STOCK 859152100 586 22000 SH
SUMMIT BANCORP COMMON STOCK 866005101 854 21900 SH
TEMPLE INLAND INC. COMMON STOCK 879868107 803 12800 SH
TEMPLETON MUTUAL FUNDS EQ 880210208 96 10605 SH
TEXACO INC COMMON STOCK 881694103 864 15218 SH
TEXACO INC COMMON STOCK 881694103 454 8000 SH
TEXACO INC COMMON STOCK 881694103 114 2000 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 486 4900 SH
THOMAS & BETTS CORP COMMON STOCK 884315102 432 11500 SH
TIME WARNER INC COMMON STOCK 887315109 6635 93697 SH
TIME WARNER INC COMMON STOCK 887315109 7 100 SH
TRANSAMERICA CORP COMMON STOCK 893485102 696 9800 SH
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 5334 74341 SH
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 11 150 SH
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 5 63 SH
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 14 200 SH
VANGUARD MUTUAL FUNDS FI 921929204 2690 225839 SH
VANGUARD MUTUAL FUNDS FI 921929204 103 8660 SH
VANGUARD MUTUAL FUNDS FI 921929204 1013 85062 SH
VANGUARD MUTUAL FUNDS EQ 922908405 390 17464 SH
VISX INC COMMON STOCK 92844S105 258 2400 SH
VITESSE SEMICONDUCTOR CORP COMMON STOCK 928497106 719 14200 SH
WACHOVIA CORP COMMON STOCK 929771103 122 1500 SH
WACHOVIA CORP COMMON STOCK 929771103 81 1000 SH
WAL-MART STORES INC COMMON STOCK 931142103 8358 90660 SH
WAL-MART STORES INC COMMON STOCK 931142103 23 250 SH
WAL-MART STORES INC COMMON STOCK 931142103 117 1266 SH
WAL-MART STORES INC COMMON STOCK 931142103 58 625 SH
WALGREEN CO COMMON STOCK 931422109 5407 191387 SH
WALGREEN CO COMMON STOCK 931422109 5 176 SH
WALGREEN CO COMMON STOCK 931422109 12 440 SH
WARNER LAMBERT CO COMMON STOCK 934488107 5150 77735 SH
WARNER LAMBERT CO COMMON STOCK 934488107 9 130 SH
WARNER LAMBERT CO COMMON STOCK 934488107 5 80 SH
WARNER LAMBERT CO COMMON STOCK 934488107 9 137 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 275 7840 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 140 4000 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 245 7000 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 16 450 SH
WILLAMETTE IND INC COMMON STOCK 969133107 802 21250 SH
WORLDTEX INC COMMON STOCK 981907108 535 285439 SH
XEROX CORP COMMON STOCK 984121103 534 10250 SH
YAHOO! INC. COMMON STOCK 984332106 221 1310 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 44810
AT&T CORP SOLE 16730
AT&T CORP DEFINED 541
AT&T CORP OTHER 1768
ABBOTT LABS SOLE 47300
ABBOTT LABS SOLE 80
ABBOTT LABS OTHER 6400
AEGON N.V. OTHER 1736
AEGON N.V. DEF/OTH 1042
ALLEGHENY TELEDYNE INC SOLE 30621
ALLSTATE CORP SOLE 1296
ALLSTATE CORP SOLE 6125
ALLSTATE CORP DEFINED 3054
ALLSTATE CORP OTHER 3388
ALLSTATE CORP DEF/OTH 740
AMERICA ONLINE INC SOLE 124534
AMERICA ONLINE INC SOLE 8712
AMERICA ONLINE INC DEFINED 2680
AMERICA ONLINE INC OTHER 490
AMERICA ONLINE INC DEF/OTH 1130
AMERICA ONLINE INC DEF/OTH 867
AMERICAN ANNUITY GROUP INC DEFINED 608402
AMERICAN EXPRESS CO SOLE 29016
AMERICAN EXPRESS CO DEFINED 200
AMERICAN EXPRESS CO OTHER 2000
AMERICAN HOME PRODUCTS CORP SOLE 34362
AMERICAN HOME PRODUCTS CORP SOLE 65
AMERICAN HOME PRODUCTS CORP OTHER 19600
AMERICAN HOME PRODUCTS CORP DEF/OTH 7600
AMER INTL GROUP INC SOLE 73853
AMER INTL GROUP INC SOLE 6481
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 MGMT SYSTEMS INC. SOLE 7800
AMERITRADE HOLDING CORP SOLE 8600
AMERITECH CORP NEW SOLE 33360
AMERITECH CORP NEW DEFINED 1200
AMERITECH CORP NEW OTHER 14400
AMERITECH CORP NEW DEF/OTH 2400
AMSOUTH BANCORPORATION SOLE 15000
AMSOUTH BANCORPORATION SOLE 50
ANHEUSER-BUSCH COS INC. SOLE 3000
ARMSTRONG WORLD INDS INC. SOLE 583
ARMSTRONG WORLD INDS INC. SOLE 10900
ARMSTRONG WORLD INDS INC. DEF/OTH 300
ASSOCIATES FIRST CAPITAL CORP SOLE 12028
ASSOCIATES FIRST CAPITAL CORP SOLE 104
ASSOCIATES FIRST CAPITAL CORP OTHER 1780
ASTORIA FINANCIAL CORP SOLE 5000
ATLANTIC RICHFIELD CO SOLE 6320
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
BP AMOCO PLC-SPONS ADR DEF/OTH 200
BANK NEW YORK INC SOLE 5600
BANK ONE CORP SOLE 2012
BANK ONE CORP SOLE 16067
BANK ONE CORP DEFINED 796
BANK ONE CORP OTHER 101
BANKAMERICA CORP SOLE 54500
BANKAMERICA CORP SOLE 16434
BANKAMERICA CORP DEFINED 1058
BANKAMERICA CORP OTHER 48
BANKAMERICA CORP DEF/OTH 113
BAUSCH & LOMB INC SOLE 10900
BED BATH & BEYOND INC SOLE 22000
BELL ATLANTIC CORP SOLE 2131
BELL ATLANTIC CORP SOLE 8575
BELL ATLANTIC CORP DEFINED 1758
BELLSOUTH CORP SOLE 32164
BELLSOUTH CORP DEFINED 1200
BELLSOUTH CORP OTHER 13200
BELLSOUTH CORP DEF/OTH 1620
BERKSHIRE HATHAWAY INC DEL SOLE 16
BEST FOODS SOLE 15306
BEST FOODS DEFINED 4800
BEST FOODS OTHER 5650
BOEING CO. SOLE 11050
BOEING CO. OTHER 1000
BOEING CO. DEF/OTH 2098
BOWATER INC SOLE 11000
BRISTOL MYERS SQUIBB CO SOLE 97510
BRISTOL MYERS SQUIBB CO SOLE 90
BRISTOL MYERS SQUIBB CO DEFINED 600
BRISTOL MYERS SQUIBB CO OTHER 11850
BURLINGTON NORTHERN SANTA FE SOLE 12825
BURLINGTON NORTHERN SANTA FE OTHER 1500
CARDINAL HEALTH SOLE 33244
CARDINAL HEALTH SOLE 896
CATALYTICA INC SOLE 25000
CATERPILLAR INC SOLE 10142
CATERPILLAR INC DEFINED 400
CATERPILLAR INC OTHER 2800
CELLSTAR CORP SOLE 20000
CHASE MANHATTAN CORP SOLE 3000
CHASE MANHATTAN CORP SOLE 75
CHEVRON CORP SOLE 15347
CHEVRON CORP SOLE 160
CHEVRON CORP DEFINED 1064
CHEVRON CORP OTHER 1600
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 65636
CINCINNATI BELL INC OTHER 24988
CINCINNATI BELL INC DEF/OTH 300
CINERGY CORP SOLE 18253
CINERGY CORP SOLE 15500
CINERGY CORP DEFINED 450
CINERGY CORP OTHER 1595
CINERGY CORP DEF/OTH 665
CISCO SYSTEMS INC SOLE 115974
CISCO SYSTEMS INC SOLE 7744
CISCO SYSTEMS INC DEFINED 562
CISCO SYSTEMS INC OTHER 1140
CISCO SYSTEMS INC DEF/OTH 1950
CISCO SYSTEMS INC DEF/OTH 300
CINTAS CORP SOLE 30548
CINTAS CORP SOLE 290
CINTAS CORP OTHER 200
CITIGROUP INC SOLE 70883
CITIGROUP INC SOLE 11326
CITIGROUP INC DEFINED 600
CITIGROUP INC OTHER 64
CITIGROUP INC DEF/OTH 200
CITIGROUP INC DEF/OTH 250
CLOROX CO SOLE 7787
COCA COLA CO SOLE 97408
COCA COLA CO SOLE 1516
COCA COLA CO DEFINED 7600
COCA COLA CO OTHER 25000
COCA COLA CO DEF/OTH 3500
COMAIR HOLDING, INC. SOLE 15900
COMAIR HOLDING, INC. DEFINED 2250
COMPAQ COMPUTER CORP SOLE 80320
COMPAQ COMPUTER CORP SOLE 18458
COMPAQ COMPUTER CORP DEFINED 2525
COMPAQ COMPUTER CORP OTHER 1075
COMPAQ COMPUTER CORP DEF/OTH 800
COMPLETE BUSINESS SOLUTIONS SOLE 22955
COMVERSE TECHNOLOGY INC SOLE 3500
CONAGRA, INC. SOLE 33300
CONAGRA, INC. SOLE 25000
CONAGRA, INC. OTHER 3400
CONAGRA, INC. DEF/OTH 300
CONSOLIDATED GRAPHICS INC SOLE 10000
CONVERGYS CORP SOLE 15442
CONVERGYS CORP DEFINED 500
CONVERGYS CORP OTHER 26388
CONVERGYS CORP DEF/OTH 300
COOPER IND INC SOLE 10800
COOPER TIRE & RUBBER CO. SOLE 20700
COUNTRYWIDE OTHER 16307
COX RADIO INC-CL A SOLE 5000
DEERE & CO. SOLE 2970
DEERE & CO. OTHER 2400
DELL COMPUTER CORP SOLE 208934
DELL COMPUTER CORP SOLE 12621
DELL COMPUTER CORP DEFINED 400
DELL COMPUTER CORP OTHER 680
DELL COMPUTER CORP DEF/OTH 400
DELL COMPUTER CORP DEF/OTH 600
DEVELOPERS DIVERSIFIED RLTY SOLE 11300
DEVRY INC SOLE 9600
DIGI INTL INC SOLE 10000
DISNEY WALT HLDG CO SOLE 37781
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 23168
DU PONT E I DE NEMOURS & CO OTHER 13450
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 45467
EMC CORPORATION SOLE 2120
EMC CORPORATION DEFINED 75
EMC CORPORATION OTHER 438
EMC CORPORATION DEF/OTH 150
EMC CORPORATION DEF/OTH 65
E*TRADE GROUP INC SOLE 8700
EATON VANCE CORP SOLE 10000
EMERSON ELEC CO. SOLE 2316
EMERSON ELEC CO. SOLE 5950
EMERSON ELEC CO. DEFINED 2400
EMERSON ELEC CO. OTHER 900
ENRON CORP SOLE 2092
ENRON CORP SOLE 3675
EQUITY RESIDENTIAL PROPERTIES SOLE 2657
EQUITY RESIDENTIAL PROPERTIES SOLE 6100
EXODUS COMMUNICATIONS INC SOLE 2300
EXODUS COMMUNICATIONS INC SOLE 600
EXPRESS SCRIPTS INC CL A SOLE 2400
EXXON CORP SOLE 63157
EXXON CORP SOLE 24572
EXXON CORP DEFINED 8150
EXXON CORP OTHER 11340
EXXON CORP DEF/OTH 1760
EXXON CORP DEF/OTH 832
FANNIE MAE SOLE 83050
FANNIE MAE SOLE 12237
FANNIE MAE DEFINED 150
FANNIE MAE OTHER 425
FANNIE MAE DEF/OTH 450
FANNIE MAE DEF/OTH 150
FEDERATED SOLE 17953
FEDERATED SOLE 76930
FEDERATED DEFINED 42576
FEDERATED OTHER 11407
FEDERATED DEF/OTH 2252
FEDERATED SOLE 50340
FEDERATED SOLE 33880
FEDERATED SOLE 2389
FELCOR LODGING TRUST, INC SOLE 9100
FIFTH THIRD BANCORP SOLE 24538
FIFTH THIRD BANCORP DEFINED 15565
FIFTH THIRD BANCORP OTHER 38462
FILENET CORP SOLE 20000
FIRST AMERICAN CORP-TENN SOLE 8500
FIRST UNION CORP SOLE 5101
FIRST UNION CORP DEFINED 300
FIRST VA BKS INC SOLE 8700
FIRSTAR CORP SOLE 21433
FIRSTAR CORP SOLE 201
FIRSTAR CORP DEFINED 26400
FIRSTAR CORP OTHER 300
FORD MOTOR CO SOLE 46988
FORD MOTOR CO SOLE 8350
FORD MOTOR CO OTHER 3634
FORTUNE BRANDS INC SOLE 4475
FORTUNE BRANDS INC SOLE 22400
FRANKLIN SOLE 10264
GTE CORP SOLE 5394
GTE CORP SOLE 11890
GANNETT INC SOLE 19188
GANNETT INC DEFINED 800
GANNETT INC OTHER 4000
GANNETT INC DEF/OTH 800
GAP INC SOLE 55827
GAP INC SOLE 4708
GAP INC DEFINED 187
GAP INC OTHER 93
GAP INC DEF/OTH 262
GAP INC DEF/OTH 225
GATEWAY SOLE 18639
GENENTECH INC SOLE 7000
GENERAL ELECTRIC CO SOLE 119604
GENERAL ELECTRIC CO SOLE 4098
GENERAL ELECTRIC CO DEFINED 4854
GENERAL ELECTRIC CO OTHER 12380
GENERAL ELECTRIC CO DEF/OTH 4600
GENERAL ELECTRIC CO DEF/OTH 400
GENERAL MOTORS CORP. SOLE 2192
GENERAL MOTORS CORP. SOLE 5538
GENERAL MOTORS CORP. DEFINED 400
GENERAL MOTORS CORP. OTHER 1000
GEMTEX CORP SOLE 32000
GENUINE PARTS CO. SOLE 1125
GENUINE PARTS CO. SOLE 21400
GENUINE PARTS CO. OTHER 1350
GENUINE PARTS CO. DEF/OTH 1012
GEORGIA PACIFIC SOLE 11000
GEORGIA PACIFIC DEFINED 600
GEORGIA PACIFIC OTHER 400
GILLETTE CO SOLE 57234
GILLETTE CO SOLE 1575
GILLETTE CO DEFINED 1500
GILLETTE CO OTHER 4400
JOHN HANCOCK DEFINED 7781
H J HEINZ CO. SOLE 5000
HEWLETT PACKARD CO SOLE 36828
HEWLETT PACKARD CO SOLE 6775
HOME DEPOT INC SOLE 104425
HOME DEPOT INC SOLE 5163
HOME DEPOT INC DEFINED 270
HOME DEPOT INC OTHER 87
HOME DEPOT INC DEF/OTH 120
HOME DEPOT INC DEF/OTH 215
HUNTINGTON BANCSHARES INC SOLE 6500
INTEL CORP SOLE 83823
INTEL CORP SOLE 8382
INTEL CORP DEFINED 2190
INTEL CORP OTHER 605
INTEL CORP DEF/OTH 825
IBM CORP SOLE 9328
IBM CORP SOLE 200
IBM CORP DEFINED 800
IBM CORP OTHER 1600
IBM CORP DEF/OTH 1456
FEDERATED SOLE 21089
FEDERATED SOLE 341
INTIMATE BRANDS SOLE 12300
I 2 TECHNOLOGIES INC. SOLE 10000
JACOR COMMUNICATIONS SOLE 13850
JOHNSON & JOHNSON SOLE 53339
JOHNSON & JOHNSON DEFINED 2000
JOHNSON & JOHNSON OTHER 4000
KENDLE INTERNATIONAL INC SOLE 37800
KENDLE INTERNATIONAL INC SOLE 100
KIMBERLY CLARK SOLE 19579
KIMBERLY CLARK SOLE 17200
KIMBERLY CLARK DEFINED 12544
KIMBERLY CLARK OTHER 1248
KOHLS CORP SOLE 4200
KOHLS CORP SOLE 40
KROGER CO SOLE 3496
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 37324
ELI LILLY & CO SOLE 2268
ELI LILLY & CO DEFINED 500
ELI LILLY & CO OTHER 1362
ELI LILLY & CO DEF/OTH 150
LINCOLN NATL CORP SOLE 2300
LINCOLN NATL CORP DEFINED 600
LINCOLN NATL CORP OTHER 1131
LOOMIS SAYLES SOLE 118684
LOWE'S COS INC SOLE 7400
LUCENT TECHNOLOGIES INC SOLE 46582
LUCENT TECHNOLOGIES INC SOLE 8116
LUCENT TECHNOLOGIES INC DEFINED 475
LUCENT TECHNOLOGIES INC OTHER 1451
LUCENT TECHNOLOGIES INC DEF/OTH 304
MCN ENERGY GROUP INC SOLE 11700
MCI WORLDCOM INC SOLE 66438
MCI WORLDCOM INC SOLE 4004
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 2356
MAY DEPARTMENT STORES SOLE 18450
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 13300
MELLON BANK SOLE 30037
MELLON BANK SOLE 9262
MELLON BANK OTHER 58
MERCANTILE BANCORP INC SOLE 4400
MERCK & CO INC SOLE 98620
MERCK & CO INC SOLE 3928
MERCK & CO INC DEFINED 6500
MERCK & CO INC OTHER 3960
MERCK & CO INC DEF/OTH 360
MERCK & CO INC DEF/OTH 150
MERRILL LYNCH & CO SOLE 23732
MERRILL LYNCH & CO SOLE 2337
MERRILL LYNCH & CO OTHER 40
MERRILL LYNCH & CO DEF/OTH 200
MICROSOFT CORP SOLE 150412
MICROSOFT CORP SOLE 8068
MICROSOFT CORP DEFINED 700
MICROSOFT CORP OTHER 7370
MICROSOFT CORP DEF/OTH 220
MICROSOFT CORP DEF/OTH 360
MINDSPRING ENTERPRISES INC SOLE 4100
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 16525
MOBIL CORP SOLE 7400
MOHAWK IND INC SOLE 8000
MORGAN J.P. & CO INC SOLE 8800
MORGAN J.P. & CO INC SOLE 4148
MORGAN J.P. & CO INC OTHER 600
MORGAN J.P. & CO INC DEF/OTH 500
MOTOROLA INC SOLE 10000
MOTOROLA INC OTHER 1600
NATIONAL CITY CORP SOLE 21798
NATIONAL CITY CORP OTHER 1500
NATL COMMERCE BANCORP SOLE 13000
NATIONAL FUEL & GAS SOLE 5800
NETWORK SOLUTIONS INC-CL-A SOLE 9050
NETWORK SOLUTIONS INC-CL-A SOLE 490
NICOR INC. SOLE 5700
NORFOLK SOUTHN CORP SOLE 400
NORFOLK SOUTHN CORP DEFINED 5130
NORFOLK SOUTHN CORP OTHER 11517
OGE ENERGY CORP SOLE 3800
OGE ENERGY CORP SOLE 12000
OGE ENERGY CORP OTHER 1800
O'REILLY AUTOMOTIVE INC. SOLE 7000
PNC BANK CORP SOLE 1856
PNC BANK CORP SOLE 17000
PNC BANK CORP DEFINED 8800
PNC BANK CORP DEF/OTH 3798
PACKAGED ICE INC SOLE 10000
PAPA JOHN INTERNATIONAL INC SOLE 11700
PENNEY, J.C. INC SOLE 12902
PENNEY, J.C. INC DEFINED 1216
PENNEY, J.C. INC OTHER 200
PEOPLES ENERGY CORP SOLE 2200
PEOPLES ENERGY CORP SOLE 7900
PEPSICO INC SOLE 26400
PEPSICO INC SOLE 600
PEPSICO INC DEFINED 7000
PEPSICO INC DEF/OTH 2025
PHARMACIA & UPJOHN INC SOLE 10900
PFIZER INC SOLE 51422
PFIZER INC SOLE 2260
PFIZER INC DEFINED 7325
PFIZER INC OTHER 4437
PFIZER INC DEF/OTH 90
PFIZER INC DEF/OTH 85
PHILIP MORRIS CO. INC. SOLE 2610
PHILIP MORRIS CO. INC. SOLE 2230
PHILIP MORRIS CO. INC. DEFINED 675
PHILIP MORRIS CO. INC. OTHER 17639
PITNEY-BOWES, INC. SOLE 19633
PITNEY-BOWES, INC. SOLE 5080
PLEXUS CORP SOLE 15000
T ROWE PRICE & ASSOC SOLE 5064
T ROWE PRICE & ASSOC SOLE 13500
PROCTER & GAMBLE CO. SOLE 160151
PROCTER & GAMBLE CO. SOLE 11049
PROCTER & GAMBLE CO. DEFINED 5481
PROCTER & GAMBLE CO. OTHER 50881
PROCTER & GAMBLE CO. DEF/OTH 2100
PROVIDENT FINANCIAL GROUP INC SOLE 360808
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
QUINTILES TRANSNATIONAL CORP SOLE 8000
RJR NABISCO HLDGS CORP SOLE 21900
RIVERFRONT SOLE 1375482
RIVERFRONT SOLE 24101
RIVERFRONT DEFINED 56756
RIVERFRONT OTHER 58460
RIVERFRONT DEF/OTH 62695
RIVERFRONT SOLE 48651
RIVERFRONT SOLE 1969
RIVERFRONT DEFINED 31515
RIVERFRONT OTHER 1970
RIVERFRONT SOLE 31596
RIVERFRONT SOLE 2223
RIVERFRONT DEFINED 9259
RIVERFRONT SOLE 2680353
RIVERFRONT SOLE 41635
RIVERFRONT DEFINED 42402
RIVERFRONT OTHER 195711
RIVERFRONT DEF/OTH 284789
RIVERFRONT SOLE 175756
RIVERFRONT SOLE 13519
ROCKWELL INTL CORP SOLE 10500
ROHM & HAAS CO SOLE 20200
ROYAL DUTCH PETROLEUM CO SOLE 16025
ROYAL DUTCH PETROLEUM CO SOLE 20600
SBC COMMUNICATIONS SOLE 18416
SBC COMMUNICATIONS DEFINED 1784
SBC COMMUNICATIONS OTHER 1570
SEI INVESTMENTS COMPANY SOLE 6800
SANMINA CORPORATION SOLE 11500
SCHERING-PLOUGH CORP SOLE 73099
SCHERING-PLOUGH CORP SOLE 4541
SCHERING-PLOUGH CORP DEFINED 200
SCHERING-PLOUGH CORP OTHER 882
SCHLUMBERGER LTD SOLE 7605
SCHLUMBERGER LTD SOLE 5485
SCHLUMBERGER LTD OTHER 375
SCHLUMBERGER LTD DEF/OTH 200
SCHWAB (CHARLES) CORP SOLE 32728
SCHWAB (CHARLES) CORP SOLE 7354
SCHWAB (CHARLES) CORP DEFINED 1525
SCHWAB (CHARLES) CORP OTHER 53
SCHWAB (CHARLES) CORP DEF/OTH 90
SMITHKLINE BEECHAM SOLE 2400
SMITHKLINE BEECHAM DEFINED 3200
STAPLES INC. SOLE 171993
STAPLES INC. SOLE 8525
STAPLES INC. DEFINED 562
STAPLES INC. OTHER 262
STAPLES INC. DEF/OTH 450
STATE STREET CORP SOLE 11553
STATE STREET CORP SOLE 5675
STERIS CORP SOLE 22000
SUMMIT BANCORP SOLE 21900
TEMPLE INLAND INC. SOLE 12800
TEMPLETON SOLE 10605
TEXACO INC SOLE 7218
TEXACO INC SOLE 8000
TEXACO INC OTHER 8000
TEXACO INC DEF/OTH 2000
TEXAS INSTRUMENTS INC SOLE 4900
THOMAS & BETTS CORP SOLE 11500
TIME WARNER INC SOLE 78360
TIME WARNER INC SOLE 15337
TIME WARNER INC DEF/OTH 100
TRANSAMERICA CORP SOLE 9800
TYCO INTERNATIONAL LTD SOLE 66794
TYCO INTERNATIONAL LTD SOLE 7547
TYCO INTERNATIONAL LTD DEFINED 150
TYCO INTERNATIONAL LTD OTHER 63
TYCO INTERNATIONAL LTD DEF/OTH 200
VANGUARD SOLE 225839
VANGUARD OTHER 8660
VANGUARD DEF/OTH 85062
VANGUARD SOLE 17464
VISX INC SOLE 2400
VITESSE SEMICONDUCTOR CORP SOLE 14200
WACHOVIA CORP SOLE 1500
WACHOVIA CORP OTHER 1000
WAL-MART STORES INC SOLE 86040
WAL-MART STORES INC SOLE 4620
WAL-MART STORES INC DEFINED 250
WAL-MART STORES INC OTHER 1266
WAL-MART STORES INC DEF/OTH 275
WAL-MART STORES INC DEF/OTH 350
WALGREEN CO SOLE 183829
WALGREEN CO SOLE 7558
WALGREEN CO OTHER 176
WALGREEN CO DEF/OTH 440
WARNER LAMBERT CO SOLE 74948
WARNER LAMBERT CO SOLE 2787
WARNER LAMBERT CO DEFINED 130
WARNER LAMBERT CO OTHER 80
WARNER LAMBERT CO DEF/OTH 137
WELLS FARGO COMPANY SOLE 7840
WELLS FARGO COMPANY DEFINED 4000
WELLS FARGO COMPANY OTHER 7000
WELLS FARGO COMPANY DEF/OTH 450
WILLAMETTE IND INC SOLE 21250
WORLDTEX INC DEFINED 285439
XEROX CORP SOLE 1800
XEROX CORP SOLE 8450
YAHOO! INC. SOLE 1250
YAHOO! INC. SOLE 60
BIOMEDICAL DISPOSAL, INC. SOLE 40000
</TABLE>
