[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: 06/30/2000
Check here if Amendment [ ] Amendment Number:
This Amendment [ ] is a restatement
[ ] adds new holding entries
Institutional Investment Manager Filing this Report:
Name: PROVIDENT FINANCIAL ADVISORS
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: C EDWIN RILEY
Title: PRESIDENT, PIA
Phone: 513-579-2257
Signature, Place, and Date of Signing:
C EDWIN RILEY CINCINNATI, OHIO 07/12/2000
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: 410
Form 13F Information Table Value Total: $ 659,975
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
AES CORP. COMMON STOCK 00130H105 1026 22498 SH
AT&T CORP COMMON STOCK 001957109 324 10196 SH
AT&T CORP COMMON STOCK 001957109 137 4311 SH
AT&T CORP COMMON STOCK 001957109 76 2400 SH
ABBOTT LABS COMMON STOCK 002824100 1874 42050 SH
ABBOTT LABS COMMON STOCK 002824100 285 6400 SH
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 815 11053 SH
ALTEON WEBSYSTEMS INC COMMON STOCK 02145A109 325 3250 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 11305 214819 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 81 1532 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 125 2380 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 140 2660 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 2768 53109 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 31 600 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 482 8200 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 635 10800 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 259 4400 SH
AMER INTL GROUP INC COMMON STOCK 026874107 10983 93472 SH
AMER INTL GROUP INC COMMON STOCK 026874107 110 939 SH
AMER INTL GROUP INC COMMON STOCK 026874107 379 3224 SH
AMER INTL GROUP INC COMMON STOCK 026874107 42 360 SH
AMERICAN ITALIAN PASTA CO COMMON STOCK 027070101 426 20000 SH
AMERICAN PWR CONVERSION CORP COMMON STOCK 029066107 857 21000 SH
AMERICAN TOWER CORP-CL A COMMON STOCK 029912201 443 10630 SH
AMGEN INC COMMON STOCK 031162100 8496 120940 SH
AMGEN INC COMMON STOCK 031162100 274 3898 SH
AMGEN INC COMMON STOCK 031162100 96 1370 SH
ARIBA INC COMMON STOCK 04033V104 11854 120877 SH
ARIBA INC COMMON STOCK 04033V104 41 419 SH
ARIBA INC COMMON STOCK 04033V104 84 860 SH
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 1104 20620 SH
BP AMOCO PLC-SPONS ADR FOREIGN STOCK 055622104 1767 31203 SH
BP AMOCO PLC-SPONS ADR FOREIGN STOCK 055622104 19 328 SH
BP AMOCO PLC-SPONS ADR FOREIGN STOCK 055622104 569 10054 SH
BP AMOCO PLC-SPONS ADR FOREIGN STOCK 055622104 45 794 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 2241 51674 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 64 1465 SH
BANK NEW YORK INC COMMON STOCK 064057102 429 9230 SH
BANK ONE CORP COMMON STOCK 06423A103 1332 50152 SH
BANK ONE CORP COMMON STOCK 06423A103 8 300 SH
BANK ONE CORP COMMON STOCK 06423A103 3 101 SH
BEA SYSTEMS INC COMMON STOCK 073325102 989 20000 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 125 2448 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 90 1758 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 10 200 SH
BELLSOUTH CORP COMMON STOCK 079860102 1363 31971 SH
BELLSOUTH CORP COMMON STOCK 079860102 65 1514 SH
BELLSOUTH CORP COMMON STOCK 079860102 460 10800 SH
BEST FOODS COMMON STOCK 08658U101 28 400 SH
BEST FOODS COMMON STOCK 08658U101 332 4800 SH
BEST FOODS COMMON STOCK 08658U101 166 2400 SH
BEST FOODS COMMON STOCK 08658U101 225 3250 SH
BIOGEN INC COMMON STOCK 090597105 3466 53740 SH
BIOGEN INC COMMON STOCK 090597105 70 1090 SH
BIOGEN INC COMMON STOCK 090597105 55 857 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 5305 91065 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 179 3076 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 702 12050 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 23 400 SH
BROADCOM CORP - CL A COMMON STOCK 111320107 3316 15144 SH
BROADWING INC COMMON STOCK 111620100 2461 94426 SH
BROADWING INC COMMON STOCK 111620100 26 1000 SH
BROADWING INC COMMON STOCK 111620100 1133 43488 SH
BROADWING INC COMMON STOCK 111620100 8 300 SH
CMGI INC COMMON STOCK 125750109 315 6880 SH
CALPINE CORP COMMON STOCK 131347106 4050 62300 SH
CALPINE CORP COMMON STOCK 131347106 202 3100 SH
CARDINAL HEALTH COMMON STOCK 14149Y108 1809 24440 SH
CENTURYTEL INC COMMON STOCK 156700106 367 12760 SH
CHASE MANHATTAN CORP COMMON STOCK 16161A108 1469 31895 SH
CHEVRON CORP COMMON STOCK 166751107 1172 13796 SH
CHEVRON CORP COMMON STOCK 166751107 90 1064 SH
CHEVRON CORP COMMON STOCK 166751107 137 1610 SH
CHEVRON CORP COMMON STOCK 166751107 51 600 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 30758 483899 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 511 8038 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 447 7034 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 547 8600 SH
CITIGROUP INC COMMON STOCK 172967101 9308 154004 SH
CITIGROUP INC COMMON STOCK 172967101 119 1963 SH
CITIGROUP INC COMMON STOCK 172967101 6 96 SH
CITIGROUP INC COMMON STOCK 172967101 18 300 SH
CLEAR CHANNEL COMMUNICATION COMMON STOCK 184502102 1385 18465 SH
CLOROX CO COMMON STOCK 189054109 1917 42777 SH
CLOROX CO COMMON STOCK 189054109 45 1011 SH
COCA COLA CO COMMON STOCK 191216100 5978 104071 SH
COCA COLA CO COMMON STOCK 191216100 508 8850 SH
COCA COLA CO COMMON STOCK 191216100 1470 25585 SH
COCA COLA CO COMMON STOCK 191216100 201 3500 SH
COMVERSE TECHNOLOGY INC COMMON STOCK 205862402 2022 21740 SH
CONVERGYS CORP COMMON STOCK 212485106 852 16417 SH
CONVERGYS CORP COMMON STOCK 212485106 26 500 SH
CONVERGYS CORP COMMON STOCK 212485106 1317 25388 SH
CONVERGYS CORP COMMON STOCK 212485106 16 300 SH
CORNING INC COMMON STOCK 219350105 2326 8619 SH
COX RADIO INC-CL A COMMON STOCK 224051102 924 33000 SH
CYCLOPSS CORP COM COMMON STOCK 232537209 13 30000 SH
DELL COMPUTER CORP COMMON STOCK 247025109 8773 177905 SH
DELL COMPUTER CORP COMMON STOCK 247025109 64 1299 SH
DELL COMPUTER CORP COMMON STOCK 247025109 132 2680 SH
DELL COMPUTER CORP COMMON STOCK 247025109 28 575 SH
DEVRY INC COMMON STOCK 251893103 254 9600 SH
DIGEX INC COMMON STOCK 253756100 1562 22986 SH
DISNEY WALT CO COMMON STOCK 254687106 2282 58806 SH
DISNEY WALT CO COMMON STOCK 254687106 137 3525 SH
DOW CHEM CO COMMON STOCK 260543103 60 1950 SH
DOW CHEM CO COMMON STOCK 260543103 138 4500 SH
DOW CHEM CO COMMON STOCK 260543103 41 1350 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 1430 32525 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 290 6600 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 114 2600 SH
DYNEGY INC COMMON STOCK 26816Q101 1611 23583 SH
DYNEGY INC COMMON STOCK 26816Q101 41 600 SH
EMC CORPORATION COMMON STOCK 268648102 22220 288569 SH
EMC CORPORATION COMMON STOCK 268648102 247 3212 SH
EMC CORPORATION COMMON STOCK 268648102 320 4152 SH
EMC CORPORATION COMMON STOCK 268648102 46 600 SH
EATON VANCE CORP COMMON STOCK 278265103 463 10000 SH
EBAY INC COMMON STOCK 278642103 1456 26812 SH
EBAY INC COMMON STOCK 278642103 7 120 SH
ENCOMPASS SVCS CORP COMMON STOCK 29255U104 258 44905 SH
ENRON CORP COMMON STOCK 293561106 2192 33984 SH
ENRON CORP COMMON STOCK 293561106 115 1776 SH
EXODUS COMMUNICATIONS INC COMMON STOCK 302088109 12809 278078 SH
EXODUS COMMUNICATIONS INC COMMON STOCK 302088109 55 1196 SH
EXODUS COMMUNICATIONS INC COMMON STOCK 302088109 81 1762 SH
EXPEDITORS INTL WASH INC COMMON STOCK 302130109 285 6000 SH
EXXON MOBIL CORPORATION COMMON STOCK 30231G102 5757 73343 SH
EXXON MOBIL CORPORATION COMMON STOCK 30231G102 944 12026 SH
EXXON MOBIL CORPORATION COMMON STOCK 30231G102 877 11174 SH
EXXON MOBIL CORPORATION COMMON STOCK 30231G102 119 1512 SH
FANNIE MAE COMMON STOCK 313586109 2482 47441 SH
FANNIE MAE COMMON STOCK 313586109 56 1067 SH
FANNIE MAE COMMON STOCK 313586109 24 450 SH
FEDERATED MUTUAL FUNDS EQ 313900102 650 19013 SH
FEDERATED MUTUAL FUNDS FI 314184102 1505 138805 SH
FEDERATED MUTUAL FUNDS FI 314184102 229 21159 SH
FEDERATED MUTUAL FUNDS FI 314184102 342 31567 SH
FEDERATED MUTUAL FUNDS FI 314184102 65 5968 SH
FEDERATED MUTUAL FUNDS FI 314284100 408 40796 SH
FEDERATED MUTUAL FUNDS FI 31428P103 251 24143 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 1126 17807 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 1002 15846 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 2319 36662 SH
FIRST UNION CORP COMMON STOCK 337358105 1554 62648 SH
FIRST UNION CORP COMMON STOCK 337358105 57 2300 SH
FIRSTAR CORP COMMON STOCK 33763V109 1695 80485 SH
FIRSTAR CORP COMMON STOCK 33763V109 1682 79840 SH
FIRSTAR CORP COMMON STOCK 33763V109 42 2000 SH
FLEETBOSTON FINL CORP COMMON STOCK 339030108 1035 30431 SH
FORD MOTOR CO COMMON STOCK 345370100 1636 38057 SH
FORD MOTOR CO COMMON STOCK 345370100 10 224 SH
FORD MOTOR CO COMMON STOCK 345370100 155 3600 SH
FREEMARKETS INC COMMON STOCK 356602102 360 7598 SH
GTE CORP COMMON STOCK 362320103 387 6209 SH
GTE CORP COMMON STOCK 362320103 31 500 SH
GANNETT INC COMMON STOCK 364730101 1038 17348 SH
GANNETT INC COMMON STOCK 364730101 67 1114 SH
GANNETT INC COMMON STOCK 364730101 191 3200 SH
GANNETT INC COMMON STOCK 364730101 48 800 SH
GAP INC COMMON STOCK 364760108 1783 57041 SH
GAP INC COMMON STOCK 364760108 33 1046 SH
GAP INC COMMON STOCK 364760108 4 139 SH
GAP INC COMMON STOCK 364760108 12 393 SH
GATEWAY MUTUAL FUNDS FI 367829207 470 18698 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 25949 495439 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 855 16320 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 1834 35021 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 706 13488 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 451 7780 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 32 550 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 58 1000 SH
GEMTEX CORP COMMON STOCK 371901109 503 20000 SH
GEMTEX CORP COMMON STOCK 371901109 21 849 SH
GENUITY INC COMMON STOCK 37248E103 412 45000 SH
GILLETTE CO COMMON STOCK 375766102 1025 29350 SH
GILLETTE CO COMMON STOCK 375766102 42 1200 SH
GILLETTE CO COMMON STOCK 375766102 112 3200 SH
GLENAYRE TECHNOLOGIES INC COMMON STOCK 377899109 239 22650 SH
GLOBIX CORP COMMON STOCK 37957F101 865 29525 SH
GOLDMAN SACHS COMMON STOCK 38141G104 427 4500 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 3620 28988 SH
HOME DEPOT INC COMMON STOCK 437076102 11496 230214 SH
HOME DEPOT INC COMMON STOCK 437076102 187 3750 SH
HOME DEPOT INC COMMON STOCK 437076102 297 5955 SH
HOME DEPOT INC COMMON STOCK 437076102 9 180 SH
HONEYWELL INTL INC COMMON STOCK 438516106 856 25400 SH
HONEYWELL INTL INC COMMON STOCK 438516106 20 607 SH
ITXC CORP COMMON STOCK 45069F109 850 24000 SH
INFOSPACE, INC. COMMON STOCK 45678T102 529 9572 SH
INTEL CORP COMMON STOCK 458140100 22544 168634 SH
INTEL CORP COMMON STOCK 458140100 686 5130 SH
INTEL CORP COMMON STOCK 458140100 162 1210 SH
INTEL CORP COMMON STOCK 458140100 221 1650 SH
IBM CORP COMMON STOCK 459200101 1884 17197 SH
IBM CORP COMMON STOCK 459200101 197 1800 SH
IBM CORP COMMON STOCK 459200101 157 1435 SH
IBM CORP COMMON STOCK 459200101 174 1588 SH
FEDERATED MUTUAL FUNDS EQ 46031P308 3018 108421 SH
FEDERATED MUTUAL FUNDS EQ 46031P308 59 2130 SH
INTERNET CAPITAL GROUP INC COMMON STOCK 46059C106 1617 43686 SH
INTERNET CAPITAL GROUP INC COMMON STOCK 46059C106 5 130 SH
I 2 TECHNOLOGIES INC. COMMON STOCK 465754109 5052 48453 SH
JDS UNIPHASE CORP COMMON STOCK 46612J101 6328 52785 SH
JDS UNIPHASE CORP COMMON STOCK 46612J101 30 250 SH
JDS UNIPHASE CORP COMMON STOCK 46612J101 99 825 SH
JEFFERSON PILOT CORP COMMON STOCK 475070108 534 9455 SH
JEFFERSON PILOT CORP COMMON STOCK 475070108 11 200 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 7938 77917 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 115 1124 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 331 3245 SH
JUNIPER NETWORKS INC COMMON STOCK 48203R104 349 2400 SH
KIMBERLY CLARK COMMON STOCK 494368103 1099 19147 SH
KIMBERLY CLARK COMMON STOCK 494368103 459 8000 SH
KIMBERLY CLARK COMMON STOCK 494368103 72 1248 SH
KOHLS CORP COMMON STOCK 500255104 540 9706 SH
LCA-VISION INC COMMON STOCK 501803209 25 10200 SH
LG&E ENERGY CORP COMMON STOCK 501917108 249 10410 SH
LG&E ENERGY CORP COMMON STOCK 501917108 21 900 SH
LG&E ENERGY CORP COMMON STOCK 501917108 115 4800 SH
LEGG MASON INC COMMON STOCK 524901105 500 10000 SH
ELI LILLY & CO COMMON STOCK 532457108 2386 23885 SH
ELI LILLY & CO COMMON STOCK 532457108 23 235 SH
ELI LILLY & CO COMMON STOCK 532457108 40 400 SH
ELI LILLY & CO COMMON STOCK 532457108 15 150 SH
LINCOLN NATL CORP COMMON STOCK 534187109 159 4400 SH
LINCOLN NATL CORP COMMON STOCK 534187109 65 1800 SH
LINCOLN NATL CORP COMMON STOCK 534187109 26 712 SH
LINCOLN NATL CORP COMMON STOCK 534187109 29 800 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 258 4386 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 71 1200 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 161 2740 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 12 200 SH
MRV COMMUNICATIONS INC COMMON STOCK 553477100 1345 20000 SH
MARCHFIRST INC COMMON STOCK 566244109 219 12000 SH
MARSH & MCLENNAN COS. INC. COMMON STOCK 571748102 1755 16800 SH
MARSH & MCLENNAN COS. INC. COMMON STOCK 571748102 43 412 SH
MARSH & MCLENNAN COS. INC. COMMON STOCK 571748102 125 1200 SH
MEDIMMUNE COMMON STOCK 584699102 4541 61371 SH
MEDIMMUNE COMMON STOCK 584699102 43 585 SH
MEDIMMUNE COMMON STOCK 584699102 3 45 SH
MEDIMMUNE COMMON STOCK 584699102 21 285 SH
MELLON FINANCIAL COMMON STOCK 58551A108 432 11866 SH
MELLON FINANCIAL COMMON STOCK 58551A108 26 700 SH
MERCK & CO INC COMMON STOCK 589331107 4159 54281 SH
MERCK & CO INC COMMON STOCK 589331107 31 400 SH
MERCK & CO INC COMMON STOCK 589331107 184 2400 SH
MERCK & CO INC COMMON STOCK 589331107 39 510 SH
MERRILL LYNCH & CO COMMON STOCK 590188108 1627 14150 SH
MERRILL LYNCH & CO COMMON STOCK 590188108 35 300 SH
MICROSOFT CORP COMMON STOCK 594918104 19511 243889 SH
MICROSOFT CORP COMMON STOCK 594918104 289 3610 SH
MICROSOFT CORP COMMON STOCK 594918104 710 8870 SH
MICROSOFT CORP COMMON STOCK 594918104 18 220 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 872 10550 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 413 5000 SH
MONTANA PWR CO COMMON STOCK 612085100 670 18865 SH
MONTANA PWR CO COMMON STOCK 612085100 28 800 SH
MORGAN J.P. & CO INC COMMON STOCK 616880100 787 7150 SH
MORGAN J.P. & CO INC COMMON STOCK 616880100 28 250 SH
MORGAN J.P. & CO INC COMMON STOCK 616880100 88 800 SH
MORGAN J.P. & CO INC COMMON STOCK 616880100 55 500 SH
MORGAN STANLEY DEAN WITTER & CO COMMON STOCK 617446448 916 11000 SH
MORGAN STANLEY DEAN WITTER & CO COMMON STOCK 617446448 67 800 SH
MOTOROLA INC COMMON STOCK 620076109 1427 47579 SH
MOTOROLA INC COMMON STOCK 620076109 50 1650 SH
MOTOROLA INC COMMON STOCK 620076109 144 4800 SH
MOTOROLA INC COMMON STOCK 620076109 18 600 SH
NRG ENERGY INC COMMON STOCK 629377102 339 18600 SH
NATL COMMERCE BANCORP COMMON STOCK 635449101 286 17800 SH
NETSILICON INC COMMON STOCK 64115X105 3188 97350 SH
NETSILICON INC COMMON STOCK 64115X105 16 500 SH
NEXTEL COMMUNICATIONS COMMON STOCK 65332V103 734 12000 SH
NEXTEL COMMUNICATIONS COMMON STOCK 65332V103 29 468 SH
NOKIA CORP ADR COMMON STOCK 654902204 7193 143677 SH
NOKIA CORP ADR COMMON STOCK 654902204 92 1838 SH
NOKIA CORP ADR COMMON STOCK 654902204 165 3304 SH
NORFOLK SOUTHN CORP COMMON STOCK 655844108 76 5130 SH
NORFOLK SOUTHN CORP COMMON STOCK 655844108 171 11517 SH
NORTEL NETWORKS CORP FOREIGN STOCK 656568102 9785 143373 SH
NORTEL NETWORKS CORP FOREIGN STOCK 656568102 239 3498 SH
NORTEL NETWORKS CORP FOREIGN STOCK 656568102 158 2320 SH
NOVELLUS SYSTEMS COMMON STOCK 670008101 679 12000 SH
NUVEEN MUNI VALUE FUND MUTUAL FUNDS FI 670928100 94 11095 SH
ORACLE CORP COMMON STOCK 68389X105 9460 112537 SH
ORACLE CORP COMMON STOCK 68389X105 91 1088 SH
ORACLE CORP COMMON STOCK 68389X105 77 915 SH
PE CORP-PE COMMON STOCK 69332S102 231 3500 SH
PNC FINANCIAL SERVICES GROUP COMMON STOCK 693475105 134 2856 SH
PNC FINANCIAL SERVICES GROUP COMMON STOCK 693475105 413 8800 SH
PNC FINANCIAL SERVICES GROUP COMMON STOCK 693475105 27 575 SH
PEPSICO INC COMMON STOCK 713448108 1249 28110 SH
PEPSICO INC COMMON STOCK 713448108 311 7000 SH
PFIZER INC COMMON STOCK 717081103 14007 291809 SH
PFIZER INC COMMON STOCK 717081103 601 12523 SH
PFIZER INC COMMON STOCK 717081103 550 11463 SH
PFIZER INC COMMON STOCK 717081103 13 270 SH
PHARMACIA CORP COMMON STOCK 71713U102 155 3001 SH
PHARMACIA CORP COMMON STOCK 71713U102 52 1000 SH
PHILIP MORRIS CO. INC. COMMON STOCK 718154107 8 300 SH
PHILIP MORRIS CO. INC. COMMON STOCK 718154107 8 300 SH
PHILIP MORRIS CO. INC. COMMON STOCK 718154107 128 4800 SH
PHILIP MORRIS CO. INC. COMMON STOCK 718154107 301 11339 SH
PLEXUS CORP COMMON STOCK 729132100 1695 15000 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 3974 69407 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 212 3706 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 1824 31866 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 103 1800 SH
PROVIDENT FINANCIAL GROUP INC COMMON STOCK 743866105 11314 475136 SH
PROVIDENT FINANCIAL GROUP INC COMMON STOCK 743866105 15 650 SH
PROVIDIAN FINANCIAL CORP COMMON STOCK 74406A102 270 3000 SH
QUALCOMM INC COMMON STOCK 747525103 573 9546 SH
QUALCOMM INC COMMON STOCK 747525103 5 81 SH
QUALCOMM INC COMMON STOCK 747525103 15 250 SH
REALNETWORKS INC COMMON STOCK 75605L104 728 14400 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 12437 1362178 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 503 55055 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 442 48413 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 605 66239 SH
RIVERFRONT MUTUAL FUNDS EQ 768709404 682 59784 SH
RIVERFRONT MUTUAL FUNDS EQ 768709404 22 1973 SH
RIVERFRONT MUTUAL FUNDS BA 768709602 473 33898 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 54019 3092076 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 747 42752 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 3777 216175 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 2542 145484 SH
RIVERFRONT MUTUAL FUNDS EQ 768709867 3500 260977 SH
RIVERFRONT MUTUAL FUNDS EQ 768709867 104 7720 SH
T. ROWE PRICE MUTUAL FUNDS EQ 779572106 481 18942 SH
ROYAL DUTCH PETROLEUM CO FOREIGN STOCK 780257804 862 13997 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 3404 78715 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 167 3863 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 837 19348 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 137 3158 SH
SEI INVESTMENTS COMPANY COMMON STOCK 784117103 633 15900 SH
SANMINA CORPORATION COMMON STOCK 800907107 2565 30000 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 4295 85044 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 89 1759 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 45 882 SH
SCHLUMBERGER LTD FOREIGN STOCK 806857108 1477 19797 SH
SCHLUMBERGER LTD FOREIGN STOCK 806857108 15 200 SH
SCHWAB (CHARLES) CORP COMMON STOCK 808513105 3730 110929 SH
SCHWAB (CHARLES) CORP COMMON STOCK 808513105 98 2925 SH
SEPRACOR INC COMMON STOCK 817315104 641 5318 SH
SEPRACOR INC COMMON STOCK 817315104 27 222 SH
SMITHKLINE BEECHAM FOREIGN STOCK 832378301 209 3200 SH
SOLECTRON CORP COMMON STOCK 834182107 875 20900 SH
SONOCO PRODS CO COMMON STOCK 835495102 266 12915 SH
SONY CORP FOREIGN STOCK 835699307 831 8810 SH
SONY CORP FOREIGN STOCK 835699307 75 800 SH
SPRINT CORP COMMON STOCK 852061100 581 11400 SH
SPRINT CORP COMMON STOCK 852061506 675 11340 SH
SPRINT CORP COMMON STOCK 852061506 47 786 SH
STAPLES INC. COMMON STOCK 855030102 2234 145311 SH
STAPLES INC. COMMON STOCK 855030102 40 2606 SH
STAPLES INC. COMMON STOCK 855030102 16 1012 SH
STATE STREET CORP COMMON STOCK 857477103 714 6728 SH
SUN MICROSYSTEMS INC COMMON STOCK 866810104 5299 58273 SH
SUN MICROSYSTEMS INC COMMON STOCK 866810104 95 1049 SH
TEXACO INC COMMON STOCK 881694103 815 15285 SH
TEXACO INC COMMON STOCK 881694103 80 1500 SH
TEXACO INC COMMON STOCK 881694103 427 8000 SH
TEXACO INC COMMON STOCK 881694103 128 2400 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 9458 137699 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 109 1582 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 113 1650 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 55 800 SH
TIME WARNER INC COMMON STOCK 887315109 10330 135923 SH
TIME WARNER INC COMMON STOCK 887315109 18 232 SH
TIME WARNER INC COMMON STOCK 887315109 74 975 SH
TUT SYSTEMS INC COMMON STOCK 901103101 729 12700 SH
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 10132 213858 SH
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 117 2478 SH
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 185 3901 SH
UNITED PARCEL SERVICE-CL B COMMON STOCK 911312106 555 9405 SH
UNITED PARCEL SERVICE-CL B COMMON STOCK 911312106 24 400 SH
VANGUARD MUTUAL FUNDS FI 921929204 4848 429749 SH
VANGUARD MUTUAL FUNDS FI 921929204 219 19417 SH
VANGUARD MUTUAL FUNDS FI 921929204 545 48343 SH
VERITAS SOFTWARE CORP COMMON STOCK 923436109 405 3585 SH
VERISIGN INC COMMON STOCK 92343E102 6248 35401 SH
VITESSE SEMICONDUCTOR CORP COMMON STOCK 928497106 1560 21200 SH
VITRIA TECHNOLOGY INC COMMON STOCK 92849Q104 465 7600 SH
VODAFONE AIRTOUCH PLC FOREIGN STOCK 92857T107 1571 37620 SH
VODAFONE AIRTOUCH PLC FOREIGN STOCK 92857T107 42 1000 SH
VODAFONE AIRTOUCH PLC FOREIGN STOCK 92857T107 90 2160 SH
WAL-MART STORES INC COMMON STOCK 931142103 13991 245186 SH
WAL-MART STORES INC COMMON STOCK 931142103 193 3391 SH
WAL-MART STORES INC COMMON STOCK 931142103 356 6232 SH
WAL-MART STORES INC COMMON STOCK 931142103 31 550 SH
WALGREEN CO COMMON STOCK 931422109 4527 140911 SH
WALGREEN CO COMMON STOCK 931422109 146 4547 SH
WALGREEN CO COMMON STOCK 931422109 6 176 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 866 22060 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 157 4000 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 157 4000 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 135 3450 SH
WILLIAMS COMMUNICATIONS GRP COMMON STOCK 969455104 465 14000 SH
WORLDCOM INC COMMON STOCK 98157D106 12151 264871 SH
WORLDCOM INC COMMON STOCK 98157D106 108 2344 SH
WORLDCOM INC COMMON STOCK 98157D106 96 2100 SH
WORLDCOM INC COMMON STOCK 98157D106 7 142 SH
YAHOO! INC. COMMON STOCK 984332106 1454 11738 SH
YAHOO! INC. COMMON STOCK 984332106 25 200 SH
LERNOUT & HAUSPIE SPEECH PRO FOREIGN STOCK B5628B104 590 13400 SH
GLOBAL CROSSING LTD. COMMON STOCK G3921A100 398 15133 SH
GLOBAL CROSSING LTD. COMMON STOCK G3921A100 26 1000 SH
GLOBALSTAR TELECOMMUNICATION COMMON STOCK G3930H104 271 30100 SH
GLOBALSTAR TELECOMMUNICATION COMMON STOCK G3930H104 22 2400 SH
BIOMEDICAL DISPOSAL, INC. COMMON STOCK MISCE2XM8 120 40000 SH
NAME OF ISSUER INVSTMT OTHER VOTING AUTHORITY
SECURITY NAME DISCRTN MANAGERS SOLE SHARED NONE
AES CORP. SOLE 22402
AES CORP. SOLE 96
AT&T CORP SOLE 10196
AT&T CORP DEFINED 4311
AT&T CORP OTHER 2400
ABBOTT LABS SOLE 42050
ABBOTT LABS OTHER 6400
AGILENT TECHNOLOGIES INC SOLE 11053
ALTEON WEBSYSTEMS INC SOLE 3250
AMERICA ONLINE INC SOLE 200657
AMERICA ONLINE INC SOLE 14162
AMERICA ONLINE INC DEFINED 560
AMERICA ONLINE INC DEFINED 972
AMERICA ONLINE INC OTHER 2380
AMERICA ONLINE INC DEF/OTH 2660
AMERICAN EXPRESS CO SOLE 53109
AMERICAN EXPRESS CO DEFINED 600
AMERICAN HOME PRODUCTS CORP SOLE 8200
AMERICAN HOME PRODUCTS CORP OTHER 10800
AMERICAN HOME PRODUCTS CORP DEF/OTH 4400
AMER INTL GROUP INC SOLE 91774
AMER INTL GROUP INC SOLE 1698
AMER INTL GROUP INC DEFINED 463
AMER INTL GROUP INC DEFINED 476
AMER INTL GROUP INC OTHER 3224
AMER INTL GROUP INC DEF/OTH 360
AMERICAN ITALIAN PASTA CO SOLE 20000
AMERICAN PWR CONVERSION CORP SOLE 21000
AMERICAN TOWER CORP-CL A SOLE 10630
AMGEN INC SOLE 117167
AMGEN INC SOLE 3773
AMGEN INC DEFINED 3086
AMGEN INC DEFINED 812
AMGEN INC OTHER 1370
ARIBA INC SOLE 114140
ARIBA INC SOLE 6737
ARIBA INC DEFINED 168
ARIBA INC DEFINED 251
ARIBA INC OTHER 860
AUTOMATIC DATA PROCESSING SOLE 20620
BP AMOCO PLC-SPONS ADR SOLE 31203
BP AMOCO PLC-SPONS ADR DEFINED 328
BP AMOCO PLC-SPONS ADR OTHER 10054
BP AMOCO PLC-SPONS ADR DEF/OTH 794
BANK OF AMERICA CORP SOLE 51530
BANK OF AMERICA CORP SOLE 144
BANK OF AMERICA CORP DEFINED 1465
BANK NEW YORK INC SOLE 9230
BANK ONE CORP SOLE 50152
BANK ONE CORP DEFINED 300
BANK ONE CORP OTHER 101
BEA SYSTEMS INC SOLE 20000
BELL ATLANTIC CORP SOLE 2448
BELL ATLANTIC CORP DEFINED 1758
BELL ATLANTIC CORP DEF/OTH 200
BELLSOUTH CORP SOLE 31971
BELLSOUTH CORP DEFINED 1200
BELLSOUTH CORP DEFINED 314
BELLSOUTH CORP OTHER 10800
BEST FOODS SOLE 400
BEST FOODS DEFINED 4800
BEST FOODS OTHER 2400
BEST FOODS DEF/OTH 3250
BIOGEN INC SOLE 51202
BIOGEN INC SOLE 2538
BIOGEN INC DEFINED 592
BIOGEN INC DEFINED 498
BIOGEN INC OTHER 857
BRISTOL MYERS SQUIBB CO SOLE 90945
BRISTOL MYERS SQUIBB CO SOLE 120
BRISTOL MYERS SQUIBB CO DEFINED 2400
BRISTOL MYERS SQUIBB CO DEFINED 400
BRISTOL MYERS SQUIBB CO DEFINED 276
BRISTOL MYERS SQUIBB CO OTHER 12050
BRISTOL MYERS SQUIBB CO DEF/OTH 400
BROADCOM CORP - CL A SOLE 14160
BROADCOM CORP - CL A SOLE 984
BROADWING INC SOLE 94426
BROADWING INC DEFINED 1000
BROADWING INC OTHER 43488
BROADWING INC DEF/OTH 300
CMGI INC SOLE 6755
CMGI INC SOLE 125
CALPINE CORP SOLE 60340
CALPINE CORP SOLE 1960
CALPINE CORP DEFINED 2000
CALPINE CORP DEFINED 1100
CARDINAL HEALTH SOLE 24340
CARDINAL HEALTH SOLE 100
CENTURYTEL INC SOLE 12760
CHASE MANHATTAN CORP SOLE 31895
CHEVRON CORP SOLE 13796
CHEVRON CORP DEFINED 1064
CHEVRON CORP OTHER 1610
CHEVRON CORP DEF/OTH 600
CISCO SYSTEMS INC SOLE 459822
CISCO SYSTEMS INC SOLE 24077
CISCO SYSTEMS INC DEFINED 4826
CISCO SYSTEMS INC DEFINED 1400
CISCO SYSTEMS INC DEFINED 1812
CISCO SYSTEMS INC OTHER 7034
CISCO SYSTEMS INC DEF/OTH 8600
CITIGROUP INC SOLE 150112
CITIGROUP INC SOLE 3892
CITIGROUP INC DEFINED 1500
CITIGROUP INC DEFINED 463
CITIGROUP INC OTHER 96
CITIGROUP INC DEF/OTH 300
CLEAR CHANNEL COMMUNICATION SOLE 18365
CLEAR CHANNEL COMMUNICATION SOLE 100
CLOROX CO SOLE 41527
CLOROX CO SOLE 1250
CLOROX CO DEFINED 1011
COCA COLA CO SOLE 103825
COCA COLA CO SOLE 246
COCA COLA CO DEFINED 8350
COCA COLA CO DEFINED 500
COCA COLA CO OTHER 25585
COCA COLA CO DEF/OTH 3500
COMVERSE TECHNOLOGY INC SOLE 21740
CONVERGYS CORP SOLE 16417
CONVERGYS CORP DEFINED 500
CONVERGYS CORP OTHER 25388
CONVERGYS CORP DEF/OTH 300
CORNING INC SOLE 8594
CORNING INC SOLE 25
COX RADIO INC-CL A SOLE 33000
CYCLOPSS CORP COM SOLE 30000
DELL COMPUTER CORP SOLE 170629
DELL COMPUTER CORP SOLE 7276
DELL COMPUTER CORP DEFINED 400
DELL COMPUTER CORP DEFINED 899
DELL COMPUTER CORP OTHER 2680
DELL COMPUTER CORP DEF/OTH 575
DEVRY INC SOLE 9600
DIGEX INC SOLE 21514
DIGEX INC SOLE 1472
DISNEY WALT CO SOLE 58806
DISNEY WALT CO DEFINED 2700
DISNEY WALT CO DEFINED 825
DOW CHEM CO SOLE 1950
DOW CHEM CO DEFINED 4500
DOW CHEM CO OTHER 1350
DU PONT E I DE NEMOURS & CO SOLE 32525
DU PONT E I DE NEMOURS & CO OTHER 6600
DU PONT E I DE NEMOURS & CO DEF/OTH 2600
DYNEGY INC SOLE 23543
DYNEGY INC SOLE 40
DYNEGY INC DEFINED 600
EMC CORPORATION SOLE 279661
EMC CORPORATION SOLE 8908
EMC CORPORATION DEFINED 1400
EMC CORPORATION DEFINED 1812
EMC CORPORATION OTHER 4152
EMC CORPORATION DEF/OTH 600
EATON VANCE CORP SOLE 10000
EBAY INC SOLE 26602
EBAY INC SOLE 210
EBAY INC DEFINED 120
ENCOMPASS SVCS CORP SOLE 44905
ENRON CORP SOLE 33984
ENRON CORP DEFINED 1776
EXODUS COMMUNICATIONS INC SOLE 250768
EXODUS COMMUNICATIONS INC SOLE 27310
EXODUS COMMUNICATIONS INC DEFINED 790
EXODUS COMMUNICATIONS INC DEFINED 406
EXODUS COMMUNICATIONS INC OTHER 1762
EXPEDITORS INTL WASH INC SOLE 6000
EXXON MOBIL CORPORATION SOLE 73198
EXXON MOBIL CORPORATION SOLE 145
EXXON MOBIL CORPORATION DEFINED 10750
EXXON MOBIL CORPORATION DEFINED 1276
EXXON MOBIL CORPORATION OTHER 11174
EXXON MOBIL CORPORATION DEF/OTH 1512
FANNIE MAE SOLE 47171
FANNIE MAE SOLE 270
FANNIE MAE DEFINED 400
FANNIE MAE DEFINED 667
FANNIE MAE DEF/OTH 450
FEDERATED SOLE 19013
FEDERATED SOLE 132599
FEDERATED SOLE 6206
FEDERATED DEFINED 21159
FEDERATED OTHER 31567
FEDERATED DEF/OTH 5968
FEDERATED SOLE 40780
FEDERATED SOLE 16
FEDERATED SOLE 24143
FIFTH THIRD BANCORP SOLE 17807
FIFTH THIRD BANCORP DEFINED 15565
FIFTH THIRD BANCORP DEFINED 281
FIFTH THIRD BANCORP OTHER 36662
FIRST UNION CORP SOLE 62348
FIRST UNION CORP SOLE 300
FIRST UNION CORP DEFINED 2300
FIRSTAR CORP SOLE 80185
FIRSTAR CORP SOLE 300
FIRSTAR CORP DEFINED 79840
FIRSTAR CORP OTHER 2000
FLEETBOSTON FINL CORP SOLE 30431
FORD MOTOR CO SOLE 38057
FORD MOTOR CO DEFINED 224
FORD MOTOR CO OTHER 3600
FREEMARKETS INC SOLE 6643
FREEMARKETS INC SOLE 955
GTE CORP SOLE 6209
GTE CORP DEFINED 500
GANNETT INC SOLE 17348
GANNETT INC DEFINED 800
GANNETT INC DEFINED 314
GANNETT INC OTHER 3200
GANNETT INC DEF/OTH 800
GAP INC SOLE 53133
GAP INC SOLE 3908
GAP INC DEFINED 1046
GAP INC OTHER 139
GAP INC DEF/OTH 393
GATEWAY SOLE 18698
GENERAL ELECTRIC CO SOLE 480925
GENERAL ELECTRIC CO SOLE 14514
GENERAL ELECTRIC CO DEFINED 13971
GENERAL ELECTRIC CO DEFINED 1200
GENERAL ELECTRIC CO DEFINED 1149
GENERAL ELECTRIC CO OTHER 35021
GENERAL ELECTRIC CO DEF/OTH 13488
GENERAL MOTORS CORP. SOLE 7780
GENERAL MOTORS CORP. DEFINED 550
GENERAL MOTORS CORP. OTHER 1000
GEMTEX CORP SOLE 20000
GEMTEX CORP DEFINED 849
GENUITY INC SOLE 45000
GILLETTE CO SOLE 29350
GILLETTE CO DEFINED 1200
GILLETTE CO OTHER 3200
GLENAYRE TECHNOLOGIES INC SOLE 22650
GLOBIX CORP SOLE 29525
GOLDMAN SACHS SOLE 4500
HEWLETT PACKARD CO SOLE 28988
HOME DEPOT INC SOLE 224163
HOME DEPOT INC SOLE 6051
HOME DEPOT INC DEFINED 2105
HOME DEPOT INC DEFINED 588
HOME DEPOT INC DEFINED 1057
HOME DEPOT INC OTHER 5955
HOME DEPOT INC DEF/OTH 180
HONEYWELL INTL INC SOLE 25400
HONEYWELL INTL INC DEFINED 607
ITXC CORP SOLE 24000
INFOSPACE, INC. SOLE 9302
INFOSPACE, INC. SOLE 270
INTEL CORP SOLE 166457
INTEL CORP SOLE 2177
INTEL CORP DEFINED 4630
INTEL CORP DEFINED 500
INTEL CORP OTHER 1210
INTEL CORP DEF/OTH 1650
IBM CORP SOLE 16797
IBM CORP SOLE 400
IBM CORP DEFINED 1800
IBM CORP OTHER 1435
IBM CORP DEF/OTH 1588
FEDERATED SOLE 105168
FEDERATED SOLE 3253
FEDERATED DEFINED 2130
INTERNET CAPITAL GROUP INC SOLE 43077
INTERNET CAPITAL GROUP INC SOLE 609
INTERNET CAPITAL GROUP INC DEFINED 130
I 2 TECHNOLOGIES INC. SOLE 44389
I 2 TECHNOLOGIES INC. SOLE 4064
JDS UNIPHASE CORP SOLE 48823
JDS UNIPHASE CORP SOLE 3962
JDS UNIPHASE CORP DEFINED 250
JDS UNIPHASE CORP OTHER 825
JEFFERSON PILOT CORP SOLE 9455
JEFFERSON PILOT CORP DEFINED 200
JOHNSON & JOHNSON SOLE 76039
JOHNSON & JOHNSON SOLE 1878
JOHNSON & JOHNSON DEFINED 372
JOHNSON & JOHNSON DEFINED 195
JOHNSON & JOHNSON DEFINED 557
JOHNSON & JOHNSON OTHER 3245
JUNIPER NETWORKS INC SOLE 2400
KIMBERLY CLARK SOLE 19147
KIMBERLY CLARK DEFINED 8000
KIMBERLY CLARK OTHER 1248
KOHLS CORP SOLE 9706
LCA-VISION INC SOLE 10200
LG&E ENERGY CORP SOLE 10410
LG&E ENERGY CORP DEFINED 900
LG&E ENERGY CORP OTHER 4800
LEGG MASON INC SOLE 10000
ELI LILLY & CO SOLE 23815
ELI LILLY & CO SOLE 70
ELI LILLY & CO DEFINED 235
ELI LILLY & CO OTHER 400
ELI LILLY & CO DEF/OTH 150
LINCOLN NATL CORP SOLE 4400
LINCOLN NATL CORP DEFINED 1800
LINCOLN NATL CORP OTHER 712
LINCOLN NATL CORP DEF/OTH 800
LUCENT TECHNOLOGIES INC SOLE 4386
LUCENT TECHNOLOGIES INC DEFINED 700
LUCENT TECHNOLOGIES INC DEFINED 500
LUCENT TECHNOLOGIES INC OTHER 2740
LUCENT TECHNOLOGIES INC DEF/OTH 200
MRV COMMUNICATIONS INC SOLE 20000
MARCHFIRST INC SOLE 12000
MARSH & MCLENNAN COS. INC. SOLE 16800
MARSH & MCLENNAN COS. INC. DEFINED 412
MARSH & MCLENNAN COS. INC. DEF/OTH 1200
MEDIMMUNE SOLE 57201
MEDIMMUNE SOLE 4170
MEDIMMUNE DEFINED 585
MEDIMMUNE OTHER 45
MEDIMMUNE DEF/OTH 285
MELLON FINANCIAL SOLE 10166
MELLON FINANCIAL SOLE 1700
MELLON FINANCIAL DEFINED 700
MERCK & CO INC SOLE 54031
MERCK & CO INC SOLE 250
MERCK & CO INC DEFINED 400
MERCK & CO INC OTHER 2400
MERCK & CO INC DEF/OTH 510
MERRILL LYNCH & CO SOLE 14150
MERRILL LYNCH & CO DEFINED 300
MICROSOFT CORP SOLE 234761
MICROSOFT CORP SOLE 9128
MICROSOFT CORP DEFINED 2165
MICROSOFT CORP DEFINED 800
MICROSOFT CORP DEFINED 645
MICROSOFT CORP OTHER 8870
MICROSOFT CORP DEF/OTH 220
MINNESOTA MINING & MFG CO SOLE 10550
MINNESOTA MINING & MFG CO OTHER 5000
MONTANA PWR CO SOLE 18865
MONTANA PWR CO OTHER 800
MORGAN J.P. & CO INC SOLE 7150
MORGAN J.P. & CO INC DEFINED 250
MORGAN J.P. & CO INC OTHER 800
MORGAN J.P. & CO INC DEF/OTH 500
MORGAN STANLEY DEAN WITTER & CO SOLE 11000
MORGAN STANLEY DEAN WITTER & CO DEFINED 800
MOTOROLA INC SOLE 47579
MOTOROLA INC DEFINED 1650
MOTOROLA INC OTHER 4800
MOTOROLA INC DEF/OTH 600
NRG ENERGY INC SOLE 18600
NATL COMMERCE BANCORP SOLE 16000
NATL COMMERCE BANCORP SOLE 1800
NETSILICON INC SOLE 97350
NETSILICON INC DEFINED 500
NEXTEL COMMUNICATIONS SOLE 12000
NEXTEL COMMUNICATIONS DEFINED 468
NOKIA CORP ADR SOLE 133670
NOKIA CORP ADR SOLE 10007
NOKIA CORP ADR DEFINED 1334
NOKIA CORP ADR DEFINED 504
NOKIA CORP ADR OTHER 3304
NORFOLK SOUTHN CORP DEFINED 5130
NORFOLK SOUTHN CORP DEF/OTH 11517
NORTEL NETWORKS CORP SOLE 141557
NORTEL NETWORKS CORP SOLE 1816
NORTEL NETWORKS CORP DEFINED 2900
NORTEL NETWORKS CORP DEFINED 598
NORTEL NETWORKS CORP OTHER 2320
NOVELLUS SYSTEMS SOLE 12000
NUVEEN MUNI VALUE FUND SOLE 11095
ORACLE CORP SOLE 106752
ORACLE CORP SOLE 5785
ORACLE CORP DEFINED 238
ORACLE CORP DEFINED 500
ORACLE CORP DEFINED 350
ORACLE CORP OTHER 915
PE CORP-PE SOLE 3500
PNC FINANCIAL SERVICES GROUP SOLE 2856
PNC FINANCIAL SERVICES GROUP DEFINED 8800
PNC FINANCIAL SERVICES GROUP DEF/OTH 575
PEPSICO INC SOLE 28110
PEPSICO INC DEFINED 7000
PFIZER INC SOLE 286370
PFIZER INC SOLE 5439
PFIZER INC DEFINED 11358
PFIZER INC DEFINED 417
PFIZER INC DEFINED 748
PFIZER INC OTHER 11463
PFIZER INC DEF/OTH 270
PHARMACIA CORP SOLE 3001
PHARMACIA CORP DEFINED 1000
PHILIP MORRIS CO. INC. SOLE 300
PHILIP MORRIS CO. INC. DEFINED 300
PHILIP MORRIS CO. INC. OTHER 4800
PHILIP MORRIS CO. INC. DEF/OTH 11339
PLEXUS CORP SOLE 15000
PROCTER & GAMBLE CO. SOLE 69262
PROCTER & GAMBLE CO. SOLE 145
PROCTER & GAMBLE CO. DEFINED 3706
PROCTER & GAMBLE CO. OTHER 31866
PROCTER & GAMBLE CO. DEF/OTH 1800
PROVIDENT FINANCIAL GROUP INC SOLE 457861
PROVIDENT FINANCIAL GROUP INC SOLE 17275
PROVIDENT FINANCIAL GROUP INC OTHER 650
PROVIDIAN FINANCIAL CORP OTHER 3000
QUALCOMM INC SOLE 9107
QUALCOMM INC SOLE 439
QUALCOMM INC DEFINED 81
QUALCOMM INC OTHER 250
REALNETWORKS INC SOLE 14400
RIVERFRONT SOLE 1336810
RIVERFRONT SOLE 25368
RIVERFRONT DEFINED 55055
RIVERFRONT OTHER 48413
RIVERFRONT DEF/OTH 66239
RIVERFRONT SOLE 57758
RIVERFRONT SOLE 2026
RIVERFRONT OTHER 1973
RIVERFRONT SOLE 33898
RIVERFRONT SOLE 3063787
RIVERFRONT SOLE 28289
RIVERFRONT DEFINED 29963
RIVERFRONT DEFINED 12789
RIVERFRONT OTHER 216175
RIVERFRONT DEF/OTH 145484
RIVERFRONT SOLE 253966
RIVERFRONT SOLE 7011
RIVERFRONT DEFINED 7720
T. ROWE PRICE SOLE 18942
ROYAL DUTCH PETROLEUM CO SOLE 13997
SBC COMMUNICATIONS SOLE 78715
SBC COMMUNICATIONS DEFINED 3363
SBC COMMUNICATIONS DEFINED 500
SBC COMMUNICATIONS OTHER 19348
SBC COMMUNICATIONS DEF/OTH 3158
SEI INVESTMENTS COMPANY SOLE 15900
SANMINA CORPORATION SOLE 30000
SCHERING-PLOUGH CORP SOLE 82286
SCHERING-PLOUGH CORP SOLE 2758
SCHERING-PLOUGH CORP DEFINED 600
SCHERING-PLOUGH CORP DEFINED 700
SCHERING-PLOUGH CORP DEFINED 459
SCHERING-PLOUGH CORP OTHER 882
SCHLUMBERGER LTD SOLE 19697
SCHLUMBERGER LTD SOLE 100
SCHLUMBERGER LTD DEF/OTH 200
SCHWAB (CHARLES) CORP SOLE 110929
SCHWAB (CHARLES) CORP DEFINED 2925
SEPRACOR INC SOLE 5318
SEPRACOR INC DEFINED 222
SMITHKLINE BEECHAM DEFINED 3200
SOLECTRON CORP SOLE 20900
SONOCO PRODS CO SOLE 12915
SONY CORP SOLE 8810
SONY CORP DEFINED 800
SPRINT CORP SOLE 11400
SPRINT CORP SOLE 11340
SPRINT CORP DEFINED 786
STAPLES INC. SOLE 139459
STAPLES INC. SOLE 5852
STAPLES INC. DEFINED 2606
STAPLES INC. OTHER 1012
STATE STREET CORP SOLE 6728
SUN MICROSYSTEMS INC SOLE 54384
SUN MICROSYSTEMS INC SOLE 3889
SUN MICROSYSTEMS INC DEFINED 167
SUN MICROSYSTEMS INC DEFINED 557
SUN MICROSYSTEMS INC DEFINED 325
TEXACO INC SOLE 15285
TEXACO INC DEFINED 1500
TEXACO INC OTHER 8000
TEXACO INC DEF/OTH 2400
TEXAS INSTRUMENTS INC SOLE 134870
TEXAS INSTRUMENTS INC SOLE 2829
TEXAS INSTRUMENTS INC DEFINED 1230
TEXAS INSTRUMENTS INC DEFINED 352
TEXAS INSTRUMENTS INC OTHER 1650
TEXAS INSTRUMENTS INC DEF/OTH 800
TIME WARNER INC SOLE 132783
TIME WARNER INC SOLE 3140
TIME WARNER INC DEFINED 232
TIME WARNER INC OTHER 975
TUT SYSTEMS INC SOLE 12700
TYCO INTERNATIONAL LTD SOLE 208577
TYCO INTERNATIONAL LTD SOLE 5281
TYCO INTERNATIONAL LTD DEFINED 1300
TYCO INTERNATIONAL LTD DEFINED 300
TYCO INTERNATIONAL LTD DEFINED 878
TYCO INTERNATIONAL LTD OTHER 3901
UNITED PARCEL SERVICE-CL B SOLE 9305
UNITED PARCEL SERVICE-CL B SOLE 100
UNITED PARCEL SERVICE-CL B DEFINED 400
VANGUARD SOLE 429749
VANGUARD OTHER 19417
VANGUARD DEF/OTH 48343
VERITAS SOFTWARE CORP SOLE 3500
VERITAS SOFTWARE CORP SOLE 85
VERISIGN INC SOLE 34608
VERISIGN INC SOLE 793
VITESSE SEMICONDUCTOR CORP SOLE 21200
VITRIA TECHNOLOGY INC SOLE 7600
VODAFONE AIRTOUCH PLC SOLE 37620
VODAFONE AIRTOUCH PLC DEFINED 1000
VODAFONE AIRTOUCH PLC OTHER 2160
WAL-MART STORES INC SOLE 239538
WAL-MART STORES INC SOLE 5648
WAL-MART STORES INC DEFINED 1700
WAL-MART STORES INC DEFINED 400
WAL-MART STORES INC DEFINED 1291
WAL-MART STORES INC OTHER 6232
WAL-MART STORES INC DEF/OTH 550
WALGREEN CO SOLE 136355
WALGREEN CO SOLE 4556
WALGREEN CO DEFINED 2900
WALGREEN CO DEFINED 1647
WALGREEN CO OTHER 176
WELLS FARGO COMPANY SOLE 22060
WELLS FARGO COMPANY DEFINED 4000
WELLS FARGO COMPANY OTHER 4000
WELLS FARGO COMPANY DEF/OTH 3450
WILLIAMS COMMUNICATIONS GRP SOLE 14000
WORLDCOM INC SOLE 259459
WORLDCOM INC SOLE 5412
WORLDCOM INC DEFINED 1000
WORLDCOM INC DEFINED 500
WORLDCOM INC DEFINED 844
WORLDCOM INC OTHER 2100
WORLDCOM INC DEF/OTH 142
YAHOO! INC. SOLE 10808
YAHOO! INC. SOLE 930
YAHOO! INC. DEFINED 200
LERNOUT & HAUSPIE SPEECH PRO SOLE 13400
GLOBAL CROSSING LTD. SOLE 14840
GLOBAL CROSSING LTD. SOLE 293
GLOBAL CROSSING LTD. DEFINED 1000
GLOBALSTAR TELECOMMUNICATION SOLE 30100
GLOBALSTAR TELECOMMUNICATION DEFINED 2400
BIOMEDICAL DISPOSAL, INC. SOLE 40000
</TABLE>
