[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: 12/31/1999
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: C EDWIN RILEY
Title: PRESIDENT, PIA
Phone: 513-579-2257
Signature, Place, and Date of Signing:
C EDWIN RILEY CINCINNATI, OHIO 01/05/2000
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: 413
Form 13F Information Table Value Total: $ 699,856
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 6333 124631 SH
AT&T CORP COMMON STOCK 001957109 234 4611 SH
AT&T CORP COMMON STOCK 001957109 122 2400 SH
ABBOTT LABS COMMON STOCK 002824100 1596 43940 SH
ABBOTT LABS COMMON STOCK 002824100 232 6400 SH
ABERCROMBIE & FITCH CO COMMON STOCK 002896207 200 7500 SH
AEGON N.V. COMMON STOCK 007924103 166 1736 SH
AEGON N.V. COMMON STOCK 007924103 100 1042 SH
AKAMAI TECHNOLOGIES COMMON STOCK 00971T101 229 700 SH
ALTIGEN COMMUNICATIONS INC COMMON STOCK 021489109 103 10000 SH
AMAZON COM INC COMMON STOCK 023135106 2702 35489 SH
AMAZON COM INC COMMON STOCK 023135106 14 190 SH
AMAZON COM INC COMMON STOCK 023135106 15 200 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 20941 275993 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 84 1112 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 97 1280 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 303 3994 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 2668 16050 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 33 200 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 241 6150 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 424 10800 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 298 7600 SH
AMER INTL GROUP INC COMMON STOCK 026874107 10173 94087 SH
AMER INTL GROUP INC COMMON STOCK 026874107 23 215 SH
AMER INTL GROUP INC COMMON STOCK 026874107 349 3224 SH
AMER INTL GROUP INC COMMON STOCK 026874107 56 520 SH
AMERICAN ITALIAN PASTA CO COMMON STOCK 027070101 615 20000 SH
AMERICAN PWR CONVERSION CORP COMMON STOCK 029066107 554 21000 SH
AMGEN INC COMMON STOCK 031162100 3650 60769 SH
AMGEN INC COMMON STOCK 031162100 168 2800 SH
ANHEUSER-BUSCH COS INC. COMMON STOCK 035229103 209 2942 SH
ARIBA INC COMMON STOCK 04033V104 5240 29544 SH
ARIBA INC COMMON STOCK 04033V104 32 180 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 293 10694 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 49 1780 SH
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 1368 25400 SH
BP AMOCO PLC-SPONS ADR COMMON STOCK 055622104 1860 31352 SH
BP AMOCO PLC-SPONS ADR COMMON STOCK 055622104 596 10054 SH
BP AMOCO PLC-SPONS ADR COMMON STOCK 055622104 141 2380 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 1386 27624 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 45 889 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 6 113 SH
BANK NEW YORK INC COMMON STOCK 064057102 224 5600 SH
BANK ONE CORP COMMON STOCK 06423A103 823 25718 SH
BANK ONE CORP COMMON STOCK 06423A103 19 605 SH
BANK ONE CORP COMMON STOCK 06423A103 3 101 SH
BELLSOUTH CORP COMMON STOCK 079860102 1510 32261 SH
BELLSOUTH CORP COMMON STOCK 079860102 56 1200 SH
BELLSOUTH CORP COMMON STOCK 079860102 603 12875 SH
BELLSOUTH CORP COMMON STOCK 079860102 76 1620 SH
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670108 505 9 SH
BEST FOODS COMMON STOCK 08658U101 784 14912 SH
BEST FOODS COMMON STOCK 08658U101 252 4800 SH
BEST FOODS COMMON STOCK 08658U101 126 2400 SH
BEST FOODS COMMON STOCK 08658U101 171 3250 SH
BOEING CO. COMMON STOCK 097023105 419 10100 SH
BOEING CO. COMMON STOCK 097023105 87 2098 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 6469 100787 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 43 676 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 773 12050 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 26 400 SH
BROADCOM CORP - CL A COMMON STOCK 111320107 1249 4585 SH
BROADWING INC COMMON STOCK 111620100 4023 109087 SH
BROADWING INC COMMON STOCK 111620100 63 1700 SH
BROADWING INC COMMON STOCK 111620100 903 24488 SH
BROADWING INC COMMON STOCK 111620100 11 300 SH
BUILDING ONE SERVICES CORP COMMON STOCK 120114103 339 35924 SH
CMGI INC COMMON STOCK 125750109 692 2500 SH
CALPINE CORP COMMON STOCK 131347106 1017 15890 SH
CALPINE CORP COMMON STOCK 131347106 90 1400 SH
CARDINAL HEALTH COMMON STOCK 14149Y108 971 20278 SH
CATALYTICA INC COMMON STOCK 148885106 732 54000 SH
CATERPILLAR INC COMMON STOCK 149123101 457 9700 SH
CATERPILLAR INC COMMON STOCK 149123101 19 400 SH
CATERPILLAR INC COMMON STOCK 149123101 132 2800 SH
CELLSTAR CORP COMMON STOCK 150925105 198 20000 SH
CHASE MANHATTAN CORP COMMON STOCK 16161A108 1441 18547 SH
CHEVRON CORP COMMON STOCK 166751107 1586 18306 SH
CHEVRON CORP COMMON STOCK 166751107 92 1064 SH
CHEVRON CORP COMMON STOCK 166751107 139 1610 SH
CHEVRON CORP COMMON STOCK 166751107 52 600 SH
CINERGY CORP COMMON STOCK 172474108 244 10199 SH
CINERGY CORP COMMON STOCK 172474108 11 450 SH
CINERGY CORP COMMON STOCK 172474108 47 1945 SH
CINERGY CORP COMMON STOCK 172474108 34 1415 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 26879 250910 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 244 2280 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 244 2280 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 482 4500 SH
CINTAS CORP COMMON STOCK 172908105 205 3857 SH
CINTAS CORP COMMON STOCK 172908105 11 200 SH
CITIGROUP INC COMMON STOCK 172967101 6905 123991 SH
CITIGROUP INC COMMON STOCK 172967101 50 900 SH
CITIGROUP INC COMMON STOCK 172967101 5 96 SH
CITIGROUP INC COMMON STOCK 172967101 38 675 SH
CLEAR CHANNEL COMMUNICATION COMMON STOCK 184502102 1557 17440 SH
CLOROX CO COMMON STOCK 189054109 1505 29872 SH
COCA COLA CO COMMON STOCK 191216100 6374 109418 SH
COCA COLA CO COMMON STOCK 191216100 454 7796 SH
COCA COLA CO COMMON STOCK 191216100 1490 25585 SH
COCA COLA CO COMMON STOCK 191216100 213 3650 SH
COMMERCE ONE INC COMMON STOCK 200693109 460 2340 SH
COMPAQ COMPUTER CORP COMMON STOCK 204493100 211 7803 SH
COMPAQ COMPUTER CORP COMMON STOCK 204493100 54 2000 SH
COMVERSE TECHNOLOGY INC COMMON STOCK 205862402 1298 8970 SH
CONAGRA, INC. COMMON STOCK 205887102 755 33300 SH
CONAGRA, INC. COMMON STOCK 205887102 77 3400 SH
CONAGRA, INC. COMMON STOCK 205887102 7 300 SH
CONVERGYS CORP COMMON STOCK 212485106 387 12592 SH
CONVERGYS CORP COMMON STOCK 212485106 15 500 SH
CONVERGYS CORP COMMON STOCK 212485106 787 25588 SH
CONVERGYS CORP COMMON STOCK 212485106 9 300 SH
COUNTRYWIDE MUTUAL FUNDS FI 221910201 121 11876 SH
COX RADIO INC-CL A COMMON STOCK 224051102 998 10000 SH
CRESCENT REAL ESTATE EQUITIES COMMON STOCK 225756105 459 25000 SH
DEERE & CO. COMMON STOCK 244199105 131 3026 SH
DEERE & CO. COMMON STOCK 244199105 104 2400 SH
DELL COMPUTER CORP COMMON STOCK 247025109 13328 261324 SH
DELL COMPUTER CORP COMMON STOCK 247025109 35 688 SH
DELL COMPUTER CORP COMMON STOCK 247025109 35 680 SH
DELL COMPUTER CORP COMMON STOCK 247025109 60 1175 SH
DIGEX INC COMMON STOCK 253756100 1169 17000 SH
DIGI INTL INC COMMON STOCK 253798102 104 10000 SH
DISNEY WALT CO COMMON STOCK 254687106 1643 56156 SH
DOW CHEM CO COMMON STOCK 260543103 62 461 SH
DOW CHEM CO COMMON STOCK 260543103 200 1500 SH
DOW CHEM CO COMMON STOCK 260543103 60 450 SH
DOW CHEM CO COMMON STOCK 260543103 67 500 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 1480 22462 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 435 6600 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 171 2600 SH
EMC CORPORATION COMMON STOCK 268648102 17390 159175 SH
EMC CORPORATION COMMON STOCK 268648102 104 956 SH
EMC CORPORATION COMMON STOCK 268648102 139 1276 SH
EMC CORPORATION COMMON STOCK 268648102 60 550 SH
EATON VANCE CORP COMMON STOCK 278265103 380 10000 SH
EBAY INC COMMON STOCK 278642103 2958 23626 SH
EBAY INC COMMON STOCK 278642103 8 60 SH
EBAY INC COMMON STOCK 278642103 4 30 SH
EXODUS COMMUNICATIONS INC COMMON STOCK 302088109 7611 85703 SH
EXODUS COMMUNICATIONS INC COMMON STOCK 302088109 25 280 SH
EXPEDITORS INTL WASH INC COMMON STOCK 302130109 263 6000 SH
EXXON MOBIL CORPORATION COMMON STOCK 30231G102 6969 86506 SH
EXXON MOBIL CORPORATION COMMON STOCK 30231G102 770 9553 SH
EXXON MOBIL CORPORATION COMMON STOCK 30231G102 900 11174 SH
EXXON MOBIL CORPORATION COMMON STOCK 30231G102 331 4104 SH
FANNIE MAE COMMON STOCK 313586109 5746 92027 SH
FANNIE MAE COMMON STOCK 313586109 24 392 SH
FANNIE MAE COMMON STOCK 313586109 28 450 SH
FEDERATED MUTUAL FUNDS EQ 313900102 685 18994 SH
FEDERATED MUTUAL FUNDS FI 314184102 1363 126512 SH
FEDERATED MUTUAL FUNDS FI 314184102 437 40600 SH
FEDERATED MUTUAL FUNDS FI 314184102 396 36737 SH
FEDERATED MUTUAL FUNDS FI 314184102 89 8220 SH
FEDERATED MUTUAL FUNDS FI 314284100 418 44214 SH
FEDERATED MUTUAL FUNDS FI 31428P103 285 27514 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 1264 17231 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 1163 15846 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 2822 38462 SH
FILENET CORP COMMON STOCK 316869106 510 20000 SH
FIRST UNION CORP COMMON STOCK 337358105 1033 31350 SH
FIRST UNION CORP COMMON STOCK 337358105 109 3300 SH
FIRSTAR CORP COMMON STOCK 33763V109 1697 80332 SH
FIRSTAR CORP COMMON STOCK 33763V109 1663 78740 SH
FIRSTAR CORP COMMON STOCK 33763V109 19 900 SH
FORD MOTOR CO COMMON STOCK 345370100 2588 48535 SH
FORD MOTOR CO COMMON STOCK 345370100 194 3634 SH
FRANKLIN MUTUAL FUNDS FI 353496607 67 10264 SH
FREEMARKETS INC COMMON STOCK 356602102 539 1580 SH
GTE CORP COMMON STOCK 362320103 1141 16169 SH
GANNETT INC COMMON STOCK 364730101 1491 18277 SH
GANNETT INC COMMON STOCK 364730101 65 800 SH
GANNETT INC COMMON STOCK 364730101 261 3200 SH
GANNETT INC COMMON STOCK 364730101 131 1600 SH
GAP INC COMMON STOCK 364760108 4835 105119 SH
GAP INC COMMON STOCK 364760108 43 924 SH
GAP INC COMMON STOCK 364760108 6 139 SH
GAP INC COMMON STOCK 364760108 34 730 SH
GATEWAY MUTUAL FUNDS FI 367829207 442 18664 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 22258 143832 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 732 4733 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 1650 10662 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 1068 6900 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 551 7587 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 29 400 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 73 1000 SH
GEMTEX CORP COMMON STOCK 371901109 555 20000 SH
GILLETTE CO COMMON STOCK 375766102 1398 33947 SH
GILLETTE CO COMMON STOCK 375766102 60 1453 SH
GILLETTE CO COMMON STOCK 375766102 132 3200 SH
H J HEINZ CO. COMMON STOCK 423074103 632 15875 SH
H J HEINZ CO. COMMON STOCK 423074103 32 800 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 4908 43144 SH
HOME DEPOT INC COMMON STOCK 437076102 11839 172202 SH
HOME DEPOT INC COMMON STOCK 437076102 78 1130 SH
HOME DEPOT INC COMMON STOCK 437076102 50 731 SH
HOME DEPOT INC COMMON STOCK 437076102 35 503 SH
INTEL CORP COMMON STOCK 458140100 13064 158710 SH
INTEL CORP COMMON STOCK 458140100 361 4380 SH
INTEL CORP COMMON STOCK 458140100 100 1210 SH
INTEL CORP COMMON STOCK 458140100 136 1650 SH
IBM CORP COMMON STOCK 459200101 3103 28763 SH
IBM CORP COMMON STOCK 459200101 194 1800 SH
IBM CORP COMMON STOCK 459200101 237 2200 SH
IBM CORP COMMON STOCK 459200101 314 2912 SH
FEDERATED MUTUAL FUNDS EQ 46031P308 2678 86458 SH
INTERNET CAPITAL GROUP INC COMMON STOCK 46059C106 697 4100 SH
INTIMATE BRANDS COMMON STOCK 461156101 459 10650 SH
I 2 TECHNOLOGIES INC. COMMON STOCK 465754109 1950 10000 SH
JDS UNIPHASE CORP COMMON STOCK 46612J101 1445 8960 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 6769 72586 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 20 218 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 303 3245 SH
KIMBERLY CLARK COMMON STOCK 494368103 1270 19403 SH
KIMBERLY CLARK COMMON STOCK 494368103 821 12544 SH
KIMBERLY CLARK COMMON STOCK 494368103 82 1248 SH
LCA-VISION INC COMMON STOCK 501803209 48 10200 SH
LG&E ENERGY CORP COMMON STOCK 501917108 155 8910 SH
LG&E ENERGY CORP COMMON STOCK 501917108 16 900 SH
LG&E ENERGY CORP COMMON STOCK 501917108 110 6300 SH
LG&E ENERGY CORP COMMON STOCK 501917108 37 2100 SH
LEGG MASON INC COMMON STOCK 524901105 363 10000 SH
ELI LILLY & CO COMMON STOCK 532457108 1879 28263 SH
ELI LILLY & CO COMMON STOCK 532457108 31 462 SH
ELI LILLY & CO COMMON STOCK 532457108 10 150 SH
LINCOLN NATL CORP COMMON STOCK 534187109 176 4400 SH
LINCOLN NATL CORP COMMON STOCK 534187109 48 1200 SH
LINCOLN NATL CORP COMMON STOCK 534187109 58 1462 SH
LINCOLN NATL CORP COMMON STOCK 534187109 32 800 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 8673 115635 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 289 3848 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 218 2902 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 65 864 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 10062 189627 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 23 434 SH
MRV COMMUNICATIONS INC COMMON STOCK 553477100 629 10000 SH
MAKER COMMUNICATIONS INC COMMON STOCK 560875106 214 5000 SH
MARSH & MCLENNAN COS. INC. COMMON STOCK 571748102 1817 18984 SH
MARSH & MCLENNAN COS. INC. COMMON STOCK 571748102 115 1200 SH
MCDONALDS CORP COMMON STOCK 580135101 146 3628 SH
MCDONALDS CORP COMMON STOCK 580135101 65 1600 SH
MCDONALDS CORP COMMON STOCK 580135101 65 1600 SH
MEDIMMUNE COMMON STOCK 584699102 1874 11300 SH
MELLON FINANCIAL CROP COMMON STOCK 58551A108 409 12002 SH
MERCK & CO INC COMMON STOCK 589331107 6789 101040 SH
MERCK & CO INC COMMON STOCK 589331107 134 2000 SH
MERCK & CO INC COMMON STOCK 589331107 199 2960 SH
MERCK & CO INC COMMON STOCK 589331107 34 510 SH
MERRILL LYNCH & CO COMMON STOCK 590188108 1098 13175 SH
MICROSOFT CORP COMMON STOCK 594918104 23088 197754 SH
MICROSOFT CORP COMMON STOCK 594918104 258 2210 SH
MICROSOFT CORP COMMON STOCK 594918104 860 7370 SH
MICROSOFT CORP COMMON STOCK 594918104 68 580 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 1704 17414 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 489 5000 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 78 800 SH
MOHAWK IND INC COMMON STOCK 608190104 211 8000 SH
MONSANTO CO COMMON STOCK 611662107 503 14200 SH
MONSANTO CO COMMON STOCK 611662107 35 1000 SH
MONSANTO CO CONVERTIBLE PRE 611662305 298 9000 SH
MORGAN J.P. & CO INC COMMON STOCK 616880100 905 7150 SH
MORGAN J.P. & CO INC COMMON STOCK 616880100 32 250 SH
MORGAN J.P. & CO INC COMMON STOCK 616880100 101 800 SH
MORGAN J.P. & CO INC COMMON STOCK 616880100 63 500 SH
MOTOROLA INC COMMON STOCK 620076109 1473 10000 SH
MOTOROLA INC COMMON STOCK 620076109 236 1600 SH
MOTOROLA INC COMMON STOCK 620076109 29 200 SH
NTL INCORPORATED COMMON STOCK 629407107 312 2500 SH
NATIONAL CITY CORP COMMON STOCK 635405103 843 35596 SH
NATIONAL CITY CORP COMMON STOCK 635405103 5 200 SH
NATL COMMERCE BANCORP COMMON STOCK 635449101 415 18300 SH
NETSILICON INC COMMON STOCK 64115X105 1936 96500 SH
NETSILICON INC COMMON STOCK 64115X105 76 3800 SH
NETWORK SOLUTIONS INC-CL-A COMMON STOCK 64121Q102 3544 16290 SH
NOKIA CORP ADR COMMON STOCK 654902204 2623 13731 SH
NORFOLK SOUTHN CORP COMMON STOCK 655844108 105 5130 SH
NORFOLK SOUTHN CORP COMMON STOCK 655844108 236 11517 SH
NORTEL NETWORKS CORP COMMON STOCK 656569100 1411 13975 SH
NORTEL NETWORKS CORP COMMON STOCK 656569100 177 1750 SH
NOVELLUS SYSTEMS COMMON STOCK 670008101 490 4000 SH
ORACLE CORP COMMON STOCK 68389X105 358 3195 SH
O'REILLY AUTOMOTIVE INC. COMMON STOCK 686091109 301 14000 SH
PNC BANK CORP COMMON STOCK 693475105 266 5972 SH
PNC BANK CORP COMMON STOCK 693475105 392 8800 SH
PNC BANK CORP COMMON STOCK 693475105 169 3798 SH
PNV INC COMMON STOCK 69348A103 135 16500 SH
AMERICAN PREMIER UNDERWRITERS COMMON STOCK 707271102 81763 3100000 SH
PEPSICO INC COMMON STOCK 713448108 902 25600 SH
PEPSICO INC COMMON STOCK 713448108 247 7000 SH
PEPSICO INC COMMON STOCK 713448108 71 2025 SH
PFIZER INC COMMON STOCK 717081103 6736 207653 SH
PFIZER INC COMMON STOCK 717081103 299 9223 SH
PFIZER INC COMMON STOCK 717081103 364 11211 SH
PFIZER INC COMMON STOCK 717081103 17 525 SH
PHILIP MORRIS CO. INC. COMMON STOCK 718154107 106 4630 SH
PHILIP MORRIS CO. INC. COMMON STOCK 718154107 16 675 SH
PHILIP MORRIS CO. INC. COMMON STOCK 718154107 110 4800 SH
PHILIP MORRIS CO. INC. COMMON STOCK 718154107 261 11339 SH
PIEDMONT NATURAL GAS CO COMMON STOCK 720186105 612 20325 SH
PIEDMONT NATURAL GAS CO COMMON STOCK 720186105 57 1900 SH
PITNEY-BOWES, INC. COMMON STOCK 724479100 398 8243 SH
PLEXUS CORP COMMON STOCK 729132100 660 15000 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 16112 147059 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 370 3381 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 5557 50716 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 230 2100 SH
PROVIDENT FINANCIAL GROUP INC COMMON STOCK 743866105 16182 451078 SH
PROVIDENT FINANCIAL GROUP INC COMMON STOCK 743866105 16 450 SH
PROVIDIAN FINANCIAL CORP COMMON STOCK 74406A102 273 3000 SH
PROVIDIAN FINANCIAL CORP COMMON STOCK 74406A102 164 1800 SH
PUTNAM MUTUAL FUNDS FI 746704105 210 19534 SH
PUTNAM MUTUAL FUNDS FI 74678J104 191 24529 SH
QUALCOMM INC COMMON STOCK 747525103 282 1600 SH
QWEST COMMUNICATIONS INTL COMMON STOCK 749121109 654 15200 SH
REALNETWORKS INC COMMON STOCK 75605L104 626 5200 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 12033 1334031 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 515 57120 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 483 53575 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 494 54739 SH
RIVERFRONT MUTUAL FUNDS EQ 768709404 382 34049 SH
RIVERFRONT MUTUAL FUNDS EQ 768709404 22 1973 SH
RIVERFRONT MUTUAL FUNDS BA 768709602 465 34712 SH
RIVERFRONT MUTUAL FUNDS BA 768709602 135 10059 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 55600 3160889 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 995 56566 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 3688 209643 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 2692 153038 SH
RIVERFRONT MUTUAL FUNDS EQ 768709867 2635 230294 SH
T. ROWE PRICE MUTUAL FUNDS EQ 779572106 413 18116 SH
ROYAL DUTCH PETROLEUM CO FOREIGN STOCK 780257804 1363 22500 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 3211 65863 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 164 3363 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 1000 20518 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 154 3158 SH
SEI INVESTMENTS COMPANY COMMON STOCK 784117103 631 5300 SH
SANMINA CORPORATION COMMON STOCK 800907107 1149 11500 SH
SCANA CORP COMMON STOCK 805898103 134 5000 SH
SCANA CORP COMMON STOCK 805898103 67 2500 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 2962 69909 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 8 200 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 37 882 SH
SCHLUMBERGER LTD FOREIGN STOCK 806857108 701 12485 SH
SCHLUMBERGER LTD FOREIGN STOCK 806857108 11 200 SH
SCHWAB (CHARLES) CORP COMMON STOCK 808513105 6153 160855 SH
SCHWAB (CHARLES) CORP COMMON STOCK 808513105 75 1950 SH
SCHWAB (CHARLES) CORP COMMON STOCK 808513105 4 106 SH
SCHWAB (CHARLES) CORP COMMON STOCK 808513105 16 430 SH
SILICON IMAGE INC COMMON STOCK 82705T102 525 7500 SH
SMITHKLINE BEECHAM FOREIGN STOCK 832378301 154 2400 SH
SMITHKLINE BEECHAM FOREIGN STOCK 832378301 205 3200 SH
SOLECTRON CORP COMMON STOCK 834182107 761 8000 SH
SONY CORP FOREIGN STOCK 835699307 295 1035 SH
SPORTSLINE.COM, INC. COMMON STOCK 848934105 401 8000 SH
SPRINT CORP COMMON STOCK 852061100 169 2510 SH
SPRINT CORP COMMON STOCK 852061100 144 2134 SH
STAPLES INC. COMMON STOCK 855030102 5225 251807 SH
STAPLES INC. COMMON STOCK 855030102 33 1574 SH
STAPLES INC. COMMON STOCK 855030102 21 1012 SH
STAPLES INC. COMMON STOCK 855030102 9 450 SH
STATE STREET CORP COMMON STOCK 857477103 835 11428 SH
SUMMIT BANCORP COMMON STOCK 866005101 490 16000 SH
SUN MICROSYSTEMS INC COMMON STOCK 866810104 1575 20340 SH
TEMPLE INLAND INC. COMMON STOCK 879868107 231 3500 SH
TEXACO INC COMMON STOCK 881694103 1398 25731 SH
TEXACO INC COMMON STOCK 881694103 54 1000 SH
TEXACO INC COMMON STOCK 881694103 437 8050 SH
TEXACO INC COMMON STOCK 881694103 130 2400 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 4749 49144 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 24 250 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 11 110 SH
TIME WARNER INC COMMON STOCK 887315109 7380 102055 SH
TIME WARNER INC COMMON STOCK 887315109 7 100 SH
TUT SYSTEMS INC COMMON STOCK 901103101 804 15000 SH
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 8875 227561 SH
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 61 1576 SH
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 32 826 SH
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 16 400 SH
UNITED PARCEL SERVICE-CL B COMMON STOCK 911312106 1101 15950 SH
UNITED PARCEL SERVICE-CL B COMMON STOCK 911312106 10 150 SH
VANGUARD MUTUAL FUNDS FI 921929204 3550 321224 SH
VANGUARD MUTUAL FUNDS FI 921929204 215 19417 SH
VANGUARD MUTUAL FUNDS FI 921929204 782 70797 SH
VITESSE SEMICONDUCTOR CORP COMMON STOCK 928497106 1269 24200 SH
VITRIA TECHNOLOGY INC COMMON STOCK 92849Q104 445 1900 SH
VODAFONE AIRTOUCH PLC COMMON STOCK 92857T107 378 7630 SH
VODAFONE AIRTOUCH PLC COMMON STOCK 92857T107 50 1000 SH
VODAFONE AIRTOUCH PLC COMMON STOCK 92857T107 74 1500 SH
WAL-MART STORES INC COMMON STOCK 931142103 13924 201439 SH
WAL-MART STORES INC COMMON STOCK 931142103 79 1144 SH
WAL-MART STORES INC COMMON STOCK 931142103 210 3032 SH
WAL-MART STORES INC COMMON STOCK 931142103 86 1250 SH
WALGREEN CO COMMON STOCK 931422109 5614 191926 SH
WALGREEN CO COMMON STOCK 931422109 26 874 SH
WALGREEN CO COMMON STOCK 931422109 5 176 SH
WALGREEN CO COMMON STOCK 931422109 13 440 SH
WARNER LAMBERT CO COMMON STOCK 934488107 6816 83185 SH
WARNER LAMBERT CO COMMON STOCK 934488107 11 130 SH
WARNER LAMBERT CO COMMON STOCK 934488107 39 480 SH
WARNER LAMBERT CO COMMON STOCK 934488107 11 137 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 248 6134 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 162 4000 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 162 4000 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 140 3450 SH
WHITTMAN-HART INC. COMMON STOCK 966834103 322 6000 SH
WILLAMETTE IND INC COMMON STOCK 969133107 232 5000 SH
WILLIAMS COMMUNICATIONS GRP COMMON STOCK 969455104 405 14000 SH
XEROX CORP COMMON STOCK 984121103 670 29550 SH
XEROX CORP COMMON STOCK 984121103 113 5000 SH
YAHOO! INC. COMMON STOCK 984332106 1787 4130 SH
LERNOUT & HAUSPIE SPEECH PRO FOREIGN STOCK B5628B104 370 8000 SH
GLOBAL CROSSING LTD. COMMON STOCK G3921A100 655 13100 SH
JACADA LTD COMMON STOCK M6184R101 307 11000 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 100969
AT&T CORP SOLE 23662
AT&T CORP DEFINED 4611
AT&T CORP OTHER 2400
ABBOTT LABS SOLE 43940
ABBOTT LABS OTHER 6400
ABERCROMBIE & FITCH CO SOLE 7500
AEGON N.V. OTHER 1736
AEGON N.V. DEF/OTH 1042
AKAMAI TECHNOLOGIES SOLE 660
AKAMAI TECHNOLOGIES SOLE 40
ALTIGEN COMMUNICATIONS INC SOLE 10000
AMAZON COM INC SOLE 30929
AMAZON COM INC SOLE 4560
AMAZON COM INC DEFINED 190
AMAZON COM INC DEF/OTH 200
AMERICA ONLINE INC SOLE 248369
AMERICA ONLINE INC SOLE 27624
AMERICA ONLINE INC DEFINED 560
AMERICA ONLINE INC DEFINED 552
AMERICA ONLINE INC OTHER 1280
AMERICA ONLINE INC DEF/OTH 2260
AMERICA ONLINE INC DEF/OTH 1734
AMERICAN EXPRESS CO SOLE 16050
AMERICAN EXPRESS CO DEFINED 200
AMERICAN HOME PRODUCTS CORP SOLE 6150
AMERICAN HOME PRODUCTS CORP OTHER 10800
AMERICAN HOME PRODUCTS CORP DEF/OTH 7600
AMER INTL GROUP INC SOLE 83742
AMER INTL GROUP INC SOLE 10345
AMER INTL GROUP INC DEFINED 215
AMER INTL GROUP INC OTHER 3224
AMER INTL GROUP INC DEF/OTH 360
AMER INTL GROUP INC DEF/OTH 160
AMERICAN ITALIAN PASTA CO SOLE 20000
AMERICAN PWR CONVERSION CORP SOLE 21000
AMGEN INC SOLE 44363
AMGEN INC SOLE 16406
AMGEN INC DEFINED 2800
ANHEUSER-BUSCH COS INC. SOLE 2942
ARIBA INC SOLE 25444
ARIBA INC SOLE 4100
ARIBA INC DEF/OTH 180
ASSOCIATES FIRST CAPITAL CORP SOLE 10694
ASSOCIATES FIRST CAPITAL CORP OTHER 1780
AUTOMATIC DATA PROCESSING SOLE 25400
BP AMOCO PLC-SPONS ADR SOLE 31352
BP AMOCO PLC-SPONS ADR OTHER 10054
BP AMOCO PLC-SPONS ADR DEF/OTH 2380
BANK OF AMERICA CORP SOLE 16584
BANK OF AMERICA CORP SOLE 11040
BANK OF AMERICA CORP DEFINED 889
BANK OF AMERICA CORP DEF/OTH 113
BANK NEW YORK INC SOLE 5600
BANK ONE CORP SOLE 6022
BANK ONE CORP SOLE 19696
BANK ONE CORP DEFINED 605
BANK ONE CORP OTHER 101
BELLSOUTH CORP SOLE 31522
BELLSOUTH CORP SOLE 739
BELLSOUTH CORP DEFINED 1200
BELLSOUTH CORP OTHER 12875
BELLSOUTH CORP DEF/OTH 1620
BERKSHIRE HATHAWAY INC DEL SOLE 9
BEST FOODS SOLE 14912
BEST FOODS DEFINED 4800
BEST FOODS OTHER 2400
BEST FOODS DEF/OTH 3250
BOEING CO. SOLE 10100
BOEING CO. DEF/OTH 2098
BRISTOL MYERS SQUIBB CO SOLE 95237
BRISTOL MYERS SQUIBB CO SOLE 5550
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 4185
BROADCOM CORP - CL A SOLE 400
BROADWING INC SOLE 77887
BROADWING INC SOLE 31200
BROADWING INC DEFINED 1700
BROADWING INC OTHER 24488
BROADWING INC DEF/OTH 300
BUILDING ONE SERVICES CORP SOLE 35924
CMGI INC SOLE 2500
CALPINE CORP SOLE 3640
CALPINE CORP SOLE 12250
CALPINE CORP DEFINED 1400
CARDINAL HEALTH SOLE 18588
CARDINAL HEALTH SOLE 1690
CATALYTICA INC SOLE 54000
CATERPILLAR INC SOLE 9700
CATERPILLAR INC DEFINED 400
CATERPILLAR INC OTHER 2800
CELLSTAR CORP SOLE 20000
CHASE MANHATTAN CORP SOLE 7427
CHASE MANHATTAN CORP SOLE 11120
CHEVRON CORP SOLE 13606
CHEVRON CORP SOLE 4700
CHEVRON CORP DEFINED 1064
CHEVRON CORP OTHER 1610
CHEVRON CORP DEF/OTH 600
CINERGY CORP SOLE 10199
CINERGY CORP DEFINED 450
CINERGY CORP OTHER 1945
CINERGY CORP DEF/OTH 1415
CISCO SYSTEMS INC SOLE 220828
CISCO SYSTEMS INC SOLE 30082
CISCO SYSTEMS INC DEFINED 1774
CISCO SYSTEMS INC DEFINED 506
CISCO SYSTEMS INC OTHER 2280
CISCO SYSTEMS INC DEF/OTH 3900
CISCO SYSTEMS INC DEF/OTH 600
CINTAS CORP SOLE 3507
CINTAS CORP SOLE 350
CINTAS CORP OTHER 200
CITIGROUP INC SOLE 91955
CITIGROUP INC SOLE 32036
CITIGROUP INC DEFINED 900
CITIGROUP INC OTHER 96
CITIGROUP INC DEF/OTH 300
CITIGROUP INC DEF/OTH 375
CLEAR CHANNEL COMMUNICATION SOLE 17340
CLEAR CHANNEL COMMUNICATION SOLE 100
CLOROX CO SOLE 18054
CLOROX CO SOLE 11818
COCA COLA CO SOLE 97780
COCA COLA CO SOLE 11638
COCA COLA CO DEFINED 7600
COCA COLA CO DEFINED 196
COCA COLA CO OTHER 25585
COCA COLA CO DEF/OTH 3500
COCA COLA CO DEF/OTH 150
COMMERCE ONE INC SOLE 2250
COMMERCE ONE INC SOLE 90
COMPAQ COMPUTER CORP SOLE 6503
COMPAQ COMPUTER CORP SOLE 1300
COMPAQ COMPUTER CORP DEFINED 2000
COMVERSE TECHNOLOGY INC SOLE 8970
CONAGRA, INC. SOLE 33300
CONAGRA, INC. OTHER 3400
CONAGRA, INC. DEF/OTH 300
CONVERGYS CORP SOLE 12592
CONVERGYS CORP DEFINED 500
CONVERGYS CORP OTHER 25588
CONVERGYS CORP DEF/OTH 300
COUNTRYWIDE OTHER 11876
COX RADIO INC-CL A SOLE 10000
CRESCENT REAL ESTATE EQUITIES SOLE 25000
DEERE & CO. SOLE 3026
DEERE & CO. OTHER 2400
DELL COMPUTER CORP SOLE 227396
DELL COMPUTER CORP SOLE 33928
DELL COMPUTER CORP DEFINED 400
DELL COMPUTER CORP DEFINED 288
DELL COMPUTER CORP OTHER 680
DELL COMPUTER CORP DEF/OTH 575
DELL COMPUTER CORP DEF/OTH 600
DIGEX INC SOLE 17000
DIGI INTL INC SOLE 10000
DISNEY WALT CO SOLE 29506
DISNEY WALT CO SOLE 26650
DOW CHEM CO SOLE 461
DOW CHEM CO DEFINED 1500
DOW CHEM CO OTHER 450
DOW CHEM CO DEF/OTH 500
DU PONT E I DE NEMOURS & CO SOLE 22462
DU PONT E I DE NEMOURS & CO OTHER 6600
DU PONT E I DE NEMOURS & CO DEF/OTH 2600
EMC CORPORATION SOLE 143503
EMC CORPORATION SOLE 15672
EMC CORPORATION DEFINED 450
EMC CORPORATION DEFINED 506
EMC CORPORATION OTHER 1276
EMC CORPORATION DEF/OTH 300
EMC CORPORATION DEF/OTH 250
EATON VANCE CORP SOLE 10000
EBAY INC SOLE 20571
EBAY INC SOLE 3055
EBAY INC DEFINED 60
EBAY INC DEF/OTH 30
EXODUS COMMUNICATIONS INC SOLE 65661
EXODUS COMMUNICATIONS INC SOLE 20042
EXODUS COMMUNICATIONS INC DEF/OTH 280
EXPEDITORS INTL WASH INC SOLE 6000
EXXON MOBIL CORPORATION SOLE 70244
EXXON MOBIL CORPORATION SOLE 16262
EXXON MOBIL CORPORATION DEFINED 9357
EXXON MOBIL CORPORATION DEFINED 196
EXXON MOBIL CORPORATION OTHER 11174
EXXON MOBIL CORPORATION DEF/OTH 3272
EXXON MOBIL CORPORATION DEF/OTH 832
FANNIE MAE SOLE 76604
FANNIE MAE SOLE 15423
FANNIE MAE DEFINED 150
FANNIE MAE DEFINED 242
FANNIE MAE DEF/OTH 450
FEDERATED SOLE 18994
FEDERATED SOLE 120306
FEDERATED SOLE 6206
FEDERATED DEFINED 40600
FEDERATED OTHER 36737
FEDERATED DEF/OTH 8220
FEDERATED SOLE 44116
FEDERATED SOLE 98
FEDERATED SOLE 25038
FEDERATED SOLE 2476
FIFTH THIRD BANCORP SOLE 17231
FIFTH THIRD BANCORP DEFINED 15565
FIFTH THIRD BANCORP DEFINED 281
FIFTH THIRD BANCORP OTHER 38462
FILENET CORP SOLE 20000
FIRST UNION CORP SOLE 5250
FIRST UNION CORP SOLE 26100
FIRST UNION CORP DEFINED 3300
FIRSTAR CORP SOLE 59049
FIRSTAR CORP SOLE 21283
FIRSTAR CORP DEFINED 78740
FIRSTAR CORP OTHER 900
FORD MOTOR CO SOLE 38385
FORD MOTOR CO SOLE 10150
FORD MOTOR CO OTHER 3634
FRANKLIN SOLE 10264
FREEMARKETS INC SOLE 1400
FREEMARKETS INC SOLE 180
GTE CORP SOLE 1824
GTE CORP SOLE 14345
GANNETT INC SOLE 18277
GANNETT INC DEFINED 800
GANNETT INC OTHER 3200
GANNETT INC DEF/OTH 1600
GAP INC SOLE 84920
GAP INC SOLE 20199
GAP INC DEFINED 280
GAP INC DEFINED 644
GAP INC OTHER 139
GAP INC DEF/OTH 393
GAP INC DEF/OTH 337
GATEWAY SOLE 18664
GENERAL ELECTRIC CO SOLE 125246
GENERAL ELECTRIC CO SOLE 18586
GENERAL ELECTRIC CO DEFINED 4549
GENERAL ELECTRIC CO DEFINED 184
GENERAL ELECTRIC CO OTHER 10662
GENERAL ELECTRIC CO DEF/OTH 6500
GENERAL ELECTRIC CO DEF/OTH 400
GENERAL MOTORS CORP. SOLE 2337
GENERAL MOTORS CORP. SOLE 5250
GENERAL MOTORS CORP. DEFINED 400
GENERAL MOTORS CORP. OTHER 1000
GEMTEX CORP SOLE 20000
GILLETTE CO SOLE 33947
GILLETTE CO DEFINED 1200
GILLETTE CO DEFINED 253
GILLETTE CO OTHER 3200
H J HEINZ CO. SOLE 6175
H J HEINZ CO. SOLE 9700
H J HEINZ CO. DEFINED 800
HEWLETT PACKARD CO SOLE 34744
HEWLETT PACKARD CO SOLE 8400
HOME DEPOT INC SOLE 163276
HOME DEPOT INC SOLE 8926
HOME DEPOT INC DEFINED 405
HOME DEPOT INC DEFINED 725
HOME DEPOT INC OTHER 731
HOME DEPOT INC DEF/OTH 180
HOME DEPOT INC DEF/OTH 323
INTEL CORP SOLE 143649
INTEL CORP SOLE 15061
INTEL CORP DEFINED 4380
INTEL CORP OTHER 1210
INTEL CORP DEF/OTH 1650
IBM CORP SOLE 22563
IBM CORP SOLE 6200
IBM CORP DEFINED 1800
IBM CORP OTHER 2200
IBM CORP DEF/OTH 2912
FEDERATED SOLE 85109
FEDERATED SOLE 1349
INTERNET CAPITAL GROUP INC SOLE 4000
INTERNET CAPITAL GROUP INC SOLE 100
INTIMATE BRANDS SOLE 10650
I 2 TECHNOLOGIES INC. SOLE 10000
JDS UNIPHASE CORP SOLE 8180
JDS UNIPHASE CORP SOLE 780
JOHNSON & JOHNSON SOLE 64701
JOHNSON & JOHNSON SOLE 7885
JOHNSON & JOHNSON DEFINED 218
JOHNSON & JOHNSON OTHER 3245
KIMBERLY CLARK SOLE 19403
KIMBERLY CLARK DEFINED 12544
KIMBERLY CLARK OTHER 1248
LCA-VISION INC SOLE 10000
LCA-VISION INC SOLE 200
LG&E ENERGY CORP SOLE 8910
LG&E ENERGY CORP DEFINED 900
LG&E ENERGY CORP OTHER 6300
LG&E ENERGY CORP DEF/OTH 2100
LEGG MASON INC SOLE 10000
ELI LILLY & CO SOLE 26936
ELI LILLY & CO SOLE 1327
ELI LILLY & CO OTHER 462
ELI LILLY & CO DEF/OTH 150
LINCOLN NATL CORP SOLE 4400
LINCOLN NATL CORP DEFINED 1200
LINCOLN NATL CORP OTHER 1462
LINCOLN NATL CORP DEF/OTH 800
LUCENT TECHNOLOGIES INC SOLE 98236
LUCENT TECHNOLOGIES INC SOLE 17399
LUCENT TECHNOLOGIES INC DEFINED 3250
LUCENT TECHNOLOGIES INC DEFINED 598
LUCENT TECHNOLOGIES INC OTHER 2902
LUCENT TECHNOLOGIES INC DEF/OTH 256
LUCENT TECHNOLOGIES INC DEF/OTH 608
MCI WORLDCOM INC SOLE 150082
MCI WORLDCOM INC SOLE 39545
MCI WORLDCOM INC DEF/OTH 143
MCI WORLDCOM INC DEF/OTH 291
MRV COMMUNICATIONS INC SOLE 10000
MAKER COMMUNICATIONS INC SOLE 5000
MARSH & MCLENNAN COS. INC. SOLE 18984
MARSH & MCLENNAN COS. INC. DEF/OTH 1200
MCDONALDS CORP SOLE 3628
MCDONALDS CORP OTHER 1600
MCDONALDS CORP DEF/OTH 1600
MEDIMMUNE SOLE 11300
MELLON FINANCIAL CROP SOLE 10302
MELLON FINANCIAL CROP SOLE 1700
MERCK & CO INC SOLE 97403
MERCK & CO INC SOLE 3637
MERCK & CO INC DEFINED 2000
MERCK & CO INC OTHER 2960
MERCK & CO INC DEF/OTH 360
MERCK & CO INC DEF/OTH 150
MERRILL LYNCH & CO SOLE 2175
MERRILL LYNCH & CO SOLE 11000
MICROSOFT CORP SOLE 171280
MICROSOFT CORP SOLE 26474
MICROSOFT CORP DEFINED 1865
MICROSOFT CORP DEFINED 345
MICROSOFT CORP OTHER 7370
MICROSOFT CORP DEF/OTH 220
MICROSOFT CORP DEF/OTH 360
MINNESOTA MINING & MFG CO SOLE 10289
MINNESOTA MINING & MFG CO SOLE 7125
MINNESOTA MINING & MFG CO OTHER 5000
MINNESOTA MINING & MFG CO DEF/OTH 800
MOHAWK IND INC SOLE 8000
MONSANTO CO SOLE 3200
MONSANTO CO SOLE 11000
MONSANTO CO DEFINED 1000
MONSANTO CO SOLE 900
MONSANTO CO SOLE 8100
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
MOTOROLA INC SOLE 10000
MOTOROLA INC OTHER 1600
MOTOROLA INC DEF/OTH 200
NTL INCORPORATED SOLE 2500
NATIONAL CITY CORP SOLE 35596
NATIONAL CITY CORP OTHER 200
NATL COMMERCE BANCORP SOLE 16500
NATL COMMERCE BANCORP SOLE 1800
NETSILICON INC SOLE 90500
NETSILICON INC SOLE 6000
NETSILICON INC DEFINED 3800
NETWORK SOLUTIONS INC-CL-A SOLE 13680
NETWORK SOLUTIONS INC-CL-A SOLE 2610
NOKIA CORP ADR SOLE 12161
NOKIA CORP ADR SOLE 1570
NORFOLK SOUTHN CORP DEFINED 5130
NORFOLK SOUTHN CORP DEF/OTH 11517
NORTEL NETWORKS CORP SOLE 850
NORTEL NETWORKS CORP SOLE 13125
NORTEL NETWORKS CORP DEFINED 1750
NOVELLUS SYSTEMS SOLE 4000
ORACLE CORP SOLE 3070
ORACLE CORP SOLE 125
O'REILLY AUTOMOTIVE INC. SOLE 14000
PNC BANK CORP SOLE 5972
PNC BANK CORP DEFINED 8800
PNC BANK CORP DEF/OTH 3798
PNV INC SOLE 16500
AMERICAN PREMIER UNDERWRITERS DEFINED 3100000
PEPSICO INC SOLE 25600
PEPSICO INC DEFINED 7000
PEPSICO INC DEF/OTH 2025
PFIZER INC SOLE 180553
PFIZER INC SOLE 27100
PFIZER INC DEFINED 8775
PFIZER INC DEFINED 448
PFIZER INC OTHER 11211
PFIZER INC DEF/OTH 270
PFIZER INC DEF/OTH 255
PHILIP MORRIS CO. INC. SOLE 2400
PHILIP MORRIS CO. INC. SOLE 2230
PHILIP MORRIS CO. INC. DEFINED 675
PHILIP MORRIS CO. INC. OTHER 4800
PHILIP MORRIS CO. INC. DEF/OTH 11339
PIEDMONT NATURAL GAS CO SOLE 4325
PIEDMONT NATURAL GAS CO SOLE 16000
PIEDMONT NATURAL GAS CO DEFINED 1900
PITNEY-BOWES, INC. SOLE 8118
PITNEY-BOWES, INC. SOLE 125
PLEXUS CORP SOLE 15000
PROCTER & GAMBLE CO. SOLE 136706
PROCTER & GAMBLE CO. SOLE 10353
PROCTER & GAMBLE CO. DEFINED 3381
PROCTER & GAMBLE CO. OTHER 50716
PROCTER & GAMBLE CO. DEF/OTH 2100
PROVIDENT FINANCIAL GROUP INC SOLE 433803
PROVIDENT FINANCIAL GROUP INC SOLE 17275
PROVIDENT FINANCIAL GROUP INC OTHER 450
PROVIDIAN FINANCIAL CORP OTHER 3000
PROVIDIAN FINANCIAL CORP DEF/OTH 1800
PUTNAM SOLE 19534
PUTNAM SOLE 24529
QUALCOMM INC SOLE 1600
QWEST COMMUNICATIONS INTL SOLE 14400
QWEST COMMUNICATIONS INTL SOLE 800
REALNETWORKS INC SOLE 5200
RIVERFRONT SOLE 1314176
RIVERFRONT SOLE 19855
RIVERFRONT DEFINED 57120
RIVERFRONT OTHER 53575
RIVERFRONT DEF/OTH 54739
RIVERFRONT SOLE 32042
RIVERFRONT SOLE 2007
RIVERFRONT OTHER 1973
RIVERFRONT SOLE 32268
RIVERFRONT SOLE 2444
RIVERFRONT DEFINED 10059
RIVERFRONT SOLE 3097109
RIVERFRONT SOLE 63780
RIVERFRONT DEFINED 56566
RIVERFRONT OTHER 209643
RIVERFRONT DEF/OTH 153038
RIVERFRONT SOLE 221657
RIVERFRONT SOLE 8637
T. ROWE PRICE SOLE 18116
ROYAL DUTCH PETROLEUM CO SOLE 14500
ROYAL DUTCH PETROLEUM CO SOLE 8000
SBC COMMUNICATIONS SOLE 65863
SBC COMMUNICATIONS DEFINED 3363
SBC COMMUNICATIONS OTHER 20518
SBC COMMUNICATIONS DEF/OTH 3158
SEI INVESTMENTS COMPANY SOLE 5300
SANMINA CORPORATION SOLE 11500
SCANA CORP SOLE 5000
SCANA CORP DEFINED 2500
SCHERING-PLOUGH CORP SOLE 64223
SCHERING-PLOUGH CORP SOLE 5686
SCHERING-PLOUGH CORP DEFINED 200
SCHERING-PLOUGH CORP OTHER 882
SCHLUMBERGER LTD SOLE 7160
SCHLUMBERGER LTD SOLE 5325
SCHLUMBERGER LTD DEF/OTH 200
SCHWAB (CHARLES) CORP SOLE 149640
SCHWAB (CHARLES) CORP SOLE 11215
SCHWAB (CHARLES) CORP DEFINED 1950
SCHWAB (CHARLES) CORP OTHER 106
SCHWAB (CHARLES) CORP DEF/OTH 430
SILICON IMAGE INC SOLE 7500
SMITHKLINE BEECHAM SOLE 2400
SMITHKLINE BEECHAM DEFINED 3200
SOLECTRON CORP SOLE 8000
SONY CORP SOLE 1035
SPORTSLINE.COM, INC. SOLE 8000
SPRINT CORP SOLE 400
SPRINT CORP SOLE 2110
SPRINT CORP DEF/OTH 2134
STAPLES INC. SOLE 213227
STAPLES INC. SOLE 38580
STAPLES INC. DEFINED 562
STAPLES INC. DEFINED 1012
STAPLES INC. OTHER 1012
STAPLES INC. DEF/OTH 450
STATE STREET CORP SOLE 4878
STATE STREET CORP SOLE 6550
SUMMIT BANCORP SOLE 16000
SUN MICROSYSTEMS INC SOLE 16540
SUN MICROSYSTEMS INC SOLE 3800
TEMPLE INLAND INC. SOLE 3500
TEXACO INC SOLE 15571
TEXACO INC SOLE 10160
TEXACO INC DEFINED 1000
TEXACO INC OTHER 8050
TEXACO INC DEF/OTH 2400
TEXAS INSTRUMENTS INC SOLE 37865
TEXAS INSTRUMENTS INC SOLE 11279
TEXAS INSTRUMENTS INC DEFINED 250
TEXAS INSTRUMENTS INC DEF/OTH 110
TIME WARNER INC SOLE 85636
TIME WARNER INC SOLE 16419
TIME WARNER INC DEF/OTH 100
TUT SYSTEMS INC SOLE 15000
TYCO INTERNATIONAL LTD SOLE 215350
TYCO INTERNATIONAL LTD SOLE 12211
TYCO INTERNATIONAL LTD DEFINED 1300
TYCO INTERNATIONAL LTD DEFINED 276
TYCO INTERNATIONAL LTD OTHER 826
TYCO INTERNATIONAL LTD DEF/OTH 400
UNITED PARCEL SERVICE-CL B SOLE 15375
UNITED PARCEL SERVICE-CL B SOLE 575
UNITED PARCEL SERVICE-CL B DEFINED 150
VANGUARD SOLE 321224
VANGUARD OTHER 19417
VANGUARD DEF/OTH 70797
VITESSE SEMICONDUCTOR CORP SOLE 24200
VITRIA TECHNOLOGY INC SOLE 1900
VODAFONE AIRTOUCH PLC SOLE 7630
VODAFONE AIRTOUCH PLC DEFINED 1000
VODAFONE AIRTOUCH PLC OTHER 1500
WAL-MART STORES INC SOLE 182629
WAL-MART STORES INC SOLE 18810
WAL-MART STORES INC DEFINED 500
WAL-MART STORES INC DEFINED 644
WAL-MART STORES INC OTHER 3032
WAL-MART STORES INC DEF/OTH 550
WAL-MART STORES INC DEF/OTH 700
WALGREEN CO SOLE 182847
WALGREEN CO SOLE 9079
WALGREEN CO DEFINED 874
WALGREEN CO OTHER 176
WALGREEN CO DEF/OTH 440
WARNER LAMBERT CO SOLE 70632
WARNER LAMBERT CO SOLE 12553
WARNER LAMBERT CO DEFINED 130
WARNER LAMBERT CO OTHER 480
WARNER LAMBERT CO DEF/OTH 137
WELLS FARGO COMPANY SOLE 6134
WELLS FARGO COMPANY DEFINED 4000
WELLS FARGO COMPANY OTHER 4000
WELLS FARGO COMPANY DEF/OTH 3450
WHITTMAN-HART INC. SOLE 6000
WILLAMETTE IND INC SOLE 5000
WILLIAMS COMMUNICATIONS GRP SOLE 14000
XEROX CORP SOLE 1750
XEROX CORP SOLE 27800
XEROX CORP DEFINED 5000
YAHOO! INC. SOLE 3590
YAHOO! INC. SOLE 540
LERNOUT & HAUSPIE SPEECH PRO SOLE 8000
GLOBAL CROSSING LTD. SOLE 12550
GLOBAL CROSSING LTD. SOLE 550
JACADA LTD SOLE 10000
JACADA LTD SOLE 1000
BIOMEDICAL DISPOSAL, INC. SOLE 40000
</TABLE>
