SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 11-K
(Mark One)
(X) ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934
(FEE REQUIRED)
For the fiscal year ended December 31, 1998
OR
( ) TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934
(NO FEE REQUIRED)
For the transition period from ________ to ________
Commission file number 61-0156617
A. Full title of the plan and the address of the plan, if
different from that of the issuer named below:
Trans Financial, Inc.
Savings Investment Plan
C/O Firstar Corporation
Human Resources Department
425 Walnut Street M.L. 2020
Cincinnati, OH 45202
B. Name of issuer of the securities held pursuant to the
plan and the address of its principal executive office:
Firstar Corporation
425 Walnut Street
Cincinnati, OH 45202
____________________________________________________________________
REQUIRED INFORMATION
Financial Statements - Reference is made to the financial statements
of the Plan submitted under Form SE.
Exhibit 23 - Consent of Independent Auditors
____________________________________________________________________
SIGNATURES
The Plan. Pursuant to the requirements of the Securities Exchange Act
of 1934, the plan administrator has duly caused this annual report to
be signed on its behalf by the undersigned hereunto duly authorized.
TRANS FINANCIAL INC.
SAVINGS INVESTMENT PLAN
___________________________________________
Ken Hull
Vice President
July 16, 1999
Consent of Independent Auditors
The Board of Directors
Firstar Corporation, as successor
to Trans Financial, Inc.:
We consent to the incorporation by reference in the Registration
Statement No. 33-53960 on Form S-8 of our report dated July 12, 1999,
relating to the statements of net assets available for benefits of
the Trans Financial, Inc. Savings Investment Plan as of December 31,
1998 and 1997 and the related statements of changes in net assets
available for the benefits for the years then ended, which report
appears in the December 31, 1998 Annual Report on Form 11-K of the
Trans Financial, Inc. Savings Investment Plan.
KPMG LLP
Louisville, Kentucky
July 20, 1999
