TERRE HAUTE FIRST NATIONAL BANK
13F-HR, 2000-02-08
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                              UNITED STATES
                  SECURITIES AND EXCHANGE COMMISSION
                          Washington, DC 20549

                                Form 13F

                          Form 13F COVER PAGE

Report for the Calendar Year or Quarter Ended : December 31, 1999

Check here if Amendment [ ]; Amendment Number:
This Amendment (Check only one):   [ ] is a restatement
                                   [ ] adds new holdings entries

Institutional Investment Manager Filing This Report:

Name:    Robert Edwards
         Terre Haute First National Bank
         One First Financial Plaza
         Terre Haute, IN 47807

Form 13F File Number: 28-7452

The institutional investment manager filing this report and the
person by whom it is signed herebyb 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 integral parts of this form.

Person Signing this Report on Behalf of Reporting Manager:

Name:            David A.  Wuellner
Title:           Trust Operations Officer
Phone:           812-238-6216

Signature, Place and Date of Signing:

                                  Terre Haute, IN           February 8, 2000
Signature                         City, State               Date

Report Type: (Check only one):

[X] 13F HOLDINGS REPORT.  (Check here if all holdings of this
       reporting manager are reported in this report)

[ ] 13F NOTICE.  (Check here if no holdings reported are in this
     Report, and all holdings are reported by other reporting managers).

[ ] 13F COMBINATION REPORT.  (Check here if a portion of the
     holdings for this reporting manager are reported in this report
     and a portion are reported by other reporting managers).
<PAGE>
                          Form 13F SUMMARY PAGE

Report Summary:

Number of Other Included Managers:                                  0

Form 13F Information Table Entry Total:                           478

Form 13F Information Table Value Total:                      $ 127,356
                                                            (Thousands)
List of Other Included Managers:

Provide a numbered list of the name(s) and Form 13F file number(s)
of all institutional investment managers with respect to which this
report is filed, other than the manager filing this report.

         NONE

<PAGE>

<TABLE>                        <C>                                             <C>
                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

DAIMLER-CHRYSLER AG                             D1668R123       26      339 SH       SOLE                      339        0        0
TRANSOCEAN OFFSHORE INC     CAYMAN ISLANDS      G90076103       22      700 SH       SOLE                      700        0        0
ACM GOVERNMENT INCOME FUND                      000912105        9     1500 SH       SOLE                     1500        0        0
AGL RESOURCES INC                               001204106       10      600 SH       DEFINED                   600        0        0
AT&T CORP                   COM                 001957109     1384    27246 SH       SOLE                    27246        0        0
AT&T CORP                   COM                 001957109      972    19134 SH       DEFINED                 16884     2250        0
ABBOTT LABS                 COM                 002824100       61     1700 SH       SOLE                     1700        0        0
ABBOTT LABS                 COM                 002824100      152     4200 SH       DEFINED                  4200        0        0
ABERCROMBIE & FITCH CO CL A                     002896207       13      500 SH       SOLE                      500        0        0
ACTION PERFORMANCE COMPANY                      004933107        2      200 SH       DEFINED                   200        0        0
ADOBE SYSTEMS INC                               00724F101        6      100 SH       SOLE                      100        0        0
AETNA INCORPORATED                              008117103        7      141 SH       SOLE                      141        0        0
AIR PRODUCTS &              CHEMICAL INC        009158106       10      320 SH       SOLE                      320        0        0
AIR PRODUCTS &              CHEMICAL INC        009158106       10      300 SH       DEFINED                   300        0        0
AIRBOURNE FREIGHT CORP                          009266107      158     6000 SH       SOLE                     6000        0        0
ALBERTSON'S INC                                 013104104       37     1160 SH       SOLE                     1160        0        0
ALBERTSON'S INC                                 013104104       25      800 SH       DEFINED                   800        0        0
ALCOA INC                                       013817101      173     2090 SH       SOLE                     2090        0        0
ALCOA INC                                       013817101       49      600 SH       DEFINED                   600        0        0
ALLIANT CORP                                    018802108       20      758 SH       SOLE                      758        0        0
ALLIED WASTE INDS INC       COM PAR$.01NEW      019589308       13     1500 SH       DEFINED                  1500        0        0
THE ALLSTATE CORPORATION                        020002101       18      755 SH       SOLE                      755        0        0
THE ALLSTATE CORPORATION                        020002101       23      962 SH       DEFINED                   962        0        0
AMEREN CORP COM                                 023608102       48     1494 SH       SOLE                     1494        0        0
AMEREN CORP COM                                 023608102       30      931 SH       DEFINED                   931        0        0
AMERICA ONLINE INC                              02364J104      644     8500 SH       SOLE                     8500        0        0
AMERICAN ELEC PWR INC       COM                 025537101       13      428 SH       SOLE                      428        0        0
AMERICAN ELEC PWR INC       COM                 025537101       24      771 SH       DEFINED                   771        0        0
AMERICAN EXPRESS CO         COM                 025816109       33      200 SH       DEFINED                   200        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

AMERICAN FREIGHTWAYS CORP                       02629V108        4      250 SH       DEFINED                   250        0        0
AMERICAN GENERAL CORP       COM                 026351106      124     1636 SH       DEFINED                  1636        0        0
AMERICAN HOME PRODS CORP    COM                 026609107      857    21836 SH       SOLE                    21836        0        0
AMERICAN HOME PRODS CORP    COM                 026609107      278     7100 SH       DEFINED                  7100        0        0
AMERICAN INTERNATIONAL       GROUP INC          026874107      101      937 SH       SOLE                      937        0        0
AMERICAN INTERNATIONAL       GROUP INC          026874107      251     2330 SH       DEFINED                  2330        0        0
AMERICAN WTR WKS INC        COM                 030411102        7      360 SH       SOLE                      360        0        0
AMGEN INC                   COM                 031162100      222     3710 SH       SOLE                     3710        0        0
AMGEN INC                   COM                 031162100      240     4000 SH       DEFINED                  4000        0        0
A O N CORPORATION                               037389103        4      112 SH       SOLE                      112        0        0
APOLLO GROUP INCORPORATED                       037604105        8      400 SH       SOLE                      400        0        0
ASCENT ENTMT GROUP INC      COM                 043628106        1      127 SH       SOLE                      127        0        0
ASSOCIATES FIRST CAP CORP   CL A                046008108        5      200 SH       SOLE                      200        0        0
ASSOCIATES FIRST CAP CORP   CL A                046008108       28     1048 SH       DEFINED                  1048        0        0
ATLANTIC RICHFIELD CO       COM                 048825103       43      500 SH       SOLE                      500        0        0
ATLANTIC RICHFIELD CO       COM                 048825103       38      450 SH       DEFINED                   450        0        0
AUTOMATIC DATA PROCESSING INCOM                 053015103      280     5200 SH       SOLE                     5200        0        0
BP AMOCO PLC SPONSORED ADR                      055622104     3792    63946 SH       SOLE                    63946        0        0
BP AMOCO PLC SPONSORED ADR                      055622104     8386   141402 SH       DEFINED                138432     2970        0
BRE PROPERTIES INC CL A                         05564E106       31     1400 SH       DEFINED                  1400        0        0
BAKER HUGHES INC            COM                 057224107        4      204 SH       SOLE                      204        0        0
BANDAG INC                  COM                 059815100        2      100 SH       SOLE                      100        0        0
BANDAG INC CLASS - A                            059815308        2      100 SH       SOLE                      100        0        0
BANK OF AMERICA CORP                            060505104       71     1434 SH       SOLE                     1434        0        0
BANK OF AMERICA CORP                            060505104      188     3752 SH       DEFINED                  3752        0        0
BANK ONE CORP                                   06423A103      443    13864 SH       SOLE                    13864        0        0
BANK ONE CORP                                   06423A103      463    14484 SH       DEFINED                 11944     2540        0
BARNES GROUP INCORPORATED                       067806109        4      300 SH       SOLE                      300        0        0
BARRICK GOLD CORP                               067901108        5      300 SH       SOLE                      300        0        0
BAXTER INTL INC             COM                 071813109       81     1300 SH       SOLE                     1300        0        0
BAXTER INTL INC             COM                 071813109      131     2100 SH       DEFINED                  2100        0        0
BEAR STEARNS CO                                 073902108      327     7665 SH       SOLE                     7665        0        0
BELL ATLANTIC CORP          COM                 077853109       66     1083 SH       SOLE                     1083        0        0
BELL ATLANTIC CORP          COM                 077853109       52      858 SH       DEFINED                   858        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

BELLSOUTH CORP              COM                 079860102      259     5534 SH       SOLE                     5534        0        0
BELLSOUTH CORP              COM                 079860102      308     6600 SH       DEFINED                  6600        0        0
BEMIS INC                   COM                 081437105        2       60 SH       DEFINED                    60        0        0
BERKSHIRE HATHAWAY INC                          084670108      224        4 SH       DEFINED                     4        0        0
BERKSHIRE HATHAWAY CL B                         084670207        5        3 SH       SOLE                        3        0        0
BEST FOODS                                      08658U101      367     7000 SH       SOLE                     7000        0        0
BEST FOODS                                      08658U101      105     2000 SH       DEFINED                     0     2000        0
BIOMET INC                  COM                 090613100        8      200 SH       SOLE                      200        0        0
BIOMET INC                  COM                 090613100        4      100 SH       DEFINED                   100        0        0
BLACK & DECKER                                  091797100      368     7050 SH       SOLE                     7050        0        0
BOEING CO                   COM                 097023105       36      872 SH       DEFINED                   872        0        0
BOSTON SCIENTIFIC CORP                          101137107       29     1366 SH       SOLE                     1366        0        0
BRADLEY REAL ESTATE INC.                        104580105       34     2000 SH       SOLE                     2000        0        0
BRISTOL-MYERS SQUIBB CO                         110122108      359     5605 SH       SOLE                     5605        0        0
BRISTOL-MYERS SQUIBB CO                         110122108      564     8800 SH       DEFINED                  8800        0        0
BURLINGTON NORTHERN SANTA FE                    12189T104       32     1353 SH       DEFINED                  1353        0        0
BURLINGTON RES INC          COM                 122014103      132     4000 SH       SOLE                     4000        0        0
BURLINGTON RES INC          COM                 122014103       13      418 SH       DEFINED                   418        0        0
CBS CORPORATION                                 12490K107       19      300 SH       SOLE                      300        0        0
CBS CORPORATION                                 12490K107       51      800 SH       DEFINED                   800        0        0
CH ENERGY GROUP INC                             12541M102       16      500 SH       SOLE                      500        0        0
CH ENERGY GROUP INC                             12541M102       19      600 SH       DEFINED                   600        0        0
CIGNA CORP                  COM                 125509109       70      879 SH       DEFINED                   879        0        0
 CMG INFORMATION SVCS                           125750109      110      400 SH       SOLE                      400        0        0
 CMG INFORMATION SVCS                           125750109     1107     4000 SH       DEFINED                  4000        0        0
CSX CORP                    COM                 126408103        4      134 SH       SOLE                      134        0        0
CSX CORP                    COM                 126408103       31     1000 SH       DEFINED                  1000        0        0
CVS CORP COM                                    126650100       12      320 SH       SOLE                      320        0        0
CVS CORP COM                                    126650100      215     5408 SH       DEFINED                  5408        0        0
CAMDEN PROPERTY TRUST                           133131102       11      400 SH       SOLE                      400        0        0
CAMPBELL SOUP CO            COM                 134429109      166     4300 SH       SOLE                     4300        0        0
CAPSTEAD MTGE SER B                             14067E308        1      200 SH       SOLE                      200        0        0
CARDINAL HEALTH INC                             14149Y108      455     9525 SH       SOLE                     9525        0        0
CARDINAL HEALTH INC                             14149Y108       24      522 SH       DEFINED                   522        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

CAREMARK RX INC                                 141705103        0      151 SH       DEFINED                   151        0        0
CATELLUS DEVELOPEMENT CORP                      149111106        0       70 SH       DEFINED                    70        0        0
CATERPILLAR INC DEL         COM                 149123101       47     1000 SH       DEFINED                     0     1000        0
CELTRIX PHARMACEUTICALS, INC COM                151186103        1      375 SH       DEFINED                   375        0        0
CENTRAL & SOUTH WEST CORP   COM                 152357109       13      690 SH       SOLE                      690        0        0
CENTRAL & SOUTH WEST CORP   COM                 152357109       20     1030 SH       DEFINED                  1030        0        0
CHAMPION INTL CORP          COM                 158525105        4       71 SH       SOLE                       71        0        0
CHAMPION INTL CORP          COM                 158525105       12      200 SH       DEFINED                   200        0        0
CHASE MANHATTAN CORP NEW COM                    16161A108       37      481 SH       SOLE                      481        0        0
CHASE MANHATTAN CORP NEW COM                    16161A108      113     1456 SH       DEFINED                   416     1040        0
CHEVRON CORPORATION         COM                 166751107       87     1008 SH       SOLE                     1008        0        0
CHEVRON CORPORATION         COM                 166751107      310     3590 SH       DEFINED                  2440     1150        0
CHIRON CORPORATION                              170040109       31      740 SH       SOLE                      740        0        0
CINERGY CORP                COM                 172474108      224     9372 SH       SOLE                     9372        0        0
CINERGY CORP                COM                 172474108       66     2792 SH       DEFINED                   792     2000        0
CIRCLE INCOME SHS INC       COM                 172572109       22     2500 SH       SOLE                     2500        0        0
CISCO SYSTEMS INC                               17275R102     2291    21396 SH       SOLE                    21396        0        0
CISCO SYSTEMS INC                               17275R102      719     6720 SH       DEFINED                  6720        0        0
CITIGROUP INC COM                               172967101       69     1250 SH       SOLE                     1250        0        0
CITIGROUP INC COM                               172967101      114     2053 SH       DEFINED                  2053        0        0
CLEAR CHANNEL COMMUNICATIONSCOM                 184502102        8      100 SH       SOLE                      100        0        0
COASTAL CORP                COM                 190441105       26      740 SH       DEFINED                   740        0        0
COCA COLA CO                COM                 191216100      493     8474 SH       SOLE                     8474        0        0
COCA COLA CO                COM                 191216100      379     6520 SH       DEFINED                  4520     2000        0
COHESION TECHNOLOGIES INC                       19248N101       13     1500 SH       DEFINED                  1500        0        0
COLGATE-PALMOLIVE CO                            194162103       54      840 SH       SOLE                      840        0        0
COLGATE-PALMOLIVE CO                            194162103       26      400 SH       DEFINED                   400        0        0
COLUMBIA/HCA HEALTHCARE CORPCOM                 197677107       38     1300 SH       SOLE                     1300        0        0
COLUMBIA/HCA HEALTHCARE CORPCOM                 197677107       99     3396 SH       DEFINED                  3396        0        0
COMPAQ COMPUTER                                 204493100      169     6250 SH       SOLE                     6250        0        0
COMPAQ COMPUTER                                 204493100      405    15000 SH       DEFINED                 15000        0        0
COMPUTER SCIENCES CORP                          205363104      180     1910 SH       SOLE                     1910        0        0
COMPUTER SCIENCES CORP                          205363104       18      200 SH       DEFINED                   200        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

COMSAT CORPORATION                              20564D107        1       60 SH       SOLE                       60        0        0
CONAGRA INC                                     205887102       22     1000 SH       SOLE                     1000        0        0
CONECTIV INC                                    206829103       20     1200 SH       SOLE                     1200        0        0
CONOCO CL B                                     208251405        6      245 SH       SOLE                      245        0        0
CONOCO CL B                                     208251405        9      369 SH       DEFINED                   369        0        0
CONSECO INC                                     208464107       16      900 SH       SOLE                      900        0        0
CONSOLIDATED EDISON INC COM                     209115104        6      200 SH       SOLE                      200        0        0
CONSOLIDATED NAT GAS CO     COM                 209615103       32      500 SH       SOLE                      500        0        0
CONSOLIDATED STORES CORP                        210149100        4      300 SH       SOLE                      300        0        0
DPL INC                     COM                 233293109       23     1350 SH       SOLE                     1350        0        0
DPL INC                     COM                 233293109       13      788 SH       DEFINED                   788        0        0
DANA CORPORATION                                235811106       10      350 SH       DEFINED                   350        0        0
DANAHER CORPORATION                             235851102       41      850 SH       SOLE                      850        0        0
DEERE & COMPANY                                 244199105       11      265 SH       SOLE                      265        0        0
DEERE & COMPANY                                 244199105       20      465 SH       DEFINED                   465        0        0
DELL COMPUTER                                   247025109      438     8600 SH       SOLE                     8600        0        0
DELL COMPUTER                                   247025109        4       80 SH       DEFINED                    80        0        0
DELPHI AUTOMOTIVE SYSTEMS                       247126105       19     1242 SH       SOLE                     1242        0        0
DELPHI AUTOMOTIVE SYSTEMS                       247126105        2      139 SH       DEFINED                   139        0        0
DELUXE CORP                 COM                 248019101        4      175 SH       SOLE                      175        0        0
DIAL CORPORATION (NEW)                          25247D101       30     1248 SH       DEFINED                  1248        0        0
DIEBOLD INC                                     253651103        2      100 SH       SOLE                      100        0        0
DISNEY WALT COMPANY         HOLDING CO          254687106      598    20450 SH       SOLE                    20450        0        0
DISNEY WALT COMPANY         HOLDING CO          254687106      304    10425 SH       DEFINED                 10425        0        0
DOMINION RES INC VA         COM                 257470104       19      500 SH       SOLE                      500        0        0
DOW CHEMICAL COMPANY        COM                 260543103      207     1550 SH       SOLE                     1550        0        0
DU PONT E I DE NEMOURS & CO COM                 263534109      264     4023 SH       SOLE                     4023        0        0
DU PONT E I DE NEMOURS & CO COM                 263534109      455     6915 SH       DEFINED                  6915        0        0
DUFF & PHELPS UTILITIES     INCOME, INC         264324104      197    23785 SH       SOLE                    23785        0        0
DUFF & PHELPS UTILITIES     INCOME, INC         264324104       12     1500 SH       DEFINED                  1500        0        0
DUKE POWER COMPANY COMMON                       264399106      243     4850 SH       SOLE                     4850        0        0
DUKE POWER COMPANY COMMON                       264399106       88     1758 SH       DEFINED                  1758        0        0
DUKE WEEKS REALTY CORP      COM NEW             264411505      175     9000 SH       SOLE                     9000        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

EEX CORP NEW                                    26842V207        0      123 SH       DEFINED                   123        0        0
EASTMAN CHEM CO             COM                 277432100       52     1108 SH       DEFINED                  1108        0        0
EASTMAN KODAK CO            COM                 277461109      482     7276 SH       DEFINED                  6276     1000        0
ECOLAB INC                                      278865100       19      500 SH       SOLE                      500        0        0
EDISON INTERNATIONAL                            281020107       18      704 SH       DEFINED                   704        0        0
A.G. EDWARDS INC                                281760108       15      480 SH       DEFINED                   480        0        0
EL PASO ENERGY CORP                             283905107        7      200 SH       DEFINED                   200        0        0
ELECTRONIC ARTS INC         COM                 285512109      100     1200 SH       SOLE                     1200        0        0
ELECTRONIC DATA SYSTEMS CORP                    285661104        9      136 SH       SOLE                      136        0        0
ELECTRONICS FOR IMAGING INC                     286082102       29      500 SH       SOLE                      500        0        0
EMERSON ELEC CO                                 291011104      126     2200 SH       SOLE                     2200        0        0
EMERSON ELEC CO                                 291011104       45      800 SH       DEFINED                   800        0        0
ENERGEN CORP                COM                 29265N108       56     3150 SH       DEFINED                  3150        0        0
ENGLEHARD CORPORATION                           292845104        9      505 SH       DEFINED                   505        0        0
ENRON CORP                                      293561106      193     4370 SH       SOLE                     4370        0        0
UTS EQUITY INCOME FUND 1ST  EXCHANGE SER AT&T   294700703      121      600 SH       SOLE                      600        0        0
EQUITY OFFICE PPTY TR                           294741103       12      500 SH       DEFINED                   500        0        0
EQUITY RESIDENTIAL PPTYS TR SH BEN INT          29476L107       27      637 SH       SOLE                      637        0        0
EQUITY RESIDENTIAL PPTYS TR SH BEN INT          29476L107       42     1000 SH       DEFINED                  1000        0        0
EXXON MOBIL CORP                                30231G102     2274    28236 SH       SOLE                    28236        0        0
EXXON MOBIL CORP                                30231G102     2428    30144 SH       DEFINED                 29144     1000        0
FPL GROUP INC               COM                 302571104      113     2650 SH       SOLE                     2650        0        0
FEDERAL HOME LN MTG CORP    COM                 313400301       18      400 SH       SOLE                      400        0        0
FEDERAL NATIONAL MTGE COM                       313586109      587     9405 SH       SOLE                     9405        0        0
FEDERAL NATIONAL MTGE COM                       313586109       49      800 SH       DEFINED                   800        0        0
FEDERAL REALTY INVESTMENT   TRUST               313747206       18     1000 SH       SOLE                     1000        0        0
FERRELLGAS PARTNERS LP                          315293100        5      400 SH       SOLE                      400        0        0
FIFTH THIRD BANCORP         COM                 316773100      309     4218 SH       SOLE                     4218        0        0
FIFTH THIRD BANCORP         COM                 316773100       62      853 SH       DEFINED                   853        0        0
FINOVA GROUP INC COM                            317928109       22      624 SH       DEFINED                   624        0        0
FIRST DATA CORP             COM                 319963104       48      980 SH       SOLE                      980        0        0
FIRST FINANCIAL CORPORATION                     320218100    25265   608797 SH       SOLE                   608797        0        0
FIRST FINANCIAL CORPORATION                     320218100     2281    54980 SH       DEFINED                 38479    16501        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

FIRST INDIANA CORPORATION                       32054R108       81     3746 SH       SOLE                     3746        0        0
FIRST TENN NATL CORP        COM                 337162101      136     4800 SH       DEFINED                  4800        0        0
FIRST UNION CORP                                337358105       53     1620 SH       DEFINED                  1620        0        0
FIRSTAR CORP WISC NEW                           33763V109       99     4704 SH       DEFINED                  4704        0        0
FIRSTENERGY CORPORATION                         337932107       16      737 SH       SOLE                      737        0        0
FIRSTENERGY CORPORATION                         337932107        4      200 SH       DEFINED                   200        0        0
FLEETBOSTON FINANCIAL CORP                      339030108      139     4000 SH       SOLE                     4000        0        0
FOOTSTAR INC                                    344912100       23      778 SH       DEFINED                   778        0        0
FORD MTR CO DEL             COM                 345370100       69     1300 SH       SOLE                     1300        0        0
FORD MTR CO DEL             COM                 345370100      106     2000 SH       DEFINED                  2000        0        0
FORT DEARBORN INCOME SECS                       347200107       10      820 SH       DEFINED                   820        0        0
FORTUNE BRANDS INC COM                          349631101      114     3450 SH       SOLE                     3450        0        0
FORTUNE BRANDS INC COM                          349631101      103     3144 SH       DEFINED                  3144        0        0
FOSTER WHEELER CORP         COM                 350244109        0       64 SH       DEFINED                    64        0        0
FRANCHISE FIN CORP AMER     COM                 351807102       10      454 SH       SOLE                      454        0        0
GTE CORP                    COM                 362320103      893    12662 SH       SOLE                    12662        0        0
GTE CORP                    COM                 362320103      162     2310 SH       DEFINED                  2310        0        0
GALLAHER GROUP PLC                              363595109       25     1650 SH       SOLE                     1650        0        0
GALLAHER GROUP PLC                              363595109       37     2444 SH       DEFINED                  2444        0        0
GANNETT INC                 COM                 364730101        3       40 SH       SOLE                       40        0        0
GARTNER GROUP INC CL B                          366651206        2      173 SH       SOLE                      173        0        0
GATEWAY INC                                     367626108       18      250 SH       SOLE                      250        0        0
GENERAL ELEC CO             COM                 369604103     4687    30294 SH       SOLE                    30294        0        0
GENERAL ELEC CO             COM                 369604103     6521    42142 SH       DEFINED                 40142     2000        0
GENERAL MLS INC             COM                 370334104       14      400 SH       SOLE                      400        0        0
GENERAL MTRS CORP           COM                 370442105      146     2022 SH       SOLE                     2022        0        0
GENERAL MTRS CORP           COM                 370442105       14      200 SH       DEFINED                   200        0        0
GENERAL MOTORS CORP CLASS H NEW                 370442832        3       34 SH       SOLE                       34        0        0
GILLETTE CO                 COM                 375766102      255     6210 SH       SOLE                     6210        0        0
GILLETTE CO                 COM                 375766102       16      400 SH       DEFINED                   400        0        0
GLAXO WELLCOME PLC SPNSR ADR                    37733W105        8      150 SH       SOLE                      150        0        0
GOODRICH B F COMPANY                            382388106        3      120 SH       DEFINED                   120        0        0
GOODYEAR TIRE & RUBR CO     COM                 382550101        5      200 SH       DEFINED                   200        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

GRACE WR&CO DEL NEW         COM                 38388F108       28     2014 SH       SOLE                     2014        0        0
GREAT LAKES CHEMICAL        COM                 390568103       17      450 SH       SOLE                      450        0        0
HALLIBURTON CO              COM                 406216101      171     4250 SH       SOLE                     4250        0        0
HALLIBURTON CO              COM                 406216101       95     2380 SH       DEFINED                  2380        0        0
JOHN HANCOCK BK & THRIFT OPP FUND               409735107       54     6500 SH       SOLE                     6500        0        0
JOHN HANCOCK BK & THRIFT OPP FUND               409735107       71     8500 SH       DEFINED                  8500        0        0
HANCOCK JOHN PATRIOT PREMIUM DIVIDEND FUND      41013Q101       19     2500 SH       SOLE                     2500        0        0
HARLEY DAVIDSON INC         COM                 412822108        5       80 SH       SOLE                       80        0        0
HARTFORD FINL SVCS GROUP    INC COM             416515104      539    11398 SH       SOLE                    11398        0        0
HARTFORD FINL SVCS GROUP    INC COM             416515104       37      800 SH       DEFINED                   800        0        0
HARTFORD LIFE CL - A                            416592103      198     4500 SH       SOLE                     4500        0        0
HARTFORD LIFE CL - A                            416592103       88     2000 SH       DEFINED                   500     1500        0
HEALTHSOUTH CORP            COM                 421924101       10     2000 SH       SOLE                     2000        0        0
HEALTHSOUTH CORP            COM                 421924101       13     2500 SH       DEFINED                  2500        0        0
HEALTH MGMT ASSOC INC       NEW CL A            421933102       24     1800 SH       SOLE                     1800        0        0
HEINZ H J CO                COM                 423074103       95     2400 SH       SOLE                     2400        0        0
HEINZ H J CO                COM                 423074103       51     1300 SH       DEFINED                   300     1000        0
HEWLETT PACKARD CO          COM                 428236103      175     1540 SH       SOLE                     1540        0        0
HEWLETT PACKARD CO          COM                 428236103      602     5295 SH       DEFINED                  5295        0        0
HIGHLANDS INSURANCE GROUP                       431032101        0      100 SH       DEFINED                   100        0        0
HOME DEPOT INC              COM                 437076102      645     9390 SH       SOLE                     9390        0        0
HONEYWELL INT'L INC                             438516106       31      546 SH       SOLE                      546        0        0
HONEYWELL INT'L INC                             438516106       36      636 SH       DEFINED                   636        0        0
HUMANA INC                  COM                 444859102        8     1000 SH       SOLE                     1000        0        0
IMS HEALTH INC                                  449934108       92     3390 SH       SOLE                     3390        0        0
ITT INDUSTRIES INC                              450911102        8      262 SH       SOLE                      262        0        0
IDACORP INC                                     451107106       54     2036 SH       SOLE                     2036        0        0
ILLINOIS TOOL WORKS INC                         452308109       34      504 SH       SOLE                      504        0        0
ILLINOVA CORP                                   452317100       17      500 SH       SOLE                      500        0        0
IMATION CORPORATION                             45245A107        4      128 SH       SOLE                      128        0        0
IMATION CORPORATION                             45245A107       27      823 SH       DEFINED                   823        0        0
IMMUNOMEDICS                                    452907108       24     2000 SH       SOLE                     2000        0        0
INDEPENDENCE SQUARE INC                         453779100       21     1400 SH       SOLE                     1400        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

INDIANA ENERGY INC          COM                 454707100      626    35324 SH       SOLE                    35324        0        0
INDIANA ENERGY INC          COM                 454707100      128     7264 SH       DEFINED                  3266     3998        0
INTEL CORP                  COM                 458140100      626     7611 SH       SOLE                     7611        0        0
INTEL CORP                  COM                 458140100     1037    12600 SH       DEFINED                 12600        0        0
INTELECT COMM INC COM                           458144102        0       10 SH       DEFINED                    10        0        0
INTERNATL BUSINESS MACHINES                     459200101     1079    10005 SH       SOLE                    10005        0        0
INTERNATL BUSINESS MACHINES                     459200101      308     2864 SH       DEFINED                  1864     1000        0
INVACARE CORPORATION                            461203101       21     1075 SH       SOLE                     1075        0        0
IPALCO ENTERPRISES INC      COM                 462613100      551    32335 SH       SOLE                    32335        0        0
IPALCO ENTERPRISES INC      COM                 462613100      441    25868 SH       DEFINED                 22868     3000        0
IRWIN FINANCIAL CORPORATION                     464119106       28     1600 SH       SOLE                     1600        0        0
JOHNSON & JOHNSON           COM                 478160104      127     1366 SH       SOLE                     1366        0        0
JOHNSON & JOHNSON           COM                 478160104       55      600 SH       DEFINED                   600        0        0
K MART CORP                 COM                 482584109        6      600 SH       SOLE                      600        0        0
KERR-MCGEE CORP                                 492386107      242     3904 SH       DEFINED                  3904        0        0
KIMBERLY CLARK CORP         COM                 494368103        6       95 SH       SOLE                       95        0        0
KOHLS CORPORATION                               500255104       64      900 SH       SOLE                      900        0        0
KROGER CO                   COM                 501044101        0       40 SH       SOLE                       40        0        0
KROGER CO                   COM                 501044101        0       20 SH       DEFINED                    20        0        0
LCA - VISION INC COM NEW                        501803209        2      431 SH       DEFINED                   431        0        0
LG & E ENERGY CORP                              501917108        6      400 SH       SOLE                      400        0        0
LG & E ENERGY CORP                              501917108        5      334 SH       DEFINED                   334        0        0
LAKEHEAD PIPE LINE          PARTNERS            511557100        8      250 SH       SOLE                      250        0        0
LAKEHEAD PIPE LINE          PARTNERS            511557100       17      500 SH       DEFINED                   500        0        0
LAKELAND FINANCIAL CORP                         511656100      325    21780 SH       SOLE                    21780        0        0
LIBERTY PROPERTY TRUST                          531172104       28     1150 SH       SOLE                     1150        0        0
LILLY ELI & CO              COM                 532457108     1892    28464 SH       SOLE                    28464        0        0
LILLY ELI & CO              COM                 532457108     1626    24460 SH       DEFINED                 21860     2600        0
LINCOLN NATL CONV FUND                          534183108       48     3000 SH       SOLE                     3000        0        0
LINCOLN NATL CORP IND       COM                 534187109       79     1976 SH       DEFINED                  1976        0        0
LOEWS CORP                  COM                 540424108       19      320 SH       SOLE                      320        0        0
LOWES COMPANIES INC                             548661107       62     1050 SH       SOLE                     1050        0        0
LUBRIZOL CORP               COM                 549271104       12      400 SH       SOLE                      400        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

LUCENT TECHNOLOGIES INC                         549463107      809    10796 SH       SOLE                    10796        0        0
LUCENT TECHNOLOGIES INC                         549463107     1403    18712 SH       DEFINED                 12412        0     6300
MAF BANCORP INC                                 55261R108       23     1113 SH       SOLE                     1113        0        0
MBIA INC                                        55262C100       15      300 SH       SOLE                      300        0        0
MBNA CORPORATION                                55262L100       69     2555 SH       SOLE                     2555        0        0
MBNA CORPORATION                                55262L100       12      450 SH       DEFINED                   450        0        0
MCI WORLDCOM INC                                55268B106      571    10777 SH       SOLE                    10777        0        0
MCI WORLDCOM INC                                55268B106       23      450 SH       DEFINED                   450        0        0
MARSH & MCLENNAN COS INC    COM                 571748102        7       75 SH       SOLE                       75        0        0
MATTEL INC                                      577081102       26     2000 SH       SOLE                     2000        0        0
MAY DEPT STORES CO          COM                 577778103        7      225 SH       SOLE                      225        0        0
MAY DEPT STORES CO          COM                 577778103       20      621 SH       DEFINED                   621        0        0
MAYTAG COMPANY                                  578592107        9      200 SH       DEFINED                   200        0        0
MCDONALDS CORP              COM                 580135101      131     3260 SH       SOLE                     3260        0        0
MCDONALDS CORP              COM                 580135101       80     2000 SH       DEFINED                  2000        0        0
MCKEESON HBOC INC                               58155Q103        6      296 SH       SOLE                      296        0        0
MCKEESON HBOC INC                               58155Q103        5      266 SH       DEFINED                   266        0        0
MEDIAONE GROUP INC                              58440J104       15      200 SH       SOLE                      200        0        0
MEDIAONE GROUP INC                              58440J104        6       84 SH       DEFINED                    84        0        0
MEDTRONIC INC                                   585055106      151     4160 SH       SOLE                     4160        0        0
MEDTRONIC INC                                   585055106       72     2000 SH       DEFINED                  2000        0        0
MELLON FINANCIAL CORP       COM                 58551A108       61     1800 SH       SOLE                     1800        0        0
MELLON FINANCIAL CORP       COM                 58551A108       81     2400 SH       DEFINED                  2400        0        0
MERCK & CO INC              COM                 589331107     1322    19683 SH       SOLE                    19683        0        0
MERCK & CO INC              COM                 589331107      812    12092 SH       DEFINED                 12092        0        0
MICROSOFT CORP              COM                 594918104      422     3620 SH       SOLE                     3620        0        0
MICROSOFT CORP              COM                 594918104      583     5000 SH       DEFINED                  3000     2000        0
MINNESOTA MNG & MFG CO      COM                 604059105      528     5405 SH       SOLE                     5405        0        0
MINNESOTA MNG & MFG CO      COM                 604059105      845     8636 SH       DEFINED                  8236      400        0
MINNESOTA PWR INC           COM                 604110106       49     2940 SH       SOLE                     2940        0        0
MINNESOTA PWR INC           COM                 604110106       29     1752 SH       DEFINED                  1752        0        0
MOLEX INC CL-A NON-VTG                          608554200       17      390 SH       SOLE                      390        0        0
MONSANTO CO                 COM                 611662107       17      500 SH       SOLE                      500        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

MORGAN J P & CO INC         COM                 616880100      389     3075 SH       SOLE                     3075        0        0
MORGAN J P & CO INC         COM                 616880100      193     1525 SH       DEFINED                   825      700        0
MORGAN STANLEY 8.20 PFD                         616906707       11      500 SH       SOLE                      500        0        0
MORGAN STANLEY DEAN WITTER  DISCOVER & CO       617446448       17      122 SH       SOLE                      122        0        0
MORGAN STANLEY DEAN WITTER  DISCOVER & CO       617446448       13       92 SH       DEFINED                    92        0        0
MOTOROLA INC                COM                 620076109     1766    12000 SH       SOLE                    12000        0        0
MOTOROLA INC                COM                 620076109      279     1900 SH       DEFINED                  1900        0        0
NCR CORPORATION NEW                             62886E108        3       87 SH       SOLE                       87        0        0
NATIONAL CITY CORPORATION   COM                 635405103      370    15626 SH       DEFINED                 15626        0        0
NATIONAL SEMICONDUCTOR CORP                     637640103       85     2000 SH       SOLE                     2000        0        0
NATIONWIDE FINANCIAL SERV A                     638612101       22      800 SH       SOLE                      800        0        0
NEW CENTURY ENERGIES INC                        64352U103        6      200 SH       DEFINED                   200        0        0
NEW PLAN EXCEL RLTY TR INC                      648053106       31     2000 SH       SOLE                     2000        0        0
NEWELL RUBBERMAID INC                           651229106       14      500 SH       SOLE                      500        0        0
NISOURCE INC                                    65473P105      135     7608 SH       SOLE                     7608        0        0
NISOURCE INC                                    65473P105       15      866 SH       DEFINED                   866        0        0
 NOBLE AFFILIATES INC                           654894104       41     1950 SH       SOLE                     1950        0        0
NORDSTROM INC                                   655664100        1       50 SH       SOLE                       50        0        0
NORFOLK SOUTHERN CORP       COM                 655844108       23     1125 SH       DEFINED                     0     1125        0
NUVEEN MUN ADVANTAGE FD INC COM                 67062H106       12     1000          SOLE                     1000        0        0
OEA, INC                                        670826106        0       90 SH       DEFINED                    90        0        0
NUVEEN INSD MUN OPPORTUNITY                     670984103       42     3500          DEFINED                  3500        0        0
OCTEL CORPORATION                               675727101        1      114 SH       SOLE                      114        0        0
OLD NATL BANCORP IND        COM                 680033107      705    21741 SH       SOLE                    21741        0        0
OLD NATL BANCORP IND        COM                 680033107     2396    73900 SH       DEFINED                 73900        0        0
OLD REP INTL CORP           COM                 680223104       88     6500 SH       SOLE                     6500        0        0
ONEOK INC NEW                                   682680103        2      110 SH       SOLE                      110        0        0
ORACLE CORP                 COM                 68389X105      897     8012 SH       SOLE                     8012        0        0
ORACLE CORP                 COM                 68389X105      509     4547 SH       DEFINED                  2297     2250        0
P G & E CORPORATION COM                         69331C108       13      637 SH       SOLE                      637        0        0
P G & E CORPORATION COM                         69331C108        1       55 SH       DEFINED                    55        0        0
PNC BK CORP                 COM                 693475105        8      200 SH       SOLE                      200        0        0
P P & L RESOURCES  INC                          693499105       45     2000 SH       SOLE                     2000        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

PACIFIC AMERN INCOME SHS INCCOM                 693796104        0       67 SH       SOLE                       67        0        0
PACTIV CORPORATION                              695257105        0        7 SH       SOLE                        7        0        0
PENN REAL ESTATE INVEST TST                     709102107       16     1100 SH       SOLE                     1100        0        0
PEPSICO INC                 COM                 713448108      553    15698 SH       SOLE                    15698        0        0
PEPSICO INC                 COM                 713448108      172     4900 SH       DEFINED                   400     4500        0
PHARMACIA & UPJOHN INC                          716941109       45     1000 SH       SOLE                     1000        0        0
PFIZER INC                  COM                 717081103     2272    70083 SH       SOLE                    70083        0        0
PFIZER INC                  COM                 717081103      809    24976 SH       DEFINED                 19976     5000        0
PHELPS DODGE CORP           COM                 717265102       57      852 SH       SOLE                      852        0        0
PHELPS DODGE CORP           COM                 717265102       23      352 SH       DEFINED                   352        0        0
PHILIP MORRIS CO INC        COM                 718154107      131     5700 SH       SOLE                     5700        0        0
PHILIP MORRIS CO INC        COM                 718154107      137     5976 SH       DEFINED                  5976        0        0
PHILLIPS PETE CO            COM                 718507106      136     2900 SH       SOLE                     2900        0        0
PIONEER GROUP INC           COM                 723684106       41     2604 SH       DEFINED                  2604        0        0
POWERGEN PLC                SPON ADR FINAL      738905405        9      300 SH       SOLE                      300        0        0
PRAXAIR INC                 COM                 74005P104       22      450 SH       DEFINED                   450        0        0
PROCTER & GAMBLE CO         COM                 742718109      352     3218 SH       SOLE                     3218        0        0
PROCTER & GAMBLE CO         COM                 742718109       98      900 SH       DEFINED                   900        0        0
PUBLIC SERVICE CO OF NEW MEX                    744499104        1      100 SH       DEFINED                   100        0        0
PUBLIC SERVICE ENTERPRISE GP                    744573106       49     1410 SH       SOLE                     1410        0        0
R&B FALCON CORP                                 74912E101        3      300 SH       SOLE                      300        0        0
QWEST COMMUNICATIONS INT'L                      749121109      326     7600 SH       SOLE                     7600        0        0
RGS ENERGY GROUP INC                            74956K104       14      690 SH       SOLE                      690        0        0
RAYTHEON CO CLASS A                             755111309        3      127 SH       SOLE                      127        0        0
RAYTHEON CO CLASS A                             755111309        0        8 SH       DEFINED                     8        0        0
RAYTHEON CO CLASS B                             755111408       20      785 SH       SOLE                      785        0        0
RELIANT ENERGY INC                              75952J108        4      200 SH       DEFINED                   200        0        0
RELIASTAR FINANCIAL CORP                        75952U103       29      764 SH       SOLE                      764        0        0
ROHM & HAAS COMPANY                             775371107        5      147 SH       DEFINED                   147        0        0
ROYAL BANK OF SCOTLAND GROUP                    780097408        8      400 SH       DEFINED                   400        0        0
 ROYAL BANK OF SCOTLAND                         780097705       17      800 SH       SOLE                      800        0        0
ROYAL BANK OF SCOTLAND                          780097804       49     2500 SH       SOLE                     2500        0        0
ROYAL BK SCOTLAND 7.40      SERIES G            780097887       59     3000 SH       SOLE                     3000        0        0
ROYAL BK SCOTLAND 7.40      SERIES G            780097887       19     1000 SH       DEFINED                  1000        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

ROYAL DUTCH PETE CO                             780257804      278     4600 SH       SOLE                     4600        0        0
ROYAL DUTCH PETE CO                             780257804       48      800 SH       DEFINED                   800        0        0
SBC COMMUNICATIONS INC                          78387G103     1599    32811 SH       SOLE                    32811        0        0
SBC COMMUNICATIONS INC                          78387G103     1124    23072 SH       DEFINED                 19124     3948        0
SANTA FE SNYDER CORP                            80218K105        0       53 SH       DEFINED                    53        0        0
SARA LEE CORP               COM                 803111103      130     5900 SH       SOLE                     5900        0        0
SCHERING PLOUGH CORP        COM                 806605101       33      800 SH       SOLE                      800        0        0
SCHLUMBERGER LTD            COM                 806857108       84     1514 SH       DEFINED                  1514        0        0
SCOTTISH PWR PLC SPONS ADR                      81013T705        8      300 SH       SOLE                      300        0        0
SCOTTISH PWR PLC SPONS ADR                      81013T705        8      291 SH       DEFINED                   291        0        0
SEALED AIR CORP NEW COM                         81211K100       55     1079 SH       SOLE                     1079        0        0
SEALED AIR CORP NEW PFD     CONV PFD CONV SER A 81211K209       38      756 SH       SOLE                      756        0        0
SEARS ROEBUCK & CO          COM                 812387108       12      407 SH       SOLE                      407        0        0
SEARS ROEBUCK & CO          COM                 812387108      106     3520 SH       DEFINED                  3520        0        0
SERVICE CORP INTL           COM                 817565104        6     1000 SH       SOLE                     1000        0        0
SIEBEL SYSTEMS INC                              826170102       58      700 SH       SOLE                      700        0        0
SIGCORP INC                 COM                 826912107      399    17547 SH       SOLE                    17547        0        0
SIGCORP INC                 COM                 826912107      175     7702 SH       DEFINED                  3531     4171        0
SIMON PPTY GROUP INC NEW                        828806109       41     1800 SH       SOLE                     1800        0        0
SOLECTRON CORP              COM                 834182107       95     1000 SH       SOLE                     1000        0        0
SOLUTIA INC                                     834376105       24     1600 SH       DEFINED                  1600        0        0
SOUTHERN CO                 COM                 842587107      150     6386 SH       SOLE                     6386        0        0
SOUTHERN CO                 COM                 842587107       33     1418 SH       DEFINED                  1418        0        0
SOUTHWEST AIRLINES COMPANY                      844741108       38     2414 SH       SOLE                     2414        0        0
STAPLES INCORPORATED                            855030102       35     1725 SH       SOLE                     1725        0        0
STARBUCKS CORPORATION                           855244109       24     1000 SH       DEFINED                  1000        0        0
STARWOOD HOTELS & RESORTS   WORLDWIDE INC       85590A203        9      404 SH       SOLE                      404        0        0
STORAGE TECHNOLOGY                              862111200       44     2406 SH       DEFINED                  2406        0        0
STRYKER CORP                                    863667101      737    10600 SH       DEFINED                 10600        0        0
SUMMIT TECHNOLOGY INC       COM                 86627E101       17     1500 SH       DEFINED                  1500        0        0
SUN MICROSYSTEMS INC                            866810104        4       60 SH       SOLE                       60        0        0
SUNOCO INC                                      86764P109      367    15649 SH       DEFINED                 15649        0        0
SYSCO CORPORATION                               871829107       94     2400 SH       SOLE                     2400        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

TCW CONVERTIBLE SECURITIES  FUND, INC           872340104       30     3235 SH       SOLE                     3235        0        0
TELLABS INC DELAWARE                            879664100      352     5500 SH       SOLE                     5500        0        0
TEMPLETON EMERGING MKTS FD                      880191101        4      350 SH       SOLE                      350        0        0
TENNECO  AUTOMOTIVE INC                         880349105        0        1 SH       SOLE                        1        0        0
TENNECO  AUTOMOTIVE INC                         880349105        0       49 SH       DEFINED                    49        0        0
TEXACO INC                  COM                 881694103      105     1936 SH       SOLE                     1936        0        0
TEXACO INC                  COM                 881694103       11      207 SH       DEFINED                   207        0        0
TEXAS INSTRS INC            COM                 882508104       14      150 SH       SOLE                      150        0        0
TEXAS INSTRS INC            COM                 882508104       19      200 SH       DEFINED                   200        0        0
TEXAS UTILITIES CO HLDG CO                      882848104        1       38 SH       SOLE                       38        0        0
TEXAS UTILITIES CO HLDG CO                      882848104        1       55 SH       DEFINED                    55        0        0
TEXTRON INC                 COM                 883203101       35      468 SH       SOLE                      468        0        0
TIME WARNER INC             COM                 887315109        6       85 SH       SOLE                       85        0        0
TREMONT CORP                                    894745207        0       20 SH       DEFINED                    20        0        0
TRICON GLOBAL RESTUARANTS                       895953107        7      200 SH       DEFINED                   200        0        0
TUPPERWARE CORPORATION                          899896104       10      624 SH       SOLE                      624        0        0
TYCO INTERNATIONAL LTD NEW                      902124106      598    15350 SH       SOLE                    15350        0        0
USX MARATHON GROUP          COM NEW             902905827      123     5000 SH       SOLE                     5000        0        0
UNICOM CORPORATION                              904911104        8      251 SH       DEFINED                   251        0        0
UNION CARBIDE CORP          COM                 905581104       15      225 SH       SOLE                      225        0        0
UNION CARBIDE CORP          COM                 905581104      146     2200 SH       DEFINED                  2200        0        0
UNION PAC CORP              COM                 907818108       13      300 SH       SOLE                      300        0        0
UNION PAC CORP              COM                 907818108        4      100 SH       DEFINED                   100        0        0
UNION PACIFIC RESOURCES GRP                     907834105        4      338 SH       DEFINED                   338        0        0
 UNITED DOMINION RLTY TR INC                    910197102       27     2800 SH       SOLE                     2800        0        0
US WEST INC (NEW)                               91273H101      302     4198 SH       SOLE                     4198        0        0
US WEST INC (NEW)                               91273H101       86     1202 SH       DEFINED                  1202        0        0
 UNITED WATER RESOURCES INC                     913190104       42     1240 SH       SOLE                     1240        0        0
VALERO REFINING & MARKETING CO                  91913Y100        1      100 SH       DEFINED                   100        0        0
VAN KAMPEN MUN TR           SH BEN INT          920919107        3      300 SH       SOLE                      300        0        0
VENATOR GROUP INC                               922944103        3      500 SH       DEFINED                   500        0        0
VIAD CORP COM                                   92552R109       34     1248 SH       DEFINED                  1248        0        0
VIACOM INC                  CL B                925524308        9      160 SH       SOLE                      160        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

VODAFONE AIRTOUCH PUBLIC LTDCOMPANY ADR         92857T107       60     1220 SH       SOLE                     1220        0        0
VODAFONE AIRTOUCH PUBLIC LTDCOMPANY ADR         92857T107       46      940 SH       DEFINED                   940        0        0
WPS RESOURCES CORP                              92931B106        5      235 SH       SOLE                      235        0        0
WAL MART STORES INC         COM                 931142103      552     8000 SH       SOLE                     8000        0        0
WAL MART STORES INC         COM                 931142103       74     1075 SH       DEFINED                   325      750        0
WALGREEN CO                 COM                 931422109       23      800 SH       SOLE                      800        0        0
WARNER LAMBERT CO           COM                 934488107       29      358 SH       SOLE                      358        0        0
WASTE MANAGEMENT INC NEW                        94106L109        8      483 SH       SOLE                      483        0        0
WELLS FARGO & CO NEW                            949746101      234     5800 SH       SOLE                     5800        0        0
WELLS FARGO & CO NEW                            949746101        9      232 SH       DEFINED                   232        0        0
WELLSFORD REAL ESTATE                           950240101        0      100 SH       SOLE                      100        0        0
WESTERN RESOURCES INC                           959425109        8      500 SH       SOLE                      500        0        0
WHIRLPOOL CORP              COM                 963320106       13      200 SH       SOLE                      200        0        0
WINN DIXIE STORES INC       COM                 974280109       15      664 SH       DEFINED                   664        0        0
WISCONSIN ENERGY CORP       COM                 976657106       42     2200 SH       SOLE                     2200        0        0
WISCONSIN ENERGY CORP       COM                 976657106        3      201 SH       DEFINED                   201        0        0
WRIGLEY WM JR CO            COM                 982526105       41      500 SH       SOLE                      500        0        0
XEROX CORP                  COM                 984121103       13      600 SH       SOLE                      600        0        0

 GRAND TOTALS                                               127356  2581995                                2500302    75393     6300
</TABLE>



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