TIAA CREF TRUST CO FSB/MO
13F-HR, 2000-04-10
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<PAGE>
                                   UNITED STATES
                         SECURITIES AND EXCHANGE COMMISSION
                              Washington, D. C. 20549

                                      Form 13F

                                Form 13F COVER PAGE

Report for the Calendar Year or Quarter Ended:   03/31/2000

Your Form 13F Cover Page Detail

<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00         PAGE    1
                                                                    AS OF 03/31/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
<S>                                  <C>       <C>       <C>        <C> <C>    <C> <C> <C> <C>      <C>        <C>        <C>
 DAIMLERCHRYSLER AG                   D1668R123        83      1,275 SH          X                       1,275

 DAIMLERCHRYSLER AG                   D1668R123       118      1,808 SH              X   X               1,808

 AMDOCS LTD COM                       G02602103       799     10,800 SH          X                      10,800

 AMDOCS LTD COM                       G02602103        81      1,100 SH              X   X               1,100

 CORECOMM LTD COM                     G2422R109       205      4,662 SH          X                       4,662

 GLOBAL CROSSING LTD                  G3921A100        41      1,000 SH          X                       1,000

 GLOBAL CROSSING LTD                  G3921A100       192      4,700 SH              X   X               4,700

 TRANSOCEAN SEDCO FOREX INC COM       G90078109       831     16,190 SH          X                      16,190

 TRANSOCEAN SEDCO FOREX INC COM       G90078109       235      4,584 SH              X   X               4,584

 XL CAPITAL LTD CLASS A COM           G98255105        40        725 SH          X                         725

 XL CAPITAL LTD CLASS A COM           G98255105       166      3,000 SH              X   X               3,000

 AT&T CORP COM                        001957109     1,337     23,749 SH          X                      23,749

 AT&T CORP COM                        001957109     1,910     33,925 SH              X   X              33,925

 ABBOTT LABS COM                      002824100       232      6,606 SH          X                       6,606

 ABBOTT LABS COM                      002824100     1,644     46,717 SH              X   X              46,717

 AGRIBRANDS INTERNATIONAL INC COM     00849R105       451     11,478 SH          X                      11,478

 AKZO NOBEL N V SPONSORED ADR         010199305       456     10,600 SH          X                      10,600

 AKZO NOBEL N V SPONSORED ADR         010199305        16        380 SH              X   X                 380

 ALLIANCE CAPITAL MGMT HOLD COM       01855A101       787     19,000 SH              X   X              19,000

 ALLSTATE CORP COM                    020002101     1,026     43,092 SH          X                      43,092

 ALLSTATE CORP COM                    020002101       140      5,866 SH              X   X               5,866

 ALLTEL CORP COM                      020039103         3         42 SH          X                          42

 ALLTEL CORP COM                      020039103       767     12,158 SH              X   X              12,158

 ALTERA CORP COM                      021441100       262      2,936 SH          X                       2,936

 AMEREN CORP COM                      023608102        97      3,140 SH          X                       3,140

                                               ----------
          PAGE TOTAL                               11,919
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00         PAGE    2
                                                                    AS OF 03/31/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
<S>                                  <C>       <C>       <C>        <C> <C>    <C> <C> <C> <C>      <C>        <C>        <C>
 AMEREN CORP COM                      023608102       244      7,890 SH              X   X               7,890

 AMERICA ONLINE INC DEL COM           02364J104       109      1,616 SH          X                       1,616

 AMERICA ONLINE INC DEL COM           02364J104       405      6,000 SH              X   X               6,000

 AMERICAN EXPRESS CO COM              025816109       332      2,229 SH          X                       2,229

 AMERICAN EXPRESS CO COM              025816109       924      6,202 SH              X   X               6,202

 AMERICAN HOME PRODS CORP COM         026609107     1,763     32,800 SH          X                      32,250        550

 AMERICAN HOME PRODS CORP COM         026609107     1,293     24,050 SH              X   X              24,050

 AMERICAN INTL GROUP INC COM          026874107       360      3,286 SH          X                       3,286

 AMERICAN INTL GROUP INC COM          026874107       309      2,822 SH              X   X               2,822

 AMERICAN WTR WKS INC COM             030411102       385     16,223 SH              X   X              16,223

 AMGEN INC COM                        031162100     2,380     38,780 SH          X                      38,780

 AMGEN INC COM                        031162100     1,337     21,790 SH              X   X              21,790

 ANALOG DEVICES INC COM               032654105       408      5,066 SH          X                       5,066

 ANHEUSER BUSCH COS INC COM           035229103       309      4,960 SH          X                       4,960

 ANHEUSER BUSCH COS INC COM           035229103       772     12,400 SH              X   X              12,400

 APACHE CORP COM                      037411105       861     17,300 SH          X                      17,300

 APACHE CORP COM                      037411105       165      3,325 SH              X   X               3,325

 APPLIED MATLS INC COM                038222105       386      4,100 SH              X   X               4,100

 ARK MARYLAND TAX FREE FD CL A        040711731       224     23,400 SH              X   X              23,400

 ASSOCIATES FIRST CAP CORP CL A       046008108       121      5,646 SH          X                       5,646

 ASSOCIATES FIRST CAP CORP CL A       046008108       326     15,244 SH              X   X              15,244

 ATLANTIC RICHFIELD CO COM            048825103       180      2,115 SH          X                       2,115

 ATLANTIC RICHFIELD CO COM            048825103       819      9,634 SH              X   X               9,634

 AUTOMATIC DATA PROCESSING COM        053015103       863     17,895 SH          X                      17,895

 AUTOMATIC DATA PROCESSING COM        053015103     1,039     21,536 SH              X   X              21,536

                                               ----------
          PAGE TOTAL                               16,314
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00         PAGE    3
                                                                    AS OF 03/31/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
<S>                                  <C>       <C>       <C>        <C> <C>    <C> <C> <C> <C>      <C>        <C>        <C>
 BCE INC COM                          05534B109       432      3,440 SH          X                       3,440

 BCE INC COM                          05534B109       276      2,200 SH              X   X               2,200

 BP AMOCO SPON ADR                    055622104       854     16,032 SH          X                      16,032

 BP AMOCO SPON ADR                    055622104     1,101     20,670 SH              X   X              20,670

 BMC SOFTWARE INC COM                 055921100     1,239     25,090 SH          X                      25,090

 BMC SOFTWARE INC COM                 055921100       524     10,605 SH              X   X              10,605

 BANK OF AMERICA CORP COM             060505104       777     14,819 SH          X                      14,819

 BANK OF AMERICA CORP COM             060505104     2,713     51,737 SH              X   X              51,737

 BANK NEW YORK INC COM                064057102       343      8,262 SH          X                       8,262

 BANK ONE CORP COM                    06423A103       112      3,263 SH          X                       3,263

 BANK ONE CORP COM                    06423A103       449     13,053 SH              X   X              13,053

 BECTON DICKINSON & CO COM            075887109       211      8,000 SH              X   X               8,000

 BELL ATLANTIC CORP COM               077853109       334      5,468 SH          X                       5,468

 BELL ATLANTIC CORP COM               077853109     1,709     27,964 SH              X   X              27,964

 BELLSOUTH CORP COM                   079860102       220      4,688 SH          X                       4,688

 BELLSOUTH CORP COM                   079860102       621     13,240 SH              X   X              13,240

 BERKSHIRE HATHAWAY INC CL-A COM      084670108       343          6 SH              X   X                   6

 BIOGEN N V COM                       090597105        87      1,250 SH          X                       1,250

 BIOGEN N V COM                       090597105       140      2,000 SH              X   X               2,000

 BLOCK H & R INC COM                  093671105        23        525 SH          X                         525

 BLOCK H & R INC COM                  093671105       584     13,055 SH              X   X              13,055

 BOEING CO COM                        097023105        19        500 SH          X                         500

 BOEING CO COM                        097023105       289      7,650 SH              X   X               7,650

 BRISTOL MYERS SQUIBB CO COM          110122108       476      8,200 SH          X                       8,200

 BRISTOL MYERS SQUIBB CO COM          110122108     2,268     39,100 SH              X   X              39,100

                                               ----------
          PAGE TOTAL                               16,144
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00         PAGE    4
                                                                    AS OF 03/31/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
<S>                                  <C>       <C>       <C>        <C> <C>    <C> <C> <C> <C>      <C>        <C>        <C>
 BUENOS AIRES EMB SP ADR              119424208        18     73,174 SH          X                      73,174

 BURLINGTON NORTHN SANTA FE CORP COM  12189T104        18        800 SH          X                         800

 BURLINGTON NORTHN SANTA FE CORP COM  12189T104       216      9,500 SH              X   X               9,500

 BURLINGTON RES INC COM               122014103        26        700 SH          X                         700

 BURLINGTON RES INC COM               122014103       438     11,825 SH              X   X              11,825

 CBS CORP COM                         12490K107       232      4,100 SH          X                       4,100

 CBS CORP COM                         12490K107       137      2,421 SH              X   X               2,421

 CIGNA CORP COM                       125509109        40        525 SH          X                         525

 CIGNA CORP COM                       125509109       182      2,400 SH              X   X               2,400

 CALPINE CORP COM                     131347106       564      6,000 SH          X                       6,000

 CARDINAL HEALTH INC COM              14149Y108     1,095     23,880 SH          X                      23,880

 CARDINAL HEALTH INC COM              14149Y108       238      5,186 SH              X   X               5,186

 CARNIVAL CORP CL A                   143658102       200      8,070 SH          X                       8,070

 CARNIVAL CORP CL A                   143658102        43      1,744 SH              X   X               1,744

 CENDANT CORP COM                     151313103        56      3,000 SH          X                       3,000

 CENDANT CORP COM                     151313103       207     11,200 SH              X   X              11,200

 CHASE MANHATTAN CORP NEW             16161A108     1,847     21,182 SH          X                      21,182

 CHASE MANHATTAN CORP NEW             16161A108       227      2,598 SH              X   X               2,598

 CHEVRON CORP COM                     166751107       434      4,691 SH          X                       4,691

 CHEVRON CORP COM                     166751107       157      1,700 SH              X   X               1,700

 CISCO SYS INC COM                    17275R102     1,882     24,340 SH          X                      23,740        600

 CISCO SYS INC COM                    17275R102     1,361     17,600 SH              X   X              17,600

 CITIGROUP INC COM                    172967101       517      8,633 SH          X                       8,633

 CITIGROUP INC COM                    172967101       291      4,858 SH              X   X               4,858

 COASTAL CORP COM                     190441105       944     19,665 SH          X                      19,665

                                               ----------
          PAGE TOTAL                               11,370
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00         PAGE    5
                                                                    AS OF 03/31/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
<S>                                  <C>       <C>       <C>        <C> <C>    <C> <C> <C> <C>      <C>        <C>        <C>
 COASTAL CORP COM                     190441105       221      4,600 SH              X   X               4,600

 COCA COLA CO COM                     191216100       562     11,969 SH          X                      11,969

 COCA COLA CO COM                     191216100       287      6,104 SH              X   X               6,104

 COLGATE PALMOLIVE CO COM             194162103       196      3,480 SH          X                       3,480

 COLGATE PALMOLIVE CO COM             194162103     1,432     25,400 SH              X   X              25,400

 COMPAQ COMPUTER CORP COM             204493100     1,646     61,518 SH          X                      61,518

 COMPAQ COMPUTER CORP COM             204493100       316     11,800 SH              X   X              11,800

 COMPUTER ASSOC INTL INC COM          204912109         8        130 SH          X                         130

 COMPUTER ASSOC INTL INC COM          204912109       320      5,400 SH              X   X               5,400

 COMPUTER SCIENCES CORP COM           205363104       595      7,515 SH          X                       7,515

 COMPUTER SCIENCES CORP COM           205363104        20        250 SH              X   X                 250

 CONAGRA INC COM                      205887102        44      2,435 SH          X                       2,435

 CONAGRA INC COM                      205887102       250     13,773 SH              X   X              13,773

 CONOCO INC CL B COM                  208251405       921     35,950 SH          X                      35,950

 CONOCO INC CL B COM                  208251405        52      2,046 SH              X   X               2,046

 CONSTELLATION ENERGY GROUP COM       210371100       521     16,346 SH          X                      16,346

 CONVERGYS CORP COM                   212485106       254      6,575 SH          X                       6,575

 CONVERTIBLE ARBITRAGE SELECT FUND    212530919       663        513 SH          X                         513
 LTD PARTNERSHIP (CH)
 DANA CORP COM                        235811106     1,295     45,950 SH          X                      45,950

 DANA CORP COM                        235811106       420     14,900 SH              X   X              14,900

 DELTA AIR LINES INC COM              247361108       412      7,740 SH          X                       7,740

 DISNEY WALT CO COM                   254687106       311      7,534 SH          X                       7,534

 DISNEY WALT CO COM                   254687106       535     12,975 SH              X   X              12,975

 DONALDSON LUFKIN & JENRETTE INC NEW  257661108       515      9,950 SH          X                       9,800        150
 COM
 DOW CHEM CO COM                      260543103        66        575 SH          X                         575

                                               ----------
          PAGE TOTAL                               11,862
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00         PAGE    6
                                                                    AS OF 03/31/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
<S>                                  <C>       <C>       <C>        <C> <C>    <C> <C> <C> <C>      <C>        <C>        <C>
 DOW CHEM CO COM                      260543103       399      3,500 SH              X   X               3,500

 DU PONT E I DE NEMOURS & CO COM      263534109       686     12,956 SH          X                      12,956

 DU PONT E I DE NEMOURS & CO COM      263534109        91      1,719 SH              X   X               1,719

 DUKE ENERGY CORP COM                 264399106       786     14,978 SH          X                      14,978

 DUKE ENERGY CORP COM                 264399106       150      2,860 SH              X   X               2,860

 E M C CORP MASS COM                  268648102       107        848 SH          X                         848

 E M C CORP MASS COM                  268648102       101        800 SH              X   X                 800

 EDISON INTL COM                      281020107        50      3,000 SH          X                       3,000

 EDISON INTL COM                      281020107       563     34,000 SH              X   X              34,000

 EL PASO ENERGY CORP DEL COM          283905107       105      2,600 SH          X                       2,600

 EL PASO ENERGY CORP DEL COM          283905107       479     11,868 SH              X   X              11,868

 EMERSON ELEC CO COM                  291011104       585     11,005 SH          X                      11,005

 EMERSON ELEC CO COM                  291011104       811     15,270 SH              X   X              15,270

 ENRON CORP COM                       293561106       180      2,400 SH          X                       2,400

 ENRON CORP COM                       293561106       917     12,248 SH              X   X              12,248

 ERICSSON L M TEL CO ADR CL B SEK 10  294821400       291      3,106 SH          X                       3,106

 ERICSSON L M TEL CO ADR CL B SEK 10  294821400       103      1,100 SH              X   X               1,100

 EXXON MOBIL CORP COM                 30231G102     2,736     35,109 SH          X                      35,109

 EXXON MOBIL CORP COM                 30231G102     1,934     24,809 SH              X   X              24,809

 FEDERAL NATL MTG ASSN COM            313586109       382      6,757 SH          X                       6,757

 FEDERAL NATL MTG ASSN COM            313586109       234      4,145 SH              X   X               4,145

 FIDELITY COURT STR TR HI YIELD TAX-  316089507       153     12,635 SH          X                      12,635
 FREE PORTFOLIO
 FIDELITY COURT STR TR HI YIELD TAX-  316089507        74      6,129 SH              X   X               6,129
 FREE PORTFOLIO
 FIRST UN CORP COM                    337358105        53      1,434 SH          X                       1,434

 FIRST UN CORP COM                    337358105       208      5,592 SH              X   X               5,592

                                               ----------
          PAGE TOTAL                               12,178
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00         PAGE    7
                                                                    AS OF 03/31/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
<S>                                  <C>       <C>       <C>        <C> <C>    <C> <C> <C> <C>      <C>        <C>        <C>
 FIRSTAR CORPORATION COM              33763V109     1,131     49,304 SH          X                      49,304

 FIRSTAR CORPORATION COM              33763V109       703     30,651 SH              X   X              30,651

 FLEET BOSTON FINANCIAL CORP COM      339030108       259      7,090 SH          X                       7,090

 FLEET BOSTON FINANCIAL CORP COM      339030108       196      5,360 SH              X   X               5,360

 FORD MTR CO DEL COM                  345370100       271      5,889 SH          X                       5,889

 FORD MTR CO DEL COM                  345370100     1,433     31,200 SH              X   X              31,200

 FOREST LABS INC COM                  345838106       239      2,830 SH          X                       2,830

 FORT JAMES CORP COM                  347471104       836     38,000 SH          X                      38,000

 FORT JAMES CORP COM                  347471104       139      6,300 SH              X   X               6,300

 FRANKLIN MO TAX FREE INCOME FUND     354723819       254     22,567 SH              X   X              22,567
 CL A
 GST TELECOMMUNICATIONS INC COM       361942105        67     11,000 SH          X                      11,000

 GTE CORP COM                         362320103       529      7,457 SH          X                       7,457

 GTE CORP COM                         362320103       959     13,500 SH              X   X              13,500

 GATEWAY INC COM                      367626108       248      4,500 SH          X                       4,500

 GATEWAY INC COM                      367626108        61      1,100 SH              X   X               1,100

 GENERAL ELEC CO COM                  369604103     4,470     28,723 SH          X                      28,723

 GENERAL ELEC CO COM                  369604103     6,143     39,472 SH              X   X              39,472

 GENERAL MILLS INC COM                370334104       644     17,808 SH          X                      17,592        216

 GENERAL MILLS INC COM                370334104       259      7,160 SH              X   X               7,160

 GENERAL MTRS CORP COM                370442105     1,239     14,963 SH          X                      14,963

 GENERAL MTRS CORP COM                370442105       547      6,607 SH              X   X               6,607

 GENERAL MTRS CORP CL H NEW           370442832        22        173 SH          X                         173

 GENERAL MTRS CORP CL H NEW           370442832       261      2,100 SH              X   X               2,100

 GENUINE PARTS CO COM                 372460105       443     18,560 SH              X   X              18,560

 GRAINGER W W INC COM                 384802104       608     11,200 SH              X   X              11,200

                                               ----------
          PAGE TOTAL                               21,961
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00         PAGE    8
                                                                    AS OF 03/31/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
<S>                                  <C>       <C>       <C>        <C> <C>    <C> <C> <C> <C>      <C>        <C>        <C>
 GREY ADVERTISING INC COM             397838103       389        950 SH              X   X                 950

 HALLIBURTON CO COM                   406216101        33        794 SH          X                         794

 HALLIBURTON CO COM                   406216101       189      4,600 SH              X   X               4,600

 HARTFORD FINL SVCS GROUP INC COM     416515104       570     10,810 SH          X                      10,810

 HARTFORD FINL SVCS GROUP INC COM     416515104        76      1,450 SH              X   X               1,450

 HEALTHSOUTH CORP COM                 421924101       370     65,000 SH          X                      65,000

 HEALTHSOUTH CORP COM                 421924101         6      1,000 SH              X   X               1,000

 HEALTH MGMT ASSOC INC NEW CL A       421933102       535     37,550 SH          X                      37,550

 HEALTH MGMT ASSOC INC NEW CL A       421933102        14      1,000 SH              X   X               1,000

 HEWLETT PACKARD CO COM               428236103       443      3,339 SH          X                       3,339

 HEWLETT PACKARD CO COM               428236103        27        200 SH              X   X                 200

 HIRSCH CHEMIE LTD                    433548104         0     12,500 SH          X                      12,500

 HOME DEPOT INC COM                   437076102       789     12,225 SH          X                      12,000        225

 HOME DEPOT INC COM                   437076102       404      6,270 SH              X   X               6,270

 HONEYWELL INTERNATIONAL INC COM      438516106       312      5,921 SH          X                       5,921

 HONEYWELL INTERNATIONAL INC COM      438516106        15        281 SH              X   X                 281

 HOUSEHOLD INTERNATIONAL INC COM      441815107        22        600 SH          X                         600

 HOUSEHOLD INTERNATIONAL INC COM      441815107       224      6,000 SH              X   X               6,000

 IMMULOGIC PHARMACEUTICAL CORP COM    45252R100        15     28,673 SH          X                      28,673

 INTEL CORP COM                       458140100     4,363     33,066 SH          X                      32,916        150

 INTEL CORP COM                       458140100     3,028     22,950 SH              X   X              22,950

 INTERNATIONAL BUSINESS MACHS COM     459200101     1,208     10,240 SH          X                      10,240

 INTERNATIONAL BUSINESS MACHS COM     459200101     2,191     18,569 SH              X   X              18,569

 INTERNATIONAL PAPER CO COM           460146103       182      4,263 SH          X                       4,263

 INTERNATIONAL PAPER CO COM           460146103        51      1,200 SH              X   X               1,200

                                               ----------
          PAGE TOTAL                               15,456
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00         PAGE    9
                                                                    AS OF 03/31/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
<S>                                  <C>       <C>       <C>        <C> <C>    <C> <C> <C> <C>      <C>        <C>        <C>
 JOHNSON & JOHNSON COM                478160104       684      9,740 SH          X                       9,740

 JOHNSON & JOHNSON COM                478160104       465      6,623 SH              X   X               6,623

 KEANE INC COM                        486665102       263     10,400 SH          X                      10,400

 KEANE INC COM                        486665102       101      4,000 SH              X   X               4,000

 KIMBERLY CLARK CORP COM              494368103       333      5,935 SH          X                       5,935

 KIMBERLY CLARK CORP COM              494368103       788     14,062 SH              X   X              14,062

 LACLEDE GAS CO COM                   505588103       129      6,450 SH          X                       6,450

 LACLEDE GAS CO COM                   505588103        86      4,300 SH              X   X               4,300

 LEHMAN BROTHERS HLDGS INC COM        524908100     1,810     18,655 SH          X                      18,555        100

 LEHMAN BROTHERS HLDGS INC COM        524908100     1,094     11,275 SH              X   X              11,275

 LILLY ELI & CO COM                   532457108       293      4,675 SH          X                       4,675

 LILLY ELI & CO COM                   532457108        75      1,200 SH              X   X               1,200

 LIMITED INC COM                      532716107       496     11,780 SH          X                      11,780

 LINEAR TECHNOLOGY CORP               535678106       437      7,944 SH          X                       7,944

 LOWES COMPANIES INC COM              548661107       419      7,170 SH          X                       7,170

 LOWES COMPANIES INC COM              548661107       260      4,450 SH              X   X               4,450

 LUCENT TECHNOLOGIES INC COM          549463107     2,220     35,805 SH          X                      35,805

 LUCENT TECHNOLOGIES INC COM          549463107     1,434     23,130 SH              X   X              23,130

 MBNA CORP COM                        55262L100        66      2,590 SH          X                       2,590

 MBNA CORP COM                        55262L100     1,312     51,448 SH              X   X              51,448

 MCI WORLDCOM INC COM                 55268B106     1,429     31,539 SH          X                      31,353        186

 MCI WORLDCOM INC COM                 55268B106       671     14,805 SH              X   X              14,805

 MARSH & MC LENNAN COS INC COM        571748102       206      1,865 SH          X                       1,865

 MARSH & MC LENNAN COS INC COM        571748102       189      1,717 SH              X   X               1,717

 MAY DEPT STORES CO COM               577778103        37      1,300 SH          X                       1,300

                                               ----------
          PAGE TOTAL                               15,297
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00         PAGE   10
                                                                    AS OF 03/31/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
<S>                                  <C>       <C>       <C>        <C> <C>    <C> <C> <C> <C>      <C>        <C>        <C>
 MAY DEPT STORES CO COM               577778103       407     14,285 SH              X   X              14,285

 MCDONALDS CORP COM                   580135101       360      9,637 SH          X                       9,637

 MCDONALDS CORP COM                   580135101       591     15,800 SH              X   X              15,800

 MCGRAW HILL COMPANIES INC            580645109       137      3,000 SH          X                       3,000

 MCGRAW HILL COMPANIES INC            580645109       237      5,200 SH              X   X               5,200

 MCKESSON HBOC INC COM                58155Q103       454     21,624 SH          X                      21,424        200

 MCKESSON HBOC INC COM                58155Q103       222     10,561 SH              X   X              10,561

 MEAD CORP COM                        582834107       671     19,200 SH          X                      19,200

 MEAD CORP COM                        582834107       252      7,200 SH              X   X               7,200

 MEDIAONE GROUP INC COM               58440J104       231      2,857 SH          X                       2,857

 MEDIAONE GROUP INC COM               58440J104       397      4,897 SH              X   X               4,897

 MEDTRONIC INC COM                    585055106       670     13,025 SH          X                      13,025

 MEDTRONIC INC COM                    585055106       271      5,275 SH              X   X               5,275

 MELLON FINANCIAL CORP COM            58551A108       244      8,200 SH          X                       8,200

 MELLON FINANCIAL CORP COM            58551A108       179      6,000 SH              X   X               6,000

 MERCK & CO INC COM                   589331107    12,186    196,152 SH          X                     196,152

 MERCK & CO INC COM                   589331107     1,944     31,299 SH              X   X              31,299

 MERRILL LYNCH & CO INC COM           590188108       210      2,000 SH          X                       2,000

 MERRILL LYNCH & CO INC COM           590188108       504      4,798 SH              X   X               4,798

 MICROSOFT CORP COM                   594918104     2,261     21,279 SH          X                      21,279

 MICROSOFT CORP COM                   594918104     1,000      9,415 SH              X   X               9,415

 MINNESOTA MNG & MFG CO COM           604059105       168      1,895 SH          X                       1,895

 MINNESOTA MNG & MFG CO COM           604059105       347      3,920 SH              X   X               3,920

 MONSANTO CO COM                      611662107       322      6,250 SH          X                       6,250

 MONSANTO CO COM                      611662107       487      9,450 SH              X   X               9,450

                                               ----------
          PAGE TOTAL                               24,752
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00         PAGE   11
                                                                    AS OF 03/31/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
<S>                                  <C>       <C>       <C>        <C> <C>    <C> <C> <C> <C>      <C>        <C>        <C>
 MORGAN J P & CO INC COM              616880100        82        626 SH          X                         626

 MORGAN J P & CO INC COM              616880100     1,759     13,350 SH              X   X              13,350

 MORGAN STANLEY DEAN WITTER & COMPANY 617446448     1,210     14,598 SH          X                      14,598
 COM NEW
 MORGAN STANLEY DEAN WITTER & COMPANY 617446448       560      6,756 SH              X   X               6,756
 COM NEW
 MOTOROLA INC COM                     620076109       329      2,250 SH          X                       2,250

 MOTOROLA INC COM                     620076109     1,374      9,410 SH              X   X               9,410

 MURPHY OIL CORP COM                  626717102       288      5,000 SH              X   X               5,000

 NTL INC COM                          629407107       294      3,165 SH          X                       3,165

 NATIONAL COMM BANCORPORATION COM     635449101       489     26,433 SH              X   X              26,433

 NATIONS MUNICIPAL INCOME FUND        638579698       315     29,472 SH          X                      29,472
 PRIMARY A
 NEWELL RUBBERMAID INC COM            651229106       697     28,070 SH          X                      28,070

 NOKIA CORP SPON ADR CL A             654902204     1,422      6,407 SH          X                       6,407

 NOKIA CORP SPON ADR CL A             654902204       311      1,400 SH              X   X               1,400

 NORTEL NETWORKS CORP COM             656569100       417      3,310 SH          X                       3,310

 NORTEL NETWORKS CORP COM             656569100       112        890 SH              X   X                 890

 NORTHERN TRUST CORP COM              665859104       367      5,430 SH          X                       5,430

 NORTHERN TRUST CORP COM              665859104        88      1,304 SH              X   X               1,304

 NORTHROP GRUMMAN CORP COM            666807102     1,181     22,308 SH          X                      22,308

 NORTHROP GRUMMAN CORP COM            666807102       254      4,800 SH              X   X               4,800

 OMNICOM GROUP COM                    681919106       298      3,183 SH          X                       3,183

 OMNICOM GROUP COM                    681919106        75        800 SH              X   X                 800

 ORACLE CORP COM                      68389X105     2,040     26,139 SH          X                      25,939        200

 ORACLE CORP COM                      68389X105     1,306     16,730 SH              X   X              16,730

 ORTHOLOGIC CORP COM                  68750J107       123     20,000 SH              X   X              20,000

 TSINGTAO BREWERY CO LTD ORD H SH     6905808           2     10,000 SH          X                      10,000

                                               ----------
          PAGE TOTAL                               15,393
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00         PAGE   12
                                                                    AS OF 03/31/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
<S>                                  <C>       <C>       <C>        <C> <C>    <C> <C> <C> <C>      <C>        <C>        <C>
 PPG INDS INC COM                     693506107         5        100 SH          X                         100

 PPG INDS INC COM                     693506107       628     12,000 SH              X   X              12,000

 PEPSICO INC COM                      713448108       639     18,335 SH          X                      18,335

 PEPSICO INC COM                      713448108       597     17,116 SH              X   X              17,116

 PFIZER INC COM                       717081103       327      8,948 SH          X                       8,948

 PFIZER INC COM                       717081103       325      8,885 SH              X   X               8,885

 PHILADELPHIA SUBN CORP COM NEW       718009608        21      1,168 SH          X                       1,168

 PHILADELPHIA SUBN CORP COM NEW       718009608       163      9,000 SH              X   X               9,000

 PHILIP MORRIS COS INC COM            718154107       267     12,635 SH          X                      12,635

 PHILIP MORRIS COS INC COM            718154107       495     23,445 SH              X   X              23,445

 PRICE T ROWE & ASSOC INC COM         741477103       388      9,833 SH              X   X               9,833

 PROCTER & GAMBLE CO COM              742718109       508      8,989 SH          X                       8,989

 PROCTER & GAMBLE CO COM              742718109       787     13,922 SH              X   X              13,922

 QUALCOMM INC COM                     747525103       299      2,000 SH          X                       2,000

 QWEST COMMUNICATIONS INTL            749121109       370      7,715 SH          X                       7,715

 QWEST COMMUNICATIONS INTL            749121109        46        950 SH              X   X                 950

 RALSTON PURINA CO COM RALSTON PURINA 751277302    17,555    638,379 SH          X                     634,179      4,200
 GROUP
 RALSTON PURINA CO COM RALSTON PURINA 751277302       783     28,455 SH              X   X              28,455
 GROUP
 RANGE RESOURCES CORP COM             75281A109        85     40,000 SH          X                      40,000

 RAYTHEON CO CL B                     755111408        53      2,975 SH          X                       2,975

 RAYTHEON CO CL B                     755111408       463     26,100 SH              X   X              26,100

 REUTERS GROUP PLC SPONSORED ADR      76132M102       776      6,504 SH              X   X               6,504

 ROYAL DUTCH PETE CO N Y REGISTRY SH  780257804     1,353     23,400 SH          X                      23,400
 PAR N GLDR 1.25
 ROYAL DUTCH PETE CO N Y REGISTRY SH  780257804       352      6,096 SH              X   X               6,096
 PAR N GLDR 1.25
 SBC COMMUNICATIONS INC COM           78387G103     1,786     42,398 SH          X                      42,398

                                               ----------
          PAGE TOTAL                               29,071
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00         PAGE   13
                                                                    AS OF 03/31/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
<S>                                  <C>       <C>       <C>        <C> <C>    <C> <C> <C> <C>      <C>        <C>        <C>
 SBC COMMUNICATIONS INC COM           78387G103     3,094     73,451 SH              X   X              73,451

 ST PAUL COS INC COM                  792860108     1,573     46,100 SH          X                      46,100

 ST PAUL COS INC COM                  792860108       805     23,600 SH              X   X              23,600

 SCHERING PLOUGH CORP COM             806605101       967     26,042 SH          X                      26,042

 SCHERING PLOUGH CORP COM             806605101     1,062     28,605 SH              X   X              28,605

 SCHLUMBERGER LTD COM                 806857108       265      3,464 SH          X                       3,464

 SCHLUMBERGER LTD COM                 806857108     1,002     13,100 SH              X   X              13,100

 SCHWAB CHARLES CORP NEW COM          808513105         7        130 SH          X                         130

 SCHWAB CHARLES CORP NEW COM          808513105       223      3,950 SH              X   X               3,950

 SERVICEMASTER CO COM                 81760N109        42      3,723 SH          X                       3,723

 SERVICEMASTER CO COM                 81760N109       459     40,770 SH              X   X              40,770

 SMITHKLINE BEECHAM P L C             832378301       765     11,575 SH          X                      11,575
 ADR REPSTG ORD A
 SMITHKLINE BEECHAM P L C             832378301       118      1,792 SH              X   X               1,792
 ADR REPSTG ORD A
 SOLECTRON CORP COM                   834182107       467     11,630 SH          X                      11,630

 SOLECTRON CORP COM                   834182107        24        600 SH              X   X                 600

 SOLUTIA INC COM                      834376105     1,378    103,052 SH          X                     102,752        300

 SOLUTIA INC COM                      834376105       457     34,200 SH              X   X              34,200

 SOUTHWEST AIRLS CO COM               844741108        11        550 SH          X                         550

 SOUTHWEST AIRLS CO COM               844741108       264     12,675 SH              X   X              12,675

 SPRINT CORP COM (FON GROUP)          852061100       203      3,226 SH          X                       3,226

 SPRINT CORP COM (FON GROUP)          852061100       850     13,485 SH              X   X              13,485

 SPRINT CORP (PCS GROUP) COM          852061506        50        770 SH          X                         770

 SPRINT CORP (PCS GROUP) COM          852061506       401      6,120 SH              X   X               6,120

 STRONG GOVERNMENT SECURITIES FUND    863344107       126     12,437 SH          X                      12,437

 SUN MICROSYSTEMS INC COM             866810104       176      1,876 SH          X                       1,876

                                               ----------
          PAGE TOTAL                               14,789
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00         PAGE   14
                                                                    AS OF 03/31/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
<S>                                  <C>       <C>       <C>        <C> <C>    <C> <C> <C> <C>      <C>        <C>        <C>
 SUN MICROSYSTEMS INC COM             866810104       515      5,500 SH              X   X               5,500

 TANDY CORP COM                       875382103       284      5,600 SH          X                       5,600

 TARGET CORP COM                      87612E106     1,330     17,792 SH          X                      17,792

 TARGET CORP COM                      87612E106     1,633     21,840 SH              X   X              21,840

 TELECOM CORP NEW ZEALAND LTD         879278208       302      8,243 SH              X   X               8,243
 SPON ADR
 TELEFONICA S A ADR SPONSORED         879382208       693      9,314 SH              X   X               9,314

 TELLABS INC COM                      879664100     1,130     17,934 SH          X                      17,934

 TELLABS INC COM                      879664100       173      2,750 SH              X   X               2,750

 TENET HEALTHCARE CORP COM            88033G100       409     17,800 SH          X                      17,800

 TEXACO INC COM                       881694103       108      2,000 SH          X                       2,000

 TEXACO INC COM                       881694103       194      3,600 SH              X   X               3,600

 TEXAS INSTRS INC COM                 882508104       507      3,166 SH          X                       3,166

 TEXAS INSTRS INC COM                 882508104     2,256     14,100 SH              X   X              14,100

 TEXTRON INC COM                      883203101       244      4,000 SH              X   X               4,000

 TIME WARNER INC COM                  887315109        60        600 SH          X                         600

 TIME WARNER INC COM                  887315109       370      3,700 SH              X   X               3,700

 TYCO INTL LTD                        902124106     2,267     45,230 SH          X                      45,230

 TYCO INTL LTD                        902124106       989     19,732 SH              X   X              19,732

 UNILEVER N V - W/I COM               904784709       258      5,357 SH          X                       5,357

 UNION PAC CORP COM                   907818108       331      8,448 SH          X                       8,448

 UNION PAC CORP COM                   907818108       248      6,336 SH              X   X               6,336

 U S WEST INC NEW COM                 91273H101     1,331     18,326 SH          X                      18,326

 U S WEST INC NEW COM                 91273H101       593      8,168 SH              X   X               8,168

 UNITED TECHNOLOGIES CORP COM         913017109       158      2,500 SH          X                       2,500

 UNITED TECHNOLOGIES CORP COM         913017109       193      3,050 SH              X   X               3,050

                                               ----------
          PAGE TOTAL                               16,576
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00         PAGE   15
                                                                    AS OF 03/31/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
<S>                                  <C>       <C>       <C>        <C> <C>    <C> <C> <C> <C>      <C>        <C>        <C>
 UNOCAL CORP COM                      915289102       859     28,866 SH          X                      28,866

 UNOCAL CORP COM                      915289102       104      3,500 SH              X   X               3,500

 VALSPAR CORP COM                     920355104     1,372     35,800 SH              X   X              35,800

 VANGUARD FIXED INCOME SEC FD         922031208        73     10,287 SH          X                      10,287
 HI YLD CORP PTF
 VANGUARD N J TAX EXEMPT FD           92204F206        42      3,699 SH          X                       3,699
 LONG TERM PTFLO # 14
 VANGUARD N J TAX EXEMPT FD           92204F206       246     21,830 SH              X   X              21,830
 LONG TERM PTFLO # 14
 VANGUARD INTERMEDIATE TERM           922907209     1,845    143,717 SH              X   X             143,717
 TAX EXEMPT BOND FUND
 VIACOM INC CL A                      925524100       465      8,700 SH          X                       8,700

 VODAFONE AIRTOUCH PLC                92857T107       124      2,235 SH          X                       2,235

 VODAFONE AIRTOUCH PLC                92857T107     1,806     32,500 SH              X   X              32,500

 WAL MART STORES INC COM              931142103     1,299     22,995 SH          X                      22,995

 WAL MART STORES INC COM              931142103       650     11,500 SH              X   X              11,500

 WALGREEN CO COM                      931422109       263     10,207 SH          X                      10,207

 WALGREEN CO COM                      931422109       474     18,400 SH              X   X              18,400

 WARNER LAMBERT CO COM                934488107       129      1,316 SH          X                       1,316

 WARNER LAMBERT CO COM                934488107     1,641     16,800 SH              X   X              16,800

 WASHINGTON MUT INC COM               939322103     1,395     52,630 SH          X                      52,630

 WASHINGTON MUT INC COM               939322103       583     22,000 SH              X   X              22,000

 WASTE MANAGEMENT INC COM             94106L109       371     27,133 SH          X                      27,133

 WELLPOINT HEALTH NETWORKS INC NEW    94973H108       611      8,750 SH          X                       8,750
 COM
 WELLPOINT HEALTH NETWORKS INC NEW    94973H108       280      4,000 SH              X   X               4,000
 COM
 WELLS FARGO CO COM                   949746101       343      8,428 SH          X                       8,428

 WELLS FARGO CO COM                   949746101       526     12,900 SH              X   X              12,900

 WILLIAMS COS INC COM                 969457100       367      8,345 SH          X                       8,345

 WILLIAMS COS INC COM                 969457100       450     10,250 SH              X   X              10,250

                                               ----------
          PAGE TOTAL                               16,318
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00         PAGE   16
                                                                    AS OF 03/31/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
<S>                                  <C>       <C>       <C>        <C> <C>    <C> <C> <C> <C>      <C>        <C>        <C>
 WILMINGTON TR CORP COM               971807102       326      6,700 SH              X   X               6,700

 XILINX INC COM                       983919101     2,565     30,970 SH          X                      30,970

 XILINX INC COM                       983919101        36        440 SH              X   X                 440

 XEROX CORP COM                       984121103        68      2,600 SH          X                       2,600

 XEROX CORP COM                       984121103       151      5,800 SH              X   X               5,800

 NEW ZEALAND FUND LTD PARTNERSHIP     990213886       909     59,191 SH              X   X              59,191

                                               ----------
          PAGE TOTAL                                4,055
                                               ==========
         FINAL TOTALS                             253,455
</TABLE>


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