TIAA CREF TRUST CO FSB/MO
13F-HR, 2000-10-11
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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:   09/30/2000

Your Form 13F Cover Page Detail

<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/04/00         PAGE    1
                                                                    AS OF 09/30/00
 - - - - - 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>
 AMDOCS LTD COM                       G02602103     1,594     25,560 SH          X                      25,560

 AMDOCS LTD COM                       G02602103       143      2,300 SH              X   X               2,300

 TRANSOCEAN SEDCO FOREX INC COM       G90078109     1,102     18,791 SH          X                      18,791

 TRANSOCEAN SEDCO FOREX INC COM       G90078109       229      3,898 SH              X   X               3,898

 AFLAC INC COM                        001055102       168      2,600 SH          X                       2,600

 AFLAC INC COM                        001055102       108      1,666 SH              X   X               1,666

 AMR CORP DEL COM                     001765106       910     27,775 SH          X                      27,775

 AMR CORP DEL COM                     001765106        66      2,000 SH              X   X               2,000

 AT&T CORP COM                        001957109       857     29,186 SH          X                      29,186

 AT&T CORP COM                        001957109     1,039     35,364 SH              X   X              35,364

 AT&T CORP LIBERTY MEDIA A COM        001957208       261     14,448 SH          X                      14,448

 AT&T CORP LIBERTY MEDIA A COM        001957208         7        400 SH              X   X                 400

 ABBOTT LABS COM                      002824100       398      8,362 SH          X                       8,362

 ABBOTT LABS COM                      002824100     2,251     47,317 SH              X   X              47,317

 AGRIBRANDS INTERNATIONAL INC COM     00849R105       349      8,000 SH          X                       8,000

 AIR PRODS & CHEMS INC COM            009158106       214      5,944 SH              X   X               5,944

 AKZO NOBEL N V SPONSORED ADR         010199305       450     10,680 SH          X                      10,680

 AKZO NOBEL N V SPONSORED ADR         010199305        21        496 SH              X   X                 496

 ALLEGHENY ENERGY INC COM             017361106       496     12,981 SH              X   X              12,981

 ALLIANCE CAPITAL MGMT HOLD COM       01855A101     1,003     20,000 SH              X   X              20,000

 ALLSTATE CORP COM                    020002101       536     15,434 SH          X                      15,434

 ALLSTATE CORP COM                    020002101       242      6,964 SH              X   X               6,964

 ALLTEL CORP COM                      020039103       273      5,228 SH          X                       5,228

 ALLTEL CORP COM                      020039103       739     14,158 SH              X   X              14,158

 ALTERA CORP COM                      021441100       280      5,872 SH          X                       5,872

                                               ----------
          PAGE TOTAL                               13,736
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/04/00         PAGE    2
                                                                    AS OF 09/30/00
 - - - - - 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       165      3,940 SH          X                       3,940

 AMEREN CORP COM                      023608102       414      9,893 SH              X   X               9,893

 AMERICA ONLINE INC DEL COM           02364J104       127      2,356 SH          X                       2,356

 AMERICA ONLINE INC DEL COM           02364J104       323      6,000 SH              X   X               6,000

 AMERICAN EXPRESS CO COM              025816109       458      7,535 SH          X                       7,535

 AMERICAN EXPRESS CO COM              025816109       942     15,506 SH              X   X              15,506

 AMERICAN HOME PRODS CORP COM         026609107     2,253     39,918 SH          X                      39,368        550

 AMERICAN HOME PRODS CORP COM         026609107     1,465     25,955 SH              X   X              25,955

 AMERICAN INTL GROUP INC COM          026874107       918      9,592 SH          X                       9,592

 AMERICAN INTL GROUP INC COM          026874107       407      4,257 SH              X   X               4,257

 AMERICAN SHARED HOSPITAL SERVICE COM 029595105        43     17,992 SH              X   X              17,992

 AMERICAN WTR WKS INC COM             030411102       447     16,223 SH              X   X              16,223

 AMGEN INC COM                        031162100     2,842     40,698 SH          X                      40,698

 AMGEN INC COM                        031162100     1,810     25,922 SH              X   X              25,922

 ANADARKO PETE CORP COM               032511107        36        535 SH          X                         535

 ANADARKO PETE CORP COM               032511107       351      5,277 SH              X   X               5,277

 ANALOG DEVICES INC COM               032654105       322      3,890 SH          X                       3,890

 ANHEUSER BUSCH COS INC COM           035229103       440     10,394 SH          X                      10,394

 ANHEUSER BUSCH COS INC COM           035229103     1,100     26,000 SH              X   X              26,000

 APACHE CORP COM                      037411105       677     11,450 SH          X                      11,450

 APACHE CORP COM                      037411105       197      3,325 SH              X   X               3,325

 APPLIED MATLS INC COM                038222105        79      1,328 SH          X                       1,328

 APPLIED MATLS INC COM                038222105       254      4,290 SH              X   X               4,290

 ARK MARYLAND TAX FREE FD CL A        040711731       226     23,400 SH              X   X              23,400

 ASSOCIATES FIRST CAP CORP CL A       046008108        48      1,275 SH          X                       1,275

                                               ----------
          PAGE TOTAL                               16,344
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/04/00         PAGE    3
                                                                    AS OF 09/30/00
 - - - - - 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>
 ASSOCIATES FIRST CAP CORP CL A       046008108       554     14,574 SH              X   X              14,574

 AUTOMATIC DATA PROCESSING COM        053015103       998     14,918 SH          X                      14,918

 AUTOMATIC DATA PROCESSING COM        053015103     1,522     22,755 SH              X   X              22,755

 BP AMOCO SPON ADR                    055622104     1,138     21,471 SH          X                      21,471

 BP AMOCO SPON ADR                    055622104     2,376     44,839 SH              X   X              44,839

 BMC SOFTWARE INC COM                 055921100       946     49,439 SH          X                      49,439

 BMC SOFTWARE INC COM                 055921100       267     13,975 SH              X   X              13,975

 BANK OF AMERICA CORP COM             060505104       839     16,012 SH          X                      16,012

 BANK OF AMERICA CORP COM             060505104     5,956    113,713 SH              X   X             113,713

 BANK NEW YORK INC COM                064057102       467      8,262 SH          X                       8,262

 BANK NEW YORK INC COM                064057102        47        840 SH              X   X                 840

 BANK ONE CORP COM                    06423A103       120      3,163 SH          X                       3,163

 BANK ONE CORP COM                    06423A103       383     10,053 SH              X   X              10,053

 BECTON DICKINSON & CO COM            075887109        53      2,000 SH          X                       2,000

 BECTON DICKINSON & CO COM            075887109       349     13,200 SH              X   X              13,200

 BELLSOUTH CORP COM                   079860102       466     11,512 SH          X                      11,512

 BELLSOUTH CORP COM                   079860102       420     10,382 SH              X   X              10,382

 BERKSHIRE HATHAWAY INC CL-A COM      084670108       386          6 SH              X   X                   6

 BESTFOODS COM                        08658U101        15        200 SH          X                         200

 BESTFOODS COM                        08658U101       189      2,600 SH              X   X               2,600

 BIOMET INC COM                       090613100         5        150 SH          X                         150

 BIOMET INC COM                       090613100       347      9,900 SH              X   X               9,900

 BLOCK H & R INC COM                  093671105        19        525 SH          X                         525

 BLOCK H & R INC COM                  093671105       536     14,455 SH              X   X              14,455

 BOEING CO COM                        097023105       127      2,023 SH          X                       2,023

                                               ----------
          PAGE TOTAL                               18,525
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/04/00         PAGE    4
                                                                    AS OF 09/30/00
 - - - - - 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>
 BOEING CO COM                        097023105       402      6,404 SH              X   X               6,404

 BRISTOL MYERS SQUIBB CO COM          110122108     1,771     30,799 SH          X                      30,799

 BRISTOL MYERS SQUIBB CO COM          110122108     2,286     39,765 SH              X   X              39,765

 BROADWING INC COM                    111620100     1,445     56,525 SH          X                      56,525

 BROADWING INC COM                    111620100       570     22,300 SH              X   X              22,300

 BURLINGTON NORTHN SANTA FE CORP COM  12189T104        13        600 SH          X                         600

 BURLINGTON NORTHN SANTA FE CORP COM  12189T104       205      9,500 SH              X   X               9,500

 BURLINGTON RES INC COM               122014103        78      2,123 SH          X                       2,123

 BURLINGTON RES INC COM               122014103       288      7,825 SH              X   X               7,825

 CIGNA CORP COM                       125509109       117      1,125 SH          X                       1,125

 CIGNA CORP COM                       125509109       125      1,200 SH              X   X               1,200

 CALPINE CORP COM                     131347106       835      8,000 SH          X                       8,000

 CARDINAL HEALTH INC COM              14149Y108     2,087     23,670 SH          X                      23,670

 CARDINAL HEALTH INC COM              14149Y108       822      9,316 SH              X   X               9,316

 CENDANT CORP COM                     151313103        41      3,800 SH          X                       3,800

 CENDANT CORP COM                     151313103       122     11,200 SH              X   X              11,200

 CHASE MANHATTAN CORP NEW             16161A108     1,520     32,910 SH          X                      32,910

 CHASE MANHATTAN CORP NEW             16161A108       235      5,096 SH              X   X               5,096

 CHEVRON CORP COM                     166751107       368      4,316 SH          X                       4,316

 CHEVRON CORP COM                     166751107       204      2,389 SH              X   X               2,389

 CIENA CORP COM                       171779101        25        200 SH          X                         200

 CIENA CORP COM                       171779101       295      2,400 SH              X   X               2,400

 CISCO SYS INC COM                    17275R102     1,597     28,906 SH          X                      28,306        600

 CISCO SYS INC COM                    17275R102    15,419    279,082 SH              X   X             279,082

 CITIGROUP INC COM                    172967101       908     16,788 SH          X                      16,788

                                               ----------
          PAGE TOTAL                               31,778
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/04/00         PAGE    5
                                                                    AS OF 09/30/00
 - - - - - 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>
 CITIGROUP INC COM                    172967101       282      5,221 SH              X   X               5,221

 COASTAL CORP COM                     190441105     1,126     15,190 SH          X                      15,190

 COASTAL CORP COM                     190441105       330      4,450 SH              X   X               4,450

 COCA COLA CO COM                     191216100       885     16,051 SH          X                      16,051

 COCA COLA CO COM                     191216100       225      4,074 SH              X   X               4,074

 COLGATE PALMOLIVE CO COM             194162103       199      4,225 SH          X                       4,225

 COLGATE PALMOLIVE CO COM             194162103       916     19,400 SH              X   X              19,400

 COMPAQ COMPUTER CORP COM             204493100     1,904     69,169 SH          X                      69,169

 COMPAQ COMPUTER CORP COM             204493100       755     27,421 SH              X   X              27,421

 COMPUTER SCIENCES CORP COM           205363104       907     12,215 SH          X                      12,215

 COMPUTER SCIENCES CORP COM           205363104       108      1,450 SH              X   X               1,450

 CONAGRA INC COM                      205887102        42      2,093 SH          X                       2,093

 CONAGRA INC COM                      205887102       393     19,578 SH              X   X              19,578

 COMSHARE INC CO COM                  205912108        77     18,000 SH          X                      18,000

 CONOCO INC CL B COM                  208251405     1,087     40,350 SH          X                      40,350

 CONOCO INC CL B COM                  208251405       216      8,012 SH              X   X               8,012

 CONSTELLATION ENERGY GROUP COM       210371100     1,127     22,640 SH          X                      22,640

 CONSTELLATION ENERGY GROUP COM       210371100        75      1,500 SH              X   X               1,500

 DANA CORP COM                        235811106     1,133     52,675 SH          X                      52,675

 DANA CORP COM                        235811106       588     27,350 SH              X   X              27,350

 DELTA AIR LINES INC COM              247361108       288      6,490 SH          X                       6,490

 DISNEY WALT CO COM                   254687106       425     11,122 SH          X                      11,122

 DISNEY WALT CO COM                   254687106       481     12,575 SH              X   X              12,575

 DOW CHEM CO COM                      260543103        70      2,800 SH          X                       2,800

 DOW CHEM CO COM                      260543103       262     10,500 SH              X   X              10,500

                                               ----------
          PAGE TOTAL                               13,901
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/04/00         PAGE    6
                                                                    AS OF 09/30/00
 - - - - - 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>
 DU PONT E I DE NEMOURS & CO COM      263534109       498     12,191 SH          X                      12,191

 DU PONT E I DE NEMOURS & CO COM      263534109       272      6,651 SH              X   X               6,651

 DUKE ENERGY CORP COM                 264399106     1,354     15,783 SH          X                      15,783

 DUKE ENERGY CORP COM                 264399106       280      3,260 SH              X   X               3,260

 E M C CORP MASS COM                  268648102     1,005     10,099 SH          X                      10,099

 E M C CORP MASS COM                  268648102       184      1,850 SH              X   X               1,850

 EDISON INTL COM                      281020107        64      3,332 SH          X                       3,332

 EDISON INTL COM                      281020107       663     34,272 SH              X   X              34,272

 EDWARDS A G INC COM                  281760108         0          0 SH          X

 EDWARDS A G INC COM                  281760108       225      4,300 SH              X   X               4,300

 EL PASO ENERGY CORP DEL COM          283905107       222      3,600 SH          X                       3,600

 EL PASO ENERGY CORP DEL COM          283905107       500      8,113 SH              X   X               8,113

 EMERSON ELEC CO COM                  291011104       457      6,827 SH          X                       6,827

 EMERSON ELEC CO COM                  291011104     1,193     17,803 SH              X   X              17,803

 ENERGIZER HLDGS INC-W/I COM          29266R108     4,815    196,513 SH          X                     196,513

 ENERGIZER HLDGS INC-W/I COM          29266R108       216      8,818 SH              X   X               8,818

 ENRON CORP COM                       293561106       438      5,000 SH          X                       5,000

 ENRON CORP COM                       293561106     1,284     14,648 SH              X   X              14,648

 ERICSSON L M TEL CO ADR CL B SEK 10  294821400       341     23,040 SH          X                      23,040

 ERICSSON L M TEL CO ADR CL B SEK 10  294821400         7        500 SH              X   X                 500

 EXXON MOBIL CORP COM                 30231G102     3,649     40,953 SH          X                      40,953

 EXXON MOBIL CORP COM                 30231G102     2,048     22,979 SH              X   X              22,979

 FPL GROUP INC COM                    302571104       270      4,100 SH              X   X               4,100

 FEDERAL HOME LN MTG CORP VT COM      313400301        96      1,770 SH          X                       1,770

 FEDERAL HOME LN MTG CORP VT COM      313400301       115      2,118 SH              X   X               2,118

                                               ----------
          PAGE TOTAL                               20,196
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/04/00         PAGE    7
                                                                    AS OF 09/30/00
 - - - - - 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>
 FEDERAL NATL MTG ASSN COM            313586109       577      8,068 SH          X                       8,068

 FEDERAL NATL MTG ASSN COM            313586109       604      8,445 SH              X   X               8,445

 FIDELITY MUN TR                      316203207       305     30,478 SH              X   X              30,478
 SPR SHTM MUNINC
 FIFTH THIRD BANCORP COM              316773100       162      3,000 SH          X                       3,000

 FIFTH THIRD BANCORP COM              316773100        61      1,140 SH              X   X               1,140

 FIRST UN CORP COM                    337358105        72      2,226 SH          X                       2,226

 FIRST UN CORP COM                    337358105       174      5,392 SH              X   X               5,392

 FIRSTAR CORPORATION COM              33763V109     1,716     76,687 SH          X                      76,687

 FIRSTAR CORPORATION COM              33763V109       782     34,957 SH              X   X              34,957

 FLEET BOSTON FINANCIAL CORP COM      339030108       223      5,718 SH          X                       5,718

 FLEET BOSTON FINANCIAL CORP COM      339030108       269      6,903 SH              X   X               6,903

 FORD MTR CO DEL COM PAR $0.01        345370860       224      8,798 SH          X                       8,798

 FORD MTR CO DEL COM PAR $0.01        345370860     1,209     47,416 SH              X   X              47,416

 FOREST LABS INC COM                  345838106       218      1,900 SH          X                       1,900

 FORT JAMES CORP COM                  347471104       963     31,525 SH          X                      31,525

 FORT JAMES CORP COM                  347471104       251      8,200 SH              X   X               8,200

 FRANKLIN MO TAX FREE INCOME FUND     354723819       257     22,567 SH              X   X              22,567
 CL A
 GATEWAY INC COM                      367626108       169      3,500 SH          X                       3,500

 GATEWAY INC COM                      367626108        53      1,100 SH              X   X               1,100

 GENERAL ELEC CO COM                  369604103     5,945    102,823 SH          X                     102,823

 GENERAL ELEC CO COM                  369604103     7,248    125,376 SH              X   X             125,376

 GENERAL MILLS INC COM                370334104       570     16,046 SH          X                      15,830        216

 GENERAL MILLS INC COM                370334104        85      2,400 SH              X   X               2,400

 GENERAL MTRS CORP COM                370442105       231      3,550 SH          X                       3,550

 GENERAL MTRS CORP COM                370442105       507      7,800 SH              X   X               7,800

                                               ----------
          PAGE TOTAL                               22,875
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/04/00         PAGE    8
                                                                    AS OF 09/30/00
 - - - - - 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>
 GENERAL MTRS CORP CL H NEW           370442832        20        525 SH          X                         525

 GENERAL MTRS CORP CL H NEW           370442832       234      6,300 SH              X   X               6,300

 GENSYM CORP COM                      37245R107        30     10,000 SH          X                      10,000

 GENUINE PARTS CO COM                 372460105        12        606 SH          X                         606

 GENUINE PARTS CO COM                 372460105       443     23,222 SH              X   X              23,222

 GRAINGER W W INC COM                 384802104       295     11,200 SH              X   X              11,200

 GREY ADVERTISING INC COM             39787M108       279        450 SH              X   X                 450

 HALLIBURTON CO COM                   406216101        82      1,685 SH          X                       1,685

 HALLIBURTON CO COM                   406216101       235      4,800 SH              X   X               4,800

 HARTFORD FINL SVCS GROUP INC COM     416515104     3,298     45,255 SH          X                      45,255

 HARTFORD FINL SVCS GROUP INC COM     416515104       815     11,180 SH              X   X              11,180

 HEALTHSOUTH CORP COM                 421924101        86     10,700 SH          X                      10,700

 HEALTHSOUTH CORP COM                 421924101         8      1,000 SH              X   X               1,000

 HEALTH MGMT ASSOC INC NEW CL A       421933102       771     37,050 SH          X                      37,050

 HEALTH MGMT ASSOC INC NEW CL A       421933102        26      1,235 SH              X   X               1,235

 HERSHEY FOODS CORP COM               427866108       225      4,149 SH              X   X               4,149

 HEWLETT PACKARD CO COM               428236103       467      4,794 SH          X                       4,794

 HEWLETT PACKARD CO COM               428236103        88        906 SH              X   X                 906

 HIRSCH CHEMIE LTD                    433548104         1     12,500 SH          X                      12,500

 HOME DEPOT INC COM                   437076102     1,139     21,518 SH          X                      21,293        225

 HOME DEPOT INC COM                   437076102       512      9,675 SH              X   X               9,675

 HONEYWELL INTERNATIONAL INC COM      438516106       278      7,809 SH          X                       7,809

 HONEYWELL INTERNATIONAL INC COM      438516106        30        855 SH              X   X                 855

 HOUSEHOLD INTERNATIONAL INC COM      441815107        34        600 SH          X                         600

 HOUSEHOLD INTERNATIONAL INC COM      441815107       408      7,200 SH              X   X               7,200

                                               ----------
          PAGE TOTAL                                9,816
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/04/00         PAGE    9
                                                                    AS OF 09/30/00
 - - - - - 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>
 IMMULOGIC PHARMACEUTICAL CORP COM    45252R100         5     28,673 SH          X                      28,673

 INTEL CORP COM                       458140100     3,548     85,356 SH          X                      85,056        300

 INTEL CORP COM                       458140100     2,934     70,600 SH              X   X              70,600

 INTERMEDIA INC CL A CONV PREF STK    458993953         0     28,572 SH              X   X              28,572

 INTERNATIONAL BUSINESS MACHS COM     459200101       595      5,279 SH          X                       5,279

 INTERNATIONAL BUSINESS MACHS COM     459200101     2,051     18,209 SH              X   X              18,209

 INTERNATIONAL PAPER CO COM           460146103       153      5,320 SH          X                       5,320

 INTERNATIONAL PAPER CO COM           460146103       142      4,965 SH              X   X               4,965

 IPALCO ENTERPRISES INC COM           462613100        23      1,000 SH          X                       1,000

 IPALCO ENTERPRISES INC COM           462613100       206      9,000 SH              X   X               9,000

 JOHNSON & JOHNSON COM                478160104     1,399     14,892 SH          X                      14,892

 JOHNSON & JOHNSON COM                478160104       938      9,984 SH              X   X               9,984

 KIMBERLY CLARK CORP COM              494368103       411      7,365 SH          X                       7,365

 KIMBERLY CLARK CORP COM              494368103       842     15,092 SH              X   X              15,092

 LACLEDE GAS CO COM                   505588103       130      6,000 SH          X                       6,000

 LACLEDE GAS CO COM                   505588103        93      4,300 SH              X   X               4,300

 LANDAUER INC COM                     51476K103       189     10,000 SH              X   X              10,000

 LEBENTHAL FDS INC                    523216208       127     16,195 SH          X                      16,195
 N Y MUN BD FD
 LEHMAN BROTHERS HLDGS INC COM        524908100     2,698     18,150 SH          X                      18,050        100

 LEHMAN BROTHERS HLDGS INC COM        524908100     1,694     11,395 SH              X   X              11,395

 LILLY ELI & CO COM                   532457108       661      8,150 SH          X                       8,150

 LILLY ELI & CO COM                   532457108       284      3,500 SH              X   X               3,500

 LIMITED INC COM                      532716107       673     30,502 SH          X                      30,502

 LIMITED INC COM                      532716107       154      7,000 SH              X   X               7,000

 LINEAR TECHNOLOGY CORP               535678106       499      7,700 SH          X                       7,700

                                               ----------
          PAGE TOTAL                               20,449
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/04/00         PAGE   10
                                                                    AS OF 09/30/00
 - - - - - 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>
 LOWES COMPANIES INC COM              548661107       950     21,173 SH          X                      21,173

 LOWES COMPANIES INC COM              548661107       396      8,820 SH              X   X               8,820

 LUCENT TECHNOLOGIES INC COM          549463107     1,109     36,363 SH          X                      36,363

 LUCENT TECHNOLOGIES INC COM          549463107       948     31,093 SH              X   X              31,093

 MBNA CORP COM                        55262L100       131      3,415 SH          X                       3,415

 MBNA CORP COM                        55262L100     2,219     57,648 SH              X   X              57,648

 MFS CALIFORNIA MUNICIPAL BOND FUND   55273N590        68     12,109 SH          X                      12,109
 CLASS A
 MARSH & MC LENNAN COS INC COM        571748102       263      1,980 SH          X                       1,980

 MARSH & MC LENNAN COS INC COM        571748102       215      1,617 SH              X   X               1,617

 MAY DEPT STORES CO COM               577778103        31      1,500 SH          X                       1,500

 MAY DEPT STORES CO COM               577778103       172      8,369 SH              X   X               8,369

 MCDONALDS CORP COM                   580135101       362     11,997 SH          X                      11,997

 MCDONALDS CORP COM                   580135101       477     15,800 SH              X   X              15,800

 MCGRAW HILL COMPANIES INC            580645109       191      3,000 SH          X                       3,000

 MCGRAW HILL COMPANIES INC            580645109       305      4,800 SH              X   X               4,800

 MEAD CORP COM                        582834107       789     33,760 SH          X                      33,760

 MEAD CORP COM                        582834107       352     15,058 SH              X   X              15,058

 MEDTRONIC INC COM                    585055106       539     10,400 SH          X                      10,400

 MEDTRONIC INC COM                    585055106       271      5,225 SH              X   X               5,225

 MELLON FINANCIAL CORP COM            58551A108        37        800 SH          X                         800

 MELLON FINANCIAL CORP COM            58551A108       278      6,000 SH              X   X               6,000

 MERCK & CO INC COM                   589331107    15,456    207,641 SH          X                     207,641

 MERCK & CO INC COM                   589331107     2,241     30,099 SH              X   X              30,099

 MERRILL LYNCH & CO INC COM           590188108       310      4,700 SH          X                       4,700

 MERRILL LYNCH & CO INC COM           590188108       673     10,196 SH              X   X              10,196

                                               ----------
          PAGE TOTAL                               28,783
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/04/00         PAGE   11
                                                                    AS OF 09/30/00
 - - - - - 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>
 MICROSOFT CORP COM                   594918104     2,116     35,089 SH          X                      35,089

 MICROSOFT CORP COM                   594918104       947     15,700 SH              X   X              15,700

 MINNESOTA MNG & MFG CO COM           604059105       267      2,932 SH          X                       2,932

 MINNESOTA MNG & MFG CO COM           604059105       448      4,920 SH              X   X               4,920

 MORGAN J P & CO INC COM              616880100       199      1,218 SH          X                       1,218

 MORGAN J P & CO INC COM              616880100     2,250     13,775 SH              X   X              13,775

 MORGAN STANLEY DEAN WITTER & COMPANY 617446448     1,228     13,434 SH          X                      13,434
 COM NEW
 MORGAN STANLEY DEAN WITTER & COMPANY 617446448       618      6,756 SH              X   X               6,756
 COM NEW
 MOTOROLA INC COM                     620076109       334     11,335 SH          X                      11,335

 MOTOROLA INC COM                     620076109       925     31,350 SH              X   X              31,350

 MURPHY OIL CORP COM                  626717102        41        630 SH          X                         630

 MURPHY OIL CORP COM                  626717102       194      3,000 SH              X   X               3,000

 NATIONAL COMM BANCORPORATION COM     635449101        18        900 SH          X                         900

 NATIONAL COMM BANCORPORATION COM     635449101       696     34,933 SH              X   X              34,933

 NOKIA CORP SPON ADR CL A             654902204     1,853     46,320 SH          X                      46,320

 NOKIA CORP SPON ADR CL A             654902204       854     21,340 SH              X   X              21,340

 NORTEL NETWORKS CORP NEW COM         656568102       806     13,541 SH          X                      13,541

 NORTEL NETWORKS CORP NEW COM         656568102       477      8,014 SH              X   X               8,014

 NORTHERN TRUST CORP COM              665859104       408      4,590 SH          X                       4,590

 NORTHERN TRUST CORP COM              665859104       116      1,304 SH              X   X               1,304

 NORTHROP GRUMMAN CORP COM            666807102     1,341     14,758 SH          X                      14,758

 NORTHROP GRUMMAN CORP COM            666807102       436      4,800 SH              X   X               4,800

 OMNICOM GROUP COM                    681919106       199      2,725 SH          X                       2,725

 OMNICOM GROUP COM                    681919106        15        200 SH              X   X                 200

 ONEOK INC NEW COM                    682680103       239      6,000 SH              X   X               6,000

                                               ----------
          PAGE TOTAL                               17,025
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/04/00         PAGE   12
                                                                    AS OF 09/30/00
 - - - - - 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>
 ORACLE CORP COM                      68389X105     2,594     32,936 SH          X                      32,736        200

 ORACLE CORP COM                      68389X105     1,447     18,380 SH              X   X              18,380

 ORTHOLOGIC CORP COM                  68750J107       273     91,154 SH              X   X              91,154

 TSINGTAO BREWERY CO LTD ORD H SH     6905808           3     10,000 SH          X                      10,000

 PPG INDS INC COM                     693506107       480     12,100 SH          X                      12,100

 PPG INDS INC COM                     693506107       476     12,000 SH              X   X              12,000

 PEPSICO INC COM                      713448108     1,093     23,765 SH          X                      23,765

 PEPSICO INC COM                      713448108     1,050     22,816 SH              X   X              22,816

 PFIZER INC COM                       717081103     1,644     36,602 SH          X                      36,602

 PFIZER INC COM                       717081103     3,460     77,025 SH              X   X              77,025

 PHARMACIA CORPORATION COM            71713U102       452      7,505 SH          X                       7,505

 PHARMACIA CORPORATION COM            71713U102       569      9,450 SH              X   X               9,450

 PHILADELPHIA SUBN CORP COM NEW       718009608        17        716 SH          X                         716

 PHILADELPHIA SUBN CORP COM NEW       718009608       209      9,000 SH              X   X               9,000

 PHILIP MORRIS COS INC COM            718154107       449     15,254 SH          X                      15,254

 PHILIP MORRIS COS INC COM            718154107       706     23,983 SH              X   X              23,983

 PHILLIPS PETE CO COM                 718507106       311      4,953 SH          X                       4,953

 PRICE T ROWE & ASSOC INC COM         741477103         5        100 SH          X                         100

 PRICE T ROWE & ASSOC INC COM         741477103       537     11,433 SH              X   X              11,433

 PROCTER & GAMBLE CO COM              742718109     1,331     19,870 SH          X                      19,870

 PROCTER & GAMBLE CO COM              742718109       960     14,322 SH              X   X              14,322

 QUALCOMM INC COM                     747525103       232      3,250 SH          X                       3,250

 QWEST COMMUNICATIONS INTL            749121109     2,262     47,004 SH          X                      47,004

 QWEST COMMUNICATIONS INTL            749121109       884     18,368 SH              X   X              18,368

 RADIOSHACK CORP COM                  750438103       362      5,600 SH          X                       5,600

                                               ----------
          PAGE TOTAL                               21,806
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/04/00         PAGE   13
                                                                    AS OF 09/30/00
 - - - - - 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>
 RADIOSHACK CORP COM                  750438103       129      2,000 SH              X   X               2,000

 RALSTON PURINA CO COM RALSTON PURINA 751277302    15,528    655,536 SH          X                     651,336      4,200
 GROUP
 RALSTON PURINA CO COM RALSTON PURINA 751277302       912     38,505 SH              X   X              38,505
 GROUP
 RATIONAL SOFTWARE CORP COM           75409P202       250      3,600 SH          X                       3,600

 RAYTHEON CO CL B                     755111408        77      2,700 SH          X                       2,700

 RAYTHEON CO CL B                     755111408       458     16,100 SH              X   X              16,100

 RELIANT ENERGY INC COM               75952J108       249      5,365 SH          X                       5,365

 RELIANT ENERGY INC COM               75952J108        64      1,375 SH              X   X               1,375

 REUTERS GROUP PLC SPONSORED ADR      76132M102       731      6,504 SH              X   X               6,504

 ROCHESTER MUNI INC FD                771362100       497     28,835 SH          X                      28,835

 ROYAL DUTCH PETE CO N Y REGISTRY SH  780257804     1,265     21,098 SH          X                      21,098
 PAR N GLDR 1.25
 ROYAL DUTCH PETE CO N Y REGISTRY SH  780257804       485      8,096 SH              X   X               8,096
 PAR N GLDR 1.25
 SBC COMMUNICATIONS INC COM           78387G103     2,295     46,006 SH          X                      46,006

 SBC COMMUNICATIONS INC COM           78387G103     3,579     71,769 SH              X   X              71,769

 ST PAUL COS INC COM                  792860108     2,345     46,545 SH          X                      46,545

 ST PAUL COS INC COM                  792860108     1,189     23,600 SH              X   X              23,600

 SCHERING PLOUGH CORP COM             806605101     1,451     31,172 SH          X                      31,172

 SCHERING PLOUGH CORP COM             806605101     1,903     40,865 SH              X   X              40,865

 SCHLUMBERGER LTD COM                 806857108       360      4,369 SH          X                       4,369

 SCHLUMBERGER LTD COM                 806857108       753      9,150 SH              X   X               9,150

 SCHWAB CHARLES CORP NEW COM          808513105        23        645 SH          X                         645

 SCHWAB CHARLES CORP NEW COM          808513105       179      5,050 SH              X   X               5,050

 SELIGMAN CALIFORNIA MUNICIPAL        816351209        77     11,866 SH          X                      11,866
 TRUST QUALITY FUND CLASS A
 SERVICEMASTER CO COM                 81760N109        44      4,423 SH          X                       4,423

 SERVICEMASTER CO COM                 81760N109       484     48,975 SH              X   X              48,975

                                               ----------
          PAGE TOTAL                               35,327
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/04/00         PAGE   14
                                                                    AS OF 09/30/00
 - - - - - 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>
 SIGMA ALDRICH CORP COM               826552101       264      8,000 SH              X   X               8,000

 SMITHKLINE BEECHAM P L C             832378301       786     11,450 SH          X                      11,450
 ADR REPSTG ORD A
 SMITHKLINE BEECHAM P L C             832378301       123      1,792 SH              X   X               1,792
 ADR REPSTG ORD A
 SOLECTRON CORP COM                   834182107     2,191     47,510 SH          X                      47,510

 SOLECTRON CORP COM                   834182107       112      2,430 SH              X   X               2,430

 SOLUTIA INC COM                      834376105       721     63,392 SH          X                      63,392

 SOLUTIA INC COM                      834376105       446     39,200 SH              X   X              39,200

 SOUTHWEST AIRLS CO COM               844741108        30      1,250 SH          X                       1,250

 SOUTHWEST AIRLS CO COM               844741108       290     11,975 SH              X   X              11,975

 SPRINT CORP COM (FON GROUP)          852061100       569     19,415 SH          X                      19,415

 SPRINT CORP COM (FON GROUP)          852061100       380     12,950 SH              X   X              12,950

 SPRINT CORP (PCS GROUP) COM          852061506       492     14,020 SH          X                      14,020

 SPRINT CORP (PCS GROUP) COM          852061506       442     12,570 SH              X   X              12,570

 STATE STR CORP COM                   857477103       141      1,083 SH          X                       1,083

 STATE STR CORP COM                   857477103       138      1,060 SH              X   X               1,060

 SUN MICROSYSTEMS INC COM             866810104       710      6,081 SH          X                       6,081

 SUN MICROSYSTEMS INC COM             866810104       490      4,200 SH              X   X               4,200

 TCSI CORP COM                        87233R106        28     15,000 SH          X                      15,000

 TMP WORLDWIDE INC COM                872941109       936     11,628 SH          X                      11,628

 TARGET CORP COM                      87612E106     1,184     46,218 SH          X                      46,218

 TARGET CORP COM                      87612E106     1,378     53,785 SH              X   X              53,785

 TELEFONICA S A ADR SPONSORED         879382208         4         70 SH          X                          70

 TELEFONICA S A ADR SPONSORED         879382208       566      9,516 SH              X   X               9,516

 TELLABS INC COM                      879664100     1,989     41,659 SH          X                      41,659

 TELLABS INC COM                      879664100       661     13,850 SH              X   X              13,850

                                               ----------
          PAGE TOTAL                               15,071
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/04/00         PAGE   15
                                                                    AS OF 09/30/00
 - - - - - 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>
 TENET HEALTHCARE CORP COM            88033G100       628     17,231 SH          X                      17,231

 TERADYNE INC COM                     880770102       582     16,635 SH          X                      16,635

 TERADYNE INC COM                     880770102        60      1,700 SH              X   X               1,700

 TEVA PHARMACEUTICAL INDS LTD ADR     881624209       293      4,000 SH              X   X               4,000

 TEXACO INC COM                       881694103       137      2,612 SH          X                       2,612

 TEXACO INC COM                       881694103       158      3,000 SH              X   X               3,000

 TEXAS INSTRS INC COM                 882508104       561     11,842 SH          X                      11,842

 TEXAS INSTRS INC COM                 882508104     1,290     27,240 SH              X   X              27,240

 TIDEWATER INC COM                    886423102       260      5,718 SH              X   X               5,718

 TIME WARNER INC COM                  887315109        97      1,244 SH          X                       1,244

 TIME WARNER INC COM                  887315109       304      3,880 SH              X   X               3,880

 TYCO INTL LTD                        902124106     2,435     46,945 SH          X                      46,945

 TYCO INTL LTD                        902124106     1,070     20,630 SH              X   X              20,630

 UNILEVER N V - W/I COM               904784709       219      4,535 SH          X                       4,535

 UNION PAC CORP COM                   907818108       227      5,840 SH          X                       5,840

 UNION PAC CORP COM                   907818108       247      6,336 SH              X   X               6,336

 UNISYS CORP COM                      909214108     1,170    104,000 SH          X                     104,000

 UNISYS CORP COM                      909214108       343     30,500 SH              X   X              30,500

 UNITED TECHNOLOGIES CORP COM         913017109       195      2,815 SH          X                       2,815

 UNITED TECHNOLOGIES CORP COM         913017109       371      5,350 SH              X   X               5,350

 UNOCAL CORP COM                      915289102     1,688     47,631 SH          X                      47,631

 UNOCAL CORP COM                      915289102       312      8,800 SH              X   X               8,800

 VALSPAR CORP COM                     920355104         4        180 SH          X                         180

 VALSPAR CORP COM                     920355104       815     35,440 SH              X   X              35,440

 VANGUARD TOTAL BOND                  921937108       943     96,774 SH              X   X              96,774
 MARKET INDEX FUND
                                               ----------
          PAGE TOTAL                               14,409
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/04/00         PAGE   16
                                                                    AS OF 09/30/00
 - - - - - 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>
 VANGUARD FIXED INCOME SEC FD         922031208        72     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       249     21,830 SH              X   X              21,830
 LONG TERM PTFLO # 14
 VANGUARD MASS HIGH- GRADE TA         92204X108       228     24,116 SH          X                      24,116
 COM
 VANGUARD INTERMEDIATE TERM           922907209       784     60,345 SH          X                      60,345
 TAX EXEMPT BOND FUND
 VANGUARD INTERMEDIATE TERM           922907209       849     65,337 SH              X   X              65,337
 TAX EXEMPT BOND FUND
 VERIZON COMMUNICATIONS COM           92343V104       832     17,182 SH          X                      17,182

 VERIZON COMMUNICATIONS COM           92343V104     2,275     46,965 SH              X   X              46,965

 VIACOM INC CL A                      925524100       509      8,700 SH          X                       8,700

 VIACOM INC CL B COM                  925524308       275      4,703 SH          X                       4,703

 VIACOM INC CL B COM                  925524308       306      5,226 SH              X   X               5,226

 VODAFONE GROUP PLC-SP ADR            92857W100       883     23,855 SH          X                      23,855

 VODAFONE GROUP PLC-SP ADR            92857W100     1,133     30,615 SH              X   X              30,615

 WAL MART STORES INC COM              931142103     1,521     31,614 SH          X                      31,614

 WAL MART STORES INC COM              931142103       898     18,650 SH              X   X              18,650

 WALGREEN CO COM                      931422109       397     10,469 SH          X                      10,469

 WALGREEN CO COM                      931422109       744     19,600 SH              X   X              19,600

 WASHINGTON MUT INC COM               939322103     1,617     40,612 SH          X                      40,612

 WASHINGTON MUT INC COM               939322103       932     23,400 SH              X   X              23,400

 WASTE MANAGEMENT INC COM             94106L109       530     30,407 SH          X                      30,407

 WELLPOINT HEALTH NETWORKS INC NEW    94973H108     1,020     10,625 SH          X                      10,625
 COM
 WELLPOINT HEALTH NETWORKS INC NEW    94973H108       384      4,000 SH              X   X               4,000
 COM
 WELLS FARGO CO COM                   949746101       422      9,178 SH          X                       9,178

 WELLS FARGO CO COM                   949746101       593     12,900 SH              X   X              12,900

 WILLIAMS COS INC COM                 969457100       307      7,275 SH          X                       7,275

                                               ----------
          PAGE TOTAL                               17,802
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/04/00         PAGE   17
                                                                    AS OF 09/30/00
 - - - - - 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>
 WILLIAMS COS INC COM                 969457100       478     11,314 SH              X   X              11,314

 WILMINGTON TR CORP COM               971807102         6        120 SH          X                         120

 WILMINGTON TR CORP COM               971807102       475      8,860 SH              X   X               8,860

 WORLDCOM INC COM                     98157D106       600     19,745 SH          X                      19,745

 WORLDCOM INC COM                     98157D106       329     10,832 SH              X   X              10,832

 XILINX INC COM                       983919101     2,476     28,915 SH          X                      28,915

 XILINX INC COM                       983919101        38        440 SH              X   X                 440

 XEROX CORP COM                       984121103       990     65,998 SH          X                      65,998

 XEROX CORP COM                       984121103       144      9,600 SH              X   X               9,600

 NEW ZEALAND FUND LTD PARTNERSHIP     990213886     1,319     93,382 SH              X   X              93,382

                                               ----------
          PAGE TOTAL                                6,855
                                               ==========
         FINAL TOTALS                             324,698
</TABLE>


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