TIAA CREF TRUST CO FSB/MO
13F-HR, 2001-01-08
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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:   12/31/2000

Your Form 13F Cover Page Detail

<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/01         PAGE    1
                                                                    AS OF 12/31/00
 - - - - - 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>
 AMDOCS LTD COM                       G02602103     1,640     24,760 SH          X                      24,760

 AMDOCS LTD COM                       G02602103       583      8,800 SH              X   X               8,800

 TRANSOCEAN SEDCO FOREX INC COM       G90078109       989     21,498 SH          X                      21,498

 TRANSOCEAN SEDCO FOREX INC COM       G90078109       170      3,705 SH              X   X               3,705

 AFLAC INC COM                        001055102       192      2,660 SH          X                       2,660

 AFLAC INC COM                        001055102       120      1,666 SH              X   X               1,666

 AMR CORP DEL COM                     001765106     1,083     27,630 SH          X                      27,630

 AMR CORP DEL COM                     001765106        78      2,000 SH              X   X               2,000

 AT&T CORP COM                        001957109       583     33,826 SH          X                      33,586                   240

 AT&T CORP COM                        001957109       550     31,894 SH              X   X              31,894

 AT&T CORP LIBERTY MEDIA A COM        001957208       196     14,448 SH          X                      14,448

 AT&T CORP LIBERTY MEDIA A COM        001957208         5        400 SH              X   X                 400

 ABBOTT LABS COM                      002824100       714     14,731 SH          X                      14,731

 ABBOTT LABS COM                      002824100     2,389     49,317 SH              X   X              49,317

 AGRIBRANDS INTERNATIONAL INC COM     00849R105       428      8,000 SH          X                       8,000

 AIR PRODS & CHEMS INC COM            009158106       244      5,944 SH              X   X               5,944

 AKZO NOBEL N V SPONSORED ADR         010199305       426      8,000 SH          X                       8,000

 AKZO NOBEL N V SPONSORED ADR         010199305        26        496 SH              X   X                 496

 ALLEGHENY ENERGY INC COM             017361106       573     11,900 SH              X   X              11,900

 ALLIANCE CAPITAL MGMT HOLD COM       01855A101     1,013     20,000 SH              X   X              20,000

 ALLSTATE CORP COM                    020002101       619     14,210 SH          X                      14,210

 ALLSTATE CORP COM                    020002101       303      6,964 SH              X   X               6,964

 ALLTEL CORP COM                      020039103       368      5,889 SH          X                       5,889

 ALLTEL CORP COM                      020039103       884     14,158 SH              X   X              14,158

 AMEREN CORP COM                      023608102       206      4,446 SH          X                       4,446

                                               ----------
          PAGE TOTAL                               14,382
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/01         PAGE    2
                                                                    AS OF 12/31/00
 - - - - - 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       479     10,338 SH              X   X              10,338

 AMERICA ONLINE INC DEL COM           02364J104       103      2,961 SH          X                       2,961

 AMERICA ONLINE INC DEL COM           02364J104       244      7,000 SH              X   X               7,000

 AMERICAN EXPRESS CO COM              025816109       414      7,535 SH          X                       7,535

 AMERICAN EXPRESS CO COM              025816109       852     15,506 SH              X   X              15,506

 AMERICAN HOME PRODS CORP COM         026609107     1,730     27,221 SH          X                      26,671        550

 AMERICAN HOME PRODS CORP COM         026609107     1,287     20,255 SH              X   X              20,255

 AMERICAN INTL GROUP INC COM          026874107     1,106     11,219 SH          X                      11,219

 AMERICAN INTL GROUP INC COM          026874107       420      4,257 SH              X   X               4,257

 AMERICAN SHARED HOSPITAL SERVICE COM 029595105        40     17,992 SH              X   X              17,992

 AMERICAN STATES WATER CO COM         029899101         8        215 SH          X                         215

 AMERICAN STATES WATER CO COM         029899101       221      6,000 SH              X   X               6,000

 AMERICAN WTR WKS INC COM             030411102       477     16,223 SH              X   X              16,223

 AMGEN INC COM                        031162100     3,838     60,034 SH          X                      60,034

 AMGEN INC COM                        031162100     1,928     30,151 SH              X   X              30,151

 ANADARKO PETE CORP COM               032511107        53        751 SH          X                         751

 ANADARKO PETE CORP COM               032511107       375      5,277 SH              X   X               5,277

 ANALOG DEVICES INC COM               032654105       240      4,690 SH          X                       4,690

 ANHEUSER BUSCH COS INC COM           035229103       561     12,340 SH          X                      12,340

 ANHEUSER BUSCH COS INC COM           035229103     1,183     26,000 SH              X   X              26,000

 APACHE CORP COM                      037411105       802     11,450 SH          X                      11,450

 APACHE CORP COM                      037411105       233      3,325 SH              X   X               3,325

 APPLIED MATLS INC COM                038222105        82      2,148 SH          X                       2,148

 APPLIED MATLS INC COM                038222105       197      5,150 SH              X   X               5,150

 ARK MARYLAND TAX FREE FD CL A        040711731       223     22,370 SH              X   X              22,370

                                               ----------
          PAGE TOTAL                               17,096
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/01         PAGE    3
                                                                    AS OF 12/31/00
 - - - - - 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>
 AUTOMATIC DATA PROCESSING COM        053015103     1,037     16,382 SH          X                      16,382

 AUTOMATIC DATA PROCESSING COM        053015103     1,491     23,555 SH              X   X              23,555

 AVERY DENNISON CORP COM              053611109       137      2,500 SH          X                       2,500

 AVERY DENNISON CORP COM              053611109        77      1,400 SH              X   X               1,400

 AVON PRODUCTS INC COM                054303102        83      1,730 SH          X                       1,730

 AVON PRODUCTS INC COM                054303102       144      3,000 SH              X   X               3,000

 BP AMOCO SPON ADR                    055622104     1,136     23,738 SH          X                      23,738

 BP AMOCO SPON ADR                    055622104     2,162     45,167 SH              X   X              45,167

 BMC SOFTWARE INC COM                 055921100       230     16,454 SH          X                      16,454

 BMC SOFTWARE INC COM                 055921100       135      9,675 SH              X   X               9,675

 BANK OF AMERICA CORP COM             060505104       830     18,092 SH          X                      18,092

 BANK OF AMERICA CORP COM             060505104     5,173    112,759 SH              X   X             112,759

 BANK NEW YORK INC COM                064057102       480      8,698 SH          X                       8,698

 BANK NEW YORK INC COM                064057102        37        665 SH              X   X                 665

 BANK ONE CORP COM                    06423A103       182      4,958 SH          X                       4,958

 BANK ONE CORP COM                    06423A103       368     10,053 SH              X   X              10,053

 BAXTER INTL INC COM                  071813109       694      7,857 SH          X                       7,857

 BAXTER INTL INC COM                  071813109       520      5,887 SH              X   X               5,887

 BECTON DICKINSON & CO COM            075887109        69      2,000 SH          X                       2,000

 BECTON DICKINSON & CO COM            075887109       457     13,200 SH              X   X              13,200

 BELLSOUTH CORP COM                   079860102       688     16,815 SH          X                      16,815

 BELLSOUTH CORP COM                   079860102       433     10,582 SH              X   X              10,582

 BERKSHIRE HATHAWAY INC CL-A COM      084670108       426          6 SH          X                           6

 BERKSHIRE HATHAWAY INC CL-A COM      084670108       426          6 SH              X   X                   6

 BIOGEN N V COM                       090597105        99      1,650 SH          X                       1,650

                                               ----------
          PAGE TOTAL                               17,514
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/01         PAGE    4
                                                                    AS OF 12/31/00
 - - - - - 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>
 BIOGEN N V COM                       090597105       120      2,000 SH              X   X               2,000

 BIOMET INC COM                       090613100         6        150 SH          X                         150

 BIOMET INC COM                       090613100       393      9,900 SH              X   X               9,900

 BLOCK H & R INC COM                  093671105        22        525 SH          X                         525

 BLOCK H & R INC COM                  093671105       586     14,155 SH              X   X              14,155

 BOEING CO COM                        097023105       299      4,526 SH          X                       4,526

 BOEING CO COM                        097023105       396      6,000 SH              X   X               6,000

 BRISTOL MYERS SQUIBB CO COM          110122108     3,449     46,647 SH          X                      46,647

 BRISTOL MYERS SQUIBB CO COM          110122108     3,909     52,864 SH              X   X              52,864

 BROADWING INC COM                    111620100     1,409     61,745 SH          X                      61,745

 BROADWING INC COM                    111620100       621     27,200 SH              X   X              27,200

 BURLINGTON NORTHN SANTA FE CORP COM  12189T104         7        240 SH          X                         240

 BURLINGTON NORTHN SANTA FE CORP COM  12189T104       269      9,500 SH              X   X               9,500

 BURLINGTON RES INC COM               122014103       106      2,095 SH          X                       2,095

 BURLINGTON RES INC COM               122014103       395      7,825 SH              X   X               7,825

 CIGNA CORP COM                       125509109       155      1,170 SH          X                       1,170

 CIGNA CORP COM                       125509109       136      1,030 SH              X   X               1,030

 CVS CORP COM                         126650100        89      1,490 SH          X                       1,490

 CVS CORP COM                         126650100       138      2,300 SH              X   X               2,300

 CALPINE CORP COM                     131347106       653     14,500 SH          X                      14,500

 CARDINAL HEALTH INC COM              14149Y108     2,412     24,210 SH          X                      24,210

 CARDINAL HEALTH INC COM              14149Y108       908      9,116 SH              X   X               9,116

 CARNIVAL CORP CL A                   143658102       196      6,370 SH          X                       6,370

 CARNIVAL CORP CL A                   143658102        54      1,744 SH              X   X               1,744

 CENDANT CORP COM                     151313103        39      4,025 SH          X                       4,025

                                               ----------
          PAGE TOTAL                               16,767
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/01         PAGE    5
                                                                    AS OF 12/31/00
 - - - - - 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>
 CENDANT CORP COM                     151313103        93      9,700 SH              X   X               9,700

 CHASE MANHATTAN CORP NEW             16161A108     1,891     41,620 SH          X                      41,620

 CHASE MANHATTAN CORP NEW             16161A108       348      7,668 SH              X   X               7,668

 CHEVRON CORP COM                     166751107       385      4,561 SH          X                       4,561

 CHEVRON CORP COM                     166751107       152      1,800 SH              X   X               1,800

 CIENA CORP COM                       171779101        63        780 SH          X                         780

 CIENA CORP COM                       171779101       166      2,042 SH              X   X               2,042

 CISCO SYS INC COM                    17275R102     1,097     28,669 SH          X                      28,069        600

 CISCO SYS INC COM                    17275R102    10,035    262,352 SH              X   X             262,352

 CITIGROUP INC COM                    172967101     1,053     20,613 SH          X                      20,613

 CITIGROUP INC COM                    172967101     1,115     21,829 SH              X   X              21,829

 CLOROX CO COM                        189054109       525     14,787 SH          X                      14,787

 CLOROX CO COM                        189054109        39      1,100 SH              X   X               1,100

 COASTAL CORP COM                     190441105     1,244     14,084 SH          X                      14,084

 COASTAL CORP COM                     190441105       419      4,750 SH              X   X               4,750

 COCA COLA CO COM                     191216100     1,184     19,422 SH          X                      19,422

 COCA COLA CO COM                     191216100       236      3,874 SH              X   X               3,874

 COLGATE PALMOLIVE CO COM             194162103       279      4,325 SH          X                       4,325

 COLGATE PALMOLIVE CO COM             194162103     1,252     19,400 SH              X   X              19,400

 COMPAQ COMPUTER CORP COM             204493100     1,243     82,574 SH          X                      82,574

 COMPAQ COMPUTER CORP COM             204493100       460     30,570 SH              X   X              30,570

 COMPUTER SCIENCES CORP COM           205363104       798     13,265 SH          X                      13,265

 COMPUTER SCIENCES CORP COM           205363104       108      1,790 SH              X   X               1,790

 CONAGRA INC COM                      205887102        67      2,593 SH          X                       2,593

 CONAGRA INC COM                      205887102       366     14,073 SH              X   X              14,073

                                               ----------
          PAGE TOTAL                               24,618
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/01         PAGE    6
                                                                    AS OF 12/31/00
 - - - - - 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>
 COMSHARE INC CO COM                  205912108        47     18,000 SH          X                      18,000

 CONOCO INC CL B COM                  208251405     1,199     41,443 SH          X                      41,443

 CONOCO INC CL B COM                  208251405       304     10,512 SH              X   X              10,512

 CONSTELLATION ENERGY GROUP COM       210371100     1,010     22,410 SH          X                      22,410

 CONSTELLATION ENERGY GROUP COM       210371100       100      2,225 SH              X   X               2,225

 CONVERGYS CORP COM                   212485106       219      4,836 SH          X                       4,836

 DANA CORP COM                        235811106       930     60,705 SH          X                      60,705

 DANA CORP COM                        235811106       417     27,250 SH              X   X              27,250

 DELTA AIR LINES INC COM              247361108       333      6,628 SH          X                       6,628

 DISNEY WALT CO COM                   254687106       371     12,810 SH          X                      12,810

 DISNEY WALT CO COM                   254687106       384     13,275 SH              X   X              13,275

 DOMINION RESOURCES INC/VA COM        25746U109       106      1,582 SH          X                       1,582

 DOMINION RESOURCES INC/VA COM        25746U109       201      3,000 SH              X   X               3,000

 DOW CHEM CO COM                      260543103       144      3,925 SH          X                       3,925

 DOW CHEM CO COM                      260543103       385     10,500 SH              X   X              10,500

 DU PONT E I DE NEMOURS & CO COM      263534109       574     11,891 SH          X                      11,891

 DU PONT E I DE NEMOURS & CO COM      263534109       240      4,976 SH              X   X               4,976

 DUKE ENERGY CORP COM                 264399106     1,376     16,140 SH          X                      16,140

 DUKE ENERGY CORP COM                 264399106       278      3,260 SH              X   X               3,260

 E M C CORP MASS COM                  268648102       575      8,645 SH          X                       8,645

 E M C CORP MASS COM                  268648102       123      1,850 SH              X   X               1,850

 EDISON INTL COM                      281020107        52      3,332 SH          X                       3,332

 EDISON INTL COM                      281020107       536     34,272 SH              X   X              34,272

 EDWARDS A G INC COM                  281760108       204      4,300 SH              X   X               4,300

 EL PASO ENERGY CORP DEL COM          283905107       269      3,755 SH          X                       3,755

                                               ----------
          PAGE TOTAL                               10,377
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/01         PAGE    7
                                                                    AS OF 12/31/00
 - - - - - 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>
 EL PASO ENERGY CORP DEL COM          283905107       560      7,813 SH              X   X               7,813

 EMERSON ELEC CO COM                  291011104       765      9,705 SH          X                       9,705

 EMERSON ELEC CO COM                  291011104     1,451     18,414 SH              X   X              18,414

 ENERGIZER HLDGS INC-W/I COM          29266R108     4,200    196,513 SH          X                     196,513

 ENERGIZER HLDGS INC-W/I COM          29266R108       186      8,718 SH              X   X               8,718

 ENRON CORP COM                       293561106       449      5,400 SH          X                       5,400

 ENRON CORP COM                       293561106     1,218     14,648 SH              X   X              14,648

 ERICSSON L M TEL CO ADR CL B SEK 10  294821400       253     22,640 SH          X                      22,640

 ERICSSON L M TEL CO ADR CL B SEK 10  294821400         6        500 SH              X   X                 500

 EXXON MOBIL CORP COM                 30231G102     4,621     53,155 SH          X                      53,155

 EXXON MOBIL CORP COM                 30231G102     2,165     24,899 SH              X   X              24,899

 FPL GROUP INC COM                    302571104         5         70 SH          X                          70

 FPL GROUP INC COM                    302571104       287      4,000 SH              X   X               4,000

 FALLEN ANGEL EQUITY FUND LP          30618A900        56     56,250 SH          X                      56,250

 FEDERAL HOME LN MTG CORP VT COM      313400301       127      1,845 SH          X                       1,845

 FEDERAL HOME LN MTG CORP VT COM      313400301        77      1,118 SH              X   X               1,118

 FEDERAL NATL MTG ASSN COM            313586109       690      7,950 SH          X                       7,950

 FEDERAL NATL MTG ASSN COM            313586109       681      7,845 SH              X   X               7,845

 FIDELITY COURT STR TR HI YIELD TAX-  316089507       135     10,613 SH          X                      10,613
 FREE PORTFOLIO
 FIDELITY MUN TR                      316203207       308     30,478 SH              X   X              30,478
 SPR SHTM MUNINC
 FIDELITY SPARTAN MARYLAND MUNI #429  316448604       163     15,539 SH          X                      15,539

 FIFTH THIRD BANCORP COM              316773100       197      3,300 SH          X                       3,300

 FIFTH THIRD BANCORP COM              316773100        68      1,140 SH              X   X               1,140

 FIRST UN CORP COM                    337358105       926     33,293 SH          X                      33,293

 FIRST UN CORP COM                    337358105       668     24,008 SH              X   X              24,008

                                               ----------
          PAGE TOTAL                               20,262
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/01         PAGE    8
                                                                    AS OF 12/31/00
 - - - - - 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     1,280     55,062 SH          X                      55,062

 FIRSTAR CORPORATION COM              33763V109       866     37,235 SH              X   X              37,235

 FLEET BOSTON FINANCIAL CORP COM      339030108       204      5,436 SH          X                       5,436

 FLEET BOSTON FINANCIAL CORP COM      339030108       375      9,978 SH              X   X               9,978

 FORD MTR CO DEL COM PAR $0.01        345370860       214      9,142 SH          X                       9,142

 FORD MTR CO DEL COM PAR $0.01        345370860     1,111     47,416 SH              X   X              47,416

 FOREST LABS INC COM                  345838106       257      1,934 SH          X                       1,934

 FORTUNE BRANDS INC COM               349631101       512     17,058 SH          X                      17,058

 FORTUNE BRANDS INC COM               349631101       345     11,500 SH              X   X              11,500

 FRANKLIN MO TAX FREE INCOME FUND     354723819        62      5,255 SH          X                       5,255
 CL A
 FRANKLIN MO TAX FREE INCOME FUND     354723819       265     22,567 SH              X   X              22,567
 CL A
 GENERAL ELEC CO COM                  369604103     5,804    121,076 SH          X                     121,076

 GENERAL ELEC CO COM                  369604103     5,649    117,833 SH              X   X             117,833

 GENERAL MILLS INC COM                370334104       672     15,090 SH          X                      14,874        216

 GENERAL MILLS INC COM                370334104        89      2,000 SH              X   X               2,000

 GENERAL MTRS CORP COM                370442105       133      2,615 SH          X                       2,615

 GENERAL MTRS CORP COM                370442105       392      7,700 SH              X   X               7,700

 GENSYM CORP COM                      37245R107         8     10,000 SH          X                      10,000

 GENUINE PARTS CO COM                 372460105        16        606 SH          X                         606

 GENUINE PARTS CO COM                 372460105       542     20,690 SH              X   X              20,690

 GILLETTE CO COM                      375766102       256      7,075 SH          X                       7,075

 GILLETTE CO COM                      375766102        84      2,325 SH              X   X               2,325

 GRAINGER W W INC COM                 384802104       409     11,200 SH              X   X              11,200

 GREY ADVERTISING INC COM             39787M108       293        450 SH              X   X                 450

 HALLIBURTON CO COM                   406216101        65      1,785 SH          X                       1,785

                                               ----------
          PAGE TOTAL                               19,903
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/01         PAGE    9
                                                                    AS OF 12/31/00
 - - - - - 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>
 HALLIBURTON CO COM                   406216101       174      4,800 SH              X   X               4,800

 HARTFORD FINL SVCS GROUP INC COM     416515104     2,462     34,855 SH          X                      34,855

 HARTFORD FINL SVCS GROUP INC COM     416515104       790     11,180 SH              X   X              11,180

 HEALTH MGMT ASSOC INC NEW CL A       421933102       561     27,050 SH          X                      27,050

 HEALTH MGMT ASSOC INC NEW CL A       421933102        31      1,495 SH              X   X               1,495

 HERSHEY FOODS CORP COM               427866108        33        516 SH          X                         516

 HERSHEY FOODS CORP COM               427866108       286      4,449 SH              X   X               4,449

 HEWLETT PACKARD CO COM               428236103       318     10,078 SH          X                      10,078

 HEWLETT PACKARD CO COM               428236103        89      2,812 SH              X   X               2,812

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

 HOME DEPOT INC COM                   437076102     1,118     24,468 SH          X                      24,243        225

 HOME DEPOT INC COM                   437076102       417      9,125 SH              X   X               9,125

 HONEYWELL INTERNATIONAL INC COM      438516106       327      6,909 SH          X                       6,909

 HONEYWELL INTERNATIONAL INC COM      438516106        33        705 SH              X   X                 705

 HOUSEHOLD INTERNATIONAL INC COM      441815107        42        770 SH          X                         770

 HOUSEHOLD INTERNATIONAL INC COM      441815107       480      8,733 SH              X   X               8,733

 IMS HEALTH INC COM                   449934108        54      2,002 SH          X                       2,002

 IMS HEALTH INC COM                   449934108       235      8,700 SH              X   X               8,700

 IMMULOGIC PHARMACEUTICAL CORP COM    45252R100         2     28,673 SH          X                      28,673

 INTEL CORP COM                       458140100     2,847     94,693 SH          X                      94,393        300

 INTEL CORP COM                       458140100     2,388     79,431 SH              X   X              79,431

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

 INTERNATIONAL BUSINESS MACHS COM     459200101       783      9,216 SH          X                       9,216

 INTERNATIONAL BUSINESS MACHS COM     459200101     1,512     17,786 SH              X   X              17,561                   225

 INTERNATIONAL PAPER CO COM           460146103       225      5,514 SH          X                       5,514

                                               ----------
          PAGE TOTAL                               15,208
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/01         PAGE   10
                                                                    AS OF 12/31/00
 - - - - - 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>
 INTERNATIONAL PAPER CO COM           460146103        16        400 SH              X   X                 400

 IPALCO ENTERPRISES INC COM           462613100        24      1,000 SH          X                       1,000

 IPALCO ENTERPRISES INC COM           462613100       218      9,000 SH              X   X               9,000

 JOHNSON & JOHNSON COM                478160104     2,416     22,997 SH          X                      22,997

 JOHNSON & JOHNSON COM                478160104     1,101     10,483 SH              X   X              10,483

 KIMBERLY CLARK CORP COM              494368103       583      8,244 SH          X                       8,244

 KIMBERLY CLARK CORP COM              494368103     1,067     15,092 SH              X   X              15,092

 KINDER MORGAN EGY PTNS L P           494550106       101      1,800 SH          X                       1,800
 UT LTD PT INT
 KINDER MORGAN EGY PTNS L P           494550106       197      3,500 SH              X   X               3,500
 UT LTD PT INT
 LACLEDE GAS CO COM                   505588103       140      6,000 SH          X                       6,000

 LACLEDE GAS CO COM                   505588103        89      3,800 SH              X   X               3,800

 LANDAUER INC COM                     51476K103       184     10,000 SH              X   X              10,000

 LEBENTHAL FDS INC                    523216208       144     17,707 SH          X                      17,707
 N Y MUN BD FD
 LEHMAN BROTHERS HLDGS INC COM        524908100     2,580     38,150 SH          X                      37,950        200

 LEHMAN BROTHERS HLDGS INC COM        524908100     1,596     23,600 SH              X   X              23,600

 LILLY ELI & CO COM                   532457108       689      7,400 SH          X                       7,400

 LILLY ELI & CO COM                   532457108       228      2,450 SH              X   X               2,450

 LIMITED INC COM                      532716107       623     36,502 SH          X                      36,502

 LIMITED INC COM                      532716107       137      8,000 SH              X   X               8,000

 LINEAR TECHNOLOGY CORP               535678106       356      7,700 SH          X                       7,700

 LOWES COMPANIES INC COM              548661107     1,309     29,413 SH          X                      29,413

 LOWES COMPANIES INC COM              548661107       455     10,220 SH              X   X              10,220

 LUCENT TECHNOLOGIES INC COM          549463107       404     29,951 SH          X                      29,951

 LUCENT TECHNOLOGIES INC COM          549463107       401     29,701 SH              X   X              29,701

 MBNA CORP COM                        55262L100       129      3,489 SH          X                       3,489

                                               ----------
          PAGE TOTAL                               15,187
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/01         PAGE   11
                                                                    AS OF 12/31/00
 - - - - - 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>
 MBNA CORP COM                        55262L100     1,967     53,248 SH              X   X              53,248

 MFS ARKANSAS MUNICIPAL BOND FUND     55273N400       464     46,436 SH          X                      46,436

 MFS CALIFORNIA MUNICIPAL BOND FUND   55273N590        70     12,109 SH          X                      12,109
 CLASS A
 MFS HIGH YIELD MUNICIPAL BOND FUND   552984304       153     18,697 SH          X                      18,697

 MSD&T MARYLAND TAX EXEMPT BD FD      553537705       541     49,827 SH          X                      49,827
 #411
 MARSH & MC LENNAN COS INC COM        571748102       243      2,080 SH          X                       2,080

 MARSH & MC LENNAN COS INC COM        571748102       189      1,617 SH              X   X               1,617

 MAY DEPT STORES CO COM               577778103       103      3,142 SH          X                       3,142

 MAY DEPT STORES CO COM               577778103       274      8,369 SH              X   X               8,369

 MCDONALDS CORP COM                   580135101       446     13,112 SH          X                      13,112

 MCDONALDS CORP COM                   580135101       576     16,928 SH              X   X              16,928

 MCGRAW HILL COMPANIES INC            580645109       176      3,000 SH          X                       3,000

 MCGRAW HILL COMPANIES INC            580645109       281      4,800 SH              X   X               4,800

 MEAD CORP COM                        582834107     1,118     35,645 SH          X                      35,645

 MEAD CORP COM                        582834107       742     23,658 SH              X   X              23,658

 MEDTRONIC INC COM                    585055106       634     10,495 SH          X                      10,495

 MEDTRONIC INC COM                    585055106       328      5,425 SH              X   X               5,425

 MELLON FINANCIAL CORP COM            58551A108        49      1,005 SH          X                       1,005

 MELLON FINANCIAL CORP COM            58551A108       295      6,000 SH              X   X               6,000

 MERCK & CO INC COM                   589331107    19,362    206,808 SH          X                     206,808

 MERCK & CO INC COM                   589331107     2,956     31,574 SH              X   X              31,574

 MERRILL LYNCH & CO INC COM           590188108       830     12,165 SH          X                      12,165

 MERRILL LYNCH & CO INC COM           590188108       757     11,096 SH              X   X              11,096

 MICROSOFT CORP COM                   594918104     1,738     40,073 SH          X                      40,013                    60

 MICROSOFT CORP COM                   594918104       810     18,677 SH              X   X              18,677

                                               ----------
          PAGE TOTAL                               35,102
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/01         PAGE   12
                                                                    AS OF 12/31/00
 - - - - - 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>
 MINNESOTA MNG & MFG CO COM           604059105       373      3,097 SH          X                       3,097

 MINNESOTA MNG & MFG CO COM           604059105       560      4,650 SH              X   X               4,650

 MORGAN J P & CO INC COM              616880100       267      1,616 SH          X                       1,616

 MORGAN J P & CO INC COM              616880100     2,239     13,529 SH              X   X              13,529

 MORGAN STANLEY DEAN WITTER & COMPANY 617446448     1,058     13,356 SH          X                      13,356
 COM NEW
 MORGAN STANLEY DEAN WITTER & COMPANY 617446448       547      6,906 SH              X   X               6,906
 COM NEW
 MOTOROLA INC COM                     620076109       305     15,051 SH          X                      15,051

 MOTOROLA INC COM                     620076109       637     31,441 SH              X   X              31,441

 MURPHY OIL CORP COM                  626717102        38        630 SH          X                         630

 MURPHY OIL CORP COM                  626717102       181      3,000 SH              X   X               3,000

 NASDAQ 100 TR UNIT SER 1             631100104       199      3,410 SH          X                       3,410

 NASDAQ 100 TR UNIT SER 1             631100104        29        500 SH              X   X                 500

 NATIONAL COMM BANCORPORATION COM     635449101        22        900 SH          X                         900

 NATIONAL COMM BANCORPORATION COM     635449101       712     28,783 SH              X   X              28,783

 NOKIA CORP SPON ADR CL A             654902204     2,243     51,565 SH          X                      51,565

 NOKIA CORP SPON ADR CL A             654902204     1,473     33,855 SH              X   X              33,855

 NORTEL NETWORKS CORP NEW COM         656568102       403     12,570 SH          X                      12,440                   130

 NORTEL NETWORKS CORP NEW COM         656568102       164      5,110 SH              X   X               5,110

 NORTHERN TRUST CORP COM              665859104       615      7,544 SH          X                       7,544

 NORTHERN TRUST CORP COM              665859104       100      1,224 SH              X   X               1,224

 NORTHROP GRUMMAN CORP COM            666807102     1,246     15,008 SH          X                      15,008

 NORTHROP GRUMMAN CORP COM            666807102       398      4,800 SH              X   X               4,800

 OMNICOM GROUP COM                    681919106       228      2,750 SH          X                       2,750

 OMNICOM GROUP COM                    681919106        17        200 SH              X   X                 200

 ONEOK INC NEW COM                    682680103         6        128 SH          X                         128

                                               ----------
          PAGE TOTAL                               14,060
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/01         PAGE   13
                                                                    AS OF 12/31/00
 - - - - - 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>
 ONEOK INC NEW COM                    682680103       312      6,492 SH              X   X               6,492

 ORACLE CORP COM                      68389X105     2,288     78,739 SH          X                      78,739

 ORACLE CORP COM                      68389X105     1,158     39,835 SH              X   X              39,835

 ORTHOLOGIC CORP COM                  68750J107       262     91,154 SH              X   X              91,154

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

 PPG INDS INC COM                     693506107       676     14,600 SH          X                      14,600

 PPG INDS INC COM                     693506107       463     10,000 SH              X   X              10,000

 PEPSICO INC COM                      713448108     1,225     24,720 SH          X                      24,720

 PEPSICO INC COM                      713448108     1,126     22,719 SH              X   X              22,719

 PFIZER INC COM                       717081103     1,454     31,600 SH          X                      31,600

 PFIZER INC COM                       717081103     2,662     57,866 SH              X   X              57,866

 PHARMACIA CORPORATION COM            71713U102       745     12,221 SH          X                      12,221

 PHARMACIA CORPORATION COM            71713U102       576      9,450 SH              X   X               9,450

 PHILADELPHIA SUBN CORP COM NEW       718009608        22        895 SH          X                         895

 PHILADELPHIA SUBN CORP COM NEW       718009608       276     11,250 SH              X   X              11,250

 PHILIP MORRIS COS INC COM            718154107       690     15,676 SH          X                      15,676

 PHILIP MORRIS COS INC COM            718154107     1,042     23,675 SH              X   X              23,675

 PHILLIPS PETE CO COM                 718507106       365      6,423 SH          X                       6,423

 PHILLIPS PETE CO COM                 718507106         6        100 SH              X   X                 100

 PRICE T ROWE & ASSOC INC COM         741477103         4        100 SH          X                         100

 PRICE T ROWE & ASSOC INC COM         741477103       445     10,533 SH              X   X              10,533

 PROCTER & GAMBLE CO COM              742718109     1,199     15,281 SH          X                      15,281

 PROCTER & GAMBLE CO COM              742718109     1,084     13,822 SH              X   X              13,822

 PRUDENTIAL CA MUNICIPAL FD CL Z      744313883       254     21,046 SH          X                      21,046

 QUALCOMM INC COM                     747525103       316      3,850 SH          X                       3,850

                                               ----------
          PAGE TOTAL                               18,652
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/01         PAGE   14
                                                                    AS OF 12/31/00
 - - - - - 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>
 QUALCOMM INC COM                     747525103        90      1,100 SH              X   X               1,100

 QWEST COMMUNICATIONS INTL            749121109     1,929     47,186 SH          X                      47,186

 QWEST COMMUNICATIONS INTL            749121109       802     19,611 SH              X   X              19,611

 RPM INC OHIO COM                     749685103         3        300 SH          X                         300

 RPM INC OHIO COM                     749685103        94     10,955 SH              X   X              10,955

 RADIOSHACK CORP COM                  750438103       283      6,600 SH          X                       6,600

 RADIOSHACK CORP COM                  750438103        69      1,600 SH              X   X               1,600

 RALSTON PURINA CO COM RALSTON PURINA 751277302    17,065    653,209 SH          X                     649,009      4,200
 GROUP
 RALSTON PURINA CO COM RALSTON PURINA 751277302     1,027     39,305 SH              X   X              39,305
 GROUP
 RAYTHEON CO CL B                     755111408       109      3,500 SH          X                       3,500

 RAYTHEON CO CL B                     755111408       503     16,200 SH              X   X              16,200

 RELIANT ENERGY INC COM               75952J108       336      7,767 SH          X                       7,767

 RELIANT ENERGY INC COM               75952J108        60      1,375 SH              X   X               1,375

 REUTERS GROUP PLC SPONSORED ADR      76132M102       641      6,504 SH              X   X               6,504

 ROCHESTER MUNI INC FD                771362100       510     28,835 SH          X                      28,835

 ROYAL DUTCH PETE CO N Y REGISTRY SH  780257804     1,297     21,412 SH          X                      21,412
 PAR N GLDR 1.25
 ROYAL DUTCH PETE CO N Y REGISTRY SH  780257804       504      8,321 SH              X   X               8,321
 PAR N GLDR 1.25
 SBC COMMUNICATIONS INC COM           78387G103     2,076     43,484 SH          X                      43,484

 SBC COMMUNICATIONS INC COM           78387G103     3,359     70,353 SH              X   X              70,353

 ST PAUL COS INC COM                  792860108     2,520     46,395 SH          X                      46,395

 ST PAUL COS INC COM                  792860108     1,331     24,500 SH              X   X              24,500

 SANMINA HLDGS INC COM                800907107     1,155     15,079 SH          X                      15,079

 SANMINA HLDGS INC COM                800907107        77      1,000 SH              X   X               1,000

 SARA LEE CORP COM                    803111103       141      5,753 SH          X                       5,753

 SARA LEE CORP COM                    803111103        97      3,932 SH              X   X               3,932

                                               ----------
          PAGE TOTAL                               36,078
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/01         PAGE   15
                                                                    AS OF 12/31/00
 - - - - - 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>
 SCHERING PLOUGH CORP COM             806605101     1,790     31,542 SH          X                      31,542

 SCHERING PLOUGH CORP COM             806605101     2,246     39,578 SH              X   X              39,578

 SCHLUMBERGER LTD COM                 806857108       376      4,708 SH          X                       4,708

 SCHLUMBERGER LTD COM                 806857108       731      9,150 SH              X   X               9,150

 SERVICEMASTER CO COM                 81760N109        75      6,529 SH          X                       6,529

 SERVICEMASTER CO COM                 81760N109       515     44,760 SH              X   X              44,760

 SIGMA ALDRICH CORP COM               826552101       315      8,000 SH              X   X               8,000

 SMITHKLINE BEECHAM P L C             832378301       692     11,120 SH          X                      11,120
 ADR REPSTG ORD A
 SMITHKLINE BEECHAM P L C             832378301       111      1,792 SH              X   X               1,792
 ADR REPSTG ORD A
 SOLECTRON CORP COM                   834182107     1,259     37,146 SH          X                      37,146

 SOLECTRON CORP COM                   834182107       103      3,030 SH              X   X               3,030

 SOLUTIA INC COM                      834376105       603     50,210 SH          X                      50,210

 SOLUTIA INC COM                      834376105       224     18,700 SH              X   X              18,700

 SOUTHERN CO COM                      842587107       107      3,231 SH          X                       3,231

 SOUTHERN CO COM                      842587107       101      3,036 SH              X   X               3,036

 SOUTHWEST AIRLS CO COM               844741108        42      1,250 SH          X                       1,250

 SOUTHWEST AIRLS CO COM               844741108       402     11,975 SH              X   X              11,975

 SPRINT CORP COM (FON GROUP)          852061100       388     19,084 SH          X                      19,084

 SPRINT CORP COM (FON GROUP)          852061100       237     11,655 SH              X   X              11,655

 SPRINT CORP (PCS GROUP) COM          852061506       292     14,270 SH          X                      14,270

 SPRINT CORP (PCS GROUP) COM          852061506       257     12,570 SH              X   X              12,570

 STATE STR CORP COM                   857477103       156      1,253 SH          X                       1,253

 STATE STR CORP COM                   857477103       132      1,060 SH              X   X               1,060

 SUN MICROSYSTEMS INC COM             866810104       282     10,116 SH          X                      10,116

 SUN MICROSYSTEMS INC COM             866810104       234      8,400 SH              X   X               8,400

                                               ----------
          PAGE TOTAL                               11,670
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/01         PAGE   16
                                                                    AS OF 12/31/00
 - - - - - 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>
 TCSI CORP COM                        87233R106        21     15,000 SH          X                      15,000

 TMP WORLDWIDE INC COM                872941109       530      9,628 SH          X                       9,628

 TXU CORPORATION COM                  873168108        58      1,300 SH          X                       1,300

 TXU CORPORATION COM                  873168108       146      3,300 SH              X   X               3,300

 TARGET CORP COM                      87612E106     1,537     47,674 SH          X                      47,674

 TARGET CORP COM                      87612E106     1,577     48,885 SH              X   X              48,885

 TELEFONICA S A ADR SPONSORED         879382208       476      9,516 SH              X   X               9,516

 TELLABS INC COM                      879664100     2,470     43,716 SH          X                      43,716

 TELLABS INC COM                      879664100       837     14,820 SH              X   X              14,820

 TENET HEALTHCARE CORP COM            88033G100       785     17,676 SH          X                      17,676

 TENET HEALTHCARE CORP COM            88033G100        30        680 SH              X   X                 680

 TERADYNE INC COM                     880770102       943     25,310 SH          X                      25,310

 TERADYNE INC COM                     880770102        63      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       133      2,137 SH          X                       2,137

 TEXACO INC COM                       881694103       186      3,000 SH              X   X               3,000

 TEXAS INSTRS INC COM                 882508104       918     19,375 SH          X                      19,375

 TEXAS INSTRS INC COM                 882508104     1,319     27,840 SH              X   X              27,840

 TEXTRON INC COM                      883203101         3         75 SH          X                          75

 TEXTRON INC COM                      883203101       197      4,228 SH              X   X               4,228

 TIDEWATER INC COM                    886423102         8        180 SH          X                         180

 TIDEWATER INC COM                    886423102       254      5,718 SH              X   X               5,718

 TIME WARNER INC COM                  887315109        69      1,312 SH          X                       1,312

 TIME WARNER INC COM                  887315109       172      3,300 SH              X   X               3,300

 TYCO INTL LTD                        902124106     2,589     46,651 SH          X                      46,651

                                               ----------
          PAGE TOTAL                               15,614
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/01         PAGE   17
                                                                    AS OF 12/31/00
 - - - - - 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>
 TYCO INTL LTD                        902124106     1,282     23,106 SH              X   X              23,106

 UNILEVER N V - W/I COM               904784709       285      4,535 SH          X                       4,535

 UNION PAC CORP COM                   907818108       305      6,006 SH          X                       6,006

 UNION PAC CORP COM                   907818108       372      7,336 SH              X   X               7,336

 UNISYS CORP COM                      909214108     1,519    103,850 SH          X                     103,850

 UNISYS CORP COM                      909214108       399     27,300 SH              X   X              27,300

 UNITED TECHNOLOGIES CORP COM         913017109       302      3,840 SH          X                       3,840

 UNITED TECHNOLOGIES CORP COM         913017109       421      5,350 SH              X   X               5,350

 UNOCAL CORP COM                      915289102     1,891     48,866 SH          X                      48,866

 UNOCAL CORP COM                      915289102       392     10,134 SH              X   X              10,134

 VALSPAR CORP COM                     920355104         6        180 SH          X                         180

 VALSPAR CORP COM                     920355104     1,083     33,640 SH              X   X              33,640

 VANGUARD TOTAL BOND                  921937108     1,122    112,622 SH              X   X             112,622
 MARKET INDEX FUND
 VANGUARD FIXED INCOME SEC FD         922031208        92     13,801 SH          X                      13,801
 HI YLD CORP PTF
 VANGUARD FIXED INCOME GNMA FUND      922031307       137     13,334 SH          X                      13,334

 VANGUARD N J TAX EXEMPT FD           92204F206        44      3,699 SH          X                       3,699
 LONG TERM PTFLO # 14
 VANGUARD N J TAX EXEMPT FD           92204F206       309     26,201 SH              X   X              26,201
 LONG TERM PTFLO # 14
 VANGUARD MASS HIGH- GRADE TA         92204X108       288     29,187 SH          X                      29,187
 COM
 VANGUARD INTERMEDIATE TERM           922907209     1,018     76,693 SH          X                      76,693
 TAX EXEMPT BOND FUND
 VANGUARD INTERMEDIATE TERM           922907209       867     65,337 SH              X   X              65,337
 TAX EXEMPT BOND FUND
 VERIZON COMMUNICATIONS COM           92343V104     1,654     32,990 SH          X                      32,990

 VERIZON COMMUNICATIONS COM           92343V104     2,552     50,908 SH              X   X              50,908

 VIACOM INC CL A                      925524100       409      8,700 SH          X                       8,700

 VIACOM INC CL B COM                  925524308       233      4,978 SH          X                       4,978

 VIACOM INC CL B COM                  925524308       244      5,226 SH              X   X               5,226

                                               ----------
          PAGE TOTAL                               17,226
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/01         PAGE   18
                                                                    AS OF 12/31/00
 - - - - - 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>
 VODAFONE GROUP PLC-SP ADR            92857W100     1,501     41,902 SH          X                      41,902

 VODAFONE GROUP PLC-SP ADR            92857W100     1,701     47,490 SH              X   X              47,490

 WGL HLDGS INC COM                    92924F106        35      1,154 SH          X                       1,154

 WGL HLDGS INC COM                    92924F106       183      6,000 SH              X   X               6,000

 WAL MART STORES INC COM              931142103     1,959     36,879 SH          X                      36,879

 WAL MART STORES INC COM              931142103     1,275     24,005 SH              X   X              24,005

 WALGREEN CO COM                      931422109       504     12,054 SH          X                      12,054

 WALGREEN CO COM                      931422109       820     19,600 SH              X   X              19,600

 WASHINGTON MUT INC COM               939322103     1,980     37,315 SH          X                      37,315

 WASHINGTON MUT INC COM               939322103     1,287     24,250 SH              X   X              24,250

 WASTE MANAGEMENT INC COM             94106L109       617     22,249 SH          X                      22,249

 WELLPOINT HEALTH NETWORKS INC NEW    94973H108     1,041      9,030 SH          X                       9,030
 COM
 WELLPOINT HEALTH NETWORKS INC NEW    94973H108       496      4,300 SH              X   X               4,300
 COM
 WELLS FARGO CO COM                   949746101       588     10,559 SH          X                      10,559

 WELLS FARGO CO COM                   949746101       799     14,350 SH              X   X              14,350

 WILLIAMS COS INC COM                 969457100       274      6,850 SH          X                       6,850

 WILLIAMS COS INC COM                 969457100       452     11,314 SH              X   X              11,314

 WILMINGTON TR CORP COM               971807102         7        120 SH          X                         120

 WILMINGTON TR CORP COM               971807102       550      8,860 SH              X   X               8,860

 WORLDCOM INC COM                     98157D106       350     24,862 SH          X                      24,862

 WORLDCOM INC COM                     98157D106       172     12,224 SH              X   X              12,224

 XILINX INC COM                       983919101     1,313     28,476 SH          X                      28,476

 XILINX INC COM                       983919101        34        740 SH              X   X                 740

 XEROX CORP COM                       984121103       106     22,900 SH          X                      22,900

 XEROX CORP COM                       984121103        17      3,600 SH              X   X               3,600

                                               ----------
          PAGE TOTAL                               18,061
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289  6F TIAA CREF TRUST COMPANY FSB       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/01         PAGE   19
                                                                    AS OF 12/31/00
 - - - - - 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>
 NEW ZEALAND FUND LTD PARTNERSHIP     990213886     1,211     93,382 SH              X   X              93,382

                                               ----------
          PAGE TOTAL                                1,211
                                               ==========
         FINAL TOTALS                             338,988
</TABLE>


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