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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
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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
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PAGE TOTAL 14,382
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<TABLE>
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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
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PAGE TOTAL 17,096
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<TABLE>
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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
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PAGE TOTAL 17,514
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<TABLE>
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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
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PAGE TOTAL 16,767
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<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
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PAGE TOTAL 24,618
</TABLE>
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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
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PAGE TOTAL 10,377
</TABLE>
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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
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PAGE TOTAL 20,262
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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
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PAGE TOTAL 19,903
</TABLE>
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<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
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PAGE TOTAL 15,208
</TABLE>
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<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
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PAGE TOTAL 1,211
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FINAL TOTALS 338,988
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