SECURITY NATIONAL BANK OF SO DAK
13F-HR, 2000-02-15
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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: 12/31/99 CHECK HERE IF
AMENDMENT ( ); AMENDMENT NUMBER:
THIS AMENDMENT (CHECK ONLY ONE.):  ( ) IS A RESTATEMENT.
( ) ADDS NEW HOLDINGS ENTRIES
INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT:
NAME:    Security National Bank Of So Dak
ADDRESS: 600 Stevens Port Drive
Dakota Dunes So Dak  57049

THE INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT AND
THE PERSON BY WHOM IT IS SIGNED HEREBY REPRESENT THAT THE
PERSON SIGNING THE REPORT IS AUTHORIZED TO SUBMIT IT, THAT ALL
INFORMATION CONTAINED HEREIN IS TRUE, CORRECT AND COMPLETE,
AND THAT IT IS UNDERSTOOD THAT ALL REQUIRED ITEMS, STATEMENTS
SCHEDULES, LISTS, AND TABLES, ARE CONSIDERED INTEGRAL PARTS OF
THIS FORM.
PERSON SIGNING THIS REPORT ON BEHALF OF REPORTING MANAGER:
NAME:     Jeanette Wendt


TITLE:    Ass't Vice President
PHONE:    (712)277-6749
SIGNATURE,PLACE,AND DATE OF SIGNING:
              Jeanette Wendt                     Sioux City, IA
2/11/00
REPORT TYPE (CHECK ONLY ONE.):


(   X)      13F HOLDINGS REPORT
(    )      13F NOTICE
(    )      13F COMBINATION REPORT
LIST OF OTHER MANAGERS REPORTING FOR THIS
MANAGER:


    NONE
I   AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE ACT OF
1934.
<PAGE>
              FORM 13F SUMMARY PAGE
REPORT SUMMARY:
NUMBER OF OTHER INCLUDED MANAGERS:        0


FORM 13F INFORMATION TABLE ENTRY TOTAL:    110
FORM 13F INFORMATION TABLE VALUE TOTAL:          $62,853
<PAGE>
<TABLE>              <C>                                           <C>
                                       FORM 13F INFORMATION
TABLE
                             VALUE   SHARES/  SH/ PUT/ INVSTMT
OTHER            VOTING AUTHORITY
         NAME OF ISSUER      TITLE OF CLASS   CUSIP   (X1000)  PRN
AMT  PRN CALL DSCRETN   MANAGERS       SOLE    SHARED    NONE
- - ------------------------------ ---------------- --------- -------- -------- ---
- - ---- ------- ------------ -------- -------- ------
- - --
AT & T CORP COMMON      COMMON STOCK   001957109      319
    6277 SH   DEFINED        6277 0    0
AT & T CORP COMMON      COMMON STOCK   001957109      139
    2733 SH   OTHER          2733 0    0
ABBOTT LABORATORIES          COMMON STOCK   002824100
    73        2000 SH   DEFINED        2000 0    0
ABBOTT LABORATORIES          COMMON STOCK   002824100      160
    4400 SH   OTHER          4400 0    0
AMERICAN EXPRESS CO COM      COMMON STOCK   025816109      432
    2600 SH   DEFINED        2600 0    0
AMERICAN HOME PRODS CORP COM      COMMON STOCK   026609107
    520  13248 SH  DEFINED   13248     0    0
AMERICAN HOME PRODS CORP COM      COMMON STOCK   026609107
    177       4522 SH   OTHER          4522 0    0
AMERICAN INTL GROUP INC      COMMON STOCK   026874107      333
    3077 SH   DEFINED        3077 0    0
AMERICAN INTL GROUP INC      COMMON STOCK   026874107
    34         313 SH   OTHER           313 0    0
BESTFOODS COM      COMMON STOCK   08658U101      155
    2950 SH   DEFINED        2950 0    0
BESTFOODS COM      COMMON STOCK   08658U101           58
    1100 SH   OTHER          1100 0    0
BP AMOCO PLC SPONSORED ADR        COMMON STOCK   055622104     1297
    21868 SH  DEFINED   21868     0    0
BP AMOCO PLC SPONSORED ADR        COMMON STOCK   055622104
    333       5616 SH   OTHER          5616 0    0
BRISTOL-MYERS SQUIBB CO      COMMON STOCK   110122108     1509  23504
SH  DEFINED   23504     0    0
BRISTOL-MYERS SQUIBB CO      COMMON STOCK   110122108      439
    6840 SH   OTHER          6840 0    0
CAMPBELL SOUP CO        COMMON STOCK   134429109      225
    5825 SH   DEFINED        5825 0    0
CAMPBELL SOUP CO        COMMON STOCK   134429109           77
    2000 SH   OTHER          2000 0    0
CISCO SYS INC      COMMON STOCK   17275R102      621       5800 SH
    DEFINED        5800 0    0
CITIGROUP INC      COMMON STOCK   172967101      262
    4705 SH   DEFINED        4705 0    0
CITIGROUP INC      COMMON STOCK   172967101           37
     665 SH   OTHER           665 0    0
COCA COLA CO COM        COMMON STOCK   191216100     1057  18146 SH
    DEFINED   18146     0    0
COCA COLA CO COM        COMMON STOCK   191216100      290
    4975 SH   OTHER          4975 0    0
CONAGRA, INC. COMMON         COMMON STOCK   205887102      475
    20949 SH  DEFINED   20949     0    0
CONAGRA, INC. COMMON         COMMON STOCK   205887102
    11         500 SH   OTHER           500 0    0
DEAN FOODS CO      COMMON STOCK   242361103      460  11575
SH  DEFINED   11575     0    0
DEAN FOODS CO      COMMON STOCK   242361103      170
    4275 SH   OTHER          4275 0    0
DOW CHEM CO COM         COMMON STOCK   260543103      174
    1300 SH   DEFINED        1300 0    0
DOW CHEM CO COM         COMMON STOCK   260543103      134
    1000 SH   OTHER          1000 0    0
EMERSON ELECTRIC CO          COMMON STOCK   291011104      301
    5250 SH   DEFINED        5250 0    0
EMERSON ELECTRIC CO          COMMON STOCK   291011104
    46         800 SH   OTHER           800 0    0
ENRON CORP (FORMERLY INTERNORT COMMON STOCK 293561106      666
    15000 SH  DEFINED   15000     0    0
ENRON CORP (FORMERLY INTERNORT COMMON STOCK 293561106      107
    2400 SH   OTHER          2400 0    0
EXXON MOBIL CORP        COMMON STOCK   30231G102      925  11480
SH  DEFINED   11480     0    0
EXXON MOBIL CORP        COMMON STOCK   30231G102      248
    3084 SH   OTHER          3084 0    0
FANNIE MAE         COMMON STOCK   313586109      219       3500 SH
    DEFINED        3500 0    0
FANNIE MAE         COMMON STOCK   313586109           12
200 SH   OTHER           200 0    0
FIRSTAR CORP WISC NEW    COMMON STOCK  33763V109    24382  1154162 SH
    DEFINED             1154162        0        0
GATEWAY INC        COMMON STOCK   367626108      123       1700 SH
    DEFINED        1700 0    0
GATEWAY INC        COMMON STOCK   367626108      908  12600 SH
    OTHER     12600     0    0
GENERAL ELEC CO COM          COMMON STOCK   369604103     1962  12680
SH  DEFINED   12680     0    0
GENERAL ELEC CO COM          COMMON STOCK   369604103      573
    3700 SH   OTHER          3700 0    0
GTE CORP (FORMLY GEN TEL & ELE COMMON STOCK 362320103      254
    3595 SH   DEFINED        3595 0    0
GTE CORP (FORMLY GEN TEL & ELE COMMON STOCK 362320103
    40         565 SH   OTHER           565 0    0
HARLEY DAVIDSON INC          COMMON STOCK   412822108      564
    8800 SH   DEFINED        8800 0    0
HOME DEPOT INC          COMMON STOCK   437076102      361
    5250 SH   OTHER          5250 0    0


HONEYWELL INTL INC COM  COMMON STOCK   438516106 270  4687 SH
    DEFINED   4687 0    0
IBP, INC.     COMMON STOCK   449223106     1233    68491 SH     DEFINED
      68491
    0    0
ILLINOIS TOOL WKS INC   COMMON STOCK   452308109 209  3097 SH
    DEFINED   3097 0    0
ILLINOIS TOOL WKS INC   COMMON STOCK   452308109 126  1858 SH   OTHER
    1858 0    0
INTEL CORP    COMMON STOCK   458140100 535  6500 SH   DEFINED   6500
    0    0
INTEL CORP    COMMON STOCK   458140100       7     80 SH   OTHER       80
    0    0
INTERNATIONAL BUSINESS MACHS C COMMON STOCK 459200101 453  4200 SH
    DEFINED   4200 0    0
INTERNATIONAL BUSINESS MACHS C COMMON STOCK 459200101 142  1320 SH
    OTHER     1320 0    0
JACOBS ENGR GROUP INC   COMMON STOCK   469814107 209  6425 SH
    DEFINED   6425 0    0
JACOBS ENGR GROUP INC   COMMON STOCK   469814107      26    800 SH
    OTHER      800 0    0
JOHNSON & JOHNSON COMMON     COMMON STOCK   478160104 373  4000 SH
    DEFINED   4000 0    0
KELLOGG COMPANY COMMON STOCK COMMON STOCK   487836108 111
    3600 SH   DEFINED   3600 0    0
KELLOGG COMPANY COMMON STOCK COMMON STOCK   487836108 136
    4400 SH   OTHER     4400 0    0
KEYCORP NEW   COMMON STOCK   493267108 185  8360 SH   DEFINED   8360
    0    0
KEYCORP NEW   COMMON STOCK   493267108      63   2825 SH   OTHER     2825
    0    0
LUCENT TECHNOLOGIES INC COMMON STOCK   549463107      73    967 SH
    DEFINED    967 0    0
LUCENT TECHNOLOGIES INC COMMON STOCK   549463107 140  1862 SH   OTHER
    1862 0    0
M & T BANK CORP    COMMON STOCK   55261F104 414  1000 SH   DEFINED
    1000 0    0
MBIA INC COMMON STOCK   55262C100 264  4990 SH   DEFINED   4990
    0    0
MBIA INC COMMON STOCK   55262C100      57   1085 SH   OTHER     1085
    0    0
MCI WORLDCOM INC   COMMON STOCK   55268B106 436  8213 SH   DEFINED
    8213 0    0
MCI WORLDCOM INC   COMMON STOCK   55268B106      45    855 SH   OTHER
855 0    0
MEDIA ONE GROUP INC     COMMON STOCK   58440J104 224  2915 SH
    DEFINED   2915 0    0
MEDIA ONE GROUP INC     COMMON STOCK   58440J104      13    164 SH
    OTHER      164 0    0
MEDTRONIC, INC     COMMON STOCK   585055106     1137    31200 SH     DEFINED

31200    0    0
MERCK & CO INC COM COMMON STOCK   589331107 348  5175 SH   DEFINED
    5175 0    0
MERCK & CO INC COM COMMON STOCK   589331107 492  7316 SH   OTHER     7316
    0    0
MICROSOFT CORP     COMMON STOCK   594918104 409  3500 SH   DEFINED
    3500 0    0
MICROSOFT CORP     COMMON STOCK   594918104 525  4500 SH   OTHER     4500
    0    0
MINNESOTA MNG & MFG CO COM   COMMON STOCK   604059105 411  4200 SH
    DEFINED   4200 0    0
MINNESOTA MNG & MFG CO COM   COMMON STOCK   604059105 294  3000 SH
    OTHER     3000 0    0
MONSANTO CO COM    COMMON STOCK   611662107 398    11240 SH     DEFINED

11240    0    0
MORGAN STANLEY DEAN WITTER & C COMMON STOCK 617446448 213  1489 SH
    DEFINED   1489 0    0
NOKIA CORP SPONSORED ADR A   COMMON STOCK   654902204 640  3350 SH
    DEFINED   3350 0    0
ORACLE CORPORATION COMMON STOCK   68389X105 397  3543 SH
    DEFINED   3543 0    0
PARK NATL CORP     COMMON STOCK   700658107 720  7497 SH   DEFINED
    7497 0    0
PEPSICO INC   COMMON STOCK   713448108 152  4307 SH   DEFINED   4307
    0    0
PEPSICO INC   COMMON STOCK   713448108 157  4450 SH   OTHER     4450 0
    0
PFIZER INC COM     COMMON STOCK   717081103 193  5950 SH   DEFINED
    5950 0    0
PFIZER INC COM     COMMON STOCK   717081103 146  4500 SH   OTHER     4500
    0    0
QUAKER OATS CO COM COMMON STOCK   747402105 420  6400 SH
    DEFINED   6400 0    0
RAYTHEON COMPANY CLASS B COM COMMON STOCK   755111408 159  6000 SH
    DEFINED   6000 0    0
RAYTHEON COMPANY CLASS B COM COMMON STOCK   755111408      43
    1600 SH   OTHER     1600 0    0
ROYAL DUTCH PETROLEUM CO NY RE COMMON STOCK 780257804 478  7900 SH
    DEFINED   7900 0    0
ROYAL DUTCH PETROLEUM CO NY RE COMMON STOCK 780257804 176  2900 SH
    OTHER     2900 0    0
SAP AG SPONSORED ADR    COMMON STOCK   803054204 249  4775 SH
    DEFINED   4775 0    0
SAP AG SPONSORED ADR    COMMON STOCK   803054204 176  3375 SH   OTHER
    3375 0    0
SPRINT CORP (FORMERLY UTD TELE COMMON STOCK 852061100 323  4800 SH
    DEFINED   4800 0    0
SUN MICROSYSTEMS INC    COMMON STOCK   866810104 867    11200 SH
    DEFINED               11200   0    0
SUN MICROSYSTEMS INC    COMMON STOCK   866810104 186  2400 SH   OTHER
    2400 0    0
U S WEST INC NEW   COMMON STOCK   91273H101 277  3851 SH   DEFINED
    3851 0    0
U S WEST INC NEW   COMMON STOCK   91273H101      12    168 SH   OTHER
168 0    0
ULTRAMAR DIAMOND SHAMROCK CORP COMMON STOCK 904000106 182  8005 SH
    DEFINED   8005 0    0
ULTRAMAR DIAMOND SHAMROCK CORP COMMON STOCK 904000106      33
    1475 SH   OTHER     1475 0    0
UNITED TECHNOLOGIES CORP     COMMON STOCK   913017109 254  3915 SH
    DEFINED   3915 0    0
UNITED TECHNOLOGIES CORP     COMMON STOCK   913017109      13
200 SH   OTHER      200 0    0
VODAFONE GROUP PLC COMMON STOCK   92857T107 272  5500 SH   OTHER
    5500 0    0
WALMART STORES INC COMMON STOCK   931142103     1106    16000 SH
    DEFINED               16000   0    0
WARNER-LAMBERT CO  COMMON STOCK   934488107 467  5700 SH
    DEFINED   5700 0    0
WELLS FARGO & CO NEW    COMMON STOCK   949746101 929    22988 SH
    DEFINED               22988   0    0
MIDCAP SPDR TR SER 1    OTHER     595635103 188  2315 SH   DEFINED   2315
    0    0
MIDCAP SPDR TR SER 1    OTHER     595635103 227  2800 SH   OTHER     2800 0
    0
S & P 500 DEPOSITARY RCPT SPDR OTHER   78462F103     1488    10133 SH     DEFINE
D
10133    0    0
S & P 500 DEPOSITARY RCPT SPDR OTHER   78462F103 295  2007 SH   OTHER     2007
    0    0
</TABLE>


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