SECURITY NATIONAL BANK OF SO DAK
13F-HR, 2000-05-09
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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: 3/31/00

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 Dr.
         Dakota Dunes SD 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           4/6/00


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:    103

FORM 13F INFORMATION TABLE VALUE TOTAL:              $38,937
<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
- ------------------------------ ---------------- --------- -------- -------- ---
- ---- ------- ------------ -------- -------- -------
- -

A T & T CORP COMMON            COMMON STOCK     001957109      440     7814 SH
     DEFINED
7814        0        0
A T & T CORP COMMON            COMMON STOCK     001957109      194     3453 SH
     OTHER
3453        0        0
ABBOTT LABORATORIES            COMMON STOCK     002824100       70     2000 SH
     DEFINED
2000        0        0
ABBOTT LABORATORIES            COMMON STOCK     002824100      155     4400 SH
     OTHER
4400        0        0
AMERICAN EXPRESS CO COM        COMMON STOCK     025816109      392     2630 SH

DEFINED                2630        0        0
AMERICAN HOME PRODS CORP COM   COMMON STOCK     026609107      714    13278 SH

DEFINED               13278        0        0
AMERICAN HOME PRODS CORP COM   COMMON STOCK     026609107      243     4522 SH

OTHER                  4522        0        0
AMERICAN INTL GROUP INC        COMMON STOCK     026874107      426     3887 SH

DEFINED                3887        0        0
AMERICAN INTL GROUP INC        COMMON STOCK     026874107       90      820 SH
     OTHER
820        0        0
BERKSHIRE HATHAWAY INC DEL CL  COMMON STOCK     084670207      207      114 SH

DEFINED                 114        0        0
BP AMOCO PLC SPONSORED ADR     COMMON STOCK     055622104     1284    24120 SH

DEFINED               24120        0        0
BP AMOCO PLC SPONSORED ADR     COMMON STOCK     055622104      312     5853 SH

OTHER                  5853        0        0
BRISTOL-MYERS SQUIBB CO        COMMON STOCK     110122108     1414    24374 SH

DEFINED               24374        0        0
BRISTOL-MYERS SQUIBB CO        COMMON STOCK     110122108      432     7445 SH
     OTHER
7445        0        0
CISCO SYS INC                  COMMON STOCK     17275R102      621     8038 SH
     DEFINED
8038        0        0
CITIGROUP INC                  COMMON STOCK     172967101      346     5775 SH
     DEFINED
5775        0        0
CITIGROUP INC                  COMMON STOCK     172967101      105     1755 SH
     OTHER
1755        0        0
COCA COLA CO COM               COMMON STOCK     191216100      873    18606 SH
     DEFINED
18606        0        0
COCA COLA CO COM               COMMON STOCK     191216100      285     6075 SH
     OTHER
6075        0        0
CONAGRA, INC. COMMON           COMMON STOCK     205887102      380    20949 SH
     DEFINED
20949        0        0
CONAGRA, INC. COMMON           COMMON STOCK     205887102       18     1000 SH
     OTHER
1000        0        0
DOW CHEM CO COM                COMMON STOCK     260543103      148     1300 SH
     DEFINED
1300        0        0
DOW CHEM CO COM                COMMON STOCK     260543103      143     1250 SH
     OTHER
1250        0        0
EMERSON ELECTRIC CO            COMMON STOCK     291011104      279     5250 SH
     DEFINED
5250        0        0
EMERSON ELECTRIC CO            COMMON STOCK     291011104       43      800 SH
     OTHER
800        0        0
ENRON CORP (FORMERLY INTERNORT COMMON STOCK     293561106     1124    15013 SH

DEFINED               15013        0        0
ENRON CORP (FORMERLY INTERNORT COMMON STOCK     293561106      180     2400 SH

OTHER                  2400        0        0
EXXON MOBIL CORP               COMMON STOCK     30231G102      896    11492 SH
     DEFINED
11492        0        0
EXXON MOBIL CORP               COMMON STOCK     30231G102      318     4084 SH
     OTHER
4084        0        0
FANNIE MAE                     COMMON STOCK     313586109      198     3500 SH
     DEFINED
3500        0        0
FANNIE MAE                     COMMON STOCK     313586109       11      200 SH
     OTHER
200        0        0
FLEETBOSTON FINANCIAL CORP     COMMON STOCK     339030108       75     2044 SH

DEFINED                2044        0        0
FLEETBOSTON FINANCIAL CORP     COMMON STOCK     339030108      162     4448 SH

OTHER                  4448        0        0
GATEWAY INC                    COMMON STOCK     367626108       90     1700 SH
     DEFINED
1700        0        0
GATEWAY INC                    COMMON STOCK     367626108      668    12600 SH
     OTHER
12600        0        0
GENERAL ELEC CO COM            COMMON STOCK     369604103     2226    14306 SH
     DEFINED
14306        0        0
GENERAL ELEC CO COM            COMMON STOCK     369604103      695     4465 SH
     OTHER
4465        0        0
GTE CORP (FORMLY GEN TEL & ELE COMMON STOCK     362320103      314     4421 SH

DEFINED                4421        0        0
GTE CORP (FORMLY GEN TEL & ELE COMMON STOCK     362320103       73     1035 SH

OTHER                  1035        0        0
HARLEY DAVIDSON INC            COMMON STOCK     412822108      679     8550 SH
     DEFINED
8550        0        0
HARLEY DAVIDSON INC            COMMON STOCK     412822108       20      250 SH
     OTHER
250        0        0
HEWLETT PACKARD CO COMMON      COMMON STOCK     428236103      441     3320 SH

DEFINED                3320        0        0
HEWLETT PACKARD CO COMMON      COMMON STOCK     428236103       44      330 SH

OTHER                   330        0        0
HOME DEPOT INC                 COMMON STOCK     437076102      339     5250 SH
     OTHER
5250        0        0
HONEYWELL INTL INC COM         COMMON STOCK     438516106      247     4687 SH

DEFINED                4687        0        0
IBP, INC.                      COMMON STOCK     449223106     1079    68491 SH
     DEFINED
68491        0        0
ILLINOIS TOOL WKS INC          COMMON STOCK     452308109      155     2798 SH
     DEFINED
2798        0        0
ILLINOIS TOOL WKS INC          COMMON STOCK     452308109      100     1816 SH
     OTHER
1816        0        0
INTEL CORP                     COMMON STOCK     458140100      862     6536 SH
     DEFINED
6536        0        0
INTEL CORP                     COMMON STOCK     458140100       11       80 SH
     OTHER                    80
0        0
INTERNATIONAL BUSINESS MACHS C COMMON STOCK     459200101      498     4224 SH

DEFINED                4224        0        0
INTERNATIONAL BUSINESS MACHS C COMMON STOCK     459200101      156     1320 SH

OTHER                  1320        0        0
JACOBS ENGR GROUP INC          COMMON STOCK     469814107      205     6425 SH
     DEFINED
6425        0        0
JACOBS ENGR GROUP INC          COMMON STOCK     469814107       33     1050 SH
     OTHER
1050        0        0
JOHNSON & JOHNSON COMMON       COMMON STOCK     478160104      418     5950 SH

DEFINED                5950        0        0
JOHNSON & JOHNSON COMMON       COMMON STOCK     478160104       71     1015 SH

OTHER                  1015        0        0
KELLOGG COMPANY COMMON STOCK   COMMON STOCK     487836108       93     3600 SH

DEFINED                3600        0        0
KELLOGG COMPANY COMMON STOCK   COMMON STOCK     487836108      126     4900 SH

OTHER                  4900        0        0
M & T BANK CORP                COMMON STOCK     55261F104      335      750 SH
     DEFINED
750        0        0
MBIA INC                       COMMON STOCK     55262C100      263     5050 SH
     DEFINED
5050        0        0
MBIA INC                       COMMON STOCK     55262C100       83     1585 SH
     OTHER
1585        0        0
MCI WORLDCOM INC               COMMON STOCK     55268B106      480    10587 SH
     DEFINED
10587        0        0
MCI WORLDCOM INC               COMMON STOCK     55268B106      101     2230 SH
     OTHER
2230        0        0
MEDIA ONE GROUP INC            COMMON STOCK     58440J104      236     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     1545    30034 SH
     DEFINED
30034        0        0
MERCK & CO INC COM             COMMON STOCK     589331107      352     5660 SH
     DEFINED
5660        0        0
MERCK & CO INC COM             COMMON STOCK     589331107      491     7901 SH
     OTHER
7901        0        0
MICROSOFT CORP                 COMMON STOCK     594918104      660     6210 SH
     DEFINED
6210        0        0
MICROSOFT CORP                 COMMON STOCK     594918104      641     6029 SH
     OTHER
6029        0        0
MINNESOTA MNG & MFG CO COM     COMMON STOCK     604059105      372     4200 SH

DEFINED                4200        0        0
MINNESOTA MNG & MFG CO COM     COMMON STOCK     604059105      288     3250 SH

OTHER                  3250        0        0
MONSANTO CO COM                COMMON STOCK     611662107      579    11240 SH
     DEFINED
11240        0        0
NOKIA CORP SPONSORED ADR A     COMMON STOCK     654902204      745     3354 SH

DEFINED                3354        0        0
NOKIA CORP SPONSORED ADR A     COMMON STOCK     654902204       56      250 SH
     OTHER
250        0        0
ORACLE CORPORATION             COMMON STOCK     68389X105      557     7131 SH
     DEFINED
7131        0        0
PARK NATL CORP                 COMMON STOCK     700658107      493     5597 SH
     DEFINED
5597        0        0
PEPSICO INC                    COMMON STOCK     713448108      165     4744 SH
     DEFINED
4744        0        0
PEPSICO INC                    COMMON STOCK     713448108      164     4700 SH
     OTHER
4700        0        0
PFIZER INC COM                 COMMON STOCK     717081103      303     8300 SH
     DEFINED
8300        0        0
PFIZER INC COM                 COMMON STOCK     717081103      181     4960 SH
     OTHER
4960        0        0
QUAKER OATS CO COM             COMMON STOCK     747402105      389     6414 SH
     DEFINED
6414        0        0
ROYAL DUTCH PETROLEUM CO NY RE COMMON STOCK     780257804      602    10418 SH

DEFINED               10418        0        0
ROYAL DUTCH PETROLEUM CO NY RE COMMON STOCK     780257804      238     4120 SH

OTHER                  4120        0        0
SAP AG SPONSORED ADR           COMMON STOCK     803054204      282     4720 SH
     DEFINED
4720        0        0
SAP AG SPONSORED ADR           COMMON STOCK     803054204      193     3225 SH
     OTHER
3225        0        0
SPRINT CORP (FORMERLY UTD TELE COMMON STOCK     852061100      304     4800 SH

DEFINED                4800        0        0
SUN MICROSYSTEMS INC           COMMON STOCK     866810104     1138    12144 SH
     DEFINED
12144        0        0
SUN MICROSYSTEMS INC           COMMON STOCK     866810104      358     3820 SH
     OTHER
3820        0        0
U S WEST INC NEW               COMMON STOCK     91273H101      280     3853 SH
     DEFINED
3853        0        0
U S WEST INC NEW               COMMON STOCK     91273H101       12      168 SH
     OTHER
168        0        0
UNITED TECHNOLOGIES CORP       COMMON STOCK     913017109      272     4305 SH

DEFINED                4305        0        0
UNITED TECHNOLOGIES CORP       COMMON STOCK     913017109       18      290 SH
     OTHER
290        0        0
VODAFONE GROUP PLC             COMMON STOCK     92857T107        1       24 SH
     DEFINED
24        0        0
VODAFONE GROUP PLC             COMMON STOCK     92857T107      306     5500 SH
     OTHER
5500        0        0
WALMART STORES INC             COMMON STOCK     931142103     1289    22814 SH
     DEFINED
22814        0        0
WALMART STORES INC             COMMON STOCK     931142103      103     1820 SH
     OTHER
1820        0        0
WARNER-LAMBERT CO              COMMON STOCK     934488107      560     5732 SH
     DEFINED
5732        0        0
WELLS FARGO & CO NEW           COMMON STOCK     949746101      238     5849 SH
     DEFINED
5849        0        0
MIDCAP SPDR TR SER 1           OTHER            595635103      129     1410 SH
     DEFINED
1410        0        0
MIDCAP SPDR TR SER 1           OTHER            595635103      246     2700 SH
     OTHER
2700        0        0
S & P 500 DEPOSITARY RCPT SPDR OTHER            78462F103      605     4023 SH
     DEFINED
4023        0        0
S & P 500 DEPOSITARY RCPT SPDR OTHER            78462F103       53      353 SH
     OTHER
353        0        0
</TABLE>


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