FOREMOST CORP OF AMERICA
SC 13G/A, 1997-03-14
FIRE, MARINE & CASUALTY INSURANCE
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                     SECURITIES AND EXCHANGE COMMISSION
                           Washington, D. C. 20549


                                Schedule 13G


                  Under the Securities Exchange Act of 1934
                           (Amendment No. 9     )*


                       FOREMOST CORPORATION OF AMERICA
                                Common Stock
                                  345469100


                                                      


Check the following box if a fee is being paid with their statement [ ].  (A fee
is not required only if the filing person: (1) has a previous statement on
file reporting beneficial ownership of more than five percent of the class of
securities described in item 1; and (2) has filed no amendment subsequent 
thereto reporting beneficial ownership of  five percent or less of such class.)
(See rule 13d-7.)

*The remainder of this cover page shall be filled out for a reporting person's 
initial filing on this form with respect to the subject class of securities, 
and for any subsequent amendment containing information which would alter the
disclosures provided in a prior cover page.

The information required in the remainder of their cover page shall not be 
deemed to be "filed" for the purpose of Section 18 of the Securities Exchange 
Act of 1934 ("Act") or otherwise subject to the liabilities of that section of 
the Act but shall be subject to all other provisions of the Act (however, see 
the Notes.)

                                

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CUSIP No. 345469100                                               PAGE 2 of  4


1.  NAME OF REPORTING PERSON 

    S.S. or I.R.S. Identification No. of Above Person

    First Chicago NBD Corporation   38-1984850*

2.  CHECK THE APPROPRIATE BOX OF A MEMBER IF A GROUP*     (a)[ ] (b)[x]

3.  SEC USE ONLY

4.  CITIZENSHIP OR PLACE OF ORGANIZATION

    Delaware


NUMBER OF              5. SOLE VOTING POWER

 SHARES                   502,710

BENEFICIALLY           6. SHARED VOTING POWER

 OWNED BY                 -0-

   EACH                7. SOLE DISPOSITIVE POWER
                                  
 REPORTING                128,819

PERSON WITH            8. SHARED DISPOSITIVE POWER

                          391,730


9.  AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON

                         523,258

10. CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES


11. PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9

                         5.2

12. TYPE OF REPORTING PERSON*

    *Unless otherwise disclosed herein, all holdings of the Reporting Person 
     are indirect through one or more subsidiaries.

   HC CO

sec 1745 (6-80)   SEE INSTRUCTION BEFORE FILLING OUT!




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                                                                  Page 3 of  4
SEC 13G 


SECURITIES AND EXCHANGE COMMISSION


SCHEDULE 13G Amendment No.8


ITEM 1(A)  NAME OF ISSUER:
           Foremost Corporation of America 


ITEM 1(B)  ADDRESS OF ISSUER'S PRINCIPAL EXECUTIVE OFFICES:
           5800 Foremost Dr. S. E.t.
           Grand Rapids, MI  49412

                  
ITEM 2(A)  NAME OF PERSON FILING:
           First Chicago NBD Corporation. ("FCN")


ITEM 2(B)  ADDRESS OF PRINCIPAL BUSINESS OFFICES:
           One First National Plaza
           Chicago, Illinois   60670


ITEM 2(C)  CITIZENSHIP
           Delaware

 
ITEM 2(D)  TITLE OF CLASS OF SECURITIES:
           Common Stock

ITEM 2(E)  CUSIP NO.:
           345469100

ITEM 3     TYPE OF PERSON FILING:            
           (g) FCN is a Parent Holding Company in accordance with 240.13d-1(b)
           (ii)(g).                  


ITEM 4     OWNERSHIP: 

           The shares listed below were held in a fiduciary capacity by one or 
           more subsidiaries  of First Chicago NBD Corporation  as of  
           December 31, 1996

           A.) Amount Beneficially owned:  523,258

           B.) Percent of Class:  5.2                 

           C.) Number of shares to which the subject Holding company has:      
                1.) Sole power to vote or direct the vote: 502,710             
                2.) Shared power to vote or to direct the vote: -0-
                3.) Sole power to dispose or to direct the disposition of: 
                    128,819                              
                4.) Shares power to dispose or to direct the disposition of:  
                    391,730


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                                                                  Page 4 of  4



ITEM 5     OWNERSHIP OF  5 PERCENT OR LESS OF A CLASS:
           Not Applicable


ITEM 6     OWNERSHIP OF MORE THAN 5 PERCENT ON BEHALF OF ANOTHER PERSON:
           Not Applicable


ITEM 7     IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARY WHICH ACQUIRED 
           THE SECURITY BEING REPORTED ON BY THE PARENT HOLDING COMPANY: 
           See Item 3


ITEM 8     IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF THE GROUP:
           Not Applicable


ITEM 9     NOTICE OF DISSOLUTION OF GROUP:  NOT APPLICABLE


ITEM 10    CERTIFICATION:  By signing below I certify that to the best of my 
           knowledge and belief, the securities referred above were acquired 
           in the ordinary course of business and were not acquired for the 
           purpose of and do not have the effect of changing or influencing the
           control of the issuer of such securities and were not acquired in 
           connection with or as a participant in any transaction having such 
           purpose of effect.


           Signature: After reasonable inquiry and to the best of my knowledge 
           and belief, I certify that the information set forth in this 
           statement is true, complete and correct.


Dated:     March 14, 1997



                                       /s/ Daniel T. Lis                       
                                       -----------------------     
                                       Daniel T. Lis
                                       Assistant Secretary
                                       First Chicago NBD Corporation           
                                       (313) 225-3154


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