<PAGE> 1
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D. C. 20549
SCHEDULE 13G
Under the Securities Exchange Act of 1934
(Amendment No. 11)
Foremost Corporation of America
-------------------------------
(NAME OF ISSUER)
Common Stock
-------------------------------
(Title of Class of Securities)
345469100
-------------------------------
(CUSIP Number)
December 31, 1998
-------------------------------
(Date)
Check the following box if fee is being paid with this statement
-----------------------------------------------------
<PAGE> 2
CUSIP NO. 345469100
- ------------------------------------------------------------------------------
1) Names of Reporting Persons I.R.S. No. 31-0738296
S.S. or I.R.S. Identification Nos. of BANK ONE CORPORATION
Above Persons
- ------------------------------------------------------------------------------
2) Check the Appropriate Box if a
Member of a Group (a)
(See Instructions) (b)
- -----------------------------------------------------------------------------
3) SEC Use only
- ------------------------------------------------------------------------------
4) Citizenship or Place of
Organization ILLINOIS
- ------------------------------------------------------------------------------
Number of Shares (5) Sole Voting Power 1,400,578
-----------------
Beneficially (6) Shared Voting Power 0
----------------
Owned by (7) Sole Dispositive Power 1,382,086
-----------------
Each Reporting (8) Shared Dispositive Power 2,667
-----------------
Person with
- ------------------------------------------------------------------------------
9) Aggregate Amount Beneficially 1,400,578
---------------
Owned by Each Reporting Person
- ------------------------------------------------------------------------------
10) Check if the Aggregate Amount
in Row (9) Excludes Certain
Shares (See Instructions)
- ------------------------------------------------------------------------------
11) Percent of Class Represented
by Amount in Row 9 5.14%
-------------
- ------------------------------------------------------------------------------
12) Type of Reporting Person
(See Instructions) HC
-------------
<PAGE> 3
- ----------------------------------------------------------------------------
SEC 13G
SECURITIES AND EXCHANGE COMMISSION
SCHEDULE 13G Amendment No. 11
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.
-------------------------------
Grand Rapids, MI
-------------------------------
49412
-------------------------------
Item 2(a) Name of person filing: BANK ONE CORPORATION
Item 2(b) Address of principal business office or, One First National Plaza
if none residence: Chicago, IL 60670
Item 2(c) Citizenship: Not Applicable
Item 2(d) Title of class of securities: Common Stock
-----------------------
Item 2(e) CUSIP No.: 345469100
-----------------------
Item 3. This statement is filed pursuant to Rule 13d-1(c).
Item 4. Ownership
This beneficial ownership by BANK ONE CORPORATION with respect to
common shares of Foremost Corporation of America
---------------------------------------------------
:
----------------------------------------------------------------------
(a) Amount beneficially owned: 1,400,578
--------------
(b) Percent of class 5.14%
--------------
(c) Number of shares as to which such person has:
(I) Sole power to vote or to direct the vote: 1,400,578
--------------
(ii) Shared power to vote or to direct the vote: 0
--------------
(iii) Sole power to dispose or to direct the
disposition of: 1,382,086
--------------
(iv) Shared power to dispose or to direct the
disposition of: 2,667
--------------
<PAGE> 4
Item 5. Ownership of 5 percent or less of a Class. N/A
----------
Item 6. Ownership of More than 5 percent on Behalf of Another Person. N/A
---------
Item 7. Identification and Classification of the Subsidiary Which Acquired
the Security Being Reported on By the Parent Holding Company.
NBD Bank (Michigan)
NBD Bank (Indiana, NA)
Item 8. Identification and Classification of Members of the Group. N/A
-----------
Item 9. Notice of Dissolution of Group. N/A
-----------
Item 10. Certification.
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: 2/1/99
-------------
BANK ONE CORPORATION
By: /s/ DAVID J. KUNDERT
David J. Kundert
EXECUTIVE VICE PRESIDENT
