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SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D. C. 20549
SCHEDULE 13G
UNDER THE SECURITIES EXCHANGE ACT OF 1934
(AMENDMENT NO. 12)
FOREMOST CORPORATION OF AMERICA
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(NAME OF ISSUER)
COMMON STOCK
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(TITLE OF CLASS OF SECURITIES)
345469100
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(CUSIP NUMBER)
12/31/99
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(DATE)
CHECK THE FOLLOWING BOX IF FEE IS BEING PAID WITH THIS STATEMENT
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CUSIP NO. 345469100
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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
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2) Check the Appropriate Box if a
Member of a Group (a) __________
(See Instructions) (b) __________
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3) SEC Use only
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4) Citizenship or Place of
Organization ILLINOIS
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Number of Shares (5) Sole Voting Power 1,178,108
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Beneficially (6) Shared Voting Power 0
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Owned by (7) Sole Dispositive Power 1,178,108
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Each Reporting (8) Shared Dispositive Power 0
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Person with
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9) Aggregate Amount Beneficially 1,178,108
Owned by Each Reporting Person -------------
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10) Check if the Aggregate Amount
in Row (9) Excludes Certain
Shares (See Instructions)
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11) Percent of Class Represented
by Amount in Row 9 4.4%
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12) Type of Reporting Person
(See Instructions) HC
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SEC 13G
SECURITIES AND EXCHANGE COMMISSION
SCHEDULE 13G Amendment No. 12
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<S> <C> <C> <C>
Item 1(a) Name of Issuer: Foremost Corporation of America
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Item 1(b) Address of Issuer's principal executive
offices: 5600 Beech Tree Lane
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Caledonia, MI 49316
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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
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Item 2(e) CUSIP No.: 345469100
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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 :
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(a) Amount beneficially owned: 1,178,108
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(b) Percent of class 4.4%
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(c) Number of shares as to which such person has:
(I) Sole power to vote or to direct the vote: 1,178,108
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(ii) Shared power to vote or to direct the vote: 0
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(iii) Sole power to dispose or to direct the
disposition of: 1,178,108
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(iv) Shared power to dispose or to direct the
disposition of: 0
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</TABLE>
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<TABLE>
<S> <C>
Item 5. Ownership of 5 percent or less of a Class. [ X ]
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Item 6. Ownership of More than 5 percent on Behalf of Another Person. N/A
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Item 7. Identification and Classification of the Subsidiary Which Acquired the Security
Being Reported on By the Parent Holding Company.
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Bank One Trust Company, N.A.
Item 8. Identification and Classification of Members of the Group. N/A
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Item 9. Notice of Dissolution of Group. N/A
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Item 10. Certification.
</TABLE>
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: February 9, 2000
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BANK ONE CORPORATION
By: /s/ DAVID J. KUNDERT
David J. Kundert
EXECUTIVE VICE PRESIDENT
