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[DESCRIPTION] FORM 13F
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 09/30/1999
Check here if Amendment [X] Amendment Number: 1
This Amendment [X] is a restatement
[ ] adds new holding entries
Institutional Investment Manager Filing this Report:
Name: CITIZENS BANK
Address: 101 N WASHINGTON AVE - 332022
SAGINAW, MI 48607
13F File Number: 28-00184
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 intergral parts of
this form.
Person Signing this Report on Behalf of Reporting Manager:
Name: Joyce L Lehman
Title: Trust Officer
Phone: 810-766-7761
Signature, Place, and Date of Signing:
Joyce L Lehman Flint, MI 11/10/1999
Report Type (Check only one)
[X] 13F HOLDINGS REPORT
[ ] 13F NOTICE
[ ] 13F COMBINATION REPORT
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: 377
Form 13F Information Table Value Total: $ 539,861
List of Other Included Managers:
NONE
<TABLE> <C> <C>
FORM 13F INFORMATION TABLE
TITLE VALUE SHARES/ SH/ PUT/
NAME OF ISSUER OF CLASS CUSIP (X $1000) PRN AMOUNT PRN CALL
SECURITY NAME SUBCLASS
AFLAC CORP COMMON STOCK 001055102 2422 57849 SH
AFLAC CORP COMMON STOCK 001055102 110 2625 SH
AMR CORP COMMON STOCK 001765106 447 8200 SH
A T & T CORP COMMON STOCK 001957109 1889 43432 SH
A T & T CORP COMMON STOCK 001957109 30 690 SH
A T & T CORP COMMON STOCK 001957109 4602 105802 SH
A T & T CAP CORP PREFERRED STOCK 00206J308 144 5900 SH
A T & T CAP CORP PREFERRED STOCK 00206J308 10 400 SH
A T & T CAP CORP PREFERRED STOCK 00206J308 117 4806 SH
ABBOTT LABS COMMON STOCK 002824100 3221 87784 SH
ABBOTT LABS COMMON STOCK 002824100 2050 55868 SH
AEGON N V FOREIGN STOCK 007924103 207 2388 SH
AEGON N V FOREIGN STOCK 007924103 72 832 SH
AIMCO RESOURCE INC COMMON STOCK 008999997 294 36700 SH
AIR PROD & CHEM INC COMMON STOCK 009158106 525 17941 SH
AIR PROD & CHEM INC COMMON STOCK 009158106 45 1530 SH
ALLIED SIGNAL INC COMMON STOCK 019512102 107 1778 SH
ALLIED SIGNAL INC COMMON STOCK 019512102 339 5652 SH
ALLSTATE CORP COMMON STOCK 020002101 286 11470 SH
ALLSTATE CORP COMMON STOCK 020002101 95 3826 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 723 5353 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 27 200 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 868 6430 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 2577 62103 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 3619 87194 SH
AMERICAN INTL GROUP INC COMMON STOCK 026874107 6263 72046 SH
AMERICAN INTL GROUP INC COMMON STOCK 026874107 1185 13633 SH
AMERITECH CORP NEW COMMON STOCK 030954101 3758 56299 SH
AMERITECH CORP NEW COMMON STOCK 030954101 4841 72522 SH
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 14 200 SH
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 280 4000 SH
AON CORP COMMON STOCK 037389103 201 6787 SH
AON CORP COMMON STOCK 037389103 239 8096 SH
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 124 10226 SH
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 254 20952 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 219 6076 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 342 9487 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 416 4689 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 1876 21163 SH
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 1100 24657 SH
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 678 15200 SH
BP AMOCO PLC FOREIGN STOCK 055622104 5579 50343 SH
BP AMOCO PLC FOREIGN STOCK 055622104 16 145 SH
BP AMOCO PLC FOREIGN STOCK 055622104 1809 16329 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 149 2682 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 1053 18905 SH
BANK ONE CORP COMMON STOCK 06423A103 6136 176269 SH
BANK ONE CORP COMMON STOCK 06423A103 1480 42512 SH
BAXTER INTL INC COMMON STOCK 071813109 108 1800 SH
BAXTER INTL INC COMMON STOCK 071813109 370 6149 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 2479 36827 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 6066 90118 SH
BELLSOUTH CORP COMMON STOCK 079860102 2366 52584 SH
BELLSOUTH CORP COMMON STOCK 079860102 5149 114415 SH
BESTFOODS INC COMMON STOCK 08658U101 368 7568 SH
BESTFOODS INC COMMON STOCK 08658U101 188 3866 SH
BLACK & DECKER COMMON STOCK 091797100 947 20721 SH
BLACK & DECKER COMMON STOCK 091797100 7 160 SH
BOEING CO COMMON STOCK 097023105 208 4889 SH
BOEING CO COMMON STOCK 097023105 2244 52655 SH
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 2888 42789 SH
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 4310 63858 SH
CBS CORP COMMON STOCK 12490K107 137 2971 SH
CBS CORP COMMON STOCK 12490K107 72 1550 SH
CMS ENERGY CORP COMMON STOCK 125896100 220 6492 SH
CMS ENERGY CORP COMMON STOCK 125896100 3 100 SH
CMS ENERGY CORP COMMON STOCK 125896100 293 8621 SH
CSX CORP COMMON STOCK 126408103 15 356 SH
CSX CORP COMMON STOCK 126408103 310 7323 SH
CAROLINA PWR & LT CO COMMON STOCK 144141108 86 2423 SH
CAROLINA PWR & LT CO COMMON STOCK 144141108 233 6590 SH
CATERPILLAR TRACTOR CO COMMON STOCK 149123101 302 5514 SH
CATERPILLAR TRACTOR CO COMMON STOCK 149123101 98 1794 SH
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 71 940 SH
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 151 2000 SH
CHEVRON CORP COMMON STOCK 166751107 1376 15505 SH
CHEVRON CORP COMMON STOCK 166751107 18 200 SH
CHEVRON CORP COMMON STOCK 166751107 871 9818 SH
CISCO SYS INC COMMON STOCK 17275R102 3198 46640 SH
CISCO SYS INC COMMON STOCK 17275R102 19 280 SH
CISCO SYS INC COMMON STOCK 17275R102 1293 18855 SH
CITIGROUP INC COMMON STOCK 172967101 149 3381 SH
CITIGROUP INC COMMON STOCK 172967101 471 10712 SH
CITIZENS BKG CORP COMMON STOCK 174420109 24593 941353 SH
CITIZENS BKG CORP COMMON STOCK 174420109 222 8485 SH
CITIZENS BKG CORP COMMON STOCK 174420109 14273 546322 SH
COCA-COLA CO COMMON STOCK 191216100 1095 22688 SH
COCA-COLA CO COMMON STOCK 191216100 19 400 SH
COCA-COLA CO COMMON STOCK 191216100 1115 23112 SH
COLGATE PALMOLIVE CO COMMON STOCK 194162103 494 10800 SH
COLGATE PALMOLIVE CO COMMON STOCK 194162103 224 4904 SH
COMERICA INC COMMON STOCK 200340107 737 14562 SH
COMERICA INC COMMON STOCK 200340107 881 17407 SH
COMMERCIAL NATL FINL CORP COMMON STOCK 202216107 390 33897 SH
COMMERCIAL NATL FINL CORP COMMON STOCK 202216107 499 43374 SH
COMMUNITY BANCORP INC COMMON STOCK 203992995 556 3475 SH
COMPAQ COMPUTER CORP COMMON STOCK 204493100 165 7200 SH
COMPAQ COMPUTER CORP COMMON STOCK 204493100 9 400 SH
COMPAQ COMPUTER CORP COMMON STOCK 204493100 74 3220 SH
CONSOLIDATED EDISON INC COMMON STOCK 209115104 66 1598 SH
CONSOLIDATED EDISON INC COMMON STOCK 209115104 134 3224 SH
DTE ENERGY COMPANY COMMON STOCK 233331107 151 4142 SH
DTE ENERGY COMPANY COMMON STOCK 233331107 1184 32539 SH
DAYTON HUDSON CORP COMMON STOCK 239753106 3092 51476 SH
DAYTON HUDSON CORP COMMON STOCK 239753106 1424 23705 SH
DELL COMPUTER COMMON STOCK 247025109 110 2625 SH
DELL COMPUTER COMMON STOCK 247025109 105 2500 SH
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 496 30860 SH
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 7 419 SH
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 2862 178191 SH
DENNOS FURNITURE INC COMMON STOCK 247999105 223 7996 SH
DISNEY WALT CO COMMON STOCK 254687106 1557 59883 SH
DISNEY WALT CO COMMON STOCK 254687106 42 1600 SH
DISNEY WALT CO COMMON STOCK 254687106 593 22810 SH
DOLLAR GENERAL CORP COMMON STOCK 256669102 549 17775 SH
DOMINION RESOURCES INC COMMON STOCK 257470104 9 200 SH
DOMINION RESOURCES INC COMMON STOCK 257470104 237 5248 SH
DOW CHEMICAL CO COMMON STOCK 260543103 1444 12711 SH
DOW CHEMICAL CO COMMON STOCK 260543103 23 200 SH
DOW CHEMICAL CO COMMON STOCK 260543103 17236 151695 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 908 15008 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 40 660 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 1182 19530 SH
DUFF & PHELPS UTILS INCOME INC COMMON STOCK 264324104 8 809 SH
DUFF & PHELPS UTILS INCOME INC COMMON STOCK 264324104 103 10606 SH
EASTMAN KODAK CO COMMON STOCK 277461109 381 5035 SH
EASTMAN KODAK CO COMMON STOCK 277461109 15 200 SH
EASTMAN KODAK CO COMMON STOCK 277461109 1270 16799 SH
EDISON INTL COMMON STOCK 281020107 68 2800 SH
EDISON INTL COMMON STOCK 281020107 422 17376 SH
ELECTRONIC DATA SYSTEMS CORP COMMON STOCK 285661104 646 12212 SH
ELECTRONIC DATA SYSTEMS CORP COMMON STOCK 285661104 26 500 SH
ELECTRONIC DATA SYSTEMS CORP COMMON STOCK 285661104 12223 230886 SH
EMERSON ELECTRIC CO COMMON STOCK 291011104 3130 49536 SH
EMERSON ELECTRIC CO COMMON STOCK 291011104 690 10915 SH
ENRON CORP COMMON STOCK 293561106 255 6200 SH
ENRON CORP COMMON STOCK 293561106 669 16300 SH
EQUITY INCOME FD MUTUAL FUNDS - 294700703 240 1221 SH
ERICSSON L M TEL CO FOREIGN STOCK 294821400 181 5784 SH
ERICSSON L M TEL CO FOREIGN STOCK 294821400 25 800 SH
EXXON CORP COMMON STOCK 302290101 8930 117495 SH
EXXON CORP COMMON STOCK 302290101 76 1000 SH
EXXON CORP COMMON STOCK 302290101 8509 111956 SH
FPL GROUP INC COMMON STOCK 302571104 165 3270 SH
FPL GROUP INC COMMON STOCK 302571104 242 4800 SH
FARMERS STAT BANK OF MUNITH COMMON STOCK 310610993 210 6000 SH
FNMA COMMON STOCK 313586109 1159 18485 SH
FNMA COMMON STOCK 313586109 436 6953 SH
FENTURA BANCORP INC COMMON STOCK 314645102 1095 24328 SH
FENTURA BANCORP INC COMMON STOCK 314645102 931 20688 SH
FIRST DATA CORP COMMON STOCK 319963104 799 18207 SH
FIRST DATA CORP COMMON STOCK 319963104 58 1317 SH
FIRST UNION CORP COMMON STOCK 337358105 1386 38907 SH
FIRST UNION CORP COMMON STOCK 337358105 325 9120 SH
FLA PROGRESS CO COMMON STOCK 341109106 770 16650 SH
FORD MOTOR CO COMMON STOCK 345370100 929 18488 SH
FORD MOTOR CO COMMON STOCK 345370100 1160 23093 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 103 3200 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 188 5832 SH
GM3S, INC COMMON STOCK 361899990 0 10000 SH
GTE CORP COMMON STOCK 362320103 2862 37224 SH
GTE CORP COMMON STOCK 362320103 1947 25323 SH
GANNETT INC COMMON STOCK 364730101 590 8528 SH
GANNETT INC COMMON STOCK 364730101 152 2192 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 23855 201202 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 65 545 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 17715 149413 SH
GENERAL HOUSING CORP COMMON STOCK 369777776 3136 7841 SH
GENERAL MILLS INC COMMON STOCK 370334104 787 9705 SH
GENERAL MILLS INC COMMON STOCK 370334104 535 6600 SH
GENERAL MOTORS CORP COMMON STOCK 370442105 2821 44826 SH
GENERAL MOTORS CORP COMMON STOCK 370442105 50 800 SH
GENERAL MOTORS CORP COMMON STOCK 370442105 16037 254801 SH
GENERAL MOTORS CORP COMMON STOCK 370442832 51 899 SH
GENERAL MOTORS CORP COMMON STOCK 370442832 3279 57270 SH
GILLETTE CO COMMON STOCK 375766102 970 28581 SH
GILLETTE CO COMMON STOCK 375766102 34 995 SH
GOODYEAR TIRE & RUBBER CO COMMON STOCK 382550101 84 1752 SH
GOODYEAR TIRE & RUBBER CO COMMON STOCK 382550101 141 2937 SH
HEINZ HJ COMMON STOCK 423074103 4 100 SH
HEINZ HJ COMMON STOCK 423074103 129 3000 SH
HEINZ HJ COMMON STOCK 423074103 88 2050 SH
HERCULES INC COMMON STOCK 427056106 484 16920 SH
HERCULES INC COMMON STOCK 427056106 7 230 SH
HEWLETT PACKARD COMMON STOCK 428236103 2402 26473 SH
HEWLETT PACKARD COMMON STOCK 428236103 822 9060 SH
HOME DEPOT INC COMMON STOCK 437076102 3982 58020 SH
HOME DEPOT INC COMMON STOCK 437076102 999 14559 SH
HONEYWELL INC COMMON STOCK 438506107 415 3730 SH
HONEYWELL INC COMMON STOCK 438506107 13 120 SH
HOOPER HILL FARMS, INC COMMON STOCK 438888885 255 429 SH
HUNTINGTON BANCSHARES COMMON STOCK 446150104 721 27130 SH
HUNTINGTON BANCSHARES COMMON STOCK 446150104 35 1316 SH
IMC MORTGAGE CO COMMON STOCK 449923101 0 10000 SH
IMS HEALTH INC COMMON STOCK 449934108 745 32663 SH
IMS HEALTH INC COMMON STOCK 449934108 134 5894 SH
INDUSTRIAL STL COMMON STOCK 4563459A7 480 12000 SH
INTEL CORP COMMON STOCK 458140100 10294 138527 SH
INTEL CORP COMMON STOCK 458140100 3767 50688 SH
IBM CORP COMMON STOCK 459200101 4020 33220 SH
IBM CORP COMMON STOCK 459200101 97 800 SH
IBM CORP COMMON STOCK 459200101 4591 37940 SH
INTERNATIONAL PAPER CO COMMON STOCK 460146103 19 400 SH
INTERNATIONAL PAPER CO COMMON STOCK 460146103 477 9916 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 4056 44144 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 37 400 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 1389 15115 SH
K MART CORP F/S S KRESGE CO COMMON STOCK 482584109 75 6425 SH
K MART CORP F/S S KRESGE CO COMMON STOCK 482584109 156 13386 SH
KELLOGG CO COMMON STOCK 487836108 385 10286 SH
KELLOGG CO COMMON STOCK 487836108 442 11815 SH
KEYCORP NEW COMMON STOCK 493267108 278 10784 SH
KEYCORP NEW COMMON STOCK 493267108 15 592 SH
KIMBERLY CLARK CORP COMMON STOCK 494368103 2067 39186 SH
KIMBERLY CLARK CORP COMMON STOCK 494368103 434 8220 SH
LAKE PAINTING INC COMMON STOCK 511111114 1428 84000 SH
LILLY ELI & CO COMMON STOCK 532457108 72 1125 SH
LILLY ELI & CO COMMON STOCK 532457108 827 12884 SH
LOCKHEED MARTIN CORP COMMON STOCK 539830109 187 5734 SH
LOCKHEED MARTIN CORP COMMON STOCK 539830109 532 16278 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 6376 98278 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 54 836 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 7349 113281 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 1481 20601 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 214 2984 SH
MACDONALD BROADCASTING CO COMMON STOCK 554444448 241 1614 SH
MAHAR TOOL SUPPLY CO COMMON STOCK 558997102 1012 520 SH
MARSH & MCLENNAN COMMON STOCK 571748102 368 5378 SH
MAY DEPARTMENT STORES COMMON STOCK 577778103 432 11850 SH
MAY DEPARTMENT STORES COMMON STOCK 577778103 150 4122 SH
MCDONALDS CORP COMMON STOCK 580135101 2274 52576 SH
MCDONALDS CORP COMMON STOCK 580135101 17 400 SH
MCDONALDS CORP COMMON STOCK 580135101 609 14086 SH
MCDONALDS CORP PREFERRED STOCK 580135804 338 13800 SH
MCDONALDS CORP PREFERRED STOCK 580135887 34 1400 SH
MCDONALDS CORP PREFERRED STOCK 580135887 339 13800 SH
MEDIAONE GROUP INC COMMON STOCK 58440J104 3562 52149 SH
MEDIAONE GROUP INC COMMON STOCK 58440J104 1284 18794 SH
MEDIAONE GROUP INC PREFERRED STOCK 58440J203 1927 14276 SH
MEDTRONIC COMMON STOCK 585055106 6167 173408 SH
MEDTRONIC COMMON STOCK 585055106 382 10740 SH
MERCK & CO INC COMMON STOCK 589331107 8293 127957 SH
MERCK & CO INC COMMON STOCK 589331107 26 400 SH
MERCK & CO INC COMMON STOCK 589331107 5640 87021 SH
MERRILL LYNCH & CO INC COMMON STOCK 590188108 1366 20268 SH
MERRILL LYNCH & CO INC COMMON STOCK 590188108 54 800 SH
MICROSOFT CORP COMMON STOCK 594918104 10798 119228 SH
MICROSOFT CORP COMMON STOCK 594918104 6471 71455 SH
MICHIGAN SEAT COMPANY COMMON STOCK 594999997 782 27800 SH
MILLER TOOL & DIE CO COMMON STOCK 5982099A4 10 15330 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 1281 13337 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 19 200 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 1763 18353 SH
MOBIL CORP COMMON STOCK 607059102 5058 50205 SH
MOBIL CORP COMMON STOCK 607059102 3483 34569 SH
MONSANTO CO COMMON STOCK 611662107 891 24955 SH
MONSANTO CO COMMON STOCK 611662107 1027 28780 SH
MORAINE LAND CO COMMON STOCK 615999109 0 13500 SH
MORGAN J P & CO COMMON STOCK 616880100 87 765 SH
MORGAN J P & CO COMMON STOCK 616880100 184 1608 SH
MORGAN STANLEY DEAN WITTER & CO COMMON STOCK 617446448 212 2372 SH
MORGAN STANLEY DEAN WITTER & CO COMMON STOCK 617446448 60 672 SH
NATIONAL CITY CORP COMMON STOCK 635405103 404 15140 SH
NATIONAL CITY CORP COMMON STOCK 635405103 578 21670 SH
NEWELL RUBBERMAID INC COMMON STOCK 651229106 1472 51538 SH
NEWELL RUBBERMAID INC COMMON STOCK 651229106 80 2788 SH
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 222 9080 SH
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 109 4447 SH
NORTEL NETWORKS CORP FOREIGN STOCK 656569100 10 200 SH
NORTEL NETWORKS CORP FOREIGN STOCK 656569100 286 5600 SH
OGE ENERGY CORP COMMON STOCK 670837103 479 21540 SH
OLD KENT FINANCIAL CORP COMMON STOCK 679833103 102 2743 SH
OLD KENT FINANCIAL CORP COMMON STOCK 679833103 342 9225 SH
P P & L RES INC COMMON STOCK 693499105 30 1099 SH
P P & L RES INC COMMON STOCK 693499105 386 14276 SH
PAXSON OIL COMPANY COMMON STOCK 704444447 1271 1111 SH
PENNEY J C INC COMMON STOCK 708160106 203 5897 SH
PENNEY J C INC COMMON STOCK 708160106 453 13134 SH
PENNZOIL-QUAKER ST CO COMMON STOCK 709323109 3 238 SH
PENNZOIL-QUAKER ST CO COMMON STOCK 709323109 127 10068 SH
PEPSICO INC COMMON STOCK 713448108 2835 92966 SH
PEPSICO INC COMMON STOCK 713448108 11 355 SH
PEPSICO INC COMMON STOCK 713448108 766 25122 SH
PERRY PRINTING COMPANY PFD PREFERRED STOCK 714622222 3205 641058 SH
PHARMACIA & UPJOHN INC COMMON STOCK 716941109 52 1048 SH
PHARMACIA & UPJOHN INC COMMON STOCK 716941109 207 4168 SH
PFIZER INC COMMON STOCK 717081103 5452 151984 SH
PFIZER INC COMMON STOCK 717081103 3741 104266 SH
PHILIP MORRIS COS INC COMMON STOCK 718154107 4322 126433 SH
PHILIP MORRIS COS INC COMMON STOCK 718154107 2216 64823 SH
PHILLIPS PETROLEUM CO COMMON STOCK 718507106 249 5115 SH
PHILLIPS PETROLEUM CO COMMON STOCK 718507106 3 60 SH
PITNEY BOWES COMMON STOCK 724479100 49 800 SH
PITNEY BOWES COMMON STOCK 724479100 662 10864 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 6522 69563 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 38 400 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 3296 35154 SH
RAYTHEON CO COMMON STOCK 755111309 62 1281 SH
RAYTHEON CO COMMON STOCK 755111309 2 38 SH
RAYTHEON CO COMMON STOCK 755111309 2300 47425 SH
RAYTHEON CO COMMON STOCK 755111408 382 7705 SH
RAYTHEON CO COMMON STOCK 755111408 167 3366 SH
REMER PLUMBING AND HEATING INC PREFERRED STOCK 759466998 256 2560 SH
RELIANT ENERGY INC COMMON STOCK 75952J108 87 3216 SH
RELIANT ENERGY INC COMMON STOCK 75952J108 185 6851 SH
ROCKWELL INTL CORP NEW COMMON STOCK 773903109 100 1900 SH
ROCKWELL INTL CORP NEW COMMON STOCK 773903109 216 4114 SH
ROYAL DUTCH PETROLEUM CO FOREIGN STOCK 780257804 2619 44346 SH
ROYAL DUTCH PETROLEUM CO FOREIGN STOCK 780257804 661 11185 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 3067 60071 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 20 386 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 5958 116680 SH
SPX CORP COMMON STOCK 784635104 433 4766 SH
SAFEWAY INC COMMON STOCK 786514208 1127 29619 SH
SAFEWAY INC COMMON STOCK 786514208 5 120 SH
SAGINAW ROCK PRODUCTS COMMON STOCK 786999102 605 16523 SH
SARA LEE CORP COMMON STOCK 803111103 2037 87142 SH
SARA LEE CORP COMMON STOCK 803111103 326 13937 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 1359 31154 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 277 6350 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 1973 31656 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 150 2411 SH
SEARS ROEBUCK & CO COMMON STOCK 812387108 205 6519 SH
SEARS ROEBUCK & CO COMMON STOCK 812387108 72 2299 SH
SIMPSON INDUSTRIES COMMON STOCK 829060102 1303 117762 SH
SOUTHERN CO COMMON STOCK 842587107 133 5173 SH
SOUTHERN CO COMMON STOCK 842587107 649 25200 SH
SPARTON CORP COMMON STOCK 847235108 312 56648 SH
SPRINT CORP COMMON STOCK 852061100 24 450 SH
SPRINT CORP COMMON STOCK 852061100 909 16756 SH
SPRINT CORP COMMON STOCK 852061506 3 40 SH
SPRINT CORP COMMON STOCK 852061506 312 4188 SH
STAR OF THE WEST MILLING CO COMMON STOCK 855159992 328 1775 SH
STATE STREET CORP COMMON STOCK 857477103 1731 26787 SH
STATE STREET CORP COMMON STOCK 857477103 127 1970 SH
SUN MICROSYSTEMS INC COMMON STOCK 866810104 6282 67550 SH
SUN MICROSYSTEMS INC COMMON STOCK 866810104 846 9097 SH
SUNTRUST BKS INC COMMON STOCK 867914103 503 7655 SH
SUNTRUST BKS INC COMMON STOCK 867914103 26 400 SH
SYSCO CORP COMMON STOCK 871829107 19 550 SH
SYSCO CORP COMMON STOCK 871829107 481 13720 SH
TECO ENERGY INC COMMON STOCK 872375100 273 12900 SH
TELESPHERE COMMUNICATIONS INC COMMON STOCK 879908101 0 10000 SH
TEMPLETON FDS INC MUTUAL FUNDS - 880196100 8 428 SH
TEMPLETON FDS INC MUTUAL FUNDS - 880196100 224 12660 SH
TEXACO INC COMMON STOCK 881694103 1666 26398 SH
TEXACO INC COMMON STOCK 881694103 1640 25985 SH
TEXAS UTILITIES COMMON STOCK 882848104 112 3000 SH
TEXAS UTILITIES COMMON STOCK 882848104 451 12100 SH
TORO CO COMMON STOCK 891092108 1201 32126 SH
TRANS-INDUSTRIES INC COMMON STOCK 893239103 259 42121 SH
TYCO INTL LTD COMMON STOCK 902124106 794 7690 SH
TYCO INTL LTD COMMON STOCK 902124106 9 90 SH
TYCO INTL LTD COMMON STOCK 902124106 46 450 SH
US BANCORP COMMON STOCK 902973106 1262 41792 SH
US BANCORP COMMON STOCK 902973106 52 1720 SH
US WEST INC COMMON STOCK 91273H101 699 12254 SH
US WEST INC COMMON STOCK 91273H101 1472 25793 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 1731 29178 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 257 4329 SH
VODAFONE AIRTOUCH GROUP PLC FOREIGN STOCK 92857T107 392 1647 SH
VODAFONE AIRTOUCH GROUP PLC FOREIGN STOCK 92857T107 2670 11232 SH
WAL-MART STORES INC COMMON STOCK 931142103 2517 52910 SH
WAL-MART STORES INC COMMON STOCK 931142103 1081 22734 SH
WALGREEN CO COMMON STOCK 931422109 1056 41600 SH
WALGREEN CO COMMON STOCK 931422109 8 300 SH
WALGREEN CO COMMON STOCK 931422109 30 1200 SH
WARNER LAMBERT CO COMMON STOCK 934488107 940 14164 SH
WARNER LAMBERT CO COMMON STOCK 934488107 1294 19498 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 1282 32348 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 698 17620 SH
WEYERHAEUSER CO COMMON STOCK 962166104 7 125 SH
WEYERHAEUSER CO COMMON STOCK 962166104 1562 27106 SH
XEROX CORP COMMON STOCK 984121103 2337 55733 SH
XEROX CORP COMMON STOCK 984121103 1112 26514 SH
DAIMLERCHRYSLER AG FOREIGN STOCK D1668R123 28 400 SH
DAIMLERCHRYSLER AG FOREIGN STOCK D1668R123 518 7457 SH
NAME OF ISSUER INVSTMT OTHER VOTING AUTHORITY
SECURITY NAME DISCRTN MANAGERS SOLE SHARED NONE
AFLAC CORP SOLE 57849
AFLAC CORP OTHER 2050
AFLAC CORP OTHER 575
AMR CORP SOLE 8200
A T & T CORP SOLE 42750
A T & T CORP SOLE 187
A T & T CORP SOLE 495
A T & T CORP DEFINED 390
A T & T CORP DEFINED 300
A T & T CORP OTHER 32928
A T & T CORP OTHER 69015
A T & T CORP OTHER 3859
A T & T CAP CORP SOLE 5900
A T & T CAP CORP DEFINED 400
A T & T CAP CORP OTHER 4806
ABBOTT LABS SOLE 87784
ABBOTT LABS OTHER 47718
ABBOTT LABS OTHER 2650
ABBOTT LABS OTHER 5500
AEGON N V SOLE 2388
AEGON N V OTHER 832
AIMCO RESOURCE INC OTHER 36700
AIR PROD & CHEM INC SOLE 17941
AIR PROD & CHEM INC OTHER 1530
ALLIED SIGNAL INC SOLE 1778
ALLIED SIGNAL INC OTHER 5252
ALLIED SIGNAL INC OTHER 400
ALLSTATE CORP SOLE 11470
ALLSTATE CORP OTHER 2716
ALLSTATE CORP OTHER 926
ALLSTATE CORP OTHER 184
AMERICAN EXPRESS CO SOLE 5203
AMERICAN EXPRESS CO SOLE 150
AMERICAN EXPRESS CO DEFINED 200
AMERICAN EXPRESS CO OTHER 1430
AMERICAN EXPRESS CO OTHER 5000
AMERICAN HOME PRODUCTS CORP SOLE 61053
AMERICAN HOME PRODUCTS CORP SOLE 1050
AMERICAN HOME PRODUCTS CORP OTHER 40994
AMERICAN HOME PRODUCTS CORP OTHER 44200
AMERICAN HOME PRODUCTS CORP OTHER 2000
AMERICAN INTL GROUP INC SOLE 72046
AMERICAN INTL GROUP INC OTHER 13252
AMERICAN INTL GROUP INC OTHER 381
AMERITECH CORP NEW SOLE 55699
AMERITECH CORP NEW SOLE 600
AMERITECH CORP NEW OTHER 14906
AMERITECH CORP NEW OTHER 55584
AMERITECH CORP NEW OTHER 2032
ANHEUSER BUSCH COS INC SOLE 200
ANHEUSER BUSCH COS INC OTHER 4000
AON CORP SOLE 6787
AON CORP OTHER 8096
ARCHER DANIELS MIDLAND CO SOLE 10226
ARCHER DANIELS MIDLAND CO OTHER 20952
ASSOCIATES FIRST CAPITAL CORP SOLE 6076
ASSOCIATES FIRST CAPITAL CORP OTHER 6071
ASSOCIATES FIRST CAPITAL CORP OTHER 3416
ATLANTIC RICHFIELD CO SOLE 4689
ATLANTIC RICHFIELD CO OTHER 8363
ATLANTIC RICHFIELD CO OTHER 10800
ATLANTIC RICHFIELD CO OTHER 2000
AUTOMATIC DATA PROCESSING INC SOLE 24657
AUTOMATIC DATA PROCESSING INC OTHER 14800
AUTOMATIC DATA PROCESSING INC OTHER 400
BP AMOCO PLC SOLE 49285
BP AMOCO PLC SOLE 1058
BP AMOCO PLC DEFINED 145
BP AMOCO PLC OTHER 14724
BP AMOCO PLC OTHER 1605
BANK OF AMERICA CORP SOLE 2682
BANK OF AMERICA CORP OTHER 7589
BANK OF AMERICA CORP OTHER 11316
BANK ONE CORP SOLE 176269
BANK ONE CORP OTHER 37512
BANK ONE CORP OTHER 5000
BAXTER INTL INC SOLE 1800
BAXTER INTL INC OTHER 1049
BAXTER INTL INC OTHER 5100
BELL ATLANTIC CORP SOLE 36827
BELL ATLANTIC CORP OTHER 23052
BELL ATLANTIC CORP OTHER 64682
BELL ATLANTIC CORP OTHER 2384
BELLSOUTH CORP SOLE 52584
BELLSOUTH CORP OTHER 30309
BELLSOUTH CORP OTHER 83030
BELLSOUTH CORP OTHER 1076
BESTFOODS INC SOLE 7568
BESTFOODS INC OTHER 3066
BESTFOODS INC OTHER 800
BLACK & DECKER SOLE 20721
BLACK & DECKER OTHER 160
BOEING CO SOLE 4889
BOEING CO OTHER 22910
BOEING CO OTHER 29225
BOEING CO OTHER 520
BRISTOL MYERS SQUIBB SOLE 42389
BRISTOL MYERS SQUIBB SOLE 400
BRISTOL MYERS SQUIBB OTHER 40490
BRISTOL MYERS SQUIBB OTHER 20968
BRISTOL MYERS SQUIBB OTHER 2400
CBS CORP SOLE 2971
CBS CORP OTHER 500
CBS CORP OTHER 1050
CMS ENERGY CORP SOLE 6392
CMS ENERGY CORP SOLE 100
CMS ENERGY CORP DEFINED 100
CMS ENERGY CORP OTHER 6708
CMS ENERGY CORP OTHER 1013
CMS ENERGY CORP OTHER 900
CSX CORP SOLE 356
CSX CORP OTHER 6523
CSX CORP OTHER 800
CAROLINA PWR & LT CO SOLE 2298
CAROLINA PWR & LT CO SOLE 125
CAROLINA PWR & LT CO OTHER 5590
CAROLINA PWR & LT CO OTHER 1000
CATERPILLAR TRACTOR CO SOLE 5514
CATERPILLAR TRACTOR CO OTHER 1394
CATERPILLAR TRACTOR CO OTHER 400
CHASE MANHATTAN CORP NEW SOLE 650
CHASE MANHATTAN CORP NEW SOLE 290
CHASE MANHATTAN CORP NEW OTHER 2000
CHEVRON CORP SOLE 15505
CHEVRON CORP DEFINED 200
CHEVRON CORP OTHER 9388
CHEVRON CORP OTHER 430
CISCO SYS INC SOLE 46640
CISCO SYS INC DEFINED 280
CISCO SYS INC OTHER 15459
CISCO SYS INC OTHER 796
CISCO SYS INC OTHER 2600
CITIGROUP INC SOLE 2896
CITIGROUP INC SOLE 485
CITIGROUP INC OTHER 10712
CITIZENS BKG CORP SOLE 886375
CITIZENS BKG CORP SOLE 450
CITIZENS BKG CORP SOLE 54528
CITIZENS BKG CORP DEFINED 485
CITIZENS BKG CORP DEFINED 8000
CITIZENS BKG CORP OTHER 410366
CITIZENS BKG CORP OTHER 70790
CITIZENS BKG CORP OTHER 65166
COCA-COLA CO SOLE 22488
COCA-COLA CO SOLE 200
COCA-COLA CO DEFINED 400
COCA-COLA CO OTHER 22912
COCA-COLA CO OTHER 200
COLGATE PALMOLIVE CO SOLE 10800
COLGATE PALMOLIVE CO OTHER 4904
COMERICA INC SOLE 14562
COMERICA INC OTHER 15352
COMERICA INC OTHER 2055
COMMERCIAL NATL FINL CORP SOLE 20613
COMMERCIAL NATL FINL CORP SOLE 13284
COMMERCIAL NATL FINL CORP OTHER 43374
COMMUNITY BANCORP INC OTHER 3475
COMPAQ COMPUTER CORP SOLE 7200
COMPAQ COMPUTER CORP DEFINED 400
COMPAQ COMPUTER CORP OTHER 3120
COMPAQ COMPUTER CORP OTHER 100
CONSOLIDATED EDISON INC SOLE 1598
CONSOLIDATED EDISON INC OTHER 2524
CONSOLIDATED EDISON INC OTHER 700
DTE ENERGY COMPANY SOLE 4086
DTE ENERGY COMPANY SOLE 56
DTE ENERGY COMPANY OTHER 20539
DTE ENERGY COMPANY OTHER 10000
DTE ENERGY COMPANY OTHER 2000
DAYTON HUDSON CORP SOLE 51126
DAYTON HUDSON CORP SOLE 350
DAYTON HUDSON CORP OTHER 22105
DAYTON HUDSON CORP OTHER 1600
DELL COMPUTER SOLE 2625
DELL COMPUTER OTHER 500
DELL COMPUTER OTHER 2000
DELPHI AUTOMOTIVE SYS CORP SOLE 30240
DELPHI AUTOMOTIVE SYS CORP SOLE 620
DELPHI AUTOMOTIVE SYS CORP DEFINED 419
DELPHI AUTOMOTIVE SYS CORP OTHER 28787
DELPHI AUTOMOTIVE SYS CORP OTHER 141043
DELPHI AUTOMOTIVE SYS CORP OTHER 8361
DENNOS FURNITURE INC OTHER 7996
DISNEY WALT CO SOLE 59883
DISNEY WALT CO DEFINED 1000
DISNEY WALT CO DEFINED 600
DISNEY WALT CO OTHER 22810
DOLLAR GENERAL CORP OTHER 17775
DOMINION RESOURCES INC SOLE 200
DOMINION RESOURCES INC OTHER 4699
DOMINION RESOURCES INC OTHER 150
DOMINION RESOURCES INC OTHER 399
DOW CHEMICAL CO SOLE 12611
DOW CHEMICAL CO SOLE 100
DOW CHEMICAL CO DEFINED 200
DOW CHEMICAL CO OTHER 148543
DOW CHEMICAL CO OTHER 200
DOW CHEMICAL CO OTHER 2952
DU PONT E I DE NEMOURS & CO SOLE 15008
DU PONT E I DE NEMOURS & CO DEFINED 260
DU PONT E I DE NEMOURS & CO DEFINED 400
DU PONT E I DE NEMOURS & CO OTHER 16330
DU PONT E I DE NEMOURS & CO OTHER 3200
DUFF & PHELPS UTILS INCOME INC SOLE 809
DUFF & PHELPS UTILS INCOME INC OTHER 606
DUFF & PHELPS UTILS INCOME INC OTHER 10000
EASTMAN KODAK CO SOLE 4885
EASTMAN KODAK CO SOLE 150
EASTMAN KODAK CO DEFINED 200
EASTMAN KODAK CO OTHER 11024
EASTMAN KODAK CO OTHER 5775
EDISON INTL SOLE 2800
EDISON INTL OTHER 17376
ELECTRONIC DATA SYSTEMS CORP SOLE 12212
ELECTRONIC DATA SYSTEMS CORP DEFINED 500
ELECTRONIC DATA SYSTEMS CORP OTHER 8714
ELECTRONIC DATA SYSTEMS CORP OTHER 214520
ELECTRONIC DATA SYSTEMS CORP OTHER 7652
EMERSON ELECTRIC CO SOLE 49536
EMERSON ELECTRIC CO OTHER 8315
EMERSON ELECTRIC CO OTHER 2600
ENRON CORP SOLE 6200
ENRON CORP OTHER 10600
ENRON CORP OTHER 2000
ENRON CORP OTHER 3700
EQUITY INCOME FD SOLE 1221
ERICSSON L M TEL CO SOLE 5784
ERICSSON L M TEL CO OTHER 800
EXXON CORP SOLE 116870
EXXON CORP SOLE 625
EXXON CORP DEFINED 600
EXXON CORP DEFINED 400
EXXON CORP OTHER 98034
EXXON CORP OTHER 9622
EXXON CORP OTHER 4300
FPL GROUP INC SOLE 3270
FPL GROUP INC OTHER 4800
FARMERS STAT BANK OF MUNITH SOLE 6000
FNMA SOLE 18485
FNMA OTHER 4500
FNMA OTHER 1653
FNMA OTHER 800
FENTURA BANCORP INC SOLE 24328
FENTURA BANCORP INC OTHER 9430
FENTURA BANCORP INC OTHER 11258
FIRST DATA CORP SOLE 18207
FIRST DATA CORP OTHER 712
FIRST DATA CORP OTHER 605
FIRST UNION CORP SOLE 38907
FIRST UNION CORP OTHER 7020
FIRST UNION CORP OTHER 900
FIRST UNION CORP OTHER 1200
FLA PROGRESS CO OTHER 1650
FLA PROGRESS CO OTHER 15000
FORD MOTOR CO SOLE 18488
FORD MOTOR CO OTHER 13641
FORD MOTOR CO OTHER 9452
FORTUNE BRANDS INC SOLE 3200
FORTUNE BRANDS INC OTHER 5832
GM3S, INC OTHER 10000
GTE CORP SOLE 37224
GTE CORP OTHER 20727
GTE CORP OTHER 400
GTE CORP OTHER 4196
GANNETT INC SOLE 8528
GANNETT INC OTHER 2192
GENERAL ELECTRIC CO SOLE 199486
GENERAL ELECTRIC CO SOLE 200
GENERAL ELECTRIC CO SOLE 1516
GENERAL ELECTRIC CO DEFINED 145
GENERAL ELECTRIC CO DEFINED 400
GENERAL ELECTRIC CO OTHER 96167
GENERAL ELECTRIC CO OTHER 48046
GENERAL ELECTRIC CO OTHER 5200
GENERAL HOUSING CORP SOLE 7841
GENERAL MILLS INC SOLE 9580
GENERAL MILLS INC SOLE 125
GENERAL MILLS INC OTHER 4900
GENERAL MILLS INC OTHER 1700
GENERAL MOTORS CORP SOLE 43938
GENERAL MOTORS CORP SOLE 888
GENERAL MOTORS CORP DEFINED 600
GENERAL MOTORS CORP DEFINED 200
GENERAL MOTORS CORP OTHER 40280
GENERAL MOTORS CORP OTHER 202556
GENERAL MOTORS CORP OTHER 11965
GENERAL MOTORS CORP SOLE 857
GENERAL MOTORS CORP SOLE 42
GENERAL MOTORS CORP OTHER 1572
GENERAL MOTORS CORP OTHER 53710
GENERAL MOTORS CORP OTHER 1988
GILLETTE CO SOLE 28581
GILLETTE CO OTHER 995
GOODYEAR TIRE & RUBBER CO SOLE 1752
GOODYEAR TIRE & RUBBER CO OTHER 2937
HEINZ HJ SOLE 100
HEINZ HJ DEFINED 3000
HEINZ HJ OTHER 2050
HERCULES INC SOLE 16920
HERCULES INC OTHER 230
HEWLETT PACKARD SOLE 26473
HEWLETT PACKARD OTHER 7960
HEWLETT PACKARD OTHER 500
HEWLETT PACKARD OTHER 600
HOME DEPOT INC SOLE 57720
HOME DEPOT INC SOLE 300
HOME DEPOT INC OTHER 14109
HOME DEPOT INC OTHER 450
HONEYWELL INC SOLE 3730
HONEYWELL INC OTHER 120
HOOPER HILL FARMS, INC OTHER 429
HUNTINGTON BANCSHARES SOLE 27130
HUNTINGTON BANCSHARES OTHER 1316
IMC MORTGAGE CO OTHER 10000
IMS HEALTH INC SOLE 32463
IMS HEALTH INC SOLE 200
IMS HEALTH INC OTHER 5894
INDUSTRIAL STL SOLE 12000
INTEL CORP SOLE 138159
INTEL CORP SOLE 368
INTEL CORP OTHER 44200
INTEL CORP OTHER 888
INTEL CORP OTHER 5600
IBM CORP SOLE 33020
IBM CORP SOLE 200
IBM CORP DEFINED 800
IBM CORP OTHER 12340
IBM CORP OTHER 25600
INTERNATIONAL PAPER CO DEFINED 400
INTERNATIONAL PAPER CO OTHER 2290
INTERNATIONAL PAPER CO OTHER 7426
INTERNATIONAL PAPER CO OTHER 200
JOHNSON & JOHNSON SOLE 43944
JOHNSON & JOHNSON SOLE 200
JOHNSON & JOHNSON DEFINED 400
JOHNSON & JOHNSON OTHER 13315
JOHNSON & JOHNSON OTHER 1300
JOHNSON & JOHNSON OTHER 500
K MART CORP F/S S KRESGE CO SOLE 6425
K MART CORP F/S S KRESGE CO OTHER 12086
K MART CORP F/S S KRESGE CO OTHER 1300
KELLOGG CO SOLE 10286
KELLOGG CO OTHER 11815
KEYCORP NEW SOLE 10784
KEYCORP NEW OTHER 200
KEYCORP NEW OTHER 392
KIMBERLY CLARK CORP SOLE 39186
KIMBERLY CLARK CORP OTHER 7020
KIMBERLY CLARK CORP OTHER 600
KIMBERLY CLARK CORP OTHER 600
LAKE PAINTING INC SOLE 84000
LILLY ELI & CO SOLE 1125
LILLY ELI & CO OTHER 2884
LILLY ELI & CO OTHER 10000
LOCKHEED MARTIN CORP SOLE 5734
LOCKHEED MARTIN CORP OTHER 9758
LOCKHEED MARTIN CORP OTHER 6520
LUCENT TECHNOLOGIES INC SOLE 97704
LUCENT TECHNOLOGIES INC SOLE 160
LUCENT TECHNOLOGIES INC SOLE 414
LUCENT TECHNOLOGIES INC DEFINED 336
LUCENT TECHNOLOGIES INC DEFINED 500
LUCENT TECHNOLOGIES INC OTHER 46912
LUCENT TECHNOLOGIES INC OTHER 62560
LUCENT TECHNOLOGIES INC OTHER 3809
MCI WORLDCOM INC SOLE 20601
MCI WORLDCOM INC OTHER 2356
MCI WORLDCOM INC OTHER 354
MCI WORLDCOM INC OTHER 274
MACDONALD BROADCASTING CO OTHER 1614
MAHAR TOOL SUPPLY CO OTHER 520
MARSH & MCLENNAN SOLE 5078
MARSH & MCLENNAN SOLE 300
MAY DEPARTMENT STORES SOLE 11850
MAY DEPARTMENT STORES OTHER 4122
MCDONALDS CORP SOLE 52576
MCDONALDS CORP DEFINED 400
MCDONALDS CORP OTHER 13686
MCDONALDS CORP OTHER 400
MCDONALDS CORP OTHER 13800
MCDONALDS CORP SOLE 1400
MCDONALDS CORP OTHER 13800
MEDIAONE GROUP INC SOLE 52149
MEDIAONE GROUP INC OTHER 770
MEDIAONE GROUP INC OTHER 17784
MEDIAONE GROUP INC OTHER 240
MEDIAONE GROUP INC SOLE 14276
MEDTRONIC SOLE 172744
MEDTRONIC SOLE 664
MEDTRONIC OTHER 7180
MEDTRONIC OTHER 1560
MEDTRONIC OTHER 2000
MERCK & CO INC SOLE 127557
MERCK & CO INC SOLE 400
MERCK & CO INC DEFINED 400
MERCK & CO INC OTHER 42383
MERCK & CO INC OTHER 40838
MERCK & CO INC OTHER 3800
MERRILL LYNCH & CO INC SOLE 20268
MERRILL LYNCH & CO INC OTHER 800
MICROSOFT CORP SOLE 119228
MICROSOFT CORP OTHER 64260
MICROSOFT CORP OTHER 6395
MICROSOFT CORP OTHER 800
MICHIGAN SEAT COMPANY OTHER 27800
MILLER TOOL & DIE CO SOLE 15330
MINNESOTA MINING & MFG CO SOLE 13337
MINNESOTA MINING & MFG CO DEFINED 200
MINNESOTA MINING & MFG CO OTHER 16453
MINNESOTA MINING & MFG CO OTHER 1900
MOBIL CORP SOLE 50173
MOBIL CORP SOLE 32
MOBIL CORP OTHER 32329
MOBIL CORP OTHER 1840
MOBIL CORP OTHER 400
MONSANTO CO SOLE 24380
MONSANTO CO SOLE 575
MONSANTO CO OTHER 27980
MONSANTO CO OTHER 800
MORAINE LAND CO OTHER 13500
MORGAN J P & CO SOLE 765
MORGAN J P & CO OTHER 1208
MORGAN J P & CO OTHER 400
MORGAN STANLEY DEAN WITTER & CO SOLE 2372
MORGAN STANLEY DEAN WITTER & CO OTHER 672
NATIONAL CITY CORP SOLE 15140
NATIONAL CITY CORP OTHER 21670
NEWELL RUBBERMAID INC SOLE 51538
NEWELL RUBBERMAID INC OTHER 2588
NEWELL RUBBERMAID INC OTHER 200
NORFOLK SOUTHERN CORP SOLE 8780
NORFOLK SOUTHERN CORP SOLE 300
NORFOLK SOUTHERN CORP OTHER 3720
NORFOLK SOUTHERN CORP OTHER 727
NORTEL NETWORKS CORP SOLE 200
NORTEL NETWORKS CORP OTHER 5600
OGE ENERGY CORP OTHER 1540
OGE ENERGY CORP OTHER 20000
OLD KENT FINANCIAL CORP SOLE 2743
OLD KENT FINANCIAL CORP OTHER 8123
OLD KENT FINANCIAL CORP OTHER 1102
P P & L RES INC SOLE 1099
P P & L RES INC OTHER 3276
P P & L RES INC OTHER 10000
P P & L RES INC OTHER 1000
PAXSON OIL COMPANY OTHER 1111
PENNEY J C INC SOLE 5797
PENNEY J C INC SOLE 100
PENNEY J C INC OTHER 7134
PENNEY J C INC OTHER 5000
PENNEY J C INC OTHER 1000
PENNZOIL-QUAKER ST CO SOLE 238
PENNZOIL-QUAKER ST CO OTHER 68
PENNZOIL-QUAKER ST CO OTHER 10000
PEPSICO INC SOLE 92966
PEPSICO INC DEFINED 355
PEPSICO INC OTHER 22316
PEPSICO INC OTHER 1472
PEPSICO INC OTHER 1334
PERRY PRINTING COMPANY PFD SOLE 641058
PHARMACIA & UPJOHN INC SOLE 1048
PHARMACIA & UPJOHN INC OTHER 4168
PFIZER INC SOLE 151984
PFIZER INC OTHER 94066
PFIZER INC OTHER 9000
PFIZER INC OTHER 1200
PHILIP MORRIS COS INC SOLE 121633
PHILIP MORRIS COS INC SOLE 4800
PHILIP MORRIS COS INC OTHER 59097
PHILIP MORRIS COS INC OTHER 5726
PHILLIPS PETROLEUM CO SOLE 4761
PHILLIPS PETROLEUM CO SOLE 354
PHILLIPS PETROLEUM CO OTHER 60
PITNEY BOWES SOLE 800
PITNEY BOWES OTHER 10464
PITNEY BOWES OTHER 400
PROCTER & GAMBLE CO SOLE 69563
PROCTER & GAMBLE CO DEFINED 400
PROCTER & GAMBLE CO OTHER 24690
PROCTER & GAMBLE CO OTHER 10464
RAYTHEON CO SOLE 1202
RAYTHEON CO SOLE 79
RAYTHEON CO DEFINED 38
RAYTHEON CO OTHER 2326
RAYTHEON CO OTHER 43013
RAYTHEON CO OTHER 2086
RAYTHEON CO SOLE 7405
RAYTHEON CO SOLE 300
RAYTHEON CO OTHER 3366
REMER PLUMBING AND HEATING INC OTHER 2560
RELIANT ENERGY INC SOLE 3216
RELIANT ENERGY INC OTHER 701
RELIANT ENERGY INC OTHER 5150
RELIANT ENERGY INC OTHER 1000
ROCKWELL INTL CORP NEW SOLE 1900
ROCKWELL INTL CORP NEW OTHER 4114
ROYAL DUTCH PETROLEUM CO SOLE 44346
ROYAL DUTCH PETROLEUM CO OTHER 11185
SBC COMMUNICATIONS INC SOLE 60071
SBC COMMUNICATIONS INC DEFINED 386
SBC COMMUNICATIONS INC OTHER 27494
SBC COMMUNICATIONS INC OTHER 88116
SBC COMMUNICATIONS INC OTHER 1070
SPX CORP SOLE 4766
SAFEWAY INC SOLE 29379
SAFEWAY INC SOLE 240
SAFEWAY INC OTHER 120
SAGINAW ROCK PRODUCTS OTHER 16523
SARA LEE CORP SOLE 87142
SARA LEE CORP OTHER 10737
SARA LEE CORP OTHER 1600
SARA LEE CORP OTHER 1600
SCHERING-PLOUGH CORP SOLE 30729
SCHERING-PLOUGH CORP SOLE 425
SCHERING-PLOUGH CORP OTHER 4050
SCHERING-PLOUGH CORP OTHER 2300
SCHLUMBERGER LTD SOLE 31656
SCHLUMBERGER LTD OTHER 1950
SCHLUMBERGER LTD OTHER 461
SEARS ROEBUCK & CO SOLE 6519
SEARS ROEBUCK & CO OTHER 2199
SEARS ROEBUCK & CO OTHER 100
SIMPSON INDUSTRIES SOLE 117762
SOUTHERN CO SOLE 5173
SOUTHERN CO OTHER 24800
SOUTHERN CO OTHER 400
SPARTON CORP SOLE 56648
SPRINT CORP SOLE 450
SPRINT CORP OTHER 200
SPRINT CORP OTHER 16556
SPRINT CORP SOLE 40
SPRINT CORP OTHER 50
SPRINT CORP OTHER 4138
STAR OF THE WEST MILLING CO OTHER 1775
STATE STREET CORP SOLE 26787
STATE STREET CORP OTHER 270
STATE STREET CORP OTHER 1700
SUN MICROSYSTEMS INC SOLE 67550
SUN MICROSYSTEMS INC OTHER 7697
SUN MICROSYSTEMS INC OTHER 1400
SUNTRUST BKS INC SOLE 7655
SUNTRUST BKS INC OTHER 400
SYSCO CORP SOLE 550
SYSCO CORP OTHER 13720
TECO ENERGY INC OTHER 900
TECO ENERGY INC OTHER 10000
TECO ENERGY INC OTHER 2000
TELESPHERE COMMUNICATIONS INC SOLE 10000
TEMPLETON FDS INC SOLE 428
TEMPLETON FDS INC OTHER 12660
TEXACO INC SOLE 26198
TEXACO INC SOLE 200
TEXACO INC OTHER 13985
TEXACO INC OTHER 10200
TEXACO INC OTHER 1800
TEXAS UTILITIES SOLE 3000
TEXAS UTILITIES OTHER 2000
TEXAS UTILITIES OTHER 10100
TORO CO SOLE 32126
TRANS-INDUSTRIES INC SOLE 42121
TYCO INTL LTD SOLE 7690
TYCO INTL LTD DEFINED 90
TYCO INTL LTD OTHER 450
US BANCORP SOLE 41792
US BANCORP OTHER 1720
US WEST INC SOLE 12254
US WEST INC OTHER 7278
US WEST INC OTHER 18269
US WEST INC OTHER 246
UNITED TECHNOLOGIES CORP SOLE 29178
UNITED TECHNOLOGIES CORP OTHER 3884
UNITED TECHNOLOGIES CORP OTHER 445
VODAFONE AIRTOUCH GROUP PLC SOLE 1647
VODAFONE AIRTOUCH GROUP PLC OTHER 2059
VODAFONE AIRTOUCH GROUP PLC OTHER 9053
VODAFONE AIRTOUCH GROUP PLC OTHER 120
WAL-MART STORES INC SOLE 52910
WAL-MART STORES INC OTHER 21747
WAL-MART STORES INC OTHER 587
WAL-MART STORES INC OTHER 400
WALGREEN CO SOLE 41600
WALGREEN CO DEFINED 300
WALGREEN CO OTHER 400
WALGREEN CO OTHER 800
WARNER LAMBERT CO SOLE 14164
WARNER LAMBERT CO OTHER 19498
WELLS FARGO & CO NEW SOLE 20930
WELLS FARGO & CO NEW SOLE 11418
WELLS FARGO & CO NEW OTHER 6460
WELLS FARGO & CO NEW OTHER 10000
WELLS FARGO & CO NEW OTHER 1160
WEYERHAEUSER CO SOLE 125
WEYERHAEUSER CO OTHER 21106
WEYERHAEUSER CO OTHER 5000
WEYERHAEUSER CO OTHER 1000
XEROX CORP SOLE 55733
XEROX CORP OTHER 24114
XEROX CORP OTHER 1800
XEROX CORP OTHER 600
DAIMLERCHRYSLER AG SOLE 400
DAIMLERCHRYSLER AG OTHER 6522
DAIMLERCHRYSLER AG OTHER 935
</TABLE>
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