[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: 01/07/2000
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 Compliance Officer
Phone: 810-766-7761
Signature, Place, and Date of Signing:
Joyce L Lehman Flint, MI 01/25/2000
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: 364
Form 13F Information Table Value Total: $ 566,956
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 1826 40525 SH
AFLAC CORP COMMON STOCK 001055102 154 3425 SH
AMR CORP COMMON STOCK 001765106 522 8200 SH
A T & T CORP COMMON STOCK 001957109 3367 68708 SH
A T & T CORP COMMON STOCK 001957109 5169 105488 SH
A T & T CAP CORP PREFERRED STOCK 00206J308 260 10900 SH
A T & T CAP CORP PREFERRED STOCK 00206J308 205 8606 SH
ABBOTT LABS COMMON STOCK 002824100 3142 88498 SH
ABBOTT LABS COMMON STOCK 002824100 1682 47368 SH
AIMCO RESOURCE INC COMMON STOCK 008999997 294 36700 SH
AIR PROD & CHEM INC COMMON STOCK 009158106 604 16535 SH
AIR PROD & CHEM INC COMMON STOCK 009158106 56 1530 SH
ALCOA INC COMMON STOCK 013817101 452 5340 SH
ALCOA INC COMMON STOCK 013817101 59 700 SH
ALLSTATE CORP COMMON STOCK 020002101 225 9186 SH
ALLSTATE CORP COMMON STOCK 020002101 94 3826 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 85 1160 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 153 2100 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 841 5518 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 995 6530 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 3000 67130 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 3829 85692 SH
AMERICAN INTL GROUP INC COMMON STOCK 026874107 6481 59191 SH
AMERICAN INTL GROUP INC COMMON STOCK 026874107 1541 14070 SH
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 195 2565 SH
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 305 4000 SH
AON CORP COMMON STOCK 037389103 290 6787 SH
AON CORP COMMON STOCK 037389103 346 8096 SH
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 101 8433 SH
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 250 20952 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 155 6188 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 288 11486 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 376 4673 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 1702 21163 SH
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 1563 29284 SH
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 811 15200 SH
BP AMOCO PLC FOREIGN STOCK 055622104 6068 101976 SH
BP AMOCO PLC FOREIGN STOCK 055622104 1672 28102 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 131 2682 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 898 18453 SH
BANK ONE CORP COMMON STOCK 06423A103 4721 146376 SH
BANK ONE CORP COMMON STOCK 06423A103 1314 40749 SH
BAXTER INTL INC COMMON STOCK 071813109 122 1800 SH
BAXTER INTL INC COMMON STOCK 071813109 415 6149 SH
BEAR STEARNS COS INC COMMON STOCK 073902108 929 24400 SH
BEAR STEARNS COS INC COMMON STOCK 073902108 4 105 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 2053 34901 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 5165 87828 SH
BELLSOUTH CORP COMMON STOCK 079860102 2306 50136 SH
BELLSOUTH CORP COMMON STOCK 079860102 5172 112432 SH
BERKSHIRE HATHAWAY INC COMMON STOCK 084670207 209 114 SH
BESTFOODS INC COMMON STOCK 08658U101 384 7568 SH
BESTFOODS INC COMMON STOCK 08658U101 154 3042 SH
BLACK & DECKER COMMON STOCK 091797100 221 4468 SH
BLACK & DECKER COMMON STOCK 091797100 8 160 SH
BOEING CO COMMON STOCK 097023105 191 4309 SH
BOEING CO COMMON STOCK 097023105 2168 48933 SH
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 2823 41213 SH
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 4032 58858 SH
BURR OAK TOOL & GAUGE CO COMMON STOCK 122777774 549 2530 SH
CBS CORP COMMON STOCK 12490K107 168 2891 SH
CBS CORP COMMON STOCK 12490K107 61 1050 SH
CMS ENERGY CORP COMMON STOCK 125896100 228 7335 SH
CMS ENERGY CORP COMMON STOCK 125896100 167 5367 SH
CSX CORP COMMON STOCK 126408103 11 356 SH
CSX CORP COMMON STOCK 126408103 231 7223 SH
CAROLINA PWR & LT CO COMMON STOCK 144141108 33 1105 SH
CAROLINA PWR & LT CO COMMON STOCK 144141108 198 6590 SH
CATERPILLAR TRACTOR CO COMMON STOCK 149123101 294 5514 SH
CATERPILLAR TRACTOR CO COMMON STOCK 149123101 96 1794 SH
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 1430 19660 SH
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 231 3175 SH
CHEVRON CORP COMMON STOCK 166751107 1292 14304 SH
CHEVRON CORP COMMON STOCK 166751107 786 8700 SH
CISCO SYS INC COMMON STOCK 17275R102 3599 33993 SH
CISCO SYS INC COMMON STOCK 17275R102 2106 19895 SH
CITIGROUP INC COMMON STOCK 172967101 1537 28471 SH
CITIGROUP INC COMMON STOCK 172967101 552 10227 SH
CITIZENS BKG CORP COMMON STOCK 174420109 18866 903762 SH
CITIZENS BKG CORP COMMON STOCK 174420109 11301 541352 SH
COASTAL CORP COMMON STOCK 190441105 1105 31920 SH
COCA-COLA CO COMMON STOCK 191216100 1397 22988 SH
COCA-COLA CO COMMON STOCK 191216100 1404 23111 SH
COLGATE PALMOLIVE CO COMMON STOCK 194162103 821 13250 SH
COLGATE PALMOLIVE CO COMMON STOCK 194162103 229 3704 SH
COMERICA INC COMMON STOCK 200340107 582 13163 SH
COMERICA INC COMMON STOCK 200340107 766 17331 SH
COMMERCIAL NATL FINL CORP COMMON STOCK 202216107 471 31901 SH
COMMERCIAL NATL FINL CORP COMMON STOCK 202216107 672 45540 SH
COMMUNITY BANCORP INC COMMON STOCK 203992995 556 3475 SH
COMPAQ COMPUTER CORP COMMON STOCK 204493100 203 7200 SH
COMPAQ COMPUTER CORP COMMON STOCK 204493100 91 3220 SH
CONEXANT SYSTEMS INC COMMON STOCK 207142100 126 1990 SH
CONEXANT SYSTEMS INC COMMON STOCK 207142100 212 3360 SH
CONOCO INC COMMON STOCK 208251405 333 13400 SH
COOPER INDUSTRIES INC COMMON STOCK 216669101 373 8634 SH
COOPER INDUSTRIES INC COMMON STOCK 216669101 177 4100 SH
DTE ENERGY COMPANY COMMON STOCK 233331107 108 3468 SH
DTE ENERGY COMPANY COMMON STOCK 233331107 914 29244 SH
DAYTON HUDSON CORP COMMON STOCK 239753106 3142 46552 SH
DAYTON HUDSON CORP COMMON STOCK 239753106 1641 24305 SH
DELL COMPUTER COMMON STOCK 247025109 886 19175 SH
DELL COMPUTER COMMON STOCK 247025109 182 3947 SH
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 450 25618 SH
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 3118 177562 SH
DENNOS FURNITURE INC COMMON STOCK 247999105 223 7996 SH
DISNEY WALT CO COMMON STOCK 254687106 1678 53903 SH
DISNEY WALT CO COMMON STOCK 254687106 604 19410 SH
DOLLAR GENERAL CORP COMMON STOCK 256669102 5 200 SH
DOLLAR GENERAL CORP COMMON STOCK 256669102 400 17775 SH
DOMINION RESOURCES INC COMMON STOCK 257470104 207 5098 SH
DOW CHEMICAL CO COMMON STOCK 260543103 1740 12431 SH
DOW CHEMICAL CO COMMON STOCK 260543103 21090 150644 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 942 13156 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 1435 20030 SH
DUFF & PHELPS UTILS INCOME INC COMMON STOCK 264324104 4 405 SH
DUFF & PHELPS UTILS INCOME INC COMMON STOCK 264324104 96 10606 SH
EASTMAN KODAK CO COMMON STOCK 277461109 333 5340 SH
EASTMAN KODAK CO COMMON STOCK 277461109 1030 16499 SH
EDISON INTL COMMON STOCK 281020107 78 2800 SH
EDISON INTL COMMON STOCK 281020107 487 17376 SH
ELECTRONIC DATA SYSTEMS CORP COMMON STOCK 285661104 656 11023 SH
ELECTRONIC DATA SYSTEMS CORP COMMON STOCK 285661104 13735 230844 SH
EMERSON ELECTRIC CO COMMON STOCK 291011104 1897 30474 SH
EMERSON ELECTRIC CO COMMON STOCK 291011104 673 10815 SH
ENRON CORP COMMON STOCK 293561106 294 6000 SH
ENRON CORP COMMON STOCK 293561106 800 16300 SH
EQUITY INCOME FD MUTUAL FUNDS - 294700703 226 1221 SH
ERICSSON L M TEL CO FOREIGN STOCK 294821400 352 5784 SH
ERICSSON L M TEL CO FOREIGN STOCK 294821400 49 800 SH
EXXON MOBIL CORP COMMON STOCK 30231G102 16266 191510 SH
EXXON MOBIL CORP COMMON STOCK 30231G102 12438 146433 SH
FPL GROUP INC COMMON STOCK 302571104 128 2870 SH
FPL GROUP INC COMMON STOCK 302571104 214 4800 SH
FNMA COMMON STOCK 313586109 1113 18365 SH
FNMA COMMON STOCK 313586109 422 6953 SH
FENTURA BANCORP INC COMMON STOCK 314645102 1390 32318 SH
FENTURA BANCORP INC COMMON STOCK 314645102 484 11258 SH
FIRST DATA CORP COMMON STOCK 319963104 881 17678 SH
FIRST DATA CORP COMMON STOCK 319963104 66 1317 SH
FIRST UNION CORP COMMON STOCK 337358105 1289 38267 SH
FIRST UNION CORP COMMON STOCK 337358105 280 8320 SH
FLA PROGRESS CO COMMON STOCK 341109106 707 16650 SH
FORD MOTOR CO COMMON STOCK 345370100 1835 33588 SH
FORD MOTOR CO COMMON STOCK 345370100 1270 23242 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 97 3000 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 188 5832 SH
GM3S, INC COMMON STOCK 361899990 0 10000 SH
GTE CORP COMMON STOCK 362320103 2067 30063 SH
GTE CORP COMMON STOCK 362320103 1576 22921 SH
GANNETT INC COMMON STOCK 364730101 475 6328 SH
GANNETT INC COMMON STOCK 364730101 165 2192 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 28550 188685 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 22078 145909 SH
GENERAL HOUSING CORP COMMON STOCK 369777776 3136 7841 SH
GENERAL MILLS INC COMMON STOCK 370334104 553 16450 SH
GENERAL MILLS INC COMMON STOCK 370334104 350 10400 SH
GENERAL MOTORS CORP COMMON STOCK 370442105 3610 48250 SH
GENERAL MOTORS CORP COMMON STOCK 370442105 18800 251289 SH
GENERAL MOTORS CORP COMMON STOCK 370442832 73 748 SH
GENERAL MOTORS CORP COMMON STOCK 370442832 5611 57260 SH
GEORGIA PAC CORP COMMON STOCK 373298108 698 13795 SH
GEORGIA PAC CORP COMMON STOCK 373298108 71 1400 SH
GILLETTE CO COMMON STOCK 375766102 573 13477 SH
GILLETTE CO COMMON STOCK 375766102 38 895 SH
HEWLETT PACKARD COMMON STOCK 428236103 1907 18362 SH
HEWLETT PACKARD COMMON STOCK 428236103 910 8760 SH
HOME DEPOT INC COMMON STOCK 437076102 4083 64300 SH
HOME DEPOT INC COMMON STOCK 437076102 1483 23361 SH
HONEYWELL INTL INC COMMON STOCK 438516106 220 3731 SH
HONEYWELL INTL INC COMMON STOCK 438516106 347 5877 SH
HOOPER HILL FARMS, INC COMMON STOCK 438888885 255 429 SH
HUNTINGTON BANCSHARES COMMON STOCK 446150104 600 27130 SH
HUNTINGTON BANCSHARES COMMON STOCK 446150104 29 1316 SH
IMC MORTGAGE CO COMMON STOCK 449923101 0 10000 SH
IMS HEALTH INC COMMON STOCK 449934108 222 8371 SH
IMS HEALTH INC COMMON STOCK 449934108 161 6094 SH
INDEPENDENT BK CORP MICH COMMON STOCK 453838104 149 11004 SH
INDEPENDENT BK CORP MICH COMMON STOCK 453838104 34 2520 SH
INDUSTRIAL STL COMMON STOCK 4563459A7 480 12000 SH
INTEL CORP COMMON STOCK 458140100 10922 133199 SH
INTEL CORP COMMON STOCK 458140100 4387 53501 SH
IBM CORP COMMON STOCK 459200101 5374 47350 SH
IBM CORP COMMON STOCK 459200101 4272 37640 SH
INTERNATIONAL PAPER CO COMMON STOCK 460146103 23 400 SH
INTERNATIONAL PAPER CO COMMON STOCK 460146103 581 9916 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 2945 30516 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 1430 14815 SH
K MART CORP F/S S KRESGE CO COMMON STOCK 482584109 70 7185 SH
K MART CORP F/S S KRESGE CO COMMON STOCK 482584109 125 12886 SH
KELLOGG CO COMMON STOCK 487836108 301 10286 SH
KELLOGG CO COMMON STOCK 487836108 188 6415 SH
KEYCORP NEW COMMON STOCK 493267108 247 11540 SH
KEYCORP NEW COMMON STOCK 493267108 13 592 SH
KIMBERLY CLARK CORP COMMON STOCK 494368103 2564 38926 SH
KIMBERLY CLARK CORP COMMON STOCK 494368103 502 7620 SH
LAKE PAINTING INC COMMON STOCK 511111114 1407 84000 SH
LEHMAN BROTHERS HLDGS INC COMMON STOCK 524908100 844 11900 SH
LEHMAN BROTHERS HLDGS INC COMMON STOCK 524908100 77 1080 SH
LILLY ELI & CO COMMON STOCK 532457108 80 1125 SH
LILLY ELI & CO COMMON STOCK 532457108 845 11884 SH
LOCKHEED MARTIN CORP COMMON STOCK 539830109 100 4666 SH
LOCKHEED MARTIN CORP COMMON STOCK 539830109 309 14418 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 4914 91429 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 6006 111746 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 1947 41265 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 254 5378 SH
MACDONALD BROADCASTING CO COMMON STOCK 554444448 241 1614 SH
MAHAR TOOL SUPPLY CO COMMON STOCK 558997102 1012 520 SH
MANDALAY RESORT GROUP COMMON STOCK 562567107 317 19805 SH
MANULIFE FINL CORP FOREIGN STOCK 56501R106 182 14887 SH
MANULIFE FINL CORP FOREIGN STOCK 56501R106 66 5383 SH
MARSH & MCLENNAN COMMON STOCK 571748102 513 5378 SH
MAY DEPARTMENT STORES COMMON STOCK 577778103 197 6000 SH
MAY DEPARTMENT STORES COMMON STOCK 577778103 136 4122 SH
MCDONALDS CORP COMMON STOCK 580135101 2076 52051 SH
MCDONALDS CORP COMMON STOCK 580135101 592 14836 SH
MCDONALDS CORP PREFERRED STOCK 580135804 314 13800 SH
MCDONALDS CORP PREFERRED STOCK 580135887 32 1400 SH
MCDONALDS CORP PREFERRED STOCK 580135887 313 13800 SH
MEDIAONE GROUP INC COMMON STOCK 58440J104 6044 80118 SH
MEDIAONE GROUP INC COMMON STOCK 58440J104 1411 18710 SH
MEDTRONIC COMMON STOCK 585055106 5917 140057 SH
MEDTRONIC COMMON STOCK 585055106 445 10540 SH
MERCK & CO INC COMMON STOCK 589331107 11453 152834 SH
MERCK & CO INC COMMON STOCK 589331107 6350 84731 SH
MERRILL LYNCH & CO INC COMMON STOCK 590188108 248 3224 SH
MERRILL LYNCH & CO INC COMMON STOCK 590188108 73 950 SH
MICROSOFT CORP COMMON STOCK 594918104 14611 131110 SH
MICROSOFT CORP COMMON STOCK 594918104 7862 70553 SH
MICHIGAN SEAT COMPANY COMMON STOCK 594999997 782 27800 SH
MIDAMERICAN ENERGY HLDGS CO NEW COMMON STOCK 59562V107 485 14265 SH
MILLER TOOL & DIE CO COMMON STOCK 5982099A4 10 15330 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 1359 13203 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 1889 18353 SH
MONSANTO CO COMMON STOCK 611662107 935 24365 SH
MONSANTO CO COMMON STOCK 611662107 1066 27780 SH
MORAINE LAND CO COMMON STOCK 615999109 0 13500 SH
MORGAN J P & CO COMMON STOCK 616880100 77 625 SH
MORGAN J P & CO COMMON STOCK 616880100 197 1608 SH
MORGAN STANLEY DEAN WITTER & CO COMMON STOCK 617446448 169 1337 SH
MORGAN STANLEY DEAN WITTER & CO COMMON STOCK 617446448 85 672 SH
MOTOROLA INC COMMON STOCK 620076109 144 1115 SH
MOTOROLA INC COMMON STOCK 620076109 109 850 SH
NATIONAL CITY CORP COMMON STOCK 635405103 335 14820 SH
NATIONAL CITY CORP COMMON STOCK 635405103 490 21670 SH
NEWELL RUBBERMAID INC COMMON STOCK 651229106 589 19976 SH
NEWELL RUBBERMAID INC COMMON STOCK 651229106 75 2558 SH
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 177 8540 SH
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 77 3720 SH
NORTEL NETWORKS CORP FOREIGN STOCK 656569100 58 600 SH
NORTEL NETWORKS CORP FOREIGN STOCK 656569100 546 5600 SH
OGE ENERGY CORP COMMON STOCK 670837103 4 200 SH
OGE ENERGY CORP COMMON STOCK 670837103 412 21540 SH
OLD KENT FINANCIAL CORP COMMON STOCK 679833103 97 2870 SH
OLD KENT FINANCIAL CORP COMMON STOCK 679833103 311 9225 SH
ORACLE CORP COMMON STOCK 68389X105 431 4165 SH
ORACLE CORP COMMON STOCK 68389X105 57 550 SH
P P & L RES INC COMMON STOCK 693499105 44 1899 SH
P P & L RES INC COMMON STOCK 693499105 334 14276 SH
PAXSON OIL COMPANY COMMON STOCK 704444447 1271 1111 SH
PENNEY J C INC COMMON STOCK 708160106 64 3025 SH
PENNEY J C INC COMMON STOCK 708160106 268 12734 SH
PENNZOIL-QUAKER ST CO COMMON STOCK 709323109 3 238 SH
PENNZOIL-QUAKER ST CO COMMON STOCK 709323109 106 10000 SH
PEPSICO INC COMMON STOCK 713448108 2330 60903 SH
PEPSICO INC COMMON STOCK 713448108 889 23232 SH
PERRY PRINTING COMPANY PFD PREFERRED STOCK 714622222 3205 641058 SH
PHARMACIA & UPJOHN INC COMMON STOCK 716941109 45 903 SH
PHARMACIA & UPJOHN INC COMMON STOCK 716941109 258 5168 SH
PFIZER INC COMMON STOCK 717081103 6282 181438 SH
PFIZER INC COMMON STOCK 717081103 3558 102756 SH
PHILIP MORRIS COS INC COMMON STOCK 718154107 1562 65928 SH
PHILIP MORRIS COS INC COMMON STOCK 718154107 1164 49125 SH
PHILLIPS PETROLEUM CO COMMON STOCK 718507106 231 5115 SH
PHILLIPS PETROLEUM CO COMMON STOCK 718507106 3 60 SH
PITNEY BOWES COMMON STOCK 724479100 32 700 SH
PITNEY BOWES COMMON STOCK 724479100 499 10864 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 7664 65786 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 4107 35254 SH
QUAKER OATS CO COMMON STOCK 747402105 192 2896 SH
QUAKER OATS CO COMMON STOCK 747402105 51 772 SH
RAYTHEON CO COMMON STOCK 755111309 21 782 SH
RAYTHEON CO COMMON STOCK 755111309 1286 47417 SH
RAYTHEON CO COMMON STOCK 755111408 173 6200 SH
RAYTHEON CO COMMON STOCK 755111408 91 3266 SH
REMER PLUMBING AND HEATING INC PREFERRED STOCK 759466998 256 2560 SH
RELIANT ENERGY INC COMMON STOCK 75952J108 84 3516 SH
RELIANT ENERGY INC COMMON STOCK 75952J108 160 6701 SH
REYNOLDS & REYNOLDS CO COMMON STOCK 761695105 300 14200 SH
ROCKWELL INTL CORP NEW COMMON STOCK 773903109 96 1992 SH
ROCKWELL INTL CORP NEW COMMON STOCK 773903109 199 4114 SH
ROYAL DUTCH PETROLEUM CO FOREIGN STOCK 780257804 2504 39700 SH
ROYAL DUTCH PETROLEUM CO FOREIGN STOCK 780257804 710 11265 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 5782 131042 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 9145 207262 SH
SPX CORP COMMON STOCK 784635104 385 4766 SH
SAFEWAY INC COMMON STOCK 786514208 684 19142 SH
SAFEWAY INC COMMON STOCK 786514208 4 120 SH
SAGINAW ROCK PRODUCTS COMMON STOCK 786999102 579 15811 SH
SARA LEE CORP COMMON STOCK 803111103 1041 50180 SH
SARA LEE CORP COMMON STOCK 803111103 256 12337 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 1674 34874 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 211 4400 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 1020 17343 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 118 2011 SH
SEARS ROEBUCK & CO COMMON STOCK 812387108 175 5287 SH
SEARS ROEBUCK & CO COMMON STOCK 812387108 76 2299 SH
SIMPSON INDUSTRIES COMMON STOCK 829060102 1251 117762 SH
SOLECTRON CORP COMMON STOCK 834182107 220 2429 SH
SOUTHERN CO COMMON STOCK 842587107 136 5521 SH
SOUTHERN CO COMMON STOCK 842587107 622 25199 SH
SPARTON CORP COMMON STOCK 847235108 283 56648 SH
SPRINT CORP COMMON STOCK 852061100 42 660 SH
SPRINT CORP COMMON STOCK 852061100 1071 16756 SH
SPRINT CORP COMMON STOCK 852061506 656 7150 SH
SPRINT CORP COMMON STOCK 852061506 385 4188 SH
STAR OF THE WEST MILLING CO COMMON STOCK 855159992 328 1775 SH
STATE STREET CORP COMMON STOCK 857477103 761 10511 SH
STATE STREET CORP COMMON STOCK 857477103 116 1600 SH
SUN MICROSYSTEMS INC COMMON STOCK 866810104 9761 135800 SH
SUN MICROSYSTEMS INC COMMON STOCK 866810104 1285 17874 SH
SUNTRUST BKS INC COMMON STOCK 867914103 477 7655 SH
SUNTRUST BKS INC COMMON STOCK 867914103 25 400 SH
SYSCO CORP COMMON STOCK 871829107 21 550 SH
SYSCO CORP COMMON STOCK 871829107 538 13850 SH
TECO ENERGY INC COMMON STOCK 872375100 248 12900 SH
TELEFONICA DE ESPANA SA FOREIGN STOCK 879382208 407 5598 SH
TELEFONOS DE MEXICO FOREIGN STOCK 879403780 866 8010 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 230 12660 SH
TEXACO INC COMMON STOCK 881694103 1243 21577 SH
TEXACO INC COMMON STOCK 881694103 1322 22941 SH
TEXAS UTILITIES COMMON STOCK 882848104 88 2400 SH
TEXAS UTILITIES COMMON STOCK 882848104 442 12100 SH
TORO CO COMMON STOCK 891092108 1153 32126 SH
TRANS-INDUSTRIES INC COMMON STOCK 893239103 211 42121 SH
TRUSTCO BANK CORP NY COMMON STOCK 898349105 144 11612 SH
TYCO INTL LTD COMMON STOCK 902124106 579 16249 SH
TYCO INTL LTD COMMON STOCK 902124106 39 1100 SH
USX-MARATHON GROUP COMMON STOCK 902905827 131 4797 SH
USX-MARATHON GROUP COMMON STOCK 902905827 112 4100 SH
US WEST INC COMMON STOCK 91273H101 685 10363 SH
US WEST INC COMMON STOCK 91273H101 1686 25490 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 2927 45730 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 277 4329 SH
VAN KAMPEN MUNICIPAL MUTUAL FUNDS - 920944105 186 15900 SH
VAN KAMPEN AMERN CAP SELECT MUTUAL FUNDS - 92112M103 182 17500 SH
VODAFONE AIRTOUCH GROUP PLC FOREIGN STOCK 92857T107 341 7155 SH
VODAFONE AIRTOUCH GROUP PLC FOREIGN STOCK 92857T107 2665 55950 SH
WAL-MART STORES INC COMMON STOCK 931142103 4274 62399 SH
WAL-MART STORES INC COMMON STOCK 931142103 1595 23284 SH
WARNER LAMBERT CO COMMON STOCK 934488107 1863 21444 SH
WARNER LAMBERT CO COMMON STOCK 934488107 1677 19298 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 1266 32348 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 689 17620 SH
WEYERHAEUSER CO COMMON STOCK 962166104 9 125 SH
WEYERHAEUSER CO COMMON STOCK 962166104 1943 27106 SH
XEROX CORP COMMON STOCK 984121103 608 25011 SH
XEROX CORP COMMON STOCK 984121103 567 23314 SH
DAIMLERCHRYSLER AG FOREIGN STOCK D1668R123 31 400 SH
DAIMLERCHRYSLER AG FOREIGN STOCK D1668R123 570 7457 SH
GLOBAL CROSSING LTD FOREIGN STOCK G3921A100 745 16883 SH
NAME OF ISSUER INVSTMT OTHER VOTING AUTHORITY
SECURITY NAME DISCRTN MANAGERS SOLE SHARED NONE
AFLAC CORP DEFINED 40525
AFLAC CORP DEF/OTH 2850
AFLAC CORP DEF/OTH 575
AMR CORP DEFINED 8200
A T & T CORP DEFINED 68221
A T & T CORP DEFINED 187
A T & T CORP DEFINED 300
A T & T CORP DEF/OTH 32584
A T & T CORP DEF/OTH 69015
A T & T CORP DEF/OTH 3889
A T & T CAP CORP DEFINED 10900
A T & T CAP CORP DEF/OTH 7606
A T & T CAP CORP DEF/OTH 1000
ABBOTT LABS DEFINED 88498
ABBOTT LABS DEF/OTH 39418
ABBOTT LABS DEF/OTH 2650
ABBOTT LABS DEF/OTH 5300
AIMCO RESOURCE INC DEF/OTH 36700
AIR PROD & CHEM INC DEFINED 16535
AIR PROD & CHEM INC DEF/OTH 1530
ALCOA INC DEFINED 5340
ALCOA INC DEF/OTH 700
ALLSTATE CORP DEFINED 9186
ALLSTATE CORP DEF/OTH 2716
ALLSTATE CORP DEF/OTH 926
ALLSTATE CORP DEF/OTH 184
AMERICA ONLINE INC DEFINED 960
AMERICA ONLINE INC DEFINED 200
AMERICA ONLINE INC DEF/OTH 1900
AMERICA ONLINE INC DEF/OTH 200
AMERICAN EXPRESS CO DEFINED 5168
AMERICAN EXPRESS CO DEFINED 350
AMERICAN EXPRESS CO DEF/OTH 1430
AMERICAN EXPRESS CO DEF/OTH 5000
AMERICAN EXPRESS CO DEF/OTH 100
AMERICAN HOME PRODUCTS CORP DEFINED 66080
AMERICAN HOME PRODUCTS CORP DEFINED 1050
AMERICAN HOME PRODUCTS CORP DEF/OTH 39492
AMERICAN HOME PRODUCTS CORP DEF/OTH 44200
AMERICAN HOME PRODUCTS CORP DEF/OTH 2000
AMERICAN INTL GROUP INC DEFINED 59191
AMERICAN INTL GROUP INC DEF/OTH 13689
AMERICAN INTL GROUP INC DEF/OTH 381
ANHEUSER BUSCH COS INC DEFINED 2365
ANHEUSER BUSCH COS INC DEFINED 200
ANHEUSER BUSCH COS INC DEF/OTH 4000
AON CORP DEFINED 6787
AON CORP DEF/OTH 8096
ARCHER DANIELS MIDLAND CO DEFINED 8433
ARCHER DANIELS MIDLAND CO DEF/OTH 20952
ASSOCIATES FIRST CAPITAL CORP DEFINED 6188
ASSOCIATES FIRST CAPITAL CORP DEF/OTH 8070
ASSOCIATES FIRST CAPITAL CORP DEF/OTH 3416
ATLANTIC RICHFIELD CO DEFINED 4673
ATLANTIC RICHFIELD CO DEF/OTH 8363
ATLANTIC RICHFIELD CO DEF/OTH 10800
ATLANTIC RICHFIELD CO DEF/OTH 2000
AUTOMATIC DATA PROCESSING INC DEFINED 29284
AUTOMATIC DATA PROCESSING INC DEF/OTH 14800
AUTOMATIC DATA PROCESSING INC DEF/OTH 400
BP AMOCO PLC DEFINED 99860
BP AMOCO PLC DEFINED 2116
BP AMOCO PLC DEF/OTH 24892
BP AMOCO PLC DEF/OTH 3210
BANK OF AMERICA CORP DEFINED 2682
BANK OF AMERICA CORP DEF/OTH 7137
BANK OF AMERICA CORP DEF/OTH 11316
BANK ONE CORP DEFINED 146376
BANK ONE CORP DEF/OTH 35749
BANK ONE CORP DEF/OTH 5000
BAXTER INTL INC DEFINED 1800
BAXTER INTL INC DEF/OTH 1049
BAXTER INTL INC DEF/OTH 5100
BEAR STEARNS COS INC DEFINED 24400
BEAR STEARNS COS INC DEF/OTH 105
BELL ATLANTIC CORP DEFINED 34901
BELL ATLANTIC CORP DEF/OTH 20762
BELL ATLANTIC CORP DEF/OTH 64682
BELL ATLANTIC CORP DEF/OTH 2384
BELLSOUTH CORP DEFINED 48780
BELLSOUTH CORP DEFINED 1356
BELLSOUTH CORP DEF/OTH 29932
BELLSOUTH CORP DEF/OTH 81424
BELLSOUTH CORP DEF/OTH 1076
BERKSHIRE HATHAWAY INC DEFINED 114
BESTFOODS INC DEFINED 7568
BESTFOODS INC DEF/OTH 2242
BESTFOODS INC DEF/OTH 800
BLACK & DECKER DEFINED 4468
BLACK & DECKER DEF/OTH 160
BOEING CO DEFINED 4309
BOEING CO DEF/OTH 19188
BOEING CO DEF/OTH 29225
BOEING CO DEF/OTH 520
BRISTOL MYERS SQUIBB DEFINED 40813
BRISTOL MYERS SQUIBB DEFINED 400
BRISTOL MYERS SQUIBB DEF/OTH 37490
BRISTOL MYERS SQUIBB DEF/OTH 20968
BRISTOL MYERS SQUIBB DEF/OTH 400
BURR OAK TOOL & GAUGE CO DEFINED 2530
CBS CORP DEFINED 2891
CBS CORP DEF/OTH 1050
CMS ENERGY CORP DEFINED 7235
CMS ENERGY CORP DEFINED 100
CMS ENERGY CORP DEF/OTH 3208
CMS ENERGY CORP DEF/OTH 1013
CMS ENERGY CORP DEF/OTH 1146
CSX CORP DEFINED 356
CSX CORP DEF/OTH 6423
CSX CORP DEF/OTH 800
CAROLINA PWR & LT CO DEFINED 980
CAROLINA PWR & LT CO DEFINED 125
CAROLINA PWR & LT CO DEF/OTH 5590
CAROLINA PWR & LT CO DEF/OTH 1000
CATERPILLAR TRACTOR CO DEFINED 5514
CATERPILLAR TRACTOR CO DEF/OTH 1394
CATERPILLAR TRACTOR CO DEF/OTH 400
CHASE MANHATTAN CORP NEW DEFINED 19660
CHASE MANHATTAN CORP NEW DEF/OTH 3175
CHEVRON CORP DEFINED 14104
CHEVRON CORP DEFINED 200
CHEVRON CORP DEF/OTH 8140
CHEVRON CORP DEF/OTH 320
CHEVRON CORP DEF/OTH 240
CISCO SYS INC DEFINED 33993
CISCO SYS INC DEF/OTH 16349
CISCO SYS INC DEF/OTH 796
CISCO SYS INC DEF/OTH 2750
CITIGROUP INC DEFINED 28471
CITIGROUP INC DEF/OTH 10227
CITIZENS BKG CORP DEFINED 840888
CITIZENS BKG CORP DEFINED 8450
CITIZENS BKG CORP DEFINED 54424
CITIZENS BKG CORP DEF/OTH 408210
CITIZENS BKG CORP DEF/OTH 68890
CITIZENS BKG CORP DEF/OTH 64252
COASTAL CORP DEFINED 31920
COCA-COLA CO DEFINED 22388
COCA-COLA CO DEFINED 200
COCA-COLA CO DEFINED 400
COCA-COLA CO DEF/OTH 22911
COCA-COLA CO DEF/OTH 200
COLGATE PALMOLIVE CO DEFINED 13250
COLGATE PALMOLIVE CO DEF/OTH 3704
COMERICA INC DEFINED 13163
COMERICA INC DEF/OTH 15276
COMERICA INC DEF/OTH 2055
COMMERCIAL NATL FINL CORP DEFINED 17953
COMMERCIAL NATL FINL CORP DEFINED 13948
COMMERCIAL NATL FINL CORP DEF/OTH 45540
COMMUNITY BANCORP INC DEF/OTH 3475
COMPAQ COMPUTER CORP DEFINED 7200
COMPAQ COMPUTER CORP DEF/OTH 3120
COMPAQ COMPUTER CORP DEF/OTH 100
CONEXANT SYSTEMS INC DEFINED 1990
CONEXANT SYSTEMS INC DEF/OTH 3360
CONOCO INC DEFINED 13400
COOPER INDUSTRIES INC DEFINED 8634
COOPER INDUSTRIES INC DEF/OTH 4100
DTE ENERGY COMPANY DEFINED 3468
DTE ENERGY COMPANY DEF/OTH 17244
DTE ENERGY COMPANY DEF/OTH 10000
DTE ENERGY COMPANY DEF/OTH 2000
DAYTON HUDSON CORP DEFINED 46552
DAYTON HUDSON CORP DEF/OTH 22705
DAYTON HUDSON CORP DEF/OTH 1600
DELL COMPUTER DEFINED 19175
DELL COMPUTER DEF/OTH 1947
DELL COMPUTER DEF/OTH 2000
DELPHI AUTOMOTIVE SYS CORP DEFINED 25618
DELPHI AUTOMOTIVE SYS CORP DEF/OTH 28158
DELPHI AUTOMOTIVE SYS CORP DEF/OTH 141043
DELPHI AUTOMOTIVE SYS CORP DEF/OTH 8361
DENNOS FURNITURE INC DEF/OTH 7996
DISNEY WALT CO DEFINED 53303
DISNEY WALT CO DEFINED 600
DISNEY WALT CO DEF/OTH 19410
DOLLAR GENERAL CORP DEFINED 200
DOLLAR GENERAL CORP DEF/OTH 17775
DOMINION RESOURCES INC DEF/OTH 4699
DOMINION RESOURCES INC DEF/OTH 399
DOW CHEMICAL CO DEFINED 12131
DOW CHEMICAL CO DEFINED 100
DOW CHEMICAL CO DEFINED 200
DOW CHEMICAL CO DEF/OTH 147768
DOW CHEMICAL CO DEF/OTH 200
DOW CHEMICAL CO DEF/OTH 2676
DU PONT E I DE NEMOURS & CO DEFINED 12756
DU PONT E I DE NEMOURS & CO DEFINED 400
DU PONT E I DE NEMOURS & CO DEF/OTH 16830
DU PONT E I DE NEMOURS & CO DEF/OTH 3200
DUFF & PHELPS UTILS INCOME INC DEFINED 405
DUFF & PHELPS UTILS INCOME INC DEF/OTH 606
DUFF & PHELPS UTILS INCOME INC DEF/OTH 10000
EASTMAN KODAK CO DEFINED 4990
EASTMAN KODAK CO DEFINED 150
EASTMAN KODAK CO DEFINED 200
EASTMAN KODAK CO DEF/OTH 10724
EASTMAN KODAK CO DEF/OTH 5775
EDISON INTL DEFINED 2800
EDISON INTL DEF/OTH 17376
ELECTRONIC DATA SYSTEMS CORP DEFINED 11023
ELECTRONIC DATA SYSTEMS CORP DEF/OTH 8672
ELECTRONIC DATA SYSTEMS CORP DEF/OTH 214520
ELECTRONIC DATA SYSTEMS CORP DEF/OTH 7652
EMERSON ELECTRIC CO DEFINED 30474
EMERSON ELECTRIC CO DEF/OTH 8215
EMERSON ELECTRIC CO DEF/OTH 2600
ENRON CORP DEFINED 6000
ENRON CORP DEF/OTH 10600
ENRON CORP DEF/OTH 2000
ENRON CORP DEF/OTH 3700
EQUITY INCOME FD DEFINED 1221
ERICSSON L M TEL CO DEFINED 5784
ERICSSON L M TEL CO DEF/OTH 800
EXXON MOBIL CORP DEFINED 190085
EXXON MOBIL CORP DEFINED 400
EXXON MOBIL CORP DEFINED 1025
EXXON MOBIL CORP DEF/OTH 130155
EXXON MOBIL CORP DEF/OTH 11450
EXXON MOBIL CORP DEF/OTH 4828
FPL GROUP INC DEFINED 2870
FPL GROUP INC DEF/OTH 4800
FNMA DEFINED 18365
FNMA DEF/OTH 4500
FNMA DEF/OTH 1653
FNMA DEF/OTH 800
FENTURA BANCORP INC DEFINED 32318
FENTURA BANCORP INC DEF/OTH 11258
FIRST DATA CORP DEFINED 17678
FIRST DATA CORP DEF/OTH 712
FIRST DATA CORP DEF/OTH 605
FIRST UNION CORP DEFINED 38267
FIRST UNION CORP DEF/OTH 6220
FIRST UNION CORP DEF/OTH 900
FIRST UNION CORP DEF/OTH 1200
FLA PROGRESS CO DEF/OTH 1650
FLA PROGRESS CO DEF/OTH 15000
FORD MOTOR CO DEFINED 33588
FORD MOTOR CO DEF/OTH 13790
FORD MOTOR CO DEF/OTH 9452
FORTUNE BRANDS INC DEFINED 3000
FORTUNE BRANDS INC DEF/OTH 5832
GM3S, INC DEF/OTH 10000
GTE CORP DEFINED 30063
GTE CORP DEF/OTH 18625
GTE CORP DEF/OTH 100
GTE CORP DEF/OTH 4196
GANNETT INC DEFINED 6328
GANNETT INC DEF/OTH 2192
GENERAL ELECTRIC CO DEFINED 186569
GENERAL ELECTRIC CO DEFINED 200
GENERAL ELECTRIC CO DEFINED 1916
GENERAL ELECTRIC CO DEF/OTH 93413
GENERAL ELECTRIC CO DEF/OTH 47346
GENERAL ELECTRIC CO DEF/OTH 5150
GENERAL HOUSING CORP DEFINED 7841
GENERAL MILLS INC DEFINED 16200
GENERAL MILLS INC DEFINED 250
GENERAL MILLS INC DEF/OTH 7000
GENERAL MILLS INC DEF/OTH 3400
GENERAL MOTORS CORP DEFINED 48050
GENERAL MOTORS CORP DEFINED 200
GENERAL MOTORS CORP DEF/OTH 39850
GENERAL MOTORS CORP DEF/OTH 202556
GENERAL MOTORS CORP DEF/OTH 8883
GENERAL MOTORS CORP DEFINED 748
GENERAL MOTORS CORP DEF/OTH 1562
GENERAL MOTORS CORP DEF/OTH 53710
GENERAL MOTORS CORP DEF/OTH 1988
GEORGIA PAC CORP DEFINED 13795
GEORGIA PAC CORP DEF/OTH 1000
GEORGIA PAC CORP DEF/OTH 400
GILLETTE CO DEFINED 13477
GILLETTE CO DEF/OTH 895
HEWLETT PACKARD DEFINED 18362
HEWLETT PACKARD DEF/OTH 7660
HEWLETT PACKARD DEF/OTH 500
HEWLETT PACKARD DEF/OTH 600
HOME DEPOT INC DEFINED 63850
HOME DEPOT INC DEFINED 450
HOME DEPOT INC DEF/OTH 22686
HOME DEPOT INC DEF/OTH 675
HONEYWELL INTL INC DEFINED 3731
HONEYWELL INTL INC DEF/OTH 5477
HONEYWELL INTL INC DEF/OTH 400
HOOPER HILL FARMS, INC DEF/OTH 429
HUNTINGTON BANCSHARES DEFINED 27130
HUNTINGTON BANCSHARES DEF/OTH 1316
IMC MORTGAGE CO DEF/OTH 10000
IMS HEALTH INC DEFINED 8171
IMS HEALTH INC DEFINED 200
IMS HEALTH INC DEF/OTH 6094
INDEPENDENT BK CORP MICH DEFINED 11004
INDEPENDENT BK CORP MICH DEF/OTH 2520
INDUSTRIAL STL DEFINED 12000
INTEL CORP DEFINED 132831
INTEL CORP DEFINED 368
INTEL CORP DEF/OTH 46213
INTEL CORP DEF/OTH 888
INTEL CORP DEF/OTH 6400
IBM CORP DEFINED 46350
IBM CORP DEFINED 1000
IBM CORP DEF/OTH 12040
IBM CORP DEF/OTH 25600
INTERNATIONAL PAPER CO DEFINED 400
INTERNATIONAL PAPER CO DEF/OTH 2290
INTERNATIONAL PAPER CO DEF/OTH 7426
INTERNATIONAL PAPER CO DEF/OTH 200
JOHNSON & JOHNSON DEFINED 29916
JOHNSON & JOHNSON DEFINED 200
JOHNSON & JOHNSON DEFINED 400
JOHNSON & JOHNSON DEF/OTH 12915
JOHNSON & JOHNSON DEF/OTH 1300
JOHNSON & JOHNSON DEF/OTH 600
K MART CORP F/S S KRESGE CO DEFINED 7185
K MART CORP F/S S KRESGE CO DEF/OTH 11486
K MART CORP F/S S KRESGE CO DEF/OTH 1400
KELLOGG CO DEFINED 10286
KELLOGG CO DEF/OTH 6415
KEYCORP NEW DEFINED 11540
KEYCORP NEW DEF/OTH 200
KEYCORP NEW DEF/OTH 392
KIMBERLY CLARK CORP DEFINED 38926
KIMBERLY CLARK CORP DEF/OTH 6420
KIMBERLY CLARK CORP DEF/OTH 600
KIMBERLY CLARK CORP DEF/OTH 600
LAKE PAINTING INC DEFINED 84000
LEHMAN BROTHERS HLDGS INC DEFINED 11900
LEHMAN BROTHERS HLDGS INC DEF/OTH 80
LEHMAN BROTHERS HLDGS INC DEF/OTH 1000
LILLY ELI & CO DEFINED 1125
LILLY ELI & CO DEF/OTH 1884
LILLY ELI & CO DEF/OTH 10000
LOCKHEED MARTIN CORP DEFINED 4666
LOCKHEED MARTIN CORP DEF/OTH 7898
LOCKHEED MARTIN CORP DEF/OTH 6520
LUCENT TECHNOLOGIES INC DEFINED 89967
LUCENT TECHNOLOGIES INC DEFINED 548
LUCENT TECHNOLOGIES INC DEFINED 914
LUCENT TECHNOLOGIES INC DEF/OTH 45741
LUCENT TECHNOLOGIES INC DEF/OTH 62172
LUCENT TECHNOLOGIES INC DEF/OTH 3833
MCI WORLDCOM INC DEFINED 41265
MCI WORLDCOM INC DEF/OTH 4436
MCI WORLDCOM INC DEF/OTH 531
MCI WORLDCOM INC DEF/OTH 411
MACDONALD BROADCASTING CO DEF/OTH 1614
MAHAR TOOL SUPPLY CO DEF/OTH 520
MANDALAY RESORT GROUP DEFINED 19805
MANULIFE FINL CORP DEFINED 14887
MANULIFE FINL CORP DEF/OTH 5383
MARSH & MCLENNAN DEFINED 5078
MARSH & MCLENNAN DEFINED 300
MAY DEPARTMENT STORES DEFINED 6000
MAY DEPARTMENT STORES DEF/OTH 4122
MCDONALDS CORP DEFINED 51651
MCDONALDS CORP DEFINED 400
MCDONALDS CORP DEF/OTH 14436
MCDONALDS CORP DEF/OTH 400
MCDONALDS CORP DEF/OTH 13800
MCDONALDS CORP DEFINED 1400
MCDONALDS CORP DEF/OTH 13800
MEDIAONE GROUP INC DEFINED 80118
MEDIAONE GROUP INC DEF/OTH 686
MEDIAONE GROUP INC DEF/OTH 17784
MEDIAONE GROUP INC DEF/OTH 240
MEDTRONIC DEFINED 139393
MEDTRONIC DEFINED 664
MEDTRONIC DEF/OTH 6980
MEDTRONIC DEF/OTH 1560
MEDTRONIC DEF/OTH 2000
MERCK & CO INC DEFINED 152034
MERCK & CO INC DEFINED 400
MERCK & CO INC DEFINED 400
MERCK & CO INC DEF/OTH 41493
MERCK & CO INC DEF/OTH 39238
MERCK & CO INC DEF/OTH 4000
MERRILL LYNCH & CO INC DEFINED 3224
MERRILL LYNCH & CO INC DEF/OTH 950
MICROSOFT CORP DEFINED 131110
MICROSOFT CORP DEF/OTH 63358
MICROSOFT CORP DEF/OTH 6395
MICROSOFT CORP DEF/OTH 800
MICHIGAN SEAT COMPANY DEF/OTH 27800
MIDAMERICAN ENERGY HLDGS CO NEW DEFINED 14265
MILLER TOOL & DIE CO DEFINED 15330
MINNESOTA MINING & MFG CO DEFINED 13003
MINNESOTA MINING & MFG CO DEFINED 200
MINNESOTA MINING & MFG CO DEF/OTH 16453
MINNESOTA MINING & MFG CO DEF/OTH 1900
MONSANTO CO DEFINED 23790
MONSANTO CO DEFINED 575
MONSANTO CO DEF/OTH 26980
MONSANTO CO DEF/OTH 800
MORAINE LAND CO DEF/OTH 13500
MORGAN J P & CO DEFINED 625
MORGAN J P & CO DEF/OTH 1208
MORGAN J P & CO DEF/OTH 400
MORGAN STANLEY DEAN WITTER & CO DEFINED 1337
MORGAN STANLEY DEAN WITTER & CO DEF/OTH 672
MOTOROLA INC DEFINED 1115
MOTOROLA INC DEF/OTH 750
MOTOROLA INC DEF/OTH 100
NATIONAL CITY CORP DEFINED 14820
NATIONAL CITY CORP DEF/OTH 21670
NEWELL RUBBERMAID INC DEFINED 19976
NEWELL RUBBERMAID INC DEF/OTH 2358
NEWELL RUBBERMAID INC DEF/OTH 200
NORFOLK SOUTHERN CORP DEFINED 8240
NORFOLK SOUTHERN CORP DEFINED 300
NORFOLK SOUTHERN CORP DEF/OTH 3720
NORTEL NETWORKS CORP DEFINED 600
NORTEL NETWORKS CORP DEF/OTH 5600
OGE ENERGY CORP DEFINED 200
OGE ENERGY CORP DEF/OTH 1540
OGE ENERGY CORP DEF/OTH 20000
OLD KENT FINANCIAL CORP DEFINED 2870
OLD KENT FINANCIAL CORP DEF/OTH 8123
OLD KENT FINANCIAL CORP DEF/OTH 1102
ORACLE CORP DEFINED 4165
ORACLE CORP DEF/OTH 550
P P & L RES INC DEFINED 1899
P P & L RES INC DEF/OTH 3276
P P & L RES INC DEF/OTH 10000
P P & L RES INC DEF/OTH 1000
PAXSON OIL COMPANY DEF/OTH 1111
PENNEY J C INC DEFINED 2925
PENNEY J C INC DEFINED 100
PENNEY J C INC DEF/OTH 6734
PENNEY J C INC DEF/OTH 5000
PENNEY J C INC DEF/OTH 1000
PENNZOIL-QUAKER ST CO DEFINED 238
PENNZOIL-QUAKER ST CO DEF/OTH 10000
PEPSICO INC DEFINED 60903
PEPSICO INC DEF/OTH 20426
PEPSICO INC DEF/OTH 1472
PEPSICO INC DEF/OTH 1334
PERRY PRINTING COMPANY PFD DEFINED 641058
PHARMACIA & UPJOHN INC DEFINED 903
PHARMACIA & UPJOHN INC DEF/OTH 5168
PFIZER INC DEFINED 181438
PFIZER INC DEF/OTH 91356
PFIZER INC DEF/OTH 9000
PFIZER INC DEF/OTH 2400
PHILIP MORRIS COS INC DEFINED 61128
PHILIP MORRIS COS INC DEFINED 4800
PHILIP MORRIS COS INC DEF/OTH 45649
PHILIP MORRIS COS INC DEF/OTH 3476
PHILLIPS PETROLEUM CO DEFINED 4761
PHILLIPS PETROLEUM CO DEFINED 354
PHILLIPS PETROLEUM CO DEF/OTH 60
PITNEY BOWES DEFINED 700
PITNEY BOWES DEF/OTH 10464
PITNEY BOWES DEF/OTH 400
PROCTER & GAMBLE CO DEFINED 65386
PROCTER & GAMBLE CO DEFINED 400
PROCTER & GAMBLE CO DEF/OTH 24790
PROCTER & GAMBLE CO DEF/OTH 10464
QUAKER OATS CO DEFINED 2896
QUAKER OATS CO DEF/OTH 772
RAYTHEON CO DEFINED 782
RAYTHEON CO DEF/OTH 2318
RAYTHEON CO DEF/OTH 43013
RAYTHEON CO DEF/OTH 2086
RAYTHEON CO DEFINED 5900
RAYTHEON CO DEFINED 300
RAYTHEON CO DEF/OTH 3266
REMER PLUMBING AND HEATING INC DEF/OTH 2560
RELIANT ENERGY INC DEFINED 3516
RELIANT ENERGY INC DEF/OTH 701
RELIANT ENERGY INC DEF/OTH 5000
RELIANT ENERGY INC DEF/OTH 1000
REYNOLDS & REYNOLDS CO DEFINED 14200
ROCKWELL INTL CORP NEW DEFINED 1992
ROCKWELL INTL CORP NEW DEF/OTH 4114
ROYAL DUTCH PETROLEUM CO DEFINED 39700
ROYAL DUTCH PETROLEUM CO DEF/OTH 11265
SBC COMMUNICATIONS INC DEFINED 128488
SBC COMMUNICATIONS INC DEFINED 1765
SBC COMMUNICATIONS INC DEFINED 789
SBC COMMUNICATIONS INC DEF/OTH 44421
SBC COMMUNICATIONS INC DEF/OTH 159099
SBC COMMUNICATIONS INC DEF/OTH 3742
SPX CORP DEFINED 4766
SAFEWAY INC DEFINED 19142
SAFEWAY INC DEF/OTH 120
SAGINAW ROCK PRODUCTS DEF/OTH 15811
SARA LEE CORP DEFINED 50180
SARA LEE CORP DEF/OTH 10737
SARA LEE CORP DEF/OTH 1600
SCHERING-PLOUGH CORP DEFINED 34874
SCHERING-PLOUGH CORP DEF/OTH 4100
SCHERING-PLOUGH CORP DEF/OTH 300
SCHLUMBERGER LTD DEFINED 17343
SCHLUMBERGER LTD DEF/OTH 1550
SCHLUMBERGER LTD DEF/OTH 461
SEARS ROEBUCK & CO DEFINED 5287
SEARS ROEBUCK & CO DEF/OTH 2199
SEARS ROEBUCK & CO DEF/OTH 100
SIMPSON INDUSTRIES DEFINED 117762
SOLECTRON CORP DEFINED 2429
SOUTHERN CO DEFINED 5521
SOUTHERN CO DEF/OTH 24799
SOUTHERN CO DEF/OTH 400
SPARTON CORP DEFINED 56648
SPRINT CORP DEFINED 660
SPRINT CORP DEF/OTH 200
SPRINT CORP DEF/OTH 16556
SPRINT CORP DEFINED 7150
SPRINT CORP DEF/OTH 50
SPRINT CORP DEF/OTH 4138
STAR OF THE WEST MILLING CO DEFINED 1775
STATE STREET CORP DEFINED 10511
STATE STREET CORP DEF/OTH 100
STATE STREET CORP DEF/OTH 1500
SUN MICROSYSTEMS INC DEFINED 135800
SUN MICROSYSTEMS INC DEF/OTH 14954
SUN MICROSYSTEMS INC DEF/OTH 120
SUN MICROSYSTEMS INC DEF/OTH 2800
SUNTRUST BKS INC DEFINED 7655
SUNTRUST BKS INC DEF/OTH 400
SYSCO CORP DEFINED 550
SYSCO CORP DEF/OTH 13850
TECO ENERGY INC DEF/OTH 900
TECO ENERGY INC DEF/OTH 10000
TECO ENERGY INC DEF/OTH 2000
TELEFONICA DE ESPANA SA DEFINED 5598
TELEFONOS DE MEXICO DEFINED 8010
TELESPHERE COMMUNICATIONS INC DEFINED 10000
TEMPLETON FDS INC DEFINED 428
TEMPLETON FDS INC DEF/OTH 12660
TEXACO INC DEFINED 21377
TEXACO INC DEFINED 200
TEXACO INC DEF/OTH 10941
TEXACO INC DEF/OTH 10200
TEXACO INC DEF/OTH 1800
TEXAS UTILITIES DEFINED 2400
TEXAS UTILITIES DEF/OTH 2000
TEXAS UTILITIES DEF/OTH 10100
TORO CO DEFINED 32126
TRANS-INDUSTRIES INC DEFINED 42121
TRUSTCO BANK CORP NY DEFINED 11612
TYCO INTL LTD DEFINED 16249
TYCO INTL LTD DEF/OTH 1100
USX-MARATHON GROUP DEFINED 4797
USX-MARATHON GROUP DEF/OTH 3600
USX-MARATHON GROUP DEF/OTH 500
US WEST INC DEFINED 10363
US WEST INC DEF/OTH 6975
US WEST INC DEF/OTH 18269
US WEST INC DEF/OTH 246
UNITED TECHNOLOGIES CORP DEFINED 45730
UNITED TECHNOLOGIES CORP DEF/OTH 3884
UNITED TECHNOLOGIES CORP DEF/OTH 445
VAN KAMPEN MUNICIPAL DEF/OTH 15900
VAN KAMPEN AMERN CAP SELECT DEF/OTH 17500
VODAFONE AIRTOUCH GROUP PLC DEFINED 7155
VODAFONE AIRTOUCH GROUP PLC DEF/OTH 10085
VODAFONE AIRTOUCH GROUP PLC DEF/OTH 45265
VODAFONE AIRTOUCH GROUP PLC DEF/OTH 600
WAL-MART STORES INC DEFINED 62399
WAL-MART STORES INC DEF/OTH 22197
WAL-MART STORES INC DEF/OTH 587
WAL-MART STORES INC DEF/OTH 500
WARNER LAMBERT CO DEFINED 21444
WARNER LAMBERT CO DEF/OTH 19298
WELLS FARGO & CO NEW DEFINED 20930
WELLS FARGO & CO NEW DEFINED 11418
WELLS FARGO & CO NEW DEF/OTH 6460
WELLS FARGO & CO NEW DEF/OTH 10000
WELLS FARGO & CO NEW DEF/OTH 1160
WEYERHAEUSER CO DEFINED 125
WEYERHAEUSER CO DEF/OTH 21106
WEYERHAEUSER CO DEF/OTH 5000
WEYERHAEUSER CO DEF/OTH 1000
XEROX CORP DEFINED 25011
XEROX CORP DEF/OTH 20914
XEROX CORP DEF/OTH 1800
XEROX CORP DEF/OTH 600
DAIMLERCHRYSLER AG DEFINED 400
DAIMLERCHRYSLER AG DEF/OTH 6522
DAIMLERCHRYSLER AG DEF/OTH 935
GLOBAL CROSSING LTD DEFINED 16883
</TABLE>
