[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: 12/31/1999
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 Compliance Officer
Phone: 810-766-7761
Signature, Place, and Date of Signing:
Joyce L Lehman Flint, MI 01/26/2000
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: 401
Form 13F Information Table Value Total: $ 573,907
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 1912 40524 SH
AFLAC CORP COMMON STOCK 001055102 162 3425 SH
AMR CORP COMMON STOCK 001765106 549 8200 SH
A T & T CORP COMMON STOCK 001957109 3431 67516 SH
A T & T CORP COMMON STOCK 001957109 61 1192 SH
A T & T CORP COMMON STOCK 001957109 5360 105488 SH
A T & T CAP CORP PREFERRED STOCK 00206J308 189 8300 SH
A T & T CAP CORP PREFERRED STOCK 00206J308 9 400 SH
A T & T CAP CORP PREFERRED STOCK 00206J308 194 8506 SH
ABBOTT LABS COMMON STOCK 002824100 3213 88495 SH
ABBOTT LABS COMMON STOCK 002824100 1720 47368 SH
AIMCO RESOURCE INC COMMON STOCK 008999997 294 36700 SH
AIR PROD & CHEM INC COMMON STOCK 009158106 555 16535 SH
AIR PROD & CHEM INC COMMON STOCK 009158106 51 1530 SH
ALCOA INC COMMON STOCK 013817101 443 5340 SH
ALCOA INC COMMON STOCK 013817101 58 700 SH
ALLSTATE CORP COMMON STOCK 020002101 221 9186 SH
ALLSTATE CORP COMMON STOCK 020002101 92 3826 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 73 960 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 15 200 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 137 1800 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 884 5318 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 33 200 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 1086 6530 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 2644 67351 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 3363 85692 SH
AMERICAN INTL GROUP INC COMMON STOCK 026874107 6400 59191 SH
AMERICAN INTL GROUP INC COMMON STOCK 026874107 1521 14070 SH
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 182 2565 SH
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 284 4000 SH
AON CORP COMMON STOCK 037389103 271 6787 SH
AON CORP COMMON STOCK 037389103 324 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 170 6188 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 315 11486 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 404 4673 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 1831 21163 SH
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 1555 28871 SH
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 819 15200 SH
BP AMOCO PLC FOREIGN STOCK 055622104 6031 101686 SH
BP AMOCO PLC FOREIGN STOCK 055622104 17 290 SH
BP AMOCO PLC FOREIGN STOCK 055622104 1667 28102 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 135 2682 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 926 18453 SH
BANK ONE CORP COMMON STOCK 06423A103 4684 146376 SH
BANK ONE CORP COMMON STOCK 06423A103 1304 40749 SH
BAXTER INTL INC COMMON STOCK 071813109 113 1800 SH
BAXTER INTL INC COMMON STOCK 071813109 386 6149 SH
BEAR STEARNS COS INC COMMON STOCK 073902108 1043 24400 SH
BEAR STEARNS COS INC COMMON STOCK 073902108 4 105 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 2136 34701 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 12 200 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 5407 87828 SH
BELLSOUTH CORP COMMON STOCK 079860102 2326 49686 SH
BELLSOUTH CORP COMMON STOCK 079860102 21 450 SH
BELLSOUTH CORP COMMON STOCK 079860102 5263 112432 SH
BERKSHIRE HATHAWAY INC COMMON STOCK 084670207 209 114 SH
BESTFOODS INC COMMON STOCK 08658U101 398 7568 SH
BESTFOODS INC COMMON STOCK 08658U101 160 3042 SH
BLACK & DECKER COMMON STOCK 091797100 233 4468 SH
BLACK & DECKER COMMON STOCK 091797100 8 160 SH
BOEING CO COMMON STOCK 097023105 179 4309 SH
BOEING CO COMMON STOCK 097023105 2028 48933 SH
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 2645 41213 SH
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 3778 58858 SH
BURR OAK TOOL & GAUGE CO COMMON STOCK 122777774 549 2530 SH
CBS CORP COMMON STOCK 12490K107 185 2891 SH
CBS CORP COMMON STOCK 12490K107 67 1050 SH
CMS ENERGY CORP COMMON STOCK 125896100 226 7235 SH
CMS ENERGY CORP COMMON STOCK 125896100 3 100 SH
CMS ENERGY CORP COMMON STOCK 125896100 167 5367 SH
CSX CORP COMMON STOCK 126408103 11 356 SH
CSX CORP COMMON STOCK 126408103 227 7223 SH
CAROLINA PWR & LT CO COMMON STOCK 144141108 34 1105 SH
CAROLINA PWR & LT CO COMMON STOCK 144141108 201 6590 SH
CATERPILLAR TRACTOR CO COMMON STOCK 149123101 260 5514 SH
CATERPILLAR TRACTOR CO COMMON STOCK 149123101 84 1794 SH
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 1527 19660 SH
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 247 3175 SH
CHEVRON CORP COMMON STOCK 166751107 1226 14154 SH
CHEVRON CORP COMMON STOCK 166751107 17 200 SH
CHEVRON CORP COMMON STOCK 166751107 754 8700 SH
CISCO SYS INC COMMON STOCK 17275R102 3612 33713 SH
CISCO SYS INC COMMON STOCK 17275R102 30 280 SH
CISCO SYS INC COMMON STOCK 17275R102 2115 19745 SH
CITIGROUP INC COMMON STOCK 172967101 1585 28471 SH
CITIGROUP INC COMMON STOCK 172967101 570 10227 SH
CITIZENS BKG CORP COMMON STOCK 174420109 20047 895977 SH
CITIZENS BKG CORP COMMON STOCK 174420109 190 8485 SH
CITIZENS BKG CORP COMMON STOCK 174420109 12126 541952 SH
COASTAL CORP COMMON STOCK 190441105 1131 31920 SH
COCA-COLA CO COMMON STOCK 191216100 1316 22588 SH
COCA-COLA CO COMMON STOCK 191216100 23 400 SH
COCA-COLA CO COMMON STOCK 191216100 1346 23111 SH
COLGATE PALMOLIVE CO COMMON STOCK 194162103 861 13250 SH
COLGATE PALMOLIVE CO COMMON STOCK 194162103 241 3704 SH
COMERICA INC COMMON STOCK 200340107 615 13163 SH
COMERICA INC COMMON STOCK 200340107 809 17331 SH
COMMERCIAL NATL FINL CORP COMMON STOCK 202216107 415 31901 SH
COMMERCIAL NATL FINL CORP COMMON STOCK 202216107 592 45540 SH
COMMUNITY BANCORP INC COMMON STOCK 203992995 556 3475 SH
COMPAQ COMPUTER CORP COMMON STOCK 204493100 195 7200 SH
COMPAQ COMPUTER CORP COMMON STOCK 204493100 87 3220 SH
CONEXANT SYSTEMS INC COMMON STOCK 207142100 132 1990 SH
CONEXANT SYSTEMS INC COMMON STOCK 207142100 223 3360 SH
CONOCO INC COMMON STOCK 208251405 333 13400 SH
COOPER INDUSTRIES INC COMMON STOCK 216669101 6 150 SH
COOPER INDUSTRIES INC COMMON STOCK 216669101 343 8484 SH
COOPER INDUSTRIES INC COMMON STOCK 216669101 166 4100 SH
DTE ENERGY COMPANY COMMON STOCK 233331107 110 3468 SH
DTE ENERGY COMPANY COMMON STOCK 233331107 925 29244 SH
DAYTON HUDSON CORP COMMON STOCK 239753106 3419 46552 SH
DAYTON HUDSON CORP COMMON STOCK 239753106 1785 24305 SH
DELL COMPUTER COMMON STOCK 247025109 978 19175 SH
DELL COMPUTER COMMON STOCK 247025109 196 3850 SH
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 411 26090 SH
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 7 419 SH
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 2797 177562 SH
DENNOS FURNITURE INC COMMON STOCK 247999105 223 7996 SH
DISNEY WALT CO COMMON STOCK 254687106 1559 53299 SH
DISNEY WALT CO COMMON STOCK 254687106 18 600 SH
DISNEY WALT CO COMMON STOCK 254687106 568 19410 SH
DOLLAR GENERAL CORP COMMON STOCK 256669102 5 200 SH
DOLLAR GENERAL CORP COMMON STOCK 256669102 404 17775 SH
DOMINION RESOURCES INC COMMON STOCK 257470104 200 5098 SH
DOW CHEMICAL CO COMMON STOCK 260543103 1634 12231 SH
DOW CHEMICAL CO COMMON STOCK 260543103 27 200 SH
DOW CHEMICAL CO COMMON STOCK 260543103 20197 151149 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 823 12496 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 43 660 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 1319 20030 SH
DUFF & PHELPS UTILS INCOME INC COMMON STOCK 264324104 3 405 SH
DUFF & PHELPS UTILS INCOME INC COMMON STOCK 264324104 88 10606 SH
EASTMAN KODAK CO COMMON STOCK 277461109 341 5140 SH
EASTMAN KODAK CO COMMON STOCK 277461109 13 200 SH
EASTMAN KODAK CO COMMON STOCK 277461109 1093 16499 SH
EDISON INTL COMMON STOCK 281020107 73 2800 SH
EDISON INTL COMMON STOCK 281020107 455 17376 SH
ELECTRONIC DATA SYSTEMS CORP COMMON STOCK 285661104 738 11023 SH
ELECTRONIC DATA SYSTEMS CORP COMMON STOCK 285661104 15452 230844 SH
EMERSON ELECTRIC CO COMMON STOCK 291011104 1748 30472 SH
EMERSON ELECTRIC CO COMMON STOCK 291011104 621 10815 SH
ENRON CORP COMMON STOCK 293561106 266 6000 SH
ENRON CORP COMMON STOCK 293561106 723 16300 SH
EQUITY INCOME FD MUTUAL FUNDS - 294700703 248 1221 SH
ERICSSON L M TEL CO FOREIGN STOCK 294821400 380 5784 SH
ERICSSON L M TEL CO FOREIGN STOCK 294821400 53 800 SH
EXXON MOBIL CORP COMMON STOCK 30231G102 15380 190910 SH
EXXON MOBIL CORP COMMON STOCK 30231G102 81 1000 SH
EXXON MOBIL CORP COMMON STOCK 30231G102 11929 148067 SH
FPL GROUP INC COMMON STOCK 302571104 123 2870 SH
FPL GROUP INC COMMON STOCK 302571104 206 4800 SH
FNMA COMMON STOCK 313586109 1147 18365 SH
FNMA COMMON STOCK 313586109 434 6953 SH
FENTURA BANCORP INC COMMON STOCK 314645102 1483 32318 SH
FENTURA BANCORP INC COMMON STOCK 314645102 516 11258 SH
FIRST DATA CORP COMMON STOCK 319963104 898 18208 SH
FIRST DATA CORP COMMON STOCK 319963104 65 1317 SH
FIRST UNION CORP COMMON STOCK 337358105 1260 38261 SH
FIRST UNION CORP COMMON STOCK 337358105 274 8320 SH
FLA PROGRESS CO COMMON STOCK 341109106 705 16650 SH
FORD MOTOR CO COMMON STOCK 345370100 1791 33588 SH
FORD MOTOR CO COMMON STOCK 345370100 1239 23242 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 99 3000 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 193 5832 SH
GM3S, INC COMMON STOCK 361899990 0 10000 SH
GTE CORP COMMON STOCK 362320103 2109 29883 SH
GTE CORP COMMON STOCK 362320103 13 180 SH
GTE CORP COMMON STOCK 362320103 1617 22921 SH
GANNETT INC COMMON STOCK 364730101 516 6328 SH
GANNETT INC COMMON STOCK 364730101 179 2192 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 29130 188240 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 84 545 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 22630 146239 SH
GENERAL HOUSING CORP COMMON STOCK 369777776 3136 7841 SH
GENERAL MILLS INC COMMON STOCK 370334104 588 16450 SH
GENERAL MILLS INC COMMON STOCK 370334104 372 10400 SH
GENERAL MOTORS CORP COMMON STOCK 370442105 3467 47702 SH
GENERAL MOTORS CORP COMMON STOCK 370442105 58 800 SH
GENERAL MOTORS CORP COMMON STOCK 370442105 18266 251289 SH
GENERAL MOTORS CORP COMMON STOCK 370442832 72 748 SH
GENERAL MOTORS CORP COMMON STOCK 370442832 5497 57260 SH
GEORGIA PAC CORP COMMON STOCK 373298108 700 13795 SH
GEORGIA PAC CORP COMMON STOCK 373298108 71 1400 SH
GILLETTE CO COMMON STOCK 375766102 679 16477 SH
GILLETTE CO COMMON STOCK 375766102 37 895 SH
HEWLETT PACKARD COMMON STOCK 428236103 2089 18362 SH
HEWLETT PACKARD COMMON STOCK 428236103 996 8760 SH
HOME DEPOT INC COMMON STOCK 437076102 4364 42318 SH
HOME DEPOT INC COMMON STOCK 437076102 1606 15574 SH
HONEYWELL INTL INC COMMON STOCK 438516106 222 3851 SH
HONEYWELL INTL INC COMMON STOCK 438516106 339 5877 SH
HOOPER HILL FARMS, INC COMMON STOCK 438888885 255 429 SH
HUNTINGTON BANCSHARES COMMON STOCK 446150104 648 27130 SH
HUNTINGTON BANCSHARES COMMON STOCK 446150104 31 1316 SH
IMC MORTGAGE CO COMMON STOCK 449923101 0 10000 SH
IMS HEALTH INC COMMON STOCK 449934108 228 8371 SH
IMS HEALTH INC COMMON STOCK 449934108 166 6094 SH
INDEPENDENT BK CORP MICH COMMON STOCK 453838104 165 11254 SH
INDEPENDENT BK CORP MICH COMMON STOCK 453838104 37 2520 SH
INDUSTRIAL STL COMMON STOCK 4563459A7 480 12000 SH
INTEL CORP COMMON STOCK 458140100 10942 132935 SH
INTEL CORP COMMON STOCK 458140100 4404 53501 SH
IBM CORP COMMON STOCK 459200101 5054 46850 SH
IBM CORP COMMON STOCK 459200101 86 800 SH
IBM CORP COMMON STOCK 459200101 4060 37640 SH
INTERNATIONAL PAPER CO COMMON STOCK 460146103 23 400 SH
INTERNATIONAL PAPER CO COMMON STOCK 460146103 560 9916 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 2813 30166 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 37 400 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 1381 14815 SH
K MART CORP F/S S KRESGE CO COMMON STOCK 482584109 72 7185 SH
K MART CORP F/S S KRESGE CO COMMON STOCK 482584109 130 12886 SH
KELLOGG CO COMMON STOCK 487836108 317 10286 SH
KELLOGG CO COMMON STOCK 487836108 198 6415 SH
KEYCORP NEW COMMON STOCK 493267108 255 11540 SH
KEYCORP NEW COMMON STOCK 493267108 13 592 SH
KIMBERLY CLARK CORP COMMON STOCK 494368103 2564 39186 SH
KIMBERLY CLARK CORP COMMON STOCK 494368103 499 7620 SH
LAKE PAINTING INC COMMON STOCK 511111114 1407 84000 SH
LEHMAN BROTHERS HLDGS INC COMMON STOCK 524908100 1008 11900 SH
LEHMAN BROTHERS HLDGS INC COMMON STOCK 524908100 91 1080 SH
LILLY ELI & CO COMMON STOCK 532457108 75 1125 SH
LILLY ELI & CO COMMON STOCK 532457108 790 11884 SH
LOCKHEED MARTIN CORP COMMON STOCK 539830109 102 4666 SH
LOCKHEED MARTIN CORP COMMON STOCK 539830109 333 15218 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 6707 89429 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 75 998 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 8381 111746 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 2189 27506 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 273 3434 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 399 19805 SH
MANULIFE FINL CORP FOREIGN STOCK 56501R106 178 14001 SH
MANULIFE FINL CORP FOREIGN STOCK 56501R106 11 886 SH
MANULIFE FINL CORP FOREIGN STOCK 56501R106 32 2496 SH
MANULIFE FINL CORP FOREIGN STOCK 56501R106 37 2887 SH
MARSH & MCLENNAN COMMON STOCK 571748102 515 5378 SH
MAY DEPARTMENT STORES COMMON STOCK 577778103 285 8850 SH
MAY DEPARTMENT STORES COMMON STOCK 577778103 133 4122 SH
MCDONALDS CORP COMMON STOCK 580135101 2082 51651 SH
MCDONALDS CORP COMMON STOCK 580135101 16 400 SH
MCDONALDS CORP COMMON STOCK 580135101 598 14836 SH
MCDONALDS CORP PREFERRED STOCK 580135804 307 13800 SH
MCDONALDS CORP PREFERRED STOCK 580135887 32 1400 SH
MCDONALDS CORP PREFERRED STOCK 580135887 311 13800 SH
MEDIAONE GROUP INC COMMON STOCK 58440J104 6139 79918 SH
MEDIAONE GROUP INC COMMON STOCK 58440J104 15 200 SH
MEDIAONE GROUP INC COMMON STOCK 58440J104 1437 18710 SH
MEDTRONIC COMMON STOCK 585055106 5118 140466 SH
MEDTRONIC COMMON STOCK 585055106 384 10540 SH
MERCK & CO INC COMMON STOCK 589331107 10242 152433 SH
MERCK & CO INC COMMON STOCK 589331107 27 400 SH
MERCK & CO INC COMMON STOCK 589331107 5718 85106 SH
MERRILL LYNCH & CO INC COMMON STOCK 590188108 269 3224 SH
MERRILL LYNCH & CO INC COMMON STOCK 590188108 79 950 SH
MICROSOFT CORP COMMON STOCK 594918104 15328 131285 SH
MICROSOFT CORP COMMON STOCK 594918104 8196 70203 SH
MICHIGAN SEAT COMPANY COMMON STOCK 594999997 782 27800 SH
MIDAMERICAN ENERGY HLDGS CO NEW COMMON STOCK 59562V107 481 14265 SH
MILLER TOOL & DIE CO COMMON STOCK 5982099A4 10 15330 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 1273 13003 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 20 200 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 1796 18353 SH
MONSANTO CO COMMON STOCK 611662107 867 24455 SH
MONSANTO CO COMMON STOCK 611662107 984 27780 SH
MORAINE LAND CO COMMON STOCK 615999109 0 13500 SH
MORGAN J P & CO COMMON STOCK 616880100 97 765 SH
MORGAN J P & CO COMMON STOCK 616880100 204 1608 SH
MORGAN STANLEY DEAN WITTER & CO COMMON STOCK 617446448 191 1337 SH
MORGAN STANLEY DEAN WITTER & CO COMMON STOCK 617446448 96 672 SH
MOTOROLA INC COMMON STOCK 620076109 147 1000 SH
MOTOROLA INC COMMON STOCK 620076109 125 850 SH
NATIONAL CITY CORP COMMON STOCK 635405103 351 14820 SH
NATIONAL CITY CORP COMMON STOCK 635405103 513 21670 SH
NEWELL RUBBERMAID INC COMMON STOCK 651229106 594 20486 SH
NEWELL RUBBERMAID INC COMMON STOCK 651229106 74 2558 SH
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 175 8540 SH
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 76 3720 SH
NORTEL NETWORKS CORP FOREIGN STOCK 656569100 61 600 SH
NORTEL NETWORKS CORP FOREIGN STOCK 656569100 566 5600 SH
OGE ENERGY CORP COMMON STOCK 670837103 4 200 SH
OGE ENERGY CORP COMMON STOCK 670837103 409 21540 SH
OLD KENT FINANCIAL CORP COMMON STOCK 679833103 102 2870 SH
OLD KENT FINANCIAL CORP COMMON STOCK 679833103 326 9225 SH
ORACLE CORP COMMON STOCK 68389X105 467 4165 SH
ORACLE CORP COMMON STOCK 68389X105 17 150 SH
P P & L RES INC COMMON STOCK 693499105 43 1899 SH
P P & L RES INC COMMON STOCK 693499105 327 14276 SH
PAXSON OIL COMPANY COMMON STOCK 704444447 1271 1111 SH
PENNEY J C INC COMMON STOCK 708160106 60 3025 SH
PENNEY J C INC COMMON STOCK 708160106 254 12734 SH
PENNZOIL-QUAKER ST CO COMMON STOCK 709323109 2 238 SH
PENNZOIL-QUAKER ST CO COMMON STOCK 709323109 102 10000 SH
PEPSICO INC COMMON STOCK 713448108 2128 60373 SH
PEPSICO INC COMMON STOCK 713448108 13 355 SH
PEPSICO INC COMMON STOCK 713448108 819 23232 SH
PERRY PRINTING COMPANY PFD PREFERRED STOCK 714622222 3205 641058 SH
PHARMACIA & UPJOHN INC COMMON STOCK 716941109 41 903 SH
PHARMACIA & UPJOHN INC COMMON STOCK 716941109 233 5168 SH
PFIZER INC COMMON STOCK 717081103 5885 181438 SH
PFIZER INC COMMON STOCK 717081103 3333 102756 SH
PHILIP MORRIS COS INC COMMON STOCK 718154107 2057 89421 SH
PHILIP MORRIS COS INC COMMON STOCK 718154107 1130 49125 SH
PHILLIPS PETROLEUM CO COMMON STOCK 718507106 240 5115 SH
PHILLIPS PETROLEUM CO COMMON STOCK 718507106 3 60 SH
PITNEY BOWES COMMON STOCK 724479100 34 700 SH
PITNEY BOWES COMMON STOCK 724479100 525 10864 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 7164 65385 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 44 400 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 3863 35254 SH
QUAKER OATS CO COMMON STOCK 747402105 190 2896 SH
QUAKER OATS CO COMMON STOCK 747402105 51 772 SH
RAYTHEON CO COMMON STOCK 755111309 18 744 SH
RAYTHEON CO COMMON STOCK 755111309 0 38 SH
RAYTHEON CO COMMON STOCK 755111309 1177 47417 SH
RAYTHEON CO COMMON STOCK 755111408 205 7705 SH
RAYTHEON CO COMMON STOCK 755111408 87 3266 SH
REMER PLUMBING AND HEATING INC PREFERRED STOCK 759466998 256 2560 SH
RELIANT ENERGY INC COMMON STOCK 75952J108 80 3516 SH
RELIANT ENERGY INC COMMON STOCK 75952J108 153 6701 SH
REYNOLDS & REYNOLDS CO COMMON STOCK 761695105 320 14200 SH
ROCKWELL INTL CORP NEW COMMON STOCK 773903109 95 1992 SH
ROCKWELL INTL CORP NEW COMMON STOCK 773903109 197 4114 SH
ROYAL DUTCH PETROLEUM CO FOREIGN STOCK 780257804 2404 39700 SH
ROYAL DUTCH PETROLEUM CO FOREIGN STOCK 780257804 682 11265 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 6355 130356 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 33 686 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 10128 207763 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 1107 50180 SH
SARA LEE CORP COMMON STOCK 803111103 272 12337 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 1478 34874 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 186 4400 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 973 17342 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 113 2011 SH
SEARS ROEBUCK & CO COMMON STOCK 812387108 161 5287 SH
SEARS ROEBUCK & CO COMMON STOCK 812387108 70 2299 SH
SIMPSON INDUSTRIES COMMON STOCK 829060102 1325 117762 SH
SOLECTRON CORP COMMON STOCK 834182107 231 2429 SH
SOUTHERN CO COMMON STOCK 842587107 130 5521 SH
SOUTHERN CO COMMON STOCK 842587107 592 25199 SH
SPARTON CORP COMMON STOCK 847235108 301 56648 SH
SPRINT CORP COMMON STOCK 852061100 44 660 SH
SPRINT CORP COMMON STOCK 852061100 1128 16756 SH
SPRINT CORP COMMON STOCK 852061506 733 7150 SH
SPRINT CORP COMMON STOCK 852061506 429 4188 SH
STAR OF THE WEST MILLING CO COMMON STOCK 855159992 328 1775 SH
STATE STREET CORP COMMON STOCK 857477103 768 10510 SH
STATE STREET CORP COMMON STOCK 857477103 117 1600 SH
SUN MICROSYSTEMS INC COMMON STOCK 866810104 10516 135800 SH
SUN MICROSYSTEMS INC COMMON STOCK 866810104 1384 17874 SH
SUNTRUST BKS INC COMMON STOCK 867914103 527 7655 SH
SUNTRUST BKS INC COMMON STOCK 867914103 28 400 SH
SYSCO CORP COMMON STOCK 871829107 22 550 SH
SYSCO CORP COMMON STOCK 871829107 548 13850 SH
TECO ENERGY INC COMMON STOCK 872375100 239 12900 SH
TELEFONICA DE ESPANA SA FOREIGN STOCK 879382208 441 5598 SH
TELEFONOS DE MEXICO FOREIGN STOCK 879403780 901 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 237 12660 SH
TEXACO INC COMMON STOCK 881694103 1172 21577 SH
TEXACO INC COMMON STOCK 881694103 1246 22941 SH
TEXAS UTILITIES COMMON STOCK 882848104 85 2400 SH
TEXAS UTILITIES COMMON STOCK 882848104 430 12100 SH
TORO CO COMMON STOCK 891092108 1199 32126 SH
TRANS-INDUSTRIES INC COMMON STOCK 893239103 232 42121 SH
TRUSTCO BANK CORP NY COMMON STOCK 898349105 154 11612 SH
TYCO INTL LTD COMMON STOCK 902124106 632 16209 SH
TYCO INTL LTD COMMON STOCK 902124106 2 40 SH
TYCO INTL LTD COMMON STOCK 902124106 35 900 SH
USX-MARATHON GROUP COMMON STOCK 902905827 118 4797 SH
USX-MARATHON GROUP COMMON STOCK 902905827 101 4100 SH
US WEST INC COMMON STOCK 91273H101 746 10363 SH
US WEST INC COMMON STOCK 91273H101 1835 25490 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 2972 45728 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 281 4329 SH
VAN KAMPEN MUNICIPAL MUTUAL FUNDS - 920944105 186 15900 SH
VAN KAMPEN AMERN CAP SELECT MUTUAL FUNDS - 92112M103 180 17500 SH
VODAFONE AIRTOUCH GROUP PLC FOREIGN STOCK 92857T107 354 7155 SH
VODAFONE AIRTOUCH GROUP PLC FOREIGN STOCK 92857T107 2770 55950 SH
WAL-MART STORES INC COMMON STOCK 931142103 4313 62398 SH
WAL-MART STORES INC COMMON STOCK 931142103 1610 23284 SH
WARNER LAMBERT CO COMMON STOCK 934488107 1757 21444 SH
WARNER LAMBERT CO COMMON STOCK 934488107 1581 19298 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 1308 32348 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 713 17620 SH
WEYERHAEUSER CO COMMON STOCK 962166104 9 125 SH
WEYERHAEUSER CO COMMON STOCK 962166104 1947 27106 SH
XEROX CORP COMMON STOCK 984121103 567 25011 SH
XEROX CORP COMMON STOCK 984121103 552 24314 SH
DAIMLERCHRYSLER AG FOREIGN STOCK D1668R123 31 400 SH
DAIMLERCHRYSLER AG FOREIGN STOCK D1668R123 582 7457 SH
GLOBAL CROSSING LTD FOREIGN STOCK G3921A100 144 2878 SH
GLOBAL CROSSING LTD FOREIGN STOCK G3921A100 700 14005 SH
NAME OF ISSUER INVSTMT OTHER VOTING AUTHORITY
SECURITY NAME DISCRTN MANAGERS SOLE SHARED NONE
AFLAC CORP SOLE 40524
AFLAC CORP OTHER 2850
AFLAC CORP OTHER 575
AMR CORP SOLE 8200
A T & T CORP SOLE 67329
A T & T CORP SOLE 187
A T & T CORP DEFINED 892
A T & T CORP DEFINED 300
A T & T CORP OTHER 32584
A T & T CORP OTHER 69015
A T & T CORP OTHER 3889
A T & T CAP CORP SOLE 8300
A T & T CAP CORP DEFINED 400
A T & T CAP CORP OTHER 7506
A T & T CAP CORP OTHER 1000
ABBOTT LABS SOLE 88495
ABBOTT LABS OTHER 39418
ABBOTT LABS OTHER 2650
ABBOTT LABS OTHER 5300
AIMCO RESOURCE INC OTHER 36700
AIR PROD & CHEM INC SOLE 16535
AIR PROD & CHEM INC OTHER 1530
ALCOA INC SOLE 5340
ALCOA INC OTHER 700
ALLSTATE CORP SOLE 9186
ALLSTATE CORP OTHER 2716
ALLSTATE CORP OTHER 926
ALLSTATE CORP OTHER 184
AMERICA ONLINE INC SOLE 960
AMERICA ONLINE INC DEFINED 200
AMERICA ONLINE INC OTHER 1600
AMERICA ONLINE INC OTHER 200
AMERICAN EXPRESS CO SOLE 5168
AMERICAN EXPRESS CO SOLE 150
AMERICAN EXPRESS CO DEFINED 200
AMERICAN EXPRESS CO OTHER 1430
AMERICAN EXPRESS CO OTHER 5000
AMERICAN EXPRESS CO OTHER 100
AMERICAN HOME PRODUCTS CORP SOLE 66301
AMERICAN HOME PRODUCTS CORP SOLE 1050
AMERICAN HOME PRODUCTS CORP OTHER 39492
AMERICAN HOME PRODUCTS CORP OTHER 44200
AMERICAN HOME PRODUCTS CORP OTHER 2000
AMERICAN INTL GROUP INC SOLE 59191
AMERICAN INTL GROUP INC OTHER 13689
AMERICAN INTL GROUP INC OTHER 381
ANHEUSER BUSCH COS INC SOLE 2365
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 6188
ASSOCIATES FIRST CAPITAL CORP OTHER 8070
ASSOCIATES FIRST CAPITAL CORP OTHER 3416
ATLANTIC RICHFIELD CO SOLE 4673
ATLANTIC RICHFIELD CO OTHER 8363
ATLANTIC RICHFIELD CO OTHER 10800
ATLANTIC RICHFIELD CO OTHER 2000
AUTOMATIC DATA PROCESSING INC SOLE 28871
AUTOMATIC DATA PROCESSING INC OTHER 14800
AUTOMATIC DATA PROCESSING INC OTHER 400
BP AMOCO PLC SOLE 99570
BP AMOCO PLC SOLE 2116
BP AMOCO PLC DEFINED 290
BP AMOCO PLC OTHER 24892
BP AMOCO PLC OTHER 3210
BANK OF AMERICA CORP SOLE 2682
BANK OF AMERICA CORP OTHER 7137
BANK OF AMERICA CORP OTHER 11316
BANK ONE CORP SOLE 146376
BANK ONE CORP OTHER 35749
BANK ONE CORP OTHER 5000
BAXTER INTL INC SOLE 1800
BAXTER INTL INC OTHER 1049
BAXTER INTL INC OTHER 5100
BEAR STEARNS COS INC SOLE 24400
BEAR STEARNS COS INC OTHER 105
BELL ATLANTIC CORP SOLE 34701
BELL ATLANTIC CORP DEFINED 200
BELL ATLANTIC CORP OTHER 20762
BELL ATLANTIC CORP OTHER 64682
BELL ATLANTIC CORP OTHER 2384
BELLSOUTH CORP SOLE 48330
BELLSOUTH CORP SOLE 1356
BELLSOUTH CORP DEFINED 450
BELLSOUTH CORP OTHER 29932
BELLSOUTH CORP OTHER 81424
BELLSOUTH CORP OTHER 1076
BERKSHIRE HATHAWAY INC SOLE 114
BESTFOODS INC SOLE 7568
BESTFOODS INC OTHER 2242
BESTFOODS INC OTHER 800
BLACK & DECKER SOLE 4468
BLACK & DECKER OTHER 160
BOEING CO SOLE 4309
BOEING CO OTHER 19188
BOEING CO OTHER 29225
BOEING CO OTHER 520
BRISTOL MYERS SQUIBB SOLE 40813
BRISTOL MYERS SQUIBB SOLE 400
BRISTOL MYERS SQUIBB OTHER 37490
BRISTOL MYERS SQUIBB OTHER 20968
BRISTOL MYERS SQUIBB OTHER 400
BURR OAK TOOL & GAUGE CO SOLE 2530
CBS CORP SOLE 2891
CBS CORP OTHER 1050
CMS ENERGY CORP SOLE 7135
CMS ENERGY CORP SOLE 100
CMS ENERGY CORP DEFINED 100
CMS ENERGY CORP OTHER 3208
CMS ENERGY CORP OTHER 1013
CMS ENERGY CORP OTHER 1146
CSX CORP SOLE 356
CSX CORP OTHER 6423
CSX CORP OTHER 800
CAROLINA PWR & LT CO SOLE 980
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 19660
CHASE MANHATTAN CORP NEW OTHER 3175
CHEVRON CORP SOLE 14154
CHEVRON CORP DEFINED 200
CHEVRON CORP OTHER 8140
CHEVRON CORP OTHER 320
CHEVRON CORP OTHER 240
CISCO SYS INC SOLE 33713
CISCO SYS INC DEFINED 280
CISCO SYS INC OTHER 16199
CISCO SYS INC OTHER 796
CISCO SYS INC OTHER 2750
CITIGROUP INC SOLE 28471
CITIGROUP INC OTHER 10227
CITIZENS BKG CORP SOLE 841103
CITIZENS BKG CORP SOLE 450
CITIZENS BKG CORP SOLE 54424
CITIZENS BKG CORP DEFINED 485
CITIZENS BKG CORP DEFINED 8000
CITIZENS BKG CORP OTHER 408510
CITIZENS BKG CORP OTHER 69190
CITIZENS BKG CORP OTHER 64252
COASTAL CORP SOLE 31920
COCA-COLA CO SOLE 22388
COCA-COLA CO SOLE 200
COCA-COLA CO DEFINED 400
COCA-COLA CO OTHER 22911
COCA-COLA CO OTHER 200
COLGATE PALMOLIVE CO SOLE 13250
COLGATE PALMOLIVE CO OTHER 3704
COMERICA INC SOLE 13163
COMERICA INC OTHER 15276
COMERICA INC OTHER 2055
COMMERCIAL NATL FINL CORP SOLE 17953
COMMERCIAL NATL FINL CORP SOLE 13948
COMMERCIAL NATL FINL CORP OTHER 45540
COMMUNITY BANCORP INC OTHER 3475
COMPAQ COMPUTER CORP SOLE 7200
COMPAQ COMPUTER CORP OTHER 3120
COMPAQ COMPUTER CORP OTHER 100
CONEXANT SYSTEMS INC SOLE 1990
CONEXANT SYSTEMS INC OTHER 3360
CONOCO INC SOLE 13400
COOPER INDUSTRIES INC SOLE 150
COOPER INDUSTRIES INC DEFINED 8484
COOPER INDUSTRIES INC OTHER 4100
DTE ENERGY COMPANY SOLE 3468
DTE ENERGY COMPANY OTHER 17244
DTE ENERGY COMPANY OTHER 10000
DTE ENERGY COMPANY OTHER 2000
DAYTON HUDSON CORP SOLE 46552
DAYTON HUDSON CORP OTHER 22705
DAYTON HUDSON CORP OTHER 1600
DELL COMPUTER SOLE 19175
DELL COMPUTER OTHER 1850
DELL COMPUTER OTHER 2000
DELPHI AUTOMOTIVE SYS CORP SOLE 26090
DELPHI AUTOMOTIVE SYS CORP DEFINED 419
DELPHI AUTOMOTIVE SYS CORP OTHER 28158
DELPHI AUTOMOTIVE SYS CORP OTHER 141043
DELPHI AUTOMOTIVE SYS CORP OTHER 8361
DENNOS FURNITURE INC OTHER 7996
DISNEY WALT CO SOLE 53299
DISNEY WALT CO DEFINED 600
DISNEY WALT CO OTHER 19410
DOLLAR GENERAL CORP SOLE 200
DOLLAR GENERAL CORP OTHER 17775
DOMINION RESOURCES INC OTHER 4699
DOMINION RESOURCES INC OTHER 399
DOW CHEMICAL CO SOLE 12131
DOW CHEMICAL CO SOLE 100
DOW CHEMICAL CO DEFINED 200
DOW CHEMICAL CO OTHER 148273
DOW CHEMICAL CO OTHER 200
DOW CHEMICAL CO OTHER 2676
DU PONT E I DE NEMOURS & CO SOLE 12496
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 16830
DU PONT E I DE NEMOURS & CO OTHER 3200
DUFF & PHELPS UTILS INCOME INC SOLE 405
DUFF & PHELPS UTILS INCOME INC OTHER 606
DUFF & PHELPS UTILS INCOME INC OTHER 10000
EASTMAN KODAK CO SOLE 4990
EASTMAN KODAK CO SOLE 150
EASTMAN KODAK CO DEFINED 200
EASTMAN KODAK CO OTHER 10724
EASTMAN KODAK CO OTHER 5775
EDISON INTL SOLE 2800
EDISON INTL OTHER 17376
ELECTRONIC DATA SYSTEMS CORP SOLE 11023
ELECTRONIC DATA SYSTEMS CORP OTHER 8672
ELECTRONIC DATA SYSTEMS CORP OTHER 214520
ELECTRONIC DATA SYSTEMS CORP OTHER 7652
EMERSON ELECTRIC CO SOLE 30472
EMERSON ELECTRIC CO OTHER 8215
EMERSON ELECTRIC CO OTHER 2600
ENRON CORP SOLE 6000
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 MOBIL CORP SOLE 189885
EXXON MOBIL CORP SOLE 400
EXXON MOBIL CORP SOLE 625
EXXON MOBIL CORP DEFINED 600
EXXON MOBIL CORP DEFINED 400
EXXON MOBIL CORP OTHER 131789
EXXON MOBIL CORP OTHER 11450
EXXON MOBIL CORP OTHER 4828
FPL GROUP INC SOLE 2870
FPL GROUP INC OTHER 4800
FNMA SOLE 18365
FNMA OTHER 4500
FNMA OTHER 1653
FNMA OTHER 800
FENTURA BANCORP INC SOLE 32318
FENTURA BANCORP INC OTHER 11258
FIRST DATA CORP SOLE 18208
FIRST DATA CORP OTHER 712
FIRST DATA CORP OTHER 605
FIRST UNION CORP SOLE 38261
FIRST UNION CORP OTHER 6220
FIRST UNION CORP OTHER 900
FIRST UNION CORP OTHER 1200
FLA PROGRESS CO OTHER 1650
FLA PROGRESS CO OTHER 15000
FORD MOTOR CO SOLE 33588
FORD MOTOR CO OTHER 13790
FORD MOTOR CO OTHER 9452
FORTUNE BRANDS INC SOLE 3000
FORTUNE BRANDS INC OTHER 5832
GM3S, INC OTHER 10000
GTE CORP SOLE 29883
GTE CORP DEFINED 180
GTE CORP OTHER 18625
GTE CORP OTHER 100
GTE CORP OTHER 4196
GANNETT INC SOLE 6328
GANNETT INC OTHER 2192
GENERAL ELECTRIC CO SOLE 186524
GENERAL ELECTRIC CO SOLE 200
GENERAL ELECTRIC CO SOLE 1516
GENERAL ELECTRIC CO DEFINED 145
GENERAL ELECTRIC CO DEFINED 400
GENERAL ELECTRIC CO OTHER 93593
GENERAL ELECTRIC CO OTHER 47496
GENERAL ELECTRIC CO OTHER 5150
GENERAL HOUSING CORP SOLE 7841
GENERAL MILLS INC SOLE 16200
GENERAL MILLS INC SOLE 250
GENERAL MILLS INC OTHER 7000
GENERAL MILLS INC OTHER 3400
GENERAL MOTORS CORP SOLE 47702
GENERAL MOTORS CORP DEFINED 600
GENERAL MOTORS CORP DEFINED 200
GENERAL MOTORS CORP OTHER 39850
GENERAL MOTORS CORP OTHER 202556
GENERAL MOTORS CORP OTHER 8883
GENERAL MOTORS CORP SOLE 748
GENERAL MOTORS CORP OTHER 1562
GENERAL MOTORS CORP OTHER 53710
GENERAL MOTORS CORP OTHER 1988
GEORGIA PAC CORP SOLE 13795
GEORGIA PAC CORP OTHER 1000
GEORGIA PAC CORP OTHER 400
GILLETTE CO SOLE 16477
GILLETTE CO OTHER 895
HEWLETT PACKARD SOLE 18362
HEWLETT PACKARD OTHER 7660
HEWLETT PACKARD OTHER 500
HEWLETT PACKARD OTHER 600
HOME DEPOT INC SOLE 42018
HOME DEPOT INC SOLE 300
HOME DEPOT INC OTHER 15124
HOME DEPOT INC OTHER 450
HONEYWELL INTL INC SOLE 3851
HONEYWELL INTL INC OTHER 5477
HONEYWELL INTL INC OTHER 400
HOOPER HILL FARMS, INC OTHER 429
HUNTINGTON BANCSHARES SOLE 27130
HUNTINGTON BANCSHARES OTHER 1316
IMC MORTGAGE CO OTHER 10000
IMS HEALTH INC SOLE 8171
IMS HEALTH INC SOLE 200
IMS HEALTH INC OTHER 6094
INDEPENDENT BK CORP MICH SOLE 11254
INDEPENDENT BK CORP MICH OTHER 2520
INDUSTRIAL STL SOLE 12000
INTEL CORP SOLE 132567
INTEL CORP SOLE 368
INTEL CORP OTHER 46213
INTEL CORP OTHER 888
INTEL CORP OTHER 6400
IBM CORP SOLE 46650
IBM CORP SOLE 200
IBM CORP DEFINED 800
IBM CORP OTHER 12040
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 29966
JOHNSON & JOHNSON SOLE 200
JOHNSON & JOHNSON DEFINED 400
JOHNSON & JOHNSON OTHER 12915
JOHNSON & JOHNSON OTHER 1300
JOHNSON & JOHNSON OTHER 600
K MART CORP F/S S KRESGE CO SOLE 7185
K MART CORP F/S S KRESGE CO OTHER 11486
K MART CORP F/S S KRESGE CO OTHER 1400
KELLOGG CO SOLE 10286
KELLOGG CO OTHER 6415
KEYCORP NEW SOLE 11540
KEYCORP NEW OTHER 200
KEYCORP NEW OTHER 392
KIMBERLY CLARK CORP SOLE 39186
KIMBERLY CLARK CORP OTHER 6420
KIMBERLY CLARK CORP OTHER 600
KIMBERLY CLARK CORP OTHER 600
LAKE PAINTING INC SOLE 84000
LEHMAN BROTHERS HLDGS INC SOLE 11900
LEHMAN BROTHERS HLDGS INC OTHER 80
LEHMAN BROTHERS HLDGS INC OTHER 1000
LILLY ELI & CO SOLE 1125
LILLY ELI & CO OTHER 1884
LILLY ELI & CO OTHER 10000
LOCKHEED MARTIN CORP SOLE 4666
LOCKHEED MARTIN CORP OTHER 8698
LOCKHEED MARTIN CORP OTHER 6520
LUCENT TECHNOLOGIES INC SOLE 88467
LUCENT TECHNOLOGIES INC SOLE 548
LUCENT TECHNOLOGIES INC SOLE 414
LUCENT TECHNOLOGIES INC DEFINED 498
LUCENT TECHNOLOGIES INC DEFINED 500
LUCENT TECHNOLOGIES INC OTHER 45741
LUCENT TECHNOLOGIES INC OTHER 62172
LUCENT TECHNOLOGIES INC OTHER 3833
MCI WORLDCOM INC SOLE 27506
MCI WORLDCOM INC OTHER 2806
MCI WORLDCOM INC OTHER 354
MCI WORLDCOM INC OTHER 274
MACDONALD BROADCASTING CO OTHER 1614
MAHAR TOOL SUPPLY CO OTHER 520
MANDALAY RESORT GROUP SOLE 19805
MANULIFE FINL CORP SOLE 14001
MANULIFE FINL CORP DEFINED 886
MANULIFE FINL CORP OTHER 2496
MANULIFE FINL CORP DEF/OTH 2887
MARSH & MCLENNAN SOLE 5078
MARSH & MCLENNAN SOLE 300
MAY DEPARTMENT STORES SOLE 8850
MAY DEPARTMENT STORES OTHER 4122
MCDONALDS CORP SOLE 51651
MCDONALDS CORP DEFINED 400
MCDONALDS CORP OTHER 14436
MCDONALDS CORP OTHER 400
MCDONALDS CORP OTHER 13800
MCDONALDS CORP SOLE 1400
MCDONALDS CORP OTHER 13800
MEDIAONE GROUP INC SOLE 79918
MEDIAONE GROUP INC DEFINED 200
MEDIAONE GROUP INC OTHER 686
MEDIAONE GROUP INC OTHER 17784
MEDIAONE GROUP INC OTHER 240
MEDTRONIC SOLE 139802
MEDTRONIC SOLE 664
MEDTRONIC OTHER 6980
MEDTRONIC OTHER 1560
MEDTRONIC OTHER 2000
MERCK & CO INC SOLE 152033
MERCK & CO INC SOLE 400
MERCK & CO INC DEFINED 400
MERCK & CO INC OTHER 41493
MERCK & CO INC OTHER 39613
MERCK & CO INC OTHER 4000
MERRILL LYNCH & CO INC SOLE 3224
MERRILL LYNCH & CO INC OTHER 950
MICROSOFT CORP SOLE 131285
MICROSOFT CORP OTHER 63008
MICROSOFT CORP OTHER 6395
MICROSOFT CORP OTHER 800
MICHIGAN SEAT COMPANY OTHER 27800
MIDAMERICAN ENERGY HLDGS CO NEW SOLE 14265
MILLER TOOL & DIE CO SOLE 15330
MINNESOTA MINING & MFG CO SOLE 13003
MINNESOTA MINING & MFG CO DEFINED 200
MINNESOTA MINING & MFG CO OTHER 16453
MINNESOTA MINING & MFG CO OTHER 1900
MONSANTO CO SOLE 23880
MONSANTO CO SOLE 575
MONSANTO CO OTHER 26980
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 1337
MORGAN STANLEY DEAN WITTER & CO OTHER 672
MOTOROLA INC SOLE 1000
MOTOROLA INC OTHER 750
MOTOROLA INC OTHER 100
NATIONAL CITY CORP SOLE 14820
NATIONAL CITY CORP OTHER 21670
NEWELL RUBBERMAID INC SOLE 20486
NEWELL RUBBERMAID INC OTHER 2358
NEWELL RUBBERMAID INC OTHER 200
NORFOLK SOUTHERN CORP SOLE 8240
NORFOLK SOUTHERN CORP SOLE 300
NORFOLK SOUTHERN CORP OTHER 3720
NORTEL NETWORKS CORP SOLE 600
NORTEL NETWORKS CORP OTHER 5600
OGE ENERGY CORP SOLE 200
OGE ENERGY CORP OTHER 1540
OGE ENERGY CORP OTHER 20000
OLD KENT FINANCIAL CORP SOLE 2870
OLD KENT FINANCIAL CORP OTHER 8123
OLD KENT FINANCIAL CORP OTHER 1102
ORACLE CORP SOLE 4165
ORACLE CORP OTHER 150
P P & L RES INC SOLE 1899
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 2925
PENNEY J C INC SOLE 100
PENNEY J C INC OTHER 6734
PENNEY J C INC OTHER 5000
PENNEY J C INC OTHER 1000
PENNZOIL-QUAKER ST CO SOLE 238
PENNZOIL-QUAKER ST CO OTHER 10000
PEPSICO INC SOLE 60373
PEPSICO INC DEFINED 355
PEPSICO INC OTHER 20426
PEPSICO INC OTHER 1472
PEPSICO INC OTHER 1334
PERRY PRINTING COMPANY PFD SOLE 641058
PHARMACIA & UPJOHN INC SOLE 903
PHARMACIA & UPJOHN INC OTHER 5168
PFIZER INC SOLE 181438
PFIZER INC OTHER 91356
PFIZER INC OTHER 9000
PFIZER INC OTHER 2400
PHILIP MORRIS COS INC SOLE 84621
PHILIP MORRIS COS INC SOLE 4800
PHILIP MORRIS COS INC OTHER 45649
PHILIP MORRIS COS INC OTHER 3476
PHILLIPS PETROLEUM CO SOLE 4761
PHILLIPS PETROLEUM CO SOLE 354
PHILLIPS PETROLEUM CO OTHER 60
PITNEY BOWES SOLE 700
PITNEY BOWES OTHER 10464
PITNEY BOWES OTHER 400
PROCTER & GAMBLE CO SOLE 65385
PROCTER & GAMBLE CO DEFINED 400
PROCTER & GAMBLE CO OTHER 24790
PROCTER & GAMBLE CO OTHER 10464
QUAKER OATS CO SOLE 2896
QUAKER OATS CO OTHER 772
RAYTHEON CO SOLE 744
RAYTHEON CO DEFINED 38
RAYTHEON CO OTHER 2318
RAYTHEON CO OTHER 43013
RAYTHEON CO OTHER 2086
RAYTHEON CO SOLE 7405
RAYTHEON CO SOLE 300
RAYTHEON CO OTHER 3266
REMER PLUMBING AND HEATING INC OTHER 2560
RELIANT ENERGY INC SOLE 3516
RELIANT ENERGY INC OTHER 701
RELIANT ENERGY INC OTHER 5000
RELIANT ENERGY INC OTHER 1000
REYNOLDS & REYNOLDS CO SOLE 14200
ROCKWELL INTL CORP NEW SOLE 1992
ROCKWELL INTL CORP NEW OTHER 4114
ROYAL DUTCH PETROLEUM CO SOLE 39700
ROYAL DUTCH PETROLEUM CO OTHER 11265
SBC COMMUNICATIONS INC SOLE 127802
SBC COMMUNICATIONS INC SOLE 1765
SBC COMMUNICATIONS INC SOLE 789
SBC COMMUNICATIONS INC DEFINED 686
SBC COMMUNICATIONS INC OTHER 44921
SBC COMMUNICATIONS INC OTHER 159099
SBC COMMUNICATIONS INC OTHER 3743
SPX CORP SOLE 4766
SAFEWAY INC SOLE 19142
SAFEWAY INC OTHER 120
SAGINAW ROCK PRODUCTS OTHER 15811
SARA LEE CORP SOLE 50180
SARA LEE CORP OTHER 10737
SARA LEE CORP OTHER 1600
SCHERING-PLOUGH CORP SOLE 34874
SCHERING-PLOUGH CORP OTHER 4100
SCHERING-PLOUGH CORP OTHER 300
SCHLUMBERGER LTD SOLE 17342
SCHLUMBERGER LTD OTHER 1550
SCHLUMBERGER LTD OTHER 461
SEARS ROEBUCK & CO SOLE 5287
SEARS ROEBUCK & CO OTHER 2199
SEARS ROEBUCK & CO OTHER 100
SIMPSON INDUSTRIES SOLE 117762
SOLECTRON CORP SOLE 2429
SOUTHERN CO SOLE 5521
SOUTHERN CO OTHER 24799
SOUTHERN CO OTHER 400
SPARTON CORP SOLE 56648
SPRINT CORP SOLE 660
SPRINT CORP OTHER 200
SPRINT CORP OTHER 16556
SPRINT CORP SOLE 7150
SPRINT CORP OTHER 50
SPRINT CORP OTHER 4138
STAR OF THE WEST MILLING CO SOLE 1775
STATE STREET CORP SOLE 10510
STATE STREET CORP OTHER 100
STATE STREET CORP OTHER 1500
SUN MICROSYSTEMS INC SOLE 135800
SUN MICROSYSTEMS INC OTHER 14954
SUN MICROSYSTEMS INC OTHER 120
SUN MICROSYSTEMS INC OTHER 2800
SUNTRUST BKS INC SOLE 7655
SUNTRUST BKS INC OTHER 400
SYSCO CORP SOLE 550
SYSCO CORP OTHER 13850
TECO ENERGY INC OTHER 900
TECO ENERGY INC OTHER 10000
TECO ENERGY INC OTHER 2000
TELEFONICA DE ESPANA SA SOLE 5598
TELEFONOS DE MEXICO SOLE 8010
TELESPHERE COMMUNICATIONS INC SOLE 10000
TEMPLETON FDS INC SOLE 428
TEMPLETON FDS INC OTHER 12660
TEXACO INC SOLE 21377
TEXACO INC SOLE 200
TEXACO INC OTHER 10941
TEXACO INC OTHER 10200
TEXACO INC OTHER 1800
TEXAS UTILITIES SOLE 2400
TEXAS UTILITIES OTHER 2000
TEXAS UTILITIES OTHER 10100
TORO CO SOLE 32126
TRANS-INDUSTRIES INC SOLE 42121
TRUSTCO BANK CORP NY SOLE 11612
TYCO INTL LTD SOLE 16209
TYCO INTL LTD DEFINED 40
TYCO INTL LTD OTHER 900
USX-MARATHON GROUP SOLE 4797
USX-MARATHON GROUP OTHER 3600
USX-MARATHON GROUP OTHER 500
US WEST INC SOLE 10363
US WEST INC OTHER 6975
US WEST INC OTHER 18269
US WEST INC OTHER 246
UNITED TECHNOLOGIES CORP SOLE 45728
UNITED TECHNOLOGIES CORP OTHER 3884
UNITED TECHNOLOGIES CORP OTHER 445
VAN KAMPEN MUNICIPAL OTHER 15900
VAN KAMPEN AMERN CAP SELECT OTHER 17500
VODAFONE AIRTOUCH GROUP PLC SOLE 7155
VODAFONE AIRTOUCH GROUP PLC OTHER 10085
VODAFONE AIRTOUCH GROUP PLC OTHER 45265
VODAFONE AIRTOUCH GROUP PLC OTHER 600
WAL-MART STORES INC SOLE 62398
WAL-MART STORES INC OTHER 22197
WAL-MART STORES INC OTHER 587
WAL-MART STORES INC OTHER 500
WARNER LAMBERT CO SOLE 21444
WARNER LAMBERT CO OTHER 19298
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 25011
XEROX CORP OTHER 21914
XEROX CORP OTHER 1800
XEROX CORP OTHER 600
DAIMLERCHRYSLER AG SOLE 400
DAIMLERCHRYSLER AG OTHER 6522
DAIMLERCHRYSLER AG OTHER 935
GLOBAL CROSSING LTD SOLE 2878
GLOBAL CROSSING LTD DEFINED 14005
</TABLE>
