[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: 09/30/2000
Check here if Amendment [ ] Amendment Number:
This Amendment [ ] is a restatement
[ ] adds new holding entries
Institutional Investment Manager Filing this Report:
Name: CITIZENS BANKING CORPORATION
Address: 101 N WASHINGTON AVE-TRUST DIV
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 integral 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 10/06/2000
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: 411
Form 13F Information Table Value Total: $ 571,362
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 3582 55912 SH
AFLAC CORP COMMON STOCK 001055102 232 3618 SH
A T & T CORP COMMON STOCK 001957109 4046 137733 SH
A T & T CORP COMMON STOCK 001957109 20 690 SH
A T & T CORP COMMON STOCK 001957109 4011 136531 SH
A T & T CAP CORP PREFERRED STOCK 00206J308 262 10500 SH
A T & T CAP CORP PREFERRED STOCK 00206J308 10 400 SH
A T & T CAP CORP PREFERRED STOCK 00206J308 327 13131 SH
ABBOTT LABS COMMON STOCK 002824100 4649 97747 SH
ABBOTT LABS COMMON STOCK 002824100 2239 47068 SH
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 187 3820 SH
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 177 3610 SH
AIMCO RESOURCE INC COMMON STOCK 008999997 294 36700 SH
ALLSTATE CORP COMMON STOCK 020002101 316 9106 SH
ALLSTATE CORP COMMON STOCK 020002101 145 4162 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 73 1360 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 11 200 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 224 4175 SH
AMERICAN ELECTRIC POWER INC COMMON STOCK 025537101 90 2306 SH
AMERICAN ELECTRIC POWER INC COMMON STOCK 025537101 128 3265 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 1832 30154 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 36 600 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 1251 20590 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 3500 61874 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 4931 87179 SH
AMERICAN INTL GROUP INC COMMON STOCK 026874107 8118 84839 SH
AMERICAN INTL GROUP INC COMMON STOCK 026874107 2110 22047 SH
AMGEN INC COMMON STOCK 031162100 499 7150 SH
AMGEN INC COMMON STOCK 031162100 108 1550 SH
ANDRX CORP DEL COMMON STOCK 034553107 374 4000 SH
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 1562 36910 SH
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 372 8800 SH
ANNALY MTG MGMT INC COMMON STOCK 035710409 137 15000 SH
AON CORP COMMON STOCK 037389103 40 1012 SH
AON CORP COMMON STOCK 037389103 327 8321 SH
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 81 9353 SH
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 186 21513 SH
ARROW ELECTRS INC COMMON STOCK 042735100 371 10900 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 224 5893 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 288 7584 SH
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 2657 39726 SH
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 1035 15475 SH
BP AMOCO PLC FOREIGN STOCK 055622104 5658 106755 SH
BP AMOCO PLC FOREIGN STOCK 055622104 15 290 SH
BP AMOCO PLC FOREIGN STOCK 055622104 3599 67898 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 379 7239 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 1040 19850 SH
BANK ONE CORP COMMON STOCK 06423A103 5229 135382 SH
BANK ONE CORP COMMON STOCK 06423A103 1516 39237 SH
BAXTER INTL INC COMMON STOCK 071813109 204 2557 SH
BAXTER INTL INC COMMON STOCK 071813109 497 6231 SH
BELLSOUTH CORP COMMON STOCK 079860102 1770 43972 SH
BELLSOUTH CORP COMMON STOCK 079860102 4654 115615 SH
BERKSHIRE HATHAWAY INC COMMON STOCK 084670207 335 162 SH
BESTFOODS INC COMMON STOCK 08658U101 988 13586 SH
BESTFOODS INC COMMON STOCK 08658U101 121 1666 SH
BOEING CO COMMON STOCK 097023105 966 15334 SH
BOEING CO COMMON STOCK 097023105 2998 47587 SH
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 3059 53556 SH
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 3567 62442 SH
CMS ENERGY CORP COMMON STOCK 125896100 166 6147 SH
CMS ENERGY CORP COMMON STOCK 125896100 140 5215 SH
C P & L ENERGY INC COMMON STOCK 12614C106 12 280 SH
C P & L ENERGY INC COMMON STOCK 12614C106 266 6390 SH
CAPITAL DIRECTIONS, INC COMMON STOCK 140076100 278 7380 SH
CENDANT CORP PREFERRED STOCK 151313301 164 10000 SH
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 931 20167 SH
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 169 3662 SH
CHASE MANHATTAN CORP NEW PREFERRED STOCK 16161A884 74 2735 SH
CHASE MANHATTAN CORP NEW PREFERRED STOCK 16161A884 270 9985 SH
CHEVRON CORP COMMON STOCK 166751107 1222 14330 SH
CHEVRON CORP COMMON STOCK 166751107 17 200 SH
CHEVRON CORP COMMON STOCK 166751107 621 7280 SH
CISCO SYS INC COMMON STOCK 17275R102 3727 67457 SH
CISCO SYS INC COMMON STOCK 17275R102 31 560 SH
CISCO SYS INC COMMON STOCK 17275R102 2653 48021 SH
CITIGROUP INC COMMON STOCK 172967101 2691 49771 SH
CITIGROUP INC COMMON STOCK 172967101 942 17432 SH
CITIGROUP CAP I PREFERRED STOCK 17305F201 17 700 SH
CITIGROUP CAP I PREFERRED STOCK 17305F201 235 9605 SH
CITIZENS BKG CORP COMMON STOCK 174420109 23354 1015376 SH
CITIZENS BKG CORP COMMON STOCK 174420109 195 8485 SH
CITIZENS BKG CORP COMMON STOCK 174420109 17682 768786 SH
COASTAL CORP COMMON STOCK 190441105 1243 16765 SH
COCA-COLA CO COMMON STOCK 191216100 1466 26588 SH
COCA-COLA CO COMMON STOCK 191216100 22 400 SH
COCA-COLA CO COMMON STOCK 191216100 1123 20366 SH
COLGATE PALMOLIVE CO COMMON STOCK 194162103 995 21090 SH
COLGATE PALMOLIVE CO COMMON STOCK 194162103 184 3904 SH
COMERICA INC COMMON STOCK 200340107 824 14105 SH
COMERICA INC COMMON STOCK 200340107 1152 19719 SH
COMMERCIAL NATL FINL CORP COMMON STOCK 202216107 379 30968 SH
COMMERCIAL NATL FINL CORP COMMON STOCK 202216107 490 40031 SH
COMMUNITY BANCORP INC COMMON STOCK 203992995 573 3413 SH
COMPUTER ASSO INTL COMMON STOCK 204912109 189 7500 SH
COMPUTER ASSO INTL COMMON STOCK 204912109 29 1138 SH
COMPUWARE CORP COMMON STOCK 205638109 131 15700 SH
CONOCO INC COMMON STOCK 208251405 838 31105 SH
CONOCO INC COMMON STOCK 208251405 1 50 SH
CONSOLIDATED EDISON INC COMMON STOCK 209115104 285 8354 SH
CONSOLIDATED EDISON INC COMMON STOCK 209115104 144 4224 SH
COOPER INDUSTRIES INC COMMON STOCK 216669101 1205 34191 SH
DTE ENERGY COMPANY COMMON STOCK 233331107 132 3448 SH
DTE ENERGY COMPANY COMMON STOCK 233331107 506 13224 SH
DEERE & CO COMMON STOCK 244199105 130 3900 SH
DEERE & CO COMMON STOCK 244199105 173 5200 SH
DELL COMPUTER COMMON STOCK 247025109 699 22675 SH
DELL COMPUTER COMMON STOCK 247025109 97 3150 SH
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 349 23047 SH
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 6 419 SH
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 2660 175895 SH
DENNOS FURNITURE INC COMMON STOCK 247999105 223 7996 SH
DEVON ENERGY CORP NEW COMMON STOCK 25179M103 8 136 SH
DEVON ENERGY CORP NEW COMMON STOCK 25179M103 269 4475 SH
DISNEY WALT CO COMMON STOCK 254687106 1952 51041 SH
DISNEY WALT CO COMMON STOCK 254687106 23 600 SH
DISNEY WALT CO COMMON STOCK 254687106 813 21248 SH
DOLLAR GENERAL CORP COMMON STOCK 256669102 259 15457 SH
DOMINION RES INC VA NEW COMMON STOCK 25746U109 74 1269 SH
DOMINION RES INC VA NEW COMMON STOCK 25746U109 130 2243 SH
DOW CHEMICAL CO COMMON STOCK 260543103 10311 413458 SH
DOW CHEMICAL CO COMMON STOCK 260543103 15 600 SH
DOW CHEMICAL CO COMMON STOCK 260543103 1629 65311 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 517 12481 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 27 660 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 855 20630 SH
DUFF & PHELPS UTILS INCOME INC COMMON STOCK 264324104 6 606 SH
DUFF & PHELPS UTILS INCOME INC COMMON STOCK 264324104 98 10000 SH
DUKE ENERGY CORP COMMON STOCK 264399106 45 520 SH
DUKE ENERGY CORP COMMON STOCK 264399106 264 3083 SH
EMC CORP COMMON STOCK 268648102 93 935 SH
EMC CORP COMMON STOCK 268648102 109 1100 SH
EASTMAN KODAK CO COMMON STOCK 277461109 115 2810 SH
EASTMAN KODAK CO COMMON STOCK 277461109 8 200 SH
EASTMAN KODAK CO COMMON STOCK 277461109 654 15999 SH
ELECTRONIC DATA SYSTEMS CORP COMMON STOCK 285661104 344 8292 SH
ELECTRONIC DATA SYSTEMS CORP COMMON STOCK 285661104 9630 232054 SH
EMERSON ELECTRIC CO COMMON STOCK 291011104 1807 26970 SH
EMERSON ELECTRIC CO COMMON STOCK 291011104 654 9765 SH
ENRON CORP COMMON STOCK 293561106 1211 13825 SH
ENRON CORP COMMON STOCK 293561106 1544 17625 SH
ERICSSON L M TEL CO FOREIGN STOCK 294821400 360 24336 SH
ERICSSON L M TEL CO FOREIGN STOCK 294821400 166 11200 SH
EXXON MOBIL CORP COMMON STOCK 30231G102 17935 201231 SH
EXXON MOBIL CORP COMMON STOCK 30231G102 89 1000 SH
EXXON MOBIL CORP COMMON STOCK 30231G102 12909 144840 SH
FPL GROUP INC COMMON STOCK 302571104 205 3122 SH
FPL GROUP INC COMMON STOCK 302571104 309 4700 SH
FHLMC COMMON STOCK 313400301 573 10600 SH
FHLMC COMMON STOCK 313400301 65 1200 SH
FNMA COMMON STOCK 313586109 1261 17630 SH
FNMA COMMON STOCK 313586109 572 8003 SH
FENTURA BANCORP INC COMMON STOCK 314645102 886 35981 SH
FENTURA BANCORP INC COMMON STOCK 314645102 333 13509 SH
FIRST DATA CORP COMMON STOCK 319963104 392 10036 SH
FIRST DATA CORP COMMON STOCK 319963104 24 605 SH
THE FIRST NATIONAL BANK COMMON STOCK 324444447 564 1800 SH
FIRST UNION CORP COMMON STOCK 337358105 1014 31495 SH
FIRST UNION CORP COMMON STOCK 337358105 181 5620 SH
FIRSTAR CORP NEW WIS COMMON STOCK 33763V109 51 2289 SH
FIRSTAR CORP NEW WIS COMMON STOCK 33763V109 271 12128 SH
FLEET BOSTON FINANCIAL CORP COMMON STOCK 339030108 320 8200 SH
FLA PROGRESS CO COMMON STOCK 341109106 934 17650 SH
FORD MOTOR CO COMMON STOCK 345370860 517 20409 SH
FORD MOTOR CO COMMON STOCK 345370860 523 20658 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 97 3648 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 128 4832 SH
GM3S, INC COMMON STOCK 361899990 0 10000 SH
GANNETT INC COMMON STOCK 364730101 216 4068 SH
GANNETT INC COMMON STOCK 364730101 116 2192 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 32911 570511 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 94 1635 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 24802 429944 SH
GENERAL HOUSING CORP COMMON STOCK 369777776 3332 7841 SH
GENERAL MILLS INC COMMON STOCK 370334104 142 3992 SH
GENERAL MILLS INC COMMON STOCK 370334104 334 9400 SH
GENERAL MOTORS CORP COMMON STOCK 370442105 2659 40900 SH
GENERAL MOTORS CORP COMMON STOCK 370442105 52 800 SH
GENERAL MOTORS CORP COMMON STOCK 370442105 15978 245820 SH
GENERAL MOTORS CORP COMMON STOCK 370442832 460 12371 SH
GENERAL MOTORS CORP COMMON STOCK 370442832 6708 180429 SH
GENZYME CORP COMMON STOCK 372917104 327 4800 SH
GEORGIA PAC CORP COMMON STOCK 373298108 475 20205 SH
GEORGIA PAC CORP COMMON STOCK 373298108 33 1400 SH
GILLETTE CO COMMON STOCK 375766102 301 9743 SH
GILLETTE CO COMMON STOCK 375766102 13 435 SH
HARRAH'S ENTERTAINMENT INC COMMON STOCK 413619107 374 13600 SH
HARRAH'S ENTERTAINMENT INC COMMON STOCK 413619107 8 300 SH
HEINZ HJ COMMON STOCK 423074103 431 11616 SH
HEINZ HJ COMMON STOCK 423074103 72 1950 SH
HEWLETT PACKARD COMMON STOCK 428236103 1301 13414 SH
HEWLETT PACKARD COMMON STOCK 428236103 833 8585 SH
HOME DEPOT INC COMMON STOCK 437076102 3313 62436 SH
HOME DEPOT INC COMMON STOCK 437076102 5 100 SH
HOME DEPOT INC COMMON STOCK 437076102 1435 27045 SH
HON IND INC COMMON STOCK 438092108 343 13940 SH
HONEYWELL INTL INC COMMON STOCK 438516106 96 2681 SH
HONEYWELL INTL INC COMMON STOCK 438516106 207 5797 SH
HOOPER HILL FARMS, INC COMMON STOCK 438888885 257 429 SH
HUNTINGTON BANCSHARES COMMON STOCK 446150104 463 31515 SH
HUNTINGTON BANCSHARES COMMON STOCK 446150104 21 1447 SH
INDUSTRIAL STL COMMON STOCK 4563459A7 480 12000 SH
INTEL CORP COMMON STOCK 458140100 11175 268877 SH
INTEL CORP COMMON STOCK 458140100 4105 98773 SH
IBM CORP COMMON STOCK 459200101 5772 51308 SH
IBM CORP COMMON STOCK 459200101 90 800 SH
IBM CORP COMMON STOCK 459200101 4227 37570 SH
INTERNATIONAL PAPER CO COMMON STOCK 460146103 11 400 SH
INTERNATIONAL PAPER CO COMMON STOCK 460146103 261 9094 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 2350 25020 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 38 400 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 1331 14165 SH
JOHNSON CONTROLS COMMON STOCK 478366107 1085 20400 SH
KELLOGG CO COMMON STOCK 487836108 169 6996 SH
KELLOGG CO COMMON STOCK 487836108 138 5700 SH
KIMBERLY CLARK CORP COMMON STOCK 494368103 1999 35814 SH
KIMBERLY CLARK CORP COMMON STOCK 494368103 459 8220 SH
KROGER CO COMMON STOCK 501044101 242 10740 SH
LAIDLAW INC FOREIGN STOCK 50730K503 3 10000 SH
LEHMAN BROTHERS HLDGS INC COMMON STOCK 524908100 1114 7540 SH
LEHMAN BROTHERS HLDGS INC COMMON STOCK 524908100 148 1000 SH
LEXMARK INTL GRP INC COMMON STOCK 529771107 265 7055 SH
LILLY ELI & CO COMMON STOCK 532457108 92 1135 SH
LILLY ELI & CO COMMON STOCK 532457108 964 11884 SH
LOCKHEED MARTIN CORP COMMON STOCK 539830109 309 9390 SH
LOCKHEED MARTIN CORP COMMON STOCK 539830109 330 10020 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 3122 102136 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 26 836 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 3345 109462 SH
MCI CAP I PREFERRED STOCK 55267Y206 80 3390 SH
MCI CAP I PREFERRED STOCK 55267Y206 264 11200 SH
MAHAR TOOL SUPPLY CO COMMON STOCK 558997102 1012 520 SH
MANULIFE FINL CORP FOREIGN STOCK 56501R106 471 22704 SH
MANULIFE FINL CORP FOREIGN STOCK 56501R106 52 2496 SH
MANULIFE FINL CORP FOREIGN STOCK 56501R106 60 2887 SH
MARSH & MCLENNAN COMMON STOCK 571748102 594 4472 SH
MCDONALDS CORP COMMON STOCK 580135101 1850 61287 SH
MCDONALDS CORP COMMON STOCK 580135101 12 400 SH
MCDONALDS CORP COMMON STOCK 580135101 536 17752 SH
MCDONALDS CORP PREFERRED STOCK 580135804 330 13800 SH
MCDONALDS CORP PREFERRED STOCK 580135887 55 2290 SH
MCDONALDS CORP PREFERRED STOCK 580135887 331 13800 SH
MEDTRONIC COMMON STOCK 585055106 5946 114769 SH
MEDTRONIC COMMON STOCK 585055106 512 9885 SH
MERCK & CO INC COMMON STOCK 589331107 10306 138445 SH
MERCK & CO INC COMMON STOCK 589331107 30 400 SH
MERCK & CO INC COMMON STOCK 589331107 5710 76711 SH
MERRILL LYNCH PDS CAP TR 1 PREFERRED STOCK 589977206 65 2700 SH
MERRILL LYNCH PDS CAP TR 1 PREFERRED STOCK 589977206 310 12798 SH
MICROSOFT CORP COMMON STOCK 594918104 7846 130086 SH
MICROSOFT CORP COMMON STOCK 594918104 3972 65850 SH
MICHIGAN SEAT COMPANY COMMON STOCK 594999997 782 27800 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 1476 16197 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 18 200 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 1554 17053 SH
MORAINE LAND CO COMMON STOCK 615999109 0 13500 SH
MORGAN J P & CO COMMON STOCK 616880100 74 450 SH
MORGAN J P & CO COMMON STOCK 616880100 208 1275 SH
MORGAN STANLEY DEAN WITTER & CO COMMON STOCK 617446448 296 3242 SH
MORGAN STANLEY DEAN WITTER & CO COMMON STOCK 617446448 196 2140 SH
MOTOROLA INC COMMON STOCK 620076109 687 24310 SH
MOTOROLA INC COMMON STOCK 620076109 243 8615 SH
NATIONAL CITY CORP COMMON STOCK 635405103 300 13552 SH
NATIONAL CITY CORP COMMON STOCK 635405103 593 26810 SH
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 122 8340 SH
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 54 3720 SH
NORTEL NETWORKS CORP NEW FOREIGN STOCK 656568102 42 700 SH
NORTEL NETWORKS CORP NEW FOREIGN STOCK 656568102 655 11000 SH
OGE ENERGY CORP COMMON STOCK 670837103 459 21540 SH
OLD KENT FINANCIAL CORP COMMON STOCK 679833103 122 4213 SH
OLD KENT FINANCIAL CORP COMMON STOCK 679833103 238 8221 SH
OLD REPUBLIC INTL CORP COMMON STOCK 680223104 831 34537 SH
OLD REPUBLIC INTL CORP COMMON STOCK 680223104 48 1980 SH
ORACLE CORP COMMON STOCK 68389X105 1618 20540 SH
ORACLE CORP COMMON STOCK 68389X105 16 200 SH
ORACLE CORP COMMON STOCK 68389X105 299 3801 SH
PE CORP COMMON STOCK 69332S102 233 2000 SH
PPL CORP COMMON STOCK 69351T106 33 800 SH
PPL CORP COMMON STOCK 69351T106 596 14276 SH
PALM INC COMMON STOCK 696642107 333 6291 SH
PALM INC COMMON STOCK 696642107 4 74 SH
PATTERSON ENERGY INC COMMON STOCK 703414102 258 7500 SH
PAXSON OIL COMPANY COMMON STOCK 704444447 1271 1111 SH
PENNZOIL-QUAKER ST CO COMMON STOCK 709323109 2 238 SH
PENNZOIL-QUAKER ST CO COMMON STOCK 709323109 105 10000 SH
PEPSICO INC COMMON STOCK 713448108 2951 64150 SH
PEPSICO INC COMMON STOCK 713448108 16 355 SH
PEPSICO INC COMMON STOCK 713448108 1071 23292 SH
PERRY PRINTING COMPANY PFD PREFERRED STOCK 714622222 3205 641058 SH
PFIZER INC COMMON STOCK 717081103 11592 257958 SH
PFIZER INC COMMON STOCK 717081103 7572 168496 SH
PHARMACIA CORP COMMON STOCK 71713U102 2545 42288 SH
PHARMACIA CORP COMMON STOCK 71713U102 8693 144434 SH
PHILIP MORRIS COS INC COMMON STOCK 718154107 430 14600 SH
PHILIP MORRIS COS INC COMMON STOCK 718154107 612 20787 SH
PHOENIX INTL LTD INC COMMON STOCK 719078107 886 287994 SH
PITNEY BOWES COMMON STOCK 724479100 20 500 SH
PITNEY BOWES COMMON STOCK 724479100 428 10864 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 3521 52552 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 27 400 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 2683 40049 SH
QUAKER OATS CO COMMON STOCK 747402105 947 11971 SH
QUAKER OATS CO COMMON STOCK 747402105 69 872 SH
QWEST COMMUNICATIONS INTL INC COMMON STOCK 749121109 1138 23681 SH
QWEST COMMUNICATIONS INTL INC COMMON STOCK 749121109 2193 45630 SH
RAYTHEON CO COMMON STOCK 755111309 18 670 SH
RAYTHEON CO COMMON STOCK 755111309 1 38 SH
RAYTHEON CO COMMON STOCK 755111309 929 33944 SH
REMER PLUMBING AND HEATING INC PREFERRED STOCK 759466998 256 2560 SH
RELIANT ENERGY INC COMMON STOCK 75952J108 632 13586 SH
RELIANT ENERGY INC COMMON STOCK 75952J108 303 6526 SH
ROYAL DUTCH PETROLEUM CO FOREIGN STOCK 780257804 2195 36618 SH
ROYAL DUTCH PETROLEUM CO FOREIGN STOCK 780257804 660 11015 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 6684 133678 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 19 386 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 10482 209641 SH
SPX CORP COMMON STOCK 784635104 676 4766 SH
SAFEWAY INC COMMON STOCK 786514208 957 20503 SH
SAFEWAY INC COMMON STOCK 786514208 6 120 SH
SAGINAW ROCK PRODUCTS COMMON STOCK 786999102 470 12839 SH
SANI-TECH INDS INC COMMON STOCK 801017104 0 50000 SH
SARA LEE CORP COMMON STOCK 803111103 976 48027 SH
SARA LEE CORP COMMON STOCK 803111103 212 10437 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 1097 23587 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 284 6100 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 1254 15239 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 174 2111 SH
SEARS ROEBUCK & CO COMMON STOCK 812387108 161 4972 SH
SEARS ROEBUCK & CO COMMON STOCK 812387108 71 2178 SH
SIMPSON INDUSTRIES COMMON STOCK 829060102 1028 83915 SH
SOLECTRON CORP COMMON STOCK 834182107 224 4858 SH
SOLUTIA INC COMMON STOCK 834376105 18 1546 SH
SOLUTIA INC COMMON STOCK 834376105 318 27949 SH
SOUTHERN CO COMMON STOCK 842587107 392 12084 SH
SOUTHERN CO COMMON STOCK 842587107 651 20075 SH
SPRINT CORP COMMON STOCK 852061100 348 11860 SH
SPRINT CORP COMMON STOCK 852061100 403 13756 SH
SPRINT CORP COMMON STOCK 852061506 407 11595 SH
SPRINT CORP COMMON STOCK 852061506 241 6876 SH
STAR OF THE WEST MILLING CO COMMON STOCK 855159992 328 1775 SH
STATE STREET CORP COMMON STOCK 857477103 910 6997 SH
STATE STREET CORP COMMON STOCK 857477103 156 1200 SH
SUN MICROSYSTEMS INC COMMON STOCK 866810104 13160 112720 SH
SUN MICROSYSTEMS INC COMMON STOCK 866810104 2180 18670 SH
SYSCO CORP COMMON STOCK 871829107 25 530 SH
SYSCO CORP COMMON STOCK 871829107 533 11500 SH
TECO ENERGY INC COMMON STOCK 872375100 368 12800 SH
TXU CORP COMMON STOCK 873168108 114 2872 SH
TXU CORP COMMON STOCK 873168108 440 11100 SH
TARGET CORP COMMON STOCK 87612E106 2296 89614 SH
TARGET CORP COMMON STOCK 87612E106 1021 39830 SH
TELEFONOS DE MEXICO FOREIGN STOCK 879403780 789 14830 SH
TELEFONOS DE MEXICO FOREIGN STOCK 879403780 30 570 SH
TELLABS INC COMMON STOCK 879664100 781 16349 SH
TELLABS INC COMMON STOCK 879664100 62 1297 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 554 10552 SH
TEXACO INC COMMON STOCK 881694103 1261 24019 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 175 3710 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 113 2390 SH
TEXTRON CAP I PREFERRED STOCK 883198202 27 1150 SH
TEXTRON CAP I PREFERRED STOCK 883198202 243 10250 SH
TORO CO COMMON STOCK 891092108 980 31126 SH
TRANS-INDUSTRIES INC COMMON STOCK 893239103 132 42121 SH
TRANS-FORM, LTD COMMON STOCK 893333336 33 6605 SH
TRANS-FORM, LTD COMMON STOCK 893333336 25 5000 SH
TRI-CONTINENTAL CORP COMMON STOCK 895436103 342 13075 SH
TRI-CONTINENTAL CORP COMMON STOCK 895436103 110 4210 SH
TRUSTCO BANK CORP NY COMMON STOCK 898349105 23 1866 SH
TRUSTCO BANK CORP NY COMMON STOCK 898349105 120 9746 SH
TYCO INTL LTD COMMON STOCK 902124106 906 17471 SH
TYCO INTL LTD COMMON STOCK 902124106 109 2100 SH
USX-MARATHON GROUP COMMON STOCK 902905827 266 9370 SH
USX-MARATHON GROUP COMMON STOCK 902905827 119 4200 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 3074 44385 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 442 6379 SH
VAN KAMPEN MUNICIPAL MUTUAL FUNDS - 920944105 192 15900 SH
VAN KAMPEN AMERN CAP SELECT MUTUAL FUNDS - 92112M103 195 17500 SH
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 4020 82987 SH
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 5400 111477 SH
VIACOM INC COMMON STOCK 925524308 266 4546 SH
VIACOM INC COMMON STOCK 925524308 80 1364 SH
VODAFONE GROUP PLC NEW FOREIGN STOCK 92857W100 293 7915 SH
VODAFONE GROUP PLC NEW FOREIGN STOCK 92857W100 2130 57575 SH
WAL-MART STORES INC COMMON STOCK 931142103 3313 68838 SH
WAL-MART STORES INC COMMON STOCK 931142103 5 100 SH
WAL-MART STORES INC COMMON STOCK 931142103 1405 29193 SH
WALGREEN CO COMMON STOCK 931422109 164 4315 SH
WALGREEN CO COMMON STOCK 931422109 755 19895 SH
WASTE MGMT INC DEL COMMON STOCK 94106L109 256 14675 SH
WASTE MGMT INC DEL COMMON STOCK 94106L109 37 2127 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 1362 29648 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 853 18559 SH
WEYERHAEUSER CO COMMON STOCK 962166104 5 125 SH
WEYERHAEUSER CO COMMON STOCK 962166104 1065 26376 SH
WILIAN HOLDING COMPANY COMMON STOCK 969000009 76 6605 SH
WILIAN HOLDING COMPANY COMMON STOCK 969000009 57 5000 SH
WORLDCOM INC GA NEW COMMON STOCK 98157D106 1372 45160 SH
WORLDCOM INC GA NEW COMMON STOCK 98157D106 255 8397 SH
XCEL ENERGY INC COMMON STOCK 98389B100 474 17222 SH
XCEL ENERGY INC COMMON STOCK 98389B100 143 5198 SH
XEROX CORP COMMON STOCK 984121103 261 17328 SH
XEROX CORP COMMON STOCK 984121103 177 11760 SH
DAIMLERCHRYSLER AG FOREIGN STOCK D1668R123 7 147 SH
DAIMLERCHRYSLER AG FOREIGN STOCK D1668R123 330 7426 SH
ACE LIMITED FOREIGN STOCK G0070K103 255 6500 SH
ANNUITY AND LIFE RE HLDGS FOREIGN STOCK G03910109 222 9200 SH
GLOBAL CROSSING LTD FOREIGN STOCK G3921A100 89 2878 SH
GLOBAL CROSSING LTD FOREIGN STOCK G3921A100 440 14205 SH
NAME OF ISSUER INVSTMT OTHER VOTING AUTHORITY
SECURITY NAME DISCRTN MANAGERS SOLE SHARED NONE
AFLAC CORP SOLE 55912
AFLAC CORP OTHER 3043
AFLAC CORP OTHER 575
A T & T CORP SOLE 137539
A T & T CORP SOLE 187
A T & T CORP SOLE 7
A T & T CORP DEFINED 390
A T & T CORP DEFINED 300
A T & T CORP OTHER 35979
A T & T CORP OTHER 94580
A T & T CORP OTHER 5972
A T & T CAP CORP SOLE 10500
A T & T CAP CORP DEFINED 400
A T & T CAP CORP OTHER 11256
A T & T CAP CORP OTHER 1875
ABBOTT LABS SOLE 97747
ABBOTT LABS OTHER 38718
ABBOTT LABS OTHER 3050
ABBOTT LABS OTHER 5300
AGILENT TECHNOLOGIES INC SOLE 3820
AGILENT TECHNOLOGIES INC OTHER 3192
AGILENT TECHNOLOGIES INC OTHER 190
AGILENT TECHNOLOGIES INC OTHER 228
AIMCO RESOURCE INC OTHER 36700
ALLSTATE CORP SOLE 9106
ALLSTATE CORP OTHER 3794
ALLSTATE CORP OTHER 368
AMERICA ONLINE INC SOLE 1360
AMERICA ONLINE INC DEFINED 200
AMERICA ONLINE INC OTHER 3975
AMERICA ONLINE INC OTHER 200
AMERICAN ELECTRIC POWER INC SOLE 2006
AMERICAN ELECTRIC POWER INC SOLE 300
AMERICAN ELECTRIC POWER INC OTHER 1156
AMERICAN ELECTRIC POWER INC OTHER 2109
AMERICAN EXPRESS CO SOLE 30154
AMERICAN EXPRESS CO DEFINED 600
AMERICAN EXPRESS CO OTHER 4990
AMERICAN EXPRESS CO OTHER 15600
AMERICAN HOME PRODUCTS CORP SOLE 61874
AMERICAN HOME PRODUCTS CORP OTHER 40979
AMERICAN HOME PRODUCTS CORP OTHER 44200
AMERICAN HOME PRODUCTS CORP OTHER 2000
AMERICAN INTL GROUP INC SOLE 84839
AMERICAN INTL GROUP INC OTHER 20480
AMERICAN INTL GROUP INC OTHER 630
AMERICAN INTL GROUP INC OTHER 937
AMGEN INC SOLE 7150
AMGEN INC OTHER 450
AMGEN INC OTHER 1100
ANDRX CORP DEL SOLE 4000
ANHEUSER BUSCH COS INC SOLE 36510
ANHEUSER BUSCH COS INC SOLE 400
ANHEUSER BUSCH COS INC OTHER 8800
ANNALY MTG MGMT INC SOLE 15000
AON CORP SOLE 1012
AON CORP OTHER 8096
AON CORP OTHER 225
ARCHER DANIELS MIDLAND CO SOLE 9353
ARCHER DANIELS MIDLAND CO OTHER 21513
ARROW ELECTRS INC SOLE 10900
ASSOCIATES FIRST CAPITAL CORP SOLE 5893
ASSOCIATES FIRST CAPITAL CORP OTHER 4012
ASSOCIATES FIRST CAPITAL CORP OTHER 3572
AUTOMATIC DATA PROCESSING INC SOLE 39726
AUTOMATIC DATA PROCESSING INC OTHER 15200
AUTOMATIC DATA PROCESSING INC OTHER 275
BP AMOCO PLC SOLE 104639
BP AMOCO PLC SOLE 2116
BP AMOCO PLC DEFINED 290
BP AMOCO PLC OTHER 43696
BP AMOCO PLC OTHER 20922
BP AMOCO PLC OTHER 3280
BANK OF AMERICA CORP SOLE 7239
BANK OF AMERICA CORP OTHER 8534
BANK OF AMERICA CORP OTHER 11316
BANK ONE CORP SOLE 135382
BANK ONE CORP OTHER 34237
BANK ONE CORP OTHER 5000
BAXTER INTL INC SOLE 2557
BAXTER INTL INC OTHER 1049
BAXTER INTL INC OTHER 5100
BAXTER INTL INC OTHER 82
BELLSOUTH CORP SOLE 42050
BELLSOUTH CORP SOLE 1356
BELLSOUTH CORP SOLE 566
BELLSOUTH CORP OTHER 32007
BELLSOUTH CORP OTHER 80040
BELLSOUTH CORP OTHER 3568
BERKSHIRE HATHAWAY INC SOLE 162
BESTFOODS INC SOLE 13586
BESTFOODS INC OTHER 1066
BESTFOODS INC OTHER 600
BOEING CO SOLE 15334
BOEING CO OTHER 17842
BOEING CO OTHER 29225
BOEING CO OTHER 520
BRISTOL MYERS SQUIBB SOLE 53156
BRISTOL MYERS SQUIBB SOLE 400
BRISTOL MYERS SQUIBB OTHER 41074
BRISTOL MYERS SQUIBB OTHER 20968
BRISTOL MYERS SQUIBB OTHER 400
CMS ENERGY CORP SOLE 6047
CMS ENERGY CORP SOLE 100
CMS ENERGY CORP OTHER 3269
CMS ENERGY CORP OTHER 800
CMS ENERGY CORP OTHER 1146
C P & L ENERGY INC SOLE 280
C P & L ENERGY INC OTHER 5390
C P & L ENERGY INC OTHER 1000
CAPITAL DIRECTIONS, INC SOLE 7380
CENDANT CORP SOLE 10000
CHASE MANHATTAN CORP NEW SOLE 20167
CHASE MANHATTAN CORP NEW OTHER 3662
CHASE MANHATTAN CORP NEW SOLE 2735
CHASE MANHATTAN CORP NEW OTHER 8250
CHASE MANHATTAN CORP NEW OTHER 735
CHASE MANHATTAN CORP NEW OTHER 1000
CHEVRON CORP SOLE 14330
CHEVRON CORP DEFINED 200
CHEVRON CORP OTHER 6520
CHEVRON CORP OTHER 320
CHEVRON CORP OTHER 440
CISCO SYS INC SOLE 67457
CISCO SYS INC DEFINED 560
CISCO SYS INC OTHER 38629
CISCO SYS INC OTHER 2292
CISCO SYS INC OTHER 7100
CITIGROUP INC SOLE 49771
CITIGROUP INC OTHER 17432
CITIGROUP CAP I SOLE 700
CITIGROUP CAP I OTHER 7750
CITIGROUP CAP I OTHER 855
CITIGROUP CAP I OTHER 1000
CITIZENS BKG CORP SOLE 1004926
CITIZENS BKG CORP SOLE 450
CITIZENS BKG CORP SOLE 10000
CITIZENS BKG CORP DEFINED 485
CITIZENS BKG CORP DEFINED 8000
CITIZENS BKG CORP OTHER 596799
CITIZENS BKG CORP OTHER 105554
CITIZENS BKG CORP OTHER 66433
COASTAL CORP SOLE 16765
COCA-COLA CO SOLE 26388
COCA-COLA CO SOLE 200
COCA-COLA CO DEFINED 400
COCA-COLA CO OTHER 20166
COCA-COLA CO OTHER 200
COLGATE PALMOLIVE CO SOLE 21090
COLGATE PALMOLIVE CO OTHER 3704
COLGATE PALMOLIVE CO OTHER 200
COMERICA INC SOLE 13605
COMERICA INC SOLE 500
COMERICA INC OTHER 17664
COMERICA INC OTHER 2055
COMMERCIAL NATL FINL CORP SOLE 17020
COMMERCIAL NATL FINL CORP SOLE 13948
COMMERCIAL NATL FINL CORP OTHER 40031
COMMUNITY BANCORP INC OTHER 3413
COMPUTER ASSO INTL SOLE 7500
COMPUTER ASSO INTL OTHER 1138
COMPUWARE CORP SOLE 15700
CONOCO INC SOLE 31105
CONOCO INC OTHER 50
CONSOLIDATED EDISON INC SOLE 8354
CONSOLIDATED EDISON INC OTHER 3524
CONSOLIDATED EDISON INC OTHER 700
COOPER INDUSTRIES INC OTHER 34191
DTE ENERGY COMPANY SOLE 3448
DTE ENERGY COMPANY OTHER 1224
DTE ENERGY COMPANY OTHER 10000
DTE ENERGY COMPANY OTHER 2000
DEERE & CO SOLE 3900
DEERE & CO OTHER 1200
DEERE & CO OTHER 4000
DELL COMPUTER SOLE 22675
DELL COMPUTER OTHER 1450
DELL COMPUTER OTHER 1700
DELPHI AUTOMOTIVE SYS CORP SOLE 22583
DELPHI AUTOMOTIVE SYS CORP SOLE 464
DELPHI AUTOMOTIVE SYS CORP DEFINED 419
DELPHI AUTOMOTIVE SYS CORP OTHER 27268
DELPHI AUTOMOTIVE SYS CORP OTHER 140197
DELPHI AUTOMOTIVE SYS CORP OTHER 8430
DENNOS FURNITURE INC OTHER 7996
DEVON ENERGY CORP NEW SOLE 136
DEVON ENERGY CORP NEW OTHER 4475
DISNEY WALT CO SOLE 51041
DISNEY WALT CO DEFINED 600
DISNEY WALT CO OTHER 18200
DISNEY WALT CO OTHER 600
DISNEY WALT CO OTHER 2448
DOLLAR GENERAL CORP OTHER 15457
DOMINION RES INC VA NEW SOLE 1269
DOMINION RES INC VA NEW OTHER 2043
DOMINION RES INC VA NEW OTHER 200
DOW CHEMICAL CO SOLE 413158
DOW CHEMICAL CO SOLE 300
DOW CHEMICAL CO DEFINED 600
DOW CHEMICAL CO OTHER 61183
DOW CHEMICAL CO OTHER 600
DOW CHEMICAL CO OTHER 3528
DU PONT E I DE NEMOURS & CO SOLE 12481
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 17230
DU PONT E I DE NEMOURS & CO OTHER 200
DU PONT E I DE NEMOURS & CO OTHER 3200
DUFF & PHELPS UTILS INCOME INC SOLE 606
DUFF & PHELPS UTILS INCOME INC OTHER 10000
DUKE ENERGY CORP SOLE 520
DUKE ENERGY CORP OTHER 2566
DUKE ENERGY CORP OTHER 517
EMC CORP SOLE 935
EMC CORP OTHER 1100
EASTMAN KODAK CO SOLE 2660
EASTMAN KODAK CO SOLE 150
EASTMAN KODAK CO DEFINED 200
EASTMAN KODAK CO OTHER 10299
EASTMAN KODAK CO OTHER 5700
ELECTRONIC DATA SYSTEMS CORP SOLE 7572
ELECTRONIC DATA SYSTEMS CORP SOLE 120
ELECTRONIC DATA SYSTEMS CORP SOLE 600
ELECTRONIC DATA SYSTEMS CORP OTHER 9702
ELECTRONIC DATA SYSTEMS CORP OTHER 214400
ELECTRONIC DATA SYSTEMS CORP OTHER 7952
EMERSON ELECTRIC CO SOLE 26970
EMERSON ELECTRIC CO OTHER 7165
EMERSON ELECTRIC CO OTHER 2600
ENRON CORP SOLE 13825
ENRON CORP OTHER 11600
ENRON CORP OTHER 2000
ENRON CORP OTHER 4025
ERICSSON L M TEL CO SOLE 24336
ERICSSON L M TEL CO OTHER 8000
ERICSSON L M TEL CO OTHER 3200
EXXON MOBIL CORP SOLE 200167
EXXON MOBIL CORP SOLE 1064
EXXON MOBIL CORP DEFINED 600
EXXON MOBIL CORP DEFINED 400
EXXON MOBIL CORP OTHER 129476
EXXON MOBIL CORP OTHER 10736
EXXON MOBIL CORP OTHER 4628
FPL GROUP INC SOLE 3122
FPL GROUP INC OTHER 4700
FHLMC SOLE 10600
FHLMC OTHER 1200
FNMA SOLE 17630
FNMA OTHER 5550
FNMA OTHER 1653
FNMA OTHER 800
FENTURA BANCORP INC SOLE 35981
FENTURA BANCORP INC OTHER 13509
FIRST DATA CORP SOLE 10036
FIRST DATA CORP OTHER 605
THE FIRST NATIONAL BANK SOLE 1800
FIRST UNION CORP SOLE 31495
FIRST UNION CORP OTHER 4420
FIRST UNION CORP OTHER 1200
FIRSTAR CORP NEW WIS SOLE 2289
FIRSTAR CORP NEW WIS OTHER 1500
FIRSTAR CORP NEW WIS OTHER 10628
FLEET BOSTON FINANCIAL CORP SOLE 8200
FLA PROGRESS CO OTHER 2650
FLA PROGRESS CO OTHER 15000
FORD MOTOR CO SOLE 20409
FORD MOTOR CO OTHER 11208
FORD MOTOR CO OTHER 9450
FORTUNE BRANDS INC SOLE 3648
FORTUNE BRANDS INC OTHER 4832
GM3S, INC OTHER 10000
GANNETT INC SOLE 4068
GANNETT INC OTHER 2192
GENERAL ELECTRIC CO SOLE 565783
GENERAL ELECTRIC CO SOLE 1800
GENERAL ELECTRIC CO SOLE 2928
GENERAL ELECTRIC CO DEFINED 435
GENERAL ELECTRIC CO DEFINED 1200
GENERAL ELECTRIC CO OTHER 280658
GENERAL ELECTRIC CO OTHER 135422
GENERAL ELECTRIC CO OTHER 13864
GENERAL HOUSING CORP SOLE 7841
GENERAL MILLS INC SOLE 3742
GENERAL MILLS INC SOLE 250
GENERAL MILLS INC OTHER 6000
GENERAL MILLS INC OTHER 3400
GENERAL MOTORS CORP SOLE 40236
GENERAL MOTORS CORP SOLE 664
GENERAL MOTORS CORP DEFINED 600
GENERAL MOTORS CORP DEFINED 200
GENERAL MOTORS CORP OTHER 35933
GENERAL MOTORS CORP OTHER 201129
GENERAL MOTORS CORP OTHER 8758
GENERAL MOTORS CORP SOLE 12071
GENERAL MOTORS CORP SOLE 300
GENERAL MOTORS CORP OTHER 11871
GENERAL MOTORS CORP OTHER 161880
GENERAL MOTORS CORP OTHER 6678
GENZYME CORP SOLE 4800
GEORGIA PAC CORP SOLE 20205
GEORGIA PAC CORP OTHER 1000
GEORGIA PAC CORP OTHER 400
GILLETTE CO SOLE 9743
GILLETTE CO OTHER 435
HARRAH'S ENTERTAINMENT INC SOLE 13600
HARRAH'S ENTERTAINMENT INC OTHER 300
HEINZ HJ SOLE 11616
HEINZ HJ OTHER 1950
HEWLETT PACKARD SOLE 13414
HEWLETT PACKARD OTHER 7485
HEWLETT PACKARD OTHER 500
HEWLETT PACKARD OTHER 600
HOME DEPOT INC SOLE 61986
HOME DEPOT INC SOLE 450
HOME DEPOT INC DEFINED 100
HOME DEPOT INC OTHER 26070
HOME DEPOT INC OTHER 975
HON IND INC SOLE 13940
HONEYWELL INTL INC SOLE 2681
HONEYWELL INTL INC OTHER 4681
HONEYWELL INTL INC OTHER 1116
HOOPER HILL FARMS, INC OTHER 429
HUNTINGTON BANCSHARES SOLE 31515
HUNTINGTON BANCSHARES OTHER 1447
INDUSTRIAL STL SOLE 12000
INTEL CORP SOLE 268141
INTEL CORP SOLE 736
INTEL CORP OTHER 85097
INTEL CORP OTHER 1776
INTEL CORP OTHER 11900
IBM CORP SOLE 51308
IBM CORP DEFINED 800
IBM CORP OTHER 11720
IBM CORP OTHER 25600
IBM CORP OTHER 250
INTERNATIONAL PAPER CO DEFINED 400
INTERNATIONAL PAPER CO OTHER 1468
INTERNATIONAL PAPER CO OTHER 7426
INTERNATIONAL PAPER CO OTHER 200
JOHNSON & JOHNSON SOLE 24820
JOHNSON & JOHNSON SOLE 200
JOHNSON & JOHNSON DEFINED 400
JOHNSON & JOHNSON OTHER 12565
JOHNSON & JOHNSON OTHER 1100
JOHNSON & JOHNSON OTHER 500
JOHNSON CONTROLS SOLE 20400
KELLOGG CO SOLE 6996
KELLOGG CO OTHER 5700
KIMBERLY CLARK CORP SOLE 35814
KIMBERLY CLARK CORP OTHER 7020
KIMBERLY CLARK CORP OTHER 600
KIMBERLY CLARK CORP OTHER 600
KROGER CO SOLE 10740
LAIDLAW INC OTHER 10000
LEHMAN BROTHERS HLDGS INC SOLE 7540
LEHMAN BROTHERS HLDGS INC OTHER 1000
LEXMARK INTL GRP INC SOLE 7055
LILLY ELI & CO SOLE 1135
LILLY ELI & CO OTHER 1884
LILLY ELI & CO OTHER 10000
LOCKHEED MARTIN CORP SOLE 9390
LOCKHEED MARTIN CORP OTHER 3500
LOCKHEED MARTIN CORP OTHER 6520
LUCENT TECHNOLOGIES INC SOLE 100714
LUCENT TECHNOLOGIES INC SOLE 804
LUCENT TECHNOLOGIES INC SOLE 618
LUCENT TECHNOLOGIES INC DEFINED 336
LUCENT TECHNOLOGIES INC DEFINED 500
LUCENT TECHNOLOGIES INC OTHER 42746
LUCENT TECHNOLOGIES INC OTHER 61241
LUCENT TECHNOLOGIES INC OTHER 5475
MCI CAP I SOLE 3390
MCI CAP I OTHER 11200
MAHAR TOOL SUPPLY CO OTHER 520
MANULIFE FINL CORP SOLE 22704
MANULIFE FINL CORP OTHER 2496
MANULIFE FINL CORP DEF/OTH 2887
MARSH & MCLENNAN SOLE 4172
MARSH & MCLENNAN SOLE 300
MCDONALDS CORP SOLE 61287
MCDONALDS CORP DEFINED 400
MCDONALDS CORP OTHER 14736
MCDONALDS CORP OTHER 600
MCDONALDS CORP OTHER 2416
MCDONALDS CORP OTHER 13800
MCDONALDS CORP SOLE 2290
MCDONALDS CORP OTHER 13800
MEDTRONIC SOLE 114105
MEDTRONIC SOLE 664
MEDTRONIC OTHER 5525
MEDTRONIC OTHER 1560
MEDTRONIC OTHER 2800
MERCK & CO INC SOLE 138045
MERCK & CO INC SOLE 400
MERCK & CO INC DEFINED 400
MERCK & CO INC OTHER 35573
MERCK & CO INC OTHER 37338
MERCK & CO INC OTHER 3800
MERRILL LYNCH PDS CAP TR 1 SOLE 2700
MERRILL LYNCH PDS CAP TR 1 OTHER 12798
MICROSOFT CORP SOLE 130086
MICROSOFT CORP OTHER 57940
MICROSOFT CORP OTHER 5960
MICROSOFT CORP OTHER 1950
MICHIGAN SEAT COMPANY OTHER 27800
MINNESOTA MINING & MFG CO SOLE 16197
MINNESOTA MINING & MFG CO DEFINED 200
MINNESOTA MINING & MFG CO OTHER 15153
MINNESOTA MINING & MFG CO OTHER 1900
MORAINE LAND CO OTHER 13500
MORGAN J P & CO SOLE 450
MORGAN J P & CO OTHER 875
MORGAN J P & CO OTHER 400
MORGAN STANLEY DEAN WITTER & CO SOLE 3242
MORGAN STANLEY DEAN WITTER & CO OTHER 1984
MORGAN STANLEY DEAN WITTER & CO OTHER 156
MOTOROLA INC SOLE 24310
MOTOROLA INC OTHER 5150
MOTOROLA INC OTHER 1800
MOTOROLA INC OTHER 1665
NATIONAL CITY CORP SOLE 13552
NATIONAL CITY CORP OTHER 26105
NATIONAL CITY CORP OTHER 705
NORFOLK SOUTHERN CORP SOLE 8040
NORFOLK SOUTHERN CORP SOLE 300
NORFOLK SOUTHERN CORP OTHER 3720
NORTEL NETWORKS CORP NEW SOLE 700
NORTEL NETWORKS CORP NEW OTHER 10200
NORTEL NETWORKS CORP NEW OTHER 800
OGE ENERGY CORP OTHER 1540
OGE ENERGY CORP OTHER 20000
OLD KENT FINANCIAL CORP SOLE 4213
OLD KENT FINANCIAL CORP OTHER 7064
OLD KENT FINANCIAL CORP OTHER 1157
OLD REPUBLIC INTL CORP SOLE 34537
OLD REPUBLIC INTL CORP OTHER 1980
ORACLE CORP SOLE 20540
ORACLE CORP DEFINED 200
ORACLE CORP OTHER 3401
ORACLE CORP OTHER 400
PE CORP OTHER 1600
PE CORP OTHER 400
PPL CORP SOLE 800
PPL CORP OTHER 3276
PPL CORP OTHER 10000
PPL CORP OTHER 1000
PALM INC SOLE 6291
PALM INC OTHER 74
PATTERSON ENERGY INC SOLE 7500
PAXSON OIL COMPANY OTHER 1111
PENNZOIL-QUAKER ST CO SOLE 238
PENNZOIL-QUAKER ST CO OTHER 10000
PEPSICO INC SOLE 63650
PEPSICO INC SOLE 500
PEPSICO INC DEFINED 355
PEPSICO INC OTHER 20086
PEPSICO INC OTHER 1872
PEPSICO INC OTHER 1334
PERRY PRINTING COMPANY PFD SOLE 641058
PFIZER INC SOLE 252678
PFIZER INC SOLE 5280
PFIZER INC OTHER 156956
PFIZER INC OTHER 8260
PFIZER INC OTHER 3280
PHARMACIA CORP SOLE 41488
PHARMACIA CORP SOLE 800
PHARMACIA CORP OTHER 144434
PHILIP MORRIS COS INC SOLE 14600
PHILIP MORRIS COS INC OTHER 17311
PHILIP MORRIS COS INC OTHER 3176
PHILIP MORRIS COS INC OTHER 300
PHOENIX INTL LTD INC SOLE 287994
PITNEY BOWES SOLE 500
PITNEY BOWES OTHER 10464
PITNEY BOWES OTHER 400
PROCTER & GAMBLE CO SOLE 52552
PROCTER & GAMBLE CO DEFINED 400
PROCTER & GAMBLE CO OTHER 24585
PROCTER & GAMBLE CO OTHER 15464
QUAKER OATS CO SOLE 11971
QUAKER OATS CO OTHER 872
QWEST COMMUNICATIONS INTL INC SOLE 23681
QWEST COMMUNICATIONS INTL INC OTHER 13607
QWEST COMMUNICATIONS INTL INC OTHER 31598
QWEST COMMUNICATIONS INTL INC OTHER 425
RAYTHEON CO SOLE 573
RAYTHEON CO SOLE 97
RAYTHEON CO DEFINED 38
RAYTHEON CO OTHER 1858
RAYTHEON CO OTHER 30000
RAYTHEON CO OTHER 2086
REMER PLUMBING AND HEATING INC OTHER 2560
RELIANT ENERGY INC SOLE 13176
RELIANT ENERGY INC SOLE 410
RELIANT ENERGY INC OTHER 526
RELIANT ENERGY INC OTHER 5000
RELIANT ENERGY INC OTHER 1000
ROYAL DUTCH PETROLEUM CO SOLE 36618
ROYAL DUTCH PETROLEUM CO OTHER 11015
SBC COMMUNICATIONS INC SOLE 131351
SBC COMMUNICATIONS INC SOLE 1765
SBC COMMUNICATIONS INC SOLE 562
SBC COMMUNICATIONS INC DEFINED 386
SBC COMMUNICATIONS INC OTHER 48660
SBC COMMUNICATIONS INC OTHER 156707
SBC COMMUNICATIONS INC OTHER 4274
SPX CORP SOLE 4766
SAFEWAY INC SOLE 20503
SAFEWAY INC OTHER 120
SAGINAW ROCK PRODUCTS OTHER 12839
SANI-TECH INDS INC SOLE 50000
SARA LEE CORP SOLE 48027
SARA LEE CORP OTHER 8837
SARA LEE CORP OTHER 1600
SCHERING-PLOUGH CORP SOLE 23587
SCHERING-PLOUGH CORP OTHER 5200
SCHERING-PLOUGH CORP OTHER 900
SCHLUMBERGER LTD SOLE 15239
SCHLUMBERGER LTD OTHER 1650
SCHLUMBERGER LTD OTHER 461
SEARS ROEBUCK & CO SOLE 4972
SEARS ROEBUCK & CO OTHER 1978
SEARS ROEBUCK & CO OTHER 200
SIMPSON INDUSTRIES SOLE 83915
SOLECTRON CORP SOLE 4858
SOLUTIA INC SOLE 1546
SOLUTIA INC OTHER 27949
SOUTHERN CO SOLE 9862
SOUTHERN CO SOLE 2222
SOUTHERN CO OTHER 18880
SOUTHERN CO OTHER 1195
SPRINT CORP SOLE 11860
SPRINT CORP OTHER 13756
SPRINT CORP SOLE 11595
SPRINT CORP OTHER 6876
STAR OF THE WEST MILLING CO SOLE 1775
STATE STREET CORP SOLE 6997
STATE STREET CORP OTHER 200
STATE STREET CORP OTHER 1000
SUN MICROSYSTEMS INC SOLE 112720
SUN MICROSYSTEMS INC OTHER 14800
SUN MICROSYSTEMS INC OTHER 470
SUN MICROSYSTEMS INC OTHER 3400
SYSCO CORP SOLE 530
SYSCO CORP OTHER 11500
TECO ENERGY INC OTHER 800
TECO ENERGY INC OTHER 10000
TECO ENERGY INC OTHER 2000
TXU CORP SOLE 2872
TXU CORP OTHER 1000
TXU CORP OTHER 10100
TARGET CORP SOLE 86814
TARGET CORP SOLE 2800
TARGET CORP OTHER 39830
TELEFONOS DE MEXICO SOLE 14830
TELEFONOS DE MEXICO OTHER 570
TELLABS INC SOLE 16349
TELLABS INC OTHER 1297
TELESPHERE COMMUNICATIONS INC SOLE 10000
TEMPLETON FDS INC SOLE 428
TEMPLETON FDS INC OTHER 12660
TEXACO INC SOLE 10352
TEXACO INC SOLE 200
TEXACO INC OTHER 11819
TEXACO INC OTHER 10400
TEXACO INC OTHER 1800
TEXAS INSTRUMENTS INC SOLE 3710
TEXAS INSTRUMENTS INC OTHER 390
TEXAS INSTRUMENTS INC OTHER 2000
TEXTRON CAP I SOLE 1150
TEXTRON CAP I OTHER 10250
TORO CO SOLE 31126
TRANS-INDUSTRIES INC SOLE 42121
TRANS-FORM, LTD SOLE 6605
TRANS-FORM, LTD OTHER 5000
TRI-CONTINENTAL CORP SOLE 13075
TRI-CONTINENTAL CORP OTHER 3400
TRI-CONTINENTAL CORP OTHER 810
TRUSTCO BANK CORP NY SOLE 1866
TRUSTCO BANK CORP NY OTHER 9746
TYCO INTL LTD SOLE 17471
TYCO INTL LTD OTHER 1100
TYCO INTL LTD OTHER 1000
USX-MARATHON GROUP SOLE 9370
USX-MARATHON GROUP OTHER 100
USX-MARATHON GROUP OTHER 3600
USX-MARATHON GROUP OTHER 500
UNITED TECHNOLOGIES CORP SOLE 44385
UNITED TECHNOLOGIES CORP OTHER 5934
UNITED TECHNOLOGIES CORP OTHER 445
VAN KAMPEN MUNICIPAL OTHER 15900
VAN KAMPEN AMERN CAP SELECT OTHER 17500
VERIZON COMMUNICATIONS SOLE 80547
VERIZON COMMUNICATIONS SOLE 2440
VERIZON COMMUNICATIONS OTHER 39704
VERIZON COMMUNICATIONS OTHER 64118
VERIZON COMMUNICATIONS OTHER 7655
VIACOM INC SOLE 4546
VIACOM INC OTHER 226
VIACOM INC OTHER 1138
VODAFONE GROUP PLC NEW SOLE 7915
VODAFONE GROUP PLC NEW OTHER 12505
VODAFONE GROUP PLC NEW OTHER 44470
VODAFONE GROUP PLC NEW OTHER 600
WAL-MART STORES INC SOLE 68838
WAL-MART STORES INC DEFINED 100
WAL-MART STORES INC OTHER 24806
WAL-MART STORES INC OTHER 3187
WAL-MART STORES INC OTHER 1200
WALGREEN CO SOLE 4315
WALGREEN CO OTHER 1350
WALGREEN CO OTHER 17745
WALGREEN CO OTHER 800
WASTE MGMT INC DEL SOLE 14675
WASTE MGMT INC DEL OTHER 2127
WELLS FARGO & CO NEW SOLE 22940
WELLS FARGO & CO NEW SOLE 6708
WELLS FARGO & CO NEW OTHER 7399
WELLS FARGO & CO NEW OTHER 10000
WELLS FARGO & CO NEW OTHER 1160
WEYERHAEUSER CO SOLE 125
WEYERHAEUSER CO OTHER 20376
WEYERHAEUSER CO OTHER 5000
WEYERHAEUSER CO OTHER 1000
WILIAN HOLDING COMPANY SOLE 6605
WILIAN HOLDING COMPANY OTHER 5000
WORLDCOM INC GA NEW SOLE 45160
WORLDCOM INC GA NEW OTHER 6685
WORLDCOM INC GA NEW OTHER 531
WORLDCOM INC GA NEW OTHER 1181
XCEL ENERGY INC SOLE 17222
XCEL ENERGY INC OTHER 3241
XCEL ENERGY INC OTHER 1957
XEROX CORP SOLE 17328
XEROX CORP OTHER 11160
XEROX CORP OTHER 600
DAIMLERCHRYSLER AG SOLE 147
DAIMLERCHRYSLER AG OTHER 6336
DAIMLERCHRYSLER AG OTHER 1090
ACE LIMITED SOLE 6500
ANNUITY AND LIFE RE HLDGS SOLE 9200
GLOBAL CROSSING LTD SOLE 2878
GLOBAL CROSSING LTD OTHER 14205
</TABLE>
