[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: 03/31/2000
Check here if Amendment [ ] Amendment Number:
This Amendment [ ] is a restatement
[ ] adds new holding entries
Institutional Investment Manager Filing this Report:
Name: CITIZENS BANK
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 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 Michigan 04/03/2000
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: 397
Form 13F Information Table Value Total: $ 572,884
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 1947 42733 SH
AFLAC CORP COMMON STOCK 001055102 156 3425 SH
A T & T CORP COMMON STOCK 001957109 3616 64213 SH
A T & T CORP COMMON STOCK 001957109 67 1192 SH
A T & T CORP COMMON STOCK 001957109 6417 113950 SH
A T & T CAP CORP PREFERRED STOCK 00206J308 253 10500 SH
A T & T CAP CORP PREFERRED STOCK 00206J308 10 400 SH
A T & T CAP CORP PREFERRED STOCK 00206J308 296 12281 SH
ABBOTT LABS COMMON STOCK 002824100 3182 90435 SH
ABBOTT LABS COMMON STOCK 002824100 1635 46468 SH
AIMCO RESOURCE INC COMMON STOCK 008999997 294 36700 SH
AIR PROD & CHEM INC COMMON STOCK 009158106 341 11997 SH
ALCOA INC COMMON STOCK 013817101 442 6290 SH
ALCOA INC COMMON STOCK 013817101 49 700 SH
ALLSTATE CORP COMMON STOCK 020002101 226 9506 SH
ALLSTATE CORP COMMON STOCK 020002101 87 3662 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 98 1460 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 13 200 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 228 3375 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 779 5228 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 30 200 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 987 6630 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 3767 70080 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 4563 84894 SH
AMERICAN INTL GROUP INC COMMON STOCK 026874107 6419 58624 SH
AMERICAN INTL GROUP INC COMMON STOCK 026874107 1651 15078 SH
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 414 6645 SH
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 249 4000 SH
AON CORP COMMON STOCK 037389103 219 6787 SH
AON CORP COMMON STOCK 037389103 268 8321 SH
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 100 9721 SH
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 216 20952 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 132 6188 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 205 9584 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 377 4433 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 1799 21163 SH
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 1970 40821 SH
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 766 15875 SH
BP AMOCO PLC FOREIGN STOCK 055622104 5393 101286 SH
BP AMOCO PLC FOREIGN STOCK 055622104 15 290 SH
BP AMOCO PLC FOREIGN STOCK 055622104 1665 31276 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 141 2682 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 968 18453 SH
BANK ONE CORP COMMON STOCK 06423A103 4784 138668 SH
BANK ONE CORP COMMON STOCK 06423A103 1409 40828 SH
BAXTER INTL INC COMMON STOCK 071813109 144 2300 SH
BAXTER INTL INC COMMON STOCK 071813109 391 6231 SH
BEAR STEARNS COS INC COMMON STOCK 073902108 873 19130 SH
BEAR STEARNS COS INC COMMON STOCK 073902108 5 105 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 2053 33591 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 12 200 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 5550 90801 SH
BELLSOUTH CORP COMMON STOCK 079860102 2228 47534 SH
BELLSOUTH CORP COMMON STOCK 079860102 21 450 SH
BELLSOUTH CORP COMMON STOCK 079860102 5500 117343 SH
BESTFOODS INC COMMON STOCK 08658U101 354 7568 SH
BESTFOODS INC COMMON STOCK 08658U101 142 3042 SH
BOEING CO COMMON STOCK 097023105 279 7384 SH
BOEING CO COMMON STOCK 097023105 1850 48933 SH
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 2463 42463 SH
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 3486 60108 SH
CBS CORP COMMON STOCK 12490K107 232 4091 SH
CBS CORP COMMON STOCK 12490K107 59 1050 SH
CMS ENERGY CORP COMMON STOCK 125896100 123 6799 SH
CMS ENERGY CORP COMMON STOCK 125896100 2 100 SH
CMS ENERGY CORP COMMON STOCK 125896100 114 6289 SH
CAROLINA PWR & LT CO COMMON STOCK 144141108 22 680 SH
CAROLINA PWR & LT CO COMMON STOCK 144141108 198 6090 SH
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 1645 18865 SH
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 190 2175 SH
CHASE MANHATTAN CORP NEW PREFERRED STOCK 16161A884 81 2995 SH
CHASE MANHATTAN CORP NEW PREFERRED STOCK 16161A884 270 9985 SH
CHEVRON CORP COMMON STOCK 166751107 1306 14130 SH
CHEVRON CORP COMMON STOCK 166751107 18 200 SH
CHEVRON CORP COMMON STOCK 166751107 765 8276 SH
CISCO SYS INC COMMON STOCK 17275R102 5709 73846 SH
CISCO SYS INC COMMON STOCK 17275R102 43 560 SH
CISCO SYS INC COMMON STOCK 17275R102 3378 43694 SH
CITIGROUP INC COMMON STOCK 172967101 1983 33116 SH
CITIGROUP INC COMMON STOCK 172967101 677 11302 SH
CITIGROUP CAP I PREFERRED STOCK 17305F201 16 700 SH
CITIGROUP CAP I PREFERRED STOCK 17305F201 202 8605 SH
CITIZENS BKG CORP COMMON STOCK 174420109 16380 840014 SH
CITIZENS BKG CORP COMMON STOCK 174420109 165 8485 SH
CITIZENS BKG CORP COMMON STOCK 174420109 10504 538665 SH
COASTAL CORP COMMON STOCK 190441105 1287 27980 SH
COCA-COLA CO COMMON STOCK 191216100 1060 22588 SH
COCA-COLA CO COMMON STOCK 191216100 19 400 SH
COCA-COLA CO COMMON STOCK 191216100 1066 22712 SH
COLGATE PALMOLIVE CO COMMON STOCK 194162103 1056 18725 SH
COLGATE PALMOLIVE CO COMMON STOCK 194162103 209 3704 SH
COMERICA INC COMMON STOCK 200340107 560 13363 SH
COMERICA INC COMMON STOCK 200340107 727 17359 SH
COMMERCIAL NATL FINL CORP COMMON STOCK 202216107 433 31958 SH
COMMERCIAL NATL FINL CORP COMMON STOCK 202216107 565 41640 SH
COMMUNITY BANCORP INC COMMON STOCK 203992995 573 3413 SH
CONEXANT SYSTEMS INC COMMON STOCK 207142100 73 1030 SH
CONEXANT SYSTEMS INC COMMON STOCK 207142100 239 3360 SH
CONOCO INC COMMON STOCK 208251405 343 13400 SH
COOPER INDUSTRIES INC COMMON STOCK 216669101 5 150 SH
COOPER INDUSTRIES INC COMMON STOCK 216669101 289 8262 SH
COOPER INDUSTRIES INC COMMON STOCK 216669101 693 19813 SH
DTE ENERGY COMPANY COMMON STOCK 233331107 63 2162 SH
DTE ENERGY COMPANY COMMON STOCK 233331107 778 26644 SH
DELL COMPUTER COMMON STOCK 247025109 1254 23246 SH
DELL COMPUTER COMMON STOCK 247025109 197 3650 SH
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 377 23586 SH
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 7 419 SH
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 2833 177042 SH
DENNOS FURNITURE INC COMMON STOCK 247999105 223 7996 SH
DEVON ENERGY CORP NEW COMMON STOCK 25179M103 5 106 SH
DEVON ENERGY CORP NEW COMMON STOCK 25179M103 217 4475 SH
DISNEY WALT CO COMMON STOCK 254687106 2179 52829 SH
DISNEY WALT CO COMMON STOCK 254687106 25 600 SH
DISNEY WALT CO COMMON STOCK 254687106 922 22358 SH
DOLLAR GENERAL CORP COMMON STOCK 256669102 407 15140 SH
DOW CHEMICAL CO COMMON STOCK 260543103 15279 134030 SH
DOW CHEMICAL CO COMMON STOCK 260543103 23 200 SH
DOW CHEMICAL CO COMMON STOCK 260543103 2996 26277 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 678 12803 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 35 660 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 1095 20680 SH
DUFF & PHELPS UTILS INCOME INC COMMON STOCK 264324104 93 10606 SH
DUKE ENERGY CORP COMMON STOCK 264399106 33 620 SH
DUKE ENERGY CORP COMMON STOCK 264399106 14 266 SH
DUKE ENERGY CORP COMMON STOCK 264399106 169 3215 SH
EASTMAN KODAK CO COMMON STOCK 277461109 279 5140 SH
EASTMAN KODAK CO COMMON STOCK 277461109 11 200 SH
EASTMAN KODAK CO COMMON STOCK 277461109 896 16499 SH
EDISON INTL COMMON STOCK 281020107 23 1400 SH
EDISON INTL COMMON STOCK 281020107 288 17376 SH
ELECTRONIC DATA SYSTEMS CORP COMMON STOCK 285661104 679 10586 SH
ELECTRONIC DATA SYSTEMS CORP COMMON STOCK 285661104 14937 232704 SH
EMERSON ELECTRIC CO COMMON STOCK 291011104 1553 29234 SH
EMERSON ELECTRIC CO COMMON STOCK 291011104 567 10665 SH
ENRON CORP COMMON STOCK 293561106 419 5600 SH
ENRON CORP COMMON STOCK 293561106 1250 16700 SH
EQUITY INCOME FD MUTUAL FUNDS - 294700703 240 1221 SH
ERICSSON L M TEL CO FOREIGN STOCK 294821400 543 5784 SH
ERICSSON L M TEL CO FOREIGN STOCK 294821400 75 800 SH
EXXON MOBIL CORP COMMON STOCK 30231G102 14604 187375 SH
EXXON MOBIL CORP COMMON STOCK 30231G102 78 1000 SH
EXXON MOBIL CORP COMMON STOCK 30231G102 11484 147351 SH
FPL GROUP INC COMMON STOCK 302571104 118 2570 SH
FPL GROUP INC COMMON STOCK 302571104 180 3900 SH
FNMA COMMON STOCK 313586109 1039 18365 SH
FNMA COMMON STOCK 313586109 453 8003 SH
FENTURA BANCORP INC COMMON STOCK 314645102 1082 30818 SH
FENTURA BANCORP INC COMMON STOCK 314645102 395 11258 SH
FIRST DATA CORP COMMON STOCK 319963104 331 7466 SH
FIRST DATA CORP COMMON STOCK 319963104 27 605 SH
FIRST UNION CORP COMMON STOCK 337358105 1255 33695 SH
FIRST UNION CORP COMMON STOCK 337358105 209 5620 SH
FIRSTAR CORP NEW WIS COMMON STOCK 33763V109 278 12128 SH
FLA PROGRESS CO COMMON STOCK 341109106 764 16650 SH
FORD MOTOR CO COMMON STOCK 345370100 1570 34173 SH
FORD MOTOR CO COMMON STOCK 345370100 894 19461 SH
GM3S, INC COMMON STOCK 361899990 0 10000 SH
GTE CORP COMMON STOCK 362320103 2380 33525 SH
GTE CORP COMMON STOCK 362320103 13 180 SH
GTE CORP COMMON STOCK 362320103 1703 23985 SH
GANNETT INC COMMON STOCK 364730101 307 4368 SH
GANNETT INC COMMON STOCK 364730101 154 2192 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 29087 186907 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 85 545 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 22606 145260 SH
GENERAL HOUSING CORP COMMON STOCK 369777776 3136 7841 SH
GENERAL MILLS INC COMMON STOCK 370334104 293 8092 SH
GENERAL MILLS INC COMMON STOCK 370334104 355 9800 SH
GENERAL MOTORS CORP COMMON STOCK 370442105 3932 47475 SH
GENERAL MOTORS CORP COMMON STOCK 370442105 66 800 SH
GENERAL MOTORS CORP COMMON STOCK 370442105 20768 250778 SH
GENERAL MOTORS CORP COMMON STOCK 370442832 95 764 SH
GENERAL MOTORS CORP COMMON STOCK 370442832 7139 57338 SH
GEORGIA PAC CORP COMMON STOCK 373298108 661 16705 SH
GEORGIA PAC CORP COMMON STOCK 373298108 55 1400 SH
GILLETTE CO COMMON STOCK 375766102 538 14278 SH
GILLETTE CO COMMON STOCK 375766102 34 895 SH
HEWLETT PACKARD COMMON STOCK 428236103 2544 19149 SH
HEWLETT PACKARD COMMON STOCK 428236103 1134 8535 SH
HOME DEPOT INC COMMON STOCK 437076102 4269 66182 SH
HOME DEPOT INC COMMON STOCK 437076102 6 100 SH
HOME DEPOT INC COMMON STOCK 437076102 1612 24986 SH
HONEYWELL INTL INC COMMON STOCK 438516106 191 3631 SH
HONEYWELL INTL INC COMMON STOCK 438516106 353 6693 SH
HOOPER HILL FARMS, INC COMMON STOCK 438888885 257 429 SH
HUNTINGTON BANCSHARES COMMON STOCK 446150104 605 27030 SH
HUNTINGTON BANCSHARES COMMON STOCK 446150104 29 1316 SH
IMC MORTGAGE CO COMMON STOCK 449923101 2 10000 SH
IMS HEALTH INC COMMON STOCK 449934108 120 7111 SH
IMS HEALTH INC COMMON STOCK 449934108 93 5494 SH
INDUSTRIAL STL COMMON STOCK 4563459A7 480 12000 SH
INTEL CORP COMMON STOCK 458140100 17344 131453 SH
INTEL CORP COMMON STOCK 458140100 6496 49232 SH
IBM CORP COMMON STOCK 459200101 5629 47700 SH
IBM CORP COMMON STOCK 459200101 94 800 SH
IBM CORP COMMON STOCK 459200101 4749 40245 SH
INTERNATIONAL PAPER CO COMMON STOCK 460146103 17 400 SH
INTERNATIONAL PAPER CO COMMON STOCK 460146103 424 9916 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 2066 29409 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 28 400 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 1051 14965 SH
K MART CORP F/S S KRESGE CO COMMON STOCK 482584109 41 4213 SH
K MART CORP F/S S KRESGE CO COMMON STOCK 482584109 128 13246 SH
KELLOGG CO COMMON STOCK 487836108 202 7836 SH
KELLOGG CO COMMON STOCK 487836108 165 6415 SH
KEYCORP NEW COMMON STOCK 493267108 219 11540 SH
KEYCORP NEW COMMON STOCK 493267108 7 392 SH
KIMBERLY CLARK CORP COMMON STOCK 494368103 2182 38926 SH
KIMBERLY CLARK CORP COMMON STOCK 494368103 427 7620 SH
LAKE PAINTING INC COMMON STOCK 511111114 1407 84000 SH
LEHMAN BROTHERS HLDGS INC COMMON STOCK 524908100 1366 14080 SH
LEHMAN BROTHERS HLDGS INC COMMON STOCK 524908100 105 1080 SH
LILLY ELI & CO COMMON STOCK 532457108 70 1125 SH
LILLY ELI & CO COMMON STOCK 532457108 744 11884 SH
LOCKHEED MARTIN CORP COMMON STOCK 539830109 124 6076 SH
LOCKHEED MARTIN CORP COMMON STOCK 539830109 229 11220 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 5586 91208 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 61 998 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 7283 118906 SH
MCI CAP I PREFERRED STOCK 55267Y206 76 3390 SH
MCI CAP I PREFERRED STOCK 55267Y206 239 10600 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 1941 42830 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 326 7194 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 390 23105 SH
MANDALAY RESORT GROUP COMMON STOCK 562567107 2 100 SH
MANULIFE FINL CORP FOREIGN STOCK 56501R106 206 14001 SH
MANULIFE FINL CORP FOREIGN STOCK 56501R106 37 2496 SH
MANULIFE FINL CORP FOREIGN STOCK 56501R106 42 2887 SH
MARSH & MCLENNAN COMMON STOCK 571748102 560 5078 SH
MCDONALDS CORP COMMON STOCK 580135101 1766 47247 SH
MCDONALDS CORP COMMON STOCK 580135101 15 400 SH
MCDONALDS CORP COMMON STOCK 580135101 662 17702 SH
MCDONALDS CORP PREFERRED STOCK 580135804 311 13800 SH
MCDONALDS CORP PREFERRED STOCK 580135887 52 2290 SH
MCDONALDS CORP PREFERRED STOCK 580135887 314 13800 SH
MEDIAONE GROUP INC COMMON STOCK 58440J104 6470 79878 SH
MEDIAONE GROUP INC COMMON STOCK 58440J104 16 200 SH
MEDIAONE GROUP INC COMMON STOCK 58440J104 1590 19634 SH
MEDTRONIC COMMON STOCK 585055106 6944 134997 SH
MEDTRONIC COMMON STOCK 585055106 573 11140 SH
MERCK & CO INC COMMON STOCK 589331107 9519 153223 SH
MERCK & CO INC COMMON STOCK 589331107 25 400 SH
MERCK & CO INC COMMON STOCK 589331107 5006 80581 SH
MERRILL LYNCH PDS CAP TR 1 PREFERRED STOCK 589977206 63 2700 SH
MERRILL LYNCH PDS CAP TR 1 PREFERRED STOCK 589977206 274 11798 SH
MERRILL LYNCH & CO INC COMMON STOCK 590188108 179 1702 SH
MERRILL LYNCH & CO INC COMMON STOCK 590188108 58 550 SH
MICROSOFT CORP COMMON STOCK 594918104 14162 133286 SH
MICROSOFT CORP COMMON STOCK 594918104 7109 66905 SH
MICHIGAN SEAT COMPANY COMMON STOCK 594999997 782 27800 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 1165 13153 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 18 200 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 1603 18103 SH
MONSANTO CO COMMON STOCK 611662107 1195 23200 SH
MONSANTO CO COMMON STOCK 611662107 1431 27780 SH
MORAINE LAND CO COMMON STOCK 615999109 0 13500 SH
MORGAN J P & CO COMMON STOCK 616880100 82 625 SH
MORGAN J P & CO COMMON STOCK 616880100 199 1508 SH
MORGAN STANLEY DEAN WITTER & CO COMMON STOCK 617446448 267 3223 SH
MORGAN STANLEY DEAN WITTER & CO COMMON STOCK 617446448 177 2140 SH
MOTOROLA INC COMMON STOCK 620076109 326 2230 SH
MOTOROLA INC COMMON STOCK 620076109 205 1405 SH
MUNIYIELD MICH INSD FD INC MUTUAL FUNDS - 62630J106 100 8341 SH
MUNIYIELD MICH INSD FD INC MUTUAL FUNDS - 62630J106 15 1288 SH
MUNIYIELD MICH INSD FD INC MUTUAL FUNDS - 62630J106 44 3664 SH
NATIONAL CITY CORP COMMON STOCK 635405103 286 13850 SH
NATIONAL CITY CORP COMMON STOCK 635405103 471 22818 SH
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 119 8340 SH
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 53 3720 SH
NORTEL NETWORKS CORP FOREIGN STOCK 656569100 25 200 SH
NORTEL NETWORKS CORP FOREIGN STOCK 656569100 757 6000 SH
OGE ENERGY CORP COMMON STOCK 670837103 417 21740 SH
OLD KENT FINANCIAL CORP COMMON STOCK 679833103 92 2870 SH
OLD KENT FINANCIAL CORP COMMON STOCK 679833103 251 7833 SH
ORACLE CORP COMMON STOCK 68389X105 1294 16574 SH
ORACLE CORP COMMON STOCK 68389X105 16 200 SH
ORACLE CORP COMMON STOCK 68389X105 114 1456 SH
PPL CORP COMMON STOCK 69351T106 34 1620 SH
PPL CORP COMMON STOCK 69351T106 299 14276 SH
PAXSON OIL COMPANY COMMON STOCK 704444447 1271 1111 SH
PENNEY J C INC COMMON STOCK 708160106 42 2825 SH
PENNEY J C INC COMMON STOCK 708160106 146 9804 SH
PENNZOIL-QUAKER ST CO COMMON STOCK 709323109 2 238 SH
PENNZOIL-QUAKER ST CO COMMON STOCK 709323109 104 10000 SH
PEPSICO INC COMMON STOCK 713448108 2143 61461 SH
PEPSICO INC COMMON STOCK 713448108 12 355 SH
PEPSICO INC COMMON STOCK 713448108 824 23632 SH
PERRY PRINTING COMPANY PFD PREFERRED STOCK 714622222 3205 641058 SH
PHARMACIA & UPJOHN INC COMMON STOCK 716941109 97 1628 SH
PHARMACIA & UPJOHN INC COMMON STOCK 716941109 290 4878 SH
PFIZER INC COMMON STOCK 717081103 6614 180893 SH
PFIZER INC COMMON STOCK 717081103 3852 105356 SH
PHILIP MORRIS COS INC COMMON STOCK 718154107 378 17900 SH
PHILIP MORRIS COS INC COMMON STOCK 718154107 575 27197 SH
PHOENIX INTL LTD INC COMMON STOCK 719078107 1260 287994 SH
PITNEY BOWES COMMON STOCK 724479100 31 700 SH
PITNEY BOWES COMMON STOCK 724479100 485 10864 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 3422 60571 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 23 400 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 2013 35629 SH
QUAKER OATS CO COMMON STOCK 747402105 534 8806 SH
QUAKER OATS CO COMMON STOCK 747402105 47 772 SH
RAYTHEON CO COMMON STOCK 755111309 13 670 SH
RAYTHEON CO COMMON STOCK 755111309 0 38 SH
RAYTHEON CO COMMON STOCK 755111309 885 47038 SH
REMER PLUMBING AND HEATING INC PREFERRED STOCK 759466998 256 2560 SH
RELIANT ENERGY INC COMMON STOCK 75952J108 93 3926 SH
RELIANT ENERGY INC COMMON STOCK 75952J108 158 6701 SH
REYNOLDS & REYNOLDS CO COMMON STOCK 761695105 402 14885 SH
ROCKWELL INTL CORP NEW COMMON STOCK 773903109 43 1032 SH
ROCKWELL INTL CORP NEW COMMON STOCK 773903109 172 4114 SH
ROYAL DUTCH PETROLEUM CO FOREIGN STOCK 780257804 2301 39810 SH
ROYAL DUTCH PETROLEUM CO FOREIGN STOCK 780257804 643 11115 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 5328 126484 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 45 1080 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 9027 214287 SH
SPX CORP COMMON STOCK 784635104 543 4766 SH
SABRE HLDGS CORP COMMON STOCK 785905100 216 5925 SH
SAFEWAY INC COMMON STOCK 786514208 1035 22882 SH
SAFEWAY INC COMMON STOCK 786514208 5 120 SH
SAGINAW ROCK PRODUCTS COMMON STOCK 786999102 579 15811 SH
SARA LEE CORP COMMON STOCK 803111103 895 49735 SH
SARA LEE CORP COMMON STOCK 803111103 202 11237 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 1352 36412 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 256 6900 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 1372 17940 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 146 1911 SH
SEARS ROEBUCK & CO COMMON STOCK 812387108 161 5272 SH
SEARS ROEBUCK & CO COMMON STOCK 812387108 71 2311 SH
SIMPSON INDUSTRIES COMMON STOCK 829060102 892 90915 SH
SOUTHERN CO COMMON STOCK 842587107 133 6112 SH
SOUTHERN CO COMMON STOCK 842587107 567 26053 SH
SPRINT CORP COMMON STOCK 852061100 51 810 SH
SPRINT CORP COMMON STOCK 852061100 1060 16756 SH
SPRINT CORP COMMON STOCK 852061506 948 14480 SH
SPRINT CORP COMMON STOCK 852061506 549 8376 SH
STAR OF THE WEST MILLING CO COMMON STOCK 855159992 328 1775 SH
STATE STREET CORP COMMON STOCK 857477103 960 9914 SH
STATE STREET CORP COMMON STOCK 857477103 165 1700 SH
SUN MICROSYSTEMS INC COMMON STOCK 866810104 12669 135200 SH
SUN MICROSYSTEMS INC COMMON STOCK 866810104 1730 18460 SH
SYSCO CORP COMMON STOCK 871829107 19 520 SH
SYSCO CORP COMMON STOCK 871829107 443 12250 SH
TECO ENERGY INC COMMON STOCK 872375100 2 100 SH
TECO ENERGY INC COMMON STOCK 872375100 249 12800 SH
TARGET CORP COMMON STOCK 87612E106 3595 48092 SH
TARGET CORP COMMON STOCK 87612E106 1773 23715 SH
TELEFONICA DE ESPANA SA FOREIGN STOCK 879382208 421 5665 SH
TELEFONOS DE MEXICO FOREIGN STOCK 879403780 1072 16095 SH
TELEFONOS DE MEXICO FOREIGN STOCK 879403780 38 570 SH
TELLABS INC COMMON STOCK 879664100 569 9034 SH
TELLABS INC COMMON STOCK 879664100 82 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 233 12660 SH
TEXACO INC COMMON STOCK 881694103 1178 21909 SH
TEXACO INC COMMON STOCK 881694103 1233 22941 SH
TEXAS UTILITIES COMMON STOCK 882848104 56 1900 SH
TEXAS UTILITIES COMMON STOCK 882848104 359 12100 SH
TEXTRON CAP I PREFERRED STOCK 883198202 25 1150 SH
TEXTRON CAP I PREFERRED STOCK 883198202 204 9250 SH
TORO CO COMMON STOCK 891092108 962 32126 SH
TRANS-INDUSTRIES INC COMMON STOCK 893239103 229 42121 SH
TRUSTCO BANK CORP NY COMMON STOCK 898349105 136 11612 SH
TYCO INTL LTD COMMON STOCK 902124106 841 16774 SH
TYCO INTL LTD COMMON STOCK 902124106 2 40 SH
TYCO INTL LTD COMMON STOCK 902124106 105 2100 SH
USX-MARATHON GROUP COMMON STOCK 902905827 261 10030 SH
USX-MARATHON GROUP COMMON STOCK 902905827 111 4250 SH
US WEST INC COMMON STOCK 91273H101 665 9150 SH
US WEST INC COMMON STOCK 91273H101 1917 26391 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 3023 47849 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 324 5129 SH
VAN KAMPEN MUNICIPAL MUTUAL FUNDS - 920944105 183 15900 SH
VAN KAMPEN AMERN CAP SELECT MUTUAL FUNDS - 92112M103 179 17500 SH
VODAFONE AIRTOUCH GROUP PLC FOREIGN STOCK 92857T107 422 7595 SH
VODAFONE AIRTOUCH GROUP PLC FOREIGN STOCK 92857T107 6 100 SH
VODAFONE AIRTOUCH GROUP PLC FOREIGN STOCK 92857T107 3226 58070 SH
WAL-MART STORES INC COMMON STOCK 931142103 4125 73003 SH
WAL-MART STORES INC COMMON STOCK 931142103 6 100 SH
WAL-MART STORES INC COMMON STOCK 931142103 1527 27032 SH
WALGREEN CO COMMON STOCK 931422109 82 3200 SH
WALGREEN CO COMMON STOCK 931422109 544 21130 SH
WARNER LAMBERT CO COMMON STOCK 934488107 2163 22144 SH
WARNER LAMBERT CO COMMON STOCK 934488107 1883 19273 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 1222 29998 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 718 17620 SH
WEYERHAEUSER CO COMMON STOCK 962166104 7 125 SH
WEYERHAEUSER CO COMMON STOCK 962166104 1545 27106 SH
XEROX CORP COMMON STOCK 984121103 533 20500 SH
XEROX CORP COMMON STOCK 984121103 513 19714 SH
DAIMLERCHRYSLER AG FOREIGN STOCK D1668R123 494 7550 SH
GLOBAL CROSSING LTD FOREIGN STOCK G3921A100 118 2878 SH
GLOBAL CROSSING LTD FOREIGN STOCK G3921A100 573 14005 SH
NAME OF ISSUER INVSTMT OTHER VOTING AUTHORITY
SECURITY NAME DISCRTN MANAGERS SOLE SHARED NONE
AFLAC CORP SOLE 42733
AFLAC CORP OTHER 2850
AFLAC CORP OTHER 575
A T & T CORP SOLE 64026
A T & T CORP SOLE 187
A T & T CORP DEFINED 892
A T & T CORP DEFINED 300
A T & T CORP OTHER 37953
A T & T CORP OTHER 69382
A T & T CORP OTHER 6615
A T & T CAP CORP SOLE 10500
A T & T CAP CORP DEFINED 400
A T & T CAP CORP OTHER 10406
A T & T CAP CORP OTHER 1875
ABBOTT LABS SOLE 90435
ABBOTT LABS OTHER 38118
ABBOTT LABS OTHER 3050
ABBOTT LABS OTHER 5300
AIMCO RESOURCE INC OTHER 36700
AIR PROD & CHEM INC SOLE 11997
ALCOA INC SOLE 6290
ALCOA INC OTHER 700
ALLSTATE CORP SOLE 9506
ALLSTATE CORP OTHER 2532
ALLSTATE CORP OTHER 762
ALLSTATE CORP OTHER 368
AMERICA ONLINE INC SOLE 1460
AMERICA ONLINE INC DEFINED 200
AMERICA ONLINE INC OTHER 3175
AMERICA ONLINE INC OTHER 200
AMERICAN EXPRESS CO SOLE 5228
AMERICAN EXPRESS CO DEFINED 200
AMERICAN EXPRESS CO OTHER 1430
AMERICAN EXPRESS CO OTHER 5200
AMERICAN HOME PRODUCTS CORP SOLE 70080
AMERICAN HOME PRODUCTS CORP OTHER 38694
AMERICAN HOME PRODUCTS CORP OTHER 44200
AMERICAN HOME PRODUCTS CORP OTHER 2000
AMERICAN INTL GROUP INC SOLE 58624
AMERICAN INTL GROUP INC OTHER 13752
AMERICAN INTL GROUP INC OTHER 701
AMERICAN INTL GROUP INC OTHER 625
ANHEUSER BUSCH COS INC SOLE 6445
ANHEUSER BUSCH COS INC SOLE 200
ANHEUSER BUSCH COS INC OTHER 4000
AON CORP SOLE 6787
AON CORP OTHER 8096
AON CORP OTHER 225
ARCHER DANIELS MIDLAND CO SOLE 9721
ARCHER DANIELS MIDLAND CO OTHER 20952
ASSOCIATES FIRST CAPITAL CORP SOLE 6188
ASSOCIATES FIRST CAPITAL CORP OTHER 6012
ASSOCIATES FIRST CAPITAL CORP OTHER 3572
ATLANTIC RICHFIELD CO SOLE 4433
ATLANTIC RICHFIELD CO OTHER 8363
ATLANTIC RICHFIELD CO OTHER 10800
ATLANTIC RICHFIELD CO OTHER 2000
AUTOMATIC DATA PROCESSING INC SOLE 40821
AUTOMATIC DATA PROCESSING INC OTHER 15200
AUTOMATIC DATA PROCESSING INC OTHER 675
BP AMOCO PLC SOLE 99170
BP AMOCO PLC SOLE 2116
BP AMOCO PLC DEFINED 290
BP AMOCO PLC OTHER 28066
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 138668
BANK ONE CORP OTHER 35828
BANK ONE CORP OTHER 5000
BAXTER INTL INC SOLE 2300
BAXTER INTL INC OTHER 1049
BAXTER INTL INC OTHER 5100
BAXTER INTL INC OTHER 82
BEAR STEARNS COS INC SOLE 19130
BEAR STEARNS COS INC OTHER 105
BELL ATLANTIC CORP SOLE 33591
BELL ATLANTIC CORP DEFINED 200
BELL ATLANTIC CORP OTHER 23247
BELL ATLANTIC CORP OTHER 65018
BELL ATLANTIC CORP OTHER 2536
BELLSOUTH CORP SOLE 46178
BELLSOUTH CORP SOLE 1356
BELLSOUTH CORP DEFINED 450
BELLSOUTH CORP OTHER 31923
BELLSOUTH CORP OTHER 81852
BELLSOUTH CORP OTHER 3568
BESTFOODS INC SOLE 7568
BESTFOODS INC OTHER 2242
BESTFOODS INC OTHER 800
BOEING CO SOLE 7384
BOEING CO OTHER 19188
BOEING CO OTHER 29225
BOEING CO OTHER 520
BRISTOL MYERS SQUIBB SOLE 42063
BRISTOL MYERS SQUIBB SOLE 400
BRISTOL MYERS SQUIBB OTHER 38740
BRISTOL MYERS SQUIBB OTHER 20968
BRISTOL MYERS SQUIBB OTHER 400
CBS CORP SOLE 4091
CBS CORP OTHER 1050
CMS ENERGY CORP SOLE 6699
CMS ENERGY CORP SOLE 100
CMS ENERGY CORP DEFINED 100
CMS ENERGY CORP OTHER 4130
CMS ENERGY CORP OTHER 1013
CMS ENERGY CORP OTHER 1146
CAROLINA PWR & LT CO SOLE 680
CAROLINA PWR & LT CO OTHER 5090
CAROLINA PWR & LT CO OTHER 1000
CHASE MANHATTAN CORP NEW SOLE 18865
CHASE MANHATTAN CORP NEW OTHER 2175
CHASE MANHATTAN CORP NEW SOLE 2995
CHASE MANHATTAN CORP NEW OTHER 8250
CHASE MANHATTAN CORP NEW OTHER 735
CHASE MANHATTAN CORP NEW OTHER 1000
CHEVRON CORP SOLE 14130
CHEVRON CORP DEFINED 200
CHEVRON CORP OTHER 7516
CHEVRON CORP OTHER 320
CHEVRON CORP OTHER 440
CISCO SYS INC SOLE 73846
CISCO SYS INC DEFINED 560
CISCO SYS INC OTHER 34202
CISCO SYS INC OTHER 1592
CISCO SYS INC OTHER 7900
CITIGROUP INC SOLE 33116
CITIGROUP INC OTHER 11302
CITIGROUP CAP I SOLE 700
CITIGROUP CAP I OTHER 6750
CITIGROUP CAP I OTHER 855
CITIGROUP CAP I OTHER 1000
CITIZENS BKG CORP SOLE 829564
CITIZENS BKG CORP SOLE 450
CITIZENS BKG CORP SOLE 10000
CITIZENS BKG CORP DEFINED 485
CITIZENS BKG CORP DEFINED 8000
CITIZENS BKG CORP OTHER 367362
CITIZENS BKG CORP OTHER 107151
CITIZENS BKG CORP OTHER 64152
COASTAL CORP SOLE 27980
COCA-COLA CO SOLE 22388
COCA-COLA CO SOLE 200
COCA-COLA CO DEFINED 400
COCA-COLA CO OTHER 22512
COCA-COLA CO OTHER 200
COLGATE PALMOLIVE CO SOLE 18725
COLGATE PALMOLIVE CO OTHER 3704
COMERICA INC SOLE 12863
COMERICA INC SOLE 500
COMERICA INC OTHER 15304
COMERICA INC OTHER 2055
COMMERCIAL NATL FINL CORP SOLE 18010
COMMERCIAL NATL FINL CORP SOLE 13948
COMMERCIAL NATL FINL CORP OTHER 41640
COMMUNITY BANCORP INC OTHER 3413
CONEXANT SYSTEMS INC SOLE 1030
CONEXANT SYSTEMS INC OTHER 3360
CONOCO INC SOLE 13400
COOPER INDUSTRIES INC SOLE 150
COOPER INDUSTRIES INC DEFINED 8262
COOPER INDUSTRIES INC OTHER 19813
DTE ENERGY COMPANY SOLE 2162
DTE ENERGY COMPANY OTHER 14644
DTE ENERGY COMPANY OTHER 10000
DTE ENERGY COMPANY OTHER 2000
DELL COMPUTER SOLE 23246
DELL COMPUTER OTHER 1850
DELL COMPUTER OTHER 1800
DELPHI AUTOMOTIVE SYS CORP SOLE 23122
DELPHI AUTOMOTIVE SYS CORP SOLE 464
DELPHI AUTOMOTIVE SYS CORP DEFINED 419
DELPHI AUTOMOTIVE SYS CORP OTHER 27823
DELPHI AUTOMOTIVE SYS CORP OTHER 140789
DELPHI AUTOMOTIVE SYS CORP OTHER 8430
DENNOS FURNITURE INC OTHER 7996
DEVON ENERGY CORP NEW SOLE 106
DEVON ENERGY CORP NEW OTHER 4475
DISNEY WALT CO SOLE 52829
DISNEY WALT CO DEFINED 600
DISNEY WALT CO OTHER 19310
DISNEY WALT CO OTHER 600
DISNEY WALT CO OTHER 2448
DOLLAR GENERAL CORP OTHER 15140
DOW CHEMICAL CO SOLE 133930
DOW CHEMICAL CO SOLE 100
DOW CHEMICAL CO DEFINED 200
DOW CHEMICAL CO OTHER 23401
DOW CHEMICAL CO OTHER 200
DOW CHEMICAL CO OTHER 2676
DU PONT E I DE NEMOURS & CO SOLE 12803
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 17280
DU PONT E I DE NEMOURS & CO OTHER 200
DU PONT E I DE NEMOURS & CO OTHER 3200
DUFF & PHELPS UTILS INCOME INC OTHER 606
DUFF & PHELPS UTILS INCOME INC OTHER 10000
DUKE ENERGY CORP SOLE 620
DUKE ENERGY CORP DEFINED 266
DUKE ENERGY CORP OTHER 2700
DUKE ENERGY CORP OTHER 515
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 1400
EDISON INTL OTHER 17376
ELECTRONIC DATA SYSTEMS CORP SOLE 9866
ELECTRONIC DATA SYSTEMS CORP SOLE 120
ELECTRONIC DATA SYSTEMS CORP SOLE 600
ELECTRONIC DATA SYSTEMS CORP OTHER 10352
ELECTRONIC DATA SYSTEMS CORP OTHER 214400
ELECTRONIC DATA SYSTEMS CORP OTHER 7952
EMERSON ELECTRIC CO SOLE 29234
EMERSON ELECTRIC CO OTHER 8065
EMERSON ELECTRIC CO OTHER 2600
ENRON CORP SOLE 5600
ENRON CORP OTHER 10600
ENRON CORP OTHER 2000
ENRON CORP OTHER 4100
EQUITY INCOME FD SOLE 1221
ERICSSON L M TEL CO SOLE 5784
ERICSSON L M TEL CO OTHER 800
EXXON MOBIL CORP SOLE 186975
EXXON MOBIL CORP SOLE 400
EXXON MOBIL CORP DEFINED 600
EXXON MOBIL CORP DEFINED 400
EXXON MOBIL CORP OTHER 131073
EXXON MOBIL CORP OTHER 11450
EXXON MOBIL CORP OTHER 4828
FPL GROUP INC SOLE 2570
FPL GROUP INC OTHER 3900
FNMA SOLE 18365
FNMA OTHER 5550
FNMA OTHER 1653
FNMA OTHER 800
FENTURA BANCORP INC SOLE 30818
FENTURA BANCORP INC OTHER 11258
FIRST DATA CORP SOLE 7466
FIRST DATA CORP OTHER 605
FIRST UNION CORP SOLE 33695
FIRST UNION CORP OTHER 4420
FIRST UNION CORP OTHER 1200
FIRSTAR CORP NEW WIS OTHER 1500
FIRSTAR CORP NEW WIS OTHER 10628
FLA PROGRESS CO OTHER 1650
FLA PROGRESS CO OTHER 15000
FORD MOTOR CO SOLE 34173
FORD MOTOR CO OTHER 9709
FORD MOTOR CO OTHER 9752
GM3S, INC OTHER 10000
GTE CORP SOLE 31525
GTE CORP SOLE 2000
GTE CORP DEFINED 180
GTE CORP OTHER 19689
GTE CORP OTHER 100
GTE CORP OTHER 4196
GANNETT INC SOLE 4368
GANNETT INC OTHER 2192
GENERAL ELECTRIC CO SOLE 185731
GENERAL ELECTRIC CO SOLE 200
GENERAL ELECTRIC CO SOLE 976
GENERAL ELECTRIC CO DEFINED 145
GENERAL ELECTRIC CO DEFINED 400
GENERAL ELECTRIC CO OTHER 93428
GENERAL ELECTRIC CO OTHER 46804
GENERAL ELECTRIC CO OTHER 5028
GENERAL HOUSING CORP SOLE 7841
GENERAL MILLS INC SOLE 7842
GENERAL MILLS INC SOLE 250
GENERAL MILLS INC OTHER 6400
GENERAL MILLS INC OTHER 3400
GENERAL MOTORS CORP SOLE 46811
GENERAL MOTORS CORP SOLE 664
GENERAL MOTORS CORP DEFINED 600
GENERAL MOTORS CORP DEFINED 200
GENERAL MOTORS CORP OTHER 39599
GENERAL MOTORS CORP OTHER 202196
GENERAL MOTORS CORP OTHER 8983
GENERAL MOTORS CORP SOLE 664
GENERAL MOTORS CORP SOLE 100
GENERAL MOTORS CORP OTHER 1726
GENERAL MOTORS CORP OTHER 53624
GENERAL MOTORS CORP OTHER 1988
GEORGIA PAC CORP SOLE 16705
GEORGIA PAC CORP OTHER 1000
GEORGIA PAC CORP OTHER 400
GILLETTE CO SOLE 14278
GILLETTE CO OTHER 895
HEWLETT PACKARD SOLE 19149
HEWLETT PACKARD OTHER 7435
HEWLETT PACKARD OTHER 500
HEWLETT PACKARD OTHER 600
HOME DEPOT INC SOLE 65732
HOME DEPOT INC SOLE 450
HOME DEPOT INC DEFINED 100
HOME DEPOT INC OTHER 24011
HOME DEPOT INC OTHER 975
HONEYWELL INTL INC SOLE 3631
HONEYWELL INTL INC OTHER 5477
HONEYWELL INTL INC OTHER 1216
HOOPER HILL FARMS, INC OTHER 429
HUNTINGTON BANCSHARES SOLE 27030
HUNTINGTON BANCSHARES OTHER 1316
IMC MORTGAGE CO OTHER 10000
IMS HEALTH INC SOLE 7111
IMS HEALTH INC OTHER 5494
INDUSTRIAL STL SOLE 12000
INTEL CORP SOLE 131085
INTEL CORP SOLE 368
INTEL CORP OTHER 41969
INTEL CORP OTHER 888
INTEL CORP OTHER 6375
IBM CORP SOLE 47700
IBM CORP DEFINED 800
IBM CORP OTHER 14545
IBM CORP OTHER 25600
IBM CORP OTHER 100
INTERNATIONAL PAPER CO DEFINED 400
INTERNATIONAL PAPER CO OTHER 2290
INTERNATIONAL PAPER CO OTHER 7426
INTERNATIONAL PAPER CO OTHER 200
JOHNSON & JOHNSON SOLE 29209
JOHNSON & JOHNSON SOLE 200
JOHNSON & JOHNSON DEFINED 400
JOHNSON & JOHNSON OTHER 13165
JOHNSON & JOHNSON OTHER 1300
JOHNSON & JOHNSON OTHER 500
K MART CORP F/S S KRESGE CO SOLE 4213
K MART CORP F/S S KRESGE CO OTHER 11746
K MART CORP F/S S KRESGE CO OTHER 1500
KELLOGG CO SOLE 7836
KELLOGG CO OTHER 6415
KEYCORP NEW SOLE 11540
KEYCORP NEW OTHER 392
KIMBERLY CLARK CORP SOLE 38926
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 14080
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 6076
LOCKHEED MARTIN CORP OTHER 4700
LOCKHEED MARTIN CORP OTHER 6520
LUCENT TECHNOLOGIES INC SOLE 90246
LUCENT TECHNOLOGIES INC SOLE 548
LUCENT TECHNOLOGIES INC SOLE 414
LUCENT TECHNOLOGIES INC DEFINED 498
LUCENT TECHNOLOGIES INC DEFINED 500
LUCENT TECHNOLOGIES INC OTHER 49993
LUCENT TECHNOLOGIES INC OTHER 62838
LUCENT TECHNOLOGIES INC OTHER 6075
MCI CAP I SOLE 3390
MCI CAP I OTHER 10600
MCI WORLDCOM INC SOLE 42830
MCI WORLDCOM INC OTHER 5482
MCI WORLDCOM INC OTHER 531
MCI WORLDCOM INC OTHER 1181
MACDONALD BROADCASTING CO OTHER 1614
MAHAR TOOL SUPPLY CO OTHER 520
MANDALAY RESORT GROUP SOLE 23105
MANDALAY RESORT GROUP OTHER 100
MANULIFE FINL CORP SOLE 14001
MANULIFE FINL CORP OTHER 2496
MANULIFE FINL CORP DEF/OTH 2887
MARSH & MCLENNAN SOLE 4778
MARSH & MCLENNAN SOLE 300
MCDONALDS CORP SOLE 47247
MCDONALDS CORP DEFINED 400
MCDONALDS CORP OTHER 14336
MCDONALDS CORP OTHER 950
MCDONALDS CORP OTHER 2416
MCDONALDS CORP OTHER 13800
MCDONALDS CORP SOLE 2290
MCDONALDS CORP OTHER 13800
MEDIAONE GROUP INC SOLE 79878
MEDIAONE GROUP INC DEFINED 200
MEDIAONE GROUP INC OTHER 1514
MEDIAONE GROUP INC OTHER 17880
MEDIAONE GROUP INC OTHER 240
MEDTRONIC SOLE 134333
MEDTRONIC SOLE 664
MEDTRONIC OTHER 6780
MEDTRONIC OTHER 1560
MEDTRONIC OTHER 2800
MERCK & CO INC SOLE 152823
MERCK & CO INC SOLE 400
MERCK & CO INC DEFINED 400
MERCK & CO INC OTHER 38193
MERCK & CO INC OTHER 38588
MERCK & CO INC OTHER 3800
MERRILL LYNCH PDS CAP TR 1 SOLE 2700
MERRILL LYNCH PDS CAP TR 1 OTHER 11798
MERRILL LYNCH & CO INC SOLE 1702
MERRILL LYNCH & CO INC OTHER 550
MICROSOFT CORP SOLE 133286
MICROSOFT CORP OTHER 58910
MICROSOFT CORP OTHER 6295
MICROSOFT CORP OTHER 1700
MICHIGAN SEAT COMPANY OTHER 27800
MINNESOTA MINING & MFG CO SOLE 13153
MINNESOTA MINING & MFG CO DEFINED 200
MINNESOTA MINING & MFG CO OTHER 16203
MINNESOTA MINING & MFG CO OTHER 1900
MONSANTO CO SOLE 23200
MONSANTO CO OTHER 26980
MONSANTO CO OTHER 800
MORAINE LAND CO OTHER 13500
MORGAN J P & CO SOLE 625
MORGAN J P & CO OTHER 1108
MORGAN J P & CO OTHER 400
MORGAN STANLEY DEAN WITTER & CO SOLE 3223
MORGAN STANLEY DEAN WITTER & CO OTHER 1344
MORGAN STANLEY DEAN WITTER & CO OTHER 640
MORGAN STANLEY DEAN WITTER & CO OTHER 156
MOTOROLA INC SOLE 2230
MOTOROLA INC OTHER 750
MOTOROLA INC OTHER 100
MOTOROLA INC OTHER 555
MUNIYIELD MICH INSD FD INC SOLE 8341
MUNIYIELD MICH INSD FD INC DEFINED 1288
MUNIYIELD MICH INSD FD INC OTHER 3664
NATIONAL CITY CORP SOLE 13850
NATIONAL CITY CORP OTHER 22818
NORFOLK SOUTHERN CORP SOLE 8040
NORFOLK SOUTHERN CORP SOLE 300
NORFOLK SOUTHERN CORP OTHER 3720
NORTEL NETWORKS CORP SOLE 200
NORTEL NETWORKS CORP OTHER 5600
NORTEL NETWORKS CORP OTHER 400
OGE ENERGY CORP OTHER 1740
OGE ENERGY CORP OTHER 20000
OLD KENT FINANCIAL CORP SOLE 2870
OLD KENT FINANCIAL CORP OTHER 6731
OLD KENT FINANCIAL CORP OTHER 1102
ORACLE CORP SOLE 16574
ORACLE CORP DEFINED 200
ORACLE CORP OTHER 1456
PPL CORP SOLE 1620
PPL CORP OTHER 3276
PPL CORP OTHER 10000
PPL CORP OTHER 1000
PAXSON OIL COMPANY OTHER 1111
PENNEY J C INC SOLE 2725
PENNEY J C INC SOLE 100
PENNEY J C INC OTHER 3804
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 60961
PEPSICO INC SOLE 500
PEPSICO INC DEFINED 355
PEPSICO INC OTHER 20426
PEPSICO INC OTHER 1872
PEPSICO INC OTHER 1334
PERRY PRINTING COMPANY PFD SOLE 641058
PHARMACIA & UPJOHN INC SOLE 1628
PHARMACIA & UPJOHN INC OTHER 4878
PFIZER INC SOLE 180893
PFIZER INC OTHER 92356
PFIZER INC OTHER 9900
PFIZER INC OTHER 3100
PHILIP MORRIS COS INC SOLE 17900
PHILIP MORRIS COS INC OTHER 23721
PHILIP MORRIS COS INC OTHER 3176
PHILIP MORRIS COS INC OTHER 300
PHOENIX INTL LTD INC SOLE 287994
PITNEY BOWES SOLE 700
PITNEY BOWES OTHER 10464
PITNEY BOWES OTHER 400
PROCTER & GAMBLE CO SOLE 60571
PROCTER & GAMBLE CO DEFINED 400
PROCTER & GAMBLE CO OTHER 25165
PROCTER & GAMBLE CO OTHER 10464
QUAKER OATS CO SOLE 8806
QUAKER OATS CO OTHER 772
RAYTHEON CO SOLE 573
RAYTHEON CO SOLE 97
RAYTHEON CO DEFINED 38
RAYTHEON CO OTHER 2030
RAYTHEON CO OTHER 42916
RAYTHEON CO OTHER 2092
REMER PLUMBING AND HEATING INC OTHER 2560
RELIANT ENERGY INC SOLE 3516
RELIANT ENERGY INC SOLE 410
RELIANT ENERGY INC OTHER 701
RELIANT ENERGY INC OTHER 5000
RELIANT ENERGY INC OTHER 1000
REYNOLDS & REYNOLDS CO SOLE 14885
ROCKWELL INTL CORP NEW SOLE 1032
ROCKWELL INTL CORP NEW OTHER 4114
ROYAL DUTCH PETROLEUM CO SOLE 39810
ROYAL DUTCH PETROLEUM CO OTHER 11115
SBC COMMUNICATIONS INC SOLE 124719
SBC COMMUNICATIONS INC SOLE 1765
SBC COMMUNICATIONS INC DEFINED 1080
SBC COMMUNICATIONS INC OTHER 50613
SBC COMMUNICATIONS INC OTHER 159400
SBC COMMUNICATIONS INC OTHER 4274
SPX CORP SOLE 4766
SABRE HLDGS CORP SOLE 5925
SAFEWAY INC SOLE 22882
SAFEWAY INC OTHER 120
SAGINAW ROCK PRODUCTS OTHER 15811
SARA LEE CORP SOLE 49735
SARA LEE CORP OTHER 9237
SARA LEE CORP OTHER 2000
SCHERING-PLOUGH CORP SOLE 36412
SCHERING-PLOUGH CORP OTHER 6000
SCHERING-PLOUGH CORP OTHER 900
SCHLUMBERGER LTD SOLE 17940
SCHLUMBERGER LTD OTHER 1450
SCHLUMBERGER LTD OTHER 461
SEARS ROEBUCK & CO SOLE 5272
SEARS ROEBUCK & CO OTHER 1699
SEARS ROEBUCK & CO OTHER 412
SEARS ROEBUCK & CO OTHER 200
SIMPSON INDUSTRIES SOLE 90915
SOUTHERN CO SOLE 3890
SOUTHERN CO SOLE 2222
SOUTHERN CO OTHER 24880
SOUTHERN CO OTHER 1173
SPRINT CORP SOLE 810
SPRINT CORP OTHER 200
SPRINT CORP OTHER 16556
SPRINT CORP SOLE 14480
SPRINT CORP OTHER 100
SPRINT CORP OTHER 8276
STAR OF THE WEST MILLING CO SOLE 1775
STATE STREET CORP SOLE 9914
STATE STREET CORP OTHER 200
STATE STREET CORP OTHER 1500
SUN MICROSYSTEMS INC SOLE 135200
SUN MICROSYSTEMS INC OTHER 15340
SUN MICROSYSTEMS INC OTHER 120
SUN MICROSYSTEMS INC OTHER 3000
SYSCO CORP SOLE 520
SYSCO CORP OTHER 12250
TECO ENERGY INC SOLE 100
TECO ENERGY INC OTHER 800
TECO ENERGY INC OTHER 10000
TECO ENERGY INC OTHER 2000
TARGET CORP SOLE 48092
TARGET CORP OTHER 22115
TARGET CORP OTHER 1600
TELEFONICA DE ESPANA SA SOLE 5665
TELEFONOS DE MEXICO SOLE 16095
TELEFONOS DE MEXICO OTHER 570
TELLABS INC SOLE 9034
TELLABS INC OTHER 1297
TELESPHERE COMMUNICATIONS INC SOLE 10000
TEMPLETON FDS INC SOLE 428
TEMPLETON FDS INC OTHER 12660
TEXACO INC SOLE 21709
TEXACO INC SOLE 200
TEXACO INC OTHER 10741
TEXACO INC OTHER 10400
TEXACO INC OTHER 1800
TEXAS UTILITIES SOLE 1900
TEXAS UTILITIES OTHER 2000
TEXAS UTILITIES OTHER 10100
TEXTRON CAP I SOLE 1150
TEXTRON CAP I OTHER 9250
TORO CO SOLE 32126
TRANS-INDUSTRIES INC SOLE 42121
TRUSTCO BANK CORP NY SOLE 11612
TYCO INTL LTD SOLE 16774
TYCO INTL LTD DEFINED 40
TYCO INTL LTD OTHER 1100
TYCO INTL LTD OTHER 1000
USX-MARATHON GROUP SOLE 10030
USX-MARATHON GROUP OTHER 150
USX-MARATHON GROUP OTHER 3600
USX-MARATHON GROUP OTHER 500
US WEST INC SOLE 9150
US WEST INC OTHER 7780
US WEST INC OTHER 18365
US WEST INC OTHER 246
UNITED TECHNOLOGIES CORP SOLE 47849
UNITED TECHNOLOGIES CORP OTHER 4684
UNITED TECHNOLOGIES CORP OTHER 445
VAN KAMPEN MUNICIPAL OTHER 15900
VAN KAMPEN AMERN CAP SELECT OTHER 17500
VODAFONE AIRTOUCH GROUP PLC SOLE 7595
VODAFONE AIRTOUCH GROUP PLC DEFINED 100
VODAFONE AIRTOUCH GROUP PLC OTHER 12195
VODAFONE AIRTOUCH GROUP PLC OTHER 45275
VODAFONE AIRTOUCH GROUP PLC OTHER 600
WAL-MART STORES INC SOLE 73003
WAL-MART STORES INC DEFINED 100
WAL-MART STORES INC OTHER 24645
WAL-MART STORES INC OTHER 1187
WAL-MART STORES INC OTHER 1200
WALGREEN CO SOLE 3200
WALGREEN CO OTHER 1350
WALGREEN CO OTHER 18980
WALGREEN CO OTHER 800
WARNER LAMBERT CO SOLE 22144
WARNER LAMBERT CO OTHER 19273
WELLS FARGO & CO NEW SOLE 20930
WELLS FARGO & CO NEW SOLE 9068
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 20500
XEROX CORP OTHER 19114
XEROX CORP OTHER 600
DAIMLERCHRYSLER AG OTHER 6460
DAIMLERCHRYSLER AG OTHER 1090
GLOBAL CROSSING LTD SOLE 2878
GLOBAL CROSSING LTD DEFINED 14005
</TABLE>
