UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 3/31/00
CHECK HERE IF AMENDMENT ( ); AMENDMENT NUMBER:
THIS AMENDMENT (CHECK ONLY ONE.): ( ) IS A RESTATEMENT.
( ) ADDS NEW HOLDINGS ENTRIES
INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT:
NAME: OLD KENT BANK
ADDRESS: 111 LYON ST
GRAND RAPIDS, MI 49503
13F FILE NUMBER: 28-676
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: KENNETH C. KREI
TITLE: EXECUTIVE VICE PRESIDENT
PHONE: (616) 653-3365
<PAGE>
SIGNATURE, PLACE, AND DATE OF SIGNING:
/S/KENNETH C. KREI GRAND RAPIDS, MI 5/12/00
REPORT TYPE (CHECK ONLY ONE.):
( X) 13F HOLDINGS REPORT
( ) 13F NOTICE
( ) 13F COMBINATION REPORT
LIST OF OTHER MANAGERS REPORTING FOR THIS MANAGER:
NONE
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: 1
FORM 13F INFORMATION TABLE ENTRY TOTAL: 774
FORM 13F INFORMATION TABLE VALUE TOTAL: $1,831,142
LIST OF OTHER INCLUDED MANAGERS;
PROVIDE A NUMBERED LIST OF THE NAME(S) AND FORM 13F FILE NUMBER(S) OF ALL
INSTITUTIONAL INVESTMENT MANAGERS WITH RESPECT TO WHICH THIS REPORT IS FILED,
OTHER THAN THE MANAGER FILING THIS REPORT.
(IF THERE ARE NO ENTRIES IN THIS LIST, STATE "NONE" AND OMIT THE COLUMN
HEADINGS AND LIST ENTRIES.)
NO. FORM 13F FILE NUMBER NAME
1 28-1597 OLD KENT FINANCIAL CORPORATION
<PAGE>
<TABLE>
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
- --------------------------- ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C>
ABBOTT LABS COMMON STOCK 002824100 10653 302758 SH SHARED 300038 0 2720
ABBOTT LABS COMMON STOCK 002824100 5628 159929 SH OTHER 137129 0 22800
ADAMS EXPRESS CO COM COMMON STOCK 006212104 230 6166 SH SHARED 6166 0 0
ADAMS EXPRESS CO COM COMMON STOCK 006212104 139 3710 SH OTHER 3710 0 0
ADAPTEC INC COMMON STOCK 00651F108 649 16800 SH SHARED 16800 0 0
ADAPTEC INC COMMON STOCK 00651F108 214 5550 SH OTHER 5550 0 0
ADC TELECOMMUNICATIONS INC COMMON STOCK 000886101 1399 25975 SH SHARED 25975 0 0
ADC TELECOMMUNICATIONS INC COMMON STOCK 000886101 11 200 SH OTHER 0 0 200
ADOBE SYS INC COMMON STOCK 00724F101 357 3210 SH SHARED 3210 0 0
ADVANCED MICRO DEVICES INC COMMON STOCK 007903107 263 4615 SH SHARED 4615 0 0
AES CORP COMMON STOCK 00130H105 246 3125 SH SHARED 3125 0 0
AETNA INC COMMON STOCK 008117103 239 4298 SH SHARED 4298 0 0
AETNA INC COMMON STOCK 008117103 178 3199 SH OTHER 3199 0 0
AIR PRODS & CHEMS INC COMMON STOCK 009158106 233 8200 SH SHARED 6400 0 1800
ALBERTSONS INC COMMON STOCK 013104104 477 15460 SH SHARED 15360 0 100
ALBERTSONS INC COMMON STOCK 013104104 74 2395 SH OTHER 2395 0 0
ALCOA INC COMMON STOCK 013817101 1200 17085 SH SHARED 16685 0 400
ALCOA INC COMMON STOCK 013817101 215 3054 SH OTHER 3054 0 0
ALLIANT CORP COMMON STOCK 018802108 216 7099 SH SHARED 7099 0 0
ALLIANT CORP COMMON STOCK 018802108 41 1343 SH OTHER 1343 0 0
ALLSTATE CORP COMMON STOCK 020002101 7253 304607 SH SHARED 271290 0 33317
ALLSTATE CORP COMMON STOCK 020002101 8591 360787 SH OTHER 279363 0 81424
ALLTEL CORP COMMON STOCK 020039103 681 10763 SH SHARED 10763 0 0
ALLTEL CORP COMMON STOCK 020039103 105 1667 SH OTHER 1667 0 0
ALZA CORP COMMON STOCK 022615108 427 11375 SH SHARED 10575 0 800
ALZA CORP COMMON STOCK 022615108 32 850 SH OTHER 850 0 0
AMAZON COM INC COMMON STOCK 023135106 277 4129 SH SHARED 4129 0 0
AMAZON COM INC COMMON STOCK 023135106 67 1000 SH OTHER 1000 0 0
AMERADA HESS CORP COMMON STOCK 023551104 91 1402 SH SHARED 1402 0 0
AMERADA HESS CORP COMMON STOCK 023551104 185 2870 SH OTHER 2870 0 0
AMEREN CORP COMMON STOCK 023608102 216 6993 SH SHARED 5692 0 1301
AMEREN CORP COMMON STOCK 023608102 291 9412 SH OTHER 7694 0 1718
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 7880 116843 SH SHARED 112843 0 4000
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 734 10877 SH OTHER 8321 0 2556
AMERICAN AXLE & MFG HLDGS INC COMMON STOCK 024061103 4225 285250 SH SHARED 285250 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 312 10451 SH SHARED 10251 0 200
AMERICAN ELEC PWR INC COMMON STOCK 025537101 175 5860 SH OTHER 5860 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 3587 24086 SH SHARED 23236 0 850
AMERICAN EXPRESS CO COMMON STOCK 025816109 876 5881 SH OTHER 5681 0 200
AMERICAN GEN CORP COMMON STOCK 026351106 742 13218 SH SHARED 13218 0 0
AMERICAN GEN CORP COMMON STOCK 026351106 165 2942 SH OTHER 2707 235 0
AMERICAN HOME PRODS CORP COMMON STOCK 026609107 5722 106458 SH SHARED 106458 0 0
AMERICAN HOME PRODS CORP COMMON STOCK 026609107 1849 34394 SH OTHER 30924 0 3470
AMERICAN INTL GROUP INC COMMON STOCK 026874107 11184 102133 SH SHARED 94358 0 7775
<PAGE>
AMERICAN INTL GROUP INC COMMON STOCK 026874107 1626 14847 SH OTHER 14291 0 556
AMERICAN PWR CONVERSION CORP COMMON STOCK 029066107 129 3000 SH SHARED 3000 0 0
AMERICAN PWR CONVERSION CORP COMMON STOCK 029066107 139 3250 SH OTHER 2500 0 750
AMGEN INC COMMON STOCK 031162100 1499 24430 SH SHARED 23930 0 500
AMGEN INC COMMON STOCK 031162100 420 6841 SH OTHER 5441 0 1400
AMR CORP DEL COMMON STOCK 001765106 276 8668 SH SHARED 8668 0 0
AMR CORP DEL COMMON STOCK 001765106 26 800 SH OTHER 800 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 442 5490 SH SHARED 5490 0 0
ANDREW CORP COMMON STOCK 034425108 599 26175 SH SHARED 26175 0 0
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 1475 23695 SH SHARED 22095 0 1600
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 182 2920 SH OTHER 2720 0 200
AON CORP COMMON STOCK 037389103 95 2940 SH SHARED 2940 0 0
AON CORP COMMON STOCK 037389103 769 23856 SH OTHER 23706 0 150
APACHE CORP COMMON STOCK 037411105 960 19300 SH SHARED 19300 0 0
APACHE CORP COMMON STOCK 037411105 142 2859 SH OTHER 2859 0 0
APHTON CORP COMMON STOCK 03759P101 274 8217 SH SHARED 8217 0 0
APPLE COMPUTER INC COMMON STOCK 037833100 491 3615 SH SHARED 3615 0 0
APPLE COMPUTER INC COMMON STOCK 037833100 163 1200 SH OTHER 1200 0 0
APPLIED MATLS INC COMMON STOCK 038222105 1826 19370 SH SHARED 19120 0 250
APPLIED MATLS INC COMMON STOCK 038222105 2300 24400 SH OTHER 24400 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 83 8096 SH SHARED 2887 0 5209
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 91 8791 SH OTHER 3900 0 4891
ASSOCIATES FIRST CAP CORP COMMON STOCK 046008108 769 35989 SH SHARED 35989 0 0
ASSOCIATES FIRST CAP CORP COMMON STOCK 046008108 199 9313 SH OTHER 7793 0 1520
AT & T CORP COMMON STOCK 001957109 16191 287518 SH SHARED 265259 0 22259
AT & T CORP COMMON STOCK 001957109 4468 79337 SH OTHER 72341 781 6215
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 3377 39733 SH SHARED 39073 0 660
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 2306 27129 SH OTHER 26929 0 200
ATLAS PIPELINE PARTNERS L P COMMON STOCK 049392103 221 19000 SH SHARED 19000 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 8360 173261 SH SHARED 155711 0 17550
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 816 16906 SH OTHER 15808 0 1098
AVENUE ENTMT GROUP INC COMMON STOCK 053577102 14 13000 SH SHARED 13000 0 0
AVERY DENNISON CORP COMMON STOCK 053611109 323 5285 SH SHARED 5285 0 0
AVERY DENNISON CORP COMMON STOCK 053611109 67 1100 SH OTHER 1100 0 0
AVISTA CORP COMMON STOCK 05379B107 114 2800 SH SHARED 2800 0 0
AVISTA CORP COMMON STOCK 05379B107 111 2722 SH OTHER 1361 0 1361
AVON PRODS INC COMMON STOCK 054303102 154 5250 SH SHARED 5250 0 0
AVON PRODS INC COMMON STOCK 054303102 48 1630 SH OTHER 1410 0 220
BALLARD PWR SYS INC COMMON STOCK 05858H104 254 3000 SH OTHER 3000 0 0
BANK NEW YORK INC COMMON STOCK 064057102 1021 24575 SH SHARED 24575 0 0
BANK NEW YORK INC COMMON STOCK 064057102 27 654 SH OTHER 654 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 2763 52691 SH SHARED 52691 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 802 15298 SH OTHER 14785 0 513
BANK ONE CORP COMMON STOCK 06423A103 3706 107420 SH SHARED 100064 0 7356
BANK ONE CORP COMMON STOCK 06423A103 4185 121300 SH OTHER 117581 0 3719
BAXTER INTL INC COMMON STOCK 071813109 690 11010 SH SHARED 10287 0 723
BAXTER INTL INC COMMON STOCK 071813109 476 7600 SH OTHER 7150 300 150
BELL ATLANTIC CORP COMMON STOCK 077853109 6267 102520 SH SHARED 102048 0 472
BELL ATLANTIC CORP COMMON STOCK 077853109 3037 49689 SH OTHER 43435 0 6254
BELLSOUTH CORP COMMON STOCK 079860102 7692 164095 SH SHARED 163863 0 232
<PAGE>
BELLSOUTH CORP COMMON STOCK 079860102 3591 76601 SH OTHER 70293 240 6068
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670207 120 66 SH SHARED 65 0 1
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670207 138 76 SH OTHER 33 0 43
BEST BUY INC COMMON STOCK 086516101 469 5450 SH SHARED 5350 0 100
BEST BUY INC COMMON STOCK 086516101 95 1100 SH OTHER 1100 0 0
BESTFOODS COMMON STOCK 08658U101 1114 23790 SH SHARED 22780 0 1010
BESTFOODS COMMON STOCK 08658U101 963 20564 SH OTHER 20364 0 200
BIOGEN INC COMMON STOCK 090597105 441 6315 SH SHARED 6315 0 0
BIOGEN INC COMMON STOCK 090597105 49 700 SH OTHER 600 0 100
BIOMET INC COMMON STOCK 090613100 4438 122000 SH SHARED 105900 0 16100
BIOMET INC COMMON STOCK 090613100 2221 61050 SH OTHER 61050 0 0
BMC SOFTWARE INC COMMON STOCK 055921100 249 5050 SH SHARED 5050 0 0
BMC SOFTWARE INC COMMON STOCK 055921100 26 530 SH OTHER 530 0 0
BOEING CO COMMON STOCK 097023105 2146 56744 SH SHARED 54737 0 2007
BOEING CO COMMON STOCK 097023105 501 13244 SH OTHER 13244 0 0
BOSTON SCIENTIFIC CORP COMMON STOCK 101137107 834 39140 SH SHARED 39140 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 17501 301739 SH SHARED 282157 0 19582
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 6652 114693 SH OTHER 97697 0 16996
BROADWING INC COMMON STOCK 111620100 201 5416 SH SHARED 5416 0 0
BROADWING INC COMMON STOCK 111620100 188 5050 SH OTHER 5050 0 0
BROWN FORMAN CORP COMMON STOCK 115637209 327 6000 SH SHARED 6000 0 0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK 12189T104 211 9291 SH SHARED 9291 0 0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK 12189T104 109 4788 SH OTHER 4788 0 0
CAMPBELL SOUP CO COMMON STOCK 134429109 791 25725 SH SHARED 25725 0 0
CAMPBELL SOUP CO COMMON STOCK 134429109 74 2400 SH OTHER 2400 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 689 15016 SH SHARED 14630 0 386
CARDINAL HEALTH INC COMMON STOCK 14149Y108 77 1677 SH OTHER 1501 0 176
CARNIVAL CORP COMMON STOCK 143658102 364 14650 SH SHARED 14650 0 0
CAROLINA PWR & LT CO COMMON STOCK 144141108 404 12462 SH SHARED 12462 0 0
CAROLINA PWR & LT CO COMMON STOCK 144141108 6 200 SH OTHER 200 0 0
CATERPILLAR INC COMMON STOCK 149123101 491 12458 SH SHARED 12458 0 0
CATERPILLAR INC COMMON STOCK 149123101 207 5240 SH OTHER 5240 0 0
CBS CORP COMMON STOCK 12490K107 921 16260 SH SHARED 16260 0 0
CBS CORP COMMON STOCK 12490K107 723 12777 SH OTHER 11877 0 900
CENDANT CORP COMMON STOCK 151313103 444 24025 SH SHARED 24025 0 0
CENDANT CORP COMMON STOCK 151313103 31 1700 SH OTHER 1500 0 200
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 136 7964 SH SHARED 7764 0 200
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 248 14506 SH OTHER 14256 0 250
CENTURYTEL INC COMMON STOCK 156700106 817 22000 SH SHARED 22000 0 0
CENTURYTEL INC COMMON STOCK 156700106 83 2232 SH OTHER 2232 0 0
CHARTER ONE FINL INC COMMON STOCK 160903100 93 4432 SH SHARED 4432 0 0
CHARTER ONE FINL INC COMMON STOCK 160903100 248 11812 SH OTHER 11812 0 0
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 8009 91854 SH SHARED 83037 0 8817
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 1150 13191 SH OTHER 13059 0 132
CHEVRON CORP COMMON STOCK 166751107 2500 27045 SH SHARED 26878 0 167
CHEVRON CORP COMMON STOCK 166751107 1286 13908 SH OTHER 13908 0 0
CHOICEPOINT INC COMMON STOCK 170388102 244 6540 SH SHARED 6540 0 0
CHUBB CORP COMMON STOCK 171232101 212 3140 SH SHARED 2150 0 990
CHUBB CORP COMMON STOCK 171232101 81 1200 SH OTHER 1200 0 0
CIGNA CORP COMMON STOCK 125509109 395 5215 SH SHARED 5215 0 0
<PAGE>
CIGNA CORP COMMON STOCK 125509109 70 922 SH OTHER 922 0 0
CIRCUIT CITY STORES INC COMMON STOCK 172737108 237 3900 SH SHARED 3900 0 0
CIRCUIT CITY STORES INC COMMON STOCK 172737108 73 1200 SH OTHER 1200 0 0
CISCO SYS INC COMMON STOCK 17275R102 33232 429834 SH SHARED 403388 0 26446
CISCO SYS INC COMMON STOCK 17275R102 5626 72770 SH OTHER 61189 0 11581
CITIGROUP INC COMMON STOCK 172967101 15369 256686 SH SHARED 240899 0 15787
CITIGROUP INC COMMON STOCK 172967101 2319 38726 SH OTHER 34023 0 4703
CITIZENS BKG CORP MICH COMMON STOCK 174420109 244 12516 SH SHARED 12516 0 0
CITIZENS BKG CORP MICH COMMON STOCK 174420109 2 99 SH OTHER 99 0 0
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK 184502102 2027 29345 SH SHARED 25045 0 4300
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK 184502102 176 2549 SH OTHER 2533 0 16
CLOROX CO COMMON STOCK 189054109 166 5020 SH SHARED 5020 0 0
CLOROX CO COMMON STOCK 189054109 53 1600 SH OTHER 1600 0 0
CMGI INC. COMMON STOCK COMMON STOCK 125750109 27 237 SH SHARED 237 0 0
CMGI INC. COMMON STOCK COMMON STOCK 125750109 204 1800 SH OTHER 1800 0 0
CMS ENERGY CORP COMMON STOCK 125896100 497 27442 SH SHARED 27442 0 0
CMS ENERGY CORP COMMON STOCK 125896100 25 1382 SH OTHER 1128 0 254
COCA COLA CO COMMON STOCK 191216100 6559 139745 SH SHARED 135778 0 3967
COCA COLA CO COMMON STOCK 191216100 3885 82774 SH OTHER 81562 0 1212
COGNEX CORP COMMON STOCK 192422103 663 11500 SH SHARED 11500 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 5368 95223 SH SHARED 95223 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 2047 36313 SH OTHER 35839 0 474
COLUMBIA ENERGY GROUP COMMON STOCK 197648108 252 4251 SH SHARED 4251 0 0
COLUMBIA ENERGY GROUP COMMON STOCK 197648108 4 75 SH OTHER 75 0 0
COMCAST CORP COMMON STOCK 200300200 2231 51425 SH SHARED 45425 0 6000
COMCAST CORP COMMON STOCK 200300200 145 3348 SH OTHER 3316 0 32
COMERICA INC COMMON STOCK 200340107 948 22638 SH SHARED 22638 0 0
COMERICA INC COMMON STOCK 200340107 460 10976 SH OTHER 10976 0 0
COMPAQ COMPUTER CORP COMMON STOCK 204493100 2711 100422 SH SHARED 99222 0 1200
COMPAQ COMPUTER CORP COMMON STOCK 204493100 524 19398 SH OTHER 18198 0 1200
COMPASS BANCSHARES INC COMMON STOCK 20449H109 249 12500 SH SHARED 12500 0 0
COMPUTER ASSOC INTL INC COMMON STOCK 204912109 1520 25678 SH SHARED 25678 0 0
COMPUTER ASSOC INTL INC COMMON STOCK 204912109 259 4381 SH OTHER 4281 0 100
COMPUTER SCIENCES CORP COMMON STOCK 205363104 1086 13725 SH SHARED 13725 0 0
COMPUTER SCIENCES CORP COMMON STOCK 205363104 182 2300 SH OTHER 2100 0 200
COMPUWARE CORP COMMON STOCK 205638109 330 15650 SH SHARED 15650 0 0
COMPUWARE CORP COMMON STOCK 205638109 6 300 SH OTHER 300 0 0
COMVERSE TECHNOLOGY INC COMMON STOCK 205862402 269 1425 SH SHARED 1425 0 0
CONAGRA INC COMMON STOCK 205887102 383 21139 SH SHARED 17809 0 3330
CONAGRA INC COMMON STOCK 205887102 38 2100 SH OTHER 2100 0 0
CONEXANT SYS INC COMMON STOCK 207142100 737 10376 SH SHARED 10376 0 0
CONEXANT SYS INC COMMON STOCK 207142100 219 3091 SH OTHER 2516 0 575
CONOCO INC CL A COMMON STOCK 208251306 584 23700 SH SHARED 23700 0 0
CONOCO INC CL B COMMON STOCK 208251405 501 19551 SH SHARED 18568 0 983
CONOCO INC CL B COMMON STOCK 208251405 600 23420 SH OTHER 23420 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 449 15410 SH SHARED 15410 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 414 14199 SH OTHER 13174 0 1025
CONSOLIDATED PAPERS INC COMMON STOCK 209759109 367 9552 SH SHARED 9552 0 0
CONSOLIDATED PAPERS INC COMMON STOCK 209759109 431 11200 SH OTHER 11200 0 0
CONVERGYS CORP COMMON STOCK 212485106 217 5616 SH SHARED 5616 0 0
<PAGE>
CONVERGYS CORP COMMON STOCK 212485106 195 5050 SH OTHER 5050 0 0
COOPER INDS INC COMMON STOCK 216669101 523 14948 SH SHARED 14948 0 0
COOPER INDS INC COMMON STOCK 216669101 1098 31361 SH OTHER 31361 0 0
CORNING INC COMMON STOCK 219350105 2320 11960 SH SHARED 11960 0 0
CORNING INC COMMON STOCK 219350105 388 2000 SH OTHER 2000 0 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105 751 14295 SH SHARED 14295 0 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105 21 400 SH OTHER 400 0 0
CRANE CO COMMON STOCK 224399105 244 10349 SH OTHER 10349 0 0
CVS CORP COMMON STOCK 126650100 467 12442 SH SHARED 12442 0 0
CVS CORP COMMON STOCK 126650100 606 16130 SH OTHER 13330 0 2800
DAIMLERCHRYSLER AG COMMON STOCK D1668R123 358 5473 SH SHARED 4882 0 591
DAIMLERCHRYSLER AG COMMON STOCK D1668R123 196 2991 SH OTHER 2157 0 834
DANA CORP COMMON STOCK 235811106 214 7582 SH SHARED 7438 0 144
DANA CORP COMMON STOCK 235811106 85 3000 SH OTHER 3000 0 0
DANAHER CORP COMMON STOCK 235851102 235 4608 SH SHARED 4608 0 0
DAVOX CORP COMMON STOCK 239208101 258 9640 SH SHARED 9640 0 0
DEERE & CO COMMON STOCK 244199105 378 9952 SH SHARED 9952 0 0
DEERE & CO COMMON STOCK 244199105 43 1142 SH OTHER 1092 0 50
DELL COMPUTER CORP COMMON STOCK 247025109 2789 51700 SH SHARED 51600 0 100
DELL COMPUTER CORP COMMON STOCK 247025109 428 7935 SH OTHER 6250 0 1685
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 502 31358 SH SHARED 31358 0 0
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 144 8969 SH OTHER 8004 0 965
DELTA AIR LINES INC DEL COMMON STOCK 247361108 203 3805 SH SHARED 3805 0 0
DELTA AIR LINES INC DEL COMMON STOCK 247361108 31 585 SH OTHER 585 0 0
DELUXE CORP COMMON STOCK 248019101 1737 65541 SH OTHER 65441 0 100
DEXTER CORP COMMON STOCK 252165105 318 6000 SH SHARED 6000 0 0
DIEBOLD INC COMMON STOCK 253651103 462 16810 SH SHARED 16810 0 0
DIEBOLD INC COMMON STOCK 253651103 43 1550 SH OTHER 1550 0 0
DISNEY WALT COMMON STOCK COMMON STOCK 254687106 4892 118588 SH SHARED 118238 0 350
DISNEY WALT COMMON STOCK COMMON STOCK 254687106 1150 27879 SH OTHER 23978 0 3901
DIVERSINET CORP COMMON STOCK 25536K204 10 545 SH SHARED 300 0 245
DIVERSINET CORP COMMON STOCK 25536K204 483 27030 SH OTHER 0 0 27030
DOMINION RES INC VA NEW COMMON STOCK 25746U109 255 6630 SH SHARED 6420 0 210
DOMINION RES INC VA NEW COMMON STOCK 25746U109 191 4962 SH OTHER 4962 0 0
DOVER CORP COMMON STOCK 260003108 365 7630 SH SHARED 7630 0 0
DOVER CORP COMMON STOCK 260003108 67 1400 SH OTHER 1400 0 0
DOW CHEM CO COMMON STOCK 260543103 1942 17038 SH SHARED 16573 0 465
DOW CHEM CO COMMON STOCK 260543103 1287 11287 SH OTHER 11002 0 285
DTE ENERGY CO COMMON STOCK 233331107 811 27797 SH SHARED 27451 0 346
DTE ENERGY CO COMMON STOCK 233331107 183 6265 SH OTHER 6265 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 2821 53290 SH SHARED 51758 0 1532
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 1921 36284 SH OTHER 35884 0 400
DUKE ENERGY CO COMMON STOCK 264399106 1235 23533 SH SHARED 21833 0 1700
DUKE ENERGY CO COMMON STOCK 264399106 269 5131 SH OTHER 5131 0 0
DUN & BRADSTREET CORP DEL COMMON STOCK 26483B106 150 5257 SH SHARED 5257 0 0
DUN & BRADSTREET CORP DEL COMMON STOCK 26483B106 103 3590 SH OTHER 3590 0 0
E M C CORP MASS COMMON STOCK 268648102 11495 91230 SH SHARED 77780 0 13450
E M C CORP MASS COMMON STOCK 268648102 1134 8999 SH OTHER 8733 0 266
EASTMAN KODAK CO COMMON STOCK 277461109 918 16902 SH SHARED 13441 0 3461
EASTMAN KODAK CO COMMON STOCK 277461109 179 3300 SH OTHER 3180 0 120
<PAGE>
EATON CORP COMMON STOCK 278058102 264 3380 SH SHARED 3380 0 0
EATON CORP COMMON STOCK 278058102 35 450 SH OTHER 450 0 0
EDISON INTL COMMON STOCK 281020107 240 14486 SH SHARED 14486 0 0
EDISON INTL COMMON STOCK 281020107 118 7117 SH OTHER 5940 377 800
ELECTRONIC DATA SYS CORP NEW COMMON STOCK 285661104 914 14232 SH SHARED 14232 0 0
ELECTRONIC DATA SYS CORP NEW COMMON STOCK 285661104 133 2075 SH OTHER 1603 0 472
EMERSON ELEC CO COMMON STOCK 291011104 2184 41114 SH SHARED 41014 0 100
EMERSON ELEC CO COMMON STOCK 291011104 303 5705 SH OTHER 3400 0 2305
ENRON CORP COMMON STOCK 293561106 5830 77858 SH SHARED 71120 0 6738
ENRON CORP COMMON STOCK 293561106 1437 19196 SH OTHER 18781 0 415
ENTERGY CORP NEW COMMON STOCK 29364G103 295 14625 SH SHARED 12095 0 2530
ENTERGY CORP NEW COMMON STOCK 29364G103 1 55 SH OTHER 55 0 0
EQUIFAX INC COMMON STOCK 294429105 376 14905 SH SHARED 14905 0 0
EQUIFAX INC COMMON STOCK 294429105 455 18000 SH OTHER 18000 0 0
EQUITY RESIDENTIAL PPTYS TR COMMON STOCK 29476L107 182 4530 SH SHARED 4530 0 0
EQUITY RESIDENTIAL PPTYS TR COMMON STOCK 29476L107 27 666 SH OTHER 666 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 27972 358902 SH SHARED 331189 0 27713
EXXON MOBIL CORP COMMON STOCK 30231G102 14797 189858 SH OTHER 171041 190 18627
FEDERAL HOME LN MTG CORP COM COMMON STOCK 313400301 687 15555 SH SHARED 15555 0 0
FEDERAL HOME LN MTG CORP COM COMMON STOCK 313400301 4 100 SH OTHER 0 0 100
FEDERAL MOGUL CORP COMMON STOCK 313549107 247 14800 SH SHARED 14800 0 0
FEDERAL MOGUL CORP COMMON STOCK 313549107 2 100 SH OTHER 100 0 0
FEDERAL NATL MTG ASSN COM COMMON STOCK 313586109 3896 68888 SH SHARED 57438 0 11450
FEDERAL NATL MTG ASSN COM COMMON STOCK 313586109 302 5339 SH OTHER 4888 0 451
FEDEX CORP COMMON STOCK 31428X106 388 10000 SH SHARED 10000 0 0
FEDEX CORP COMMON STOCK 31428X106 31 800 SH OTHER 800 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 1182 18767 SH SHARED 18767 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 2452 38927 SH OTHER 38927 0 0
FIRST DATA CORP COMMON STOCK 319963104 2387 53795 SH SHARED 52895 0 900
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<PAGE>
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<PAGE>
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<PAGE>
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<PAGE>
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<PAGE>
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<PAGE>
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SAFECO CORP COMMON STOCK 786429100 27 1000 SH OTHER 1000 0 0
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SAFEWAY INC COMMON STOCK 786514208 23 500 SH OTHER 500 0 0
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<PAGE>
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<PAGE>
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<PAGE>
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WISCONSIN ENERGY CORP COMMON STOCK 976657106 37 1850 SH OTHER 1700 0 150
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WRIGLEY WM JR CO COMMON STOCK 982526105 77 1000 SH OTHER 1000 0 0
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BP AMOCO P L C COMMON STOCK 055622104 10179 191158 SH SHARED 188436 0 2722
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<PAGE>
ELAN CORP PLC ADR COMMON STOCK 284131208 1 31 SH OTHER 0 0 31
ERICSSON L M TEL CO ADR COMMON STOCK 294821400 4068 43359 SH SHARED 43259 0 100
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A MUNIYIELD MICH FD INC A COM OTHER 626300107 72 6400 SH SHARED N.A. N.A. N.A.
A MUNIYIELD MICH FD INC A COM OTHER 626300107 49 4380 SH OTHER N.A. N.A. N.A.
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MS DW QUALITY MUN INCOME TR OTHER 61745P734 6 429 SH OTHER N.A. N.A. N.A.
MUNIHOLDINGS INSD FD INC OTHER 625930102 114 10000 SH SHARED N.A. N.A. N.A.
NASDAQ 100 TR UNIT SER 1 OTHER 631100104 2803 25599 SH SHARED N.A. N.A. N.A.
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STANDARD & POORS DEPOSITORY RE OTHER 78462F103 1482 9855 SH OTHER N.A. N.A. N.A.
TRI CONTL CORP COM OTHER 895436103 177 6960 SH SHARED N.A. N.A. N.A.
TRI CONTL CORP COM OTHER 895436103 53 2076 SH OTHER N.A. N.A. N.A.
VAN KAMPEN AMERN CAP MUN OPPOR OTHER 920944105 135 11700 SH SHARED N.A. N.A. N.A.
</TABLE>
