UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 6/30/00
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:
KENNETH C. KREI GRAND RAPIDS, MI 8/11/00
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: 777
FORM 13F INFORMATION TABLE VALUE TOTAL: $1,922,213
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.
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> <C>
ABBOTT LABS COMMON STOCK 002824100 16567 371765 SH DEFINED 368245 0 3520
ABBOTT LABS COMMON STOCK 002824100 8035 180318 SH OTHER 150268 0 30050
ADAMS EXPRESS CO COM COMMON STOCK 006212104 268 7259 SH DEFINED 7259 0 0
ADAMS EXPRESS CO COM COMMON STOCK 006212104 194 5249 SH OTHER 3710 0 1539
ADAPTEC INC COMMON STOCK 00651F108 260 11450 SH DEFINED 11450 0 0
ADAPTEC INC COMMON STOCK 00651F108 104 4550 SH OTHER 4550 0 0
ADC TELECOMMUNICATIONS INC COMMON STOCK 000886101 1759 20970 SH DEFINED 20970 0 0
ADC TELECOMMUNICATIONS INC COMMON STOCK 000886101 17 200 SH OTHER 0 0 200
ADOBE SYS INC COMMON STOCK 00724F101 506 3895 SH DEFINED 3895 0 0
ADVANCED MICRO DEVICES INC COMMON STOCK 007903107 357 4625 SH DEFINED 4625 0 0
AES CORP COMMON STOCK 00130H105 292 6400 SH DEFINED 6400 0 0
AETNA INC COMMON STOCK 008117103 302 4698 SH DEFINED 4698 0 0
AETNA INC COMMON STOCK 008117103 171 2661 SH OTHER 2661 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 2040 27663 SH DEFINED 26947 0 716
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 243 3291 SH OTHER 2949 0 342
AIR PRODS & CHEMS INC COMMON STOCK 009158106 277 9000 SH DEFINED 7200 0 1800
AK STL HLDG CORP COMMON STOCK 001547108 160 20000 SH DEFINED 20000 0 0
ALBERTSONS INC COMMON STOCK 013104104 530 15933 SH DEFINED 15833 0 100
ALBERTSONS INC COMMON STOCK 013104104 146 4395 SH OTHER 4395 0 0
ALCOA INC COMMON STOCK 013817101 2014 69438 SH DEFINED 68198 0 1240
ALCOA INC COMMON STOCK 013817101 246 8474 SH OTHER 8324 0 150
ALLIANT CORP COMMON STOCK 018802108 207 7943 SH DEFINED 7943 0 0
ALLIANT CORP COMMON STOCK 018802108 35 1343 SH OTHER 1343 0 0
ALLSTATE CORP COMMON STOCK 020002101 7212 324142 SH DEFINED 292476 0 31666
ALLSTATE CORP COMMON STOCK 020002101 8030 360890 SH OTHER 285710 0 75180
ALLTEL CORP COMMON STOCK 020039103 749 12091 SH DEFINED 11491 0 600
ALLTEL CORP COMMON STOCK 020039103 97 1567 SH OTHER 1567 0 0
ALTERA CORP COMMON STOCK 021441100 242 2375 SH DEFINED 2375 0 0
ALTERA CORP COMMON STOCK 021441100 224 2200 SH OTHER 2200 0 0
ALZA CORP COMMON STOCK 022615108 384 6500 SH DEFINED 6500 0 0
ALZA CORP COMMON STOCK 022615108 27 450 SH OTHER 450 0 0
AMCORE FINL INC COMMON STOCK 023912108 361 19728 SH OTHER 19728 0 0
AMERADA HESS CORP COMMON STOCK 023551104 192 3103 SH DEFINED 3103 0 0
AMERADA HESS CORP COMMON STOCK 023551104 91 1468 SH OTHER 1468 0 0
AMEREN CORP COMMON STOCK 023608102 301 8916 SH DEFINED 7666 0 1250
AMEREN CORP COMMON STOCK 023608102 347 10271 SH OTHER 8553 0 1718
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 6970 132281 SH DEFINED 128381 0 3900
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 819 15545 SH OTHER 13139 0 2406
AMERICAN AXLE & MFG HLDGS INC COMMON STOCK 024061103 4331 305250 SH DEFINED 305250 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 454 15319 SH DEFINED 15059 0 260
AMERICAN ELEC PWR INC COMMON STOCK 025537101 404 13633 SH OTHER 13483 0 150
AMERICAN EXPRESS CO COMMON STOCK 025816109 4172 80030 SH DEFINED 77030 0 3000
AMERICAN EXPRESS CO COMMON STOCK 025816109 973 18673 SH OTHER 18673 0 0
<PAGE>
AMERICAN GEN CORP COMMON STOCK 026351106 935 15328 SH DEFINED 15328 0 0
AMERICAN GEN CORP COMMON STOCK 026351106 180 2944 SH OTHER 2944 0 0
AMERICAN HOME PRODS CORP COMMON STOCK 026609107 6147 104637 SH DEFINED 103437 0 1200
AMERICAN HOME PRODS CORP COMMON STOCK 026609107 2078 35369 SH OTHER 31899 0 3470
AMERICAN INTL GROUP INC COMMON STOCK 026874107 14318 121852 SH DEFINED 113877 0 7975
AMERICAN INTL GROUP INC COMMON STOCK 026874107 1943 16539 SH OTHER 16293 0 246
AMERICAN PWR CONVERSION CORP COMMON STOCK 029066107 122 3000 SH DEFINED 3000 0 0
AMERICAN PWR CONVERSION CORP COMMON STOCK 029066107 133 3250 SH OTHER 2500 0 750
AMGEN INC COMMON STOCK 031162100 2249 32010 SH DEFINED 31810 0 200
AMGEN INC COMMON STOCK 031162100 566 8059 SH OTHER 7659 0 400
AMR CORP DEL COMMON STOCK 001765106 219 8293 SH DEFINED 8293 0 0
AMR CORP DEL COMMON STOCK 001765106 21 800 SH OTHER 800 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 640 8415 SH DEFINED 8415 0 0
ANDREW CORP COMMON STOCK 034425108 845 25175 SH DEFINED 25175 0 0
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 2108 28229 SH DEFINED 26629 0 1600
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 293 3920 SH OTHER 2720 0 1200
AON CORP COMMON STOCK 037389103 397 12790 SH DEFINED 11503 0 1287
AON CORP COMMON STOCK 037389103 847 27262 SH OTHER 27112 0 150
APACHE CORP COMMON STOCK 037411105 1041 17700 SH DEFINED 17700 0 0
APACHE CORP COMMON STOCK 037411105 168 2859 SH OTHER 2859 0 0
APHTON CORP COMMON STOCK 03759P101 212 8217 SH DEFINED 8217 0 0
APPLE COMPUTER INC COMMON STOCK 037833100 538 10270 SH DEFINED 10270 0 0
APPLE COMPUTER INC COMMON STOCK 037833100 126 2400 SH OTHER 2400 0 0
APPLIED MATLS INC COMMON STOCK 038222105 2203 24305 SH DEFINED 24305 0 0
APPLIED MATLS INC COMMON STOCK 038222105 2395 26425 SH OTHER 26425 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 93 9467 SH DEFINED 3567 0 5900
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 92 9385 SH OTHER 4031 0 5354
ASSOCIATES FIRST CAP CORP COMMON STOCK 046008108 897 40181 SH DEFINED 40181 0 0
ASSOCIATES FIRST CAP CORP COMMON STOCK 046008108 212 9495 SH OTHER 7445 0 2050
AT & T CORP COMMON STOCK 001957109 10420 329499 SH DEFINED 305040 0 24459
AT & T CORP COMMON STOCK 001957109 4035 127589 SH OTHER 91616 607 35366
ATLAS PIPELINE PARTNERS L P COMMON STOCK 049392103 262 19000 SH DEFINED 19000 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 9621 179622 SH DEFINED 161772 0 17850
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 894 16695 SH OTHER 15997 0 698
AVENUE ENTMT GROUP INC COMMON STOCK 053577102 24 13000 SH DEFINED 13000 0 0
AVERY DENNISON CORP COMMON STOCK 053611109 484 7210 SH DEFINED 7210 0 0
AVERY DENNISON CORP COMMON STOCK 053611109 74 1100 SH OTHER 1100 0 0
AVON PRODS INC COMMON STOCK 054303102 231 5200 SH DEFINED 5200 0 0
AVON PRODS INC COMMON STOCK 054303102 73 1630 SH OTHER 1410 0 220
BALLARD PWR SYS INC COMMON STOCK 05858H104 269 3000 SH OTHER 3000 0 0
BANK NEW YORK INC COMMON STOCK 064057102 1214 26100 SH DEFINED 26100 0 0
BANK NEW YORK INC COMMON STOCK 064057102 155 3334 SH OTHER 654 0 2680
BANK OF AMERICA CORP COMMON STOCK 060505104 3035 70571 SH DEFINED 70281 0 290
BANK OF AMERICA CORP COMMON STOCK 060505104 632 14708 SH OTHER 14436 0 272
BANK ONE CORP COMMON STOCK 06423A103 3018 113631 SH DEFINED 106655 0 6976
BANK ONE CORP COMMON STOCK 06423A103 3218 121147 SH OTHER 117858 0 3289
BAXTER INTL INC COMMON STOCK 071813109 1311 18649 SH DEFINED 17926 0 723
BAXTER INTL INC COMMON STOCK 071813109 627 8918 SH OTHER 8468 300 150
BELL ATLANTIC CORP COMMON STOCK 077853109 5614 110483 SH DEFINED 109201 0 1282
BELL ATLANTIC CORP COMMON STOCK 077853109 2903 57127 SH OTHER 50359 0 6768
<PAGE>
BELLSOUTH CORP COMMON STOCK 079860102 7479 175470 SH DEFINED 174038 0 1432
BELLSOUTH CORP COMMON STOCK 079860102 3702 86842 SH OTHER 79682 0 7160
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670108 117 2 SH DEFINED 2 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670108 645 11 SH OTHER 11 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670207 86 49 SH DEFINED 48 0 1
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670207 128 73 SH OTHER 33 0 40
BEST BUY INC COMMON STOCK 086516101 411 6500 SH DEFINED 6500 0 0
BEST BUY INC COMMON STOCK 086516101 76 1200 SH OTHER 1100 0 100
BESTFOODS COMMON STOCK 08658U101 2361 34098 SH DEFINED 33088 0 1010
BESTFOODS COMMON STOCK 08658U101 1610 23244 SH OTHER 23044 0 200
BIO-PLEXUS INC COMMON STOCK 09057C106 63 25000 SH DEFINED 25000 0 0
BIOGEN INC COMMON STOCK 090597105 730 11324 SH DEFINED 11224 0 100
BIOGEN INC COMMON STOCK 090597105 131 2030 SH OTHER 2030 0 0
BIOMET INC COMMON STOCK 090613100 1303 33903 SH DEFINED 33103 0 800
BIOMET INC COMMON STOCK 090613100 4089 106375 SH OTHER 106375 0 0
BMC SOFTWARE INC COMMON STOCK 055921100 255 7000 SH DEFINED 7000 0 0
BMC SOFTWARE INC COMMON STOCK 055921100 27 730 SH OTHER 630 0 100
BOEING CO COMMON STOCK 097023105 2661 63642 SH DEFINED 61492 0 2150
BOEING CO COMMON STOCK 097023105 455 10892 SH OTHER 10492 0 400
BOSTON SCIENTIFIC CORP COMMON STOCK 101137107 815 37140 SH DEFINED 37140 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 17577 301750 SH DEFINED 279628 0 22122
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 7161 122938 SH OTHER 105022 0 17916
BROADWING INC COMMON STOCK 111620100 216 8316 SH DEFINED 8016 0 300
BROADWING INC COMMON STOCK 111620100 147 5650 SH OTHER 5450 0 200
BROWN FORMAN CORP COMMON STOCK 115637209 323 6000 SH DEFINED 6000 0 0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK 12189T104 215 9387 SH DEFINED 9387 0 0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK 12189T104 110 4788 SH OTHER 4788 0 0
BURLINGTON RES INC COMMON STOCK 122014103 309 8070 SH DEFINED 8070 0 0
BURLINGTON RES INC COMMON STOCK 122014103 105 2742 SH OTHER 2628 0 114
CAMPBELL SOUP CO COMMON STOCK 134429109 697 23925 SH DEFINED 23925 0 0
CAMPBELL SOUP CO COMMON STOCK 134429109 52 1800 SH OTHER 1800 0 0
CAPITAL ONE FINL CORP COMMON STOCK 14040H105 234 5240 SH DEFINED 5240 0 0
CAPITAL ONE FINL CORP COMMON STOCK 14040H105 9 200 SH OTHER 200 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 2357 31851 SH DEFINED 31275 0 576
CARDINAL HEALTH INC COMMON STOCK 14149Y108 173 2332 SH OTHER 2156 0 176
CARNIVAL CORP COMMON STOCK 143658102 390 20000 SH DEFINED 19600 0 400
CARNIVAL CORP COMMON STOCK 143658102 20 1000 SH OTHER 100 0 900
CATERPILLAR INC COMMON STOCK 149123101 450 13278 SH DEFINED 13278 0 0
CATERPILLAR INC COMMON STOCK 149123101 178 5240 SH OTHER 5240 0 0
CENDANT CORP COMMON STOCK 151313103 390 27850 SH DEFINED 27850 0 0
CENDANT CORP COMMON STOCK 151313103 57 4040 SH OTHER 3360 0 680
CENTURYTEL INC COMMON STOCK 156700106 616 21443 SH DEFINED 21443 0 0
CENTURYTEL INC COMMON STOCK 156700106 67 2332 SH OTHER 2332 0 0
CHARTER ONE FINL INC COMMON STOCK 160903100 107 4665 SH DEFINED 4665 0 0
CHARTER ONE FINL INC COMMON STOCK 160903100 256 11145 SH OTHER 11145 0 0
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 7243 157233 SH DEFINED 142757 0 14476
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 996 21617 SH OTHER 21419 0 198
CHEVRON CORP COMMON STOCK 166751107 2671 31498 SH DEFINED 27971 0 3527
CHEVRON CORP COMMON STOCK 166751107 1089 12838 SH OTHER 12262 0 576
CHOICEPOINT INC COMMON STOCK 170388102 291 6540 SH DEFINED 6540 0 0
<PAGE>
CHUBB CORP COMMON STOCK 171232101 190 3090 SH DEFINED 2150 0 940
CHUBB CORP COMMON STOCK 171232101 74 1200 SH OTHER 1200 0 0
CIGNA CORP COMMON STOCK 125509109 546 5840 SH DEFINED 5840 0 0
CIGNA CORP COMMON STOCK 125509109 86 922 SH OTHER 922 0 0
CISCO SYS INC COMMON STOCK 17275R102 32226 506994 SH DEFINED 481659 0 25335
CISCO SYS INC COMMON STOCK 17275R102 5656 88976 SH OTHER 77583 0 11393
CITIGROUP INC COMMON STOCK 172967101 16981 281843 SH DEFINED 265786 0 16057
CITIGROUP INC COMMON STOCK 172967101 2698 44773 SH OTHER 40520 0 4253
CITIZENS BKG CORP MICH COMMON STOCK 174420109 178 10982 SH DEFINED 10982 0 0
CITIZENS BKG CORP MICH COMMON STOCK 174420109 2 99 SH OTHER 99 0 0
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK 184502102 2556 34079 SH DEFINED 29779 0 4300
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK 184502102 231 3074 SH OTHER 3058 0 16
CLOROX CO COMMON STOCK 189054109 162 3620 SH DEFINED 3620 0 0
CLOROX CO COMMON STOCK 189054109 72 1600 SH OTHER 1600 0 0
CMS ENERGY CORP COMMON STOCK 125896100 760 34328 SH DEFINED 34328 0 0
CMS ENERGY CORP COMMON STOCK 125896100 35 1594 SH OTHER 1594 0 0
COASTAL CORP COMMON STOCK 190441105 213 3500 SH DEFINED 3500 0 0
COCA COLA CO COMMON STOCK 191216100 8243 143510 SH DEFINED 131260 0 12250
COCA COLA CO COMMON STOCK 191216100 5085 88524 SH OTHER 87512 0 1012
COGNEX CORP COMMON STOCK 192422103 599 11575 SH DEFINED 11575 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 5351 89371 SH DEFINED 89371 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 2097 35022 SH OTHER 34822 0 200
COLUMBIA ENERGY GROUP COMMON STOCK 197648108 344 5242 SH DEFINED 5242 0 0
COLUMBIA ENERGY GROUP COMMON STOCK 197648108 5 75 SH OTHER 75 0 0
COMCAST CORP COMMON STOCK 200300200 2659 65658 SH DEFINED 57658 0 8000
COMCAST CORP COMMON STOCK 200300200 176 4348 SH OTHER 4316 0 32
COMERICA INC COMMON STOCK 200340107 1130 25171 SH DEFINED 25171 0 0
COMERICA INC COMMON STOCK 200340107 485 10801 SH OTHER 10801 0 0
COMPAQ COMPUTER CORP COMMON STOCK 204493100 2360 92322 SH DEFINED 91422 0 900
COMPAQ COMPUTER CORP COMMON STOCK 204493100 524 20498 SH OTHER 19537 0 961
COMPASS BANCSHARES INC COMMON STOCK 20449H109 256 15000 SH DEFINED 15000 0 0
COMPUTER ASSOC INTL INC COMMON STOCK 204912109 1606 31371 SH DEFINED 31371 0 0
COMPUTER ASSOC INTL INC COMMON STOCK 204912109 265 5181 SH OTHER 5081 0 100
COMPUTER SCIENCES CORP COMMON STOCK 205363104 4253 56945 SH DEFINED 46950 0 9995
COMPUTER SCIENCES CORP COMMON STOCK 205363104 395 5295 SH OTHER 4915 0 380
COMPUWARE CORP COMMON STOCK 205638109 280 27000 SH DEFINED 27000 0 0
COMPUWARE CORP COMMON STOCK 205638109 3 300 SH OTHER 300 0 0
COMVERSE TECHNOLOGY INC COMMON STOCK 205862402 326 3500 SH DEFINED 3500 0 0
CONAGRA INC COMMON STOCK 205887102 397 20827 SH DEFINED 17497 0 3330
CONAGRA INC COMMON STOCK 205887102 105 5500 SH OTHER 5500 0 0
CONEXANT SYS INC COMMON STOCK 207142100 596 12265 SH DEFINED 12265 0 0
CONEXANT SYS INC COMMON STOCK 207142100 547 11240 SH OTHER 11240 0 0
CONOCO INC CL A COMMON STOCK 208251306 521 23700 SH DEFINED 23700 0 0
CONOCO INC CL B COMMON STOCK 208251405 546 22214 SH DEFINED 21231 0 983
CONOCO INC CL B COMMON STOCK 208251405 575 23420 SH OTHER 12372 0 11048
CONSOLIDATED EDISON INC COMMON STOCK 209115104 433 14623 SH DEFINED 13023 0 1600
CONSOLIDATED EDISON INC COMMON STOCK 209115104 471 15911 SH OTHER 14486 0 1425
CONSOLIDATED PAPERS INC COMMON STOCK 209759109 316 8652 SH DEFINED 8652 0 0
CONSOLIDATED PAPERS INC COMMON STOCK 209759109 410 11200 SH OTHER 11200 0 0
CONVERGYS CORP COMMON STOCK 212485106 426 8216 SH DEFINED 7916 0 300
<PAGE>
CONVERGYS CORP COMMON STOCK 212485106 293 5650 SH OTHER 5450 0 200
COOPER INDS INC COMMON STOCK 216669101 300 9212 SH DEFINED 9212 0 0
COOPER INDS INC COMMON STOCK 216669101 1021 31361 SH OTHER 31361 0 0
CORNING INC COMMON STOCK 219350105 3716 13770 SH DEFINED 13770 0 0
CORNING INC COMMON STOCK 219350105 540 2000 SH OTHER 2000 0 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105 648 19628 SH DEFINED 19628 0 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105 80 2435 SH OTHER 2435 0 0
CRANE CO COMMON STOCK 224399105 252 10349 SH OTHER 10349 0 0
CVS CORP COMMON STOCK 126650100 538 13443 SH DEFINED 13443 0 0
CVS CORP COMMON STOCK 126650100 629 15730 SH OTHER 12930 0 2800
DAIMLERCHRYSLER AG COMMON STOCK D1668R123 310 5950 SH DEFINED 5359 0 591
DAIMLERCHRYSLER AG COMMON STOCK D1668R123 106 2032 SH OTHER 1908 0 124
DANAHER CORP COMMON STOCK 235851102 331 6689 SH DEFINED 6689 0 0
DANAHER CORP COMMON STOCK 235851102 25 500 SH OTHER 500 0 0
DEAN FOODS CO COMMON STOCK 242361103 1063 33562 SH DEFINED 33562 0 0
DEAN FOODS CO COMMON STOCK 242361103 140 4421 SH OTHER 4421 0 0
DEARBORN BANCORP INC COMMON STOCK 24242R108 69 10200 SH DEFINED 10200 0 0
DEERE & CO COMMON STOCK 244199105 508 13722 SH DEFINED 13722 0 0
DEERE & CO COMMON STOCK 244199105 13 350 SH OTHER 300 0 50
DELL COMPUTER CORP COMMON STOCK 247025109 3025 61350 SH DEFINED 61250 0 100
DELL COMPUTER CORP COMMON STOCK 247025109 370 7505 SH OTHER 5820 0 1685
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 472 32442 SH DEFINED 32442 0 0
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 120 8236 SH OTHER 7649 0 587
DELTA AIR LINES INC DEL COMMON STOCK 247361108 208 4105 SH DEFINED 4105 0 0
DELTA AIR LINES INC DEL COMMON STOCK 247361108 25 500 SH OTHER 500 0 0
DELUXE CORP COMMON STOCK 248019101 19 800 SH DEFINED 800 0 0
DELUXE CORP COMMON STOCK 248019101 1544 65541 SH OTHER 65441 0 100
DEVON ENERGY CORPORATION NEW COMMON STOCK 25179M103 214 3800 SH DEFINED 3800 0 0
DEXTER CORP COMMON STOCK 252165105 288 6000 SH DEFINED 6000 0 0
DIEBOLD INC COMMON STOCK 253651103 456 16360 SH DEFINED 16360 0 0
DIEBOLD INC COMMON STOCK 253651103 43 1550 SH OTHER 1550 0 0
DISNEY WALT COMMON STOCK COMMON STOCK 254687106 7634 196702 SH DEFINED 179652 0 17050
DISNEY WALT COMMON STOCK COMMON STOCK 254687106 1433 36916 SH OTHER 34148 0 2768
DOMINION RES INC VA NEW COMMON STOCK 25746U109 340 7932 SH DEFINED 6348 0 1584
DOMINION RES INC VA NEW COMMON STOCK 25746U109 219 5098 SH OTHER 4735 0 363
DONNELLEY R R & SONS CO COMMON STOCK 257867101 25 1100 SH DEFINED 1100 0 0
DONNELLEY R R & SONS CO COMMON STOCK 257867101 186 8264 SH OTHER 8264 0 0
DOVER CORP COMMON STOCK 260003108 335 8255 SH DEFINED 8255 0 0
DOVER CORP COMMON STOCK 260003108 57 1400 SH OTHER 1400 0 0
DOW CHEM CO COMMON STOCK 260543103 1566 51879 SH DEFINED 50484 0 1395
DOW CHEM CO COMMON STOCK 260543103 845 28005 SH OTHER 13050 0 14955
DTE ENERGY CO COMMON STOCK 233331107 821 26867 SH DEFINED 26521 0 346
DTE ENERGY CO COMMON STOCK 233331107 229 7485 SH OTHER 7485 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 2701 61729 SH DEFINED 60197 0 1532
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 1331 30432 SH OTHER 23277 0 7155
DUKE ENERGY CO COMMON STOCK 264399106 1419 25179 SH DEFINED 23479 0 1700
DUKE ENERGY CO COMMON STOCK 264399106 324 5753 SH OTHER 5231 0 522
DUN & BRADSTREET CORP DEL COMMON STOCK 26483B106 147 5125 SH DEFINED 5125 0 0
DUN & BRADSTREET CORP DEL COMMON STOCK 26483B106 131 4590 SH OTHER 3590 0 1000
E M C CORP MASS COMMON STOCK 268648102 15646 203355 SH DEFINED 178295 0 25060
<PAGE>
E M C CORP MASS COMMON STOCK 268648102 1753 22784 SH OTHER 22212 0 572
EASTMAN CHEM CO COMMON STOCK 277432100 150 3133 SH DEFINED 1933 0 1200
EASTMAN CHEM CO COMMON STOCK 277432100 51 1063 SH OTHER 856 0 207
EASTMAN KODAK CO COMMON STOCK 277461109 1124 18894 SH DEFINED 14833 0 4061
EASTMAN KODAK CO COMMON STOCK 277461109 244 4095 SH OTHER 3147 0 948
EATON CORP COMMON STOCK 278058102 314 4684 SH DEFINED 4684 0 0
EATON CORP COMMON STOCK 278058102 74 1106 SH OTHER 450 0 656
EDISON INTL COMMON STOCK 281020107 287 13986 SH DEFINED 13986 0 0
EDISON INTL COMMON STOCK 281020107 137 6665 SH OTHER 5865 0 800
EL PASO ENERGY CORP DEL COMMON STOCK 283905107 96 1882 SH DEFINED 1882 0 0
EL PASO ENERGY CORP DEL COMMON STOCK 283905107 118 2310 SH OTHER 2310 0 0
ELECTRONIC DATA SYS CORP NEW COMMON STOCK 285661104 638 15469 SH DEFINED 15469 0 0
ELECTRONIC DATA SYS CORP NEW COMMON STOCK 285661104 85 2051 SH OTHER 1555 0 496
EMERSON ELEC CO COMMON STOCK 291011104 3924 64993 SH DEFINED 64713 0 280
EMERSON ELEC CO COMMON STOCK 291011104 611 10125 SH OTHER 5970 0 4155
ENRON CORP COMMON STOCK 293561106 6748 104627 SH DEFINED 96809 0 7818
ENRON CORP COMMON STOCK 293561106 1214 18816 SH OTHER 17201 0 1615
ENTERGY CORP NEW COMMON STOCK 29364G103 438 16125 SH DEFINED 13595 0 2530
ENTERGY CORP NEW COMMON STOCK 29364G103 5 169 SH OTHER 55 0 114
EQUIFAX INC COMMON STOCK 294429105 428 16305 SH DEFINED 15955 0 350
EQUIFAX INC COMMON STOCK 294429105 476 18150 SH OTHER 18150 0 0
EQUITY RESIDENTIAL PPTYS TR COMMON STOCK 29476L107 210 4570 SH DEFINED 4570 0 0
EQUITY RESIDENTIAL PPTYS TR COMMON STOCK 29476L107 31 666 SH OTHER 666 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 28869 367762 SH DEFINED 335723 0 32039
EXXON MOBIL CORP COMMON STOCK 30231G102 14732 187675 SH OTHER 158052 0 29623
FEDERAL HOME LN MTG CORP COM COMMON STOCK 313400301 837 20655 SH DEFINED 20655 0 0
FEDERAL HOME LN MTG CORP COM COMMON STOCK 313400301 4 100 SH OTHER 100 0 0
FEDERAL MOGUL CORP COMMON STOCK 313549107 218 22800 SH DEFINED 22800 0 0
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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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</TABLE>
