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<PAGE> 1
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Form 13F
Form 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 3-31-99
Check here if Amendment [ x ]; Amendment Number: ________
This Amendment (Check only one.): [ ] is a restatement.
[ ] adds new holdings
entries.
Institutional Investment Manager Filing this Report:
Name: CITIZENS BANK
Address: 328 S. Saginaw St.
Flint, MI 48502
Form 13F File Number: 28-_____________
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 Compliance Officer
Phone: 810-766-7761
Signature, Place, and Date of Signing:
JOYCE L. LEHMAN Flint, Michigan 4-20-99
[Signature] [City, State] [Date]
Report Type (Check only one.):
[x ] 13F HOLDINGS REPORT. (Check here if all holdings of this reporting
manager are reported in this report.)
[ ] 13F NOTICE. (Check here if no holdings reported are in this report,
and all holdings are reported by other reporting manager(s).)
[ ] 13F COMBINATION REPORT. (Check here if a portion of the holdings for
this reporting manager are reported in this report and a portion are
reported by other reporting manager(s).)
List of Other Managers Reporting for this Manager:
[If there are no entries in this list, omit this section.]
Form 13F File Number Name
28-_____________ _________________________________________
[Repeat as necessary.]
<PAGE> 2
Form 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: -0-
Form 13F Information Table Entry Total: 412
Form 13F Information Table Value Total: $ 637,074,460
(thousands)
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
_____ 28-_____________ ______________________________
[Repeat as necessary.]
<PAGE> 3
<TABLE>
<CAPTION>
RUN 04/09/99 CITIZENS BANK PAGE 1
AT 3:33 PM FORM 13F AS OF 04/09/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SPARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
AFLAC CORP COMMON STOCK 001055102 3349534 67412 XX 67412
(FORMERLY AMERICAN
FAMILY CORP)
001O55102 101859 2050 XX 2050
001055102 1450875 29200 XX XX 29200
AMR CORP COMMON STOCK 001765106 541200 8200 XX 8200
A T & T CORP COMMON STOCK 001957109 2340616 27906 XX 27781 125
001957109 5969468 71171 XX 23398 46333 1440
001957109 38583 460 XX XX 260 200
ABBOTT LABS COMMON STOCK 002824100 4608594 89596 XX 89596
002824100 2939036 57138 XX 48538 2900 5700
002824100 2685038 52200 XX XX 52200
AEROQUIP-VICKERS INC COMMON STOCK 007869100 318826 5497 XX 5497
AIMCO RESOURCE INC (15.6% OWNERSHIP) 008999997 120009 36700 XX 36700
AIR PROD & CHEM INC COMMON STOCK 009158106 634083 18247 XX 18247
009158106 53168 1530 XX 1530
009158106 899608 25888 XX XX 25888
AIRTOUCH COMMUNICATIONS INC COMMON STOCK 00949T100 345767 3462 XX 3462
COLUMN TOTALS 26396264
</TABLE>
<PAGE> 4
<TABLE>
<CAPTION>
RUN 04/09/99 CITIZENS BANK PAGE 2
AT 3:33 PM FORM 13F AS OF 04/09/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
00949T100 2282244 22851 XX 4368 18243 240
ALLIED SIGNAL INC COMMON STOCK 019512102 68834 1308 XX 1308
019512102 355324 6752 XX 5752 600 400
ALLSTATE CORP COMMON STOCK 020002101 442466 12164 XX 12164
020002101 145864 4010 XX 1856 1110 1044
AMERICAN ELECTRIC POWER INC COMMON STOCK 025537101 233570 5812 XX 5812
025537101 64943 1616 XX 1216 400
AMERICAN EXPRESS CO COMMON STOCK 025816109 665322 5208 XX 5058 150
025816109 821433 6430 XX 1430 5000
025816109 25550 200 XX XX 200
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 4446404 64208 XX 62158 2050
026609107 6038185 87194 XX 40994 44200 2000
AMERICAN INTL GROUP INC COMMON STOCK 026874107 7419608 58915 XX 58788 127
026874107 1413019 11220 XX 10995 225
AMERITECH CORP NEW COMMON STOCK 030954101 3401684 52485 XX 51885 600
030954101 4943962 76281 XX 18233 56016 2032
COLUMN TOTALS 32768412
</TABLE>
<PAGE> 5
<TABLE>
<CAPTION>
RUN 04/09/99 CITIZENS BANK PAGE 3
AT 3:33 PM FORM 13F AS OF 04/09/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A)(B)(C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 144069 1850 XX 1650 200
035229103 353553 4540 XX 4540
AON CORP COMMON STOCK 037389103 309192 4725 XX 4725
037389103 353232 5398 XX 5398
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 187810 13415 XX 13415
039483102 279370 19955 XX 19955
ASHLAND INC COMMON STOCK 044204105 222413 5400 XX 5400
ASSOCIATES FIRST CAPITAL CORP CL A COMMON 046008108 293349 6412 XX 6412
STOCK
046008108 477539 10438 XX 3022 7416
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 363665 4789 XX 4789
048825103 1601370 21088 XX 8288 10800 2000
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 944213 23100 XX 23100
053015103 621300 15200 XX 14800 400
BP AMOCO PLC SPONSORED 055622104 4933409 49582 XX 49582
ADR
055622104 1644636 16529 XX 14924 1605
055622104 1270715 12771 XX XX 12771
COLUMN TOTALS 13999835
</TABLE>
<PAGE> 6
<TABLE>
<CAPTION>
RUN 04/09/99 CITIZENS BANK PAGE 4
AT 3:33 PM FORM 13F AS OF 04/09/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
BANK ONE CORP COMMON STOCK 06423A103 10162631 180669 XX 180669
06423A103 2648756 47089 XX 42089 5000
BANK ONE CORP PFD PUR UNIT 06423A707 5050 200 XX 200
7 .50%
06423A707 318150 12600 XX 600 10000 2000
BANKAMERICA CORP COMMON STOCK 06605F102 185241 2474 XX 2474
NEW
06605F102 1446585 19320 XX 8004 11316
BAXTER INTL INC COMMON STOCK 071813109 117225 1800 XX 1800
071813109 400454 6149 XX 1049 5100
BELL ATLANTIC CORP COMMON STOCK 077853109 2066827 37451 XX 37451
077853109 5110418 92601 XX 25019 65198 2384
BELLSOUTH CORP COMMON STOCK 079860102 2313713 52140 XX 52140
079860102 5176743 116659 XX 31815 83768 1076
BESTFOODS INC COMMON STOCK 08658U101 351912 7568 XX 7568
08658U101 179769 3866 XX 3066 800
BLACK & DECKER COMMON STOCK 091797100 1684881 30290 XX 30290
091797100 8900 160 XX 160
COLUMN TOTALS 32177255
</TABLE>
<PAGE> 7
<TABLE>
<CAPTION>
RUN 04/09/99 CITIZENS BANK PAGE 5
AT 3:33 PM FORM 13F AS OF 04/09/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
BOEING CO COMMON STOCK 097023105 168970 4880 XX 4880
097023105 1852611 53505 XX 23760 29225 520
THE BRIGGS CO CTF #6 DTD 109055558 250000 500 XX 500
10/11/83
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 2426112 37908 XX 37484 400 24
110122108 4292352 67068 XX 43700 20968 2400
BURLINGTON NORTHN SANTA FE CORP COMMON STOCK 12189TI04 177101 5589 XX 5589
12189T104 126148 3981 XX 3981
CMS ENERGY CORP COMMON STOCK 125896100 213786 5328 XX 5228 100
125896100 356150 8876 XX 7388 1288 200
125896100 4013 100 XX XX 100
CSX CORP COMMON STOCK 126408103 37105 956 XX 956
126408103 342443 8823 XX 7223 1600
CAROLINA PWR & LT CO COMMON STOCK 144141108 107627 2823 XX 2698 125
144141108 274500 7200 XX 6200 1000
CATERPILLAR TRACTOR CO COMMON STOCK 149123101 325885 6702 XX 6702
149123101 77508 1594 XX 1194 400
COLUMN TOTALS 11032311
</TABLE>
<PAGE> 8
<TABLE>
<CAPTION>
RUN 04/09/99 CITIZENS BANK PAGE 6
AT 3:33 PM FORM 13F AS OF 04/09/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A)(B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
149123101 525150 10800 XX XX 10800
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 39544 450 XX 450
16161A108 175750 2000 XX 2000
CHEVRON CORP COMMON STOCK 166751107 1528313 16302 XX 16302
166751107 919500 9808 XX 9388 420
166751107 18750 200 XX XX 200
CINCINNATI FINANCIAL CORP COMMON STOCK 172062101 22575 600 XX 600
172062101 1866614 49611 XX XX 49611
CISCO SYS INC COMMON STOCK 17275R102 2919100 24817 XX 24817
17275R102 1048862 8917 XX 7517 200 1200
17275R102 16468 140 XX XX 140
CITIGROUP INC COMMON STOCK 172967101 93367 1279 XX 1279
172967101 484866 6642 XX 6642
CITIZENS BKG CORP MI COMMON 174420109 32752271 919362 XX 860033 450 58879
STOCK
174420109 18515346 519729 XX 382273 71890 65566
174420109 337903 9485 XX XX 1485 8000
COLUMN TOTALS 61264379
</TABLE>
<PAGE> 9
<TABLE>
<CAPTION>
RUN 04/09/99 CITIZENS BANK PAGE 7
AT 3:33 PM FORM 13F AS OF 04/09/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
COCA-COLA CO DELAWARE 191216100 1478532 24288 XX 24088 200
COMMON STOCK
191216100 1504039 24707 XX 24007 700
191216100 24350 400 XX XX 400
COLGATE PALMOLIVE CO COMMON STOCK 194162103 533750 5600 XX 5600
194162103 233706 2452 XX 2452
COMERICA INC COMMON STOCK 200340107 1457883 22824 XX 22824
200340107 1222057 19132 XX 17077 2055
COMMERCIAL NATL FINL CORP COMMON STOCK 202216107 486150 11575 XX 7147 4428
202216107 624036 14858 XX 14858
COMMUNITY BANCORP INC COMMON STOCK 203992995 588000 3675 XX 3675
COMPAQ COMPUTER CORP COMMON STOCK 204493100 2162862 73008 XX 73008
204493100 138349 4670 XX 4670
204493100 11850 400 XX XX 400
CONSOLIDATED EDISON INC COMMON STOCK 209115104 72500 1600 XX 1600
209115104 146088 3224 XX 2524 700
COOPER INDUSTRIES INC COMMON STOCK 216669101 236250 5400 XX 5400
COLUMN TOTALS 10920402
</TABLE>
<PAGE> 10
<TABLE>
<CAPTION>
RUN 04/09/99 CITIZENS BANK PAGE 8
AT 3:33 PM FORM 13F AS OF 04/09/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A)(B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
216669101 179375 4100 XX 4100
DTE ENERGY COMPANY COMMON STOCK 233331107 279594 7056 XX 7056
233331107 1304455 32920 XX 16932 10500 5488
DAYTON HUDSON CORP COMMON STOCK 239753106 3753303 52910 XX 52910
239753106 1738323 24505 XX 22905 1600
DECKER MFG CORP COMMON STOCK 243498102 202003 3298 XX 3298
DEERE & CO COMMON STOCK 244199105 241713 6100 XX 2100 4000
DENNOS FURNITURE INC COMMON STOCK 247999105 223088 7996 XX 7996
DISNEY WALT CO COMMON STOCK 254687106 2026446 59492 XX 59492
254687106 850200 24960 XX 24960
254687106 1553250 45600 XX XX 45000 600
DOLLAR GENERAL CORP COMMON STOCK 256669102 526140 14220 XX 14220
DOMINION RESOURCES INC COMMON STOCK 257470104 14246 378 XX 378
257470104 192131 5098 XX 4699 399
DOW CHEMICAL CO COMMON STOCK 260543103 1333847 13751 XX 13651 100
260543103 15036358 155014 XX 151748 314 2952
COLUMN TOTALS 29454472
</TABLE>
<PAGE> 11
<TABLE>
<CAPTION>
RUN 04/09/99 CITIZENS BANK PAGE 9
AT 3:33 PM FORM 13F AS OF 04/09/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
260543103 19400 200 XX XX 200
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 1093925 18424 XX 18404 20
263534109 1185719 19970 XX 16770 3200
263534109 39188 660 XX XX 260 400
DUFF & PHELPS UTILS INCOME INC FORMERLY 264324104 112026 10606 XX 606 10000
SELECTEDUTILS INC
COMMON STOCK
EASTMAN KODAK CO COMMON STOCK 277461109 331985 5360 XX 5210 150
277461109 1127201 18199 XX 12424 5775
277461109 12388 200 XX XX 200
EDISON INTL COMMON STOCK 281020107 165750 6800 XX 6800
281020107 326040 13376 XX 13376
ELECTRONIC DATA SYSTEMS CORP NEW COMMON 285661104 432721 8687 XX 8687
STOCK
(FORMERLY GM CL E)
285661104 11548829 231846 XX 9444 214750 7652
285661104 24906 500 XX XX 500
EMERSON ELECTRIC CO COMMON STOCK 291011104 2918096 50312 XX 50312
291011104 635970 10965 XX 8365 2600
ENRON CORP COMMON STOCK 293561106 159844 2500 XX 2500
COLUMN TOTALS 20133988
</TABLE>
<PAGE> 12
<TABLE>
<CAPTION>
RUN 04/09/99 CITIZENS BANK PAGE 10
AT 3:33 PM FORM 13F AS OF 04/09/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
293561106 565847 8850 XX 6000 1000 1850
EQUITY INCOME FD UNIT SER 294700703 236264 1221 XX 1221
AT&T SHS
EXXON CORP COMMON STOCK 302290101 9008975 121333 XX 120708 625
302290101 8261872 111271 XX 96109 10862 4300
302290101 74250 1000 XX XX 600 400
FPL GROUP INC COMMON STOCK 302571104 186193 3370 XX 3370
302571104 348075 6300 XX 6300
FNMA COMMON STOCK 313586109 1238235 17978 XX 17978
313586109 478888 6953 XX 4500 1653 800
FENTURA BANCORP INC COMMON STOCK 314645102 837500 16750 XX 16750
314645102 1034400 20688 XX 9430 11258
FIRST DATA CORP COMMON STOCK 319963104 722946 17213 XX 17213
319963104 29904 712 XX 712
FIRST UNION CORP COMMON STOCK 337358105 2099821 38222 XX 38222
337358105 402143 7320 XX 5220 900 1200
337358105 1615163 29400 XX XX 29400
COLUMN TOTALS 27140476
</TABLE>
<PAGE> 13
<TABLE>
<CAPTION>
RUN 04/09/99 CITIZENS BANK PAGE 11
AT 3:33 PM FORM 13F AS OF 04/09/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
FIRSTENERGY CORP COMMON STOCK 337932107 24734 842 XX 842
337932107 194609 6625 XX 4625 2000
FLA PROGRESS CO COMMON STOCK 341109106 649031 17250 XX 2250 15000
FORD MOTOR CO COMMON STOCK 345370100 1046867 17197 XX 17197
345370100 1183897 19448 XX 6752 12696
FORTUNE BRANDS INC COMMON STOCK 349631101 134725 3400 XX 3400
349631101 250906 6332 XX 6332
GTE CORP COMMON STOCK 362320103 2628086 40510 XX 40210 300
362320103 1237945 19082 XX 15536 100 3446
362320103 1174238 18100 XX XX 18100
GANNETT INC COMMON STOCK 364730101 528320 8128 XX 8128
364730101 142480 2192 XX 2192
364730101 1846000 28400 XX XX 28400
GENERAL ELECTRIC CO COMMON STOCK 369604103 23925707 210105 XX 207889 200 2016
369604103 17377781 152604 XX 99058 48146 5400
369604103 4093237 35945 XX XX 35545 400
COLUMN TOTALS 56438563
</TABLE>
<PAGE> 14
<TABLE>
<CAPTION>
RUN 04/09/99 CITIZENS BANK PAGE 12
AT 3:33 PM FORM 13F AS OF 04/09/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
GENERAL HOUSING CORP CL A COMMON 369777776 3136400 7841 XX 7841
STOCK VOTING
GENERAL MILLS INC COMMON STOCK 370334104 729094 9625 XX 9500 125
370334104 522675 6900 XX 5200 1700
GENERAL MOTORS CORP COMMON STOCK 370442105 3530466 40176 XX 40176
370442105 22528953 256375 XX 41268 202740 12367
370442105 70300 800 XX XX 600 200
GENERAL MOTORS CORP CL H NEW 370442832 33612 621 XX 621
370442832 3101579 57304 XX 1596 53720 1988
GILLETTE CO COMMON STOCK 375766102 1354900 25504 XX 25474 30
375766102 96422 1815 XX 1815
GOODYEAR TIRE & RUBBER CO COMMON STOCK 382550101 100455 1918 XX 1918
382550101 166814 3185 XX 3185
HERCULES INC COMMON STOCK 427056106 953384 38327 XX 38327
427056106 5721 230 XX 230
HEWLETT PACKARD COMMON STOCK 428236103 2364794 33161 XX 33144 17
428236103 673903 9450 XX 8350 500 600
COLUMN TOTALS 39369472
</TABLE>
<PAGE> 15
<TABLE>
<CAPTION>
RUN 04/09/99 CITIZENS BANK PAGE 13
AT 3:33 PM FORM 13F AS OF 04/09/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
HOME DEPOT INC COMMON STOCK 437076102 3759441 56374 XX 56074 300
437076102 919621 13790 XX 13340 450
HONEYWELL INC COMMON STOCK 438506107 1749558 22777 XX 22777
438506107 30725 400 XX 400
HOOPER HILL FARMS, INC COMMON STOCK 438888885 254913 429 XX 429
HUNTINGTON BANCSHARES COMMON STOCK 446150104 951791 29613 XX 29613
446150104 38473 1197 XX 1197
IMC MORTGAGE CO COMMON STOCK 449923101 1250 10000 XX 10000
IMS HEALTH INC COMMON STOCK 449934108 980240 32205 XX 32005 200
449934108 185486 6094 XX 6094
INDUSTRIAL STL COMMON STOCK 4563459A7 480000 12000 XX 12000
INTEL CORP COMMON STOCK 458140100 8888528 67819 XX 67635 184
458140100 3270009 24950 XX 21900 250 2800
458140100 3748388 28600 XX XX 28600
IBM CORP COMMON STOCK 459200101 3308030 17690 XX 17590 100
459200101 3611344 19312 XX 5512 12800 1000
COLUMN TOTALS 32177797
</TABLE>
<PAGE> 16
<TABLE>
<CAPTION>
RUN 04/09/99 CITIZENS BANK PAGE 14
AT 3:33 PM FORM 13F AS OF 04/09/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
459200101 74800 400 XX XX 400
JOHNSON & JOHNSON COMMON STOCK 478160104 4271901 43927 XX 43727 200
478160104 1528284 15715 XX 13715 1500 500
478160104 38900 400 XX XX 400
K MART CORP F/S S KRESGE CO COMMON STOCK 482584109 46436 2825 XX 2825
482584109 199716 12150 XX 10950 1200
KELLOGG CO COMMON STOCK 487836108 366785 10536 XX 10536
487836108 453085 13015 XX 13015
KEYCORP NEW COMMON STOCK 493267108 306146 9836 XX 9836
493267108 12201 392 XX 392
KIMBERLY CLARK CORP COMMON STOCK 494368103 1892875 38434 XX 38434
494368103 454085 9220 XX 7220 600 1400
494368103 1408550 28600 XX XX 28600
KROGER CO COMMON STOCK 501044101 271213 4370 XX 4370
LAKE PAINTING INC CLOSELY HELD 511111114 1428000 84000 XX 84000
LILLY ELI & CO COMMON STOCK 532457108 81420 920 XX 900 20
COLUMN TOTALS 12834397
</TABLE>
<PAGE> 17
<TABLE>
<CAPTION>
RUN 04/09/99 CITIZENS BANK PAGE 15
AT 3:33 PM FORM 13F AS OF 04/09/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
532457108 1267674 14324 XX 4324 10000
LOCKHEED MARTIN CORP COMMON STOCK 539830109 650608 17584 XX 17584
539830109 624486 16878 XX 10358 6520
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 6457368 100995 XX 100421 160 414
549463107 5335329 83446 XX 46358 33952 3136
549463107 53452 836 XX XX 336 500
LUFT FARMS INC CLOSELY HELD 549777779 426484 301 XX 301
COMMON STOCK
MCI WORLDCOM INC COMMON STOCK 55268B106 392577 4477 XX 4477
55268B106 217027 2475 XX 2475
55268B106 3261274 37192 XX XX 37192
MACDONALD BROADCASTING CO CLOSELY HELD 554444448 276268 1614 XX 1614
STOCK
MAHAR TOOL SUPPLY CO COMMON STOCK 558997102 1422148 520 XX 520
MARSH & MCLENNAN COMMON STOCK 571748102 430307 5648 XX 5348 300
MAY DEPARTMENT STORES COMMON STOCK 577778103 466594 11850 XX 11850
577778103 209554 5322 XX 5322
577778103 1039500 26400 XX XX 26400
COLUMN TOTALS 22530650
</TABLE>
<PAGE> 18
<TABLE>
<CAPTION>
RUN 04/09/99 CITIZENS BANK PAGE 16
AT 3:33 PM FORM 13F AS OF 04/09/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
MCDONALDS CORP COMMON STOCK 580135101 2494875 53224 XX 53224
580135101 697781 14886 XX 14486 400
580135101 2681250 57200 XX XX 56800 400
MCKESSON HBOC INC COMMON STOCK 58155Q103 1333161 20851 XX 20851
MEDIAONE GROUP INC COMMON STOCK 58440J104 3677230 5248S XX 52485
58440J104 1334060 19041 XX 870 17931 240
MEDIAONE GROUP INC PFD SER D 58440J203 1989718 14276 XX 14276
MEDTRONIC COMMON STOCK 585055106 6184340 87257 XX 86883 374
585055106 366424 5170 XX 3390 780 1000
585055106 5848513 S4300 XX XX 54300
MERCK & CO INC COMMON STOCK 589331107 10034651 122936 XX 122536 400
589331107 7089784 86858 XX 40784 42674 3400
589331107 32650 400 XX XX 400
MERRILL LYNCH & CO INC COMMON STOCK 590188108 1538032 15856 XX 15856
590188108 67900 700 XX 700
MICROSOFT CORP COMMON STOCK 594918104 12107026 128032 XX 128032
COLUMN TOTALS 55477395
</TABLE>
<PAGE> 19
<TABLE>
<CAPTION>
RUN 04/09/99 CITIZENS BANK PAGE 17
AT 3:33 PM FORM 13F AS OF 04/09/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
594918104 6967365 73680 XX 66380 6500 800
594918104 5522450 58400 XX XX 58400
MILLER TOOL & DIE CO COMMON STOCK 5982099A4 10289 15330 XX 15330
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 974018 13587 XX 13437 150
604059105 1341775 18717 XX 16817 1900
604059105 14338 200 XX XX 200
MOBIL CORP COMMON STOCK 607059102 4620769 49619 XX 49619
607059102 3268967 35103 XX 30231 1840 3032
MONSANTO CO COMMON STOCK 611662107 1123343 24655 XX 24080 575
611662107 1416083 31080 XX 30280 800
MORAINE LAND CO COMMON STOCK 615999109 54000 13500 XX 13500
MORGAN J P & CO COMMON STOCK 616880100 52000 400 XX 400
616880100 235040 1808 XX 1408 400
MORGAN STANLEY DEAN WITTER & CO NEW COMMON 617446448 275630 2564 XX 2564
STOCK
617446448 76433 711 XX 312 39 360
NATIONAL CITY CORP COM 635405103 687551 10074 XX 10074
COLUMN TOTALS 26640051
</TABLE>
<PAGE> 20
<TABLE>
<CAPTION>
RUN 04/09/99 CITIZENS BANK PAGE 18
AT 3:33 PM FORM 13F AS OF 04/09/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
635405103 542519 7949 XX 7949
NEWELL RUBBERMAID INC COMMON STOCK 651229106 2451100 50800 XX 50800
651229106 134521 2788 XX 2588 200
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 359100 13680 XX 13380 300
655844108 133088 5070 XX 3720 1350
NORTHERN STS PWR CO MINN COMMON STOCK 665772109 146336 6294 XX 6294
665772109 55800 2400 XX 2400
NORTHERN TELECOM LTD FOREIGN STOCK 665815106 212800 2800 XX 2800
NUCOR CORP COMMON STOCK 670346105 233238 4700 XX 4700
OGE ENERGY CORP COMMON STOCK 670837103 499459 21540 XX 1540 20000
OAK PRODUCTS INC COMMON STOCK 671699999 1353750 114 XX 114
OLD KENT FINANCIAL CORP COMMON STOCK 679833103 402600 8788 XX 7738 1050
P P & L RES INC COMMON STOCK 693499105 12787 499 XX 499
693499105 365823 14276 XX 3276 10000 1000
PAXSON OIL COMPANY COMMON STOCK 704444447 1270861 1111 XX 1111
PENNEY J C INC COMMON STOCK 708160106 244106 5972 XX 5872 100
COLUMN TOTALS 8417888
</TABLE>
<PAGE> 21
<TABLE>
<CAPTION>
RUN 04/09/99 CITIZENS BANK PAGE 19
AT 3:33 PM FORM 13F AS OF 04/09/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
708160106 510529 12490 XX 6490 5000 1000
PENNZENERGY COMPANY COMMON STOCK 70931Q109 2350 238 XX 238
70931Q109 99422 10068 XX 68 10000
PENNZOIL-QUAKER ST CO COMMON STOCK 709323109 2811 238 XX 238
709323109 118928 10068 XX 68 10000
PEPSICO INC COMMON STOCK 713448108 3494799 90774 XX 90774
713448108 990990 25740 XX 22776 630 2334
713448108 13668 355 XX XX 355
PERRY PRINTING 714622222 3205290 641058 XX 641058
COMPANY PFDPAR VALUE$5.00
PHARMACIA & UPJOHN INC COMMON STOCK 716941109 137745 2215 XX 2215
716941109 335813 5400 XX 5400
PFIZER INC COMMON STOCK 717081103 7439083 52227 XX 52207 20
717081103 5046846 35432 XX 32032 3000 400
PHILIP MORRIS COS INC COMMON STOCK 718154107 4375873 127530 XX 122080 5450
718154107 2352293 68555 XX 61529 7026
718154107 1204369 35100 XX XX 35100
COLUMN TOTALS 29330809
</TABLE>
<PAGE> 22
<TABLE>
<CAPTION>
RUN 04/09/99 CITIZENS BANK PAGE 20
AT 3:33 PM FORM 13F AS OF 04/09/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
PHILLIPS PETROLEUM CO COMMON STOCK 718507106 232324 4815 XX 4461 354
718507106 17370 360 XX 360
PITNEY BOWES COMMON STOCK 724479100 50550 800 XX 800
724479100 686469 10864 XX 10464 400
PROCTER & GAMBLE CO COMMON STOCK 742718109 7098241 70454 XX 70454
742718109 3695409 36679 XX 26215 10464
742718109 40300 400 XX XX 400
RAYTHEON CO CL A 755111309 69376 1191 XX 1191
755111309 2765361 47474 XX 2304 43046 2124
755111309 2913 50 XX XX 38 12
RAYTHEON CO CL B COMMON 755111408 477900 8100 XX 7800 300
STOCK
755111408 222194 3766 XX 3766
REMER PLUMBING AND HEATING INC PREFERRED 759466998 256000 2560 XX 2560
STOCK
RELIANT ENERGY INC COMMON STOCK 75952J108 85224 3216 XX 3216
75952J108 177577 6701 XX 701 5000 1000
ROCKWELL INTL CORP NEW COMMON STOCK 773903109 71663 1560 XX 1560
COLUMN TOTALS 15948871
</TABLE>
<PAGE> 23
<TABLE>
<CAPTION>
RUN 04/09/99 CITIZENS BANK PAGE 21
AT 3:33 PM FORM 13F AS OF 04/09/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
773903109 188987 4114 XX 4114
ROYAL DUTCH PETROLEUM CO NY REGISTRY 780257804 2405031 45593 XX 45593
SH PAR NGLDR 1.25
780257804 582096 11035 XX 11035
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 3181696 60032 XX 60032
78387G103 6266190 118230 XX 28174 88358 1698
78387G103 20458 386 XX XX 386
SAFEWAY INC NEW COMMON 786514208 953992 18346 XX 18346
STOCK
786514208 6240 120 XX 120
SAGINAW ROCK PRODUCTS COMMON STOCK 786999102 626056 16523 XX 16523
SARA LEE CORP COMMON STOCK 803111103 2281361 97860 XX 97860
803111103 290800 12474 XX 10874 1600
SCHERING-PLOUGH CORP COMMON STOCK 806605101 1462286 24706 XX 24706
806605101 359268 6070 XX 3770 2300
SCHLUMBERGER LTD COMMON STOCK 806857108 1728005 30686 XX 30686
806857108 123888 2200 XX 2050 150
SEARS ROEBUCK & CO COMMON STOCK 812387108 330054 7294 XX 7294
COLUMN TOTALS 20806408
</TABLE>
<PAGE> 24
<TABLE>
<CAPTION>
RUN 04/09/99 CITIZENS BANK PAGE 22
AT 3:33 PM FORM 13F AS OF 04/09/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
812387108 108555 2399 XX 1737 100 562
SERVICE CORP INTL COMMON STOCK 817565104 174088 11369 XX 11369
SHELL TRANSPORT & TRADING PLC NEW YORK 822703609 252674 6307 XX 6307
SHS NEW REISSUED#052961
SIMPSON INDUSTRIES COMMON STOCK 829060102 1128278 121976 XX 121976
SOUTHERN CO COMMON STOCK 842587107 278789 11556 XX 11556
842587107 607950 25200 XX 24800 400
SPARTON CORP COMMON STOCK 847235108 354050 56648 XX 56648
SPRINT CORP COMMON STOCK 852061100 32625 300 XX 300
852061100 911108 8378 XX 100 8278
SPRINT CORP PCS GROUP 852061506 8494 150 XX 150
852061506 237146 4188 XX 50 4138
STATE STREET CORP COMMON STOCK 857477103 2979404 33243 XX 33243
857477103 176561 1970 XX 270 1700
SUN MICROSYSTEMS INC COMMON STOCK 866810104 4833400 33800 XX 33800
866810104 645788 4516 XX 3816 700
SUNTRUST BKS INC COMMON STOCK 867914103 539049 7855 XX 7855
COLUMN TOTALS 13267959
</TABLE>
<PAGE> 25
<TABLE>
<CAPTION>
RUN 04/09/99 CITIZENS BANK PAGE 23
AT 3:33 PM FORM 13F AS OF 04/09/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
867914103 27450 400 XX 400
SYSCO CORP COMMON STOCK 871829107 14678 550 XX 550
871829107 366153 13720 XX 13720
TECO ENERGY INC COMMON STOCK 872375100 266063 12900 XX 900 10000 2000
TELESPHERE COMMUNICATIONS INC (CO FILED 879908101 0 10000 XX 10000
CHAPT 11)
TEMPLETON FDS INC WORLD FD 880196100 215853 12660 XX 12660
CL I
TEXACO INC COMMON STOCK 881694103 1512761 26195 XX 25995 200
881694103 1593034 27585 XX 15185 10200 2200
TEXAS UTILITIES COMMON STOCK 882848104 108550 2600 XX 2600
882848104 521875 12500 XX 2400 10100
TORO CO COMMON STOCK 891092108 1035702 33545 XX 33545
TRANS-INDUSTRIES INC COMMON STOCK 893239103 257991 42121 XX 42121
TRANSAMERICA CORP COMMON STOCK 893485102 1568201 21724 XX 21724
893485102 92111 1276 XX 1276
US BANCORP COMMON STOCK 902973106 1726197 48117 XX 48117
902973106 61705 1720 XX 1720
COLUMN TOTALS 9368324
</TABLE>
<PAGE> 26
<TABLE>
<CAPTION>
RUN 04/09/99 CITIZENS BANK PAGE 24
AT 3:33 PM FORM 13F AS OF 04/09/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
UNION CAMP CORP COMMON STOCK 905530101 392350 5600 XX 600 5000
UNION PACIFIC CORP COMMON STOCK 907818108 92813 1800 XX 1800
907818108 150563 2920 XX 540 1100 1280
US WEST INC COMMON STOCK 91273H101 813370 14476 XX 14476
91273H101 1486834 26462 XX 7800 18416 246
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 1844472 13784 XX 13784
913017109 239792 1792 XX 1792
913017109 2917113 21800 XX XX 21800
WAL-MART STORES INC COMMON STOCK 931142103 2479665 24251 XX 24251
931142103 1077613 10539 XX 10339 200
WALBRO CORP COMMON STOCK 931154108 278723 31854 XX 31854
931154108 5819 665 XX 665
WALGREEN CO COMMON STOCK 931422109 1306413 46762 XX 46762
931422109 89400 3200 XX 2400 800
WARNER LAMBERT CO COMMON STOCK 934488107 1076112 15264 XX 15264
934488107 1374609 19498 XX 18418 1080
COLUMN TOTALS 15625661
</TABLE>
<PAGE> 27
<TABLE>
<CAPTION>
RUN 04/09/99 CITIZENS BANK PAGE 25
AT 3:33 PM FORM 13F AS OF 04/09/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
WASTE MGMT INC DEL COM 94106L109 103299 2261 XX 2261
94106L109 168450 3687 XX 3468 219
WELLS FARGO & CO NEW COMMON STOCK 949746101 1321986 33468 XX 22050 11418
949746101 711790 18020 XX 6860 10000 1160
WEYERHAEUSER CO COMMON STOCK 962166104 41869 725 XX 600 125
962166104 1565372 27106 XX 21106 5000 1000
WISCONSIN ENERGY CORP COMMON STOCK 976657106 161270 6173 XX 6173
976657106 80988 3100 XX 3100
XEROX CORP COMMON STOCK 984121103 3302303 54810 XX 54810
984121103 1642656 27264 XX 24864 1800 600
DAIMLERCHRYSLER AG FOREIGN STOCK D1668R123 52594 561 XX 561
D1668R123 699094 7457 XX 2304 5153
COLUMN TOTALS 9851671
AGGREGATE TOTAL 633373710
</TABLE>
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