UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: October 12, 1999
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: FIRST NATIONAL BANK OF SOUTHWESTERN OHIO
Address: 300 HIGH STREET
HAMILTON, OH 45012
13F File Number:28-1145
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: FRANK M. PETERS
Title: VP/TOO
Phone: 513-867-4827
Signature, Place, and Date Of Signing:
FRANK M. PETERS HAMILTON OH October 12, 1999
Report Type (Check only one.):
[X] 13F HOLDINGS REPORT.
[ ] 13F NOTICE.
[ ] 13F COMBINATION REPORT.
List of Other Managers Reporting for this Manager:
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: 292
Form 13F Information Table Value Total: $%1,323,947,750
List of Other Managers: NONE
<PAGE>
<TABLE>
<CAPTION>
13 F Report Of Managed Assets
Page 1
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Sh/
Investment Other Voting Authority
Name Of Issuer Type Cusip Market Value Shares/PV Prn
Discretion Managers Sole Shared None
================================================================================
====================================================
<S> <C> <C> <C> <C> <C>
<C> <C> <C>
AMFM INC COM Com 001693100 16,469 250 SH
Sole 0 3,750 0 0
AMFM INC COM Com 001693100 230,563 3,500 SH
Other 0 0 0 0
AT & T CORPORATION Com 001957109 1,359,322 28,655 SH
Sole 0 60,757 0 174
AT & T CORPORATION Com 001957109 1,153,538 24,317 SH
Defined 0 0 0 0
AT & T CORPORATION Com 001957109 377,555 7,959 SH
Other 0 0 0 0
ASB FINANCIAL CORP Com 00205P107 313,369 30,950 SH
Other 0 30,950 0 0
ABBOTT LABORATORIES Com 002824100 11,628,991 284,937 SH
Sole 0 318,297 0 0
ABBOTT LABORATORIES Com 002824100 926,852 22,710 SH
Defined 0 0 0 0
ABBOTT LABORATORIES Com 002824100 434,653 10,650 SH
Other 0 0 0 0
ADAMS EXPRESS COMPANY Com 006212104 29,313 1,000 SH
Sole 0 18,130 0 0
ADAMS EXPRESS COMPANY Com 006212104 240,216 8,195 SH
Defined 0 0 0 0
ADAMS EXPRESS COMPANY Com 006212104 261,907 8,935 SH
Other 0 0 0 0
ADVANCE VIRAL RESEARCH CO Com 007928104 4,000 20,000 SH
Sole 0 20,000 0 0
AIR EXPRESS INTERNATIONAL Com 009104100 3,019,952 116,152 SH
Sole 0 147,852 0 0
AIR EXPRESS INTERNATIONAL Com 009104100 824,200 31,700 SH
Defined 0 0 0 0
AIR PRODUCTS & CHEMICALS Com 009158106 63,250 2,000 SH
Sole 0 19,520 0 0
AIR PRODUCTS & CHEMICALS Com 009158106 554,070 17,520 SH
Defined 0 0 0 0
ALBERTSONS INCORPORATED Com 013104104 5,486,958 133,219 SH
Sole 0 140,688 0 174
ALBERTSONS INCORPORATED Com 013104104 298,321 7,243 SH
Defined 0 0 0 0
ALBERTSONS INCORPORATED Com 013104104 16,475 400 SH
Other 0 0 0 0
ALCOA INC Com 013817101 246,500 4,000 SH
Sole 0 6,100 0 0
ALCOA INC Com 013817101 80,113 1,300 SH
Defined 0 0 0 0
ALCOA INC Com 013817101 49,300 800 SH
Other 0 0 0 0
ALLIED-SIGNAL INCORPORATE Com 019512102 55,181 900 SH
Sole 0 5,810 0 0
ALLIED-SIGNAL INCORPORATE Com 019512102 266,709 4,350 SH
Defined 0 0 0 0
ALLIED-SIGNAL INCORPORATE Com 019512102 34,335 560 SH
Other 0 0 0 0
TENDASOFT, INC Com 01HA12297 121,020 16,136 SH
Other 0 16,136 0 0
ATRIGON GOLF, INC. Com 01HA12773 50,000 25,000 SH
Sole 0 25,000 0 0
LEAVER CORP CLASS A COMMO Com 01HA12970 329,526 44 SH
Sole 0 44 0 0
LEVCO INC (43.3%) Com 01HA14557 677,919 1 SH
Sole 0 1 0 0
LEVCO DEVELOPMENT CO INC Com 01HA14558 1,529,778 1 SH
Sole 0 1 0 0
CHARLIE HURST, INC Com 01HA15166 888,720 1,380 SH
Sole 0 1,380 0 0
CENTRI-CAST CORPORATION Com 01HA15692 221,902 171 SH
Sole 0 201 0 0
CENTRI-CAST CORPORATION Com 01HA15692 38,930 30 SH
Defined 0 0 0 0
HAMILTON BRASS & ALUMINUM Com 01HA15693 822,341 580 SH
Sole 0 580 0 0
HYDE'S RESTAURANT, INC. Com 01HA16371 369,817 161 SH
Defined 0 161 0 0
ALLTEL CORPORATION Com 020039103 29,577 397 SH
Sole 0 9,476 0 0
ALLTEL CORPORATION Com 020039103 162,112 2,176 SH
Defined 0 0 0 0
ALLTEL CORPORATION Com 020039103 514,274 6,903 SH
Other 0 0 0 0
AMERICA ONLINE INCORPORAT Com 02364J104 261,897 2,150 SH
Sole 0 6,335 0 0
AMERICA ONLINE INCORPORAT Com 02364J104 145,931 1,198 SH
Defined 0 0 0 0
AMERICA ONLINE INCORPORAT Com 02364J104 363,854 2,987 SH
Other 0 0 0 0
AMERICAN ELECTRIC POWER C Com 025537101 3,052,159 88,149 SH
Sole 0 130,226 0 0
AMERICAN ELECTRIC POWER C Com 025537101 1,145,880 33,094 SH
Defined 0 0 0 0
AMERICAN ELECTRIC POWER C Com 025537101 311,036 8,983 SH
Other 0 0 0 0
AMERICAN EXPRESS COMPANY Com 025816109 345,479 2,308 SH
Sole 0 3,448 0 0
AMERICAN EXPRESS COMPANY Com 025816109 155,675 1,040 SH
Defined 0 0 0 0
AMERICAN EXPRESS COMPANY Com 025816109 14,969 100 SH
Other 0 0 0 0
AMERICAN HOME PRODUCTS CO Com 026609107 271,185 5,370 SH
Sole 0 11,109 0 0
AMERICAN HOME PRODUCTS CO Com 026609107 232,300 4,600 SH
Defined 0 0 0 0
AMERICAN HOME PRODUCTS CO Com 026609107 57,520 1,139 SH
Other 0 0 0 0
AMERICAN INTERNATIONAL GR Com 026874107 161,061 1,710 SH
Sole 0 9,851 0 0
AMERICAN INTERNATIONAL GR Com 026874107 119,995 1,274 SH
Defined 0 0 0 0
AMERICAN INTERNATIONAL GR Com 026874107 646,786 6,867 SH
Other 0 0 0 0
AMERICAN POWER CONVERSION Com 029066107 4,113,463 227,735 SH
Sole 0 255,215 0 0
AMERICAN POWER CONVERSION Com 029066107 433,139 23,980 SH
Defined 0 0 0 0
AMERICAN POWER CONVERSION Com 029066107 63,219 3,500 SH
Other 0 0 0 0
AMERITECH CORPORATION Com 030954101 7,115,404 104,255 SH
Sole 0 120,308 0 0
AMERITECH CORPORATION Com 030954101 912,980 13,377 SH
Defined 0 0 0 0
AMERITECH CORPORATION Com 030954101 182,637 2,676 SH
Other 0 0 0 0
AMGEN INCORPORATED Com 031162100 132,750 1,500 SH
Defined 0 2,855 0 0
AMGEN INCORPORATED Com 031162100 119,918 1,355 SH
Other 0 0 0 0
ANHEUSER BUSCH COMPANIES Com 035229103 387,406 5,500 SH
Sole 0 6,423 0 0
ANHEUSER BUSCH COMPANIES Com 035229103 17,821 253 SH
Defined 0 0 0 0
ANHEUSER BUSCH COMPANIES Com 035229103 47,193 670 SH
Other 0 0 0 0
APPLE COMPUTER, INCORPORA Com 037833100 328 5 SH
Sole 0 3,120 0 0
APPLE COMPUTER, INCORPORA Com 037833100 194,065 2,960 SH
Defined 0 0 0 0
APPLE COMPUTER, INCORPORA Com 037833100 10,162 155 SH
Other 0 0 0 0
ASHLAND INC. Com 044204105 2,322,053 69,315 SH
Sole 0 86,964 0 0
ASHLAND INC. Com 044204105 566,988 16,925 SH
Defined 0 0 0 0
ASHLAND INC. Com 044204105 24,254 724 SH
Other 0 0 0 0
ATLANTIC RICHFIELD COMPAN Com 048825103 4,101,866 47,940 SH
Sole 0 70,625 0 140
ATLANTIC RICHFIELD COMPAN Com 048825103 1,867,402 21,825 SH
Defined 0 0 0 0
ATLANTIC RICHFIELD COMPAN Com 048825103 85,563 1,000 SH
Other 0 0 0 0
AUTOMATED SCANNING INCORP Com 052875101 2,000 100,000 SH
Sole 0 110,000 0 0
AUTOMATED SCANNING INCORP Com 052875101 200 10,000 SH
Defined 0 0 0 0
AUTOMATIC DATA PROCESSING Com 053015103 7,087,784 157,070 SH
Sole 0 167,641 0 0
AUTOMATIC DATA PROCESSING Com 053015103 455,808 10,101 SH
Defined 0 0 0 0
AUTOMATIC DATA PROCESSING Com 053015103 21,209 470 SH
Other 0 0 0 0
BB&T CORP COM STK Com 054937107 17,143 507 SH
Sole 0 31,035 0 0
BB&T CORP COM STK Com 054937107 1,032,228 30,528 SH
Other 0 0 0 0
BP AMOCO Com 055622104 27,479,611 520,324 SH
Sole 0 629,538 0 0
BP AMOCO Com 055622104 5,247,028 99,352 SH
Defined 0 0 0 0
BP AMOCO Com 055622104 520,837 9,862 SH
Other 0 0 0 0
BANK AMER CORP COM Com 060505104 240,744 4,299 SH
Sole 0 18,335 0 0
BANK AMER CORP COM Com 060505104 445,088 7,948 SH
Defined 0 0 0 0
BANK AMER CORP COM Com 060505104 340,928 6,088 SH
Other 0 0 0 0
BANK ONE CORP Com 06423A103 3,759,704 104,983 SH
Sole 0 151,670 0 0
BANK ONE CORP Com 06423A103 851,120 23,766 SH
Defined 0 0 0 0
BANK ONE CORP Com 06423A103 820,858 22,921 SH
Other 0 0 0 0
BECTON DICKINSON Com 075887109 306,240 10,560 SH
Defined 0 10,655 0 0
BECTON DICKINSON Com 075887109 2,755 95 SH
Other 0 0 0 0
BELL ATLANTIC Com 077853109 454,372 6,788 SH
Sole 0 13,479 0 0
BELL ATLANTIC Com 077853109 346,870 5,182 SH
Defined 0 0 0 0
BELL ATLANTIC Com 077853109 101,009 1,509 SH
Other 0 0 0 0
BELLSOUTH Com 079860102 230,739 5,335 SH
Sole 0 13,257 0 0
BELLSOUTH Com 079860102 316,850 7,326 SH
Defined 0 0 0 0
BELLSOUTH Com 079860102 25,777 596 SH
Other 0 0 0 0
BERGSTROM CAPITAL CORPORA Com 084093103 206,719 1,050 SH
Other 0 1,050 0 0
BERKSHIRE HATHAWAY INC CL Com 084670207 80,556 42 SH
Sole 0 283 0 0
BERKSHIRE HATHAWAY INC CL Com 084670207 402,780 210 SH
Defined 0 0 0 0
BERKSHIRE HATHAWAY INC CL Com 084670207 59,458 31 SH
Other 0 0 0 0
BIOMET INCORPORATED Com 090613100 9,069,293 335,124 SH
Sole 0 381,362 0 250
BIOMET INCORPORATED Com 090613100 1,118,168 41,318 SH
Defined 0 0 0 0
BIOMET INCORPORATED Com 090613100 139,913 5,170 SH
Other 0 0 0 0
H & R BLOCK INCORPORATED Com 093671105 157,719 3,500 SH
Sole 0 5,104 0 0
H & R BLOCK INCORPORATED Com 093671105 54,255 1,204 SH
Defined 0 0 0 0
H & R BLOCK INCORPORATED Com 093671105 18,025 400 SH
Other 0 0 0 0
BOEING COMPANY Com 097023105 849,702 20,231 SH
Sole 0 39,571 0 191
BOEING COMPANY Com 097023105 783,300 18,650 SH
Defined 0 0 0 0
BOEING COMPANY Com 097023105 37,002 881 SH
Other 0 0 0 0
BRE-X MINERALS LIMITED Com 10625K109 29,688 12,500 SH
Other 0 12,500 0 0
BRISTOL-MYERS SQUIBB COMP Com 110122108 659,138 8,680 SH
Sole 0 43,243 0 0
BRISTOL-MYERS SQUIBB COMP Com 110122108 1,671,764 22,015 SH
Defined 0 0 0 0
BRISTOL-MYERS SQUIBB COMP Com 110122108 952,864 12,548 SH
Other 0 0 0 0
CDI CORPORATION Com 125071100 224,656 7,900 SH
Sole 0 16,925 0 0
CDI CORPORATION Com 125071100 256,648 9,025 SH
Defined 0 0 0 0
CFS BANCORP, INC. Com 12525D102 131,763 12,700 SH
Other 0 12,700 0 0
CIGNA CORPORATION Com 125509109 256,725 3,600 SH
Other 0 3,600 0 0
CIT GROUP INC CL A Com 125577106 2,838,564 140,610 SH
Sole 0 148,160 0 0
CIT GROUP INC CL A Com 125577106 152,416 7,550 SH
Defined 0 0 0 0
CNY FINANCIAL CORPORATION Com 12613U107 917,674 58,265 SH
Other 0 58,265 0 0
CSX CORPORATION Com 126408103 84,462 2,014 SH
Defined 0 8,416 0 0
CSX CORPORATION Com 126408103 268,484 6,402 SH
Other 0 0 0 0
CAMCO FINANCIAL CORP COMM Com 132618109 427,456 38,423 SH
Other 0 38,423 0 0
CAMERON FINANCIAL CORPORA Com 133425108 213,563 16,750 SH
Other 0 16,750 0 0
CAPITOL FEDERAL FINANCIAL Com 14057C106 389,000 38,900 SH
Other 0 38,900 0 0
CARLISLE COMPANIES INC Com 142339100 4,005,158 96,220 SH
Sole 0 98,370 0 0
CARLISLE COMPANIES INC Com 142339100 68,681 1,650 SH
Defined 0 0 0 0
CARLISLE COMPANIES INC Com 142339100 20,813 500 SH
Other 0 0 0 0
CARNIVAL CORPORATION COM Com 143658102 7,091,293 161,395 SH
Sole 0 178,406 0 0
CARNIVAL CORPORATION COM Com 143658102 747,421 17,011 SH
Defined 0 0 0 0
CATERPILLAR INCORPORATED Com 149123101 74,122 1,309 SH
Sole 0 4,154 0 0
CATERPILLAR INCORPORATED Com 149123101 110,136 1,945 SH
Defined 0 0 0 0
CATERPILLAR INCORPORATED Com 149123101 50,963 900 SH
Other 0 0 0 0
CHAMPION INTERNATIONAL Com 158525105 32,288 615 SH
Sole 0 4,715 0 0
CHAMPION INTERNATIONAL Com 158525105 63,000 1,200 SH
Defined 0 0 0 0
CHAMPION INTERNATIONAL Com 158525105 152,250 2,900 SH
Other 0 0 0 0
CHASE MANHATTAN CORP.(NEW Com 16161A108 94,302 1,248 SH
Sole 0 7,434 0 0
CHASE MANHATTAN CORP.(NEW Com 16161A108 452,317 5,986 SH
Defined 0 0 0 0
CHASE MANHATTAN CORP.(NEW Com 16161A108 15,113 200 SH
Other 0 0 0 0
CHEVRON CORPORATION Com 166751107 1,527,017 17,886 SH
Sole 0 32,687 0 0
CHEVRON CORPORATION Com 166751107 1,016,048 11,901 SH
Defined 0 0 0 0
CHEVRON CORPORATION Com 166751107 247,588 2,900 SH
Other 0 0 0 0
CINCINNATI BELL INCORPORA Com 171870108 161,385 7,617 SH
Sole 0 120,826 0 0
CINCINNATI BELL INCORPORA Com 171870108 2,347,766 110,809 SH
Defined 0 0 0 0
CINCINNATI BELL INCORPORA Com 171870108 50,850 2,400 SH
Other 0 0 0 0
CINCINNATI FINANCIAL CORP Com 172062101 28,889,218 779,473 SH
Sole 0 2,367,151 0 0
CINCINNATI FINANCIAL CORP Com 172062101 24,324,378 656,307 SH
Defined 0 0 0 0
CINCINNATI FINANCIAL CORP Com 172062101 34,518,938 931,371 SH
Other 0 0 0 0
CINERGY CORP. Com 172474108 74,506 2,655 SH
Sole 0 25,782 0 0
CINERGY CORP. Com 172474108 463,340 16,511 SH
Defined 0 0 0 0
CINERGY CORP. Com 172474108 185,662 6,616 SH
Other 0 0 0 0
CISCO SYSTEMS Com 17275R102 333,425 4,643 SH
Sole 0 40,004 0 0
CISCO SYSTEMS Com 17275R102 1,321,350 18,400 SH
Defined 0 0 0 0
CISCO SYSTEMS Com 17275R102 1,218,012 16,961 SH
Other 0 0 0 0
CINTAS CORPORATION Com 172908105 676,125 12,020 SH
Sole 0 22,478 0 0
CINTAS CORPORATION Com 172908105 102,094 1,815 SH
Defined 0 0 0 0
CINTAS CORPORATION Com 172908105 486,169 8,643 SH
Other 0 0 0 0
CITIGROUP INC Com 172967101 132,703 2,850 SH
Sole 0 9,050 0 0
CITIGROUP INC Com 172967101 67,516 1,450 SH
Defined 0 0 0 0
CITIGROUP INC Com 172967101 221,172 4,750 SH
Other 0 0 0 0
COCA-COLA COMPANY Com 191216100 169,800 3,200 SH
Sole 0 36,908 0 0
COCA-COLA COMPANY Com 191216100 640,040 12,062 SH
Defined 0 0 0 0
COCA-COLA COMPANY Com 191216100 1,148,591 21,646 SH
Other 0 0 0 0
COHOES BANCORP INC Com 192513109 364,684 29,619 SH
Other 0 29,619 0 0
COLGATE-PALMOLIVE COMPANY Com 194162103 230,097 4,316 SH
Sole 0 13,316 0 0
COLGATE-PALMOLIVE COMPANY Com 194162103 234,575 4,400 SH
Defined 0 0 0 0
COLGATE-PALMOLIVE COMPANY Com 194162103 245,238 4,600 SH
Other 0 0 0 0
COMAIR HOLDINGS, INCORPOR Com 199789108 9,651,270 509,638 SH
Sole 0 620,557 0 4,382
COMAIR HOLDINGS, INCORPOR Com 199789108 2,021,597 106,751 SH
Defined 0 0 0 0
COMAIR HOLDINGS, INCORPOR Com 199789108 161,916 8,550 SH
Other 0 0 0 0
COMERICA Com 200340107 8,813,167 156,158 SH
Sole 0 159,278 0 0
COMERICA Com 200340107 53,051 940 SH
Defined 0 0 0 0
COMERICA Com 200340107 123,034 2,180 SH
Other 0 0 0 0
COMMUNITY INVESTORS BANCO Com 203719109 527,962 55,943 SH
Other 0 55,943 0 0
COMMUNITY FIRST BANKING C Com 203913108 196,500 12,000 SH
Other 0 12,000 0 0
COMMUNITY SVGS BANKSHARES Com 204037105 370,985 31,742 SH
Other 0 31,742 0 0
COMPOSITECH LTD Com 204938104 44,413 37,400 SH
Other 0 37,400 0 0
CONAGRA INCORPORATED Com 205887102 2,443,175 106,225 SH
Sole 0 113,977 0 0
CONAGRA INCORPORATED Com 205887102 50,140 2,180 SH
Defined 0 0 0 0
CONAGRA INCORPORATED Com 205887102 128,156 5,572 SH
Other 0 0 0 0
CONEXANT SYS INC Com 207142100 348,310 4,648 SH
Sole 0 4,648 0 0
CONOCO INC CL B Com 208251405 5,503,866 214,785 SH
Sole 0 229,430 0 0
CONOCO INC CL B Com 208251405 371,563 14,500 SH
Defined 0 0 0 0
CONOCO INC CL B Com 208251405 3,716 145 SH
Other 0 0 0 0
CONSOLIDATED EDISON INC Com 209115104 19,531 500 SH
Sole 0 5,129 0 0
CONSOLIDATED EDISON INC Com 209115104 180,820 4,629 SH
Defined 0 0 0 0
CONSOLIDATED NATURAL GAS Com 209615103 2,528 40 SH
Sole 0 4,471 0 0
CONSOLIDATED NATURAL GAS Com 209615103 279,984 4,431 SH
Defined 0 0 0 0
CONVERGYS CORP COM Com 212485106 100,249 4,788 SH
Sole 0 117,329 0 0
CONVERGYS CORP COM Com 212485106 2,264,202 108,141 SH
Defined 0 0 0 0
CONVERGYS CORP COM Com 212485106 92,125 4,400 SH
Other 0 0 0 0
COOPER TIRE & RUBBER Com 216831107 3,530,658 202,475 SH
Sole 0 242,100 0 0
COOPER TIRE & RUBBER Com 216831107 680,498 39,025 SH
Defined 0 0 0 0
COOPER TIRE & RUBBER Com 216831107 10,463 600 SH
Other 0 0 0 0
CROGHAN BANCSHARES INCORP Com 227072105 268,848 11,202 SH
Other 0 11,202 0 0
DPL INCORPORATED Com 233293109 22,791 1,275 SH
Sole 0 17,349 0 0
DPL INCORPORATED Com 233293109 184,845 10,341 SH
Defined 0 0 0 0
DPL INCORPORATED Com 233293109 102,477 5,733 SH
Other 0 0 0 0
DEAN FOODS Com 242361103 228,160 5,283 SH
Sole 0 5,283 0 0
DELL COMPUTER Com 247025109 100,100 2,200 SH
Sole 0 26,209 0 0
DELL COMPUTER Com 247025109 263,809 5,798 SH
Defined 0 0 0 0
DELL COMPUTER Com 247025109 828,601 18,211 SH
Other 0 0 0 0
DELTA AIRLINES Com 247361108 357,974 6,591 SH
Other 0 6,591 0 0
WALT DISNEY PRODUCTIONS Com 254687106 327,594 12,942 SH
Sole 0 21,966 0 0
WALT DISNEY PRODUCTIONS Com 254687106 126,512 4,998 SH
Defined 0 0 0 0
WALT DISNEY PRODUCTIONS Com 254687106 101,908 4,026 SH
Other 0 0 0 0
DOW CHEMICAL COMPANY Com 260543103 57,296 495 SH
Sole 0 3,895 0 0
DOW CHEMICAL COMPANY Com 260543103 104,175 900 SH
Defined 0 0 0 0
DOW CHEMICAL COMPANY Com 260543103 289,375 2,500 SH
Other 0 0 0 0
DU PONT (E I) DE NEMOURS Com 263534109 67,048 997 SH
Sole 0 6,060 0 0
DU PONT (E I) DE NEMOURS Com 263534109 297,111 4,418 SH
Defined 0 0 0 0
DU PONT (E I) DE NEMOURS Com 263534109 43,376 645 SH
Other 0 0 0 0
DUKE ENERGY CORP Com 264399106 10,850 200 SH
Sole 0 5,416 0 0
DUKE ENERGY CORP Com 264399106 256,169 4,722 SH
Defined 0 0 0 0
DUKE ENERGY CORP Com 264399106 26,800 494 SH
Other 0 0 0 0
EMC CORPORATION Com 268648102 20,559,825 281,160 SH
Sole 0 317,995 0 100
EMC CORPORATION Com 268648102 2,670,159 36,515 SH
Defined 0 0 0 0
EMC CORPORATION Com 268648102 30,713 420 SH
Other 0 0 0 0
ESB FINANCIAL CORP Com 26884F102 161,293 12,289 SH
Other 0 12,289 0 0
EATON CORPORATION Com 278058102 244,200 2,775 SH
Sole 0 3,315 0 0
EATON CORPORATION Com 278058102 47,520 540 SH
Defined 0 0 0 0
ECOLAB INC Com 278865100 1,714,071 48,030 SH
Sole 0 52,380 0 0
ECOLAB INC Com 278865100 155,241 4,350 SH
Defined 0 0 0 0
EMERSON ELECTRIC COMPANY Com 291011104 636,617 10,415 SH
Sole 0 23,390 0 0
EMERSON ELECTRIC COMPANY Com 291011104 707,522 11,575 SH
Defined 0 0 0 0
EMERSON ELECTRIC COMPANY Com 291011104 85,575 1,400 SH
Other 0 0 0 0
EQUIFAX INCORPORATED Com 294429105 7,581,006 280,778 SH
Sole 0 327,265 0 278
EQUIFAX INCORPORATED Com 294429105 1,239,705 45,915 SH
Defined 0 0 0 0
EQUIFAX INCORPORATED Com 294429105 22,950 850 SH
Other 0 0 0 0
EXXON CORPORATION Com 302290101 2,031,544 27,925 SH
Sole 0 73,337 0 129
EXXON CORPORATION Com 302290101 3,013,378 41,421 SH
Defined 0 0 0 0
EXXON CORPORATION Com 302290101 299,730 4,120 SH
Other 0 0 0 0
EYETEL TECHNOLOGIES INC. Com 30229Q104 2,192 121,802 SH
Sole 0 121,802 0 0
FFY FINANCIAL CORPORATION Com 30242U108 199,176 10,730 SH
Other 0 10,730 0 0
FEDERAL NATIONAL MORTGAGE Com 313586109 8,005,728 119,936 SH
Sole 0 131,973 0 0
FEDERAL NATIONAL MORTGAGE Com 313586109 441,017 6,607 SH
Defined 0 0 0 0
FEDERAL NATIONAL MORTGAGE Com 313586109 362,453 5,430 SH
Other 0 0 0 0
FIDELITY FINANCIAL OF OHI Com 31614P107 5,738 300 SH
Sole 0 66,814 0 0
FIDELITY FINANCIAL OF OHI Com 31614P107 45,900 2,400 SH
Defined 0 0 0 0
FIDELITY FINANCIAL OF OHI Com 31614P107 1,226,180 64,114 SH
Other 0 0 0 0
FIFTH THIRD BANCORPORATIO Com 316773100 2,258,454 34,219 SH
Sole 0 124,118 0 0
FIFTH THIRD BANCORPORATIO Com 316773100 2,276,274 34,489 SH
Defined 0 0 0 0
FIFTH THIRD BANCORPORATIO Com 316773100 3,657,060 55,410 SH
Other 0 0 0 0
FIRST BANCORP OF INDIANA Com 31867T103 421,641 44,975 SH
Other 0 44,975 0 0
1ST BELL BANCORP INC COM Com 319301107 174,563 10,500 SH
Other 0 10,500 0 0
FIRST DATA CORPORATION Com 319963104 4,148,413 87,335 SH
Sole 0 89,545 0 0
FIRST DATA CORPORATION Com 319963104 100,225 2,110 SH
Defined 0 0 0 0
FIRST DATA CORPORATION Com 319963104 4,750 100 SH
Other 0 0 0 0
FIRST DEFIANCE FINANCIAL Com 32006W106 244,265 21,012 SH
Other 0 21,012 0 0
FIRST FINANCIAL BANCORP Com 320209109 118,036,775 4,745,197 SH
Sole 0 9,504,840 0 1,530
FIRST FINANCIAL BANCORP Com 320209109 73,415,727 2,951,386 SH
Defined 0 0 0 0
FIRST FINANCIAL BANCORP Com 320209109 45,018,452 1,809,787 SH
Other 0 0 0 0
FIRST NILES FINANCIAL Com 33582N106 1,008,700 72,050 SH
Other 0 72,050 0 0
FIRST PLACE FINANCIAL COR Com 33610T109 882,519 75,108 SH
Other 0 75,108 0 0
FIRST SECURITYFED FINL IN Com 336392105 176,168 14,993 SH
Other 0 14,993 0 0
FIRST UNION CORPORATION Com 337358105 2,822,510 72,488 SH
Sole 0 84,208 0 0
FIRST UNION CORPORATION Com 337358105 212,517 5,458 SH
Defined 0 0 0 0
FIRST UNION CORPORATION Com 337358105 243,827 6,262 SH
Other 0 0 0 0
FIRSTAR CORP Com 33763V109 265,461 9,947 SH
Sole 0 148,673 0 0
FIRSTAR CORP Com 33763V109 1,996,519 74,811 SH
Defined 0 0 0 0
FIRSTAR CORP Com 33763V109 1,705,732 63,915 SH
Other 0 0 0 0
FIRSTMERIT CORP. Com 337915102 771,485 29,744 SH
Defined 0 76,579 0 0
FIRSTMERIT CORP. Com 337915102 1,214,783 46,835 SH
Other 0 0 0 0
FIRSTBANCORPORATION INC C Com 337992705 367,500 12,250 SH
Sole 0 12,250 0 0
FLORIDA FIRST BANCORP Com 343257101 251,434 28,942 SH
Other 0 28,942 0 0
FORD MOTOR COMPANY Com 345370100 75,581 1,450 SH
Sole 0 11,716 0 0
FORD MOTOR COMPANY Com 345370100 393,440 7,548 SH
Defined 0 0 0 0
FORD MOTOR COMPANY Com 345370100 141,676 2,718 SH
Other 0 0 0 0
FORT THOMAS FINANCIAL COR Com 349031104 314,895 20,481 SH
Other 0 20,481 0 0
FRISCH'S RESTAURANTS, INC Com 358748101 100,250 10,025 SH
Defined 0 11,716 0 0
FRISCH'S RESTAURANTS, INC Com 358748101 16,910 1,691 SH
Other 0 0 0 0
GA FINANCIAL, INC. Com 361437106 609,039 47,304 SH
Other 0 47,304 0 0
GPU INC. Com 36225X100 1,608,738 48,935 SH
Sole 0 51,760 0 0
GPU INC. Com 36225X100 92,872 2,825 SH
Defined 0 0 0 0
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Sole 0 18,825 0 0
GTE CORPORATION Com 362320103 493,153 6,457 SH
Defined 0 0 0 0
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Other 0 0 0 0
GENERAL AMERICAN INVESTOR Com 368802104 33,688 1,000 SH
Sole 0 6,156 0 0
GENERAL AMERICAN INVESTOR Com 368802104 47,230 1,402 SH
Defined 0 0 0 0
GENERAL AMERICAN INVESTOR Com 368802104 126,463 3,754 SH
Other 0 0 0 0
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Sole 0 171,749 0 96
GENERAL ELECTRIC COMPANY Com 369604103 9,645,545 77,319 SH
Defined 0 0 0 0
GENERAL ELECTRIC COMPANY Com 369604103 3,772,690 30,242 SH
Other 0 0 0 0
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Sole 0 3,075 0 0
GENERAL MILLS INCORPORATE Com 370334104 207,127 2,475 SH
Defined 0 0 0 0
GENERAL MOTORS CORPORATIO Com 370442105 279,885 4,158 SH
Sole 0 8,423 0 0
GENERAL MOTORS CORPORATIO Com 370442105 254,441 3,780 SH
Defined 0 0 0 0
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Other 0 0 0 0
GILLETTE COMPANY Com 375766102 442,234 11,524 SH
Sole 0 20,798 0 0
GILLETTE COMPANY Com 375766102 76,750 2,000 SH
Defined 0 0 0 0
GILLETTE COMPANY Com 375766102 279,140 7,274 SH
Other 0 0 0 0
GLAXO WELLCOME PLC Com 37733W105 133,001 2,354 SH
Defined 0 3,934 0 0
GLAXO WELLCOME PLC Com 37733W105 89,270 1,580 SH
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GOODYEAR TIRE & RUBBER CO Com 382550101 9,896 195 SH
Sole 0 4,215 0 0
GOODYEAR TIRE & RUBBER CO Com 382550101 1,015 20 SH
Defined 0 0 0 0
GOODYEAR TIRE & RUBBER CO Com 382550101 203,000 4,000 SH
Other 0 0 0 0
GOUVERNEUR BANCORP INC Com 383584109 170,625 35,000 SH
Other 0 35,000 0 0
GREAT PEE DEE BANCORP, IN Com 39115R100 273,125 23,000 SH
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HALLIBURTON COMPANY Com 406216101 419,738 12,300 SH
Sole 0 24,740 0 0
HALLIBURTON COMPANY Com 406216101 417,690 12,240 SH
Defined 0 0 0 0
HALLIBURTON COMPANY Com 406216101 6,825 200 SH
Other 0 0 0 0
HARBOR FLORIDA BANCSHARES Com 411901101 620,344 50,900 SH
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HARLEY DAVIDSON Com 412822108 3,780,339 68,890 SH
Sole 0 79,912 0 208
HARLEY DAVIDSON Com 412822108 579,754 10,565 SH
Defined 0 0 0 0
HARLEY DAVIDSON Com 412822108 36,492 665 SH
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HEWLETT PACKARD Com 428236103 13,595,307 155,486 SH
Sole 0 184,636 0 0
HEWLETT PACKARD Com 428236103 2,352,506 26,905 SH
Defined 0 0 0 0
HEWLETT PACKARD Com 428236103 196,297 2,245 SH
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Sole 0 184,875 0 174
HILLENBRAND INDUSTRIES Com 431573104 783,200 28,480 SH
Defined 0 0 0 0
HILLENBRAND INDUSTRIES Com 431573104 22,000 800 SH
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HOME CITY FINANCIAL CORP Com 43706C100 264,204 22,017 SH
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HOME DEPOT INCORPORATED Com 437076102 111,601 1,498 SH
Sole 0 6,377 0 0
HOME DEPOT INCORPORATED Com 437076102 46,116 619 SH
Defined 0 0 0 0
HOME DEPOT INCORPORATED Com 437076102 317,370 4,260 SH
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HOME LOAN FINANCIAL CORP Com 437183106 138,750 15,000 SH
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HORACE MANN EDUCATORS COR Com 440327104 5,140,806 187,792 SH
Sole 0 201,192 0 0
HORACE MANN EDUCATORS COR Com 440327104 366,825 13,400 SH
Defined 0 0 0 0
HOUSEHOLD INTERNATIONAL Com 441815107 119,644 2,700 SH
Sole 0 5,400 0 0
HOUSEHOLD INTERNATIONAL Com 441815107 119,644 2,700 SH
Defined 0 0 0 0
HUBBELL INC. CL B Com 443510201 441,142 14,288 SH
Defined 0 14,288 0 0
HUDSON CITY BANCORP INC Com 443683107 294,306 21,700 SH
Other 0 21,700 0 0
HUDSON RIVER BANCORP, INC Com 444128102 917,420 82,004 SH
Other 0 82,004 0 0
ISB FINANCIAL CORPORATION Com 450091103 310,560 19,410 SH
Other 0 19,410 0 0
ITT INDUSTRIES INC. Com 450911102 3,267,925 97,550 SH
Sole 0 111,825 0 0
ITT INDUSTRIES INC. Com 450911102 471,513 14,075 SH
Defined 0 0 0 0
ITT INDUSTRIES INC. Com 450911102 6,700 200 SH
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ILLINOVA CORPORATION Com 452317100 2,335,835 80,720 SH
Sole 0 98,451 0 0
ILLINOVA CORPORATION Com 452317100 510,197 17,631 SH
Defined 0 0 0 0
ILLINOVA CORPORATION Com 452317100 2,894 100 SH
Other 0 0 0 0
INDUSTRIAL BANCORP INCORP Com 455882100 624,190 33,740 SH
Other 0 33,740 0 0
INNOVA TECHNOLOGIES (CANA Com 45765A107 4,500 10,000 SH
Sole 0 10,000 0 0
INTEL CORPORATION Com 458140100 14,882,206 196,627 SH
Sole 0 262,266 0 0
INTEL CORPORATION Com 458140100 3,288,773 43,452 SH
Defined 0 0 0 0
INTEL CORPORATION Com 458140100 1,679,279 22,187 SH
Other 0 0 0 0
INTERNATIONAL BUSINESS MA Com 459200101 9,053,441 79,766 SH
Sole 0 86,479 0 1,738
INTERNATIONAL BUSINESS MA Com 459200101 629,471 5,546 SH
Defined 0 0 0 0
INTERNATIONAL BUSINESS MA Com 459200101 329,718 2,905 SH
Other 0 0 0 0
INTERNATIONAL PAPER COMPA Com 460146103 57,884 1,217 SH
Sole 0 10,699 0 0
INTERNATIONAL PAPER COMPA Com 460146103 59,548 1,252 SH
Defined 0 0 0 0
INTERNATIONAL PAPER COMPA Com 460146103 391,439 8,230 SH
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INTERNATIONAL REMOTE IMAG Com 460259500 11,875 10,000 SH
Sole 0 10,000 0 0
INTERPUBLIC GROUP Com 460690100 60,844 1,500 SH
Sole 0 5,000 0 0
INTERPUBLIC GROUP Com 460690100 105,463 2,600 SH
Defined 0 0 0 0
INTERPUBLIC GROUP Com 460690100 36,506 900 SH
Other 0 0 0 0
JDS UNIPHASE CORP Com 46612J101 38,813 300 SH
Sole 0 10,750 0 0
JDS UNIPHASE CORP Com 46612J101 1,351,969 10,450 SH
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JACOBS ENGINEERING GROUP Com 469814107 2,669,681 76,550 SH
Sole 0 83,750 0 0
JACOBS ENGINEERING GROUP Com 469814107 251,100 7,200 SH
Defined 0 0 0 0
JOCKEY CLUB INCORPORATED Com 477731301 1 30,000 SH
Defined 0 30,000 0 0
JOHNSON & JOHNSON COMPANY Com 478160104 1,640,830 16,616 SH
Sole 0 30,010 0 104
JOHNSON & JOHNSON COMPANY Com 478160104 318,370 3,224 SH
Defined 0 0 0 0
JOHNSON & JOHNSON COMPANY Com 478160104 1,014,558 10,274 SH
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JONPOL EXPLORATIONS (CANA Com 480600105 750 10,000 SH
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KELLOGG COMPANY Com 487836108 140,069 3,650 SH
Sole 0 6,806 0 0
KELLOGG COMPANY Com 487836108 95,938 2,500 SH
Defined 0 0 0 0
KELLOGG COMPANY Com 487836108 25,174 656 SH
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KENNAMETAL INCORPORATED Com 489170100 1,516,900 54,175 SH
Sole 0 70,865 0 0
KENNAMETAL INCORPORATED Com 489170100 467,320 16,690 SH
Defined 0 0 0 0
KEYCORP (NEW) Com 493267108 258,984 9,504 SH
Sole 0 20,258 0 0
KEYCORP (NEW) Com 493267108 145,897 5,354 SH
Defined 0 0 0 0
KEYCORP (NEW) Com 493267108 147,150 5,400 SH
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KOHL'S CORPORATION (WISCO Com 500255104 118,300 1,600 SH
Sole 0 2,755 0 0
KOHL'S CORPORATION (WISCO Com 500255104 73,938 1,000 SH
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KOHL'S CORPORATION (WISCO Com 500255104 11,460 155 SH
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ELI LILLY & COMPANY Com 532457108 732,098 9,969 SH
Sole 0 28,960 0 0
ELI LILLY & COMPANY Com 532457108 1,022,984 13,930 SH
Defined 0 0 0 0
ELI LILLY & COMPANY Com 532457108 371,667 5,061 SH
Other 0 0 0 0
LILLY INDUSTRIES INCORPOR Com 532491107 857,644 58,894 SH
Sole 0 79,519 0 0
LILLY INDUSTRIES INCORPOR Com 532491107 300,352 20,625 SH
Defined 0 0 0 0
LINCOLN BANCORP Com 532879103 839,662 72,229 SH
Other 0 72,229 0 0
LOCKHEED MARTIN GROUP Com 539830109 36,975 1,200 SH
Sole 0 9,502 0 0
LOCKHEED MARTIN GROUP Com 539830109 188,942 6,132 SH
Defined 0 0 0 0
LOCKHEED MARTIN GROUP Com 539830109 66,863 2,170 SH
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LONE STAR INTERNATIONAL E Com 542294103 244 16,299 SH
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LUCENT TECHNOLOGIES INC Com 549463107 1,994,560 31,165 SH
Sole 0 100,362 0 0
LUCENT TECHNOLOGIES INC Com 549463107 3,018,240 47,160 SH
Defined 0 0 0 0
LUCENT TECHNOLOGIES INC Com 549463107 1,410,368 22,037 SH
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MBNA CORPORATION Com 55262L100 4,423,618 172,629 SH
Sole 0 182,940 0 0
MBNA CORPORATION Com 55262L100 87,740 3,424 SH
Defined 0 0 0 0
MBNA CORPORATION Com 55262L100 176,479 6,887 SH
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MCI WORLDCOM INC Com 55268B106 122,001 1,587 SH
Defined 0 2,753 0 0
MCI WORLDCOM INC Com 55268B106 89,636 1,166 SH
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MARKET FINANCIAL CORPORAT Com 57056A100 451,519 40,586 SH
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MARSH & MCLENNAN COMPANIE Com 571748102 393,750 5,625 SH
Defined 0 5,825 0 0
MARSH & MCLENNAN COMPANIE Com 571748102 14,000 200 SH
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MAYTAG CORPORATION Com 578592107 1,436,521 43,285 SH
Sole 0 52,017 0 0
MAYTAG CORPORATION Com 578592107 267,823 8,070 SH
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MAYTAG CORPORATION Com 578592107 21,970 662 SH
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MC CORMICK & CO INC Com 579780206 3,197,320 96,160 SH
Sole 0 103,760 0 0
MC CORMICK & CO INC Com 579780206 252,700 7,600 SH
Defined 0 0 0 0
MC DONALDS CORPORATION Com 580135101 7,427,452 171,733 SH
Sole 0 208,962 0 0
MC DONALDS CORPORATION Com 580135101 1,496,537 34,602 SH
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MC DONALDS CORPORATION Com 580135101 113,618 2,627 SH
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MEAD CORPORATION Com 582834107 132,082 3,747 SH
Sole 0 8,177 0 0
MEAD CORPORATION Com 582834107 76,845 2,180 SH
Defined 0 0 0 0
MEAD CORPORATION Com 582834107 79,313 2,250 SH
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MEDIAONE GROUP INC COM Com 58440J104 73,438 1,000 SH
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MEDIAONE GROUP INC COM Com 58440J104 72,923 993 SH
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MEDIAONE GROUP INC COM Com 58440J104 53,756 732 SH
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MEDTRONIC INCORPORATED Com 585055106 10,086,379 275,396 SH
Sole 0 365,776 0 0
MEDTRONIC INCORPORATED Com 585055106 2,953,074 80,630 SH
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MEDTRONIC INCORPORATED Com 585055106 357,094 9,750 SH
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MERCK & COMPANY INCORPORA Com 589331107 19,700,321 267,123 SH
Sole 0 347,493 0 140
MERCK & COMPANY INCORPORA Com 589331107 4,212,526 57,119 SH
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MERCK & COMPANY INCORPORA Com 589331107 1,725,086 23,391 SH
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MICROSOFT CORPORATION Com 594918104 676,335 7,124 SH
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MILTON FEDERAL FINANCIAL Com 601795107 733,259 60,475 SH
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Sole 0 29,296 0 0
MINNESOTA MINING Com 604059105 1,571,625 16,500 SH
Defined 0 0 0 0
MINNESOTA MINING Com 604059105 22,860 240 SH
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MOBIL CORPORATION Com 607059102 265,415 2,792 SH
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J.P. MORGAN & COMPANY Com 616880100 34,374 291 SH
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J.P. MORGAN & COMPANY Com 616880100 220,894 1,870 SH
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MORGAN STANLEY DEAN WITTE Com 617446448 745,236 7,824 SH
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MOTOROLA INCORPORATED Com 620076109 60,450 650 SH
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NALCO CHEMICAL CORPORATIO Com 629853102 4,493,100 88,100 SH
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NALCO CHEMICAL CORPORATIO Com 629853102 873,375 17,125 SH
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NASDAQ 100 TR UNIT SER I Com 631100104 321,594 2,522 SH
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NEW CENTURY ENERGIES INC Com 64352U103 120,091 3,820 SH
Sole 0 9,761 0 0
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Defined 0 0 0 0
NEW CENTURY ENERGIES INC Com 64352U103 50,300 1,600 SH
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NEWELL RUBBERMAID INC COM Com 651229106 2,606,325 91,450 SH
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NEWFOUNDLAND GOLDBAR RESO Com 65133L106 4,800 20,000 SH
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NIAGARA BANCORP, INC. Com 652914102 485,903 45,732 SH
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NEXTEL COMMUNICATIONS INC Com 65332V103 222,352 2,650 SH
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OHIO CASUALTY CORPORATION Com 677240103 43,786,229 2,780,078 SH
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OLD KENT FINANCIAL CORPOR Com 679833103 8,108,669 208,919 SH
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OLD KENT FINANCIAL CORPOR Com 679833103 1,195,813 30,810 SH
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OLD REPUBLIC INTL CORPORA Com 680223104 37,772 2,550 SH
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OMNICOM GROUP INCORPORATE Com 681919106 30,473,634 396,405 SH
Sole 0 444,820 0 140
OMNICOM GROUP INCORPORATE Com 681919106 3,732,666 48,555 SH
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Defined 0 16,023 0 0
ONE VALLEY BANCORP INC Com 682419106 512,584 14,490 SH
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Defined 0 6,000 0 0
ORACLE CORPORATION Com 68389X105 218,128 4,821 SH
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Defined 0 10,108 0 0
PG&E CORP COMMON STK Com 69331C108 205,031 8,100 SH
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PNC FINANCIAL CORPORATION Com 693475105 2,124,786 37,985 SH
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PARK NATIONAL CORPORATION Com 700658107 60,300 603 SH
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PARK NATIONAL CORPORATION Com 700658107 120,600 1,206 SH
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J C PENNEY COMPANY INCORP Com 708160106 33,813 1,000 SH
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J C PENNEY COMPANY INCORP Com 708160106 30,431 900 SH
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J C PENNEY COMPANY INCORP Com 708160106 162,300 4,800 SH
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PENTAIR INCORPORATED Com 709631105 1,034,000 25,850 SH
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PEOPLES HLDG INC Com 71114N103 292,875 1,775 SH
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PEOPLES SAVINGS BANK OF T Com 712289107 450,272 59,052 SH
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PEPSICO INCORPORATED Com 713448108 377,438 10,980 SH
Other 0 0 0 0
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Defined 0 0 0 0
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PFIZER INCORPORATED Com 717081103 535,028 13,545 SH
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Sole 0 64,151 0 0
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PITNEY BOWES, INCORPORATE Com 724479100 20,468,680 322,659 SH
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PITNEY BOWES, INCORPORATE Com 724479100 3,773,136 59,478 SH
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POTTERS FINANCIAL CORP. Com 738140102 319,842 28,118 SH
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PROCTER & GAMBLE COMPANY Com 742718109 48,606,247 495,666 SH
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PROCTER & GAMBLE COMPANY Com 742718109 70,630,987 720,265 SH
Defined 0 0 0 0
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PROVIDENT FINANCIAL GROUP Com 743866105 231,887 5,806 SH
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QCF BANCORP INC Com 746924109 361,569 14,110 SH
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QUALCOMM INCORPORATED Com 747525103 1,188,209 5,554 SH
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REYNOLDS & REYNOLDS INCOR Com 761695105 186,561 9,299 SH
Sole 0 26,424 0 0
REYNOLDS & REYNOLDS INCOR Com 761695105 14,044 700 SH
Defined 0 0 0 0
REYNOLDS & REYNOLDS INCOR Com 761695105 329,527 16,425 SH
Other 0 0 0 0
RICHMOND CNTY FINL CORP C Com 764556106 834,629 45,039 SH
Other 0 45,039 0 0
ROCKWELL INTL CORP NEW CO Com 773903109 502,565 9,296 SH
Sole 0 9,296 0 0
ROHM & HAAS COMPANY Com 775371107 8,700,372 214,824 SH
Sole 0 241,575 0 314
ROHM & HAAS COMPANY Com 775371107 1,092,083 26,965 SH
Defined 0 0 0 0
ROHM & HAAS COMPANY Com 775371107 4,050 100 SH
Other 0 0 0 0
ROYAL DUTCH PETROLEUM N.Y Com 780257804 188,297 3,250 SH
Sole 0 18,750 0 0
ROYAL DUTCH PETROLEUM N.Y Com 780257804 614,138 10,600 SH
Defined 0 0 0 0
ROYAL DUTCH PETROLEUM N.Y Com 780257804 283,894 4,900 SH
Other 0 0 0 0
SBC COMMUNICATIONS INC. Com 78387G103 394,888 7,594 SH
Sole 0 17,947 0 0
SBC COMMUNICATIONS INC. Com 78387G103 494,676 9,513 SH
Defined 0 0 0 0
SBC COMMUNICATIONS INC. Com 78387G103 43,680 840 SH
Other 0 0 0 0
SCHERING-PLOUGH CORPORATI Com 806605101 35,269,790 708,051 SH
Sole 0 863,786 0 330
SCHERING-PLOUGH CORPORATI Com 806605101 6,832,332 137,161 SH
Defined 0 0 0 0
SCHERING-PLOUGH CORPORATI Com 806605101 941,656 18,904 SH
Other 0 0 0 0
SCHLUMBERGER LIMITED Com 806857108 55,063 1,000 SH
Sole 0 5,368 0 0
SCHLUMBERGER LIMITED Com 806857108 198,225 3,600 SH
Defined 0 0 0 0
SCHLUMBERGER LIMITED Com 806857108 42,288 768 SH
Other 0 0 0 0
SCIENTIFIC ATLANTA INC. Com 808655104 153,375 3,000 SH
Sole 0 4,120 0 0
SCIENTIFIC ATLANTA INC. Com 808655104 36,810 720 SH
Defined 0 0 0 0
SCIENTIFIC ATLANTA INC. Com 808655104 20,450 400 SH
Other 0 0 0 0
SEARS ROEBUCK AND COMPANY Com 812387108 24,141 750 SH
Sole 0 8,603 0 0
SEARS ROEBUCK AND COMPANY Com 812387108 21,018 653 SH
Defined 0 0 0 0
SEARS ROEBUCK AND COMPANY Com 812387108 231,750 7,200 SH
Other 0 0 0 0
SECURITY BANC CORPORATION Com 813767100 527,534 18,349 SH
Sole 0 18,349 0 0
SECURITY OF PENNSYLVANIA Com 814847109 372,875 38,000 SH
Other 0 38,000 0 0
SERVICE BANCORP, INC. Com 81756X103 90,750 12,000 SH
Other 0 12,000 0 0
SIGMA ALDRICH Com 826552101 3,569,303 116,787 SH
Sole 0 148,177 0 0
SIGMA ALDRICH Com 826552101 941,019 30,790 SH
Defined 0 0 0 0
SIGMA ALDRICH Com 826552101 18,338 600 SH
Other 0 0 0 0
SINCLAIR BROADCAST GROUP Com 829226109 190,000 20,000 SH
Other 0 20,000 0 0
SNAP-ON INCORPORATED Com 833034101 2,231,775 68,670 SH
Sole 0 84,345 0 0
SNAP-ON INCORPORATED Com 833034101 509,438 15,675 SH
Defined 0 0 0 0
EAST WEST TRADE CORPORATI Com 8350334 5,000 25,000 SH
Other 0 25,000 0 0
SOUTH JERSEY FINANCIAL CO Com 838493104 280,000 20,000 SH
Other 0 20,000 0 0
SOUTHERN COMPANY Com 842587107 55,253 2,120 SH
Sole 0 26,281 0 0
SOUTHERN COMPANY Com 842587107 577,565 22,161 SH
Defined 0 0 0 0
SOUTHERN COMPANY Com 842587107 52,125 2,000 SH
Other 0 0 0 0
SOUTHWEST AIRLINES Com 844741108 4,955,206 278,187 SH
Sole 0 317,831 0 0
SOUTHWEST AIRLINES Com 844741108 682,967 38,342 SH
Defined 0 0 0 0
SOUTHWEST AIRLINES Com 844741108 23,192 1,302 SH
Other 0 0 0 0
SOVEREIGN BANCORP INC Com 845905108 1,064,213 115,050 SH
Sole 0 171,614 0 600
SOVEREIGN BANCORP INC Com 845905108 160,950 17,400 SH
Defined 0 0 0 0
SOVEREIGN BANCORP INC Com 845905108 367,817 39,764 SH
Other 0 0 0 0
SUN MICROSYSTEMS INCORPOR Com 866810104 55,538 600 SH
Sole 0 9,110 0 0
SUN MICROSYSTEMS INCORPOR Com 866810104 88,860 960 SH
Defined 0 0 0 0
SUN MICROSYSTEMS INCORPOR Com 866810104 698,847 7,550 SH
Other 0 0 0 0
SUNTRUST BANKS INCORPORAT Com 867914103 28,375 400 SH
Sole 0 4,079 0 0
SUNTRUST BANKS INCORPORAT Com 867914103 260,979 3,679 SH
Other 0 0 0 0
SYSCO CORP Com 871829107 330,600 9,600 SH
Defined 0 9,600 0 0
TCF FINANCIAL CORPORATION Com 872275102 222,365 7,506 SH
Defined 0 14,224 0 0
TCF FINANCIAL CORPORATION Com 872275102 199,021 6,718 SH
Other 0 0 0 0
TF FINANCIAL CORPORATION Com 872391107 222,925 14,800 SH
Other 0 14,800 0 0
TALBOTS INC Com 874161102 2,081,374 43,532 SH
Sole 0 47,890 0 242
TALBOTS INC Com 874161102 219,938 4,600 SH
Defined 0 0 0 0
TELEPHONE AND DATA SYS IN Com 879433100 236,430 2,556 SH
Sole 0 2,756 0 0
TELEPHONE AND DATA SYS IN Com 879433100 18,500 200 SH
Defined 0 0 0 0
TEXACO INCORPORATED Com 881694103 24,325 400 SH
Sole 0 4,373 0 0
TEXACO INCORPORATED Com 881694103 129,531 2,130 SH
Defined 0 0 0 0
TEXACO INCORPORATED Com 881694103 112,077 1,843 SH
Other 0 0 0 0
TRI-CONTINENTAL CORPORATI Com 895436103 37,422 1,250 SH
Sole 0 15,152 0 0
TRI-CONTINENTAL CORPORATI Com 895436103 113,074 3,777 SH
Defined 0 0 0 0
TRI-CONTINENTAL CORPORATI Com 895436103 303,117 10,125 SH
Other 0 0 0 0
TRIBUNE INCORPORATED Com 896047107 418,000 8,000 SH
Defined 0 8,000 0 0
TYCO INTERNATIONAL LTD NE Com 902124106 42,343,761 397,594 SH
Sole 0 471,269 0 140
TYCO INTERNATIONAL LTD NE Com 902124106 7,798,037 73,221 SH
Defined 0 0 0 0
TYCO INTERNATIONAL LTD NE Com 902124106 63,261 594 SH
Other 0 0 0 0
USX-MARATHON GROUP Com 902905827 1,540,533 57,590 SH
Sole 0 60,540 0 0
USX-MARATHON GROUP Com 902905827 46,813 1,750 SH
Defined 0 0 0 0
USX-MARATHON GROUP Com 902905827 32,100 1,200 SH
Other 0 0 0 0
UNIFI INCORPORATED Com 904677101 2,475,561 225,051 SH
Sole 0 262,748 0 0
UNIFI INCORPORATED Com 904677101 414,667 37,697 SH
Defined 0 0 0 0
UNIGENE LAB INC Com 904753100 9,844 15,000 SH
Sole 0 15,000 0 0
UNION COMMUNITY BANCORP Com 906054101 556,600 48,400 SH
Other 0 48,400 0 0
UNION PLANTERS CORPORATIO Com 908068109 51,450 1,200 SH
Sole 0 25,917 0 0
UNION PLANTERS CORPORATIO Com 908068109 1,059,741 24,717 SH
Other 0 0 0 0
UNITED COMMUNITY FIN CORP Com 909839102 240,970 16,268 SH
Other 0 16,268 0 0
U S WEST INC NEW COM STK Com 91273H101 164,988 2,770 SH
Sole 0 5,150 0 0
U S WEST INC NEW COM STK Com 91273H101 81,779 1,373 SH
Defined 0 0 0 0
U S WEST INC NEW COM STK Com 91273H101 59,979 1,007 SH
Other 0 0 0 0
VENCOR INC Com 92260R102 1,600 10,000 SH
Other 0 10,000 0 0
VIRGINIA CAPITAL BANCSHAR Com 927758102 378,125 25,000 SH
Other 0 25,000 0 0
VODAFONE AIRTOUCH PLC Com 92857T107 430,500 8,610 SH
Sole 0 17,835 0 0
VODAFONE AIRTOUCH PLC Com 92857T107 204,500 4,090 SH
Defined 0 0 0 0
VODAFONE AIRTOUCH PLC Com 92857T107 256,750 5,135 SH
Other 0 0 0 0
WAL MART STORES INCORPORA Com 931142103 487,300 8,800 SH
Sole 0 11,326 0 0
WAL MART STORES INCORPORA Com 931142103 72,984 1,318 SH
Defined 0 0 0 0
WAL MART STORES INCORPORA Com 931142103 66,893 1,208 SH
Other 0 0 0 0
WALGREEN COMPANY Com 931422109 50,625 2,000 SH
Sole 0 16,700 0 0
WALGREEN COMPANY Com 931422109 308,813 12,200 SH
Defined 0 0 0 0
WALGREEN COMPANY Com 931422109 63,281 2,500 SH
Other 0 0 0 0
WARNER-LAMBERT COMPANY Com 934488107 303,261 4,126 SH
Sole 0 12,771 0 0
WARNER-LAMBERT COMPANY Com 934488107 88,568 1,205 SH
Defined 0 0 0 0
WARNER-LAMBERT COMPANY Com 934488107 546,840 7,440 SH
Other 0 0 0 0
WELLS FARGO & CO NEW Com 949746101 21,420 504 SH
Sole 0 4,824 0 0
WELLS FARGO & CO NEW Com 949746101 153,850 3,620 SH
Defined 0 0 0 0
WELLS FARGO & CO NEW Com 949746101 29,750 700 SH
Other 0 0 0 0
WESTERN OHIO FINANCIAL CO Com 959024100 40,425 2,200 SH
Defined 0 34,666 0 0
WESTERN OHIO FINANCIAL CO Com 959024100 596,563 32,466 SH
Other 0 0 0 0
WESTWOOD HOMESTEAD FINANC Com 961767100 10,250 1,000 SH
Defined 0 35,030 0 0
WESTWOOD HOMESTEAD FINANC Com 961767100 348,808 34,030 SH
Other 0 0 0 0
WHIRLPOOL CORPORATION Com 963320106 3,308,766 53,475 SH
Sole 0 54,975 0 0
WHIRLPOOL CORPORATION Com 963320106 6,188 100 SH
Defined 0 0 0 0
WHIRLPOOL CORPORATION Com 963320106 86,625 1,400 SH
Other 0 0 0 0
WILLAMETTE INDUSTRIES INC Com 969133107 7,180,476 176,208 SH
Sole 0 215,934 0 0
WILLAMETTE INDUSTRIES INC Com 969133107 1,602,535 39,326 SH
Defined 0 0 0 0
WILLAMETTE INDUSTRIES INC Com 969133107 16,300 400 SH
Other 0 0 0 0
WINTON FINANCIAL CORPORAT Com 976446104 186,408 13,808 SH
Other 0 13,808 0 0
WILLIAM WRIGLEY JR. COMPA Com 982526105 3,600 50 SH
Sole 0 5,571 0 0
WILLIAM WRIGLEY JR. COMPA Com 982526105 397,512 5,521 SH
Defined 0 0 0 0
PROGRESS INCORPORATED CLA Com 999011117 21,455,755 22,800 SH
Other 0 22,800 0 0
LAUREL GROVE PLANTATION I Com 999011141 37,548 37,548 SH
Sole 0 37,548 0 0
DAIMLER CHRYSLER AG ORD Com D1668R123 68,299 934 SH
Sole 0 3,284 0 0
DAIMLER CHRYSLER AG ORD Com D1668R123 12,943 177 SH
Defined 0 0 0 0
DAIMLER CHRYSLER AG ORD Com D1668R123 158,901 2,173 SH
Other 0 0 0 0
GLOBAL CROSSING LTD Com G3921A100 39,420 1,080 SH
Sole 0 8,238 0 0
GLOBAL CROSSING LTD Com G3921A100 111,617 3,058 SH
Defined 0 0 0 0
GLOBAL CROSSING LTD Com G3921A100 149,650 4,100 SH
Other 0 0 0 0
LORAL SPACE & COMMUNICATI Com G56462107 121,101 6,613 SH
Sole 0 16,436 0 0
LORAL SPACE & COMMUNICATI Com G56462107 179,884 9,823 SH
Other 0 0 0 0
</TABLE>
