UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: June 30, 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 June 30, 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: 298
Form 13F Information Table Value Total: $%1,361,867,153
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>
AT & T CORPORATION Com 001957109 1,528,370 27,384 SH
Sole 0 30,482 0 27,510
AT & T CORPORATION Com 001957109 1,326,886 23,774 SH
Defined 0 0 0 0
AT & T CORPORATION Com 001957109 381,423 6,834 SH
Other 0 0 0 0
ASB FINANCIAL CORP Com 00205P107 375,269 30,950 SH
Other 0 20,100 0 10,850
ABBOTT LABORATORIES Com 002824100 12,985,281 286,177 SH
Sole 0 268,000 0 51,457
ABBOTT LABORATORIES Com 002824100 1,025,475 22,600 SH
Defined 0 0 0 0
ABBOTT LABORATORIES Com 002824100 484,605 10,680 SH
Other 0 0 0 0
ADAMS EXPRESS COMPANY Com 006212104 29,125 1,000 SH
Sole 0 1,731 0 15,882
ADAMS EXPRESS COMPANY Com 006212104 223,622 7,678 SH
Defined 0 0 0 0
ADAMS EXPRESS COMPANY Com 006212104 260,232 8,935 SH
Other 0 0 0 0
ADVANCE VIRAL RESEARCH CO Com 007928104 4,700 20,000 SH
Sole 0 20,000 0 0
AETNA INC COMMON STK Com 008117103 6,708 75 SH
Sole 0 75 0 2,400
AETNA INC COMMON STK Com 008117103 214,650 2,400 SH
Other 0 0 0 0
AIR EXPRESS INTERNATIONAL Com 009104100 2,954,970 116,452 SH
Sole 0 106,576 0 41,976
AIR EXPRESS INTERNATIONAL Com 009104100 814,538 32,100 SH
Defined 0 0 0 0
AIR PRODUCTS & CHEMICALS Com 009158106 80,500 2,000 SH
Sole 0 2,000 0 17,520
AIR PRODUCTS & CHEMICALS Com 009158106 705,180 17,520 SH
Defined 0 0 0 0
AIRTOUCH COMMUNICATIONS C Com 00949T100 370,768 3,444 SH
Sole 0 7,110 0 504
AIRTOUCH COMMUNICATIONS C Com 00949T100 229,954 2,136 SH
Defined 0 0 0 0
AIRTOUCH COMMUNICATIONS C Com 00949T100 218,973 2,034 SH
Other 0 0 0 0
ALBERTSONS INCORPORATED Com 013104104 6,815,016 132,170 SH
Sole 0 124,475 0 14,238
ALBERTSONS INCORPORATED Com 013104104 337,373 6,543 SH
Defined 0 0 0 0
ALCOA INC Com 013817101 256,781 4,150 SH
Sole 0 4,150 0 2,000
ALCOA INC Com 013817101 74,250 1,200 SH
Defined 0 0 0 0
ALCOA INC Com 013817101 49,500 800 SH
Other 0 0 0 0
ALLIED-SIGNAL INCORPORATE Com 019512102 56,700 900 SH
Sole 0 5,150 0 660
ALLIED-SIGNAL INCORPORATE Com 019512102 274,050 4,350 SH
Defined 0 0 0 0
ALLIED-SIGNAL INCORPORATE Com 019512102 35,280 560 SH
Other 0 0 0 0
TENDASOFT, INC Com 01HA12297 103,073 13,743 SH
Other 0 13,743 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 171,292 132 SH
Sole 0 15 0 186
CENTRI-CAST CORPORATION Com 01HA15692 89,539 69 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 28,386 397 SH
Sole 0 5,625 0 3,836
ALLTEL CORPORATION Com 020039103 155,584 2,176 SH
Defined 0 0 0 0
ALLTEL CORPORATION Com 020039103 492,492 6,888 SH
Other 0 0 0 0
AMERICA ONLINE INCORPORAT Com 02364J104 236,500 2,150 SH
Sole 0 4,019 0 2,576
AMERICA ONLINE INCORPORAT Com 02364J104 119,130 1,083 SH
Defined 0 0 0 0
AMERICA ONLINE INCORPORAT Com 02364J104 369,820 3,362 SH
Other 0 0 0 0
AMERICAN ELECTRIC POWER C Com 025537101 3,292,316 87,649 SH
Sole 0 79,161 0 48,115
AMERICAN ELECTRIC POWER C Com 025537101 1,301,315 34,644 SH
Defined 0 0 0 0
AMERICAN ELECTRIC POWER C Com 025537101 187,174 4,983 SH
Other 0 0 0 0
AMERICAN EXPRESS COMPANY Com 025816109 225,246 1,731 SH
Sole 0 1,508 0 2,371
AMERICAN EXPRESS COMPANY Com 025816109 135,330 1,040 SH
Defined 0 0 0 0
AMERICAN EXPRESS COMPANY Com 025816109 144,179 1,108 SH
Other 0 0 0 0
AMERICAN HOME PRODUCTS CO Com 026609107 354,004 6,170 SH
Sole 0 7,446 0 4,470
AMERICAN HOME PRODUCTS CO Com 026609107 275,400 4,800 SH
Defined 0 0 0 0
AMERICAN HOME PRODUCTS CO Com 026609107 54,277 946 SH
Other 0 0 0 0
AMERICAN INTERNATIONAL GR Com 026874107 160,515 1,369 SH
Sole 0 4,868 0 2,889
AMERICAN INTERNATIONAL GR Com 026874107 119,595 1,020 SH
Defined 0 0 0 0
AMERICAN INTERNATIONAL GR Com 026874107 629,398 5,368 SH
Other 0 0 0 0
AMERICAN POWER CONVERSION Com 029066107 3,957,883 196,665 SH
Sole 0 190,345 0 28,630
AMERICAN POWER CONVERSION Com 029066107 424,839 21,110 SH
Defined 0 0 0 0
AMERICAN POWER CONVERSION Com 029066107 24,150 1,200 SH
Other 0 0 0 0
AMERITECH CORPORATION Com 030954101 7,650,615 104,090 SH
Sole 0 98,387 0 21,606
AMERITECH CORPORATION Com 030954101 994,235 13,527 SH
Defined 0 0 0 0
AMERITECH CORPORATION Com 030954101 174,636 2,376 SH
Other 0 0 0 0
ANHEUSER BUSCH COMPANIES Com 035229103 390,156 5,500 SH
Sole 0 5,700 0 723
ANHEUSER BUSCH COMPANIES Com 035229103 17,947 253 SH
Defined 0 0 0 0
ANHEUSER BUSCH COMPANIES Com 035229103 47,528 670 SH
Other 0 0 0 0
ASHLAND INC. Com 044204105 3,006,767 74,935 SH
Sole 0 68,225 0 23,814
ASHLAND INC. Com 044204105 657,248 16,380 SH
Defined 0 0 0 0
ASHLAND INC. Com 044204105 29,051 724 SH
Other 0 0 0 0
ATLANTIC RICHFIELD COMPAN Com 048825103 5,151,628 61,650 SH
Sole 0 66,203 0 19,167
ATLANTIC RICHFIELD COMPAN Com 048825103 1,898,540 22,720 SH
Defined 0 0 0 0
ATLANTIC RICHFIELD COMPAN Com 048825103 83,563 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 6,891,280 156,620 SH
Sole 0 144,824 0 23,237
AUTOMATIC DATA PROCESSING Com 053015103 482,724 10,971 SH
Defined 0 0 0 0
AUTOMATIC DATA PROCESSING Com 053015103 20,680 470 SH
Other 0 0 0 0
BB&T CORP COM STK Com 054937107 18,601 507 SH
Sole 0 24,322 0 6,713
BB&T CORP COM STK Com 054937107 1,119,996 30,528 SH
Other 0 0 0 0
BP AMOCO Com 055622104 28,333,473 261,138 SH
Sole 0 258,141 0 58,176
BP AMOCO Com 055622104 5,494,983 50,645 SH
Defined 0 0 0 0
BP AMOCO Com 055622104 491,939 4,534 SH
Other 0 0 0 0
BANK AMER CORP COM Com 060505104 315,170 4,299 SH
Sole 0 4,312 0 13,853
BANK AMER CORP COM Com 060505104 582,688 7,948 SH
Defined 0 0 0 0
BANK AMER CORP COM Com 060505104 433,863 5,918 SH
Other 0 0 0 0
BANK ONE CORP Com 06423A103 8,219,685 138,001 SH
Sole 0 118,332 0 68,532
BANK ONE CORP Com 06423A103 1,371,844 23,032 SH
Defined 0 0 0 0
BANK ONE CORP Com 06423A103 1,538,559 25,831 SH
Other 0 0 0 0
BECTON DICKINSON Com 075887109 316,800 10,560 SH
Defined 0 10,560 0 0
BELL ATLANTIC Com 077853109 443,766 6,788 SH
Sole 0 5,744 0 7,735
BELL ATLANTIC Com 077853109 338,773 5,182 SH
Defined 0 0 0 0
BELL ATLANTIC Com 077853109 98,651 1,509 SH
Other 0 0 0 0
BELLSOUTH Com 079860102 246,077 5,335 SH
Sole 0 4,790 0 8,691
BELLSOUTH Com 079860102 348,244 7,550 SH
Defined 0 0 0 0
BELLSOUTH Com 079860102 27,491 596 SH
Other 0 0 0 0
BERKSHIRE HATHAWAY INC CL Com 084670207 94,080 42 SH
Sole 0 21 0 262
BERKSHIRE HATHAWAY INC CL Com 084670207 470,400 210 SH
Defined 0 0 0 0
BERKSHIRE HATHAWAY INC CL Com 084670207 69,440 31 SH
Other 0 0 0 0
BIOMET INCORPORATED Com 090613100 13,169,930 331,319 SH
Sole 0 306,388 0 68,169
BIOMET INCORPORATED Com 090613100 1,497,303 37,668 SH
Defined 0 0 0 0
BIOMET INCORPORATED Com 090613100 221,408 5,570 SH
Other 0 0 0 0
H & R BLOCK INCORPORATED Com 093671105 175,000 3,500 SH
Sole 0 4,904 0 400
H & R BLOCK INCORPORATED Com 093671105 70,200 1,404 SH
Defined 0 0 0 0
H & R BLOCK INCORPORATED Com 093671105 20,000 400 SH
Other 0 0 0 0
BOEING COMPANY Com 097023105 889,460 20,215 SH
Sole 0 18,785 0 20,811
BOEING COMPANY Com 097023105 818,400 18,600 SH
Defined 0 0 0 0
BOEING COMPANY Com 097023105 34,364 781 SH
Other 0 0 0 0
BRE-X MINERALS LIMITED Com 10625K109 20,125 12,500 SH
Other 0 12,500 0 0
BRISTOL-MYERS SQUIBB COMP Com 110122108 794,535 11,280 SH
Sole 0 13,910 0 32,053
BRISTOL-MYERS SQUIBB COMP Com 110122108 1,561,952 22,175 SH
Defined 0 0 0 0
BRISTOL-MYERS SQUIBB COMP Com 110122108 881,032 12,508 SH
Other 0 0 0 0
CDI CORPORATION Com 125071100 258,875 7,600 SH
Sole 0 4,725 0 11,900
CDI CORPORATION Com 125071100 307,414 9,025 SH
Defined 0 0 0 0
CFS BANCORP, INC. Com 12525D102 138,906 12,700 SH
Other 0 10,000 0 2,700
CIGNA CORPORATION Com 125509109 320,400 3,600 SH
Other 0 3,600 0 0
CIT GROUP INC CL A Com 125577106 4,054,339 140,410 SH
Sole 0 135,700 0 12,060
CIT GROUP INC CL A Com 125577106 212,231 7,350 SH
Defined 0 0 0 0
CNY FINANCIAL CORPORATION Com 12613U107 699,180 58,265 SH
Other 0 42,905 0 15,360
CSX CORPORATION Com 126408103 168,523 3,714 SH
Defined 0 2,902 0 7,214
CSX CORPORATION Com 126408103 290,491 6,402 SH
Other 0 0 0 0
CAMCO FINANCIAL CORP COMM Com 132618109 482,583 36,594 SH
Other 0 33,625 0 2,969
CAMERON FINANCIAL CORPORA Com 133425108 230,313 16,750 SH
Other 0 11,250 0 5,500
CAMPBELL SOUP CO. Com 134429109 175,761 3,790 SH
Sole 0 2,480 0 2,360
CAMPBELL SOUP CO. Com 134429109 25,506 550 SH
Defined 0 0 0 0
CAMPBELL SOUP CO. Com 134429109 23,188 500 SH
Other 0 0 0 0
CAPITOL FEDERAL FINANCIAL Com 14057C106 406,019 38,900 SH
Other 0 32,500 0 6,400
CARLISLE COMPANIES INC Com 142339100 4,630,588 96,220 SH
Sole 0 91,120 0 5,950
CARLISLE COMPANIES INC Com 142339100 16,844 350 SH
Defined 0 0 0 0
CARLISLE COMPANIES INC Com 142339100 24,063 500 SH
Other 0 0 0 0
CARNIVAL CORPORATION COM Com 143658102 7,793,708 160,695 SH
Sole 0 146,859 0 30,797
CARNIVAL CORPORATION COM Com 143658102 822,609 16,961 SH
Defined 0 0 0 0
CATERPILLAR INCORPORATED Com 149123101 120,540 2,009 SH
Sole 0 1,580 0 3,474
CATERPILLAR INCORPORATED Com 149123101 128,700 2,145 SH
Defined 0 0 0 0
CATERPILLAR INCORPORATED Com 149123101 54,000 900 SH
Other 0 0 0 0
CHAMPION INTERNATIONAL Com 158525105 29,443 615 SH
Sole 0 100 0 4,615
CHAMPION INTERNATIONAL Com 158525105 57,450 1,200 SH
Defined 0 0 0 0
CHAMPION INTERNATIONAL Com 158525105 138,838 2,900 SH
Other 0 0 0 0
CHANCELLOR MEDIA CORP CL Com 158915108 13,781 250 SH
Sole 0 3,500 0 250
CHANCELLOR MEDIA CORP CL Com 158915108 192,938 3,500 SH
Other 0 0 0 0
CHASE MANHATTAN CORP.(NEW Com 16161A108 107,952 1,248 SH
Sole 0 1,350 0 6,084
CHASE MANHATTAN CORP.(NEW Com 16161A108 517,789 5,986 SH
Defined 0 0 0 0
CHASE MANHATTAN CORP.(NEW Com 16161A108 17,300 200 SH
Other 0 0 0 0
CHEVRON CORPORATION Com 166751107 1,705,041 17,936 SH
Sole 0 13,466 0 19,377
CHEVRON CORPORATION Com 166751107 1,141,415 12,007 SH
Defined 0 0 0 0
CHEVRON CORPORATION Com 166751107 275,681 2,900 SH
Other 0 0 0 0
CINCINNATI BELL INCORPORA Com 171870108 224,438 9,000 SH
Sole 0 78,398 0 38,503
CINCINNATI BELL INCORPORA Com 171870108 2,630,931 105,501 SH
Defined 0 0 0 0
CINCINNATI BELL INCORPORA Com 171870108 59,850 2,400 SH
Other 0 0 0 0
CINCINNATI FINANCIAL CORP Com 172062101 29,679,596 790,139 SH
Sole 0 2,138,979 0 241,864
CINCINNATI FINANCIAL CORP Com 172062101 24,742,757 658,709 SH
Defined 0 0 0 0
CINCINNATI FINANCIAL CORP Com 172062101 35,008,062 931,995 SH
Other 0 0 0 0
CINERGY CORP. Com 172474108 84,960 2,655 SH
Sole 0 4,050 0 20,480
CINERGY CORP. Com 172474108 520,288 16,259 SH
Defined 0 0 0 0
CINERGY CORP. Com 172474108 179,712 5,616 SH
Other 0 0 0 0
CISCO SYSTEMS Com 17275R102 299,183 4,643 SH
Sole 0 30,515 0 14,733
CISCO SYSTEMS Com 17275R102 1,183,073 18,360 SH
Defined 0 0 0 0
CISCO SYSTEMS Com 17275R102 1,433,412 22,245 SH
Other 0 0 0 0
CINTAS CORPORATION Com 172908105 807,594 12,020 SH
Sole 0 18,635 0 3,668
CINTAS CORPORATION Com 172908105 115,227 1,715 SH
Defined 0 0 0 0
CINTAS CORPORATION Com 172908105 575,663 8,568 SH
Other 0 0 0 0
CITIGROUP INC Com 172967101 135,375 2,850 SH
Sole 0 5,358 0 4,013
CITIGROUP INC Com 172967101 64,125 1,350 SH
Defined 0 0 0 0
CITIGROUP INC Com 172967101 245,575 5,170 SH
Other 0 0 0 0
COCA-COLA COMPANY Com 191216100 198,400 3,200 SH
Sole 0 10,307 0 26,519
COCA-COLA COMPANY Com 191216100 772,644 12,462 SH
Defined 0 0 0 0
COCA-COLA COMPANY Com 191216100 1,312,168 21,164 SH
Other 0 0 0 0
COHOES BANCORP INC Com 192513109 355,428 29,619 SH
Other 0 29,619 0 0
COLGATE-PALMOLIVE COMPANY Com 194162103 212,563 2,158 SH
Sole 0 5,556 0 1,102
COLGATE-PALMOLIVE COMPANY Com 194162103 216,700 2,200 SH
Defined 0 0 0 0
COLGATE-PALMOLIVE COMPANY Com 194162103 226,550 2,300 SH
Other 0 0 0 0
COMAIR HOLDINGS, INCORPOR Com 199789108 10,624,906 510,506 SH
Sole 0 497,593 0 122,755
COMAIR HOLDINGS, INCORPOR Com 199789108 2,148,391 103,226 SH
Defined 0 0 0 0
COMAIR HOLDINGS, INCORPOR Com 199789108 137,675 6,615 SH
Other 0 0 0 0
COMERICA Com 200340107 9,281,641 156,158 SH
Sole 0 151,749 0 7,644
COMERICA Com 200340107 62,707 1,055 SH
Defined 0 0 0 0
COMERICA Com 200340107 129,574 2,180 SH
Other 0 0 0 0
COMMUNITY INVESTORS BANCO Com 203719109 517,473 55,943 SH
Other 0 53,638 0 2,306
COMMUNITY FIRST BANKING C Com 203913108 238,500 12,000 SH
Other 0 12,000 0 0
COMMUNITY SVGS BANKSHARES Com 204037105 400,743 31,742 SH
Other 0 31,742 0 0
COMPOSITECH LTD Com 204938104 67,644 27,400 SH
Other 0 27,400 0 0
CONAGRA INCORPORATED Com 205887102 2,816,259 105,775 SH
Sole 0 92,597 0 21,130
CONAGRA INCORPORATED Com 205887102 63,368 2,380 SH
Defined 0 0 0 0
CONAGRA INCORPORATED Com 205887102 148,355 5,572 SH
Other 0 0 0 0
CONEXANT SYS INC Com 207142100 269,875 4,648 SH
Sole 0 4,648 0 0
CONSOLIDATED EDISON INC Com 209115104 22,625 500 SH
Sole 0 3,100 0 1,645
CONSOLIDATED EDISON INC Com 209115104 192,086 4,245 SH
Defined 0 0 0 0
CONSOLIDATED NATURAL GAS Com 209615103 2,430 40 SH
Sole 0 4,471 0 0
CONSOLIDATED NATURAL GAS Com 209615103 269,183 4,431 SH
Defined 0 0 0 0
CONVERGYS CORP COM Com 212485106 99,781 5,150 SH
Sole 0 78,398 0 33,593
CONVERGYS CORP COM Com 212485106 2,023,544 104,441 SH
Defined 0 0 0 0
CONVERGYS CORP COM Com 212485106 46,500 2,400 SH
Other 0 0 0 0
COOPER TIRE & RUBBER Com 216831107 4,821,272 204,075 SH
Sole 0 200,525 0 43,475
COOPER TIRE & RUBBER Com 216831107 929,053 39,325 SH
Defined 0 0 0 0
COOPER TIRE & RUBBER Com 216831107 14,175 600 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 48,563 2,625 SH
Sole 0 9,456 0 8,162
DPL INCORPORATED Com 233293109 187,960 10,160 SH
Defined 0 0 0 0
DPL INCORPORATED Com 233293109 89,411 4,833 SH
Other 0 0 0 0
DEAN FOODS Com 242361103 219,575 5,283 SH
Sole 0 5,283 0 0
DELL COMPUTER Com 247025109 81,400 2,200 SH
Sole 0 10,095 0 17,409
DELL COMPUTER Com 247025109 262,626 7,098 SH
Defined 0 0 0 0
DELL COMPUTER Com 247025109 673,622 18,206 SH
Other 0 0 0 0
DELTA AIRLINES Com 247361108 379,806 6,591 SH
Other 0 1,400 0 5,191
WALT DISNEY PRODUCTIONS Com 254687106 411,100 13,342 SH
Sole 0 13,645 0 8,321
WALT DISNEY PRODUCTIONS Com 254687106 178,651 5,798 SH
Defined 0 0 0 0
WALT DISNEY PRODUCTIONS Com 254687106 87,076 2,826 SH
Other 0 0 0 0
R R DONNELLEY & SONS COMP Com 257867101 222,375 6,000 SH
Defined 0 6,000 0 0
DOW CHEMICAL COMPANY Com 260543103 62,803 495 SH
Sole 0 500 0 3,395
DOW CHEMICAL COMPANY Com 260543103 114,188 900 SH
Defined 0 0 0 0
DOW CHEMICAL COMPANY Com 260543103 317,188 2,500 SH
Other 0 0 0 0
DU PONT (E I) DE NEMOURS Com 263534109 107,934 1,580 SH
Sole 0 3,120 0 6,017
DU PONT (E I) DE NEMOURS Com 263534109 468,760 6,862 SH
Defined 0 0 0 0
DU PONT (E I) DE NEMOURS Com 263534109 47,477 695 SH
Other 0 0 0 0
DUKE ENERGY CORP Com 264399106 72,946 1,340 SH
Sole 0 1,980 0 4,362
DUKE ENERGY CORP Com 264399106 267,941 4,922 SH
Defined 0 0 0 0
DUKE ENERGY CORP Com 264399106 4,355 80 SH
Other 0 0 0 0
EMC CORPORATION Com 268648102 15,449,500 280,900 SH
Sole 0 266,660 0 51,160
EMC CORPORATION Com 268648102 2,029,500 36,900 SH
Defined 0 0 0 0
EMC CORPORATION Com 268648102 1,100 20 SH
Other 0 0 0 0
ESB FINANCIAL CORP Com 26884F102 161,293 12,289 SH
Other 0 12,289 0 0
EARTHSHELL CORP COM STK Com 27032B100 17,073 2,439 SH
Sole 0 19,464 0 0
EARTHSHELL CORP COM STK Com 27032B100 119,175 17,025 SH
Other 0 0 0 0
EATON CORPORATION Com 278058102 255,300 2,775 SH
Sole 0 540 0 4,075
EATON CORPORATION Com 278058102 49,680 540 SH
Defined 0 0 0 0
EATON CORPORATION Com 278058102 119,600 1,300 SH
Other 0 0 0 0
ECOLAB INC Com 278865100 1,081,900 24,800 SH
Sole 0 24,300 0 500
ELECTRONIC DATA SYS CORP Com 285661104 208,776 3,687 SH
Defined 0 316 0 3,371
EMERSON ELECTRIC COMPANY Com 291011104 1,145,400 18,199 SH
Sole 0 5,575 0 25,699
EMERSON ELECTRIC COMPANY Com 291011104 753,677 11,975 SH
Defined 0 0 0 0
EMERSON ELECTRIC COMPANY Com 291011104 69,231 1,100 SH
Other 0 0 0 0
EQUIFAX INCORPORATED Com 294429105 10,031,756 281,100 SH
Sole 0 270,763 0 56,702
EQUIFAX INCORPORATED Com 294429105 1,624,317 45,515 SH
Defined 0 0 0 0
EQUIFAX INCORPORATED Com 294429105 30,334 850 SH
Other 0 0 0 0
EVEREN CAP CORP Com 299761106 2,603,973 87,345 SH
Sole 0 85,800 0 3,705
EVEREN CAP CORP Com 299761106 64,395 2,160 SH
Defined 0 0 0 0
EXXON CORPORATION Com 302290101 2,286,448 29,646 SH
Sole 0 41,664 0 33,723
EXXON CORPORATION Com 302290101 3,210,020 41,621 SH
Defined 0 0 0 0
EXXON CORPORATION Com 302290101 317,755 4,120 SH
Other 0 0 0 0
EYETEL TECHNOLOGIES INC. Com 30229Q104 5,481 121,802 SH
Sole 0 121,802 0 0
FFY FINANCIAL CORPORATION Com 30242U108 198,505 10,730 SH
Other 0 10,730 0 0
FEDERAL NATIONAL MORTGAGE Com 313586109 8,128,916 119,105 SH
Sole 0 111,930 0 18,247
FEDERAL NATIONAL MORTGAGE Com 313586109 385,067 5,642 SH
Defined 0 0 0 0
FEDERAL NATIONAL MORTGAGE Com 313586109 370,598 5,430 SH
Other 0 0 0 0
FIDELITY FINANCIAL OF OHI Com 31614P107 3,600 300 SH
Sole 0 50,680 0 16,134
FIDELITY FINANCIAL OF OHI Com 31614P107 28,800 2,400 SH
Defined 0 0 0 0
FIDELITY FINANCIAL OF OHI Com 31614P107 769,368 64,114 SH
Other 0 0 0 0
FIFTH THIRD BANCORPORATIO Com 316773100 1,869,075 28,080 SH
Sole 0 51,809 0 75,553
FIFTH THIRD BANCORPORATIO Com 316773100 2,304,527 34,622 SH
Defined 0 0 0 0
FIFTH THIRD BANCORPORATIO Com 316773100 4,303,931 64,660 SH
Other 0 0 0 0
FIRST BANCORP OF INDIANA Com 31867T103 449,750 44,975 SH
Other 0 22,500 0 22,475
1ST BELL BANCORP INC COM Com 319301107 186,375 10,500 SH
Other 0 10,000 0 500
FIRST DATA CORPORATION Com 319963104 4,277,872 87,415 SH
Sole 0 83,795 0 5,530
FIRST DATA CORPORATION Com 319963104 88,577 1,810 SH
Defined 0 0 0 0
FIRST DATA CORPORATION Com 319963104 4,894 100 SH
Other 0 0 0 0
FIRST DEFIANCE FINANCIAL Com 32006W106 236,385 21,012 SH
Other 0 20,520 0 492
FIRST FINANCIAL BANCORP Com 320209109 107,632,713 4,757,247 SH
Sole 0 6,113,199 0 3,419,634
FIRST FINANCIAL BANCORP Com 320209109 67,174,643 2,969,045 SH
Defined 0 0 0 0
FIRST FINANCIAL BANCORP Com 320209109 40,872,990 1,806,541 SH
Other 0 0 0 0
FIRST NILES FINANCIAL Com 33582N106 999,694 72,050 SH
Other 0 68,900 0 3,150
FIRST PLACE FINANCIAL COR Com 33610T109 924,767 75,108 SH
Other 0 41,500 0 33,608
FIRST SECURITYFED FINL IN Com 336392105 172,420 14,993 SH
Other 0 7,194 0 7,799
FIRST UNION CORPORATION Com 337358105 9,284 197 SH
Sole 0 728 0 9,379
FIRST UNION CORPORATION Com 337358105 190,762 4,048 SH
Defined 0 0 0 0
FIRST UNION CORPORATION Com 337358105 276,247 5,862 SH
Other 0 0 0 0
FIRSTAR CORP Com 33763V109 288,176 10,292 SH
Sole 0 88,313 0 61,823
FIRSTAR CORP Com 33763V109 2,126,012 75,929 SH
Defined 0 0 0 0
FIRSTAR CORP Com 33763V109 1,789,620 63,915 SH
Other 0 0 0 0
FIRSTMERIT CORP. Com 337915102 845,916 30,144 SH
Defined 0 74,819 0 2,160
FIRSTMERIT CORP. Com 337915102 1,314,307 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 249,625 28,942 SH
Other 0 25,392 0 3,550
FORD MOTOR COMPANY Com 345370100 81,834 1,450 SH
Sole 0 3,756 0 3,410
FORD MOTOR COMPANY Com 345370100 186,131 3,298 SH
Defined 0 0 0 0
FORD MOTOR COMPANY Com 345370100 136,466 2,418 SH
Other 0 0 0 0
FORT THOMAS FINANCIAL COR Com 349031104 230,411 20,481 SH
Other 0 20,181 0 300
FORTUNE BRANDS INC COM ST Com 349631101 36,576 884 SH
Sole 0 2,800 0 2,472
FORTUNE BRANDS INC COM ST Com 349631101 159,046 3,844 SH
Defined 0 0 0 0
FORTUNE BRANDS INC COM ST Com 349631101 22,508 544 SH
Other 0 0 0 0
FRISCH'S RESTAURANTS, INC Com 358748101 104,009 10,025 SH
Defined 0 1,691 0 10,025
FRISCH'S RESTAURANTS, INC Com 358748101 17,544 1,691 SH
Other 0 0 0 0
GA FINANCIAL, INC. Com 361437106 691,821 47,304 SH
Other 0 35,825 0 11,479
GPU INC. Com 36225X100 2,064,445 48,935 SH
Sole 0 46,300 0 5,955
GPU INC. Com 36225X100 140,063 3,320 SH
Defined 0 0 0 0
GTE CORPORATION Com 362320103 356,436 4,721 SH
Sole 0 5,961 0 9,564
GTE CORPORATION Com 362320103 457,304 6,057 SH
Defined 0 0 0 0
GTE CORPORATION Com 362320103 358,399 4,747 SH
Other 0 0 0 0
GENERAL AMERICAN INVESTOR Com 368802104 32,750 1,000 SH
Sole 0 6,156 0 0
GENERAL AMERICAN INVESTOR Com 368802104 45,916 1,402 SH
Defined 0 0 0 0
GENERAL AMERICAN INVESTOR Com 368802104 122,944 3,754 SH
Other 0 0 0 0
GENERAL ELECTRIC COMPANY Com 369604103 8,523,703 75,431 SH
Sole 0 119,439 0 54,415
GENERAL ELECTRIC COMPANY Com 369604103 7,417,772 65,644 SH
Defined 0 0 0 0
GENERAL ELECTRIC COMPANY Com 369604103 3,704,027 32,779 SH
Other 0 0 0 0
GENERAL MILLS INCORPORATE Com 370334104 48,225 600 SH
Sole 0 2,597 0 600
GENERAL MILLS INCORPORATE Com 370334104 208,734 2,597 SH
Defined 0 0 0 0
GENERAL MOTORS CORPORATIO Com 370442105 274,428 4,158 SH
Sole 0 2,975 0 5,398
GENERAL MOTORS CORPORATIO Com 370442105 246,180 3,730 SH
Defined 0 0 0 0
GENERAL MOTORS CORPORATIO Com 370442105 32,010 485 SH
Other 0 0 0 0
GILLETTE COMPANY Com 375766102 651,736 15,896 SH
Sole 0 18,354 0 9,116
GILLETTE COMPANY Com 375766102 159,900 3,900 SH
Defined 0 0 0 0
GILLETTE COMPANY Com 375766102 314,634 7,674 SH
Other 0 0 0 0
GLAXO WELLCOME PLC Com 37733W105 143,601 2,536 SH
Defined 0 1,612 0 2,504
GLAXO WELLCOME PLC Com 37733W105 89,468 1,580 SH
Other 0 0 0 0
GOODYEAR TIRE & RUBBER CO Com 382550101 11,468 195 SH
Sole 0 20 0 4,195
GOODYEAR TIRE & RUBBER CO Com 382550101 1,176 20 SH
Defined 0 0 0 0
GOODYEAR TIRE & RUBBER CO Com 382550101 235,250 4,000 SH
Other 0 0 0 0
GOUVERNEUR BANCORP INC Com 383584109 144,375 35,000 SH
Other 0 10,000 0 25,000
GREAT PEE DEE BANCORP, IN Com 39115R100 297,563 23,000 SH
Other 0 23,000 0 0
HALLIBURTON COMPANY Com 406216101 557,706 12,325 SH
Sole 0 8,075 0 16,690
HALLIBURTON COMPANY Com 406216101 531,235 11,740 SH
Defined 0 0 0 0
HALLIBURTON COMPANY Com 406216101 31,675 700 SH
Other 0 0 0 0
HARBOR FLORIDA BANCSHARES Com 411901101 623,525 50,900 SH
Other 0 50,000 0 900
HARLEY DAVIDSON Com 412822108 3,702,666 68,095 SH
Sole 0 63,285 0 15,730
HARLEY DAVIDSON Com 412822108 558,431 10,270 SH
Defined 0 0 0 0
HARLEY DAVIDSON Com 412822108 35,344 650 SH
Other 0 0 0 0
HJ HEINZ Com 423074103 40,100 800 SH
Sole 0 1,250 0 3,152
HJ HEINZ Com 423074103 2,607 52 SH
Defined 0 0 0 0
HJ HEINZ Com 423074103 177,944 3,550 SH
Other 0 0 0 0
HEWLETT PACKARD Com 428236103 15,533,381 154,561 SH
Sole 0 147,586 0 36,475
HEWLETT PACKARD Com 428236103 2,739,128 27,255 SH
Defined 0 0 0 0
HEWLETT PACKARD Com 428236103 225,623 2,245 SH
Other 0 0 0 0
HILLENBRAND INDUSTRIES Com 431573104 10,152,721 234,745 SH
Sole 0 222,890 0 44,085
HILLENBRAND INDUSTRIES Com 431573104 1,355,023 31,330 SH
Defined 0 0 0 0
HILLENBRAND INDUSTRIES Com 431573104 38,925 900 SH
Other 0 0 0 0
HOME CITY FINANCIAL CORP Com 43706C100 297,230 22,017 SH
Other 0 15,497 0 6,520
HOME DEPOT INCORPORATED Com 437076102 96,527 1,498 SH
Sole 0 3,400 0 3,257
HOME DEPOT INCORPORATED Com 437076102 39,887 619 SH
Defined 0 0 0 0
HOME DEPOT INCORPORATED Com 437076102 292,546 4,540 SH
Other 0 0 0 0
HOME LOAN FINANCIAL CORP Com 437183106 140,625 15,000 SH
Other 0 15,000 0 0
HORACE MANN EDUCATORS COR Com 440327104 5,089,283 187,192 SH
Sole 0 173,550 0 23,742
HORACE MANN EDUCATORS COR Com 440327104 274,594 10,100 SH
Defined 0 0 0 0
HOUSEHOLD INTERNATIONAL Com 441815107 127,913 2,700 SH
Sole 0 5,610 0 0
HOUSEHOLD INTERNATIONAL Com 441815107 137,861 2,910 SH
Defined 0 0 0 0
HUBBELL INC. CL B Com 443510201 648,318 14,288 SH
Defined 0 14,288 0 0
HUDSON RIVER BANCORP, INC Com 444128102 912,295 82,004 SH
Other 0 66,293 0 15,711
ISB FINANCIAL CORPORATION Com 450091103 417,315 19,410 SH
Other 0 12,350 0 7,060
ITT INDUSTRIES INC. Com 450911102 3,719,094 97,550 SH
Sole 0 91,200 0 20,625
ITT INDUSTRIES INC. Com 450911102 536,609 14,075 SH
Defined 0 0 0 0
ITT INDUSTRIES INC. Com 450911102 7,625 200 SH
Other 0 0 0 0
ILLINOVA CORPORATION Com 452317100 3,474,920 127,520 SH
Sole 0 123,464 0 21,862
ILLINOVA CORPORATION Com 452317100 482,489 17,706 SH
Defined 0 0 0 0
ILLINOVA CORPORATION Com 452317100 2,725 100 SH
Other 0 0 0 0
INDUSTRIAL BANCORP INCORP Com 455882100 683,235 33,740 SH
Other 0 31,740 0 2,000
INNOVA TECHNOLOGIES (CANA Com 45765A107 7,000 10,000 SH
Sole 0 10,000 0 0
INTEL CORPORATION Com 458140100 11,217,952 188,537 SH
Sole 0 190,054 0 65,427
INTEL CORPORATION Com 458140100 2,591,939 43,562 SH
Defined 0 0 0 0
INTEL CORPORATION Com 458140100 1,391,229 23,382 SH
Other 0 0 0 0
INTERNATIONAL BUSINESS MA Com 459200101 10,218,247 79,058 SH
Sole 0 75,582 0 14,341
INTERNATIONAL BUSINESS MA Com 459200101 707,127 5,471 SH
Defined 0 0 0 0
INTERNATIONAL BUSINESS MA Com 459200101 697,175 5,394 SH
Other 0 0 0 0
INTERNATIONAL PAPER COMPA Com 460146103 61,154 1,217 SH
Sole 0 984 0 9,715
INTERNATIONAL PAPER COMPA Com 460146103 62,913 1,252 SH
Defined 0 0 0 0
INTERNATIONAL PAPER COMPA Com 460146103 413,558 8,230 SH
Other 0 0 0 0
INTERPUBLIC GROUP Com 460690100 64,969 750 SH
Sole 0 450 0 2,050
INTERPUBLIC GROUP Com 460690100 151,594 1,750 SH
Defined 0 0 0 0
ISONICS CORP Com 464895101 64,831 25,300 SH
Sole 0 25,300 0 0
JACOBS ENGINEERING GROUP Com 469814107 1,802,150 47,425 SH
Sole 0 41,700 0 12,600
JACOBS ENGINEERING GROUP Com 469814107 261,250 6,875 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 1,629,152 16,624 SH
Sole 0 19,514 0 10,637
JOHNSON & JOHNSON COMPANY Com 478160104 328,202 3,349 SH
Defined 0 0 0 0
JOHNSON & JOHNSON COMPANY Com 478160104 997,444 10,178 SH
Other 0 0 0 0
JONPOL EXPLORATIONS (CANA Com 480600105 500 10,000 SH
Other 0 10,000 0 0
KELLOGG COMPANY Com 487836108 140,250 4,250 SH
Sole 0 4,950 0 3,456
KELLOGG COMPANY Com 487836108 115,500 3,500 SH
Defined 0 0 0 0
KELLOGG COMPANY Com 487836108 21,648 656 SH
Other 0 0 0 0
KENNAMETAL INCORPORATED Com 489170100 1,691,825 54,575 SH
Sole 0 52,665 0 19,275
KENNAMETAL INCORPORATED Com 489170100 538,315 17,365 SH
Defined 0 0 0 0
KEYCORP (NEW) Com 493267108 305,316 9,504 SH
Sole 0 9,564 0 9,991
KEYCORP (NEW) Com 493267108 149,413 4,651 SH
Defined 0 0 0 0
KEYCORP (NEW) Com 493267108 173,475 5,400 SH
Other 0 0 0 0
KOHL'S CORPORATION (WISCO Com 500255104 99,938 1,300 SH
Sole 0 1,100 0 1,600
KOHL'S CORPORATION (WISCO Com 500255104 76,875 1,000 SH
Defined 0 0 0 0
KOHL'S CORPORATION (WISCO Com 500255104 30,750 400 SH
Other 0 0 0 0
ESTEE LAUDER COSMETIC, IN Com 518439104 200,500 4,000 SH
Sole 0 4,400 0 0
ESTEE LAUDER COSMETIC, IN Com 518439104 20,050 400 SH
Defined 0 0 0 0
ELI LILLY & COMPANY Com 532457108 733,727 10,244 SH
Sole 0 11,723 0 17,548
ELI LILLY & COMPANY Com 532457108 1,001,318 13,980 SH
Defined 0 0 0 0
ELI LILLY & COMPANY Com 532457108 361,491 5,047 SH
Other 0 0 0 0
LILLY INDUSTRIES INCORPOR Com 532491107 1,144,267 61,644 SH
Sole 0 54,244 0 28,625
LILLY INDUSTRIES INCORPOR Com 532491107 393,989 21,225 SH
Defined 0 0 0 0
LINCOLN BANCORP Com 532879103 1,512,584 122,229 SH
Other 0 35,000 0 87,229
LOCKHEED MARTIN GROUP Com 539830109 44,700 1,200 SH
Sole 0 1,200 0 5,392
LOCKHEED MARTIN GROUP Com 539830109 191,167 5,132 SH
Defined 0 0 0 0
LOCKHEED MARTIN GROUP Com 539830109 9,685 260 SH
Other 0 0 0 0
LONE STAR INTERNATIONAL E Com 542294103 570 16,299 SH
Other 0 16,299 0 0
LUCENT TECHNOLOGIES INC Com 549463107 2,104,185 31,202 SH
Sole 0 55,144 0 45,572
LUCENT TECHNOLOGIES INC Com 549463107 3,213,397 47,650 SH
Defined 0 0 0 0
LUCENT TECHNOLOGIES INC Com 549463107 1,474,454 21,864 SH
Other 0 0 0 0
MBIA INCORPORATED Com 55262C100 9,713 150 SH
Sole 0 50 0 3,950
MBIA INCORPORATED Com 55262C100 158,638 2,450 SH
Defined 0 0 0 0
MBIA INCORPORATED Com 55262C100 90,650 1,400 SH
Other 0 0 0 0
MBNA CORPORATION Com 55262L100 5,264,407 171,899 SH
Sole 0 164,879 0 18,431
MBNA CORPORATION Com 55262L100 94,141 3,074 SH
Defined 0 0 0 0
MBNA CORPORATION Com 55262L100 255,321 8,337 SH
Other 0 0 0 0
MARKET FINANCIAL CORPORAT Com 57056A100 385,567 40,586 SH
Other 0 28,410 0 12,176
MARSH & MCLENNAN COMPANIE Com 571748102 425,742 5,625 SH
Defined 0 200 0 5,625
MARSH & MCLENNAN COMPANIE Com 571748102 15,138 200 SH
Other 0 0 0 0
MAYTAG CORPORATION Com 578592107 4,725,608 67,690 SH
Sole 0 60,525 0 15,702
MAYTAG CORPORATION Com 578592107 549,773 7,875 SH
Defined 0 0 0 0
MAYTAG CORPORATION Com 578592107 46,216 662 SH
Other 0 0 0 0
MC CORMICK & CO INC Com 579780206 3,044,519 96,460 SH
Sole 0 90,600 0 13,310
MC CORMICK & CO INC Com 579780206 235,141 7,450 SH
Defined 0 0 0 0
MC DONALDS CORPORATION Com 580135101 6,969,783 169,478 SH
Sole 0 179,659 0 26,781
MC DONALDS CORPORATION Com 580135101 1,416,839 34,452 SH
Defined 0 0 0 0
MC DONALDS CORPORATION Com 580135101 103,224 2,510 SH
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MEAD CORPORATION Com 582834107 156,437 3,747 SH
Sole 0 8,177 0 0
MEAD CORPORATION Com 582834107 91,015 2,180 SH
Defined 0 0 0 0
MEAD CORPORATION Com 582834107 93,938 2,250 SH
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MEDIAONE GROUP INC COM Com 58440J104 74,375 1,000 SH
Sole 0 288 0 2,437
MEDIAONE GROUP INC COM Com 58440J104 73,854 993 SH
Defined 0 0 0 0
MEDIAONE GROUP INC COM Com 58440J104 54,443 732 SH
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MEDTRONIC INCORPORATED Com 585055106 10,752,435 138,073 SH
Sole 0 147,481 0 38,047
MEDTRONIC INCORPORATED Com 585055106 3,330,324 42,765 SH
Defined 0 0 0 0
MEDTRONIC INCORPORATED Com 585055106 365,234 4,690 SH
Other 0 0 0 0
MERCK & COMPANY INCORPORA Com 589331107 19,614,878 266,416 SH
Sole 0 254,895 0 92,024
MERCK & COMPANY INCORPORA Com 589331107 4,131,688 56,118 SH
Defined 0 0 0 0
MERCK & COMPANY INCORPORA Com 589331107 1,795,346 24,385 SH
Other 0 0 0 0
MERIDIAN RESERVE, INC. Com 589776103 0 16,148 SH
Other 0 16,148 0 0
MERRILL LYNCH PIERCE FENN Com 590188108 143,100 1,800 SH
Sole 0 200 0 2,375
MERRILL LYNCH PIERCE FENN Com 590188108 61,613 775 SH
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MICROSOFT CORPORATION Com 594918104 297,078 3,294 SH
Sole 0 10,098 0 14,781
MICROSOFT CORPORATION Com 594918104 605,880 6,718 SH
Defined 0 0 0 0
MICROSOFT CORPORATION Com 594918104 1,340,818 14,867 SH
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MILTON FEDERAL FINANCIAL Com 601795107 13,260 1,040 SH
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MILTON FEDERAL FINANCIAL Com 601795107 771,056 60,475 SH
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MINISCRIBE CORP., COMMON Com 603669102 15 14,500 SH
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MINNESOTA MINING Com 604059105 1,074,200 12,356 SH
Sole 0 12,449 0 16,597
MINNESOTA MINING Com 604059105 1,447,509 16,650 SH
Defined 0 0 0 0
MINNESOTA MINING Com 604059105 3,478 40 SH
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MOBIL CORPORATION Com 607059102 271,365 2,748 SH
Sole 0 1,252 0 5,088
MOBIL CORPORATION Com 607059102 275,710 2,792 SH
Defined 0 0 0 0
MOBIL CORPORATION Com 607059102 79,000 800 SH
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MONSANTO COMPANY Com 611662107 19,781 500 SH
Sole 0 6,420 0 600
MONSANTO COMPANY Com 611662107 79,125 2,000 SH
Defined 0 0 0 0
MONSANTO COMPANY Com 611662107 178,823 4,520 SH
Other 0 0 0 0
MONTGOMERY FINANCIAL CORP Com 613826106 208,195 21,772 SH
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J.P. MORGAN & COMPANY Com 616880100 40,886 291 SH
Sole 0 2,501 0 0
J.P. MORGAN & COMPANY Com 616880100 290,835 2,070 SH
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J.P. MORGAN & COMPANY Com 616880100 19,670 140 SH
Other 0 0 0 0
MORGAN STANLEY DEAN WITTE Com 617446448 14,679,788 143,043 SH
Sole 0 131,303 0 20,020
MORGAN STANLEY DEAN WITTE Com 617446448 808,685 7,880 SH
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MORGAN STANLEY DEAN WITTE Com 617446448 41,050 400 SH
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MOTOROLA INCORPORATED Com 620076109 56,850 600 SH
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MOTOROLA INCORPORATED Com 620076109 92,287 974 SH
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NALCO CHEMICAL CORPORATIO Com 629853102 4,570,188 88,100 SH
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NALCO CHEMICAL CORPORATIO Com 629853102 888,359 17,125 SH
Defined 0 0 0 0
NALCO CHEMICAL CORPORATIO Com 629853102 46,688 900 SH
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NATIONAL CITY CORPORATION Com 635405103 5,742,156 87,667 SH
Sole 0 79,116 0 16,879
NATIONAL CITY CORPORATION Com 635405103 473,238 7,225 SH
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NATIONAL CITY CORPORATION Com 635405103 72,279 1,104 SH
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NATURES SUNSHINE PROD INC Com 639027101 523,950 49,900 SH
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NATURES SUNSHINE PROD INC Com 639027101 66,675 6,350 SH
Defined 0 0 0 0
NEW CENTURY ENERGIES INC Com 64352U103 150,204 3,870 SH
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NEW CENTURY ENERGIES INC Com 64352U103 207,298 5,341 SH
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NEW CENTURY ENERGIES INC Com 64352U103 19,406 500 SH
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NEWELL RUBBERMAID INC COM Com 651229106 5,769,514 124,410 SH
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NEWELL RUBBERMAID INC COM Com 651229106 383,058 8,260 SH
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NEWELL RUBBERMAID INC COM Com 651229106 56,160 1,211 SH
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NEWFOUNDLAND GOLDBAR RESO Com 65133L106 3,200 20,000 SH
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NIAGARA BANCORP, INC. Com 652914102 485,903 45,732 SH
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NOKIA CORPORATION Com 654902204 498,100 5,440 SH
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NORFOLK SOUTHERN CORPORAT Com 655844108 660,551 21,927 SH
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NORTH CENTRAL BANCSHARES, Com 658418108 552,750 33,000 SH
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NORTHEAST INDIANA BANCORP Com 664196102 276,600 18,440 SH
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NUCOR CORPORATION Com 670346105 270,394 5,700 SH
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NUCOR CORPORATION Com 670346105 49,335 1,040 SH
Defined 0 0 0 0
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OAKWOOD HOMES CORP Com 674098108 588,000 44,800 SH
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OAKWOOD HOMES CORP Com 674098108 13,781 1,050 SH
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OAKWOOD HOMES CORP Com 674098108 3,938 300 SH
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OHIO CASUALTY CORPORATION Com 677240103 47,289,070 1,309,040 SH
Sole 0 2,389,012 0 668,205
OHIO CASUALTY CORPORATION Com 677240103 48,898,078 1,353,580 SH
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OHIO CASUALTY CORPORATION Com 677240103 14,254,817 394,597 SH
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OLD KENT FINANCIAL CORPOR Com 679833103 8,345,059 199,285 SH
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OLD KENT FINANCIAL CORPOR Com 679833103 1,237,951 29,563 SH
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OLD KENT FINANCIAL CORPOR Com 679833103 5,193 124 SH
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OLD REPUBLIC INTL CORPORA Com 680223104 217,272 12,550 SH
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OLD REPUBLIC INTL CORPORA Com 680223104 44,147 2,550 SH
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OMNICOM GROUP INCORPORATE Com 681919106 31,875,200 398,440 SH
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OMNICOM GROUP INCORPORATE Com 681919106 3,963,200 49,540 SH
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ONE VALLEY BANCORP INC Com 682419106 57,488 1,533 SH
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ONE VALLEY BANCORP INC Com 682419106 543,375 14,490 SH
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ORACLE CORPORATION Com 68389X105 99,476 2,680 SH
Defined 0 1,187 0 6,238
ORACLE CORPORATION Com 68389X105 176,177 4,746 SH
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PG&E CORP COMMON STK Com 69331C108 61,891 1,908 SH
Defined 0 200 0 9,808
PG&E CORP COMMON STK Com 69331C108 262,744 8,100 SH
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PFF BANCORP INC. Com 69331W104 1,259,288 67,162 SH
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PNC FINANCIAL CORPORATION Com 693475105 134,497 2,334 SH
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PNC FINANCIAL CORPORATION Com 693475105 1,708,524 29,649 SH
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PNC FINANCIAL CORPORATION Com 693475105 488,545 8,478 SH
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PALMER ARNOLD GOLF COMPAN Com 696765106 10,313 10,000 SH
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PARK NATIONAL CORPORATION Com 700658107 120,600 1,206 SH
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PARK NATIONAL CORPORATION Com 700658107 39,200 392 SH
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J C PENNEY COMPANY INCORP Com 708160106 48,563 1,000 SH
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J C PENNEY COMPANY INCORP Com 708160106 24,281 500 SH
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J C PENNEY COMPANY INCORP Com 708160106 233,100 4,800 SH
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PENTAIR INCORPORATED Com 709631105 5,936,154 129,752 SH
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PENTAIR INCORPORATED Com 709631105 1,116,300 24,400 SH
Defined 0 0 0 0
PEOPLES BANCORP INC DEL Com 709909105 398,750 40,000 SH
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PEOPLES FINANCIAL CORPORA Com 71103A104 450,296 46,784 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 472,416 59,052 SH
Other 0 59,052 0 0
PEOPLES-SIDNEY FINANCIAL Com 712308105 162,450 16,245 SH
Other 0 14,745 0 1,500
PEPSICO INCORPORATED Com 713448108 10,372,312 268,105 SH
Sole 0 263,343 0 74,234
PEPSICO INCORPORATED Com 713448108 2,268,751 58,643 SH
Defined 0 0 0 0
PEPSICO INCORPORATED Com 713448108 418,947 10,829 SH
Other 0 0 0 0
PHARMACIA & UPJOHN INC. Com 716941109 347,465 6,116 SH
Sole 0 5,374 0 2,262
PHARMACIA & UPJOHN INC. Com 716941109 69,652 1,226 SH
Defined 0 0 0 0
PHARMACIA & UPJOHN INC. Com 716941109 16,703 294 SH
Other 0 0 0 0
PFIZER INCORPORATED Com 717081103 456,274 4,186 SH
Sole 0 11,806 0 8,886
PFIZER INCORPORATED Com 717081103 584,676 5,364 SH
Defined 0 0 0 0
PFIZER INCORPORATED Com 717081103 1,214,478 11,142 SH
Other 0 0 0 0
PHILIP MORRIS COMPANIES I Com 718154107 721,165 17,945 SH
Sole 0 30,659 0 38,236
PHILIP MORRIS COMPANIES I Com 718154107 1,752,175 43,600 SH
Defined 0 0 0 0
PHILIP MORRIS COMPANIES I Com 718154107 295,378 7,350 SH
Other 0 0 0 0
PITNEY BOWES, INCORPORATE Com 724479100 20,748,831 322,939 SH
Sole 0 312,711 0 71,338
PITNEY BOWES, INCORPORATE Com 724479100 3,854,872 59,998 SH
Defined 0 0 0 0
PITNEY BOWES, INCORPORATE Com 724479100 71,446 1,112 SH
Other 0 0 0 0
POTTERS FINANCIAL CORP. Com 738140102 344,446 28,118 SH
Other 0 27,018 0 1,100
PROCTER & GAMBLE COMPANY Com 742718109 26,871,658 301,083 SH
Sole 0 393,552 0 872,984
PROCTER & GAMBLE COMPANY Com 742718109 84,257,534 944,062 SH
Defined 0 0 0 0
PROCTER & GAMBLE COMPANY Com 742718109 1,909,147 21,391 SH
Other 0 0 0 0
PROVIDENT FINANCIAL GROUP Com 743866105 13,781 315 SH
Sole 0 2,284 0 4,321
PROVIDENT FINANCIAL GROUP Com 743866105 254,023 5,806 SH
Defined 0 0 0 0
PROVIDENT FINANCIAL GROUP Com 743866105 21,164 484 SH
Other 0 0 0 0
QCF BANCORP INC Com 746924109 373,033 14,110 SH
Other 0 10,194 0 3,916
QUALCOMM INCORPORATED Com 747525103 796,999 5,554 SH
Other 0 5,500 0 54
REYNOLDS & REYNOLDS INCOR Com 761695105 216,783 9,299 SH
Sole 0 16,899 0 9,785
REYNOLDS & REYNOLDS INCOR Com 761695105 16,319 700 SH
Defined 0 0 0 0
REYNOLDS & REYNOLDS INCOR Com 761695105 388,969 16,685 SH
Other 0 0 0 0
RICHMOND CNTY FINL CORP C Com 764556106 867,001 45,039 SH
Other 0 41,086 0 3,953
ROCKWELL INTL CORP NEW CO Com 773903109 564,732 9,296 SH
Sole 0 9,296 0 0
ROHM & HAAS COMPANY Com 775371107 9,720,191 226,710 SH
Sole 0 206,231 0 48,825
ROHM & HAAS COMPANY Com 775371107 1,193,640 27,840 SH
Defined 0 0 0 0
ROHM & HAAS COMPANY Com 775371107 21,680 506 SH
Other 0 0 0 0
ROYAL DUTCH PETROLEUM N.Y Com 780257804 195,813 3,250 SH
Sole 0 12,600 0 6,550
ROYAL DUTCH PETROLEUM N.Y Com 780257804 698,900 11,600 SH
Defined 0 0 0 0
ROYAL DUTCH PETROLEUM N.Y Com 780257804 259,075 4,300 SH
Other 0 0 0 0
SBC COMMUNICATIONS INC. Com 78387G103 460,752 7,944 SH
Sole 0 8,632 0 8,581
SBC COMMUNICATIONS INC. Com 78387G103 488,882 8,429 SH
Defined 0 0 0 0
SBC COMMUNICATIONS INC. Com 78387G103 48,720 840 SH
Other 0 0 0 0
SCHERING-PLOUGH CORPORATI Com 806605101 38,906,910 741,084 SH
Sole 0 748,870 0 151,956
SCHERING-PLOUGH CORPORATI Com 806605101 7,383,233 140,633 SH
Defined 0 0 0 0
SCHERING-PLOUGH CORPORATI Com 806605101 1,003,223 19,109 SH
Other 0 0 0 0
SCHLUMBERGER LIMITED Com 806857108 63,688 1,000 SH
Sole 0 653 0 4,700
SCHLUMBERGER LIMITED Com 806857108 229,275 3,600 SH
Defined 0 0 0 0
SCHLUMBERGER LIMITED Com 806857108 47,957 753 SH
Other 0 0 0 0
SEARS ROEBUCK AND COMPANY Com 812387108 33,422 750 SH
Sole 0 550 0 7,550
SEARS ROEBUCK AND COMPANY Com 812387108 6,684 150 SH
Defined 0 0 0 0
SEARS ROEBUCK AND COMPANY Com 812387108 320,850 7,200 SH
Other 0 0 0 0
SECURITY OF PENNSYLVANIA Com 814847109 403,750 38,000 SH
Other 0 38,000 0 0
SERVICE BANCORP, INC. Com 81756X103 101,250 12,000 SH
Other 0 7,000 0 5,000
SIGMA ALDRICH Com 826552101 4,052,846 117,687 SH
Sole 0 96,547 0 53,030
SIGMA ALDRICH Com 826552101 1,077,549 31,290 SH
Defined 0 0 0 0
SIGMA ALDRICH Com 826552101 20,663 600 SH
Other 0 0 0 0
SINCLAIR BROADCAST GROUP Com 829226109 327,500 20,000 SH
Other 0 20,000 0 0
SNAP-ON INCORPORATED Com 833034101 3,156,274 87,220 SH
Sole 0 81,775 0 21,720
SNAP-ON INCORPORATED Com 833034101 588,952 16,275 SH
Defined 0 0 0 0
EAST WEST TRADE CORPORATI Com 8350334 5,000 25,000 SH
Other 0 25,000 0 0
AMLABS INCORPORATED (WORT Com 8373320 0 37,500 SH
Other 0 37,500 0 0
SOUTH JERSEY FINANCIAL CO Com 838493104 280,000 20,000 SH
Other 0 20,000 0 0
SOUTHERN COMPANY Com 842587107 643,440 24,281 SH
Defined 0 2,100 0 24,181
SOUTHERN COMPANY Com 842587107 53,000 2,000 SH
Other 0 0 0 0
SOUTHWEST AIRLINES Com 844741108 5,753,301 184,845 SH
Sole 0 172,860 0 37,615
SOUTHWEST AIRLINES Com 844741108 770,717 24,762 SH
Defined 0 0 0 0
SOUTHWEST AIRLINES Com 844741108 27,017 868 SH
Other 0 0 0 0
SUN MICROSYSTEMS INCORPOR Com 866810104 66,120 960 SH
Defined 0 6,570 0 1,000
SUN MICROSYSTEMS INCORPOR Com 866810104 455,264 6,610 SH
Other 0 0 0 0
SUNTRUST BANKS INCORPORAT Com 867914103 27,775 400 SH
Sole 0 2,045 0 2,034
SUNTRUST BANKS INCORPORAT Com 867914103 255,461 3,679 SH
Other 0 0 0 0
SYSCO CORP Com 871829107 47,700 1,600 SH
Sole 0 11,200 0 0
SYSCO CORP Com 871829107 286,200 9,600 SH
Defined 0 0 0 0
TCF FINANCIAL CORPORATION Com 872275102 209,230 7,506 SH
Defined 0 5,978 0 8,246
TCF FINANCIAL CORPORATION Com 872275102 187,264 6,718 SH
Other 0 0 0 0
TF FINANCIAL CORPORATION Com 872391107 281,200 14,800 SH
Other 0 14,800 0 0
TALBOTS INC Com 874161102 1,646,047 43,175 SH
Sole 0 40,000 0 6,975
TALBOTS INC Com 874161102 144,875 3,800 SH
Defined 0 0 0 0
TELEPHONE AND DATA SYS IN Com 879433100 186,908 2,556 SH
Sole 0 200 0 2,556
TELEPHONE AND DATA SYS IN Com 879433100 14,625 200 SH
Defined 0 0 0 0
TEXACO INCORPORATED Com 881694103 24,950 400 SH
Sole 0 3,000 0 1,273
TEXACO INCORPORATED Com 881694103 126,621 2,030 SH
Defined 0 0 0 0
TEXACO INCORPORATED Com 881694103 114,957 1,843 SH
Other 0 0 0 0
THERMACELL TECHNOLOGIES I Com 883430100 8,144 7,239 SH
Sole 0 7,239 0 2,761
THERMACELL TECHNOLOGIES I Com 883430100 3,106 2,761 SH
Defined 0 0 0 0
TRI-CONTINENTAL CORPORATI Com 895436103 37,734 1,250 SH
Sole 0 1,060 0 13,093
TRI-CONTINENTAL CORPORATI Com 895436103 83,861 2,778 SH
Defined 0 0 0 0
TRI-CONTINENTAL CORPORATI Com 895436103 305,648 10,125 SH
Other 0 0 0 0
TRIBUNE INCORPORATED Com 896047107 348,500 4,000 SH
Defined 0 4,000 0 0
TYCO INTERNATIONAL LTD NE Com 902124106 43,527,582 459,394 SH
Sole 0 450,075 0 85,483
TYCO INTERNATIONAL LTD NE Com 902124106 7,169,733 75,670 SH
Defined 0 0 0 0
TYCO INTERNATIONAL LTD NE Com 902124106 46,807 494 SH
Other 0 0 0 0
USX-MARATHON GROUP Com 902905827 1,868,436 57,380 SH
Sole 0 53,500 0 6,680
USX-MARATHON GROUP Com 902905827 52,100 1,600 SH
Defined 0 0 0 0
USX-MARATHON GROUP Com 902905827 39,075 1,200 SH
Other 0 0 0 0
UNIFI INCORPORATED Com 904677101 4,770,646 224,501 SH
Sole 0 213,324 0 51,537
UNIFI INCORPORATED Com 904677101 857,650 40,360 SH
Defined 0 0 0 0
UNIGENE LAB INC Com 904753100 14,063 15,000 SH
Sole 0 15,000 0 0
UNION COMMUNITY BANCORP Com 906054101 538,450 48,400 SH
Other 0 31,220 0 17,180
UNION PLANTERS CORPORATIO Com 908068109 53,625 1,200 SH
Sole 0 24,574 0 1,743
UNION PLANTERS CORPORATIO Com 908068109 17,875 400 SH
Defined 0 0 0 0
UNION PLANTERS CORPORATIO Com 908068109 1,104,541 24,717 SH
Other 0 0 0 0
UNITED COMMUNITY FIN CORP Com 909839102 238,936 16,268 SH
Other 0 7,750 0 8,518
U S WEST INC NEW COM STK Com 91273H101 162,738 2,770 SH
Sole 0 1,805 0 3,345
U S WEST INC NEW COM STK Com 91273H101 80,664 1,373 SH
Defined 0 0 0 0
U S WEST INC NEW COM STK Com 91273H101 59,161 1,007 SH
Other 0 0 0 0
VENCOR INC Com 92260R102 1,500 10,000 SH
Other 0 10,000 0 0
VIRGINIA CAPITAL BANCSHAR Com 927758102 381,250 25,000 SH
Other 0 25,000 0 0
WAL MART STORES INCORPORA Com 931142103 424,600 8,800 SH
Sole 0 9,062 0 1,414
WAL MART STORES INCORPORA Com 931142103 22,581 468 SH
Defined 0 0 0 0
WAL MART STORES INCORPORA Com 931142103 58,286 1,208 SH
Other 0 0 0 0
WALGREEN COMPANY Com 931422109 58,750 2,000 SH
Sole 0 100 0 16,400
WALGREEN COMPANY Com 931422109 423,000 14,400 SH
Defined 0 0 0 0
WALGREEN COMPANY Com 931422109 2,938 100 SH
Other 0 0 0 0
WARNER-LAMBERT COMPANY Com 934488107 285,210 4,126 SH
Sole 0 10,690 0 1,836
WARNER-LAMBERT COMPANY Com 934488107 69,125 1,000 SH
Defined 0 0 0 0
WARNER-LAMBERT COMPANY Com 934488107 511,525 7,400 SH
Other 0 0 0 0
WELLS FARGO & CO NEW Com 949746101 21,546 504 SH
Sole 0 4,824 0 0
WELLS FARGO & CO NEW Com 949746101 154,755 3,620 SH
Defined 0 0 0 0
WELLS FARGO & CO NEW Com 949746101 29,925 700 SH
Other 0 0 0 0
WESTERN OHIO FINANCIAL CO Com 959024100 55,550 2,200 SH
Defined 0 27,467 0 7,199
WESTERN OHIO FINANCIAL CO Com 959024100 819,767 32,466 SH
Other 0 0 0 0
WESTWOOD HOMESTEAD FINANC Com 961767100 10,750 1,000 SH
Defined 0 18,655 0 16,375
WESTWOOD HOMESTEAD FINANC Com 961767100 365,823 34,030 SH
Other 0 0 0 0
WHIRLPOOL CORPORATION Com 963320106 3,957,150 53,475 SH
Sole 0 47,825 0 7,150
WHIRLPOOL CORPORATION Com 963320106 7,400 100 SH
Defined 0 0 0 0
WHIRLPOOL CORPORATION Com 963320106 103,600 1,400 SH
Other 0 0 0 0
WILLAMETTE INDUSTRIES INC Com 969133107 8,117,042 176,218 SH
Sole 0 167,787 0 48,012
WILLAMETTE INDUSTRIES INC Com 969133107 1,804,775 39,181 SH
Defined 0 0 0 0
WILLAMETTE INDUSTRIES INC Com 969133107 18,425 400 SH
Other 0 0 0 0
WINTON FINANCIAL CORPORAT Com 976446104 176,052 13,808 SH
Other 0 1,200 0 12,608
WILLIAM WRIGLEY JR. COMPA Com 982526105 4,459 50 SH
Sole 0 4,474 0 1,097
WILLIAM WRIGLEY JR. COMPA Com 982526105 492,404 5,521 SH
Defined 0 0 0 0
PROGRESS INCORPORATED CLA Com 999011117 22,447,497 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 110,894 1,246 SH
Sole 0 1,305 0 2,415
DAIMLER CHRYSLER AG ORD Com D1668R123 26,789 301 SH
Defined 0 0 0 0
DAIMLER CHRYSLER AG ORD Com D1668R123 193,397 2,173 SH
Other 0 0 0 0
LORAL SPACE & COMMUNICATI Com G56462107 119,034 6,613 SH
Sole 0 16,236 0 200
LORAL SPACE & COMMUNICATI Com G56462107 176,814 9,823 SH
Other 0 0 0 0
</TABLE>