<PAGE> 1
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: September 30, 2000
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: VICE PRESIDENT
Phone: 513-867-4827
Signature, Place, and Date Of Signing:
FRANK M. PETERS HAMILTON OH September 30, 2000
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> 2
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 296
Form 13F Information Table Value Total: $%1,196,685,373
List of Other Managers: NONE
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<TABLE>
<CAPTION>
13F Report Of Managed Assets
Page 1
===================================================================================================================================
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> <C> <C>
AK STEEL HOLDING Com 001547108 40,603 4,331 SH Sole 0 20,295 0 0
AK STEEL HOLDING Com 001547108 74,306 7,926 SH Defined 0 0 0 0
AK STEEL HOLDING Com 001547108 75,356 8,038 SH Other 0 0 0 0
AT & T CORPORATION Com 001957109 980,420 33,376 SH Sole 0 72,557 0 0
AT & T CORPORATION Com 001957109 875,904 29,818 SH Defined 0 0 0 0
AT & T CORPORATION Com 001957109 275,038 9,363 SH Other 0 0 0 0
ASB FINANCIAL CORP Com 00205P107 2,700 300 SH Sole 0 25,850 0 0
ASB FINANCIAL CORP Com 00205P107 229,950 25,550 SH Other 0 0 0 0
ABBOTT LABORATORIES Com 002824100 6,827,121 143,540 SH Sole 0 175,260 0 0
ABBOTT LABORATORIES Com 002824100 1,029,253 21,640 SH Defined 0 0 0 0
ABBOTT LABORATORIES Com 002824100 479,430 10,080 SH Other 0 0 0 0
ACXIOM CORP Com 005125109 1,603,375 50,500 SH Sole 0 51,000 0 0
ACXIOM CORP Com 005125109 15,875 500 SH Defined 0 0 0 0
ADAMS EXPRESS COMPANY Com 006212104 38,625 1,000 SH Sole 0 18,049 0 0
ADAMS EXPRESS COMPANY Com 006212104 320,394 8,295 SH Defined 0 0 0 0
ADAMS EXPRESS COMPANY Com 006212104 338,123 8,754 SH Other 0 0 0 0
ADOBE SYSTEMS INC Com 00724F101 7,275,791 46,865 SH Sole 0 47,145 0 0
ADOBE SYSTEMS INC Com 00724F101 7,763 50 SH Defined 0 0 0 0
ADOBE SYSTEMS INC Com 00724F101 35,708 230 SH Other 0 0 0 0
ADVANCE VIRAL RESEARCH CO Com 007928104 9,800 20,000 SH Sole 0 20,000 0 0
AGILENT TECHNOLOGIES INC Com 00846U101 1,494,404 30,537 SH Sole 0 41,756 0 0
AGILENT TECHNOLOGIES INC Com 00846U101 512,767 10,478 SH Defined 0 0 0 0
AGILENT TECHNOLOGIES INC Com 00846U101 36,263 741 SH Other 0 0 0 0
AIR PRODUCTS & CHEMICALS Com 009158106 72,000 2,000 SH Sole 0 15,520 0 0
AIR PRODUCTS & CHEMICALS Com 009158106 486,720 13,520 SH Defined 0 0 0 0
ALBERTSONS INCORPORATED Com 013104104 1,036,350 49,350 SH Sole 0 53,438 0 0
ALBERTSONS INCORPORATED Com 013104104 85,848 4,088 SH Defined 0 0 0 0
ALCOA INC Com 013817101 249,328 9,850 SH Sole 0 14,450 0 0
ALCOA INC Com 013817101 75,938 3,000 SH Defined 0 0 0 0
</TABLE>
<PAGE> 4
<TABLE>
<CAPTION>
13F Report Of Managed Assets
Page 2
===================================================================================================================================
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> <C> <C>
ALCOA INC Com 013817101 40,500 1,600 SH Other 0 0 0 0
TENDASOFT, INC Com 01HA12297 153,510 20,468 SH Other 0 20,468 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
DAYTON MERRILL FARMS INC. Com 01HA18492 496,688 296 SH Sole 0 296 0 0
ALLTEL CORPORATION Com 020039103 10,438 200 SH Sole 0 9,370 0 0
ALLTEL CORPORATION Com 020039103 171,279 3,282 SH Defined 0 0 0 0
ALLTEL CORPORATION Com 020039103 307,280 5,888 SH Other 0 0 0 0
AMERICA ONLINE INCORPORAT Com 02364J104 239,725 4,460 SH Sole 0 16,233 0 0
AMERICA ONLINE INCORPORAT Com 02364J104 296,754 5,521 SH Defined 0 0 0 0
AMERICA ONLINE INCORPORAT Com 02364J104 336,045 6,252 SH Other 0 0 0 0
AMERICAN ELECTRIC POWER C Com 025537101 2,734,916 69,902 SH Sole 0 99,646 0 0
AMERICAN ELECTRIC POWER C Com 025537101 1,062,674 27,161 SH Defined 0 0 0 0
AMERICAN ELECTRIC POWER C Com 025537101 101,060 2,583 SH Other 0 0 0 0
AMERICAN EXPRESS COMPANY Com 025816109 109,350 1,800 SH Sole 0 8,289 0 0
AMERICAN EXPRESS COMPANY Com 025816109 373,248 6,144 SH Defined 0 0 0 0
AMERICAN EXPRESS COMPANY Com 025816109 20,959 345 SH Other 0 0 0 0
AMERICAN HOME PRODUCTS CO Com 026609107 247,178 4,370 SH Sole 0 8,550 0 0
AMERICAN HOME PRODUCTS CO Com 026609107 158,375 2,800 SH Defined 0 0 0 0
AMERICAN HOME PRODUCTS CO Com 026609107 78,056 1,380 SH Other 0 0 0 0
AMERICAN INTERNATIONAL GR Com 026874107 187,308 1,958 SH Sole 0 15,343 0 0
AMERICAN INTERNATIONAL GR Com 026874107 204,532 2,138 SH Defined 0 0 0 0
AMERICAN INTERNATIONAL GR Com 026874107 1,076,293 11,248 SH Other 0 0 0 0
AMERICAN POWER CONVERSION Com 029066107 5,566,006 290,085 SH Sole 0 330,987 0 0
AMERICAN POWER CONVERSION Com 029066107 694,779 36,210 SH Defined 0 0 0 0
AMERICAN POWER CONVERSION Com 029066107 90,028 4,692 SH Other 0 0 0 0
A/R: ADCARE HEALTH SYSTEM Com 02CC10059 67,704 11,284 SH Other 0 11,284 0 0
D & J FARMS, INC. Com 02CC10332 338,210 118 SH Sole 0 118 0 0
AMGEN INCORPORATED Com 031162100 215,769 3,090 SH Defined 0 6,231 0 0
AMGEN INCORPORATED Com 031162100 219,330 3,141 SH Other 0 0 0 0
ANHEUSER BUSCH COMPANIES Com 035229103 465,438 11,000 SH Sole 0 13,246 0 0
ANHEUSER BUSCH COMPANIES Com 035229103 38,335 906 SH Defined 0 0 0 0
ANHEUSER BUSCH COMPANIES Com 035229103 56,699 1,340 SH Other 0 0 0 0
APPLIED MATERIALS INCORPO Com 038222105 3,385,261 57,075 SH Sole 0 62,100 0 0
APPLIED MATERIALS INCORPO Com 038222105 26,691 450 SH Defined 0 0 0 0
APPLIED MATERIALS INCORPO Com 038222105 271,355 4,575 SH Other 0 0 0 0
ARIBA INC Com 04033V104 309,454 2,160 SH Other 0 2,160 0 0
ARROW ELECTRONICS INC. Com 042735100 3,147,034 92,390 SH Sole 0 92,490 0 0
ARROW ELECTRONICS INC. Com 042735100 3,406 100 SH Defined 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 10,478,978 156,695 SH Sole 0 170,944 0 0
AUTOMATIC DATA PROCESSING Com 053015103 842,291 12,595 SH Defined 0 0 0 0
AUTOMATIC DATA PROCESSING Com 053015103 110,611 1,654 SH Other 0 0 0 0
AVNET INC. Com 053807103 2,880,346 50,755 SH Sole 0 50,855 0 0
AVNET INC. Com 053807103 5,675 100 SH Defined 0 0 0 0
BB&T CORP COM STK Com 054937107 645,338 21,422 SH Other 0 21,422 0 0
BP AMOCO Com 055622104 21,503,637 405,729 SH Sole 0 548,978 0 0
BP AMOCO Com 055622104 6,722,626 126,842 SH Defined 0 0 0 0
BP AMOCO Com 055622104 869,571 16,407 SH Other 0 0 0 0
BANCFIRST OHIO CORP Com 059450106 7,147 461 SH Sole 0 26,758 0 0
BANCFIRST OHIO CORP Com 059450106 407,602 26,297 SH Other 0 0 0 0
BANK AMER CORP COM Com 060505104 225,160 4,299 SH Sole 0 13,406 0 0
BANK AMER CORP COM Com 060505104 439,845 8,398 SH Defined 0 0 0 0
BANK AMER CORP COM Com 060505104 37,134 709 SH Other 0 0 0 0
BANK ONE CORP Com 06423A103 1,445,425 37,422 SH Sole 0 88,588 0 0
BANK ONE CORP Com 06423A103 1,388,878 35,958 SH Defined 0 0 0 0
BANK ONE CORP Com 06423A103 587,409 15,208 SH Other 0 0 0 0
BECTON DICKINSON Com 075887109 280,238 10,600 SH Defined 0 10,600 0 0
BELLSOUTH Com 079860102 469,919 11,675 SH Sole 0 25,831 0 0
</TABLE>
<PAGE> 5
<TABLE>
<CAPTION>
13F Report Of Managed Assets
Page 3
===================================================================================================================================
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> <C> <C>
BELLSOUTH Com 079860102 492,409 12,234 SH Defined 0 0 0 0
BELLSOUTH Com 079860102 77,361 1,922 SH Other 0 0 0 0
BERKSHIRE HATHAWAY INC CL Com 084670207 86,940 42 SH Sole 0 301 0 0
BERKSHIRE HATHAWAY INC CL Com 084670207 471,960 228 SH Defined 0 0 0 0
BERKSHIRE HATHAWAY INC CL Com 084670207 64,170 31 SH Other 0 0 0 0
BIOMET INCORPORATED Com 090613100 17,294,620 494,132 SH Sole 0 568,052 0 0
BIOMET INCORPORATED Com 090613100 2,191,525 62,615 SH Defined 0 0 0 0
BIOMET INCORPORATED Com 090613100 395,675 11,305 SH Other 0 0 0 0
BOEING COMPANY Com 097023105 5,935,419 94,213 SH Sole 0 113,197 0 0
BOEING COMPANY Com 097023105 1,141,875 18,125 SH Defined 0 0 0 0
BOEING COMPANY Com 097023105 54,117 859 SH Other 0 0 0 0
BRE-X MINERALS LIMITED Com 10625K109 19,888 12,500 SH Other 0 12,500 0 0
BRISTOL-MYERS SQUIBB COMP Com 110122108 657,509 11,510 SH Sole 0 45,440 0 0
BRISTOL-MYERS SQUIBB COMP Com 110122108 1,476,681 25,850 SH Defined 0 0 0 0
BRISTOL-MYERS SQUIBB COMP Com 110122108 461,570 8,080 SH Other 0 0 0 0
BROADWING INC Com 111620100 341,259 13,350 SH Sole 0 132,177 0 0
BROADWING INC Com 111620100 2,914,790 114,026 SH Defined 0 0 0 0
BROADWING INC Com 111620100 122,726 4,801 SH Other 0 0 0 0
VAN TIL'S COM STK Com 11SR10007 2,094,684 92 SH Defined 0 92 0 0
CDI CORPORATION Com 125071100 62,400 3,900 SH Sole 0 12,226 0 0
CDI CORPORATION Com 125071100 133,216 8,326 SH Defined 0 0 0 0
CIT GROUP INC CL A Com 125577106 1,757,000 100,400 SH Sole 0 104,850 0 0
CIT GROUP INC CL A Com 125577106 77,875 4,450 SH Defined 0 0 0 0
CSG SYSTEMS Com 126349109 2,018,400 69,600 SH Sole 0 69,700 0 0
CSG SYSTEMS Com 126349109 2,900 100 SH Defined 0 0 0 0
CAMCO FINANCIAL CORP COMM Com 132618109 12,761 1,201 SH Sole 0 37,701 0 0
CAMCO FINANCIAL CORP COMM Com 132618109 6,492 611 SH Defined 0 0 0 0
CAMCO FINANCIAL CORP COMM Com 132618109 381,321 35,889 SH Other 0 0 0 0
CAPITOL FEDERAL FINANCIAL Com 14057C106 400,725 27,400 SH Other 0 27,400 0 0
CARDINAL HEALTH INCORPORA Com 14149Y108 187,751 2,129 SH Sole 0 5,971 0 0
CARDINAL HEALTH INCORPORA Com 14149Y108 189,074 2,144 SH Defined 0 0 0 0
CARDINAL HEALTH INCORPORA Com 14149Y108 149,742 1,698 SH Other 0 0 0 0
CARLISLE COMPANIES INC Com 142339100 3,813,850 91,900 SH Sole 0 93,500 0 0
CARLISLE COMPANIES INC Com 142339100 45,650 1,100 SH Defined 0 0 0 0
CARLISLE COMPANIES INC Com 142339100 20,750 500 SH Other 0 0 0 0
CARNIVAL CORPORATION COM Com 143658102 4,235,106 171,984 SH Sole 0 204,896 0 0
CARNIVAL CORPORATION COM Com 143658102 793,565 32,226 SH Defined 0 0 0 0
CARNIVAL CORPORATION COM Com 143658102 16,893 686 SH Other 0 0 0 0
CHASE MANHATTAN CORP. Com 16161A108 2,515,972 54,473 SH Sole 0 75,306 0 0
CHASE MANHATTAN CORP. Com 16161A108 927,491 20,081 SH Defined 0 0 0 0
CHASE MANHATTAN CORP. Com 16161A108 34,733 752 SH Other 0 0 0 0
CHEVRON CORPORATION Com 166751107 810,728 9,510 SH Sole 0 19,682 0 0
CHEVRON CORPORATION Com 166751107 609,623 7,151 SH Defined 0 0 0 0
CHEVRON CORPORATION Com 166751107 257,540 3,021 SH Other 0 0 0 0
CIENA CORP Com 171779101 240,713 1,960 SH Other 0 1,960 0 0
CINCINNATI FINANCIAL CORP Com 172062101 31,407,240 884,711 SH Sole 0 2,340,024 0 0
CINCINNATI FINANCIAL CORP Com 172062101 21,682,974 610,788 SH Defined 0 0 0 0
CINCINNATI FINANCIAL CORP Com 172062101 29,980,638 844,525 SH Other 0 0 0 0
CINERGY CORP. Com 172474108 128,084 3,874 SH Sole 0 20,211 0 0
CINERGY CORP. Com 172474108 381,740 11,546 SH Defined 0 0 0 0
CINERGY CORP. Com 172474108 158,402 4,791 SH Other 0 0 0 0
CISCO SYSTEMS Com 17275R102 530,069 9,594 SH Sole 0 84,098 0 0
CISCO SYSTEMS Com 17275R102 2,104,473 38,090 SH Defined 0 0 0 0
CISCO SYSTEMS Com 17275R102 2,011,874 36,414 SH Other 0 0 0 0
CINTAS CORPORATION Com 172908105 5,511,963 126,530 SH Sole 0 167,292 0 0
CINTAS CORPORATION Com 172908105 1,240,333 28,473 SH Defined 0 0 0 0
CINTAS CORPORATION Com 172908105 535,361 12,290 SH Other 0 0 0 0
CITIGROUP INC Com 172967101 205,438 3,800 SH Sole 0 16,565 0 0
CITIGROUP INC Com 172967101 266,690 4,933 SH Defined 0 0 0 0
CITIGROUP INC Com 172967101 423,418 7,832 SH Other 0 0 0 0
CLEAR CHANNEL COMMUNICATI Com 184502102 13,278 235 SH Sole 0 4,525 0 0
CLEAR CHANNEL COMMUNICATI Com 184502102 242,385 4,290 SH Other 0 0 0 0
COCA-COLA COMPANY Com 191216100 163,170 2,960 SH Sole 0 35,068 0 0
COCA-COLA COMPANY Com 191216100 827,702 15,015 SH Defined 0 0 0 0
COCA-COLA COMPANY Com 191216100 942,252 17,093 SH Other 0 0 0 0
COHOES BANCORP INC Com 192513109 385,313 22,500 SH Other 0 22,500 0 0
</TABLE>
<PAGE> 6
<TABLE>
<CAPTION>
13F Report Of Managed Assets
Page 4
===================================================================================================================================
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> <C> <C>
COLGATE-PALMOLIVE COMPANY Com 194162103 194,275 4,116 SH Sole 0 11,916 0 0
COLGATE-PALMOLIVE COMPANY Com 194162103 198,240 4,200 SH Defined 0 0 0 0
COLGATE-PALMOLIVE COMPANY Com 194162103 169,920 3,600 SH Other 0 0 0 0
COMERICA INCORPORATED Com 200340107 9,667,491 165,433 SH Sole 0 168,514 0 0
COMERICA INCORPORATED Com 200340107 86,488 1,480 SH Defined 0 0 0 0
COMERICA INCORPORATED Com 200340107 93,558 1,601 SH Other 0 0 0 0
COMMUNITY INVESTORS BANCO Com 203719109 18,184 2,238 SH Sole 0 42,443 0 0
COMMUNITY INVESTORS BANCO Com 203719109 326,666 40,205 SH Other 0 0 0 0
COMMUNITY SVGS BANKSHARES Com 204037105 25,295 2,044 SH Sole 0 25,445 0 0
COMMUNITY SVGS BANKSHARES Com 204037105 289,587 23,401 SH Other 0 0 0 0
COMPUTER ASSOCIATES Com 204912109 2,556,582 101,502 SH Sole 0 116,959 0 0
COMPUTER ASSOCIATES Com 204912109 337,840 13,413 SH Defined 0 0 0 0
COMPUTER ASSOCIATES Com 204912109 51,483 2,044 SH Other 0 0 0 0
COMPOSITECH LTD Com 204938104 8,181 37,400 SH Other 0 37,400 0 0
CONAGRA INCORPORATED Com 205887102 1,842,741 91,850 SH Sole 0 95,802 0 0
CONAGRA INCORPORATED Com 205887102 51,761 2,580 SH Defined 0 0 0 0
CONAGRA INCORPORATED Com 205887102 27,526 1,372 SH Other 0 0 0 0
CONOCO INC CL B Com 208251405 6,180,405 229,435 SH Sole 0 249,905 0 0
CONOCO INC CL B Com 208251405 523,126 19,420 SH Defined 0 0 0 0
CONOCO INC CL B Com 208251405 28,284 1,050 SH Other 0 0 0 0
CONVERGYS CORP COM Com 212485106 427,159 10,988 SH Sole 0 131,502 0 0
CONVERGYS CORP COM Com 212485106 4,490,607 115,514 SH Defined 0 0 0 0
CONVERGYS CORP COM Com 212485106 194,375 5,000 SH Other 0 0 0 0
COOPER TIRE & RUBBER Com 216831107 1,228,883 122,125 SH Sole 0 126,925 0 0
COOPER TIRE & RUBBER Com 216831107 43,269 4,300 SH Defined 0 0 0 0
COOPER TIRE & RUBBER Com 216831107 5,031 500 SH Other 0 0 0 0
CROGHAN BANCSHARES INCORP Com 227072105 3,600 150 SH Defined 0 11,352 0 0
CROGHAN BANCSHARES INCORP Com 227072105 268,848 11,202 SH Other 0 0 0 0
CYPRESS SEMI-CONDUCTOR Com 232806109 2,780,531 66,900 SH Sole 0 72,635 0 0
CYPRESS SEMI-CONDUCTOR Com 232806109 4,156 100 SH Defined 0 0 0 0
CYPRESS SEMI-CONDUCTOR Com 232806109 234,205 5,635 SH Other 0 0 0 0
DPL INCORPORATED Com 233293109 37,931 1,275 SH Sole 0 18,807 0 0
DPL INCORPORATED Com 233293109 351,020 11,799 SH Defined 0 0 0 0
DPL INCORPORATED Com 233293109 170,557 5,733 SH Other 0 0 0 0
DELL COMPUTER Com 247025109 97,059 3,150 SH Sole 0 26,259 0 0
DELL COMPUTER Com 247025109 171,410 5,563 SH Defined 0 0 0 0
DELL COMPUTER Com 247025109 540,636 17,546 SH Other 0 0 0 0
DELTA AIRLINES Com 247361108 284,710 6,416 SH Other 0 6,416 0 0
DISNEY COM STK Com 254687106 500,769 13,092 SH Sole 0 22,016 0 0
DISNEY COM STK Com 254687106 224,145 5,860 SH Defined 0 0 0 0
DISNEY COM STK Com 254687106 117,198 3,064 SH Other 0 0 0 0
DOLLAR GENERAL CORP Com 256669102 112,560 6,720 SH Sole 0 11,416 0 0
DOLLAR GENERAL CORP Com 256669102 65,643 3,919 SH Defined 0 0 0 0
DOLLAR GENERAL CORP Com 256669102 13,015 777 SH Other 0 0 0 0
DOMINION RES INC VA NEW C Com 25746U109 29,031 500 SH Sole 0 7,365 0 0
DOMINION RES INC VA NEW C Com 25746U109 279,106 4,807 SH Defined 0 0 0 0
DOMINION RES INC VA NEW C Com 25746U109 119,493 2,058 SH Other 0 0 0 0
DU PONT (E I) DE NEMOURS Com 263534109 33,854 817 SH Sole 0 7,755 0 0
DU PONT (E I) DE NEMOURS Com 263534109 253,349 6,114 SH Defined 0 0 0 0
DU PONT (E I) DE NEMOURS Com 263534109 34,145 824 SH Other 0 0 0 0
DUKE ENERGY CORP Com 264399106 17,150 200 SH Sole 0 5,457 0 0
DUKE ENERGY CORP Com 264399106 374,899 4,372 SH Defined 0 0 0 0
DUKE ENERGY CORP Com 264399106 75,889 885 SH Other 0 0 0 0
DUTCHFORK BANCSHARES, INC Com 26704P108 148,225 12,100 SH Other 0 12,100 0 0
DYNEGY INC. CL A Com 26816Q101 9,275,040 162,720 SH Sole 0 199,820 0 0
DYNEGY INC. CL A Com 26816Q101 2,103,300 36,900 SH Defined 0 0 0 0
DYNEGY INC. CL A Com 26816Q101 11,400 200 SH Other 0 0 0 0
EMC CORPORATION Com 268648102 40,847,430 412,080 SH Sole 0 491,805 0 0
EMC CORPORATION Com 268648102 7,222,248 72,860 SH Defined 0 0 0 0
EMC CORPORATION Com 268648102 680,493 6,865 SH Other 0 0 0 0
ESB FINANCIAL CORP Com 26884F102 233,540 24,746 SH Other 0 24,746 0 0
ECHOSTAR COMMUNICATIONS C Com 278762109 10,550 200 SH Sole 0 7,398 0 0
ECHOSTAR COMMUNICATIONS C Com 278762109 379,695 7,198 SH Defined 0 0 0 0
ECOLAB INC Com 278865100 1,732,082 48,030 SH Sole 0 52,770 0 0
ECOLAB INC Com 278865100 170,936 4,740 SH Defined 0 0 0 0
EMERSON ELECTRIC COMPANY Com 291011104 413,725 6,175 SH Sole 0 12,290 0 0
</TABLE>
<PAGE> 7
<TABLE>
<CAPTION>
13F Report Of Managed Assets
Page 5
===================================================================================================================================
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> <C> <C>
EMERSON ELECTRIC COMPANY Com 291011104 329,305 4,915 SH Defined 0 0 0 0
EMERSON ELECTRIC COMPANY Com 291011104 80,400 1,200 SH Other 0 0 0 0
EMPIRE GOLD INC Com 291733103 19,000 19,000 SH Defined 0 19,000 0 0
ENRON CORPORATION Com 293561106 157,024 1,792 SH Sole 0 3,392 0 0
ENRON CORPORATION Com 293561106 70,100 800 SH Defined 0 0 0 0
ENRON CORPORATION Com 293561106 70,100 800 SH Other 0 0 0 0
EQUIFAX INCORPORATED Com 294429105 7,045,503 261,550 SH Sole 0 305,117 0 0
EQUIFAX INCORPORATED Com 294429105 1,150,689 42,717 SH Defined 0 0 0 0
EQUIFAX INCORPORATED Com 294429105 22,897 850 SH Other 0 0 0 0
ERICSSON (LM) TELEPHONE C Com 294821400 6,666 450 SH Sole 0 12,434 0 0
ERICSSON (LM) TELEPHONE C Com 294821400 153,813 10,384 SH Defined 0 0 0 0
ERICSSON (LM) TELEPHONE C Com 294821400 23,700 1,600 SH Other 0 0 0 0
EUREKA BK PITTSBURGH PA C Com 298441106 144,375 15,000 SH Other 0 15,000 0 0
EYETEL TECHNOLOGIES INC. Com 30229Q104 3,654 121,802 SH Other 0 121,802 0 0
EXXON MOBIL CORP Com 30231G102 2,887,472 32,398 SH Sole 0 82,177 0 0
EXXON MOBIL CORP Com 30231G102 3,995,206 44,827 SH Defined 0 0 0 0
EXXON MOBIL CORP Com 30231G102 441,347 4,952 SH Other 0 0 0 0
FEDERAL NATIONAL MORTGAGE Com 313586109 10,153,358 142,005 SH Sole 0 151,562 0 0
FEDERAL NATIONAL MORTGAGE Com 313586109 543,901 7,607 SH Defined 0 0 0 0
FEDERAL NATIONAL MORTGAGE Com 313586109 139,425 1,950 SH Other 0 0 0 0
FIFTH THIRD BANCORPORATIO Com 316773100 2,052,530 38,098 SH Sole 0 170,202 0 0
FIFTH THIRD BANCORPORATIO Com 316773100 3,190,855 59,227 SH Defined 0 0 0 0
FIFTH THIRD BANCORPORATIO Com 316773100 3,926,248 72,877 SH Other 0 0 0 0
FIRST BANCORP OF INDIANA Com 31867T103 333,472 29,975 SH Other 0 29,975 0 0
FIRST DATA CORPORATION Com 319963104 4,068,555 104,155 SH Sole 0 109,670 0 0
FIRST DATA CORPORATION Com 319963104 215,430 5,515 SH Defined 0 0 0 0
FIRST FED FINL BANCORP Com 319988101 117,500 10,000 SH Other 0 10,000 0 0
FIRST DEFIANCE FINANCIAL Com 32006W106 11,880 1,320 SH Sole 0 29,012 0 0
FIRST DEFIANCE FINANCIAL Com 32006W106 249,228 27,692 SH Other 0 0 0 0
FIRST FINANCIAL BANCORP Com 320209109 77,554,008 4,924,064 SH Sole 0 %10,654,224 0 0
FIRST FINANCIAL BANCORP Com 320209109 58,905,362 3,740,023 SH Defined 0 0 0 0
FIRST FINANCIAL BANCORP Com 320209109 31,344,658 1,990,137 SH Other 0 0 0 0
FIRST NATIONAL CORP ORANG Com 320942105 139,125 10,500 SH Defined 0 10,500 0 0
FIRST MIRACLE GROUP INC Com 320966104 280 20,000 SH Defined 0 20,000 0 0
FIRST NILES FINANCIAL Com 33582N106 11,500 1,150 SH Sole 0 39,345 0 0
FIRST NILES FINANCIAL Com 33582N106 381,950 38,195 SH Other 0 0 0 0
FIRST NIAGARA FINL GROUP Com 33582U100 199,680 21,587 SH Other 0 21,587 0 0
FIRST PLACE FINANCIAL COR Com 33610T109 436,645 39,695 SH Other 0 39,695 0 0
FIRST SECURITYFED FINL IN Com 336392105 233,985 15,599 SH Other 0 15,599 0 0
FIRSTAR CORP Com 33763V109 190,120 8,497 SH Sole 0 141,547 0 0
FIRSTAR CORP Com 33763V109 1,579,988 70,614 SH Defined 0 0 0 0
FIRSTAR CORP Com 33763V109 1,397,006 62,436 SH Other 0 0 0 0
FIRSTMERIT CORP. Com 337915102 15,047 656 SH Sole 0 61,531 0 0
FIRSTMERIT CORP. Com 337915102 647,847 28,244 SH Defined 0 0 0 0
FIRSTMERIT CORP. Com 337915102 748,474 32,631 SH Other 0 0 0 0
FLORIDA PROGRESS CORPORAT Com 341109106 223,290 4,218 SH Defined 0 4,218 0 0
FLORIDA FIRST BANCORP Com 343257101 280,260 23,234 SH Other 0 23,234 0 0
FORD MOTOR COMPANY Com 345370860 54,915 2,170 SH Sole 0 20,666 0 0
FORD MOTOR COMPANY Com 345370860 334,965 13,233 SH Defined 0 0 0 0
FORD MOTOR COMPANY Com 345370860 133,227 5,263 SH Other 0 0 0 0
FORTUNE BRANDS INC COM ST Com 349631101 23,426 884 SH Sole 0 7,684 0 0
FORTUNE BRANDS INC COM ST Com 349631101 177,550 6,700 SH Defined 0 0 0 0
FORTUNE BRANDS INC COM ST Com 349631101 2,650 100 SH Other 0 0 0 0
FRISCH'S RESTAURANTS, INC Com 358748101 103,383 10,025 SH Defined 0 11,816 0 0
FRISCH'S RESTAURANTS, INC Com 358748101 18,470 1,791 SH Other 0 0 0 0
GA FINANCIAL, INC. Com 361437106 219,800 15,700 SH Other 0 15,700 0 0
GSB FINL CORP Com 362263105 271,875 15,000 SH Other 0 15,000 0 0
GATEWAY INC COM Com 367626108 4,538,958 97,090 SH Sole 0 127,618 0 0
GATEWAY INC COM Com 367626108 1,357,293 29,033 SH Defined 0 0 0 0
GATEWAY INC COM Com 367626108 69,891 1,495 SH Other 0 0 0 0
GENERAL ELECTRIC COMPANY Com 369604103 12,450,462 215,826 SH Sole 0 503,708 0 0
GENERAL ELECTRIC COMPANY Com 369604103 11,512,810 199,572 SH Defined 0 0 0 0
GENERAL ELECTRIC COMPANY Com 369604103 5,094,383 88,310 SH Other 0 0 0 0
GENERAL MILLS INCORPORATE Com 370334104 35,500 1,000 SH Sole 0 6,960 0 0
GENERAL MILLS INCORPORATE Com 370334104 211,580 5,960 SH Defined 0 0 0 0
</TABLE>
<PAGE> 8
<TABLE>
<CAPTION>
13F Report Of Managed Assets
Page 6
===================================================================================================================================
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> <C> <C>
GENERAL MOTORS CORPORATIO Com 370442105 212,875 3,275 SH Sole 0 6,446 0 0
GENERAL MOTORS CORPORATIO Com 370442105 157,430 2,422 SH Defined 0 0 0 0
GENERAL MOTORS CORPORATIO Com 370442105 48,685 749 SH Other 0 0 0 0
GENERAL MOTORS - CLASS H Com 370442832 68,225 1,835 SH Sole 0 6,991 0 0
GENERAL MOTORS - CLASS H Com 370442832 180,769 4,862 SH Defined 0 0 0 0
GENERAL MOTORS - CLASS H Com 370442832 10,931 294 SH Other 0 0 0 0
GENRAD INC Com 372447102 133,100 12,100 SH Other 0 12,100 0 0
GILLETTE COMPANY Com 375766102 210,691 6,824 SH Sole 0 13,198 0 0
GILLETTE COMPANY Com 375766102 74,100 2,400 SH Defined 0 0 0 0
GILLETTE COMPANY Com 375766102 122,697 3,974 SH Other 0 0 0 0
GLAXO WELLCOME PLC Com 37733W105 126,919 2,100 SH Defined 0 3,580 0 0
GLAXO WELLCOME PLC Com 37733W105 89,448 1,480 SH Other 0 0 0 0
GOUVERNEUR BANCORP INC Com 383584109 51,250 10,000 SH Other 0 10,000 0 0
HSBC HLDGS PLC SPONSORED Com 404280406 94,248 1,320 SH Defined 0 2,820 0 0
HSBC HLDGS PLC SPONSORED Com 404280406 107,100 1,500 SH Other 0 0 0 0
HALLIBURTON COMPANY Com 406216101 315,647 6,450 SH Sole 0 13,890 0 0
HALLIBURTON COMPANY Com 406216101 354,308 7,240 SH Defined 0 0 0 0
HALLIBURTON COMPANY Com 406216101 9,788 200 SH Other 0 0 0 0
HARBOR FLORIDA BANCSHARES Com 411901101 60,313 5,000 SH Sole 0 50,000 0 0
HARBOR FLORIDA BANCSHARES Com 411901101 542,813 45,000 SH Other 0 0 0 0
HARLEY DAVIDSON Com 412822108 6,505,494 135,885 SH Sole 0 160,141 0 0
HARLEY DAVIDSON Com 412822108 1,065,219 22,250 SH Defined 0 0 0 0
HARLEY DAVIDSON Com 412822108 96,037 2,006 SH Other 0 0 0 0
HEWLETT PACKARD Com 428236103 13,474,367 138,911 SH Sole 0 168,439 0 0
HEWLETT PACKARD Com 428236103 2,648,100 27,300 SH Defined 0 0 0 0
HEWLETT PACKARD Com 428236103 216,116 2,228 SH Other 0 0 0 0
HILLENBRAND INDUSTRIES Com 431573104 1,873,414 41,864 SH Sole 0 47,289 0 0
HILLENBRAND INDUSTRIES Com 431573104 211,444 4,725 SH Defined 0 0 0 0
HILLENBRAND INDUSTRIES Com 431573104 31,325 700 SH Other 0 0 0 0
HOME CITY FINANCIAL CORP Com 43706C100 114,164 12,342 SH Other 0 12,342 0 0
HOME DEPOT INCORPORATED Com 437076102 151,069 2,847 SH Sole 0 11,895 0 0
HOME DEPOT INCORPORATED Com 437076102 89,835 1,693 SH Defined 0 0 0 0
HOME DEPOT INCORPORATED Com 437076102 390,275 7,355 SH Other 0 0 0 0
HONEYWELL INTERNATIONAL I Com 438516106 34,200 960 SH Sole 0 12,655 0 0
HONEYWELL INTERNATIONAL I Com 438516106 162,094 4,550 SH Defined 0 0 0 0
HONEYWELL INTERNATIONAL I Com 438516106 254,541 7,145 SH Other 0 0 0 0
HORACE MANN EDUCATORS COR Com 440327104 3,829,294 233,850 SH Sole 0 244,550 0 0
HORACE MANN EDUCATORS COR Com 440327104 175,213 10,700 SH Defined 0 0 0 0
HOUSEHOLD INTERNATIONAL Com 441815107 152,888 2,700 SH Sole 0 5,400 0 0
HOUSEHOLD INTERNATIONAL Com 441815107 152,888 2,700 SH Defined 0 0 0 0
HUBBELL INC. CL B Com 443510201 358,093 14,288 SH Defined 0 14,288 0 0
HUDSON RIVER BANCORP, INC Com 444128102 16,328 1,250 SH Sole 0 35,934 0 0
HUDSON RIVER BANCORP, INC Com 444128102 453,060 34,684 SH Other 0 0 0 0
IBERIABANK CORP Com 450828108 224,328 12,250 SH Other 0 12,250 0 0
ITT INDUSTRIES INC. Com 450911102 2,900,140 89,407 SH Sole 0 91,482 0 0
ITT INDUSTRIES INC. Com 450911102 57,577 1,775 SH Defined 0 0 0 0
ITT INDUSTRIES INC. Com 450911102 9,731 300 SH Other 0 0 0 0
INDUSTRIAL BANCORP INCORP Com 455882100 22,028 1,780 SH Sole 0 28,805 0 0
INDUSTRIAL BANCORP INCORP Com 455882100 334,434 27,025 SH Other 0 0 0 0
INNOVA TECHNOLOGIES (CANA Com 45765A107 7,200 10,000 SH Sole 0 10,000 0 0
INTEL CORPORATION Com 458140100 15,469,230 372,192 SH Sole 0 515,435 0 0
INTEL CORPORATION Com 458140100 4,437,129 106,758 SH Defined 0 0 0 0
INTEL CORPORATION Com 458140100 1,516,408 36,485 SH Other 0 0 0 0
INTELIDATA TECHNOLOGIES Com 45814T107 11,699 2,235 SH Sole 0 13,615 0 0
INTELIDATA TECHNOLOGIES Com 45814T107 59,567 11,380 SH Defined 0 0 0 0
INTERNATIONAL BUSINESS MA Com 459200101 9,395,100 83,512 SH Sole 0 100,691 0 0
INTERNATIONAL BUSINESS MA Com 459200101 1,503,900 13,368 SH Defined 0 0 0 0
INTERNATIONAL BUSINESS MA Com 459200101 428,738 3,811 SH Other 0 0 0 0
INTERNATIONAL REMOTE IMAG Com 460259500 18,125 10,000 SH Sole 0 10,000 0 0
JDS UNIPHASE CORP Com 46612J101 128,964 1,362 SH Sole 0 14,432 0 0
JDS UNIPHASE CORP Com 46612J101 23,672 250 SH Defined 0 0 0 0
JDS UNIPHASE CORP Com 46612J101 1,213,894 12,820 SH Other 0 0 0 0
JACOBS ENGINEERING GROUP Com 469814107 2,921,447 72,470 SH Sole 0 79,620 0 0
JACOBS ENGINEERING GROUP Com 469814107 288,234 7,150 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 1,451,710 15,454 SH Sole 0 30,812 0 0
</TABLE>
<PAGE> 9
<TABLE>
<CAPTION>
13F Report Of Managed Assets
Page 7
===================================================================================================================================
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> <C> <C>
JOHNSON & JOHNSON COMPANY Com 478160104 478,518 5,094 SH Defined 0 0 0 0
JOHNSON & JOHNSON COMPANY Com 478160104 964,175 10,264 SH Other 0 0 0 0
JONPOL EXPLORATIONS (CANA Com 480600105 700 10,000 SH Other 0 10,000 0 0
KENNAMETAL INCORPORATED Com 489170100 870,350 33,800 SH Sole 0 48,665 0 0
KENNAMETAL INCORPORATED Com 489170100 382,774 14,865 SH Defined 0 0 0 0
KEYCORP Com 493267108 217,688 8,600 SH Sole 0 22,576 0 0
KEYCORP Com 493267108 189,236 7,476 SH Defined 0 0 0 0
KEYCORP Com 493267108 164,531 6,500 SH Other 0 0 0 0
KIMBERLY CLARK Com 494368103 53,022 950 SH Sole 0 3,920 0 0
KIMBERLY CLARK Com 494368103 150,694 2,700 SH Defined 0 0 0 0
KIMBERLY CLARK Com 494368103 15,069 270 SH Other 0 0 0 0
KOHL'S CORPORATION (WISCO Com 500255104 149,988 2,600 SH Sole 0 4,825 0 0
KOHL'S CORPORATION (WISCO Com 500255104 115,375 2,000 SH Defined 0 0 0 0
KOHL'S CORPORATION (WISCO Com 500255104 12,980 225 SH Other 0 0 0 0
KROGER COMPANY Com 501044101 90,634 4,017 SH Sole 0 9,448 0 0
KROGER COMPANY Com 501044101 99,410 4,406 SH Defined 0 0 0 0
KROGER COMPANY Com 501044101 23,127 1,025 SH Other 0 0 0 0
LSI LOGIC CORPORATION Com 502161102 22,025 753 SH Sole 0 7,383 0 0
LSI LOGIC CORPORATION Com 502161102 5,850 200 SH Defined 0 0 0 0
LSI LOGIC CORPORATION Com 502161102 188,078 6,430 SH Other 0 0 0 0
LEXMARK INTL GROUP INC CL Com 529771107 3,138,938 83,705 SH Sole 0 89,065 0 0
LEXMARK INTL GROUP INC CL Com 529771107 167,250 4,460 SH Defined 0 0 0 0
LEXMARK INTL GROUP INC CL Com 529771107 33,750 900 SH Other 0 0 0 0
LIBERTY BANCORP, INC Com 529905101 85,000 10,000 SH Other 0 10,000 0 0
ELI LILLY & COMPANY Com 532457108 749,189 9,235 SH Sole 0 25,252 0 0
ELI LILLY & COMPANY Com 532457108 994,674 12,261 SH Defined 0 0 0 0
ELI LILLY & COMPANY Com 532457108 304,706 3,756 SH Other 0 0 0 0
LILLY INDUSTRIES INCORPOR Com 532491107 511,825 17,350 SH Sole 0 20,025 0 0
LILLY INDUSTRIES INCORPOR Com 532491107 78,913 2,675 SH Defined 0 0 0 0
LINCOLN BANCORP Com 532879103 444,421 37,229 SH Other 0 37,229 0 0
LIZ CLAIBORNE INC Com 539320101 2,228,573 57,885 SH Sole 0 58,765 0 0
LIZ CLAIBORNE INC Com 539320101 19,250 500 SH Defined 0 0 0 0
LIZ CLAIBORNE INC Com 539320101 14,630 380 SH Other 0 0 0 0
LOCKHEED MARTIN GROUP Com 539830109 194,134 5,890 SH Defined 0 6,075 0 0
LOCKHEED MARTIN GROUP Com 539830109 6,098 185 SH Other 0 0 0 0
LONE STAR INTERNATIONAL E Com 542294103 326 16,299 SH Other 0 16,299 0 0
LUCENT TECHNOLOGIES INC Com 549463107 5,167,599 169,083 SH Sole 0 252,619 0 0
LUCENT TECHNOLOGIES INC Com 549463107 2,173,177 71,106 SH Defined 0 0 0 0
LUCENT TECHNOLOGIES INC Com 549463107 379,892 12,430 SH Other 0 0 0 0
MBNA CORPORATION Com 55262L100 9,889,649 256,874 SH Sole 0 272,050 0 0
MBNA CORPORATION Com 55262L100 263,109 6,834 SH Defined 0 0 0 0
MBNA CORPORATION Com 55262L100 321,167 8,342 SH Other 0 0 0 0
MARKET FINANCIAL CORPORAT Com 57056A100 671,386 55,372 SH Other 0 55,372 0 0
MARSH & MCLENNAN COMPANIE Com 571748102 746,719 5,625 SH Defined 0 5,925 0 0
MARSH & MCLENNAN COMPANIE Com 571748102 39,825 300 SH Other 0 0 0 0
MAYTAG CORPORATION Com 578592107 598,419 19,265 SH Sole 0 28,407 0 0
MAYTAG CORPORATION Com 578592107 258,440 8,320 SH Defined 0 0 0 0
MAYTAG CORPORATION Com 578592107 25,533 822 SH Other 0 0 0 0
MC CORMICK & CO INC Com 579780206 2,624,991 88,235 SH Sole 0 96,135 0 0
MC CORMICK & CO INC Com 579780206 235,025 7,900 SH Defined 0 0 0 0
MC DONALDS CORPORATION Com 580135101 3,536,164 117,140 SH Sole 0 155,105 0 0
MC DONALDS CORPORATION Com 580135101 1,081,105 35,813 SH Defined 0 0 0 0
MC DONALDS CORPORATION Com 580135101 64,964 2,152 SH Other 0 0 0 0
MEDIMMUNE INC Com 584699102 209,734 2,715 SH Other 0 2,715 0 0
MEDTRONIC INCORPORATED Com 585055106 13,925,542 268,768 SH Sole 0 353,938 0 0
MEDTRONIC INCORPORATED Com 585055106 4,036,194 77,900 SH Defined 0 0 0 0
MEDTRONIC INCORPORATED Com 585055106 376,677 7,270 SH Other 0 0 0 0
MEN'S WEARHOUSE, INCORPOR Com 587118100 2,177,373 76,905 SH Sole 0 82,355 0 0
MEN'S WEARHOUSE, INCORPOR Com 587118100 154,303 5,450 SH Defined 0 0 0 0
MERCK & COMPANY INCORPORA Com 589331107 18,809,537 252,689 SH Sole 0 348,604 0 0
MERCK & COMPANY INCORPORA Com 589331107 5,270,919 70,810 SH Defined 0 0 0 0
MERCK & COMPANY INCORPORA Com 589331107 1,868,753 25,105 SH Other 0 0 0 0
MERCURY INTERACTIVE CORP Com 589405109 475,266 3,032 SH Other 0 3,032 0 0
MERRILL LYNCH PIERCE FENN Com 590188108 264,000 4,000 SH Sole 0 5,700 0 0
MERRILL LYNCH PIERCE FENN Com 590188108 112,200 1,700 SH Other 0 0 0 0
MICROSOFT CORPORATION Com 594918104 3,644,262 60,423 SH Sole 0 90,807 0 0
</TABLE>
<PAGE> 10
<TABLE>
<CAPTION>
13F Report Of Managed Assets
Page 8
===================================================================================================================================
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> <C> <C>
MICROSOFT CORPORATION Com 594918104 1,131,342 18,758 SH Defined 0 0 0 0
MICROSOFT CORPORATION Com 594918104 701,193 11,626 SH Other 0 0 0 0
MILLIPORE CORPORATION Com 601073109 513,438 10,600 SH Sole 0 15,100 0 0
MILLIPORE CORPORATION Com 601073109 217,969 4,500 SH Defined 0 0 0 0
MINISCRIBE CORP., COMMON Com 603669102 15 14,500 SH Other 0 14,500 0 0
MINNESOTA MINING Com 604059105 891,658 9,785 SH Sole 0 24,163 0 0
MINNESOTA MINING Com 604059105 1,306,550 14,338 SH Defined 0 0 0 0
MINNESOTA MINING Com 604059105 3,645 40 SH Other 0 0 0 0
MONTGOMERY FINANCIAL CORP Com 613826106 201,391 21,772 SH Other 0 21,772 0 0
J.P. MORGAN & COMPANY Com 616880100 129,230 791 SH Sole 0 2,989 0 0
J.P. MORGAN & COMPANY Com 616880100 318,581 1,950 SH Defined 0 0 0 0
J.P. MORGAN & COMPANY Com 616880100 40,517 248 SH Other 0 0 0 0
J P MORGAN & CO INC Com 61688AAV0 95,457 100,000 SH Sole 0 125,000 0 0
J P MORGAN & CO INC Com 61688AAV0 23,864 25,000 SH Other 0 0 0 0
MORGAN STANLEY DEAN WITTE Com 617446448 25,058,538 274,051 SH Sole 0 292,116 0 0
MORGAN STANLEY DEAN WITTE Com 617446448 1,524,537 16,673 SH Defined 0 0 0 0
MORGAN STANLEY DEAN WITTE Com 617446448 127,281 1,392 SH Other 0 0 0 0
MOTOROLA INCORPORATED Com 620076109 74,580 2,640 SH Sole 0 9,077 0 0
MOTOROLA INCORPORATED Com 620076109 68,789 2,435 SH Defined 0 0 0 0
MOTOROLA INCORPORATED Com 620076109 113,057 4,002 SH Other 0 0 0 0
MUTUALFIRST FINANCIAL INC Com 62845B104 254,125 19,000 SH Other 0 19,000 0 0
NASDAQ 100 TR UNIT SER I Com 631100104 18,181 205 SH Sole 0 6,111 0 0
NASDAQ 100 TR UNIT SER I Com 631100104 35,475 400 SH Defined 0 0 0 0
NASDAQ 100 TR UNIT SER I Com 631100104 488,313 5,506 SH Other 0 0 0 0
NATIONAL CITY CORPORATION Com 635405103 3,091,150 139,713 SH Sole 0 154,170 0 0
NATIONAL CITY CORPORATION Com 635405103 246,694 11,150 SH Defined 0 0 0 0
NATIONAL CITY CORPORATION Com 635405103 73,167 3,307 SH Other 0 0 0 0
NETWORK APPLIANCE INC Com 64120L104 639,423 5,020 SH Other 0 5,020 0 0
NEWELL RUBBERMAID INC COM Com 651229106 1,677,745 73,545 SH Sole 0 81,882 0 0
NEWELL RUBBERMAID INC COM Com 651229106 168,698 7,395 SH Defined 0 0 0 0
NEWELL RUBBERMAID INC COM Com 651229106 21,489 942 SH Other 0 0 0 0
NEWFOUNDLAND GOLDBAR RESO Com 65133L106 3,200 20,000 SH Other 0 20,000 0 0
NEWPORT CORP Com 651824104 339,236 2,130 SH Other 0 2,130 0 0
NEXTEL COMMUNICATIONS INC Com 65332V103 9,350 200 SH Sole 0 6,405 0 0
NEXTEL COMMUNICATIONS INC Com 65332V103 9,350 200 SH Defined 0 0 0 0
NEXTEL COMMUNICATIONS INC Com 65332V103 280,734 6,005 SH Other 0 0 0 0
NISOURCE INC Com 65473P105 99,645 4,088 SH Sole 0 15,106 0 0
NISOURCE INC Com 65473P105 99,255 4,072 SH Defined 0 0 0 0
NISOURCE INC Com 65473P105 169,309 6,946 SH Other 0 0 0 0
NOKIA CORPORATION Com 654902204 798,280 20,051 SH Defined 0 27,420 0 0
NOKIA CORPORATION Com 654902204 293,378 7,369 SH Other 0 0 0 0
NORFOLK SOUTHERN CORPORAT Com 655844108 85,556 5,850 SH Sole 0 24,171 0 0
NORFOLK SOUTHERN CORPORAT Com 655844108 247,982 16,956 SH Defined 0 0 0 0
NORFOLK SOUTHERN CORPORAT Com 655844108 19,963 1,365 SH Other 0 0 0 0
NORTHEAST INDIANA BANCORP Com 664196102 27,830 2,420 SH Sole 0 17,864 0 0
NORTHEAST INDIANA BANCORP Com 664196102 177,606 15,444 SH Other 0 0 0 0
NORTHWEST BANCORP INC Com 667328108 25,293 3,020 SH Sole 0 72,400 0 0
NORTHWEST BANCORP INC Com 667328108 581,058 69,380 SH Other 0 0 0 0
NUCOR CORPORATION Com 670346105 171,713 5,700 SH Sole 0 7,000 0 0
NUCOR CORPORATION Com 670346105 21,088 700 SH Defined 0 0 0 0
NUCOR CORPORATION Com 670346105 18,075 600 SH Other 0 0 0 0
OHIO CASUALTY CORPORATION Com 677240103 10,842,097 1,709,099 SH Sole 0 4,127,544 0 0
OHIO CASUALTY CORPORATION Com 677240103 12,012,449 1,893,588 SH Defined 0 0 0 0
OHIO CASUALTY CORPORATION Com 677240103 3,329,562 524,857 SH Other 0 0 0 0
OLD KENT FINANCIAL CORPOR Com 679833103 5,164,389 178,467 SH Sole 0 210,759 0 0
OLD KENT FINANCIAL CORPOR Com 679833103 934,450 32,292 SH Defined 0 0 0 0
OMNICOM GROUP INCORPORATE Com 681919106 21,685,778 297,320 SH Sole 0 345,470 0 0
OMNICOM GROUP INCORPORATE Com 681919106 3,468,616 47,556 SH Defined 0 0 0 0
OMNICOM GROUP INCORPORATE Com 681919106 43,325 594 SH Other 0 0 0 0
ORACLE CORPORATION Com 68389X105 106,313 1,350 SH Sole 0 13,361 0 0
ORACLE CORPORATION Com 68389X105 363,668 4,618 SH Defined 0 0 0 0
ORACLE CORPORATION Com 68389X105 582,199 7,393 SH Other 0 0 0 0
PFF BANCORP INC. Com 69331W104 6,525 300 SH Sole 0 11,280 0 0
PFF BANCORP INC. Com 69331W104 238,815 10,980 SH Other 0 0 0 0
PNC FINANCIAL CORPORATION Com 693475105 19,500 300 SH Sole 0 48,264 0 0
PNC FINANCIAL CORPORATION Com 693475105 2,614,690 40,226 SH Defined 0 0 0 0
</TABLE>
<PAGE> 11
<TABLE>
<CAPTION>
13F Report Of Managed Assets
Page 9
===================================================================================================================================
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> <C> <C>
PNC FINANCIAL CORPORATION Com 693475105 502,970 7,738 SH Other 0 0 0 0
PARK NATIONAL CORPORATION Com 700658107 182,304 1,899 SH Sole 0 4,725 0 0
PARK NATIONAL CORPORATION Com 700658107 271,296 2,826 SH Other 0 0 0 0
PENTAIR INCORPORATED Com 709631105 3,650,439 136,465 SH Sole 0 160,215 0 0
PENTAIR INCORPORATED Com 709631105 635,313 23,750 SH Defined 0 0 0 0
PEOPLES FINANCIAL CORPORA Com 71103A104 54 10 SH Sole 0 39,784 0 0
PEOPLES FINANCIAL CORPORA Com 71103A104 213,785 39,774 SH Other 0 0 0 0
PEOPLES HLDG INC Com 71114N103 337,250 1,775 SH Sole 0 1,775 0 0
PEOPLES SAVINGS BANK OF T Com 712289107 206,682 59,052 SH Other 0 59,052 0 0
PEPSICO INCORPORATED Com 713448108 9,837,330 213,855 SH Sole 0 278,350 0 0
PEPSICO INCORPORATED Com 713448108 2,671,082 58,067 SH Defined 0 0 0 0
PEPSICO INCORPORATED Com 713448108 295,688 6,428 SH Other 0 0 0 0
PFIZER INCORPORATED Com 717081103 1,040,258 23,149 SH Sole 0 86,929 0 0
PFIZER INCORPORATED Com 717081103 964,651 21,467 SH Defined 0 0 0 0
PFIZER INCORPORATED Com 717081103 1,901,463 42,314 SH Other 0 0 0 0
PHARMACIA CORP COM Com 71713U102 445,448 7,401 SH Sole 0 16,856 0 0
PHARMACIA CORP COM Com 71713U102 332,175 5,519 SH Defined 0 0 0 0
PHARMACIA CORP COM Com 71713U102 236,898 3,936 SH Other 0 0 0 0
PHILIP MORRIS COMPANIES I Com 718154107 230,348 7,825 SH Sole 0 33,165 0 0
PHILIP MORRIS COMPANIES I Com 718154107 635,114 21,575 SH Defined 0 0 0 0
PHILIP MORRIS COMPANIES I Com 718154107 110,832 3,765 SH Other 0 0 0 0
PINNACLE HOLDINGS INC Com 72346N101 266,250 10,000 SH Other 0 10,000 0 0
PITNEY BOWES, INCORPORATE Com 724479100 11,337,847 287,489 SH Sole 0 346,248 0 0
PITNEY BOWES, INCORPORATE Com 724479100 2,249,791 57,047 SH Defined 0 0 0 0
PITNEY BOWES, INCORPORATE Com 724479100 67,517 1,712 SH Other 0 0 0 0
PITTSBURGH FINANCIAL CORP Com 725098107 1,138 130 SH Sole 0 20,000 0 0
PITTSBURGH FINANCIAL CORP Com 725098107 173,863 19,870 SH Other 0 0 0 0
POTOMAC ELECTRIC POWER CO Com 737679100 115,863 4,600 SH Sole 0 9,050 0 0
POTOMAC ELECTRIC POWER CO Com 737679100 112,084 4,450 SH Defined 0 0 0 0
POTTERS FINANCIAL CORP. Com 738140102 12,128 1,386 SH Sole 0 29,522 0 0
POTTERS FINANCIAL CORP. Com 738140102 246,190 28,136 SH Other 0 0 0 0
PROCTER & GAMBLE COMPANY Com 742718109 30,847,336 460,408 SH Sole 0 1,266,651 0 0
PROCTER & GAMBLE COMPANY Com 742718109 52,400,566 782,098 SH Defined 0 0 0 0
PROCTER & GAMBLE COMPANY Com 742718109 1,617,715 24,145 SH Other 0 0 0 0
PROVIDENT FINANCIAL GROUP Com 743866105 11,897 405 SH Sole 0 33,222 0 0
PROVIDENT FINANCIAL GROUP Com 743866105 205,331 6,990 SH Defined 0 0 0 0
PROVIDENT FINANCIAL GROUP Com 743866105 758,668 25,827 SH Other 0 0 0 0
QCF BANCORP INC Com 746924109 337,116 14,010 SH Other 0 14,010 0 0
QUALCOMM INCORPORATED Com 747525103 57,570 808 SH Sole 0 11,992 0 0
QUALCOMM INCORPORATED Com 747525103 4,845 68 SH Defined 0 0 0 0
QUALCOMM INCORPORATED Com 747525103 792,015 11,116 SH Other 0 0 0 0
QWEST COMMUNICATIONS INTL Com 749121109 314,233 6,538 SH Sole 0 11,660 0 0
QWEST COMMUNICATIONS INTL Com 749121109 145,870 3,035 SH Defined 0 0 0 0
QWEST COMMUNICATIONS INTL Com 749121109 100,306 2,087 SH Other 0 0 0 0
REYNOLDS & REYNOLDS INCOR Com 761695105 134,733 6,779 SH Sole 0 20,341 0 0
REYNOLDS & REYNOLDS INCOR Com 761695105 13,913 700 SH Defined 0 0 0 0
REYNOLDS & REYNOLDS INCOR Com 761695105 255,632 12,862 SH Other 0 0 0 0
RICHMOND CNTY FINL CORP C Com 764556106 59,671 2,467 SH Sole 0 46,084 0 0
RICHMOND CNTY FINL CORP C Com 764556106 1,054,986 43,617 SH Other 0 0 0 0
ROHM & HAAS COMPANY Com 775371107 687,125 23,643 SH Sole 0 47,319 0 0
ROHM & HAAS COMPANY Com 775371107 677,912 23,326 SH Defined 0 0 0 0
ROHM & HAAS COMPANY Com 775371107 10,172 350 SH Other 0 0 0 0
ROSLYN BANCORP Com 778162107 1,835 82 SH Sole 0 9,445 0 0
ROSLYN BANCORP Com 778162107 209,497 9,363 SH Other 0 0 0 0
ROYAL DUTCH PETROLEUM N.Y Com 780257804 194,797 3,250 SH Sole 0 20,278 0 0
ROYAL DUTCH PETROLEUM N.Y Com 780257804 726,922 12,128 SH Defined 0 0 0 0
ROYAL DUTCH PETROLEUM N.Y Com 780257804 293,694 4,900 SH Other 0 0 0 0
SBC COMMUNICATIONS INC. Com 78387G103 13,510,400 270,208 SH Sole 0 318,111 0 0
SBC COMMUNICATIONS INC. Com 78387G103 2,051,692 41,034 SH Defined 0 0 0 0
SBC COMMUNICATIONS INC. Com 78387G103 343,450 6,869 SH Other 0 0 0 0
SDL INC Com 784076101 309,313 1,000 SH Other 0 1,000 0 0
SANMINA CORP Com 800907107 3,153,290 33,680 SH Sole 0 38,990 0 0
SANMINA CORP Com 800907107 450,336 4,810 SH Defined 0 0 0 0
SANMINA CORP Com 800907107 46,813 500 SH Other 0 0 0 0
SCHERING-PLOUGH CORPORATI Com 806605101 23,735,414 510,439 SH Sole 0 643,449 0 0
SCHERING-PLOUGH CORPORATI Com 806605101 5,304,302 114,071 SH Defined 0 0 0 0
</TABLE>
<PAGE> 12
<TABLE>
<CAPTION>
13F Report Of Managed Assets
Page 10
===================================================================================================================================
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> <C> <C>
SCHERING-PLOUGH CORPORATI Com 806605101 880,664 18,939 SH Other 0 0 0 0
SCHLUMBERGER LIMITED Com 806857108 98,775 1,200 SH Sole 0 2,853 0 0
SCHLUMBERGER LIMITED Com 806857108 82,313 1,000 SH Defined 0 0 0 0
SCHLUMBERGER LIMITED Com 806857108 53,750 653 SH Other 0 0 0 0
SCIENTIFIC ATLANTA INC. Com 808655104 386,840 6,080 SH Sole 0 11,021 0 0
SCIENTIFIC ATLANTA INC. Com 808655104 282,495 4,440 SH Defined 0 0 0 0
SCIENTIFIC ATLANTA INC. Com 808655104 31,876 501 SH Other 0 0 0 0
SECURITY BANC CORPORATION Com 813767100 298,000 16,000 SH Sole 0 16,000 0 0
SECURITY OF PENNSYLVANIA Com 814847109 25,313 1,500 SH Sole 0 33,000 0 0
SECURITY OF PENNSYLVANIA Com 814847109 531,563 31,500 SH Other 0 0 0 0
SERVICE BANCORP, INC. Com 81756X103 66,250 10,000 SH Other 0 10,000 0 0
SERVICE MERCHANDISE CO Com 817587108 1,625 13,000 SH Defined 0 13,000 0 0
SIGMA ALDRICH Com 826552101 3,579,081 108,457 SH Sole 0 123,190 0 0
SIGMA ALDRICH Com 826552101 464,739 14,083 SH Defined 0 0 0 0
SIGMA ALDRICH Com 826552101 21,450 650 SH Other 0 0 0 0
EAST WEST TRADE CORPORATI Com 8350334 5,000 25,000 SH Other 0 25,000 0 0
SOUTHERN COMPANY Com 842587107 68,768 2,120 SH Sole 0 24,955 0 0
SOUTHERN COMPANY Com 842587107 669,348 20,635 SH Defined 0 0 0 0
SOUTHERN COMPANY Com 842587107 71,363 2,200 SH Other 0 0 0 0
SOUTHWEST AIRLINES Com 844741108 4,358,259 179,722 SH Sole 0 231,642 0 0
SOUTHWEST AIRLINES Com 844741108 1,220,866 50,345 SH Defined 0 0 0 0
SOUTHWEST AIRLINES Com 844741108 38,194 1,575 SH Other 0 0 0 0
SOVEREIGN BANCORP INC Com 845905108 5,642,038 609,950 SH Sole 0 704,829 0 0
SOVEREIGN BANCORP INC Com 845905108 850,861 91,985 SH Defined 0 0 0 0
SOVEREIGN BANCORP INC Com 845905108 26,770 2,894 SH Other 0 0 0 0
SPRINT CORP PCS COM SER 1 Com 852061506 70,125 2,000 SH Sole 0 6,994 0 0
SPRINT CORP PCS COM SER 1 Com 852061506 51,963 1,482 SH Defined 0 0 0 0
SPRINT CORP PCS COM SER 1 Com 852061506 123,140 3,512 SH Other 0 0 0 0
SUN MICROSYSTEMS INCORPOR Com 866810104 441,082 3,778 SH Sole 0 26,699 0 0
SUN MICROSYSTEMS INCORPOR Com 866810104 624,846 5,352 SH Defined 0 0 0 0
SUN MICROSYSTEMS INCORPOR Com 866810104 2,051,181 17,569 SH Other 0 0 0 0
SYMANTEC CORP Com 871503108 2,178,880 49,520 SH Sole 0 49,620 0 0
SYMANTEC CORP Com 871503108 4,400 100 SH Defined 0 0 0 0
SYSCO CORP Com 871829107 4,631 100 SH Sole 0 10,180 0 0
SYSCO CORP Com 871829107 448,305 9,680 SH Defined 0 0 0 0
SYSCO CORP Com 871829107 18,525 400 SH Other 0 0 0 0
TCF FINANCIAL CORPORATION Com 872275102 16,931 450 SH Sole 0 13,924 0 0
TCF FINANCIAL CORPORATION Com 872275102 282,413 7,506 SH Defined 0 0 0 0
TCF FINANCIAL CORPORATION Com 872275102 224,546 5,968 SH Other 0 0 0 0
TF FINANCIAL CORPORATION Com 872391107 20,010 1,380 SH Sole 0 14,800 0 0
TF FINANCIAL CORPORATION Com 872391107 194,590 13,420 SH Other 0 0 0 0
TALBOTS INC Com 874161102 2,894,595 43,692 SH Sole 0 48,667 0 0
TALBOTS INC Com 874161102 329,594 4,975 SH Defined 0 0 0 0
TERADYNE INC COMPANY Com 880770102 1,135,225 32,435 SH Sole 0 32,485 0 0
TERADYNE INC COMPANY Com 880770102 1,750 50 SH Defined 0 0 0 0
TEXACO INCORPORATED Com 881694103 21,000 400 SH Sole 0 5,165 0 0
TEXACO INCORPORATED Com 881694103 111,405 2,122 SH Defined 0 0 0 0
TEXACO INCORPORATED Com 881694103 138,758 2,643 SH Other 0 0 0 0
TEXAS INSTRUMENTS Com 882508104 200,972 4,259 SH Sole 0 9,144 0 0
TEXAS INSTRUMENTS Com 882508104 103,341 2,190 SH Defined 0 0 0 0
TEXAS INSTRUMENTS Com 882508104 127,170 2,695 SH Other 0 0 0 0
TRI-CONTINENTAL CORPORATI Com 895436103 32,656 1,250 SH Sole 0 11,892 0 0
TRI-CONTINENTAL CORPORATI Com 895436103 98,674 3,777 SH Defined 0 0 0 0
TRI-CONTINENTAL CORPORATI Com 895436103 179,348 6,865 SH Other 0 0 0 0
TRIBUNE INCORPORATED Com 896047107 349,000 8,000 SH Defined 0 8,000 0 0
TYCO INTERNATIONAL LTD Com 902124106 38,545,096 743,038 SH Sole 0 893,272 0 0
TYCO INTERNATIONAL LTD Com 902124106 7,632,576 147,134 SH Defined 0 0 0 0
TYCO INTERNATIONAL LTD Com 902124106 160,813 3,100 SH Other 0 0 0 0
UNIFI INCORPORATED Com 904677101 294,154 28,874 SH Sole 0 36,686 0 0
UNIFI INCORPORATED Com 904677101 79,585 7,812 SH Defined 0 0 0 0
UNIGENE LAB INC Com 904753100 35,625 15,000 SH Sole 0 15,000 0 0
UNION COMMUNITY BANCORP Com 906054101 189,833 15,340 SH Other 0 15,340 0 0
UNITED COMMUNITY FIN CORP Com 909839102 92,315 14,067 SH Other 0 14,067 0 0
U.S. CELLULAR CORP Com 911684108 698,950 9,985 SH Sole 0 12,060 0 0
U.S. CELLULAR CORP Com 911684108 145,250 2,075 SH Defined 0 0 0 0
VENCOR INC Com 92260R102 800 10,000 SH Other 0 10,000 0 0
</TABLE>
<PAGE> 13
<TABLE>
<CAPTION>
13F Report Of Managed Assets
Page 11
===================================================================================================================================
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> <C> <C>
VERISIGN INC Com 92343E102 130,653 645 SH Sole 0 1,150 0 0
VERISIGN INC Com 92343E102 102,294 505 SH Other 0 0 0 0
VERIZON COMMUNICATIONS CO Com 92343V104 826,295 17,059 SH Sole 0 49,242 0 0
VERIZON COMMUNICATIONS CO Com 92343V104 889,022 18,354 SH Defined 0 0 0 0
VERIZON COMMUNICATIONS CO Com 92343V104 669,842 13,829 SH Other 0 0 0 0
VISHAY INTERTECHNOLOGY IN Com 928298108 4,273,020 138,960 SH Sole 0 139,760 0 0
VISHAY INTERTECHNOLOGY IN Com 928298108 3,075 100 SH Defined 0 0 0 0
VISHAY INTERTECHNOLOGY IN Com 928298108 21,525 700 SH Other 0 0 0 0
ADR VODAFONE GROUP PLC Com 92857W100 329,670 8,910 SH Sole 0 20,640 0 0
ADR VODAFONE GROUP PLC Com 92857W100 206,645 5,585 SH Defined 0 0 0 0
ADR VODAFONE GROUP PLC Com 92857W100 227,365 6,145 SH Other 0 0 0 0
WADDELL & REED FINL INC C Com 930059100 2,519,525 81,275 SH Sole 0 97,232 0 0
WADDELL & REED FINL INC C Com 930059100 480,717 15,507 SH Defined 0 0 0 0
WADDELL & REED FINL INC C Com 930059100 13,950 450 SH Other 0 0 0 0
WAL MART STORES INCORPORA Com 931142103 545,016 11,325 SH Sole 0 16,806 0 0
WAL MART STORES INCORPORA Com 931142103 110,591 2,298 SH Defined 0 0 0 0
WAL MART STORES INCORPORA Com 931142103 153,182 3,183 SH Other 0 0 0 0
WALGREEN COMPANY Com 931422109 98,638 2,600 SH Sole 0 25,800 0 0
WALGREEN COMPANY Com 931422109 747,369 19,700 SH Defined 0 0 0 0
WALGREEN COMPANY Com 931422109 132,781 3,500 SH Other 0 0 0 0
WELLS FARGO & CO NEW Com 949746101 78,094 1,700 SH Sole 0 5,880 0 0
WELLS FARGO & CO NEW Com 949746101 159,863 3,480 SH Defined 0 0 0 0
WELLS FARGO & CO NEW Com 949746101 32,156 700 SH Other 0 0 0 0
WHIRLPOOL CORPORATION Com 963320106 884,406 22,750 SH Sole 0 22,884 0 0
WHIRLPOOL CORPORATION Com 963320106 5,209 134 SH Defined 0 0 0 0
WILLAMETTE INDUSTRIES INC Com 969133107 5,205,004 185,893 SH Sole 0 224,969 0 0
WILLAMETTE INDUSTRIES INC Com 969133107 1,080,128 38,576 SH Defined 0 0 0 0
WILLAMETTE INDUSTRIES INC Com 969133107 14,000 500 SH Other 0 0 0 0
WILLOW GROVE BANCORP INC Com 97111E101 169,847 14,850 SH Other 0 14,850 0 0
WINTON FINANCIAL CORPORAT Com 976446104 122,546 13,808 SH Other 0 13,808 0 0
WORLDCOM INC Com 98157D106 5,020,228 165,275 SH Sole 0 196,377 0 0
WORLDCOM INC Com 98157D106 637,905 21,001 SH Defined 0 0 0 0
WORLDCOM INC Com 98157D106 306,818 10,101 SH Other 0 0 0 0
WILLIAM WRIGLEY JR. COMPA Com 982526105 334,991 4,474 SH Defined 0 4,474 0 0
XCEL ENERGY INC Com 98389B100 98,340 3,576 SH Sole 0 14,965 0 0
XCEL ENERGY INC Com 98389B100 271,618 9,877 SH Defined 0 0 0 0
XCEL ENERGY INC Com 98389B100 41,580 1,512 SH Other 0 0 0 0
PROGRESS INCORPORATED CLA Com 999011117 20,932,725 22,800 SH Other 0 22,800 0 0
LAUREL GROVE PLANTATION I Com 999011141 49,022 24,511 SH Sole 0 37,548 0 0
LAUREL GROVE PLANTATION I Com 999011141 26,075 13,037 SH Defined 0 0 0 0
GLOBAL CROSSING LTD Com G3921A100 43,338 1,398 SH Sole 0 11,906 0 0
GLOBAL CROSSING LTD Com G3921A100 184,698 5,958 SH Defined 0 0 0 0
GLOBAL CROSSING LTD Com G3921A100 141,050 4,550 SH Other 0 0 0 0
LORAL SPACE & COMMUNICATI Com G56462107 62,610 10,222 SH Other 0 10,222 0 0
FLEXTRONICS INTL LTD COM Com Y2573F102 4,543,976 55,330 SH Sole 0 55,931 0 0
FLEXTRONICS INTL LTD COM Com Y2573F102 4,106 50 SH Defined 0 0 0 0
FLEXTRONICS INTL LTD COM Com Y2573F102 45,251 551 SH Other 0 0 0 0
</TABLE>
