NATIONAL CITY BANCORPORATION
SC 13G/A, 1999-02-02
NATIONAL COMMERCIAL BANKS
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<PAGE>   1
                      SECURITIES AND EXCHANGE COMMISSION
                            Washington, D.C. 20549

                             ______________________


                                SCHEDULE 13G

                                 (Rule 13d-102)

             INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT
           TO RULES 13d-1(b)(c), AND (d) AND AMENDMENTS THERETO FILED
                            PURSUANT TO RULE 13d-2(b)

                               (Amendment No. 14)(1)

                         National City Bancorporation
- --------------------------------------------------------------------------------
                              (Name of Issuer)

                        Common Stock, $1.25 par value
- --------------------------------------------------------------------------------
                       (Title of Class of Securities)

                                 635312-10-1
- --------------------------------------------------------------------------------
                               (CUSIP Number)

                               December 31, 1998
- --------------------------------------------------------------------------------
            (Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule
is filed:

              Rule 13d-1(b)
         ---
          X   Rule 13d-1(c)
         ---
              Rule 13d-1(d)
         ---



         (1) The remainder of this cover page shall be filled out for a
reporting person's initial filing on this form with respect to the subject class
of securities, and for any subsequent amendment containing information which
would alter the disclosures provided in a prior cover page.

The information required in the remainder of this cover page shall not be
deemed to be "filed" for the purpose of Section 18 of the Securities Exchange
Act of 1934 ("Act") or otherwise subject to the liabilities of that section of
the Act but shall be subject to all other provisions of the Act.



                               Page 1 of 5 Pages



<PAGE>   2

                                                                     Page 2 of 5



CUSIP No. 635312-10-1


1.  Name of Reporting Person and I.R.S. Identification No.:
    David L. Andreas
    
2.  Member of a Group: (a) ________  (b) ___X_____
    
3.  SEC USE ONLY:
    
4.  Citizenship or Place of Organization:  United States
    
5.  Sole Voting Power:  -0-
    
6.  Shared Voting Power: 608,887
    
7.  Sole Dispositive Power:  -0-
    
8.  Shared Dispositive Power: 608,887

9.  Aggregate Amount Beneficially Owned by each Reporting Person: 608,887

10. Check Box if the Aggregate Amount in Row 9 excludes Certain Shares: / /


11. Percent of Class Represented by Amount in Row 9: 6.9%

12. Type of Reporting Person:  IN





<PAGE>   3

13G(Individuals - continued)                                        Page 3 of 5




Item 1(a)
and (b)    NAME AND ADDRESS OF ISSUER:
           National City Bancorporation
           651 Nicollet Mall
           Minneapolis, Minnesota  55402

Item 2(a)  NAME OF PERSON FILING:
           David L. Andreas

Item 2(b)  ADDRESS OF PRINCIPAL BUSINESS OFFICE OR, IF NONE, RESIDENCE:
           National City Bancorporation
           651 Nicollet Mall
           Minneapolis, Minnesota  55402

Item 2(c)  CITIZENSHIP:
           USA


Item 2(d)  TITLE OF CLASS OF SECURITIES:
           Common Stock, $1.25 par value

Item 2(e)  CUSIP NUMBER:
           635312-10-1

Item 3.    If this Statement is Filed Pursuant to Rule 13d-1(b), or
           13d-2(b) or (c), Check Whether the Person Filing is a:

      (a)  [ ] Broker or dealer registered under Section 15 of the 
               Exchange Act.

      (b)  [ ] Bank as defined in Section 3(a)(6) of the Exchange Act.

      (c)  [ ] Insurance company as defined in Section 3(a)(19) of the
               Exchange Act.

      (d)  [ ] Investment company registered under Section 8 of the
               Investment Company Act.

      (e)  [ ] An investment adviser in accordance with Rule
               13d-1(b)(1)(ii)(E);

      (f)  [ ] An employee benefit plan or endowment fund in accordance
               with Rule 13d-1(b)(1)(ii)(F);

      (g)  [ ] A parent holding company or control person in accordance
               with Rule 13d-1(b)(1)(ii)(G);

      (h)  [ ] A savings association as defined in Section 3(b) of the
               Federal Deposit Insurance Act;

      (i)  [ ] A church plan that is excluded from the definition of an
               investment company under Section 3(c)(14) of the Investment
               Company Act;

      (j)  [ ] Group, in accordance with Rule 13d-1(b)(1)(ii)(J);

      If this statement is filed pursuant to Rule 13d-1(c), check this box. [x]

Item 4.  Ownership.

         Provide the following information regarding the aggregate number and
percentage of the class of securities of the issuer identified in Item 1.

      (a)  AMOUNT BENEFICIALLY OWNED:

           608,887 shares at December 31, 1998.  See schedule of disclaimed
           ownership attached as Exhibit A. 

      (b)  PERCENT OF CLASS:

           6.9 percent pursuant to Rule 13d-3(c).

      (c)  NUMBER OF SHARES AS TO WHICH SUCH PERSON HAS


           (i)   Sole power to vote or to direct the vote  -0-
           (ii)  Shared power to vote or to direct the vote 608,887
           (iii) Sole power to dispose or to direct the disposition of  -0-
           (iv)  Shared power to dispose or to direct the disposition of 608,887


Item 5     OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS.
           
           Not Applicable
           
Item 6     OWNERSHIP OF MORE THAN FIVE PERCENT ON BEHALF OF ANOTHER PERSON.
           
           Not Applicable
<PAGE>   4

13G(Individuals - continued)                                         Page 4 of 5

Item 7     IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARY WHICH ACQUIRED
           THE SECURITY BEING REPORTED ON BY THE PARENT HOLDING COMPANY.

           Not Applicable

Item 8     IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF THE GROUP.



           Not Applicable
           
Item 9     NOTICE OF DISSOLUTION OF GROUP.
           
           Not Applicable
           
Item 10    CERTIFICATION.
           
      (a)  Not Applicable

      (b)  By signing below I certify that, to the best of my knowledge 
           and belief, the securities referred to above were not acquired
           and are not held for the purpose of or with the effect of
           changing or influencing the control of the issuer of the
           securities and were not acquired and are not held in
           connection with or as a participant in any transaction having
           that purpose or effect.


                                   SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify
that the information set forth in this statement is true, complete and correct.


Date:  February 1, 1999.                      

                                                 s/ David L. Andreas
                                                 -------------------------------
                                                 David L. Andreas




<PAGE>   5

13G(Individuals - continued)                                         Page 5 of 5


                                  EXHIBIT A

                          To Form 13G (Individual)

     The filing of this report shall not be construed as an admission by the
person identified in Item 2(a) that, for the purpose of Section 13(d) or 13(g)
of the Securities Exchange Act, he is the "beneficial owner" of any equity
securities listed below; and such person expressly disclaims that he is part of
a "group."

Record Owner's Relationship     Reporting Person's       Number
  to Reporting Person           Type of Ownership      of Shares
- ---------------------------     ------------------     ---------
      
    (1)                         Indirect (1)             89,402
 401(K) Plan                         Indirect            20,395


(1)  As co-trustee for certain trusts for family members.




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