UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 3/31/99
CHECK HERE IF AMENDMENT ( ); AMENDMENT NUMBER:
THIS AMENDMENT (CHECK ONLY ONE.): ( ) IS A RESTATEMENT.
( ) ADDS NEW HOLDINGS ENTRIES
INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT:
NAME: OLD KENT BANK
ADDRESS: 111 LYON ST
GRAND RAPIDS, MI 49503
13F FILE NUMBER: 28-676
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: KEN KREI
TITLE: EXECUTIVE VICE PRESIDENT
PHONE: (616)653-3365
SIGNATURE,PLACE,AND DATE OF SIGNING:
KEN KREI GRAND RAPIDS, MI 3/31/99
REPORT TYPE (CHECK ONLY ONE.):
( X) 13F HOLDINGS REPORT
( ) 13F NOTICE
( ) 13F COMBINATION REPORT
LIST OF OTHER MANAGERS REPORTING FOR THIS MANAGER:
NONE
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: 1
FORM 13F INFORMATION TABLE ENTRY TOTAL: 636
FORM 13F INFORMATION TABLE VALUE TOTAL: $1,593,413,828
LIST OF OTHER INCLUDED MANAGERS:
PROVIDE A NUMBERED LIST OF THE NAME(S) AND FORM 13F FILE NUMBER(S) OF ALL
INSTITUTIONAL INVESTMENT MANAGERS WITH RESPECT TO WHICH THIS REPORT IS FILED,
OTHER THAN THE MANAGER FILING THIS REPORT.
[IF THERE ARE NO ENTRIES IN THIS LIST, STATE "NONE" AND OMIT THE COLUMN
HEADINGS AND LIST ENTRIES.]
NO. FORM 13F FILE NUMBER NAME
1 28-1597 OLD KENT FINANCIAL CORPORATION
<PAGE>
<TABLE>
<CAP>
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
- ---------------------------- ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
ABBOTT LABS COMMON STOCK 002824100 11076 236597 SH SHARED 236297 0 300
ABBOTT LABS COMMON STOCK 002824100 5921 126492 SH OTHER 103132 260 23100
AETNA INC COMMON STOCK 008117103 358 4308 SH SHARED 4308 0 0
AETNA INC COMMON STOCK 008117103 263 3172 SH OTHER 3097 0 75
AIR PRODS & CHEMS INC COMMON STOCK 009158106 219 6400 SH SHARED 6400 0 0
AIRTOUCH COMMUNICATIONS INC COMMON STOCK 00949T100 3666 37936 SH SHARED 37596 0 340
AIRTOUCH COMMUNICATIONS INC COMMON STOCK 00949T100 1536 15894 SH OTHER 14899 380 615
ALBERTSONS INC COMMON STOCK 013104104 782 14365 SH SHARED 14365 0 0
ALCOA INC COMMON STOCK 013817101 775 18812 SH SHARED 18812 0 0
ALCOA INC COMMON STOCK 013817101 85 2054 SH OTHER 2054 0 0
ALLIED SIGNAL INC COMMON STOCK 019512102 916 18631 SH SHARED 17947 0 684
ALLIED SIGNAL INC COMMON STOCK 019512102 424 8616 SH OTHER 4958 3058 600
ALLIED WASTE INDS INC COMMON STOCK 019589308 144 10000 SH SHARED 10000 0 0
ALLSTATE CORP COMMON STOCK 020002101 10401 280625 SH SHARED 253189 0 27436
ALLSTATE CORP COMMON STOCK 020002101 14884 401595 SH OTHER 314208 0 87387
ALLTEL CORP COMMON STOCK 020039103 327 5239 SH SHARED 5239 0 0
ALLTEL CORP COMMON STOCK 020039103 31 497 SH OTHER 497 0 0
ALZA CORP COMMON STOCK 022615108 967 25275 SH SHARED 25275 0 0
ALZA CORP COMMON STOCK 022615108 302 7885 SH OTHER 7885 0 0
AMERADA HESS CORP COMMON STOCK 023551104 71 1402 SH SHARED 1402 0 0
AMERADA HESS CORP COMMON STOCK 023551104 146 2870 SH OTHER 2870 0 0
AMEREN CORP COMMON STOCK 023608102 365 10084 SH SHARED 9698 0 386
AMEREN CORP COMMON STOCK 023608102 497 13740 SH OTHER 11707 0 2033
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 3202 21782 SH SHARED 21582 0 200
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 279 1900 SH OTHER 1500 0 400
AMERICAN AXLE & MFG HLDGS INC COMMON STOCK 024061103 443 36500 SH SHARED 36500 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 723 18205 SH SHARED 18205 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 353 8883 SH OTHER 7983 0 900
AMERICAN EXPRESS CO COMMON STOCK 025816109 1650 14016 SH SHARED 14016 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 434 3688 SH OTHER 3488 0 200
AMERICAN GEN CORP COMMON STOCK 026351106 1023 14504 SH SHARED 14504 0 0
AMERICAN GEN CORP COMMON STOCK 026351106 220 3124 SH OTHER 3124 0 0
AMERICAN GREETINGS CORP COMMON STOCK 026375105 222 8750 SH SHARED 8650 0 100
AMERICAN GREETINGS CORP COMMON STOCK 026375105 38 1500 SH OTHER 1500 0 0
AMERICAN HOME PRODS CORP COMMON STOCK 026609107 4190 64219 SH SHARED 63119 0 1100
AMERICAN HOME PRODS CORP COMMON STOCK 026609107 3457 52982 SH OTHER 49282 100 3600
AMERICAN INTL GROUP INC COMMON STOCK 026874107 5931 49168 SH SHARED 49168 0 0
AMERICAN INTL GROUP INC COMMON STOCK 026874107 1055 8743 SH OTHER 8495 0 248
AMERITECH CORP NEW COMMON STOCK 030954101 7246 125738 SH SHARED 123546 0 2192
AMERITECH CORP NEW COMMON STOCK 030954101 5202 90268 SH OTHER 85456 3356 1456
AMETEK INC NEW COMMON STOCK 031100100 175 9600 SH SHARED 9600 0 0
AMETEK INC NEW COMMON STOCK 031100100 18 1000 SH OTHER 1000 0 0
AMGEN INC COMMON STOCK 031162100 759 10140 SH SHARED 9890 0 250
AMGEN INC COMMON STOCK 031162100 166 2214 SH OTHER 2014 0 200
AMP INC COMMON STOCK 031897101 552 10322 SH SHARED 10322 0 0
AMP INC COMMON STOCK 031897101 210 3925 SH OTHER 3751 0 174
AMR CORP DEL COMMON STOCK 001765106 196 3350 SH SHARED 3350 0 0
AMR CORP DEL COMMON STOCK 001765106 35 600 SH OTHER 600 0 0
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 2024 26591 SH SHARED 26591 0 0
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 291 3820 SH OTHER 3520 0 300
AON CORP COMMON STOCK 037389103 544 8595 SH SHARED 8595 0 0
AON CORP COMMON STOCK 037389103 1187 18765 SH OTHER 18665 0 100
APPLIED MATLS INC COMMON STOCK 038222105 711 11520 SH SHARED 11435 0 85
APPLIED MATLS INC COMMON STOCK 038222105 740 12000 SH OTHER 12000 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 57 3866 SH SHARED 3659 0 207
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 121 8231 SH OTHER 3260 0 4971
ASHLAND INC COMMON STOCK 044204105 283 6925 SH SHARED 6925 0 0
ASHLAND INC COMMON STOCK 044204105 20 500 SH OTHER 500 0 0
ASSOCIATES FIRST CAP CORP COMMON STOCK 046008108 2261 50242 SH SHARED 50242 0 0
ASSOCIATES FIRST CAP CORP COMMON STOCK 046008108 456 10136 SH OTHER 9666 0 470
AT & T CORP COMMON STOCK 001957109 9722 121814 SH SHARED 119010 0 2804
AT & T CORP COMMON STOCK 001957109 2715 34014 SH OTHER 29963 2919 1132
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 1312 17936 SH SHARED 17256 0 680
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 1027 14040 SH OTHER 13840 0 200
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 5712 138048 SH SHARED 137248 0 800
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 1164 28127 SH OTHER 27187 340 600
AVON PRODS INC COMMON STOCK 054303102 292 6200 SH SHARED 6200 0 0
AVON PRODS INC COMMON STOCK 054303102 81 1724 SH OTHER 1504 0 220
BANK NEW YORK INC COMMON STOCK 064057102 939 26125 SH SHARED 26125 0 0
BANK ONE CORP COMMON STOCK 06423A103 3667 66589 SH SHARED 61187 0 5402
BANK ONE CORP COMMON STOCK 06423A103 7671 139309 SH OTHER 133995 253 5061
BANKAMERICA CORP NEW COMMON STOCK 06605F102 3446 48799 SH SHARED 48163 0 636
BANKAMERICA CORP NEW COMMON STOCK 06605F102 1182 16736 SH OTHER 16006 217 513
BANKBOSTON CORP COMMON STOCK 06605R106 435 10041 SH SHARED 10041 0 0
BANKBOSTON CORP COMMON STOCK 06605R106 143 3300 SH OTHER 3300 0 0
BARD C R INC COMMON STOCK 067383109 310 6145 SH SHARED 6145 0 0
BAXTER INTL INC COMMON STOCK 071813109 648 9821 SH SHARED 8227 0 1594
BAXTER INTL INC COMMON STOCK 071813109 369 5593 SH OTHER 4982 404 207
BELL ATLANTIC CORP COMMON STOCK 077853109 3295 63745 SH SHARED 62145 0 1600
BELL ATLANTIC CORP COMMON STOCK 077853109 2336 45189 SH OTHER 42693 1036 1460
BELLSOUTH CORP COMMON STOCK 079860102 4722 117856 SH SHARED 114762 0 3094
BELLSOUTH CORP COMMON STOCK 079860102 2397 59828 SH OTHER 56630 1426 1772
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670207 141 60 SH SHARED 60 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670207 247 105 SH OTHER 65 0 40
BESTFOODS COMMON STOCK 08658U101 723 15377 SH SHARED 15377 0 0
BESTFOODS COMMON STOCK 08658U101 633 13466 SH OTHER 13264 0 202
BINGHAM FINL SVCS CORP COMMON STOCK 090433103 725 43300 SH SHARED 43300 0 0
BIOANALYTICAL SYS INC COMMON STOCK 09058M103 136 37480 SH SHARED 37480 0 0
BIOMET INC COMMON STOCK 090613100 1330 31720 SH SHARED 31720 0 0
BIOMET INC COMMON STOCK 090613100 4842 115460 SH OTHER 115460 0 0
BLACK & DECKER CORP COMMON STOCK 091797100 272 4900 SH SHARED 4900 0 0
BLACK & DECKER CORP COMMON STOCK 091797100 41 742 SH OTHER 742 0 0
BOEING CO COMMON STOCK 097023105 1387 40782 SH SHARED 38825 0 1957
BOEING CO COMMON STOCK 097023105 296 8718 SH OTHER 8218 100 400
BP AMOCO P L C COMMON STOCK 055622104 2841 28128 SH SHARED 27839 0 289
BP AMOCO P L C COMMON STOCK 055622104 2639 26131 SH OTHER 24569 272 1290
BRIGGS & STRATTON CORP COMMON STOCK 109043109 106 2156 SH SHARED 2156 0 0
BRIGGS & STRATTON CORP COMMON STOCK 109043109 118 2400 SH OTHER 2400 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 11539 179952 SH SHARED 169982 0 9970
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 6905 107681 SH OTHER 96527 186 10968
BROWNING FERRIS INDS INC COMMON STOCK 115885105 84 2175 SH SHARED 2175 0 0
BROWNING FERRIS INDS INC COMMON STOCK 115885105 216 5600 SH OTHER 5300 0 300
BURLINGTON NORTHN SANTA FE COR COMMON STOCK 12189T104 368 11184 SH SHARED 9834 0 1350
BURLINGTON NORTHN SANTA FE COR COMMON STOCK 12189T104 118 3588 SH OTHER 3588 0 0
CAMPBELL SOUP CO COMMON STOCK 134429109 1221 30005 SH SHARED 30005 0 0
CAMPBELL SOUP CO COMMON STOCK 134429109 505 12400 SH OTHER 12250 0 150
CARDINAL HEALTH INC COMMON STOCK 14149Y108 680 10307 SH SHARED 10197 0 110
CARDINAL HEALTH INC COMMON STOCK 14149Y108 119 1808 SH OTHER 1607 25 176
CATERPILLAR INC COMMON STOCK 149123101 503 10953 SH SHARED 10953 0 0
CATERPILLAR INC COMMON STOCK 149123101 132 2870 SH OTHER 2870 0 0
CBS CORP COMMON STOCK 12490K107 165 4035 SH SHARED 3835 0 200
CBS CORP COMMON STOCK 12490K107 518 12697 SH OTHER 5077 720 6900
CENDANT CORP COMMON STOCK 151313103 412 25825 SH SHARED 25825 0 0
CENDANT CORP COMMON STOCK 151313103 29 1800 SH OTHER 1800 0 0
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 189 8061 SH SHARED 7669 0 392
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 315 13446 SH OTHER 12496 0 950
CFSB BANCORP INC COMMON STOCK 124927104 711 28425 SH SHARED 28425 0 0
CFSB BANCORP INC COMMON STOCK 124927104 130 5204 SH OTHER 5204 0 0
CHARTER ONE FINL INC COMMON STOCK 160903100 306 10616 SH OTHER 10616 0 0
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 4314 53014 SH SHARED 53014 0 0
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 833 10233 SH OTHER 10233 0 0
CHEMICAL FINL CORP COMMON STOCK 163731102 229 7152 SH SHARED 7152 0 0
CHEMICAL FINL CORP COMMON STOCK 163731102 2 68 SH OTHER 68 0 0
CHEVRON CORP COMMON STOCK 166751107 2848 32087 SH SHARED 31987 0 100
CHEVRON CORP COMMON STOCK 166751107 1063 11978 SH OTHER 11978 0 0
CIGNA CORP COMMON STOCK 125509109 586 6990 SH SHARED 6990 0 0
CIGNA CORP COMMON STOCK 125509109 161 1922 SH OTHER 1922 0 0
CINCINNATI BELL INC COMMON STOCK 171870108 120 5356 SH SHARED 5356 0 0
CINCINNATI BELL INC COMMON STOCK 171870108 113 5050 SH OTHER 5050 0 0
CISCO SYS INC COMMON STOCK 17275R102 7259 66252 SH SHARED 64985 0 1267
CISCO SYS INC COMMON STOCK 17275R102 1014 9257 SH OTHER 7807 0 1450
CITIGROUP INC COMMON STOCK 172967101 6655 104192 SH SHARED 103617 0 575
CITIGROUP INC COMMON STOCK 172967101 1418 22193 SH OTHER 21004 0 1189
CITIZENS BKG CORP MICH COMMON STOCK 174420109 277 7699 SH SHARED 7699 0 0
CITIZENS BKG CORP MICH COMMON STOCK 174420109 18 504 SH OTHER 504 0 0
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK 184502102 418 6230 SH SHARED 6230 0 0
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK 184502102 27 400 SH OTHER 400 0 0
CMS ENERGY CORP COMMON STOCK 125896100 314 7796 SH SHARED 7796 0 0
CMS ENERGY CORP COMMON STOCK 125896100 65 1609 SH OTHER 1355 0 254
CNB BANCSHARES INC COMMON STOCK 126126101 6 141 SH SHARED 141 0 0
CNB BANCSHARES INC COMMON STOCK 126126101 196 4858 SH OTHER 4858 0 0
COCA COLA CO COMMON STOCK 191216100 4965 80900 SH SHARED 76200 0 4700
COCA COLA CO COMMON STOCK 191216100 4607 75070 SH OTHER 73530 198 1342
COLGATE PALMOLIVE CO COMMON STOCK 194162103 4224 45912 SH SHARED 45912 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 1767 19211 SH OTHER 18814 160 237
COLUMBIA ENERGY GROUP COMMON STOCK 197648108 213 4081 SH SHARED 4081 0 0
COLUMBIA ENERGY GROUP COMMON STOCK 197648108 4 75 SH OTHER 75 0 0
COMCAST CORP COMMON STOCK 200300200 768 12205 SH SHARED 12205 0 0
COMERICA INC COMMON STOCK 200340107 1756 28130 SH SHARED 28130 0 0
COMERICA INC COMMON STOCK 200340107 796 12751 SH OTHER 12751 0 0
COMPAQ COMPUTER CORP COMMON STOCK 204493100 1920 60577 SH SHARED 59107 0 1470
COMPAQ COMPUTER CORP COMMON STOCK 204493100 452 14273 SH OTHER 11545 0 2728
COMPUTER ASSOC INTL INC COMMON STOCK 204912109 599 16833 SH SHARED 16833 0 0
COMPUTER ASSOC INTL INC COMMON STOCK 204912109 66 1861 SH OTHER 1661 100 100
COMPUTER SCIENCES CORP COMMON STOCK 205363104 216 3920 SH SHARED 3720 0 200
COMPUTER SCIENCES CORP COMMON STOCK 205363104 50 900 SH OTHER 200 0 700
CONAGRA INC COMMON STOCK 205887102 320 12504 SH SHARED 12504 0 0
CONAGRA INC COMMON STOCK 205887102 56 2200 SH OTHER 2200 0 0
CONSECO INC COMMON STOCK 208464107 193 6263 SH SHARED 5280 0 983
CONSECO INC COMMON STOCK 208464107 37 1191 SH OTHER 991 0 200
CONSOLIDATED EDISON INC COMMON STOCK 209115104 709 15650 SH SHARED 15250 0 400
CONSOLIDATED EDISON INC COMMON STOCK 209115104 477 10533 SH OTHER 9408 0 1125
CONSOLIDATED NAT GAS CO COMMON STOCK 209615103 275 5650 SH SHARED 5650 0 0
CONSOLIDATED NAT GAS CO COMMON STOCK 209615103 63 1300 SH OTHER 1300 0 0
CONSOLIDATED PAPERS INC COMMON STOCK 209759109 224 9552 SH SHARED 9552 0 0
CONSOLIDATED PAPERS INC COMMON STOCK 209759109 254 10800 SH OTHER 10800 0 0
CONVERGYS CORP COMMON STOCK 212485106 92 5356 SH SHARED 5356 0 0
CONVERGYS CORP COMMON STOCK 212485106 86 5050 SH OTHER 5050 0 0
COOPER INDS INC COMMON STOCK 216669101 1273 29875 SH SHARED 29875 0 0
COOPER INDS INC COMMON STOCK 216669101 1336 31348 SH OTHER 30948 400 0
CSX CORP COMMON STOCK 126408103 370 9509 SH SHARED 8909 0 600
CSX CORP COMMON STOCK 126408103 39 1000 SH OTHER 1000 0 0
CVS CORP COMMON STOCK 126650100 232 4876 SH SHARED 4232 0 644
CVS CORP COMMON STOCK 126650100 858 18056 SH OTHER 15206 0 2850
CYPRUS AMAX MINERALS CO COMMON STOCK 232809103 267 22024 SH SHARED 22024 0 0
CYPRUS AMAX MINERALS CO COMMON STOCK 232809103 10 817 SH OTHER 817 0 0
DAIMLERCHRYSLER AG COMMON STOCK D1668R123 298 3477 SH SHARED 2886 0 591
DAIMLERCHRYSLER AG COMMON STOCK D1668R123 337 3929 SH OTHER 3095 0 834
DANA CORP COMMON STOCK 235811106 339 8919 SH SHARED 8775 0 144
DANA CORP COMMON STOCK 235811106 136 3570 SH OTHER 3570 0 0
DAYTON HUDSON CORP COMMON STOCK 239753106 1838 27585 SH SHARED 27485 0 100
DAYTON HUDSON CORP COMMON STOCK 239753106 241 3610 SH OTHER 3610 0 0
DEERE & CO COMMON STOCK 244199105 398 10302 SH SHARED 10202 0 100
DEERE & CO COMMON STOCK 244199105 76 1967 SH OTHER 1917 0 50
DELL COMPUTER CORP COMMON STOCK 247025109 2116 51765 SH SHARED 51275 0 490
DELL COMPUTER CORP COMMON STOCK 247025109 302 7380 SH OTHER 5400 400 1580
DELTA AIR LINES INC DEL COMMON STOCK 247361108 521 7500 SH SHARED 7500 0 0
DELTA AIR LINES INC DEL COMMON STOCK 247361108 21 300 SH OTHER 100 0 200
DELUXE CORP COMMON STOCK 248019101 475 16300 SH OTHER 16200 0 100
DIEBOLD INC COMMON STOCK 253651103 469 19534 SH SHARED 19534 0 0
DIEBOLD INC COMMON STOCK 253651103 136 5674 SH OTHER 5674 0 0
DISNEY WALT CO COMMON STOCK 254687106 2823 90713 SH SHARED 90413 0 300
DISNEY WALT CO COMMON STOCK 254687106 651 20915 SH OTHER 16263 551 4101
DIVERSINET CORP COMMON STOCK 25536K204 14 5000 SH SHARED 5000 0 0
DIVERSINET CORP COMMON STOCK 25536K204 114 40000 SH OTHER 0 0 40000
DOMINION RES INC VA COMMON STOCK 257470104 370 10010 SH SHARED 10010 0 0
DOMINION RES INC VA COMMON STOCK 257470104 201 5439 SH OTHER 5439 0 0
DONNELLEY R R & SONS CO COMMON STOCK 257867101 60 1876 SH SHARED 1876 0 0
DONNELLEY R R & SONS CO COMMON STOCK 257867101 266 8264 SH OTHER 8264 0 0
DOW CHEM CO COMMON STOCK 260543103 1855 19906 SH SHARED 19441 0 465
DOW CHEM CO COMMON STOCK 260543103 1105 11862 SH OTHER 11577 0 285
DOW JONES & CO INC COMMON STOCK 260561105 205 4350 SH SHARED 4350 0 0
DOW JONES & CO INC COMMON STOCK 260561105 99 2100 SH OTHER 2100 0 0
DTE ENERGY CO COMMON STOCK 233331107 914 23766 SH SHARED 22666 0 1100
DTE ENERGY CO COMMON STOCK 233331107 123 3200 SH OTHER 3200 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 3012 51868 SH SHARED 48948 0 2920
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 2577 44378 SH OTHER 36578 0 7800
DUKE ENERGY CO COMMON STOCK 264399106 1167 21286 SH SHARED 21086 0 200
DUKE ENERGY CO COMMON STOCK 264399106 324 5906 SH OTHER 5306 0 600
DUN & BRADSTREET CORP DEL COMMON STOCK 26483B106 109 3050 SH SHARED 2950 0 100
DUN & BRADSTREET CORP DEL COMMON STOCK 26483B106 147 4130 SH OTHER 4090 0 40
E M C CORP MASS COMMON STOCK 268648102 3960 30995 SH SHARED 30695 0 300
E M C CORP MASS COMMON STOCK 268648102 291 2275 SH OTHER 2275 0 0
EASTMAN KODAK CO COMMON STOCK 277461109 813 12733 SH SHARED 12733 0 0
EASTMAN KODAK CO COMMON STOCK 277461109 267 4187 SH OTHER 4067 0 120
EDISON INTL COMMON STOCK 281020107 206 9248 SH SHARED 7248 0 2000
EDISON INTL COMMON STOCK 281020107 149 6684 SH OTHER 6684 0 0
ELECTRONIC DATA SYS CORP NEW COMMON STOCK 285661104 192 3952 SH SHARED 3856 0 96
ELECTRONIC DATA SYS CORP NEW COMMON STOCK 285661104 61 1263 SH OTHER 831 0 432
EMERSON ELEC CO COMMON STOCK 291011104 1409 26612 SH SHARED 24812 0 1800
EMERSON ELEC CO COMMON STOCK 291011104 349 6600 SH OTHER 6600 0 0
ENRON CORP COMMON STOCK 293561106 682 10618 SH SHARED 9242 0 1376
ENRON CORP COMMON STOCK 293561106 350 5455 SH OTHER 5157 0 298
ENTERGY CORP NEW COMMON STOCK 29364G103 376 13680 SH SHARED 13680 0 0
ENTERGY CORP NEW COMMON STOCK 29364G103 7 253 SH OTHER 253 0 0
EQUIFAX INC COMMON STOCK 294429105 481 14000 SH SHARED 14000 0 0
EQUIFAX INC COMMON STOCK 294429105 619 18000 SH OTHER 18000 0 0
EXXON CORP COMMON STOCK 302290101 13723 194482 SH SHARED 179967 0 14515
EXXON CORP COMMON STOCK 302290101 8562 121335 SH OTHER 114735 0 6600
FDX CORP COMMON STOCK 31304N107 412 4430 SH SHARED 4430 0 0
FDX CORP COMMON STOCK 31304N107 37 400 SH OTHER 400 0 0
FEDERAL HOME LN MTG CORP COM COMMON STOCK 313400301 832 14525 SH SHARED 14525 0 0
FEDERAL NATL MTG ASSN COM COMMON STOCK 313586109 3906 56403 SH SHARED 55328 0 1075
FEDERAL NATL MTG ASSN COM COMMON STOCK 313586109 255 3676 SH OTHER 3475 0 201
FIFTH THIRD BANCORP COMMON STOCK 316773100 358 5425 SH SHARED 5425 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 2881 43688 SH OTHER 43688 0 0
FIRST DATA CORP COMMON STOCK 319963104 463 10832 SH SHARED 10732 0 100
FIRST DATA CORP COMMON STOCK 319963104 165 3850 SH OTHER 3850 0 0
FIRST ENERGYCORP COMMON STOCK 337932107 358 12785 SH SHARED 12680 0 105
FIRST ENERGYCORP COMMON STOCK 337932107 114 4084 SH OTHER 3584 0 500
FIRST UN CORP COMMON STOCK 337358105 2916 54572 SH SHARED 54572 0 0
FIRST UN CORP COMMON STOCK 337358105 556 10400 SH OTHER 10400 0 0
FIRSTAR CORP NEW WIS COMMON STOCK 33763V109 6501 72641 SH SHARED 72641 0 0
FIRSTAR CORP NEW WIS COMMON STOCK 33763V109 3472 38788 SH OTHER 38788 0 0
FLEET FINL GROUP INC NEW COMMON STOCK 338915101 469 12453 SH SHARED 12453 0 0
FLEET FINL GROUP INC NEW COMMON STOCK 338915101 190 5056 SH OTHER 5056 0 0
FLORIDA PROGRESS CORP COMMON STOCK 341109106 155 4102 SH SHARED 4102 0 0
FLORIDA PROGRESS CORP COMMON STOCK 341109106 97 2575 SH OTHER 2475 0 100
FLOWSERVE CORP COMMON STOCK 34354P105 196 12563 SH OTHER 12563 0 0
FORD MTR CO DEL COMMON STOCK 345370100 6518 114983 SH SHARED 114883 0 100
FORD MTR CO DEL COMMON STOCK 345370100 1373 24222 SH OTHER 23322 0 900
FORT JAMES CORP COMMON STOCK 347471104 257 8105 SH SHARED 8105 0 0
FORTUNE BRANDS INC COMMON STOCK 349631101 146 3793 SH SHARED 3793 0 0
FORTUNE BRANDS INC COMMON STOCK 349631101 382 9929 SH OTHER 9929 0 0
FPL GROUP INC COMMON STOCK 302571104 917 17221 SH SHARED 17221 0 0
FPL GROUP INC COMMON STOCK 302571104 449 8432 SH OTHER 8162 170 100
GANNETT INC COMMON STOCK 364730101 1217 19315 SH SHARED 19315 0 0
GANNETT INC COMMON STOCK 364730101 844 13392 SH OTHER 11672 0 1720
GAP INC COMMON STOCK 364760108 1042 15475 SH SHARED 15475 0 0
GAP INC COMMON STOCK 364760108 444 6600 SH OTHER 6600 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 84 1300 SH SHARED 1300 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 167 2600 SH OTHER 600 2000 0
GENERAL ELEC CO COMMON STOCK 369604103 27956 252713 SH SHARED 239717 0 12996
GENERAL ELEC CO COMMON STOCK 369604103 29943 270669 SH OTHER 259443 100 11126
GENERAL MLS INC COMMON STOCK 370334104 1130 14958 SH SHARED 14258 0 700
GENERAL MLS INC COMMON STOCK 370334104 305 4035 SH OTHER 4035 0 0
GENERAL MTRS CORP COMMON STOCK 370442105 4394 50508 SH SHARED 50171 0 337
GENERAL MTRS CORP COMMON STOCK 370442105 1072 12327 SH OTHER 10942 0 1385
GENTEX CORP COMMON STOCK 371901109 308 14280 SH SHARED 13820 0 460
GENTEX CORP COMMON STOCK 371901109 14 664 SH OTHER 664 0 0
GENUINE PARTS CO COMMON STOCK 372460105 419 14558 SH SHARED 14558 0 0
GENUINE PARTS CO COMMON STOCK 372460105 340 11794 SH OTHER 11449 345 0
GILLETTE CO COMMON STOCK 375766102 2968 49929 SH SHARED 49689 0 240
GILLETTE CO COMMON STOCK 375766102 835 14051 SH OTHER 12838 200 1013
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WACHOVIA CORP NEW COMMON STOCK 929771103 24 300 SH OTHER 300 0 0
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WAL MART STORES INC COMMON STOCK 931142103 1414 15340 SH OTHER 15240 0 100
WALBRO CORP COMMON STOCK 931154108 1865 207230 SH OTHER 207230 0 0
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WALGREEN CO COMMON STOCK 931422109 4083 144531 SH OTHER 140189 1042 3300
WARNER LAMBERT CO COMMON STOCK 934488107 4970 75025 SH SHARED 75025 0 0
WARNER LAMBERT CO COMMON STOCK 934488107 1351 20390 SH OTHER 19990 100 300
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WASHINGTON MUT INC COMMON STOCK 939322103 80 1951 SH OTHER 1951 0 0
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WASTE MGMT INC DEL COMMON STOCK 94106L109 35 795 SH OTHER 250 0 545
WELLS FARGO COMPANY COMMON STOCK 949746101 1374 39182 SH SHARED 38882 0 300
WELLS FARGO COMPANY COMMON STOCK 949746101 107 3041 SH OTHER 2716 0 325
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WHIRLPOOL CORP COMMON STOCK 963320106 422 7759 SH OTHER 7759 0 0
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WILLIAMS COS INC COMMON STOCK 969457100 127 3212 SH OTHER 3212 0 0
WISCONSIN ENERGY CORP COMMON STOCK 976657106 189 7241 SH SHARED 7241 0 0
WISCONSIN ENERGY CORP COMMON STOCK 976657106 82 3150 SH OTHER 3000 0 150
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WOLVERINE WORLD WIDE INC COMMON STOCK 978097103 25 2663 SH OTHER 1863 0 800
XEROX CORP COMMON STOCK 984121103 1498 28730 SH SHARED 27950 0 780
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3COM CORP COMMON STOCK 885535104 208 8910 SH SHARED 8910 0 0
3COM CORP COMMON STOCK 885535104 2 100 SH OTHER 100 0 0
4 KIDS ENTMT INC COMMON STOCK 350865101 379 13250 SH SHARED 13250 0 0
AEGON N V COMMON STOCK 007924103 1497 16658 SH OTHER 3898 0 12760
BARRICK GOLD CORP COMMON STOCK 067901108 264 15450 SH SHARED 15450 0 0
GALLAHER GROUP PLC COMMON STOCK 363595109 57 2426 SH SHARED 2426 0 0
GALLAHER GROUP PLC COMMON STOCK 363595109 158 6717 SH OTHER 6717 0 0
NOGA ELECTRO-MECHANICAL INDSOR COMMON STOCK M75135109 7 10000 SH OTHER 0 0 10000
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SMITHKLINE BEECHAM PLC ADR COMMON STOCK 832378301 138 1928 SH SHARED 1928 0 0
SMITHKLINE BEECHAM PLC ADR COMMON STOCK 832378301 145 2024 SH OTHER 2024 0 0
A MUNIYIELD MICH FD INC A COM OTHER 626300107 125 7888 SH SHARED N.A. N.A. N.A.
A MUNIYIELD MICH FD INC A COM OTHER 626300107 70 4380 SH OTHER N.A. N.A. N.A.
KEMPER MUN INCOME TR COM SH BE OTHER 48842C104 131 10200 SH SHARED N.A. N.A. N.A.
KEMPER MUN INCOME TR COM SH BE OTHER 48842C104 87 6825 SH OTHER N.A. N.A. N.A.
MFS MUN INCOME TR SH BEN INT OTHER 552738106 86 10000 SH OTHER N.A. N.A. N.A.
MORGAN STANLEY DEAN WITTER OTHER 61745P734 149 9650 SH SHARED N.A. N.A. N.A.
MORGAN STANLEY DEAN WITTER OTHER 61745P734 55 3535 SH OTHER N.A. N.A. N.A.
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MUNIYIELD INSURED FUND INC OTHER 62630E107 155 10181 SH OTHER N.A. N.A. N.A.
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NUVEEN INSD MUN OPPORTUNITY FD OTHER 670984103 168 10179 SH OTHER N.A. N.A. N.A.
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NUVEEN MICH QUALITY INCOME MUN OTHER 670979103 225 13451 SH OTHER N.A. N.A. N.A.
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NUVEEN MUN MKT OPPORTUNITY FUN OTHER 67062W103 109 6622 SH OTHER N.A. N.A. N.A.
NUVEEN MUN VALUE FD OTHER 670928100 78 7884 SH SHARED N.A. N.A. N.A.
NUVEEN MUN VALUE FD OTHER 670928100 151 15310 SH OTHER N.A. N.A. N.A.
</TABLE>
