<PAGE> 1
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
INFORMATION REQUIRED OF INSTITUTIONAL INVESTMENT MANAGERS PURSUANT TO SECTION
13(f) OF THE SECURITIES EXCHANGE ACT OF 1934 AND RULES THEREUNDER
SECURITY NATIONAL BANK 28-6576
- ---------------------------------------- -------------------------------
Name of Institutional Investment Manager 13F File Number
40 S. LIMESTONE ST., SPRINGFIELD, OHIO 45502
- --------------------------------------------------------------------------------
Business Address: (Street, City, State and Zip Code)
Report for the Calendar Year or Quarter Ended: SEPTEMBER 1999
----------------------------------
If amended report check here:
---------
ATTENTION - Intentional misstatements or omissions of facts are Federal Criminal
Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
I represent that I am authorized to submit this Form and that all information in
this Form and the attachments to it is true, correct and complete, and I
understand that all required items, statements and schedules are integral parts
of this Form and that the submission of any amendment represents that all
unamended items, statements and schedules remain true, correct and complete as
previously submitted.
I am signing this report as required by Securities Exchange Act of 1934.
TERRI L. WYATT, TRUST OPERATIONS OFFICER 937 324-6946
- --------------------------------------------------------------------------------
Name, Title and Phone No. of Person Submitting this Report
/s/ Terri L. Wyatt
- --------------------------------------------------------------------------------
Manual Signature of Person Submitting this Report
SPRINGFIELD, OHIO OCTOBER 6, 1999
- ---------------------------------------- -------------------------------
Place Signed (City and State) Date Signed
<PAGE> 2
Form 13F Summary Page
Security National Bank Report Summary for period ending: 9/10/1999
Number of Other Institutional Managers: n/a
Form 13F Information Table Entry Total: 180
Form 13F Information Table Value Total: 136,756
List of Other Included Manager: n/a
<PAGE> 3
<TABLE>
<CAPTION>
REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 09/30/99 PAGE 1
- - - - - - - - ITEM 1 AND 2 - - - - - - - ITEM 3 - - ITEM 4 - - ITEM 5 - - - ITEM 6 - - ITEM 7 - - - - - - ITEM 8 - - - - - - -
INVESTMENT
MARKET SHARES DISCRETION VOTING AUTHORITY
VALUE OR SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (THOUSANDS) PRINCIPAL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
AMERICAN KIDNEY STONE MGMT LTD AMKID0006 532 4,436 X 4,436
DAIMLERCHRYSLER AG (DCX) (FORMERLY D1668R123 204 2,939 X 2,939
CHRYSLER) ORG
SULLIVAN AND CO 3RD PROGRAM I, LLC SULLIVAN7 343 343,000 X 343,000
THORNHILL LIMITED PARTNERSHIP THORN00l0 250 378 X 378
(CERTIFICATE OF ASSIGNMENT
AT & T CORP (T) 001957109 1,817 41,778 X 41,403 375
AT & T CORP (T) 001957109 126 2,893 X X 2,368 525
ABBOTT LABORATORIES (ABT) 002824100 906 24,695 X 24,695
ABBOTT LABORATORIES (ABT) 002824100 15 400 X X 400
AIR PRODUCTS & CHEMICALS INC (APD) 009158106 256 8,750 X 8,750
AIR PRODUCTS & CHEMICALS INC (APD) 009158106 10 350 X X 350
ALBERTSON'S INC (ABS) 013104104 599 15,138 X 14,886 252
AMERICAN ELECTRIC POWER CO (AEP) 025537101 524 15,364 X 15,364
AMERICAN ELECTRIC POWER CO (AEP) 025537101 7 200 X X 200
AMERICAN EXPRESS CO (AXP) 025816109 578 4,282 X 4,282
AMERICAN HOME PRODUCTS CORP (AHP) 026609107 775 18,675 X 18,675
AMERICAN INTL GRP (AIG) 026874107 420 4,827 X 4,827
AMERICAN STD COS INC DEL (ASD) 029712106 284 7,350 X 7,350
AMERITECH CORP (AIT) 030954101 994 14,884 X 14,884
AMERITECH CORP (AIT) 030954101 96 1,440 X X 240 1,200
BP AMOCO P L C (BPA)(FORMERLY AMOCO) 055622104 1,594 14,387 X 14,387
ADR SPONSORED
BP AMOCO P L C (BPA)(FORMERLY 055622104 54 484 X X 484
AMOCO) ADR SPONSORED
BANK OF AMER CORP (BAC) (FORMERLY 060505104 293 5,254 X 5,017 237
BANKAMERICA CORP NEW)
BANK ONE CORP (ONE) (FORMERLY FIRST
CHICAGO & BANC ONE) 06423A103 1,167 33,521 X 33,521
BANK ONE CORP (ONE) (FORMERLY FIRST 06423A103 4 118 X X 118
CHICAGO & BANC ONE)
BARCLAYS BANK PLC CONV PFD 8% SER E 06738C836 343 13,735 X 13,735
(BCB P)
-------
COLUMN TOTALS 12,191
</TABLE>
<PAGE> 4
<TABLE>
<CAPTION>
REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 09/30/99 PAGE 2
- - - - - - - ITEM 1 AND 2 - - - - - - - - - - - - ITEM 3 - - - ITEM 4 - - - ITEM 5 - - ITEM 6 - - - ITEM 7 - - - - ITEM 8 - - - - - -
INVESTMENT
MARKET SHARES DISCRETION VOTING AUTHORITY
VALUE OR SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (THOUSANDS) PRINCIPAL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
BARCLAYS BANK PLC CONV PFD 8% SER E 06738C836 26 1,050 X X 1,050
(BCB P)
BAXTER INTERNATIONAL INC (BAX) 071813109 402 6,675 X 6,675
BELL ATLANTIC CORP (BEL) 077853109 770 11,444 X 11,444
BELL ATLANTIC CORP (BEL) 077853109 178 2,649 X X 1,035 1,614
BELLSOUTH CORP (BLS) 079860102 2,472 54,932 X 54,632 300
BELLSOUTH CORP (BLS) 079860102 156 3,460 X X 2,160 1,300
BESTFOODS (BFO) 08658U101 307 6,325 X 6,325
BIOMET, INC (BMET) 090613100 1,383 52,577 X 52,577
BOEING CO (BA) 097023105 329 7,725 X 7,725
BOEING CO (BA) 097023105 9 200 X X 200
BRISTOL-MYERS SQUIBB CO (BMY) 110122108 1,433 21,230 X 20,430 800
BRISTOL-MYERS SQUIBB CO (BMY) 110122108 76 1,132 X X 932 200
CSX CORP (CSX) 126408103 203 4,800 X 4,800
CSX CORP (CSX) 126408103 4 100 X X 100
CARNIVAL CORP (CCL) 143658102 580 13,325 X 12,925 400
CATERPILLAR INC (CAT) 149123101 455 8,300 X 8,300
CHEVRON CORP (CHV) 166751107 758 8,543 X 8,543
CHEVRON CORP (CHV) 166751107 13 150 X X 150
CINCINNATI FINANCIAL CORP (CINF) 172062101 4,426 117,941 X 117,281 660
CINERGY CORP (CIN) 172474108 643 22,724 X 22,724
CINERGY CORP (CIN) 172474108 37 1,300 X X 1,300
CISCO SYSTEMS INC (CSCO) 17275R102 651 9,498 X 8,998 500
COCA-COLA CORP (KO) 191216100 698 14,475 X 14,200 275
COCA-COLA CORP (KO) 191216100 58 1,200 X X 1,200
COLGATE-PALMOLIVE COMPANY (CL) 194162103 878 19,202 X 18,902 300
----------
COLUMN TOTALS 16,945
</TABLE>
<PAGE> 5
<TABLE>
<CAPTION>
REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 09/30/99 PAGE 3
- - - - - - - - ITEM 1 AND 2 - - - - - - ITEM 3 - - - ITEM 4 - - -ITEM 5 - - - ITEM 6 - - - ITEM 7 - - - - - - ITEM 8 - - - - - - -
INVESTMENT
MARKET SHARES DISCRETION VOTING AUTHORITY
VALUE OR SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (THOUSANDS) PRINCIPAL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
COMERICA INC (CMA) 200340107 238 4,700 X 4,700
COMPAQ COMPUTER CORP (CPQ) 204493100 387 16,900 X 15,900 1,000
CONVERGYS CORP 212485106 178 9,000 X 9,000
COM
CONVERGYS CORP 212485106 79 4,000 X X 2,000 2,000
COM
D P L INC COMMON (DPL) 233293109 351 19,941 X 19,941
D P L INC COMMON (DPL) 233293109 7 375 X X 375
DISNEY (WALT) CO. (DIS) 254687106 317 12,200 X 12,200
DISNEY (WALT) CO. (DIS) 254687106 37 1,425 X X 900 525
DOMINION RESOURCES, INC (D) 257470104 334 7,400 X 7,400
DOMINION RESOURCES, INC (D) 257470104 14 300 X X 300
DOW CHEMICAL CO (DOW) 260543103 244 2,150 X 2,150
E I DUPONT DE NEMOURS & CO (DD) 263534109 594 9,812 X 9,812
E I DUPONT DE NEMOURS & CO (DD) 263534109 251 4,150 X X 1,350 2,800
DUKE ENERGY CO (DUK) 264399106 515 9,350 X 9,150 200
(FORMERLY DUKE POWER)
DUKE RLTY INVTS INC NEW (DRE) 264411505 241 12,382 X 12,382
DUKE RLTY INVTS INC NEW (DRE) 264411505 10 500 X X 500
EMERSON ELECTRIC CO (EMR) 291011104 797 12,614 X 12,614
ENRON CORP (ENE) 293561106 461 11,236 X 11,236
EXXON CORP (XON) 302290101 2,794 36,766 X 36,246 520
EXXON CORP (XON) 302290101 375 4,934 X X 4,734 200
FPL GROUP INC (FPL) 302571104 331 6,575 X 6,575
FEDERAL NATIONAL MORTGAGE ASSO (FNM) 313586109 755 12,045 X 11,670 375
FEDERATED HIGH YIELD TR FD (38) 314197104 61 7,270 X 7,270
FEDERATED HIGH YIELD TR FD (38) 314197104 28 3,379 X X 3,379
FEDERATED INSTL SHRT-DUR GVT BD(626) 31420B102 275 138,992 X 138,992
-------
COLUMN TOTALS 9,674
</TABLE>
<PAGE> 6
<TABLE>
<CAPTION>
REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 09/30/99 PAGE 4
- - - - - - - - ITEM 1 AND 2 - - - - - - ITEM 3 - - - ITEM 4 - - -ITEM 5 - - - ITEM 6 - - - ITEM 7 - - - - - - ITEM 8 - - - - - - -
INVESTMENT
MARKET SHARES DISCRETION VOTING AUTHORITY
VALUE OR SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (THOUSANDS) PRINCIPAL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
FEDERATED INSTL SHRT-DUR GVT BD(626) 31420B102 310 156,492 X X 156,492
FIDELITY ADVISOR INTERM BND FD (87) 315809103 35 3,419 X 3,419
FIDELITY ADVISOR INTERM BND FD (87) 315809103 147 13,630 X X 660 12,970
FIDELITY INTERMEDIATE BOND FUND(32) 315912105 487 49,294 X X 40,445 8,849
FIFTH THIRD BANCORP (FITB) 316773100 1,506 24,756 X 24,756
FIFTH THIRD BANCORP (FITB) 316773100 7 109 X X 109
FIRST TR GNMA FD UN SER GNMA SER 47 337335566 1 10,000 X 10,000
FIRST UNION CORP (FTU) 337358105 544 15,275 X 14,975 300
FIRST UNION CORP (FTU) 337358105 10 275 X X 275
FORD MOTOR COMPANY (F) 345370100 735 14,623 X 14,623
FORD MOTOR COMPANY (F) 345370100 10 200 X X 200
GTE CORP (GTE) 362320103 700 9,110 X 9,110
GTE CORP (GTE) 362320103 8 100 X X 100
GENERAL ELECTRIC CO (GE) 369604103 4,217 35,568 X 34,068 300 1,200
GENERAL ELECTRIC CO (GE) 369604103 152 1,286 X X 936 350
GENERAL MOTORS CORP (GM) 370442105 258 4,097 X 4,007 90
GENERAL MOTORS CORP (GM) 370442105 17 266 X X 266
HEWLETT-PACKARD CO (HWP) 428236103 1,100 12,125 X 11,925 200
HEWLETT-PACKARD CO (HWP) 428236103 23 250 X X 250
HIGHWOOD PPTYS INC (HIW) 431284108 733 28,325 X 28,325
HIGHWOOD PPTYS INC (HIW) 431284108 10 400 X X 400
HOME DEPOT INC (HD) 437076102 1,221 17,798 X 17,798
HUNTINGTON BANCSHARES INC (HBAN) 446150104 5,772 217,288 X 217,288
A X P OHIO TAX EXEMPT FUND 44947T704 112 21,628 X 21,628
A X P TAX EXEMPT FUND 449482108 43 11,040 X 11,040
--------
COLUMN TOTALS 18,152
</TABLE>
<PAGE> 7
<TABLE>
<CAPTION>
REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 09/30/99 PAGE 5
- - - - - - - - ITEM 1 AND 2 - - - - - - ITEM 3 - - - ITEM 4 - - -ITEM 5 - - - ITEM 6 - - - ITEM 7 - - - - - - ITEM 8 - - - - - - -
INVESTMENT
MARKET SHARES DISCRETION VOTING AUTHORITY
VALUE OR SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (THOUSANDS) PRINCIPAL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
ILLINOIS TOOL WKS INC (ITW) 452308109 373 5,000 X 5,000
INTEL CORP (INTC) 458140100 465 6,260 X 6,260
INTERNATIONAL BUSINESS MACHINES(IBM) 459200101 1,283 10,604 X 10,604
CORP
INTERNATIONAL PAPER COMPANY (IP) 460146103 338 7,042 X 7,042
JOHNSON & JOHNSON CO (JNJ) 478160104 1,842 20,050 X 20,050
JOHNSON & JOHNSON CO (JNJ) 478160104 67 728 X X 728
KIMBERLY-CLARK CORP (KMB) 494368103 448 8,200 X 8,500
KROGER CO (KR) 501044101 471 21,350 X 20,550 800
LILLY ELI & CO (LLY) 532457108 572 8,915 X 8,915
LUCENT TECHNOLOGIES INC (LU) 549463107 1,442 22,224 X 22,224
LUCENT TECHNOLOGIES INC (LU) 549463107 167 2,576 X X 2,084 492
MBNA CORP (KRB) 55262L100 432 18,937 X 18,937
MCI WORLDCOM INC (WCOM) 55268B106 800 11,131 X 11,006 125
MCDONALD'S CORP (MCD) 580135101 723 16,725 X 16,725
MCDONALD'S CORP (MCD) 580135101 17 400 X X 400
MEDIAONE GROUP INC (UMG) 58440J104 200 2,933 X 2,933
MEDIAONE GROUP INC (UMG) 58440J104 33 480 X X 480
MERCK & CO INC (MRK) 589331107 1,705 26,302 X 26,102 200
MERCK & CO INC (MRK) 589331107 39 600 X X 600
MERRILL L LYNCH & CO INC COM (MER) 590188108 364 5,400 X 5,400
MICROSOFT CORP (MSFT) 594918104 1,840 20,315 X 20,115 200
MICROSOFT CORP (MSFT) 594918104 72 800 X X 800
MINNESOTA MINING & MFG (MMM) 604059105 925 9,625 X 9,625
MINNESOTA MINING & MFG (MMM) 604059105 106 1,100 X X 1,000 100
MOBIL CORP (MOB) 607059102 1,110 11,016 X 10,183 833
--------
COLUMN TOTALS 15,834
</TABLE>
<PAGE> 8
<TABLE>
<CAPTION>
REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 09/30/99 PAGE 6
- - - - - - - - ITEM 1 AND 2 - - - - - - ITEM 3 - - - ITEM 4 - - -ITEM 5 - - - ITEM 6 - - - ITEM 7 - - - - - - ITEM 8 - - - - - - -
INVESTMENT
MARKET SHARES DISCRETION VOTING AUTHORITY
VALUE OR SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (THOUSANDS) PRINCIPAL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
FEDERATED AUTOMATED CASH MGMT (75) 60934N864 395 395,231 X X 395,231
MONSANTO CO (NTC) 611662107 513 14,375 X 14,050 325
MORGAN STANLY DEAN WITTER & CO (MWD) 617446448 268 3,000 X 3,000
NASDAQ 100 TR UNIT SER 1 631100104 1,694 14,075 X 13,825 250
NORFOLK SOUTHERN CORP (NSC) 655844108 283 11,675 X 11,675
NORFOLK SOUTHERN CORP (NSC) 655844108 15 600 X X 600
OFFICEMAX INC (OMX) 67622M108 94 16,100 X 16,100
ORACLE CORP (ORCL) 68389X105 305 6,700 X 6,700
PENNEY, J C CO INC (JCP) 708160106 335 9,700 X 9,700
PENNEY, J C CO INC (JCP) 708160106 14 400 X X 400
PEOPLES SAVINGS BANK OF TROY 712289107 200 25,968 X X 25,968
PEPSICO INC (PEP) 713448108 506 16,600 X 16,600
PEPSICO INC (PEP) 713448108 37 1,200 X X 1,200
PFIZER INC (PFE) 717081103 1,202 33,504 X 33,504
PROCTER & GAMBLE CO (PG) 742718109 2,316 24,699 X 24,699
PROCTER & GAMBLE CO (PG) 742718109 164 1,750 X X 1,300 450
PNC TEMP (24) 743884579 896 895,996 X 895,996
PNC TEMP (24) 743884579 1,410 1,410,135 X X 1,410,135
QUALCOMM INC (QCOM) 747525103 322 1,700 X 1,700
QWEST COMMUNICATIONS INTL INC (QWST) 749121109 226 7,650 X 7,350 300
SBC COMMUNICATIONS (SBC) 78387G103 1,064 20,846 X 20,546 300
SBC COMMUNICATIONS (SBC) 78387G103 185 3,632 X X 2,686 946
SCANA CORP 805898103 587 24,275 X 23,025 850
FORMERLY: SO CAROLINA ELECTRIC & GAS
SCANA CORP 805898103 22 900 X X 900
FORMERLY: SO CAROLINA ELECTRIC & GAS
SCHERING-PLOUGH CORP (SGP) 806605101 459 10,525 X 10,325 200
--------
COLUMN TOTALS 18,034
</TABLE>
<PAGE> 9
<TABLE>
<CAPTION>
REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 09/30/99 PAGE 7
- -------------- ITEM 1 AND 2------------ITEM 3--------ITEM 4---------ITEM 5--------ITEM 6--------ITEM 7---------------ITEM 8---------
INVESTMENT
MARKET SHARES DISCRETION VOTING AUTHORITY
VALUE OR SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (THOUSANDS) PRINCIPAL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
SCHLUMBERGER LTD (SLB) 806857108 307 4,920 X 4,645 275
SECURITY BANC CORPORATION (STYB) 813767100 26,808 992,887 X 957,592 35,295
SECURITY BANC CORPORATION (STYB) 813767100 14,445 534,988 X X 519,948 15,040
SMITHKLINE BCHM PLC ADR 5A ORD (SBH) 832378301 657 11,400 X 11,400
SOUTHERN CO (SO) 842587107 666 25,852 X 25,852
SOUTHERN CO (SO) 842587107 14 550 X X 550
SOUTHWEST AIRLINES (LUV) 844741108 247 16,242 X 16,242
SPRINT (FRMLY UNITED TELECOM) (FON) 852061100 438 8,068 X 8,068
SUN MICROSYSTEMS (SUNW) 866810104 488 5,250 X 5,250
TEXACO INC (TX) 881694103 772 12,223 X 11,923 300
TEXACO INC (TX) 881694103 73 1,160 X X 960 200
TRICON GLOBAL RESTAURANTS (YUM) 895953107 324 7,925 X 7,925
TRICON GLOBAL RESTAURANTS (YUM) 895953107 16 400 X X 400
TRIBUNE CO NEW COM (TRB) 896047107 547 11,000 X 11,000
USX MARATHON GROUP (MRO) 902905827 345 11,800 X 11,800
(FORMERLY USX CORP)
USX MARATHON GROUP (MRO) 902905827 19 650 X X 650
(FORMERLY USX CORP)
UNION PACIFIC CORP (UNP) 907818108 266 5,530 X 5,180 350
VANGUARD SHORT-TERM FEDERAL FD (49) 922031604 25 2,518 X 2,518
VANGUARD SHORT-TERM FEDERAL FD (49) 922031604 837 83,874 X X 83,874
VODOFONE AIRTOUCH PLC (VOD) 92857T107 344 1,446 X 1,446
ADR SPONSORED
VODOFONE AIRTOUCH PLC (VOD) 92857T107 24 100 X X 100
ADR SPONSORED
WAL-MART STORES INC (WMT) 931142103 716 15,050 X 15,050
WAL-MART STORES INC (WMT) 931142103 29 600 X X 600
WARNER LAMBERT CO (WLA) 934488107 526 7,925 X 7,650 275
WATSON PHARMACEUTICALS INC (WPI) 942683103 225 7,375 X 6,875 500
----------
COLUMN TOTALS 49,158
</TABLE>
<PAGE> 10
<TABLE>
<CAPTION>
REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 09/30/99 PAGE 8
- -------------- ITEM 1 AND 2------------ITEM 3--------ITEM 4---------ITEM 5--------ITEM 6--------ITEM 7-----------ITEM 8-----
INVESTMENT
MARKET SHARES DISCRETION VOTING AUTHORITY
VALUE OR SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (THOUSANDS) PRINCIPAL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
WELLS FARGO & CO NEW (WFC) 949746101 216 5,450 X 5,450
(FORMERLY NORWEST)
WESTERN OHIO FINANCIAL CORP (WOFC) 959024100 98 5,621 X 5,621
WESTERN OHIO FINANCIAL CORP (WOFC) 959024100 315 18,000 X X 18,000
THE WILLIAMS COMPANIES, INC (WMB) 969457100 358 9,525 X 9,525
XEROX CORP (XRX) 984121103 300 7,150 X 6,850 300
------------
COLUMN TOTALS 1,287
FINAL TOTALS 136,756
</TABLE>
