SECURITY BANC CORP
13F-HR, 1999-04-08
STATE COMMERCIAL BANKS
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<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:       MARCH 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                                      APRIL 6, 1999
- ----------------------------------------         -------------------------------
Place Signed (City and State)                    Date Signed


<PAGE>   2
<TABLE>
<CAPTION>
REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F          03/31/99      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       441      5,135     X                       5,135
    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     1,973     24,725     X                      24,475                250

AT & T CORP (T)                         001957109       162      2,030         X   X               1,680       150      200

ABBOTT LABORATORIES (ABT)               002824100     1,241     26,500     X                      26,500

ABBOTT LABORATORIES (ABT)               002824100        19        400         X   X                           400

AIR PRODUCTS & CHEMICALS INC (APD)      009158106       372     10,850     X                      10,850

AIR PRODUCTS & CHEMICALS INC (APD)      009158106        12        350         X   X                           350

AIRTOUCH COMMUNICATIONS (ATI)           00949T100       280      2,893     X                       2,893

AIRTOUCH COMMUNICATIONS (ATI)           00949T100        19        200         X   X                 200

ALBERTSON'S INC (ABS)                   013104104       333      6,125     X                       6,125

AMERICAN ELECTRIC POWER CO (AEP)        025537101       280      7,064     X                       7,064

AMERICAN ELECTRIC POWER CO (ALP)        025537101         8        200         X   X                 200

AMERICAN EMPRESS CO (AXP)               025816109       810      6,882     X                       6,882

AMERICAN HOME PRODUCTS CORP (AHP)       026609107     1,204     18,450     X                      18,450

AMERICAN INTL GRP (AIG)                 026874107       430      3,562     X                       3,562

AMERICAN STD COS INC DEL (ASD)          029712106       249      7,250     X                       7,250

AMERICAN STORES CO NEW (ASC)            030096101       450     13,625     X                      13,225                400

AMERITECH CORP (AIT)                    030954101       784     13,600     X                      13,600

AMERITECH CORP (AIT)                    030954101       386      6,696         X   X               5,496     1,200

ASCEND COMMUNICATIONS INC (ASND)        043491109       462      5,525     X                       5,325                200

BP AMOCO P L C (BPA)(FORMERLY AMOCO)    055622104     1,500     14,851     X                      14,851
    ADR SPONSORED
BP AMOCO P L C (BPA)(FORMERLY           055622104        49        484         X   X                 484
    AMOCO) ADR SPONSORED

                                                    -------
            COLUMN TOTALS                            12,589
</TABLE>

<PAGE>   3

<TABLE>
<CAPTION>
REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 03/31/99                 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>
BP PRUDHOE BAY RLTY TR (BPT)                    055630107         230     25,750    X                      25,750

BP PRUDHOE BAY RLTY TR (BPT)                    055630107           6        700        X   X                 700

BANK ONE CORP (ONE) (FORMERLY FIRST CHICAGO     06423A103       1,907     34,626    X                      34,626
     & BANC ONE)
BANK ONE CORP (ONE) (FORMERLY FIRST             064236103          16        294        X   X                 294
     CHICAGO & RANC ONE)
BANKAMERICA CORP NEW (BAC) (FORMERLY            06605F102         371      5,254    X                       5,254
     NATIONASBANK)
BANKERS TR N Y CORP (BT)                        066365107         243      2,750    X                       2,750

BARCLAYS BANK PLC CONV PFD 8% SER E             067380836         367     13,835    X                      13,835
     (BCB P)
BARCLAYS BANK PLC CONV PFD 8% SER E             067380836          28      1,050        X   X               1,050
     (BCB P)
BAXTER INTERNATIONAL INC (BAX)                  071813109         327      4,950    X                       4,950

BECTON DICKINSON & CO (BDX)                     075887109         435     11,350    X                       10,950              400

BELL ATLANTIC CORP (BEL)                        077853109         638     12,346    X                       12,346

BELL ATLANTIC CORP (BEL)                        077853109         147      2,849        X   X                1,235     1,414    200

BELLSOUTH CORP (BLS)                            079860102       2,446     61,050    X                       60,750              300

BELLSOUTH CORP (BLS)                            079860102         171      4,260        X   X                2,160     1,700    400

BESTFOODS (BFO)                                 08658U101         444      9,450    X                        9,450

BIOMET, INC (BMET)                              090613100       2,213     52,757    X                       52,757

BOEING CO (BA)                                  097023105         465     13,675    X                       13,350              325

BOEING CO (BA)                                  097023105           7        200        X   X                           200

BRISTOL-MYERS SQUIBB CO (BMY)                   110122108       1,627     25,380    X                       25,380

BRISTOL-MYERS SQUIBB CO (BMY)                   110122108          85      1,332        X   X                  932      400

CATERPILLAR INC (CAT)                           149123101         381      8,300    X                        8,300

CHEVRON CORP (CHV)                              166751107         787      8,867    X                        8,867

CHEVRON CORP (CHV)                              166751107         106      1,200        X   X                1,200

CINCINNATI BELL INC (CSN)                       171870108         202      9,000    X                        9,000

CINCINNATI BELL INC (CSN)                       171870108          90      4,000        X   X                2,000            2,000

                                                           ----------
                COLUMN TOTALS                                 13,739
</TABLE>

<PAGE>   4

<TABLE>
<CAPTION>
REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F          03/31/99       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>
CINCINNATI FINANCIAL CORP (CINF)      172062101     7,526       206,542     X                      205,882                   660

CINERGY CORP (CIN)                    172474108       494        17,974     X                       17,974

CINERGY CORP (CIN)                    172474108        22           800         X   X                  800

CISCO SYSTEMS INC (CSCO)              172758102       422         3,849     X                        3,849

COCA-COLA CORP (KO)                   191216100     1,062        17,300     X                       17,025                   275

COCA-COLA CORP (KO)                   191216100     1,193        19,430         X   X               19,430

COLGATE-PALMOLIVE COMPANY (CL)        194162103       902         9,801     X                        9,651                   150

COMERICA INC (CMA)                    200340107       293         4,700     X                        4,700

COMPAQ COMPUTER CORP (CPQ)            204493100       462        14,575     X                       13,575                 1,000

CONVERGYS CORP                        212485106       154         9,000     X                        9,000                 2,000
     COM      
CONVERGYS CORP                        212485106        69         4,000         X   X                2,000
     COM      
D P L INC COMMON (DPI)                233293109       297        18,016     X                       18,016

D P L INC COMMON (DPL)                233293109         6           375         X   X                  375

DISNEY (WALT) CO. (DIS)               254687106       454        14,600     X                       14,600

DISNEY (WALT) CO (DIS)                254687106        44         1,425         X   X                  900         525

DOW CHEMICAL CO (COW)                 260543103       228         2,450     X                        2,450

E I DUPONT CE NEMOURS & CO (00)       263534109       778        13,401     X                       13,201                   200

E I DUPONT CE NEMOURS & CO (00)       263534109       241         4,150         X   X                1,350       2,800

DUKE ENERGY CO (DUK)                  264399106       489         8,925     X                        8,725                   200
    (FORMERLY DUKE POWER)
DUKE RLTY INVTS INC NEW (DRE)         264411505       449        20,899     X                       20,099                   800

DUKE RLTY INVTS INC NEW (DRE)         264411505        17           800         X   X                  800

EMERSON ELECTRIC CO (EMR)             291011104       739        13,964     X                       13,964

ENRON CORP (ENE)                      293561106       361         5,618     X                        5,618

EXXON CORP (XON)                      302290101     3,469        49,168     X                       48,373                   795

EXXON CORP (XON)                      302290101       348         4,934         X   X                4,734         200

                                                  -------
     COLUMN TOTALS                                 20,519
</TABLE>


<PAGE>   5
<TABLE>
<CAPTION>
REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F          03/31/99       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>
FPL GROUP INC (FPL)                     302571104      355        6,675     X                        6,675

FEDERAL NATIONAL MORTGAGE ASSO (FNM)    313586109      658        9,495     X                        9,120                    375

FEDERATED HIGH YIELD TR FD (38)         314197104       62        6,885     X                        6,885

FEDERATED HIGH YIELD TR FD (38)         314197104       38        4,184         X   X                                       4,184

FEDERATED INSTL SHRT-DUR GVT BD(626)    31420B102       63       31,523     X                       31,523

FEDERATED INSTL SHRT-DUR GVT BD(626)    31420B102      166       83,193         X   X                                      83,193

FIDELITY ADVISOR INTERM BND FD (87)     315809103       63        5,935     X                        5,935

FIDELITY ADVISOR INTERM BND FD (87)     315809103      150       14,085         X   X                  596                 13,489

FIDELITY INTERMEDIATE BOND FUND(32)     315912105      527       51,828         X   X               44,254                  7,574

FIFTH THIRD BANCORP (FITB)              316773100      628        9,530     X                        9,630

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      548       10,250     X                        9,950                    300

FIRST UNION CORP (FTU)                  337358105       36          675         X   X                  675

FORD MOTOR COMPANY (F)                  345370100      429        7,573     X                        7,573

FORD MOTOR COMPANY (F)                  345370100       11          200         X   X                  200

GTE CORP (GTE)                          362320103      585        9,672     X                        9,672

GTE CORP (GTE)                          362320103        6          100         X   X                  100

GENERAL ELECTRIC CO (GE)                369604103    4,173       37,718     X                       36,218          300     1,200

GENERAL ELECTRIC CO (GE)                369604103      142        1,286         X   X                  936          350

GENERAL MOTORS CORP (GM)                370442105      403        4,636     X                        4,546                     90

GENERAL MOTORS CORP (GM)                370442105       23          266         X   X                  266

GILLETTE CO (G)                         375766102      295        4,960     X                        4,960

HEWLETT-PACKARD GO (HWP)                428236103      968       14,275     X                       14,075                    200

HEWLETT-PACKARD CO (HWP)                428236103       17          250         X   X                               250

                                                  --------
        COLUMN TOTALS                               10,354
</TABLE>
<PAGE>   6

<TABLE>
<CAPTION>
REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F          03/31/99       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>
HIGHWOOD PPTYS INC (HIW)                431284108      558       23,675     X                        23,675

HIGHWOOD PPTYS INC (HIW)                431284108        9          400         X   X                   400

HOME DEPOT INC (HD)                     437076102    1,341       21,548     X                        21,548

HUNTINGTON BANCSHARES INC (HBAN)        446150104    6,410      207,157     X                       207,187

I D S OHIO TAX EXEMPT FUND              44947T704      119       21,628     X                        21,628

1 D S TAX EXEMPT FUND                   449482108       46       11,040     X                        11,040

ILLINOIS TOOL WKS INC (ITW)             452308109      309        5,000     X                         5,000

INPUT/OUTPUT INC (IO)                   457652105       63       10,000     X                        10,000

INTEL CORP (INTC)                       458140100      309        2,600     X                         2,600

INTERNATIONAL BUSINESS MACHINES(IBM)    459200101      990        5,587     X                         5,587
    CORP
JOHNSON & JOHNSON CO (JNJ)              478160104    1,994       21,325     X                        21,325

JOHNSON & JOHNSON CO (JNJ)              478160104       68          728         X   X                   728

KIMBERLY-CLARK CORP (KMB)               494368103      513       10,700     X                        10,700

KROGER CO (KR)                          501044101      289        4,825     X                         4,725                   100

LILLY ELI & CO (LLY)                    532457108      570        6,715     X                         6,715

LUCENT TECHNOLOGIES INC (LU)            549463107    1,175       10,878     X                        10,878

LUCENT TECHNOLOGIES INC (LU)            549463107      146        1,352         X   X                 1,106          96       150

MBNA CORP (KRB)                         55262L100      452       18,937     X                        18,937

MCI WORLDCOM INC (WCOM)                 55268B106    1,032       11,656     X                        11,531                   125

MCDONALD'S CORP (MCD)                   580135101      519       11,450     X                        11,450

MCDONALD'S CORP (MCD)                   580135101       36          800         X   X                   800

MERCK & CO INC (MRK)                    589331107    1,506       18,800     X                        18,800

MERCK & CO INC (MRK)                    589331107       48          600         X   X                   600

MICROSOFT CORP (MSFT)                   594918104    1,833       20,450     X                        20,250                   200

MICROSOFT CORP (MSFT)                   594918104       72          800         X   X                               800

                                                  --------
        COLUMN TOTALS                               20,407
</TABLE>

<PAGE>   7

<TABLE>
<CAPTION>
REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F          03/31/99       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>
MINNESOTA MINING & MFG (MMM)            604059105      854       12,075     X                        12,075

MINNESOTA MINING & MFG (MMM)            604059105       92        1,300         X   X                 1,000         300

MOBIL CORP (MOB)                        607059102      620        7,041     X                         6,433                     608

FEDERATED AUTOMATED CASH MGMT (75)      60934N864      335      335,453         X   X                                       335,453

MONSANTO CO (NTC)                       611662107      628       13,675     X                        13,350                     325

MORGAN STANLY DEAN WITTER & CO (MWD)    617446448      290        2,900     X                         2,900

NORFOLK SOUTHERN CORP (NSC)             655844108      421       15,975     X                        15,975

NORFOLK SOUTHERN CORP (NSC)             655844108       16          600         X   X                               600

OFFICEMAX INC (OMX)                     67622M108      154       17,800     X                        17,800

PENNEY, J C CO INC (JCP)                708160106      396        9,775     X                         9,775

PENNEY, J C CO INC (JCP)                708160106       16          400         X   X                   400

PEOPLES SAVINGS BANK OF TROY            712289107      188       12,984         X   X                            12,984

PEPSICO INC (PEP)                       713448108      766       19,550     X                        19,550

PEPSICO INC (PEP)                       713448108       47        1,200         X   X                 1,200

PFIZER INC (PFE)                        717081103    1,609       11,593     X                        11,593

PROCTER & GAMBLE CO (PG)                742718109    2,959       30,214     X                        30,214

PROCTER & GAMBLE CO (PG)                742718109      171        1,750         X   X                 1,300         450

PNC TEMP (24)                           743884579    1,033    1,033,473     X                     1,033,473

PNC TEMP (24)                           743884579    1,020    1,020,100         X   X                                     1,020,100

REYNOLDS & REYNOLDS CLASS A (REY)       761695105      264       13,875     X                        13,875

ROYAL DUTCH PETE CO (RD)                780257804      238        4,585     X                         4,585
    NY REG SHS 1.25
SBC COMMUNICATIONS (SBC)                78387G103    1,037       21,984     X                        21,684                     300

SBC COMMUNICATIONS (SEC)                78387G103      188        3,982         X   X                 3,036         400         546

SARA LEE CORP (SLE)                     803111103      428       17,300     X                        17,300

SCHERING-PLOUGH CORP (SGP)              806605101      535         9675     X                         9,375                     300

                                                  --------
        COLUMN TOTALS                               14,305
</TABLE>
<PAGE>   8

<TABLE>
<CAPTION>

REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F   03/31/99    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        308             5,120    X                          4,845          275

SEAGATE TECHNOLOGY                   811804103        489            16,525    X                         16,150          375
     COM
SECURITY BANC CORPORATION (STYB)     813767100     42,399         1,021,655    X                        960,999       60,656

SECURITY BANC CORPORATION (STYB)     813767100     22,183           534,530        X    X               519,490       15,040

SMITHKLINE BCHM PLC ADR 5A ORD (SBH) 832378301        815            11,400    X                         11,400

SOUTHERN CO (SO)                     842587107        455            19,502    X                         19,502

SOUTHERN CO (SO)                     842587107         13               550        X    X                   550

SOUTHWEST AIRLINES (LUV)             844741108        316            10,442    X                         10,442

SPRINT (FRMLY UNITED TELECOM) (FON)  852061100        396             4,034    X                          4,034

SUN MICROSYSTEMS (SUNW)              866810104        360             2,875    X                          2,875

TEXACO INC (TX)                      881694103        750            13,215    X                         12,805          410

TEXACO INC (TX)                      881694103         66             1,160        X    X                   960          200

TRIBUNE CO NEW COM (TRB)             896047107        360             5,500    X                          5,500

USX MARATHON GROUP (MRO)             902905827        437            15,900    X                         15,900
     (FORMERLY USX CORP)
USX MARATHON GROUP (MRO)             902905827         18               650        X    X                   650
     (FORMERLY USX CORP)
UNION PACIFIC CORP (UNP)             907818108        330             6,180    X                          5,830          350

U S WEST INC NEW COM                 91273H101        614            11,153    X                         11,153

U S WEST INC NEW COM                 91273H101         38               692        X    X                   592          100

VANGUARD SHORT-TERM FEDERAL FD (49)  922031604         26             2,518    X                          2,518     

VANGUARD SHORT-TERM FEDERAL FD (49)  922031604      1,030           101,422        X    X                            101,422

WAL-MART STORES INC (WMT)            931142103        454             4,925    X                          4,925 

WAL-MART STORES INC (WMT)            931142103         28               300        X    X                        300

WARNER LAMBERT CO (WLA)              934488107        424             6,400    X                          6,125          275

WATSON PHARMACEUTICALS INC (WPI)     942683103        343             7,775    X                          7,275          500

WESTERN OHIO FINANCIAL CORP (WOFC)   959024100        115             5,121    X                          5,121

                                               ----------
            COLUMN TOTALS                          72,767

</TABLE>


<PAGE>   9



<TABLE>
<CAPTION>

REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F   03/31/99    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>
WESTERN OHIO FINANCIAL CORP (WOFC)   959024100          403          18,000        X    X                 18,000

THE WILLIAMS COMPANIES, INC (WMB)    969457100          388           9,824    X                           9,824

XEROX CORP (XRX)                     984121103          420           8,050    X                           7,750        300

                                               ------------
            COLUMN TOTALS                             1,211

             FINAL TOTALS                           165,891


</TABLE>


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