<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: DECEMBER 31, 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 JANUARY 5, 2000
- ---------------------------------------- -------------------------------
Place Signed (City and State) Date Signed
<PAGE> 2
Form 13F Summary Page
Report Summary:
Number of Other Institutional Managers: n/a
Form 13F Information Table Entry Total: 175
Form 13F Information Table Value Total: 147,285
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 12/31/99 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 581 4,436 X 4,436
DAIMLERCHRYSLER AG (DCX) (FORMERLY D1668R123 229 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 309 468 X 468
(CERTIFICATE OF ASSIGNMENT)
AT & T CORP (T) 001957109 2,167 42,650 X 42,011 639
AT & T CORP (T) 001957109 147 2,893 X X 2,368 525
ABBOTT LABORATORIES (ABT) 002824100 897 24,695 X 24,695
ABBOTT LABORATORIES (ABT) 002824100 15 400 X X 400
AIR PRODUCTS & CHEMICALS INC (APD) 009158106 294 8,750 X 8,750
AIR PRODUCTS & CHEMICALS INC (APD) 009158106 12 350 X X 350
ALBERTSON'S INC (ABS) 013104104 251 7,795 X 7,795
AMERICA ONLINE INC (AOL) 02364J104 293 3,865 X 3,865
AMERICAN ELECTRIC POWER CO (AEP) 025537101 441 13,719 X 13,719
AMERICAN ELECTRIC POWER CO (AEP) 025537101 6 200 X X 200
AMERICAN EXPRESS CO (AXP) 025816109 712 4,282 X 4,282
AMERICAN EXPRESS CO (AXP) 025816109 83 500 X X 500
AMERICAN HOME PRODUCTS CORP (AHP) 026609107 729 18,575 X 18,575
AMERICAN HOME PRODUCTS CORP (AHP) 026609107 16 400 X X 400
AMERICAN INTL GRP (AIG) 026874107 522 4,827 X 4,827
BP AMOCO P L C (BPA)(FORMERLY AMOCO) 055622104 1,703 28,718 X 28,010 708
ADR SPONSORED
BP AMOCO P L C (BPA)(FORMERLY AMOCO) 055622104 57 968 X X 968
ADR SPONSORED
BANK OF AMER CORP (BAC) (FORMERLY 060505104 274 5,254 X 5,217 237
BANKAMERICA CORP NEW)
BANK ONE CORP (ONE) (FORMERLY FIRST 06423A103 1,073 33,521 X 33,521
CHICAGO & BANC ONE)
BANK ONE CORP (ONE) (FORMERLY FIRST 06423A103 4 118 X X 118
CHICAGO & BANC ONE)
BARCLAYS BANK PLC CONV PFD 8% SER E 06738C836 298 13,335 X 13,335
(BCB P)
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COLUMN TOTALS 11,456
</TABLE>
<PAGE> 4
<TABLE>
<CAPTION>
REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 12/31/99 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>
BARCLAYS BANK PLC CONV PFD 8% SER E 06738C836 23 1,050 X X 1,050
(BCB P)
BAXTER INTERNATIONAL INC (BAX) 071813109 419 6,675 X 6,675
BELL ATLANTIC CORP (BEL) 077853109 748 12,146 X 11,846 300
BELL ATLANTIC CORP (BEL) 077853109 163 2,649 X X 1,035 1,614
BELLSOUTH CORP (BLS) 079860102 2,581 55,144 X 54,844 300
BELLSOUTH CORP (BLS) 079860102 162 3,460 X X 2,160 1,300
BIOMET, INC (BMET) 090613100 2,098 52,452 X 52,452
BRISTOL-MYERS SQUIBB CO (BMY) 110122108 1,416 22,062 X 20,730 1,332
BRISTOL-MYERS SQUIBB CO (BMY) 110122108 73 1,132 X X 932 200
CARNIVAL CORP (CCL) 143658102 221 4,625 X 4,625
CATERPILLAR INC (CAT) 149123101 391 8,300 X 8,300
CATERPILLAR INC (CAT) 149123101 28 600 X X 600
CHEVRON CORP (CHV) 166751107 710 8,193 X 8,193
CHEVRON CORP (CHV) 166751107 54 626 X X 626
CINCINNATI FINANCIAL CORP (CINF) 172062101 3,647 116,951 X 116,291 660
CINERGY CORP (CIN) 172474108 537 22,424 X 22,424
CINERGY CORP (CIN) 172474108 19 800 X X 800
CISCO SYSTEMS INC (CSCO) 17275R102 1,176 10,974 X 10,474 500
CITIGROUP INC (FORMERLY TRAVL GROUP) 172967101 229 4,110 X 4,110
COCA-COLA CORP (KO) 191216100 878 15,075 X 14,000 1,075
COCA-COLA CORP (KO) 191216100 70 1,200 X X 1,200
COLGATE-PALMOLIVE COMPANY (CL) 194162103 982 15,100 X 14,800 300
COMERICA INC (CMA) 200340107 219 4,700 X 4,700
COMPAQ COMPUTER CORP (CPQ) 204493100 415 15,325 X 15,325
CONVERGYS CORP 212485106 277 9,000 X 9,000
COM
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COLUMN TOTALS 17,536
</TABLE>
<PAGE> 5
<TABLE>
<CAPTION>
REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 12/31/99 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>
CONVERGYS CORP 212485106 123 4,000 X X 2,000 2,000
COM
D P L INC COMMON (DPL) 233293109 319 18,441 X 18,441
D P L INC COMMON (DPL) 233293109 6 375 X X 375
DISNEY (DIS) (FORMERLY DISNEY, 254687106 291 9,950 X 9,950
WALT) COM
DISNEY (DIS) (FORMERLY DISNEY, 254687106 33 1,125 X X 600 525
WALT) COM
DOMINION RESOURCES, INC (D) 257470104 243 6,200 X 6,200
DOW CHEMICAL CO (DOW) 260543103 287 2,150 X 2,150
E I DUPONT DE NEMOURS & CO (DD) 263534109 666 10,112 X 9,812 300
E I DUPONT DE NEMOURS & CO (DD) 263534109 299 4,546 X X 1,746 2,800
DUKE ENERGY CO (DUK) 264399106 624 12,450 X 12,250 200
(FORMERLY DUKE POWER)
DUKE-WEEKS RLTY CRP NEW (DRE) 264411505 202 10,374 X 10,374
DUKE-WEEKS RLTY CRP NEW (DRE) 264411505 10 500 X X 500
EMERSON ELECTRIC CO (EMR) 291011104 629 10,964 X 10,964
ENRON CORP (ENE) 293561106 485 10,936 X 10,936
EXXON MOBIL CORP (XOM) COM 30231G102 4,086 50,713 X 49,882
EXXON MOBIL CORP (XOM) COM 30231G102 462 5,734 X X 5,734
FPL GROUP INC (FPL) 302571104 319 7,450 X 7,450
FEDERAL NATIONAL MORTGAGE ASSO (FNM) 313586109 772 12,370 X 11,995 375
FEDERATED HIGH YIELD TR FD (38) 314197104 66 7,954 X 7,954
FEDERATED HIGH YIELD TR FD (38) 314197104 30 3,578 X X 3,578
FEDERATED GVT ULTRASHORT FD IS (626) 31420B102 368 185,735 X 178,160 7,575
(FRMLY FED SHRT-DUR GVT BD FD)
FEDERATED GVT ULTRASHORT FD IS (626) 31420B102 339 171,349 X X 171,349
(FRMLY FED SHRT-DUR GVT BD FD)
FEDERATED USGVT SECS: 2-5 YR (47) 31428P103 212 20,524 X 19,088
FIDELITY ADVISOR INTERM BND FD (87) 315809103 22 2,105 X 2,105
FIDELITY ADVISOR INTERM BND FD (87) 315809103 135 13,228 X X 712 12,516
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COLUMN TOTALS 11,028
</TABLE>
<PAGE> 6
<TABLE>
<CAPTION>
REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 12/31/99 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>
FIDELITY INTERMEDIATE BOND FUND(32) 315912105 493 50,496 X X 41,539 8,957
FIFTH THIRD BANCORP (FITB) 316773100 1,816 24,756 X 24,756
FIFTH THIRD BANCORP (FITB) 316773100 8 109 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 16,625 X 16,325 300
FIRST UNION CORP (FTU) 337358105 6 175 X X 175
FORD MOTOR COMPANY (F) 345370100 758 14,223 X 14,223
FORD MOTOR COMPANY (F) 345370100 11 200 X X 200
GTE CORP (GTE) 362320103 749 10,610 X 10,610
GTE CORP (GTE) 362320103 7 100 X X 100
GENERAL ELECTRIC CO (GE) 369604103 5,490 35,474 X 33,442 300 1,732
GENERAL ELECTRIC CO (GE) 369604103 199 1,286 X X 936 350
GENERAL MOTORS CORP (GM) 370442105 300 4,122 X 4,032 90
GENERAL MOTORS CORP (GM) 370442105 19 266 X X 266
HEWLETT-PACKARD CO (HWP) 428236103 1,504 13,225 X 13,025 200
HEWLETT-PACKARD CO (HWP) 428236103 28 250 X X 250
HIGHWOOD PPTYS INC (HIW) 431284108 616 26,075 X 26,075
HIGHWOOD PPTYS INC (HIW) 431284108 9 400 X X 400
HOME DEPOT INC (HD) 437076102 2,238 32,547 X 32,547
HUNTINGTON BANCSHARES INC (HBAN) 446150104 5,188 217,288 X 217,288
A X P OHIO TAX EXEMPT FUND 44947T704 109 21,628 X 21,628
A X P TAX EXEMPT FUND 449482108 42 11,040 X 11,040
ILLINOIS TOOL WKS INC (ITW) 452308109 338 5,000 X 5,000
INTEL CORP (INTC) 458140100 836 10,160 X 10,160
INTERNATIONAL BUSINESS MACHINES(IBM) 459200101 1,144 10,604 X 10,604
CORP
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COLUMN TOTALS 22,457
</TABLE>
<PAGE> 7
<TABLE>
<CAPTION>
REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 12/31/99 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>
INTERNATIONAL BUSINESS MACHINES(IBM) 459200101 22 200 X X 200
CORP
INTERNATIONAL PAPER COMPANY (IP) 460146103 397 7,042 X 7,042
JOHNSON & JOHNSON CO (JNJ) 478160104 2,213 23,736 X 23,200 536
JOHNSON & JOHNSON CO (JNJ) 478160104 68 728 X X 728
KIMBERLY-CLARK CORP (KMB) 494368103 556 8,500 X 8,500
KROGER CO (KR) 501044101 384 20,350 X 19,550 800
LILLY ELI & CO (LLY) 532457108 583 8,765 X 8,765
LUCENT TECHNOLOGIES INC (LU) 549463107 1,892 25,227 X 24,927 300
LUCENT TECHNOLOGIES INC (LU) 549463107 193 2,576 X X 2,084 492
MBNA CORP (KRB) 55262L100 516 18,937 X 18,937
MCI WORLDCOM INC (WCOM) 55268B106 979 18,455 X 18,268 187
MCDONALD'S CORP (MCD) 580135101 588 14,575 X 14,575
MCDONALD'S CORP (MCD) 580135101 16 400 X X 400
MEDIAONE GROUP INC (UMG) 58440J104 234 3,047 X 3,047
MEDIAONE GROUP INC (UMG) 58440J104 37 480 X X 480
MERCK & CO INC (MRK) 589331107 2,049 30,493 X 30,293 200
MERCK & CO INC (MRK) 589331107 40 600 X X 600
MERRILL LYNCH & CO INC COM (MER) 590188108 450 5,400 X 5,400
MICROSOFT CORP (MSFT) 594918104 2,290 19,615 X 19,415 200
MICROSOFT CORP (MSFT) 594918104 93 800 X X 800
MINNESOTA MINING & MFG (MMM) 604059105 854 8,725 X 8,725
MINNESOTA MINING & MFG (MMM) 604059105 108 1,100 X X 1,000 100
FEDERATED AUTOMATED CASH MGMT (75) 60934N864 317 317,092 X X 317,092
MONSANTO CO (MIC) 611662107 474 13,375 X 13,050 325
MORGAN STANLY DEAN WITTER & CO (MWD) 617446448 428 3,000 X 3,000
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COLUMN TOTALS 15,781
</TABLE>
<PAGE> 8
<TABLE>
<CAPTION>
REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 12/31/99 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>
NASDAQ 100 TR UNIT SER 1 631100104 2,531 13,850 X 13,600 250
NOKIA CORP SPNRD ADR (NOK A) 654902204 353 1,850 X 1,850
OFFICEMAX INC (OMX) 67622M108 88 16,100 X 16,100
ORACLE CORP (ORCL) 68389X105 751 6,700 X 6,700
PEOPLES SAVINGS BANK OF TROY 712289107 170 25,968 X X 25,968
PEPSICO INC (PEP) 713448108 606 17,200 X 16,300 900
PEPSICO INC (PEP) 713448108 42 1,200 X X 1,200
PFIZER INC (PFE) 717081103 902 27,792 X 27,792
PROCTER & GAMBLE CO (PG) 742718109 3,126 28,535 X 27,999 536
PROCTER & GAMBLE CO (PG) 742718109 192 1,750 X X 1,300 450
PNC TEMP (24) 743884579 896 896,068 X 896,068
PNC TEMP (24) 743884579 1,753 1,752,543 X X 1,752,543
QUALCOMM INC (QCOM) 747525103 1,198 6,800 X 6,800
QWEST COMMUNICATIONS INTL INC (QWST) 749121109 311 7,225 X 6,925 300
SBC COMMUNICATIONS (SBC) 78387G103 1,987 40,762 X 40,434 328
SBC COMMUNICATIONS (SBC) 78387G103 269 5,526 X X 4,580 946
SCANA CORP (SCG) 805898103 444 16,525 X 16,525
FORMERLY: SO CAROLINA ELECTRIC & GAS
SCANA CORP (SGC) 805898103 13 500 X X 500
FORMERLY: SO CAROLINA ELECTRIC & GAS
SCHLUMBERGER LTD (SLB) 806857108 231 4,120 X 3,845 275
SECURITY BANC CORPORATION (STYB) 813767100 28,432 997,620 X 958,264 39,356
SECURITY BANC CORPORATION (STYB) 813767100 15,339 538,225 X X 524,185 14,040
SMITHKLINE BCHM PLC ADR 5A ORD (SBH) 832378301 731 11,400 X 11,400
SOUTHERN CO (SO) 842587107 598 25,430 X 25,430
SOUTHERN CO (SO) 842587107 13 550 X X 550
SOUTHWEST AIRLINES (LUV) 844741108 251 15,567 X 15,567
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COLUMN TOTALS 61,227
</TABLE>
<PAGE> 9
<TABLE>
<CAPTION>
REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 12/31/99 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>
SPRINT (FRMLY UNITED TELECOM) (FON) 852061100 543 8,068 X 8,068
SPRINT CORP PCS COM SER 1 (PCS) 852061506 207 2,017 X 2,017
SUN MICROSYSTEMS (SUNW) 866810104 782 10,100 X 10,100
TEXACO INC (TX) 881694103 547 10,073 X 9,773 300
TEXACO INC (TX) 881694103 63 1,160 X X 960 200
TIME WARNER, INC (FORMERLY TIME 887315109 334 4,625 X 4,425 200
INC)
TRICON GLOBAL RESTAURANTS (YUM) 895953107 270 7,000 X 7,000
TRICON GLOBAL RESTAURANTS (YUM) 895953107 15 400 X X 400
TRIBUNE CO NEW COM (TRB) 896047107 215 3,900 X 3,900
UAL CORP (UAL) 902549500 299 3,850 X 3,850
UAL CORP (UAL) 902549500 16 200 X X 200
USX MARATHON GROUP (MRO) 902905827 291 11,800 X 11,800
(FORMERLY USX CORP)
UNITED TECHNOLOGIES CORP (UTX) 913017109 475 7,305 X 7,305
VANGUARD SHORT-TERM FEDERAL FD (49) 922031604 17 1,727 X 1,727
VANGUARD SHORT-TERM FEDERAL FD (49) 922031604 702 70,943 X X 70,943
VODAFONE AIRTOUCH PLC (VOD) 92857T107 358 7,230 X 7,230
ADR SPONSORED
VODAFONE AIRTOUCH PLC (VOD) 92857T107 25 500 X X 500
ADR SPONSORED
WAL-MART STORES INC (WMT) 931142103 1,151 16,650 X 16,650
WAL-MART STORES INC (WMT) 931142103 41 600 X X 600
WARNER LAMBERT CO (WLA) 934488107 313 3,825 X 3,825
WATSON PHARMACEUTICALS INC (WPI) 942683103 249 6,950 X 6,450 500
WELLS FARGO & CO NEW (WFC) 949746101 220 5,450 X 5,450
(FORMERLY NORWEST)
WESTERN OHIO FINANCIAL CORP (WOFC) 959024100 93 5,621 X 5,621
WESTERN OHIO FINANCIAL CORP (WOFC) 959024100 297 18,000 X X 18,000
THE WILLIAMS COMPANIES, INC (WMB) 969457100 277 9,075 X 9,075
---------
COLUMN TOTALS 7,800
FINAL TOTALS 147,285
</TABLE>
