UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE QUARTER ENDING: JUNE 30, 1999
Institutional Investment Manager Filing this Report:
Name: Howe and Rusling, Inc.
Address: 120 East Avenue
Rochester, NY 14604
13F File Number: 28-1563
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, and 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: Jack L. Anderson
Title: Executive Vice-President
Phone: 716-325-4140
Signature, Place, and Date of Signing
Jack L. Anderson, Rochester, NY August 12, 1999
Report Type:
{X} 13F Holdings Report
{ } 13F Notice
{ } 13F Combination Report
List of Other Managers Reporting for this Manager:
None
<PAGE>
REPORT SUMMARY:
NUMBER OF OTHER INCLUDED MANAGERS: 0
FORM 13F INFORMATION TABLE ENTRY TOTAL: 96
FORM 13F INFORMATION TABLE VALUE TOTAL: $511,754
[DESCRIPTION] FORM 13F INFORMATION TABLE
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<C>
13F INFORMATION TABLE Voting Authority
--------------------------
<C> Value Shares/ Sh/ Put/ Invstmt
Name of Issuer Title of class CUSIP (x$1000) Prn Amt Prn Call Dscretn Managers Sole Shared None
------------------------------ ---------------- --------- -------- ------- --- ---- ------- ---------- -------- -------- --------
D A T & T CORP. COM 001957109 845 15138 SH Sole 3240 11898
D ABBOTT LABORATORIES COM 002824100 4759 104892 SH Sole 33550 71342
D ALLEGHENY ENERGY INC COM 017361106 202 6300 SH Sole 6300
D ALLSTATE CORP COM 020002101 10989 306322 SH Sole 94510 211812
D AMERICAN EXPRESS COM 025816109 462 3554 SH Sole 596 2958
D AMERICAN HOME PRODUCTS COM 026609107 1122 19556 SH Sole 800 18756
D AMERICAN INTL GROUP INC COM 026874107 12769 108901 SH Sole 30254 78897
D AMERITECH COM 030954101 1222 16624 SH Sole 1240 15384
D APPLIED MATLS INC COM 038222105 13503 182780 SH Sole 54900 128280
D ATLANTIC RICHFIELD COM 048825103 347 4150 SH Sole 4150
D BANK NEW YORK INC COM 064057102 205 5598 SH Sole 5598
D BANK ONE CORP (NEW) COM 06423A103 5909 99213 SH Sole 11090 88123
D BECTON, DICKINSON & CO COM 075887109 333 11112 SH Sole 11112
D BELL ATLANTIC COM 077853109 20164 308429 SH Sole 83179 225250
D BELLSOUTH COM 079860102 2583 56008 SH Sole 22580 33428
D BP AMOCO PLC SPONSORED ADR COM 055622104 1018 9385 SH Sole 5015 4370
D BRISTOL MYERS-SQUIBB CO COM 110122108 24566 348770 SH Sole 77885 271885
D CARNIVAL CORP COM 143658102 15342 316335 SH Sole 100500 215835
D CHARTER ONE FINL INC COM 160903100 481 17280 SH Sole 17280
D CHEVRON CORP COM 166751107 653 6871 SH Sole 248 6623
D CISCO SYSTEMS COM 17275R102 16719 259464 SH Sole 81144 178320
D CITIGROUP INC (NEW) COM 172967101 11795 248310 SH Sole 74141 174769
D CITRIX SYS INC COM 177376100 12305 217790 SH Sole 66820 151520
D CLOROX CO COM 189054109 229 2144 SH Sole 2144
D COCA COLA CO COM 191216100 974 15709 SH Sole 2500 13209
D COLGATE PALMOLIVE COM 194162103 13007 132047 SH Sole 36237 96310
D COMPUWARE CORP COM 205638109 16190 508919 SH Sole 143485 365434
D CORNING INC COM 219350105 263 3750 SH Sole 3750
D DISNEY HOLDING CO (WALT) COM 254687106 951 30867 SH Sole 8300 24067
D DOVER CORP COM 260003108 405 11576 SH Sole 11576
D DUPONT DE NEMOURS E I COM 263534109 953 13946 SH Sole 13946
D EASTMAN CHEM CO COM 277432100 234 4515 SH Sole 2461 2054
D EASTMAN KODAK COMPANY COM 277461109 3237 47777 SH Sole 21246 26531
D ELAN PLC ADR COM 284131208 12637 455400 SH Sole 122490 333910
D EMERSON ELECTRIC COM 291011104 931 14791 SH Sole 3200 11591
D ENRON CORP COM 293561106 1763 21566 SH Sole 21566
D EQUIFAX INC COM 294429105 13428 376280 SH Sole 107320 269960
D EQUITY INCOME FUND 1ST EXCH COM 294700703 1168 5637 SH Sole 417 5220
D EXXON COM 302290101 3698 47952 SH Sole 6395 41557
D FANNIE MAE COM 313586109 14072 206187 SH Sole 57758 148879
D FIRST DATA CORP COM 319963104 1049 21427 SH Sole 21427
D FIRSTAR CORP NEW WIS COM 33763V109 222 7920 SH Sole 7920
D FLEET FINANCIAL GROUP INC COM 338915101 506 11398 SH Sole 11398
D FLOWERS INDS INC COM 343496105 7565 348815 SH Sole 131210 217605
D FORTUNE BRANDS INC COM 349631101 324 7824 SH Sole 1585 6239
D FRONTIER CORP COM 35906P105 482 8226 SH Sole 8226
D G T E CORP COM 362320103 539 7134 SH Sole 165 6969
D GENERAL ELECTRIC COM 369604103 37139 328666 SH Sole 81676 248190
D GENERAL MOTORS COM 370442105 384 5822 SH Sole 208 5614
D HOME DEPOT INC COM 437076102 20655 320539 SH Sole 93575 227714
D HONEYWELL INC COM 438506107 244 2103 SH Sole 2103
D INTEL CORP COM 458140100 619 10400 SH Sole 1800 8600
D INTL BUSINESS MACHINES COM 459200101 1303 10082 SH Sole 690 9392
D IPALCO ENTERPRISES INC COM 462613100 220 10365 SH Sole 3540 6825
D JOHNSON & JOHNSON COM 478160104 21632 220734 SH Sole 66495 154839
D KEYCORP COM 493267108 355 11038 SH Sole 11038
D KIMBERLY CLARK COM 494368103 315 5520 SH Sole 5520
D LILLY (ELI) & CO COM 532457108 961 13418 SH Sole 13418
D LUCENT TECHNOLOGIES COM 549463107 1215 18024 SH Sole 2184 15840
D M & T BK CORP COM 55261F104 825 1500 SH Sole 1500
D M D U RESOURCES GROUP COM 552690109 682 29900 SH Sole 675 29225
D MCDONALD'S CORP COM 580135101 1009 24540 SH Sole 4000 20540
D MERCK & CO COM 589331107 2074 28170 SH Sole 4300 23870
D MGIC INVT CORP WIS COM 552848103 15889 326775 SH Sole 84370 243005
D MICROSOFT CORP COM 594918104 22103 245075 SH Sole 55495 190180
D MINNESOTA MINING & MFG CO COM 604059105 961 11050 SH Sole 3900 7150
D MOBIL CORP COM 607059102 1068 10818 SH Sole 1918 8900
D MORGAN (J P) CO COM 616880100 2350 16725 SH Sole 6960 9765
D MOTOROLA COM 620076109 939 9908 SH Sole 800 9108
D NATIONAL BOSTON MED NEW COM 635040207 2 15219 SH Sole 15219
D NISOURCE INC COM 65473P105 201 7800 SH Sole 7800
D P P G INDUSTRIES INC COM 693506107 1918 32468 SH Sole 6510 25958
D PAYCHEX INC COM 704326107 443 13888 SH Sole 13888
D PEPSICO INC COM 713448108 1619 41840 SH Sole 15460 26380
D PFIZER INC COM 717081103 8087 74197 SH Sole 26526 47671
D PHILIP MORRIS COMPANIES INC COM 718154107 2827 70342 SH Sole 22900 49242
D POTASH CORP SASKATCHEWAN COM 73755L107 373 7200 SH Sole 7200
D PROCTER & GAMBLE COM 742718109 3170 35517 SH Sole 5100 30417
D RAYTHEON CO CL B COM 755111408 16864 239210 SH Sole 75400 164510
D SAFEWAY INC NEW COM 786514208 15693 317030 SH Sole 94335 223545
D SBC COMMUNICATIONS INC. COM 78387G103 1482 25560 SH Sole 2876 22684
D SCHERING-PLOUGH CORP COM 806605101 9680 184390 SH Sole 43945 140445
D SHELL TRANSPORT ADR COM 822703609 14639 315670 SH Sole 91160 225360
D SOUTHDOWN INC COM 841297104 18276 284455 SH Sole 79700 205455
D TJX COS INC NEW COM 872540109 21079 632765 SH Sole 157500 476915
D U. S. WEST INC COM 91273H101 271 4611 SH Sole 1 4610
D VODAFONE AIRTOUCH COM 92857T107 3290 16698 SH Sole 5580 11118
D WAL-MART STORES COM 931142103 234 4840 SH Sole 4840
D WARNER-LAMBERT CO COM 934488107 701 10140 SH Sole 10140
D WELLS FARGO & CO 1998 COM 949746101 2073 48498 SH Sole 6800 41698
D XEROX CORP COM 984121103 688 11652 SH Sole 1600 10052
D BARON ASSET FD SH BEN INT 068278100 484 7986.186 SH Sole 7986.186
D FIDELITY SPARTAN US EQUITY IND 315911206 316 6464.525 SH Sole 6464.525
D FOUNDERS FD INC GROWTH FD 350553400 55624546.567 SH Sole 24546.567
D JANUS INVT FD OVERSEAS FD 471023846 46720968.301 SH Sole 20968.301
S REPORT SUMMARY 96 DATA RECORDS 511754 0 OTHER MANAGERS ON WHOSE BEHALF REPORT IS FILED
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