UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE QUARTER ENDING: SEPTEMBER 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 THIS
REPORT IS AUTHORIZED TO SUBMIT IT, AND ALL INFORMATION CONTAINED HEREIN
IS TRUE, CORRECT, AND COMPLETE, AND THAT IS 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 NOVEMBER 11, 1999
REPORT TYPE:
{X} 13F HOLDINGS REPORT
{ } 13F NOTICE
{ } 13F COMBINATION REPORT
LIST OF OTHER MANGERS REPORTING FOR THIS MANAGER:
NONE
REPORT SUMMARY:
NUMBER OF OTHER INCLUDED MANAGERS: 0
FORM 13F INFORMATION TABLE ENTRY TOTAL: 91
F0RM 13f INFORMATION TABLE VALUE TOTAL: 485119
[DESCRIPTION]
<TABLE> <C> <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 659 15138 SH Sole 3240 11898
D ABBOTT LABORATORIES COM 002824100 3845 104792 SH Sole 33550 71242
D ALLEGHENY ENERGY INC COM 017361106 201 6300 SH Sole 6300
D ALLSTATE CORP COM 020002101 373 14948 SH Sole 248 14700
D AMERICAN EXPRESS COM 025816109 480 3554 SH Sole 596 2958
D AMERICAN HOME PRODUCTS COM 026609107 812 19556 SH Sole 800 18756
D AMERICAN INTL GROUP INC COM 026874107 11595 133369 SH Sole 36635 97046
D AMERITECH COM 030954101 1120 16776 SH Sole 1315 15461
D APPLIED MATLS INC COM 038222105 14529 187015 SH Sole 54145 133270
D ATLANTIC RICHFIELD COM 048825103 368 4150 SH Sole 4150
D BECTON, DICKINSON & CO COM 075887109 312 11112 SH Sole 11112
D BELL ATLANTIC COM 077853109 21144 314120 SH Sole 82395 231725
D BELLSOUTH COM 079860102 2488 55288 SH Sole 21860 33428
D BP AMOCO PLC SPONSORED ADR COM 055622104 1040 9385 SH Sole 5015 4370
D BRISTOL MYERS-SQUIBB CO COM 110122108 24028 355975 SH Sole 79260 277715
D CARNIVAL CORP COM 143658102 14084 323775 SH Sole 99660 224115
D CHARTER ONE FINL INC COM 160903100 2195 94928 SH Sole 7455 87474
D CHEVRON CORP COM 166751107 565 6371 SH Sole 248 6123
D CISCO SYSTEMS COM 17275R102 19990 291560 SH Sole 82560 209000
D CITIGROUP INC (NEW) COM 172967101 10727 243794 SH Sole 73399 170995
D CITRIX SYS INC COM 177376100 14151 228480 SH Sole 66445 162585
D COCA COLA CO COM 191216100 724 14999 SH Sole 2000 12999
D COLGATE PALMOLIVE COM 194162103 13031 284834 SH Sole 75474 210360
D COMPUWARE CORP COM 205638109 13479 517179 SH Sole 141975 375204
D CORNING INC COM 219350105 257 3750 SH Sole 3750
D DISNEY HOLDING CO (WALT) COM 254687106 788 30317 SH Sole 8300 23517
D DOVER CORP COM 260003108 455 11136 SH Sole 11136
D DUPONT DE NEMOURS E I COM 263534109 823 13597 SH Sole 121 13476
D EASTMAN KODAK COMPANY COM 277461109 3579 47331 SH Sole 21246 26085
D ELAN PLC ADR COM 284131208 16049 478180 SH Sole 122280 356900
D EMERSON ELECTRIC COM 291011104 931 14741 SH Sole 3200 11541
D ENRON CORP COM 293561106 1674 40772 SH Sole 40772
D EQUIFAX INC COM 294429105 350 12450 SH Sole 12450
D EQUITY INCOME FUND 1ST EXCH COM 294700703 1109 5637 SH Sole 417 5220
D EXXON COM 302290101 3549 46696 SH Sole 6870 39826
D FANNIE MAE COM 313586109 13115 209212 SH Sole 56538 153124
D FIRST DATA CORP COM 319963104 933 21261 SH Sole 21261
D FIRSTAR CORP NEW WIS COM 33763V109 203 7920 SH Sole 7920
D FLEET FINANCIAL GROUP INC COM 338915101 404 11038 SH Sole 11038
D FORTUNE BRANDS INC COM 349631101 249 7719 SH Sole 1480 6239
D G T E CORP COM 362320103 548 7134 SH Sole 165 6969
D GENERAL ELECTRIC COM 369604103 38661 326081 SH Sole 80521 246760
D GENERAL MOTORS COM 370442105 343 5444 SH Sole 208 5236
D GLOBAL CROSSING LTD COM G3921A100 1099 41463 SH Sole 41463
D HOME DEPOT INC COM 437076102 22115 322259 SH Sole 91605 231404
D HONEYWELL INC COM 438506107 234 2103 SH Sole 2103
D INTEL CORP COM 458140100 773 10400 SH Sole 1800 8600
D INTL BUSINESS MACHINES COM 459200101 1210 10002 SH Sole 810 9192
D JOHNSON & JOHNSON COM 478160104 20602 224244 SH Sole 66375 158469
D KEYCORP COM 493267108 303 11724 SH Sole 11724
D KIMBERLY CLARK COM 494368103 291 5520 SH Sole 5520
D LILLY (ELI) & CO COM 532457108 861 13418 SH Sole 13418
D LUCENT TECHNOLOGIES COM 549463107 1144 17636 SH Sole 2184 15452
D M & T BK CORP COM 55261F104 689 1500 SH Sole 1500
D M D U RESOURCES GROUP COM 552690109 632 28100 SH Sole 675 27425
D MC GRAW HILL COMPANIES COM 580645109 232 4800 SH Sole 200 4600
D MCDONALD'S CORP COM 580135101 1061 24540 SH Sole 4000 20540
D MERCK & CO COM 589331107 1655 25541 SH Sole 3700 21841
D MGIC INVT CORP WIS COM 552848103 15865 332260 SH Sole 83160 249700
D MICROSOFT CORP COM 594918104 22245 245635 SH Sole 54625 191610
D MINNESOTA MINING & MFG CO COM 604059105 1029 10712 SH Sole 3900 6812
D MOBIL CORP COM 607059102 1045 10368 SH Sole 1918 8450
D MOTOROLA COM 620076109 872 9908 SH Sole 800 9108
D NATIONAL BOSTON MED NEW COM 635040207 4 15219 SH Sole 15219
D P P G INDUSTRIES INC COM 693506107 1891 31518 SH Sole 6510 25008
D PAYCHEX INC COM 704326107 481 14088 SH Sole 14088
D PEPSICO INC COM 713448108 1195 39180 SH Sole 14200 24980
D PFIZER INC COM 717081103 7957 221791 SH Sole 79578 142213
D PHILIP MORRIS COMPANIES INC COM 718154107 2348 68670 SH Sole 22900 47570
D POTASH CORP SASKATCHEWAN COM 73755L107 372 7200 SH Sole 7200
D PROCTER & GAMBLE COM 742718109 17368 185257 SH Sole 46880 138377
D RAYTHEON CO CL B COM 755111408 12352 248905 SH Sole 74995 174610
D SAFEWAY INC NEW COM 786514208 12590 330770 SH Sole 93955 237665
D SBC COMMUNICATIONS INC. COM 78387G103 1258 24646 SH Sole 2462 22184
D SCHERING-PLOUGH CORP COM 806605101 10441 239330 SH Sole 80180 159150
D SHELL TRANSPORT ADR COM 822703609 15173 333475 SH Sole 92735 241590
D SOUTHDOWN INC COM 841297104 17129 320165 SH Sole 86985 233880
D TJX COS INC NEW COM 872540109 17904 637990 SH Sole 159905 479735
D TREASURY INTL INC COM 894641109 7 57500 SH Sole 57500
D U. S. WEST INC COM 91273H101 263 4610 SH Sole 4610
D VODAFONE AIRTOUCH COM 92857T107 3855 16216 SH Sole 5500 10716
D WAL-MART STORES COM 931142103 278 5840 SH Sole 5840
D WARNER-LAMBERT CO COM 934488107 693 10440 SH Sole 10440
D WELLS FARGO & CO 1998 COM 949746101 1885 47568 SH Sole 6800 40768
D WHITTMAN-HART INC COM 966834103 5788 149250 SH Sole 46790 102460
D XEROX CORP COM 984121103 489 11652 SH Sole 1600 10052
D BARON ASSET FD SH BEN INT 068278100 380 7376.514 SH Sole 7376.514
D FIDELITY SPARTAN US EQUITY IND 315911206 264 5779.879 SH Sole 5779.879
D FOUNDERS FD INC GROWTH FD 350553400 49322904.016 SH Sole 22904.016
D JANUS INVT FD OVERSEAS FD 471023846 46319886.451 SH Sole 19886.451
S REPORT SUMMARY 91 DATA RECORDS 485119 0 OTHER MANAGERS ON WHOSE BEHALF REPORT IS FILED
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