Form 13F
Form 13F Cover Page
Report for the Calendar Year or Quarter Ended: September 30, 2000
Institutional Investment Manager Filing this Report:
Name: Howe and Rusling, Inc.
Address: 120 East Avenue
Rochester, NY 14604
The institutional investment manager filing this report
and the person by whom it is signed hereby represent
that the person signing the report s authorized to
submit it, that all information contained herein ins
true, correct and complete, and that it is understood
that all required items, statements, schedules, lists,
and tables, are considered integral parts of this
submission.
Person Signing this Report on Behalf of Reporting Manager:
Name: Michelle Lynn Pedzich
Title: Compliance Officer
Phone: 716-325-4140
Signature, Place, and Date of Signing:
Michelle Lynn Pedzich, Rochester, New York October 31, 2000
Report Type (Check only one.):
[X] 13F HOLDINGS REPORT.
[ ] 13F NOTICE.
[ ] 13F COMBINATION REPORT.
List of Other Managers Reporting for this Manager:
None
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FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 80
Form 13F Information Table Value Total: $501,798
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<TABLE>
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
A D C TELECOMMUNICATN COM 000886101 10789 401235 SH SOLE 135605 266720
A T & T CORP. COM 001957109 436 14844 SH SOLE 3467 11377
ABBOTT LABORATORIES COM 002824100 3867 81306 SH SOLE 30750 50556
ALLEGHENY ENERGY INC COM 017361106 249 6518 SH SOLE 6518
AMERICAN EXPRESS COM 025816109 629 10362 SH SOLE 1788 8574
AMERICAN HOME PRODUCTS COM 026609107 1180 20862 SH SOLE 20862
AMERICAN INTL GROUP INC COM 026874107 23216 242621 SH SOLE 76020 167069
AMGEN COM 031162100 228 3270 SH SOLE 3270
ANHEUSER-BUSCH COS COM 035229103 11893 281075 SH SOLE 113000 168075
APPLIED MATLS INC COM 038222105 10304 173730 SH SOLE 58110 115975
BANK NEW YORK INC COM 064057102 280 5000 SH SOLE 5000
BECTON, DICKINSON & CO COM 075887109 273 10312 SH SOLE 1000 9312
BELLSOUTH COM 079860102 2223 55232 SH SOLE 22004 33228
BP AMOCO P L C SPONSORED ADR(N COM 055622104 1260 23781 SH SOLE 10626 13155
BRISTOL MYERS-SQUIBB CO COM 110122108 5132 89832 SH SOLE 8050 82482
CAPITAL ONE FINL CORP COM 14040H105 9281 132461 SH SOLE 42105 90671
CARDINAL HEALTH INC COM 14149Y108 19286 218698 SH SOLE 75195 144103
CHEVRON CORP COM 166751107 453 5314 SH SOLE 300 5014
CISCO SYSTEMS COM 17275R102 16396 296754 SH SOLE 93110 204144
CITIGROUP INC (NEW) COM 172967101 22560 417286 SH SOLE 130836 287303
COCA COLA CO COM 191216100 660 11979 SH SOLE 11979
COLGATE PALMOLIVE COM 194162103 2623 55570 SH SOLE 5600 50970
CORNING INC COM 219350105 988 3325 SH SOLE 3325
DISNEY HOLDING CO (WALT) COM 254687106 873 22817 SH SOLE 8100 16217
DOLLAR TREE STORES COM 256747106 17911 441554 SH SOLE 151723 290866
DOVER CORP COM 260003108 14913 317718 SH SOLE 106900 210818
DUPONT DE NEMOURS E I COM 263534109 481 11598 SH SOLE 11598
EASTMAN KODAK COMPANY COM 277461109 1394 34102 SH SOLE 18571 15531
ELAN PLC ADR COM 284131208 25514 466005 SH SOLE 149975 317230
EMERSON ELECTRIC COM 291011104 690 10300 SH SOLE 3200 7100
ENRON CORP COM 293561106 3248 37072 SH SOLE 37072
EQUITY INCOME FUND 1ST EXCH COM 294700703 745 4780 SH SOLE 4780
EXXON MOBIL CORP COM 30231G102 4705 52790 SH SOLE 8613 44177
FAIRCHILD SEMICND INTL CL A COM 303726103 8701 309385 SH SOLE 105320 204735
FANNIE MAE COM 313586109 247 3450 SH SOLE 2050 1400
FIRST DATA CORP COM 319963104 505 12924 SH SOLE 1790 11134
FLEETBOSTON FINL CORP COM 339030108 312 8002 SH SOLE 100 7902
GENERAL ELECTRIC COM 369604103 50074 868024 SH SOLE 238618 632331
GENERAL MILLS COM 370334104 209 5900 SH SOLE 3680 2220
GENERAL MOTORS COM 370442105 315 4844 SH SOLE 4844
GLOBAL CROSSING LTD COM G3921A100 1200 38711 SH SOLE 38711
HEWLETT-PACKARD COM 428236103 13936 143675 SH SOLE 49115 94880
HOME DEPOT INC COM 437076102 19053 359075 SH SOLE 120850 239030
INTEL CORP COM 458140100 675 16246 SH SOLE 3600 12646
INTL BUSINESS MACHINES COM 459200101 1089 9680 SH SOLE 120 9560
JOHNSON & JOHNSON COM 478160104 23113 246044 SH SOLE 89155 157489
KEYCORP COM 493267108 222 8764 SH SOLE 8764
KIMBERLY CLARK COM 494368103 320 5730 SH SOLE 5730
LUCENT TECHNOLOGIES COM 549463107 498 16292 SH SOLE 2832 13460
M & T BK CORP COM 55261F104 755 1480 SH SOLE 1480
M D U RESOURCES GROUP COM 552690109 730 24550 SH SOLE 675 23875
MC GRAW HILL COMPANIES COM 580645109 254 4000 SH SOLE 200 3800
MCDONALD'S CORP COM 580135101 459 15190 SH SOLE 15190
MERCK & CO COM 589331107 1250 16797 SH SOLE 3300 13497
MGIC INVT CORP WIS COM 552848103 19541 319695 SH SOLE 95840 224455
MICROSOFT CORP COM 594918104 1301 21564 SH SOLE 3100 18464
MINNESOTA MINING & MFG CO COM 604059105 889 9757 SH SOLE 3900 5857
MORGAN (J P) CO COM 616880100 2621 16045 SH SOLE 6836 9209
MOTOROLA COM 620076109 810 28660 SH SOLE 2400 26260
NATIONAL BOSTON MED NEW COM 635040207 0 15219 SH SOLE 15219
ORACLE CORP COM 68389X105 213 2700 SH SOLE 2700
P P G INDUSTRIES INC COM 693506107 1139 28708 SH SOLE 6410 22298
PAYCHEX INC COM 704326107 26618 507017 SH SOLE 162346 345721
PEPSICO INC COM 713448108 1693 36800 SH SOLE 15400 21400
PFIZER INC COM 717081103 10588 235615 SH SOLE 79300 156315
PHILIP MORRIS COMPANIES INC COM 718154107 1380 46890 SH SOLE 18500 28390
POLYCOM INC COM 73172K104 15446 230650 SH SOLE 77290 153900
POTASH CORP SASKATCHEWAN COM 73755L107 377 7200 SH SOLE 7200
PROCTER & GAMBLE COM 742718109 1859 27740 SH SOLE 4240 23500
QWEST COMMUNICATIONS COM 749121109 589 12260 SH SOLE 12260
SBC COMMUNICATIONS INC. COM 78387G103 2232 44638 SH SOLE 4191 40447
SCHERING-PLOUGH CORP COM 806605101 265 5700 SH SOLE 1500 4200
SHELL TRANSPORT ADR COM 822703609 16527 337715 SH SOLE 108470 230095
SOUTHDOWN INC COM 841297104 21864 306870 SH SOLE 100535 207035
SPX CORP COM 784635104 293 2061 SH SOLE 2061
SUN MICROSYSTEMS INC COM 866810104 356 3050 SH SOLE 3050
TREASURY INTL INC NEW COM 894641109 1 10725 SH SOLE 10725
TYCO INTERNATIONAL LTD NEW COM 902124106 12943 249495 SH SOLE 88830 160665
VERIZON COMMUNICATIONS COM 92343V104 13140 271280 SH SOLE 56836 214444
VODAFONE GROUP PLC SPONSORED A COM 92857W100 2828 76430 SH SOLE 27400 49030
WAL-MART STORES COM 931142103 257 5340 SH SOLE 5340
WELLS FARGO & CO 1998 COM 949746101 2072 45099 SH SOLE 6800 38299
XEROX CORP COM 984121103 197 13072 SH SOLE 2700 10372
SCHWAB CHARLES FAMILY VALUE AD 8085156 51 50794.500SH SOLE 50794.500
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