UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Quarter Ended: March 31, 2000
Check here if Amendment ( ); Amendment Number:
This Amendment (Check only one): ( ) is a restatement.
( ) adds new holdings entries.
Institutional Investment Manager Filing this Report:
Name: Financial Institutions Retirement Fund
Address: 108 Corporate Park Drive, Fl 4
White Plains, New York 10604-3805
13F File Number: 28-1622
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, that 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:
Name: Mr. Horace J. Caulkins
Title: Senior Vice-President and Chief Investment Officer
Phone: (914) 694-1300
Signature _________________________
Signed at: White Plains, New York on April 27, 2000.
Report Type: 13F Holding Report
List of Other Managers Reporting for this Manager: NONE
I AM SIGNING THIS REPORT AS REQUIRED BY
THE SECURITIES & EXCHANGE COMMISSION OF 1934.
Page 1
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 72
Form 13F Information Table Value Total: $ 70,817,000
Page 2
FINANCIAL INSTITUTIONS RETIREMENT FUND 31 March 2000
(13F): CORE EQUITY AND IN HOUSE EQUITY ACCOUNTS
ITEM4 ITEM5 PRIN ITEM6 ITEM8
ITEM1 ITEM2 ITEM3 FAIRMKTSHARES AMT INV ITEMVOTING
NAME OF ISSUETICKCLASS CUSIP ($,000)(,000) ($,000) DISCRMGT AUTH
- ------------------------------------------------------------------------
8X8 INC |EGHT COM 282912104 89 3 97 SOLE - SOLE
A T & T CORP|T COM 1957109 503 9 101 SOLE - SOLE
AGILENT TECH|A COM 00846U101 208 2 92 SOLE - SOLE
AMERICA SVC |ASGR COM 02364L109 210 14 198 SOLE - SOLE
ANTHRACITE C|AHR COM 37023108 200 28 205 SOLE - SOLE
ARTESYN TECH|ATSN COM 43127109 284 15 49 SOLE - SOLE
AT&T CORP CO|LMG COM 1957208 1,127 19 215 SOLE - SOLE
CHROMATICS C|CCSI COM 171116304 269 50 206 SOLE - SOLE
CRESCENT OPE|COPI COM 22575M100 89 31 204 SOLE - SOLE
CRESCENT REA|CEI COM 225756105 175 10 193 SOLE - SOLE
DAYTON SUPER|DSD COM 240028100 151 6 126 SOLE - SOLE
DIGITAL VIDE| COM 25387R9A0 150 150 150 SOLE - SOLE
DYCOM INDUST|DY COM 267475101 293 6 67 SOLE - SOLE
ELEC COMMUNI|ELEC COM 284739109 25 5 13 SOLE - SOLE
EMULEX CORP |EMLX COM 292475209 655 6 13 SOLE - SOLE
ENVIRONMENTA|EPTC COM 29406K104 299 117 274 SOLE - SOLE
ESYNCH CORP |ESYN COM 297591109 809 67 273 SOLE - SOLE
FAIRFIELD CM|FFD COM 304231301 79 10 94 SOLE - SOLE
FRONTLINE CO|FNT COM 35921T207 62 4 60 SOLE - SOLE
FUTUREONE IN| COM 36114M9A8 50 50 50 SOLE - SOLE
GAINSCO INC |GNA COM 363127101 238 40 284 SOLE - SOLE
GLOBAL CROSS|GBLX COM G3921A100 164 4 100 SOLE - SOLE
GOOD GUYS IN|GGUY COM 382091106 124 30 182 SOLE - SOLE
HIBERNIA FOO|HIBN COM 428660104 320 42 270 SOLE - SOLE
HIE INC |HDIE COM 40419W100 540 90 177 SOLE - SOLE
HOTELWORKS.C|HWS COM 441473105 107 55 199 SOLE - SOLE
ION NETWORKS|IONN COM 46205P100 101 3 105 SOLE - SOLE
MACROCHEM CO|MCHM COM 555903103 245 35 234 SOLE - SOLE
MASTEC INC C|MTZ COM 576323109 623 7 211 SOLE - SOLE
MEDIABAY INC|MBAY COM 58446J108 113 15 198 SOLE - SOLE
MIDCAP SPDR |MDY COM 595635103 2,281 25 1,622 SOLE - SOLE
MORRISON KNU|MK COM 61844A109 148 20 215 SOLE - SOLE
MUELLER INDS|MLI COM 624756102 304 10 216 SOLE - SOLE
NASDAQ 100 S|QQQ COM 631100104 1,533 14 808 SOLE - SOLE
NASDQ-100 IN| COM 628908AA3 26,750 25,000 25,000 SOLE - SOLE
OTC S & P 50| COM S67140430 (1,075) (17) (462)SOLE - SOLE
OTC S&P 500 | COM S67139140 271 19 1,900 SOLE - SOLE
PAGING NETWO|PAGE COM 695542100 79 35 176 SOLE - SOLE
PENWEST PHAR|PPCO COM 709754105 209 17 136 SOLE - SOLE
PLANET ENTMT|PNEC COM 727024101 102 65 185 SOLE - SOLE
PMCC FINL CO|PFC COM 693429102 0 29 207 SOLE - SOLE
PUBLIC STORA|PSA COM 74460D109 181 9 201 SOLE - SOLE
QUICKSILVER |KWK COM 74837R104 240 40 200 SOLE - SOLE
RECKSON ASSO|RA COM 75621K106 263 14 170 SOLE - SOLE
REMEDIATION | COM 759547995 0 13 0 SOLE - SOLE
REMEDIATION | COM 7595479A2 250 250 250 SOLE - SOLE
RESEARCH PAR|RPII COM 761013101 58 12 49 SOLE - SOLE
RICH EARTH I|RCER COM 762890200 281 15 226 SOLE - SOLE
S & P 500 IN| COM 648816981 25,582 25,000 25,000 SOLE - SOLE
SALEOUTLET. |SLET COM 794651109 46 17 72 SOLE - SOLE
SAPIENS INTL|SPNS COM N7716A102 80 7 107 SOLE - SOLE
SKYNET HOLDI|SKYN COM 830869103 104 26 206 SOLE - SOLE
SOMERA COMMU|SMRA COM 834458101 49 4 77 SOLE - SOLE
SONIC JET PE|SJET COM 835455106 120 87 235 SOLE - SOLE
SPDR TR |SPY COM 78462F103 1,955 13 1,483 SOLE - SOLE
SPIEKER PPTY|SPK COM 848497103 223 5 128 SOLE - SOLE
SPORT-HALEY |SPOR COM 848925103 204 41 288 SOLE - SOLE
STANDARD AUT|AJX COM 853097103 210 31 290 SOLE - SOLE
STANDARD AUT|AJX* COM 853097202 180 22 222 SOLE - SOLE
SUN CMNTYS I|SUI COM 866674104 202 7 183 SOLE - SOLE
SUPREME INDS|STS COM 868607102 85 18 200 SOLE - SOLE
SYNTROLEUM C|SYNM COM 871630109 70 3 44 SOLE - SOLE
TANDYCRAFTS |TAC COM 875386104 171 62 202 SOLE - SOLE
TELULAR CORP|WRLS COM 87970T208 297 20 203 SOLE - SOLE
TORQUE ENGR |TORQ COM 891321101 98 29 212 SOLE - SOLE
TRANSMEDIA N|TMN COM 893767301 75 15 78 SOLE - SOLE
TRICOM SA |TDR COM 89612A100 120 5 106 SOLE - SOLE
UNUMPROVIDEN|UNM COM 91529Y106 102 6 100 SOLE - SOLE
VERTEX INTER|VETX COM 925322109 51 5 63 SOLE - SOLE
VIVUS INC |VVUS COM 928551100 166 20 172 SOLE - SOLE
WEBLINK WIRE|WLNK COM 94769A101 334 25 211 SOLE - SOLE
WORLDWIDE EN|WWES COM 98157N104 122 100 150 SOLE - SOLE
-----------------------
70,817 52,057 65,769
