UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Quarter Ended: June 30, 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 ia 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 August 1, 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: 71
Form 13F Information Table Value Total: $ 74,858,000
Page 2
FINANCIAL INST RET FD - CORE EQUITY FD 30 Jun 2000
(13F): CORE EQUITY AND IN HOUSE EQUITY ACCOUNTS
ITEM4 ITEM5 PRIN ITEM6 ITEM8
ITEM 1 ITEM2 ITEM3 FAIRMKT SHARES AMT INV ITEM7VOTIN
NAME OF ISSUER TICKER CLASS CUSIP ($,000) (,000) ($,000)DISCR MGT AUTH
-------------------------------------------------------------------------
AGILENT TECHNO|A COM 00846U10 148 2 92 SOLE - SOLE
AMERICA SVC GR|ASGR COM 02364L10 252 12 201 SOLE - SOLE
ANTHRACITE CAP|AHR COM 03702310 200 28 205 SOLE - SOLE
ARTESYN TECHNO|ATSN COM 04312710 417 15 49 SOLE - SOLE
AT&T CORP COM |LMG A COM 00195720 922 38 215 SOLE - SOLE
CHARLES & COLV|CTHR COM 15976510 123 18 123 SOLE - SOLE
CHROMATICS COL|CCSI COM 17111630 244 50 206 SOLE - SOLE
DAKTRONICS INC|DAKT COM 23426410 187 19 187 SOLE - SOLE
DIAMONDS TR |DIA COM 25278710 313 3 315 SOLE - SOLE
DIGITAL VIDEO | CONV N25387R9A 150 150 150 SOLE - SOLE
DYCOM INDUSTRI|DY COM 26747510 276 6 67 SOLE - SOLE
EDUCATIONAL VI|EVCI COM 28150510 110 7 111 SOLE - SOLE
ELEC COMMUNICA|ELEC COM 28473910 14 5 16 SOLE - SOLE
EMULEX CORP CO|EMLX COM 29247520 197 3 7 SOLE - SOLE
ENVIRONMENTAL |EPTC COM 29406K10 58 117 274 SOLE - SOLE
ESYNCH CORP |ESYN COM 29759110 492 67 273 SOLE - SOLE
FAIRFIELD CMNT|FFD COM 30423130 79 10 94 SOLE - SOLE
GAINSCO INC |GNA COM 36312710 200 40 284 SOLE - SOLE
GLOBAL CROSSIN|GBLX COM G3921A10 105 4 100 SOLE - SOLE
GLOBALNET INC |GBNE COM 37940E10 390 15 226 SOLE - SOLE
GOOD GUYS INC |GGUY COM 38209110 109 30 182 SOLE - SOLE
HEALTHCARE COM|HCDC COM 42221Y10 253 90 177 SOLE - SOLE
HIBERNIA FOODS|HIBNY COM 42866010 358 47 305 SOLE - SOLE
ISHARES TR |IVV COM 46428720 7,565 52 7,192 SOLE - SOLE
ISHARES TR |IWM COM 46428765 1,757 17 1,719 SOLE - SOLE
MACROCHEM CORP|MCHM COM 55590310 170 35 234 SOLE - SOLE
MASTEC INC COM|MTZ COM 57632310 401 11 211 SOLE - SOLE
MIDCAP SPDR TR|MDY COM 59563510 2,130 24 1,557 SOLE - SOLE
MORRISON KNUDS|MK COM 61844A10 145 20 215 SOLE - SOLE
MUELLER INDS I|MLI COM 62475610 280 10 216 SOLE - SOLE
NASDAQ 100 SHA|QQQ COM 63110010 1,211 13 822 SOLE - SOLE
NASDQ-100 INDE| BD 628908AA 24,133 25,000 25,000 SOLE - SOLE
NDX NOTE TR II| BD 6288969A 23,436 25,000 25,000 SOLE - SOLE
OTC S & P 500 | COM S6714234 1,094 17 1,365 SOLE - SOLE
PENWEST PHARMA|PPCO COM 70975410 171 17 136 SOLE - SOLE
PLANET ENTMT C|PNEC COM 72702410 9 18 50 SOLE - SOLE
PLAYA MINLS & |CONV NTCOM 72811F9A 50 50 50 SOLE - SOLE
PLAYA MINLS & |CONV NTCOM 72811F9B 50 50 50 SOLE - SOLE
PLAYA MINLS & |WTS COM 72811F99 0 0 0 SOLE - SOLE
PMCC FINL CORP|PFC COM 69342910 0 29 207 SOLE - SOLE
PUBLIC STORAGE|PSA COM 74460D10 202 9 201 SOLE - SOLE
QUICKSILVER RE|KWK COM 74837R10 285 40 200 SOLE - SOLE
RECKSON ASSOCS|RA COM 75621K10 333 14 170 SOLE - SOLE
REMEDIATION TE|COM COM 75954799 0 13 0 SOLE - SOLE
REMEDIATION TE|CONV NTCOM 7595479A 250 250 250 SOLE - SOLE
SECTOR SPDR TR|XLK COM 81369Y80 759 14 725 SOLE - SOLE
SOMERA COMMUNI|SMRA COM 83445810 41 3 58 SOLE - SOLE
SONIC JET PERF|SJET COM 83545510 51 82 222 SOLE - SOLE
SPDR TR |SPY COM 78462F10 1,889 13 1,483 SOLE - SOLE
SPIEKER PPTYS |SPK COM 84849710 230 5 128 SOLE - SOLE
SPORT-HALEY IN|SPOR COM 84892510 168 41 288 SOLE - SOLE
STANDARD AUTOM|AJX COM 85309710 233 31 290 SOLE - SOLE
STANDARD AUTOM|AJX* CONV P85309720 207 22 222 SOLE - SOLE
SUN CMNTYS INC|SUI COM 86667410 234 7 183 SOLE - SOLE
SYNTROLEUM COR|SYNM COM 87163010 51 3 44 SOLE - SOLE
TANDYCRAFTS IN|TAC COM 87538610 175 62 202 SOLE - SOLE
TECHNOLOGY FLA|TFF COM 87869A10 19 10 17 SOLE - SOLE
TELULAR CORP |WRLS COM 87970T20 174 15 151 SOLE - SOLE
THE JAGUAR FUN| COM S8624958 0 0 81 SOLE - SOLE
THE JAGUAR FUN| COM S8624945 0 0 8 SOLE - SOLE
THE JAGUAR FUN| COM S8624943 196 0 37 SOLE - SOLE
THE JAGUAR FUN| COM S8624940 0 0 44 SOLE - SOLE
THE JAGUAR FUN| COM S8624936 25 0 24 SOLE - SOLE
TORQUE ENGR CO|TORQ COM 89132110 93 29 212 SOLE - SOLE
TRANSMEDIA NET|TMN COM 89376730 64 15 78 SOLE - SOLE
TRICOM S.A. AD|TDR COM 89612A10 31 2 32 SOLE - SOLE
UNUMPROVIDENT |UNM COM 91529Y10 60 3 50 SOLE - SOLE
VERTEX INTERAC|VETX COM 92532210 290 29 295 SOLE - SOLE
VIVUS INC |VVUS COM 92855110 173 25 205 SOLE - SOLE
WEBLINK WIRELE|WLNK COM 94769A10 331 25 211 SOLE - SOLE
WORLDWIDE ENTM|WWES COM 98157N10 97 100 150 SOLE - SOLE
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74,858 51,997 74,142
