UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Quarter Ended: December 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 a 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 January 18, 2001.
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: 19
Form 13F Information Table Value Total: $ 40,807,000
Page 2
FINANCIAL INSTITUTIONS RETIREMENT FUND 31-Dec- 2000
(13F): CORE EQUITY AND INHOUSE EQUITY ACCOUNTS FINAL FILING*
ITEM4 ITEM5 PRIN ITEM6 ITEM8
ITEM1 ITEM2 ITEM3 FRMKT V SHS AMT INV ITEMVOTING
ISSUER TICK CLASS CUSIP ($,000)(,000) ($,000) DISCR MGT AUTH
---------------------------------------------------------------------
NDX NOTE T| BD 6288969A218,613 25,000 25,000 SOLE - SOLE
NASDQ-100 | BD 628908AA319,746 25,000 25,000 SOLE - SOLE
OTC S & P | COM S67142340 1,515 17 1,365 SOLE - SOLE
HIBERNIA F|HIBN COM 428660104 134 25 162 SOLE - SOLE
PMCC FINL |PFC COM 693429102 0 29 207 SOLE - SOLE
PLAYA MINL| CONV NT72811F989 80 55 80 SOLE - SOLE
REMEDIATIO| COM 759547995 0 13 0 SOLE - SOLE
STANDARD A|AJX*CONV PF853097202 38 13 135 SOLE - SOLE
TECHNOLOGY|TFF COM 87869A104 15 15 29 SOLE - SOLE
VERTEX INT|VETX COM 925322109 106 17 176 SOLE - SOLE
WEBLINK WI|WLNK COM 94769A101 34 10 88 SOLE - SOLE
THE JAGUAR| COM S86249360 0 0 24 SOLE - SOLE
THE JAGUAR| COM S86249400 0 0 44 SOLE - SOLE
THE JAGUAR| COM S86249430 176 0 37 SOLE - SOLE
THE JAGUAR| COM S86249450 0 0 8 SOLE - SOLE
THE JAGUAR| COM S86249580 0 0 81 SOLE - SOLE
FUTUREONE | CONV NT36114M9A8 50 50 50 SOLE - SOLE
PLAYA MINL| CONV NT72811F9A4 50 50 50 SOLE - SOLE
REMEDIATIO| CONV NT7595479A2 250 250 250 SOLE - SOLE
----------------------
40,807 50,544 52,787
*Final Filing. Total Market Value has fallen below SEC filing
requirement for three consecutive quarters since June 2000.
This portfolio is under liquidation.
