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Previous: ADVANCED TISSUE SCIENCES INC, 424B4, 1999-11-08 |
Next: UNITED INVESTORS GROWTH PROPERTIES, 10QSB, 1999-11-08 |
<PAGE> 1
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: September 30, 1999
Check here if Amendment [ ]; Amendment Number:
This Amendment (Check only one.): [ ] is a restatement.
[ ] adds new holding entries.
Institutional Investment Manager Filing this Report:
Name: Peoples Heritage Financial Group, Inc.
Address: P.O. Box 9540
One Portland Square
Portland, ME 04112
13F File Number: 28-5844
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 on Behalf of Reporting Manager:
Name: Peter J. Verrill
Title: Chief Financial Officer
Phone: 207-761-8507
Signature, Place, and Date of Signing:
/s/ Peter J. Verrill Portland, Maine November 9,1999
-------------------- --------------- ---------------
Signature Place Date
Report Type (check only one):
(x) 13F Holdings Report
( ) 13F Notice
( ) 13F Combination Report
List of Other Managers Reporting for this Manager:
1. Bank of New Hampshire
2. Peoples Heritage Bank
3. Family Bank
I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE ACT OF 1934.
<PAGE> 2
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 3
Form 13F Information Table Entry Total: 593
---
Form 13F Information Table Value Total: $822,289
--------
List of Other Included Managers:
No. 13F File Number Name
01 Bank of New Hampshire
02 Peoples Heritage Bank
03 Family Bank
<PAGE> 3
REPORT PTR285 1H
SECURITIES AND EXCHANGE COMMISSION
FORM 13-F
9/30/99 PAGE 1
<TABLE>
<CAPTION>
ITEMS 1 AND 2 ITEM 3 ITEM 4 ITEM 5 ITEM 6 ITEM 7 ITEM 8
INVESTMENT
MARKET SHARES DISCRETION VOTING AUTHORITY
VALUE OR SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (THOUSANDS) PRINCIPAL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
ADC TELECOMMUN INC 886101 3,375 80,485 X 1 69,770 10,715
ADC TELECOMMUN INC 886101 147 3,515 X X 1 3,515
ADC TELECOMMUN INC 886101 23 560 X 2 560
ADC TELECOMMUN INC 886101 2 50 X X 2 50
AT&T CORP NY 1957109 420 9,663 X 1 9,363 300
AT&T CORP NY 1957109 608 13,974 X X 1 13,545 429
AT&T CORP NY 1957109 249 5,723 X 2 5,723
AT&T CORP NY 1957109 95 2,178 X X 2 2,178
ABBOTT LABORATORIES 2824100 5,525 150,607 X 1 140,797 9,810
ABBOTT LABORATORIES 2824100 1,800 49,070 X X 1 40,970 8,100
ABBOTT LABORATORIES 2824100 355 9,665 X 2 8,865 800
ABBOTT LABORATORIES 2824100 11 300 X X 2 300
ALLIED SIGNAL 19512102 404 6,744 X 1 6,744
ALLIED SIGNAL 19512102 419 6,992 X X 1 6,992
AMERICA ONLINE INC 02364J104 146 1,400 X 1 1,400
AMERICA ONLINE INC 02364J104 6 55 X X 1 55
AMERICA ONLINE INC 02364J104 26 250 X 2 250
AMERICA ONLINE INC 02364J104 109 1,050 X X 2 1,050
AMERICAN EXPRESS CO 25816109 162 1,200 X 1 1,200
AMERICAN EXPRESS CO 25816109 392 2,900 X X 1 2,900
AMERICAN EXPRESS CO 25816109 135 1,000 X X 2 1,000
AMERICAN GENERAL CORP 26351106 25 400 X 1 400
AMERICAN GENERAL CORP 26351106 255 4,032 X X 1 4,032
AMERICAN HOME PS 26609107 2,194 52,876 X 1 52,876
AMERICAN HOME PS 26609107 1,054 25,399 X X 1 23,799 1,600
------- -------
COLUMN TOTALS 17,937 430,088
</TABLE>
<PAGE> 4
<TABLE>
<CAPTION>
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
AMERICAN HOME PRODUCT 26609107 149 3,598 X 2 3,198 400
AMERICAN INTERN L GROUP 26874107 9,889 113,752 X 1 104,105 9,647
AMERICAN INTERN L GROUP 26874107 4,889 56,236 X X 1 51,363 4,873
AMERICAN INTERN L GROUP 26874107 2,411 27,735 X 2 26,159 1,576
AMERICAN INTERN L GROUP 26874107 265 3,047 X X 2 2,967 43 37
AMERITECH 30954101 8,666 129,824 X 1 119,179 1,050 9,595
AMERITECH 30954101 2,174 32,574 X X 1 28,449 4,125
AMERITECH 30954101 1,452 21,746 X 2 21,556 190
AMERITECH 30954101 158 2,362 X X 2 2,312 50
ANHEUSER-BUSCH IES INC 35229103 240 3,425 X 1 3,425
ANHEUSER-BUSCH IES INC 35229103 82 1,166 X X 1 1,166
APPLIED MATERIALS INC 38222105 6,723 86,540 X 1 79,265 7,275
APPLIED MATERIALS INC 38222105 588 7,575 X X 1 7,025 550
APPLIED MATERIALS INC 38222105 1,769 22,777 X 2 21,897 880
APPLIED MATERIALS INC 38222105 241 3,100 X X 2 3,100
ARROW INTERNAT INC I 42764100 252 9,857 X 1 9,857
ARROW INTERNAT INC I 42764100 170 6,639 X X 1 6,639
ATLANTIC RICHFIELD CO 48825103 385 4,342 X 1 4,342
ATLANTIC RICHFIELD CO 48825103 461 5,198 X X 1 5,198
ATLANTIC RICHFIELD CO 48825103 35 400 X 2 400
AUTOMATIC DATA SING INC 53015103 4,004 89,720 X 1 75,688 14,032
AUTOMATIC DATA SING INC 53015103 2,108 47,237 X X 1 37,712 9,525
AUTOMATIC DATA SING INC 53015103 464 10,400 X 2 9,600 800
AUTOMATIC DATA SING INC 53015103 2 50 X X 2 50
AVERY DENNISON CORP 53611109 16 300 X 1 300
-------- --------
COLUMN TOTALS 47,593 689,600
</TABLE>
<PAGE> 5
<TABLE>
<CAPTION>
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
AVERY DENNISON CORP 53611109 243 4,600 X X 1 4,600
BP AMOCO PLC ADR 55622104 124 1,123 X 1 1,123
BP AMOCO PLC ADR 55622104 1,103 9,955 X X 1 9,519 436
BP AMOCO PLC ADR 55622104 139 1,253 X 2 1,253
BP AMOCO PLC ADR 55622104 58 523 X X 2 523
BMC SOFTWARE 55921100 6,711 93,784 X 1 90,704 3,080
BMC SOFTWARE 55921100 1,617 22,595 X X 1 21,095 1,500
BMC SOFTWARE 55921100 1,169 16,329 X 2 16,089 240
BMC SOFTWARE 55921100 39 550 X X 2 500 50
BANK AMERICA CORP 60505104 428 7,688 X 1 7,588 100
BANK AMERICA CORP 60505104 279 5,006 X X 1 2,606 2,400
BANK AMERICA CORP 60505104 425 7,627 X 2 7,627
BANK AMERICA CORP 60505104 23 405 X X 2 405
BANK OF NEW YORK INC 64057102 501 14,980 X 1 14,980
BANK OF NEW YORK INC 64057102 465 13,920 X X 1 13,920
BANK OF NEW YORK INC 64057102 23 700 X 2 700
BANK ONE CORP 06423A103 296 8,516 X 1 8,216 300
BANK ONE CORP 06423A103 180 5,182 X X 1 4,698 484
BANKBOSTON CORP 06605R106 555 12,800 X 1 12,800
BANKBOSTON CORP 06605R106 214 4,930 X X 1 4,930
BANKBOSTON CORP 06605R106 87 2,004 X 2 2,004
BARON ASSET FD SBI 68278100 398 7,711 X 2 7,672 39
BARON ASSET FD SBI 68278100 348 6,753 X X 2 6,753
BELL ATLANTIC CORPORATION 77853109 3,888 57,765 X 1 57,413 352
BELL ATLANTIC CORPORATION 77853109 2,482 36,872 X X 1 36,222 650
-------- --------
COLUMN TOTALS 21,795 343,571
</TABLE>
<PAGE> 6
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
BELL ATLANTIC CORPORATION 77853109 641 9,530 X 2 8,930 600
BELL ATLANTIC CORPORATION 77853109 209 3,098 X X 2 3,098
BELLSOUTH CORPORATION 79860102 7,477 166,156 X 1 155,831 10,325
BELLSOUTH CORPORATION 79860102 2,024 44,972 X X 1 43,216 1,756
BELLSOUTH CORPORATION 79860102 1,137 25,257 X 2 24,967 290
BELLSOUTH CORPORATION 79860102 102 2,264 X X 2 2,264
BERKSHIRE HATHAWAY DEL 84670108 385 7 X X 1 7
BERKSHIRE HATHAWAY IN C CL B 84670207 180 97 X 1 97
BERKSHIRE HATHAWAY IN C CL B 84670207 2,214 1,193 X X 1 1,193
BERKSHIRE HATHAWAY IN C CL B 84670207 59 32 X 2 32
BESTFOODS 08658U101 68 1,400 X 1 1,400
BESTFOODS 08658U101 116 2,380 X X 1 2,380
BESTFOODS 08658U101 180 3,700 X 2 3,700
BRISTOL-MYERS SQUIBB 110122108 4,012 59,442 X 1 59,042 400
BRISTOL-MYERS SQUIBB 110122108 3,903 57,823 X X 1 56,223 1,600
BRISTOL-MYERS SQUIBB 110122108 473 7,012 X 2 7,012
BRISTOL-MYERS SQUIBB 110122108 14 200 X X 2 200
CIGNA CORP 125509109 315 4,050 X 1 4,050
CIGNA CORP 125509109 418 5,376 X X 1 5,376
CARNIVAL CRUISE LINES INC 143658102 8,403 193,180 X 1 187,015 6,165
CARNIVAL CRUISE LINES INC 143658102 1,973 45,365 X X 1 38,690 6,675
CARNIVAL CRUISE LINES INC 143658102 1,798 41,335 X 2 39,375 1,960
CARNIVAL CRUISE LINES INC 143658102 230 5,285 X X 2 5,175 50 60
CHASE MANHATTAN CORP NEW 16161A108 94 1,244 X 1 1,244
CHASE MANHATTAN CORP NEW 16161A108 74 976 X X 1 976
------ -------
COLUMN TOTALS 36,499 681,374
</TABLE>
<PAGE> 7
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
CHASE MANHATTAN CORP NEW 16161A108 20 270 X 2 270
CHASE MANHATTAN CORP NEW 16161A108 60 800 X X 2 800
CHEVRON CORP 166751107 909 10,237 X 1 10,237
CHEVRON CORP 166751107 399 4,500 X X 1 4,100 400
CHEVRON CORP 166751107 16 175 X 2 175
CHUBB CORP 171232101 116 2,337 X 1 2,337
CHUBB CORP 171232101 145 2,921 X X 1 2,921
CISCO SYSTEMS INC 17275R102 16,085 234,597 X 1 216,374 18,223
CISCO SYSTEMS INC 17275R102 4,568 66,625 X X 1 54,055 12,570
CISCO SYSTEMS INC 17275R102 5,240 76,424 X 2 71,334 5,090
CISCO SYSTEMS INC 17275R102 704 10,264 X X 2 10,124 80 60
CITIGROUP INC 172967101 2,544 57,812 X 1 56,562 1,250
CITIGROUP INC 172967101 359 8,157 X X 1 7,407 750
CITIGROUP INC 172967101 1,523 34,608 X 2 31,188 3,420
CITIGROUP INC 172967101 32 725 X X 2 650 75
COCA COLA CO 191216100 2,550 52,849 X 1 50,954 1,895
COCA COLA CO 191216100 1,446 29,970 X X 1 26,395 3,575
COCA COLA CO 191216100 407 8,430 X 2 7,630 800
COCA COLA CO 191216100 138 2,850 X X 2 2,850
COLGATE PALMOLIVE 194162103 327 7,140 X 1 7,140
COLGATE PALMOLIVE 194162103 55 1,200 X X 1 1,200
COLGATE PALMOLIVE 194162103 280 6,126 X 2 5,326 800
COMPAQ COMPUTER CORP 204493100 92 4,000 X 1 4,000
COMPAQ COMPUTER CORP 204493100 114 5,000 X X 1 5,000
COMPAQ COMPUTER CORP 204493100 19 820 X 2 820
------ -------
COLUMN TOTALS 38,148 628,837
</TABLE>
<PAGE> 8
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
COMPAQ COMPUTER CORP 204493100 23 1,000 X X 2 1,000
COMPUTER ASSOC INTL INC 204912109 3,525 57,670 X 1 46,445 11,225
COMPUTER ASSOC INTL INC 204912109 724 11,840 X X 1 10,840 1,000
COMPUTER ASSOC INTL INC 204912109 278 4,545 X 2 4,445 100
COMPUTER ASSOC INTL INC 204912109 10 170 X X 2 170
CONAGRA INC 205887102 399 17,700 X X 1 17,700
CONSOLIDATED NATURAL GAS 209615103 234 3,750 X 1 3,750
CONSOLIDATED NATURAL GAS 209615103 2 40 X X 1 40
DANAHER CORP SHS BEN INT 235851102 3,107 58,970 X 1 57,620 1,350
DANAHER CORP SHS BEN INT 235851102 303 5,755 X X 1 4,555 1,200
DANAHER CORP SHS BEN INT 235851102 431 8,186 X 2 8,016 170
DANAHER CORP SHS BEN INT 235851102 12 225 X X 2 225
DELL COMPUTER CORP 247025109 17 400 X 1 400
DELL COMPUTER CORP 247025109 69 1,650 X 2 1,650
DELL COMPUTER CORP 247025109 171 4,100 X X 2 4,100
WALT DISNEY CO 254687106 362 13,932 X 1 13,482 450
WALT DISNEY CO 254687106 454 17,478 X X 1 16,878 600
WALT DISNEY CO 254687106 175 6,725 X 2 6,725
WALT DISNEY CO 254687106 96 3,703 X X 2 3,703
DOVER CORP 260003108 91 2,215 X 1 2,215
DOVER CORP 260003108 110 2,700 X X 1 2,700
DOW CHEMICAL CO 260543103 205 1,800 X 1 1,800
DOW CHEMICAL CO 260543103 449 3,953 X X 1 3,953
E I DUPONT DE NEMOURS 263534109 500 8,272 X 1 8,272
E I DUPONT DE NEMOURS 263534109 802 13,260 X X 1 8,660 4,600
------ -------
COLUMN TOTALS 12,549 250,039
</TABLE>
<PAGE> 9
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
E I DUPONT DE NEMOURS 263534109 95 1,572 X 2 1,572
DUKE POWER 264399106 267 4,848 X 1 4,848
DUKE POWER 264399106 277 5,033 X X 1 4,783 250
ECOLAB INC 278865100 5,845 171,280 X 1 155,560 15,720
ECOLAB INC 278865100 572 16,750 X X 1 16,750
ECOLAB INC 278865100 465 13,626 X 2 13,176 450
EMERSON ELECTRIC CO 291011104 402 6,370 X 1 6,370
EMERSON ELECTRIC CO 291011104 446 7,052 X X 1 7,052
EMERSON ELECTRIC CO 291011104 85 1,350 X 2 1,350
EMERSON ELECTRIC CO 291011104 111 1,750 X X 2 1,750
ENERGYNORTH INC 292925104 1,104 26,607 X 1 26,607
ENERGYNORTH INC 292925104 692 16,685 X X 1 10,678 6,007
ENRON CORP 293561106 123 3,000 X 1 3,000
ENRON CORP 293561106 127 3,100 X X 1 1,700 1,400
EXXON CORPORATION 302290101 15,334 201,759 X 1 192,068 718 8,973
EXXON CORPORATION 302290101 6,581 86,596 X X 1 80,896 5,700
EXXON CORPORATION 302290101 1,836 24,158 X 2 23,588 570
EXXON CORPORATION 302290101 454 5,970 X X 2 5,970
FREDDIE MAC 313400301 206 3,960 X 1 3,960
FREDDIE MAC 313400301 270 5,200 X X 1 5,200
FANNIE MAE 313586109 7,348 117,214 X 1 105,517 600 11,097
FANNIE MAE 313586109 2,042 32,569 X X 1 27,144 5,425
FANNIE MAE 313586109 1,649 26,305 X 2 25,545 760
FANNIE MAE 313586109 124 1,980 X X 2 1,900 50 30
FEDERATED INCOME TRUST #36 314199100 2,997 299,296 X 1 285,678 13,618
------ ---------
COLUMN TOTALS 49,452 1,084,030
</TABLE>
<PAGE> 10
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
FEDERATED INCOME TRUST #36 314199100 1,056 105,502 X X 1 105,502
FEDERATED INCOME TRUST #36 314199100 177 17,640 X 2 17,640
FEDERATED INCOME TRUST #36 314199100 11 1,144 X X 2 1,144
FEDERATED INCOME TR INSTL SVC 314199209 109 10,891 X 1 10,891
FEDERATED INCOME TR INSTL SVC 314199209 36 3,613 X 2 3,613
FEDERATED INT INCOME #303 31420C407 2,925 300,234 X 1 286,335 13,899
FEDERATED INT INCOME #303 31420C407 621 63,767 X X 1 63,767
FEDERATED INT INCOME #303 31420C407 11 X 2 11
FEDERATED US GOVT SEC #9 1-3 YR 31428M100 2,621 251,918 X 1 238,627 13,291
FEDERATED US GOVT SEC #9 1-3 YR 31428M100 652 62,652 X X 1 61,652 1,000
FEDERATED US GOVT SEC #47 2-5 YR 31428P103 2,687 255,089 X 1 242,021 13,068
FEDERATED US GOVT SEC #47 2-5 YR 31428P103 630 59,842 X X 1 58,842 1,000
FEDERATED US GOVT SEC #47 2-5 YR 31428P103 350 33,261 X 2 33,261
FIDELITY SPARTAN MUNI INC FD # 37 316089507 442 36,282 X 1 36,282
FIDELITY LOW PRICED STOCK FD # 316 316345305 173 8,001 X 1 8,001
FIDELITY LOW PRICED STOCK FD # 316 316345305 51 2,351 X X 1 2,351
FIRST UNION CORP 337358105 554 15,550 X 1 15,550
FIRST UNION CORP 337358105 149 4,174 X X 1 4,174
FIRSTMARK CORP NEW PAR $0.20 337908206 3 10,000 X 2 10,000
FLEET FINANCIAL GROUP INC 338915101 77 2,090 X 1 2,090
FLEET FINANCIAL GROUP INC 338915101 909 24,828 X X 1 20,828 4,000
FLEET FINANCIAL GROUP INC 338915101 184 5,035 X 2 5,035
FORD MOTOR CO 345370100 57 1,136 X 1 1,136
FORD MOTOR CO 345370100 186 3,696 X X 1 3,696
FORD MOTOR CO 345370100 28 550 X 2 550
------ ---------
COLUMN TOTALS 14,688 1,279,257
</TABLE>
<PAGE> 11
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
FORD MOTOR CO 345370100 10 200 X X 2 200
FORUM HIGH GRADE BOND FUND 349903690 28,063 2,932,343 X 1 2,901,456 30,887
FORUM HIGH GRADE BOND FUND 349903690 6,351 663,648 X X 1 622,856 8,174 32,618
FORUM HIGH GRADE BOND FUND 349903690 159 16,641 X 2 13,063 3,578
FORUM FDS NH MUNI BD FD 349903831 249 23,905 X 1 22,553 1,352
FORUM MAINE MUNI BOND FUND #55 349903856 210 19,690 X 2 19,690
FORUM MAINE MUNI BOND FUND #55 349903856 704 65,915 X X 2 65,915
FRANKLIN CALIF TAX FREE INC CLA 352518104 193 27,709 X 1 27,709
FRANKLIN RESOURCES INC 354613101 5,270 172,426 X 1 155,541 16,885
FRANKLIN RESOURCES INC 354613101 801 26,205 X X 1 21,405 4,800
FRANKLIN RESOURCES INC 354613101 317 10,375 X 2 9,600 775
FRANKLIN RESOURCES INC 354613101 67 2,180 X X 2 2,180
GTE CORP 362320103 1,321 17,186 X 1 17,186
GTE CORP 362320103 415 5,403 X X 1 4,953 450
GTE CORP 362320103 196 2,550 X 2 2,400 150
GTE CORP 362320103 231 3,000 X X 2 3,000
GANNETT CO INC 364730101 3,366 48,645 X 1 42,120 6,525
GANNETT CO INC 364730101 500 7,230 X X 1 6,755 475
GANNETT CO INC 364730101 263 3,800 X 2 3,700 100
GANNETT CO INC 364730101 22 320 X X 2 320
THE GAP INC 364760108 5,287 165,209 X 1 158,093 987 6,129
THE GAP INC 364760108 1,418 44,317 X X 1 32,468 11,849
THE GAP INC 364760108 569 17,791 X 2 17,716 75
THE GAP INC 364760108 43 1,350 X X 2 1,350
GENERAL ELECTRIC 369604103 16,805 141,743 X 1 132,993 1,050 7,700
------ -------
COLUMN TOTALS 72,830 4,419,781
</TABLE>
<PAGE> 12
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
GENERAL ELECTRIC 369604103 10,076 84,984 X X 1 79,334 5,650
GENERAL ELECTRIC 369604103 3,762 31,734 X 2 30,174 1,560
GENERAL ELECTRIC 369604103 567 4,786 X X 2 4,711 50 25
GENERAL MILLS 370334104 191 2,350 X 1 2,350
GENERAL MILLS 370334104 45 560 X X 1 160 400
GILLETTE CO 375766102 6,327 186,447 X 1 176,612 9,835
GILLETTE CO 375766102 1,574 46,370 X X 1 39,620 6,750
GILLETTE CO 375766102 1,109 32,691 X 2 31,211 1,480
GILLETTE CO 375766102 152 4,490 X X 2 4,400 50 40
HEARTLAND VALUE FUND 422359109 1,252 41,347 X 2 40,845 502
H J HEINZ CO 423074103 32 750 X 1 750
H J HEINZ CO 423074103 264 6,150 X X 1 6,000 150
H J HEINZ CO 423074103 47 1,100 X 2 1,100
H J HEINZ CO 423074103 43 1,000 X X 2 1,000
HEWLETT PACKARD 428236103 1,976 21,773 X 1 21,223 550
HEWLETT PACKARD 428236103 1,606 17,699 X X 1 14,619 3,080
HEWLETT PACKARD 428236103 156 1,720 X 2 1,720
HEWLETT PACKARD 428236103 41 450 X X 2 450
HOME DEPOT INC 437076102 6,346 92,482 X 1 89,057 3,425
HOME DEPOT INC 437076102 2,164 31,529 X X 1 29,305 2,224
HOME DEPOT INC 437076102 2,982 43,459 X 2 35,559 7,900
HOME DEPOT INC 437076102 369 5,375 X X 2 5,325 50
ILLINOIS TOOL WKS INC 452308109 7,409 99,365 X 1 89,660 600 9,105
ILLINOIS TOOL WKS INC 452308109 1,910 25,610 X X 1 22,760 2,850
ILLINOIS TOOL WKS INC 452308109 311 4,175 X 2 4,075 100
------ -------
COLUMN TOTALS 50,711 788,396
</TABLE>
<PAGE> 13
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
ILLINOIS TOOL WKS INC 452308109 4 60 X X 2 60
INTEL CORP 458140100 16,944 228,010 X 1 211,692 1,050 15,268
INTEL CORP 458140100 4,628 62,274 X X 1 54,064 8,210
INTEL CORP 458140100 4,686 63,057 X 2 60,987 2,070
INTEL CORP 458140100 808 10,870 X X 2 10,730 80 60
INTERNATIONAL BUSINESS MACHINES 459200101 770 6,362 X 1 6,362
INTERNATIONAL BUSINESS MACHINES 459200101 1,180 9,752 X X 1 9,112 640
INTERNATIONAL BUSINESS MACHINES 459200101 151 1,250 X 2 1,250
INTERNATIONAL BUSINESS MACHINES 459200101 127 1,052 X X 2 1,052
INTERPUBLIC GROUP 460690100 6,548 159,219 X 1 142,193 1,152 15,874
INTERPUBLIC GROUP 460690100 2,197 53,435 X X 1 43,535 9,900
INTERPUBLIC GROUP 460690100 935 22,742 X 2 22,442 300
INTERPUBLIC GROUP 460690100 17 420 X X 2 420
JOHNSON & JOHNSON 478160104 5,619 61,163 X 1 54,083 600 6,480
JOHNSON & JOHNSON 478160104 2,965 32,269 X X 1 28,569 3,700
JOHNSON & JOHNSON 478160104 1,561 16,991 X 2 16,281 710
JOHNSON & JOHNSON 478160104 159 1,735 X X 2 1,700 35
KEY CORP NEW 493267108 42 1,626 X X 1 1,626
KEY CORP NEW 493267108 258 10,000 X 2 10,000
KIMBERLY CLARK CORP 494368103 380 7,200 X 1 7,200
KIMBERLY CLARK CORP 494368103 205 3,888 X X 1 3,688 200
KIMBERLY CLARK CORP 494368103 11 200 X 2 200
KROGER COMPANY 501044101 3,082 139,678 X 1 134,628 5,050
KROGER COMPANY 501044101 385 17,470 X X 1 16,370 1,100
KROGER COMPANY 501044101 758 34,364 X 2 33,674 690
------ -------
COLUMN TOTALS 54,420 945,087
</TABLE>
<PAGE> 14
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
KROGER COMPANY 501044101 19 850 X X 2 800 50
LEGGETT & PLATT 524660107 4,815 244,558 X 1 223,148 21,410
LEGGETT & PLATT 524660107 1,080 54,840 X X 1 45,615 9,225
LEGGETT & PLATT 524660107 88 4,450 X 2 4,250 200
LEGGETT & PLATT 524660107 52 2,630 X X 2 2,630
ELI LILLY & CO 532457108 412 6,425 X 1 6,425
ELI LILLY & CO 532457108 50 776 X 2 776
LORD CORPORATION CLASS B 5439991A4 239 900 X 1 900
LUCENT TECHNOLOGIES 549463107 1,890 29,128 X 1 28,616 256 256
LUCENT TECHNOLOGIES 549463107 1,519 23,420 X X 1 20,862 2,558
LUCENT TECHNOLOGIES 549463107 648 9,996 X 2 9,740 256
LUCENT TECHNOLOGIES 549463107 125 1,924 X X 2 1,924
MBIA INC 55262C100 147 3,145 X 1 3,070 75
MBIA INC 55262C100 100 2,155 X X 1 2,155
MBNA CORP 55262L100 8,057 353,176 X 1 323,419 1,700 28,057
MBNA CORP 55262L100 1,938 84,969 X X 1 70,444 14,525
MBNA CORP 55262L100 843 36,936 X 2 36,316 620
MBNA CORP 55262L100 18 800 X X 2 800
MCT INC 552671AA7 424 4,237 X 1 4,237
MASCO CORP 574599106 395 12,750 X 1 12,750
MASCO CORP 574599106 124 4,000 X X 1 4,000
MASCO CORP 574599106 54 1,728 X 2 1,728
MASCO CORP 574599106 5 150 X X 2 150
MCDONALDS CORP 580135101 138 3,200 X 1 3,200
MCDONALDS CORP 580135101 768 17,746 X X 1 16,246 1,500
------ -------
COLUMN TOTALS 23,948 904,889
</TABLE>
<PAGE> 15
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
MCDONALDS CORP 580135101 17 400 X 2 400
MCDONALDS CORP 580135101 35 800 X X 2 800
MEDFORD BANCORP INC 584131106 154 10,000 X 1 10,000
MEDIAONE GROUP INC 58440J104 124 1,819 X 1 1,819
MEDIAONE GROUP INC 58440J104 63 920 X X 1 920
MEDIAONE GROUP INC 58440J104 1 8 X 2 8
MEDIAONE GROUP INC 58440J104 16 236 X X 2 236
MEDTRONIC INC 585055106 8,367 235,264 X 1 216,364 18,900
MEDTRONIC INC 585055106 2,405 67,616 X X 1 57,866 9,750
MEDTRONIC INC 585055106 1,886 53,048 X 2 50,538 2,510
MEDTRONIC INC 585055106 204 5,730 X X 2 5,570 100 60
MERCK & CO 589331107 8,171 126,075 X 1 116,135 9,940
MERCK & CO 589331107 2,950 45,517 X X 1 39,967 5,550
MERCK & CO 589331107 2,088 32,214 X 2 30,664 1,550
MERCK & CO 589331107 417 6,430 X X 2 6,320 80 30
MERRILL LYNCH & CO 590188108 2,685 39,850 X 1 38,645 1,205
MERRILL LYNCH & CO 590188108 910 13,510 X X 1 12,260 1,250
MERRILL LYNCH & CO 590188108 891 13,218 X 2 12,708 510
MERRILL LYNCH & CO 590188108 95 1,415 X X 2 1,415
MICROSOFT CORP 594918104 18,373 202,875 X 1 187,580 900 14,395
MICROSOFT CORP 594918104 8,239 90,974 X X 1 80,974 10,000
MICROSOFT CORP 594918104 5,014 55,365 X 2 50,095 5,270
MICROSOFT CORP 594918104 1,001 11,055 X X 2 10,950 60 45
MINNESOTA MINING & MFG 604059105 739 7,694 X 1 7,694
MINNESOTA MINING & MFG 604059105 327 3,400 X X 1 3,400
------ ---------
COLUMN TOTALS 65,172 1,025,433
</TABLE>
<PAGE> 16
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
MINNESOTA MINING & MFG 604059105 77 800 X 2 800
MOBIL CORP 607059102 2,891 28,696 X 1 26,496 2,200
MOBIL CORP 607059102 1,044 10,365 X X 1 9,365 1,000
MOBIL CORP 607059102 1,983 19,686 X 2 18,986 700
MOBIL CORP 607059102 141 1,400 X X 2 1,400
MONSANTO CO 611662107 263 7,380 X 1 7,380
MONSANTO CO 611662107 36 1,000 X X 1 1,000
J P MORGAN 616880100 520 4,550 X 1 4,550
J P MORGAN 616880100 685 6,000 X X 1 5,800 200
J P MORGAN 616880100 11 100 X 2 100
J P MORGAN 616880100 27 232 X X 2 232
MORGAN STANLY DN WTTR DISCVR NEW 617446448 70 780 X 1 780
MORGAN STANLY DN WTTR DISCVR NEW 617446448 415 4,656 X X 1 4,656
MOTOROLA INC 620076109 48 550 X 1 550
MOTOROLA INC 620076109 123 1,400 X X 1 1,400
MOTOROLA INC 620076109 35 400 X 2 400
MOTOROLA INC 620076109 18 200 X X 2 200
NATIONAL FUEL GAS 636180101 150 3,170 X 1 3,170
NATIONAL FUEL GAS 636180101 183 3,888 X X 1 3,888
NEW ENGLAND ELECTRIC SYSTEM 644001109 62 1,200 X 1 1,200
NEW ENGLAND ELECTRIC SYSTEM 644001109 226 4,360 X X 1 4,360
NEW ENGLAND ELECTRIC SYSTEM 644001109 52 1,000 X X 2 1,000
NORTHERN TRUST CORP 665859104 8 100 X 1 100
NORTHERN TRUST CORP 665859104 526 6,300 X X 1 5,500 800
NUVEEN PREMIUM INCOME MUNICIPAL FD 67062T100 148 11,590 X 1 11,590
------ -------
COLUMN TOTALS 9,742 119,803
</TABLE>
<PAGE> 17
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
NUVEEN MUNI BOND FND CL R 67065Q400 181 19,983 X 1 19,983
NUVEEN FLAGSHIP MUNI ALL-AM #503 67065Q855 283 24,618 X 1 24,618
PENNICHUCK INC -NEW 708254206 857 35,329 X 1 35,329
PENNICHUCK INC -NEW 708254206 1,801 74,262 X X 1 57,137 17,125
PEOPLES HERITAGE FINL GROUP IN C 711147108 8,439 507,596 X 1 493,534 14,062
PEOPLES HERITAGE FINL GROUP IN C 711147108 6,575 395,514 X X 1 216,402 179,112
PEOPLES HERITAGE FINL GROUP IN C 711147108 90 5,400 X 2 1,200 4,200
PEOPLES HERITAGE FINL GROUP IN C 711147108 53 3,200 X X 2 3,200
PEPSICO 713448108 384 12,578 X 1 12,578
PEPSICO 713448108 488 15,990 X X 1 14,890 1,100
PEPSICO 713448108 73 2,400 X 2 2,400
PEPSICO 713448108 31 1,000 X X 2 1,000
PFIZER INC 717081103 8,207 228,760 X 1 221,590 2,400 4,770
PFIZER INC 717081103 1,759 49,028 X X 1 38,228 10,800
PFIZER INC 717081103 2,114 58,932 X 2 54,072 4,860
PFIZER INC 717081103 346 9,635 X X 2 9,475 100 60
PHILIP MORRIS COS INC 718154107 103 3,000 X 1 3,000
PHILIP MORRIS COS INC 718154107 246 7,200 X X 1 7,200
PHILIP MORRIS COS INC 718154107 63 1,850 X 2 1,850
PROCTER & GAMBLE CO 742718109 11,591 123,637 X 1 114,928 550 8,159
PROCTER & GAMBLE CO 742718109 3,534 37,697 X X 1 33,322 4,375
PROCTER & GAMBLE CO 742718109 1,920 20,480 X 2 19,440 1,040
PROCTER & GAMBLE CO 742718109 306 3,260 X X 2 3,200 30 30
PUTNAM MUN INCOME FD CL A 746919109 144 16,332 X 1 16,332
ROYAL DUTCH PETE CO N Y REG SHS 1.25 780257804 370 6,260 X 1 6,260
------ -------
COLUMN TOTALS 49,958 1,663,941
</TABLE>
<PAGE> 18
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
ROYAL DUTCH PETE CO N Y REG SHS 1.25 780257804 250 4,230 X X 1 3,830 400
ROYAL DUTCH PETE CO N Y REG SHS 1.25 780257804 18 300 X 2 300
SBC COMMUNICATIONS INC 78387G103 3,236 63,374 X 1 55,998 7,376
SBC COMMUNICATIONS INC 78387G103 1,716 33,603 X X 1 28,503 5,100
SBC COMMUNICATIONS INC 78387G103 1,379 27,006 X 2 26,716 290
SBC COMMUNICATIONS INC 78387G103 132 2,590 X X 2 2,590
SARA LEE CORP 803111103 388 16,600 X 1 16,600
SARA LEE CORP 803111103 371 15,860 X X 1 14,660 1,200
SARA LEE CORP 803111103 16 700 X 2 400 300
SARA LEE CORP 803111103 6 250 X X 2 250
SCHERING PLOUGH 806605101 5,380 123,319 X 1 110,964 12,355
SCHERING PLOUGH 806605101 1,015 23,260 X X 1 19,060 4,200
SCHERING PLOUGH 806605101 1,555 35,650 X 2 33,760 1,890
SCHERING PLOUGH 806605101 174 3,995 X X 2 3,950 45
SCHLUMBERGER LIMITED 806857108 84 1,354 X 1 1,354
SCHLUMBERGER LIMITED 806857108 50 810 X X 1 810
SCHLUMBERGER LIMITED 806857108 84 1,345 X 2 1,345
SCHLUMBERGER LIMITED 806857108 97 1,550 X X 2 1,550
SCUDDER MASSACHUSETTS TAX-FREE FD 811184308 228 16,602 X 1 16,602
SOLECTRON CORP 834182107 7,543 105,040 X 1 101,815 3,225
SOLECTRON CORP 834182107 1,717 23,915 X X 1 23,115 800
SOLECTRON CORP 834182107 880 12,254 X 2 12,064 190
SOUTH BROWARD TRUST ID 8367560A5 281 1 X 1 1
#50-1779443 (FLORIDA LAND
SPRINT CORP 852061100 43 800 X 1 800
SPRINT CORP 852061100 271 5,000 X X 1 5,000
------ -------
COLUMN TOTALS 26,914 519,408
</TABLE>
<PAGE> 19
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
SPRINT CORP 852061100 5 100 X 2 100
SPRINT CORP 852061100 160 2,956 X X 2 2,956
STAPLES INC 855030102 3,239 148,499 X 1 130,019 18,480
STAPLES INC 855030102 940 43,097 X X 1 32,522 10,575
STAPLES INC 855030102 943 43,226 X 2 41,666 1,560
STAPLES INC 855030102 51 2,350 X X 2 2,250 100
STATE STREET CORP 857477103 290 4,487 X 1 4,487
STATE STREET CORP 857477103 115 1,779 X X 1 1,579 200
STATE STREET CORP 857477103 130 2,018 X 2 1,418 600
STATE STREET CORP 857477103 304 4,700 X X 2 4,700
STRYKER CORP 863667101 4,675 91,435 X 1 88,135 3,300
STRYKER CORP 863667101 583 11,410 X X 1 10,710 700
STRYKER CORP 863667101 31 600 X 2 600
SUN MICROSYSTEMS INC 866810104 95 1,025 X 1 1,025
SUN MICROSYSTEMS INC 866810104 112 1,200 X X 1 1,200
SUN MICROSYSTEMS INC 866810104 132 1,424 X 2 1,424
SUN MICROSYSTEMS INC 866810104 186 2,000 X X 2 2,000
SUNAMERICA US GOVT SECURITES FD CL B 866918501 97 11,492 X 2 11,492
SYSCO CORP 871829107 2,674 76,275 X 1 61,880 14,395
SYSCO CORP 871829107 287 8,191 X X 1 7,191 1,000
SYSCO CORP 871829107 667 19,010 X 2 17,810 1,200
SYSCO CORP 871829107 201 5,720 X X 2 5,720
TELLABS INC 879664100 1,164 20,445 X 1 19,745 700
TELLABS INC 879664100 2 30 X X 1 30
TELLABS INC 879664100 544 9,547 X 2 9,357 190
------ -------
COLUMN TOTALS 17,627 513,016
</TABLE>
<PAGE> 20
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
TEXACO INC 881694103 203 3,219 X 1 3,219
TEXACO INC 881694103 132 2,092 X X 1 1,832 260
TEXACO INC 881694103 22 350 X 2 350
TRIBUNE CO NEW 896047107 1,427 28,680 X 1 27,680 1,000
TRIBUNE CO NEW 896047107 138 2,770 X X 1 2,770
TRIBUNE CO NEW 896047107 51 1,020 X 2 870 150
TYCO INTL LTD NEW 902124106 750 7,262 X 1 7,262
TYCO INTL LTD NEW 902124106 31 300 X X 1 300
TYCO INTL LTD NEW 902124106 157 1,524 X 2 1,524
US BANCORP DEL 902973106 222 7,338 X X 1 7,338
UNION PACIFIC CORP 907818108 104 2,160 X 1 2,160
UNION PACIFIC CORP 907818108 194 4,030 X X 1 4,030
U S WEST INC NEW 91273H101 69 1,208 X 1 1,208
U S WEST INC NEW 91273H101 88 1,543 X X 1 1,543
U S WEST INC NEW 91273H101 82 1,444 X 2 1,444
UNITED TECHNOLOGIES 913017109 480 8,100 X 1 8,100
UNITED TECHNOLOGIES 913017109 247 4,164 X X 1 4,164
UNITED TECHNOLOGIES 913017109 24 400 X 2 400
UNITED TECHNOLOGIES 913017109 77 1,300 X X 2 1,300
VANGUARD MUNI BOND FUND 922907209 21 1,659 X 1 1,659
INTERMEDIATE TERM #42 INC PD
VANGUARD MUNI BOND FUND 922907209 480 37,087 X X 1 32,967 4,120
INTERMEDIATE TERM #42 INC PD
VANGUARD 500 INDEX FUND #40 922908108 8,865 74,665 X 1 68,332 6,333
VANGUARD 500 INDEX FUND #40 922908108 2,921 24,611 X X 1 24,505 106
VANGUARD 500 INDEX FUND #40 922908108 7,420 62,572 X 2 15,503 47,069
VANGUARD 500 INDEX FUND #40 922908108 107 898 X X 2 898
------ -------
COLUMN TOTALS 24,312 280,396
</TABLE>
<PAGE> 21
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
VODAFONE GROUP PLC SPONSORED 92857T107 374 1,573 X 1 1,573
ADR
VODAFONE GROUP PLC SPONSORED 92857T107 151 634 X X 1 634
ADR
VODAFONE GROUP PLC SPONSORED 92857T107 49 204 X 2 204
ADR
VODAFONE GROUP PLC SPONSORED 92857T107 64 268 X X 2 268
ADR
WALMART STORES INC 931142103 3,856 81,075 X 1 67,065 14,010
WALMART STORES INC 931142103 1,356 28,519 X X 1 26,869 1,650
WALMART STORES INC 931142103 1,043 21,934 X 2 21,654 280
WALMART STORES INC 931142103 104 2,190 X X 2 2,140 50
WALGREEN CO 931422109 520 20,501 X 1 19,426 1,075
WALGREEN CO 931422109 259 10,200 X X 1 10,200
WALGREEN CO 931422109 1,118 44,070 X 2 42,720 1,350
WALGREEN CO 931422109 61 2,400 X X 2 2,350 50
WARBURG PINCUS EMERGING GROWTH 933909103 856 20,965 X 1 19,433 1,532
FUND #005
WARBURG PINCUS EMERGING GROWTH 933909103 500 12,276 X X 1 7,708 4,568
FUND #005
WARBURG PINCUS EMERGING GROWTH 933909103 1,811 44,507 X 2 44,284 223
FUND #005
WARNER LAMBERT 934488107 557 8,385 X 1 8,385
WARNER LAMBERT 934488107 1,512 22,775 X X 1 22,775
WARNER LAMBERT 934488107 7 100 X 2 100
WELLS FARGO & COMPANY NEW 949746101 1,246 31,457 X 1 31,107 350
WELLS FARGO & COMPANY NEW 949746101 751 18,950 X X 1 13,350 5,600
WELLS FARGO & COMPANY NEW 949746101 1,625 41,001 X 2 39,341 1,660
WELLS FARGO & COMPANY NEW 949746101 148 3,740 X X 2 3,580 100 60
WESTAFF INC 957070105 819 136,468 X X 1 136,468
THE WILLIAMS COMPANIES 969457100 243 6,447 X 1 6,447
THE WILLIAMS COMPANIES 969457100 38 1,000 X X 1 1,000
------ -------
COLUMN TOTALS 19,068 561,639
</TABLE>
<PAGE> 22
<TABLE>
<CAPTION>
INVESTMENT
MARKET SHARES DISCRETION VOTING AUTHORITY
VALUE OR SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (THOUSANDS) PRINCIPAL (A) (B) (C) MANAGERS (A) (B) (C)
- ------------------------- ----- ----------- --------- --- --- --- -------- --- --- ---
<S> <C> <C> <C> <C> <C> <C> <C> <C>
XEROX CORP 984121103 146 3,480 X 1 3,480
XEROX CORP 984121103 371 8,850 X X 1 8,850
XEROX CORP 984121103 25 600 X 2 600
XEROX CORP 984121103 8 200 X X 2 200
------ --------
COLUMN TOTALS 550 13130
------ --------
FINAL TOTALS 653913 17141715
====== ========
</TABLE>
<PAGE> 23
INFORMATION REQUIRED OF INSTITUTIONAL INVESTMENT MANAGERS
PREPARED FOR: FAMILY BANK ON 10/2/99 AS OF 9/30/99 PAGE 1
SEC USE ONLY _______________________________
<TABLE>
<CAPTION>
ITEM 1 ITEM 2 ITEM 3 ITEM 4 ITEM 5 ITEM 6 ITEM 7
NAME OF ISSUER TITLE OF CLASS CUSIP/TICKER MARKET SH/PV INVEST AUTH MNGR VOTING AUTH (SHARES)
SOLE SHRD- SHRD- SOLE SHARED NONE
INSTR OTHER
A. COMMON STOCK V
COMMON STOCK
------------
<S> <C> <C> <C> <C> <C> <C> <C><C>
ABBOTT LABS 002824100 183 5000 X 0 0 5000
ABBOTT LABS 002824100 44 1200 X 1200 0 0
AMERICAN ELC PWR INC 025537101 212 6222 X 6222 0 0
AMERICAN HOME PRODS CORP 026609107 227 5460 X 960 0 4500
AMERICAN HOME PRODS CORP 026609107 1994 48060 X 44060 0 4000
AMERICAN INTL GROUP INC 026874107 441 5075 X 2075 0 3000
AMERICAN INTL GROUP INC 026874107 5441 62586 X 62315 0 271
AMERITECH CORP 030954101 285 4264 X 4264 0 0
AMERITECH CORP 030954101 557 8342 X 8342 0 0
AT&T CORP COM 001957109 200 4587 X 1587 0 3000
AT&T CORP COM 001957109 1326 30492 X 30192 0 300
AUTOMATIC DATA PROCESSING INC 053015103 415 9306 X 5306 0 4000
AUTOMATIC DATA PROCESSING INC 053015103 4975 111486 X 110294 0 1192
BANKBOSTON CORP. 06605R106 145 3348 X 3348 0 0
BANKBOSTON CORP. 06605R106 70 1606 X 1606 0 0
BELL ATLANTIC CORP. 077853109 202 3000 X 0 0 3000
BELL ATLANTIC CORP. 077853109 2496 37080 X 34930 0 2150
BELLSOUTH CORP 079860102 93 2076 X 2076 0 0
BELLSOUTH CORP 079860102 3247 72160 X 72160 0 0
BRISTOL-MYERS SQUIBB CO 110122108 27 400 X 400 0 0
BRISTOL-MYERS SQUIBB CO 110122108 2872 42554 X 38754 0 3800
CBS CORP. 12490K107 162 3500 X 0 0 3500
CBS CORP. 12490K107 67 1440 X 1440 0 0
CHEVRON CORP 166751107 177 2000 X 0 0 2000
CHEVRON CORP 166751107 839 9453 X 8753 0 700
CISCO SYSTEMS 17275R102 424 6189 X 1939 0 4250
CISCO SYSTEMS 17275R102 3170 46238 X 46068 0 170
CITICORP INC COM 172967101 297 6750 X 0 0 6750
CITICORP INC COM 172967101 210 4782 X 4782 0 0
COCA COLA CO 191216100 120 2489 X 2489 0 0
COCA COLA CO 191216100 1727 35787 X 30187 0 5600
COLGATE PALMOLIVE CO 194162103 737 16114 X 16114 0 0
CONOCO INC 208251405 84 3071 X 0 0 3071
CONOCO INC 208251405 139 5078 X 5078 0 0
DISNEY WALT CO 254687106 127 4875 X 375 0 4500
DISNEY WALT CO 254687106 158 6072 X 6072 0 0
DU PONT E I DE NEMOURS & CO 263534109 88 1458 X 0 0 1458
DU PONT E I DE NEMOURS & CO 263534109 701 11580 X 11580 0 0
EASTMAN KODAK CO 277461109 80 1062 X 1062 0 0
EASTMAN KODAK CO 277461109 367 4847 X 4340 0 507
EXXON CORP COM 302290101 666 8760 X 6260 0 2500
EXXON CORP COM 302290101 10474 137821 X 129341 0 8480
FEDERAL NATL MTG ASSN 313586109 183 2914 X 2914 0 0
FEDERAL NATL MTG ASSN 313586109 4384 69940 X 69680 0 260
FORTUNE BRANDS INC 349631101 601 18635 X 17635 0 1000
G T E CROP 362320103 1021 13285 X 12185 0 1100
GANNETT INC COM 364730101 208 3000 X 0 0 3000
GENERAL ELEC CO 369604103 1055 8898 X 5198 0 3700
GENERAL ELEC CO 369604103 13216 111465 X 110789 0 676
GILLETTE CO 375766102 131 3858 X 3858 0 0
GILLETTE CO 375766102 2761 81343 X 81183 0 160
HERSHEY FOODS CORP 427866108 312 6400 X 6400 0 0
HOME DEPOT INC 437076102 508 7402 X 3402 0 4000
HOME DEPOT INC 437076102 4150 60471 X 60261 0 210
----------------------------------------------- ------------------------
SUBTOTAL 74796 1171281 1079476 0 91805
</TABLE>
<PAGE> 24
INFORMATION REQUIRED OF INSTITUTIONAL INVESTMENT MANAGERS
PREPARED FOR: FAMILY BANK ON 10/2/99 AS OF 9/30/99 PAGE 2
SEC USE ONLY _______________________________
<TABLE>
<CAPTION>
ITEM 1 ITEM 2 ITEM 3 ITEM 4 ITEM 5 ITEM 6 ITEM 7
NAME OF ISSUER TITLE OF CLASS CUSIP/TICKER MARKET SH/PV INVEST AUTH MNGR VOTING AUTH (SHARES)
SOLE SHRD- SHRD- SOLE SHARED NONE
INSTR OTHER
A. COMMON STOCK V
COMMON STOCK
------------
<S> <C> <C> <C> <C> <C> <C> <C> <C>
ILLINOIS TOOL WKS INC 452308109 184 2463 X 2463 0 0
ILLINOIS TOOL WKS INC 452308109 3756 50374 X 50130 0 244
INTEL CORP 458140100 576 7752 X 3752 0 4000
INTEL CORP 458140100 7524 101248 X 101248 0 0
INTERNATIONAL BUSINESS MACHS 459200101 266 2200 X 200 0 2000
INTERNATIONAL BUSINESS MACHS 459200101 4155 34338 X 33278 0 1060
JOHNSON & JOHNSON 478160104 377 4108 X 2108 0 2000
JOHNSON & JOHNSON 478160104 5587 60813 X 60598 0 215
KIMCO RLTY CORP 49446R109 438 12250 X 12250 0 0
LEGETT & PLATT INC 524660107 352 17896 X 17896 0 0
LUCENT TECHNOLOGIES INC 549463107 472 7272 X 4672 0 2600
LUCENT TECHNOLOGIES INC 549463107 9268 142859 X 141421 0 1438
MARSH & MCLENNAN COS INC 571748102 206 3000 X 0 0 3000
MBNA CORP COM 55262L100 1 46 X 46 0 0
MBNA CORP COM 55262L100 1978 86706 X 86706 0 0
MCDONALDS CORP 580135101 238 5500 X 0 0 5500
MCDONALDS CORP 580135101 39 900 X 900 0 0
MCI WORLD INC COM 55268B106 216 3000 X 0 0 3000
MCI WORLD INC COM 55268B106 35 490 X 400 0 90
MEDTRONIC INC 585055106 188 5282 X 5282 0 0
MEDTRONIC INC 585055106 4758 133806 X 133288 0 518
MERCK & CO INC 589331107 472 7290 X 4890 0 2400
MERCK & CO INC 589331107 5185 79998 X 79998 0 0
MICROSOFT CORP. 594948104 589 6505 X 2505 0 4000
MICROSOFT CORP. 594918104 7116 78573 X 78375 0 198
MINNESOTA MNG & MFG CO 604059105 1090 11346 X 11346 0 0
MOBIL CORP 607059102 193 1913 X 1913 0 0
MOBIL CORP 607059102 5413 53730 X 53630 0 100
NEW ENGLAND ELEC SYS 644001109 21 400 X 400 0 0
NEW ENGLAND ELEC SYS 644001109 264 5081 X 5081 0 0
PEOPLES HERITAGE FINL GROUP INC 711147108 3746 225304 X 158680 0 66624
PEPSICO INC 713448108 165 5423 X 5423 0 0
PEPSICO INC 713448108 2807 92039 X 91634 0 405
PFIZER INC 717081103 196 5477 X 5477 0 0
PFIZER INC 717081103 7097 197820 X 197274 0 546
PROCTOR & GAMBLE CO 742718109 384 4095 X 2095 0 2000
PROCTOR & GAMBLE CO 742718109 7149 76257 X 76257 0 0
RAYTHEON CO 755111408 206 4148 X 4148 0 0
SBC COMMUNICATIONS INC. 78387G103 230 4500 X 0 0 4500
SBC COMMUNICATIONS INC. 78387G103 643 12601 X 12601 0 0
SCHERING PLOUGH CORP 806605101 267 6120 X 6120 0 0
SCHLUMBERGER LIMITED 806857108 125 2000 X 0 0 2000
SCHLUMBERGER LIMITED 806857108 247 3960 X 3960 0 0
STAPLES INC 855030102 116 5300 X 2000 0 3300
STAPLES INC 855030102 1633 74866 X 74866 0 0
STATE STR CORP 857477103 271 4190 X 2590 0 1600
STATE STR CORP 857477103 4366 67553 X 67553 0 0
TEXAS INSTRS INC 882508104 148 1800 X 0 0 1800
TEXAS INSTRS INC 882508104 429 5220 X 5220 0 0
WAL-MART STORES INC 931142103 323 6800 X 800 0 6000
WAL-MART STORES INC 931142103 109 2300 X 2300 0 0
WARNER LAMBERT CO 934488107 133 2000 X 0 0 2000
WARNER LAMBERT CO 934488107 392 5904 X 5904 0 0
WEYERHAUEUSER CO 862166104 115 2000 X 0 0 2000
WEYERHAUEUSER CO 862166104 278 4821 X 4821 0 0
XEROX 984121103 126 3000 X 0 0 3000
XEROX 984121103 109 2600 X 2600 0 0
SUBTOTAL FOR THIS PAGE 92767 1755237 1627099 0 128138
----------------------------------------------- ------------------------
SUBTOTAL FOR COMMON STOCK 167563 2926518 2706575 0 219943
</TABLE>
<PAGE> 25
INFORMATION REQUIRED OF INSTITUTIONAL INVESTMENT MANAGERS
PREPARED FOR: FAMILY BANK ON 10/2/99 AS OF 9/30/99 PAGE 3
SEC USE ONLY _______________________________
<TABLE>
<CAPTION>
ITEM 1 ITEM 2 ITEM 3 ITEM 4 ITEM 5 ITEM 6 ITEM 7
NAME OF ISSUER TITLE OF CLASS CUSIP/TICKER MARKET SH/PV INVEST AUTH MNGR VOTING AUTH (SHARES)
SOLE SHRD- SHRD- SOLE SHARED NONE
INSTR OTHER
A. COMMON STOCK V
INTERNATIONAL COMMON STOCK
--------------------------
<S> <C> <C> <C> <C> <C> <C> <C>
BP AMOCO P L C SPNSR ADR 055622104 363 3273 X 3273 0 0
GALLAHER GROUP PLC 363595109 228 8375 X 7375 0 1000
VODAFONE AIRTOUCH PLC 92857T107 222 935 X 935 0 0
----------------------------------------------- ------------------------
SUBTOTALS FOR INTERNATIONAL COMMON STOCK 813 12583 11583 1000
</TABLE>
<PAGE> 26
INFORMATION REQUIRED OF INSTITUTIONAL INVESTMENT MANAGERS
PREPARED FOR: FAMILY BANK ON 10/2/99 AS OF 9/30/99 PAGE 4
*SUMMARY PAGE FOR A. COMMON STOCK *
<TABLE>
<CAPTION>
MINOR ASSET TYPE MARKET SH/PV INVEST AUTH MNGR VOTING AUTH (SHARES)
- ---------------- ------ ----- ----------- ---- --------------------
<C> <C> <C> <C> <C> <C>
29 COMMON STOCK 167563 2926518 2706575 0 219943
30 INTERNATIONAL COMMON STOCK 813 12583 11583 1000
----------------------------------------------- ------------------------
* SUBTOTALS * 168376 2939101 2718158 0 220943
</TABLE>
<PAGE> 27
INFORMATION REQUIRED OF INSTITUTIONAL INVESTMENT MANAGERS
PREPARED FOR: FAMILY BANK ON 10/2/99 AS OF 9/30/99 PAGE 5
*SUMMARY PAGE FOR B. PREFERRED STOCK *
<TABLE>
<CAPTION>
<S> <C> <C> <C> <C> <C>
MINOR ASSET TYPE MARKET SH/PV INVEST AUTH MNGR VOTING AUTH (SHARES)
- ---------------- ------ ----- ----------- ---- --------------------
** NONE **
</TABLE>
<PAGE> 28
INFORMATION REQUIRED OF INSTITUTIONAL INVESTMENT MANAGERS
PREPARED FOR: FAMILY BANK ON 10/2/99 AS OF 9/30/99 PAGE 6
*SUMMARY PAGE FOR C. OTHER *
<TABLE>
<CAPTION>
<S> <C> <C> <C> <C> <C>
MINOR ASSET TYPE MARKET SH/PV INVEST AUTH MNGR VOTING AUTH (SHARES)
- ---------------- ------ ----- ----------- ---- --------------------
** NONE **
</TABLE>
<PAGE> 29
INFORMATION REQUIRED OF INSTITUTIONAL INVESTMENT MANAGERS
PREPARED FOR: FAMILY BANK ON 10/2/99 AS OF 9/30/99 PAGE 7
**SUMMARY PAGE FOR: FAMILYBANK **
<TABLE>
<CAPTION>
<S> <C> <C> <C> <C> <C> <C>
CATEGORY MARKET SH/PV INVEST AUTH MNGR VOTING AUTH (SHARES)
- -------- ------ ----- ----------- ---- --------------------
A. COMMON STOCK 168376 2939101 2718158 0 220943
----------------------------------------------- ------------------------
**GRAND TOTALS** 168376 2939101 2718158 0 220943
</TABLE>
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