<PAGE>
U.S. SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 5 OMB APPROVAL
-----------------------------
[_] Check this box if no longer OMB NUMBER: 3235-0362
subject to Section 16. Form 4 Expires: April 30, 1997
or Form 5 obligations may Estimated average burden
continue. SEE Instruction 1(b). hours per response ...... 1.0
-----------------------------
[_] Form 3 Holdings Reported
[_] Form 4 Transaction Reported
ANNUAL STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP
Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934,
Section 17(a) of the Public Utility Holding Company Act of 1935 or
Section 30(f) of the Investment Company Act of 1940
REVISED 1 OF 6
-------
1. Name and Address of Reporting Person
Fredericks Mark J.
- --------------------------------------------------------------------------------
(Last) (First) (Middle)
c/o Lakeland Bancorp, Inc.
250 Oak Ridge Road
- --------------------------------------------------------------------------------
(Street)
Oak Ridge, NJ 07438
- --------------------------------------------------------------------------------
(City) (State) (Zip)
- --------------------------------------------------------------------------------
2. Issuer Name and Ticker or Trading Symbol
Lakeland Bancorp, Inc.
- --------------------------------------------------------------------------------
3. IRS or Social Security Number of Reporting Person (Voluntary)
###-##-####
- --------------------------------------------------------------------------------
4. Statement for Month/Year
12/31/98
- --------------------------------------------------------------------------------
5. If Amendment, Date of Original (Month/Day/Year)
12/31/97
- --------------------------------------------------------------------------------
6. Relationship of Reporting Person to Issuer
(Check all applicable)
X Director 10% Owner
----- -----
Officer (give X Other (Specify
----- title below) ----- below)
3.27%
----------------------------------
- --------------------------------------------------------------------------------
<TABLE>
<CAPTION>
Table 1 -- Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security 2. Trans- 3. Trans- 4. Secuirties Acquired (A) 5. Amount of 6. Ownership 7. Nature
(Instr. 3) action action or Disposed of (D) Securities Form: of Indirect
Date Code Beneficially Direct Beneficial
(Instr. 8) (Instr. 3,4 and 5) Owned at End (D) or Ownership
(Month/ -------------------------- Of Issuer's Indirect (Instr. 4)
Day/ Amount (A) or Price Fiscal Year (I)
Lakeland Bancorp, Inc. Year) (D) (Instr. 3 and 4) (Instr. 4)
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
<S> <C> <C> <C> <C> <C> <C> <C> <C>
Common 2/13/98 DRP 131 A 29.50 D 1
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 3/27/98 G 200 A 29.00 D 1
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 4/15/98 P 170 A 29.00 D 1
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 5/15/98 DRP 129 A 30.25 D 1
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 8/14/98 DRP 126 A 31.00 D 1
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 10/01/98 SS 21583 A 15.50 D 1
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 10/01/98 SS 170 A 15.50 D 1
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 10/01/98 SS 4696 A 15.50 D 1
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 10/26/98 G 200 A 15.50 D 1
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 10/26/98 G 200 A 15.50 D 1
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 11/13/98 DRP 252 A 17.75 53,550 D 1
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 2/13/98 DRP 54 A 29.50 I 2
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 4/15/98 P 170 A 29.00 I 2
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
</TABLE>
Reminder: Report on a separate line for each class of securities beneficially
owned directly or indirectly.
<PAGE>
U.S. SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 5 OMB APPROVAL
-----------------------------
[_] Check this box if no longer OMB NUMBER: 3235-0362
subject to Section 16. Form 4 Expires: April 30, 1997
or Form 5 obligations may Estimated average burden
continue. SEE Instruction 1(b). hours per response ...... 1.0
-----------------------------
[_] Form 3 Holdings Reported
[_] Form 4 Transaction Reported
ANNUAL STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP
Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934,
Section 17(a) of the Public Utility Holding Company Act of 1935 or
Section 30(f) of the Investment Company Act of 1940
REVISED 2 OF 6
-------
1. Name and Address of Reporting Person
Fredericks Mark J.
- --------------------------------------------------------------------------------
(Last) (First) (Middle)
c/o Lakeland Bancorp, Inc.
250 Oak Ridge Road
- --------------------------------------------------------------------------------
(Street)
Oak Ridge, NJ 07438
- --------------------------------------------------------------------------------
(City) (State) (Zip)
- --------------------------------------------------------------------------------
2. Issuer Name and Ticker or Trading Symbol
Lakeland Bancorp, Inc.
- --------------------------------------------------------------------------------
3. IRS or Social Security Number of Reporting Person (Voluntary)
###-##-####
- --------------------------------------------------------------------------------
4. Statement for Month/Year
12/31/98
- --------------------------------------------------------------------------------
5. If Amendment, Date of Original (Month/Day/Year)
12/31/97
- --------------------------------------------------------------------------------
6. Relationship of Reporting Person to Issuer
(Check all applicable)
X Director 10% Owner
----- -----
Officer (give X Other (Specify
----- title below) ----- below)
3.27%
----------------------------------
- --------------------------------------------------------------------------------
<TABLE>
<CAPTION>
Table 1 -- Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security 2. Trans- 3. Trans- 4. Secuirties Acquired (A) 5. Amount of 6. Ownership 7. Nature
(Instr. 3) action action or Disposed of (D) Securities Form: of Indirect
Date Code Beneficially Direct Beneficial
(Instr. 8) (Instr. 3,4 and 5) Owned at End (D) or Ownership
(Month/ -------------------------- Of Issuer's Indirect (Instr. 4)
Day/ Amount (A) or Price Fiscal Year (I)
Lakeland Bancorp, Inc. Year) (D) (Instr. 3 and 4) (Instr. 4)
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
<S> <C> <C> <C> <C> <C> <C> <C> <C>
Common 5/15/98 DRP 54 A 30.25 I 2
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 8/14/98 DRP 52 A 31.00 I 2
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 10/01/98 SS 9414 A 15.50 I 2
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 10/01/98 SS 1545 A 15.50 I 2
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 11/13/98 DRP 105 A 15.75 22,023 I 2
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 2/13/98 DRP 41 A 29.50 I 3
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 3/27/98 G 103 A 29.00 I 3
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 5/15/98 DRP 41 A 30.25 I 3
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 8/14/98 DRP 41 A 31.00 I 3
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 10/01/98 SS 7257 A 15.50 I 3
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
</TABLE>
Reminder: Report on a separate line for each class of securities beneficially
owned directly or indirectly.
<PAGE>
U.S. SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 5 OMB APPROVAL
-----------------------------
[_] Check this box if no longer OMB NUMBER: 3235-0362
subject to Section 16. Form 4 Expires: April 30, 1997
or Form 5 obligations may Estimated average burden
continue. SEE Instruction 1(b). hours per response ...... 1.0
-----------------------------
[_] Form 3 Holdings Reported
[_] Form 4 Transaction Reported
ANNUAL STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP
Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934,
Section 17(a) of the Public Utility Holding Company Act of 1935 or
Section 30(f) of the Investment Company Act of 1940
REVISED 3 OF 6
-------
1. Name and Address of Reporting Person
Fredericks Mark J.
- --------------------------------------------------------------------------------
(Last) (First) (Middle)
c/o Lakeland Bancorp, Inc.
250 Oak Ridge Road
- --------------------------------------------------------------------------------
(Street)
Oak Ridge, NJ 07438
- --------------------------------------------------------------------------------
(City) (State) (Zip)
- --------------------------------------------------------------------------------
2. Issuer Name and Ticker or Trading Symbol
Lakeland Bancorp, Inc.
- --------------------------------------------------------------------------------
3. IRS or Social Security Number of Reporting Person (Voluntary)
###-##-####
- --------------------------------------------------------------------------------
4. Statement for Month/Year
12/31/98
- --------------------------------------------------------------------------------
5. If Amendment, Date of Original (Month/Day/Year)
12/31/97
- --------------------------------------------------------------------------------
6. Relationship of Reporting Person to Issuer
(Check all applicable)
X Director 10% Owner
----- -----
Officer (give X Other (Specify
----- title below) ----- below)
3.27%
----------------------------------
- --------------------------------------------------------------------------------
<TABLE>
<CAPTION>
Table 1 -- Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security 2. Trans- 3. Trans- 4. Secuirties Acquired (A) 5. Amount of 6. Ownership 7. Nature
(Instr. 3) action action or Disposed of (D) Securities Form: of Indirect
Date Code Beneficially Direct Beneficial
(Instr. 8) (Instr. 3,4 and 5) Owned at End (D) or Ownership
(Month/ -------------------------- Of Issuer's Indirect (Instr. 4)
Day/ Amount (A) or Price Fiscal Year (I)
Lakeland Bancorp, Inc. Year) (D) (Instr. 3 and 4) (Instr. 4)
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
<S> <C> <C> <C> <C> <C> <C> <C> <C>
Common 10/01/98 SS 1078 A 15.50 I 3
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 10/26/98 G 200 A 15.50 I 3
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 11/13/98 DRP 81 A 15.75 16,951 I 3
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 2/13/98 DRP 42 A 29.50 I 4
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 3/27/98 G 101 A 29.00 I 4
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 5/15/98 DRP 41 A 30.25 I 4
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 8/14/98 DRP 41 A 31.00 I 4
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 10/01/98 SS 6511 A 15.50 I 4
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 10/01/98 SS 1824 A 15.50 I 4
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 10/26/98 G 200 A 15.50 I 4
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
</TABLE>
Reminder: Report on a separate line for each class of securities beneficially
owned directly or indirectly.
<PAGE>
U.S. SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 5 OMB APPROVAL
-----------------------------
[_] Check this box if no longer OMB NUMBER: 3235-0362
subject to Section 16. Form 4 Expires: April 30, 1997
or Form 5 obligations may Estimated average burden
continue. SEE Instruction 1(b). hours per response ...... 1.0
-----------------------------
[_] Form 3 Holdings Reported
[_] Form 4 Transaction Reported
ANNUAL STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP
Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934,
Section 17(a) of the Public Utility Holding Company Act of 1935 or
Section 30(f) of the Investment Company Act of 1940
REVISED 4 OF 6
-------
1. Name and Address of Reporting Person
Fredericks Mark J.
- --------------------------------------------------------------------------------
(Last) (First) (Middle)
c/o Lakeland Bancorp, Inc.
250 Oak Ridge Road
- --------------------------------------------------------------------------------
(Street)
Oak Ridge, NJ 07438
- --------------------------------------------------------------------------------
(City) (State) (Zip)
- --------------------------------------------------------------------------------
2. Issuer Name and Ticker or Trading Symbol
Lakeland Bancorp, Inc.
- --------------------------------------------------------------------------------
3. IRS or Social Security Number of Reporting Person (Voluntary)
###-##-####
- --------------------------------------------------------------------------------
4. Statement for Month/Year
12/31/98
- --------------------------------------------------------------------------------
5. If Amendment, Date of Original (Month/Day/Year)
12/31/97
- --------------------------------------------------------------------------------
6. Relationship of Reporting Person to Issuer
(Check all applicable)
X Director 10% Owner
----- -----
Officer (give X Other (Specify
----- title below) ----- below)
3.27%
----------------------------------
- --------------------------------------------------------------------------------
<TABLE>
<CAPTION>
Table 1 -- Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security 2. Trans- 3. Trans- 4. Secuirties Acquired (A) 5. Amount of 6. Ownership 7. Nature
(Instr. 3) action action or Disposed of (D) Securities Form: of Indirect
Date Code Beneficially Direct Beneficial
(Instr. 8) (Instr. 3,4 and 5) Owned at End (D) or Ownership
(Month/ -------------------------- Of Issuer's Indirect (Instr. 4)
Day/ Amount (A) or Price Fiscal Year (I)
Lakeland Bancorp, Inc. Year) (D) (Instr. 3 and 4) (Instr. 4)
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
<S> <C> <C> <C> <C> <C> <C> <C> <C>
Common 11/13/98 DRP 80 A 15.50 16,952 I 4
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 2/13/98 DRP 41 A 29.50 I 5
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 3/27/98 G 105 A 29.00 I 5
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 5/15/98 DRP 41 A 30.25 I 5
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 8/14/98 DRP 40 A 31.00 I 5
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 10/01/98 SS 7785 A 15.50 I 5
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 10/01/98 SS 549 A 15.50 I 5
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 10/26/98 G 200 A 15.50 I 5
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 11/13/98 DRP 81 A 15.75 16,948 I 5
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
</TABLE>
Reminder: Report on a separate line for each class of securities beneficially
owned directly or indirectly.
<PAGE>
U.S. SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 5 OMB APPROVAL
-----------------------------
[_] Check this box if no longer OMB NUMBER: 3235-0362
subject to Section 16. Form 4 Expires: April 30, 1997
or Form 5 obligations may Estimated average burden
continue. SEE Instruction 1(b). hours per response ...... 1.0
-----------------------------
[_] Form 3 Holdings Reported
[_] Form 4 Transaction Reported
ANNUAL STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP
Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934,
Section 17(a) of the Public Utility Holding Company Act of 1935 or
Section 30(f) of the Investment Company Act of 1940
REVISED 5 OF 6
-------
1. Name and Address of Reporting Person
Fredericks Mark J.
- --------------------------------------------------------------------------------
(Last) (First) (Middle)
c/o Lakeland Bancorp, Inc.
250 Oak Ridge Road
- --------------------------------------------------------------------------------
(Street)
Oak Ridge, NJ 07438
- --------------------------------------------------------------------------------
(City) (State) (Zip)
- --------------------------------------------------------------------------------
2. Issuer Name and Ticker or Trading Symbol
Lakeland Bancorp, Inc.
- --------------------------------------------------------------------------------
3. IRS or Social Security Number of Reporting Person (Voluntary)
###-##-####
- --------------------------------------------------------------------------------
4. Statement for Month/Year
12/31/98
- --------------------------------------------------------------------------------
5. If Amendment, Date of Original (Month/Day/Year)
12/31/97
- --------------------------------------------------------------------------------
6. Relationship of Reporting Person to Issuer
(Check all applicable)
X Director 10% Owner
----- -----
Officer (give X Other (Specify
----- title below) ----- below)
3.27%
----------------------------------
- --------------------------------------------------------------------------------
<TABLE>
<CAPTION>
Table 1 -- Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security 2. Trans- 3. Trans- 4. Secuirties Acquired (A) 5. Amount of 6. Ownership 7. Nature
(Instr. 3) action action or Disposed of (D) Securities Form: of Indirect
Date Code Beneficially Direct Beneficial
(Instr. 8) (Instr. 3,4 and 5) Owned at End (D) or Ownership
(Month/ -------------------------- Of Issuer's Indirect (Instr. 4)
Day/ Amount (A) or Price Fiscal Year (I)
Lakeland Bancorp, Inc. Year) (D) (Instr. 3 and 4) (Instr. 4)
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
<S> <C> <C> <C> <C> <C> <C> <C> <C>
Common 2/13/98 DRP 42 A 29.50 I 6
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 5/15/98 DRP 42 A 30.25 I 6
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 8/14/98 DRP 41 A 31.00 I 6
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 10/01/98 SS 7594 A 15.50 I 6
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 10/01/98 SS 887 A 15.50 I 6
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 11/13/98 DRP 81 A 15.75 17,043 I 6
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 2/13/98 DRP 41 A 29.50 I 7
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 3/26/98 G 100 A 29.00 I 7
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 5/15/98 DRP 41 A 30.25 I 7
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 8/14/98 DRP 40 A 31.00 I 7
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
</TABLE>
Reminder: Report on a separate line for each class of securities beneficially
owned directly or indirectly.
<PAGE>
U.S. SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 5 OMB APPROVAL
-----------------------------
[_] Check this box if no longer OMB NUMBER: 3235-0362
subject to Section 16. Form 4 Expires: April 30, 1997
or Form 5 obligations may Estimated average burden
continue. SEE Instruction 1(b). hours per response ...... 1.0
-----------------------------
[_] Form 3 Holdings Reported
[_] Form 4 Transaction Reported
ANNUAL STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP
Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934,
Section 17(a) of the Public Utility Holding Company Act of 1935 or
Section 30(f) of the Investment Company Act of 1940
REVISED 6 OF 6
-------
1. Name and Address of Reporting Person
Fredericks Mark J.
- --------------------------------------------------------------------------------
(Last) (First) (Middle)
c/o Lakeland Bancorp, Inc.
250 Oak Ridge Road
- --------------------------------------------------------------------------------
(Street)
Oak Ridge, NJ 07438
- --------------------------------------------------------------------------------
(City) (State) (Zip)
- --------------------------------------------------------------------------------
2. Issuer Name and Ticker or Trading Symbol
Lakeland Bancorp, Inc.
- --------------------------------------------------------------------------------
3. IRS or Social Security Number of Reporting Person (Voluntary)
###-##-####
- --------------------------------------------------------------------------------
4. Statement for Month/Year
12/31/98
- --------------------------------------------------------------------------------
5. If Amendment, Date of Original (Month/Day/Year)
12/31/97
- --------------------------------------------------------------------------------
6. Relationship of Reporting Person to Issuer
(Check all applicable)
X Director 10% Owner
----- -----
Officer (give X Other (Specify
----- title below) ----- below)
3.27%
----------------------------------
- --------------------------------------------------------------------------------
<TABLE>
<CAPTION>
Table 1 -- Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security 2. Trans- 3. Trans- 4. Secuirties Acquired (A) 5. Amount of 6. Ownership 7. Nature
(Instr. 3) action action or Disposed of (D) Securities Form: of Indirect
Date Code Beneficially Direct Beneficial
(Instr. 8) (Instr. 3,4 and 5) Owned at End (D) or Ownership
(Month/ -------------------------- Of Issuer's Indirect (Instr. 4)
Day/ Amount (A) or Price Fiscal Year (I)
Lakeland Bancorp, Inc. Year) (D) (Instr. 3 and 4) (Instr. 4)
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
<S> <C> <C> <C> <C> <C> <C> <C> <C>
Common 10/01/98 SS 6960 A 15.50 I 7
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 10/01/98 SS 375 A 15.50 I 7
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 10/26/98 G 200 A 15.50 I 7
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 11/13/98 DRP 81 A 15.75 16,951 I 7
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 2/13/98 DRP 294 A 29.50 I 8
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 5/15/98 DRP 287 A 30.25 I 8
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 8/14/98 DRP 283 A 31.00 I 8
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 10/01/98 SS 41971 A 15.50 I 8
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 10/01/98 SS 16658 A 15.50 I 8
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
" 11/13/98 DRP 559 A 17.55 117,816 I 8
- -------------------------- ---------- ------------ -------- ------ ------ ---------------- ------------ -------------
</TABLE>
Owned by John W. Fredericks, Jane Fredericks and Mark Fredericks Trust
Fredericks Fuel Co. - Jane, Wife of John
Reminder: Report on a separate line for each class of securities beneficially
owned directly or indirectly.
<PAGE>
++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++
FORM 5 (continued)
<TABLE>
<CAPTION>
Table II -- Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security 2. Conversion 3. Transaction 4. Transacation 5. Number of Derivative 6. Date Exercisable
(Instr. 3) or Exercise Date Code Securities Acquired (A) and Expiration
Price of (Month Day (Instr. 8) or Disposed of (D) Date
Derivative Year) (Instr. 3, 4, and 5) (Month, Day
Security Year)
-------------------------- -------------------
(A) (D) Date Expiration
Exer- Date
cisable
- ------------------------------- -------------- -------------- -------- ----- --------------- ---------- -------------------
<S> <C> <C> <C> <C> <C> <C> <C> <C>
- ------------------------ ---------------------- -------------------------- --------------------------- ------------------------
- ------------------------ ---------------------- -------------------------- --------------------------- ------------------------
- ------------------------ ---------------------- -------------------------- --------------------------- ------------------------
- ------------------------ ---------------------- -------------------------- --------------------------- ------------------------
- ------------------------ ---------------------- -------------------------- --------------------------- ------------------------
- ------------------------ ---------------------- -------------------------- --------------------------- ------------------------
- ------------------------ ---------------------- -------------------------- --------------------------- ------------------------
- ------------------------ ---------------------- -------------------------- --------------------------- ------------------------
</TABLE>
<TABLE>
<CAPTION>
7. Title and Amount of 8. Price of Derivative 9. Number of Derivative 10. Ownership of 11. Nature of the
Underlying Securities Security (Instr. 5) Securities Beneficially Derivate Securitiy: Indirect Beneficial
(Instr. 3 AND 4) Owned at End of Year Direct (D) or Ownership (Instr. 4)
Instr. 4) Indirect (I) (Instr. 4)
- ------------------------
Title Amount or
Number of
Shares
- ------------------------ ---------------------- -------------------------- --------------------------- ------------------------
<S> <C> <C> <C> <C>
- ------------------------ ---------------------- -------------------------- --------------------------- ------------------------
- ------------------------ ---------------------- -------------------------- --------------------------- ------------------------
- ------------------------ ---------------------- -------------------------- --------------------------- ------------------------
- ------------------------ ---------------------- -------------------------- --------------------------- ------------------------
- ------------------------ ---------------------- -------------------------- --------------------------- ------------------------
- ------------------------ ---------------------- -------------------------- --------------------------- ------------------------
- ------------------------ ---------------------- -------------------------- --------------------------- ------------------------
- ------------------------ ---------------------- -------------------------- --------------------------- ------------------------
</TABLE>
Explanation of Responses:
Solely owned by Mark J. Fredericks 1
Solely owned by Shelley B. Fredericks, wife of Mark J. Fredericks 2
Mark Fredericks cust. for Douglas Fredericks, son 3
Mark Fredericks cust. for Leanne G. Fredericks, daughter 4
Mark Fredericks cust. for Emily A. Fredericks, daughter 5
Keil Oil Co. Profit Sharing Plan - owned by Mark J. Fredericks 6
Mark Fredericks cust. for William Fredericks, son 7
Owned by John W. Fredericks, Jane Fredericks and Mark Fredericks Trust
Fredericks Fuel Co. - Jane, Wife of John Fredericks, Mark, son of John
Fredericks, owner of Fredericks Fuel Co. 8
Dividend Reinvestment Plan DRD
Gift G
Stock Split SS
Purchase P
**Intentional misstatements or omissions of facts constitute Federal Criminal
Violations.
See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
/s/ Mark Fredericks 1/22/1999
_______________________________ ______________
**Signature of Reporting Person Date
Note: File three copies of this Form, one of which must be manually signed. If
space provided is insufficient, See Instruction 6 for procedure.
Page 2
SEC 2270 (3/91)
