Securities and Exchange Commission, Washington, D.C. 20549
Schedule 13G
Under the Securities Exchange Act of 1934
(Amendment No. 4)*
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(Name of Issuer) Westco Bancorp, Inc.
_______________________________________________________________________
(Title of Class of Securities) Common Stock
_______________________________________________________________________
(CUSIP Number) 957504103
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(Date of Event Which Requires Filing of this Statement) Annual Filing
Check the appropriate box to designate the rule pursuant to which
this Schedule is filed:
[x] Rule 13d-1(b)
[ ] Rule 13d-1(c)
[ ] Rule 13d-1(d)
*The remainder of this cover page shall be filled out for a
reporting person's initial filing on this form with respect to the
subject class of securities, and for any subsequent amendment containing
information which would alter the disclosures
provided in a prior cover page.
The information required in the remainder of this cover page shall
not be deemed to be ``filed'' for the purpose of Section 18 of the
Securities Exchange Act of 1934 (``Act'') or otherwise subject to the
liabilities of that section of the Act but shall be subject to all other
provisions of the Act (however, see the Notes).
CUSIP No. 957504103
(1) Names of reporting persons..Bankmont Financial Corp
I.R.S. Identification Nos. of above persons (entities only)
51-0275712
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(2) Check the appropriate box if a member of a group
(a)
(b) x
(3) SEC use only.....................................................
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(4) Citizenship or place of organization..A Delaware Corporation.....
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Number of shares beneficially owned by each reporting person with:
(5) Sole voting power.........................................
(6) Shared voting power.....................................
(7) Sole dispositive power.. .....................................
(8) Shared dispositive power................................
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(9) Aggregate amount beneficially owned by each reporting person.....
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(10) Check if the aggregate amount in Row (9) excludes certain shares
(see instructions)..................................................
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(11) Percent of class represented by amount in Row (9). %..........
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(12) Type of reporting person (see instructions)..HC................
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Page--of--Pages--------------------------------------------------------
Item 1(a) Name of issuer: Westco Bancorp, Inc.
Item 1(b) Address of issuer's principal executive offices:
2121 S. Mannheim Road
Westchester, IL 60154-4363
2(a) Name of person filing: Bankmont Financial Corp
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2(b) Address or principal business office or, if none, residence:
111 W. Monroe Street
P. O. Box 755
Chicago, IL 60690
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2(c) Citizenship: A Delaware Corporation
_______________________________________________________________________
2(d) Title of class of securities: Common Stock
_______________________________________________________________________
2(e) CUSIP No.: 957504103
_______________________________________________________________________
Item 3. If this statement is filed pursuant to Secs. 240.13d-1(b) or
240.13d-2(b) or (c), check whether the person filing is a:
(a) [ ] Broker or dealer registered under section 15 of the Act (15
U.S.C. 78o).
(b) [x] Bank as defined in section 3(a)(6) of the Act (15 U.S.C.
78c).
(c) [ ] Insurance company as defined in section 3(a)(19) of the Act
(15 U.S.C. 78c).
(d) [ ] Investment company registered under section 8 of the
Investment Company Act of 1940 (15 U.S.C 80a-8).
(e) [ ] An investment adviser in accordance with Sec. 240.13d-
1(b)(1)(ii)(E);
(f) [ ] An employee benefit plan or endowment fund in accordance
with Sec. 240.13d-1(b)(1)(ii)(F);
(g) [x] A parent holding company or control person in accordance
with Sec. 240.13d-1(b)(1)(ii)(G);
(h) [ ] A savings associations as defined in Section 3(b) of the
Federal Deposit Insurance Act (12 U.S.C. 1813);
(i) [ ] A church plan that is excluded from the definition of an
investment company under section 3(c)(14) of the Investment Company Act
of 1940 (15 U.S.C. 80a-3);
(j) [ ] Group, in accordance with Sec. 240.13d-1(b)(1)(ii)(J).
Item 4. Ownership
1.
(a) Amount beneficially owned: .
(b) Percent of class: .
(c) Number of shares as to which the person has:
(i) Sole power to vote or to direct the vote .
(ii) Shared power to vote or to direct the vote .
(iii) Sole power to dispose or to direct the disposition of
0 .
(iv) Shared power to dispose or to direct the disposition of
.
Item 5. Ownership of 5 Percent or Less of a Class. If this statement
is being filed to report the fact that as of the date hereof the
reporting person has ceased to be the beneficial owner of more than 5
percent of the class of securities, check the following [ x ].
See exhibit 2
Item 6. Ownership of More than 5 Percent on Behalf of Another
Person.
Not Applicable
Item 7. Identification and Classification of the Subsidiary Which
Acquired the Security Being Reported on by the Parent Holding Company or
Control Person.
Item 8. Identification and Classification of Members of the Group
Item 9. Notice of Dissolution of Group.
Not Applicable
Item 10. Certification
By signing below I certify that, to the best of my knowledge and
belief, the securities referred to above were acquired and are held in
the ordinary course of business and were not acquired and are not held
for the purpose of or with the effect of changing or influencing the
control of the issuer of the securities and were not acquired and are
not held in connection with or as a participant in any transaction
having that purpose or effect.
After reasonable inquiry and to the best of my knowledge
and belief, I certify that the information set forth in this statement
is true, complete and correct.
Dated: February 15, 2000.
BANKMONT FINANCIAL CORP.
BY: (Alan G. McNally)
Alan G. McNally
President
Schedule 13G
Exhibit 1
Harris Bank Palatine, N.A., is a wholly-owned subsidiary of Harris Bankmont,
Inc., which is a wholly-owned subsidiary of Bankmont Financial Corp., which
is a wholly-owned subsidiary of Bank of Montreal. Pursuant to Rule
13d-1(k)(1)(iii), Bank of Montreal, Harris Bankmont, Inc. and Harris Bank
Palatine, N.A. agree to this filing of Schedule 13G by Bankmont Financial
Corp. This exhibit is submitted as proof of their agreement and authorization
for Bankmont Financial Corp. to file on their behalf.
Dated: February 15, 2000
BANK OF MONTREAL
BY: (Velma J. Jones)
Velma J. Jones
Secretary
HARRIS BANKMONT, INC.
BY: (Thomas R. Sizer)
Thomas R. Sizer
Secretary
HARRIS BANK PALATINE, N.A.
BY: (Richard J. Fink, Jr.)
Richard J. Fink, Jr.
Senior Vice President
Schedule 13G
Exhibit 2
This Schedule is being filed by Bankmont Financial Corporation, its parent
company, Bank of Montreal, Bankmont Financial Corporation's wholly-owned
subsidiary Harris Bankmont, Inc., Harris Bankmont, Inc.'s wholly-owned
subsidiary Harris Bank Palatine, N.A. which no longer hold more than five
percent beneficial ownership of the common shares of Westco Bancorp, Inc.
Bank of Montreal, Bankmont Financial Corp., Harris Bankmont, Inc. and Harris
Bank Palatine, N.A. expressly disclaim the existence of a group for purposes
other than this filing.
