<PAGE> PAGE 1
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<PAGE> PAGE 2
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<PAGE> PAGE 3
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<PAGE> PAGE 4
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<PAGE> PAGE 5
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<PAGE> PAGE 6
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<PAGE> PAGE 7
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<PAGE> PAGE 8
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<PAGE> PAGE 9
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<PAGE> PAGE 10
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<PAGE> PAGE 11
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<PAGE> PAGE 12
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<PAGE> PAGE 13
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<PAGE> PAGE 14
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<PAGE> PAGE 15
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<PAGE> PAGE 16
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<PAGE> PAGE 17
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<PAGE> PAGE 18
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<PAGE> PAGE 19
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<PAGE> PAGE 20
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<PAGE> PAGE 21
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<PAGE> PAGE 22
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<PAGE> PAGE 23
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<PAGE> PAGE 24
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<PAGE> PAGE 25
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<PAGE> PAGE 26
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<PAGE> PAGE 27
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<PAGE> PAGE 28
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<PAGE> PAGE 29
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<PAGE> PAGE 30
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<PAGE> PAGE 31
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<PAGE> PAGE 32
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<PAGE> PAGE 33
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<PAGE> PAGE 34
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<PAGE> PAGE 35
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<PAGE> PAGE 36
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<PAGE> PAGE 37
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<PAGE> PAGE 38
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<PAGE> PAGE 39
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<PAGE> PAGE 40
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<PAGE> PAGE 41
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071 D001100 8
072 A001100 6
072 B001100 2756
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072 F001100 212
072 G001100 94
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072 I001100 22
072 J001100 4
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072 L001100 5
072 M001100 3
072 N001100 8
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072 P001100 0
072 Q001100 0
072 R001100 7
072 S001100 4
072 T001100 8
072 U001100 5
072 V001100 0
072 W001100 5
072 X001100 377
072 Y001100 15
072 Z001100 2394
072AA001100 528
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073 A011100 0.2517
073 A021100 0.2393
073 B001100 0.0000
073 C001100 0.0000
074 A001100 299
074 B001100 0
074 C001100 0
074 D001100 92442
074 E001100 0
<PAGE> PAGE 42
074 F001100 0
074 G001100 0
074 H001100 0
074 I001100 567
074 J001100 0
074 K001100 0
074 L001100 1
074 M001100 1455
074 N001100 94764
074 O001100 553
074 P001100 0
074 Q001100 0
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074 R021100 0
074 R031100 0
074 R041100 435
074 S001100 0
074 T001100 93776
074 U011100 8453
074 U021100 696
074 V011100 10.25
074 V021100 10.24
074 W001100 0.0000
074 X001100 209
074 Y001100 0
075 A001100 0
075 B001100 95143
076 001100 0.00
008 A001201 CRESTAR ASSET MANAGEMENT COMPANY
008 B001201 A
008 C001201 801-0000
008 D011201 RICHMOND
008 D021201 VA
008 D031201 23261
012 A001201 CRESTAR BANK
012 B001201 84-0000
012 C011201 RICHMOND
012 C021201 VA
012 C031201 23261
015 A001201 CRESTAR BANK
015 B001201 C
015 C011201 RICHMOND
015 C021201 VA
015 C031201 23261
015 E011201 X
024 001200 Y
025 A001201 FIRST BOSTON
025 B001201 13-5659485
025 C001201 D
025 D001201 30000
025 A001202 GREENWICH
<PAGE> PAGE 43
025 B001202 13-3172275
025 C001202 D
025 D001202 122499
025 A001203 MERRILL LYNCH
025 B001203 13-5674085
025 C001203 D
025 D001203 31271
025 A001204 PAINE WEBBER
025 B001204 13-2760086
025 C001204 D
025 D001204 147723
025 D001205 0
025 D001206 0
025 D001207 0
025 D001208 0
028 A011200 431353
028 A021200 227
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028 A041200 440040
028 B011200 621513
028 B021200 289
028 B031200 0
028 B041200 482349
028 C011200 541043
028 C021200 625
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028 C041200 612716
028 D011200 628084
028 D021200 1082
028 D031200 0
028 D041200 508449
028 E011200 616177
028 E021200 939
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028 E041200 717552
028 F011200 567731
028 F021200 983
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028 F041200 575546
028 G011200 3405901
028 G021200 4145
028 G031200 0
028 G041200 3336652
028 H001200 0
029 001200 N
030 A001200 0
030 B001200 0.00
030 C001200 0.00
031 A001200 0
031 B001200 0
032 001200 0
<PAGE> PAGE 44
033 001200 0
034 001200 N
035 001200 0
036 B001200 0
037 001200 N
038 001200 0
042 A001200 0
042 B001200 0
042 C001200 0
042 D001200 0
042 E001200 0
042 F001200 0
042 G001200 0
042 H001200 0
043 001200 0
044 001200 0
045 001200 Y
046 001200 N
047 001200 Y
048 001200 0.200
048 A011200 0
048 A021200 0.000
048 B011200 0
048 B021200 0.000
048 C011200 0
048 C021200 0.000
048 D011200 0
048 D021200 0.000
048 E011200 0
048 E021200 0.000
048 F011200 0
048 F021200 0.000
048 G011200 0
048 G021200 0.000
048 H011200 0
048 H021200 0.000
048 I011200 0
048 I021200 0.000
048 J011200 0
048 J021200 0.000
048 K011200 0
048 K021200 0.000
049 001200 N
050 001200 N
051 001200 N
052 001200 N
053 A001200 Y
053 B001200 N
053 C001200 N
055 A001200 N
055 B001200 N
<PAGE> PAGE 45
056 001200 Y
057 001200 N
058 A001200 N
059 001200 N
060 A001200 Y
060 B001200 Y
061 001200 10000000
062 A001200 Y
062 B001200 49.8
062 C001200 0.0
062 D001200 50.2
062 E001200 0.0
062 F001200 0.0
062 G001200 0.0
062 H001200 0.0
062 I001200 0.0
062 J001200 0.0
062 K001200 0.0
062 L001200 0.0
062 M001200 0.0
062 N001200 0.0
062 O001200 0.0
062 P001200 0.0
062 Q001200 0.0
062 R001200 0.0
063 A001200 65
063 B001200 0.0
064 A001200 N
064 B001200 N
066 A001200 N
067 001200 N
068 A001200 N
068 B001200 N
069 001200 N
070 A011200 Y
070 A021200 Y
070 B011200 N
070 B021200 N
070 C011200 N
070 C021200 N
070 D011200 N
070 D021200 N
070 E011200 N
070 E021200 N
070 F011200 N
070 F021200 N
070 G011200 N
070 G021200 N
070 H011200 N
070 H021200 N
070 I011200 N
<PAGE> PAGE 46
070 I021200 N
070 J011200 Y
070 J021200 N
070 K011200 Y
070 K021200 Y
070 L011200 Y
070 L021200 N
070 M011200 N
070 M021200 N
070 N011200 Y
070 N021200 N
070 O011200 Y
070 O021200 N
070 P011200 N
070 P021200 N
070 Q011200 N
070 Q021200 N
070 R011200 N
070 R021200 N
071 A001200 0
071 B001200 0
071 C001200 0
071 D001200 0
072 A001200 6
072 B001200 18815
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072 D001200 0
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072 F001200 679
072 G001200 272
072 H001200 0
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072 M001200 5
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072 P001200 0
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072 R001200 5
072 S001200 11
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072 V001200 0
072 W001200 30
072 X001200 1241
072 Y001200 562
072 Z001200 18139
072AA001200 3
072BB001200 0
<PAGE> PAGE 47
072CC011200 0
072CC021200 0
072DD011200 18136
072DD021200 0
072EE001200 0
073 A011200 0.0300
073 A021200 0.0000
073 B001200 0.0000
073 C001200 0.0000
074 A001200 0
074 B001200 331493
074 C001200 328436
074 D001200 0
074 E001200 0
074 F001200 0
074 G001200 0
074 H001200 0
074 I001200 0
074 J001200 0
074 K001200 0
074 L001200 0
074 M001200 199
074 N001200 660128
074 O001200 0
074 P001200 0
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074 R011200 0
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074 R031200 0
074 R041200 0
074 S001200 0
074 T001200 660128
074 U011200 660153
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074 Y001200 0
075 A001200 684576
075 B001200 0
076 001200 0.00
008 A001301 CRESTAR ASSET MANAGEMENT COMPANY
008 B001301 A
008 C001301 801-0000
008 D011301 RICHMOND
008 D021301 VA
008 D031301 23261
012 A001301 CRESTAR BANK
012 B001301 84-0000
012 C011301 RICHMOND
<PAGE> PAGE 48
012 C021301 VA
012 C031301 23261
015 A001301 CRESTAR BANK
015 B001301 C
015 C011301 RICHMOND
015 C021301 VA
015 C031301 23261
015 E011301 X
024 001300 Y
025 A001301 BEAR STEARNS
025 B001301 13-2975144
025 C001301 D
025 D001301 25000
025 A001302 CS FIRST BOSTON
025 C001302 D
025 D001302 23000
025 A001303 MERRILL LYNCH
025 B001303 13-5674085
025 C001303 D
025 D001303 53762
025 A001304 GREENWICH
025 B001304 13-3172273
025 C001304 D
025 D001304 50944
025 A001305 PAINE WEBBER
025 B001305 13-2760086
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025 D001306 0
025 D001307 0
025 D001308 0
028 A011300 423644
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028 B011300 496049
028 B021300 295
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028 C011300 408987
028 C021300 369
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028 C041300 451461
028 D011300 525782
028 D021300 357
028 D031300 0
028 D041300 403464
028 E011300 466016
028 E021300 373
028 E031300 0
028 E041300 530542
<PAGE> PAGE 49
028 F011300 449038
028 F021300 363
028 F031300 0
028 F041300 457859
028 G011300 2769516
028 G021300 2064
028 G031300 0
028 G041300 2709071
028 H001300 0
029 001300 N
030 A001300 0
030 B001300 0.00
030 C001300 0.00
031 A001300 0
031 B001300 0
032 001300 0
033 001300 0
034 001300 N
035 001300 0
036 B001300 0
037 001300 N
038 001300 0
042 A001300 0
042 B001300 0
042 C001300 0
042 D001300 0
042 E001300 0
042 F001300 0
042 G001300 0
042 H001300 0
043 001300 0
044 001300 0
045 001300 Y
046 001300 N
047 001300 Y
048 001300 0.200
048 A011300 0
048 A021300 0.000
048 B011300 0
048 B021300 0.000
048 C011300 0
048 C021300 0.000
048 D011300 0
048 D021300 0.000
048 E011300 0
048 E021300 0.000
048 F011300 0
048 F021300 0.000
048 G011300 0
048 G021300 0.000
048 H011300 0
<PAGE> PAGE 50
048 H021300 0.000
048 I011300 0
048 I021300 0.000
048 J011300 0
048 J021300 0.000
048 K011300 0
048 K021300 0.000
049 001300 N
050 001300 N
051 001300 N
052 001300 N
053 A001300 Y
053 B001300 N
053 C001300 N
055 A001300 N
055 B001300 N
056 001300 Y
057 001300 N
058 A001300 N
059 001300 N
060 A001300 Y
060 B001300 Y
061 001300 10000000
062 A001300 Y
062 B001300 0.0
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062 E001300 0.0
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062 H001300 5.0
062 I001300 13.2
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062 R001300 0.0
063 A001300 60
063 B001300 0.0
064 A001300 N
064 B001300 N
066 A001300 N
067 001300 N
068 A001300 N
068 B001300 N
069 001300 N
070 A011300 Y
<PAGE> PAGE 51
070 A021300 Y
070 B011300 N
070 B021300 N
070 C011300 N
070 C021300 N
070 D011300 N
070 D021300 N
070 E011300 N
070 E021300 N
070 F011300 N
070 F021300 N
070 G011300 N
070 G021300 N
070 H011300 N
070 H021300 N
070 I011300 N
070 I021300 N
070 J011300 Y
070 J021300 N
070 K011300 Y
070 K021300 Y
070 L011300 Y
070 L021300 N
070 M011300 N
070 M021300 N
070 N011300 Y
070 N021300 N
070 O011300 Y
070 O021300 N
070 P011300 N
070 P021300 N
070 Q011300 N
070 Q021300 N
070 R011300 N
070 R021300 N
071 A001300 0
071 B001300 0
071 C001300 0
071 D001300 0
072 A001300 6
072 B001300 15048
072 C001300 0
072 D001300 0
072 E001300 0
072 F001300 531
072 G001300 212
072 H001300 0
072 I001300 80
072 J001300 93
072 K001300 0
072 L001300 0
<PAGE> PAGE 52
072 M001300 0
072 N001300 16
072 O001300 0
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072 R001300 5
072 S001300 9
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072 X001300 958
072 Y001300 428
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074 S001300 0
074 T001300 539945
074 U011300 539942
074 U021300 0
074 V011300 1.00
<PAGE> PAGE 53
074 V021300 0.00
074 W001300 1.0003
074 X001300 2
074 Y001300 0
075 A001300 535399
075 B001300 0
076 001300 0.00
008 A001401 CITIZENS BANK
008 B001401 A
008 C001401 801-0000
008 D011401 FLINT
008 D021401 MI
008 D031401 48502
008 A001402 SYSTEMATIC FINANCIAL MANAGEMENT, L.P.
008 B001402 S
008 C001402 801-0000
008 D011402 FORT LEE
008 D021402 NJ
008 D031402 07024
024 001400 Y
025 A001401 JP MORGAN
025 B001401 13-3224016
025 C001401 E
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025 D001402 0
025 D001403 0
025 D001404 0
025 D001405 0
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028 E041400 409
<PAGE> PAGE 54
028 F011400 991
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028 F041400 1019
028 G011400 27605
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046 001400 Y
047 001400 Y
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048 B021400 0.000
048 C011400 0
048 C021400 0.000
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048 D021400 0.000
048 E011400 0
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048 H021400 0.000
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048 I021400 0.000
048 J011400 0
048 J021400 0.000
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048 K021400 0.000
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050 001400 N
<PAGE> PAGE 55
051 001400 N
052 001400 N
053 A001400 Y
053 B001400 Y
053 C001400 N
055 A001400 N
055 B001400 N
056 001400 Y
057 001400 N
058 A001400 N
059 001400 Y
060 A001400 N
060 B001400 N
061 001400 1000
062 A001400 N
062 B001400 0.0
062 C001400 0.0
062 D001400 0.0
062 E001400 0.0
062 F001400 0.0
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062 H001400 0.0
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062 M001400 0.0
062 N001400 0.0
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062 P001400 0.0
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062 R001400 0.0
066 A001400 Y
066 B001400 N
066 C001400 Y
066 D001400 N
066 E001400 N
066 F001400 N
066 G001400 N
067 001400 N
068 A001400 N
068 B001400 N
069 001400 N
070 A011400 Y
070 A021400 Y
070 B011400 Y
070 B021400 N
070 C011400 Y
070 C021400 N
070 D011400 Y
070 D021400 N
<PAGE> PAGE 56
070 E011400 Y
070 E021400 N
070 F011400 Y
070 F021400 N
070 G011400 Y
070 G021400 N
070 H011400 N
070 H021400 N
070 I011400 N
070 I021400 N
070 J011400 Y
070 J021400 N
070 K011400 Y
070 K021400 N
070 L011400 Y
070 L021400 Y
070 M011400 Y
070 M021400 N
070 N011400 Y
070 N021400 N
070 O011400 N
070 O021400 N
070 P011400 N
070 P021400 N
070 Q011400 N
070 Q021400 N
070 R011400 N
070 R021400 N
071 A001400 795
071 B001400 1091
071 C001400 26856
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<PAGE> PAGE 57
072 T001400 0
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075 B001400 26951
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<PAGE> PAGE 58
008 A001501 ONE VALLEY BANK, N.A.
008 B001501 A
008 C001501 801-0000
008 D011501 CHARLESTON
008 D021501 WV
008 D031501 25326
024 001500 Y
025 A001501 LEHMAN BROTHERS
025 B001501 13-2927667
025 C001501 D
025 D001501 1996
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025 D001503 0
025 D001504 0
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028 B041500 694
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028 C021500 10
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028 C041500 584
028 D011500 1597
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028 D041500 488
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028 G021500 25
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028 G041500 5558
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037 001500 N
038 001500 0
039 001500 N
040 001500 Y
<PAGE> PAGE 59
041 001500 Y
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042 C001500 0
042 D001500 0
042 E001500 100
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044 001500 0
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<PAGE> PAGE 60
072 S001500 6
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<PAGE> PAGE 61
076 001500 0.00
SIGNATURE KEVIN ROBINS
TITLE VICE PRESIDENT
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000890540
<NAME> ARBOR TRUST
<SERIES>
<NUMBER> 010
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