<TABLE> <C> <C>
VALUE SHS/ SH INVST ----VOTING AUTH---
NAME OF ISSUER -TITLE- CUSIP X$1000 PRN PR DSCRN -MANAGERS- SOLE SHA NONE
AT&T COM 001957109 7039 88191 SH SOLE 88191
AT&T COM 001957109 389 4870 SH SHARE 4870
ABBOTT LABS COM 002824100 496 10600 SH SOLE 10600
ABBOTT LABS COM 002824100 215 4600 SH SHARE 4600
AIRTOUCH COMM COM 00949T100 710 7351 SH SOLE 7151 200
AIRTOUCH COMM COM 00949T100 39 400 SH SHARE 400
ALLEGHNEY ENER COM 017361106 3172 107525 SH SOLE 107025 500
ALLEGHENY ENER COM 017361106 80 2700 SH SHARE 2700
ALLIED SIGNAL COM 019512102 331 6728 SH SOLE 6728
ALLIED SIGNAL COM 019512102 158 3208 SH SHARE 3208
ALLSTATE CORP COM 020002101 3188 86018 SH SOLE 85618 400
ALLSTATE CORP COM 020002101 127 3425 SH SHARE 3200 225
AMEREN CORP COM 023608102 271 7499 SH SOLE 7499
AMER HOME PROD COM 026609107 4643 71150 SH SOLE 70350 800
AMER HOME PROD COM 026609107 444 6800 SH SHARE 2800 4000
AMERTECH COM 030954101 1818 31542 SH SOLE 31542
AMERTECH COM 030954101 219 3804 SH SHARE 3804
ASSOC FIRST CAP COM 046008108 1419 31542 SH SOLE 31542
ASSOC FIRST CAP COM 046008108 35 786 SH SHARE 786
ATLANTIC RICHFIELD COM 048825103 3869 52903 SH SOLE 52903
ATLANTIC RICHFIELD COM 048825103 88 1200 SH SHARE 1200
BP AMOCO PLC ADR 055622104 2345 23217 SH SOLE 23217
BP AMOCO PLC ADR 055622104 21 211 SH SHARE 211
BALDOR ELEC CO COM 057741100 295 14643 SH SOLE 14643
BANKAMERICA CORP COM 06605F102 246 3490 SH SOLE 3490
BANKAMERICA CORP COM 06605F102 116 1644 SH SHARE 1644
BAXTER INTERNATL COM 071813109 3837 58133 SH SOLE 57133 1000
BAXTER INTERNATL COM 071813109 79 1200 SH SHARE 1200
BELL ATLANTIC CORP COM 077853109 1323 25588 SH SOLE 25588
BELL ATLANTIC CORP COM 077853109 146 2826 SH SHARE 2826
BELLSOUTH CORP COM 079860102 2264 56516 SH SOLE 56516
BELLSOUTH CORP COM 079860102 376 9380 SH SHARE 9380
BESTFOODS COM 08658U101 346 7360 SH SOLE 7360
BESTFOODS COM 08658U101 13 280 SH SHARE 280
BOEING COMPANY COM 097023105 74 2182 SH SOLE 2182
BOEING COMPANY COM 097023105 156 4600 SH SHARE 1000 3600
BRISTOL MYERS SQUIBB COM 110122108 716 11160 SH SOLE 11160
BRISTOL MYERS SQUIBB COM 110122108 26 400 SH SHARE 400
BURLINGTON NTH SF COM 12189T104 319 9705 SH SOLE 9705
BURLINGTON NTH SF COM 12189T104 20 600 SH SHARE 600
CIGNA COM 125509109 3636 43380 SH SOLE 42780 600
CIGNA COM 125509109 92 1100 SH SHARE 1100
C&S WEST COM 152357109 265 11287 SH SOLE 11287
CHASE MANHATTAN COM 16161A108 4802 59014 SH SOLE 59014
CHASE MANHATTAN COM 16161A108 293 3600 SH SHARE 3600
CHEVRON COM 166751107 2280 25692 SH SOLE 25692
CHEVRON COM 166751107 107 1200 SH SHARE 1200
CITIGROUP INC COM 172967101 832 13022 SH SOLE 13022
CITIGROUP INC COM 172967101 80 1250 SH SHARE 1250
COASTAL CORP COM 190441105 3406 103200 SH SOLE 103200
COASTAL CORP COM 190441105 79 2400 SH SHARE 2400
COCA COLA COM 191216100 1533 24979 SH SOLE 22279 2700
COCA COLA COM 191216100 61 1000 SH SHARE 1000
COLUMBIA FXD INC COM 197643109 100 7572 SH SOLE 7572
COLUMBIA FXD INC COM 197643109 60 4598 SH SHARE 1883 2715
CONGRA COM 205887102 2944 114870 SH SOLE 114870
CONGRA COM 205887102 82 3200 SH SHARE 3200
CONSOL EDISON COM 209115104 356 7853 SH SOLE 7853
DAYTON HUDSON COM 239753106 433 6500 SH SOLE 6500
DAYTON HUDSON COM 239753106 27 400 SH SHARE 400
DEAN FOODS COM 242361103 2804 78700 SH SOLE 78700
DEAN FOODS COM 242361103 25 700 SH SHARE 700
WALT DISNEY COM 254687106 271 8700 SH SOLE 8700
DOLLAR GEN COM 256669102 749 22033 SH SOLE 22033
DOW CHEMICAL COM 260543103 176 1888 SH SOLE 1788 100
DOW CHEMICAL COM 260543103 28 300 SH SHARE 300
DUPONT COM 263534109 4335 74667 SH SOLE 74667
DUPONT COM 263534109 81 1400 SH SHARE 1400
EXXON COM 302290101 17822 252566 SH SOLE 251566 1000
EXXON COM 302290101 460 6516 SH SHARE 6516
FED INC FD #36 MUT FD 314199100 815 78993 SH SOLE 76396 2597
FED INC FD #36 MUT FD 314199100 452 43761 SH SHARE 36587 7174
FID INTRM FD #32 MUT FD 315912105 6790 668195 SH SOLE 667687 508
FID INTRM FD #32 MUT FD 315912105 156 15309 SH SHARE 15309
FID INV GRD FD #26 MUT FD 316146109 4733 651802 SH SOLE 651094 708
FID INV GRD FD #26 MUT FD 316146109 116 15999 SH SHARE 15999
FID S/t BD FD #450 MUT FD 316146208 1488 171444 SH SOLE 171444
FID S/t BD FD #450 MUT FD 316146208 8 959 SH SHARE 959
FID GNMA FD #15 MUT FD 31617K105 1880 173638 SH SOLE 173399 239
FID GNMA FD #15 MUT FD 31617K105 37 3415 SH SHARE 3415
FIRSTAR CORP COM 33763V109 231 2584 SH SOLE 2584
FORD MOTOR COM 345370100 3896 68722 SH SOLE 68722
FORD MOTOR COM 345370100 79 1400 SH SHARE 1400
FORTUNE BRANDS COM 349631101 350 9100 SH SOLE 9100
FORTUNE BRANDS COM 349631101 6 160 SH SHARE 160
GPU COM 36225X100 3045 81610 SH SOLE 81610
GPU COM 36225X100 67 1800 SH SHARE 1800
GTE COM 362320103 589 9733 SH SOLE 9433 300
GTE COM 362320103 75 1244 SH SHARE 1244
GENERAL ELECTRIC COM 369604103 4029 36419 SH SOLE 35619 800
GENERAL ELECTRIC COM 369604103 283 2554 SH SHARE 2554
GENERAL MOTORS COM 370442105 332 3820 SH SOLE 3820
GILLETTE COM 375766102 292 4920 SH SOLE 4920
HEWLETT PACKARD COM 428236103 3972 58570 SH SOLE 58570
HEWLETT PACKARD COM 428236103 359 5300 SH SHARE 1700 3600
HUNT JB TRANS SVCS COM 445658107 430 20491 SH SOLE 20491
ILLINOIS TOOL WORKS COM 452308109 217 3500 SH SOLE 3500
INTEL COM 458140100 4127 34715 SH SOLE 34715
INTEL COM 458140100 217 1829 SH SHARE 1829
IBM COM 459200101 5391 30412 SH SOLE 30412
IBM COM 459200101 1966 11094 SH SHARE 11094
INTERNATL PAPER COM 460146103 3497 82900 SH SOLE 82300 600
INTERNATL PAPER COM 460146103 84 2000 SH SHARE 2000
INTERPUBLIC GRP COM 460690100 342 4394 SH SOLE 4394
JOHNSON & JOHNSON COM 478160104 4397 47030 SH SOLE 47030
JOHNSON & JOHNSON COM 478160104 179 1915 SH SHARE 1800 115
KANSAS CITY P&L COM 485134100 267 10824 SH SOLE 10824
KANSAS CITY P&L COM 485134100 6 250 SH SHARE 250
ELI LILLY COM 532457108 141 1664 SH SOLE 1664
ELI LILLY COM 532457108 85 1000 SH SHARE 1000
LOCKHEED MARTIN COM 539830109 3129 82886 SH SOLE 82886
LOCKHEED MARTIN COM 539830109 53 1400 SH SHARE 1400
LUCENT TECH COM 549463107 3997 37005 SH SOLE 37005
LUCENT TECH COM 549463107 352 3258 SH SHARE 3258
MFS ARK MUNI BD MUT FD 55273N400 267 26318 SH SOLE 26318
MCDONALD'S COM 580135101 4715 104044 SH SOLE 104044
MCDONALD'S COM 580135101 118 2600 SH SHARE 2600
MEAD COM 582834107 3488 113436 SH SOLE 113436
MEAD COM 582834107 74 2400 SH SHARE 2400
MEDTRONIC COM 585055106 206 2870 SH SOLE 2870
MERCK & CO COM 589331107 344 4298 SH SOLE 4298
MERCK & CO COM 589331107 216 2700 SH SHARE 2700
MERRILL LYNCH COM 590188108 496 5600 SH SOLE 5600
MINN MINING & MFG COM 604059105 319 4508 SH SOLE 4308 200
MOBIL CORP COM 607059102 5094 57892 SH SOLE 57692 200
MOBIL CORP COM 607059102 441 5008 SH SHARE 5008
J P MORGAN & CO COM 616880100 206 1665 SH SOLE 1465 200
NATIONAL CITY COM 635405103 502 7558 SH SOLE 7558
NORFOLK SOUTHRN COM 655844108 351 13320 SH SOLE 13320
NUVEEN SLCT TF INC 3 SBI 67063X100 168 11000 SH SOLE 11000
O G & E ENERGY COM 670837103 221 9794 SH SOLE 9794
O G & E ENERGY COM 670837103 5 200 SH SHARE 200
PECO ENERGY CO COM 693304107 227 4898 SH SOLE 4898
PPG INDUSTRIES COM 693506107 92 1798 SH SOLE 1798
PPG INDUSTRIES COM 693506107 123 2400 SH SHARE 2400
PEPSICO COM 713448108 5402 137854 SH SOLE 137050 804
PEPSICO COM 713448108 159 4065 SH SHARE 3800 265
PFIZER COM 717081103 332 2390 SH SOLE 2390
PFIZER COM 717081103 333 2400 SH SHARE 2400
PHILLIPS PETE COM 718507106 9226 195261 SH SOLE 195261
PHILLIPS PETE COM 718507106 1399 29619 SH SHARE 29619
PROCTOR & GAMBLE COM 742718109 6578 67170 SH SOLE 67170
PROCTOR & GAMBLE COM 742718109 88 900 SH SHARE 900
QUAKER OATS COM 747402105 205 3300 SH SOLE 3300
RAYTHEON CO CL B COM 755111408 70 1200 SH SOLE 1000 200
RAYTHEON CO CL B COM 755111408 354 6031 SH SHARE 6031
RELIASTAR FINL COM 75952U103 3370 79050 SH SOLE 79050
RELIASTAR FINL COM 75952U103 68 1600 SH SHARE 1600
TR PRICE INTERNTL BD MUT FD 77956H104 15 1556 SH SOLE 1556
TR PRICE INTERNTL BD MUT FD 77956H104 159 16339 SH SHARE 16339
RYDER SYS COM 783549108 3580 129600 SH SOLE 129600
RYDER SYS COM 783549108 69 2500 SH SHARE 2500
SBC COMM COM 78387G103 6888 145960 SH SOLE 145668 292
SBC COMM COM 78387G103 204 4318 SH SHARE 4318
SPDR TR COM 78462F103 6740 52500 SH SOLE 52500
SAFEWAY INC COM 786514208 3990 77750 SH SOLE 77750
SAFEWAY INC COM 786514208 103 2000 SH SHARE 2000
SARA LEE COM 803111103 224 9064 SH SOLE 9064
SARA LEE COM 803111103 64 2600 SH SHARE 2600
SCHERING-PLOUGH COM 806605101 221 4000 SH SOLE 4000
SCHERING-PLOUGH COM 806605101 88 1600 SH SHARE 1600
SEARS ROEBUCK COM 812387108 3626 80243 SH SOLE 80243
SEARS ROEBUCK COM 812387108 81 1800 SH SHARE 1800
SERVICEMASTER COM 81760N109 449 22093 SH SOLE 22093
SOUTHERN CO COM 842587107 481 20614 SH SOLE 20614
SOUTHERN CO COM 842587107 42 1800 SH SHARE 1800
SOUTHTRUST COM 844730101 3407 91310 SH SOLE 91310
SOUTHTRUST COM 844730101 78 2100 SH SHARE 2100
SPRINT CORP COM 852061100 4446 45312 SH SOLE 45112 200
SPRINT CORP COM 852061100 118 1200 SH SHARE 1200
SPRINT CORP PCS 1 COM 852061506 1030 23244 SH SOLE 23144 100
SPRINT CORP PCS 1 COM 852061506 27 600 SH SHARE 600
SUNSHINE M&R COM 867833105 17 33428 SH SHARE 33428
TJX COS INC COM 872540109 306 9000 SH SOLE 9000
TRW INC COM 872649108 541 11888 SH SOLE 11888
TEXACO INC COM 881694103 4259 75044 SH SOLE 74644 400
TEXACO INC COM 881694103 169 2979 SH SHARE 2076 903
TEXAS UNTILITIES COM 882848104 301 7178 SH SOLE 7178
TEXTRON COM 883203101 298 3850 SH SOLE 3850
TRANSAMERICA COM 893485102 215 3028 SH SOLE 3028
TYCO INTL LTD COM 902124106 3887 54175 SH SOLE 54175
TYCO INTL LTD COM 902124106 79 1100 SH SHARE 1100
TYSON FOODS COM 902494103 806 38975 SH SOLE 38975
U S WEST INC COM 91273H101 249 4523 SH SOLE 4523
V F CORP COM 918204108 214 4496 SH SOLE 4496
VAN ADM S/T TREAS 12 MUT FD 921932208 1649 163116 SH SOLE 163116
VAN ADM S/T TREAS 12 MUT FD 921932208 1710 169138 SH SHARE 156170 12968
VAN ADM INTRMD TS 19 MUT FD 921932307 2814 267232 SH SOLE 267232
VAN ADM INTRMD TS 19 MUT FD 921932307 2543 241448 SH SHARE 231171 5252 5025
VAN GNMA FD #36 MUT FD 922031307 6920 668490 SH SOLE 664995 1042 2453
VAN GNMA FD #36 MUT FD 922031307 2526 244025 SH SHARE 234131 7446 2448
VANGUARD S/t FUND #39 MUT FD 922031406 767 71171 SH SOLE 68846 2325
VANGUARD S/t FUND #39 MUT FD 922031406 1136 105378 SH SHARE 95697 6862 2819
VAN INTRM-TM TE #42 MUT FD 922907209 567 42280 SH SOLE 42280
VAN INTRM-TM TE #42 MUT FD 922907209 350 26147 SH SHARE 23985 2162
VAN LMTD TERM TE #31 MUT FD 922907704 83 7702 SH SOLE 7702
VAN LMTD TERM TE #31 MUT FD 922907704 293 27008 SH SHARE 27008
WALMART STORES COM 931142103 49440 536294 SH SOLE 536294
WALMART STORES COM 931142103 343 3723 SH SHARE 2643 1080
WARNER LAMBERT CO COM 934488107 3604 54400 SH SOLE 54400
WARNER LAMBERT CO COM 934488107 80 1200 SH SHARE 1200
WESTERN RESOURCES COM 959425109 338 12657 SH SOLE 12657
WESTERN RESOURCES COM 959425109 3 100 SH SHARE 100
WILLIAMS COMPANIES COM 969457100 427 10800 SH SOLE 10800
WRIGLEY WM JR COM 982526105 410 4533 SH SOLE 4533
XEROX COM 984121103 4134 79302 SH SOLE 78702 600
XEROX COM 984121103 240 4600 SH SHARE 4600
S REPORT SUMMARY 207 DATA RECORDS 325749
</TABLE>
