SECURITY NATIONAL BANK OF SIOUX CITY IOWA /IA/
13F-HR, 1999-09-08
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                            UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C.  20549

                                    FORM 13F

                               FORM 13F COVER PAGE

REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 6/30/99

CHECK HERE IF AMENDMENT ( ); AMENDMENT NUMBER:
THIS AMENDMENT (CHECK ONLY ONE.):  ( ) IS A RESTATEMENT.
                                   ( ) ADDS NEW HOLDINGS ENTRIES

INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT:

NAME:    Security National Bank
ADDRESS: 601 Pierce St
         P.O. Box 147
         Sioux City, IA 51101

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:     Jeanette Wendt
TITLE:    Ass't Vice President
PHONE:    (712)277-6749
SIGNATURE,PLACE,AND DATE OF SIGNING:

    Jeanette Wendt                 Sioux City, IA           7/3/99


REPORT TYPE (CHECK ONLY ONE.):

( X)        13F HOLDINGS REPORT

(  )        13F NOTICE

(  )        13F COMBINATION REPORT


LIST OF OTHER MANAGERS REPORTING FOR THIS MANAGER:
  NONE


I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE ACT OF 1934.
<PAGE>
                              FORM 13F SUMMARY PAGE


REPORT SUMMARY:

NUMBER OF OTHER INCLUDED MANAGERS:        0

FORM 13F INFORMATION TABLE ENTRY TOTAL:    192

FORM 13F INFORMATION TABLE VALUE TOTAL:             $104,098
<PAGE>
<TABLE>
 <C>
 <C>
                                                                FORM 13F
INFORMATION TABLE
                                                           VALUE   SHARES/  SH/
PUT/ INVSTMT    OTHER          VOTING
AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X1000)  PRN AMT  PRN
CALL
DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- ---
- ---- ------- ------------ -------- -------- -------
- -

A T & T CORP COMMON            COMMON STOCK     001957109      613    10989 SH
     DEFINED
10989        0        0
A T & T CORP COMMON            COMMON STOCK     001957109      161     2888 SH
     OTHER
2888        0        0
ABBOTT LABORATORIES            COMMON STOCK     002824100      318     7000 SH
     DEFINED
7000        0        0
ABBOTT LABORATORIES            COMMON STOCK     002824100      281     6200 SH
     OTHER
6200        0        0
AIRTOUCH COMMUNICATIONS        COMMON STOCK     00949T100       97      902 SH

DEFINED                 902        0        0
AIRTOUCH COMMUNICATIONS        COMMON STOCK     00949T100      108     1001 SH

OTHER                  1001        0        0
AMERICAN HOME PRODS CORP COM   COMMON STOCK     026609107      385     6716 SH

DEFINED                6716        0        0
AMERICAN HOME PRODS CORP COM   COMMON STOCK     026609107      643    11200 SH

OTHER                 11200        0        0
AMERICAN INTL GROUP INC        COMMON STOCK     026874107      417     3556 SH

DEFINED                3556        0        0
AMERICAN INTL GROUP INC        COMMON STOCK     026874107      149     1267 SH
     OTHER
1267        0        0
AMERITECH CORP                 COMMON STOCK     030954101      552     7516 SH
     DEFINED
7516        0        0
AMERITECH CORP                 COMMON STOCK     030954101      320     4359 SH
     OTHER
4359        0        0
AMGEN INC                      COMMON STOCK     031162100      183     3000 SH
     DEFINED
3000        0        0
AMGEN INC                      COMMON STOCK     031162100       24      400 SH
     OTHER
400        0        0
ASSOCIATES FIRST CAP CORP CL A COMMON STOCK     046008108       97     2188 SH

DEFINED                2188        0        0
ASSOCIATES FIRST CAP CORP CL A COMMON STOCK     046008108      121     2732 SH

OTHER                  2732        0        0
ATLANTIC RICHFIELD CO COM      COMMON STOCK     048825103       45      534 SH

DEFINED                 534        0        0
ATLANTIC RICHFIELD CO COM      COMMON STOCK     048825103      254     3034 SH
     OTHER
3034        0        0
BANK OF AMERICA CORP           COMMON STOCK     060505104       33      452 SH
     DEFINED
452        0        0
BANK OF AMERICA CORP           COMMON STOCK     060505104      392     5350 SH
     OTHER
5350        0        0
BANK ONE CORP COM              COMMON STOCK     06423A103      571     9590 SH
     DEFINED
9590        0        0
BANK ONE CORP COM              COMMON STOCK     06423A103      180     3019 SH
     OTHER
3019        0        0
BELL ATLANTIC CORPORATION      COMMON STOCK     077853109      483     7390 SH

DEFINED                7390        0        0
BELL ATLANTIC CORPORATION      COMMON STOCK     077853109      545     8335 SH

OTHER                  8335        0        0
BELL SOUTH CORPORATION         COMMON STOCK     079860102      658    14260 SH

DEFINED               14260        0        0
BELL SOUTH CORPORATION         COMMON STOCK     079860102      436     9450 SH
     OTHER
9450        0        0
BESTFOODS COM                  COMMON STOCK     08658U101     1021    20635 SH
     DEFINED
20635        0        0
BESTFOODS COM                  COMMON STOCK     08658U101      256     5175 SH
     OTHER
5175        0        0
BP AMOCO PLC SPONSORED ADR     COMMON STOCK     055622104     1680    15485 SH

DEFINED               15485        0        0
BP AMOCO PLC SPONSORED ADR     COMMON STOCK     055622104      404     3725 SH

OTHER                  3642        0       83
BRENTON BANKS, INC  COMMON     COMMON STOCK     107211104      377    24295 SH

DEFINED               24295        0        0
BRENTON BANKS, INC  COMMON     COMMON STOCK     107211104      259    16690 SH

OTHER                 16690        0        0
BRISTOL-MYERS SQUIBB CO        COMMON STOCK     110122108     3050    43295 SH

DEFINED               42895        0      400
BRISTOL-MYERS SQUIBB CO        COMMON STOCK     110122108     1950    27680 SH
     OTHER
25780      400     1500
CAMPBELL SOUP CO               COMMON STOCK     134429109     1120    24150 SH
     DEFINED
24150        0        0
CAMPBELL SOUP CO               COMMON STOCK     134429109       53     1135 SH
     OTHER
1135        0        0
CITIGROUP INC                  COMMON STOCK     172967101      755    15888 SH
     DEFINED
15888        0        0
CITIGROUP INC                  COMMON STOCK     172967101      231     4870 SH
     OTHER
4870        0        0
COCA COLA CO COM               COMMON STOCK     191216100      239     3855 SH
     DEFINED
3855        0        0
COCA COLA CO COM               COMMON STOCK     191216100      233     3750 SH
     OTHER
3750        0        0
CONAGRA, INC. COMMON           COMMON STOCK     205887102      120     4500 SH
     DEFINED
4500        0        0
CONAGRA, INC. COMMON           COMMON STOCK     205887102      135     5088 SH
     OTHER
4788        0      300
DEAN FOODS CO                  COMMON STOCK     242361103     1433    34485 SH
     DEFINED
34485        0        0
DEAN FOODS CO                  COMMON STOCK     242361103      322     7740 SH
     OTHER
7665        0       75
DELL COMPUTER CORP             COMMON STOCK     247025109      162     4370 SH
     DEFINED
4370        0        0
DELL COMPUTER CORP             COMMON STOCK     247025109       41     1100 SH
     OTHER
1100        0        0
DONNELLEY R R & SONS CO        COMMON STOCK     257867101     1094    29530 SH

DEFINED               29530        0        0
DONNELLEY R R & SONS CO        COMMON STOCK     257867101       81     2175 SH
     OTHER
2085        0       90
DOVER CORP                     COMMON STOCK     260003108      404    11557 SH
     DEFINED
11557        0        0
DOW CHEM CO COM                COMMON STOCK     260543103     6938    54684 SH
     DEFINED
54684        0        0
DOW CHEM CO COM                COMMON STOCK     260543103      292     2300 SH
     OTHER
2100      200        0
DUPONT E I DE NEMOURS & CO     COMMON STOCK     263534109       58      850 SH

DEFINED                 850        0        0
DUPONT E I DE NEMOURS & CO     COMMON STOCK     263534109      547     8004 SH
     OTHER
8004        0        0
EAGLE PAC INDS INC             COMMON STOCK     269719100       55    28572 SH
     DEFINED
28572        0        0
EMERSON ELECTRIC CO            COMMON STOCK     291011104       82     1300 SH
     DEFINED
1300        0        0
EMERSON ELECTRIC CO            COMMON STOCK     291011104      176     2804 SH
     OTHER
2804        0        0
ENRON CORP (FORMERLY INTERNORT COMMON STOCK     293561106      341     4175 SH

DEFINED                4175        0        0
ENRON CORP (FORMERLY INTERNORT COMMON STOCK     293561106       71      870 SH

OTHER                   870        0        0
EXXON CORP COM                 COMMON STOCK     302290101     1621    21020 SH
     DEFINED
21020        0        0
EXXON CORP COM                 COMMON STOCK     302290101     2210    28654 SH
     OTHER
28654        0        0
FIRST DATA CORP                COMMON STOCK     319963104      323     6600 SH
     OTHER
6600        0        0
FIRST FEDERAL BANKSHARES, INC  COMMON STOCK     32020V100       52     5387 SH

DEFINED                5387        0        0
FIRST FEDERAL BANKSHARES, INC  COMMON STOCK     32020V100       94     9728 SH

OTHER                  9728        0        0
FORD MOTOR CO  COMMON          COMMON STOCK     345370100      341     6045 SH

DEFINED                6045        0        0
FORD MOTOR CO  COMMON          COMMON STOCK     345370100      294     5213 SH
     OTHER
5213        0        0
GANNETT CO INC                 COMMON STOCK     364730101       43      600 SH
     DEFINED
600        0        0
GANNETT CO INC                 COMMON STOCK     364730101      226     3160 SH
     OTHER
3160        0        0
GATEWAY INC                    COMMON STOCK     367626108      110     1862 SH
     DEFINED
1862        0        0
GATEWAY INC                    COMMON STOCK     367626108      436     7376 SH
     OTHER
7376        0        0
GENERAL ELEC CO COM            COMMON STOCK     369604103     3156    27929 SH
     DEFINED
27729        0      200
GENERAL ELEC CO COM            COMMON STOCK     369604103     1500    13275 SH
     OTHER
12675      500      100
GENERAL MTRS CORP COM          COMMON STOCK     370442105      149     2250 SH

DEFINED                2250        0        0
GENERAL MTRS CORP COM          COMMON STOCK     370442105      250     3784 SH
     OTHER
3784        0        0
GENZYME TRANSGENICS CORP       COMMON STOCK     37246E105       46    10000 SH

DEFINED               10000        0        0
GILLETTE CO COM                COMMON STOCK     375766102      135     3294 SH
     DEFINED
3294        0        0
GILLETTE CO COM                COMMON STOCK     375766102     1150    28054 SH
     OTHER
28054        0        0
GOODYEAR TIRE & RUBR CO COM    COMMON STOCK     382550101      684    11635 SH

DEFINED               11635        0        0
GOODYEAR TIRE & RUBR CO COM    COMMON STOCK     382550101       56      950 SH

OTHER                   850        0      100
HARLEY DAVIDSON INC            COMMON STOCK     412822108      441     8105 SH
     DEFINED
8105        0        0
HARLEY DAVIDSON INC            COMMON STOCK     412822108       14      250 SH
     OTHER
250        0        0
HEALTH MGMT ASSOC INC NEW      COMMON STOCK     421933102      838    74488 SH

DEFINED               74488        0        0
HEALTH MGMT ASSOC INC NEW      COMMON STOCK     421933102      114    10172 SH

OTHER                  9997        0      175
HEINZ H. J. CO  COM            COMMON STOCK     423074103       60     1200 SH
     DEFINED
1200        0        0
HEINZ H. J. CO  COM            COMMON STOCK     423074103      165     3300 SH
     OTHER
3300        0        0
HEWLETT PACKARD CO COMMON      COMMON STOCK     428236103      944     9390 SH

DEFINED                9390        0        0
HEWLETT PACKARD CO COMMON      COMMON STOCK     428236103      544     5415 SH

OTHER                  5415        0        0
HOME DEPOT INC                 COMMON STOCK     437076102      165     2568 SH
     DEFINED
2568        0        0
HOME DEPOT INC                 COMMON STOCK     437076102      428     6646 SH
     OTHER
6646        0        0
IBP, INC.                      COMMON STOCK     449223106       40     1700 SH
     DEFINED                1700
0        0
IBP, INC.                      COMMON STOCK     449223106      172     7249 SH
     OTHER                  7249
0        0
INTEL CORP                     COMMON STOCK     458140100      227     3809 SH
     DEFINED
3809        0        0
INTEL CORP                     COMMON STOCK     458140100      119     2000 SH
     OTHER
2000        0        0
INTERNATIONAL BUSINESS MACHS C COMMON STOCK     459200101      905     7000 SH

DEFINED                7000        0        0
INTERNATIONAL BUSINESS MACHS C COMMON STOCK     459200101      655     5066 SH

OTHER                  5066        0        0
JACOBS ENGR GROUP INC          COMMON STOCK     469814107      912    24013 SH
     DEFINED
24013        0        0
JACOBS ENGR GROUP INC          COMMON STOCK     469814107      172     4525 SH
     OTHER
4450        0       75
JOHNSON & JOHNSON COMMON       COMMON STOCK     478160104      108     1100 SH

DEFINED                1100        0        0
JOHNSON & JOHNSON COMMON       COMMON STOCK     478160104      627     6400 SH

OTHER                  6400        0        0
KEYCORP NEW                    COMMON STOCK     493267108      734    22854 SH
     DEFINED
22504        0      350
KEYCORP NEW                    COMMON STOCK     493267108      115     3580 SH
     OTHER
3540        0       40
LUCENT TECHNOLOGIES INC        COMMON STOCK     549463107      368     5456 SH

DEFINED                5456        0        0
LUCENT TECHNOLOGIES INC        COMMON STOCK     549463107      548     8124 SH
     OTHER
6440        0     1684
MAY DEPT STORES CO COM         COMMON STOCK     577778103     1961    47984 SH

DEFINED               47984        0        0
MAY DEPT STORES CO COM         COMMON STOCK     577778103     9379   229456 SH
     OTHER
226482     2974        0
MAYTAG CORP                    COMMON STOCK     578592107       84     1200 SH
     DEFINED
800        0      400
MAYTAG CORP                    COMMON STOCK     578592107      126     1800 SH
     OTHER
1800        0        0
MBIA INC                       COMMON STOCK     55262C100      804    12419 SH
     DEFINED
12419        0        0
MBIA INC                       COMMON STOCK     55262C100      271     4190 SH
     OTHER
4115        0       75
MEDIA ONE GROUP INC            COMMON STOCK     58440J104      147     1970 SH
     DEFINED
1970        0        0
MEDIA ONE GROUP INC            COMMON STOCK     58440J104      270     3632 SH
     OTHER
3632        0        0
MERCK & CO INC COM             COMMON STOCK     589331107     2675    36329 SH
     DEFINED
36129        0      200
MERCK & CO INC COM             COMMON STOCK     589331107      390     5300 SH
     OTHER
5300        0        0
MIDCAP SPDR TR                 COMMON STOCK     595635103      517     6595 SH
     DEFINED
5195        0     1400
MIDCAP SPDR TR                 COMMON STOCK     595635103       66      845 SH
     OTHER
845        0        0
MINNESOTA MNG & MFG CO COM     COMMON STOCK     604059105      404     4648 SH

DEFINED                4648        0        0
MINNESOTA MNG & MFG CO COM     COMMON STOCK     604059105      852     9800 SH

OTHER                  9800        0        0
MOBIL CORP                     COMMON STOCK     607059102     2228    22560 SH
     DEFINED
22560        0        0
MOBIL CORP                     COMMON STOCK     607059102     1257    12726 SH
     OTHER
12326      400        0
MYLAN LABS INC                 COMMON STOCK     628530107      711    26845 SH
     DEFINED
26845        0        0
MYLAN LABS INC                 COMMON STOCK     628530107      247     9325 SH
     OTHER
9325        0        0
NATIONAL REGISTRY INC NEW      COMMON STOCK     63735L202       16    10000 SH

DEFINED               10000        0        0
NEWELL RUBBERMAID INC          COMMON STOCK     651229106     1456    31390 SH

DEFINED               31390        0        0
NEWELL RUBBERMAID INC          COMMON STOCK     651229106      262     5650 SH
     OTHER
5575        0       75
NUCOR CORPORATION              COMMON STOCK     670346105      748    15762 SH
     DEFINED
15762        0        0
NUCOR CORPORATION              COMMON STOCK     670346105      268     5640 SH
     OTHER
5590        0       50
OCCIDENTAL PETROLEUM - DELAWAR COMMON STOCK     674599105      168     7958 SH

DEFINED                7958        0        0
OCCIDENTAL PETROLEUM - DELAWAR COMMON STOCK     674599105      101     4766 SH

OTHER                  4766        0        0
PARK NATL CORP                 COMMON STOCK     700658107      420     4200 SH
     DEFINED
4200        0        0
PENNEY J C INC COM             COMMON STOCK     708160106     2081    42842 SH
     DEFINED
42842        0        0
PEPSICO INC                    COMMON STOCK     713448108      776    20055 SH
     DEFINED
19855        0      200
PEPSICO INC                    COMMON STOCK     713448108      390    10070 SH
     OTHER
10020        0       50
PFIZER INC COM                 COMMON STOCK     717081103      756    20805 SH
     DEFINED
20355        0      450
PFIZER INC COM                 COMMON STOCK     717081103      289     7950 SH
     OTHER
7950        0        0
PHILIP MORRIS COMPANIES INC    COMMON STOCK     718154107      450    11200 SH

DEFINED               11200        0        0
PHILIP MORRIS COMPANIES INC    COMMON STOCK     718154107       24      600 SH
     OTHER
600        0        0
PITNEY BOWES INC COM           COMMON STOCK     724479100       32      500 SH
     DEFINED
500        0        0
PITNEY BOWES INC COM           COMMON STOCK     724479100      694    10800 SH
     OTHER
10800        0        0
PNC BANK CORP                  COMMON STOCK     693475105       58     1000 SH
     DEFINED
1000        0        0
PNC BANK CORP                  COMMON STOCK     693475105      158     2734 SH
     OTHER
2734        0        0
PRAXAIR INC                    COMMON STOCK     74005P104      304     6215 SH
     DEFINED
6215        0        0
PRAXAIR INC                    COMMON STOCK     74005P104       24      500 SH
     OTHER
500        0        0
PREMARK INTL INC               COMMON STOCK     740459102     1034    27560 SH
     DEFINED
27560        0        0
PREMARK INTL INC               COMMON STOCK     740459102      138     3685 SH
     OTHER
3600        0       85
QUAKER OATS CO COM             COMMON STOCK     747402105       35      528 SH
     DEFINED
528        0        0
QUAKER OATS CO COM             COMMON STOCK     747402105      319     4800 SH
     OTHER
4800        0        0
RAYTHEON COMPANY CLASS B COM   COMMON STOCK     755111408       85     1200 SH

DEFINED                1200        0        0
RAYTHEON COMPANY CLASS B COM   COMMON STOCK     755111408      212     3000 SH

OTHER                  3000        0        0
REPUBLIC N Y CORP              COMMON STOCK     760719104     1216    17834 SH
     DEFINED
17609        0      225
REPUBLIC N Y CORP              COMMON STOCK     760719104      283     4150 SH
     OTHER
4150        0        0
ROYAL DUTCH PETROLEUM CO NY RE COMMON STOCK     780257804      727    12070 SH

DEFINED               11770        0      300
ROYAL DUTCH PETROLEUM CO NY RE COMMON STOCK     780257804      120     1985 SH

OTHER                  1985        0        0
S & P 500 DEPOSITARY RECEIPT   COMMON STOCK     78462F103      556     4058 SH

DEFINED                4058        0        0
S & P 500 DEPOSITARY RECEIPT   COMMON STOCK     78462F103      264     1925 SH
     OTHER
1925        0        0
SAP AG SPONSORED ADR           COMMON STOCK     803054204     1140    32930 SH
     DEFINED
32930        0        0
SAP AG SPONSORED ADR           COMMON STOCK     803054204       64     1835 SH
     OTHER
1835        0        0
SBC COMMUNICATIONS INC         COMMON STOCK     78387G103      386     6659 SH

DEFINED                6659        0        0
SBC COMMUNICATIONS INC         COMMON STOCK     78387G103      291     5022 SH
     OTHER
5022        0        0
SHERWIN WILLIAMS CO            COMMON STOCK     824348106     1040    37480 SH
     DEFINED
37480        0        0
SHERWIN WILLIAMS CO            COMMON STOCK     824348106       86     3100 SH
     OTHER
3000        0      100
SONAT INC.                     COMMON STOCK     835415100      199     6000 SH
     DEFINED
6000        0        0
SONAT INC.                     COMMON STOCK     835415100       33     1000 SH
     OTHER
1000        0        0
STATE STREET CORP              COMMON STOCK     857477103      389     4560 SH
     DEFINED
4560        0        0
STORAGE TECHNOLOGY CORP        COMMON STOCK     862111200      585    25710 SH

DEFINED               25710        0        0
STORAGE TECHNOLOGY CORP        COMMON STOCK     862111200       48     2115 SH
     OTHER
2035        0       80
SUN MICROSYSTEMS INC           COMMON STOCK     866810104      622     9035 SH
     DEFINED
9035        0        0
SUN MICROSYSTEMS INC           COMMON STOCK     866810104      207     3000 SH
     OTHER
3000        0        0
SUNGARD DATA SYSTEMS INC.      COMMON STOCK     867363103      345    10000 SH

OTHER                 10000        0        0
SUNTRUST BKS INC               COMMON STOCK     867914103      705    10155 SH
     DEFINED
10155        0        0
SUNTRUST BKS INC               COMMON STOCK     867914103      421     6070 SH
     OTHER
6070        0        0
TERRA INDUSTRIES INC COMMON    COMMON STOCK     880915103       32     8000 SH

DEFINED                3000        0     5000
TERRA INDUSTRIES INC COMMON    COMMON STOCK     880915103       12     2926 SH

OTHER                  2926        0        0
U S WEST INC NEW               COMMON STOCK     91273H101      198     3369 SH
     DEFINED
3369        0        0
U S WEST INC NEW               COMMON STOCK     91273H101      282     4798 SH
     OTHER
4798        0        0
ULTRAMAR DIAMOND SHAMROCK CORP COMMON STOCK     904000106      956    43820 SH

DEFINED               43670        0      150
ULTRAMAR DIAMOND SHAMROCK CORP COMMON STOCK     904000106       35     1600 SH

OTHER                  1500        0      100
UNION PAC CORP COM             COMMON STOCK     907818108      682    11695 SH
     DEFINED
11595        0      100
UNION PAC CORP COM             COMMON STOCK     907818108      302     5183 SH
     OTHER
5183        0        0
UNION PAC RES GROUP INC        COMMON STOCK     907834105      148     9093 SH
     DEFINED
9093        0        0
UNION PAC RES GROUP INC        COMMON STOCK     907834105       76     4640 SH
     OTHER
4640        0        0
UNITED TECHNOLOGIES CORP       COMMON STOCK     913017109     1302    18085 SH

DEFINED               18085        0        0
UNITED TECHNOLOGIES CORP       COMMON STOCK     913017109       59      820 SH
     OTHER
820        0        0
WALGREEN CO COM                COMMON STOCK     931422109      320    10900 SH
     OTHER
10900        0        0
WALMART STORES INC             COMMON STOCK     931142103      124     2566 SH
     DEFINED
2566        0        0
WALMART STORES INC             COMMON STOCK     931142103      325     6734 SH
     OTHER
5534        0     1200
WARNER-LAMBERT CO              COMMON STOCK     934488107      121     1755 SH
     DEFINED
1755        0        0
WARNER-LAMBERT CO              COMMON STOCK     934488107      449     6500 SH
     OTHER
6500        0        0
WELLS FARGO & CO NEW           COMMON STOCK     949746101      190     4440 SH
     DEFINED
4440        0        0
WELLS FARGO & CO NEW           COMMON STOCK     949746101       64     1500 SH
     OTHER
1500        0        0
XEROX CORP COM                 COMMON STOCK     984121103      183     3100 SH
     DEFINED
3100        0        0
XEROX CORP COM                 COMMON STOCK     984121103      213     3600 SH
     OTHER
3600        0        0
DEBT STRATEGIES FD INC         OTHER            242768109      141    18365 SH
     OTHER
18365        0        0
DUFF & PHELPS UTILS INCOME INC OTHER            264324104      138    13000 SH
     DEFINED
13000        0        0
</TABLE>


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