SECURITY NATIONAL BANK OF SIOUX CITY IOWA /IA/
13F-HR, 2000-02-15
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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: 12/31/99 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
1/8/00
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:    154
FORM 13F INFORMATION TABLE VALUE TOTAL:          $93,427
<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      1508
    29684 SH  DEFINED   29684     0    0
A   T & T CORP COMMON        COMMON STOCK   001957109
    205       4035 SH   OTHER          3995 0       40
ABBOTT LABORATORIES          COMMON STOCK   002824100
    200       5500 SH   DEFINED        4100 0     1400
ABBOTT LABORATORIES          COMMON STOCK   002824100
    182       5000 SH   OTHER          5000 0    0
AMERICAN HOME PRODS CORP COM      COMMON STOCK   026609107
    191       4866 SH   DEFINED        4866 0    0
AMERICAN HOME PRODS CORP COM      COMMON STOCK   026609107
    451  11500 SH  OTHER     11500     0    0
AMERICAN INTL GROUP INC      COMMON STOCK   026874107
    453       4193 SH   DEFINED        4193 0    0
AMERICAN INTL GROUP INC      COMMON STOCK   026874107
    144       1333 SH   OTHER          1333 0    0
ATLANTIC RICHFIELD CO COM         COMMON STOCK   048825103
         46         534 SH   DEFINED         534 0    0
ATLANTIC RICHFIELD CO COM         COMMON STOCK   048825103
    236       2734 SH   OTHER          2734 0    0
BANK OF AMERICA CORP         COMMON STOCK   060505104
    23         452 SH   DEFINED         452 0    0
BANK OF AMERICA CORP         COMMON STOCK   060505104
    243       4850 SH   OTHER          4850 0    0
BELL ATLANTIC CORPORATION         COMMON STOCK   077853109
    388       6301 SH   DEFINED        6301 0    0
BELL ATLANTIC CORPORATION         COMMON STOCK   077853109
    365       5935 SH   OTHER          5935 0    0
BELL SOUTH CORPORATION       COMMON STOCK   079860102
    594  12687 SH  DEFINED   12687     0    0
BELL SOUTH CORPORATION       COMMON STOCK   079860102
    255       5450 SH   OTHER          5450 0    0
BESTFOODS COM      COMMON STOCK   08658U101      1228 23360
SH  DEFINED   21660     0     1700
BESTFOODS COM      COMMON STOCK   08658U101           248
    4720 SH   OTHER          4720 0    0
BP AMOCO PLC SPONSORED ADR        COMMON STOCK   055622104
    1705 28738 SH  DEFINED   28738     0    0
BP AMOCO PLC SPONSORED ADR        COMMON STOCK   055622104
    444       7488 SH   OTHER          7422 0       66
BRENTON BANKS, INC  COMMON        COMMON STOCK   107211104
    246  24294 SH  DEFINED   24294     0    0
BRENTON BANKS, INC  COMMON        COMMON STOCK   107211104
    169  16690 SH  OTHER     16690     0    0
BRISTOL-MYERS SQUIBB CO      COMMON STOCK   110122108      2989
    46565 SH  DEFINED   46165     0      400
BRISTOL-MYERS SQUIBB CO      COMMON STOCK   110122108
    838  13055 SH  OTHER     11255      300     1500
CAMPBELL SOUP CO        COMMON STOCK   134429109           988
    25530 SH  DEFINED   25530     0    0
CAMPBELL SOUP CO        COMMON STOCK   134429109
    41        1060 SH   OTHER          1060 0    0
CITIGROUP INC      COMMON STOCK   172967101           917
    16463 SH  DEFINED   16463     0    0
CITIGROUP INC      COMMON STOCK   172967101           165
    2957 SH   OTHER          2957 0    0
COCA COLA CO COM        COMMON STOCK   191216100      1640 28160
SH  DEFINED   28160     0    0
COCA COLA CO COM        COMMON STOCK   191216100           395
    6780 SH   OTHER          6720 0       60
CONAGRA, INC. COMMON         COMMON STOCK   205887102
    26        1160 SH   DEFINED        1160 0    0
CONAGRA, INC. COMMON         COMMON STOCK   205887102
    175       7728 SH   OTHER          7428 0      300
CTS CORP      COMMON STOCK   126501105           305
    4050 SH   DEFINED        4050 0    0
DEAN FOODS CO      COMMON STOCK   242361103      1393 35035
SH  DEFINED   35035     0    0
DEAN FOODS CO      COMMON STOCK   242361103           149
    3750 SH   OTHER          3675 0       75
DELL COMPUTER CORP      COMMON STOCK   247025109
    213       4170 SH   DEFINED        4170 0    0
DELL COMPUTER CORP      COMMON STOCK   247025109
    56        1100 SH   OTHER          1100 0    0
DOVER CORP         COMMON STOCK   260003108           411
    9057 SH   DEFINED        9057 0    0
DOW CHEM CO COM         COMMON STOCK   260543103      4635 34684
SH  DEFINED   34684     0    0
DOW CHEM CO COM         COMMON STOCK   260543103           160
    1200 SH   OTHER          1100      100  0
DUPONT E I DE NEMOURS & CO        COMMON STOCK   263534109
         56         850 SH   DEFINED         850 0    0
DUPONT E I DE NEMOURS & CO        COMMON STOCK   263534109
    524       7954 SH   OTHER          7954 0    0
EAGLE PAC INDS INC      COMMON STOCK   269719100           121
    28572 SH  DEFINED   28572     0    0
EL PASO ENERGY CORP DEL      COMMON STOCK   283905107
    342       8800 SH   DEFINED        8800 0    0


EL PASO ENERGY CORP DEL COMMON STOCK   283905107           39
    1000 SH   OTHER          1000 0         0
EMERSON ELECTRIC CO     COMMON STOCK   291011104           75
    1300 SH   DEFINED        1300 0         0
EMERSON ELECTRIC CO     COMMON STOCK   291011104      161
    2804 SH   OTHER          2804 0         0
ENRON CORP (FORMERLY INTERNORT COMMON STOCK 293561106      295
    6650 SH   DEFINED        6650 0         0
ENRON CORP (FORMERLY INTERNORT COMMON STOCK 293561106
    77        1740 SH   OTHER          1740 0         0
EXXON MOBIL CORP   COMMON STOCK   30231G102 3904 48456 SH
    DEFINED   48456     0         0
EXXON MOBIL CORP   COMMON STOCK   30231G102 3480 43198 SH  OTHER
    42670      528      0
FIRST FEDERAL BANKSHARES, INC  COMMON STOCK 32020V100           46
    5387 SH   DEFINED        5387 0         0
FIRST FEDERAL BANKSHARES, INC  COMMON STOCK 32020V100           84
    9728 SH   OTHER          9728 0         0
FORD MOTOR CO  COMMON   COMMON STOCK   345370100      288
    5407 SH   DEFINED        5407 0         0
FORD MOTOR CO  COMMON   COMMON STOCK   345370100      278
    5213 SH   OTHER          5213 0         0
GANNETT CO INC     COMMON STOCK   364730101           49
600 SH   DEFINED         600 0         0
GANNETT CO INC     COMMON STOCK   364730101      258       3160 SH
    OTHER          3160 0         0
GATEWAY INC   COMMON STOCK   367626108      350       4861 SH
    DEFINED        4861 0         0
GATEWAY INC   COMMON STOCK   367626108 1041 14452 SH  OTHER     14452
    0         0
GENERAL ELEC CO COM     COMMON STOCK   369604103 4186 27049 SH
    DEFINED   26849     0
    200
GENERAL ELEC CO COM     COMMON STOCK   369604103 1853 11975 SH
    OTHER          6875     5000
    100
GENERAL MTRS CORP COM   COMMON STOCK   370442105      241
    3320 SH   DEFINED        2720 0
    600
GENERAL MTRS CORP COM   COMMON STOCK   370442105      261
    3584 SH   OTHER          3584 0         0
GENZYME TRANSGENICS CORP     COMMON STOCK   37246E105      126
    10000 SH  DEFINED   10000     0         0
GILLETTE CO COM    COMMON STOCK   375766102      134       3244 SH
    DEFINED        3244 0         0
GILLETTE CO COM    COMMON STOCK   375766102 1155 28054 SH  OTHER
    28054     0         0
GOODYEAR TIRE & RUBR CO COM  COMMON STOCK   382550101      328
    11685 SH  DEFINED   11685     0         0
GOODYEAR TIRE & RUBR CO COM  COMMON STOCK   382550101
    19         665 SH   OTHER           565 0
    100
GTE CORP (FORMLY GEN TEL & ELE COMMON STOCK 362320103 1023 14494
SH  DEFINED   14494     0         0
GTE CORP (FORMLY GEN TEL & ELE COMMON STOCK 362320103
    88        1253 SH   OTHER          1228 0
25
HARLEY DAVIDSON INC     COMMON STOCK   412822108      519
    8105 SH   DEFINED        8105 0         0
HARLEY DAVIDSON INC     COMMON STOCK   412822108           16
     250 SH   OTHER           250 0         0
HEWLETT PACKARD CO COMMON    COMMON STOCK   428236103      871
    7655 SH   DEFINED        7655 0         0
HEWLETT PACKARD CO COMMON    COMMON STOCK   428236103      238
    2090 SH   OTHER          2090 0         0
HOME DEPOT INC     COMMON STOCK   437076102      225       3278 SH
    DEFINED        3278 0         0
HOME DEPOT INC     COMMON STOCK   437076102      232       3369 SH
    OTHER          3369 0         0
ILLINOIS TOOL WKS INC   COMMON STOCK   452308109 1548 22906 SH
    DEFINED   22906     0         0
ILLINOIS TOOL WKS INC   COMMON STOCK   452308109      138
    2049 SH   OTHER          1980 0
69
INTEL CORP    COMMON STOCK   458140100      325       3947 SH
    DEFINED        3147 0
    800
INTEL CORP    COMMON STOCK   458140100      148       1800 SH   OTHER
    1800 0         0
INTERNATIONAL BUSINESS MACHS C COMMON STOCK 459200101      453
    4199 SH   DEFINED        4199 0         0
INTERNATIONAL BUSINESS MACHS C COMMON STOCK 459200101      546
    5066 SH   OTHER          5066 0         0
JACOBS ENGR GROUP INC   COMMON STOCK   469814107      787  24213
SH  DEFINED   24213     0         0
JACOBS ENGR GROUP INC   COMMON STOCK   469814107           23
     715 SH   OTHER           640 0
75
JOHNSON & JOHNSON COMMON     COMMON STOCK   478160104      103
    1100 SH   DEFINED        1100 0         0
JOHNSON & JOHNSON COMMON     COMMON STOCK   478160104      615
    6591 SH   OTHER          6591 0         0
KEYCORP NEW   COMMON STOCK   493267108      498  22489 SH
    DEFINED   22139     0
    350
KEYCORP NEW   COMMON STOCK   493267108           50        2260 SH
    OTHER          2220 0
40
LUCENT TECHNOLOGIES INC COMMON STOCK   549463107      319
    4248 SH   DEFINED        4248 0         0
LUCENT TECHNOLOGIES INC COMMON STOCK   549463107      383
    5108 SH   OTHER          3424 0
1684
MAY DEPT STORES CO COM  COMMON STOCK   577778103 1486 46084 SH
    DEFINED   39334     6750      0
MAY DEPT STORES CO COM  COMMON STOCK   577778103 7341   227630 SH
    OTHER             0   227630       0
MBIA INC COMMON STOCK   55262C100      670  12694 SH
    DEFINED   12694     0         0
MBIA INC COMMON STOCK   55262C100      181       3430 SH   OTHER
    3355 0
75
MCI WORLDCOM INC   COMMON STOCK   55268B106 1192 22457 SH
    DEFINED   22457     0         0
MCI WORLDCOM INC   COMMON STOCK   55268B106      149       2811 SH
    OTHER          2766 0
45
MEDIA ONE GROUP INC     COMMON STOCK   58440J104           96
    1252 SH   DEFINED        1252 0         0
MEDIA ONE GROUP INC     COMMON STOCK   58440J104      268
    3489 SH   OTHER          3489 0         0
MERCK & CO INC COM COMMON STOCK   589331107 3009 44784 SH
    DEFINED   44584     0
    200
MERCK & CO INC COM COMMON STOCK   589331107      367       5455 SH
    OTHER          5455 0         0
MINNESOTA MNG & MFG CO COM   COMMON STOCK   604059105      454
    4636 SH   DEFINED        4636 0         0
MINNESOTA MNG & MFG CO COM   COMMON STOCK   604059105      959
    9800 SH   OTHER          9800 0         0
NUCOR CORPORATION  COMMON STOCK   670346105      822  15002
SH  DEFINED   15002     0         0
NUCOR CORPORATION  COMMON STOCK   670346105 180       3275 SH
    OTHER          3225 0
50
OCCIDENTAL PETROLEUM - DELAWAR COMMON STOCK 674599105 194
    8959 SH   DEFINED        8959 0         0
OCCIDENTAL PETROLEUM - DELAWAR COMMON STOCK 674599105      90
    4166 SH   OTHER          4166 0         0
PARK NATL CORP     COMMON STOCK   700658107 423       4410 SH
    DEFINED        4410 0         0
PENNEY J C INC COM COMMON STOCK   708160106 854  42842 SH
    DEFINED   42842     0         0
PEPSICO INC   COMMON STOCK   713448108 737  20905 SH  DEFINED
    20705     0
    200
PEPSICO INC   COMMON STOCK   713448108 318       9025 SH   OTHER
    8975 0
50
PFIZER INC COM     COMMON STOCK   717081103 685  21130 SH
    DEFINED   20680     0
    450
PFIZER INC COM     COMMON STOCK   717081103 229       7050 SH   OTHER
    7050 0         0
PITNEY BOWES INC COM    COMMON STOCK   724479100      24
500 SH   DEFINED         500 0         0
PITNEY BOWES INC COM    COMMON STOCK   724479100 522  10800 SH
    OTHER     10800     0         0
PNC BANK CORP COMMON STOCK   693475105 102       2300 SH
    DEFINED        1200 0
1100
PNC BANK CORP COMMON STOCK   693475105 122       2734 SH   OTHER
    2734 0         0
PRAXAIR INC   COMMON STOCK   74005P104 323       6415 SH   DEFINED
    6415 0         0
PRAXAIR INC   COMMON STOCK   74005P104       8         160 SH   OTHER
     160 0         0
ROYAL DUTCH PETROLEUM CO NY RE COMMON STOCK 780257804 739  12195
SH  DEFINED   11895     0
    300
ROYAL DUTCH PETROLEUM CO NY RE COMMON STOCK 780257804 120
    1985 SH   OTHER          1985 0         0
SAP AG SPONSORED ADR    COMMON STOCK   803054204     1726  33155 SH
    DEFINED   33155     0         0
SAP AG SPONSORED ADR    COMMON STOCK   803054204      84
    1620 SH   OTHER          1620 0         0
SBC COMMUNICATIONS INC  COMMON STOCK   78387G103 672  13793 SH
    DEFINED   13793     0         0
SBC COMMUNICATIONS INC  COMMON STOCK   78387G103 525  10759 SH
    OTHER     10759     0         0
SHERWIN WILLIAMS CO     COMMON STOCK   824348106 800  38105 SH
    DEFINED   38105     0         0
SHERWIN WILLIAMS CO     COMMON STOCK   824348106      35
    1665 SH   OTHER          1565 0
    100
SPRINT CORP (FORMERLY UTD TELE COMMON STOCK 852061100      81
    1200 SH   DEFINED        1200 0         0
SPRINT CORP (FORMERLY UTD TELE COMMON STOCK 852061100 162
    2400 SH   OTHER          2400 0         0
STATE STREET CORP  COMMON STOCK   857477103 326       4460 SH
    DEFINED        4460 0         0
STATE STREET CORP  COMMON STOCK   857477103       2          30 SH
    OTHER            30 0         0
SUN MICROSYSTEMS INC    COMMON STOCK   866810104 955  12330 SH
    DEFINED   12330     0         0
SUN MICROSYSTEMS INC    COMMON STOCK   866810104 465       6000 SH
    OTHER          6000 0         0
SUNTRUST BKS INC   COMMON STOCK   867914103 738  10723 SH
    DEFINED   10723     0         0
SUNTRUST BKS INC   COMMON STOCK   867914103 149       2161 SH   OTHER
    2161 0         0
U S WEST INC NEW   COMMON STOCK   91273H101 149       2074 SH
    DEFINED        2074 0         0
U S WEST INC NEW   COMMON STOCK   91273H101 434       6030 SH   OTHER
    6030 0         0
ULTRAMAR DIAMOND SHAMROCK CORP COMMON STOCK 904000106     1015  44745
SH  DEFINED   44595     0
    150
ULTRAMAR DIAMOND SHAMROCK CORP COMMON STOCK 904000106      20
     885 SH   OTHER           785 0
    100
UNION PAC CORP COM COMMON STOCK   907818108 513  11745 SH
    DEFINED   11645     0
    100
UNION PAC CORP COM COMMON STOCK   907818108 226       5168 SH   OTHER
    5168 0         0
UNION PAC RES GROUP INC COMMON STOCK   907834105 115       9051 SH
    DEFINED        9051 0         0
UNION PAC RES GROUP INC COMMON STOCK   907834105      51
    3993 SH   OTHER          3993 0         0
UNITED TECHNOLOGIES CORP     COMMON STOCK   913017109     1194  18375
SH  DEFINED   18375     0         0
UNITED TECHNOLOGIES CORP     COMMON STOCK   913017109      55
     845 SH   OTHER           845 0         0
VODAFONE GROUP PLC COMMON STOCK   92857T107      79
    1604 SH   DEFINED        1604 0         0
VODAFONE GROUP PLC COMMON STOCK   92857T107 124       2500 SH
    OTHER          2500 0         0
WALGREEN CO COM    COMMON STOCK   931422109 319  10900 SH  OTHER
    10900     0         0
WALMART STORES INC COMMON STOCK   931142103 147       2122 SH
    DEFINED        2122 0         0
WALMART STORES INC COMMON STOCK   931142103 175       2534 SH
    OTHER          1334 0
1200
DEBT STRATEGIES FD INC  OTHER     242768109      68   11270 SH  OTHER
    11270     0         0
MIDCAP SPDR TR SER 1    OTHER     595635103 364       4485 SH   DEFINED
    3485 0
1000
MIDCAP SPDR TR SER 1    OTHER     595635103      36         445 SH   OTHER
     445 0         0
S & P 500 DEPOSITARY RCPT SPDR OTHER   78462F103     4454  30322 SH
    DEFINED   27668     0
2654
S & P 500 DEPOSITARY RCPT SPDR OTHER   78462F103 566       3854 SH   OTHER
    3840 0
14
</TABLE>


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