<PAGE>
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: June 30, 1999
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: Chemical Bank and Trust Company
Company 333 E. Main Street
Address: Midland, MI 48640
Form 13F File Number: 28-4110
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: Bruce M. Groom
Title: Sr. Vice President and Sr. Trust Officer
Phone: (517) 839-5305
Signature, Place, and Date of Signing:
/s/ Bruce M. Groom Midland, Michigan June 30, 1999
[Signature] [City, State] [Date]
Report Type (Check only one.):
[X] 13F HOLDINGS REPORT. (Check here if all holdings of this reporting
manager are reported in this report.)
[ ] 13F NOTICE. (Check here if no holdings reported are in this report,
and all holdings are reported by other reporting manager(s).)
<PAGE>
[ ] 13F COMBINATION REPORT. (Check here if a portion of the holdings for
this reporting manager are reported in this report and a portion are
reported by other reporting manager(s).)
<PAGE>
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
------------
Form 13F Information Table Entry Total: 186
------------
Form 13F Information Table Value Total: $399,789
------------
(thousands)
List of Other Included Managers:
Provide a numbered list of the name(s) and 13F file number(s) of all
institutional investment managers with respect to which this report is
filed, other than the manager filing this report.
None.
<PAGE>
<TABLE>
FORM 13F INFORMATION TABLE
<CAPTION>
COLUMN 1 COLUMN2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
- --------------------------- -------------- --------- -------- -------------------- ---------- -------- -----------------------
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGERS SOLE SHARED NONE
- --------------------------- -------------- --------- -------- ------- --- ---- ---------- -------- ------- ------- ------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
AT & T Corp. Common 00195710-9 4,923 88,213 Shares Sole 86,338 1,875
- ---------------------------------------------------------------------------------------------------------------------------------
AT & T Corp. Common 00195710-9 182 3,261 Shares Shared 1,911 1,350
- ---------------------------------------------------------------------------------------------------------------------------------
Abbott Labs Common 00282410-0 1,687 37,185 Shares Sole 34,785 2,400
- ---------------------------------------------------------------------------------------------------------------------------------
Abbott Labs Common 00282410-0 290 6,400 Shares Shared 6,400
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Air Products & Chemicals, Inc. Common 00915810-6 418 10,400 Shares Sole 10,400
- ---------------------------------------------------------------------------------------------------------------------------------
Allied Signal Inc. Common 01951210-2 234 3,724 Shares Sole 3,724
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Allstate Corp. Common 02000210-1 1,693 47,200 Shares Sole 47,200
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Allstate Corp. Common 02000210-1 198 5,538 Shares Shared 4,938 600
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American Express Co. Common 02581610-9 251 1,936 Shares Sole 1,936
- ---------------------------------------------------------------------------------------------------------------------------------
American Home Prods Corp. Common 02660910-7 4,445 77,490 Shares Sole 75,790 1,700
- ---------------------------------------------------------------------------------------------------------------------------------
American Home Prods Corp. Common 02660910-7 254 4,440 Shares Shared 2,700 1,740
- ---------------------------------------------------------------------------------------------------------------------------------
Ameritech Common 03095410-1 4,569 62,168 Shares Sole 58,980 3,188
- ---------------------------------------------------------------------------------------------------------------------------------
Ameritech Common 03095410-1 127 1,732 Shares Shared 1,732
- ---------------------------------------------------------------------------------------------------------------------------------
Analog Devices Inc. Common 03265410-5 542 10,800 Shares Sole 10,800
- ---------------------------------------------------------------------------------------------------------------------------------
Assoc 1st Cap Corp Cl A Common 04600810-8 529 12,006 Shares Sole 12,006
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Assoc 1st Cap Corp Cl A Common 04600810-8 36 836 Shares Shared 418 418
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Atlantic Richfield Co. Common 04882510-3 265 3,176 Shares Sole 2,876 300
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Automatic Data Processing Inc. Common 05301510-3 1,729 39,300 Shares Sole 35,900 3,400
- ---------------------------------------------------------------------------------------------------------------------------------
BP Amoco Adr Plc Common 05562210-4 332 3,065 Shares Sole 2,778 287
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BP Amoco Adr Plc Common 05562210-4 129 1,192 Shares Shared 864 328
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<PAGE>
Bankamerica Corp. New Common 06050510-4 204 2,787 Shares Sole 2,787
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Page 1 of 9
</TABLE>
<PAGE>
<TABLE>
FORM 13F INFORMATION TABLE
<CAPTION>
COLUMN 1 COLUMN2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
- --------------------------- -------------- --------- -------- --------------------- ---------- -------- ----------------------
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGERS SOLE SHARED NONE
- --------------------------- -------------- --------- -------- ------- --- ---- ---------- -------- ------- ------- ------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
Bank New York Inc. Common 06405710-2 417 11,376 Shares Sole 11,376
- ---------------------------------------------------------------------------------------------------------------------------------
Bank One Corp. Common 06423A10-3 9,906 166,312 Shares Sole 165,988 324
- ---------------------------------------------------------------------------------------------------------------------------------
Bank One Corp. Common 06423A10-3 175 2,944 Shares Shared 1,944 1,000
- ---------------------------------------------------------------------------------------------------------------------------------
Bell Atlantic Corp. Common 07785310-9 3,539 54,148 Shares Sole 51,800 2,348
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Bell Atlantic Corp. Common 07785310-9 203 3,118 Shares Shared 2,198 920
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BellSouth Corp. Common 07986010-2 2,236 48,490 Shares Sole 48,490
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BellSouth Corp. Common 07986010-2 142 3,092 Shares Shared 3,092
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Bergen Brunswig Corp. Common 08373910-2 1,073 62,210 Shares Sole 62,210
- ---------------------------------------------------------------------------------------------------------------------------------
Bergen Brunswig Corp. Common 08373910-2 11 675 Shares Shared 675
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Bestfoods Inc. Common 08658U10-1 901 18,206 Shares Sole 17,806 400
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Biomet Inc. Common 09061310-0 1,232 31,000 Shares Sole 31,000
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Biomet Inc. Common 09061310-0 31 800 Shares Shared 800
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Boeing Inc. Common 09702310-5 490 11,144 Shares Sole 11,144
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Boeing Inc. Common 09702310-5 48 1,100 Shares Shared 1,100
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Bristol-Myers Squibb Co. Common 11012210-8 2,895 41,100 Shares Sole 41,100
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Bristol-Myers Squibb Co. Common 11012210-8 140 2,000 Shares Shared 2,000
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CIGNA Corp. Common 12550910-9 2,193 24,650 Shares Sole 24,050 600
- ---------------------------------------------------------------------------------------------------------------------------------
CIGNA Corp. Common 12550910-9 26 300 Shares Shared 300
- ---------------------------------------------------------------------------------------------------------------------------------
Carolina Pwr & Lt Co. Common 14414110-8 430 10,050 Shares Sole 10,050
- ---------------------------------------------------------------------------------------------------------------------------------
Centex Corp. Common 15231210-4 462 12,300 Shares Sole 12,300
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<PAGE>
Century Tel Enterprises Inc. Common 15668610-7 304 8,000 Shares Sole 8,000
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Page 2 of 9
</TABLE>
<PAGE>
<TABLE>
FORM 13F INFORMATION TABLE
<CAPTION>
COLUMN 1 COLUMN2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
- --------------------------- -------------- --------- -------- --------------------- ---------- -------- ----------------------
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGERS SOLE SHARED NONE
- --------------------------- -------------- --------- -------- ------- --- ---- ---------- -------- ------- ------- ------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
Chemical Financial Corp. Common 16373110-2 40,680 1,168,535 Shares Sole 932,618 235,917
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Chemical Financial Corp. Common 16373110-2 1,734 49,810 Shares Shared 49,099 711
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Chevron Corp. Common 16675110-7 338 3,566 Shares Sole 3,366 200
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Chevron Corp. Common 16675110-7 34 368 Shares Shared 368
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Choiceone Financial Services Common 17038510-6 628 22,869 Shares Sole 22,869
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Cisco Systems Inc. Common 17275R10-2 64 1,000 Shares Sole 1,000
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Cisco Systems Inc. Common 17275R10-2 193 3,000 Shares Shared 3,000
- ---------------------------------------------------------------------------------------------------------------------------------
Citizens Bkg Corp. Mich Common 17442010-9 3,581 119,138 Shares Sole 94,709 24,429
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Citizens Bkg Corp. Mich Common 17442010-9 17 570 Shares Shared 570
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Coca Cola Co. Common 19121610-0 632 10,200 Shares Sole 7,800 2,400
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Coca Cola Co. Common 19121610-0 11 180 Shares Sole 180
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Comerica Inc. Common 20034010-7 1,982 33,353 Shares Sole 31,935 1,418
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Comerica Inc. Common 20034010-7 65 1,100 Shares Shared 300 800
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Commercial Nat'l Finl Corp. Common 20221610-7 420 11,530 Shares Sole 11,530
- ---------------------------------------------------------------------------------------------------------------------------------
Compaq Computer Corp. Common 20449310-0 1,971 83,227 Shares Sole 82,729 498
- ---------------------------------------------------------------------------------------------------------------------------------
Compaq Computer Corp. Common 20449310-0 90 3,800 Shares Shared 2,300 1,500
- ---------------------------------------------------------------------------------------------------------------------------------
Conagra Inc. Common 20588710-2 1,642 61,693 Shares Sole 59,693 2,000
- ---------------------------------------------------------------------------------------------------------------------------------
Conagra Inc. Common 20588710-2 15 590 Shares Shared 590
- ---------------------------------------------------------------------------------------------------------------------------------
Corning Inc. Common 21935010-5 588 8,396 Shares Sole 8,396
- ---------------------------------------------------------------------------------------------------------------------------------
Dana Corp. Common 23581110-6 1,008 21,900 Shares Sole 21,700 200
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<PAGE>
Dana Corp. Common 23581110-6 36 800 Shares Shared 300 500
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Page 3 of 9
</TABLE>
<PAGE>
<TABLE>
FORM 13F INFORMATION TABLE
<CAPTION>
COLUMN 1 COLUMN2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
- --------------------------- -------------- --------- -------- -------------------- ---------- -------- -----------------------
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGERS SOLE SHARED NONE
- --------------------------- -------------- --------- -------- ------- --- ---- ---------- -------- ------- ------- ------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
Dayton Hudson Corp. Common 23975310-6 2,518 38,745 Shares Sole 38,145 600
- ---------------------------------------------------------------------------------------------------------------------------------
Dayton Hudson Corp. Common 23975310-6 182 2,800 Shares Shared 1,600 1,200
- ---------------------------------------------------------------------------------------------------------------------------------
Dean Foods Co. Common 24236110-3 1,163 28,000 Shares Sole 28,000
- ---------------------------------------------------------------------------------------------------------------------------------
Delphi Automotive Sys. Common 24712610-5 198 10,727 Shares Sole 10,658 69
- ---------------------------------------------------------------------------------------------------------------------------------
Delphi Automotive Sys. Common 24712610-5 5 278 Shares Shared 278
- ---------------------------------------------------------------------------------------------------------------------------------
Dover Corp. Common 26000310-8 1,339 38,269 Shares Sole 38,269
- ---------------------------------------------------------------------------------------------------------------------------------
Dover Corp. Common 26000310-8 14 400 Shares Shared 400
- ---------------------------------------------------------------------------------------------------------------------------------
Dow Chemical Co. Common 26054310-3 145,301 1,145,237 Shares Sole 1,027,091 118,146
- ---------------------------------------------------------------------------------------------------------------------------------
Dow Chemical Co. Common 26054310-3 19,950 157,242 Shares Shared 98,545 58,697
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DuPont El De Nemours & Co. Common 26353410-9 323 4,736 Shares Sole 4,568 168
- ---------------------------------------------------------------------------------------------------------------------------------
DuPont El De Nemours & Co. Common 26353410-9 81 1,200 Shares Shared 1,200
- ---------------------------------------------------------------------------------------------------------------------------------
Electronic Data Systems Corp. Common 28566110-4 526 9,292 Shares Sole 9,292
- ---------------------------------------------------------------------------------------------------------------------------------
Electronic Data Systems Corp. Common 28566110-4 11 200 Shares Shared 200
- ---------------------------------------------------------------------------------------------------------------------------------
Emerson Elec Co. Common 29101110-4 1,078 17,130 Shares Sole 15,430 1,700
- ---------------------------------------------------------------------------------------------------------------------------------
Emerson Elect Co. Common 29101110-4 25 400 Shares Shared 400
- ---------------------------------------------------------------------------------------------------------------------------------
Equifax Inc. Common 29442910-5 405 11,350 Shares Sole 11,350
- ---------------------------------------------------------------------------------------------------------------------------------
Equifax Inc. Common 29442910-5 28 800 Shares Shared 800
- ---------------------------------------------------------------------------------------------------------------------------------
Exxon Corp. Common 30229010-1 6,465 83,832 Shares Sole 78,632 5,200
- ---------------------------------------------------------------------------------------------------------------------------------
Exxon Corp. Common 30229010-1 46 600 Shares Shared 600
- ---------------------------------------------------------------------------------------------------------------------------------
FPL Group Inc. Common 30257110-4 248 4,557 Shares Sole 4,557
- ---------------------------------------------------------------------------------------------------------------------------------
<PAGE>
FPL Group Inc. Common 30257110-4 5 100 Shares Shared 100
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Page 4 of 9
</TABLE>
<PAGE>
<TABLE>
FORM 13F INFORMATION TABLE
<CAPTION>
COLUMN 1 COLUMN2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
- --------------------------- -------------- --------- -------- -------------------- ---------- -------- -----------------------
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGERS SOLE SHARED NONE
- --------------------------- -------------- --------- -------- ------- --- ---- ---------- -------- ------- ------- ------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
Federal Natl Mtg Assn. Common 31358610-9 2,369 34,725 Shares Sole 32,525 2,200
- ---------------------------------------------------------------------------------------------------------------------------------
Firstbank Corp. Mich. Common 33761G10-4 1,031 37,510 Shares Sole 37,510
- ---------------------------------------------------------------------------------------------------------------------------------
Ford Mtr. Co. Common 34537010-0 2,081 36,880 Shares Sole 36,880
- ---------------------------------------------------------------------------------------------------------------------------------
Ford Mtr. Co. Common 34537010-0 122 2,170 Shares Shared 1,370 800
- ---------------------------------------------------------------------------------------------------------------------------------
GPU Inc. Common 36225X10-0 1,325 31,425 Shares Sole 31,425
- ---------------------------------------------------------------------------------------------------------------------------------
GPU Inc. Common 36225X10-0 42 1,000 Shares Shared 300 700
- ---------------------------------------------------------------------------------------------------------------------------------
GTE Corp. Common 36232010-3 1,411 18,696 Shares Sole 18,696
- ---------------------------------------------------------------------------------------------------------------------------------
GTE Corp. Common 36232010-3 60 802 Shares Shared 402 400
- ---------------------------------------------------------------------------------------------------------------------------------
Gannett, Inc. Common 36473010-1 264 3,705 Shares Sole 3,705
- ---------------------------------------------------------------------------------------------------------------------------------
General Elec Co. Common 36960410-3 9,464 83,760 Shares Sole 81,960 1,800
- ---------------------------------------------------------------------------------------------------------------------------------
General Elec Co. Common 36960410-3 90 800 Shares Shared 800
- ---------------------------------------------------------------------------------------------------------------------------------
General Mtrs Corp. Common 37044210-5 995 15,078 Shares Sole 14,978 100
- ---------------------------------------------------------------------------------------------------------------------------------
General Mtrs Corp. Common 37044210-5 26 400 Shares Shared 400
- ---------------------------------------------------------------------------------------------------------------------------------
Gillette Co. Common 37576610-2 837 20,417 Shares Sole 18,000 2,417
- ---------------------------------------------------------------------------------------------------------------------------------
Halliburton Co. Common 40621610-1 1,396 30,860 Shares Sole 30,860
- ---------------------------------------------------------------------------------------------------------------------------------
Hasbro Inc. Common 41805610-7 1,588 56,850 Shares Sole 56,850
- ---------------------------------------------------------------------------------------------------------------------------------
Heinz H J Co. Common 42307410-3 847 16,903 Shares Sole 16,903
- ---------------------------------------------------------------------------------------------------------------------------------
Heinz H J Co. Common 42307410-3 72 1,450 Shares Shared 550 900
- ---------------------------------------------------------------------------------------------------------------------------------
Hewlett Packard Co. Common 42823610-3 3,947 39,278 Shares Sole 38,278 1,000
- ---------------------------------------------------------------------------------------------------------------------------------
Hewlett Packard Co. Common 42823610-3 221 2,200 Shares Shared 1,800 400
- ---------------------------------------------------------------------------------------------------------------------------------
<PAGE>
Intel Corp. Common 45814010-0 2,909 48,897 Shares Sole 47,897 1,000
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Page 5 of 9
</TABLE>
<PAGE>
<TABLE>
FORM 13F INFORMATION TABLE
<CAPTION>
COLUMN 1 COLUMN2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
- --------------------------- -------------- --------- -------- -------------------- ---------- -------- -----------------------
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGERS SOLE SHARED NONE
- --------------------------- -------------- --------- -------- ------- --- ---- ---------- -------- ------- ------- ------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
Intel Corp. Common 45814010-0 144 2,432 Shares Shared 2,432
- ---------------------------------------------------------------------------------------------------------------------------------
IBM Corp. Common 45920010-1 2,754 21,312 Shares Sole 21,312
- ---------------------------------------------------------------------------------------------------------------------------------
IBM Corp. Common 45920010-1 163 1,266 Shares Shared 666 600
- ---------------------------------------------------------------------------------------------------------------------------------
Johnson & Johnson Common 47816010-4 3,187 32,522 Shares Sole 31,000 1,522
- ---------------------------------------------------------------------------------------------------------------------------------
Johnson & Johnson Common 47816010-4 235 2,400 Shares Shared 2,400
- ---------------------------------------------------------------------------------------------------------------------------------
Johnson Ctls Inc. Common 47836610-7 1,707 24,634 Shares Sole 23,134 1,500
- ---------------------------------------------------------------------------------------------------------------------------------
Johnson Ctls Inc. Common 47836610-7 34 500 Shares Shared 500
- ---------------------------------------------------------------------------------------------------------------------------------
Kellogg Co. Common 48783610-8 477 14,474 Shares Sole 14,274 200
- ---------------------------------------------------------------------------------------------------------------------------------
Keycorp Common 49326710-8 449 14,000 Shares Sole 14,000
- ---------------------------------------------------------------------------------------------------------------------------------
Lilly Eli & Co. Common 53245710-8 587 8,200 Shares Sole 8,200
- ---------------------------------------------------------------------------------------------------------------------------------
Lilly Eli & Co. Common 53245710-8 57 800 Shares Shared 800
- ---------------------------------------------------------------------------------------------------------------------------------
Lockheed Martin Corp. Common 53983010-9 1,316 35,334 Shares Sole 35,334
- ---------------------------------------------------------------------------------------------------------------------------------
Lowes Cos Inc. Common 54866110-7 1,088 19,200 Shares Sole 19,200
- ---------------------------------------------------------------------------------------------------------------------------------
Lucent Technologies Inc. Common 54946310-7 2,935 43,526 Shares Sole 43,526
- ---------------------------------------------------------------------------------------------------------------------------------
Lucent Technologies Inc. Common 54946310-7 48 716 Shares Shared 716
- ---------------------------------------------------------------------------------------------------------------------------------
Merck & Co. Inc. Common 58933110-7 5,427 73,720 Shares Sole 72,920 800
- ---------------------------------------------------------------------------------------------------------------------------------
Merck & Co. Inc. Common 58933110-7 154 2,100 Shares Shared 1,300 800
- ---------------------------------------------------------------------------------------------------------------------------------
Microsoft Corporation Common 59491810-4 2,061 22,859 Shares Sole 20,059 2,800
- ---------------------------------------------------------------------------------------------------------------------------------
Microsoft Corporation Common 59491810-4 90 1,000 Shares Shared 1,000
- ---------------------------------------------------------------------------------------------------------------------------------
Minnesota Mng & Mfg Co. Common 60405910-5 489 5,628 Shares Sole 5,628
- ---------------------------------------------------------------------------------------------------------------------------------
<PAGE>
Mobil Corp. Common 60705910-2 6,710 67,950 Shares Sole 63,858 4,092
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Page 6 of 9
</TABLE>
<PAGE>
<TABLE>
FORM 13F INFORMATION TABLE
<CAPTION>
COLUMN 1 COLUMN2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
- --------------------------- -------------- --------- -------- -------------------- ---------- -------- -----------------------
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGERS SOLE SHARED NONE
- --------------------------- -------------- --------- -------- ------- --- ---- ---------- -------- ------- ------- ------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
Mobil Corp. Common 60705910-2 122 1,240 Shares Shared 1,240
- ---------------------------------------------------------------------------------------------------------------------------------
Morgan Stanley Dean Witter &
Co. Common 61744644-8 3,516 34,264 Shares Sole 34,101 163
- ---------------------------------------------------------------------------------------------------------------------------------
Morgan Stanley Dean Witter &
Co. Common 61744644-8 89 870 Shares Shared 100 700
- ---------------------------------------------------------------------------------------------------------------------------------
Motorola Inc. Common 62007610-9 1,184 12,500 Shares Sole 12,500
- ---------------------------------------------------------------------------------------------------------------------------------
National City Corp. Common 63540510-3 1,332 20,350 Shares Sole 20,350
- ---------------------------------------------------------------------------------------------------------------------------------
National City Corp. Common 63540510-3 196 3,000 Shares Shared 3,000
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NICOR Inc. Common 65408610-7 333 8,750 Shares Sole 8,750
- ---------------------------------------------------------------------------------------------------------------------------------
NICOR Inc. Common 65408610-7 7 200 Shares Shared 200
- ---------------------------------------------------------------------------------------------------------------------------------
Nisource Inc. Common 65473P10-5 245 9,524 Shares Shared 9,524
- ---------------------------------------------------------------------------------------------------------------------------------
Norfolk Southn Corp. Common 65584410-8 286 9,507 Shares Sole 9,507
- ---------------------------------------------------------------------------------------------------------------------------------
Northern Sts Pwr Co Minn Common 66577210-9 362 15,000 Shares Sole 15,000
- ---------------------------------------------------------------------------------------------------------------------------------
Old Kent Financial Corp. Common 67983310-3 1,365 32,603 Shares Sole 31,626 977
- ---------------------------------------------------------------------------------------------------------------------------------
Old Kent Financial Corp. Common 67983310-3 108 2,588 Shares Shared 1,388 1,200
- ---------------------------------------------------------------------------------------------------------------------------------
Pepsico Inc. Common 71344810-8 1,042 26,950 Shares Sole 24,550 2,400
- ---------------------------------------------------------------------------------------------------------------------------------
Pharmacia & Upjohn Inc. Common 71694110-9 490 8,627 Shares Sole 7,975 652
- ---------------------------------------------------------------------------------------------------------------------------------
Pharmacia & Upjohn Inc. Common 71694110-9 16 290 Shares Shared 290
- ---------------------------------------------------------------------------------------------------------------------------------
Pfizer Inc. Common 71708110-3 2,573 23,607 Shares Sole 22,907 700
- ---------------------------------------------------------------------------------------------------------------------------------
Pfizer Inc. Common 71708110-3 10 100 Shares Shared 100
- ---------------------------------------------------------------------------------------------------------------------------------
Phillip Morris Cos Inc. Common 71815410-7 434 10,800 Shares Sole 10,800
- ---------------------------------------------------------------------------------------------------------------------------------
<PAGE>
Phillip Morris Cos Inc. Common 71815410-7 14 352 Shares Shared 352
- ---------------------------------------------------------------------------------------------------------------------------------
Procter & Gamble Co. Common 74271810-9 2,713 30,400 Shares Sole 29,200 1,200
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Page 7 of 9
</TABLE>
<PAGE>
<TABLE>
FORM 13F INFORMATION TABLE
<CAPTION>
COLUMN 1 COLUMN2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
- --------------------------- -------------- --------- -------- -------------------- ---------- -------- -----------------------
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGERS SOLE SHARED NONE
- --------------------------- -------------- --------- -------- ------- --- ---- ---------- -------- ------- ------- ------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
Procter & Gamble Co. Common 74271810-9 71 796 Shares Shared 112 684
- ---------------------------------------------------------------------------------------------------------------------------------
Quaker Oats Co. Common 74740210-5 252 3,800 Shares Sole 3,800
- ---------------------------------------------------------------------------------------------------------------------------------
Quaker Oats Co. Common 74740210-5 26 400 Shares Shared 400
- ---------------------------------------------------------------------------------------------------------------------------------
Raytheon Co. Cl B Common 75511140-8 440 6,250 Shares Sole 5,050 1,200
- ---------------------------------------------------------------------------------------------------------------------------------
Ross Stores Inc. Common 77829610-3 2,161 42,900 Shares Sole 42,900
- ---------------------------------------------------------------------------------------------------------------------------------
Ross Stores Inc. Common 77829610-3 15 300 Shares Shared 300
- ---------------------------------------------------------------------------------------------------------------------------------
SBC Communications Inc. Common 78387G10-3 2,328 40,150 Shares Sole 40,150
- ---------------------------------------------------------------------------------------------------------------------------------
SBC Communications Inc. Common 78387G10-3 103 1,784 Shares Shared 1,784
- ---------------------------------------------------------------------------------------------------------------------------------
Sara Lee Corporation Common 80311110-3 1,074 47,380 Shares Sole 47,380
- ---------------------------------------------------------------------------------------------------------------------------------
Sara Lee Corporation Common 80311110-3 7 349 Shares Shared 349
- ---------------------------------------------------------------------------------------------------------------------------------
Schering Plough Corp. Common 80660510-1 9,351 178,120 Shares Sole 175,720 2,400
- ---------------------------------------------------------------------------------------------------------------------------------
Schering Plough Corp. Common 80660510-1 21 400 Shares Shared 400
- ---------------------------------------------------------------------------------------------------------------------------------
Schlumberger Ltd. Common 80685710-8 166 2,610 Shares Sole 2,610
- ---------------------------------------------------------------------------------------------------------------------------------
Schlumberger Ltd. Common 80685710-8 38 600 Shares Shared 600
- ---------------------------------------------------------------------------------------------------------------------------------
Sears Roebuck & Co. Common 81238710-8 144 3,240 Shares Sole 3,240
- ---------------------------------------------------------------------------------------------------------------------------------
Sears Roebuck & Co. Common 81238710-8 114 2,580 Shares Shared 2,580
- ---------------------------------------------------------------------------------------------------------------------------------
Stryker Corp. Common 86366710-1 661 11,000 Shares Sole 11,000
- ---------------------------------------------------------------------------------------------------------------------------------
Stryker Corp. Common 86366710-1 78 1,300 Shares Shared 1,300
- ---------------------------------------------------------------------------------------------------------------------------------
TRW Inc. Common 87264910-8 905 16,500 Shares Sole 15,400 1,100
- ---------------------------------------------------------------------------------------------------------------------------------
Texaco Inc. Common 88169410-3 1,330 21,330 Shares Sole 18,740 2,590
- ---------------------------------------------------------------------------------------------------------------------------------
<PAGE>
Texaco Inc. Common 88169410-3 31 500 Shares Shared 500
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Page 8 of 9
</TABLE>
<PAGE>
<TABLE>
FORM 13F INFORMATION TABLE
<CAPTION>
COLUMN 1 COLUMN2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
- --------------------------- -------------- --------- -------- ---------------------- --------- -------- --------------------
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGERS SOLE SHARED NONE
- --------------------------- -------------- --------- -------- ------- --- ---- ---------- -------- ----- ------- ------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
Three Com Corp. Common 88553510-4 880 33,000 Shares Sole 33,000
- ---------------------------------------------------------------------------------------------------------------------------------
USX-U.S. Stl Group Common 90337T10-1 845 31,300 Shares Sole 31,300
- ---------------------------------------------------------------------------------------------------------------------------------
United Technologies Corp. Common 91301710-9 414 5,760 Shares Sole 5,760
- ---------------------------------------------------------------------------------------------------------------------------------
VF Corp. Common 91820410-8 1,791 41,900 Shares Sole 41,900
- ---------------------------------------------------------------------------------------------------------------------------------
VF Corp. Common 91820410-8 21 500 Shares Shared 500
- ---------------------------------------------------------------------------------------------------------------------------------
Viad Corp. Common 92552R10-9 2,074 67,052 Shares Sole 67,052
- ---------------------------------------------------------------------------------------------------------------------------------
Wal Mart Stores Inc. Common 93114210-3 540 11,200 Shares Sole 11,200
- ---------------------------------------------------------------------------------------------------------------------------------
Wal Mart Stores Inc. Common 93114210-3 11 232 Shares Shared 232
- ---------------------------------------------------------------------------------------------------------------------------------
Walgreen Co. Common 93142210-9 1,007 34,300 Shares Sole 29,100 5,200
- ---------------------------------------------------------------------------------------------------------------------------------
Walgreen Co. Common 93142210-9 70 2,400 Shares Shared 2,400
- ---------------------------------------------------------------------------------------------------------------------------------
Warner Lambert Co. Common 93448810-7 2,763 39,980 Shares Sole 9,164 30,816
- ---------------------------------------------------------------------------------------------------------------------------------
Wells Fargo and Company NEW Common 94974610-1 2,064 48,284 Shares Sole 45,784 2,500
- ---------------------------------------------------------------------------------------------------------------------------------
Wells Fargo and Company NEW Common 94974610-1 68 1,600 Shares Shared 1,600
- ---------------------------------------------------------------------------------------------------------------------------------
Weyerhaeuser Co. Common 96216610-4 721 10,500 Shares Sole 9,600 900
- ---------------------------------------------------------------------------------------------------------------------------------
Willamette Industries Inc. Common 96913310-7 216 4,700 Shares Sole 4,700
- ---------------------------------------------------------------------------------------------------------------------------------
Wisconsin Energy Corp. Common 97665710-6 219 8,760 Shares Sole 8,760
- ---------------------------------------------------------------------------------------------------------------------------------
Xerox Corp. Common 98412110-3 3,542 59,980 Shares Sole 58,180 1,800
- ---------------------------------------------------------------------------------------------------------------------------------
Xerox Corp. Common 98412110-3 50 850 Shares Shared 850
- ---------------------------------------------------------------------------------------------------------------------------------
GRAND TOTALS 399,789 6,011,872 5,446,108 565,764
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Page 9 of 9
</TABLE>
