<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: September 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, MI September 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: 183
------------
Form 13F Information Table Value Total: $357,810
------------
(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 3,924 90,213 Shares Sole 88,338 1,875
- ---------------------------------------------------------------------------------------------------------------------------------
AT & T Corp. Common 00195710-9 151 3,461 Shares Shared 2,111 1,350
- ---------------------------------------------------------------------------------------------------------------------------------
Abbott Labs Common 00282410-0 1,548 42,185 Shares Sole 39,785 2,400
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Abbott Labs Common 00282410-0 235 6,400 Shares Shared 6,400
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Air Products & Chemicals, Inc. Common 00915810-6 263 9,000 Shares Sole 9,000
- ---------------------------------------------------------------------------------------------------------------------------------
Allied Signal Inc. Common 01951210-2 223 3,724 Shares Sole 3,724
- ---------------------------------------------------------------------------------------------------------------------------------
Allied Signal Inc. Common 01951210-2 30 500 Shares Shared 500
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Allstate Corp. Common 02000210-1 1,209 48,500 Shares Sole 48,500
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Allstate Corp. Common 02000210-1 151 6,038 Shares Shared 5,438 600
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American Express Co. Common 02581610-9 261 1,936 Shares Sole 1,936
- ---------------------------------------------------------------------------------------------------------------------------------
American Home Prods Corp. Common 02660910-7 3,161 76,160 Shares Sole 74,460 1,700
- ---------------------------------------------------------------------------------------------------------------------------------
American Home Prods Corp. Common 02660910-7 184 4,440 Shares Shared 2,700 1,740
- ---------------------------------------------------------------------------------------------------------------------------------
Ameritech Common 03095410-1 4,102 61,452 Shares Sole 58,264 3,188
- ---------------------------------------------------------------------------------------------------------------------------------
Ameritech Common 03095410-1 116 1,732 Shares Shared 1,732
- ---------------------------------------------------------------------------------------------------------------------------------
Analog Devices Inc. Common 03265410-5 554 10,800 Shares Sole 10,800
- ---------------------------------------------------------------------------------------------------------------------------------
Assoc 1st Cap Corp C1 A Common 04600810-8 432 12,006 Shares Sole 12,006
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Assoc 1st Cap Corp C1 A Common 04600810-8 30 836 Shares Shared 418 418
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Atlantic Richfield Co. Common 04882510-3 281 3,176 Shares Sole 2,876 300
- ---------------------------------------------------------------------------------------------------------------------------------
Automatic Data Processing Inc. Common 05301510-3 1,736 38,900 Shares Sole 35,500 3,400
- ---------------------------------------------------------------------------------------------------------------------------------
BP Amoco Adr Plc Common 05562210-4 340 3,066 Shares Sole 2,778 288
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<PAGE>
BP Amoco Adr Plc Common 05562210-4 132 1,192 Shares Shared 864 328
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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 06405710-2 380 11,376 Shares Sole 11,376
- ---------------------------------------------------------------------------------------------------------------------------------
Bank One Corp. Common 06423A10-3 5,987 171,970 Shares Sole 171,646 324
- ---------------------------------------------------------------------------------------------------------------------------------
Bank One Corp. Common 06423A10-3 102 2,944 Shares Shared 1,944 1,000
- ---------------------------------------------------------------------------------------------------------------------------------
Bell Atlantic Corp. Common 07785310-9 3,645 54,148 Shares Sole 51,800 2,348
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Bell Atlantic Corp. Common 07785310-9 236 3,502 Shares Shared 2,582 920
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BellSouth Corp. Common 07986010-2 2,164 48,090 Shares Sole 48,090
- ---------------------------------------------------------------------------------------------------------------------------------
BellSouth Corp. Common 07986010-2 139 3,092 Shares Shared 3,092
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Bergen Brunswig Corp. Common 08373910-2 510 49,110 Shares Sole 49,110
- ---------------------------------------------------------------------------------------------------------------------------------
Bergen Brunswig Corp. Common 08373910-2 7 675 Shares Shared 675
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Bestfoods Inc. Common 08658U10-1 884 18,206 Shares Sole 17,806 400
- ---------------------------------------------------------------------------------------------------------------------------------
Biomet Inc. Common 09061310-0 839 31,900 Shares Sole 31,900
- ---------------------------------------------------------------------------------------------------------------------------------
Biomet Inc. Common 09061310-0 21 800 Shares Shared 800
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Boeing Inc. Common 09702310-5 462 10,844 Shares Sole 10,844
- ---------------------------------------------------------------------------------------------------------------------------------
Boeing Inc. Common 09702310-5 47 1,100 Shares Shared 1,100
- ---------------------------------------------------------------------------------------------------------------------------------
Bristol-Myers Squibb Co. Common 11012210-8 2,768 41,000 Shares Sole 41,000
- ---------------------------------------------------------------------------------------------------------------------------------
Bristol-Myers Squibb Co. Common 11012210-8 189 2,800 Shares Shared 2,800
- ---------------------------------------------------------------------------------------------------------------------------------
CIGNA Corp. Common 12550910-9 1,868 24,030 Shares Sole 24,030
- ---------------------------------------------------------------------------------------------------------------------------------
CIGNA Corp. Common 12550910-9 38 485 Shares Shared 485
- ---------------------------------------------------------------------------------------------------------------------------------
Carolina Pwr & Lt Co. Common 14414110-8 356 10,050 Shares Sole 10,050
- ---------------------------------------------------------------------------------------------------------------------------------
Centex Corp. Common 15231210-4 544 18,400 Shares Sole 18,400
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<PAGE>
Chemical Financial Corp. Common 16373110-2 40,845 1,203,525 Shares Sole 965,208 238,317
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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 1,734 51,087 Shares Shared 50,376 711
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Chevron Corp. Common 16675110-7 311 3,499 Shares Sole 3,299 200
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Chevron Corp. Common 16675110-7 33 368 Shares Shared 368
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Choiceone Financial Services Common 17038510-6 617 22,869 Shares Sole 22,869
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Cisco Systems Inc. Common 17275R10-2 69 1,000 Shares Sole 1,000
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Cisco Systems Inc. Common 17275R10-2 206 3,000 Shares Shared 3,000
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Citizens Bkg Corp. Mich Common 17442010-9 3,112 119,138 Shares Sole 94,709 24,429
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Citizens Bkg Corp. Mich Common 17442010-9 31 1,173 Shares Shared 603 570
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Coca Cola Co. Common 19121610-0 492 10,200 Shares Sole 7,800 2,400
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Coca Cola Co. Common 19121610-0 9 180 Shares Shared 180
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Comerica Inc. Common 20034010-7 1,790 35,356 Shares Sole 33,935 1,421
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Comerica Inc. Common 20034010-7 56 1,100 Shares Shared 300 800
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Commercial Nat'l Finl Corp. Common 20221610-7 450 34,590 Shares Sole 34,590
- ---------------------------------------------------------------------------------------------------------------------------------
Compaq Computer Corp. Common 20449310-0 1,911 83,527 Shares Sole 83,029 498
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Compaq Computer Corp. Common 20449310-0 87 3,800 Shares Shared 2,300 1,500
- ---------------------------------------------------------------------------------------------------------------------------------
Conagra Inc. Common 20588710-2 1,408 62,393 Shares Sole 60,393 2,000
- ---------------------------------------------------------------------------------------------------------------------------------
Conagra Inc. Common 20588710-2 13 590 Shares Shared 590
- ---------------------------------------------------------------------------------------------------------------------------------
Corning Inc. Common 21935010-5 576 8,396 Shares Sole 8,396
- ---------------------------------------------------------------------------------------------------------------------------------
Dana Corp. Common 23581110-6 702 18,900 Shares Sole 18,700 200
- ---------------------------------------------------------------------------------------------------------------------------------
Dana Corp. Common 23581110-6 30 800 Shares Shared 300 500
- ---------------------------------------------------------------------------------------------------------------------------------
<PAGE>
Hudson Corp. Common 23975310-6 2,453 40,845 Shares Sole 40,245 600
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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 23975310-6 168 2,800 Shares Shared 1,600 1,200
- ---------------------------------------------------------------------------------------------------------------------------------
Dean Foods Co. Common 24236110-3 1,215 27,900 Shares Sole 27,900
- ---------------------------------------------------------------------------------------------------------------------------------
Delphi Automotive Sys. Common 24712610-5 155 9,680 Shares Sole 9,611 69
- ---------------------------------------------------------------------------------------------------------------------------------
Delphi Automotive Sys. Common 24712610-5 6 347 Shares Shared 347
- ---------------------------------------------------------------------------------------------------------------------------------
Dover Corp. Common 26000310-8 1,556 38,069 Shares Sole 38,069
- ---------------------------------------------------------------------------------------------------------------------------------
Dover Corp. Common 26000310-8 16 400 Shares Shared 400
- ---------------------------------------------------------------------------------------------------------------------------------
Dow Chemical Co. Common 26054310-3 127,526 1,122,341 Shares Sole 1,004,195 118,146
- ---------------------------------------------------------------------------------------------------------------------------------
Dow Chemical Co. Common 26054310-3 17,878 157,342 Shares Shared 98,645 58,697
- ---------------------------------------------------------------------------------------------------------------------------------
DuPont El De Nemours & Co. Common 26353410-9 287 4,736 Shares Sole 4,568 168
- ---------------------------------------------------------------------------------------------------------------------------------
DuPont El De Nemours & Co. Common 26353410-9 73 1,200 Shares Shared 1,200
- ---------------------------------------------------------------------------------------------------------------------------------
Electronic Data Systems Corp. Common 28566110-4 486 9,172 Shares Sole 9,172
- ---------------------------------------------------------------------------------------------------------------------------------
Electronic Data Systems Corp. Common 28566110-4 11 200 Shares Shared 200
- ---------------------------------------------------------------------------------------------------------------------------------
Emerson Elec Co. Common 29101110-4 1,070 16,930 Shares Sole 15,230 1,700
- ---------------------------------------------------------------------------------------------------------------------------------
Emerson Elec Co. Common 29101110-4 25 400 Shares Shared 400
- ---------------------------------------------------------------------------------------------------------------------------------
Equifax Inc. Common 29442910-5 319 11,350 Shares Sole 11,350
- ---------------------------------------------------------------------------------------------------------------------------------
Equifax Inc. Common 29442910-5 23 800 Shares Shared 800
- ---------------------------------------------------------------------------------------------------------------------------------
Exxon Corp. Common 30229010-1 6,189 81,432 Shares Sole 76,232 5,200
- ---------------------------------------------------------------------------------------------------------------------------------
Exxon Corp. Common 30229010-1 91 1,200 Shares Shared 600 600
- ---------------------------------------------------------------------------------------------------------------------------------
FPL Group Inc. Common 30257110-4 214 4,257 Shares Sole 4,257
- ---------------------------------------------------------------------------------------------------------------------------------
FPL Group Inc. Common 30257110-4 20 400 Shares Shared 400
- ---------------------------------------------------------------------------------------------------------------------------------
<PAGE>
Federal Natl Mtg Assn. Common 31358610-9 2,177 34,725 Shares Sole 32,525 2,200
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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>
Firstbank Corp. Mich. Common 33761G10-4 966 37,510 Shares Sole 37,510
- ---------------------------------------------------------------------------------------------------------------------------------
Ford Mtr. Co. Common 34537010-0 1,853 36,880 Shares Sole 36,880
- ---------------------------------------------------------------------------------------------------------------------------------
Ford Mtr. Co. Common 34537010-0 109 2,170 Shares Shared 1,370 800
- ---------------------------------------------------------------------------------------------------------------------------------
GPU Inc. Common 36225X10-0 1,037 31,795 Shares Sole 31,795
- ---------------------------------------------------------------------------------------------------------------------------------
GPU Inc. Common 36225X10-0 45 1,385 Shares Shared 685 700
- ---------------------------------------------------------------------------------------------------------------------------------
GTE Corp. Common 36232010-3 1,514 19,696 Shares Sole 19,696
- ---------------------------------------------------------------------------------------------------------------------------------
GTE Corp. Common 36232010-3 62 802 Shares Shared 402 400
- ---------------------------------------------------------------------------------------------------------------------------------
Gannett, Inc. Common 36473010-1 256 3,705 Shares Sole 3,705
- ---------------------------------------------------------------------------------------------------------------------------------
General Elec Co. Common 36960410-3 9,919 83,660 Shares Sole 81,660 2,000
- ---------------------------------------------------------------------------------------------------------------------------------
General Elec Co. Common 36960410-3 95 800 Shares Shared 800
- ---------------------------------------------------------------------------------------------------------------------------------
General Mtrs Corp. Common 37044210-5 936 14,878 Shares Sole 14,778 100
- ---------------------------------------------------------------------------------------------------------------------------------
General Mtrs Corp. Common 37044210-5 31 500 Shares Shared 500
- ---------------------------------------------------------------------------------------------------------------------------------
Gillette Co. Common 37576610-2 503 14,818 Shares Sole 12,400 2,418
- ---------------------------------------------------------------------------------------------------------------------------------
Halliburton Co. Common 40621610-1 663 16,160 Shares Sole 16,160
- ---------------------------------------------------------------------------------------------------------------------------------
Hasbro Inc. Common 41805610-7 1,061 49,350 Shares Sole 49,350
- ---------------------------------------------------------------------------------------------------------------------------------
Heinz H J Co. Common 42307410-3 606 14,103 Shares Sole 14,103
- ---------------------------------------------------------------------------------------------------------------------------------
Heinz H J Co. Common 42307410-3 62 1,450 Shares Shared 550 900
- ---------------------------------------------------------------------------------------------------------------------------------
Hewlett Packard Co. Common 42823610-3 3,410 37,578 Shares Sole 36,378 1,200
- ---------------------------------------------------------------------------------------------------------------------------------
Hewlett Packard Co. Common 42823610-3 191 2,100 Shares Shared 1,700 400
- ---------------------------------------------------------------------------------------------------------------------------------
Intel Corp. Common 45814010-0 3,714 49,972 Shares Sole 48,772 1,200
- ---------------------------------------------------------------------------------------------------------------------------------
<PAGE>
Corp. Common 45814010-0 181 2,432 Shares Shared 2,432
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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>
IBM Corp. Common 45920010-1 2,518 20,812 Shares Sole 20,812
- ---------------------------------------------------------------------------------------------------------------------------------
IBM Corp. Common 45920010-1 153 1,266 Shares Shared 666 600
- ---------------------------------------------------------------------------------------------------------------------------------
Johnson & Johnson Common 47816010-4 2,915 31,724 Shares Sole 30,200 1,524
- ---------------------------------------------------------------------------------------------------------------------------------
Johnson & Johnson Common 47816010-4 221 2,400 Shares Shared 2,400
- ---------------------------------------------------------------------------------------------------------------------------------
Johnson Ctls Inc. Common 47836610-7 1,083 16,334 Shares Sole 14,834 1,500
- ---------------------------------------------------------------------------------------------------------------------------------
Johnson Ctls Inc. Common 47836610-7 33 500 Shares Shared 500
- ---------------------------------------------------------------------------------------------------------------------------------
Kellogg Co. Common 48783610-8 504 13,474 Shares Sole 13,274 200
- ---------------------------------------------------------------------------------------------------------------------------------
Keycorp Common 49326710-8 361 14,000 Shares Sole 14,000
- ---------------------------------------------------------------------------------------------------------------------------------
Lilly Eli & Co. Common 53245710-8 552 8,600 Shares Sole 8,600
- ---------------------------------------------------------------------------------------------------------------------------------
Lilly Eli & Co. Common 53245710-8 51 800 Shares Shared 800
- ---------------------------------------------------------------------------------------------------------------------------------
Litton Industries Inc. Common 53802110-6 777 14,200 Shares Sole 14,200
- ---------------------------------------------------------------------------------------------------------------------------------
Lockheed Martin Corp. Common 53983010-9 1,292 39,534 Shares Sole 39,534
- ---------------------------------------------------------------------------------------------------------------------------------
Lowes Cos Inc. Common 54866110-7 968 19,850 Shares Sole 19,850
- ---------------------------------------------------------------------------------------------------------------------------------
Lucent Technologies Inc. Common 54946310-7 2,760 42,542 Shares Sole 42,542
- ---------------------------------------------------------------------------------------------------------------------------------
Lucent Technologies Inc. Common 54946310-7 47 716 Shares Shared 716
- ---------------------------------------------------------------------------------------------------------------------------------
Merck & Co. Inc. Common 58933110-7 4,720 72,820 Shares Sole 72,020 800
- ---------------------------------------------------------------------------------------------------------------------------------
Merck & Co. Inc. Common 58933110-7 136 2,100 Shares Shared 1,300 800
- ---------------------------------------------------------------------------------------------------------------------------------
Microsoft Corporation Common 59491810-4 2,129 23,509 Shares Sole 20,709 2,800
- ---------------------------------------------------------------------------------------------------------------------------------
Microsoft Corporation Common 59491810-4 91 1,000 Shares Shared 1,000
- ---------------------------------------------------------------------------------------------------------------------------------
Minnesota Mng & Mfg Co. Common 60405910-5 541 5,628 Shares Sole 5,628
- ---------------------------------------------------------------------------------------------------------------------------------
<PAGE>
Mobil Corp. Common 60705910-2 6,852 68,010 Shares Sole 63,918 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 60705910-2 152 1,506 Shares Shared 1,506
- ---------------------------------------------------------------------------------------------------------------------------------
Morgan Stanley Dean Witter &
Co. Common 61744644-8 3,123 35,014 Shares Sole 34,851 163
- ---------------------------------------------------------------------------------------------------------------------------------
Morgan Stanley Dean Witter &
Co. Common 61744644-8 78 870 Shares Shared 170 700
- ---------------------------------------------------------------------------------------------------------------------------------
Motorola Inc. Common 62007610-9 1,091 12,400 Shares Sole 12,400
- ---------------------------------------------------------------------------------------------------------------------------------
National City Corp. Common 63540510-3 1,086 40,700 Shares Sole 40,700
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National City Corp. Common 63540510-3 160 6,000 Shares Shared 6,000
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NICOR Inc. Common 65408610-7 326 8,750 Shares Sole 8,750
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NICOR Inc. Common 65408610-7 7 200 Shares Shared 200
- ---------------------------------------------------------------------------------------------------------------------------------
Nisource Inc. Common 65473P10-5 211 9,524 Shares Sole 9,524
- ---------------------------------------------------------------------------------------------------------------------------------
Norfolk Southn Corp. Common 65584410-8 233 9,507 Shares Sole 9,507
- ---------------------------------------------------------------------------------------------------------------------------------
Northern Sts Pwr Co Minn Common 66577210-9 323 15,000 Shares Sole 15,000
- ---------------------------------------------------------------------------------------------------------------------------------
Old Kent Financial Corp. Common 67983310-3 898 24,184 Shares Sole 23,207 977
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Old Kent Financial Corp. Common 67983310-3 101 2,716 Shares Shared 1,456 1,260
- ---------------------------------------------------------------------------------------------------------------------------------
Pepsico Inc. Common 71344810-8 779 25,550 Shares Sole 23,150 2,400
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Pharmacia & Upjohn Inc. Common 71694110-9 428 8,627 Shares Sole 7,975 652
- ---------------------------------------------------------------------------------------------------------------------------------
Pharmacia & Upjohn Inc. Common 71694110-9 14 290 Shares Shared 290
- ---------------------------------------------------------------------------------------------------------------------------------
Pfizer Inc. Common 71708110-3 2,569 71,621 Shares Sole 69,521 2,100
- ---------------------------------------------------------------------------------------------------------------------------------
Pfizer Inc. Common 71708110-3 11 300 Shares Shared 300
- ---------------------------------------------------------------------------------------------------------------------------------
Phillip Morris Cos Inc. Common 71815410-7 369 10,800 Shares Sole 10,800
- ---------------------------------------------------------------------------------------------------------------------------------
<PAGE>
Phillip Morris Cos Inc. Common 71815410-7 12 352 Shares Shared 352
- ---------------------------------------------------------------------------------------------------------------------------------
Procter & Gamble Co. Common 74271810-9 2,850 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 75 796 Shares Shared 112 684
- ---------------------------------------------------------------------------------------------------------------------------------
Quaker Oats Co. Common 74740210-5 223 3,600 Shares Sole 3,600
- ---------------------------------------------------------------------------------------------------------------------------------
Quaker Oats Co. Common 74740210-5 25 400 Shares Shared 400
- ---------------------------------------------------------------------------------------------------------------------------------
Raytheon Co. C1 B Common 75511140-8 310 6,250 Shares Sole 6,250
- ---------------------------------------------------------------------------------------------------------------------------------
Ross Stores Inc. Common 77829610-3 1,703 84,600 Shares Sole 84,600
- ---------------------------------------------------------------------------------------------------------------------------------
Ross Stores Inc. Common 77829610-3 12 600 Shares Shared 600
- ---------------------------------------------------------------------------------------------------------------------------------
SBC Communications Inc. Common 78387G10-3 1,845 36,140 Shares Sole 36,140
- ---------------------------------------------------------------------------------------------------------------------------------
SBC Communications Inc. Common 78387G10-3 91 1,784 Shares Shared 1,784
- ---------------------------------------------------------------------------------------------------------------------------------
Sara Lee Corporation Common 80311110-3 1,187 50,780 Shares Sole 50,780
- ---------------------------------------------------------------------------------------------------------------------------------
Sara Lee Corporation Common 80311110-3 8 349 Shares Shared 349
- ---------------------------------------------------------------------------------------------------------------------------------
Schering Plough Corp. Common 80660510-1 7,648 175,320 Shares Sole 172,920 2,400
- ---------------------------------------------------------------------------------------------------------------------------------
Schering Plough Corp. Common 80660510-1 17 400 Shares Shared 400
- ---------------------------------------------------------------------------------------------------------------------------------
Schlumberger Ltd. Common 80685710-8 163 2,610 Shares Sole 2,610
- ---------------------------------------------------------------------------------------------------------------------------------
Schlumberger Ltd. Common 80685710-8 37 600 Shares Shared 600
- ---------------------------------------------------------------------------------------------------------------------------------
Stryker Corp. Common 86366710-1 562 11,000 Shares Sole 11,000
- ---------------------------------------------------------------------------------------------------------------------------------
Stryker Corp. Common 86366710-1 66 1,300 Shares Shared 1,300
- ---------------------------------------------------------------------------------------------------------------------------------
TRW Inc. Common 87264910-8 801 16,100 Shares Sole 15,000 1,100
- ---------------------------------------------------------------------------------------------------------------------------------
Texaco Inc. Common 88169410-3 1,359 21,530 Shares Sole 18,940 2,590
- ---------------------------------------------------------------------------------------------------------------------------------
Texaco Inc. Common 88169410-3 32 500 Shares Shared 500
- ---------------------------------------------------------------------------------------------------------------------------------
Three Com Corp. Common 88553510-4 1,101 38,300 Shares Sole 38,300
- ---------------------------------------------------------------------------------------------------------------------------------
<PAGE>
United Technologies Corp. Common 91301710-9 342 5,760 Shares Sole 5,760
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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>
VF Corp. Common 91820410-8 1,104 35,600 Shares Sole 35,600
- ---------------------------------------------------------------------------------------------------------------------------------
VF Corp. Common 91820410-8 16 500 Shares Shared 500
- ---------------------------------------------------------------------------------------------------------------------------------
Viad Corp. Common 92552R10-9 1,978 67,052 Shares Sole 67,052
- ---------------------------------------------------------------------------------------------------------------------------------
Wal Mart Stores Inc. Common 93114210-3 504 10,600 Shares Sole 10,600
- ---------------------------------------------------------------------------------------------------------------------------------
Wal Mart Stores Inc. Common 93114210-3 11 232 Shares Shared 232
- ---------------------------------------------------------------------------------------------------------------------------------
Walgreen Co. Common 93142210-9 952 37,500 Shares Sole 32,300 5,200
- ---------------------------------------------------------------------------------------------------------------------------------
Walgreen Co. Common 93142210-9 61 2,400 Shares Shared 2,400
- ---------------------------------------------------------------------------------------------------------------------------------
Warner Lambert Co. Common 93448810-7 2,654 39,980 Shares Sole 9,164 30,816
- ---------------------------------------------------------------------------------------------------------------------------------
Wells Fargo and Company NEW Common 94974610-1 1,913 48,284 Shares Sole 45,784 2,500
- ---------------------------------------------------------------------------------------------------------------------------------
Wells Fargo and Company NEW Common 94974610-1 63 1,600 Shares Shared 1,600
- ---------------------------------------------------------------------------------------------------------------------------------
Weyerhaeuser Co. Common 96216610-4 732 12,700 Shares Sole 11,800 900
- ---------------------------------------------------------------------------------------------------------------------------------
Willamette Industries Inc. Common 96913310-7 203 4,700 Shares Sole 4,700
- ---------------------------------------------------------------------------------------------------------------------------------
Wisconsin Energy Corp. Common 97665710-6 200 8,550 Shares Sole 8,550
- ---------------------------------------------------------------------------------------------------------------------------------
Xerox Corp. Common 98412110-3 2,348 55,980 Shares Sole 54,180 1,800
- ---------------------------------------------------------------------------------------------------------------------------------
Xerox Corp. Common 98412110-3 36 850 Shares Shared 850
- ---------------------------------------------------------------------------------------------------------------------------------
- ---------------------------------------------------------------------------------------------------------------------------------
- ---------------------------------------------------------------------------------------------------------------------------------
- ---------------------------------------------------------------------------------------------------------------------------------
GRAND TOTALS 357,810 6,083,377 5,514,946 568,431
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Page 9 of 9
</TABLE>
