<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: March 31, 2000
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 March 31, 2000
[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: 181
------------
Form 13F Information Table Value Total: $355,297
------------
(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 4,995 88,706 Shares Sole 86,831 1,875
- ---------------------------------------------------------------------------------------------------------------------------------
AT & T Corp. Common 00195710-9 268 4,761 Shares Shared 3,411 1,350
- ---------------------------------------------------------------------------------------------------------------------------------
Abbott Labs Common 00282410-0 1,449 41,185 Shares Sole 38,785 2,400
- ---------------------------------------------------------------------------------------------------------------------------------
Abbott Labs Common 00282410-0 310 8,815 Shares Shared 8,815
- ---------------------------------------------------------------------------------------------------------------------------------
Air Products & Chemicals, Inc. Common 00915810-6 Shares Sole
- ---------------------------------------------------------------------------------------------------------------------------------
Allied Signal Inc. Common 01951210-2 Shares Sole
- ---------------------------------------------------------------------------------------------------------------------------------
Allied Signal Inc. Common 01951210-2 Shares Shared
- ---------------------------------------------------------------------------------------------------------------------------------
Allstate Corp. Common 02000210-1 1,125 47,284 Shares Sole 47,284
- ---------------------------------------------------------------------------------------------------------------------------------
Allstate Corp. Common 02000210-1 143 6,040 Shares Shared 5,440 600
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American Express Co. Common 02581610-9 295 1,986 Shares Sole 1,986
- ---------------------------------------------------------------------------------------------------------------------------------
American Home Prods Corp. Common 02660910-7 4,002 74,460 Shares Sole 72,760 1,700
- ---------------------------------------------------------------------------------------------------------------------------------
American Home Prods Corp. Common 02660910-7 238 4,440 Shares Shared 2,700 1,740
- ---------------------------------------------------------------------------------------------------------------------------------
Ameritech Common 03095410-1 Shares Sole
- ---------------------------------------------------------------------------------------------------------------------------------
Ameritech Common 03095410-1 Shares Shared
- ---------------------------------------------------------------------------------------------------------------------------------
Analog Devices Inc. Common 03265410-5 1,618 20,111 Shares Sole 20,111
- ---------------------------------------------------------------------------------------------------------------------------------
Applied Matls Inc. Common 03822210-5 603 6,400 Shares Sole 6,400
- ---------------------------------------------------------------------------------------------------------------------------------
Assoc 1st Cap Corp C1 A Common 04600810-8 571 26,758 Shares Sole 26,758
- ---------------------------------------------------------------------------------------------------------------------------------
Assoc 1st Cap Corp C1 A Common 04600810-8 40 1,884 Shares Shared 1,466 418
- ---------------------------------------------------------------------------------------------------------------------------------
Atlantic Richfield Co. Common 04882510-3 269 3,176 Shares Sole 2,876 300
- ---------------------------------------------------------------------------------------------------------------------------------
Automatic Data Processing Inc. Common 05301510-3 1,575 32,650 Shares Sole 29,250 3,400
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<PAGE>
BP Amoco Adr Plc Common 05562210-4 326 6,140 Shares Sole 5,556 584
- ---------------------------------------------------------------------------------------------------------------------------------
BP Amoco Adr Plc Common 05562210-4 126 2,384 Shares Shared 1,728 656
- ---------------------------------------------------------------------------------------------------------------------------------
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 06405710-2 472 11,376 Shares Sole 11,376
- ---------------------------------------------------------------------------------------------------------------------------------
Bank One Corp. Common 06423A10-3 5,907 171,869 Shares Sole 171,545 324
- ---------------------------------------------------------------------------------------------------------------------------------
Bank One Corp. Common 06423A10-3 108 3,144 Shares Shared 2,144 1,000
- ---------------------------------------------------------------------------------------------------------------------------------
Baxter Intl Inc. Common 07181310-9 1,149 18,334 Shares Sole 18,334
- ---------------------------------------------------------------------------------------------------------------------------------
Bell Atlantic Corp. Common 07785310-9 2,705 44,254 Shares Sole 41,906 2,348
- ---------------------------------------------------------------------------------------------------------------------------------
Bell Atlantic Corp. Common 07785310-9 217 3,552 Shares Shared 2,632 920
- ---------------------------------------------------------------------------------------------------------------------------------
BellSouth Corp. Common 07986010-2 2,134 45,528 Shares Sole 45,528
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BellSouth Corp. Common 07986010-2 144 3,092 Shares Shared 3,092
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Bergen Brunswig Corp. Common 08373910-2 442 65,510 Shares Sole 65,510
- ---------------------------------------------------------------------------------------------------------------------------------
Bergen Brunswig Corp. Common 08373910-2 4 675 Shares Shared 675
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Bestfoods Inc. Common 08658U10-1 852 18,206 Shares Sole 17,806 400
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Biomet Inc. Common 09061310-0 287 7,900 Shares Sole 7,900
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Biomet Inc. Common 09061310-0 29 800 Shares Shared 800
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Bristol-Myers Squibb Co. Common 11012210-8 2,612 45,050 Shares Sole 45,050
- ---------------------------------------------------------------------------------------------------------------------------------
Bristol-Myers Squibb Co. Common 11012210-8 162 2,800 Shares Shared 2,800
- ---------------------------------------------------------------------------------------------------------------------------------
CIGNA Corp. Common 12550910-9 809 10,680 Shares Sole 10,080 600
- ---------------------------------------------------------------------------------------------------------------------------------
CIGNA Corp. Common 12550910-9 36 485 Shares Shared 485
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CNF Transportation Common 12612W10-4 685 24,700 Shares Sole 22,700 2,000
- ---------------------------------------------------------------------------------------------------------------------------------
Carolina Pwr & Lt Co. Common 14414110-8 280 8,650 Shares Sole 8,650
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Centex Corp. Common 15231210-4 445 18,700 Shares Sole 18,700
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<PAGE>
Chemical Financial Corp. Common 16373110-2 27,312 1,248,541 Shares Sole 998,311 250,230
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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 1,585 72,459 Shares Shared 71,713 746
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Chevron Corp. Common 16675110-7 420 4,549 Shares Sole 3,349 1,200
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Chevron Corp. Common 16675110-7 34 368 Shares Shared 368
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Choiceone Financial Services Common 17038510-6 594 22,869 Shares Sole 22,869
- ---------------------------------------------------------------------------------------------------------------------------------
Cisco Systems Inc. Common 17275R10-2 664 8,600 Shares Sole 8,600
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Cisco Systems Inc. Common 17275R10-2 463 6,000 Shares Shared 6,000
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Citigroup Inc. Common 17296710-1 678 11,337 Shares Sole 11,337
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Citizens Bkg Corp. Mich Common 17442010-9 2,323 119,138 Shares Sole 94,709 24,429
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Citizens Bkg Corp. Mich Common 17442010-9 22 1,173 Shares Shared 603 570
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Coca Cola Co. Common 19121610-0 528 11,250 Shares Sole 8,850 2,400
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Comerica Inc. Common 20034010-7 1,442 34,439 Shares Sole 33,015 1,424
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Comerica Inc. Common 20034010-7 46 1,100 Shares Shared 300 800
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Commercial Nat'l Finl Corp. Common 20221610-7 467 36,319 Shares Sole 36,319
- ---------------------------------------------------------------------------------------------------------------------------------
Compaq Computer Corp. Common 20449310-0 2,130 79,629 Shares Sole 79,629
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Compaq Computer Corp. Common 20449310-0 128 4,800 Shares Shared 3,300 1,500
- ---------------------------------------------------------------------------------------------------------------------------------
Computer Sciences Corp. Common 20536310-4 2,017 25,500 Shares Sole 24,500 1,000
- ---------------------------------------------------------------------------------------------------------------------------------
Conagra Inc. Common 20588710-2 364 20,125 Shares Sole 18,125 2,000
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Conagra Inc. Common 20588710-2 10 590 Shares Shared 590
- ---------------------------------------------------------------------------------------------------------------------------------
Corning Inc. Common 21935010-5 1,671 8,615 Shares Sole 8,615
- ---------------------------------------------------------------------------------------------------------------------------------
Dean Foods Co. Common 24236110-3 837 31,300 Shares Sole 31,300
- ---------------------------------------------------------------------------------------------------------------------------------
<PAGE>
Dell Computer Corp. Common 24702510-9 203 3,780 Shares Sole 3,780
- ---------------------------------------------------------------------------------------------------------------------------------
Dover Corp. Common 26000310-8 1,501 31,369 Shares Sole 31,369
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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>
Dover Corp. Common 26000310-8 19 400 Shares Shared 400
- ---------------------------------------------------------------------------------------------------------------------------------
Dow Chemical Co. Common 26054310-3 125,352 1,099,579 Shares Sole 879,584 219,995
- ---------------------------------------------------------------------------------------------------------------------------------
Dow Chemical Co. Common 26054310-3 19,778 173,492 Shares Shared 114,795 58,697
- ---------------------------------------------------------------------------------------------------------------------------------
DuPont El De Nemours & Co. Common 26353410-9 256 4,836 Shares Sole 4,668 168
- ---------------------------------------------------------------------------------------------------------------------------------
DuPont El De Nemours & Co. Common 26353410-9 63 1,200 Shares Shared 1,200
- ---------------------------------------------------------------------------------------------------------------------------------
Electro Scientific Inds. Common 28522910-0 706 12,186 Shares Sole 12,186
- ---------------------------------------------------------------------------------------------------------------------------------
Electronic Data Systems Corp. Common 28566110-4 588 9,172 Shares Sole 9,172
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Electronic Data Systems Corp. Common 28566110-4 12 200 Shares Shared 200
- ---------------------------------------------------------------------------------------------------------------------------------
Emerson Elec Co. Common 29101110-4 872 16,430 Shares Sole 14,730 1,700
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Emerson Elec Co. Common 29101110-4 21 400 Shares Shared 400
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Equifax Inc. Common 29442910-5 268 10,650 Shares Sole 10,650
- ---------------------------------------------------------------------------------------------------------------------------------
Equifax Inc. Common 29442910-5 20 800 Shares Shared 800
- ---------------------------------------------------------------------------------------------------------------------------------
Exxon Mobil Corp. Common 30231G10-2 11,768 150,996 Shares Sole 142,404 8,592
- ---------------------------------------------------------------------------------------------------------------------------------
Exxon Mobil Corp. Common 30231G10-2 599 7,694 Shares Shared 7,094 600
- ---------------------------------------------------------------------------------------------------------------------------------
FPL Group Inc. Common 30257110-4 196 4,257 Shares Sole 4,275
- ---------------------------------------------------------------------------------------------------------------------------------
FPL Group Inc. Common 30257110-4 18 400 Shares Shared 400
- ---------------------------------------------------------------------------------------------------------------------------------
Federal Natl Mtg Assn. Common 31358610-9 1,884 33,325 Shares Sole 31,125 2,200
- ---------------------------------------------------------------------------------------------------------------------------------
Firstbank Corp. Mich. Common 33761G10-4 782 39,385 Shares Sole 39,385
- ---------------------------------------------------------------------------------------------------------------------------------
Ford Mtr. Co. Common 34537010-0 1,692 36,840 Shares Sole 36,680 160
- ---------------------------------------------------------------------------------------------------------------------------------
Ford Mtr. Co. Common 34537010-0 191 4,170 Shares Shared 3,370 800
- ---------------------------------------------------------------------------------------------------------------------------------
<PAGE>
GPU Inc. Common 36225X10-0 730 26,695 Shares Sole 26,695
- ---------------------------------------------------------------------------------------------------------------------------------
GPU Inc. Common 36225X10-0 37 1,385 Shares Shared 685 700
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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>
GTE Corp. Common 36232010-3 1,478 20,822 Shares Sole 20,822
- ---------------------------------------------------------------------------------------------------------------------------------
GTE Corp. Common 36232010-3 56 802 Shares Shared 402 400
- ---------------------------------------------------------------------------------------------------------------------------------
Gannett, Inc. Common 36473010-1 260 3,705 Shares Sole 3,705
- ---------------------------------------------------------------------------------------------------------------------------------
General Elec Co. Common 36960410-3 11,988 77,035 Shares Sole 75,335 1,700
- ---------------------------------------------------------------------------------------------------------------------------------
General Elec Co. Common 36960410-3 747 4,800 Shares Shared 4,800
- ---------------------------------------------------------------------------------------------------------------------------------
General Mtrs Corp. Common 37044210-5 1,145 13,838 Shares Sole 13,738 100
- ---------------------------------------------------------------------------------------------------------------------------------
General Mtrs Corp. Common 37044210-5 193 2,340 Shares Shared 2,340
- ---------------------------------------------------------------------------------------------------------------------------------
Gillette Co. Common 37576610-2 513 13,619 Shares Sole 11,200 2,419
- ---------------------------------------------------------------------------------------------------------------------------------
Halliburton Co. Common 40621610-1 664 16,160 Shares Sole 16,160
- ---------------------------------------------------------------------------------------------------------------------------------
Hasbro Inc. Common 41805610-7 287 17,250 Shares Sole 17,250
- ---------------------------------------------------------------------------------------------------------------------------------
Heinz H J Co. Common 42307410-3 585 16,789 Shares Sole 16,789
- ---------------------------------------------------------------------------------------------------------------------------------
Heinz H J Co. Common 42307410-3 102 2,950 Shares Shared 2,050 900
- ---------------------------------------------------------------------------------------------------------------------------------
Hewlett Packard Co. Common 42823610-3 4,466 33,696 Shares Sole 32,496 1,200
- ---------------------------------------------------------------------------------------------------------------------------------
Hewlett Packard Co. Common 42823610-3 304 2,300 Shares Shared 1,900 400
- ---------------------------------------------------------------------------------------------------------------------------------
Home Depot, Inc. Common 43707610-2 657 10,189 Shares Sole 10,189
- ---------------------------------------------------------------------------------------------------------------------------------
Home Depot, Inc. Common 43707610-2 290 4,500 Shares Shared 4,500
- ---------------------------------------------------------------------------------------------------------------------------------
Honeywell Intl Inc. Common 43851610-6 1,033 19,624 Shares Sole 19,624
- ---------------------------------------------------------------------------------------------------------------------------------
Honeywell Intl Inc. Common 43851610-6 26 500 Shares Shared 500
- ---------------------------------------------------------------------------------------------------------------------------------
Intel Corp. Common 45814010-0 5,336 40,447 Shares Sole 39,047 1,400
- ---------------------------------------------------------------------------------------------------------------------------------
Intel Corp. Common 45814010-0 290 2,200 Shares Shared 2,200
- ---------------------------------------------------------------------------------------------------------------------------------
<PAGE>
IBM Corp. Common 45920010-1 3,567 30,327 Shares Sole 30,237
- ---------------------------------------------------------------------------------------------------------------------------------
IBM Corp. Common 45920010-1 644 5,466 Shares Shared 4,866 600
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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>
Johnson & Johnson Common 47816010-4 2,309 32,877 Shares Sole 31,350 1,527
- ---------------------------------------------------------------------------------------------------------------------------------
Johnson & Johnson Common 47816010-4 179 2,550 Shares Shared 2,550
- ---------------------------------------------------------------------------------------------------------------------------------
Johnson Ctls Inc. Common 47836610-7 189 3,500 Shares Sole 2,000 1,500
- ---------------------------------------------------------------------------------------------------------------------------------
Johnson Ctls Inc. Common 47836610-7 27 500 Shares Shared 500
- ---------------------------------------------------------------------------------------------------------------------------------
Kansas City Pwr & Lt Co. Common 48513410-0 220 7,600 Shares Sole 7,600
- ---------------------------------------------------------------------------------------------------------------------------------
Kellogg Co. Common 48783610-8 331 12,874 Shares Sole 12,674 200
- ---------------------------------------------------------------------------------------------------------------------------------
Keycorp Common 49326710-8 266 14,000 Shares Sole 14,000
- ---------------------------------------------------------------------------------------------------------------------------------
Lilly Eli & Co. Common 53245710-8 745 11,900 Shares Sole 11,900
- ---------------------------------------------------------------------------------------------------------------------------------
Lilly Eli & Co. Common 53245710-8 50 800 Shares Shared 800
- ---------------------------------------------------------------------------------------------------------------------------------
Litton Industries Inc. Common 53802110-6 1,025 23,200 Shares Sole 23,200
- ---------------------------------------------------------------------------------------------------------------------------------
Lockheed Martin Corp. Common 53983010-9 290 14,225 Shares Sole 13,600 625
- ---------------------------------------------------------------------------------------------------------------------------------
Lowes Cos Inc. Common 54866110-7 1,071 18,350 Shares Sole 18,350
- ---------------------------------------------------------------------------------------------------------------------------------
Lucent Technologies Inc. Common 54946310-7 3,006 48,492 Shares Sole 48,492
- ---------------------------------------------------------------------------------------------------------------------------------
Lucent Technologies Inc. Common 54946310-7 44 716 Shares Shared 716
- ---------------------------------------------------------------------------------------------------------------------------------
Merck & Co. Inc. Common 58933110-7 4,281 68,920 Shares Sole 68,120 800
- ---------------------------------------------------------------------------------------------------------------------------------
Merck & Co. Inc. Common 58933110-7 130 2,100 Shares Shared 1,300 800
- ---------------------------------------------------------------------------------------------------------------------------------
Microsoft Corporation Common 59491810-4 2,535 23,859 Shares Sole 22,859 1,000
- ---------------------------------------------------------------------------------------------------------------------------------
Microsoft Corporation Common 59491810-4 106 1,000 Shares Shared 1,000
- ---------------------------------------------------------------------------------------------------------------------------------
Minnesota Mng & Mfg Co. Common 60405910-5 516 5,828 Shares Sole 5,828
- ---------------------------------------------------------------------------------------------------------------------------------
Minnesota Mng & Mfg Co. Common 60405910-5 1,027 11,600 Shares Shared 11,600
- ---------------------------------------------------------------------------------------------------------------------------------
<PAGE>
Morgan Stanley Dean Witter &
Co. Common 61744644-8 3,839 46,328 Shares Sole 46,002 326
- ---------------------------------------------------------------------------------------------------------------------------------
Morgan Stanley Dean Witter &
Co. Common 61744644-8 144 1,740 Shares Shared 340 1,400
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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>
Motorola Inc. Common 62007610-9 1,489 10,200 Shares Sole 10,200
- ---------------------------------------------------------------------------------------------------------------------------------
National City Corp. Common 63540510-3 839 40,700 Shares Sole 40,700
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National City Corp. Common 63540510-3 123 6,000 Shares Shared 6,000
- ---------------------------------------------------------------------------------------------------------------------------------
NICOR Inc. Common 65408610-7 202 6,150 Shares Sole 6,150
- ---------------------------------------------------------------------------------------------------------------------------------
NICOR Inc. Common 65408610-7 72 2,200 Shares Shared 2,200
- ---------------------------------------------------------------------------------------------------------------------------------
Northern Sts Pwr Co Minn Common 66577210-9 298 15,000 Shares Sole 15,000
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Old Kent Financial Corp. Common 67983310-3 328 10,275 Shares Sole 9,237 1,038
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Old Kent Financial Corp. Common 67983310-3 86 2,716 Shares Shared 1,456 1,260
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Pepsico Inc. Common 71344810-8 838 24,050 Shares Sole 21,650 2,400
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Pepsico Inc. Common 71344810-8 52 1,500 Shares Shared 1,500
- ---------------------------------------------------------------------------------------------------------------------------------
Pharmacia & Upjohn Inc. Common 71694110-9 358 6,017 Shares Sole 5,365 652
- ---------------------------------------------------------------------------------------------------------------------------------
Pharmacia & Upjohn Inc. Common 71694110-9 196 3,300 Shares Shared 3,300
- ---------------------------------------------------------------------------------------------------------------------------------
Pfizer Inc. Common 71708110-3 2,538 69,441 Shares Sole 67,341 2,100
- ---------------------------------------------------------------------------------------------------------------------------------
Procter & Gamble Co. Common 74271810-9 1,661 29,400 Shares Sole 28,200 1,200
- ---------------------------------------------------------------------------------------------------------------------------------
Procter & Gamble Co. Common 74271810-9 38 684 Shares Shared 684
- ---------------------------------------------------------------------------------------------------------------------------------
Quaker Oats Co. Common 74740210-5 897 14,800 Shares Sole 14,800
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Quaker Oats Co. Common 74740210-5 24 400 Shares Shared 400
- ---------------------------------------------------------------------------------------------------------------------------------
Reynolds & Reynolds Co. C1 A Common 76169510-5 1,088 40,300 Shares Sole 37,600 2,700
- ---------------------------------------------------------------------------------------------------------------------------------
Ross Stores Inc. Common 77829610-3 2,047 85,100 Shares Sole 85,100
- ---------------------------------------------------------------------------------------------------------------------------------
Ross Stores Inc. Common 77829610-3 14 600 Shares Shared 600
- ---------------------------------------------------------------------------------------------------------------------------------
<PAGE>
SBC Communications Inc. Common 78387G10-3 4,009 95,187 Shares Sole 92,582 2,605
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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>
SBC Communications Inc. Common 78387G10-3 559 13,274 Shares Shared 13,274
- ---------------------------------------------------------------------------------------------------------------------------------
Sara Lee Corporation Common 80311110-3 924 51,380 Shares Sole 51,380
- ---------------------------------------------------------------------------------------------------------------------------------
Sara Lee Corporation Common 80311110-3 6 349 Shares Shared 349
- ---------------------------------------------------------------------------------------------------------------------------------
Schering Plough Corp. Common 80660510-1 6,549 176,420 Shares Sole 174,020 2,400
- ---------------------------------------------------------------------------------------------------------------------------------
Schering Plough Corp. Common 80660510-1 14 400 Shares Shared 400
- ---------------------------------------------------------------------------------------------------------------------------------
Schlumberger Ltd. Common 80685710-8 184 2,410 Shares Sole 2,410
- ---------------------------------------------------------------------------------------------------------------------------------
Schlumberger Ltd. Common 80685710-8 45 600 Shares Shared 600
- ---------------------------------------------------------------------------------------------------------------------------------
Stryker Corp. Common 86366710-1 767 11,000 Shares Sole 11,000
- ---------------------------------------------------------------------------------------------------------------------------------
Stryker Corp. Common 86366710-1 90 1,300 Shares Shared 1,300
- ---------------------------------------------------------------------------------------------------------------------------------
Sunlife Financial Services Common 86679610-5 90 8,407 Shares Sole 8,407
- ---------------------------------------------------------------------------------------------------------------------------------
Sunlife Financial Services Common 86679610-5 19 1,797 Shares Shared 1,797
- ---------------------------------------------------------------------------------------------------------------------------------
Sun Microsystems Inc. Common 86681010-4 534 5,700 Shares Sole 5,700
- ---------------------------------------------------------------------------------------------------------------------------------
Target Corp. Common 87612E10-6 2,898 38,770 Shares Sole 38,045 725
- ---------------------------------------------------------------------------------------------------------------------------------
Target Corp. Common 87612E10-6 209 2,800 Shares Shared 1,600 1,200
- ---------------------------------------------------------------------------------------------------------------------------------
Texaco Inc. Common 88169410-3 1,417 26,370 Shares Sole 21,190 5,180
- ---------------------------------------------------------------------------------------------------------------------------------
Texaco Inc. Common 88169410-3 26 500 Shares Shared 500
- ---------------------------------------------------------------------------------------------------------------------------------
Three Com Corp. Common 88553510-4 1,585 28,500 Shares Sole 28,500
- ---------------------------------------------------------------------------------------------------------------------------------
USX-Marathon Group Common 90290582-7 1,383 53,100 Shares Sole 53,100
- ---------------------------------------------------------------------------------------------------------------------------------
U.S. West Inc. Common 91273H10-1 962 13,253 Shares Sole 13,253
- ---------------------------------------------------------------------------------------------------------------------------------
U.S. West Inc. Common 91273H10-1 15 212 Shares Shared 212
- ---------------------------------------------------------------------------------------------------------------------------------
<PAGE>
United Technologies Corp. Common 91301710-9 376 5,960 Shares Sole 5,960
- ---------------------------------------------------------------------------------------------------------------------------------
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 91820410-8 885 36,800 Shares Sole 36,800
- ---------------------------------------------------------------------------------------------------------------------------------
VF Corp. Common 91820410-8 12 500 Shares Shared 500
- ---------------------------------------------------------------------------------------------------------------------------------
Viad Corp. Common 92552R10-9 1,459 63,800 Shares Sole 63,800
- ---------------------------------------------------------------------------------------------------------------------------------
Viad Corp. Common 92552R10-9 68 3,000 Shares Shared 3,000
- ---------------------------------------------------------------------------------------------------------------------------------
Wal Mart Stores Inc. Common 93114210-3 1,932 34,200 Shares Sole 32,900 1,300
- ---------------------------------------------------------------------------------------------------------------------------------
Walgreen Co. Common 93142210-9 1,040 40,400 Shares Sole 35,200 5,200
- ---------------------------------------------------------------------------------------------------------------------------------
Walgreen Co. Common 93142210-9 61 2,400 Shares Shared 2,400
- ---------------------------------------------------------------------------------------------------------------------------------
Warner Lambert Co. Common 93448810-7 3,905 39,980 Shares Sole 9,164 30,816
- ---------------------------------------------------------------------------------------------------------------------------------
Wells Fargo and Company NEW Common 94974610-1 1,967 48,284 Shares Sole 45,784 2,500
- ---------------------------------------------------------------------------------------------------------------------------------
Wells Fargo and Company NEW Common 94974610-1 65 1,600 Shares Shared 1,600
- ---------------------------------------------------------------------------------------------------------------------------------
Weyerhaeuser Co. Common 96216610-4 1,564 27,450 Shares Sole 26,550 900
- ---------------------------------------------------------------------------------------------------------------------------------
Xerox Corp. Common 98412110-3 779 29,980 Shares Sole 28,180 1,800
- ---------------------------------------------------------------------------------------------------------------------------------
Xerox Corp. Common 98412110-3 27 1,050 Shares Shared 200 850
- ---------------------------------------------------------------------------------------------------------------------------------
- ---------------------------------------------------------------------------------------------------------------------------------
- ---------------------------------------------------------------------------------------------------------------------------------
- ---------------------------------------------------------------------------------------------------------------------------------
GRAND TOTALS 355,297 6,229,021 5,538,688 690,333
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Page 9 of 9
</TABLE>
