<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: December 31, 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 December 31, 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: 168
------------
Form 13F Information Table Value Total: $389,583
------------
(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 4,651 91,538 Shares Sole 89,663 1,875
- ---------------------------------------------------------------------------------------------------------------------------------
AT & T Corp. Common 00195710-9 165 3,261 Shares Shared 1,911 1,350
- ---------------------------------------------------------------------------------------------------------------------------------
Abbott Labs Common 00282410-0 1,481 40,785 Shares Sole 38,385 2,400
- ---------------------------------------------------------------------------------------------------------------------------------
Abbott Labs Common 00282410-0 232 6,400 Shares Shared 6,400
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Air Products & Chemicals, Inc. Common 00915810-6 302 9,000 Shares Sole 9,000
- ---------------------------------------------------------------------------------------------------------------------------------
Allied Signal Inc. Common 01951210-2 Shares Sole
- ---------------------------------------------------------------------------------------------------------------------------------
Allied Signal Inc. Common 01951210-2 Shares Shared
- ---------------------------------------------------------------------------------------------------------------------------------
Allstate Corp. Common 02000210-1 1,157 48,084 Shares Sole 48,084
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Allstate Corp. Common 02000210-1 145 6,038 Shares Shared 5,438 600
- ---------------------------------------------------------------------------------------------------------------------------------
American Express Co. Common 02581610-9 330 1,986 Shares Sole 1,986
- ---------------------------------------------------------------------------------------------------------------------------------
American Home Prods Corp. Common 02660910-7 3,001 76,460 Shares Sole 74,760 1,700
- ---------------------------------------------------------------------------------------------------------------------------------
American Home Prods Corp. Common 02660910-7 174 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 1,004 10,800 Shares Sole 10,800
- ---------------------------------------------------------------------------------------------------------------------------------
Assoc 1st Cap Corp C1 A Common 04600810-8 329 12,006 Shares Sole 12,006
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Assoc 1st Cap Corp C1 A Common 04600810-8 22 836 Shares Shared 418 418
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Atlantic Richfield Co. Common 04882510-3 274 3,176 Shares Sole 2,876 300
- ---------------------------------------------------------------------------------------------------------------------------------
Automatic Data Processing Inc. Common 05301510-3 2,041 37,900 Shares Sole 34,500 3,400
- ---------------------------------------------------------------------------------------------------------------------------------
BP Amoco Adr Plc Common 05562210-4 364 6,140 Shares Sole 5,556 584
- ---------------------------------------------------------------------------------------------------------------------------------
<PAGE>
BP Amoco Adr Plc Common 05562210-4 141 2,384 Shares Shared 1,728 656
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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 06405710-2 455 11,376 Shares Sole 11,376
- ---------------------------------------------------------------------------------------------------------------------------------
Bank One Corp. Common 06423A10-3 5,526 172,715 Shares Sole 172,391 324
- ---------------------------------------------------------------------------------------------------------------------------------
Bank One Corp. Common 06423A10-3 100 3,144 Shares Shared 2,144 1,000
- ---------------------------------------------------------------------------------------------------------------------------------
Bell Atlantic Corp. Common 07785310-9 3,333 54,148 Shares Sole 51,800 2,348
- ---------------------------------------------------------------------------------------------------------------------------------
Bell Atlantic Corp. Common 07785310-9 203 3,302 Shares Shared 2,382 920
- ---------------------------------------------------------------------------------------------------------------------------------
BellSouth Corp. Common 07986010-2 2,227 47,590 Shares Sole 47,590
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BellSouth Corp. Common 07986010-2 144 3,092 Shares Shared 3,092
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Bergen Brunswig Corp. Common 08373910-2 544 65,510 Shares Sole 65,510
- ---------------------------------------------------------------------------------------------------------------------------------
Bergen Brunswig Corp. Common 08373910-2 5 675 Shares Shared 675
- ---------------------------------------------------------------------------------------------------------------------------------
Bestfoods Inc. Common 08658U10-1 956 18,206 Shares Sole 17,806 400
- ---------------------------------------------------------------------------------------------------------------------------------
Biomet Inc. Common 09061310-0 1,276 31,900 Shares Sole 31,900
- ---------------------------------------------------------------------------------------------------------------------------------
Biomet Inc. Common 09061310-0 32 800 Shares Shared 800
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Boeing Inc. Common 09702310-5 Shares Sole
- ---------------------------------------------------------------------------------------------------------------------------------
Boeing Inc. Common 09702310-5 Shares Shared
- ---------------------------------------------------------------------------------------------------------------------------------
Bristol-Myers Squibb Co. Common 11012210-8 2,805 43,700 Shares Sole 43,700
- ---------------------------------------------------------------------------------------------------------------------------------
Bristol-Myers Squibb Co. Common 11012210-8 179 2,800 Shares Shared 2,800
- ---------------------------------------------------------------------------------------------------------------------------------
CIGNA Corp. Common 12550910-9 860 10,680 Shares Sole 10,080 600
- ---------------------------------------------------------------------------------------------------------------------------------
CIGNA Corp. Common 12550910-9 39 485 Shares Shared 485
- ---------------------------------------------------------------------------------------------------------------------------------
Carolina Pwr & Lt Co. Common 14414110-8 305 10,050 Shares Sole 10,050
- ---------------------------------------------------------------------------------------------------------------------------------
Centex Corp. Common 15231210-4 474 19,200 Shares Sole 19,200
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<PAGE>
Chemical Financial Corp. Common 16373110-2 37,308 1,203,477 Shares Sole 965,160 238,317
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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 1,586 51,166 Shares Shared 50,455 711
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Chevron Corp. Common 16675110-7 307 3,549 Shares Sole 3,349 200
- ---------------------------------------------------------------------------------------------------------------------------------
Chevron Corp. Common 16675110-7 31 368 Shares Shared 368
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Choiceone Financial Services Common 17038510-6 617 22,869 Shares Sole 22,869
- ---------------------------------------------------------------------------------------------------------------------------------
Cisco Systems Inc. Common 17275R10-2 107 1,000 Shares Sole 1,000
- ---------------------------------------------------------------------------------------------------------------------------------
Cisco Systems Inc. Common 17275R10-2 321 3,000 Shares Shared 3,000
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Citigroup Inc. Common 17296710-1 461 8,287 Shares Sole 8,287
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Citizens Bkg Corp. Mich Common 17442010-9 2,665 119,138 Shares Sole 94,709 24,429
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Citizens Bkg Corp. Mich Common 17442010-9 26 1,173 Shares Shared 603 570
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Coca Cola Co. Common 19121610-0 655 11,250 Shares Sole 8,850 2,400
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Comerica Inc. Common 20034010-7 1,632 34,957 Shares Sole 33,535 1,422
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Comerica Inc. Common 20034010-7 51 1,100 Shares Shared 300 800
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Commercial Nat'l Finl Corp. Common 20221610-7 453 36,319 Shares Sole 36,319
- ---------------------------------------------------------------------------------------------------------------------------------
Compaq Computer Corp. Common 20449310-0 2,168 80,129 Shares Sole 80,129
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Compaq Computer Corp. Common 20449310-0 102 3,800 Shares Shared 2,300 1,500
- ---------------------------------------------------------------------------------------------------------------------------------
Conagra Inc. Common 20588710-2 511 22,525 Shares Sole 20,525 2,000
- ---------------------------------------------------------------------------------------------------------------------------------
Conagra Inc. Common 20588710-2 13 590 Shares Shared 590
- ---------------------------------------------------------------------------------------------------------------------------------
Corning Inc. Common 21935010-5 1,115 8,654 Shares Sole 8,654
- ---------------------------------------------------------------------------------------------------------------------------------
Dana Corp. Common 23581110-6 Shares Sole
- ---------------------------------------------------------------------------------------------------------------------------------
Dana Corp. Common 23581110-6 Shares Shared
- ---------------------------------------------------------------------------------------------------------------------------------
<PAGE>
Dayton Hudson Corp. Common 23975310-6 2,861 38,970 Shares Sole 38,245 725
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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 23975310-6 205 2,800 Shares Shared 1,600 1,200
- ---------------------------------------------------------------------------------------------------------------------------------
Dean Foods Co. Common 24236110-3 1,272 32,000 Shares Sole 32,000
- ---------------------------------------------------------------------------------------------------------------------------------
Delphi Automotive Sys. Common 24712610-5 163 10,373 Shares Sole 10,304 69
- ---------------------------------------------------------------------------------------------------------------------------------
Delphi Automotive Sys. Common 24712610-5 5 347 Shares Shared 347
- ---------------------------------------------------------------------------------------------------------------------------------
Dover Corp. Common 26000310-8 1,450 31,969 Shares Sole 31,969
- ---------------------------------------------------------------------------------------------------------------------------------
Dover Corp. Common 26000310-8 18 400 Shares Shared 400
- ---------------------------------------------------------------------------------------------------------------------------------
Dow Chemical Co. Common 26054310-3 151,048 1,130,390 Shares Sole 1,007,512 122,878
- ---------------------------------------------------------------------------------------------------------------------------------
Dow Chemical Co. Common 26054310-3 21,024 157,342 Shares Shared 98,645 58,697
- ---------------------------------------------------------------------------------------------------------------------------------
DuPont El De Nemours & Co. Common 26353410-9 318 4,836 Shares Sole 4,668 168
- ---------------------------------------------------------------------------------------------------------------------------------
DuPont El De Nemours & Co. Common 26353410-9 79 1,200 Shares Shared 1,200
- ---------------------------------------------------------------------------------------------------------------------------------
Electronic Data Systems Corp. Common 28566110-4 613 9,172 Shares Sole 9,172
- ---------------------------------------------------------------------------------------------------------------------------------
Electronic Data Systems Corp. Common 28566110-4 13 200 Shares Shared 200
- ---------------------------------------------------------------------------------------------------------------------------------
Emerson Elec Co. Common 29101110-4 942 16,430 Shares Sole 14,730 1,700
- ---------------------------------------------------------------------------------------------------------------------------------
Emerson Elec Co. Common 29101110-4 22 400 Shares Shared 400
- ---------------------------------------------------------------------------------------------------------------------------------
Equifax Inc. Common 29442910-5 250 10,650 Shares Sole 10,650
- ---------------------------------------------------------------------------------------------------------------------------------
Equifax Inc. Common 29442910-5 18 800 Shares Shared 800
- ---------------------------------------------------------------------------------------------------------------------------------
Exxon Mobil Corp. Common 30231G10-2 13,525 167,883 Shares Sole 159,791 8,092
- ---------------------------------------------------------------------------------------------------------------------------------
Exxon Mobil Corp. Common 30231G10-2 222 2,763 Shares Shared 2,163 600
- ---------------------------------------------------------------------------------------------------------------------------------
Federal Natl Mtg Assn. Common 31358610-9 2,136 34,225 Shares Sole 32,025 2,200
- ---------------------------------------------------------------------------------------------------------------------------------
Firstbank Corp. Mich. Common 33761G10-4 722 37,510 Shares Sole 37,510
- ---------------------------------------------------------------------------------------------------------------------------------
<PAGE>
Ford Mtr. Co. Common 34537010-0 2,070 38,840 Shares Sole 38,680 160
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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>
Ford Mtr. Co. Common 34537010-0 115 2,170 Shares Shared 1,370 800
- ---------------------------------------------------------------------------------------------------------------------------------
GPU Inc. Common 36225X10-0 794 26,695 Shares Sole 26,695
- ---------------------------------------------------------------------------------------------------------------------------------
GPU Inc. Common 36225X10-0 41 1,385 Shares Shared 685 700
- ---------------------------------------------------------------------------------------------------------------------------------
GTE Corp. Common 36232010-3 1,485 21,046 Shares Sole 21,046
- ---------------------------------------------------------------------------------------------------------------------------------
GTE Corp. Common 36232010-3 56 802 Shares Shared 402 400
- ---------------------------------------------------------------------------------------------------------------------------------
Gannett, Inc. Common 36473010-1 302 3,705 Shares Sole 3,705
- ---------------------------------------------------------------------------------------------------------------------------------
General Elec Co. Common 36960410-3 12,625 81,585 Shares Sole 79,585 2,000
- ---------------------------------------------------------------------------------------------------------------------------------
General Elec Co. Common 36960410-3 123 800 Shares Shared 800
- ---------------------------------------------------------------------------------------------------------------------------------
General Mtrs Corp. Common 37044210-5 1,056 14,538 Shares Sole 14,438 100
- ---------------------------------------------------------------------------------------------------------------------------------
General Mtrs Corp. Common 37044210-5 36 500 Shares Shared 500
- ---------------------------------------------------------------------------------------------------------------------------------
Gillette Co. Common 37576610-2 560 13,618 Shares Sole 11,200 2,418
- ---------------------------------------------------------------------------------------------------------------------------------
Halliburton Co. Common 40621610-1 650 16,160 Shares Sole 16,160
- ---------------------------------------------------------------------------------------------------------------------------------
Hasbro Inc. Common 41805610-7 326 17,250 Shares Sole 17,250
- ---------------------------------------------------------------------------------------------------------------------------------
Heinz H J Co. Common 42307410-3 728 18,289 Shares Sole 18,289
- ---------------------------------------------------------------------------------------------------------------------------------
Heinz H J Co. Common 42307410-3 57 1,450 Shares Shared 550 900
- ---------------------------------------------------------------------------------------------------------------------------------
Hewlett Packard Co. Common 42823610-3 4,223 37,128 Shares Sole 35,928 1,200
- ---------------------------------------------------------------------------------------------------------------------------------
Hewlett Packard Co. Common 42823610-3 261 2,300 Shares Shared 1,900 400
- ---------------------------------------------------------------------------------------------------------------------------------
Honeywell Intl Inc. Common 43851610-6 1,155 20,024 Shares Sole 20,024
- ---------------------------------------------------------------------------------------------------------------------------------
Honeywell Intl Inc. Common 43851610-6 28 500 Shares Shared 500
- ---------------------------------------------------------------------------------------------------------------------------------
Intel Corp. Common 45814010-0 4,286 52,072 Shares Sole 50,672 1,400
- ---------------------------------------------------------------------------------------------------------------------------------
<PAGE>
Intel Corp. Common 45814010-0 189 2,300 Shares Shared 2,300
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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 3,261 30,327 Shares Sole 30,237
- ---------------------------------------------------------------------------------------------------------------------------------
IBM Corp. Common 45920010-1 158 1,466 Shares Shared 866 600
- ---------------------------------------------------------------------------------------------------------------------------------
Johnson & Johnson Common 47816010-4 3,065 32,875 Shares Sole 31,350 1,525
- ---------------------------------------------------------------------------------------------------------------------------------
Johnson & Johnson Common 47816010-4 223 2,400 Shares Shared 2,400
- ---------------------------------------------------------------------------------------------------------------------------------
Johnson Ctls Inc. Common 47836610-7 199 3,500 Shares Sole 2,000 1,500
- ---------------------------------------------------------------------------------------------------------------------------------
Johnson Ctls Inc. Common 47836610-7 28 500 Shares Shared 500
- ---------------------------------------------------------------------------------------------------------------------------------
Kellogg Co. Common 48783610-8 396 12,874 Shares Sole 12,674 200
- ---------------------------------------------------------------------------------------------------------------------------------
Keycorp Common 49326710-8 309 14,000 Shares Sole 14,000
- ---------------------------------------------------------------------------------------------------------------------------------
Lilly Eli & Co. Common 53245710-8 551 8,300 Shares Sole 8,300
- ---------------------------------------------------------------------------------------------------------------------------------
Lilly Eli & Co. Common 53245710-8 53 800 Shares Shared 800
- ---------------------------------------------------------------------------------------------------------------------------------
Litton Industries Inc. Common 53802110-6 1,167 23,400 Shares Sole 23,400
- ---------------------------------------------------------------------------------------------------------------------------------
Lockheed Martin Corp. Common 53983010-9 486 22,219 Shares Sole 21,594 625
- ---------------------------------------------------------------------------------------------------------------------------------
Lowes Cos Inc. Common 54866110-7 1,096 18,350 Shares Sole 18,350
- ---------------------------------------------------------------------------------------------------------------------------------
Lucent Technologies Inc. Common 54946310-7 3,183 42,442 Shares Sole 42,442
- ---------------------------------------------------------------------------------------------------------------------------------
Lucent Technologies Inc. Common 54946310-7 53 716 Shares Shared 716
- ---------------------------------------------------------------------------------------------------------------------------------
Merck & Co. Inc. Common 58933110-7 4,805 71,520 Shares Sole 70,720 800
- ---------------------------------------------------------------------------------------------------------------------------------
Merck & Co. Inc. Common 58933110-7 141 2,100 Shares Shared 1,300 800
- ---------------------------------------------------------------------------------------------------------------------------------
Microsoft Corporation Common 59491810-4 2,826 24,209 Shares Sole 21,409 2,800
- ---------------------------------------------------------------------------------------------------------------------------------
Microsoft Corporation Common 59491810-4 116 1,000 Shares Shared 1,000
- ---------------------------------------------------------------------------------------------------------------------------------
Minnesota Mng & Mfg Co. Common 60405910-5 570 5,828 Shares Sole 5,828
- ---------------------------------------------------------------------------------------------------------------------------------
<PAGE>
Mobil Corp. Common 60705910-2 198 1,900 Shares Sole 1,900
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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 22 220 Shares Shared 220
- ---------------------------------------------------------------------------------------------------------------------------------
Morgan Stanley Dean Witter &
Co. Common 61744644-8 4,412 30,914 Shares Sole 30,751 163
- ---------------------------------------------------------------------------------------------------------------------------------
Morgan Stanley Dean Witter &
Co. Common 61744644-8 124 870 Shares Shared 170 700
- ---------------------------------------------------------------------------------------------------------------------------------
Motorola Inc. Common 62007610-9 1,781 12,100 Shares Sole 12,100
- ---------------------------------------------------------------------------------------------------------------------------------
National City Corp. Common 63540510-3 964 40,700 Shares Sole 40,700
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National City Corp. Common 63540510-3 142 6,000 Shares Shared 6,000
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NICOR Inc. Common 65408610-7 264 8,150 Shares Sole 8,150
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NICOR Inc. Common 65408610-7 6 200 Shares Shared 200
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Nisource Inc. Common 65473P10-5 Shares Sole
- ---------------------------------------------------------------------------------------------------------------------------------
Norfolk Southn Corp. Common 65584410-8 Shares Sole
- ---------------------------------------------------------------------------------------------------------------------------------
Northern Sts Pwr Co Minn Common 66577210-9 292 15,000 Shares Sole 15,000
- ---------------------------------------------------------------------------------------------------------------------------------
Old Kent Financial Corp. Common 67983310-3 496 14,032 Shares Sole 13,000 1,032
- ---------------------------------------------------------------------------------------------------------------------------------
Old Kent Financial Corp. Common 67983310-3 96 2,716 Shares Shared 1,456 1,260
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Pepsico Inc. Common 71344810-8 900 25,550 Shares Sole 23,150 2,400
- ---------------------------------------------------------------------------------------------------------------------------------
Pharmacia & Upjohn Inc. Common 71694110-9 401 8,917 Shares Sole 8,265 652
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Pharmacia & Upjohn Inc. Common 71694110-9 18 400 Shares Shared 400
- ---------------------------------------------------------------------------------------------------------------------------------
Pfizer Inc. Common 71708110-3 2,354 72,571 Shares Sole 70,471 2,100
- ---------------------------------------------------------------------------------------------------------------------------------
Pfizer Inc. Common 71708110-3 Shares Shared
- ---------------------------------------------------------------------------------------------------------------------------------
Phillip Morris Cos Inc. Common 71815410-7 Shares Sole
- ---------------------------------------------------------------------------------------------------------------------------------
<PAGE>
Phillip Morris Cos Inc. Common 71815410-7 Shares Shared
- ---------------------------------------------------------------------------------------------------------------------------------
Procter & Gamble Co. Common 74271810-9 3,341 30,500 Shares Sole 29,300 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 74 684 Shares Shared 684
- ---------------------------------------------------------------------------------------------------------------------------------
Quaker Oats Co. Common 74740210-5 951 14,500 Shares Sole 14,500
- ---------------------------------------------------------------------------------------------------------------------------------
Quaker Oats Co. Common 74740210-5 26 400 Shares Shared 400
- ---------------------------------------------------------------------------------------------------------------------------------
Ross Stores Inc. Common 77829610-3 1,537 85,700 Shares Sole 85,700
- ---------------------------------------------------------------------------------------------------------------------------------
Ross Stores Inc. Common 77829610-3 10 600 Shares Shared 600
- ---------------------------------------------------------------------------------------------------------------------------------
SBC Communications Inc. Common 78387G10-3 5,283 108,372 Shares Sole 104,177 4,195
- ---------------------------------------------------------------------------------------------------------------------------------
SBC Communications Inc. Common 78387G10-3 198 4,062 Shares Shared 4,062
- ---------------------------------------------------------------------------------------------------------------------------------
Sara Lee Corporation Common 80311110-3 1,133 51,380 Shares Sole 51,380
- ---------------------------------------------------------------------------------------------------------------------------------
Sara Lee Corporation Common 80311110-3 7 349 Shares Shared 349
- ---------------------------------------------------------------------------------------------------------------------------------
Schering Plough Corp. Common 80660510-1 7,285 171,920 Shares Sole 169,520 2,400
- ---------------------------------------------------------------------------------------------------------------------------------
Schering Plough Corp. Common 80660510-1 16 400 Shares Shared 400
- ---------------------------------------------------------------------------------------------------------------------------------
Stryker Corp. Common 86366710-1 765 11,000 Shares Sole 11,000
- ---------------------------------------------------------------------------------------------------------------------------------
Stryker Corp. Common 86366710-1 90 1,300 Shares Shared 1,300
- ---------------------------------------------------------------------------------------------------------------------------------
TRW Inc. Common 87264910-8 836 16,100 Shares Sole 15,000 1,100
- ---------------------------------------------------------------------------------------------------------------------------------
Texaco Inc. Common 88169410-3 1,310 24,120 Shares Sole 18,940 5,180
- ---------------------------------------------------------------------------------------------------------------------------------
Texaco Inc. Common 88169410-3 27 500 Shares Shared 500
- ---------------------------------------------------------------------------------------------------------------------------------
Three Com Corp. Common 88553510-4 1,739 37,000 Shares Sole 37,000
- ---------------------------------------------------------------------------------------------------------------------------------
USX-Marathon Group Common 90290582-7 1,320 53,500 Shares Sole 53,500
- ---------------------------------------------------------------------------------------------------------------------------------
U.S. West Inc. Common 91273H10-1 939 13,053 Shares Sole 13,053
- ---------------------------------------------------------------------------------------------------------------------------------
U.S. West Inc. Common 91273H10-1 15 212 Shares Shared 212
- ---------------------------------------------------------------------------------------------------------------------------------
<PAGE>
United Technologies Corp. Common 91301710-9 387 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 1,104 36,800 Shares Sole 36,800
- ---------------------------------------------------------------------------------------------------------------------------------
VF Corp. Common 91820410-8 15 500 Shares Shared 500
- ---------------------------------------------------------------------------------------------------------------------------------
Viad Corp. Common 92552R10-9 1,873 67,202 Shares Sole 67,200
- ---------------------------------------------------------------------------------------------------------------------------------
Wal Mart Stores Inc. Common 93114210-3 711 10,300 Shares Sole 10,300
- ---------------------------------------------------------------------------------------------------------------------------------
Wal Mart Stores Inc. Common 93114210-3 Shares Shared
- ---------------------------------------------------------------------------------------------------------------------------------
Walgreen Co. Common 93142210-9 1,096 37,500 Shares Sole 32,300 5,200
- ---------------------------------------------------------------------------------------------------------------------------------
Walgreen Co. Common 93142210-9 70 2,400 Shares Shared 2,400
- ---------------------------------------------------------------------------------------------------------------------------------
Warner Lambert Co. Common 93448810-7 3,292 40,180 Shares Sole 9,364 30,816
- ---------------------------------------------------------------------------------------------------------------------------------
Wells Fargo and Company NEW Common 94974610-1 1,952 48,284 Shares Sole 45,784 2,500
- ---------------------------------------------------------------------------------------------------------------------------------
Wells Fargo and Company NEW Common 94974610-1 64 1,600 Shares Shared 1,600
- ---------------------------------------------------------------------------------------------------------------------------------
Weyerhaeuser Co. Common 96216610-4 1,842 25,650 Shares Sole 24,750 900
- ---------------------------------------------------------------------------------------------------------------------------------
Willamette Industries Inc. Common 96913310-7 218 4,700 Shares Sole 4,700
- ---------------------------------------------------------------------------------------------------------------------------------
Wisconsin Energy Corp. Common 97665710-6 Shares Sole
- ---------------------------------------------------------------------------------------------------------------------------------
Xerox Corp. Common 98412110-3 1,401 61,780 Shares Sole 59,980 1,800
- ---------------------------------------------------------------------------------------------------------------------------------
Xerox Corp. Common 98412110-3 23 1,050 Shares Shared 200 850
- ---------------------------------------------------------------------------------------------------------------------------------
- ---------------------------------------------------------------------------------------------------------------------------------
- ---------------------------------------------------------------------------------------------------------------------------------
- ---------------------------------------------------------------------------------------------------------------------------------
GRAND TOTALS 389,583 6,066,307 5,487,654 578,653
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Page 9 of 9
</TABLE>
