TheUNITED CollectiveSTATES InvestmentSECURITIES TrustsAND FORMEXCHANGE 10-QCOMMISSION

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WashingtonWASHINGTON, D.C. 20549

FORM 10-Q

(MARK ONE)

/[ X /] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES AND EXCHANGE COMMISSION ACT OF 1934

For the quarterly period ended JanuaryApril 3130, 2001

OR

/[ / ]TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES AND EXCHANGE COMMISSION ACT OF 1934

For the transition period from ___________ to ~~________________~~ ___________

Commission Filefile number: 2-58109

THE COLLECTIVE INVESTMENT TRUST or of which UMB Bank, n.a. is Trustee (Exact Namename of the registrant as specified in its charter)

Not ~~applicable~~Applicable, Not Applicable ~~(State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.)~~

~~1010~~(State ~~Grand~~or ~~Avenue Kansas~~other ~~City,~~jurisdiction ~~Missouri 64106 (Address~~ of ~~principal~~incorporation ~~executive~~or ~~offices and zip code~~organization)

(~~816)~~I.R.S. ~~860-7000 (Registrant's~~Employer ~~telephone~~Identification ~~number, including area code~~No.)

~~Not~~1010 ~~Applicable (Former~~Grand ~~name~~Avenue, ~~former~~Kansas ~~address~~City, ~~and~~Missouri ~~former~~64106 (Address ~~fiscal~~of ~~year,~~principal ifexecutive ~~changed~~offices ~~since~~and ~~last~~Zip ~~report~~Code)

~~Indicate by check mark whether the registrant~~ (1816) ~~has filed all reports required to be filed by Section 13 or~~860-7000 ~~15(d)~~ ~~of the Securities Exchange Act of 1934 during the preceding 12 months~~ (~~or for~~Registrant's ~~such~~telephone ~~shorter period that the registrant was required to file such reports)~~number, ~~and~~ ~~(2)~~including ~~has~~area ~~been subject to such filing requirements for the past 90 days.~~code)

Not Applicable ~~Yes /X/ No / /~~ (Former name, former address and former fiscal year, if changed since last report)

~~The~~ ~~number~~Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of ~~units~~the Securities Exchange Act of 1934 during ~~participation~~the preceding ~~outstanding~~12 asmonths of(or ~~January~~for 31such shorter period that the registrant was required to file such reports), and (2) ~~2001~~has been subject to such filing requirements for the past 90 days. Yes X No ___

~~Pooled~~The ~~Equity~~number ~~Fund~~of -units ~~9,475,173 Pooled~~of ~~Debt~~participation ~~Fund~~outstanding -as ~~8,207,870 Pooled~~of ~~Income~~April ~~Fund - 3~~30,~~349,058~~ 2001.

~~PART~~Pooled IEquity Fund - 8,508,950 Pooled Debt Fund - ~~FINANCIAL~~6,881,615 ~~INFORMATION~~Pooled Income Fund - 3,119,504

~~Item~~PART ~~1. Financial~~I ~~Statements.~~-- FINANCIAL INFORMATION

~~INTRODUCTORY~~Item ~~COMMENTS~~1. Financial Statements.

~~The~~INTRODUCTORY Condensed Financial Statements included herein have been prepared by the Trustee, without audit, pursuant to the rules and regulations of the Securities and Exchange Commission. Certain information and footnote disclosures normally included in financial statements prepared in accordance with generally accepted accounting principles have been condensed or omitted pursuant to such rules and regulations, although the Trustee believes that the disclosures are adequate to enable a reasonable understanding of the information presented. The results of operations for the period are not necessarily indicative of the results to be expected for the full year. These Condensed Financial Statements should be read in conjunction with the financial statements and the notes thereto included in the Collective Investment Trusts' Annual Report on Form 10-K for the year ended October 31, 2000.COMMENTS

The Condensed Financial Statements included herein have been prepared by the InTrustee, without audit, pursuant to the ~~opinion~~rules and regulations of ~~management,~~ the ~~accompanying~~Securities and Exchange ~~unaudited~~Commission. ~~condensed financial~~Certain information and footnote disclosures normally included in financial statements prepared in accordance with generally accepted accounting ~~contain all adjustments necessary~~ principles have been condensed or omitted pursuant to such rules and regulations, ~~present fairly~~although the ~~Funds'~~Trustee believes that the disclosures are adequate to ~~condensed~~enable a reasonable ~~financial~~understanding of the information presented. ~~position~~The asresults of operations for ~~January~~the ~~31,~~period ~~2001,~~are ~~and~~not necessarily indicative of the ~~condensed~~ results of ~~their operations~~to be expected for the ~~periods~~full ~~ended~~year. ~~January~~These ~~31,~~Condensed ~~2001~~Financial Statements ~~and~~should ~~2000,~~be read in conjunction with the financial statements and ~~are~~the ofnotes thereto included in athe ~~normal~~Collective Investment ~~recurring~~Trusts' ~~nature.~~Annual Report on Form 10-K for the year ended October 31, 2000.

~~UMB~~In the ~~BANK,~~opinion ~~n.a. Pooled Equity Fund for Employees Trusts Statements~~ of ~~Operations Quarter Quarter FY Ended Ending 01/31/00~~management, ~~Ending 01/31/01 10/31/00~~the ~~---------------~~accompanying ~~--------------- --------- Investment~~unaudited ~~Income~~ condensed ~~Dividends 562,798 424,790 1,947,364~~ financial ~~Interest 538,621 156,065 1,547,825 ----------- ---------- ----------- Gross~~statements ~~Investment~~contain ~~Income 1,101,419 580,855 3,495,189 Less:~~all ~~Audit Expense & Foreign Taxes (6,586) (6,225) (9,354)~~adjustments ~~----------- ---------- ----------- Net~~necessary ~~Investment~~to ~~Income 1,094,833 574,630 3,485,835 =========== ========== =========== Realized~~present ~~and~~fairly ~~Unrealized~~the ~~Gain~~Funds' ~~(Loss) on Investments:~~ condensed ~~Realized~~financial ~~Gain~~position ~~(Loss)~~as onof ~~Investments:~~April 30, 2001, ~~Proceeds~~and ~~from~~the ~~Sales 107,543,555 35,646,284 364,173,641~~ condensed ~~Cost~~results of ~~Securities Sold 109,276,853 35,345,810 363,491,108 ----------- ---------- -----------~~ their ~~Net~~operations ~~Realized~~for ~~Gain~~the ~~(Loss) (1,733,298) 300,474 682,533 Unrealized~~periods ~~Gain (Loss) on Invesements:~~ended ~~Beginning~~April ~~of Period 13~~30,~~443,563 12,813,025 13,443,563 End~~ of2001 ~~Period 13~~and 2000,~~848,149 10,403,058 12,813,025 ----------- ---------- ----------- Net~~ ~~Unrealized~~and ~~Gain~~are ~~(Loss) 404,586 (2,409,967) (630,538) ----------- ---------- ----------- Net~~of ~~Realized~~a ~~and~~normal ~~Unrealized Gain~~recurring ~~on Investments (1,328,712) (2,109,493) 51,995 =========== ========== ===========~~ nature.

See note to Condensed Financial Statements

UMB Bank, n.a.
Pooled Debt Fund for Employees Trusts
Statement of Operations

                                                                                 Quarter           Quarter          FY Ended         Six Months        Six Months
                                                                              Ending 04/30/00  Ending 04/30/01     10/31/2000      Ended 04/30/01    Ended 04/30/00
                                                                             ---------------------------------------------------------------------------------------

Investment Income

Interest                                                                           1,712,482          972,704         5,379,015         1,990,326         3,123,163

Gross Investment Income                                                            1,712,482          972,704         5,379,015         1,990,326         3,123,163

Less: Audit Expense                                                                   (2,336)          (4,710)          (11,246)          (10,925)           (5,672)

                                                                             ---------------------------------------------------------------------------------------
Net Investment Income                                                              1,710,147          967,994         5,367,769         1,979,401         3,117,491

Realized and Unrealized Gain (Loss) on Investments:

Realized Gain (Loss) on Investments:
Proceeds from Sales                                                               31,822,550       29,612,027        65,197,455        42,597,621        45,632,751
Cost of Securities Sold                                                           32,538,037       29,101,201        66,653,932        41,935,525        46,365,515

Net Realized Gain (Loss)                                                            (715,486)         510,826        (1,456,477)          662,096          (732,764)

Unrealized Gain (Loss) on Investments:
Beginning of Period                                                               (1,768,682)       1,935,590           (92,054)           33,211           (92,054)
End of Period                                                                     (1,528,710)       1,445,340            33,212         1,445,340        (1,528,710)

Net Unrealized Gain (Loss)                                                           239,972         (490,250)          125,266         1,412,129        (1,436,657)

                                                                             ---------------------------------------------------------------------------------------
Net Realized and Unrealized Gain (Loss)                                             (475,515)          20,576        (1,331,211)        2,074,225        (2,169,420)
    on Investments

Net Increase (Decrease) in Net Assets
                                                                             ---------------------------------------------------------------------------------------
                      Resulting from Operations                                    1,234,632          988,570         4,036,558         4,053,626           948,071
                                                                             =======================================================================================
UMB Bank, n.a.
Pooled Debt Fund for Employees Trust
Statements of Participant's Interest

                                                                              Quarter           Quarter          FY Ended         Six Months         Six Months
                                                                          Ending 04/30/00   Ending 04/30/01     10/31/2000      Ended 04/30/01     Ended 04/30/00
                                                                      -------------------------------------------------------------------------------------------

Participants' Interest at Beginning of Period                                 83,860,287       66,694,474        92,660,744        68,086,026         92,660,744

Changes from Investment Activities:
           Net Investment Income                                               1,710,147          967,994         5,367,769         1,979,401          3,117,491
           Net Realized Gain (Loss) on Investments                              (715,486)         510,826        (1,456,477)          662,096           (732,764)
           Net Unrealized Gain (Loss) in Investments                             239,972         (490,250)          125,266         1,412,129         (1,436,657)

                                                                      -------------------------------------------------------------------------------------------
           Net Increase (Decrease) from                                        1,234,633          988,570         4,036,558         4,053,626            948,070
Investment Activity


Changes from Participating Unit Transactions:
            Received from Issuance of 163,943 units                                             1,345,674        12,812,950         2,029,511
            Received from Issuance of 131,577 units                            1,344,407                                                               2,112,681

            Payment on Redemption of 1,490,197 units                                          (12,207,044)      (41,424,226)      (17,347,490)
            Payment on Redemption of 665,477 units                            (9,816,953)                                                            (19,099,121)

                                                                      -------------------------------------------------------------------------------------------
            Net Increase (Decrease) from                                      (8,472,546)     (10,861,370)      (28,611,276)      (15,317,979)       (16,986,440)
Participating  Unit Transactions

                                                                      -------------------------------------------------------------------------------------------
Participant's Interest at End of Period                                       76,622,374       56,821,673        68,086,026        56,821,673         76,622,374
                                                                      ===========================================================================================
UMB Bank, n.a.
Pooled Debt Fund for Employees Trust
Statement of Assets and Liabilities

                                                              10/31/2000                                    4/30/2001
                                                         Cost           Market                        Cost             Market
                                                    --------------------------------            -----------------------------------

Assets:
US Government and Agency Obligations                       36,761,677      37,119,452                    32,721,529       33,954,489
Corporate Bonds                                          30,852,246      30,527,683                    21,450,860       21,719,910
Short-Term Money Market Fund                                      -               -                        10,254           10,254

   Total Investments                                     67,613,923      67,647,135                    54,182,643       55,684,653

Cash                                                                              -                                        344,700
Income Receivable                                                         1,065,968                                        793,377
Receivable for Securities Sold                                                    -                                              -

                                                                    ---------------------------------------------------------------
Totals Assets:                                                           68,713,103                                     56,822,730
                                                                    ===============================================================


Liabilities:
Disbursement in excess of
     Demand Deposit Cash                                                    623,213                                              -
Audit Fees Payable                                                            3,864                                          1,057
Payable for Securities Purchased                                                  -                                              -

Total Liabilities:                                                          627,077                                          1,057

Participants' Interest:

    $7.76 Per Unit on
8,772,286 Units Outstanding on 10/31/00                                  68,086,026
$8.26 Per Unit on
6,881,615 Units Outstanding 04/30/01                                                                                    56,821,673

                                                                    ----------------                              -----------------
Total Liabilities and Participants' Equity                               68,713,103                                     56,822,730
                                                                    ================                              =================
UMB Bank, n.a.
Pooled Equity Fund for Employees Trusts
Statement of Operations

                                                                       Quarter          Quarter        FY Ended      Six Months       Six Months
                                                                   Ending 04/30/00   Ending 04/30/01   10/31/00    Ended 04/30/01   Ended 04/30/00
                                                                  ----------------------------------------------------------------------------------

Investment Income
Dividends                                                                    547,113        387,699      1,947,364         812,489        1,109,911
Interest                                                                     461,296         95,960      1,547,825         252,024          999,917

Gross Investment Income                                                    1,008,409        483,658      3,495,189       1,064,513        2,109,828

Less: Audit Expense and Foreign Taxes                                           (2,336)        (4,784)        (9,354)        (11,008)          (8,922)

                                                                  ----------------------------------------------------------------------------------
Net Investment Income                                                      1,006,073        478,874      3,485,835       1,053,505        2,100,906

Realized and Unrealized Gain (Loss) on Investments:

Realized Gain (Loss) on Investments:
Proceeds from Sales                                                      116,905,290     41,402,281    364,173,641      77,048,565      224,448,846
Cost of Securities Sold                                                  115,323,401     42,704,994    363,491,108      78,050,804      224,600,254

Net Realized Gain (Loss)                                                   1,581,889     (1,302,712)       682,533      (1,002,239)        (151,408)

Unrealized Gain (Loss) on Investments:
Beginning of Period                                                       13,848,149     10,403,058     13,443,563      12,813,025       13,443,563
End of Period                                                             12,671,647      6,720,771     12,813,025       6,720,771       12,671,647

Net Unrealized Gain (Loss)                                                (1,176,502)    (3,682,287)      (630,538)     (6,092,254)        (771,916)

                                                                  ----------------------------------------------------------------------------------
Net Realized and Unrealized Gain (Loss)
    on Investments                                                           405,387     (4,985,000)        51,995      (7,094,493)        (923,324)

Net Increase (Decrease) in Net Assets
                                                                  ----------------------------------------------------------------------------------
                      Resulting from Operations                            1,411,460     (4,506,125)     3,537,830      (6,040,988)       1,177,582
                                                                  ==================================================================================
UMB Bank, n.a.
Pooled Equity Fund for Employees Trust
Statements of Participant's Interest

                                                                Quarter          Quarter          FY Ended        Six Months      Six Months
                                                            Ending 04/30/00  Ending 04/30/01      10/31/00      Ended 04/30/01  Ended 04/30/00
                                                            ------------------------------------------------------------------------------------

Participants' Interest at Beginning of Period                    147,492,108      103,237,713       147,424,965     110,225,425     147,424,965

Changes from Investment Activities:
           Net Investment Income                                   1,006,073          478,874         3,485,835       1,053,505       2,100,906
           Net Realized Gain (Loss) on Investments                 1,581,889       (1,302,712)          682,533      (1,002,239)       (151,408)
           Net Unrealized Gain (Loss) in Investments              (1,176,502)      (3,682,287)         (630,538)     (6,092,254)       (771,916)

                                                            ------------------------------------------------------------------------------------
           Net Increase (Decrease) from
Investment Activity                                                1,411,460       (4,506,125)        3,537,830      (6,040,988)      1,177,582


Changes from Participating Unit Transactions:
            Received from Issuance of 206,605 units                                 2,165,530        21,781,514                       8,944,493
            Received from Issuance of 186,267 units                2,416,744                                          3,425,088

            Payment on Redemption of 1,172,828 units                              (11,986,967)      (62,518,884)
            Payment on Redemption of 865,775 units               (21,137,034)                                       (18,699,374)    (27,363,762)

                                                            ------------------------------------------------------------------------------------
            Net Increase (Decrease) from
Participating  Unit Transactions                                 (18,720,290)      (9,821,437)      (40,737,370)    (15,274,286)    (18,419,269)

                                                            ------------------------------------------------------------------------------------
Participant's Interest at End of Period                          130,183,278       88,910,151       110,225,425      88,910,151     130,183,278
                                                            ====================================================================================
UMB Bank, n.a.
Pooled Equity Fund for Employees Trust
Statement of Assets and Liabilities

                                                                  10/31/2000                                        4/30/2001
                                                            Cost             Market                          Cost             Market
                                                      ------------------------------------             ------------------------------------

Assets:
Common Stock                                                 85,906,212        98,719,237                     74,663,402        81,384,173
Commercial Paper                                             10,037,926        10,037,926                      3,050,340         3,050,340
Other Investments                                             1,361,675         1,361,675                      4,402,163         4,402,163

   Total Investments                                         97,305,813       110,118,838                     82,115,905        88,836,676

Cash                                                                                    0                                           (7,044)
Income Receivable                                                                 116,416                                           82,273
Receivable for Securities Sold                                                          0                                                0

                                                                        ------------------                               ------------------
Totals Assets:                                                                110,235,254                                       88,911,905
                                                                        ==================                               ==================


Liabilities:
Disbursement in excess of
     Demand Deposit Cash                                                            5,302                                                0
Audit Fees Payable                                                                  4,527                                            1,754
Payable for Securities Purchased                                                        0                                                0

Total Liabilities:                                                                  9,829                                            1,754

Participants' Interest:

    $11.04 Per Unit on
9,983,282 Units Outstanding on 10/31/00                                       110,225,425
    $10.45 Per Unit on
8,508,950 Units Outstanding 04/30/01                                                                                            88,910,151

                                                                        ------------------                               ------------------
Total Liabilities and Participants' Equity                                    110,235,254                                       88,911,905
                                                                        ==================                               ==================
UMB Bank, n.a.
Pooled Income Fund for Employees Trusts
Statement of Operations

                                                                                  Quarter           Quarter           FY Ended          Six Months         Six Months
                                                                              Ending 04/30/00   Ending 04/30/01      10/31/2000       Ended 04/30/01     Ended 04/30/00
                                                                             ---------------------------------------------------------------------------------------------

Investment Income

Interest                                                                                383,019          267,386          1,551,790            626,537            779,503

Gross Investment Income                                                                 383,019          267,386          1,551,790            626,537            779,503

Less: Audit Expense and Foreign Taxes                                                      (856)          (1,712)            (3,400)            (4,139)            (1,722)

                                                                             ---------------------------------------------------------------------------------------------
Net Investment Income                                                                   382,163          265,674          1,548,390            622,398            777,781

Realized and Unrealized Gain (Loss) on Investments:

Realized Gain (Loss) on Investments:
Proceeds from Sales                                                                  79,997,188       74,190,377        273,484,686        142,547,915        141,404,507
Cost of Securities Sold                                                              79,997,188       74,190,297        273,484,686        142,547,835        141,404,507

Net Realized Gain (Loss)                                                                      -               80                  -                 80                  -

Unrealized Gain (Loss) on Investments:
Beginning of Period                                                                           -                -                  -                  -                  -
End of Period                                                                                 -                -                  -                  -                  -

Net Unrealized Gain (Loss)                                                                    -                -                  -                  -                  -

                                                                             ---------------------------------------------------------------------------------------------
Net Realized and Unrealized Gain (Loss)                                                       -               80                  -                 80                  -
    on Investments

Net Increase (Decrease) in Net Assets
                                                                             ---------------------------------------------------------------------------------------------
                      Resulting from Operations                                         382,163          265,754          1,548,390            622,478            777,781
                                                                             =============================================================================================
UMB Bank, n.a.
Pooled Income Fund for Employees Trust
Statements of Participant's Interest

                                                              Quarter          Quarter         FY Ended     Six Months     Six Months
                                                          Ending 04/30/00  Ending 04/30/01     10/31/00    Ended 04/30/01Ended 04/30/00
                                                          ------------------------------------------------------------------------------

Participants' Interest at Beginning of Period                   28,633,835       21,315,402     26,636,430    22,460,962     26,636,430

Changes from Investment Activities:
           Net Investment Income                                   382,163          265,674      1,548,390       622,398        777,781
           Net Realized Gain (Loss) on Investments                       0               80              0            80              0
           Net Unrealized Gain (Loss) in Investments                     0                0              0             0              0

                                                          ------------------------------------------------------------------------------
           Net Increase (Decrease) from                            382,163          265,754      1,548,390       622,478        777,781
Investment Activity


Changes from Participating Unit Transactions:
            Received from Issuance of 149,475 units                                 957,546      4,727,675     1,509,469
            Received from Issuance of 96,065 units                 858,965                                                    3,930,813

            Payment on Redemption of 379,029 units                               (2,428,617)   (10,451,533)   (4,482,824)
            Payment on Redemption of 374,632 units              (4,288,901)                                                  (5,758,962)

                                                          ------------------------------------------------------------------------------
            Net Increase (Decrease) from                        (3,429,936)      (1,471,071)    (5,723,858)   (2,973,355)    (1,828,149)
Participating  Unit Transactions

                                                          ------------------------------------------------------------------------------
Participant's Interest at End of Period                         25,586,062       20,110,084     22,460,962    20,110,084     25,586,062
                                                          ==============================================================================
UMB Bank, n.a.
Pooled Income Fund for Employees Trust
Statement of Assets and Liabilities

                                                     10/31/2000                                   4/30/2001
                                                        Cost            Market                       Cost           Market
                                                   ---------------------------------           ---------------------------------

Assets:
United States Government and Agency Obligations          4,483,159        4,483,159                           0               0
Commercial Paper                                        13,916,493       13,916,493                  17,136,837      17,136,837
Short-Term Money Market Fund                             3,990,193        3,990,193                   2,933,139       2,933,139

   Total Investments                                    22,389,845       22,389,845                  20,069,976      20,069,976

Cash                                                                              0                                      (1,764)
Income Receivable                                                            72,747                                      42,605
Receivable for Securities Sold                                                    0                                           0

                                                                   -----------------                            ----------------
Totals Assets:                                                           22,462,592                                  20,110,817
                                                                   =================                            ================


Liabilities:

Audit Fees Payable                                                            1,630                                         733
Payable for Securities Purchased                                                  0                                           0

Total Liabilities:                                                            1,630                                         733

Participants' Interest:

    $6.26 Per Unit on
3,586,943 Units Outstanding on 10/31/00                                  22,460,962
    $6.45 Per Unit on
3,119,504 Units Outstanding 04/30/01                                                                                 20,110,084

                                                                   -----------------                            ----------------
Total Liabilities and Participants' Equity                               22,462,592                                  20,110,817
                                                                   =================                            ================

~~UMB~~MANAGEMENT ~~Bank,~~DISCUSSION ~~n.a. Pooled~~AND ~~Equity~~ANALYSIS ~~Fund~~OF ~~for~~FINANCIAL ~~Employees Trusts~~CONDITION ~~Statements~~AND ofRESULTS ~~Participants'~~OF ~~Interest~~OPERATIONS ~~Quarter Quarter FY~~QUARTER ~~Ended Ending~~ENDING 0104/3130/~~00 Ending~~ 01/31/01 10/31/00 --------------- --------------- --------- Participants' Interest at Beginning of Period 147,424,965 110,225,425 147,424,965 Changes from Investment Activities: Net Investment Income 1,094,833 574,630 3,485,835 Net Realized Gain (Loss) on Investments (1,733,297) 300,474 682,533 Net Unrealized Gain (Loss) on Investments 404,586 (2,409,967) (630,538) ----------- ---------- ----------- Net Increase (Decrease) from Investment Activity (233,878) (1,534,863) 3,537,830 ----------- ---------- ----------- Changes from Participanting Unit Transactions: Received from Issuance of 58,701 units 6,527,749 21,781,514 Received from Issuance of 116,850 units 1,259,557 Payment on Redemption of 56,974 units (6,226,728) (62,518,884) Payment on Redemption of 624,959 units (6,712,407) Net Increase (Decrease) from Participating Unit Transactions 301,021 (5,452,849) (40,737,370) ----------- ---------- ----------- Participants' Interest at End of Period 147,492,108 103,237,713 110,225,425 =========== ========== ===========

~~See~~The ~~note~~most recent quarter saw a continuation of deteriorating economic news. The jobless rate began to ~~Condensed~~climb, ~~Financial~~consumers ~~Statements~~were more cautious in their spending, and business worked down inventories. The stock market continued to work lower to levels not seen for a couple of years.

~~UMB Bank, n.a.~~ ~~Pooled~~The ~~Equity~~good ~~Fund~~news ~~for~~is ~~Employees~~the ~~Trusts Statements~~Federal ofReserve ~~Assets~~continued ~~and~~their Liabilities 10/31/2000 01/31/2001 Cost Market Cost Market ----------- ------------ ------------ ------------ Assets: Commonaggressive ~~Stock 85,906,212 98,719,237 84,560,999 94,964,056 Commercial~~easing ~~Paper 10,037,926 10,037,926 6,864,107 6,864,107~~started ~~Other~~in ~~Investments 1,361,675 1,361,675 1,323,126 1,323,126 ------------ ------------- ------------~~January. ~~------------- Total~~During Investments 97,305,813 110,118,838 92,748,232 103,151,290 ============ ============ Cash 0 0 Interestthis &most ~~Dividends~~recent ~~Receivable 116~~quarter,~~416 91,418 Receivable~~ ~~for~~Fed ~~Securities~~Funds ~~Sold 0 ------------- ------------- Total~~were ~~Assets: 110,235,254 103,242,708~~reduced a ~~============= ============= Liabilities: Disbursement~~further in1.5%. ~~excess~~Also, ~~of Demand~~continued ~~Deposit~~progress ~~Money 5,302 4,808 Audit~~from ~~Fees~~Washington ~~Payable 4,527 187~~concerning tax ~~Payable~~relief ~~for~~helped ~~Securities~~to ~~Sold 0 0 ------------- ------------- Total~~buoy ~~Liabilities 9,829 4,995 ------------- ------------- Participants'~~investor ~~Interest: 11~~confidence.04 ~~Per~~The ~~Unit~~month ~~on 9,983,281~~of ~~Units~~April ~~Outstanding 110,225,425~~saw a ~~10.90~~rebound ~~Per~~in ~~Unit~~the ~~on 9,475,173~~markets ~~Units~~that ~~Outstanding 103,237,713 ------------- ------------- Total~~kept ~~Liabilities~~losses ~~and~~for ~~Participants'~~the ~~Equity 110,235,254 103,242,708~~quarter to a few ~~============= =============~~ percentage points.

~~See~~In ~~note~~fixed income we continued to ~~Condensed~~see ~~Financial~~good ~~Statements~~positive returns although at the end of the quarter longer term maturities began to show weakness as the market began to worry about re-igniting inflation. Our conservative average life maturities benefited the return in the Fund as trailing 12-month returns are now in double digits.

~~UMB Bank, n.a.~~ ~~Pooled~~The ~~Debt~~economy ~~Fund~~appears ~~for~~to ~~Employees~~have ~~Trusts Statements~~stopped ofits ~~Operations Quarter Quarter FY~~deceleration. ~~Ended Ending~~Is ~~01/31/00 Ending~~the ~~01/31/01 10/31/00 --------------- --------------- --------- Investment~~economy ~~Income~~going ~~Interest 1,410,681 1,017,622 5,379,015 ----------- ---------- ----------- Gross~~to ~~Investment~~escape ~~Income 1,410,681 1,017,622 5,379,015 Less:~~a ~~Audit~~true ~~Expense~~recession? &The ~~Foreign~~answer ~~Taxes (3,336) (6,215) (11,246) ----------- ---------- ----------- Net~~to ~~Investment~~this ~~Income 1,407,345 1,011,407 5,367,769 =========== ========== =========== Realized~~is ~~and~~anyone's ~~Unrealized Gain(Loss) on Investments:~~guess. ~~Realized~~Going ~~Gain (Loss) on Investments: Proceeds from Sales 13~~forward,~~810,201 12,985,594 65,197,455 Cost~~ ofwe ~~Securities~~will ~~Sold 13,827,478 12,834,323 66,653,932 ----------- ---------- ----------- Net~~be ~~Realized~~closely ~~Gain~~monitoring ~~(Loss) (17,277) 151,271 (1,456,477) Unrealized~~the ~~Gain~~consumer ~~(Loss)~~as ~~on Invesements:~~to ~~Beginning~~spending ofpatterns Period (92,054) 33,212 (92,054) End of Period (1,768,682) 1,935,590 33,212 ----------- ---------- ----------- Net Unrealized Gain (Loss) (1,676,628) 1,902,378 125,266 Net Realized and ~~Unrealized Gain~~Federal onReserve Investments (1,693,905) 2,053,649 (1,331,211) ----------- ---------- ----------- Net Increase (Decrease) in Net Assets Resulting from Operations (286,560) 3,065,056 4,036,558 =========== ========== =========== policy.

~~See~~POOLED ~~note~~FUND ~~to Condensed Financial Statements~~COMMENTARY

~~UMB~~ The ~~Bank,~~collective ~~n.a. Pooled~~investment ~~Debt~~funds ~~Fund~~included ~~for~~in ~~Employees~~this ~~Trusts Statements~~report ofare ~~Participants'~~for ~~Interest Quarter Quarter FY~~the ~~Ended~~use of ~~Ending~~"Qualified ~~01/31/00 Ending~~Retirement ~~01/31/01 10/31/00 --------------- --------------- --------- Participants'~~Trusts" ~~Interest~~such atas ~~Beginning~~yours. ofThese ~~Period 92~~funds,~~660,744 68,086,026 92,660,744 ----------- ---------- ----------- Changes~~ ~~from~~the ~~Investment Activities:~~Pooled ~~Net~~Equity ~~Investment~~Fund, ~~Income 1~~Pooled Debt Fund,~~407,344 1,011,407 5,367,769 Net~~ ~~Realized~~and ~~Gain~~the ~~(Loss)~~Pooled onIncome ~~Investments (17~~Fund,~~277) 151,271 (1,456,477)~~ represent a ~~Net~~pool ~~Unrealized~~of ~~Gain~~capital ~~(Loss)~~of onabout ~~Investments (1,676,628) 1,902,379 125,266 ----------- ---------- ----------- Net~~$165 ~~Increase~~million. ~~(Decrease)~~Participating ~~from Investment~~accounts ~~Activity (286,561) 3,065,056 4,036,558~~benefit ~~----------- ---------- ----------- Changes~~ from ~~Participanting~~this ~~Unit~~large ~~Transactions: Received~~concentration ~~from~~of ~~Issuance~~capital ofby ~~10,462~~receiving ~~units 768,274 12,812,950~~constant ~~Received~~investment ~~from~~attention, ~~Issuance~~lower ofbrokerage ~~85,944~~commissions ~~units 683~~on large trades,~~837~~ and ~~Payment~~broad ondiversification ~~Redemption~~which ofreduces ~~126,417~~risk ~~units (9,282,171) (41,424,226)~~and enhances investment ~~Payment~~opportunities. onInvestment ~~Redemption~~programs ofto ~~650,361~~meet ~~units (5,140,445) ----------- ---------- ----------- Net~~the ~~Increase~~objectives ~~(Decrease)~~of ~~from~~each ~~Participating~~individual ~~Unit~~trust ~~Transactions (8,513,897) (4,456,609) (28,611,276) ----------- ---------- ----------- Participants'~~can ~~Interest~~be atdesigned ~~End~~by ofadjusting ~~Period 83,860,286 66,694,474 68,086,026~~the ratio of ~~=========== =========== ===========~~ participation in the various funds.

~~See~~POOLED ~~note~~EQUITY ~~to Condensed Financial Statements~~FUND

~~UMB~~ During ~~Bank,~~the ~~n.a. Pooled~~past ~~Debt~~quarter, ~~Fund~~new ~~for~~stock ~~Employees~~positions ~~Trusts Statements~~added ofin ~~Assets~~the ~~and~~fund ~~Liabilities~~were Nortel 10/31/2000 01/31/2001 Cost Market Cost Market ----------- ------------ ------------ ------------ Assets: UnitedNetworks, ~~States~~Tellabs ~~Government~~and ~~& Agency~~Aquila. ~~Obligations 36,761,677 37,119,452 34,550,136 36,314,874 Corporate~~Positions ~~Bonds 30,852,246 30,527,683 26,817,400 27,448,260 Short-term~~were ~~Money~~deleted ~~Market~~in ~~Fund 0 0 1~~Archer Daniels Midland,~~656~~ Covance,~~411 1,656,411 ------------ ------------- ------------~~ ~~------------- Total~~Snap ~~Investments 67~~On,613,923 67,647,135 63,023,947 65,419,545 ============ ============ Cash 0 0 Interest ~~Receivable 1~~Lucent Technologies,~~065,968 1,274,445~~ International Paper ~~Receivable~~and ~~for~~Schlumberger. ~~Securities~~The ~~Sold 0 0 ------------- ------------- Total~~fund's Assets: 68,713,103 66,693,990 ============= ============= Liabilities: Audittotal ~~Fees~~return ~~Payable 3,864~~ (~~484)~~income plus price ~~Payable~~appreciation) for ~~Securities~~the ~~Sold 0 0 Disbursements~~quarter inended ~~excess~~04/30/01 ofwas ~~demand~~-4.10%. ~~deposit~~The ~~cash 623,213 0~~Fund's ~~------------- ------------- Total~~return ~~Liabilities 627,077 (484) ------------- ------------- Participants'~~for ~~Interest: $7.76~~the ~~per~~quarter ~~unit~~ended on04/30/00 ~~8,772,286~~was ~~units~~0.99%. and for the fiscal ~~outstanding~~year ended 10/31/00 ~~68,086,026 $8~~ was 3.1332%. ~~per~~For ~~unit~~the onpast 812 months,~~207,870~~ ~~units~~the total Fund ~~outstanding~~return ~~01/31/01 66~~was -3.10%. Excluding cash reserves,~~694,474~~ the total return of stocks held by the Fund was -4.73 for the quarter and -~~----------- -------------~~3.86 for the last 12 ~~Total~~months. ~~Liabilities~~The ~~and~~Fund ~~Participants'~~ended ~~Equity 68,713,103 66,693,990~~the period with cash reserves of ~~============= =============~~ 8.40%.

~~See~~POOLED ~~note~~DEBT ~~to Condensed Financial Statements~~FUND

~~UMB Bank, n.a.~~ ~~Pooled~~In ~~Income~~keeping ~~Fund~~with ~~for~~our ~~Employees~~philosophy ~~Trusts Statements~~ of ~~Operations Quarter Quarter FY~~maintaining ~~Ended Ending~~a ~~01/31/00 Ending 01/31/01 10/31/00~~ high-~~-------------- --------------- --------- Investment~~quality ~~Income~~portfolio ~~Interest 396,484 359,150 1,551,790 ----------- ---------- ----------- Gross~~with ~~Investment~~limited ~~Income 396~~maturity exposure,~~484 359,150 1,551,790 Less:~~ ~~Audit~~about ~~Expense~~55.0% &of ~~Foreign~~the ~~Taxes (866) (2,426) (3,400) ----------- ---------- ----------- Net~~portfolio ~~Investment~~was ~~Income 395,618 356,724 1,548,390~~held in ~~=========== ========== =========== Realized~~U.S. Government and ~~Unrealized~~Agency ~~Gain(Loss)~~issues. onApproximately ~~Investments:~~66% of the portfolio ~~Realized~~will ~~Gain~~mature ~~(Loss)~~within onfive ~~Investments: Proceeds~~years. ~~from~~The ~~Sales 61,407,319 68,357,538 273,484,686 Cost~~weighted average life of ~~Securities~~the ~~Sold 61,407,319 68,357,538 273,484,686~~total ~~----------- ---------- ----------- Net~~portfolio ~~Realized~~is ~~Gain~~3.1 ~~(Loss) 0 0 0~~ years. ~~Unrealized~~The ~~Gain~~Fund's ~~(Loss)~~total onreturn ~~Investments: Beginning~~for ofthe ~~Period 0 0 0~~quarter ended ~~End~~04/30/01 ofwas ~~Period 0 0 0 ----------- ---------- -----------~~ 1.62%. ~~Net~~The ~~Unrealized~~Fund's ~~Gain~~return ~~(Loss) 0 0 0~~for the quarter ended 04/30/00 ~~----------- ---------- ----------- Net~~was ~~Realized~~1.58% and ~~Unrealized Gain~~for onthe ~~Investments 0 0 0 ----------- ---------- ----------- Net~~fiscal ~~Increase~~year inended ~~Assets~~10/31/00 ~~Resulting~~was 5.66%. For the ~~From~~past ~~Operations 395~~12 months,~~618 356~~ the total Fund returned 11.04%. At period end,~~724 1,548,390~~ the ~~=========== ========== ===========~~current yield of the fund was approximately 6.16%. The weighted yield to maturity at market was 5.70%.

~~See~~POOLED ~~note~~INCOME ~~to Condensed Financial Statements~~FUND

~~UMB~~ The ~~Bank,~~Fund ncontinues to be invested in short-term U.aS. Government and Agency ~~Pooled~~obligations, ~~Income~~high-quality ~~Fund~~commercial ~~for~~paper ~~Employees~~and ~~Trusts~~liquid guaranteed ~~Statements~~insurance ofcontracts. ~~Participants~~The Fund's ~~Interest Quarter Quarter FY~~return ~~Ended Ending~~for ~~01/31/00 Ending~~quarter 01ended 04/3130/01 ~~10/31/00~~ of ~~--------------- --------------- --------- Participants'~~1.29% ~~Interest~~is atequivalent ~~Beginning~~to an annualized total return of ~~Period~~ 5.26~~,636,430 22,460,962 26,636,430~~%. The return ~~Changes~~for ~~from~~the ~~Investment~~quarter ~~Activities: Net~~ended ~~Investment~~04/30/00 ~~Income 395,618 356,724~~ was 1.44%,~~548,390 Net~~ ~~Realized~~equivalent ~~Gain~~to ~~(Loss)~~an ~~on Investments 0 0 0~~annualized ~~Net~~total ~~Unrealized~~return ~~Gain~~of ~~(Loss)~~5.76%. onThe ~~Investments 0 0 0 ----------- ---------- ----------- Net~~total ~~Increase~~return ~~(Decrease)~~for ~~from Investment~~the ~~Activity 395,618 356,724 1,548,390 ----------- ---------- ----------- Changes~~fiscal ~~from~~year ~~Participanting~~ended 10/31/00 ~~Unit~~was ~~Transactions: Received~~6.41%. ~~from~~For ~~Issuance~~the ofpast ~~51,698~~12 ~~units 3~~months,~~071,848 4,727,675 Received~~ ~~from~~the ~~Issuance~~fund ofreturned ~~87,313 units 551,923~~6.42%. ~~Payment~~The onFund ~~Redemption~~has ofan ~~24,881~~average ~~units (1,470,060) (10,451,533) Payment~~maturity ~~on Redemption~~ of ~~325,198~~20 ~~units (2,054,207) ----------- ---------- ----------- Net~~days ~~Increase~~and ~~(Decrease)~~a ~~from Participating~~weighted ~~Unit~~yield ~~Transactions 1,601,788 (1,502,284) (5,723,858)~~to ~~----------- ---------- ----------- Participants'~~maturity ~~Interest at End~~ of ~~Period 28,633,836 21,315,402 22,460,962 =========== ========== ===========~~ 4.70%.

See note to Condensed Financial Statements

UMB Bank, n.a.
Pooled Income Fund for Employees Trusts
Statements of Assets and Liabilities

                                             10/31/2000                 01/31/2001
                                         Cost         Market          Cost         Market
                                     -----------   ------------   ------------  ------------

Assets:

  United States Government &
    Agency Obligations                4,483,159      4,483,159      4,434,535     4,434,535
  Commercial Paper                   13,916,493     13,916,493     14,209,793    14,209,794
  Short Term Money Market Fund        3,990,193      3,990,193      2,612,395     2,612,395
                                    ------------  -------------   ------------ -------------
    Total Investments                22,389,845     22,389,845     21,256,723    21,256,724
                                    ============                  ============

    Cash                                                     0                          528
    Interest & Dividends Receivable                     72,747                       58,333
    Receivable for Securities Sold                           0                            0
                                                  -------------                -------------
Total Assets:                                       22,462,592                   21,315,585
                                                  =============                =============

Liabilities:
  Audit Fees Payable                                     1,630                          183
  Payable for Securities Sold                                0                            0
                                                  -------------                -------------
Total Liabilities                                        1,630                          183
                                                  -------------                -------------

Participants' Interest:
  $6.26 per unit on 3,586,943 units
    outstanding in 2000                             22,460,962
  $6.36 per unit on 3,349,058 units
    outstanding as of 01/31/01                                                   21,315,402
                                                  -------------                -------------
Total Liabilities and Participants' Equity          22,462,592                   21,315,585
                                                  =============                =============

See note to Condensed Financial Statements

MANAGEMENT DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS FOR QUARTER ENDING 1/31/01

The markets continued their losing ways in the first quarter. The blue chip indices struggled into the new year with losses in most categories. The economy was pummeled with the election uncertainty (the longest in our history), higher energy costs (natural gas was more than 100% higher), and a slowing economy. Christmas sales were the slowest in five years as retailers saw the consumer wait for sales after the holidays.

The "light at the end of the tunnel" appeared in January as the Federal Reserve surprised the markets with a 50 basis point cut in rates the first week of the month and followed with another 50 basis point reduction three weeks later. The consumer returned to the stores for the sales and purchased big ticket items (cars and homes). This is turn sparked a stock market rally that erased half of the losses in the previous two months. The question for the market is whether this momentum will continue.

Pooled Equity Fund

During the past quarter, there were no new stock positions in the fund. Positions were deleted in Avaya Inc., Rohm & Haas, and Union Pacific Corp. The fund's total return (income plus price appreciation) for the quarter was -1.32%. For the past 12 months, the total Fund returned 2.04%. This compares to the total return for the quarter ended January 31, 2000 of -0.08% and for the year ended October 31, 2000 of 3.32%. Excluding cash reserves, the total return of stocks held by the Fund was -1.68% for the quarter and 0.87% for the last 12 months. The Fund ended the period with cash reserves of 7.96%.

Pooled Debt Fund

In keeping with our philosophy of maintaining a high-quality portfolio with limited maturity exposure, about 55.0% of the portfolio is held in U.S. Government and Agency issues. Approximately 66% of the portfolio will mature within five years. The weighted average life of the total portfolio is 3.1 years. The total return of the Fund was 4.69% for the quarter and 10.99% for the preceding 12 months. This compares to the total return for the quarter ended January 31, 2000 of -0.34% and for the year ended October 31, 2000 of 5.66%. At period end, the current yield of the fund was approximately 6.16%. The weighted yield to maturity at market was 5.70%.

Pooled Income Fund

The Fund continues to be invested in short-term U.S. Government and Agency obligations, high-quality commercial paper and liquid guaranteed insurance contracts. The Fund's quarterly return of 1.64% is equivalent to an annualized total return of 6.72%. For the past 12 months, the fund returned 6.57%. This compares to the total return for the quarter ended January 31, 2000 of 1.49% and for the year ended October 31, 2000 of 6.41%. The Fund has an average maturity of 13 days and a weighted yield to maturity of 5.60%.

PART II -- OTHER INFORMATION

Item 1.	Legal Proceedings. Not applicable.
Item 2.	Changes in Securities. Not applicable.
Item 3.	Defaults Upon Senior Securities. Not applicable.
Item 4.	Submission of Matters to a Vote of Security Holders. Not applicable.
Item 5.	Other Information. Not applicable.
Item 6.	Exhibits and Reports on Form 8-K.

(a)	Exhibits. The numbers set forth below correspond to the exhibit number in Item 601 of Regulation S-K.
(2)	Plan of Acquisition, reorganization, arrangement, liquidation or succession. Not applicable.
(3)	Articles of Incorporation and Bylaws. Not applicable.
(4)	Instrument Defining the Rights of Security Holders, Including Indentures. Not applicable.
(10)	Material Contracts. Not applicable.
(11)	Statement re Computation of Per Share Earnings. Not applicable.
(15)	Letter re Unaudited Interim Financial Information. Not applicable.
(18)	Letter re Change in Accounting Principles. Not applicable.
(19)	Report Furnished to Security Holders. Not applicable.
(22)	Published Report Regarding Matters Submitted to Security Holders. Not applicable.
(23)	Consents of Experts and Counsel. Not applicable.
(24)	Power of Attorney. Not applicable.
(27)	Financial Data Schedule. ~~27.1 - Pooled Income Fund 27.2 - Pooled Equity Fund 27.3 - Pooled Debt Fund~~None
(99)	Additional Exhibits. None..
(b)	Reports on Form 8-K. No report on Form 8-K was required to be filed during the three months ended ~~January~~April 3130, 2001.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

	The Collective Investment Trusts for Which UMB Bank, n.a. is Trustee
	(Registrant) by UMB Bank, n.a. as trustee
Date: March 15, 2001	By: / s / Steve Campbell Steve Campbell Senior Vice President
Date: June 22, 2001	By: / s / Steve Campbell Steve Campbell Senior Vice President
	By: / s / E. Frank Ware E. Frank Ware Executive Vice President and Trust Accounting Officert
	By: / s / E. Frank Ware E. Frank Ware Executive Vice President and Trust Accounting Officer

INDEX TO EXHIBITS
27.1	Financial Data Schedule for Pooled Income Fund
27.2	Financial Data Schedule for Pooled Equity Fund
27.3	Financial Data Schedule for Pooled Debt Fund

27.1 Article 5 FDS - Pooled Income The Schedule contains Summary Financial Information Extracted from the unaudited Financial Statements for the 3 Months Ending January 31, 2001, and is qualified in its entirety by reference to such Financial Statements.

Period - Type                         3 MTHS
Fiscal Year End                      10/31/2001
Period end                           01/31/2001
Cash                                        528
Securities                           21,256,724
Receivables                              58,333
Allowances                                    0
Inventory                                     0
Current Assets                                0
PP&E                                          0
Depreciation                                  0
Total Assets                         21,315,585
Current Liabilities                         183
Bonds                                         0
Preferred Mandatory                           0
Preferred Mandatory                           0
Common                                        0
Other SE                             21,315,402
Total Liability and Equity           21,315,585
Sales                                         0
Total Revenues                          359,150
CGS                                           0
Total Costs                                   0
Other Expenses                           (2,426)
Loss Provision                                0
Interest Expense                              0
Income Pretax                           356,724
Income Tax                                    0
Income Continuing                       356,724
Discontinued                                  0
Extraordinary                                 0
Changes                                       0
Net Income                              356,724
EPS Primary                                  $0.10
EPS Diluted                                  $0.10

27.2 Article 5 FDS - Pooled Equity Schedule contains Summary Financial Information Extracted from the unaudited Financial Statements for the 3 Months Ending January 31, 2001, and is qualified in its entirety by reference to such Financial Statements.

Period - Type                          3 MTHS
Fiscal Year End                      10/31/2001
Period end                             01/31/01
Cash                                          0
Securities                          103,151,290
Receivables                              91,418
Allowances                                    0
Inventory                                     0
Current Assets                                0
PP&E                                          0
Depreciation                                  0
Total Assets                        103,242,708
Current Liabilities                       4,995
Bonds                                         0
Preferred Mandatory                           0
Preferred Mandatory                           0
Common                                        0
Other SE                            103,237,713
Total Liability and Equity          103,242,708
Sales                                         0
Total Revenues                          580,855
CGS                                           0
Total Costs                                   0
Other Expenses                           (6,225)
Loss Provision                                0
Interest Expense                              0
Income Pretax                           574,630
Income Tax                                    0
Income Continuing                       574,630
Discontinued                                  0
Extraordinary                                 0
Changes                                       0
Net Income                              574,630
EPS Primary                                  $0.06
EPS Diluted                                  $0.06

27.3 Article 5 FDS - Pooled Debt Schedule contains Summary Financial Information Extracted from the unaudited Financial Statements for the 3 Months Ending January 31, 2001, and is qualified in its entirety by reference to such Financial Statements.

Period - Type                          3 MTHS
Fiscal Year End                      10/31/2001
Period end                             01/31/01
Cash                                          0
Securities                           65,419,545
Receivables                           1,274,445
Allowances                                    0
Inventory                                     0
Current Assets                                0
PP&E                                          0
Depreciation                                  0
Total Assets                         66,693,990
Current Liabilities                        (484)
Bonds                                         0
Preferred Mandatory                           0
Preferred Mandatory                           0
Common                                        0
Other SE                             66,694,474
Total Liability and Equity           66,693,990
Sales                                         0
Total Revenues                        1,017,622
CGS                                           0
Total Costs                                   0
Other Expenses                           (6,215)
Loss Provision                                0
Interest Expense                              0
Income Pretax                         1,011,407
Income Tax                                    0
Income Continuing                     1,011,407
Discontinued                                  0
Extraordinary                                 0
Changes                                       0
Net Income                            1,011,407
EPS Primary                                  $0.12
EPS Diluted                                  $0.12

Filing Compare · COLLECTIVE INVESTMENT TRUSTS FOR UNITED MISSOURI BANK N A