13F-HR 1 l85834ae13f-hr.txt SECURIY NATIONAL BANK FORM 13F-HR 1 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 INFORMATION REQUIRED OF INSTITUTIONAL INVESTMENT MANAGERS PURSUANT TO SECTION 13(f) OF THE SECURITIES EXCHANGE ACT OF 1934 AND RULES THEREUNDER SECURITY NATIONAL BANK 28-6576 ---------------------------------------- ------------------------------- Name of Institutional Investment Manager 13F File Number 40 S. LIMESTONE ST., SPRINGFIELD, OHIO 45502 -------------------------------------------------------------------------------- Business Address: (Street, City, State and Zip Code) Report for the Calendar Year or Quarter Ended: DECEMBER 2000 ---------------------------------- If amended report check here: --------- ATTENTION - Intentional misstatements or omissions of facts are Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a). I represent that I am authorized to submit this Form and that all information in this Form and the attachments to it is true, correct and complete, and I understand that all required items, statements and schedules are integral parts of this Form and that the submission of any amendment represents that all unamended items, statements and schedules remain true, correct and complete as previously submitted. I am signing this report as required by Securities Exchange Act of 1934. TERRI L. WYATT, TRUST OPERATIONS OFFICER (937) 324-6946 -------------------------------------------------------------------------------- Name, Title and Phone No. of Person Submitting this Report /s/ Terri L. Wyatt -------------------------------------------------------------------------------- Manual Signature of Person Submitting this Report SPRINGFIELD, OHIO December 31, 2000 ---------------------------------------- ------------------------------- Place Signed (City and State) Date Signed 2 FORM 13F SUMMARY PAGE Report Summary: Number of Other Included Managers: N/A Form 13F Information Table Entry Total: 169 Form 13F Information Table Value Total: $116,045 (thousands) List of Other Included Managers: Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report. [If there are no entries in this list, state "NONE" and omit the column headings and list entries.] NONE 3

REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 0912/3031/00 PAGE 1 - - - - - - - ITEM 1 AND 2 - - - - - - - ITEM 3 - - ITEM 4 - - ITEM 5 - - - ITEM 6 - - ITEM 7 - - - - - - ITEM 8 - - - - - - - INVESTMENT MARKET SHARES DISCRETION VOTING AUTHORITY VALUE OR SOLE SHR OTHER SOLE SHARED NONE ISSUER AND TITLE OF CLASS CUSIP (THOUSANDS) PRINCIPAL (A) (B) (C) MANAGERS (A) (B) (C) AMERICAN KIDNEY STONE MGMT LTD AMKID0006 581 4,436 X 4,436 ~~HELEN OF TROY CORP (HELE) G4388N106 78 11,000 X 11,000~~ SULLIVAN AND CO 3RD PROGRAM I, LLC SULLIVAN7 343 343,000 X 343,000 THORNHILL LIMITED PARTNERSHIP THORN00l0 ~~309~~315 ~~468~~477 X ~~468~~477 (CERTIFICATE OF ASSIGNMENT) AT & T CORP (T) 001957109 ~~1,192~~549 4031,~~569~~836 X 3931,~~480~~197 ~~1,089~~639 AT & T CORP (T) 001957109 ~~104~~61 3,549 X X 3,324 225 AXP SPL TAX EXEMPT SER TR 00246A812 114 21,628 X 21,628 OHIO TAX EXMP A AXP TAX EXEMPT SER INC 00246D402 45 11,040 X 11,040 CL A ABBOTT LABORATORIES (ABT) 002824100 ~~676~~687 14,~~223~~175 X 14,~~223~~175 ABBOTT LABORATORIES (ABT) 002824100 19 400 X X 400 AIR PRODUCTS & CHEMICALS INC (APD) 009158106 ~~275~~314 7,650 X 7,650 AIR PRODUCTS & CHEMICALS INC (APD) 009158106 1314 350 X X 350 AMERICAN ELECTRIC POWER CO (AEP) 025537101 ~~410~~343 107,~~474~~374 X 107,~~474~~374 AMERICAN ELECTRIC POWER CO (AEP) 025537101 89 200 X X 200 AMERICAN EXPRESS CO (AXP) 025816109 ~~791~~715 13,020 X 13,020 AMERICAN HOME PRODUCTS CORP (AHP) 026609107 ~~810~~702 1411,~~350~~050 X 1411,~~350~~050 AMERICAN INTL GRP (AIG) 026874107 ~~814~~613 86,~~504~~221 X 76,~~661~~221 ~~843~~ AMERICAN INTL GRP (AIG) 026874107 3637 375 X X 375 BP AMOCO P L C (BPA)(FORMERLY AMOCO) 055622104 1,~~529~~247 2926,~~858~~038 X 2724,~~330~~510 1,528 ADR SPONSORED BP AMOCO P L C (BPA)(FORMERLY AMOCO) 055622104 5146 968 X X 968 ADR SPONSORED BANK OF AMER CORP (BAC) (FORMERLY 060505104 ~~254~~222 4,842 X 4,842 BANKAMERICA CORP NEW) BANK ONE CORP (ONE) (FORMERLY FIRST 06423A103 1,~~322~~244 3433,~~744~~973 X 3433,~~744~~973 CHICAGO & BANC ONE) BANK ONE CORP (ONE) (FORMERLY FIRST 06423A103 4 118 X X 118 CHICAGO & BANC ONE) BARCLAYS BANK PLC CONV PFD 8% SER E 06738C836 ~~301~~312 12,435 X 12,435 (BCB P) BARCLAYS BANK PLC CONV PFD 8% SER E 06738C836 2526 1,050 X X 1,050 (BCB P) BAXTER INTERNATIONAL INC (BAX) 071813109 ~~357~~395 4,475 X 4,475 ~~BELLSOUTH CORP (BLS) 079860102 1,953 48,232 X 48,232~~ ------- COLUMN TOTALS 128,~~255~~957

REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 0912/3031/00 PAGE 2 - - - - - - ITEM 1 AND 2 - - - - - - - - - - - - ITEM 3 - - - ITEM 4 - - - ITEM 5 - - ITEM 6 - - - ITEM 7 - - - - ITEM 8 - - - - - - INVESTMENT MARKET SHARES DISCRETION VOTING AUTHORITY VALUE OR SOLE SHR OTHER SOLE SHARED NONE ISSUER AND TITLE OF CLASS CUSIP (THOUSANDS) PRINCIPAL (A) (B) (C) MANAGERS (A) (B) (C) BELLSOUTH CORP (BLS) 079860102 ~~132~~1,747 42,682 X 42,682 BELLSOUTH CORP (BLS) 079860102 133 3,260 X X 23,~~160~~060 ~~1,100~~200 BIOMET, INC (BMET) 090613100 23,~~529~~115 7278,~~268~~485 X 7242,~~268~~945 35,540 BRISTOL-MYERS SQUIBB CO (BMY) 110122108 1,~~154~~446 2019,~~062~~562 X 1819,~~730~~030 ~~1,332~~532 BRISTOL-MYERS SQUIBB CO (BMY) 110122108 7191 1,232 X X 1,232 CHASE MANHATTAN CORP NEW (CMB) 16161A108 ~~469~~477 10,~~148~~498 X 10,~~148~~498 CHASE MANHATTAN CORP NEW (CMB) 16161A108 14 300 X X 300 CHEVRON CORP (CHV) 166751107 ~~412~~451 45,~~836~~336 X 45,~~836~~336 CHEVRON CORP (CHV) 166751107 13 150 X X 150 CINCINNATI FINANCIAL CORP (CINF) 172062101 34,~~767~~161 ~~106~~105,~~121~~162 X 105,~~421~~162 ~~700~~ CINERGY CORP (CIN) 172474108 ~~707~~716 2120,379 X 2120,379 CINERGY CORP (CIN) 172474108 2628 800 X X 800 CISCO SYSTEMS INC (CSCO) 17275R102 ~~899~~684 1617,~~275~~875 X 1517,~~275~~875 ~~1,000 CISCO SYSTEMS INC (CSCO) 17275R102 11 200 X X 200~~ CITIGROUP INC (FORMERLY TRAVL GROUP) 172967101 ~~217~~231 4,~~012~~530 X 4,~~102~~530 COCA-COLA CORP (KO) 191216100 ~~313~~321 5,~~675~~275 X 4,400 ~~1,275~~875 COCA-COLA CORP (KO) 191216100 8391 1,500 X X 1,500 COLGATE-PALMOLIVE COMPANY (CL) 194162103 ~~569~~778 12,050 X 12,050 COMCAST CORP CL A SPL (CMCSK) 200300200 ~~430~~438 10,500 X 10,000 500 COMCAST CORP CL A SPL (CMCSK) 200300200 1415 350 X X 350 ~~COMERICA INC (CMA) 200340107 333 5,700 X 5,700~~ COMPUTER SCIENCES CORP (CSC) 205363104 ~~186~~247 24,~~500~~100 X 24,~~200~~100 ~~300~~ COMPUTER SCIENCES CORP (CSC) 205363104 1512 200 X X 200 ~~CONSOLIDATED FREIGHTWAYS CORP(CFWY) 209232107 62 12,400 X 12,400~~ CONVERGYS CORP 212485106 ~~249~~199 64,400 X 64,400 COM CONVERGYS CORP 212485106 ~~156~~181 4,000 X X 2,000 2,000 COM D P L INC COMMON (DPL) 233293109 524 15,783 X 15,783 D P L INC COMMON (DPL) 233293109 12 375 X X 375 ------- COLUMN TOTALS 1216,~~831~~125

REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 0912/3031/00 PAGE 3 - - - - - - - ITEM 1 AND 2 - - - - - - ITEM 3 - - - ITEM 4 - - -ITEM 5 - - - ITEM 6 - - - ITEM 7 - - - - - - ITEM 8 - - - - - - - INVESTMENT MARKET SHARES DISCRETION VOTING AUTHORITY VALUE OR SOLE SHR OTHER SOLE SHARED NONE ISSUER AND TITLE OF CLASS CUSIP (THOUSANDS) PRINCIPAL (A) (B) (C) MANAGERS (A) (B) (C) ~~D P L INC COMMON (DPL) 233293109 484 16,270 X 16,270 D P L INC COMMON (DPL) 233293109 11 375 X X 375~~ DISNEY (DIS) (FORMERLY DISNEY, 254687106 ~~413~~310 10,~~785~~700 X 10,~~785~~700 WALT) COM DISNEY (DIS) (FORMERLY DISNEY, 254687106 4333 1,125 X X 600 525 WALT) COM E I DUPONT DE NEMOURS & CO (DD) 263534109 ~~474~~467 119,~~600~~662 X 109,~~112~~362 ~~1,488~~300 E I DUPONT DE NEMOURS & CO (DD) 263534109 ~~163~~193 4,000 X X 1,200 2,800 DUFF & PHELPS SELECTED UTL (DNP) 264324104 124 11,839 X 11,839 DUKE ENERGY CO (DUK) 264399106 1,~~331~~100 1512,~~525~~900 X 1412,~~875~~600 ~~650~~300 (FORMERLY DUKE POWER) E M C CORP MASS COM 268648102 198 2,975 X 2,975 E M C CORP MASS COM 268648102 53 800 X X 800 EMERSON ELECTRIC CO (EMR) 291011104 ~~433~~466 65,~~464~~914 X 5,~~664~~914 ~~800~~ ENRON CORP (ENE) 293561106 ~~771~~732 8,800 X 8,800 UIT EQTY INV FD UNIT SELECT 10 29471Q309 27 26,747 X X 26,747 EXXON MOBIL CORP (XOM) 30231G102 3,~~676~~095 4135,~~256~~602 X 3835,~~722~~068 2,534 COM EXXON MOBIL CORP (XOM) 30231G102 ~~422~~403 4,~~734~~634 X X 4,~~734~~634 COM ~~FPL GROUP INC (FPL) 302571104 429 6,525 X 6,525~~ FEDERAL NATIONAL MORTGAGE ASSO (FNM) 313586109 ~~845~~858 119,~~819~~895 X 119,~~219~~895 ~~600~~ FEDERATED HIGH YIELD TR FD (38) 314197104 ~~150~~162 2024,~~183~~191 X 2024,~~183~~191 FEDERATED HIGH YIELD TR FD (38) 314197104 5853 7,870 X X 7,870 FEDERATED GVT ULTRASHORT FD IS (626) 31420B102 ~~381~~390 ~~192~~195,~~571~~755 X ~~192~~195,~~571~~755 (FRMLY FED SHRT-DUR GVT BD FD) FEDERATED GVT ULTRASHORT FD IS (626) 31420B102 5 2,~~689~~590 X X 2,~~689~~590 (FRMLY FED SHRT-DUR GVT BD FD) FEDERATED USGVT SECS: 2-5 YR (47) 31428P103 ~~490~~748 4669,~~514~~455 X 4568,~~067~~008 673 774 FEDERATED USGVT SECS: 2-5 YR ~~(192)~~ 31428P202 23 2,~~198~~145 X 2,~~198~~145 SVC(192) FEDERATED USGVT SECS: 2-5 YR ~~(192)~~ 31428P202 ~~389~~402 3637,~~992~~363 X X 3637,~~992~~363 SVC(192) FEDERATED TTL RETURN BND FD (328) 31428Q101 ~~155~~462 1544,~~269~~489 X 1540,~~269~~144 1,928 2,417 FEDERATED TTL RETURN BND FD (328) 31428Q101 1555 15,~~489~~338 X X 15,~~489~~338 FIDELITY ADVISOR INTERM BND FD (87) 315809103 2221 21,~~116~~976 X 21,~~116~~976 FIDELITY ADVISOR INTERM BND FD (87) 315809103 ~~101~~108 910,~~737~~253 X X 910,~~737~~253 ~~FIDELITY GNMA FUND (15) 31617K105 88 8,368 X 8,368~~ ------- COLUMN TOTALS 1110,~~372~~488

REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 0912/3031/00 PAGE 4 - - - - - - - ITEM 1 AND 2 - - - - - - ITEM 3 - - - ITEM 4 - - -ITEM 5 - - - ITEM 6 - - - ITEM 7 - - - - - - ITEM 8 - - - - - - - INVESTMENT MARKET SHARES DISCRETION VOTING AUTHORITY VALUE OR SOLE SHR OTHER SOLE SHARED NONE ISSUER AND TITLE OF CLASS CUSIP (THOUSANDS) PRINCIPAL (A) (B) (C) MANAGERS (A) (B) (C) FIDELITY GNMA FUND (15) 31617K105 6257 5,327 X 5,327 FIDELITY GNMA FUND (15) 31617K105 63 5,871 X X 5,871 FIFTH THIRD BANCORP (FITB) 316773100 1,~~319~~372 2422,~~479~~961 X 2422,~~479~~961 FIFTH THIRD BANCORP (FITB) 316773100 910 163 X X 163 FIRST UNION CORP (FTU) 337358105 ~~655~~677 2024,350 X 1923,650 700 FIRST UNION CORP (FTU) 337358105 1921 ~~575~~750 X X ~~575~~750 FORD MTR CO DEL (F) 345370860 ~~421~~358 1615,~~506~~282 X 15,~~506~~182 ~~1,000~~100 COM PAR $0.01 FORD MTR CO DEL (F) 345370860 5 200 X X 200 COM PAR $0.01 GENERAL ELECTRIC CO (GE) 369604103 54,~~943~~053 ~~102~~84,~~798~~547 X 9378,~~402~~451 900 85,~~496~~196 GENERAL ELECTRIC CO (GE) 369604103 ~~185~~135 32,~~208~~808 X X 2,~~608~~208 600 ~~GENERAL~~GENZYME ~~MTRS~~ CORP ~~CL H~~ (~~GMH~~GENZ) ~~370442832~~372917104 ~~173~~207 42,~~658~~300 X 42,~~658~~300 ~~GENERAL~~COM-GEN ~~MTRS~~DIV GENZYME CORP ~~CL H~~ (~~GMH~~GENZ) ~~370442832~~372917104 2822 ~~750~~250 X X ~~750~~250 COM-GEN DIV HEWLETT-PACKARD CO (HWP) 428236103 ~~873~~488 815,~~950~~450 X 815,~~350~~450 ~~600~~ HEWLETT-PACKARD CO (HWP) 428236103 3724 ~~375~~750 X X ~~125~~ 250 500 HIGHWOOD PPTYS INC (HIW) 431284108 ~~748~~907 3136,~~650~~475 X 3136,~~650~~475 HIGHWOOD PPTYS INC (HIW) 431284108 910 400 X X 400 HOME DEPOT INC (HD) 437076102 1,~~772~~559 3334,~~472~~122 X 3334,~~472~~122 ~~HONEYWELL~~HUNTINGTON ~~INTL~~BANCSHARES INC (~~HON~~HBAN) ~~438516106~~446150104 ~~487~~3,768 13232,~~678~~766 X 12232,~~878~~766 ~~800~~ILLINOIS ~~COM~~TOOL ~~HONEYWELL~~WKS ~~INTL~~ INC (~~HON~~ITW) ~~438516106~~452308109 12298 ~~350~~5,000 X X5,000 ~~350~~INTEL ~~COM~~CORP ~~HUNTINGTON BANCSHARES INC~~ (~~HBAN~~INTC) ~~446150104~~458140100 ~~3,511~~676 ~~239~~22,~~013~~470 X ~~239~~22,~~013~~470 AINTERNATIONAL XBUSINESS PMACHINES ~~OHIO~~(IBM) ~~TAX~~459200101 ~~EXEMPT~~999 ~~FUND 44947T704 111 21,628 X 21,628 A X P TAX EXEMPT BOND FUND 449482108 42~~ 11,~~040~~749 X 11,~~040~~549 ~~ILLINOIS~~200 ~~TOOL~~CORP ~~WKS~~INTERNATIONAL ~~INC~~PAPER COMPANY (~~ITW~~IP) ~~452308109~~460146103 ~~279~~346 58,~~000~~478 X 58,~~000~~478 ~~INTEL~~INTERNATIONAL ~~CORP~~PAPER COMPANY (~~INTC~~IP) ~~458140100~~460146103 ~~863~~5 ~~20,770~~123 X ~~19,370~~X ~~1,400~~123 ~~INTERNATIONAL~~JOHNSON ~~BUSINESS~~& ~~MACHINES~~JOHNSON CO (~~IBM~~JNJ) ~~459200101~~478160104 1,~~537~~884 1317,~~649~~936 X 1317,~~449~~400 ~~200~~536 ~~CORP~~JOHNSON ~~INTERNATIONAL~~& ~~PAPER~~JOHNSON ~~COMPANY~~CO (IPJNJ) ~~460146103~~478160104 ~~248~~87 ~~8,656~~828 X ~~8,656~~X 828 -------- COLUMN TOTALS 1918,~~348~~031

REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 0912/3031/00 PAGE 5 - - - - - - - ITEM 1 AND 2 - - - - - - ITEM 3 - - - ITEM 4 - - -ITEM 5 - - - ITEM 6 - - - ITEM 7 - - - - - - ITEM 8 - - - - - - - INVESTMENT MARKET SHARES DISCRETION VOTING AUTHORITY VALUE OR SOLE SHR OTHER SOLE SHARED NONE ISSUER AND TITLE OF CLASS CUSIP (THOUSANDS) PRINCIPAL (A) (B) (C) MANAGERS (A) (B) (C) INTERNATIONAL PAPER COMPANY (IP) 460146103 4 123 X X 123 INTERPUBLIC GROUP COS INC (IPG) 460690100 198 5,800 X 5,700 100 COM INTERPUBLIC GROUP COS INC (IPG) 460690100 14 400 X X 400 COM JOHNSON & JOHNSON CO (JNJ) 478160104 1,976 21,036 X 20,500 536 JOHNSON & JOHNSON CO (JNJ) 478160104 78 828 X X 828 JOHNSON CONTROLS INC (JCI) 478366107 284 5,350 X 5,350 KIMBERLY-CLARK CORP (KMB) 494368103 ~~419~~530 7,500 X 7,500 KROGER CO (KR) 501044101 ~~261~~258 119,550 X 119,550 KROGER CO (KR) 501044101 2327 1,000 X X 1,000 LUCENT TECHNOLOGIES INC (LU) 549463107 ~~902~~466 2935,~~569~~544 X 2834,~~469~~244 ~~1,100~~300 LUCENT TECHNOLOGIES INC (LU) 549463107 8843 23,~~876~~176 X X 2,~~384~~684 492 MBNA CORP (KRB) 55262L100 ~~584~~409 1511,~~175~~075 X 1511,~~175~~075 MCDONALD'S CORP (MCD) 580135101 ~~241~~271 7,975 X 7,975 MERCK & CO INC (MRK) 589331107 2,~~131~~184 2823,~~631~~331 X 2723,~~831~~131 ~~800~~200 MERCK & CO INC (MRK) 589331107 4556 600 X X 600 MERRILL LYNCH & CO INC COM (MER) 590188108 ~~426~~440 6,450 X 6,450 MERRILL LYNCH & CO INC COM (MER) 590188108 4244 640 X X 640 MICROSOFT CORP (MSFT) 594918104 ~~1,438~~991 2322,846 X 2322,~~146~~646 ~~700~~200 MICROSOFT CORP (MSFT) 594918104 7151 1,175 X X 375 800 MINNESOTA MINING & MFG (MMM) 604059105 ~~802~~530 84,~~800~~400 X 84,~~300~~400 ~~500~~ MINNESOTA MINING & MFG (MMM) 604059105 ~~100~~133 1,100 X X 1,000 100 MONEY MKT OBLIGS TR SH (092) 60934N229 ~~256~~125 ~~256~~124,~~079~~802 X X ~~256~~124,~~079~~802 FEDERATED PRIME VAL OBLG MMKT (856) 60934N575 2113 2012,~~863~~575 X X 2012,~~863~~575 FEDERATED AUTOMATED CASH MGMT (75) 60934N864 23 12,~~778~~661 X 12,~~778~~661 FEDERATED AUTOMATED CASH MGMT (75) 60934N864 1,008 1,~~007~~008,~~588~~185 X X 1,~~007~~008,~~588~~185 MORGAN STANLY DEAN WITTER & CO (MWD) 617446448 563 7,100 X 7,100 MOTOROLA INC (MOT) 620076109 261 12,875 X 12,375 500 NASDAQ 100 TR UNIT SER 1 (QQQ) 631100104 1,512 25,910 X 25,410 500 NOKIA CORP SPNRD ADR (NOK A) 654902204 448 10,300 X 10,300 ORACLE CORP (ORCL) 68389X105 407 14,000 X 14,000 ORACLE CORP (ORCL) 68389X105 23 800 X X 800 -------- COLUMN TOTALS 1110,~~414~~796

REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 0912/3031/00 PAGE 6 - - - - - - - ITEM 1 AND 2 - - - - - - ITEM 3 - - - ITEM 4 - - -ITEM 5 - - - ITEM 6 - - - ITEM 7 - - - - - - ITEM 8 - - - - - - - INVESTMENT MARKET SHARES DISCRETION VOTING AUTHORITY VALUE OR SOLE SHR OTHER SOLE SHARED NONE ISSUER AND TITLE OF CLASS CUSIP (THOUSANDS) PRINCIPAL (A) (B) (C) MANAGERS (A) (B) (C) MORGAN STANLY DEAN WITTER & CO (MWD) 617446448 544 5,950 X 5,950 MOTOROLA INC (MOT) 620076109 346 11,725 X 9,725 2,000 NASDAQ 100 TR UNIT SER 1 (QQQ) 631100104 2,384 26,845 X 26,345 500 NOKIA CORP SPNRD ADR (NOK A) 654902204 364 9,100 X 9,100 ORACLE CORP (ORCL) 68389X105 528 6,700 X 6,700 ORACLE CORP (ORCL) 68389X105 32 400 X X 400 ORTHODONTIC CTRS AMER INC (OCA) 68750P103 207 6,200 X 6,200 PEOPLES SAVINGS BANK OF TROY 712289107 9197 25,968 X X 25,968 PEPSICO INC (PEP) 713448108 ~~468~~512 10,~~175~~325 X 9,~~275~~475 900 PEPSICO INC (PEP) 713448108 5559 1,200 X X 1,200 PFIZER INC (PFE) 717081103 1,~~811~~744 4037,~~310~~910 X 37,910 ~~2,400~~ PROCTER & GAMBLE CO (PG) 742718109 12,~~917~~213 28,~~608~~208 X 27,~~772~~672 ~~836~~536 PROCTER & GAMBLE CO (PG) 742718109 ~~101~~118 1,500 X X 1,200 300 PNC TEMP (24) 743884579 891 891,~~445~~236 X 891,~~445~~236 PNC TEMP (24) 743884579 2223 22,~~258~~906 X X 22,~~258~~906 QUALCOMM INC (QCOM) 747525103 ~~372~~429 5,225 X 5,225 QWEST COMMUNICATIONS INTL INC (Q) 749121109 ~~338~~287 7,025 X 6,725 300 QWEST COMMUNICATIONS INTL INC (Q) 749121109 4942 1,022 X X 1,022 SBC COMMUNICATIONS (SBC) 78387G103 1,~~952~~866 39,~~146~~070 X 39,~~118~~042 28 SBC COMMUNICATIONS (SBC) 78387G103 ~~276~~264 5,526 X X 4,580 946 SCANA CORP NEW (SCG I) (FORMERLY 80589M102 ~~402~~385 13,025 X 13,025 SCANA CORP) SCANA CORP NEW (SCG 1I) (FORMERLY 80589M102 15 500 X X 500 SCANA CORP) SCHERING-PLOUGH CORP (SGP) 806605101 ~~228~~261 4,~~900~~600 X 4,~~900~~600 SECURITY BANC CORPORATION (STYB) 813767100 1822,~~577~~200 1975,~~004,185~~812 X ~~969~~941,~~174~~401 3534,~~011~~411 SECURITY BANC CORPORATION (STYB) 813767100 912,~~650~~092 ~~521~~531,~~596~~531 X X ~~509~~519,~~756~~652 11,~~840~~879 SMITHKLINE BCHM PLC ADR 5A ORD (SBH) 832378301 466 7,500 X 7,500 SOUTHERN CO (SO) 842587107 735 22,102 X 22,102 SOUTHERN CO (SO) 842587107 13 400 X X 400 SOUTHWEST AIRLINES (LUV) 844741108 506 15,087 X 15,087 SUN LIFE FINL SVCS CDA INC 866796105 232 8,706 X 8,706 COM SUN MICROSYSTEMS (SUNW) 866810104 663 23,800 X 23,600 200 SUN MICROSYSTEMS (SUNW) 866810104 33 1,200 X X 1,200 -------- COLUMN TOTALS 4146,~~620~~146

REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 0912/3031/00 PAGE 7 -------------- ITEM 1 AND 2------------ITEM 3--------ITEM 4---------ITEM 5--------ITEM 6--------ITEM 7---------------ITEM 8--------- INVESTMENT MARKET SHARES DISCRETION VOTING AUTHORITY VALUE OR SOLE SHR OTHER SOLE SHARED NONE ISSUER AND TITLE OF CLASS CUSIP (THOUSANDS) PRINCIPAL (A) (B) (C) MANAGERS (A) (B) (C) SMITHKLINE BCHM PLC ADR 5A ORD (SBH) 832378301 515 7,500 X 7,500 SOUTHERN CO (SO) 842587107 738 22,752 X 22,752 SOUTHERN CO (SO) 842587107 18 550 X X 550 SOUTHWEST AIRLINES (LUV) 844741108 378 15,567 X 15,567 SUN MICROSYSTEMS (SUNW) 866810104 1,191 10,200 X 10,200 SUN MICROSYSTEMS (SUNW) 866810104 70 600 X X 600 TEXACO INC (TX) 881694103 ~~343~~412 6,~~537~~632 X 6,~~537~~632 TEXACO INC (TX) 881694103 5060 960 X X 960 TEXAS INSTRS INC (TXN) 882508104 ~~263~~237 5,~~550~~000 X 54,~~300~~750 250 UNITED TECHNOLOGIES CORP (UTX) 913017109 ~~569~~500 86,~~205~~355 X 86,205 150 UNITED TECHNOLOGIES CORP (UTX) 913017109 16 200 X X 200 VERIZON COMMUNICATIONS 92343V104 1,~~211~~009 2520,~~003~~123 X 2520,~~003~~123 COM VERIZON COMMUNICATIONS 92343V104 ~~149~~154 3,076 X X 2,876 200 COM VODAFONE GROUP PLC NEW (VOD) 92857W100 ~~261~~252 7,045 X 7,045 (FORMERLY VODAFONE AIRTOUCH) VODAFONE GROUP PLC NEW (VOD) 92857W100 1918 500 X X 500 (FORMERLY VODAFONE AIRTOUCH) WAL-MART STORES INC (WMT) 931142103 ~~996~~1,047 2019,700 X 2019,700 WAL-MART STORES INC (WMT) 931142103 4549 925 X X 325 600 WELLS FARGO & CO NEW (WFC) 949746101 ~~328~~342 76,150 X 6,~~350~~150 ~~800~~ (FORMERLY NORWEST) WESTERN OHIO FINANCIAL CORP (WOFC) 959024100 7852 53,~~203~~037 X 53,~~203~~037 WESTERN OHIO FINANCIAL CORP (WOFC) 959024100 ~~269~~309 18,000 X X 18,000 THE WILLIAMS COMPANIES, INC (WMB) 969457100 ~~574~~532 13,~~575~~325 X 13,~~275~~025 300 THE WILLIAMS COMPANIES, INC (WMB) 969457100 1716 400 X X 400 WORLDCOM INC GA NEW (WCOM) (FORMERLY 98157D106 ~~584~~214 1915,~~232~~213 X 1915,~~045~~026 187 MCI WORLDCOM) ~~WORLDCOM INC GA NEW (WCOM) (FORMERLY 98157D106 12 400 X X 400 MCI WORLDCOM)~~ XCEL ENERGY INC (~~XCEL~~XEL) (FORMERLY 98389B100 ~~256~~267 9,~~322~~181 X 9,~~322~~181 NORTHERN STS POWER) XCEL ENERGY INC (~~XCEL~~XEL) (FORMERLY 98389B100 1516 550 X X 550 NORTHERN STS POWER) --------- COLUMN TOTALS 85,~~949~~502 FINAL TOTALS 116,045

REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 09/30/00 PAGE 8 - - - - - - - ITEM 1 AND 2 - - - - - - ITEM 3 - - - ITEM 4 - - -ITEM 5 - - - ITEM 6 - - - ITEM 7 - - - - - - ITEM 8 - - - - - - - INVESTMENT MARKET SHARES DISCRETION VOTING AUTHORITY VALUE OR SOLE SHR OTHER SOLE SHARED NONE ISSUER AND TITLE OF CLASS CUSIP (THOUSANDS) PRINCIPAL (A) (B) (C) MANAGERS (A) (B) (C) -------- COLUMN TOTALS FINAL TOTALS 117,789

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