13F-HR 1 l87543ae13f-hr.txt SECURITY 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: March 31, 2001 ---------------------------------- 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 April 3, 2001 ---------------------------------------- ------------------------------- 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: 168 Form 13F Information Table Value Total: $111,934 (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 1203/31/0001 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 SULLIVAN AND CO 3RD PROGRAM I, LLC SULLIVAN7 343 343,000 X 343,000 THORNHILL LIMITED PARTNERSHIP THORN00l0 ~~315~~323 477 X 477 (CERTIFICATE OF ASSIGNMENT) AT & T CORP (T) 001957109 ~~549~~571 3126,~~836~~803 X 3125,~~197~~964 ~~639~~839 AT & T CORP (T) 001957109 6168 3,~~549~~173 X X 32,~~324~~948 225 AXP SPL TAX EXEMPT SER TR 00246A812 ~~114~~115 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 ~~687~~669 14,175 X 14,175 ABBOTT LABORATORIES (ABT) 002824100 19 400 X X 400 AIR PRODUCTS & CHEMICALS INC (APD) 009158106 ~~314~~294 7,650 X 7,650 AIR PRODUCTS & CHEMICALS INC (APD) 009158106 1413 350 X X 350 AMERICAN ELECTRIC POWER CO (AEP) 025537101 ~~343~~324 76,~~374~~899 X 76,~~374~~899 AMERICAN ELECTRIC POWER CO (AEP) 025537101 9 200 X X 200 AMERICAN EXPRESS CO (AXP) 025816109 ~~715~~819 1319,~~020~~820 X 1319,~~020~~520 300 AMERICAN HOME PRODUCTS CORP (AHP) 026609107 ~~702~~543 119,~~050~~250 X 119,~~050~~250 AMERICAN INTL GRP (AIG) 026874107 ~~613~~818 610,~~221~~164 X 610,~~221~~164 AMERICAN INTL GRP (AIG) 026874107 3730 375 X X 375 BP AMOCO P L C (BPA)(FORMERLY AMOCO) 055622104 1,~~247~~232 2624,~~038~~824 X 2423,~~510~~296 1,528 ADR SPONSORED BP AMOCO P L C (BPA)(FORMERLY AMOCO) 055622104 4648 968 X X 968 ADR SPONSORED BANK ~~OF AMER CORP (BAC) (FORMERLY 060505104 222 4,842 X 4,842 BANKAMERICA CORP NEW) BANK~~ ONE CORP (ONE) (FORMERLY FIRST 06423A103 ~~1,244~~604 3316,~~973~~687 X 3316,~~973~~687 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 ~~312~~290 1211,~~435~~250 X 1211,~~435~~250 (BCB P) BARCLAYS BANK PLC CONV PFD 8% SER E 06738C836 2627 1,050 X X 1,050 (BCB P) BAXTER INTERNATIONAL INC (BAX) 071813109 ~~395~~421 4,475 X 4,475 BELLSOUTH CORP (BLS) 079860102 1,591 38,876 X 38,876 ------- COLUMN TOTALS 89,~~957~~801

REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 1203/31/0001 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 ~~1,747~~119 422,~~682~~900 X ~~42,682 BELLSOUTH CORP (BLS) 079860102 133 3,260~~ X ~~X 3~~2,~~060~~700 200 BIOMET, INC (BMET) 090613100 3,~~115~~029 7876,~~485~~891 X 4276,~~945~~891 ~~35,540~~ BRISTOL-MYERS SQUIBB CO (BMY) 110122108 1,~~446~~075 1918,~~562~~096 X 1917,~~030~~564 532 BRISTOL-MYERS SQUIBB CO (BMY) 110122108 9173 1,232 X X 1,232 ~~CHASE MANHATTAN CORP NEW (CMB) 16161A108 477 10,498 X 10,498 CHASE MANHATTAN CORP NEW (CMB) 16161A108 14 300 X X 300~~ CHEVRON CORP (CHV) 166751107 ~~451~~460 5,~~336~~244 X 5,~~336~~244 CHEVRON CORP (CHV) 166751107 13 150 X X 150 CINCINNATI FINANCIAL CORP (CINF) 172062101 43,~~161~~915 ~~105~~103,~~162~~197 X ~~105~~103,~~162~~197 CINERGY CORP (CIN) 172474108 ~~716~~651 2019,~~379~~404 X 2019,~~379~~404 CINERGY CORP (CIN) 172474108 2827 800 X X 800 CISCO SYSTEMS INC (CSCO) 17275R102 ~~684~~356 1722,~~875~~525 X 1722,~~875~~500 25 CITIGROUP INC (FORMERLY TRAVL GROUP) 172967101 ~~231~~204 4,530 X 4,530 COCA-COLA CORP (KO) 191216100 ~~321~~544 512,~~275~~042 X 410,~~400~~867 ~~875~~1,175 COCA-COLA CORP (KO) 191216100 9168 1,500 X X 1,500 COLGATE-PALMOLIVE COMPANY (CL) 194162103 ~~778~~786 1214,~~050~~225 X 1213,~~050~~925 ~~COMCAST~~300 ~~CORP~~COLGATE-PALMOLIVE COMPANY (CL) A194162103 ~~SPL~~23 ~~(CMCSK)~~425 ~~200300200~~X ~~438~~X 10425 CONVERGYS CORP 212485106 159 4,~~500~~400 X 104,~~000~~400 ~~500~~COM ~~COMCAST~~CONVERGYS CORP CL212485106 A144 ~~SPL~~4,000 ~~(CMCSK)~~X ~~200300200~~X 152,000 ~~350~~2,000 XCOM XD ~~350~~P ~~COMPUTER~~L ~~SCIENCES~~INC ~~CORP~~COMMON (~~CSC~~DPL) ~~205363104~~233293109 ~~247~~463 416,~~100~~483 X 415,~~100~~983 ~~COMPUTER~~500 ~~SCIENCES~~D ~~CORP~~P L INC COMMON (~~CSC~~DPL) ~~205363104~~233293109 1211 ~~200~~375 X X ~~200~~375 ~~CONVERGYS~~DISNEY ~~CORP~~(DIS) ~~212485106~~(FORMERLY ~~199~~DISNEY, 4254687106 309 10,~~400~~800 X 410,~~400~~800 WALT) COM ~~CONVERGYS~~DISNEY ~~CORP~~(DIS) ~~212485106~~(FORMERLY ~~181~~DISNEY, 4254687106 32 1,~~000~~125 X X 2600 525 WALT) COM E I DUPONT DE NEMOURS & CO (DD) 263534109 350 8,~~000~~600 2X 8,~~000~~300 ~~COM~~300 DE PI LDUPONT ~~INC~~DE ~~COMMON~~NEMOURS & CO (~~DPL~~DD) ~~233293109~~263534109 ~~524~~126 153,~~783~~100 X 15X 300 2,~~783~~800 DDUFF P& LPHELPS ~~INC~~SELECTED ~~COMMON~~UTL (~~DPL~~DNP) ~~233293109~~264324104 126 12,039 ~~375~~ X 12,039 DUKE ENERGY CO (DUK) 264399106 1,178 27,566 X ~~375~~26,966 600 (FORMERLY DUKE POWER) ------- COLUMN TOTALS 1614,~~125~~241

REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 1203/31/0001 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) ~~DISNEY~~EL ~~(DIS)~~PASO ~~(FORMERLY~~CORP ~~DISNEY, 254687106 310 10,700 X 10,700 WALT) COM DISNEY~~ (~~DIS~~EPG) (FORMERLY ~~DISNEY,~~EL ~~254687106~~PASO 3328336L109 ~~1,125~~317 ~~X X 600 525 WALT) COM E I DUPONT DE NEMOURS & CO (DD) 263534109 467 9~~4,~~662~~852 X 94,~~362~~552 300 ~~E I DUPONT DE NEMOURS & CO (DD) 263534109 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~~CORP) ~~264399106 1,100 12,900 X 12,600 300 (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 ~~466~~598 59,~~914~~650 X 59,~~914~~650 ENRON CORP (ENE) 293561106 ~~732~~465 8,~~800~~000 X 8,~~800~~000 UIT EQTY INV FD UNIT SELECT 10 29471Q309 2732 26,747 X X 26,747 EXXON MOBIL CORP (XOM) 30231G102 3,~~095~~009 3537,~~602~~143 X 3536,~~068~~409 ~~534~~734 COM EXXON MOBIL CORP (XOM) 30231G102 ~~403~~92 41,~~634~~134 X X 41,~~634~~134 COM FEDERAL NATIONAL MORTGAGE ASSO (FNM) 313586109 ~~858~~835 910,~~895~~495 X 910,~~895~~495 FEDERATED HIGH YIELD TR FD (38) 314197104 ~~162~~169 2425,~~191~~149 X 2425,~~191~~149 FEDERATED HIGH YIELD TR FD (38) 314197104 53 7,870 X X 7,870 FEDERATED GVT ULTRASHORT FD IS (626) 31420B102 ~~390~~349 ~~195~~175,~~755~~216 X ~~195~~175,~~755~~216 (FRMLY FED SHRT-DUR GVT BD FD) FEDERATED GVT ULTRASHORT FD IS (626) 31420B102 54 2,~~590~~242 X X 2,~~590~~242 (FRMLY FED SHRT-DUR GVT BD FD) FEDERATED USGVT SECS: 2-5 YR (47) 31428P103 ~~748~~1,278 69116,~~455~~680 X 68113,~~008~~394 ~~673~~2,512 774 FEDERATED USGVT SECS: 2-5 YR 31428P202 2378 27,~~145~~100 X 27,~~145~~100 SVC(192) FEDERATED USGVT SECS: 2-5 YR 31428P202 ~~402~~346 3731,~~363~~554 X X 3731,~~363~~554 SVC(192) FEDERATED TTL RETURN BND FD (328) 31428Q101 ~~462~~1,164 44110,~~489~~412 X 40108,~~144~~008 ~~1,928~~ 2,~~417~~404 FEDERATED TTL RETURN BND FD (328) 31428Q101 55115 510,~~338~~895 X X 510,~~338~~895 FIDELITY ADVISOR INTERM BND FD (87) 315809103 21 1,~~976~~979 X 1,~~976~~979 FIDELITY ADVISOR INTERM BND FD (87) 315809103 ~~108~~98 109,~~253~~125 X X 109,~~253~~125 FIDELITY GNMA FUND (15) 31617K105 77 7,137 X 7,137 FIDELITY GNMA FUND (15) 31617K105 64 5,871 X X 5,871 FIFTH THIRD BANCORP (FITB) 316773100 1,174 21,961 X 17,618 4,343 FIFTH THIRD BANCORP (FITB) 316773100 9 163 X X 163 FIRST UNION CORP (FTU) 337358105 818 24,800 X 24,050 750 FIRST UNION CORP (FTU) 337358105 15 450 X X 450 FORD MTR CO DEL (F) 345370860 480 17,057 X 16,582 475 COM PAR $0.01 ------- COLUMN TOTALS 1011,~~488~~660

REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 1203/31/0001 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 57 5,327 X 5,327 FIDELITY GNMA FUND (15) 31617K105 63 5,871 X X 5,871 FIFTH THIRD BANCORP (FITB) 316773100 1,372 22,961 X 22,961 FIFTH THIRD BANCORP (FITB) 316773100 10 163 X X 163 FIRST UNION CORP (FTU) 337358105 677 24,350 X 23,650 700 FIRST UNION CORP (FTU) 337358105 21 750 X X 750 FORD MTR CO DEL (F) 345370860 ~~358~~6 ~~15,282~~200 X ~~15,182~~X ~~100~~200 COM PAR $0.01 ~~FORD~~GENENTECH ~~MTR~~INC ~~CO DEL~~ (FDNA) ~~345370860~~368710406 5242 ~~200~~4,800 X X4,500 ~~200~~300 ~~COM PAR $0.01~~ GENERAL ELECTRIC CO (GE) 369604103 43,~~053~~434 8482,~~547~~046 X 7875,~~451~~650 900 5,~~196~~496 GENERAL ELECTRIC CO (GE) 369604103 ~~135~~140 23,~~808~~333 X X 2,~~208~~733 600 GENZYME CORP (GENZ) 372917104 ~~207~~298 23,300 X 23,300 COM-GEN DIV GENZYME CORP (GENZ) 372917104 2223 250 X X 250 COM-GEN DIV GLAXO SMITHKLINE PLC (GSK) 37733W105 457 8,735 X 8,735 HEWLETT-PACKARD CO (HWP) 428236103 ~~488~~527 1516,~~450~~850 X 1516,~~450~~850 HEWLETT-PACKARD CO (HWP) 428236103 2423 750 X X 250 500 HIGHWOOD PPTYS INC (HIW) 431284108 ~~907~~990 3640,~~475~~174 X 3639,~~475~~574 600 HIGHWOOD PPTYS INC (HIW) 431284108 10 400 X X 400 HOME DEPOT INC (HD) 437076102 1,559 3436,~~122~~172 X 3435,~~122~~922 250 HOME DEPOT INC (HD) 437076102 24 550 X X 550 HUNTINGTON BANCSHARES INC (HBAN) 446150104 3,~~768~~320 232,~~766~~966 X 232,~~766~~966 ILLINOIS TOOL WKS INC (ITW) 452308109 ~~298~~284 5,000 X 5,000 INTEL CORP (INTC) 458140100 ~~676~~639 2224,~~470~~270 X 2224,~~470~~270 INTERNATIONAL BUSINESS MACHINES (IBM) 459200101 ~~999~~637 116,~~749~~625 X 116,~~549~~625 ~~200~~ CORP INTERNATIONAL PAPER COMPANY (IP) 460146103 ~~346~~320 8,~~478~~878 X 8,478 400 INTERNATIONAL PAPER COMPANY (IP) 460146103 54 123 X X 123 J P MORGAN CHASE & CO (JPM) 46625H100 580 12,920 X 12,870 50 JOHNSON & JOHNSON CO (JNJ) 478160104 1,~~884~~652 1718,~~936~~892 X 1718,~~400~~356 536 JOHNSON & JOHNSON CO (JNJ) 478160104 8772 828 X X 828 KIMBERLY-CLARK CORP (KMB) 494368103 509 7,500 X 7,500 KROGER CO (KR) 501044101 270 10,450 X 10,300 150 KROGER CO (KR) 501044101 3 100 X X 100 -------- COLUMN TOTALS 1816,~~031~~023

REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 1203/31/0001 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) ~~KIMBERLY-CLARK CORP (KMB) 494368103 530 7,500 X 7,500 KROGER CO (KR) 501044101 258 9,550 X 9,550 KROGER CO (KR) 501044101 27 1,000 X X 1,000~~ LUCENT TECHNOLOGIES INC (LU) 549463107 ~~466~~340 3534,~~544~~126 X 3433,~~244~~026 ~~300~~1,100 LUCENT TECHNOLOGIES INC (LU) 549463107 4323 32,~~176~~320 X X 21,~~684~~828 492 MBNA CORP (KRB) 55262L100 ~~409~~367 11,075 X 11,075 MCDONALD'S CORP (MCD) 580135101 ~~271~~209 7,~~975~~875 X 7,~~975~~875 MERCK & CO INC (MRK) 589331107 21,~~184~~597 2321,~~331~~042 X 2320,~~131~~787 ~~200~~255 MERCK & CO INC (MRK) 589331107 5646 600 X X 600 MERRILL LYNCH & CO INC COM (MER) 590188108 ~~440~~357 6,450 X 6,450 MERRILL LYNCH & CO INC COM (MER) 590188108 4435 640 X X 640 MICROSOFT CORP (MSFT) 594918104 ~~991~~1,277 2223,~~846~~346 X 2223,~~646~~046 ~~200~~300 MICROSOFT CORP (MSFT) 594918104 5164 1,175 X X 375 800 MINNESOTA MINING & MFG (MMM) 604059105 ~~530~~436 4,~~400~~200 X 4,~~400~~200 MINNESOTA MINING & MFG (MMM) 604059105 ~~133~~31 ~~1,100~~300 X X ~~1,000~~200 100 MONEY MKT OBLIGS TR SH (092) 60934N229 ~~125~~46 ~~124~~45,~~802~~933 X X ~~124~~45,~~802~~933 FEDERATED PRIME VAL OBLG MMKT (856) 60934N575 1322 1222,~~575~~150 X X 1222,~~575~~150 FEDERATED AUTOMATED CASH MGMT (75) 60934N864 337 237,~~661~~386 X 237,~~661~~386 FEDERATED AUTOMATED CASH MGMT (75) 60934N864 1,~~008~~141 1,~~008~~141,~~185~~464 X X 1,~~008~~141,~~185~~464 MORGAN STANLY DEAN WITTER & CO (MWD) 617446448 ~~563~~301 75,~~100~~630 X 75,~~100~~630 MOTOROLA INC (MOT) 620076109 ~~261~~184 12,875 X 12,~~375~~875 ~~500~~ NASDAQ 100 TR UNIT SER 1 (QQQ) 631100104 ~~1,512~~999 25,~~910~~514 X 25,~~410~~014 500 NOKIA CORP SPNRD ADR (NOK A) 654902204 ~~448~~310 1012,~~300~~900 X 1012,~~300~~900 NORTEL NETWORKS COORP NEW (NT)(FORMER 656568102 243 17,277 X 16,677 600 NORTEL NETWORKS CORP) ORACLE CORP (ORCL) 68389X105 ~~407~~225 1415,000 X 1415,000 ORACLE CORP (ORCL) 68389X105 6 400 X X 400 PARK NATIONAL CORP (PRK) 700658107 23,754 ~~800~~273,781 X 273,781 PARK NATIONAL CORP (PRK) 700658107 13,115 151,181 X ~~800~~X 61,757 89,424 -------- COLUMN TOTALS 1045,~~796~~165

REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 1203/31/0001 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) PEOPLES SAVINGS BANK OF TROY 712289107 9783 25,968 X X 25,968 PEPSICO INC (PEP) 713448108 ~~512~~384 108,~~325~~742 X 97,~~475~~842 900 PEPSICO INC (PEP) 713448108 5953 1,200 X X 1,200 PFIZER INC (PFE) 717081103 1,~~744~~622 3739,~~910~~618 X 3739,~~910~~268 350 PFIZER INC (PFE) 717081103 8 200 X X 200 PROCTER & GAMBLE CO (PG) 742718109 21,~~213~~784 28,~~208~~491 X 27,~~672~~955 536 PROCTER & GAMBLE CO (PG) 742718109 ~~118~~94 1,500 X X 1,200 300 PNC TEMP (24) 743884579 ~~891~~892 891,~~236~~655 X 891,~~236~~655 PNC TEMP (24) 743884579 2320 2219,~~906~~617 X X 2219,~~906~~617 QUALCOMM INC (QCOM) 747525103 ~~429~~276 54,~~225~~875 X 54,~~225~~875 QWEST COMMUNICATIONS INTL INC (Q) 749121109 ~~287~~235 76,~~025~~715 X 6,~~725~~415 300 QWEST COMMUNICATIONS INTL INC (Q) 749121109 4231 ~~1,022~~881 X X ~~1,022~~881 SBC COMMUNICATIONS (SBC) 78387G103 1,~~866~~361 3930,~~070~~485 X 3930,~~042~~457 28 SBC COMMUNICATIONS (SBC) 78387G103 ~~264~~217 54,~~526~~855 X X 43,~~580~~909 946 SCANA CORP NEW (SCG I) (FORMERLY 80589M102 ~~385~~340 1312,~~025~~525 X 1312,~~025~~525 SCANA CORP) SCANA CORP NEW (SCG I) (FORMERLY 80589M102 1514 500 X X 500 SCANA CORP) SCHERING-PLOUGH CORP (SGP) 806605101 ~~261~~399 410,~~600~~917 X 410,~~600~~617 ~~SECURITY~~SCHERING-PLOUGH ~~BANC~~CORP ~~CORPORATION~~ (~~STYB~~SGP) ~~813767100~~806605101 ~~22,200~~18 ~~975,812~~500 X ~~941,401 34,411 SECURITY BANC CORPORATION (STYB) 813767100 12,092 531,531~~ X ~~X 519,652 11,879 SMITHKLINE BCHM PLC ADR 5A ORD (SBH) 832378301 466 7,~~500 ~~X 7,500~~ SOUTHERN CO (SO) 842587107 ~~735~~726 2220,~~102~~698 X 2220,~~102~~698 SOUTHERN CO (SO) 842587107 1314 400 X X 400 SOUTHWEST AIRLINES (LUV) 844741108 ~~506~~388 1521,~~087~~842 X 1521,~~087~~842 SUN ~~LIFE~~MICROSYSTEMS ~~FINL~~(SUNW) ~~SVCS~~866810104 ~~CDA~~439 ~~INC 866796105 232 8~~28,~~706~~575 X 827,~~706~~975 ~~COM~~600 SUN MICROSYSTEMS (SUNW) 866810104 ~~663~~18 231,~~800~~200 X ~~23,600~~X 1,200 ~~SUN~~TEXACO ~~MICROSYSTEMS~~INC (~~SUNW~~TX) ~~866810104~~881694103 33434 16,~~200~~537 X 6,537 TEXACO INC (TX) 881694103 64 960 X ~~1,200~~X 960 -------- COLUMN TOTALS 469,~~146~~914

REPORT PTR285 1Y SECURITY NATIONAL BANK & TRUST CO SECURITIES AND EXCHANGE COMMISSION FORM 13-F 1203/31/0001 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) ~~TEXACO~~TYCO ~~INC~~INTL LTD NEW (TXTYC) ~~881694103~~902124106 ~~412~~290 6,~~632~~700 X 6,~~632~~500 ~~TEXACO~~200 ~~INC~~COM ~~(TX)~~TYCO ~~881694103~~INTL 60LTD ~~960~~NEW ~~X X 960 TEXAS INSTRS INC~~ (~~TXN~~TYC) ~~882508104~~902124106 ~~237~~9 ~~5,000~~200 X ~~4,750~~X ~~250~~200 COM UNITED TECHNOLOGIES CORP (UTX) 913017109 ~~500~~596 68,~~355~~130 X 67,~~205~~980 150 UNITED TECHNOLOGIES CORP (UTX) 913017109 1615 200 X X 200 VERIZON COMMUNICATIONS 92343V104 ~~1,009~~832 2016,~~123~~884 X 2016,~~123~~884 COM VERIZON COMMUNICATIONS 92343V104 ~~154~~138 32,~~076~~794 X X 2,~~876~~594 200 COM ~~VODAFONE~~WAL-MART ~~GROUP~~STORES ~~PLC~~INC ~~NEW~~ (~~VOD~~WMT) ~~92857W100~~931142103 ~~252~~1,028 720,~~045~~350 X 720,~~045~~350 ~~(FORMERLY~~WAL-MART ~~VODAFONE~~STORES ~~AIRTOUCH)~~INC ~~VODAFONE GROUP PLC NEW~~ (~~VOD~~WMT) ~~92857W100~~931142103 1847 ~~500~~925 X X ~~500~~325 ~~(FORMERLY~~600 ~~VODAFONE~~WELLPOINT ~~AIRTOUCH)~~HEALTH ~~WAL-MART~~NTWRKS ~~STORES~~NEW ~~INC~~ (~~WMT~~WLP) ~~931142103~~94973H108 ~~1,047~~400 194,~~700~~200 X 194,~~700~~000 ~~WAL-MART~~200 ~~STORES~~WELLPOINT ~~INC~~HEALTH NTWRKS NEW (~~WMT~~WLP) ~~931142103~~94973H108 4919 ~~925~~200 X X ~~325~~200 ~~600~~ WELLS FARGO & CO NEW (WFC) 949746101 ~~342~~203 64,~~150~~100 X 64,~~150~~100 (FORMERLY NORWEST) WESTERN OHIO FINANCIAL CORP (WOFC) 959024100 5277 34,~~037~~188 X 34,~~037~~188 WESTERN OHIO FINANCIAL CORP (WOFC) 959024100 ~~309~~284 1815,~~000~~500 X X 1815,~~000~~500 THE WILLIAMS COMPANIES, INC (WMB) 969457100 ~~532~~526 1312,~~325~~274 X 1311,~~025~~974 300 THE WILLIAMS COMPANIES, INC (WMB) 969457100 1617 400 X X 400 WORLDCOM INC GA NEW (WCOM) (FORMERLY 98157D106 ~~214~~356 1519,~~213~~039 X 1518,~~026~~239 ~~187~~800 MCI WORLDCOM) XCEL ENERGY INC (XEL) (FORMERLY 98389B100 ~~267~~276 9,181 X 9,181 NORTHERN STS POWER) XCEL ENERGY INC (XEL) (FORMERLY 98389B100 1617 550 X X 550 NORTHERN STS POWER) --------- COLUMN TOTALS 5,~~502~~130 FINAL TOTALS ~~116~~111,~~045~~934

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