TABLE A-9
                                 15 LARGEST OTS TRUST INSTITUTIONS, BY TOTAL DISCRETIONARY ASSETS
                                                        DECEMBER 31, 1999
                                                  (DOLLAR AMOUNTS IN THOUSANDS)
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                                   -------TRUSTS AND ESTATES-------  ------AGENCIES------- TOTAL         TOTAL NON-           TOTAL
                                   EMPLOYEE    PERSONAL     ESTATES    EMPLOYEE     ALL    DISCRETIONARY DISCRETIONARY        ASSETS
SEQ NAME OF INSTITUTION             BENEFIT      TRUSTS                BENEFIT      OTHERS ASSETS        ASSETS
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  1 J. P. MORGAN FSB                      0   1,466,383      81,870           0  4,152,575     5,700,828    11,175,547    16,876,375
    PALM BEACH, FL
  2 U.S. TRUST COMPANY OF FLORI     182,675   2,261,758      17,898          83  1,755,681     4,218,095     1,446,024     5,664,119
    PALM BEACH, FL
  3 WILMINGTON TRUST FSB             62,364     299,545       3,445           0  1,377,124     1,742,478       709,359     2,451,837
    SALISBURY, MD
  4 FIRST AMERICAN TRUST, FSB       499,618     491,381       7,901       5,239    475,515     1,479,654       495,321     1,974,975
    SANTA ANA, CA
  5 MERRILL LYNCH TRUST COMPANY           0     669,855       1,061      42,635    424,980     1,138,531    18,359,620    19,498,151
    SOMERSET, NJ
  6 NORTHERN TRUST BANK, FEDERA      62,441      53,500           0           0    695,094       811,035       287,739     1,098,774
    BLOOMFIELD HILLS, MI
  7 MORGAN STANLEY DEAN WITTER            0     624,829           0           0      1,933       626,762     2,547,097     3,173,859
    JERSEY CITY, NJ
  8 PNC BANK, FSB                    91,798     242,782       2,965       6,519    208,790       552,854       712,505     1,265,359
    PITTSBURGH, PA
  9 TIAA-CREF TRUST COMPANY, FS           0     120,658           0      55,816    273,115       449,589       110,681       560,270
    ST. LOUIS, MO
 10 USAA FEDERAL SAVINGS BANK        16,172     266,643       1,122           0    133,723       417,660        49,197       466,857
    SAN ANTONIO, TX
 11 HOME FEDERAL BANK OF TENNES      96,824     116,897       7,267           0    132,903       353,891       143,007       496,898
    KNOXVILLE, TN
 12 FIRST INDIANA BANK                5,674      97,418       2,131           0    246,449       351,672        61,169       412,841
    INDIANAPOLIS, IN
 13 BOONE NATIONAL SAVINGS AND        9,423     228,055       3,534       8,588     32,685       282,285        73,493       355,778
    COLUMBIA, MO
 14 UNION FEDERAL SAVINGS BANK        9,326      89,312       1,206         507    134,237       234,588       955,449     1,190,037
    INDIANAPOLIS, IN
 15 FAMILY BANK, FSB                  9,161      97,661         523      19,261    104,098       230,704       154,761       385,465
    HAVERHILL, MA