TOMPKINS TRUSTCO INC
13F-HR, 2000-08-02
STATE COMMERCIAL BANKS
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<TABLE>
<CAPTION>

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER      TITLE OF CLASS       CUSIP    (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------  ------------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S>                         <C>                  <C>            <C>     <C>          <C>     <C>            <C>        <C>      <C>
DAIMLERCHRYSLER AG          ORD                 D1668R123       29      559 SH       SOLE                      559        0        0
GLOBAL CROSSING LTD         COM                 G3921A100      107     4089 SH       SOLE                     4014        0       75
HILFIGER TOMMY CORP         ORD                 G8915Z102        9     1200 SH       SOLE                     1200        0        0
TRANSOCEAN SEDCO FOREX INC  ORD                 G90078109       29      560 SH       SOLE                      560        0        0
TRANSOCEAN SEDCO FOREX INC  ORD                 G90078109       58     1100 SH       DEFINED                  1100        0        0
A D C TELECOMMUNICATIONS    COM                 000886101        5       64 SH       SOLE                       64        0        0
AFLAC INC                   COM                 001055102     1001    21800 SH       SOLE                    14700        0     7100
AES CORP                    COM                 00130H105      346     7600 SH       DEFINED                  7600        0        0
AMR CORP                    COM                 001765106        2       78 SH       SOLE                       78        0        0
AT&T CORP COMMON                                001957109     3609   114151 SH       SOLE                   107412        0     6739
AT&T CORP COMMON                                001957109    10257   324400 SH       DEFINED                324400        0        0
AT&T CORP                   COM WIRLES GRP      001957406        1       50 SH       SOLE                       50        0        0
ABBOTT LABS                 COM                 002824100      697    15662 SH       SOLE                    11862        0     3800
ACNIELSEN CORP              COM                 004833109        3      167 SH       SOLE                      100        0       67
ADAPTEC INC                 COM                 00651F108       18      800 SH       SOLE                      800        0        0
ADAPTEC INC                 COM                 00651F108       22     1000 SH       DEFINED                  1000        0        0
ADOBE SYS INC               COM                 00724F101      630     4850 SH       SOLE                     3650        0     1200
ADOBE SYS INC               COM                 00724F101      299     2300 SH       DEFINED                  2300        0        0
ADVEST GROUP INC            COM                 007566102        6      300 SH       SOLE                      300        0        0
AETNA INC                   COM                 008117103       16      260 SH       SOLE                      260        0        0
AETNA INC                   COM                 008117103       77     1200 SH       DEFINED                  1200        0        0
AGILENT TECHNOLOGIES INC    COM                 00846U101      296     4014 SH       SOLE                     3672        0      342
AGILENT TECHNOLOGIES INC    COM                 00846U101        7       95 SH       DEFINED                     0        0       95
AGRIBRANDS INTERNATIONAL INC                    00849R105        0       14 SH       DEFINED                     0        0       14
AIR PRODS & CHEMS INC       COM                 009158106       21      700 SH       SOLE                      700        0        0
ALBERTO CULVER CO           CL B CONV           013068101       12      400 SH       SOLE                      400        0        0
ALBERTO CULVER CO           CL A                013068200       97     3700 SH       SOLE                     2600        0     1100
ALBERTSONS INC              COM                 013104104      274     8250 SH       SOLE                     7450        0      800
ALBERTSONS INC              COM                 013104104      189     5700 SH       DEFINED                  5700        0        0
</TABLE>
                                       1
<PAGE>
<TABLE>
<CAPTION>

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER      TITLE OF CLASS       CUSIP    (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------  ------------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S>                         <C>                  <C>            <C>     <C>          <C>     <C>            <C>        <C>      <C>
ALCAN ALUMINIUM LTD NEW     COM                 013716105       16      525 SH       SOLE                      525        0        0
ALCOA INC                   COM                 013817101      259     8950 SH       SOLE                     8350        0      600
ALCOA INC                   COM                 013817101       92     3200 SH       DEFINED                  3200        0        0
ALCATEL                     SPONSORED ADR       013904305        3       50 SH       SOLE                       50        0        0
ALLEGHENY ENERGY INC        COM                 017361106       17      650 SH       SOLE                      250        0      400
ALLSTATE CORP               COM                 020002101       95     4310 SH       SOLE                     4310        0        0
ALLTEL CORP                 COM                 020039103     1102    17796 SH       SOLE                    17011        0      785
ALLTEL CORP                 COM                 020039103      247     4000 SH       DEFINED                  4000        0        0
ALTERA CORP                 COM                 021441100       45      450 SH       SOLE                        0        0      450
ALTERA CORP                 COM                 021441100      203     2000 SH       DEFINED                  2000        0        0
AMAZON COM INC              COM                 023135106       65     1800 SH       DEFINED                  1800        0        0
AMBAC FINL GROUP INC        COM                 023139108       90     1650 SH       SOLE                     1050        0      600
AMERADA HESS CORP           COM                 023551104       37      600 SH       DEFINED                   600        0        0
AMEREN CORP                 COM                 023608102       27      800 SH       SOLE                      300        0      500
AMERICA ONLINE INC DEL      COM                 02364J104        6      130 SH       SOLE                       80        0       50
AMERICA ONLINE INC DEL      COM                 02364J104      352     6700 SH       DEFINED                  6700        0        0
AMERICAN ELEC PWR INC       COM                 025537101      126     4258 SH       SOLE                     4258        0        0
AMERICAN ELEC PWR INC       COM                 025537101        8      276 SH       DEFINED                   276        0        0
AMERICAN EXPRESS CO         COM                 025816109     1299    24925 SH       SOLE                    23275      300     1350
AMERICAN EXPRESS CO         COM                 025816109      125     2400 SH       DEFINED                  2400        0        0
AMERICAN GENERAL CORP       COM                 026351106        6      105 SH       SOLE                      105        0        0
AMERICAN GENERAL CORP       COM                 026351106       54      900 SH       DEFINED                   900        0        0
AMERICAN HOME PRODS CORP    COM                 026609107      674    11488 SH       SOLE                    11088        0      400
AMERICAN HOME PRODS CORP    COM                 026609107      452     7700 SH       DEFINED                  7700        0        0
AMERICAN INTL GROUP INC     COM                 026874107     3076    26185 SH       SOLE                    24751        0     1434
AMERICAN INTL GROUP INC     COM                 026874107     1298    11054 SH       DEFINED                 11054        0        0
AMERICAN PWR CONVERSION CORPCOM                 029066107       40     1000 SH       SOLE                        0        0     1000
AMERICAN STD COS INC DEL    COM                 029712106        5      140 SH       SOLE                      140        0        0
AMERICAN SUPERCONDUCTOR CORPCOM                 030111108       19      400 SH       SOLE                      400        0        0
AMGEN INC                   COM                 031162100       14      200 SH       SOLE                      200        0        0
AMSOUTH BANCORPORATION      COM                 032165102        6      400 SH       SOLE                      400        0        0
ANALOG DEVICES INC          COM                 032654105      258     3400 SH       SOLE                     2800        0      600
ANALOG DEVICES INC          COM                 032654105      152     2000 SH       DEFINED                  2000        0        0
</TABLE>

                                       2
<PAGE>
<TABLE>
<CAPTION>

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER      TITLE OF CLASS       CUSIP    (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------  ------------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S>                         <C>                  <C>            <C>     <C>          <C>     <C>            <C>        <C>      <C>
ANHEUSER BUSCH COS INC      COM                 035229103     1089    14593 SH       SOLE                    10393        0     4200
ANHEUSER BUSCH COS INC      COM                 035229103      457     6124 SH       DEFINED                  6124        0        0
ARIBA INC                   COM                 04033V104        2       30 SH       SOLE                       30        0        0
ARIBA INC                   COM                 04033V104      362     3700 SH       DEFINED                  3700        0        0
ARMSTRONG HLDGS INC         COM                 042384107        5      340 SH       SOLE                      340        0        0
ARROW ELECTRS INC           COM                 042735100        8      275 SH       SOLE                      275        0        0
ARROW FINL CORP             COM                 042744102        9      635 SH       SOLE                      635        0        0
ASHLAND INC                 COM                 044204105        1       50 SH       SOLE                       50        0        0
AT HOME CORP                COM SER A           045919107       16      800 SH       SOLE                      800        0        0
ASSOCIATES FIRST CAP CORP   CL A                046008108        7      324 SH       SOLE                      220        0      104
AUTODESK INC                COM                 052769106       24      700 SH       SOLE                        0        0      700
AUTOMATIC DATA PROCESSING                       053015103      428     8001 SH       SOLE                     6933        0     1068
AUTOMATIC DATA PROCESSING                       053015103      107     2000 SH       DEFINED                  2000        0        0
AVERY DENNISON CORP         COM                 053611109      186     2775 SH       SOLE                     2375        0      400
AVERY DENNISON CORP         COM                 053611109       26      400 SH       DEFINED                   400        0        0
AVNET INC                   COM                 053807103        5      100 SH       SOLE                      100        0        0
AVON PRODS INC              COM                 054303102      136     3075 SH       SOLE                     2675        0      400
AVON PRODS INC              COM                 054303102       77     1750 SH       DEFINED                  1750        0        0
BB&T CORP                   COM                 054937107      385    16150 SH       SOLE                    15150        0     1000
BB&T CORP                   COM                 054937107       19      800 SH       DEFINED                   800        0        0
BISYS GROUP INC             COM                 055472104       30      500 SH       SOLE                        0        0      500
BP AMOCO P L C              SPONSORED ADR       055622104      750    13268 SH       SOLE                    12822        0      446
BP AMOCO P L C              SPONSORED ADR       055622104      263     4659 SH       DEFINED                  4659        0        0
BAKER HUGHES INC            COM                 057224107       22      700 SH       DEFINED                   700        0        0
BANK OF AMERICA CORPORATION COM                 060505104      118     2761 SH       SOLE                     2761        0        0
BANK OF AMERICA CORPORATION COM                 060505104       30      700 SH       DEFINED                   700        0        0
BANK NEW YORK INC           COM                 064057102      481    10360 SH       SOLE                    10360        0        0
BANK ONE CORP               COM                 06423A103      113     4292 SH       SOLE                      650        0     3642
BANK ONE CORP               COM                 06423A103       93     3512 SH       DEFINED                  3512        0        0
BANKNORTH GROUP INC NEW                         06646R107      119     7803 SH       SOLE                     7803        0        0
BARD C R INC                COM                 067383109       38      800 SH       SOLE                      800        0        0
BARR LABS INC               COM                 068306109       33      750 SH       SOLE                        0        0      750
BAUSCH & LOMB INC           COM                 071707103       15      200 SH       SOLE                      200        0        0
</TABLE>

                                       3
<PAGE>
<TABLE>
<CAPTION>

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER      TITLE OF CLASS       CUSIP    (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------  ------------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S>                         <C>                  <C>            <C>     <C>          <C>     <C>            <C>        <C>      <C>
BAXTER INTL INC             COM                 071813109        7      100 SH       SOLE                      100        0        0
BEAR STEARNS COS INC        COM                 073902108       26      630 SH       DEFINED                   630        0        0
BECTON DICKINSON & CO       COM                 075887109      298    10400 SH       SOLE                     8400        0     2000
BELDEN INC                  COM                 077459105        2      100 SH       SOLE                      100        0        0
BELL ATLANTIC CORP          COM                 077853109     1211    23839 SH       SOLE                    18235        0     5604
BELL ATLANTIC CORP          COM                 077853109       35      700 SH       DEFINED                   700        0        0
BELLSOUTH CORP              COM                 079860102     2610    61244 SH       SOLE                    51844      350     9050
BELLSOUTH CORP              COM                 079860102      215     5054 SH       DEFINED                  5054        0        0
BERGEN BRUNSWIG CORP        CL A                083739102        3      565 SH       SOLE                      565        0        0
BERKSHIRE HATHAWAY INC DEL  CL A                084670108       53        1 SH       SOLE                        1        0        0
BERKSHIRE HATHAWAY INC DEL  CL B                084670207      140       80 SH       SOLE                       80        0        0
BERKSHIRE HATHAWAY INC DEL  CL B                084670207       58       33 SH       DEFINED                    33        0        0
BESTFOODS COM                                   08658U101       13      200 SH       SOLE                        0        0      200
BIOGEN INC                  COM                 090597105      482     7475 SH       SOLE                     2875        0     4600
BIOGEN INC                  COM                 090597105      116     1800 SH       DEFINED                  1800        0        0
BLACK & DECKER CORP         COM                 091797100       27      700 SH       DEFINED                   700        0        0
BLACK HILLS CORP            COM                 092113109        5      225 SH       SOLE                      225        0        0
BLOCK H & R INC             COM                 093671105        0       18 SH       SOLE                        0        0       18
BLOCK H & R INC             COM                 093671105       30      950 SH       DEFINED                   950        0        0
BOEING CO                   COM                 097023105       13      324 SH       SOLE                      224        0      100
BRINKER INTL INC            COM                 109641100       23      800 SH       SOLE                        0        0      800
BRISTOL MYERS SQUIBB CO     COM                 110122108     2699    46337 SH       SOLE                    39937        0     6400
BRISTOL MYERS SQUIBB CO     COM                 110122108     1055    18128 SH       DEFINED                 18128        0        0
BROADWING INC               COM                 111620100       52     2016 SH       SOLE                     2016        0        0
BROWN FORMAN CORP           CL B                115637209       10      200 SH       SOLE                      200        0        0
BROWN FORMAN CORP           CL B                115637209       53     1000 SH       DEFINED                  1000        0        0
BRUNSWICK CORP              COM                 117043109       21     1300 SH       SOLE                        0        0     1300
BURLINGTON NORTHN SANTA FE CCOM                 12189T104        7      332 SH       SOLE                      295        0       37
BURLINGTON RES INC          COM                 122014103       46     1220 SH       SOLE                     1220        0        0
CIGNA CORP                  COM                 125509109       49      525 SH       SOLE                      525        0        0
CIGNA HIGH INCOME SHS       SH BEN INT          12551D109        2      397 SH       SOLE                      397        0        0
CSX CORP                    COM                 126408103       42     2025 SH       SOLE                     2025        0        0
CSX CORP                    COM                 126408103       16      800 SH       DEFINED                   800        0        0
</TABLE>

                                       4
<PAGE>
<TABLE>
<CAPTION>

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER      TITLE OF CLASS       CUSIP    (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------  ------------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S>                         <C>                  <C>            <C>     <C>          <C>     <C>            <C>        <C>      <C>
CABLETRON SYS INC           COM                 126920107       10      400 SH       SOLE                      400        0        0
CABOT CORP                  COM                 127055101        5      200 SH       SOLE                      200        0        0
CABOT CORP                  COM                 127055101       15      586 SH       DEFINED                   586        0        0
CAMPBELL SOUP CO            COM                 134429109       46     1600 SH       SOLE                     1600        0        0
CAMPBELL SOUP CO            COM                 134429109       26      900 SH       DEFINED                   900        0        0
CANADIAN PAC LTD NEW        COM                 135923100       28     1100 SH       SOLE                     1100        0        0
CARDINAL HEALTH INC         COM                 14149Y108      314     4254 SH       SOLE                     1489      450     2315
CARDINAL HEALTH INC         COM                 14149Y108      261     3537 SH       DEFINED                  3537        0        0
CARNIVAL CORP                                   143658102      113     5820 SH       SOLE                      900        0     4920
CATERPILLAR INC DEL         COM                 149123101      101     3000 SH       SOLE                     1000        0     2000
CATERPILLAR INC DEL         COM                 149123101        6      200 SH       DEFINED                     0        0      200
CENDANT CORP                COM                 151313103        5      400 SH       SOLE                      400        0        0
CENTEX CORP                 COM                 152312104        4      200 SH       SOLE                      200        0        0
CENTRAL SECS CORP           COM                 155123102       24      694 SH       DEFINED                     0        0      694
CHARTERED SEMICONDUCTOR MFG ADR                 16133R106      333     3700 SH       DEFINED                  3700        0        0
CHASE MANHATTAN CORP NEW    COM                 16161A108     1286    27924 SH       SOLE                    26274      300     1350
CHASE MANHATTAN CORP NEW    COM                 16161A108      355     7725 SH       DEFINED                  7725        0        0
CHEVRON CORPORATION         COM                 166751107      830     9787 SH       SOLE                     9667        0      120
CHEVRON CORPORATION         COM                 166751107       93     1100 SH       DEFINED                  1100        0        0
CHUBB CORP                  COM                 171232101       27      455 SH       SOLE                      455        0        0
CHUBB CORP                  COM                 171232101       18      300 SH       DEFINED                   300        0        0
CINERGY CORP                COM                 172474108       10      400 SH       SOLE                      400        0        0
CISCO SYS INC               COM                 17275R102     2212    34810 SH       SOLE                    32760        0     2050
CISCO SYS INC               COM                 17275R102     1213    19100 SH       DEFINED                 18200        0      900
CINTAS CORP                 COM                 172908105       25      700 SH       SOLE                        0        0      700
CITIGROUP INC                                   172967101     1283    21301 SH       SOLE                    20301        0     1000
CITIGROUP INC                                   172967101      286     4750 SH       DEFINED                  4750        0        0
CITRIX SYS INC              COM                 177376100        7      400 SH       SOLE                        0        0      400
CLARCOR INC                 COM                 179895107      110     5550 SH       SOLE                     5250        0      300
CLEAR CHANNEL COMMUNICATIONSCOM                 184502102      105     1400 SH       DEFINED                  1400        0        0
CLOROX CO DEL               COM                 189054109      661    14766 SH       SOLE                    12966        0     1800
COCA COLA CO                COM                 191216100     1439    25058 SH       SOLE                    22490        0     2568
COCA COLA CO                COM                 191216100      120     2100 SH       DEFINED                  2100        0        0
</TABLE>

                                       5
<PAGE>
<TABLE>
<CAPTION>

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER      TITLE OF CLASS       CUSIP    (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------  ------------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S>                         <C>                  <C>            <C>     <C>          <C>     <C>            <C>        <C>      <C>
COHU INC                    COM                 192576106       43     1600 SH       SOLE                     1000        0      600
COLGATE PALMOLIVE CO        COM                 194162103       95     1600 SH       SOLE                     1600        0        0
COLGATE PALMOLIVE CO        COM                 194162103      143     2400 SH       DEFINED                  2400        0        0
COLUMBIA ENERGY GROUP                           197648108        9      150 SH       SOLE                      150        0        0
COMMERCE BANCSHARES                             200525103       30     1015 SH       SOLE                      315        0      700
COMMERCIAL METALS CO        COM                 201723103       20      730 SH       SOLE                      730        0        0
COMMUNICATION INTELLIGENCE NCOM                 20338K106        7     1600 SH       SOLE                     1600        0        0
COMPASS BANCSHARES INC      COM                 20449H109       22     1300 SH       SOLE                      300        0     1000
COMPAQ COMPUTER CORP        COM                 204493100     1701    66574 SH       SOLE                    46524      300    19750
COMPAQ COMPUTER CORP        COM                 204493100      153     6000 SH       DEFINED                  6000        0        0
COMPUTER ASSOC INTL INC     COM                 204912109      367     7175 SH       SOLE                     7175        0        0
COMPUTER ASSOC INTL INC     COM                 204912109       51     1000 SH       DEFINED                  1000        0        0
CONAGRA INC                 COM                 205887102        9      500 SH       SOLE                      500        0        0
CONEXANT SYSTEMS INC        COM                 207142100       48     1000 SH       SOLE                      600        0      400
CONOCO INC                  CL A                208251306       12      575 SH       SOLE                      575        0        0
CONOCO INC                  CL B                208251405       27     1100 SH       SOLE                      700        0      400
CONOCO INC                  CL B                208251405       44     1800 SH       DEFINED                  1800        0        0
CONSOLIDATED EDISON INC                         209115104       39     1332 SH       SOLE                     1332        0        0
CONSOLIDATED PAPERS INC     COM                 209759109       54     1500 SH       DEFINED                  1500        0        0
CONVERGYS CORP              COM                 212485106       56     1091 SH       SOLE                     1091        0        0
COOPER INDS INC             COM                 216669101       52     1600 SH       SOLE                     1400        0      200
COOPER TIRE & RUBR CO       COM                 216831107       10      960 SH       SOLE                      960        0        0
COOPER TIRE & RUBR CO       COM                 216831107       88     8000 SH       DEFINED                  8000        0        0
CORIXA CORP                 COM                 21887F100       22      513 SH       SOLE                        0        0      513
CORNING INC                 COM                 219350105      495     1836 SH       SOLE                     1836        0        0
COSTCO WHSL CORP NEW        COM                 22160K105      508    15400 SH       SOLE                    15400        0        0
COSTCO WHSL CORP NEW        COM                 22160K105       62     1900 SH       DEFINED                  1900        0        0
COVANCE INC                 COM                 222816100        1      226 SH       SOLE                      226        0        0
CRANE CO                    COM                 224399105       26     1100 SH       SOLE                        0        0     1100
CROWN CORK & SEAL CO INCORP                     228255105        4      315 SH       SOLE                      315        0        0
DQE INC                     COM                 23329J104       33      850 SH       SOLE                      700        0      150
DALLAS SEMICONDUCTOR CORP   COM                 235204104      285     7000 SH       SOLE                     5400        0     1600
DANA CORP                   COM                 235811106       69     3300 SH       SOLE                     2700        0      600
DANA CORP                   COM                 235811106       10      500 SH       DEFINED                   500        0        0
</TABLE>

                                       6
<PAGE>
<TABLE>
<CAPTION>

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER      TITLE OF CLASS       CUSIP    (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------  ------------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S>                         <C>                  <C>            <C>     <C>          <C>     <C>            <C>        <C>      <C>
DANAHER CORP DEL            COM                 235851102       24      500 SH       DEFINED                   500        0        0
DEERE & CO                  COM                 244199105       64     1750 SH       SOLE                     1150        0      600
DELL COMPUTER CORP          COM                 247025109      136     2775 SH       SOLE                     2750        0       25
DELL COMPUTER CORP          COM                 247025109      295     6000 SH       DEFINED                  6000        0        0
DELPHI AUTOMOTIVE SYS CORP  COM                 247126105       21     1490 SH       SOLE                     1490        0        0
DEVON ENERGY CORP NEW       COM                 25179M103       39      700 SH       SOLE                        0        0      700
DIAGEO PLC SPON ADR NEW                         25243Q205       42     1209 SH       DEFINED                  1209        0        0
DIAMOND OFFSHORE DRILLING INCOM                 25271C102        5      150 SH       SOLE                      150        0        0
DIONEX CORP                 COM                 254546104       21      800 SH       SOLE                        0        0      800
DISNEY WALT CO              COM DISNEY          254687106      308     7951 SH       SOLE                     4149        0     3802
DISNEY WALT CO              COM DISNEY          254687106      236     6100 SH       DEFINED                  6100        0        0
DOMINION RES INC VA NEW     COM                 25746U109       11      266 SH       SOLE                      266        0        0
DOMINION RES INC VA NEW     COM                 25746U109       40      950 SH       DEFINED                   950        0        0
DONNELLEY R R & SONS CO     COM                 257867101       18      800 SH       SOLE                      800        0        0
DONNELLEY R R & SONS CO     COM                 257867101       78     3500 SH       DEFINED                  3500        0        0
DOVER CORP                  COM                 260003108      202     5000 SH       SOLE                     4200        0      800
DOW CHEM CO                 COM                 260543103      136     4521 SH       SOLE                     3783        0      738
DOW CHEM CO                 COM                 260543103      347    11514 SH       DEFINED                 11514        0        0
DU PONT E I DE NEMOURS & CO COM                 263534109     2070    47320 SH       SOLE                    44390      300     2630
DU PONT E I DE NEMOURS & CO COM                 263534109      365     8352 SH       DEFINED                  8352        0        0
DUKE ENERGY CORP COM                            264399106     2704    47978 SH       SOLE                    46078      200     1700
DUKE ENERGY CORP COM                            264399106      135     2400 SH       DEFINED                  2400        0        0
DUN & BRADSTREET CORP DEL   COM                 26483B106        5      200 SH       SOLE                        0        0      200
E M C CORP MASS             COM                 268648102     3067    39880 SH       SOLE                    37700      300     1880
E M C CORP MASS             COM                 268648102      200     2600 SH       DEFINED                  2600        0        0
ENSCO INTERNATIONAL                             26874Q100       32      900 SH       SOLE                        0        0      900
EAGLE WIRELESS INTL INC     COM                 27002R101       49     6500 SH       SOLE                        0        0     6500
EASTMAN CHEM CO             COM                 277432100       60     1277 SH       SOLE                     1277        0        0
EASTMAN KODAK CO            COM                 277461109      176     2962 SH       SOLE                     2962        0        0
EASTMAN KODAK CO            COM                 277461109      143     2414 SH       DEFINED                  2414        0        0
EATON CORP                  COM                 278058102       26      400 SH       SOLE                      400        0        0
EATON CORP                  COM                 278058102       43      650 SH       DEFINED                   650        0        0
EDWARDS LIFESCIENCES CORP   COM                 28176E108        1       86 SH       SOLE                       86        0        0
</TABLE>

                                       7
<PAGE>
<TABLE>
<CAPTION>

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER      TITLE OF CLASS       CUSIP    (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------  ------------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S>                         <C>                  <C>            <C>     <C>          <C>     <C>            <C>        <C>      <C>
EDWARDS AG INC              COM                 281760108     1012    25950 SH       SOLE                    17250        0     8700
EDWARDS AG INC              COM                 281760108      175     4500 SH       DEFINED                  4500        0        0
EL PASO ENERGY CORP DEL     COM                 283905107       80     1584 SH       SOLE                     1584        0        0
EL PASO ENERGY CORP DEL     COM                 283905107       55     1098 SH       DEFINED                  1098        0        0
ELECTRONIC ARTS INC         COM                 285512109       29      400 SH       SOLE                        0        0      400
ELECTRONIC DATA SYS NEW     COM                 285661104      350     8503 SH       SOLE                     8503        0        0
ELECTRONIC DATA SYS NEW     COM                 285661104       61     1500 SH       DEFINED                  1500        0        0
EMERSON ELEC CO             COM                 291011104      912    15121 SH       SOLE                    12921        0     2200
EMERSON ELEC CO             COM                 291011104       96     1600 SH       DEFINED                  1600        0        0
ENERGY EAST CORP            COM                 29266M109       22     1164 SH       SOLE                     1164        0        0
ENERGIZER HLDGS INC         COM                 29266R108        2      140 SH       DEFINED                     0        0      140
ENRON CORP                                      293561106      914    14173 SH       SOLE                    13173        0     1000
ENRON CORP                                      293561106      212     3300 SH       DEFINED                  3300        0        0
ENTERGY CORP NEW            COM                 29364G103       39     1450 SH       DEFINED                  1450        0        0
EQUITABLE RES INC           COM                 294549100       36      757 SH       SOLE                      757        0        0
ETHAN ALLEN INTERIORS INC   COM                 297602104       24     1000 SH       SOLE                        0        0     1000
EUROWEB INTL CORP           COM                 298801101        1      500 SH       SOLE                      500        0        0
EXODUS COMMUNICATIONS INC   COM                 302088109       13      300 SH       SOLE                      100        0      200
EXODUS COMMUNICATIONS INC   COM                 302088109      396     8600 SH       DEFINED                  8600        0        0
EXXON MOBIL CORP            COM                 30231G102    10928   139213 SH       SOLE                   124228      400    14585
EXXON MOBIL CORP            COM                 30231G102     2244    28590 SH       DEFINED                 28242        0      348
F M C CORP                  COM NEW             302491303        1       25 SH       SOLE                       25        0        0
FPL GROUP INC               COM                 302571104       38      769 SH       SOLE                      300        0      469
FEDERAL HOME LN MTG CORP    COM                 313400301       20      500 SH       DEFINED                   500        0        0
FEDERAL NATL MTG ASSN       COM                 313586109      286     5500 SH       SOLE                     5300        0      200
FEDERAL NATL MTG ASSN       COM                 313586109       75     1450 SH       DEFINED                  1450        0        0
FEDERAL SIGNAL CORP         COM                 313855108      110     6706 SH       SOLE                     5106        0     1600
FEDERAL SIGNAL CORP         COM                 313855108      134     8165 SH       DEFINED                  8165        0        0
FEDERATED DEPT STORES INC DECOM                 31410H101       10      300 SH       SOLE                      300        0        0
FIFTH THIRD BANCORP         COM                 316773100      316     5000 SH       SOLE                     2375      600     2025
FIFTH THIRD BANCORP         COM                 316773100       63     1000 SH       DEFINED                  1000        0        0
FIRST ALBANY COS INC        COM                 318465101        2      105 SH       SOLE                      105        0        0
FIRST AUSTRALIA PRIME INCOME                    318653102       15     3249 SH       DEFINED                  3249        0        0
</TABLE>

                                       8
<PAGE>
<TABLE>
<CAPTION>

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER      TITLE OF CLASS       CUSIP    (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------  ------------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S>                         <C>                  <C>            <C>     <C>          <C>     <C>            <C>        <C>      <C>
FIRST SEC CORP DEL          COM                 336294103        9      700 SH       SOLE                      700        0        0
FIRST UN CORP               COM                 337358105       19      794 SH       SOLE                      794        0        0
FIRST UN CORP               COM                 337358105       27     1100 SH       DEFINED                  1100        0        0
FIRSTAR CORP NEW WIS        COM                 33763V109       30     1463 SH       SOLE                     1463        0        0
FIRSTENERGY CORP            COM                 337932107       24     1050 SH       SOLE                      550        0      500
FLEETBOSTON FINL CORP                           339030108       29      862 SH       SOLE                      862        0        0
FLEETBOSTON FINL CORP                           339030108      128     3779 SH       DEFINED                  3779        0        0
FLORIDA PROGRESS CORP       COM                 341109106        2       60 SH       SOLE                       60        0        0
FLUOR CORP                  COM                 343861100        1       40 SH       SOLE                       40        0        0
FORD MTR CO DEL             COM                 345370100       18      420 SH       SOLE                      420        0        0
FOREST LABS INC             COM                 345838106       30      300 SH       SOLE                        0        0      300
FORT JAMES CORP             COM                 347471104       11      500 SH       SOLE                      500        0        0
FORT JAMES CORP             COM                 347471104       11      500 SH       DEFINED                   500        0        0
 FOUNDATION HEALTH SYS CLASS A                  350404109       27     2100 SH       DEFINED                  2100        0        0
FRANCHISE FIN CORP AMER                         351807102       29     1290 SH       SOLE                     1290        0        0
GATX CORP                   COM                 361448103       34     1000 SH       SOLE                     1000        0        0
GTE CORP                    COM                 362320103      554     8904 SH       SOLE                     8904        0        0
GTE CORP                    COM                 362320103      141     2270 SH       DEFINED                  2270        0        0
GANNETT INC                 COM                 364730101     1124    18800 SH       SOLE                    15950        0     2850
GANNETT INC                 COM                 364730101      179     3000 SH       DEFINED                  3000        0        0
GAP INC DEL                 COM                 364760108      165     5312 SH       SOLE                     5312        0        0
GAP INC DEL                 COM                 364760108      144     4612 SH       DEFINED                  4612        0        0
GATEWAY INC                 COM                 367626108      476     8400 SH       SOLE                     5500        0     2900
GATEWAY INC                 COM                 367626108      272     4800 SH       DEFINED                  4800        0        0
GENERAL DYNAMICS CORP       COM                 369550108       47      900 SH       SOLE                      900        0        0
GENERAL ELEC CO             COM                 369604103    19648   370722 SH       SOLE                   309638     1200    59884
GENERAL ELEC CO             COM                 369604103     2411    45494 SH       DEFINED                 45494        0        0
GENERAL MLS INC             COM                 370334104      359     9400 SH       SOLE                     9400        0        0
GENERAL MLS INC             COM                 370334104      362     9468 SH       DEFINED                  9468        0        0
GENERAL MTRS CORP           COM                 370442105      182     3138 SH       SOLE                     3138        0        0
GENERAL MTRS CORP           COM                 370442105       40      700 SH       DEFINED                   700        0        0
GENUINE PARTS CO            COM                 372460105      116     5840 SH       SOLE                     4340        0     1500
GENUINE PARTS CO            COM                 372460105       18      900 SH       DEFINED                   900        0        0
</TABLE>

                                       9
<PAGE>
<TABLE>
<CAPTION>


                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER      TITLE OF CLASS       CUSIP    (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------  ------------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S>                         <C>                  <C>            <C>     <C>          <C>     <C>            <C>        <C>      <C>
GENZYME CORP                COM GENL DIV        372917104        5      100 SH       SOLE                      100        0        0
GENZYME CORP                COM SURG PRODS      372917609        0       17 SH       SOLE                       17        0        0
GEORGIA PACIFIC CORP                            373298108       65     2494 SH       SOLE                     2494        0        0
GEORGIA PACIFIC TIMBER GROUP                    373298702       26     1247 SH       SOLE                     1247        0        0
GERBER SCIENTIFIC INC       COM                 373730100       11     1012 SH       SOLE                        0        0     1012
GIBRALTAR STL CORP          COM                 37476F103        1       75 SH       SOLE                       75        0        0
GILLETTE CO                 COM                 375766102      311     8925 SH       SOLE                     8925        0        0
GILLETTE CO                 COM                 375766102      216     6200 SH       DEFINED                  6200        0        0
GLAXO WELLCOME PLC          SPONSORED ADR       37733W105      234     4050 SH       SOLE                     3750        0      300
BF GOODRICH CO                                  382388106       13      390 SH       SOLE                      390        0        0
GOODYEAR TIRE & RUBR CO     COM                 382550101        6      325 SH       SOLE                      125        0      200
GRAINGER W W INC            COM                 384802104       12      400 SH       SOLE                      400        0        0
GRAINGER W W INC            COM                 384802104       49     1600 SH       DEFINED                  1600        0        0
GREAT LAKES CHEM CORP       COM                 390568103        4      134 SH       SOLE                      134        0        0
GREAT LAKES CHEM CORP       COM                 390568103       78     2500 SH       DEFINED                  2500        0        0
HSB GROUP INC               COM                 40428N109       37     1200 SH       SOLE                     1200        0        0
HALLIBURTON CO              COM                 406216101      470     9983 SH       SOLE                     9283        0      700
HALLIBURTON CO              COM                 406216101       23      500 SH       DEFINED                   500        0        0
HANCOCK JOHN FINL SVCS INC  COM                 41014S106       12      522 SH       DEFINED                   522        0        0
HANNAFORD BROS CO           COM                 410550107      179     2500 SH       SOLE                     2500        0        0
HARLEY DAVIDSON INC         COM                 412822108      234     6100 SH       SOLE                     5300        0      800
HARLEY DAVIDSON INC         COM                 412822108      204     5300 SH       DEFINED                  5300        0        0
HARSCO CORP                 COM                 415864107       26     1050 SH       SOLE                      250        0      800
HARTFORD FINL SVCS GROUP INCCOM                 416515104      110     1980 SH       SOLE                     1980        0        0
HASBRO INC                  COM                 418056107       59     3937 SH       SOLE                     3937        0        0
HASBRO INC                  COM                 418056107       46     3100 SH       DEFINED                  3100        0        0
HAWAIIAN ELEC INDUSTRIES    COM                 419870100        6      200 SH       SOLE                      200        0        0
HEALTH MGMT SYS INC         COM                 42219M100        0      210 SH       SOLE                      210        0        0
HEINZ H J CO                COM                 423074103      165     3775 SH       SOLE                     2850        0      925
HEINZ H J CO                COM                 423074103       59     1350 SH       DEFINED                  1350        0        0
HERCULES INC                COM                 427056106        7      500 SH       DEFINED                   500        0        0
HERSHEY FOODS CORP          COM                 427866108      194     4000 SH       SOLE                     2900        0     1100
HERSHEY FOODS CORP          COM                 427866108       67     1400 SH       DEFINED                  1400        0        0
</TABLE>

                                       10
<PAGE>
<TABLE>
<CAPTION>

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER      TITLE OF CLASS       CUSIP    (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------  ------------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S>                         <C>                  <C>            <C>     <C>          <C>     <C>            <C>        <C>      <C>
HEWLETT PACKARD CO          COM                 428236103     1317    10550 SH       SOLE                     9650        0      900
HEWLETT PACKARD CO          COM                 428236103       31      250 SH       DEFINED                     0        0      250
HOME DEPOT INC              COM                 437076102       92     1850 SH       SOLE                      650        0     1200
HOME DEPOT INC              COM                 437076102      194     3900 SH       DEFINED                  3900        0        0
HONEYWELL INTL INC          COM                 438516106      286     8500 SH       SOLE                     8150        0      350
HONEYWELL INTL INC          COM                 438516106       43     1300 SH       DEFINED                  1300        0        0
HORMEL FOODS CORP           COM                 440452100       42     2500 SH       SOLE                      900        0     1600
IXL ENTERPRISES INC         COM                 450718101        1      100 SH       SOLE                      100        0        0
ILLINOIS TOOL WKS INC       COM                 452308109      713    12514 SH       SOLE                    12414        0      100
ILLINOIS TOOL WKS INC       COM                 452308109      136     2400 SH       DEFINED                  2400        0        0
INGERSOLL-RAND CO           COM                 456866102      564    14025 SH       SOLE                    13275      300      450
INGERSOLL-RAND CO           COM                 456866102       12      300 SH       DEFINED                   300        0        0
INGRAM MICRO INC            CL A                457153104        6      400 SH       SOLE                      400        0        0
INTEL CORP                  COM                 458140100    10550    78925 SH       SOLE                    65475      200    13250
INTEL CORP                  COM                 458140100     1176     8800 SH       DEFINED                  8800        0        0
INTERNATIONAL BUSINESS MACHSCOM                 459200101     4913    44849 SH       SOLE                    42469      150     2230
INTERNATIONAL BUSINESS MACHSCOM                 459200101      336     3070 SH       DEFINED                  3070        0        0
INTERNATIONAL FLAVORS&FRAGRACOM                 459506101        0       20 SH       SOLE                        0        0       20
INTERNATIONAL FLAVORS&FRAGRACOM                 459506101       30     1000 SH       DEFINED                  1000        0        0
INTL PAPER CO               COM                 460146103       85     2882 SH       SOLE                     2882        0        0
INTL PAPER CO               COM                 460146103       62     2110 SH       DEFINED                  2110        0        0
INTERSIL HLDG CORP          CL A                46069S109      237     4400 SH       DEFINED                  4400        0        0
INTERPUBLIC GROUP COS INC   COM                 460690100       12      300 SH       SOLE                      300        0        0
IPALCO ENTERPRISES INC      COM                 462613100        3      192 SH       SOLE                      192        0        0
JDS UNIPHASE CORP           COM                 46612J101       31      260 SH       SOLE                      260        0        0
JDS UNIPHASE CORP           COM                 46612J101      479     4000 SH       DEFINED                  4000        0        0
JACOBS ENGR GROUP INC DEL   COM                 469814107       58     1800 SH       SOLE                     1800        0        0
JEFFERSON PILOT CORP        COM                 475070108      272     4827 SH       SOLE                     4327        0      500
JEFFERSON PILOT CORP        COM                 475070108       22      400 SH       DEFINED                   400        0        0
JOHNSON & JOHNSON           COM                 478160104     4561    44777 SH       SOLE                    35546      150     9081
JOHNSON & JOHNSON           COM                 478160104      797     7825 SH       DEFINED                  7700        0      125
JOHNSON CTLS INC            COM                 478366107       48      950 SH       SOLE                      950        0        0
JONES APPAREL GROUP INC     COM                 480074103       21      900 SH       SOLE                        0        0      900
</TABLE>

                                       11
<PAGE>
<TABLE>
<CAPTION>

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER      TITLE OF CLASS       CUSIP    (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------  ------------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S>                         <C>                  <C>            <C>     <C>          <C>     <C>            <C>        <C>      <C>
JUNIPER NETWORKS INC        COM                 48203R104      291     2000 SH       DEFINED                  2000        0        0
KLA-TENCOR CORP             COM                 482480100       54      925 SH       SOLE                      725        0      200
KLA-TENCOR CORP             COM                 482480100       35      600 SH       DEFINED                   600        0        0
KANSAS CITY PWR & LT CO     COM                 485134100       13      600 SH       SOLE                        0        0      600
KELLOGG CO                  COM                 487836108      742    24968 SH       SOLE                    14368        0    10600
KEYCORP NEW                 COM                 493267108      280    15915 SH       SOLE                    13384        0     2531
KEYCORP NEW                 COM                 493267108       14      800 SH       DEFINED                   800        0        0
KEYSPAN CORP                COM                 49337W100       30     1000 SH       DEFINED                  1000        0        0
KIMBERLY CLARK CORP         COM                 494368103      960    16750 SH       SOLE                    16650        0      100
KIMBERLY CLARK CORP         COM                 494368103       91     1600 SH       DEFINED                  1600        0        0
KOHLS CORP                  COM                 500255104      189     3400 SH       DEFINED                  3400        0        0
KONINKLIJKE AHOLD NV        SPNSRD ADR NEW      500467303        4      150 SH       SOLE                      150        0        0
KONINKLIJKE PHILIPS ELECTRS SPON ADR NEW        500472204       95     2008 SH       SOLE                     2008        0        0
KONINKLIJKE PHILIPS ELECTRS SPON ADR NEW        500472204        3       76 SH       DEFINED                    76        0        0
KRISPY KREME DOUGHNUTS INC  COM                 501014104        3       50 SH       SOLE                        0        0       50
KROGER CO                   COM                 501044101       39     1800 SH       DEFINED                  1800        0        0
LSI LOGIC CORP                                  502161102        1       25 SH       SOLE                       25        0        0
LAFARGE CORP                COM                 505862102        3      150 SH       SOLE                      150        0        0
LANCASTER COLONY CORP       COM                 513847103       39     2050 SH       SOLE                     1050        0     1000
LANDS END INC               COM                 515086106       21      650 SH       SOLE                      650        0        0
LEGGETT & PLATT INC         COM                 524660107       33     2000 SH       SOLE                     2000        0        0
LEXMARK INTL GROUP INC      CL A                529771107       36      550 SH       SOLE                      350        0      200
LIBBEY INC                  COM                 529898108        2       68 SH       SOLE                       68        0        0
LILLY ELI & CO              COM                 532457108      836     8380 SH       SOLE                     7880        0      500
LILLY ELI & CO              COM                 532457108      468     4694 SH       DEFINED                  4694        0        0
LINEAR TECHNOLOGY CORP      COM                 535678106       51      800 SH       SOLE                        0        0      800
LITTON INDS INC             COM                 538021106        5      125 SH       SOLE                      125        0        0
LIZ CLAIBORNE INC           COM                 539320101       28      800 SH       SOLE                        0        0      800
LOCKHEED MARTIN CORP        COM                 539830109       12      500 SH       DEFINED                   500        0        0
LOWES COS INC               COM                 548661107      141     3450 SH       SOLE                     3450        0        0
LOWES COS INC               COM                 548661107       49     1200 SH       DEFINED                  1200        0        0
LUBRIZOL CORP               COM                 549271104        4      200 SH       SOLE                      200        0        0
LUCENT TECHNOLOGIES INC     COM                 549463107     5519    93159 SH       SOLE                    89279        0     3880
LUCENT TECHNOLOGIES INC     COM                 549463107    16605   280260 SH       DEFINED                280260        0        0
</TABLE>

                                       12
<PAGE>
<TABLE>
<CAPTION>

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER      TITLE OF CLASS       CUSIP    (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------  ------------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S>                         <C>                  <C>            <C>     <C>          <C>     <C>            <C>        <C>      <C>
LYONDELL CHEMICAL CO        COM                 552078107        2      150 SH       SOLE                      150        0        0
MBIA INC                    COM                 55262C100      269     5600 SH       SOLE                     4800        0      800
MBIA INC                    COM                 55262C100       14      300 SH       DEFINED                   300        0        0
MBNA CORP                   COM                 55262L100      113     4200 SH       DEFINED                  4200        0        0
MGIC INVT CORP WIS          COM                 552848103       77     1700 SH       DEFINED                  1700        0        0
MGM GRAND INC               COM                 552953101       23      724 SH       DEFINED                   724        0        0
MANDALAY RESORT GROUP       COM                 562567107       12      600 SH       DEFINED                   600        0        0
MANITOWOC INC               COM                 563571108      425    15895 SH       SOLE                    15895        0        0
MARSH & MCLENNAN COS INC    COM                 571748102      404     3875 SH       SOLE                     3875        0        0
MARSH & MCLENNAN COS INC    COM                 571748102      167     1600 SH       DEFINED                  1600        0        0
MARSHALL & ILSLEY CORP      COM                 571834100       74     1800 SH       SOLE                     1800        0        0
MARRIOTT INTL INC NEW       CL A                571903202       50     1400 SH       SOLE                     1400        0        0
MATTEL INC                  COM                 577081102        3      300 SH       SOLE                        0        0      300
MATTEL INC                  COM                 577081102       23     1780 SH       DEFINED                  1780        0        0
MAXIM INTEGRATED PRODS INC  COM                 57772K101       27      400 SH       SOLE                        0        0      400
MAXIM INTEGRATED PRODS INC  COM                 57772K101      176     2600 SH       DEFINED                  2600        0        0
MAY DEPT STORES CO          COM                 577778103      216     9004 SH       SOLE                     8554        0      450
MAY DEPT STORES CO          COM                 577778103       28     1200 SH       DEFINED                  1200        0        0
MCCORMICK & CO INC          COM NON VTG         579780206       78     2400 SH       SOLE                     2400        0        0
MCCORMICK & CO INC          COM NON VTG         579780206      178     5500 SH       DEFINED                  5500        0        0
MCDONALDS CORP              COM                 580135101      312     9504 SH       SOLE                     6000        0     3504
MCDONALDS CORP              COM                 580135101       65     2000 SH       DEFINED                  2000        0        0
MCKESSON HBOC INC           COM                 58155Q103       33     1600 SH       DEFINED                  1600        0        0
MEAD CORP                   COM                 582834107      219     8675 SH       SOLE                     8675        0        0
MEAD CORP                   COM                 582834107       40     1600 SH       DEFINED                  1600        0        0
MEDIAONE GROUP INC          COM                 58440J104      172     2590 SH       SOLE                     1694        0      896
MEDTRONIC INC               COM                 585055106      307     6175 SH       SOLE                     6175        0        0
MEDTRONIC INC               COM                 585055106      510    10248 SH       DEFINED                 10248        0        0
MELLON FINL CORP            COM                 58551A108       72     2000 SH       DEFINED                  2000        0        0
MENTOR INCOME FUND INC                          587204108       12     1646 SH       DEFINED                  1646        0        0
MERCK & CO INC              COM                 589331107     5747    75014 SH       SOLE                    56862      600    17552
MERCK & CO INC              COM                 589331107      513     6700 SH       DEFINED                  6700        0        0
MERCURY COMPUTER SYS        COM                 589378108      420    13000 SH       SOLE                    13000        0        0
</TABLE>

                                       13
<PAGE>
<TABLE>
<CAPTION>

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER      TITLE OF CLASS       CUSIP    (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------  ------------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S>                         <C>                  <C>            <C>     <C>          <C>     <C>            <C>        <C>      <C>
METROMEDIA FIBER NETWORK INCCL A                591689104      234     5900 SH       DEFINED                  5900        0        0
MICROSOFT CORP              COM                 594918104     2238    27985 SH       SOLE                    22625      150     5210
MICROSOFT CORP              COM                 594918104      464     5800 SH       DEFINED                  5800        0        0
MILLENNIUM CHEMICALS INC    COM                 599903101        4      250 SH       SOLE                      250        0        0
MINNESOTA MNG & MFG CO      COM                 604059105      409     4959 SH       SOLE                     4059        0      900
MINNESOTA MNG & MFG CO      COM                 604059105      313     3797 SH       DEFINED                  3797        0        0
MONTANA POWER CO            COM                 612085100       42     1200 SH       SOLE                     1200        0        0
MONY GROUP INC              COM                 615337102        1       47 SH       SOLE                       47        0        0
MORGAN J P & CO INC         COM                 616880100      173     1573 SH       SOLE                     1556        0       17
MORGAN J P & CO INC         COM                 616880100      257     2336 SH       DEFINED                  2336        0        0
MORGAN STANELY DEAN WITTER  DISCOVER & CO       617446448       84     1016 SH       SOLE                     1016        0        0
MORGAN STANLEY DEAN WITTER  INCOME SEC INC      61745P874        9      565 SH       SOLE                        0        0      565
MOTOROLA INC                COM                 620076109       63     2199 SH       SOLE                     1299        0      900
MUELLER INDS INC            COM                 624756102       22      800 SH       SOLE                      800        0        0
MUNIASSETS FUND INC                             62618Q106        9      850          SOLE                      850        0        0
MUNIYIELD NY INSD FD INC                        626301105        8      735          SOLE                      735        0        0
MYLAN LABS INC              COM                 628530107        3      200 SH       SOLE                      200        0        0
NBT BANCORP INC             COM                 628778102      174    16309 SH       SOLE                    16309        0        0
NCR CORP NEW                COM                 62886E108      650    16699 SH       DEFINED                 16699        0        0
NABISCO GROUP HLDG CORP                         62952P102       30     1172 SH       SOLE                     1172        0        0
NABORS INDS INC             COM                 629568106       35      850 SH       SOLE                      150        0      700
NATIONAL CITY CORP          COM                 635405103        6      400 SH       SOLE                      400        0        0
NATIONAL CITY CORP          COM                 635405103       47     2800 SH       DEFINED                  2800        0        0
NATIONAL SVC INDS INC       COM                 637657107        4      200 SH       SOLE                      200        0        0
NEIMAN MARCUS GROUP INC CL A                    640204202       29     1000 SH       DEFINED                  1000        0        0
NETSMART TECHNOLOGIES INC   COM NEW             64114W306        0       50 SH       SOLE                       50        0        0
NEW CENTURY ENERGIES INC    COM                 64352U103       22      750 SH       SOLE                      250        0      500
NEW YORK TIMES CO           CL A                65011110R     3059    77464 SH       SOLE                    77464        0        0
NEW YORK TIMES CO           CL A                65011110R    14424   365185 SH       DEFINED                365185        0        0
NEW YORK TIMES CO           CL A                650111107     1948    49340 SH       SOLE                    48840        0      500
NEW YORK TIMES CO           CL A                650111107     9419   238459 SH       DEFINED                238459        0        0
NEXTEL COMMUNICATIONS INC   CL A                65332V103       85     1400 SH       DEFINED                  1400        0        0
NEXTLINK COMMUNICATIONS INC CL A                65333H707      189     5000 SH       DEFINED                  5000        0        0
</TABLE>

                                       14
<PAGE>
<TABLE>
<CAPTION>

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER      TITLE OF CLASS       CUSIP    (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------  ------------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S>                         <C>                  <C>            <C>     <C>          <C>     <C>            <C>        <C>      <C>
NIAGARA MOHAWK HLDGS INC    COM                 653520106       20     1500 SH       DEFINED                  1500        0        0
NIKE INC                    CL B                654106103       55     1400 SH       SOLE                      400        0     1000
NISOURCE INC                COM                 65473P105      107     5750 SH       SOLE                     4250        0     1500
NOKIA CORP PFD SPONS ADR                        654902204       34      692 SH       SOLE                       92        0      600
NOKIA CORP PFD SPONS ADR                        654902204       59     1200 SH       DEFINED                  1200        0        0
NORDSTROM INC               COM                 655664100       16      700 SH       DEFINED                   700        0        0
NORFOLK SOUTHERN CORP       COM                 655844108       84     5670 SH       SOLE                     5670        0        0
NORFOLK SOUTHERN CORP       COM                 655844108        7      500 SH       DEFINED                   500        0        0
NORTHN STS PWR CO MINN      COM                 665772109        2      102 SH       SOLE                      102        0        0
NORTHROP GRUMMAN CORP COM                       666807102        7      111 SH       SOLE                      111        0        0
NOVELLUS SYS INC            COM                 670008101       22      400 SH       SOLE                        0        0      400
NUCOR CORP                  COM                 670346105      102     3100 SH       SOLE                     2600        0      500
NUVEEN NY MUNI VALUE INC                        67062M105       12     1500          SOLE                        0        0     1500
OGE ENERGY CORP             COM                 670837103       18     1000 SH       SOLE                        0        0     1000
OGE ENERGY CORP             COM                 670837103        4      250 SH       DEFINED                   250        0        0
OCCIDENTAL PETE CORP DEL    COM                 674599105       23     1100 SH       SOLE                     1100        0        0
OFFICE DEPOT INC            COM                 676220106        3      500 SH       SOLE                      500        0        0
OLD KENT FINL CORP          COM                 679833103        4      169 SH       SOLE                      169        0        0
OLD REP INTL CORP           COM                 680223104        8      525 SH       SOLE                      525        0        0
ORACLE CORP                 COM                 68389X105      846    10075 SH       SOLE                     9575        0      500
ORACLE CORP                 COM                 68389X105      210     2500 SH       DEFINED                  2500        0        0
OWENS CORNING               COM                 69073F103        2      235 SH       SOLE                      235        0        0
OWENS ILL INC               COM NEW             690768403        4      400 SH       SOLE                      400        0        0
PECO ENERGY CO              COM                 693304107       40     1000 SH       SOLE                        0        0     1000
PECO ENERGY CO              COM                 693304107       48     1200 SH       DEFINED                  1200        0        0
PG&E CORP                   COM                 69331C108       42     1710 SH       SOLE                     1710        0        0
PNC FINL SVCS GROUP INC     COM                 693475105       73     1558 SH       SOLE                     1558        0        0
PNC FINL SVCS GROUP INC     COM                 693475105       67     1450 SH       DEFINED                  1450        0        0
PPG INDS INC                COM                 693506107      336     7600 SH       SOLE                     5100        0     2500
PPL CORP                                        69351T106       21     1000 SH       SOLE                        0        0     1000
PACCAR INC                  COM                 693718108       36      920 SH       SOLE                      920        0        0
PACIFICARE HEALTH SYSTEMS B                     695112102        3       50 SH       SOLE                       50        0        0
PALL CORP                   COM                 696429307       18     1000 SH       DEFINED                  1000        0        0
</TABLE>

                                       15
<PAGE>
<TABLE>
<CAPTION>

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER      TITLE OF CLASS       CUSIP    (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------  ------------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S>                         <C>                  <C>            <C>     <C>          <C>     <C>            <C>        <C>      <C>
PARAGON TECHNOLOGIES INC                        69912T108        9     1239 SH       SOLE                     1239        0        0
PENN ENGR & MFG CORP        CL A                707389102        3      100 SH       SOLE                      100        0        0
PENNEY J C INC              COM                 708160106      576    31300 SH       SOLE                    31300        0        0
PENNEY J C INC              COM                 708160106       12      700 SH       DEFINED                   700        0        0
PEPSICO INC                 COM                 713448108     1961    44150 SH       SOLE                    41125        0     3025
PEPSICO INC                 COM                 713448108      115     2600 SH       DEFINED                  2600        0        0
PER SE TECHNOLOGIES INC     COM NEW             713569309        0       36 SH       DEFINED                    36        0        0
PFIZER INC                  COM                 717081103     5337   111204 SH       SOLE                   100368     3300     7536
PFIZER INC                  COM                 717081103      912    19016 SH       DEFINED                 19016        0        0
PHARMACIA CORP              COM                 71713U102      269     5224 SH       SOLE                     5224        0        0
PHARMACIA CORP              COM                 71713U102      554    10720 SH       DEFINED                 10720        0        0
PHELPS DODGE CORP           COM                 717265102       48     1300 SH       SOLE                     1300        0        0
PHILIP MORRIS COS INC       COM                 718154107       92     3500 SH       SOLE                     2300        0     1200
PHILLIPS PETE CO            COM                 718507106      166     3294 SH       SOLE                     2952        0      342
PINNACLE WEST CAP CORP      COM                 723484101       16      500 SH       SOLE                      500        0        0
PITNEY BOWES INC            COM                 724479100      894    22350 SH       SOLE                    16450        0     5900
PITNEY BOWES INC            COM                 724479100      196     4900 SH       DEFINED                  4900        0        0
PLUG POWER INC              COM                 72919P103       10      160 SH       SOLE                      160        0        0
PRAXAIR INC                 COM                 74005P104       12      325 SH       SOLE                      325        0        0
PROCTER & GAMBLE CO         COM                 742718109      996    17407 SH       SOLE                    16881        0      526
PROCTER & GAMBLE CO         COM                 742718109      210     3674 SH       DEFINED                  3674        0        0
PUGET SOUND ENERGY INC      COM                 745332106        1       50 SH       SOLE                       50        0        0
QLOGIC CORP                 COM                 747277101       26      400 SH       SOLE                        0        0      400
QUAKER OATS CO              COM                 747402105      210     2800 SH       SOLE                     2400        0      400
QUALCOMM INC                COM                 747525103        6      100 SH       SOLE                        0        0      100
QUANTUM CORP                COM DSSG            747906204        3      325 SH       SOLE                      325        0        0
QUEST DIAGNOSTICS INC       COM                 74834L100        8      113 SH       SOLE                      113        0        0
QUESTAR CORP                COM                 748356102       77     4000 SH       SOLE                     2400        0     1600
QWEST COMMUNICATIONS INTL INCOM                 749121109        0       10 SH       SOLE                       10        0        0
R H DONNELLEY CORP          COM NEW             74955W307        0       40 SH       SOLE                        0        0       40
RALSTON PURINA CO           COM RAL-PUR GP      751277302        8      420 SH       DEFINED                     0        0      420
RAYTHEON CO                 CL A                755111309        1       55 SH       SOLE                       55        0        0
RAYTHEON CO CLASS B         COM                 755111408      216    11236 SH       SOLE                     9936        0     1300
RAYTHEON CO CLASS B         COM                 755111408       61     3200 SH       DEFINED                  3200        0        0
</TABLE>

                                       16
<PAGE>
<TABLE>
<CAPTION>

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER      TITLE OF CLASS       CUSIP    (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------  ------------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S>                         <C>                  <C>            <C>     <C>          <C>     <C>            <C>        <C>      <C>
READERS DIGEST ASSN INC     CL B                755267200       25      700 SH       DEFINED                   700        0        0
RED HAT INC                 COM                 756577102        5      200 SH       SOLE                      200        0        0
REGIONS FINL CORP           COM                 758940100       74     3760 SH       SOLE                     3760        0        0
RELIANT ENERGY INC          COM                 75952J108       32     1100 SH       DEFINED                  1100        0        0
REUTERS GROUP PLC SPNS ADR                      76132M102        9      100 SH       SOLE                      100        0        0
REYNOLDS R J TOB HLDGS INC  COM                 76182K105       10      366 SH       SOLE                      366        0        0
ROCKWELL INTL CORP NEW      COM                 773903109       29      950 SH       SOLE                      700        0      250
ROCKWELL INTL CORP NEW      COM                 773903109       15      500 SH       DEFINED                   500        0        0
ROHM & HAAS CO              COM                 775371107       87     2538 SH       SOLE                     2238        0      300
ROSS STORES INC             COM                 778296103       54     3200 SH       SOLE                     1300        0     1900
ROYAL DUTCH PETE CO         NY REG GLD1.25      780257804      669    10874 SH       SOLE                    10874        0        0
SBC COMMUNICATIONS INC                          78387G103     5190   120023 SH       SOLE                   102888      400    16735
SBC COMMUNICATIONS INC                          78387G103      567    13125 SH       DEFINED                 13125        0        0
SABRE HLDGS CORP            CL A                785905100        1       56 SH       SOLE                       56        0        0
SAFEGUARD SCIENTIFICS INC   COM                 786449108        1       50 SH       SOLE                       50        0        0
SAFESCIENCE INC             COM                 786452102        1      300 SH       SOLE                      300        0        0
ST PAUL COS INC             COM                 792860108       20      600 SH       SOLE                      600        0        0
SARA LEE CORP               COM                 803111103       41     2148 SH       SOLE                     2000        0      148
SCHERING PLOUGH CORP        COM                 806605101     2478    49076 SH       SOLE                    42340        0     6736
SCHLUMBERGER LTD            COM                 806857108      294     3950 SH       SOLE                     3950        0        0
SCHLUMBERGER LTD            COM                 806857108      197     2646 SH       DEFINED                  2646        0        0
SCOTTISH PWR PLC            SPON ADR FINAL      81013T705       95     2843 SH       SOLE                     2843        0        0
SCOTTISH PWR PLC            SPON ADR FINAL      81013T705       37     1131 SH       DEFINED                  1131        0        0
SEAGATE TECHNOLOGY          COM                 811804103       19      350 SH       SOLE                      350        0        0
SEAGRAM LTD                                     811850106       29      500 SH       DEFINED                   500        0        0
SEARS ROEBUCK & CO          COM                 812387108       65     2000 SH       SOLE                     2000        0        0
SERVICEMASTER CO            COM                 81760N109       11     1000 SH       SOLE                     1000        0        0
SHELL TRANS & TRADING PLC   NEW YRK SH NEW      822703609       29      600 SH       SOLE                        0        0      600
SHERWIN WILLIAMS CO         COM                 824348106        8      400 SH       SOLE                      400        0        0
SIERRA HEALTH SVCS INC      COM                 826322109        0      300 SH       SOLE                      300        0        0
SIMON PPTY GROUP INC NEW                        828806109       24     1122 SH       DEFINED                  1122        0        0
SKY FINL GROUP INC          COM                 83080P103       91     5761 SH       SOLE                     5761        0        0
SMITHKLINE BEECHAM PLC ORD AADR                 832378301        6      100 SH       SOLE                        0        0      100
</TABLE>

                                       17
<PAGE>
<TABLE>
<CAPTION>

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER      TITLE OF CLASS       CUSIP    (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------  ------------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S>                         <C>                  <C>            <C>     <C>          <C>     <C>            <C>        <C>      <C>
SMURFIT-STONE CONTAINER CORPCOM                 832727101        1      100 SH       SOLE                      100        0        0
SOLECTRON CORP              COM                 834182107     1285    30700 SH       SOLE                    29100        0     1600
SOLECTRON CORP              COM                 834182107      175     4200 SH       DEFINED                  4200        0        0
SOLUTIA INC                 COM                 834376105       29     2144 SH       DEFINED                  2144        0        0
SONOCO PRODS CO             COM                 835495102        5      250 SH       SOLE                      250        0        0
SOUTHDOWN INC               COM                 841297104       80     1400 SH       SOLE                      900        0      500
SOUTHTRUST CORP             COM                 844730101       58     2600 SH       SOLE                     2600        0        0
SOUTHWEST AIRLS CO          COM                 844741108       14      750 SH       SOLE                      750        0        0
SPRINT CORP                 COM FON GROUP       852061100      221     4338 SH       SOLE                     3248        0     1090
SPRINT CORP                 PCS COM SER 1       852061506      134     2268 SH       SOLE                     1624        0      644
STANDEX INTL CORP           COM                 854231107        4      300 SH       SOLE                      300        0        0
STANLEY WKS                 COM                 854616109       28     1200 SH       SOLE                      600        0      600
STAPLES INC                 COM                 855030102       16     1050 SH       SOLE                     1050        0        0
STARWOOD HOTELS&RESORTS WRLDPAIRED CTF          85590A203       81     2500 SH       DEFINED                  2500        0        0
STATE STR CORP              COM                 857477103      145     1372 SH       DEFINED                  1372        0        0
STORAGE TECHNOLOGY CORP     COM PAR $0.10       862111200       16     1500 SH       DEFINED                  1500        0        0
STRYKER CORP                COM                 863667101       48     1100 SH       SOLE                        0        0     1100
SUFFOLK BANCORP             COM                 864739107      155     5972 SH       SOLE                     5972        0        0
SUN MICROSYSTEMS INC        COM                 866810104    11077   121820 SH       SOLE                    97170      200    24450
SUN MICROSYSTEMS INC        COM                 866810104      547     6025 SH       DEFINED                  5900        0      125
SUNOCO INC                                      86764P109       10      359 SH       SOLE                      359        0        0
SUNRISE TECHNOLOGIES INTL INCOM                 86769L103        1      100 SH       SOLE                      100        0        0
SUNTRUST BKS INC            COM                 867914103      459    10066 SH       SOLE                     9666        0      400
SUNTRUST BKS INC            COM                 867914103       13      300 SH       DEFINED                     0        0      300
SUPERVALU INC               COM                 868536103        7      400 SH       SOLE                      400        0        0
SYNOVUS FINL CORP           COM                 87161C105       11      675 SH       SOLE                        0        0      675
SYSCO CORP                  COM                 871829107       29      700 SH       SOLE                        0        0      700
TCW/DW TERM TRUST 2002                          87234T101       30     3388 SH       SOLE                     3388        0        0
TECO ENERGY INC             COM                 872375100      278    13900 SH       SOLE                    12700        0     1200
TECO ENERGY INC             COM                 872375100        4      200 SH       DEFINED                   200        0        0
TJX COS INC NEW             COM                 872540109       71     3800 SH       SOLE                     2700        0     1100
TRW INC                     COM                 872649108       41      960 SH       SOLE                      320        0      640
TXU CORP COM                                    873168108       11      400 SH       SOLE                        0        0      400
</TABLE>

                                       18
<PAGE>
<TABLE>
<CAPTION>

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER      TITLE OF CLASS       CUSIP    (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------  ------------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S>                         <C>                  <C>            <C>     <C>          <C>     <C>            <C>        <C>      <C>
TECH DATA CORP              COM                 878237106        6      150 SH       SOLE                      150        0        0
TECHNICLONE CORP            COM NEW             878517309        0      200 SH       SOLE                      200        0        0
TELEFONOS DE MEXICO SA ADR  NOVINATIVE          879403400       45    16402 SH       SOLE                    16402        0        0
TELEFONOS DE MEXICO S A     SPON ADR ORD L      879403780       34      600 SH       SOLE                      600        0        0
TELEFONOS DE MEXICO S A     SPON ADR ORD L      879403780       34      600 SH       DEFINED                   600        0        0
TERAYON COMMUNICATION SYS   COM                 880775101        2       40 SH       SOLE                        0        0       40
TEXACO INC                  COM                 881694103       91     1726 SH       SOLE                     1726        0        0
TEXACO INC                  COM                 881694103       78     1472 SH       DEFINED                  1200        0      272
TEXAS INDS INC              COM                 882491103        8      300 SH       SOLE                      300        0        0
THERMO INSTR SYS INC        COM                 883559106       22     1200 SH       SOLE                     1200        0        0
THOMAS & BETTS CORP         COM                 884315102        2      150 SH       SOLE                      150        0        0
3DFX INTERACTIVE INC        COM                 88553X103        4      600 SH       SOLE                      600        0        0
TOLL BROTHERS INC           COM                 889478103       57     2800 SH       SOLE                     1500        0     1300
TOMPKINS TRUSTCO INC                            890110109    25921  1047334 SH       SOLE                  1027076     6250    14008
TOMPKINS TRUSTCO INC                            890110109     1871    75597 SH       DEFINED                 75597        0        0
TOYS R US INC               COM                 892335100       56     3900 SH       DEFINED                  3900        0        0
TRANSACT TECHNOLOGIES                           892918103        7      700 SH       SOLE                      700        0        0
TRI CONTL CORP              COM                 895436103       30     1196 SH       SOLE                      730        0      466
TRI CONTL CORP              COM                 895436103        5      217 SH       DEFINED                   217        0        0
TRIBUNE CO NEW              COM                 896047107       14      400 SH       SOLE                      400        0        0
TRINITY INDS INC            COM                 896522109       39     2150 SH       SOLE                     1950        0      200
TUPPERWARE CORP             COM                 899896104        4      224 SH       SOLE                      224        0        0
24 / 7 MEDIA INC            COM                 901314104        3      200 SH       SOLE                      200        0        0
TYCO INTL LTD NEW COM                           902124106     1575    33268 SH       SOLE                    30418        0     2850
TYCO INTL LTD NEW COM                           902124106       90     1900 SH       DEFINED                  1900        0        0
TYSON FOODS INC             CL A                902494103        4      500 SH       SOLE                      500        0        0
USX MARATHON GROUP          COM NEW             902905827       42     1700 SH       DEFINED                  1700        0        0
US BANCORP DEL              COM                 902973106       44     2325 SH       SOLE                     2325        0        0
UNICOM CORP                 COM                 904911104       58     1500 SH       DEFINED                  1500        0        0
UNION CARBIDE CORP          COM                 905581104       22      450 SH       SOLE                      450        0        0
UNION PAC CORP              COM                 907818108       56     1513 SH       SOLE                     1500        0       13
UNION PAC CORP              COM                 907818108       16      450 SH       DEFINED                   450        0        0
UNION PAC RES GROUP INC     COM                 907834105       23     1088 SH       SOLE                     1077        0       11
</TABLE>

                                       19
<PAGE>
<TABLE>
<CAPTION>

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER      TITLE OF CLASS       CUSIP    (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------  ------------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S>                         <C>                  <C>            <C>     <C>          <C>     <C>            <C>        <C>      <C>
U S WEST INC NEW            COM                 91273H101      470     5491 SH       SOLE                     4342        0     1149
U S WEST INC NEW            COM                 91273H101       10      127 SH       DEFINED                   127        0        0
UNITED TECHNOLOGIES CORP    COM                 913017109      652    11077 SH       SOLE                    10827      250        0
UNITED TECHNOLOGIES CORP    COM                 913017109       17      300 SH       DEFINED                   300        0        0
UNITEDHEALTH GROUP INC                          91324P102      120     1400 SH       DEFINED                  1400        0        0
UNIVERSAL FOODS CORP        COM                 913538104       24     1300 SH       SOLE                        0        0     1300
UNIVISION COMMUNICATIONS INCCL A                914906102       20      200 SH       SOLE                        0        0      200
UNOCAL CORP                 COM                 915289102       26      800 SH       SOLE                      800        0        0
UNOCAL CORP                 COM                 915289102      110     3344 SH       DEFINED                  3344        0        0
UNUMPROVIDENT CORP          COM                 91529Y106       10      500 SH       DEFINED                   500        0        0
V F CORP                    COM                 918204108       21      900 SH       SOLE                      900        0        0
VAN KAMPEN AMERICAN CAPITAL MUNICIPAL TRUST     920919107       18     1400          SOLE                     1400        0        0
VAN KAMPEN TR INVT GRADE MUNCOM                 920929106       18     1400          SOLE                     1400        0        0
VAN KAMPEN TR INVT GRADE N JCOM                 920933108       36     2400          SOLE                     2400        0        0
VAN KAMPEN AMERICAN CAP                         921124103       25     2018 SH       SOLE                     2018        0        0
VERISIGN INC                COM                 92343E102      353     2000 SH       DEFINED                  2000        0        0
VERITAS SOFTWARE CO         COM                 923436109       33      300 SH       SOLE                        0        0      300
VERITAS SOFTWARE CO         COM                 923436109      262     2325 SH       DEFINED                  2325        0        0
VIACOM INC CLASS B                              925524308      147     2170 SH       DEFINED                  2170        0        0
VIGNETTE CORP               COM                 926734104      306     5900 SH       DEFINED                  5900        0        0
VIRAGEN INC                 COM                 927638106        0      200 SH       SOLE                      200        0        0
VISHAY INTERTECHNOLOGY INC  COM                 928298108       28      750 SH       SOLE                        0        0      750
VITESSE SEMICONDUCTOR CORP  COM                 928497106       36      500 SH       SOLE                        0        0      500
VODAFONE AIRTOUCH PLC       SPONSORED ADR       92857T107      161     3900 SH       SOLE                     2650        0     1250
VODAFONE AIRTOUCH PLC       SPONSORED ADR       92857T107        4      100 SH       DEFINED                   100        0        0
VOLVO AKTIEBOLAGET ADR B                        928856400        1       90 SH       SOLE                        0        0       90
VULCAN MATLS CO             COM                 929160109      258     6050 SH       SOLE                     5250        0      800
VULCAN MATLS CO             COM                 929160109       36      850 SH       DEFINED                   850        0        0
WPP GROUP PLC               SPON ADR NEW        929309300       83     1150 SH       DEFINED                  1150        0        0
WPS RESOURCES CORP          COM                 92931B106        9      300 SH       SOLE                        0        0      300
WAL MART STORES INC         COM                 931142103     3946    68500 SH       SOLE                    55700      450    12350
WAL MART STORES INC         COM                 931142103      351     6100 SH       DEFINED                  6100        0        0
WALGREEN CO                 COM                 931422109      336    10466 SH       SOLE                    10466        0        0
</TABLE>

                                       20
<PAGE>
<TABLE>
<CAPTION>

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER      TITLE OF CLASS       CUSIP    (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
--------------------------  ------------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S>                         <C>                  <C>            <C>     <C>          <C>     <C>            <C>        <C>      <C>
WASHINGTON MUT INC          COM                 939322103       80     2800 SH       DEFINED                  2800        0        0
WASHINGTON POST CO          CL B                939640108       23       50 SH       SOLE                        0        0       50
WASTE MGMT INC DEL          COM                 94106L109      127     6725 SH       DEFINED                  6725        0        0
WATSON PHARMACEUTICALS INC  COM                 942683103      146     2725 SH       SOLE                     1725        0     1000
WATSON PHARMACEUTICALS INC  COM                 942683103       77     1450 SH       DEFINED                  1450        0        0
WAUSAU-MOSINEE PAPER CORP   COM                 943315101        3      400 SH       SOLE                      400        0        0
WELLS FARGO & CO NEW        COM                 949746101      219     5662 SH       SOLE                      530        0     5132
WENDYS INTL INC             COM                 950590109       35     2000 SH       SOLE                      800        0     1200
WESTERN RES INC             COM                 959425109       17     1100 SH       SOLE                        0        0     1100
WESTVACO CORP               COM                 961548104        6      270 SH       SOLE                      270        0        0
WHIRLPOOL CORP              COM                 963320106        9      200 SH       SOLE                      200        0        0
WILMINGTON TRUST CORP       COM                 971807102       29      700 SH       SOLE                        0        0      700
WISCONSIN ENERGY CORP       COM                 976657106       11      560 SH       SOLE                      260        0      300
WORLDCOM INC GA NEW         COM                 98157D106      227     4960 SH       SOLE                     4550        0      410
WORLDCOM INC GA NEW         COM                 98157D106      438     9550 SH       DEFINED                  9550        0        0
WORTHINGTON INDS INC        COM                 981811102        0       52 SH       SOLE                       52        0        0
XILINX INC                  COM                 983919101       41      500 SH       SOLE                        0        0      500
XEROX CORP                  COM                 984121103       25     1216 SH       SOLE                     1216        0        0
XEROX CORP                  COM                 984121103       20     1000 SH       DEFINED                  1000        0        0
ZIONS BANCORPORATION        COM                 989701107       45     1000 SH       SOLE                     1000        0        0
                                                            ------  -------                                -------    -----   ------
 GRAND TOTALS                                               298054  6427760                                5931063    17100   479597
                                                            ======  =======                                =======    =====   ======
</TABLE>

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