TOMPKINS TRUSTCO INC
13F-HR, 2001-01-17
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        5      124 SH       SOLE                      124        0        0
GLOBAL CROSSING LTD         COM                 G3921A100       58     4089 SH       SOLE                     4014        0       75
TRANSOCEAN SEDCO FOREX INC  ORD                 G90078109      468    10185 SH       SOLE                    10110        0       75
TRANSOCEAN SEDCO FOREX INC  ORD                 G90078109       50     1100 SH       DEFINED                  1100        0        0
A D C TELECOMMUNICATIONS    COM                 000886101        2      128 SH       SOLE                      128        0        0
AFLAC INC                   COM                 001055102     1508    20900 SH       SOLE                    17800        0     3100
AGL RES INC                 COM                 001204106        2      100 SH       SOLE                      100        0        0
AES CORP                    COM                 00130H105      348     6300 SH       DEFINED                  6300        0        0
AMR CORP                    COM                 001765106        3       78 SH       SOLE                       78        0        0
AT&T CORP COMMON                                001957109     2643   153246 SH       SOLE                   143071        0    10175
AT&T CORP COMMON                                001957109     5626   326200 SH       DEFINED                326200        0        0
AT&T CORP                   COM WIRLES GRP      001957406        0       50 SH       SOLE                       50        0        0
ABBOTT LABS                 COM                 002824100      768    15862 SH       SOLE                    12062        0     3800
ACNIELSEN CORP              COM                 004833109        2       67 SH       SOLE                        0        0       67
ACXIOM CORP                 COM                 005125109       27      700 SH       SOLE                        0        0      700
ADAPTEC INC                 COM                 00651F108        8      825 SH       SOLE                      825        0        0
ADOBE SYS INC               COM                 00724F101     1624    27925 SH       SOLE                    25725        0     2200
ADOBE SYS INC               COM                 00724F101      308     5300 SH       DEFINED                  5300        0        0
ADVEST GROUP INC            COM                 007566102       10      300 SH       SOLE                      300        0        0
ADVANCED MICRO DEVICES INC  COM                 007903107        1      100 SH       SOLE                      100        0        0
AETNA INC NEW               COM                 00817Y108        8      200 SH       SOLE                      200        0        0
AETNA INC NEW               COM                 00817Y108       45     1110 SH       DEFINED                  1110        0        0
AGILENT TECHNOLOGIES INC    COM                 00846U101      114     2093 SH       SOLE                     1865        0      228
AGILENT TECHNOLOGIES INC    COM                 00846U101        5       95 SH       DEFINED                     0        0       95
AGRIBRANDS INTERNATIONAL INC                    00849R105        0       14 SH       DEFINED                     0        0       14
AIR PRODS & CHEMS INC       COM                 009158106        4      100 SH       SOLE                      100        0        0
ALBERTO CULVER CO           CL B CONV           013068101       17      400 SH       SOLE                      400        0        0
ALBERTO CULVER CO           CL A                013068200      134     3700 SH       SOLE                     2600        0     1100
ALBERTSONS INC              COM                 013104104      182     6900 SH       SOLE                     6900        0        0
ALBERTSONS INC              COM                 013104104       94     3550 SH       DEFINED                  3550        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       17      525 SH       SOLE                      525        0        0
ALCOA INC                   COM                 013817101      715    21350 SH       SOLE                    21150        0      200
ALCOA INC                   COM                 013817101      147     4400 SH       DEFINED                  4400        0        0
ALCATEL                     SPONSORED ADR       013904305        2       50 SH       SOLE                       50        0        0
ALLEGHENY ENERGY INC        COM                 017361106       31      650 SH       SOLE                      250        0      400
ALLSTATE CORP               COM                 020002101      176     4048 SH       SOLE                     4048        0        0
ALLTEL CORP                 COM                 020039103      567     9092 SH       SOLE                     8507        0      585
ALLTEL CORP                 COM                 020039103      149     2400 SH       DEFINED                  2400        0        0
ALTERA CORP                 COM                 021441100       21      800 SH       SOLE                        0        0      800
ALTERA CORP                 COM                 021441100      186     7100 SH       DEFINED                  7100        0        0
AMAZON COM INC              COM                 023135106       73     4700 SH       DEFINED                  4700        0        0
AMBAC FINL GROUP INC        COM                 023139108       87     1500 SH       SOLE                      600        0      900
AMERADA HESS CORP           COM                 023551104       36      500 SH       DEFINED                   500        0        0
AMEREN CORP                 COM                 023608102       60     1312 SH       SOLE                      812        0      500
AMERICA ONLINE INC DEL      COM                 02364J104      167     4820 SH       SOLE                     4770        0       50
AMERICA ONLINE INC DEL      COM                 02364J104      322     9275 SH       DEFINED                  9275        0        0
AMERICAN ELEC PWR INC       COM                 025537101      180     3884 SH       SOLE                     3884        0        0
AMERICAN ELEC PWR INC       COM                 025537101       12      276 SH       DEFINED                   276        0        0
AMERICAN EXPRESS CO         COM                 025816109     2010    36600 SH       SOLE                    34750      300     1550
AMERICAN EXPRESS CO         COM                 025816109      148     2700 SH       DEFINED                  2700        0        0
AMERICAN GENERAL CORP       COM                 026351106        8      105 SH       SOLE                      105        0        0
AMERICAN GENERAL CORP       COM                 026351106       73      900 SH       DEFINED                   900        0        0
AMERICAN HOME PRODS CORP    COM                 026609107      621     9788 SH       SOLE                     9788        0        0
AMERICAN HOME PRODS CORP    COM                 026609107      489     7700 SH       DEFINED                  7700        0        0
AMERICAN INTL GROUP INC     COM                 026874107     4576    46437 SH       SOLE                    44059        0     2378
AMERICAN INTL GROUP INC     COM                 026874107     1039    10550 SH       DEFINED                 10550        0        0
AMERICAN PWR CONVERSION CORPCOM                 029066107       47     3850 SH       SOLE                     2650        0     1200
AMERICAN STD COS INC DEL    COM                 029712106        6      140 SH       SOLE                      140        0        0
AMERICAN SUPERCONDUCTOR CORPCOM                 030111108       11      400 SH       SOLE                      400        0        0
AMERICAN WTR WKS INC        COM                 030411102        2      100 SH       SOLE                      100        0        0
AMGEN INC                   COM                 031162100       34      540 SH       SOLE                      540        0        0
ANADARKO PETE CORP          COM                 032511107       35      493 SH       SOLE                      488        0        5
ANALOG DEVICES INC          COM                 032654105      626    12250 SH       SOLE                    11650        0      600
ANALOG DEVICES INC          COM                 032654105      122     2400 SH       DEFINED                  2400        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     1883    41386 SH       SOLE                    36586        0     4800
ANHEUSER BUSCH COS INC      COM                 035229103      525    11548 SH       DEFINED                 11548        0        0
AON CORP                    COM                 037389103       41     1200 SH       DEFINED                  1200        0        0
ARROW ELECTRS INC           COM                 042735100        7      275 SH       SOLE                      275        0        0
ARROW FINL CORP             COM                 042744102       12      635 SH       SOLE                      635        0        0
ASHLAND INC                 COM                 044204105        1       50 SH       SOLE                       50        0        0
AT HOME CORP                COM SER A           045919107        9     1700 SH       SOLE                     1700        0        0
AUTODESK INC                COM                 052769106       26     1000 SH       SOLE                        0        0     1000
AUTOMATIC DATA PROCESSING                       053015103       92     1468 SH       SOLE                     1360        0      108
AUTOMATIC DATA PROCESSING                       053015103      126     2000 SH       DEFINED                  2000        0        0
AVAYA INC                   COM                 053499109       71     6917 SH       SOLE                     6680        0      237
AVAYA INC                   COM                 053499109      238    23119 SH       DEFINED                 23119        0        0
AVERY DENNISON CORP         COM                 053611109       36      660 SH       SOLE                      260        0      400
AVNET INC                   COM                 053807103        4      200 SH       SOLE                      200        0        0
AVON PRODS INC              COM                 054303102      726    15175 SH       SOLE                    14775        0      400
AVON PRODS INC              COM                 054303102      214     4475 SH       DEFINED                  4475        0        0
BB&T CORP                   COM                 054937107      261     7000 SH       SOLE                     6400        0      600
BISYS GROUP INC             COM                 055472104       26      500 SH       SOLE                        0        0      500
BP AMOCO P L C              SPONSORED ADR       055622104      586    12258 SH       SOLE                    11812        0      446
BP AMOCO P L C              SPONSORED ADR       055622104      223     4659 SH       DEFINED                  4659        0        0
BAKER HUGHES INC            COM                 057224107       29      700 SH       DEFINED                   700        0        0
BANK OF AMERICA CORPORATION COM                 060505104        8      183 SH       SOLE                      183        0        0
BANK OF AMERICA CORPORATION COM                 060505104       36      800 SH       DEFINED                   800        0        0
BANK NEW YORK INC           COM                 064057102      571    10360 SH       SOLE                    10360        0        0
BANK ONE CORP               COM                 06423A103      166     4552 SH       SOLE                      910        0     3642
BANK ONE CORP               COM                 06423A103      146     4012 SH       DEFINED                  4012        0        0
BANKNORTH GROUP INC NEW                         06646R107      155     7803 SH       SOLE                     7803        0        0
BARD C R INC                COM                 067383109       27      600 SH       SOLE                      600        0        0
BARR LABS INC               COM                 068306109       36      500 SH       SOLE                        0        0      500
BAXTER INTL INC             COM                 071813109        8      100 SH       SOLE                      100        0        0
BEA SYS INC                 COM                 073325102      232     3750 SH       DEFINED                  3750        0        0
BEAR STEARNS COS INC        COM                 073902108       31      630 SH       DEFINED                   630        0        0
BECTON DICKINSON & CO       COM                 075887109      332     9600 SH       SOLE                     7600        0     2000
</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>
BED BATH & BEYOND INC       COM                 075896100       29     1300 SH       SOLE                        0        0     1300
BELDEN INC                  COM                 077459105        2      100 SH       SOLE                      100        0        0
BELLSOUTH CORP              COM                 079860102     2066    50483 SH       SOLE                    41283      350     8850
BELLSOUTH CORP              COM                 079860102      184     4514 SH       DEFINED                  4514        0        0
BERGEN BRUNSWIG CORP        CL A                083739102        8      565 SH       SOLE                      565        0        0
BERKSHIRE HATHAWAY INC DEL  CL A                084670108       71        1 SH       SOLE                        1        0        0
BERKSHIRE HATHAWAY INC DEL  CL B                084670207       68       29 SH       SOLE                       29        0        0
BERKSHIRE HATHAWAY INC DEL  CL B                084670207       61       26 SH       DEFINED                    26        0        0
BIOGEN INC                  COM                 090597105      689    11475 SH       SOLE                     6475        0     5000
BIOGEN INC                  COM                 090597105      108     1800 SH       DEFINED                  1800        0        0
BLACK & DECKER CORP         COM                 091797100       27      700 SH       DEFINED                   700        0        0
BLOCK H & R INC             COM                 093671105        0       18 SH       SOLE                        0        0       18
BLOCK H & R INC             COM                 093671105       39      950 SH       DEFINED                   950        0        0
BOEING CO                   COM                 097023105       26      409 SH       SOLE                      309        0      100
BRINKER INTL INC            COM                 109641100       33      800 SH       SOLE                        0        0      800
BRISTOL MYERS SQUIBB CO     COM                 110122108     3771    51012 SH       SOLE                    44912        0     6100
BRISTOL MYERS SQUIBB CO     COM                 110122108     1332    18028 SH       DEFINED                 18028        0        0
BROADCOM CORP               CL A                111320107       92     1100 SH       DEFINED                  1100        0        0
BROADWING INC               COM                 111620100       34     1516 SH       SOLE                     1516        0        0
BROWN FORMAN CORP           CL B                115637209       13      200 SH       SOLE                      200        0        0
BROWN FORMAN CORP           CL B                115637209       66     1000 SH       DEFINED                  1000        0        0
BURLINGTON NORTHN SANTA FE CCOM                 12189T104       28      995 SH       SOLE                      995        0        0
BURLINGTON RES INC          COM                 122014103       61     1220 SH       SOLE                     1220        0        0
CDW COMPUTER CTRS INC       COM                 125129106       59     2150 SH       SOLE                     1750        0      400
CIGNA CORP                  COM                 125509109       69      525 SH       SOLE                      525        0        0
CIGNA HIGH INCOME SHS       SH BEN INT          12551D109        1      397 SH       SOLE                      397        0        0
CSX CORP                    COM                 126408103       41     1600 SH       SOLE                     1600        0        0
CSX CORP                    COM                 126408103       22      850 SH       DEFINED                   850        0        0
CABOT CORP                  COM                 127055101        5      200 SH       SOLE                      200        0        0
CABOT CORP                  COM                 127055101       15      586 SH       DEFINED                   586        0        0
CABOT MICROELECTRONICS CORP COM                 12709P103        8      164 SH       DEFINED                   164        0        0
CAMPBELL SOUP CO            COM                 134429109       55     1600 SH       SOLE                     1600        0        0
CAMPBELL SOUP CO            COM                 134429109       31      900 SH       DEFINED                   900        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>
CANADIAN PAC LTD NEW        COM                 135923100       31     1100 SH       SOLE                     1100        0        0
CARDINAL HEALTH INC         COM                 14149Y108      522     5246 SH       SOLE                     2481      450     2315
CARDINAL HEALTH INC         COM                 14149Y108      352     3537 SH       DEFINED                  3537        0        0
CARNIVAL CORP                                   143658102      165     5370 SH       SOLE                     4170        0     1200
CATERPILLAR INC DEL         COM                 149123101       47     1000 SH       SOLE                     1000        0        0
CATERPILLAR INC DEL         COM                 149123101        9      200 SH       DEFINED                     0        0      200
CENDANT CORP                COM                 151313103        3      400 SH       SOLE                      400        0        0
CENTEX CORP                 COM                 152312104        7      200 SH       SOLE                      200        0        0
CENTRAL SECS CORP           COM                 155123102       19      694 SH       DEFINED                     0        0      694
CHASE MANHATTAN CORP NEW    COM                 16161A108     1308    28799 SH       SOLE                    27399      300     1100
CHASE MANHATTAN CORP NEW    COM                 16161A108      369     8125 SH       DEFINED                  8125        0        0
CHEVRON CORPORATION         COM                 166751107     1110    13156 SH       SOLE                    12936        0      220
CHEVRON CORPORATION         COM                 166751107      109     1300 SH       DEFINED                  1300        0        0
CHUBB CORP                  COM                 171232101       39      455 SH       SOLE                      455        0        0
CHUBB CORP                  COM                 171232101       25      300 SH       DEFINED                   300        0        0
CIENA CORP                  COM                 171779101       89     1100 SH       DEFINED                  1100        0        0
CINERGY CORP                COM                 172474108       14      400 SH       SOLE                      400        0        0
CISCO SYS INC               COM                 17275R102     2214    57900 SH       SOLE                    54650        0     3250
CISCO SYS INC               COM                 17275R102      757    19800 SH       DEFINED                 18900        0      900
CINTAS CORP                 COM                 172908105       37      700 SH       SOLE                        0        0      700
CITIGROUP INC                                   172967101     2239    43854 SH       SOLE                    41705        0     2149
CITIGROUP INC                                   172967101      481     9439 SH       DEFINED                  9439        0        0
CLARCOR INC                 COM                 179895107      114     5550 SH       SOLE                     5250        0      300
CLOROX CO DEL               COM                 189054109      508    14326 SH       SOLE                    12526        0     1800
CLOROX CO DEL               COM                 189054109       42     1200 SH       DEFINED                  1200        0        0
COCA COLA CO                COM                 191216100     1660    27257 SH       SOLE                    26089        0     1168
COCA COLA CO                COM                 191216100      149     2450 SH       DEFINED                  2450        0        0
COHU INC                    COM                 192576106        8      600 SH       SOLE                        0        0      600
COLGATE PALMOLIVE CO        COM                 194162103      103     1600 SH       SOLE                     1600        0        0
COLGATE PALMOLIVE CO        COM                 194162103      154     2400 SH       DEFINED                  2400        0        0
COMMERCE BANCSHARES                             200525103       31      735 SH       SOLE                        0        0      735
COMMERCE ONE INC DEL        COM                 200693109      124     4900 SH       DEFINED                  4900        0        0
COMMERCIAL METALS CO        COM                 201723103       16      730 SH       SOLE                      730        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>
COMMUNICATION INTELLIGENCE NCOM                 20338K106        1     1600 SH       SOLE                     1600        0        0
COMPASS BANCSHARES INC      COM                 20449H109        7      300 SH       SOLE                      300        0        0
COMPAQ COMPUTER CORP        COM                 204493100      855    56874 SH       SOLE                    44474      300    12100
COMPAQ COMPUTER CORP        COM                 204493100       90     6000 SH       DEFINED                  6000        0        0
CONAGRA FOODS INC           COM                 205887102       13      500 SH       SOLE                      500        0        0
CONCORD EFS INC             COM                 206197105       26      600 SH       SOLE                        0        0      600
CONEXANT SYSTEMS INC        COM                 207142100       15     1000 SH       SOLE                      600        0      400
CONOCO INC                  CL A                208251306       38     1350 SH       SOLE                     1350        0        0
CONOCO INC                  CL B                208251405       35     1225 SH       SOLE                      700        0      525
CONOCO INC                  CL B                208251405       52     1800 SH       DEFINED                  1800        0        0
CONSOLIDATED EDISON INC                         209115104       51     1332 SH       SOLE                     1332        0        0
CONSTELLATION ENERGY CORP   COM                 210371100       13      300 SH       SOLE                      300        0        0
CONVERGYS CORP              COM                 212485106       35      791 SH       SOLE                      791        0        0
COOPER INDS INC             COM                 216669101       73     1600 SH       SOLE                     1400        0      200
COOPER TIRE & RUBR CO       COM                 216831107        5      560 SH       SOLE                      560        0        0
COOPER TIRE & RUBR CO       COM                 216831107       84     8000 SH       DEFINED                  8000        0        0
CORIXA CORP                 COM                 21887F100       14      513 SH       SOLE                        0        0      513
CORN PRODS INTL INC         COM                 219023108        2       75 SH       SOLE                       75        0        0
CORNING INC                 COM                 219350105      296     5618 SH       SOLE                     5518        0      100
COSTCO WHSL CORP NEW        COM                 22160K105       31      800 SH       SOLE                      800        0        0
COVANCE INC                 COM                 222816100        2      226 SH       SOLE                      226        0        0
CRANE CO                    COM                 224399105       31     1100 SH       SOLE                        0        0     1100
CREE INC                    COM                 225447101      240     6775 SH       SOLE                     6775        0        0
CROWN CORK & SEAL CO INCORP                     228255105        1      250 SH       SOLE                      250        0        0
CYTEC INDS INC              COM                 232820100       11      276 SH       SOLE                      276        0        0
DQE INC                     COM                 23329J104       16      500 SH       SOLE                      500        0        0
DST SYS INC DEL             COM                 233326107       26      400 SH       SOLE                        0        0      400
DALLAS SEMICONDUCTOR CORP   COM                 235204104      117     4600 SH       SOLE                     3000        0     1600
DANA CORP                   COM                 235811106        4      300 SH       SOLE                      300        0        0
DANAHER CORP DEL            COM                 235851102       27      400 SH       DEFINED                   400        0        0
DEERE & CO                  COM                 244199105       38      850 SH       SOLE                      850        0        0
DELHAIZE AMER INC           CL A                246688105       10      622 SH       SOLE                      622        0        0
DELL COMPUTER CORP          COM                 247025109       36     2100 SH       SOLE                     2075        0       25
DELL COMPUTER CORP          COM                 247025109      183    10500 SH       DEFINED                 10500        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>
DELPHI AUTOMOTIVE SYS CORP  COM                 247126105       17     1559 SH       SOLE                     1559        0        0
DEVON ENERGY CORP NEW       COM                 25179M103       42      700 SH       SOLE                        0        0      700
DIAMOND OFFSHORE DRILLING INCOM                 25271C102        6      150 SH       SOLE                      150        0        0
DIONEX CORP                 COM                 254546104       27      800 SH       SOLE                        0        0      800
DISNEY WALT CO              COM DISNEY          254687106      256     8851 SH       SOLE                     8649        0      202
DISNEY WALT CO              COM DISNEY          254687106      179     6200 SH       DEFINED                  6200        0        0
DOMINION RES INC VA NEW     COM                 25746U109       17      266 SH       SOLE                      266        0        0
DONNELLEY R R & SONS CO     COM                 257867101       21      800 SH       SOLE                      800        0        0
DONNELLEY R R & SONS CO     COM                 257867101       94     3500 SH       DEFINED                  3500        0        0
DOVER CORP                  COM                 260003108      202     5000 SH       SOLE                     5000        0        0
DOW CHEM CO                 COM                 260543103      140     3832 SH       SOLE                     3832        0        0
DOW CHEM CO                 COM                 260543103      421    11514 SH       DEFINED                 11514        0        0
DOW JONES & CO INC          COM                 260561105       28      500 SH       DEFINED                   500        0        0
DU PONT E I DE NEMOURS & CO COM                 263534109     2017    41761 SH       SOLE                    39031      300     2430
DU PONT E I DE NEMOURS & CO COM                 263534109      349     7227 SH       DEFINED                  7227        0        0
DUKE ENERGY CORP COM                            264399106     3331    39078 SH       SOLE                    37578      200     1300
DUKE ENERGY CORP COM                            264399106      204     2400 SH       DEFINED                  2400        0        0
DUN & BRADSTREET CORP DEL NECOM                 26483E100        2      100 SH       SOLE                        0        0      100
DYNEGY INC NEW              CL A                26816Q101       28      500 SH       SOLE                        0        0      500
E M C CORP MASS             COM                 268648102     2551    38375 SH       SOLE                    36195      300     1880
E M C CORP MASS             COM                 268648102      166     2500 SH       DEFINED                  2500        0        0
ENSCO INTERNATIONAL                             26874Q100       30      900 SH       SOLE                        0        0      900
EASTMAN CHEM CO             COM                 277432100       51     1057 SH       SOLE                     1057        0        0
EASTMAN KODAK CO            COM                 277461109       82     2085 SH       SOLE                     2085        0        0
EASTMAN KODAK CO            COM                 277461109      128     3264 SH       DEFINED                  3264        0        0
EATON CORP                  COM                 278058102       30      400 SH       SOLE                      400        0        0
EATON CORP                  COM                 278058102       48      650 SH       DEFINED                   650        0        0
EDWARDS AG INC              COM                 281760108     1102    23250 SH       SOLE                    18600        0     4650
EDWARDS AG INC              COM                 281760108      213     4500 SH       DEFINED                  4500        0        0
EL PASO ENERGY CORP DEL     COM                 283905107       91     1284 SH       SOLE                     1284        0        0
EL PASO ENERGY CORP DEL     COM                 283905107       78     1098 SH       DEFINED                  1098        0        0
ELAN PLC ADR                                    284131208        5      100 SH       SOLE                      100        0        0
ELECTRONIC DATA SYS NEW     COM                 285661104      636    11028 SH       SOLE                    11028        0        0
ELECTRONIC DATA SYS NEW     COM                 285661104      109     1900 SH       DEFINED                  1900        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>
EMERSON ELEC CO             COM                 291011104     1070    13588 SH       SOLE                    11388        0     2200
EMERSON ELEC CO             COM                 291011104      126     1600 SH       DEFINED                  1600        0        0
ENERGY EAST CORP            COM                 29266M109       58     2964 SH       SOLE                     2964        0        0
ENERGIZER HLDGS INC         COM                 29266R108        2      140 SH       DEFINED                     0        0      140
ENERGY PARTNERS LTD         COM                 29270U105        1      100 SH       SOLE                        0        0      100
ENRON CORP                                      293561106     1901    22873 SH       SOLE                    21123        0     1750
ENRON CORP                                      293561106      380     4575 SH       DEFINED                  4375      200        0
EQUITABLE RES INC           COM                 294549100       50      757 SH       SOLE                      757        0        0
EXELON CORP                 COM                 30161N101       70     1000 SH       SOLE                        0        0     1000
EXODUS COMMUNICATIONS INC   COM                 302088109        6      300 SH       SOLE                      300        0        0
EXODUS COMMUNICATIONS INC   COM                 302088109      172     8600 SH       DEFINED                  8600        0        0
EXXON MOBIL CORP            COM                 30231G102    11982   137837 SH       SOLE                   123912      400    13525
EXXON MOBIL CORP            COM                 30231G102     2425    27902 SH       DEFINED                 27554        0      348
F M C CORP                  COM NEW             302491303        1       25 SH       SOLE                       25        0        0
FPL GROUP INC               COM                 302571104       35      500 SH       SOLE                      300        0      200
FREDDIE MAC COM             COM                 313400301       13      200 SH       DEFINED                   200        0        0
FEDERAL NATL MTG ASSN       COM                 313586109      151     1750 SH       SOLE                     1750        0        0
FEDERAL NATL MTG ASSN       COM                 313586109      175     2025 SH       DEFINED                  2025        0        0
FEDERAL SIGNAL CORP         COM                 313855108      117     6006 SH       SOLE                     4406        0     1600
FEDERAL SIGNAL CORP         COM                 313855108      160     8165 SH       DEFINED                  8165        0        0
FEDERATED DEPT STORES INC DECOM                 31410H101       10      300 SH       SOLE                      300        0        0
FIFTH THIRD BANCORP         COM                 316773100      902    15111 SH       SOLE                    10861      900     3350
FIFTH THIRD BANCORP         COM                 316773100      119     2000 SH       DEFINED                  2000        0        0
FIRST ALBANY COS INC        COM                 318465101        0      110 SH       SOLE                      110        0        0
FIRST UN CORP               COM                 337358105       22      794 SH       SOLE                      794        0        0
FIRST UN CORP               COM                 337358105       30     1100 SH       DEFINED                  1100        0        0
FISERV INC                  COM                 337738108       21      450 SH       SOLE                        0        0      450
FIRSTENERGY CORP            COM                 337932107       33     1050 SH       SOLE                      550        0      500
FLEETBOSTON FINL CORP                           339030108       32      862 SH       SOLE                      862        0        0
FLEETBOSTON FINL CORP                           339030108      141     3779 SH       DEFINED                  3779        0        0
FLUOR CORP                  COM                 343412102        1       40 SH       DEFINED                    40        0        0
FORD MOTOR CO                                   345370860       26     1118 SH       SOLE                      734        0      384
FORD MOTOR CO                                   345370860       28     1200 SH       DEFINED                  1200        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>
FOREST LABS INC             COM                 345838106      205     1550 SH       SOLE                     1250        0      300
FRANCHISE FIN CORP AMER                         351807102       15      779 SH       SOLE                      779        0        0
GATX CORP                   COM                 361448103       49     1000 SH       SOLE                     1000        0        0
GPU INC                     COM                 36225X100        0       12 SH       SOLE                       12        0        0
GANNETT INC                 COM                 364730101      989    15698 SH       SOLE                    13948        0     1750
GANNETT INC                 COM                 364730101      170     2700 SH       DEFINED                  2700        0        0
GAP INC DEL                 COM                 364760108       36     1450 SH       SOLE                     1450        0        0
GATEWAY INC                 COM                 367626108       90     5050 SH       SOLE                     2600        0     2450
GATEWAY INC                 COM                 367626108       89     5000 SH       DEFINED                  5000        0        0
GENERAL ELEC CO             COM                 369604103    17150   357831 SH       SOLE                   301667     1200    54964
GENERAL ELEC CO             COM                 369604103     2079    43394 SH       DEFINED                 43394        0        0
GENERAL MLS INC             COM                 370334104      405     9090 SH       SOLE                     9090        0        0
GENERAL MLS INC             COM                 370334104      421     9468 SH       DEFINED                  9468        0        0
GENERAL MTRS CORP           COM                 370442105      170     3338 SH       SOLE                     3338        0        0
GENERAL MTRS CORP           COM                 370442105       35      700 SH       DEFINED                   700        0        0
GENUINE PARTS CO            COM                 372460105      121     4660 SH       SOLE                     3685        0      975
GENUINE PARTS CO            COM                 372460105       23      900 SH       DEFINED                   900        0        0
GENZYME CORP                COM GENL DIV        372917104        8      100 SH       SOLE                      100        0        0
GEORGIA PACIFIC CORP                            373298108       81     2626 SH       SOLE                     2626        0        0
GEORGIA PACIFIC CORP                            373298108        4      132 SH       DEFINED                   132        0        0
GEORGIA PACIFIC TIMBER GROUP                    373298702       37     1247 SH       SOLE                     1247        0        0
GERBER SCIENTIFIC INC       COM                 373730100        8     1012 SH       SOLE                        0        0     1012
GIBRALTAR STL CORP          COM                 37476F103        1       75 SH       SOLE                       75        0        0
GILLETTE CO                 COM                 375766102      918    25425 SH       SOLE                    24575        0      850
GILLETTE CO                 COM                 375766102      315     8725 SH       DEFINED                  8725        0        0
GLAXO WELLCOME PLC          SPONSORED ADR       37733W105      198     3550 SH       SOLE                     3250        0      300
BF GOODRICH CO                                  382388106       14      390 SH       SOLE                      390        0        0
GOODYEAR TIRE & RUBR CO     COM                 382550101        2      125 SH       SOLE                      125        0        0
GRAINGER W W INC            COM                 384802104       58     1600 SH       DEFINED                  1600        0        0
GREAT LAKES CHEM CORP       COM                 390568103       92     2500 SH       DEFINED                  2500        0        0
HRPT PPTYS TR               COM SH BEN INT      40426W101        1      250 SH       SOLE                      250        0        0
HALLIBURTON CO              COM                 406216101      121     3350 SH       SOLE                     3150        0      200
HANCOCK JOHN FINL SVCS INC  COM                 41014S106       19      522 SH       DEFINED                   522        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>
HARLEY DAVIDSON INC         COM                 412822108      823    20725 SH       SOLE                    19100        0     1625
HARLEY DAVIDSON INC         COM                 412822108      178     4500 SH       DEFINED                  4500        0        0
HARSCO CORP                 COM                 415864107        6      250 SH       SOLE                      250        0        0
HARTFORD FINL SVCS GROUP INCCOM                 416515104      139     1980 SH       SOLE                     1980        0        0
HASBRO INC                  COM                 418056107       26     2500 SH       DEFINED                  2500        0        0
HAWAIIAN ELEC INDUSTRIES    COM                 419870100        7      200 SH       SOLE                      200        0        0
HEALTH MGMT SYS INC         COM                 42219M100        0      210 SH       SOLE                      210        0        0
HEALTH NET INC              A                   42222G108       54     2100 SH       DEFINED                  2100        0        0
HEINZ H J CO                COM                 423074103      136     2875 SH       SOLE                     2100        0      775
HEINZ H J CO                COM                 423074103       49     1050 SH       DEFINED                  1050        0        0
HERCULES INC                COM                 427056106        9      500 SH       DEFINED                   500        0        0
HERSHEY FOODS CORP          COM                 427866108      238     3700 SH       SOLE                     2900        0      800
HERSHEY FOODS CORP          COM                 427866108       90     1400 SH       DEFINED                  1400        0        0
HEWLETT PACKARD CO          COM                 428236103      624    19800 SH       SOLE                    18200        0     1600
HEWLETT PACKARD CO          COM                 428236103       53     1700 SH       DEFINED                  1200        0      500
HOME DEPOT INC              COM                 437076102      262     5750 SH       SOLE                     4550        0     1200
HOME DEPOT INC              COM                 437076102      286     6275 SH       DEFINED                  6275        0        0
HONEYWELL INTL INC          COM                 438516106      710    15012 SH       SOLE                    14462        0      550
HONEYWELL INTL INC          COM                 438516106      118     2500 SH       DEFINED                  2500        0        0
HORMEL FOODS CORP           COM                 440452100        7      400 SH       SOLE                      400        0        0
IXL ENTERPRISES INC         COM                 450718101        0      100 SH       SOLE                      100        0        0
ILLINOIS TOOL WKS INC       COM                 452308109      889    14939 SH       SOLE                    14764        0      175
ILLINOIS TOOL WKS INC       COM                 452308109      184     3100 SH       DEFINED                  3100        0        0
INGERSOLL-RAND CO           COM                 456866102      310     7425 SH       SOLE                     7025      300      100
INGERSOLL-RAND CO           COM                 456866102       12      300 SH       DEFINED                   300        0        0
INGRAM MICRO INC            CL A                457153104        4      400 SH       SOLE                      400        0        0
INTEL CORP                  COM                 458140100     4996   166205 SH       SOLE                   147205      400    18600
INTEL CORP                  COM                 458140100      568    18900 SH       DEFINED                 18900        0        0
INTERNATIONAL BUSINESS MACHS COM                459200101     4275    50303 SH       SOLE                    48228      150     1925
INTERNATIONAL BUSINESS MACHS COM                459200101      273     3220 SH       DEFINED                  3220        0        0
INTERNATIONAL FLAVORS&FRAGRACOM                 459506101        0       20 SH       SOLE                        0        0       20
INTERNATIONAL FLAVORS&FRAGRACOM                 459506101       20     1000 SH       DEFINED                  1000        0        0
INTL PAPER CO               COM                 460146103       52     1289 SH       SOLE                     1289        0        0
INTL PAPER CO               COM                 460146103       86     2110 SH       DEFINED                  2110        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>
INTERNATIONAL RECTIFIER CORPCOM                 460254105        1       50 SH       SOLE                       50        0        0
INTL REMOTE IMAG SYS INC    COM NEW             460259500        0      240 SH       SOLE                      240        0        0
INTERSIL HLDG CORP          CL A                46069S109      186     8150 SH       DEFINED                  8150        0        0
INTERPUBLIC GROUP COS INC   COM                 460690100      227     5350 SH       SOLE                     4850        0      500
IPALCO ENTERPRISES INC      COM                 462613100        4      192 SH       SOLE                      192        0        0
JDS UNIPHASE CORP           COM                 46612J101       52     1260 SH       SOLE                     1260        0        0
JDS UNIPHASE CORP           COM                 46612J101      166     4000 SH       DEFINED                  4000        0        0
JACOBS ENGR GROUP INC DEL   COM                 469814107       32      700 SH       SOLE                      700        0        0
JEFFERSON PILOT CORP        COM                 475070108      207     2777 SH       SOLE                     2377        0      400
JOHNSON & JOHNSON           COM                 478160104     5191    49411 SH       SOLE                    41720      150     7541
JOHNSON & JOHNSON           COM                 478160104      969     9225 SH       DEFINED                  9100        0      125
JOHNSON CTLS INC            COM                 478366107       20      400 SH       SOLE                      400        0        0
JONES APPAREL GROUP INC     COM                 480074103       28      900 SH       SOLE                        0        0      900
JUNIPER NETWORKS INC        COM                 48203R104      113      900 SH       DEFINED                   900        0        0
KLA-TENCOR CORP             COM                 482480100       13      400 SH       SOLE                      400        0        0
KANSAS CITY PWR & LT CO     COM                 485134100       16      600 SH       SOLE                        0        0      600
KELLOGG CO                  COM                 487836108      584    22268 SH       SOLE                    12168        0    10100
KEYCORP NEW                 COM                 493267108      157     5609 SH       SOLE                     5284        0      325
KEYSPAN CORP                COM                 49337W100       16      399 SH       SOLE                      399        0        0
KEYSPAN CORP                COM                 49337W100       42     1000 SH       DEFINED                  1000        0        0
KIMBERLY CLARK CORP         COM                 494368103      782    11075 SH       SOLE                    11075        0        0
KIMBERLY CLARK CORP         COM                 494368103       61      875 SH       DEFINED                   875        0        0
KOHLS CORP                  COM                 500255104      216     3550 SH       DEFINED                  3550        0        0
KONINKLIJKE AHOLD NV        SPNSRD ADR NEW      500467303        4      150 SH       SOLE                      150        0        0
KONINKLIJKE PHILIPS ELECTRS NV SP ADR           500472303       61     1701 SH       SOLE                     1701        0        0
KRISPY KREME DOUGHNUTS INC  COM                 501014104        4       50 SH       SOLE                        0        0       50
KROGER CO                   COM                 501044101       48     1800 SH       DEFINED                  1800        0        0
LSI LOGIC CORP                                  502161102        0       50 SH       SOLE                       50        0        0
LAFARGE CORP                COM                 505862102        3      150 SH       SOLE                      150        0        0
LANCASTER COLONY CORP       COM                 513847103       29     1050 SH       SOLE                     1050        0        0
LANDS END INC               COM                 515086106       16      650 SH       SOLE                      650        0        0
LEGGETT & PLATT INC         COM                 524660107       30     1600 SH       SOLE                     1600        0        0
LEXMARK INTL NEW            CL A                529771107       24      550 SH       SOLE                      550        0        0
LEXMARK INTL NEW            CL A                529771107       17      400 SH       DEFINED                   400        0        0
</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>
LIBBEY INC                  COM                 529898108        2       68 SH       SOLE                       68        0        0
LILLY ELI & CO              COM                 532457108      749     8056 SH       SOLE                     7556        0      500
LILLY ELI & CO              COM                 532457108      243     2619 SH       DEFINED                  2619        0        0
LINEAR TECHNOLOGY CORP      COM                 535678106      148     3200 SH       SOLE                     2600        0      600
LITTON INDS INC             COM                 538021106        9      125 SH       SOLE                      125        0        0
LIZ CLAIBORNE INC           COM                 539320101       33      800 SH       SOLE                        0        0      800
LOCKHEED MARTIN CORP        COM                 539830109       16      500 SH       DEFINED                   500        0        0
LUBRIZOL CORP               COM                 549271104        5      200 SH       SOLE                      200        0        0
LUCENT TECHNOLOGIES INC     COM                 549463107     1575   116698 SH       SOLE                   112468        0     4230
LUCENT TECHNOLOGIES INC     COM                 549463107     3802   281676 SH       DEFINED                281676        0        0
LYONDELL CHEMICAL CO        COM                 552078107        2      150 SH       SOLE                      150        0        0
MBIA INC                    COM                 55262C100      207     2800 SH       SOLE                     2100        0      700
MBNA CORP                   COM                 55262L100      258     7000 SH       DEFINED                  7000        0        0
MGIC INVT CORP WIS          COM                 552848103      114     1700 SH       DEFINED                  1700        0        0
MGM MIRAGE                  COM                 552953101       20      724 SH       DEFINED                   724        0        0
MANDALAY RESORT GROUP       COM                 562567107       13      600 SH       DEFINED                   600        0        0
MANITOWOC INC               COM                 563571108      460    15895 SH       SOLE                    15895        0        0
MAPINFO CORP                COM                 565105103      113     2400 SH       SOLE                     2400        0        0
MARSH & MCLENNAN COS INC    COM                 571748102      906     7750 SH       SOLE                     7650        0      100
MARSH & MCLENNAN COS INC    COM                 571748102      266     2275 SH       DEFINED                  2275        0        0
MARSHALL & ILSLEY CORP      COM                 571834100       91     1800 SH       SOLE                     1800        0        0
MARRIOTT INTL INC NEW       CL A                571903202       59     1400 SH       SOLE                     1400        0        0
MASSEY ENERGY CORP          COM                 576206106        0       40 SH       DEFINED                    40        0        0
MATTEL INC                  COM                 577081102        4      300 SH       SOLE                        0        0      300
MAXIM INTEGRATED PRODS INC  COM                 57772K101      131     2750 SH       SOLE                     2350        0      400
MAXIM INTEGRATED PRODS INC  COM                 57772K101       90     1900 SH       DEFINED                  1900        0        0
MAY DEPT STORES CO          COM                 577778103       54     1675 SH       SOLE                     1525        0      150
MAY DEPT STORES CO          COM                 577778103       39     1200 SH       DEFINED                  1200        0        0
MCCORMICK & CO INC          COM NON VTG         579780206       86     2400 SH       SOLE                     2400        0        0
MCCORMICK & CO INC          COM NON VTG         579780206      198     5500 SH       DEFINED                  5500        0        0
MCDONALDS CORP              COM                 580135101      295     8704 SH       SOLE                     8560        0      144
MCDONALDS CORP              COM                 580135101       68     2000 SH       DEFINED                  2000        0        0
MCKESSON HBOC INC           COM                 58155Q103       64     1800 SH       DEFINED                  1800        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>
MEAD CORP                   COM                 582834107      241     7700 SH       SOLE                     7700        0        0
MEAD CORP                   COM                 582834107        9      300 SH       DEFINED                   300        0        0
MEDTRONIC INC               COM                 585055106     1234    20450 SH       SOLE                    20450        0        0
MEDTRONIC INC               COM                 585055106      446     7398 SH       DEFINED                  7398        0        0
MELLON FINL CORP            COM                 58551A108       88     1800 SH       DEFINED                  1800        0        0
MERCK & CO INC              COM                 589331107     7280    77764 SH       SOLE                    62127      600    15037
MERCK & CO INC              COM                 589331107      617     6600 SH       DEFINED                  6600        0        0
METROMEDIA FIBER NETWORK INCCL A                591689104       92     9100 SH       DEFINED                  9100        0        0
MICROSOFT CORP              COM                 594918104     1764    40690 SH       SOLE                    39390      150     1150
MICROSOFT CORP              COM                 594918104      303     7000 SH       DEFINED                  7000        0        0
MILLENNIUM CHEMICALS INC    COM                 599903101        4      250 SH       SOLE                      250        0        0
MILLIPORE CORP                                  601073109       12      200 SH       SOLE                      200        0        0
MINIMED INC                 COM                 60365K108       25      600 SH       SOLE                        0        0      600
MINNESOTA MNG & MFG CO      COM                 604059105      560     4649 SH       SOLE                     3749        0      900
MINNESOTA MNG & MFG CO      COM                 604059105      457     3797 SH       DEFINED                  3797        0        0
MONTANA POWER CO            COM                 612085100       24     1200 SH       SOLE                     1200        0        0
MONY GROUP INC              COM                 615337102        2       47 SH       SOLE                       47        0        0
MOODYS CORP                 COM                 615369105        5      200 SH       SOLE                        0        0      200
MORGAN J P & CO INC         COM                 616880100      601     3637 SH       SOLE                     3620        0       17
MORGAN J P & CO INC         COM                 616880100      386     2336 SH       DEFINED                  2336        0        0
MORGAN STANELY DEAN WITTER  DISCOVER & CO       617446448       80     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       30     1500 SH       SOLE                     1200        0      300
MOTOROLA INC                COM                 620076109        4      245 SH       DEFINED                     0        0      245
MUNIASSETS FUND INC                             62618Q106       10      850          SOLE                      850        0        0
MUNIYIELD NY INSD FD INC                        626301105        9      735          SOLE                      735        0        0
MYLAN LABS INC              COM                 628530107       30     1200 SH       SOLE                      200        0     1000
NBT BANCORP INC             COM                 628778102      238    16309 SH       SOLE                    16309        0        0
NCR CORP NEW                COM                 62886E108        2       61 SH       SOLE                       61        0        0
NCR CORP NEW                COM                 62886E108      820    16699 SH       DEFINED                 16699        0        0
NABORS INDS INC             COM                 629568106      209     3550 SH       SOLE                     2850        0      700
NATIONAL CITY CORP          COM                 635405103       11      400 SH       SOLE                      400        0        0
NATIONAL CITY CORP          COM                 635405103       80     2800 SH       DEFINED                  2800        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>
NEIMAN MARCUS GROUP INC CL A                    640204202       35     1000 SH       DEFINED                  1000        0        0
NETOPIA INC                 COM                 64114K104        8     2000 SH       SOLE                     2000        0        0
NEW YORK TIMES CO           CL A                65011110R     3103    77464 SH       SOLE                    77464        0        0
NEW YORK TIMES CO           CL A                65011110R    14629   365185 SH       DEFINED                365185        0        0
NEW YORK TIMES CO           CL A                650111107     1980    49440 SH       SOLE                    48840        0      600
NEW YORK TIMES CO           CL A                650111107     9552   238459 SH       DEFINED                238459        0        0
NEWELL RUBBERMAID INC       COM                 651229106        2      100 SH       SOLE                      100        0        0
NEXELL THERAPEUTICS INC     COM NEW             65332H203        6     2017 SH       SOLE                     2017        0        0
NEXTEL COMMUNICATIONS INC   CL A                65332V103       55     2250 SH       DEFINED                  2250        0        0
NIAGARA MOHAWK HLDGS INC    COM                 653520106       25     1500 SH       DEFINED                  1500        0        0
NISOURCE INC                COM                 65473P105      125     4077 SH       SOLE                     2577        0     1500
NOKIA CORP PFD SPONS ADR                        654902204       16      382 SH       SOLE                       32        0      350
NOKIA CORP PFD SPONS ADR                        654902204       87     2000 SH       DEFINED                  2000        0        0
NOBLE DRILLING CORP         COM                 655042109       26      600 SH       SOLE                        0        0      600
NORDSTROM INC               COM                 655664100       30     1700 SH       DEFINED                  1700        0        0
NORFOLK SOUTHERN CORP       COM                 655844108       60     4520 SH       SOLE                     4520        0        0
NORTEL NETWORKS CORP NEW    COM                 656568102      120     3750 SH       SOLE                     3750        0        0
NOVELLUS SYS INC            COM                 670008101       21      600 SH       SOLE                        0        0      600
NUCOR CORP                  COM                 670346105       35      900 SH       SOLE                      900        0        0
NUMAC ENERGY INC            COM                 67052A103        1      300 SH       SOLE                      300        0        0
NUVEEN NY MUNI VALUE INC                        67062M105       12     1500          SOLE                        0        0     1500
OGE ENERGY CORP             COM                 670837103       24     1000 SH       SOLE                        0        0     1000
OGE ENERGY CORP             COM                 670837103        6      250 SH       DEFINED                   250        0        0
OCCIDENTAL PETE CORP DEL    COM                 674599105       26     1100 SH       SOLE                     1100        0        0
OLD KENT FINL CORP          COM                 679833103        7      177 SH       SOLE                      177        0        0
OLD REP INTL CORP           COM                 680223104       16      525 SH       SOLE                      525        0        0
OMNICOM GROUP INC           COM                 681919106      174     2100 SH       SOLE                     2100        0        0
OPENWAVE SYSTEMS INC                            683718100      119     2500 SH       DEFINED                  2500        0        0
ORACLE CORP                 COM                 68389X105     1341    46150 SH       SOLE                    43800        0     2350
ORACLE CORP                 COM                 68389X105      229     7900 SH       DEFINED                  7900        0        0
PG&E CORP                   COM                 69331C108       26     1310 SH       SOLE                     1310        0        0
PNC FINL SVCS GROUP INC     COM                 693475105      113     1558 SH       SOLE                     1558        0        0
PNC FINL SVCS GROUP INC     COM                 693475105      105     1450 SH       DEFINED                  1450        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>
PPG INDS INC                COM                 693506107      157     3400 SH       SOLE                     3100        0      300
PPL CORP                                        69351T106       45     1000 SH       SOLE                        0        0     1000
PACCAR INC                  COM                 693718108       45      920 SH       SOLE                      920        0        0
PALL CORP                   COM                 696429307       21     1000 SH       DEFINED                  1000        0        0
PALM INC                                        696642107       56     2000 SH       SOLE                     1775        0      225
PENN ENGR & MFG CORP        CL A                707389102        3      100 SH       SOLE                      100        0        0
PENNEY J C INC              COM                 708160106      340    31300 SH       SOLE                    31300        0        0
PENNEY J C INC              COM                 708160106        7      700 SH       DEFINED                   700        0        0
PEPSICO INC                 COM                 713448108     3013    60800 SH       SOLE                    57575        0     3225
PEPSICO INC                 COM                 713448108      143     2900 SH       DEFINED                  2900        0        0
PEREGRINE PHARMACEUTICALS INCOM                 713661106        0      200 SH       SOLE                      200        0        0
PFIZER INC                  COM                 717081103     6388   138879 SH       SOLE                   132313     3300     3266
PFIZER INC                  COM                 717081103      854    18566 SH       DEFINED                 18566        0        0
PHARMACIA CORP              COM                 71713U102       66     1083 SH       SOLE                     1083        0        0
PHARMACIA CORP              COM                 71713U102      653    10720 SH       DEFINED                 10720        0        0
PHELPS DODGE CORP           COM                 717265102       72     1300 SH       SOLE                     1300        0        0
PHILADELPHIA SUBN CORP      COM PAR $0.50       718009608        3      125 SH       SOLE                      125        0        0
PHILIP MORRIS COS INC       COM                 718154107      148     3375 SH       SOLE                     2175        0     1200
PHILLIPS PETE CO            COM                 718507106      187     3294 SH       SOLE                     2952        0      342
PINNACLE WEST CAP CORP      COM                 723484101       23      500 SH       SOLE                      500        0        0
PITNEY BOWES INC            COM                 724479100      741    22375 SH       SOLE                    16575        0     5800
PITNEY BOWES INC            COM                 724479100      160     4850 SH       DEFINED                  4850        0        0
PLUG POWER INC              COM                 72919P103        2      160 SH       SOLE                      160        0        0
PRAXAIR INC                 COM                 74005P104       14      325 SH       SOLE                      325        0        0
PROCTER & GAMBLE CO         COM                 742718109     1578    20124 SH       SOLE                    19523        0      601
PROCTER & GAMBLE CO         COM                 742718109      297     3794 SH       DEFINED                  3794        0        0
PROGRESS ENERGY INC         COM                 743263105        4       98 SH       SOLE                       98        0        0
PUGET SOUND ENERGY INC      COM                 745332106        1       50 SH       SOLE                       50        0        0
QLOGIC CORP                 COM                 747277101       30      400 SH       SOLE                        0        0      400
QUAKER OATS CO              COM                 747402105      272     2800 SH       SOLE                     2400        0      400
QUALCOMM INC                COM                 747525103        8      100 SH       SOLE                        0        0      100
QUANTUM CORP                COM DSSG            747906204        4      325 SH       SOLE                      325        0        0
QUEST DIAGNOSTICS INC       COM                 74834L100       16      113 SH       SOLE                      113        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>
QUESTAR CORP                COM                 748356102      120     4000 SH       SOLE                     2400        0     1600
QWEST COMMUNICATIONS INTL INCOM                 749121109      366     8956 SH       SOLE                     6970        0     1986
QWEST COMMUNICATIONS INTL INCOM                 749121109        8      219 SH       DEFINED                   219        0        0
R H DONNELLEY CORP          COM NEW             74955W307        0       40 SH       SOLE                        0        0       40
RALSTON PURINA CO           COM RAL-PUR GP      751277302       10      420 SH       DEFINED                     0        0      420
RATIONAL SOFTWARE CORP      COM NEW             75409P202       13      350 SH       SOLE                        0        0      350
RAYTHEON CO                 CL A                755111309        1       61 SH       SOLE                       61        0        0
RAYTHEON CO CLASS B         COM                 755111408       84     2736 SH       SOLE                     2736        0        0
RAYTHEON CO CLASS B         COM                 755111408       99     3200 SH       DEFINED                  3200        0        0
READERS DIGEST ASSN INC     CL B                755267200       24      700 SH       DEFINED                   700        0        0
RED HAT INC                 COM                 756577102        1      200 SH       SOLE                      200        0        0
REGIONS FINL CORP           COM                 758940100       34     1260 SH       SOLE                     1260        0        0
RELIANT ENERGY INC          COM                 75952J108       12      300 SH       DEFINED                   300        0        0
REUTERS GROUP PLC SPNS ADR                      76132M102        9      100 SH       SOLE                      100        0        0
ROCKWELL INTL CORP NEW      COM                 773903109       45      950 SH       SOLE                      700        0      250
ROCKWELL INTL CORP NEW      COM                 773903109       23      500 SH       DEFINED                   500        0        0
ROHM & HAAS CO              COM                 775371107       75     2073 SH       SOLE                     2073        0        0
ROYAL DUTCH PETE CO         NY REG GLD1.25      780257804      467     7712 SH       SOLE                     7712        0        0
SBC COMMUNICATIONS INC                          78387G103     6119   128152 SH       SOLE                   110956      400    16796
SBC COMMUNICATIONS INC                          78387G103      650    13625 SH       DEFINED                 13625        0        0
SPX CORP                    COM                 784635104       21      200 SH       SOLE                        0        0      200
SABRE HLDGS CORP            CL A                785905100        2       56 SH       SOLE                       56        0        0
SAFEGUARD SCIENTIFICS INC   COM                 786449108        0       50 SH       SOLE                       50        0        0
SAFESCIENCE INC             COM                 786452102        0      300 SH       SOLE                      300        0        0
ST PAUL COS INC             COM                 792860108       32      600 SH       SOLE                      600        0        0
SANMINA CORP                COM                 800907107       19      250 SH       SOLE                        0        0      250
SARA LEE CORP               COM                 803111103       52     2148 SH       SOLE                     2000        0      148
SCHERING PLOUGH CORP        COM                 806605101     1332    23476 SH       SOLE                    16740        0     6736
SCHLUMBERGER LTD            COM                 806857108      799    10000 SH       SOLE                     9800        0      200
SCHLUMBERGER LTD            COM                 806857108      247     3096 SH       DEFINED                  3096        0        0
SCOTTISH PWR PLC            SPON ADR FINAL      81013T705       86     2843 SH       SOLE                     2843        0        0
SCOTTISH PWR PLC            SPON ADR FINAL      81013T705       34     1131 SH       DEFINED                  1131        0        0
SEARS ROEBUCK & CO          COM                 812387108       79     2300 SH       SOLE                     2300        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>
SENECA FOODS CORP NEW       CL B                817070105       18     1400 SH       SOLE                     1400        0        0
SENECA FOODS CORP NEW       CL A                817070501       18     1400 SH       SOLE                     1400        0        0
SENIOR HSG PPTYS TR         SH BEN INT          81721M109        0       25 SH       SOLE                       25        0        0
SENSIENT TECHNOLOGIES CORP  COM                 81725T100       29     1300 SH       SOLE                        0        0     1300
SEVEN SEAS PETROLEUM                            817917107       11     8200 SH       SOLE                     8200        0        0
SHELL TRANS & TRADING PLC   NEW YRK SH NEW      822703609       29      600 SH       SOLE                        0        0      600
SHERWIN WILLIAMS CO         COM                 824348106       10      400 SH       SOLE                      400        0        0
SIEBEL SYS INC              COM                 826170102        2       40 SH       SOLE                       40        0        0
SIERRA HEALTH SVCS INC      COM                 826322109        1      300 SH       SOLE                      300        0        0
SIMON PPTY GROUP INC NEW                        828806109       26     1122 SH       DEFINED                  1122        0        0
SKY FINL GROUP INC          COM                 83080P103      132     7937 SH       SOLE                     7937        0        0
SMITHKLINE BEECHAM PLC ORD AADR                 832378301        6      100 SH       SOLE                        0        0      100
SMURFIT-STONE CONTAINER CORPCOM                 832727101        1      100 SH       SOLE                      100        0        0
SOLECTRON CORP              COM                 834182107     1337    39475 SH       SOLE                    37675        0     1800
SOLECTRON CORP              COM                 834182107      108     3200 SH       DEFINED                  3200        0        0
SOLUTIA INC                 COM                 834376105       25     2144 SH       DEFINED                  2144        0        0
SONOCO PRODS CO             COM                 835495102        5      250 SH       SOLE                      250        0        0
SOUTHTRUST CORP             COM                 844730101        4      100 SH       SOLE                      100        0        0
SPRINT CORP                 COM FON GROUP       852061100       88     4338 SH       SOLE                     3248        0     1090
SPRINT CORP                 COM FON GROUP       852061100       24     1200 SH       DEFINED                  1200        0        0
SPRINT CORP                 PCS COM SER 1       852061506       46     2268 SH       SOLE                     1624        0      644
STANLEY WKS                 COM                 854616109       18      600 SH       SOLE                      600        0        0
STARBUCKS CORP              COM                 855244109        4      100 SH       SOLE                        0        0      100
STARWOOD HOTELS&RESORTS WRLDPAIRED CTF          85590A203       88     2500 SH       DEFINED                  2500        0        0
STATE STR CORP              COM                 857477103      170     1372 SH       DEFINED                  1372        0        0
STILLWATER MNG CO           COM                 86074Q102        3      100 SH       SOLE                      100        0        0
STORA ENSO CORP             SPON ADR REP R      86210M106        7      671 SH       DEFINED                   671        0        0
STORAGE TECHNOLOGY CORP     COM PAR $0.10       862111200        9     1000 SH       DEFINED                  1000        0        0
STRYKER CORP                COM                 863667101       40      800 SH       SOLE                        0        0      800
SUFFOLK BANCORP             COM                 864739107      134     4362 SH       SOLE                     4362        0        0
SUN MICROSYSTEMS INC        COM                 866810104     6451   231478 SH       SOLE                   205278      400    25800
SUN MICROSYSTEMS INC        COM                 866810104      335    12050 SH       DEFINED                 11800        0      250
SUNGARD DATA SYS INC        COM                 867363103      466     9900 SH       SOLE                     9900        0        0
</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>
SUNTRUST BKS INC            COM                 867914103      514     8166 SH       SOLE                     8166        0        0
SUNTRUST BKS INC            COM                 867914103       18      300 SH       DEFINED                     0        0      300
SUPERVALU INC               COM                 868536103        5      400 SH       SOLE                      400        0        0
SYNOVUS FINL CORP           COM                 87161C105       18      675 SH       SOLE                        0        0      675
SYSCO CORP                  COM                 871829107       42     1400 SH       SOLE                        0        0     1400
TCW/DW TERM TRUST 2002                          87234T101       33     3388 SH       SOLE                     3388        0        0
TECO ENERGY INC             COM                 872375100      183     5666 SH       SOLE                     4466        0     1200
TECO ENERGY INC             COM                 872375100        6      200 SH       DEFINED                   200        0        0
TJX COS INC NEW             COM                 872540109       30     1100 SH       SOLE                        0        0     1100
TRW INC                     COM                 872649108       37      960 SH       SOLE                      320        0      640
TXU CORP COM                                    873168108       28      650 SH       SOLE                      250        0      400
TECH DATA CORP              COM                 878237106        4      150 SH       SOLE                      150        0        0
TELEFONOS DE MEXICO S A     SPON ADR A SHS      879403707       36      820 SH       SOLE                      820        0        0
TELEFONOS DE MEXICO S A     SPON ADR ORD L      879403780       27      600 SH       SOLE                      600        0        0
TELEFONOS DE MEXICO S A     SPON ADR ORD L      879403780       31      700 SH       DEFINED                   700        0        0
TEMPLE INLAND INC           COM                 879868107        6      125 SH       SOLE                      125        0        0
TERAYON COMMUNICATION SYS   COM                 880775101        0       40 SH       SOLE                        0        0       40
TEXACO INC                  COM                 881694103      107     1726 SH       SOLE                     1726        0        0
TEXACO INC                  COM                 881694103       91     1472 SH       DEFINED                  1200        0      272
TEXAS INDS INC              COM                 882491103        9      300 SH       SOLE                      300        0        0
TEXAS INSTRS INC            COM                 882508104       13      280 SH       SOLE                      280        0        0
THERMO ELECTRON CORP        COM                 883556102       30     1020 SH       SOLE                     1020        0        0
THOMAS & BETTS CORP         COM                 884315102        0       50 SH       SOLE                       50        0        0
3DFX INTERACTIVE INC        COM                 88553X103        0      600 SH       SOLE                      600        0        0
TIFFANY & CO NEW            COM                 886547108      154     4900 SH       SOLE                     4300        0      600
TIME WARNER INC             COM                 887315109       13      250 SH       SOLE                      250        0        0
TOLL BROTHERS INC           COM                 889478103       94     2300 SH       SOLE                     1000        0     1300
TOMPKINS TRUSTCO INC                            890110109    29850  1066094 SH       SOLE                  1047605     6250    12239
TOMPKINS TRUSTCO INC                            890110109     2130    76097 SH       DEFINED                 76097        0        0
TOYS R US INC               COM                 892335100       65     3900 SH       DEFINED                  3900        0        0
TRANSACT TECHNOLOGIES                           892918103        3      700 SH       SOLE                      700        0        0
TRI CONTL CORP              COM                 895436103       25     1196 SH       SOLE                      730        0      466
TRI CONTL CORP              COM                 895436103        4      217 SH       DEFINED                   217        0        0
</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>
TRINITY INDS INC            COM                 896522109       10      400 SH       SOLE                      200        0      200
TUPPERWARE CORP             COM                 899896104        4      224 SH       SOLE                      224        0        0
24 / 7 MEDIA INC            COM                 901314104        0      200 SH       SOLE                      200        0        0
TYCO INTL LTD NEW COM                           902124106     2227    40143 SH       SOLE                    36643        0     3500
TYCO INTL LTD NEW COM                           902124106      185     3350 SH       DEFINED                  3350        0        0
TYSON FOODS INC             CL A                902494103        6      500 SH       SOLE                      500        0        0
USX MARATHON GROUP          COM NEW             902905827       47     1700 SH       DEFINED                  1700        0        0
US BANCORP DEL              COM                 902973106       61     2115 SH       SOLE                     2115        0        0
UNION CARBIDE CORP          COM                 905581104       24      450 SH       SOLE                      450        0        0
UNION PAC CORP              COM                 907818108       76     1513 SH       SOLE                     1500        0       13
UNION PAC CORP              COM                 907818108       22      450 SH       DEFINED                   450        0        0
UNITED TECHNOLOGIES CORP    COM                 913017109      297     3780 SH       SOLE                     3530      250        0
UNITEDHEALTH GROUP INC                          91324P102      153     2500 SH       DEFINED                  2500        0        0
UNOCAL CORP                 COM                 915289102       30      800 SH       SOLE                      800        0        0
UNOCAL CORP                 COM                 915289102      129     3344 SH       DEFINED                  3344        0        0
UNUMPROVIDENT CORP          COM                 91529Y106       13      500 SH       DEFINED                   500        0        0
V F CORP                    COM                 918204108       32      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       19     1400          SOLE                     1400        0        0
VAN KAMPEN TR INVT GRADE N JCOM                 920933108       34     2400          SOLE                     2400        0        0
VAN KAMPEN AMERICAN CAP                         921124103       26     2018 SH       SOLE                     2018        0        0
VECTREN CORP                COM                 92240G101       23      999 SH       SOLE                      999        0        0
VERISIGN INC                COM                 92343E102      165     2225 SH       DEFINED                  2225        0        0
VERIZON COMMUNICATIONS      COM                 92343V104     1593    31791 SH       SOLE                    23058        0     8733
VERIZON COMMUNICATIONS      COM                 92343V104      115     2310 SH       DEFINED                  2310        0        0
VERITAS SOFTWARE CO         COM                 923436109       26      300 SH       SOLE                        0        0      300
VERITAS SOFTWARE CO         COM                 923436109      133     1525 SH       DEFINED                  1525        0        0
VIACOM INC CLASS B                              925524308      185     3975 SH       DEFINED                  3975        0        0
VIRAGEN INC                 COM                 927638106        0      200 SH       SOLE                      200        0        0
VISHAY INTERTECHNOLOGY INC  COM                 928298108       11      750 SH       SOLE                        0        0      750
VITESSE SEMICONDUCTOR CORP  COM                 928497106      185     3350 SH       SOLE                     2850        0      500
VIVENDI UNIVERSAL           SPON ADR NEW        92851S204       26      400 SH       DEFINED                   400        0        0
VODAFONE GROUP PLC NEW      SPONSORED ADR       92857W100      130     3640 SH       SOLE                     2390        0     1250
VODAFONE GROUP PLC NEW      SPONSORED ADR       92857W100        3      100 SH       DEFINED                   100        0        0
</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>
VOLVO AKTIEBOLAGET ADR B                        928856400        1       90 SH       SOLE                        0        0       90
VULCAN MATLS CO             COM                 929160109      187     3925 SH       SOLE                     3050        0      875
VULCAN MATLS CO             COM                 929160109       40      850 SH       DEFINED                   850        0        0
WPP GROUP PLC               SPON ADR NEW        929309300       72     1150 SH       DEFINED                  1150        0        0
WPS RESOURCES CORP          COM                 92931B106       11      300 SH       SOLE                        0        0      300
WAL MART STORES INC         COM                 931142103     4235    79735 SH       SOLE                    73085      450     6200
WAL MART STORES INC         COM                 931142103      385     7250 SH       DEFINED                  7250        0        0
WALGREEN CO                 COM                 931422109      458    10975 SH       SOLE                    10975        0        0
WALGREEN CO                 COM                 931422109       44     1075 SH       DEFINED                  1075        0        0
WASHINGTON MUT INC          COM                 939322103      132     2500 SH       DEFINED                  2500        0        0
WASTE MGMT INC DEL          COM                 94106L109      192     6925 SH       DEFINED                  6925        0        0
WATSON PHARMACEUTICALS INC  COM                 942683103      516    10100 SH       SOLE                     9500        0      600
WAUSAU-MOSINEE PAPER CORP   COM                 943315101        4      400 SH       SOLE                      400        0        0
WELLS FARGO & CO NEW        COM                 949746101      300     5396 SH       SOLE                      264        0     5132
WENDYS INTL INC             COM                 950590109       42     1600 SH       SOLE                      400        0     1200
WESTERN RES INC             COM                 959425109       27     1100 SH       SOLE                        0        0     1100
WESTVACO CORP               COM                 961548104        7      270 SH       SOLE                      270        0        0
WHIRLPOOL CORP              COM                 963320106        9      200 SH       SOLE                      200        0        0
WILLAMETTE INDS INC         COM                 969133107        9      200 SH       SOLE                      200        0        0
WILLIAMS COS INC DEL        COM                 969457100        5      140 SH       SOLE                      140        0        0
WILMINGTON TRUST CORP       COM                 971807102       43      700 SH       SOLE                        0        0      700
WISCONSIN ENERGY CORP       COM                 976657106       12      560 SH       SOLE                      260        0      300
WORLDCOM INC GA NEW         COM                 98157D106      321    22835 SH       SOLE                    22325        0      510
WORLDCOM INC GA NEW         COM                 98157D106       56     4000 SH       DEFINED                  4000        0        0
WORTHINGTON INDS INC        COM                 981811102        0       52 SH       SOLE                       52        0        0
XCEL ENERGY INC                                 98389B100       64     2231 SH       SOLE                      102        0     2129
XILINX INC                  COM                 983919101      110     2400 SH       SOLE                     1900        0      500
XEROX CORP                  COM                 984121103        2      450 SH       SOLE                      450        0        0
XEROX CORP                  COM                 984121103        4     1000 SH       DEFINED                  1000        0        0
ZIONS BANCORPORATION        COM                 989701107     1303    20886 SH       SOLE                    20886        0        0

 GRAND TOTALS                                               281858  6987401                                6545317    18000   424084
</TABLE>

                                       20



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