<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