UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 3/31/99
CHECK HERE IF AMENDMENT ( ); AMENDMENT NUMBER:
THIS AMENDMENT (CHECK ONLY ONE.): ( ) IS A RESTATEMENT.
( ) ADDS NEW HOLDINGS ENTRIES
INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT:
NAME: RIGGS BANK NA
ADDRESS: P.O. BOX 96202
WASHINGTON, DC 20077-7570
13F FILE NUMBER: 28-5510
THE INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT AND THE PERSON BY WHOM
IT IS SIGNED HEREBY REPRESENT THAT THE PERSON SIGNING THE REPORT IS AUTHORIZED
TO SUBMIT IT, THAT ALL INFORMATION CONTAINED HEREIN IS TRUE, CORRECT AND
COMPLETE, AND THAT IT IS UNDERSTOOD THAT ALL REQUIRED ITEMS, STATEMENTS
SCHEDULES, LISTS, AND TABLES, ARE CONSIDERED INTEGRAL PARTS OF THIS FORM.
PERSON SIGNING THIS REPORT ON BEHALF OF REPORTING MANAGER:
NAME: BASIL D. YAUGER
TITLE: SENIOR VICE PRESIDENT
PHONE: 301-887-4668
SIGNATURE,PLACE,AND DATE OF SIGNING:
/s/ BASIL D. YAUGER RIVERDALE, MD 5/6/99
-------------------
Basil D. Yauger
REPORT TYPE (CHECK ONLY ONE.):
( X) 13F HOLDINGS REPORT
( ) 13F NOTICE
( ) 13F COMBINATION REPORT
LIST OF OTHER MANAGERS REPORTING FOR THIS MANAGER:
NONE
I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE ACT OF 1934.
<PAGE>
FORM 13F SUMMARY PAGE
REPORT SUMMARY:
NUMBER OF OTHER INCLUDED MANAGERS: 0
FORM 13F INFORMATION TABLE ENTRY TOTAL: 580
FORM 13F INFORMATION TABLE VALUE TOTAL: $1,574,239,459
<PAGE>
<TABLE>
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
A T & T COMMON STOCK 001957109 14824 185734 SH SOLE 175744 0 9990
A T & T COMMON STOCK 001957109 5350 67028 SH OTHER 49180 14132 3716
ABBOTT LABS COMMON STOCK 002824100 775 16564 SH SOLE 16564 0 0
ABBOTT LABS COMMON STOCK 002824100 5977 127670 SH OTHER 90070 37600 0
ACTION PERFORMANCE COS INC COMMON STOCK 004933107 2031 67409 SH SOLE 67409 0 0
AES CORP COMMON STOCK 00130H105 3540 95037 SH SOLE 84393 0 10644
AES CORP COMMON STOCK 00130H105 53 1423 SH OTHER 1423 0 0
AETNA INC COMMON STOCK 008117103 272 3283 SH SOLE 3283 0 0
AETNA INC COMMON STOCK 008117103 743 8956 SH OTHER 4106 4050 800
AIR PRODS & CHEMS INC COMMON STOCK 009158106 543 15850 SH SOLE 15850 0 0
AIR PRODS & CHEMS INC COMMON STOCK 009158106 668 19500 SH OTHER 12300 7200 0
AIRTOUCH COMMUNICATIONS COMMON STOCK 00949T100 670 6929 SH SOLE 6929 0 0
AIRTOUCH COMMUNICATIONS COMMON STOCK 00949T100 2185 22611 SH OTHER 16515 4896 1200
ALCOA INC COMMON STOCK 013817101 41 1000 SH SOLE 1000 0 0
ALCOA INC COMMON STOCK 013817101 189 4600 SH OTHER 2600 2000 0
ALLIANCE CAP MGMT L P UNIT LTD COMMON STOCK 018548107 223 8800 SH OTHER 8000 800 0
ALLIED CAP CORP NEW COMMON STOCK 01903Q108 3661 199253 SH SOLE 199253 0 0
ALLIED CAP CORP NEW COMMON STOCK 01903Q108 158 8582 SH OTHER 1575 0 7007
ALLIED SIGNAL INC COMMON STOCK 019512102 1232 25043 SH SOLE 25043 0 0
ALLIED SIGNAL INC COMMON STOCK 019512102 1085 22056 SH OTHER 13056 9000 0
ALLSTATE CORP COMMON STOCK 020002101 2244 60552 SH SOLE 59688 280 584
ALLSTATE CORP COMMON STOCK 020002101 2458 66320 SH OTHER 51078 11542 3700
ALLTEL CORP COMMON STOCK 020039103 20 314 SH SOLE 314 0 0
ALLTEL CORP COMMON STOCK 020039103 208 3328 SH OTHER 3328 0 0
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 659 4480 SH SOLE 4480 0 0
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 2334 15875 SH OTHER 4100 9200 2575
AMERICAN CMNTY PPTYS TR COMMON STOCK 02520N106 52 11150 SH OTHER 0 0 11150
AMERICAN ELEC PWR INC COMMON STOCK 025537101 100 2517 SH SOLE 2517 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 121 3059 SH OTHER 2059 1000 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 20300 172397 SH SOLE 164277 220 7900
AMERICAN EXPRESS CO COMMON STOCK 025816109 4950 42038 SH OTHER 30776 9562 1700
AMERICAN GEN CORP COMMON STOCK 026351106 173 2460 SH SOLE 2460 0 0
AMERICAN GEN CORP COMMON STOCK 026351106 179 2542 SH OTHER 2392 0 150
AMERICAN HOME PRODS CORP COMMON STOCK 026609107 23597 361647 SH SOLE 351762 145 9740
AMERICAN HOME PRODS CORP COMMON STOCK 026609107 18909 289795 SH OTHER 216756 66650 6389
AMERICAN INTL GROUP INC COMMON STOCK 026874107 10216 84691 SH SOLE 83982 236 473
AMERICAN INTL GROUP INC COMMON STOCK 026874107 6157 51044 SH OTHER 32738 15945 2361
AMERICAN STORES CO NEW COMMON STOCK 030096101 7317 221732 SH SOLE 208842 0 12890
AMERICAN STORES CO NEW COMMON STOCK 030096101 73 2215 SH OTHER 1615 600 0
AMERITECH CORP COMMON STOCK 030954101 10390 180309 SH SOLE 173359 0 6950
AMERITECH CORP COMMON STOCK 030954101 2148 37268 SH OTHER 29372 7896 0
AMGEN INC COMMON STOCK 031162100 1049 14010 SH SOLE 14010 0 0
AMGEN INC COMMON STOCK 031162100 197 2628 SH OTHER 2028 600 0
AMP INC COMMON STOCK 031897101 86 1599 SH SOLE 1599 0 0
AMP INC COMMON STOCK 031897101 9500 177575 SH OTHER 0 400 177175
AMRESCO INC COMMON STOCK 031909104 2737 356050 SH SOLE 356050 0 0
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 38 500 SH SOLE 500 0 0
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 769 10100 SH OTHER 5900 2400 1800
APARTMENT INVT & MGMT CO CL A COMMON STOCK 03748R101 2717 74950 SH SOLE 74950 0 0
APPLE COMPUTER INC COMMON STOCK 037833100 239 6650 SH OTHER 0 3650 3000
ASSOCIATES FIRST CAP CORP CL A COMMON STOCK 046008108 172 3816 SH SOLE 3816 0 0
ASSOCIATES FIRST CAP CORP CL A COMMON STOCK 046008108 613 13627 SH OTHER 12544 816 267
ATLANTIC COAST AIRLS HLDGS INC COMMON STOCK 048396105 1904 67705 SH SOLE 67705 0 0
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 1138 15568 SH SOLE 15568 0 0
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 2755 37671 SH OTHER 23083 7542 7046
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 361 8730 SH SOLE 8730 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 1076 26000 SH OTHER 26000 0 0
AVERY DENNISON CORP COMMON STOCK 053611109 272 4725 SH SOLE 4725 0 0
AVERY DENNISON CORP COMMON STOCK 053611109 1090 18950 SH OTHER 17600 1350 0
AXENT TECHNOLOGIES INC COMMON STOCK 05459C108 1216 50545 SH SOLE 50545 0 0
BALTIMORE GAS & ELECTRIC CO COMMON STOCK 059165100 257 10122 SH SOLE 10122 0 0
BALTIMORE GAS & ELECTRIC CO COMMON STOCK 059165100 248 9775 SH OTHER 9775 0 0
BANK NEW YORK INC COMMON STOCK 064057102 223 6200 SH SOLE 5400 800 0
BANK NEW YORK INC COMMON STOCK 064057102 75 2100 SH OTHER 2100 0 0
BANK ONE CORP COMMON STOCK 06423A103 13343 242330 SH SOLE 228620 0 13710
BANK ONE CORP COMMON STOCK 06423A103 17635 320272 SH OTHER 318667 1605 0
BANKAMERICA CORP NEW COMMON STOCK 06605F102 8411 119089 SH SOLE 107959 0 11130
BANKAMERICA CORP NEW COMMON STOCK 06605F102 3300 46728 SH OTHER 34120 3915 8693
BANKBOSTON CORP COMMON STOCK 06605R106 5996 138439 SH SOLE 122459 0 15980
BANKBOSTON CORP COMMON STOCK 06605R106 110 2540 SH OTHER 2540 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 71 1850 SH SOLE 1850 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 1073 28000 SH OTHER 28000 0 0
BELL ATLANTIC CORP COMMON STOCK 077853109 6456 124913 SH SOLE 124913 0 0
BELL ATLANTIC CORP COMMON STOCK 077853109 11376 220100 SH OTHER 161506 43878 14716
BELLSOUTH CORP COMMON STOCK 079860102 3217 80307 SH SOLE 80307 0 0
BELLSOUTH CORP COMMON STOCK 079860102 8866 221306 SH OTHER 143970 52416 24920
BERKSHIRE HATHAWAY INC CL B COMMON STOCK 084670207 237 101 SH SOLE 101 0 0
BERKSHIRE HATHAWAY INC CL B COMMON STOCK 084670207 353 150 SH OTHER 5 105 40
BESTFOODS COMMON STOCK 08658U101 2063 43900 SH SOLE 43900 0 0
BESTFOODS COMMON STOCK 08658U101 2940 62556 SH OTHER 41204 6152 15200
BINDLEY WESTN INDS INC COMMON STOCK 090324104 1829 64050 SH SOLE 64050 0 0
BIOMET INC COMMON STOCK 090613100 252 6000 SH SOLE 6000 0 0
BIOMET INC COMMON STOCK 090613100 25 600 SH OTHER 600 0 0
BOEING CO COMMON STOCK 097023105 75 2193 SH SOLE 1893 0 300
BOEING CO COMMON STOCK 097023105 1112 32695 SH OTHER 20215 11964 516
BOSTON SCIENTIFIC CORP COMMON STOCK 101137107 328 8062 SH SOLE 7078 570 414
BOSTON SCIENTIFIC CORP COMMON STOCK 101137107 215 5300 SH OTHER 2050 2950 300
BRIGGS & STRATTON CORP COMMON STOCK 109043109 345 7000 SH SOLE 7000 0 0
BRIGGS & STRATTON CORP COMMON STOCK 109043109 49 1000 SH OTHER 1000 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 6159 96049 SH SOLE 96049 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 6861 106992 SH OTHER 51172 49100 6720
BROOKTROUT TECHNOLOGY INC COMMON STOCK 114580103 1816 172925 SH SOLE 172925 0 0
BUILDING ONE SVCS CORP COMMON STOCK 120114103 2375 138175 SH SOLE 138175 0 0
CABLEVISION SYS CORP CL A COMMON STOCK 12686C109 297 4000 SH OTHER 0 0 4000
CAMPBELL SOUP CO COMMON STOCK 134429109 240 5900 SH SOLE 5900 0 0
CAMPBELL SOUP CO COMMON STOCK 134429109 138 3400 SH OTHER 2600 800 0
CAPITAL ONE FINL CORP COMMON STOCK 14040H105 60 400 SH SOLE 400 0 0
CAPITAL ONE FINL CORP COMMON STOCK 14040H105 2003 13262 SH OTHER 599 5244 7419
CARDINAL HEALTH INC COMMON STOCK 14149Y108 161 2438 SH SOLE 2438 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 51 773 SH OTHER 699 74 0
CAROLINA PWR & LT CO COMMON STOCK 144141108 77 2029 SH SOLE 2029 0 0
CAROLINA PWR & LT CO COMMON STOCK 144141108 277 7320 SH OTHER 1820 5500 0
CATERPILLAR INC COMMON STOCK 149123101 227 4950 SH SOLE 4950 0 0
CATERPILLAR INC COMMON STOCK 149123101 728 15850 SH OTHER 6400 8650 800
CBS CORP COMMON STOCK 12490K107 94 2300 SH SOLE 2300 0 0
CBS CORP COMMON STOCK 12490K107 1795 43988 SH OTHER 38988 3000 2000
CENDANT CORP COMMON STOCK 151313103 5166 324120 SH SOLE 286600 0 37520
CENDANT CORP COMMON STOCK 151313103 83 5235 SH OTHER 5130 105 0
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 154 6550 SH SOLE 6550 0 0
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 321 13700 SH OTHER 12500 1200 0
CHASE MANHATTAN CORP COMMON STOCK 16161A108 484 5942 SH SOLE 5942 0 0
CHASE MANHATTAN CORP COMMON STOCK 16161A108 371 4556 SH OTHER 1556 3000 0
CHECKPOINT SYS INC COMMON STOCK 162825103 83 10000 SH SOLE 10000 0 0
CHEVRON INC COMMON STOCK 166751107 4042 45546 SH SOLE 45146 100 300
CHEVRON INC COMMON STOCK 166751107 3737 42108 SH OTHER 28068 9060 4980
CHUBB CORP COMMON STOCK 171232101 539 9200 SH SOLE 9200 0 0
CHUBB CORP COMMON STOCK 171232101 808 13803 SH OTHER 11903 1900 0
CHURCH & DWIGHT INC COMMON STOCK 171340102 448 11000 SH OTHER 11000 0 0
CIGNA CORP COMMON STOCK 125509109 674 8046 SH SOLE 8046 0 0
CIGNA CORP COMMON STOCK 125509109 239 2847 SH OTHER 2847 0 0
CIRCUIT CITY STORES INC COMMON STOCK 172737108 5147 67172 SH SOLE 66897 75 200
CIRCUIT CITY STORES INC COMMON STOCK 172737108 908 11856 SH OTHER 9141 1315 1400
CISCO SYS INC COMMON STOCK 17275R102 17457 159336 SH SOLE 150056 412 8868
CISCO SYS INC COMMON STOCK 17275R102 1712 15622 SH OTHER 12223 2399 1000
CITIGROUP INC COMMON STOCK 172967101 3359 52589 SH SOLE 51814 125 650
CITIGROUP INC COMMON STOCK 172967101 3512 54977 SH OTHER 24270 24112 6595
CLOROX CO COMMON STOCK 189054109 322 2750 SH SOLE 2750 0 0
CLOROX CO COMMON STOCK 189054109 2215 18900 SH OTHER 6200 12700 0
COASTAL CORP COMMON STOCK 190441105 7545 228635 SH SOLE 213325 0 15310
COASTAL CORP COMMON STOCK 190441105 108 3265 SH OTHER 2865 400 0
COCA COLA CO COMMON STOCK 191216100 11372 185285 SH SOLE 184520 245 520
COCA COLA CO COMMON STOCK 191216100 26122 425615 SH OTHER 284150 125402 16063
COLGATE PALMOLIVE CO COMMON STOCK 194162103 1316 14300 SH SOLE 14300 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 796 8650 SH OTHER 7650 1000 0
COLONIAL PPTYS TR COMMON STOCK 195872106 10 403 SH SOLE 403 0 0
COLONIAL PPTYS TR COMMON STOCK 195872106 255 10000 SH OTHER 0 0 10000
COLUMBIA/HCA HEALTHCARE CORP COMMON STOCK 197677107 50 2647 SH SOLE 2647 0 0
COLUMBIA/HCA HEALTHCARE CORP COMMON STOCK 197677107 168 8883 SH OTHER 3958 4775 150
COMERICA INC COMMON STOCK 200340107 212 3400 SH SOLE 3400 0 0
COMERICA INC COMMON STOCK 200340107 159 2550 SH OTHER 2550 0 0
COMPAQ COMPUTER CORP COMMON STOCK 204493100 13733 433390 SH SOLE 407080 335 25975
COMPAQ COMPUTER CORP COMMON STOCK 204493100 885 27932 SH OTHER 9607 9474 8851
CONSOLIDATED EDISON INC COMMON STOCK 209115104 23 500 SH SOLE 500 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 276 6082 SH OTHER 6082 0 0
COOPER COS INC (NEW) COMMON STOCK 216648402 1610 104699 SH SOLE 104699 0 0
CORNING INCORPORATED COMMON STOCK 219350105 18 300 SH SOLE 300 0 0
CORNING INCORPORATED COMMON STOCK 219350105 438 7300 SH OTHER 2300 5000 0
COSTCO COS INC COMMON STOCK 22160Q102 458 5000 SH OTHER 0 0 5000
COVENTRY HEALTH CARE INC COMMON STOCK 222862104 1764 235190 SH SOLE 235190 0 0
CSX CORP COMMON STOCK 126408103 355 9110 SH SOLE 9110 0 0
CSX CORP COMMON STOCK 126408103 123 3154 SH OTHER 1800 1354 0
CVS CORP COMMON STOCK 126650100 3030 63795 SH SOLE 63695 0 100
CVS CORP COMMON STOCK 126650100 499 10510 SH OTHER 9645 865 0
DANA CORP COMMON STOCK 235811106 259 6816 SH OTHER 6816 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 173 8366 SH SOLE 8366 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 369 17875 SH OTHER 10625 7000 250
DAYTON HUDSON CORP COMMON STOCK 239753106 1158 17380 SH SOLE 17380 0 0
DAYTON HUDSON CORP COMMON STOCK 239753106 2777 41675 SH OTHER 31475 3000 7200
DEERE & CO COMMON STOCK 244199105 222 5750 SH SOLE 5750 0 0
DEERE & CO COMMON STOCK 244199105 53 1362 SH OTHER 762 0 600
DELL COMPUTER CORP COMMON STOCK 247025109 126 3090 SH SOLE 3090 0 0
DELL COMPUTER CORP COMMON STOCK 247025109 149 3650 SH OTHER 1650 0 2000
DIGENE CORP COMMON STOCK 253752109 4 500 SH SOLE 0 0 500
DIGENE CORP COMMON STOCK 253752109 118 15031 SH OTHER 15031 0 0
DISNEY WALT CO COMMON STOCK 254687106 518 16658 SH SOLE 14258 0 2400
DISNEY WALT CO COMMON STOCK 254687106 1405 45132 SH OTHER 27732 6000 11400
DOMINION RESOURCES INC VA COMMON STOCK 257470104 253 6850 SH SOLE 6850 0 0
DOMINION RESOURCES INC VA COMMON STOCK 257470104 528 14302 SH OTHER 9836 2966 1500
DONNELLEY R R & SONS CO COMMON STOCK 257867101 460 14300 SH SOLE 14300 0 0
DONNELLEY R R & SONS CO COMMON STOCK 257867101 2021 62800 SH OTHER 41350 19100 2350
DOW CHEMICAL COMPANY COMMON STOCK 260543103 336 3601 SH SOLE 3601 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 953 10223 SH OTHER 6048 2375 1800
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 3074 52948 SH SOLE 52948 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 5115 88093 SH OTHER 61239 19454 7400
DUKE ENERGY CORP COMMON STOCK 264399106 3645 66506 SH SOLE 65621 160 725
DUKE ENERGY CORP COMMON STOCK 264399106 1638 29889 SH OTHER 22334 6205 1350
EASTMAN CHEM CO COMMON STOCK 277432100 2468 58686 SH SOLE 58686 0 0
EASTMAN CHEM CO COMMON STOCK 277432100 94 2233 SH OTHER 1537 696 0
EASTMAN KODAK CO COMMON STOCK 277461109 16349 255956 SH SOLE 251610 0 4346
EASTMAN KODAK CO COMMON STOCK 277461109 1273 19925 SH OTHER 13723 5852 350
EATON CORP COMMON STOCK 278058102 46 650 SH SOLE 650 0 0
EATON CORP COMMON STOCK 278058102 307 4300 SH OTHER 4300 0 0
EDISON INTERNATIONAL INC COMMON STOCK 281020107 5354 240651 SH SOLE 227611 290 12750
EDISON INTERNATIONAL INC COMMON STOCK 281020107 488 21945 SH OTHER 16175 5770 0
ELECTRONIC DATA SYSTEMS CORP ( COMMON STOCK 285661104 88 1816 SH SOLE 1816 0 0
ELECTRONIC DATA SYSTEMS CORP ( COMMON STOCK 285661104 130 2670 SH OTHER 2670 0 0
EMC CORPORATION COMMON STOCK 268648102 10628 83197 SH SOLE 79862 0 3335
EMC CORPORATION COMMON STOCK 268648102 913 7145 SH OTHER 6545 0 600
EMERSON ELEC CO COMMON STOCK 291011104 2033 38408 SH SOLE 38408 0 0
EMERSON ELEC CO COMMON STOCK 291011104 6929 130890 SH OTHER 91008 35082 4800
ENRON CORP COMMON STOCK 293561106 32 503 SH SOLE 503 0 0
ENRON CORP COMMON STOCK 293561106 2090 32524 SH OTHER 32524 0 0
EXXON CORP COMMON STOCK 302290101 13763 195043 SH SOLE 193193 0 1850
EXXON CORP COMMON STOCK 302290101 24390 345646 SH OTHER 260648 66854 18144
FEDERAL HOME LOAN MORTGAGE COR COMMON STOCK 313400301 536 9350 SH SOLE 9350 0 0
FEDERAL HOME LOAN MORTGAGE COR COMMON STOCK 313400301 771 13450 SH OTHER 12550 0 900
FEDERAL NATIONAL MORTGAGE ASSN COMMON STOCK 313586109 128 1849 SH SOLE 1849 0 0
FEDERAL NATIONAL MORTGAGE ASSN COMMON STOCK 313586109 359 5183 SH OTHER 4883 0 300
FIRST CHARTER CORP COMMON STOCK 319439105 473 24901 SH SOLE 24901 0 0
FIRST INDL RLTY TR INC COMMON STOCK 32054K103 1517 63365 SH SOLE 63365 0 0
FIRST UNION CORP COMMON STOCK 337358105 14719 275452 SH SOLE 260847 0 14605
FIRST UNION CORP COMMON STOCK 337358105 4244 79423 SH OTHER 49133 12168 18122
FLEET FINL GROUP INC COMMON STOCK 338915101 286 7612 SH SOLE 7612 0 0
FLEET FINL GROUP INC COMMON STOCK 338915101 1401 37246 SH OTHER 29946 5500 1800
FORD MTR CO DEL COMMON STOCK 345370100 895 15792 SH SOLE 15792 0 0
FORD MTR CO DEL COMMON STOCK 345370100 1516 26751 SH OTHER 24269 1562 920
FORT JAMES CORP COMMON STOCK 347471104 11257 355247 SH SOLE 336842 0 18405
FORT JAMES CORP COMMON STOCK 347471104 127 4016 SH OTHER 4016 0 0
FORTUNE BRANDS INC COMMON STOCK 349631101 190 4940 SH SOLE 4940 0 0
FORTUNE BRANDS INC COMMON STOCK 349631101 55 1420 SH OTHER 1420 0 0
FPIC INS GROUP INC COMMON STOCK 302563101 2771 66770 SH SOLE 66770 0 0
FPL GROUP INC COMMON STOCK 302571104 1074 20178 SH SOLE 17568 0 2610
FPL GROUP INC COMMON STOCK 302571104 883 16578 SH OTHER 6450 8728 1400
FURNITURE BRANDS INTERNATIONAL COMMON STOCK 360921100 1786 80720 SH SOLE 80720 0 0
GANNETT INC COMMON STOCK 364730101 1058 16800 SH SOLE 16800 0 0
GANNETT INC COMMON STOCK 364730101 634 10058 SH OTHER 1800 2058 6200
GENERAL ELEC CO COMMON STOCK 369604103 36966 334153 SH SOLE 333440 255 458
GENERAL ELEC CO COMMON STOCK 369604103 51995 470010 SH OTHER 341657 89425 38928
GENERAL MLS INC COMMON STOCK 370334104 1753 23195 SH SOLE 23195 0 0
GENERAL MLS INC COMMON STOCK 370334104 2711 35873 SH OTHER 20273 13350 2250
GENERAL MTRS CORP COMMON STOCK 370442105 1436 16500 SH SOLE 16500 0 0
GENERAL MTRS CORP COMMON STOCK 370442105 2453 28200 SH OTHER 17560 7940 2700
GENESYS TELECOMM LABS INC COMMON STOCK 371931106 1246 82725 SH SOLE 82725 0 0
GEORGIA PAC CORP COMMON STOCK 373298108 4446 59883 SH SOLE 52963 0 6920
GEORGIA PAC CORP COMMON STOCK 373298108 471 6341 SH OTHER 5521 300 520
GILLETTE CO COMMON STOCK 375766102 1049 17644 SH SOLE 17344 0 300
GILLETTE CO COMMON STOCK 375766102 746 12558 SH OTHER 8858 3700 0
GLOBAL IMAGING SYS INC COMMON STOCK 37934A100 909 68270 SH SOLE 68270 0 0
GOODYEAR TIRE & RUBR CO COMMON STOCK 382550101 20 400 SH SOLE 400 0 0
GOODYEAR TIRE & RUBR CO COMMON STOCK 382550101 462 9275 SH OTHER 5650 1000 2625
GOODYS FAMILY CLOTHING INC COMMON STOCK 382588101 4401 315736 SH SOLE 315736 0 0
GPU INC COMMON STOCK 36225X100 7235 193894 SH SOLE 182959 0 10935
GPU INC COMMON STOCK 36225X100 123 3294 SH OTHER 2294 1000 0
GROUP MAINTENANCE AMER CORP COMMON STOCK 39943E107 2094 184110 SH SOLE 184110 0 0
GTE CORP COMMON STOCK 362320103 12538 207246 SH SOLE 200295 350 6601
GTE CORP COMMON STOCK 362320103 5597 92508 SH OTHER 77945 13013 1550
HALLIBURTON CO COMMON STOCK 406216101 671 17417 SH SOLE 16917 0 500
HALLIBURTON CO COMMON STOCK 406216101 1179 30613 SH OTHER 24569 2700 3344
HARTFORD FINL SVCS GROUP INC COMMON STOCK 416515104 12146 213792 SH SOLE 200712 0 13080
HARTFORD FINL SVCS GROUP INC COMMON STOCK 416515104 545 9586 SH OTHER 7186 2000 400
HEINZ H J CO COMMON STOCK 423074103 1345 28387 SH SOLE 27632 355 400
HEINZ H J CO COMMON STOCK 423074103 689 14545 SH OTHER 11170 3225 150
HEWLETT PACKARD CO COMMON STOCK 428236103 2034 29994 SH SOLE 29994 0 0
HEWLETT PACKARD CO COMMON STOCK 428236103 4994 73650 SH OTHER 54880 17570 1200
HOME DEPOT INC COMMON STOCK 437076102 394 6328 SH SOLE 6328 0 0
HOME DEPOT INC COMMON STOCK 437076102 604 9700 SH OTHER 2200 5100 2400
HONEYWELL INC COMMON STOCK 438506107 212 2790 SH SOLE 2790 0 0
HONEYWELL INC COMMON STOCK 438506107 326 4300 SH OTHER 4300 0 0
HOST MARRIOTT CORP NEW COMMON STOCK 44107P104 174 15601 SH SOLE 15601 0 0
HOST MARRIOTT CORP NEW COMMON STOCK 44107P104 18 1646 SH OTHER 146 0 1500
HUBCO INC COMMON STOCK 404382103 3226 96121 SH SOLE 96121 0 0
HUMANA INC COMMON STOCK 444859102 10266 595118 SH SOLE 555558 0 39560
HUMANA INC COMMON STOCK 444859102 107 6190 SH OTHER 5990 200 0
IMPERIAL CR COML MTG INVT CORP COMMON STOCK 45272T102 2456 255155 SH SOLE 255155 0 0
IMS HEALTH INC COMMON STOCK 449934108 36 1100 SH SOLE 1100 0 0
IMS HEALTH INC COMMON STOCK 449934108 345 10400 SH OTHER 1800 8600 0
INGERSOLL RAND CO COMMON STOCK 456866102 8402 169308 SH SOLE 158948 0 10360
INGERSOLL RAND CO COMMON STOCK 456866102 147 2956 SH OTHER 2131 825 0
INSURANCE MGMT SOLUTIONS GROUP COMMON STOCK 458045101 1624 180485 SH SOLE 180485 0 0
INTEL CORP COMMON STOCK 458140100 22605 190158 SH SOLE 184673 585 4900
INTEL CORP COMMON STOCK 458140100 10783 90705 SH OTHER 58055 28200 4450
INTERCEPT GROUP INC COMMON STOCK 45845L107 117 13800 SH OTHER 0 0 13800
INTERDENT INC COMMON STOCK 45865R109 1929 350716 SH SOLE 350716 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 111 2636 SH SOLE 2636 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 892 21134 SH OTHER 7734 7400 6000
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 21830 123162 SH SOLE 117172 110 5880
INTL BUSINESS MACHINES CORP COMMON STOCK 459200101 9174 51756 SH OTHER 25876 10280 15600
INTL TELECOMM DATA SYS INC COMMON STOCK 46047F104 2102 169837 SH SOLE 169837 0 0
IRT PPTY CO COMMON STOCK 450058102 50 5624 SH SOLE 5624 0 0
IRT PPTY CO COMMON STOCK 450058102 88 9990 SH OTHER 9990 0 0
JLM INDS INC COMMON STOCK 46621D103 490 93380 SH SOLE 93380 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 21474 229671 SH SOLE 221991 95 7585
JOHNSON & JOHNSON COMMON STOCK 478160104 11503 123030 SH OTHER 60097 50693 12240
JUST FOR FEET INC COMMON STOCK 48213P106 1879 150333 SH SOLE 150333 0 0
KELLOGG CO COMMON STOCK 487836108 70 2080 SH SOLE 2080 0 0
KELLOGG CO COMMON STOCK 487836108 399 11800 SH OTHER 8400 1400 2000
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SAVILLE SYS PLC SPSD ADR COMMON STOCK 805174109 1463 119408 SH SOLE 119408 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 8116 134850 SH SOLE 124200 80 10570
SCHLUMBERGER LTD COMMON STOCK 806857108 1937 32188 SH OTHER 18674 7990 5524
SEAGRAM LTD COMMON STOCK 811850106 480 9600 SH OTHER 7600 0 2000
SMITHKLINE BEECHAM P L C ADR COMMON STOCK 832378301 379 5296 SH SOLE 5296 0 0
SMITHKLINE BEECHAM P L C ADR COMMON STOCK 832378301 1087 15200 SH OTHER 4800 10400 0
UNILEVER N V NEW YORK SHS COMMON STOCK 904784501 900 13554 SH SOLE 13434 120 0
UNILEVER N V NEW YORK SHS COMMON STOCK 904784501 344 5184 SH OTHER 2869 2315 0
KINDER MORGAN ENERGY PARTNERS OTHER 494550106 14 417 SH SOLE N.A. N.A. N.A.
KINDER MORGAN ENERGY PARTNERS OTHER 494550106 225 6500 SH OTHER N.A. N.A. N.A.
NUVEEN PREM INCOME MUN FD 4 IN OTHER 6706K4105 48 3254 SH SOLE N.A. N.A. N.A.
NUVEEN PREM INCOME MUN FD 4 IN OTHER 6706K4105 176 12000 SH OTHER N.A. N.A. N.A.
STANDARD & POORS TR UNIT SER 1 OTHER 78462F103 226 1757 SH SOLE N.A. N.A. N.A.
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