RIGGS BANK N A/WA
13F-HR, 2000-08-09
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<CAPTION>


                             UNITED STATES
                   SECURITIES AND EXCHANGE COMMISSION
                         WASHINGTON, D.C.  20549

                               FORM 13-F

                          FORM 13F COVER PAGE

REPORT FOR THE CALENDAR OR QUARTER ENDED: 6/30/00

CHECK HERE IF AMENDMENT ( ); AMENDMENT NUMBER:
THIS AMENDMENT (CHECH ONLY ONE.):  ( ) IS A RESTATEMENT.
                                   ( ) ADDS NEW HOLDING 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
IS 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, SCHED-
ULES, 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                               8/8/00
     -------------------                               ------
         BASIL D. YAUGER         RIVERDALE, MD          DATE

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:   756
FORM 13F INFORMATION TABLE VALUE TOTAL:   1,684,325
<PAGE>






REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE   1
ASSETS AS OF 06/30/00
REQUESTED MODEL: BNK
REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE   1
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
<S>                                   <C>       <C>        <C>       <C>         <C> <C> <C>         <C>         <C>         <C>
 DAIMLERCHRYSLER AG                   D1668R123       444      8,537 SH          X                       8,444         93
 ORD
 DAIMLERCHRYSLER AG                   D1668R123       198      3,796 SH              X   X               2,738        436        622
 ORD
 GLOBAL CROSSING LTD                  G3921A100       342     12,987 SH              X   X                            300     12,687
 COM
 TRANSOCEAN SEDCO FOREX INC           G90078109       116      2,174 SH          X                       2,174
 ORD
 TRANSOCEAN SEDCO FOREX INC           G90078109       298      5,572 SH              X   X               3,643      1,468        461
 ORD
 1919 M STREET ASSOCIATES - 3.33%     MI0000056       240          1 SH          X                           1
 INTEREST
 1100 21ST STREET ASSOCIATES LIMITED  MI0000098       406          1 SH          X                           1
 PARTNERSHIP - 1.85% INTEREST
 DOCHESTER LTD PARTNERSHIP 16.3569%   MI0003183     1,280          1 SH              X   X                   1

 LANDMARK TERRACE ASSOCIATES LP       MI0003407       509          1 SH              X   X                   1
 5.7778% INTEREST
 SEMINARY FOREST ASSOCIATES LP        MI0003431       630          1 SH              X   X                   1
 6.71667% INTEREST
 46.688514759% INT IN 25% GENERAL     MI0003837       507          1 SH          X                           1
 PARTNERSHIP INTEREST IN FOX REST
 46.688514759% INT IN 21.11% INT IN   MI0003902       580          1 SH          X                           1
 AMERICANA HARUNDALE SOUTHDALE JOINT
 ASSIGNMENT OF 18.75% INTEREST        MI0004017       332          1 SH              X   X                   1
 SILVER HILL ASSOCIATES
 COPY OF THE MARLOW HEIGHTS           MI0004090     1,080          1 SH          X                           1
 LIMITED PARTNERSHIP OF WHICH THIS
 2.889% OMT WHITEHALL ASSOCS L.P.     MI0004231       330          1 SH              X   X                   1

 1.5734% INTEREST IN BRADLEY          MI0006889       212          1 SH          X                           1
 BOULEVARD SHAPPING CENTER JOINT
 CHARLES E SMITH COMMERCIAL REALITY   MI0013091       450          1 SH          X                           1
 LIMITED PARTNERSHIP
 WILDEWOOD PARTNERS                   MI0015500       430          1 SH          X                           1
 15.64% GENERAL PARNERSHIP INTEREST
 WILDEWOOD PARTNERS                   MI0015534       490          1 SH          X                           1
 18.36% GENERAL PARTNERSHIP INTEREST
 CMS MASTERS FUND I-Q L.P.            MI0034972       240          0 SH              X   X

 STEINER LEISURE LTD                  P8744Y102     1,624     71,766 SH          X                      71,766
 ORD
 STEINER LEISURE LTD                  P8744Y102         7        298 SH              X   X                 298
 ORD
 AARP INSD TAX FREE INC INSD TX FR    00036Q209       269     15,238 SH          X                      15,238
 GEN
 A T & T                              001957109     4,799    150,845 SH          X                     142,401        100      8,344

 A T & T                              001957109     2,780     87,382 SH              X   X              60,316     21,102      5,964

                                               ----------
          PAGE TOTAL                               18,593

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE   2
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 ATMI INC                             00207R101     1,831     39,385 SH          X                      39,385
 COM
 ATMI INC                             00207R101         7        155 SH              X   X                 155
 COM
 ABBOTT LABS                          002824100       662     14,860 SH          X                      14,860

 ABBOTT LABS                          002824100     5,240    117,580 SH              X   X              79,980     37,600

 ACTION PERFORMANCE COS INC           004933107     1,068    147,284 SH          X                     147,284
 COM
 ACTION PERFORMANCE COS INC           004933107         4        580 SH              X   X                 580
 COM
 ADVANCE PARADIGM INC                 007491103     2,582    125,969 SH          X                     125,969
 COM
 ADVANCE PARADIGM INC                 007491103        10        500 SH              X   X                 500
 COM
 AEGON N V                            007924103        82      2,296 SH          X                       2,296
 ORD AMER REG
 AEGON N V                            007924103     1,066     29,929 SH              X   X              29,929
 ORD AMER REG
 ADVANTA CORP                         007942204     1,598    187,985 SH          X                     187,985
 CL B
 ADVANTA CORP                         007942204         6        740 SH              X   X                 740
 CL B
 AETNA INC                            008117103       180      2,800 SH          X                       2,800

 AETNA INC                            008117103       524      8,156 SH              X   X               4,356      3,300        500

 AGILENT TECHNOLOGIES INC             00846U101     1,232     16,707 SH          X                      16,707
 COM
 AGILENT TECHNOLOGIES INC             00846U101     1,905     25,825 SH              X   X              19,423      6,402
 COM
 AIR PRODS & CHEMS INC                009158106       482     15,550 SH          X                      15,550

 AIR PRODS & CHEMS INC                009158106       555     17,900 SH              X   X              10,700      7,200

 ALASKA COMMUNICATIONS SYS GRP        01167P101       803     77,435 SH          X                      77,435
 COM
 ALASKA COMMUNICATIONS SYS GRP        01167P101         3        305 SH              X   X                 305
 COM
 ALBERTSONS INC                       013104104     5,217    156,898 SH          X                     139,653                17,245

 ALBERTSONS INC                       013104104        40      1,217 SH              X   X               1,217

 ALCOA INC                            013817101     3,097    106,810 SH          X                      95,900                10,910
 COM
 ALCOA INC                            013817101       106      3,660 SH              X   X               3,660
 COM
 ALLCO CORPORATION                    016995904         0     20,000 SH              X   X              20,000

                                               ----------
          PAGE TOTAL                               28,300

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE   3
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 ALLIANCE CAP MGMT HLDG L P           01855A101       380      8,000 SH              X   X               8,000
 UNIT LTD PARTN
 ALLIED CAP CORP NEW                  01903Q108     1,562     91,888 SH          X                      91,888
 COM
 ALLIED CAP CORP NEW                  01903Q108       305     17,932 SH              X   X               1,925                16,007
 COM
 ALLNEWSCO                            019995901       200        200 SH              X   X                 200

 ALLSTATE CORP                        020002101       913     41,049 SH          X                      40,365        500        184
 COM
 ALLSTATE CORP                        020002101     1,523     68,470 SH              X   X              52,586      9,144      6,740
 COM
 ALLTEL CORP                          020039103     4,886     78,889 SH          X                      70,564                 8,325

 ALLTEL CORP                          020039103       265      4,273 SH              X   X               4,273

 AMERICA ONLINE INC DEL               02364J104       793     15,070 SH          X                      14,070                 1,000

 AMERICA ONLINE INC DEL               02364J104     1,370     26,041 SH              X   X               5,341     20,100        600

 AMERICAN CMNTY PPTYS TR              02520N106        87     21,150 SH              X   X                                    21,150
 COM
 AMERICAN ELEC PWR INC                025537101       157      5,306 SH          X                       5,306

 AMERICAN ELEC PWR INC                025537101       336     11,350 SH              X   X               9,630      1,720

 AMERICAN EXPRESS CO                  025816109    18,628    357,363 SH          X                     330,008        495     26,860

 AMERICAN EXPRESS CO                  025816109     6,501    124,719 SH              X   X              92,433     26,436      5,850

 AMERICAN HOME PRODS CORP             026609107    15,034    255,893 SH          X                     243,163        145     12,585

 AMERICAN HOME PRODS CORP             026609107    16,079    273,683 SH              X   X             203,183     63,900      6,600

 AMERICAN INTL GROUP INC              026874107     6,730     57,273 SH          X                      56,310        670        293

 AMERICAN INTL GROUP INC              026874107     7,669     65,266 SH              X   X              44,017     18,650      2,599

 AMERICAN ITALIAN PASTA CO            027070101       959     44,985 SH          X                      44,985
 CL A
 AMERICAN ITALIAN PASTA CO            027070101         4        185 SH              X   X                 185
 CL A
 AMGEN INC                            031162100     5,200     74,025 SH          X                      68,270        130      5,625

 AMGEN INC                            031162100       299      4,261 SH              X   X               4,261

 ANHEUSER BUSCH COS INC               035229103        60        800 SH          X                         800

 ANHEUSER BUSCH COS INC               035229103       695      9,300 SH              X   X               6,900      2,400

                                               ----------
          PAGE TOTAL                               90,635

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE   4
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 APARTMENT INVT & MGMT CO             03748R101     2,185     50,164 SH          X                      50,164
 CL A
 APARTMENT INVT & MGMT CO             03748R101         9        210 SH              X   X                 210
 CL A
 APPLE COMPUTER INC                   037833100       157      3,000 SH          X                       3,000

 APPLE COMPUTER INC                   037833100       403      7,703 SH              X   X                 403      7,300

 APPLIED PWR INC                      038225108     1,096     32,705 SH          X                      32,705
 CL A
 APPLIED PWR INC                      038225108         4        130 SH              X   X                 130
 CL A
 APPLIEDTHEORY CORP                   03828R104       526     35,052 SH          X                      35,052
 COM
 APPLIEDTHEORY CORP                   03828R104         2        144 SH              X   X                 144
 COM
 ARCH COAL INC                        039380100       567     73,805 SH          X                      73,805
 COM
 ARCH COAL INC                        039380100         2        305 SH              X   X                 305
 COM
 ASSOCIATES FIRST CAP CORP            046008108        63      2,838 SH          X                       2,838
 CL A
 ASSOCIATES FIRST CAP CORP            046008108       222      9,927 SH              X   X               8,734        712        481
 CL A
 ATLANTIC COAST AIRLS HOLDINGS INC    048396105     1,989     62,643 SH          X                      62,643
 COM
 ATLANTIC COAST AIRLS HOLDINGS INC    048396105         8        240 SH              X   X                 240
 COM
 AUTOMATIC DATA PROCESSING INC        053015103       422      7,880 SH          X                       7,880

 AUTOMATIC DATA PROCESSING INC        053015103     1,393     26,000 SH              X   X              26,000

 AVERY DENNISON CORP                  053611109     2,369     35,295 SH          X                      32,360                 2,935

 AVERY DENNISON CORP                  053611109     1,370     20,410 SH              X   X              19,060      1,350

 AXENT TECHNOLOGIES INC               05459C108     1,791     72,180 SH          X                      72,180
 COM
 AXENT TECHNOLOGIES INC               05459C108         7        285 SH              X   X                 285
 COM
 BP AMOCO P L C                       055622104    13,443    237,406 SH          X                     221,496        500     15,410
 SPONSORED ADR
 BP AMOCO P L C                       055622104     7,799    137,737 SH              X   X             108,462     23,996      5,279
 SPONSORED ADR
 BANK OF AMERICA CORP                 060505104     4,770    109,963 SH          X                     101,038                 8,925
 COM
 BANK OF AMERICA CORP                 060505104     1,577     36,366 SH              X   X              33,537      2,329        500
 COM
 BANK ONE CORP                        06423A103       165      6,226 SH          X                       6,226
 COM
                                               ----------
          PAGE TOTAL                               42,339

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE   5
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 BANK ONE CORP                        06423A103     8,472    318,957 SH              X   X             316,682      1,875        400
 COM
 BAXTER INTL INC                      071813109     2,104     29,930 SH          X                      26,990                 2,940

 BAXTER INTL INC                      071813109       100      1,420 SH              X   X               1,120        300

 BECTON DICKINSON & CO                075887109        46      1,600 SH          X                       1,600

 BECTON DICKINSON & CO                075887109       689     24,000 SH              X   X              24,000

 BELL ATLANTIC CORP                   077853109     6,190    121,523 SH          X                     121,523
 CUSIP & NAME CHANGE SEE
 BELL ATLANTIC CORP                   077853109    10,609    208,273 SH              X   X             162,635     38,122      7,516
 CUSIP & NAME CHANGE SEE
 BELLSOUTH CORP                       079860102     2,722     63,863 SH          X                      63,863

 BELLSOUTH CORP                       079860102     8,119    190,467 SH              X   X             133,814     49,133      7,520

 BERKSHIRE HATHAWAY INC DEL           084670207       252        143 SH          X                         143
 CL B
 BERKSHIRE HATHAWAY INC DEL           084670207       194        110 SH              X   X                   5        105
 CL B
 BESTFOODS                            08658U101     3,019     43,600 SH          X                      43,600
 COM
 BESTFOODS                            08658U101     3,704     53,486 SH              X   X              47,826      3,660      2,000
 COM
 BOEING CO                            097023105        88      2,102 SH          X                       2,102

 BOEING CO                            097023105       976     23,335 SH              X   X              11,721     11,414        200

 BRIGGS & STRATTON CORP               109043109       240      7,000 SH          X                       7,000

 BRISTOL MYERS SQUIBB CO              110122108     4,108     70,522 SH          X                      70,522

 BRISTOL MYERS SQUIBB CO              110122108     5,789     99,377 SH              X   X              50,752     43,825      4,800

 BROADCOM CORP                        111320107     1,221      5,575 SH          X                       5,575
 COM
 BROADCOM CORP                        111320107        90        410 SH              X   X                 410
 COM
 BROOKTROUT TECHNOLOGY INC            114580103     1,584     72,606 SH          X                      72,606
 COM
 BROOKTROUT TECHNOLOGY INC            114580103         6        290 SH              X   X                 290
 COM
 BUCKLE INC                           118440106       381     32,403 SH          X                      32,403
 COM
 BUCKLE INC                           118440106         2        129 SH              X   X                 129
 COM
 BUSH INDS INC                        123164105       192     12,000 SH              X   X                                    12,000
 CL A
                                               ----------
          PAGE TOTAL                               60,897

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE   6
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 CIGNA CORP                           125509109       743      7,946 SH          X                       7,946

 CIGNA CORP                           125509109       266      2,847 SH              X   X               2,847

 C P & L ENERGY INC                   12614C106        58      1,829 SH          X                       1,829
 COM
 C P & L ENERGY INC                   12614C106       330     10,340 SH              X   X               1,820      8,520
 COM
 CSX CORP                             126408103       107      5,050 SH          X                       5,050

 CSX CORP                             126408103       105      4,958 SH              X   X               4,958

 CTS CORP                             126501105       772     17,155 SH          X                      17,155
 COM
 CTS CORP                             126501105         3         70 SH              X   X                  70
 COM
 CVS CORP                             126650100       279      6,985 SH          X                       6,885                   100
 COM
 CVS CORP                             126650100       424     10,610 SH              X   X               9,745        865
 COM
 CAMPBELL SOUP CO                     134429109       163      5,600 SH          X                       5,600

 CAMPBELL SOUP CO                     134429109        87      3,000 SH              X   X               2,200        800

 CANANDAIGUA WINE INC                 137219200       353      7,000 SH              X   X                                     7,000
 CL A
 CAPITAL ONE FINL CORP                14040H105     1,909     42,786 SH              X   X               1,797     15,732     25,257
 COM
 CARDINAL HEALTH INC                  14149Y108     5,963     80,586 SH          X                      72,282                 8,304

 CARDINAL HEALTH INC                  14149Y108       143      1,938 SH              X   X               1,864         74

 CARDIODYNAMICS INTL CORP             141597104       784    124,751 SH          X                     124,751
 COM
 CARDIODYNAMICS INTL CORP             141597104         3        498 SH              X   X                 498
 COM
 CATERPILLAR INC                      149123101       230      6,787 SH          X                       6,787

 CATERPILLAR INC                      149123101       462     13,650 SH              X   X               5,700      7,150        800

 CELL THERAPEUTICS INC                150934107       678     22,153 SH          X                      22,153
 CDT-COM
 CELL THERAPEUTICS INC                150934107         3         92 SH              X   X                  92
 CDT-COM
 CENDANT CORP                         151313103     6,053    428,555 SH          X                     384,425                44,130
 COM
 CENDANT CORP                         151313103       116      8,195 SH              X   X               8,195
 COM
 CEPHALON INC                         156708109     1,411     23,570 SH          X                      23,570
 CON
                                               ----------
          PAGE TOTAL                               21,445

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE   7
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 CEPHALON INC                         156708109         6         95 SH              X   X                  95
 CON
 CHASE MANHATTAN CORP                 16161A108       411      8,913 SH          X                       8,913

 CHASE MANHATTAN CORP                 16161A108       315      6,834 SH              X   X               3,834      3,000

 CHECKPOINT SYS INC                   162825103        75     10,000 SH          X                      10,000
 COM
 CHEVRON INC                          166751107     3,536     41,632 SH          X                      41,532                   100

 CHEVRON INC                          166751107     3,392     39,930 SH              X   X              30,470      8,460      1,000

 CHICOS FAS INC                       168615102       952     47,615 SH          X                      47,615
 COM
 CHICOS FAS INC                       168615102         5        237 SH              X   X                 237
 COM
 CHUBB CORP                           171232101       517      8,400 SH          X                       8,400

 CHUBB CORP                           171232101       774     12,578 SH              X   X              10,678      1,900

 CIRCUIT CITY STORES INC              172737108     4,544    136,914 SH          X                     125,309        150     11,455
 (CIRCUIT CITY GROUP COMMON)
 CIRCUIT CITY STORES INC              172737108       800     24,111 SH              X   X              18,681      2,630      2,800
 (CIRCUIT CITY GROUP COMMON)
 CISCO SYS INC                        17275R102    18,818    296,046 SH          X                     272,019      1,000     23,027

 CISCO SYS INC                        17275R102     4,759     74,863 SH              X   X              61,295      9,468      4,100

 CITIGROUP INC                        172967101     4,205     69,574 SH          X                      68,715        297        562
 COM
 CITIGROUP INC                        172967101     4,938     81,700 SH              X   X              40,178     31,068     10,454
 COM
 CLICKACTION INC                      18681E107     1,224     76,490 SH          X                      76,490
 COM
 CLICKACTION INC                      18681E107         5        308 SH              X   X                 308
 COM
 CLOROX CO                            189054109       197      4,400 SH          X                       4,400

 CLOROX CO                            189054109     1,694     37,800 SH              X   X              12,400     25,400

 COASTAL CORP                         190441105     6,651    109,254 SH          X                      98,579                10,675

 COASTAL CORP                         190441105       172      2,825 SH              X   X               2,825

 COCA COLA CO                         191216100     7,108    123,750 SH          X                     123,185        245        320

 COCA COLA CO                         191216100    23,288    405,454 SH              X   X             295,064     97,577     12,813

 COLGATE PALMOLIVE CO                 194162103     1,859     31,055 SH          X                      30,975         80

                                               ----------
          PAGE TOTAL                               90,245

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE   8
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 COLGATE PALMOLIVE CO                 194162103       932     15,567 SH              X   X              13,567      2,000

 COLONIAL BANCGROUP INC               195493309     1,332    147,965 SH          X                     147,965
 COM
 COLONIAL BANCGROUP INC               195493309         5        595 SH              X   X                 595
 COM
 COLUMBIA BOOKS INC CL B NONVTG       197995954       725      7,250 SH          X                       7,250

 COLUMBIA BOOKS INC CL B NONVTG       197995954       200      2,000 SH              X   X               2,000

 COMCAST CORP CL A SPL                200300200     4,565    112,704 SH          X                     101,350                11,354

 COMCAST CORP CL A SPL                200300200       112      2,768 SH              X   X               2,768

 COMMERCIAL NET LEASE REALTY INC      202218103       158     15,000 SH              X   X                                    15,000
 COM
 COMMSCOPE INC                        203372107     1,701     41,480 SH          X                      41,480
 COM
 COMMSCOPE INC                        203372107        72      1,765 SH              X   X                 165                 1,600
 COM
 COMPAQ COMPUTER CORP                 204493100       494     19,326 SH          X                      19,326

 COMPAQ COMPUTER CORP                 204493100       466     18,217 SH              X   X               5,543      6,374      6,300

 COMPUTER ASSOC INTL INC              204912109     3,449     67,383 SH          X                      60,453                 6,930

 COMPUTER ASSOC INTL INC              204912109        40        785 SH              X   X                 785

 CONEXANT SYS INC                     207142100        62      1,266 SH          X                       1,266
 COM
 CONEXANT SYS INC                     207142100       224      4,614 SH              X   X               4,614
 COM
 CONGRESSIONAL TOWERS SECTION I L.P.  207994013       260          3 SH              X   X                   3

 CONGRESSIONAL TOWERS SECTION II      207994021       275          3 SH              X   X                   3
 L.P.
 CONSTELLATION ENERGY GROUP INC       210371100       251      7,693 SH          X                       7,693
 COM
 CONSTELLATION ENERGY GROUP INC       210371100       351     10,775 SH              X   X              10,775
 COM
 CORNING INCORPORATED                 219350105       196        725 SH          X                         725

 CORNING INCORPORATED                 219350105     1,955      7,244 SH              X   X               2,844      4,400

 COST PLUS INC CALIF                  221485105     1,056     36,800 SH          X                      36,800
 COM
 COST PLUS INC CALIF                  221485105         4        145 SH              X   X                 145
 COM
 COSTCO WHSL CORP NEW                 22160K105       396     12,000 SH              X   X                                    12,000
 COM
                                               ----------
          PAGE TOTAL                               19,281

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE   9
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 CROSS TIMBERS OIL CO                 227573102     1,353     61,150 SH          X                      61,150
 COM
 CROSS TIMBERS OIL CO                 227573102         5        245 SH              X   X                 245
 COM
 CUSTOM COMPOSITE MATERIALS, INC.     232001990       100     24,675 SH              X   X              24,675

 DARDEN RESTAURANTS INC               237194105       117      7,200 SH          X                       7,200
 COM
 DARDEN RESTAURANTS INC               237194105       250     15,355 SH              X   X               9,705      5,400        250
 COM
 DEERE & CO                           244199105        17        450 SH          X                         450

 DEERE & CO                           244199105       246      6,662 SH              X   X               6,662

 DELL COMPUTER CORP                   247025109       652     13,220 SH          X                      13,220

 DELL COMPUTER CORP                   247025109       475      9,626 SH              X   X               6,276        600      2,750

 DELPHI AUTOMOTIVE SYS CORP           247126105       129      8,864 SH          X                       8,864
 COM
 DELPHI AUTOMOTIVE SYS CORP           247126105       263     18,042 SH              X   X              11,775      4,522      1,745
 COM
 DELTEK SYS INC                       24785A108       285     48,320 SH          X                      48,320
 COM
 DELTEK SYS INC                       24785A108         1        223 SH              X   X                 223
 COM
 DIGENE CORP                          253752109        20        500 SH          X                                               500
 COM
 DIGENE CORP                          253752109       607     15,031 SH              X   X              15,031
 COM
 DISNEY (WALT) COMPANY HOLDING CO     254687106       829     21,363 SH          X                      21,363

 DISNEY (WALT) COMPANY HOLDING CO     254687106     1,330     34,259 SH              X   X              19,259      6,000      9,000

 DIVERSA CORP                         255064107       476     14,378 SH          X                      14,378
 COM
 DIVERSA CORP                         255064107         2         57 SH              X   X                  57
 COM
 DOCUCORP INTL INC                    255911109        68     18,200 SH              X   X                                    18,200
 COM
 DOMINION RES INC VA NEW              25746U109       341      7,965 SH          X                       7,965
 COM
 DOMINION RES INC VA NEW              25746U109       479     11,179 SH              X   X               7,213      2,466      1,500
 COM
 DONNELLEY R R & SONS CO              257867101       212      9,400 SH          X                       9,400

 DONNELLEY R R & SONS CO              257867101     1,370     60,700 SH              X   X              39,950     18,400      2,350

 DOW CHEMICAL COMPANY                 260543103       314     10,263 SH          X                      10,263

                                               ----------
          PAGE TOTAL                                9,941

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE  10
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 DOW CHEMICAL COMPANY                 260543103       904     29,519 SH              X   X              16,994      7,125      5,400

 DU PONT E I DE NEMOURS & CO          263534109     3,418     77,771 SH          X                      73,796                 3,975
 COM
 DU PONT E I DE NEMOURS & CO          263534109     4,180     95,098 SH              X   X              73,892     15,806      5,400
 COM
 DUKE ENERGY CORP                     264399106     1,740     30,654 SH          X                      29,669        560        425

 DUKE ENERGY CORP                     264399106     1,538     27,094 SH              X   X              20,584      5,160      1,350

 EMC CORPORATION                      268648102    10,196    132,412 SH          X                     122,642        200      9,570

 EMC CORPORATION                      268648102     3,105     40,322 SH              X   X              36,322      1,600      2,400

 EOG RES INC                          26875P101       268      8,000 SH              X   X                                     8,000
 COM
 EASTERN ENTERPRISES                  27637F100       315      5,000 SH              X   X               5,000

 EASTMAN KODAK CO                     277461109     1,862     31,231 SH          X                      31,161                    70

 EASTMAN KODAK CO                     277461109       909     15,252 SH              X   X              10,737      4,165        350

 EATON CORP                           278058102        29        430 SH          X                         430

 EATON CORP                           278058102       288      4,300 SH              X   X               4,300

 ECLIPSYS CORP                        278856109       190     25,381 SH          X                      25,381
 COM
 ECLIPSYS CORP                        278856109         1        103 SH              X   X                 103
 COM
 EDISON INTERNATIONAL INC             281020107       822     40,110 SH          X                      39,620        290        200

 EDISON INTERNATIONAL INC             281020107       310     15,116 SH              X   X              10,096      5,020

 EL PASO ENERGY CORP DEL              283905107       197      3,866 SH          X                       3,866
 COM
 EL PASO ENERGY CORP DEL              283905107       914     17,941 SH              X   X              13,723      1,826      2,392
 COM
 EMERSON ELEC CO                      291011104     5,819     96,378 SH          X                      90,403                 5,975

 EMERSON ELEC CO                      291011104     7,703    127,580 SH              X   X              90,098     33,882      3,600

 ENCOMPASS SVCS CORP                  29255U104     2,049    356,389 SH          X                     356,389
 COM
 ENCOMPASS SVCS CORP                  29255U104         8      1,472 SH              X   X               1,472
 COM
 ENRON CORP                           293561106       349      5,406 SH          X                       5,406

 ENRON CORP                           293561106     3,576     55,444 SH              X   X              55,444

                                               ----------
          PAGE TOTAL                               50,690

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE  11
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 ERICSSON L M TEL CO ADR CL B SEK 10  294821400        45      2,240 SH          X                       2,240

 ERICSSON L M TEL CO ADR CL B SEK 10  294821400     2,272    113,600 SH              X   X             113,600

 EXXON MOBIL CORP                     30231G102    27,024    344,256 SH          X                     330,230        660     13,366
 COM
 EXXON MOBIL CORP                     30231G102    36,045    459,172 SH              X   X             340,886     89,718     28,568
 COM
 F & M NATL CORP                      302374103       607     28,914 SH          X                      28,914
 COM
 FPL GROUP INC                        302571104       172      3,464 SH          X                       3,464

 FPL GROUP INC                        302571104       673     13,553 SH              X   X               4,225      7,928      1,400

 FALCON PRODS INC                     306075102       171     18,000 SH              X   X                                    18,000
 COM
 FEDERAL HOME LOAN MORTGAGE CORP      313400301       241      5,950 SH          X                       5,450        500

 FEDERAL HOME LOAN MORTGAGE CORP      313400301       547     13,500 SH              X   X              13,500

 FEDERAL NATIONAL MORTGAGE ASSN       313586109     5,234    100,049 SH          X                      90,933         85      9,031

 FEDERAL NATIONAL MORTGAGE ASSN       313586109       468      8,948 SH              X   X               8,748        200

 FIDELITY COURT STR TR                316089507       231     19,063 SH          X                      19,063
 SPARTAN MUN INCOME FD
 FIRST CHARTER CORP                   319439105       694     44,084 SH          X                      44,084
 COM
 FIRST CHARTER CORP                   319439105         2        157 SH              X   X                 157
 COM
 FIRST CONSULTING GROUP INC           31986R103       583    104,815 SH          X                     104,815
 COM
 FIRST CONSULTING GROUP INC           31986R103         2        395 SH              X   X                 395
 COM
 FIRST DATA CORP                      319963104     2,026     40,835 SH          X                      36,635                 4,200

 FIRST DATA CORP                      319963104        24        485 SH              X   X                 485

 FIRST INDL RLTY TR INC               32054K103     1,734     58,770 SH          X                      58,770
 COM
 FIRST INDL RLTY TR INC               32054K103         7        245 SH              X   X                 245
 COM
 FIRST INVESTORS INSURED TAX EXEMPT   32060M101       126     12,793 SH              X   X              12,793
 FUND
 FIRST UNION CORP                     337358105       400     16,102 SH          X                      16,102

 FIRST UNION CORP                     337358105     1,177     47,453 SH              X   X              25,883     11,048     10,522

 FLEETBOSTON FINL CORP                339030108     4,660    137,070 SH          X                     124,339                12,731
 COM
                                               ----------
          PAGE TOTAL                               85,165

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE  12
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 FLEETBOSTON FINL CORP                339030108     1,150     33,836 SH              X   X              24,336      5,500      4,000
 COM
 FORD MTR CO DEL                      345370100       676     15,713 SH          X                      15,713

 FORD MTR CO DEL                      345370100       948     22,051 SH              X   X              19,569      1,562        920

 FORT JAMES CORP                      347471104       277     11,992 SH          X                      11,992
 COM
 FORT JAMES CORP                      347471104        27      1,156 SH              X   X               1,156
 COM
 FORTUNE BRANDS INC                   349631101       100      4,355 SH          X                       4,355
 COM
 FORTUNE BRANDS INC                   349631101       171      7,420 SH              X   X               1,420                 6,000
 COM
 FRANKLIN TAX FREE TR                 354723793       373     33,116 SH              X   X              33,116
 N C TAX FREE INCOME FD
 FRITZ COS INC                        358846103     2,134    206,895 SH          X                     206,895

 FRITZ COS INC                        358846103         8        810 SH              X   X                 810

 FURNITURE BRANDS INTERNATIONAL INC   360921100       978     61,831 SH          X                      61,831
 COM
 FURNITURE BRANDS INTERNATIONAL INC   360921100         4        250 SH              X   X                 250
 COM
 GPU INC                              36225X100       264      9,749 SH          X                       9,749

 GPU INC                              36225X100        92      3,409 SH              X   X               1,729      1,680

 GTE CORP                             362320103    11,988    192,571 SH          X                     179,431        350     12,790

 GTE CORP                             362320103     5,580     89,642 SH              X   X              77,204     10,288      2,150

 GANNETT INC                          364730101       438      7,325 SH          X                       7,325

 GANNETT INC                          364730101       613     10,250 SH              X   X               8,600      1,650

 GAP INC                              364760108     4,224    135,156 SH          X                     122,226                12,930

 GAP INC                              364760108        67      2,146 SH              X   X               2,146

 GATEWAY 2000 INC                     367626108     4,490     78,770 SH          X                      70,445                 8,325
 COM
 GATEWAY 2000 INC                     367626108        54        950 SH              X   X                 950
 COM
 GENERAL ELEC CO                      369604103    33,124    632,446 SH          X                     630,661      1,065        720

 GENERAL ELEC CO                      369604103    68,168  1,301,542 SH              X   X             950,163    237,495    113,884

 GENERAL MLS INC                      370334104     1,623     42,440 SH          X                      42,440

                                               ----------
          PAGE TOTAL                              137,571

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE  13
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 GENERAL MLS INC                      370334104     2,715     70,992 SH              X   X              43,192     23,300      4,500

 GENERAL MTRS CORP                    370442105       755     13,018 SH          X                      13,018

 GENERAL MTRS CORP                    370442105     1,583     27,299 SH              X   X              18,298      6,301      2,700

 GEORGIA PAC CORP                     373298108        93      3,524 SH          X                       3,524

 GEORGIA PAC CORP                     373298108       306     11,644 SH              X   X               9,362                 2,282

 GILLETTE CO                          375766102       875     25,044 SH          X                      24,944        100

 GILLETTE CO                          375766102       522     14,931 SH              X   X               9,731      5,200

 GOLD BANC CORP INC                   379907108     1,313    262,567 SH          X                     262,567
 COM
 GOLD BANC CORP INC                   379907108         5      1,013 SH              X   X               1,013
 COM
 GOLDEN WEST FINANCIAL CORP           381317106       122      3,000 SH          X                       3,000

 GOLDEN WEST FINANCIAL CORP           381317106       171      4,200 SH              X   X                          2,100      2,100

 GOLDSTATE CORP                       381540103         1     12,550 SH          X                      12,550
 COM
 GOODYS FAMILY CLOTHING INC           382588101       513     93,233 SH          X                      93,233
 COM
 GOODYS FAMILY CLOTHING INC           382588101         2        316 SH              X   X                 316
 COM
 HCA-THE HEALTHCARE CO                404119109        29        950 SH          X                         950
 COM
 HCA-THE HEALTHCARE CO                404119109       219      7,093 SH              X   X               3,293      3,800
 COM
 HNC SOFTWARE INC                     40425P107       247      4,000 SH              X   X               4,000
 COM
 H STREET BUILDING CORP               404995904    27,680     19,920 SH          X                      19,920

 HAIN CELESTIAL GROUP INC             405217100       756     20,605 SH          X                      20,605
 COM
 HAIN CELESTIAL GROUP INC             405217100         3         81 SH              X   X                  81
 COM
 HALLIBURTON CO                       406216101       775     16,433 SH          X                      16,433

 HALLIBURTON CO                       406216101     1,289     27,313 SH              X   X              24,813      1,900        600

 HANGER ORTHOPEDIC GROUP INC          41043F208       990    200,385 SH          X                     200,385
 COM NEW
 HANGER ORTHOPEDIC GROUP INC          41043F208         4        835 SH              X   X                 835
 COM NEW
 HARTFORD FINL SVCS GROUP INC         416515104     5,728    102,393 SH          X                      93,558                 8,835
 COM
                                               ----------
          PAGE TOTAL                               46,696

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE  14
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 HARTFORD FINL SVCS GROUP INC         416515104       440      7,861 SH              X   X               5,861      2,000
 COM
 HEINZ H J CO                         423074103       899     20,551 SH          X                      20,201        250        100

 HEINZ H J CO                         423074103       657     15,018 SH              X   X              12,693      2,175        150

 HELIX TECHNOLOGY CORP                423319102       966     24,760 SH          X                      24,760
 COM
 HELIX TECHNOLOGY CORP                423319102         4        100 SH              X   X                 100
 COM
 HEWLETT PACKARD CO                   428236103     4,221     33,799 SH          X                      33,799

 HEWLETT PACKARD CO                   428236103     8,464     67,780 SH              X   X              50,980     16,800

 HIGHLAND HOUSE L.P.                  430990010       203          3 SH              X   X                   3

 HIGHLAND HOUSE WEST L.P.             430990044       606          5 SH              X   X                   5

 HOME DEPOT INC                       437076102       500     10,018 SH          X                      10,018

 HOME DEPOT INC                       437076102       804     16,097 SH              X   X               4,147      8,350      3,600

 HONEYWELL INTL INC                   438516106       728     21,600 SH          X                      21,600
 COM
 HONEYWELL INTL INC                   438516106     1,117     33,172 SH              X   X              23,172     10,000
 COM
 HOOPER HOLMES INC                    439104100     1,036    129,520 SH          X                     129,520

 HOOPER HOLMES INC                    439104100         4        515 SH              X   X                 515

 HOST MARRIOTT CORP NEW               44107P104       120     12,784 SH          X                      12,784
 COM
 HOST MARRIOTT CORP NEW               44107P104       114     12,113 SH              X   X                 146                11,967
 COM
 HUDSON H D MFG CO CL B               443834205         2     12,280 SH          X                      12,280

 HUDSON UNITED BANCORP                444165104     1,487     66,281 SH          X                      66,281
 COM
 HUDSON UNITED BANCORP                444165104         6        260 SH              X   X                 260
 COM
 IMS HEALTH INC                       449934108        11        600 SH          X                         600
 COM
 IMS HEALTH INC                       449934108       187     10,400 SH              X   X               5,000      5,400
 COM
 IRT PPTY CO                          450058102         9      1,000 SH          X                       1,000

 IRT PPTY CO                          450058102        85      9,990 SH              X   X               9,990

 ITC DELTACOM INC                     45031T104     1,256     56,272 SH          X                      56,272
 COM
                                               ----------
          PAGE TOTAL                               23,926

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE  15
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 ITC DELTACOM INC                     45031T104       117      5,232 SH              X   X                 232                 5,000
 COM
 ILLINOIS TOOL WKS INC                452308109       140      2,460 SH          X                       2,460

 ILLINOIS TOOL WKS INC                452308109       106      1,856 SH              X   X               1,856

 IMMUNEX CORP NEW                     452528102       297      6,000 SH          X                       6,000
 COM
 IMMUNEX CORP NEW                     452528102       133      2,700 SH              X   X                 300                 2,400
 COM
 INDEPENDENT COMMUNITY BANKSHARES     45384Q103       366     16,000 SH              X   X                                    16,000
 VIRGINIA
 INGERSOLL RAND CO                    456866102     5,021    124,751 SH          X                     112,293                12,458

 INGERSOLL RAND CO                    456866102        89      2,201 SH              X   X               2,201

 INKTOMI CORP                         457277101       473      4,000 SH          X                       4,000
 COM
 INKTOMI CORP                         457277101        47        400 SH              X   X                 400
 COM
 INTEL CORP                           458140100    29,275    218,982 SH          X                     210,322        920      7,740

 INTEL CORP                           458140100    23,843    178,351 SH              X   X             116,039     54,925      7,387

 INTERDENT INC                        45865R109       645    180,893 SH          X                     180,893
 COM
 INTERDENT INC                        45865R109         2        555 SH              X   X                 555
 COM
 INTERNATIONAL BUSINESS MACHINES CORP 459200101    10,840     98,942 SH          X                      93,800         75      5,067

 INTERNATIONAL BUSINESS MACHINES CORP 459200101    11,289    103,034 SH              X   X              53,994     16,960     32,080

 INTERNATIONAL PAPER CO               460146103       151      5,054 SH          X                       5,054

 INTERNATIONAL PAPER CO               460146103       911     30,542 SH              X   X              20,470     10,072

 INTERNATIONAL RECTIFIER CORP         460254105     1,229     21,953 SH          X                      21,953
 COM
 INTERNATIONAL RECTIFIER CORP         460254105         5         90 SH              X   X                  90
 COM
 INTERPUBLIC GROUP COS INC            460690100       177      4,125 SH          X                       4,125

 INTERPUBLIC GROUP COS INC            460690100        75      1,755 SH              X   X               1,755

 JDS UNIPHASE CORP                    46612J101       306      2,555 SH          X                       2,555
 COM
 JDS UNIPHASE CORP                    46612J101       173      1,440 SH              X   X               1,440
 COM
 JAKKS PAC INC                        47012E106       565     38,320 SH          X                      38,320
 COM
                                               ----------
          PAGE TOTAL                               86,275

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE  16
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 JAKKS PAC INC                        47012E106         2        160 SH              X   X                 160
 COM
 JOHNSON & JOHNSON                    478160104    14,091    138,312 SH          X                     130,597        100      7,615

 JOHNSON & JOHNSON                    478160104    12,397    121,692 SH              X   X              77,152     33,600     10,940

 KELLOGG CO                           487836108        62      2,080 SH          X                       2,080

 KELLOGG CO                           487836108       328     11,032 SH              X   X               7,632      1,400      2,000

 KIMBERLY CLARK CORP                  494368103       982     17,109 SH          X                      16,559        400        150

 KIMBERLY CLARK CORP                  494368103     4,289     74,749 SH              X   X              68,622      2,235      3,892

 KINDER MORGAN ENERGY PARTNERS L P    494550106        17        417 SH          X                         417
 UNIT LTD PARTNERSHIP INT
 KINDER MORGAN ENERGY PARTNERS L P    494550106       459     11,500 SH              X   X                                    11,500
 UNIT LTD PARTNERSHIP INT
 KONINKLIJKE PHILIPS ELECTRS N V      500472204     5,708    120,254 SH          X                     107,627                12,627
 SPONSORED ADR NEW
 KONINKLIJKE PHILIPS ELECTRS N V      500472204       257      5,419 SH              X   X               5,419
 SPONSORED ADR NEW
 KORN FERRY INTL                      500643200       222      7,000 SH              X   X                                     7,000
 COM NEW
 LCC INTL INC                         501810105     2,101     76,930 SH          X                      76,930
 CL A
 LCC INTL INC                         501810105         8        303 SH              X   X                 303
 CL A
 LEHMAN BROS HLDGS INC                524908100        48        508 SH          X                         508
 COM
 LEHMAN BROS HLDGS INC                524908100       203      2,140 SH              X   X               1,240        400        500
 COM
 LIBERTY PPTY TR                      531172104       363     14,000 SH              X   X                                    14,000
 SH BEN INT
 LILLY ELI & CO                       532457108       478      4,790 SH          X                       4,790

 LILLY ELI & CO                       532457108     2,806     28,100 SH              X   X              17,900      8,950      1,250

 LINENS N THINGS INC                  535679104       803     29,590 SH          X                      29,590
 COM
 LINENS N THINGS INC                  535679104         3        120 SH              X   X                 120
 COM
 LONDON PAC GROUP LTD                 542073101     1,174     90,329 SH          X                      90,329
 SPONSORED ADR
 LONDON PAC GROUP LTD                 542073101         5        365 SH              X   X                 365
 SPONSORED ADR
 LONE STAR TECHNOLOGIES INC           542312103       558     12,067 SH          X                      12,067
 COM
 LONE STAR TECHNOLOGIES INC           542312103       141      3,048 SH              X   X               3,048
 COM
                                               ----------
          PAGE TOTAL                               47,505

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE  17
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 LOUISIANA FRUIT CO                   54624N102       263         31 SH              X   X                  31

 LUCENT TECHNOLOGIES INC              549463107    10,845    184,591 SH          X                     173,378        234     10,979
 COM
 LUCENT TECHNOLOGIES INC              549463107     6,179    105,171 SH              X   X              77,837     22,082      5,252
 COM
 MRV COMMUNICATIONS INC               553477100     2,021     30,059 SH          X                      30,059
 COM
 MRV COMMUNICATIONS INC               553477100         8        124 SH              X   X                 124
 COM
 MACK CALI RLTY CORP                  554489104       206      8,000 SH              X   X                                     8,000
 COM
 MADDEN STEVEN LTD                    556269108       446     67,976 SH          X                      67,976
 COM
 MADDEN STEVEN LTD                    556269108         2        270 SH              X   X                 270
 COM
 MARSH & MCLENNAN COS INC             571748102       413      3,950 SH              X   X               2,300      1,650

 MARRIOTT INTL INC NEW                571903202     1,083     30,021 SH          X                      30,021
 CL A
 MARRIOTT INTL INC NEW                571903202        49      1,370 SH              X   X                 470                   900
 CL A
 MATTEL INC                           577081102     2,697    204,515 SH          X                     183,210                21,305

 MATTEL INC                           577081102        49      3,717 SH              X   X               2,717      1,000

 MAXPITCH MEDIA, INC                  5777999M3        20     10,000 SH              X   X              10,000

 MAVERICK TUBE CORP                   577914104     1,246     42,770 SH          X                      42,770
 COM
 MAVERICK TUBE CORP                   577914104         5        170 SH              X   X                 170
 COM
 MCCORMICK & CO INC                   579780206        65      2,000 SH          X                       2,000

 MCCORMICK & CO INC                   579780206       406     12,500 SH              X   X                 500                12,000

 MCDONALDS CORP                       580135101     1,455     44,175 SH          X                      44,175

 MCDONALDS CORP                       580135101     7,054    214,150 SH              X   X              95,100     88,100     30,950

 MCGRAW HILL INC                      580645109       216      4,000 SH          X                       4,000

 MCGRAW HILL INC                      580645109        76      1,400 SH              X   X               1,400

 MEAD CORP                            582834107       332     13,040 SH              X   X                         13,040

 MEDIAONE GROUP INC                   58440J104       149      2,236 SH          X                       2,236
 COM
 MEDIAONE GROUP INC                   58440J104     1,195     17,939 SH              X   X              12,939      5,000
 COM
                                               ----------
          PAGE TOTAL                               36,480

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE  18
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 MEDICONSULT COM INC                  58469J100        21     14,000 SH              X   X              14,000
 COM
 MEDTRONIC INC                        585055106       822     16,492 SH          X                      16,492

 MELLON FINL CORP                     58551A108       547     15,000 SH          X                      14,200        800
 COM
 MELLON FINL CORP                     58551A108       160      4,400 SH              X   X               4,400
 COM
 MENS WEARHOUSE INC                   587118100       212      9,500 SH              X   X                                     9,500
 COM
 MERCANTILE BANKSHARES CORP           587405101       591     19,809 SH          X                      19,809

 MERCK & CO INC                       589331107     6,177     80,608 SH          X                      78,208        300      2,100

 MERCK & CO INC                       589331107    17,413    227,252 SH              X   X             177,758     34,010     15,484

 MERITOR AUTOMOTIVE INC               59000G100         2        188 SH          X                         188
 COM
 MERITOR AUTOMOTIVE INC               59000G100       146     13,280 SH              X   X               1,780                11,500
 COM
 MERRILL LYNCH & CO INC               590188108     6,803     59,154 SH          X                      53,964                 5,190

 MERRILL LYNCH & CO INC               590188108       300      2,605 SH              X   X               1,605      1,000

 MESA AIR GROUP, INC                  590479101     1,172    211,874 SH          X                     211,874
 COM
 MESA AIR GROUP, INC                  590479101         5        835 SH              X   X                 835
 COM
 METTLER-TOLEDO INTL INC              592688105     1,270     31,755 SH          X                      31,755
 COM
 METTLER-TOLEDO INTL INC              592688105         5        130 SH              X   X                 130
 COM
 MICROSOFT CORP                       594918104    14,257    178,215 SH          X                     162,555        140     15,520

 MICROSOFT CORP                       594918104     2,383     29,792 SH              X   X              26,292      2,500      1,000

 MID-ATLANTIC RLTY TR                 595232109        16      1,600 SH          X                       1,600
 SH BEN INT
 MID-ATLANTIC RLTY TR                 595232109       110     11,000 SH              X   X                                    11,000
 SH BEN INT
 MIDDLEBURY NATIONAL CORP             596995910     1,292     24,600 SH              X   X                                    24,600

 MINNESOTA MNG & MFG CO               604059105       953     11,523 SH          X                      11,523

 MINNESOTA MNG & MFG CO               604059105     3,675     44,443 SH              X   X              29,743      9,520      5,180

 MODIS PROFESSIONAL SVCS INC          607830106     1,178    154,530 SH          X                     154,530
 COM
 MODIS PROFESSIONAL SVCS INC          607830106        13      1,710 SH              X   X               1,710
 COM
                                               ----------
          PAGE TOTAL                               59,523

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE  19
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 MONTANA PWR CO                       612085100       128      3,600 SH          X                       3,600

 MONTANA PWR CO                       612085100       401     11,300 SH              X   X                 500     10,800

 MORGAN J P & CO INC                  616880100     2,555     23,199 SH          X                      23,199

 MORGAN J P & CO INC                  616880100     3,712     33,704 SH              X   X              24,094      7,625      1,985

 MORGAN STANLEY DEAN WITTER & CO      617446448       449      5,390 SH          X                       5,390

 MORGAN STANLEY DEAN WITTER & CO      617446448     2,326     27,936 SH              X   X              27,100        836

 MOTOROLA INC                         620076109     6,928    230,920 SH          X                     216,859                14,061

 MOTOROLA INC                         620076109     1,779     59,287 SH              X   X              20,287     39,000

 NBTY INC                             628782104       523     82,014 SH          X                      82,014
 COM
 NBTY INC                             628782104         2        325 SH              X   X                 325
 COM
 NABISCO HLDGS CORP                   629526104     6,346    121,458 SH          X                     109,233        225     12,000
 CL A
 NABISCO HLDGS CORP                   629526104       281      5,378 SH              X   X               4,828        550
 CL A
 NATIONAL-OILWELL INC                 637071101     1,369     41,651 SH          X                      41,651
 COM
 NATIONAL-OILWELL INC                 637071101         6        175 SH              X   X                 175
 COM
 NAVIDEC INC                          63934Q101     1,197    134,865 SH          X                     134,865
 COM
 NAVIDEC INC                          63934Q101         5        560 SH              X   X                 560
 COM
 NESTLE SA SPNSORED ADR REPSTG REG SH 641069406       201      2,000 SH              X   X               2,000

 NETPLEX GROUP INC                    641147103       570    264,460 SH          X                     264,460
 COM
 NETPLEX GROUP INC                    641147103         2      1,062 SH              X   X               1,062
 COM
 NETWORK APPLIANCE INC                64120L104       208      2,580 SH          X                       2,580
 COM
 NETWORK APPLIANCE INC                64120L104        56        700 SH              X   X                 700
 COM
 NETZEE INC                           64122W108       671    117,305 SH          X                     117,305
 COM
 NETZEE INC                           64122W108        14      2,490 SH              X   X                 490                 2,000
 COM
 NEW CENTURY ENERGIES INC             64352U103        63      2,089 SH          X                       2,089
 COM
 NEW CENTURY ENERGIES INC             64352U103       139      4,634 SH              X   X               4,634
 COM
                                               ----------
          PAGE TOTAL                               29,931

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE  20
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 NEW YORK TIMES CO CL A               650111107       435     11,000 SH          X                      11,000

 NEW YORK TIMES CO CL A               650111107       142      3,600 SH              X   X                 400      3,200

 NEXTEL COMMUNICATIONS INC CL A       65332V103        49        800 SH          X                         800
 (NAME CHANGED 7/93 FROM FLEET
 NEXTEL COMMUNICATIONS INC CL A       65332V103       330      5,400 SH              X   X               5,400
 (NAME CHANGED 7/93 FROM FLEET
 NOKIA CORP                           654902204       600     11,990 SH          X                      11,810        180
 SPONSORED ADR
 NOKIA CORP                           654902204       682     13,616 SH              X   X               4,436      5,180      4,000
 SPONSORED ADR
 NORFOLK SOUTHERN CORPORATION         655844108     1,434     96,402 SH          X                      96,402

 NORFOLK SOUTHERN CORPORATION         655844108     2,307    155,062 SH              X   X              88,248     61,684      5,130

 NORTEL NETWORKS CORP NEW             656568102     7,637    110,889 SH          X                     101,584                 9,305
 COM
 NORTEL NETWORKS CORP NEW             656568102       645      9,360 SH              X   X               7,160      2,200
 COM
 NORTHERN STS PWR CO MINN             665772109       250     12,400 SH          X                      12,400

 NORTHERN STS PWR CO MINN             665772109       653     32,356 SH              X   X              16,704     13,040      2,612

 NORTHWESTERN CORP                    668074107     1,568     67,816 SH          X                      67,816
 COM
 NORTHWESTERN CORP                    668074107         6        265 SH              X   X                 265
 COM
 NOVADIGM INC                         669937104       622     31,475 SH          X                      31,475
 COM
 NOVADIGM INC                         669937104         2        117 SH              X   X                 117
 COM
 NOVEN PHARMACEUTICALS INC            670009109       883     29,378 SH          X                      29,378
 COM
 NOVEN PHARMACEUTICALS INC            670009109         4        120 SH              X   X                 120
 COM
 NUVEEN FLAGSHIP MULTISTATE III       67065P758       389     36,950 SH              X   X              36,950
 TENNESSEE MUNI BOND FUND CL A
 NUVEEN MUN VALUE FD INC              670928100        58      6,907 SH          X                       6,907

 NUVEEN MUN VALUE FD INC              670928100        37      4,387 SH              X   X               4,387

 OHIO SAVINGS FINANCIAL CORP          677502106     3,486      1,162 SH              X   X                                     1,162

 OMNICOM GROUP                        681919106        45        500 SH          X                         500

 OMNICOM GROUP                        681919106       166      1,868 SH              X   X               1,868

 OPTIMAL ROBOTICS CORP                68388R208       963     25,090 SH          X                      25,090

                                               ----------
          PAGE TOTAL                               23,393

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE  21
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 OPTIMAL ROBOTICS CORP                68388R208         4        100 SH              X   X                 100

 ORACLE CORPORATION                   68389X105     4,433     52,735 SH          X                      48,205                 4,530

 ORACLE CORPORATION                   68389X105     2,183     25,969 SH              X   X              24,269        200      1,500

 P & J BRANDS, INC                    6930999P0       100    100,000 SH          X                     100,000

 PECO ENERGY CO                       693304107     3,473     86,160 SH          X                      77,120        400      8,640

 PECO ENERGY CO                       693304107        90      2,236 SH              X   X               2,236

 PMC-SIERRA INC                       69344F106       164        925 SH          X                         925
 COM
 PMC-SIERRA INC                       69344F106        40        225 SH              X   X                 225
 COM
 PNC BANC CORP                        693475105       389      8,289 SH          X                       8,289

 PNC BANC CORP                        693475105       431      9,202 SH              X   X               6,802      2,400

 PPG INDS INC                         693506107        67      1,520 SH          X                       1,520

 PPG INDS INC                         693506107       199      4,500 SH              X   X               4,500

 PAC-WEST TELECOM INC                 69371Y101       654     32,715 SH          X                      32,715
 COM
 PAC-WEST TELECOM INC                 69371Y101        15        735 SH              X   X                 135                   600
 COM
 PACIFIC SUNWEAR CALIF INC            694873100       687     36,616 SH          X                      36,616
 COM
 PACIFIC SUNWEAR CALIF INC            694873100         3        150 SH              X   X                 150
 COM
 PENNEY J C INC                       708160106       130      7,049 SH          X                       7,049

 PENNEY J C INC                       708160106       310     16,802 SH              X   X              10,882      4,900      1,020

 PEPSICO INC                          713448108     1,545     34,759 SH          X                      32,223                 2,536

 PEPSICO INC                          713448108     3,042     68,450 SH              X   X              34,850     29,600      4,000

 PERFORMANCE FOOD GROUP CO            713755106     2,195     68,594 SH          X                      68,594
 COM
 PERFORMANCE FOOD GROUP CO            713755106         9        275 SH              X   X                 275
 COM
 PFIZER INC                           717081103    14,303    297,980 SH          X                     282,557        628     14,795

 PFIZER INC                           717081103    58,312  1,214,831 SH              X   X             237,610    967,796      9,425

 PHARMACIA CORP                       71713U102     1,560     30,180 SH          X                      30,180
 COM
                                               ----------
          PAGE TOTAL                               94,338

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE  22
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 PHARMACIA CORP                       71713U102     6,694    129,511 SH              X   X              86,111     40,900      2,500
 COM
 PHILIP MORRIS COS INC                718154107       521     19,626 SH          X                      19,626

 PHILIP MORRIS COS INC                718154107     2,181     82,125 SH              X   X              63,975     15,150      3,000

 PITNEY BOWES INC                     724479100       240      6,000 SH          X                       6,000

 PITNEY BOWES INC                     724479100       472     11,800 SH              X   X              10,700      1,100

 PLAINS ALL AMERN PIPELINE L P        726503105       335     18,000 SH              X   X                                    18,000
 UNIT LTD PARTNERSHIP INT
 POTOMAC ELEC PWR CO                  737679100       702     26,990 SH          X                      26,990

 POTOMAC ELEC PWR CO                  737679100     1,078     41,448 SH              X   X              23,458     12,024      5,966

 PRECISION DRILLING CORP              74022D100       954     24,629 SH          X                      24,629
 COM
 PRECISION DRILLING CORP              74022D100         4         98 SH              X   X                  98
 COM
 PRIDE INTL INC                       741932107     1,151     46,515 SH          X                      46,515
 COM
 PRIDE INTL INC                       741932107         5        195 SH              X   X                 195
 COM
 PROCTER & GAMBLE CO                  742718109     4,487     78,373 SH          X                      78,373

 PROCTER & GAMBLE CO                  742718109     9,741    170,144 SH              X   X             112,639     51,115      6,390

 PROTEIN DESIGN LABS INC              74369L103     1,337      8,105 SH          X                       8,105
 COM
 PROTEIN DESIGN LABS INC              74369L103         6         35 SH              X   X                  35
 COM
 PROVIDIAN FINL CORP                  74406A102        68        750 SH          X                         750
 COM
 PROVIDIAN FINL CORP                  74406A102     1,169     12,989 SH              X   X              12,989
 COM
 PSINET INC                           74437C101       201      8,000 SH              X   X                          2,000      6,000
 COM
 PUBLIC SVC ENTERPRISE GROUP          744573106        24        700 SH          X                         700

 PUBLIC SVC ENTERPRISE GROUP          744573106       192      5,540 SH              X   X               5,540

 QUAKER OATS CO                       747402105         3         44 SH          X                          44

 QUAKER OATS CO                       747402105       220      2,925 SH              X   X                          2,925

 QUALCOMM INC                         747525103     2,724     45,404 SH          X                      40,819                 4,585

 QUALCOMM INC                         747525103       317      5,278 SH              X   X               4,278      1,000

                                               ----------
          PAGE TOTAL                               34,826

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE  23
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 QUANTUM CORP DSSG                    747906204     1,410    145,515 SH          X                     145,515
 COM
 QUANTUM CORP DSSG                    747906204         6        600 SH              X   X                 600
 COM
 QWEST COMMUNICATIONS INTL INC        749121109       374      7,522 SH          X                       7,522
 COM
 QWEST COMMUNICATIONS INTL INC        749121109       315      6,332 SH              X   X               2,332      1,000      3,000
 COM
 RARE HOSPITALITY INTL INC            753820109       912     32,289 SH          X                      32,289
 COM
 RARE HOSPITALITY INTL INC            753820109         4        133 SH              X   X                 133
 COM
 RENT A CTR INC NEW                   76009N100     2,292    101,847 SH          X                     101,847
 COM
 RENT A CTR INC NEW                   76009N100         9        405 SH              X   X                 405
 COM
 RIGGS U S GOVT SECS CL R             76656A500    17,259  1,809,100 SH          X                   1,796,967                12,132

 RIGGS U S GOVT SECS CL R             76656A500     4,928    516,611 SH              X   X             331,545               185,066

 RIGGS US GOVT SEC FUND CL Y          76656A773    72,372  7,586,138 SH          X                   7,555,231     14,778     16,128

 RIGGS US GOVT SEC FUND CL Y          76656A773    18,804  1,971,029 SH              X   X           1,643,906    327,122

 RIGGS LONG TERM TAX FREE FD CL R     76656A856    37,877  3,746,442 SH          X                   3,677,130     45,748     23,563

 RIGGS LONG TERM TAX FREE FD CL R     76656A856    26,523  2,623,426 SH              X   X           1,910,307    637,398     75,720

 RIGGS INTERMEDIATE TAX FREE BD FD R  76656A864    34,559  3,438,705 SH          X                   3,414,261     13,419     11,023

 RIGGS INTERMEDIATE TAX FREE BD FD R  76656A864    31,428  3,127,212 SH              X   X           2,388,310    738,901

 RIGGS BOND FUND CL R                 76656A872    29,312  2,907,892 SH          X                   2,896,404      8,029      3,458

 RIGGS BOND FUND CL R                 76656A872    10,332  1,024,962 SH              X   X             940,139     84,822

 RIGGS NATL CORP WASH D C             766570105       442     35,004 SH          X                      32,004      1,500      1,500

 RIGGS NATL CORP WASH D C             766570105     1,546    122,436 SH              X   X             113,471      6,635      2,330

 ROCKWELL INTL CORP NEW               773903109        40      1,266 SH          X                       1,266
 COM
 ROCKWELL INTL CORP NEW               773903109       275      8,744 SH              X   X               8,744
 COM
 ROHM & HAAS CO                       775371107        41      1,178 SH          X                       1,178

 ROHM & HAAS CO                       775371107       202      5,844 SH              X   X               5,844

 ROPER INDS INC NEW                   776696106       256     10,000 SH              X   X                                    10,000

                                               ----------
          PAGE TOTAL                              291,518

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE  24
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 T ROWE PRICE STATE TAX               77957R101       209     20,810 SH          X                      20,810
 FREE INCOME TRUST MARYLAND
 T ROWE PRICE STATE TAX               77957R101        15      1,470 SH              X   X               1,470
 FREE INCOME TRUST MARYLAND
 T ROWE PRICE TAX FREE INCOME FUND    779576107       212     22,892 SH              X   X              22,892

 ROYAL DUTCH PETE CO                  780257804     4,204     68,292 SH          X                      66,746                 1,546
 N Y REGISTRY SH PAR N GLDR 1.25
 ROYAL DUTCH PETE CO                  780257804     4,251     69,057 SH              X   X              46,057     20,200      2,800
 N Y REGISTRY SH PAR N GLDR 1.25
 RYANAIR HLDGS PLC                    783513104     1,611     44,139 SH          X                      44,139
 SPONSORED ADR
 RYANAIR HLDGS PLC                    783513104         7        179 SH              X   X                 179
 SPONSORED ADR
 SBC COMMUNICATIONS INC               78387G103     6,743    155,899 SH          X                     149,333        630      5,936

 SBC COMMUNICATIONS INC               78387G103     7,142    165,136 SH              X   X             134,345     29,591      1,200

 SBS TECHNOLOGIES INC                 78387P103     1,642     44,445 SH          X                      44,445
 COM
 SBS TECHNOLOGIES INC                 78387P103         6        175 SH              X   X                 175
 COM
 SCI SYS INC                          783890106     5,251    134,003 SH          X                     119,848                14,155
 COM
 SCI SYS INC                          783890106        59      1,512 SH              X   X               1,512
 COM
 SLM HLDG CORP                        78442A109       271      7,230 SH          X                       7,230
 COM
 SLM HLDG CORP                        78442A109         4        100 SH              X   X                 100
 COM
 SAFEGUARD SCIENTIFICS INC            786449108       548     17,100 SH              X   X                                    17,100
 COM
 SAFEWAY INC NEW                      786514208     7,448    165,042 SH          X                     149,266        300     15,476

 SAFEWAY INC NEW                      786514208       215      4,766 SH              X   X               4,766

 SAGA SYS INC                         786610105       513     41,220 SH          X                      40,720                   500
 COM
 SAGA SYS INC                         786610105         2        165 SH              X   X                 165
 COM
 ST PAUL COS INC                      792860108       107      3,122 SH          X                       3,122

 ST PAUL COS INC                      792860108       429     12,568 SH              X   X               6,368      6,200

 SANCHEZ COMPUTER ASSOCS INC          799702105       203      8,560 SH              X   X                                     8,560
 COM
 SARA LEE CORP                        803111103       150      7,800 SH          X                       7,800

 SARA LEE CORP                        803111103     1,518     79,100 SH              X   X              30,700     48,000        400

                                               ----------
          PAGE TOTAL                               42,760

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE  25
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 SAUL CTRS INC                        804395101        19      1,200 SH          X                       1,200
 COM
 SAUL CTRS INC                        804395101       161     10,000 SH              X   X              10,000
 COM
 SCANSOURCE INC                       806037107     1,697     43,643 SH          X                      43,643
 COM
 SCANSOURCE INC                       806037107         8        195 SH              X   X                 195
 COM
 SCHERING PLOUGH CORP                 806605101       251      4,970 SH          X                       4,970

 SCHERING PLOUGH CORP                 806605101     1,418     28,086 SH              X   X              22,086      6,000

 SCHLUMBERGER LTD                     806857108     1,064     14,259 SH          X                      14,259

 SCHLUMBERGER LTD                     806857108     2,448     32,808 SH              X   X              22,818      7,590      2,400

 SCHWAB CHARLES CORP NEW              808513105       333      9,900 SH          X                       9,900
 COM
 SEALED AIR CORP NEW                  81211K100     1,793     34,235 SH          X                      31,075                 3,160
 COM
 SEALED AIR CORP NEW                  81211K100        95      1,817 SH              X   X               1,817
 COM
 SEARS ROEBUCK & CO                   812387108     5,881    180,269 SH          X                     163,069        210     16,990

 SEARS ROEBUCK & CO                   812387108       932     28,575 SH              X   X              24,713      2,762      1,100

 SEITEL INC                           816074306        98     12,000 SH              X   X              12,000
 COM NEW
 SIEBEL SYS INC                       826170102       196      1,200 SH          X                       1,200
 COM
 SIEBEL SYS INC                       826170102        25        150 SH              X   X                 150
 COM
 SKY FINL GROUP INC                   83080P103       176     11,055 SH              X   X              11,055
 COM
 SKYWEST INC                          830879102     1,969     53,125 SH          X                      53,125
 COM
 SKYWEST INC                          830879102         8        210 SH              X   X                 210
 COM
 SMITHKLINE BEECHAM P L C             832378301       319      4,896 SH          X                       4,896
 ADR REPSTG ORD A
 SMITHKLINE BEECHAM P L C             832378301       991     15,200 SH              X   X               4,800     10,400
 ADR REPSTG ORD A
 SOLECTRON CORP                       834182107       180      4,300 SH          X                       4,300

 SOLECTRON CORP                       834182107        84      2,000 SH              X   X                                     2,000

 SOLUTIA INC                          834376105         6        400 SH          X                         400
 COM
 SOLUTIA INC                          834376105       301     21,871 SH              X   X              13,975      7,896
 COM
                                               ----------
          PAGE TOTAL                               20,453

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE  26
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 SOUTHWEST BANCORPORATION TEX         84476R109       625     30,105 SH          X                      30,105
 COM
 SOUTHWEST BANCORPORATION TEX         84476R109         2        120 SH              X   X                 120
 COM
 SOVEREIGN BANCORP INC                845905108       162     23,000 SH              X   X                                    23,000
 COM
 SPRINT CORP                          852061100     4,547     89,152 SH          X                      79,762                 9,390

 SPRINT CORP                          852061100     1,577     30,926 SH              X   X              10,044     20,882

 SPRINT CORP                          852061506        10        166 SH          X                         166
 PCS COM SER 1
 SPRINT CORP                          852061506       696     11,700 SH              X   X               2,510      9,190
 PCS COM SER 1
 STANLEY FURNITURE INC                854305208       299     13,600 SH              X   X                                    13,600
 COM NEW
 STANLEY WKS                          854616109        90      3,800 SH          X                       3,800

 STANLEY WKS                          854616109       245     10,300 SH              X   X              10,300

 STATE STR CORP                       857477103       445      4,200 SH          X                       4,200
 COM
 STATE STR CORP                       857477103     1,930     18,200 SH              X   X               3,200     15,000
 COM
 STEEL DYNAMICS INC                   858119100     1,189    131,140 SH          X                     131,140
 COM
 STEEL DYNAMICS INC                   858119100         5        520 SH              X   X                 520
 COM
 STERLING BANCORP                     859158107       728     46,225 SH          X                      46,225

 STERLING BANCORP                     859158107         3        180 SH              X   X                 180

 STILLWATER MNG CO                    86074Q102       756     27,136 SH          X                      27,136
 COM
 STILLWATER MNG CO                    86074Q102         3        109 SH              X   X                 109
 COM
 STMICROELECTRONICS N V               861012102     3,304     51,475 SH          X                      46,060                 5,415
 SHS-N Y RGISTRY
 STMICROELECTRONICS N V               861012102        39        615 SH              X   X                 615
 SHS-N Y RGISTRY
 SUN MICROSYSTEMS INC                 866810104     2,598     28,571 SH          X                      28,391        180

 SUN MICROSYSTEMS INC                 866810104     1,825     20,070 SH              X   X              15,205        465      4,400

 SUPER VALU INC                       868536103       983     51,588 SH          X                      51,588

 SUPER VALU INC                       868536103       324     17,000 SH              X   X                                    17,000

 SYMIX SYS INC                        871535100       670     75,512 SH          X                      75,512
 COM
                                               ----------
          PAGE TOTAL                               23,055

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE  27
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 SYMIX SYS INC                        871535100         3        296 SH              X   X                 296
 COM
 SYSCO CORP                           871829107       181      4,300 SH          X                       4,300

 SYSCO CORP                           871829107       132      3,129 SH              X   X               3,129

 TECO ENERGY INC                      872375100       425     21,168 SH          X                      21,168

 TECO ENERGY INC                      872375100        84      4,200 SH              X   X               3,600        600

 TJX COMPANIES INC                    872540109     4,505    240,285 SH          X                     217,120                23,165

 TJX COMPANIES INC                    872540109        60      3,185 SH              X   X               2,915        270

 TRW INC                              872649108       227      5,235 SH          X                       5,235

 TRW INC                              872649108        58      1,330 SH              X   X                 930                   400

 TXU CORP                             873168108       273      8,780 SH          X                       8,780
 COM
 TXU CORP                             873168108       253      8,150 SH              X   X               3,860      4,090        200
 COM
 TARGET CORP                          87612E106     4,223     72,810 SH          X                      67,570                 5,240
 COM
 TARGET CORP                          87612E106     1,886     32,520 SH              X   X              29,520      3,000
 COM
 TECH DATA CORP                       878237106     2,790     64,038 SH          X                      64,038
 COM
 TECH DATA CORP                       878237106        12        264 SH              X   X                 264
 COM
 TEXACO INC                           881694103       662     12,426 SH          X                      12,226        200

 TEXACO INC                           881694103     1,010     18,950 SH              X   X              13,500      4,150      1,300

 TEXAS INSTRS INC                     882508104     3,671     53,438 SH          X                      48,093                 5,345

 TEXAS INSTRS INC                     882508104     1,245     18,126 SH              X   X              12,790      5,336

 TEXTRON INC                          883203101     4,953     91,196 SH          X                      83,816        150      7,230

 TEXTRON INC                          883203101     1,167     21,484 SH              X   X              13,374      7,310        800

 TIME WARNER INC                      887315109     5,270     69,340 SH          X                      62,220         40      7,080

 TIME WARNER INC                      887315109       221      2,905 SH              X   X               2,905

 TRIBUNE CO NEW                       896047107     9,234    263,830 SH          X                     244,870      1,255     17,705

 TRIBUNE CO NEW                       896047107     1,753     50,072 SH              X   X              34,212     14,860      1,000

                                               ----------
          PAGE TOTAL                               44,298

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE  28
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 TRIGON HEALTHCARE INC                89618L100     1,879     36,449 SH          X                      36,449
 COM
 TRIGON HEALTHCARE INC                89618L100         7        145 SH              X   X                 145
 COM
 TRUE NORTH COMMUNICATIONS INC        897844106       907     20,615 SH          X                      20,615
 COM
 TRUE NORTH COMMUNICATIONS INC        897844106         4         85 SH              X   X                  85
 COM
 TUESDAY MORNING CORP                 899035505       977     93,045 SH          X                      93,045
 COM NEW
 TUESDAY MORNING CORP                 899035505         4        365 SH              X   X                 365
 COM NEW
 TYCO INTL LTD NEW                    902124106     8,456    178,501 SH          X                     161,130        125     17,246
 COM
 TYCO INTL LTD NEW                    902124106    11,649    245,891 SH              X   X               4,228        600    241,063
 COM
 UAL CORP                             902549500       124      2,139 SH          X                       2,139
 COM PAR $0.01
 UAL CORP                             902549500        78      1,345 SH              X   X                 345      1,000
 COM PAR $0.01
 US BANCORP DEL                       902973106       252     13,107 SH          X                      13,107
 COM
 UNILEVER N V NEW YORK SHS            904784709       327      7,609 SH          X                       7,609
 NEW
 UNILEVER N V NEW YORK SHS            904784709       153      3,561 SH              X   X               2,478      1,083
 NEW
 UNION PAC CORP                       907818108       212      5,660 SH          X                       5,660

 UNION PAC CORP                       907818108     1,201     32,024 SH              X   X              22,724      6,900      2,400

 UNION PAC RES GROUP INC              907834105        66      3,012 SH          X                       3,012
 COM
 UNION PAC RES GROUP INC              907834105       430     19,549 SH              X   X              12,014      5,842      1,693
 COM
 U S WEST INC NEW                     91273H101       710      8,282 SH          X                       8,282
 COM
 U S WEST INC NEW                     91273H101     2,408     28,085 SH              X   X              21,706      6,379
 COM
 UNITED TECHNOLOGIES CORP             913017109     9,524    161,764 SH          X                     149,054        600     12,110

 UNITED TECHNOLOGIES CORP             913017109     2,585     43,899 SH              X   X              36,449      7,450

 UNITED HEALTH GROUP INC              91324P102     2,931     34,175 SH          X                      30,640                 3,535
 COM
 UNITED HEALTH GROUP INC              91324P102        56        657 SH              X   X                 657
 COM
 USINTERNETWORKING INC                917311805       930     45,510 SH          X                      45,510
 COM
 USINTERNETWORKING INC                917311805         4        190 SH              X   X                 190
 COM
                                               ----------
          PAGE TOTAL                               45,874

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE  29
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 VAN KAMPEN AMERN CAP TAX EXEMPT TR   92113R309       134     12,659 SH              X   X                                    12,659
 HIGH YIELD MUN FD CL C
 VARIAN SEMICONDUCTOR EQUIPTMENT      922207105     1,865     29,695 SH          X                      29,695
 ASSOCS INC COM
 VARIAN SEMICONDUCTOR EQUIPTMENT      922207105         7        118 SH              X   X                 118
 ASSOCS INC COM
 VECTREN CORP                         92240G101       257     14,881 SH              X   X              14,881
 COM
 VANGUARD MUN BD FD INC               922907308       282     26,728 SH          X                      26,728
 LONG TERM PORTFOLIO
 VERMONT TEDDY BEAR CO INC            92427X109     5,689  1,820,625 SH              X   X                                 1,820,625

 VIACOM INC NON VTG CLASS B           925524308       231      3,393 SH          X                       3,393

 VIACOM INC NON VTG CLASS B           925524308     3,134     45,968 SH              X   X              40,543      3,255      2,170

 VINTAGE PETE INC                     927460105       923     40,920 SH          X                      40,920
 COM
 VINTAGE PETE INC                     927460105         4        170 SH              X   X                 170
 COM
 VODAFONE AIRTOUCH PLC LTD            92857T107       798     19,105 SH          X                      19,105
 SPONSERED ADR
 VODAFONE AIRTOUCH PLC LTD            92857T107     1,514     36,275 SH              X   X              35,175      1,100
 SPONSERED ADR
 WACHOVIA CORP                        929771103       644     11,874 SH          X                      11,874

 WACHOVIA CORP                        929771103       995     18,342 SH              X   X              12,697      4,785        860

 WAL MART STORES INC                  931142103     1,820     31,890 SH          X                      31,840                    50

 WAL MART STORES INC                  931142103     7,948    139,282 SH              X   X              57,982     77,300      4,000

 WALGREEN CO                          931422109       376     11,690 SH          X                      11,525        165

 WALGREEN CO                          931422109     2,075     64,600 SH              X   X              58,200      6,400

 WARREN POTOMAC INC                   935995902     2,778      4,682 SH              X   X                          4,682

 WASHINGTON GAS LT CO                 938837101       295     12,280 SH          X                      12,280

 WASHINGTON GAS LT CO                 938837101       535     22,254 SH              X   X              17,366                 4,888

 WASHINGTON MUTUAL INC                939322103     4,143    143,785 SH          X                     129,133        450     14,202

 WASHINGTON MUTUAL INC                939322103       113      3,921 SH              X   X               3,396        525

 WASHINGTON REAL ESTATE INVT TR       939653101        22      1,240 SH          X                       1,240
 SH BEN INT
 WASHINGTON REAL ESTATE INVT TR       939653101       528     29,553 SH              X   X              28,653        900
 SH BEN INT
                                               ----------
          PAGE TOTAL                               37,110

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE  30
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 WASTE MGMT INC DEL                   94106L109       342     17,998 SH          X                      17,998
 COM
 WASTE MGMT INC DEL                   94106L109        24      1,237 SH              X   X                 222      1,015
 COM
 WEINGARTEN REALTY INVESTORS SHS BEN  948741103     1,852     45,865 SH          X                      45,865

 WEINGARTEN REALTY INVESTORS SHS BEN  948741103        40        986 SH              X   X                 986

 WELLS FARGO & CO NEW                 949746101     5,558    141,609 SH          X                     129,624        115     11,870
 COM
 WELLS FARGO & CO NEW                 949746101     1,072     27,316 SH              X   X              27,316
 COM
 WENDYS INTL INC                      950590109        85      4,700 SH          X                       4,700

 WENDYS INTL INC                      950590109       144      8,000 SH              X   X               4,200      3,800

 WESTERN RESOURCES INC                959425109        45      2,932 SH          X                       2,932

 WESTERN RESOURCES INC                959425109       277     17,875 SH              X   X              16,525        950        400

 WEYERHAEUSER CO                      962166104     4,144     96,369 SH          X                      88,759        100      7,510

 WEYERHAEUSER CO                      962166104     1,368     31,821 SH              X   X              22,381      7,565      1,875

 WHITMAN CORP NEW                     96647R107       117      9,600 SH          X                       9,600
 COM
 WHITMAN CORP NEW                     96647R107        17      1,400 SH              X   X               1,400
 COM
 WHITNEY HLDG CORP                    966612103        23        675 SH          X                         675

 WHITNEY HLDG CORP                    966612103       474     13,850 SH              X   X                         13,850

 WILMINGTON TR CORP                   971807102       419      9,804 SH              X   X               6,480                 3,324

 WISCONSIN ENERGY CORP                976657106        33      1,657 SH          X                       1,657

 WISCONSIN ENERGY CORP                976657106       223     11,250 SH              X   X               4,050      7,200

 WORLDCOM INC GA NEW                  98157D106    12,524    272,994 SH          X                     271,657        225      1,112
 COM
 WORLDCOM INC GA NEW                  98157D106     2,806     61,171 SH              X   X              49,267      2,750      9,154
 COM
 XILINX INC                           983919101     1,056     12,785 SH          X                      11,470                 1,315

 XILINX INC                           983919101        12        150 SH              X   X                 150

 XEROX CORP                           984121103       845     41,614 SH          X                      41,114        200        300

 XEROX CORP                           984121103     1,433     70,537 SH              X   X              50,597     16,440      3,500

                                               ----------
          PAGE TOTAL                               34,933

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/21/00           PAGE  31
                                                                    AS OF 06/30/00
 - - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 XPEDIOR INC                          98413B100       826     59,781 SH          X                      59,781
 COM
 XPEDIOR INC                          98413B100         3        239 SH              X   X                 239
 COM
 ZEBRA TECHNOLOGIES CORP              989207105     1,141     25,755 SH          X                      25,755
 CL A
 ZEBRA TECHNOLOGIES CORP              989207105         5        105 SH              X   X                 105
 CL A
 ZIONS BANCORPORATION                 989701107     4,286     93,390 SH          X                      84,590                 8,800
 COM
 ZIONS BANCORPORATION                 989701107        68      1,481 SH              X   X               1,481
 COM
                                               ----------
          PAGE TOTAL                                6,329
         FINAL TOTALS                           1,684,325
</TABLE>



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