RIGGS BANK N A/WA
13F-HR, 2000-11-07
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                             UNITED STATES
                   SECURITIES AND EXCHANGE COMMISSION
                         WASHINGTON, D.C.  20549

                               FORM 13-F

                          FORM 13F COVER PAGE

REPORT FOR THE CALENDAR OR QUARTER ENDED: 9/30/00

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                               11/7/00
     -------------------                               -------
         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:   749
FORM 13F INFORMATION TABLE VALUE TOTAL:   1,634,873

<PAGE>

REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE    1
ASSETS AS OF 09/30/00
REQUESTED MODEL: BNK
REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE    1
                                                                    AS OF 09/30/00

- - - - - 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       188      4,242 SH          X                       4,242
 ORD
 DAIMLERCHRYSLER AG                   D1668R123       149      3,365 SH              X   X               2,618        436        311
 ORD
 APW LTD                              G04397108     1,626     33,345 SH          X                      33,345
 COM
 APW LTD                              G04397108         7        140 SH              X   X                 140
 COM
 GLOBAL CROSSING LTD                  G3921A100       403     12,987 SH              X   X                            300     12,687
 COM
 TRANSOCEAN SEDCO FOREX INC           G90078109       102      1,740 SH          X                       1,740
 ORD
 TRANSOCEAN SEDCO FOREX INC           G90078109       323      5,513 SH              X   X               3,584      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
 16% INT IN GENERAL PARTNERSHIP       MI0003837       711          1 SH          X                           1
 INTEREST IN FOX REST WOODS 1
 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       308          0 SH              X   X

 STEINER LEISURE LTD                  P8744Y102     1,533     68,534 SH          X                      68,534
 ORD
 STEINER LEISURE LTD                  P8744Y102         7        293 SH              X   X                 293
 ORD
 A T & T                              001957109     1,962     66,793 SH          X                      66,581        100        112

                                               ----------
          PAGE TOTAL                               14,288
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE    2
                                                                    AS OF 09/30/00
 - - - - - 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)
 A T & T                              001957109     3,039    103,470 SH              X   X              71,263     26,243      5,964

 ATMI INC                             00207R101     1,255     53,670 SH          X                      53,670
 COM
 ATMI INC                             00207R101         5        230 SH              X   X                 230
 COM
 ABBOTT LABS                          002824100       647     13,612 SH          X                      13,612

 ABBOTT LABS                          002824100     5,545    116,580 SH              X   X              78,980     37,600

 ADVANCE PARADIGM INC                 007491103     2,469     58,523 SH          X                      58,523
 COM
 ADVANCE PARADIGM INC                 007491103        11        260 SH              X   X                 260
 COM
 AEGON N V                            007924103        85      2,296 SH          X                       2,296
 ORD AMER REG
 AEGON N V                            007924103     1,103     29,706 SH              X   X              29,706
 ORD AMER REG
 ADVANTA CORP                         007942204     1,511    185,639 SH          X                     185,639
 CL B
 ADVANTA CORP                         007942204         7        857 SH              X   X                 857
 CL B
 AETNA INC                            008117103       163      2,800 SH          X                       2,800

 AETNA INC                            008117103       474      8,156 SH              X   X               4,356      3,300        500

 AGILENT TECHNOLOGIES INC             00846U101       620     12,665 SH          X                      12,665
 COM
 AGILENT TECHNOLOGIES INC             00846U101     1,251     25,559 SH              X   X              19,157      6,402
 COM
 AIR PRODS & CHEMS INC                009158106       560     15,550 SH          X                      15,550

 AIR PRODS & CHEMS INC                009158106       644     17,900 SH              X   X              10,700      7,200

 ALCOA INC                            013817101     3,454    136,465 SH          X                     121,600                14,865
 COM
 ALCOA INC                            013817101       101      3,985 SH              X   X               3,985
 COM
 ALLCO CORPORATION                    016995904         0     20,000 SH              X   X              20,000

 ALLIANCE CAP MGMT HLDG L P           01855A101       401      8,000 SH              X   X               8,000
 UNIT LTD PARTN
 ALLIED CAP CORP NEW                  01903Q108     1,348     64,953 SH          X                      64,953
 COM
 ALLIED CAP CORP NEW                  01903Q108       308     14,847 SH              X   X               1,840                13,007
 COM
 ALLNEWSCO                            019995901       200        200 SH              X   X                 200

 ALLSTATE CORP                        020002101     1,381     39,749 SH          X                      39,065        500        184
 COM
                                               ----------
          PAGE TOTAL                               26,582
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE    3
                                                                    AS OF 09/30/00
 - - - - - 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)
 ALLSTATE CORP                        020002101     2,407     69,272 SH              X   X              51,944     10,588      6,740
 COM
 ALPHARMA INC                         020813101       511      8,358 SH          X                       8,358
 CL A
 ALPHARMA INC                         020813101         2         37 SH              X   X                  37
 CL A
 AMERICA ONLINE INC DEL               02364J104       806     14,990 SH          X                      13,990                 1,000

 AMERICA ONLINE INC DEL               02364J104     1,400     26,041 SH              X   X               5,341     20,100        600

 AMERICAN CAP STRATEGIES LTD          024937104       270     11,400 SH              X   X                                    11,400
 COM
 AMERICAN CMNTY PPTYS TR              02520N106        90     21,150 SH              X   X                                    21,150
 COM
 AMERICAN ELEC PWR INC                025537101       203      5,186 SH          X                       5,186

 AMERICAN ELEC PWR INC                025537101       428     10,928 SH              X   X               9,208      1,720

 AMERICAN EXPRESS CO                  025816109    16,107    265,142 SH          X                     247,277        495     17,370

 AMERICAN EXPRESS CO                  025816109     7,461    122,812 SH              X   X              90,526     26,436      5,850

 AMERICAN HOME PRODS CORP             026609107    15,467    274,058 SH          X                     259,633        145     14,280

 AMERICAN HOME PRODS CORP             026609107    15,201    269,331 SH              X   X             198,831     63,900      6,600

 AMERICAN INTL GROUP INC              026874107     7,998     83,581 SH          X                      82,138      1,004        439

 AMERICAN INTL GROUP INC              026874107     9,272     96,899 SH              X   X              65,032     27,971      3,896

 AMERICAN ITALIAN PASTA CO            027070101     1,361     70,910 SH          X                      70,910
 CL A
 AMERICAN ITALIAN PASTA CO            027070101         6        315 SH              X   X                 315
 CL A
 AMGEN INC                            031162100     5,241     75,059 SH          X                      69,304        130      5,625

 AMGEN INC                            031162100       274      3,931 SH              X   X               3,931

 ANADARKO PETE CORP                   032511107        91      1,368 SH          X                       1,368

 ANADARKO PETE CORP                   032511107       590      8,882 SH              X   X               5,456      2,656        770

 ANGELES PARTNERS                     034644104       237         30 SH          X                          30
 UNIT L P VII
 ANHEUSER BUSCH COS INC               035229103     2,792     65,990 SH          X                      58,830                 7,160

 ANHEUSER BUSCH COS INC               035229103       821     19,400 SH              X   X              14,600      4,800

 APARTMENT INVT & MGMT CO             03748R101     1,855     40,262 SH          X                      40,262
 CL A
                                               ----------
          PAGE TOTAL                               90,891
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE    4
                                                                    AS OF 09/30/00
 - - - - - 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         8        170 SH              X   X                 170
 CL A
 APPLE COMPUTER INC                   037833100        90      3,485 SH          X                       3,485

 APPLE COMPUTER INC                   037833100       194      7,521 SH              X   X                 821      6,700

 APPLIEDTHEORY CORP                   03828R104       833    135,976 SH          X                     135,976
 COM
 APPLIEDTHEORY CORP                   03828R104         4        600 SH              X   X                 600
 COM
 ARCH COAL INC                        039380100       735     73,475 SH          X                      73,475
 COM
 ARCH COAL INC                        039380100         3        305 SH              X   X                 305
 COM
 ARVINMERITOR INC                     043353101         2        141 SH          X                         141
 COM
 ARVINMERITOR INC                     043353101       146      9,959 SH              X   X               1,334                 8,625
 COM
 ASSOCIATES FIRST CAP CORP            046008108        96      2,524 SH          X                       2,524
 CL A
 ASSOCIATES FIRST CAP CORP            046008108       369      9,699 SH              X   X               8,506        712        481
 CL A
 ATLANTIC COAST AIRLS HOLDINGS INC    048396105     1,784     55,428 SH          X                      55,428
 COM
 ATLANTIC COAST AIRLS HOLDINGS INC    048396105         7        220 SH              X   X                 220
 COM
 AUTOMATIC DATA PROCESSING INC        053015103       534      7,980 SH          X                       7,980

 AUTOMATIC DATA PROCESSING INC        053015103     1,772     26,500 SH              X   X              26,500

 AVERY DENNISON CORP                  053611109     3,961     85,420 SH          X                      77,105                 8,315

 AVERY DENNISON CORP                  053611109     1,006     21,695 SH              X   X              20,345      1,350

 AVON PRODS INC                       054303102     3,294     80,575 SH          X                      71,725                 8,850

 AVON PRODS INC                       054303102       129      3,145 SH              X   X               2,745                   400

 BJS WHSL CLUB INC                    05548J106       207      6,000 SH              X   X                                     6,000
 COM
 BP AMOCO P L C                       055622104    12,904    243,464 SH          X                     226,844        500     16,120
 SPONSORED ADR
 BP AMOCO P L C                       055622104     7,240    136,596 SH              X   X             107,321     23,996      5,279
 SPONSORED ADR
 BANK OF AMERICA CORP                 060505104     5,621    107,331 SH          X                      98,406                 8,925
 COM
 BANK OF AMERICA CORP                 060505104     1,816     34,666 SH              X   X              31,837      2,329        500
 COM
 BANK NEW YORK INC                    064057102       124      2,200 SH          X                       1,400        800

                                               ----------
          PAGE TOTAL                               42,879
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE    5
                                                                    AS OF 09/30/00
 - - - - - 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 NEW YORK INC                    064057102       113      2,000 SH              X   X               2,000

 BANK ONE CORP                        06423A103       178      4,668 SH          X                       4,668
 COM
 BANK ONE CORP                        06423A103    12,102    317,952 SH              X   X             316,682      1,270
 COM
 BARRETT RES CORP                     068480201     1,360     36,145 SH          X                      36,145
 COM PAR $0.01
 BARRETT RES CORP                     068480201         6        155 SH              X   X                 155
 COM PAR $0.01
 BAXTER INTL INC                      071813109     2,889     36,195 SH          X                      32,480                 3,715

 BAXTER INTL INC                      071813109       120      1,500 SH              X   X               1,200        300

 BECTON DICKINSON & CO                075887109        42      1,600 SH          X                       1,600

 BECTON DICKINSON & CO                075887109       635     24,000 SH              X   X              24,000

 BELLSOUTH CORP                       079860102     2,522     62,270 SH          X                      62,270

 BELLSOUTH CORP                       079860102     7,477    184,616 SH              X   X             128,548     48,548      7,520

 BERKSHIRE HATHAWAY INC DEL           084670207       271        131 SH          X                         131
 CL B
 BERKSHIRE HATHAWAY INC DEL           084670207       228        110 SH              X   X                   5        105
 CL B
 BESTFOODS                            08658U101     3,299     45,350 SH          X                      45,350
 COM
 BESTFOODS                            08658U101     3,830     52,640 SH              X   X              46,980      3,660      2,000
 COM
 BINDLEY WESTN INDS INC               090324104       224      7,000 SH              X   X                                     7,000
 COM
 BIOGEN INC                           090597105       293      4,800 SH          X                       4,800

 BIOGEN INC                           090597105        61      1,000 SH              X   X                                     1,000

 BOEING CO                            097023105       132      2,102 SH          X                       2,102

 BOEING CO                            097023105     1,464     23,335 SH              X   X              11,721     11,414        200

 BRIGGS & STRATTON CORP               109043109       265      7,000 SH          X                       7,000

 BRISTOL MYERS SQUIBB CO              110122108     4,075     70,872 SH          X                      70,872

 BRISTOL MYERS SQUIBB CO              110122108     5,553     96,577 SH              X   X              47,952     43,825      4,800

 BROADCOM CORP                        111320107     1,413      5,795 SH          X                       5,795
 COM
 BROADCOM CORP                        111320107        82        335 SH              X   X                 335
 COM
                                               ----------
          PAGE TOTAL                               48,634
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE    6
                                                                    AS OF 09/30/00
 - - - - - 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)
 BROOKTROUT TECHNOLOGY INC            114580103     1,283     38,957 SH          X                      38,957
 COM
 BROOKTROUT TECHNOLOGY INC            114580103         6        170 SH              X   X                 170
 COM
 BUSH INDS INC                        123164105       139     12,000 SH              X   X                                    12,000
 CL A
 C-CUBE MICROSYSTEMS INC NEW          12501N108       932     45,480 SH          X                      45,480
 COM
 C-CUBE MICROSYSTEMS INC NEW          12501N108         4        195 SH              X   X                 195
 COM
 CIGNA CORP                           125509109       830      7,946 SH          X                       7,946

 CIGNA CORP                           125509109       297      2,847 SH              X   X               2,847

 C P & L ENERGY INC                   12614C106        76      1,829 SH          X                       1,829
 COM
 C P & L ENERGY INC                   12614C106       431     10,340 SH              X   X               1,820      8,520
 COM
 CSX CORP                             126408103       113      5,174 SH          X                       5,174

 CSX CORP                             126408103       108      4,958 SH              X   X               4,958

 CTS CORP                             126501105     1,776     35,091 SH          X                      35,091
 COM
 CTS CORP                             126501105         7        147 SH              X   X                 147
 COM
 CVS CORP                             126650100       308      6,657 SH          X                       6,557                   100
 COM
 CVS CORP                             126650100       451      9,745 SH              X   X               9,745
 COM
 CAMBREX CORP                         132011107     1,053     28,450 SH          X                      28,450
 COM
 CAMBREX CORP                         132011107         5        130 SH              X   X                 130
 COM
 CAMPBELL SOUP CO                     134429109       142      5,500 SH          X                       5,500

 CAMPBELL SOUP CO                     134429109       116      4,500 SH              X   X               3,700        800

 CAPITAL ONE FINL CORP                14040H105     2,998     42,786 SH              X   X               1,797     15,732     25,257
 COM
 CARDINAL HEALTH INC                  14149Y108     6,629     75,171 SH          X                      67,097                 8,074

 CARDINAL HEALTH INC                  14149Y108       162      1,834 SH              X   X               1,760         74

 CATERPILLAR INC                      149123101       210      6,787 SH          X                       6,787

 CATERPILLAR INC                      149123101       414     13,350 SH              X   X               5,700      6,850        800

 CELL THERAPEUTICS INC                150934107     1,411     21,162 SH          X                      21,162
 CDT-COM
                                               ----------
          PAGE TOTAL                               19,901
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE    7
                                                                    AS OF 09/30/00
 - - - - - 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)
 CELL THERAPEUTICS INC                150934107         6         92 SH              X   X                  92
 CDT-COM
 CENDANT CORP                         151313103     2,915    268,005 SH          X                     238,795                29,210
 COM
 CENDANT CORP                         151313103        68      6,275 SH              X   X               6,275
 COM
 CEPHALON INC                         156708109       587     12,110 SH          X                      12,110
 CON
 CEPHALON INC                         156708109         3         55 SH              X   X                  55
 CON
 CHASE MANHATTAN CORP                 16161A108     3,461     74,923 SH          X                      67,653                 7,270

 CHASE MANHATTAN CORP                 16161A108       351      7,604 SH              X   X               4,604      3,000

 CHECKPOINT SYS INC                   162825103        76     10,000 SH              X   X              10,000
 COM
 CHEVRON INC                          166751107     3,499     41,047 SH          X                      40,947                   100

 CHEVRON INC                          166751107     3,383     39,687 SH              X   X              30,227      8,460      1,000

 CHIPPAC INC                          169657103       754     63,495 SH          X                      63,495

 CHIPPAC INC                          169657103         3        285 SH              X   X                 285

 CHOICE ONE COMMUNICATIONS INC        17038P104       600     49,231 SH          X                      49,231
 COM
 CHOICE ONE COMMUNICATIONS INC        17038P104         3        221 SH              X   X                 221
 COM
 CHUBB CORP                           171232101       665      8,400 SH          X                       8,400

 CHUBB CORP                           171232101       969     12,248 SH              X   X              10,348      1,900

 CIRCUIT CITY STORES INC              172737108     4,097    178,128 SH          X                     161,398        150     16,580
 (CIRCUIT CITY GROUP COMMON)
 CIRCUIT CITY STORES INC              172737108       522     22,697 SH              X   X              17,267      2,630      2,800
 (CIRCUIT CITY GROUP COMMON)
 CISCO SYS INC                        17275R102    15,297    276,866 SH          X                     254,684      1,200     20,982

 CISCO SYS INC                        17275R102     4,468     80,871 SH              X   X              66,253     10,518      4,100

 CITIGROUP INC                        172967101     5,115     94,619 SH          X                      93,475        395        749
 COM
 CITIGROUP INC                        172967101     5,889    108,923 SH              X   X              53,574     41,414     13,935
 COM
 CLARENT CORP DEL                     180461105       291      7,393 SH          X                       7,393
 COM
 CLARENT CORP DEL                     180461105         1         34 SH              X   X                  34
 COM
 CLICKACTION INC                      18681E107       428     46,925 SH          X                      46,925
 COM
                                               ----------
          PAGE TOTAL                               53,451
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE    8
                                                                    AS OF 09/30/00
 - - - - - 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)
 CLICKACTION INC                      18681E107         2        199 SH              X   X                 199
 COM
 CLOROX CO                            189054109       174      4,400 SH          X                       4,400

 CLOROX CO                            189054109     1,495     37,800 SH              X   X              12,400     25,400

 COASTAL CORP                         190441105     6,264     84,509 SH          X                      76,174                 8,335

 COASTAL CORP                         190441105       130      1,755 SH              X   X               1,755

 COCA COLA CO                         191216100     6,450    117,013 SH          X                     116,548        145        320

 COCA COLA CO                         191216100    22,229    403,245 SH              X   X             294,305     96,127     12,813

 COLGATE PALMOLIVE CO                 194162103     1,514     32,075 SH          X                      31,995         80

 COLGATE PALMOLIVE CO                 194162103       748     15,840 SH              X   X              13,840      2,000

 COLONIAL BANCGROUP INC               195493309     1,606    154,835 SH          X                     154,835
 COM
 COLONIAL BANCGROUP INC               195493309         7        705 SH              X   X                 705
 COM
 COLUMBIA BOOKS INC CL B NONVTG       197995954       725      7,250 SH          X                       7,250

 COMCAST CORP CL A SPL                200300200     4,704    114,915 SH          X                     103,476         85     11,354

 COMCAST CORP CL A SPL                200300200       136      3,331 SH              X   X               3,331

 COMERICA INC                         200340107       145      2,475 SH          X                       2,475

 COMERICA INC                         200340107        75      1,275 SH              X   X               1,275

 COMMSCOPE INC                        203372107     1,263     51,570 SH          X                      51,570
 COM
 COMMSCOPE INC                        203372107        45      1,821 SH              X   X                 221                 1,600
 COM
 COMPAQ COMPUTER CORP                 204493100       523     18,990 SH          X                      18,990

 COMPAQ COMPUTER CORP                 204493100       518     18,817 SH              X   X               6,143      6,374      6,300

 CONCORD CAMERA CORP                  206156101     1,102     43,019 SH          X                      43,019
 COM
 CONCORD CAMERA CORP                  206156101         5        184 SH              X   X                 184
 COM
 CONEXANT SYS INC                     207142100        53      1,266 SH          X                       1,266
 COM
 CONEXANT SYS INC                     207142100       193      4,614 SH              X   X               4,614
 COM
 CONGRESSIONAL TOWERS SECTION I L.P.  207994013       260          3 SH              X   X                   3

                                               ----------
          PAGE TOTAL                               50,366
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE    9
                                                                    AS OF 09/30/00

 - - - - - 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)
 CONGRESSIONAL TOWERS SECTION II      207994021       275          3 SH              X   X                   3
 L.P.
 CONSTELLATION ENERGY GROUP INC       210371100       337      6,772 SH          X                       6,772
 COM
 CONSTELLATION ENERGY GROUP INC       210371100       536     10,775 SH              X   X              10,775
 COM
 CORNELL COMPANIES INC                219141108       188     22,000 SH              X   X                                    22,000
 COM
 CORNING INCORPORATED                 219350105       307      1,035 SH          X                       1,035

 CORNING INCORPORATED                 219350105     2,033      6,844 SH              X   X               2,844      4,000

 COST PLUS INC CALIF                  221485105       764     25,365 SH          X                      25,365
 COM
 COST PLUS INC CALIF                  221485105         3        111 SH              X   X                 111
 COM
 COSTCO WHSL CORP NEW                 22160K105       419     12,000 SH              X   X                                    12,000
 COM
 CROSS TIMBERS OIL CO                 227573102     1,356     70,669 SH          X                      70,669
 COM
 CROSS TIMBERS OIL CO                 227573102         6        310 SH              X   X                 310
 COM
 CUSTOM COMPOSITE MATERIALS, INC.     232001990       100     24,675 SH              X   X              24,675

 DARDEN RESTAURANTS INC               237194105       150      7,200 SH          X                       7,200
 COM
 DARDEN RESTAURANTS INC               237194105       318     15,255 SH              X   X               9,605      5,400        250
 COM
 DEERE & CO                           244199105        15        450 SH          X                         450

 DEERE & CO                           244199105       222      6,662 SH              X   X               6,662

 DELL COMPUTER CORP                   247025109       381     12,365 SH          X                      12,365

 DELL COMPUTER CORP                   247025109       327     10,605 SH              X   X               7,255        600      2,750

 DELPHI AUTOMOTIVE SYS CORP           247126105       130      8,580 SH          X                       8,580
 COM
 DELPHI AUTOMOTIVE SYS CORP           247126105       273     18,042 SH              X   X              11,775      4,522      1,745
 COM
 DIGENE CORP                          253752109        18        500 SH          X                                               500
 COM
 DIGENE CORP                          253752109       541     15,031 SH              X   X              15,031
 COM
 DISNEY (WALT) COMPANY HOLDING CO     254687106       817     21,363 SH          X                      21,363

 DISNEY (WALT) COMPANY HOLDING CO     254687106     1,180     30,859 SH              X   X              15,859      6,000      9,000

 DOCUCORP INTL INC                    255911109        74     18,200 SH              X   X                                    18,200
 COM
                                               ----------
          PAGE TOTAL                               10,770
<PAGE>



REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE   10
                                                                    AS OF 09/30/00
 - - - - - 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)
 DOMINION RES INC VA NEW              25746U109       357      6,140 SH          X                       6,140
 COM
 DOMINION RES INC VA NEW              25746U109       539      9,279 SH              X   X               7,114        665      1,500
 COM
 DONNELLEY R R & SONS CO              257867101       231      9,400 SH          X                       9,400

 DONNELLEY R R & SONS CO              257867101     1,329     54,100 SH              X   X              33,350     18,400      2,350

 DOW CHEMICAL COMPANY                 260543103       269     10,792 SH          X                      10,792

 DOW CHEMICAL COMPANY                 260543103       736     29,519 SH              X   X              16,994      7,125      5,400

 DU PONT E I DE NEMOURS & CO          263534109     1,743     42,641 SH          X                      42,641
 COM
 DU PONT E I DE NEMOURS & CO          263534109     3,644     89,148 SH              X   X              73,342     15,806
 COM
 DUKE ENERGY CORP                     264399106     2,668     31,110 SH          X                      30,125        560        425

 DUKE ENERGY CORP                     264399106     2,318     27,029 SH              X   X              20,519      5,160      1,350

 EMC CORPORATION                      268648102    10,852    109,067 SH          X                     101,212        200      7,655

 EMC CORPORATION                      268648102     4,019     40,390 SH              X   X              36,390      1,600      2,400

 EOG RES INC                          26875P101       311      8,000 SH              X   X                                     8,000
 COM
 EASTERN ENTERPRISES                  27637F100       319      5,000 SH              X   X               5,000

 EASTMAN KODAK CO                     277461109     1,273     31,138 SH          X                      31,068                    70

 EASTMAN KODAK CO                     277461109       636     15,552 SH              X   X              11,037      4,165        350

 EATON CORP                           278058102        26        430 SH          X                         430

 EATON CORP                           278058102       265      4,300 SH              X   X               4,300

 EDISON INTERNATIONAL INC             281020107       743     38,442 SH          X                      37,952        290        200

 EDISON INTERNATIONAL INC             281020107       309     15,975 SH              X   X              10,955      5,020

 EL PASO ENERGY CORP DEL              283905107       209      3,385 SH          X                       3,385
 COM
 EL PASO ENERGY CORP DEL              283905107     1,075     17,446 SH              X   X              13,228      1,826      2,392
 COM
 EMERSON ELEC CO                      291011104     7,946    118,595 SH          X                     109,910                 8,685

 EMERSON ELEC CO                      291011104     8,550    127,615 SH              X   X              90,133     33,882      3,600

 ENCOMPASS SVCS CORP                  29255U104     2,319    285,469 SH          X                     285,469
 COM
                                               ----------
          PAGE TOTAL                               52,686
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE   11
                                                                    AS OF 09/30/00
 - - - - - 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)
 ENCOMPASS SVCS CORP                  29255U104        10      1,257 SH              X   X               1,257
 COM
 ENRON CORP                           293561106       613      6,992 SH          X                       6,992

 ENRON CORP                           293561106     4,890     55,793 SH              X   X              55,793

 ERICSSON L M TEL CO ADR CL B SEK 10  294821400        70      4,704 SH          X                       4,704

 ERICSSON L M TEL CO ADR CL B SEK 10  294821400     1,732    116,933 SH              X   X             116,933

 EXABYTE CORP                         300615101       681     60,505 SH          X                      60,505
 COM
 EXABYTE CORP                         300615101         3        270 SH              X   X                 270
 COM
 EXCEL TECHNOLOGY INC                 30067T103       575     17,930 SH          X                      17,930
 COM
 EXCEL TECHNOLOGY INC                 30067T103         3         80 SH              X   X                  80
 COM
 EXCELON CORP                         300691102       744     60,145 SH          X                      60,145
 COM
 EXCELON CORP                         300691102         3        265 SH              X   X                 265
 COM
 EXXON MOBIL CORP                     30231G102    29,628    332,507 SH          X                     319,096        660     12,751
 COM
 EXXON MOBIL CORP                     30231G102    40,162    450,728 SH              X   X             333,027     89,533     28,168
 COM
 F & M NATL CORP                      302374103       703     28,754 SH          X                      28,754
 COM
 FPL GROUP INC                        302571104       228      3,464 SH          X                       3,464

 FPL GROUP INC                        302571104       875     13,303 SH              X   X               3,975      7,928      1,400

 FALCON PRODS INC                     306075102       169     18,000 SH              X   X                                    18,000
 COM
 FAMILY DOLLAR STORES INC             307000109       231     12,000 SH              X   X                                    12,000

 FEDERAL HOME LOAN MORTGAGE CORP      313400301       230      4,250 SH          X                       3,750        500

 FEDERAL HOME LOAN MORTGAGE CORP      313400301       730     13,500 SH              X   X              13,500

 FEDERAL NATIONAL MORTGAGE ASSN       313586109     5,489     76,771 SH          X                      69,605         85      7,081

 FEDERAL NATIONAL MORTGAGE ASSN       313586109       733     10,251 SH              X   X               9,001      1,250

 FIRST AMERN CORP CALIF               318522307       872     41,772 SH          X                      41,772
 COM
 FIRST AMERN CORP CALIF               318522307         4        188 SH              X   X                 188
 COM
 FIRST CHARTER CORP                   319439105       822     56,928 SH          X                      56,928
 COM
                                               ----------
          PAGE TOTAL                               90,200
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE   12
                                                                    AS OF 09/30/00
 - - - - - 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)
 FIRST CHARTER CORP                   319439105         3        242 SH              X   X                 242
 COM
 FIRST CONSULTING GROUP INC           31986R103       630    113,210 SH          X                     113,210
 COM
 FIRST CONSULTING GROUP INC           31986R103         3        525 SH              X   X                 525
 COM
 FIRST INDL RLTY TR INC               32054K103     1,892     61,540 SH          X                      61,540
 COM
 FIRST INDL RLTY TR INC               32054K103         9        290 SH              X   X                 290
 COM
 FIRST INVESTORS INSURED TAX EXEMPT   32060M101       127     12,793 SH              X   X              12,793
 FUND
 FIRST UNION CORP                     337358105       414     12,847 SH          X                      12,847

 FIRST UNION CORP                     337358105     1,495     46,453 SH              X   X              24,883     11,048     10,522

 FLEETBOSTON FINL CORP                339030108     7,055    180,896 SH          X                     163,415        135     17,346
 COM
 FLEETBOSTON FINL CORP                339030108     1,347     34,546 SH              X   X              25,046      5,500      4,000
 COM
 FORD MTR CO DEL                      345370860       672     26,340 SH          X                      26,340
 COM PAR $0.01
 FORD MTR CO DEL                      345370860       927     36,336 SH              X   X              32,350      2,379      1,607
 COM PAR $0.01
 FORT JAMES CORP                      347471104       213      6,980 SH          X                       6,980
 COM
 FORT JAMES CORP                      347471104        35      1,156 SH              X   X               1,156
 COM
 FORTUNE BRANDS INC                   349631101       115      4,355 SH          X                       4,355
 COM
 FORTUNE BRANDS INC                   349631101       303     11,420 SH              X   X               1,420                10,000
 COM
 FRANKLIN TAX FREE TR                 354723793       377     33,116 SH              X   X              33,116
 N C TAX FREE INCOME FD
 FRITZ COS INC                        358846103     1,880    156,644 SH          X                     156,644

 FRITZ COS INC                        358846103         8        664 SH              X   X                 664

 FURNITURE BRANDS INTERNATIONAL INC   360921100       929     55,861 SH          X                      55,861
 COM
 FURNITURE BRANDS INTERNATIONAL INC   360921100         4        245 SH              X   X                 245
 COM
 GPU INC                              36225X100       275      8,479 SH          X                       8,479

 GPU INC                              36225X100       111      3,409 SH              X   X               1,729      1,680

 GANNETT INC                          364730101       383      7,225 SH          X                       7,225

 GANNETT INC                          364730101       543     10,250 SH              X   X               8,600      1,650

                                               ----------
          PAGE TOTAL                               19,750
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE   13
                                                                    AS OF 09/30/00
 - - - - - 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)
 GAP INC                              364760108     2,832    140,725 SH          X                     127,670        125     12,930

 GAP INC                              364760108        52      2,595 SH              X   X               2,595

 GATEWAY 2000 INC                     367626108     3,350     69,425 SH          X                      61,875                 7,550
 COM
 GATEWAY 2000 INC                     367626108        41        860 SH              X   X                 860
 COM
 GENERAL ELEC CO                      369604103    36,196    626,079 SH          X                     624,294      1,065        720

 GENERAL ELEC CO                      369604103    74,333  1,285,752 SH              X   X             935,973    236,995    112,784

 GENERAL MLS INC                      370334104     1,397     39,340 SH          X                      39,340

 GENERAL MLS INC                      370334104     2,510     70,692 SH              X   X              42,892     23,300      4,500

 GENERAL MTRS CORP                    370442105       814     12,518 SH          X                      12,518

 GENERAL MTRS CORP                    370442105     1,774     27,299 SH              X   X              18,298      6,301      2,700

 GEORGIA PAC CORP                     373298108        83      3,524 SH          X                       3,524

 GEORGIA PAC CORP                     373298108       274     11,644 SH              X   X               9,362                 2,282

 GILLETTE CO                          375766102       610     19,744 SH          X                      19,744

 GILLETTE CO                          375766102       447     14,481 SH              X   X               9,281      5,200

 GOLD BANC CORP INC                   379907108     1,439    280,781 SH          X                     280,781
 COM
 GOLD BANC CORP INC                   379907108         7      1,308 SH              X   X               1,308
 COM
 GOLDEN WEST FINANCIAL CORP           381317106       161      3,000 SH          X                       3,000

 GOLDEN WEST FINANCIAL CORP           381317106       225      4,200 SH              X   X                          2,100      2,100

 GOLDSTATE CORP                       381540103         0     12,550 SH          X                      12,550
 COM
 GOODYS FAMILY CLOTHING INC           382588101       418    106,131 SH          X                     106,131
 COM
 GOODYS FAMILY CLOTHING INC           382588101         2        506 SH              X   X                 506
 COM
 HCA-THE HEALTHCARE CO                404119109         8        225 SH          X                         225
 COM
 HCA-THE HEALTHCARE CO                404119109       254      6,831 SH              X   X               3,031      3,800
 COM
 HNC SOFTWARE INC                     40425P107       327      4,000 SH              X   X               4,000
 COM
 H STREET BUILDING CORP               404995904    27,680     19,920 SH          X                      19,920

                                               ----------
          PAGE TOTAL                              155,234
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE   14
                                                                    AS OF 09/30/00
 - - - - - 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)
 HAIN CELESTIAL GROUP INC             405217100       754     21,474 SH          X                      21,474
 COM
 HAIN CELESTIAL GROUP INC             405217100         3         90 SH              X   X                  90
 COM
 HALLIBURTON CO                       406216101       804     16,433 SH          X                      16,433

 HALLIBURTON CO                       406216101     1,301     26,581 SH              X   X              24,681      1,900

 HARTFORD FINL SVCS GROUP INC         416515104     6,462     88,668 SH          X                      80,893                 7,775
 COM
 HARTFORD FINL SVCS GROUP INC         416515104       540      7,416 SH              X   X               5,416      2,000
 COM
 HEICO CORP NEW                       422806109       629     47,223 SH          X                      47,223
 COM
 HEICO CORP NEW                       422806109         3        202 SH              X   X                 202
 COM
 HEINZ H J CO                         423074103       749     20,198 SH          X                      19,998        100        100

 HEINZ H J CO                         423074103       569     15,347 SH              X   X              13,022      2,175        150

 HELIX TECHNOLOGY CORP                423319102       964     32,279 SH          X                      32,279
 COM
 HELIX TECHNOLOGY CORP                423319102         4        136 SH              X   X                 136
 COM
 HEWLETT PACKARD CO                   428236103     3,178     32,599 SH          X                      32,599

 HEWLETT PACKARD CO                   428236103     6,687     68,580 SH              X   X              50,780     17,800

 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       400      7,556 SH          X                       7,556

 HOME DEPOT INC                       437076102       930     17,575 SH              X   X               5,625      8,350      3,600

 HONEYWELL INTL INC                   438516106       740     20,764 SH          X                      20,764
 COM
 HONEYWELL INTL INC                   438516106     1,182     33,172 SH              X   X              23,172     10,000
 COM
 HOST MARRIOTT CORP NEW               44107P104       144     12,784 SH          X                      12,784
 COM
 HOST MARRIOTT CORP NEW               44107P104         9        763 SH              X   X                 146                   617
 COM
 HUDSON H D MFG CO CL B               443834205         2     12,280 SH          X                      12,280

 HUDSON UNITED BANCORP                444165104     1,932     69,919 SH          X                      69,919
 COM
 HUDSON UNITED BANCORP                444165104         9        325 SH              X   X                 325
 COM
                                               ----------
          PAGE TOTAL                               28,804
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE   15
                                                                    AS OF 09/30/00
 - - - - - 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)
 IMS HEALTH INC                       449934108        12        600 SH          X                         600
 COM
 IMS HEALTH INC                       449934108       216     10,400 SH              X   X               5,000      5,400
 COM
 ITC DELTACOM INC                     45031T104     1,141     99,244 SH          X                      99,244
 COM
 ITC DELTACOM INC                     45031T104        62      5,416 SH              X   X                 416                 5,000
 COM
 ILLINOIS TOOL WKS INC                452308109       213      3,820 SH          X                       3,820

 ILLINOIS TOOL WKS INC                452308109       113      2,024 SH              X   X               2,024

 IMMUNEX CORP NEW                     452528102       261      6,000 SH          X                       6,000
 COM
 IMMUNEX CORP NEW                     452528102       113      2,600 SH              X   X                 200                 2,400
 COM
 INDEPENDENT COMMUNITY BANKSHARES     45384Q103       400     16,000 SH              X   X                                    16,000
 VIRGINIA
 INKTOMI CORP                         457277101       456      4,000 SH          X                       4,000
 COM
 INKTOMI CORP                         457277101        34        300 SH              X   X                 300
 COM
 INTEL CORP                           458140100    19,165    461,098 SH          X                     439,523      1,770     19,805

 INTEL CORP                           458140100    14,820    356,568 SH              X   X             231,944    109,850     14,774

 INTERDENT INC                        45865R109       975    207,952 SH          X                     207,952
 COM
 INTERDENT INC                        45865R109         4        935 SH              X   X                 935
 COM
 INTERLAND INC                        458726106       896    106,149 SH          X                     106,149
 COM
 INTERLAND INC                        458726106         4        473 SH              X   X                 473
 COM
 INTERNATIONAL BUSINESS MACHINES CORP 459200101    10,798     95,874 SH          X                      90,732         75      5,067

 INTERNATIONAL BUSINESS MACHINES CORP 459200101    11,443    101,599 SH              X   X              52,559     16,960     32,080

 INTERNATIONAL PAPER CO               460146103       145      5,054 SH          X                       5,054

 INTERNATIONAL PAPER CO               460146103       876     30,542 SH              X   X              20,470     10,072

 INTERNATIONAL RECTIFIER CORP         460254105       995     19,710 SH          X                      19,710
 COM
 INTERNATIONAL RECTIFIER CORP         460254105         4         85 SH              X   X                  85
 COM
 INTERPUBLIC GROUP COS INC            460690100       194      5,700 SH          X                       5,700

 INTERPUBLIC GROUP COS INC            460690100        76      2,235 SH              X   X               2,235

                                               ----------
          PAGE TOTAL                               63,416
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE   16
                                                                    AS OF 09/30/00
 - - - - - 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)
 JDS UNIPHASE CORP                    46612J101       341      3,605 SH          X                       3,605
 COM
 JDS UNIPHASE CORP                    46612J101       161      1,700 SH              X   X               1,700
 COM
 JOHNSON & JOHNSON                    478160104    12,865    136,957 SH          X                     129,242        100      7,615

 JOHNSON & JOHNSON                    478160104    11,338    120,692 SH              X   X              76,752     33,000     10,940

 KELLOGG CO                           487836108        50      2,080 SH          X                       2,080

 KELLOGG CO                           487836108       267     11,032 SH              X   X               7,632      1,400      2,000

 KENNAMETAL INC                       489170100       201      7,800 SH              X   X               7,800

 KIMBERLY CLARK CORP                  494368103       862     15,439 SH          X                      14,889        400        150

 KIMBERLY CLARK CORP                  494368103     4,161     74,549 SH              X   X              68,422      2,235      3,892

 KINDER MORGAN ENERGY PARTNERS L P    494550106        20        417 SH          X                         417
 UNIT LTD PARTNERSHIP INT
 KINDER MORGAN ENERGY PARTNERS L P    494550106       545     11,500 SH              X   X                                    11,500
 UNIT LTD PARTNERSHIP INT
 KONINKLIJKE PHILIPS ELECTRS          500472303     3,831     90,140 SH          X                      80,358                 9,782
 SPONS ADR NEW
 KONINKLIJKE PHILIPS ELECTRS          500472303       211      4,956 SH              X   X               4,956
 SPONS ADR NEW
 LCC INTL INC                         501810105       855     58,990 SH          X                      58,990
 CL A
 LCC INTL INC                         501810105         4        253 SH              X   X                 253
 CL A
 LEHMAN BROS HLDGS INC                524908100        76        508 SH          X                         508
 COM
 LEHMAN BROS HLDGS INC                524908100       318      2,140 SH              X   X               1,240        400        500
 COM
 LIBERTY PPTY TR                      531172104       385     14,000 SH              X   X                                    14,000
 SH BEN INT
 LILLY ELI & CO                       532457108       376      4,640 SH          X                       4,640

 LILLY ELI & CO                       532457108     2,227     27,450 SH              X   X              17,900      8,950        600

 LINENS N THINGS INC                  535679104       805     31,580 SH          X                      31,580
 COM
 LINENS N THINGS INC                  535679104         4        150 SH              X   X                 150
 COM
 LOCKHEED MARTIN CORP                 539830109       192      5,824 SH          X                       5,824

 LOCKHEED MARTIN CORP                 539830109        32        972 SH              X   X                 972

 LONDON PAC GROUP LTD                 542073101     1,316     66,210 SH          X                      66,210
 SPONSORED ADR
                                               ----------
          PAGE TOTAL                               41,443
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE   17
                                                                    AS OF 09/30/00
 - - - - - 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)
 LONDON PAC GROUP LTD                 542073101         6        290 SH              X   X                 290
 SPONSORED ADR
 LOUISIANA FRUIT CO                   54624N102       263         31 SH              X   X                  31

 LOWES COS INC                        548661107     4,541    101,195 SH          X                      90,755        105     10,335

 LOWES COS INC                        548661107        53      1,170 SH              X   X               1,170

 LUCENT TECHNOLOGIES INC              549463107     2,304     75,549 SH          X                      74,581        300        668
 COM
 LUCENT TECHNOLOGIES INC              549463107     3,110    101,958 SH              X   X              75,024     21,682      5,252
 COM
 MRV COMMUNICATIONS INC               553477100     1,180     26,031 SH          X                      26,031
 COM
 MRV COMMUNICATIONS INC               553477100         5        114 SH              X   X                 114
 COM
 MADDEN STEVEN LTD                    556269108       698     80,966 SH          X                      80,966
 COM
 MADDEN STEVEN LTD                    556269108         3        335 SH              X   X                 335
 COM
 MARSH & MCLENNAN COS INC             571748102       468      3,525 SH              X   X               1,875      1,650

 MARRIOTT INTL INC NEW                571903202     1,094     30,021 SH          X                      30,021
 CL A
 MARRIOTT INTL INC NEW                571903202        32        870 SH              X   X                 470                   400
 CL A
 MAXPITCH MEDIA, INC                  5777999M3        20     10,000 SH              X   X              10,000

 MAVERICK TUBE CORP                   577914104     1,220     45,300 SH          X                      45,300
 COM
 MAVERICK TUBE CORP                   577914104         6        210 SH              X   X                 210
 COM
 MCCORMICK & CO INC                   579780206        60      2,000 SH          X                       2,000

 MCCORMICK & CO INC                   579780206       372     12,500 SH              X   X                 500                12,000

 MCDONALDS CORP                       580135101     1,204     39,887 SH          X                      39,887

 MCDONALDS CORP                       580135101     5,844    193,600 SH              X   X              78,300     88,100     27,200

 MCGRAW HILL INC                      580645109       254      4,000 SH          X                       4,000

 MCGRAW HILL INC                      580645109        70      1,100 SH              X   X               1,100

 MEAD CORP                            582834107       305     13,040 SH              X   X                         13,040

 MEADE INSTRS CORP                    583062104       898     44,505 SH          X                      44,505
 COM
 MEADE INSTRS CORP                    583062104         4        200 SH              X   X                 200
 COM
                                               ----------
          PAGE TOTAL                               24,014
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE   18
                                                                    AS OF 09/30/00
 - - - - - 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        13     14,000 SH              X   X              14,000
 COM
 MEDTRONIC INC                        585055106       855     16,492 SH          X                      16,492

 MELLON FINL CORP                     58551A108       696     15,000 SH          X                      14,200        800
 COM
 MELLON FINL CORP                     58551A108       204      4,400 SH              X   X               4,400
 COM
 MERCANTILE BANKSHARES CORP           587405101       719     19,809 SH          X                      19,809

 MERCK & CO INC                       589331107     5,897     79,226 SH          X                      76,581        545      2,100

 MERCK & CO INC                       589331107    16,588    222,837 SH              X   X             173,343     34,010     15,484

 MERRILL LYNCH & CO INC               590188108     7,714    116,878 SH          X                     106,498                10,380

 MERRILL LYNCH & CO INC               590188108       337      5,110 SH              X   X               3,110      2,000

 MESA AIR GROUP, INC                  590479101     1,397    255,513 SH          X                     255,513
 COM
 MESA AIR GROUP, INC                  590479101         6      1,065 SH              X   X               1,065
 COM
 METHODE ELECTRS INC CL A             591520200       510     11,519 SH          X                      11,519

 METHODE ELECTRS INC CL A             591520200         2         50 SH              X   X                  50

 METTLER-TOLEDO INTL INC              592688105     1,388     31,550 SH          X                      31,550
 COM
 METTLER-TOLEDO INTL INC              592688105         6        130 SH              X   X                 130
 COM
 MICROSOFT CORP                       594918104    10,771    178,590 SH          X                     162,930        140     15,520

 MICROSOFT CORP                       594918104     1,724     28,591 SH              X   X              25,091      2,500      1,000

 MID-ATLANTIC RLTY TR                 595232109        19      1,600 SH          X                       1,600
 SH BEN INT
 MID-ATLANTIC RLTY TR                 595232109       130     11,000 SH              X   X                                    11,000
 SH BEN INT
 MIDDLEBURY NATL CORP                 596237107       689     24,600 SH              X   X                                    24,600
 CMT-COM
 MINNESOTA MNG & MFG CO               604059105     1,114     12,223 SH          X                      12,223

 MINNESOTA MNG & MFG CO               604059105     4,050     44,443 SH              X   X              29,843      9,520      5,080

 MOBILITY ELECTRONICS INC.            60741U101       660     72,375 SH          X                      72,375

 MOBILITY ELECTRONICS INC.            60741U101         3        305 SH              X   X                 305

 MODIS PROFESSIONAL SVCS INC          607830106       555    106,960 SH          X                     106,960
 COM
                                               ----------
          PAGE TOTAL                               56,047
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE   19
                                                                    AS OF 09/30/00
 - - - - - 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)
 MODIS PROFESSIONAL SVCS INC          607830106         8      1,575 SH              X   X               1,575
 COM
 MONTANA PWR CO                       612085100       120      3,600 SH          X                       3,600

 MONTANA PWR CO                       612085100       377     11,300 SH              X   X                 500     10,800

 MORGAN J P & CO INC                  616880100     3,722     22,782 SH          X                      22,782

 MORGAN J P & CO INC                  616880100     5,322     32,575 SH              X   X              22,965      7,625      1,985

 MORGAN STANLEY DEAN WITTER & CO      617446448     3,827     41,850 SH          X                      37,910                 3,940

 MORGAN STANLEY DEAN WITTER & CO      617446448     2,595     28,376 SH              X   X              27,540        836

 MOTOROLA INC                         620076109     6,794    230,289 SH          X                     216,228                14,061

 MOTOROLA INC                         620076109     1,784     60,487 SH              X   X              21,487     39,000

 NBTY INC                             628782104       853    130,534 SH          X                     130,534
 COM
 NBTY INC                             628782104         4        545 SH              X   X                 545
 COM
 NABISCO HLDGS CORP                   629526104     6,440    119,808 SH          X                     107,583        225     12,000
 CL A
 NABISCO HLDGS CORP                   629526104       289      5,378 SH              X   X               4,828        550
 CL A
 NATIONAL-OILWELL INC                 637071101     1,384     44,276 SH          X                      44,276
 COM
 NATIONAL-OILWELL INC                 637071101         6        190 SH              X   X                 190
 COM
 NAVIDEC INC                          63934Q101     1,040    134,230 SH          X                     134,230
 COM
 NAVIDEC INC                          63934Q101         4        560 SH              X   X                 560
 COM
 NESTLE SA SPNSORED ADR REPSTG REG SH 641069406       208      2,000 SH              X   X               2,000

 NETPLEX GROUP INC                    641147103       204    260,846 SH          X                     260,846
 COM
 NETPLEX GROUP INC                    641147103         1      1,062 SH              X   X               1,062
 COM
 NETWORK APPLIANCE INC                64120L104       537      4,215 SH          X                       4,215
 COM
 NETWORK APPLIANCE INC                64120L104        89        700 SH              X   X                 700
 COM
 NETZEE INC                           64122W108       445    116,800 SH          X                     116,800
 COM
 NETZEE INC                           64122W108         9      2,490 SH              X   X                 490                 2,000
 COM
 NEW YORK TIMES CO CL A               650111107       432     11,000 SH          X                      11,000

                                               ----------
          PAGE TOTAL                               36,494
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE   20
                                                                    AS OF 09/30/00
 - - - - - 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       142      3,600 SH              X   X                 400      3,200

 NEXTEL COMMUNICATIONS INC CL A       65332V103        19        400 SH          X                         400
 (NAME CHANGED 7/93 FROM FLEET
 NEXTEL COMMUNICATIONS INC CL A       65332V103       252      5,400 SH              X   X               5,400
 (NAME CHANGED 7/93 FROM FLEET
 NOKIA CORP                           654902204       794     19,860 SH          X                      19,380        480
 SPONSORED ADR
 NOKIA CORP                           654902204       820     20,497 SH              X   X              10,267      6,230      4,000
 SPONSORED ADR
 NORFOLK SOUTHERN CORPORATION         655844108     1,353     92,512 SH          X                      92,512

 NORFOLK SOUTHERN CORPORATION         655844108     2,171    148,432 SH              X   X              87,948     55,354      5,130

 NORTEL NETWORKS CORP NEW             656568102     5,694     95,694 SH          X                      87,574                 8,120
 COM
 NORTEL NETWORKS CORP NEW             656568102       550      9,240 SH              X   X               7,040      2,200
 COM
 NORTHWESTERN CORP                    668074107     1,389     71,244 SH          X                      71,244
 COM
 NORTHWESTERN CORP                    668074107         6        320 SH              X   X                 320
 COM
 NUVEEN FLAGSHIP MULTISTATE III       67065P758       394     36,950 SH              X   X              36,950
 TENNESSEE MUNI BOND FUND CL A
 OHIO SAVINGS FINANCIAL CORP          677502106     3,575      1,172 SH              X   X                                     1,172

 OPTIMAL ROBOTICS CORP                68388R208       922     22,915 SH          X                      22,915

 OPTIMAL ROBOTICS CORP                68388R208         4        100 SH              X   X                 100

 ORACLE CORPORATION                   68389X105     6,132     77,870 SH          X                      70,800         25      7,045

 ORACLE CORPORATION                   68389X105     1,921     24,390 SH              X   X              22,690        200      1,500

 TEVA PHARMA IND                      6882172         223      3,030 SH          X                       3,030
 ILS0.1 (POST CONS)
 P & J BRANDS, INC                    6930999P0       100    100,000 SH              X   X             100,000

 PECO ENERGY CO                       693304107     5,634     93,010 SH          X                      82,975        400      9,635

 PECO ENERGY CO                       693304107       165      2,725 SH              X   X               2,725

 PMC-SIERRA INC                       69344F106       257      1,195 SH          X                       1,195
 COM
 PMC-SIERRA INC                       69344F106        48        225 SH              X   X                 225
 COM
 PNC FINANCIAL SERVICES GROUP         693475105       539      8,289 SH          X                       8,289

 PNC FINANCIAL SERVICES GROUP         693475105       568      8,746 SH              X   X               6,346      2,400

                                               ----------
          PAGE TOTAL                               33,672
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE   21
                                                                    AS OF 09/30/00
 - - - - - 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)
 PPG INDS INC                         693506107        60      1,520 SH          X                       1,520

 PPG INDS INC                         693506107       179      4,500 SH              X   X               4,500

 PPL CORP                             69351T106        42      1,000 SH          X                       1,000
 COM
 PPL CORP                             69351T106       271      6,478 SH              X   X               6,478
 COM
 PENNEY J C INC                       708160106        77      6,516 SH          X                       6,516

 PENNEY J C INC                       708160106       175     14,827 SH              X   X               9,157      4,900        770

 PEPSICO INC                          713448108     1,571     34,159 SH          X                      31,623                 2,536

 PEPSICO INC                          713448108     3,038     66,050 SH              X   X              32,450     29,600      4,000

 PERFORMANCE FOOD GROUP CO            713755106     1,596     42,410 SH          X                      42,410
 COM
 PERFORMANCE FOOD GROUP CO            713755106         8        200 SH              X   X                 200
 COM
 PFIZER INC                           717081103    14,106    314,024 SH          X                     296,126        628     17,270

 PFIZER INC                           717081103    54,465  1,212,485 SH              X   X             234,664    968,396      9,425

 PHARMACIA CORP                       71713U102     1,487     24,705 SH          X                      24,705
 COM
 PHARMACIA CORP                       71713U102     7,753    128,811 SH              X   X              85,411     40,900      2,500
 COM
 PHILIP MORRIS COS INC                718154107       535     18,160 SH          X                      18,160

 PHILIP MORRIS COS INC                718154107     2,409     81,825 SH              X   X              63,975     14,850      3,000

 PHILLIPS PETE CO                     718507106        39        620 SH          X                         620

 PHILLIPS PETE CO                     718507106       166      2,638 SH              X   X               1,638                 1,000

 PITNEY BOWES INC                     724479100       237      6,000 SH          X                       6,000

 PITNEY BOWES INC                     724479100       465     11,800 SH              X   X              10,700      1,100

 PLAINS ALL AMERN PIPELINE L P        726503105       349     18,000 SH              X   X                                    18,000
 UNIT LTD PARTNERSHIP INT
 PLANTRONICS INC NEW                  727493108       644     16,950 SH          X                      16,950
 COM
 PLANTRONICS INC NEW                  727493108         3         75 SH              X   X                  75
 COM
 POTOMAC ELEC PWR CO                  737679100       634     25,166 SH          X                      25,166

 POTOMAC ELEC PWR CO                  737679100     1,026     40,710 SH              X   X              22,920     11,824      5,966

                                               ----------
          PAGE TOTAL                               91,335
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE   22
                                                                    AS OF 09/30/00
 - - - - - 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)
 PRECISION DRILLING CORP              74022D100       873     24,504 SH          X                      24,504
 COM
 PRECISION DRILLING CORP              74022D100         3         98 SH              X   X                  98
 COM
 PRIDE INTL INC                       741932107     1,020     38,475 SH          X                      38,475
 COM
 PRIDE INTL INC                       741932107         4        165 SH              X   X                 165
 COM
 PROCTER & GAMBLE CO                  742718109     5,205     77,694 SH          X                      77,694

 PROCTER & GAMBLE CO                  742718109    11,372    169,734 SH              X   X             112,229     51,115      6,390

 PROTEIN DESIGN LABS INC              74369L103     1,577     13,085 SH          X                      13,085
 COM
 PROTEIN DESIGN LABS INC              74369L103         7         60 SH              X   X                  60
 COM
 PROVIDIAN FINL CORP                  74406A102        95        750 SH          X                         750
 COM
 PROVIDIAN FINL CORP                  74406A102     1,650     12,989 SH              X   X              12,989
 COM
 PUBLIC SVC ENTERPRISE GROUP          744573106        25        550 SH          X                         550

 PUBLIC SVC ENTERPRISE GROUP          744573106       248      5,540 SH              X   X               5,540

 QUAKER OATS CO                       747402105         3         44 SH          X                          44

 QUAKER OATS CO                       747402105       231      2,925 SH              X   X                          2,925

 QUALCOMM INC                         747525103     3,217     45,155 SH          X                      40,570                 4,585

 QUALCOMM INC                         747525103       380      5,328 SH              X   X               4,328      1,000

 QUANTUM CORP DSSG                    747906204     1,914    127,095 SH          X                     127,095
 COM
 QUANTUM CORP DSSG                    747906204         8        550 SH              X   X                 550
 COM
 QWEST COMMUNICATIONS INTL INC        749121109     1,039     21,592 SH          X                      21,592
 COM
 QWEST COMMUNICATIONS INTL INC        749121109     2,497     51,883 SH              X   X              39,854     12,029
 COM
 RARE HOSPITALITY INTL INC            753820109       981     48,165 SH          X                      48,165
 COM
 RARE HOSPITALITY INTL INC            753820109         4        199 SH              X   X                 199
 COM
 RELIANT ENERGY INC                   75952J108       219      4,700 SH              X   X               1,700      3,000
 COM
 RENT A CTR INC NEW                   76009N100     2,363     68,117 SH          X                      68,117
 COM
 RENT A CTR INC NEW                   76009N100        10        300 SH              X   X                 300
 COM
                                               ----------
          PAGE TOTAL                               34,945
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE   23
                                                                    AS OF 09/30/00
 - - - - - 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)
 RIGGS U S GOVT SECS CL R             76656A500    15,249  1,581,849 SH          X                   1,570,009                11,839

 RIGGS U S GOVT SECS CL R             76656A500     4,601    477,289 SH              X   X             310,697               166,591

 RIGGS US GOVT SEC FUND CL Y          76656A773    70,261  7,288,517 SH          X                   7,257,818     14,778     15,921

 RIGGS US GOVT SEC FUND CL Y          76656A773    18,116  1,879,234 SH              X   X           1,554,606    324,628

 RIGGS LONG TERM TAX FREE FD CL R     76656A856    34,862  3,434,642 SH          X                   3,365,330     45,748     23,563

 RIGGS LONG TERM TAX FREE FD CL R     76656A856    25,968  2,558,447 SH              X   X           1,858,370    637,055     63,021

 RIGGS INTERMEDIATE TAX FREE BD FD R  76656A864    33,004  3,270,977 SH          X                   3,246,534     13,419     11,023

 RIGGS INTERMEDIATE TAX FREE BD FD R  76656A864    31,263  3,098,423 SH              X   X           2,388,654    709,768

 RIGGS BOND FUND CL R                 76656A872    28,509  2,797,713 SH          X                   2,786,225      8,029      3,458

 RIGGS BOND FUND CL R                 76656A872    10,738  1,053,735 SH              X   X             968,913     84,822

 RIGGS NATL CORP WASH D C             766570105       428     34,904 SH          X                      31,904      1,500      1,500

 RIGGS NATL CORP WASH D C             766570105     1,484    121,136 SH              X   X             112,671      6,635      1,830

 ROCKWELL INTL CORP NEW               773903109        38      1,266 SH          X                       1,266
 COM
 ROCKWELL INTL CORP NEW               773903109       265      8,744 SH              X   X               8,744
 COM
 ROHM & HAAS CO                       775371107        34      1,178 SH          X                       1,178

 ROHM & HAAS CO                       775371107       170      5,844 SH              X   X               5,844

 ROPER INDS INC NEW                   776696106       398     12,000 SH              X   X                                    12,000

 T ROWE PRICE STATE TAX               77957R101       214     21,085 SH          X                      21,085
 FREE INCOME TRUST MARYLAND
 T ROWE PRICE TAX FREE INCOME FUND    779576107       216     23,145 SH              X   X              23,145

 ROYAL DUTCH PETE CO                  780257804     3,799     63,380 SH          X                      62,180                 1,200
 N Y REGISTRY SH PAR N GLDR 1.25
 ROYAL DUTCH PETE CO                  780257804     4,115     68,657 SH              X   X              45,657     20,200      2,800
 N Y REGISTRY SH PAR N GLDR 1.25
 RYANAIR HLDGS PLC                    783513104     1,451     37,684 SH          X                      37,684
 SPONSORED ADR
 RYANAIR HLDGS PLC                    783513104         6        164 SH              X   X                 164
 SPONSORED ADR
 SBC COMMUNICATIONS INC               78387G103     9,289    186,249 SH          X                     176,668        630      8,951

 SBC COMMUNICATIONS INC               78387G103     8,282    166,053 SH              X   X             133,162     31,691      1,200

                                               ----------
          PAGE TOTAL                              302,760
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE   24
                                                                    AS OF 09/30/00
 - - - - - 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)
 SBS TECHNOLOGIES INC                 78387P103     1,440     61,914 SH          X                      61,914
 COM
 SBS TECHNOLOGIES INC                 78387P103         6        262 SH              X   X                 262
 COM
 SCI SYS INC                          783890106     4,840    118,051 SH          X                     105,076                12,975
 COM
 SCI SYS INC                          783890106        58      1,407 SH              X   X               1,407
 COM
 SAFEGUARD SCIENTIFICS INC            786449108       340     17,100 SH              X   X                                    17,100
 COM
 SAFEWAY INC NEW                      786514208     6,617    141,734 SH          X                     127,883        395     13,456

 SAFEWAY INC NEW                      786514208       208      4,461 SH              X   X               4,461

 SAGA SYS INC                         786610105       677     64,460 SH          X                      63,960                   500
 COM
 SAGA SYS INC                         786610105         3        270 SH              X   X                 270
 COM
 ST PAUL COS INC                      792860108       157      3,122 SH          X                       3,122

 ST PAUL COS INC                      792860108       633     12,568 SH              X   X               6,368      6,200

 SARA LEE CORP                        803111103       165      8,100 SH          X                       8,100

 SARA LEE CORP                        803111103     1,607     79,100 SH              X   X              30,700     48,000        400

 SAUL CTRS INC                        804395101        19      1,200 SH          X                       1,200
 COM
 SAUL CTRS INC                        804395101       159     10,000 SH              X   X              10,000
 COM
 SCANSOURCE INC                       806037107       477      8,944 SH          X                       8,944
 COM
 SCANSOURCE INC                       806037107         2         38 SH              X   X                  38
 COM
 SCHERING PLOUGH CORP                 806605101       261      5,600 SH          X                       5,600

 SCHERING PLOUGH CORP                 806605101     1,274     27,354 SH              X   X              21,354      6,000

 SCHLUMBERGER LTD                     806857108     1,126     13,685 SH          X                      13,685

 SCHLUMBERGER LTD                     806857108     2,684     32,608 SH              X   X              22,618      7,590      2,400

 SCHWAB CHARLES CORP NEW              808513105       351      9,900 SH          X                       9,900
 COM
 SCUDDER MANAGED MUN BDS CL A         811170604       274     31,608 SH          X                      31,608

 SEALED AIR CORP NEW                  81211K100     1,619     35,790 SH          X                      32,630                 3,160
 COM
 SEALED AIR CORP NEW                  81211K100       100      2,208 SH              X   X               2,208
 COM
                                               ----------
          PAGE TOTAL                               25,097
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE   25
                                                                    AS OF 09/30/00
 - - - - - 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)
 SEARS ROEBUCK & CO                   812387108     5,243    161,708 SH          X                     145,488        210     16,010

 SEARS ROEBUCK & CO                   812387108       903     27,840 SH              X   X              23,978      2,762      1,100

 SEITEL INC                           816074306       173     12,000 SH              X   X              12,000
 COM NEW
 SIEBEL SYS INC                       826170102       312      2,800 SH          X                       2,800
 COM
 SIEBEL SYS INC                       826170102        33        300 SH              X   X                 300
 COM
 SKY FINL GROUP INC                   83080P103       198     11,179 SH              X   X              11,179
 COM
 SKYWEST INC                          830879102     1,503     29,330 SH          X                      29,330
 COM
 SKYWEST INC                          830879102         7        130 SH              X   X                 130
 COM
 SMITHKLINE BEECHAM P L C             832378301       336      4,896 SH          X                       4,896
 ADR REPSTG ORD A
 SMITHKLINE BEECHAM P L C             832378301     1,043     15,200 SH              X   X               4,800     10,400
 ADR REPSTG ORD A
 SOLECTRON CORP                       834182107       198      4,300 SH          X                       4,300

 SOLECTRON CORP                       834182107        92      2,000 SH              X   X                                     2,000

 SOLUTIA INC                          834376105         5        400 SH          X                         400
 COM
 SOLUTIA INC                          834376105       245     21,556 SH              X   X              13,660      7,896
 COM
 SOUTHERN CO                          842587107        81      2,500 SH          X                       2,500

 SOUTHERN CO                          842587107       167      5,138 SH              X   X               4,608        530

 SOVEREIGN BANCORP INC                845905108       250     27,000 SH              X   X                                    27,000
 COM
 SPRINT CORP                          852061100         6        200 SH          X                         200

 SPRINT CORP                          852061100       875     29,856 SH              X   X               8,974     20,882

 SPRINT CORP                          852061506       411     11,700 SH              X   X               2,510      9,190
 PCS COM SER 1
 STANLEY FURNITURE INC                854305208       233      9,600 SH              X   X                                     9,600
 COM NEW
 STANLEY WKS                          854616109        88      3,800 SH          X                       3,800

 STANLEY WKS                          854616109       238     10,300 SH              X   X              10,300

 STARBASE CORP                        854910205       519     91,245 SH          X                      91,245
 COM NEW
 STARBASE CORP                        854910205         2        395 SH              X   X                 395
 COM NEW
                                               ----------
          PAGE TOTAL                               13,161
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE   26
                                                                    AS OF 09/30/00
 - - - - - 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)
 STATE STR CORP                       857477103       546      4,200 SH          X                       4,200
 COM
 STATE STR CORP                       857477103     2,368     18,200 SH              X   X               3,200     15,000
 COM
 STEEL DYNAMICS INC                   858119100       835     90,910 SH          X                      90,910
 COM
 STEEL DYNAMICS INC                   858119100         4        400 SH              X   X                 400
 COM
 STERLING BANCORP                     859158107       895     45,910 SH          X                      45,910

 STERLING BANCORP                     859158107         4        180 SH              X   X                 180

 STILLWATER MNG CO                    86074Q102     1,020     37,698 SH          X                      37,698
 COM
 STILLWATER MNG CO                    86074Q102         4        159 SH              X   X                 159
 COM
 STMICROELECTRONICS N V               861012102     4,063     85,095 SH          X                      75,860                 9,235
 SHS-N Y RGISTRY
 STMICROELECTRONICS N V               861012102        50      1,055 SH              X   X               1,055
 SHS-N Y RGISTRY
 SUN MICROSYSTEMS INC                 866810104     3,432     29,398 SH          X                      29,068        330

 SUN MICROSYSTEMS INC                 866810104     2,417     20,699 SH              X   X              15,834        465      4,400

 SUNTRUST BKS INC                     867914103       269      5,392 SH          X                       5,392

 SUNTRUST BKS INC                     867914103        39        777 SH              X   X                 777

 SUPER VALU INC                       868536103       717     47,588 SH          X                      47,588

 SUPER VALU INC                       868536103       256     17,000 SH              X   X                                    17,000

 SYMIX SYS INC                        871535100       448     81,009 SH          X                      81,009
 COM
 SYMIX SYS INC                        871535100         2        386 SH              X   X                 386
 COM
 SYSCO CORP                           871829107       282      6,095 SH          X                       6,095

 SYSCO CORP                           871829107       164      3,550 SH              X   X               3,550

 TC PIPELINES LP                      87233Q108       206     10,500 SH              X   X                                    10,500
 UNIT COM LTD PARTNERSHIP INT
 TECO ENERGY INC                      872375100       609     21,168 SH          X                      21,168

 TECO ENERGY INC                      872375100       121      4,200 SH              X   X               3,600        600

 TJX COMPANIES INC                    872540109       307     13,643 SH          X                      13,443                   200

 TJX COMPANIES INC                    872540109       130      5,770 SH              X   X                 500        270      5,000

                                               ----------
          PAGE TOTAL                               19,188
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE   27
                                                                    AS OF 09/30/00
 - - - - - 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)
 TRW INC                              872649108       213      5,235 SH          X                       5,235

 TRW INC                              872649108        54      1,330 SH              X   X                 930                   400

 TXU CORP                             873168108       308      7,780 SH          X                       7,780
 COM
 TXU CORP                             873168108       323      8,150 SH              X   X               3,860      4,090        200
 COM
 TARGET CORP                          87612E106     4,541    177,215 SH          X                     162,995                14,220
 COM
 TARGET CORP                          87612E106     1,754     68,440 SH              X   X              59,440      9,000
 COM
 TECH DATA CORP                       878237106     1,763     41,243 SH          X                      41,243
 COM
 TECH DATA CORP                       878237106         8        184 SH              X   X                 184
 COM
 TEXACO INC                           881694103       700     13,326 SH          X                      13,126        200

 TEXACO INC                           881694103       936     17,822 SH              X   X              12,372      4,150      1,300

 TEXAS INSTRS INC                     882508104     3,514     74,183 SH          X                      66,698         60      7,425

 TEXAS INSTRS INC                     882508104       890     18,786 SH              X   X              13,450      5,336

 TEXTRON INC                          883203101     5,026    108,826 SH          X                      99,331                 9,495

 TEXTRON INC                          883203101     1,000     21,649 SH              X   X              13,539      7,310        800

 TIME WARNER INC                      887315109     5,255     67,085 SH          X                      60,255         80      6,750

 TIME WARNER INC                      887315109       269      3,430 SH              X   X               3,430

 TRIBUNE CO NEW                       896047107    10,286    235,783 SH          X                     218,268      1,255     16,260

 TRIBUNE CO NEW                       896047107     2,161     49,527 SH              X   X              33,667     14,860      1,000

 TRIGON HEALTHCARE INC                89618L100     1,584     30,143 SH          X                      30,143
 COM
 TRIGON HEALTHCARE INC                89618L100         7        130 SH              X   X                 130
 COM
 TRUE NORTH COMMUNICATIONS INC        897844106       732     20,500 SH          X                      20,500
 COM
 TRUE NORTH COMMUNICATIONS INC        897844106         3         85 SH              X   X                  85
 COM
 TUESDAY MORNING CORP                 899035505       585     74,871 SH          X                      74,871
 COM NEW
 TUESDAY MORNING CORP                 899035505         2        315 SH              X   X                 315
 COM NEW
 TYCO INTL LTD NEW                    902124106     9,981    192,413 SH          X                     171,942        125     20,346
 COM
                                               ----------
          PAGE TOTAL                               51,895
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE   28
                                                                    AS OF 09/30/00
 - - - - - 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)
 TYCO INTL LTD NEW                    902124106    11,805    227,567 SH              X   X               4,896        600    222,071
 COM
 US BANCORP DEL                       902973106       298     13,107 SH          X                      13,107
 COM
 USA ED INC                           90390U102       348      7,230 SH          X                       7,230
 COM
 USA ED INC                           90390U102         5        100 SH              X   X                 100
 COM
 UNILEVER N V NEW YORK SHS            904784709       351      7,271 SH          X                       7,271
 NEW
 UNILEVER N V NEW YORK SHS            904784709       167      3,454 SH              X   X               2,371      1,083
 NEW
 UNION PAC CORP                       907818108       220      5,660 SH          X                       5,660

 UNION PAC CORP                       907818108     1,239     31,824 SH              X   X              22,524      6,900      2,400

 UNITED TECHNOLOGIES CORP             913017109    10,225    147,385 SH          X                     135,415        600     11,370

 UNITED TECHNOLOGIES CORP             913017109     2,891     41,669 SH              X   X              34,219      7,450

 UNITED HEALTH GROUP INC              91324P102     2,698     27,325 SH          X                      24,400                 2,925
 COM
 UNITED HEALTH GROUP INC              91324P102        63        635 SH              X   X                 635
 COM
 USFREIGHTWAYS CORP                   916906100       944     41,605 SH          X                      41,605
 COM
 USFREIGHTWAYS CORP                   916906100         4        185 SH              X   X                 185
 COM
 VAN KAMPEN AMERN CAP TAX EXEMPT TR   92113R309       137     12,836 SH              X   X                                    12,836
 HIGH YIELD MUN FD CL C
 VARIAN MED SYS INC                   92220P105       599     13,245 SH          X                      13,245
 COM
 VARIAN MED SYS INC                   92220P105         3         60 SH              X   X                  60
 COM
 VARIAN SEMICONDUCTOR EQUIPTMENT      922207105       877     23,414 SH          X                      23,414
 ASSOCS INC COM
 VARIAN SEMICONDUCTOR EQUIPTMENT      922207105         4        103 SH              X   X                 103
 ASSOCS INC COM
 VECTREN CORP                         92240G101       302     14,881 SH              X   X              14,881
 COM
 VANGUARD MUN BD FD INC               922907308       284     26,728 SH          X                      26,728
 LONG TERM PORTFOLIO
 VERIZON COMMUNICATIONS               92343V104    18,275    377,289 SH          X                     358,230        426     18,633
 COM
 VERIZON COMMUNICATIONS               92343V104    15,285    315,548 SH              X   X             254,738     50,671     10,139
 COM
 VERITAS SOFTWARE CORP                923436109       216      1,524 SH          X                       1,524
 COM
 VERITAS SOFTWARE CORP                923436109        32        225 SH              X   X                 225
 COM
                                               ----------
          PAGE TOTAL                               67,272
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE   29
                                                                    AS OF 09/30/00
 - - - - - 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)
 VERMONT TEDDY BEAR CO INC            92427X109     7,055  1,820,625 SH              X   X                                 1,820,625

 VIACOM INC NON VTG CLASS B           925524308       198      3,393 SH          X                       3,393

 VIACOM INC NON VTG CLASS B           925524308     2,706     46,251 SH              X   X              39,826      3,255      3,170

 VIADOR INC                           92553R108       553     63,145 SH          X                      63,145
 COM
 VIADOR INC                           92553R108         2        280 SH              X   X                 280
 COM
 VODAFONE GROUP PLC NEW SPSD ADR      92857W100       693     18,730 SH          X                      18,730

 VODAFONE GROUP PLC NEW SPSD ADR      92857W100     1,324     35,775 SH              X   X              34,675      1,100

 WACHOVIA CORP                        929771103       673     11,874 SH          X                      11,874

 WACHOVIA CORP                        929771103     1,013     17,877 SH              X   X              12,697      4,320        860

 WAL MART STORES INC                  931142103     1,659     34,480 SH          X                      34,430                    50

 WAL MART STORES INC                  931142103     6,736    139,975 SH              X   X              58,675     77,300      4,000

 WALGREEN CO                          931422109       508     13,385 SH          X                      13,220        165

 WALGREEN CO                          931422109     2,418     63,725 SH              X   X              57,325      6,400

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

 WASHINGTON GAS LT CO                 938837101       328     12,216 SH          X                      12,216

 WASHINGTON GAS LT CO                 938837101       587     21,854 SH              X   X              16,966                 4,888

 WASHINGTON MUTUAL INC                939322103       357      8,961 SH          X                       8,511        450

 WASHINGTON MUTUAL INC                939322103        85      2,129 SH              X   X               1,604        525

 WASHINGTON POST CO CL B              939640108       211        400 SH          X                         400

 WASHINGTON REAL ESTATE INVT TR       939653101        25      1,240 SH          X                       1,240
 SH BEN INT
 WASHINGTON REAL ESTATE INVT TR       939653101       593     29,553 SH              X   X              28,653        900
 SH BEN INT
 WASTE MGMT INC DEL                   94106L109       309     17,738 SH          X                      17,738
 COM
 WASTE MGMT INC DEL                   94106L109        22      1,237 SH              X   X                 222      1,015
 COM
 WEINGARTEN REALTY INVESTORS SHS BEN  948741103     1,973     48,426 SH          X                      48,426

 WEINGARTEN REALTY INVESTORS SHS BEN  948741103        78      1,926 SH              X   X               1,926

                                               ----------
          PAGE TOTAL                               32,884
<PAGE>


REPORT PTR289  38 RIGGS BANK N.A.                   SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/16/00           PAGE   30
                                                                    AS OF 09/30/00
 - - - - - 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)
 WELLS FARGO & CO NEW                 949746101     8,991    195,724 SH          X                     178,549        115     17,060
 COM
 WELLS FARGO & CO NEW                 949746101     1,320     28,745 SH              X   X              28,745
 COM
 WENDYS INTL INC                      950590109        94      4,700 SH          X                       4,700

 WENDYS INTL INC                      950590109       161      8,000 SH              X   X               4,200      3,800

 WESTERN RESOURCES INC                959425109        28      1,300 SH          X                       1,300

 WESTERN RESOURCES INC                959425109       380     17,575 SH              X   X              16,225        950        400

 WEYERHAEUSER CO                      962166104     2,337     57,605 SH          X                      53,235                 4,370

 WEYERHAEUSER CO                      962166104     1,255     30,951 SH              X   X              21,511      7,565      1,875

 WHITMAN CORP NEW                     96647R107       111      9,600 SH          X                       9,600
 COM
 WHITMAN CORP NEW                     96647R107        16      1,400 SH              X   X               1,400
 COM
 WHITNEY HLDG CORP                    966612103       438     12,075 SH              X   X                         12,075

 WHOLE FOODS MKT INC                  966837106       701     13,055 SH          X                      13,055

 WHOLE FOODS MKT INC                  966837106       163      3,030 SH              X   X                 255      2,075        700

 WILMINGTON TR CORP                   971807102       526      9,804 SH              X   X               6,480                 3,324

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

 WISCONSIN ENERGY CORP                976657106       220     11,000 SH              X   X               3,800      7,200

 WORLDCOM INC GA NEW                  98157D106    13,863    456,381 SH          X                     434,861        225     21,295
 COM
 WORLDCOM INC GA NEW                  98157D106     1,934     63,684 SH              X   X              51,780      2,750      9,154
 COM
 XCEL ENERGY INC                      98389B100       430     15,637 SH          X                      15,637

 XCEL ENERGY INC                      98389B100     1,088     39,536 SH              X   X              23,884     13,040      2,612

 XEROX CORP                           984121103       429     28,586 SH          X                      28,286                   300

 XEROX CORP                           984121103       980     65,300 SH              X   X              47,010     15,390      2,900

 ZEBRA TECHNOLOGIES CORP              989207105     1,310     27,255 SH          X                      27,255
 CL A
 ZEBRA TECHNOLOGIES CORP              989207105         6        130 SH              X   X                 130
 CL A
                                               ----------
          PAGE TOTAL                               36,814
         FINAL TOTALS                           1,634,873
</TABLE>


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