BANK OF NEW YORK TRUST CO OF FLORIDA N A
13F-HR, 1999-07-20
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 13F

FORM 13F COVER PAGE

REPORT FOR THE QUARTER ENDED: 06/30/1999

INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT:

NAME:                         BANK OF NEW YORK TRUST COMPANY OF FLORIDA
STREET:                       800 BRICKELL AVE.
                              SUITE 300
                              MIAMI
                              FL
                              33131

13F FILE NUMBER:              28-5962

THE INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT AND THE PERSON BY
WHOM IT IS SIGNED HEREBY REPRESENT THAT THE PERSON SIGNING THE REPORT IS
AUTHORIZED TO SUBMIT IT, THAT ALL INFORMATION CONTAINED HEREIN IS TRUE,
CORRECT AND COMPLETE, AND THAT IT IS UNDERSTOOD THAT ALL REQUIRED ITEMS,
STATEMENTS, SCHEDULES, LISTS, AND TABLES, ARE CONSIDERED INTEGRAL PARTS OF THIS
FORM.

PERSON SIGNING THIS REPORT ON BEHALF OF THE INVESTMENT MANAGER:

NAME:                         NICHOLAS G. ENGLISH
TITLE:                        SVP
PHONE:                        305-372-7401
SIGNATURE, PLACE, AND DATE OF SIGNING:
                              NICHOLAS G. ENGLISH
                              MIAMI
                              FL
                              06/30/1999

REPORT TYPE:                  13F HOLDINGS REPORT

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: REFERENCE END OF REPORT

FORM 13F INFORMATION TABLE VALUE TOTAL: REFERENCE END OF REPORT

<PAGE>
<TABLE>
<S>                              <C>                                              <C>
                                                             VALUE    SHARES/ SH/ PUT/ INVSTMT            ----VOTING AUTHORITY----
  NAME OF ISSUER                 -TITLE OF CLASS- --CUSIP-- (X$1000)  PRN AMT PRN CALL DSCRETN -MANAGERS-     SOLE   SHARED     NONE
D FRUIT OF THE LOOM LTD          ORD CL A         G3682L105        9      900 SH       SOLE                    900        0        0
D GLOBALSTAR TELECOMMUNICTNS LTD COM              G3930H104       23     1000 SH       SOLE                    100        0      900
D LORAL SPACE & COMMUNICATIONS   COM              G56462107       40     2200 SH       SOLE                   1100        0     1100
D TRANSOCEAN OFFSHORE INC CAYMON ORD              G90076103       53     2000 SH       OTHER                  2000        0        0
D AFLAC INC                      COM              001055102       19      400 SH       SOLE                    400        0        0
D AT&T CORP                      COM              001957109      436     7819 SH       SOLE                   3050        0     4769
D AT&T CORP                      COM              001957109      430     7705 SH       OTHER                  7705        0        0
D AT&T CORP                      COM LIB GRP A    001957208      160     4356 SH       SOLE                      0        0     4356
D AT&T CORP                      COM LIB GRP A    001957208       57     1540 SH       OTHER                  1540        0        0
D AT & T CDA INC                 DEPS RCPT CL B   00207Q202     1160    18100 SH       SOLE                   8400        0     9700
D AT & T CDA INC                 DEPS RCPT CL B   00207Q202      304     4750 SH       OTHER                  4200        0      550
D ABBOTT LABS                    COM              002824100      163     3600 SH       SOLE                   3400        0      200
D ABBOTT LABS                    COM              002824100       27      600 SH       OTHER                   600        0        0
D ABERCROMBIE & FITCH CO         CL A             002896207       19      400 SH       SOLE                      0        0      400
D ADAMS EXPRESS CO               COM              006212104       37     1281 SH       SOLE                      0        0     1281
D AEGON N V                      ORD AMER REG     007924103       45      608 SH       SOLE                    608        0        0
D AEGON N V                      ORD AMER REG     007924103       45      608 SH       OTHER                   608        0        0
D AETNA INC                      COM              008117103       29      322 SH       SOLE                    300        0       22
D AETNA INC                      COM              008117103       39      440 SH       OTHER                   400        0       40
D AIR PRODS & CHEMS INC          COM              009158106       32      800 SH       SOLE                    800        0        0
D AIRTOUCH COMMUNICATIONS INC    COM              00949T100        0    16594 SH       SOLE                   6000        0    10594
D AIRTOUCH COMMUNICATIONS INC    COM              00949T100        0     7192 SH       OTHER                  7192        0        0
D ALBERTSONS INC                 COM              013104104        8      150 SH       SOLE                      0        0      150
D ALCAN ALUMINIUM LTD NEW        COM              013716105       14      450 SH       OTHER                     0        0      450
D ALCOA INC                      COM              013817101      141     2284 SH       OTHER                  2284        0        0
D ALCATEL                        SPONSORED ADR    013904305       11      400 SH       SOLE                      0        0      400
D ALEXANDER & BALDWIN INC        COM              014482103       16      700 SH       SOLE                    700        0        0
D ALLEGHENY ENERGY INC           COM              017361106       35     1100 SH       SOLE                   1100        0        0
D ALLEGIANCE TELECOM INC         COM              01747T102      783    14275 SH       SOLE                   8775        0     5500
D ALLEGIANCE TELECOM INC         COM              01747T102      147     2675 SH       OTHER                  2675        0        0
D ALLERGAN INC                   COM              018490102       42      379 SH       SOLE                      0        0      379
D ALLERGAN SPECIALTY THERAP      CL A             018494104        0       18 SH       SOLE                      0        0       18
D ALLIANT TECHSYSTEMS INC        COM              018804104       54      623 SH       SOLE                      0        0      623
D ALLMERICA FINL CORP            COM              019754100       21      340 SH       SOLE                      0        0      340
D ALLSTATE CORP                  COM              020002101       29      800 SH       SOLE                    800        0        0
D ALLSTATE CORP                  COM              020002101       47     1308 SH       OTHER                  1124        0      184
D ALLTEL CORP                    COM              020039103       53      740 SH       OTHER                   740        0        0
D ALTERA CORP                    COM              021441100       74     2000 SH       OTHER                  2000        0        0
D AMEREN CORP                    COM              023608102       35      900 SH       SOLE                      0        0      900
D AMEREN CORP                    COM              023608102       31      800 SH       OTHER                   800        0        0
D AMERICA ONLINE INC DEL         COM              02364J104      660     6000 SH       SOLE                   4345        0     1655
D AMERICA ONLINE INC DEL         COM              02364J104       94      850 SH       OTHER                   850        0        0
D AMERICAN ELEC PWR INC          COM              025537101       63     1675 SH       SOLE                   1175        0      500
D AMERICAN ELEC PWR INC          COM              025537101        4      100 SH       OTHER                     0        0      100
D AMERICAN EXPRESS CO            COM              025816109     1701    13075 SH       SOLE                   1075        0    12000
D AMERICAN GENERAL CORP          COM              026351106        4       50 SH       OTHER                     0        0       50
D AMERICAN HEALTH PPTYS INC      COM              026494104       13      624 SH       SOLE                    416        0      208
D AMERICAN HOME PRODS CORP       COM              026609107      857    14940 SH       SOLE                   6300        0     8640
D AMERICAN HOME PRODS CORP       COM              026609107      275     4800 SH       OTHER                  4600        0      200
D AMERICAN INSD MTG INVS L P 86  DEPOSITORY UNIT  02686F103        5      821 SH       SOLE                    821        0        0
D AMERICAN INTL GROUP INC        COM              026874107      660     5627 SH       SOLE                   3550        0     2077
D AMERICAN INTL GROUP INC        COM              026874107      529     4512 SH       OTHER                  4512        0        0
D AMERICAN STD COS INC DEL       COM              029712106        2       50 SH       OTHER                     0        0       50
D AMERICAN WTR WKS INC           COM              030411102        2       75 SH       SOLE                     75        0        0
D AMERITECH CORP NEW             COM              030954101      264     3592 SH       SOLE                      0        0     3592
D AMERITECH CORP NEW             COM              030954101      385     5240 SH       OTHER                  5240        0        0
D AMERIGAS PARTNERS L P          UNIT L P INT     030975106       12      600 SH       SOLE                    600        0        0
D AMETEK INC NEW                 COM              031100100       22      950 SH       SOLE                    950        0        0
D AMGEN INC                      COM              031162100      292     4800 SH       OTHER                  4800        0        0
D ANALOG DEVICES INC             COM              032654105       13      266 SH       OTHER                   266        0        0
D ANHEUSER BUSCH COS INC         COM              035229103       25      350 SH       SOLE                    350        0        0
D APPLE COMPUTER INC             COM              037833100        3       75 SH       SOLE                     75        0        0
D AQUARION CO                    COM              03838W101       79     2250 SH       OTHER                  2250        0        0
D ARIS CORP                      COM              04040A101       47     5700 SH       SOLE                      0        0     5700
D ARROW ELECTRS INC              COM              042735100        2      100 SH       OTHER                     0        0      100
D ASHLAND INC                    COM              044204105        2       50 SH       OTHER                     0        0       50
D ASSOCIATES FIRST CAP CORP      CL A             046008108      168     3804 SH       SOLE                   1654        0     2150
D ASSOCIATES FIRST CAP CORP      CL A             046008108        9      208 SH       OTHER                   208        0        0
D ATLANTIC RICHFIELD CO          COM              048825103      284     3400 SH       SOLE                   1800        0     1600
D ATLANTIC RICHFIELD CO          COM              048825103      206     2460 SH       OTHER                  2460        0        0
D ATMEL CORP                     COM              049513104        5      200 SH       SOLE                    200        0        0
D AUTOMATIC DATA PROCESSING INC  COM              053015103     1912    43446 SH       SOLE                  21500        0    21946
D AUTOMATIC DATA PROCESSING INC  COM              053015103      482    10950 SH       OTHER                  8850        0     2100
D AUTOZONE INC                   COM              053332102        8      250 SH       OTHER                   250        0        0
D BEC ENERGY                     COM              05538M101       41     1000 SH       SOLE                      0        0     1000
D BP AMOCO P L C                 SPONSORED ADR    055622104     1429    13172 SH       SOLE                   6501        0     6671
D BP AMOCO P L C                 SPONSORED ADR    055622104      477     4392 SH       OTHER                  4392        0        0
D BAKER FENTRESS & CO            COM              057213100      100     5285 SH       SOLE                   5285        0        0
D BALL CORP                      COM              058498106       30      700 SH       SOLE                    700        0        0
D BANK OF AMERICA CORPORATION    COM              060505104       81     1108 SH       SOLE                      0        0     1108
D BANK OF AMERICA CORPORATION    COM              060505104      257     3508 SH       OTHER                  2715        0      793
D BANK NEW YORK INC              COM              064057102     5568   151772 SH       SOLE                  64596        0    87176
D BANK NEW YORK INC              COM              064057102      862    23500 SH       OTHER                  8800        0    14700
D BANK ONE CORP                  COM              06423A103      338     5682 SH       SOLE                   1522        0     4160
D BANK ONE CORP                  COM              06423A103       42      700 SH       OTHER                     0        0      700
D BARCLAYS BK PLC                AM DEP NT RCPT   06738C836       10      400 SH       OTHER                   400        0        0
D BEAR STEARNS COS INC           COM              073902108       20      420 SH       SOLE                    420        0        0
D BECKMAN COULTER INC            COM              075811109        7      138 SH       SOLE                      0        0      138
D BECTON DICKINSON & CO          COM              075887109       66     2200 SH       SOLE                   1800        0      400
D BECTON DICKINSON & CO          COM              075887109      117     3900 SH       OTHER                     0        0     3900
D BED BATH & BEYOND INC          COM              075896100       77     2000 SH       OTHER                  2000        0        0
D BELL ATLANTIC CORP             COM              077853109      478     7308 SH       SOLE                   3804        0     3504
D BELL ATLANTIC CORP             COM              077853109      684    10460 SH       OTHER                 10460        0        0
D BELLSOUTH CORP                 COM              079860102      890    19294 SH       SOLE                  11200        0     8094
D BELLSOUTH CORP                 COM              079860102      787    17064 SH       OTHER                 13464        0     3600
D BERKSHIRE HATHAWAY INC DEL     CL A             084670108       30        3 SH       SOLE                      0        0        3
D BERKSHIRE HATHAWAY INC DEL     CL B             084670207       87       39 SH       SOLE                      0        0       39
D BERKSHIRE RLTY INC             COM              084710102        6      536 SH       SOLE                      0        0      536
D BESTFOODS                      COM              08658U101     1354    27350 SH       SOLE                  13200        0    14150
D BESTFOODS                      COM              08658U101      384     7750 SH       OTHER                  6950        0      800
D BETHLEHEM STL CORP             PFD CV $5        087509303       27      500 SH       OTHER                   500        0        0
D BIOGEN INC                     COM              090597105       39      300 SH       SOLE                    300        0        0
D BIOGEN INC                     COM              090597105        6       50 SH       OTHER                    50        0        0
D BIOMET INC                     COM              090613100       16      400 SH       SOLE                      0        0      400
D BLACKROCK 2001 TERM TR INC     COM              092477108       18     2000 SH       OTHER                  2000        0        0
D BOEING CO                      COM              097023105       44     1000 SH       SOLE                    600        0      400
D BOEING CO                      COM              097023105        9      200 SH       OTHER                   200        0        0
D BORDERS GROUP INC              COM              099709107     1015    64175 SH       SOLE                  42425        0    21750
D BORDERS GROUP INC              COM              099709107      234    14800 SH       OTHER                 12900        0     1900
D BRADLEY REAL ESTATE INC        COM              104580105        4      205 SH       OTHER                   205        0        0
D BRIGGS & STRATTON CORP         COM              109043109       23      400 SH       SOLE                    400        0        0
D BRISTOL MYERS SQUIBB CO        COM              110122108     4013    56974 SH       SOLE                  49478        0     7496
D BRISTOL MYERS SQUIBB CO        COM              110122108      500     7100 SH       OTHER                  5900        0     1200
D BRITISH STL PLC                ADR FINAL INST   111015301       13      500 SH       OTHER                   500        0        0
D BROWN FORMAN CORP              CL A             115637100      119     2000 SH       OTHER                     0        0     2000
D BROWN FORMAN CORP              CL B             115637209       42      650 SH       SOLE                    650        0        0
D BROWN FORMAN CORP              CL B             115637209      130     2000 SH       OTHER                     0        0     2000
D BURLINGTON RES INC             COM              122014103        9      200 SH       SOLE                      0        0      200
D CBS CORP                       COM              12490K107       35      800 SH       SOLE                      0        0      800
D CIGNA CORP                     COM              125509109       42      468 SH       OTHER                   318        0      150
D CSX CORP                       COM              126408103      116     2550 SH       SOLE                   1200        0     1350
D CSX CORP                       COM              126408103       41      900 SH       OTHER                   675        0      225
D CVS CORP                       COM              126650100      846    16675 SH       SOLE                  13175        0     3500
D CVS CORP                       COM              126650100      335     6600 SH       OTHER                  5300        0     1300
D CABLE & WIRELESS PUB LTD CO    SPONSORED ADR    126830207        6      150 SH       SOLE                    150        0        0
D CABOT CORP                     COM              127055101        2      100 SH       OTHER                     0        0      100
D CAMBRIDGE TECH PARTNERS MASS   COM              132524109       88     5000 SH       SOLE                   5000        0        0
D CAMPBELL SOUP CO               COM              134429109       23      500 SH       OTHER                   500        0        0
D CARDINAL HEALTH INC            COM              14149Y108      289     4500 SH       SOLE                      0        0     4500
D CAREMATRIX CORP                COM              141706101        7      600 SH       OTHER                     0        0      600
D CARNIVAL CORP                  COM              143658102       58     1200 SH       SOLE                   1200        0        0
D CAROLINA PWR & LT CO           COM              144141108       51     1200 SH       SOLE                   1200        0        0
D CAROLINA PWR & LT CO           COM              144141108       47     1100 SH       OTHER                  1100        0        0
D CATERPILLAR INC DEL            COM              149123101      402     6700 SH       SOLE                   3700        0     3000
D CENTOCOR INC                   COM              152342101      892    19125 SH       SOLE                   9625        0     9500
D CENTOCOR INC                   COM              152342101      177     3800 SH       OTHER                  3300        0      500
D CENTRAL & SOUTH WEST CORP      COM              152357109      164     7032 SH       SOLE                   5400        0     1632
D CENTRAL & SOUTH WEST CORP      COM              152357109        4      150 SH       OTHER                     0        0      150
D CERIDIAN CORP                  COM              15677T106       20      600 SH       OTHER                   600        0        0
D CHASE MANHATTAN CORP NEW       COM              16161A108       61      700 SH       SOLE                    700        0        0
D CHASE MANHATTAN CORP NEW       COM              16161A108       52      600 SH       OTHER                   600        0        0
D CHEVRON CORPORATION            COM              166751107      409     4300 SH       SOLE                   4150        0      150
D CHEVRON CORPORATION            COM              166751107      285     3000 SH       OTHER                  3000        0        0
D CHIRON CORP                    COM              170040109       21     1000 SH       SOLE                      0        0     1000
D CHUBB CORP                     COM              171232101       42      600 SH       SOLE                    500        0      100
D CHUBB CORP                     COM              171232101        6       85 SH       OTHER                     0        0       85
D CIENA CORP                     COM              171779101       15      500 SH       OTHER                   500        0        0
D CINERGY CORP                   COM              172474108       29      900 SH       SOLE                    900        0        0
D CINERGY CORP                   COM              172474108        3      100 SH       OTHER                     0        0      100
D CISCO SYS INC                  COM              17275R102     4376    67912 SH       SOLE                  35548        0    32364
D CISCO SYS INC                  COM              17275R102     1948    30234 SH       OTHER                 28134        0     2100
D CITIGROUP INC                  COM              172967101     3336    70228 SH       SOLE                  31279        0    38949
D CITIGROUP INC                  COM              172967101     1082    22778 SH       OTHER                 20294        0     2484
D CLOROX CO DEL                  COM              189054109      150     1400 SH       SOLE                   1400        0        0
D COACHMEN INDS INC              COM              189873102       37     1600 SH       OTHER                     0        0     1600
D COASTAL CORP                   COM              190441105       16      400 SH       SOLE                      0        0      400
D COCA COLA CO                   COM              191216100     3164    51026 SH       SOLE                  34057        0    16969
D COCA COLA CO                   COM              191216100     1237    19950 SH       OTHER                 17850        0     2100
D COLGATE PALMOLIVE CO           COM              194162103       76      770 SH       SOLE                    770        0        0
D COLGATE PALMOLIVE CO           COM              194162103      330     3350 SH       OTHER                  3350        0        0
D COMCAST CORP                   CL A SPL         200300200     1153    30000 SH       SOLE                  20400        0     9600
D COMCAST CORP                   CL A SPL         200300200      123     3200 SH       OTHER                  3200        0        0
D COMMERCIAL BANKSHARES INC      COM              201607108      333    15393 SH       SOLE                  15393        0        0
D COMMSCOPE INC                  COM              203372107        4      140 SH       SOLE                      0        0      140
D COMPAQ COMPUTER CORP           COM              204493100      154     6500 SH       SOLE                   5400        0     1100
D COMPAQ COMPUTER CORP           COM              204493100       40     1700 SH       OTHER                  1700        0        0
D CONAGRA INC                    COM              205887102       11      400 SH       OTHER                     0        0      400
D COMPUTER HORIZONS CORP         COM              205908106       69     5000 SH       SOLE                   5000        0        0
D CONEXANT SYSTEMS INC           COM              207142100       62     1072 SH       SOLE                      0        0     1072
D CONNECTICUT ENERGY CORP        COM              207567108       27      700 SH       SOLE                    700        0        0
D CONSOLIDATED EDISON INC        COM              209115104      168     3720 SH       SOLE                   1720        0     2000
D CONSOLIDATED NAT GAS CO        COM              209615103       24      400 SH       SOLE                    400        0        0
D CONSOLIDATED NAT GAS CO        COM              209615103       12      200 SH       OTHER                   200        0        0
D CONSOLIDATED PAPERS INC        COM              209759109        3      100 SH       OTHER                     0        0      100
D CONSTELLATION ENERGY CORP      COM              210371100       24      800 SH       SOLE                      0        0      800
D COOPER CAMERON CORP            COM              216640102       80     2150 SH       SOLE                   2000        0      150
D COOPER CAMERON CORP            COM              216640102       37     1000 SH       OTHER                  1000        0        0
D COOPER TIRE & RUBR CO          COM              216831107        2      100 SH       OTHER                     0        0      100
D CORDANT TECHNOLOGIES INC       COM              218412104       29      650 SH       SOLE                    650        0        0
D CORN PRODS INTL INC            COM              219023108        4      125 SH       SOLE                    125        0        0
D CORN PRODS INTL INC            COM              219023108        6      200 SH       OTHER                   200        0        0
D CORNING INC                    COM              219350105     1755    25025 SH       SOLE                  12975        0    12050
D CORNING INC                    COM              219350105      281     4000 SH       OTHER                  4000        0        0
D COSTCO COMPANIES INC           COM              22160Q102      334     4175 SH       SOLE                   1200        0     2975
D COUNTRYWIDE CR INDS INC DEL    COM              222372104       30      700 SH       SOLE                    700        0        0
D COVANCE INC                    COM              222816100       31     1300 SH       SOLE                      0        0     1300
D COX COMMUNICATIONS INC NEW     CL A             224044107        5      146 SH       SOLE                      0        0      146
D CROWN CORK & SEAL INC          COM              228255105        2       85 SH       OTHER                     0        0       85
D DQE INC                        COM              23329J104       54     1350 SH       SOLE                    900        0      450
D DTE ENERGY CO                  COM              233331107       12      300 SH       SOLE                      0        0      300
D DTE ENERGY CO                  COM              233331107       12      300 SH       OTHER                   300        0        0
D DANAHER CORP DEL               COM              235851102      110     1900 SH       SOLE                      0        0     1900
D DAYTON HUDSON CORP             COM              239753106       94     1450 SH       SOLE                    875        0      575
D DAYTON HUDSON CORP             COM              239753106      104     1600 SH       OTHER                  1600        0        0
D DELPHI AUTOMOTIVE SYS CORP     COM              247126105       13      698 SH       SOLE                      0        0      698
D DELPHI AUTOMOTIVE SYS CORP     COM              247126105       14      767 SH       OTHER                   558        0      209
D DELTIC TIMBER CORP             COM              247850100       19      714 SH       OTHER                   714        0        0
D DIAL CORP NEW                  COM              25247D101       38     1022 SH       SOLE                     22        0     1000
D DILLARDS INC                   CL A             254067101        3       75 SH       OTHER                     0        0       75
D DISNEY WALT CO                 COM              254687106     2015    65394 SH       SOLE                  17415        0    47979
D DISNEY WALT CO                 COM              254687106      185     6010 SH       OTHER                  5110        0      900
D DOLLAR GEN CORP                COM              256669102        7      250 SH       OTHER                   250        0        0
D DOMINION RES INC VA            COM              257470104       67     1549 SH       SOLE                   1549        0        0
D DOUBLECLICK INC                COM              258609304      421     4590 SH       SOLE                   2975        0     1615
D DOUBLECLICK INC                COM              258609304      110     1200 SH       OTHER                  1200        0        0
D DOVER CORP                     COM              260003108      350    10000 SH       SOLE                      0        0    10000
D DOW CHEM CO                    COM              260543103      546     4300 SH       SOLE                    550        0     3750
D DOW CHEM CO                    COM              260543103      185     1462 SH       OTHER                  1312        0      150
D DU PONT E I DE NEMOURS & CO    COM              263534109     3610    52844 SH       SOLE                  36869        0    15975
D DU PONT E I DE NEMOURS & CO    COM              263534109      951    13925 SH       OTHER                 11325        0     2600
D DUKE ENERGY CORP               COM              264399106       30      555 SH       OTHER                   200        0      355
D DUKE REALTY INVT INC           COM NEW          264411505       33     1450 SH       SOLE                    250        0     1200
D DUKE REALTY INVT INC           COM NEW          264411505       14      600 SH       OTHER                   600        0        0
D E M C CORP MASS                COM              268648102     1691    30750 SH       SOLE                  13375        0    17375
D E M C CORP MASS                COM              268648102      344     6250 SH       OTHER                  6250        0        0
D E TOWN                         COM              269242103       41      900 SH       OTHER                   900        0        0
D EASTMAN CHEM CO                COM              277432100        5      100 SH       SOLE                    100        0        0
D EASTMAN CHEM CO                COM              277432100        4       75 SH       OTHER                     0        0       75
D EASTMAN KODAK CO               COM              277461109       75     1100 SH       SOLE                    700        0      400
D ECHELON INTL CORP              COM              278747100        0       21 SH       SOLE                     20        0        1
D ECHELON INTL CORP              COM              278747100        0       21 SH       OTHER                    21        0        0
D EDISON INTL                    COM              281020107       86     3200 SH       SOLE                   3200        0        0
D EL PASO ENERGY CORP DEL        COM              283905107        3       94 SH       SOLE                      0        0       94
D EMERSON ELEC CO                COM              291011104      865    13750 SH       SOLE                    250        0    13500
D EMERSON ELEC CO                COM              291011104       38      600 SH       OTHER                   600        0        0
D ENBRIDGE INC                   COM              29250N105      117     5096 SH       OTHER                  5096        0        0
D ENERGY EAST CORP               COM              29266M109       31     1200 SH       SOLE                   1200        0        0
D ENRON CORP                     COM              293561106       67      825 SH       SOLE                    150        0      675
D ENRON CORP                     COM              293561106       98     1200 SH       OTHER                  1200        0        0
D ENTRUST TECHNOLOGIES INC       COM              293848107      266     8000 SH       SOLE                   8000        0        0
D EQUITABLE COS INC              COM              29444G107     2454    36625 SH       SOLE                  23950        0    12675
D EQUITABLE COS INC              COM              29444G107      631     9425 SH       OTHER                  7975        0     1450
D EQUITY INCOME FD               UT 1 EX SR-ATT   294700703       21      100 SH       SOLE                      0        0      100
D ERICSSON L M TEL CO            ADR CL B SEK10   294821400       43     1300 SH       SOLE                   1300        0        0
D ERICSSON L M TEL CO            ADR CL B SEK10   294821400      105     3200 SH       OTHER                  3200        0        0
D EXXON CORP                     COM              302290101     9215   119477 SH       SOLE                  49543        0    69934
D EXXON CORP                     COM              302290101     2197    28480 SH       OTHER                 26824        0     1656
D F M C CORP                     COM NEW          302491303        2       30 SH       OTHER                     0        0       30
D FPL GROUP INC                  COM              302571104      240     4400 SH       SOLE                   2400        0     2000
D FPL GROUP INC                  COM              302571104       64     1163 SH       OTHER                   880        0      283
D FAMILY DLR STORES INC          COM              307000109      127     5300 SH       SOLE                   3650        0     1650
D FAMILY DLR STORES INC          COM              307000109       80     3350 SH       OTHER                  3350        0        0
D FDX CORP                       COM              31304N107       22      400 SH       SOLE                    400        0        0
D FDX CORP                       COM              31304N107       43      800 SH       OTHER                   800        0        0
D FEDERAL NATL MTG ASSN          COM              313586109     2553    37400 SH       SOLE                  20500        0    16900
D FEDERAL NATL MTG ASSN          COM              313586109      710    10405 SH       OTHER                  9105        0     1300
D FEDERAL REALTY INVT TR         SH BEN INT NEW   313747206       18      800 SH       SOLE                    400        0      400
D FEDERAL REALTY INVT TR         SH BEN INT NEW   313747206       10      450 SH       OTHER                   450        0        0
D FEDERATED DEPT STORES INC DEL  COM              31410H101        8      150 SH       OTHER                     0        0      150
D FINET COM INC                  COM PAR $0.01    317922300        2      400 SH       SOLE                    200        0      200
D FINOVA GROUP INC               COM              317928109       26      500 SH       SOLE                      0        0      500
D FIRST DATA CORP                COM              319963104     1668    34092 SH       SOLE                   5170        0    28922
D FIRST DATA CORP                COM              319963104       77     1576 SH       OTHER                  1576        0        0
D FIRST TENN NATL CORP           COM              337162101       15      400 SH       SOLE                    400        0        0
D FIRST UN CORP                  COM              337358105      668    14175 SH       SOLE                   7250        0     6925
D FIRST UN CORP                  COM              337358105      245     5200 SH       OTHER                  5200        0        0
D FIRSTENERGY CORP               COM              337932107       41     1312 SH       SOLE                   1312        0        0
D FIRSTENERGY CORP               COM              337932107       17      556 SH       OTHER                     0        0      556
D FLORIDA EAST COAST INDS        COM              340632108      133     3000 SH       SOLE                   3000        0        0
D FLORIDA PROGRESS CORP          COM              341109106      221     5350 SH       SOLE                   4350        0     1000
D FLORIDA PROGRESS CORP          COM              341109106      215     5208 SH       OTHER                  3308        0     1900
D FORD MTR CO DEL                COM              345370100      120     2132 SH       SOLE                   1932        0      200
D FORD MTR CO DEL                COM              345370100       45      800 SH       OTHER                   800        0        0
D FOREST LABS INC                CL A             345838106       93     2000 SH       SOLE                   2000        0        0
D FORTUNE BRANDS INC             COM              349631101       87     2100 SH       SOLE                   1600        0      500
D FOUNDATION HEALTH SYS INC      COM              350404109        1       75 SH       OTHER                     0        0       75
D FRONTIER CORPORATION           COM              35906P105       29      500 SH       SOLE                    500        0        0
D GTE CORP                       COM              362320103      432     5725 SH       SOLE                   5525        0      200
D GTE CORP                       COM              362320103       98     1300 SH       OTHER                  1000        0      300
D GALLAHER GROUP PLC             SPONSORED ADR    363595109       51     2100 SH       SOLE                   1600        0      500
D GANNETT INC                    COM              364730101       43      600 SH       SOLE                    600        0        0
D GENCORP INC                    COM              368682100       20      800 SH       SOLE                    800        0        0
D GENERAL ELEC CO                COM              369604103     9064    80213 SH       SOLE                  63948        0    16265
D GENERAL ELEC CO                COM              369604103     3710    32835 SH       OTHER                 32135        0      700
D GENERAL GROWTH PPTYS INC       COM              370021107      143     4025 SH       SOLE                   1225        0     2800
D GENERAL INSTR CORP DEL         COM              370120107       18      421 SH       SOLE                      0        0      421
D GENERAL MTRS CORP              COM              370442105       66     1000 SH       SOLE                      0        0     1000
D GENERAL MTRS CORP              COM              370442105       73     1100 SH       OTHER                   800        0      300
D GENERAL SEMICONDUCTOR INC      COM              370787103        1      105 SH       SOLE                      0        0      105
D GENUINE PARTS CO               COM              372460105        4      125 SH       OTHER                     0        0      125
D GEORGIA PAC CORP               COM GA PAC GRP   373298108       78     1638 SH       SOLE                   1438        0      200
D GEORGIA PAC CORP               COM-TIMBER GRP   373298702       21      819 SH       SOLE                    719        0      100
D GILLETTE CO                    COM              375766102     1865    45484 SH       SOLE                  25635        0    19849
D GILLETTE CO                    COM              375766102      689    16800 SH       OTHER                 15200        0     1600
D GLAXO WELLCOME PLC             SPONSORED ADR    37733W105       23      400 SH       OTHER                   400        0        0
D GLIATECH INC                   COM              37929C103        5      200 SH       SOLE                    100        0      100
D GLIATECH INC                   COM              37929C103       26     1000 SH       OTHER                  1000        0        0
D GOODYEAR TIRE & RUBR CO        COM              382550101        4       75 SH       OTHER                     0        0       75
D GRACE W R & CO DEL NEW         COM              38388F108       27     1400 SH       SOLE                   1400        0        0
D GTECH HLDGS CORP               COM              400518106       21      900 SH       SOLE                    900        0        0
D GULF CDA RES LTD               ORD              40218L305        8     2000 SH       OTHER                  2000        0        0
D HALLIBURTON CO                 COM              406216101      904    19985 SH       SOLE                   7275        0    12710
D HALLIBURTON CO                 COM              406216101      159     3520 SH       OTHER                  3520        0        0
D JOHN HANCOCK BK &THRIFT OPP FD SH BEN INT       409735107       36     3740 SH       SOLE                   3740        0        0
D HARRIS CORP DEL                COM              413875105       39     1000 SH       OTHER                  1000        0        0
D HARTFORD FINL SVCS GROUP INC   COM              416515104       93     1600 SH       SOLE                    500        0     1100
D HEALTH CARE PPTY INVS INC      COM              421915109        9      300 SH       SOLE                    300        0        0
D HEALTHSOUTH CORP               COM              421924101       30     2000 SH       OTHER                  2000        0        0
D HEARX LTD                      COM              422360107        4    10000 SH       SOLE                      0        0    10000
D HEINZ H J CO                   COM              423074103       15      300 SH       SOLE                    300        0        0
D HEINZ H J CO                   COM              423074103       30      600 SH       OTHER                   600        0        0
D HERCULES INC                   COM              427056106       39     1000 SH       OTHER                  1000        0        0
D HERITAGE US GOVT INCOME FD     SH BEN INT       42725E105       23     2060 SH       SOLE                   2060        0        0
D HERSHEY FOODS CORP             COM              427866108       84     1408 SH       SOLE                   1208        0      200
D HEWLETT PACKARD CO             COM              428236103      246     2450 SH       SOLE                   1000        0     1450
D HEWLETT PACKARD CO             COM              428236103      362     3600 SH       OTHER                  3600        0        0
D HIGHLANDS INS GROUP INC        COM              431032101        3      288 SH       SOLE                      0        0      288
D HOME DEPOT INC                 COM              437076102      282     4370 SH       SOLE                   1900        0     2470
D HOME DEPOT INC                 COM              437076102       13      200 SH       OTHER                   200        0        0
D HONEYWELL INC                  COM              438506107     1156     9976 SH       SOLE                      0        0     9976
D HONEYWELL INC                  COM              438506107       29      250 SH       OTHER                   250        0        0
D HUNTINGTON BANCSHARES INC      COM              446150104      140     3993 SH       SOLE                   3993        0        0
D HYPERION TOTAL RETURN & INCOME COM              449145101        0        9 SH       SOLE                      9        0        0
D ITT INDS INC IND               COM              450911102       40     1050 SH       SOLE                    500        0      550
D IDEXX LABS INC                 COM              45168D104       47     2000 SH       OTHER                  2000        0        0
D IMATION CORP                   COM              45245A107        5      200 SH       OTHER                   200        0        0
D IMMUNE RESPONSE CORP DEL       COM              45252T106        4      700 SH       SOLE                    700        0        0
D INCO LTD                       COM              453258402       45     2500 SH       SOLE                      0        0     2500
D INGERSOLL RAND CO              COM              456866102       48      750 SH       SOLE                    300        0      450
D INSURED MUN INCOME FD          COM              45809F104       14     1060 SH       SOLE                   1060        0        0
D INTEL CORP                     COM              458140100     3371    56655 SH       SOLE                  27180        0    29475
D INTEL CORP                     COM              458140100     1309    22008 SH       OTHER                 18108        0     3900
D INTERNATIONAL BUSINESS MACHS   COM              459200101     1096     8476 SH       SOLE                   7700        0      776
D INTERNATIONAL BUSINESS MACHS   COM              459200101     1320    10210 SH       OTHER                 10160        0       50
D INTERNATIONAL FLAVORS&FRAGRANC COM              459506101       35      800 SH       SOLE                    800        0        0
D INTL PAPER CO                  COM              460146103       15      297 SH       SOLE                      0        0      297
D INTL PAPER CO                  COM              460146103       14      274 SH       OTHER                     0        0      274
D INTERVU INC                    COM              46114R106       11      300 SH       SOLE                    100        0      200
D JOHNSON & JOHNSON              COM              478160104     5065    51682 SH       SOLE                  30600        0    21082
D JOHNSON & JOHNSON              COM              478160104     1612    16450 SH       OTHER                 13550        0     2900
D JOHNSON CTLS INC               COM              478366107       35      500 SH       SOLE                    500        0        0
D KLM ROYAL DUTCH AIRLS          COM N Y REG      482516101        6      200 SH       SOLE                    200        0        0
D KANEB PIPE LINE PARTNERS L P   SR PREF UNIT     484169107       32     1000 SH       SOLE                   1000        0        0
D KEANE INC                      COM              486665102      113     5000 SH       SOLE                   5000        0        0
D KELLEY OIL & GAS CORP          COM              487906109        1     4795 SH       SOLE                      0        0     4795
D KEMPER INTER GOVT TR           SH BEN INT       488413105       35     5000 SH       OTHER                  5000        0        0
D KEMPER MUN INCOME TR           COM SH BEN INT   48842C104       89     7200 SH       SOLE                   3000        0     4200
D KIMBERLY CLARK CORP            COM              494368103       46      800 SH       OTHER                   800        0        0
D KONINKLIJKE PHILIPS ELECTRS NV SPNSRD ADR NEW   500472204       32      322 SH       SOLE                    322        0        0
D KROGER CO                      COM              501044101     1281    22925 SH       SOLE                  14050        0     8875
D KROGER CO                      COM              501044101      235     4200 SH       OTHER                  3700        0      500
D LTV CORP NEW                   COM              501921100        0        1 SH       OTHER                     1        0        0
D LAUDER ESTEE COS INC           CL A             518439104       10      200 SH       SOLE                    200        0        0
D LEAP WIRELESS INTL INC         COM              521863100        7      337 SH       SOLE                     37        0      300
D LEAP WIRELESS INTL INC         COM              521863100        4      175 SH       OTHER                   175        0        0
D LEHMAN BROS HLDGS INC          COM              524908100       31      500 SH       OTHER                   500        0        0
D LEVEL 3 COMMUNICATIONS INC     COM              52729N100       12      200 SH       SOLE                    100        0      100
D LEVIATHAN GAS PIPELINE PARTNRS COM UNIT         527367205       47     2000 SH       SOLE                   2000        0        0
D LIBERTY PPTY TR                SH BEN INT       531172104       35     1400 SH       SOLE                      0        0     1400
D LIBERTY PPTY TR                SH BEN INT       531172104       10      400 SH       OTHER                   400        0        0
D LILLY ELI & CO                 COM              532457108       13      175 SH       SOLE                    175        0        0
D LILLY ELI & CO                 COM              532457108       57      800 SH       OTHER                   400        0      400
D LOEWS CORP                     COM              540424108       16      200 SH       SOLE                    200        0        0
D LOWES COS INC                  COM              548661107       31      550 SH       SOLE                    350        0      200
D LOWES COS INC                  COM              548661107       17      300 SH       OTHER                   300        0        0
D LUBRIZOL CORP                  COM              549271104        2       60 SH       OTHER                     0        0       60
D LUCENT TECHNOLOGIES INC        COM              549463107     1875    27806 SH       SOLE                  19288        0     8518
D LUCENT TECHNOLOGIES INC        COM              549463107     1344    19936 SH       OTHER                 19936        0        0
D MCN ENERGY GROUP INC           COM              55267J100        9      444 SH       SOLE                      0        0      444
D MCI WORLDCOM INC               COM              55268B106     2345    27250 SH       SOLE                  18125        0     9125
D MCI WORLDCOM INC               COM              55268B106      536     6225 SH       OTHER                  5975        0      250
D MFS CHARTER INCOME TR          SH BEN INT       552727109       27     3000 SH       SOLE                      0        0     3000
D MFS INTER INCOME TR            SH BEN INT       55273C107       16     2500 SH       OTHER                  2500        0        0
D MARK IV INDS INC               COM              570387100       10      486 SH       OTHER                   486        0        0
D MARSH & MCLENNAN COS INC       COM              571748102      473     6250 SH       SOLE                   6250        0        0
D MARSH & MCLENNAN COS INC       COM              571748102      409     5400 SH       OTHER                  5400        0        0
D MATTEL INC                     COM              577081102       89     3400 SH       SOLE                      0        0     3400
D MAY DEPT STORES CO             COM              577778103      216     5284 SH       SOLE                   4234        0     1050
D MAY DEPT STORES CO             COM              577778103        6      150 SH       OTHER                     0        0      150
D MCDONALDS CORP                 COM              580135101     1489    36210 SH       SOLE                  24260        0    11950
D MCDONALDS CORP                 COM              580135101      411     9990 SH       OTHER                  8090        0     1900
D MCKESSON HBOC INC              COM              58155Q103       10      300 SH       OTHER                   300        0        0
D MCLEODUSA INC                  COM              582266102       98     1775 SH       SOLE                   1575        0      200
D MCLEODUSA INC                  COM              582266102       18      325 SH       OTHER                   325        0        0
D MEAD CORP                      COM              582834107        4      100 SH       OTHER                     0        0      100
D MEDIAONE GROUP INC             COM              58440J104       64      867 SH       SOLE                      3        0      864
D MEDIAONE GROUP INC             COM              58440J104       80     1080 SH       OTHER                  1080        0        0
D MEDTRONIC INC                  COM              585055106     1424    18291 SH       SOLE                  10076        0     8215
D MEDTRONIC INC                  COM              585055106      339     4350 SH       OTHER                  4350        0        0
D MELLON BK CORP                 COM              585509102       36     1000 SH       SOLE                      0        0     1000
D MENTOR INCOME FD INC           COM              587204108       74     8980 SH       SOLE                   8980        0        0
D MERCK & CO INC                 COM              589331107     4149    56350 SH       SOLE                  27950        0    28400
D MERCK & CO INC                 COM              589331107     1458    19800 SH       OTHER                 19800        0        0
D MERITOR AUTOMOTIVE INC         COM              59000G100       18      714 SH       SOLE                      0        0      714
D MERRILL LYNCH & CO INC         COM              590188108      127     1600 SH       OTHER                  1600        0        0
D MESABI TR                      CTF BEN INT      590672101        1      200 SH       SOLE                      0        0      200
D METROMEDIA FIBER NETWORK INC   CL A             591689104      729    20275 SH       SOLE                   9575        0    10700
D METROMEDIA FIBER NETWORK INC   CL A             591689104      244     6800 SH       OTHER                  6800        0        0
D MICROSOFT CORP                 COM              594918104      532     5900 SH       SOLE                   3000        0     2900
D MICROSOFT CORP                 COM              594918104      361     4000 SH       OTHER                  4000        0        0
D MIDLAND BK PLC                 SPNSRD ADR A1    597433309       10      400 SH       OTHER                   400        0        0
D MILLENNIUM CHEMICALS INC       COM              599903101        1       50 SH       OTHER                     0        0       50
D MILLIPORE CORP                 COM              601073109     4056   100000 SH       SOLE                 100000        0        0
D MINIMED INC                    COM              60365K108      716     9300 SH       SOLE                   4100        0     5200
D MINIMED INC                    COM              60365K108       12      150 SH       OTHER                   150        0        0
D MINNESOTA MNG & MFG CO         COM              604059105       43      500 SH       SOLE                    200        0      300
D MINNESOTA MNG & MFG CO         COM              604059105       87     1000 SH       OTHER                  1000        0        0
D MOBIL CORP                     COM              607059102     3659    37057 SH       SOLE                  26950        0    10107
D MOBIL CORP                     COM              607059102      948     9600 SH       OTHER                  8000        0     1600
D MONSANTO CO                    COM              611662107     1852    46807 SH       SOLE                  26925        0    19882
D MONSANTO CO                    COM              611662107      400    10100 SH       OTHER                  9300        0      800
D MONTANA POWER CO               COM              612085100       99     1400 SH       SOLE                   1000        0      400
D MONY GROUP INC                 COM              615337102        1       16 SH       OTHER                    16        0        0
D MORGAN J P & CO INC            COM              616880100      285     2025 SH       SOLE                   1425        0      600
D MORGAN J P & CO INC            COM              616880100      169     1200 SH       OTHER                  1200        0        0
D MORGAN STANLEY HIGH YIELD FD   COM              61744M104       32     2000 SH       OTHER                  2000        0        0
D MORGAN STANLEY DEAN WITTER&CO  COM NEW          617446448     4266    41565 SH       SOLE                  12290        0    29275
D MORGAN STANLEY DEAN WITTER&CO  COM NEW          617446448      754     7350 SH       OTHER                  6550        0      800
D MORGAN STANLEY DEAN WITTER     MUN PREM INCOM   61745P429       42     4900 SH       SOLE                   4900        0        0
D MORGAN STANLEY DEAN WITTER     QUALT MUN INCM   61745P734       34     2300 SH       SOLE                   2300        0        0
D MORGAN STANLEY DEAN WITTER     INSD MUN TR      61745P866       58     3956 SH       SOLE                   3956        0        0
D MORGAN STANLEY DEAN WITTER     INCOME SEC INC   61745P874        8      500 SH       SOLE                      0        0      500
D MOTOROLA INC                   COM              620076109      445     4700 SH       SOLE                   4700        0        0
D MOTOROLA INC                   COM              620076109       47      500 SH       OTHER                   500        0        0
D MUNIHOLDINGS N Y INSD FD INC   COM              625931100        3      200 SH       SOLE                      0        0      200
D MUNIHOLDINGS N Y FD INC        COM              625932108       11      800 SH       SOLE                      0        0      800
D MUNIHOLDINGS FLA INSD FD II    COM              625934104       19     1500 SH       SOLE                   1500        0        0
D MUNIHOLDINGS FLA INSD FD IV    SH BEN INT       625937107       45     3364 SH       SOLE                   3364        0        0
D MUNIHOLDINGS FLA INSD FD       COM              62624W105       22     1666 SH       SOLE                   1666        0        0
D MUNIHOLDINGS FLA INSD FD III   SH BEN INT       62624Y101       42     3332 SH       SOLE                   3332        0        0
D MUNIVEST FLA FD                COM              626293104       47     3800 SH       SOLE                   3800        0        0
D MUNIYIELD FLA FD               COM              626297105       30     2206 SH       OTHER                   206        0     2000
D MUNIYIELD FD INC               COM              626299101      167    11598 SH       OTHER                 11598        0        0
D MUNIYIELD QUALITY FD INC       COM              626302103       26     1928 SH       SOLE                   1928        0        0
D MURPHY OIL CORP                COM              626717102       98     2000 SH       OTHER                  2000        0        0
D NCR CORP NEW                   COM              62886E108       82     1680 SH       SOLE                   1537        0      143
D NCR CORP NEW                   COM              62886E108       10      205 SH       OTHER                   205        0        0
D NABISCO HLDGS CORP             CL A             629526104        9      200 SH       SOLE                    200        0        0
D NALCO CHEM CO                  COM              629853102        3       50 SH       OTHER                     0        0       50
D NATIONAL CITY CORP             COM              635405103       92     1400 SH       SOLE                    600        0      800
D NATIONAL CITY CORP             COM              635405103       66     1000 SH       OTHER                   400        0      600
D NATIONAL SVC INDS INC          COM              637657107       47     1300 SH       SOLE                   1300        0        0
D NEVADA POWER CO                COM              641423108       18      700 SH       SOLE                      0        0      700
D NEW CENTURY ENERGIES INC       COM              64352U103       55     1425 SH       SOLE                   1425        0        0
D NEWELL RUBBERMAID INC          COM              651229106       11      236 SH       SOLE                    236        0        0
D NEWELL RUBBERMAID INC          COM              651229106        9      200 SH       OTHER                     0        0      200
D NEXTEL COMMUNICATIONS INC      CL A             65332V103      323     6430 SH       SOLE                   1805        0     4625
D NEXTEL COMMUNICATIONS INC      CL A             65332V103       75     1500 SH       OTHER                  1500        0        0
D NICOR INC                      COM              654086107       48     1274 SH       OTHER                  1274        0        0
D NISOURCE INC                   COM              65473P105       10      400 SH       SOLE                      0        0      400
D NOKIA CORP                     SPONSORED ADR    654902204     4425    48325 SH       SOLE                  27655        0    20670
D NOKIA CORP                     SPONSORED ADR    654902204     1387    15150 SH       OTHER                 14150        0     1000
D NORAM ENERGY CORP              SUB DEB CV  6%12 655419AC3       14    15000 PRN      OTHER                 15000        0        0
D NORFOLK SOUTHERN CORP          COM              655844108      151     5000 SH       SOLE                   5000        0        0
D NORFOLK SOUTHERN CORP          COM              655844108      203     6744 SH       OTHER                  6444        0      300
D NORTH CAROLINA NAT GAS CORP    COM              658221106       61     1800 SH       SOLE                   1800        0        0
D NORTH CAROLINA NAT GAS CORP    COM              658221106       15      450 SH       OTHER                   450        0        0
D NORTHWEST AIRLS CORP           CL A             667280101       24      750 SH       SOLE                    750        0        0
D NUVEEN INVT QUALITY MUN FD INC COM              67062E103        8      500 SH       OTHER                   500        0        0
D NUVEEN PREM INCOME MUN FD      COM              67062T100       43     3000 SH       SOLE                   3000        0        0
D NUVEEN N Y INVT QUALITY MUN FD COM              67062X101       16     1000 SH       OTHER                     0        0     1000
D NUVEEN PREM INCOME MUN FD 2    COM              67063W102       32     2000 SH       SOLE                   2000        0        0
D NUVEEN DIVID ADVANTAGE MUN FD  COM              67066V101       26     1750 SH       SOLE                   1750        0        0
D OGE ENERGY CORP                COM              670837103       29     1200 SH       SOLE                      0        0     1200
D OGE ENERGY CORP                COM              670837103       29     1200 SH       OTHER                     0        0     1200
D NUVEEN MUN VALUE FD INC        COM              670928100       28     3000 SH       SOLE                   3000        0        0
D NUVEEN MUN VALUE FD INC        COM              670928100        9     1000 SH       OTHER                  1000        0        0
D NUVEEN FLA INVT QUALITY MUN FD COM              670970102       46     2900 SH       SOLE                   2900        0        0
D NUVEEN QUALITY INCOME MUN FD   COM              670977107      128     8216 SH       SOLE                   8216        0        0
D NUVEEN INSD MUN OPPORTUNITY FD COM              670984103       57     3800 SH       SOLE                   3800        0        0
D NUVEEN PREMIER INSD MUN INCOME COM              670987106       10      667 SH       OTHER                   667        0        0
D NUVEEN INSD FLA PREM INCOME FD COM              67101V108       29     2000 SH       SOLE                   2000        0        0
D OAKWOOD HOMES CORP             COM              674098108       18     1400 SH       SOLE                   1400        0        0
D OCCIDENTAL PETE CORP DEL       COM              674599105       21     1000 SH       SOLE                      0        0     1000
D OCCIDENTAL PETE CORP DEL       COM              674599105       12      550 SH       OTHER                   300        0      250
D OFFICE DEPOT INC               COM              676220106       26     1200 SH       OTHER                  1200        0        0
D OLD REP INTL CORP              COM              680223104        2      100 SH       OTHER                     0        0      100
D 1-800 CONTACTS INC             COM              681977104       38     2000 SH       OTHER                  2000        0        0
D ONEIDA LTD                     COM              682505102       42     1500 SH       OTHER                     0        0     1500
D ORACLE CORP                    COM              68389X105      157     4225 SH       SOLE                   3825        0      400
D ORANGE & ROCKLAND UTILS INC    COM              684065105      104     1785 SH       SOLE                   1585        0      200
D ORANGE & ROCKLAND UTILS INC    COM              684065105       29      500 SH       OTHER                     0        0      500
D OWENS CORNING                  COM              69073F103        2       50 SH       OTHER                     0        0       50
D OWENS ILL INC                  COM NEW          690768403        5      150 SH       OTHER                     0        0      150
D PG&E CORP                      COM              69331C108       32     1000 SH       SOLE                   1000        0        0
D P P & L RES INC                COM              693499105        9      299 SH       SOLE                    299        0        0
D PPG INDS INC                   COM              693506107       32      550 SH       SOLE                    550        0        0
D PACIFICORP                     COM              695114108       16      850 SH       OTHER                   850        0        0
D PAINE WEBBER GROUP INC         COM              695629105       30      650 SH       OTHER                   650        0        0
D PALL CORP                      COM              696429307       11      500 SH       OTHER                     0        0      500
D PARKER HANNIFIN CORP           COM              701094104      515    11250 SH       SOLE                  11250        0        0
D PENNEY J C INC                 COM              708160106       10      200 SH       SOLE                    200        0        0
D PENNEY J C INC                 COM              708160106        8      165 SH       OTHER                     0        0      165
D PEOPLES ENERGY CORP            COM              711030106       11      300 SH       OTHER                   300        0        0
D PEPSICO INC                    COM              713448108     1052    27180 SH       SOLE                   7920        0    19260
D PEPSICO INC                    COM              713448108      180     4650 SH       OTHER                  4350        0      300
D PHARMACIA & UPJOHN INC         COM              716941109       93     1635 SH       SOLE                   1210        0      425
D PHARMACIA & UPJOHN INC         COM              716941109       17      300 SH       OTHER                   300        0        0
D PFIZER INC                     COM              717081103     1642    15060 SH       SOLE                  11160        0     3900
D PFIZER INC                     COM              717081103     1147    10525 SH       OTHER                 10525        0        0
D PHELPS DODGE CORP              COM              717265102       15      250 SH       SOLE                    250        0        0
D PHILIP MORRIS COS INC          COM              718154107      455    11333 SH       SOLE                   2833        0     8500
D PHILIP MORRIS COS INC          COM              718154107       10      250 SH       OTHER                     0        0      250
D PHYCOR INC                     COM              71940F100        2      300 SH       OTHER                   300        0        0
D PLUM CREEK TIMBER CO LP        DEPOSITARY UNT   729237107       19      600 SH       SOLE                    600        0        0
D POTOMAC ELEC PWR CO            COM              737679100       87     2950 SH       SOLE                   2950        0        0
D PRAXAIR INC                    COM              74005P104        7      150 SH       OTHER                     0        0      150
D PREFERRED INCOME FD INC        COM              74037G106       19     1376 SH       OTHER                  1376        0        0
D PREMARK INTL INC               COM              740459102       11      300 SH       SOLE                      0        0      300
D PRICE COMMUNICATIONS CORP      COM NEW          741437305       46     3050 SH       OTHER                  3050        0        0
D PRIMARK CORP                   COM              741903108        6      224 SH       SOLE                      0        0      224
D PROCTER & GAMBLE CO            COM              742718109     2572    28815 SH       SOLE                  17545        0    11270
D PROCTER & GAMBLE CO            COM              742718109      578     6475 SH       OTHER                  5875        0      600
D PROVIDIAN FINL CORP            COM              74406A102       75      800 SH       SOLE                    800        0        0
D PROVIDIAN FINL CORP            COM              74406A102       79      850 SH       OTHER                   850        0        0
D PUBLIC SVC ENTERPRISE GROUP    COM              744573106      450    11024 SH       SOLE                   8474        0     2550
D PUTNAM HIGH INCOME CONV&BD FD  SH BEN INT       746779107        9     1000 SH       SOLE                      0        0     1000
D PUTNAM PREMIER INCOME TR       SH BEN INT       746853100       16     2000 SH       SOLE                      0        0     2000
D QUALCOMM INC                   COM              747525103      129      900 SH       SOLE                    300        0      600
D QUALCOMM INC                   COM              747525103      201     1400 SH       OTHER                  1400        0        0
D QUEST DIAGNOSTICS INC          COM              74834L100       45     1650 SH       SOLE                    600        0     1050
D QWEST COMMUNICATIONS INTL INC  COM              749121109      309     9350 SH       SOLE                   5850        0     3500
D QWEST COMMUNICATIONS INTL INC  COM              749121109      112     3400 SH       OTHER                  3200        0      200
D RAYONIER INC                   COM              754907103        7      137 SH       SOLE                      0        0      137
D RAYTHEON CO                    CL A             755111309        4       63 SH       SOLE                      0        0       63
D RAYTHEON CO                    CL A             755111309        2       25 SH       OTHER                    25        0        0
D RAYTHEON CO                    CL B             755111408       35      500 SH       SOLE                    500        0        0
D RAYTHEON CO                    CL B             755111408      282     4000 SH       OTHER                  4000        0        0
D RELIANT ENERGY INC             COM              75952J108      457    16550 SH       SOLE                   4850        0    11700
D RELIANT ENERGY INC             COM              75952J108       66     2400 SH       OTHER                  2400        0        0
D REPUBLIC N Y CORP              COM              760719104        7      100 SH       OTHER                     0        0      100
D REPUBLIC SECURITY FINL CORP    COM              760758102       52     6194 SH       SOLE                   5194        0     1000
D REXALL SUNDOWN INC             COM              761648104       18     1500 SH       OTHER                  1500        0        0
D REYNOLDS R J TOB HLDGS INC     COM              76182K105        1       33 SH       OTHER                     0        0       33
D ROCHESTER GAS & ELEC CORP      COM              771367109       11      400 SH       SOLE                      0        0      400
D ROCHESTER GAS & ELEC CORP      COM              771367109       40     1500 SH       OTHER                  1500        0        0
D ROCKWELL INTL CORP NEW         COM              773903109      130     2144 SH       SOLE                      0        0     2144
D ROHM & HAAS CO                 COM              775371107       47     1106 SH       OTHER                  1106        0        0
D ROPER INDS INC NEW             COM              776696106      640    20000 SH       SOLE                      0        0    20000
D ROYAL DUTCH PETE CO            NY REG GLD1.25   780257804      539     8949 SH       SOLE                   6949        0     2000
D ROYAL DUTCH PETE CO            NY REG GLD1.25   780257804      250     4150 SH       OTHER                  3150        0     1000
D RYERSON TULL INC NEW           COM              78375P107       19      850 SH       SOLE                    850        0        0
D SBC COMMUNICATIONS INC         COM              78387G103      532     9176 SH       SOLE                   2474        0     6702
D SBC COMMUNICATIONS INC         COM              78387G103      593    10219 SH       OTHER                 10219        0        0
D SLM HLDG CORP                  COM              78442A109       25      550 SH       SOLE                    550        0        0
D SABRE GROUP HLDGS INC          CL A             785905100     1100    16000 SH       SOLE                      0        0    16000
D ST JOE CO                      COM              790148100      155     5750 SH       SOLE                   5750        0        0
D SALOMON BROTHERS FD INC        COM              795477108       36     1815 SH       SOLE                   1815        0        0
D SAP AKTIENGESELLSCHAFT         SPONSORED ADR    803054204      156     4500 SH       SOLE                      0        0     4500
D SARA LEE CORP                  COM              803111103       14      600 SH       SOLE                    600        0        0
D SARA LEE CORP                  COM              803111103      195     8600 SH       OTHER                  8000        0      600
D SCANA CORP                     COM              805898103        6      275 SH       SOLE                      0        0      275
D SCANA CORP                     COM              805898103       31     1336 SH       OTHER                  1336        0        0
D SCHERING PLOUGH CORP           COM              806605101      698    13300 SH       SOLE                      0        0    13300
D SCHERING PLOUGH CORP           COM              806605101      305     5800 SH       OTHER                  5800        0        0
D SCHLUMBERGER LTD               COM              806857108      680    10675 SH       SOLE                   5750        0     4925
D SCHLUMBERGER LTD               COM              806857108       57      900 SH       OTHER                   900        0        0
D SCHWAB CHARLES CORP NEW        COM              808513105     1643    15075 SH       SOLE                   8850        0     6225
D SCHWAB CHARLES CORP NEW        COM              808513105      202     1850 SH       OTHER                  1850        0        0
D SEACOAST BKG CORP FLA          CL A             811707108       27      900 SH       OTHER                   900        0        0
D SEAGATE TECHNOLOGY             COM              811804103        4      150 SH       OTHER                     0        0      150
D SEAGRAM LTD                    COM              811850106       81     1600 SH       SOLE                   1200        0      400
D SEAGRAM LTD                    COM              811850106       25      500 SH       OTHER                   500        0        0
D SEAGRAM LTD                    PFD ADJ CV SEC   811850205       45      900 SH       OTHER                   900        0        0
D SEALED AIR CORP NEW            PFD CV A $2      81211K209       42      665 SH       SOLE                    665        0        0
D SEARS ROEBUCK & CO             COM              812387108        7      150 SH       SOLE                    150        0        0
D SEARS ROEBUCK & CO             COM              812387108        2       50 SH       OTHER                     0        0       50
D SEMPRA ENERGY                  COM              816851109       32     1400 SH       SOLE                      0        0     1400
D SHERWIN WILLIAMS CO            COM              824348106      913    32918 SH       SOLE                      0        0    32918
D SIGMA ALDRICH CORP             COM              826552101       34     1000 SH       OTHER                  1000        0        0
D SMITHKLINE BEECHAM PLC         ADR REP ORD      832378301      782    11832 SH       SOLE                    800        0    11032
D SOLECTRON CORP                 COM              834182107     3082    46210 SH       SOLE                  26310        0    19900
D SOLECTRON CORP                 COM              834182107      574     8600 SH       OTHER                  6500        0     2100
D SOLUTIA INC                    COM              834376105       27     1246 SH       SOLE                     80        0     1166
D SOLUTIA INC                    COM              834376105        1       60 SH       OTHER                    60        0        0
D SONOCO PRODS CO                COM              835495102       99     3300 SH       SOLE                      0        0     3300
D SONOCO PRODS CO                COM              835495102        2       70 SH       OTHER                     0        0       70
D SONY CORP                      ADR NEW          835699307       33      300 SH       SOLE                    300        0        0
D SOUTHERN CO                    COM              842587107      153     5774 SH       SOLE                   3174        0     2600
D SOUTHERN CO                    COM              842587107       42     1590 SH       OTHER                  1590        0        0
D SPRINT CORP                    COM FON GROUP    852061100      191     3600 SH       SOLE                   3600        0        0
D SPRINT CORP                    COM FON GROUP    852061100      350     6600 SH       OTHER                  6600        0        0
D SPRINT CORP                    PCS COM SER 1    852061506       63     1100 SH       SOLE                   1100        0        0
D SPRINT CORP                    PCS COM SER 1    852061506       86     1500 SH       OTHER                  1500        0        0
D STARWOOD HOTELS&RESORTS WRLDWD PAIRED CTF       85590A203       29      933 SH       SOLE                    229        0      704
D STERLING COMM INC              COM              859205106       37     1000 SH       OTHER                  1000        0        0
D SUMMIT BANCORP                 COM              866005101      115     2750 SH       SOLE                      0        0     2750
D SUN MICROSYSTEMS INC           COM              866810104      238     3450 SH       SOLE                   2550        0      900
D SUN MICROSYSTEMS INC           COM              866810104       86     1250 SH       OTHER                  1250        0        0
D SUNGARD DATA SYS INC           COM              867363103        7      200 SH       SOLE                      0        0      200
D SYSCO CORP                     COM              871829107       24      800 SH       OTHER                   800        0        0
D TCW CONV SECS FD INC           COM              872340104       29     2900 SH       SOLE                   2900        0        0
D TECO ENERGY INC                COM              872375100       14      600 SH       OTHER                   600        0        0
D TECH DATA CORP                 COM              878237106        4      100 SH       OTHER                     0        0      100
D TELEFONICA S A                 SPONSORED ADR    879382208     1227     8342 SH       SOLE                   4861        0     3481
D TELEFONICA S A                 SPONSORED ADR    879382208      245     1663 SH       OTHER                  1143        0      520
D TELEFONOS DE MEXICO S A        SPNS ADR ORD L   879403780       24      300 SH       SOLE                    300        0        0
D TELLABS INC                    COM              879664100       41      600 SH       SOLE                    600        0        0
D TEXACO INC                     COM              881694103      925    14822 SH       SOLE                    400        0    14422
D TEXACO INC                     COM              881694103      119     1900 SH       OTHER                  1600        0      300
D TEXAS INSTRS INC               COM              882508104      864     6000 SH       SOLE                      0        0     6000
D TEXAS UTILS CO                 COM              882848104      290     7000 SH       SOLE                   4700        0     2300
D TEXAS UTILS CO                 COM              882848104       78     1879 SH       OTHER                   500        0     1379
D TEXTRON INC                    COM              883203101       33      400 SH       SOLE                    400        0        0
D THERMO ELECTRON CORP           COM              883556102      226    11285 SH       SOLE                  11285        0        0
D THERMO ELECTRON CORP           COM              883556102       16      800 SH       OTHER                   800        0        0
D THOMAS & BETTS CORP            COM              884315102       47     1000 SH       OTHER                     0        0     1000
D TIDEWATER INC                  COM              886423102        5      150 SH       SOLE                      0        0      150
D TIME WARNER INC                COM              887315109      102     1400 SH       SOLE                    400        0     1000
D TIME WARNER INC                COM              887315109       36      500 SH       OTHER                   500        0        0
D TRICON GLOBAL RESTAURANTS      COM              895953107      153     2822 SH       SOLE                    410        0     2412
D TRIQUINT SEMICONDUCTOR INC     COM              89674K103      114     2000 SH       OTHER                  2000        0        0
D TUPPERWARE CORP                COM              899896104        8      300 SH       SOLE                      0        0      300
D TYCO INTL LTD NEW              COM              902124106      711     7507 SH       SOLE                      0        0     7507
D TYSON FOODS INC                CL A             902494103        3      125 SH       OTHER                     0        0      125
D USX MARATHON GROUP             PFD CONV 6.50%   902905819       64     1300 SH       SOLE                   1300        0        0
D U S B HLDG INC                 COM              902910108       19     1242 SH       OTHER                     0        0     1242
D UNUM CORP                      COM              903192102      667    12175 SH       SOLE                   6050        0     6125
D UNUM CORP                      COM              903192102      134     2450 SH       OTHER                  2450        0        0
D UNION CARBIDE CORP             COM              905581104       20      400 SH       SOLE                    400        0        0
D UNION CARBIDE CORP             COM              905581104        5      100 SH       OTHER                     0        0      100
D UNION PAC CORP                 COM              907818108       93     1600 SH       SOLE                   1000        0      600
D UNION PAC RES GROUP INC        COM              907834105       11      677 SH       SOLE                      0        0      677
D UNISYS CORP                    COM              909214108       14      358 SH       OTHER                   358        0        0
D UNISYS CORP                    PFD A CV $3.75   909214207       19      285 SH       OTHER                   285        0        0
D U S WEST INC NEW               COM              91273H101       76     1302 SH       SOLE                    129        0     1173
D U S WEST INC NEW               COM              91273H101       83     1409 SH       OTHER                  1409        0        0
D UNITED TECHNOLOGIES CORP       COM              913017109      117     1628 SH       SOLE                   1628        0        0
D UNITED WTR RES INC             COM              913190104      170     7500 SH       SOLE                   7500        0        0
D UNITED WTR RES INC             COM              913190104       96     4218 SH       OTHER                  4218        0        0
D UNOCAL CORP                    COM              915289102       82     2064 SH       SOLE                   2064        0        0
D V F CORP                       COM              918204108       19      450 SH       SOLE                    450        0        0
D V F CORP                       COM              918204108        3       75 SH       OTHER                     0        0       75
D VAN KAMPEN TR INVT GRADE MUNS  COM              920929106       23     1500 SH       SOLE                   1500        0        0
D VAN KAMPEN INCOME TR           SH BEN INT       920957107       21     3000 SH       OTHER                  3000        0        0
D VAN KAMPEN VALUE MUN INCOME TR COM              921132106        9      667 SH       SOLE                    667        0        0
D VERTEX PHARMACEUTICALS INC     COM              92532F100       24     1000 SH       OTHER                  1000        0        0
D VIAD CORP                      COM              92552R109       31     1000 SH       SOLE                      0        0     1000
D VLASIC FOODS INTL INC          COM              928559103        4      500 SH       OTHER                   500        0        0
D VOYAGEUR FLA INSD MUN INCOME   SH BEN INT       928926104       10      700 SH       SOLE                    700        0        0
D VULCAN MATLS CO                COM              929160109      157     3250 SH       OTHER                     0        0     3250
D WICOR INC                      COM              929253102       17      600 SH       OTHER                   600        0        0
D WPS RESOURCES CORP             COM              92931B106       26      850 SH       SOLE                    850        0        0
D WPS RESOURCES CORP             COM              92931B106       41     1350 SH       OTHER                  1350        0        0
D WACHOVIA CORP                  COM              929771103       86     1000 SH       OTHER                  1000        0        0
D WAL MART STORES INC            COM              931142103       43      900 SH       SOLE                    550        0      350
D WAL MART STORES INC            COM              931142103      116     2400 SH       OTHER                  2400        0        0
D WALGREEN CO                    COM              931422109       47     1600 SH       SOLE                    600        0     1000
D WALGREEN CO                    COM              931422109      823    28000 SH       OTHER                 28000        0        0
D WELLS FARGO & CO NEW           COM              949746101       79     1842 SH       SOLE                      0        0     1842
D WESTVACO CORP                  COM              961548104        3      100 SH       OTHER                     0        0      100
D WEYERHAEUSER CO                COM              962166104       21      300 SH       SOLE                    300        0        0
D WEYERHAEUSER CO                COM              962166104       41      600 SH       OTHER                   600        0        0
D WILLIAMS COS INC DEL           COM              969457100     2438    57269 SH       SOLE                  31924        0    25345
D WILLIAMS COS INC DEL           COM              969457100      737    17325 SH       OTHER                 13325        0     4000
D WILLIAMS SONOMA INC            COM              969904101     1167    33525 SH       SOLE                  22375        0    11150
D WILLIAMS SONOMA INC            COM              969904101      178     5100 SH       OTHER                  5100        0        0
D WISCONSIN ENERGY CORP          COM              976657106        5      200 SH       SOLE                    200        0        0
D WISCONSIN ENERGY CORP          COM              976657106        3      100 SH       OTHER                     0        0      100
D WRIGLEY WM JR CO               COM              982526105       13      150 SH       OTHER                   150        0        0
D XEROX CORP                     COM              984121103     1304    22080 SH       SOLE                  15630        0     6450
D XEROX CORP                     COM              984121103      346     5850 SH       OTHER                  4850        0     1000
D YAHOO INC                      COM              984332106      424     2460 SH       SOLE                   1495        0      965
D YAHOO INC                      COM              984332106       66      385 SH       OTHER                   385        0        0
S REPORT SUMMARY                654 DATA RECORDS              218044            0 OTHER MANAGERS ON WHOSE BEHALF REPORT IS FILED
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