BANK OF NEW YORK TRUST CO OF FLORIDA N A
13F-HR, 2000-01-20
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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: 12/31/1999

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
                              12/31/1999

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 BRILLIANCE CHINA AUTO HLDG LTD COM              G1368B102        2      750 SH       OTHER                   750        0        0
D GLOBAL CROSSING LTD            COM              G3921A100       91     1825 SH       SOLE                   1025        0      800
D GLOBALSTAR TELECOMMUNICTNS LTD COM              G3930H104       44     1000 SH       SOLE                    100        0      900
D LORAL SPACE & COMMUNICATIONS   COM              G56462107       41     1700 SH       SOLE                    600        0     1100
D TRANSOCEAN OFFSHORE INC CAYMON ORD              G90076103       40     1200 SH       OTHER                  1200        0        0
D ACM MANAGED INCOME FD INC      COM              000919100       26     4500 SH       SOLE                   4500        0        0
D AFLAC INC                      COM              001055102       19      400 SH       SOLE                    400        0        0
D AT&T CORP                      COM              001957109      424     8342 SH       SOLE                   3198        0     5144
D AT&T CORP                      COM              001957109      341     6705 SH       OTHER                  6705        0        0
D AT&T CORP                      COM LIB GRP A    001957208      207     3652 SH       SOLE                      0        0     3652
D AT&T CORP                      COM LIB GRP A    001957208       87     1540 SH       OTHER                  1540        0        0
D AT & T CDA INC                 DEPS RCPT CL B   00207Q202     1516    37666 SH       SOLE                  17766        0    19900
D AT & T CDA INC                 DEPS RCPT CL B   00207Q202      423    10500 SH       OTHER                  9000        0     1500
D AXA FINL INC                   COM              002451102     2424    71300 SH       SOLE                  48350        0    22950
D AXA FINL INC                   COM              002451102      600    17650 SH       OTHER                 14750        0     2900
D ABBOTT LABS                    COM              002824100      131     3600 SH       SOLE                   3400        0      200
D ABBOTT LABS                    COM              002824100       22      600 SH       OTHER                   600        0        0
D ABERCROMBIE & FITCH CO         CL A             002896207       11      400 SH       SOLE                      0        0      400
D ADAMS EXPRESS CO               COM              006212104       46     1364 SH       SOLE                      0        0     1364
D AEGON N V                      ORD AMER REG     007924103       73      760 SH       SOLE                    608        0      152
D AETNA INC                      COM              008117103       18      327 SH       SOLE                    300        0       27
D AETNA INC                      COM              008117103       25      450 SH       OTHER                   400        0       50
D AGILENT TECHNOLOGIES INC       COM              00846U101       39      500 SH       OTHER                   500        0        0
D AIR PRODS & CHEMS INC          COM              009158106       27      800 SH       SOLE                    800        0        0
D ALCAN ALUMINIUM LTD NEW        COM              013716105       19      450 SH       OTHER                     0        0      450
D ALCOA INC                      COM              013817101      190     2284 SH       OTHER                  2284        0        0
D ALLEGHENY ENERGY INC           COM              017361106       30     1100 SH       SOLE                   1100        0        0
D ALLEGIANCE TELECOM INC         COM              01747T102     1802    19538 SH       SOLE                  12188        0     7350
D ALLEGIANCE TELECOM INC         COM              01747T102      383     4150 SH       OTHER                  4150        0        0
D ALLERGAN INC                   COM              018490102       38      758 SH       SOLE                      0        0      758
D ALLERGAN SPECIALTY THERAP      CL A             018494104        0       18 SH       SOLE                      0        0       18
D ALLIANT TECHSYSTEMS INC        COM              018804104       39      623 SH       SOLE                      0        0      623
D ALLMERICA FINL CORP            COM              019754100       19      340 SH       SOLE                      0        0      340
D ALLSTATE CORP                  COM              020002101      116     4800 SH       SOLE                    800        0     4000
D ALLSTATE CORP                  COM              020002101       31     1308 SH       OTHER                  1124        0      184
D ALLTEL CORP                    COM              020039103       61      740 SH       OTHER                   740        0        0
D ALTERA CORP                    COM              021441100       99     2000 SH       OTHER                  2000        0        0
D AMEREN CORP                    COM              023608102       10      300 SH       SOLE                      0        0      300
D AMEREN CORP                    COM              023608102       26      800 SH       OTHER                   800        0        0
D AMERICA ONLINE INC DEL         COM              02364J104     1090    14363 SH       SOLE                   9548        0     4815
D AMERICA ONLINE INC DEL         COM              02364J104      201     2650 SH       OTHER                  2550        0      100
D AMERICAN ELEC PWR INC          COM              025537101       34     1072 SH       SOLE                    350        0      722
D AMERICAN ELEC PWR INC          COM              025537101       60     1868 SH       OTHER                  1768        0      100
D AMERICAN EXPRESS CO            COM              025816109     2091    12575 SH       SOLE                    575        0    12000
D AMERICAN GENERAL CORP          COM              026351106        4       50 SH       OTHER                     0        0       50
D AMERICAN HOME PRODS CORP       COM              026609107      582    14840 SH       SOLE                   6200        0     8640
D AMERICAN HOME PRODS CORP       COM              026609107      188     4800 SH       OTHER                  4600        0      200
D AMERICAN INSD MTG INVS L P 86  DEPOSITORY UNIT  02686F103        4      821 SH       SOLE                    821        0        0
D AMERICAN INTL GROUP INC        COM              026874107      988     9142 SH       SOLE                   5994        0     3148
D AMERICAN INTL GROUP INC        COM              026874107      621     5739 SH       OTHER                  5739        0        0
D AMERICAN PWR CONVERSION CORP   COM              029066107       26     1000 SH       SOLE                      0        0     1000
D AMERICAN STD COS INC DEL       COM              029712106        2       50 SH       OTHER                     0        0       50
D AMERIGAS PARTNERS L P          UNIT L P INT     030975106        9      600 SH       SOLE                    600        0        0
D AMGEN INC                      COM              031162100       18      300 SH       SOLE                    300        0        0
D AMGEN INC                      COM              031162100      577     9600 SH       OTHER                  9600        0        0
D ANALOG DEVICES INC             COM              032654105       25      266 SH       OTHER                   266        0        0
D ANHEUSER BUSCH COS INC         COM              035229103       57      800 SH       SOLE                    350        0      450
D APPLE COMPUTER INC             COM              037833100        8       75 SH       SOLE                     75        0        0
D AQUARION CO                    COM              03838W101       83     2250 SH       OTHER                  2250        0        0
D ARIBA INC                      COM              04033V104      124      700 SH       SOLE                      0        0      700
D ARROW ELECTRS INC              COM              042735100        3      100 SH       OTHER                     0        0      100
D ASSOCIATES FIRST CAP CORP      CL A             046008108      131     4762 SH       SOLE                   2512        0     2250
D ASSOCIATES FIRST CAP CORP      CL A             046008108        6      208 SH       OTHER                   208        0        0
D ATLANTIC RICHFIELD CO          COM              048825103      554     6400 SH       SOLE                   1800        0     4600
D ATLANTIC RICHFIELD CO          COM              048825103      213     2460 SH       OTHER                  2460        0        0
D ATMEL CORP                     COM              049513104       12      400 SH       SOLE                    400        0        0
D AUTOMATIC DATA PROCESSING INC  COM              053015103     1796    33337 SH       SOLE                  17291        0    16046
D AUTOMATIC DATA PROCESSING INC  COM              053015103      450     8350 SH       OTHER                  6250        0     2100
D AUTOZONE INC                   COM              053332102        8      250 SH       OTHER                   250        0        0
D AVIRON                         COM              053762100       19     1200 SH       SOLE                    100        0     1100
D AVIRON                         COM              053762100        8      500 SH       OTHER                   500        0        0
D AZURIX CORP                    COM              05501M104      127    14250 SH       SOLE                   8250        0     6000
D AZURIX CORP                    COM              05501M104       22     2500 SH       OTHER                  1500        0     1000
D BP AMOCO P L C                 SPONSORED ADR    055622104     1243    20954 SH       SOLE                  12582        0     8372
D BP AMOCO P L C                 SPONSORED ADR    055622104      521     8784 SH       OTHER                  8784        0        0
D BAKER FENTRESS & CO            COM              057213100       75     5285 SH       SOLE                   5285        0        0
D BALL CORP                      COM              058498106       28      700 SH       SOLE                    700        0        0
D BANK OF AMERICA CORPORATION    COM              060505104       56     1108 SH       SOLE                    356        0      752
D BANK OF AMERICA CORPORATION    COM              060505104      176     3508 SH       OTHER                  2715        0      793
D BANK NEW YORK INC              COM              064057102     5853   146326 SH       SOLE                  59475        0    86851
D BANK NEW YORK INC              COM              064057102      572    14300 SH       OTHER                  8600        0     5700
D BANK ONE CORP                  COM              06423A103      163     5096 SH       SOLE                    936        0     4160
D BANK ONE CORP                  COM              06423A103       22      700 SH       OTHER                     0        0      700
D BARCLAYS BK PLC                AM DEP NT RCPT   06738C836        9      400 SH       OTHER                   400        0        0
D BEAR STEARNS COS INC           COM              073902108       19      441 SH       SOLE                    441        0        0
D BECKMAN COULTER INC            COM              075811109        7      138 SH       SOLE                      0        0      138
D BECTON DICKINSON & CO          COM              075887109       59     2200 SH       SOLE                   1800        0      400
D BECTON DICKINSON & CO          COM              075887109      105     3900 SH       OTHER                     0        0     3900
D BED BATH & BEYOND INC          COM              075896100       70     2000 SH       OTHER                  2000        0        0
D BELL ATLANTIC CORP             COM              077853109      696    11308 SH       SOLE                   4204        0     7104
D BELL ATLANTIC CORP             COM              077853109      644    10460 SH       OTHER                 10460        0        0
D BELLSOUTH CORP                 COM              079860102     1109    23684 SH       SOLE                   8950        0    14734
D BELLSOUTH CORP                 COM              079860102      799    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       71       39 SH       SOLE                      0        0       39
D BESTFOODS                      COM              08658U101     1371    26075 SH       SOLE                  13300        0    12775
D BESTFOODS                      COM              08658U101      434     8250 SH       OTHER                  7150        0     1100
D BETHLEHEM STL CORP             PFD CV $5        087509303       23      500 SH       OTHER                   500        0        0
D BIOGEN INC                     COM              090597105      282     3333 SH       SOLE                   1983        0     1350
D BIOGEN INC                     COM              090597105       51      600 SH       OTHER                   600        0        0
D BIOMET INC                     COM              090613100       20      500 SH       OTHER                   500        0        0
D BLACKROCK 2001 TERM TR INC     COM              092477108       18     2000 SH       OTHER                  2000        0        0
D BOEING CO                      COM              097023105       75     1800 SH       SOLE                    600        0     1200
D BORDERS GROUP INC              COM              099709107       60     3700 SH       SOLE                   3400        0      300
D BRADLEY REAL ESTATE INC        COM              104580105        4      205 SH       OTHER                   205        0        0
D BRISTOL MYERS SQUIBB CO        COM              110122108     4127    64301 SH       SOLE                  58505        0     5796
D BRISTOL MYERS SQUIBB CO        COM              110122108      379     5900 SH       OTHER                  5700        0      200
D BROWN FORMAN CORP              CL A             115637100      108     2000 SH       OTHER                     0        0     2000
D BROWN FORMAN CORP              CL B             115637209       37      650 SH       SOLE                    650        0        0
D BROWN FORMAN CORP              CL B             115637209      115     2000 SH       OTHER                     0        0     2000
D BURLINGTON NORTHN SANTA FE CP  COM              12189T104       49     2000 SH       SOLE                      0        0     2000
D BURLINGTON RES INC             COM              122014103       17      500 SH       SOLE                      0        0      500
D CBS CORP                       COM              12490K107       51      800 SH       SOLE                      0        0      800
D CIGNA CORP                     COM              125509109       38      468 SH       OTHER                   318        0      150
D CSX CORP                       COM              126408103       24      750 SH       SOLE                      0        0      750
D CSX CORP                       COM              126408103       23      725 SH       OTHER                   500        0      225
D CVS CORP                       COM              126650100      357     8950 SH       SOLE                   8750        0      200
D CVS CORP                       COM              126650100      106     2650 SH       OTHER                  1350        0     1300
D CABLE & WIRELESS PUB LTD CO    SPONSORED ADR    126830207        8      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      131     5000 SH       SOLE                   5000        0        0
D CARDINAL HEALTH INC            COM              14149Y108      215     4500 SH       SOLE                      0        0     4500
D CAREMATRIX CORP                COM              141706101        2      600 SH       OTHER                     0        0      600
D CARNIVAL CORP                  COM              143658102       57     1200 SH       SOLE                   1200        0        0
D CAROLINA PWR & LT CO           COM              144141108       50     1649 SH       SOLE                   1649        0        0
D CAROLINA PWR & LT CO           COM              144141108       44     1462 SH       OTHER                  1462        0        0
D CATERPILLAR INC DEL            COM              149123101      315     6700 SH       SOLE                   3700        0     3000
D CENTRAL & SOUTH WEST CORP      COM              152357109       99     4932 SH       SOLE                   3300        0     1632
D CENTRAL & SOUTH WEST CORP      COM              152357109       33     1662 SH       OTHER                  1512        0      150
D CERIDIAN CORP                  COM              15677T106       13      600 SH       OTHER                   600        0        0
D CHARTER COMMUNICATIONS INC DEL CL A             16117M107       11      500 SH       SOLE                    500        0        0
D CHASE MANHATTAN CORP NEW       COM              16161A108       23      300 SH       SOLE                    300        0        0
D CHASE MANHATTAN CORP NEW       COM              16161A108       47      600 SH       OTHER                   600        0        0
D CHEVRON CORPORATION            COM              166751107      221     2550 SH       SOLE                   2200        0      350
D CHEVRON CORPORATION            COM              166751107      191     2200 SH       OTHER                  2200        0        0
D CHIRON CORP                    COM              170040109       42     1000 SH       SOLE                      0        0     1000
D CHUBB CORP                     COM              171232101       34      600 SH       SOLE                    500        0      100
D CHUBB CORP                     COM              171232101        5       85 SH       OTHER                     0        0       85
D CINERGY CORP                   COM              172474108       22      900 SH       SOLE                    900        0        0
D CINERGY CORP                   COM              172474108        2      100 SH       OTHER                     0        0      100
D CISCO SYS INC                  COM              17275R102     6367    59438 SH       SOLE                  33024        0    26414
D CISCO SYS INC                  COM              17275R102     2850    26604 SH       OTHER                 25004        0     1600
D CITIGROUP INC                  COM              172967101     4135    74250 SH       SOLE                  38363        0    35887
D CITIGROUP INC                  COM              172967101     1269    22794 SH       OTHER                 21219        0     1575
D CLOROX CO DEL                  COM              189054109      141     2800 SH       SOLE                   2800        0        0
D COASTAL CORP                   COM              190441105       14      400 SH       SOLE                      0        0      400
D COCA COLA CO                   COM              191216100     3115    53474 SH       SOLE                  38395        0    15079
D COCA COLA CO                   COM              191216100      823    14125 SH       OTHER                 11775        0     2350
D COLGATE PALMOLIVE CO           COM              194162103      120     1840 SH       SOLE                   1840        0        0
D COLGATE PALMOLIVE CO           COM              194162103      436     6700 SH       OTHER                  6700        0        0
D COLONIAL PPTYS TR              COM SH BEN INT   195872106       12      500 SH       SOLE                    500        0        0
D COMCAST CORP                   CL A SPL         200300200     1505    29950 SH       SOLE                  18850        0    11100
D COMCAST CORP                   CL A SPL         200300200      251     5000 SH       OTHER                  5000        0        0
D COMMERCIAL BANKSHARES INC      COM              201607108      323    15393 SH       SOLE                  15393        0        0
D COMMSCOPE INC                  COM              203372107        6      140 SH       SOLE                      0        0      140
D COMPAQ COMPUTER CORP           COM              204493100      179     6600 SH       SOLE                   5900        0      700
D COMPAQ COMPUTER CORP           COM              204493100       41     1500 SH       OTHER                  1500        0        0
D CONAGRA INC                    COM              205887102        9      400 SH       OTHER                     0        0      400
D COMPUTER HORIZONS CORP         COM              205908106      243    15000 SH       SOLE                  15000        0        0
D CONEXANT SYSTEMS INC           COM              207142100      142     2144 SH       SOLE                      0        0     2144
D CONNECTICUT ENERGY CORP        COM              207567108       27      700 SH       SOLE                    700        0        0
D CONSOLIDATED EDISON INC        COM              209115104      148     4300 SH       SOLE                   1400        0     2900
D CONSOLIDATED NAT GAS CO        COM              209615103       26      400 SH       SOLE                    400        0        0
D CONSOLIDATED NAT GAS CO        COM              209615103       13      200 SH       OTHER                   200        0        0
D CONSOLIDATED PAPERS INC        COM              209759109        3      100 SH       OTHER                     0        0      100
D CONSOLIDATED TOMOKA LD CO      COM              210226106        9      677 SH       SOLE                    677        0        0
D CONSTELLATION ENERGY CORP      COM              210371100       23      800 SH       SOLE                    800        0        0
D COOPER CAMERON CORP            COM              216640102       15      300 SH       SOLE                    300        0        0
D COOPER CAMERON CORP            COM              216640102       20      400 SH       OTHER                   400        0        0
D COOPER TIRE & RUBR CO          COM              216831107        2      100 SH       OTHER                     0        0      100
D CORN PRODS INTL INC            COM              219023108        7      200 SH       OTHER                   200        0        0
D CORNING INC                    COM              219350105     3359    26050 SH       SOLE                  13400        0    12650
D CORNING INC                    COM              219350105      529     4100 SH       OTHER                  4100        0        0
D CORUS GROUP PLC                SPONSORED ADR    22087M101       13      500 SH       OTHER                   500        0        0
D COSTCO WHSL CORP NEW           COM              22160K105      381     4175 SH       SOLE                   1300        0     2875
D COVANCE INC                    COM              222816100       14     1300 SH       SOLE                      0        0     1300
D COX COMMUNICATIONS INC NEW     CL A             224044107        8      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       47     1350 SH       SOLE                    900        0      450
D DTE ENERGY CO                  COM              233331107        9      300 SH       OTHER                   300        0        0
D DANAHER CORP DEL               COM              235851102       92     1900 SH       SOLE                      0        0     1900
D DAYTON HUDSON CORP             COM              239753106      224     3050 SH       SOLE                   2175        0      875
D DAYTON HUDSON CORP             COM              239753106      132     1800 SH       OTHER                  1800        0        0
D DELPHI AUTOMOTIVE SYS CORP     COM              247126105       14      907 SH       SOLE                      0        0      907
D DELPHI AUTOMOTIVE SYS CORP     COM              247126105        9      558 SH       OTHER                   558        0        0
D DELTIC TIMBER CORP             COM              247850100       16      714 SH       OTHER                   714        0        0
D DIAL CORP NEW                  COM              25247D101       24     1000 SH       SOLE                      0        0     1000
D DILLARDS INC                   CL A             254067101        2       75 SH       OTHER                     0        0       75
D DISNEY WALT CO                 COM DISNEY       254687106     1136    38829 SH       SOLE                   3040        0    35789
D DISNEY WALT CO                 COM DISNEY       254687106       66     2250 SH       OTHER                  2250        0        0
D DOLLAR GEN CORP                COM              256669102        6      250 SH       OTHER                   250        0        0
D DOMINION RES INC VA            COM              257470104       61     1549 SH       SOLE                   1549        0        0
D DOUBLECLICK INC                COM              258609304     1122     4434 SH       SOLE                   2829        0     1605
D DOUBLECLICK INC                COM              258609304      329     1300 SH       OTHER                  1250        0       50
D DOVER CORP                     COM              260003108      454    10000 SH       SOLE                      0        0    10000
D DOW CHEM CO                    COM              260543103      601     4500 SH       SOLE                    550        0     3950
D DOW CHEM CO                    COM              260543103      195     1462 SH       OTHER                  1312        0      150
D DU PONT E I DE NEMOURS & CO    COM              263534109     4034    61241 SH       SOLE                  34685        0    26556
D DU PONT E I DE NEMOURS & CO    COM              263534109      917    13925 SH       OTHER                 11325        0     2600
D DUFF & PHELPS UTILS INCOME INC COM              264324104       25     3000 SH       SOLE                   3000        0        0
D DUKE ENERGY CORP               COM              264399106       28      555 SH       OTHER                   200        0      355
D DUKE WEEKS REALTY CORP         COM NEW          264411505       45     2300 SH       SOLE                    100        0     2200
D DUKE WEEKS REALTY CORP         COM NEW          264411505       12      600 SH       OTHER                   600        0        0
D E M C CORP MASS                COM              268648102     3725    34100 SH       SOLE                  15950        0    18150
D E M C CORP MASS                COM              268648102      852     7800 SH       OTHER                  7250        0      550
D E TOWN                         COM              269242103       56      900 SH       OTHER                   900        0        0
D EASTMAN CHEM CO                COM              277432100        5      100 SH       SOLE                    100        0        0
D EASTMAN KODAK CO               COM              277461109       80     1200 SH       SOLE                    700        0      500
D ECHELON INTL CORP              COM              278747100        0        1 SH       OTHER                     1        0        0
D EDISON INTL                    COM              281020107       42     1600 SH       SOLE                   1200        0      400
D EL PASO ENERGY PARTNERS L P    COM              28368B102       38     2000 SH       SOLE                   2000        0        0
D EL PASO ENERGY CORP DEL        COM              283905107       11      294 SH       SOLE                      0        0      294
D ELAN PLC                       ADR              284131208       30     1000 SH       OTHER                  1000        0        0
D EMERSON ELEC CO                COM              291011104      786    13700 SH       SOLE                    200        0    13500
D EMERSON ELEC CO                COM              291011104       34      600 SH       OTHER                   600        0        0
D ENBRIDGE INC                   COM              29250N105      103     5096 SH       OTHER                  5096        0        0
D ENERGY EAST CORP               COM              29266M109       25     1200 SH       SOLE                   1200        0        0
D ENRON CORP                     COM              293561106      113     2550 SH       SOLE                   1200        0     1350
D ENRON CORP                     COM              293561106      107     2400 SH       OTHER                  2400        0        0
D ENTRUST TECHNOLOGIES INC       COM              293848107      456     7600 SH       SOLE                   7600        0        0
D EQUITY INCOME FD               UT 1 EX SR-ATT   294700703       20      100 SH       SOLE                      0        0      100
D ERICSSON L M TEL CO            ADR CL B SEK10   294821400        7      100 SH       SOLE                    100        0        0
D ERICSSON L M TEL CO            ADR CL B SEK10   294821400      210     3200 SH       OTHER                  3200        0        0
D EXXON MOBIL CORP               COM              30231G102    12525   155471 SH       SOLE                  69130        0    86341
D EXXON MOBIL CORP               COM              30231G102     3521    43706 SH       OTHER                 39938        0     3768
D F M C CORP                     COM NEW          302491303        2       30 SH       OTHER                     0        0       30
D FPL GROUP INC                  COM              302571104      184     4300 SH       SOLE                   2300        0     2000
D FPL GROUP INC                  COM              302571104       38      883 SH       OTHER                   600        0      283
D FAMILY DLR STORES INC          COM              307000109       52     3166 SH       SOLE                   1516        0     1650
D FAMILY DLR STORES INC          COM              307000109       55     3350 SH       OTHER                  3350        0        0
D FDX CORP                       COM              31304N107       16      400 SH       SOLE                    400        0        0
D FDX CORP                       COM              31304N107       16      400 SH       OTHER                   400        0        0
D FEDERAL NATL MTG ASSN          COM              313586109     2163    34650 SH       SOLE                  20275        0    14375
D FEDERAL NATL MTG ASSN          COM              313586109      631    10105 SH       OTHER                  8805        0     1300
D FEDERAL REALTY INVT TR         SH BEN INT NEW   313747206        8      400 SH       SOLE                      0        0      400
D FEDERAL REALTY INVT TR         SH BEN INT NEW   313747206        8      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        1      400 SH       SOLE                    200        0      200
D FINOVA GROUP INC               COM              317928109       18      500 SH       SOLE                      0        0      500
D FIRST DATA CORP                COM              319963104     1572    31872 SH       SOLE                   4280        0    27592
D FIRST DATA CORP                COM              319963104       26      526 SH       OTHER                   526        0        0
D FIRST TENN NATL CORP           COM              337162101       11      400 SH       SOLE                    400        0        0
D FIRST UN CORP                  COM              337358105       68     2075 SH       SOLE                   1225        0      850
D FIRST UN CORP                  COM              337358105       72     2175 SH       OTHER                  2175        0        0
D FIRSTENERGY CORP               COM              337932107       30     1312 SH       SOLE                   1312        0        0
D FIRSTENERGY CORP               COM              337932107       13      556 SH       OTHER                     0        0      556
D FLORIDA EAST COAST INDS        COM              340632108      125     3000 SH       SOLE                   3000        0        0
D FLORIDA PROGRESS CORP          COM              341109106      116     2750 SH       SOLE                   2750        0        0
D FLORIDA PROGRESS CORP          COM              341109106      191     4508 SH       OTHER                  2608        0     1900
D FORD MTR CO DEL                COM              345370100       79     1479 SH       SOLE                   1279        0      200
D FORD MTR CO DEL                COM              345370100       32      600 SH       OTHER                   600        0        0
D FOREST LABS INC                COM              345838106       61     1000 SH       SOLE                   1000        0        0
D FORTUNE BRANDS INC             COM              349631101       69     2100 SH       SOLE                   1600        0      500
D FORTUNE BRANDS INC             COM              349631101       33     1000 SH       OTHER                  1000        0        0
D FOUNDATION HEALTH SYS INC      COM              350404109        1       75 SH       OTHER                     0        0       75
D GTE CORP                       COM              362320103      423     5998 SH       SOLE                   5150        0      848
D GTE CORP                       COM              362320103       92     1300 SH       OTHER                  1000        0      300
D GABELLI EQUITY TR INC          COM              362397101       55     4363 SH       SOLE                      0        0     4363
D GABELLI SER FDS INC            CONV SECS FD     36240B109       40     3764 SH       SOLE                      0        0     3764
D GALLAHER GROUP PLC             SPONSORED ADR    363595109       17     1100 SH       SOLE                    600        0      500
D GANNETT INC                    COM              364730101       49      600 SH       SOLE                    600        0        0
D GENENTECH INC                  COM NEW          368710406       74      550 SH       SOLE                      0        0      550
D GENERAL ELEC CO                COM              369604103    11863    76658 SH       SOLE                  60718        0    15940
D GENERAL ELEC CO                COM              369604103     4938    31910 SH       OTHER                 31210        0      700
D GENERAL GROWTH PPTYS INC       COM              370021107      104     3725 SH       SOLE                    925        0     2800
D GENERAL INSTR CORP DEL         COM              370120107       36      421 SH       SOLE                      0        0      421
D GENERAL MTRS CORP              COM              370442105       94     1300 SH       SOLE                      0        0     1300
D GENERAL MTRS CORP              COM              370442105       56      775 SH       OTHER                   775        0        0
D GENERAL SEMICONDUCTOR INC      COM              370787103        1      105 SH       SOLE                      0        0      105
D GENUINE PARTS CO               COM              372460105        3      125 SH       OTHER                     0        0      125
D GEORGIA PAC CORP               COM GA PAC GRP   373298108       83     1638 SH       SOLE                   1438        0      200
D GEORGIA PAC CORP               COM-TIMBER GRP   373298702       20      819 SH       SOLE                    719        0      100
D GILLETTE CO                    COM              375766102     2028    49247 SH       SOLE                  27993        0    21254
D GILLETTE CO                    COM              375766102      766    18600 SH       OTHER                 17000        0     1600
D GLAXO WELLCOME PLC             SPONSORED ADR    37733W105       22      400 SH       OTHER                   400        0        0
D GLIATECH INC                   COM              37929C103        2      100 SH       SOLE                    100        0        0
D GLIATECH INC                   COM              37929C103       17     1000 SH       OTHER                  1000        0        0
D GLOBAL PARTNERS INCOME FD INC  COM              37935R102       40     4139 SH       SOLE                      0        0     4139
D HALLIBURTON CO                 COM              406216101      974    24193 SH       SOLE                  10783        0    13410
D HALLIBURTON CO                 COM              406216101      154     3820 SH       OTHER                  3820        0        0
D JOHN HANCOCK BK &THRIFT OPP FD SH BEN INT       409735107       32     3740 SH       SOLE                   3740        0        0
D HARTFORD FINL SVCS GROUP INC   COM              416515104       76     1600 SH       SOLE                    500        0     1100
D HAWAIIAN ELEC INDUSTRIES       COM              419870100       12      400 SH       SOLE                      0        0      400
D HEALTH CARE PPTY INVS INC      COM              421915109       60     2511 SH       SOLE                   2511        0        0
D HEARX LTD                      COM NEW          422360305        5     1000 SH       SOLE                      0        0     1000
D HEINZ H J CO                   COM              423074103       12      300 SH       SOLE                    300        0        0
D HEINZ H J CO                   COM              423074103       24      600 SH       OTHER                   600        0        0
D HERCULES INC                   COM              427056106       28     1000 SH       OTHER                  1000        0        0
D HERSHEY FOODS CORP             COM              427866108       67     1408 SH       SOLE                   1208        0      200
D HEWLETT PACKARD CO             COM              428236103      310     2725 SH       SOLE                   1300        0     1425
D HEWLETT PACKARD CO             COM              428236103      410     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      301     4374 SH       SOLE                   2100        0     2274
D HOME DEPOT INC                 COM              437076102       14      200 SH       OTHER                   200        0        0
D HOMESTAKE MNG CO               COM              437614100       23     3000 SH       SOLE                      0        0     3000
D HONEYWELL INTL INC             COM              438516106     1079    18705 SH       SOLE                      0        0    18705
D HONEYWELL INTL INC             COM              438516106       14      242 SH       OTHER                   242        0        0
D HOSPITALITY PPTYS TR           COM SH BEN INT   44106M102       19     1000 SH       SOLE                   1000        0        0
D HSBC BK PLC                    SP ADR UNIT A    44328M302        9      400 SH       OTHER                   400        0        0
D HUANENG PWR INTL INC           SPON ADR N       443304100        1      100 SH       OTHER                   100        0        0
D HUNTINGTON BANCSHARES INC      COM              446150104      105     4392 SH       SOLE                   4392        0        0
D HYPERION TOTAL RETURN & INCOME COM              449145101        0        9 SH       SOLE                      9        0        0
D ITT INDS INC IND               COM              450911102       18      550 SH       SOLE                      0        0      550
D IDEXX LABS INC                 COM              45168D104       32     2000 SH       OTHER                  2000        0        0
D ILLINOIS TOOL WKS INC          COM              452308109       16      242 SH       SOLE                      0        0      242
D IMATION CORP                   COM              45245A107        7      200 SH       OTHER                   200        0        0
D INCO LTD                       COM              453258402       59     2500 SH       SOLE                      0        0     2500
D INGERSOLL-RAND CO              COM              456866102       25      450 SH       SOLE                      0        0      450
D INSURED MUN INCOME FD          COM              45809F104       12     1060 SH       SOLE                   1060        0        0
D INTEL CORP                     COM              458140100     4219    51258 SH       SOLE                  25658        0    25600
D INTEL CORP                     COM              458140100     1717    20858 SH       OTHER                 16558        0     4300
D INTER TEL INC                  COM              458372109       25     1000 SH       SOLE                      0        0     1000
D INTERNATIONAL BUSINESS MACHS   COM              459200101      796     7376 SH       SOLE                   6600        0      776
D INTERNATIONAL BUSINESS MACHS   COM              459200101     1101    10210 SH       OTHER                 10160        0       50
D INTERNATIONAL FLAVORS&FRAGRANC COM              459506101       15      400 SH       SOLE                    400        0        0
D INTL PAPER CO                  COM              460146103       17      297 SH       SOLE                      0        0      297
D INTL PAPER CO                  COM              460146103       15      274 SH       OTHER                     0        0      274
D INTERVU INC                    COM              46114R106       21      200 SH       SOLE                    100        0      100
D ISOLYSER INC                   COM              464888106       15     5000 SH       OTHER                  5000        0        0
D JDS UNIPHASE CORP              COM              46612J101      105      325 SH       SOLE                      0        0      325
D JDS UNIPHASE CORP              COM              46612J101      161      500 SH       OTHER                   500        0        0
D JOHNSON & JOHNSON              COM              478160104     4544    48727 SH       SOLE                  29350        0    19377
D JOHNSON & JOHNSON              COM              478160104     1543    16552 SH       OTHER                 13652        0     2900
D JOHNSON CTLS INC               COM              478366107       28      500 SH       SOLE                    500        0        0
D KANEB PIPE LINE PARTNERS L P   SR PREF UNIT     484169107       25     1000 SH       SOLE                   1000        0        0
D KEANE INC                      COM              486665102      161     5000 SH       SOLE                   5000        0        0
D KEMPER INTER GOVT TR           SH BEN INT       488413105       32     5000 SH       OTHER                  5000        0        0
D KEMPER MUN INCOME TR           COM SH BEN INT   48842C104       72     7200 SH       SOLE                   3000        0     4200
D KEYSPAN CORP                   COM              49337W100       83     3600 SH       SOLE                   1500        0     2100
D KIMBERLY CLARK CORP            COM              494368103       29      450 SH       SOLE                    450        0        0
D KIMBERLY CLARK CORP            COM              494368103       52      800 SH       OTHER                   800        0        0
D KONINKLIJKE PHILIPS ELECTRS NV SPON ADR NEW     500472204       43      322 SH       SOLE                    322        0        0
D KROGER CO                      COM              501044101      660    34950 SH       SOLE                  30900        0     4050
D KROGER CO                      COM              501044101      134     7100 SH       OTHER                  6800        0      300
D LTV CORP NEW                   COM              501921100        0        1 SH       OTHER                     1        0        0
D LANIER WORLDWIDE INC           COM              51589L105        2      500 SH       OTHER                   500        0        0
D LAUDER ESTEE COS INC           CL A             518439104       10      200 SH       SOLE                    200        0        0
D LEAP WIRELESS INTL INC         COM              521863100       26      337 SH       SOLE                     37        0      300
D LEAP WIRELESS INTL INC         COM              521863100       14      175 SH       OTHER                   175        0        0
D LEHMAN BROS HLDGS INC          COM              524908100       42      500 SH       OTHER                   500        0        0
D LEVEL 3 COMMUNICATIONS INC     COM              52729N100       25      300 SH       SOLE                    200        0      100
D LIBERTY PPTY TR                SH BEN INT       531172104       10      400 SH       SOLE                      0        0      400
D LIBERTY PPTY TR                SH BEN INT       531172104       10      400 SH       OTHER                   400        0        0
D LILLY ELI & CO                 COM              532457108       98     1475 SH       SOLE                   1475        0        0
D LILLY ELI & CO                 COM              532457108       53      800 SH       OTHER                   400        0      400
D LOCKHEED MARTIN CORP           COM              539830109       18      800 SH       SOLE                      0        0      800
D LOWES COS INC                  COM              548661107       51      850 SH       SOLE                    650        0      200
D LOWES COS INC                  COM              548661107       18      300 SH       OTHER                   300        0        0
D LUBRIZOL CORP                  COM              549271104        2       60 SH       OTHER                     0        0       60
D LUCENT TECHNOLOGIES INC        COM              549463107     2877    38366 SH       SOLE                  26007        0    12359
D LUCENT TECHNOLOGIES INC        COM              549463107     1694    22586 SH       OTHER                 21786        0      800
D MBNA CORP                      COM              55262L100        8      300 SH       OTHER                   300        0        0
D MCN ENERGY GROUP INC           COM              55267J100       11      444 SH       SOLE                      0        0      444
D MCI WORLDCOM INC               COM              55268B106     2387    29991 SH       SOLE                  20991        0     9000
D MCI WORLDCOM INC               COM              55268B106      605     7600 SH       OTHER                  7150        0      450
D MFS CHARTER INCOME TR          SH BEN INT       552727109       24     3000 SH       SOLE                   3000        0        0
D MFS INTER INCOME TR            SH BEN INT       55273C107       15     2500 SH       OTHER                  2500        0        0
D MARK IV INDS INC               COM              570387100        7      400 SH       OTHER                   400        0        0
D MARSH & MCLENNAN COS INC       COM              571748102      598     6250 SH       SOLE                   6250        0        0
D MARSH & MCLENNAN COS INC       COM              571748102      517     5400 SH       OTHER                  5400        0        0
D MATTEL INC                     COM              577081102       45     3400 SH       SOLE                      0        0     3400
D MAY DEPT STORES CO             COM              577778103      170     5284 SH       SOLE                   4234        0     1050
D MAY DEPT STORES CO             COM              577778103        5      150 SH       OTHER                     0        0      150
D MCDONALDS CORP                 COM              580135101     1006    24950 SH       SOLE                  16050        0     8900
D MCDONALDS CORP                 COM              580135101      422    10475 SH       OTHER                  8575        0     1900
D MCKESSON HBOC INC              COM              58155Q103        5      200 SH       OTHER                   200        0        0
D MCLEODUSA INC                  COM              582266102      417     7083 SH       SOLE                   6083        0     1000
D MCLEODUSA INC                  COM              582266102       79     1350 SH       OTHER                  1350        0        0
D MEAD CORP                      COM              582834107        4      100 SH       OTHER                     0        0      100
D MEDIAONE GROUP INC             COM              58440J104      115     1497 SH       SOLE                      3        0     1494
D MEDIAONE GROUP INC             COM              58440J104       83     1080 SH       OTHER                  1080        0        0
D MEDTRONIC INC                  COM              585055106     1218    33432 SH       SOLE                  21052        0    12380
D MEDTRONIC INC                  COM              585055106      302     8300 SH       OTHER                  8300        0        0
D MENTOR INCOME FD INC           COM              587204108       64     8980 SH       SOLE                   8980        0        0
D MERCK & CO INC                 COM              589331107     3756    55900 SH       SOLE                  27950        0    27950
D MERCK & CO INC                 COM              589331107     1330    19800 SH       OTHER                 19800        0        0
D MERITOR AUTOMOTIVE INC         COM              59000G100       14      714 SH       SOLE                      0        0      714
D MERRILL LYNCH & CO INC         COM              590188108      133     1600 SH       OTHER                  1600        0        0
D METROMEDIA FIBER NETWORK INC   CL A             591689104     1091    22758 SH       SOLE                  10508        0    12250
D METROMEDIA FIBER NETWORK INC   CL A             591689104      369     7700 SH       OTHER                  6800        0      900
D MICROSOFT CORP                 COM              594918104      736     6300 SH       SOLE                   3600        0     2700
D MICROSOFT CORP                 COM              594918104      479     4100 SH       OTHER                  4100        0        0
D MICROTEST INC                  COM              594941106        9     1000 SH       OTHER                  1000        0        0
D MILLENNIUM CHEMICALS INC       COM              599903101        1       50 SH       OTHER                     0        0       50
D MILLIPORE CORP                 COM              601073109     3863   100000 SH       SOLE                 100000        0        0
D MINIMED INC                    COM              60365K108      754    10300 SH       SOLE                   4800        0     5500
D MINIMED INC                    COM              60365K108       11      150 SH       OTHER                   150        0        0
D MINNESOTA MNG & MFG CO         COM              604059105       69      700 SH       SOLE                    200        0      500
D MINNESOTA MNG & MFG CO         COM              604059105       98     1000 SH       OTHER                  1000        0        0
D MINNESOTA PWR INC              COM              604110106       68     4000 SH       OTHER                  4000        0        0
D MONSANTO CO                    COM              611662107      699    19725 SH       SOLE                  10875        0     8850
D MONSANTO CO                    COM              611662107      147     4150 SH       OTHER                  4050        0      100
D MONTANA POWER CO               COM              612085100       97     2700 SH       SOLE                   2000        0      700
D MONY GROUP INC                 COM              615337102        0       16 SH       OTHER                    16        0        0
D MORGAN J P & CO INC            COM              616880100      256     2025 SH       SOLE                   1425        0      600
D MORGAN J P & CO INC            COM              616880100      152     1200 SH       OTHER                  1200        0        0
D MORGAN STANLEY D WITTER HI YLD COM              61744M104       22     2000 SH       OTHER                  2000        0        0
D MORGAN STANLEY DEAN WITTER&CO  COM NEW          617446448     5716    40041 SH       SOLE                  11256        0    28785
D MORGAN STANLEY DEAN WITTER&CO  COM NEW          617446448     1049     7350 SH       OTHER                  6550        0      800
D MORGAN STANLEY DEAN WITTER     MUN PREM INCOM   61745P429       37     4900 SH       SOLE                   4900        0        0
D MORGAN STANLEY DEAN WITTER     QUALT MUN INCM   61745P734       29     2300 SH       SOLE                   2300        0        0
D MORGAN STANLEY DEAN WITTER     INSD MUN TR      61745P866       50     3956 SH       SOLE                   3956        0        0
D MORGAN STANLEY DEAN WITTER     INCOME SEC INC   61745P874        7      500 SH       SOLE                    500        0        0
D MOTOROLA INC                   COM              620076109      670     4550 SH       SOLE                   4400        0      150
D MOTOROLA INC                   COM              620076109       74      500 SH       OTHER                   500        0        0
D MUNIHOLDINGS N Y INSD FD INC   COM              625931100        2      200 SH       SOLE                      0        0      200
D MUNIHOLDINGS N Y FD INC        COM              625932108        9      800 SH       SOLE                      0        0      800
D MUNIHOLDINGS FLA INSD FD II    COM              625934104       17     1500 SH       SOLE                   1500        0        0
D MUNIHOLDINGS FLA INSD FD IV    SH BEN INT       625937107       37     3364 SH       SOLE                   3364        0        0
D MUNIHOLDINGS FLA INSD FD       COM              62624W105       20     1666 SH       SOLE                   1666        0        0
D MUNIHOLDINGS FLA INSD FD III   SH BEN INT       62624Y101       36     3332 SH       SOLE                   3332        0        0
D MUNIVEST FLA FD                COM              626293104       39     3800 SH       SOLE                   3800        0        0
D MUNIYIELD FLA FD               COM              626297105       25     2206 SH       OTHER                   206        0     2000
D MUNIYIELD FD INC               COM              626299101      135    11598 SH       OTHER                 11598        0        0
D MUNIYIELD QUALITY FD INC       COM              626302103       22     1928 SH       SOLE                   1928        0        0
D MURPHY OIL CORP                COM              626717102      103     1800 SH       OTHER                  1800        0        0
D NCR CORP NEW                   COM              62886E108       35      921 SH       SOLE                    787        0      134
D NCR CORP NEW                   COM              62886E108        8      205 SH       OTHER                   205        0        0
D NCS HEALTHCARE INC             CL A             628874109        5     2000 SH       OTHER                  2000        0        0
D NUCO2 INC                      COM              629428103        3      200 SH       OTHER                   200        0        0
D NATIONAL CITY CORP             COM              635405103       38     1600 SH       SOLE                      0        0     1600
D NATIONAL CITY CORP             COM              635405103       47     2000 SH       OTHER                   800        0     1200
D NATIONAL SVC INDS INC          COM              637657107       21      700 SH       SOLE                    700        0        0
D NEW AMER HIGH INCOME FD INC    COM              641876107       14     4500 SH       OTHER                  4500        0        0
D NEW CENTURY ENERGIES INC       COM              64352U103       43     1425 SH       SOLE                   1425        0        0
D NEW CENTURY ENERGIES INC       COM              64352U103       58     1900 SH       OTHER                  1900        0        0
D NEWELL RUBBERMAID INC          COM              651229106        7      236 SH       SOLE                    236        0        0
D NEXTEL COMMUNICATIONS INC      CL A             65332V103      604     5855 SH       SOLE                   1530        0     4325
D NEXTEL COMMUNICATIONS INC      CL A             65332V103      155     1500 SH       OTHER                  1500        0        0
D NEXTLINK COMMUNICATIONS INC    CL A             65333H707       42      500 SH       SOLE                      0        0      500
D NICOR INC                      COM              654086107       41     1274 SH       OTHER                  1274        0        0
D NISOURCE INC                   COM              65473P105        7      400 SH       SOLE                    400        0        0
D NOKIA CORP                     SPONSORED ADR    654902204     7845    41062 SH       SOLE                  23767        0    17295
D NOKIA CORP                     SPONSORED ADR    654902204     2904    15200 SH       OTHER                 14350        0      850
D NORAM ENERGY CORP              SUB DEB CV  6%12 655419AC3       13    15000 PRN      OTHER                 15000        0        0
D NORFOLK SOUTHERN CORP          COM              655844108       82     4000 SH       SOLE                   4000        0        0
D NORFOLK SOUTHERN CORP          COM              655844108      138     6744 SH       OTHER                  6444        0      300
D NORTHWEST AIRLS CORP           CL A             667280101       17      750 SH       SOLE                    750        0        0
D NUVEEN INVT QUALITY MUN FD INC COM              67062E103        6      500 SH       OTHER                   500        0        0
D NUVEEN PREM INCOME MUN FD      COM              67062T100       36     3000 SH       SOLE                   3000        0        0
D NUVEEN N Y INVT QUALITY MUN FD COM              67062X101       13     1000 SH       OTHER                     0        0     1000
D NUVEEN PREM INCOME MUN FD 2    COM              67063W102       28     2000 SH       SOLE                   2000        0        0
D NUVEEN DIVID ADVANTAGE MUN FD  COM              67066V101       21     1750 SH       SOLE                   1750        0        0
D OGE ENERGY CORP                COM              670837103       23     1200 SH       OTHER                     0        0     1200
D NUVEEN MUN VALUE FD INC        COM              670928100       24     3000 SH       SOLE                   3000        0        0
D NUVEEN MUN VALUE FD INC        COM              670928100        8     1000 SH       OTHER                  1000        0        0
D NUVEEN FLA INVT QUALITY MUN FD COM              670970102       38     2900 SH       SOLE                   2900        0        0
D NUVEEN QUALITY INCOME MUN FD   COM              670977107      100     8216 SH       SOLE                   8216        0        0
D NUVEEN INSD MUN OPPORTUNITY FD COM              670984103       59     4800 SH       SOLE                   4800        0        0
D NUVEEN PREMIER INSD MUN INCOME COM              670987106        9      667 SH       OTHER                   667        0        0
D NUVEEN INSD FLA PREM INCOME FD COM              67101V108       26     2000 SH       SOLE                   2000        0        0
D OCCIDENTAL PETE CORP DEL       COM              674599105       22     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       22     2000 SH       SOLE                      0        0     2000
D OLD REP INTL CORP              COM              680223104        1      100 SH       OTHER                     0        0      100
D OMNICOM GROUP INC              COM              681919106       30      300 SH       SOLE                    300        0        0
D 1-800 CONTACTS INC             COM              681977104       54     2000 SH       OTHER                  2000        0        0
D OMNOVA SOLUTIONS INC           COM              682129101        6      800 SH       SOLE                    800        0        0
D ORACLE CORP                    COM              68389X105      473     4225 SH       SOLE                   4225        0        0
D OWENS CORNING                  COM              69073F103        1       50 SH       OTHER                     0        0       50
D OWENS ILL INC                  COM NEW          690768403        4      150 SH       OTHER                     0        0      150
D P P & L RES INC                COM              693499105        7      299 SH       SOLE                    299        0        0
D PPG INDS INC                   COM              693506107       34      550 SH       SOLE                    550        0        0
D PAINE WEBBER GROUP INC         COM              695629105       25      650 SH       OTHER                   650        0        0
D PALL CORP                      COM              696429307       11      500 SH       OTHER                     0        0      500
D PARKER HANNIFIN CORP           COM              701094104      564    11000 SH       SOLE                  11000        0        0
D PENNEY J C INC                 COM              708160106        4      200 SH       SOLE                    200        0        0
D PEPSICO INC                    COM              713448108      630    17860 SH       SOLE                   3500        0    14360
D PEPSICO INC                    COM              713448108       35     1000 SH       OTHER                  1000        0        0
D PHARMACIA & UPJOHN INC         COM              716941109       36      800 SH       SOLE                    800        0        0
D PHARMACIA & UPJOHN INC         COM              716941109       14      300 SH       OTHER                   300        0        0
D PFIZER INC                     COM              717081103     1544    47605 SH       SOLE                  35030        0    12575
D PFIZER INC                     COM              717081103     1017    31340 SH       OTHER                 30940        0      400
D PHILIP MORRIS COS INC          COM              718154107      159     6900 SH       SOLE                   1200        0     5700
D PLUM CREEK TIMBER CO INC       COM              729251108       15      600 SH       SOLE                    600        0        0
D POTOMAC ELEC PWR CO            COM              737679100       52     2275 SH       SOLE                   1875        0      400
D PRAXAIR INC                    COM              74005P104        8      150 SH       OTHER                     0        0      150
D PREFERRED INCOME FD INC        COM              74037G106       17     1376 SH       OTHER                  1376        0        0
D PRICE COMMUNICATIONS CORP      COM NEW          741437305       89     3202 SH       OTHER                  3202        0        0
D PRIMARK CORP                   COM              741903108        6      224 SH       SOLE                      0        0      224
D PROCTER & GAMBLE CO            COM              742718109     2918    26631 SH       SOLE                  16861        0     9770
D PROCTER & GAMBLE CO            COM              742718109      666     6075 SH       OTHER                  5475        0      600
D PROVIDIAN FINL CORP            COM              74406A102       82      900 SH       SOLE                    800        0      100
D PUBLIC SVC ENTERPRISE GROUP    COM              744573106      304     8737 SH       SOLE                   7187        0     1550
D PUBLIC SVC ENTERPRISE GROUP    COM              744573106       56     1600 SH       OTHER                  1600        0        0
D PUTNAM HIGH INCOME CONV&BD FD  SH BEN INT       746779107        7     1000 SH       SOLE                      0        0     1000
D PUTNAM PREMIER INCOME TR       SH BEN INT       746853100       12     2000 SH       SOLE                   2000        0        0
D QUALCOMM INC                   COM              747525103      493      700 SH       SOLE                    200        0      500
D QUALCOMM INC                   COM              747525103      669      950 SH       OTHER                   950        0        0
D QUEST DIAGNOSTICS INC          COM              74834L100      791    25875 SH       SOLE                  18800        0     7075
D QUEST DIAGNOSTICS INC          COM              74834L100      145     4750 SH       OTHER                  3350        0     1400
D QWEST COMMUNICATIONS INTL INC  COM              749121109      312     7250 SH       SOLE                   5600        0     1650
D QWEST COMMUNICATIONS INTL INC  COM              749121109      159     3700 SH       OTHER                  3500        0      200
D R G S ENERGY GROUP INC         COM              74956K104        8      400 SH       SOLE                    400        0        0
D R G S ENERGY GROUP INC         COM              74956K104       31     1500 SH       OTHER                  1500        0        0
D RALSTON PURINA CO              COM RAL-PUR GP   751277302        6      200 SH       OTHER                   200        0        0
D RAYONIER INC                   COM              754907103        7      137 SH       SOLE                      0        0      137
D RAYTHEON CO                    CL A             755111309        2       63 SH       SOLE                      0        0       63
D RAYTHEON CO                    CL A             755111309        1       25 SH       OTHER                    25        0        0
D RAYTHEON CO                    CL B             755111408      106     4000 SH       OTHER                  4000        0        0
D REALTY INCOME CORP             COM              756109104       10      500 SH       SOLE                    500        0        0
D RELIANT ENERGY INC             COM              75952J108      333    14550 SH       SOLE                   2850        0    11700
D RELIANT ENERGY INC             COM              75952J108       55     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       44     6194 SH       SOLE                   5194        0     1000
D REYNOLDS R J TOB HLDGS INC     COM              76182K105        1       33 SH       OTHER                     0        0       33
D ROCKWELL INTL CORP NEW         COM              773903109      103     2144 SH       SOLE                      0        0     2144
D ROHM & HAAS CO                 COM              775371107       45     1106 SH       OTHER                  1106        0        0
D ROPER INDS INC NEW             COM              776696106      756    20000 SH       SOLE                      0        0    20000
D ROYAL DUTCH PETE CO            NY REG GLD1.25   780257804      524     8649 SH       SOLE                   6949        0     1700
D ROYAL DUTCH PETE CO            NY REG GLD1.25   780257804      251     4150 SH       OTHER                  3150        0     1000
D RYERSON TULL INC NEW           COM              78375P107       17      850 SH       SOLE                    850        0        0
D SBC COMMUNICATIONS INC         COM              78387G103     1015    20828 SH       SOLE                   1974        0    18854
D SBC COMMUNICATIONS INC         COM              78387G103      834    17114 SH       OTHER                 17114        0        0
D SLM HLDG CORP                  COM              78442A109       23      550 SH       SOLE                    550        0        0
D SABRE HLDGS CORP               CL A             785905100      820    16000 SH       SOLE                      0        0    16000
D ST JOE CO                      COM              790148100      140     5750 SH       SOLE                   5750        0        0
D SALOMON BROTHERS FD INC        COM              795477108       37     1815 SH       SOLE                   1815        0        0
D SAP AKTIENGESELLSCHAFT         SPONSORED ADR    803054204      234     4500 SH       SOLE                      0        0     4500
D SARA LEE CORP                  COM              803111103      190     8600 SH       OTHER                  8000        0      600
D SCANA CORP                     COM              805898103        7      275 SH       SOLE                      0        0      275
D SCANA CORP                     COM              805898103       36     1336 SH       OTHER                  1336        0        0
D SCHERING PLOUGH CORP           COM              806605101      564    13300 SH       SOLE                      0        0    13300
D SCHERING PLOUGH CORP           COM              806605101      233     5500 SH       OTHER                  5500        0        0
D SCHLUMBERGER LTD               COM              806857108      490     8725 SH       SOLE                   6000        0     2725
D SCHLUMBERGER LTD               COM              806857108       39      700 SH       OTHER                   700        0        0
D SCHWAB CHARLES CORP NEW        COM              808513105     1368    35775 SH       SOLE                  22075        0    13700
D SCHWAB CHARLES CORP NEW        COM              808513105      193     5050 SH       OTHER                  5050        0        0
D SCOTTISH PWR PLC               SPON ADR FINAL   81013T705       19      696 SH       OTHER                   696        0        0
D SEACOAST BKG CORP FLA          CL A             811707108       26      900 SH       OTHER                   900        0        0
D SEAGATE TECHNOLOGY             COM              811804103        7      150 SH       OTHER                     0        0      150
D SEAGRAM LTD                    COM              811850106      828    18508 SH       SOLE                  14133        0     4375
D SEAGRAM LTD                    COM              811850106      292     6525 SH       OTHER                  6175        0      350
D SEAGRAM LTD                    PFD ADJ CV SEC   811850205       41      900 SH       OTHER                   900        0        0
D SEALED AIR CORP NEW            PFD CV A $2      81211K209       34      665 SH       SOLE                    665        0        0
D SEALED AIR CORP NEW            PFD CV A $2      81211K209       13      250 SH       OTHER                     0        0      250
D SEARS ROEBUCK & CO             COM              812387108       35     1140 SH       SOLE                      0        0     1140
D SEARS ROEBUCK & CO             COM              812387108        2       50 SH       OTHER                     0        0       50
D SEMPRA ENERGY                  COM              816851109       23     1300 SH       SOLE                      0        0     1300
D SHANDONG HUANENG PWR DEV LTD   SPON ADR N       819419102        1      300 SH       OTHER                   300        0        0
D SHARED MED SYS CORP            COM              819486101       51     1000 SH       SOLE                      0        0     1000
D SHERWIN WILLIAMS CO            COM              824348106      691    32918 SH       SOLE                      0        0    32918
D SIGMA ALDRICH CORP             COM              826552101       30     1000 SH       OTHER                  1000        0        0
D SMITHKLINE BEECHAM PLC         ADR REP ORD      832378301      788    12282 SH       SOLE                   1250        0    11032
D SOLECTRON CORP                 COM              834182107     3911    41110 SH       SOLE                  24010        0    17100
D SOLECTRON CORP                 COM              834182107      713     7500 SH       OTHER                  5900        0     1600
D SOLUTIA INC                    COM              834376105        9      580 SH       SOLE                     80        0      500
D SONOCO PRODS CO                COM              835495102       75     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       85      300 SH       SOLE                    300        0        0
D SOUTHERN CO                    COM              842587107      136     5774 SH       SOLE                   3174        0     2600
D SOUTHERN CO                    COM              842587107       37     1590 SH       OTHER                  1590        0        0
D SPRINT CORP                    COM FON GROUP    852061100      175     2600 SH       SOLE                   2600        0        0
D SPRINT CORP                    COM FON GROUP    852061100      444     6600 SH       OTHER                  6600        0        0
D SPRINT CORP                    PCS COM SER 1    852061506       87      850 SH       SOLE                    850        0        0
D SPRINT CORP                    PCS COM SER 1    852061506      154     1500 SH       OTHER                  1500        0        0
D STARWOOD HOTELS&RESORTS WRLDWD PAIRED CTF       85590A203       21      904 SH       SOLE                      0        0      904
D STURM RUGER & CO INC           COM              864159108        3      340 SH       OTHER                   340        0        0
D SUBURBAN PROPANE PARTNERS L P  UNIT LTD PARTN   864482104       43     2482 SH       SOLE                      0        0     2482
D SUN MICROSYSTEMS INC           COM              866810104      834    10766 SH       SOLE                   9066        0     1700
D SUN MICROSYSTEMS INC           COM              866810104      256     3300 SH       OTHER                  3300        0        0
D SYSCO CORP                     COM              871829107       32      800 SH       OTHER                   800        0        0
D TCW CONV SECS FD INC           COM              872340104       52     5400 SH       SOLE                   5400        0        0
D TECO ENERGY INC                COM              872375100       11      600 SH       OTHER                   600        0        0
D TECH DATA CORP                 COM              878237106        3      100 SH       OTHER                     0        0      100
D TELEFONICA S A                 SPONSORED ADR    879382208     1824    23138 SH       SOLE                  14533        0     8605
D TELEFONICA S A                 SPONSORED ADR    879382208      350     4440 SH       OTHER                  2850        0     1590
D TELEFONOS DE MEXICO S A        SPON ADR ORD L   879403780       34      300 SH       SOLE                    300        0        0
D TELLABS INC                    COM              879664100      113     1765 SH       SOLE                   1425        0      340
D TELLABS INC                    COM              879664100        6      100 SH       OTHER                   100        0        0
D TEXACO INC                     COM              881694103      800    14722 SH       SOLE                    400        0    14322
D TEXACO INC                     COM              881694103      103     1900 SH       OTHER                  1600        0      300
D TEXAS INSTRS INC               COM              882508104     1160    12000 SH       SOLE                      0        0    12000
D TEXAS INSTRS INC               COM              882508104       58      600 SH       OTHER                   600        0        0
D TEXAS UTILS CO                 COM              882848104      206     5800 SH       SOLE                   3500        0     2300
D TEXAS UTILS CO                 COM              882848104       67     1879 SH       OTHER                   500        0     1379
D TEXTRON INC                    COM              883203101       31      400 SH       SOLE                    400        0        0
D THERMO ELECTRON CORP           COM              883556102      169    11285 SH       SOLE                  11285        0        0
D THERMO ELECTRON CORP           COM              883556102        3      200 SH       OTHER                   200        0        0
D THOMAS & BETTS CORP            COM              884315102       32     1000 SH       OTHER                     0        0     1000
D 3COM CORP                      COM              885535104       47     1000 SH       SOLE                      0        0     1000
D TIDEWATER INC                  COM              886423102        5      150 SH       SOLE                      0        0      150
D TIME WARNER INC                COM              887315109      141     1950 SH       SOLE                   1150        0      800
D TIME WARNER INC                COM              887315109       36      500 SH       OTHER                   500        0        0
D TOTAL FINA S A                 SPONSORED ADR    89151E109      449     6480 SH       SOLE                   4405        0     2075
D TOTAL FINA S A                 SPONSORED ADR    89151E109      164     2375 SH       OTHER                  2125        0      250
D TRICON GLOBAL RESTAURANTS      COM              895953107      105     2712 SH       SOLE                    300        0     2412
D TRIQUINT SEMICONDUCTOR INC     COM              89674K103      278     2500 SH       OTHER                  2500        0        0
D TUPPERWARE CORP                COM              899896104        5      300 SH       SOLE                      0        0      300
D TYCO INTL LTD NEW              COM              902124106      605    15514 SH       SOLE                      0        0    15514
D TYSON FOODS INC                CL A             902494103        2      125 SH       OTHER                     0        0      125
D USX MARATHON GROUP             PFD CONV 6.50%   902905819       39      900 SH       SOLE                    900        0        0
D U S B HLDG INC                 COM              902910108       20     1242 SH       OTHER                     0        0     1242
D UNICOM CORP                    COM              904911104       34     1000 SH       OTHER                  1000        0        0
D UNION CARBIDE CORP             COM              905581104       27      400 SH       SOLE                    400        0        0
D UNION CARBIDE CORP             COM              905581104        7      100 SH       OTHER                     0        0      100
D UNION PAC CORP                 COM              907818108       79     1800 SH       SOLE                   1000        0      800
D UNISYS CORP                    COM              909214108       27      834 SH       OTHER                   834        0        0
D UNITED PARCEL SERVICE INC      CL B             911312106      134     1935 SH       SOLE                   1200        0      735
D UNITED PARCEL SERVICE INC      CL B             911312106      107     1550 SH       OTHER                  1550        0        0
D U S WEST INC NEW               COM              91273H101      144     1996 SH       SOLE                    129        0     1867
D U S WEST INC NEW               COM              91273H101      101     1409 SH       OTHER                  1409        0        0
D UNITED TECHNOLOGIES CORP       COM              913017109      103     1578 SH       SOLE                   1578        0        0
D UNITED WTR RES INC             COM              913190104      209     6100 SH       SOLE                   6100        0        0
D UNITED WTR RES INC             COM              913190104      144     4218 SH       OTHER                  4218        0        0
D UNOCAL CORP                    COM              915289102       69     2064 SH       SOLE                   2064        0        0
D UNUMPROVIDENT CORP             COM              91529Y106       19      600 SH       SOLE                    400        0      200
D UTILICORP UTD INC              COM              918005109        1       36 SH       OTHER                    36        0        0
D V F CORP                       COM              918204108        2       75 SH       OTHER                     0        0       75
D VAN KAMPEN TR INVT GRADE MUNS  COM              920929106       20     1500 SH       SOLE                   1500        0        0
D VAN KAMPEN INCOME TR           SH BEN INT       920957107       17     3000 SH       OTHER                  3000        0        0
D VAN KAMPEN VALUE MUN INCOME TR COM              921132106        8      667 SH       SOLE                    667        0        0
D VERTEX PHARMACEUTICALS INC     COM              92532F100       35     1000 SH       OTHER                  1000        0        0
D VIAD CORP                      COM              92552R109       28     1000 SH       SOLE                      0        0     1000
D VLASIC FOODS INTL INC          COM              928559103        3      500 SH       OTHER                   500        0        0
D VODAFONE AIRTOUCH PLC          SPONSORED ADR    92857T107     1468    29650 SH       SOLE                   9335        0    20315
D VODAFONE AIRTOUCH PLC          SPONSORED ADR    92857T107      915    18480 SH       OTHER                 18480        0        0
D VOYAGEUR FLA INSD MUN INCOME   SH BEN INT       928926104        8      700 SH       SOLE                    700        0        0
D VULCAN MATLS CO                COM              929160109      130     3250 SH       OTHER                     0        0     3250
D WICOR INC                      COM              929253102        6      200 SH       OTHER                   200        0        0
D WPS RESOURCES CORP             COM              92931B106       21      850 SH       SOLE                    850        0        0
D WPS RESOURCES CORP             COM              92931B106       34     1350 SH       OTHER                  1350        0        0
D WACHOVIA CORP                  COM              929771103       68     1000 SH       OTHER                  1000        0        0
D WAL MART STORES INC            COM              931142103      169     2450 SH       SOLE                   1050        0     1400
D WAL MART STORES INC            COM              931142103       48      700 SH       OTHER                   700        0        0
D WALGREEN CO                    COM              931422109       29     1000 SH       SOLE                      0        0     1000
D WALGREEN CO                    COM              931422109      814    27825 SH       OTHER                 27825        0        0
D WEINGARTEN RLTY INVS           SH BEN INT       948741103       12      300 SH       SOLE                      0        0      300
D WELLS FARGO & CO NEW           COM              949746101       53     1300 SH       SOLE                      0        0     1300
D WESTVACO CORP                  COM              961548104        3      100 SH       OTHER                     0        0      100
D WEYERHAEUSER CO                COM              962166104       22      300 SH       SOLE                    300        0        0
D WEYERHAEUSER CO                COM              962166104       43      600 SH       OTHER                   600        0        0
D WILLIAMS COS INC DEL           COM              969457100     1699    55586 SH       SOLE                  30541        0    25045
D WILLIAMS COS INC DEL           COM              969457100      494    16175 SH       OTHER                 12175        0     4000
D WILLIAMS SONOMA INC            COM              969904101     1342    29175 SH       SOLE                  18675        0    10500
D WILLIAMS SONOMA INC            COM              969904101      216     4700 SH       OTHER                  4700        0        0
D WIND RIVER SYSTEMS INC         COM              973149107       37     1000 SH       SOLE                      0        0     1000
D WISCONSIN ENERGY CORP          COM              976657106        4      200 SH       SOLE                    200        0        0
D WISCONSIN ENERGY CORP          COM              976657106       89     4600 SH       OTHER                  4500        0      100
D WRIGLEY WM JR CO               COM              982526105       12      150 SH       OTHER                   150        0        0
D XILINX INC                     COM              983919101        9      200 SH       SOLE                      0        0      200
D XEROX CORP                     COM              984121103      546    24085 SH       SOLE                  16885        0     7200
D XEROX CORP                     COM              984121103       96     4250 SH       OTHER                  3250        0     1000
D YAHOO INC                      COM              984332106      869     2008 SH       SOLE                   1408        0      600
D YAHOO INC                      COM              984332106      188      435 SH       OTHER                   385        0       50
D ZIONS BANCORPORATION           COM              989701107       18      300 SH       OTHER                   300        0        0
S REPORT SUMMARY                646 DATA RECORDS              241744            0 OTHER MANAGERS ON WHOSE BEHALF REPORT IS FILED
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