<TABLE>
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
<C> <C>
D DAIMLER CHRYSLER AG D1668R123 2219 30350 SH SOLE 24308 379 5663
D DAIMLER CHRYSLER AG D1668R123 194 2652 SH SHARED 1278 251 1123
D DAIMLER CHRYSLER AG D1668R123 49 673 SH OTHER 493 180
D AFLAC INC 001055102 758 16765 SH SOLE 16765
D AFLAC INC 001055102 763 16874 SH SHARED 16874
D AFLAC INC 001055102 136 3000 SH OTHER 3000
D AMR CORP DE 001765106 718 11425 SH SOLE 10725 700
D AT&T CORP 001957109 8164 172090 SH SOLE 142969 300 28821
D AT&T CORP 001957109 936 19721 SH SHARED 12431 5590 1700
D AT&T CORP 001957109 278 5860 SH OTHER 2632 3228
D AT&T CORP LIBERTY MEDIA GROUP C 001957208 378 9597 SH SOLE 9597
D AT&T CORP LIBERTY MEDIA GROUP C 001957208 4 100 SH SHARED 100
D AT&T CORP LIBERTY MEDIA GROUP C 001957208 89 2250 SH OTHER 2250
D AW COMPUTER SYSTEMS INC CLASS A 002448108 54400 SH OTHER 54400
D AXA FINANCIAL INC 002451102 197 6778 SH SOLE 6778
D AXA FINANCIAL INC 002451102 6 200 SH SHARED 200
D AXA FINANCIAL INC 002451102 22 767 SH OTHER 767
D ABB AB SPONSORED ADR 00256Q103 245 18158 SH SOLE 17790 368
D ABBOTT LABORATORIES 002824100 3207 78570 SH SOLE 74150 600 3820
D ABBOTT LABORATORIES 002824100 178 4360 SH SHARED 4360
D ABBOTT LABORATORIES 002824100 239 5850 SH OTHER 600 5250
D AEGON NV 007924103 206 2369 SH SOLE 2369
D AEGON NV 007924103 25 287 SH SHARED 287
D AETNA INC 008117103 466 8869 SH SOLE 8762 107
D AETNA INC 008117103 4 84 SH SHARED 84
D AGRIBRANDS INTL INC 00849R105 201 3954 SH SOLE 3954
D AGRIBRANDS INTL INC 00849R105 5 101 SH SHARED 101
D ALBERTSONS INC 013104104 75 1821 SH SOLE 1821
D ALBERTSONS INC 013104104 4 100 SH SHARED 100
D ALBERTSONS INC 013104104 208 5040 SH OTHER 5040
D ALCOA INC 013817101 369 5980 SH SOLE 5780 200
D ALCOA INC 013817101 47 760 SH SHARED 160 600
D ALCOA INC 013817101 68 1100 SH OTHER 700 400
D ALLEGHENY ENERGY INC 017361106 307 9627 SH SOLE 6827 2800
D ALLEGHENY ENERGY INC 017361106 19 600 SH SHARED 600
D ALLEGHENY ENERGY INC 017361106 51 1600 SH OTHER 1600
D ALLIANT CORP 018802108 388 14088 SH SOLE 13561 527
D ALLIANT CORP 018802108 155 5622 SH SHARED 4722 900
D ALLIED SIGNAL INC 019512102 1218 19871 SH SOLE 19052 819
D ALLIED SIGNAL INC 019512102 8 134 SH SHARED 134
D ALLIED SIGNAL INC 019512102 49 800 SH OTHER 800
D ALLMERICA FINANCIAL CORP 019754100 346 7099 SH SOLE 7099
D ALLSTATE CORP 020002101 1280 54304 SH SOLE 51058 92 3154
D ALLSTATE CORP 020002101 108 4588 SH SHARED 2488 900 1200
D ALLSTATE CORP 020002101 5 232 SH OTHER 232
D ALLTEL CORP 020039103 214 2868 SH SOLE 2623 245
D ALLTEL CORP 020039103 462 6200 SH OTHER 6200
D AMEREN CORP 023608102 2385 62551 SH SOLE 61224 1327
D AMEREN CORP 023608102 169 4437 SH SHARED 3025 1412
D AMEREN CORP 023608102 58 1517 SH OTHER 206 1311
D AMERICA ONLINE INC 02364J104 1743 14311 SH SOLE 10011 1000 3300
D AMERICA ONLINE INC 02364J104 319 2615 SH SHARED 2100 515
D AMERICA ONLINE INC 02364J104 149 1220 SH OTHER 750 470
D AMERICAN ELECTRIC POWER INC 025537101 274 7925 SH SOLE 6125 1800
D AMERICAN ELECTRIC POWER INC 025537101 88 2531 SH SHARED 424 2107
D AMERICAN ELECTRIC POWER INC 025537101 17 500 SH OTHER 500
D AMERICAN EXPRESS CO 025816109 2214 14791 SH SOLE 13491 1300
D AMERICAN EXPRESS CO 025816109 883 5900 SH SHARED 4050 1850
D AMERICAN EXPRESS CO 025816109 419 2800 SH OTHER 100 2700
D AMERICAN GENERAL CORP 026351106 463 6848 SH SOLE 6848
D AMERICAN HOME PRODUCTS CORP 026609107 8730 172879 SH SOLE 166343 1168 5368
D AMERICAN HOME PRODUCTS CORP 026609107 1487 29440 SH SHARED 23000 4040 2400
D AMERICAN HOME PRODUCTS CORP 026609107 242 4800 SH OTHER 2400 2400
D AMERICAN INTERNATIONAL GROUP IN 026874107 2206 23420 SH SOLE 22108 1312
D AMERICAN INTERNATIONAL GROUP IN 026874107 775 8229 SH OTHER 968 7261
D AMERICAN SAVINGS BANK NY 029404100 1 65000 SH SOLE 65000
D AMERITECH CORP NEW 030954101 9885 144841 SH SOLE 124897 19944
D AMERITECH CORP NEW 030954101 1544 22628 SH SHARED 18904 3604 120
D AMERITECH CORP NEW 030954101 491 7194 SH OTHER 4940 2254
D AMGEN INC 031162100 6009 67900 SH SOLE 49100 18800
D AMGEN INC 031162100 226 2550 SH SHARED 1150 1400
D AMGEN INC 031162100 57 640 SH OTHER 240 400
D ANHEUSER BUSCH COS INC 035229103 5873 83378 SH SOLE 80478 2900
D ANHEUSER BUSCH COS INC 035229103 1461 20736 SH SHARED 17336 2000 1400
D ANHEUSER BUSCH COS INC 035229103 63 900 SH OTHER 900
D AON CORP 037389103 256 8842 SH SOLE 8842
D AON CORP 037389103 7 226 SH SHARED 226
D APPLIED MATERIALS INC 038222105 880 10700 SH SOLE 10500 200
D APPLIED MATERIALS INC 038222105 82 1000 SH SHARED 1000
D APPLIED MATERIALS INC 038222105 41 500 SH OTHER 100 400
D ARCHER DANIELS MIDLAND CO 039483102 14688 1175069 SH SOLE 1151947 23122
D ARCHER DANIELS MIDLAND CO 039483102 83 6620 SH SHARED 4396 2014 209
D ARCHER DANIELS MIDLAND CO 039483102 93 7411 SH OTHER 3320 441 3650
D ASHLAND INC 044204105 154 4600 SH SOLE 4600
D ASHLAND INC 044204105 26 787 SH SHARED 65 722
D ASHLAND INC 044204105 36 1076 SH OTHER 1076
D ASSOCIATES FIRST CAPITAL CORP 046008108 921 23682 SH SOLE 13746 9936
D ASSOCIATES FIRST CAPITAL CORP 046008108 28 726 SH SHARED 726
D ASSOCIATES FIRST CAPITAL CORP 046008108 22 567 SH OTHER 214 353
D ATLANTIC RICHFIELD CO 048825103 4589 53628 SH SOLE 41248 12380
D ATLANTIC RICHFIELD CO 048825103 325 3800 SH SHARED 2400 1400
D ATLANTIC RICHFIELD CO 048825103 34 400 SH OTHER 400
D AUTOMATIC DATA PROCESSING INC 053015103 1467 32504 SH SOLE 15904 16600
D AUTOMATIC DATA PROCESSING INC 053015103 59 1300 SH OTHER 700 600
D BP AMOCO PLC 055622104 4763 90194 SH SOLE 84630 5564
D BP AMOCO PLC 055622104 656 12420 SH SHARED 10185 2235
D BP AMOCO PLC 055622104 231 4383 SH OTHER 100 4283
D BMC SOFTWARE INC 055921100 204 3400 SH SOLE 3400
D BMC SOFTWARE INC 055921100 12 200 SH SHARED 200
D BMC SOFTWARE INC 055921100 54 900 SH OTHER 900
D BANK AMERICA CORP 060505104 7827 139775 SH SOLE 112065 900 26810
D BANK AMERICA CORP 060505104 961 17163 SH SHARED 15111 1852 200
D BANK AMERICA CORP 060505104 109 1953 SH OTHER 406 1547
D BANK ONE CORP 06423A103 2289 63924 SH SOLE 49884 14040
D BANK ONE CORP 06423A103 414 11547 SH SHARED 8978 2027 542
D BANK ONE CORP 06423A103 140 3900 SH OTHER 3900
D BANKBOSTON CORP 06605R106 589 13572 SH SOLE 13572
D BANKBOSTON CORP 06605R106 9 200 SH SHARED 200
D BAXTER INTERNATIONAL INC 071813109 692 10612 SH SOLE 10612
D BAXTER INTERNATIONAL INC 071813109 91 1400 SH SHARED 1200 200
D BAXTER INTERNATIONAL INC 071813109 111 1700 SH OTHER 1700
D BELL ATLANTIC CORP 077853109 3816 57006 SH SOLE 38717 2494 15795
D BELL ATLANTIC CORP 077853109 731 10920 SH SHARED 6299 4481 140
D BELL ATLANTIC CORP 077853109 159 2378 SH OTHER 2026 352
D BELLSOUTH CORP 079860102 7668 177304 SH SOLE 154456 2814 20034
D BELLSOUTH CORP 079860102 1718 39712 SH SHARED 29832 8500 1380
D BELLSOUTH CORP 079860102 362 8378 SH OTHER 4992 3386
D BERGEN BRUNSWIG CORP CLASS A 083739102 210 20000 SH SOLE 19100 900
D BERGEN BRUNSWIG CORP CLASS A 083739102 78 7462 SH OTHER 7462
D BERKSHIRE HATHAWAY INC DE 084670108 2843 46 SH SOLE 46
D BERKSHIRE HATHAWAY INC 084670207 761 397 SH SOLE 72 325
D BERKSHIRE HATHAWAY INC 084670207 10 5 SH SHARED 5
D BESTFOODS INC 08658U101 2234 44294 SH SOLE 42994 1300
D BESTFOODS INC 08658U101 267 5300 SH SHARED 5100 200
D BESTFOODS INC 08658U101 479 9500 SH OTHER 9500
D BIOGEN INC 090597105 331 3930 SH SOLE 3730 200
D BOLLMEIER CONSTRUCTION CO 096997Z95 349 462 SH SHARED 462
D BOEING CO 097023105 1667 39700 SH SOLE 33800 5900
D BOEING CO 097023105 54 1288 SH SHARED 788 500
D BOEING CO 097023105 4 100 SH OTHER 100
D BOSTON SCIENTIFIC CORP 101137107 53 2100 SH SOLE 2100
D BOSTON SCIENTIFIC CORP 101137107 329 13000 SH OTHER 13000
D BRIGGS & STRATTON CORP 109043109 529 9267 SH SOLE 5667 3600
D BRISTOL MYERS SQUIBB CO 110122108 27854 366802 SH SOLE 327370 1200 38232
D BRISTOL MYERS SQUIBB CO 110122108 4516 59467 SH SHARED 49312 5355 4800
D BRISTOL MYERS SQUIBB CO 110122108 1039 13676 SH OTHER 800 12876
D BURLINGTON NORTHERN SANTA FE CO 12189T104 1005 36461 SH SOLE 34636 600 1225
D BURLINGTON NORTHERN SANTA FE CO 12189T104 193 7008 SH SHARED 6708 300
D BURLINGTON NORTHERN SANTA FE CO 12189T104 66 2400 SH OTHER 2400
D BURTON M FIELD FAMILY INC 12198*107 192 11000 SH SHARED 11000
D BURLINGTON RESOURCES INC 122014103 280 7717 SH SOLE 6642 1075
D BURLINGTON RESOURCES INC 122014103 49 1350 SH SHARED 1350
D BURLINGTON RESOURCES INC 122014103 264 7294 SH OTHER 1394 5900
D CBS CORP 12490K107 255 5324 SH SOLE 5324
D CBS CORP 12490K107 144 3000 SH SHARED 3000
D CBS CORP 12490K107 14 300 SH OTHER 100 200
D CIGNA CORP 125509109 665 9328 SH SOLE 9242 86
D CIGNA CORP 125509109 21 300 SH OTHER 300
D CNB BANCSHARES INC 126126101 809 14113 SH SOLE 14113
D CSX CORP 126408103 304 7250 SH SOLE 6450 800
D CSX CORP 126408103 25 600 SH SHARED 600
D CABLEVISION SYS CORP 12686C109 310 4300 SH SOLE 4300
D CARDINAL HEALTH INC 14149Y108 733 13581 SH SOLE 10181 3400
D CARDINAL HEALTH INC 14149Y108 55 1026 SH SHARED 926 100
D CARDINAL HEALTH INC 14149Y108 41 750 SH OTHER 150 600
D CARNIVAL CORP 143658102 450 10250 SH SOLE 4550 5700
D CARNIVAL CORP 143658102 99 2250 SH SHARED 2200 50
D CARNIVAL CORP 143658102 215 4900 SH OTHER 4900
D CATERPILLAR INC 149123101 634 11200 SH SOLE 10500 700
D CATERPILLAR INC 149123101 3 50 SH SHARED 50
D CEDAR INVESTMENT CO 14999*104 1590 589 SH SOLE 589
D CENTEX CORP 152312104 336 12200 SH SOLE 12050 150
D CENTRAL & SOUTH WEST CORP 152357109 153 7165 SH SOLE 7165
D CENTRAL & SOUTH WEST CORP 152357109 60 2800 SH SHARED 2000 800
D CHARTER ONE FINANCIAL INC 160903100 150 6300 SH SOLE 6300
D CHARTER ONE FINANCIAL INC 160903100 61 2575 SH OTHER 2575
D CHASE MANHATTAN CORP NEW 16161A108 4442 58785 SH SOLE 44927 400 13458
D CHASE MANHATTAN CORP NEW 16161A108 383 5067 SH SHARED 4367 700
D CHASE MANHATTAN CORP NEW 16161A108 132 1750 SH OTHER 950 800
D CHEVRON CORP 166751107 2918 34183 SH SOLE 23263 10920
D CHEVRON CORP 166751107 404 4732 SH SHARED 4732
D CHEVRON CORP 166751107 68 800 SH OTHER 200 600
D CHICAGO TITLE CORP 168228104 209 5100 SH OTHER 5100
D CINERGY CORP 172474108 208 7425 SH SOLE 7425
D CINERGY CORP 172474108 17 613 SH SHARED 613
D CINERGY CORP 172474108 13 462 SH OTHER 462
D CISCO SYSTEMS INC 17275R102 9169 127684 SH SOLE 91850 3314 32520
D CISCO SYSTEMS INC 17275R102 355 4950 SH SHARED 4550 300 100
D CISCO SYSTEMS INC 17275R102 361 5020 SH OTHER 600 4420
D CITIGROUP INC 172967101 3538 75978 SH SOLE 64808 11170
D CITIGROUP INC 172967101 855 18352 SH SHARED 14977 1500 1875
D CITIGROUP INC 172967101 200 4296 SH OTHER 450 3846
D CITIZENS UTILITIES CO DELAWARE 177342201 300 26248 SH SOLE 26248
D CITIZENS UTILITIES CO DELAWARE 177342201 92 8000 SH SHARED 8000
D CLOROX CO 189054109 258 6032 SH SOLE 6032
D COASTAL CORP 190441105 1902 49394 SH SOLE 44094 5300
D COASTAL CORP 190441105 12 300 SH SHARED 300
D COASTAL CORP 190441105 27 700 SH OTHER 700
D COCA COLA CO 191216100 7054 132929 SH SOLE 127779 300 4850
D COCA COLA CO 191216100 537 10125 SH SHARED 8140 1285 700
D COCA COLA CO 191216100 1374 25894 SH OTHER 4294 21600
D COEUR D ALENE MINES CORP ID 192108AB4 23 26000 SH SOLE
D COLGATE PALMOLIVE CO 194162103 2244 42100 SH SOLE 41100 1000
D COLGATE PALMOLIVE CO 194162103 1050 19692 SH SHARED 7900 2192 9600
D COMMUNITY NATIONAL BANCORPORATI 203752**3 155 20000 SH SOLE 20000
D COMMUNITY NATIONAL BANCORPORATI 203752**3 20 2600 SH OTHER 2600
D COMPAQ COMPUTER CORP 204493100 916 42135 SH SOLE 39035 3100
D COMPAQ COMPUTER CORP 204493100 40 1859 SH SHARED 600 1259
D COMPAQ COMPUTER CORP 204493100 36 1667 SH OTHER 1167 200 300
D COMPUTER SCIENCES CORP 205363104 439 6700 SH SOLE 5700 1000
D COMPUTER SCIENCES CORP 205363104 23 350 SH SHARED 350
D COMPUTER SCIENCES CORP 205363104 242 3700 SH OTHER 500 3200
D COMPUTER SERVICES INC 20539A105 437 23010 SH SOLE 23010
D CONAGRA INC 205887102 1105 48050 SH SOLE 45450 1400 1200
D CONAGRA INC 205887102 259 11250 SH SHARED 8450 800 2000
D CONAGRA INC 205887102 23 1000 SH OTHER 1000
D CONOCO INC 208251405 832 32459 SH SOLE 31476 983
D CONOCO INC 208251405 38 1474 SH SHARED 246 1228
D CONSECO INC 208464107 863 37924 SH SOLE 35400 2524
D CONSECO INC 208464107 41 1800 SH SHARED 1000 800
D CONSECO INC 208464107 15 650 SH OTHER 650
D CONSOLIDATED EDISON INC 209115104 376 9636 SH SOLE 9636
D CONSOLIDATED EDISON INC 209115104 30 775 SH SHARED 500 275
D CONSOLIDATED EDISON INC 209115104 23 600 SH OTHER 600
D CORNING INC 219350105 147 2088 SH SOLE 1600 488
D CORNING INC 219350105 28 400 SH SHARED 400
D CORNING INC 219350105 338 4800 SH OTHER 4800
D COSTCO WHOLESALE CORP NEW 22160K105 8 100 SH SOLE 100
D COSTCO WHOLESALE CORP NEW 22160K105 330 4000 SH OTHER 4000
D COX COMMUNICATIONS INC NEW 224044107 439 10200 SH SOLE 9700 500
D DPL INC 233293109 210 11759 SH SOLE 8600 3159
D DAYTON HUDSON CORP 239753106 5942 86500 SH SOLE 63425 23075
D DAYTON HUDSON CORP 239753106 510 7425 SH SHARED 4150 2800 475
D DAYTON HUDSON CORP 239753106 505 7354 SH OTHER 2354 5000
D DEAN FOODS CO 242361103 289 6700 SH SOLE 3300 3400
D DEERE & CO 244199105 728 18325 SH SOLE 12675 5650
D DEERE & CO 244199105 21 520 SH SHARED 520
D DEERE & CO 244199105 131 3300 SH OTHER 3300
D DELL COMPUTER CORP 247025109 6628 145664 SH SOLE 114114 6200 25350
D DELL COMPUTER CORP 247025109 517 11370 SH SHARED 6100 470 4800
D DELL COMPUTER CORP 247025109 77 1700 SH OTHER 200 1500
D DELPHI AUTOMOTIVE SYS CORP 247126105 132 8121 SH SOLE 7155 966
D DELPHI AUTOMOTIVE SYS CORP 247126105 37 2265 SH SHARED 2265
D DELPHI AUTOMOTIVE SYS CORP 247126105 18 1124 SH OTHER 808 316
D DELTA AIRLINES INC DE 247361108 1443 26567 SH SOLE 25367 1200
D DELTA AIRLINES INC DE 247361108 33 600 SH SHARED 600
D DEUCALION RESEARCH INC 251468104 80000 SH SOLE 80000
D DIAGEO PLC NEW 25243Q205 307 7275 SH OTHER 7275
D DIAL CORP NEW 25247D101 901 36600 SH SOLE 34800 1800
D DIAL CORP NEW 25247D101 25 1000 SH SHARED 1000
D DIAL CORP NEW 25247D101 27 1108 SH OTHER 1108
D DISNEY WALT CO 254687106 2430 96017 SH SOLE 70261 750 25006
D DISNEY WALT CO 254687106 183 7220 SH SHARED 2620 3100 1500
D DISNEY WALT CO 254687106 111 4400 SH OTHER 4400
D DOLLAR GENERAL CORP 256669102 1050 33725 SH SOLE 32816 909
D DOLLAR GENERAL CORP 256669102 15 468 SH OTHER 468
D DOMINION RESOURCES INC VA 257470104 217 4726 SH SOLE 4588 138
D DOMINION RESOURCES INC VA 257470104 71 1550 SH OTHER 1550
D DOVER CORP 260003108 29 700 SH SOLE 300 400
D DOVER CORP 260003108 239 5800 SH OTHER 5800
D DOW CHEMICAL CO 260543103 2043 17646 SH SOLE 16040 400 1206
D DOW CHEMICAL CO 260543103 220 1900 SH SHARED 1500 400
D DOW CHEMICAL CO 260543103 98 850 SH OTHER 550 300
D DUPONT E I DE NEMOURS & CO 263534109 4557 67756 SH SOLE 58289 9467
D DUPONT E I DE NEMOURS & CO 263534109 389 5780 SH SHARED 4097 400 1284
D DUPONT E I DE NEMOURS & CO 263534109 117 1740 SH OTHER 400 1340
D DUKE POWER CO 264399106 400 7374 SH SOLE 7374
D DUKE POWER CO 264399106 33 613 SH SHARED 300 313
D DUKE POWER CO 264399106 16 300 SH OTHER 300
D E M C CORP MA 268648102 37 500 SH SOLE 300 200
D E M C CORP MA 268648102 124 1700 SH SHARED 1700
D E M C CORP MA 268648102 369 5050 SH OTHER 100 4950
D EASTMAN KODAK CO 277461109 591 7907 SH SOLE 7838 69
D EASTMAN KODAK CO 277461109 185 2475 SH SHARED 2475
D EASTMAN KODAK CO 277461109 60 804 SH OTHER 300 504
D ECKERT LAND CO LEGEND SHS 277996104 247 538 SH SHARED 538
D EATON CORP 278058102 392 4450 SH SOLE 1750 2700
D EDISON INTERNATIONAL 281020107 417 16934 SH SOLE 16934
D EDISON INTERNATIONAL 281020107 5 200 SH SHARED 200
D EDISON INTERNATIONAL 281020107 25 1000 SH OTHER 1000
D EDWARDS A G INC 281760108 16 600 SH SOLE 600
D EDWARDS A G INC 281760108 2933 109141 SH SHARED 109141
D EL PASO ENERGY CORP DE 283905107 69 1752 SH SOLE 1752
D EL PASO ENERGY CORP DE 283905107 83 2100 SH SHARED 2100
D EL PASO ENERGY CORP DE 283905107 58 1468 SH OTHER 668 800
D ELAN PLC ADR 284131208 345 10300 SH SOLE 4300 6000
D ELAN PLC ADR 284131208 101 3000 SH OTHER 3000
D ELECTRONIC ARTS 285512109 4 50 SH SHARED 50
D ELECTRONIC ARTS 285512109 236 3300 SH OTHER 3300
D ELECTRONIC DATA SYSTEMS CORP NE 285661104 396 7573 SH SOLE 6763 810
D ELECTRONIC DATA SYSTEMS CORP NE 285661104 21 400 SH SHARED 400
D ELECTRONIC DATA SYSTEMS CORP NE 285661104 334 6400 SH OTHER 6400
D EMERSON ELECTRIC CO 291011104 4086 66841 SH SOLE 60691 1000 5150
D EMERSON ELECTRIC CO 291011104 596 9754 SH SHARED 5354 800 3600
D EMERSON ELECTRIC CO 291011104 92 1500 SH OTHER 1500
D ENRON CORP 293561106 543 13950 SH SOLE 5750 8200
D ENRON CORP 293561106 514 13192 SH SHARED 11392 1800
D ENRON CORP 293561106 646 16600 SH OTHER 16000 600
D ENTERGY CORP NEW 29364G103 531 18595 SH SOLE 18240 355
D ENTERGY CORP NEW 29364G103 11 400 SH SHARED 400
D EQUITY INCOME FUND UNIT FIRST 294700703 214 1075 SH SOLE 1050 25
D EXXON CORP 302290101 24058 330699 SH SOLE 296937 3000 30762
D EXXON CORP 302290101 3337 45876 SH SHARED 39086 5390 1400
D EXXON CORP 302290101 959 13188 SH OTHER 4744 8444
D FPL GROUP INC 302571104 760 15105 SH SOLE 14505 600
D FPL GROUP INC 302571104 207 4106 SH SHARED 4106
D FPL GROUP INC 302571104 5 100 SH OTHER 100
D FCNB CORP 302920103 1192 64445 SH SOLE 64445
D FARMERS BANCORP FRANKFORT IN 30887A102 381 8104 SH SOLE 6104 2000
D FARMERS CAP BK CORP 309562106 767 21600 SH SOLE 21600
D FDX CORP 31304N107 229 5422 SH SOLE 5422
D FDX CORP 31304N107 17 400 SH SHARED 300 100
D FDX CORP 31304N107 186 4400 SH OTHER 4400
D FEDERAL HOME LOAN MORTGAGE CORP 313400301 765 14400 SH SOLE 3500 600 10300
D FEDERAL HOME LOAN MORTGAGE CORP 313400301 53 1000 SH OTHER 1000
D FEDERAL NATIONAL MORTGAGE ASSN 313586109 957 14340 SH SOLE 13070 1270
D FEDERAL NATIONAL MORTGAGE ASSN 313586109 60 900 SH SHARED 900
D FEDERAL NATIONAL MORTGAGE ASSN 313586109 73 1100 SH OTHER 100 200 800
D FIRST AFFILIATED BANCORP INC 317999100 1096 26107 SH OTHER 26107
D FIRST AMERICAN CORP TN 318900107 259 5936 SH SOLE 5936
D FIRST AMERICAN ADJ RATE MORTGAG 318929874 102 12687 SH SOLE 12687
D FIRST DATA CORP 319963104 435 9156 SH OTHER 9156
D FIRST DECATUR BANCSHARES INC 320901101 356 10963 SH SOLE 10963
D FIRST WATERLOO BANCSHARES INC 334995107 260 929 SH SOLE 929
D FIRST STATE BANCORP INC COM STK 336585104 458 2662 SH SOLE 2662
D FIRST TENN NATL CORP 337162101 686 22140 SH SOLE 22140
D FIRST TENN NATL CORP 337162101 348 11232 SH OTHER 11232
D FIRST UNION CORP 337358105 1188 30503 SH SOLE 28603 1900
D FIRST UNION CORP 337358105 89 2297 SH SHARED 1200 900 197
D FIRST UNION CORP 337358105 165 4248 SH OTHER 4248
D FIRSTAR CORP NEW WIS 33763V109 2357 88306 SH SOLE 69639 18667
D FIRSTAR CORP NEW WIS 33763V109 427 16002 SH SHARED 5717 8968 1317
D FIRSTAR CORP NEW WIS 33763V109 169 6327 SH OTHER 6327
D FLEET FINANCIAL GROUP INC NEW 338915101 654 16566 SH SOLE 16566
D FLEET FINANCIAL GROUP INC NEW 338915101 8 200 SH SHARED 200
D FLEET FINANCIAL GROUP INC NEW 338915101 95 2400 SH OTHER 2400
D FLORIDA PROGRESS CORP 341109106 303 6610 SH SOLE 6610
D FLORIDA PROGRESS CORP 341109106 12 255 SH SHARED 255
D FLORIDA PROGRESS CORP 341109106 27 600 SH OTHER 600
D FORD MOTOR CO DEL 345370100 3449 66171 SH SOLE 52319 13852
D FORD MOTOR CO DEL 345370100 169 3250 SH SHARED 1700 550 1000
D FORD MOTOR CO DEL 345370100 89 1703 SH OTHER 412 1291
D FORTUNE BRANDS INC 349631101 539 15742 SH SOLE 15542 200
D FORTUNE BRANDS INC 349631101 103 3000 SH SHARED 3000
D FORTUNE BRANDS INC 349631101 14 400 SH OTHER 400
D GPU INC 36225X100 195 5925 SH SOLE 4225 1700
D GPU INC 36225X100 26 800 SH SHARED 400 400
D GTE CORP 362320103 9663 126522 SH SOLE 112923 126 13473
D GTE CORP 362320103 1497 19603 SH SHARED 16703 2900
D GTE CORP 362320103 351 4600 SH OTHER 1100 3500
D GALLAHER GROUP PLC 363595109 310 11478 SH SOLE 11478
D GALLAHER GROUP PLC 363595109 11 400 SH OTHER 400
D GANNETT INC 364730101 310 4300 SH SOLE 3700 600
D GANNETT INC 364730101 29 400 SH OTHER 400
D GAP INC 364760108 76 2003 SH SOLE 1903 100
D GAP INC 364760108 293 7700 SH OTHER 7700
D GATEWAY INC 367626108 2556 49400 SH SOLE 42600 6800
D GENERAL ELECTRIC CO 369604103 48480 388620 SH SOLE 361010 3350 24260
D GENERAL ELECTRIC CO 369604103 9690 77678 SH SHARED 47904 26414 3360
D GENERAL ELECTRIC CO 369604103 2340 18758 SH OTHER 6250 100 12408
D GENERAL MILLS INC 370334104 1112 13283 SH SOLE 11033 2250
D GENERAL MILLS INC 370334104 75 900 SH SHARED 900
D GENERAL MILLS INC 370334104 50 600 SH OTHER 600
D GENERAL MOTORS CORP 370442105 894 13279 SH SOLE 12179 1100
D GENERAL MOTORS CORP 370442105 239 3545 SH SHARED 3245 300
D GENERAL MOTORS CORP 370442105 109 1614 SH OTHER 1160 454
D GEORGIA PACIFIC CORP 373298108 846 20520 SH SOLE 18720 1800
D GEORGIA PACIFIC CORP 373298108 165 4000 SH SHARED 2400 800 800
D GEORGIA PACIFIC CORP 373298108 50 1200 SH OTHER 1200
D GILLETTE CO 375766102 6329 164929 SH SOLE 154529 10400
D GILLETTE CO 375766102 395 10300 SH SHARED 8200 2100
D GILLETTE CO 375766102 484 12600 SH OTHER 200 12400
D GLAXO WELLCOME PLC SPONSORED AD 37733W105 398 7050 SH SOLE 6450 600
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D WEYERHAUSER CO 962166104 12 200 SH SHARED 200
D WISCONSIN ENERGY CORP 976657106 318 13720 SH SOLE 13720
D WISCONSIN ENERGY CORP 976657106 23 1000 SH SHARED 1000
D WORLD WIDE BINGO INC 98152P104 11 1100000 SH SOLE 1100000
D XEROX CORP 984121103 602 18536 SH SOLE 18500 36
D XEROX CORP 984121103 39 1200 SH SHARED 1200
D XEROX CORP 984121103 52 1600 SH OTHER 1600
D MILTON J WOMACK INC 991265000 2440 10611 SH SOLE 10611
D FLINT HYDROSTATICS, INC. 994031318 2271 250 SH SOLE 250
D SAIA ELECTRIC INC COMMON STOCK 994039303 461 11522 SH SOLE 11522
S REPORT SUMMARY 724 DATA RECORDS 881224
</TABLE>