[DESCRIPTION] FORM 13F
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 06/30/1999
Check here if Amendment [ ] Amendment Number:
This Amendment [ ] is a restatement
[ ] adds new holding entries
Institutional Investment Manager Filing this Report:
Name: TRUST COMPANY OF KENTUCKY
Address: 1544 WINCHESTER AVE
ASHLAND, KY 41101
13F File Number: 28-06540
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 intergral parts of
this form.
Person Signing this Report on Behalf of Reporting Manager:
Name: SANDRA PAYNE
Title: VP & OPS MGR
Phone: (606)389-5308
Signature, Place, and Date of Signing:
SANDRA PAYNE LEXINGTON, KY 07/21/1999
Report Type (Check only one)
[X] 13F HOLDINGS REPORT
[ ] 13F NOTICE
[ ] 13F COMBINATION 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: 227
Form 13F Information Table Value Total: $ 126,494
List of Other Included Managers:
NONE
<TABLE> <C>
<C>
FORM 13F INFORMATION TABLE
TITLE VALUE SHARES/
SH/ PUT/
NAME OF ISSUER OF CLASS CUSIP (X $1000) PRN
AMOUNT PRN CALL
SECURITY NAME SUBCLASS
AT&T CORP COMMON STOCK 001957109 3728
66789 SH
AT&T CORP COMMON STOCK 001957109 135
2415 SH
AT&T CORP COMMON STOCK 001957109 98
1750 SH
AT&T CORP COMMON STOCK 001957109 23
412 SH
ABBOTT LABS COMMON STOCK 002824100 1004
22120 SH
ABBOTT LABS COMMON STOCK 002824100 64
1400 SH
ABBOTT LABS COMMON STOCK 002824100 118
2600 SH
ABBOTT LABS COMMON STOCK 002824100 11
250 SH
AEGON N V FOREIGN STOCK 007924103 26
346 SH
AEGON N V FOREIGN STOCK 007924103 203
2748 SH
ALLSTATE CORP COMMON STOCK 020002101 1740
48506 SH
ALLSTATE CORP COMMON STOCK 020002101 32
900 SH
ALLSTATE CORP COMMON STOCK 020002101 79
2200 SH
ALLSTATE CORP COMMON STOCK 020002101 18
500 SH
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 489
4445 SH
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 3
25 SH
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 220
2000 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 355
2730 SH
AMERICAN HOME PRODS CORP COMMON STOCK 026609107 2751
47945 SH
AMERICAN HOME PRODS CORP COMMON STOCK 026609107 731
12739 SH
AMERICAN HOME PRODS CORP COMMON STOCK 026609107 75
1304 SH
AMERICAN HOME PRODS CORP COMMON STOCK 026609107 11
200 SH
AMERICAN INTL GROUP INC COMMON STOCK 026874107 3125
26654 SH
AMERICAN INTL GROUP INC COMMON STOCK 026874107 23
200 SH
AMERICAN INTL GROUP INC COMMON STOCK 026874107 35
300 SH
AMERICAN INTL GROUP INC COMMON STOCK 026874107 22
187 SH
AMERITECH CORP NEW COMMON STOCK 030954101 330
4490 SH
AMERITECH CORP NEW COMMON STOCK 030954101 356
4840 SH
AMERITECH CORP NEW COMMON STOCK 030954101 22
300 SH
ASHLAND INC COMMON STOCK 044204105 498
12413 SH
ASHLAND INC COMMON STOCK 044204105 378
9420 SH
ASHLAND INC COMMON STOCK 044204105 14
350 SH
BP AMOCO PLC FOREIGN STOCK 055622104 169
1561 SH
BP AMOCO PLC FOREIGN STOCK 055622104 465
4285 SH
BANK ONE CORP COMMON STOCK 06423A103 3225
54146 SH
BANK ONE CORP COMMON STOCK 06423A103 103
1736 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 2487
38039 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 291
4454 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 44
674 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 20
300 SH
BELLSOUTH CORP COMMON STOCK 079860102 482
10456 SH
BELLSOUTH CORP COMMON STOCK 079860102 343
7429 SH
BELLSOUTH CORP COMMON STOCK 079860102 72
1568 SH
BESTFOODS INC COMMON STOCK 08658U101 669
13513 SH
BESTFOODS INC COMMON STOCK 08658U101 15
300 SH
BESTFOODS INC COMMON STOCK 08658U101 7
150 SH
BOEING CO COMMON STOCK 097023105 318
7229 SH
BOEING CO COMMON STOCK 097023105 47
1057 SH
BOEING CO COMMON STOCK 097023105 87
1974 SH
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108 504
7150 SH
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108 2046
29048 SH
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108 106
1504 SH
CBS CORP COMMON STOCK 12490K107 312
7156 SH
COCA COLA CO COMMON STOCK 191216100 1276
20580 SH
COCA COLA CO COMMON STOCK 191216100 126
2040 SH
COCA COLA CO COMMON STOCK 191216100 144
2325 SH
COCA COLA CO COMMON STOCK 191216100 17
275 SH
COMMUNITY TRUST BANCORP INC COMMON STOCK 204149108 24205
1035516 SH
COMMUNITY TRUST BANCORP INC COMMON STOCK 204149108 1386
59285 SH
COMMUNITY TRUST BANCORP INC COMMON STOCK 204149108 731
31292 SH
COMPAQ COMPUTER CORP COMMON STOCK 204493100 1621
68433 SH
COMPAQ COMPUTER CORP COMMON STOCK 204493100 21
875 SH
COMPAQ COMPUTER CORP COMMON STOCK 204493100 54
2300 SH
COMPAQ COMPUTER CORP COMMON STOCK 204493100 12
500 SH
DAYTON HUDSON CORP COMMON STOCK 239753106 2605
40070 SH
DAYTON HUDSON CORP COMMON STOCK 239753106 20
300 SH
DAYTON HUDSON CORP COMMON STOCK 239753106 20
300 SH
DAYTON HUDSON CORP COMMON STOCK 239753106 16
250 SH
DISNEY WALT CO COMMON STOCK 254687106 1091
35410 SH
DISNEY WALT CO COMMON STOCK 254687106 26
850 SH
DISNEY WALT CO COMMON STOCK 254687106 103
3350 SH
DISNEY WALT CO COMMON STOCK 254687106 12
375 SH
DOW CHEM CO COMMON STOCK 260543103 804
6336 SH
DOW CHEM CO COMMON STOCK 260543103 233
1838 SH
DOW CHEM CO COMMON STOCK 260543103 95
750 SH
DOW CHEM CO COMMON STOCK 260543103 16
125 SH
DU PONT EI DE NEMOURS & CO COMMON STOCK 263534109 92
1350 SH
DU PONT EI DE NEMOURS & CO COMMON STOCK 263534109 158
2320 SH
EMERSON ELEC CO COMMON STOCK 291011104 213
3386 SH
EMERSON ELEC CO COMMON STOCK 291011104 19
300 SH
EMERSON ELEC CO COMMON STOCK 291011104 82
1300 SH
EXXON CORP COMMON STOCK 302290101 2556
33137 SH
EXXON CORP COMMON STOCK 302290101 277
3592 SH
EXXON CORP COMMON STOCK 302290101 165
2138 SH
EXXON CORP COMMON STOCK 302290101 27
350 SH
FPL GROUP INC COMMON STOCK 302571104 793
14510 SH
FPL GROUP INC COMMON STOCK 302571104 30
550 SH
FPL GROUP INC COMMON STOCK 302571104 11
200 SH
FEDERAL HOME LN MTG CORP COMMON STOCK 313400301 88
1518 SH
FEDERAL HOME LN MTG CORP COMMON STOCK 313400301 116
2000 SH
FEDERAL NATL MTG ASSN COMMON STOCK 313586109 1209
17714 SH
FEDERAL NATL MTG ASSN COMMON STOCK 313586109 111
1625 SH
FEDERAL NATL MTG ASSN COMMON STOCK 313586109 19
275 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 159
2386 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 390
5852 SH
FEC SHARE HOLDER TRUST CONVERTIBLE PRE 320135965 0
10000 SH
FIRST UN CORP COMMON STOCK 337358105 1093
23200 SH
FIRST VA BKS INC COMMON STOCK 337477103 368
7500 SH
FORD MTR CO DEL COMMON STOCK 345370100 2338
41419 SH
FORD MTR CO DEL COMMON STOCK 345370100 23
400 SH
FORD MTR CO DEL COMMON STOCK 345370100 23
400 SH
FORD MTR CO DEL COMMON STOCK 345370100 14
250 SH
GENERAL ELEC CO COMMON STOCK 369604103 5038
44580 SH
GENERAL ELEC CO COMMON STOCK 369604103 1006
8900 SH
GENERAL ELEC CO COMMON STOCK 369604103 396
3507 SH
GENERAL ELEC CO COMMON STOCK 369604103 34
300 SH
GEORGIA PAC CORP COMMON STOCK 373298108 383
8092 SH
GILLETTE CO COMMON STOCK 375766102 567
13825 SH
GILLETTE CO COMMON STOCK 375766102 131
3200 SH
GILLETTE CO COMMON STOCK 375766102 53
1300 SH
GILLETTE CO COMMON STOCK 375766102 4
100 SH
HALLIBURTON CO COMMON STOCK 406216101 183
4034 SH
HALLIBURTON CO COMMON STOCK 406216101 18
400 SH
HALLIBURTON CO COMMON STOCK 406216101 10
228 SH
HARLEY DAVIDSON INC COMMON STOCK 412822108 239
4400 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 1782
17730 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 201
2000 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 151
1500 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 20
200 SH
HOME DEPOT INC COMMON STOCK 437076102 1136
17630 SH
HOME DEPOT INC COMMON STOCK 437076102 234
3624 SH
HOME DEPOT INC COMMON STOCK 437076102 84
1300 SH
HOME DEPOT INC COMMON STOCK 437076102 19
300 SH
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 502
6135 SH
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 74
900 SH
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 4
50 SH
INTEL CORP COMMON STOCK 458140100 1331
22363 SH
INTEL CORP COMMON STOCK 458140100 67
1120 SH
INTEL CORP COMMON STOCK 458140100 193
3250 SH
INTEL CORP COMMON STOCK 458140100 21
350 SH
INTERNATIONAL BUSINESS MACHS COMMON STOCK 459200101 125
970 SH
INTERNATIONAL BUSINESS MACHS COMMON STOCK 459200101 159
1228 SH
INTERNATIONAL BUSINESS MACHS COMMON STOCK 459200101 180
1392 SH
INTERNATIONAL PAPER CO COMMON STOCK 460146103 332
6605 SH
INTERNATIONAL PAPER CO COMMON STOCK 460146103 5
100 SH
INTERNATIONAL PAPER CO COMMON STOCK 460146103 5
100 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 235
2395 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 564
5750 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 137
1400 SH
KIMBERLY CLARK CORP COMMON STOCK 494368103 1799
31557 SH
KIMBERLY CLARK CORP COMMON STOCK 494368103 11
200 SH
LILLY ELI & CO COMMON STOCK 532457108 344
4800 SH
LILLY ELI & CO COMMON STOCK 532457108 29
400 SH
LILLY ELI & CO COMMON STOCK 532457108 29
400 SH
LUCENT TECHNOLOGIES COMMON STOCK 549463107 3562
52812 SH
LUCENT TECHNOLOGIES COMMON STOCK 549463107 104
1536 SH
LUCENT TECHNOLOGIES COMMON STOCK 549463107 147
2176 SH
MCDONALDS CORP COMMON STOCK 580135101 721
17532 SH
MCDONALDS CORP COMMON STOCK 580135101 86
2100 SH
MCDONALDS CORP COMMON STOCK 580135101 103
2500 SH
MCDONALDS CORP COMMON STOCK 580135101 8
200 SH
MEDTRONIC INC COMMON STOCK 585055106 503
6465 SH
MEDTRONIC INC COMMON STOCK 585055106 6
80 SH
MEDTRONIC INC COMMON STOCK 585055106 202
2600 SH
MEDTRONIC INC COMMON STOCK 585055106 8
100 SH
MELLON BK CORP COMMON STOCK 585509102 1892
52010 SH
MELLON BK CORP COMMON STOCK 585509102 25
700 SH
MELLON BK CORP COMMON STOCK 585509102 18
500 SH
MELLON BK CORP COMMON STOCK 585509102 22
600 SH
MERCK & CO INC COMMON STOCK 589331107 1732
23520 SH
MERCK & CO INC COMMON STOCK 589331107 210
2850 SH
MERCK & CO INC COMMON STOCK 589331107 202
2750 SH
MERCK & CO INC COMMON STOCK 589331107 26
350 SH
MICROSOFT CORP COMMON STOCK 594918104 3079
34135 SH
MICROSOFT CORP COMMON STOCK 594918104 63
700 SH
MICROSOFT CORP COMMON STOCK 594918104 451
5000 SH
MICROSOFT CORP COMMON STOCK 594918104 45
500 SH
MOBIL CORP COMMON STOCK 607059102 951
9635 SH
MOBIL CORP COMMON STOCK 607059102 462
4675 SH
MOBIL CORP COMMON STOCK 607059102 79
800 SH
MOBIL CORP COMMON STOCK 607059102 10
100 SH
MORGAN J P & CO INC PREFERRED STOCK 616880209 218
2500 SH
MOTOROLA INC COMMON STOCK 620076109 31
323 SH
MOTOROLA INC COMMON STOCK 620076109 122
1292 SH
MOTOROLA INC COMMON STOCK 620076109 52
552 SH
NATIONAL CITY CORP COMMON STOCK 635405103 219
3336 SH
NATIONAL CITY CORP COMMON STOCK 635405103 59
900 SH
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 438
14535 SH
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 206
6850 SH
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 2
75 SH
PNC BK CORP COMMON STOCK 693475105 314
5450 SH
PNC BK CORP COMMON STOCK 693475105 45
776 SH
PNC BK CORP COMMON STOCK 693475105 6
102 SH
PNC BK CORP COMMON STOCK 693475105 156
2700 SH
PEPSICO INC COMMON STOCK 713448108 221
5724 SH
PFIZER INC COMMON STOCK 717081103 821
22599 SH
PFIZER INC COMMON STOCK 717081103 523
14400 SH
PFIZER INC COMMON STOCK 717081103 105
2895 SH
PROCTOR & GAMBLE COMMON STOCK 742718109 1384
15502 SH
PROCTOR & GAMBLE COMMON STOCK 742718109 686
7686 SH
PROCTOR & GAMBLE COMMON STOCK 742718109 237
2654 SH
PROCTOR & GAMBLE COMMON STOCK 742718109 13
150 SH
PROVIDIAN FINL CORP COMMON STOCK 74406A102 81
870 SH
PROVIDIAN FINL CORP COMMON STOCK 74406A102 443
4746 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 1488
25652 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 522
9001 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 40
692 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 20
350 SH
SARA LEE CORP COMMON STOCK 803111103 194
8560 SH
SARA LEE CORP COMMON STOCK 803111103 117
5178 SH
SARA LEE CORP COMMON STOCK 803111103 65
2886 SH
SCHERING PLOUGH CORP COMMON STOCK 806605101 163
3100 SH
SCHERING PLOUGH CORP COMMON STOCK 806605101 236
4500 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 1954
30680 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 124
1947 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 40
625 SH
STUDENT LN MARKETING ASSN PREFERRED STOCK 863871208 484
10000 SH
THERMO CARDIOSYSTEMS INC COMMON STOCK 88355K200 163
15000 SH
UNITED BANKSHARES INC W VA COMMON STOCK 909907107 379
14300 SH
U S WEST INC COMMON STOCK 91273H101 81
1384 SH
U S WEST INC COMMON STOCK 91273H101 160
2722 SH
U S WEST INC COMMON STOCK 91273H101 18
304 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 1619
22490 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 14
200 SH
WACHOVIA CORP NEW COMMON STOCK 929771103 60
700 SH
WACHOVIA CORP NEW COMMON STOCK 929771103 167
1950 SH
WACHOVIA CORP NEW COMMON STOCK 929771103 43
500 SH
WACHOVIA CORP NEW COMMON STOCK 929771103 261
3050 SH
WALGREEN INC COMMON STOCK 931422109 65
2216 SH
WALGREEN INC COMMON STOCK 931422109 147
5000 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 974
22775 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 9
200 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 34
800 SH
XEROX CORP COMMON STOCK 984121103 1612
27300 SH
XEROX CORP COMMON STOCK 984121103 15
250 SH
GRUNDY FUELS, INC. COMMON STOCK 993096569 1630
500 SH
CITIZINS NATIONAL COMMON STOCK 993096585 1125
1125 SH
NAME OF ISSUER INVSTMT OTHER VOTING AUTHORITY
SECURITY NAME DISCRTN MANAGERS SOLE SHARED
NONE
AT&T CORP SOLE 66527
AT&T CORP SOLE
262
AT&T CORP DEFINED 2415
AT&T CORP OTHER 1750
AT&T CORP DEF/OTH
412
ABBOTT LABS SOLE 22120
ABBOTT LABS DEFINED 1400
ABBOTT LABS OTHER 2600
ABBOTT LABS DEF/OTH
250
AEGON N V SOLE 346
AEGON N V DEFINED 2748
ALLSTATE CORP SOLE 48181
ALLSTATE CORP SOLE
325
ALLSTATE CORP DEFINED 900
ALLSTATE CORP OTHER 2200
ALLSTATE CORP DEF/OTH
500
AMERICA ONLINE INC DEL SOLE 4445
AMERICA ONLINE INC DEL DEFINED 25
AMERICA ONLINE INC DEL OTHER 2000
AMERICAN EXPRESS CO SOLE 2730
AMERICAN HOME PRODS CORP SOLE 47770
AMERICAN HOME PRODS CORP SOLE
175
AMERICAN HOME PRODS CORP DEFINED 12739
AMERICAN HOME PRODS CORP OTHER 1304
AMERICAN HOME PRODS CORP DEF/OTH
200
AMERICAN INTL GROUP INC SOLE 26529
AMERICAN INTL GROUP INC SOLE
125
AMERICAN INTL GROUP INC DEFINED 200
AMERICAN INTL GROUP INC OTHER 300
AMERICAN INTL GROUP INC DEF/OTH
187
AMERITECH CORP NEW SOLE 4490
AMERITECH CORP NEW DEFINED 4840
AMERITECH CORP NEW OTHER 300
ASHLAND INC SOLE 12413
ASHLAND INC DEFINED 9420
ASHLAND INC OTHER 350
BP AMOCO PLC SOLE 1561
BP AMOCO PLC DEFINED 4285
BANK ONE CORP SOLE 54146
BANK ONE CORP DEF/OTH
1736
BELL ATLANTIC CORP SOLE 37789
BELL ATLANTIC CORP SOLE
250
BELL ATLANTIC CORP DEFINED 4454
BELL ATLANTIC CORP OTHER 674
BELL ATLANTIC CORP DEF/OTH
300
BELLSOUTH CORP SOLE 10456
BELLSOUTH CORP DEFINED 7429
BELLSOUTH CORP OTHER 1568
BESTFOODS INC SOLE 13513
BESTFOODS INC DEFINED 300
BESTFOODS INC DEF/OTH
150
BOEING CO SOLE 7229
BOEING CO DEFINED 1057
BOEING CO OTHER 1974
BRISTOL-MYERS SQUIBB CO SOLE 6950
BRISTOL-MYERS SQUIBB CO SOLE
200
BRISTOL-MYERS SQUIBB CO DEFINED 29048
BRISTOL-MYERS SQUIBB CO OTHER 1504
CBS CORP SOLE 7156
COCA COLA CO SOLE 20580
COCA COLA CO DEFINED 2040
COCA COLA CO OTHER 2325
COCA COLA CO DEF/OTH
275
COMMUNITY TRUST BANCORP INC SOLE 329365
COMMUNITY TRUST BANCORP INC SOLE
706151
COMMUNITY TRUST BANCORP INC DEFINED 1584
COMMUNITY TRUST BANCORP INC DEFINED
57701
COMMUNITY TRUST BANCORP INC DEF/OTH
31292
COMPAQ COMPUTER CORP SOLE 67983
COMPAQ COMPUTER CORP SOLE
450
COMPAQ COMPUTER CORP DEFINED 875
COMPAQ COMPUTER CORP OTHER 2300
COMPAQ COMPUTER CORP DEF/OTH
500
DAYTON HUDSON CORP SOLE 39895
DAYTON HUDSON CORP SOLE
175
DAYTON HUDSON CORP DEFINED 300
DAYTON HUDSON CORP OTHER 300
DAYTON HUDSON CORP DEF/OTH
250
DISNEY WALT CO SOLE 35410
DISNEY WALT CO DEFINED 850
DISNEY WALT CO OTHER 3350
DISNEY WALT CO DEF/OTH
375
DOW CHEM CO SOLE 6336
DOW CHEM CO DEFINED 1838
DOW CHEM CO OTHER 750
DOW CHEM CO DEF/OTH
125
DU PONT EI DE NEMOURS & CO SOLE 1350
DU PONT EI DE NEMOURS & CO DEFINED 2320
EMERSON ELEC CO SOLE 3386
EMERSON ELEC CO DEFINED 300
EMERSON ELEC CO OTHER 1300
EXXON CORP SOLE 33137
EXXON CORP DEFINED 3592
EXXON CORP OTHER 2138
EXXON CORP DEF/OTH
350
FPL GROUP INC SOLE 14510
FPL GROUP INC DEFINED 550
FPL GROUP INC DEF/OTH
200
FEDERAL HOME LN MTG CORP SOLE 1518
FEDERAL HOME LN MTG CORP DEFINED 2000
FEDERAL NATL MTG ASSN SOLE 17514
FEDERAL NATL MTG ASSN SOLE
200
FEDERAL NATL MTG ASSN OTHER 1625
FEDERAL NATL MTG ASSN DEF/OTH
275
FIFTH THIRD BANCORP SOLE 2386
FIFTH THIRD BANCORP DEFINED 5852
FEC SHARE HOLDER TRUST SOLE 10000
FIRST UN CORP SOLE
23200
FIRST VA BKS INC SOLE
7500
FORD MTR CO DEL SOLE 41194
FORD MTR CO DEL SOLE
225
FORD MTR CO DEL DEFINED 400
FORD MTR CO DEL OTHER 400
FORD MTR CO DEL DEF/OTH
250
GENERAL ELEC CO SOLE 44230
GENERAL ELEC CO SOLE
350
GENERAL ELEC CO DEFINED 8900
GENERAL ELEC CO OTHER 3507
GENERAL ELEC CO DEF/OTH
300
GEORGIA PAC CORP SOLE 300
GEORGIA PAC CORP SOLE
7792
GILLETTE CO SOLE 13175
GILLETTE CO SOLE
650
GILLETTE CO DEFINED 3200
GILLETTE CO OTHER 1300
GILLETTE CO DEF/OTH
100
HALLIBURTON CO SOLE 4034
HALLIBURTON CO DEFINED 400
HALLIBURTON CO OTHER 228
HARLEY DAVIDSON INC SOLE 4400
HEWLETT PACKARD CO SOLE 17530
HEWLETT PACKARD CO SOLE
200
HEWLETT PACKARD CO DEFINED 2000
HEWLETT PACKARD CO OTHER 1500
HEWLETT PACKARD CO DEF/OTH
200
HOME DEPOT INC SOLE 17630
HOME DEPOT INC DEFINED 3624
HOME DEPOT INC OTHER 1300
HOME DEPOT INC DEF/OTH
300
ILLINOIS TOOL WKS INC SOLE 6135
ILLINOIS TOOL WKS INC DEFINED 900
ILLINOIS TOOL WKS INC DEF/OTH
50
INTEL CORP SOLE 22363
INTEL CORP DEFINED 1120
INTEL CORP OTHER 3250
INTEL CORP DEF/OTH
350
INTERNATIONAL BUSINESS MACHS SOLE 970
INTERNATIONAL BUSINESS MACHS DEFINED 1156
INTERNATIONAL BUSINESS MACHS DEFINED
72
INTERNATIONAL BUSINESS MACHS OTHER 1392
INTERNATIONAL PAPER CO SOLE 6605
INTERNATIONAL PAPER CO DEFINED 100
INTERNATIONAL PAPER CO DEF/OTH
100
JOHNSON & JOHNSON SOLE 2245
JOHNSON & JOHNSON SOLE
150
JOHNSON & JOHNSON DEFINED 5750
JOHNSON & JOHNSON OTHER 1400
KIMBERLY CLARK CORP SOLE 31307
KIMBERLY CLARK CORP SOLE
250
KIMBERLY CLARK CORP DEFINED 200
LILLY ELI & CO SOLE 4800
LILLY ELI & CO DEFINED 400
LILLY ELI & CO OTHER 400
LUCENT TECHNOLOGIES SOLE 52562
LUCENT TECHNOLOGIES SOLE
250
LUCENT TECHNOLOGIES DEFINED 1536
LUCENT TECHNOLOGIES OTHER 2176
MCDONALDS CORP SOLE 17132
MCDONALDS CORP SOLE
400
MCDONALDS CORP DEFINED 2100
MCDONALDS CORP OTHER 2500
MCDONALDS CORP DEF/OTH
200
MEDTRONIC INC SOLE 6465
MEDTRONIC INC DEFINED 80
MEDTRONIC INC OTHER 2600
MEDTRONIC INC DEF/OTH
100
MELLON BK CORP SOLE 51660
MELLON BK CORP SOLE
350
MELLON BK CORP DEFINED 700
MELLON BK CORP OTHER 500
MELLON BK CORP DEF/OTH
600
MERCK & CO INC SOLE 23320
MERCK & CO INC SOLE
200
MERCK & CO INC DEFINED 2850
MERCK & CO INC OTHER 2750
MERCK & CO INC DEF/OTH
350
MICROSOFT CORP SOLE 34010
MICROSOFT CORP SOLE
125
MICROSOFT CORP DEFINED 700
MICROSOFT CORP OTHER 5000
MICROSOFT CORP DEF/OTH
500
MOBIL CORP SOLE 9485
MOBIL CORP SOLE
150
MOBIL CORP DEFINED 4675
MOBIL CORP OTHER 800
MOBIL CORP DEF/OTH
100
MORGAN J P & CO INC DEFINED
2500
MOTOROLA INC SOLE 323
MOTOROLA INC DEFINED 1292
MOTOROLA INC OTHER 552
NATIONAL CITY CORP SOLE 3336
NATIONAL CITY CORP DEF/OTH
900
NORFOLK SOUTHERN CORP SOLE 14085
NORFOLK SOUTHERN CORP SOLE
450
NORFOLK SOUTHERN CORP DEFINED 6850
NORFOLK SOUTHERN CORP DEF/OTH
75
PNC BK CORP SOLE 5450
PNC BK CORP DEFINED 776
PNC BK CORP OTHER 102
PNC BK CORP DEF/OTH
2700
PEPSICO INC SOLE 5524
PEPSICO INC SOLE
200
PFIZER INC SOLE 21549
PFIZER INC SOLE
1050
PFIZER INC DEFINED 14400
PFIZER INC OTHER 2895
PROCTOR & GAMBLE SOLE 15202
PROCTOR & GAMBLE SOLE
300
PROCTOR & GAMBLE DEFINED 7686
PROCTOR & GAMBLE OTHER 2654
PROCTOR & GAMBLE DEF/OTH
150
PROVIDIAN FINL CORP SOLE 870
PROVIDIAN FINL CORP DEFINED 4746
SBC COMMUNICATIONS INC SOLE 25652
SBC COMMUNICATIONS INC DEFINED 9001
SBC COMMUNICATIONS INC OTHER 692
SBC COMMUNICATIONS INC DEF/OTH
350
SARA LEE CORP SOLE 8560
SARA LEE CORP DEFINED 5178
SARA LEE CORP OTHER 2886
SCHERING PLOUGH CORP SOLE 2600
SCHERING PLOUGH CORP SOLE
500
SCHERING PLOUGH CORP DEFINED 4500
SCHLUMBERGER LTD SOLE 30455
SCHLUMBERGER LTD SOLE
225
SCHLUMBERGER LTD DEFINED 1947
SCHLUMBERGER LTD OTHER 625
STUDENT LN MARKETING ASSN DEFINED
10000
THERMO CARDIOSYSTEMS INC SOLE 15000
UNITED BANKSHARES INC W VA SOLE 14300
U S WEST INC SOLE 1384
U S WEST INC DEFINED 2722
U S WEST INC OTHER 304
UNITED TECHNOLOGIES CORP SOLE 22290
UNITED TECHNOLOGIES CORP SOLE
200
UNITED TECHNOLOGIES CORP DEFINED 200
WACHOVIA CORP NEW SOLE 500
WACHOVIA CORP NEW SOLE
200
WACHOVIA CORP NEW DEFINED 1950
WACHOVIA CORP NEW OTHER 500
WACHOVIA CORP NEW DEF/OTH
3050
WALGREEN INC SOLE 2216
WALGREEN INC DEFINED 5000
WELLS FARGO & CO NEW SOLE 22775
WELLS FARGO & CO NEW DEFINED 200
WELLS FARGO & CO NEW DEF/OTH
800
XEROX CORP SOLE 27050
XEROX CORP SOLE
250
XEROX CORP DEFINED 250
GRUNDY FUELS, INC. SOLE 500
CITIZINS NATIONAL DEFINED
1125
</TABLE>
