[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: 09/30/2000
Check here if Amendment [X] Amendment Number: 1
This Amendment [X] is a restatement
[ ] adds new holding entries
Institutional Investment Manager Filing this Report:
Name: PROVIDENT FINANCIAL ADVISORS
Address: 309 VINE STREET
CINCINNATI, OH 45202
13F File Number: 28-69260
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 Reporting Manager:
Name: C EDWIN RILEY
Title: PRESIDENT, PIA
Phone: 513-579-2257
Signature, Place, and Date of Signing:
C EDWIN RILEY CINCINNATI, OHIO 10/31/2000
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: 445
Form 13F Information Table Value Total: $ 679,021
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
AES CORP. COMMON STOCK 00130H105 1733 25288 SH
AES CORP. COMMON STOCK 00130H105 27 400 SH
AT&T CORP COMMON STOCK 001957109 588 20019 SH
AT&T CORP COMMON STOCK 001957109 158 5391 SH
AT&T CORP COMMON STOCK 001957109 71 2400 SH
ABBOTT LABS COMMON STOCK 002824100 2173 45690 SH
ABBOTT LABS COMMON STOCK 002824100 304 6400 SH
AEGON N.V. FOREIGN STOCK 007924103 77 2084 SH
AEGON N.V. FOREIGN STOCK 007924103 129 3472 SH
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 542 11072 SH
ALLSTATE CORP COMMON STOCK 020002101 115 3296 SH
ALLSTATE CORP COMMON STOCK 020002101 64 1854 SH
ALLSTATE CORP COMMON STOCK 020002101 39 1112 SH
ALLSTATE CORP COMMON STOCK 020002101 79 2276 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 12110 225305 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 30 552 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 69 1280 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 143 2660 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 3393 55859 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 36 600 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 485 8600 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 610 10800 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 226 4000 SH
AMER INTL GROUP INC COMMON STOCK 026874107 14017 146491 SH
AMER INTL GROUP INC COMMON STOCK 026874107 97 1016 SH
AMER INTL GROUP INC COMMON STOCK 026874107 463 4836 SH
AMER INTL GROUP INC COMMON STOCK 026874107 52 540 SH
AMERICAN ITALIAN PASTA CO COMMON STOCK 027070101 384 20000 SH
AMERICAN PWR CONVERSION CORP COMMON STOCK 029066107 403 21000 SH
AMGEN INC COMMON STOCK 031162100 9131 130764 SH
AMGEN INC COMMON STOCK 031162100 236 3386 SH
AMGEN INC COMMON STOCK 031162100 43 620 SH
ARIBA INC COMMON STOCK 04033V104 15200 106094 SH
ARIBA INC COMMON STOCK 04033V104 17 118 SH
ARIBA INC COMMON STOCK 04033V104 9 60 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 401 10545 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 28 732 SH
AURORA BIOSCIENCES CORP COMMON STOCK 051920106 816 12000 SH
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 1379 20620 SH
AVICI SYS INC COMMON STOCK 05367L109 600 6310 SH
BP AMOCO PLC-SPONS ADR FOREIGN STOCK 055622104 1659 31302 SH
BP AMOCO PLC-SPONS ADR FOREIGN STOCK 055622104 17 328 SH
BP AMOCO PLC-SPONS ADR FOREIGN STOCK 055622104 533 10054 SH
BP AMOCO PLC-SPONS ADR FOREIGN STOCK 055622104 14 264 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 2578 49218 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 82 1565 SH
BANK NEW YORK INC COMMON STOCK 064057102 747 13230 SH
BANK ONE CORP COMMON STOCK 06423A103 1741 45749 SH
BANK ONE CORP COMMON STOCK 06423A103 27 700 SH
BANK ONE CORP COMMON STOCK 06423A103 4 101 SH
BEA SYSTEMS INC COMMON STOCK 073325102 1558 20000 SH
BED BATH & BEYOND INC COMMON STOCK 075896100 268 11000 SH
BELLSOUTH CORP COMMON STOCK 079860102 1288 31796 SH
BELLSOUTH CORP COMMON STOCK 079860102 63 1550 SH
BELLSOUTH CORP COMMON STOCK 079860102 437 10800 SH
BEST FOODS COMMON STOCK 08658U101 52 720 SH
BEST FOODS COMMON STOCK 08658U101 349 4800 SH
BEST FOODS COMMON STOCK 08658U101 175 2400 SH
BEST FOODS COMMON STOCK 08658U101 236 3250 SH
BIOGEN INC COMMON STOCK 090597105 4002 65607 SH
BIOGEN INC COMMON STOCK 090597105 38 618 SH
BIOGEN INC COMMON STOCK 090597105 25 407 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 5379 93554 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 161 2800 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 693 12050 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 23 400 SH
BROADCOM CORP - CL A COMMON STOCK 111320107 3328 13653 SH
BROADWING INC COMMON STOCK 111620100 3124 122196 SH
BROADWING INC COMMON STOCK 111620100 105 4108 SH
BROADWING INC COMMON STOCK 111620100 624 24408 SH
BROADWING INC COMMON STOCK 111620100 8 300 SH
CALPINE CORP COMMON STOCK 131347106 7436 71235 SH
CALPINE CORP COMMON STOCK 131347106 271 2600 SH
CARDINAL HEALTH COMMON STOCK 14149Y108 2524 28623 SH
CENTURYTEL INC COMMON STOCK 156700106 667 24460 SH
CHASE MANHATTAN CORP COMMON STOCK 16161A108 1945 42105 SH
CHEVRON CORP COMMON STOCK 166751107 1185 13900 SH
CHEVRON CORP COMMON STOCK 166751107 91 1064 SH
CHEVRON CORP COMMON STOCK 166751107 137 1610 SH
CHEVRON CORP COMMON STOCK 166751107 51 600 SH
CIENA CORP COMMON STOCK 171779101 414 3375 SH
CINERGY CORP COMMON STOCK 172474108 250 7566 SH
CINERGY CORP COMMON STOCK 172474108 30 895 SH
CINERGY CORP COMMON STOCK 172474108 10 300 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 24422 442028 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 227 4115 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 237 4284 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 475 8600 SH
CITIGROUP INC COMMON STOCK 172967101 11758 217484 SH
CITIGROUP INC COMMON STOCK 172967101 99 1837 SH
CITIGROUP INC COMMON STOCK 172967101 7 128 SH
CITIGROUP INC COMMON STOCK 172967101 22 399 SH
CLEAR CHANNEL COMMUNICATION COMMON STOCK 184502102 1264 22365 SH
CLOROX CO COMMON STOCK 189054109 2169 54837 SH
COCA COLA CO COMMON STOCK 191216100 5959 108096 SH
COCA COLA CO COMMON STOCK 191216100 480 8700 SH
COCA COLA CO COMMON STOCK 191216100 1410 25585 SH
COCA COLA CO COMMON STOCK 191216100 193 3500 SH
COMMERCE ONE INC COMMON STOCK 200693109 509 6480 SH
COMMERCE ONE INC COMMON STOCK 200693109 9 120 SH
COMPAQ COMPUTER CORP COMMON STOCK 204493100 163 5908 SH
COMPAQ COMPUTER CORP COMMON STOCK 204493100 55 2000 SH
COMVERSE TECHNOLOGY INC COMMON STOCK 205862402 2348 21740 SH
CONSECO INC COMMON STOCK 208464107 57 7498 SH
CONSECO INC COMMON STOCK 208464107 38 5000 SH
CONSTELLATION ENERGY GROUP COMMON STOCK 210371100 213 4272 SH
CONSTELLATION ENERGY GROUP COMMON STOCK 210371100 27 550 SH
CONVERGYS CORP COMMON STOCK 212485106 638 16417 SH
CONVERGYS CORP COMMON STOCK 212485106 47 1208 SH
CONVERGYS CORP COMMON STOCK 212485106 1041 26788 SH
CONVERGYS CORP COMMON STOCK 212485106 12 300 SH
CORNING INC COMMON STOCK 219350105 2223 7484 SH
CORNING INC COMMON STOCK 219350105 22 75 SH
CORNING INC COMMON STOCK 219350105 4 15 SH
COX RADIO INC-CL A COMMON STOCK 224051102 523 30000 SH
CYCLOPSS CORP COM COMMON STOCK 232537209 9 30000 SH
DPL, INC COMMON STOCK 233293109 256 8606 SH
DPL, INC COMMON STOCK 233293109 45 1518 SH
DPL, INC COMMON STOCK 233293109 30 1012 SH
DALLAS SEMICONDUCTOR CORP COMMON STOCK 235204104 314 9546 SH
DELL COMPUTER CORP COMMON STOCK 247025109 3964 128642 SH
DELL COMPUTER CORP COMMON STOCK 247025109 17 562 SH
DELL COMPUTER CORP COMMON STOCK 247025109 5 175 SH
DEVRY INC COMMON STOCK 251893103 361 9600 SH
DIGEX INC COMMON STOCK 253756100 1287 27466 SH
DISNEY WALT CO COMMON STOCK 254687106 2905 75940 SH
DISNEY WALT CO COMMON STOCK 254687106 135 3525 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 1328 32500 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 264 6455 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 106 2600 SH
DUFF/PHELPS SELECT UTIL COMMON STOCK 264324104 109 11149 SH
DYNEGY INC COMMON STOCK 26816Q101 4734 83023 SH
DYNEGY INC COMMON STOCK 26816Q101 228 4000 SH
EMC CORPORATION COMMON STOCK 268648102 26395 265274 SH
EMC CORPORATION COMMON STOCK 268648102 173 1742 SH
EMC CORPORATION COMMON STOCK 268648102 254 2552 SH
EMC CORPORATION COMMON STOCK 268648102 60 600 SH
EATON VANCE CORP COMMON STOCK 278265103 510 10000 SH
EBAY INC COMMON STOCK 278642103 318 4634 SH
EMERSON ELEC CO. COMMON STOCK 291011104 13 200 SH
EMERSON ELEC CO. COMMON STOCK 291011104 161 2400 SH
EMERSON ELEC CO. COMMON STOCK 291011104 60 900 SH
ENRON CORP COMMON STOCK 293561106 4662 53199 SH
ENRON CORP COMMON STOCK 293561106 169 1926 SH
EQUITABLE RES INC COMMON STOCK 294549100 242 3810 SH
EXODUS COMMUNICATIONS INC COMMON STOCK 302088109 16481 333793 SH
EXODUS COMMUNICATIONS INC COMMON STOCK 302088109 20 400 SH
EXODUS COMMUNICATIONS INC COMMON STOCK 302088109 3 62 SH
EXPEDITORS INTL WASH INC COMMON STOCK 302130109 270 6000 SH
EXXON MOBIL CORPORATION COMMON STOCK 30231G102 6919 77644 SH
EXXON MOBIL CORPORATION COMMON STOCK 30231G102 1058 11876 SH
EXXON MOBIL CORPORATION COMMON STOCK 30231G102 969 10874 SH
EXXON MOBIL CORPORATION COMMON STOCK 30231G102 135 1512 SH
FANNIE MAE COMMON STOCK 313586109 3757 52541 SH
FANNIE MAE COMMON STOCK 313586109 29 400 SH
FANNIE MAE COMMON STOCK 313586109 32 450 SH
FEDERATED MUTUAL FUNDS EQ 313900102 682 19031 SH
FEDERATED MUTUAL FUNDS FI 314184102 1523 138744 SH
FEDERATED MUTUAL FUNDS FI 314184102 230 20966 SH
FEDERATED MUTUAL FUNDS FI 314184102 347 31567 SH
FEDERATED MUTUAL FUNDS FI 314184102 134 12184 SH
FEDERATED MUTUAL FUNDS FI 314284100 396 39114 SH
FEDERATED MUTUAL FUNDS FI 31428P103 343 32595 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 1750 32490 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 1281 23768 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 2963 54993 SH
FIRST UNION CORP COMMON STOCK 337358105 1662 51647 SH
FIRST UNION CORP COMMON STOCK 337358105 113 3500 SH
FIRSTAR CORP COMMON STOCK 33763V109 2182 97535 SH
FIRSTAR CORP COMMON STOCK 33763V109 1777 79400 SH
FIRSTAR CORP COMMON STOCK 33763V109 20 900 SH
FLEETBOSTON FINL CORP COMMON STOCK 339030108 1490 38208 SH
FLEETBOSTON FINL CORP COMMON STOCK 339030108 23 600 SH
FORD MOTOR CO COMMON STOCK 345370860 1012 39686 SH
FORD MOTOR CO COMMON STOCK 345370860 6 224 SH
FORD MOTOR CO COMMON STOCK 345370860 87 3400 SH
FREEMARKETS INC COMMON STOCK 356602102 592 10355 SH
GANNETT INC COMMON STOCK 364730101 919 17348 SH
GANNETT INC COMMON STOCK 364730101 59 1114 SH
GANNETT INC COMMON STOCK 364730101 170 3200 SH
GANNETT INC COMMON STOCK 364730101 42 800 SH
GAP INC COMMON STOCK 364760108 620 30816 SH
GAP INC COMMON STOCK 364760108 13 644 SH
GAP INC COMMON STOCK 364760108 3 139 SH
GAP INC COMMON STOCK 364760108 8 393 SH
GATEWAY MUTUAL FUNDS FI 367829207 481 18698 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 28001 484348 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 900 15573 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 1893 32736 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 780 13488 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 592 9105 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 36 550 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 65 1000 SH
GEMTEX CORP COMMON STOCK 371901109 500 20000 SH
GEMTEX CORP COMMON STOCK 371901109 21 849 SH
GENUITY INC COMMON STOCK 37248E103 294 45000 SH
GLENAYRE TECHNOLOGIES INC COMMON STOCK 377899109 246 22650 SH
GLOBIX CORP COMMON STOCK 37957F101 945 40525 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 2792 28638 SH
HOME DEPOT INC COMMON STOCK 437076102 12643 238832 SH
HOME DEPOT INC COMMON STOCK 437076102 162 3062 SH
HOME DEPOT INC COMMON STOCK 437076102 183 3455 SH
HOME DEPOT INC COMMON STOCK 437076102 10 180 SH
HONEYWELL INTL INC COMMON STOCK 438516106 794 22275 SH
HONEYWELL INTL INC COMMON STOCK 438516106 22 607 SH
HUMAN GENOME SCIENCES COMMON STOCK 444903108 1073 6200 SH
ITXC CORP COMMON STOCK 45069F109 351 24000 SH
INFOSPACE, INC. COMMON STOCK 45678T102 293 9702 SH
INTEL CORP COMMON STOCK 458140100 15157 364670 SH
INTEL CORP COMMON STOCK 458140100 395 9500 SH
INTEL CORP COMMON STOCK 458140100 101 2420 SH
INTEL CORP COMMON STOCK 458140100 137 3300 SH
IBM CORP COMMON STOCK 459200101 2229 19787 SH
IBM CORP COMMON STOCK 459200101 214 1900 SH
IBM CORP COMMON STOCK 459200101 162 1435 SH
IBM CORP COMMON STOCK 459200101 168 1488 SH
FEDERATED MUTUAL FUNDS EQ 46031P308 2782 109891 SH
FEDERATED MUTUAL FUNDS EQ 46031P308 3 110 SH
INTERNET CAPITAL GROUP INC COMMON STOCK 46059C106 753 43196 SH
INTERNET CAPITAL GROUP INC COMMON STOCK 46059C106 2 130 SH
AFG MUTUAL FUNDS EQ 461308108 227 6966 SH
I 2 TECHNOLOGIES INC. COMMON STOCK 465754109 8719 46610 SH
JDS UNIPHASE CORP COMMON STOCK 46612J101 3815 40291 SH
JDS UNIPHASE CORP COMMON STOCK 46612J101 50 525 SH
JDS UNIPHASE CORP COMMON STOCK 46612J101 9 100 SH
J2 COMMUNICATIONS COMMON STOCK 466254208 438 44900 SH
JANUS MUTUAL FUNDS EQ 471023309 282 3828 SH
JEFFERSON PILOT CORP COMMON STOCK 475070108 730 10755 SH
JEFFERSON PILOT CORP COMMON STOCK 475070108 48 700 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 8268 88011 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 83 885 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 305 3245 SH
KENDLE INTERNATIONAL INC COMMON STOCK 48880L107 171 20520 SH
KIMBERLY CLARK COMMON STOCK 494368103 1069 19147 SH
KIMBERLY CLARK COMMON STOCK 494368103 447 8000 SH
KIMBERLY CLARK COMMON STOCK 494368103 70 1248 SH
KOHLS CORP COMMON STOCK 500255104 741 12840 SH
LCA-VISION INC COMMON STOCK 501803209 30 10200 SH
LG&E ENERGY CORP COMMON STOCK 501917108 276 11284 SH
LG&E ENERGY CORP COMMON STOCK 501917108 17 700 SH
LG&E ENERGY CORP COMMON STOCK 501917108 117 4800 SH
LEGG MASON INC COMMON STOCK 524901105 581 10000 SH
ELI LILLY & CO COMMON STOCK 532457108 5177 63818 SH
ELI LILLY & CO COMMON STOCK 532457108 37 460 SH
ELI LILLY & CO COMMON STOCK 532457108 32 400 SH
ELI LILLY & CO COMMON STOCK 532457108 25 310 SH
LINCOLN NATL CORP COMMON STOCK 534187109 212 4400 SH
LINCOLN NATL CORP COMMON STOCK 534187109 87 1800 SH
LINCOLN NATL CORP COMMON STOCK 534187109 27 562 SH
LINCOLN NATL CORP COMMON STOCK 534187109 39 800 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 103 3368 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 21 700 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 77 2540 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 6 200 SH
MRV COMMUNICATIONS INC COMMON STOCK 553477100 498 11000 SH
MARCHFIRST INC COMMON STOCK 566244109 188 12000 SH
MARSH & MCLENNAN COS. INC. COMMON STOCK 571748102 2230 16800 SH
MARSH & MCLENNAN COS. INC. COMMON STOCK 571748102 55 412 SH
MARSH & MCLENNAN COS. INC. COMMON STOCK 571748102 159 1200 SH
MEDIMMUNE COMMON STOCK 584699102 6430 83233 SH
MEDIMMUNE COMMON STOCK 584699102 19 250 SH
MEDIMMUNE COMMON STOCK 584699102 3 45 SH
MEDIMMUNE COMMON STOCK 584699102 22 285 SH
MELLON FINANCIAL COMMON STOCK 58551A108 801 17276 SH
MELLON FINANCIAL COMMON STOCK 58551A108 32 700 SH
MERCK & CO INC COMMON STOCK 589331107 4199 56416 SH
MERCK & CO INC COMMON STOCK 589331107 30 400 SH
MERCK & CO INC COMMON STOCK 589331107 179 2400 SH
MERCK & CO INC COMMON STOCK 589331107 26 350 SH
MERRILL LYNCH & CO COMMON STOCK 590188108 2149 32560 SH
MERRILL LYNCH & CO COMMON STOCK 590188108 53 800 SH
MICROSOFT CORP COMMON STOCK 594918104 15394 255245 SH
MICROSOFT CORP COMMON STOCK 594918104 195 3235 SH
MICROSOFT CORP COMMON STOCK 594918104 517 8570 SH
MICROSOFT CORP COMMON STOCK 594918104 13 220 SH
MILLENNIUM PHARMACEUTICALS INC COMMON STOCK 599902103 1066 7300 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 961 10550 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 456 5000 SH
MONTANA PWR CO COMMON STOCK 612085100 1209 36205 SH
MONTANA PWR CO COMMON STOCK 612085100 22 650 SH
MONTANA PWR CO COMMON STOCK 612085100 27 800 SH
MORGAN J.P. & CO INC COMMON STOCK 616880100 1005 6150 SH
MORGAN J.P. & CO INC COMMON STOCK 616880100 98 600 SH
MORGAN J.P. & CO INC COMMON STOCK 616880100 82 500 SH
MORGAN STANLEY DEAN WITTER & CO COMMON STOCK 617446448 1097 12000 SH
MORGAN STANLEY DEAN WITTER & CO COMMON STOCK 617446448 73 800 SH
MOTOROLA INC COMMON STOCK 620076109 1456 49356 SH
MOTOROLA INC COMMON STOCK 620076109 49 1650 SH
MOTOROLA INC COMMON STOCK 620076109 142 4800 SH
MOTOROLA INC COMMON STOCK 620076109 18 600 SH
MYRIAD GENETICS INC COMMON STOCK 62855J104 1071 12400 SH
NRG ENERGY INC COMMON STOCK 629377102 1099 30100 SH
NATL COMMERCE BANCORP COMMON STOCK 635449101 355 17800 SH
NETSILICON INC COMMON STOCK 64115X105 2039 97375 SH
NETSILICON INC COMMON STOCK 64115X105 10 500 SH
NEXTEL COMMUNICATIONS COMMON STOCK 65332V103 561 12000 SH
NEXTEL COMMUNICATIONS COMMON STOCK 65332V103 22 468 SH
NHANCEMENT TECHNOLOGIES INC COMMON STOCK 65334P104 340 20000 SH
NOKIA CORP ADR COMMON STOCK 654902204 9954 248856 SH
NOKIA CORP ADR COMMON STOCK 654902204 41 1034 SH
NOKIA CORP ADR COMMON STOCK 654902204 152 3804 SH
NORFOLK SOUTHN CORP COMMON STOCK 655844108 75 5130 SH
NORFOLK SOUTHN CORP COMMON STOCK 655844108 168 11517 SH
NORTEL NETWORKS CORP FOREIGN STOCK 656568102 10254 172163 SH
NORTEL NETWORKS CORP FOREIGN STOCK 656568102 220 3698 SH
NORTEL NETWORKS CORP FOREIGN STOCK 656568102 67 1120 SH
NOVELLUS SYSTEMS COMMON STOCK 670008101 559 12000 SH
NUVEEN MUNI VALUE FUND MUTUAL FUNDS FI 670928100 96 11095 SH
ORACLE CORP COMMON STOCK 68389X105 10366 131636 SH
ORACLE CORP COMMON STOCK 68389X105 58 738 SH
ORACLE CORP COMMON STOCK 68389X105 6 80 SH
PE CORP-PE COMMON STOCK 69332S102 408 3500 SH
PNC FINANCIAL SERVICES GROUP COMMON STOCK 693475105 407 6256 SH
PNC FINANCIAL SERVICES GROUP COMMON STOCK 693475105 572 8800 SH
PEPSICO INC COMMON STOCK 713448108 1304 28340 SH
PEPSICO INC COMMON STOCK 713448108 322 7000 SH
PFIZER INC COMMON STOCK 717081103 14618 325424 SH
PFIZER INC COMMON STOCK 717081103 554 12342 SH
PFIZER INC COMMON STOCK 717081103 515 11463 SH
PFIZER INC COMMON STOCK 717081103 26 570 SH
PHARMACIA CORP COMMON STOCK 71713U102 172 2850 SH
PHARMACIA CORP COMMON STOCK 71713U102 60 1000 SH
PHILIP MORRIS CO. INC. COMMON STOCK 718154107 88 3000 SH
PHILIP MORRIS CO. INC. COMMON STOCK 718154107 9 300 SH
PHILIP MORRIS CO. INC. COMMON STOCK 718154107 141 4800 SH
PHILIP MORRIS CO. INC. COMMON STOCK 718154107 334 11339 SH
PHONE.COM INC COMMON STOCK 71920Q100 341 3000 SH
PIEDMONT NATURAL GAS CO COMMON STOCK 720186105 129 4225 SH
PIEDMONT NATURAL GAS CO COMMON STOCK 720186105 80 2600 SH
PIONEER STD ELECTRS INC COMMON STOCK 723877106 156 11506 SH
PLEXUS CORP COMMON STOCK 729132100 1058 15000 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 7163 106905 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 390 5818 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 2122 31666 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 121 1800 SH
PROTECTIVE LIFE CORP COMMON STOCK 743674103 310 10364 SH
PROVIDIAN FINANCIAL CORP COMMON STOCK 74406A102 381 3000 SH
QUALCOMM INC COMMON STOCK 747525103 745 10460 SH
QUALCOMM INC COMMON STOCK 747525103 6 81 SH
REALNETWORKS INC COMMON STOCK 75605L104 572 14400 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 13270 1433029 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 299 32289 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 448 48362 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 458 49510 SH
RIVERFRONT MUTUAL FUNDS EQ 768709404 722 58866 SH
RIVERFRONT MUTUAL FUNDS EQ 768709404 30 2459 SH
RIVERFRONT MUTUAL FUNDS BA 768709602 662 46209 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 53706 3131568 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 502 29273 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 3188 185909 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 1796 104747 SH
RIVERFRONT MUTUAL FUNDS EQ 768709867 3861 275801 SH
RIVERFRONT MUTUAL FUNDS EQ 768709867 3 216 SH
T. ROWE PRICE MUTUAL FUNDS FI 779556109 211 4710 SH
T ROWE PRICE MUTUAL FUNDS EQ 779572106 501 18942 SH
ROYAL DUTCH PETROLEUM CO FOREIGN STOCK 780257804 839 13997 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 2238 44870 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 194 3894 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 965 19348 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 158 3158 SH
SDL INC COMMON STOCK 784076101 1177 3806 SH
SDL INC COMMON STOCK 784076101 19 60 SH
SEI INVESTMENTS COMPANY COMMON STOCK 784117103 1125 15900 SH
S&P 500 DEPOSITORY RECEIPT COMMON STOCK 78462F103 2044 14230 SH
SANMINA CORPORATION COMMON STOCK 800907107 983 10500 SH
SCANA CORP COMMON STOCK 80589M102 243 7860 SH
SCANA CORP COMMON STOCK 80589M102 101 3281 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 2715 58308 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 56 1200 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 37 800 SH
SCHLUMBERGER LTD FOREIGN STOCK 806857108 1874 22767 SH
SCHLUMBERGER LTD FOREIGN STOCK 806857108 16 200 SH
SCHWAB (CHARLES) CORP COMMON STOCK 808513105 4015 113202 SH
SCHWAB (CHARLES) CORP COMMON STOCK 808513105 71 2000 SH
SEPRACOR INC COMMON STOCK 817315104 1299 10588 SH
SEPRACOR INC COMMON STOCK 817315104 27 222 SH
SMITHKLINE BEECHAM FOREIGN STOCK 832378301 2 31 SH
SMITHKLINE BEECHAM FOREIGN STOCK 832378301 220 3200 SH
SONOCO PRODS CO COMMON STOCK 835495102 312 17265 SH
SONOCO PRODS CO COMMON STOCK 835495102 18 1000 SH
SONY CORP FOREIGN STOCK 835699307 945 9360 SH
SONY CORP FOREIGN STOCK 835699307 81 800 SH
STAPLES INC. COMMON STOCK 855030102 1868 131653 SH
STAPLES INC. COMMON STOCK 855030102 19 1362 SH
STAPLES INC. COMMON STOCK 855030102 14 1012 SH
STATE STREET CORP COMMON STOCK 857477103 1962 15083 SH
STATE STREET CORP COMMON STOCK 857477103 13 100 SH
STILWELL FINL INC COMMON STOCK 860831106 239 5500 SH
SUN MICROSYSTEMS INC COMMON STOCK 866810104 6759 57897 SH
SUN MICROSYSTEMS INC COMMON STOCK 866810104 96 824 SH
TEXACO INC COMMON STOCK 881694103 837 15935 SH
TEXACO INC COMMON STOCK 881694103 105 2000 SH
TEXACO INC COMMON STOCK 881694103 420 8000 SH
TEXACO INC COMMON STOCK 881694103 116 2200 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 8131 171634 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 52 1100 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 36 750 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 46 975 SH
TIME WARNER INC COMMON STOCK 887315109 11470 146427 SH
TIME WARNER INC COMMON STOCK 887315109 8 100 SH
TIME WARNER INC COMMON STOCK 887315109 27 350 SH
TUT SYSTEMS INC COMMON STOCK 901103101 1208 14000 SH
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 11892 229253 SH
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 97 1876 SH
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 150 2901 SH
UNITED PARCEL SERVICE-CL B COMMON STOCK 911312106 509 9020 SH
UNITED PARCEL SERVICE-CL B COMMON STOCK 911312106 23 400 SH
VANGUARD MUTUAL FUNDS FI 921929204 4955 435375 SH
VANGUARD MUTUAL FUNDS FI 921929204 129 11343 SH
VANGUARD MUTUAL FUNDS FI 921929204 359 31536 SH
VERITAS SOFTWARE CORP COMMON STOCK 923436109 509 3585 SH
VERISIGN INC COMMON STOCK 92343E102 6661 32883 SH
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 546 11275 SH
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 115 2368 SH
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 10 200 SH
VERTICALNET INC COMMON STOCK 92532L107 386 11000 SH
VITESSE SEMICONDUCTOR CORP COMMON STOCK 928497106 1174 13200 SH
VITESSE SEMICONDUCTOR CORP COMMON STOCK 928497106 18 200 SH
VODAFONE GROUP COMMON STOCK 92857W100 2317 62620 SH
VODAFONE GROUP COMMON STOCK 92857W100 37 1000 SH
WAL-MART STORES INC COMMON STOCK 931142103 12434 258367 SH
WAL-MART STORES INC COMMON STOCK 931142103 109 2269 SH
WAL-MART STORES INC COMMON STOCK 931142103 180 3732 SH
WAL-MART STORES INC COMMON STOCK 931142103 26 550 SH
WALGREEN CO COMMON STOCK 931422109 5669 149423 SH
WALGREEN CO COMMON STOCK 931422109 151 3974 SH
WALGREEN CO COMMON STOCK 931422109 7 176 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 1669 36338 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 184 4000 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 184 4000 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 158 3450 SH
WILLIAMS COS INC COMMON STOCK 969457100 346 8182 SH
WORLDCOM INC COMMON STOCK 98157D106 5179 170505 SH
WORLDCOM INC COMMON STOCK 98157D106 50 1650 SH
WORLDCOM INC COMMON STOCK 98157D106 4 142 SH
YAHOO! INC. COMMON STOCK 984332106 1313 14428 SH
YAHOO! INC. COMMON STOCK 984332106 18 200 SH
GLOBAL CROSSING LTD. COMMON STOCK G3921A100 310 10000 SH
GLOBAL CROSSING LTD. COMMON STOCK G3921A100 31 1000 SH
GLOBALSTAR TELECOMMUNICATION COMMON STOCK G3930H104 317 36800 SH
GLOBALSTAR TELECOMMUNICATION COMMON STOCK G3930H104 21 2400 SH
BIOMEDICAL DISPOSAL, INC. COMMON STOCK MISCE2XM8 120 40000 SH
NAME OF ISSUER INVSTMT OTHER VOTING AUTHORITY
SECURITY NAME DISCRTN MANAGERS SOLE SHARED NONE
AES CORP. SOLE 23172
AES CORP. SOLE 2116
AES CORP. DEFINED 400
AT&T CORP SOLE 11619
AT&T CORP SOLE 8400
AT&T CORP DEFINED 5391
AT&T CORP OTHER 2400
ABBOTT LABS SOLE 45690
ABBOTT LABS OTHER 6400
AEGON N.V. SOLE 2084
AEGON N.V. OTHER 3472
AGILENT TECHNOLOGIES INC SOLE 11072
ALLSTATE CORP SOLE 3296
ALLSTATE CORP DEFINED 1854
ALLSTATE CORP OTHER 1112
ALLSTATE CORP DEF/OTH 2276
AMERICA ONLINE INC SOLE 196423
AMERICA ONLINE INC SOLE 28882
AMERICA ONLINE INC DEFINED 552
AMERICA ONLINE INC OTHER 1280
AMERICA ONLINE INC DEF/OTH 2660
AMERICAN EXPRESS CO SOLE 52959
AMERICAN EXPRESS CO SOLE 2900
AMERICAN EXPRESS CO DEFINED 600
AMERICAN HOME PRODUCTS CORP SOLE 8600
AMERICAN HOME PRODUCTS CORP OTHER 10800
AMERICAN HOME PRODUCTS CORP DEF/OTH 4000
AMER INTL GROUP INC SOLE 127447
AMER INTL GROUP INC SOLE 19044
AMER INTL GROUP INC DEFINED 694
AMER INTL GROUP INC DEFINED 322
AMER INTL GROUP INC OTHER 4836
AMER INTL GROUP INC DEF/OTH 540
AMERICAN ITALIAN PASTA CO SOLE 20000
AMERICAN PWR CONVERSION CORP SOLE 21000
AMGEN INC SOLE 111489
AMGEN INC SOLE 19275
AMGEN INC DEFINED 2986
AMGEN INC DEFINED 400
AMGEN INC OTHER 620
ARIBA INC SOLE 95141
ARIBA INC SOLE 10953
ARIBA INC DEFINED 118
ARIBA INC OTHER 60
ASSOCIATES FIRST CAPITAL CORP SOLE 10545
ASSOCIATES FIRST CAPITAL CORP OTHER 732
AURORA BIOSCIENCES CORP SOLE 12000
AUTOMATIC DATA PROCESSING SOLE 20620
AVICI SYS INC SOLE 4350
AVICI SYS INC SOLE 1960
BP AMOCO PLC-SPONS ADR SOLE 31302
BP AMOCO PLC-SPONS ADR DEFINED 328
BP AMOCO PLC-SPONS ADR OTHER 10054
BP AMOCO PLC-SPONS ADR DEF/OTH 264
BANK OF AMERICA CORP SOLE 41874
BANK OF AMERICA CORP SOLE 7344
BANK OF AMERICA CORP DEFINED 1565
BANK NEW YORK INC SOLE 13230
BANK ONE CORP SOLE 38949
BANK ONE CORP SOLE 6800
BANK ONE CORP DEFINED 700
BANK ONE CORP OTHER 101
BEA SYSTEMS INC SOLE 20000
BED BATH & BEYOND INC SOLE 11000
BELLSOUTH CORP SOLE 31796
BELLSOUTH CORP DEFINED 1236
BELLSOUTH CORP DEFINED 314
BELLSOUTH CORP OTHER 10800
BEST FOODS SOLE 720
BEST FOODS DEFINED 4800
BEST FOODS OTHER 2400
BEST FOODS DEF/OTH 3250
BIOGEN INC SOLE 54047
BIOGEN INC SOLE 11560
BIOGEN INC DEFINED 452
BIOGEN INC DEFINED 166
BIOGEN INC OTHER 407
BRISTOL MYERS SQUIBB CO SOLE 84346
BRISTOL MYERS SQUIBB CO SOLE 9208
BRISTOL MYERS SQUIBB CO DEFINED 2400
BRISTOL MYERS SQUIBB CO DEFINED 400
BRISTOL MYERS SQUIBB CO OTHER 12050
BRISTOL MYERS SQUIBB CO DEF/OTH 400
BROADCOM CORP - CL A SOLE 12669
BROADCOM CORP - CL A SOLE 984
BROADWING INC SOLE 111546
BROADWING INC SOLE 10650
BROADWING INC DEFINED 3208
BROADWING INC DEFINED 900
BROADWING INC OTHER 24408
BROADWING INC DEF/OTH 300
CALPINE CORP SOLE 60665
CALPINE CORP SOLE 10570
CALPINE CORP DEFINED 2400
CALPINE CORP DEFINED 200
CARDINAL HEALTH SOLE 24623
CARDINAL HEALTH SOLE 4000
CENTURYTEL INC SOLE 13960
CENTURYTEL INC SOLE 10500
CHASE MANHATTAN CORP SOLE 32955
CHASE MANHATTAN CORP SOLE 9150
CHEVRON CORP SOLE 13900
CHEVRON CORP DEFINED 1064
CHEVRON CORP OTHER 1610
CHEVRON CORP DEF/OTH 600
CIENA CORP SOLE 3075
CIENA CORP SOLE 300
CINERGY CORP SOLE 7566
CINERGY CORP OTHER 895
CINERGY CORP DEF/OTH 300
CISCO SYSTEMS INC SOLE 396291
CISCO SYSTEMS INC SOLE 45737
CISCO SYSTEMS INC DEFINED 3178
CISCO SYSTEMS INC DEFINED 937
CISCO SYSTEMS INC OTHER 4284
CISCO SYSTEMS INC DEF/OTH 8600
CITIGROUP INC SOLE 191064
CITIGROUP INC SOLE 26420
CITIGROUP INC DEFINED 1837
CITIGROUP INC OTHER 128
CITIGROUP INC DEF/OTH 399
CLEAR CHANNEL COMMUNICATION SOLE 17265
CLEAR CHANNEL COMMUNICATION SOLE 5100
CLOROX CO SOLE 47776
CLOROX CO SOLE 7061
COCA COLA CO SOLE 99733
COCA COLA CO SOLE 8363
COCA COLA CO DEFINED 8200
COCA COLA CO DEFINED 500
COCA COLA CO OTHER 25585
COCA COLA CO DEF/OTH 3500
COMMERCE ONE INC SOLE 6480
COMMERCE ONE INC DEFINED 120
COMPAQ COMPUTER CORP SOLE 5908
COMPAQ COMPUTER CORP DEFINED 2000
COMVERSE TECHNOLOGY INC SOLE 21740
CONSECO INC SOLE 7498
CONSECO INC OTHER 5000
CONSTELLATION ENERGY GROUP SOLE 4272
CONSTELLATION ENERGY GROUP DEFINED 550
CONVERGYS CORP SOLE 16417
CONVERGYS CORP DEFINED 1208
CONVERGYS CORP OTHER 26788
CONVERGYS CORP DEF/OTH 300
CORNING INC SOLE 6139
CORNING INC SOLE 1345
CORNING INC DEFINED 75
CORNING INC OTHER 15
COX RADIO INC-CL A SOLE 30000
CYCLOPSS CORP COM SOLE 30000
DPL, INC SOLE 8606
DPL, INC DEFINED 1518
DPL, INC OTHER 1012
DALLAS SEMICONDUCTOR CORP SOLE 9546
DELL COMPUTER CORP SOLE 118317
DELL COMPUTER CORP SOLE 10325
DELL COMPUTER CORP OTHER 562
DELL COMPUTER CORP DEF/OTH 175
DEVRY INC SOLE 9600
DIGEX INC SOLE 25994
DIGEX INC SOLE 1472
DISNEY WALT CO SOLE 60015
DISNEY WALT CO SOLE 15925
DISNEY WALT CO DEFINED 2700
DISNEY WALT CO DEFINED 825
DU PONT E I DE NEMOURS & CO SOLE 32500
DU PONT E I DE NEMOURS & CO OTHER 6455
DU PONT E I DE NEMOURS & CO DEF/OTH 2600
DUFF/PHELPS SELECT UTIL DEFINED 11149
DYNEGY INC SOLE 67713
DYNEGY INC SOLE 15310
DYNEGY INC DEFINED 2800
DYNEGY INC DEFINED 1200
EMC CORPORATION SOLE 235506
EMC CORPORATION SOLE 29768
EMC CORPORATION DEFINED 1200
EMC CORPORATION DEFINED 542
EMC CORPORATION OTHER 2552
EMC CORPORATION DEF/OTH 600
EATON VANCE CORP SOLE 10000
EBAY INC SOLE 4634
EMERSON ELEC CO. SOLE 200
EMERSON ELEC CO. DEFINED 2400
EMERSON ELEC CO. OTHER 900
ENRON CORP SOLE 44289
ENRON CORP SOLE 8910
ENRON CORP DEFINED 1926
EQUITABLE RES INC DEFINED 3810
EXODUS COMMUNICATIONS INC SOLE 283247
EXODUS COMMUNICATIONS INC SOLE 50546
EXODUS COMMUNICATIONS INC DEFINED 400
EXODUS COMMUNICATIONS INC OTHER 62
EXPEDITORS INTL WASH INC SOLE 6000
EXXON MOBIL CORPORATION SOLE 67960
EXXON MOBIL CORPORATION SOLE 9684
EXXON MOBIL CORPORATION DEFINED 10600
EXXON MOBIL CORPORATION DEFINED 1276
EXXON MOBIL CORPORATION OTHER 10874
EXXON MOBIL CORPORATION DEF/OTH 1512
FANNIE MAE SOLE 50941
FANNIE MAE SOLE 1600
FANNIE MAE DEFINED 400
FANNIE MAE DEF/OTH 450
FEDERATED SOLE 19031
FEDERATED SOLE 132538
FEDERATED SOLE 6206
FEDERATED DEFINED 20966
FEDERATED OTHER 31567
FEDERATED DEF/OTH 12184
FEDERATED SOLE 39098
FEDERATED SOLE 16
FEDERATED SOLE 32595
FIFTH THIRD BANCORP SOLE 32490
FIFTH THIRD BANCORP DEFINED 23347
FIFTH THIRD BANCORP DEFINED 421
FIFTH THIRD BANCORP OTHER 54993
FIRST UNION CORP SOLE 44947
FIRST UNION CORP SOLE 6700
FIRST UNION CORP DEFINED 3500
FIRSTAR CORP SOLE 88935
FIRSTAR CORP SOLE 8600
FIRSTAR CORP DEFINED 79400
FIRSTAR CORP OTHER 900
FLEETBOSTON FINL CORP SOLE 32530
FLEETBOSTON FINL CORP SOLE 5678
FLEETBOSTON FINL CORP DEFINED 600
FORD MOTOR CO SOLE 39686
FORD MOTOR CO DEFINED 224
FORD MOTOR CO OTHER 3400
FREEMARKETS INC SOLE 10355
GANNETT INC SOLE 17348
GANNETT INC DEFINED 800
GANNETT INC DEFINED 314
GANNETT INC OTHER 3200
GANNETT INC DEF/OTH 800
GAP INC SOLE 26506
GAP INC SOLE 4310
GAP INC DEFINED 644
GAP INC OTHER 139
GAP INC DEF/OTH 393
GATEWAY SOLE 18698
GENERAL ELECTRIC CO SOLE 440712
GENERAL ELECTRIC CO SOLE 43636
GENERAL ELECTRIC CO DEFINED 13821
GENERAL ELECTRIC CO DEFINED 1200
GENERAL ELECTRIC CO DEFINED 552
GENERAL ELECTRIC CO OTHER 32736
GENERAL ELECTRIC CO DEF/OTH 13488
GENERAL MOTORS CORP. SOLE 7705
GENERAL MOTORS CORP. SOLE 1400
GENERAL MOTORS CORP. DEFINED 550
GENERAL MOTORS CORP. OTHER 1000
GEMTEX CORP SOLE 20000
GEMTEX CORP DEFINED 849
GENUITY INC SOLE 45000
GLENAYRE TECHNOLOGIES INC SOLE 22650
GLOBIX CORP SOLE 40525
HEWLETT PACKARD CO SOLE 28638
HOME DEPOT INC SOLE 215378
HOME DEPOT INC SOLE 23454
HOME DEPOT INC DEFINED 2000
HOME DEPOT INC DEFINED 588
HOME DEPOT INC DEFINED 474
HOME DEPOT INC OTHER 3455
HOME DEPOT INC DEF/OTH 180
HONEYWELL INTL INC SOLE 17275
HONEYWELL INTL INC SOLE 5000
HONEYWELL INTL INC DEFINED 607
HUMAN GENOME SCIENCES SOLE 6200
ITXC CORP SOLE 24000
INFOSPACE, INC. SOLE 9307
INFOSPACE, INC. SOLE 395
INTEL CORP SOLE 336940
INTEL CORP SOLE 27730
INTEL CORP DEFINED 8500
INTEL CORP DEFINED 1000
INTEL CORP OTHER 2420
INTEL CORP DEF/OTH 3300
IBM CORP SOLE 16387
IBM CORP SOLE 3400
IBM CORP DEFINED 1900
IBM CORP OTHER 1435
IBM CORP DEF/OTH 1488
FEDERATED SOLE 103954
FEDERATED SOLE 5937
FEDERATED OTHER 110
INTERNET CAPITAL GROUP INC SOLE 37587
INTERNET CAPITAL GROUP INC SOLE 5609
INTERNET CAPITAL GROUP INC DEFINED 130
AFG DEFINED 6966
I 2 TECHNOLOGIES INC. SOLE 42246
I 2 TECHNOLOGIES INC. SOLE 4364
JDS UNIPHASE CORP SOLE 37679
JDS UNIPHASE CORP SOLE 2612
JDS UNIPHASE CORP OTHER 525
JDS UNIPHASE CORP DEF/OTH 100
J2 COMMUNICATIONS SOLE 44900
JANUS DEFINED 3828
JEFFERSON PILOT CORP SOLE 9555
JEFFERSON PILOT CORP SOLE 1200
JEFFERSON PILOT CORP DEFINED 700
JOHNSON & JOHNSON SOLE 78535
JOHNSON & JOHNSON SOLE 9476
JOHNSON & JOHNSON DEFINED 472
JOHNSON & JOHNSON DEFINED 195
JOHNSON & JOHNSON DEFINED 218
JOHNSON & JOHNSON OTHER 3245
KENDLE INTERNATIONAL INC SOLE 20520
KIMBERLY CLARK SOLE 19147
KIMBERLY CLARK DEFINED 8000
KIMBERLY CLARK OTHER 1248
KOHLS CORP SOLE 12820
KOHLS CORP SOLE 20
LCA-VISION INC SOLE 10200
LG&E ENERGY CORP SOLE 11284
LG&E ENERGY CORP DEFINED 700
LG&E ENERGY CORP OTHER 4800
LEGG MASON INC SOLE 10000
ELI LILLY & CO SOLE 58628
ELI LILLY & CO SOLE 5190
ELI LILLY & CO DEFINED 70
ELI LILLY & CO DEFINED 235
ELI LILLY & CO DEFINED 155
ELI LILLY & CO OTHER 400
ELI LILLY & CO DEF/OTH 310
LINCOLN NATL CORP SOLE 4400
LINCOLN NATL CORP DEFINED 1800
LINCOLN NATL CORP OTHER 562
LINCOLN NATL CORP DEF/OTH 800
LUCENT TECHNOLOGIES INC SOLE 3368
LUCENT TECHNOLOGIES INC DEFINED 700
LUCENT TECHNOLOGIES INC OTHER 2540
LUCENT TECHNOLOGIES INC DEF/OTH 200
MRV COMMUNICATIONS INC SOLE 11000
MARCHFIRST INC SOLE 12000
MARSH & MCLENNAN COS. INC. SOLE 16800
MARSH & MCLENNAN COS. INC. DEFINED 412
MARSH & MCLENNAN COS. INC. DEF/OTH 1200
MEDIMMUNE SOLE 75108
MEDIMMUNE SOLE 8125
MEDIMMUNE DEFINED 250
MEDIMMUNE OTHER 45
MEDIMMUNE DEF/OTH 285
MELLON FINANCIAL SOLE 15546
MELLON FINANCIAL SOLE 1730
MELLON FINANCIAL DEFINED 700
MERCK & CO INC SOLE 53366
MERCK & CO INC SOLE 3050
MERCK & CO INC DEFINED 400
MERCK & CO INC OTHER 2400
MERCK & CO INC DEF/OTH 350
MERRILL LYNCH & CO SOLE 28360
MERRILL LYNCH & CO SOLE 4200
MERRILL LYNCH & CO DEFINED 800
MICROSOFT CORP SOLE 225795
MICROSOFT CORP SOLE 29450
MICROSOFT CORP DEFINED 2090
MICROSOFT CORP DEFINED 800
MICROSOFT CORP DEFINED 345
MICROSOFT CORP OTHER 8570
MICROSOFT CORP DEF/OTH 220
MILLENNIUM PHARMACEUTICALS INC SOLE 7300
MINNESOTA MINING & MFG CO SOLE 10550
MINNESOTA MINING & MFG CO OTHER 5000
MONTANA PWR CO SOLE 31565
MONTANA PWR CO SOLE 4640
MONTANA PWR CO DEFINED 650
MONTANA PWR CO OTHER 800
MORGAN J.P. & CO INC SOLE 6150
MORGAN J.P. & CO INC OTHER 600
MORGAN J.P. & CO INC DEF/OTH 500
MORGAN STANLEY DEAN WITTER & CO SOLE 11000
MORGAN STANLEY DEAN WITTER & CO SOLE 1000
MORGAN STANLEY DEAN WITTER & CO DEFINED 800
MOTOROLA INC SOLE 47456
MOTOROLA INC SOLE 1900
MOTOROLA INC DEFINED 1650
MOTOROLA INC OTHER 4800
MOTOROLA INC DEF/OTH 600
MYRIAD GENETICS INC SOLE 12400
NRG ENERGY INC SOLE 22050
NRG ENERGY INC SOLE 8050
NATL COMMERCE BANCORP SOLE 16000
NATL COMMERCE BANCORP SOLE 1800
NETSILICON INC SOLE 97375
NETSILICON INC DEFINED 500
NEXTEL COMMUNICATIONS SOLE 12000
NEXTEL COMMUNICATIONS DEFINED 468
NHANCEMENT TECHNOLOGIES INC SOLE 20000
NOKIA CORP ADR SOLE 213565
NOKIA CORP ADR SOLE 35291
NOKIA CORP ADR DEFINED 1034
NOKIA CORP ADR OTHER 3804
NORFOLK SOUTHN CORP DEFINED 5130
NORFOLK SOUTHN CORP DEF/OTH 11517
NORTEL NETWORKS CORP SOLE 149987
NORTEL NETWORKS CORP SOLE 22176
NORTEL NETWORKS CORP DEFINED 3100
NORTEL NETWORKS CORP DEFINED 598
NORTEL NETWORKS CORP OTHER 1120
NOVELLUS SYSTEMS SOLE 12000
NUVEEN MUNI VALUE FUND SOLE 11095
ORACLE CORP SOLE 114336
ORACLE CORP SOLE 17300
ORACLE CORP DEFINED 238
ORACLE CORP DEFINED 500
ORACLE CORP OTHER 80
PE CORP-PE SOLE 3500
PNC FINANCIAL SERVICES GROUP SOLE 6256
PNC FINANCIAL SERVICES GROUP DEFINED 8800
PEPSICO INC SOLE 28340
PEPSICO INC DEFINED 7000
PFIZER INC SOLE 294146
PFIZER INC SOLE 31278
PFIZER INC DEFINED 11925
PFIZER INC DEFINED 417
PFIZER INC OTHER 11463
PFIZER INC DEF/OTH 570
PHARMACIA CORP SOLE 2850
PHARMACIA CORP DEFINED 1000
PHILIP MORRIS CO. INC. SOLE 3000
PHILIP MORRIS CO. INC. DEFINED 300
PHILIP MORRIS CO. INC. OTHER 4800
PHILIP MORRIS CO. INC. DEF/OTH 11339
PHONE.COM INC SOLE 3000
PIEDMONT NATURAL GAS CO SOLE 4225
PIEDMONT NATURAL GAS CO DEFINED 2600
PIONEER STD ELECTRS INC SOLE 11506
PLEXUS CORP SOLE 15000
PROCTER & GAMBLE CO. SOLE 106760
PROCTER & GAMBLE CO. SOLE 145
PROCTER & GAMBLE CO. DEFINED 5818
PROCTER & GAMBLE CO. OTHER 31666
PROCTER & GAMBLE CO. DEF/OTH 1800
PROTECTIVE LIFE CORP SOLE 10364
PROVIDIAN FINANCIAL CORP OTHER 3000
QUALCOMM INC SOLE 9959
QUALCOMM INC SOLE 501
QUALCOMM INC DEFINED 81
REALNETWORKS INC SOLE 14400
RIVERFRONT SOLE 1355250
RIVERFRONT SOLE 77779
RIVERFRONT DEFINED 32289
RIVERFRONT OTHER 48362
RIVERFRONT DEF/OTH 49510
RIVERFRONT SOLE 57202
RIVERFRONT SOLE 1664
RIVERFRONT OTHER 2459
RIVERFRONT SOLE 33960
RIVERFRONT SOLE 12249
RIVERFRONT SOLE 3085996
RIVERFRONT SOLE 45572
RIVERFRONT DEFINED 29273
RIVERFRONT OTHER 185909
RIVERFRONT DEF/OTH 104747
RIVERFRONT SOLE 260144
RIVERFRONT SOLE 15657
RIVERFRONT OTHER 216
T. ROWE PRICE DEFINED 4710
T ROWE PRICE SOLE 18942
ROYAL DUTCH PETROLEUM CO SOLE 13997
SBC COMMUNICATIONS SOLE 44870
SBC COMMUNICATIONS DEFINED 3394
SBC COMMUNICATIONS DEFINED 500
SBC COMMUNICATIONS OTHER 19348
SBC COMMUNICATIONS DEF/OTH 3158
SDL INC SOLE 3281
SDL INC SOLE 525
SDL INC DEFINED 60
SEI INVESTMENTS COMPANY SOLE 15900
S&P 500 DEPOSITORY RECEIPT SOLE 14230
SANMINA CORPORATION SOLE 10500
SCANA CORP SOLE 4200
SCANA CORP SOLE 3660
SCANA CORP DEFINED 3281
SCHERING-PLOUGH CORP SOLE 52671
SCHERING-PLOUGH CORP SOLE 5637
SCHERING-PLOUGH CORP DEFINED 500
SCHERING-PLOUGH CORP DEFINED 700
SCHERING-PLOUGH CORP OTHER 800
SCHLUMBERGER LTD SOLE 21657
SCHLUMBERGER LTD SOLE 1110
SCHLUMBERGER LTD DEF/OTH 200
SCHWAB (CHARLES) CORP SOLE 95523
SCHWAB (CHARLES) CORP SOLE 17679
SCHWAB (CHARLES) CORP DEFINED 2000
SEPRACOR INC SOLE 10478
SEPRACOR INC SOLE 110
SEPRACOR INC DEFINED 222
SMITHKLINE BEECHAM SOLE 31
SMITHKLINE BEECHAM DEFINED 3200
SONOCO PRODS CO SOLE 14715
SONOCO PRODS CO SOLE 2550
SONOCO PRODS CO DEFINED 1000
SONY CORP SOLE 9210
SONY CORP SOLE 150
SONY CORP DEFINED 800
STAPLES INC. SOLE 109707
STAPLES INC. SOLE 21946
STAPLES INC. DEFINED 350
STAPLES INC. DEFINED 1012
STAPLES INC. OTHER 1012
STATE STREET CORP SOLE 14473
STATE STREET CORP SOLE 610
STATE STREET CORP DEFINED 100
STILWELL FINL INC SOLE 5500
SUN MICROSYSTEMS INC SOLE 51423
SUN MICROSYSTEMS INC SOLE 6474
SUN MICROSYSTEMS INC DEFINED 167
SUN MICROSYSTEMS INC DEFINED 557
SUN MICROSYSTEMS INC DEFINED 100
TEXACO INC SOLE 15235
TEXACO INC SOLE 700
TEXACO INC DEFINED 2000
TEXACO INC OTHER 8000
TEXACO INC DEF/OTH 2200
TEXAS INSTRUMENTS INC SOLE 149333
TEXAS INSTRUMENTS INC SOLE 22301
TEXAS INSTRUMENTS INC DEFINED 1100
TEXAS INSTRUMENTS INC OTHER 750
TEXAS INSTRUMENTS INC DEF/OTH 975
TIME WARNER INC SOLE 131099
TIME WARNER INC SOLE 15328
TIME WARNER INC DEFINED 100
TIME WARNER INC OTHER 350
TUT SYSTEMS INC SOLE 14000
TYCO INTERNATIONAL LTD SOLE 205350
TYCO INTERNATIONAL LTD SOLE 23903
TYCO INTERNATIONAL LTD DEFINED 1300
TYCO INTERNATIONAL LTD DEFINED 300
TYCO INTERNATIONAL LTD DEFINED 276
TYCO INTERNATIONAL LTD OTHER 2901
UNITED PARCEL SERVICE-CL B SOLE 8720
UNITED PARCEL SERVICE-CL B SOLE 300
UNITED PARCEL SERVICE-CL B DEFINED 400
VANGUARD SOLE 435375
VANGUARD OTHER 11343
VANGUARD DEF/OTH 31536
VERITAS SOFTWARE CORP SOLE 3500
VERITAS SOFTWARE CORP SOLE 85
VERISIGN INC SOLE 30185
VERISIGN INC SOLE 2698
VERIZON COMMUNICATIONS SOLE 10391
VERIZON COMMUNICATIONS SOLE 884
VERIZON COMMUNICATIONS DEFINED 2368
VERIZON COMMUNICATIONS DEF/OTH 200
VERTICALNET INC SOLE 11000
VITESSE SEMICONDUCTOR CORP SOLE 13200
VITESSE SEMICONDUCTOR CORP DEFINED 200
VODAFONE GROUP SOLE 62620
VODAFONE GROUP DEFINED 1000
WAL-MART STORES INC SOLE 233206
WAL-MART STORES INC SOLE 25161
WAL-MART STORES INC DEFINED 1450
WAL-MART STORES INC DEFINED 400
WAL-MART STORES INC DEFINED 419
WAL-MART STORES INC OTHER 3732
WAL-MART STORES INC DEF/OTH 550
WALGREEN CO SOLE 141194
WALGREEN CO SOLE 8229
WALGREEN CO DEFINED 3100
WALGREEN CO DEFINED 874
WALGREEN CO OTHER 176
WELLS FARGO COMPANY SOLE 36308
WELLS FARGO COMPANY SOLE 30
WELLS FARGO COMPANY DEFINED 4000
WELLS FARGO COMPANY OTHER 4000
WELLS FARGO COMPANY DEF/OTH 3450
WILLIAMS COS INC SOLE 8182
WORLDCOM INC SOLE 149278
WORLDCOM INC SOLE 21227
WORLDCOM INC DEFINED 1150
WORLDCOM INC DEFINED 500
WORLDCOM INC DEF/OTH 142
YAHOO! INC. SOLE 13498
YAHOO! INC. SOLE 930
YAHOO! INC. DEFINED 200
GLOBAL CROSSING LTD. SOLE 10000
GLOBAL CROSSING LTD. DEFINED 1000
GLOBALSTAR TELECOMMUNICATION SOLE 30600
GLOBALSTAR TELECOMMUNICATION SOLE 6200
GLOBALSTAR TELECOMMUNICATION DEFINED 2400
BIOMEDICAL DISPOSAL, INC. SOLE 40000
</TABLE>
