[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: 12/31/2000
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: DONALD RAINES
Title: INTERIM CHIEF INVEST OFFICER
Phone: 941-364-5767 X226
Signature, Place, and Date of Signing:
DONALD RAINES CINCINNATI, OHIO 01/18/2001
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: 465
Form 13F Information Table Value Total: $ 616,476
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
AFLAC INC COMMON STOCK 001055102 1451 20100 SH
AES CORP. COMMON STOCK 00130H105 1555 28078 SH
AES CORP. COMMON STOCK 00130H105 22 400 SH
AT&T CORP COMMON STOCK 001957109 1012 58654 SH
AT&T CORP COMMON STOCK 001957109 32 1839 SH
AT&T CORP COMMON STOCK 001957109 18 1050 SH
ABBOTT LABS COMMON STOCK 002824100 2203 45475 SH
ABBOTT LABS COMMON STOCK 002824100 310 6400 SH
AEGON N.V. FOREIGN STOCK 007924103 86 2084 SH
AEGON N.V. FOREIGN STOCK 007924103 144 3472 SH
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 681 12445 SH
ALLSTATE CORP COMMON STOCK 020002101 1394 32000 SH
ALLSTATE CORP COMMON STOCK 020002101 81 1854 SH
ALLSTATE CORP COMMON STOCK 020002101 48 1112 SH
ALLSTATE CORP COMMON STOCK 020002101 99 2276 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 6249 179563 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 19 552 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 45 1280 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 158 4540 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 3069 55859 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 33 600 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 360 6546 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 547 8600 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 686 10800 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 254 4000 SH
AMER INTL GROUP INC COMMON STOCK 026874107 18849 191234 SH
AMER INTL GROUP INC COMMON STOCK 026874107 100 1016 SH
AMER INTL GROUP INC COMMON STOCK 026874107 477 4836 SH
AMER INTL GROUP INC COMMON STOCK 026874107 53 540 SH
AMGEN INC COMMON STOCK 031162100 8264 129253 SH
AMGEN INC COMMON STOCK 031162100 89 1386 SH
AMGEN INC COMMON STOCK 031162100 40 620 SH
AMGEN INC COMMON STOCK 031162100 3 50 SH
AON CORP COMMON STOCK 037389103 771 22500 SH
ARIBA INC COMMON STOCK 04033V104 4469 83338 SH
ARIBA INC COMMON STOCK 04033V104 6 118 SH
ARIBA INC COMMON STOCK 04033V104 3 60 SH
AURORA BIOSCIENCES CORP COMMON STOCK 051920106 258 8200 SH
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 1306 20620 SH
BP AMOCO PLC-SPONS ADR FOREIGN STOCK 055622104 1397 29186 SH
BP AMOCO PLC-SPONS ADR FOREIGN STOCK 055622104 16 328 SH
BP AMOCO PLC-SPONS ADR FOREIGN STOCK 055622104 481 10054 SH
BP AMOCO PLC-SPONS ADR FOREIGN STOCK 055622104 114 2380 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 1957 42659 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 42 913 SH
BANK NEW YORK INC COMMON STOCK 064057102 421 7630 SH
BANK NEW YORK INC COMMON STOCK 064057102 309 5600 SH
BANK ONE CORP COMMON STOCK 06423A103 1613 44043 SH
BANK ONE CORP COMMON STOCK 06423A103 26 700 SH
BANK ONE CORP COMMON STOCK 06423A103 4 101 SH
BEA SYSTEMS INC COMMON STOCK 073325102 1346 20000 SH
BED BATH & BEYOND INC COMMON STOCK 075896100 246 11000 SH
BELLSOUTH CORP COMMON STOCK 079860102 1261 30796 SH
BELLSOUTH CORP COMMON STOCK 079860102 63 1550 SH
BELLSOUTH CORP COMMON STOCK 079860102 385 9400 SH
BELLSOUTH CORP COMMON STOCK 079860102 160 3900 SH
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670108 639 9 SH
BEST BUY INC COMMON STOCK 086516101 443 15000 SH
BIOGEN INC COMMON STOCK 090597105 2137 35575 SH
BIOGEN INC COMMON STOCK 090597105 27 452 SH
BIOGEN INC COMMON STOCK 090597105 20 325 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 6699 90610 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 207 2800 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 773 10450 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 399 5400 SH
BROADCOM CORP - CL A COMMON STOCK 111320107 1199 14268 SH
BROADWING INC COMMON STOCK 111620100 3122 136836 SH
BROADWING INC COMMON STOCK 111620100 94 4108 SH
BROADWING INC COMMON STOCK 111620100 544 23840 SH
BROADWING INC COMMON STOCK 111620100 7 300 SH
CALPINE CORP COMMON STOCK 131347106 5389 119580 SH
CALPINE CORP COMMON STOCK 131347106 126 2800 SH
CARDINAL HEALTH COMMON STOCK 14149Y108 3247 32593 SH
CENDANT CORPORATION COMMON STOCK 151313103 385 40000 SH
CENTURYTEL INC COMMON STOCK 156700106 874 24460 SH
CHASE MANHATTAN CORP COMMON STOCK 16161A108 1870 41165 SH
CHEESECAKE FACTORY INC COMMON STOCK 163072101 863 22500 SH
CHEVRON CORP COMMON STOCK 166751107 1140 13500 SH
CHEVRON CORP COMMON STOCK 166751107 90 1064 SH
CHEVRON CORP COMMON STOCK 166751107 136 1610 SH
CHEVRON CORP COMMON STOCK 166751107 143 1696 SH
CHICAGO PIZZA & BREWERY INC COMMON STOCK 167889104 30 10000 SH
CHUBB CORP. COMMON STOCK 171232101 995 11500 SH
CINERGY CORP COMMON STOCK 172474108 328 9326 SH
CINERGY CORP COMMON STOCK 172474108 31 895 SH
CINERGY CORP COMMON STOCK 172474108 39 1100 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 15391 402378 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 73 1915 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 317 8284 SH
CISCO SYSTEMS INC COMMON STOCK 17275R102 461 12048 SH
CITIGROUP INC COMMON STOCK 172967101 15252 298697 SH
CITIGROUP INC COMMON STOCK 172967101 53 1038 SH
CITIGROUP INC COMMON STOCK 172967101 238 4664 SH
CITIGROUP INC COMMON STOCK 172967101 20 399 SH
CLEAR CHANNEL COMMUNICATION COMMON STOCK 184502102 619 12786 SH
CLOROX CO COMMON STOCK 189054109 1966 55379 SH
COCA COLA CO COMMON STOCK 191216100 6008 98593 SH
COCA COLA CO COMMON STOCK 191216100 530 8700 SH
COCA COLA CO COMMON STOCK 191216100 1449 23785 SH
COCA COLA CO COMMON STOCK 191216100 469 7700 SH
COMPAQ COMPUTER CORP COMMON STOCK 204493100 238 15839 SH
COMPUTER ASSOCIATES COMMON STOCK 204912109 410 21000 SH
COMVERSE TECHNOLOGY INC COMMON STOCK 205862402 732 6740 SH
CONVERGYS CORP COMMON STOCK 212485106 767 16937 SH
CONVERGYS CORP COMMON STOCK 212485106 32 708 SH
CONVERGYS CORP COMMON STOCK 212485106 1165 25720 SH
CONVERGYS CORP COMMON STOCK 212485106 14 300 SH
CORNING INC COMMON STOCK 219350105 2316 43862 SH
CORNING INC COMMON STOCK 219350105 12 225 SH
CORNING INC COMMON STOCK 219350105 2 45 SH
COX RADIO INC-CL A COMMON STOCK 224051102 677 30000 SH
CYCLOPSS CORP COM COMMON STOCK 232537209 5 30000 SH
CYPRESS SEMICONDUCTOR COMMON STOCK 232806109 246 12500 SH
DPL, INC COMMON STOCK 233293109 267 8050 SH
DPL, INC COMMON STOCK 233293109 34 1012 SH
DEERE & CO. COMMON STOCK 244199105 110 2400 SH
DEERE & CO. COMMON STOCK 244199105 103 2250 SH
DELL COMPUTER CORP COMMON STOCK 247025109 1615 92625 SH
DELPHI FINL GROUP INC COMMON STOCK 247131105 209 5430 SH
DEVRY INC COMMON STOCK 251893103 362 9600 SH
DIGEX INC COMMON STOCK 253756100 367 16332 SH
DISNEY WALT CO COMMON STOCK 254687106 2729 94315 SH
DISNEY WALT CO COMMON STOCK 254687106 44 1525 SH
DOW CHEM CO COMMON STOCK 260543103 55 1500 SH
DOW CHEM CO COMMON STOCK 260543103 165 4500 SH
DOW CHEM CO COMMON STOCK 260543103 49 1350 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 928 19200 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 167 3455 SH
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 179 3700 SH
DUFF/PHELPS SELECT UTIL COMMON STOCK 264324104 117 11149 SH
DYNEGY INC COMMON STOCK 26816Q101 5198 92711 SH
DYNEGY INC COMMON STOCK 26816Q101 224 4000 SH
EMC CORPORATION COMMON STOCK 268648102 19943 299900 SH
EMC CORPORATION COMMON STOCK 268648102 116 1742 SH
EMC CORPORATION COMMON STOCK 268648102 170 2552 SH
EMC CORPORATION COMMON STOCK 268648102 163 2450 SH
EATON VANCE CORP COMMON STOCK 278265103 645 20000 SH
EMERSON ELEC CO. COMMON STOCK 291011104 16 200 SH
EMERSON ELEC CO. COMMON STOCK 291011104 189 2400 SH
EMERSON ELEC CO. COMMON STOCK 291011104 71 900 SH
ENRON CORP COMMON STOCK 293561106 5118 61569 SH
ENRON CORP COMMON STOCK 293561106 94 1126 SH
ENRON CORP COMMON STOCK 293561106 372 4470 SH
EXODUS COMMUNICATIONS INC COMMON STOCK 302088109 5384 269211 SH
EXODUS COMMUNICATIONS INC COMMON STOCK 302088109 8 400 SH
EXODUS COMMUNICATIONS INC COMMON STOCK 302088109 1 62 SH
EXPEDITORS INTL WASH INC COMMON STOCK 302130109 322 6000 SH
EXXON MOBIL CORPORATION COMMON STOCK 30231G102 8691 99970 SH
EXXON MOBIL CORPORATION COMMON STOCK 30231G102 928 10676 SH
EXXON MOBIL CORPORATION COMMON STOCK 30231G102 945 10874 SH
EXXON MOBIL CORPORATION COMMON STOCK 30231G102 239 2744 SH
FANNIE MAE COMMON STOCK 313586109 4470 51526 SH
FANNIE MAE COMMON STOCK 313586109 35 400 SH
FANNIE MAE COMMON STOCK 313586109 67 775 SH
FEDERATED MUTUAL FUNDS EQ 313900102 653 19213 SH
FEDERATED MUTUAL FUNDS FI 314184102 1545 138335 SH
FEDERATED MUTUAL FUNDS FI 314184102 144 12872 SH
FEDERATED MUTUAL FUNDS FI 314184102 363 32477 SH
FEDERATED MUTUAL FUNDS FI 314184102 136 12184 SH
FEDERATED MUTUAL FUNDS FI 314284100 406 37893 SH
FEDERATED MUTUAL FUNDS FI 31428P103 338 31418 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 3602 60280 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 1420 23768 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 3286 54993 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 27 450 SH
FIRST UNION CORP COMMON STOCK 337358105 1912 68752 SH
FIRST UNION CORP COMMON STOCK 337358105 42 1500 SH
FIRSTAR CORP COMMON STOCK 33763V109 2193 94310 SH
FIRSTAR CORP COMMON STOCK 33763V109 1846 79400 SH
FIRSTAR CORP COMMON STOCK 33763V109 21 900 SH
FIRSTAR CORP COMMON STOCK 33763V109 5 200 SH
FLEETBOSTON FINL CORP COMMON STOCK 339030108 1424 37899 SH
FLEETBOSTON FINL CORP COMMON STOCK 339030108 23 600 SH
FLEETBOSTON FINL CORP COMMON STOCK 339030108 22 592 SH
FORD MOTOR CO COMMON STOCK 345370860 930 39690 SH
FORD MOTOR CO COMMON STOCK 345370860 5 224 SH
FORD MOTOR CO COMMON STOCK 345370860 61 2600 SH
FREEMARKETS INC COMMON STOCK 356602102 190 10000 SH
FREMONT GENERAL CORP COMMON STOCK 357288109 28 10000 SH
GANNETT INC COMMON STOCK 364730101 993 15748 SH
GANNETT INC COMMON STOCK 364730101 70 1114 SH
GANNETT INC COMMON STOCK 364730101 202 3200 SH
GANNETT INC COMMON STOCK 364730101 151 2400 SH
GAP INC COMMON STOCK 364760108 590 23148 SH
GAP INC COMMON STOCK 364760108 16 644 SH
GAP INC COMMON STOCK 364760108 4 139 SH
GAP INC COMMON STOCK 364760108 10 393 SH
GATEWAY MUTUAL FUNDS FI 367829207 429 18698 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 24545 512027 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 747 15593 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 1423 29690 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 762 15888 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 526 10325 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 28 550 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 51 1000 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 15 300 SH
GEMTEX CORP COMMON STOCK 371901109 373 20000 SH
GEMTEX CORP COMMON STOCK 371901109 16 849 SH
GENZYME CORP COMMON STOCK 372917104 270 3000 SH
GLENAYRE TECHNOLOGIES INC COMMON STOCK 377899109 79 22500 SH
GLOBIX CORP COMMON STOCK 37957F101 330 120000 SH
GOVT SECS INCOME FD MUTUAL FUNDS FI 383743226 1 19514 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 2054 65076 SH
HOME DEPOT INC COMMON STOCK 437076102 9292 203381 SH
HOME DEPOT INC COMMON STOCK 437076102 94 2062 SH
HOME DEPOT INC COMMON STOCK 437076102 158 3455 SH
HOME DEPOT INC COMMON STOCK 437076102 8 180 SH
HOMEFED CORP COMMON STOCK 43739D208 25 29652 SH
HONEYWELL INTL INC COMMON STOCK 438516106 1068 22575 SH
HONEYWELL INTL INC COMMON STOCK 438516106 29 607 SH
HUMAN GENOME SCIENCES COMMON STOCK 444903108 859 12400 SH
IMMUNEX CORP COMMON STOCK 452528102 650 16000 SH
INFORMIX CORP COMMON STOCK 456779107 45 15000 SH
INFOSPACE, INC. COMMON STOCK 45678T102 575 65000 SH
INKTOMI CORP COMMON STOCK 457277101 207 11600 SH
INTEL CORP COMMON STOCK 458140100 11250 374232 SH
INTEL CORP COMMON STOCK 458140100 189 6300 SH
INTEL CORP COMMON STOCK 458140100 73 2420 SH
INTEL CORP COMMON STOCK 458140100 436 14500 SH
INTERMEDIA COMMUNICATIONS COMMON STOCK 458801107 180 25000 SH
IBM CORP COMMON STOCK 459200101 1674 19697 SH
IBM CORP COMMON STOCK 459200101 145 1700 SH
IBM CORP COMMON STOCK 459200101 122 1435 SH
IBM CORP COMMON STOCK 459200101 126 1488 SH
FEDERATED MUTUAL FUNDS EQ 46031P308 2265 106962 SH
FEDERATED MUTUAL FUNDS EQ 46031P308 2 110 SH
AFG MUTUAL FUNDS EQ 461308108 217 6991 SH
ISHARES TR S&P 500/BAR GRW COMMON STOCK 464287309 3071 45000 SH
I 2 TECHNOLOGIES INC. COMMON STOCK 465754109 4057 74620 SH
JDS UNIPHASE CORP COMMON STOCK 46612J101 1482 35543 SH
JDS UNIPHASE CORP COMMON STOCK 46612J101 22 525 SH
JDS UNIPHASE CORP COMMON STOCK 46612J101 4 100 SH
J2 COMMUNICATIONS COMMON STOCK 466254208 386 45900 SH
JANUS MUTUAL FUNDS EQ 471023309 218 3828 SH
JEFFERSON PILOT CORP COMMON STOCK 475070108 823 11005 SH
JEFFERSON PILOT CORP COMMON STOCK 475070108 52 700 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 10290 97946 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 93 885 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 341 3245 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 84 800 SH
KENDLE INTERNATIONAL INC COMMON STOCK 48880L107 201 20220 SH
KIMBERLY CLARK COMMON STOCK 494368103 1232 17427 SH
KIMBERLY CLARK COMMON STOCK 494368103 566 8000 SH
KIMBERLY CLARK COMMON STOCK 494368103 88 1248 SH
KIMBERLY CLARK COMMON STOCK 494368103 136 1920 SH
KOHLS CORP COMMON STOCK 500255104 3024 49579 SH
KOPIN CORP COMMON STOCK 500600101 221 20000 SH
LEGG MASON INC COMMON STOCK 524901105 545 10000 SH
LIBERTE INVS INC COMMON STOCK 530154103 453 154300 SH
ELI LILLY & CO COMMON STOCK 532457108 6898 74117 SH
ELI LILLY & CO COMMON STOCK 532457108 43 460 SH
ELI LILLY & CO COMMON STOCK 532457108 270 2900 SH
ELI LILLY & CO COMMON STOCK 532457108 29 310 SH
LINCOLN NATL CORP COMMON STOCK 534187109 132 2800 SH
LINCOLN NATL CORP COMMON STOCK 534187109 85 1800 SH
LINCOLN NATL CORP COMMON STOCK 534187109 14 300 SH
LINCOLN NATL CORP COMMON STOCK 534187109 114 2400 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 138 10192 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 9 700 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 3 256 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 3 200 SH
MBIA INC COMMON STOCK 55262C100 1448 19530 SH
MRV COMMUNICATIONS INC COMMON STOCK 553477100 348 26000 SH
MARSH & MCLENNAN COS. INC. COMMON STOCK 571748102 1790 15300 SH
MARSH & MCLENNAN COS. INC. COMMON STOCK 571748102 48 412 SH
MARSH & MCLENNAN COS. INC. COMMON STOCK 571748102 316 2700 SH
MEDIMMUNE COMMON STOCK 584699102 4070 85357 SH
MEDIMMUNE COMMON STOCK 584699102 12 250 SH
MEDIMMUNE COMMON STOCK 584699102 2 45 SH
MEDIMMUNE COMMON STOCK 584699102 14 285 SH
MELLON FINANCIAL COMMON STOCK 58551A108 868 17656 SH
MELLON FINANCIAL COMMON STOCK 58551A108 34 700 SH
MERCK & CO INC COMMON STOCK 589331107 5759 61516 SH
MERCK & CO INC COMMON STOCK 589331107 37 400 SH
MERCK & CO INC COMMON STOCK 589331107 225 2400 SH
MERCK & CO INC COMMON STOCK 589331107 33 350 SH
MERCURY GENERAL CORP COMMON STOCK 589400100 878 20000 SH
MERRILL LYNCH & CO COMMON STOCK 590188108 3155 46265 SH
MERRILL LYNCH & CO COMMON STOCK 590188108 55 800 SH
MICROSOFT CORP COMMON STOCK 594918104 10620 244841 SH
MICROSOFT CORP COMMON STOCK 594918104 82 1885 SH
MICROSOFT CORP COMMON STOCK 594918104 360 8310 SH
MICROSOFT CORP COMMON STOCK 594918104 49 1120 SH
MILLENNIUM PHARMACEUTICALS INC COMMON STOCK 599902103 1659 26810 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 1344 11150 SH
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 530 4400 SH
MONTANA PWR CO COMMON STOCK 612085100 752 36255 SH
MONTANA PWR CO COMMON STOCK 612085100 3 150 SH
MONTANA PWR CO COMMON STOCK 612085100 17 800 SH
MORGAN J.P. & CO INC COMMON STOCK 616880100 952 5750 SH
MORGAN J.P. & CO INC COMMON STOCK 616880100 99 600 SH
MORGAN J.P. & CO INC COMMON STOCK 616880100 139 840 SH
MORGAN STANLEY DEAN WITTER & CO COMMON STOCK 617446448 961 12125 SH
MORGAN STANLEY DEAN WITTER & CO COMMON STOCK 617446448 63 800 SH
MOTOROLA INC COMMON STOCK 620076109 985 48656 SH
MOTOROLA INC COMMON STOCK 620076109 9 450 SH
MOTOROLA INC COMMON STOCK 620076109 97 4800 SH
MOTOROLA INC COMMON STOCK 620076109 12 600 SH
MUTUAL RISK MANAGEMENT LTD COMMON STOCK 628351108 425 28000 SH
MYRIAD GENETICS INC COMMON STOCK 62855J104 1026 12400 SH
NRG ENERGY INC COMMON STOCK 629377102 1472 52930 SH
NASDAQ-100 SHARES COMMON STOCK 631100104 347 5938 SH
NATIONAL CITY CORP COMMON STOCK 635405103 1319 45873 SH
NATIONAL CITY CORP COMMON STOCK 635405103 30 1060 SH
NATL COMMERCE BANCORP COMMON STOCK 635449101 441 17800 SH
NETSILICON INC COMMON STOCK 64115X105 250 67175 SH
NETSILICON INC COMMON STOCK 64115X105 2 500 SH
NETWORK APPLIANCE INC COMMON STOCK 64120L104 1991 31018 SH
NISOURCE INC COMMON STOCK 65473P105 210 6819 SH
NOKIA CORP ADR COMMON STOCK 654902204 12577 289130 SH
NOKIA CORP ADR COMMON STOCK 654902204 45 1034 SH
NOKIA CORP ADR COMMON STOCK 654902204 165 3804 SH
NOKIA CORP ADR COMMON STOCK 654902204 36 825 SH
NORFOLK SOUTHN CORP COMMON STOCK 655844108 68 5130 SH
NORFOLK SOUTHN CORP COMMON STOCK 655844108 153 11517 SH
NORTEL NETWORKS CORP FOREIGN STOCK 656568102 6578 205169 SH
NORTEL NETWORKS CORP FOREIGN STOCK 656568102 51 1598 SH
NORTEL NETWORKS CORP FOREIGN STOCK 656568102 36 1120 SH
NORTEL NETWORKS CORP FOREIGN STOCK 656568102 17 540 SH
NOVELLUS SYSTEMS COMMON STOCK 670008101 431 12000 SH
NUVEEN MUNI VALUE FUND MUTUAL FUNDS FI 670928100 97 11095 SH
OMEGA ORTHODONTICS INC COMMON STOCK 681973111 0 10000 SH
ORACLE CORP COMMON STOCK 68389X105 8577 295106 SH
ORACLE CORP COMMON STOCK 68389X105 43 1476 SH
ORACLE CORP COMMON STOCK 68389X105 23 800 SH
PNC FINANCIAL SERVICES GROUP COMMON STOCK 693475105 388 5306 SH
PNC FINANCIAL SERVICES GROUP COMMON STOCK 693475105 643 8800 SH
PALM INC COMMON STOCK 696642107 317 11198 SH
PEPSICO INC COMMON STOCK 713448108 1345 27140 SH
PEPSICO INC COMMON STOCK 713448108 347 7000 SH
PEPSICO INC COMMON STOCK 713448108 79 1600 SH
PFIZER INC COMMON STOCK 717081103 15361 333926 SH
PFIZER INC COMMON STOCK 717081103 119 2592 SH
PFIZER INC COMMON STOCK 717081103 343 7463 SH
PFIZER INC COMMON STOCK 717081103 26 570 SH
PHARMACIA CORP COMMON STOCK 71713U102 92 1511 SH
PHARMACIA CORP COMMON STOCK 71713U102 122 2000 SH
PHILIP MORRIS CO. INC. COMMON STOCK 718154107 132 3000 SH
PHILIP MORRIS CO. INC. COMMON STOCK 718154107 13 300 SH
PHILIP MORRIS CO. INC. COMMON STOCK 718154107 211 4800 SH
PHILIP MORRIS CO. INC. COMMON STOCK 718154107 499 11339 SH
PIEDMONT NATURAL GAS CO COMMON STOCK 720186105 141 3700 SH
PIEDMONT NATURAL GAS CO COMMON STOCK 720186105 69 1800 SH
PIONEER STD ELECTRS INC COMMON STOCK 723877106 110 10000 SH
PLEXUS CORP COMMON STOCK 729132100 699 23000 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 9204 117336 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 378 4818 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 2394 30526 SH
PROCTER & GAMBLE CO. COMMON STOCK 742718109 416 5300 SH
PROGRESSIVE CORP OHIO COMMON STOCK 743315103 695 6705 SH
PROTECTIVE LIFE CORP COMMON STOCK 743674103 334 10364 SH
PROVIDIAN FINANCIAL CORP COMMON STOCK 74406A102 1123 19535 SH
PROVIDIAN FINANCIAL CORP COMMON STOCK 74406A102 345 6000 SH
REALNETWORKS INC COMMON STOCK 75605L104 125 14400 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 14623 1542560 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 138 14516 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 458 48289 SH
RIVERFRONT MUTUAL FUNDS FI 768709305 460 48538 SH
RIVERFRONT MUTUAL FUNDS EQ 768709404 1042 95655 SH
RIVERFRONT MUTUAL FUNDS EQ 768709404 5 486 SH
RIVERFRONT MUTUAL FUNDS BA 768709602 633 52406 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 42594 3440572 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 392 31699 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 2604 210311 SH
RIVERFRONT MUTUAL FUNDS EQ 768709842 1731 139822 SH
RIVERFRONT MUTUAL FUNDS EQ 768709867 2614 349027 SH
RIVERFRONT MUTUAL FUNDS EQ 768709867 2 260 SH
RIVERFRONT MUTUAL FUNDS EQ 768709867 32 4289 SH
T ROWE PRICE MUTUAL FUNDS EQ 779572106 476 19930 SH
ROYAL DUTCH PETROLEUM CO FOREIGN STOCK 780257804 2531 41792 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 2256 47236 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 192 4024 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 804 16848 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 267 5599 SH
SDL INC COMMON STOCK 784076101 1066 7192 SH
SDL INC COMMON STOCK 784076101 9 60 SH
SDL INC COMMON STOCK 784076101 148 1000 SH
SEI INVESTMENTS COMPANY COMMON STOCK 784117103 1053 9400 SH
S&P 500 DEPOSITORY RECEIPT COMMON STOCK 78462F103 2003 15270 SH
SAKS HOLDINGS COMMON STOCK 79377R109 200 20000 SH
SAKS INC COMMON STOCK 79377W108 100 10000 SH
SANMINA CORPORATION COMMON STOCK 800907107 805 10500 SH
SCANA CORP COMMON STOCK 80589M102 229 7760 SH
SCANA CORP COMMON STOCK 80589M102 67 2281 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 3571 62931 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 68 1200 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 45 800 SH
SCHLUMBERGER LTD FOREIGN STOCK 806857108 1869 23387 SH
SCHLUMBERGER LTD FOREIGN STOCK 806857108 16 200 SH
SCHWAB (CHARLES) CORP COMMON STOCK 808513105 2372 83587 SH
SEA CONTAINERS LTD COMMON STOCK 811371707 218 10000 SH
SEPRACOR INC COMMON STOCK 817315104 1346 16798 SH
SEPRACOR INC COMMON STOCK 817315104 18 222 SH
SIEBEL SYSTEMS COMMON STOCK 826170102 325 4800 SH
SIERRA WIRELESS INC COMMON STOCK 826516106 512 11000 SH
SIGNALSOFT CORP COMMON STOCK 82668M102 245 25000 SH
SONOCO PRODS CO COMMON STOCK 835495102 690 31885 SH
SONOCO PRODS CO COMMON STOCK 835495102 22 1000 SH
SONY CORP FOREIGN STOCK 835699307 190 2740 SH
SONY CORP FOREIGN STOCK 835699307 14 200 SH
SONY CORP FOREIGN STOCK 835699307 15 220 SH
THE SOUTHERN COMPANY COMMON STOCK 842587107 442 13281 SH
THE SOUTHERN COMPANY COMMON STOCK 842587107 17 500 SH
THE SOUTHERN COMPANY COMMON STOCK 842587107 17 500 SH
SOUTHERN ENERGY INC DEL COMMON STOCK 842816100 1596 56370 SH
SOUTHERN ENERGY INC DEL COMMON STOCK 842816100 67 2350 SH
STAPLES INC. COMMON STOCK 855030102 835 70677 SH
STAPLES INC. COMMON STOCK 855030102 9 750 SH
STARBUCKS CORP COMMON STOCK 855244109 661 14935 SH
STATE STREET CORP COMMON STOCK 857477103 2801 22553 SH
STATE STREET CORP COMMON STOCK 857477103 12 100 SH
STILWELL FINL INC COMMON STOCK 860831106 561 14215 SH
SUN MICROSYSTEMS INC COMMON STOCK 866810104 6584 236199 SH
SUN MICROSYSTEMS INC COMMON STOCK 866810104 46 1648 SH
SUN MICROSYSTEMS INC COMMON STOCK 866810104 139 5000 SH
SUPREME INDS INC COMMON STOCK 868607102 41 14701 SH
SYSCO CORP COMMON STOCK 871829107 245 8150 SH
TEVA PHARMACEUTICAL ADR COMMON STOCK 881624209 1465 20000 SH
TEXACO INC COMMON STOCK 881694103 1183 19035 SH
TEXACO INC COMMON STOCK 881694103 62 1000 SH
TEXACO INC COMMON STOCK 881694103 298 4800 SH
TEXACO INC COMMON STOCK 881694103 137 2200 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 9143 192986 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 52 1100 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 272 5750 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 49 1025 SH
TIME WARNER INC COMMON STOCK 887315109 7421 142052 SH
TIME WARNER INC COMMON STOCK 887315109 5 100 SH
TIME WARNER INC COMMON STOCK 887315109 18 350 SH
21ST CENTURY INS GROUP COMMON STOCK 90130N103 825 57900 SH
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 13743 247616 SH
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 49 876 SH
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 161 2901 SH
UNITED PARCEL SERVICE-CL B COMMON STOCK 911312106 789 13430 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 75 952 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 220 2800 SH
VANGUARD MUTUAL FUNDS FI 921929204 5133 433535 SH
VANGUARD MUTUAL FUNDS FI 921929204 134 11343 SH
VANGUARD MUTUAL FUNDS FI 921929204 373 31536 SH
VERITAS SOFTWARE CORP COMMON STOCK 923436109 401 4585 SH
VERISIGN INC COMMON STOCK 92343E102 1771 23878 SH
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1091 21765 SH
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 119 2368 SH
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 45 906 SH
VERTICALNET INC COMMON STOCK 92532L107 73 11000 SH
VITESSE SEMICONDUCTOR CORP COMMON STOCK 928497106 730 13200 SH
VITESSE SEMICONDUCTOR CORP COMMON STOCK 928497106 11 200 SH
WAL-MART STORES INC COMMON STOCK 931142103 13318 250684 SH
WAL-MART STORES INC COMMON STOCK 931142103 99 1869 SH
WAL-MART STORES INC COMMON STOCK 931142103 326 6132 SH
WAL-MART STORES INC COMMON STOCK 931142103 109 2050 SH
WALGREEN CO COMMON STOCK 931422109 5983 143082 SH
WALGREEN CO COMMON STOCK 931422109 65 1549 SH
WALGREEN CO COMMON STOCK 931422109 7 176 SH
WEBSTER FINL CORP CONN COMMON STOCK 947890109 1682 59400 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 3824 68660 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 223 4000 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 223 4000 SH
WELLS FARGO COMPANY COMMON STOCK 949746101 328 5890 SH
WILLIAMS COS INC COMMON STOCK 969457100 327 8182 SH
WINSTAR COMMUNICATIONS INC COMMON STOCK 975515107 596 51000 SH
WORLDCOM INC COMMON STOCK 98157D106 1067 75898 SH
WORLDCOM INC COMMON STOCK 98157D106 16 1150 SH
TRANSOCEAN SEDCO FOREX INC COMMON STOCK G90078109 410 8907 SH
TRANSOCEAN SEDCO FOREX INC COMMON STOCK G90078109 2 38 SH
NAME OF ISSUER INVSTMT OTHER VOTING AUTHORITY
SECURITY NAME DISCRTN MANAGERS SOLE SHARED NONE
AFLAC INC SOLE 20100
AES CORP. SOLE 25962
AES CORP. SOLE 2116
AES CORP. DEFINED 400
AT&T CORP SOLE 50254
AT&T CORP SOLE 8400
AT&T CORP DEFINED 1839
AT&T CORP DEF/OTH 1050
ABBOTT LABS SOLE 45475
ABBOTT LABS OTHER 6400
AEGON N.V. SOLE 2084
AEGON N.V. OTHER 3472
AGILENT TECHNOLOGIES INC SOLE 12445
ALLSTATE CORP SOLE 32000
ALLSTATE CORP DEFINED 1854
ALLSTATE CORP OTHER 1112
ALLSTATE CORP DEF/OTH 2276
AMERICA ONLINE INC SOLE 159166
AMERICA ONLINE INC SOLE 20397
AMERICA ONLINE INC DEFINED 552
AMERICA ONLINE INC OTHER 1280
AMERICA ONLINE INC DEF/OTH 4540
AMERICAN EXPRESS CO SOLE 52959
AMERICAN EXPRESS CO SOLE 2900
AMERICAN EXPRESS CO DEFINED 600
AMERICAN EXPRESS CO DEF/OTH 6546
AMERICAN HOME PRODUCTS CORP SOLE 8600
AMERICAN HOME PRODUCTS CORP OTHER 10800
AMERICAN HOME PRODUCTS CORP DEF/OTH 4000
AMER INTL GROUP INC SOLE 173500
AMER INTL GROUP INC SOLE 17734
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
AMGEN INC SOLE 112129
AMGEN INC SOLE 17124
AMGEN INC DEFINED 986
AMGEN INC DEFINED 400
AMGEN INC OTHER 620
AMGEN INC DEF/OTH 50
AON CORP SOLE 22500
ARIBA INC SOLE 76853
ARIBA INC SOLE 6485
ARIBA INC DEFINED 118
ARIBA INC OTHER 60
AURORA BIOSCIENCES CORP SOLE 8200
AUTOMATIC DATA PROCESSING SOLE 20620
BP AMOCO PLC-SPONS ADR SOLE 29186
BP AMOCO PLC-SPONS ADR DEFINED 328
BP AMOCO PLC-SPONS ADR OTHER 10054
BP AMOCO PLC-SPONS ADR DEF/OTH 2380
BANK OF AMERICA CORP SOLE 35559
BANK OF AMERICA CORP SOLE 7100
BANK OF AMERICA CORP DEFINED 913
BANK NEW YORK INC SOLE 7630
BANK NEW YORK INC DEF/OTH 5600
BANK ONE CORP SOLE 38543
BANK ONE CORP SOLE 5500
BANK ONE CORP DEFINED 700
BANK ONE CORP OTHER 101
BEA SYSTEMS INC SOLE 20000
BED BATH & BEYOND INC SOLE 11000
BELLSOUTH CORP SOLE 30796
BELLSOUTH CORP DEFINED 1550
BELLSOUTH CORP OTHER 9400
BELLSOUTH CORP DEF/OTH 3900
BERKSHIRE HATHAWAY INC DEL SOLE 9
BEST BUY INC SOLE 15000
BIOGEN INC SOLE 25794
BIOGEN INC SOLE 9781
BIOGEN INC DEFINED 452
BIOGEN INC OTHER 325
BRISTOL MYERS SQUIBB CO SOLE 81702
BRISTOL MYERS SQUIBB CO SOLE 8908
BRISTOL MYERS SQUIBB CO DEFINED 2800
BRISTOL MYERS SQUIBB CO OTHER 10450
BRISTOL MYERS SQUIBB CO DEF/OTH 5400
BROADCOM CORP - CL A SOLE 14145
BROADCOM CORP - CL A SOLE 123
BROADWING INC SOLE 126186
BROADWING INC SOLE 10650
BROADWING INC DEFINED 3208
BROADWING INC DEFINED 900
BROADWING INC OTHER 23840
BROADWING INC DEF/OTH 300
CALPINE CORP SOLE 100440
CALPINE CORP SOLE 19140
CALPINE CORP DEFINED 2400
CALPINE CORP DEFINED 400
CARDINAL HEALTH SOLE 28893
CARDINAL HEALTH SOLE 3700
CENDANT CORPORATION SOLE 40000
CENTURYTEL INC SOLE 13960
CENTURYTEL INC SOLE 10500
CHASE MANHATTAN CORP SOLE 32465
CHASE MANHATTAN CORP SOLE 8700
CHEESECAKE FACTORY INC SOLE 22500
CHEVRON CORP SOLE 13500
CHEVRON CORP DEFINED 1064
CHEVRON CORP OTHER 1610
CHEVRON CORP DEF/OTH 1696
CHICAGO PIZZA & BREWERY INC SOLE 10000
CHUBB CORP. SOLE 11500
CINERGY CORP SOLE 8449
CINERGY CORP SOLE 877
CINERGY CORP OTHER 895
CINERGY CORP DEF/OTH 1100
CISCO SYSTEMS INC SOLE 371663
CISCO SYSTEMS INC SOLE 30715
CISCO SYSTEMS INC DEFINED 1278
CISCO SYSTEMS INC DEFINED 637
CISCO SYSTEMS INC OTHER 8284
CISCO SYSTEMS INC DEF/OTH 12048
CITIGROUP INC SOLE 272534
CITIGROUP INC SOLE 26163
CITIGROUP INC DEFINED 1038
CITIGROUP INC OTHER 4664
CITIGROUP INC DEF/OTH 399
CLEAR CHANNEL COMMUNICATION SOLE 6686
CLEAR CHANNEL COMMUNICATION SOLE 6100
CLOROX CO SOLE 50208
CLOROX CO SOLE 5171
COCA COLA CO SOLE 90230
COCA COLA CO SOLE 8363
COCA COLA CO DEFINED 8700
COCA COLA CO OTHER 23785
COCA COLA CO DEF/OTH 7700
COMPAQ COMPUTER CORP SOLE 15839
COMPUTER ASSOCIATES SOLE 21000
COMVERSE TECHNOLOGY INC SOLE 6740
CONVERGYS CORP SOLE 16937
CONVERGYS CORP DEFINED 708
CONVERGYS CORP OTHER 25720
CONVERGYS CORP DEF/OTH 300
CORNING INC SOLE 38597
CORNING INC SOLE 5265
CORNING INC DEFINED 225
CORNING INC OTHER 45
COX RADIO INC-CL A SOLE 30000
CYCLOPSS CORP COM SOLE 30000
CYPRESS SEMICONDUCTOR SOLE 12500
DPL, INC SOLE 8050
DPL, INC OTHER 1012
DEERE & CO. OTHER 2400
DEERE & CO. DEF/OTH 2250
DELL COMPUTER CORP SOLE 91724
DELL COMPUTER CORP SOLE 901
DELPHI FINL GROUP INC SOLE 5430
DEVRY INC SOLE 9600
DIGEX INC SOLE 16332
DISNEY WALT CO SOLE 78515
DISNEY WALT CO SOLE 15800
DISNEY WALT CO DEFINED 1525
DOW CHEM CO SOLE 1500
DOW CHEM CO DEFINED 4500
DOW CHEM CO OTHER 1350
DU PONT E I DE NEMOURS & CO SOLE 19200
DU PONT E I DE NEMOURS & CO OTHER 3455
DU PONT E I DE NEMOURS & CO DEF/OTH 3700
DUFF/PHELPS SELECT UTIL DEFINED 11149
DYNEGY INC SOLE 76521
DYNEGY INC SOLE 16190
DYNEGY INC DEFINED 4000
EMC CORPORATION SOLE 274214
EMC CORPORATION SOLE 25686
EMC CORPORATION DEFINED 1200
EMC CORPORATION DEFINED 542
EMC CORPORATION OTHER 2552
EMC CORPORATION DEF/OTH 2450
EATON VANCE CORP SOLE 20000
EMERSON ELEC CO. SOLE 200
EMERSON ELEC CO. DEFINED 2400
EMERSON ELEC CO. OTHER 900
ENRON CORP SOLE 52549
ENRON CORP SOLE 9020
ENRON CORP DEFINED 1126
ENRON CORP DEF/OTH 4470
EXODUS COMMUNICATIONS INC SOLE 243373
EXODUS COMMUNICATIONS INC SOLE 25838
EXODUS COMMUNICATIONS INC DEFINED 400
EXODUS COMMUNICATIONS INC OTHER 62
EXPEDITORS INTL WASH INC SOLE 6000
EXXON MOBIL CORPORATION SOLE 90286
EXXON MOBIL CORPORATION SOLE 9684
EXXON MOBIL CORPORATION DEFINED 10676
EXXON MOBIL CORPORATION OTHER 10874
EXXON MOBIL CORPORATION DEF/OTH 2744
FANNIE MAE SOLE 50476
FANNIE MAE SOLE 1050
FANNIE MAE DEFINED 400
FANNIE MAE DEF/OTH 775
FEDERATED SOLE 19213
FEDERATED SOLE 132129
FEDERATED SOLE 6206
FEDERATED DEFINED 12872
FEDERATED OTHER 32477
FEDERATED DEF/OTH 12184
FEDERATED SOLE 37876
FEDERATED SOLE 17
FEDERATED SOLE 31418
FIFTH THIRD BANCORP SOLE 60205
FIFTH THIRD BANCORP SOLE 75
FIFTH THIRD BANCORP DEFINED 23347
FIFTH THIRD BANCORP DEFINED 421
FIFTH THIRD BANCORP OTHER 54993
FIFTH THIRD BANCORP DEF/OTH 450
FIRST UNION CORP SOLE 62052
FIRST UNION CORP SOLE 6700
FIRST UNION CORP DEFINED 1500
FIRSTAR CORP SOLE 77810
FIRSTAR CORP SOLE 16500
FIRSTAR CORP DEFINED 79400
FIRSTAR CORP OTHER 900
FIRSTAR CORP DEF/OTH 200
FLEETBOSTON FINL CORP SOLE 32898
FLEETBOSTON FINL CORP SOLE 5001
FLEETBOSTON FINL CORP DEFINED 600
FLEETBOSTON FINL CORP DEF/OTH 592
FORD MOTOR CO SOLE 39690
FORD MOTOR CO DEFINED 224
FORD MOTOR CO OTHER 2600
FREEMARKETS INC SOLE 10000
FREMONT GENERAL CORP SOLE 10000
GANNETT INC SOLE 15748
GANNETT INC DEFINED 1114
GANNETT INC OTHER 3200
GANNETT INC DEF/OTH 2400
GAP INC SOLE 18728
GAP INC SOLE 4420
GAP INC DEFINED 644
GAP INC OTHER 139
GAP INC DEF/OTH 393
GATEWAY SOLE 18698
GENERAL ELECTRIC CO SOLE 471737
GENERAL ELECTRIC CO SOLE 40290
GENERAL ELECTRIC CO DEFINED 15041
GENERAL ELECTRIC CO DEFINED 552
GENERAL ELECTRIC CO OTHER 29690
GENERAL ELECTRIC CO DEF/OTH 15888
GENERAL MOTORS CORP. SOLE 8925
GENERAL MOTORS CORP. SOLE 1400
GENERAL MOTORS CORP. DEFINED 550
GENERAL MOTORS CORP. OTHER 1000
GENERAL MOTORS CORP. DEF/OTH 300
GEMTEX CORP SOLE 20000
GEMTEX CORP DEFINED 849
GENZYME CORP SOLE 3000
GLENAYRE TECHNOLOGIES INC SOLE 22500
GLOBIX CORP SOLE 120000
GOVT SECS INCOME FD SOLE 19514
HEWLETT PACKARD CO SOLE 65076
HOME DEPOT INC SOLE 181221
HOME DEPOT INC SOLE 22160
HOME DEPOT INC DEFINED 1588
HOME DEPOT INC DEFINED 474
HOME DEPOT INC OTHER 3455
HOME DEPOT INC DEF/OTH 180
HOMEFED CORP SOLE 29652
HONEYWELL INTL INC SOLE 17575
HONEYWELL INTL INC SOLE 5000
HONEYWELL INTL INC DEFINED 607
HUMAN GENOME SCIENCES SOLE 12400
IMMUNEX CORP SOLE 16000
INFORMIX CORP SOLE 15000
INFOSPACE, INC. SOLE 65000
INKTOMI CORP SOLE 11600
INTEL CORP SOLE 353096
INTEL CORP SOLE 21136
INTEL CORP DEFINED 6300
INTEL CORP OTHER 2420
INTEL CORP DEF/OTH 14500
INTERMEDIA COMMUNICATIONS SOLE 25000
IBM CORP SOLE 16297
IBM CORP SOLE 3400
IBM CORP DEFINED 1700
IBM CORP OTHER 1435
IBM CORP DEF/OTH 1488
FEDERATED SOLE 101028
FEDERATED SOLE 5934
FEDERATED OTHER 110
AFG DEFINED 6991
ISHARES TR S&P 500/BAR GRW SOLE 45000
I 2 TECHNOLOGIES INC. SOLE 70268
I 2 TECHNOLOGIES INC. SOLE 4352
JDS UNIPHASE CORP SOLE 33696
JDS UNIPHASE CORP SOLE 1847
JDS UNIPHASE CORP OTHER 525
JDS UNIPHASE CORP DEF/OTH 100
J2 COMMUNICATIONS SOLE 45900
JANUS DEFINED 3828
JEFFERSON PILOT CORP SOLE 9805
JEFFERSON PILOT CORP SOLE 1200
JEFFERSON PILOT CORP DEFINED 700
JOHNSON & JOHNSON SOLE 88330
JOHNSON & JOHNSON SOLE 9616
JOHNSON & JOHNSON DEFINED 667
JOHNSON & JOHNSON DEFINED 218
JOHNSON & JOHNSON OTHER 3245
JOHNSON & JOHNSON DEF/OTH 800
KENDLE INTERNATIONAL INC SOLE 20220
KIMBERLY CLARK SOLE 17427
KIMBERLY CLARK DEFINED 8000
KIMBERLY CLARK OTHER 1248
KIMBERLY CLARK DEF/OTH 1920
KOHLS CORP SOLE 43959
KOHLS CORP SOLE 5620
KOPIN CORP SOLE 20000
LEGG MASON INC SOLE 10000
LIBERTE INVS INC SOLE 154300
ELI LILLY & CO SOLE 68482
ELI LILLY & CO SOLE 5635
ELI LILLY & CO DEFINED 305
ELI LILLY & CO DEFINED 155
ELI LILLY & CO OTHER 2900
ELI LILLY & CO DEF/OTH 310
LINCOLN NATL CORP SOLE 2800
LINCOLN NATL CORP DEFINED 1800
LINCOLN NATL CORP OTHER 300
LINCOLN NATL CORP DEF/OTH 2400
LUCENT TECHNOLOGIES INC SOLE 9592
LUCENT TECHNOLOGIES INC SOLE 600
LUCENT TECHNOLOGIES INC DEFINED 700
LUCENT TECHNOLOGIES INC OTHER 256
LUCENT TECHNOLOGIES INC DEF/OTH 200
MBIA INC SOLE 19530
MRV COMMUNICATIONS INC SOLE 26000
MARSH & MCLENNAN COS. INC. SOLE 15300
MARSH & MCLENNAN COS. INC. DEFINED 412
MARSH & MCLENNAN COS. INC. DEF/OTH 2700
MEDIMMUNE SOLE 75332
MEDIMMUNE SOLE 10025
MEDIMMUNE DEFINED 250
MEDIMMUNE OTHER 45
MEDIMMUNE DEF/OTH 285
MELLON FINANCIAL SOLE 15926
MELLON FINANCIAL SOLE 1730
MELLON FINANCIAL DEFINED 700
MERCK & CO INC SOLE 58466
MERCK & CO INC SOLE 3050
MERCK & CO INC DEFINED 400
MERCK & CO INC OTHER 2400
MERCK & CO INC DEF/OTH 350
MERCURY GENERAL CORP SOLE 20000
MERRILL LYNCH & CO SOLE 41865
MERRILL LYNCH & CO SOLE 4400
MERRILL LYNCH & CO DEFINED 800
MICROSOFT CORP SOLE 221156
MICROSOFT CORP SOLE 23685
MICROSOFT CORP DEFINED 1540
MICROSOFT CORP DEFINED 345
MICROSOFT CORP OTHER 8310
MICROSOFT CORP DEF/OTH 1120
MILLENNIUM PHARMACEUTICALS INC SOLE 26610
MILLENNIUM PHARMACEUTICALS INC SOLE 200
MINNESOTA MINING & MFG CO SOLE 11150
MINNESOTA MINING & MFG CO OTHER 4400
MONTANA PWR CO SOLE 31615
MONTANA PWR CO SOLE 4640
MONTANA PWR CO DEFINED 150
MONTANA PWR CO OTHER 800
MORGAN J.P. & CO INC SOLE 5750
MORGAN J.P. & CO INC OTHER 600
MORGAN J.P. & CO INC DEF/OTH 840
MORGAN STANLEY DEAN WITTER & CO SOLE 11125
MORGAN STANLEY DEAN WITTER & CO SOLE 1000
MORGAN STANLEY DEAN WITTER & CO DEFINED 800
MOTOROLA INC SOLE 46756
MOTOROLA INC SOLE 1900
MOTOROLA INC DEFINED 450
MOTOROLA INC OTHER 4800
MOTOROLA INC DEF/OTH 600
MUTUAL RISK MANAGEMENT LTD SOLE 28000
MYRIAD GENETICS INC SOLE 12400
NRG ENERGY INC SOLE 44880
NRG ENERGY INC SOLE 8050
NASDAQ-100 SHARES SOLE 5938
NATIONAL CITY CORP SOLE 45873
NATIONAL CITY CORP DEF/OTH 1060
NATL COMMERCE BANCORP SOLE 16000
NATL COMMERCE BANCORP SOLE 1800
NETSILICON INC SOLE 67175
NETSILICON INC DEFINED 500
NETWORK APPLIANCE INC SOLE 29708
NETWORK APPLIANCE INC SOLE 1310
NISOURCE INC SOLE 6819
NOKIA CORP ADR SOLE 277192
NOKIA CORP ADR SOLE 11938
NOKIA CORP ADR DEFINED 1034
NOKIA CORP ADR OTHER 3804
NOKIA CORP ADR DEF/OTH 825
NORFOLK SOUTHN CORP DEFINED 5130
NORFOLK SOUTHN CORP DEF/OTH 11517
NORTEL NETWORKS CORP SOLE 180898
NORTEL NETWORKS CORP SOLE 24271
NORTEL NETWORKS CORP DEFINED 1000
NORTEL NETWORKS CORP DEFINED 598
NORTEL NETWORKS CORP OTHER 1120
NORTEL NETWORKS CORP DEF/OTH 540
NOVELLUS SYSTEMS SOLE 12000
NUVEEN MUNI VALUE FUND SOLE 11095
OMEGA ORTHODONTICS INC SOLE 10000
ORACLE CORP SOLE 264374
ORACLE CORP SOLE 30732
ORACLE CORP DEFINED 1476
ORACLE CORP DEF/OTH 800
PNC FINANCIAL SERVICES GROUP SOLE 5306
PNC FINANCIAL SERVICES GROUP DEFINED 8800
PALM INC SOLE 11198
PEPSICO INC SOLE 27140
PEPSICO INC DEFINED 7000
PEPSICO INC DEF/OTH 1600
PFIZER INC SOLE 303058
PFIZER INC SOLE 30868
PFIZER INC DEFINED 2592
PFIZER INC OTHER 7463
PFIZER INC DEF/OTH 570
PHARMACIA CORP SOLE 1511
PHARMACIA CORP DEF/OTH 2000
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
PIEDMONT NATURAL GAS CO SOLE 3700
PIEDMONT NATURAL GAS CO DEFINED 1800
PIONEER STD ELECTRS INC SOLE 10000
PLEXUS CORP SOLE 23000
PROCTER & GAMBLE CO. SOLE 116991
PROCTER & GAMBLE CO. SOLE 345
PROCTER & GAMBLE CO. DEFINED 4818
PROCTER & GAMBLE CO. OTHER 30526
PROCTER & GAMBLE CO. DEF/OTH 5300
PROGRESSIVE CORP OHIO SOLE 6705
PROTECTIVE LIFE CORP SOLE 10364
PROVIDIAN FINANCIAL CORP SOLE 19535
PROVIDIAN FINANCIAL CORP OTHER 6000
REALNETWORKS INC SOLE 14400
RIVERFRONT SOLE 1463407
RIVERFRONT SOLE 79153
RIVERFRONT DEFINED 14516
RIVERFRONT OTHER 48289
RIVERFRONT DEF/OTH 48538
RIVERFRONT SOLE 93979
RIVERFRONT SOLE 1676
RIVERFRONT OTHER 486
RIVERFRONT SOLE 38742
RIVERFRONT SOLE 13664
RIVERFRONT SOLE 3388538
RIVERFRONT SOLE 52034
RIVERFRONT DEFINED 31699
RIVERFRONT OTHER 210311
RIVERFRONT DEF/OTH 139822
RIVERFRONT SOLE 330154
RIVERFRONT SOLE 18873
RIVERFRONT OTHER 260
RIVERFRONT DEF/OTH 4289
T ROWE PRICE SOLE 19930
ROYAL DUTCH PETROLEUM CO SOLE 37792
ROYAL DUTCH PETROLEUM CO SOLE 4000
SBC COMMUNICATIONS SOLE 47236
SBC COMMUNICATIONS DEFINED 4024
SBC COMMUNICATIONS OTHER 16848
SBC COMMUNICATIONS DEF/OTH 5599
SDL INC SOLE 6270
SDL INC SOLE 922
SDL INC DEFINED 60
SDL INC OTHER 1000
SEI INVESTMENTS COMPANY SOLE 9400
S&P 500 DEPOSITORY RECEIPT SOLE 15270
SAKS HOLDINGS SOLE 20000
SAKS INC SOLE 10000
SANMINA CORPORATION SOLE 10500
SCANA CORP SOLE 4100
SCANA CORP SOLE 3660
SCANA CORP DEFINED 2281
SCHERING-PLOUGH CORP SOLE 57294
SCHERING-PLOUGH CORP SOLE 5637
SCHERING-PLOUGH CORP DEFINED 1200
SCHERING-PLOUGH CORP OTHER 800
SCHLUMBERGER LTD SOLE 21077
SCHLUMBERGER LTD SOLE 2310
SCHLUMBERGER LTD DEF/OTH 200
SCHWAB (CHARLES) CORP SOLE 65908
SCHWAB (CHARLES) CORP SOLE 17679
SEA CONTAINERS LTD SOLE 10000
SEPRACOR INC SOLE 16588
SEPRACOR INC SOLE 210
SEPRACOR INC DEFINED 222
SIEBEL SYSTEMS SOLE 4800
SIERRA WIRELESS INC SOLE 11000
SIGNALSOFT CORP SOLE 25000
SONOCO PRODS CO SOLE 29735
SONOCO PRODS CO SOLE 2150
SONOCO PRODS CO DEFINED 1000
SONY CORP SOLE 2590
SONY CORP SOLE 150
SONY CORP DEFINED 200
SONY CORP DEF/OTH 220
THE SOUTHERN COMPANY SOLE 12451
THE SOUTHERN COMPANY SOLE 830
THE SOUTHERN COMPANY DEFINED 500
THE SOUTHERN COMPANY DEF/OTH 500
SOUTHERN ENERGY INC DEL SOLE 46370
SOUTHERN ENERGY INC DEL SOLE 10000
SOUTHERN ENERGY INC DEL DEFINED 2350
STAPLES INC. SOLE 54731
STAPLES INC. SOLE 15946
STAPLES INC. OTHER 750
STARBUCKS CORP SOLE 14935
STATE STREET CORP SOLE 20043
STATE STREET CORP SOLE 2510
STATE STREET CORP DEFINED 100
STILWELL FINL INC SOLE 13015
STILWELL FINL INC SOLE 1200
SUN MICROSYSTEMS INC SOLE 226691
SUN MICROSYSTEMS INC SOLE 9508
SUN MICROSYSTEMS INC DEFINED 1448
SUN MICROSYSTEMS INC DEFINED 200
SUN MICROSYSTEMS INC OTHER 5000
SUPREME INDS INC SOLE 14701
SYSCO CORP SOLE 8150
TEVA PHARMACEUTICAL ADR SOLE 20000
TEXACO INC SOLE 18335
TEXACO INC SOLE 700
TEXACO INC DEFINED 1000
TEXACO INC OTHER 4800
TEXACO INC DEF/OTH 2200
TEXAS INSTRUMENTS INC SOLE 171289
TEXAS INSTRUMENTS INC SOLE 21697
TEXAS INSTRUMENTS INC DEFINED 1100
TEXAS INSTRUMENTS INC OTHER 5750
TEXAS INSTRUMENTS INC DEF/OTH 1025
TIME WARNER INC SOLE 128294
TIME WARNER INC SOLE 13758
TIME WARNER INC DEFINED 100
TIME WARNER INC OTHER 350
21ST CENTURY INS GROUP SOLE 57900
TYCO INTERNATIONAL LTD SOLE 225866
TYCO INTERNATIONAL LTD SOLE 21750
TYCO INTERNATIONAL LTD DEFINED 600
TYCO INTERNATIONAL LTD DEFINED 276
TYCO INTERNATIONAL LTD OTHER 2901
UNITED PARCEL SERVICE-CL B SOLE 12820
UNITED PARCEL SERVICE-CL B SOLE 610
UNITED TECHNOLOGIES CORP SOLE 952
UNITED TECHNOLOGIES CORP DEF/OTH 2800
VANGUARD SOLE 433535
VANGUARD OTHER 11343
VANGUARD DEF/OTH 31536
VERITAS SOFTWARE CORP SOLE 4500
VERITAS SOFTWARE CORP SOLE 85
VERISIGN INC SOLE 23630
VERISIGN INC SOLE 248
VERIZON COMMUNICATIONS SOLE 20881
VERIZON COMMUNICATIONS SOLE 884
VERIZON COMMUNICATIONS DEFINED 2368
VERIZON COMMUNICATIONS DEF/OTH 906
VERTICALNET INC SOLE 11000
VITESSE SEMICONDUCTOR CORP SOLE 13200
VITESSE SEMICONDUCTOR CORP DEFINED 200
WAL-MART STORES INC SOLE 228621
WAL-MART STORES INC SOLE 22063
WAL-MART STORES INC DEFINED 1450
WAL-MART STORES INC DEFINED 419
WAL-MART STORES INC OTHER 6132
WAL-MART STORES INC DEF/OTH 2050
WALGREEN CO SOLE 136253
WALGREEN CO SOLE 6829
WALGREEN CO DEFINED 1100
WALGREEN CO DEFINED 449
WALGREEN CO OTHER 176
WEBSTER FINL CORP CONN SOLE 59400
WELLS FARGO COMPANY SOLE 68130
WELLS FARGO COMPANY SOLE 530
WELLS FARGO COMPANY DEFINED 4000
WELLS FARGO COMPANY OTHER 4000
WELLS FARGO COMPANY DEF/OTH 5890
WILLIAMS COS INC SOLE 8182
WINSTAR COMMUNICATIONS INC SOLE 51000
WORLDCOM INC SOLE 59384
WORLDCOM INC SOLE 16514
WORLDCOM INC DEFINED 1150
TRANSOCEAN SEDCO FOREX INC SOLE 7087
TRANSOCEAN SEDCO FOREX INC SOLE 1820
TRANSOCEAN SEDCO FOREX INC DEF/OTH 38
</TABLE>
