UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 6/30/99
CHECK HERE IF AMENDMENT ( ); AMENDMENT NUMBER:
THIS AMENDMENT (CHECK ONLY ONE.): ( ) IS A RESTATEMENT.
( ) ADDS NEW HOLDINGS ENTRIES
INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT:
NAME: First Virginia Bank
ADDRESS: Room 840
6400 Arlington Blvd
Falls Church, VA 22042
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: Mary Turner
TITLE: Trust Operations
PHONE: (703)533-6250
SIGNATURE,PLACE,AND DATE OF SIGNING:
Mary Turner Falls Church, VA 7/6/99
REPORT TYPE (CHECK ONLY ONE.):
( X) 13F HOLDINGS REPORT
( ) 13F NOTICE
( ) 13F COMBINATION REPORT
LIST OF OTHER MANAGERS REPORTING FOR THIS MANAGER:
NONE
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: 846
FORM 13F INFORMATION TABLE VALUE TOTAL: $430,334
<PAGE>
<TABLE> <C> <C>
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/
INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X1000) PRN AMT PRN CALL
DSCRETN MANAGERS SOLE
SHARED NONE
- - ---------------- --------- -------- -------- --- ---- ------- ------------ --------
- -------- --------
AAR CORPORATION COMMON STOCK 000361105 10 430 SH OTHER
430 0 0
ABBOTT LABS COMMON STOCK 002824100 1947 42906 SH
DEFINED 39706 1000 2200
ABBOTT LABS COMMON STOCK 002824100 1138 25090 SH OTHER
24390 0 700
ADC TELECOMMUNICATIONS INC COMMON STOCK 000886101 26 580 SH OTHER
580 0
0
AETNA INC. COMMON STOCK 008117103 72 800 SH
DEFINED 800 0 0
AETNA INC. COMMON STOCK 008117103 72 800 SH OTHER
800 0 0
AFFILIATED COMPUTER SVCS-A COMMON STOCK 008190100 18 351 SH OTHER
0 351
0
AFLAC INC COMMON STOCK 001055102 316 6600 SH
DEFINED 6600 0 0
AGL RESOURCES, INC. COMMON STOCK 001204106 5 296 SH OTHER
296 0 0
AGRIBRANDS INTERNATIONAL COMMON STOCK 00849R105 1 20 SH
DEFINED 20 0 0
AIRTOUCH COMMUNICATIONS COMMON STOCK 00949T100 792 7355 SH
DEFINED 5675 0
1680
AIRTOUCH COMMUNICATIONS COMMON STOCK 00949T100 160 1483 SH OTHER
1483 0
0
ALBEMARLE CORP COMMON STOCK 012653101 2 102 SH OTHER
102 0 0
ALBERTSONS INC COMMON STOCK 013104104 101 1950 SH
DEFINED 1950 0 0
ALCOA INC COMMON STOCK 013817101 322 5205 SH
DEFINED 4655 0 550
ALCOA INC COMMON STOCK 013817101 6 100 SH OTHER
100 0 0
ALLEGHENY ENERGY, INC COMMON STOCK 017361106 24 760 SH
DEFINED 760 0 0
ALLIANT ENERGY CORP COMMON STOCK 018802108 22 758 SH
DEFINED 758 0 0
ALLIANT ENERGY CORP COMMON STOCK 018802108 11 397 SH OTHER
397 0 0
ALLIANT TECHSYSTEMS INC COMMON STOCK 018804104 6 75 SH
DEFINED 75 0 0
ALLIANT TECHSYSTEMS INC COMMON STOCK 018804104 4 50 SH OTHER
50 0 0
ALLIED CAPITAL CORP (NEW) COMMON STOCK 01903Q108 15 640 SH OTHER
640 0 0
ALLIED SIGNAL INC COMMON STOCK 019512102 166 2630 SH
DEFINED 2600 0 30
ALLMERICA FINANCIAL CORP COMMON STOCK 019754100 15 248 SH
DEFINED 0 0
248
ALLMERICA FINANCIAL CORP COMMON STOCK 019754100 27 445 SH OTHER
445 0 0
ALLMERICA SECURITIES TRUST COMMON STOCK 019921105 7 700 SH
DEFINED 700 0
0
ALLSTATE CORP COMMON STOCK 020002101 328 9136 SH
DEFINED 5800 0 3336
ALLSTATE CORP COMMON STOCK 020002101 99 2758 SH OTHER
2018 740 0
ALLTEL CORP COMMON STOCK 020039103 46 640 SH
DEFINED 640 0 0
ALLTEL CORP COMMON STOCK 020039103 7 92 SH OTHER
92 0 0
ALZA CORP COMMON STOCK 022615108 31 600 SH
DEFINED 600 0 0
AMERADA HESS CORP COMMON STOCK 023551104 39 648 SH
DEFINED 648 0 0
AMEREN CORP COMMON STOCK 023608102 4 100 SH
DEFINED 100 0 0
AMEREN CORP COMMON STOCK 023608102 8 206 SH OTHER
206 0 0
AMERICA ONLINE INC COMMON STOCK 02364J104 61 550 SH
DEFINED 550 0 0
AMERICA ONLINE INC COMMON STOCK 02364J104 6 50 SH OTHER
50 0 0
AMERICAN CAPITAL STRATEGIES LT COMMON STOCK 024937104 9 500 SH OTHER
500 0
0
AMERICAN ELECTRIC POWER COMMON STOCK 025537101 203 5407 SH
DEFINED 5407 0
0
AMERICAN ELECTRIC POWER COMMON STOCK 025537101 85 2258 SH OTHER
2108 0
150
AMERICAN EXPRESS CO COMMON STOCK 025816109 483 3709 SH
DEFINED 3664 0 45
AMERICAN GENERAL CORP COMMON STOCK 026351106 477 6324 SH
DEFINED 6304 0
20
AMERICAN HOME PRODS CP COMMON STOCK 026609107 4211 73390 SH
DEFINED 68965 800
3625
AMERICAN HOME PRODS CP COMMON STOCK 026609107 753 13120 SH OTHER
11000 1920
200
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874107 3332 28418 SH
DEFINED 26555
0 1863
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874107 1437 12255 SH OTHER
12255
0 0
AMERICAN SCIENCE & ENGINEERING COMMON STOCK 029429107 406 44500 SH
DEFINED 44500
0 0
AMERICAN WATER WORKS COMMON STOCK 030411102 12 400 SH OTHER
200 200 0
AMERITECH CORP COMMON STOCK 030954101 2619 35632 SH
DEFINED 29881 0 5751
AMERITECH CORP COMMON STOCK 030954101 900 12244 SH OTHER
11394 0 850
AMGEN INC COMMON STOCK 031162100 49 800 SH
DEFINED 800 0 0
AMSOUTH BANCORPORATION COMMON STOCK 032165102 10 450 SH OTHER
450 0
0
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 1121 15800 SH
DEFINED 15150 0
650
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 117 1650 SH OTHER
1650 0 0
AON CORP COMMON STOCK 037389103 124 3000 SH
DEFINED 3000 0 0
APPLE COMPUTER INC COMMON STOCK 037833100 9 200 SH OTHER
200 0 0
APPLIED MATERIALS COMMON STOCK 038222105 1817 24600 SH
DEFINED 23225 0 1375
APPLIED MATERIALS COMMON STOCK 038222105 70 950 SH OTHER
750 200 0
ARCHER DANIELS MIDLAND COMMON STOCK 039483102 4 231 SH
DEFINED 231 0 0
ARMCO INC COMMON STOCK 042170100 1 100 SH
DEFINED 100 0 0
ASSOCIATES FIRST CAPITAL CL A COMMON STOCK 046008108 65 1478 SH
DEFINED 1206 0
272
ASSOCIATES FIRST CAPITAL CL A COMMON STOCK 046008108 233 5275 SH OTHER
5275 0
0
AT&T CORP. COMMON STOCK 001957109 4098 73426 SH
DEFINED 68518 300 4608
AT&T CORP. COMMON STOCK 001957109 1383 24777 SH OTHER
22453 750 1574
ATLANTIC FINANCIAL COMMON STOCK 04853R100 19 1033 SH
DEFINED 1033 0 0
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 753 9008 SH
DEFINED 8608 400 0
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 33 400 SH OTHER
300 0 100
ATMOS ENERGY CORP COMMON STOCK 049560105 15 600 SH
DEFINED 600 0 0
ATRION CORP COMMON STOCK 049904105 29 3067 SH
DEFINED 3067 0 0
AUTOLIV INC COMMON STOCK 052800109 9 306 SH
DEFINED 306 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 3969 90195 SH
DEFINED 82745
800 6650
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 717 16300 SH OTHER
14600 1700
0
B.I. INC COMMON STOCK 055467203 4 500 SH
DEFINED 500 0 0
BALLY TOTAL FITNESS HLDG CORP COMMON STOCK 05873K108 0 12 SH
DEFINED 12 0
0
BANK NEW YORK INC COMMON STOCK 064057102 132 3600 SH
DEFINED 3600 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 2120 28924 SH
DEFINED 16089 0
12835
BANK OF AMERICA CORP COMMON STOCK 060505104 112 1529 SH OTHER
1529 0 0
BANK ONE CORP COMMON STOCK 06423A103 802 13467 SH
DEFINED 12605 0 862
BANK ONE CORP COMMON STOCK 06423A103 209 3506 SH OTHER
3506 0 0
BATTLE MOUNTAIN GOLD CO. COMMON STOCK 071593107 0 100 SH
DEFINED 100 0 0
BAXTER INTERNATIONAL INC. COMMON STOCK 071813109 247 4075 SH
DEFINED 3675 400
0
BAXTER INTERNATIONAL INC. COMMON STOCK 071813109 159 2620 SH OTHER
2620 0
0
BB&T CORPORATION COMMON STOCK 054937107 512 13952 SH
DEFINED 13952 0 0
BEAR STEARNS COS INC COMMON STOCK 073902108 75 1612 SH
DEFINED 945 0 667
BEC ENERGY COMMON STOCK 05538M101 18 428 SH OTHER
428 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 12 400 SH OTHER
400 0 0
BELL ATLANTIC CORP COMMON STOCK 077853109 7902 120873 SH
DEFINED 113806 0
7067
BELL ATLANTIC CORP COMMON STOCK 077853109 1472 22516 SH OTHER
19874 2134
508
BELLSOUTH CORP COMMON STOCK 079860102 6587 142813 SH
DEFINED 127118 2000
13695
BELLSOUTH CORP COMMON STOCK 079860102 1129 24472 SH OTHER
24472 0 0
BEMA GOLD CORP COMMON STOCK 08135F107 1 1000 SH
DEFINED 0 0 1000
BERINGER WINE ESTATES-B COMMON STOCK 084102102 4 100 SH
DEFINED 0 0 100
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670207 47 21 SH OTHER
21 0
0
BEST BUY INC COMMON STOCK 086516101 27 400 SH
DEFINED 400 0 0
BESTFOODS COMMON STOCK 08658U101 109 2200 SH
DEFINED 2200 0 0
BESTFOODS COMMON STOCK 08658U101 247 4988 SH OTHER
4288 0 700
BJ'S WHOLESALE CLUB COMMON STOCK 05548J106 29 950 SH OTHER
950 0 0
BLACK & DECKER CORP COMMON STOCK 091797100 17 270 SH
DEFINED 270 0 0
BLOCK DRUG CLASS A COMMON STOCK 093644102 12 277 SH OTHER
277 0 0
BOB EVANS FARMS COMMON STOCK 096761101 6 312 SH OTHER
0 312 0
BOEING CO COMMON STOCK 097023105 325 7382 SH
DEFINED 7358 0 24
BOEING CO COMMON STOCK 097023105 51 1166 SH OTHER
1166 0 0
BOISE CASCADE CORP. COMMON STOCK 097383103 21 500 SH
DEFINED 500 0 0
BRISTOL-MYERS SQUIBB CO. COMMON STOCK 110122108 5249 74522 SH
DEFINED 70022 2200
2300
BRISTOL-MYERS SQUIBB CO. COMMON STOCK 110122108 999 14180 SH OTHER
13480 0
700
BROOKTROUT INC COMMON STOCK 114580103 36 2250 SH
DEFINED 2250 0 0
BRUNSWICK CORP COMMON STOCK 117043109 83 2970 SH
DEFINED 2970 0 0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK 12189T104 384 12384 SH
DEFINED 11634
0 750
BURLINGTON NORTHERN SANTA FE C COMMON STOCK 12189T104 66 2121 SH OTHER
2121 0
0
BURLINGTON RES INC COMMON STOCK 122014103 53 1220 SH
DEFINED 1220 0 0
C & F FINANCIAL CORP COMMON STOCK 12466Q104 148 8000 SH
DEFINED 0 0 8000
CAMPBELL SOUP CO COMMON STOCK 134429109 46 1000 SH
DEFINED 1000 0 0
CAMPBELL SOUP CO COMMON STOCK 134429109 46 1000 SH OTHER
1000 0 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 2385 42831 SH
DEFINED 21600 0
21231
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 70 1260 SH OTHER
1260 0
0
CAPITAL TRUST-CL A COMMON STOCK 14052H100 1 300 SH OTHER
300 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 98 1523 SH
DEFINED 1523 0 0
CAREY DIVERSIFIED LLC COMMON STOCK 14174P105 28 1649 SH OTHER
1649 0 0
CARNIVAL CORP COMMON STOCK 143658102 378 7800 SH
DEFINED 7250 0 550
CAROLINA POWER & LIGHT CO COMMON STOCK 144141108 137 3200 SH
DEFINED 3200 0
0
CATERPILLAR, INC COMMON STOCK 149123101 113 1876 SH
DEFINED 1876 0 0
CATERPILLAR, INC COMMON STOCK 149123101 102 1700 SH OTHER
1700 0 0
CBS CORPORATION COMMON STOCK 12490K107 39 900 SH
DEFINED 900 0 0
CBS CORPORATION COMMON STOCK 12490K107 4 100 SH OTHER
100 0 0
CENDANT CORPORATION COMMON STOCK 151313103 32 1585 SH
DEFINED 792 0 793
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 158 6777 SH
DEFINED 6777 0
0
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 155 6610 SH OTHER
6610 0
0
CFW COMMUNICATIONS CO COMMON STOCK 124923103 784 32350 SH
DEFINED 0 0
32350
CHALONE WINE GROUP LTD COMMON STOCK 157639105 1 100 SH
DEFINED 0 0 100
CHAMPION INTERNATIONAL COMMON STOCK 158525105 5 100 SH
DEFINED 100 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105 586 5375 SH
DEFINED 5275 0
100
CHARLES SCHWAB CORP COMMON STOCK 808513105 55 500 SH OTHER
500 0 0
CHASE MANHATTAN CORP (NEW) COMMON STOCK 16161A108 157 1820 SH
DEFINED 1780 0
40
CHASE MANHATTAN CORP (NEW) COMMON STOCK 16161A108 17 200 SH OTHER
200 0
0
CHESAPEAKE CORP COMMON STOCK 165159104 82 2200 SH
DEFINED 1200 0 1000
CHESAPEAKE CORP COMMON STOCK 165159104 35 942 SH OTHER
942 0 0
CHEVRON CORPORATION COMMON STOCK 166751107 1650 17357 SH
DEFINED 15982 0
1375
CHEVRON CORPORATION COMMON STOCK 166751107 675 7096 SH OTHER
7096 0 0
CHOICEPOINT INC COMMON STOCK 170388102 3 50 SH
DEFINED 50 0 0
CHOICEPOINT INC COMMON STOCK 170388102 6 90 SH OTHER
90 0 0
CHUBB CORP COMMON STOCK 171232101 104 1500 SH
DEFINED 1500 0 0
CHUBB CORP COMMON STOCK 171232101 33 470 SH OTHER
470 0 0
CINCINNATI BELL INC COMMON STOCK 171870108 245 9825 SH
DEFINED 8875 0 950
CINCINNATI BELL INC COMMON STOCK 171870108 61 2450 SH OTHER
2450 0 0
CINERGY CORP COMMON STOCK 172474108 104 3250 SH
DEFINED 2750 0 500
CIRCUIT CITY GROUP COMMON STOCK 172737108 605 6500 SH
DEFINED 1400 0 5100
CIRCUIT CITY GROUP COMMON STOCK 172737108 56 600 SH OTHER
600 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 3989 61910 SH
DEFINED 58362 0 3548
CISCO SYSTEMS INC COMMON STOCK 17275R102 712 11050 SH OTHER
10450 600 0
CITIGROUP INC. COMMON STOCK 172967101 179 3776 SH
DEFINED 3776 0 0
CITIGROUP INC. COMMON STOCK 172967101 140 2941 SH OTHER
2941 0 0
CITY INVESTING CO LIQ TR COMMON STOCK 177900107 0 210 SH
DEFINED 210 0 0
CLECO CORPORATION COMMON STOCK 12561M107 20 664 SH
DEFINED 664 0 0
CLEVELAND CLIFFS INC COMMON STOCK 185896107 5 150 SH OTHER
150 0 0
CLOROX CO COMMON STOCK 189054109 11 100 SH
DEFINED 100 0 0
CLOROX CO COMMON STOCK 189054109 11 100 SH OTHER
100 0 0
CNF TRANSPORTATION INC COMMON STOCK 12612W104 25 640 SH
DEFINED 525 0
115
COASTAL CORP COMMON STOCK 190441105 4 110 SH
DEFINED 110 0 0
COCA COLA BOTTLING CO CONSOL COMMON STOCK 191098102 6 110 SH OTHER
0 110
0
COCA COLA CO COMMON STOCK 191216100 3538 57059 SH
DEFINED 52639 1600 2820
COCA COLA CO COMMON STOCK 191216100 1300 20967 SH OTHER
20165 400 402
COCA-COLA FEMSA S.A. ADR COMMON STOCK 191241108 12 600 SH
DEFINED 0 0 600
COLGATE PALMOLIVE CO COMMON STOCK 194162103 256 5200 SH
DEFINED 5200 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 69 1400 SH OTHER
1400 0 0
COLUMBIA ENERGY GROUP COMMON STOCK 197648108 22 352 SH OTHER
352 0 0
COLUMBUS MCKINNON CORP COMMON STOCK 199333105 66 2750 SH
DEFINED 2750 0
0
COMCAST CORP SPECIAL-CLASS A COMMON STOCK 200300200 8 200 SH
DEFINED 0 0
200
COMERICA INC COMMON STOCK 200340107 48 800 SH
DEFINED 800 0 0
COMPAQ COMPUTER CORP COMMON STOCK 204493100 86 3610 SH
DEFINED 3610 0
0
COMVERSE TECHNOLOGY INC COMMON STOCK 205862402 74 975 SH
DEFINED 975 0
0
CONAGRA INC COMMON STOCK 205887102 39 1480 SH OTHER
1480 0 0
CONECTIV INC CL A COMMON STOCK 206829202 3 62 SH
DEFINED 62 0 0
CONECTIV, INC. COMMON STOCK 206829103 122 5000 SH
DEFINED 4500 0 500
CONECTIV, INC. COMMON STOCK 206829103 18 750 SH OTHER
0 0 750
CONEXANT SYSTEMS COMMON STOCK 207142100 20 350 SH
DEFINED 350 0 0
CONEXANT SYSTEMS COMMON STOCK 207142100 23 400 SH OTHER
400 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 68 1513 SH
DEFINED 1445 0
68
CONSOLIDATED EDISON INC COMMON STOCK 209115104 28 608 SH OTHER
608 0 0
CONSOLIDATED GRAPHICS INC COMMON STOCK 209341106 157 3136 SH
DEFINED 3136 0
0
CONSOLIDATED NATURAL GAS COMMON STOCK 209615103 602 9905 SH
DEFINED 9505 300
100
CONSOLIDATED NATURAL GAS COMMON STOCK 209615103 295 4850 SH OTHER
4750 100
0
CONSOLIDATED STORES CORP COMMON STOCK 210149100 8 300 SH
DEFINED 300 0 0
CONSTELLATION ENERGY GROUP COMMON STOCK 210371100 822 27735 SH
DEFINED 26935
0 800
CONSTELLATION ENERGY GROUP COMMON STOCK 210371100 400 13492 SH OTHER
11192
300 2000
CONVERGYS CORP COMMON STOCK 212485106 97 5000 SH
DEFINED 4800 0 200
CONVERGYS CORP COMMON STOCK 212485106 19 1000 SH OTHER
1000 0 0
COOPER CAMERON CORP COMMON STOCK 216640102 10 278 SH
DEFINED 278 0 0
COOPER INDUSTRIES INC COMMON STOCK 216669101 8 160 SH
DEFINED 160 0 0
CORDANT TECHNOLOGIES INC COMMON STOCK 218412104 11 240 SH
DEFINED 240 0
0
CORN PRODUCTS INTERNATIONAL COMMON STOCK 219023108 7 225 SH
DEFINED 225 0
0
CORN PRODUCTS INTERNATIONAL COMMON STOCK 219023108 8 250 SH OTHER
250 0
0
CORNERSTONE PROPERTIES COMMON STOCK 21922H103 16 1000 SH OTHER
1000 0 0
CORNING INC COMMON STOCK 219350105 28 400 SH
DEFINED 400 0 0
CORNING INC COMMON STOCK 219350105 28 400 SH OTHER
400 0 0
COVANCE INC COMMON STOCK 222816100 2 100 SH
DEFINED 100 0 0
CRESTLINE CAPITAL COMMON STOCK 226153104 28 1684 SH
DEFINED 1684 0 0
CROWN CORK & SEAL INC COMMON STOCK 228255105 7 263 SH OTHER
263 0 0
CSX CORP COMMON STOCK 126408103 621 13693 SH
DEFINED 13393 0 300
CSX CORP COMMON STOCK 126408103 32 700 SH OTHER
700 0 0
CVS CORP COMMON STOCK 126650100 15 300 SH OTHER
300 0 0
CYPRUS AMAX MINERALS CO COMMON STOCK 232809103 1 48 SH
DEFINED 48 0 0
CYTOGEN CORP COMMON STOCK 232824102 1 500 SH
DEFINED 500 0 0
DAIMLERCHRYSLER AG COMMON STOCK D1668R123 139 1558 SH
DEFINED 311 0
1247
DANA CORP COMMON STOCK 235811106 62 1336 SH
DEFINED 1336 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 15 700 SH
DEFINED 700 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 31 1404 SH OTHER
1404 0 0
DAYTON HUDSON CORP COMMON STOCK 239753106 2677 41190 SH
DEFINED 39315 0
1875
DAYTON HUDSON CORP COMMON STOCK 239753106 530 8160 SH OTHER
7660 500 0
DEERE & CO COMMON STOCK 244199105 67 1700 SH
DEFINED 1700 0 0
DEERE & CO COMMON STOCK 244199105 55 1400 SH OTHER
1400 0 0
DEL MONTE FOODS CO COMMON STOCK 24522P103 17 1000 SH OTHER
1000 0 0
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 340 18405 SH
DEFINED 17173 0
1232
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 47 2523 SH OTHER
2523 0
0
DELTA AIRLINES, INC. COMMON STOCK 247361108 35 600 SH OTHER
600 0 0
DELUXE CORP COMMON STOCK 248019101 39 1000 SH OTHER
1000 0 0
DENTSPLY INTERNATIONAL INC COMMON STOCK 249030107 12 400 SH
DEFINED 400 0
0
DIAL CORP NEW COMMON STOCK 25247D101 15 400 SH
DEFINED 400 0 0
DIAL CORP NEW COMMON STOCK 25247D101 22 600 SH OTHER
600 0 0
DIMON INC COMMON STOCK 254394109 5 1000 SH OTHER
0 1000 0
DOMINION RESOURCES COMMON STOCK 257470104 1203 27779 SH
DEFINED 25396 294
2089
DOMINION RESOURCES COMMON STOCK 257470104 168 3873 SH OTHER
3873 0 0
DOVER CORP COMMON STOCK 260003108 49 1400 SH OTHER
1400 0 0
DOW CHEMICAL CO COMMON STOCK 260543103 693 5462 SH
DEFINED 5187 0 275
DOW CHEMICAL CO COMMON STOCK 260543103 533 4198 SH OTHER
4198 0 0
DPL INC COMMON STOCK 233293109 59 3183 SH
DEFINED 3183 0 0
DPL INC COMMON STOCK 233293109 7 393 SH OTHER
0 0 393
DQE, INC. COMMON STOCK 23329J104 41 1028 SH
DEFINED 1028 0 0
DTE ENERGY COMPANY COMMON STOCK 233331107 23 555 SH
DEFINED 555 0 0
DTE ENERGY COMPANY COMMON STOCK 233331107 5 113 SH OTHER
113 0 0
DUKE ENERGY CORP COMMON STOCK 264399106 991 18208 SH
DEFINED 16385 0 1823
DUKE ENERGY CORP COMMON STOCK 264399106 322 5907 SH OTHER
5807 100 0
E I DU PONT DE NEMOURS & CO. COMMON STOCK 263534109 4016 58790 SH
DEFINED 56600 0
2190
E I DU PONT DE NEMOURS & CO. COMMON STOCK 263534109 1105 16178 SH OTHER
15078 200
900
EARL SCHEIB INC COMMON STOCK 806398103 1 250 SH OTHER
250 0 0
EASTERN VIRGINIA BANKSHARES COMMON STOCK 277196101 35 2000 SH
DEFINED 0 0
2000
EASTMAN CHEMICAL COMPANY COMMON STOCK 277432100 98 1887 SH
DEFINED 1775 0
112
EASTMAN CHEMICAL COMPANY COMMON STOCK 277432100 9 168 SH OTHER
168 0
0
EASTMAN KODAK CO COMMON STOCK 277461109 307 4532 SH
DEFINED 4036 0 496
EASTMAN KODAK CO COMMON STOCK 277461109 68 1000 SH OTHER
1000 0 0
EATON CORP COMMON STOCK 278058102 51 550 SH
DEFINED 550 0 0
ECHELON INTL CORP COMMON STOCK 278747100 1 60 SH
DEFINED 60 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 21 778 SH
DEFINED 778 0 0
EL PASO ENERGY COMMON STOCK 283905107 20 582 SH
DEFINED 582 0 0
ELECTRONIC DATA SYSTEMS CORP COMMON STOCK 285661104 714 12610 SH
DEFINED 12210
0 400
ELECTRONIC DATA SYSTEMS CORP COMMON STOCK 285661104 230 4070 SH OTHER
3670 400
0
EMC CORP MASS COMMON STOCK 268648102 3564 64800 SH
DEFINED 64800 0 0
EMERSON ELECTRIC CO. COMMON STOCK 291011104 1365 21685 SH
DEFINED 19945 300
1440
EMERSON ELECTRIC CO. COMMON STOCK 291011104 906 14399 SH OTHER
13424 0 975
ENERGY EAST CORPORATION COMMON STOCK 29266M109 5 204 SH
DEFINED 204 0
0
ENRON CORP COMMON STOCK 293561106 101 1240 SH
DEFINED 1190 0 50
ENRON OIL & GAS CO COMMON STOCK 293562104 1 70 SH
DEFINED 0 0 70
ENSCO INTERNATIONAL COMMON STOCK 26874Q100 3 150 SH OTHER
150 0 0
ENTERGY CORP (NEW) COMMON STOCK 29364G103 13 400 SH
DEFINED 400 0 0
EQUIFAX INC COMMON STOCK 294429105 1780 49875 SH
DEFINED 48275 0 1600
EQUIFAX INC COMMON STOCK 294429105 375 10500 SH OTHER
10000 500 0
EXXON CORP COMMON STOCK 302290101 13536 175511 SH
DEFINED 169661 1400 4450
EXXON CORP COMMON STOCK 302290101 2821 36576 SH OTHER
33726 1600 1250
F & M NATIONAL CORP COMMON STOCK 302374103 434 13068 SH
DEFINED 13068 0 0
FEDERAL HOME LOAN MORTGAGE COR COMMON STOCK 313400301 35 600 SH
DEFINED 600
0 0
FEDERAL HOME LOAN MORTGAGE COR COMMON STOCK 313400301 46 800 SH OTHER
800
0 0
FEDERAL NATIONAL MORTGAGE ASSN COMMON STOCK 313586109 4048 59310 SH
DEFINED 53960
600 4750
FEDERAL NATIONAL MORTGAGE ASSN COMMON STOCK 313586109 1222 17905 SH OTHER
15255
550 2100
FEDERAL SIGNAL CORP COMMON STOCK 313855108 87 4100 SH
DEFINED 4100 0 0
FEDERAL SIGNAL CORP COMMON STOCK 313855108 31 1460 SH OTHER
1460 0 0
FEDERATED DEPT STORES INC COMMON STOCK 31410H101 5 100 SH
DEFINED 0 0 100
FIFTH THIRD BANCORP COMMON STOCK 316773100 45 675 SH OTHER
675 0 0
FINOVA GROUP INC COMMON STOCK 317928109 151 2875 SH
DEFINED 2875 0 0
FINOVA GROUP INC COMMON STOCK 317928109 58 1101 SH OTHER
1101 0 0
FIRST AMERN CORP TENN COMMON STOCK 318900107 28 678 SH OTHER
678 0 0
FIRST CITIZENS BANCSHARES CLAS COMMON STOCK 31946M103 82 1010 SH
DEFINED 1010 0
0
FIRST UNION CORP COMMON STOCK 337358105 1125 23879 SH
DEFINED 13887 0 9992
FIRST UNION CORP COMMON STOCK 337358105 91 1928 SH OTHER
1928 0 0
FIRST VIRGINIA BANKS, INC. COMMON STOCK 337477103 23993 488397 SH
DEFINED 482895 0
5502
FIRST VIRGINIA BANKS, INC. COMMON STOCK 337477103 12235 249061 SH OTHER
239856 9205
0
FIRSTENERGY CORP COMMON STOCK 337932107 13 415 SH OTHER
300 115 0
FLEET FINL GROUP INC NEW COMMON STOCK 338915101 32 720 SH
DEFINED 720 0 0
FLEET FINL GROUP INC NEW COMMON STOCK 338915101 109 2450 SH OTHER
2450 0 0
FLORIDA PROGRESS CORP COMMON STOCK 341109106 84 2025 SH
DEFINED 1650 0 375
FLORIDA PROGRESS CORP COMMON STOCK 341109106 22 525 SH OTHER
525 0 0
FMC CORP COMMON STOCK 302491303 24 350 SH
DEFINED 350 0 0
FOOD LION INC CLASS A COMMON STOCK 344775200 1 100 SH
DEFINED 100 0 0
FOOD LION INC CLASS B COMMON STOCK 344775101 1 100 SH
DEFINED 100 0 0
FORD MOTOR CO COMMON STOCK 345370100 153 2710 SH
DEFINED 2710 0 0
FORD MOTOR CO COMMON STOCK 345370100 547 9700 SH OTHER
8200 1500 0
FOREST OIL CORP COMMON STOCK 346091606 1 43 SH
DEFINED 43 0 0
FORT JAMES CORP COMMON STOCK 347471104 13 350 SH OTHER
350 0 0
FORTUNE BRANDS INC COMMON STOCK 349631101 417 10084 SH
DEFINED 8784 0 1300
FORTUNE BRANDS INC COMMON STOCK 349631101 108 2600 SH OTHER
2600 0 0
FOSTER WHEELER CORP COMMON STOCK 350244109 31 2200 SH
DEFINED 2200 0 0
FOX ENTERTAINMENT GRP-A COMMON STOCK 35138T107 3 100 SH
DEFINED 100 0 0
FPL GROUP INC COMMON STOCK 302571104 586 10722 SH
DEFINED 9798 0 924
FPL GROUP INC COMMON STOCK 302571104 85 1550 SH OTHER
1550 0 0
FRONTIER CORPORATION COMMON STOCK 35906P105 117 2000 SH
DEFINED 0 0 2000
FROZEN FOOD EXPRESS INDS COMMON STOCK 359360104 2 300 SH OTHER
0 300 0
FRUIT OF THE LOOM INC-CLASS A COMMON STOCK G3682L105 10 1000 SH OTHER
0 0
1000
GANNETT INC COMMON STOCK 364730101 1619 22685 SH
DEFINED 22685 0 0
GANNETT INC COMMON STOCK 364730101 842 11800 SH OTHER
11750 50 0
GARDNER DENVER INC COMMON STOCK 365558105 0 24 SH
DEFINED 24 0 0
GATX CORP COMMON STOCK 361448103 30 800 SH
DEFINED 800 0 0
GENENTECH INC-SPECIAL COMMON COMMON STOCK 368710307 54 650 SH OTHER
650 0
0
GENERAL AMERICAN INVESTORS COMMON STOCK 368802104 51 1570 SH
DEFINED 1570 0
0
GENERAL DYNAMICS COMMON STOCK 369550108 7 100 SH
DEFINED 100 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 15483 137020 SH
DEFINED 131983 0
5037
GENERAL ELECTRIC CO COMMON STOCK 369604103 5590 49469 SH OTHER
45694 2650
1125
GENERAL MAGIC INC COMMON STOCK 370253106 4 1000 SH
DEFINED 0 0 1000
GENERAL MILLS, INC. COMMON STOCK 370334104 145 1800 SH
DEFINED 1800 0 0
GENERAL MILLS, INC. COMMON STOCK 370334104 193 2404 SH OTHER
2404 0 0
GENERAL MOTORS CORP CLASS H COMMON STOCK 370442832 62 1100 SH
DEFINED 1000 0
100
GENERAL MOTORS CORP CLASS H COMMON STOCK 370442832 3 54 SH OTHER
54 0
0
GENERAL MTRS CORP COMMON STOCK 370442105 1773 26857 SH
DEFINED 24892 0
1965
GENERAL MTRS CORP COMMON STOCK 370442105 239 3616 SH OTHER
3616 0 0
GENUINE PARTS CO COMMON STOCK 372460105 879 25105 SH
DEFINED 25105 0 0
GENUINE PARTS CO COMMON STOCK 372460105 164 4687 SH OTHER
3375 1312 0
GEORGIA PACIFIC TIMBER GROUP COMMON STOCK 373298702 23 900 SH
DEFINED 900 0
0
GEORGIA PACIFIC TIMBER GROUP COMMON STOCK 373298702 5 180 SH OTHER
180 0
0
GEORGIA-PACIFIC GROUP COMMON STOCK 373298108 104 2200 SH
DEFINED 2200 0 0
GEORGIA-PACIFIC GROUP COMMON STOCK 373298108 17 360 SH OTHER
360 0 0
GILLETTE CO COMMON STOCK 375766102 1743 42510 SH
DEFINED 41060 0 1450
GILLETTE CO COMMON STOCK 375766102 634 15454 SH OTHER
15354 100 0
GOODRICH B.F. CO COMMON STOCK 382388106 9 200 SH OTHER
0 200 0
GOODYEAR TIRE & RUBBER CO COMMON STOCK 382550101 93 1586 SH
DEFINED 1586 0
0
GRAINGER (W.W.) INC COMMON STOCK 384802104 110 2050 SH
DEFINED 1600 0 450
GRAINGER (W.W.) INC COMMON STOCK 384802104 11 200 SH OTHER
200 0 0
GRC INTL COMMON STOCK 361922107 2 200 SH OTHER
0 200 0
GREAT ATL & PAC TEA COMMON STOCK 390064103 8 250 SH OTHER
250 0 0
GTE CORP COMMON STOCK 362320103 4059 53763 SH
DEFINED 49859 0 3904
GTE CORP COMMON STOCK 362320103 971 12862 SH OTHER
12862 0 0
H&R BLOCK, INC. COMMON STOCK 093671105 128 2550 SH
DEFINED 2550 0 0
HALLIBURTON CO COMMON STOCK 406216101 495 10932 SH
DEFINED 9207 0 1725
HALLIBURTON CO COMMON STOCK 406216101 247 5450 SH OTHER
5450 0 0
HANNA (M A) CO COMMON STOCK 410522106 33 2023 SH
DEFINED 2023 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 97 1780 SH
DEFINED 1630 0 150
HARLEY DAVIDSON INC COMMON STOCK 412822108 11 200 SH OTHER
200 0 0
HARRAH'S ENTERTAINMENT INC. COMMON STOCK 413619107 7 300 SH
DEFINED 300 0
0
HARRIS CORP DEL COMMON STOCK 413875105 60 1520 SH
DEFINED 0 0 1520
HARTFORD FINANCIAL SERVICES GR COMMON STOCK 416515104 180 3094 SH
DEFINED 3094
0 0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK 416515104 36 618 SH OTHER
618 0
0
HASBRO INC COMMON STOCK 418056107 4 157 SH
DEFINED 0 0 157
HAWAIIAN ELECTRIC INDUSTRIES I COMMON STOCK 419870100 11 300 SH
DEFINED 300 0
0
HEALTH CARE PROPERTY INVESTORS COMMON STOCK 421915109 9 300 SH
DEFINED 300 0
0
HEALTH MANAGEMENT ASSOC CL A COMMON STOCK 421933102 128 11389 SH
DEFINED 11389
0 0
HEINZ H J CO COMMON STOCK 423074103 311 6200 SH
DEFINED 6200 0 0
HEINZ H J CO COMMON STOCK 423074103 83 1650 SH OTHER
1650 0 0
HERSHEY FOODS CORP COMMON STOCK 427866108 89 1500 SH
DEFINED 1500 0 0
HEWLETT PACKARD CO COMMON STOCK 428236103 191 1900 SH
DEFINED 1900 0 0
HEWLETT PACKARD CO COMMON STOCK 428236103 553 5500 SH OTHER
5500 0 0
HIGHLANDS INSURANCE GROUP COMMON STOCK 431032101 1 80 SH OTHER
80 0 0
HILTON HOTELS CORP COMMON STOCK 432848109 2 130 SH
DEFINED 50 0 80
HOME DEPOT INC COMMON STOCK 437076102 4959 76952 SH
DEFINED 73502 0 3450
HOME DEPOT INC COMMON STOCK 437076102 918 14250 SH OTHER
14250 0 0
HOMEBASE INC COMMON STOCK 43738E108 3 475 SH OTHER
475 0 0
HONEYWELL INC COMMON STOCK 438506107 145 1250 SH
DEFINED 1200 0 50
HONEYWELL INC COMMON STOCK 438506107 93 800 SH OTHER
800 0 0
HOST MARRIOTT SERVICES CORP COMMON STOCK 440914109 26 3165 SH
DEFINED 3165 0
0
HOST MARRIOTT SERVICES CORP COMMON STOCK 440914109 4 538 SH OTHER
538 0
0
HOUSEHOLD INTERNATIONAL INC. COMMON STOCK 441815107 116 2442 SH OTHER
2442 0
0
HUBBELL INC CL B COMMON STOCK 443510201 16 350 SH
DEFINED 350 0 0
HUNT CORP COMMON STOCK 445591100 37 4538 SH
DEFINED 4538 0 0
HUSSMANN INTERNATIONAL INC COMMON STOCK 448110106 109 6571 SH
DEFINED 6571 0
0
IBP INC COMMON STOCK 449223106 3 110 SH
DEFINED 0 0 110
IKON OFFICE SOLUTIONS COMMON STOCK 451713101 50 3300 SH OTHER
3300 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 2385 29177 SH
DEFINED 28427 0
750
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 462 5650 SH OTHER
5450 200 0
IMATION CORP COMMON STOCK 45245A107 11 453 SH
DEFINED 453 0 0
IMS HEALTH COMMON STOCK 449934108 11 350 SH
DEFINED 350 0 0
INGERSOLL RAND CO COMMON STOCK 456866102 78 1200 SH
DEFINED 1200 0 0
INTEL CORP COMMON STOCK 458140100 4915 82600 SH
DEFINED 80000 0 2600
INTEL CORP COMMON STOCK 458140100 1600 26890 SH OTHER
26690 200 0
INTELECT COMMUNICATIONS INC COMMON STOCK 458144102 0 1 SH
DEFINED 1 0 0
INTERNATIONAL BUSINESS MACHINE COMMON STOCK 459200101 6332 48988 SH
DEFINED 43960
800 4228
INTERNATIONAL BUSINESS MACHINE COMMON STOCK 459200101 2530 19574 SH OTHER
18870
0 704
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 143 3250 SH
DEFINED 3250
0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 11 250 SH OTHER
250 0
0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 113 2240 SH
DEFINED 2240 0
0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 15 300 SH OTHER
300 0 0
INTERPUBLIC GROUP COS INC COMMON STOCK 460690100 1587 18322 SH
DEFINED 17157 0
1165
INTERPUBLIC GROUP COS INC COMMON STOCK 460690100 1189 13731 SH OTHER
12681 0
1050
IPALCO ENTERPRISES INC COMMON STOCK 462613100 114 5400 SH
DEFINED 5400 0 0
ITT INDUSTRIES COMMON STOCK 450911102 40 1056 SH
DEFINED 1056 0 0
ITT INDUSTRIES COMMON STOCK 450911102 12 309 SH OTHER
309 0 0
JAMES RIVER BANKSHARES COMMON STOCK 470345109 2 150 SH
DEFINED 150 0 0
JEFFERSON PILOT CORP COMMON STOCK 475070108 10 150 SH OTHER
150 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 5355 54639 SH
DEFINED 50739 0
3900
JOHNSON & JOHNSON COMMON STOCK 478160104 1467 14965 SH OTHER
14265 0 700
JOHNSON CONTROLS INC COMMON STOCK 478366107 36 516 SH
DEFINED 516 0 0
K MART CORP COMMON STOCK 482584109 17 1000 SH
DEFINED 1000 0 0
K N ENERGY INC COMMON STOCK 482620101 3 247 SH OTHER
247 0 0
KANSAS CITY POWER & LIGHT COMMON STOCK 485134100 8 300 SH
DEFINED 300 0 0
KANSAS CITY POWER & LIGHT COMMON STOCK 485134100 7 275 SH OTHER
0 0 275
KELLOGG CO COMMON STOCK 487836108 294 8900 SH
DEFINED 8500 0 400
KELLOGG CO COMMON STOCK 487836108 26 800 SH OTHER
800 0 0
KERR MCGEE CORP COMMON STOCK 492386107 2 38 SH OTHER
38 0 0
KEYCORP COMMON STOCK 493267108 125 3900 SH
DEFINED 0 0 3900
KIMBERLY CLARK CORP COMMON STOCK 494368103 737 12937 SH
DEFINED 11189 0
1748
KIMBERLY CLARK CORP COMMON STOCK 494368103 302 5300 SH OTHER
5300 0 0
KNIGHT RIDDER INC COMMON STOCK 499040103 132 2400 SH
DEFINED 2400 0 0
KOHLS CORP COMMON STOCK 500255104 646 8400 SH
DEFINED 8300 0 100
KROGER CO COMMON STOCK 501044101 78 2792 SH
DEFINED 2792 0 0
LANDAMERICA FINANCIAL GROUP COMMON STOCK 514936103 25 875 SH
DEFINED 375 0
500
LEHMAN BROTHERS HOLDINGS COMMON STOCK 524908100 26 424 SH
DEFINED 424 0
0
LG & E ENERGY CORP COMMON STOCK 501917108 46 2213 SH
DEFINED 2213 0 0
LG & E ENERGY CORP COMMON STOCK 501917108 15 702 SH OTHER
702 0 0
LILLY ELI & CO COMMON STOCK 532457108 188 2620 SH
DEFINED 480 0 2140
LILLY ELI & CO COMMON STOCK 532457108 57 800 SH OTHER
800 0 0
LINDAL CEDAR HOMES INC COMMON STOCK 535130108 1 485 SH
DEFINED 485 0 0
LIONS GATE ENTERTAINMENT COMMON STOCK 535919203 2 1000 SH
DEFINED 0 0
1000
LIZ CLAIBORNE COMMON STOCK 539320101 9 250 SH OTHER
250 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 89 2400 SH
DEFINED 2400 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 60 1622 SH OTHER
1622 0 0
LOUISIANA PACIFIC CORP COMMON STOCK 546347105 17 700 SH
DEFINED 700 0 0
LOUISIANA PACIFIC CORP COMMON STOCK 546347105 2 78 SH OTHER
78 0 0
LOWES COMPANIES COMMON STOCK 548661107 136 2400 SH
DEFINED 2300 0 100
LUBRIZOL CORP COMMON STOCK 549271104 36 1332 SH
DEFINED 1332 0 0
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 5636 83579 SH
DEFINED 77155 0
6424
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 1261 18692 SH OTHER
17940 396
356
MADISON GAS & ELEC CO COMMON STOCK 557497104 5 225 SH
DEFINED 225 0 0
MARRIOTT INTERNATIONAL-CL A COMMON STOCK 571903202 1548 41410 SH
DEFINED 39850
0 1560
MARRIOTT INTERNATIONAL-CL A COMMON STOCK 571903202 264 7060 SH OTHER
7060 0
0
MASCO CORP COMMON STOCK 574599106 117 4050 SH
DEFINED 4050 0 0
MASCO CORP COMMON STOCK 574599106 43 1500 SH OTHER
1400 0 100
MASON-DIXON BANCSHARES COMMON STOCK 575207105 48 1000 SH
DEFINED 1000 0
0
MAY DEPT STORES CO COMMON STOCK 577778103 346 8477 SH
DEFINED 8127 0 350
MAY DEPT STORES CO COMMON STOCK 577778103 144 3524 SH OTHER
3524 0 0
MBIA INC COMMON STOCK 55262C100 426 6580 SH
DEFINED 5980 0 600
MBIA INC COMMON STOCK 55262C100 52 800 SH OTHER
800 0 0
MBNA CORP COMMON STOCK 55262L100 4600 150214 SH
DEFINED 140494 2025 7695
MBNA CORP COMMON STOCK 55262L100 1303 42562 SH OTHER
40945 1617 0
MCCORMICK & CO INC NON-VOTING COMMON STOCK 579780206 19 600 SH
DEFINED 600 0
0
MCCORMICK & CO INC NON-VOTING COMMON STOCK 579780206 139 4400 SH OTHER
4400 0
0
MCDERMOTT INTERNATIONAL COMMON STOCK 580037109 3 100 SH OTHER
100 0 0
MCDONALDS CORP COMMON STOCK 580135101 2643 64256 SH
DEFINED 58116 2200
3940
MCDONALDS CORP COMMON STOCK 580135101 586 14240 SH OTHER
13640 0 600
MCGRAW-HILL COMPANIES INC COMMON STOCK 580645109 1246 23100 SH
DEFINED 22500 0
600
MCGRAW-HILL COMPANIES INC COMMON STOCK 580645109 291 5400 SH OTHER
5000 0
400
MCI WORLDCOM COMMON STOCK 55268B106 712 8272 SH
DEFINED 6429 0 1843
MCI WORLDCOM COMMON STOCK 55268B106 54 625 SH OTHER
625 0 0
MCN ENERGY GROUP COMMON STOCK 55267J100 8 400 SH
DEFINED 400 0 0
MDU RESOURCES GROUP COMMON STOCK 552690109 24 1050 SH
DEFINED 1050 0 0
MEAD CORP COMMON STOCK 582834107 17 400 SH
DEFINED 400 0 0
MEAD CORP COMMON STOCK 582834107 292 7000 SH OTHER
7000 0 0
MEDIAONE GROUP INC. COMMON STOCK 58440J104 421 5667 SH
DEFINED 4906 0 761
MEDIAONE GROUP INC. COMMON STOCK 58440J104 86 1158 SH OTHER
1158 0 0
MEDPARTNERS INC COMMON STOCK 58503X107 5 605 SH
DEFINED 605 0 0
MEDTRONIC INC. COMMON STOCK 585055106 3249 41715 SH
DEFINED 41090 0 625
MEDTRONIC INC. COMMON STOCK 585055106 421 5400 SH OTHER
5400 0 0
MELLON BANK CORP COMMON STOCK 585509102 55 1524 SH
DEFINED 1524 0 0
MELLON BANK CORP COMMON STOCK 585509102 24 660 SH OTHER
660 0 0
MERCANTILE BANKSHARES COMMON STOCK 587405101 235 6654 SH
DEFINED 6654 0
0
MERCANTILE BANKSHARES COMMON STOCK 587405101 316 8920 SH OTHER
8920 0
0
MERCK & CO INC COMMON STOCK 589331107 5417 73582 SH
DEFINED 69732 400 3450
MERCK & CO INC COMMON STOCK 589331107 1847 25088 SH OTHER
20888 3100 1100
MERITOR AUTOMOTIVE INC COMMON STOCK 59000G100 6 233 SH
DEFINED 233 0 0
MERITOR AUTOMOTIVE INC COMMON STOCK 59000G100 7 266 SH OTHER
266 0 0
MERRILL LYNCH & CO INC COMMON STOCK 590188108 86 1080 SH
DEFINED 1080 0 0
METRO-GOLDWYN-MAYER INC COMMON STOCK 591610100 4 200 SH
DEFINED 200 0
0
METROMEDIA INTL GROUP INC COMMON STOCK 591695101 0 20 SH
DEFINED 20 0 0
MICROS SYSTEMS COMMON STOCK 594901100 34 1000 SH
DEFINED 1000 0 0
MICROSOFT CORP COMMON STOCK 594918104 5267 58400 SH
DEFINED 56450 0 1950
MICROSOFT CORP COMMON STOCK 594918104 1166 12930 SH OTHER
12330 600 0
MIDAS INC COMMON STOCK 595626102 62 2188 SH
DEFINED 2188 0 0
MINNESOTA MINING & MANUFACTURI COMMON STOCK 604059105 1331 15315 SH
DEFINED 14815
200 300
MINNESOTA MINING & MANUFACTURI COMMON STOCK 604059105 343 3950 SH OTHER
3900
0 50
MINNESOTA POWER INC COMMON STOCK 604110106 40 2000 SH
DEFINED 2000 0 0
MINNESOTA POWER INC COMMON STOCK 604110106 9 444 SH OTHER
444 0 0
MOBIL CORP COMMON STOCK 607059102 5091 51559 SH
DEFINED 50159 400 1000
MOBIL CORP COMMON STOCK 607059102 1556 15760 SH OTHER
15460 100 200
MONSANTO CO COMMON STOCK 611662107 300 7575 SH
DEFINED 4625 0 2950
MONTANA POWER CO COMMON STOCK 612085100 275 3900 SH
DEFINED 3900 0 0
MONY GROUP INC COMMON STOCK 615337102 28 867 SH
DEFINED 867 0 0
MORGAN J P & CO INC COMMON STOCK 616880100 254 1810 SH
DEFINED 1810 0 0
MORGAN J P & CO INC COMMON STOCK 616880100 48 340 SH OTHER
340 0 0
MORGAN STANLEY, DEAN WITTER & COMMON STOCK 617446448 283 2762 SH
DEFINED 2762
0 0
MORGAN STANLEY, DEAN WITTER & COMMON STOCK 617446448 87 848 SH OTHER
458 0
390
MOTOROLA INC COMMON STOCK 620076109 588 6207 SH
DEFINED 5907 0 300
MOTOROLA INC COMMON STOCK 620076109 171 1800 SH OTHER
1700 100 0
MYLAN LABORATORIES INC COMMON STOCK 628530107 16 600 SH
DEFINED 600 0 0
NABISCO GROUP HOLDINGS CORP COMMON STOCK 62952P102 13 686 SH
DEFINED 686 0
0
NABISCO GROUP HOLDINGS CORP COMMON STOCK 62952P102 5 240 SH OTHER
240 0
0
NATIONAL CITY CORP COMMON STOCK 635405103 140 2137 SH
DEFINED 700 0 1437
NATIONAL CITY CORP COMMON STOCK 635405103 310 4740 SH OTHER
4740 0 0
NATIONAL FUEL GAS N J COMMON STOCK 636180101 432 8910 SH
DEFINED 8560 0 350
NATIONAL FUEL GAS N J COMMON STOCK 636180101 29 600 SH OTHER
600 0 0
NCR CORPORATION COMMON STOCK 62886E108 15 310 SH
DEFINED 310 0 0
NCR CORPORATION COMMON STOCK 62886E108 12 240 SH OTHER
240 0 0
NETWORK PERIPHERALS INC COMMON STOCK 64121R100 8 429 SH
DEFINED 429 0 0
NEVADA POWER CO COMMON STOCK 641423108 13 500 SH
DEFINED 500 0 0
NEW ENGLAND ELECTRIC SYSTEM COMMON STOCK 644001109 11 220 SH OTHER
0 0
220
NEWELL RUBBERMAID INC COMMON STOCK 651229106 327 7058 SH
DEFINED 5745 0
1313
NEWELL RUBBERMAID INC COMMON STOCK 651229106 58 1260 SH OTHER
1260 0 0
NEWMONT MINING CORP COMMON STOCK 651639106 35 1749 SH
DEFINED 1749 0 0
NEWPORT NEWS SHIPBUILDING COMMON STOCK 652228107 3 100 SH
DEFINED 100 0
0
NEXTEL COMMUNICATIONS INC-A COMMON STOCK 65332V103 5 100 SH
DEFINED 100 0
0
NIELSEN MEDIA RESEARCH COMMON STOCK 653929307 1 33 SH OTHER
33 0 0
NISOURCE INC. COMMON STOCK 65473P105 44 1700 SH
DEFINED 1700 0 0
NISOURCE INC. COMMON STOCK 65473P105 23 880 SH OTHER
880 0 0
NORDSTROM INC COMMON STOCK 655664100 70 2100 SH
DEFINED 2100 0 0
NORDSTROM INC COMMON STOCK 655664100 40 1200 SH OTHER
1200 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 2850 94621 SH
DEFINED 87846 0
6775
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 403 13383 SH OTHER
11858 1075
450
NORTHEAST UTILITIES COMMON STOCK 664397106 5 284 SH
DEFINED 284 0 0
NORTHERN STATES POWER MINN COMMON STOCK 665772109 69 2852 SH
DEFINED 2852 0
0
NORTHWEST NATURAL GAS CO COMMON STOCK 667655104 11 450 SH
DEFINED 450 0
0
NUCOR CORP COMMON STOCK 670346105 354 7455 SH
DEFINED 7005 0 450
NUCOR CORP COMMON STOCK 670346105 28 600 SH OTHER
500 100 0
O'SULLIVAN CORP COMMON STOCK 688605104 947 77713 SH
DEFINED 77713 0 0
OCCIDENTAL PETROLEUM CORP COMMON STOCK 674599105 19 900 SH
DEFINED 900 0
0
OFFICEMAX INC COMMON STOCK 67622M108 2 165 SH
DEFINED 0 0 165
OGE ENERGY CORP COMMON STOCK 670837103 10 400 SH
DEFINED 400 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 460 12400 SH
DEFINED 12400 0
0
ORACLE CORPORATION COMMON STOCK 68389X105 22 600 SH OTHER
600 0 0
ORANGE & ROCKLAND UTILITIES COMMON STOCK 684065105 41 700 SH
DEFINED 700 0
0
OSHKOSH TRUCK CORP COMMON STOCK 688239201 5 100 SH
DEFINED 100 0 0
P P & L RESOURCES COMMON STOCK 693499105 25 801 SH OTHER
801 0 0
PACIFICORP COMMON STOCK 695114108 7 362 SH
DEFINED 362 0 0
PACIFICORP COMMON STOCK 695114108 7 375 SH OTHER
375 0 0
PARK PLACE ENTERTAINMENT COMMON STOCK 700690100 2 230 SH
DEFINED 150 0
80
PECO ENERGY CO COMMON STOCK 693304107 168 4000 SH
DEFINED 0 0 4000
PECO ENERGY CO COMMON STOCK 693304107 42 1012 SH OTHER
1012 0 0
PENNEY J C INC COMMON STOCK 708160106 518 10669 SH
DEFINED 9269 0 1400
PENNEY J C INC COMMON STOCK 708160106 62 1280 SH OTHER
1040 240 0
PENNZENERGY CO COMMON STOCK 70931Q109 1 50 SH
DEFINED 50 0 0
PENNZOIL-QUAKER STATE COMMON STOCK 709323109 1 50 SH
DEFINED 50 0 0
PEOPLES ENERGY CORPORATION COMMON STOCK 711030106 11 300 SH
DEFINED 300 0
0
PEPSICO INC COMMON STOCK 713448108 2668 68972 SH
DEFINED 65122 700 3150
PEPSICO INC COMMON STOCK 713448108 682 17629 SH OTHER
13929 3600 100
PFIZER INC COMMON STOCK 717081103 3114 85695 SH
DEFINED 84420 0 1275
PFIZER INC COMMON STOCK 717081103 348 9585 SH OTHER
9585 0 0
PG & E CORP COMMON STOCK 69331C108 27 834 SH
DEFINED 834 0 0
PG & E CORP COMMON STOCK 69331C108 43 1336 SH OTHER
1336 0 0
PHELPS DODGE CORP COMMON STOCK 717265102 31 500 SH OTHER
0 0 500
PHILADELPHIA SUBN CORP COMMON STOCK 718009608 95 4113 SH
DEFINED 4113 0 0
PHILIP MORRIS COS INC COMMON STOCK 718154107 2475 61583 SH
DEFINED 60183 600
800
PHILIP MORRIS COS INC COMMON STOCK 718154107 721 17950 SH OTHER
13750 2700
1500
PHILLIPS PETROLEUM CO COMMON STOCK 718507106 131 2600 SH
DEFINED 2600 0 0
PIEDMONT NATURAL GAS INC COMMON STOCK 720186105 16 520 SH
DEFINED 520 0
0
PINNACLE WEST CAPITAL CORP COMMON STOCK 723484101 4 100 SH OTHER
100 0 0
PIONEER HI-BRED INTL INC COMMON STOCK 723686101 105 2700 SH
DEFINED 2700 0 0
PITNEY BOWES INC COMMON STOCK 724479100 296 4600 SH
DEFINED 4600 0 0
PITTSTON BAX GROUP COMMON STOCK 725701882 1 110 SH
DEFINED 110 0 0
PITTSTON BRINK'S GROUP COMMON STOCK 725701106 6 220 SH
DEFINED 220 0 0
PLAYBOY ENTERPRISES CL A COMMON STOCK 728117201 2 100 SH
DEFINED 100 0 0
PNC BANK CORP COMMON STOCK 693475105 61 1050 SH
DEFINED 1050 0 0
PNC BANK CORP COMMON STOCK 693475105 52 896 SH OTHER
896 0 0
POTOMAC ELECTRIC POWER CO COMMON STOCK 737679100 1141 38764 SH
DEFINED 33764 0
5000
POTOMAC ELECTRIC POWER CO COMMON STOCK 737679100 250 8495 SH OTHER
6394 1850
251
PPG INDS INC COMMON STOCK 693506107 1162 19669 SH
DEFINED 18719 0 950
PPG INDS INC COMMON STOCK 693506107 201 3400 SH OTHER
3100 100 200
PRAXAIR INC COMMON STOCK 74005P104 217 4426 SH
DEFINED 4396 0 30
PREMARK INTL INC COMMON STOCK 740459102 15 400 SH
DEFINED 400 0 0
PRIMARK CORP COMMON STOCK 741903108 6 224 SH
DEFINED 224 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 5454 61107 SH
DEFINED 57567 1600
1940
PROCTER & GAMBLE CO COMMON STOCK 742718109 2393 26816 SH OTHER
25466 400
950
PROGRESSIVE CORP OHIO COMMON STOCK 743315103 29 200 SH
DEFINED 200 0 0
PROVIDIAN FINANCIAL CORP COMMON STOCK 74406A102 31091 333411 SH
DEFINED 333411 0
0
PROVIDIAN FINANCIAL CORP COMMON STOCK 74406A102 154 1650 SH OTHER
1650 0
0
PUBLIC SERVICE CO OF N C COMMON STOCK 744516105 73 2500 SH
DEFINED 2500 0 0
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK 744573106 164 4010 SH
DEFINED 3600 0
410
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK 744573106 12 300 SH OTHER
300 0
0
PUGET SOUND ENERGY INC COMMON STOCK 745332106 19 800 SH OTHER
800 0 0
QUAKER OATS CO COMMON STOCK 747402105 266 4000 SH
DEFINED 1700 0 2300
QUAKER OATS CO COMMON STOCK 747402105 146 2195 SH OTHER
600 1420 175
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 1 50 SH
DEFINED 50 0 0
QWEST COMMUNICATIONS INTERNATI COMMON STOCK 749121109 39 1166 SH
DEFINED 1166
0 0
R & B FALCON CORP COMMON STOCK 74912E101 2 200 SH
DEFINED 0 0 200
R.J. REYNOLDS TOBACCO HOLDINGS COMMON STOCK 76182K105 7 229 SH
DEFINED 229 0
0
R.J. REYNOLDS TOBACCO HOLDINGS COMMON STOCK 76182K105 3 80 SH OTHER
80 0
0
RALSTON-RALSTON PURINA GROUP COMMON STOCK 751277302 37 1218 SH
DEFINED 1218 0
0
RAYONIER INC COMMON STOCK 754907103 13 263 SH
DEFINED 263 0 0
RAYONIER INC COMMON STOCK 754907103 4 77 SH OTHER
77 0 0
RAYTHEON CO CLASS A COMMON STOCK 755111309 132 1911 SH
DEFINED 1784 0 127
RAYTHEON CO CLASS A COMMON STOCK 755111309 5 73 SH OTHER
73 0 0
RAYTHEON CO CLASS B COMMON STOCK 755111408 28 400 SH
DEFINED 400 0 0
RAYTHEON CO CLASS B COMMON STOCK 755111408 80 1136 SH OTHER
1136 0 0
RELIANT ENERGY COMMON STOCK 75952J108 17 600 SH
DEFINED 600 0 0
RELIANT ENERGY COMMON STOCK 75952J108 27 974 SH OTHER
974 0 0
RELIASTAR FINANCIAL CORP COMMON STOCK 75952U103 12 280 SH
DEFINED 280 0 0
REXALL SUNDOWN INC COMMON STOCK 761648104 1 100 SH
DEFINED 100 0 0
REYNOLDS METALS CO COMMON STOCK 761763101 30 500 SH
DEFINED 500 0 0
RITE AID CORP COMMON STOCK 767754104 66 2662 SH
DEFINED 800 1592 270
ROANOKE GAS CO COMMON STOCK 769858101 49 2380 SH
DEFINED 2380 0 0
ROBERT MONDAVI CORP COMMON STOCK 609200100 4 100 SH
DEFINED 0 0 100
ROCKWELL INTL CORP NEW COMMON STOCK 773903109 43 700 SH
DEFINED 700 0 0
ROCKWELL INTL CORP NEW COMMON STOCK 773903109 49 800 SH OTHER
800 0 0
ROHM & HAAS CO COMMON STOCK 775371107 14 332 SH
DEFINED 332 0 0
ROWE COMPANIES COMMON STOCK 779528108 1127 108000 SH
DEFINED 108000 0 0
ROWE COMPANIES COMMON STOCK 779528108 3 250 SH OTHER
250 0 0
RPM INC OHIO COMMON STOCK 749685103 20 1391 SH
DEFINED 1391 0 0
SABINE ROYALTY TRUST COMMON STOCK 785688102 4 250 SH
DEFINED 250 0 0
SAFEWAY INC COMMON STOCK 786514208 30 600 SH
DEFINED 600 0 0
SAKS INC COMMON STOCK 79377W108 6 200 SH OTHER
0 200 0
SANDY SPRING BANCORP INC COMMON STOCK 800363103 1915 69018 SH
DEFINED 28662 0
40356
SANDY SPRING BANCORP INC COMMON STOCK 800363103 94 3400 SH OTHER
3400 0 0
SANTA FE ENERGY TRUST UNITS COMMON STOCK 802013102 9 500 SH
DEFINED 500 0
0
SANTA FE SNYDER CORP COMMON STOCK 80218K105 1 106 SH
DEFINED 106 0 0
SARA LEE CORP COMMON STOCK 803111103 1366 60230 SH
DEFINED 56130 0 4100
SARA LEE CORP COMMON STOCK 803111103 344 15165 SH OTHER
14325 400 440
SBC COMMUNICATIONS COMMON STOCK 78387G103 5143 88676 SH
DEFINED 78545 0
10131
SBC COMMUNICATIONS COMMON STOCK 78387G103 1172 20211 SH OTHER
19811 400
0
SCHERING PLOUGH CORP COMMON STOCK 806605101 609 11600 SH
DEFINED 11600 0
0
SCHERING PLOUGH CORP COMMON STOCK 806605101 546 10400 SH OTHER
10400 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 105 1643 SH
DEFINED 1417 226 0
SCHLUMBERGER LTD COMMON STOCK 806857108 191 3000 SH OTHER
3000 0 0
SEAGATE TECHNOLOGY COMMON STOCK 811804103 5 176 SH
DEFINED 176 0 0
SEAGATE TECHNOLOGY COMMON STOCK 811804103 1 50 SH OTHER
50 0 0
SEARS ROEBUCK & CO COMMON STOCK 812387108 213 4787 SH
DEFINED 4787 0 0
SEARS ROEBUCK & CO COMMON STOCK 812387108 66 1490 SH OTHER
990 0 500
SEMPRA ENERGY COMMON STOCK 816851109 18 800 SH
DEFINED 800 0 0
SERVICE CORP INTL COMMON STOCK 817565104 12 600 SH
DEFINED 600 0 0
SHERWIN WILLIAMS CO COMMON STOCK 824348106 67 2400 SH
DEFINED 2400 0 0
SIGMA-ALDRICH CORP COMMON STOCK 826552101 131 3800 SH
DEFINED 3350 250 200
SIGMA-ALDRICH CORP COMMON STOCK 826552101 17 500 SH OTHER
400 0 100
SNAP-ON, INC COMMON STOCK 833034101 5 150 SH OTHER
150 0 0
SODEXHO MARRIOTT SERVICES COMMON STOCK 833793102 82 4251 SH
DEFINED 4181 0
70
SODEXHO MARRIOTT SERVICES COMMON STOCK 833793102 11 557 SH OTHER
557 0
0
SOLUTIA INC COMMON STOCK 834376105 13 600 SH
DEFINED 600 0 0
SONAT INC COMMON STOCK 835415100 13 400 SH
DEFINED 0 400 0
SOURCE CAPITAL INC COMMON STOCK 836144105 46 940 SH
DEFINED 940 0 0
SOUTHERN CO COMMON STOCK 842587107 236 8899 SH
DEFINED 7099 0 1800
SOUTHERN CO COMMON STOCK 842587107 78 2946 SH OTHER
2946 0 0
SOUTHTRUST CORP COMMON STOCK 844730101 6 150 SH
DEFINED 150 0 0
SPRINT CORP (FON GROUP) COMMON STOCK 852061100 276 5200 SH
DEFINED 5200 0 0
SPRINT CORP (FON GROUP) COMMON STOCK 852061100 21 400 SH OTHER
400 0 0
SPRINT CORP (PCS GROUP) COMMON STOCK 852061506 74 1300 SH
DEFINED 1300 0 0
SPRINT CORP (PCS GROUP) COMMON STOCK 852061506 6 100 SH OTHER
100 0 0
ST.PAUL COMPANIES COMMON STOCK 792860108 253 7964 SH
DEFINED 7964 0 0
ST.PAUL COMPANIES COMMON STOCK 792860108 6 178 SH OTHER
178 0 0
STANLEY WORKS COMMON STOCK 854616109 83 2592 SH
DEFINED 2592 0 0
STAPLES INC COMMON STOCK 855030102 69 2225 SH
DEFINED 2225 0 0
STAPLES INC COMMON STOCK 855030102 6 200 SH OTHER
200 0 0
STARWOOD HOTELS & RESORTS WORL COMMON STOCK 85590A203 1 46 SH
DEFINED 46 0
0
STATE STREET CORP COMMON STOCK 857477103 1065 12475 SH
DEFINED 12175 0 300
STATE STREET CORP COMMON STOCK 857477103 66 775 SH OTHER
775 0 0
STEWART & STEVENSON SERVICES COMMON STOCK 860342104 2 100 SH OTHER
0 100
0
STEWART ENTERPRISES INC CL A COMMON STOCK 860370105 13 900 SH
DEFINED 900 0
0
STONE & WEBSTER INC COMMON STOCK 861572105 5 200 SH
DEFINED 200 0 0
STRYKER CORP COMMON STOCK 863667101 792 13170 SH
DEFINED 12620 0 550
STRYKER CORP COMMON STOCK 863667101 99 1650 SH OTHER
1650 0 0
SUN MICROSYSTEMS INC COMMON STOCK 866810104 3595 52200 SH
DEFINED 50600 0
1600
SUN MICROSYSTEMS INC COMMON STOCK 866810104 937 13600 SH OTHER
13200 400
0
SUNBEAM CORPORATION COMMON STOCK 867071102 8 1000 SH
DEFINED 1000 0 0
SUNOCO INC COMMON STOCK 86764P109 3 104 SH OTHER
104 0 0
SUNSHINE MINING & REFINING CO COMMON STOCK 867833105 0 1000 SH
DEFINED 0 0
1000
SUNTRUST BANKS, INC. COMMON STOCK 867914103 3228 46482 SH
DEFINED 24842 0
21640
SUNTRUST BANKS, INC. COMMON STOCK 867914103 1098 15816 SH OTHER
15816 0 0
SYNTROLEUM COMMON STOCK 871630109 2 200 SH
DEFINED 0 0 200
SYSCO CORP COMMON STOCK 871829107 924 30982 SH
DEFINED 30582 0 400
SYSCO CORP COMMON STOCK 871829107 104 3500 SH OTHER
3300 200 0
T ROWE PRICE & ASSOC COMMON STOCK 741477103 432 11250 SH
DEFINED 10750 0 500
T ROWE PRICE & ASSOC COMMON STOCK 741477103 67 1750 SH OTHER
1750 0 0
TANDY CORP COMMON STOCK 875382103 39 800 SH
DEFINED 800 0 0
TECO ENERGY INC COMMON STOCK 872375100 44 1944 SH
DEFINED 1944 0 0
TELEPHONE & DATA SYSTEMS, INC. COMMON STOCK 879433100 17 227 SH
DEFINED 227 0
0
TENET HEALTHCARE CORP COMMON STOCK 88033G100 5 265 SH
DEFINED 265 0 0
TENNECO INC COMMON STOCK 88037E101 2 100 SH
DEFINED 100 0 0
TENNECO INC COMMON STOCK 88037E101 4 150 SH OTHER
150 0 0
TETRA TECH INC NEW COMMON STOCK 88162G103 77 4640 SH
DEFINED 4640 0 0
TEXACO INC COMMON STOCK 881694103 266 4262 SH
DEFINED 4262 0 0
TEXACO INC COMMON STOCK 881694103 167 2676 SH OTHER
2676 0 0
TEXAS UTILITIES CO COMMON STOCK 882848104 114 2753 SH
DEFINED 1725 0 1028
TEXTRON INC COMMON STOCK 883203101 176 2144 SH
DEFINED 2144 0 0
THERMO ELECTRON CORP COMMON STOCK 883556102 14 675 SH OTHER
675 0 0
THOMAS & BETTS CORP COMMON STOCK 884315102 9 200 SH
DEFINED 200 0 0
TIME WARNER INC COMMON STOCK 887315109 202 2786 SH
DEFINED 2696 0 90
TIME WARNER INC COMMON STOCK 887315109 32 440 SH OTHER
440 0 0
TIMKEN CO COMMON STOCK 887389104 4 200 SH OTHER
200 0 0
TJX COS INC NEW COMMON STOCK 872540109 33 1000 SH OTHER
1000 0 0
TRANSAMERICA CORP COMMON STOCK 893485102 79 1058 SH
DEFINED 1058 0 0
TRI CONTL CORP COMMON STOCK 895436103 151 4996 SH
DEFINED 4996 0 0
TRICON GLOBAL RESTAURANTS COMMON STOCK 895953107 385 7122 SH
DEFINED 7072 0
50
TRICON GLOBAL RESTAURANTS COMMON STOCK 895953107 107 1970 SH OTHER
1890 80
0
TRION INC COMMON STOCK 896726106 1 200 SH
DEFINED 200 0 0
TRW INC COMMON STOCK 872649108 792 14425 SH
DEFINED 13775 0 650
TRW INC COMMON STOCK 872649108 91 1650 SH OTHER
1650 0 0
TUPPERWARE CORP COMMON STOCK 899896104 13 500 SH
DEFINED 500 0 0
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 527 5560 SH
DEFINED 5410 0
150
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 28 300 SH OTHER
300 0 0
ULTRAMAR DIAMOND SHAMROCK CORP COMMON STOCK 904000106 1 25 SH
DEFINED 25
0 0
UNION CARBIDE CORP COMMON STOCK 905581104 245 5026 SH
DEFINED 4996 0 30
UNION PACIFIC CORP COMMON STOCK 907818108 115 1980 SH
DEFINED 1980 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 162 2784 SH OTHER
2784 0 0
UNION PACIFIC RESOURCES INC. COMMON STOCK 907834105 61 3745 SH
DEFINED 3745 0
0
UNION PACIFIC RESOURCES INC. COMMON STOCK 907834105 14 846 SH OTHER
846 0 0
UNISOURCE WORLDWIDE INC COMMON STOCK 909208100 20 1650 SH OTHER
1650 0
0
UNISYS CORP COMMON STOCK 909214108 8 209 SH
DEFINED 209 0 0
UNITED TECHNOLOGIES COMMON STOCK 913017109 1122 15590 SH
DEFINED 15190 0
400
UNIVERSAL CORP VA COMMON STOCK 913456109 57 2000 SH
DEFINED 2000 0 0
UNOCAL CORP COMMON STOCK 915289102 29 735 SH
DEFINED 735 0 0
US BANCORP COMMON STOCK 902973106 20 594 SH
DEFINED 594 0 0
US WEST INC COMMON STOCK 91273H101 475 8093 SH
DEFINED 6957 0 1136
US WEST INC COMMON STOCK 91273H101 104 1773 SH OTHER
1773 0 0
USA NETWORKS INC COMMON STOCK 902984103 9 228 SH
DEFINED 0 0 228
UST INC COMMON STOCK 902911106 59 2000 SH
DEFINED 2000 0 0
UST INC COMMON STOCK 902911106 381 13000 SH OTHER
13000 0 0
USX MARATHON GROUP COMMON STOCK 902905827 8 250 SH OTHER
250 0 0
UTILCORP UNITED INC. COMMON STOCK 918005109 11 450 SH
DEFINED 450 0 0
V F CORP COMMON STOCK 918204108 12 275 SH OTHER
0 0 275
VALERO ENERGY CORP COMMON STOCK 91913Y100 0 16 SH
DEFINED 16 0 0
VIACOM CL A COMMON STOCK 925524100 5 104 SH
DEFINED 0 0 104
VIACOM INC CLASS B COMMON STOCK 925524308 13 304 SH
DEFINED 200 0 104
VIAD CORP COMMON STOCK 92552R109 14 442 SH
DEFINED 442 0 0
VIAD CORP COMMON STOCK 92552R109 19 600 SH OTHER
600 0 0
VIRGINIA COMMONWEALTH FINANCIA COMMON STOCK 92778N106 13 460 SH
DEFINED 460
0 0
VLASIC FOODS INTERNATIONAL COMMON STOCK 928559103 0 40 SH
DEFINED 40 0 0
WACHOVIA CORP COMMON STOCK 929771103 5928 69279 SH
DEFINED 65467 300 3512
WACHOVIA CORP COMMON STOCK 929771103 663 7744 SH OTHER
7244 350 150
WAL MART STORES INC COMMON STOCK 931142103 1593 33010 SH
DEFINED 29950 0
3060
WAL MART STORES INC COMMON STOCK 931142103 731 15150 SH OTHER
13250 0 1900
WALT DISNEY COMPANY COMMON STOCK 254687106 218 7090 SH
DEFINED 4990 0
2100
WALT DISNEY COMPANY COMMON STOCK 254687106 61 1980 SH OTHER
1680 300 0
WARNER LAMBERT CO COMMON STOCK 934488107 434 6280 SH
DEFINED 5680 0 600
WARNER LAMBERT CO COMMON STOCK 934488107 69 1000 SH OTHER
1000 0 0
WASHINGTON GAS LIGHT CO COMMON STOCK 938837101 741 28510 SH
DEFINED 26310 0
2200
WASHINGTON GAS LIGHT CO COMMON STOCK 938837101 179 6900 SH OTHER
4300 2600
0
WASHINGTON POST CO CL B COMMON STOCK 939640108 177 330 SH
DEFINED 330 0 0
WASHINGTON SAVINGS BK FSB WALD COMMON STOCK 939696100 1 160 SH OTHER
160 0
0
WELLS FARGO COMPANY COMMON STOCK 949746101 350 8190 SH
DEFINED 7690 0
500
WELLS FARGO COMPANY COMMON STOCK 949746101 68 1600 SH OTHER
1600 0 0
WENDYS INTL INC COMMON STOCK 950590109 14 500 SH
DEFINED 0 0 500
WESTERN RESOURCES INC. COMMON STOCK 959425109 5 200 SH
DEFINED 200 0 0
WESTVACO CORP COMMON STOCK 961548104 367 12655 SH
DEFINED 12655 0 0
WEYERHAEUSER CO COMMON STOCK 962166104 99 1442 SH
DEFINED 1442 0 0
WHITMAN CORP COMMON STOCK 96647R107 237 13143 SH
DEFINED 13143 0 0
WILLIAMS SONOMA INC COMMON STOCK 969904101 42 1200 SH
DEFINED 1200 0 0
WILMINGTON TRUST CORP COMMON STOCK 971807102 372 6480 SH OTHER
6480 0 0
WINN DIXIE STORES INC COMMON STOCK 974280109 123 3318 SH
DEFINED 3318 0 0
WINNEBAGO INDUSTRIES INC COMMON STOCK 974637100 11 500 SH OTHER
500 0 0
WISCONSIN ENERGY CORP COMMON STOCK 976657106 38 1524 SH
DEFINED 750 0 774
WISCONSIN ENERGY CORP COMMON STOCK 976657106 20 797 SH OTHER
797 0 0
WMS INDUSTRIES COMMON STOCK 929297109 9 500 SH
DEFINED 500 0 0
XEROX CORP COMMON STOCK 984121103 31 528 SH
DEFINED 458 0 70
3 COM CORP COMMON STOCK 885535104 2 79 SH
DEFINED 79 0 0
AEGON N.V. ADR COMMON STOCK 007924103 14688 198660 SH
DEFINED 198660 0 0
AEGON N.V. ADR COMMON STOCK 007924103 71 958 SH OTHER
958 0 0
BARRICK GOLD CORP COMMON STOCK 067901108 3 146 SH
DEFINED 146 0 0
BP AMOCO PLC COMMON STOCK 055622104 2502 23064 SH
DEFINED 22168 0 896
BP AMOCO PLC COMMON STOCK 055622104 391 3602 SH OTHER
2610 595 397
CABLE & WIRELESS PLC ADR COMMON STOCK 126830207 24 600 SH
DEFINED 600 0 0
DIAGEO PLC SPONSORED ADR (NEW) COMMON STOCK 25243Q205 19 432 SH
DEFINED 432 0
0
ECHO BAY MINES LTD COMMON STOCK 278751102 8 5332 SH OTHER
5332 0 0
ENDESA S.A. ADR COMMON STOCK 29258N107 34 1600 SH OTHER
1600 0 0
ERICSSON L M TEL CO ADR CL B COMMON STOCK 294821400 62 1880 SH
DEFINED 1480 0
400
GALLAHER GROUP PLC ADR COMMON STOCK 363595109 115 4688 SH
DEFINED 4688 0
0
GALLAHER GROUP PLC ADR COMMON STOCK 363595109 29 1200 SH OTHER
1200 0 0
GLAXO WELCOME PLC ADR COMMON STOCK 37733W105 11 200 SH
DEFINED 200 0
0
GLAXO WELCOME PLC ADR COMMON STOCK 37733W105 96 1700 SH OTHER
1700 0
0
GOLD FIELDS LTD-SP ADR COMMON STOCK 38059T106 1 345 SH
DEFINED 345 0 0
HANSON PLC-SPONSORED ADR COMMON STOCK 411352404 1 12 SH OTHER
12 0 0
HONG KONG TELECOMMUNICATIONS A COMMON STOCK 438579203 12 450 SH
DEFINED 450
0 0
IMPERIAL TOBACCO GROUP ADR COMMON STOCK 453142101 1 25 SH OTHER
25 0 0
LERNOUT & HAUSPIE SPEECH RPO COMMON STOCK B5628B104 5 150 SH OTHER
150 0
0
NISSAN MTR LTD-SPON ADR COMMON STOCK 654744408 5 500 SH
DEFINED 500 0 0
NORTEL NETWORKS CORP COMMON STOCK 656569100 113 1300 SH
DEFINED 1300 0
0
POTASH CORP COMMON STOCK 73755L107 5 100 SH
DEFINED 100 0 0
POTASH CORP COMMON STOCK 73755L107 38 725 SH OTHER
725 0 0
REUTERS GROUP PLC SPONSORED AD COMMON STOCK 76132M102 8 104 SH OTHER
104 0
0
ROYAL DUTCH PETE CO COMMON STOCK 780257804 398 6600 SH
DEFINED 6600 0 0
ROYAL DUTCH PETE CO COMMON STOCK 780257804 17 280 SH OTHER
280 0 0
SEAGRAM LTD COMMON STOCK 811850106 10 200 SH
DEFINED 200 0 0
SHELL TRANS & TRADING PLC ADR COMMON STOCK 822703609 28 600 SH
DEFINED 600 0
0
SMITHKLINE BEECHAM PLC ADR COMMON STOCK 832378301 26 400 SH
DEFINED 400 0
0
TELEFONICA S A ADR COMMON STOCK 879382208 46 312 SH OTHER
312 0 0
TELEFONOS DE MEXICO-CL L ADR COMMON STOCK 879403780 16 200 SH OTHER
200 0
0
UNILEVER N V NY SHS COMMON STOCK 904784709 367 5262 SH
DEFINED 5262 0 0
UNILEVER N V NY SHS COMMON STOCK 904784709 25 357 SH OTHER
357 0 0
UNILEVER PLC-SP ADR COMMON STOCK 904767704 28 750 SH
DEFINED 750 0 0
NATIONAL AUSTRALIA BANK 7.875% PREFERRED STOCK 632525309 12 400 SH
DEFINED N.A. N.A.
N.A.
UNISYS CORP PFD A CV $3.75 PREFERRED STOCK 909214207 9 142 SH
DEFINED N.A. N.A. N.A.
WMX TECHNOLOGIES INC 1/24/05 OTHER 92929QAF4 3 3000 PRN
DEFINED N.A. N.A. N.A.
CHECKERS DRIVE-IN WTS EXP 12/2 OTHER 162809115 0 189 SH
DEFINED 189 0 0
AMERICAN INDUSTRIAL PROPERTIES OTHER 026791202 2 166 SH
DEFINED 166 0 0
BODDIE-NOELL PROPERTIES, INC. OTHER 096903109 3 250 SH
DEFINED 250 0 0
CAPSTEAD MORTGAGE CORP OTHER 14067E100 4 800 SH
DEFINED 800 0 0
CARRAMERICA REALTY CORP OTHER 144418100 13 500 SH
DEFINED 500 0 0
CHARLES E SMITH RESIDENTIAL RL OTHER 832197107 34 1000 SH
DEFINED 1000 0 0
FEDERAL REALTY INVT TR SH BEN OTHER 313747206 7 300 SH
DEFINED 300 0 0
FEDERAL REALTY INVT TR SH BEN OTHER 313747206 13 564 SH OTHER
564 0 0
HEALTH CARE REIT INC OTHER 42217K106 47 2011 SH
DEFINED 2011 0 0
HOST MARRIOTT CORP (NEW) OTHER 44107P104 203 17125 SH
DEFINED 16845 0 280
HOST MARRIOTT CORP (NEW) OTHER 44107P104 32 2690 SH OTHER
2690 0 0
HRPT PROPERTIES TRUST OTHER 40426W101 15 1000 SH
DEFINED 1000 0 0
HRPT PROPERTIES TRUST OTHER 40426W101 6 400 SH OTHER
400 0 0
JDN REALTY CORP OTHER 465917102 8 375 SH
DEFINED 375 0 0
MEDITRUST CORP OTHER 58501T306 17 1329 SH
DEFINED 1329 0 0
MID-ATLANTIC REALTY TRUST OTHER 595232109 11 1000 SH OTHER
1000 0 0
PENNSYLVANIA REAL ESTATE INV T OTHER 709102107 28 1350 SH OTHER
0 1350 0
REALTY INCOME CORP OTHER 756109104 14 597 SH OTHER
597 0 0
SAUL CENTERS OTHER 804395101 58 3500 SH
DEFINED 3500 0 0
UNITED DOMINION REALTY OTHER 910197102 68 5800 SH
DEFINED 3800 0 2000
WASHINGTON REAL ESTATE INV TRU OTHER 939653101 126 7425 SH
DEFINED 7425 0 0
WASHINGTON REAL ESTATE INV TRU OTHER 939653101 161 9500 SH OTHER
1500 8000
0
ACM GOVT INCOME FD INC OTHER 000912105 21 2500 SH
DEFINED N.A. N.A. N.A.
ACM GOVT INCOME FD INC OTHER 000912105 8 1000 SH OTHER
N.A. N.A. N.A.
ADAMS EXPRESS CO OTHER 006212104 55 1883 SH
DEFINED N.A. N.A. N.A.
BANCROFT CONVERTIBLE FUND OTHER 059695106 14 604 SH
DEFINED N.A. N.A. N.A.
BLACKROCK INCOME TRUST OTHER 09247F100 3 500 SH
DEFINED N.A. N.A. N.A.
BLACKROCK INVT QUALITY TERM TR OTHER 09247J102 25 3000 SH
DEFINED N.A. N.A.
N.A.
DELAWARE GROUP GLOBAL DIV & IN OTHER 245916101 11 800 SH
DEFINED N.A. N.A. N.A.
DUFF & PHELPS UTILITIES INCOME OTHER 264324104 61 5730 SH
DEFINED N.A. N.A. N.A.
DUFF & PHELPS UTILITIES INCOME OTHER 264324104 5 505 SH OTHER
N.A. N.A. N.A.
FIRST COMMONWEALTH FUND OTHER 31983F102 3 295 SH
DEFINED N.A. N.A. N.A.
FRANKLIN UNIVERSAL TRUST OTHER 355145103 30 3200 SH
DEFINED N.A. N.A. N.A.
HERITAGE U S GOVT INCOME FD OTHER 42725E105 9 850 SH
DEFINED N.A. N.A. N.A.
HYPERION 2002 TERM TR INC OTHER 448915108 17 2000 SH
DEFINED N.A. N.A. N.A.
INSURED MUNI INCOME FUND OTHER 45809F104 12 942 SH
DEFINED N.A. N.A. N.A.
INVESCO GLOBAL HEALTH SCIENCES OTHER 46128N109 16 1000 SH
DEFINED N.A. N.A.
N.A.
JOHN HANCOCK PATRIOT PREM DIV OTHER 41013T105 23 2100 SH
DEFINED N.A. N.A. N.A.
MFS GOVT MKTS INC TR SH BEN IN OTHER 552939100 5 726 SH
DEFINED N.A. N.A. N.A.
MFS MULTIMARKET INCOME TRUST OTHER 552737108 9 1400 SH
DEFINED N.A. N.A. N.A.
NUVEEN PREMIER MUNI INC FD OTHER 670988104 6 383 SH
DEFINED N.A. N.A. N.A.
PUTNAM MASTER INTERMEDIATE INC OTHER 746909100 22 3000 SH
DEFINED N.A. N.A.
N.A.
PUTNAM PREMIER INCOME TR OTHER 746853100 8 1077 SH
DEFINED N.A. N.A. N.A.
SALOMON BROTHERS FUND OTHER 795477108 116 5858 SH
DEFINED N.A. N.A. N.A.
SALOMON BROTHERS FUND OTHER 795477108 4 178 SH OTHER
N.A. N.A. N.A.
TEMPLETON EMERGING MKT INC OTHER 880192109 3 300 SH
DEFINED N.A. N.A. N.A.
ZWEIG TOTAL RETURN FD INC OTHER 989837109 21 2466 SH
DEFINED N.A. N.A. N.A.
1838 BD-DEB TRADING FD OTHER 282520105 39 1981 SH OTHER
N.A. N.A. N.A.
BLACKROCK MUNI TARGET TERM TRU OTHER 09247M105 31 2972 SH OTHER
N.A. N.A.
N.A.
COLONIAL HIGH INCOME MUN. TRUS OTHER 195743109 22 2820 SH
DEFINED N.A. N.A. N.A.
DREYFUS STRATEGIC MUNS INC OTHER 261932107 55 5945 SH
DEFINED N.A. N.A. N.A.
MORGAN STANLEY DW INS MUNI BD OTHER 61745P817 7 500 SH
DEFINED N.A. N.A. N.A.
MORGAN STANLEY DW INS MUNI SEC OTHER 61745P833 9 667 SH
DEFINED N.A. N.A. N.A.
MORGAN STANLEY DW QUALITY MUN OTHER 61745P668 7 508 SH
DEFINED N.A. N.A.
N.A.
NUVEEN INSD MUNI OPPORTUNITY F OTHER 670984103 5 300 SH
DEFINED N.A. N.A. N.A.
NUVEEN INSURED QUALITY MUNICIP OTHER 67062N103 51 3366 SH
DEFINED N.A. N.A.
N.A.
NUVEEN MD PREM INCOME MUN FD OTHER 67061Q107 20 1353 SH
DEFINED N.A. N.A.
N.A.
NUVEEN MUNICIPAL ADVANTAGE FUN OTHER 67062H106 32 2082 SH
DEFINED N.A. N.A.
N.A.
NUVEEN MUNICIPAL VALUE FUND IN OTHER 670928100 31 3400 SH
DEFINED N.A. N.A. N.A.
NUVEEN MUNICIPAL VALUE FUND IN OTHER 670928100 5 500 SH OTHER
N.A. N.A. N.A.
NUVEEN PERFORMANCE PLUS MUNI F OTHER 67062P108 5 350 SH
DEFINED N.A. N.A. N.A.
NUVEEN PREMIER INSD MUNI INCOM OTHER 670987106 9 601 SH
DEFINED N.A. N.A. N.A.
NUVEEN PREMIUM INCOME MUNICIPA OTHER 6706K4105 43 3086 SH
DEFINED N.A. N.A.
N.A.
NUVEEN PREMIUM INCOME MUNICIPA OTHER 67062T100 57 4000 SH
DEFINED N.A. N.A.
N.A.
NUVEEN SELECT QUALITY MUN FD I OTHER 670973106 19 1300 SH
DEFINED N.A. N.A. N.A.
NUVEEN SELECT TAX-FREE INCOME OTHER 67063C106 24 1575 SH
DEFINED N.A. N.A. N.A.
NUVEEN VA PREM INCOME MUN FD OTHER 67064R102 110 7035 SH
DEFINED N.A. N.A.
N.A.
NUVEEN VA PREM INCOME MUN FD OTHER 67064R102 77 4900 SH OTHER
N.A. N.A. N.A.
PUTNAM MANAGED MUNI INCOME TRU OTHER 746823103 28 2500 SH
DEFINED N.A. N.A.
N.A.
PUTNAM MUNI OPPORTUNITIES TRUS OTHER 746922103 10 666 SH
DEFINED N.A. N.A. N.A.
VKM AMER CAPITAL INV GRADE MUN OTHER 920929106 16 1000 SH
DEFINED N.A. N.A.
N.A.
EIF UIT 1ST EXCH SER AT&T SHRS OTHER 294700703 87 420 SH
DEFINED N.A. N.A. N.A.
AMERICAN CMNTY PPTYS TRUST L.P OTHER 02520N106 19 3650 SH
DEFINED N.A. N.A. N.A.
CEDAR FAIR L.P. DEPOSITARY UNI OTHER 150185106 20 800 SH
DEFINED N.A. N.A. N.A.
EQUUS GAMING CO LP-CL A OTHER 294929104 4 2500 SH
DEFINED N.A. N.A. N.A.
INTERSTATE GENERAL L.P. OTHER 460885205 6 1000 SH
DEFINED N.A. N.A. N.A.
KINDER MORGAN ENERGY PARTNERS OTHER 494550106 7 200 SH
DEFINED N.A. N.A.
N.A.
NATIONAL REALTY L.P. OTHER 637353301 34 1524 SH
DEFINED N.A. N.A. N.A.
PLUM CREEK TIMBER CO L P OTHER 729237107 936 30000 SH
DEFINED N.A. N.A. N.A.
</TABLE>
