FIRST VIRGINIA BANK
13F-HR, 1999-05-28
Previous: NAVIGANT INTERNATIONAL INC, S-8, 1999-05-28
Next: MERRILL LYNCH CORPORATE HIGH YIELD FUND INC, 485APOS, 1999-05-28


                            UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C.  20549

                                    FORM 13F

                               FORM 13F COVER PAGE

REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 3/31/99

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         3/31/99


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:    876

FORM 13F INFORMATION TABLE VALUE TOTAL:         $437,118,743
<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        8      430 SH       OTHER                   430        0        0
ABBOTT LABS                    COMMON STOCK     002824100     2247    48006 SH       DEFINED               44806     1000     2200
ABBOTT LABS                    COMMON STOCK     002824100     1160    24790 SH       OTHER                 24090        0      700
ABERCROMBIE & FITCH CL A       COMMON STOCK     002896207        0        4 SH       DEFINED                   4        0        0
ADC TELECOMMUNICATIONS INC     COMMON STOCK     000886101       28      580 SH       OTHER                   580        0
0
AEROQUIP-VICKERS INC           COMMON STOCK     007869100       22      384 SH       DEFINED                 384        0        0
AETNA INC.                     COMMON STOCK     008117103       25      300 SH       DEFINED                 300        0        0
AETNA INC.                     COMMON STOCK     008117103       78      937 SH       OTHER                   937        0        0
AFLAC INC                      COMMON STOCK     001055102      359     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
AGRIBRANDS INTERNATIONAL       COMMON STOCK     00849R105        1       30 SH       OTHER                     0       30        0
AIRTOUCH COMMUNICATIONS        COMMON STOCK     00949T100      666     6895 SH       DEFINED                5215        0
1680
AIRTOUCH COMMUNICATIONS        COMMON STOCK     00949T100      211     2183 SH       OTHER                  2183        0
0
ALBEMARLE CORP                 COMMON STOCK     012653101        2      102 SH       OTHER                   102        0        0
ALBERTSONS INC                 COMMON STOCK     013104104       11      200 SH       DEFINED                 200        0        0
ALCOA INC                      COMMON STOCK     013817101      214     5205 SH       DEFINED                4655        0      550
ALCOA INC                      COMMON STOCK     013817101       25      600 SH       OTHER                   600        0        0
ALLEGHENY ENERGY, INC          COMMON STOCK     017361106       22      760 SH       DEFINED                 760        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       12      640 SH       OTHER                   640        0        0
ALLIED SIGNAL INC              COMMON STOCK     019512102      174     3542 SH       DEFINED                3512        0       30
ALLMERICA FINANCIAL CORP       COMMON STOCK     019754100       14      248 SH       DEFINED                   0        0      248
ALLMERICA FINANCIAL CORP       COMMON STOCK     019754100       25      445 SH       OTHER                   445        0        0
ALLMERICA SECURITIES TRUST     COMMON STOCK     019921105        8      700 SH       DEFINED                 700        0        0
ALLSTATE CORP                  COMMON STOCK     020002101      413    11142 SH       DEFINED                7806        0     3336
ALLSTATE CORP                  COMMON STOCK     020002101      102     2758 SH       OTHER                  2018      740        0
ALLTEL CORP                    COMMON STOCK     020039103       46      738 SH       DEFINED                 738        0        0
ALLTEL CORP                    COMMON STOCK     020039103       13      214 SH       OTHER                   214        0        0
ALZA CORP                      COMMON STOCK     022615108       23      600 SH       DEFINED                 600        0        0
AMERADA HESS CORP              COMMON STOCK     023551104       33      648 SH       DEFINED                 648        0        0
AMEREN CORP                    COMMON STOCK     023608102        7      200 SH       DEFINED                 200        0        0
AMEREN CORP                    COMMON STOCK     023608102        7      206 SH       OTHER                   206        0        0
AMERICA ONLINE INC             COMMON STOCK     02364J104        7       50 SH       OTHER                    50        0        0
AMERICAN CAPITAL STRATEGIES LT COMMON STOCK     024937104        9      500 SH       OTHER                   500        0
0
AMERICAN CMNTY PPTYS TRUST     COMMON STOCK     02520N106       17     3650 SH       DEFINED                3650        0
   0
AMERICAN ELECTRIC POWER        COMMON STOCK     025537101      234     5907 SH       DEFINED                5907        0
0
AMERICAN ELECTRIC POWER        COMMON STOCK     025537101       90     2258 SH       OTHER                  2108        0
150
AMERICAN EXPRESS CO            COMMON STOCK     025816109      437     3709 SH       DEFINED                3664        0       45
AMERICAN GENERAL CORP          COMMON STOCK     026351106      446     6324 SH       DEFINED                6304        0
20
AMERICAN HOME PRODS CP         COMMON STOCK     026609107     4877    74740 SH       DEFINED               70315      800
3625
AMERICAN HOME PRODS CP         COMMON STOCK     026609107     1026    15724 SH       OTHER                 13604     1920
200
AMERICAN INTERNATIONAL GROUP   COMMON STOCK     026874107     3756    31140 SH       DEFINED               29277
0     1863
AMERICAN INTERNATIONAL GROUP   COMMON STOCK     026874107     1694    14046 SH       OTHER                 14046
0        0
AMERICAN SCIENCE & ENGINEERING COMMON STOCK     029429107      317    44500 SH       DEFINED               44500
0        0
AMERICAN WATER WORKS           COMMON STOCK     030411102        6      200 SH       OTHER                   200        0        0
AMERITECH CORP                 COMMON STOCK     030954101     2038    35364 SH       DEFINED               29613        0     5751
AMERITECH CORP                 COMMON STOCK     030954101      907    15744 SH       OTHER                 14894        0      850
AMGEN INC                      COMMON STOCK     031162100       75     1000 SH       DEFINED                1000        0        0
AMSOUTH BANCORPORATION         COMMON STOCK     032165102       14      300 SH       OTHER                   300        0        0
ANHEUSER BUSCH COS INC         COMMON STOCK     035229103     1275    16755 SH       DEFINED               16105        0
650
ANHEUSER BUSCH COS INC         COMMON STOCK     035229103      167     2200 SH       OTHER                  2200        0        0
AON CORP                       COMMON STOCK     037389103      127     2000 SH       DEFINED                2000        0        0
APPLE COMPUTER INC             COMMON STOCK     037833100        7      200 SH       OTHER                   200        0        0
APPLIED MATERIALS              COMMON STOCK     038222105     1642    26625 SH       DEFINED               25250        0     1375
APPLIED MATERIALS              COMMON STOCK     038222105      161     2609 SH       OTHER                  2409      200        0
ARCHER DANIELS MIDLAND         COMMON STOCK     039483102        8      574 SH       DEFINED                 574        0        0
ARMCO INC                      COMMON STOCK     042170100        0      100 SH       DEFINED                 100        0        0
ASSOCIATES FIRST CAPITAL CL A  COMMON STOCK     046008108       67     1478 SH       DEFINED                1206        0
272
ASSOCIATES FIRST CAPITAL CL A  COMMON STOCK     046008108      466    10354 SH       OTHER                 10198      156
   0
AT&T CORP.                     COMMON STOCK     001957109     3802    47633 SH       DEFINED               44210      200     3223
AT&T CORP.                     COMMON STOCK     001957109     1528    19148 SH       OTHER                 17598      500     1050
ATLANTIC FINANCIAL             COMMON STOCK     04853R100       17     1033 SH       DEFINED                1033        0        0
ATLANTIC RICHFIELD CO          COMMON STOCK     048825103      650     8888 SH       DEFINED                8488      400        0
ATLANTIC RICHFIELD CO          COMMON STOCK     048825103      102     1400 SH       OTHER                  1300        0      100
ATMOS ENERGY CORP              COMMON STOCK     049560105       14      600 SH       DEFINED                 600        0        0
AUTOLIV INC                    COMMON STOCK     052800109       11      306 SH       DEFINED                 306        0        0
AUTOMATIC DATA PROCESSING      COMMON STOCK     053015103     3992    96491 SH       DEFINED               89041
800     6650
AUTOMATIC DATA PROCESSING      COMMON STOCK     053015103     1024    24750 SH       OTHER                 23050     1700
      0
AVERY DENNISON CORP            COMMON STOCK     053611109       14      250 SH       OTHER                   250        0        0
B.I. INC                       COMMON STOCK     055467203        5      500 SH       DEFINED                 500        0        0
BALTIMORE GAS & ELECTRIC CO.   COMMON STOCK     059165100      825    32497 SH       DEFINED               31697        0
 800
BALTIMORE GAS & ELECTRIC CO.   COMMON STOCK     059165100      306    12047 SH       OTHER                  9747      300
2000
BANK NEW YORK INC              COMMON STOCK     064057102      129     3600 SH       DEFINED                3600        0        0
BANK ONE CORP                  COMMON STOCK     06423A103      782    14206 SH       DEFINED               13012        0     1194
BANK ONE CORP                  COMMON STOCK     06423A103      193     3506 SH       OTHER                  3506        0        0
BANKAMERICA CORP               COMMON STOCK     06605F102     2166    30676 SH       DEFINED               17841        0
12835
BANKAMERICA CORP               COMMON STOCK     06605F102       90     1269 SH       OTHER                  1269        0        0
BANKERS TRUST CORP             COMMON STOCK     066365107       83      945 SH       OTHER                   945        0        0
BATTLE MOUNTAIN GOLD CO.       COMMON STOCK     071593107        0      100 SH       DEFINED                 100        0        0
BAXTER INTERNATIONAL INC.      COMMON STOCK     071813109      269     4075 SH       DEFINED                3675      400
 0
BAXTER INTERNATIONAL INC.      COMMON STOCK     071813109      173     2620 SH       OTHER                  2620        0
0
BB&T CORPORATION               COMMON STOCK     054937107      505    13952 SH       DEFINED               13952        0        0
BEAR STEARNS COS INC           COMMON STOCK     073902108       72     1612 SH       DEFINED                 945        0      667
BEC ENERGY                     COMMON STOCK     05538M101       16      428 SH       OTHER                   428        0        0
BECTON DICKINSON & CO          COMMON STOCK     075887109       15      400 SH       OTHER                   400        0        0
BELL ATLANTIC CORP             COMMON STOCK     077853109     6433   124452 SH       DEFINED              117285        0
7167
BELL ATLANTIC CORP             COMMON STOCK     077853109     1397    27028 SH       OTHER                 24654     1866      508
BELLSOUTH CORP                 COMMON STOCK     079860102     5458   136233 SH       DEFINED              120538     2000
13695
BELLSOUTH CORP                 COMMON STOCK     079860102     1374    34304 SH       OTHER                 34304        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       24       10 SH       DEFINED                  10        0
0
BERKSHIRE HATHAWAY INC-CL B    COMMON STOCK     084670207       49       21 SH       OTHER                    21        0        0
BEST BUY INC                   COMMON STOCK     086516101       21      400 SH       DEFINED                 400        0        0
BESTFOODS                      COMMON STOCK     08658U101       85     1800 SH       DEFINED                1800        0        0
BESTFOODS                      COMMON STOCK     08658U101      234     4988 SH       OTHER                  4288        0      700
BJ'S WHOLESALE CLUB            COMMON STOCK     05548J106       25      950 SH       OTHER                   950        0        0
BLACK & DECKER CORP            COMMON STOCK     091797100       15      270 SH       DEFINED                 270        0        0
BLOCK DRUG CLASS A             COMMON STOCK     093644102       11      277 SH       OTHER                   277        0        0
BOEING CO                      COMMON STOCK     097023105      249     7324 SH       DEFINED                7300        0       24
BOEING CO                      COMMON STOCK     097023105       40     1166 SH       OTHER                  1166        0        0
BOISE CASCADE CORP.            COMMON STOCK     097383103       16      500 SH       DEFINED                 500        0        0
BRISTOL-MYERS SQUIBB CO.       COMMON STOCK     110122108     4930    76886 SH       DEFINED               72386     2200
2300
BRISTOL-MYERS SQUIBB CO.       COMMON STOCK     110122108     1114    17380 SH       OTHER                 16680        0
700
BROOKTROUT TECHNOLOGY INC      COMMON STOCK     114580103       24     2250 SH       DEFINED                2250        0
   0
BRUNSWICK CORP                 COMMON STOCK     117043109       57     2970 SH       DEFINED                2970        0        0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK     12189T104      384    11684 SH       DEFINED               10934
0      750
BURLINGTON NORTHERN SANTA FE C COMMON STOCK     12189T104       75     2271 SH       OTHER                  2271        0
     0
BURLINGTON RES INC             COMMON STOCK     122014103       14      348 SH       DEFINED                 348        0        0
C & F FINANCIAL CORP           COMMON STOCK     12466Q104      145     8000 SH       DEFINED                   0        0     8000
CAMPBELL SOUP CO               COMMON STOCK     134429109       41     1000 SH       DEFINED                1000        0        0
CAMPBELL SOUP CO               COMMON STOCK     134429109       41     1000 SH       OTHER                  1000        0        0
CAPITAL ONE FINANCIAL CORP     COMMON STOCK     14040H105     2216    14677 SH       DEFINED                7600        0
7077
CAPITAL ONE FINANCIAL CORP     COMMON STOCK     14040H105       63      420 SH       OTHER                   420        0        0
CAPITAL TRUST-CL A             COMMON STOCK     14052H100        1      300 SH       OTHER                   300        0        0
CARDINAL HEALTH INC            COMMON STOCK     14149Y108      101     1523 SH       DEFINED                1523        0        0
CAREY DIVERSIFIED LLC          COMMON STOCK     14174P105       29     1649 SH       OTHER                  1649        0        0
CARNIVAL CORP                  COMMON STOCK     143658102      198     4075 SH       DEFINED                3525        0      550
CAROLINA POWER & LIGHT CO      COMMON STOCK     144141108      136     3600 SH       DEFINED                3600        0
0
CAROLINA POWER & LIGHT CO      COMMON STOCK     144141108       76     2000 SH       OTHER                  2000        0
0
CATERPILLAR, INC               COMMON STOCK     149123101       93     2026 SH       DEFINED                2026        0        0
CATERPILLAR, INC               COMMON STOCK     149123101      124     2700 SH       OTHER                  2700        0        0
CBS CORPORATION                COMMON STOCK     12490K107       37      900 SH       DEFINED                 900        0        0
CBS CORPORATION                COMMON STOCK     12490K107      102     2500 SH       OTHER                  2500        0        0
CENDANT CORPORATION            COMMON STOCK     151313103       25     1585 SH       DEFINED                 792        0      793
CENTRAL & SOUTH WEST CORP      COMMON STOCK     152357109      148     6300 SH       DEFINED                6300        0
 0
CENTRAL & SOUTH WEST CORP      COMMON STOCK     152357109      164     7010 SH       OTHER                  7010        0
0
CFW COMMUNICATIONS CO          COMMON STOCK     124923103      700    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        4      100 SH       DEFINED                 100        0        0
CHARLES SCHWAB CORP            COMMON STOCK     808513105      512     5325 SH       DEFINED                5225        0      100
CHARLES SCHWAB CORP            COMMON STOCK     808513105       19      200 SH       OTHER                   200        0        0
CHASE MANHATTAN CORP (NEW)     COMMON STOCK     16161A108      114     1396 SH       DEFINED                1356        0
   40
CHASE MANHATTAN CORP (NEW)     COMMON STOCK     16161A108       16      200 SH       OTHER                   200        0
0
CHESAPEAKE CORP                COMMON STOCK     165159104       60     2200 SH       DEFINED                1200        0     1000
CHESAPEAKE CORP                COMMON STOCK     165159104       26      942 SH       OTHER                   942        0        0
CHEVRON CORPORATION            COMMON STOCK     166751107     1713    19300 SH       DEFINED               17925        0
1375
CHEVRON CORPORATION            COMMON STOCK     166751107      723     8146 SH       OTHER                  8146        0        0
CHOICEPOINT INC                COMMON STOCK     170388102        2       50 SH       DEFINED                  50        0        0
CHOICEPOINT INC                COMMON STOCK     170388102        4       90 SH       OTHER                    90        0        0
CHUBB CORP                     COMMON STOCK     171232101       94     1600 SH       DEFINED                1600        0        0
CHUBB CORP                     COMMON STOCK     171232101       28      470 SH       OTHER                   470        0        0
CINCINNATI BELL INC            COMMON STOCK     171870108      268    11925 SH       DEFINED               10975        0      950
CINCINNATI BELL INC            COMMON STOCK     171870108       78     3466 SH       OTHER                  3466        0        0
CINERGY CORP                   COMMON STOCK     172474108       61     2200 SH       DEFINED                1700        0      500
CINERGY CORP                   COMMON STOCK     172474108       11      400 SH       OTHER                   400        0        0
CIRCUIT CITY GROUP             COMMON STOCK     172737108      498     6500 SH       DEFINED                1400        0     5100
CIRCUIT CITY GROUP             COMMON STOCK     172737108       46      600 SH       OTHER                   600        0        0
CISCO SYSTEMS INC              COMMON STOCK     17275R102     3450    31486 SH       DEFINED               29712        0     1774
CISCO SYSTEMS INC              COMMON STOCK     17275R102      774     7066 SH       OTHER                  6516      550        0
CITIGROUP, INC.                COMMON STOCK     172967101      178     2779 SH       DEFINED                2779        0        0
CITIGROUP, INC.                COMMON STOCK     172967101      356     5573 SH       OTHER                  5573        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       12      100 SH       DEFINED                 100        0        0
CNF TRANSPORTATION INC         COMMON STOCK     12612W104       24      640 SH       DEFINED                 525        0
115
COASTAL CORP                   COMMON STOCK     190441105        4      110 SH       DEFINED                 110        0        0
COCA COLA CO                   COMMON STOCK     191216100     3504    57084 SH       DEFINED               52664     1600     2820
COCA COLA CO                   COMMON STOCK     191216100     1483    24167 SH       OTHER                 23365      400      402
COCA-COLA FEMSA S.A. ADR       COMMON STOCK     191241108       10      600 SH       DEFINED                   0        0      600
COLGATE PALMOLIVE CO           COMMON STOCK     194162103      267     2900 SH       DEFINED                2900        0        0
COLGATE PALMOLIVE CO           COMMON STOCK     194162103       64      700 SH       OTHER                   700        0        0
COLUMBIA ENERGY GROUP          COMMON STOCK     197648108       18      352 SH       OTHER                   352        0        0
COLUMBIA HCA HEALTHCARE CORP   COMMON STOCK     197677107        9      450 SH       OTHER                   450        0
 0
COLUMBUS MCKINNON CORP         COMMON STOCK     199333105       67     3350 SH       DEFINED                3350        0
0
COMCAST CORP SPECIAL-CLASS A   COMMON STOCK     200300200        6      100 SH       DEFINED                   0        0
100
COMERICA INC                   COMMON STOCK     200340107       59      950 SH       DEFINED                 950        0        0
COMMONWEALTH ENERGY SYSTEM     COMMON STOCK     202800108       38     1000 SH       DEFINED                1000
0        0
COMPAQ COMPUTER CORP           COMMON STOCK     204493100      146     4610 SH       DEFINED                4610        0
0
COMPAQ COMPUTER CORP           COMMON STOCK     204493100       54     1700 SH       OTHER                  1000      700        0
COMVERSE TECHNOLOGY INC        COMMON STOCK     205862402       55      650 SH       DEFINED                 650        0
0
CONAGRA INC                    COMMON STOCK     205887102       38     1480 SH       OTHER                  1480        0        0
CONECTIV INC CL A              COMMON STOCK     206829202        2       62 SH       DEFINED                  62        0        0
CONECTIV, INC.                 COMMON STOCK     206829103      184     9495 SH       DEFINED                8995        0      500
CONECTIV, INC.                 COMMON STOCK     206829103       34     1750 SH       OTHER                  1000        0      750
CONEXANT SYSTEMS               COMMON STOCK     207142100       11      400 SH       OTHER                   400        0        0
CONSOLIDATED EDISON INC        COMMON STOCK     209115104       88     1937 SH       DEFINED                1869        0
68
CONSOLIDATED EDISON INC        COMMON STOCK     209115104       28      608 SH       OTHER                   608        0        0
CONSOLIDATED NATURAL GAS       COMMON STOCK     209615103      487     9997 SH       DEFINED                9597      300
 100
CONSOLIDATED NATURAL GAS       COMMON STOCK     209615103      231     4750 SH       OTHER                  4650      100
  0
CONSOLIDATED STORES CORP       COMMON STOCK     210149100        3      100 SH       DEFINED                 100        0        0
CONVERGYS CORP                 COMMON STOCK     212485106      126     7375 SH       DEFINED                7175        0      200
CONVERGYS CORP                 COMMON STOCK     212485106       31     1800 SH       OTHER                  1800        0        0
COOPER CAMERON CORP            COMMON STOCK     216640102        9      278 SH       DEFINED                 278        0        0
COOPER INDUSTRIES INC          COMMON STOCK     216669101        7      160 SH       DEFINED                 160        0        0
CORDANT TECHNOLOGIES INC       COMMON STOCK     218412104       10      240 SH       DEFINED                 240        0
0
CORN PRODUCTS INTERNATIONAL    COMMON STOCK     219023108        5      225 SH       DEFINED                 225        0
 0
CORN PRODUCTS INTERNATIONAL    COMMON STOCK     219023108        8      350 SH       OTHER                   350        0
0
CORNERSTONE PROPERTIES         COMMON STOCK     21922H103       15     1000 SH       OTHER                  1000        0        0
CORNING INC                    COMMON STOCK     219350105       39      650 SH       DEFINED                 650        0        0
CORNING INC                    COMMON STOCK     219350105       24      400 SH       OTHER                   400        0        0
COVANCE INC                    COMMON STOCK     222816100        3      100 SH       DEFINED                 100        0        0
CRESTLINE CAPITAL              COMMON STOCK     226153104       26     1711 SH       DEFINED                1711        0        0
CRESTLINE CAPITAL              COMMON STOCK     226153104        5      331 SH       OTHER                   331        0        0
CROWN CORK & SEAL INC          COMMON STOCK     228255105        8      263 SH       OTHER                   263        0        0
CRYOLIFE INC                   COMMON STOCK     228903100       11     1000 SH       DEFINED                1000        0        0
CSX CORP                       COMMON STOCK     126408103      561    14411 SH       DEFINED               14111        0      300
CSX CORP                       COMMON STOCK     126408103       30      762 SH       OTHER                   762        0        0
CVS CORP                       COMMON STOCK     126650100       71     1500 SH       OTHER                  1500        0        0
CYPRUS AMAX MINERALS CO        COMMON STOCK     232809103        1       48 SH       DEFINED                  48        0        0
CYTEC INDUSTRIES INC           COMMON STOCK     232820100        8      342 SH       OTHER                   342        0        0
CYTOGEN CORP                   COMMON STOCK     232824102        1      500 SH       DEFINED                 500        0        0
DAIMLERCHRYSLER AG             COMMON STOCK     D1668R123      134     1558 SH       DEFINED                 311        0
1247
DANA CORP                      COMMON STOCK     235811106       51     1336 SH       DEFINED                1336        0        0
DARDEN RESTAURANTS INC         COMMON STOCK     237194105       14      700 SH       DEFINED                 700        0        0
DARDEN RESTAURANTS INC         COMMON STOCK     237194105       29     1404 SH       OTHER                  1404        0        0
DAYTON HUDSON CORP             COMMON STOCK     239753106     2734    41040 SH       DEFINED               39165        0
1875
DAYTON HUDSON CORP             COMMON STOCK     239753106      536     8040 SH       OTHER                  7540      500        0
DEERE & CO                     COMMON STOCK     244199105       66     1700 SH       DEFINED                1700        0        0
DEERE & CO                     COMMON STOCK     244199105       60     1550 SH       OTHER                  1550        0        0
DEL MONTE FOODS CO             COMMON STOCK     24522P103       13     1000 SH       OTHER                  1000        0        0
DELTA AIRLINES, INC.           COMMON STOCK     247361108       42      600 SH       OTHER                   600        0        0
DELUXE CORP                    COMMON STOCK     248019101       29     1000 SH       OTHER                  1000        0        0
DENTSPLY INTERNATIONAL INC     COMMON STOCK     249030107        9      400 SH       DEFINED                 400        0
0
DIAL CORP NEW                  COMMON STOCK     25247D101       14      400 SH       DEFINED                 400        0        0
DIAL CORP NEW                  COMMON STOCK     25247D101       21      600 SH       OTHER                   600        0        0
DOMINION RESOURCES             COMMON STOCK     257470104     1034    27995 SH       DEFINED               25612      294
2089
DOMINION RESOURCES             COMMON STOCK     257470104      282     7623 SH       OTHER                  6123     1500        0
DOVER CORP                     COMMON STOCK     260003108       46     1400 SH       OTHER                  1400        0        0
DOW CHEMICAL CO                COMMON STOCK     260543103      588     6312 SH       DEFINED                6037        0      275
DOW CHEMICAL CO                COMMON STOCK     260543103      473     5073 SH       OTHER                  5073        0        0
DPL INC                        COMMON STOCK     233293109       53     3183 SH       DEFINED                3183        0        0
DPL INC                        COMMON STOCK     233293109       81     4928 SH       OTHER                  4535        0      393
DQE, INC.                      COMMON STOCK     23329J104       39     1028 SH       DEFINED                1028        0        0
DTE ENERGY COMPANY             COMMON STOCK     233331107       21      555 SH       DEFINED                 555        0        0
DTE ENERGY COMPANY             COMMON STOCK     233331107        4      113 SH       OTHER                   113        0        0
DUKE ENERGY CORP               COMMON STOCK     264399106      936    17083 SH       DEFINED               15260        0     1823
DUKE ENERGY CORP               COMMON STOCK     264399106      708    12920 SH       OTHER                 12820      100        0
E I DU PONT DE NEMOURS & CO.   COMMON STOCK     263534109     3536    60895 SH       DEFINED               58705        0
2190
E I DU PONT DE NEMOURS & CO.   COMMON STOCK     263534109     1015    17478 SH       OTHER                 16378      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       79     1887 SH       DEFINED                1775        0
 112
EASTMAN CHEMICAL COMPANY       COMMON STOCK     277432100        7      168 SH       OTHER                   168        0
0
EASTMAN KODAK CO               COMMON STOCK     277461109      289     4532 SH       DEFINED                4036        0      496
EASTMAN KODAK CO               COMMON STOCK     277461109       64     1000 SH       OTHER                  1000        0        0
EATON CORP                     COMMON STOCK     278058102       39      550 SH       DEFINED                 550        0        0
ECHELON INTL CORP              COMMON STOCK     278747100        2       80 SH       DEFINED                  80        0        0
ECHELON INTL CORP              COMMON STOCK     278747100        3      133 SH       OTHER                   133        0        0
EDISON INTERNATIONAL           COMMON STOCK     281020107       17      778 SH       DEFINED                 778        0        0
EL PASO ENERGY                 COMMON STOCK     283905107        5      166 SH       DEFINED                 166        0        0
ELECTRONIC DATA SYSTEMS CORP   COMMON STOCK     285661104      653    13410 SH       DEFINED               13010
0      400
ELECTRONIC DATA SYSTEMS CORP   COMMON STOCK     285661104      198     4070 SH       OTHER                  3670      400
     0
EMC CORP MASS                  COMMON STOCK     268648102     4139    32400 SH       DEFINED               32400        0        0
EMERSON ELECTRIC CO.           COMMON STOCK     291011104     1316    24861 SH       DEFINED               23121      300
1440
EMERSON ELECTRIC CO.           COMMON STOCK     291011104      736    13899 SH       OTHER                 12924        0      975
ENERGY EAST CORPORATION        COMMON STOCK     29266M109        5      102 SH       DEFINED                 102        0
0
ENRON CORP                     COMMON STOCK     293561106       83     1290 SH       DEFINED                1240        0       50
ENRON OIL & GAS CO             COMMON STOCK     293562104        1       70 SH       DEFINED                   0        0       70
ENSCO INTERNATIONAL            COMMON STOCK     26874Q100        2      150 SH       OTHER                   150        0        0
ENTERGY CORP (NEW)             COMMON STOCK     29364G103       11      400 SH       OTHER                   400        0        0
EQUIFAX INC                    COMMON STOCK     294429105     1762    51248 SH       DEFINED               49648        0     1600
EQUIFAX INC                    COMMON STOCK     294429105      401    11675 SH       OTHER                 11175      500        0
EXXON CORP                     COMMON STOCK     302290101    13180   186785 SH       DEFINED              180935     1400     4450
EXXON CORP                     COMMON STOCK     302290101     2832    40136 SH       OTHER                 37286     1600     1250
F & M NATIONAL CORP            COMMON STOCK     302374103      314    13068 SH       DEFINED               13068        0        0
FEDERAL HOME LOAN MORTGAGE COR COMMON STOCK     313400301       34      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     4159    60060 SH       DEFINED               54710
 600     4750
FEDERAL NATIONAL MORTGAGE ASSN COMMON STOCK     313586109     1326    19155 SH       OTHER                 16605
450     2100
FEDERAL SIGNAL CORP            COMMON STOCK     313855108      101     4850 SH       DEFINED                4750        0      100
FEDERAL SIGNAL CORP            COMMON STOCK     313855108       30     1460 SH       OTHER                  1460        0        0
FEDERATED DEPT STORES INC      COMMON STOCK     31410H101        4      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      121     2325 SH       DEFINED                2325        0        0
FINOVA GROUP INC               COMMON STOCK     317928109       58     1110 SH       OTHER                  1110        0        0
FIRST AMERN CORP TENN          COMMON STOCK     318900107       25      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     1356    25384 SH       DEFINED               15392        0     9992
FIRST UNION CORP               COMMON STOCK     337358105      207     3878 SH       OTHER                  3878        0        0
FIRST VIRGINIA BANKS, INC.     COMMON STOCK     337477103    21371   467757 SH       DEFINED              462255        0
5502
FIRST VIRGINIA BANKS, INC.     COMMON STOCK     337477103    15651   342566 SH       OTHER                333901     8665
 0
FIRSTENERGY CORP               COMMON STOCK     337932107        8      300 SH       OTHER                   300        0        0
FLEET FINL GROUP INC NEW       COMMON STOCK     338915101       92     2450 SH       OTHER                  2450        0        0
FLORIDA PROGRESS CORP          COMMON STOCK     341109106       76     2025 SH       DEFINED                1650        0      375
FLORIDA PROGRESS CORP          COMMON STOCK     341109106       95     2525 SH       OTHER                  2525        0        0
FMC CORP                       COMMON STOCK     302491303       17      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      154     2710 SH       DEFINED                2710        0        0
FORD MOTOR CO                  COMMON STOCK     345370100     1103    19464 SH       OTHER                 17964     1500        0
FOREST OIL CORP                COMMON STOCK     346091606        0       43 SH       DEFINED                  43        0        0
FORT JAMES CORP                COMMON STOCK     347471104       11      350 SH       OTHER                   350        0        0
FORTUNE BRANDS INC             COMMON STOCK     349631101      375     9744 SH       DEFINED                8444        0     1300
FORTUNE BRANDS INC             COMMON STOCK     349631101      108     2800 SH       OTHER                  2800        0        0
FOSTER WHEELER CORP            COMMON STOCK     350244109       27     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      550    10322 SH       DEFINED                9398        0      924
FPL GROUP INC                  COMMON STOCK     302571104      104     1950 SH       OTHER                  1950        0        0
FRED MEYER INC                 COMMON STOCK     592907109        6      100 SH       DEFINED                 100        0        0
FRONTIER CORPORATION           COMMON STOCK     35906P105      104     2000 SH       DEFINED                   0        0     2000
FRUIT OF THE LOOM INC-CLASS A  COMMON STOCK     G3682L105       11     1000 SH       OTHER                     0        0
1000
GANNETT INC                    COMMON STOCK     364730101     1465    23260 SH       DEFINED               23260        0        0
GANNETT INC                    COMMON STOCK     364730101      770    12225 SH       OTHER                 12175       50        0
GARDNER DENVER INC             COMMON STOCK     365558105        0       24 SH       DEFINED                  24        0        0
GATEWAY 2000 INC               COMMON STOCK     367833100       14      200 SH       DEFINED                 200        0        0
GATX CORP                      COMMON STOCK     361448103       26      800 SH       DEFINED                 800        0        0
GENENTECH INC-SPECIAL COMMON   COMMON STOCK     368710307       58      650 SH       OTHER                   650        0
 0
GENERAL AMERICAN INVESTORS     COMMON STOCK     368802104       50     1570 SH       DEFINED                1570        0
  0
GENERAL ELECTRIC CO            COMMON STOCK     369604103    16099   145529 SH       DEFINED              140492        0
5037
GENERAL ELECTRIC CO            COMMON STOCK     369604103     6034    54544 SH       OTHER                 50969     2450
1125
GENERAL MAGIC INC              COMMON STOCK     370253106        4     1000 SH       DEFINED                   0        0     1000
GENERAL MILLS, INC.            COMMON STOCK     370334104      151     2000 SH       DEFINED                2000        0        0
GENERAL MILLS, INC.            COMMON STOCK     370334104      197     2604 SH       OTHER                  2604        0        0
GENERAL MOTORS CORP CLASS H    COMMON STOCK     370442832       57     1130 SH       DEFINED                1030        0
 100
GENERAL MOTORS CORP CLASS H    COMMON STOCK     370442832        3       54 SH       OTHER                    54        0        0
GENERAL MTRS CORP              COMMON STOCK     370442105     2266    26041 SH       DEFINED               24076        0     1965
GENERAL MTRS CORP              COMMON STOCK     370442105      315     3616 SH       OTHER                  3616        0        0
GENUINE PARTS CO               COMMON STOCK     372460105      835    28977 SH       DEFINED               28977        0        0
GENUINE PARTS CO               COMMON STOCK     372460105      165     5737 SH       OTHER                  4425     1312        0
GEORGIA PACIFIC TIMBER GROUP   COMMON STOCK     373298702       25     1100 SH       DEFINED                1100        0
 0
GEORGIA PACIFIC TIMBER GROUP   COMMON STOCK     373298702        4      180 SH       OTHER                   180        0
0
GEORGIA-PACIFIC GROUP          COMMON STOCK     373298108       82     1100 SH       DEFINED                1100        0        0
GEORGIA-PACIFIC GROUP          COMMON STOCK     373298108       13      180 SH       OTHER                   180        0        0
GILLETTE CO                    COMMON STOCK     375766102     2526    42500 SH       DEFINED               41050        0     1450
GILLETTE CO                    COMMON STOCK     375766102      964    16220 SH       OTHER                 16220        0        0
GOODYEAR TIRE & RUBBER CO      COMMON STOCK     382550101       79     1586 SH       DEFINED                1586        0
0
GRAINGER (W.W.) INC            COMMON STOCK     384802104      106     2450 SH       DEFINED                2000        0      450
GRAINGER (W.W.) INC            COMMON STOCK     384802104       13      300 SH       OTHER                   300        0        0
GREAT ATL & PAC TEA            COMMON STOCK     390064103        8      250 SH       OTHER                   250        0        0
GTE CORP                       COMMON STOCK     362320103     3677    60774 SH       DEFINED               56870        0     3904
GTE CORP                       COMMON STOCK     362320103      873    14428 SH       OTHER                 14428        0        0
H&R BLOCK, INC.                COMMON STOCK     093671105      130     2750 SH       DEFINED                2750        0        0
HALLIBURTON CO                 COMMON STOCK     406216101      405    10508 SH       DEFINED                8783        0     1725
HALLIBURTON CO                 COMMON STOCK     406216101      285     7406 SH       OTHER                  7406        0        0
HANNA (M A) CO                 COMMON STOCK     410522106       26     2023 SH       DEFINED                2023        0        0
HANNA (M A) CO                 COMMON STOCK     410522106       19     1462 SH       OTHER                  1462        0        0
HARLEY DAVIDSON INC            COMMON STOCK     412822108      104     1805 SH       DEFINED                1655        0      150
HARLEY DAVIDSON INC            COMMON STOCK     412822108       11      200 SH       OTHER                   200        0        0
HARRAH'S ENTERTAINMENT INC.    COMMON STOCK     413619107        6      300 SH       DEFINED                 300        0
0
HARRIS CORP DEL                COMMON STOCK     413875105       44     1520 SH       DEFINED                   0        0     1520
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104      176     3094 SH       DEFINED                3094        0
      0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104       46      818 SH       OTHER                   818        0
 0
HASBRO INC                     COMMON STOCK     418056107        5      157 SH       DEFINED                   0        0      157
HAWAIIAN ELECTRIC INDUSTRIES I COMMON STOCK     419870100       11      300 SH       DEFINED                 300        0
0
HCR MANOR CARE                 COMMON STOCK     404134108       17      750 SH       DEFINED                 750        0        0
HEALTH CARE PROPERTY INVESTORS COMMON STOCK     421915109        9      300 SH       DEFINED                 300        0
   0
HEALTH MANAGEMENT ASSOC CL A   COMMON STOCK     421933102      139    11389 SH       DEFINED               11389
0        0
HEINZ H J CO                   COMMON STOCK     423074103      313     6600 SH       DEFINED                6600        0        0
HEINZ H J CO                   COMMON STOCK     423074103       92     1950 SH       OTHER                  1950        0        0
HERSHEY FOODS CORP             COMMON STOCK     427866108       84     1500 SH       DEFINED                1500        0        0
HERSHEY FOODS CORP             COMMON STOCK     427866108       25      448 SH       OTHER                   448        0        0
HEWLETT PACKARD CO             COMMON STOCK     428236103      203     3000 SH       DEFINED                3000        0        0
HEWLETT PACKARD CO             COMMON STOCK     428236103      393     5800 SH       OTHER                  5500      300        0
HIGHLANDS INSURANCE GROUP      COMMON STOCK     431032101        1      108 SH       OTHER                   108        0        0
HILTON HOTELS CORP             COMMON STOCK     432848109        1       80 SH       DEFINED                   0        0       80
HOME DEPOT INC                 COMMON STOCK     437076102     5018    80606 SH       DEFINED               77156        0     3450
HOME DEPOT INC                 COMMON STOCK     437076102     1022    16425 SH       OTHER                 16425        0        0
HOMEBASE INC                   COMMON STOCK     43738E108        2      475 SH       OTHER                   475        0        0
HONEYWELL INC                  COMMON STOCK     438506107      208     2744 SH       DEFINED                2694        0       50
HONEYWELL INC                  COMMON STOCK     438506107       61      800 SH       OTHER                   800        0        0
HOST MARRIOTT SERVICES CORP    COMMON STOCK     440914109       22     3207 SH       DEFINED                3207        0
 0
HOST MARRIOTT SERVICES CORP    COMMON STOCK     440914109        4      663 SH       OTHER                   663        0        0
HOUSEHOLD INTERNATIONAL INC.   COMMON STOCK     441815107      111     2442 SH       OTHER                  2442        0
  0
HUBBELL INC CL B               COMMON STOCK     443510201       14      350 SH       DEFINED                 350        0        0
HUMANA, INC                    COMMON STOCK     444859102       16      900 SH       OTHER                   900        0        0
HUNT CORP                      COMMON STOCK     445591100       45     4538 SH       DEFINED                4538        0        0
HUSSMANN INTERNATIONAL INC     COMMON STOCK     448110106        7      500 SH       DEFINED                 500        0
0
IBP INC                        COMMON STOCK     449223106        2      110 SH       DEFINED                   0        0      110
IKON OFFICE SOLUTIONS          COMMON STOCK     451713101       42     3300 SH       OTHER                  3300        0        0
ILLINOIS TOOL WORKS INC        COMMON STOCK     452308109     1901    30727 SH       DEFINED               29977        0
750
ILLINOIS TOOL WORKS INC        COMMON STOCK     452308109      418     6750 SH       OTHER                  6550      200        0
IMATION CORP                   COMMON STOCK     45245A107       11      693 SH       DEFINED                 693        0        0
IMS HEALTH                     COMMON STOCK     449934108       12      350 SH       DEFINED                 350        0        0
INGERSOLL RAND CO              COMMON STOCK     456866102       87     1750 SH       DEFINED                1750        0        0
INTEL CORP                     COMMON STOCK     458140100     5058    42550 SH       DEFINED               41250        0     1300
INTEL CORP                     COMMON STOCK     458140100     1827    15370 SH       OTHER                 15270      100        0
INTELECT COMMUNICATIONS INC    COMMON STOCK     458144102        0        1 SH       DEFINED                   1        0        0
INTERNATIONAL BUSINESS MACHINE COMMON STOCK     459200101     4134    23324 SH       DEFINED               20810
400     2114
INTERNATIONAL BUSINESS MACHINE COMMON STOCK     459200101     1968    11101 SH       OTHER                 10749
0      352
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK     459506101      179     4775 SH       DEFINED                4775
0        0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK     459506101       71     1900 SH       OTHER                  1750
150        0
INTERNATIONAL PAPER CO         COMMON STOCK     460146103       16      388 SH       DEFINED                 388        0        0
INTERNATIONAL PAPER CO         COMMON STOCK     460146103       55     1300 SH       OTHER                  1300        0        0
INTERPUBLIC GROUP COS INC      COMMON STOCK     460690100     1570    20156 SH       DEFINED               18991        0
1165
INTERPUBLIC GROUP COS INC      COMMON STOCK     460690100     1103    14165 SH       OTHER                 13115        0
1050
INTERSTATE ENERGY CORP         COMMON STOCK     460845100       12      469 SH       DEFINED                 469        0        0
INTERSTATE ENERGY CORP         COMMON STOCK     460845100       11      397 SH       OTHER                   397        0        0
IPALCO ENTERPRISES INC         COMMON STOCK     462613100      118     5400 SH       DEFINED                5400        0        0
ITT INDUSTRIES                 COMMON STOCK     450911102       37     1056 SH       DEFINED                1056        0        0
ITT INDUSTRIES                 COMMON STOCK     450911102       11      309 SH       OTHER                   309        0        0
JAMES RIVER BANKSHARES         COMMON STOCK     470345109        3      150 SH       DEFINED                 150        0        0
JEFFERSON PILOT CORP           COMMON STOCK     475070108       29      430 SH       OTHER                   430        0        0
JOHN NUVEEN CO-CL A            COMMON STOCK     478035108        8      200 SH       OTHER                   200        0        0
JOHNSON & JOHNSON              COMMON STOCK     478160104     5198    55594 SH       DEFINED               51694        0     3900
JOHNSON & JOHNSON              COMMON STOCK     478160104     2040    21815 SH       OTHER                 20865      250      700
JOHNSON CONTROLS INC           COMMON STOCK     478366107       32      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        5      247 SH       OTHER                   247        0        0
KANSAS CITY POWER & LIGHT      COMMON STOCK     485134100        7      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      355    10500 SH       DEFINED               10100        0      400
KELLOGG CO                     COMMON STOCK     487836108       88     2600 SH       OTHER                  2600        0        0
KERR MCGEE CORP                COMMON STOCK     492386107        1       38 SH       OTHER                    38        0        0
KEYCORP                        COMMON STOCK     493267108      118     3900 SH       DEFINED                   0        0     3900
KIMBERLY CLARK CORP            COMMON STOCK     494368103      618    12899 SH       DEFINED               11151        0
1748
KIMBERLY CLARK CORP            COMMON STOCK     494368103      276     5750 SH       OTHER                  5750        0        0
KNIGHT RIDDER INC              COMMON STOCK     499040103      120     2400 SH       DEFINED                2400        0        0
KOHLS CORP                     COMMON STOCK     500255104      578     8150 SH       DEFINED                8150        0        0
KROGER CO                      COMMON STOCK     501044101       78     1296 SH       DEFINED                1296        0        0
LANDAMERICA FINANCIAL GROUP    COMMON STOCK     514936103       25      875 SH       DEFINED                 375        0
500
LEHMAN BROTHERS HOLDINGS       COMMON STOCK     524908100       25      424 SH       DEFINED                 424        0
0
LG & E ENERGY CORP             COMMON STOCK     501917108       21     1032 SH       DEFINED                1032        0        0
LG & E ENERGY CORP             COMMON STOCK     501917108       15      702 SH       OTHER                   702        0        0
LILLY ELI & CO                 COMMON STOCK     532457108      182     2140 SH       DEFINED                   0        0     2140
LILLY ELI & CO                 COMMON STOCK     532457108       85     1000 SH       OTHER                  1000        0        0
LIMITED INC                    COMMON STOCK     532716107       12      300 SH       DEFINED                 300        0        0
LINCOLN NATIONAL CORP          COMMON STOCK     534187109       15      150 SH       DEFINED                 150        0        0
LINDAL CEDAR HOMES INC         COMMON STOCK     535130108        1      485 SH       DEFINED                 485        0        0
LIONS GATE ENTERTAINMENT       COMMON STOCK     535919203        4     1000 SH       DEFINED                   0        0
1000
LIZ CLAIBORNE                  COMMON STOCK     539320101        8      250 SH       OTHER                   250        0        0
LOCKHEED MARTIN CORP           COMMON STOCK     539830109       91     2400 SH       DEFINED                2400        0        0
LOCKHEED MARTIN CORP           COMMON STOCK     539830109       61     1622 SH       OTHER                  1622        0        0
LORAL SPACE & COMMUNICATIONSCO COMMON STOCK     G56462107       10      700 SH       OTHER                   700        0
      0
LOUISIANA PACIFIC CORP         COMMON STOCK     546347105       13      700 SH       DEFINED                 700        0        0
LOUISIANA PACIFIC CORP         COMMON STOCK     546347105        1       78 SH       OTHER                    78        0        0
LOWES COMPANIES                COMMON STOCK     548661107       24      400 SH       DEFINED                 300        0      100
LUBRIZOL CORP                  COMMON STOCK     549271104       30     1332 SH       DEFINED                1332        0        0
LUCENT TECHNOLOGIES INC        COMMON STOCK     549463107     4189    38784 SH       DEFINED               35572        0
3212
LUCENT TECHNOLOGIES INC        COMMON STOCK     549463107     1310    12130 SH       OTHER                 11754      198
178
MADISON GAS & ELEC CO          COMMON STOCK     557497104        4      225 SH       DEFINED                 225        0        0
MARRIOTT INTERNATIONAL-CL A    COMMON STOCK     571903202     1434    42660 SH       DEFINED               41100        0
   1560
MARRIOTT INTERNATIONAL-CL A    COMMON STOCK     571903202      246     7310 SH       OTHER                  7310        0
 0
MASCO CORP                     COMMON STOCK     574599106      120     4250 SH       DEFINED                4250        0        0
MASCO CORP                     COMMON STOCK     574599106       42     1500 SH       OTHER                  1400        0      100
MASON-DIXON BANCSHARES         COMMON STOCK     575207105       46     1000 SH       DEFINED                1000        0
0
MAXIMUS INC                    COMMON STOCK     577933104        3      100 SH       DEFINED                 100        0        0
MAY DEPT STORES CO             COMMON STOCK     577778103      403    10302 SH       DEFINED                9852        0      450
MAY DEPT STORES CO             COMMON STOCK     577778103      150     3825 SH       OTHER                  3825        0        0
MBIA INC                       COMMON STOCK     55262C100      382     6580 SH       DEFINED                5980        0      600
MBIA INC                       COMMON STOCK     55262C100       41      700 SH       OTHER                   700        0        0
MBNA CORP                      COMMON STOCK     55262L100     3723   155942 SH       DEFINED              146222     2025     7695
MBNA CORP                      COMMON STOCK     55262L100     1126    47162 SH       OTHER                 45545     1617        0
MCCORMICK & CO INC NON-VOTING  COMMON STOCK     579780206       17      600 SH       DEFINED                 600        0
   0
MCCORMICK & CO INC NON-VOTING  COMMON STOCK     579780206      128     4400 SH       OTHER                  4400        0
    0
MCDERMOTT INTERNATIONAL        COMMON STOCK     580037109        3      100 SH       OTHER                   100        0        0
MCDONALDS CORP                 COMMON STOCK     580135101     2955    65206 SH       DEFINED               59066     2200
3940
MCDONALDS CORP                 COMMON STOCK     580135101     1003    22140 SH       OTHER                 21540        0      600
MCGRAW-HILL COMPANIES INC      COMMON STOCK     580645109     1297    23796 SH       DEFINED               23196        0
  600
MCGRAW-HILL COMPANIES INC      COMMON STOCK     580645109      338     6201 SH       OTHER                  5801        0
400
MCI WORLDCOM                   COMMON STOCK     55268B106      589     6647 SH       DEFINED                4904        0     1743
MCI WORLDCOM                   COMMON STOCK     55268B106       58      650 SH       OTHER                   650        0        0
MCN ENERGY GROUP               COMMON STOCK     55267J100        6      400 SH       DEFINED                 400        0        0
MCN ENERGY GROUP               COMMON STOCK     55267J100        8      520 SH       OTHER                   520        0        0
MDU RESOURCES GROUP            COMMON STOCK     552690109       24     1050 SH       DEFINED                1050        0        0
MEAD CORP                      COMMON STOCK     582834107       12      400 SH       DEFINED                 400        0        0
MEAD CORP                      COMMON STOCK     582834107      215     7000 SH       OTHER                  7000        0        0
MEDIAONE GROUP INC.            COMMON STOCK     58440J104      327     5158 SH       DEFINED                4397        0      761
MEDIAONE GROUP INC.            COMMON STOCK     58440J104      118     1858 SH       OTHER                  1858        0        0
MEDPARTNERS INC                COMMON STOCK     58503X107        3      605 SH       DEFINED                 605        0        0
MEDTRONIC INC.                 COMMON STOCK     585055106     3016    41965 SH       DEFINED               41340        0      625
MEDTRONIC INC.                 COMMON STOCK     585055106      444     6184 SH       OTHER                  6184        0        0
MELLON BANK CORP               COMMON STOCK     585509102       54      762 SH       DEFINED                 762        0        0
MELLON BANK CORP               COMMON STOCK     585509102       51      730 SH       OTHER                   730        0        0
MERCANTILE BANKSHARES          COMMON STOCK     587405101      277     7492 SH       DEFINED                7492        0
0
MERCANTILE BANKSHARES          COMMON STOCK     587405101      489    13213 SH       OTHER                 13213        0
0
MERCK & CO INC                 COMMON STOCK     589331107     6341    79144 SH       DEFINED               75294      400     3450
MERCK & CO INC                 COMMON STOCK     589331107     2139    26698 SH       OTHER                 22498     3100     1100
MERITOR AUTOMOTIVE INC         COMMON STOCK     59000G100        4      266 SH       OTHER                   266        0        0
MERRILL LYNCH & CO INC         COMMON STOCK     590188108       96     1080 SH       DEFINED                1080        0        0
METRO-GOLDWYN-MAYER INC        COMMON STOCK     591610100        3      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       33     1000 SH       DEFINED                1000        0        0
MICROSOFT CORP                 COMMON STOCK     594918104     5488    61230 SH       DEFINED               59280        0     1950
MICROSOFT CORP                 COMMON STOCK     594918104     1426    15912 SH       OTHER                 15312      600        0
MIDAS INC                      COMMON STOCK     595626102        6      166 SH       DEFINED                 166        0        0
MINNESOTA MINING & MANUFACTURI COMMON STOCK     604059105     1251    17675 SH       DEFINED               17075
200      400
MINNESOTA MINING & MANUFACTURI COMMON STOCK     604059105      414     5850 SH       OTHER                  5800
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     4869    55335 SH       DEFINED               53935      400     1000
MOBIL CORP                     COMMON STOCK     607059102     1510    17160 SH       OTHER                 16860      100      200
MONSANTO CO                    COMMON STOCK     611662107      373     8125 SH       DEFINED                5175        0     2950
MONSANTO CO                    COMMON STOCK     611662107      129     2800 SH       OTHER                  2800        0        0
MONTANA POWER CO               COMMON STOCK     612085100      287     3900 SH       DEFINED                3900        0        0
MONY GROUP INC                 COMMON STOCK     615337102       22      867 SH       DEFINED                 867        0        0
MORGAN J P & CO INC            COMMON STOCK     616880100      223     1810 SH       DEFINED                1810        0        0
MORGAN J P & CO INC            COMMON STOCK     616880100       63      510 SH       OTHER                   510        0        0
MORGAN STANLEY, DEAN WITTER &  COMMON STOCK     617446448      448     4487 SH       DEFINED                4487
0        0
MORGAN STANLEY, DEAN WITTER &  COMMON STOCK     617446448       85      848 SH       OTHER                   458        0
390
MORTON INTERNATIONAL (NEW)     COMMON STOCK     619335102       33      900 SH       DEFINED                 900        0
0
MOTOROLA INC                   COMMON STOCK     620076109      799    10907 SH       DEFINED               10607        0      300
MOTOROLA INC                   COMMON STOCK     620076109      229     3125 SH       OTHER                  3025      100        0
MYLAN LABORATORIES INC         COMMON STOCK     628530107       16      600 SH       DEFINED                 600        0        0
NATIONAL CITY CORP             COMMON STOCK     635405103      155     2337 SH       DEFINED                 900        0     1437
NATIONAL CITY CORP             COMMON STOCK     635405103      315     4740 SH       OTHER                  4740        0        0
NATIONAL FUEL GAS N J          COMMON STOCK     636180101      389     9910 SH       DEFINED                9560        0      350
NATIONAL FUEL GAS N J          COMMON STOCK     636180101       45     1150 SH       OTHER                  1150        0        0
NCR CORPORATION                COMMON STOCK     62886E108       20      405 SH       DEFINED                 405        0        0
NCR CORPORATION                COMMON STOCK     62886E108       15      296 SH       OTHER                   296        0        0
NETWORK PERIPHERALS INC        COMMON STOCK     64121R100        2      429 SH       DEFINED                 429        0        0
NEVADA POWER CO                COMMON STOCK     641423108       12      500 SH       DEFINED                 500        0        0
NEW ENGLAND ELECTRIC SYSTEM    COMMON STOCK     644001109       11      220 SH       OTHER                     0        0
220
NEWMONT MINING CORP            COMMON STOCK     651639106       31     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        4      100 SH       DEFINED                 100        0
 0
NIELSEN MEDIA RESEARCH         COMMON STOCK     653929307        1       33 SH       OTHER                    33        0        0
NIPSCO INDUSTRIES INC.         COMMON STOCK     629140104       24      880 SH       OTHER                   880        0        0
NORDSTROM INC                  COMMON STOCK     655664100       86     2100 SH       DEFINED                2100        0        0
NORDSTROM INC                  COMMON STOCK     655664100       49     1200 SH       OTHER                  1200        0        0
NORFOLK SOUTHERN CORP          COMMON STOCK     655844108     2713   102866 SH       DEFINED               96091        0
6775
NORFOLK SOUTHERN CORP          COMMON STOCK     655844108      492    18644 SH       OTHER                 17119     1075
450
NORTHEAST UTILITIES            COMMON STOCK     664397106        4      284 SH       DEFINED                 284        0        0
NORTHERN STATES POWER MINN     COMMON STOCK     665772109       66     2852 SH       DEFINED                2852        0
  0
NORTHERN STATES POWER MINN     COMMON STOCK     665772109       14      600 SH       OTHER                   600        0
0
NORTHWEST NATURAL GAS CO       COMMON STOCK     667655104       30     1350 SH       DEFINED                1350        0
 0
NUCOR CORP                     COMMON STOCK     670346105      347     7865 SH       DEFINED                7415        0      450
NUCOR CORP                     COMMON STOCK     670346105       26      600 SH       OTHER                   500      100        0
O'SULLIVAN CORP                COMMON STOCK     688605104      641    77713 SH       DEFINED               77713        0        0
OCCIDENTAL PETROLEUM CORP      COMMON STOCK     674599105       16      900 SH       DEFINED                 900        0
0
OFFICEMAX INC                  COMMON STOCK     67622M108        1      165 SH       DEFINED                   0        0      165
OGE ENERGY CORP                COMMON STOCK     670837103        9      400 SH       DEFINED                 400        0        0
ORACLE CORPORATION             COMMON STOCK     68389X105        4      150 SH       DEFINED                 150        0        0
ORACLE CORPORATION             COMMON STOCK     68389X105       11      400 SH       OTHER                   400        0        0
ORANGE & ROCKLAND UTILITIES    COMMON STOCK     684065105       40      700 SH       DEFINED                 700        0
0
OSHKOSH TRUCK CORP             COMMON STOCK     688239201        3      100 SH       DEFINED                 100        0        0
P P & L RESOURCES              COMMON STOCK     693499105        5      219 SH       DEFINED                 219        0        0
P P & L RESOURCES              COMMON STOCK     693499105       20      801 SH       OTHER                   801        0        0
PACIFICORP                     COMMON STOCK     695114108       22     1250 SH       DEFINED                1250        0        0
PACIFICORP                     COMMON STOCK     695114108       27     1537 SH       OTHER                  1537        0        0
PARK PLACE ENTERTAINMENT       COMMON STOCK     700690100        1      180 SH       DEFINED                 100        0
80
PECO ENERGY CO                 COMMON STOCK     693304107      185     4000 SH       DEFINED                   0        0     4000
PECO ENERGY CO                 COMMON STOCK     693304107       47     1012 SH       OTHER                  1012        0        0
PENNEY J C INC                 COMMON STOCK     708160106      522    12879 SH       DEFINED               11479        0     1400
PENNEY J C INC                 COMMON STOCK     708160106      129     3180 SH       OTHER                  2940      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
PENTON MEDIA INC               COMMON STOCK     709668107        5      235 SH       OTHER                   235        0        0
PEOPLES ENERGY CORPORATION     COMMON STOCK     711030106       10      300 SH       DEFINED                 300        0
0
PEPSICO INC                    COMMON STOCK     713448108     2791    71222 SH       DEFINED               67372      700     3150
PEPSICO INC                    COMMON STOCK     713448108     1032    26338 SH       OTHER                 22638     3600      100
PFIZER INC                     COMMON STOCK     717081103     3984    28715 SH       DEFINED               28290        0      425
PFIZER INC                     COMMON STOCK     717081103     1196     8620 SH       OTHER                  8620        0        0
PG & E CORP                    COMMON STOCK     69331C108       26      834 SH       DEFINED                 834        0        0
PG & E CORP                    COMMON STOCK     69331C108       42     1336 SH       OTHER                  1336        0        0
PHELPS DODGE CORP              COMMON STOCK     717265102       39      800 SH       OTHER                   300        0      500
PHILADELPHIA SUBN CORP         COMMON STOCK     718009608       93     4113 SH       DEFINED                4113        0        0
PHILIP MORRIS COS INC          COMMON STOCK     718154107     2278    64733 SH       DEFINED               63333      600
800
PHILIP MORRIS COS INC          COMMON STOCK     718154107      653    18550 SH       OTHER                 14350     2700     1500
PHILLIPS PETROLEUM CO          COMMON STOCK     718507106      123     2600 SH       DEFINED                2600        0        0
PIEDMONT NATURAL GAS INC       COMMON STOCK     720186105       18      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      102     2700 SH       DEFINED                2700        0        0
PITNEY BOWES INC               COMMON STOCK     724479100      383     6000 SH       DEFINED                6000        0        0
PITTSTON BAX GROUP             COMMON STOCK     725701882        1      110 SH       DEFINED                 110        0        0
PITTSTON BRINK'S GROUP         COMMON STOCK     725701106        5      220 SH       DEFINED                 220        0        0
PITTWAY CORP CLASS A           COMMON STOCK     725790208       12      470 SH       OTHER                   470        0        0
PLAYBOY ENTERPRISES CL A       COMMON STOCK     728117201        2      100 SH       DEFINED                 100        0        0
PNC BANK CORP                  COMMON STOCK     693475105       86     1550 SH       DEFINED                1550        0        0
PNC BANK CORP                  COMMON STOCK     693475105       96     1720 SH       OTHER                  1720        0        0
POTOMAC ELECTRIC POWER CO      COMMON STOCK     737679100      936    40374 SH       DEFINED               35374        0
 5000
POTOMAC ELECTRIC POWER CO      COMMON STOCK     737679100      225     9695 SH       OTHER                  7594     1850
 251
PPG INDS INC                   COMMON STOCK     693506107     1072    20919 SH       DEFINED               19969        0      950
PPG INDS INC                   COMMON STOCK     693506107      343     6700 SH       OTHER                  6400      100      200
PRAXAIR INC                    COMMON STOCK     74005P104      170     4726 SH       DEFINED                4696        0       30
PREMARK INTL INC               COMMON STOCK     740459102       13      400 SH       DEFINED                 400        0        0
PRIMARK CORP                   COMMON STOCK     741903108        5      224 SH       DEFINED                 224        0        0
PROCTER & GAMBLE CO            COMMON STOCK     742718109     6136    62652 SH       DEFINED               59112     1600
1940
PROCTER & GAMBLE CO            COMMON STOCK     742718109     3050    31141 SH       OTHER                 29991      200
950
PROGRESSIVE CORP OHIO          COMMON STOCK     743315103       29      200 SH       DEFINED                 200        0        0
PROVIDIAN FINANCIAL CORP       COMMON STOCK     74406A102    38170   347001 SH       DEFINED              347001        0
    0
PROVIDIAN FINANCIAL CORP       COMMON STOCK     74406A102      182     1650 SH       OTHER                  1650        0        0
PUBLIC SERVICE CO OF N C       COMMON STOCK     744516105       71     2500 SH       DEFINED                2500        0        0
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK     744573106      153     4010 SH       DEFINED                3600        0
  410
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK     744573106       11      300 SH       OTHER                   300        0
0
PUGET SOUND ENERGY INC         COMMON STOCK     745332106       18      800 SH       OTHER                   800        0        0
PULASKI FURNITURE CORP         COMMON STOCK     745553107        1       72 SH       DEFINED                  72        0        0
QUAKER OATS CO                 COMMON STOCK     747402105      321     5150 SH       DEFINED                2550        0     2600
QUAKER OATS CO                 COMMON STOCK     747402105      168     2695 SH       OTHER                  1100     1420      175
QUEST DIAGNOSTICS INC          COMMON STOCK     74834L100        1       50 SH       DEFINED                  50        0        0
QUESTAR CORP                   COMMON STOCK     748356102       10      600 SH       OTHER                   600        0        0
QWEST COMMUNICATIONS INTERNATI COMMON STOCK     749121109       42      583 SH       DEFINED                 583        0
      0
R & B FALCON CORP              COMMON STOCK     74912E101        2      200 SH       DEFINED                   0        0      200
RALSTON-RALSTON PURINA GROUP   COMMON STOCK     751277302       33     1218 SH       DEFINED                1218        0
     0
RAYONIER INC                   COMMON STOCK     754907103       11      263 SH       DEFINED                 263        0        0
RAYONIER INC                   COMMON STOCK     754907103        3       77 SH       OTHER                    77        0        0
RAYTHEON CO CLASS A            COMMON STOCK     755111309      110     1903 SH       DEFINED                1731        0      172
RAYTHEON CO CLASS A            COMMON STOCK     755111309        4       73 SH       OTHER                    73        0        0
RAYTHEON CO CLASS B            COMMON STOCK     755111408       23      400 SH       DEFINED                 400        0        0
RAYTHEON CO CLASS B            COMMON STOCK     755111408       67     1136 SH       OTHER                  1136        0        0
RELIANT ENERGY                 COMMON STOCK     75952J108       16      600 SH       DEFINED                 600        0        0
RELIANT ENERGY                 COMMON STOCK     75952J108       25      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        2      100 SH       DEFINED                 100        0        0
REYNOLDS METALS CO             COMMON STOCK     761763101       24      500 SH       DEFINED                 500        0        0
RICHFOOD HOLDINGS INC          COMMON STOCK     763408101       47     2200 SH       DEFINED                2200        0        0
RITE AID CORP                  COMMON STOCK     767754104       67     2662 SH       DEFINED                 800     1592      270
RJR NABISCO HOLDINGS CORP (NEW COMMON STOCK     74960K876       20      786 SH       DEFINED                 786        0
   0
RJR NABISCO HOLDINGS CORP (NEW COMMON STOCK     74960K876        6      240 SH       OTHER                   240        0
0
ROANOKE GAS CO                 COMMON STOCK     769858101       46     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       34      800 SH       OTHER                   800        0        0
ROWE FURNITURE CORP.           COMMON STOCK     779528108     1080   108000 SH       DEFINED              108000        0
0
ROWE FURNITURE CORP.           COMMON STOCK     779528108        3      250 SH       OTHER                   250        0        0
RPM INC OHIO                   COMMON STOCK     749685103       19     1391 SH       DEFINED                1391        0        0
RPM INC OHIO                   COMMON STOCK     749685103       18     1370 SH       OTHER                  1370        0        0
SABINE ROYALTY TRUST           COMMON STOCK     785688102        3      250 SH       DEFINED                 250        0        0
SAFEWAY INC                    COMMON STOCK     786514208       31      600 SH       DEFINED                 600        0        0
SALOMON BROS. FUND INC         COMMON STOCK     795477108      102     5736 SH       DEFINED                5736        0        0
SALOMON BROS. FUND INC         COMMON STOCK     795477108        3      178 SH       OTHER                     0        0      178
SANDY SPRING BANCORP INC       COMMON STOCK     800363103      863    31666 SH       DEFINED               28662        0
3004
SANDY SPRING BANCORP INC       COMMON STOCK     800363103       93     3400 SH       OTHER                  3400        0        0
SANTA FE ENERGY RES INC        COMMON STOCK     802012104        1      106 SH       DEFINED                 106        0        0
SANTA FE ENERGY TRUST UNITS    COMMON STOCK     802013102        9      500 SH       DEFINED                 500        0
0
SARA LEE CORP                  COMMON STOCK     803111103     1605    64830 SH       DEFINED               60730        0     4100
SARA LEE CORP                  COMMON STOCK     803111103      700    28290 SH       OTHER                 27450      400      440
SBC COMMUNICATIONS             COMMON STOCK     78387G103     3389    71828 SH       DEFINED               61697        0
10131
SBC COMMUNICATIONS             COMMON STOCK     78387G103     1084    22968 SH       OTHER                 22968        0        0
SCHERING PLOUGH CORP           COMMON STOCK     806605101      641    11600 SH       DEFINED               11600        0        0
SCHERING PLOUGH CORP           COMMON STOCK     806605101      751    13600 SH       OTHER                 13600        0        0
SCHLUMBERGER LTD               COMMON STOCK     806857108      111     1843 SH       DEFINED                1617      226        0
SCHLUMBERGER LTD               COMMON STOCK     806857108      217     3600 SH       OTHER                  3600        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      230     5087 SH       DEFINED                5087        0        0
SEARS ROEBUCK & CO             COMMON STOCK     812387108       67     1490 SH       OTHER                   990        0      500
SEMPRA ENERGY                  COMMON STOCK     816851109       15      800 SH       DEFINED                 800        0        0
SERVICE CORP INTL              COMMON STOCK     817565104        9      600 SH       DEFINED                 600        0        0
SERVICEMASTER CO               COMMON STOCK     81760N109       46     2277 SH       OTHER                  2277        0        0
SHERWIN WILLIAMS CO            COMMON STOCK     824348106       68     2400 SH       DEFINED                2400        0        0
SIGMA-ALDRICH CORP             COMMON STOCK     826552101      140     4800 SH       DEFINED                4350      250      200
SIGMA-ALDRICH CORP             COMMON STOCK     826552101       32     1100 SH       OTHER                  1000        0      100
SNAP-ON, INC                   COMMON STOCK     833034101        4      150 SH       OTHER                   150        0        0
SODEXHO MARRIOTT SERVICES      COMMON STOCK     833793102       95     4326 SH       DEFINED                4256        0
70
SODEXHO MARRIOTT SERVICES      COMMON STOCK     833793102       18      838 SH       OTHER                   838        0        0
SOLUTIA INC                    COMMON STOCK     834376105       10      600 SH       DEFINED                 600        0        0
SOLUTIA INC                    COMMON STOCK     834376105        7      392 SH       OTHER                   392        0        0
SONAT INC                      COMMON STOCK     835415100       12      400 SH       DEFINED                   0      400        0
SOURCE CAPITAL INC             COMMON STOCK     836144105       20      440 SH       DEFINED                 440        0        0
SOUTHERN CO                    COMMON STOCK     842587107      144     6175 SH       DEFINED                4375        0     1800
SOUTHERN CO                    COMMON STOCK     842587107      136     5830 SH       OTHER                  5830        0        0
SOUTHTRUST CORP                COMMON STOCK     844730101        6      150 SH       DEFINED                 150        0        0
SPRINT CORP (FON GROUP)        COMMON STOCK     852061100      294     3000 SH       DEFINED                3000        0        0
SPRINT CORP (FON GROUP)        COMMON STOCK     852061100       69      700 SH       OTHER                   700        0        0
SPRINT CORP (PCS GROUP)        COMMON STOCK     852061506       66     1500 SH       DEFINED                1500        0        0
SPRINT CORP (PCS GROUP)        COMMON STOCK     852061506       16      350 SH       OTHER                   350        0        0
ST.PAUL COMPANIES              COMMON STOCK     792860108      247     7964 SH       DEFINED                7964        0        0
ST.PAUL COMPANIES              COMMON STOCK     792860108        6      178 SH       OTHER                   178        0        0
STANLEY WORKS                  COMMON STOCK     854616109       66     2592 SH       DEFINED                2592        0        0
STAPLES INC                    COMMON STOCK     855030102       20      600 SH       DEFINED                 600        0        0
STARWOOD HOTELS & RESORTS WORL COMMON STOCK     85590A203        1       46 SH       DEFINED                  46        0
     0
STARWOOD HOTELS & RESORTS WORL COMMON STOCK     85590A203       14      476 SH       OTHER                   476        0
      0
STATE STREET CORP              COMMON STOCK     857477103      905    11000 SH       DEFINED               10700        0      300
STATE STREET CORP              COMMON STOCK     857477103       34      416 SH       OTHER                   416        0        0
STEWART ENTERPRISES INC CL A   COMMON STOCK     860370105       14      900 SH       DEFINED                 900        0
0
STONE & WEBSTER INC            COMMON STOCK     861572105        5      200 SH       DEFINED                 200        0        0
STRYKER CORP                   COMMON STOCK     863667101      745    14770 SH       DEFINED               14220        0      550
STRYKER CORP                   COMMON STOCK     863667101      140     2766 SH       OTHER                  2766        0        0
SUN MICROSYSTEMS INC           COMMON STOCK     866810104     3344    26735 SH       DEFINED               25935        0
800
SUN MICROSYSTEMS INC           COMMON STOCK     866810104     1040     8316 SH       OTHER                  8116      200        0
SUNOCO INC                     COMMON STOCK     86764P109        4      104 SH       OTHER                   104        0        0
SUNSHINE MINING & REFINING CO  COMMON STOCK     867833105        1     1000 SH       DEFINED                   0        0
1000
SUNTRUST BANKS, INC.           COMMON STOCK     867914103     2930    47064 SH       DEFINED               25424        0
21640
SUNTRUST BANKS, INC.           COMMON STOCK     867914103      985    15816 SH       OTHER                 15816        0        0
SUSQUEHANNA BANCSHARES         COMMON STOCK     869099101       32     1720 SH       OTHER                  1720        0
0
SYNTROLEUM                     COMMON STOCK     871630109        1      200 SH       DEFINED                   0        0      200
SYSCO CORP                     COMMON STOCK     871829107      831    31582 SH       DEFINED               31182        0      400
SYSCO CORP                     COMMON STOCK     871829107      118     4500 SH       OTHER                  4300      200        0
T ROWE PRICE & ASSOC           COMMON STOCK     741477103      187     5450 SH       DEFINED                5450        0        0
T ROWE PRICE & ASSOC           COMMON STOCK     741477103       36     1050 SH       OTHER                  1050        0        0
TANDY CORP                     COMMON STOCK     875382103       26      400 SH       DEFINED                 400        0        0
TECO ENERGY INC                COMMON STOCK     872375100       39     1944 SH       DEFINED                1944        0        0
TELEPHONE & DATA SYSTEMS, INC. COMMON STOCK     879433100       13      227 SH       DEFINED                 227        0
 0
TENET HEALTHCARE CORP          COMMON STOCK     88033G100        5      265 SH       DEFINED                 265        0        0
TENNECO INC                    COMMON STOCK     88037E101        8      300 SH       DEFINED                 300        0        0
TENNECO INC                    COMMON STOCK     88037E101        4      150 SH       OTHER                   150        0        0
TETRA TECH INC NEW             COMMON STOCK     88162G103       78     3712 SH       DEFINED                3712        0        0
TEXACO INC                     COMMON STOCK     881694103      242     4262 SH       DEFINED                4262        0        0
TEXACO INC                     COMMON STOCK     881694103      220     3876 SH       OTHER                  3876        0        0
TEXAS UTILITIES CO             COMMON STOCK     882848104      130     3103 SH       DEFINED                2075        0     1028
TEXTRON INC                    COMMON STOCK     883203101      166     2144 SH       DEFINED                2144        0        0
THERMO ELECTRON CORP           COMMON STOCK     883556102        9      675 SH       OTHER                   675        0        0
THOMAS & BETTS CORP            COMMON STOCK     884315102        8      200 SH       DEFINED                 200        0        0
TIME WARNER INC                COMMON STOCK     887315109      197     2786 SH       DEFINED                2696        0       90
TIME WARNER INC                COMMON STOCK     887315109       31      440 SH       OTHER                   440        0        0
TIMKEN CO                      COMMON STOCK     887389104        3      200 SH       OTHER                   200        0        0
TJX COS INC NEW                COMMON STOCK     872540109       34     1000 SH       OTHER                  1000        0        0
TRANSAMERICA CORP              COMMON STOCK     893485102       75     1058 SH       DEFINED                1058        0        0
TRI CONTL CORP                 COMMON STOCK     895436103      145     4996 SH       DEFINED                4996        0        0
TRICON GLOBAL RESTAURANTS      COMMON STOCK     895953107      529     7527 SH       DEFINED                7477        0
 50
TRICON GLOBAL RESTAURANTS      COMMON STOCK     895953107      193     2750 SH       OTHER                  2670       80
 0
TRION INC                      COMMON STOCK     896726106        1      200 SH       DEFINED                 200        0        0
TRW INC                        COMMON STOCK     872649108      693    15225 SH       DEFINED               14575        0      650
TRW INC                        COMMON STOCK     872649108       75     1650 SH       OTHER                  1650        0        0
TUPPERWARE CORP                COMMON STOCK     899896104        9      500 SH       DEFINED                 500        0        0
TYCO INTERNATIONAL LTD         COMMON STOCK     902124106      293     4085 SH       DEFINED                3935        0
150
U.S. FILTER CORP               COMMON STOCK     911843209       31     1000 SH       DEFINED                1000        0        0
ULTRAMAR DIAMOND SHAMROCK CORP COMMON STOCK     904000106        1       25 SH       DEFINED                  25
0        0
UNION BANKSHARES CORP          COMMON STOCK     905399101       81     4400 SH       DEFINED                4400        0        0
UNION CAMP CORP                COMMON STOCK     905530101       40      600 SH       DEFINED                 600        0        0
UNION CARBIDE CORP             COMMON STOCK     905581104      235     5206 SH       DEFINED                5176        0       30
UNION PACIFIC CORP             COMMON STOCK     907818108       74     1380 SH       DEFINED                1380        0        0
UNION PACIFIC CORP             COMMON STOCK     907818108      149     2784 SH       OTHER                  2784        0        0
UNION PACIFIC RESOURCES INC.   COMMON STOCK     907834105       40     3406 SH       DEFINED                3406        0
0
UNION PACIFIC RESOURCES INC.   COMMON STOCK     907834105       33     2737 SH       OTHER                  2737        0
0
UNISOURCE WORLDWIDE INC        COMMON STOCK     909208100        7     1000 SH       DEFINED                1000        0
0
UNISOURCE WORLDWIDE INC        COMMON STOCK     909208100       12     1650 SH       OTHER                  1650        0        0
UNISYS CORP                    COMMON STOCK     909214108        3      102 SH       DEFINED                 102        0        0
UNITED TECHNOLOGIES            COMMON STOCK     913017109     1069     7895 SH       DEFINED                7695        0      200
UNITED TECHNOLOGIES            COMMON STOCK     913017109      163     1200 SH       OTHER                  1200        0        0
UNIVERSAL CORP VA              COMMON STOCK     913456109       51     2000 SH       DEFINED                2000        0        0
UNOCAL CORP                    COMMON STOCK     915289102       27      735 SH       DEFINED                 735        0        0
US BANCORP                     COMMON STOCK     902973106       20      594 SH       DEFINED                 594        0        0
US WEST INC                    COMMON STOCK     91273H101      416     7552 SH       DEFINED                6416        0     1136
US WEST INC                    COMMON STOCK     91273H101      137     2492 SH       OTHER                  2492        0        0
USA NETWORKS INC               COMMON STOCK     902984103        8      228 SH       DEFINED                   0        0      228
UST INC                        COMMON STOCK     902911106       52     2000 SH       DEFINED                2000        0        0
UST INC                        COMMON STOCK     902911106      379    14500 SH       OTHER                 14500        0        0
USX MARATHON GROUP             COMMON STOCK     902905827        7      250 SH       OTHER                   250        0        0
USX US STEEL GROUP             COMMON STOCK     90337T101        2      100 SH       DEFINED                 100        0        0
UTILCORP UNITED INC.           COMMON STOCK     918005109       10      450 SH       DEFINED                 450        0        0
V F CORP                       COMMON STOCK     918204108       13      275 SH       OTHER                     0        0      275
VALERO REFINING & MARKETING CO COMMON STOCK     91913Y100        0       16 SH       DEFINED                  16        0
  0
VENTAS INC                     COMMON STOCK     92276F100        6      935 SH       DEFINED                 935        0        0
VIACOM CL A                    COMMON STOCK     925524100        4      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       12      442 SH       DEFINED                 442        0        0
VIAD CORP                      COMMON STOCK     92552R109       17      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        1       40 SH       DEFINED                  40        0        0
WACHOVIA CORP                  COMMON STOCK     929771103     5604    69029 SH       DEFINED               65217      300     3512
WACHOVIA CORP                  COMMON STOCK     929771103      885    10904 SH       OTHER                 10404      350      150
WAL MART STORES INC            COMMON STOCK     931142103     1556    16880 SH       DEFINED               15350        0
1530
WAL MART STORES INC            COMMON STOCK     931142103      735     7975 SH       OTHER                  7025        0      950
WALT DISNEY COMPANY            COMMON STOCK     254687106      258     8288 SH       DEFINED                5188        0
3100
WALT DISNEY COMPANY            COMMON STOCK     254687106       52     1680 SH       OTHER                  1680        0        0
WARNER LAMBERT CO              COMMON STOCK     934488107      330     4980 SH       DEFINED                4380        0      600
WARNER LAMBERT CO              COMMON STOCK     934488107       66     1000 SH       OTHER                  1000        0        0
WASHINGTON GAS LIGHT CO        COMMON STOCK     938837101      691    30526 SH       DEFINED               28326        0
2200
WASHINGTON GAS LIGHT CO        COMMON STOCK     938837101      188     8300 SH       OTHER                  5700     2600
0
WASHINGTON POST CO CL B        COMMON STOCK     939640108      172      330 SH       DEFINED                 330        0        0
WASHINGTON SAVINGS BK FSB WALD COMMON STOCK     939696100        1      160 SH       OTHER                   160        0
   0
WASTE MANAGEMENT INC           COMMON STOCK     94106L109        5      108 SH       DEFINED                 108        0        0
WASTE MANAGEMENT INC           COMMON STOCK     94106L109       26      580 SH       OTHER                   580        0        0
WAXMAN INDUSTRIES              COMMON STOCK     944124106        0      450 SH       DEFINED                 450        0        0
WELLS FARGO COMPANY            COMMON STOCK     949746101      340     9690 SH       DEFINED                9190        0
500
WELLS FARGO COMPANY            COMMON STOCK     949746101       81     2300 SH       OTHER                  2300        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
WESTERN RESOURCES INC.         COMMON STOCK     959425109       24      900 SH       OTHER                   900        0        0
WESTVACO CORP                  COMMON STOCK     961548104      270    12855 SH       DEFINED               12855        0        0
WEYERHAEUSER CO                COMMON STOCK     962166104       55      992 SH       DEFINED                 992        0        0
WHITMAN CORP.                  COMMON STOCK     96647K102       17     1000 SH       DEFINED                1000        0        0
WILLIAMS SONOMA INC            COMMON STOCK     969904101       34     1200 SH       DEFINED                1200        0        0
WILMINGTON TRUST CORP          COMMON STOCK     971807102      370     6480 SH       OTHER                  6480        0        0
WINN DIXIE STORES INC          COMMON STOCK     974280109      143     3818 SH       DEFINED                3818        0        0
WINNEBAGO INDUSTRIES INC       COMMON STOCK     974637100        7      500 SH       OTHER                   500        0        0
WISCONSIN ENERGY CORP          COMMON STOCK     976657106       40     1524 SH       DEFINED                 750        0      774
WISCONSIN ENERGY CORP          COMMON STOCK     976657106       21      797 SH       OTHER                   797        0        0
WITCO CORP                     COMMON STOCK     977385103       28     2250 SH       DEFINED                2250        0        0
WMS INDUSTRIES                 COMMON STOCK     929297109        4      500 SH       DEFINED                 500        0        0
XEROX CORP                     COMMON STOCK     984121103       28      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    17842   198523 SH       DEFINED              198523        0        0
AEGON N.V. ADR                 COMMON STOCK     007924103       86      958 SH       OTHER                   958        0        0
ALCATEL SA                     COMMON STOCK     013904305        5      200 SH       DEFINED                 200        0        0
BARRICK GOLD CORP              COMMON STOCK     067901108        2      146 SH       DEFINED                 146        0        0
BP AMOCO PLC                   COMMON STOCK     055622104     2665    26387 SH       DEFINED               25491        0      896
BP AMOCO PLC                   COMMON STOCK     055622104      390     3866 SH       OTHER                  2874      595      397
DE BEERS CONS MINES LTD ADR    COMMON STOCK     240253302       57     3000 SH       OTHER                  3000        0
0
DIAGEO PLC SPONSORED ADR (NEW) COMMON STOCK     25243Q205       20      432 SH       DEFINED                 432        0
   0
DRIEFONTEIN CONSOLIDATED ADR   COMMON STOCK     262026503        1      200 SH       DEFINED                 200        0
 0
ECHO BAY MINES LTD             COMMON STOCK     278751102        9     5332 SH       OTHER                  5332        0        0
EDPERBRASCAN CORP CL A         COMMON STOCK     280905803       36     3000 SH       OTHER                  3000        0        0
ENDESA S.A. ADR                COMMON STOCK     29258N107       40     1600 SH       OTHER                  1600        0        0
ERICSSON L M TEL CO ADR CL B   COMMON STOCK     294821400       10      400 SH       DEFINED                   0        0      400
GALLAHER GROUP PLC ADR         COMMON STOCK     363595109      146     6219 SH       DEFINED                6219        0
0
GALLAHER GROUP PLC ADR         COMMON STOCK     363595109       52     2200 SH       OTHER                  2200        0        0
GLAXO WELCOME PLC ADR          COMMON STOCK     37733W105       13      200 SH       DEFINED                 200        0        0
GLAXO WELCOME PLC ADR          COMMON STOCK     37733W105      114     1700 SH       OTHER                  1700        0
0
HANSON PLC-SPONSORED ADR       COMMON STOCK     411352404        1       12 SH       OTHER                    12        0        0
HONG KONG TELECOMMUNICATIONS A COMMON STOCK     438579203        9      450 SH       DEFINED                 450
0        0
IMPERIAL TOBACCO GROUP ADR     COMMON STOCK     453142101        1       25 SH       OTHER                    25        0        0
NISSAN MTR LTD-SPON ADR        COMMON STOCK     654744408        4      500 SH       DEFINED                 500        0        0
NORTHERN TELECOM LTD           COMMON STOCK     665815106       87     1400 SH       DEFINED                1400        0        0
POTASH CORP                    COMMON STOCK     73755L107       15      275 SH       DEFINED                 200        0       75
POTASH CORP                    COMMON STOCK     73755L107       33      616 SH       OTHER                   616        0        0
REUTERS GROUP PLC SPONSORED AD COMMON STOCK     76132M102        9      104 SH       OTHER                   104        0
   0
ROYAL DUTCH PETE CO            COMMON STOCK     780257804      411     7900 SH       DEFINED                7900        0        0
ROYAL DUTCH PETE CO            COMMON STOCK     780257804      295     5680 SH       OTHER                  5680        0        0
SEAGRAM LTD                    COMMON STOCK     811850106       10      200 SH       DEFINED                 200        0        0
SEAGRAM LTD                    COMMON STOCK     811850106      200     4000 SH       OTHER                  4000        0        0
SHELL TRANS & TRADING PLC ADR  COMMON STOCK     822703609       24      600 SH       DEFINED                 600        0
 0
SMITHKLINE BEECHAM PLC ADR     COMMON STOCK     832378301       29      400 SH       DEFINED                 400        0
0
TELEFONICA S A ADR             COMMON STOCK     879382208       39      306 SH       OTHER                   306        0        0
TELEFONOS DE MEXICO-CL L ADR   COMMON STOCK     879403780       13      200 SH       OTHER                   200        0
0
UNILEVER N.V. ADR              COMMON STOCK     904784501      410     6175 SH       DEFINED                6175        0        0
UNILEVER N.V. ADR              COMMON STOCK     904784501       40      600 SH       OTHER                   600        0        0
NATIONAL AUSTRALIA BANK 7.875% PREFERRED STOCK  632525309       13      400 SH       DEFINED             N.A.     N.A.
 N.A.
UNISYS CORP PFD A CV $3.75     PREFERRED STOCK  909214207       11      207 SH       DEFINED             N.A.     N.A.     N.A.
KELLEY OIL & GAS PTNRS   8.5%  OTHER            487736AA8        3    10000 PRN      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
CHARLES E SMITH RESIDENTIAL RL OTHER            832197107       31     1000 SH       DEFINED                1000        0        0
FEDERAL REALTY INVT TR SH BEN  OTHER            313747206        6      300 SH       DEFINED                 300        0        0
FEDERAL REALTY INVT TR SH BEN  OTHER            313747206       12      564 SH       OTHER                   564        0        0
FIRST WASHINGTON REALTY TRUST  OTHER            337489504       27     1250 SH       OTHER                  1250        0        0
HEALTH CARE REIT INC           OTHER            42217K106       43     2011 SH       DEFINED                2011        0        0
HOST MARRIOTT CORP (NEW)       OTHER            44107P104      194    17408 SH       DEFINED               17128        0      280
HOST MARRIOTT CORP (NEW)       OTHER            44107P104       37     3315 SH       OTHER                  3315        0        0
HRPT PROPERTIES TRUST          OTHER            40426W101       14     1000 SH       DEFINED                1000        0        0
HRPT PROPERTIES TRUST          OTHER            40426W101        5      400 SH       OTHER                   400        0        0
JDN REALTY CORP                OTHER            465917102        7      375 SH       DEFINED                 375        0        0
MEDITRUST CORP                 OTHER            58501T306       17     1329 SH       DEFINED                1329        0        0
MID-ATLANTIC REALTY TRUST      OTHER            595232109       10     1000 SH       OTHER                  1000        0        0
PENNSYLVANIA REAL ESTATE INV T OTHER            709102107       25     1350 SH       OTHER                     0     1350        0
PITTSBURGH & W VA RR           OTHER            724819107        7      800 SH       DEFINED                 800        0        0
REALTY INCOME CORP             OTHER            756109104       13      597 SH       OTHER                   597        0        0
SAUL CENTERS                   OTHER            804395101       51     3500 SH       DEFINED                3500        0        0
UNITED DOMINION REALTY         OTHER            910197102       59     5800 SH       DEFINED                3800        0     2000
WASHINGTON REAL ESTATE INV TRU OTHER            939653101      121     7425 SH       DEFINED                7425        0        0
WASHINGTON REAL ESTATE INV TRU OTHER            939653101      188    11512 SH       OTHER                  3512     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       51     1875 SH       DEFINED             N.A.     N.A.     N.A.
ADAMS EXPRESS CO               OTHER            006212104       18      655 SH       OTHER               N.A.     N.A.     N.A.
BANCROFT CONVERTIBLE FUND      OTHER            059695106       14      604 SH       DEFINED             N.A.     N.A.     N.A.
BANCROFT CONVERTIBLE FUND      OTHER            059695106       39     1721 SH       OTHER               N.A.     N.A.     N.A.
BLACKROCK INVT QUALITY TERM TR OTHER            09247J102       26     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       65     6038 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 AUSTRALIA PRIME INCOME F OTHER            318653102        4      600 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       29     3200 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       13      942 SH       DEFINED             N.A.     N.A.     N.A.
INVESCO GLOBAL HEALTH SCIENCES OTHER            46128N109       19     1000 SH       DEFINED             N.A.     N.A.
N.A.
JOHN HANCOCK INVESTORS TRUST   OTHER            410142103        3      152 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.
MEXICO FUND INC                OTHER            592835102       55     3616 SH       OTHER               N.A.     N.A.     N.A.
MFS GOVT MKTS INC TR SH BEN IN OTHER            552939100       11     1726 SH       DEFINED             N.A.     N.A.     N.A.
MFS INTERMEDIATE INCOME TRUST  OTHER            55273C107        3      500 SH       DEFINED             N.A.     N.A.     N.A.
MFS MULTIMARKET INCOME TRUST   OTHER            552737108       12     1900 SH       DEFINED             N.A.     N.A.     N.A.
NEW GERMANY FD INC             OTHER            644465106       12     1000 SH       OTHER               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.
TEMPLETON DRAGON FUND INC      OTHER            88018T101        8     1000 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       20     2458 SH       DEFINED             N.A.     N.A.     N.A.
1838 BD-DEB TRADING FD         OTHER            282520105       41     1981 SH       OTHER               N.A.     N.A.     N.A.
BLACKROCK MUNI TARGET TERM TRU OTHER            09247M105       33     2972 SH       OTHER               N.A.     N.A.
N.A.
COLONIAL HIGH INCOME MUN. TRUS OTHER            195743109       24     2820 SH       DEFINED             N.A.     N.A.     N.A.
DREYFUS STRATEGIC MUNS INC     OTHER            261932107       56     5897 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STANLEY DW INS MUNI BD  OTHER            61745P817        8      500 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STANLEY DW INS MUNI SEC OTHER            61745P833       10      667 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STANLEY DW QUALITY MUN  OTHER            61745P668        8      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       42     2599 SH       DEFINED             N.A.     N.A.
N.A.
NUVEEN MD PREM INCOME MUN FD   OTHER            67061Q107       21     1353 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNICIPAL ADVANTAGE FUN OTHER            67062H106       22     1300 SH       DEFINED             N.A.     N.A.
N.A.
NUVEEN MUNICIPAL VALUE FUND IN OTHER            670928100       34     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       51     3350 SH       DEFINED             N.A.     N.A.
N.A.
NUVEEN PREMIER INSD MUNI INCOM OTHER            670987106       10      601 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PREMIUM INCOME MUNICIPA OTHER            6706K4105       47     3195 SH       DEFINED             N.A.     N.A.
N.A.
NUVEEN PREMIUM INCOME MUNICIPA OTHER            67062T100       60     4000 SH       DEFINED             N.A.     N.A.
N.A.
NUVEEN SELECT QUALITY MUN FD I OTHER            670973106       20     1300 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN SELECT TAX-FREE INCOME  OTHER            67063C106       25     1575 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN VA PREM INCOME MUN FD   OTHER            67064R102       72     4335 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN VA PREM INCOME MUN FD   OTHER            67064R102       81     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       17     1000 SH       DEFINED             N.A.     N.A.
N.A.
EIF UIT 1ST EXCH SER AT&T SHRS OTHER            294700703       74      420 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        3     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       35     1524 SH       DEFINED             N.A.     N.A.     N.A.
NEWHALL LAND AND FARMING CO LP OTHER            651426108       96     4000 SH       OTHER               N.A.     N.A.     N.A.
</TABLE>


© 2022 IncJournal is not affiliated with or endorsed by the U.S. Securities and Exchange Commission