FIRST VIRGINIA BANK
13F-HR, 2000-08-21
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                            UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C.  20549

                                    FORM 13F

                               FORM 13F COVER PAGE

REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 6/30/00

CHECK HERE IF AMENDMENT ( ); AMENDMENT NUMBER:
THIS AMENDMENT (CHECK ONLY ONE.):  ( ) IS A RESTATEMENT.
                                   ( ) ADDS NEW HOLDINGS ENTRIES

INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT:

NAME:    First Virginia Bank
ADDRESS: Room 840
         6400 Arlington Blvd
         Falls Church, VA 22042

THE INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT AND THE
PERSON BY WHOM IT IS SIGNED HEREBY REPRESENT THAT THE PERSON
SIGNING THE REPORT IS AUTHORIZED TO SUBMIT IT, THAT ALL
INFORMATION CONTAINED HEREIN IS TRUE, CORRECT AND COMPLETE, AND
THAT IT IS UNDERSTOOD THAT ALL REQUIRED ITEMS, STATEMENTS
SCHEDULES, LISTS, AND TABLES, ARE CONSIDERED INTEGRAL PARTS OF
THIS FORM.


PERSON SIGNING THIS REPORT ON BEHALF OF REPORTING MANAGER:

NAME:     Mary Turner
TITLE:    Trust Operations
PHONE:    (703)533-6250
SIGNATURE,PLACE,AND DATE OF SIGNING:

    Mary Turner                    Falls Church, VA         7/4/00


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:    858

FORM 13F INFORMATION TABLE VALUE TOTAL:             $422,194
<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        5      430 SH       OTHER                   430        0        0
ABBOTT LABS                    COMMON STOCK     002824100     1873    42032 SH       DEFINED               39582        0     2450
ABBOTT LABS                    COMMON STOCK     002824100     1301    29190 SH       OTHER                 28990        0      200
ABERCROMBIE & FITCH CL A       COMMON STOCK     002896207       17     1400 SH       DEFINED                1400        0        0
ADAMS RESOURCES & ENERGY       COMMON STOCK     006351308        5      406 SH       DEFINED                 406        0        0
ADC TELECOMMUNICATIONS INC     COMMON STOCK     000886101       65      780 SH       OTHER                   780        0        0
AES CORP                       COMMON STOCK     00130H105       23      500 SH       DEFINED                 500        0        0
AETNA INC.                     COMMON STOCK     008117103       51      800 SH       DEFINED                 800        0        0
AETNA INC.                     COMMON STOCK     008117103       51      800 SH       OTHER                   800        0        0
AFFILIATED COMPUTER SVCS-A     COMMON STOCK     008190100        7      200 SH       OTHER                     0      200        0
AFLAC INC                      COMMON STOCK     001055102      303     6600 SH       DEFINED                6600        0        0
AGILENT TECHNOLOGIES INC       COMMON STOCK     00846U101      180     2447 SH       DEFINED                2409        0       38
AGILENT TECHNOLOGIES INC       COMMON STOCK     00846U101      208     2820 SH       OTHER                  2820        0        0
AGL RESOURCES, INC.            COMMON STOCK     001204106        5      296 SH       OTHER                   296        0        0
ALBERTSONS INC                 COMMON STOCK     013104104      266     8000 SH       DEFINED                8000        0        0
ALBERTSONS INC                 COMMON STOCK     013104104      131     3925 SH       OTHER                  3925        0        0
ALCOA INC                      COMMON STOCK     013817101      689    23770 SH       DEFINED               21620        0     2150
ALCOA INC                      COMMON STOCK     013817101       41     1400 SH       OTHER                  1400        0        0
ALLEGHENY ENERGY, INC          COMMON STOCK     017361106       11      400 SH       OTHER                   400        0        0
ALLEGHENY TECHNOLOGIES INC     COMMON STOCK     01741R102        3      158 SH       OTHER                   158        0        0
ALLIANT ENERGY CORP            COMMON STOCK     018802108       20      758 SH       DEFINED                 758        0        0
ALLIANT ENERGY CORP            COMMON STOCK     018802108       10      397 SH       OTHER                   397        0        0
ALLIANT TECHSYSTEMS INC        COMMON STOCK     018804104        5       75 SH       DEFINED                  75        0        0
ALLIANT TECHSYSTEMS INC        COMMON STOCK     018804104        3       50 SH       OTHER                    50        0        0
ALLIED CAPITAL CORP (NEW)      COMMON STOCK     01903Q108       11      640 SH       OTHER                   640        0        0
ALLMERICA FINANCIAL CORP       COMMON STOCK     019754100       13      248 SH       DEFINED                   0        0      248
ALLMERICA FINANCIAL CORP       COMMON STOCK     019754100       23      445 SH       OTHER                   445        0        0
ALLMERICA SECURITIES TRUST     COMMON STOCK     019921105        7      700 SH       DEFINED                 700        0        0
ALLMERICA SECURITIES TRUST     COMMON STOCK     019921105        2      200 SH       OTHER                   200        0        0
ALLSTATE CORP                  COMMON STOCK     020002101      225    10104 SH       DEFINED                6768        0     3336
ALLSTATE CORP                  COMMON STOCK     020002101       39     1740 SH       OTHER                  1000      740        0
ALLTEL CORP                    COMMON STOCK     020039103       46      736 SH       DEFINED                 736        0        0
ALLTEL CORP                    COMMON STOCK     020039103        6       92 SH       OTHER                    92        0        0
ALZA CORP                      COMMON STOCK     022615108       35      600 SH       DEFINED                 600        0        0
AMERADA HESS CORP              COMMON STOCK     023551104       40      648 SH       DEFINED                 648        0        0
AMEREN CORP                    COMMON STOCK     023608102        3      100 SH       DEFINED                 100        0        0
AMEREN CORP                    COMMON STOCK     023608102        7      206 SH       OTHER                   206        0        0
AMERICA ONLINE INC             COMMON STOCK     02364J104      398     7550 SH       DEFINED                6350        0     1200
AMERICA ONLINE INC             COMMON STOCK     02364J104       50      950 SH       OTHER                   750      200        0
AMERICAN CAPITAL STRATEGIES LT COMMON STOCK     024937104       12      500 SH       OTHER                   500        0        0
AMERICAN ELECTRIC POWER        COMMON STOCK     025537101      203     6858 SH       DEFINED                6858        0        0
AMERICAN ELECTRIC POWER        COMMON STOCK     025537101      222     7478 SH       OTHER                  7478        0        0
AMERICAN EXPRESS CO            COMMON STOCK     025816109     1238    23752 SH       DEFINED               22942        0      810
AMERICAN EXPRESS CO            COMMON STOCK     025816109       23      450 SH       OTHER                   250      200        0
AMERICAN GENERAL CORP          COMMON STOCK     026351106      386     6324 SH       DEFINED                6304        0       20
AMERICAN HOME PRODS CP         COMMON STOCK     026609107     3740    63655 SH       DEFINED               61055        0     2600
AMERICAN HOME PRODS CP         COMMON STOCK     026609107     1015    17270 SH       OTHER                 13550     2120     1600
AMERICAN INTERNATIONAL GROUP   COMMON STOCK     026874107     4473    38072 SH       DEFINED               34965        0     3107
AMERICAN INTERNATIONAL GROUP   COMMON STOCK     026874107     1942    16530 SH       OTHER                 16530        0        0
AMERICAN SCIENCE & ENGINEERING COMMON STOCK     029429107      212    38500 SH       DEFINED               38500        0        0
AMERICAN WATER WORKS           COMMON STOCK     030411102       15      600 SH       OTHER                   400      200        0
AMGEN INC                      COMMON STOCK     031162100       91     1300 SH       DEFINED                1200        0      100
AMSOUTH BANCORPORATION         COMMON STOCK     032165102       27     1718 SH       OTHER                  1718        0        0
ANHEUSER BUSCH COS INC         COMMON STOCK     035229103     1186    15875 SH       DEFINED               15475        0      400
ANHEUSER BUSCH COS INC         COMMON STOCK     035229103      164     2200 SH       OTHER                  2200        0        0
ANNAPOLIS NATIONAL BANCORP     COMMON STOCK     035848100        4     1000 SH       DEFINED                1000        0        0
AON CORP                       COMMON STOCK     037389103       47     1500 SH       DEFINED                1500        0        0
APPLE COMPUTER INC             COMMON STOCK     037833100       21      400 SH       OTHER                   400        0        0
APPLIED MATERIALS              COMMON STOCK     038222105     3461    38190 SH       DEFINED               36640        0     1550
APPLIED MATERIALS              COMMON STOCK     038222105      614     6775 SH       OTHER                  5375      400     1000
ARCHER DANIELS MIDLAND         COMMON STOCK     039483102       15     1541 SH       DEFINED                1541        0        0
ARGONAUT GROUP INC             COMMON STOCK     040157109        2       99 SH       OTHER                    99        0        0
ARMSTRONG HOLDINGS INC         COMMON STOCK     042384107        4      250 SH       OTHER                   250        0        0
ASSOCIATES FIRST CAPITAL CL A  COMMON STOCK     046008108       17      746 SH       DEFINED                 474        0      272
ASSOCIATES FIRST CAPITAL CL A  COMMON STOCK     046008108       74     3310 SH       OTHER                  3310        0        0
AT&T CORP.                     COMMON STOCK     001957109     2201    69586 SH       DEFINED               64305      300     4981
AT&T CORP.                     COMMON STOCK     001957109      811    25646 SH       OTHER                 24146      750      750
ATLANTIC FINANCIAL             COMMON STOCK     04853R100       13     1033 SH       DEFINED                1033        0        0
ATRION CORP                    COMMON STOCK     049904105       38     3067 SH       DEFINED                3067        0        0
AUTOLIV INC                    COMMON STOCK     052800109        7      306 SH       DEFINED                 306        0        0
AUTOMATIC DATA PROCESSING      COMMON STOCK     053015103     4612    86111 SH       DEFINED               80411        0     5700
AUTOMATIC DATA PROCESSING      COMMON STOCK     053015103     1058    19759 SH       OTHER                 17159     1800      800
AVON PRODS INC                 COMMON STOCK     054303102       18      400 SH       OTHER                   400        0        0
AXA FINANCIAL INC              COMMON STOCK     002451102        2       65 SH       DEFINED                  65        0        0
AZURIX CORP                    COMMON STOCK     05501M104        2      300 SH       OTHER                   300        0        0
B.I. INC                       COMMON STOCK     055467203        3      500 SH       DEFINED                 500        0        0
BANK NEW YORK INC              COMMON STOCK     064057102      116     2500 SH       DEFINED                2500        0        0
BANK OF AMERICA CORP           COMMON STOCK     060505104     1368    31817 SH       DEFINED               17302        0    14515
BANK OF AMERICA CORP           COMMON STOCK     060505104       56     1304 SH       OTHER                  1304        0        0
BANK ONE CORP                  COMMON STOCK     06423A103      210     7917 SH       DEFINED                6808        0     1109
BANK ONE CORP                  COMMON STOCK     06423A103       87     3264 SH       OTHER                  3264        0        0
BATTLE MOUNTAIN GOLD CO.       COMMON STOCK     071593107        0      100 SH       DEFINED                 100        0        0
BAXTER INTERNATIONAL INC.      COMMON STOCK     071813109      422     6008 SH       DEFINED                3208      400     2400
BAXTER INTERNATIONAL INC.      COMMON STOCK     071813109      176     2500 SH       OTHER                  2500        0        0
BB&T CORPORATION               COMMON STOCK     054937107      318    13300 SH       DEFINED               13300        0        0
BB&T CORPORATION               COMMON STOCK     054937107      138     5768 SH       OTHER                  5768        0        0
BEAR STEARNS COS INC           COMMON STOCK     073902108       41      992 SH       DEFINED                 992        0        0
BECTON DICKINSON & CO          COMMON STOCK     075887109       11      400 SH       OTHER                   400        0        0
BELL ATLANTIC CORP             COMMON STOCK     077853109     5959   117272 SH       DEFINED              109355        0     7917
BELL ATLANTIC CORP             COMMON STOCK     077853109     1257    24729 SH       OTHER                 23429     1200      100
BELLSOUTH CORP                 COMMON STOCK     079860102     5741   134679 SH       DEFINED              117252     1600    15827
BELLSOUTH CORP                 COMMON STOCK     079860102      914    21432 SH       OTHER                 21432        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       44       25 SH       DEFINED                  25        0        0
BERKSHIRE HATHAWAY INC-CL B    COMMON STOCK     084670207       37       21 SH       OTHER                    21        0        0
BEST BUY INC                   COMMON STOCK     086516101       25      400 SH       DEFINED                 400        0        0
BESTFOODS                      COMMON STOCK     08658U101      834    12045 SH       DEFINED               10545        0     1500
BESTFOODS                      COMMON STOCK     08658U101      439     6334 SH       OTHER                  5634        0      700
BIG CITY RADIO INC             COMMON STOCK     089098107        1      200 SH       DEFINED                 200        0        0
BJ'S WHOLESALE CLUB            COMMON STOCK     05548J106       31      950 SH       OTHER                   950        0        0
BOB EVANS FARMS                COMMON STOCK     096761101        2      150 SH       OTHER                     0      150        0
BOEING CO                      COMMON STOCK     097023105      197     4700 SH       DEFINED                4700        0        0
BOEING CO                      COMMON STOCK     097023105       69     1641 SH       OTHER                  1641        0        0
BOISE CASCADE CORP.            COMMON STOCK     097383103       13      500 SH       DEFINED                 500        0        0
BRISTOL-MYERS SQUIBB CO.       COMMON STOCK     110122108     4252    72991 SH       DEFINED               67866     2200     2925
BRISTOL-MYERS SQUIBB CO.       COMMON STOCK     110122108      878    15080 SH       OTHER                 14580      100      400
BROADWING INC                  COMMON STOCK     111620100      112     4300 SH       DEFINED                3350        0      950
BROADWING INC                  COMMON STOCK     111620100       34     1300 SH       OTHER                  1300        0        0
BROOKTROUT INC                 COMMON STOCK     114580103       49     2250 SH       DEFINED                2250        0        0
BRUNSWICK CORP                 COMMON STOCK     117043109       49     2970 SH       DEFINED                2970        0        0
BT FINANCIAL CORP              COMMON STOCK     055763106        7      420 SH       DEFINED                 420        0        0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK     12189T104      305    13305 SH       DEFINED               12325        0      980
BURLINGTON NORTHERN SANTA FE C COMMON STOCK     12189T104       78     3421 SH       OTHER                  3421        0        0
BURLINGTON RES INC             COMMON STOCK     122014103       13      348 SH       DEFINED                 348        0        0
CAMPBELL SOUP CO               COMMON STOCK     134429109       20      700 SH       DEFINED                 700        0        0
CAMPBELL SOUP CO               COMMON STOCK     134429109      148     5074 SH       OTHER                  3474     1600        0
CAPITAL ONE FINANCIAL CORP     COMMON STOCK     14040H105      593    13281 SH       DEFINED                4050        0     9231
CAPITAL ONE FINANCIAL CORP     COMMON STOCK     14040H105       47     1060 SH       OTHER                  1060        0        0
CAPITAL TRUST-CL A             COMMON STOCK     14052H100        1      300 SH       OTHER                   300        0        0
CARDINAL HEALTH INC            COMMON STOCK     14149Y108      146     1971 SH       DEFINED                1374        0      597
CAREMARK RX INC                COMMON STOCK     141705103        6      937 SH       DEFINED                 484        0      453
CARNIVAL CORP                  COMMON STOCK     143658102      310    15900 SH       DEFINED               14750        0     1150
CARNIVAL CORP                  COMMON STOCK     143658102       27     1400 SH       OTHER                  1000        0      400
CATERPILLAR, INC               COMMON STOCK     149123101       35     1026 SH       DEFINED                1026        0        0
CATERPILLAR, INC               COMMON STOCK     149123101       48     1405 SH       OTHER                  1405        0        0
CENDANT CORPORATION            COMMON STOCK     151313103       11      792 SH       DEFINED                 792        0        0
CENTURA BANKS                  COMMON STOCK     15640T100       53     1571 SH       OTHER                  1571        0        0
CFW COMMUNICATIONS CO          COMMON STOCK     124923103     1200    32000 SH       DEFINED                   0        0    32000
CHALONE WINE GROUP LTD         COMMON STOCK     157639105        1      100 SH       DEFINED                   0        0      100
CHARLES SCHWAB CORP            COMMON STOCK     808513105     1071    31861 SH       DEFINED               29624        0     2237
CHARLES SCHWAB CORP            COMMON STOCK     808513105       55     1649 SH       OTHER                  1649        0        0
CHASE MANHATTAN CORP (NEW)     COMMON STOCK     16161A108      146     3180 SH       DEFINED                2220        0      960
CHASE MANHATTAN CORP (NEW)     COMMON STOCK     16161A108       14      300 SH       OTHER                   300        0        0
CHEMED CORP                    COMMON STOCK     163596109        6      200 SH       DEFINED                 200        0        0
CHESAPEAKE CORP                COMMON STOCK     165159104       39     1300 SH       DEFINED                1300        0        0
CHESAPEAKE CORP                COMMON STOCK     165159104       24      800 SH       OTHER                   800        0        0
CHEVRON CORPORATION            COMMON STOCK     166751107     1520    17927 SH       DEFINED               16602        0     1325
CHEVRON CORPORATION            COMMON STOCK     166751107      657     7746 SH       OTHER                  7646        0      100
CHIRON CORP                    COMMON STOCK     170040109       14      300 SH       OTHER                   300        0        0
CHOICEPOINT INC                COMMON STOCK     170388102        4      100 SH       DEFINED                 100        0        0
CHOICEPOINT INC                COMMON STOCK     170388102        8      180 SH       OTHER                   180        0        0
CHUBB CORP                     COMMON STOCK     171232101       98     1600 SH       DEFINED                1600        0        0
CHUBB CORP                     COMMON STOCK     171232101       29      470 SH       OTHER                   470        0        0
CHURCHILL DOWNS INC            COMMON STOCK     171484108        2      100 SH       DEFINED                 100        0        0
CINERGY CORP                   COMMON STOCK     172474108      104     4100 SH       DEFINED                3600        0      500
CINERGY CORP                   COMMON STOCK     172474108      105     4121 SH       OTHER                  4121        0        0
CIRCUIT CITY GROUP             COMMON STOCK     172737108      599    18050 SH       DEFINED                7550        0    10500
CIRCUIT CITY GROUP             COMMON STOCK     172737108       60     1800 SH       OTHER                  1500      300        0
CISCO SYSTEMS INC              COMMON STOCK     17275R102     7299   114832 SH       DEFINED              109132        0     5700
CISCO SYSTEMS INC              COMMON STOCK     17275R102     1808    28448 SH       OTHER                 25900     1200     1348
CITIGROUP INC.                 COMMON STOCK     172967101      171     2841 SH       DEFINED                2616        0      225
CITIGROUP INC.                 COMMON STOCK     172967101      469     7789 SH       OTHER                  5992     1797        0
CITIZENS COMMUNICATIONS CO     COMMON STOCK     17453B101      117     6791 SH       OTHER                     0     6791        0
CITY INVESTING CO LIQ TR       COMMON STOCK     177900107        0      210 SH       DEFINED                 210        0        0
CLARCOR INC                    COMMON STOCK     179895107      109     5500 SH       DEFINED                5500        0        0
CLAYTON HOMES INC              COMMON STOCK     184190106        8      950 SH       OTHER                   950        0        0
CLEAR CHANNEL COMMUNICATIONS   COMMON STOCK     184502102        8      100 SH       OTHER                   100        0        0
CLECO CORPORATION              COMMON STOCK     12561W105       22      664 SH       DEFINED                 664        0        0
CLOROX CO                      COMMON STOCK     189054109      726    16200 SH       DEFINED               15300        0      900
CLOROX CO                      COMMON STOCK     189054109      262     5850 SH       OTHER                  5850        0        0
CNF TRANSPORTATION INC         COMMON STOCK     12612W104       15      640 SH       DEFINED                 525        0      115
COASTAL CORP                   COMMON STOCK     190441105        7      110 SH       DEFINED                 110        0        0
COCA COLA BOTTLING CO CONSOL   COMMON STOCK     191098102        5      110 SH       OTHER                     0      110        0
COCA COLA CO                   COMMON STOCK     191216100     3196    55641 SH       DEFINED               51256     1600     2785
COCA COLA CO                   COMMON STOCK     191216100     1155    20102 SH       OTHER                 19300      400      402
COLGATE PALMOLIVE CO           COMMON STOCK     194162103      192     3200 SH       DEFINED                3200        0        0
COLGATE PALMOLIVE CO           COMMON STOCK     194162103      232     3870 SH       OTHER                  3870        0        0
COLUMBIA ENERGY GROUP          COMMON STOCK     197648108       33      502 SH       OTHER                   352      150        0
COMCAST CORP SPECIAL-CLASS A   COMMON STOCK     200300200       36      900 SH       DEFINED                   0        0      900
COMCAST CORP-CL A              COMMON STOCK     200300101        4      100 SH       DEFINED                   0        0      100
COMERICA INC                   COMMON STOCK     200340107       31      700 SH       DEFINED                 700        0        0
COMPAQ COMPUTER CORP           COMMON STOCK     204493100       82     3200 SH       DEFINED                3200        0        0
COMVERSE TECHNOLOGY INC        COMMON STOCK     205862402      178     1910 SH       DEFINED                1910        0        0
CONAGRA INC                    COMMON STOCK     205887102        7      360 SH       OTHER                   360        0        0
CONECTIV, INC.                 COMMON STOCK     206829103       78     5000 SH       DEFINED                4500        0      500
CONECTIV, INC.                 COMMON STOCK     206829103       12      750 SH       OTHER                     0        0      750
CONEXANT SYSTEMS               COMMON STOCK     207142100      112     2300 SH       DEFINED                 700        0     1600
CONEXANT SYSTEMS               COMMON STOCK     207142100       39      800 SH       OTHER                   800        0        0
CONSOLIDATED EDISON INC        COMMON STOCK     209115104      111     3763 SH       DEFINED                1295        0     2468
CONSOLIDATED EDISON INC        COMMON STOCK     209115104       33     1108 SH       OTHER                  1108        0        0
CONSOLIDATED GRAPHICS INC      COMMON STOCK     209341106       25     2636 SH       DEFINED                2636        0        0
CONSTELLATION ENERGY GROUP     COMMON STOCK     210371100      735    22573 SH       DEFINED               22173        0      400
CONSTELLATION ENERGY GROUP     COMMON STOCK     210371100      431    13242 SH       OTHER                 10942      300     2000
CONVERGYS CORP                 COMMON STOCK     212485106       16      300 SH       DEFINED                 100        0      200
CONVERGYS CORP                 COMMON STOCK     212485106       67     1300 SH       OTHER                  1300        0        0
COOPER CAMERON CORP            COMMON STOCK     216640102       18      278 SH       DEFINED                 278        0        0
COOPER INDUSTRIES INC          COMMON STOCK     216669101        5      160 SH       DEFINED                 160        0        0
CORN PRODUCTS INTERNATIONAL    COMMON STOCK     219023108        7      250 SH       OTHER                   250        0        0
CORNING INC                    COMMON STOCK     219350105      506     1875 SH       DEFINED                1775        0      100
CORNING INC                    COMMON STOCK     219350105      108      400 SH       OTHER                   400        0        0
COVANCE INC                    COMMON STOCK     222816100        1      100 SH       DEFINED                 100        0        0
COX COMMUNICATIONS INC-CL A    COMMON STOCK     224044107        5      100 SH       DEFINED                 100        0        0
CRESTLINE CAPITAL              COMMON STOCK     226153104       27     1592 SH       DEFINED                1592        0        0
CRESTLINE CAPITAL              COMMON STOCK     226153104       17     1007 SH       OTHER                  1007        0        0
CROMPTON CORPORATION           COMMON STOCK     227116100       14     1154 SH       DEFINED                1154        0        0
CROWN CORK & SEAL INC          COMMON STOCK     228255105        4      263 SH       OTHER                   263        0        0
CSX CORP                       COMMON STOCK     126408103      331    15619 SH       DEFINED               15119        0      500
CSX CORP                       COMMON STOCK     126408103       83     3912 SH       OTHER                  3712      200        0
CUBIST PHARMACEUTICALS INC     COMMON STOCK     229678107       25      500 SH       DEFINED                   0        0      500
CVS CORP                       COMMON STOCK     126650100       36      900 SH       OTHER                   900        0        0
CYTOGEN CORP                   COMMON STOCK     232824102        5      500 SH       DEFINED                 500        0        0
DAIMLERCHRYSLER AG             COMMON STOCK     D1668R123       16      311 SH       DEFINED                 311        0        0
DAIMLERCHRYSLER AG             COMMON STOCK     D1668R123        4       72 SH       OTHER                    72        0        0
DANA CORP                      COMMON STOCK     235811106       32     1522 SH       DEFINED                1522        0        0
DARDEN RESTAURANTS INC         COMMON STOCK     237194105       17     1037 SH       DEFINED                1037        0        0
DARDEN RESTAURANTS INC         COMMON STOCK     237194105       23     1404 SH       OTHER                  1404        0        0
DATASCOPE CORP                 COMMON STOCK     238113104      115     3200 SH       DEFINED                   0        0     3200
DEERE & CO                     COMMON STOCK     244199105       11      300 SH       DEFINED                 300        0        0
DEERE & CO                     COMMON STOCK     244199105       52     1400 SH       OTHER                  1400        0        0
DEL MONTE FOODS CO             COMMON STOCK     24522P103        7     1000 SH       OTHER                  1000        0        0
DELHAIZE AMERICA INC -A        COMMON STOCK     246688105        1       50 SH       DEFINED                  50        0        0
DELPHI AUTOMOTIVE SYS CORP     COMMON STOCK     247126105      247    16952 SH       DEFINED               16285        0      667
DELPHI AUTOMOTIVE SYS CORP     COMMON STOCK     247126105       33     2290 SH       OTHER                  2290        0        0
DELTA AIRLINES, INC.           COMMON STOCK     247361108       30      600 SH       OTHER                   600        0        0
DELUXE CORP                    COMMON STOCK     248019101       19      800 SH       DEFINED                   0        0      800
DELUXE CORP                    COMMON STOCK     248019101       24     1000 SH       OTHER                  1000        0        0
DEVON ENERGY CORPORATIOIN NEW  COMMON STOCK     25179M103        1       22 SH       DEFINED                  22        0        0
DIAGNOSTIC PRODUCTS CORP       COMMON STOCK     252450101       77     2400 SH       DEFINED                   0        0     2400
DIAL CORP NEW                  COMMON STOCK     25247D101        7      719 SH       DEFINED                 719        0        0
DIAL CORP NEW                  COMMON STOCK     25247D101        6      600 SH       OTHER                   600        0        0
DIMON INC                      COMMON STOCK     254394109        1      500 SH       OTHER                     0      500        0
DOLLAR GENERAL CORP            COMMON STOCK     256669102       37     1923 SH       OTHER                  1923        0        0
DOMINION RESOURCES INC/VA      COMMON STOCK     25746U109     1233    28761 SH       DEFINED               27327        0     1434
DOMINION RESOURCES INC/VA      COMMON STOCK     25746U109      437    10185 SH       OTHER                  9986      199        0
DOVER CORP                     COMMON STOCK     260003108       20      500 SH       OTHER                   500        0        0
DOW CHEMICAL CO                COMMON STOCK     260543103      368    12186 SH       DEFINED               11136        0     1050
DOW CHEMICAL CO                COMMON STOCK     260543103      365    12084 SH       OTHER                 12084        0        0
DOW JONES & CO INC             COMMON STOCK     260561105       22      300 SH       OTHER                   300        0        0
DPL INC                        COMMON STOCK     233293109       77     3509 SH       DEFINED                3509        0        0
DPL INC                        COMMON STOCK     233293109      100     4536 SH       OTHER                  4535        0        1
DQE, INC.                      COMMON STOCK     23329J104       41     1028 SH       DEFINED                1028        0        0
DRESS BARN INC                 COMMON STOCK     261570105        4      200 SH       OTHER                   200        0        0
DTE ENERGY COMPANY             COMMON STOCK     233331107       17      555 SH       DEFINED                 555        0        0
DTE ENERGY COMPANY             COMMON STOCK     233331107        3      113 SH       OTHER                   113        0        0
DUKE ENERGY CORP               COMMON STOCK     264399106     1443    25598 SH       DEFINED               23800        0     1798
DUKE ENERGY CORP               COMMON STOCK     264399106      509     9027 SH       OTHER                  8327      200      500
E I DU PONT DE NEMOURS & CO.   COMMON STOCK     263534109     2431    55574 SH       DEFINED               53234        0     2340
E I DU PONT DE NEMOURS & CO.   COMMON STOCK     263534109      885    20229 SH       OTHER                 19379      100      750
EASTMAN CHEMICAL COMPANY       COMMON STOCK     277432100       17      352 SH       DEFINED                 240        0      112
EASTMAN CHEMICAL COMPANY       COMMON STOCK     277432100       13      268 SH       OTHER                   168      100        0
EASTMAN KODAK CO               COMMON STOCK     277461109      217     3653 SH       DEFINED                3157        0      496
EASTMAN KODAK CO               COMMON STOCK     277461109      103     1725 SH       OTHER                  1500      225        0
EDISON INTERNATIONAL           COMMON STOCK     281020107       12      578 SH       DEFINED                 578        0        0
EDWARDS LIFESCIENCES CORP      COMMON STOCK     28176E108       22     1201 SH       DEFINED                 721        0      480
EDWARDS LIFESCIENCES CORP      COMMON STOCK     28176E108       10      524 SH       OTHER                   524        0        0
EEX CORPORATION                COMMON STOCK     26842V207        2      304 SH       OTHER                   304        0        0
EGLOBE INC                     COMMON STOCK     282339100        2      700 SH       OTHER                   700        0        0
EL PASO ENERGY                 COMMON STOCK     283905107       29      570 SH       DEFINED                 570        0        0
EL PASO ENERGY                 COMMON STOCK     283905107       51     1000 SH       OTHER                  1000        0        0
ELECTRONIC DATA SYSTEMS CORP   COMMON STOCK     285661104      508    12317 SH       DEFINED               11964        0      353
ELECTRONIC DATA SYSTEMS CORP   COMMON STOCK     285661104      165     3992 SH       OTHER                  3592      400        0
EMC CORP MASS                  COMMON STOCK     268648102     4341    56420 SH       DEFINED               55920        0      500
EMC CORP MASS                  COMMON STOCK     268648102       15      200 SH       OTHER                   100      100        0
EMERSON ELECTRIC CO.           COMMON STOCK     291011104     1275    21111 SH       DEFINED               19471        0     1640
EMERSON ELECTRIC CO.           COMMON STOCK     291011104      726    12025 SH       OTHER                 11224        0      801
EMS TECHNOLOGIES INC           COMMON STOCK     26873N108       22     1210 SH       DEFINED                1210        0        0
ENERGIZER HOLDINGS INC         COMMON STOCK     29266R108        7      406 SH       DEFINED                 406        0        0
ENERGY EAST CORPORATION        COMMON STOCK     29266M109        4      204 SH       DEFINED                 204        0        0
ENRON CORP                     COMMON STOCK     293561106      792    12280 SH       DEFINED               11880        0      400
ENRON CORP                     COMMON STOCK     293561106      135     2100 SH       OTHER                   600     1500        0
ENTERGY CORP (NEW)             COMMON STOCK     29364G103       11      400 SH       DEFINED                 400        0        0
EOG RESOURCES                  COMMON STOCK     26875P101        2       70 SH       DEFINED                   0        0       70
EQUIFAX INC                    COMMON STOCK     294429105     1404    53503 SH       DEFINED               51453        0     2050
EQUIFAX INC                    COMMON STOCK     294429105      415    15825 SH       OTHER                 14625      500      700
EXXON MOBIL CORP               COMMON STOCK     30231G102    16845   214589 SH       DEFINED              206801     1000     6788
EXXON MOBIL CORP               COMMON STOCK     30231G102     5213    66409 SH       OTHER                 62877     2532     1000
F & M BANCORP/FREDERICK MD     COMMON STOCK     302367107       23     1180 SH       DEFINED                1180        0        0
F & M NATIONAL CORP            COMMON STOCK     302374103      230    10970 SH       DEFINED               10970        0        0
FEDERAL HOME LOAN MORTGAGE COR COMMON STOCK     313400301       27      675 SH       DEFINED                 600        0       75
FEDERAL HOME LOAN MORTGAGE COR COMMON STOCK     313400301       32      800 SH       OTHER                   800        0        0
FEDERAL NATIONAL MORTGAGE ASSN COMMON STOCK     313586109     3433    65785 SH       DEFINED               60660        0     5125
FEDERAL NATIONAL MORTGAGE ASSN COMMON STOCK     313586109     1147    21980 SH       OTHER                 19780      600     1600
FEDERAL SIGNAL CORP            COMMON STOCK     313855108       17     1050 SH       DEFINED                 850        0      200
FEDERAL SIGNAL CORP            COMMON STOCK     313855108       72     4350 SH       OTHER                  4350        0        0
FEDERATED DEPT STORES INC      COMMON STOCK     31410H101        3      100 SH       DEFINED                   0        0      100
FIFTH THIRD BANCORP            COMMON STOCK     316773100       43      675 SH       OTHER                   675        0        0
FINOVA GROUP INC               COMMON STOCK     317928109       28     2175 SH       DEFINED                2175        0        0
FINOVA GROUP INC               COMMON STOCK     317928109        8      626 SH       OTHER                   626        0        0
FIRST CITIZENS BANCSHARES CLAS COMMON STOCK     31946M103       60     1010 SH       DEFINED                1010        0        0
FIRST UNION CORP               COMMON STOCK     337358105      276    11126 SH       DEFINED                4636        0     6490
FIRST UNION CORP               COMMON STOCK     337358105      116     4672 SH       OTHER                  4298      374        0
FIRST VIRGINIA BANKS, INC.     COMMON STOCK     337477103    15080   433190 SH       DEFINED              427188        0     6002
FIRST VIRGINIA BANKS, INC.     COMMON STOCK     337477103    12763   366626 SH       OTHER                357337     9289        0
FIRSTENERGY CORP               COMMON STOCK     337932107       10      415 SH       OTHER                   300      115        0
FLEET BOSTON FINANCIAL CORP    COMMON STOCK     339030108       73     2150 SH       OTHER                  2150        0        0
FLORIDA PROGRESS CORP          COMMON STOCK     341109106       98     2087 SH       DEFINED                1712        0      375
FLORIDA PROGRESS CORP          COMMON STOCK     341109106      118     2525 SH       OTHER                  2525        0        0
FLOWSERVE CORPORATION          COMMON STOCK     34354P105        0        8 SH       OTHER                     8        0        0
FORD MOTOR CO                  COMMON STOCK     345370100      119     2760 SH       DEFINED                2610        0      150
FORD MOTOR CO                  COMMON STOCK     345370100      576    13388 SH       OTHER                 11888     1500        0
FOREST OIL CORP                COMMON STOCK     346091606        1       43 SH       DEFINED                  43        0        0
FORT JAMES CORP                COMMON STOCK     347471104        8      350 SH       OTHER                   350        0        0
FORTUNE BRANDS INC             COMMON STOCK     349631101      240    10397 SH       DEFINED                9097        0     1300
FORTUNE BRANDS INC             COMMON STOCK     349631101       70     3020 SH       OTHER                  2700      320        0
FOSTER WHEELER CORP            COMMON STOCK     350244109        2      200 SH       DEFINED                 200        0        0
FPL GROUP INC                  COMMON STOCK     302571104      707    14292 SH       DEFINED               12243        0     2049
FPL GROUP INC                  COMMON STOCK     302571104      111     2250 SH       OTHER                  2050      200        0
GANNETT INC                    COMMON STOCK     364730101     1432    23935 SH       DEFINED               23285        0      650
GANNETT INC                    COMMON STOCK     364730101      760    12700 SH       OTHER                 12475      225        0
GARDNER DENVER INC             COMMON STOCK     365558105        0       24 SH       DEFINED                  24        0        0
GATEWAY INC                    COMMON STOCK     367626108       23      400 SH       DEFINED                 400        0        0
GATX CORP                      COMMON STOCK     361448103       27      800 SH       DEFINED                 800        0        0
GENCORP INC                    COMMON STOCK     368682100        3      351 SH       DEFINED                 351        0        0
GENERAL AMERICAN INVESTORS     COMMON STOCK     368802104       62     1570 SH       DEFINED                1570        0        0
GENERAL ELECTRIC CO            COMMON STOCK     369604103    21119   398480 SH       DEFINED              382570        0    15910
GENERAL ELECTRIC CO            COMMON STOCK     369604103     7801   147187 SH       OTHER                135684     8650     2853
GENERAL MAGIC INC              COMMON STOCK     370253106        8     1000 SH       DEFINED                   0        0     1000
GENERAL MILLS, INC.            COMMON STOCK     370334104      163     4274 SH       DEFINED                4274        0        0
GENERAL MILLS, INC.            COMMON STOCK     370334104      176     4608 SH       OTHER                  4608        0        0
GENERAL MOTORS CORP CLASS H    COMMON STOCK     370442832      142     4860 SH       DEFINED                4242        0      618
GENERAL MOTORS CORP CLASS H    COMMON STOCK     370442832        3       90 SH       OTHER                    90        0        0
GENERAL MTRS CORP              COMMON STOCK     370442105     1652    28457 SH       DEFINED               26342        0     2115
GENERAL MTRS CORP              COMMON STOCK     370442105      241     4156 SH       OTHER                  4156        0        0
GENESCO INC                    COMMON STOCK     371532102        6      400 SH       DEFINED                 400        0        0
GENUINE PARTS CO               COMMON STOCK     372460105      317    15844 SH       DEFINED               15594        0      250
GENUINE PARTS CO               COMMON STOCK     372460105       77     3862 SH       OTHER                  2550     1312        0
GEORGIA PACIFIC TIMBER GROUP   COMMON STOCK     373298702       16      733 SH       DEFINED                 733        0        0
GEORGIA PACIFIC TIMBER GROUP   COMMON STOCK     373298702        4      180 SH       OTHER                   180        0        0
GEORGIA-PACIFIC GROUP          COMMON STOCK     373298108       49     1866 SH       DEFINED                1866        0        0
GEORGIA-PACIFIC GROUP          COMMON STOCK     373298108        9      360 SH       OTHER                   360        0        0
GILLETTE CO                    COMMON STOCK     375766102     1576    45100 SH       DEFINED               43050        0     2050
GILLETTE CO                    COMMON STOCK     375766102      595    17034 SH       OTHER                 16934      100        0
GOODRICH B.F. CO               COMMON STOCK     382388106        3      100 SH       OTHER                     0      100        0
GOODYEAR TIRE & RUBBER CO      COMMON STOCK     382550101       29     1440 SH       DEFINED                1440        0        0
GRAINGER (W.W.) INC            COMMON STOCK     384802104       22      700 SH       DEFINED                 700        0        0
GRAINGER (W.W.) INC            COMMON STOCK     384802104        6      200 SH       OTHER                   200        0        0
GTE CORP                       COMMON STOCK     362320103     3383    54351 SH       DEFINED               50749        0     3602
GTE CORP                       COMMON STOCK     362320103      932    14975 SH       OTHER                 14375      300      300
H&R BLOCK, INC.                COMMON STOCK     093671105       79     2430 SH       DEFINED                2430        0        0
HALLIBURTON CO                 COMMON STOCK     406216101     1017    21558 SH       DEFINED               20083        0     1475
HALLIBURTON CO                 COMMON STOCK     406216101      420     8900 SH       OTHER                  8400        0      500
HANDLEMAN CO                   COMMON STOCK     410252100       10      800 SH       DEFINED                   0        0      800
HANNA (M A) CO                 COMMON STOCK     410522106       18     2023 SH       OTHER                  2023        0        0
HARLEY DAVIDSON INC            COMMON STOCK     412822108      187     4860 SH       DEFINED                4310        0      550
HARLEY DAVIDSON INC            COMMON STOCK     412822108       54     1400 SH       OTHER                  1400        0        0
HARRAH'S ENTERTAINMENT INC.    COMMON STOCK     413619107        6      300 SH       DEFINED                 300        0        0
HARRIS CORP DEL                COMMON STOCK     413875105       50     1520 SH       DEFINED                   0        0     1520
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104       96     1712 SH       DEFINED                1712        0        0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104       46      818 SH       OTHER                   818        0        0
HASBRO INC                     COMMON STOCK     418056107        2      157 SH       DEFINED                   0        0      157
HAWAIIAN ELECTRIC INDUSTRIES I COMMON STOCK     419870100       10      300 SH       DEFINED                 300        0        0
HEALTH MANAGEMENT ASSOC CL A   COMMON STOCK     421933102       78     6000 SH       DEFINED                6000        0        0
HEALTHCARE REALTY TRUST        COMMON STOCK     421946104       14      800 SH       DEFINED                 800        0        0
HEINZ H J CO                   COMMON STOCK     423074103      280     6400 SH       DEFINED                6400        0        0
HEINZ H J CO                   COMMON STOCK     423074103      112     2550 SH       OTHER                  2550        0        0
HERSHEY FOODS CORP             COMMON STOCK     427866108       73     1500 SH       DEFINED                1500        0        0
HERSHEY FOODS CORP             COMMON STOCK     427866108       22      448 SH       OTHER                   448        0        0
HEWLETT PACKARD CO             COMMON STOCK     428236103      212     1700 SH       DEFINED                1600        0      100
HEWLETT PACKARD CO             COMMON STOCK     428236103      924     7400 SH       OTHER                  7400        0        0
HIGHLANDS INSURANCE GROUP      COMMON STOCK     431032101        1       80 SH       OTHER                    80        0        0
HOME DEPOT INC                 COMMON STOCK     437076102     4892    97956 SH       DEFINED               94031        0     3925
HOME DEPOT INC                 COMMON STOCK     437076102     1240    24837 SH       OTHER                 24737      100        0
HONEYWELL INTERNATIONAL INC    COMMON STOCK     438516106      601    17854 SH       DEFINED               16956        0      898
HONEYWELL INTERNATIONAL INC    COMMON STOCK     438516106      173     5150 SH       OTHER                  5150        0        0
HOUSEHOLD INTERNATIONAL INC.   COMMON STOCK     441815107      101     2442 SH       OTHER                  2442        0        0
HSB GROUP INC                  COMMON STOCK     40428N109       37     1200 SH       DEFINED                   0        0     1200
HUBBELL INC CL B               COMMON STOCK     443510201        8      300 SH       DEFINED                 300        0        0
HUNT CORP                      COMMON STOCK     445591100       47     4538 SH       DEFINED                4538        0        0
HUTTIG BUILDING PRODUCTS INC   COMMON STOCK     448451104        5     1254 SH       DEFINED                1254        0        0
IBP INC                        COMMON STOCK     449223106        2      110 SH       DEFINED                   0        0      110
IKON OFFICE SOLUTIONS          COMMON STOCK     451713101       13     3300 SH       OTHER                  3300        0        0
ILLINOIS TOOL WORKS INC        COMMON STOCK     452308109     1382    24240 SH       DEFINED               23590        0      650
ILLINOIS TOOL WORKS INC        COMMON STOCK     452308109      362     6350 SH       OTHER                  6250      100        0
IMATION CORP                   COMMON STOCK     45245A107       13      445 SH       DEFINED                 445        0        0
IMS HEALTH                     COMMON STOCK     449934108        6      350 SH       DEFINED                 350        0        0
INFINITY BROADCASTING CORP-A   COMMON STOCK     45662S102        7      200 SH       OTHER                   200        0        0
INGERSOLL RAND CO              COMMON STOCK     456866102       52     1300 SH       DEFINED                1300        0        0
INTEL CORP                     COMMON STOCK     458140100    10167    76050 SH       DEFINED               73100        0     2950
INTEL CORP                     COMMON STOCK     458140100     4195    31380 SH       OTHER                 31180      200        0
INTERNATIONAL BUSINESS MACHINE COMMON STOCK     459200101     5760    52570 SH       DEFINED               47617        0     4953
INTERNATIONAL BUSINESS MACHINE COMMON STOCK     459200101     1810    16521 SH       OTHER                 15521        0     1000
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK     459506101       27      900 SH       DEFINED                 900        0        0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK     459506101       20      650 SH       OTHER                   650        0        0
INTERNATIONAL PAPER CO         COMMON STOCK     460146103      389    13051 SH       DEFINED               12551        0      500
INTERNATIONAL PAPER CO         COMMON STOCK     460146103      184     6159 SH       OTHER                  6159        0        0
INTERPUBLIC GROUP COS INC      COMMON STOCK     460690100     1509    35100 SH       DEFINED               33100        0     2000
INTERPUBLIC GROUP COS INC      COMMON STOCK     460690100     1070    24892 SH       OTHER                 22792        0     2100
IPALCO ENTERPRISES INC         COMMON STOCK     462613100       60     3000 SH       DEFINED                3000        0        0
ITT INDUSTRIES                 COMMON STOCK     450911102       14      456 SH       DEFINED                 456        0        0
ITT INDUSTRIES                 COMMON STOCK     450911102        9      309 SH       OTHER                   309        0        0
JAMES RIVER BANKSHARES         COMMON STOCK     470345109       46     4204 SH       DEFINED                4204        0        0
JDS UNIPHASE CORP              COMMON STOCK     46612J101        6       50 SH       OTHER                    50        0        0
JEFFERSON PILOT CORP           COMMON STOCK     475070108      118     2098 SH       OTHER                  2098        0        0
JOHN HANCOCK FINANCIAL SERVICE COMMON STOCK     41014S106        6      235 SH       DEFINED                 235        0        0
JOHNSON & JOHNSON              COMMON STOCK     478160104     5593    54900 SH       DEFINED               50445        0     4455
JOHNSON & JOHNSON              COMMON STOCK     478160104     2015    19775 SH       OTHER                 18775      100      900
KANSAS CITY POWER & LIGHT      COMMON STOCK     485134100        7      300 SH       DEFINED                 300        0        0
KANSAS CITY POWER & LIGHT      COMMON STOCK     485134100        0        1 SH       OTHER                     0        0        1
KELLOGG CO                     COMMON STOCK     487836108      101     3400 SH       DEFINED                3400        0        0
KELLOGG CO                     COMMON STOCK     487836108       30     1000 SH       OTHER                  1000        0        0
KERR MCGEE CORP                COMMON STOCK     492386107        2       38 SH       OTHER                    38        0        0
KEYCORP                        COMMON STOCK     493267108       69     3900 SH       DEFINED                   0        0     3900
KEYSPAN CORPORATION            COMMON STOCK     49337W100       18      600 SH       DEFINED                   0        0      600
KIMBERLY CLARK CORP            COMMON STOCK     494368103      873    15217 SH       DEFINED               13269        0     1948
KIMBERLY CLARK CORP            COMMON STOCK     494368103      474     8260 SH       OTHER                  8260        0        0
KINDER MORGAN INC              COMMON STOCK     49455P101        9      250 SH       OTHER                   250        0        0
KNAPE & VOGT MFG CO            COMMON STOCK     498782101        2      160 SH       OTHER                   160        0        0
KNIGHT RIDDER INC              COMMON STOCK     499040103      128     2400 SH       DEFINED                2400        0        0
KOHLS CORP                     COMMON STOCK     500255104      968    17400 SH       DEFINED               17200        0      200
KOHLS CORP                     COMMON STOCK     500255104       22      400 SH       OTHER                   400        0        0
KROGER CO                      COMMON STOCK     501044101       62     2792 SH       DEFINED                2792        0        0
LANDAMERICA FINANCIAL GROUP    COMMON STOCK     514936103        9      375 SH       DEFINED                 375        0        0
LANIER WORLDWIDE INC           COMMON STOCK     51589L105        2     1520 SH       DEFINED                1520        0        0
LEHMAN BROTHERS HOLDINGS       COMMON STOCK     524908100       40      424 SH       DEFINED                 424        0        0
LG & E ENERGY CORP             COMMON STOCK     501917108       53     2213 SH       DEFINED                2213        0        0
LG & E ENERGY CORP             COMMON STOCK     501917108       17      702 SH       OTHER                   702        0        0
LILLY ELI & CO                 COMMON STOCK     532457108      210     2100 SH       DEFINED                   0        0     2100
LILLY ELI & CO                 COMMON STOCK     532457108       60      600 SH       OTHER                   600        0        0
LIMITED INC                    COMMON STOCK     532716107       13      600 SH       DEFINED                 600        0        0
LINCOLN NATIONAL CORP          COMMON STOCK     534187109       11      300 SH       DEFINED                 300        0        0
LIZ CLAIBORNE                  COMMON STOCK     539320101        9      250 SH       OTHER                   250        0        0
LOCKHEED MARTIN CORP           COMMON STOCK     539830109       60     2400 SH       DEFINED                2400        0        0
LOCKHEED MARTIN CORP           COMMON STOCK     539830109       40     1622 SH       OTHER                  1622        0        0
LORAL SPACE & COMMUNICATIONSCO COMMON STOCK     G56462107       10     1400 SH       OTHER                  1400        0        0
LOWES COMPANIES                COMMON STOCK     548661107      382     9300 SH       DEFINED                8750        0      550
LOWES COMPANIES                COMMON STOCK     548661107       84     2050 SH       OTHER                  2050        0        0
LSI LOGIC CORPORATION          COMMON STOCK     502161102      260     4800 SH       DEFINED                   0        0     4800
LUBRIZOL CORP                  COMMON STOCK     549271104       28     1332 SH       DEFINED                1332        0        0
LUCENT TECHNOLOGIES INC        COMMON STOCK     549463107     5866    98999 SH       DEFINED               89063        0     9936
LUCENT TECHNOLOGIES INC        COMMON STOCK     549463107     1577    26622 SH       OTHER                 26026      596        0
MADISON GAS & ELEC CO          COMMON STOCK     557497104        4      225 SH       DEFINED                 225        0        0
MARRIOTT INTERNATIONAL-CL A    COMMON STOCK     571903202     1226    33990 SH       DEFINED               33430        0      560
MARRIOTT INTERNATIONAL-CL A    COMMON STOCK     571903202      934    25899 SH       OTHER                 25899        0        0
MASCO CORP                     COMMON STOCK     574599106       23     1300 SH       DEFINED                 900        0      400
MASCO CORP                     COMMON STOCK     574599106        9      500 SH       OTHER                   500        0        0
MATTEL INC                     COMMON STOCK     577081102        1      100 SH       DEFINED                 100        0        0
MAXIMUS INC                    COMMON STOCK     577933104        2      100 SH       DEFINED                 100        0        0
MAY DEPT STORES CO             COMMON STOCK     577778103      106     4422 SH       DEFINED                4122        0      300
MAY DEPT STORES CO             COMMON STOCK     577778103       40     1662 SH       OTHER                  1200      462        0
MBIA INC                       COMMON STOCK     55262C100      581    12055 SH       DEFINED               11455        0      600
MBIA INC                       COMMON STOCK     55262C100      193     4000 SH       OTHER                  4000        0        0
MBNA CORP                      COMMON STOCK     55262L100     4112   151585 SH       DEFINED              144590        0     6995
MBNA CORP                      COMMON STOCK     55262L100     1335    49225 SH       OTHER                 45483     1717     2025
MCCORMICK & CO-NONVTG SHRS     COMMON STOCK     579780206       20      600 SH       DEFINED                 600        0        0
MCCORMICK & CO-NONVTG SHRS     COMMON STOCK     579780206      114     3500 SH       OTHER                  3500        0        0
MCDONALDS CORP                 COMMON STOCK     580135101     1825    55416 SH       DEFINED               50576     2000     2840
MCDONALDS CORP                 COMMON STOCK     580135101      418    12690 SH       OTHER                 11490      100     1100
MCGRAW-HILL COMPANIES INC      COMMON STOCK     580645109     1259    23321 SH       DEFINED               22621        0      700
MCGRAW-HILL COMPANIES INC      COMMON STOCK     580645109      271     5025 SH       OTHER                  5025        0        0
MCN ENERGY GROUP               COMMON STOCK     55267J100        9      400 SH       DEFINED                 400        0        0
MDU RESOURCES GROUP            COMMON STOCK     552690109       23     1050 SH       DEFINED                1050        0        0
MDU RESOURCES GROUP            COMMON STOCK     552690109       27     1237 SH       OTHER                  1237        0        0
MEDIAONE GROUP INC.            COMMON STOCK     58440J104      399     5994 SH       DEFINED                5233        0      761
MEDIAONE GROUP INC.            COMMON STOCK     58440J104       91     1370 SH       OTHER                  1370        0        0
MEDTRONIC INC.                 COMMON STOCK     585055106     4259    85500 SH       DEFINED               82425        0     3075
MEDTRONIC INC.                 COMMON STOCK     585055106      643    12900 SH       OTHER                 12900        0        0
MELLON FINANCIAL CORP          COMMON STOCK     58551A108       59     1624 SH       DEFINED                1624        0        0
MELLON FINANCIAL CORP          COMMON STOCK     58551A108       24      660 SH       OTHER                   660        0        0
MERCANTILE BANKSHARES          COMMON STOCK     587405101      239     8033 SH       DEFINED                8033        0        0
MERCANTILE BANKSHARES          COMMON STOCK     587405101      321    10768 SH       OTHER                 10768        0        0
MERCK & CO INC                 COMMON STOCK     589331107     5392    70368 SH       DEFINED               67213        0     3155
MERCK & CO INC                 COMMON STOCK     589331107     1984    25888 SH       OTHER                 21988     1900     2000
MERITOR AUTOMOTIVE INC         COMMON STOCK     59000G100        6      533 SH       DEFINED                   0        0      533
MERITOR AUTOMOTIVE INC         COMMON STOCK     59000G100        3      266 SH       OTHER                   266        0        0
MERRILL LYNCH & CO INC         COMMON STOCK     590188108      124     1080 SH       DEFINED                1080        0        0
MICROS SYSTEMS                 COMMON STOCK     594901100       19     1000 SH       DEFINED                1000        0        0
MICROSOFT CORP                 COMMON STOCK     594918104     4631    57885 SH       DEFINED               55880        0     2005
MICROSOFT CORP                 COMMON STOCK     594918104     1383    17289 SH       OTHER                 16389      500      400
MIDAS INC                      COMMON STOCK     595626102       40     2022 SH       DEFINED                2022        0        0
MINNESOTA MINING & MANUFACTURI COMMON STOCK     604059105      942    11418 SH       DEFINED               11218      200        0
MINNESOTA MINING & MANUFACTURI COMMON STOCK     604059105      260     3150 SH       OTHER                  3150        0        0
MINNESOTA POWER INC            COMMON STOCK     604110106       35     2000 SH       DEFINED                2000        0        0
MINNESOTA POWER INC            COMMON STOCK     604110106        8      444 SH       OTHER                   444        0        0
MONTANA POWER CO               COMMON STOCK     612085100      170     4800 SH       DEFINED                4800        0        0
MONY GROUP INC                 COMMON STOCK     615337102       47     1397 SH       DEFINED                1397        0        0
MORGAN J P & CO INC            COMMON STOCK     616880100      199     1810 SH       DEFINED                1810        0        0
MORGAN J P & CO INC            COMMON STOCK     616880100       47      425 SH       OTHER                   425        0        0
MORGAN STANLEY, DEAN WITTER &  COMMON STOCK     617446448      475     5704 SH       DEFINED                5704        0        0
MORGAN STANLEY, DEAN WITTER &  COMMON STOCK     617446448       83      996 SH       OTHER                   216        0      780
MOTOROLA INC                   COMMON STOCK     620076109      354    12170 SH       DEFINED               12170        0        0
MOTOROLA INC                   COMMON STOCK     620076109      148     5100 SH       OTHER                  4800      300        0
MYLAN LABORATORIES INC         COMMON STOCK     628530107       11      600 SH       DEFINED                 600        0        0
NABISCO GROUP HOLDINGS CORP    COMMON STOCK     62952P102       19      746 SH       DEFINED                 746        0        0
NABISCO GROUP HOLDINGS CORP    COMMON STOCK     62952P102        3      115 SH       OTHER                   115        0        0
NATIONAL BANKSHARES INC VA     COMMON STOCK     634865109       37     2268 SH       DEFINED                2268        0        0
NATIONAL BANKSHARES INC VA     COMMON STOCK     634865109        8      506 SH       OTHER                   506        0        0
NATIONAL CITY CORP             COMMON STOCK     635405103       73     4274 SH       DEFINED                1400        0     2874
NATIONAL CITY CORP             COMMON STOCK     635405103      162     9480 SH       OTHER                  9480        0        0
NATIONAL FUEL GAS N J          COMMON STOCK     636180101       92     1880 SH       DEFINED                1830        0       50
NATIONAL FUEL GAS N J          COMMON STOCK     636180101       10      200 SH       OTHER                   200        0        0
NATIONAL-OILWELL INC           COMMON STOCK     637071101        3      100 SH       DEFINED                 100        0        0
NCR CORPORATION                COMMON STOCK     62886E108        9      226 SH       DEFINED                 226        0        0
NCR CORPORATION                COMMON STOCK     62886E108        7      180 SH       OTHER                   180        0        0
NEW CENTURY ENERGIES           COMMON STOCK     64352U103        3      112 SH       DEFINED                 112        0        0
NEWELL RUBBERMAID INC          COMMON STOCK     651229106       82     3166 SH       DEFINED                3009        0      157
NEWELL RUBBERMAID INC          COMMON STOCK     651229106        5      200 SH       OTHER                   200        0        0
NEWMONT MINING CORP            COMMON STOCK     651639106       88     4049 SH       DEFINED                4049        0        0
NEWPORT NEWS SHIPBUILDING      COMMON STOCK     652228107        4      106 SH       DEFINED                 106        0        0
NEXTEL COMMUNICATIONS INC-A    COMMON STOCK     65332V103       12      200 SH       DEFINED                 200        0        0
NEXTLINK COMMUNICATIONS-A      COMMON STOCK     65333H707      114     3000 SH       DEFINED                   0        0     3000
NIKE INC CLASS B               COMMON STOCK     654106103       22      550 SH       DEFINED                 550        0        0
NISOURCE INC.                  COMMON STOCK     65473P105      313    16800 SH       DEFINED               16800        0        0
NISOURCE INC.                  COMMON STOCK     65473P105      161     8650 SH       OTHER                  8650        0        0
NORDSTROM INC                  COMMON STOCK     655664100       39     1600 SH       DEFINED                1600        0        0
NORDSTROM INC                  COMMON STOCK     655664100       19      800 SH       OTHER                   800        0        0
NORFOLK SOUTHERN CORP          COMMON STOCK     655844108     1158    77850 SH       DEFINED               71075        0     6775
NORFOLK SOUTHERN CORP          COMMON STOCK     655844108      161    10805 SH       OTHER                 10080      725        0
NORTHEAST UTILITIES            COMMON STOCK     664397106        6      284 SH       DEFINED                 284        0        0
NORTHERN STATES POWER MINN     COMMON STOCK     665772109       22     1108 SH       DEFINED                1108        0        0
NORTHWEST NATURAL GAS CO       COMMON STOCK     667655104       30     1350 SH       DEFINED                1350        0        0
NSTAR                          COMMON STOCK     67019E107       13      316 SH       OTHER                   316        0        0
NUCOR CORP                     COMMON STOCK     670346105      281     8455 SH       DEFINED                8155        0      300
NUCOR CORP                     COMMON STOCK     670346105       13      400 SH       OTHER                   300      100        0
OCCIDENTAL PETROLEUM CORP      COMMON STOCK     674599105        9      450 SH       DEFINED                 450        0        0
OCCIDENTAL PETROLEUM CORP      COMMON STOCK     674599105       13      600 SH       OTHER                   600        0        0
OCEAN ENERGY                   COMMON STOCK     67481E106        0       32 SH       DEFINED                  32        0        0
OGDEN CORP.                    COMMON STOCK     676346109       14     1600 SH       DEFINED                   0        0     1600
OMNOVA SOLUTIONS INC           COMMON STOCK     682129101        2      351 SH       DEFINED                 351        0        0
ORACLE CORPORATION             COMMON STOCK     68389X105     4708    56000 SH       DEFINED               53800        0     2200
ORACLE CORPORATION             COMMON STOCK     68389X105      202     2400 SH       OTHER                  1800      600        0
ORBITAL SCIENCES CORP          COMMON STOCK     685564106        9      700 SH       OTHER                   700        0        0
OSHKOSH TRUCK CORP             COMMON STOCK     688239201        5      150 SH       DEFINED                 150        0        0
OWENS & MINOR INC HLDG CO      COMMON STOCK     690732102        3      200 SH       DEFINED                 200        0        0
PACTIV CORP                    COMMON STOCK     695257105        0       31 SH       DEFINED                  31        0        0
PARK PLACE ENTERTAINMENT       COMMON STOCK     700690100        1       80 SH       DEFINED                   0        0       80
PECO ENERGY CO                 COMMON STOCK     693304107      121     3000 SH       DEFINED                   0        0     3000
PECO ENERGY CO                 COMMON STOCK     693304107       41     1012 SH       OTHER                  1012        0        0
PENNEY J C INC                 COMMON STOCK     708160106       71     3832 SH       DEFINED                2632        0     1200
PENNEY J C INC                 COMMON STOCK     708160106       20     1080 SH       OTHER                   840      240        0
PENNZOIL-QUAKER STATE          COMMON STOCK     709323109        1       50 SH       DEFINED                  50        0        0
PEOPLES ENERGY CORPORATION     COMMON STOCK     711030106       10      300 SH       DEFINED                 300        0        0
PEPSICO INC                    COMMON STOCK     713448108     2459    55345 SH       DEFINED               53695        0     1650
PEPSICO INC                    COMMON STOCK     713448108      709    15954 SH       OTHER                 13654     1600      700
PFIZER INC                     COMMON STOCK     717081103     4250    88535 SH       DEFINED               83210        0     5325
PFIZER INC                     COMMON STOCK     717081103      992    20658 SH       OTHER                 20658        0        0
PG & E CORP                    COMMON STOCK     69331C108       15      612 SH       DEFINED                 612        0        0
PG & E CORP                    COMMON STOCK     69331C108       38     1536 SH       OTHER                  1336      200        0
PHARMACIA CORP                 COMMON STOCK     71713U102      345     6675 SH       DEFINED                4225        0     2450
PHARMACIA CORP                 COMMON STOCK     71713U102       67     1300 SH       OTHER                  1300        0        0
PHELPS DODGE CORP              COMMON STOCK     717265102       19      500 SH       OTHER                     0        0      500
PHILADELPHIA SUBN CORP         COMMON STOCK     718009608       84     4113 SH       DEFINED                4113        0        0
PHILADELPHIA SUBN CORP         COMMON STOCK     718009608        6      300 SH       OTHER                   300        0        0
PHILIP MORRIS COS INC          COMMON STOCK     718154107     1433    53933 SH       DEFINED               53933        0        0
PHILIP MORRIS COS INC          COMMON STOCK     718154107      402    15150 SH       OTHER                 13050     2100        0
PHILLIPS PETROLEUM CO          COMMON STOCK     718507106      101     2000 SH       DEFINED                2000        0        0
PIEDMONT NATURAL GAS INC       COMMON STOCK     720186105       14      520 SH       DEFINED                 520        0        0
PINNACLE WEST CAPITAL CORP     COMMON STOCK     723484101       40     1189 SH       OTHER                  1189        0        0
PITNEY BOWES INC               COMMON STOCK     724479100      174     4350 SH       DEFINED                4350        0        0
PITTSTON BRINK'S GROUP         COMMON STOCK     725701106        4      273 SH       DEFINED                 273        0        0
PLAYBOY ENTERPRISES CL A       COMMON STOCK     728117201        1      100 SH       DEFINED                 100        0        0
PNC FINANCIAL SERVICES GROUP   COMMON STOCK     693475105       23      500 SH       DEFINED                 500        0        0
PNC FINANCIAL SERVICES GROUP   COMMON STOCK     693475105       81     1720 SH       OTHER                  1720        0        0
POTOMAC ELECTRIC POWER CO      COMMON STOCK     737679100      557    22261 SH       DEFINED               18261        0     4000
POTOMAC ELECTRIC POWER CO      COMMON STOCK     737679100      177     7094 SH       OTHER                  6594      500        0
PPG INDS INC                   COMMON STOCK     693506107      741    16719 SH       DEFINED               15919        0      800
PPG INDS INC                   COMMON STOCK     693506107      168     3800 SH       OTHER                  3700      100        0
PPL CORPORATION                COMMON STOCK     69351T106       18      801 SH       OTHER                   801        0        0
PRAXAIR INC                    COMMON STOCK     74005P104      187     4996 SH       DEFINED                4696        0      300
PRIMARK CORP                   COMMON STOCK     741903108        8      224 SH       DEFINED                 224        0        0
PROCTER & GAMBLE CO            COMMON STOCK     742718109     3098    54108 SH       DEFINED               50568     1200     2340
PROCTER & GAMBLE CO            COMMON STOCK     742718109     1647    28772 SH       OTHER                 27172      400     1200
PROVIDIAN FINANCIAL CORP       COMMON STOCK     74406A102    26329   292541 SH       DEFINED              292541        0        0
PROVIDIAN FINANCIAL CORP       COMMON STOCK     74406A102      149     1650 SH       OTHER                  1650        0        0
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK     744573106      208     6014 SH       DEFINED                4550        0     1464
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK     744573106       10      300 SH       OTHER                   300        0        0
PUGET SOUND ENERGY INC         COMMON STOCK     745332106       17      800 SH       OTHER                   800        0        0
QUAKER OATS CO                 COMMON STOCK     747402105      267     3550 SH       DEFINED                1250        0     2300
QUAKER OATS CO                 COMMON STOCK     747402105       90     1201 SH       OTHER                   600      600        1
QUEST DIAGNOSTICS INC          COMMON STOCK     74834L100        4       50 SH       DEFINED                  50        0        0
QWEST COMMUNICATIONS INTERNATI COMMON STOCK     749121109       58     1166 SH       DEFINED                1166        0        0
QWEST COMMUNICATIONS INTERNATI COMMON STOCK     749121109       50     1000 SH       OTHER                  1000        0        0
R & B FALCON CORP              COMMON STOCK     74912E101        5      200 SH       DEFINED                   0        0      200
R.J. REYNOLDS TOBACCO HOLDINGS COMMON STOCK     76182K105        4      141 SH       DEFINED                 141        0        0
R.J. REYNOLDS TOBACCO HOLDINGS COMMON STOCK     76182K105        1       41 SH       OTHER                    41        0        0
RADIOSHACK CORP                COMMON STOCK     750438103       38      800 SH       DEFINED                 800        0        0
RALSTON-RALSTON PURINA GROUP   COMMON STOCK     751277302       24     1218 SH       DEFINED                1218        0        0
RAVENSWOOD WINERY INC          COMMON STOCK     754438109        1      100 SH       DEFINED                   0        0      100
RAYONIER INC                   COMMON STOCK     754907103        3       87 SH       DEFINED                  87        0        0
RAYONIER INC                   COMMON STOCK     754907103        3       77 SH       OTHER                    77        0        0
RAYTHEON CO CLASS A            COMMON STOCK     755111309       40     2043 SH       DEFINED                1916        0      127
RAYTHEON CO CLASS A            COMMON STOCK     755111309        1       73 SH       OTHER                    73        0        0
RAYTHEON CO CLASS B            COMMON STOCK     755111408        8      400 SH       DEFINED                 400        0        0
RAYTHEON CO CLASS B            COMMON STOCK     755111408       18      936 SH       OTHER                   936        0        0
READ-RITE CORP                 COMMON STOCK     755246105        0       43 SH       DEFINED                  43        0        0
READERS DIGEST ASSN  CL A      COMMON STOCK     755267101        4      100 SH       OTHER                   100        0        0
RELIANT ENERGY                 COMMON STOCK     75952J108       18      600 SH       DEFINED                 600        0        0
RELIANT ENERGY                 COMMON STOCK     75952J108       38     1274 SH       OTHER                   774      500        0
RELIASTAR FINANCIAL CORP       COMMON STOCK     75952U103       15      280 SH       DEFINED                 280        0        0
RGC RESOURCES INC              COMMON STOCK     74955L103       42     2380 SH       DEFINED                2380        0        0
ROBERT MONDAVI CORP            COMMON STOCK     609200100        3      100 SH       DEFINED                   0        0      100
ROCKWELL INTL CORP NEW         COMMON STOCK     773903109       72     2300 SH       DEFINED                 700        0     1600
ROCKWELL INTL CORP NEW         COMMON STOCK     773903109       25      800 SH       OTHER                   800        0        0
ROWE COMPANIES                 COMMON STOCK     779528108      339    88800 SH       DEFINED               88800        0        0
ROWE COMPANIES                 COMMON STOCK     779528108        0       25 SH       OTHER                    25        0        0
SAFEWAY INC                    COMMON STOCK     786514208       23      500 SH       DEFINED                 500        0        0
SANDY SPRING BANCORP INC       COMMON STOCK     800363103     1040    50868 SH       DEFINED               28312        0    22556
SANDY SPRING BANCORP INC       COMMON STOCK     800363103       69     3400 SH       OTHER                  3400        0        0
SANTA FE ENERGY TRUST UNITS    COMMON STOCK     802013102       10      500 SH       DEFINED                 500        0        0
SANTA FE SNYDER CORP           COMMON STOCK     80218K105        1      106 SH       DEFINED                 106        0        0
SARA LEE CORP                  COMMON STOCK     803111103      284    14700 SH       DEFINED               14300        0      400
SARA LEE CORP                  COMMON STOCK     803111103      185     9575 SH       OTHER                  9275      300        0
SBC COMMUNICATIONS             COMMON STOCK     78387G103     5308   122719 SH       DEFINED              108191        0    14528
SBC COMMUNICATIONS             COMMON STOCK     78387G103     1619    37428 SH       OTHER                 36026     1002      400
SCANA CORP NEW                 COMMON STOCK     80589M102       73     3025 SH       DEFINED                3025        0        0
SCHERING PLOUGH CORP           COMMON STOCK     806605101      510    10100 SH       DEFINED               10100        0        0
SCHERING PLOUGH CORP           COMMON STOCK     806605101      540    10700 SH       OTHER                 10700        0        0
SCHLUMBERGER LTD               COMMON STOCK     806857108      112     1506 SH       DEFINED                1280      226        0
SCHLUMBERGER LTD               COMMON STOCK     806857108      149     2000 SH       OTHER                  2000        0        0
SEAGATE TECHNOLOGY             COMMON STOCK     811804103       10      176 SH       DEFINED                 176        0        0
SEAGATE TECHNOLOGY             COMMON STOCK     811804103        6      100 SH       OTHER                   100        0        0
SEARS ROEBUCK & CO             COMMON STOCK     812387108      159     4881 SH       DEFINED                4881        0        0
SEARS ROEBUCK & CO             COMMON STOCK     812387108       36     1090 SH       OTHER                   590        0      500
SEMPRA ENERGY                  COMMON STOCK     816851109       14      800 SH       DEFINED                 800        0        0
SERVICE CORP INTL              COMMON STOCK     817565104        1      300 SH       DEFINED                 300        0        0
SERVICEMASTER CO               COMMON STOCK     81760N109      173    15187 SH       DEFINED                   0        0    15187
SERVICEMASTER CO               COMMON STOCK     81760N109       34     2977 SH       OTHER                  2977        0        0
SIERRA PACIFIC RESOURCES       COMMON STOCK     826428104        6      500 SH       DEFINED                 500        0        0
SIGMA-ALDRICH CORP             COMMON STOCK     826552101       35     1200 SH       DEFINED                1200        0        0
SIGMA-ALDRICH CORP             COMMON STOCK     826552101       12      400 SH       OTHER                   400        0        0
SNAP-ON, INC                   COMMON STOCK     833034101        8      300 SH       OTHER                     0      300        0
SODEXHO MARRIOTT SERVICES      COMMON STOCK     833793102       65     4071 SH       DEFINED                4001        0       70
SOURCE CAPITAL INC             COMMON STOCK     836144105       25      500 SH       DEFINED                 500        0        0
SOURCE CAPITAL INC             COMMON STOCK     836144105       22      440 SH       OTHER                   440        0        0
SOUTHERN CO                    COMMON STOCK     842587107       73     3134 SH       DEFINED                3134        0        0
SOUTHERN CO                    COMMON STOCK     842587107       71     3046 SH       OTHER                  3046        0        0
SOUTHTRUST CORP                COMMON STOCK     844730101        3      150 SH       DEFINED                 150        0        0
SPRINT CORP (FON GROUP)        COMMON STOCK     852061100      306     6000 SH       DEFINED                6000        0        0
SPRINT CORP (FON GROUP)        COMMON STOCK     852061100       26      500 SH       OTHER                   500        0        0
SPRINT CORP (PCS GROUP)        COMMON STOCK     852061506      179     3000 SH       DEFINED                3000        0        0
SPRINT CORP (PCS GROUP)        COMMON STOCK     852061506       12      200 SH       OTHER                   200        0        0
ST.PAUL COMPANIES              COMMON STOCK     792860108      242     7096 SH       DEFINED                7096        0        0
ST.PAUL COMPANIES              COMMON STOCK     792860108        6      178 SH       OTHER                   178        0        0
STANLEY WORKS                  COMMON STOCK     854616109       33     1392 SH       DEFINED                1392        0        0
STAPLES INC (RETAIL & DELIVERY COMMON STOCK     855030102      274    17800 SH       DEFINED               17150        0      650
STAPLES INC (RETAIL & DELIVERY COMMON STOCK     855030102       85     5500 SH       OTHER                  5400      100        0
STARWOOD HOTELS & RESORTS WORL COMMON STOCK     85590A203        2       50 SH       DEFINED                  50        0        0
STATE STREET CORP              COMMON STOCK     857477103     2169    20450 SH       DEFINED               19350        0     1100
STATE STREET CORP              COMMON STOCK     857477103      119     1125 SH       OTHER                  1125        0        0
STEWART ENTERPRISES INC CL A   COMMON STOCK     860370105        3      900 SH       DEFINED                 900        0        0
STRYKER CORP                   COMMON STOCK     863667101     1346    30775 SH       DEFINED               30175        0      600
STRYKER CORP                   COMMON STOCK     863667101      293     6700 SH       OTHER                  5700      200      800
SUN MICROSYSTEMS INC           COMMON STOCK     866810104     7711    84795 SH       DEFINED               82170        0     2625
SUN MICROSYSTEMS INC           COMMON STOCK     866810104     2885    31725 SH       OTHER                 29925      800     1000
SUNOCO INC                     COMMON STOCK     86764P109        3      104 SH       OTHER                   104        0        0
SUNSHINE MINING & REFINING CO  COMMON STOCK     867833501        0      125 SH       DEFINED                   0        0      125
SUNTRUST BANKS, INC.           COMMON STOCK     867914103     1147    25103 SH       DEFINED               22117        0     2986
SUNTRUST BANKS, INC.           COMMON STOCK     867914103      903    19757 SH       OTHER                 19757        0        0
SUSQUEHANNA BANCSHARES         COMMON STOCK     869099101       12      859 SH       OTHER                   859        0        0
SWITCHBOARD INC                COMMON STOCK     871045100       10     1000 SH       DEFINED                   0        0     1000
SYNTROLEUM                     COMMON STOCK     871630109       24     1400 SH       DEFINED                   0        0     1400
SYSCO CORP                     COMMON STOCK     871829107      914    21690 SH       DEFINED               20790        0      900
SYSCO CORP                     COMMON STOCK     871829107      181     4300 SH       OTHER                  4300        0        0
T ROWE PRICE & ASSOC           COMMON STOCK     741477103     1309    30800 SH       DEFINED               28950        0     1850
T ROWE PRICE & ASSOC           COMMON STOCK     741477103      230     5400 SH       OTHER                  5400        0        0
TARGET CORP                    COMMON STOCK     87612E106     2566    44235 SH       DEFINED               41910        0     2325
TARGET CORP                    COMMON STOCK     87612E106      581    10010 SH       OTHER                  8960      700      350
TECO ENERGY INC                COMMON STOCK     872375100       39     1944 SH       DEFINED                1944        0        0
TECO ENERGY INC                COMMON STOCK     872375100       24     1200 SH       OTHER                  1200        0        0
TEKTRONIX INCORPORATED         COMMON STOCK     879131100      163     2200 SH       DEFINED                   0        0     2200
TELEDYNE TECHNOLOGIES INC      COMMON STOCK     879360105        1       45 SH       OTHER                    45        0        0
TELEPHONE & DATA SYSTEMS, INC. COMMON STOCK     879433100       45      452 SH       DEFINED                 452        0        0
TENNECO AUTOMOTIVE             COMMON STOCK     880349105        0        6 SH       DEFINED                   6        0        0
TETRA TECH INC NEW             COMMON STOCK     88162G103      106     4640 SH       DEFINED                4640        0        0
TEXACO INC                     COMMON STOCK     881694103      461     8652 SH       DEFINED                8652        0        0
TEXACO INC                     COMMON STOCK     881694103      177     3332 SH       OTHER                  3332        0        0
TEXTRON INC                    COMMON STOCK     883203101      116     2144 SH       DEFINED                2144        0        0
THOMAS & BETTS CORP            COMMON STOCK     884315102        4      200 SH       DEFINED                 200        0        0
TIME WARNER INC                COMMON STOCK     887315109      618     8136 SH       DEFINED                7946        0      190
TIME WARNER INC                COMMON STOCK     887315109      123     1615 SH       OTHER                  1615        0        0
TJX COS INC NEW                COMMON STOCK     872540109       19     1000 SH       OTHER                  1000        0        0
TRANS WORLD AIRLINES           COMMON STOCK     893349837        1      300 SH       DEFINED                 300        0        0
TRANSOCEAN SEDCO FOREX INC     COMMON STOCK     G90078109        6      120 SH       DEFINED                 120        0        0
TRANSOCEAN SEDCO FOREX INC     COMMON STOCK     G90078109       21      386 SH       OTHER                   386        0        0
TRI CONTL CORP                 COMMON STOCK     895436103      136     5375 SH       DEFINED                5375        0        0
TRICON GLOBAL RESTAURANTS      COMMON STOCK     895953107       88     3112 SH       DEFINED                3112        0        0
TRICON GLOBAL RESTAURANTS      COMMON STOCK     895953107       43     1530 SH       OTHER                  1450       80        0
TRIGON HEALTHCARE INC          COMMON STOCK     89618L100        5      100 SH       DEFINED                 100        0        0
TRIGON HEALTHCARE INC          COMMON STOCK     89618L100        8      150 SH       OTHER                     0      150        0
TRUMP HOTELS & CASINO RESORTS  COMMON STOCK     898168109        1      300 SH       DEFINED                 300        0        0
TRW INC                        COMMON STOCK     872649108      507    11700 SH       DEFINED               11050        0      650
TRW INC                        COMMON STOCK     872649108      152     3500 SH       OTHER                  3500        0        0
TXU CORPORATION                COMMON STOCK     873168108       81     2753 SH       DEFINED                1725        0     1028
TXU CORPORATION                COMMON STOCK     873168108        4      137 SH       OTHER                   137        0        0
TYCO INTERNATIONAL LTD         COMMON STOCK     902124106      962    20315 SH       DEFINED               18915        0     1400
TYCO INTERNATIONAL LTD         COMMON STOCK     902124106      133     2800 SH       OTHER                  2700      100        0
U.S. AIRWAYS GROUP             COMMON STOCK     911905107       16      400 SH       DEFINED                 400        0        0
ULTRAMAR DIAMOND SHAMROCK CORP COMMON STOCK     904000106        4      168 SH       DEFINED                 168        0        0
UNION BANKSHARES CORP          COMMON STOCK     905399101        5      500 SH       DEFINED                 500        0        0
UNION CARBIDE CORP             COMMON STOCK     905581104      271     5476 SH       DEFINED                5176        0      300
UNION PACIFIC CORP             COMMON STOCK     907818108       22      600 SH       DEFINED                 600        0        0
UNION PACIFIC CORP             COMMON STOCK     907818108      104     2784 SH       OTHER                  2784        0        0
UNION PACIFIC RESOURCES INC.   COMMON STOCK     907834105       56     2567 SH       DEFINED                2567        0        0
UNION PACIFIC RESOURCES INC.   COMMON STOCK     907834105       19      846 SH       OTHER                   846        0        0
UNISYS CORP                    COMMON STOCK     909214108        6      446 SH       DEFINED                 446        0        0
UNITED PARCEL SERVICE -CL B    COMMON STOCK     911312106      301     5100 SH       DEFINED                5100        0        0
UNITED TECHNOLOGIES            COMMON STOCK     913017109      952    16165 SH       DEFINED               15315        0      850
UNITED TECHNOLOGIES            COMMON STOCK     913017109       79     1350 SH       OTHER                  1350        0        0
UNITRIN INC                    COMMON STOCK     913275103        5      165 SH       OTHER                   165        0        0
UNIVERSAL CORP VA              COMMON STOCK     913456109       42     2000 SH       DEFINED                2000        0        0
UNOCAL CORP                    COMMON STOCK     915289102       24      735 SH       DEFINED                 735        0        0
US BANCORP                     COMMON STOCK     902973106        9      450 SH       DEFINED                 450        0        0
US WEST INC                    COMMON STOCK     91273H101      639     7451 SH       DEFINED                6735        0      716
US WEST INC                    COMMON STOCK     91273H101      147     1715 SH       OTHER                  1715        0        0
USA NETWORKS INC               COMMON STOCK     902984103       10      456 SH       DEFINED                   0        0      456
UST INC                        COMMON STOCK     902911106       29     2000 SH       DEFINED                2000        0        0
UST INC                        COMMON STOCK     902911106      169    11500 SH       OTHER                 11500        0        0
USX MARATHON GROUP             COMMON STOCK     902905827       14      576 SH       OTHER                   576        0        0
USX US STEEL GROUP             COMMON STOCK     90337T101        1       65 SH       OTHER                    65        0        0
UTILCORP UNITED INC.           COMMON STOCK     918005109        9      450 SH       DEFINED                 450        0        0
V F CORP                       COMMON STOCK     918204108        0        1 SH       OTHER                     0        0        1
VIACOM INC CLASS B             COMMON STOCK     925524308      142     2083 SH       DEFINED                2083        0        0
VIACOM INC CLASS B             COMMON STOCK     925524308      148     2169 SH       OTHER                  2169        0        0
VIAD CORP                      COMMON STOCK     92552R109       20      751 SH       DEFINED                 751        0        0
VIAD CORP                      COMMON STOCK     92552R109       16      600 SH       OTHER                   600        0        0
VLASIC FOODS INTERNATIONAL     COMMON STOCK     928559103        0      160 SH       OTHER                     0      160        0
WACHOVIA CORP                  COMMON STOCK     929771103     3391    62501 SH       DEFINED               60201        0     2300
WACHOVIA CORP                  COMMON STOCK     929771103      394     7256 SH       OTHER                  6756      350      150
WAL MART STORES INC            COMMON STOCK     931142103     2047    35530 SH       DEFINED               31885        0     3645
WAL MART STORES INC            COMMON STOCK     931142103     1091    18925 SH       OTHER                 16425      100     2400
WALT DISNEY COMPANY            COMMON STOCK     254687106      244     6283 SH       DEFINED                5283        0     1000
WALT DISNEY COMPANY            COMMON STOCK     254687106       71     1830 SH       OTHER                  1680      150        0
WASHINGTON GAS LIGHT CO        COMMON STOCK     938837101      425    17680 SH       DEFINED               15980        0     1700
WASHINGTON GAS LIGHT CO        COMMON STOCK     938837101      211     8769 SH       OTHER                  6169     2600        0
WASHINGTON POST CO CL B        COMMON STOCK     939640108      134      280 SH       DEFINED                 280        0        0
WASTE MANAGEMENT INC           COMMON STOCK     94106L109        1       77 SH       DEFINED                  77        0        0
WASTE MANAGEMENT INC           COMMON STOCK     94106L109        4      200 SH       OTHER                   200        0        0
WATER PIK TECHNOLOGIES INC     COMMON STOCK     94113U100        0       15 SH       OTHER                    15        0        0
WELLS FARGO COMPANY            COMMON STOCK     949746101       94     2420 SH       DEFINED                2420        0        0
WELLS FARGO COMPANY            COMMON STOCK     949746101       39     1000 SH       OTHER                  1000        0        0
WENDYS INTL INC                COMMON STOCK     950590109        8      442 SH       OTHER                   442        0        0
WESTVACO CORP                  COMMON STOCK     961548104      326    13139 SH       DEFINED               13139        0        0
WEYERHAEUSER CO                COMMON STOCK     962166104       62     1442 SH       DEFINED                1442        0        0
WHITMAN CORP                   COMMON STOCK     96647R107      150    12143 SH       DEFINED               12143        0        0
WILLIAMS SONOMA INC            COMMON STOCK     969904101       39     1200 SH       DEFINED                1200        0        0
WILMINGTON TRUST CORP          COMMON STOCK     971807102      277     6480 SH       OTHER                  6480        0        0
WINN DIXIE STORES INC          COMMON STOCK     974280109        5      375 SH       DEFINED                 375        0        0
WINNEBAGO INDUSTRIES INC       COMMON STOCK     974637100        7      500 SH       OTHER                   500        0        0
WISCONSIN ENERGY CORP          COMMON STOCK     976657106       30     1524 SH       DEFINED                 750        0      774
WISCONSIN ENERGY CORP          COMMON STOCK     976657106       37     1879 SH       OTHER                  1879        0        0
WMS INDUSTRIES                 COMMON STOCK     929297109        8      500 SH       DEFINED                 500        0        0
WORLDCOM INC                   COMMON STOCK     98157D106     2183    47592 SH       DEFINED               42291        0     5301
WORLDCOM INC                   COMMON STOCK     98157D106      674    14700 SH       OTHER                 14700        0        0
XEROX CORP                     COMMON STOCK     984121103       11      528 SH       DEFINED                 458        0       70
3 COM CORP                     COMMON STOCK     885535104        5       79 SH       DEFINED                  79        0        0
AEGON N.V. ADR                 COMMON STOCK     007924103    12458   349694 SH       DEFINED              349694        0        0
AEGON N.V. ADR                 COMMON STOCK     007924103       68     1916 SH       OTHER                  1916        0        0
ALCATEL SA                     COMMON STOCK     013904305      100     1504 SH       DEFINED                 200        0     1304
BARRICK GOLD CORP              COMMON STOCK     067901108        3      146 SH       DEFINED                 146        0        0
BP AMOCO PLC                   COMMON STOCK     055622104     2934    51878 SH       DEFINED               50312        0     1566
BP AMOCO PLC                   COMMON STOCK     055622104      598    10576 SH       OTHER                  8262     1646      668
COCA-COLA FEMSA S.A. ADR       COMMON STOCK     191241108       19     1000 SH       DEFINED                   0        0     1000
DIAGEO PLC SPONSORED ADR (NEW) COMMON STOCK     25243Q205       15      432 SH       DEFINED                 432        0        0
ECHO BAY MINES LTD             COMMON STOCK     278751102        6     5332 SH       OTHER                  5332        0        0
ENDESA S.A. ADR                COMMON STOCK     29258N107       31     1600 SH       OTHER                  1600        0        0
ERICSSON L M TEL CO ADR CL B   COMMON STOCK     294821400       32     1600 SH       DEFINED                   0        0     1600
GALLAHER GROUP PLC ADR         COMMON STOCK     363595109       83     3864 SH       DEFINED                3864        0        0
GALLAHER GROUP PLC ADR         COMMON STOCK     363595109       30     1400 SH       OTHER                  1400        0        0
GLAXO WELCOME PLC ADR          COMMON STOCK     37733W105       98     1700 SH       OTHER                  1700        0        0
GOLD FIELDS LTD-SP ADR         COMMON STOCK     38059T106        1      345 SH       DEFINED                 345        0        0
LERNOUT & HAUSPIE SPEECH RPO   COMMON STOCK     B5628B104       13      300 SH       OTHER                   300        0        0
MANULIFE FINANCIAL CORP        COMMON STOCK     56501R106       82     4579 SH       DEFINED                4579        0        0
NISSAN MTR LTD-SPON ADR        COMMON STOCK     654744408        6      500 SH       DEFINED                 500        0        0
NOKIA CORP SPONSORED ADR       COMMON STOCK     654902204       20      400 SH       OTHER                   400        0        0
NORTEL NETWORKS CORP           COMMON STOCK     656568102      273     4000 SH       DEFINED                4000        0        0
POTASH CORP                    COMMON STOCK     73755L107       22      400 SH       OTHER                   400        0        0
REUTERS GROUP PLC SPONSORED AD COMMON STOCK     76132M102       10      104 SH       OTHER                   104        0        0
ROYAL DUTCH PETE CO            COMMON STOCK     780257804      302     4900 SH       DEFINED                4900        0        0
ROYAL DUTCH PETE CO            COMMON STOCK     780257804       46      750 SH       OTHER                   750        0        0
SCOTTISH PWR PLC               COMMON STOCK     81013T705        5      147 SH       DEFINED                 147        0        0
SCOTTISH PWR PLC               COMMON STOCK     81013T705        7      217 SH       OTHER                   217        0        0
SHELL TRANS & TRADING PLC ADR  COMMON STOCK     822703609       20      400 SH       DEFINED                 400        0        0
SMITHKLINE BEECHAM PLC ADR     COMMON STOCK     832378301       26      400 SH       DEFINED                 400        0        0
TELEFONICA S A ADR             COMMON STOCK     879382208       61      954 SH       OTHER                   954        0        0
TELEFONOS DE MEXICO-CL L ADR   COMMON STOCK     879403780       23      400 SH       OTHER                   400        0        0
UNILEVER N V NY SHS            COMMON STOCK     904784709      100     2335 SH       DEFINED                2335        0        0
UNILEVER N V NY SHS            COMMON STOCK     904784709       15      357 SH       OTHER                   357        0        0
VODAFONE AIRTOUCH PLC          COMMON STOCK     92857T107      706    17041 SH       DEFINED               14056        0     2985
VODAFONE AIRTOUCH PLC          COMMON STOCK     92857T107      180     4335 SH       OTHER                  4335        0        0
ROYAL BANK OF SCOTLAND 8.50% P PREFERRED STOCK  780097804        2      100 SH       DEFINED             N.A.     N.A.     N.A.
NATIONAL AUSTRALIA BANK 7.875% PREFERRED STOCK  632525309       11      400 SH       DEFINED             N.A.     N.A.     N.A.
TRANS WORLD AIRLINES - WTS 8/2 OTHER            893349134        0      200 SH       DEFINED                 200        0        0
WEBFINANCIAL CORP WTS EXP 4/28 OTHER            94767P118        0       46 SH       OTHER                    46        0        0
AMERICAN INDUSTRIAL PROPERTIES OTHER            026791202        2      166 SH       DEFINED                 166        0        0
AMLI RESIDENTIAL PPTYS TR      OTHER            001735109       24     1000 SH       DEFINED                1000        0        0
BNP RESIDENTIAL PPTYS INC      OTHER            05564T103        2      250 SH       DEFINED                 250        0        0
CARRAMERICA REALTY CORP        OTHER            144418100       11      400 SH       DEFINED                 200        0      200
CHARLES E SMITH RESIDENTIAL RL OTHER            832197107       38     1000 SH       DEFINED                1000        0        0
CORNERSTONE REALTY INCOME TRUS OTHER            21922V102       17     1700 SH       DEFINED                1700        0        0
CORNERSTONE REALTY INCOME TRUS OTHER            21922V102       10     1000 SH       OTHER                     0     1000        0
FEDERAL REALTY INVT TR SH BEN  OTHER            313747206       14      700 SH       DEFINED                 300        0      400
FEDERAL REALTY INVT TR SH BEN  OTHER            313747206       21     1064 SH       OTHER                  1064        0        0
FIRST WASHINGTON REALTY TRUST  OTHER            337489504       28     1250 SH       OTHER                  1250        0        0
GLENBOROUGH REALTY TRUST INC   OTHER            37803P105       24     1400 SH       DEFINED                1400        0        0
HEALTH CARE REIT INC           OTHER            42217K106       33     2011 SH       DEFINED                2011        0        0
HOST MARRIOTT CORP (NEW)       OTHER            44107P104      163    17378 SH       DEFINED               17098        0      280
HOST MARRIOTT CORP (NEW)       OTHER            44107P104       94    10077 SH       OTHER                 10077        0        0
HRPT PROPERTIES TRUST          OTHER            40426W101        3      500 SH       DEFINED                 500        0        0
MEDITRUST CORP                 OTHER            58501T306        5     1329 SH       DEFINED                1329        0        0
MEDITRUST CORP                 OTHER            58501T306        2      480 SH       OTHER                   480        0        0
MID-ATLANTIC REALTY TRUST      OTHER            595232109       10     1000 SH       OTHER                  1000        0        0
PENNSYLVANIA REAL ESTATE INV T OTHER            709102107       41     2400 SH       DEFINED                   0        0     2400
PENNSYLVANIA REAL ESTATE INV T OTHER            709102107       23     1350 SH       OTHER                     0     1350        0
REALTY INCOME CORP             OTHER            756109104       14      597 SH       OTHER                   597        0        0
SAUL CENTERS                   OTHER            804395101       40     2500 SH       DEFINED                2500        0        0
SHURGARD STORAGE CENTERS-A     OTHER            82567D104       69     3071 SH       DEFINED                3071        0        0
SOVRAN SELF STORAGE INC        OTHER            84610H108       26     1200 SH       DEFINED                1200        0        0
UNITED DOMINION REALTY         OTHER            910197102       53     4800 SH       DEFINED                   0        0     4800
WASHINGTON REAL ESTATE INV TRU OTHER            939653101      115     6425 SH       DEFINED                6425        0        0
WASHINGTON REAL ESTATE INV TRU OTHER            939653101      165     9250 SH       OTHER                  1250     8000        0
ACM GOVT INCOME FD INC         OTHER            000912105       18     2500 SH       DEFINED             N.A.     N.A.     N.A.
ACM GOVT INCOME FD INC         OTHER            000912105        7     1000 SH       OTHER               N.A.     N.A.     N.A.
ADAMS EXPRESS CO               OTHER            006212104       75     2028 SH       DEFINED             N.A.     N.A.     N.A.
ADAMS EXPRESS CO               OTHER            006212104       24      655 SH       OTHER               N.A.     N.A.     N.A.
BANCROFT CONVERTIBLE FUND      OTHER            059695106       13      604 SH       DEFINED             N.A.     N.A.     N.A.
BLACKROCK INCOME TRUST         OTHER            09247F100        3      500 SH       DEFINED             N.A.     N.A.     N.A.
DELAWARE GROUP GLOBAL DIV & IN OTHER            245916101        9      800 SH       DEFINED             N.A.     N.A.     N.A.
DUFF & PHELPS UTILITIES INCOME OTHER            264324104       53     5535 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        3      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       24     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.
INVESCO GLOBAL HEALTH SCIENCES OTHER            46128N109       18     1000 SH       DEFINED             N.A.     N.A.     N.A.
JOHN HANCOCK PATRIOT PREM DIV  OTHER            41013T105       20     2100 SH       DEFINED             N.A.     N.A.     N.A.
MFS GOVT MKTS INC TR SH BEN IN OTHER            552939100        4      726 SH       DEFINED             N.A.     N.A.     N.A.
MFS INTERMEDIATE INCOME TRUST  OTHER            55273C107       13     2000 SH       DEFINED             N.A.     N.A.     N.A.
MFS INTERMEDIATE INCOME TRUST  OTHER            55273C107        4      700 SH       OTHER               N.A.     N.A.     N.A.
NASDAQ-100 SHARES              OTHER            631100104       13      140 SH       DEFINED             N.A.     N.A.     N.A.
NATIONS BALANCED TARGET MATURI OTHER            63857K107       14     1679 SH       DEFINED             N.A.     N.A.     N.A.
PUTNAM MASTER INTERMEDIATE INC OTHER            746909100       19     3000 SH       DEFINED             N.A.     N.A.     N.A.
SALOMON BROTHERS FUND          OTHER            795477108      212    12067 SH       DEFINED             N.A.     N.A.     N.A.
TEMPLETON CHINA WORLD FUND     OTHER            88018X102        2      300 SH       OTHER               N.A.     N.A.     N.A.
ZWEIG TOTAL RETURN FD INC      OTHER            989837109       16     2466 SH       DEFINED             N.A.     N.A.     N.A.
1838 BOND DEB TRADING FUND     OTHER            282520105       35     1981 SH       OTHER               N.A.     N.A.     N.A.
BLACKROCK MUNI TARGET TERM TRU OTHER            09247M105       30     2972 SH       OTHER               N.A.     N.A.     N.A.
COLONIAL HIGH INCOME MUN. TRUS OTHER            195743109       17     2820 SH       DEFINED             N.A.     N.A.     N.A.
DREYFUS STRATEGIC MUNS INC     OTHER            261932107       25     3074 SH       DEFINED             N.A.     N.A.     N.A.
KEMPER MUNI INCOME TRUST       OTHER            48842C104       36     3191 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STANLEY DW INS MUNI BD  OTHER            61745P817        7      500 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INSD MUNI OPPORTUNITY F OTHER            670984103        4      331 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INSURED QUALITY MUNICIP OTHER            67062N103       26     1999 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INVT QUALITY MUN FD INC OTHER            67062E103        9      700 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MD PREM INCOME MUN FD   OTHER            67061Q107       19     1353 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MD PREM INCOME MUN FD   OTHER            67061Q107        6      443 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN MUNI MARKET OPPORTUNITY OTHER            67062W103        5      350 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN MUNICIPAL ADVANTAGE FUN OTHER            67062H106       20     1600 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNICIPAL VALUE FUND IN OTHER            670928100       30     3500 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNICIPAL VALUE FUND IN OTHER            670928100       25     3000 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN PERFORMANCE PLUS MUNI F OTHER            67062P108       21     1766 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PERFORMANCE PLUS MUNI F OTHER            67062P108        2      200 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN PREMIER INSD MUNI INCOM OTHER            670987106        8      601 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PREMIUM INCOME MUNICIPA OTHER            6706K4105       20     1600 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PREMIUM INCOME MUNICIPA OTHER            67062T100       50     4200 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN QUALITY INCOME MUNI FD  OTHER            670977107        2      129 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN SELECT TAX-FREE INCOME  OTHER            67063C106       22     1575 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN VA PREM INCOME MUN FD   OTHER            67064R102       83     5810 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN VA PREM INCOME MUN FD   OTHER            67064R102       57     4000 SH       OTHER               N.A.     N.A.     N.A.
PUTNAM MANAGED MUNI INCOME TRU OTHER            746823103       23     2500 SH       DEFINED             N.A.     N.A.     N.A.
PUTNAM MUNI OPPORTUNITIES TRUS OTHER            746922103        8      666 SH       DEFINED             N.A.     N.A.     N.A.
VKM AMER CAPITAL INV GRADE MUN OTHER            920929106       13     1000 SH       DEFINED             N.A.     N.A.     N.A.
EIF UIT 1ST EXCH SER AT&T SHRS OTHER            294700703       73      420 SH       DEFINED             N.A.     N.A.     N.A.
TCW / DW TERM TRUST 2003       OTHER            87234U108        9     1000 SH       OTHER               N.A.     N.A.     N.A.
MSDW INSURED MUNICIPAL INCOME  OTHER            61745P791       13     1000 SH       OTHER               N.A.     N.A.     N.A.
AMERICAN CMNTY PPTYS TRUST L.P OTHER            02520N106        5     1150 SH       DEFINED             N.A.     N.A.     N.A.
CAREY DIVERSIFIED LLC          OTHER            14174P105       27     1649 SH       OTHER               N.A.     N.A.     N.A.
KINDER MORGAN ENERGY PARTNERS  OTHER            494550106        8      200 SH       DEFINED             N.A.     N.A.     N.A.
NATIONAL REALTY L.P.           OTHER            637353301       18     1524 SH       DEFINED             N.A.     N.A.     N.A.
</TABLE>


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