<TABLE>
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S> <C>
A T & T CORP. COM 001957109 1927 65597.9997SH SOLE 65597.9997
A X A FINANCIAL INC COM 002451102 1345 26400.0000SH SOLE 26400.0000
ABBOTT LABORATORIES COM 002824100 252 5300.0000SH SOLE 5300.0000
ADAPTEC COM 00651F108 607 30350.0000SH SOLE 30350.0000
ADVANCED MICRO-DEVICES COM 007903107 639 27060.0000SH SOLE 27060.0000
ADVANTA A COM 007942105 277 24600.0000SH SOLE 24600.0000
ALLEGHANY POWER COM 017361106 244 6400.0000SH SOLE 6400.0000
ALLSTATE INSURANCE COM 020002101 814 23429.0000SH SOLE 23429.0000
ALTEON WEBSYSTEMS COM 02145a109 929 8575.0000SH SOLE 8575.0000
AMBAC INC. COM 023139108 977 13335.0000SH SOLE 13335.0000
AMERICA ONLINE INC. DEL COM 02364J104 3430 63809.0000SH SOLE 63809.0000
AMERICAN ELECTRIC POWER COM 025537101 680 17377.0000SH SOLE 17377.0000
AMERICAN GEN CORP COM 026351106 395 5063.0000SH SOLE 5063.0000
AMERICAN HOME PRODUCTS COM 026609107 264 4660.0000SH SOLE 4660.0000
ANALOG DEVICES, INC. COM 032654105 495 6000.0000SH SOLE 6000.0000
ARIBA INC COM 04033v104 1215 8480.0000SH SOLE 8480.0000
ATMEL CORP. COM 049513104 4034 265600.0000SH SOLE 265600.00
BAKER HUGHES INC. COM 057224107 434 11700.0000SH SOLE 11700.0000
BANC ONE CORP. COM 06423a103 1300 33652.0000SH SOLE 33652.0000
BANK OF NEW YORK COM 064057102 1385 24704.4137SH SOLE 24704.4137
BANKAMERICA CORP. COM 060505104 1409 26904.0007SH SOLE 26904.0007
BELLSOUTH COM 079860102 1219 30276.0000SH SOLE 30276.0000
BRITISH PETROLEUM COM 055622104 3004 56671.0000SH SOLE 56671.0000
CABLETRON SYS INC COM 126920107 677 23050.0000SH SOLE 23050.0000
CALLAWAY GOLF COM 131193104 475 30900.0000SH SOLE 30900.0000
CAROLINA POWER & LIGHT COM 12614c106 367 8800.0000SH SOLE 8800.0000
CHARLES SCHWAB COM 808513105 1008 28405.5269SH SOLE 28405.5269
CHASE MANHATTAN CORP. COM 16161A108 1808 39151.3360SH SOLE 39151.3360
CHEVRON CORP. COM 166751107 378 4429.0009SH SOLE 4429.0009
CIENA CORP. COM 171779101 5656 46050.0000SH SOLE 46050.0000
CIGNA CORP. COM 125509109 538 5156.0007SH SOLE 5156.0007
CISCO SYSTEMS COM 17275R102 1509 27314.0000SH SOLE 27314.0000
CITIGROUP INC./C COM 172967101 3752 69404.0002SH SOLE 69404.0002
COMERICA INC. COM 200340107 566 9691.0000SH SOLE 9691.0000
COMMUNITY BANK SYSTEMS COM 203607106 244 9400.0000SH SOLE 9400.0000
COMPAQ COMPUTER COM 204493100 803 29130.0000SH SOLE 29130.0000
CONEXANT SYSTEMS INC COM 207142100 1156 27605.0000SH SOLE 27605.0000
CORSAIR COMMUNICATIONS COM 220406102 196 25100.0000SH SOLE 25100.0000
CORVIS CORP COM 221009103 673 11030.0000SH SOLE 11030.0000
DANA CORPORATION COM 235811106 279 13000.0000SH SOLE 13000.0000
DIME BANCORP INC. COM 25429Q102 873 40500.0000SH SOLE 40500.0000
DOMINION RESOURCES VA COM 25746u109 1826 31446.0000SH SOLE 31446.0000
ELANTEC SEMICONDUCTOR, INC. COM 284155108 249 2500.0000SH SOLE 2500.0000
ELECTRONICS FOR IMAGING COM 286082102 583 23100.0000SH SOLE 23100.0000
EMC COM 268648102 476 4800.0000SH SOLE 4800.0000
EXTREME NETWORKS COM 30226D106 1951 17040.0000SH SOLE 17040.0000
EXXON MOBIL CORPORATION COM 30231g102 203 2274.0000SH SOLE 2274.0000
FAIRCHILD SEMICONDUCTOR COM 303726103 796 28300.0000SH SOLE 28300.0000
FEDERAL NATIONAL MORTGAGE COM 313586109 1042 14567.0000SH SOLE 14567.0000
FEDERATED DEPARTMENT STORES COM 31410h101 317 12150.0000SH SOLE 12150.0000
FIRST SECURITY CORP. COM 336294104 242 14817.0000SH SOLE 14817.0000
FIRST UNION CO. COM 337358105 1136 35300.0000SH SOLE 35300.0000
FLEETBOSTON FINANCIAL CORP. COM 339030108 1680 43072.0000SH SOLE 43072.0000
FLORIDA PROGRESS CORP. COM 341109106 214 4050.0000SH SOLE 4050.0000
FOUNDRY NETWORKS, INC COM 35063r100 311 4645.0000SH SOLE 4645.0000
FRIEDE GOLDMAN HALTER COM 358430106 306 43300.0000SH SOLE 43300.0000
GBC BANCORP. COM 361475106 299 8786.0000SH SOLE 8786.0000
GENERAL ELECTRIC COM 369604103 1738 30130.0000SH SOLE 30130.0000
GENZYME COM 372917104 3293 48300.0000SH SOLE 48300.0000
GLOBAL CROSSING LIMITED COM G3921A100 1181 38110.0000SH SOLE 38110.0000
GLOBAL MARINE COM 379352404 1463 47400.0000SH SOLE 47400.0000
GREATER BAY BANCORP COM 391648102 663 9552.0000SH SOLE 9552.0000
HARTFORD FINANCIAL GROUP COM 416515104 226 3100.0000SH SOLE 3100.0000
HOUSEHOLD INTERNATIONAL COM 441815107 544 9600.0000SH SOLE 9600.0000
HUDSON UNITED BANCORP COM 444165104 543 19660.0000SH SOLE 19660.0000
IMPERIAL BANCORP COM 452556103 2582 135016.0000SH SOLE 135016.00
INFORMIX COM 456779107 876 212250.0000SH SOLE 212250.00
INTEL CORP. COM 458140100 859 20674.0000SH SOLE 20674.0000
INTERNATIONAL BUSINESS MACHINE COM 459200101 790 7020.0697SH SOLE 7020.0697
INTERSIL HOLDING CORPORATION COM 46069s109 1345 26975.0000SH SOLE 26975.0000
IVAX CORP COM 465823102 322 7000.0000SH SOLE 7000.0000
JDS UNIPHASE CORPORATION COM 46612J101 1243 13125.0000SH SOLE 13125.0000
JUNIPER NETWORKS, INC COM 48203r104 438 2000.0000SH SOLE 2000.0000
LEGATO SYSTEM INC COM 524651106 521 38750.0000SH SOLE 38750.0000
LIGHTPATH TECHNOLOGIES INC COM 532257102 549 11550.0000SH SOLE 11550.0000
LINCOLN NATIONAL CORP. COM 534187109 645 13400.0000SH SOLE 13400.0000
LUCENT TECHNOLOGIES COM 549463107 740 24196.0000SH SOLE 24196.0000
MARCHFIRST, INC COM 566244109 234 14943.0000SH SOLE 14943.0000
MBIA INC. COM 55262c100 683 9600.0000SH SOLE 9600.0000
MBNA COM 55262L100 2339 60750.0000SH SOLE 60750.0000
MCKESSON CORP COM 58155q103 1473 48200.0000SH SOLE 48200.0000
MELLON BANK CO. COM 585509102 223 4800.0000SH SOLE 4800.0000
MERCK & CO. COM 589331107 794 10670.0000SH SOLE 10670.0000
MGIC INVESTMENT COM 552848103 685 11200.0000SH SOLE 11200.0000
MIPS TECHNOLOGIES COM 604567206 479 12441.0000SH SOLE 12441.0000
NEIMAN MARCUS GROUP COM 640204202 1450 44700.0000SH SOLE 44700.0000
NEVADA FIRST BANK COM 120 10000.0000SH SOLE 10000.0000
NORTEL NETWORKS CORP COM 656568102 2468 41430.0000SH SOLE 41430.0000
NSTAR COM 67019E107 352 8750.0000SH SOLE 8750.0000
OCCIDENTAL PETROLEUM COM 674599105 378 17342.0000SH SOLE 17342.0000
OFFICEMAX COM 67622m108 141 39600.0000SH SOLE 39600.0000
ONI SYSTEMS CORP COM 68273f103 1034 11975.0000SH SOLE 11975.0000
ORACLE CORP. COM 68389x105 2053 26074.0000SH SOLE 26074.0000
PACIFIC UNION BANK CALIFORNIA COM 695025106 216 23000.0000SH SOLE 23000.0000
PALM INC COM 696642107 311 5879.0000SH SOLE 5879.0000
PARAMETRIC TECHNOLOGIES COM 699173100 269 24615.0000SH SOLE 24615.0000
PENNEY JC CO INC COM 708160106 225 19050.0000SH SOLE 19050.0000
PFIZER INC. COM 717081103 792 17615.0000SH SOLE 17615.0000
PMC-SIERRA COM 69344F106 4557 21172.0000SH SOLE 21172.0000
PNC FINANCIAL SERVICES GROUP COM 693475105 2922 44953.0000SH SOLE 44953.0000
POLYCOM INC COM 73172K104 404 6040.0000SH SOLE 6040.0000
PRE-PAID LEGAL SERVICES COM 740065107 821 25400.0000SH SOLE 25400.0000
PROCTER & GAMBLE COM 742718109 249 3714.0009SH SOLE 3714.0009
QUALCOMM INC COM 747525103 1298 18215.0000SH SOLE 18215.0000
QWEST COMMUNICATIONS INTL INC COM 749121109 2063 42927.0000SH SOLE 42927.0000
RELIANT ENERGIES COM 75952J108 1651 35500.0000SH SOLE 35500.0000
RIGGS NATIONAL CORP. COM 766570105 168 13700.0000SH SOLE 13700.0000
SAN JOSE NATIONAL BANK COM 784273104 624 17300.0000SH SOLE 17300.0000
SBC COMMUNICATIONS COM 78387G103 2787 55738.0000SH SOLE 55738.0000
SCHERING PLOUGH CORP. COM 806605101 381 8200.0000SH SOLE 8200.0000
SCOTTISH POWER ADS COM 81013T705 222 7391.0000SH SOLE 7391.0000
SEARS ROEBUCK & CO. COM 812387108 364 11239.0000SH SOLE 11239.0000
SILICON GRAPHICS COM 827056102 368 89100.0000SH SOLE 89100.0000
SILICON VALLEY BANK COM 827064106 5868 100760.0000SH SOLE 100760.00
SOUTHERN CO./SO COM 842587107 584 18012.7700SH SOLE 18012.7700
SYCAMORE NETWORKS INC COM 871206108 1341 12415.0000SH SOLE 12415.0000
SYMANTEC CORP COM 871503108 1327 30150.0000SH SOLE 30150.0000
T C F FINANCIAL CORP COM 872275102 1264 33600.0000SH SOLE 33600.0000
TELEGLOBE INC./TGO COM 87941v100 280 13342.0000SH SOLE 13342.0000
TEXAS UTILITIES COM 873168108 1104 27850.0000SH SOLE 27850.0000
TIDEWATER INC. COM 886423102 1128 24800.0000SH SOLE 24800.0000
UNUM CORP COM 91529y106 300 11000.0000SH SOLE 11000.0000
VERIZON COMMUNICATIONS COM 92343v104 2630 54292.0000SH SOLE 54292.0000
WELLPOINT HEALTH NETWORKS COM 94973H108 266 2773.0000SH SOLE 2773.0000
WILMINGTON TRUST CORP. COM 971807102 327 6100.0000SH SOLE 6100.0000
KRISTON MEDICAL INC. 25 25000 SH SOLE 25000
AMCAD FUND AMERICAN FUNDS 023375108 237 12447.022SH SOLE 12447.022
DFA US LARGE CAP VALUE III 25434d807 167 10357.231SH SOLE 10357.231
PUTNAM INVESTORS A 746809102 271 14719.756SH SOLE 14719.756
SCHWAB 1000 FUND SELECT SHARES 808517809 1142 28311.912SH SOLE 28311.912
SCHWAB CA MUNI MONEY FD ADVANT 808515407 1590 1590292.970SH SOLE 1590292.97
SCHWAB VALUE ADVANTAGE MONEY F 808515605 259 258719.510SH SOLE 258719.510
VANGUARD 500 FUND 922908108 210 1584.093 SH SOLE 1584.093
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