UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 4/23/99
CHECK HERE IF AMENDMENT ( ); AMENDMENT NUMBER:
THIS AMENDMENT (CHECK ONLY ONE.): ( ) IS A RESTATEMENT.
( ) ADDS NEW HOLDINGS ENTRIES
INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT:
NAME: F&M TRUST COMPANY
ADDRESS: 38 ROUSS AVE
FIRST FLOOR
WINCHESTER *ENTER INVES, VA 22601
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: BLAKE CURTIS
TITLE: VICE PRESIDENT
PHONE: (540)665-4375
SIGNATURE,PLACE,AND DATE OF SIGNING:
BLAKE CURTIS WINCHESTER, VA 3/31/99
REPORT TYPE (CHECK ONLY ONE.):
( X) 13F HOLDINGS REPORT
( ) 13F NOTICE
( ) 13F COMBINATION REPORT
LIST OF OTHER MANAGERS REPORTING FOR THIS MANAGER:
NONE
I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE ACT OF 1934.
<PAGE>
FORM 13F SUMMARY PAGE
REPORT SUMMARY:
NUMBER OF OTHER INCLUDED MANAGERS: 0
FORM 13F INFORMATION TABLE ENTRY TOTAL: 460
FORM 13F INFORMATION TABLE VALUE TOTAL: $259,667,170
<PAGE>
<TABLE>
<CAPTION>
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
- - ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C>
ABBOTT LABORATORIES COMMON STOCK 002824100 366167 78220 SH DEFINED 78220 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 7490 1600 SH OTHER 1600 0 0
ABOVENET COMMUNICATIONS INC COMMON STOCK 003743101 2617 200 SH DEFINED 200 0 0
ACNIELSEN CORP COMMON STOCK 004833109 5425 2000 SH DEFINED 2000 0 0
AETNA INC COMMON STOCK 008117103 1245 150 SH DEFINED 150 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 10960 3200 SH DEFINED 3200 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 685 200 SH OTHER 200 0 0
AIRGAS INC COMMON STOCK 009363102 11649 13910 SH DEFINED 13910 0 0
AIRTOUCH COMMUNICATIONS INC COMMON STOCK 00949T100 118771 12292 SH DEFINED 12292 0 0
AIRTOUCH COMMUNICATIONS INC COMMON STOCK 00949T100 966 100 SH OTHER 100 0 0
ALLEGHENY ENERGY INC COMMON STOCK 017361106 149742 50760 SH DEFINED 50760 0 0
ALLEGHENY ENERGY INC COMMON STOCK 017361106 8702 2950 SH OTHER 2950 0 0
ALLIED-SIGNAL CORPORATION COMMON STOCK 019512102 125187 25451 SH DEFINED 25451 0 0
ALLSTATE CORP COMMON STOCK 020002101 741 200 SH DEFINED 200 0 0
ALLTEL CORP COMMON STOCK 020039103 228966 36708 SH DEFINED 36708 0 0
ALLTEL CORP COMMON STOCK 020039103 3742 600 SH OTHER 600 0 0
ALZA CORP CLASS A COMMON STOCK 022615108 11092 2900 SH DEFINED 2900 0 0
AMERADA HESS CORP COMMON STOCK 023551104 508 100 SH DEFINED 100 0 0
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 14994 1020 SH DEFINED 1020 0 0
AMERICAN ELEC PWR CO COMMON STOCK 025537101 13585 3423 SH DEFINED 3423 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 277183 23540 SH DEFINED 23540 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 10597 900 SH OTHER 900 0 0
AMERICAN HOME PRODUCTS CORPORA COMMON STOCK 026609107 575231 88158 SH DEFINED 88158 0 0
AMERICAN HOME PRODUCTS CORPORA COMMON STOCK 026609107 17617 2700 SH OTHER 2700 0 0
AMERICAN INTL GROUP INC COMMON STOCK 026874107 6682 554 SH DEFINED 554 0 0
AMERICAN WOODMARK CORPORATION COMMON STOCK 030506109 1963 621 SH DEFINED 621 0 0
AMERICAN WTR WKS INC COMMON STOCK 030411102 3495 1200 SH DEFINED 1200 0 0
AMERITECH CORP NEW COMMON STOCK 030954101 38240 6636 SH DEFINED 6636 0 0
AMETEK INC NEW COMMON STOCK 031100100 584 320 SH DEFINED 320 0 0
AMGEN INC COMMON STOCK 031162100 19093 2550 SH DEFINED 2550 0 0
AMP INC COMMON STOCK 031897101 20865 3900 SH DEFINED 3900 0 0
ANHEUSER-BUSCH COMPANIES INC COMMON STOCK 035229103 5557 730 SH DEFINED 730 0 0
AON CORPORATION COMMON STOCK 037389103 18386 2907 SH DEFINED 2907 0 0
APOLLO GROUP INC CL A COMMON STOCK 037604105 3 1 SH DEFINED 1 0 0
AQUARION CO COMMON STOCK 03838W101 4125 1500 SH DEFINED 1500 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 528 360 SH DEFINED 360 0 0
ASSOCIATES FIRST CAP CORP CL A COMMON STOCK 046008108 68391 15198 SH DEFINED 15198 0 0
ASSOCIATES FIRST CAP CORP CL A COMMON STOCK 046008108 18387 4086 SH OTHER 4086 0 0
AT & T CORP COMMON STOCK 001957109 147062 18426 SH DEFINED 18426 0 0
ATLANTIC RICHFIELD COMPANY COMMON STOCK 048825103 170454 23310 SH DEFINED 23310 0 0
ATLANTIC RICHFIELD COMPANY COMMON STOCK 048825103 4387 600 SH OTHER 600 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 172740 41750 SH DEFINED 41750 0 0
AVON PRODS INC COMMON STOCK 054303102 3294 700 SH DEFINED 700 0 0
BALTO GAS & ELECTRIC CO COMMON STOCK 059165100 7231 2850 SH DEFINED 2850 0 0
BANC ONE CORP COMMON STOCK 06423A103 21606 3924 SH DEFINED 3924 0 0
BANCROFT CONV FUND INC COMMON STOCK 059695106 1455 638 SH DEFINED 638 0 0
BANKAMERICA CORP NEW COMMON STOCK 06605F102 407188 57655 SH DEFINED 57655 0 0
BANKAMERICA CORP NEW COMMON STOCK 06605F102 7041 997 SH OTHER 997 0 0
BANKERS TRUST NEW YORK CORP COMMON STOCK 066365107 1765 200 SH DEFINED 200 0 0
BANKERS TRUST NEW YORK CORP COMMON STOCK 066365107 3530 400 SH OTHER 400 0 0
BARD (C.R.) COMPANY COMMON STOCK 067383109 7061 1400 SH DEFINED 1400 0 0
BAXTER INTERNATIONAL INCORPORA COMMON STOCK 071813109 7458 1130 SH DEFINED 1130 0 0
BB & T CORP COMMON STOCK 054937107 55674 15385 SH DEFINED 15385 0 0
BELL ATLANTIC CORP. COMMON STOCK 077853109 304697 58950 SH DEFINED 58950 0 0
BELL ATLANTIC CORP. COMMON STOCK 077853109 18855 3648 SH OTHER 3648 0 0
BELLSOUTH CORP COMMON STOCK 079860102 233296 58233 SH DEFINED 58233 0 0
BELLSOUTH CORP COMMON STOCK 079860102 22030 5499 SH OTHER 5499 0 0
BERKSHIRE HATHAWAY INC DEL CL COMMON STOCK 084670108 7150 1 SH DEFINED 1 0 0
BESTFOODS COMMON STOCK 08658U101 36613 7790 SH DEFINED 7790 0 0
BESTFOODS COMMON STOCK 08658U101 10810 2300 SH OTHER 2300 0 0
BIOMET INCORPORATED COMMON STOCK 090613100 4193 1000 SH DEFINED 1000 0 0
BODDIE-NOELL PPTYS INC COMMON STOCK 096903109 3412 3000 SH DEFINED 3000 0 0
BOEING COMPANY COMMON STOCK 097023105 48222 14183 SH DEFINED 14183 0 0
BOEING COMPANY COMMON STOCK 097023105 510 150 SH OTHER 150 0 0
BRISTOL-MYERS SQUIBB COMPANY COMMON STOCK 110122108 733750 114425 SH DEFINED 114425 0 0
BRISTOL-MYERS SQUIBB COMPANY COMMON STOCK 110122108 22123 3450 SH OTHER 3450 0 0
BROWNING FERRIS INDS INC COMMON STOCK 115885105 771 200 SH DEFINED 200 0 0
BRUSH WELLMAN INC COMMON STOCK 117421107 725 500 SH DEFINED 500 0 0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK 12189T104 1913 582 SH DEFINED 582 0 0
BURLINGTON RES INC COMMON STOCK 122014103 331 83 SH DEFINED 83 0 0
CABLEVISION SYS CORP CL A COMMON STOCK 12686C109 370 50 SH DEFINED 50 0 0
CADMUS COMMUNICATIONS CORP COMMON STOCK 127587103 1052 732 SH DEFINED 732 0 0
CAMPBELL SOUP COMPANY COMMON STOCK 134429109 2848 700 SH DEFINED 700 0 0
CAPITAL ONE FINL CORP COMMON STOCK 14040H105 490885 32509 SH DEFINED 32509 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 211 32 SH DEFINED 32 0 0
CARNIVAL CORP CL A COMMON STOCK 143658102 2185 450 SH DEFINED 450 0 0
CAROLINA PWR & LT CO COMMON STOCK 144141108 14330 3790 SH DEFINED 3790 0 0
CATERPILLAR INC COMMON STOCK 149123101 87740 19100 SH DEFINED 19100 0 0
CBS CORP COMMON STOCK 12490K107 4489 1100 SH DEFINED 1100 0 0
CBS CORP COMMON STOCK 12490K107 1632 400 SH OTHER 400 0 0
CCC INFORMATION SVCS GROUP INC COMMON STOCK 12487Q109 1685 1450 SH DEFINED 1450 0 0
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 2578 1100 SH DEFINED 1100 0 0
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 2978 366 SH DEFINED 366 0 0
CHEVRON CORPORATION COMMON STOCK 166751107 336176 37879 SH DEFINED 37879 0 0
CHEVRON CORPORATION COMMON STOCK 166751107 1775 200 SH OTHER 200 0 0
CHOICE HOTELS INTL INC COMMON STOCK 169905106 562 400 SH OTHER 400 0 0
CHUBB CORP COMMON STOCK 171232101 50217 8575 SH DEFINED 8575 0 0
CHUBB CORP COMMON STOCK 171232101 1171 200 SH OTHER 200 0 0
CINCINNATI BELL INC COMMON STOCK 171870108 5272 2350 SH DEFINED 2350 0 0
CINCINNATI BELL INC COMMON STOCK 171870108 673 300 SH OTHER 300 0 0
CIRCUIT CITY STORES INC COMMON STOCK 172737108 4597 600 SH DEFINED 600 0 0
CIRCUIT CITY STORES INC COMMON STOCK 172737108 1149 150 SH OTHER 150 0 0
CISCO SYS INC COMMON STOCK 17275R102 10266 937 SH DEFINED 937 0 0
CITIGROUP INC COMMON STOCK 172967101 55328 8662 SH DEFINED 8662 0 0
CITIGROUP INC COMMON STOCK 172967101 5314 832 SH OTHER 832 0 0
COCA COLA COMPANY COMMON STOCK 191216100 774521 126195 SH DEFINED 126195 0 0
COCA COLA COMPANY COMMON STOCK 191216100 28079 4575 SH OTHER 4575 0 0
COLGATE-PALMOLIVE COMPANY COMMON STOCK 194162103 303048 32940 SH DEFINED 32940 0 0
COLGATE-PALMOLIVE COMPANY COMMON STOCK 194162103 920 100 SH OTHER 100 0 0
COLONIAL MUN INCOME TR COMMON STOCK 195799101 820 1058 SH DEFINED 1058 0 0
COLUMBIA / HCA HEALTHCARE CORP COMMON STOCK 197677107 329 174 SH OTHER 174 0 0
COMMUNITY BANKSHARES INC VA COMMON STOCK 203631106 5221 2210 SH DEFINED 2210 0 0
COMPAQ COMPUTER CORP COMMON STOCK 204493100 240571 75920 SH DEFINED 75920 0 0
COMPAQ COMPUTER CORP COMMON STOCK 204493100 2059 650 SH OTHER 650 0 0
CONAGRA INCORPORATED COMMON STOCK 205887102 512 200 SH OTHER 200 0 0
CONECTIV INC COMMON STOCK 206829103 3390 1750 SH DEFINED 1750 0 0
CONEXANT SYS INC COMMON STOCK 207142100 659 238 SH DEFINED 238 0 0
CONEXANT SYS INC COMMON STOCK 207142100 1306 472 SH OTHER 472 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 2247 496 SH DEFINED 496 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 616 136 SH OTHER 136 0 0
CONSOLIDATED NAT GAS CO COMMON STOCK 209615103 43575 8950 SH DEFINED 8950 0 0
CONVERGYS CORP COMMON STOCK 212485106 4024 2350 SH DEFINED 2350 0 0
CONVERGYS CORP COMMON STOCK 212485106 513 300 SH OTHER 300 0 0
CORN PRODS INTL INC COMMON STOCK 219023108 418 175 SH DEFINED 175 0 0
CORN PRODS INTL INC COMMON STOCK 219023108 478 200 SH OTHER 200 0 0
CORNING INC COMMON STOCK 219350105 2880 480 SH DEFINED 480 0 0
COSTCO COMPANIES INC COMMON STOCK 22160Q102 915 100 SH DEFINED 100 0 0
COX COMMUNICATIONS INC NEW COMMON STOCK 224044107 2019 267 SH DEFINED 267 0 0
CRESTLINE CAP CORP COMMON STOCK 226153104 30 20 SH DEFINED 20 0 0
CROMPTON & KNOWLES COMMON STOCK 227111101 7323 4650 SH DEFINED 4650 0 0
CROMPTON & KNOWLES COMMON STOCK 227111101 787 500 SH OTHER 500 0 0
CROWN CORK & SEAL INC COMMON STOCK 228255105 1713 600 SH DEFINED 600 0 0
CSX CORPORATION COMMON STOCK 126408103 23934 6147 SH DEFINED 6147 0 0
CSX CORPORATION COMMON STOCK 126408103 2336 600 SH OTHER 600 0 0
CVS CORPORATION COMMON STOCK 126650100 42560 8960 SH DEFINED 8960 0 0
CYTEC INDS INC COMMON STOCK 232820100 220 99 SH DEFINED 99 0 0
CYTYC CORP COMMON STOCK 232946103 277 200 SH DEFINED 200 0 0
DAIMLERCHRYSLER AG ORD COMMON STOCK D1668R123 532 62 SH DEFINED 62 0 0
DANA CORP COMMON STOCK 235811106 10716 2820 SH DEFINED 2820 0 0
DEERE & CO COMMON STOCK 244199105 1545 400 SH DEFINED 400 0 0
DELTA AIR LINES INC DEL COMMON STOCK 247361108 5560 800 SH DEFINED 800 0 0
DIAL CORP NEW COMMON STOCK 25247D101 3492 1016 SH DEFINED 1016 0 0
DISNEY (WALT) CO NEW COMMON STOCK 254687106 126566 40664 SH DEFINED 40664 0 0
DISNEY (WALT) CO NEW COMMON STOCK 254687106 622 200 SH OTHER 200 0 0
DOMINION RESOURCES INC COMMON STOCK 257470104 67407 18249 SH DEFINED 18249 0 0
DOMINION RESOURCES INC COMMON STOCK 257470104 554 150 SH OTHER 150 0 0
DONALDSON INCORPORATED COMMON STOCK 257651109 1497 832 SH DEFINED 832 0 0
DONNELLEY (R.R.) & SONS COMPAN COMMON STOCK 257867101 836 260 SH DEFINED 260 0 0
DONNELLEY (R.R.) & SONS COMPAN COMMON STOCK 257867101 2575 800 SH OTHER 800 0 0
DOVER CORPORATION COMMON STOCK 260003108 2301 700 SH DEFINED 700 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 14583 1565 SH DEFINED 1565 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 465 50 SH OTHER 50 0 0
DOW JONES & CO INC COMMON STOCK 260561105 943 200 SH DEFINED 200 0 0
DQE INC COMMON STOCK 23329J104 575 150 SH DEFINED 150 0 0
DU PONT DE NEMOURS & COMPANY COMMON STOCK 263534109 164549 28340 SH DEFINED 28340 0 0
DUFF & PHELPHS UTILITIES INC COMMON STOCK 264324104 4300 4000 SH DEFINED 4000 0 0
DUFF & PHELPHS UTILITIES INC COMMON STOCK 264324104 2150 2000 SH OTHER 2000 0 0
DUKE ENERGY CORP COMMON STOCK 264399106 53579 9775 SH DEFINED 9775 0 0
DUKE ENERGY CORP COMMON STOCK 264399106 3562 650 SH OTHER 650 0 0
DUN & BRADSTREET CORP DEL COMMON STOCK 26483B106 2137 600 SH DEFINED 600 0 0
E M C CORP MASS COMMON STOCK 268648102 54293 4250 SH DEFINED 4250 0 0
EAGLE GEOPHYSICAL INC COMMON STOCK 269524104 114 300 SH DEFINED 300 0 0
EASTMAN KODAK COMPANY COMMON STOCK 277461109 7032 1101 SH DEFINED 1101 0 0
EATON CORP COMMON STOCK 278058102 643 90 SH OTHER 90 0 0
ECHELON INTL CORP COMMON STOCK 278747100 45 23 SH DEFINED 23 0 0
EL PASO ELEC CO COMMON STOCK 283677854 1 2 SH DEFINED 2 0 0
ELECTRONIC DATA SYS CORP NEW COMMON STOCK 285661104 10589 2175 SH DEFINED 2175 0 0
EMERSON ELECTRIC COMPANY COMMON STOCK 291011104 9264 1750 SH DEFINED 1750 0 0
ENRON CORPORATION COMMON STOCK 293561106 6296 980 SH DEFINED 980 0 0
ENTERGY CORP NEW COMMON STOCK 29364G103 2750 1000 SH DEFINED 1000 0 0
EQUIFAX INC COMMON STOCK 294429105 1375 400 SH DEFINED 400 0 0
EQUIFAX INC COMMON STOCK 294429105 5500 1600 SH OTHER 1600 0 0
EQUITABLE COMPANIES INC COMMON STOCK 29444G107 21 3 SH DEFINED 3 0 0
EXXON CORPORATION COMMON STOCK 302290101 419684 59477 SH DEFINED 59477 0 0
EXXON CORPORATION COMMON STOCK 302290101 11783 1670 SH OTHER 1670 0 0
F & M NATIONAL CORPORATION COMMON STOCK 302374103 440191 183413 SH DEFINED 183413 0 0
F & M NATIONAL CORPORATION COMMON STOCK 302374103 11143 4643 SH OTHER 4643 0 0
FEDERAL HOME LN MTG CORP COMMON STOCK 313400301 15474 2700 SH DEFINED 2700 0 0
FEDERAL NATL MTG ASSN COMMON STOCK 313586109 135245 19530 SH DEFINED 19530 0 0
FEDERAL NATL MTG ASSN COMMON STOCK 313586109 3462 500 SH OTHER 500 0 0
FEDERAL RLTY INVT TR COMMON STOCK 313747206 8898 4200 SH DEFINED 4200 0 0
FINOVA GROUP INC COMMON STOCK 317928109 2635 508 SH DEFINED 508 0 0
FIRST UNION CORP COMMON STOCK 337358105 222834 41700 SH DEFINED 41700 0 0
FIRST UNION CORP COMMON STOCK 337358105 8165 1528 SH OTHER 1528 0 0
FIRST UNITED CORP COMMON STOCK 33741H107 33075 20354 SH DEFINED 20354 0 0
FIRST VIRGINIA BANKS INCORPORA COMMON STOCK 337477103 140493 30751 SH DEFINED 30751 0 0
FIRST VIRGINIA BANKS INCORPORA COMMON STOCK 337477103 17895 3917 SH OTHER 3917 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 1825 652 SH DEFINED 652 0 0
FLEET FINL GROUP INC NEW COMMON STOCK 338915101 22255 5915 SH DEFINED 5915 0 0
FLEET FINL GROUP INC NEW COMMON STOCK 338915101 752 200 SH OTHER 200 0 0
FLORIDA PROGRESS CORP COMMON STOCK 341109106 43601 11550 SH DEFINED 11550 0 0
FMC CORP COMMON STOCK 302491303 923 187 SH DEFINED 187 0 0
FOOTSTAR INC COMMON STOCK 344912100 4124 1289 SH DEFINED 1289 0 0
FORD MOTOR COMPANY COMMON STOCK 345370100 154246 27210 SH DEFINED 27210 0 0
FORD MOTOR COMPANY COMMON STOCK 345370100 43649 7700 SH OTHER 7700 0 0
FORTUNE BRANDS INC COMMON STOCK 349631101 19192 4985 SH DEFINED 4985 0 0
FORTUNE BRANDS INC COMMON STOCK 349631101 1540 400 SH OTHER 400 0 0
FPL GROUP, INC COMMON STOCK 302571104 232841 43726 SH DEFINED 43726 0 0
FPL GROUP, INC COMMON STOCK 302571104 5325 1000 SH OTHER 1000 0 0
FULTON FINANCIAL CORPORATION COMMON STOCK 360271100 10489 4573 SH DEFINED 4573 0 0
FUND AMERN ENTERPRISES HLDGS I COMMON STOCK 360768105 3991 300 SH DEFINED 300 0 0
GANNETT INC COMMON STOCK 364730101 182007 28890 SH DEFINED 28890 0 0
GANNETT INC COMMON STOCK 364730101 6300 1000 SH OTHER 1000 0 0
GENENTECH INC SPL COMMON COMMON STOCK 368710307 1329 150 SH DEFINED 150 0 0
GENERAL ELECTRIC COMPANY COMMON STOCK 369604103 1443556 130491 SH DEFINED 130491 0 0
GENERAL ELECTRIC COMPANY COMMON STOCK 369604103 37236 3366 SH OTHER 3366 0 0
GENERAL MILLS INCORPORATED COMMON STOCK 370334104 3022 400 SH DEFINED 400 0 0
GENERAL MOTORS CORP CL H NEW COMMON STOCK 370442832 3994 792 SH DEFINED 792 0 0
GENERAL MOTORS CORPORATION COMMON STOCK 370442105 31320 3600 SH DEFINED 3600 0 0
GENERAL MOTORS CORPORATION COMMON STOCK 370442105 3480 400 SH OTHER 400 0 0
GEORGIA PAC CORP COMMON STOCK 373298108 23559 3173 SH DEFINED 3173 0 0
GEORGIA PAC CORP-TIMBER GROUP COMMON STOCK 373298702 7119 3173 SH DEFINED 3173 0 0
GILLETTE COMPANY COMMON STOCK 375766102 357094 60079 SH DEFINED 60079 0 0
GILLETTE COMPANY COMMON STOCK 375766102 3863 650 SH OTHER 650 0 0
GOODYEAR TIRE & RUBBER CO COMMON STOCK 382550101 1046 210 SH DEFINED 210 0 0
GRAINGER W W INC COMMON STOCK 384802104 1722 400 SH DEFINED 400 0 0
GTE CORPORATION COMMON STOCK 362320103 254795 42115 SH DEFINED 42115 0 0
GTE CORPORATION COMMON STOCK 362320103 7465 1234 SH OTHER 1234 0 0
HALLIBURTON CO COMMON STOCK 406216101 770 200 SH DEFINED 200 0 0
HARRIS CORP DEL COMMON STOCK 413875105 4368 1526 SH DEFINED 1526 0 0
HARTFORD FINL SVCS GROUP INC COMMON STOCK 416515104 1249 220 SH DEFINED 220 0 0
HASBRO INC COMMON STOCK 418056107 1302 450 SH DEFINED 450 0 0
HASBRO INC COMMON STOCK 418056107 1302 450 SH OTHER 450 0 0
HAWAIIAN ELECTRIC INDS COMMON STOCK 419870100 701 200 SH DEFINED 200 0 0
HCR MANOR CARE INC COMMON STOCK 404134108 18193 7975 SH DEFINED 7975 0 0
HCR MANOR CARE INC COMMON STOCK 404134108 912 400 SH OTHER 400 0 0
HEINZ (H J) & COMPANY COMMON STOCK 423074103 50587 10678 SH DEFINED 10678 0 0
HEINZ (H J) & COMPANY COMMON STOCK 423074103 6158 1300 SH OTHER 1300 0 0
HERSHEY FOODS CORP COMMON STOCK 427866108 8409 1500 SH DEFINED 1500 0 0
HEWLETT PACKARD COMPANY COMMON STOCK 428236103 29328 4325 SH DEFINED 4325 0 0
HIGHWOODS PROPERTIES INC. COMMON STOCK 431284108 471 200 SH DEFINED 200 0 0
HILLENBRAND INDUSTRIES INCORPO COMMON STOCK 431573104 129763 28095 SH DEFINED 28095 0 0
HILLENBRAND INDUSTRIES INCORPO COMMON STOCK 431573104 4849 1050 SH OTHER 1050 0 0
HOME DEPOT INCORPORATED COMMON STOCK 437076102 9337 1500 SH DEFINED 1500 0 0
HONEYWELL INC COMMON STOCK 438506107 379 50 SH DEFINED 50 0 0
HOST MARRIOTT CORP NEW COMMON STOCK 44107P104 222 200 SH DEFINED 200 0 0
HUSSMANN INTL INC COMMON STOCK 448110106 1835 1250 SH DEFINED 1250 0 0
IBM CORPORATION COMMON STOCK 459200101 120140 6778 SH DEFINED 6778 0 0
IBM CORPORATION COMMON STOCK 459200101 10599 598 SH OTHER 598 0 0
IDX SYS CORP COMMON STOCK 449491109 145 100 SH DEFINED 100 0 0
ILLINOIS TOOL WORKS INCORPORAT COMMON STOCK 452308109 65494 10585 SH DEFINED 10585 0 0
ILLINOIS TOOL WORKS INCORPORAT COMMON STOCK 452308109 1856 300 SH OTHER 300 0 0
IMS HEALTH INC COMMON STOCK 449934108 3975 1200 SH DEFINED 1200 0 0
INTEL CORPORATION COMMON STOCK 458140100 732983 61660 SH DEFINED 61660 0 0
INTEL CORPORATION COMMON STOCK 458140100 3566 300 SH OTHER 300 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 2065 550 SH DEFINED 550 0 0
ITT INDUSTRIES COMMON STOCK 450911102 353 100 SH DEFINED 100 0 0
JOHN HANCOCK INVESTORS TR COMMON STOCK 410142103 1028 500 SH DEFINED 500 0 0
JOHN HANCOCK INVESTORS TR COMMON STOCK 410142103 205 100 SH OTHER 100 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 534025 57115 SH DEFINED 57115 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 19635 2100 SH OTHER 2100 0 0
K MART CORP COMMON STOCK 482584109 13 8 SH DEFINED 8 0 0
KELLOGG COMPANY COMMON STOCK 487836108 7053 2086 SH DEFINED 2086 0 0
KEYSTONE FINANCIAL, INC. COMMON STOCK 493482103 10416 3230 SH DEFINED 3230 0 0
KIMBERLY-CLARK CORPORATION COMMON STOCK 494368103 3499 730 SH DEFINED 730 0 0
LACLEDE GAS CO COMMON STOCK 505588103 2110 1008 SH DEFINED 1008 0 0
LACLEDE GAS CO COMMON STOCK 505588103 1046 500 SH OTHER 500 0 0
LEHMAN BROS HLDGS INC COMMON STOCK 524908100 4182 700 SH DEFINED 700 0 0
LEUCADIA NATL CORP COMMON STOCK 527288104 3025 1000 SH DEFINED 1000 0 0
LG & E ENERGY CORP COMMON STOCK 501917108 2497 1200 SH DEFINED 1200 0 0
LILLY (ELI) COMPANY COMMON STOCK 532457108 45705 5385 SH DEFINED 5385 0 0
LILLY (ELI) COMPANY COMMON STOCK 532457108 848 100 SH OTHER 100 0 0
LINCOLN NATL CONV SECS FD INC COMMON STOCK 534183108 384 300 SH DEFINED 300 0 0
LOEWS CORP COMMON STOCK 540424108 746 100 SH DEFINED 100 0 0
LOUISIANA PAC CORP COMMON STOCK 546347105 6950 3732 SH DEFINED 3732 0 0
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 433512 40140 SH DEFINED 40140 0 0
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 10886 1008 SH OTHER 1008 0 0
LYCOS INC COMMON STOCK 550818108 430 50 SH DEFINED 50 0 0
M & F WORLDWIDE CORP COMMON STOCK 552541104 140 200 SH DEFINED 200 0 0
MARRIOTT INTL INC A COMMON STOCK 571903202 1345 400 SH DEFINED 400 0 0
MARSH & MCLENNAN COS INC COMMON STOCK 571748102 2227 300 SH OTHER 300 0 0
MATTEL INC COMMON STOCK 577081102 2015 808 SH DEFINED 808 0 0
MAY DEPT STORES CO COMMON STOCK 577778103 4902 1253 SH DEFINED 1253 0 0
MBNA CORP COMMON STOCK 55262L100 48339 20247 SH DEFINED 20247 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 5800 2000 SH DEFINED 2000 0 0
MCDONALD'S CORPORATION COMMON STOCK 580135101 323282 71345 SH DEFINED 71345 0 0
MCDONALD'S CORPORATION COMMON STOCK 580135101 6189 1366 SH OTHER 1366 0 0
MCI WORLDCOM INC COMMON STOCK 55268B106 198380 22400 SH DEFINED 22400 0 0
MCI WORLDCOM INC COMMON STOCK 55268B106 442 50 SH OTHER 50 0 0
MCN ENERGY GROUP INC COMMON STOCK 55267J100 803 500 SH DEFINED 500 0 0
MDU RESOURCES GROUP, INC. COMMON STOCK 552690109 14445 6315 SH DEFINED 6315 0 0
MEDIAONE GROUP INC COMMON STOCK 58440J104 30595 4823 SH DEFINED 4823 0 0
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MEDTRONIC INCORPORATED COMMON STOCK 585055106 92898 12925 SH DEFINED 12925 0 0
MERCK & COMPANY INCORPORATED COMMON STOCK 589331107 359488 44866 SH DEFINED 44866 0 0
MERCK & COMPANY INCORPORATED COMMON STOCK 589331107 18028 2250 SH OTHER 2250 0 0
MEREDITH CORP COMMON STOCK 589433101 5155 1640 SH OTHER 1640 0 0
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MICROSOFT CORP COMMON STOCK 594918104 1395371 155690 SH DEFINED 155690 0 0
MICROSOFT CORP COMMON STOCK 594918104 17028 1900 SH OTHER 1900 0 0
MIDAS INC COMMON STOCK 595626102 1388 416 SH DEFINED 416 0 0
MINNESOTA MINING & MFG COMPANY COMMON STOCK 604059105 18147 2565 SH DEFINED 2565 0 0
MINNESOTA MINING & MFG COMPANY COMMON STOCK 604059105 3183 450 SH OTHER 450 0 0
MOBIL CORPORATION COMMON STOCK 607059102 115966 13178 SH DEFINED 13178 0 0
MONSANTO COMPANY COMMON STOCK 611662107 36887 8030 SH DEFINED 8030 0 0
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MONTANA POWER CO COMMON STOCK 612085100 5517 750 SH DEFINED 750 0 0
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MORGAN (J.P.) & COMPANY COMMON STOCK 616880100 11103 900 SH OTHER 900 0 0
MOTOROLA INC COMMON STOCK 620076109 87350 11925 SH DEFINED 11925 0 0
MOTOROLA INC COMMON STOCK 620076109 4761 650 SH OTHER 650 0 0
MYLAN LABS INCORPORATED COMMON STOCK 628530107 87108 31748 SH DEFINED 31748 0 0
NALCO CHEMICAL CO. COMMON STOCK 629853102 664 250 SH DEFINED 250 0 0
NATIONAL CITY CORP COMMON STOCK 635405103 7301 1100 SH DEFINED 1100 0 0
NCR CORP NEW COMMON STOCK 62886E108 460 92 SH DEFINED 92 0 0
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NEXTEL COMMUNICATIONS INC CL A COMMON STOCK 65332V103 99162 27075 SH DEFINED 27075 0 0
NIKE INC - CLASS B COMMON STOCK 654106103 4615 800 SH DEFINED 800 0 0
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ONE VY BANCORP WEST VA INC COMMON STOCK 682419106 10221 2931 SH DEFINED 2931 0 0
ORACLE SYS CORP COMMON STOCK 68389X105 295 112 SH DEFINED 112 0 0
OWENS & MINOR INC NEW COMMON STOCK 690732102 125 124 SH DEFINED 124 0 0
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PHARMACIA & UPJOHN INC COMMON STOCK 716941109 9948 1595 SH DEFINED 1595 0 0
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PNC BANK CORP COMMON STOCK 693475105 3889 700 SH DEFINED 700 0 0
POTOMAC ELECTRIC POWER COMPANY COMMON STOCK 737679100 14703 6341 SH DEFINED 6341 0 0
PPG INDUSTRIES INCORPORATED COMMON STOCK 693506107 44321 8648 SH DEFINED 8648 0 0
PRAXAIR INC COMMON STOCK 74005P104 786 218 SH DEFINED 218 0 0
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PUBLIC SVC ENTERPRISE GROUP IN COMMON STOCK 744573106 2100 550 SH DEFINED 550 0 0
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RJR NABISCO HLDGS CORP NEW COMMON STOCK 74960K876 752 301 SH DEFINED 301 0 0
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ROHM & HAAS CO COMMON STOCK 775371107 3564 1062 SH DEFINED 1062 0 0
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SONAT INC COMMON STOCK 835415100 9450 3150 SH DEFINED 3150 0 0
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UNITED TECHNOLOGIES CORPORATIO COMMON STOCK 913017109 4063 300 SH DEFINED 300 0 0
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WASTE MGMT INC DEL COMMON STOCK 94106L109 3363 758 SH DEFINED 758 0 0
WAUSAU-MOSINEE PAPER CORP COMMON STOCK 943315101 280 200 SH DEFINED 200 0 0
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WHITMAN CORPORATION COMMON STOCK 96647K102 4296 2500 SH DEFINED 2500 0 0
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AEGON N V COMMON STOCK 007924103 3127 348 SH DEFINED 348 0 0
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ERICSSON L M TEL B ADR COMMON STOCK 294821400 8334 3500 SH DEFINED 3500 0 0
FOUR SEASONS HOTELS INC COMMON STOCK 35100E104 1670 400 SH DEFINED 400 0 0
GALLAHER GROUP PLC SPON ADR COMMON STOCK 363595109 9494 4040 SH DEFINED 4040 0 0
GALLAHER GROUP PLC SPON ADR COMMON STOCK 363595109 940 400 SH OTHER 400 0 0
GLAXO WELLCOME PLC SPONSORED A COMMON STOCK 37733W105 20081 3000 SH DEFINED 3000 0 0
ING GROEP N V SPON ADR COMMON STOCK 456837103 3355961 610869 SH DEFINED 610869 0 0
MAGNA INTL INC CL A COMMON STOCK 559222401 1160 200 SH DEFINED 200 0 0
ROYAL DUTCH PETE CO COMMON STOCK 780257804 99450 19125 SH DEFINED 19125 0 0
SMITHKLINE BEECHAM P L C ADR C COMMON STOCK 832378301 35678 4990 SH DEFINED 4990 0 0
ATLANTIC RICHFIELD CO $2.80 PF PREFERRED STOCK 048825400 3000 100 SH DEFINED N.A. N.A. N.A.
DYNEX CAP INC PFD PREFERRED STOCK 26817Q308 2460 1600 SH DEFINED N.A. N.A. N.A.
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PUTNAM HIGH YIELD MUNICIPAL TR OTHER 746781103 5468 5000 SH DEFINED N.A. N.A. N.A.
PUTNAM MANAGED MUN INCOME TR OTHER 746823103 2237 2000 SH DEFINED N.A. N.A. N.A.
LIBERTY ALL-STAR GROWTH FD INC OTHER 529900102 663 624 SH DEFINED N.A. N.A. N.A.
PIONEER INTEREST SHARES OTHER 723703104 795 600 SH DEFINED N.A. N.A. N.A.
PUTNAM MASTER INCOME TR OTHER 74683K104 1512 2000 SH DEFINED N.A. N.A. N.A.
</TABLE>
