UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 9/30/99
CHECK HERE IF AMENDMENT ( ); AMENDMENT NUMBER:
THIS AMENDMENT (CHECK ONLY ONE.): ( ) IS A RESTATEMENT.
( ) ADDS NEW HOLDINGS ENTRIES
INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT:
NAME: F&M TRUST COMPANY *ENTER INVESTMENT MANAGER NAM
ADDRESS: 38 ROUSS AVE *ENTER IN
FIRST FLOOR *ENTER IN
WINCHESTER *ENTER IN, 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 10/2/99
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: 498
FORM 13F INFORMATION TABLE VALUE TOTAL: $264,983
<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
- ------------------------------ ---------------- --------- --------
- -------- --- ---- ------- ------------ -------- -------- --------
ABBOTT LABORATORIES COMMON STOCK 002824100 1986
54135 SH DEFINED 54135 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 70
1900 SH OTHER 1900 0 0
ACNIELSEN CORP COMMON STOCK 004833109 23
1000 SH DEFINED 1000 0 0
ADOBE SYS INC COMMON STOCK 00724F101 6
50 SH DEFINED 50 0 0
ADVANCED MICRO DEVICES INC COMMON STOCK 007903107 2
100 SH DEFINED 100 0 0
AETNA INC COMMON STOCK 008117103 7
150 SH DEFINED 150 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 88
3000 SH DEFINED 3000 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 6
200 SH OTHER 200 0 0
AIRGAS INC COMMON STOCK 009363102 149
12810 SH DEFINED 12810 0 0
AIRGAS INC COMMON STOCK 009363102 1
100 SH OTHER 100 0 0
ALLEGHENY ENERGY INC COMMON STOCK 017361106 1545
48485 SH DEFINED 48485 0 0
ALLEGHENY ENERGY INC COMMON STOCK 017361106 89
2800 SH OTHER 2800 0 0
ALLIED-SIGNAL CORPORATION COMMON STOCK 019512102 1507
25151 SH DEFINED 25151 0 0
ALLSTATE CORP COMMON STOCK 020002101 5
200 SH DEFINED 200 0 0
ALLTEL CORP COMMON STOCK 020039103 2555
36308 SH DEFINED 36308 0 0
ALLTEL CORP COMMON STOCK 020039103 42
600 SH OTHER 600 0 0
ALZA CORP CLASS A COMMON STOCK 022615108 73
1700 SH DEFINED 1700 0 0
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 1338
12855 SH DEFINED 12855 0 0
AMERICAN ELEC PWR CO COMMON STOCK 025537101 83
2423 SH DEFINED 2423 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 3158
23390 SH DEFINED 23390 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 122
900 SH OTHER 900 0 0
AMERICAN HOME PRODUCTS CORPORA COMMON STOCK 026609107 3599
86733 SH DEFINED 86733 0 0
AMERICAN HOME PRODUCTS CORPORA COMMON STOCK 026609107 83
2000 SH OTHER 2000 0 0
AMERICAN INTL GROUP INC COMMON STOCK 026874107 71
816 SH DEFINED 816 0 0
AMERICAN WOODMARK CORPORATION COMMON STOCK 030506109 17
621 SH DEFINED 621 0 0
AMERICAN WTR WKS INC COMMON STOCK 030411102 29
1000 SH DEFINED 1000 0 0
AMERITECH CORP NEW COMMON STOCK 030954101 484
7256 SH DEFINED 7256 0 0
AMETEK INC NEW COMMON STOCK 031100100 6
320 SH DEFINED 320 0 0
AMGEN INC COMMON STOCK 031162100 212
2600 SH DEFINED 2600 0 0
ANHEUSER-BUSCH COMPANIES INC COMMON STOCK 035229103 51
730 SH DEFINED 730 0 0
AON CORPORATION COMMON STOCK 037389103 29
985 SH DEFINED 985 0 0
APOLLO GROUP INC CL A COMMON STOCK 037604105 0
1 SH DEFINED 1 0 0
AQUARION CO COMMON STOCK 03838W101 54
1500 SH DEFINED 1500 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 5
378 SH DEFINED 378 0 0
ASSOCIATES FIRST CAP CORP CL A COMMON STOCK 046008108 553
15357 SH DEFINED 15357 0 0
ASSOCIATES FIRST CAP CORP CL A COMMON STOCK 046008108 147
4086 SH OTHER 4086 0 0
AT & T CORP COMMON STOCK 001957109 1161
26699 SH DEFINED 26699 0 0
ATLANTIC RICHFIELD COMPANY COMMON STOCK 048825103 600
6770 SH DEFINED 6770 0 0
ATLANTIC RICHFIELD COMPANY COMMON STOCK 048825103 18
200 SH OTHER 200 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 1926
43150 SH DEFINED 43150 0 0
AVON PRODS INC COMMON STOCK 054303102 12
500 SH DEFINED 500 0 0
AXA FINL INC COMMON STOCK 002451102 0
3 SH DEFINED 3 0 0
BANC ONE CORP COMMON STOCK 06423A103 142
4082 SH DEFINED 4082 0 0
BANC ONE CORP COMMON STOCK 06423A103 4
121 SH OTHER 121 0 0
BANCROFT CONV FUND INC COMMON STOCK 059695106 14
638 SH DEFINED 638 0 0
BANK OF AMERICA COMMON STOCK 060505104 3071
55155 SH DEFINED 55155 0 0
BANK OF AMERICA COMMON STOCK 060505104 61
1097 SH OTHER 1097 0 0
BAXTER INTERNATIONAL INCORPORA COMMON STOCK 071813109 23
385 SH DEFINED 385 0 0
BB & T CORP COMMON STOCK 054937107 466
14385 SH DEFINED 14385 0 0
BELL ATLANTIC CORP. COMMON STOCK 077853109 4806
71395 SH DEFINED 71395 0 0
BELL ATLANTIC CORP. COMMON STOCK 077853109 305
4528 SH OTHER 4528 0 0
BELLSOUTH CORP COMMON STOCK 079860102 2544
56543 SH DEFINED 56543 0 0
BELLSOUTH CORP COMMON STOCK 079860102 283
6299 SH OTHER 6299 0 0
BERKSHIRE HATHAWAY INC DEL CL COMMON STOCK 084670108 55
1 SH DEFINED 1 0 0
BESTFOODS COMMON STOCK 08658U101 402
8270 SH DEFINED 8270 0 0
BESTFOODS COMMON STOCK 08658U101 112
2300 SH OTHER 2300 0 0
BIOMET INCORPORATED COMMON STOCK 090613100 26
1000 SH DEFINED 1000 0 0
BODDIE-NOELL PPTYS INC COMMON STOCK 096903109 30
3000 SH DEFINED 3000 0 0
BOEING COMPANY COMMON STOCK 097023105 2038
47813 SH DEFINED 47813 0 0
BOEING COMPANY COMMON STOCK 097023105 23
550 SH OTHER 550 0 0
BRISTOL-MYERS SQUIBB COMPANY COMMON STOCK 110122108 6623
98125 SH DEFINED 98125 0 0
BRISTOL-MYERS SQUIBB COMPANY COMMON STOCK 110122108 233
3450 SH OTHER 3450 0 0
BRUSH WELLMAN INC COMMON STOCK 117421107 7
500 SH DEFINED 500 0 0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK 12189T104 16
582 SH DEFINED 582 0 0
BURLINGTON RES INC COMMON STOCK 122014103 3
83 SH DEFINED 83 0 0
CABLEVISION SYS CORP CL A COMMON STOCK 12686C109 4
50 SH DEFINED 50 0 0
CADENCE DESIGN SYS INC COMMON STOCK 127387108 9
700 SH DEFINED 700 0 0
CADMUS COMMUNICATIONS CORP COMMON STOCK 127587103 8
732 SH DEFINED 732 0 0
CAMPBELL SOUP COMPANY COMMON STOCK 134429109 20
500 SH DEFINED 500 0 0
CAPITAL ONE FINL CORP COMMON STOCK 14040H105 3765
96527 SH DEFINED 96527 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 2
32 SH DEFINED 32 0 0
CARNIVAL CORP CL A COMMON STOCK 143658102 20
450 SH DEFINED 450 0 0
CAROLINA PWR & LT CO COMMON STOCK 144141108 134
3790 SH DEFINED 3790 0 0
CATERPILLAR INC COMMON STOCK 149123101 1072
19550 SH DEFINED 19550 0 0
CBS CORP COMMON STOCK 12490K107 51
1100 SH DEFINED 1100 0 0
CBS CORP COMMON STOCK 12490K107 19
400 SH OTHER 400 0 0
CCC INFORMATION SVCS GROUP INC COMMON STOCK 12487Q109 10
725 SH DEFINED 725 0 0
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 15
700 SH DEFINED 700 0 0
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 28
366 SH DEFINED 366 0 0
CHEVRON CORPORATION COMMON STOCK 166751107 3620
40794 SH DEFINED 40794 0 0
CHEVRON CORPORATION COMMON STOCK 166751107 36
400 SH OTHER 400 0 0
CHOICE HOTELS INTL INC COMMON STOCK 169905106 7
400 SH OTHER 400 0 0
CHUBB CORP COMMON STOCK 171232101 94
1900 SH DEFINED 1900 0 0
CHUBB CORP COMMON STOCK 171232101 10
200 SH OTHER 200 0 0
CHURCHILL DOWNS INC COMMON STOCK 171484108 17
750 SH DEFINED 750 0 0
CINCINNATI BELL INC COMMON STOCK 171870108 46
2350 SH DEFINED 2350 0 0
CINCINNATI BELL INC COMMON STOCK 171870108 6
300 SH OTHER 300 0 0
CIRCUIT CITY STORES INC COMMON STOCK 172737108 54
1270 SH DEFINED 1270 0 0
CIRCUIT CITY STORES INC COMMON STOCK 172737108 13
300 SH OTHER 300 0 0
CISCO SYS INC COMMON STOCK 17275R102 1323
19299 SH DEFINED 19299 0 0
CISCO SYS INC COMMON STOCK 17275R102 17
250 SH OTHER 250 0 0
CITIGROUP INC COMMON STOCK 172967101 835
18976 SH DEFINED 18976 0 0
CITIGROUP INC COMMON STOCK 172967101 55
1248 SH OTHER 1248 0 0
CITYVIEW ENERGY CORP LTD COMMON STOCK Q3079D103 0
750 SH DEFINED 750 0 0
CK WITCO CORP COMMON STOCK 12562C108 69
4650 SH DEFINED 4650 0 0
CK WITCO CORP COMMON STOCK 12562C108 7
500 SH OTHER 500 0 0
CNET INC COMMON STOCK 125945105 6
100 SH DEFINED 100 0 0
COCA COLA COMPANY COMMON STOCK 191216100 6176
128000 SH DEFINED 128000 0 0
COCA COLA COMPANY COMMON STOCK 191216100 274
5675 SH OTHER 5675 0 0
COLGATE-PALMOLIVE COMPANY COMMON STOCK 194162103 2978
65100 SH DEFINED 65100 0 0
COLGATE-PALMOLIVE COMPANY COMMON STOCK 194162103 46
1000 SH OTHER 1000 0 0
COLONIAL MUN INCOME TR COMMON STOCK 195799101 6
1058 SH DEFINED 1058 0 0
COLUMBIA / HCA HEALTHCARE CORP COMMON STOCK 197677107 4
174 SH OTHER 174 0 0
COMCAST CORP CL A COMMON STOCK 200300101 646
17900 SH DEFINED 17900 0 0
COMCAST CORP SPL CL A COMMON STOCK 200300200 1289
32325 SH DEFINED 32325 0 0
COMCAST CORP SPL CL A COMMON STOCK 200300200 12
300 SH OTHER 300 0 0
COMMUNITY BANKSHARES INC VA COMMON STOCK 203631106 46
2210 SH DEFINED 2210 0 0
COMPAQ COMPUTER CORP COMMON STOCK 204493100 1661
72620 SH DEFINED 72620 0 0
COMPAQ COMPUTER CORP COMMON STOCK 204493100 37
1600 SH OTHER 1600 0 0
COMPUWARE CORP COMMON STOCK 205638109 3
100 SH DEFINED 100 0 0
CONAGRA INCORPORATED COMMON STOCK 205887102 5
200 SH OTHER 200 0 0
CONECTIV INC COMMON STOCK 206829103 34
1750 SH DEFINED 1750 0 0
CONEXANT SYS INC COMMON STOCK 207142100 11
150 SH DEFINED 150 0 0
CONEXANT SYS INC COMMON STOCK 207142100 34
472 SH OTHER 472 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 21
496 SH DEFINED 496 0 0
CONSOLIDATED NAT GAS CO COMMON STOCK 209615103 94
1500 SH DEFINED 1500 0 0
CONSTELLATION ENERGY GROUP INC COMMON STOCK 210371100 80
2850 SH DEFINED 2850 0 0
CONVERGYS CORP COMMON STOCK 212485106 42
2100 SH DEFINED 2100 0 0
CONVERGYS CORP COMMON STOCK 212485106 6
300 SH OTHER 300 0 0
CORN PRODS INTL INC COMMON STOCK 219023108 5
175 SH DEFINED 175 0 0
CORN PRODS INTL INC COMMON STOCK 219023108 6
200 SH OTHER 200 0 0
CORNING INC COMMON STOCK 219350105 47
680 SH DEFINED 680 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 7
100 SH DEFINED 100 0 0
COX COMMUNICATIONS INC NEW COMMON STOCK 224044107 22
534 SH DEFINED 534 0 0
CRESTLINE CAP CORP COMMON STOCK 226153104 0
20 SH DEFINED 20 0 0
CROWN CORK & SEAL INC COMMON STOCK 228255105 15
600 SH DEFINED 600 0 0
CSX CORPORATION COMMON STOCK 126408103 203
4801 SH DEFINED 4801 0 0
CSX CORPORATION COMMON STOCK 126408103 25
600 SH OTHER 600 0 0
CVS CORPORATION COMMON STOCK 126650100 366
8960 SH DEFINED 8960 0 0
CYTEC INDS INC COMMON STOCK 232820100 2
99 SH DEFINED 99 0 0
CYTYC CORP COMMON STOCK 232946103 8
200 SH DEFINED 200 0 0
DAIMLERCHRYSLER AG ORD COMMON STOCK D1668R123 4
62 SH DEFINED 62 0 0
DANA CORP COMMON STOCK 235811106 105
2820 SH DEFINED 2820 0 0
DEERE & CO COMMON STOCK 244199105 15
400 SH DEFINED 400 0 0
DELL COMPUTER CORP COMMON STOCK 247025109 17
400 SH DEFINED 400 0 0
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 37
2329 SH DEFINED 2329 0 0
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 4
279 SH OTHER 279 0 0
DELTA AIR LINES INC DEL COMMON STOCK 247361108 39
800 SH DEFINED 800 0 0
DIAL CORP NEW COMMON STOCK 25247D101 26
1016 SH DEFINED 1016 0 0
DISNEY (WALT) CO NEW COMMON STOCK 254687106 1008
38764 SH DEFINED 38764 0 0
DISNEY (WALT) CO NEW COMMON STOCK 254687106 5
200 SH OTHER 200 0 0
DOMINION RESOURCES INC COMMON STOCK 257470104 777
17224 SH DEFINED 17224 0 0
DOMINION RESOURCES INC COMMON STOCK 257470104 14
300 SH OTHER 300 0 0
DONALDSON INCORPORATED COMMON STOCK 257651109 19
832 SH DEFINED 832 0 0
DONNELLEY (R.R.) & SONS COMPAN COMMON STOCK 257867101 8
260 SH DEFINED 260 0 0
DONNELLEY (R.R.) & SONS COMPAN COMMON STOCK 257867101 23
800 SH OTHER 800 0 0
DOVER CORPORATION COMMON STOCK 260003108 29
700 SH DEFINED 700 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 178
1565 SH DEFINED 1565 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 6
50 SH OTHER 50 0 0
DOW JONES & CO INC COMMON STOCK 260561105 11
200 SH DEFINED 200 0 0
DQE INC COMMON STOCK 23329J104 6
150 SH DEFINED 150 0 0
DU PONT DE NEMOURS & COMPANY COMMON STOCK 263534109 1483
24514 SH DEFINED 24514 0 0
DUFF & PHELPHS UTILITIES INC COMMON STOCK 264324104 39
4000 SH DEFINED 4000 0 0
DUKE ENERGY CORP COMMON STOCK 264399106 492
8925 SH DEFINED 8925 0 0
DUKE ENERGY CORP COMMON STOCK 264399106 33
600 SH OTHER 600 0 0
DUN & BRADSTREET CORP DEL COMMON STOCK 26483B106 18
600 SH DEFINED 600 0 0
E M C CORP MASS COMMON STOCK 268648102 3494
48950 SH DEFINED 48950 0 0
E M C CORP MASS COMMON STOCK 268648102 27
375 SH OTHER 375 0 0
EAGLE GEOPHYSICAL INC COMMON STOCK 269524104 0
300 SH DEFINED 300 0 0
EASTMAN KODAK COMPANY COMMON STOCK 277461109 59
777 SH DEFINED 777 0 0
EATON CORP COMMON STOCK 278058102 8
90 SH OTHER 90 0 0
ECHELON INTL CORP COMMON STOCK 278747100 1
23 SH DEFINED 23 0 0
EL PASO ELEC CO COMMON STOCK 283677854 0
2 SH DEFINED 2 0 0
ELECTRONIC DATA SYS CORP NEW COMMON STOCK 285661104 96
1820 SH DEFINED 1820 0 0
EMERSON ELECTRIC COMPANY COMMON STOCK 291011104 111
1750 SH DEFINED 1750 0 0
ENRON CORPORATION COMMON STOCK 293561106 80
1960 SH DEFINED 1960 0 0
EQUIFAX INC COMMON STOCK 294429105 11
400 SH DEFINED 400 0 0
EQUITY RESIDENTIAL PPTYS TR COMMON STOCK 29476L107 11
250 SH DEFINED 250 0 0
EXXON CORPORATION COMMON STOCK 302290101 4212
55423 SH DEFINED 55423 0 0
EXXON CORPORATION COMMON STOCK 302290101 142
1870 SH OTHER 1870 0 0
F & M NATIONAL CORPORATION COMMON STOCK 302374103 5498
211470 SH DEFINED 211470 0 0
F & M NATIONAL CORPORATION COMMON STOCK 302374103 123
4741 SH OTHER 4741 0 0
FDX CORP COMMON STOCK 31304N107 2
50 SH DEFINED 50 0 0
FEDERAL HOME LN MTG CORP COMMON STOCK 313400301 140
2700 SH DEFINED 2700 0 0
FEDERAL NATL MTG ASSN COMMON STOCK 313586109 1340
21368 SH DEFINED 21368 0 0
FEDERAL NATL MTG ASSN COMMON STOCK 313586109 31
500 SH OTHER 500 0 0
FEDERAL RLTY INVT TR COMMON STOCK 313747206 25
1200 SH DEFINED 1200 0 0
FINOVA GROUP INC COMMON STOCK 317928109 19
508 SH DEFINED 508 0 0
FIRST SOUTHN BANCSHARES INC COMMON STOCK 33645B107 27
2000 SH OTHER 2000 0 0
FIRST UNION CORP COMMON STOCK 337358105 1471
41300 SH DEFINED 41300 0 0
FIRST UNION CORP COMMON STOCK 337358105 54
1528 SH OTHER 1528 0 0
FIRST UNITED CORP COMMON STOCK 33741H107 295
20354 SH DEFINED 20354 0 0
FIRST VIRGINIA BANKS INCORPORA COMMON STOCK 337477103 1348
30951 SH DEFINED 30951 0 0
FIRST VIRGINIA BANKS INCORPORA COMMON STOCK 337477103 171
3917 SH OTHER 3917 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 17
652 SH DEFINED 652 0 0
FLEET FINL GROUP INC NEW COMMON STOCK 338915101 226
6165 SH DEFINED 6165 0 0
FLEET FINL GROUP INC NEW COMMON STOCK 338915101 18
500 SH OTHER 500 0 0
FLORIDA PROGRESS CORP COMMON STOCK 341109106 612
13225 SH DEFINED 13225 0 0
FLORIDA PROGRESS CORP COMMON STOCK 341109106 7
150 SH OTHER 150 0 0
FMC CORP COMMON STOCK 302491303 9
187 SH DEFINED 187 0 0
FOOTSTAR INC COMMON STOCK 344912100 45
1289 SH DEFINED 1289 0 0
FORD MOTOR COMPANY COMMON STOCK 345370100 1516
30165 SH DEFINED 30165 0 0
FORD MOTOR COMPANY COMMON STOCK 345370100 387
7700 SH OTHER 7700 0 0
FORTUNE BRANDS INC COMMON STOCK 349631101 99
3085 SH DEFINED 3085 0 0
FORTUNE BRANDS INC COMMON STOCK 349631101 13
400 SH OTHER 400 0 0
FPL GROUP, INC COMMON STOCK 302571104 2000
39701 SH DEFINED 39701 0 0
FPL GROUP, INC COMMON STOCK 302571104 60
1200 SH OTHER 1200 0 0
FULTON FINANCIAL CORPORATION COMMON STOCK 360271100 94
5030 SH DEFINED 5030 0 0
FUNCO INC COMMON STOCK 360762108 1
50 SH DEFINED 50 0 0
GANNETT INC COMMON STOCK 364730101 2287
33050 SH DEFINED 33050 0 0
GANNETT INC COMMON STOCK 364730101 69
1000 SH OTHER 1000 0 0
GARTNER GROUP INC CL B COMMON STOCK 366651206 3
156 SH DEFINED 156 0 0
GATEWAY INC COMMON STOCK 367626108 48
1100 SH DEFINED 1100 0 0
GENERAL AMERN INVS INC COMMON STOCK 368802104 1649
50638 SH DEFINED 50638 0 0
GENERAL ELECTRIC COMPANY COMMON STOCK 369604103 15299
129038 SH DEFINED 129038 0 0
GENERAL ELECTRIC COMPANY COMMON STOCK 369604103 393
3316 SH OTHER 3316 0 0
GENERAL MILLS INCORPORATED COMMON STOCK 370334104 32
400 SH DEFINED 400 0 0
GENERAL MOTORS CORP CL H NEW COMMON STOCK 370442832 138
2419 SH DEFINED 2419 0 0
GENERAL MOTORS CORPORATION COMMON STOCK 370442105 217
3440 SH DEFINED 3440 0 0
GENERAL MOTORS CORPORATION COMMON STOCK 370442105 25
400 SH OTHER 400 0 0
GEORGIA PAC CORP COMMON STOCK 373298108 257
6346 SH DEFINED 6346 0 0
GEORGIA PAC CORP-TIMBER GROUP COMMON STOCK 373298702 73
3173 SH DEFINED 3173 0 0
GILLETTE COMPANY COMMON STOCK 375766102 1120
33004 SH DEFINED 33004 0 0
GILLETTE COMPANY COMMON STOCK 375766102 14
400 SH OTHER 400 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 9
150 SH DEFINED 150 0 0
GOODYEAR TIRE & RUBBER CO COMMON STOCK 382550101 10
210 SH DEFINED 210 0 0
GRAINGER W W INC COMMON STOCK 384802104 36
750 SH DEFINED 750 0 0
GTE CORPORATION COMMON STOCK 362320103 3016
39233 SH DEFINED 39233 0 0
GTE CORPORATION COMMON STOCK 362320103 95
1234 SH OTHER 1234 0 0
HALLIBURTON CO COMMON STOCK 406216101 40
982 SH DEFINED 982 0 0
HANSON PLC SPONS ADR NEW COMMON STOCK 411352404 0
11 SH DEFINED 11 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 10
191 SH DEFINED 191 0 0
HARRIS CORP DEL COMMON STOCK 413875105 42
1526 SH DEFINED 1526 0 0
HARTFORD FINL SVCS GROUP INC COMMON STOCK 416515104 9
220 SH DEFINED 220 0 0
HASBRO INC COMMON STOCK 418056107 10
450 SH DEFINED 450 0 0
HASBRO INC COMMON STOCK 418056107 10
450 SH OTHER 450 0 0
HAWAIIAN ELECTRIC INDS COMMON STOCK 419870100 7
200 SH DEFINED 200 0 0
HCR MANOR CARE INC COMMON STOCK 404134108 46
2700 SH DEFINED 2700 0 0
HEINZ (H J) & COMPANY COMMON STOCK 423074103 413
9604 SH DEFINED 9604 0 0
HEINZ (H J) & COMPANY COMMON STOCK 423074103 39
900 SH OTHER 900 0 0
HERSHEY FOODS CORP COMMON STOCK 427866108 80
1650 SH DEFINED 1650 0 0
HEWLETT PACKARD COMPANY COMMON STOCK 428236103 411
4525 SH DEFINED 4525 0 0
HIGHWOODS PROPERTIES INC. COMMON STOCK 431284108 5
200 SH DEFINED 200 0 0
HILLENBRAND INDUSTRIES INCORPO COMMON STOCK 431573104 67
2525 SH DEFINED 2525 0 0
HILLENBRAND INDUSTRIES INCORPO COMMON STOCK 431573104 13
500 SH OTHER 500 0 0
HOME DEPOT INCORPORATED COMMON STOCK 437076102 89
1300 SH DEFINED 1300 0 0
HONEYWELL INC COMMON STOCK 438506107 6
50 SH DEFINED 50 0 0
HOST MARRIOTT CORP NEW COMMON STOCK 44107P104 2
200 SH DEFINED 200 0 0
HUSSMANN INTL INC COMMON STOCK 448110106 21
1250 SH DEFINED 1250 0 0
IBM CORPORATION COMMON STOCK 459200101 2291
18938 SH DEFINED 18938 0 0
IBM CORPORATION COMMON STOCK 459200101 115
950 SH OTHER 950 0 0
ILLINOIS TOOL WORKS INCORPORAT COMMON STOCK 452308109 938
12585 SH DEFINED 12585 0 0
ILLINOIS TOOL WORKS INCORPORAT COMMON STOCK 452308109 41
550 SH OTHER 550 0 0
IMPERIAL TOBACCO GROUP PLC COMMON STOCK 453142101 0
21 SH DEFINED 21 0 0
IMS HEALTH INC COMMON STOCK 449934108 27
1200 SH DEFINED 1200 0 0
INTEL CORPORATION COMMON STOCK 458140100 9020
121377 SH DEFINED 121377 0 0
INTEL CORPORATION COMMON STOCK 458140100 89
1200 SH OTHER 1200 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 19
550 SH DEFINED 550 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 43
890 SH DEFINED 890 0 0
ITT INDUSTRIES COMMON STOCK 450911102 3
100 SH DEFINED 100 0 0
JOHN HANCOCK INVESTORS TR COMMON STOCK 410142103 9
500 SH DEFINED 500 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 5332
58035 SH DEFINED 58035 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 243
2650 SH OTHER 2650 0 0
JOHNSON CTLS INC COMMON STOCK 478366107 356
5362 SH DEFINED 5362 0 0
JUNIPER NETWORKS INC COMMON STOCK 48203R104 18
100 SH DEFINED 100 0 0
K MART CORP COMMON STOCK 482584109 0
8 SH DEFINED 8 0 0
KELLOGG COMPANY COMMON STOCK 487836108 71
1886 SH DEFINED 1886 0 0
KEYSTONE FINANCIAL, INC. COMMON STOCK 493482103 77
3230 SH DEFINED 3230 0 0
KIMBERLY-CLARK CORPORATION COMMON STOCK 494368103 54
1030 SH DEFINED 1030 0 0
LACLEDE GAS CO COMMON STOCK 505588103 11
500 SH OTHER 500 0 0
LEHMAN BROS HLDGS INC COMMON STOCK 524908100 41
700 SH DEFINED 700 0 0
LEUCADIA NATL CORP COMMON STOCK 527288104 21
1000 SH DEFINED 1000 0 0
LEXMARK INTL GROUP INC CL A COMMON STOCK 529771107 13
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</TABLE>
