UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
AMENDMENT NO. 1
TO
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 4/29/99
CHECK HERE IF AMENDMENT (X); AMENDMENT NUMBER: 1
THIS AMENDMENT (CHECK ONLY ONE.): (X) 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, 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>
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> <C>
ABBOTT LABORATORIES COMMON STOCK 002824100 3662 78220 SH DEFINED 78220 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 75 1600 SH OTHER 1600 0 0
ABOVENET COMMUNICATIONS INC COMMON STOCK 003743101 26 200 SH DEFINED 200 0 0
ACNIELSEN CORP COMMON STOCK 004833109 54 2000 SH DEFINED 2000 0 0
AETNA INC COMMON STOCK 008117103 12 150 SH DEFINED 150 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 110 3200 SH DEFINED 3200 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 7 200 SH OTHER 200 0 0
AIRGAS INC COMMON STOCK 009363102 116 13910 SH DEFINED 13910 0 0
AIRTOUCH COMMUNICATIONS INC COMMON STOCK 00949T100 1188 12292 SH DEFINED 12292 0 0
AIRTOUCH COMMUNICATIONS INC COMMON STOCK 00949T100 10 100 SH OTHER 100 0 0
ALLEGHENY ENERGY INC COMMON STOCK 017361106 1497 50760 SH DEFINED 50760 0 0
ALLEGHENY ENERGY INC COMMON STOCK 017361106 87 2950 SH OTHER 2950 0 0
ALLIED-SIGNAL CORPORATION COMMON STOCK 019512102 1252 25451 SH DEFINED 25451 0 0
ALLSTATE CORP COMMON STOCK 020002101 7 200 SH DEFINED 200 0 0
ALLTEL CORP COMMON STOCK 020039103 2290 36708 SH DEFINED 36708 0 0
ALLTEL CORP COMMON STOCK 020039103 37 600 SH OTHER 600 0 0
ALZA CORP CLASS A COMMON STOCK 022615108 111 2900 SH DEFINED 2900 0 0
AMERADA HESS CORP COMMON STOCK 023551104 5 100 SH DEFINED 100 0 0
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 150 1020 SH DEFINED 1020 0 0
AMERICAN ELEC PWR CO COMMON STOCK 025537101 136 3423 SH DEFINED 3423 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 2772 23540 SH DEFINED 23540 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 106 900 SH OTHER 900 0 0
AMERICAN HOME PRODUCTS CORPORA COMMON STOCK 026609107 5752 88158 SH DEFINED 88158 0 0
AMERICAN HOME PRODUCTS CORPORA COMMON STOCK 026609107 176 2700 SH OTHER 2700 0 0
AMERICAN INTL GROUP INC COMMON STOCK 026874107 67 554 SH DEFINED 554 0 0
AMERICAN WOODMARK CORPORATION COMMON STOCK 030506109 20 621 SH DEFINED 621 0 0
AMERICAN WTR WKS INC COMMON STOCK 030411102 35 1200 SH DEFINED 1200 0 0
AMERITECH CORP NEW COMMON STOCK 030954101 382 6636 SH DEFINED 6636 0 0
AMETEK INC NEW COMMON STOCK 031100100 6 320 SH DEFINED 320 0 0
AMGEN INC COMMON STOCK 031162100 191 2550 SH DEFINED 2550 0 0
AMP INC COMMON STOCK 031897101 209 3900 SH DEFINED 3900 0 0
ANHEUSER-BUSCH COMPANIES INC COMMON STOCK 035229103 56 730 SH DEFINED 730 0 0
AON CORPORATION COMMON STOCK 037389103 184 2907 SH DEFINED 2907 0 0
APOLLO GROUP INC CL A COMMON STOCK 037604105 0 1 SH DEFINED 1 0 0
AQUARION CO COMMON STOCK 03838W101 41 1500 SH DEFINED 1500 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 5 360 SH DEFINED 360 0 0
ASSOCIATES FIRST CAP CORP CL A COMMON STOCK 046008108 684 15198 SH DEFINED 15198 0 0
ASSOCIATES FIRST CAP CORP CL A COMMON STOCK 046008108 184 4086 SH OTHER 4086 0 0
AT & T CORP COMMON STOCK 001957109 1471 18426 SH DEFINED 18426 0 0
ATLANTIC RICHFIELD COMPANY COMMON STOCK 048825103 1705 23310 SH DEFINED 23310 0 0
ATLANTIC RICHFIELD COMPANY COMMON STOCK 048825103 44 600 SH OTHER 600 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 1727 41750 SH DEFINED 41750 0 0
AVON PRODS INC COMMON STOCK 054303102 33 700 SH DEFINED 700 0 0
BALTO GAS & ELECTRIC CO COMMON STOCK 059165100 72 2850 SH DEFINED 2850 0 0
BANC ONE CORP COMMON STOCK 06423A103 216 3924 SH DEFINED 3924 0 0
BANCROFT CONV FUND INC COMMON STOCK 059695106 15 638 SH DEFINED 638 0 0
BANKAMERICA CORP NEW COMMON STOCK 06605F102 4072 57655 SH DEFINED 57655 0 0
BANKAMERICA CORP NEW COMMON STOCK 06605F102 70 997 SH OTHER 997 0 0
BANKERS TRUST NEW YORK CORP COMMON STOCK 066365107 18 200 SH DEFINED 200 0 0
BANKERS TRUST NEW YORK CORP COMMON STOCK 066365107 35 400 SH OTHER 400 0 0
BARD (C.R.) COMPANY COMMON STOCK 067383109 71 1400 SH DEFINED 1400 0 0
BAXTER INTERNATIONAL INCORPORA COMMON STOCK 071813109 75 1130 SH DEFINED 1130 0 0
BB & T CORP COMMON STOCK 054937107 557 15385 SH DEFINED 15385 0 0
BELL ATLANTIC CORP. COMMON STOCK 077853109 3047 58950 SH DEFINED 58950 0 0
BELL ATLANTIC CORP. COMMON STOCK 077853109 189 3648 SH OTHER 3648 0 0
BELLSOUTH CORP COMMON STOCK 079860102 2333 58233 SH DEFINED 58233 0 0
BELLSOUTH CORP COMMON STOCK 079860102 220 5499 SH OTHER 5499 0 0
BERKSHIRE HATHAWAY INC DEL CL COMMON STOCK 084670108 72 1 SH DEFINED 1 0 0
BESTFOODS COMMON STOCK 08658U101 366 7790 SH DEFINED 7790 0 0
BESTFOODS COMMON STOCK 08658U101 108 2300 SH OTHER 2300 0 0
BIOMET INCORPORATED COMMON STOCK 090613100 42 1000 SH DEFINED 1000 0 0
BODDIE-NOELL PPTYS INC COMMON STOCK 096903109 34 3000 SH DEFINED 3000 0 0
BOEING COMPANY COMMON STOCK 097023105 482 14183 SH DEFINED 14183 0 0
BOEING COMPANY COMMON STOCK 097023105 5 150 SH OTHER 150 0 0
BRISTOL-MYERS SQUIBB COMPANY COMMON STOCK 110122108 7338 114425 SH DEFINED 114425 0 0
BRISTOL-MYERS SQUIBB COMPANY COMMON STOCK 110122108 221 3450 SH OTHER 3450 0 0
BROWNING FERRIS INDS INC COMMON STOCK 115885105 8 200 SH DEFINED 200 0 0
BRUSH WELLMAN INC COMMON STOCK 117421107 7 500 SH DEFINED 500 0 0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK 12189T104 19 582 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
CADMUS COMMUNICATIONS CORP COMMON STOCK 127587103 11 732 SH DEFINED 732 0 0
CAMPBELL SOUP COMPANY COMMON STOCK 134429109 28 700 SH DEFINED 700 0 0
CAPITAL ONE FINL CORP COMMON STOCK 14040H105 4909 32509 SH DEFINED 32509 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 2 32 SH DEFINED 32 0 0
CARNIVAL CORP CL A COMMON STOCK 143658102 22 450 SH DEFINED 450 0 0
CAROLINA PWR & LT CO COMMON STOCK 144141108 143 3790 SH DEFINED 3790 0 0
CATERPILLAR INC COMMON STOCK 149123101 877 19100 SH DEFINED 19100 0 0
CBS CORP COMMON STOCK 12490K107 45 1100 SH DEFINED 1100 0 0
CBS CORP COMMON STOCK 12490K107 16 400 SH OTHER 400 0 0
CCC INFORMATION SVCS GROUP INC COMMON STOCK 12487Q109 17 1450 SH DEFINED 1450 0 0
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 26 1100 SH DEFINED 1100 0 0
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 30 366 SH DEFINED 366 0 0
CHEVRON CORPORATION COMMON STOCK 166751107 3362 37879 SH DEFINED 37879 0 0
CHEVRON CORPORATION COMMON STOCK 166751107 18 200 SH OTHER 200 0 0
CHOICE HOTELS INTL INC COMMON STOCK 169905106 6 400 SH OTHER 400 0 0
CHUBB CORP COMMON STOCK 171232101 502 8575 SH DEFINED 8575 0 0
CHUBB CORP COMMON STOCK 171232101 12 200 SH OTHER 200 0 0
CINCINNATI BELL INC COMMON STOCK 171870108 53 2350 SH DEFINED 2350 0 0
CINCINNATI BELL INC COMMON STOCK 171870108 7 300 SH OTHER 300 0 0
CIRCUIT CITY STORES INC COMMON STOCK 172737108 46 600 SH DEFINED 600 0 0
CIRCUIT CITY STORES INC COMMON STOCK 172737108 11 150 SH OTHER 150 0 0
CISCO SYS INC COMMON STOCK 17275R102 103 937 SH DEFINED 937 0 0
CITIGROUP INC COMMON STOCK 172967101 553 8662 SH DEFINED 8662 0 0
CITIGROUP INC COMMON STOCK 172967101 53 832 SH OTHER 832 0 0
COCA COLA COMPANY COMMON STOCK 191216100 7745 126195 SH DEFINED 126195 0 0
COCA COLA COMPANY COMMON STOCK 191216100 281 4575 SH OTHER 4575 0 0
COLGATE-PALMOLIVE COMPANY COMMON STOCK 194162103 3030 32940 SH DEFINED 32940 0 0
COLGATE-PALMOLIVE COMPANY COMMON STOCK 194162103 9 100 SH OTHER 100 0 0
COLONIAL MUN INCOME TR COMMON STOCK 195799101 8 1058 SH DEFINED 1058 0 0
COLUMBIA / HCA HEALTHCARE CORP COMMON STOCK 197677107 3 174 SH OTHER 174 0 0
COMMUNITY BANKSHARES INC VA COMMON STOCK 203631106 52 2210 SH DEFINED 2210 0 0
COMPAQ COMPUTER CORP COMMON STOCK 204493100 2406 75920 SH DEFINED 75920 0 0
COMPAQ COMPUTER CORP COMMON STOCK 204493100 21 650 SH OTHER 650 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 7 238 SH DEFINED 238 0 0
CONEXANT SYS INC COMMON STOCK 207142100 13 472 SH OTHER 472 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 22 496 SH DEFINED 496 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 6 136 SH OTHER 136 0 0
CONSOLIDATED NAT GAS CO COMMON STOCK 209615103 436 8950 SH DEFINED 8950 0 0
CONVERGYS CORP COMMON STOCK 212485106 40 2350 SH DEFINED 2350 0 0
CONVERGYS CORP COMMON STOCK 212485106 5 300 SH OTHER 300 0 0
CORN PRODS INTL INC COMMON STOCK 219023108 4 175 SH DEFINED 175 0 0
CORN PRODS INTL INC COMMON STOCK 219023108 5 200 SH OTHER 200 0 0
CORNING INC COMMON STOCK 219350105 29 480 SH DEFINED 480 0 0
COSTCO COMPANIES INC COMMON STOCK 22160Q102 9 100 SH DEFINED 100 0 0
COX COMMUNICATIONS INC NEW COMMON STOCK 224044107 20 267 SH DEFINED 267 0 0
CRESTLINE CAP CORP COMMON STOCK 226153104 0 20 SH DEFINED 20 0 0
CROMPTON & KNOWLES COMMON STOCK 227111101 73 4650 SH DEFINED 4650 0 0
CROMPTON & KNOWLES COMMON STOCK 227111101 8 500 SH OTHER 500 0 0
CROWN CORK & SEAL INC COMMON STOCK 228255105 17 600 SH DEFINED 600 0 0
CSX CORPORATION COMMON STOCK 126408103 239 6147 SH DEFINED 6147 0 0
CSX CORPORATION COMMON STOCK 126408103 23 600 SH OTHER 600 0 0
CVS CORPORATION COMMON STOCK 126650100 426 8960 SH DEFINED 8960 0 0
CYTEC INDS INC COMMON STOCK 232820100 2 99 SH DEFINED 99 0 0
CYTYC CORP COMMON STOCK 232946103 3 200 SH DEFINED 200 0 0
DAIMLERCHRYSLER AG ORD COMMON STOCK D1668R123 5 62 SH DEFINED 62 0 0
DANA CORP COMMON STOCK 235811106 107 2820 SH DEFINED 2820 0 0
DEERE & CO COMMON STOCK 244199105 15 400 SH DEFINED 400 0 0
DELTA AIR LINES INC DEL COMMON STOCK 247361108 56 800 SH DEFINED 800 0 0
DIAL CORP NEW COMMON STOCK 25247D101 35 1016 SH DEFINED 1016 0 0
DISNEY (WALT) CO NEW COMMON STOCK 254687106 1266 40664 SH DEFINED 40664 0 0
DISNEY (WALT) CO NEW COMMON STOCK 254687106 6 200 SH OTHER 200 0 0
DOMINION RESOURCES INC COMMON STOCK 257470104 674 18249 SH DEFINED 18249 0 0
DOMINION RESOURCES INC COMMON STOCK 257470104 6 150 SH OTHER 150 0 0
DONALDSON INCORPORATED COMMON STOCK 257651109 15 832 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 26 800 SH OTHER 800 0 0
DOVER CORPORATION COMMON STOCK 260003108 23 700 SH DEFINED 700 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 146 1565 SH DEFINED 1565 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 5 50 SH OTHER 50 0 0
DOW JONES & CO INC COMMON STOCK 260561105 9 200 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 1645 28340 SH DEFINED 28340 0 0
DUFF & PHELPHS UTILITIES INC COMMON STOCK 264324104 43 4000 SH DEFINED 4000 0 0
DUFF & PHELPHS UTILITIES INC COMMON STOCK 264324104 22 2000 SH OTHER 2000 0 0
DUKE ENERGY CORP COMMON STOCK 264399106 536 9775 SH DEFINED 9775 0 0
DUKE ENERGY CORP COMMON STOCK 264399106 36 650 SH OTHER 650 0 0
DUN & BRADSTREET CORP DEL COMMON STOCK 26483B106 21 600 SH DEFINED 600 0 0
E M C CORP MASS COMMON STOCK 268648102 543 4250 SH DEFINED 4250 0 0
EAGLE GEOPHYSICAL INC COMMON STOCK 269524104 1 300 SH DEFINED 300 0 0
EASTMAN KODAK COMPANY COMMON STOCK 277461109 70 1101 SH DEFINED 1101 0 0
EATON CORP COMMON STOCK 278058102 6 90 SH OTHER 90 0 0
ECHELON INTL CORP COMMON STOCK 278747100 0 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 106 2175 SH DEFINED 2175 0 0
EMERSON ELECTRIC COMPANY COMMON STOCK 291011104 93 1750 SH DEFINED 1750 0 0
ENRON CORPORATION COMMON STOCK 293561106 63 980 SH DEFINED 980 0 0
ENTERGY CORP NEW COMMON STOCK 29364G103 28 1000 SH DEFINED 1000 0 0
EQUIFAX INC COMMON STOCK 294429105 14 400 SH DEFINED 400 0 0
EQUIFAX INC COMMON STOCK 294429105 55 1600 SH OTHER 1600 0 0
EQUITABLE COMPANIES INC COMMON STOCK 29444G107 0 3 SH DEFINED 3 0 0
EXXON CORPORATION COMMON STOCK 302290101 4197 59477 SH DEFINED 59477 0 0
EXXON CORPORATION COMMON STOCK 302290101 118 1670 SH OTHER 1670 0 0
F & M NATIONAL CORPORATION COMMON STOCK 302374103 4402 183413 SH DEFINED 183413 0 0
F & M NATIONAL CORPORATION COMMON STOCK 302374103 111 4643 SH OTHER 4643 0 0
FEDERAL HOME LN MTG CORP COMMON STOCK 313400301 155 2700 SH DEFINED 2700 0 0
FEDERAL NATL MTG ASSN COMMON STOCK 313586109 1352 19530 SH DEFINED 19530 0 0
FEDERAL NATL MTG ASSN COMMON STOCK 313586109 35 500 SH OTHER 500 0 0
FEDERAL RLTY INVT TR COMMON STOCK 313747206 89 4200 SH DEFINED 4200 0 0
FINOVA GROUP INC COMMON STOCK 317928109 26 508 SH DEFINED 508 0 0
FIRST UNION CORP COMMON STOCK 337358105 2228 41700 SH DEFINED 41700 0 0
FIRST UNION CORP COMMON STOCK 337358105 82 1528 SH OTHER 1528 0 0
FIRST UNITED CORP COMMON STOCK 33741H107 331 20354 SH DEFINED 20354 0 0
FIRST VIRGINIA BANKS INCORPORA COMMON STOCK 337477103 1405 30751 SH DEFINED 30751 0 0
FIRST VIRGINIA BANKS INCORPORA COMMON STOCK 337477103 179 3917 SH OTHER 3917 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 18 652 SH DEFINED 652 0 0
FLEET FINL GROUP INC NEW COMMON STOCK 338915101 223 5915 SH DEFINED 5915 0 0
FLEET FINL GROUP INC NEW COMMON STOCK 338915101 8 200 SH OTHER 200 0 0
FLORIDA PROGRESS CORP COMMON STOCK 341109106 436 11550 SH DEFINED 11550 0 0
FMC CORP COMMON STOCK 302491303 9 187 SH DEFINED 187 0 0
FOOTSTAR INC COMMON STOCK 344912100 41 1289 SH DEFINED 1289 0 0
FORD MOTOR COMPANY COMMON STOCK 345370100 1542 27210 SH DEFINED 27210 0 0
FORD MOTOR COMPANY COMMON STOCK 345370100 436 7700 SH OTHER 7700 0 0
FORTUNE BRANDS INC COMMON STOCK 349631101 192 4985 SH DEFINED 4985 0 0
FORTUNE BRANDS INC COMMON STOCK 349631101 15 400 SH OTHER 400 0 0
FPL GROUP, INC COMMON STOCK 302571104 2328 43726 SH DEFINED 43726 0 0
FPL GROUP, INC COMMON STOCK 302571104 53 1000 SH OTHER 1000 0 0
FULTON FINANCIAL CORPORATION COMMON STOCK 360271100 105 4573 SH DEFINED 4573 0 0
FUND AMERN ENTERPRISES HLDGS I COMMON STOCK 360768105 40 300 SH DEFINED 300 0 0
GANNETT INC COMMON STOCK 364730101 1820 28890 SH DEFINED 28890 0 0
GANNETT INC COMMON STOCK 364730101 63 1000 SH OTHER 1000 0 0
GENENTECH INC SPL COMMON COMMON STOCK 368710307 13 150 SH DEFINED 150 0 0
GENERAL ELECTRIC COMPANY COMMON STOCK 369604103 14436 130491 SH DEFINED 130491 0 0
GENERAL ELECTRIC COMPANY COMMON STOCK 369604103 372 3366 SH OTHER 3366 0 0
GENERAL MILLS INCORPORATED COMMON STOCK 370334104 30 400 SH DEFINED 400 0 0
GENERAL MOTORS CORP CL H NEW COMMON STOCK 370442832 40 792 SH DEFINED 792 0 0
GENERAL MOTORS CORPORATION COMMON STOCK 370442105 313 3600 SH DEFINED 3600 0 0
GENERAL MOTORS CORPORATION COMMON STOCK 370442105 35 400 SH OTHER 400 0 0
GEORGIA PAC CORP COMMON STOCK 373298108 236 3173 SH DEFINED 3173 0 0
GEORGIA PAC CORP-TIMBER GROUP COMMON STOCK 373298702 71 3173 SH DEFINED 3173 0 0
GILLETTE COMPANY COMMON STOCK 375766102 3571 60079 SH DEFINED 60079 0 0
GILLETTE COMPANY COMMON STOCK 375766102 39 650 SH OTHER 650 0 0
GOODYEAR TIRE & RUBBER CO COMMON STOCK 382550101 10 210 SH DEFINED 210 0 0
GRAINGER W W INC COMMON STOCK 384802104 17 400 SH DEFINED 400 0 0
GTE CORPORATION COMMON STOCK 362320103 2548 42115 SH DEFINED 42115 0 0
GTE CORPORATION COMMON STOCK 362320103 75 1234 SH OTHER 1234 0 0
HALLIBURTON CO COMMON STOCK 406216101 8 200 SH DEFINED 200 0 0
HARRIS CORP DEL COMMON STOCK 413875105 44 1526 SH DEFINED 1526 0 0
HARTFORD FINL SVCS GROUP INC COMMON STOCK 416515104 12 220 SH DEFINED 220 0 0
HASBRO INC COMMON STOCK 418056107 13 450 SH DEFINED 450 0 0
HASBRO INC COMMON STOCK 418056107 13 450 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 182 7975 SH DEFINED 7975 0 0
HCR MANOR CARE INC COMMON STOCK 404134108 9 400 SH OTHER 400 0 0
HEINZ (H J) & COMPANY COMMON STOCK 423074103 506 10678 SH DEFINED 10678 0 0
HEINZ (H J) & COMPANY COMMON STOCK 423074103 62 1300 SH OTHER 1300 0 0
HERSHEY FOODS CORP COMMON STOCK 427866108 84 1500 SH DEFINED 1500 0 0
HEWLETT PACKARD COMPANY COMMON STOCK 428236103 293 4325 SH DEFINED 4325 0 0
HIGHWOODS PROPERTIES INC. COMMON STOCK 431284108 5 200 SH DEFINED 200 0 0
HILLENBRAND INDUSTRIES INCORPO COMMON STOCK 431573104 1298 28095 SH DEFINED 28095 0 0
HILLENBRAND INDUSTRIES INCORPO COMMON STOCK 431573104 48 1050 SH OTHER 1050 0 0
HOME DEPOT INCORPORATED COMMON STOCK 437076102 93 1500 SH DEFINED 1500 0 0
HONEYWELL INC COMMON STOCK 438506107 4 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 18 1250 SH DEFINED 1250 0 0
IBM CORPORATION COMMON STOCK 459200101 1201 6778 SH DEFINED 6778 0 0
IBM CORPORATION COMMON STOCK 459200101 106 598 SH OTHER 598 0 0
IDX SYS CORP COMMON STOCK 449491109 1 100 SH DEFINED 100 0 0
ILLINOIS TOOL WORKS INCORPORAT COMMON STOCK 452308109 655 10585 SH DEFINED 10585 0 0
ILLINOIS TOOL WORKS INCORPORAT COMMON STOCK 452308109 19 300 SH OTHER 300 0 0
IMS HEALTH INC COMMON STOCK 449934108 40 1200 SH DEFINED 1200 0 0
INTEL CORPORATION COMMON STOCK 458140100 7330 61660 SH DEFINED 61660 0 0
INTEL CORPORATION COMMON STOCK 458140100 36 300 SH OTHER 300 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 21 550 SH DEFINED 550 0 0
ITT INDUSTRIES COMMON STOCK 450911102 4 100 SH DEFINED 100 0 0
JOHN HANCOCK INVESTORS TR COMMON STOCK 410142103 10 500 SH DEFINED 500 0 0
JOHN HANCOCK INVESTORS TR COMMON STOCK 410142103 2 100 SH OTHER 100 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 5340 57115 SH DEFINED 57115 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 196 2100 SH OTHER 2100 0 0
K MART CORP COMMON STOCK 482584109 0 8 SH DEFINED 8 0 0
KELLOGG COMPANY COMMON STOCK 487836108 71 2086 SH DEFINED 2086 0 0
KEYSTONE FINANCIAL, INC. COMMON STOCK 493482103 104 3230 SH DEFINED 3230 0 0
KIMBERLY-CLARK CORPORATION COMMON STOCK 494368103 35 730 SH DEFINED 730 0 0
LACLEDE GAS CO COMMON STOCK 505588103 21 1008 SH DEFINED 1008 0 0
LACLEDE GAS CO COMMON STOCK 505588103 10 500 SH OTHER 500 0 0
LEHMAN BROS HLDGS INC COMMON STOCK 524908100 42 700 SH DEFINED 700 0 0
LEUCADIA NATL CORP COMMON STOCK 527288104 30 1000 SH DEFINED 1000 0 0
LG & E ENERGY CORP COMMON STOCK 501917108 25 1200 SH DEFINED 1200 0 0
LILLY (ELI) COMPANY COMMON STOCK 532457108 457 5385 SH DEFINED 5385 0 0
LILLY (ELI) COMPANY COMMON STOCK 532457108 8 100 SH OTHER 100 0 0
LINCOLN NATL CONV SECS FD INC COMMON STOCK 534183108 4 300 SH DEFINED 300 0 0
LOEWS CORP COMMON STOCK 540424108 7 100 SH DEFINED 100 0 0
LOUISIANA PAC CORP COMMON STOCK 546347105 70 3732 SH DEFINED 3732 0 0
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 4335 40140 SH DEFINED 40140 0 0
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 109 1008 SH OTHER 1008 0 0
LYCOS INC COMMON STOCK 550818108 4 50 SH DEFINED 50 0 0
M & F WORLDWIDE CORP COMMON STOCK 552541104 1 200 SH DEFINED 200 0 0
MARRIOTT INTL INC A COMMON STOCK 571903202 13 400 SH DEFINED 400 0 0
MARSH & MCLENNAN COS INC COMMON STOCK 571748102 22 300 SH OTHER 300 0 0
MATTEL INC COMMON STOCK 577081102 20 808 SH DEFINED 808 0 0
MAY DEPT STORES CO COMMON STOCK 577778103 49 1253 SH DEFINED 1253 0 0
MBNA CORP COMMON STOCK 55262L100 483 20247 SH DEFINED 20247 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 58 2000 SH DEFINED 2000 0 0
MCDONALD'S CORPORATION COMMON STOCK 580135101 3233 71345 SH DEFINED 71345 0 0
MCDONALD'S CORPORATION COMMON STOCK 580135101 62 1366 SH OTHER 1366 0 0
MCI WORLDCOM INC COMMON STOCK 55268B106 1984 22400 SH DEFINED 22400 0 0
MCI WORLDCOM INC COMMON STOCK 55268B106 4 50 SH OTHER 50 0 0
MCN ENERGY GROUP INC COMMON STOCK 55267J100 8 500 SH DEFINED 500 0 0
MDU RESOURCES GROUP, INC. COMMON STOCK 552690109 144 6315 SH DEFINED 6315 0 0
MEDIAONE GROUP INC COMMON STOCK 58440J104 306 4823 SH DEFINED 4823 0 0
MEDPARTNERS INC NEW COMMON STOCK 58503X107 0 38 SH DEFINED 38 0 0
MEDTRONIC INCORPORATED COMMON STOCK 585055106 929 12925 SH DEFINED 12925 0 0
MERCK & COMPANY INCORPORATED COMMON STOCK 589331107 3595 44866 SH DEFINED 44866 0 0
MERCK & COMPANY INCORPORATED COMMON STOCK 589331107 180 2250 SH OTHER 2250 0 0
MEREDITH CORP COMMON STOCK 589433101 52 1640 SH OTHER 1640 0 0
MERITOR AUTOMOTIVE INC COMMON STOCK 59000G100 5 314 SH OTHER 314 0 0
MICROSOFT CORP COMMON STOCK 594918104 13954 155690 SH DEFINED 155690 0 0
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NALCO CHEMICAL CO. COMMON STOCK 629853102 7 250 SH DEFINED 250 0 0
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OAKWOOD HOMES CORP COMMON STOCK 674098108 21 1500 SH OTHER 1500 0 0
OGE ENERGY CORP COMMON STOCK 670837103 16 700 SH DEFINED 700 0 0
ONE VY BANCORP WEST VA INC COMMON STOCK 682419106 102 2931 SH DEFINED 2931 0 0
ORACLE SYS CORP COMMON STOCK 68389X105 3 112 SH DEFINED 112 0 0
OWENS & MINOR INC NEW COMMON STOCK 690732102 1 124 SH DEFINED 124 0 0
P P & L RES INC COMMON STOCK 693499105 27 1100 SH DEFINED 1100 0 0
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PAINE WEBBER GROUP INC COMMON STOCK 695629105 8 200 SH DEFINED 200 0 0
PECO ENERGY CO COMMON STOCK 693304107 53 1150 SH DEFINED 1150 0 0
PENNEY (J.C.) COMPANY INCORPOR COMMON STOCK 708160106 104 2575 SH DEFINED 2575 0 0
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PHARMACIA & UPJOHN INC COMMON STOCK 716941109 99 1595 SH DEFINED 1595 0 0
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PHILIP MORRIS COMPANIES INCORP COMMON STOCK 718154107 4 100 SH OTHER 100 0 0
PHILLIPS PETE CO COMMON STOCK 718507106 11 240 SH OTHER 240 0 0
PIONEER HI BRED INTL INC COMMON STOCK 723686101 56 1500 SH DEFINED 1500 0 0
PITNEY BOWES INC COMMON STOCK 724479100 26 400 SH DEFINED 400 0 0
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POTOMAC ELECTRIC POWER COMPANY COMMON STOCK 737679100 147 6341 SH DEFINED 6341 0 0
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PRAXAIR INC COMMON STOCK 74005P104 8 218 SH DEFINED 218 0 0
PROCTER & GAMBLE COMPANY COMMON STOCK 742718109 3002 30650 SH DEFINED 30650 0 0
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RELIANT ENERGY INC. COMMON STOCK 75952J108 29 1100 SH DEFINED 1100 0 0
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ROCKWELL INTL CORP NEW COMMON STOCK 773903109 17 400 SH DEFINED 400 0 0
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ROHM & HAAS CO COMMON STOCK 775371107 36 1062 SH DEFINED 1062 0 0
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SCANA CORPORATION COMMON STOCK 805898103 8 350 SH DEFINED 350 0 0
SCHERING-PLOUGH CORP COMMON STOCK 806605101 217 3925 SH DEFINED 3925 0 0
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SONAT INC COMMON STOCK 835415100 95 3150 SH DEFINED 3150 0 0
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WALMART STORES INCORPORATED COMMON STOCK 931142103 111 1200 SH OTHER 1200 0 0
WARNER-LAMBERT COMPANY COMMON STOCK 934488107 2563 38680 SH DEFINED 38680 0 0
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WASHINGTON GAS LIGHT CO COMMON STOCK 938837101 195 8600 SH DEFINED 8600 0 0
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WAUSAU-MOSINEE PAPER CORP COMMON STOCK 943315101 3 200 SH DEFINED 200 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101 53 1500 SH DEFINED 1500 0 0
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WHITMAN CORPORATION COMMON STOCK 96647K102 43 2500 SH DEFINED 2500 0 0
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1838 BD-DEB TRADING FD COMMON STOCK 282520105 17 800 SH DEFINED 800 0 0
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AEGON N V COMMON STOCK 007924103 31 348 SH DEFINED 348 0 0
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ASIA PULP & PAPER LTD SPON ADR COMMON STOCK 04516V100 3 400 SH DEFINED 400 0 0
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ERICSSON L M TEL B ADR COMMON STOCK 294821400 83 3500 SH DEFINED 3500 0 0
FOUR SEASONS HOTELS INC COMMON STOCK 35100E104 17 400 SH DEFINED 400 0 0
GALLAHER GROUP PLC SPON ADR COMMON STOCK 363595109 95 4040 SH DEFINED 4040 0 0
GALLAHER GROUP PLC SPON ADR COMMON STOCK 363595109 9 400 SH OTHER 400 0 0
GLAXO WELLCOME PLC SPONSORED A COMMON STOCK 37733W105 201 3000 SH DEFINED 3000 0 0
ING GROEP N V SPON ADR COMMON STOCK 456837103 33560 610869 SH DEFINED 610869 0 0
MAGNA INTL INC CL A COMMON STOCK 559222401 12 200 SH DEFINED 200 0 0
ROYAL DUTCH PETE CO COMMON STOCK 780257804 995 19125 SH DEFINED 19125 0 0
SMITHKLINE BEECHAM P L C ADR C COMMON STOCK 832378301 357 4990 SH DEFINED 4990 0 0
ATLANTIC RICHFIELD CO $2.80 PF PREFERRED STOCK 048825400 30 100 SH DEFINED N.A. N.A. N.A.
DYNEX CAP INC PFD PREFERRED STOCK 26817Q308 25 1600 SH DEFINED N.A. N.A. N.A.
MSDW MUN INCOME TR III OTHER 61745P460 9 1080 SH OTHER N.A. N.A. N.A.
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PUTNAM MANAGED MUN INCOME TR OTHER 746823103 22 2000 SH DEFINED N.A. N.A. N.A.
LIBERTY ALL-STAR GROWTH FD INC OTHER 529900102 7 624 SH DEFINED N.A. N.A. N.A.
PIONEER INTEREST SHARES OTHER 723703104 8 600 SH DEFINED N.A. N.A. N.A.
PUTNAM MASTER INCOME TR OTHER 74683K104 15 2000 SH DEFINED N.A. N.A. N.A.
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