UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 6/30/99
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 7/3/99
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: 475
FORM 13F INFORMATION TABLE VALUE TOTAL: $272,510
<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 3564
78555 SH DEFINED 78555 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 73
1600 SH OTHER 1600 0 0
ABOVENET COMMUNICATIONS INC COMMON STOCK 003743101 14
340 SH DEFINED 340 0 0
ACNIELSEN CORP COMMON STOCK 004833109 30
1000 SH DEFINED 1000 0 0
AETNA INC COMMON STOCK 008117103 13
150 SH DEFINED 150 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 129
3200 SH DEFINED 3200 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 8
200 SH OTHER 200 0 0
AIRGAS INC COMMON STOCK 009363102 161
13110 SH DEFINED 13110 0 0
AIRTOUCH COMMUNICATIONS INC COMMON STOCK 00949T100 1363
12282 SH DEFINED 12282 0 0
AIRTOUCH COMMUNICATIONS INC COMMON STOCK 00949T100 11
100 SH OTHER 100 0 0
ALLEGHENY ENERGY INC COMMON STOCK 017361106 1583
49385 SH DEFINED 49385 0 0
ALLEGHENY ENERGY INC COMMON STOCK 017361106 75
2350 SH OTHER 2350 0 0
ALLIED-SIGNAL CORPORATION COMMON STOCK 019512102 1585
25151 SH DEFINED 25151 0 0
ALLSTATE CORP COMMON STOCK 020002101 7
200 SH DEFINED 200 0 0
ALLTEL CORP COMMON STOCK 020039103 2609
36483 SH DEFINED 36483 0 0
ALLTEL CORP COMMON STOCK 020039103 43
600 SH OTHER 600 0 0
ALZA CORP CLASS A COMMON STOCK 022615108 86
1700 SH DEFINED 1700 0 0
AMERADA HESS CORP COMMON STOCK 023551104 6
100 SH DEFINED 100 0 0
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 1306
11875 SH DEFINED 11875 0 0
AMERICAN ELEC PWR CO COMMON STOCK 025537101 91
2423 SH DEFINED 2423 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 3044
23390 SH DEFINED 23390 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 117
900 SH OTHER 900 0 0
AMERICAN HOME PRODUCTS CORPORA COMMON STOCK 026609107 5027
87608 SH DEFINED 87608 0 0
AMERICAN HOME PRODUCTS CORPORA COMMON STOCK 026609107 155
2700 SH OTHER 2700 0 0
AMERICAN INTL GROUP INC COMMON STOCK 026874107 88
754 SH DEFINED 754 0 0
AMERICAN WOODMARK CORPORATION COMMON STOCK 030506109 22
621 SH DEFINED 621 0 0
AMERICAN WTR WKS INC COMMON STOCK 030411102 37
1200 SH DEFINED 1200 0 0
AMERITECH CORP NEW COMMON STOCK 030954101 497
6756 SH DEFINED 6756 0 0
AMETEK INC NEW COMMON STOCK 031100100 7
320 SH DEFINED 320 0 0
AMGEN INC COMMON STOCK 031162100 158
2600 SH DEFINED 2600 0 0
ANHEUSER-BUSCH COMPANIES INC COMMON STOCK 035229103 52
730 SH DEFINED 730 0 0
AON CORPORATION COMMON STOCK 037389103 41
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 52
1500 SH DEFINED 1500 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 6
360 SH DEFINED 360 0 0
ASSOCIATES FIRST CAP CORP CL A COMMON STOCK 046008108 738
16717 SH DEFINED 16717 0 0
ASSOCIATES FIRST CAP CORP CL A COMMON STOCK 046008108 180
4086 SH OTHER 4086 0 0
AT & T CORP COMMON STOCK 001957109 1453
26039 SH DEFINED 26039 0 0
ATLANTIC RICHFIELD COMPANY COMMON STOCK 048825103 566
6770 SH DEFINED 6770 0 0
ATLANTIC RICHFIELD COMPANY COMMON STOCK 048825103 17
200 SH OTHER 200 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 1890
42950 SH DEFINED 42950 0 0
AVON PRODS INC COMMON STOCK 054303102 39
700 SH DEFINED 700 0 0
BANC ONE CORP COMMON STOCK 06423A103 231
3874 SH DEFINED 3874 0 0
BANCROFT CONV FUND INC COMMON STOCK 059695106 15
638 SH DEFINED 638 0 0
BANK OF AMERICA COMMON STOCK 060505104 4187
57105 SH DEFINED 57105 0 0
BANK OF AMERICA COMMON STOCK 060505104 73
997 SH OTHER 997 0 0
BAXTER INTERNATIONAL INCORPORA COMMON STOCK 071813109 8
130 SH DEFINED 130 0 0
BB & T CORP COMMON STOCK 054937107 528
14385 SH DEFINED 14385 0 0
BELL ATLANTIC CORP. COMMON STOCK 077853109 3554
54367 SH DEFINED 54367 0 0
BELL ATLANTIC CORP. COMMON STOCK 077853109 238
3648 SH OTHER 3648 0 0
BELLSOUTH CORP COMMON STOCK 079860102 2650
57443 SH DEFINED 57443 0 0
BELLSOUTH CORP COMMON STOCK 079860102 254
5499 SH OTHER 5499 0 0
BERKSHIRE HATHAWAY INC DEL CL COMMON STOCK 084670108 69
1 SH DEFINED 1 0 0
BESTFOODS COMMON STOCK 08658U101 376
7600 SH DEFINED 7600 0 0
BESTFOODS COMMON STOCK 08658U101 114
2300 SH OTHER 2300 0 0
BIOMET INCORPORATED COMMON STOCK 090613100 40
1000 SH DEFINED 1000 0 0
BODDIE-NOELL PPTYS INC COMMON STOCK 096903109 35
3000 SH DEFINED 3000 0 0
BOEING COMPANY COMMON STOCK 097023105 1231
27983 SH DEFINED 27983 0 0
BOEING COMPANY COMMON STOCK 097023105 7
150 SH OTHER 150 0 0
BRISTOL-MYERS SQUIBB COMPANY COMMON STOCK 110122108 7819
111010 SH DEFINED 111010 0 0
BRISTOL-MYERS SQUIBB COMPANY COMMON STOCK 110122108 243
3450 SH OTHER 3450 0 0
BROWNING FERRIS INDS INC COMMON STOCK 115885105 9
200 SH DEFINED 200 0 0
BRUSH WELLMAN INC COMMON STOCK 117421107 9
500 SH DEFINED 500 0 0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK 12189T104 18
582 SH DEFINED 582 0 0
BURLINGTON RES INC COMMON STOCK 122014103 4
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 10
732 SH DEFINED 732 0 0
CAMPBELL SOUP COMPANY COMMON STOCK 134429109 23
500 SH DEFINED 500 0 0
CAPITAL ONE FINL CORP COMMON STOCK 14040H105 5398
96927 SH DEFINED 96927 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 162
3790 SH DEFINED 3790 0 0
CATERPILLAR INC COMMON STOCK 149123101 1122
18700 SH DEFINED 18700 0 0
CBS CORP COMMON STOCK 12490K107 48
1100 SH DEFINED 1100 0 0
CBS CORP COMMON STOCK 12490K107 17
400 SH OTHER 400 0 0
CCC INFORMATION SVCS GROUP INC COMMON STOCK 12487Q109 9
725 SH DEFINED 725 0 0
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 16
700 SH DEFINED 700 0 0
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 32
366 SH DEFINED 366 0 0
CHEVRON CORPORATION COMMON STOCK 166751107 3756
39509 SH DEFINED 39509 0 0
CHEVRON CORPORATION COMMON STOCK 166751107 19
200 SH OTHER 200 0 0
CHOICE HOTELS INTL INC COMMON STOCK 169905106 8
400 SH OTHER 400 0 0
CHUBB CORP COMMON STOCK 171232101 127
1825 SH DEFINED 1825 0 0
CHUBB CORP COMMON STOCK 171232101 14
200 SH OTHER 200 0 0
CINCINNATI BELL INC COMMON STOCK 171870108 59
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 56
600 SH DEFINED 600 0 0
CIRCUIT CITY STORES INC COMMON STOCK 172737108 14
150 SH OTHER 150 0 0
CISCO SYS INC COMMON STOCK 17275R102 147
2274 SH DEFINED 2274 0 0
CITIGROUP INC COMMON STOCK 172967101 778
16376 SH DEFINED 16376 0 0
CITIGROUP INC COMMON STOCK 172967101 59
1248 SH OTHER 1248 0 0
CNET INC COMMON STOCK 125945105 6
100 SH DEFINED 100 0 0
COCA COLA COMPANY COMMON STOCK 191216100 7958
128355 SH DEFINED 128355 0 0
COCA COLA COMPANY COMMON STOCK 191216100 296
4775 SH OTHER 4775 0 0
COLGATE-PALMOLIVE COMPANY COMMON STOCK 194162103 3253
33025 SH DEFINED 33025 0 0
COLGATE-PALMOLIVE COMPANY COMMON STOCK 194162103 10
100 SH OTHER 100 0 0
COLONIAL MUN INCOME TR COMMON STOCK 195799101 7
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 634
17700 SH DEFINED 17700 0 0
COMCAST CORP SPL CL A COMMON STOCK 200300200 651
16925 SH DEFINED 16925 0 0
COMMUNITY BANKSHARES INC VA COMMON STOCK 203631106 55
2210 SH DEFINED 2210 0 0
COMPAQ COMPUTER CORP COMMON STOCK 204493100 1646
69470 SH DEFINED 69470 0 0
COMPAQ COMPUTER CORP COMMON STOCK 204493100 24
1000 SH OTHER 1000 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 43
1750 SH DEFINED 1750 0 0
CONEXANT SYS INC COMMON STOCK 207142100 9
150 SH DEFINED 150 0 0
CONEXANT SYS INC COMMON STOCK 207142100 27
472 SH OTHER 472 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 22
496 SH DEFINED 496 0 0
CONSOLIDATED NAT GAS CO COMMON STOCK 209615103 509
8375 SH DEFINED 8375 0 0
CONSTELLATION ENERGY GROUP INC COMMON STOCK 210371100 84
2850 SH DEFINED 2850 0 0
CONVERGYS CORP COMMON STOCK 212485106 46
2350 SH DEFINED 2350 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 34
480 SH DEFINED 480 0 0
COSTCO COMPANIES INC COMMON STOCK 22160Q102 8
100 SH DEFINED 100 0 0
COX COMMUNICATIONS INC NEW COMMON STOCK 224044107 20
534 SH DEFINED 534 0 0
CRESTLINE CAP CORP COMMON STOCK 226153104 0
20 SH DEFINED 20 0 0
CROMPTON & KNOWLES COMMON STOCK 227111101 92
4650 SH DEFINED 4650 0 0
CROMPTON & KNOWLES COMMON STOCK 227111101 10
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 256
5651 SH DEFINED 5651 0 0
CSX CORPORATION COMMON STOCK 126408103 27
600 SH OTHER 600 0 0
CVS CORPORATION COMMON STOCK 126650100 455
8960 SH DEFINED 8960 0 0
CYTEC INDS INC COMMON STOCK 232820100 3
99 SH DEFINED 99 0 0
CYTYC CORP COMMON STOCK 232946103 4
200 SH DEFINED 200 0 0
DAIMLERCHRYSLER AG ORD COMMON STOCK D1668R123 6
62 SH DEFINED 62 0 0
DANA CORP COMMON STOCK 235811106 130
2820 SH DEFINED 2820 0 0
DEERE & CO COMMON STOCK 244199105 16
400 SH DEFINED 400 0 0
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 41
2225 SH DEFINED 2225 0 0
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 5
279 SH OTHER 279 0 0
DELTA AIR LINES INC DEL COMMON STOCK 247361108 46
800 SH DEFINED 800 0 0
DIAL CORP NEW COMMON STOCK 25247D101 38
1016 SH DEFINED 1016 0 0
DISNEY (WALT) CO NEW COMMON STOCK 254687106 1227
39814 SH DEFINED 39814 0 0
DISNEY (WALT) CO NEW COMMON STOCK 254687106 6
200 SH OTHER 200 0 0
DOMINION RESOURCES INC COMMON STOCK 257470104 758
17499 SH DEFINED 17499 0 0
DOMINION RESOURCES INC COMMON STOCK 257470104 6
150 SH OTHER 150 0 0
DONALDSON INCORPORATED COMMON STOCK 257651109 20
832 SH DEFINED 832 0 0
DONNELLEY (R.R.) & SONS COMPAN COMMON STOCK 257867101 10
260 SH DEFINED 260 0 0
DONNELLEY (R.R.) & SONS COMPAN COMMON STOCK 257867101 30
800 SH OTHER 800 0 0
DOVER CORPORATION COMMON STOCK 260003108 25
700 SH DEFINED 700 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 199
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 1791
26214 SH DEFINED 26214 0 0
DUFF & PHELPHS UTILITIES INC COMMON STOCK 264324104 43
4000 SH DEFINED 4000 0 0
DUFF & PHELPHS UTILITIES INC COMMON STOCK 264324104 21
2000 SH OTHER 2000 0 0
DUKE ENERGY CORP COMMON STOCK 264399106 472
8675 SH DEFINED 8675 0 0
DUKE ENERGY CORP COMMON STOCK 264399106 35
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 1882
34225 SH DEFINED 34225 0 0
EAGLE GEOPHYSICAL INC COMMON STOCK 269524104 0
300 SH DEFINED 300 0 0
EASTMAN KODAK COMPANY COMMON STOCK 277461109 59
877 SH DEFINED 877 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 97
1709 SH DEFINED 1709 0 0
EMERSON ELECTRIC COMPANY COMMON STOCK 291011104 110
1750 SH DEFINED 1750 0 0
ENRON CORPORATION COMMON STOCK 293561106 80
980 SH DEFINED 980 0 0
EQUIFAX INC COMMON STOCK 294429105 14
400 SH DEFINED 400 0 0
EQUIFAX INC COMMON STOCK 294429105 57
1600 SH OTHER 1600 0 0
EQUITABLE COMPANIES INC COMMON STOCK 29444G107 0
3 SH DEFINED 3 0 0
EXXON CORPORATION COMMON STOCK 302290101 4301
55773 SH DEFINED 55773 0 0
EXXON CORPORATION COMMON STOCK 302290101 129
1670 SH OTHER 1670 0 0
F & M NATIONAL CORPORATION COMMON STOCK 302374103 7025
211666 SH DEFINED 211666 0 0
F & M NATIONAL CORPORATION COMMON STOCK 302374103 153
4606 SH OTHER 4606 0 0
FDX CORP COMMON STOCK 31304N107 3
50 SH DEFINED 50 0 0
FEDERAL HOME LN MTG CORP COMMON STOCK 313400301 157
2700 SH DEFINED 2700 0 0
FEDERAL NATL MTG ASSN COMMON STOCK 313586109 1384
20280 SH DEFINED 20280 0 0
FEDERAL NATL MTG ASSN COMMON STOCK 313586109 34
500 SH OTHER 500 0 0
FEDERAL RLTY INVT TR COMMON STOCK 313747206 89
3900 SH DEFINED 3900 0 0
FINOVA GROUP INC COMMON STOCK 317928109 27
508 SH DEFINED 508 0 0
FIRST UNION CORP COMMON STOCK 337358105 1956
41500 SH DEFINED 41500 0 0
FIRST UNION CORP COMMON STOCK 337358105 72
1528 SH OTHER 1528 0 0
FIRST UNITED CORP COMMON STOCK 33741H107 313
20354 SH DEFINED 20354 0 0
FIRST VIRGINIA BANKS INCORPORA COMMON STOCK 337477103 1520
30951 SH DEFINED 30951 0 0
FIRST VIRGINIA BANKS INCORPORA COMMON STOCK 337477103 192
3917 SH OTHER 3917 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 20
652 SH DEFINED 652 0 0
FLEET FINL GROUP INC NEW COMMON STOCK 338915101 267
6015 SH DEFINED 6015 0 0
FLEET FINL GROUP INC NEW COMMON STOCK 338915101 9
200 SH OTHER 200 0 0
FLORIDA PROGRESS CORP COMMON STOCK 341109106 470
11375 SH DEFINED 11375 0 0
FMC CORP COMMON STOCK 302491303 13
187 SH DEFINED 187 0 0
FOOTSTAR INC COMMON STOCK 344912100 48
1289 SH DEFINED 1289 0 0
FORD MOTOR COMPANY COMMON STOCK 345370100 1659
29390 SH DEFINED 29390 0 0
FORD MOTOR COMPANY COMMON STOCK 345370100 435
7700 SH OTHER 7700 0 0
FORTUNE BRANDS INC COMMON STOCK 349631101 140
3385 SH DEFINED 3385 0 0
FORTUNE BRANDS INC COMMON STOCK 349631101 17
400 SH OTHER 400 0 0
FPL GROUP, INC COMMON STOCK 302571104 2200
40276 SH DEFINED 40276 0 0
FPL GROUP, INC COMMON STOCK 302571104 55
1000 SH OTHER 1000 0 0
FULTON FINANCIAL CORPORATION COMMON STOCK 360271100 104
5030 SH DEFINED 5030 0 0
GANNETT INC COMMON STOCK 364730101 2284
32000 SH DEFINED 32000 0 0
GANNETT INC COMMON STOCK 364730101 71
1000 SH OTHER 1000 0 0
GENERAL AMERN INVS INC COMMON STOCK 368802104 1658
50638 SH DEFINED 50638 0 0
GENERAL ELECTRIC COMPANY COMMON STOCK 369604103 14430
127701 SH DEFINED 127701 0 0
GENERAL ELECTRIC COMPANY COMMON STOCK 369604103 380
3366 SH OTHER 3366 0 0
GENERAL MILLS INCORPORATED COMMON STOCK 370334104 32
400 SH DEFINED 400 0 0
GENERAL MOTORS CORP CL H NEW COMMON STOCK 370442832 31
542 SH DEFINED 542 0 0
GENERAL MOTORS CORPORATION COMMON STOCK 370442105 218
3300 SH DEFINED 3300 0 0
GENERAL MOTORS CORPORATION COMMON STOCK 370442105 26
400 SH OTHER 400 0 0
GEORGIA PAC CORP COMMON STOCK 373298108 301
6346 SH DEFINED 6346 0 0
GEORGIA PAC CORP-TIMBER GROUP COMMON STOCK 373298702 80
3173 SH DEFINED 3173 0 0
GILLETTE COMPANY COMMON STOCK 375766102 1372
33454 SH DEFINED 33454 0 0
GILLETTE COMPANY COMMON STOCK 375766102 16
400 SH OTHER 400 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 13
180 SH DEFINED 180 0 0
GOODYEAR TIRE & RUBBER CO COMMON STOCK 382550101 12
210 SH DEFINED 210 0 0
GRAINGER W W INC COMMON STOCK 384802104 22
400 SH DEFINED 400 0 0
GTE CORPORATION COMMON STOCK 362320103 2936
38883 SH DEFINED 38883 0 0
GTE CORPORATION COMMON STOCK 362320103 93
1234 SH OTHER 1234 0 0
HALLIBURTON CO COMMON STOCK 406216101 9
200 SH DEFINED 200 0 0
HANSON PLC SPONS ADR NEW COMMON STOCK 411352404 0
11 SH DEFINED 11 0 0
HARRIS CORP DEL COMMON STOCK 413875105 60
1526 SH DEFINED 1526 0 0
HARTFORD FINL SVCS GROUP INC COMMON STOCK 416515104 13
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 65
2700 SH DEFINED 2700 0 0
HCR MANOR CARE INC COMMON STOCK 404134108 10
400 SH OTHER 400 0 0
HEINZ (H J) & COMPANY COMMON STOCK 423074103 485
9674 SH DEFINED 9674 0 0
HEINZ (H J) & COMPANY COMMON STOCK 423074103 65
1300 SH OTHER 1300 0 0
HERSHEY FOODS CORP COMMON STOCK 427866108 77
1300 SH DEFINED 1300 0 0
HEWLETT PACKARD COMPANY COMMON STOCK 428236103 435
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 118
2725 SH DEFINED 2725 0 0
HILLENBRAND INDUSTRIES INCORPO COMMON STOCK 431573104 22
500 SH OTHER 500 0 0
HOME DEPOT INCORPORATED COMMON STOCK 437076102 90
1400 SH DEFINED 1400 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 1269
9818 SH DEFINED 9818 0 0
IBM CORPORATION COMMON STOCK 459200101 155
1196 SH OTHER 1196 0 0
ILLINOIS TOOL WORKS INCORPORAT COMMON STOCK 452308109 906
11085 SH DEFINED 11085 0 0
ILLINOIS TOOL WORKS INCORPORAT COMMON STOCK 452308109 33
400 SH OTHER 400 0 0
IMPERIAL TOBACCO GROUP PLC COMMON STOCK 453142101 0
21 SH DEFINED 21 0 0
IMS HEALTH INC COMMON STOCK 449934108 38
1200 SH DEFINED 1200 0 0
INTEL CORPORATION COMMON STOCK 458140100 7214
121240 SH DEFINED 121240 0 0
INTEL CORPORATION COMMON STOCK 458140100 36
600 SH OTHER 600 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 24
550 SH DEFINED 550 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 45
890 SH DEFINED 890 0 0
ITT INDUSTRIES COMMON STOCK 450911102 4
100 SH DEFINED 100 0 0
IXC COMMUNICATIONS INC COMMON STOCK 450713102 2
50 SH DEFINED 50 0 0
JOHN HANCOCK INVESTORS TR COMMON STOCK 410142103 9
500 SH DEFINED 500 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 5724
58410 SH DEFINED 58410 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 206
2100 SH OTHER 2100 0 0
JOHNSON CTLS INC COMMON STOCK 478366107 38
550 SH DEFINED 550 0 0
K MART CORP COMMON STOCK 482584109 0
8 SH DEFINED 8 0 0
KELLOGG COMPANY COMMON STOCK 487836108 62
1886 SH DEFINED 1886 0 0
KEYSTONE FINANCIAL, INC. COMMON STOCK 493482103 95
3230 SH DEFINED 3230 0 0
KIMBERLY-CLARK CORPORATION COMMON STOCK 494368103 42
730 SH DEFINED 730 0 0
LACLEDE GAS CO COMMON STOCK 505588103 23
1008 SH DEFINED 1008 0 0
LACLEDE GAS CO COMMON STOCK 505588103 12
500 SH OTHER 500 0 0
LEHMAN BROS HLDGS INC COMMON STOCK 524908100 43
700 SH DEFINED 700 0 0
LEUCADIA NATL CORP COMMON STOCK 527288104 25
1000 SH DEFINED 1000 0 0
LG & E ENERGY CORP COMMON STOCK 501917108 25
1200 SH DEFINED 1200 0 0
LIFEPOINT HOSPS INC COMMON STOCK 53219L109 0
9 SH OTHER 9 0 0
LILLY (ELI) COMPANY COMMON STOCK 532457108 386
5385 SH DEFINED 5385 0 0
LILLY (ELI) COMPANY COMMON STOCK 532457108 7
100 SH OTHER 100 0 0
LOUISIANA PAC CORP COMMON STOCK 546347105 89
3732 SH DEFINED 3732 0 0
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 5475
81185 SH DEFINED 81185 0 0
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 146
2166 SH OTHER 2166 0 0
LYCOS INC COMMON STOCK 550818108 5
50 SH DEFINED 50 0 0
M & F WORLDWIDE CORP COMMON STOCK 552541104 2
200 SH DEFINED 200 0 0
MARRIOTT INTL INC A COMMON STOCK 571903202 15
400 SH DEFINED 400 0 0
MARSH & MCLENNAN COS INC COMMON STOCK 571748102 23
300 SH OTHER 300 0 0
MATTEL INC COMMON STOCK 577081102 21
808 SH DEFINED 808 0 0
MAY DEPT STORES CO COMMON STOCK 577778103 51
1252 SH DEFINED 1252 0 0
MBNA CORP COMMON STOCK 55262L100 727
23747 SH DEFINED 23747 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 63
2000 SH DEFINED 2000 0 0
MCDONALD'S CORPORATION COMMON STOCK 580135101 3022
73495 SH DEFINED 73495 0 0
MCDONALD'S CORPORATION COMMON STOCK 580135101 56
1366 SH OTHER 1366 0 0
MCI WORLDCOM INC COMMON STOCK 55268B106 2019
23465 SH DEFINED 23465 0 0
MCI WORLDCOM INC COMMON STOCK 55268B106 9
100 SH OTHER 100 0 0
MCN ENERGY GROUP INC COMMON STOCK 55267J100 10
500 SH DEFINED 500 0 0
MDU RESOURCES GROUP, INC. COMMON STOCK 552690109 119
5215 SH DEFINED 5215 0 0
MEDIAONE GROUP INC COMMON STOCK 58440J104 359
4823 SH DEFINED 4823 0 0
MEDPARTNERS INC NEW COMMON STOCK 58503X107 0
38 SH DEFINED 38 0 0
MEDTRONIC INCORPORATED COMMON STOCK 585055106 1038
13335 SH DEFINED 13335 0 0
MERCK & COMPANY INCORPORATED COMMON STOCK 589331107 3314
45006 SH DEFINED 45006 0 0
MERCK & COMPANY INCORPORATED COMMON STOCK 589331107 166
2250 SH OTHER 2250 0 0
MEREDITH CORP COMMON STOCK 589433101 57
1640 SH OTHER 1640 0 0
MERITOR AUTOMOTIVE INC COMMON STOCK 59000G100 8
314 SH OTHER 314 0 0
MERRILL LYNCH & CO INC COMMON STOCK 590188108 28
350 SH DEFINED 350 0 0
MICROSOFT CORP COMMON STOCK 594918104 13975
154955 SH DEFINED 154955 0 0
MICROSOFT CORP COMMON STOCK 594918104 171
1900 SH OTHER 1900 0 0
MIDAS INC COMMON STOCK 595626102 12
416 SH DEFINED 416 0 0
MINNESOTA MINING & MFG COMPANY COMMON STOCK 604059105 135
1550 SH DEFINED 1550 0 0
MINNESOTA PWR INC COMMON STOCK 604110106 12
600 SH DEFINED 600 0 0
MOBIL CORPORATION COMMON STOCK 607059102 1336
13528 SH DEFINED 13528 0 0
MONSANTO COMPANY COMMON STOCK 611662107 318
8030 SH DEFINED 8030 0 0
MONSANTO COMPANY COMMON STOCK 611662107 79
2000 SH OTHER 2000 0 0
MONTANA POWER CO COMMON STOCK 612085100 53
750 SH DEFINED 750 0 0
MONTANA POWER CO COMMON STOCK 612085100 14
200 SH OTHER 200 0 0
MORGAN (J.P.) & COMPANY COMMON STOCK 616880100 485
3451 SH DEFINED 3451 0 0
MORGAN (J.P.) & COMPANY COMMON STOCK 616880100 126
900 SH OTHER 900 0 0
MOTOROLA INC COMMON STOCK 620076109 433
4575 SH DEFINED 4575 0 0
MOTOROLA INC COMMON STOCK 620076109 62
650 SH OTHER 650 0 0
MYLAN LABS INCORPORATED COMMON STOCK 628530107 755
28473 SH DEFINED 28473 0 0
NABISCO GROUP HLDG CORP COMMON STOCK 62952P102 6
301 SH DEFINED 301 0 0
NALCO CHEMICAL CO. COMMON STOCK 629853102 13
250 SH DEFINED 250 0 0
NATIONAL CITY CORP COMMON STOCK 635405103 72
1100 SH DEFINED 1100 0 0
NCR CORP NEW COMMON STOCK 62886E108 5
109 SH DEFINED 109 0 0
NEW ENG ELECTRIC SYSTEM COMMON STOCK 644001109 30
600 SH DEFINED 600 0 0
NEWMONT MNG CORP COMMON STOCK 651639106 2
121 SH DEFINED 121 0 0
NEWPARK RES INC COMMON STOCK 651718504 40
4500 SH DEFINED 4500 0 0
NEXTEL COMMUNICATIONS INC CL A COMMON STOCK 65332V103 1395
27800 SH DEFINED 27800 0 0
NIKE INC - CLASS B COMMON STOCK 654106103 13
200 SH DEFINED 200 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 664
22042 SH DEFINED 22042 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 50
1660 SH OTHER 1660 0 0
NORTHERN STATES POWER CO COMMON STOCK 665772109 90
3740 SH DEFINED 3740 0 0
NUCOR CORP COMMON STOCK 670346105 21
450 SH DEFINED 450 0 0
NUVEEN MUN VALUE FD INC COMMON STOCK 670928100 9
1000 SH DEFINED 1000 0 0
O'SULLIVAN CORPORATION COMMON STOCK 688605104 55
4504 SH DEFINED 4504 0 0
OAKWOOD HOMES CORP COMMON STOCK 674098108 1286
97950 SH DEFINED 97950 0 0
OAKWOOD HOMES CORP COMMON STOCK 674098108 20
1500 SH OTHER 1500 0 0
OGE ENERGY CORP COMMON STOCK 670837103 17
700 SH DEFINED 700 0 0
ONE VY BANCORP WEST VA INC COMMON STOCK 682419106 110
2931 SH DEFINED 2931 0 0
ORACLE SYS CORP COMMON STOCK 68389X105 4
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 34
1100 SH DEFINED 1100 0 0
P P & L RES INC COMMON STOCK 693499105 51
1656 SH OTHER 1656 0 0
PAINE WEBBER GROUP INC COMMON STOCK 695629105 9
200 SH DEFINED 200 0 0
PECO ENERGY CO COMMON STOCK 693304107 48
1150 SH DEFINED 1150 0 0
PENNEY (J.C.) COMPANY INCORPOR COMMON STOCK 708160106 125
2575 SH DEFINED 2575 0 0
PEOPLES ENERGY CORP COMMON STOCK 711030106 126
3341 SH DEFINED 3341 0 0
PEOPLES ENERGY CORP COMMON STOCK 711030106 8
200 SH OTHER 200 0 0
PEPSICO INCORPORATED COMMON STOCK 713448108 807
20856 SH DEFINED 20856 0 0
PEPSICO INCORPORATED COMMON STOCK 713448108 12
300 SH OTHER 300 0 0
PFIZER INCORPORATED COMMON STOCK 717081103 5209
47790 SH DEFINED 47790 0 0
PFIZER INCORPORATED COMMON STOCK 717081103 360
3300 SH OTHER 3300 0 0
PHARMACIA & UPJOHN INC COMMON STOCK 716941109 91
1595 SH DEFINED 1595 0 0
PHILADELPHIA SUBN CORP COMMON STOCK 718009608 33
1432 SH DEFINED 1432 0 0
PHILIP MORRIS COMPANIES INCORP COMMON STOCK 718154107 2314
57590 SH DEFINED 57590 0 0
PHILIP MORRIS COMPANIES INCORP COMMON STOCK 718154107 4
100 SH OTHER 100 0 0
PHILLIPS PETE CO COMMON STOCK 718507106 12
240 SH OTHER 240 0 0
PIONEER HI BRED INTL INC COMMON STOCK 723686101 58
1500 SH DEFINED 1500 0 0
PITNEY BOWES INC COMMON STOCK 724479100 980
15250 SH DEFINED 15250 0 0
PNC BANK CORP COMMON STOCK 693475105 29
500 SH DEFINED 500 0 0
POTOMAC ELECTRIC POWER COMPANY COMMON STOCK 737679100 187
6341 SH DEFINED 6341 0 0
PPG INDUSTRIES INCORPORATED COMMON STOCK 693506107 438
7416 SH DEFINED 7416 0 0
PRAXAIR INC COMMON STOCK 74005P104 11
218 SH DEFINED 218 0 0
PROCTER & GAMBLE COMPANY COMMON STOCK 742718109 2982
33410 SH DEFINED 33410 0 0
PROCTER & GAMBLE COMPANY COMMON STOCK 742718109 39
432 SH OTHER 432 0 0
PROVIDENT BANKSHARES CORPORATI COMMON STOCK 743859100 59
2550 SH DEFINED 2550 0 0
PROVIDIAN FINANCIAL CORP COMMON STOCK 74406A102 90
960 SH DEFINED 960 0 0
PROXICOM INC COMMON STOCK 744282104 3
100 SH DEFINED 100 0 0
PUBLIC SVC ENTERPRISE GROUP IN COMMON STOCK 744573106 22
550 SH DEFINED 550 0 0
QUAKER OATS COMPANY COMMON STOCK 747402105 212
3200 SH DEFINED 3200 0 0
QWEST COMMUNICATIONS INTL INC COMMON STOCK 749121109 361
10910 SH DEFINED 10910 0 0
RAYTHEON CO CL A COMMON STOCK 755111309 56
813 SH DEFINED 813 0 0
RAYTHEON CO CL A COMMON STOCK 755111309 2
25 SH OTHER 25 0 0
RAYTHEON CO CL B COMMON STOCK 755111408 86
1216 SH DEFINED 1216 0 0
RELIANT ENERGY INC. COMMON STOCK 75952J108 30
1100 SH DEFINED 1100 0 0
REXALL SUNDOWN INC COMMON STOCK 761648104 2
200 SH DEFINED 200 0 0
REYNOLDS R J TOB HLDGS INC COMMON STOCK 76182K105 3
100 SH DEFINED 100 0 0
RIGGS NATIONAL CORPORATION COMMON STOCK 766570105 43
2100 SH DEFINED 2100 0 0
ROCKWELL INTL CORP NEW COMMON STOCK 773903109 24
400 SH DEFINED 400 0 0
ROCKWELL INTL CORP NEW COMMON STOCK 773903109 57
944 SH OTHER 944 0 0
ROHM & HAAS CO COMMON STOCK 775371107 46
1062 SH DEFINED 1062 0 0
SABRE GROUP HLDGS INC CL A COMMON STOCK 785905100 17
250 SH DEFINED 250 0 0
SALOMON BROTHERS FUND INC. COMMON STOCK 795477108 2
97 SH DEFINED 97 0 0
SANTA FE SNYDER CORP COMMON STOCK 80218K105 1
141 SH DEFINED 141 0 0
SARA LEE CORPORATION COMMON STOCK 803111103 157
6900 SH DEFINED 6900 0 0
SARA LEE CORPORATION COMMON STOCK 803111103 54
2400 SH OTHER 2400 0 0
SBC COMMUNICATIONS COMMON STOCK 78387G103 2019
34806 SH DEFINED 34806 0 0
SBC COMMUNICATIONS COMMON STOCK 78387G103 8
146 SH OTHER 146 0 0
SCANA CORPORATION COMMON STOCK 805898103 8
350 SH DEFINED 350 0 0
SCHERING-PLOUGH CORP COMMON STOCK 806605101 206
3925 SH DEFINED 3925 0 0
SCHERING-PLOUGH CORP COMMON STOCK 806605101 200
3800 SH OTHER 3800 0 0
SCHLUMBERGER LIMITED COMMON STOCK 806857108 532
8358 SH DEFINED 8358 0 0
SCHLUMBERGER LIMITED COMMON STOCK 806857108 38
600 SH OTHER 600 0 0
SEMPRA ENERGY COMMON STOCK 816851109 9
400 SH DEFINED 400 0 0
SIGMA ALDRICH CORP COMMON STOCK 826552101 34
1000 SH DEFINED 1000 0 0
SODEXHO MARRIOTT SVCS INC COMMON STOCK 833793102 1
50 SH DEFINED 50 0 0
SOLUTIA INC COMMON STOCK 834376105 12
566 SH DEFINED 566 0 0
SOLUTIA INC COMMON STOCK 834376105 9
400 SH OTHER 400 0 0
SONAT INC COMMON STOCK 835415100 104
3150 SH DEFINED 3150 0 0
SONOCO PRODUCTS COMPANY COMMON STOCK 835495102 104
3465 SH DEFINED 3465 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 56
2112 SH DEFINED 2112 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 11
400 SH OTHER 400 0 0
SOUTHERN FINL BANCORP INC COMMON STOCK 842870107 11
563 SH DEFINED 563 0 0
STATE STREET CORP. COMMON STOCK 857477103 34
400 SH DEFINED 400 0 0
SUN MICROSYSTEMS INC COMMON STOCK 866810104 5117
74300 SH DEFINED 74300 0 0
SUN MICROSYSTEMS INC COMMON STOCK 866810104 72
1052 SH OTHER 1052 0 0
SUNBURST HOSPITALITY CORP COMMON STOCK 866948102 1
133 SH OTHER 133 0 0
SUNGARD DATA SYS INC COMMON STOCK 867363103 916
26552 SH DEFINED 26552 0 0
SUNGARD DATA SYS INC COMMON STOCK 867363103 3
100 SH OTHER 100 0 0
SUNTRUST BANKS INC COMMON STOCK 867914103 4210
60623 SH DEFINED 60623 0 0
SUNTRUST BANKS INC COMMON STOCK 867914103 101
1448 SH OTHER 1448 0 0
SUPERIOR INDUSTRIES INTERNATIO COMMON STOCK 868168105 27
1000 SH DEFINED 1000 0 0
SYSCO CORPORATION COMMON STOCK 871829107 89
3000 SH DEFINED 3000 0 0
TECO ENERGY COMMON STOCK 872375100 228
10000 SH DEFINED 10000 0 0
TELEFONOS DE MEXICO S A ADR COMMON STOCK 879403400 2
500 SH DEFINED 500 0 0
TEMPLE-INLAND INCORPORATED COMMON STOCK 879868107 27
400 SH DEFINED 400 0 0
TEXACO INCORPORATED COMMON STOCK 881694103 299
4800 SH DEFINED 4800 0 0
TEXACO INCORPORATED COMMON STOCK 881694103 62
1000 SH OTHER 1000 0 0
TEXAS INSTRS INC COMMON STOCK 882508104 7
50 SH DEFINED 50 0 0
TEXAS UTILITIES CO COMMON STOCK 882848104 33
795 SH DEFINED 795 0 0
TEXTRON INCORPORATED COMMON STOCK 883203101 1064
12925 SH DEFINED 12925 0 0
TIME WARNER INCORPORATED COMMON STOCK 887315109 3013
41490 SH DEFINED 41490 0 0
TIME WARNER INCORPORATED COMMON STOCK 887315109 29
400 SH OTHER 400 0 0
TIMES MIRROR CO NEW SERIES A COMMON STOCK 887364107 26
436 SH DEFINED 436 0 0
TOYS R US INC COMMON STOCK 892335100 302
14582 SH DEFINED 14582 0 0
TREX INC COMMON STOCK 89531P105 23
907 SH DEFINED 907 0 0
TREX INC COMMON STOCK 89531P105 3
100 SH OTHER 100 0 0
TRIAD HOSPS INC COMMON STOCK 89579K109 0
9 SH OTHER 9 0 0
TRIBUNE CO NEW COMMON STOCK 896047107 22
250 SH DEFINED 250 0 0
TRICON GLOBAL RESTAURANTS INC COMMON STOCK 895953107 2
35 SH DEFINED 35 0 0
TRIGON HEALTHCARE INC COMMON STOCK 89618L100 57
1555 SH DEFINED 1555 0 0
TRIGON HEALTHCARE INC COMMON STOCK 89618L100 7
184 SH OTHER 184 0 0
TRW INC COMMON STOCK 872649108 22
400 SH DEFINED 400 0 0
TYCO INTL LTD NEW COMMON STOCK 902124106 277
2927 SH DEFINED 2927 0 0
U S INDS INC NEW COMMON STOCK 912080108 0
2 SH DEFINED 2 0 0
UMB FINL CORP COMMON STOCK 902788108 3054
71240 SH DEFINED 71240 0 0
UNION CARBIDE CORPORATION COMMON STOCK 905581104 11
218 SH DEFINED 218 0 0
UNION PAC RES GROUP INC COMMON STOCK 907834105 5
281 SH OTHER 281 0 0
UNION PACIFIC CORPORATION COMMON STOCK 907818108 25
425 SH DEFINED 425 0 0
UNION PACIFIC CORPORATION COMMON STOCK 907818108 19
332 SH OTHER 332 0 0
UNITED DOMINION RLTY TR INC COMMON STOCK 910197102 90
7622 SH DEFINED 7622 0 0
UNITED STATES CELLULAR CORP COMMON STOCK 911684108 5
100 SH DEFINED 100 0 0
UNOCAL CORP COMMON STOCK 915289102 8
200 SH DEFINED 200 0 0
US WEST INC NEW COMMON STOCK 91273H101 631
10732 SH DEFINED 10732 0 0
V F CORP COMMON STOCK 918204108 88
2048 SH DEFINED 2048 0 0
VERAMARK TECHNOLOGIES INC COMMON STOCK 923351100 4
500 SH DEFINED 500 0 0
VERIO INC COMMON STOCK 923433106 7
100 SH DEFINED 100 0 0
WACHOVIA CORP NEW COMMON STOCK 929771103 2213
25861 SH DEFINED 25861 0 0
WADDELL & REED FINL INC CL A COMMON STOCK 930059100 0
17 SH DEFINED 17 0 0
WADDELL & REED FINL INC CL B COMMON STOCK 930059209 2
73 SH DEFINED 73 0 0
WALMART STORES INCORPORATED COMMON STOCK 931142103 2364
48990 SH DEFINED 48990 0 0
WALMART STORES INCORPORATED COMMON STOCK 931142103 116
2400 SH OTHER 2400 0 0
WARNER-LAMBERT COMPANY COMMON STOCK 934488107 2856
41310 SH DEFINED 41310 0 0
WARNER-LAMBERT COMPANY COMMON STOCK 934488107 17
250 SH OTHER 250 0 0
WASHINGTON GAS LIGHT CO COMMON STOCK 938837101 484
18600 SH DEFINED 18600 0 0
WASHINGTON GAS LIGHT CO COMMON STOCK 938837101 39
1500 SH OTHER 1500 0 0
WASHINGTON REIT SBI COMMON STOCK 939653101 19
1150 SH DEFINED 1150 0 0
WASTE MGMT INC DEL COMMON STOCK 94106L109 41
758 SH DEFINED 758 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101 97
2275 SH DEFINED 2275 0 0
WESTERN RESOURCES, INC. COMMON STOCK 959425109 13
500 SH DEFINED 500 0 0
WESTVACO CORPORATION COMMON STOCK 961548104 27
943 SH DEFINED 943 0 0
WHITE MTNS INS GROUP INC COMMON STOCK 964126106 14
100 SH DEFINED 100 0 0
WHITMAN CORPORATION NEW COMMON STOCK 96647R107 45
2500 SH DEFINED 2500 0 0
WILLIAMS COS INC COMMON STOCK 969457100 42
984 SH OTHER 984 0 0
WINN DIXIE STORES INC COMMON STOCK 974280109 138
3736 SH DEFINED 3736 0 0
WISCONSIN ENERGY CORP COMMON STOCK 976657106 35
1400 SH DEFINED 1400 0 0
XEROX CORP COMMON STOCK 984121103 543
9195 SH DEFINED 9195 0 0
1838 BD-DEB TRADING FD COMMON STOCK 282520105 16
800 SH DEFINED 800 0 0
MARATHON FINANCIAL CORPORATION COMMON STOCK 56580P104 45
6662 SH DEFINED 6662 0 0
AEGON N V COMMON STOCK 007924103 26
348 SH DEFINED 348 0 0
AGNICO EAGLE MINES LIMITED COMMON STOCK 008474108 0
5 SH OTHER 5 0 0
ALCAN ALUM COMMON STOCK 013716105 11
337 SH DEFINED 337 0 0
ASIA PULP & PAPER LTD SPON ADR COMMON STOCK 04516V100 4
400 SH DEFINED 400 0 0
BP AMOCO P L C SPON ADR COMMON STOCK 055622104 806
7430 SH DEFINED 7430 0 0
BP AMOCO P L C SPON ADR COMMON STOCK 055622104 58
532 SH OTHER 532 0 0
ERICSSON L M TEL B ADR COMMON STOCK 294821400 115
3500 SH DEFINED 3500 0 0
FOUR SEASONS HOTELS INC COMMON STOCK 35100E104 18
400 SH DEFINED 400 0 0
GALLAHER GROUP PLC SPON ADR COMMON STOCK 363595109 82
3340 SH DEFINED 3340 0 0
GALLAHER GROUP PLC SPON ADR COMMON STOCK 363595109 10
400 SH OTHER 400 0 0
GLAXO WELLCOME PLC SPONSORED A COMMON STOCK 37733W105 170
3000 SH DEFINED 3000 0 0
ING GROEP N V SPON ADR COMMON STOCK 456837103 33598
610869 SH DEFINED 610869 0 0
MAGNA INTL INC CL A COMMON STOCK 559222401 11
200 SH DEFINED 200 0 0
MILLENNIUM CHEMICALS INC COMMON STOCK 599903101 0
6 SH DEFINED 6 0 0
ROYAL DUTCH PETE CO COMMON STOCK 780257804 1746
28975 SH DEFINED 28975 0 0
ROYAL DUTCH PETE CO COMMON STOCK 780257804 6
100 SH OTHER 100 0 0
SEAGRAM LTD COMMON STOCK 811850106 15
300 SH DEFINED 300 0 0
SMITHKLINE BEECHAM P L C ADR C COMMON STOCK 832378301 326
4940 SH DEFINED 4940 0 0
ATLANTIC RICHFIELD CO $2.80 PF PREFERRED STOCK 048825400 25
100 SH DEFINED N.A. N.A. N.A.
DYNEX CAP INC PFD PREFERRED STOCK 26817Q308 24
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.
NUVEEN INSD MUN OPPORTUNITY FD OTHER 670984103 6
400 SH DEFINED N.A. N.A. N.A.
NUVEEN VA PREM INCOME MUN FD OTHER 67064R102 22
1414 SH DEFINED N.A. N.A. N.A.
PUTNAM HIGH YIELD MUNICIPAL TR OTHER 746781103 55
5000 SH DEFINED N.A. N.A. N.A.
PUTNAM MANAGED MUN INCOME TR OTHER 746823103 23
2000 SH DEFINED N.A. N.A. N.A.
ASIA PULP & PAPER LTD WT EXP 7 OTHER 04516V209 0
80 SH DEFINED 80 0 0
LIBERTY ALL-STAR GROWTH FD INC OTHER 529900102 13
1138 SH DEFINED N.A. N.A. N.A.
PIONEER INTEREST SHARES OTHER 723703104 7
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.
</TABLE>
