UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 9/29/00
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 */INVESTMENT MANAGER NAM
ADDRESS: 38 ROUSS AVE */IN
*/IN
WINCHESTER */IN, VA 22601
13F FILE NUMBER: 1.028-07118
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: MARSHALL J BEVERLEY JR
TITLE: SENIOR VP & TRUST OFFICER
PHONE: (540)665-4204
SIGNATURE,PLACE,AND DATE OF SIGNING:
MARSHALL J BEVERLEY JR WINCHESTER, VA 11/2/00
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: 224
FORM 13F INFORMATION TABLE VALUE TOTAL: $309,264
<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 LABS INC COMMON STOCK 002824100 804 16905 SH
SOLE 16905 0 0
ABBOTT LABS INC COMMON STOCK 002824100 90 1900 SH
OTHER 1900 0 0
ADELPHIA BUSINESS SOLUTIONS COMMON STOCK 006847107 1362 115298 SH
SOLE 115298 0 0
ADELPHIA BUSINESS SOLUTIONS COMMON STOCK 006847107 80 6808 SH
OTHER 6808 0 0
ADELPHIA COMMUNICATIONS CORP C COMMON STOCK 006848105 1867 67745 SH
SOLE 67745 0 0
ADELPHIA COMMUNICATIONS CORP C COMMON STOCK 006848105 180 6525 SH
OTHER 6525 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 3004 61386 SH
SOLE 61386 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 352 7195 SH
OTHER 7195 0 0
AIRGAS, INC COMMON STOCK 009363102 65 9500 SH
SOLE 9500 0 0
AIRGAS, INC COMMON STOCK 009363102 9 1300 SH
OTHER 1300 0 0
ALLEGHENY ENERGY COMMON STOCK 017361106 1593 41720 SH
SOLE 41720 0 0
ALLEGHENY ENERGY COMMON STOCK 017361106 172 4495 SH
OTHER 4495 0 0
ALLTEL CORP COMMON STOCK 020039103 1650 31625 SH
SOLE 31625 0 0
ALLTEL CORP COMMON STOCK 020039103 134 2576 SH
OTHER 2576 0 0
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 1275 23725 SH
SOLE 23725 0 0
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 138 2570 SH
OTHER 2570 0 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109 3893 64075 SH
SOLE 64075 0 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109 516 8500 SH
OTHER 8500 0 0
AMERICAN HOME PRODUCTS INC COMMON STOCK 026609107 5202 91962 SH
SOLE 91962 0 0
AMERICAN HOME PRODUCTS INC COMMON STOCK 026609107 652 11530 SH
OTHER 11530 0 0
AMGEN INC COM COMMON STOCK 031162100 2555 36595 SH
SOLE 36595 0 0
AMGEN INC COM COMMON STOCK 031162100 241 3450 SH
OTHER 3450 0 0
APPLIED MATERIALS COMMON STOCK 038222105 1558 26265 SH
SOLE 26265 0 0
APPLIED MATERIALS COMMON STOCK 038222105 207 3490 SH
OTHER 3490 0 0
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 38 1008 SH
SOLE 1008 0 0
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 171 4504 SH
OTHER 4504 0 0
AT & T WIRELESS GROUP COMMON STOCK 001957406 288 13790 SH
SOLE 13790 0 0
AT & T WIRELESS GROUP COMMON STOCK 001957406 29 1400 SH
OTHER 1400 0 0
AT&T CORP COMMON STOCK 001957109 1247 42467 SH
SOLE 42467 0 0
AT&T CORP COMMON STOCK 001957109 97 3287 SH
OTHER 3287 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 599 8950 SH
SOLE 8950 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 40 600 SH
OTHER 600 0 0
BANK AMERICA CORP COMMON STOCK 060505104 2571 49091 SH
SOLE 49091 0 0
BANK AMERICA CORP COMMON STOCK 060505104 233 4450 SH
OTHER 4450 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 3245 40663 SH
SOLE 40663 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 302 3790 SH
OTHER 3790 0 0
BB&T CORP COM COMMON STOCK 054937107 368 12209 SH
SOLE 12209 0 0
BB&T CORP COM COMMON STOCK 054937107 113 3751 SH
OTHER 3751 0 0
BELLSOUTH CORP COMMON STOCK 079860102 2159 53638 SH
SOLE 53638 0 0
BELLSOUTH CORP COMMON STOCK 079860102 445 11067 SH
OTHER 11067 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670207 244 118 SH
SOLE 118 0 0
BESTFOODS INC COM COMMON STOCK 08658U101 382 5250 SH
SOLE 5250 0 0
BESTFOODS INC COM COMMON STOCK 08658U101 189 2600 SH
OTHER 2600 0 0
BOEING COMPANY COMMON STOCK 097023105 296 4700 SH
SOLE 4700 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 6316 110558 SH
SOLE 110558 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 528 9236 SH
OTHER 9236 0 0
CABLEVISION SYS CORP CL A COMMON STOCK 12686C109 2294 34595 SH
SOLE 34595 0 0
CABLEVISION SYS CORP CL A COMMON STOCK 12686C109 128 1925 SH
OTHER 1925 0 0
CAPITAL ONE FINANCIAL COMMON STOCK 14040H105 1008 14390 SH
SOLE 14390 0 0
CAPITAL ONE FINANCIAL COMMON STOCK 14040H105 4844 69135 SH
OTHER 69135 0 0
CATERPILLAR INC DEL COMMON STOCK 149123101 757 22444 SH
SOLE 22444 0 0
CATERPILLAR INC DEL COMMON STOCK 149123101 29 850 SH
OTHER 850 0 0
CHEVRON CORP COMMON STOCK 166751107 3638 42679 SH
SOLE 42679 0 0
CHEVRON CORP COMMON STOCK 166751107 386 4525 SH
OTHER 4525 0 0
CISCO SYSTEMS INC COM COMMON STOCK 17275R102 4179 75638 SH
SOLE 75638 0 0
CISCO SYSTEMS INC COM COMMON STOCK 17275R102 373 6755 SH
OTHER 6755 0 0
CITIGROUP INC COM COMMON STOCK 172967101 1541 28513 SH
SOLE 28513 0 0
CITIGROUP INC COM COMMON STOCK 172967101 269 4970 SH
OTHER 4970 0 0
COCA COLA CO COM COMMON STOCK 191216100 7134 129424 SH
SOLE 129424 0 0
COCA COLA CO COM COMMON STOCK 191216100 926 16790 SH
OTHER 16790 0 0
COLGATE-PALMOLIVE COM COMMON STOCK 194162103 1222 25900 SH
SOLE 25900 0 0
COLGATE-PALMOLIVE COM COMMON STOCK 194162103 170 3600 SH
OTHER 3600 0 0
COMCAST CORP COMMON STOCK 200300101 627 15400 SH
SOLE 15400 0 0
COMCAST CORP COMMON STOCK 200300101 98 2400 SH
OTHER 2400 0 0
COMCAST CORP COMMON STOCK 200300200 1506 36785 SH
SOLE 36785 0 0
COMCAST CORP COMMON STOCK 200300200 149 3650 SH
OTHER 3650 0 0
COMPAQ COMPUTER CORP COM COMMON STOCK 204493100 2052 74410 SH
SOLE 74410 0 0
COMPAQ COMPUTER CORP COM COMMON STOCK 204493100 256 9275 SH
OTHER 9275 0 0
CORNING INC COM COMMON STOCK 219350105 209 705 SH
SOLE 705 0 0
CYPRESS SEMICONDUCTOR CORP COMMON STOCK 232806109 865 20805 SH
SOLE 20805 0 0
CYPRESS SEMICONDUCTOR CORP COMMON STOCK 232806109 6 150 SH
OTHER 150 0 0
DOMINION RESOURCES INC VA COMMON STOCK 25746U109 1145 19715 SH
SOLE 19715 0 0
DOMINION RESOURCES INC VA COMMON STOCK 25746U109 103 1775 SH
OTHER 1775 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 778 18764 SH
SOLE 18764 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 31 750 SH
OTHER 750 0 0
DUKE ENERGY CORP COM COMMON STOCK 264399106 883 10300 SH
SOLE 10300 0 0
DUKE ENERGY CORP COM COMMON STOCK 264399106 99 1150 SH
OTHER 1150 0 0
E M C CORP MASS COM COMMON STOCK 268648102 8800 88772 SH
SOLE 88772 0 0
E M C CORP MASS COM COMMON STOCK 268648102 857 8650 SH
OTHER 8650 0 0
ELI LILLY & CO. COMMON STOCK 532457108 589 7260 SH
SOLE 7260 0 0
ELI LILLY & CO. COMMON STOCK 532457108 8 100 SH
OTHER 100 0 0
ENRON CORP COM COMMON STOCK 293561106 149 1700 SH
SOLE 1700 0 0
ENRON CORP COM COMMON STOCK 293561106 70 800 SH
OTHER 800 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 6395 71751 SH
SOLE 71751 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 813 9120 SH
OTHER 9120 0 0
F & M NATL CORP COM COMMON STOCK 302374103 5923 242383 SH
SOLE 242383 0 0
F & M NATL CORP COM COMMON STOCK 302374103 528 21593 SH
OTHER 21593 0 0
FAUQUIER BANKSHARES INC COM COMMON STOCK 312059108 187 11894 SH
SOLE 11894 0 0
FAUQUIER BANKSHARES INC COM COMMON STOCK 312059108 151 9600 SH
OTHER 9600 0 0
FEDERAL NATIONAL MORTGAGE COM COMMON STOCK 313586109 1872 26177 SH
SOLE 26177 0 0
FEDERAL NATIONAL MORTGAGE COM COMMON STOCK 313586109 152 2125 SH
OTHER 2125 0 0
FIRST UTD CORP COMMON STOCK 33741H107 219 20354 SH
OTHER 20354 0 0
FIRST VA BKS INC COMMON STOCK 337477103 878 20599 SH
SOLE 20599 0 0
FIRST VA BKS INC COMMON STOCK 337477103 300 7038 SH
OTHER 7038 0 0
FLEETBOSTON FINANCIAL CORP COMMON STOCK 339030108 312 7990 SH
SOLE 7990 0 0
FLEETBOSTON FINANCIAL CORP COMMON STOCK 339030108 123 3146 SH
OTHER 3146 0 0
FLORIDA PROGRESS CORP COMMON STOCK 341109106 535 10100 SH
SOLE 10100 0 0
FLORIDA PROGRESS CORP COMMON STOCK 341109106 19 350 SH
OTHER 350 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 366 14464 SH
SOLE 14464 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 423 16711 SH
OTHER 16711 0 0
FPL GROUP INC COM COMMON STOCK 302571104 2107 32043 SH
SOLE 32043 0 0
FPL GROUP INC COM COMMON STOCK 302571104 244 3708 SH
OTHER 3708 0 0
GANNETT CO., INC. COMMON STOCK 364730101 1909 36020 SH
SOLE 36020 0 0
GANNETT CO., INC. COMMON STOCK 364730101 204 3850 SH
OTHER 3850 0 0
GENERAL AMER INVEST COMMON STOCK 368802104 2434 58220 SH
SOLE 58220 0 0
GENERAL ELECTRIC CORP COM COMMON STOCK 369604103 19842 343953 SH
SOLE 343953 0 0
GENERAL ELECTRIC CORP COM COMMON STOCK 369604103 1903 32980 SH
OTHER 32980 0 0
GENERAL MOTORS CORP CLASS H COMMON STOCK 370442832 658 17706 SH
SOLE 17706 0 0
GENERAL MOTORS CORP CLASS H COMMON STOCK 370442832 60 1622 SH
OTHER 1622 0 0
GENERAL MTRS CORP COM COMMON STOCK 370442105 123 1892 SH
SOLE 1892 0 0
GENERAL MTRS CORP COM COMMON STOCK 370442105 86 1319 SH
OTHER 1319 0 0
GILLETTE CO COM COMMON STOCK 375766102 924 29939 SH
SOLE 29939 0 0
GILLETTE CO COM COMMON STOCK 375766102 88 2850 SH
OTHER 2850 0 0
GLOBAL CROSSING LTD COMMON STOCK G3921A100 1995 64352 SH
SOLE 64352 0 0
GLOBAL CROSSING LTD COMMON STOCK G3921A100 184 5925 SH
OTHER 5925 0 0
HEINZ H J CO COM COMMON STOCK 423074103 217 5854 SH
SOLE 5854 0 0
HEINZ H J CO COM COMMON STOCK 423074103 41 1100 SH
OTHER 1100 0 0
HEWLETT-PACKARD CO COM COMMON STOCK 428236103 664 6845 SH
SOLE 6845 0 0
HEWLETT-PACKARD CO COM COMMON STOCK 428236103 29 300 SH
OTHER 300 0 0
HOME DEPOT INC COM COMMON STOCK 437076102 584 11012 SH
SOLE 11012 0 0
HOME DEPOT INC COM COMMON STOCK 437076102 29 550 SH
OTHER 550 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 345 9684 SH
SOLE 9684 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 14 400 SH
OTHER 400 0 0
IBM CORPORATION COM COMMON STOCK 459200101 2191 19474 SH
SOLE 19474 0 0
IBM CORPORATION COM COMMON STOCK 459200101 407 3619 SH
OTHER 3619 0 0
ILLINOIS TOOL WORKS COMMON STOCK 452308109 876 15686 SH
SOLE 15686 0 0
ILLINOIS TOOL WORKS COMMON STOCK 452308109 83 1494 SH
OTHER 1494 0 0
INDEPENDENT CMNTY BANKSHARES I COMMON STOCK 45384Q103 541 21640 SH
SOLE 21640 0 0
INTEL CORP COM COMMON STOCK 458140100 7180 172758 SH
SOLE 172758 0 0
INTEL CORP COM COMMON STOCK 458140100 777 18700 SH
OTHER 18700 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104 5896 62769 SH
SOLE 62769 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104 694 7390 SH
OTHER 7390 0 0
KIMBERLY-CLARK CORP COM COMMON STOCK 494368103 122 2184 SH
SOLE 2184 0 0
KIMBERLY-CLARK CORP COM COMMON STOCK 494368103 89 1600 SH
OTHER 1600 0 0
LUCENT TECHNOLOGIES INC COM COMMON STOCK 549463107 2472 80871 SH
SOLE 80871 0 0
LUCENT TECHNOLOGIES INC COM COMMON STOCK 549463107 297 9713 SH
OTHER 9713 0 0
MBNA CORPORATION COM COMMON STOCK 55262L100 637 16548 SH
SOLE 16548 0 0
MBNA CORPORATION COM COMMON STOCK 55262L100 69 1800 SH
OTHER 1800 0 0
MCDONALDS CORP COM COMMON STOCK 580135101 1672 55386 SH
SOLE 55386 0 0
MCDONALDS CORP COM COMMON STOCK 580135101 226 7490 SH
OTHER 7490 0 0
MEDTRONICS COMMON STOCK 585055106 1527 29470 SH
SOLE 29470 0 0
MEDTRONICS COMMON STOCK 585055106 291 5625 SH
OTHER 5625 0 0
MERCK & CO INC COM COMMON STOCK 589331107 6234 83749 SH
SOLE 83749 0 0
MERCK & CO INC COM COMMON STOCK 589331107 623 8365 SH
OTHER 8365 0 0
MINNESOTA MINING COM COMMON STOCK 604059105 524 5750 SH
SOLE 5750 0 0
MORGAN J P & CO INC COMMON STOCK 616880100 547 3351 SH
SOLE 3351 0 0
MORGAN J P & CO INC COMMON STOCK 616880100 261 1600 SH
OTHER 1600 0 0
MOTOROLA INC COM COMMON STOCK 620076109 472 16718 SH
SOLE 16718 0 0
MOTOROLA INC COM COMMON STOCK 620076109 76 2700 SH
OTHER 2700 0 0
NEXTL COMMUNICATIONS COMMON STOCK 65332V103 2460 52626 SH
SOLE 52626 0 0
NEXTL COMMUNICATIONS COMMON STOCK 65332V103 323 6915 SH
OTHER 6915 0 0
NOKIA CORP. COMMON STOCK 654902204 430 10795 SH
SOLE 10795 0 0
NOKIA CORP. COMMON STOCK 654902204 23 575 SH
OTHER 575 0 0
NTL INCORPORATED COMMON STOCK 629407107 1271 27439 SH
SOLE 27439 0 0
NTL INCORPORATED COMMON STOCK 629407107 112 2410 SH
OTHER 2410 0 0
OAKWOOD HOMES CORP COMMON STOCK 674098108 129 85950 SH
SOLE 85950 0 0
OAKWOOD HOMES CORP COMMON STOCK 674098108 14 9325 SH
OTHER 9325 0 0
ORACLE CORPORATION COM COMMON STOCK 68389X105 1596 20263 SH
SOLE 20263 0 0
ORACLE CORPORATION COM COMMON STOCK 68389X105 19 240 SH
OTHER 240 0 0
PECO ENERGY CO COMMON STOCK 693304107 170 2808 SH
SOLE 2808 0 0
PECO ENERGY CO COMMON STOCK 693304107 45 750 SH
OTHER 750 0 0
PEPSICO INC COM COMMON STOCK 713448108 2122 46134 SH
SOLE 46134 0 0
PEPSICO INC COM COMMON STOCK 713448108 81 1750 SH
OTHER 1750 0 0
PFIZER INC COM COMMON STOCK 717081103 11429 254323 SH
SOLE 254323 0 0
PFIZER INC COM COMMON STOCK 717081103 1410 31378 SH
OTHER 31378 0 0
PHARMACIA CORP COMMON STOCK 71713U102 2711 45041 SH
SOLE 45041 0 0
PHARMACIA CORP COMMON STOCK 71713U102 726 12064 SH
OTHER 12064 0 0
PHILIP MORRIS COMPANIES INC CO COMMON STOCK 718154107 641 21765 SH
SOLE 21765 0 0
PHILIP MORRIS COMPANIES INC CO COMMON STOCK 718154107 923 31370 SH
OTHER 31370 0 0
POTOMAC ELECTRIC POWER CO COM COMMON STOCK 737679100 97 3845 SH
SOLE 3845 0 0
POTOMAC ELECTRIC POWER CO COM COMMON STOCK 737679100 125 4964 SH
OTHER 4964 0 0
PROCTER & GAMBLE COMPANY COM COMMON STOCK 742718109 2503 37352 SH
SOLE 37352 0 0
PROCTER & GAMBLE COMPANY COM COMMON STOCK 742718109 225 3365 SH
OTHER 3365 0 0
QUAKER OATS COMPANY COM COMMON STOCK 747402105 229 2900 SH
SOLE 2900 0 0
QWEST COMMUNICATIONS INTL INC COMMON STOCK 749121109 5701 118615 SH
SOLE 118615 0 0
QWEST COMMUNICATIONS INTL INC COMMON STOCK 749121109 364 7566 SH
OTHER 7566 0 0
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 1767 35339 SH
SOLE 35339 0 0
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 220 4393 SH
OTHER 4393 0 0
SCHERING-PLOUGH CORP COM COMMON STOCK 806605101 231 4960 SH
SOLE 4960 0 0
SCHLUMBERGER LTD COM COMMON STOCK 806857108 331 4026 SH
SOLE 4026 0 0
SPRINT PCS (PCS GROUP) COMMON STOCK 852061506 1128 32175 SH
SOLE 32175 0 0
SPRINT PCS (PCS GROUP) COMMON STOCK 852061506 104 2975 SH
OTHER 2975 0 0
SUN MICROSYSTEMS INC COM COMMON STOCK 866810104 9340 80002 SH
SOLE 80002 0 0
SUN MICROSYSTEMS INC COM COMMON STOCK 866810104 990 8483 SH
OTHER 8483 0 0
SUNTRUST BANKS INC COMMON STOCK 867914103 1908 38310 SH
SOLE 38310 0 0
SUNTRUST BANKS INC COMMON STOCK 867914103 334 6712 SH
OTHER 6712 0 0
TECO ENERGY INC COMMON STOCK 872375100 187 6500 SH
SOLE 6500 0 0
TECO ENERGY INC COMMON STOCK 872375100 14 500 SH
OTHER 500 0 0
TEXACO INC COM COMMON STOCK 881694103 381 7250 SH
SOLE 7250 0 0
TEXACO INC COM COMMON STOCK 881694103 209 3975 SH
OTHER 3975 0 0
TEXTRON INC COMMON STOCK 883203101 628 13615 SH
SOLE 13615 0 0
TEXTRON INC COMMON STOCK 883203101 193 4175 SH
OTHER 4175 0 0
TIME WARNER INC COM COMMON STOCK 887315109 2074 26502 SH
SOLE 26502 0 0
TIME WARNER INC COM COMMON STOCK 887315109 221 2825 SH
OTHER 2825 0 0
TYCO INTL LTD NEW COMMON STOCK 902124106 324 6254 SH
SOLE 6254 0 0
UMB FINANCIAL CORP COM COMMON STOCK 902788108 2623 70414 SH
SOLE 70414 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 3897 80459 SH
SOLE 80459 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 950 19609 SH
OTHER 19609 0 0
VODAFONE GROUP PLC NEW COMMON STOCK 92857W100 1068 28866 SH
SOLE 28866 0 0
VODAFONE GROUP PLC NEW COMMON STOCK 92857W100 77 2087 SH
OTHER 2087 0 0
WACHOVIA CORP COM COMMON STOCK 929771103 2807 49522 SH
SOLE 49522 0 0
WACHOVIA CORP COM COMMON STOCK 929771103 288 5073 SH
OTHER 5073 0 0
WALMART STORES INC COM COMMON STOCK 931142103 1433 29785 SH
SOLE 29785 0 0
WALMART STORES INC COM COMMON STOCK 931142103 279 5800 SH
OTHER 5800 0 0
WALT DISNEY COMPANY COM COMMON STOCK 254687106 1422 37186 SH
SOLE 37186 0 0
WALT DISNEY COMPANY COM COMMON STOCK 254687106 134 3500 SH
OTHER 3500 0 0
WASHINGTON GAS LT CO COM COMMON STOCK 938837101 492 18300 SH
SOLE 18300 0 0
WASHINGTON GAS LT CO COM COMMON STOCK 938837101 40 1500 SH
OTHER 1500 0 0
WELLS FARGO & CO NEW COM COMMON STOCK 949746101 732 15925 SH
SOLE 15925 0 0
WELLS FARGO & CO NEW COM COMMON STOCK 949746101 49 1075 SH
OTHER 1075 0 0
WORLDCOM INC GA NEW COMMON STOCK 98157D106 1498 49333 SH
SOLE 49333 0 0
WORLDCOM INC GA NEW COMMON STOCK 98157D106 157 5175 SH
OTHER 5175 0 0
1ST UNION CORP COMMON STOCK 337358105 951 29535 SH
SOLE 29535 0 0
1ST UNION CORP COMMON STOCK 337358105 1060 32941 SH
OTHER 32941 0 0
BP AMOCO PLC SPNSR ADR COMMON STOCK 055622104 1274 24034 SH
SOLE 24034 0 0
BP AMOCO PLC SPNSR ADR COMMON STOCK 055622104 85 1602 SH
OTHER 1602 0 0
ERICSSON TELEPHONE COM COMMON STOCK 294821400 278 18800 SH
SOLE 18800 0 0
ING GROEP NV ADR COMMON STOCK 456837103 40030 607669 SH
SOLE 607669 0 0
NORTEL NETWORKS CORP NEW COMMON STOCK 656568102 3588 60236 SH
SOLE 60236 0 0
NORTEL NETWORKS CORP NEW COMMON STOCK 656568102 321 5395 SH
OTHER 5395 0 0
ROYAL DUTCH PETRO NY REG SH AD COMMON STOCK 780257804 2203 36749 SH
SOLE 36749 0 0
ROYAL DUTCH PETRO NY REG SH AD COMMON STOCK 780257804 291 4850 SH
OTHER 4850 0 0
SMITHKLINE BEECHAM COMMON STOCK 832378301 370 5397 SH
SOLE 5397 0 0
SMITHKLINE BEECHAM COMMON STOCK 832378301 56 820 SH
OTHER 820 0 0
</TABLE>
