UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 3/31/00
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 *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 4/6/00
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: 198
FORM 13F INFORMATION TABLE VALUE TOTAL: $288,107
<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 645 18325 SH
DEFINED 18325 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 28 800 SH
OTHER 800 0 0
ADELPHIA BUSINESS SOLUTIONS CL COMMON STOCK 006847107 3484 56537 SH
DEFINED 56537 0 0
ADELPHIA BUSINESS SOLUTIONS CL COMMON STOCK 006847107 22 350 SH
OTHER 350 0 0
ADELPHIA COMMUNICATIONS CORP C COMMON STOCK 006848105 2942 60050 SH
DEFINED 60050 0 0
ADELPHIA COMMUNICATIONS CORP C COMMON STOCK 006848105 29 600 SH
OTHER 600 0 0
AIRGAS INC COMMON STOCK 009363102 93 11160 SH
DEFINED 11160 0 0
AIRGAS INC COMMON STOCK 009363102 1 100 SH
OTHER 100 0 0
ALLEGHENY ENERGY INC COMMON STOCK 017361106 1266 45715 SH
DEFINED 45715 0 0
ALLEGHENY ENERGY INC COMMON STOCK 017361106 78 2800 SH
OTHER 2800 0 0
ALLTEL CORP COMMON STOCK 020039103 2214 34999 SH
DEFINED 34999 0 0
ALLTEL CORP COMMON STOCK 020039103 38 600 SH
OTHER 600 0 0
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 1831 27150 SH
DEFINED 27150 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 3310 22225 SH
DEFINED 22225 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 134 900 SH
OTHER 900 0 0
AMERICAN HOME PRODUCTS CORPORA COMMON STOCK 026609107 4963 92338 SH
DEFINED 92338 0 0
AMERICAN HOME PRODUCTS CORPORA COMMON STOCK 026609107 108 2000 SH
OTHER 2000 0 0
AMGEN INC COMMON STOCK 031162100 351 5720 SH
DEFINED 5720 0 0
AT & T CORP COMMON STOCK 001957109 1957 34744 SH
DEFINED 34744 0 0
ATLANTIC RICHFIELD COMPANY COMMON STOCK 048825103 526 6190 SH
DEFINED 6190 0 0
ATLANTIC RICHFIELD COMPANY COMMON STOCK 048825103 17 200 SH
OTHER 200 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 468 9700 SH
DEFINED 9700 0 0
BANK OF AMERICA COMMON STOCK 060505104 2624 50036 SH
DEFINED 50036 0 0
BANK OF AMERICA COMMON STOCK 060505104 58 1097 SH
OTHER 1097 0 0
BAXTER INTERNATIONAL INCORPORA COMMON STOCK 071813109 1872 29870 SH
DEFINED 29870 0 0
BAXTER INTERNATIONAL INCORPORA COMMON STOCK 071813109 41 660 SH
OTHER 660 0 0
BB & T CORP COMMON STOCK 054937107 378 13459 SH
DEFINED 13459 0 0
BCE INC COMMON STOCK 05534B109 1865 14870 SH
DEFINED 14870 0 0
BCE INC COMMON STOCK 05534B109 34 275 SH
OTHER 275 0 0
BELL ATLANTIC CORP. COMMON STOCK 077853109 4197 68660 SH
DEFINED 68660 0 0
BELL ATLANTIC CORP. COMMON STOCK 077853109 277 4528 SH
OTHER 4528 0 0
BELLSOUTH CORP COMMON STOCK 079860102 2686 57304 SH
DEFINED 57304 0 0
BELLSOUTH CORP COMMON STOCK 079860102 295 6299 SH
OTHER 6299 0 0
BESTFOODS COMMON STOCK 08658U101 331 7070 SH
DEFINED 7070 0 0
BESTFOODS COMMON STOCK 08658U101 108 2300 SH
OTHER 2300 0 0
BOEING COMPANY COMMON STOCK 097023105 312 8250 SH
DEFINED 8250 0 0
BOEING COMPANY COMMON STOCK 097023105 6 150 SH
OTHER 150 0 0
BRISTOL-MYERS SQUIBB COMPANY COMMON STOCK 110122108 5931 102266 SH
DEFINED 102266 0 0
BRISTOL-MYERS SQUIBB COMPANY COMMON STOCK 110122108 194 3350 SH
OTHER 3350 0 0
CABLEVISION SYS CORP CL A COMMON STOCK 12686C109 1793 29520 SH
DEFINED 29520 0 0
CAPITAL ONE FINL CORP COMMON STOCK 14040H105 4025 83961 SH
DEFINED 83961 0 0
CATERPILLAR INC COMMON STOCK 149123101 712 18045 SH
DEFINED 18045 0 0
CHEVRON CORPORATION COMMON STOCK 166751107 3873 41894 SH
DEFINED 41894 0 0
CHEVRON CORPORATION COMMON STOCK 166751107 37 400 SH
OTHER 400 0 0
CISCO SYS INC COMMON STOCK 17275R102 5144 66538 SH
DEFINED 66538 0 0
CISCO SYS INC COMMON STOCK 17275R102 46 600 SH
OTHER 600 0 0
CITIGROUP INC COMMON STOCK 172967101 1152 19248 SH
DEFINED 19248 0 0
CITIGROUP INC COMMON STOCK 172967101 75 1248 SH
OTHER 1248 0 0
COCA COLA COMPANY COMMON STOCK 191216100 6253 133225 SH
DEFINED 133225 0 0
COCA COLA COMPANY COMMON STOCK 191216100 271 5775 SH
OTHER 5775 0 0
COLGATE-PALMOLIVE COMPANY COMMON STOCK 194162103 3815 67670 SH
DEFINED 67670 0 0
COLGATE-PALMOLIVE COMPANY COMMON STOCK 194162103 56 1000 SH
OTHER 1000 0 0
COMCAST CORP CL A COMMON STOCK 200300101 730 17700 SH
DEFINED 17700 0 0
COMCAST CORP SPL CL A COMMON STOCK 200300200 1728 39845 SH
DEFINED 39845 0 0
COMCAST CORP SPL CL A COMMON STOCK 200300200 13 300 SH
OTHER 300 0 0
COMPAQ COMPUTER CORP COMMON STOCK 204493100 1986 73560 SH
DEFINED 73560 0 0
COMPAQ COMPUTER CORP COMMON STOCK 204493100 57 2100 SH
OTHER 2100 0 0
CYPRESS SEMICONDUCTOR CORP COMMON STOCK 232806109 212 4325 SH
DEFINED 4325 0 0
DISNEY (WALT) CO NEW COMMON STOCK 254687106 1572 38114 SH
DEFINED 38114 0 0
DISNEY (WALT) CO NEW COMMON STOCK 254687106 8 200 SH
OTHER 200 0 0
DOMINION RESOURCES INC VA NEW COMMON STOCK 25746U109 733 19058 SH
DEFINED 19058 0 0
DOMINION RESOURCES INC VA NEW COMMON STOCK 25746U109 12 300 SH
OTHER 300 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 264 2315 SH
DEFINED 2315 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 6 50 SH
OTHER 50 0 0
DU PONT DE NEMOURS & COMPANY COMMON STOCK 263534109 1041 19671 SH
DEFINED 19671 0 0
DUKE ENERGY CORP COMMON STOCK 264399106 522 9950 SH
DEFINED 9950 0 0
DUKE ENERGY CORP COMMON STOCK 264399106 32 600 SH
OTHER 600 0 0
E M C CORP MASS COMMON STOCK 268648102 5485 43531 SH
DEFINED 43531 0 0
E M C CORP MASS COMMON STOCK 268648102 66 525 SH
OTHER 525 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 5770 74033 SH
DEFINED 74033 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 146 1870 SH
OTHER 1870 0 0
F & M NATIONAL CORPORATION COMMON STOCK 302374103 5430 246809 SH
DEFINED 246809 0 0
F & M NATIONAL CORPORATION COMMON STOCK 302374103 188 8541 SH
OTHER 8541 0 0
FAUQUIER BANKSHARES INC COMMON STOCK 312059108 185 11894 SH
DEFINED 11894 0 0
FAUQUIER BANKSHARES INC COMMON STOCK 312059108 149 9600 SH
OTHER 9600 0 0
FEDERAL NATL MTG ASSN COMMON STOCK 313586109 1188 21012 SH
DEFINED 21012 0 0
FEDERAL NATL MTG ASSN COMMON STOCK 313586109 28 500 SH
OTHER 500 0 0
FIRST UNION CORP COMMON STOCK 337358105 1561 41917 SH
DEFINED 41917 0 0
FIRST UNION CORP COMMON STOCK 337358105 57 1528 SH
OTHER 1528 0 0
FIRST UNITED CORP COMMON STOCK 33741H107 193 20354 SH
DEFINED 20354 0 0
FIRST VIRGINIA BANKS INCORPORA COMMON STOCK 337477103 927 24690 SH
DEFINED 24690 0 0
FIRST VIRGINIA BANKS INCORPORA COMMON STOCK 337477103 80 2139 SH
OTHER 2139 0 0
FLORIDA PROGRESS CORP COMMON STOCK 341109106 540 11775 SH
DEFINED 11775 0 0
FLORIDA PROGRESS CORP COMMON STOCK 341109106 7 150 SH
OTHER 150 0 0
FORD MOTOR COMPANY COMMON STOCK 345370100 472 10277 SH
DEFINED 10277 0 0
FORD MOTOR COMPANY COMMON STOCK 345370100 354 7700 SH
OTHER 7700 0 0
FPL GROUP, INC COMMON STOCK 302571104 1677 36401 SH
DEFINED 36401 0 0
FPL GROUP, INC COMMON STOCK 302571104 55 1200 SH
OTHER 1200 0 0
GANNETT INC COMMON STOCK 364730101 2332 33130 SH
DEFINED 33130 0 0
GANNETT INC COMMON STOCK 364730101 70 1000 SH
OTHER 1000 0 0
GENERAL AMERN INVS INC COMMON STOCK 368802104 2292 58220 SH
DEFINED 58220 0 0
GENERAL ELECTRIC COMPANY COMMON STOCK 369604103 19348 124324 SH
DEFINED 124324 0 0
GENERAL ELECTRIC COMPANY COMMON STOCK 369604103 451 2900 SH
OTHER 2900 0 0
GENERAL MOTORS CORP CL H NEW COMMON STOCK 370442832 506 4067 SH
DEFINED 4067 0 0
GENERAL MOTORS CORPORATION COMMON STOCK 370442105 231 2790 SH
DEFINED 2790 0 0
GENERAL MOTORS CORPORATION COMMON STOCK 370442105 33 400 SH
OTHER 400 0 0
GEORGIA PAC CORP COMMON STOCK 373298108 251 6346 SH
DEFINED 6346 0 0
GILLETTE COMPANY COMMON STOCK 375766102 1150 30514 SH
DEFINED 30514 0 0
GILLETTE COMPANY COMMON STOCK 375766102 15 400 SH
OTHER 400 0 0
GLOBAL CROSSING LTD COMMON STOCK G3921A100 2315 56542 SH
DEFINED 56542 0 0
GLOBAL CROSSING LTD COMMON STOCK G3921A100 9 225 SH
OTHER 225 0 0
GTE CORPORATION COMMON STOCK 362320103 2747 38696 SH
DEFINED 38696 0 0
GTE CORPORATION COMMON STOCK 362320103 88 1234 SH
OTHER 1234 0 0
HEINZ (H J) & COMPANY COMMON STOCK 423074103 293 8404 SH
DEFINED 8404 0 0
HEINZ (H J) & COMPANY COMMON STOCK 423074103 31 900 SH
OTHER 900 0 0
HEWLETT PACKARD COMPANY COMMON STOCK 428236103 643 4840 SH
DEFINED 4840 0 0
HOME DEPOT INCORPORATED COMMON STOCK 437076102 337 5220 SH
DEFINED 5220 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 1266 24019 SH
DEFINED 24019 0 0
IBM CORPORATION COMMON STOCK 459200101 2298 19476 SH
DEFINED 19476 0 0
IBM CORPORATION COMMON STOCK 459200101 112 950 SH
OTHER 950 0 0
ILLINOIS TOOL WORKS INCORPORAT COMMON STOCK 452308109 721 13045 SH
DEFINED 13045 0 0
ILLINOIS TOOL WORKS INCORPORAT COMMON STOCK 452308109 30 550 SH
OTHER 550 0 0
INTEL CORPORATION COMMON STOCK 458140100 11925 90382 SH
DEFINED 90382 0 0
INTEL CORPORATION COMMON STOCK 458140100 119 900 SH
OTHER 900 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 4330 61644 SH
DEFINED 61644 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 186 2650 SH
OTHER 2650 0 0
LILLY (ELI) COMPANY COMMON STOCK 532457108 323 5160 SH
DEFINED 5160 0 0
LILLY (ELI) COMPANY COMMON STOCK 532457108 6 100 SH
OTHER 100 0 0
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 3881 63358 SH
DEFINED 63358 0 0
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 119 1941 SH
OTHER 1941 0 0
MBNA CORP COMMON STOCK 55262L100 386 15148 SH
DEFINED 15148 0 0
MBNA CORP COMMON STOCK 55262L100 32 1250 SH
OTHER 1250 0 0
MCDONALD'S CORPORATION COMMON STOCK 580135101 2702 72295 SH
DEFINED 72295 0 0
MCDONALD'S CORPORATION COMMON STOCK 580135101 59 1566 SH
OTHER 1566 0 0
MCI WORLDCOM INC COMMON STOCK 55268B106 2172 47944 SH
DEFINED 47944 0 0
MCI WORLDCOM INC COMMON STOCK 55268B106 27 600 SH
OTHER 600 0 0
MEDIAONE GROUP INC COMMON STOCK 58440J104 391 4823 SH
DEFINED 4823 0 0
MEDTRONIC INCORPORATED COMMON STOCK 585055106 1523 29615 SH
DEFINED 29615 0 0
MEDTRONIC INCORPORATED COMMON STOCK 585055106 15 300 SH
OTHER 300 0 0
MERCK & COMPANY INCORPORATED COMMON STOCK 589331107 4007 64495 SH
DEFINED 64495 0 0
MERCK & COMPANY INCORPORATED COMMON STOCK 589331107 116 1875 SH
OTHER 1875 0 0
MICROSOFT CORP COMMON STOCK 594918104 16218 152641 SH
DEFINED 152641 0 0
MICROSOFT CORP COMMON STOCK 594918104 202 1900 SH
OTHER 1900 0 0
MONSANTO COMPANY COMMON STOCK 611662107 511 9930 SH
DEFINED 9930 0 0
MONSANTO COMPANY COMMON STOCK 611662107 103 2000 SH
OTHER 2000 0 0
MORGAN (J.P.) & COMPANY COMMON STOCK 616880100 428 3251 SH
DEFINED 3251 0 0
MORGAN (J.P.) & COMPANY COMMON STOCK 616880100 119 900 SH
OTHER 900 0 0
MOTOROLA INC COMMON STOCK 620076109 726 4975 SH
DEFINED 4975 0 0
MOTOROLA INC COMMON STOCK 620076109 95 650 SH
OTHER 650 0 0
NEXTEL COMMUNICATIONS INC CL A COMMON STOCK 65332V103 4185 28230 SH
DEFINED 28230 0 0
NEXTEL COMMUNICATIONS INC CL A COMMON STOCK 65332V103 30 200 SH
OTHER 200 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 262 18370 SH
DEFINED 18370 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 18 1260 SH
OTHER 1260 0 0
NTL INC COMMON STOCK 629407107 1842 19849 SH
DEFINED 19849 0 0
NTL INC COMMON STOCK 629407107 26 280 SH
OTHER 280 0 0
OAKWOOD HOMES CORP COMMON STOCK 674098108 352 92450 SH
DEFINED 92450 0 0
OAKWOOD HOMES CORP COMMON STOCK 674098108 4 1000 SH
OTHER 1000 0 0
ORACLE SYS CORP COMMON STOCK 68389X105 1083 13873 SH
DEFINED 13873 0 0
PEPSICO INCORPORATED COMMON STOCK 713448108 1083 31051 SH
DEFINED 31051 0 0
PEPSICO INCORPORATED COMMON STOCK 713448108 17 500 SH
OTHER 500 0 0
PFIZER INCORPORATED COMMON STOCK 717081103 4084 111702 SH
DEFINED 111702 0 0
PFIZER INCORPORATED COMMON STOCK 717081103 335 9150 SH
OTHER 9150 0 0
PHILIP MORRIS COMPANIES INCORP COMMON STOCK 718154107 1136 53755 SH
DEFINED 53755 0 0
PHILIP MORRIS COMPANIES INCORP COMMON STOCK 718154107 2 100 SH
OTHER 100 0 0
PPG INDUSTRIES INCORPORATED COMMON STOCK 693506107 273 5220 SH
DEFINED 5220 0 0
PROCTER & GAMBLE COMPANY COMMON STOCK 742718109 1979 35025 SH
DEFINED 35025 0 0
PROCTER & GAMBLE COMPANY COMMON STOCK 742718109 31 557 SH
OTHER 557 0 0
QWEST COMMUNICATIONS INTL INC COMMON STOCK 749121109 4786 99704 SH
DEFINED 99704 0 0
QWEST COMMUNICATIONS INTL INC COMMON STOCK 749121109 38 800 SH
OTHER 800 0 0
SBC COMMUNICATIONS COMMON STOCK 78387G103 1740 41302 SH
DEFINED 41302 0 0
SBC COMMUNICATIONS COMMON STOCK 78387G103 6 146 SH
OTHER 146 0 0
SCHLUMBERGER LIMITED COMMON STOCK 806857108 304 3976 SH
DEFINED 3976 0 0
SPRINT CORP PCS SER 1 COMMON STOCK 852061506 1773 27075 SH
DEFINED 27075 0 0
SPRINT CORP PCS SER 1 COMMON STOCK 852061506 18 275 SH
OTHER 275 0 0
SUN MICROSYSTEMS INC COMMON STOCK 866810104 9015 96210 SH
DEFINED 96210 0 0
SUN MICROSYSTEMS INC COMMON STOCK 866810104 145 1550 SH
OTHER 1550 0 0
SUNTRUST BANKS INC COMMON STOCK 867914103 2387 41334 SH
DEFINED 41334 0 0
SUNTRUST BANKS INC COMMON STOCK 867914103 101 1748 SH
OTHER 1748 0 0
SYCAMORE NETWORKS INC COMMON STOCK 871206108 252 1955 SH
DEFINED 1955 0 0
TEXACO INCORPORATED COMMON STOCK 881694103 339 6300 SH
DEFINED 6300 0 0
TEXACO INCORPORATED COMMON STOCK 881694103 54 1000 SH
OTHER 1000 0 0
TEXTRON INCORPORATED COMMON STOCK 883203101 970 15940 SH
DEFINED 15940 0 0
TEXTRON INCORPORATED COMMON STOCK 883203101 9 150 SH
OTHER 150 0 0
TIME WARNER INCORPORATED COMMON STOCK 887315109 2913 29126 SH
DEFINED 29126 0 0
TIME WARNER INCORPORATED COMMON STOCK 887315109 50 500 SH
OTHER 500 0 0
TYCO INTL LTD NEW COMMON STOCK 902124106 298 5954 SH
DEFINED 5954 0 0
UMB FINL CORP COMMON STOCK 902788108 2687 73114 SH
DEFINED 73114 0 0
US WEST INC NEW COMMON STOCK 91273H101 772 10632 SH
DEFINED 10632 0 0
WACHOVIA CORP NEW COMMON STOCK 929771103 1708 25286 SH
DEFINED 25286 0 0
WACHOVIA CORP NEW COMMON STOCK 929771103 14 200 SH
OTHER 200 0 0
WALMART STORES INCORPORATED COMMON STOCK 931142103 1464 25910 SH
DEFINED 25910 0 0
WALMART STORES INCORPORATED COMMON STOCK 931142103 158 2800 SH
OTHER 2800 0 0
WARNER-LAMBERT COMPANY COMMON STOCK 934488107 4688 47987 SH
DEFINED 47987 0 0
WARNER-LAMBERT COMPANY COMMON STOCK 934488107 49 500 SH
OTHER 500 0 0
WASHINGTON GAS LIGHT CO COMMON STOCK 938837101 506 18600 SH
DEFINED 18600 0 0
WASHINGTON GAS LIGHT CO COMMON STOCK 938837101 41 1500 SH
OTHER 1500 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101 422 10350 SH
DEFINED 10350 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101 16 400 SH
OTHER 400 0 0
BP AMOCO P L C SPON ADR COMMON STOCK 055622104 759 14260 SH
DEFINED 14260 0 0
BP AMOCO P L C SPON ADR COMMON STOCK 055622104 57 1064 SH
OTHER 1064 0 0
ERICSSON L M TEL B ADR COMMON STOCK 294821400 455 4848 SH
DEFINED 4848 0 0
ING GROEP N V SPON ADR COMMON STOCK 456837103 33422 607669 SH
DEFINED 607669 0 0
NOKIA CORP COMMON STOCK 654902204 380 1710 SH
DEFINED 1710 0 0
ROYAL DUTCH PETE CO COMMON STOCK 780257804 1824 31545 SH
DEFINED 31545 0 0
ROYAL DUTCH PETE CO COMMON STOCK 780257804 20 350 SH
OTHER 350 0 0
SMITHKLINE BEECHAM P L C ADR C COMMON STOCK 832378301 335 5067 SH
DEFINED 5067 0 0
VODAFONE GROUP PLC SPON ADR COMMON STOCK 92857T107 1642 29553 SH
DEFINED 29553 0 0
VODAFONE GROUP PLC SPON ADR COMMON STOCK 92857T107 14 250 SH
OTHER 250 0 0
</TABLE>
