UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 12/31/99
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: NATIONAL FIDUCIARY SERVICES, N.A.
ADDRESS: 2121 SAGE ROAD
SUITE 150
HOUSTON, TX 77056
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: STEPHANIE CRIPPEN
TITLE: SENIOR VICE PRESIDENT
PHONE: (713)334-7403
SIGNATURE,PLACE,AND DATE OF SIGNING:
STEPHANIE CRIPPEN HOUSTON, TX 1/8/00
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: 751
FORM 13F INFORMATION TABLE VALUE TOTAL: $429,608
<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 COMMON STOCK 002824100 248 6830 SH DEFINED 6830 0 0
ABBOTT LABS COMMON STOCK 002824100 4 100 SH OTHER 100 0 0
ABLE TELECOMM. HLDS.CORP. COMMON STOCK 003712304 8 1000 SH DEFINED 1000 0 0
ABM INDUSTRIES INC COMMON STOCK 000957100 318 15600 SH DEFINED 0 0 15600
ACUSON COMMON STOCK 005113105 132 10500 SH DEFINED 0 0 10500
ACX TECHNOLOGIES INC COMMON STOCK 005123104 33 3100 SH DEFINED 0 0 3100
ADVANCED TECH PRODS INC COMMON STOCK 007548100 2705 194066 SH OTHER 194066 0 0
AES CORP COMMON STOCK 00130H105 5247 70200 SH DEFINED 0 0 70200
AGRIBIOTECH, INC COMMON STOCK 008494106 1 300 SH OTHER 300 0 0
AIR PRODUCTS & CHEMICALS, INC COMMON STOCK 009158106 18 550 SH DEFINED 550 0 0
AK STEEL HOLDING CORP COMMON STOCK 001547108 600 31800 SH DEFINED 0 0 31800
ALASKA AIR GROUP INC COMMON STOCK 011659109 63 1800 SH DEFINED 0 0 1800
ALBERTSONS, INC COMMON STOCK 013104104 8 250 SH DEFINED 200 0 50
ALCOA INC COMMON STOCK 013817101 1170 14100 SH DEFINED 0 0 14100
ALLMERICA FINANCIAL CORP. COMMON STOCK 019754100 606 10900 SH DEFINED 0 0 10900
ALLSTATE CORP COMMON STOCK 020002101 534 22210 SH DEFINED 14750 0 7460
ALLSTATE CORP COMMON STOCK 020002101 112 4635 SH OTHER 4635 0 0
ALLTEL CORP COMMON STOCK 020039103 356 4300 SH DEFINED 100 0 4200
ALLTRISTA CORP COMMON STOCK 020040101 40 1800 SH DEFINED 0 0 1800
AMAZON.COM INC COMMON STOCK 023135106 8 100 SH DEFINED 100 0 0
AMBAC FINANCIAL GROUP, INC COMMON STOCK 023139108 1070 20500 SH DEFINED 0 0 20500
AMERICA ONLINE, INC COMMON STOCK 02364J104 2945 38814 SH DEFINED 2214 0 36600
AMERICAN EXPRESS CO COMMON STOCK 025816109 349 2099 SH DEFINED 1099 0 1000
AMERICAN GENERAL CORP COMMON STOCK 026351106 1341 17677 SH DEFINED 17277 0 400
AMERICAN GENERAL CORP COMMON STOCK 026351106 486 6400 SH OTHER 6400 0 0
AMERICAN GREETINGS CORP COMMON STOCK 026375105 111 4700 SH DEFINED 0 0 4700
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 3823 97398 SH DEFINED 60298 0 37100
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 906 23091 SH OTHER 23091 0 0
AMERICAN INTL GROUP, INC COMMON STOCK 026874107 1623 15015 SH DEFINED 3192 0 11823
AMERICAN PWR CONVERSION CORP COMMON STOCK 029066107 2368 89780 SH DEFINED 180 0 89600
AMERICAN TOWER CORP COMMON STOCK 029912201 801 26200 SH DEFINED 0 0 26200
AMERICAN TOWER CORP COMMON STOCK 029912201 2741 89698 SH OTHER 89698 0 0
AMERICREDIT CORPORATION COMMON STOCK 03060R101 577 31200 SH DEFINED 0 0 31200
AMFM INC COMMON STOCK 001693100 2105 26900 SH DEFINED 0 0 26900
AMGEN, INC COMMON STOCK 031162100 829 13800 SH DEFINED 0 0 13800
ANADARKO PETROLEUM CORP COMMON STOCK 032511107 12 360 SH DEFINED 360 0 0
ANADARKO PETROLEUM CORP COMMON STOCK 032511107 147 4300 SH OTHER 4300 0 0
ANHEUSER BUSCH COS, INC COMMON STOCK 035229103 321 4529 SH DEFINED 2529 0 2000
ANHEUSER BUSCH COS, INC COMMON STOCK 035229103 5 66 SH OTHER 66 0 0
APOLLO GROUP INC COMMON STOCK 037604105 456 22750 SH DEFINED 0 0 22750
APPLIED MATERIALS, INC COMMON STOCK 038222105 3425 27035 SH DEFINED 12635 0 14400
ARCH CHEMICALS INC COMMON STOCK 03937R102 310 14800 SH DEFINED 0 0 14800
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 131 4758 SH DEFINED 1706 0 3052
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 6 208 SH OTHER 208 0 0
AT HOME CORP COMMON STOCK 045919107 492 11484 SH DEFINED 0 0 11484
AT&T COMMON STOCK 001957109 1708 33607 SH DEFINED 33607 0 0
AT&T COMMON STOCK 001957109 690 13576 SH OTHER 13576 0 0
AT&T CORP LIBERTY MEDIA GP CL COMMON STOCK 001957208 5204 91600 SH DEFINED 0 0 91600
ATLANTIC RICHFIELD COMMON STOCK 048825103 269 3110 SH DEFINED 3110 0 0
ATLANTIC RICHFIELD COMMON STOCK 048825103 424 4900 SH OTHER 4900 0 0
AUTODESK INC COMMON STOCK 052769106 145 4300 SH DEFINED 0 0 4300
AUTOMATIC DATA PROCESSING, INC COMMON STOCK 053015103 272 5050 SH DEFINED 5050 0 0
AUTOMATIC DATA PROCESSING, INC COMMON STOCK 053015103 65 1200 SH OTHER 1200 0 0
AUTONATION INC COMMON STOCK 05329W102 9 1000 SH DEFINED 1000 0 0
AVON PRODS INC COMMON STOCK 054303102 805 24400 SH DEFINED 0 0 24400
AVON PRODS INC COMMON STOCK 054303102 3 100 SH OTHER 100 0 0
AZURIX CORP. COMMON STOCK 05501M104 98 10925 SH OTHER 10925 0 0
BAKER HUGHES, INC COMMON STOCK 057224107 413 19595 SH DEFINED 10095 0 9500
BAKER HUGHES, INC COMMON STOCK 057224107 25 1200 SH OTHER 1200 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 1250 24912 SH DEFINED 4486 0 20426
BANK OF AMERICA CORP COMMON STOCK 060505104 17 339 SH OTHER 339 0 0
BANK ONE CORPORATION COMMON STOCK 06423A103 25 770 SH DEFINED 770 0 0
BANK ONE CORPORATION COMMON STOCK 06423A103 174 5440 SH OTHER 3667 0 1773
BAUSCH & LOMB INC COMMON STOCK 071707103 383 5600 SH DEFINED 0 0 5600
BAXTER INTL, INC COMMON STOCK 071813109 1738 27665 SH DEFINED 1725 0 25940
BAY VIEW CAP CORP DEL COMMON STOCK 07262L101 243 17100 SH DEFINED 0 0 17100
BEAR STEARNS COS INC COMMON STOCK 073902108 30 700 SH DEFINED 700 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 832 30900 SH DEFINED 0 0 30900
BECTON DICKINSON & CO COMMON STOCK 075887109 97 3600 SH OTHER 3600 0 0
BED BATH & BEYOND INC COMMON STOCK 075896100 188 5400 SH DEFINED 0 0 5400
BELDEN INC COMMON STOCK 077459105 97 4600 SH DEFINED 0 0 4600
BELL & HOWELL CO NEW COMMON STOCK 077852101 220 6900 SH DEFINED 0 0 6900
BELL ATLANTIC CORP COMMON STOCK 077853109 664 10789 SH DEFINED 10789 0 0
BELL ATLANTIC CORP COMMON STOCK 077853109 389 6321 SH OTHER 6321 0 0
BELL SOUTH CORP COMMON STOCK 079860102 1304 27864 SH DEFINED 24464 0 3400
BELL SOUTH CORP COMMON STOCK 079860102 159 3400 SH OTHER 3400 0 0
BELO (A H) CORP-SERIES A COMMON STOCK 080555105 13 700 SH DEFINED 700 0 0
BELO (A H) CORP-SERIES A COMMON STOCK 080555105 29 1500 SH OTHER 1500 0 0
BERKSHIRE HATHAWAY CL-B COMMON STOCK 084670207 137 75 SH OTHER 75 0 0
BEST BUY INC COMMON STOCK 086516101 126 2500 SH DEFINED 0 0 2500
BESTFOODS COMMON STOCK 08658U101 1090 20730 SH DEFINED 2430 0 18300
BESTFOODS COMMON STOCK 08658U101 16 300 SH OTHER 300 0 0
BIOMET, INC COMMON STOCK 090613100 20 500 SH OTHER 500 0 0
BJ SERVICES COMPANY COMMON STOCK 055482103 213 5100 SH DEFINED 3000 0 2100
BLACK & DECKER CORP COMMON STOCK 091797100 1176 22500 SH DEFINED 0 0 22500
BLOUNT INTL INC NEW COMMON STOCK 095180105 1 62 SH DEFINED 0 0 62
BMC SOFTWARE, INC COMMON STOCK 055921100 2934 36705 SH DEFINED 30905 0 5800
BOEING CO COMMON STOCK 097023105 58 1400 SH DEFINED 1400 0 0
BOEING CO COMMON STOCK 097023105 70 1700 SH OTHER 1700 0 0
BORG-WARNER AUTOMOTIVE INC COMMON STOCK 099724106 65 1600 SH DEFINED 0 0 1600
BOSTON SCIENTIFIC CORP COMMON STOCK 101137107 158 7200 SH OTHER 7200 0 0
BOWATER INC COMMON STOCK 102183100 762 14030 SH DEFINED 0 0 14030
BRIGGS & STRATTON CORP COMMON STOCK 109043109 64 1200 SH DEFINED 0 0 1200
BRISTOL HOTELS & RESORTS INC COMMON STOCK 110041100 136 26925 SH DEFINED 0 0 26925
BRISTOL- MYERS SQUIBB CO COMMON STOCK 110122108 6081 94733 SH DEFINED 44433 0 50300
BRISTOL- MYERS SQUIBB CO COMMON STOCK 110122108 30 475 SH OTHER 475 0 0
BRITISH AMERN TOB PLC COMMON STOCK 110448107 2 200 SH DEFINED 0 0 200
BROADVISION INC COMMON STOCK 111412102 2721 16000 SH DEFINED 0 0 16000
BROADWING INC COMMON STOCK 111620100 13 352 SH DEFINED 352 0 0
BUCKEYE PARTNERS, L.P. COMMON STOCK 118230101 325 12500 SH DEFINED 12500 0 0
BURLINGTON COAT FACTORY WHSE C COMMON STOCK 121579106 67 4800 SH DEFINED 0 0 4800
BURLINGTON NORTHN SANTA FE COR COMMON STOCK 12189T104 21 875 SH DEFINED 875 0 0
BURLINGTON RESOURCES, INC COMMON STOCK 122014103 1915 57927 SH DEFINED 60 0 57867
BURNS INTL SERVICES CORP COMMON STOCK 122374101 186 17200 SH DEFINED 0 0 17200
CABLEVISION SYS CORP CL A COMMON STOCK 12686C109 1065 14100 SH DEFINED 0 0 14100
CABOT CORP COMMON STOCK 127055101 4 200 SH DEFINED 200 0 0
CAPSTEAD MORTGAGE CORP COMMON STOCK 14067E100 12 2800 SH OTHER 2800 0 0
CAREMARK RX, INC COMMON STOCK 141705103 35 6919 SH DEFINED 6919 0 0
CARIBINER INTL, INC COMMON STOCK 141888107 7 1875 SH OTHER 1875 0 0
CARNIVAL CORPORATION COMMON STOCK 143658102 574 11995 SH DEFINED 11995 0 0
CARNIVAL CORPORATION COMMON STOCK 143658102 253 5300 SH OTHER 5300 0 0
CARPENTER TECHNOLOGY COMMON STOCK 144285103 85 3100 SH DEFINED 0 0 3100
CARRIAGE SERVICES, INC. COMMON STOCK 143905107 5 850 SH DEFINED 850 0 0
CASELLA WASTE SYS INC COMMON STOCK 147448104 268 14200 SH DEFINED 0 0 14200
CBS CORP COMMON STOCK 12490K107 3625 56700 SH DEFINED 400 0 56300
CENDANT CORP COMMON STOCK 151313103 1894 71300 SH DEFINED 0 0 71300
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 20 1000 SH DEFINED 1000 0 0
CENTRAL GARDEN & PET CO COMMON STOCK 153527106 224 21600 SH DEFINED 0 0 21600
CHAMPION INTERNATIONAL CORP COMMON STOCK 158525105 1216 19640 SH DEFINED 0 0 19640
CHARLES SCHWAB CORPORATION COMMON STOCK 808513105 673 17598 SH DEFINED 17598 0 0
CHARLES SCHWAB CORPORATION COMMON STOCK 808513105 14 355 SH OTHER 355 0 0
CHASE MANHATTAN CORP COMMON STOCK 16161A108 1108 14265 SH DEFINED 10865 0 3400
CHECKFREE HLDGS CORP COMMON STOCK 162816102 2686 25700 SH DEFINED 0 0 25700
CHEVRON CORP COMMON STOCK 166751107 61 705 SH DEFINED 705 0 0
CHEVRON CORP COMMON STOCK 166751107 69 800 SH OTHER 800 0 0
CHOICEPOINT, INC COMMON STOCK 170388102 683 16500 SH DEFINED 100 0 16400
CINERGY CORP COMMON STOCK 172474108 121 5050 SH DEFINED 450 0 4600
CISCO SYSTEMS, INC COMMON STOCK 17275R102 7258 67756 SH DEFINED 12006 0 55750
CISCO SYSTEMS, INC COMMON STOCK 17275R102 42 390 SH OTHER 390 0 0
CITIGROUP, INC COMMON STOCK 172967101 2529 45417 SH DEFINED 20392 0 25025
CITIGROUP, INC COMMON STOCK 172967101 24 431 SH OTHER 431 0 0
CLAIRE'S STORES, INC. COMMON STOCK 179584107 168 7500 SH DEFINED 0 0 7500
CLAIRE'S STORES, INC. COMMON STOCK 179584107 7 300 SH OTHER 300 0 0
CLOROX CO COMMON STOCK 189054109 586 11630 SH DEFINED 11630 0 0
CMS ENERGY CORP COMMON STOCK 125896100 228 7300 SH DEFINED 0 0 7300
CNA INCOME SHARES (CNN) COMMON STOCK 126119106 65 9135 SH OTHER 9135 0 0
COASTAL CORP COMMON STOCK 190441105 5 140 SH DEFINED 140 0 0
COCA-COLA CO COMMON STOCK 191216100 6165 105842 SH DEFINED 46942 0 58900
COCA-COLA CO COMMON STOCK 191216100 2253 38675 SH OTHER 38675 0 0
COLGATE PALMOLIVE COMMON STOCK 194162103 2121 32626 SH DEFINED 726 0 31900
COLUMBIA / HCA HEALTHCARE CORP COMMON STOCK 197677107 1354 46200 SH DEFINED 0 0 46200
COMCAST CORPCL A SPL COMMON STOCK 200300200 1198 23700 SH DEFINED 0 0 23700
COMERICA, INC COMMON STOCK 200340107 67 1425 SH DEFINED 1425 0 0
COMMUNITY FIRST BANKSHARES INC COMMON STOCK 203902101 183 11600 SH DEFINED 0 0 11600
COMPAQ COMPUTER CORP COMMON STOCK 204493100 1048 38711 SH DEFINED 12566 0 26145
COMPAQ COMPUTER CORP COMMON STOCK 204493100 111 4100 SH OTHER 4100 0 0
COMPASS BANCSHARES INC COMMON STOCK 20449H109 2 100 SH DEFINED 100 0 0
COMPUTER ASSOC INTERNATIONAL, COMMON STOCK 204912109 446 6375 SH DEFINED 6375 0 0
COMPUTER SCIENCES CORP COMMON STOCK 205363104 26 270 SH DEFINED 270 0 0
COMPUWARE CORP COMMON STOCK 205638109 45 1200 SH DEFINED 1200 0 0
CONECTIV INC COMMON STOCK 206829103 8 500 SH DEFINED 500 0 0
CONEXANT SYS INC COMMON STOCK 207142100 73 1100 SH DEFINED 0 0 1100
CONMED CORP COMMON STOCK 207410101 223 8600 SH DEFINED 0 0 8600
CONOCO INC CLASS A COMMON STOCK 208251306 2 100 SH DEFINED 100 0 0
CONOCO INC, CLASS B COMMON STOCK 208251405 469 18874 SH DEFINED 18874 0 0
CONOCO INC, CLASS B COMMON STOCK 208251405 6 230 SH OTHER 230 0 0
CONSOLIDATED EDISON, INC COMMON STOCK 209115104 114 3300 SH DEFINED 3300 0 0
CONSOLIDATED NAT GAS CO COMMON STOCK 209615103 78 1200 SH OTHER 1200 0 0
CONVERGYS CORP COMMON STOCK 212485106 11 352 SH DEFINED 352 0 0
COOPER CAMERON CORP COMMON STOCK 216640102 1500 30660 SH DEFINED 60 0 30600
COOPER CAMERON CORP COMMON STOCK 216640102 39 800 SH OTHER 800 0 0
COOPER COS, INC COMMON STOCK 216648402 136 4500 SH OTHER 4500 0 0
CORDANT TECHNOLOGIES, INC COMMON STOCK 218412104 46 1400 SH DEFINED 1400 0 0
CORN PRODUCTS INTERNATIONAL COMMON STOCK 219023108 9 275 SH DEFINED 275 0 0
CORN PRODUCTS INTERNATIONAL COMMON STOCK 219023108 1 37 SH OTHER 37 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 475 5200 SH DEFINED 100 0 5100
CRANE CO COMMON STOCK 224399105 82 4105 SH DEFINED 4105 0 0
CRITICAL PATH INC COMMON STOCK 22674V100 1368 14500 SH DEFINED 0 0 14500
CROWN CASTLE INTL CORP COMMON STOCK 228227104 1050 32700 SH DEFINED 0 0 32700
CSX CORP COMMON STOCK 126408103 50 1600 SH DEFINED 1600 0 0
CVS CORP COMMON STOCK 126650100 1081 27100 SH DEFINED 0 0 27100
CYGNUS, INC COMMON STOCK 232560102 5 300 SH DEFINED 300 0 0
CYGNUS, INC COMMON STOCK 232560102 9 500 SH OTHER 500 0 0
CYLINK CORP COMMON STOCK 232565101 563 41700 SH DEFINED 0 0 41700
D R HORTON INC COMMON STOCK 23331A109 46 3300 SH DEFINED 0 0 3300
DAIMLERCHRYSLER AG COMMON STOCK D1668R123 166 2122 SH DEFINED 140 0 1982
DANA CORP COMMON STOCK 235811106 813 27150 SH DEFINED 50 0 27100
DANAHER CORP COMMON STOCK 235851102 10 200 SH DEFINED 200 0 0
DAYTON HUDSON CORP COMMON STOCK 239753106 154 2100 SH DEFINED 2100 0 0
DEERE & CO COMMON STOCK 244199105 10 230 SH DEFINED 230 0 0
DELL COMPUTER CORP COMMON STOCK 247025109 83 1620 SH DEFINED 1620 0 0
DELL COMPUTER CORP COMMON STOCK 247025109 51 1000 SH OTHER 1000 0 0
DELPHI AUTO SYSTEMS COMMON STOCK 247126105 30 1886 SH DEFINED 1886 0 0
DELPHI AUTO SYSTEMS COMMON STOCK 247126105 9 559 SH OTHER 559 0 0
DELTA AIR LINES, INC COMMON STOCK 247361108 144 2900 SH OTHER 2900 0 0
DEUTSCHE TELEKOM AG ADR COMMON STOCK 251566105 12 170 SH DEFINED 0 0 170
DEVON ENERGY CORP NEW COMMON STOCK 25179M103 105 3200 SH DEFINED 3200 0 0
DEVON ENERGY CORP NEW COMMON STOCK 25179M103 115 3500 SH OTHER 3500 0 0
DEVRY INC DEL COMMON STOCK 251893103 531 28300 SH DEFINED 0 0 28300
DIAL CORP COMMON STOCK 25247D101 12 504 SH DEFINED 504 0 0
DIAL CORP COMMON STOCK 25247D101 122 5000 SH OTHER 5000 0 0
DII GROUP INC COMMON STOCK 232949107 376 5300 SH DEFINED 0 0 5300
DISNEY WALT CO COMMON STOCK 254687106 965 32980 SH DEFINED 6180 0 26800
DISNEY WALT CO COMMON STOCK 254687106 173 5900 SH OTHER 5900 0 0
DOLE FOOD INC COMMON STOCK 256605106 684 42100 SH DEFINED 0 0 42100
DOMINION RESOURCES, INC COMMON STOCK 257470104 24 618 SH DEFINED 618 0 0
DONNELLEY R R & SONS CO COMMON STOCK 257867101 1153 46480 SH DEFINED 0 0 46480
DOW CHEMICAL CO COMMON STOCK 260543103 184 1375 SH DEFINED 1375 0 0
DOW CHEMICAL CO COMMON STOCK 260543103 200 1500 SH OTHER 1500 0 0
DPL, INC COMMON STOCK 233293109 7 412 SH OTHER 412 0 0
DSI TOYS INCREST COMMON STOCK 232968107 39 13710 SH OTHER 13710 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 1544 23441 SH DEFINED 15212 0 8229
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 34 512 SH OTHER 512 0 0
DUKE POWER CO COMMON STOCK 264399106 2794 55740 SH DEFINED 330 0 55410
DUKE POWER CO COMMON STOCK 264399106 38 766 SH OTHER 766 0 0
DUKE RLTY INVTS INC COMMON STOCK 264411505 131 6700 SH DEFINED 0 0 6700
DURBAN ROODEPOORT DEEP LTD ADR COMMON STOCK 266597301 10 5500 SH OTHER 5500 0 0
DYNEGY INC COMMON STOCK 26816L102 1238 50900 SH DEFINED 0 0 50900
E M C CORP/MASS COMMON STOCK 268648102 3234 29600 SH DEFINED 2500 0 27100
EASTMAN KODAK CO COMMON STOCK 277461109 84 1268 SH DEFINED 1268 0 0
EASTMAN KODAK CO COMMON STOCK 277461109 133 2000 SH OTHER 2000 0 0
EATON CORP COMMON STOCK 278058102 9 125 SH DEFINED 125 0 0
ECHELON INTERNATIONAL CORP COMMON STOCK 278747100 1 33 SH OTHER 33 0 0
ECHOSTAR COMMUNICATIONS CORP N COMMON STOCK 278762109 2496 25600 SH DEFINED 0 0 25600
EDISON INTERNATIONAL COMMON STOCK 281020107 1671 63800 SH DEFINED 6400 0 57400
EDUCATION MGMT CORP COMMON STOCK 28139T101 575 41100 SH DEFINED 0 0 41100
EL PASO ENERGY CORP COMMON STOCK 283905107 2820 72650 SH DEFINED 100 0 72550
EL PASO ENERGY CORP COMMON STOCK 283905107 66 1700 SH OTHER 1700 0 0
ELCOR CORP COMMON STOCK 284443108 61 2025 SH DEFINED 0 0 2025
ELECTRONIC DATA SYSTEM CORP COMMON STOCK 285661104 1351 20190 SH DEFINED 790 0 19400
ELECTRONIC DATA SYSTEM CORP COMMON STOCK 285661104 100 1500 SH OTHER 1500 0 0
ELI LILLY AND COMPANY COMMON STOCK 532457108 1380 20756 SH DEFINED 2856 0 17900
ELI LILLY AND COMPANY COMMON STOCK 532457108 7 100 SH OTHER 100 0 0
EMCOR GROUP INC COMMON STOCK 29084Q100 110 6000 SH DEFINED 0 0 6000
EMERSON ELECTRIC CO COMMON STOCK 291011104 1082 18863 SH DEFINED 18063 0 800
EMERSON ELECTRIC CO COMMON STOCK 291011104 896 15620 SH OTHER 15620 0 0
ENERGY EAST CORP COMMON STOCK 29266M109 100 4800 SH DEFINED 4800 0 0
ENRON CORP COMMON STOCK 293561106 847 19090 SH DEFINED 10590 0 8500
EOG RESOURCES INC COMMON STOCK 26875P101 313 17800 SH DEFINED 0 0 17800
EQUIFAX, INC COMMON STOCK 294429105 12 500 SH DEFINED 500 0 0
EQUITY RESIDENTIAL PPTYS TR COMMON STOCK 29476L107 12 275 SH DEFINED 275 0 0
ERICSSON L M TEL CO COMMON STOCK 294821400 63 960 SH DEFINED 960 0 0
EVEREST REINS HLDGS INC COMMON STOCK 299808105 321 14400 SH DEFINED 0 0 14400
EXODUS COMMUNICATIONS INC COMMON STOCK 302088109 1581 17800 SH DEFINED 0 0 17800
EXXON MOBIL CORPORATION COMMON STOCK 30231G102 15704 194927 SH DEFINED 178670 0 16257
EXXON MOBIL CORPORATION COMMON STOCK 30231G102 6769 84016 SH OTHER 83946 0 70
FANNIE MAE COMMON STOCK 313586109 2354 37695 SH DEFINED 18495 0 19200
FANNIE MAE COMMON STOCK 313586109 9 150 SH OTHER 150 0 0
FDX CORP COMMON STOCK 31304N107 4 100 SH DEFINED 100 0 0
FEDERAL HOME LN MTG CORP COMMON STOCK 313400301 960 20400 SH DEFINED 0 0 20400
FEDERAL HOME LN MTG CORP COMMON STOCK 313400301 118 2500 SH OTHER 2500 0 0
FEDERATED DEPT STORES, INC DEL COMMON STOCK 31410H101 1484 29350 SH DEFINED 50 0 29300
FELCOR LODGING TR INC COMMON STOCK 31430F101 439 25074 SH DEFINED 0 0 25074
FIRST DATA CORP COMMON STOCK 319963104 3780 76660 SH DEFINED 10 0 76650
FIRST HEALTH GROUP CORP COMMON STOCK 320960107 306 11400 SH DEFINED 0 0 11400
FIRST UNION CORP. COMMON STOCK 337358105 1823 55337 SH DEFINED 18367 0 36970
FIRST UNION CORP. COMMON STOCK 337358105 26 800 SH OTHER 800 0 0
FLEETWOOD ENTERPRISES INC COMMON STOCK 339099103 128 6200 SH DEFINED 0 0 6200
FLORIDA PROGRESS CORP COMMON STOCK 341109106 23 550 SH DEFINED 550 0 0
FLORIDA PROGRESS CORP COMMON STOCK 341109106 21 498 SH OTHER 498 0 0
FLOWERS INDUSTRIES, INC. COMMON STOCK 343496105 40 2500 SH DEFINED 0 0 2500
FLUOR CORP COMMON STOCK 343861100 32 700 SH OTHER 700 0 0
FMC CORP COMMON STOCK 302491303 338 5900 SH DEFINED 0 0 5900
FORD MOTOR COMPANY COMMON STOCK 345370100 982 18428 SH DEFINED 2610 0 15818
FORD MOTOR COMPANY COMMON STOCK 345370100 21 400 SH OTHER 400 0 0
FORT JAMES CORP COMMON STOCK 347471104 93 3400 SH OTHER 3400 0 0
FORTUNE BRANDS, INC COMMON STOCK 349631101 13 400 SH DEFINED 400 0 0
FORTUNE BRANDS, INC COMMON STOCK 349631101 33 1000 SH OTHER 1000 0 0
FPL GROUP INC COMMON STOCK 302571104 13 300 SH OTHER 300 0 0
FRONTIER INS GROUP INC NEW COMMON STOCK 359081106 2 550 SH DEFINED 550 0 0
GABLES RESIDENTIAL TR COMMON STOCK 362418105 41 1700 SH DEFINED 0 0 1700
GANNETT, INC COMMON STOCK 364730101 1285 15750 SH DEFINED 150 0 15600
GANNETT, INC COMMON STOCK 364730101 33 400 SH OTHER 400 0 0
GAP, INC COMMON STOCK 364760108 93 2025 SH DEFINED 2025 0 0
GATEWAY INC COMMON STOCK 367626108 101 1400 SH OTHER 1400 0 0
GATX CORP COMMON STOCK 361448103 570 16900 SH DEFINED 0 0 16900
GENENTECH INC COMMON STOCK 368710406 457 3400 SH DEFINED 0 0 3400
GENERAL ELECTRIC CO COMMON STOCK 369604103 11081 71609 SH DEFINED 40309 0 31300
GENERAL ELECTRIC CO COMMON STOCK 369604103 6298 40700 SH OTHER 40700 0 0
GENERAL MILLS, INC COMMON STOCK 370334104 40 1124 SH DEFINED 1124 0 0
GENERAL MOTORS CORP. COMMON STOCK 370442105 213 2930 SH DEFINED 2930 0 0
GENERAL MOTORS CORP. COMMON STOCK 370442105 58 800 SH OTHER 800 0 0
GENUINE PARTS CO COMMON STOCK 372460105 11 425 SH DEFINED 425 0 0
GENZYME CORP COMMON STOCK 372917104 117 2600 SH OTHER 2600 0 0
GENZYME CORP COMMON STOCK 372917500 2 280 SH OTHER 280 0 0
GENZYME CORP SURGICAL PRODS DI COMMON STOCK 372917609 3 465 SH OTHER 465 0 0
GENZYME CORP-TISSUE REPAIR COMMON STOCK 372917401 1 428 SH OTHER 428 0 0
GERALD STEVENS INC COMMON STOCK 37369G101 188 22500 SH DEFINED 22500 0 0
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GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 9 100 SH DEFINED 100 0 0
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GOODYEAR TIRE & RUBBER CO COMMON STOCK 382550101 22 800 SH OTHER 800 0 0
GRACE W R & CO COMMON STOCK 38388F108 3 200 SH DEFINED 200 0 0
GRACO INC COMMON STOCK 384109104 50 1400 SH DEFINED 0 0 1400
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GTECH HLDGS CORP COMMON STOCK 400518106 42 1900 SH DEFINED 0 0 1900
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H.J. HEINZ CO. COMMON STOCK 423074103 48 1200 SH DEFINED 1200 0 0
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HEARTLAND EXPRESS, INC COMMON STOCK 422347104 5 300 SH OTHER 300 0 0
HERCULES INC COMMON STOCK 427056106 1228 44070 SH DEFINED 100 0 43970
HERSHEY FOODS CORP COMMON STOCK 427866108 9 200 SH DEFINED 200 0 0
HEWLETT-PACKARD CO COMMON STOCK 428236103 1291 11350 SH DEFINED 9850 0 1500
HEWLETT-PACKARD CO COMMON STOCK 428236103 88 775 SH OTHER 775 0 0
HILTON HOTELS CORP COMMON STOCK 432848109 10 1000 SH OTHER 1000 0 0
HOME DEPOT, INC COMMON STOCK 437076102 5405 78617 SH DEFINED 34217 0 44400
HOME DEPOT, INC COMMON STOCK 437076102 21 300 SH OTHER 300 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 456 7896 SH DEFINED 5896 0 2000
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 163 2825 SH OTHER 2825 0 0
HORMEL FOODS CORP COMMON STOCK 440452100 130 3200 SH DEFINED 0 0 3200
HOST MARRIOTT CORP NEW COMMON STOCK 44107P104 446 54044 SH DEFINED 0 0 54044
HOUSEHOLD INTL, INC COMMON STOCK 441815107 1245 33420 SH DEFINED 420 0 33000
HUSSMANN INTL INC COMMON STOCK 448110106 93 6200 SH DEFINED 0 0 6200
HUTTIG BLDG PRODS INC COMMON STOCK 448451104 5 912 SH DEFINED 912 0 0
IDACORP INC COMMON STOCK 451107106 75 2800 SH DEFINED 0 0 2800
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 7 100 SH DEFINED 100 0 0
IMATION CORPORATION COMMON STOCK 45245A107 1 25 SH DEFINED 25 0 0
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INFORMATION HLDGS INC COMMON STOCK 456727106 843 29000 SH DEFINED 0 0 29000
INGERSOLL RAND CO COMMON STOCK 456866102 2271 41240 SH DEFINED 0 0 41240
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INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 38 1000 SH OTHER 1000 0 0
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INTERTAN INC. COMMON STOCK 461120107 81 3100 SH DEFINED 0 0 3100
INTERVOICE-BRITE INC COMMON STOCK 461142101 7 300 SH OTHER 300 0 0
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JEFFERSON PILOT CORP COMMON STOCK 475070108 37 540 SH DEFINED 540 0 0
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KEY ENERGY SERVICES INC. COMMON STOCK 492914106 6 1250 SH DEFINED 1250 0 0
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KIMBERLY CLARK CORP COMMON STOCK 494368103 52 800 SH OTHER 800 0 0
KINDER MORGAN INC. COMMON STOCK 49455P101 145 7200 SH OTHER 7200 0 0
KIRBY CORP COMMON STOCK 497266106 670 32700 SH DEFINED 0 0 32700
KOHLS CORP COMMON STOCK 500255104 736 10200 SH DEFINED 0 0 10200
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LEE ENTERPRISES INC COMMON STOCK 523768109 45 1400 SH DEFINED 0 0 1400
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LIBBEY INC COMMON STOCK 529898108 40 1400 SH DEFINED 0 0 1400
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LINEAR TECHNOLOGY CORP COMMON STOCK 535678106 7 100 SH OTHER 100 0 0
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LOCKHEED MARTIN CORP COMMON STOCK 539830109 42 1900 SH OTHER 1900 0 0
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LOEWS CORP COMMON STOCK 540424108 9 150 SH DEFINED 150 0 0
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LOWE'S COMPANIES COMMON STOCK 548661107 61 1015 SH OTHER 1015 0 0
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LUCENT TECHNOLOGIES, INC COMMON STOCK 549463107 804 10720 SH OTHER 10720 0 0
MACERICH CO COMMON STOCK 554382101 37 1800 SH DEFINED 0 0 1800
MACROMEDIA INC COMMON STOCK 556100105 1002 13700 SH DEFINED 0 0 13700
MALLINCKRODT, INC COMMON STOCK 561232109 3 100 SH DEFINED 100 0 0
MANPOWER INC WIS COMMON STOCK 56418H100 478 12700 SH DEFINED 0 0 12700
MANUFACTURED HOME CMNTYS INC COMMON STOCK 564682102 248 10200 SH DEFINED 0 0 10200
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MARSH & MCLENNAN COS, INC COMMON STOCK 571748102 1773 18530 SH DEFINED 150 0 18380
MARTHA STEWART LIVING CL. A COMMON STOCK 573083102 6 250 SH DEFINED 250 0 0
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MASCO CORP COMMON STOCK 574599106 30 1200 SH OTHER 1200 0 0
MASCOTECH INC COMMON STOCK 574670105 534 42100 SH DEFINED 0 0 42100
MATTEL INC COMMON STOCK 577081102 36 2750 SH DEFINED 2750 0 0
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MAY DEPARTMENT STORES CO. COMMON STOCK 577778103 9 270 SH DEFINED 270 0 0
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MBNA CORP COMMON STOCK 55262L100 2018 74042 SH DEFINED 34392 0 39650
MBNA CORP COMMON STOCK 55262L100 331 12150 SH OTHER 12150 0 0
MCDONALDS CORP COMMON STOCK 580135101 321 7975 SH DEFINED 4975 0 3000
MCDONALDS CORP COMMON STOCK 580135101 40 1000 SH OTHER 1000 0 0
MCGRAW-HILL COMPANIES, INC COMMON STOCK 580645109 474 7695 SH DEFINED 6095 0 1600
MCGRAW-HILL COMPANIES, INC COMMON STOCK 580645109 173 2800 SH OTHER 2800 0 0
MCI WORLDCOM, INC COMMON STOCK 55268B106 3881 73137 SH DEFINED 11037 0 62100
MCI WORLDCOM, INC COMMON STOCK 55268B106 151 2850 SH OTHER 2850 0 0
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MEDIAONE GROUP, INC COMMON STOCK 58440J104 15 200 SH OTHER 200 0 0
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MEDTRONIC, INC COMMON STOCK 585055106 33 915 SH DEFINED 915 0 0
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MERCK & CO INC COMMON STOCK 589331107 58 865 SH OTHER 865 0 0
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METRICOM, INC COMMON STOCK 591596101 16 200 SH DEFINED 200 0 0
METROMEDIA FIBER NETWORK INC COMMON STOCK 591689104 6 117 SH DEFINED 117 0 0
METTLER-TOLEDO INTL INC COMMON STOCK 592688105 69 1800 SH DEFINED 0 0 1800
MGIC INVESTMENT CORPORATION COMMON STOCK 552848103 1040 17275 SH DEFINED 1325 0 15950
MICRON TECHNOLOGY INC. COMMON STOCK 595112103 179 2300 SH OTHER 2300 0 0
MICROSOFT CORP COMMON STOCK 594918104 9972 85415 SH DEFINED 18915 0 66500
MICROSOFT CORP COMMON STOCK 594918104 12 100 SH OTHER 100 0 0
MILLER HERMAN, INC COMMON STOCK 600544100 230 10000 SH DEFINED 0 0 10000
MILLIPORE CORP COMMON STOCK 601073109 12 300 SH DEFINED 300 0 0
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NABISCO GROUP HLDG CORP COMMON STOCK 62952P102 7 700 SH OTHER 700 0 0
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NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 233 5000 SH OTHER 5000 0 0
NATIONAL PWR PLC ADR COMMON STOCK 637194408 3 150 SH DEFINED 0 0 150
NATIONAL-OILWELL INC COMMON STOCK 637071101 166 10600 SH DEFINED 0 0 10600
NATIONWIDE HEALTH PPTYS INC COMMON STOCK 638620104 3 220 SH DEFINED 220 0 0
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NCR CORP COMMON STOCK 62886E108 108 2862 SH DEFINED 62 0 2800
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NEIMAN-MARCUS GROUP INC CL A COMMON STOCK 640204202 10 375 SH DEFINED 375 0 0
NEON SYSTEMS COMMON STOCK 640509105 157 4000 SH OTHER 4000 0 0
NETWORK SOLUTIONS INC DEL COMMON STOCK 64121Q102 696 3200 SH DEFINED 0 0 3200
NEW CENTURY ENERGIES, INC. COMMON STOCK 64352U103 69 2280 SH DEFINED 2280 0 0
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OHIO CAS CORP COMMON STOCK 677240103 63 3900 SH DEFINED 0 0 3900
OPTI INC COMMON STOCK 683960108 66 12500 SH DEFINED 0 0 12500
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ORACLE CORPORATION COMMON STOCK 68389X105 25 225 SH OTHER 225 0 0
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PALL CORP COMMON STOCK 696429307 22 1000 SH OTHER 1000 0 0
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PARKER HANNIFIN CORP COMMON STOCK 701094104 23 450 SH DEFINED 450 0 0
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PATTERSON ENERGY, INC COMMON STOCK 703414102 65 5000 SH OTHER 5000 0 0
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PITTSTON CO COMMON STOCK 725701106 374 17000 SH DEFINED 0 0 17000
PLAYTEX PRODS INC COMMON STOCK 72813P100 375 24400 SH DEFINED 0 0 24400
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PNC BANK CORP COMMON STOCK 693475105 27 600 SH OTHER 600 0 0
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PPG INDS INC COMMON STOCK 693506107 6 100 SH DEFINED 100 0 0
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R H DONNELLEY CORP COMMON STOCK 74955W307 462 24500 SH DEFINED 0 0 24500
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RAYTHEON CO COMMON STOCK 755111408 32 1200 SH DEFINED 1200 0 0
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ROADWAY EXPRESS INC DEL COMMON STOCK 769742107 0 1 SH DEFINED 1 0 0
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SAKS, INC COMMON STOCK 79377W108 137 8800 SH OTHER 8800 0 0
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WHIRLPOOL CORP COMMON STOCK 963320106 2384 36640 SH DEFINED 100 0 36540
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WHOLE FOODS MARKET, INC. COMMON STOCK 966837106 16 350 SH OTHER 350 0 0
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WILEY JOHN & SONS INC COMMON STOCK 968223206 683 40800 SH DEFINED 0 0 40800
WILLIAMS COS, INC COMMON STOCK 969457100 978 32000 SH DEFINED 3300 0 28700
WRIGLEY WM JR CO COMMON STOCK 982526105 937 11300 SH DEFINED 100 0 11200
XEROX CORP COMMON STOCK 984121103 129 5700 SH OTHER 5700 0 0
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ZEBRA TECHNOLOGIES CORP COMMON STOCK 989207105 123 2100 SH DEFINED 0 0 2100
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CORUS GROUP PLC-SPONS ADR COMMON STOCK 22087M101 4 170 SH DEFINED 0 0 170
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DIAGEO PLC COMMON STOCK 25243Q205 5 168 SH DEFINED 0 0 168
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HSBC HLDGS PLC NEW COMMON STOCK 404280406 13 180 SH DEFINED 0 0 180
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KYOCERA CORP COMMON STOCK 501556203 10 40 SH DEFINED 0 0 40
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PORTUGAL TELECOM S ADR COMMON STOCK 737273102 6 550 SH DEFINED 0 0 550
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ROYAL DUTCH PETROLEUM CO, NYS COMMON STOCK 780257804 5 88 SH OTHER 88 0 0
SHELL TRANSPORT & TRADING-ADR COMMON STOCK 822703609 29 600 SH DEFINED 600 0 0
TELECOM CORP NEW ZEALAND LTD A COMMON STOCK 879278208 5 140 SH DEFINED 0 0 140
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TELECOMUNICACOES BRASILEIRAS S COMMON STOCK 879287308 3 20 SH DEFINED 0 0 20
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VODAFONE AIRTOUCH PUBLIC LTD A COMMON STOCK 92857T107 176 3550 SH DEFINED 3550 0 0
KANEB PIPE LINE PARTNERS, L P PREFERRED STOCK 484169107 99 4000 SH DEFINED N.A. N.A. N.A.
SEALED AIR CORP PFD SER A PREFERRED STOCK 81211K209 5 95 SH DEFINED N.A. N.A. N.A.
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BLACKROCK INCOME TR INC OTHER 09247F100 104 18000 SH OTHER N.A. N.A. N.A.
FORTIS SECS INC OTHER 34955T100 1 200 SH OTHER N.A. N.A. N.A.
MEXICO FUND (MXF) OTHER 592835102 115 6600 SH DEFINED N.A. N.A. N.A.
MONTGOMERY STR INCOME SECS INC OTHER 614115103 6 400 SH OTHER N.A. N.A. N.A.
SALOMON BROTHERS FD (SBF) OTHER 795477108 33 1596 SH DEFINED N.A. N.A. N.A.
TCW / DW TERM TR 2000 OTHER 87234V106 69 7252 SH OTHER N.A. N.A. N.A.
TCW / DW TERM TR 2003 OTHER 87234U108 1084 120491 SH OTHER N.A. N.A. N.A.
TRI-CONTINENTAL CORP (TY) OTHER 895436103 99 3545 SH OTHER N.A. N.A. N.A.
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ACM GOVT SECS FUND (GSF) OTHER 000914101 52 8200 SH OTHER N.A. N.A. N.A.
CREDIT SUISSE ASSET MGMT INC F OTHER 224916106 30 5000 SH OTHER N.A. N.A. N.A.
EXCELSIOR INCOME SHARES (EIS) OTHER 300723103 6 400 SH DEFINED N.A. N.A. N.A.
EXCELSIOR INCOME SHARES (EIS) OTHER 300723103 4 250 SH OTHER N.A. N.A. N.A.
PACIFIC AMER INC SHARES (PAI) OTHER 693796104 12 1000 SH DEFINED N.A. N.A. N.A.
PUTNAM PREMIER INCOME TR(PPT) OTHER 746853100 47 7750 SH OTHER N.A. N.A. N.A.
USLIFE INCOME FUND (UIF) OTHER 917324105 12 1553 SH DEFINED N.A. N.A. N.A.
</TABLE>
