NATIONAL FIDUCIARY SERVICES NA
13F-HR, 2000-08-10
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                            UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C.  20549

                                    FORM 13F

                               FORM 13F COVER PAGE

REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 6/30/00

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:    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              7/3/00


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:    919

FORM 13F INFORMATION TABLE VALUE TOTAL:             $445,359
<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      290     6500 SH       DEFINED                4700        0     1800
ABBOTT LABS                    COMMON STOCK     002824100        4      100 SH       OTHER                     0        0      100
ABLE TELECOM HOLDINGS CORP.    COMMON STOCK     003712304        2     1000 SH       DEFINED                1000        0        0
ABM INDUSTRIES INC             COMMON STOCK     000957100      656    28500 SH       DEFINED                   0        0    28500
ADC TELECOMMUNICATION          COMMON STOCK     000886101       42      500 SH       DEFINED                   0        0      500
ADOBE SYS INC                  COMMON STOCK     00724F101      676     5200 SH       DEFINED                2000        0     3200
ADVANCED TECHNICAL PRODUCTS    COMMON STOCK     007548100      683   179133 SH       OTHER                179133        0        0
AES CORP                       COMMON STOCK     00130H105     3020    66200 SH       DEFINED                   0        0    66200
AFFILIATED MANAGERS GP.        COMMON STOCK     008252108      155     3400 SH       DEFINED                   0        0     3400
AGILENT TECHNOLOGIES INC       COMMON STOCK     00846U101      735     9961 SH       DEFINED                5708        0     4253
AGILENT TECHNOLOGIES INC       COMMON STOCK     00846U101       30      406 SH       OTHER                   140        0      266
AIR PRODUCTS & CHEMICALS, INC  COMMON STOCK     009158106        8      250 SH       DEFINED                 250        0        0
AK STEEL HOLDING CORP          COMMON STOCK     001547108       22     2800 SH       DEFINED                   0        0     2800
ALBERTSONS, INC                COMMON STOCK     013104104        7      200 SH       DEFINED                 200        0        0
ALCOA INC                      COMMON STOCK     013817101     1102    38000 SH       DEFINED                   0        0    38000
ALCOA INC                      COMMON STOCK     013817101      261     9000 SH       OTHER                  9000        0        0
ALLERGAN, INC                  COMMON STOCK     018490102      581     7800 SH       DEFINED                3000        0     4800
ALLMERICA FINANCIAL CORP.      COMMON STOCK     019754100      859    16400 SH       DEFINED                   0        0    16400
ALLMERICA FINANCIAL CORP.      COMMON STOCK     019754100      199     3800 SH       OTHER                  3800        0        0
ALLSTATE CORP                  COMMON STOCK     020002101     2210    99322 SH       DEFINED               50722        0    48600
ALLSTATE CORP                  COMMON STOCK     020002101      336    15100 SH       OTHER                 15100        0        0
ALLTEL CORP                    COMMON STOCK     020039103        6      100 SH       DEFINED                 100        0        0
ALLTRISTA CORP                 COMMON STOCK     020040101       38     1800 SH       DEFINED                   0        0     1800
ALLTRISTA CORP                 COMMON STOCK     020040101        9      400 SH       OTHER                   400        0        0
ALTERA CORP                    COMMON STOCK     021441100       20      200 SH       DEFINED                   0        0      200
ALZA CORP                      COMMON STOCK     022615108      420     7100 SH       DEFINED                2700        0     4400
AMAZON.COM INC                 COMMON STOCK     023135106       22      600 SH       DEFINED                 100        0      500
AMBAC FINANCIAL GROUP, INC     COMMON STOCK     023139108      888    16200 SH       DEFINED                   0        0    16200
AMEREN CORP                    COMMON STOCK     023608102        7      200 SH       OTHER                   200        0        0
AMERICA ONLINE, INC            COMMON STOCK     02364J104     1849    35100 SH       DEFINED                2000        0    33100
AMERICA ONLINE, INC            COMMON STOCK     02364J104       32      614 SH       OTHER                   614        0        0
AMERICAN EAGLE OUTFITTERS INC  COMMON STOCK     02553E106       98     7000 SH       DEFINED                   0        0     7000
AMERICAN ELECTRIC POWER, INC.  COMMON STOCK     025537101      167     5640 SH       DEFINED                5640        0        0
AMERICAN EXPRESS CO            COMMON STOCK     025816109     1333    25572 SH       DEFINED                9872        0    15700
AMERICAN EXPRESS CO            COMMON STOCK     025816109       12      225 SH       OTHER                   225        0        0
AMERICAN GENERAL CORP          COMMON STOCK     026351106      907    14877 SH       DEFINED               14477        0      400
AMERICAN GENERAL CORP          COMMON STOCK     026351106      409     6700 SH       OTHER                  6700        0        0
AMERICAN GREETINGS CORP        COMMON STOCK     026375105      154     8100 SH       DEFINED                   0        0     8100
AMERICAN GREETINGS CORP        COMMON STOCK     026375105       36     1900 SH       OTHER                  1900        0        0
AMERICAN HOME PRODUCTS CORP    COMMON STOCK     026609107     4978    84729 SH       DEFINED               57129        0    27600
AMERICAN HOME PRODUCTS CORP    COMMON STOCK     026609107     1362    23182 SH       OTHER                 23182        0        0
AMERICAN INTERNATIONAL GROUP,  COMMON STOCK     026874107      696     5922 SH       DEFINED                2524        0     3398
AMERICAN INTERNATIONAL GROUP,  COMMON STOCK     026874107       24      200 SH       OTHER                   200        0        0
AMERICAN PWR CONVERSION CORP   COMMON STOCK     029066107       49     1200 SH       DEFINED                   0        0     1200
AMERICAN TOWER CORP            COMMON STOCK     029912201     1870    44849 SH       OTHER                 44849        0        0
AMERICREDIT CORPORATION        COMMON STOCK     03060R101      311    18300 SH       DEFINED                   0        0    18300
AMERICREDIT CORPORATION        COMMON STOCK     03060R101       15      900 SH       OTHER                   900        0        0
AMFM INC                       COMMON STOCK     001693100      759    11000 SH       DEFINED                   0        0    11000
AMGEN, INC                     COMMON STOCK     031162100      662     9425 SH       DEFINED                 925        0     8500
AMGEN, INC                     COMMON STOCK     031162100       21      300 SH       OTHER                   300        0        0
ANALOG DEVICES, INC            COMMON STOCK     032654105     1642    21600 SH       DEFINED                5400        0    16200
ANDRX CORP                     COMMON STOCK     034551101       64     1000 SH       DEFINED                   0        0     1000
ANHEUSER BUSCH COS, INC        COMMON STOCK     035229103      345     4618 SH       DEFINED                1718        0     2900
ANHEUSER BUSCH COS, INC        COMMON STOCK     035229103       10      134 SH       OTHER                   134        0        0
APOLLO GROUP INC               COMMON STOCK     037604105     1183    42250 SH       DEFINED                   0        0    42250
APPLE COMPUTER, INC            COMMON STOCK     037833100      429     8200 SH       DEFINED                3000        0     5200
APPLIED MATERIALS, INC         COMMON STOCK     038222105     4352    48020 SH       DEFINED               24020        0    24000
APPLIED MATERIALS, INC         COMMON STOCK     038222105       23      250 SH       OTHER                   250        0        0
APPLIED MICRO CIRCUITS CORP    COMMON STOCK     03822W109       20      200 SH       DEFINED                   0        0      200
ARCH CHEMICALS INC             COMMON STOCK     03937R102      225    10300 SH       DEFINED                   0        0    10300
ARTESYN TECHNOLOGIES INC       COMMON STOCK     043127109      476    17100 SH       DEFINED                   0        0    17100
ASSOCIATES FIRST CAPITAL CORP  COMMON STOCK     046008108       46     2044 SH       DEFINED                2044        0        0
ASSOCIATES FIRST CAPITAL CORP  COMMON STOCK     046008108        5      208 SH       OTHER                   208        0        0
AT & T WIRELESS                COMMON STOCK     001957406      209     7500 SH       DEFINED                2800        0     4700
AT&T                           COMMON STOCK     001957109      943    29818 SH       DEFINED               25993        0     3825
AT&T                           COMMON STOCK     001957109      357    11300 SH       OTHER                 11300        0        0
AT&T CORP LIBERTY MEDIA GP CL  COMMON STOCK     001957208     3131   129100 SH       DEFINED                9000        0   120100
AUTODESK INC                   COMMON STOCK     052769106      125     3600 SH       DEFINED                   0        0     3600
AUTODESK INC                   COMMON STOCK     052769106       28      800 SH       OTHER                   800        0        0
AUTOMATIC DATA PROCESSING, INC COMMON STOCK     053015103      830    15500 SH       DEFINED                4200        0    11300
AUTOMATIC DATA PROCESSING, INC COMMON STOCK     053015103       13      250 SH       OTHER                   250        0        0
AUTONATION, INC.               COMMON STOCK     05329W102        7     1000 SH       DEFINED                1000        0        0
AVERY DENNISON CORP            COMMON STOCK     053611109       23      350 SH       DEFINED                 350        0        0
AVON PRODS INC                 COMMON STOCK     054303102     1673    37600 SH       DEFINED                   0        0    37600
AVON PRODS INC                 COMMON STOCK     054303102      276     6200 SH       OTHER                  6100        0      100
AZURIX CORP.                   COMMON STOCK     05501M104       76    10925 SH       OTHER                 10925        0        0
BAKER HUGHES, INC              COMMON STOCK     057224107      802    25050 SH       DEFINED               25050        0        0
BAKER HUGHES, INC              COMMON STOCK     057224107       38     1200 SH       OTHER                     0        0     1200
BANK NEW YORK, INC             COMMON STOCK     064057102       23      500 SH       DEFINED                   0        0      500
BANK OF AMERICA CORP           COMMON STOCK     060505104     1226    28516 SH       DEFINED               24990        0     3526
BANK OF AMERICA CORP           COMMON STOCK     060505104       25      589 SH       OTHER                   589        0        0
BANK ONE CORPORATION           COMMON STOCK     06423A103      477    17970 SH       DEFINED               15570        0     2400
BANK ONE CORPORATION           COMMON STOCK     06423A103      171     6440 SH       OTHER                  3667        0     2773
BANKNORTH GROUP INC            COMMON STOCK     06646R107       31     2000 SH       DEFINED                   0        0     2000
BAUSCH & LOMB INC              COMMON STOCK     071707103      751     9700 SH       DEFINED                   0        0     9700
BAUSCH & LOMB INC              COMMON STOCK     071707103      155     2000 SH       OTHER                  2000        0        0
BAXTER INTERNATIONAL, INC      COMMON STOCK     071813109      234     3325 SH       DEFINED                1725        0     1600
BAY VIEW CAP CORP DEL          COMMON STOCK     07262L101      333    33900 SH       DEFINED                   0        0    33900
BEA SYS INC                    COMMON STOCK     073325102       20      400 SH       DEFINED                   0        0      400
BEAR STEARNS COS INC           COMMON STOCK     073902108       50     1200 SH       DEFINED                 700        0      500
BECTON DICKINSON & CO          COMMON STOCK     075887109      886    30900 SH       DEFINED                   0        0    30900
BECTON DICKINSON & CO          COMMON STOCK     075887109      275     9600 SH       OTHER                  9600        0        0
BELDEN INC                     COMMON STOCK     077459105      118     4600 SH       DEFINED                   0        0     4600
BELDEN INC                     COMMON STOCK     077459105       21      800 SH       OTHER                   800        0        0
BELL ATLANTIC CORP             COMMON STOCK     077853109     1671    32881 SH       DEFINED               16381        0    16500
BELL ATLANTIC CORP             COMMON STOCK     077853109      510    10036 SH       OTHER                 10036        0        0
BELL SOUTH CORP                COMMON STOCK     079860102     1158    27169 SH       DEFINED               20001        0     7168
BELL SOUTH CORP                COMMON STOCK     079860102      157     3675 SH       OTHER                  3675        0        0
BELO (A H) CORP-SERIES A       COMMON STOCK     080555105       12      700 SH       DEFINED                 700        0        0
BERKSHIRE HATHAWAY CLASS B     COMMON STOCK     084670207      167       95 SH       OTHER                     0        0       95
BEST BUY INC                   COMMON STOCK     086516101       32      500 SH       DEFINED                   0        0      500
BESTFOODS                      COMMON STOCK     08658U101      168     2430 SH       DEFINED                2430        0        0
BESTFOODS                      COMMON STOCK     08658U101       21      300 SH       OTHER                   300        0        0
BIOGEN INC                     COMMON STOCK     090597105       32      500 SH       DEFINED                   0        0      500
BIOMET, INC                    COMMON STOCK     090613100       19      500 SH       OTHER                     0        0      500
BJ SERVICES COMPANY            COMMON STOCK     055482103      188     3000 SH       DEFINED                3000        0        0
BLACK & DECKER CORP            COMMON STOCK     091797100     1046    26600 SH       DEFINED                   0        0    26600
BLACK & DECKER CORP            COMMON STOCK     091797100      279     7100 SH       OTHER                  7100        0        0
BMC SOFTWARE, INC              COMMON STOCK     055921100     1189    32590 SH       DEFINED               32590        0        0
BOEING CO                      COMMON STOCK     097023105       92     2200 SH       DEFINED                1400        0      800
BOEING CO                      COMMON STOCK     097023105       71     1700 SH       OTHER                     0        0     1700
BORG WARNER, INC               COMMON STOCK     099724106       56     1600 SH       DEFINED                   0        0     1600
BORG WARNER, INC               COMMON STOCK     099724106       18      500 SH       OTHER                   500        0        0
BOSTON SCIENTIFIC CORP         COMMON STOCK     101137107      140     6400 SH       OTHER                  6400        0        0
BRIGGS & STRATTON CORP         COMMON STOCK     109043109       41     1200 SH       DEFINED                   0        0     1200
BRIGGS & STRATTON CORP         COMMON STOCK     109043109       14      400 SH       OTHER                   400        0        0
BRISTOL- MYERS SQUIBB CO       COMMON STOCK     110122108     8524   146338 SH       DEFINED               60338        0    86000
BRISTOL- MYERS SQUIBB CO       COMMON STOCK     110122108      325     5575 SH       OTHER                  5575        0        0
BRITISH AMERN TOB PLC          COMMON STOCK     110448107        6      430 SH       DEFINED                   0        0      430
BROADCOM CORP                  COMMON STOCK     111320107       44      200 SH       DEFINED                   0        0      200
BROADVISION INC                COMMON STOCK     111412102     1631    32100 SH       DEFINED                   0        0    32100
BROADWING INC                  COMMON STOCK     111620100       35     1352 SH       DEFINED                   0        0     1352
BUCKEYE PARTNERS, L.P.         COMMON STOCK     118230101      335    12500 SH       DEFINED               12500        0        0
BURLINGTON COAT FACTORY WHSE C COMMON STOCK     121579106       52     4800 SH       DEFINED                   0        0     4800
BURLINGTON COAT FACTORY WHSE C COMMON STOCK     121579106       17     1600 SH       OTHER                  1600        0        0
BURLINGTON NORTHERN SANTA FE   COMMON STOCK     12189T104       10      450 SH       DEFINED                 450        0        0
BURLINGTON NORTHERN SANTA FE   COMMON STOCK     12189T104       10      425 SH       OTHER                   425        0        0
BURLINGTON RESOURCES, INC      COMMON STOCK     122014103       88     2300 SH       DEFINED                   0        0     2300
BURNS INTL SERVICES CORP       COMMON STOCK     122374101      346    27700 SH       DEFINED                   0        0    27700
C BRDG INTERNET SOLUTIONS INC  COMMON STOCK     12500B105      144     8300 SH       DEFINED                   0        0     8300
CABOT CORP                     COMMON STOCK     127055101        5      200 SH       DEFINED                 200        0        0
CALPINE CORP                   COMMON STOCK     131347106       39      600 SH       DEFINED                   0        0      600
CAPSTEAD MTG CORP NEW          COMMON STOCK     14067E407       12     1400 SH       OTHER                  1400        0        0
CARDINAL HEALTH, INC           COMMON STOCK     14149Y108       74     1000 SH       DEFINED                   0        0     1000
CAREMARK RX, INC               COMMON STOCK     141705103       47     6919 SH       DEFINED                6919        0        0
CARNIVAL CORPORATION           COMMON STOCK     143658102      207    10595 SH       DEFINED               10595        0        0
CARNIVAL CORPORATION           COMMON STOCK     143658102       49     2500 SH       OTHER                  2000        0      500
CARPENTER TECHNOLOGY           COMMON STOCK     144285103       65     3100 SH       DEFINED                   0        0     3100
CARPENTER TECHNOLOGY           COMMON STOCK     144285103       21     1000 SH       OTHER                  1000        0        0
CARRIAGE SERVICES, INC.        COMMON STOCK     143905107        3      850 SH       DEFINED                 850        0        0
CASELLA WASTE SYS INC          COMMON STOCK     147448104      333    31000 SH       DEFINED                   0        0    31000
CATALYTICA INC                 COMMON STOCK     148885106       21     1900 SH       OTHER                  1900        0        0
CENDANT CORP                   COMMON STOCK     151313103      536    38300 SH       DEFINED                   0        0    38300
CENTRA SOFTWARE INC            COMMON STOCK     15234X103      195    20500 SH       DEFINED                   0        0    20500
CENTRAL GARDEN & PET CO        COMMON STOCK     153527106      238    26500 SH       DEFINED                   0        0    26500
CENTRAL NEWSPAPERS INC         COMMON STOCK     154647101      620     9800 SH       DEFINED                   0        0     9800
CHARLES SCHWAB CORPORATION     COMMON STOCK     808513105     1146    34088 SH       DEFINED               18538        0    15550
CHARLES SCHWAB CORPORATION     COMMON STOCK     808513105       10      300 SH       OTHER                   300        0        0
CHASE MANHATTAN CORP           COMMON STOCK     16161A108     2000    43415 SH       DEFINED               38115        0     5300
CHASE MANHATTAN CORP           COMMON STOCK     16161A108        9      203 SH       OTHER                   203        0        0
CHECKFREE HLDGS CORP           COMMON STOCK     162816102      485     9400 SH       DEFINED                   0        0     9400
CHEVRON CORP                   COMMON STOCK     166751107      181     2130 SH       DEFINED                 430        0     1700
CHEVRON CORP                   COMMON STOCK     166751107       74      875 SH       OTHER                   875        0        0
CHILDRENS PL RETAIL STORES INC COMMON STOCK     168905107      164     8000 SH       DEFINED                   0        0     8000
CHOICEPOINT, INC               COMMON STOCK     170388102      632    14200 SH       DEFINED                 100        0    14100
CIENA CORP                     COMMON STOCK     171779101      817     4900 SH       DEFINED                1800        0     3100
CINERGY CORP                   COMMON STOCK     172474108      117     4600 SH       DEFINED                   0        0     4600
CINERGY CORP                   COMMON STOCK     172474108       31     1200 SH       OTHER                  1200        0        0
CIRCLE INTL GROUP INC          COMMON STOCK     172574105      211     8400 SH       DEFINED                   0        0     8400
CISCO SYSTEMS, INC             COMMON STOCK     17275R102     9934   156282 SH       DEFINED               39082        0   117200
CISCO SYSTEMS, INC             COMMON STOCK     17275R102      102     1610 SH       OTHER                  1610        0        0
CIT GROUP INC                  COMMON STOCK     125577106      907    55800 SH       DEFINED               54300        0     1500
CITIGROUP, INC                 COMMON STOCK     172967101     2993    49671 SH       DEFINED               29296        0    20375
CITIGROUP, INC                 COMMON STOCK     172967101       69     1146 SH       OTHER                  1146        0        0
CLAIRE'S STORES, INC.          COMMON STOCK     179584107      196    10200 SH       DEFINED                   0        0    10200
CLAIRE'S STORES, INC.          COMMON STOCK     179584107       50     2600 SH       OTHER                  2300        0      300
CLARUS CORP DEL                COMMON STOCK     182707109      389    10000 SH       DEFINED                   0        0    10000
CLOROX CO                      COMMON STOCK     189054109      626    13980 SH       DEFINED               13980        0        0
CMGI INC                       COMMON STOCK     125750109        9      200 SH       DEFINED                   0        0      200
CMS ENERGY CORP                COMMON STOCK     125896100       33     1500 SH       DEFINED                   0        0     1500
COASTAL CORP                   COMMON STOCK     190441105        9      140 SH       DEFINED                 140        0        0
COCA COLA ENTERPRISES INC      COMMON STOCK     191219104       24     1500 SH       DEFINED                1500        0        0
COCA-COLA CO                   COMMON STOCK     191216100     5401    94035 SH       DEFINED               45435        0    48600
COCA-COLA CO                   COMMON STOCK     191216100     2266    39450 SH       OTHER                 39450        0        0
COLGATE PALMOLIVE              COMMON STOCK     194162103      732    12226 SH       DEFINED                 726        0    11500
COMCAST CORP CL A              COMMON STOCK     200300101     1263    32500 SH       DEFINED                   0        0    32500
COMCAST CORPCL A SPL           COMMON STOCK     200300200       49     1200 SH       DEFINED                   0        0     1200
COMERICA, INC                  COMMON STOCK     200340107       64     1425 SH       DEFINED                1425        0        0
COMMERCIAL FED CORP            COMMON STOCK     201647104       31     2000 SH       DEFINED                   0        0     2000
COMMUNITY FIRST BANKSHARES INC COMMON STOCK     203902101      189    11600 SH       DEFINED                   0        0    11600
COMMUNITY FIRST BANKSHARES INC COMMON STOCK     203902101       10      600 SH       OTHER                   600        0        0
COMPAQ COMPUTER CORP           COMMON STOCK     204493100     1594    62366 SH       DEFINED               18966        0    43400
COMPAQ COMPUTER CORP           COMMON STOCK     204493100      389    15200 SH       OTHER                 11200        0     4000
COMPLETE BUSINESS SOLUTIONS IN COMMON STOCK     20452F107      135     7700 SH       DEFINED                   0        0     7700
COMPUTER ASSOC INTERNATIONAL,  COMMON STOCK     204912109      147     2875 SH       DEFINED                2275        0      600
COMPUTER HORIZONS CORP         COMMON STOCK     205908106      195    14500 SH       DEFINED                   0        0    14500
COMPUTER SCIENCES CORP         COMMON STOCK     205363104       20      270 SH       DEFINED                 270        0        0
COMPUWARE CORP                 COMMON STOCK     205638109       12     1200 SH       DEFINED                1200        0        0
COMVERSE TECHNOLOGY INC        COMMON STOCK     205862402       19      200 SH       DEFINED                   0        0      200
CONECTIV INC                   COMMON STOCK     206829103        8      500 SH       DEFINED                 500        0        0
CONEXANT SYSTEMS, INC          COMMON STOCK     207142100      130     2675 SH       DEFINED                 975        0     1700
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      456    18561 SH       DEFINED               18561        0        0
CONOCO INC, CLASS B            COMMON STOCK     208251405        1       51 SH       OTHER                    51        0        0
CONSOLIDATED EDISON, INC       COMMON STOCK     209115104       98     3300 SH       DEFINED                3300        0        0
CONVERGYS CORP                 COMMON STOCK     212485106       18      352 SH       DEFINED                   0        0      352
COOPER CAMERON CORP            COMMON STOCK     216640102       53      800 SH       OTHER                     0        0      800
COOPER INDUSTRIES, INC         COMMON STOCK     216669101       33     1000 SH       OTHER                     0        0     1000
COORSTEK INC                   COMMON STOCK     217020106       36      775 SH       DEFINED                   0        0      775
COORSTEK INC                   COMMON STOCK     217020106       28      600 SH       OTHER                   600        0        0
COPPER MTN NETWORKS INC        COMMON STOCK     217510106       44      500 SH       DEFINED                   0        0      500
CORN PRODUCTS INTERNATIONAL    COMMON STOCK     219023108        7      275 SH       DEFINED                 275        0        0
CORN PRODUCTS INTERNATIONAL    COMMON STOCK     219023108        1       37 SH       OTHER                    37        0        0
CORNING, INC                   COMMON STOCK     219350105     4102    15200 SH       DEFINED                2800        0    12400
COSTCO WHOLESALE CORP          COMMON STOCK     22160K105      442    13400 SH       DEFINED                5100        0     8300
COSTCO WHOLESALE CORP          COMMON STOCK     22160K105        7      200 SH       OTHER                   200        0        0
COVAD COMMUNICATIONS GROUP INC COMMON STOCK     222814204       12      750 SH       DEFINED                   0        0      750
COVANCE, INC                   COMMON STOCK     222816100       44     5000 SH       DEFINED                   0        0     5000
COVANCE, INC                   COMMON STOCK     222816100       11     1200 SH       OTHER                  1200        0        0
CRANE CO                       COMMON STOCK     224399105      100     4105 SH       DEFINED                4105        0        0
CRESCENT REAL ESTATE EQUITIECO COMMON STOCK     225756105      545    26600 SH       DEFINED               26600        0        0
CRITICAL PATH INC              COMMON STOCK     22674V100      846    14500 SH       DEFINED                   0        0    14500
CROWN CASTLE INTL CORP         COMMON STOCK     228227104     2347    64300 SH       DEFINED                   0        0    64300
CUMMINS ENGINE, INC            COMMON STOCK     231021106      112     4100 SH       DEFINED                   0        0     4100
CUMMINS ENGINE, INC            COMMON STOCK     231021106       25      900 SH       OTHER                   900        0        0
CVS CORP                       COMMON STOCK     126650100      800    20000 SH       DEFINED                   0        0    20000
CYGNUS, INC                    COMMON STOCK     232560102        7      500 SH       OTHER                   500        0        0
CYLINK CORP                    COMMON STOCK     232565101      698    41700 SH       DEFINED                   0        0    41700
CYPRESS SEMICONDUCTOR CORP     COMMON STOCK     232806109       17      400 SH       DEFINED                   0        0      400
D R HORTON INC                 COMMON STOCK     23331A109      202    14900 SH       DEFINED                   0        0    14900
DANA CORP                      COMMON STOCK     235811106       42     2000 SH       DEFINED                   0        0     2000
DANAHER CORP                   COMMON STOCK     235851102       10      200 SH       DEFINED                 200        0        0
DATA RETURN CORP               COMMON STOCK     23785M104      467    16100 SH       DEFINED                   0        0    16100
DEERE & CO                     COMMON STOCK     244199105        9      230 SH       DEFINED                 230        0        0
DELL COMPUTER CORP             COMMON STOCK     247025109     1589    32220 SH       DEFINED                 820        0    31400
DELL COMPUTER CORP             COMMON STOCK     247025109       99     2000 SH       OTHER                  1300        0      700
DELPHI AUTO SYSTEMS            COMMON STOCK     247126105       18     1247 SH       DEFINED                1247        0        0
DEVON ENERGY CORP NEW          COMMON STOCK     25179M103      180     3200 SH       DEFINED                3200        0        0
DEVRY INC DEL                  COMMON STOCK     251893103      748    28300 SH       DEFINED                   0        0    28300
DIAL CORP                      COMMON STOCK     25247D101        5      504 SH       DEFINED                 504        0        0
DIAL CORP                      COMMON STOCK     25247D101       63     6050 SH       OTHER                  6050        0        0
DIAMOND OFFSHORE DRILLING, INC COMMON STOCK     25271C102       11      300 SH       DEFINED                 300        0        0
DIGITALTHINK INC               COMMON STOCK     25388M100      491    13700 SH       DEFINED                   0        0    13700
DISNEY WALT CO                 COMMON STOCK     254687106      327     8430 SH       DEFINED                5730        0     2700
DISNEY WALT CO                 COMMON STOCK     254687106       23      600 SH       OTHER                   600        0        0
DOMINION RES INC VA NEW        COMMON STOCK     25746U109        9      219 SH       DEFINED                 219        0        0
DOMINION RES INC VA NEW        COMMON STOCK     25746U109       62     1453 SH       OTHER                  1453        0        0
DONNELLEY R R & SONS CO        COMMON STOCK     257867101      794    35200 SH       DEFINED               33000        0     2200
DOUBLECLICK INC                COMMON STOCK     258609304      408    10700 SH       DEFINED                   0        0    10700
DOW CHEMICAL CO                COMMON STOCK     260543103      398    13200 SH       DEFINED                3900        0     9300
DOW CHEMICAL CO                COMMON STOCK     260543103      197     6525 SH       OTHER                  6525        0        0
DPL, INC                       COMMON STOCK     233293109       48     2200 SH       DEFINED                   0        0     2200
DU PONT, E I DE NEMOURS & CO   COMMON STOCK     263534109      813    18590 SH       DEFINED               12361        0     6229
DU PONT, E I DE NEMOURS & CO   COMMON STOCK     263534109       27      612 SH       OTHER                   612        0        0
DUKE POWER CO                  COMMON STOCK     264399106     2495    44250 SH       DEFINED               23251        0    20999
DUKE POWER CO                  COMMON STOCK     264399106      297     5266 SH       OTHER                  5266        0        0
DUKE-WEEKS REALTY INVESTMENTS  COMMON STOCK     264411505      150     6700 SH       DEFINED                   0        0     6700
DUKE-WEEKS REALTY INVESTMENTS  COMMON STOCK     264411505       34     1500 SH       OTHER                  1500        0        0
DUN & BRADSTREET CORP          COMMON STOCK     26483B106       29     1000 SH       OTHER                     0        0     1000
DURBAN ROODEPOORT DEEP LTD ADR COMMON STOCK     266597301        6     5500 SH       OTHER                  5500        0        0
DYNEGY INC NEW                 COMMON STOCK     26816Q101       34      500 SH       DEFINED                   0        0      500
E M C CORP/MASS                COMMON STOCK     268648102     4619    60030 SH       DEFINED               11830        0    48200
E M C CORP/MASS                COMMON STOCK     268648102       23      300 SH       OTHER                   300        0        0
E PIPHANY INC                  COMMON STOCK     26881V100      482     4500 SH       DEFINED                   0        0     4500
E-TEK DYNAMICS INC             COMMON STOCK     269240107     1636     6200 SH       DEFINED                   0        0     6200
E-TRADE GROUP INC              COMMON STOCK     269246104       17     1000 SH       DEFINED                   0        0     1000
EASTMAN KODAK CO               COMMON STOCK     277461109       50      834 SH       DEFINED                 834        0        0
EASTMAN KODAK CO               COMMON STOCK     277461109       65     1100 SH       OTHER                  1100        0        0
EATON CORP                     COMMON STOCK     278058102       42      625 SH       DEFINED                 125        0      500
EBENX INC                      COMMON STOCK     278668108      246    11600 SH       DEFINED                   0        0    11600
EDISON INTERNATIONAL           COMMON STOCK     281020107       33     1600 SH       DEFINED                1600        0        0
EDISON SCHS INC                COMMON STOCK     281033100      538    23200 SH       DEFINED                   0        0    23200
EDUCATION MGMT CORP            COMMON STOCK     28139T101      742    41100 SH       DEFINED                   0        0    41100
EDWARDS LIFESCIENCES CORP      COMMON STOCK     28176E108       22     1165 SH       DEFINED                 345        0      820
EGAIN COMMUNICATIONS CORP      COMMON STOCK     28225C103      176    14500 SH       DEFINED                   0        0    14500
EL PASO ENERGY CORP            COMMON STOCK     283905107     2703    53070 SH       DEFINED               30300        0    22770
EL PASO ENERGY CORP            COMMON STOCK     283905107      280     5500 SH       OTHER                  5500        0        0
ELCOR CORP                     COMMON STOCK     284443108      102     4425 SH       DEFINED                   0        0     4425
ELCOR CORP                     COMMON STOCK     284443108       23     1000 SH       OTHER                  1000        0        0
ELECTRONIC DATA SYSTEMS CORP   COMMON STOCK     285661104      101     2460 SH       DEFINED                 760        0     1700
ELECTRONIC DATA SYSTEMS CORP   COMMON STOCK     285661104       62     1500 SH       OTHER                     0        0     1500
ELI LILLY AND COMPANY          COMMON STOCK     532457108     1779    17814 SH       DEFINED                2114        0    15700
ELI LILLY AND COMPANY          COMMON STOCK     532457108       37      375 SH       OTHER                   375        0        0
ELOYALTY CORP                  COMMON STOCK     290151109      757    59350 SH       DEFINED                   0        0    59350
EMCOR GROUP INC                COMMON STOCK     29084Q100      111     4800 SH       DEFINED                   0        0     4800
EMERSON ELECTRIC CO            COMMON STOCK     291011104     1971    32643 SH       DEFINED               31843        0      800
EMERSON ELECTRIC CO            COMMON STOCK     291011104      946    15666 SH       OTHER                 15666        0        0
ENERGIZER HLDGS INC            COMMON STOCK     29266R108      558    30566 SH       DEFINED                 266        0    30300
ENERGY EAST CORP               COMMON STOCK     29266M109       92     4800 SH       DEFINED                4800        0        0
ENRON CORP                     COMMON STOCK     293561106      864    13400 SH       DEFINED               12500        0      900
ENRON CORP                     COMMON STOCK     293561106       22      335 SH       OTHER                   335        0        0
ENTERGY CORP                   COMMON STOCK     29364G103      424    15600 SH       DEFINED               15600        0        0
EQUIFAX, INC                   COMMON STOCK     294429105       13      500 SH       DEFINED                 500        0        0
EQUITY RESIDENTIAL PPTYS TR    COMMON STOCK     29476L107       13      275 SH       DEFINED                 275        0        0
EVEREST RE GROUP LTD           COMMON STOCK     G3223R108      411    12500 SH       DEFINED                   0        0    12500
EXCELON CORP                   COMMON STOCK     300691102        4      500 SH       DEFINED                 500        0        0
EXODUS COMMUNICATIONS INC      COMMON STOCK     302088109     1281    27800 SH       DEFINED                   0        0    27800
EXODUS COMMUNICATIONS INC      COMMON STOCK     302088109       18      400 SH       OTHER                     0        0      400
EXPRESS SCRIPTS INC            COMMON STOCK     302182100       62     1000 SH       DEFINED                   0        0     1000
EXXON MOBIL CORPORATION        COMMON STOCK     30231G102    16083   204884 SH       DEFINED              183340        0    21544
EXXON MOBIL CORPORATION        COMMON STOCK     30231G102     7168    91310 SH       OTHER                 91310        0        0
FANNIE MAE                     COMMON STOCK     313586109     2163    41440 SH       DEFINED               17240        0    24200
FANNIE MAE                     COMMON STOCK     313586109       16      300 SH       OTHER                   100        0      200
FELCOR LODGING TR INC          COMMON STOCK     31430F101      464    25074 SH       DEFINED                   0        0    25074
FIRST DATA CORP                COMMON STOCK     319963104     1444    29100 SH       DEFINED                   0        0    29100
FIRST HEALTH GROUP CORP        COMMON STOCK     320960107      361    11000 SH       DEFINED                   0        0    11000
FIRST UNION CORP.              COMMON STOCK     337358105     1337    53887 SH       DEFINED               51587        0     2300
FIRST UNION CORP.              COMMON STOCK     337358105       20      800 SH       OTHER                   100        0      700
FIRSTENERGY CORP               COMMON STOCK     337932107       72     3100 SH       DEFINED                   0        0     3100
FLEETBOSTON FINANCIAL CORP     COMMON STOCK     339030108       78     2300 SH       DEFINED                   0        0     2300
FLEETWOOD ENTERPRISES INC      COMMON STOCK     339099103      137     9600 SH       DEFINED                   0        0     9600
FLEETWOOD ENTERPRISES INC      COMMON STOCK     339099103       31     2200 SH       OTHER                  2200        0        0
FLOORING AMERICA INC           COMMON STOCK     339756108       11    29300 SH       DEFINED                   0        0    29300
FLORIDA PROGRESS CORP          COMMON STOCK     341109106       26      550 SH       DEFINED                 550        0        0
FLORIDA PROGRESS CORP          COMMON STOCK     341109106       23      498 SH       OTHER                   498        0        0
FMC CORP                       COMMON STOCK     302491303      766    13200 SH       DEFINED               13200        0        0
FORD MOTOR COMPANY             COMMON STOCK     345370100     1210    28128 SH       DEFINED                9710        0    18418
FORD MOTOR COMPANY             COMMON STOCK     345370100      146     3400 SH       OTHER                  3400        0        0
FORT JAMES CORP                COMMON STOCK     347471104      312    13500 SH       DEFINED               13500        0        0
FORT JAMES CORP                COMMON STOCK     347471104       79     3400 SH       OTHER                  3400        0        0
FORTUNE BRANDS, INC            COMMON STOCK     349631101        7      300 SH       DEFINED                 300        0        0
FORTUNE BRANDS, INC            COMMON STOCK     349631101       23     1000 SH       OTHER                  1000        0        0
FPL GROUP INC                  COMMON STOCK     302571104       15      300 SH       OTHER                   300        0        0
FREDDIE MAC                    COMMON STOCK     313400301     1008    24900 SH       DEFINED                   0        0    24900
FREDDIE MAC                    COMMON STOCK     313400301       43     1050 SH       OTHER                   750        0      300
FRONTIER INS GROUP INC NEW     COMMON STOCK     359081106        0      550 SH       DEFINED                 550        0        0
GABLES RESIDENTIAL TR          COMMON STOCK     362418105       44     1700 SH       DEFINED                   0        0     1700
GABLES RESIDENTIAL TR          COMMON STOCK     362418105       10      400 SH       OTHER                   400        0        0
GANNETT, INC                   COMMON STOCK     364730101       33      550 SH       OTHER                   150        0      400
GAP, INC                       COMMON STOCK     364760108       98     3125 SH       DEFINED                2025        0     1100
GAP, INC                       COMMON STOCK     364760108       14      450 SH       OTHER                   450        0        0
GATEWAY INC                    COMMON STOCK     367626108       79     1400 SH       OTHER                     0        0     1400
GATX CORP                      COMMON STOCK     361448103      269     7900 SH       DEFINED                   0        0     7900
GEMSTAR INTL GROUP LTD         COMMON STOCK     G3788V106      234     3800 SH       DEFINED                1500        0     2300
GENERAL ELECTRIC CO            COMMON STOCK     369604103    13591   256437 SH       DEFINED              126389        0   130048
GENERAL ELECTRIC CO            COMMON STOCK     369604103     6523   123075 SH       OTHER                123075        0        0
GENERAL MILLS, INC             COMMON STOCK     370334104       37      974 SH       DEFINED                   0        0      974
GENERAL MILLS, INC             COMMON STOCK     370334104        6      150 SH       OTHER                   150        0        0
GENERAL MOTORS CORP.           COMMON STOCK     370442105      162     2788 SH       DEFINED                1688        0     1100
GENERAL MOTORS CORP.           COMMON STOCK     370442105       56      971 SH       OTHER                   169        0      802
GENERAL MOTORS CORP-CLASS H    COMMON STOCK     370442832        6      200 SH       DEFINED                   0        0      200
GENERAL MOTORS CORP-CLASS H    COMMON STOCK     370442832        8      269 SH       OTHER                    59        0      210
GENTEX CORP                    COMMON STOCK     371901109       18      700 SH       DEFINED                   0        0      700
GENUINE PARTS CO               COMMON STOCK     372460105        9      425 SH       OTHER                   425        0        0
GENZYME CORP                   COMMON STOCK     372917500        4      280 SH       OTHER                   280        0        0
GETTHERE COM INC               COMMON STOCK     374266104      148    14000 SH       DEFINED                   0        0    14000
GILLETTE CO                    COMMON STOCK     375766102      721    20635 SH       DEFINED                4635        0    16000
GILLETTE CO                    COMMON STOCK     375766102       49     1400 SH       OTHER                  1200        0      200
GLOBAL MARINE, INC             COMMON STOCK     379352404      392    13900 SH       DEFINED                5300        0     8600
GO.COM                         COMMON STOCK     254687205       15     1250 SH       OTHER                  1250        0        0
GOLDMAN SACHS GROUP INC        COMMON STOCK     38141G104       47      500 SH       DEFINED                 100        0      400
GOODRICH B F CO                COMMON STOCK     382388106      715    21000 SH       DEFINED               21000        0        0
GOODYEAR TIRE & RUBBER CO      COMMON STOCK     382550101       16      800 SH       OTHER                   800        0        0
GRACO INC                      COMMON STOCK     384109104       46     1400 SH       DEFINED                   0        0     1400
GRACO INC                      COMMON STOCK     384109104       10      300 SH       OTHER                   300        0        0
GREAT LAKES CHEMICAL CORP      COMMON STOCK     390568103       79     2500 SH       OTHER                     0        0     2500
GRIFFON CORP                   COMMON STOCK     398433102       33     5900 SH       DEFINED                   0        0     5900
GRIFFON CORP                   COMMON STOCK     398433102        8     1500 SH       OTHER                  1500        0        0
GTE CORP                       COMMON STOCK     362320103     2506    40260 SH       DEFINED               38760        0     1500
GTE CORP                       COMMON STOCK     362320103      336     5400 SH       OTHER                  5400        0        0
GTECH HLDGS CORP               COMMON STOCK     400518106       43     1900 SH       DEFINED                   0        0     1900
GTECH HLDGS CORP               COMMON STOCK     400518106        9      400 SH       OTHER                   400        0        0
GUIDANT CORP                   COMMON STOCK     401698105       15      300 SH       DEFINED                   0        0      300
GYMBOREE CORP                  COMMON STOCK     403777105        4     1300 SH       OTHER                     0        0     1300
H.J. HEINZ CO.                 COMMON STOCK     423074103       53     1200 SH       DEFINED                1200        0        0
HALLIBURTON CO                 COMMON STOCK     406216101     1155    24480 SH       DEFINED               13380        0    11100
HALLIBURTON CO                 COMMON STOCK     406216101       71     1500 SH       OTHER                     0        0     1500
HARLEY DAVIDSON, INC           COMMON STOCK     412822108      477    12400 SH       DEFINED                4700        0     7700
HARMONIC INC                   COMMON STOCK     413160102       12      500 SH       DEFINED                   0        0      500
HARRAH'S ENTERTAINMENT         COMMON STOCK     413619107      787    37600 SH       DEFINED                   0        0    37600
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104      448     8000 SH       DEFINED                8000        0        0
HAWAIIAN ELECTRIC INDUSTRIES,  COMMON STOCK     419870100       11      332 SH       OTHER                   332        0        0
HCA-THE HEALTHCARE COMPANY     COMMON STOCK     404119109     1191    39200 SH       DEFINED               35400        0     3800
HEARTLAND EXPRESS, INC         COMMON STOCK     422347104        5      300 SH       OTHER                     0        0      300
HERCULES INC                   COMMON STOCK     427056106       56     4000 SH       DEFINED                 100        0     3900
HERSHEY FOODS CORP             COMMON STOCK     427866108       10      200 SH       DEFINED                 200        0        0
HEWLETT-PACKARD CO             COMMON STOCK     428236103     1739    13929 SH       DEFINED                9629        0     4300
HEWLETT-PACKARD CO             COMMON STOCK     428236103      164     1312 SH       OTHER                   612        0      700
HILTON HOTELS CORP             COMMON STOCK     432848109        9     1000 SH       OTHER                  1000        0        0
HOLLYWOOD.COM INC              COMMON STOCK     436137103      182    23500 SH       DEFINED                   0        0    23500
HOME DEPOT, INC                COMMON STOCK     437076102     3322    66532 SH       DEFINED               25532        0    41000
HOME DEPOT, INC                COMMON STOCK     437076102       37      737 SH       OTHER                   737        0        0
HONEYWELL INTERNATIONAL INC    COMMON STOCK     438516106     1265    37551 SH       DEFINED               34051        0     3500
HONEYWELL INTERNATIONAL INC    COMMON STOCK     438516106       95     2823 SH       OTHER                  2823        0        0
HORMEL FOODS CORP              COMMON STOCK     440452100      126     7500 SH       DEFINED                   0        0     7500
HORMEL FOODS CORP              COMMON STOCK     440452100       30     1800 SH       OTHER                  1800        0        0
HOST MARRIOTT CORP NEW         COMMON STOCK     44107P104      779    83144 SH       DEFINED                   0        0    83144
HOUSEHOLD INTERNATIONAL, INC   COMMON STOCK     441815107     1072    25800 SH       DEFINED               25800        0        0
HUDSON UTD BANCORP             COMMON STOCK     444165104       36     1600 SH       DEFINED                   0        0     1600
HUTTIG BLDG PRODS INC          COMMON STOCK     448451104        3      674 SH       DEFINED                 674        0        0
IDACORP INC                    COMMON STOCK     451107106       39     1200 SH       DEFINED                   0        0     1200
IKON OFFICE SOLUTIONS, INC     COMMON STOCK     451713101       87    22500 SH       DEFINED               22500        0        0
ILLINOIS TOOL WKS INC          COMMON STOCK     452308109        6      100 SH       OTHER                   100        0        0
IMATION CORPORATION            COMMON STOCK     45245A107       14      460 SH       OTHER                   460        0        0
IMMUNEX CORP NEW               COMMON STOCK     452528102       30      600 SH       DEFINED                   0        0      600
INFINITY BROADCASTING CORP A   COMMON STOCK     45662S102     1405    38550 SH       DEFINED                   0        0    38550
INFORMATION HLDGS INC          COMMON STOCK     456727106     1073    29000 SH       DEFINED                   0        0    29000
INFOSPACE INC                  COMMON STOCK     45678T102       22      400 SH       DEFINED                   0        0      400
INGERSOLL RAND CO              COMMON STOCK     456866102      950    23600 SH       DEFINED                   0        0    23600
INGERSOLL RAND CO              COMMON STOCK     456866102      225     5600 SH       OTHER                  5600        0        0
INKTOMI CORP                   COMMON STOCK     457277101       24      200 SH       DEFINED                   0        0      200
INPUT/OUTPUT, INC              COMMON STOCK     457652105       49     5800 SH       OTHER                  5800        0        0
INSO CORP                      COMMON STOCK     457674109       82    15800 SH       DEFINED                   0        0    15800
INTEGRATED CIRCUIT SYS INC     COMMON STOCK     45811K208      589    34400 SH       DEFINED                   0        0    34400
INTEL CORP                     COMMON STOCK     458140100    10603    79313 SH       DEFINED               23213        0    56100
INTEL CORP                     COMMON STOCK     458140100      110      825 SH       OTHER                   825        0        0
INTELECT COMMUNICATIONS INC    COMMON STOCK     458144102       14     5900 SH       OTHER                  5900        0        0
INTERNATIONAL BUSINESS MACHINE COMMON STOCK     459200101     4473    40828 SH       DEFINED               20328        0    20500
INTERNATIONAL BUSINESS MACHINE COMMON STOCK     459200101     1254    11441 SH       OTHER                 11441        0        0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK     459506101       30     1000 SH       OTHER                     0        0     1000
INTERNATIONAL HOME FOODS INC   COMMON STOCK     459655106      322    15400 SH       DEFINED                   0        0    15400
INTERNATIONAL PAPER CO         COMMON STOCK     460146103      844    28307 SH       DEFINED               27600        0      707
INTERPUBLIC GROUP COS INC      COMMON STOCK     460690100       13      300 SH       DEFINED                 300        0        0
INTERSTATE BAKERIES CORP DEL N COMMON STOCK     46072H108       39     2800 SH       DEFINED                   0        0     2800
INTERSTATE BAKERIES CORP DEL N COMMON STOCK     46072H108        8      600 SH       OTHER                   600        0        0
INTERTAN INC.                  COMMON STOCK     461120107       55     4650 SH       DEFINED                   0        0     4650
INTERTRUST TECHNOLOGIES CORP   COMMON STOCK     46113Q109      240    11650 SH       DEFINED                   0        0    11650
INTERVOICE-BRITE INC           COMMON STOCK     461142101        7     1000 SH       DEFINED                1000        0        0
INTERVOICE-BRITE INC           COMMON STOCK     461142101        2      300 SH       OTHER                   300        0        0
INTERWOVEN INC                 COMMON STOCK     46114T102      352     3200 SH       DEFINED                   0        0     3200
INTUIT                         COMMON STOCK     461202103      261     6300 SH       DEFINED                   0        0     6300
IRELAND BK ADR                 COMMON STOCK     46267Q103        3      120 SH       DEFINED                   0        0      120
ISTAR FINANCIAL INC            COMMON STOCK     45031U101      106     5060 SH       DEFINED                   0        0     5060
ISTAR FINANCIAL INC            COMMON STOCK     45031U101       29     1400 SH       OTHER                  1400        0        0
ITT INDS INC IND               COMMON STOCK     450911102      325    10700 SH       DEFINED               10700        0        0
JACOBS ENGINEERING GROUP, INC. COMMON STOCK     469814107      157     4800 SH       DEFINED                   0        0     4800
JACOBS ENGINEERING GROUP, INC. COMMON STOCK     469814107       52     1600 SH       OTHER                  1600        0        0
JDS UNIPHASE CORP              COMMON STOCK     46612J101      935     7800 SH       DEFINED                1700        0     6100
JOHNSON & JOHNSON              COMMON STOCK     478160104     4386    43054 SH       DEFINED               17054        0    26000
JOHNSON & JOHNSON              COMMON STOCK     478160104     1946    19097 SH       OTHER                 19097        0        0
K MART CORP                    COMMON STOCK     482584109      190    27900 SH       DEFINED               27900        0        0
KANEB PIPE LINE PARTNERS, L P  COMMON STOCK     484169107       98     4000 SH       DEFINED                4000        0        0
KANSAS CITY SOUTHERN INDS, INC COMMON STOCK     485170104      701     7900 SH       DEFINED                3000        0     4900
KBK CAPITAL CORP               COMMON STOCK     482412103        9     2000 SH       OTHER                  2000        0        0
KEMPER MULTIMARKET INC. FND.   COMMON STOCK     48842B106      224    26110 SH       DEFINED               26110        0        0
KERR MCGEE CORP                COMMON STOCK     492386107        3       45 SH       DEFINED                  45        0        0
KERR MCGEE CORP                COMMON STOCK     492386107       13      221 SH       OTHER                   221        0        0
KEY ENERGY SERVICES INC.       COMMON STOCK     492914106       12     1250 SH       DEFINED                1250        0        0
KEYCORP NEW                    COMMON STOCK     493267108       56     3200 SH       DEFINED                   0        0     3200
KEYSPAN CORP                   COMMON STOCK     49337W100      864    28100 SH       DEFINED               28100        0        0
KIMBERLY CLARK CORP            COMMON STOCK     494368103     1291    22500 SH       DEFINED                 400        0    22100
KIMBERLY CLARK CORP            COMMON STOCK     494368103      333     5800 SH       OTHER                  5000        0      800
KIRBY CORP                     COMMON STOCK     497266106      801    37700 SH       DEFINED                   0        0    37700
KOHLS CORP                     COMMON STOCK     500255104      406     7300 SH       DEFINED                2800        0     4500
LAFARGE CORP                   COMMON STOCK     505862102      113     5400 SH       DEFINED                   0        0     5400
LAFARGE CORP                   COMMON STOCK     505862102       25     1200 SH       OTHER                  1200        0        0
LANDSTAR SYS INC               COMMON STOCK     515098101      197     3300 SH       DEFINED                   0        0     3300
LANDSTAR SYS INC               COMMON STOCK     515098101       42      700 SH       OTHER                   700        0        0
LAUDER ESTEE COS INC           COMMON STOCK     518439104      573    11600 SH       DEFINED                4400        0     7200
LEAR CORP                      COMMON STOCK     521865105       72     3600 SH       DEFINED                   0        0     3600
LEAR CORP                      COMMON STOCK     521865105       24     1200 SH       OTHER                  1200        0        0
LEE ENTERPRISES INC            COMMON STOCK     523768109       33     1400 SH       DEFINED                   0        0     1400
LEE ENTERPRISES INC            COMMON STOCK     523768109       12      500 SH       OTHER                   500        0        0
LEGG MASON INC                 COMMON STOCK     524901105      720    14400 SH       DEFINED                   0        0    14400
LEHMAN BROS HOLDINGS, INC      COMMON STOCK     524908100       47      500 SH       DEFINED                   0        0      500
LENNAR CORP                    COMMON STOCK     526057104      126     6200 SH       DEFINED                   0        0     6200
LENNAR CORP                    COMMON STOCK     526057104       32     1600 SH       OTHER                  1600        0        0
LEVEL 3 COMMUNICATIONS INC     COMMON STOCK     52729N100      185     2100 SH       DEFINED                   0        0     2100
LEXMARK INTERNATIONAL GROUP, I COMMON STOCK     529771107       22      334 SH       DEFINED                 134        0      200
LIBBEY INC                     COMMON STOCK     529898108       45     1400 SH       DEFINED                   0        0     1400
LIBBEY INC                     COMMON STOCK     529898108       10      300 SH       OTHER                   300        0        0
LIBERTY PPTY TR                COMMON STOCK     531172104       44     1700 SH       DEFINED                   0        0     1700
LIBERTY PPTY TR                COMMON STOCK     531172104       10      400 SH       OTHER                   400        0        0
LINCOLN NATL CORP              COMMON STOCK     534187109     1357    37572 SH       DEFINED                5472        0    32100
LINCOLN NATL CORP              COMMON STOCK     534187109      260     7200 SH       OTHER                  7200        0        0
LINDSAY MANUFACTURING CO.      COMMON STOCK     535555106       14      700 SH       OTHER                     0        0      700
LINEAR TECHNOLOGY CORP         COMMON STOCK     535678106       90     1400 SH       DEFINED                 800        0      600
LINEAR TECHNOLOGY CORP         COMMON STOCK     535678106       26      400 SH       OTHER                   400        0        0
LNR PPTY CORP                  COMMON STOCK     501940100       18      900 SH       DEFINED                   0        0      900
LNR PPTY CORP                  COMMON STOCK     501940100        4      200 SH       OTHER                   200        0        0
LOCKHEED MARTIN CORP           COMMON STOCK     539830109       47     1900 SH       OTHER                     0        0     1900
LOEWS CORP                     COMMON STOCK     540424108        9      150 SH       OTHER                   150        0        0
LONE STAR STEAKHOUSE SALOON    COMMON STOCK     542307103      235    23200 SH       DEFINED                   0        0    23200
LONGVIEW FIBRE CO              COMMON STOCK     543213102        8      700 SH       DEFINED                 700        0        0
LOUISIANA PAC CORP             COMMON STOCK     546347105        1      100 SH       DEFINED                 100        0        0
LOWE'S COMPANIES               COMMON STOCK     548661107     1334    32499 SH       DEFINED               25699        0     6800
LOWE'S COMPANIES               COMMON STOCK     548661107       57     1380 SH       OTHER                   380        0     1000
LSI LOGIC CORP                 COMMON STOCK     502161102       16      300 SH       DEFINED                   0        0      300
LUCENT TECHNOLOGIES, INC       COMMON STOCK     549463107     3825    64552 SH       DEFINED               28260        0    36292
LUCENT TECHNOLOGIES, INC       COMMON STOCK     549463107      684    11545 SH       OTHER                 11545        0        0
LYNX THERAPEUTICS INC          COMMON STOCK     551812308      637    13400 SH       DEFINED                   0        0    13400
LYONDELL CHEMICAL CO           COMMON STOCK     552078107      544    32500 SH       DEFINED               32500        0        0
MACERICH CO                    COMMON STOCK     554382101       40     1800 SH       DEFINED                   0        0     1800
MACERICH CO                    COMMON STOCK     554382101        9      400 SH       OTHER                   400        0        0
MACROMEDIA INC                 COMMON STOCK     556100105     1325    13700 SH       DEFINED                   0        0    13700
MALLINCKRODT, INC              COMMON STOCK     561232109        4      100 SH       DEFINED                   0        0      100
MANPOWER INC WIS               COMMON STOCK     56418H100      541    16900 SH       DEFINED                   0        0    16900
MANPOWER INC WIS               COMMON STOCK     56418H100      125     3900 SH       OTHER                  3900        0        0
MARCHFIRST INC                 COMMON STOCK     566244109      829    45400 SH       DEFINED                   0        0    45400
MARRIOTT INTL INC NEW CL A     COMMON STOCK     571903202      224     6200 SH       DEFINED                   0        0     6200
MARSH & MCLENNAN COS, INC      COMMON STOCK     571748102       52      500 SH       DEFINED                   0        0      500
MARSH & MCLENNAN COS, INC      COMMON STOCK     571748102       16      150 SH       OTHER                   150        0        0
MARTHA STEWART LIVING CL. A    COMMON STOCK     573083102        6      250 SH       DEFINED                 250        0        0
MASCO CORP                     COMMON STOCK     574599106       27     1500 SH       OTHER                     0        0     1500
MASCOTECH INC                  COMMON STOCK     574670105      451    41700 SH       DEFINED                   0        0    41700
MATTEL INC                     COMMON STOCK     577081102       36     2750 SH       DEFINED                2750        0        0
MAXIM INTEGRATED PRODUCTS, INC COMMON STOCK     57772K101      285     4200 SH       DEFINED                   0        0     4200
MAY DEPARTMENT STORES CO.      COMMON STOCK     577778103        4      150 SH       DEFINED                   0        0      150
MBIA, INC                      COMMON STOCK     55262C100      882    18300 SH       DEFINED               16800        0     1500
MBNA CORP                      COMMON STOCK     55262L100     1269    46792 SH       DEFINED               31142        0    15650
MBNA CORP                      COMMON STOCK     55262L100      330    12150 SH       OTHER                 12150        0        0
MCDONALDS CORP                 COMMON STOCK     580135101      921    27950 SH       DEFINED                4450        0    23500
MCDONALDS CORP                 COMMON STOCK     580135101       34     1025 SH       OTHER                   325        0      700
MCGRAW-HILL COMPANIES, INC     COMMON STOCK     580645109      407     7545 SH       DEFINED                5945        0     1600
MCGRAW-HILL COMPANIES, INC     COMMON STOCK     580645109      151     2800 SH       OTHER                  2800        0        0
MCKESSON HBOC INC              COMMON STOCK     58155Q103        4      180 SH       DEFINED                 180        0        0
MCLEODUSA INC                  COMMON STOCK     582266102      366    17700 SH       DEFINED                6700        0    11000
MEDIA METRIX INC               COMMON STOCK     58440X103       74     2900 SH       DEFINED                   0        0     2900
MEDIAONE GROUP, INC            COMMON STOCK     58440J104      144     2156 SH       DEFINED                1156        0     1000
MEDIAONE GROUP, INC            COMMON STOCK     58440J104       20      300 SH       OTHER                   300        0        0
MEDIMMUNE INC                  COMMON STOCK     584699102      414     5600 SH       DEFINED                2100        0     3500
MEDTRONIC, INC                 COMMON STOCK     585055106      381     7640 SH       DEFINED                2840        0     4800
MEDTRONIC, INC                 COMMON STOCK     585055106       29      575 SH       OTHER                   575        0        0
MELLON FINANCIAL CORP          COMMON STOCK     58551A108       18      500 SH       DEFINED                 500        0        0
MELLON FINANCIAL CORP          COMMON STOCK     58551A108       51     1400 SH       OTHER                   400        0     1000
MENS WEARHOUSE, INC            COMMON STOCK     587118100        8      337 SH       DEFINED                 337        0        0
MERCK & CO INC                 COMMON STOCK     589331107     6744    88017 SH       DEFINED               37817        0    50200
MERCK & CO INC                 COMMON STOCK     589331107       72      944 SH       OTHER                   944        0        0
MERRILL LYNCH & CO, INC        COMMON STOCK     590188108      267     2325 SH       DEFINED                1925        0      400
MERRILL LYNCH & CO, INC        COMMON STOCK     590188108       14      125 SH       OTHER                   125        0        0
METRICOM, INC                  COMMON STOCK     591596101       18      650 SH       OTHER                   650        0        0
METROMEDIA FIBER NETWORK INC   COMMON STOCK     591689104       33      834 SH       DEFINED                 234        0      600
METTLER-TOLEDO INTL INC        COMMON STOCK     592688105       72     1800 SH       DEFINED                   0        0     1800
METTLER-TOLEDO INTL INC        COMMON STOCK     592688105       12      300 SH       OTHER                   300        0        0
MGIC INVESTMENT CORPORATION    COMMON STOCK     552848103      475    10450 SH       DEFINED               10450        0        0
MICREL INC                     COMMON STOCK     594793101       43     1000 SH       DEFINED                   0        0     1000
MICRON TECHNOLOGY INC.         COMMON STOCK     595112103       35      400 SH       DEFINED                   0        0      400
MICROSOFT CORP                 COMMON STOCK     594918104     8441   105510 SH       DEFINED               24410        0    81100
MICROSOFT CORP                 COMMON STOCK     594918104       84     1055 SH       OTHER                   655        0      400
MIDCOAST ENERGY RES INC        COMMON STOCK     59563W104       28     1800 SH       DEFINED                   0        0     1800
MIDCOAST ENERGY RES INC        COMMON STOCK     59563W104       11      700 SH       OTHER                   700        0        0
MILLER HERMAN, INC             COMMON STOCK     600544100      849    32800 SH       DEFINED                   0        0    32800
MILLIPORE CORP                 COMMON STOCK     601073109       23      300 SH       DEFINED                 300        0        0
MINNESOTA MINING & MANUFACTURI COMMON STOCK     604059105      721     8737 SH       DEFINED                1737        0     7000
MINNESOTA MINING & MANUFACTURI COMMON STOCK     604059105      417     5050 SH       OTHER                  5050        0        0
MODERN MEDIA INC               COMMON STOCK     607533106      739    59400 SH       DEFINED                   0        0    59400
MOHAWK INDS INC                COMMON STOCK     608190104      104     4800 SH       DEFINED                   0        0     4800
MOHAWK INDS INC                COMMON STOCK     608190104       39     1800 SH       OTHER                  1800        0        0
MOLEX INC                      COMMON STOCK     608554101       24      500 SH       DEFINED                   0        0      500
MONTANA PWR CO                 COMMON STOCK     612085100       14      400 SH       DEFINED                   0        0      400
MORGAN J P & CO INC            COMMON STOCK     616880100      354     3219 SH       DEFINED                2619        0      600
MORGAN J P & CO INC            COMMON STOCK     616880100       44      400 SH       OTHER                   100        0      300
MORGAN STANLEY DEAN WITTER & C COMMON STOCK     617446448      882    10600 SH       DEFINED                3600        0     7000
MORRISON MANAGEMENT SPECIALIST COMMON STOCK     618459101      791    28050 SH       DEFINED                   0        0    28050
MOTOROLA, INC.                 COMMON STOCK     620076109     1112    38255 SH       DEFINED               18455        0    19800
MOTOROLA, INC.                 COMMON STOCK     620076109      295    10160 SH       OTHER                  8660        0     1500
MURPHY OIL CORP                COMMON STOCK     626717102       30      500 SH       OTHER                   500        0        0
NABISCO GROUP HLDG CORP        COMMON STOCK     62952P102      244     9400 SH       DEFINED                   0        0     9400
NASDAQ 100 TRUST               COMMON STOCK     631100104       37      400 SH       DEFINED                 400        0        0
NATIONAL CITY CORP             COMMON STOCK     635405103       51     3000 SH       DEFINED                   0        0     3000
NATIONAL DATA CORP             COMMON STOCK     635621105       37     1600 SH       DEFINED                   0        0     1600
NATIONAL DATA CORP             COMMON STOCK     635621105        9      400 SH       OTHER                   400        0        0
NATIONAL FUEL GAS COMPANY      COMMON STOCK     636180101      254     5200 SH       DEFINED                5200        0        0
NATIONAL FUEL GAS COMPANY      COMMON STOCK     636180101      244     5000 SH       OTHER                  5000        0        0
NATIONAL PWR PLC ADR           COMMON STOCK     637194408        4      150 SH       DEFINED                   0        0      150
NATIONAL-OILWELL INC           COMMON STOCK     637071101      191     5800 SH       DEFINED                   0        0     5800
NATIONAL-OILWELL INC           COMMON STOCK     637071101       46     1400 SH       OTHER                  1400        0        0
NATIONWIDE HEALTH PPTYS INC    COMMON STOCK     638620104        3      220 SH       DEFINED                 220        0        0
NBC INTERNET INC               COMMON STOCK     62873D105      381    30500 SH       DEFINED                   0        0    30500
NCR CORP                       COMMON STOCK     62886E108      132     3400 SH       DEFINED                   0        0     3400
NCR CORP                       COMMON STOCK     62886E108       35      906 SH       OTHER                   906        0        0
NEIMAN-MARCUS GROUP INC        COMMON STOCK     640204301       44     1600 SH       DEFINED                   0        0     1600
NEIMAN-MARCUS GROUP INC        COMMON STOCK     640204301       11      400 SH       OTHER                   400        0        0
NEIMAN-MARCUS GROUP INC CL A   COMMON STOCK     640204202       11      375 SH       DEFINED                 375        0        0
NETWORK APPLIANCE INC          COMMON STOCK     64120L104      644     8000 SH       DEFINED                1000        0     7000
NEW PLAN EXCEL REALTY TRUST    COMMON STOCK     648053106       20     1500 SH       OTHER                     0        0     1500
NEW YORK TIMES CO, CLASS A     COMMON STOCK     650111107      552    13985 SH       DEFINED                2785        0    11200
NEWELL RUBBERMAID INC          COMMON STOCK     651229106       10      400 SH       DEFINED                 400        0        0
NEXTEL COMMUNICATIONS, INC     COMMON STOCK     65332V103      563     9200 SH       DEFINED                3200        0     6000
NEXTLINK COMMUNICATIONS INC    COMMON STOCK     65333H707       38     1000 SH       DEFINED                   0        0     1000
NIKE, INC CLASS B              COMMON STOCK     654106103        6      150 SH       OTHER                     0        0      150
NORFOLK SOUTHERN CORP          COMMON STOCK     655844108       45     3000 SH       DEFINED                   0        0     3000
NORTH FORK BANCORPORATION INC  COMMON STOCK     659424105       98     6450 SH       DEFINED                   0        0     6450
NORTH FORK BANCORPORATION INC  COMMON STOCK     659424105       29     1900 SH       OTHER                  1900        0        0
NORTHEAST UTILS                COMMON STOCK     664397106      481    22100 SH       DEFINED               22100        0        0
NORTHERN TRUST CORP            COMMON STOCK     665859104       13      200 SH       OTHER                   200        0        0
NORTHROP GRUMMAN CORP          COMMON STOCK     666807102      139     2100 SH       DEFINED                   0        0     2100
NORTHROP GRUMMAN CORP          COMMON STOCK     666807102       40      600 SH       OTHER                   600        0        0
NORTHWEST NAT GAS CO           COMMON STOCK     667655104       76     3400 SH       DEFINED                   0        0     3400
NORTHWEST NAT GAS CO           COMMON STOCK     667655104       18      800 SH       OTHER                   800        0        0
NOVELL, INC                    COMMON STOCK     670006105        6      600 SH       DEFINED                   0        0      600
NOVELL, INC                    COMMON STOCK     670006105       19     2000 SH       OTHER                     0        0     2000
NTL INC                        COMMON STOCK     629407107      132     2200 SH       DEFINED                   0        0     2200
NUEVO ENERGY CO                COMMON STOCK     670509108      398    21100 SH       DEFINED                 600        0    20500
O I CORP                       COMMON STOCK     670841105        1      200 SH       OTHER                   200        0        0
OAK TECHNOLOGY INC             COMMON STOCK     671802106      175     8100 SH       DEFINED                   0        0     8100
OCCIDENTAL PETE CORP           COMMON STOCK     674599105     1485    70500 SH       DEFINED               70500        0        0
OLD SECOND BANCORP INC DEL     COMMON STOCK     680277100      386    18200 SH       OTHER                 18200        0        0
OMNICOM GROUP INC              COMMON STOCK     681919106       18      200 SH       DEFINED                   0        0      200
OPTI INC                       COMMON STOCK     683960108       29     5600 SH       DEFINED                   0        0     5600
ORACLE CORPORATION             COMMON STOCK     68389X105     5549    66010 SH       DEFINED               22610        0    43400
ORACLE CORPORATION             COMMON STOCK     68389X105      119     1415 SH       OTHER                  1415        0        0
OWENS CORNING                  COMMON STOCK     69073F103        3      320 SH       DEFINED                 320        0        0
OXFORD INDS INC                COMMON STOCK     691497309       58     3200 SH       DEFINED                   0        0     3200
OXFORD INDS INC                COMMON STOCK     691497309       23     1300 SH       OTHER                  1300        0        0
PACIFIC CENTURY FINANCIAL CORP COMMON STOCK     694058108       97     6600 SH       DEFINED                   0        0     6600
PACIFIC CENTURY FINANCIAL CORP COMMON STOCK     694058108       23     1600 SH       OTHER                  1600        0        0
PACTIV CORP                    COMMON STOCK     695257105      114    14525 SH       DEFINED               14525        0        0
PALL CORP                      COMMON STOCK     696429307      340    18400 SH       DEFINED               18400        0        0
PALM INC.                      COMMON STOCK     696642107        3      100 SH       DEFINED                 100        0        0
PARADIGM GENETICS INC          COMMON STOCK     69900R106       74     6100 SH       DEFINED                   0        0     6100
PARAMETRIC TECHNOLOGY CORP     COMMON STOCK     699173100      622    56500 SH       DEFINED                   0        0    56500
PARK PLACE ENTERTAINMENT CORP  COMMON STOCK     700690100       12     1000 SH       OTHER                  1000        0        0
PARKER DRILLING CO.            COMMON STOCK     701081101        6     1000 SH       DEFINED                1000        0        0
PARKER DRILLING CO.            COMMON STOCK     701081101       12     2000 SH       OTHER                  2000        0        0
PATTERSON ENERGY, INC          COMMON STOCK     703414102       34     1200 SH       DEFINED                1200        0        0
PE CORP BIOSYSTEMS GROUP       COMMON STOCK     69332S102       20      300 SH       DEFINED                   0        0      300
PE CORP COM CELLERA GENOMICS G COMMON STOCK     69332S201      892     9700 SH       DEFINED                   0        0     9700
PENN OCTANE CORP.              COMMON STOCK     707573101       14     2000 SH       OTHER                  2000        0        0
PENNEY J C INC                 COMMON STOCK     708160106        2      100 SH       OTHER                   100        0        0
PENNZOIL-QUAKER ST CO          COMMON STOCK     709323109        7      600 SH       OTHER                   600        0        0
PEOPLESOFT, INC                COMMON STOCK     712713106      837    49994 SH       DEFINED                   0        0    49994
PEPSICO, INC                   COMMON STOCK     713448108     3788    85236 SH       DEFINED               34736        0    50500
PEPSICO, INC                   COMMON STOCK     713448108      220     4949 SH       OTHER                  2749        0     2200
PFIZER, INC                    COMMON STOCK     717081103     9552   199007 SH       DEFINED               52832        0   146175
PFIZER, INC                    COMMON STOCK     717081103       85     1770 SH       OTHER                  1770        0        0
PHARMACIA CORP                 COMMON STOCK     71713U102     1299    25123 SH       DEFINED               14890        0    10233
PHILIP MORRIS COMPANIES, INC   COMMON STOCK     718154107     3032   114160 SH       DEFINED               60760        0    53400
PHILIP MORRIS COMPANIES, INC   COMMON STOCK     718154107      306    11525 SH       OTHER                  9725        0     1800
PHILLIPS PETE CO               COMMON STOCK     718507106     1490    29400 SH       DEFINED               29400        0        0
PHILLIPS PETE CO               COMMON STOCK     718507106       11      225 SH       OTHER                   225        0        0
PINNACLE WEST CAPITAL CORP.    COMMON STOCK     723484101      196     5800 SH       DEFINED                   0        0     5800
PINNACLE WEST CAPITAL CORP.    COMMON STOCK     723484101       30      900 SH       OTHER                   900        0        0
PITTSTON CO                    COMMON STOCK     725701106       49     3600 SH       DEFINED                   0        0     3600
PITTSTON CO                    COMMON STOCK     725701106       19     1400 SH       OTHER                  1400        0        0
PLAYTEX PRODS INC              COMMON STOCK     72813P100      294    26000 SH       DEFINED                   0        0    26000
PMC  SIERRA INC.               COMMON STOCK     69344F106      498     2800 SH       DEFINED                   0        0     2800
PNC FINANCIAL SERVICES GROUP   COMMON STOCK     693475105      919    19600 SH       DEFINED               19600        0        0
PNC FINANCIAL SERVICES GROUP   COMMON STOCK     693475105       28      600 SH       OTHER                     0        0      600
POTASH CORP SASK, INC          COMMON STOCK     73755L107        6      100 SH       DEFINED                 100        0        0
PPG INDS INC                   COMMON STOCK     693506107       58     1300 SH       DEFINED                 100        0     1200
PRIMARK CORP                   COMMON STOCK     741903108      499    13400 SH       DEFINED                   0        0    13400
PRIME HOSPITALITY CORP         COMMON STOCK     741917108      353    37400 SH       DEFINED                   0        0    37400
PROCTER & GAMBLE CO            COMMON STOCK     742718109     2499    43645 SH       DEFINED               18745        0    24900
PROCTER & GAMBLE CO            COMMON STOCK     742718109      601    10500 SH       OTHER                 10500        0        0
PRODIGY COMMUNICATIONS CORP CL COMMON STOCK     74283P206       21     2000 SH       DEFINED                2000        0        0
PROGRESSIVE CORP OHIO          COMMON STOCK     743315103       11      150 SH       OTHER                    75        0       75
PROLOGIS TRUST                 COMMON STOCK     743410102        6      272 SH       DEFINED                 272        0        0
PSS WORLD MED INC              COMMON STOCK     69366A100       46     6900 SH       DEFINED                   0        0     6900
PTEK HOLDINGS INC              COMMON STOCK     69366M104        3     1000 SH       DEFINED                1000        0        0
PUBLIC STORAGE INC             COMMON STOCK     74460D109        6      235 SH       DEFINED                 235        0        0
PUBLIC STORAGE INC DPSITRY SH  COMMON STOCK     74460D729        0        7 SH       DEFINED                   7        0        0
QLOGIC CORP                    COMMON STOCK     747277101       20      300 SH       DEFINED                   0        0      300
QUADRAMED CORP                 COMMON STOCK     74730W101       58    23200 SH       DEFINED                   0        0    23200
QUALCOMM INC                   COMMON STOCK     747525103     1104    18400 SH       DEFINED                1200        0    17200
QUESTAR CORP                   COMMON STOCK     748356102       70     3600 SH       DEFINED                   0        0     3600
QUESTAR CORP                   COMMON STOCK     748356102       19     1000 SH       OTHER                  1000        0        0
QUIKSILVER INC                 COMMON STOCK     74838C106      383    24600 SH       DEFINED                   0        0    24600
QWEST COMMUNICATIONS INTL, INC COMMON STOCK     749121109       12      232 SH       DEFINED                 232        0        0
R H DONNELLEY CORP             COMMON STOCK     74955W307      475    24500 SH       DEFINED                   0        0    24500
RADIOSHACK CORPORATION         COMMON STOCK     750438103      469     9900 SH       DEFINED                   0        0     9900
RAILAMERICA INC                COMMON STOCK     750753105      203    31900 SH       DEFINED                   0        0    31900
RAINMAKER SYSTEMS, INC         COMMON STOCK     750875106        3     1000 SH       DEFINED                1000        0        0
RALSTON PURINA CO              COMMON STOCK     751277302       16      800 SH       DEFINED                 800        0        0
RAYTHEON CO CL B               COMMON STOCK     755111408      160     8300 SH       DEFINED                8300        0        0
RAYTHEON CO-CLASS A            COMMON STOCK     755111309        0       11 SH       DEFINED                  11        0        0
RED HAT INC.                   COMMON STOCK     756577102       14      500 SH       DEFINED                 500        0        0
REGIONS FINL CORP              COMMON STOCK     758940100       44     2200 SH       DEFINED                   0        0     2200
RELIANT ENERGY INC.            COMMON STOCK     75952J108     1640    55473 SH       DEFINED               55473        0        0
RELIANT ENERGY INC.            COMMON STOCK     75952J108        9      300 SH       OTHER                   300        0        0
RELIASTAR FINANCIAL CORP       COMMON STOCK     75952U103      210     4000 SH       DEFINED                4000        0        0
REYNOLDS & REYNOLDS CO         COMMON STOCK     761695105       93     5100 SH       DEFINED                 100        0     5000
REYNOLDS & REYNOLDS CO         COMMON STOCK     761695105       22     1200 SH       OTHER                  1200        0        0
RGS ENERGY GROUP INC           COMMON STOCK     74956K104       38     1700 SH       DEFINED                   0        0     1700
RGS ENERGY GROUP INC           COMMON STOCK     74956K104        9      400 SH       OTHER                   400        0        0
RICHMOND CNTY FINL CORP        COMMON STOCK     764556106      283    14800 SH       DEFINED                   0        0    14800
ROBBINS & MYERS INC            COMMON STOCK     770196103      130     5700 SH       DEFINED                   0        0     5700
ROBBINS & MYERS INC            COMMON STOCK     770196103       30     1300 SH       OTHER                  1300        0        0
ROCKWELL INTERNATIONAL CORP    COMMON STOCK     773903109       35     1100 SH       DEFINED                   0        0     1100
ROHM & HAAS CO                 COMMON STOCK     775371107     1159    33600 SH       DEFINED                   0        0    33600
ROHM & HAAS CO                 COMMON STOCK     775371107      273     7900 SH       OTHER                  7900        0        0
RUSS BERRIE & CO INC           COMMON STOCK     782233100       37     1900 SH       DEFINED                   0        0     1900
RUSS BERRIE & CO INC           COMMON STOCK     782233100        8      400 SH       OTHER                   400        0        0
SAFEWAY INC                    COMMON STOCK     786514208      698    15500 SH       DEFINED                5900        0     9600
SAKS, INC                      COMMON STOCK     79377W108       82     7800 SH       OTHER                  7800        0        0
SANDISK CORP                   COMMON STOCK     80004C101      563     9200 SH       DEFINED                3500        0     5700
SARA LEE CORP                  COMMON STOCK     803111103      231    11965 SH       DEFINED               11965        0        0
SARA LEE CORP                  COMMON STOCK     803111103      583    30200 SH       OTHER                 30200        0        0
SBC COMMUNICATIONS, INC.       COMMON STOCK     78387G103     3612    83520 SH       DEFINED               75761        0     7759
SBC COMMUNICATIONS, INC.       COMMON STOCK     78387G103      567    13110 SH       OTHER                 13110        0        0
SCHEIN HENRY INC               COMMON STOCK     806407102      380    22000 SH       DEFINED                   0        0    22000
SCHERING PLOUGH CORP.          COMMON STOCK     806605101     2738    54220 SH       DEFINED               19920        0    34300
SCHERING PLOUGH CORP.          COMMON STOCK     806605101     2829    56015 SH       OTHER                 56015        0        0
SCHLUMBERGER LTD               COMMON STOCK     806857108     7767   104078 SH       DEFINED              104078        0        0
SCHLUMBERGER LTD               COMMON STOCK     806857108      315     4225 SH       OTHER                  4225        0        0
SCHWEITZER-MAUDUIT INTL INC    COMMON STOCK     808541106       33     2600 SH       DEFINED                   0        0     2600
SCHWEITZER-MAUDUIT INTL INC    COMMON STOCK     808541106       15     1200 SH       OTHER                  1200        0        0
SCOTTS CO                      COMMON STOCK     810186106       44     1200 SH       DEFINED                   0        0     1200
SCOTTS CO                      COMMON STOCK     810186106       18      500 SH       OTHER                   500        0        0
SDL INC                        COMMON STOCK     784076101      257      900 SH       DEFINED                   0        0      900
SEACOR HLDGS INC               COMMON STOCK     811904101      731    18900 SH       DEFINED                   0        0    18900
SEALED AIR CORP                COMMON STOCK     81211K100        6      107 SH       DEFINED                 107        0        0
SEARS ROEBUCK & CO             COMMON STOCK     812387108      868    26600 SH       DEFINED               26600        0        0
SERVICE CORP INTERNATIONAL     COMMON STOCK     817565104       20     6204 SH       DEFINED                6204        0        0
SERVICE CORP INTERNATIONAL     COMMON STOCK     817565104        1      200 SH       OTHER                     0        0      200
SHERWIN WILLIAMS CO            COMMON STOCK     824348106       11      530 SH       DEFINED                 530        0        0
SIEBEL SYS INC                 COMMON STOCK     826170102       33      200 SH       DEFINED                   0        0      200
SILICONIX INC                  COMMON STOCK     827079203       34      500 SH       DEFINED                   0        0      500
SIMON PROPERTY GROUP, INC.     COMMON STOCK     828806109      122     5500 SH       DEFINED                   0        0     5500
SIMON PROPERTY GROUP, INC.     COMMON STOCK     828806109       29     1300 SH       OTHER                  1300        0        0
SL GREEN RLTY CORP             COMMON STOCK     78440X101       59     2200 SH       DEFINED                   0        0     2200
SL GREEN RLTY CORP             COMMON STOCK     78440X101       11      400 SH       OTHER                   400        0        0
SLM HOLDING CORP               COMMON STOCK     78442A109       60     1600 SH       DEFINED                   0        0     1600
SMURFIT-STONE CONTAINER CORP.  COMMON STOCK     832727101       71     5520 SH       OTHER                  5520        0        0
SOLUTIA, INC                   COMMON STOCK     834376105        7      500 SH       DEFINED                 500        0        0
SONOCO PRODUCTS CO.            COMMON STOCK     835495102       84     4100 SH       DEFINED                   0        0     4100
SONOCO PRODUCTS CO.            COMMON STOCK     835495102       31     1500 SH       OTHER                  1500        0        0
SOTHEBYS HLDGS INC CL A        COMMON STOCK     835898107      669    38200 SH       DEFINED                   0        0    38200
SOUTHERN CO                    COMMON STOCK     842587107      501    21500 SH       DEFINED                   0        0    21500
SOUTHERN CO                    COMMON STOCK     842587107      136     5834 SH       OTHER                  5834        0        0
SOUTHWEST AIRLINES COMPANY     COMMON STOCK     844741108      168     8887 SH       DEFINED                8887        0        0
SOUTHWEST AIRLINES COMPANY     COMMON STOCK     844741108        6      337 SH       OTHER                   337        0        0
SOVEREIGN BANCORP INC          COMMON STOCK     845905108       78    11060 SH       DEFINED                   0        0    11060
SOVEREIGN BANCORP INC          COMMON STOCK     845905108       17     2400 SH       OTHER                  2400        0        0
SPDR TRUNIT 1 STANDARD & POORS COMMON STOCK     78462F103     2811    19350 SH       OTHER                     0        0    19350
SPINNAKER EXPLORATION CO       COMMON STOCK     84855W109       26     1000 SH       DEFINED                1000        0        0
SPRINT CORP (FON GROUP)        COMMON STOCK     852061100     1160    22750 SH       DEFINED                1550        0    21200
SPRINT CORP (FON GROUP)        COMMON STOCK     852061100       10      200 SH       OTHER                     0        0      200
SPRINT CORP (PCS GROUP)        COMMON STOCK     852061506     2093    35174 SH       DEFINED                 774        0    34400
SPSS INC                       COMMON STOCK     78462K102       41     1400 SH       DEFINED                   0        0     1400
SPSS INC                       COMMON STOCK     78462K102        9      300 SH       OTHER                   300        0        0
ST PAUL COS INC                COMMON STOCK     792860108      157     4600 SH       DEFINED                   0        0     4600
ST PAUL COS INC                COMMON STOCK     792860108       41     1200 SH       OTHER                  1200        0        0
STANDEX INTL CORP              COMMON STOCK     854231107       83     5200 SH       DEFINED                   0        0     5200
STANDEX INTL CORP              COMMON STOCK     854231107       17     1100 SH       OTHER                  1100        0        0
STARWOOD HOTELS & RESORTS WORL COMMON STOCK     85590A203      440    13500 SH       DEFINED                   0        0    13500
STATE STREET CORP              COMMON STOCK     857477103      530     5000 SH       DEFINED                 400        0     4600
STATE STREET CORP              COMMON STOCK     857477103       38      355 SH       OTHER                   255        0      100
STEIN MART INC                 COMMON STOCK     858375108     1132   110400 SH       DEFINED                   0        0   110400
STEWART ENTERPRISES, INC       COMMON STOCK     860370105        8     2200 SH       OTHER                     0        0     2200
SUMMIT BANCORP                 COMMON STOCK     866005101        6      225 SH       OTHER                   225        0        0
SUN MICROSYSTEMS, INC          COMMON STOCK     866810104     4229    46500 SH       DEFINED                9000        0    37500
SUN MICROSYSTEMS, INC          COMMON STOCK     866810104       18      200 SH       OTHER                   200        0        0
SUNBEAM CORPORATION            COMMON STOCK     867071102        7     2100 SH       DEFINED                2100        0        0
SUNBEAM CORPORATION            COMMON STOCK     867071102        1      400 SH       OTHER                   400        0        0
SUNOCO, INC.                   COMMON STOCK     86764P109       18      618 SH       DEFINED                 618        0        0
SUNOCO, INC.                   COMMON STOCK     86764P109       18      600 SH       OTHER                   600        0        0
SUNTRUST BANKS, INC            COMMON STOCK     867914103       23      500 SH       DEFINED                 500        0        0
SUNTRUST BANKS, INC            COMMON STOCK     867914103        7      150 SH       OTHER                   150        0        0
SUPERIOR CONSULTANT HLDGS CORP COMMON STOCK     868146101      191    40200 SH       DEFINED                   0        0    40200
SWIFT TRANSPORTATION CO.       COMMON STOCK     870756103        6      400 SH       DEFINED                 400        0        0
SYMANTEC CORP                  COMMON STOCK     871503108       59     1100 SH       DEFINED                   0        0     1100
SYSTEMS & COMPUTER TECHNOLOGY  COMMON STOCK     871873105      360    18000 SH       DEFINED                   0        0    18000
TALK COM INC                   COMMON STOCK     874264104      334    57500 SH       DEFINED                   0        0    57500
TANGER FACTORY OUTLET CTRS INC COMMON STOCK     875465106       40     1700 SH       DEFINED                   0        0     1700
TANGER FACTORY OUTLET CTRS INC COMMON STOCK     875465106        9      400 SH       OTHER                   400        0        0
TARGET CORPORATION             COMMON STOCK     87612E106      128     2200 SH       DEFINED                2050        0      150
TARGET CORPORATION             COMMON STOCK     87612E106        9      150 SH       OTHER                   150        0        0
TECHNOLOGY SOLUTIONS CO        COMMON STOCK     87872T108      367    59350 SH       DEFINED                   0        0    59350
TEKTRONIX INC                  COMMON STOCK     879131100      133     1800 SH       DEFINED                   0        0     1800
TELEDYNE TECHNOLOGIES INC      COMMON STOCK     879360105       40     2400 SH       DEFINED                   0        0     2400
TELLABS, INC                   COMMON STOCK     879664100       34      500 SH       DEFINED                   0        0      500
TENNECO AUTOMOTIVE INC         COMMON STOCK     880349105        2      325 SH       DEFINED                 325        0        0
TERADYNE INC                   COMMON STOCK     880770102       29      400 SH       DEFINED                   0        0      400
TEREX CORP NEW                 COMMON STOCK     880779103      218    15400 SH       DEFINED                   0        0    15400
TEXACO, INC                    COMMON STOCK     881694103     1671    31375 SH       DEFINED               31375        0        0
TEXACO, INC                    COMMON STOCK     881694103      107     2000 SH       OTHER                  2000        0        0
TEXAS INDUSTRIES, INC          COMMON STOCK     882491103       75     2600 SH       DEFINED                 200        0     2400
TEXAS INDUSTRIES, INC          COMMON STOCK     882491103       17      600 SH       OTHER                   600        0        0
TEXAS INSTRUMENTS, INC.        COMMON STOCK     882508104     4434    64560 SH       DEFINED               24260        0    40300
TEXAS INSTRUMENTS, INC.        COMMON STOCK     882508104       45      650 SH       OTHER                   650        0        0
TEXTRON INC                    COMMON STOCK     883203101      706    13000 SH       DEFINED                   0        0    13000
TEXTRON INC                    COMMON STOCK     883203101      175     3225 SH       OTHER                  3225        0        0
THOMAS & BETTS CORP            COMMON STOCK     884315102      113     5900 SH       DEFINED                   0        0     5900
THOMAS & BETTS CORP            COMMON STOCK     884315102       10      500 SH       OTHER                     0        0      500
TIDEWATER, INC                 COMMON STOCK     886423102       23      650 SH       DEFINED                 150        0      500
TIME WARNER, INC               COMMON STOCK     887315109     3729    49070 SH       DEFINED               11770        0    37300
TIME WARNER, INC               COMMON STOCK     887315109       15      200 SH       OTHER                   200        0        0
TJX COMPANIES, INC             COMMON STOCK     872540109       90     4800 SH       DEFINED                4800        0        0
TORCHMARK CORP                 COMMON STOCK     891027104        5      200 SH       DEFINED                   0        0      200
TOYS R US, INC                 COMMON STOCK     892335100      960    65900 SH       DEFINED               65900        0        0
TOYS R US, INC                 COMMON STOCK     892335100        2      162 SH       OTHER                   162        0        0
TRANS WORLD ENTMT CORP         COMMON STOCK     89336Q100      581    47900 SH       DEFINED                   0        0    47900
TRAVELOCITY.COM INC            COMMON STOCK     893953109      162     9900 SH       DEFINED                   0        0     9900
TRI-CONTINENTAL CORP (TY)      COMMON STOCK     895436103       90     3545 SH       OTHER                  3545        0        0
TRIBUNE CO                     COMMON STOCK     896047107        5      150 SH       OTHER                   150        0        0
TRICON GLOBAL RESTAURANTS, INC COMMON STOCK     895953107       14      500 SH       DEFINED                   0        0      500
TRICON GLOBAL RESTAURANTS, INC COMMON STOCK     895953107       51     1800 SH       OTHER                     0        0     1800
TRIDENT MICROSYSTEMS INC       COMMON STOCK     895919108       87     9700 SH       DEFINED                   0        0     9700
TRITON ENERGY LTD              COMMON STOCK     G90751101      295     7500 SH       DEFINED                7500        0        0
TRUE NORTH COMMUNICATIONS INC  COMMON STOCK     897844106      937    21300 SH       DEFINED                   0        0    21300
TRW INC                        COMMON STOCK     872649108      442    10200 SH       DEFINED               10200        0        0
TV GUIDE INC CL A              COMMON STOCK     87307Q109      521    15200 SH       DEFINED                   0        0    15200
TXU CORP                       COMMON STOCK     873168108       27      930 SH       DEFINED                 930        0        0
TXU CORP                       COMMON STOCK     873168108       44     1500 SH       OTHER                  1500        0        0
TYCO INTERNATIONAL LTD         COMMON STOCK     902124106       58     1234 SH       DEFINED                1234        0        0
TYCO INTERNATIONAL LTD         COMMON STOCK     902124106      310     6546 SH       OTHER                  6546        0        0
U S CONCRETE INC               COMMON STOCK     90333L102       90    11200 SH       DEFINED                   0        0    11200
U S WEST, INC (NEW)            COMMON STOCK     91273H101      162     1887 SH       DEFINED                1187        0      700
U S WEST, INC (NEW)            COMMON STOCK     91273H101      127     1485 SH       OTHER                  1485        0        0
ULTRAMAR DIAMOND SHAMROCK CORP COMMON STOCK     904000106      163     6550 SH       DEFINED                 550        0     6000
ULTRAMAR DIAMOND SHAMROCK CORP COMMON STOCK     904000106       32     1300 SH       OTHER                  1300        0        0
UNICOM CORP                    COMMON STOCK     904911104      259     6700 SH       DEFINED                6700        0        0
UNION PACIFIC CORP             COMMON STOCK     907818108        7      200 SH       DEFINED                 200        0        0
UNITED PARCEL SERVICE CL B     COMMON STOCK     911312106       12      200 SH       DEFINED                   0        0      200
UNITED RETAIL GROUP INC        COMMON STOCK     911380103      201    23600 SH       DEFINED                   0        0    23600
UNITED TECHNOLOGIES CORP       COMMON STOCK     913017109       67     1140 SH       DEFINED                1140        0        0
UNITED TECHNOLOGIES CORP       COMMON STOCK     913017109        7      125 SH       OTHER                   125        0        0
UNITEDGLOBALCOM                COMMON STOCK     913247508       94     2000 SH       DEFINED                   0        0     2000
UNIVERSAL FOODS CORP           COMMON STOCK     913538104      318    17200 SH       DEFINED                   0        0    17200
UNIVERSAL FOODS CORP           COMMON STOCK     913538104       72     3900 SH       OTHER                  3900        0        0
UNIVISION COMMUNICATIONS INC   COMMON STOCK     914906102      166     1600 SH       DEFINED                   0        0     1600
UNOCAL CORP                    COMMON STOCK     915289102       13      400 SH       DEFINED                 400        0        0
US AIRWAYS GROUP INC           COMMON STOCK     911905107       59     1500 SH       DEFINED                   0        0     1500
UST, INC                       COMMON STOCK     902911106      664    45200 SH       DEFINED               45200        0        0
UST, INC                       COMMON STOCK     902911106        9      600 SH       OTHER                     0        0      600
USX-MARATHON GROUP             COMMON STOCK     902905827        3      100 SH       DEFINED                 100        0        0
USX-MARATHON GROUP             COMMON STOCK     902905827      125     5000 SH       OTHER                  5000        0        0
VALUEVISION INT'L. CLASS A     COMMON STOCK     92047K107        8      350 SH       DEFINED                 350        0        0
VARIAN INC                     COMMON STOCK     922206107       78     1700 SH       DEFINED                   0        0     1700
VARIAN INC                     COMMON STOCK     922206107       18      400 SH       OTHER                   400        0        0
VARIAN MED SYS INC             COMMON STOCK     92220P105       74     1900 SH       DEFINED                   0        0     1900
VARIAN MED SYS INC             COMMON STOCK     92220P105        8      200 SH       OTHER                   200        0        0
VECTRON CORP                   COMMON STOCK     92240G101       49     2865 SH       DEFINED                 599        0     2266
VECTRON CORP                   COMMON STOCK     92240G101        9      533 SH       OTHER                   533        0        0
VENTAS INC                     COMMON STOCK     92276F100      393   123300 SH       DEFINED                   0        0   123300
VERISIGN INC                   COMMON STOCK     92343E102     2053    11630 SH       DEFINED                 900        0    10730
VERITAS DGC INC                COMMON STOCK     92343P107      777    29900 SH       DEFINED                   0        0    29900
VERITAS SOFTWARE CORP          COMMON STOCK     923436109      791     7000 SH       DEFINED                   0        0     7000
VIACOM, INC                    COMMON STOCK     925524308     3456    50686 SH       DEFINED                5533        0    45153
VIAD CORP                      COMMON STOCK     92552R109       14      504 SH       DEFINED                 504        0        0
VISHAY INTERTECHNOLOGY INC     COMMON STOCK     928298108       98     2587 SH       DEFINED                2587        0        0
VOICESTREAM WIRELESS CORP      COMMON STOCK     928615103       35      300 SH       DEFINED                   0        0      300
WACHOVIA CORP.                 COMMON STOCK     929771103     1090    20100 SH       DEFINED                   0        0    20100
WACHOVIA CORP.                 COMMON STOCK     929771103      277     5100 SH       OTHER                  4700        0      400
WAL-MART STORES, INC           COMMON STOCK     931142103     4889    84844 SH       DEFINED               37844        0    47000
WAL-MART STORES, INC           COMMON STOCK     931142103     2456    42620 SH       OTHER                 42620        0        0
WALGREEN CO                    COMMON STOCK     931422109     1632    50700 SH       DEFINED                1200        0    49500
WALLACE COMPUTER SERVICES, INC COMMON STOCK     932270101        4      400 SH       DEFINED                 400        0        0
WARNACO GROUP, INC CLASS A     COMMON STOCK     934390105       31     3970 SH       DEFINED                   0        0     3970
WASHINGTON MUTUAL, INC         COMMON STOCK     939322103     2122    73500 SH       DEFINED               30900        0    42600
WASHINGTON MUTUAL, INC         COMMON STOCK     939322103      286     9900 SH       OTHER                  9900        0        0
WASHINGTON POST CO, CLASS B    COMMON STOCK     939640108      239      500 SH       OTHER                   500        0        0
WASTE MANAGEMENT, INC          COMMON STOCK     94106L109     1655    87100 SH       DEFINED               86100        0     1000
WEATHERFORD INTL, INC          COMMON STOCK     947074100       24      600 SH       OTHER                     0        0      600
WELLS FARGO & CO               COMMON STOCK     949746101       98     2537 SH       DEFINED                 237        0     2300
WENDYS INTERNATIONAL, INC.     COMMON STOCK     950590109     1229    69000 SH       DEFINED               62100        0     6900
WENDYS INTERNATIONAL, INC.     COMMON STOCK     950590109       30     1700 SH       OTHER                  1700        0        0
WERNER ENTERPRISES INC         COMMON STOCK     950755108       91     7850 SH       DEFINED                   0        0     7850
WERNER ENTERPRISES INC         COMMON STOCK     950755108       25     2200 SH       OTHER                  2200        0        0
WEYERHAEUSER CO                COMMON STOCK     962166104       15      350 SH       DEFINED                 350        0        0
WEYERHAEUSER CO                COMMON STOCK     962166104       10      225 SH       OTHER                   225        0        0
WHIRLPOOL CORP                 COMMON STOCK     963320106     1688    36200 SH       DEFINED               15300        0    20900
WHIRLPOOL CORP                 COMMON STOCK     963320106      228     4900 SH       OTHER                  4900        0        0
WHITMAN CORP NEW               COMMON STOCK     96647R107       80     6500 SH       DEFINED                6500        0        0
WHOLE FOODS MARKET, INC.       COMMON STOCK     966837106       14      350 SH       OTHER                   350        0        0
WHX CORP                       COMMON STOCK     929248102       90    16300 SH       DEFINED                   0        0    16300
WILEY JOHN & SONS INC          COMMON STOCK     968223206     1037    46100 SH       DEFINED                   0        0    46100
WILLIAMS COS, INC              COMMON STOCK     969457100      817    19600 SH       DEFINED                5600        0    14000
WILLIAMS COS, INC              COMMON STOCK     969457100      138     3300 SH       OTHER                  3300        0        0
WORLDCOM, INC                  COMMON STOCK     98157D106      951    20734 SH       DEFINED               10684        0    10050
WORLDCOM, INC                  COMMON STOCK     98157D106      179     3900 SH       OTHER                  2700        0     1200
WRIGLEY WM JR CO               COMMON STOCK     982526105      730     9100 SH       DEFINED                   0        0     9100
WRIGLEY WM JR CO               COMMON STOCK     982526105        8      100 SH       OTHER                   100        0        0
XEROX CORP                     COMMON STOCK     984121103       21     1000 SH       DEFINED                   0        0     1000
XEROX CORP                     COMMON STOCK     984121103       86     4150 SH       OTHER                  4150        0        0
XILINX INC                     COMMON STOCK     983919101      751     9100 SH       DEFINED                   0        0     9100
YAHOO!INC.                     COMMON STOCK     984332106     1028     8300 SH       DEFINED                   0        0     8300
YAHOO!INC.                     COMMON STOCK     984332106        4       32 SH       OTHER                    32        0        0
ZEBRA TECHNOLOGIES CORP        COMMON STOCK     989207105      346     7800 SH       DEFINED                   0        0     7800
3COM CORP                      COMMON STOCK     885535104       23      400 SH       DEFINED                   0        0      400
ALCATEL ALSTHOM ADR            COMMON STOCK     013904305        6       90 SH       DEFINED                   0        0       90
ALCATEL ALSTHOM ADR            COMMON STOCK     013904305       33      500 SH       OTHER                   500        0        0
BANCO BILBAO VIZCAYA ARGENTARI COMMON STOCK     05946K101        3      233 SH       DEFINED                   0        0      233
BASF AG LEVEL I ADR NEW        COMMON STOCK     055262505        4       90 SH       DEFINED                   0        0       90
BP AMOCO P L C                 COMMON STOCK     055622104     1098    19415 SH       DEFINED               16215        0     3200
BP AMOCO P L C                 COMMON STOCK     055622104      464     8200 SH       OTHER                  8200        0        0
CADBURY SCHWEPPES P L C        COMMON STOCK     127209302        6      240 SH       DEFINED                   0        0      240
COMPANHIA CERVEJARIA BRAHMA    COMMON STOCK     20440X103        5      290 SH       DEFINED                   0        0      290
COMPANIA ANONIMA NACIONAL TELE COMMON STOCK     204421101        4      140 SH       DEFINED                   0        0      140
CORUS GROUP PLC-SPONS ADR      COMMON STOCK     22087M101        2      170 SH       DEFINED                   0        0      170
DAIMLERCHRYSLER AG             COMMON STOCK     D1668R123        7      140 SH       DEFINED                   0        0      140
DE BEERS CONS MINES LTD        COMMON STOCK     240253302        4      170 SH       DEFINED                   0        0      170
DEUTSCHE TELEKOM AG ADR        COMMON STOCK     251566105        3       60 SH       DEFINED                   0        0       60
DIAGEO PLC, ADR                COMMON STOCK     25243Q205        6      168 SH       DEFINED                   0        0      168
ENI S P A  ADR                 COMMON STOCK     26874R108       10      170 SH       DEFINED                   0        0      170
ERICSSON L M TEL CO            COMMON STOCK     294821400       77     3840 SH       DEFINED                3840        0        0
GALLAHER GROUP PLC-ADR         COMMON STOCK     363595109        6      300 SH       DEFINED                 300        0        0
GALLAHER GROUP PLC-ADR         COMMON STOCK     363595109       21     1000 SH       OTHER                  1000        0        0
HITACHI LTD                    COMMON STOCK     433578507       10       70 SH       DEFINED                   0        0       70
HSBC HOLDINGS PLS, ADR         COMMON STOCK     404280406       10      180 SH       DEFINED                   0        0      180
IMPERIAL CHEM INDS PLC         COMMON STOCK     452704505        3      110 SH       DEFINED                   0        0      110
IMPERIAL TOB GROUP PLC         COMMON STOCK     453142101        1       75 SH       OTHER                    75        0        0
ING GROEP N.V. ADR             COMMON STOCK     456837103       10      142 SH       DEFINED                   0        0      142
KOREA ELEC PWR CORP            COMMON STOCK     500631106        4      230 SH       DEFINED                   0        0      230
MATSUSHITA ELEC INDUSTRIAL, AD COMMON STOCK     576879209        5       20 SH       DEFINED                   0        0       20
MILLENNIUM CHEMICALS INC       COMMON STOCK     599903101      328    19300 SH       DEFINED               19300        0        0
NEWS CORP LTD, ADR             COMMON STOCK     652487703      109     2000 SH       DEFINED                   0        0     2000
NEWS CORP LTD, ADR PFD         COMMON STOCK     652487802       48     1000 SH       DEFINED                   0        0     1000
NOKIA CORP                     COMMON STOCK     654902204       20      400 SH       DEFINED                 400        0        0
NOKIA CORP                     COMMON STOCK     654902204       10      200 SH       OTHER                   200        0        0
NORTEL NETWORKS CORP NEW       COMMON STOCK     656568102       34      500 SH       OTHER                   500        0        0
PORTUGAL TELECOM S A, ADR      COMMON STOCK     737273102        6      550 SH       DEFINED                   0        0      550
ROYAL DUTCH PETROLEUM CO, NYS  COMMON STOCK     780257804      217     3526 SH       DEFINED                 358        0     3168
ROYAL DUTCH PETROLEUM CO, NYS  COMMON STOCK     780257804       25      404 SH       OTHER                   404        0        0
SHELL TRANSPORT & TRADING-ADR  COMMON STOCK     822703609       30      600 SH       DEFINED                 600        0        0
SUN LIFE FINL SVCS CDA INC     COMMON STOCK     866796105      442    26200 SH       DEFINED               26200        0        0
TELE CENTRO SUL PARTICIPACOES  COMMON STOCK     879239101        1       20 SH       DEFINED                   0        0       20
TELECOM CORP NEW ZEALAND LTD A COMMON STOCK     879278208        4      140 SH       DEFINED                   0        0      140
TELECOM ITALIA SPA, ADR        COMMON STOCK     87927W106        3       20 SH       DEFINED                   0        0       20
TELEFONOS DE MEXICO S A, ADR   COMMON STOCK     879403780        8      140 SH       DEFINED                   0        0      140
TOKIO MARINE & FIRE INSURANCE, COMMON STOCK     889090403       10      170 SH       DEFINED                   0        0      170
TOTAL FINA ELF S A ADR         COMMON STOCK     89151E109        9      116 SH       DEFINED                   0        0      116
TRANSOCEAN SEDCO FOREX INC     COMMON STOCK     G90078109     1237    23147 SH       DEFINED               23147        0        0
TRANSOCEAN SEDCO FOREX INC     COMMON STOCK     G90078109       44      817 SH       OTHER                   817        0        0
UNILEVER PLC ADR               COMMON STOCK     904767704        7      280 SH       DEFINED                   0        0      280
VODAFONE AIRTOUCH PUBLIC LTD A COMMON STOCK     92857T107      147     3550 SH       DEFINED                3550        0        0
KMART FING I PFD 7.750%        PREFERRED STOCK  498778208       33      900 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.
SEALED AIR CORP PFD SER A      PREFERRED STOCK  81211K209       35      700 SH       OTHER               N.A.     N.A.     N.A.
E TOWN CORP          6.750%  2 OTHER            269242AA1       83    50000 PRN      DEFINED             N.A.     N.A.     N.A.
AMERICAN STRATEGIC INC III FD  OTHER            03009T101       11     1000 SH       DEFINED             N.A.     N.A.     N.A.
CNA INCOME SHARES (CNN)        OTHER            126119106       74     9135 SH       OTHER               N.A.     N.A.     N.A.
MEXICO FUND (MXF)              OTHER            592835102       98     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       31     1755 SH       DEFINED             N.A.     N.A.     N.A.
INSURED MUNI INCOME FUND (PIF) OTHER            45809F104        8      700 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN INS MUNI OPPORTUNITY FD OTHER            670984103       13     1000 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN INSD PREM INCOME MUN FD OTHER            6706D8104        7      666 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN PERFORMANCE + MUNI FD ( OTHER            67062P108        3      210 SH       DEFINED             N.A.     N.A.     N.A.
HALLWOOD REALTY PARTNERS       OTHER            40636T203        2       45 SH       DEFINED             N.A.     N.A.     N.A.
ACM GOVT SECS FUND (GSF)       OTHER            000914101       57     8200 SH       OTHER               N.A.     N.A.     N.A.
CREDIT SUISSE ASSET MGMT FUND  OTHER            224916106       32     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.
FORTIS SECURITIES (FOR)        OTHER            34955T100        1      200 SH       OTHER               N.A.     N.A.     N.A.
PACIFIC AMER INC SHARES (PAI)  OTHER            693796104       13     1000 SH       DEFINED             N.A.     N.A.     N.A.
PUTNAM PREMIER INCOME TR(PPT)  OTHER            746853100       49     7750 SH       OTHER               N.A.     N.A.     N.A.
USLIFE INCOME FUND (UIF)       OTHER            917324105       13     1553 SH       DEFINED             N.A.     N.A.     N.A.
</TABLE>


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