UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 6/30/99
CHECK HERE IF AMENDMENT ( ); AMENDMENT NUMBER:
THIS AMENDMENT (CHECK ONLY ONE.): ( ) IS A RESTATEMENT.
( ) ADDS NEW HOLDINGS ENTRIES
INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT:
NAME: The Trust Co. Of Oklahoma
ADDRESS: 5727 South Lewis Avenue
Tulsa, OK 74105
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: Karen Perkins
TITLE: Vice President and Controller
PHONE: (918)744-0553
SIGNATURE,PLACE,AND DATE OF SIGNING:
Karen Perkins Tulsa, OK 7/3/99
REPORT TYPE (CHECK ONLY ONE.):
( X) 13F HOLDINGS REPORT
( ) 13F NOTICE
( ) 13F COMBINATION REPORT
LIST OF OTHER MANAGERS REPORTING FOR THIS MANAGER:
NONE
I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE ACT OF 1934.
<PAGE>
FORM 13F SUMMARY PAGE
REPORT SUMMARY:
NUMBER OF OTHER INCLUDED MANAGERS: 0
FORM 13F INFORMATION TABLE ENTRY TOTAL: 804
FORM 13F INFORMATION TABLE VALUE TOTAL: $431,024
<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
- ------------------------------ ---------------- --------- -------- -------- ---
- ---- ------- ------------ -------- -------- --------
AAON COMMON STOCK 000360206 29 2549 SH
DEFINED 2549 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 5955 131232 SH
DEFINED 129897 0 1335
ABBOTT LABORATORIES COMMON STOCK 002824100 1271 28020 SH
OTHER 28020 0 0
ACNIELSEN COMMON STOCK 004833109 6 208 SH
DEFINED 208 0 0
ACXIOM COMMON STOCK 005125109 766 30700 SH
DEFINED 30300 0 400
ACXIOM COMMON STOCK 005125109 70 2800 SH
OTHER 2800 0 0
ADAMS GOLF COMMON STOCK 006228100 3 1000 SH
OTHER 1000 0 0
ADDVANTAGE MEDIA GROUP COMMON STOCK 006743306 1 1795 SH
DEFINED 1795 0 0
ADVANCED ENERGY COMMON STOCK 007973100 80 1971 SH
OTHER 1971 0 0
AETNA COMMON STOCK 008117103 36 400 SH
DEFINED 400 0 0
AFLAC COMMON STOCK 001055102 575 12000 SH
DEFINED 12000 0 0
AGL RESOURCES COMMON STOCK 001204106 9 480 SH
DEFINED 480 0 0
AIR PRODUCTS & CHEMICALS COMMON STOCK 009158106 13 320 SH
DEFINED 320 0 0
AIRBORNE FREIGHT COMMON STOCK 009266107 19 700 SH
DEFINED 700 0 0
AIRTOUCH COMMUNICATIONS COMMON STOCK 00949T100 132 1191 SH
DEFINED 1191 0 0
AIRTOUCH COMMUNICATIONS COMMON STOCK 00949T100 50 452 SH
OTHER 0 0 452
ALBERTSONS COMMON STOCK 013104104 202 3916 SH
DEFINED 3916 0 0
ALBERTSONS COMMON STOCK 013104104 196 3800 SH
OTHER 3800 0 0
ALCOA COMMON STOCK 013817101 25 400 SH
DEFINED 400 0 0
ALLEGHENY ENERGY COMMON STOCK 017361106 15 468 SH
DEFINED 468 0 0
ALLERGAN COMMON STOCK 018490102 189 1700 SH
DEFINED 1700 0 0
ALLERGAN COMMON STOCK 018490102 511 4600 SH
OTHER 4600 0 0
ALLERGAN SPECIALTY THERAPEUTIC COMMON STOCK 018494104 1 105 SH
OTHER 105 0 0
ALLIANT COMMON STOCK 018802108 11 400 SH
DEFINED 400 0 0
ALLSTATE COMMON STOCK 020002101 439 12240 SH
DEFINED 12240 0 0
ALLSTATE COMMON STOCK 020002101 27 740 SH
OTHER 740 0 0
ALLTEL COMMON STOCK 020039103 35 483 SH
DEFINED 483 0 0
ALLTEL COMMON STOCK 020039103 21 296 SH
OTHER 296 0 0
AMEREN COMMON STOCK 023608102 93 2425 SH
DEFINED 2425 0 0
AMERICA ONLINE COMMON STOCK 02364J104 91 825 SH
DEFINED 825 0 0
AMERICAN ELECTRIC POWER COMMON STOCK 025537101 48 1285 SH
DEFINED 1285 0 0
AMERICAN ELECTRIC POWER COMMON STOCK 025537101 4 112 SH
OTHER 0 0 112
AMERICAN EXPRESS COMMON STOCK 025816109 117 900 SH
DEFINED 900 0 0
AMERICAN GENERAL COMMON STOCK 026351106 227 3012 SH
DEFINED 3012 0 0
AMERICAN GREETINGS COMMON STOCK 026375105 21 700 SH
DEFINED 700 0 0
AMERICAN HOME PRODUCTS COMMON STOCK 026609107 624 10875 SH
DEFINED 10875 0 0
AMERICAN HOME PRODUCTS COMMON STOCK 026609107 172 3000 SH
OTHER 3000 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874107 10188 86891 SH
DEFINED 86741 0 150
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874107 2003 17079 SH
OTHER 17079 0 0
AMERICAN MEDICAL SECURITY GROU COMMON STOCK 02744P101 79 9200 SH
DEFINED 9200 0 0
AMERICAN WATER WORKS COMMON STOCK 030411102 18 600 SH
OTHER 600 0 0
AMERITECH COMMON STOCK 030954101 1366 18584 SH
DEFINED 18584 0 0
AMERITECH COMMON STOCK 030954101 659 8968 SH
OTHER 6712 0 2256
AMERITRADE HLDG CORP CL A COMMON STOCK 03072H109 11 100 SH
DEFINED 100 0 0
AMETEK COMMON STOCK 031100100 18 800 SH
DEFINED 800 0 0
AMGEN COMMON STOCK 031162100 100 1650 SH
DEFINED 1650 0 0
AMGEN COMMON STOCK 031162100 6 100 SH
OTHER 100 0 0
AMLI RESIDENTIAL PRPERTIES TRU COMMON STOCK 001735109 22 1000 SH
DEFINED 1000 0 0
ANADARKO PET COMMON STOCK 032511107 74 2022 SH
DEFINED 2022 0 0
ANGLO AMERICAN PLC ADR COMMON STOCK 03485P102 11 220 SH
OTHER 220 0 0
ANGLOGOLD LTD COMMON STOCK 035128206 34 1561 SH
OTHER 1561 0 0
ANHEUSER BUSCH COMMON STOCK 035229103 19 266 SH
DEFINED 266 0 0
AON COMMON STOCK 037389103 33 795 SH
DEFINED 795 0 0
APACHE COMMON STOCK 037411105 20 500 SH
DEFINED 500 0 0
APPLE COMPUTER COMMON STOCK 037833100 23 500 SH
DEFINED 500 0 0
APPLIED DIGITAL ACCESS INC COMMON STOCK 038181103 4 900 SH
DEFINED 900 0 0
APPLIED MATERIALS COMMON STOCK 038222105 43 580 SH
DEFINED 580 0 0
ARCHER DANIELS MIDLAND COMMON STOCK 039483102 81 5275 SH
DEFINED 5275 0 0
ARCHER DANIELS MIDLAND COMMON STOCK 039483102 174 11276 SH
OTHER 11276 0 0
ARROW ELECTRONICS COMMON STOCK 042735100 76 4000 SH
DEFINED 4000 0 0
ASHLAND COMMON STOCK 044204105 17 412 SH
DEFINED 412 0 0
ASSOCIATES FIRST CAPITAL COMMON STOCK 046008108 228 5172 SH
DEFINED 5172 0 0
ASSOCIATES FIRST CAPITAL COMMON STOCK 046008108 28 640 SH
OTHER 640 0 0
AT&T COMMON STOCK 001957109 3210 57522 SH
DEFINED 56906 0 616
AT&T COMMON STOCK 001957109 541 9687 SH
OTHER 6867 0 2820
AT&T LIBERTY MEDIA GROUP COMMON STOCK 001957208 56 1514 SH
DEFINED 1514 0 0
ATLANTIC RICHFIELD COMMON STOCK 048825103 2479 29672 SH
DEFINED 29642 0 30
ATLANTIC RICHFIELD COMMON STOCK 048825103 529 6327 SH
OTHER 5895 0 432
ATMEL COMMON STOCK 049513104 10 400 SH
DEFINED 400 0 0
ATMOS ENERGY COMMON STOCK 049560105 25 1000 SH
DEFINED 1000 0 0
ATRIX LABS INC COMMON STOCK 04962L101 2 200 SH
DEFINED 200 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 4817 109474 SH
DEFINED 107594 0 1880
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 563 12790 SH
OTHER 12790 0 0
AUTONATION COMMON STOCK 05329W102 53 3000 SH
DEFINED 3000 0 0
AVON PRODUCTS COMMON STOCK 054303102 33 600 SH
DEFINED 600 0 0
AVON PRODUCTS COMMON STOCK 054303102 111 2000 SH
OTHER 2000 0 0
BAKER HUGHES COMMON STOCK 057224107 3 100 SH
DEFINED 100 0 0
BAKER HUGHES COMMON STOCK 057224107 41 1238 SH
OTHER 1238 0 0
BALDOR ELECTRIC COMMON STOCK 057741100 4 200 SH
DEFINED 200 0 0
BANK OF AMERICA COMMON STOCK 060505104 560 7639 SH
DEFINED 7639 0 0
BANK OF AMERICA COMMON STOCK 060505104 1287 17556 SH
OTHER 17556 0 0
BANK ONE COMMON STOCK 06423A103 78 1303 SH
DEFINED 1303 0 0
BANK ONE COMMON STOCK 06423A103 436 7327 SH
OTHER 7327 0 0
BARNES & NOBLE INC COMMON STOCK 067774109 5 200 SH
DEFINED 200 0 0
BARRETT RESOURCES COMMON STOCK 068480201 22 578 SH
DEFINED 578 0 0
BATTLE MOUNTAIN GOLD COMMON STOCK 071593107 2 729 SH
DEFINED 729 0 0
BAXTER INTERNATIONAL COMMON STOCK 071813109 6 100 SH
DEFINED 100 0 0
BEC ENERGY COMMON STOCK 05538M101 18 440 SH
DEFINED 440 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 24 800 SH
DEFINED 800 0 0
BELL ATLANTIC COMMON STOCK 077853109 986 15082 SH
DEFINED 15082 0 0
BELL ATLANTIC COMMON STOCK 077853109 290 4438 SH
OTHER 1780 0 2658
BELLSOUTH COMMON STOCK 079860102 1536 33300 SH
DEFINED 33300 0 0
BELLSOUTH COMMON STOCK 079860102 656 14224 SH
OTHER 10840 0 3384
BERKSHIRE ENERGY RESOURCES COMMON STOCK 084644103 11 510 SH
OTHER 510 0 0
BERKSHIRE HATHAWAY CLASS B COMMON STOCK 084670207 307 137 SH
DEFINED 137 0 0
BEST BUY COMMON STOCK 086516101 1783 26410 SH
DEFINED 26410 0 0
BEST BUY COMMON STOCK 086516101 343 5080 SH
OTHER 5080 0 0
BESTFOODS COMMON STOCK 08658U101 109 2210 SH
DEFINED 2210 0 0
BF GOODRICH COMMON STOCK 382388106 9 200 SH
DEFINED 200 0 0
BIG DOG HLDGS INC COMMON STOCK 089128102 5 1000 SH
DEFINED 1000 0 0
BIOGEN COMMON STOCK 090597105 26 400 SH
DEFINED 400 0 0
BJS WHOLESALE CLUB COMMON STOCK 05548J106 60 2000 SH
DEFINED 2000 0 0
BLAIR CORPORATION COMMON STOCK 092828102 3 100 SH
DEFINED 100 0 0
BOEING COMMON STOCK 097023105 198 4499 SH
DEFINED 4499 0 0
BOEING COMMON STOCK 097023105 167 3800 SH
OTHER 3800 0 0
BOISE CASCADE CORPORATION COMMON STOCK 097383103 14 333 SH
OTHER 333 0 0
BOK FINANCIAL COMMON STOCK 05561Q201 9 376 SH
DEFINED 376 0 0
BOMBAY INC COMMON STOCK 097924104 1 100 SH
DEFINED 100 0 0
BOSTON SCIENTIFIC COMMON STOCK 101137107 57 1300 SH
DEFINED 1300 0 0
BP AMOCO PLC COMMON STOCK 055622104 14621 134759 SH
DEFINED 133260 0 1499
BP AMOCO PLC COMMON STOCK 055622104 3892 35870 SH
OTHER 35870 0 0
BRAUNS FASHIONS COMMON STOCK 105658108 29 2000 SH
DEFINED 2000 0 0
BRINKER INTERNATIONAL COMMON STOCK 109641100 8 300 SH
DEFINED 300 0 0
BRINKER INTERNATIONAL COMMON STOCK 109641100 17 600 SH
OTHER 600 0 0
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 10392 147528 SH
DEFINED 145748 0 1780
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 2559 36324 SH
OTHER 36324 0 0
BROADCOM COMMON STOCK 111320107 29 200 SH
DEFINED 200 0 0
BROWNING-FERRIS INDUSTRIES COMMON STOCK 115885105 22 500 SH
DEFINED 500 0 0
BROWNING-FERRIS INDUSTRIES COMMON STOCK 115885105 43 1000 SH
OTHER 1000 0 0
BUCKEYE PARTNERS L P COMMON STOCK 118230101 6 200 SH
DEFINED 200 0 0
BURLINGTON NORTHERN SANTA FE COMMON STOCK 12189T104 121 3915 SH
DEFINED 3915 0 0
BURLINGTON RESOURCES COMMON STOCK 122014103 121 2788 SH
DEFINED 2788 0 0
BURLINGTON RESOURCES COMMON STOCK 122014103 452 10457 SH
OTHER 10457 0 0
CALIFORNIA WTR SVC GRP HLDG CO COMMON STOCK 130788102 6 216 SH
DEFINED 216 0 0
CAMDEN PROPERTY TRUST COMMON STOCK 133131102 8 286 SH
DEFINED 286 0 0
CANADA SOUTHN PETE LTD COMMON STOCK 135231108 7 1000 SH
DEFINED 1000 0 0
CAPITOL FED FINL COMMON STOCK 14057C106 3 300 SH
DEFINED 300 0 0
CARNIVAL CORP COMMON STOCK 143658102 2840 58565 SH
DEFINED 57495 0 1070
CARNIVAL CORP COMMON STOCK 143658102 84 1740 SH
OTHER 1740 0 0
CAROLINA POWER & LIGHT COMMON STOCK 144141108 16 370 SH
DEFINED 370 0 0
CAROLINA POWER & LIGHT COMMON STOCK 144141108 25 580 SH
OTHER 580 0 0
CARRINGTON LABS INC COMMON STOCK 144525102 7 2300 SH
DEFINED 2300 0 0
CATELLUS DEVELOPMENT COMMON STOCK 149111106 8 525 SH
DEFINED 525 0 0
CATERPILLAR TRACTOR COMMON STOCK 149123101 119 1981 SH
OTHER 1981 0 0
CATHERINES STORES COMMON STOCK 14916F100 12 1000 SH
DEFINED 1000 0 0
CATO CORP COMMON STOCK 149205106 6 500 SH
DEFINED 500 0 0
CBS COMMON STOCK 12490K107 181 4147 SH
DEFINED 4147 0 0
CDNOW COMMON STOCK 125086108 15 830 SH
DEFINED 830 0 0
CELGENE COMMON STOCK 151020104 88 5000 SH
DEFINED 5000 0 0
CENDANT COMMON STOCK 151313103 4 200 SH
DEFINED 200 0 0
CENTOCOR COMMON STOCK 152342101 1452 31150 SH
DEFINED 31150 0 0
CENTOCOR COMMON STOCK 152342101 42 900 SH
OTHER 900 0 0
CENTRAL & SOUTHWEST COMMON STOCK 152357109 367 15705 SH
DEFINED 15705 0 0
CENTRAL & SOUTHWEST COMMON STOCK 152357109 110 4700 SH
OTHER 3700 0 1000
CENTRAL NEWSPAPERS COMMON STOCK 154647101 49 1300 SH
DEFINED 1300 0 0
CENTURY ALUM CO COMMON STOCK 156431108 3 500 SH
DEFINED 500 0 0
CHANCELLOR MEDIA COMMON STOCK 158915108 6 100 SH
DEFINED 100 0 0
CHASE MANHATTAN COMMON STOCK 16161A108 414 4781 SH
DEFINED 4781 0 0
CHEVRON COMMON STOCK 166751107 2386 25097 SH
DEFINED 25097 0 0
CHEVRON COMMON STOCK 166751107 877 9229 SH
OTHER 9229 0 0
CHIRON COMMON STOCK 170040109 62 3000 SH
DEFINED 3000 0 0
CHUBB COMMON STOCK 171232101 3 50 SH
DEFINED 50 0 0
CIGNA COMMON STOCK 125509109 155 1744 SH
DEFINED 1744 0 0
CINERGY COMMON STOCK 172474108 1855 57966 SH
DEFINED 56006 0 1960
CINERGY COMMON STOCK 172474108 194 6077 SH
OTHER 6077 0 0
CISCO SYSTEMS COMMON STOCK 17275R102 4805 74562 SH
DEFINED 74068 0 494
CISCO SYSTEMS COMMON STOCK 17275R102 400 6204 SH
OTHER 6204 0 0
CITIGROUP COMMON STOCK 172967101 171 3598 SH
DEFINED 3598 0 0
CLOROX COMMON STOCK 189054109 11 100 SH
OTHER 100 0 0
CNA FINL CORP COMMON STOCK 126117100 6 150 SH
DEFINED 150 0 0
COCA-COLA COMMON STOCK 191216100 884 14260 SH
DEFINED 14260 0 0
COCA-COLA COMMON STOCK 191216100 134 2155 SH
OTHER 2155 0 0
COGNEX COMMON STOCK 192422103 21 656 SH
DEFINED 656 0 0
COHERENT INC COMMON STOCK 192479103 19 1000 SH
DEFINED 1000 0 0
COLGATE PALMOLIVE COMMON STOCK 194162103 5 50 SH
DEFINED 50 0 0
COLONIAL PROPERTIES TRUST COMMON STOCK 195872106 18 650 SH
DEFINED 650 0 0
COLUMBIA/HCA HEALTHCARE COMMON STOCK 197677107 0 10 SH
DEFINED 10 0 0
COMPAQ COMPUTER COMMON STOCK 204493100 242 10200 SH
DEFINED 10200 0 0
COMPUTER SCIENCES COMMON STOCK 205363104 3201 46265 SH
DEFINED 45855 0 410
COMPUTER SCIENCES COMMON STOCK 205363104 473 6830 SH
OTHER 6830 0 0
CONAGRA COMMON STOCK 205887102 4301 161524 SH
DEFINED 158579 0 2945
CONAGRA COMMON STOCK 205887102 554 20815 SH
OTHER 20815 0 0
CONECTIV COMMON STOCK 206829103 5 225 SH
DEFINED 225 0 0
CONECTIV INC CL A COMMON STOCK 206829202 2 37 SH
DEFINED 37 0 0
CONEXANT SYSTEMS COMMON STOCK 207142100 64 1100 SH
DEFINED 1100 0 0
CONNECTICUT WATER SERVICES COMMON STOCK 207797101 21 750 SH
DEFINED 750 0 0
CONOCO COMMON STOCK 208251306 14 500 SH
OTHER 500 0 0
CONSOLIDATED EDISON COMMON STOCK 209115104 14 315 SH
DEFINED 315 0 0
CORAM HEALTHCARE CORP COMMON STOCK 218103109 0 50 SH
DEFINED 50 0 0
CORN PRODUCTS INTERNATIONAL COMMON STOCK 219023108 6 200 SH
DEFINED 200 0 0
CORNING COMMON STOCK 219350105 3006 42864 SH
DEFINED 41319 0 1545
CORNING COMMON STOCK 219350105 173 2470 SH
OTHER 2470 0 0
COSTCO COMMON STOCK 22160Q102 400 5000 SH
DEFINED 5000 0 0
COX RADIO CL A COMMON STOCK 224051102 5 100 SH
OTHER 100 0 0
CR BARD COMMON STOCK 067383109 38 800 SH
DEFINED 800 0 0
CRESCENT REAL ESTATE EQUITIES COMMON STOCK 225756105 12 500 SH
DEFINED 500 0 0
CRESTLINE CAP CORP COMMON STOCK 226153104 2 122 SH
DEFINED 122 0 0
CRITICARE SYSTEMS COMMON STOCK 226901106 8 4000 SH
DEFINED 4000 0 0
CSX CORP COMMON STOCK 126408103 36 800 SH
DEFINED 800 0 0
CYPRUS AMAX MINERALS COMMON STOCK 232809103 29 1931 SH
DEFINED 1931 0 0
CYPRUS AMAX MINERALS COMMON STOCK 232809103 3 210 SH
OTHER 210 0 0
DALLAS SEMICONDUCTOR COMMON STOCK 235204104 25 500 SH
DEFINED 500 0 0
DANA COMMON STOCK 235811106 261 5660 SH
DEFINED 5660 0 0
DANA COMMON STOCK 235811106 28 600 SH
OTHER 600 0 0
DAYTON HUDSON COMMON STOCK 239753106 4760 73230 SH
DEFINED 72930 0 300
DAYTON HUDSON COMMON STOCK 239753106 808 12430 SH
OTHER 12430 0 0
DEERE COMMON STOCK 244199105 187 4784 SH
DEFINED 4679 0 105
DEERE COMMON STOCK 244199105 4 100 SH
OTHER 100 0 0
DELAWARE GROUP GLOBAL DIV & IN COMMON STOCK 245916101 110 7700 SH
OTHER 7700 0 0
DELL COMPUTER COMMON STOCK 247025109 45 1216 SH
DEFINED 1216 0 0
DELL COMPUTER COMMON STOCK 247025109 4 100 SH
OTHER 100 0 0
DELPHI AUTOMOTIVE SYSTEMS COMMON STOCK 247126105 56 3031 SH
DEFINED 3031 0 0
DELPHI AUTOMOTIVE SYSTEMS COMMON STOCK 247126105 6 312 SH
OTHER 173 0 139
DELUXE COMMON STOCK 248019101 39 1000 SH
DEFINED 1000 0 0
DENDRITE COMMON STOCK 248239105 36 1000 SH
DEFINED 1000 0 0
DENTSPLY INTERNATIONAL COMMON STOCK 249030107 8 275 SH
DEFINED 275 0 0
DIEBOLD COMMON STOCK 253651103 4 150 SH
DEFINED 150 0 0
DII GROUP COMMON STOCK 232949107 51 1380 SH
OTHER 1380 0 0
DILLARD'S COMMON STOCK 254067101 14 400 SH
DEFINED 400 0 0
DIONEX COMMON STOCK 254546104 1563 38600 SH
DEFINED 38600 0 0
DIONEX COMMON STOCK 254546104 32 800 SH
OTHER 800 0 0
DOLLAR GENERAL COMMON STOCK 256669102 36 1256 SH
DEFINED 1256 0 0
DOMINION RESOURCES COMMON STOCK 257470104 65 1500 SH
DEFINED 1500 0 0
DOVER COMMON STOCK 260003108 78 2228 SH
DEFINED 2228 0 0
DOVER COMMON STOCK 260003108 1004 28676 SH
OTHER 28676 0 0
DOW CHEMICAL COMMON STOCK 260543103 57 450 SH
DEFINED 450 0 0
DOW CHEMICAL COMMON STOCK 260543103 3 20 SH
OTHER 20 0 0
DQE COMMON STOCK 23329J104 42 1050 SH
OTHER 1050 0 0
DRESS BARN COMMON STOCK 261570105 12 725 SH
DEFINED 725 0 0
DU PONT EI DENEMOURS COMMON STOCK 263534109 380 5567 SH
DEFINED 5567 0 0
DU PONT EI DENEMOURS COMMON STOCK 263534109 726 10622 SH
OTHER 10442 0 180
DUFF & PHELPS UTILITIES COMMON STOCK 264324104 5 500 SH
OTHER 500 0 0
DUKE POWER COMMON STOCK 264399106 192 3534 SH
DEFINED 3534 0 0
DUKE POWER COMMON STOCK 264399106 33 600 SH
OTHER 600 0 0
DUKE REALTY INVESTMENTS COMMON STOCK 264411505 23 1000 SH
DEFINED 1000 0 0
DUN & BRADSTREET COMMON STOCK 26483B106 22 628 SH
DEFINED 628 0 0
DUN & BRADSTREET COMMON STOCK 26483B106 220 6200 SH
OTHER 6200 0 0
DURA PHARMACEUTICALS COMMON STOCK 26632S109 7 600 SH
DEFINED 600 0 0
E M C COMMON STOCK 268648102 100 1824 SH
DEFINED 1824 0 0
EARTHSHELL COMMON STOCK 27032B100 105 15000 SH
DEFINED 15000 0 0
EASTMAN CHEMICAL COMMON STOCK 277432100 14 263 SH
OTHER 263 0 0
EASTMAN KODAK COMMON STOCK 277461109 12 183 SH
DEFINED 183 0 0
EASTMAN KODAK COMMON STOCK 277461109 71 1053 SH
OTHER 1053 0 0
ECHELON INTL CORP COMMON STOCK 278747100 1 66 SH
DEFINED 66 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 65 2423 SH
DEFINED 2423 0 0
EL PASO ENERGY COMMON STOCK 283905107 984 27971 SH
DEFINED 27971 0 0
EL PASO ENERGY COMMON STOCK 283905107 484 13760 SH
OTHER 13760 0 0
ELAN PLC ADR COMMON STOCK 284131208 189 6800 SH
DEFINED 6800 0 0
ELECTRIC FUEL CORP COMMON STOCK 284871100 1 370 SH
DEFINED 370 0 0
ELECTRONIC DATA SYSTEMS COMMON STOCK 285661104 6 100 SH
DEFINED 100 0 0
ELECTRONIC DATA SYSTEMS COMMON STOCK 285661104 181 3200 SH
OTHER 3200 0 0
ELI LILLY COMMON STOCK 532457108 235 3275 SH
DEFINED 3275 0 0
ELI LILLY COMMON STOCK 532457108 213 2968 SH
OTHER 2968 0 0
EMERSON ELECTRIC COMMON STOCK 291011104 7136 113386 SH
DEFINED 113386 0 0
EMPIRE DISTRICT ELECTRIC COMMON STOCK 291641108 47 1800 SH
DEFINED 1800 0 0
EMPIRE DISTRICT ELECTRIC COMMON STOCK 291641108 29 1116 SH
OTHER 1116 0 0
ENRON COMMON STOCK 293561106 465 5689 SH
DEFINED 5689 0 0
ENRON COMMON STOCK 293561106 90 1100 SH
OTHER 1100 0 0
ENSCO INTERNATIONAL COMMON STOCK 26874Q100 30 1500 SH
DEFINED 1500 0 0
ENTERGY COMMON STOCK 29364G103 7 221 SH
DEFINED 221 0 0
ENTERPRISE PRODUCTS PARTNERS L COMMON STOCK 293792107 61 3300 SH
OTHER 3300 0 0
EQUIFAX COMMON STOCK 294429105 4 125 SH
DEFINED 125 0 0
EQUITY RESIDENTIAL PROPERTIES COMMON STOCK 29476L107 6 125 SH
OTHER 125 0 0
EX CAPITAL LTD COMMON STOCK G98255105 34 600 SH
DEFINED 600 0 0
EXCELSIOR INCOME SHARES COMMON STOCK 300723103 8 494 SH
DEFINED 494 0 0
EXXON COMMON STOCK 302290101 16220 210313 SH
DEFINED 209303 0 1010
EXXON COMMON STOCK 302290101 10526 136479 SH
OTHER 136479 0 0
FAIR ISAAC & CO INC COMMON STOCK 303250104 3 75 SH
DEFINED 75 0 0
FAMILY GOLF CTRS INC COMMON STOCK 30701A106 2 200 SH
DEFINED 200 0 0
FANNIE MAE COMMON STOCK 313586109 6317 92551 SH
DEFINED 91311 0 1240
FANNIE MAE COMMON STOCK 313586109 2348 34405 SH
OTHER 34405 0 0
FAROUDJA COMMON STOCK 311643100 70 24902 SH
DEFINED 24902 0 0
FEDERAL REALTY INVESTMENT TRUS COMMON STOCK 313747206 17 750 SH
DEFINED 750 0 0
FEDERATED DEPARTMENT STORES COMMON STOCK 31410H101 26 500 SH
DEFINED 500 0 0
FILENES BASEMENT COMMON STOCK 316866102 7 5000 SH
DEFINED 5000 0 0
FIRST DATA COMMON STOCK 319963104 660 13480 SH
DEFINED 13080 0 400
FIRST DATA COMMON STOCK 319963104 108 2205 SH
OTHER 2205 0 0
FIRST INDUSTRIAL REALITY TRUST COMMON STOCK 32054K103 728 26515 SH
DEFINED 26115 0 400
FIRST INDUSTRIAL REALITY TRUST COMMON STOCK 32054K103 97 3550 SH
OTHER 3550 0 0
FIRST TENNESSEE NATIONAL COMMON STOCK 337162101 18 482 SH
DEFINED 482 0 0
FIRST UNION COMMON STOCK 337358105 10 203 SH
DEFINED 203 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 53 1702 SH
DEFINED 1702 0 0
FLEET FINANCIAL GROUP COMMON STOCK 338915101 106 2382 SH
DEFINED 2382 0 0
FLEMING COS INC COMMON STOCK 339130106 6 500 SH
DEFINED 500 0 0
FLORIDA PROGRESS COMMON STOCK 341109106 72 1750 SH
DEFINED 1750 0 0
FLUOR COMMON STOCK 343861100 16 400 SH
DEFINED 400 0 0
FLUOR COMMON STOCK 343861100 1 20 SH
OTHER 20 0 0
FORD COMMON STOCK 345370100 836 14817 SH
DEFINED 14817 0 0
FORD COMMON STOCK 345370100 69 1224 SH
OTHER 1224 0 0
FOREST OIL CORP COMMON STOCK 346091606 8 600 SH
DEFINED 600 0 0
FORTUNE BRANDS COMMON STOCK 349631101 182 4400 SH
DEFINED 4400 0 0
FORTUNE BRANDS COMMON STOCK 349631101 33 800 SH
OTHER 800 0 0
FOSSIL COMMON STOCK 349882100 24 500 SH
DEFINED 500 0 0
FOX ENTERTAINMENT GROUP COMMON STOCK 35138T107 12 450 SH
DEFINED 450 0 0
FPL GROUP COMMON STOCK 302571104 33 600 SH
DEFINED 600 0 0
FRANKLIN RESOURCES COMMON STOCK 354613101 41 1000 SH
DEFINED 1000 0 0
FRESENIUS MED CARE COMMON STOCK 358029106 4 175 SH
DEFINED 175 0 0
GABELLI EQUITY TRUST COMMON STOCK 362397101 62 5000 SH
DEFINED 5000 0 0
GANNETT COMMON STOCK 364730101 24 330 SH
DEFINED 330 0 0
GAP COMMON STOCK 364760108 185 3675 SH
DEFINED 3675 0 0
GAP COMMON STOCK 364760108 227 4500 SH
OTHER 4500 0 0
GARTNER GROUP COMMON STOCK 366651107 47 2300 SH
DEFINED 2300 0 0
GENCORP INC COMMON STOCK 368682100 5 216 SH
DEFINED 216 0 0
GENERAL ELECTRIC COMMON STOCK 369604103 19424 171891 SH
DEFINED 171051 0 840
GENERAL ELECTRIC COMMON STOCK 369604103 13395 118537 SH
OTHER 118537 0 0
GENERAL MOTORS COMMON STOCK 370442105 287 4346 SH
DEFINED 4346 0 0
GENERAL MOTORS COMMON STOCK 370442105 30 450 SH
OTHER 250 0 200
GENERAL MOTORS CLASS H COMMON STOCK 370442832 9 165 SH
DEFINED 165 0 0
GENESIS ENERGY L P COMMON STOCK 371927104 7 500 SH
DEFINED 500 0 0
GEORGIA PACIFIC COMMON STOCK 373298108 319 6742 SH
DEFINED 6742 0 0
GEORGIA PACIFIC TIMBER GROUP COMMON STOCK 373298702 77 3059 SH
DEFINED 3059 0 0
GILLETTE COMMON STOCK 375766102 135 3300 SH
DEFINED 3300 0 0
GILLETTE COMMON STOCK 375766102 86 2100 SH
OTHER 2100 0 0
GLIMCHER REALTY TRUST COMMON STOCK 379302102 9 530 SH
DEFINED 530 0 0
GLOBAL CROSSING LTD COMMON STOCK G3921A100 9 200 SH
DEFINED 200 0 0
GOODYEAR TIRE & RUBBER COMMON STOCK 382550101 49 834 SH
DEFINED 834 0 0
GOODYEAR TIRE & RUBBER COMMON STOCK 382550101 57 970 SH
OTHER 970 0 0
GOODYS FAMILY CLOTHING COMMON STOCK 382588101 11 1000 SH
DEFINED 1000 0 0
GO2NET INC COMMON STOCK 383486107 9 100 SH
OTHER 100 0 0
GRAINGER (W.W.) COMMON STOCK 384802104 8 150 SH
DEFINED 150 0 0
GRAINGER (W.W.) COMMON STOCK 384802104 67 1240 SH
OTHER 1240 0 0
GREAT ATLANTIC & PAC TEA INC COMMON STOCK 390064103 4 131 SH
OTHER 131 0 0
GREAT LAKES CHEMICAL COMMON STOCK 390568103 64 1400 SH
DEFINED 1400 0 0
GTE COMMON STOCK 362320103 7918 104873 SH
DEFINED 103331 0 1542
GTE COMMON STOCK 362320103 1529 20258 SH
OTHER 20258 0 0
GULFSTREAM AEROSPACE COMMON STOCK 402734107 68 1000 SH
DEFINED 1000 0 0
H&R BLOCK COMMON STOCK 093671105 40 800 SH
DEFINED 800 0 0
HALLIBURTON COMMON STOCK 406216101 317 7000 SH
DEFINED 7000 0 0
HARLEY DAVIDSON COMMON STOCK 412822108 5 100 SH
DEFINED 100 0 0
HARLEY DAVIDSON COMMON STOCK 412822108 33 600 SH
OTHER 600 0 0
HARTE HANKS COMMON STOCK 416196103 43 1600 SH
DEFINED 1600 0 0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK 416515104 20 350 SH
OTHER 350 0 0
HCR MANOR CARE COMMON STOCK 404134108 421 17394 SH
DEFINED 17394 0 0
HCR MANOR CARE COMMON STOCK 404134108 15 600 SH
OTHER 600 0 0
HEALTHCARE RECOVERIES COMMON STOCK 42220K101 48 10000 SH
DEFINED 10000 0 0
HELMERICH & PAYNE COMMON STOCK 423452101 70 2960 SH
DEFINED 2960 0 0
HELMERICH & PAYNE COMMON STOCK 423452101 108 4568 SH
OTHER 4568 0 0
HERMAN MILLER COMMON STOCK 600544100 1198 57036 SH
DEFINED 55676 0 1360
HERMAN MILLER COMMON STOCK 600544100 95 4505 SH
OTHER 4505 0 0
HERSHEY FOODS COMMON STOCK 427866108 85 1425 SH
DEFINED 1425 0 0
HERSHEY FOODS COMMON STOCK 427866108 154 2600 SH
OTHER 2600 0 0
HEWLETT-PACKARD COMMON STOCK 428236103 6836 68015 SH
DEFINED 66580 0 1435
HEWLETT-PACKARD COMMON STOCK 428236103 1731 17220 SH
OTHER 17220 0 0
HJ HEINZ COMMON STOCK 423074103 100 2000 SH
DEFINED 2000 0 0
HJ HEINZ COMMON STOCK 423074103 147 2925 SH
OTHER 2925 0 0
HOME DEPOT COMMON STOCK 437076102 760 11795 SH
DEFINED 11795 0 0
HONEYWELL COMMON STOCK 438506107 23 197 SH
DEFINED 197 0 0
HONEYWELL COMMON STOCK 438506107 278 2400 SH
OTHER 2400 0 0
HOST MARRIOTT COMMON STOCK 44107P104 16 1326 SH
DEFINED 1326 0 0
HOST MARRIOTT SVCS CORP COMMON STOCK 440914109 2 244 SH
DEFINED 244 0 0
HRPT PROPERTY TRUST COMMON STOCK 40426W101 8 500 SH
DEFINED 500 0 0
HRPT PROPERTY TRUST COMMON STOCK 40426W101 2 125 SH
OTHER 125 0 0
HUNTINGTON BANCSHARES COMMON STOCK 446150104 308 8800 SH
DEFINED 8800 0 0
HUSSMANN INTERNATIONAL COMMON STOCK 448110106 17 1000 SH
DEFINED 1000 0 0
IDACORP COMMON STOCK 451107106 22 710 SH
DEFINED 710 0 0
IMATION CORP COMMON STOCK 45245A107 0 20 SH
OTHER 20 0 0
IMC GLOBAL COMMON STOCK 449669100 14 798 SH
DEFINED 798 0 0
IMS HEALTH COMMON STOCK 449934108 96 3056 SH
DEFINED 3056 0 0
IMS HEALTH COMMON STOCK 449934108 388 12400 SH
OTHER 12400 0 0
INDIANA ENERGY COMMON STOCK 454707100 34 1600 SH
DEFINED 1600 0 0
INDUSTRIAL DISTRIBUTION GROUP COMMON STOCK 456061100 6 1200 SH
DEFINED 1200 0 0
INGERSOLL RAND COMMON STOCK 456866102 55 855 SH
DEFINED 855 0 0
INTEL COMMON STOCK 458140100 5395 90665 SH
DEFINED 89545 0 1120
INTEL COMMON STOCK 458140100 644 10825 SH
OTHER 10825 0 0
INTERNATIONAL BUSINESS MACHINE COMMON STOCK 459200101 466 3606 SH
DEFINED 3606 0 0
INTERNATIONAL BUSINESS MACHINE COMMON STOCK 459200101 336 2600 SH
OTHER 2600 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 35 800 SH
DEFINED 800 0 0
INTERNATIONAL PAPER COMMON STOCK 460146103 61 1220 SH
OTHER 1220 0 0
INTIMATE BRANDS COMMON STOCK 461156101 14 305 SH
DEFINED 305 0 0
IONICS INC COMMON STOCK 462218108 5 150 SH
DEFINED 150 0 0
IPALCO ENTERPRISES COMMON STOCK 462613100 55 2600 SH
DEFINED 2600 0 0
IT GROUP INC (FORMERLY INTERNA COMMON STOCK 465266104 4 250 SH
DEFINED 250 0 0
JOHN HANCOCK INCOME SECURITIES COMMON STOCK 410123103 36 2600 SH
DEFINED 2600 0 0
JOHN NUVEEN COMMON STOCK 478035108 21 500 SH
DEFINED 500 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 2718 27735 SH
DEFINED 27720 0 15
JOHNSON & JOHNSON COMMON STOCK 478160104 975 9945 SH
OTHER 9945 0 0
JP MORGAN COMMON STOCK 616880100 7 50 SH
DEFINED 50 0 0
JP MORGAN COMMON STOCK 616880100 67 479 SH
OTHER 479 0 0
K N ENERGY COMMON STOCK 482620101 13 1000 SH
DEFINED 1000 0 0
KANSAS CITY POWER & LIGHT COMMON STOCK 485134100 52 2040 SH
DEFINED 2040 0 0
KEMPER INTERMEDIATE GOVERNMENT COMMON STOCK 488413105 8 1200 SH
DEFINED 1200 0 0
KERR MCGEE COMMON STOCK 492386107 102 2025 SH
DEFINED 2025 0 0
KIMBERLY CLARK COMMON STOCK 494368103 87 1520 SH
DEFINED 1520 0 0
KROGER COMMON STOCK 501044101 2731 97752 SH
DEFINED 97512 0 240
KROGER COMMON STOCK 501044101 364 13040 SH
OTHER 13040 0 0
LACLEDE GAS COMMON STOCK 505588103 14 600 SH
DEFINED 600 0 0
LEAP WIRELESS INTERNATIONAL COMMON STOCK 521863100 9 460 SH
DEFINED 0 0 460
LEGGETT & PLATT COMMON STOCK 524660107 5058 181846 SH
DEFINED 179356 0 2490
LEGGETT & PLATT COMMON STOCK 524660107 718 25830 SH
OTHER 25830 0 0
LENNAR COMMON STOCK 526057104 1079 44975 SH
DEFINED 44945 0 30
LENNAR COMMON STOCK 526057104 36 1500 SH
OTHER 1500 0 0
LEXMARK INTERNATIONAL GROUP COMMON STOCK 529771107 13 200 SH
DEFINED 200 0 0
LIFEPOINT HOSPS INC COMMON STOCK 53219L109 0 1 SH
DEFINED 1 0 0
LIMITED COMMON STOCK 532716107 5 100 SH
DEFINED 100 0 0
LINCOLN NATIONAL COMMON STOCK 534187109 6 120 SH
DEFINED 120 0 0
LINCOLN NATIONAL COMMON STOCK 534187109 167 3200 SH
OTHER 3200 0 0
LINDSAY MANUFACTURING COMMON STOCK 535555106 14 800 SH
DEFINED 800 0 0
LIZ CLAIBORNE INC COMMON STOCK 539320101 37 1000 SH
DEFINED 1000 0 0
LOCAL FINL CORP COMMON STOCK 539553107 2 200 SH
DEFINED 200 0 0
LOCKHEED MARTIN COMMON STOCK 539830109 22 600 SH
DEFINED 600 0 0
LOEWEN GROUP COMMON STOCK 54042L100 3 5000 SH
DEFINED 5000 0 0
LORAL SPACE & COMMUNICATIONS COMMON STOCK G56462107 4 200 SH
DEFINED 200 0 0
LOUISIANA PACIFIC COMMON STOCK 546347105 38 1610 SH
DEFINED 1610 0 0
LOWES COMMON STOCK 548661107 57 1000 SH
DEFINED 1000 0 0
LSI LOGIC COMMON STOCK 502161102 149 3228 SH
DEFINED 3228 0 0
LUBY'S COMMON STOCK 549282101 15 1000 SH
DEFINED 1000 0 0
LUCENT TECHNOLOGIES COMMON STOCK 549463107 2021 29971 SH
DEFINED 29971 0 0
LUCENT TECHNOLOGIES COMMON STOCK 549463107 405 6000 SH
OTHER 3564 0 2436
MADISON GAS & ELECTRIC COMMON STOCK 557497104 47 2275 SH
DEFINED 2275 0 0
MAGELLAN PETE CORP COMMON STOCK 559091301 2 1000 SH
DEFINED 1000 0 0
MANPOWER COMMON STOCK 56418H100 9 400 SH
DEFINED 400 0 0
MANPOWER COMMON STOCK 56418H100 1 60 SH
OTHER 60 0 0
MARKETWATCH COMMON STOCK 570619106 18 300 SH
DEFINED 300 0 0
MARRIOTT COMMON STOCK 571903202 121 3240 SH
DEFINED 3240 0 0
MARSH & MCLENNAN COMMON STOCK 571748102 28 375 SH
DEFINED 375 0 0
MATTEL COMMON STOCK 577081102 10 400 SH
DEFINED 400 0 0
MAY DEPARTMENT STORES COMMON STOCK 577778103 12 300 SH
DEFINED 300 0 0
MAYTAG COMMON STOCK 578592107 7 100 SH
DEFINED 100 0 0
MBIA COMMON STOCK 55262C100 1694 26168 SH
DEFINED 25503 0 665
MBIA COMMON STOCK 55262C100 115 1775 SH
OTHER 1775 0 0
MBNA COMMON STOCK 55262L100 62 2025 SH
DEFINED 2025 0 0
MCCORMICK & COMPANY NON VOTING COMMON STOCK 579780206 98 3120 SH
OTHER 3120 0 0
MCDONALDS COMMON STOCK 580135101 237 5757 SH
DEFINED 5757 0 0
MCDONALDS COMMON STOCK 580135101 276 6700 SH
OTHER 6700 0 0
MCI WORLDCOM COMMON STOCK 55268B106 473 5497 SH
DEFINED 5497 0 0
MCN ENERGY GROUP COMMON STOCK 55267J100 8 400 SH
OTHER 400 0 0
MDU RESOURCES GROUP COMMON STOCK 552690109 110 4800 SH
DEFINED 4800 0 0
MEDE AMERICA COMMON STOCK 584067102 113 3000 SH
DEFINED 3000 0 0
MEDIAONE GROUP COMMON STOCK 58440J104 1979 26613 SH
DEFINED 26593 0 20
MEDIAONE GROUP COMMON STOCK 58440J104 419 5632 SH
OTHER 5180 0 452
MEDTRONIC COMMON STOCK 585055106 78 1000 SH
DEFINED 1000 0 0
MELLON BANK COMMON STOCK 585509102 78 2136 SH
DEFINED 2136 0 0
MENS WEARHOUSE INC COMMON STOCK 587118100 11 430 SH
DEFINED 430 0 0
MERCANTILE BANCORPORATION COMMON STOCK 587342106 64 1125 SH
DEFINED 1125 0 0
MERCK COMMON STOCK 589331107 7710 104725 SH
DEFINED 103455 0 1270
MERCK COMMON STOCK 589331107 1940 26352 SH
OTHER 26352 0 0
MERITOR AUTOMOTIVE COMMON STOCK 59000G100 19 733 SH
DEFINED 733 0 0
MESA OFFSHORE TRUST COMMON STOCK 590650107 4 90000 SH
DEFINED 90000 0 0
METAMOR WORLDWIDE COMMON STOCK 59133P100 266 11060 SH
DEFINED 11060 0 0
MGI PROPERTIES COMMON STOCK 552885105 24 850 SH
DEFINED 850 0 0
MICROSOFT COMMON STOCK 594918104 11395 126343 SH
DEFINED 126343 0 0
MICROSOFT COMMON STOCK 594918104 3063 33960 SH
OTHER 33960 0 0
MIDAS COMMON STOCK 595626102 9 333 SH
DEFINED 333 0 0
MINNESOTA MINING & MANUFACTURI COMMON STOCK 604059105 358 4115 SH
DEFINED 4115 0 0
MINNESOTA MINING & MANUFACTURI COMMON STOCK 604059105 190 2190 SH
OTHER 2190 0 0
MOBIL COMMON STOCK 607059102 2326 23550 SH
DEFINED 23550 0 0
MOBIL COMMON STOCK 607059102 405 4100 SH
OTHER 4100 0 0
MOLEX COMMON STOCK 608554101 625 16891 SH
DEFINED 16766 0 125
MOLEX COMMON STOCK 608554101 32 875 SH
OTHER 875 0 0
MOLEX COMMON STOCK 608554200 31 981 SH
DEFINED 981 0 0
MONSANTO COMMON STOCK 611662107 332 8395 SH
DEFINED 8395 0 0
MONTANA POWER COMMON STOCK 612085100 28 400 SH
DEFINED 400 0 0
MONTGOMERY STRATEGIC INCOME COMMON STOCK 614115103 18 1000 SH
DEFINED 1000 0 0
MONY GROUP COMMON STOCK 615337102 27 819 SH
DEFINED 819 0 0
MORGAN STANLEY DEAN WITTER DIS COMMON STOCK 617446448 448 4370 SH
DEFINED 4370 0 0
MORGAN STANLEY DEAN WITTER DIS COMMON STOCK 617446448 73 712 SH
OTHER 712 0 0
MOTOROLA COMMON STOCK 620076109 346 3650 SH
DEFINED 3650 0 0
MOTOROLA COMMON STOCK 620076109 237 2500 SH
OTHER 2500 0 0
MOVIE GALLERY INC COMMON STOCK 624581104 5 1000 SH
DEFINED 1000 0 0
MUNIYIELD INSD FD INC COMMON STOCK 62630E107 49 3500 SH
DEFINED 3500 0 0
MUTUAL RISK MANAGEMENT COMMON STOCK 628351108 46 1366 SH
DEFINED 1366 0 0
NABISCO GROUP COMMON STOCK 62952P102 4 200 SH
DEFINED 200 0 0
NALCO CHEMICAL COMMON STOCK 629853102 31 600 SH
DEFINED 600 0 0
NATIONAL FUEL GAS COMMON STOCK 636180101 49 1000 SH
DEFINED 1000 0 0
NATIONAL FUEL GAS COMMON STOCK 636180101 24 500 SH
OTHER 500 0 0
NATIONWIDE HEALTH PROPERTIES COMMON STOCK 638620104 25 1300 SH
OTHER 1300 0 0
NCR COMMON STOCK 62886E108 5 110 SH
DEFINED 110 0 0
NCR COMMON STOCK 62886E108 2 31 SH
OTHER 31 0 0
NEVADA POWER COMMON STOCK 641423108 13 500 SH
DEFINED 500 0 0
NEW CENTURY ENERGIES COMMON STOCK 64352U103 12 300 SH
DEFINED 300 0 0
NEW CENTURY ENERGIES COMMON STOCK 64352U103 55 1425 SH
OTHER 1425 0 0
NEW ENGLAND ELECTRIC SYSTEMS COMMON STOCK 644001109 36 722 SH
DEFINED 722 0 0
NEW PLAN EXCEL REALTY TRUST COMMON STOCK 648053106 15 850 SH
DEFINED 850 0 0
NEWELL RUBBERMAID COMMON STOCK 651229106 4718 101735 SH
DEFINED 101040 0 695
NEWELL RUBBERMAID COMMON STOCK 651229106 750 16170 SH
OTHER 16170 0 0
NEWHALL LAND/FARMING COMMON STOCK 651426108 20 800 SH
DEFINED 800 0 0
NEWMONT MINING COMMON STOCK 651639106 11 545 SH
DEFINED 545 0 0
NEWPORT NEWS SHIPBUILDING INC COMMON STOCK 652228107 3 88 SH
DEFINED 88 0 0
NICOR COMMON STOCK 654086107 19 500 SH
DEFINED 500 0 0
NICOR COMMON STOCK 654086107 8 200 SH
OTHER 200 0 0
NIELSEN MEDIA RESEARCH COMMON STOCK 653929307 85 2908 SH
DEFINED 2908 0 0
NIELSEN MEDIA RESEARCH COMMON STOCK 653929307 54 1832 SH
OTHER 1832 0 0
NIKE CLASS B COMMON STOCK 654106103 19 300 SH
DEFINED 300 0 0
NOBLE AFFILIATES COMMON STOCK 654894104 139 4940 SH
OTHER 4940 0 0
NORFOLK SOUTHERN COMMON STOCK 655844108 298 9885 SH
DEFINED 9885 0 0
NORFOLK SOUTHERN COMMON STOCK 655844108 321 10650 SH
OTHER 10650 0 0
NORTH EUROPEAN OIL REALTY TRUS COMMON STOCK 659310106 20 1500 SH
DEFINED 1500 0 0
NORTHERN BORDER PARTNERS LP UN COMMON STOCK 664785102 12 400 SH
DEFINED 400 0 0
NORTHERN STATES POWER COMMON STOCK 665772109 24 972 SH
DEFINED 972 0 0
NORTHWEST NATURAL GAS COMMON STOCK 667655104 38 1575 SH
DEFINED 1575 0 0
O I CORP COM COMMON STOCK 670841105 5 1050 SH
DEFINED 1050 0 0
OCCIDENTAL PETROLEUM COMMON STOCK 674599105 4 200 SH
DEFINED 200 0 0
OFFICE DEPOT COMMON STOCK 676220106 56 2550 SH
DEFINED 2550 0 0
OFFICEMAX COMMON STOCK 67622M108 9 750 SH
DEFINED 750 0 0
OGE ENERGY CORPORATION COMMON STOCK 670837103 971 40880 SH
DEFINED 40880 0 0
OGE ENERGY CORPORATION COMMON STOCK 670837103 224 9420 SH
OTHER 9420 0 0
OMNICOM GROUP COMMON STOCK 681919106 88 1100 SH
DEFINED 1100 0 0
ONE PRICE CLOTHING STORES COMMON STOCK 682411103 10 2100 SH
DEFINED 2100 0 0
ONEOK COMMON STOCK 682680103 811 25557 SH
DEFINED 25557 0 0
ONEOK COMMON STOCK 682680103 246 7756 SH
OTHER 7456 0 300
ORACLE COMMON STOCK 68389X105 54 1452 SH
DEFINED 1452 0 0
ORACLE COMMON STOCK 68389X105 3 75 SH
OTHER 75 0 0
PACCAR COMMON STOCK 693718108 761 14265 SH
DEFINED 14165 0 100
PACCAR COMMON STOCK 693718108 171 3200 SH
OTHER 3200 0 0
PACIFICORP COMMON STOCK 695114108 42 2281 SH
DEFINED 2281 0 0
PAINE WEBBER GROUP COMMON STOCK 695629105 70 1500 SH
DEFINED 1500 0 0
PALL COMMON STOCK 696429307 21 933 SH
DEFINED 933 0 0
PANHANDLE ROYALTY COMMON STOCK 698477106 811 92004 SH
DEFINED 92004 0 0
PAPA JOHNS INTERNATIONAL COMMON STOCK 698813102 9 200 SH
DEFINED 200 0 0
PARAMETRIC TECHNOLOGY COMMON STOCK 699173100 9 650 SH
DEFINED 650 0 0
PAREXEL INTL CORP COMMON STOCK 699462107 3 225 SH
DEFINED 225 0 0
PARKER DRILLING COMMON STOCK 701081101 3 1050 SH
DEFINED 1050 0 0
PEAPOD INC COMMON STOCK 704718105 4 500 SH
DEFINED 500 0 0
PECO ENERGY COMMON STOCK 693304107 18 425 SH
DEFINED 425 0 0
PECO ENERGY COMMON STOCK 693304107 12 275 SH
OTHER 275 0 0
PENNZENERGY COMMON STOCK 70931Q109 8 486 SH
DEFINED 486 0 0
PENNZENERGY COMMON STOCK 70931Q109 13 784 SH
OTHER 784 0 0
PENNZOIL-QUAKER STATE COMMON STOCK 709323109 7 486 SH
DEFINED 486 0 0
PENNZOIL-QUAKER STATE COMMON STOCK 709323109 12 784 SH
OTHER 784 0 0
PEOPLES ENERGY COMMON STOCK 711030106 38 1000 SH
DEFINED 1000 0 0
PEOPLESOFT COMMON STOCK 712713106 10 600 SH
DEFINED 600 0 0
PEP BOY - MANNEY MOE & JACK COMMON STOCK 713278109 95 4504 SH
OTHER 4504 0 0
PEPSICO COMMON STOCK 713448108 5569 143944 SH
DEFINED 142364 0 1580
PEPSICO COMMON STOCK 713448108 2006 51850 SH
OTHER 51850 0 0
PFIZER COMMON STOCK 717081103 1142 10477 SH
DEFINED 10477 0 0
PFIZER COMMON STOCK 717081103 664 6090 SH
OTHER 6090 0 0
PG&E COMMON STOCK 69331C108 95 2932 SH
DEFINED 2932 0 0
PHARMACIA & UPJOHN COMMON STOCK 716941109 17 300 SH
DEFINED 300 0 0
PHARMACYCLICS COMMON STOCK 716933106 14 500 SH
DEFINED 500 0 0
PHILIP MORRIS COMMON STOCK 718154107 652 16235 SH
DEFINED 16235 0 0
PHILIP MORRIS COMMON STOCK 718154107 221 5500 SH
OTHER 5500 0 0
PHILLIPS PETROLEUM COMMON STOCK 718507106 839 16674 SH
DEFINED 16474 0 200
PHILLIPS PETROLEUM COMMON STOCK 718507106 167 3322 SH
OTHER 3322 0 0
PHYCOR INC COMMON STOCK 71940F100 4 600 SH
DEFINED 600 0 0
PIONEER HI-BRED INTERNATIONAL COMMON STOCK 723686101 13 325 SH
DEFINED 325 0 0
PIONEER HI-BRED INTERNATIONAL COMMON STOCK 723686101 117 3000 SH
OTHER 3000 0 0
PIONEER NATURAL RESOURCES CO COMMON STOCK 723787107 0 30 SH
DEFINED 30 0 0
PLAYERS INTL INC COMMON STOCK 727903106 7 1000 SH
DEFINED 1000 0 0
PLUM CREEK TIMBER COMMON STOCK 729237107 175 5600 SH
OTHER 5600 0 0
PNC FINANCIAL COMMON STOCK 693475105 6 100 SH
DEFINED 100 0 0
PNC FINANCIAL COMMON STOCK 693475105 26 450 SH
OTHER 450 0 0
POLO RALPH LAUREN COMMON STOCK 731572103 19 1000 SH
DEFINED 1000 0 0
POTOMAC ELECTRIC & POWER COMMON STOCK 737679100 18 600 SH
DEFINED 0 0 600
PP&L RESOURCES COMMON STOCK 693499105 31 1002 SH
DEFINED 1002 0 0
PRAXAIR COMMON STOCK 74005P104 132 2700 SH
DEFINED 2700 0 0
PRE-PAID LEGAL SERVICES COMMON STOCK 740065107 138 5070 SH
DEFINED 5070 0 0
PRESSTEK COMMON STOCK 741113104 18 2454 SH
DEFINED 2454 0 0
PROCTER & GAMBLE COMMON STOCK 742718109 1998 22392 SH
DEFINED 22087 0 305
PROCTER & GAMBLE COMMON STOCK 742718109 613 6865 SH
OTHER 6865 0 0
PROMUS HOTEL COMMON STOCK 74342P106 491 15825 SH
DEFINED 15825 0 0
PROMUS HOTEL COMMON STOCK 74342P106 9 300 SH
OTHER 300 0 0
PROVIDIAN FINANCIAL COMMON STOCK 74406A102 317 3400 SH
DEFINED 3400 0 0
PROVIDIAN FINANCIAL COMMON STOCK 74406A102 357 3825 SH
OTHER 3825 0 0
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK 744573106 49 1198 SH
DEFINED 1198 0 0
PUGET SOUND ENERGY COMMON STOCK 745332106 32 1325 SH
DEFINED 1325 0 0
QUALCOMM COMMON STOCK 747525103 6 45 SH
DEFINED 45 0 0
R H DONNELLEY CORP NEW COMMON STOCK 74955W307 2 125 SH
DEFINED 125 0 0
RAYOVAC COMMON STOCK 755081106 36 1600 SH
DEFINED 1600 0 0
RAYTHEON CLASS A COMMON STOCK 755111309 19 274 SH
DEFINED 274 0 0
RAYTHEON CLASS A COMMON STOCK 755111309 1 15 SH
OTHER 15 0 0
RAYTHEON CLASS B COMMON STOCK 755111408 7244 102751 SH
DEFINED 101676 0 1075
RAYTHEON CLASS B COMMON STOCK 755111408 583 8275 SH
OTHER 8275 0 0
RECKSON ASSOCIATES COMMON STOCK 75621K106 6 250 SH
OTHER 250 0 0
REEBOK COMMON STOCK 758110100 6 300 SH
OTHER 300 0 0
RELIANT ENERGY COMMON STOCK 75952J108 227 8224 SH
DEFINED 8224 0 0
RELIANT ENERGY COMMON STOCK 75952J108 124 4497 SH
OTHER 4497 0 0
REYNOLDS R J TOBACCO COMMON STOCK 76182K105 2 67 SH
DEFINED 67 0 0
RIBI IMMUNOCHEM RESH INC COMMON STOCK 762553105 4 1600 SH
DEFINED 1600 0 0
ROCKWELL INTERNATIONAL COMMON STOCK 773903109 126 2075 SH
DEFINED 2075 0 0
ROCKY SHOES & BOOTS INC COMMON STOCK 774830103 8 1000 SH
DEFINED 1000 0 0
ROSS STORES COMMON STOCK 778296103 135 2675 SH
DEFINED 2675 0 0
SAFECO COMMON STOCK 786429100 141 3200 SH
OTHER 3200 0 0
SAFESKIN CORP COMMON STOCK 786454108 6 500 SH
DEFINED 500 0 0
SAFEWAY COMMON STOCK 786514208 80 1611 SH
DEFINED 1611 0 0
SALOMON BROTHERS HIGH INCOME F COMMON STOCK 794907105 10 770 SH
DEFINED 770 0 0
SALOMON BROTHERS HIGH INCOME F COMMON STOCK 794907105 44 3500 SH
OTHER 3500 0 0
SANTA FE SNYDER COMMON STOCK 80218K105 5 633 SH
DEFINED 633 0 0
SARA LEE COMMON STOCK 803111103 118 5200 SH
DEFINED 5200 0 0
SARA LEE COMMON STOCK 803111103 59 2600 SH
OTHER 2600 0 0
SBC COMMUNICATIONS COMMON STOCK 78387G103 2631 45362 SH
DEFINED 45148 0 214
SBC COMMUNICATIONS COMMON STOCK 78387G103 1173 20225 SH
OTHER 16869 0 3356
SCANA COMMON STOCK 805898103 14 600 SH
DEFINED 600 0 0
SCHERING PLOUGH COMMON STOCK 806605101 1433 27286 SH
DEFINED 27286 0 0
SCHERING PLOUGH COMMON STOCK 806605101 966 18400 SH
OTHER 18400 0 0
SCHLOTZSKYS COMMON STOCK 806832101 4 400 SH
DEFINED 400 0 0
SCHWAB CHARLES COMMON STOCK 808513105 33 300 SH
DEFINED 300 0 0
SEAGATE TECHNOLOGY COMMON STOCK 811804103 1 50 SH
DEFINED 50 0 0
SEALED AIR CORPORATION COMMON STOCK 81211K100 2006 30924 SH
DEFINED 30924 0 0
SEALED AIR CORPORATION COMMON STOCK 81211K100 39 600 SH
OTHER 600 0 0
SEARS ROEBUCK COMMON STOCK 812387108 129 2900 SH
DEFINED 2900 0 0
SEARS ROEBUCK COMMON STOCK 812387108 18 400 SH
OTHER 400 0 0
SEATTLE FILMWORKS INC COMMON STOCK 812572105 2 600 SH
DEFINED 600 0 0
SEMPRA ENERGY COMMON STOCK 816851109 17 766 SH
DEFINED 766 0 0
SERVICE CORPORATION INTERNATIO COMMON STOCK 817565104 129 6708 SH
DEFINED 6708 0 0
SHAW INDUSTRIES COMMON STOCK 820286102 4 200 SH
DEFINED 200 0 0
SHURGARD STORAGE CENTERS COMMON STOCK 82567D104 54 2000 SH
OTHER 2000 0 0
SIERRA PACIFIC RESOURCES COMMON STOCK 826425100 18 500 SH
OTHER 500 0 0
SIGMA ALDRICH COMMON STOCK 826552101 2825 82035 SH
DEFINED 81635 0 400
SIGMA ALDRICH COMMON STOCK 826552101 415 12065 SH
OTHER 12065 0 0
SILICON VY BANCSHARES COMMON STOCK 827064106 52 2100 SH
DEFINED 2100 0 0
SIMON PPTY GROUP NEW(SIMON PPT COMMON STOCK 828806109 3 125 SH
OTHER 125 0 0
SMURFIT STONE COMMON STOCK 832727101 21 1000 SH
DEFINED 1000 0 0
SODEXHO MARRIOTT SERVICES COMMON STOCK 833793102 8 405 SH
DEFINED 405 0 0
SOLECTRON COMMON STOCK 834182107 13 200 SH
DEFINED 200 0 0
SOLUTIA COMMON STOCK 834376105 10 456 SH
DEFINED 456 0 0
SONAT COMMON STOCK 835415100 66 2000 SH
DEFINED 2000 0 0
SONAT COMMON STOCK 835415100 3 100 SH
OTHER 100 0 0
SOTHEBYS HOLDINGS COMMON STOCK 835898107 23 600 SH
DEFINED 600 0 0
SOUTHDOWN COMMON STOCK 841297104 561 8735 SH
DEFINED 8730 0 5
SOUTHDOWN COMMON STOCK 841297104 52 810 SH
OTHER 810 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 321 12099 SH
DEFINED 12099 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 89 3340 SH
OTHER 3340 0 0
SOUTHWEST AIRLINES COMMON STOCK 844741108 194 6230 SH
DEFINED 6230 0 0
SOUTHWEST AIRLINES COMMON STOCK 844741108 21 675 SH
OTHER 675 0 0
SOUTHWEST BANCORP COMMON STOCK 844767103 5250 233315 SH
DEFINED 216600 0 16715
SPIEGEL INC COMMON STOCK 848457107 9 1000 SH
DEFINED 1000 0 0
SPRINT COMMON STOCK 852061100 5070 95664 SH
DEFINED 95664 0 0
SPRINT COMMON STOCK 852061100 1302 24568 SH
OTHER 24568 0 0
SPRINT CORP PCS GROUP COMMON STOCK 852061506 143 2507 SH
DEFINED 2507 0 0
SPRINT CORP PCS GROUP COMMON STOCK 852061506 211 3707 SH
OTHER 3707 0 0
STANDARD REGISTER COMMON STOCK 853887107 25 800 SH
DEFINED 800 0 0
STAPLES COMMON STOCK 855030102 35 1120 SH
DEFINED 1120 0 0
STARBUCKS COMMON STOCK 855244109 8 200 SH
DEFINED 200 0 0
STARWOOD HOTELS & RESORTS WORL COMMON STOCK 85590A203 8 250 SH
DEFINED 250 0 0
STATE STREET COMMON STOCK 857477103 64 750 SH
DEFINED 750 0 0
SUN MICROSYSTEMS COMMON STOCK 866810104 6593 95725 SH
DEFINED 94925 0 800
SUN MICROSYSTEMS COMMON STOCK 866810104 1351 19620 SH
OTHER 19620 0 0
SUNBEAM COMMON STOCK 867071102 17 2100 SH
DEFINED 2100 0 0
SUNBEAM COMMON STOCK 867071102 0 26 SH
OTHER 26 0 0
SUNOCO COMMON STOCK 86764P109 72 2392 SH
DEFINED 2392 0 0
SUNOCO COMMON STOCK 86764P109 38 1267 SH
OTHER 1267 0 0
SUNTRUST BANKS COMMON STOCK 867914103 3295 47446 SH
DEFINED 47351 0 95
SUNTRUST BANKS COMMON STOCK 867914103 858 12360 SH
OTHER 12360 0 0
SYLVAN LEARNING SYSTEMS COMMON STOCK 871399101 276 10140 SH
DEFINED 10140 0 0
SYLVAN LEARNING SYSTEMS COMMON STOCK 871399101 54 2000 SH
OTHER 2000 0 0
SYNTROLEUM CORP (FORMERLY SLH COMMON STOCK 871630109 4 400 SH
DEFINED 400 0 0
SYSCO COMMON STOCK 871829107 2003 67180 SH
DEFINED 67180 0 0
SYSCO COMMON STOCK 871829107 233 7800 SH
OTHER 7800 0 0
SYSTEMS & COMPUTER COMMON STOCK 871873105 6 400 SH
DEFINED 400 0 0
TANDY COMMON STOCK 875382103 489 10000 SH
DEFINED 10000 0 0
TANDY BRANDS ACCESSORIES COMMON STOCK 875378101 119 6921 SH
DEFINED 6921 0 0
TANDYCRAFTS COMMON STOCK 875386104 109 30000 SH
DEFINED 30000 0 0
TANGER FACTORY OUTLET CTRS INC COMMON STOCK 875465106 6 213 SH
DEFINED 213 0 0
TCF FINANCIAL COMMON STOCK 872275102 17 620 SH
DEFINED 620 0 0
TCW CONVERTIBLE SECURITIESS FU COMMON STOCK 872340104 36 3600 SH
DEFINED 3600 0 0
TELEFLEX COMMON STOCK 879369106 26 600 SH
OTHER 600 0 0
TENET HEALTHCARE COMMON STOCK 88033G100 5 290 SH
DEFINED 290 0 0
TENNECO COMMON STOCK 88037E101 18 765 SH
DEFINED 765 0 0
TENNECO COMMON STOCK 88037E101 7 292 SH
OTHER 292 0 0
TEXACO COMMON STOCK 881694103 917 14702 SH
DEFINED 14702 0 0
TEXACO COMMON STOCK 881694103 209 3352 SH
OTHER 3352 0 0
TEXAS INDUSTRIES COMMON STOCK 882491103 155 4000 SH
DEFINED 4000 0 0
TEXAS INSTRUMENTS COMMON STOCK 882508104 14 100 SH
DEFINED 100 0 0
TEXAS UTILITIES COMMON STOCK 882848104 297 7168 SH
DEFINED 6948 0 220
TEXAS UTILITIES COMMON STOCK 882848104 113 2725 SH
OTHER 2625 0 100
TEXTRON COMMON STOCK 883203101 50 610 SH
DEFINED 610 0 0
THERMO ELECTRON COMMON STOCK 883556102 2422 120724 SH
DEFINED 118914 0 1810
THERMO ELECTRON COMMON STOCK 883556102 256 12740 SH
OTHER 12740 0 0
TIME WARNER COMMON STOCK 887315109 22 300 SH
OTHER 300 0 0
TIMKEN COMMON STOCK 887389104 6 300 SH
DEFINED 300 0 0
TOMMY HILFIGER COMMON STOCK G8915Z102 15 200 SH
DEFINED 200 0 0
TORCHMARK COMMON STOCK 891027104 4310 126290 SH
DEFINED 126290 0 0
TRAMMELL CROW COMMON STOCK 89288R106 37 2252 SH
DEFINED 2252 0 0
TRANSAMERICA COMMON STOCK 893485102 1724 22990 SH
DEFINED 22990 0 0
TRI-CONTINENTAL COMMON STOCK 895436103 15 507 SH
DEFINED 507 0 0
TRIAD HOSPS INC COMMON STOCK 89579K109 0 1 SH
DEFINED 1 0 0
TRW COMMON STOCK 872649108 813 14808 SH
DEFINED 14808 0 0
TRW COMMON STOCK 872649108 5 100 SH
OTHER 100 0 0
TV GUIDE COMMON STOCK 87307Q109 440 12000 SH
DEFINED 12000 0 0
TYCO INTERNATIONAL COMMON STOCK 902124106 9194 97035 SH
DEFINED 95630 0 1405
TYCO INTERNATIONAL COMMON STOCK 902124106 1043 11012 SH
OTHER 11012 0 0
U S WEST COMMON STOCK 91273H101 509 8668 SH
DEFINED 8668 0 0
U S WEST COMMON STOCK 91273H101 186 3172 SH
OTHER 2400 0 772
UGI CORPORATION COMMON STOCK 902681105 8 400 SH
DEFINED 400 0 0
UNION CARBIDE COMMON STOCK 905581104 132 2700 SH
DEFINED 2700 0 0
UNION PACIFIC COMMON STOCK 907818108 1757 30124 SH
DEFINED 29789 0 335
UNION PACIFIC COMMON STOCK 907818108 597 10235 SH
OTHER 10235 0 0
UNION PACIFIC RESOURCES GROUP COMMON STOCK 907834105 21 1264 SH
DEFINED 1264 0 0
UNION PACIFIC RESOURCES GROUP COMMON STOCK 907834105 94 5758 SH
OTHER 5758 0 0
UNION PLANTERS COMMON STOCK 908068109 63 1400 SH
DEFINED 1400 0 0
UNIPHASE COMMON STOCK 909149106 12 75 SH
DEFINED 75 0 0
UNIT CORPORATION COMMON STOCK 909218109 16 2000 SH
OTHER 2000 0 0
UNITED DOMINION REALTY TRUST COMMON STOCK 910197102 9 800 SH
DEFINED 800 0 0
UNITED DOMINION REALTY TRUST COMMON STOCK 910197102 8 640 SH
OTHER 640 0 0
UNITED STATES EXPL INC COMMON STOCK 91182F303 1 547 SH
DEFINED 547 0 0
UNITED TECHNOLOGIES COMMON STOCK 913017109 166 2300 SH
DEFINED 2300 0 0
UNITED TECHNOLOGIES COMMON STOCK 913017109 1485 20620 SH
OTHER 20620 0 0
UNOCAL COMMON STOCK 915289102 41 1040 SH
DEFINED 1040 0 0
UNOCAL COMMON STOCK 915289102 79 2000 SH
OTHER 2000 0 0
UNUM COMMON STOCK 903192102 164 3000 SH
DEFINED 3000 0 0
USX-MARATHON GROUP COMMON STOCK 902905827 28 860 SH
DEFINED 860 0 0
USX-MARATHON GROUP COMMON STOCK 902905827 36 1100 SH
OTHER 1100 0 0
USX-U S STL GROUP COMMON STOCK 90337T101 2 69 SH
DEFINED 69 0 0
UTILICORP UNITED COMMON STOCK 918005109 31 1275 SH
DEFINED 450 0 825
UTILICORP UNITED COMMON STOCK 918005109 7 300 SH
OTHER 300 0 0
VALASSIS COMMUNICATIONS COMMON STOCK 918866104 71 1950 SH
DEFINED 1950 0 0
VALMONT INDS INC COMMON STOCK 920253101 3 200 SH
DEFINED 200 0 0
VESTA INS GROUP INC COMMON STOCK 925391104 4 800 SH
DEFINED 800 0 0
VESTAUR SECURITIES COMMON STOCK 925464109 44 3316 SH
DEFINED 3316 0 0
VIACOM COMMON STOCK 925524100 66 1500 SH
DEFINED 1500 0 0
VIGNETTE CORP COMMON STOCK 926734104 15 200 SH
OTHER 200 0 0
VISION TWENTY-ONE INC FLA COMMON STOCK 92831N101 6 700 SH
DEFINED 700 0 0
VISX COMMON STOCK 92844S105 8 100 SH
DEFINED 100 0 0
VODAFONE GROUP PLC COMMON STOCK 92857T107 30 150 SH
DEFINED 150 0 0
WADDELL & REED CLASS B COMMON STOCK 930059209 835 30926 SH
DEFINED 30926 0 0
WADDELL & REED FINANCIAL COMMON STOCK 930059100 198 7185 SH
DEFINED 7185 0 0
WAL-MART COMMON STOCK 931142103 14296 296288 SH
DEFINED 170263 0 126025
WAL-MART COMMON STOCK 931142103 1369 28380 SH
OTHER 28380 0 0
WALGREENS COMMON STOCK 931422109 31 1050 SH
DEFINED 1050 0 0
WALT DISNEY COMMON STOCK 254687106 310 10050 SH
DEFINED 10050 0 0
WALT DISNEY COMMON STOCK 254687106 310 10050 SH
OTHER 10050 0 0
WARNER LAMBERT COMMON STOCK 934488107 306 4425 SH
DEFINED 4425 0 0
WARNER LAMBERT COMMON STOCK 934488107 415 6000 SH
OTHER 6000 0 0
WASHINGTON REAL ESTATE INVESTM COMMON STOCK 939653101 30 1800 SH
DEFINED 1800 0 0
WATSON PHARMACEUTICALS COMMON STOCK 942683103 7 200 SH
DEFINED 200 0 0
WEATHERFORD INTERNATIONAL COMMON STOCK 947074100 2168 59200 SH
DEFINED 59200 0 0
WEATHERFORD INTERNATIONAL COMMON STOCK 947074100 38 1040 SH
OTHER 1040 0 0
WEBCO INDUSTRIES COMMON STOCK 947621108 10 2000 SH
DEFINED 2000 0 0
WEBSTER FINANCIAL COMMON STOCK 947890109 4 150 SH
DEFINED 150 0 0
WELLS FARGO COMMON STOCK 949746101 2136 49956 SH
DEFINED 49136 0 820
WELLS FARGO COMMON STOCK 949746101 211 4925 SH
OTHER 4925 0 0
WEST MARINE COMMON STOCK 954235107 15 1000 SH
OTHER 1000 0 0
WESTERN RESOURCES COMMON STOCK 959425109 66 2462 SH
DEFINED 2462 0 0
WESTERN RESOURCES COMMON STOCK 959425109 21 800 SH
OTHER 800 0 0
WEYERHAEUSER COMPANY COMMON STOCK 962166104 21 300 SH
DEFINED 300 0 0
WEYERHAEUSER COMPANY COMMON STOCK 962166104 34 500 SH
OTHER 500 0 0
WILLBROS GROUP COMMON STOCK 969199108 22 2600 SH
DEFINED 2600 0 0
WILLIAMS COMPANIES COMMON STOCK 969457100 6162 144784 SH
DEFINED 142899 0 1885
WILLIAMS COMPANIES COMMON STOCK 969457100 864 20300 SH
OTHER 20300 0 0
WISCONSIN ENERGY COMMON STOCK 976657106 61 2450 SH
DEFINED 2450 0 0
WISCONSIN ENERGY COMMON STOCK 976657106 8 300 SH
OTHER 300 0 0
WPS RESOURCES COMMON STOCK 92931B106 12 396 SH
DEFINED 396 0 0
WR GRACE & CO NEW COMMON STOCK 38388F108 3 167 SH
DEFINED 167 0 0
XEROX COMMON STOCK 984121103 47 800 SH
DEFINED 800 0 0
XILINX COMMON STOCK 983919101 6 100 SH
DEFINED 100 0 0
XOMA LTD COMMON STOCK G9825R107 5 800 SH
DEFINED 800 0 0
ZWEIG TOTAL RETURN FUND COMMON STOCK 989837109 9 1022 SH
OTHER 1022 0 0
ZYMETX COMMON STOCK 989859103 8 4063 SH
DEFINED 4063 0 0
BJ SVCS CO WT EXP 00/00/200 4 COMMON STOCK 055482111 1 28 SH
DEFINED N.A. N.A. N.A.
IMC GLOBAL WT EXP 00/00/200 12 COMMON STOCK 449669118 0 276 SH
DEFINED N.A. N.A. N.A.
AEGON N V COMMON STOCK 007924103 100 1352 SH
DEFINED 1352 0 0
AEGON N V COMMON STOCK 007924103 115 1560 SH
OTHER 1560 0 0
ASA LTD COMMON STOCK 002050102 20 1200 SH
OTHER 1200 0 0
ASTRAZENECA PLC COMMON STOCK 046353108 12 303 SH
DEFINED 303 0 0
GALLAHER GROUP PLC COMMON STOCK 363595109 108 4400 SH
DEFINED 4400 0 0
GALLAHER GROUP PLC COMMON STOCK 363595109 20 800 SH
OTHER 800 0 0
GLAXO WELLCOME PLC SPONSORED A COMMON STOCK 37733W105 41 725 SH
DEFINED 725 0 0
NOKIA SPONSORED ADR COMMON STOCK 654902204 55 600 SH
DEFINED 600 0 0
POTASH CORPORATION OF SASKATCH COMMON STOCK 73755L107 63 1220 SH
DEFINED 1020 0 200
REPSOL S A COMMON STOCK 76026T205 49 2400 SH
DEFINED 2400 0 0
REUTERS GROUP PLC SPONSORED AD COMMON STOCK 76132M102 28 346 SH
DEFINED 346 0 0
ROYAL DUTCH PETROLEUM COMMON STOCK 780257804 282 4675 SH
DEFINED 4675 0 0
ROYAL DUTCH PETROLEUM COMMON STOCK 780257804 45 750 SH
OTHER 750 0 0
SCHLUMBERGER COMMON STOCK 806857108 132 2080 SH
DEFINED 2080 0 0
SCHLUMBERGER COMMON STOCK 806857108 38 600 SH
OTHER 600 0 0
SHELL TRANSPORTATION & TRADING COMMON STOCK 822703609 8 180 SH
OTHER 180 0 0
SMITHKLINE BEECHAM P L C COMMON STOCK 832378301 13 200 SH
DEFINED 200 0 0
SMITHKLINE BEECHAM P L C COMMON STOCK 832378301 132 2000 SH
OTHER 2000 0 0
TEVA PHARMACEUTICAL INDUSTRIES COMMON STOCK 881624209 6 125 SH
OTHER 125 0 0
UNILEVER COMMON STOCK 904784709 2455 35202 SH
DEFINED 35202 0 0
UNILEVER COMMON STOCK 904784709 727 10423 SH
OTHER 10423 0 0
ARMCO INC PFD CONV $2.10 PREFERRED STOCK 042170209 7 200 SH
DEFINED N.A. N.A. N.A.
FELCOR LODGING TRUST PREFERRED STOCK 31430F200 8 400 SH
DEFINED N.A. N.A. N.A.
FORTUNE BRANDS $2.67 PREFERRED PREFERRED STOCK 349631200 8 40 SH
DEFINED N.A. N.A. N.A.
INNKEEPERS USA 8.625% PREFERRE PREFERRED STOCK 4576J0302 9 500 SH
DEFINED N.A. N.A. N.A.
KMART FINANCING 7.750% PREFERR PREFERRED STOCK 498778208 18 300 SH
DEFINED N.A. N.A. N.A.
ROYAL BANK SCOTLAND GROUP PLC PREFERRED STOCK 780097887 9 400 SH
DEFINED N.A. N.A. N.A.
SEALED AIR CORP NEW PFD $2 PREFERRED STOCK 81211K209 5 79 SH
DEFINED N.A. N.A. N.A.
BETHLEHEM STEEL 5.00% PREFERRE PREFERRED STOCK 087509303 11 200 SH
DEFINED N.A. N.A. N.A.
BETHLEHEM STEEL 5.00% PREFERRE PREFERRED STOCK 087509303 11 200 SH
OTHER N.A. N.A. N.A.
ROYAL BANK SCOTLAND GROUP ADR PREFERRED STOCK 780097309 10 400 SH
DEFINED N.A. N.A. N.A.
MFS INTERMEDIATE INCOME TRUST OTHER 55273C107 4 600 SH
DEFINED N.A. N.A. N.A.
MFS INTERMEDIATE INCOME TRUST OTHER 55273C107 13 2000 SH
OTHER N.A. N.A. N.A.
MORGAN STANLEY DEAN WITTER GOV OTHER 61745P106 2 200 SH
DEFINED N.A. N.A. N.A.
MORGAN STANLEY DEAN WITTER GOV OTHER 61745P106 8 1000 SH
OTHER N.A. N.A. N.A.
BLACKROCK INSD MUN 2008 TERM T OTHER 09247K109 141 9196 SH
DEFINED N.A. N.A. N.A.
COLONIAL HIGH INCOME MUN TR OTHER 195743109 20 2500 SH
OTHER N.A. N.A. N.A.
DREYFUS STRATEGIC MUN BD FD IN OTHER 26202F107 49 5587 SH
DEFINED N.A. N.A. N.A.
DREYFUS STRATEGIC MUNS INC OTHER 261932107 51 5578 SH
DEFINED N.A. N.A. N.A.
MORGAN STANLEY INSD MUNI INCOM OTHER 61745P791 90 6415 SH
OTHER N.A. N.A. N.A.
MORGAN STANLEY QUALITY MUN INC OTHER 61745P734 74 5031 SH
DEFINED N.A. N.A. N.A.
MUNIVEST FD INC OTHER 626295109 81 8491 SH
DEFINED N.A. N.A. N.A.
MUNIYIELD FD INC OTHER 626299101 68 4700 SH
DEFINED N.A. N.A. N.A.
MUNIYIELD QUALITY FD INC OTHER 626302103 26 1880 SH
DEFINED N.A. N.A. N.A.
NUVEEN INSD MUN OPPORTUNITY FD OTHER 670984103 39 2600 SH
DEFINED N.A. N.A. N.A.
NUVEEN INSD QUALITY MUN FD INC OTHER 67062N103 15 1000 SH
DEFINED N.A. N.A. N.A.
NUVEEN MUN ADVANTAGE FD INC OTHER 67062H106 90 5800 SH
DEFINED N.A. N.A. N.A.
NUVEEN MUN MKT OPPORTUNITY FD OTHER 67062W103 8 500 SH
DEFINED N.A. N.A. N.A.
NUVEEN MUNI INCOME FD INC OTHER 67062J102 12 1000 SH
DEFINED N.A. N.A. N.A.
NUVEEN MUNI VALUE FD OTHER 670928100 14 1500 SH
DEFINED N.A. N.A. N.A.
NUVEEN PERFORMANCE PLUS MUNICI OTHER 67062P108 84 5600 SH
DEFINED N.A. N.A. N.A.
NUVEEN PERFORMANCE PLUS MUNICI OTHER 67062P108 15 1000 SH
OTHER N.A. N.A. N.A.
NUVEEN PREMIUM INCOME MUN FD 4 OTHER 6706K4105 30 2119 SH
DEFINED N.A. N.A. N.A.
NUVEEN PREMIUM INCOME MUNI OTHER 67063W102 10 660 SH
DEFINED N.A. N.A. N.A.
NUVEEN SELECT QUALITY MUNI FUN OTHER 670973106 37 2500 SH
DEFINED N.A. N.A. N.A.
PUTNAM INVT GRADE MUN TR OTHER 746805100 59 4165 SH
DEFINED N.A. N.A. N.A.
PUTNAM MANAGED MUN INCOME TR OTHER 746823103 161 14183 SH
DEFINED N.A. N.A. N.A.
SMITH BARNEY INTER MUN FD INC OTHER 831802103 71 7436 SH
DEFINED N.A. N.A. N.A.
VAN KAMPEN AMERN CAP MUN INCOM OTHER 920909108 33 3432 SH
DEFINED N.A. N.A. N.A.
DURA PHARMACEUTICALS 3.500% 7 OTHER 26632SAA7 23 30000 PRN
DEFINED N.A. N.A. N.A.
KERR MCGEE CORP 7.50% 5/15/14 OTHER 492386AL1 10 10000 PRN
DEFINED N.A. N.A. N.A.
NORAM ENERGY CORP 6.000% 3 OTHER 655419AC3 23 25000 PRN
DEFINED N.A. N.A. N.A.
BLACKROCK INVT QUALITY TERM TR OTHER 09247J102 37 4400 SH
DEFINED N.A. N.A. N.A.
DEAN WITTER TCW/DW TERM TRUST OTHER 87234T101 5 529 SH
DEFINED N.A. N.A. N.A.
NUVEEN PREMIER MUN INCOME FD I OTHER 670988104 9 600 SH
DEFINED N.A. N.A. N.A.
TEMPLETON GLOBAL INCOME FD INC OTHER 880198106 3 500 SH
DEFINED N.A. N.A. N.A.
2002 TARGET TERM TR INC OTHER 902106103 72 5077 SH
DEFINED N.A. N.A. N.A.
ALL AMERN TERM TR INC OTHER 016440109 1 64 SH
DEFINED N.A. N.A. N.A.
CENTRAL EUROPEAN EQUITY FD INC OTHER 153436100 4 310 SH
DEFINED N.A. N.A. N.A.
MASS MUTUAL OTHER 576292106 67 3000 SH
OTHER N.A. N.A. N.A.
OPPENHEIMER MULTI-SECTOR INCOM OTHER 683933105 2 250 SH
DEFINED N.A. N.A. N.A.
TRANSAMERICA INCOME SHS OTHER 893506105 3 120 SH
DEFINED N.A. N.A. N.A.
VAN KAMPEN SENIOR INCOME TRUST OTHER 920961109 29 3000 SH
DEFINED N.A. N.A. N.A.
ZWEIG FD INC OTHER 989834106 2 200 SH
DEFINED N.A. N.A. N.A.
</TABLE>
