TRUST CO OF OKLAHOMA
13F-HR, 2000-07-21
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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:    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 Comptroller
PHONE:    (918)744-0553
SIGNATURE,PLACE,AND DATE OF SIGNING:

    Karen Perkins                  Tulsa, OK                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:    864

FORM 13F INFORMATION TABLE VALUE TOTAL:             $493,986
<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       25     1000 SH       DEFINED                1000        0        0
ABBOTT LABORATORIES            COMMON STOCK     002824100     6309   141579 SH       DEFINED              138734        0     2845
ABBOTT LABORATORIES            COMMON STOCK     002824100     1357    30458 SH       OTHER                 30458        0        0
ABERCROMBIE & FITCH            COMMON STOCK     002896207        6      500 SH       DEFINED                 500        0        0
ACNIELSEN                      COMMON STOCK     004833109        4      166 SH       DEFINED                 166        0        0
ACXIOM                         COMMON STOCK     005125109     1165    42750 SH       DEFINED               42250        0      500
ACXIOM                         COMMON STOCK     005125109      146     5350 SH       OTHER                  5350        0        0
ADC TELECOMMUNICATIONS         COMMON STOCK     000886101    17053   203314 SH       DEFINED              200324        0     2990
ADC TELECOMMUNICATIONS         COMMON STOCK     000886101     1751    20880 SH       OTHER                 20880        0        0
ADOBE SYS INC                  COMMON STOCK     00724F101       24      185 SH       DEFINED                 100        0       85
ADVANCED ENERGY                COMMON STOCK     007973100      116     1971 SH       OTHER                  1971        0        0
ADVANCED MICRO-DEVICES         COMMON STOCK     007903107        8      110 SH       DEFINED                   0        0      110
ADVANCED TISSUE SCIENCES INC   COMMON STOCK     00755F103        2      300 SH       OTHER                   300        0        0
AETNA                          COMMON STOCK     008117103       26      400 SH       DEFINED                 400        0        0
AFFILIATED COMPUTER SVCS INC   COMMON STOCK     008190100       38     1150 SH       DEFINED                1150        0        0
AFFYMETRIX INC                 COMMON STOCK     00826T108       50      305 SH       DEFINED                 255        0       50
AFFYMETRIX INC                 COMMON STOCK     00826T108       25      150 SH       OTHER                   150        0        0
AFLAC                          COMMON STOCK     001055102      432     9400 SH       DEFINED                9400        0        0
AGILENT TECHNOLOGIES           COMMON STOCK     00846U101     1545    20952 SH       DEFINED               20608        0      344
AGILENT TECHNOLOGIES           COMMON STOCK     00846U101      465     6301 SH       OTHER                  6301        0        0
AGL RESOURCES                  COMMON STOCK     001204106        8      480 SH       DEFINED                 480        0        0
AK STEEL HOLDING CORP          COMMON STOCK     001547108        8     1000 SH       DEFINED                1000        0        0
ALBERTSONS                     COMMON STOCK     013104104       87     2616 SH       DEFINED                2616        0        0
ALBERTSONS                     COMMON STOCK     013104104      136     4100 SH       OTHER                  4100        0        0
ALKERMES                       COMMON STOCK     01642T108      253     5360 SH       DEFINED                5360        0        0
ALLERGAN                       COMMON STOCK     018490102      210     2814 SH       DEFINED                2814        0        0
ALLERGAN                       COMMON STOCK     018490102      581     7800 SH       OTHER                  7800        0        0
ALLIANT                        COMMON STOCK     018802108       10      400 SH       DEFINED                 400        0        0
ALLSTATE                       COMMON STOCK     020002101      161     7244 SH       DEFINED                7244        0        0
ALLTEL                         COMMON STOCK     020039103       30      483 SH       DEFINED                 483        0        0
ALLTEL                         COMMON STOCK     020039103       18      296 SH       OTHER                   296        0        0
ALZA CORP                      COMMON STOCK     022615108       59     1000 SH       DEFINED                1000        0        0
AMAZON                         COMMON STOCK     023135106        4      100 SH       DEFINED                 100        0        0
AMEREN                         COMMON STOCK     023608102       47     1400 SH       DEFINED                1400        0        0
AMERICA ONLINE                 COMMON STOCK     02364J104      248     4698 SH       DEFINED                4598        0      100
AMERICA ONLINE                 COMMON STOCK     02364J104       21      400 SH       OTHER                   400        0        0
AMERICAN ELECTRIC POWER        COMMON STOCK     025537101      216     7277 SH       DEFINED                7277        0        0
AMERICAN ELECTRIC POWER        COMMON STOCK     025537101       48     1612 SH       OTHER                   900        0      712
AMERICAN EXPRESS               COMMON STOCK     025816109      212     4075 SH       DEFINED                4075        0        0
AMERICAN EXPRESS               COMMON STOCK     025816109       30      585 SH       OTHER                   585        0        0
AMERICAN GENERAL               COMMON STOCK     026351106      184     3012 SH       DEFINED                3012        0        0
AMERICAN GREETINGS             COMMON STOCK     026375105       13      700 SH       DEFINED                 700        0        0
AMERICAN HOME PRODUCTS         COMMON STOCK     026609107      677    11520 SH       DEFINED               11520        0        0
AMERICAN HOME PRODUCTS         COMMON STOCK     026609107       88     1500 SH       OTHER                  1500        0        0
AMERICAN INTERNATIONAL GROUP   COMMON STOCK     026874107    14100   120002 SH       DEFINED              119040        0      962
AMERICAN INTERNATIONAL GROUP   COMMON STOCK     026874107     2267    19293 SH       OTHER                 19293        0        0
AMERICAN POWER CONVERSION      COMMON STOCK     029066107     3097    75890 SH       DEFINED               75790        0      100
AMERICAN POWER CONVERSION      COMMON STOCK     029066107      237     5805 SH       OTHER                  5805        0        0
AMETEK                         COMMON STOCK     031100100       14      800 SH       DEFINED                 800        0        0
AMGEN                          COMMON STOCK     031162100      323     4595 SH       DEFINED                4595        0        0
AMGEN                          COMMON STOCK     031162100      573     8150 SH       OTHER                  8150        0        0
AMLI RESIDENTIAL PRPERTIES TRU COMMON STOCK     001735109       24     1000 SH       DEFINED                1000        0        0
AMPHENOL                       COMMON STOCK     032095101       60      900 SH       DEFINED                 900        0        0
ANADARKO PET                   COMMON STOCK     032511107       76     1542 SH       DEFINED                1542        0        0
ANDREW CORPORATION             COMMON STOCK     034425108       34     1000 SH       DEFINED                1000        0        0
ANGLO AMERICAN PLC ADR         COMMON STOCK     03485P102       10      220 SH       OTHER                   220        0        0
ANGLOGOLD LTD                  COMMON STOCK     035128206       32     1561 SH       OTHER                  1561        0        0
ANHEUSER BUSCH                 COMMON STOCK     035229103       12      166 SH       DEFINED                 166        0        0
APACHE                         COMMON STOCK     037411105       29      500 SH       DEFINED                 500        0        0
APPLE COMPUTER                 COMMON STOCK     037833100       52     1000 SH       DEFINED                1000        0        0
APPLIED MATERIALS              COMMON STOCK     038222105      181     2002 SH       DEFINED                1752        0      250
ARCH COAL                      COMMON STOCK     039380100        1       82 SH       DEFINED                  82        0        0
ARCHER DANIELS MIDLAND         COMMON STOCK     039483102       30     3013 SH       DEFINED                3013        0        0
ARCHER DANIELS MIDLAND         COMMON STOCK     039483102       41     4199 SH       OTHER                  4199        0        0
ARIBA                          COMMON STOCK     04033V104        8       80 SH       DEFINED                  80        0        0
ARM HLDGS PLC SPONSORED ADR    COMMON STOCK     042068106        8      250 SH       DEFINED                   0        0      250
ARROW ELECTRONICS              COMMON STOCK     042735100      131     4240 SH       DEFINED                4000        0      240
ASHLAND                        COMMON STOCK     044204105       12      337 SH       DEFINED                 337        0        0
ASSOCIATES FIRST CAPITAL       COMMON STOCK     046008108       98     4378 SH       DEFINED                4378        0        0
AT&T                           COMMON STOCK     001957109     1916    60592 SH       DEFINED               58912        0     1680
AT&T                           COMMON STOCK     001957109      426    13468 SH       OTHER                 10648        0     2820
AT&T LIBERTY MEDIA GROUP       COMMON STOCK     001957208       82     3400 SH       DEFINED                3400        0        0
ATMEL                          COMMON STOCK     049513104        7      200 SH       DEFINED                 200        0        0
AUTOMATIC DATA PROCESSING      COMMON STOCK     053015103     5514   102937 SH       DEFINED              100067        0     2870
AUTOMATIC DATA PROCESSING      COMMON STOCK     053015103      727    13575 SH       OTHER                 13575        0        0
AVNET                          COMMON STOCK     053807103      124     2100 SH       DEFINED                2100        0        0
AVON PRODUCTS                  COMMON STOCK     054303102       27      600 SH       DEFINED                 600        0        0
AVON PRODUCTS                  COMMON STOCK     054303102       89     2000 SH       OTHER                  2000        0        0
AXA FINANCIAL                  COMMON STOCK     002451102        4      104 SH       DEFINED                 104        0        0
BAKER HUGHES                   COMMON STOCK     057224107        3      100 SH       DEFINED                 100        0        0
BAKER HUGHES                   COMMON STOCK     057224107       52     1613 SH       OTHER                  1613        0        0
BALDOR ELECTRIC                COMMON STOCK     057741100        9      475 SH       DEFINED                 475        0        0
BALLARD PWR SYS                COMMON STOCK     05858H104       22      250 SH       DEFINED                   0        0      250
BANCWEST                       COMMON STOCK     059790105      107     6492 SH       DEFINED                6492        0        0
BANK OF AMERICA                COMMON STOCK     060505104      935    21737 SH       DEFINED               21737        0        0
BANK OF AMERICA                COMMON STOCK     060505104      644    14976 SH       OTHER                 14976        0        0
BANK ONE                       COMMON STOCK     06423A103      323    12152 SH       DEFINED               12152        0        0
BANK ONE                       COMMON STOCK     06423A103      187     7030 SH       OTHER                  7030        0        0
BARNES & NOBLE INC             COMMON STOCK     067774109       16      700 SH       DEFINED                 700        0        0
BARRETT RESOURCES              COMMON STOCK     068480201       18      578 SH       DEFINED                 578        0        0
BATTLE MOUNTAIN GOLD           COMMON STOCK     071593107        2      729 SH       DEFINED                 729        0        0
BCE INC                        COMMON STOCK     05534B109       10      400 SH       DEFINED                 400        0        0
BECTON DICKINSON & CO          COMMON STOCK     075887109      442    15400 SH       DEFINED               15400        0        0
BECTON DICKINSON & CO          COMMON STOCK     075887109       52     1800 SH       OTHER                  1800        0        0
BELL ATLANTIC                  COMMON STOCK     077853109     1093    21502 SH       DEFINED               21502        0        0
BELL ATLANTIC                  COMMON STOCK     077853109      226     4438 SH       OTHER                  1780        0     2658
BELLSOUTH                      COMMON STOCK     079860102     1129    26497 SH       DEFINED               26497        0        0
BELLSOUTH                      COMMON STOCK     079860102      555    13024 SH       OTHER                  9640        0     3384
BELO A H CORP                  COMMON STOCK     080555105      519    30000 SH       DEFINED               30000        0        0
BERGEN BRUNSWIG                COMMON STOCK     083739102        2      400 SH       DEFINED                 400        0        0
BERKSHIRE ENERGY RESOURCES     COMMON STOCK     084644103       11      300 SH       OTHER                   300        0        0
BERKSHIRE HATHAWAY CLASS B     COMMON STOCK     084670207      310      176 SH       DEFINED                 176        0        0
BEST BUY                       COMMON STOCK     086516101     3034    47975 SH       DEFINED               47705        0      270
BEST BUY                       COMMON STOCK     086516101      324     5120 SH       OTHER                  5120        0        0
BESTFOODS                      COMMON STOCK     08658U101      153     2210 SH       DEFINED                2210        0        0
BIO TECHNOLOGY GEN CORP        COMMON STOCK     090578105        1      100 SH       DEFINED                   0        0      100
BIOGEN                         COMMON STOCK     090597105       49      755 SH       DEFINED                 255        0      500
BIOMET                         COMMON STOCK     090613100      173     4500 SH       DEFINED                4500        0        0
BIOPURE                        COMMON STOCK     09065H105        4      200 SH       OTHER                   200        0        0
BJS WHOLESALE CLUB             COMMON STOCK     05548J106       33     1000 SH       DEFINED                1000        0        0
BLACKROCK TARGET TERM TR       COMMON STOCK     092476100       19     2000 SH       DEFINED                2000        0        0
BMC SOFTWARE                   COMMON STOCK     055921100      101     2760 SH       DEFINED                2760        0        0
BOEING                         COMMON STOCK     097023105       93     2233 SH       DEFINED                2233        0        0
BOEING                         COMMON STOCK     097023105      151     3600 SH       OTHER                  3600        0        0
BOISE CASCADE CORPORATION      COMMON STOCK     097383103        9      333 SH       OTHER                   333        0        0
BOK FINANCIAL                  COMMON STOCK     05561Q201      769    43800 SH       DEFINED               43800        0        0
BOMBAY INC                     COMMON STOCK     097924104        0      100 SH       DEFINED                 100        0        0
BOSTON SCIENTIFIC              COMMON STOCK     101137107       50     2300 SH       DEFINED                2300        0        0
BP AMOCO PLC                   COMMON STOCK     055622104    17347   306680 SH       DEFINED              303337        0     3343
BP AMOCO PLC                   COMMON STOCK     055622104     4917    86927 SH       OTHER                 86219        0      708
BRAUNS FASHIONS                COMMON STOCK     105658108       55     1500 SH       DEFINED                1500        0        0
BRE PPTYS INC CL A             COMMON STOCK     05564E106       43     1500 SH       DEFINED                1500        0        0
BRINKER INTERNATIONAL          COMMON STOCK     109641100        9      300 SH       DEFINED                 300        0        0
BRINKER INTERNATIONAL          COMMON STOCK     109641100       18      600 SH       OTHER                   600        0        0
BRISTOL MYERS SQUIBB           COMMON STOCK     110122108     7053   121088 SH       DEFINED              119378        0     1710
BRISTOL MYERS SQUIBB           COMMON STOCK     110122108     1745    29964 SH       OTHER                 29964        0        0
BROADCOM                       COMMON STOCK     111320107      175      800 SH       DEFINED                 800        0        0
BROADVISION                    COMMON STOCK     111412102       23      450 SH       DEFINED                 450        0        0
BUCKEYE PARTNERS L P           COMMON STOCK     118230101       60     2220 SH       OTHER                  2220        0        0
BURLINGTON NORTHERN SANTA FE   COMMON STOCK     12189T104       90     3915 SH       DEFINED                3915        0        0
BURLINGTON RESOURCES           COMMON STOCK     122014103      108     2833 SH       DEFINED                2833        0        0
BURLINGTON RESOURCES           COMMON STOCK     122014103      400    10457 SH       OTHER                 10457        0        0
CALIFORNIA WTR SVC GRP HLDG CO COMMON STOCK     130788102        5      216 SH       DEFINED                 216        0        0
CALPINE                        COMMON STOCK     131347106       54      820 SH       DEFINED                 820        0        0
CAMDEN PROPERTY TRUST          COMMON STOCK     133131102        8      286 SH       DEFINED                 286        0        0
CANADA SOUTHN PETE LTD         COMMON STOCK     135231108       13     2000 SH       DEFINED                2000        0        0
CARDINAL HEALTH INC            COMMON STOCK     14149Y108        7      100 SH       DEFINED                 100        0        0
CARDIODYNAMICS INTL            COMMON STOCK     141597104        1      200 SH       DEFINED                 200        0        0
CARNIVAL CORP                  COMMON STOCK     143658102     1652    84705 SH       DEFINED               81165        0     3540
CARNIVAL CORP                  COMMON STOCK     143658102      144     7375 SH       OTHER                  7375        0        0
CARRINGTON LABS INC            COMMON STOCK     144525102        5     2300 SH       DEFINED                2300        0        0
CATALINA MARKETING CORP        COMMON STOCK     148867104     1419    13915 SH       DEFINED               13915        0        0
CATALINA MARKETING CORP        COMMON STOCK     148867104      122     1200 SH       OTHER                  1200        0        0
CATELLUS DEVELOPMENT           COMMON STOCK     149111106        8      525 SH       DEFINED                 525        0        0
CATO CORP                      COMMON STOCK     149205106       12     1000 SH       DEFINED                1000        0        0
CENDANT                        COMMON STOCK     151313103     1978   141310 SH       DEFINED              137600        0     3710
CENDANT                        COMMON STOCK     151313103      155    11080 SH       OTHER                 11080        0        0
CENTIGRAM COMMUNICATIONS       COMMON STOCK     152317103        1       40 SH       DEFINED                  40        0        0
CENTRAL NEWSPAPERS             COMMON STOCK     154647101       76     1200 SH       DEFINED                1200        0        0
CENTURY ALUM CO                COMMON STOCK     156431108        5      500 SH       DEFINED                 500        0        0
CENTURY BUSINESS SERVICES      COMMON STOCK     156490104        1      450 SH       DEFINED                 450        0        0
CERIDIAN CORP                  COMMON STOCK     15677T106       48     2000 SH       DEFINED                2000        0        0
CHARMING SHOPPES INC           COMMON STOCK     161133103       10     2000 SH       DEFINED                2000        0        0
CHARTER COMMUNICATIONS INC DEL COMMON STOCK     16117M107       31     1900 SH       DEFINED                1900        0        0
CHASE MANHATTAN                COMMON STOCK     16161A108      404     8769 SH       DEFINED                8769        0        0
CHECK POINT SOFTWARE TECH      COMMON STOCK     M22465104       34      160 SH       DEFINED                 160        0        0
CHELSEA GCA RLTY INC           COMMON STOCK     163262108       35     1000 SH       DEFINED                1000        0        0
CHEVRON                        COMMON STOCK     166751107     2405    28360 SH       DEFINED               28360        0        0
CHEVRON                        COMMON STOCK     166751107      839     9888 SH       OTHER                  9888        0        0
CHICOS FAS INC                 COMMON STOCK     168615102        6      300 SH       DEFINED                 300        0        0
CHINADOTCOM                    COMMON STOCK     G2108N109        8      400 SH       DEFINED                 400        0        0
CHIRON                         COMMON STOCK     170040109       86     1800 SH       DEFINED                1600        0      200
CIGNA                          COMMON STOCK     125509109      122     1304 SH       DEFINED                1304        0        0
CINERGY                        COMMON STOCK     172474108       50     1985 SH       DEFINED                1985        0        0
CINERGY                        COMMON STOCK     172474108       36     1409 SH       OTHER                  1409        0        0
CISCO SYSTEMS                  COMMON STOCK     17275R102    11553   181757 SH       DEFINED              179655        0     2102
CISCO SYSTEMS                  COMMON STOCK     17275R102     1429    22481 SH       OTHER                 22481        0        0
CITIGROUP                      COMMON STOCK     172967101      939    15591 SH       DEFINED               15591        0        0
CITIGROUP                      COMMON STOCK     172967101       82     1365 SH       OTHER                  1365        0        0
CITRIX SYSTEMS                 COMMON STOCK     177376100        2      100 SH       OTHER                   100        0        0
CLOROX                         COMMON STOCK     189054109        9      200 SH       OTHER                   200        0        0
CMGI INC COM                   COMMON STOCK     125750109       29      642 SH       DEFINED                 642        0        0
COASTAL CORPORATION            COMMON STOCK     190441105      536     8800 SH       DEFINED                8800        0        0
COCA-COLA                      COMMON STOCK     191216100      662    11522 SH       DEFINED               11522        0        0
COCA-COLA                      COMMON STOCK     191216100      311     5420 SH       OTHER                  5420        0        0
COGNEX                         COMMON STOCK     192422103       34      656 SH       DEFINED                 656        0        0
COLGATE PALMOLIVE              COMMON STOCK     194162103        6      100 SH       DEFINED                 100        0        0
COMCAST                        COMMON STOCK     200300200      122     3000 SH       DEFINED                3000        0        0
COMDISCO INC                   COMMON STOCK     200336105        4      200 SH       DEFINED                 200        0        0
COMPAQ COMPUTER                COMMON STOCK     204493100      236     9222 SH       DEFINED                9222        0        0
COMPAQ COMPUTER                COMMON STOCK     204493100       10      400 SH       OTHER                   400        0        0
COMPUTER ASSOCIATES INTERNATIO COMMON STOCK     204912109      126     2456 SH       DEFINED                2456        0        0
COMPUTER SCIENCES              COMMON STOCK     205363104     3000    40165 SH       DEFINED               39280        0      885
COMPUTER SCIENCES              COMMON STOCK     205363104      540     7230 SH       OTHER                  7230        0        0
COMPUWARE                      COMMON STOCK     205638109       54     5200 SH       DEFINED                5200        0        0
CONAGRA                        COMMON STOCK     205887102     2815   147666 SH       DEFINED              144061        0     3605
CONAGRA                        COMMON STOCK     205887102      389    20415 SH       OTHER                 20415        0        0
CONCORD COMPUTING              COMMON STOCK     206197105      678    26075 SH       DEFINED               26075        0        0
CONCORD COMPUTING              COMMON STOCK     206197105       31     1175 SH       OTHER                  1175        0        0
CONEXANT SYSTEMS               COMMON STOCK     207142100       68     1400 SH       DEFINED                1400        0        0
CONOCO                         COMMON STOCK     208251306       11      500 SH       OTHER                   500        0        0
CONOCO                         COMMON STOCK     208251405      190     7750 SH       DEFINED                7750        0        0
CONSOLIDATED EDISON            COMMON STOCK     209115104        6      200 SH       DEFINED                 200        0        0
CORIXA                         COMMON STOCK     21887F100        9      202 SH       DEFINED                 202        0        0
CORNERSTONE PROPANE PARTNERS L COMMON STOCK     218916104        6      400 SH       DEFINED                 400        0        0
CORNING                        COMMON STOCK     219350105     1742     6455 SH       DEFINED                6315        0      140
CORNING                        COMMON STOCK     219350105      200      740 SH       OTHER                   740        0        0
COSTCO WHOLESALE               COMMON STOCK     22160K105      243     7350 SH       DEFINED                7350        0        0
COUNTRYWIDE CREDIT INDUSTRIES  COMMON STOCK     222372104       39     1300 SH       DEFINED                1300        0        0
COX COMMUNICATIONS             COMMON STOCK     224044107       21      456 SH       DEFINED                 456        0        0
COX RADIO CL A                 COMMON STOCK     224051102        8      300 SH       OTHER                   300        0        0
CR BARD                        COMMON STOCK     067383109       39      800 SH       DEFINED                 800        0        0
CREE                           COMMON STOCK     225447101       10       75 SH       DEFINED                   0        0       75
CROMPTON                       COMMON STOCK     227116100       19     1552 SH       DEFINED                1552        0        0
CSX CORP                       COMMON STOCK     126408103       13      600 SH       DEFINED                 600        0        0
CVS CORP                       COMMON STOCK     126650100      226     5643 SH       DEFINED                5643        0        0
CVS CORP                       COMMON STOCK     126650100       85     2116 SH       OTHER                  2116        0        0
DALLAS SEMICONDUCTOR           COMMON STOCK     235204104       33      800 SH       DEFINED                 800        0        0
DANA                           COMMON STOCK     235811106      310    14620 SH       DEFINED               14620        0        0
DANA                           COMMON STOCK     235811106       96     4550 SH       OTHER                  4550        0        0
DELL COMPUTER                  COMMON STOCK     247025109      122     2477 SH       DEFINED                1977        0      500
DELPHI AUTOMOTIVE SYSTEMS      COMMON STOCK     247126105       23     1605 SH       DEFINED                1605        0        0
DELPHI AUTOMOTIVE SYSTEMS      COMMON STOCK     247126105        4      243 SH       OTHER                   104        0      139
DELUXE                         COMMON STOCK     248019101       24     1000 SH       DEFINED                1000        0        0
DENDRITE                       COMMON STOCK     248239105       60     1800 SH       DEFINED                1800        0        0
DENTSPLY INTERNATIONAL         COMMON STOCK     249030107        8      275 SH       DEFINED                 275        0        0
DEVON ENERGY                   COMMON STOCK     25179M103       12      217 SH       DEFINED                 217        0        0
DEVON ENERGY                   COMMON STOCK     25179M103       20      349 SH       OTHER                   349        0        0
DEVRY                          COMMON STOCK     251893103       34     1300 SH       DEFINED                1300        0        0
DIGITAL MICROWAVE              COMMON STOCK     253859102      287     7522 SH       OTHER                  7522        0        0
DILLARD'S                      COMMON STOCK     254067101        6      500 SH       DEFINED                 500        0        0
DIONEX                         COMMON STOCK     254546104      891    33300 SH       DEFINED               33300        0        0
DIONEX                         COMMON STOCK     254546104       68     2550 SH       OTHER                  2550        0        0
DISNEY WALT HOLDING COMPANY    COMMON STOCK     254687106      514    13250 SH       DEFINED               13250        0        0
DISNEY WALT HOLDING COMPANY    COMMON STOCK     254687106      403    10375 SH       OTHER                 10375        0        0
DOLLAR GENERAL                 COMMON STOCK     256669102       49     2537 SH       DEFINED                2537        0        0
DOMINION RESOURCES VA NEW      COMMON STOCK     25746U109       37      852 SH       DEFINED                 852        0        0
DONNA KARAN INTL               COMMON STOCK     257826107        3      500 SH       DEFINED                 500        0        0
DOVER                          COMMON STOCK     260003108       93     2293 SH       DEFINED                2293        0        0
DOVER                          COMMON STOCK     260003108     1163    28676 SH       OTHER                 28676        0        0
DOW CHEMICAL                   COMMON STOCK     260543103       32     1050 SH       DEFINED                1050        0        0
DQE                            COMMON STOCK     23329J104       41     1050 SH       OTHER                  1050        0        0
DU PONT EI DENEMOURS           COMMON STOCK     263534109      162     3699 SH       DEFINED                3699        0        0
DU PONT EI DENEMOURS           COMMON STOCK     263534109      254     5803 SH       OTHER                  5623        0      180
DUKE POWER                     COMMON STOCK     264399106      146     2590 SH       DEFINED                2590        0        0
DUKE POWER                     COMMON STOCK     264399106       46      824 SH       OTHER                   824        0        0
DUN & BRADSTREET               COMMON STOCK     26483B106      195     6800 SH       DEFINED                6800        0        0
DUN & BRADSTREET               COMMON STOCK     26483B106      177     6200 SH       OTHER                  6200        0        0
DURA PHARMACEUTICALS           COMMON STOCK     26632S109       12      800 SH       DEFINED                 800        0        0
DYCOM INDUSTRIES               COMMON STOCK     267475101     1634    35530 SH       DEFINED               35530        0        0
DYCOM INDUSTRIES               COMMON STOCK     267475101      124     2706 SH       OTHER                  2706        0        0
E M C                          COMMON STOCK     268648102     1009    13110 SH       DEFINED               12910        0      200
E M C                          COMMON STOCK     268648102       88     1150 SH       OTHER                  1150        0        0
E SPIRE COMMUNICATIONS         COMMON STOCK     269153102        3      500 SH       DEFINED                   0        0      500
E-TEK DYNAMICS                 COMMON STOCK     269240107       13       50 SH       DEFINED                  50        0        0
EARTHSHELL                     COMMON STOCK     27032B100       61    20000 SH       DEFINED               20000        0        0
EASTMAN KODAK                  COMMON STOCK     277461109        4       59 SH       DEFINED                   0        0       59
EASTMAN KODAK                  COMMON STOCK     277461109       30      500 SH       OTHER                   500        0        0
EDISON INTERNATIONAL           COMMON STOCK     281020107       29     1423 SH       DEFINED                1423        0        0
EEX CORP                       COMMON STOCK     26842V207        0       75 SH       DEFINED                  75        0        0
EL PASO ENERGY                 COMMON STOCK     283905107     3714    72922 SH       DEFINED               72922        0        0
EL PASO ENERGY                 COMMON STOCK     283905107      783    15381 SH       OTHER                 15381        0        0
ELAN PLC ADR                   COMMON STOCK     284131208      329     6800 SH       DEFINED                6800        0        0
ELECTRIC FUEL CORP             COMMON STOCK     284871100        6      370 SH       DEFINED                 370        0        0
ELECTRONIC DATA SYSTEMS        COMMON STOCK     285661104      132     3200 SH       OTHER                  3200        0        0
ELI LILLY                      COMMON STOCK     532457108      752     7530 SH       DEFINED                7530        0        0
ELI LILLY                      COMMON STOCK     532457108      629     6301 SH       OTHER                  6301        0        0
EMERSON ELECTRIC               COMMON STOCK     291011104     7147   118371 SH       DEFINED              118371        0        0
EMERSON ELECTRIC               COMMON STOCK     291011104       48      800 SH       OTHER                   800        0        0
EMPIRE DISTRICT ELECTRIC       COMMON STOCK     291641108       25     1116 SH       OTHER                  1116        0        0
ENRON                          COMMON STOCK     293561106      760    11780 SH       DEFINED               11780        0        0
ENRON                          COMMON STOCK     293561106      145     2250 SH       OTHER                  2250        0        0
ENSCO INTERNATIONAL            COMMON STOCK     26874Q100       54     1500 SH       DEFINED                1500        0        0
ENTERGY                        COMMON STOCK     29364G103        6      221 SH       DEFINED                 221        0        0
ENTRUST TECHNOLOGIES           COMMON STOCK     293848107        8      100 SH       DEFINED                   0        0      100
EQUITY OFFICE PROPERTIES TRUST COMMON STOCK     294741103        2       70 SH       DEFINED                  70        0        0
EQUITY RESIDENTIAL PROPERTIES  COMMON STOCK     29476L107      177     3850 SH       DEFINED                3850        0        0
EQUITY RESIDENTIAL PROPERTIES  COMMON STOCK     29476L107        6      125 SH       OTHER                   125        0        0
EVOLVING SYSTEMS               COMMON STOCK     30049R100        1      100 SH       DEFINED                 100        0        0
EXCELSIOR INCOME SHARES        COMMON STOCK     300723103        7      494 SH       DEFINED                 494        0        0
EXODUS COMMUNICATIONS INC      COMMON STOCK     302088109       18      400 SH       DEFINED                 400        0        0
EXXON MOBIL                    COMMON STOCK     30231G102    17027   216905 SH       DEFINED              215725        0     1180
EXXON MOBIL                    COMMON STOCK     30231G102    10719   136543 SH       OTHER                136543        0        0
FAMILY DOLLAR STORES           COMMON STOCK     307000109        1       75 SH       DEFINED                  75        0        0
FANNIE MAE                     COMMON STOCK     313586109     4281    82037 SH       DEFINED               80052        0     1985
FANNIE MAE                     COMMON STOCK     313586109     1592    30500 SH       OTHER                 30500        0        0
FEDERAL HOME LOAN MORTGAGE COR COMMON STOCK     313400301      164     4050 SH       DEFINED                4050        0        0
FIRST DATA                     COMMON STOCK     319963104      558    11250 SH       DEFINED               11250        0        0
FIRST DATA                     COMMON STOCK     319963104      109     2205 SH       OTHER                  2205        0        0
FIRST INDUSTRIAL REALTY TRUST  COMMON STOCK     32054K103     1033    35015 SH       DEFINED               34615        0      400
FIRST INDUSTRIAL REALTY TRUST  COMMON STOCK     32054K103      313    10625 SH       OTHER                 10625        0        0
FIRST SECURITY                 COMMON STOCK     336294103       40     2955 SH       DEFINED                2955        0        0
FIRST TENNESSEE NATIONAL       COMMON STOCK     337162101        6      382 SH       DEFINED                 382        0        0
FIRST UNION                    COMMON STOCK     337358105       89     3600 SH       DEFINED                3600        0        0
FIRSTAR WISC                   COMMON STOCK     33763V109       50     2352 SH       DEFINED                2352        0        0
FIRSTENERGY CORP               COMMON STOCK     337932107       16      700 SH       DEFINED                 700        0        0
FIRSTMERIT                     COMMON STOCK     337915102       11      500 SH       DEFINED                 500        0        0
FLEMING COS INC                COMMON STOCK     339130106        7      500 SH       DEFINED                 500        0        0
FLEXTRONICS INTL               COMMON STOCK     Y2573F102      152     2219 SH       OTHER                  2219        0        0
FORD                           COMMON STOCK     345370100      437    10157 SH       DEFINED               10157        0        0
FORD                           COMMON STOCK     345370100       16      374 SH       OTHER                   374        0        0
FOREST OIL CORP                COMMON STOCK     346091606       10      600 SH       DEFINED                 600        0        0
FORTIS SECS INC                COMMON STOCK     34955T100        1      100 SH       DEFINED                 100        0        0
FORTUNE BRANDS                 COMMON STOCK     349631101       74     3200 SH       DEFINED                3200        0        0
FORTUNE BRANDS                 COMMON STOCK     349631101       18      800 SH       OTHER                   800        0        0
FOSSIL                         COMMON STOCK     349882100       12      600 SH       DEFINED                 600        0        0
FPL GROUP                      COMMON STOCK     302571104       10      200 SH       DEFINED                 200        0        0
GANNETT                        COMMON STOCK     364730101      732    12230 SH       DEFINED               12230        0        0
GANNETT                        COMMON STOCK     364730101       60     1000 SH       OTHER                  1000        0        0
GAP                            COMMON STOCK     364760108      129     4139 SH       DEFINED                4139        0        0
GAP                            COMMON STOCK     364760108      125     4000 SH       OTHER                  4000        0        0
GARTNER CL B                   COMMON STOCK     366651206        2      182 SH       DEFINED                 182        0        0
GARTNER CL B                   COMMON STOCK     366651206       14     1431 SH       OTHER                  1431        0        0
GARTNER GROUP                  COMMON STOCK     366651107       37     3100 SH       DEFINED                3100        0        0
GEMSTAR INTERNATIONAL          COMMON STOCK     G3788V106       92     1500 SH       DEFINED                1500        0        0
GEMSTAR INTERNATIONAL          COMMON STOCK     G3788V106       21      345 SH       OTHER                   345        0        0
GENE LOGIC                     COMMON STOCK     368689105       11      300 SH       DEFINED                   0        0      300
GENENTECH                      COMMON STOCK     368710406      220     1280 SH       DEFINED                1160        0      120
GENERAL DYNAMICS CORP          COMMON STOCK     369550108       52     1000 SH       DEFINED                1000        0        0
GENERAL ELECTRIC               COMMON STOCK     369604103    26309   496394 SH       DEFINED              491494        0     4900
GENERAL ELECTRIC               COMMON STOCK     369604103    19139   361109 SH       OTHER                361109        0        0
GENERAL MOTORS                 COMMON STOCK     370442105      188     3238 SH       DEFINED                3238        0        0
GENERAL MOTORS                 COMMON STOCK     370442105       20      350 SH       OTHER                   150        0      200
GENERAL MOTORS CLASS H         COMMON STOCK     370442832        6       66 SH       DEFINED                  66        0        0
GENESIS ENERGY L P             COMMON STOCK     371927104        3      500 SH       DEFINED                 500        0        0
GENTA                          COMMON STOCK     37245M207        7     1000 SH       DEFINED                1000        0        0
GENTEX                         COMMON STOCK     371901109        4      150 SH       DEFINED                 150        0        0
GEORGIA PACIFIC                COMMON STOCK     373298108       69     2624 SH       DEFINED                2624        0        0
GEORGIA PACIFIC TIMBER GROUP   COMMON STOCK     373298702       66     3059 SH       DEFINED                3059        0        0
GILLETTE                       COMMON STOCK     375766102      123     3529 SH       DEFINED                3529        0        0
GILLETTE                       COMMON STOCK     375766102      127     3633 SH       OTHER                  3633        0        0
GLIMCHER REALTY TRUST          COMMON STOCK     379302102       10      705 SH       DEFINED                 705        0        0
GLOBAL CROSSING LTD            COMMON STOCK     G3921A100        3      100 SH       DEFINED                   0        0      100
GLOBAL CROSSING LTD            COMMON STOCK     G3921A100        1       50 SH       OTHER                    50        0        0
GOLD BANC CORP INC             COMMON STOCK     379907108      980   196012 SH       DEFINED              196012        0        0
GOODYEAR TIRE & RUBBER         COMMON STOCK     382550101        1       72 SH       DEFINED                   0        0       72
GOODYS FAMILY CLOTHING         COMMON STOCK     382588101       14     2500 SH       DEFINED                2500        0        0
GO2NET INC                     COMMON STOCK     383486107        3       50 SH       OTHER                    50        0        0
GRAINGER (W.W.)                COMMON STOCK     384802104        9      300 SH       DEFINED                 300        0        0
GRAINGER (W.W.)                COMMON STOCK     384802104       42     1365 SH       OTHER                  1365        0        0
GRANT PRIDECO                  COMMON STOCK     38821G101       26     1040 SH       OTHER                  1040        0        0
GREAT ATLANTIC & PAC TEA INC   COMMON STOCK     390064103        2      131 SH       OTHER                   131        0        0
GREAT LAKES CHEMICAL           COMMON STOCK     390568103       83     2650 SH       DEFINED                2650        0        0
GTE                            COMMON STOCK     362320103     7298   117231 SH       DEFINED              114939        0     2292
GTE                            COMMON STOCK     362320103     1317    21153 SH       OTHER                 21153        0        0
H&R BLOCK                      COMMON STOCK     093671105       91     2800 SH       DEFINED                2800        0        0
HALLIBURTON                    COMMON STOCK     406216101      378     8000 SH       DEFINED                8000        0        0
HANCOCK JOHN FINL SVCS INC     COMMON STOCK     41014S106       25     1046 SH       OTHER                  1046        0        0
HARLEY DAVIDSON                COMMON STOCK     412822108       23      600 SH       DEFINED                 600        0        0
HARLEY DAVIDSON                COMMON STOCK     412822108       46     1200 SH       OTHER                  1200        0        0
HARTE HANKS                    COMMON STOCK     416196103       55     2200 SH       DEFINED                2200        0        0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104       25      450 SH       DEFINED                 450        0        0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104       11      200 SH       OTHER                   200        0        0
HCA-HEALTHCARE                 COMMON STOCK     404119109        0       10 SH       DEFINED                  10        0        0
HELMERICH & PAYNE              COMMON STOCK     423452101       33      870 SH       DEFINED                 870        0        0
HELMERICH & PAYNE              COMMON STOCK     423452101      151     4034 SH       OTHER                  4034        0        0
HERMAN MILLER                  COMMON STOCK     600544100     1144    44209 SH       DEFINED               41479        0     2730
HERMAN MILLER                  COMMON STOCK     600544100       59     2270 SH       OTHER                  2270        0        0
HERSHEY FOODS                  COMMON STOCK     427866108       39      800 SH       DEFINED                 800        0        0
HERSHEY FOODS                  COMMON STOCK     427866108       53     1100 SH       OTHER                  1100        0        0
HEWLETT-PACKARD                COMMON STOCK     428236103     6965    55778 SH       DEFINED               54568        0     1210
HEWLETT-PACKARD                COMMON STOCK     428236103     2031    16264 SH       OTHER                 16264        0        0
HIBERNIA                       COMMON STOCK     428656102        5      500 SH       DEFINED                 500        0        0
HILTON HOTELS CORP             COMMON STOCK     432848109        4      500 SH       OTHER                   500        0        0
HJ HEINZ                       COMMON STOCK     423074103      212     4850 SH       DEFINED                4850        0        0
HJ HEINZ                       COMMON STOCK     423074103       22      500 SH       OTHER                   500        0        0
HOME DEPOT                     COMMON STOCK     437076102     1964    39326 SH       DEFINED               39326        0        0
HOME DEPOT                     COMMON STOCK     437076102       60     1200 SH       OTHER                  1200        0        0
HONEYWELL INTL                 COMMON STOCK     438516106       70     2075 SH       DEFINED                2075        0        0
HONEYWELL INTL                 COMMON STOCK     438516106      152     4500 SH       OTHER                  4500        0        0
HOST MARRIOTT                  COMMON STOCK     44107P104       76     8055 SH       DEFINED                8055        0        0
HRPT PROPERTY TRUST            COMMON STOCK     40426W101        1      125 SH       OTHER                   125        0        0
HUMAN GENOME SCIENCES INC      COMMON STOCK     444903108      100      750 SH       DEFINED                 750        0        0
HUMAN GENOME SCIENCES INC      COMMON STOCK     444903108        9       70 SH       OTHER                    70        0        0
HUNTINGTON BANCSHARES          COMMON STOCK     446150104      159    10080 SH       DEFINED               10080        0        0
IDACORP                        COMMON STOCK     451107106       23      710 SH       DEFINED                 710        0        0
IMATION CORP                   COMMON STOCK     45245A107        1       20 SH       OTHER                    20        0        0
IMMUNOMEDICS                   COMMON STOCK     452907108      123     5000 SH       DEFINED                5000        0        0
IMS HEALTH                     COMMON STOCK     449934108       65     3600 SH       DEFINED                3600        0        0
IMS HEALTH                     COMMON STOCK     449934108      223    12400 SH       OTHER                 12400        0        0
INCYTE GENOMICS                COMMON STOCK     45337C102       20      240 SH       DEFINED                 150        0       90
INCYTE GENOMICS                COMMON STOCK     45337C102       13      160 SH       OTHER                   160        0        0
INDUSTRIAL DISTRIBUTION GROUP  COMMON STOCK     456061100        3     1200 SH       DEFINED                1200        0        0
INGERSOLL RAND                 COMMON STOCK     456866102       16      400 SH       DEFINED                 400        0        0
INKTOMI                        COMMON STOCK     457277101       12      100 SH       DEFINED                 100        0        0
INTEL                          COMMON STOCK     458140100    14953   111854 SH       DEFINED              110154        0     1700
INTEL                          COMMON STOCK     458140100     2000    14960 SH       OTHER                 14960        0        0
INTERMEDIA COMMUNICATIONS      COMMON STOCK     458801107        1       50 SH       DEFINED                  50        0        0
INTERNATIONAL BUSINESS MACHINE COMMON STOCK     459200101      622     5681 SH       DEFINED                5681        0        0
INTERNATIONAL BUSINESS MACHINE COMMON STOCK     459200101      300     2735 SH       OTHER                  2735        0        0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK     459506101       48     1600 SH       DEFINED                1600        0        0
INTERNATIONAL PAPER            COMMON STOCK     460146103       72     2400 SH       DEFINED                2400        0        0
INTERNATIONAL PAPER            COMMON STOCK     460146103       36     1220 SH       OTHER                  1220        0        0
INTERNET CAPITAL GROUP         COMMON STOCK     46059C106        4      100 SH       DEFINED                 100        0        0
INTERPUBLIC GROUP OF COMPANIES COMMON STOCK     460690100      157     3650 SH       DEFINED                3650        0        0
INTERPUBLIC GROUP OF COMPANIES COMMON STOCK     460690100      305     7100 SH       OTHER                  7100        0        0
IONICS INC                     COMMON STOCK     462218108        8      250 SH       DEFINED                 250        0        0
IPALCO ENTERPRISES             COMMON STOCK     462613100       20     1000 SH       DEFINED                1000        0        0
IT GROUP INC (FORMERLY INTERNA COMMON STOCK     465266104        1      250 SH       DEFINED                 250        0        0
IT GROUP INC (FORMERLY INTERNA COMMON STOCK     465266104       24     5000 SH       OTHER                  5000        0        0
IVAX CORP                      COMMON STOCK     465823102       12      300 SH       DEFINED                 300        0        0
J C PENNEYS COM                COMMON STOCK     708160106        2      100 SH       DEFINED                 100        0        0
JDS UNIPHASE                   COMMON STOCK     46612J101      168     1400 SH       DEFINED                1200        0      200
JDS UNIPHASE                   COMMON STOCK     46612J101       11       90 SH       OTHER                    90        0        0
JOHN HANCOCK INCOME SECURITIES COMMON STOCK     410123103       29     2200 SH       DEFINED                2200        0        0
JOHNSON & JOHNSON              COMMON STOCK     478160104     4146    40694 SH       DEFINED               40394        0      300
JOHNSON & JOHNSON              COMMON STOCK     478160104     1202    11803 SH       OTHER                 11803        0        0
JP MORGAN                      COMMON STOCK     616880100        6       50 SH       DEFINED                  50        0        0
JP MORGAN                      COMMON STOCK     616880100       53      479 SH       OTHER                   479        0        0
JUNIPER NETWORKS               COMMON STOCK     48203R104       15      100 SH       DEFINED                   0        0      100
JUNIPER NETWORKS               COMMON STOCK     48203R104       29      200 SH       OTHER                   200        0        0
K MART                         COMMON STOCK     482584109        1      100 SH       OTHER                   100        0        0
KANSAS CITY POWER & LIGHT      COMMON STOCK     485134100       41     1840 SH       DEFINED                1840        0        0
KANSAS CITY SOUTHERN INDUSTRIE COMMON STOCK     485170104     3330    37552 SH       DEFINED               37552        0        0
KANSAS CITY SOUTHERN INDUSTRIE COMMON STOCK     485170104      310     3495 SH       OTHER                  3495        0        0
KEMPER INTERMEDIATE GOVERNMENT COMMON STOCK     488413105        8     1200 SH       DEFINED                1200        0        0
KERR MCGEE                     COMMON STOCK     492386107      110     1863 SH       DEFINED                1863        0        0
KEYSPAN                        COMMON STOCK     49337W100       21      670 SH       DEFINED                 670        0        0
KIMBERLY CLARK                 COMMON STOCK     494368103      267     4656 SH       DEFINED                4656        0        0
KIMBERLY CLARK                 COMMON STOCK     494368103       46      800 SH       OTHER                   800        0        0
KINDER MORGAN                  COMMON STOCK     49455P101       35     1000 SH       DEFINED                1000        0        0
KROGER                         COMMON STOCK     501044101      890    40354 SH       DEFINED               38829        0     1525
KROGER                         COMMON STOCK     501044101      103     4685 SH       OTHER                  4685        0        0
LABORATORY CORP AMER HLDGS     COMMON STOCK     50540R409       12      155 SH       DEFINED                   0        0      155
LACLEDE GAS                    COMMON STOCK     505588103       12      600 SH       DEFINED                 600        0        0
LASER TECHNOLOGY               COMMON STOCK     518074208        6     4000 SH       OTHER                  4000        0        0
LEGGETT & PLATT                COMMON STOCK     524660107     3314   200841 SH       DEFINED              195761        0     5080
LEGGETT & PLATT                COMMON STOCK     524660107      398    24130 SH       OTHER                 24130        0        0
LENNAR                         COMMON STOCK     526057104        2      115 SH       DEFINED                 115        0        0
LERNOUT & HAUSPIE SPEECH PRO   COMMON STOCK     B5628B104       18      400 SH       DEFINED                   0        0      400
LEXMARK INTERNATIONAL GROUP    COMMON STOCK     529771107       36      540 SH       DEFINED                 540        0        0
LEXMARK INTERNATIONAL GROUP    COMMON STOCK     529771107       13      190 SH       OTHER                   190        0        0
LG & E ENERGY                  COMMON STOCK     501917108       10      400 SH       DEFINED                 400        0        0
LIMITED                        COMMON STOCK     532716107        4      200 SH       DEFINED                 200        0        0
LINCOLN NATIONAL               COMMON STOCK     534187109        2       60 SH       DEFINED                  60        0        0
LINCOLN NATIONAL               COMMON STOCK     534187109      116     3200 SH       OTHER                  3200        0        0
LINDSAY MANUFACTURING          COMMON STOCK     535555106       16      800 SH       DEFINED                 800        0        0
LIZ CLAIBORNE INC              COMMON STOCK     539320101       73     2060 SH       DEFINED                2060        0        0
LOCKHEED MARTIN                COMMON STOCK     539830109       15      600 SH       DEFINED                 600        0        0
LOWES                          COMMON STOCK     548661107     3515    85590 SH       DEFINED               83565        0     2025
LOWES                          COMMON STOCK     548661107      429    10440 SH       OTHER                 10440        0        0
LSI LOGIC                      COMMON STOCK     502161102      334     6168 SH       DEFINED                5818        0      350
LUBY'S                         COMMON STOCK     549282101        8     1000 SH       DEFINED                1000        0        0
LUCENT TECHNOLOGIES            COMMON STOCK     549463107     1766    29805 SH       DEFINED               29705        0      100
LUCENT TECHNOLOGIES            COMMON STOCK     549463107      339     5724 SH       OTHER                  3288        0     2436
MADISON GAS & ELECTRIC         COMMON STOCK     557497104       20     1000 SH       DEFINED                1000        0        0
MAGELLAN PETE CORP             COMMON STOCK     559091301        1     1000 SH       DEFINED                1000        0        0
MANOR CARE                     COMMON STOCK     564055101        4      600 SH       DEFINED                 600        0        0
MANPOWER                       COMMON STOCK     56418H100       13      400 SH       DEFINED                 400        0        0
MANULIFE FINL CORP             COMMON STOCK     56501R106      242    13609 SH       DEFINED               13609        0        0
MARCHFIRST                     COMMON STOCK     566244109       68     3700 SH       DEFINED                3700        0        0
MARKETWATCH                    COMMON STOCK     570619106        2      100 SH       DEFINED                 100        0        0
MARRIOTT                       COMMON STOCK     571903202     1039    28800 SH       DEFINED               28800        0        0
MARRIOTT                       COMMON STOCK     571903202      305     8450 SH       OTHER                  8450        0        0
MARSH & MCLENNAN               COMMON STOCK     571748102       91      870 SH       DEFINED                 870        0        0
MARSH & MCLENNAN               COMMON STOCK     571748102       15      145 SH       OTHER                   145        0        0
MARTHA STEWART LIVING          COMMON STOCK     573083102        3      150 SH       DEFINED                 150        0        0
MAXIM INTEGRATED PRODUCTS      COMMON STOCK     57772K101       21      310 SH       DEFINED                 310        0        0
MAYTAG                         COMMON STOCK     578592107        6      150 SH       DEFINED                 150        0        0
MBIA                           COMMON STOCK     55262C100     1316    27300 SH       DEFINED               26550        0      750
MBIA                           COMMON STOCK     55262C100       67     1400 SH       OTHER                  1400        0        0
MBNA                           COMMON STOCK     55262L100       61     2250 SH       DEFINED                2250        0        0
MCCORMICK & COMPANY NON VOTING COMMON STOCK     579780206      101     3120 SH       OTHER                  3120        0        0
MCDONALDS                      COMMON STOCK     580135101      239     7254 SH       DEFINED                7254        0        0
MCDONALDS                      COMMON STOCK     580135101      300     9100 SH       OTHER                  9100        0        0
MCN ENERGY GROUP               COMMON STOCK     55267J100        9      400 SH       OTHER                   400        0        0
MDU RESOURCES GROUP            COMMON STOCK     552690109       89     4100 SH       DEFINED                4100        0        0
MEDARIX INC                    COMMON STOCK     583916101        2       25 SH       DEFINED                  25        0        0
MEDIAONE GROUP                 COMMON STOCK     58440J104     2842    42303 SH       DEFINED               42278        0       25
MEDIAONE GROUP                 COMMON STOCK     58440J104      394     5862 SH       OTHER                  5410        0      452
MEDTRONIC                      COMMON STOCK     585055106     3733    74934 SH       DEFINED               72919        0     2015
MEDTRONIC                      COMMON STOCK     585055106      397     7965 SH       OTHER                  7965        0        0
MELLON FINL                    COMMON STOCK     58551A108       51     1400 SH       DEFINED                1400        0        0
MENS WEARHOUSE INC             COMMON STOCK     587118100       10      430 SH       DEFINED                 430        0        0
MERCK                          COMMON STOCK     589331107     9080   118502 SH       DEFINED              115932        0     2570
MERCK                          COMMON STOCK     589331107     2206    28795 SH       OTHER                 28795        0        0
MERITOR AUTOMOTIVE             COMMON STOCK     59000G100        5      467 SH       DEFINED                 467        0        0
METLIFE INC                    COMMON STOCK     59156R108       19      917 SH       DEFINED                 917        0        0
METROMEDIA FIBER NETWORK       COMMON STOCK     591689104       28      700 SH       DEFINED                   0        0      700
MICROS SYSTEMS                 COMMON STOCK     594901100      765    41205 SH       DEFINED               41205        0        0
MICROS SYSTEMS                 COMMON STOCK     594901100       49     2620 SH       OTHER                  2620        0        0
MICROSOFT                      COMMON STOCK     594918104    12187   152342 SH       DEFINED              151672        0      670
MICROSOFT                      COMMON STOCK     594918104     3122    39020 SH       OTHER                 39020        0        0
MILLENNIUM PHARMACEUTICALS INC COMMON STOCK     599902103      104      930 SH       DEFINED                 930        0        0
MILLENNIUM PHARMACEUTICALS INC COMMON STOCK     599902103       11      100 SH       OTHER                   100        0        0
MINNESOTA MINING & MANUFACTURI COMMON STOCK     604059105      342     4142 SH       DEFINED                4095        0       47
MINNESOTA MINING & MANUFACTURI COMMON STOCK     604059105      189     2290 SH       OTHER                  2290        0        0
MOLEX                          COMMON STOCK     608554101     1530    31801 SH       DEFINED               30863        0      938
MOLEX                          COMMON STOCK     608554101       71     1481 SH       OTHER                  1481        0        0
MOLEX                          COMMON STOCK     608554200       57     1625 SH       DEFINED                1625        0        0
MONTANA POWER                  COMMON STOCK     612085100       28      800 SH       DEFINED                 800        0        0
MONTGOMERY STRATEGIC INCOME    COMMON STOCK     614115103       16     1000 SH       DEFINED                1000        0        0
MONY GROUP                     COMMON STOCK     615337102       26      764 SH       DEFINED                 764        0        0
MORGAN STANLEY DW DISCOVERY    COMMON STOCK     617446448       78      936 SH       DEFINED                 936        0        0
MORGAN STANLEY DW DISCOVERY    COMMON STOCK     617446448       52      624 SH       OTHER                   624        0        0
MOTOROLA                       COMMON STOCK     620076109      326    11223 SH       DEFINED               10623        0      600
MOTOROLA                       COMMON STOCK     620076109      205     7050 SH       OTHER                  7050        0        0
MOVIE GALLERY INC              COMMON STOCK     624581104        4     1000 SH       DEFINED                1000        0        0
MUNIYIELD INSD FD INC          COMMON STOCK     62630E107       37     3000 SH       DEFINED                3000        0        0
MUTUAL RISK MANAGEMENT         COMMON STOCK     628351108       43     2500 SH       DEFINED                2500        0        0
NABISCO GROUP                  COMMON STOCK     62952P102       18      700 SH       DEFINED                 700        0        0
NABORS INDS INC                COMMON STOCK     629568106        2       55 SH       DEFINED                  55        0        0
NASDAQ 100 SHARES              COMMON STOCK     631100104       47      500 SH       DEFINED                 500        0        0
NATIONAL CITY CORP             COMMON STOCK     635405103       51     3000 SH       DEFINED                3000        0        0
NATIONAL CITY CORP             COMMON STOCK     635405103        5      300 SH       OTHER                   300        0        0
NATIONAL FUEL GAS              COMMON STOCK     636180101       49     1000 SH       DEFINED                1000        0        0
NATIONWIDE HEALTH PROPERTIES   COMMON STOCK     638620104       18     1300 SH       OTHER                  1300        0        0
NCR                            COMMON STOCK     62886E108        4       91 SH       DEFINED                  91        0        0
NCR                            COMMON STOCK     62886E108        1       31 SH       OTHER                    31        0        0
NETWORK APPLIANCE INC          COMMON STOCK     64120L104      209     2600 SH       DEFINED                2600        0        0
NEW CENTURY ENERGIES           COMMON STOCK     64352U103        9      300 SH       DEFINED                 300        0        0
NEW CENTURY ENERGIES           COMMON STOCK     64352U103       43     1425 SH       OTHER                  1425        0        0
NEW PLAN EXCEL REALTY TRUST    COMMON STOCK     648053106        9      669 SH       DEFINED                 669        0        0
NEWELL RUBBERMAID              COMMON STOCK     651229106      202     7850 SH       DEFINED                7850        0        0
NEWELL RUBBERMAID              COMMON STOCK     651229106      152     5900 SH       OTHER                  5900        0        0
NEWHALL LAND/FARMING           COMMON STOCK     651426108       21      800 SH       DEFINED                 800        0        0
NEWMONT MINING                 COMMON STOCK     651639106       12      545 SH       DEFINED                 545        0        0
NEXTEL COMMUNICATIONS          COMMON STOCK     65332V103       24      400 SH       DEFINED                 400        0        0
NEXTLINK COMMUNICATIONS        COMMON STOCK     65333H707        1       25 SH       DEFINED                  25        0        0
NICOR                          COMMON STOCK     654086107       16      500 SH       DEFINED                 500        0        0
NICOR                          COMMON STOCK     654086107        7      200 SH       OTHER                   200        0        0
NIKE CLASS B                   COMMON STOCK     654106103       12      300 SH       DEFINED                 300        0        0
NISOURCE INC                   COMMON STOCK     65473P105        7      400 SH       DEFINED                 400        0        0
NOBLE AFFILIATES               COMMON STOCK     654894104      184     4940 SH       OTHER                  4940        0        0
NORFOLK SOUTHERN               COMMON STOCK     655844108       92     6195 SH       DEFINED                6195        0        0
NORFOLK SOUTHERN               COMMON STOCK     655844108      134     9000 SH       OTHER                  9000        0        0
NORTEL NETWORKS                COMMON STOCK     656568102      125     1828 SH       DEFINED                1628        0      200
NORTHERN STATES POWER          COMMON STOCK     665772109       12      572 SH       DEFINED                 572        0        0
NSTAR                          COMMON STOCK     67019E107       13      325 SH       DEFINED                 325        0        0
NTL                            COMMON STOCK     629407107        6      100 SH       DEFINED                 100        0        0
NUCO2                          COMMON STOCK     629428103        1      100 SH       DEFINED                 100        0        0
O I CORP COM                   COMMON STOCK     670841105        1      140 SH       DEFINED                 140        0        0
OCCIDENTAL PETROLEUM           COMMON STOCK     674599105       75     3580 SH       OTHER                  3580        0        0
OFFICE DEPOT                   COMMON STOCK     676220106       49     7800 SH       DEFINED                7800        0        0
OFFICEMAX                      COMMON STOCK     67622M108        4      750 SH       DEFINED                 750        0        0
OGE ENERGY CORPORATION         COMMON STOCK     670837103      615    33270 SH       DEFINED               33270        0        0
OGE ENERGY CORPORATION         COMMON STOCK     670837103      144     7784 SH       OTHER                  7784        0        0
OMNICOM GROUP                  COMMON STOCK     681919106       60      675 SH       DEFINED                 675        0        0
OMNICOM GROUP                  COMMON STOCK     681919106      107     1200 SH       OTHER                  1200        0        0
OMNIS TECHNOLOGY CORP          COMMON STOCK     68212X108        4      500 SH       OTHER                   500        0        0
ONE PRICE CLOTHING STORES      COMMON STOCK     682411103        3     1000 SH       DEFINED                1000        0        0
ONEOK                          COMMON STOCK     682680103      406    15669 SH       DEFINED               15669        0        0
ONEOK                          COMMON STOCK     682680103      144     5556 SH       OTHER                  5256        0      300
ORACLE                         COMMON STOCK     68389X105      354     4217 SH       DEFINED                3500        0      717
ORACLE                         COMMON STOCK     68389X105        4       50 SH       OTHER                    50        0        0
PACCAR                         COMMON STOCK     693718108      356     8975 SH       DEFINED                8875        0      100
PACCAR                         COMMON STOCK     693718108      147     3700 SH       OTHER                  3700        0        0
PACIFIC AMERN INCOME SHS INC   COMMON STOCK     693796104        5      400 SH       DEFINED                 400        0        0
PACIFIC CENTY FINL CORP        COMMON STOCK     694058108        6      432 SH       DEFINED                 432        0        0
PACTIV CORP                    COMMON STOCK     695257105        3      440 SH       DEFINED                 440        0        0
PAINE WEBBER GROUP             COMMON STOCK     695629105       68     1500 SH       DEFINED                1500        0        0
PAIRGAIN TECHNOLOGIES INC      COMMON STOCK     695934109       69     2050 SH       DEFINED                2050        0        0
PALM                           COMMON STOCK     696642107        3      100 SH       DEFINED                 100        0        0
PAPA JOHNS INTERNATIONAL       COMMON STOCK     698813102       12      500 SH       DEFINED                 500        0        0
PARAMETRIC TECHNOLOGY          COMMON STOCK     699173100        6      500 SH       DEFINED                 500        0        0
PARKER DRILLING                COMMON STOCK     701081101       16     2567 SH       OTHER                  2567        0        0
PAYCHEX INC                    COMMON STOCK     704326107       14      330 SH       DEFINED                 330        0        0
PE CORP-CELERA                 COMMON STOCK     69332S201       33      360 SH       DEFINED                 160        0      200
PECO ENERGY                    COMMON STOCK     693304107       21      532 SH       DEFINED                 532        0        0
PECO ENERGY                    COMMON STOCK     693304107       11      275 SH       OTHER                   275        0        0
PENNZOIL-QUAKER STATE          COMMON STOCK     709323109        6      486 SH       DEFINED                 486        0        0
PENNZOIL-QUAKER STATE          COMMON STOCK     709323109        9      784 SH       OTHER                   784        0        0
PEOPLES ENERGY                 COMMON STOCK     711030106       32     1000 SH       DEFINED                1000        0        0
PEOPLESOFT                     COMMON STOCK     712713106        2      100 SH       DEFINED                 100        0        0
PEP BOY - MANNEY MOE & JACK    COMMON STOCK     713278109       27     4504 SH       OTHER                  4504        0        0
PEPSICO                        COMMON STOCK     713448108     5752   129438 SH       DEFINED              127978        0     1460
PEPSICO                        COMMON STOCK     713448108     2144    48255 SH       OTHER                 48255        0        0
PFIZER                         COMMON STOCK     717081103     3055    63652 SH       DEFINED               61502        0     2150
PFIZER                         COMMON STOCK     717081103     1693    35275 SH       OTHER                 35275        0        0
PG&E                           COMMON STOCK     69331C108       65     2632 SH       DEFINED                2632        0        0
PHARMACIA                      COMMON STOCK     71713U102      436     8432 SH       DEFINED                8432        0        0
PHARMACIA                      COMMON STOCK     71713U102       26      500 SH       OTHER                   500        0        0
PHARMACYCLICS                  COMMON STOCK     716933106       31      500 SH       DEFINED                 500        0        0
PHELPS DODGE                   COMMON STOCK     717265102       18      495 SH       DEFINED                 495        0        0
PHELPS DODGE                   COMMON STOCK     717265102        0        1 SH       OTHER                     1        0        0
PHILADELPHIA SUBN CORP         COMMON STOCK     718009608       10      500 SH       DEFINED                 500        0        0
PHILIP MORRIS                  COMMON STOCK     718154107      323    12150 SH       DEFINED               12150        0        0
PHILIP MORRIS                  COMMON STOCK     718154107      120     4500 SH       OTHER                  4500        0        0
PHILLIPS PETROLEUM             COMMON STOCK     718507106      507     9998 SH       DEFINED                9998        0        0
PHILLIPS PETROLEUM             COMMON STOCK     718507106      950    18749 SH       OTHER                 18749        0        0
PIONEER NATURAL RESOURCES CO   COMMON STOCK     723787107        0       30 SH       DEFINED                  30        0        0
PITNEY BOWES                   COMMON STOCK     724479100      144     3600 SH       DEFINED                3600        0        0
PITNEY BOWES                   COMMON STOCK     724479100       66     1650 SH       OTHER                  1650        0        0
PIXAR                          COMMON STOCK     725811103        6      181 SH       DEFINED                 181        0        0
PLUG POWER                     COMMON STOCK     72919P103        6      100 SH       DEFINED                   0        0      100
PLUM CREEK TIMBER              COMMON STOCK     729251108      172     6600 SH       OTHER                  6600        0        0
PNC FINANCIAL                  COMMON STOCK     693475105      248     5280 SH       DEFINED                5280        0        0
PNC FINANCIAL                  COMMON STOCK     693475105       21      450 SH       OTHER                   450        0        0
PPL                            COMMON STOCK     69351T106       22     1002 SH       DEFINED                1002        0        0
PRAXAIR                        COMMON STOCK     74005P104      101     2700 SH       DEFINED                2700        0        0
PRE-PAID LEGAL SERVICES        COMMON STOCK     740065107      151     5070 SH       DEFINED                5070        0        0
PRESSTEK                       COMMON STOCK     741113104        8      485 SH       DEFINED                 485        0        0
PRICE T ROWE ASSOC INC         COMMON STOCK     741477103        7      175 SH       DEFINED                 175        0        0
PRIZE ENERGY CORP              COMMON STOCK     74267L106       12      500 SH       OTHER                   500        0        0
PROCTER & GAMBLE               COMMON STOCK     742718109     1336    23330 SH       DEFINED               23025        0      305
PROCTER & GAMBLE               COMMON STOCK     742718109      386     6740 SH       OTHER                  6740        0        0
PROGRESSIVE CORP OHIO          COMMON STOCK     743315103       23      310 SH       DEFINED                 310        0        0
PROVIDIAN FINANCIAL            COMMON STOCK     74406A102      302     3350 SH       DEFINED                3350        0        0
PROVIDIAN FINANCIAL            COMMON STOCK     74406A102      326     3625 SH       OTHER                  3625        0        0
PSINET INC                     COMMON STOCK     74437C101        1       45 SH       DEFINED                  45        0        0
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK     744573106        4      120 SH       DEFINED                 120        0        0
QUALCOMM                       COMMON STOCK     747525103       67     1112 SH       DEFINED                1012        0      100
QUALCOMM                       COMMON STOCK     747525103        5       90 SH       OTHER                    90        0        0
R H DONNELLEY CORP NEW         COMMON STOCK     74955W307        2      100 SH       DEFINED                 100        0        0
RADIOSHACK                     COMMON STOCK     750438103       95     2000 SH       OTHER                  2000        0        0
RAMBUS                         COMMON STOCK     750917106       21      200 SH       DEFINED                   0        0      200
RAYOVAC                        COMMON STOCK     755081106       40     1800 SH       DEFINED                1800        0        0
RAYTHEON CLASS A               COMMON STOCK     755111309        2      109 SH       DEFINED                 109        0        0
RAYTHEON CLASS A               COMMON STOCK     755111309        0        9 SH       OTHER                     9        0        0
RAYTHEON CLASS B               COMMON STOCK     755111408      299    15548 SH       DEFINED               15548        0        0
RAYTHEON CLASS B               COMMON STOCK     755111408       94     4882 SH       OTHER                  4882        0        0
RECKSON ASSOCIATES             COMMON STOCK     75621K106        6      250 SH       OTHER                   250        0        0
REGIONS FINANCIAL              COMMON STOCK     758940100        8      400 SH       DEFINED                 400        0        0
RELIANT ENERGY                 COMMON STOCK     75952J108      194     6574 SH       DEFINED                6574        0        0
RELIANT ENERGY                 COMMON STOCK     75952J108      133     4497 SH       OTHER                  4497        0        0
REMINGTON OIL                  COMMON STOCK     759594302        2      241 SH       DEFINED                 241        0        0
REPUBLIC SERVICES              COMMON STOCK     760759100        2      115 SH       DEFINED                 115        0        0
RF MICRO DEVICES               COMMON STOCK     749941100        2       23 SH       DEFINED                  23        0        0
ROCKWELL INTERNATIONAL         COMMON STOCK     773903109       36     1150 SH       DEFINED                1150        0        0
ROSS STORES                    COMMON STOCK     778296103      153     8950 SH       DEFINED                8950        0        0
ROSS STORES                    COMMON STOCK     778296103        4      250 SH       OTHER                   250        0        0
RPM INCORPORATED               COMMON STOCK     749685103        5      500 SH       DEFINED                 400        0      100
SABINE RTY TR                  COMMON STOCK     785688102        3      204 SH       DEFINED                 204        0        0
SABRE HOLDINGS                 COMMON STOCK     785905100     2262    79379 SH       DEFINED               77369        0     2010
SABRE HOLDINGS                 COMMON STOCK     785905100      201     7070 SH       OTHER                  7070        0        0
SAFECO                         COMMON STOCK     786429100       64     3200 SH       OTHER                  3200        0        0
SAFEWAY                        COMMON STOCK     786514208       44      967 SH       DEFINED                 967        0        0
SAKS                           COMMON STOCK     79377W108        5      500 SH       DEFINED                 500        0        0
SALOMON BROTHERS HIGH INCOME F COMMON STOCK     794907105       11      900 SH       DEFINED                 900        0        0
SALOMON BROTHERS HIGH INCOME F COMMON STOCK     794907105       41     3500 SH       OTHER                  3500        0        0
SANDISK                        COMMON STOCK     80004C101        6      100 SH       DEFINED                   0        0      100
SANTA FE SNYDER                COMMON STOCK     80218K105        7      633 SH       DEFINED                 633        0        0
SARA LEE                       COMMON STOCK     803111103      261    13500 SH       DEFINED               13500        0        0
SARA LEE                       COMMON STOCK     803111103       54     2800 SH       OTHER                  2800        0        0
SBC COMMUNICATIONS             COMMON STOCK     78387G103     2279    52700 SH       DEFINED               52486        0      214
SBC COMMUNICATIONS             COMMON STOCK     78387G103     1172    27100 SH       OTHER                 20776        0     6324
SCANA                          COMMON STOCK     80589M102      106     4400 SH       DEFINED                4400        0        0
SCANA                          COMMON STOCK     80589M102       10      400 SH       OTHER                   400        0        0
SCHERING PLOUGH                COMMON STOCK     806605101     1146    22700 SH       DEFINED               22700        0        0
SCHERING PLOUGH                COMMON STOCK     806605101      944    18700 SH       OTHER                 18700        0        0
SCHLUMBERGER LTD               COMMON STOCK     806857108      209     2800 SH       DEFINED                2800        0        0
SCHLUMBERGER LTD               COMMON STOCK     806857108       45      600 SH       OTHER                   600        0        0
SCHWAB CHARLES                 COMMON STOCK     808513105       15      438 SH       DEFINED                 438        0        0
SCI SYS INC                    COMMON STOCK     783890106        4      100 SH       DEFINED                 100        0        0
SCOTTISH PWR ADR               COMMON STOCK     81013T705       18      545 SH       DEFINED                 545        0        0
SDL INC                        COMMON STOCK     784076101       23       80 SH       DEFINED                  80        0        0
SEALED AIR CORPORATION         COMMON STOCK     81211K100     1392    26585 SH       DEFINED               26085        0      500
SEALED AIR CORPORATION         COMMON STOCK     81211K100       55     1050 SH       OTHER                  1050        0        0
SEARS ROEBUCK                  COMMON STOCK     812387108       23      698 SH       DEFINED                 600        0       98
SEMPRA ENERGY                  COMMON STOCK     816851109       17     1000 SH       DEFINED                1000        0        0
SENIOR HSG PPTYS               COMMON STOCK     81721M109        0       12 SH       OTHER                    12        0        0
SERVICE CORPORATION INTERNATIO COMMON STOCK     817565104       18     5708 SH       DEFINED                5708        0        0
SHURGARD STORAGE CENTERS       COMMON STOCK     82567D104       45     2000 SH       OTHER                  2000        0        0
SIEBEL SYSTEMS INC             COMMON STOCK     826170102       44      268 SH       DEFINED                 268        0        0
SIERRA PAC RES                 COMMON STOCK     826428104        6      500 SH       DEFINED                 500        0        0
SIERRA PAC RES                 COMMON STOCK     826428104        9      720 SH       OTHER                   720        0        0
SIGMA ALDRICH                  COMMON STOCK     826552101      132     4500 SH       DEFINED                4500        0        0
SIGMA ALDRICH                  COMMON STOCK     826552101       99     3400 SH       OTHER                  3400        0        0
SILICON VY BANCSHARES          COMMON STOCK     827064106      102     2400 SH       DEFINED                2400        0        0
SIMON PPTY GROUP NEW(SIMON PPT COMMON STOCK     828806109        3      125 SH       OTHER                   125        0        0
SIRIUS SATELLITE RADIO INC     COMMON STOCK     82966U103       33      750 SH       DEFINED                 750        0        0
SIRIUS SATELLITE RADIO INC     COMMON STOCK     82966U103       13      300 SH       OTHER                   300        0        0
SODEXHO MARRIOTT SERVICES      COMMON STOCK     833793102        2      100 SH       DEFINED                 100        0        0
SOLECTRON                      COMMON STOCK     834182107      184     4400 SH       DEFINED                4400        0        0
SOUTHDOWN                      COMMON STOCK     841297104      271     4690 SH       DEFINED                4690        0        0
SOUTHDOWN                      COMMON STOCK     841297104       38      650 SH       OTHER                   650        0        0
SOUTHERN COMPANY               COMMON STOCK     842587107       94     4025 SH       DEFINED                4025        0        0
SOUTHERN COMPANY               COMMON STOCK     842587107       66     2840 SH       OTHER                  2840        0        0
SOUTHWEST AIRLINES             COMMON STOCK     844741108      222    11700 SH       DEFINED               11700        0        0
SOUTHWEST AIRLINES             COMMON STOCK     844741108       19     1012 SH       OTHER                  1012        0        0
SOUTHWEST BANCORP              COMMON STOCK     844767103     2904   180100 SH       DEFINED              180100        0        0
SPIEGEL INC                    COMMON STOCK     848457107        9     1000 SH       DEFINED                1000        0        0
SPRINT                         COMMON STOCK     852061100     5937   116417 SH       DEFINED              115817        0      600
SPRINT                         COMMON STOCK     852061100     1237    24263 SH       OTHER                 24263        0        0
SPRINT CORP PCS GROUP          COMMON STOCK     852061506      162     2724 SH       DEFINED                2724        0        0
SPRINT CORP PCS GROUP          COMMON STOCK     852061506      461     7740 SH       OTHER                  7740        0        0
SPX                            COMMON STOCK     784635104      173     1429 SH       DEFINED                1429        0        0
ST JUDE MEDICAL                COMMON STOCK     790849103        7      150 SH       DEFINED                 150        0        0
STAPLES                        COMMON STOCK     855030102       25     1620 SH       DEFINED                1620        0        0
STATE STREET                   COMMON STOCK     857477103       53      500 SH       DEFINED                 500        0        0
STEIN MART INC                 COMMON STOCK     858375108       10     1000 SH       DEFINED                1000        0        0
STRYKER CORP                   COMMON STOCK     863667101      618    14126 SH       DEFINED               14126        0        0
STRYKER CORP                   COMMON STOCK     863667101       70     1600 SH       OTHER                  1600        0        0
SUN LIFE FINL SVCS CDA INC     COMMON STOCK     866796105       63     3713 SH       DEFINED                3713        0        0
SUN MICROSYSTEMS               COMMON STOCK     866810104    11897   130830 SH       DEFINED              129430        0     1400
SUN MICROSYSTEMS               COMMON STOCK     866810104     3382    37195 SH       OTHER                 37195        0        0
SUNGARD DATA SYSTEMS           COMMON STOCK     867363103       14      450 SH       DEFINED                 150        0      300
SUNOCO                         COMMON STOCK     86764P109       41     1385 SH       DEFINED                1385        0        0
SUNOCO                         COMMON STOCK     86764P109       29     1002 SH       OTHER                  1002        0        0
SUNTRUST BANKS                 COMMON STOCK     867914103     1707    37371 SH       DEFINED               37276        0       95
SUNTRUST BANKS                 COMMON STOCK     867914103      389     8510 SH       OTHER                  8510        0        0
SYLVAN LEARNING SYSTEMS        COMMON STOCK     871399101       80     5800 SH       DEFINED                5800        0        0
SYLVAN LEARNING SYSTEMS        COMMON STOCK     871399101       44     3225 SH       OTHER                  3225        0        0
SYMBOL TECHNOLOGIES INC        COMMON STOCK     871508107        5      100 SH       DEFINED                 100        0        0
SYNOPSYS                       COMMON STOCK     871607107      771    22300 SH       DEFINED               21500        0      800
SYNOPSYS                       COMMON STOCK     871607107      141     4075 SH       OTHER                  4075        0        0
SYNTROLEUM CORP                COMMON STOCK     871630109        7      400 SH       DEFINED                 400        0        0
SYSCO                          COMMON STOCK     871829107     1464    34750 SH       DEFINED               34750        0        0
SYSCO                          COMMON STOCK     871829107      244     5800 SH       OTHER                  5800        0        0
SYSTEMS & COMPUTER             COMMON STOCK     871873105        8      400 SH       DEFINED                 400        0        0
TARGET                         COMMON STOCK     87612E106     3651    62949 SH       DEFINED               62249        0      700
TARGET                         COMMON STOCK     87612E106      709    12230 SH       OTHER                 12230        0        0
TCW CONVERTIBLE SECURITIESS FU COMMON STOCK     872340104       38     3600 SH       DEFINED                3600        0        0
TECH DATA                      COMMON STOCK     878237106        3       68 SH       DEFINED                  68        0        0
TECO ENERGY                    COMMON STOCK     872375100      120     6000 SH       DEFINED                6000        0        0
TELEPHONE & DATA SYSTEMS       COMMON STOCK     879433100       31      312 SH       DEFINED                 312        0        0
TELLABS                        COMMON STOCK     879664100      130     1900 SH       DEFINED                1900        0        0
TENNECO AUTOMOTIVE             COMMON STOCK     880349105        0       88 SH       DEFINED                  88        0        0
TEXACO                         COMMON STOCK     881694103      388     7292 SH       DEFINED                7292        0        0
TEXACO                         COMMON STOCK     881694103      124     2334 SH       OTHER                  2334        0        0
TEXAS INSTRUMENTS              COMMON STOCK     882508104      317     4620 SH       DEFINED                4620        0        0
TEXAS INSTRUMENTS              COMMON STOCK     882508104       48      695 SH       OTHER                   695        0        0
TEXTRON                        COMMON STOCK     883203101      248     4560 SH       DEFINED                4560        0        0
THERMO ELECTRON                COMMON STOCK     883556102      137     6500 SH       DEFINED                5800        0      700
THERMO ELECTRON                COMMON STOCK     883556102       21     1000 SH       OTHER                  1000        0        0
TIBCO SOFTWARE                 COMMON STOCK     88632Q103       16      150 SH       DEFINED                 150        0        0
TIME WARNER                    COMMON STOCK     887315109      266     3500 SH       DEFINED                3500        0        0
TIME WARNER                    COMMON STOCK     887315109       15      200 SH       OTHER                   200        0        0
TJX                            COMMON STOCK     872540109        6      300 SH       DEFINED                 300        0        0
TOMMY HILFIGER                 COMMON STOCK     G8915Z102       11     1400 SH       DEFINED                1400        0        0
TOOTSIE ROLL INDUSTRIES        COMMON STOCK     890516107       18      500 SH       DEFINED                 500        0        0
TORCHMARK                      COMMON STOCK     891027104     3788   153418 SH       DEFINED              153418        0        0
TRAMMELL CROW                  COMMON STOCK     89288R106       89     8252 SH       DEFINED                7452        0      800
TRICOM SA                      COMMON STOCK     89612A100        2      100 SH       DEFINED                 100        0        0
TRICON GLOBAL RESTAURANTS      COMMON STOCK     895953107       93     3300 SH       DEFINED                3300        0        0
TRW                            COMMON STOCK     872649108      625    14408 SH       DEFINED               14408        0        0
TRW                            COMMON STOCK     872649108        4      100 SH       OTHER                   100        0        0
TV GUIDE                       COMMON STOCK     87307Q109        8      230 SH       DEFINED                 230        0        0
TXU                            COMMON STOCK     873168108       64     2174 SH       DEFINED                2174        0        0
TXU                            COMMON STOCK     873168108       72     2438 SH       OTHER                  2338        0      100
TYCO INTERNATIONAL             COMMON STOCK     902124106    11622   245328 SH       DEFINED              240323        0     5005
TYCO INTERNATIONAL             COMMON STOCK     902124106     1412    29813 SH       OTHER                 29813        0        0
U S WEST                       COMMON STOCK     91273H101      641     7478 SH       DEFINED                7478        0        0
U S WEST                       COMMON STOCK     91273H101      210     2452 SH       OTHER                  1680        0      772
UGI CORPORATION                COMMON STOCK     902681105        8      400 SH       DEFINED                 400        0        0
UNIGRAPHICS SOLUTIONS          COMMON STOCK     904928108       12      600 SH       OTHER                   600        0        0
UNION CARBIDE                  COMMON STOCK     905581104      134     2700 SH       DEFINED                2700        0        0
UNION PACIFIC                  COMMON STOCK     907818108      163     4394 SH       DEFINED                4394        0        0
UNION PACIFIC                  COMMON STOCK     907818108      271     7300 SH       OTHER                  7300        0        0
UNIT CORPORATION               COMMON STOCK     909218109        7      500 SH       OTHER                   500        0        0
UNITED DOMINION REALTY TRUST   COMMON STOCK     910197102        9      800 SH       DEFINED                 800        0        0
UNITED DOMINION REALTY TRUST   COMMON STOCK     910197102        7      640 SH       OTHER                   640        0        0
UNITED PARCEL SERVICE          COMMON STOCK     911312106      106     1800 SH       DEFINED                1800        0        0
UNITED STATES CELLULAR         COMMON STOCK     911684108       28      450 SH       DEFINED                 450        0        0
UNITED TECHNOLOGIES            COMMON STOCK     913017109      135     2300 SH       DEFINED                2300        0        0
UNITED TECHNOLOGIES            COMMON STOCK     913017109     1198    20345 SH       OTHER                 20345        0        0
UNIVERSAL ACCESS               COMMON STOCK     913363107        2      100 SH       DEFINED                 100        0        0
UNOCAL                         COMMON STOCK     915289102       66     2000 SH       OTHER                  2000        0        0
UNUMPROVIDENT                  COMMON STOCK     91529Y106       60     3000 SH       DEFINED                3000        0        0
US ONCOLOGY                    COMMON STOCK     90338W103     1124   224862 SH       DEFINED              224862        0        0
USX-MARATHON GROUP             COMMON STOCK     902905827       17      695 SH       DEFINED                 695        0        0
USX-MARATHON GROUP             COMMON STOCK     902905827       28     1100 SH       OTHER                  1100        0        0
USX-U S STL GROUP              COMMON STOCK     90337T101        1       36 SH       DEFINED                  36        0        0
UTILICORP UNITED               COMMON STOCK     918005109       29     1450 SH       DEFINED                1450        0        0
VERITAS SOFTWARE CO            COMMON STOCK     923436109       83      735 SH       DEFINED                 735        0        0
VERITAS SOFTWARE CO            COMMON STOCK     923436109        7       60 SH       OTHER                    60        0        0
VERITY                         COMMON STOCK     92343C106       79     2082 SH       DEFINED                2082        0        0
VESTAUR SECURITIES             COMMON STOCK     925464109       25     2116 SH       DEFINED                2116        0        0
VIACOM                         COMMON STOCK     925524100      103     1500 SH       DEFINED                1500        0        0
VIACOM CLASS B                 COMMON STOCK     925524308      307     4499 SH       DEFINED                4499        0        0
VIASAT                         COMMON STOCK     92552V100        5      100 SH       OTHER                   100        0        0
VIGNETTE CORP                  COMMON STOCK     926734104       31      600 SH       OTHER                   600        0        0
VISHAY INTERTECHNOLOGY         COMMON STOCK     928298108       11      300 SH       DEFINED                 300        0        0
VODAFONE GROUP PLC             COMMON STOCK     92857T107      187     4510 SH       DEFINED                4510        0        0
VODAFONE GROUP PLC             COMMON STOCK     92857T107       63     1530 SH       OTHER                   400        0     1130
WACHOVIA CORP NEW              COMMON STOCK     929771103      177     3266 SH       OTHER                  3266        0        0
WADDELL & REED CLASS B         COMMON STOCK     930059209     1617    55639 SH       DEFINED               55639        0        0
WADDELL & REED FINANCIAL       COMMON STOCK     930059100      463    14110 SH       DEFINED               14110        0        0
WAL-MART                       COMMON STOCK     931142103    17109   296898 SH       DEFINED              171833        0   125065
WAL-MART                       COMMON STOCK     931142103     1633    28345 SH       OTHER                 28345        0        0
WALGREENS                      COMMON STOCK     931422109      105     3270 SH       DEFINED                3270        0        0
WALGREENS                      COMMON STOCK     931422109      155     4800 SH       OTHER                  4800        0        0
WASHINGTON MUT INC             COMMON STOCK     939322103       38     1300 SH       DEFINED                1300        0        0
WASHINGTON MUT INC             COMMON STOCK     939322103       58     2000 SH       OTHER                  2000        0        0
WASHINGTON POST CO CL B        COMMON STOCK     939640108       17       35 SH       DEFINED                  35        0        0
WASHINGTON REAL ESTATE INVESTM COMMON STOCK     939653101       77     4300 SH       DEFINED                4300        0        0
WASTE MANAGEMENT               COMMON STOCK     94106L109       71     3750 SH       DEFINED                3750        0        0
WATERS                         COMMON STOCK     941848103       84      675 SH       DEFINED                 675        0        0
WATERS                         COMMON STOCK     941848103       20      160 SH       OTHER                   160        0        0
WEATHERFORD INTERNATIONAL      COMMON STOCK     947074100       41     1040 SH       OTHER                  1040        0        0
WELLS FARGO                    COMMON STOCK     949746101     4621   119254 SH       DEFINED              117954        0     1300
WELLS FARGO                    COMMON STOCK     949746101      532    13740 SH       OTHER                 13740        0        0
WESTERN RESOURCES              COMMON STOCK     959425109       35     2262 SH       DEFINED                2262        0        0
WET SEAL                       COMMON STOCK     961840105       13     1000 SH       DEFINED                1000        0        0
WEYERHAEUSER COMPANY           COMMON STOCK     962166104       13      300 SH       DEFINED                 300        0        0
WEYERHAEUSER COMPANY           COMMON STOCK     962166104       22      500 SH       OTHER                   500        0        0
WHIRLPOOL                      COMMON STOCK     963320106        4       83 SH       OTHER                    83        0        0
WILLIAMS COMMUNICATIONS        COMMON STOCK     969455104       50     1500 SH       DEFINED                 900        0      600
WILLIAMS COMPANIES             COMMON STOCK     969457100     2088    50083 SH       DEFINED               49583        0      500
WILLIAMS COMPANIES             COMMON STOCK     969457100      297     7113 SH       OTHER                  7113        0        0
WILLIAMS SONOMA                COMMON STOCK     969904101       26      810 SH       DEFINED                 810        0        0
WILLIAMS SONOMA                COMMON STOCK     969904101       15      475 SH       OTHER                   475        0        0
WISCONSIN ENERGY               COMMON STOCK     976657106       49     2450 SH       DEFINED                2450        0        0
WISCONSIN ENERGY               COMMON STOCK     976657106        6      300 SH       OTHER                   300        0        0
WORLDCOM                       COMMON STOCK     98157D106     1625    35415 SH       DEFINED               35015        0      400
WORLDCOM                       COMMON STOCK     98157D106      270     5877 SH       OTHER                  5877        0        0
WR GRACE & CO NEW              COMMON STOCK     38388F108        2      167 SH       DEFINED                 167        0        0
XEROX                          COMMON STOCK     984121103        2      100 SH       DEFINED                 100        0        0
XETA TECHNOLOGIES              COMMON STOCK     983909102       73     2350 SH       DEFINED                2350        0        0
XILINX                         COMMON STOCK     983919101       17      200 SH       DEFINED                 200        0        0
XL CAPITAL LTD                 COMMON STOCK     G98255105       22      400 SH       DEFINED                 400        0        0
XOMA LTD                       COMMON STOCK     G9825R107        3      800 SH       DEFINED                 800        0        0
YAHOO                          COMMON STOCK     984332106       15      125 SH       DEFINED                 125        0        0
ZOLTEK COS INC                 COMMON STOCK     98975W104        2      200 SH       DEFINED                 200        0        0
ZWEIG TOTAL RETURN FUND        COMMON STOCK     989837109        7     1022 SH       OTHER                  1022        0        0
24 / 7 MEDIA INC               COMMON STOCK     901314104        3      200 SH       DEFINED                 200        0        0
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     1151    32314 SH       DEFINED               32314        0        0
AEGON N V                      COMMON STOCK     007924103      111     3120 SH       OTHER                  3120        0        0
ALCATEL ALSTHOM                COMMON STOCK     013904305       67     1000 SH       DEFINED                1000        0        0
ASA LTD                        COMMON STOCK     002050102       19     1200 SH       OTHER                  1200        0        0
ASTRAZENECA PLC                COMMON STOCK     046353108       14      303 SH       DEFINED                 303        0        0
BRITISH TELECOMMUNICATIONS P L COMMON STOCK     111021408       40      300 SH       DEFINED                 300        0        0
CABLE & WIRELESS PLC ADR       COMMON STOCK     126830207       20      400 SH       DEFINED                 400        0        0
GALLAHER GROUP PLC             COMMON STOCK     363595109       69     3200 SH       DEFINED                3200        0        0
GALLAHER GROUP PLC             COMMON STOCK     363595109       17      800 SH       OTHER                   800        0        0
GLAXO WELLCOME PLC SPONSORED A COMMON STOCK     37733W105       13      225 SH       DEFINED                 225        0        0
LM ERICSSON TELEPHONE          COMMON STOCK     294821400      534    26700 SH       DEFINED               26700        0        0
NOKIA SPONSORED ADR            COMMON STOCK     654902204     3358    67245 SH       DEFINED               65925        0     1320
NOKIA SPONSORED ADR            COMMON STOCK     654902204      520    10405 SH       OTHER                 10405        0        0
POTASH CORPORATION OF SASKATCH COMMON STOCK     73755L107       11      200 SH       DEFINED                 200        0        0
REPSOL S A                     COMMON STOCK     76026T205       48     2400 SH       DEFINED                2400        0        0
ROYAL DUTCH PETROLEUM          COMMON STOCK     780257804      135     2200 SH       DEFINED                2200        0        0
ROYAL DUTCH PETROLEUM          COMMON STOCK     780257804       46      750 SH       OTHER                   750        0        0
SHELL TRANSPORTATION & TRADING COMMON STOCK     822703609        9      180 SH       OTHER                   180        0        0
SMITHKLINE BEECHAM P L C       COMMON STOCK     832378301       88     1355 SH       DEFINED                1355        0        0
SMITHKLINE BEECHAM P L C       COMMON STOCK     832378301      143     2200 SH       OTHER                  2200        0        0
TEVA PHARMACEUTICAL INDUSTRIES COMMON STOCK     881624209       14      250 SH       OTHER                   250        0        0
TOTAL FINA SA ADR              COMMON STOCK     89151E109       15      200 SH       OTHER                   200        0        0
TRANSOCEAN SED FOREX           COMMON STOCK     G90078109       14      270 SH       DEFINED                 270        0        0
TRANSOCEAN SED FOREX           COMMON STOCK     G90078109        4       76 SH       OTHER                    76        0        0
UNILEVER                       COMMON STOCK     904784709      153     3569 SH       DEFINED                3569        0        0
UNILEVER                       COMMON STOCK     904784709      143     3320 SH       OTHER                  3320        0        0
CRESCENT REAL ESTATE 6.75% SER PREFERRED STOCK  225756204        6      400 SH       DEFINED             N.A.     N.A.     N.A.
FORTUNE BRANDS $2.67 PREFERRED PREFERRED STOCK  349631200        5       40 SH       DEFINED             N.A.     N.A.     N.A.
GOODRICH PETE CORP PFD         PREFERRED STOCK  382410207        1      100 SH       OTHER               N.A.     N.A.     N.A.
INNKEEPERS USA 8.625% PREFERRE PREFERRED STOCK  4576J0302        8      500 SH       DEFINED             N.A.     N.A.     N.A.
NEW PLAN EXCEL 8.5% SER A      PREFERRED STOCK  648053205        7      300 SH       DEFINED             N.A.     N.A.     N.A.
PRIME RETAIL PFD B 8.5%        PREFERRED STOCK  741570303        3      400 SH       DEFINED             N.A.     N.A.     N.A.
PROLOGIS TRUST 7.0% SER B      PREFERRED STOCK  743410300        5      200 SH       DEFINED             N.A.     N.A.     N.A.
ROYAL BK SCOTLAND GROUP PLC    PREFERRED STOCK  780097705       46     2000 SH       DEFINED             N.A.     N.A.     N.A.
SEALED AIR CORP NEW PFD $2     PREFERRED STOCK  81211K209       15      288 SH       DEFINED             N.A.     N.A.     N.A.
BETHLEHEM STEEL 5.00% PREFERRE PREFERRED STOCK  087509303        8      200 SH       DEFINED             N.A.     N.A.     N.A.
BETHLEHEM STEEL 5.00% PREFERRE PREFERRED STOCK  087509303        8      200 SH       OTHER               N.A.     N.A.     N.A.
FELCOR LODGING TR INC PFD A    PREFERRED STOCK  31430F200        7      400 SH       DEFINED             N.A.     N.A.     N.A.
ROYAL BANK SCOTLAND GROUP ADR  PREFERRED STOCK  780097309       10      400 SH       DEFINED             N.A.     N.A.     N.A.
ROYAL BANK SCOTLAND GROUP ADR  PREFERRED STOCK  780097887        8      400 SH       DEFINED             N.A.     N.A.     N.A.
BLACKROCK INSD MUN 2008 TERM T OTHER            09247K109      130     9196 SH       DEFINED             N.A.     N.A.     N.A.
COLONIAL HIGH INCOME MUN TR    OTHER            195743109       15     2500 SH       OTHER               N.A.     N.A.     N.A.
DREYFUS STRATEGIC MUN BD FD IN OTHER            26202F107       45     5587 SH       DEFINED             N.A.     N.A.     N.A.
DREYFUS STRATEGIC MUNS INC     OTHER            261932107       45     5578 SH       DEFINED             N.A.     N.A.     N.A.
MUNIVEST FD INC                OTHER            626295109       75     9891 SH       DEFINED             N.A.     N.A.     N.A.
MUNIYIELD FD INC               OTHER            626299101       58     4700 SH       DEFINED             N.A.     N.A.     N.A.
MUNIYIELD QUALITY FD INC       OTHER            626302103       23     1880 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INSD MUN OPPORTUNITY FD OTHER            670984103       34     2600 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INSD PREM INCOME MUN FD OTHER            6706D8104       32     2820 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUN ADVANTAGE FD INC    OTHER            67062H106       38     3000 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PERFORMANCE PLUS MUNICI OTHER            67062P108       80     6700 SH       DEFINED             N.A.     N.A.     N.A.
PUTNAM INVT GRADE MUN TR       OTHER            746805100       43     4165 SH       DEFINED             N.A.     N.A.     N.A.
PUTNAM MANAGED MUN INCOME TR   OTHER            746823103       24     2583 SH       DEFINED             N.A.     N.A.     N.A.
SMITH BARNEY INTER MUN FD INC  OTHER            831802103       66     7436 SH       DEFINED             N.A.     N.A.     N.A.
VAN KAMPEN AMERN CAP ADVANTAGE OTHER            921124103       92     7226 SH       DEFINED             N.A.     N.A.     N.A.
VAN KAMPEN AMERN CAP MUN INCOM OTHER            920909108       30     3432 SH       DEFINED             N.A.     N.A.     N.A.
DURA PHARMACEUTICALS 3.500%  7 OTHER            26632SAA7       25    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       21    25000 PRN      DEFINED             N.A.     N.A.     N.A.
DEAN WITTER TCW/DW TERM TRUST  OTHER            87234T101        4      400 SH       DEFINED             N.A.     N.A.     N.A.
PILGRIM PRIME RATE             OTHER            72146W103       27     3000 SH       DEFINED             N.A.     N.A.     N.A.
PILGRIM PRIME RATE             OTHER            72146W103        4      500 SH       OTHER               N.A.     N.A.     N.A.
TEMPLETON GLOBAL INCOME FD INC OTHER            880198106        3      500 SH       DEFINED             N.A.     N.A.     N.A.
FRONTLINE CAP GROUP            OTHER            35921N101        0       20 SH       OTHER               N.A.     N.A.     N.A.
GABELLI UTILITY TRUST          OTHER            36240A101        4      500 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STANLEY DW QUALITY MUNI OTHER            61745P585        2      205 SH       DEFINED             N.A.     N.A.     N.A.
VAN KAMPEN SENIOR INCOME TRUST OTHER            920961109       25     3000 SH       DEFINED             N.A.     N.A.     N.A.
</TABLE>


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