UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 12/31/99
CHECK HERE IF AMENDMENT ( ); AMENDMENT NUMBER:
THIS AMENDMENT (CHECK ONLY ONE.): ( ) IS A RESTATEMENT.
( ) ADDS NEW HOLDINGS ENTRIES
INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT:
NAME: 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 1/8/00
REPORT TYPE (CHECK ONLY ONE.):
( X) 13F HOLDINGS REPORT
( ) 13F NOTICE
( ) 13F COMBINATION REPORT
LIST OF OTHER MANAGERS REPORTING FOR THIS MANAGER:
NONE
I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE ACT OF 1934.
<PAGE>
FORM 13F SUMMARY PAGE
REPORT SUMMARY:
NUMBER OF OTHER INCLUDED MANAGERS: 0
FORM 13F INFORMATION TABLE ENTRY TOTAL: 885
FORM 13F INFORMATION TABLE VALUE TOTAL: $552,622
<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 43 3000 SH
DEFINED 3000 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 6885 189599 SH
DEFINED 187389 0 2210
ABBOTT LABORATORIES COMMON STOCK 002824100 1559 42940 SH
OTHER 42940 0 0
ABM INDS INC COMMON STOCK 000957100 14 700 SH
OTHER 700 0 0
ACM GOVT SPECTRUM FD INC COMMON STOCK 000917104 18 3300 SH
DEFINED 3300 0 0
ACNIELSEN COMMON STOCK 004833109 5 208 SH
DEFINED 208 0 0
ACXIOM COMMON STOCK 005125109 980 40850 SH
DEFINED 40350 0 500
ACXIOM COMMON STOCK 005125109 104 4350 SH
OTHER 4350 0 0
ADAMS GOLF COMMON STOCK 006228100 2 1000 SH
OTHER 1000 0 0
ADC TELECOMMUNICATIONS COMMON STOCK 000886101 6924 95417 SH
DEFINED 94052 0 1365
ADC TELECOMMUNICATIONS COMMON STOCK 000886101 672 9260 SH
OTHER 9260 0 0
ADVANCE PARADIGM COMMON STOCK 007491103 11 500 SH
DEFINED 500 0 0
ADVANCED ENERGY COMMON STOCK 007973100 97 1971 SH
OTHER 1971 0 0
AETNA COMMON STOCK 008117103 22 400 SH
DEFINED 400 0 0
AFFILIATED COMPUTER SVCS INC COMMON STOCK 008190100 30 650 SH
DEFINED 650 0 0
AFFYMETRIX INC COMMON STOCK 00826T108 43 255 SH
DEFINED 255 0 0
AFLAC COMMON STOCK 001055102 486 10300 SH
DEFINED 10300 0 0
AGL RESOURCES COMMON STOCK 001204106 8 480 SH
DEFINED 480 0 0
AK STEEL HOLDING CORP COMMON STOCK 001547108 20 1084 SH
DEFINED 1084 0 0
ALBERTSONS COMMON STOCK 013104104 107 3316 SH
DEFINED 3316 0 0
ALBERTSONS COMMON STOCK 013104104 187 5800 SH
OTHER 5800 0 0
ALCOA COMMON STOCK 013817101 9 104 SH
DEFINED 104 0 0
ALLEGHENY ENERGY COMMON STOCK 017361106 13 468 SH
DEFINED 468 0 0
ALLERGAN COMMON STOCK 018490102 140 2814 SH
DEFINED 2814 0 0
ALLERGAN COMMON STOCK 018490102 388 7800 SH
OTHER 7800 0 0
ALLIANT COMMON STOCK 018802108 11 400 SH
DEFINED 400 0 0
ALLSTATE COMMON STOCK 020002101 387 16064 SH
DEFINED 16064 0 0
ALLSTATE COMMON STOCK 020002101 18 740 SH
OTHER 740 0 0
ALLTEL COMMON STOCK 020039103 40 483 SH
DEFINED 483 0 0
ALLTEL COMMON STOCK 020039103 24 296 SH
OTHER 296 0 0
ALTERA COMMON STOCK 021441100 13 267 SH
OTHER 267 0 0
AMAZON COMMON STOCK 023135106 12 157 SH
DEFINED 25 0 132
AMEREN COMMON STOCK 023608102 53 1625 SH
DEFINED 1625 0 0
AMERICA ONLINE COMMON STOCK 02364J104 266 3511 SH
DEFINED 2778 0 733
AMERICA ONLINE COMMON STOCK 02364J104 19 252 SH
OTHER 252 0 0
AMERICAN ELECTRIC POWER COMMON STOCK 025537101 41 1285 SH
DEFINED 1285 0 0
AMERICAN ELECTRIC POWER COMMON STOCK 025537101 4 112 SH
OTHER 0 0 112
AMERICAN EXPRESS COMMON STOCK 025816109 237 1425 SH
DEFINED 1425 0 0
AMERICAN EXPRESS COMMON STOCK 025816109 33 200 SH
OTHER 200 0 0
AMERICAN GENERAL COMMON STOCK 026351106 229 3012 SH
DEFINED 3012 0 0
AMERICAN GREETINGS COMMON STOCK 026375105 17 700 SH
DEFINED 700 0 0
AMERICAN HOME PRODUCTS COMMON STOCK 026609107 419 10680 SH
DEFINED 10680 0 0
AMERICAN HOME PRODUCTS COMMON STOCK 026609107 118 3000 SH
OTHER 3000 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874107 14932 138098 SH
DEFINED 137536 0 562
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874107 2863 26483 SH
OTHER 26483 0 0
AMERICAN POWER CONVERSION COMMON STOCK 029066107 173 6570 SH
DEFINED 6470 0 100
AMERICAN POWER CONVERSION COMMON STOCK 029066107 11 425 SH
OTHER 425 0 0
AMERICAN WATER WORKS COMMON STOCK 030411102 13 600 SH
OTHER 600 0 0
AMETEK COMMON STOCK 031100100 15 800 SH
DEFINED 800 0 0
AMGEN COMMON STOCK 031162100 6433 107104 SH
DEFINED 106900 0 204
AMGEN COMMON STOCK 031162100 1003 16700 SH
OTHER 16700 0 0
AMLI RESIDENTIAL PRPERTIES TRU COMMON STOCK 001735109 20 1000 SH
DEFINED 1000 0 0
AMR COMMON STOCK 001765106 47 700 SH
DEFINED 700 0 0
ANADARKO PET COMMON STOCK 032511107 53 1542 SH
DEFINED 1542 0 0
ANGLO AMERICAN PLC ADR COMMON STOCK 03485P102 14 220 SH
OTHER 220 0 0
ANGLOGOLD LTD COMMON STOCK 035128206 40 1561 SH
OTHER 1561 0 0
ANHEUSER BUSCH COMMON STOCK 035229103 12 166 SH
DEFINED 166 0 0
APACHE COMMON STOCK 037411105 32 865 SH
DEFINED 865 0 0
APPLE COMPUTER COMMON STOCK 037833100 51 500 SH
DEFINED 500 0 0
APPLIED MATERIALS COMMON STOCK 038222105 73 580 SH
DEFINED 580 0 0
ARCHER DANIELS MIDLAND COMMON STOCK 039483102 37 3013 SH
DEFINED 3013 0 0
ARCHER DANIELS MIDLAND COMMON STOCK 039483102 100 8217 SH
OTHER 8217 0 0
ARROW ELECTRONICS COMMON STOCK 042735100 102 4000 SH
DEFINED 4000 0 0
ASHLAND COMMON STOCK 044204105 14 412 SH
DEFINED 412 0 0
ASSOCIATES FIRST CAPITAL COMMON STOCK 046008108 126 4586 SH
DEFINED 4586 0 0
ASSOCIATES FIRST CAPITAL COMMON STOCK 046008108 23 830 SH
OTHER 830 0 0
AT&T COMMON STOCK 001957109 3118 61369 SH
DEFINED 60529 0 840
AT&T COMMON STOCK 001957109 588 11564 SH
OTHER 8744 0 2820
AT&T LIBERTY MEDIA GROUP COMMON STOCK 001957208 68 1200 SH
DEFINED 1200 0 0
AT&T LIBERTY MEDIA GROUP COMMON STOCK 001957208 39 690 SH
OTHER 690 0 0
ATLANTIC RICHFIELD COMMON STOCK 048825103 3752 43378 SH
DEFINED 43048 0 330
ATLANTIC RICHFIELD COMMON STOCK 048825103 615 7112 SH
OTHER 6680 0 432
ATMOS ENERGY COMMON STOCK 049560105 10 500 SH
DEFINED 500 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 6263 116257 SH
DEFINED 114377 0 1880
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 711 13195 SH
OTHER 13195 0 0
AVNET COMMON STOCK 053807103 115 1900 SH
DEFINED 1900 0 0
AVON PRODUCTS COMMON STOCK 054303102 20 600 SH
DEFINED 600 0 0
AVON PRODUCTS COMMON STOCK 054303102 66 2000 SH
OTHER 2000 0 0
AXA FINANCIAL COMMON STOCK 002451102 5 143 SH
DEFINED 143 0 0
AXA FINANCIAL COMMON STOCK 002451102 7 200 SH
OTHER 200 0 0
BAKER HUGHES COMMON STOCK 057224107 2 100 SH
DEFINED 100 0 0
BAKER HUGHES COMMON STOCK 057224107 26 1238 SH
OTHER 1238 0 0
BALDOR ELECTRIC COMMON STOCK 057741100 6 350 SH
DEFINED 350 0 0
BANCWEST COMMON STOCK 059790105 127 6492 SH
DEFINED 6492 0 0
BANK OF AMERICA COMMON STOCK 060505104 2216 44151 SH
DEFINED 44151 0 0
BANK OF AMERICA COMMON STOCK 060505104 1096 21836 SH
OTHER 21836 0 0
BANK ONE COMMON STOCK 06423A103 144 4503 SH
DEFINED 4503 0 0
BANK ONE COMMON STOCK 06423A103 307 9593 SH
OTHER 9593 0 0
BARNES & NOBLE INC COMMON STOCK 067774109 4 200 SH
DEFINED 200 0 0
BARRETT RESOURCES COMMON STOCK 068480201 17 578 SH
DEFINED 578 0 0
BATTLE MOUNTAIN GOLD COMMON STOCK 071593107 2 729 SH
DEFINED 729 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 388 14400 SH
DEFINED 14400 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 66 2440 SH
OTHER 2440 0 0
BED BATH & BEYOND COMMON STOCK 075896100 4 122 SH
DEFINED 122 0 0
BELL ATLANTIC COMMON STOCK 077853109 1485 24117 SH
DEFINED 24117 0 0
BELL ATLANTIC COMMON STOCK 077853109 273 4438 SH
OTHER 1780 0 2658
BELLSOUTH COMMON STOCK 079860102 1621 34621 SH
DEFINED 34621 0 0
BELLSOUTH COMMON STOCK 079860102 802 17124 SH
OTHER 13740 0 3384
BELO A H CORP COMMON STOCK 080555105 572 30000 SH
DEFINED 30000 0 0
BEMA GOLD COMMON STOCK 08135F107 0 200 SH
DEFINED 200 0 0
BERKSHIRE ENERGY RESOURCES COMMON STOCK 084644103 18 510 SH
OTHER 510 0 0
BERKSHIRE HATHAWAY COMMON STOCK 084670108 56 1 SH
DEFINED 1 0 0
BERKSHIRE HATHAWAY CLASS B COMMON STOCK 084670207 348 190 SH
DEFINED 190 0 0
BEST BUY COMMON STOCK 086516101 2054 40885 SH
DEFINED 40615 0 270
BEST BUY COMMON STOCK 086516101 302 6005 SH
OTHER 6005 0 0
BESTFOODS COMMON STOCK 08658U101 116 2210 SH
DEFINED 2210 0 0
BJS WHOLESALE CLUB COMMON STOCK 05548J106 37 1000 SH
DEFINED 1000 0 0
BLACKROCK INSD MUN TERM TR INC COMMON STOCK 092474105 47 5000 SH
DEFINED 5000 0 0
BLACKROCK TARGET TERM TR COMMON STOCK 092476100 19 2000 SH
DEFINED 2000 0 0
BLUE CHIP VALUE FD INC COMMON STOCK 095333100 5 575 SH
OTHER 575 0 0
BMC SOFTWARE COMMON STOCK 055921100 155 1940 SH
DEFINED 1940 0 0
BOEING COMMON STOCK 097023105 134 3233 SH
DEFINED 3233 0 0
BOEING COMMON STOCK 097023105 157 3800 SH
OTHER 3800 0 0
BOISE CASCADE CORPORATION COMMON STOCK 097383103 13 333 SH
OTHER 333 0 0
BOK FINANCIAL COMMON STOCK 05561Q201 1050 51994 SH
DEFINED 51994 0 0
BOMBAY INC COMMON STOCK 097924104 32 7150 SH
DEFINED 7150 0 0
BOSTON SCIENTIFIC COMMON STOCK 101137107 44 2000 SH
DEFINED 2000 0 0
BP AMOCO PLC COMMON STOCK 055622104 15687 264479 SH
DEFINED 261831 0 2648
BP AMOCO PLC COMMON STOCK 055622104 4115 69379 SH
OTHER 69379 0 0
BRAUNS FASHIONS COMMON STOCK 105658108 63 3000 SH
DEFINED 3000 0 0
BRINKER INTERNATIONAL COMMON STOCK 109641100 7 300 SH
DEFINED 300 0 0
BRINKER INTERNATIONAL COMMON STOCK 109641100 14 600 SH
OTHER 600 0 0
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 9582 149283 SH
DEFINED 147493 0 1790
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 2243 34938 SH
OTHER 34938 0 0
BROADCOM COMMON STOCK 111320107 126 464 SH
DEFINED 400 0 64
BROADVISION COMMON STOCK 111412102 21 124 SH
DEFINED 124 0 0
BURLINGTON NORTHERN SANTA FE COMMON STOCK 12189T104 95 3915 SH
DEFINED 3915 0 0
BURLINGTON RESOURCES COMMON STOCK 122014103 94 2833 SH
DEFINED 2833 0 0
BURLINGTON RESOURCES COMMON STOCK 122014103 346 10457 SH
OTHER 10457 0 0
CALIFORNIA WTR SVC GRP HLDG CO COMMON STOCK 130788102 7 216 SH
DEFINED 216 0 0
CAMDEN PROPERTY TRUST COMMON STOCK 133131102 8 286 SH
DEFINED 286 0 0
CANADA SOUTHN PETE LTD COMMON STOCK 135231108 6 1000 SH
DEFINED 1000 0 0
CAPITOL FED FINL COMMON STOCK 14057C106 3 300 SH
DEFINED 300 0 0
CARNIVAL CORP COMMON STOCK 143658102 3271 68405 SH
DEFINED 67270 0 1135
CARNIVAL CORP COMMON STOCK 143658102 258 5390 SH
OTHER 5390 0 0
CAROLINA POWER & LIGHT COMMON STOCK 144141108 11 370 SH
DEFINED 370 0 0
CAROLINA POWER & LIGHT COMMON STOCK 144141108 18 580 SH
OTHER 580 0 0
CARRINGTON LABS INC COMMON STOCK 144525102 5 2300 SH
DEFINED 2300 0 0
CATELLUS DEVELOPMENT COMMON STOCK 149111106 7 525 SH
DEFINED 525 0 0
CATERPILLAR TRACTOR COMMON STOCK 149123101 51 1081 SH
OTHER 1081 0 0
CATO CORP COMMON STOCK 149205106 6 500 SH
DEFINED 500 0 0
CBS COMMON STOCK 12490K107 265 4147 SH
DEFINED 4147 0 0
CDNOW COMMON STOCK 125086108 8 830 SH
DEFINED 830 0 0
CENTRAL & SOUTHWEST COMMON STOCK 152357109 304 15222 SH
DEFINED 15222 0 0
CENTRAL & SOUTHWEST COMMON STOCK 152357109 38 1900 SH
OTHER 900 0 1000
CENTRAL NEWSPAPERS COMMON STOCK 154647101 47 1200 SH
DEFINED 1200 0 0
CENTURY ALUM CO COMMON STOCK 156431108 8 500 SH
DEFINED 500 0 0
CENTURY BUSINESS SERVICES COMMON STOCK 156490104 4 450 SH
DEFINED 450 0 0
CERIDIAN CORP COMMON STOCK 15677T106 35 1600 SH
DEFINED 1600 0 0
CHALONE WINE GROUP LTD COMMON STOCK 157639105 3 400 SH
DEFINED 400 0 0
CHARMING SHOPPES INC COMMON STOCK 161133103 13 2000 SH
DEFINED 2000 0 0
CHARTER COMMUNICATIONS INC DEL COMMON STOCK 16117M107 4 200 SH
DEFINED 200 0 0
CHASE MANHATTAN COMMON STOCK 16161A108 764 9837 SH
DEFINED 9837 0 0
CHASE MANHATTAN COMMON STOCK 16161A108 28 362 SH
OTHER 362 0 0
CHEMDEX COMMON STOCK 163595101 278 2500 SH
DEFINED 2500 0 0
CHEVRON COMMON STOCK 166751107 3154 36410 SH
DEFINED 36410 0 0
CHEVRON COMMON STOCK 166751107 783 9039 SH
OTHER 9039 0 0
CHINA COM COMMON STOCK G2108N109 16 200 SH
DEFINED 200 0 0
CHIRON COMMON STOCK 170040109 64 1500 SH
DEFINED 1500 0 0
CIGNA COMMON STOCK 125509109 141 1744 SH
DEFINED 1744 0 0
CINERGY COMMON STOCK 172474108 155 6493 SH
DEFINED 6413 0 80
CINERGY COMMON STOCK 172474108 65 2728 SH
OTHER 2728 0 0
CISCO SYSTEMS COMMON STOCK 17275R102 14086 131493 SH
DEFINED 130303 0 1190
CISCO SYSTEMS COMMON STOCK 17275R102 2956 27591 SH
OTHER 27591 0 0
CITIGROUP COMMON STOCK 172967101 1831 32880 SH
DEFINED 32880 0 0
CITIGROUP COMMON STOCK 172967101 148 2655 SH
OTHER 2655 0 0
CITRIX SYSTEMS COMMON STOCK 177376100 61 495 SH
DEFINED 495 0 0
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK 184502102 5 54 SH
DEFINED 54 0 0
CLOROX COMMON STOCK 189054109 10 200 SH
OTHER 200 0 0
CMG INFORMATION SVCS INC COM COMMON STOCK 125750109 14 50 SH
DEFINED 50 0 0
CNA FINL CORP COMMON STOCK 126117100 6 150 SH
DEFINED 150 0 0
COASTAL CORPORATION COMMON STOCK 190441105 298 8400 SH
DEFINED 8400 0 0
COCA-COLA COMMON STOCK 191216100 1736 29811 SH
DEFINED 29811 0 0
COCA-COLA COMMON STOCK 191216100 719 12351 SH
OTHER 12351 0 0
COGNEX COMMON STOCK 192422103 26 656 SH
DEFINED 656 0 0
COLGATE PALMOLIVE COMMON STOCK 194162103 7 100 SH
DEFINED 100 0 0
COLGATE PALMOLIVE COMMON STOCK 194162103 21 327 SH
OTHER 327 0 0
COLUMBIA/HCA HEALTHCARE COMMON STOCK 197677107 0 10 SH
DEFINED 10 0 0
COMDISCO INC COMMON STOCK 200336105 7 200 SH
DEFINED 200 0 0
COMPAQ COMPUTER COMMON STOCK 204493100 181 6700 SH
DEFINED 6700 0 0
COMPUTER ASSOCIATES INTERNATIO COMMON STOCK 204912109 147 2100 SH
DEFINED 2100 0 0
COMPUTER SCIENCES COMMON STOCK 205363104 4072 43035 SH
DEFINED 42150 0 885
COMPUTER SCIENCES COMMON STOCK 205363104 694 7330 SH
OTHER 7330 0 0
CONAGRA COMMON STOCK 205887102 3517 154999 SH
DEFINED 151409 0 3590
CONAGRA COMMON STOCK 205887102 513 22595 SH
OTHER 22595 0 0
CONCENTRIC NETWORK COMMON STOCK 20589R107 2 70 SH
DEFINED 70 0 0
CONECTIV COMMON STOCK 206829103 4 225 SH
DEFINED 225 0 0
CONECTIV INC CL A COMMON STOCK 206829202 1 37 SH
DEFINED 37 0 0
CONEXANT SYSTEMS COMMON STOCK 207142100 93 1400 SH
DEFINED 1400 0 0
CONNECTICUT WATER SERVICES COMMON STOCK 207797101 24 750 SH
DEFINED 750 0 0
CONOCO COMMON STOCK 208251306 12 500 SH
OTHER 500 0 0
CONOCO COMMON STOCK 208251405 114 4601 SH
DEFINED 4601 0 0
CONSOLIDATED EDISON COMMON STOCK 209115104 11 315 SH
DEFINED 315 0 0
CORIXA COMMON STOCK 21887F100 3 202 SH
DEFINED 202 0 0
CORNING COMMON STOCK 219350105 5868 45514 SH
DEFINED 44439 0 1075
CORNING COMMON STOCK 219350105 442 3425 SH
OTHER 3425 0 0
COSTCO WHOLESALE COMMON STOCK 22160K105 415 4550 SH
DEFINED 4550 0 0
COUNTRYWIDE CREDIT INDUSTRIES COMMON STOCK 222372104 25 1000 SH
DEFINED 1000 0 0
COX RADIO CL A COMMON STOCK 224051102 10 100 SH
OTHER 100 0 0
CR BARD COMMON STOCK 067383109 42 800 SH
DEFINED 800 0 0
CRESTLINE CAP CORP COMMON STOCK 226153104 3 122 SH
DEFINED 122 0 0
CSX CORP COMMON STOCK 126408103 19 600 SH
DEFINED 600 0 0
CVS CORP COMMON STOCK 126650100 361 9043 SH
DEFINED 9043 0 0
CVS CORP COMMON STOCK 126650100 96 2400 SH
OTHER 2400 0 0
DALLAS SEMICONDUCTOR COMMON STOCK 235204104 26 400 SH
DEFINED 400 0 0
DANA COMMON STOCK 235811106 212 7070 SH
DEFINED 7070 0 0
DANA COMMON STOCK 235811106 39 1300 SH
OTHER 1300 0 0
DAYTON HUDSON COMMON STOCK 239753106 5197 70770 SH
DEFINED 70070 0 700
DAYTON HUDSON COMMON STOCK 239753106 876 11930 SH
OTHER 11930 0 0
DEERE COMMON STOCK 244199105 5 110 SH
DEFINED 110 0 0
DELAWARE GROUP GLOBAL DIV & IN COMMON STOCK 245916101 90 7700 SH
OTHER 7700 0 0
DELL COMPUTER COMMON STOCK 247025109 62 1224 SH
DEFINED 1224 0 0
DELL COMPUTER COMMON STOCK 247025109 48 936 SH
OTHER 936 0 0
DELPHI AUTOMOTIVE SYSTEMS COMMON STOCK 247126105 42 2652 SH
DEFINED 2652 0 0
DELPHI AUTOMOTIVE SYSTEMS COMMON STOCK 247126105 4 243 SH
OTHER 104 0 139
DELUXE COMMON STOCK 248019101 27 1000 SH
DEFINED 1000 0 0
DENDRITE COMMON STOCK 248239105 25 750 SH
DEFINED 750 0 0
DENTSPLY INTERNATIONAL COMMON STOCK 249030107 6 275 SH
DEFINED 275 0 0
DEVON ENERGY COMMON STOCK 25179M103 7 217 SH
DEFINED 217 0 0
DEVON ENERGY COMMON STOCK 25179M103 11 349 SH
OTHER 349 0 0
DIAMOND OFFSHORE DRILLING COMMON STOCK 25271C102 18 603 SH
DEFINED 603 0 0
DIEBOLD COMMON STOCK 253651103 9 375 SH
DEFINED 375 0 0
DIGITAL MICROWAVE COMMON STOCK 253859102 176 7522 SH
OTHER 7522 0 0
DII GROUP COMMON STOCK 232949107 98 1380 SH
OTHER 1380 0 0
DILLARD'S COMMON STOCK 254067101 10 500 SH
DEFINED 500 0 0
DIONEX COMMON STOCK 254546104 1433 34800 SH
DEFINED 34800 0 0
DIONEX COMMON STOCK 254546104 76 1850 SH
OTHER 1850 0 0
DISNEY WALT HOLDING COMPANY COMMON STOCK 254687106 1404 48010 SH
DEFINED 48010 0 0
DISNEY WALT HOLDING COMPANY COMMON STOCK 254687106 310 10587 SH
OTHER 10587 0 0
DOLLAR GENERAL COMMON STOCK 256669102 43 1881 SH
DEFINED 1881 0 0
DOMINION RESOURCES COMMON STOCK 257470104 59 1500 SH
DEFINED 1500 0 0
DONNA KARAN INTL COMMON STOCK 257826107 3 500 SH
DEFINED 500 0 0
DOVER COMMON STOCK 260003108 94 2063 SH
DEFINED 2063 0 0
DOVER COMMON STOCK 260003108 1301 28676 SH
OTHER 28676 0 0
DOW CHEMICAL COMMON STOCK 260543103 60 450 SH
DEFINED 450 0 0
DOW CHEMICAL COMMON STOCK 260543103 3 20 SH
OTHER 20 0 0
DQE COMMON STOCK 23329J104 36 1050 SH
OTHER 1050 0 0
DRESS BARN COMMON STOCK 261570105 12 725 SH
DEFINED 725 0 0
DU PONT EI DENEMOURS COMMON STOCK 263534109 400 6072 SH
DEFINED 6072 0 0
DU PONT EI DENEMOURS COMMON STOCK 263534109 390 5914 SH
OTHER 5734 0 180
DUFF & PHELPS UTILITIES COMMON STOCK 264324104 4 500 SH
OTHER 500 0 0
DUKE POWER COMMON STOCK 264399106 197 3934 SH
DEFINED 3934 0 0
DUKE POWER COMMON STOCK 264399106 30 600 SH
OTHER 600 0 0
DUN & BRADSTREET COMMON STOCK 26483B106 116 3928 SH
DEFINED 3928 0 0
DUN & BRADSTREET COMMON STOCK 26483B106 183 6200 SH
OTHER 6200 0 0
DURA PHARMACEUTICALS COMMON STOCK 26632S109 10 700 SH
DEFINED 700 0 0
E M C COMMON STOCK 268648102 878 8034 SH
DEFINED 7404 0 630
E M C COMMON STOCK 268648102 371 3400 SH
OTHER 3400 0 0
EARTHSHELL COMMON STOCK 27032B100 62 15000 SH
DEFINED 15000 0 0
EASTMAN KODAK COMMON STOCK 277461109 70 1053 SH
OTHER 1053 0 0
EATON COMMON STOCK 278058102 44 600 SH
DEFINED 600 0 0
ECHELON INTL CORP COMMON STOCK 278747100 2 66 SH
DEFINED 66 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 77 2923 SH
DEFINED 2923 0 0
EL PASO ENERGY COMMON STOCK 283905107 1348 34722 SH
DEFINED 34722 0 0
EL PASO ENERGY COMMON STOCK 283905107 578 14881 SH
OTHER 14881 0 0
ELAN PLC ADR COMMON STOCK 284131208 201 6800 SH
DEFINED 6800 0 0
ELECTRIC FUEL CORP COMMON STOCK 284871100 1 370 SH
DEFINED 370 0 0
ELECTRONIC DATA SYSTEMS COMMON STOCK 285661104 7 100 SH
DEFINED 100 0 0
ELECTRONIC DATA SYSTEMS COMMON STOCK 285661104 214 3200 SH
OTHER 3200 0 0
ELI LILLY COMMON STOCK 532457108 1573 23655 SH
DEFINED 23655 0 0
ELI LILLY COMMON STOCK 532457108 901 13543 SH
OTHER 13543 0 0
EMERSON ELECTRIC COMMON STOCK 291011104 6809 118671 SH
DEFINED 118671 0 0
EMERSON ELECTRIC COMMON STOCK 291011104 80 1390 SH
OTHER 1390 0 0
EMPIRE DISTRICT ELECTRIC COMMON STOCK 291641108 41 1800 SH
DEFINED 1800 0 0
EMPIRE DISTRICT ELECTRIC COMMON STOCK 291641108 25 1116 SH
OTHER 1116 0 0
EMULEX COMMON STOCK 292475209 11 100 SH
DEFINED 100 0 0
ENRON COMMON STOCK 293561106 514 11578 SH
DEFINED 11578 0 0
ENRON COMMON STOCK 293561106 98 2200 SH
OTHER 2200 0 0
ENSCO INTERNATIONAL COMMON STOCK 26874Q100 34 1500 SH
DEFINED 1500 0 0
ENTERGY COMMON STOCK 29364G103 6 221 SH
DEFINED 221 0 0
ENTERPRISE PRODUCTS PARTNERS L COMMON STOCK 293792107 61 3300 SH
OTHER 3300 0 0
EQUITY OFFICE PROPERTIES TRUST COMMON STOCK 294741103 2 70 SH
DEFINED 70 0 0
EQUITY RESIDENTIAL PROPERTIES COMMON STOCK 29476L107 85 2000 SH
DEFINED 2000 0 0
EQUITY RESIDENTIAL PROPERTIES COMMON STOCK 29476L107 5 125 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
EXXON MOBIL COMMON STOCK 30231G102 20417 253426 SH
DEFINED 252376 0 1050
EXXON MOBIL COMMON STOCK 30231G102 11625 144301 SH
OTHER 144301 0 0
FAMILY GOLF CTRS INC COMMON STOCK 30701A106 0 200 SH
DEFINED 200 0 0
FANNIE MAE COMMON STOCK 313586109 5574 89267 SH
DEFINED 87612 0 1655
FANNIE MAE COMMON STOCK 313586109 2067 33105 SH
OTHER 33105 0 0
FAROUDJA COMMON STOCK 311643100 68 13560 SH
DEFINED 13560 0 0
FDX COMMON STOCK 31304N107 7 160 SH
DEFINED 160 0 0
FEDERAL HOME LOAN MORTGAGE COR COMMON STOCK 313400301 185 3940 SH
DEFINED 3940 0 0
FEDERATED DEPARTMENT STORES COMMON STOCK 31410H101 25 500 SH
DEFINED 500 0 0
FIRST DATA COMMON STOCK 319963104 865 17550 SH
DEFINED 17150 0 400
FIRST DATA COMMON STOCK 319963104 109 2205 SH
OTHER 2205 0 0
FIRST INDUSTRIAL REALTY TRUST COMMON STOCK 32054K103 706 25740 SH
DEFINED 25340 0 400
FIRST INDUSTRIAL REALTY TRUST COMMON STOCK 32054K103 117 4250 SH
OTHER 4250 0 0
FIRST TENNESSEE NATIONAL COMMON STOCK 337162101 14 482 SH
DEFINED 482 0 0
FIRST UNION COMMON STOCK 337358105 115 3500 SH
DEFINED 3500 0 0
FIRSTAR WISC COMMON STOCK 33763V109 50 2352 SH
DEFINED 2352 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 25 1102 SH
DEFINED 1102 0 0
FLEETBOSTON FINANCIAL COMMON STOCK 339030108 77 2200 SH
DEFINED 2200 0 0
FLEMING COS INC COMMON STOCK 339130106 5 500 SH
DEFINED 500 0 0
FLORIDA PROGRESS COMMON STOCK 341109106 61 1450 SH
DEFINED 1450 0 0
FLUOR COMMON STOCK 343861100 18 400 SH
DEFINED 400 0 0
FLUOR COMMON STOCK 343861100 1 20 SH
OTHER 20 0 0
FORD COMMON STOCK 345370100 648 12157 SH
DEFINED 12157 0 0
FORD COMMON STOCK 345370100 65 1224 SH
OTHER 1224 0 0
FOREST OIL CORP COMMON STOCK 346091606 8 600 SH
DEFINED 600 0 0
FORTUNE BRANDS COMMON STOCK 349631101 298 9000 SH
DEFINED 9000 0 0
FORTUNE BRANDS COMMON STOCK 349631101 26 800 SH
OTHER 800 0 0
FOSSIL COMMON STOCK 349882100 14 600 SH
DEFINED 600 0 0
FOX ENTERTAINMENT GROUP COMMON STOCK 35138T107 11 450 SH
DEFINED 450 0 0
FREEPORT MCMORAN COPPER CLASS COMMON STOCK 35671D857 37 1754 SH
DEFINED 1754 0 0
FREEPORT-MCMORAN COPPER INC. COMMON STOCK 35671D105 2 124 SH
DEFINED 124 0 0
G & K SVCS INC CL A COMMON STOCK 361268105 168 5200 SH
DEFINED 5200 0 0
GANNETT COMMON STOCK 364730101 1948 23880 SH
DEFINED 23880 0 0
GANNETT COMMON STOCK 364730101 179 2200 SH
OTHER 2200 0 0
GAP COMMON STOCK 364760108 220 4783 SH
DEFINED 4783 0 0
GAP COMMON STOCK 364760108 215 4674 SH
OTHER 4674 0 0
GARTNER CL B COMMON STOCK 366651206 3 215 SH
DEFINED 215 0 0
GARTNER CL B COMMON STOCK 366651206 20 1431 SH
OTHER 1431 0 0
GARTNER GROUP COMMON STOCK 366651107 38 2500 SH
DEFINED 2500 0 0
GATEWAY COMMON STOCK 367626108 5 65 SH
DEFINED 65 0 0
GATEWAY COMMON STOCK 367626108 19 270 SH
OTHER 270 0 0
GENENTECH COMMON STOCK 368710406 135 1000 SH
DEFINED 1000 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 53 1000 SH
DEFINED 1000 0 0
GENERAL ELECTRIC COMMON STOCK 369604103 29857 192938 SH
DEFINED 191763 0 1175
GENERAL ELECTRIC COMMON STOCK 369604103 21570 139388 SH
OTHER 139388 0 0
GENERAL MOTORS COMMON STOCK 370442105 305 4190 SH
DEFINED 4190 0 0
GENERAL MOTORS COMMON STOCK 370442105 25 350 SH
OTHER 150 0 200
GENERAL MOTORS CLASS H COMMON STOCK 370442832 14 149 SH
DEFINED 149 0 0
GENESIS ENERGY L P COMMON STOCK 371927104 4 500 SH
DEFINED 500 0 0
GEORGIA PACIFIC COMMON STOCK 373298108 235 4624 SH
DEFINED 4624 0 0
GEORGIA PACIFIC TIMBER GROUP COMMON STOCK 373298702 75 3059 SH
DEFINED 3059 0 0
GETTHERE.COM COMMON STOCK 374266104 8 200 SH
DEFINED 200 0 0
GILLETTE COMMON STOCK 375766102 528 12816 SH
DEFINED 12816 0 0
GILLETTE COMMON STOCK 375766102 341 8273 SH
OTHER 8273 0 0
GLIMCHER REALTY TRUST COMMON STOCK 379302102 7 530 SH
DEFINED 530 0 0
GLOBAL CROSSING LTD COMMON STOCK G3921A100 10 200 SH
DEFINED 200 0 0
GLOBALSTAR TELECOMMUNICTNS COMMON STOCK G3930H104 4 100 SH
DEFINED 100 0 0
GOODYEAR TIRE & RUBBER COMMON STOCK 382550101 17 600 SH
DEFINED 600 0 0
GOODYEAR TIRE & RUBBER COMMON STOCK 382550101 27 970 SH
OTHER 970 0 0
GOODYS FAMILY CLOTHING COMMON STOCK 382588101 8 1500 SH
DEFINED 1500 0 0
GO2NET INC COMMON STOCK 383486107 4 50 SH
OTHER 50 0 0
GRAINGER (W.W.) COMMON STOCK 384802104 12 250 SH
DEFINED 250 0 0
GRAINGER (W.W.) COMMON STOCK 384802104 59 1240 SH
OTHER 1240 0 0
GREAT ATLANTIC & PAC TEA INC COMMON STOCK 390064103 4 131 SH
OTHER 131 0 0
GREAT LAKES CHEMICAL COMMON STOCK 390568103 53 1400 SH
DEFINED 1400 0 0
GTE COMMON STOCK 362320103 9446 133869 SH
DEFINED 132292 0 1577
GTE COMMON STOCK 362320103 1650 23383 SH
OTHER 23383 0 0
H&R BLOCK COMMON STOCK 093671105 123 2800 SH
DEFINED 2800 0 0
HALLIBURTON COMMON STOCK 406216101 306 7600 SH
DEFINED 7600 0 0
HARLEY DAVIDSON COMMON STOCK 412822108 6 100 SH
DEFINED 100 0 0
HARLEY DAVIDSON COMMON STOCK 412822108 45 703 SH
OTHER 703 0 0
HARTE HANKS COMMON STOCK 416196103 48 2200 SH
DEFINED 2200 0 0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK 416515104 135 2850 SH
DEFINED 2850 0 0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK 416515104 9 200 SH
OTHER 200 0 0
HASBRO INC COMMON STOCK 418056107 2 100 SH
DEFINED 100 0 0
HELMERICH & PAYNE COMMON STOCK 423452101 69 3195 SH
DEFINED 3195 0 0
HELMERICH & PAYNE COMMON STOCK 423452101 88 4034 SH
OTHER 4034 0 0
HERMAN MILLER COMMON STOCK 600544100 1396 60715 SH
DEFINED 59355 0 1360
HERMAN MILLER COMMON STOCK 600544100 102 4420 SH
OTHER 4420 0 0
HERSHEY FOODS COMMON STOCK 427866108 43 900 SH
DEFINED 900 0 0
HERSHEY FOODS COMMON STOCK 427866108 123 2600 SH
OTHER 2600 0 0
HEWLETT-PACKARD COMMON STOCK 428236103 7504 65966 SH
DEFINED 64231 0 1735
HEWLETT-PACKARD COMMON STOCK 428236103 2035 17890 SH
OTHER 17890 0 0
HIGHLANDS INS GROUP INC COMMON STOCK 431032101 0 40 SH
DEFINED 40 0 0
HILTON HOTELS CORP COMMON STOCK 432848109 5 512 SH
DEFINED 512 0 0
HJ HEINZ COMMON STOCK 423074103 193 4850 SH
DEFINED 4850 0 0
HJ HEINZ COMMON STOCK 423074103 108 2725 SH
OTHER 2725 0 0
HOME DEPOT COMMON STOCK 437076102 3051 44372 SH
DEFINED 44069 0 303
HOME DEPOT COMMON STOCK 437076102 128 1863 SH
OTHER 1863 0 0
HONEYWELL INTL COMMON STOCK 438516106 465 8054 SH
DEFINED 8054 0 0
HONEYWELL INTL COMMON STOCK 438516106 294 5098 SH
OTHER 5098 0 0
HOST MARRIOTT COMMON STOCK 44107P104 20 2381 SH
DEFINED 2381 0 0
HOUSEHOLD INTERNATIONAL COMMON STOCK 441815107 83 2232 SH
DEFINED 2232 0 0
HRPT PROPERTY TRUST COMMON STOCK 40426W101 5 500 SH
DEFINED 500 0 0
HRPT PROPERTY TRUST COMMON STOCK 40426W101 1 125 SH
OTHER 125 0 0
HUMAN GENOME SCIENCES INC COMMON STOCK 444903108 57 375 SH
DEFINED 375 0 0
HUNTINGTON BANCSHARES COMMON STOCK 446150104 231 9680 SH
DEFINED 9680 0 0
HUSSMANN INTERNATIONAL COMMON STOCK 448110106 15 1000 SH
DEFINED 1000 0 0
IDACORP COMMON STOCK 451107106 19 710 SH
DEFINED 710 0 0
IMATION CORP COMMON STOCK 45245A107 1 20 SH
OTHER 20 0 0
IMC GLOBAL COMMON STOCK 449669100 13 798 SH
DEFINED 798 0 0
IMMUNOMEDICS COMMON STOCK 452907108 61 5000 SH
DEFINED 5000 0 0
IMS HEALTH COMMON STOCK 449934108 83 3056 SH
DEFINED 3056 0 0
IMS HEALTH COMMON STOCK 449934108 337 12400 SH
OTHER 12400 0 0
INDUSTRIAL DISTRIBUTION GROUP COMMON STOCK 456061100 4 1200 SH
DEFINED 1200 0 0
INGERSOLL RAND COMMON STOCK 456866102 31 570 SH
DEFINED 570 0 0
INKTOMI COMMON STOCK 457277101 23 254 SH
DEFINED 38 0 216
INTEL COMMON STOCK 458140100 9677 117568 SH
DEFINED 116398 0 1170
INTEL COMMON STOCK 458140100 1397 16976 SH
OTHER 16976 0 0
INTERMEDIA COMMUNICATIONS COMMON STOCK 458801107 2 50 SH
DEFINED 50 0 0
INTERNATIONAL BUSINESS MACHINE COMMON STOCK 459200101 647 5998 SH
DEFINED 5998 0 0
INTERNATIONAL BUSINESS MACHINE COMMON STOCK 459200101 325 3015 SH
OTHER 3015 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 30 800 SH
DEFINED 800 0 0
INTERNATIONAL PAPER COMMON STOCK 460146103 136 2413 SH
DEFINED 2413 0 0
INTERNATIONAL PAPER COMMON STOCK 460146103 91 1620 SH
OTHER 1620 0 0
INTERNET CAPITAL GROUP COMMON STOCK 46059C106 13 75 SH
DEFINED 75 0 0
INTERNET COM CORP COMMON STOCK 460967102 11 217 SH
DEFINED 217 0 0
INTERPUBLIC GROUP OF COMPANIES COMMON STOCK 460690100 2447 42410 SH
DEFINED 42410 0 0
INTERPUBLIC GROUP OF COMPANIES COMMON STOCK 460690100 1301 22560 SH
OTHER 22560 0 0
INTIMATE BRANDS COMMON STOCK 461156101 6 150 SH
DEFINED 150 0 0
IONICS INC COMMON STOCK 462218108 4 150 SH
DEFINED 150 0 0
IPALCO ENTERPRISES COMMON STOCK 462613100 41 2400 SH
DEFINED 2400 0 0
IT GROUP INC (FORMERLY INTERNA COMMON STOCK 465266104 2 250 SH
DEFINED 250 0 0
IT GROUP INC (FORMERLY INTERNA COMMON STOCK 465266104 46 5000 SH
OTHER 5000 0 0
ITT INDUSTRIES COMMON STOCK 450911102 100 3000 SH
DEFINED 3000 0 0
JDS UNIPHASE COMMON STOCK 46612J101 48 300 SH
DEFINED 300 0 0
JOHN HANCOCK INCOME SECURITIES COMMON STOCK 410123103 28 2200 SH
DEFINED 2200 0 0
JOHN NUVEEN COMMON STOCK 478035108 18 500 SH
DEFINED 500 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 5713 61268 SH
DEFINED 61253 0 15
JOHNSON & JOHNSON COMMON STOCK 478160104 1158 12418 SH
OTHER 12418 0 0
JP MORGAN COMMON STOCK 616880100 6 50 SH
DEFINED 50 0 0
JP MORGAN COMMON STOCK 616880100 61 479 SH
OTHER 479 0 0
K MART COMMON STOCK 482584109 1 100 SH
OTHER 100 0 0
KANSAS CITY POWER & LIGHT COMMON STOCK 485134100 56 2540 SH
DEFINED 2540 0 0
KANSAS CITY SOUTHERN INDUSTRIE COMMON STOCK 485170104 1694 22700 SH
DEFINED 22700 0 0
KANSAS CITY SOUTHERN INDUSTRIE COMMON STOCK 485170104 111 1485 SH
OTHER 1485 0 0
KEMPER INTERMEDIATE GOVERNMENT COMMON STOCK 488413105 8 1200 SH
DEFINED 1200 0 0
KERR MCGEE COMMON STOCK 492386107 116 1879 SH
DEFINED 1879 0 0
KEYSPAN COMMON STOCK 49337W100 71 3062 SH
DEFINED 3062 0 0
KIMBERLY CLARK COMMON STOCK 494368103 688 10520 SH
DEFINED 10520 0 0
KIMBERLY CLARK COMMON STOCK 494368103 190 2910 SH
OTHER 2910 0 0
KINDER MORGAN COMMON STOCK 49455P101 20 1000 SH
DEFINED 1000 0 0
KINROSS GOLD CORP COMMON STOCK 496902107 0 29 SH
DEFINED 29 0 0
KNIGHT TRIMARK GROUP COMMON STOCK 499067106 5 100 SH
DEFINED 100 0 0
KOHLS CORP COMMON STOCK 500255104 100 1390 SH
OTHER 1390 0 0
KROGER COMMON STOCK 501044101 898 47599 SH
DEFINED 46074 0 1525
KROGER COMMON STOCK 501044101 114 6026 SH
OTHER 6026 0 0
LACLEDE GAS COMMON STOCK 505588103 13 600 SH
DEFINED 600 0 0
LEAP WIRELESS INTERNATIONAL COMMON STOCK 521863100 36 459 SH
DEFINED 0 0 459
LEGGETT & PLATT COMMON STOCK 524660107 3547 165452 SH
DEFINED 161707 0 3745
LEGGETT & PLATT COMMON STOCK 524660107 522 24330 SH
OTHER 24330 0 0
LENNAR COMMON STOCK 526057104 367 22570 SH
DEFINED 22570 0 0
LENNAR COMMON STOCK 526057104 11 700 SH
OTHER 700 0 0
LEXMARK INTERNATIONAL GROUP COMMON STOCK 529771107 76 840 SH
DEFINED 840 0 0
LIMITED COMMON STOCK 532716107 4 100 SH
DEFINED 100 0 0
LINCOLN NATIONAL COMMON STOCK 534187109 2 60 SH
DEFINED 60 0 0
LINCOLN NATIONAL COMMON STOCK 534187109 128 3200 SH
OTHER 3200 0 0
LINDSAY MANUFACTURING COMMON STOCK 535555106 15 800 SH
DEFINED 800 0 0
LIZ CLAIBORNE INC COMMON STOCK 539320101 21 560 SH
DEFINED 560 0 0
LOCAL FINL CORP COMMON STOCK 539553107 2 200 SH
DEFINED 200 0 0
LOCKHEED MARTIN COMMON STOCK 539830109 13 600 SH
DEFINED 600 0 0
LORAL SPACE & COMMUNICATIONS COMMON STOCK G56462107 5 200 SH
DEFINED 200 0 0
LOUISIANA PACIFIC COMMON STOCK 546347105 23 1610 SH
DEFINED 1610 0 0
LOWES COMMON STOCK 548661107 2819 47174 SH
DEFINED 46914 0 260
LOWES COMMON STOCK 548661107 313 5245 SH
OTHER 5245 0 0
LSI LOGIC COMMON STOCK 502161102 155 2300 SH
DEFINED 2300 0 0
LUBY'S COMMON STOCK 549282101 11 1000 SH
DEFINED 1000 0 0
LUCENT TECHNOLOGIES COMMON STOCK 549463107 2803 37372 SH
DEFINED 37372 0 0
LUCENT TECHNOLOGIES COMMON STOCK 549463107 481 6415 SH
OTHER 3979 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 28 1760 SH
DEFINED 1760 0 0
MANPOWER COMMON STOCK 56418H100 15 400 SH
DEFINED 400 0 0
MANULIFE FINL CORP COMMON STOCK 56501R106 176 13889 SH
DEFINED 13889 0 0
MARKETWATCH COMMON STOCK 570619106 4 100 SH
DEFINED 100 0 0
MARRIOTT COMMON STOCK 571903202 1523 48240 SH
DEFINED 48240 0 0
MARRIOTT COMMON STOCK 571903202 301 9550 SH
OTHER 9550 0 0
MARSH & MCLENNAN COMMON STOCK 571748102 83 870 SH
DEFINED 870 0 0
MARTHA STEWART LIVING COMMON STOCK 573083102 4 150 SH
DEFINED 150 0 0
MASCO COMMON STOCK 574599106 5 208 SH
OTHER 208 0 0
MATTEL COMMON STOCK 577081102 48 3685 SH
DEFINED 3685 0 0
MAY DEPARTMENT STORES COMMON STOCK 577778103 68 2100 SH
DEFINED 2100 0 0
MAYTAG COMMON STOCK 578592107 7 150 SH
DEFINED 150 0 0
MBIA COMMON STOCK 55262C100 1464 27720 SH
DEFINED 26920 0 800
MBIA COMMON STOCK 55262C100 85 1600 SH
OTHER 1600 0 0
MBNA COMMON STOCK 55262L100 61 2250 SH
DEFINED 2250 0 0
MBNA COMMON STOCK 55262L100 14 531 SH
OTHER 531 0 0
MCCORMICK & COMPANY NON VOTING COMMON STOCK 579780206 93 3120 SH
OTHER 3120 0 0
MCDONALDS COMMON STOCK 580135101 688 17057 SH
DEFINED 17057 0 0
MCDONALDS COMMON STOCK 580135101 423 10500 SH
OTHER 10500 0 0
MCI WORLDCOM COMMON STOCK 55268B106 1832 34532 SH
DEFINED 34532 0 0
MCI WORLDCOM COMMON STOCK 55268B106 496 9342 SH
OTHER 9342 0 0
MCN ENERGY GROUP COMMON STOCK 55267J100 10 400 SH
OTHER 400 0 0
MDU RESOURCES GROUP COMMON STOCK 552690109 82 4100 SH
DEFINED 4100 0 0
MEDIAONE GROUP COMMON STOCK 58440J104 2991 38933 SH
DEFINED 38908 0 25
MEDIAONE GROUP COMMON STOCK 58440J104 494 6437 SH
OTHER 5985 0 452
MEDTRONIC COMMON STOCK 585055106 670 18378 SH
DEFINED 18053 0 325
MEDTRONIC COMMON STOCK 585055106 25 692 SH
OTHER 692 0 0
MELLON FINL COMMON STOCK 58551A108 73 2136 SH
DEFINED 2136 0 0
MENS WEARHOUSE INC COMMON STOCK 587118100 13 430 SH
DEFINED 430 0 0
MERCK COMMON STOCK 589331107 8333 124028 SH
DEFINED 122328 0 1700
MERCK COMMON STOCK 589331107 1900 28281 SH
OTHER 28281 0 0
MERITOR AUTOMOTIVE COMMON STOCK 59000G100 9 467 SH
DEFINED 467 0 0
MERRILL LYNCH COMMON STOCK 590188108 8 100 SH
DEFINED 100 0 0
MESA OFFSHORE TRUST COMMON STOCK 590650107 3 90000 SH
DEFINED 90000 0 0
METAMOR WORLDWIDE COMMON STOCK 59133P100 70 2400 SH
DEFINED 2400 0 0
MGI PROPERTIES COMMON STOCK 552885105 4 850 SH
DEFINED 850 0 0
MICROSOFT COMMON STOCK 594918104 18262 156423 SH
DEFINED 156423 0 0
MICROSOFT COMMON STOCK 594918104 4709 40331 SH
OTHER 40331 0 0
MIDAS COMMON STOCK 595626102 7 333 SH
DEFINED 333 0 0
MILLENNIUM PHARMACEUTICALS INC COMMON STOCK 599902103 57 465 SH
DEFINED 465 0 0
MINNESOTA MINING & MANUFACTURI COMMON STOCK 604059105 714 7295 SH
DEFINED 7295 0 0
MINNESOTA MINING & MANUFACTURI COMMON STOCK 604059105 214 2190 SH
OTHER 2190 0 0
MOLEX COMMON STOCK 608554101 1509 26616 SH
DEFINED 25866 0 750
MOLEX COMMON STOCK 608554101 67 1185 SH
OTHER 1185 0 0
MOLEX COMMON STOCK 608554200 59 1300 SH
DEFINED 1300 0 0
MONDAVI ROBERT CORP COMMON STOCK 609200100 7 200 SH
DEFINED 200 0 0
MONSANTO COMMON STOCK 611662107 367 10355 SH
DEFINED 10355 0 0
MONSANTO COMMON STOCK 611662107 18 500 SH
OTHER 500 0 0
MONTANA POWER COMMON STOCK 612085100 29 800 SH
DEFINED 800 0 0
MONTGOMERY STRATEGIC INCOME COMMON STOCK 614115103 16 1000 SH
DEFINED 1000 0 0
MONY GROUP COMMON STOCK 615337102 22 764 SH
DEFINED 764 0 0
MORGAN STANLEY DW DISCOVERY COMMON STOCK 617446448 639 4474 SH
DEFINED 4474 0 0
MORGAN STANLEY DW DISCOVERY COMMON STOCK 617446448 124 868 SH
OTHER 868 0 0
MOTOROLA COMMON STOCK 620076109 529 3591 SH
DEFINED 3591 0 0
MOTOROLA COMMON STOCK 620076109 353 2400 SH
OTHER 2400 0 0
MOVIE GALLERY INC COMMON STOCK 624581104 4 1000 SH
DEFINED 1000 0 0
MUNIYIELD INSD FD INC COMMON STOCK 62630E107 35 3000 SH
DEFINED 3000 0 0
MUTUAL RISK MANAGEMENT COMMON STOCK 628351108 42 2500 SH
DEFINED 2500 0 0
NABORS INDS INC COMMON STOCK 629568106 2 55 SH
DEFINED 55 0 0
NASDAQ 100 SHARES COMMON STOCK 631100104 20 108 SH
DEFINED 108 0 0
NATIONAL CITY CORP COMMON STOCK 635405103 71 3000 SH
DEFINED 3000 0 0
NATIONAL CITY CORP COMMON STOCK 635405103 7 300 SH
OTHER 300 0 0
NATIONAL FUEL GAS COMMON STOCK 636180101 47 1000 SH
DEFINED 1000 0 0
NATIONWIDE HEALTH PROPERTIES COMMON STOCK 638620104 18 1300 SH
OTHER 1300 0 0
NCR COMMON STOCK 62886E108 4 110 SH
DEFINED 110 0 0
NCR COMMON STOCK 62886E108 1 31 SH
OTHER 31 0 0
NETWORK APPLIANCE INC COMMON STOCK 64120L104 108 1300 SH
DEFINED 1300 0 0
NEW CENTURY ENERGIES COMMON STOCK 64352U103 18 600 SH
DEFINED 600 0 0
NEW CENTURY ENERGIES COMMON STOCK 64352U103 43 1425 SH
OTHER 1425 0 0
NEW ENGLAND ELECTRIC SYSTEMS COMMON STOCK 644001109 43 822 SH
DEFINED 822 0 0
NEW PLAN EXCEL REALTY TRUST COMMON STOCK 648053106 11 669 SH
DEFINED 669 0 0
NEWELL RUBBERMAID COMMON STOCK 651229106 2045 70520 SH
DEFINED 70220 0 300
NEWELL RUBBERMAID COMMON STOCK 651229106 376 12975 SH
OTHER 12975 0 0
NEWHALL LAND/FARMING COMMON STOCK 651426108 22 800 SH
DEFINED 800 0 0
NEWMONT MINING COMMON STOCK 651639106 13 545 SH
DEFINED 545 0 0
NEXTEL COMMUNICATIONS COMMON STOCK 65332V103 14 136 SH
DEFINED 136 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 15 300 SH
DEFINED 300 0 0
NOBLE AFFILIATES COMMON STOCK 654894104 106 4940 SH
OTHER 4940 0 0
NORFOLK SOUTHERN COMMON STOCK 655844108 127 6195 SH
DEFINED 6195 0 0
NORFOLK SOUTHERN COMMON STOCK 655844108 185 9000 SH
OTHER 9000 0 0
NORTEL NETWORKS CORP COMMON STOCK 656569100 28 280 SH
DEFINED 280 0 0
NORTHERN STATES POWER COMMON STOCK 665772109 11 572 SH
DEFINED 572 0 0
NORTHWEST NATURAL GAS COMMON STOCK 667655104 35 1575 SH
DEFINED 1575 0 0
NSTAR COMMON STOCK 67019E107 13 325 SH
DEFINED 325 0 0
NUVEEN SELECT TAX FREE INCOME COMMON STOCK 67063X100 23 1850 SH
DEFINED 1850 0 0
O I CORP COM COMMON STOCK 670841105 4 1050 SH
DEFINED 1050 0 0
OAK INDS INC COMMON STOCK 671400505 49 465 SH
DEFINED 465 0 0
OCCIDENTAL PETROLEUM COMMON STOCK 674599105 4 200 SH
DEFINED 200 0 0
OFFICE DEPOT COMMON STOCK 676220106 3 300 SH
DEFINED 300 0 0
OFFICEMAX COMMON STOCK 67622M108 4 750 SH
DEFINED 750 0 0
OGE ENERGY CORPORATION COMMON STOCK 670837103 747 39319 SH
DEFINED 39319 0 0
OGE ENERGY CORPORATION COMMON STOCK 670837103 152 8020 SH
OTHER 8020 0 0
OMNICOM GROUP COMMON STOCK 681919106 610 6100 SH
DEFINED 6100 0 0
OMNICOM GROUP COMMON STOCK 681919106 230 2300 SH
OTHER 2300 0 0
ONE PRICE CLOTHING STORES COMMON STOCK 682411103 3 1000 SH
DEFINED 1000 0 0
ONEOK COMMON STOCK 682680103 472 18769 SH
DEFINED 18769 0 0
ONEOK COMMON STOCK 682680103 150 5956 SH
OTHER 5656 0 300
ORACLE COMMON STOCK 68389X105 213 1900 SH
DEFINED 1900 0 0
PACCAR COMMON STOCK 693718108 440 9925 SH
DEFINED 9825 0 100
PACCAR COMMON STOCK 693718108 164 3700 SH
OTHER 3700 0 0
PACIFIC CENTY FINL CORP COMMON STOCK 694058108 8 432 SH
DEFINED 432 0 0
PACTIV CORP COMMON STOCK 695257105 5 440 SH
DEFINED 440 0 0
PAINE WEBBER GROUP COMMON STOCK 695629105 58 1500 SH
DEFINED 1500 0 0
PALL COMMON STOCK 696429307 20 933 SH
DEFINED 933 0 0
PAPA JOHNS INTERNATIONAL COMMON STOCK 698813102 8 300 SH
DEFINED 300 0 0
PARKER DRILLING COMMON STOCK 701081101 1 450 SH
DEFINED 450 0 0
PATTERSON DENTAL CO COMMON STOCK 703412106 11 250 SH
OTHER 250 0 0
PAYLESS SHOESOURCE INC COMMON STOCK 704379106 9 192 SH
DEFINED 192 0 0
PEAPOD INC COMMON STOCK 704718105 4 500 SH
DEFINED 500 0 0
PECO ENERGY COMMON STOCK 693304107 15 425 SH
DEFINED 425 0 0
PECO ENERGY COMMON STOCK 693304107 10 275 SH
OTHER 275 0 0
PENNZOIL-QUAKER STATE COMMON STOCK 709323109 5 486 SH
DEFINED 486 0 0
PENNZOIL-QUAKER STATE COMMON STOCK 709323109 8 784 SH
OTHER 784 0 0
PEOPLES ENERGY COMMON STOCK 711030106 34 1000 SH
DEFINED 1000 0 0
PEOPLESOFT COMMON STOCK 712713106 13 600 SH
DEFINED 600 0 0
PEP BOY - MANNEY MOE & JACK COMMON STOCK 713278109 40 4504 SH
OTHER 4504 0 0
PEPSICO COMMON STOCK 713448108 5676 161011 SH
DEFINED 159351 0 1660
PEPSICO COMMON STOCK 713448108 1893 53700 SH
OTHER 53700 0 0
PFIZER COMMON STOCK 717081103 2158 66535 SH
DEFINED 66535 0 0
PFIZER COMMON STOCK 717081103 677 20863 SH
OTHER 20863 0 0
PG&E COMMON STOCK 69331C108 54 2632 SH
DEFINED 2632 0 0
PHARMACIA & UPJOHN COMMON STOCK 716941109 14 300 SH
DEFINED 300 0 0
PHARMACYCLICS COMMON STOCK 716933106 21 500 SH
DEFINED 500 0 0
PHELPS DODGE COMMON STOCK 717265102 38 565 SH
DEFINED 565 0 0
PHELPS DODGE COMMON STOCK 717265102 5 74 SH
OTHER 74 0 0
PHILIP MORRIS COMMON STOCK 718154107 515 22400 SH
DEFINED 22400 0 0
PHILIP MORRIS COMMON STOCK 718154107 124 5400 SH
OTHER 5400 0 0
PHILLIPS PETROLEUM COMMON STOCK 718507106 763 16234 SH
DEFINED 16234 0 0
PHILLIPS PETROLEUM COMMON STOCK 718507106 156 3322 SH
OTHER 3322 0 0
PIONEER NATURAL RESOURCES CO COMMON STOCK 723787107 0 38 SH
DEFINED 38 0 0
PITNEY BOWES COMMON STOCK 724479100 188 3900 SH
DEFINED 3900 0 0
PITNEY BOWES COMMON STOCK 724479100 99 2050 SH
OTHER 2050 0 0
PLAYERS INTL INC COMMON STOCK 727903106 8 1000 SH
DEFINED 1000 0 0
PLUM CREEK TIMBER COMMON STOCK 729251108 165 6600 SH
OTHER 6600 0 0
PNC FINANCIAL COMMON STOCK 693475105 4 100 SH
DEFINED 100 0 0
PNC FINANCIAL COMMON STOCK 693475105 20 450 SH
OTHER 450 0 0
POLO RALPH LAUREN COMMON STOCK 731572103 17 1000 SH
DEFINED 1000 0 0
PP&L RESOURCES COMMON STOCK 693499105 23 1002 SH
DEFINED 1002 0 0
PRAXAIR COMMON STOCK 74005P104 136 2700 SH
DEFINED 2700 0 0
PRE-PAID LEGAL SERVICES COMMON STOCK 740065107 122 5070 SH
DEFINED 5070 0 0
PROCTER & GAMBLE COMMON STOCK 742718109 3272 29860 SH
DEFINED 29555 0 305
PROCTER & GAMBLE COMMON STOCK 742718109 1449 13227 SH
OTHER 13227 0 0
PROVIDIAN FINANCIAL COMMON STOCK 74406A102 310 3400 SH
DEFINED 3400 0 0
PROVIDIAN FINANCIAL COMMON STOCK 74406A102 348 3825 SH
OTHER 3825 0 0
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK 744573106 3 100 SH
DEFINED 100 0 0
PUGET SOUND ENERGY COMMON STOCK 745332106 2 125 SH
DEFINED 125 0 0
QLOGIC COMMON STOCK 747277101 32 200 SH
DEFINED 200 0 0
QUAKER OATS CO COMMON STOCK 747402105 473 7200 SH
DEFINED 7200 0 0
QUALCOMM COMMON STOCK 747525103 79 446 SH
DEFINED 446 0 0
QWEST COMMUNICATIONS INTERNATI COMMON STOCK 749121109 9 200 SH
DEFINED 200 0 0
R H DONNELLEY CORP NEW COMMON STOCK 74955W307 2 125 SH
DEFINED 125 0 0
RAYOVAC COMMON STOCK 755081106 34 1800 SH
DEFINED 1800 0 0
RAYTHEON CLASS A COMMON STOCK 755111309 6 245 SH
DEFINED 245 0 0
RAYTHEON CLASS A COMMON STOCK 755111309 2 65 SH
OTHER 65 0 0
RAYTHEON CLASS B COMMON STOCK 755111408 2077 78187 SH
DEFINED 77132 0 1055
RAYTHEON CLASS B COMMON STOCK 755111408 292 11007 SH
OTHER 11007 0 0
RECKSON ASSOCIATES COMMON STOCK 75621K106 5 250 SH
OTHER 250 0 0
RELIANT ENERGY COMMON STOCK 75952J108 172 7524 SH
DEFINED 7524 0 0
RELIANT ENERGY COMMON STOCK 75952J108 103 4497 SH
OTHER 4497 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
RITE AID COMMON STOCK 767754104 11 1000 SH
DEFINED 1000 0 0
ROCKWELL INTERNATIONAL COMMON STOCK 773903109 61 1275 SH
DEFINED 1275 0 0
ROSS STORES COMMON STOCK 778296103 173 9625 SH
DEFINED 9625 0 0
ROSS STORES COMMON STOCK 778296103 4 250 SH
OTHER 250 0 0
SABRE HOLDINGS COMMON STOCK 785905100 1570 30631 SH
DEFINED 30631 0 0
SABRE HOLDINGS COMMON STOCK 785905100 143 2785 SH
OTHER 2785 0 0
SAFECO COMMON STOCK 786429100 80 3200 SH
OTHER 3200 0 0
SAFESKIN CORP COMMON STOCK 786454108 8 700 SH
DEFINED 700 0 0
SAFEWAY COMMON STOCK 786514208 50 1400 SH
DEFINED 1400 0 0
SAKS COMMON STOCK 79377W108 9 600 SH
DEFINED 600 0 0
SALOMON BROTHERS HIGH INCOME F COMMON STOCK 794907105 8 770 SH
DEFINED 770 0 0
SALOMON BROTHERS HIGH INCOME F COMMON STOCK 794907105 37 3500 SH
OTHER 3500 0 0
SANTA FE SNYDER COMMON STOCK 80218K105 5 633 SH
DEFINED 633 0 0
SARA LEE COMMON STOCK 803111103 591 26800 SH
DEFINED 26800 0 0
SARA LEE COMMON STOCK 803111103 88 4000 SH
OTHER 4000 0 0
SBC COMMUNICATIONS COMMON STOCK 78387G103 3701 75926 SH
DEFINED 75712 0 214
SBC COMMUNICATIONS COMMON STOCK 78387G103 1328 27235 SH
OTHER 20910 0 6325
SCANA COMMON STOCK 805898103 132 4900 SH
DEFINED 4900 0 0
SCHERING PLOUGH COMMON STOCK 806605101 1099 25933 SH
DEFINED 25933 0 0
SCHERING PLOUGH COMMON STOCK 806605101 812 19164 SH
OTHER 19164 0 0
SCHLOTZSKYS COMMON STOCK 806832101 3 400 SH
DEFINED 400 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 123 2200 SH
DEFINED 2200 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 34 600 SH
OTHER 600 0 0
SCOTTISH PWR ADR COMMON STOCK 81013T705 35 1236 SH
DEFINED 1236 0 0
SEALED AIR CORPORATION COMMON STOCK 81211K100 1480 28574 SH
DEFINED 28074 0 500
SEALED AIR CORPORATION COMMON STOCK 81211K100 54 1050 SH
OTHER 1050 0 0
SEARS ROEBUCK COMMON STOCK 812387108 168 5534 SH
DEFINED 5534 0 0
SEARS ROEBUCK COMMON STOCK 812387108 6 200 SH
OTHER 200 0 0
SEMPRA ENERGY COMMON STOCK 816851109 9 500 SH
DEFINED 500 0 0
SENIOR HSG PPTYS COMMON STOCK 81721M109 1 50 SH
DEFINED 50 0 0
SENIOR HSG PPTYS COMMON STOCK 81721M109 0 12 SH
OTHER 12 0 0
SERVICE CORPORATION INTERNATIO COMMON STOCK 817565104 40 5708 SH
DEFINED 5708 0 0
SHURGARD STORAGE CENTERS COMMON STOCK 82567D104 46 2000 SH
OTHER 2000 0 0
SIERRA PAC RES COMMON STOCK 826428104 9 500 SH
DEFINED 500 0 0
SIERRA PAC RES COMMON STOCK 826428104 13 720 SH
OTHER 720 0 0
SIGMA ALDRICH COMMON STOCK 826552101 2005 66700 SH
DEFINED 65500 0 1200
SIGMA ALDRICH COMMON STOCK 826552101 373 12415 SH
OTHER 12415 0 0
SILICON VY BANCSHARES COMMON STOCK 827064106 104 2100 SH
DEFINED 2100 0 0
SIMON PPTY GROUP NEW(SIMON PPT COMMON STOCK 828806109 3 125 SH
OTHER 125 0 0
SODEXHO MARRIOTT SERVICES COMMON STOCK 833793102 5 405 SH
DEFINED 405 0 0
SOLECTRON COMMON STOCK 834182107 29 300 SH
DEFINED 300 0 0
SOLECTRON COMMON STOCK 834182107 43 452 SH
OTHER 452 0 0
SOUTHDOWN COMMON STOCK 841297104 493 9557 SH
DEFINED 9532 0 25
SOUTHDOWN COMMON STOCK 841297104 65 1260 SH
OTHER 1260 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 167 7114 SH
DEFINED 7114 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 67 2840 SH
OTHER 2840 0 0
SOUTHWEST AIRLINES COMMON STOCK 844741108 178 11057 SH
DEFINED 11057 0 0
SOUTHWEST AIRLINES COMMON STOCK 844741108 16 1013 SH
OTHER 1013 0 0
SOUTHWEST BANCORP COMMON STOCK 844767103 3958 197920 SH
DEFINED 183600 0 14320
SPIEGEL INC COMMON STOCK 848457107 7 1000 SH
DEFINED 1000 0 0
SPRINT COMMON STOCK 852061100 7227 107368 SH
DEFINED 106768 0 600
SPRINT COMMON STOCK 852061100 1673 24858 SH
OTHER 24858 0 0
SPRINT CORP PCS GROUP COMMON STOCK 852061506 171 1672 SH
DEFINED 1672 0 0
SPRINT CORP PCS GROUP COMMON STOCK 852061506 397 3870 SH
OTHER 3870 0 0
SPX COMMON STOCK 784635104 103 1279 SH
DEFINED 1279 0 0
SPYGLASS INC COMMON STOCK 852192103 6 150 SH
DEFINED 150 0 0
STAPLES COMMON STOCK 855030102 37 1767 SH
DEFINED 1767 0 0
STARWOOD HOTELS & RESORTS WORL COMMON STOCK 85590A203 6 250 SH
DEFINED 250 0 0
STATE STREET COMMON STOCK 857477103 55 750 SH
DEFINED 750 0 0
STEIN MART INC COMMON STOCK 858375108 3 500 SH
DEFINED 500 0 0
STERLING COMMERCE COMMON STOCK 859205106 153 4500 SH
DEFINED 4500 0 0
STRYKER CORP COMMON STOCK 863667101 760 10915 SH
DEFINED 10915 0 0
STRYKER CORP COMMON STOCK 863667101 65 940 SH
OTHER 940 0 0
SUN MICROSYSTEMS COMMON STOCK 866810104 13011 168020 SH
DEFINED 165620 0 2400
SUN MICROSYSTEMS COMMON STOCK 866810104 3034 39175 SH
OTHER 39175 0 0
SUNBEAM COMMON STOCK 867071102 0 100 SH
DEFINED 100 0 0
SUNOCO COMMON STOCK 86764P109 47 2011 SH
DEFINED 2011 0 0
SUNOCO COMMON STOCK 86764P109 24 1002 SH
OTHER 1002 0 0
SUNTRUST BANKS COMMON STOCK 867914103 2659 38636 SH
DEFINED 38541 0 95
SUNTRUST BANKS COMMON STOCK 867914103 765 11110 SH
OTHER 11110 0 0
SYLVAN LEARNING SYSTEMS COMMON STOCK 871399101 214 16490 SH
DEFINED 15990 0 500
SYLVAN LEARNING SYSTEMS COMMON STOCK 871399101 46 3525 SH
OTHER 3525 0 0
SYMBOL TECHNOLOGIES INC COMMON STOCK 871508107 16 250 SH
DEFINED 250 0 0
SYNOPSYS COMMON STOCK 871607107 577 8645 SH
DEFINED 8245 0 400
SYNOPSYS COMMON STOCK 871607107 160 2400 SH
OTHER 2400 0 0
SYNTROLEUM CORP (FORMERLY SLH COMMON STOCK 871630109 3 400 SH
DEFINED 400 0 0
SYSCO COMMON STOCK 871829107 2111 53360 SH
DEFINED 53360 0 0
SYSCO COMMON STOCK 871829107 285 7200 SH
OTHER 7200 0 0
SYSTEMS & COMPUTER COMMON STOCK 871873105 7 400 SH
DEFINED 400 0 0
TANDY COMMON STOCK 875382103 1015 20638 SH
OTHER 20638 0 0
TANDY BRANDS ACCESSORIES COMMON STOCK 875378101 20 1470 SH
DEFINED 1470 0 0
TANDYCRAFTS COMMON STOCK 875386104 49 16000 SH
DEFINED 16000 0 0
TCW CONVERTIBLE SECURITIESS FU COMMON STOCK 872340104 34 3600 SH
DEFINED 3600 0 0
TECH DATA COMMON STOCK 878237106 2 68 SH
DEFINED 68 0 0
TECO ENERGY COMMON STOCK 872375100 111 6000 SH
DEFINED 6000 0 0
TELEFLEX COMMON STOCK 879369106 19 600 SH
OTHER 600 0 0
TELEPHONE & DATA SYSTEMS COMMON STOCK 879433100 2 12 SH
DEFINED 12 0 0
TELLABS COMMON STOCK 879664100 58 900 SH
DEFINED 900 0 0
TEMPLE-INLAND INC COMMON STOCK 879868107 66 1000 SH
DEFINED 1000 0 0
TENET HEALTHCARE COMMON STOCK 88033G100 7 290 SH
DEFINED 290 0 0
TENNECO AUTOMOTIVE COMMON STOCK 880349105 1 88 SH
DEFINED 88 0 0
TEXACO COMMON STOCK 881694103 525 9672 SH
DEFINED 9672 0 0
TEXACO COMMON STOCK 881694103 127 2334 SH
OTHER 2334 0 0
TEXAS INDUSTRIES COMMON STOCK 882491103 170 4000 SH
DEFINED 4000 0 0
TEXAS INSTRUMENTS COMMON STOCK 882508104 63 650 SH
DEFINED 650 0 0
TEXAS INSTRUMENTS COMMON STOCK 882508104 34 350 SH
OTHER 350 0 0
TEXAS UTILITIES COMMON STOCK 882848104 121 3389 SH
DEFINED 3389 0 0
TEXAS UTILITIES COMMON STOCK 882848104 83 2325 SH
OTHER 2225 0 100
TEXTRON COMMON STOCK 883203101 400 5210 SH
DEFINED 5210 0 0
TEXTRON COMMON STOCK 883203101 13 170 SH
OTHER 170 0 0
THERMO ELECTRON COMMON STOCK 883556102 1271 84759 SH
DEFINED 81929 0 2830
THERMO ELECTRON COMMON STOCK 883556102 106 7040 SH
OTHER 7040 0 0
TIBCO SOFTWARE COMMON STOCK 88632Q103 8 50 SH
DEFINED 50 0 0
TIME WARNER COMMON STOCK 887315109 279 3861 SH
DEFINED 3861 0 0
TIME WARNER COMMON STOCK 887315109 32 437 SH
OTHER 437 0 0
TIMKEN COMMON STOCK 887389104 6 300 SH
DEFINED 300 0 0
TOMMY HILFIGER COMMON STOCK G8915Z102 9 400 SH
DEFINED 400 0 0
TORCHMARK COMMON STOCK 891027104 3662 126018 SH
DEFINED 126018 0 0
TOYS-R-US COMMON STOCK 892335100 44 3100 SH
DEFINED 3100 0 0
TRAMMELL CROW COMMON STOCK 89288R106 65 5552 SH
DEFINED 4752 0 800
TRANSACTION SYS ARCHITECTS INC COMMON STOCK 893416107 36 1300 SH
DEFINED 1300 0 0
TRI-CONTINENTAL COMMON STOCK 895436103 14 507 SH
DEFINED 507 0 0
TRICON GLOBAL RESTAURANTS COMMON STOCK 895953107 104 2700 SH
DEFINED 2700 0 0
TRUE NORTH COMMUNICATIONS INC COMMON STOCK 897844106 40 900 SH
DEFINED 900 0 0
TRW COMMON STOCK 872649108 759 14608 SH
DEFINED 14608 0 0
TRW COMMON STOCK 872649108 5 100 SH
OTHER 100 0 0
TV GUIDE COMMON STOCK 87307Q109 1032 24000 SH
DEFINED 24000 0 0
TYCO INTERNATIONAL COMMON STOCK 902124106 9144 234449 SH
DEFINED 230944 0 3505
TYCO INTERNATIONAL COMMON STOCK 902124106 1139 29194 SH
OTHER 29194 0 0
U S WEST COMMON STOCK 91273H101 609 8465 SH
DEFINED 8465 0 0
U S WEST COMMON STOCK 91273H101 200 2772 SH
OTHER 2000 0 772
UBICS COMMON STOCK 90261L108 3 1000 SH
DEFINED 1000 0 0
UGI CORPORATION COMMON STOCK 902681105 8 400 SH
DEFINED 400 0 0
UNICOM COMMON STOCK 904911104 3 100 SH
DEFINED 100 0 0
UNIGRAPHICS SOLUTIONS COMMON STOCK 904928108 16 600 SH
OTHER 600 0 0
UNION CARBIDE COMMON STOCK 905581104 180 2700 SH
DEFINED 2700 0 0
UNION PACIFIC COMMON STOCK 907818108 434 9944 SH
DEFINED 9624 0 320
UNION PACIFIC COMMON STOCK 907818108 370 8470 SH
OTHER 8470 0 0
UNION PLANTERS COMMON STOCK 908068109 35 900 SH
DEFINED 900 0 0
UNIT CORPORATION COMMON STOCK 909218109 15 2000 SH
OTHER 2000 0 0
UNITED DOMINION REALTY TRUST COMMON STOCK 910197102 8 800 SH
DEFINED 800 0 0
UNITED DOMINION REALTY TRUST COMMON STOCK 910197102 6 640 SH
OTHER 640 0 0
UNITED PARCEL SERVICE COMMON STOCK 911312106 124 1800 SH
DEFINED 1800 0 0
UNITED STATES CELLULAR COMMON STOCK 911684108 10 100 SH
DEFINED 100 0 0
UNITED STATES EXPL INC COMMON STOCK 91182F303 0 547 SH
DEFINED 547 0 0
UNITED TECHNOLOGIES COMMON STOCK 913017109 150 2300 SH
DEFINED 2300 0 0
UNITED TECHNOLOGIES COMMON STOCK 913017109 1331 20481 SH
OTHER 20481 0 0
UNOCAL COMMON STOCK 915289102 67 2000 SH
OTHER 2000 0 0
UNUMPROVIDENT COMMON STOCK 91529Y106 96 3000 SH
DEFINED 3000 0 0
US ONCOLOGY COMMON STOCK 90338W103 546 110602 SH
DEFINED 110602 0 0
UST INC COMMON STOCK 902911106 30 1200 SH
OTHER 1200 0 0
USX-MARATHON GROUP COMMON STOCK 902905827 21 860 SH
DEFINED 860 0 0
USX-MARATHON GROUP COMMON STOCK 902905827 27 1100 SH
OTHER 1100 0 0
USX-U S STL GROUP COMMON STOCK 90337T101 2 69 SH
DEFINED 69 0 0
UTILICORP UNITED COMMON STOCK 918005109 9 450 SH
DEFINED 450 0 0
UTILICORP UNITED COMMON STOCK 918005109 6 300 SH
OTHER 300 0 0
VALASSIS COMMUNICATIONS COMMON STOCK 918866104 82 1950 SH
DEFINED 1950 0 0
VERITAS SOFTWARE CO COMMON STOCK 923436109 56 390 SH
DEFINED 390 0 0
VESTAUR SECURITIES COMMON STOCK 925464109 25 2116 SH
DEFINED 2116 0 0
VIACOM COMMON STOCK 925524100 91 1500 SH
DEFINED 1500 0 0
VIGNETTE CORP COMMON STOCK 926734104 65 400 SH
OTHER 400 0 0
VISIO COMMON STOCK 927914101 17 365 SH
DEFINED 365 0 0
VISTA ENERGY RESOURCES COMMON STOCK 928350107 2 1000 SH
OTHER 1000 0 0
VISX COMMON STOCK 92844S105 3 55 SH
DEFINED 55 0 0
VLASSIC FOODS INTERNATIONAL IN COMMON STOCK 928559103 0 10 SH
DEFINED 10 0 0
VODAFONE GROUP PLC COMMON STOCK 92857T107 189 3825 SH
DEFINED 3825 0 0
VODAFONE GROUP PLC COMMON STOCK 92857T107 56 1130 SH
OTHER 0 0 1130
WADDELL & REED CLASS B COMMON STOCK 930059209 777 30926 SH
DEFINED 30926 0 0
WADDELL & REED FINANCIAL COMMON STOCK 930059100 195 7185 SH
DEFINED 7185 0 0
WAL-MART COMMON STOCK 931142103 21533 311510 SH
DEFINED 185205 0 126305
WAL-MART COMMON STOCK 931142103 2831 40958 SH
OTHER 40958 0 0
WALGREENS COMMON STOCK 931422109 291 9950 SH
DEFINED 9950 0 0
WALGREENS COMMON STOCK 931422109 202 6900 SH
OTHER 6900 0 0
WARNER LAMBERT COMMON STOCK 934488107 344 4201 SH
DEFINED 4201 0 0
WARNER LAMBERT COMMON STOCK 934488107 492 6000 SH
OTHER 6000 0 0
WASHINGTON MUT INC COMMON STOCK 939322103 26 1000 SH
DEFINED 1000 0 0
WASHINGTON MUT INC COMMON STOCK 939322103 52 2000 SH
OTHER 2000 0 0
WASHINGTON REAL ESTATE INVESTM COMMON STOCK 939653101 27 1800 SH
DEFINED 1800 0 0
WASTE MANAGEMENT COMMON STOCK 94106L109 8 450 SH
DEFINED 450 0 0
WEATHERFORD INTERNATIONAL COMMON STOCK 947074100 2237 56000 SH
DEFINED 56000 0 0
WEATHERFORD INTERNATIONAL COMMON STOCK 947074100 42 1040 SH
OTHER 1040 0 0
WEBCO INDUSTRIES COMMON STOCK 947621108 7 2000 SH
DEFINED 2000 0 0
WEBSTER FINANCIAL COMMON STOCK 947890109 4 150 SH
DEFINED 150 0 0
WELLS FARGO COMMON STOCK 949746101 3339 82576 SH
DEFINED 81716 0 860
WELLS FARGO COMMON STOCK 949746101 332 8220 SH
OTHER 8220 0 0
WESTERN RESOURCES COMMON STOCK 959425109 42 2462 SH
DEFINED 2462 0 0
WET SEAL COMMON STOCK 961840105 12 1000 SH
DEFINED 1000 0 0
WEYERHAEUSER COMPANY COMMON STOCK 962166104 26 369 SH
DEFINED 369 0 0
WEYERHAEUSER COMPANY COMMON STOCK 962166104 36 500 SH
OTHER 500 0 0
WILLBROS GROUP COMMON STOCK 969199108 10 2100 SH
DEFINED 2100 0 0
WILLIAMS COMMUNICATIONS COMMON STOCK 969455104 62 2144 SH
DEFINED 1944 0 200
WILLIAMS COMPANIES COMMON STOCK 969457100 4479 146546 SH
DEFINED 145036 0 1510
WILLIAMS COMPANIES COMMON STOCK 969457100 485 15858 SH
OTHER 15858 0 0
WILLIAMS SONOMA COMMON STOCK 969904101 37 810 SH
DEFINED 810 0 0
WISCONSIN ENERGY COMMON STOCK 976657106 47 2450 SH
DEFINED 2450 0 0
WISCONSIN ENERGY COMMON STOCK 976657106 6 300 SH
OTHER 300 0 0
WPS RESOURCES COMMON STOCK 92931B106 10 396 SH
DEFINED 396 0 0
WR GRACE & CO NEW COMMON STOCK 38388F108 2 167 SH
DEFINED 167 0 0
XEROX COMMON STOCK 984121103 29 1300 SH
DEFINED 1300 0 0
XEROX COMMON STOCK 984121103 23 1000 SH
OTHER 1000 0 0
XETA COMMON STOCK 983909102 17 500 SH
DEFINED 500 0 0
XILINX COMMON STOCK 983919101 18 400 SH
DEFINED 400 0 0
XL CAPITAL LTD COMMON STOCK G98255105 21 400 SH
DEFINED 400 0 0
XOMA LTD COMMON STOCK G9825R107 2 800 SH
DEFINED 800 0 0
YAHOO COMMON STOCK 984332106 4 10 SH
DEFINED 10 0 0
ZWEIG TOTAL RETURN FUND COMMON STOCK 989837109 7 1022 SH
OTHER 1022 0 0
ZYMETX COMMON STOCK 989859103 8 4063 SH
DEFINED 4063 0 0
BJ SVCS CO WT EXP 00/00/200 4 COMMON STOCK 055482111 2 28 SH
DEFINED N.A. N.A. N.A.
IMC GLOBAL WT EXP 00/00/200 12 COMMON STOCK 449669118 0 276 SH
DEFINED N.A. N.A. N.A.
AEGON N V COMMON STOCK 007924103 1696 17760 SH
DEFINED 17760 0 0
AEGON N V COMMON STOCK 007924103 149 1560 SH
OTHER 1560 0 0
ALCATEL ALSTHOM COMMON STOCK 013904305 45 1000 SH
DEFINED 1000 0 0
ASA LTD COMMON STOCK 002050102 23 1200 SH
OTHER 1200 0 0
ASTRAZENECA PLC COMMON STOCK 046353108 13 303 SH
DEFINED 303 0 0
BARRICK GOLD CORP COMMON STOCK 067901108 2 133 SH
DEFINED 133 0 0
ELF AQUITAINE SPONSORED ADR COMMON STOCK 286269105 46 600 SH
DEFINED 600 0 0
GALLAHER GROUP PLC COMMON STOCK 363595109 138 9000 SH
DEFINED 9000 0 0
GALLAHER GROUP PLC COMMON STOCK 363595109 12 800 SH
OTHER 800 0 0
GLAXO WELLCOME PLC SPONSORED A COMMON STOCK 37733W105 24 425 SH
DEFINED 425 0 0
IMPERIAL TOBACCO GROUP PLC COMMON STOCK 453142101 1 41 SH
DEFINED 41 0 0
LM ERICSSON TELEPHONE COMMON STOCK 294821400 396 6025 SH
DEFINED 6025 0 0
NOKIA SPONSORED ADR COMMON STOCK 654902204 918 4805 SH
DEFINED 4670 0 135
NOKIA SPONSORED ADR COMMON STOCK 654902204 218 1142 SH
OTHER 1142 0 0
POTASH CORPORATION OF SASKATCH COMMON STOCK 73755L107 19 400 SH
DEFINED 400 0 0
REPSOL S A COMMON STOCK 76026T205 56 2400 SH
DEFINED 2400 0 0
REUTERS GROUP PLC SPONSORED AD COMMON STOCK 76132M102 28 346 SH
DEFINED 346 0 0
ROYAL DUTCH PETROLEUM COMMON STOCK 780257804 283 4675 SH
DEFINED 4675 0 0
ROYAL DUTCH PETROLEUM COMMON STOCK 780257804 45 750 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 13 200 SH
DEFINED 200 0 0
SMITHKLINE BEECHAM P L C COMMON STOCK 832378301 128 2000 SH
OTHER 2000 0 0
TEVA PHARMACEUTICAL INDUSTRIES COMMON STOCK 881624209 9 125 SH
OTHER 125 0 0
TOTAL FINA SA ADR COMMON STOCK 89151E109 80 1159 SH
DEFINED 1159 0 0
TOTAL FINA SA ADR COMMON STOCK 89151E109 14 200 SH
OTHER 200 0 0
UNILEVER COMMON STOCK 904784709 803 14744 SH
DEFINED 14744 0 0
UNILEVER COMMON STOCK 904784709 319 5864 SH
OTHER 5864 0 0
ATLANTIC RICHFIELD CONV PFD PREFERRED STOCK 048825400 5 13 SH
DEFINED N.A. N.A. N.A.
FELCOR LODGING TRUST PREFERRED STOCK 31430F200 6 400 SH
DEFINED N.A. N.A. N.A.
FORTUNE BRANDS $2.67 PREFERRED PREFERRED STOCK 349631200 6 40 SH
DEFINED N.A. N.A. N.A.
INNKEEPERS USA 8.625% PREFERRE PREFERRED STOCK 4576J0302 9 500 SH
DEFINED N.A. N.A. N.A.
ROYAL BANK SCOTLAND GROUP PLC PREFERRED STOCK 780097887 8 400 SH
DEFINED N.A. N.A. N.A.
SEALED AIR CORP NEW PFD $2 PREFERRED STOCK 81211K209 4 79 SH
DEFINED N.A. N.A. N.A.
BETHLEHEM STEEL 5.00% PREFERRE PREFERRED STOCK 087509303 9 200 SH
DEFINED N.A. N.A. N.A.
BETHLEHEM STEEL 5.00% PREFERRE PREFERRED STOCK 087509303 9 200 SH
OTHER N.A. N.A. N.A.
ROYAL BANK SCOTLAND GROUP ADR PREFERRED STOCK 780097309 10 400 SH
DEFINED N.A. N.A. N.A.
ACM GOVT SECS FD INC OTHER 000914101 11 1667 SH
DEFINED N.A. N.A. N.A.
BLACKROCK INSD MUN 2008 TERM T OTHER 09247K109 126 9196 SH
DEFINED N.A. N.A. N.A.
COLONIAL HIGH INCOME MUN TR OTHER 195743109 16 2500 SH
OTHER N.A. N.A. N.A.
DREYFUS STRATEGIC MUN BD FD IN OTHER 26202F107 41 5587 SH
DEFINED N.A. N.A. N.A.
DREYFUS STRATEGIC MUNS INC OTHER 261932107 42 5578 SH
DEFINED N.A. N.A. N.A.
MORGAN STANLEY DW INSD MUNI IN OTHER 61745P791 81 6415 SH
OTHER N.A. N.A. N.A.
MUNIVEST FD INC OTHER 626295109 64 8091 SH
DEFINED N.A. N.A. N.A.
MUNIYIELD FD INC OTHER 626299101 55 4700 SH
DEFINED N.A. N.A. N.A.
MUNIYIELD QUALITY FD INC OTHER 626302103 21 1880 SH
DEFINED N.A. N.A. N.A.
NUVEEN INSD MUN OPPORTUNITY FD OTHER 670984103 32 2600 SH
DEFINED N.A. N.A. N.A.
NUVEEN INSD QUALITY MUN FD INC OTHER 67062N103 13 1000 SH
DEFINED N.A. N.A. N.A.
NUVEEN MUN ADVANTAGE FD INC OTHER 67062H106 70 5800 SH
DEFINED N.A. N.A. N.A.
NUVEEN MUN MKT OPPORTUNITY FD OTHER 67062W103 13 1021 SH
DEFINED N.A. N.A. N.A.
NUVEEN MUNI VALUE FD OTHER 670928100 12 1500 SH
DEFINED N.A. N.A. N.A.
NUVEEN PERFORMANCE PLUS MUNICI OTHER 67062P108 65 5600 SH
DEFINED N.A. N.A. N.A.
NUVEEN PERFORMANCE PLUS MUNICI OTHER 67062P108 12 1000 SH
OTHER N.A. N.A. N.A.
NUVEEN PREMIUM INCOME MUN FD 4 OTHER 6706K4105 63 5225 SH
DEFINED N.A. N.A. N.A.
NUVEEN PREMIUM INCOME MUNI OTHER 67063W102 9 660 SH
DEFINED N.A. N.A. N.A.
NUVEEN SELECT QUALITY MUNI FUN OTHER 670973106 30 2500 SH
DEFINED N.A. N.A. N.A.
PUTNAM INVT GRADE MUN TR OTHER 746805100 46 4165 SH
DEFINED N.A. N.A. N.A.
PUTNAM MANAGED MUN INCOME TR OTHER 746823103 115 14183 SH
DEFINED N.A. N.A. N.A.
SMITH BARNEY INTER MUN FD INC OTHER 831802103 62 7436 SH
DEFINED N.A. N.A. N.A.
VAN KAMPEN AMERN CAP MUN INCOM OTHER 920909108 26 3432 SH
DEFINED N.A. N.A. N.A.
DURA PHARMACEUTICALS 3.500% 7 OTHER 26632SAA7 24 30000 PRN
DEFINED N.A. N.A. N.A.
KERR MCGEE CORP 7.50% 5/15/14 OTHER 492386AL1 9 10000 PRN
DEFINED N.A. N.A. N.A.
NORAM ENERGY CORP 6.000% 3 OTHER 655419AC3 22 25000 PRN
DEFINED N.A. N.A. N.A.
BLACKROCK INVT QUALITY TERM TR OTHER 09247J102 35 4400 SH
DEFINED N.A. N.A. N.A.
DEAN WITTER TCW/DW TERM TRUST OTHER 87234T101 5 529 SH
DEFINED N.A. N.A. N.A.
NUVEEN PREMIER MUN INCOME FD I OTHER 670988104 8 600 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.
2002 TARGET TERM TR INC OTHER 902106103 69 5077 SH
DEFINED N.A. N.A. N.A.
ALL AMERN TERM TR INC OTHER 016440109 1 64 SH
DEFINED N.A. N.A. N.A.
GABELLI UTILITY TRUST OTHER 36240A101 4 500 SH
DEFINED N.A. N.A. N.A.
MASS MUTUAL OTHER 576292106 51 2400 SH
OTHER N.A. N.A. N.A.
MORGAN STANLEY DW QUALITY MUNI OTHER 61745P585 2 205 SH
DEFINED N.A. N.A. N.A.
MORGAN STANLEY DW QUALITY MUNI OTHER 61745P585 36 3098 SH
OTHER N.A. N.A. N.A.
TRANSAMERICA INCOME SHS OTHER 893506105 3 120 SH
DEFINED N.A. N.A. N.A.
VAN KAMPEN SENIOR INCOME TRUST OTHER 920961109 24 3000 SH
DEFINED N.A. N.A. N.A.
ZWEIG FD INC OTHER 989834106 2 200 SH
DEFINED N.A. N.A. N.A.
</TABLE>
