UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F-HR
FORM 13F-HR 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: SIMMONS FIRST NATIONAL BANK
ADDRESS: TRUST & INVESTMENT MANAGEMENT GROUP
501 MAIN STREET
PINE BLUFF, AR 71601
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: JOE CLEMENT
TITLE: SR. VICE PRESIDENT & TRUST OFFICER
PHONE: (870)541-1107
SIGNATURE,PLACE,AND DATE OF SIGNING:
/s/ JOE CLEMENT PINE BLUFF, AR 1/21/00
- ----------------------- ----------------- ---------
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: 1
FORM 13F INFORMATION TABLE ENTRY TOTAL: 484
FORM 13F INFORMATION TABLE VALUE TOTAL: $154,453
<TABLE>
<CAPTION>
NO. FORM 13F FILE NUMBER NAME
- ----------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C>
1 28-04799 SIMMONS FIRST NATIONAL CORPORATION
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
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
- ----------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
A T & T CORP COMMON STOCK 001957109 363 7146 SH DEFINED 1 6696 0 450
ABBOTT LABS COMMON STOCK 002824100 519 14300 SH DEFINED 1 10100 0 4200
ABBOTT LABS COMMON STOCK 002824100 36 1000 SH OTHER 1000 0 0
ACNIELSEN CORP COMMON STOCK 004833109 2 100 SH DEFINED 1 0 0 100
ACTIVE SOFTWARE, INC COMMON STOCK 00504E100 28 300 SH DEFINED 1 0 0 300
ADAPTEC INC COMMON STOCK 00651F108 15 300 SH DEFINED 1 300 0 0
ADC TELECOMMUNICATIONS INC COMMON STOCK 000886101 731 10075 SH DEFINED 1 10075 0 0
ADVANCED DIGITAL INFO. CORP. COMMON STOCK 007525108 10 200 SH DEFINED 1 0 0 200
ADVANCED ENVIRONMENTAL RECYC C COMMON STOCK 007947104 6 2000 SH DEFINED 1 0 0 2000
AFFYMETRIX INC COMMON STOCK 00826T108 17 100 SH DEFINED 1 100 0 0
AGL RES INC COMMON STOCK 001204106 20 1200 SH DEFINED 1 1200 0 0
AIRBORNE FREIGHT CORP COMMON STOCK 009266107 53 2400 SH DEFINED 1 2400 0 0
AIRTRAN HOLDINGS INC COMMON STOCK 00949P108 1 300 SH DEFINED 1 300 0 0
ALBERTSONS INC COMMON STOCK 013104104 335 10375 SH DEFINED 1 10075 0 300
ALBERTSONS INC COMMON STOCK 013104104 2 50 SH OTHER 50 0 0
ALCOA INC COMMON STOCK 013817101 50 600 SH DEFINED 1 600 0 0
ALLEGHENY ENERGY INC COMMON STOCK 017361106 54 2000 SH DEFINED 1 2000 0 0
ALLEGHENY TECHNOLOGIES INC COMMON STOCK 01741R102 4 173 SH DEFINED 1 173 0 0
ALLSTATE CORP COMMON STOCK 020002101 305 12673 SH DEFINED 1 12673 0 0
ALLTEL CORP COMMON STOCK 020039103 2153 26038 SH DEFINED 1 24758 0 1280
ALLTEL CORP COMMON STOCK 020039103 33 400 SH OTHER 400 0 0
AMERICA ONLINE INC COMMON STOCK 02364J104 15 200 SH DEFINED 1 200 0 0
AMERICAN CLAIMS EVALUATION INC COMMON STOCK 025144106 2 1000 SH DEFINED 1 0 0 1000
AMERICAN EXPRESS CO COMMON STOCK 025816109 569 3425 SH DEFINED 1 3425 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 50 300 SH OTHER 300 0 0
AMERICAN FREIGHTWAYS CORP COMMON STOCK 02629V108 32 2000 SH DEFINED 1 2000 0 0
AMERICAN HOME PRODS CORP COMMON STOCK 026609107 130 3300 SH DEFINED 1 3300 0 0
AMERICAN HOME PRODS CORP COMMON STOCK 026609107 98 2500 SH OTHER 2500 0 0
AMERICAN INTL GROUP INC COMMON STOCK 026874107 32 296 SH DEFINED 1 296 0 0
AMERICAN PWR CONVERSION CORP COMMON STOCK 029066107 843 31965 SH DEFINED 1 31965 0 0
AMERICAN WTR WKS INC COMMON STOCK 030411102 9 400 SH DEFINED 1 400 0 0
AMGEN INC COMMON STOCK 031162100 2156 35900 SH DEFINED 1 35900 0 0
AMSOUTH BANCORPORATION COMMON STOCK 032165102 21 1094 SH DEFINED 1 1094 0 0
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 220 3100 SH DEFINED 1 2700 0 400
AON CORP COMMON STOCK 037389103 42 1050 SH DEFINED 1 1050 0 0
APACHE CORP COMMON STOCK 037411105 12 325 SH DEFINED 1 325 0 0
APTARGROUP INC COMMON STOCK 038336103 20 800 SH DEFINED 1 0 0 800
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 7 544 SH DEFINED 1 544 0 0
ARCHSTONE CMNTYS TR SH BEN INT COMMON STOCK 039581103 66 3200 SH DEFINED 1 0 0 3200
ARIBA, INC COMMON STOCK 04033V104 11 60 SH DEFINED 1 0 0 60
ARKANSAS BEST CORP DEL COMMON STOCK 040790107 4 300 SH DEFINED 1 300 0 0
ASSOCIATES FIRST CAP CORP CL A COMMON STOCK 046008108 67 2452 SH DEFINED 1 1652 0 800
ATLANTIC RICHFIELD COMPANY COMMON STOCK 048825103 412 4760 SH DEFINED 1 4060 0 700
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 307 5700 SH DEFINED 1 2800 0 2900
AUTOZONE INC COMMON STOCK 053332102 1325 41000 SH DEFINED 1 41000 0 0
AVNET INC COMMON STOCK 053807103 30 500 SH DEFINED 1 500 0 0
AVON PRODS INC COMMON STOCK 054303102 33 1000 SH DEFINED 1 1000 0 0
BAKER HUGHES INC COMMON STOCK 057224107 554 26300 SH DEFINED 1 500 0 25800
BANK OF AMERICA CORP COMMON STOCK 060505104 1642 32715 SH DEFINED 1 30515 0 2200
BANK OF AMERICA CORP COMMON STOCK 060505104 23 450 SH OTHER 450 0 0
BANK ONE CORP COMMON STOCK 06423A103 1660 51867 SH DEFINED 1 48767 0 3100
BARRETT RES CORP COMMON STOCK 068480201 124 4200 SH DEFINED 1 0 0 4200
BEAR STEARNS COS INC COMMON STOCK 073902108 86 2000 SH DEFINED 1 2000 0 0
BELL ATLANTIC CORP COMMON STOCK 077853109 265 4312 SH DEFINED 1 1206 0 3106
BELLSOUTH CORP COMMON STOCK 079860102 93 1980 SH DEFINED 1 1980 0 0
BELO A H CORP SER A COMMON STOCK 080555105 27 1400 SH DEFINED 1 0 0 1400
BERKSHIRE HATHAWAY INC CL B COMMON STOCK 084670207 77 42 SH DEFINED 1 32 0 10
BIOGEN INC COMMON STOCK 090597105 1500 17755 SH DEFINED 1 17755 0 0
BIOGEN INC COMMON STOCK 090597105 6 75 SH OTHER 75 0 0
BIRMINGHAM STL CORP COMMON STOCK 091250100 106 20000 SH DEFINED 1 0 0 20000
BJ SVCS CO COMMON STOCK 055482103 962 23000 SH DEFINED 1 0 0 23000
BLACK & DECKER CORP COMMON STOCK 091797100 108 2062 SH DEFINED 1 2062 0 0
BLOCK H & R INC COMMON STOCK 093671105 149 3400 SH DEFINED 1 0 0 3400
BMC SOFTWARE INC COMMON STOCK 055921100 1462 18295 SH DEFINED 1 18295 0 0
BOEING CO COMMON STOCK 097023105 767 18501 SH DEFINED 1 18501 0 0
BRE PROPERTIES INC COMMON STOCK 05564E106 5 200 SH DEFINED 1 200 0 0
BRINKER INTL INC COMMON STOCK 109641100 175 7240 SH DEFINED 1 7240 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 670 10436 SH DEFINED 1 8636 0 1800
BRUNSWICK CORP COMMON STOCK 117043109 27 1200 SH DEFINED 1 1200 0 0
BRUSH WELLMAN INC COMMON STOCK 117421107 7 400 SH DEFINED 1 400 0 0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK 12189T104 611 25204 SH DEFINED 1 25204 0 0
BURLINGTON RES INC COMMON STOCK 122014103 560 16945 SH DEFINED 1 4945 0 12000
CABLETRON SYS INC COMMON STOCK 126920107 66 2525 SH DEFINED 1 2525 0 0
CALLAWAY GOLF CO COMMON STOCK 131193104 56 3160 SH DEFINED 1 3160 0 0
CAPITAL ONE FINANCIAL COMMON STOCK 14040H105 853 17700 SH DEFINED 1 17700 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 72 1500 SH DEFINED 1 0 0 1500
CARNIVAL CORP CL A COMMON STOCK 143658102 972 20325 SH DEFINED 1 20325 0 0
CATALYTICA INC COMMON STOCK 148885106 5 333 SH DEFINED 1 333 0 0
CATERPILLAR INC COMMON STOCK 149123101 90 1908 SH DEFINED 1 1908 0 0
CBRL GROUP INC COMMON STOCK 12489V106 190 19561 SH DEFINED 1 19561 0 0
CBS CORP COMMON STOCK 12490K107 151 2360 SH DEFINED 1 760 0 1600
CBS CORP COMMON STOCK 12490K107 205 3200 SH OTHER 3200 0 0
CENDANT CORP COMMON STOCK 151313103 606 22820 SH DEFINED 1 22820 0 0
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 8 410 SH DEFINED 1 410 0 0
CHAMPION ENTERPRISES INC COMMON STOCK 158496109 4 500 SH DEFINED 1 500 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105 8 200 SH DEFINED 1 200 0 0
CHARMING SHOPPES INC COMMON STOCK 161133103 4 600 SH DEFINED 1 600 0 0
CHASE MANHATTAN CORP COMMON STOCK 16161A108 186 2400 SH DEFINED 1 2400 0 0
CHEVRON CORP COMMON STOCK 166751107 118 1360 SH DEFINED 1 1360 0 0
CHIQUITA BRANDS INTL INC COMMON STOCK 170032106 95 20000 SH DEFINED 1 0 0 20000
CHUBB CORP COMMON STOCK 171232101 6 100 SH DEFINED 1 100 0 0
CIRRUS LOGIC INC COMMON STOCK 172755100 3 200 SH DEFINED 1 200 0 0
CISCO SYS INC COMMON STOCK 17275R102 3359 31354 SH DEFINED 1 30804 0 550
CISCO SYS INC COMMON STOCK 17275R102 13 125 SH OTHER 125 0 0
CITIGROUP INC COMMON STOCK 172967101 1683 30230 SH DEFINED 1 30230 0 0
CLARCOR INC COMMON STOCK 179895107 11 600 SH DEFINED 1 0 0 600
CLAYTON HOMES INC COMMON STOCK 184190106 1728 188082 SH DEFINED 1 188082 0 0
CLAYTON HOMES INC COMMON STOCK 184190106 7 800 SH OTHER 800 0 0
CLECO CORP COMMON STOCK 12561W105 10 300 SH DEFINED 1 300 0 0
CMGI INC COMMON STOCK 125750109 50 180 SH DEFINED 1 0 0 180
CNF TRANSPORTATION INC COMMON STOCK 12612W104 24 695 SH DEFINED 1 695 0 0
COACHMEN INDS INC COMMON STOCK 189873102 6 400 SH DEFINED 1 400 0 0
COASTAL CORP COMMON STOCK 190441105 206 5800 SH DEFINED 1 2000 0 3800
COCA COLA CO COMMON STOCK 191216100 134 2300 SH DEFINED 1 700 0 1600
COLGATE PALMOLIVE CO COMMON STOCK 194162103 104 1600 SH DEFINED 1 600 0 1000
COLONIAL PPTYS TR COMMON STOCK 195872106 197 8500 SH DEFINED 1 0 0 8500
COLUMBIA/HCA HEALTHCARE CORP COMMON STOCK 197677107 30 1025 SH DEFINED 1 1025 0 0
COMPAQ COMPUTER CORP COMMON STOCK 204493100 662 24479 SH DEFINED 1 24479 0 0
COMPAQ COMPUTER CORP COMMON STOCK 204493100 14 500 SH OTHER 500 0 0
COMPUTER ASSOC INTL INC COMMON STOCK 204912109 813 11625 SH DEFINED 1 9075 0 2550
COMPUTER SCIENCES CORP COMMON STOCK 205363104 544 5750 SH DEFINED 1 3050 0 2700
COMPUWARE CORP COMMON STOCK 205638109 82 2200 SH DEFINED 1 0 0 2200
CONAGRA INC COMMON STOCK 205887102 14 600 SH DEFINED 1 600 0 0
CONSECO INC COMMON STOCK 208464107 88 4921 SH DEFINED 1 4921 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 45 1317 SH DEFINED 1 817 0 500
CONSOLIDATED NAT GAS CO COMMON STOCK 209615103 13 200 SH DEFINED 1 200 0 0
COOPER INDS INC COMMON STOCK 216669101 127 3150 SH DEFINED 1 3150 0 0
CREATIVE TECHNOLOGY LTD COMMON STOCK Y1775U107 9 500 SH DEFINED 1 500 0 0
CRESCENT REAL ESTATE EQUITIES COMMON STOCK 225756105 18 1000 SH DEFINED 1 0 0 1000
CSX CORP COMMON STOCK 126408103 6 204 SH DEFINED 1 0 0 204
CULLEN FROST BANKERS INC COMMON STOCK 229899109 46 1800 SH DEFINED 1 0 0 1800
CVS CORP COMMON STOCK 126650100 58 1450 SH DEFINED 1 1450 0 0
CYMER INC COMMON STOCK 232572107 19 416 SH DEFINED 1 416 0 0
DANAHER CORP COMMON STOCK 235851102 105 2185 SH DEFINED 1 2185 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 9 520 SH DEFINED 1 520 0 0
DATA RETURN CORP. COMMON STOCK 23785M104 5 100 SH DEFINED 1 0 0 100
DAYTON HUDSON CORP COMMON STOCK 239753106 455 6200 SH DEFINED 1 2400 0 3800
DEERE & CO COMMON STOCK 244199105 44 1020 SH DEFINED 1 1020 0 0
DELL COMPUTER CORP COMMON STOCK 247025109 3236 63457 SH DEFINED 1 63457 0 0
DELL COMPUTER CORP COMMON STOCK 247025109 23 450 SH OTHER 450 0 0
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 3 189 SH DEFINED 1 189 0 0
DELTA AIR LINES INC COMMON STOCK 247361108 100 2000 SH DEFINED 1 0 0 2000
DELTA AIR LINES INC COMMON STOCK 247361108 20 400 SH OTHER 400 0 0
DETROIT DIESEL CORP COMMON STOCK 250837101 226 11800 SH DEFINED 1 0 0 11800
DIAMOND OFFSHORE DRILLING INC COMMON STOCK 25271C102 611 20000 SH DEFINED 1 0 0 20000
DILLARDS INC CL A COMMON STOCK 254067101 4 200 SH DEFINED 1 200 0 0
DISNEY COMMON STOCK COMMON STOCK 254687106 45 1540 SH DEFINED 1 340 0 1200
DISNEY COMMON STOCK COMMON STOCK 254687106 35 1200 SH OTHER 1200 0 0
DOLE FOOD INC COMMON STOCK 256605106 200 12300 SH DEFINED 1 0 0 12300
DOLLAR GEN CORP COMMON STOCK 256669102 71 3125 SH DEFINED 1 0 0 3125
DOMINION RES INC VA COMMON STOCK 257470104 4 100 SH DEFINED 1 100 0 0
DOW CHEM CO COMMON STOCK 260543103 156 1170 SH DEFINED 1 1170 0 0
DOW CHEM CO COMMON STOCK 260543103 27 200 SH OTHER 200 0 0
DOW JONES & CO INC COMMON STOCK 260561105 10 150 SH DEFINED 1 150 0 0
DQE INC COMMON STOCK 23329J104 38 1089 SH OTHER 1089 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 237 3601 SH DEFINED 1 3601 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 46 700 SH OTHER 700 0 0
DUFF & PHELPS SEL UTIL INCOME COMMON STOCK 264324104 553 66480 SH DEFINED 1 66480 0 0
DUFF & PHELPS SEL UTIL INCOME COMMON STOCK 264324104 14 1700 SH OTHER 1700 0 0
DUKE ENERGY CORP COMMON STOCK 264399106 143 2850 SH DEFINED 1 750 0 2100
DUN & BRADSTREET CORP COMMON STOCK 26483B106 18 600 SH DEFINED 1 300 0 300
DURA PHARMACEUTICALS INC COMMON STOCK 26632S109 3 200 SH DEFINED 1 200 0 0
DYNEX CAPITAL INC COMMON STOCK 26817Q506 3 480 SH DEFINED 1 480 0 0
E M C CORP MASS COMMON STOCK 268648102 55 500 SH DEFINED 1 0 0 500
EASTMAN CHEM CO COMMON STOCK 277432100 2 41 SH DEFINED 1 41 0 0
EASTMAN KODAK CO COMMON STOCK 277461109 19 292 SH DEFINED 1 292 0 0
EATON VANCE CORP COMMON STOCK 278265103 15 400 SH DEFINED 1 400 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 21 800 SH DEFINED 1 800 0 0
EDWARDS A G INC COMMON STOCK 281760108 35 1099 SH DEFINED 1 1099 0 0
EL PASO ENERGY CORP COMMON STOCK 283905107 90 2310 SH DEFINED 1 2310 0 0
ELECTRONIC DATA SYS CORP COMMON STOCK 285661104 32 482 SH DEFINED 1 482 0 0
EMERSON ELEC CO COMMON STOCK 291011104 126 2200 SH DEFINED 1 200 0 2000
ENERGY EAST CORP. COMMON STOCK 29266M109 48 2300 SH DEFINED 1 2300 0 0
ENRON CORP COMMON STOCK 293561106 78 1750 SH DEFINED 1 1750 0 0
ENTERGY CORPORATION COMMON STOCK 29364G103 255 9897 SH DEFINED 1 9897 0 0
EQUITY INCOME FD UNIT 1ST EXC COMMON STOCK 294700703 41 200 SH DEFINED 1 200 0 0
EQUITY OIL CO COMMON STOCK 294749106 0 297 SH DEFINED 1 0 0 297
EQUITY RESIDENTIAL PPTYS TR SH COMMON STOCK 29476L107 260 6100 SH DEFINED 1 0 0 6100
EUROWEB INTL CORP COMMON STOCK 298801101 1 129 SH DEFINED 1 0 0 129
EXABYTE CORP COMMON STOCK 300615101 2 200 SH DEFINED 1 200 0 0
EXODUS COMMUNICATIONS INC COMMON STOCK 302088109 18 200 SH DEFINED 1 0 0 200
EXXON MOBIL CORP COMMON STOCK 30231G102 758 9415 SH DEFINED 1 7098 0 2317
EXXON MOBIL CORP COMMON STOCK 30231G102 52 645 SH OTHER 645 0 0
FAIRFIELD CMNTYS INC COMMON STOCK 304231301 4 400 SH DEFINED 1 400 0 0
FASTENAL CO COMMON STOCK 311900104 2003 44565 SH DEFINED 1 44565 0 0
FASTENAL CO COMMON STOCK 311900104 7 150 SH OTHER 150 0 0
FEDERAL HOME LN MTG CORP COMMON STOCK 313400301 1193 25345 SH DEFINED 1 25345 0 0
FEDERAL HOME LN MTG CORP COMMON STOCK 313400301 2 50 SH OTHER 50 0 0
FEDERAL NATL MTG AS COMMON STOCK 313586109 37 600 SH DEFINED 1 600 0 0
FEDERAL SIGNAL CORP COMMON STOCK 313855108 209 12986 SH DEFINED 1 12986 0 0
FEDERATED DEPT STORES INC COMMON STOCK 31410H101 51 1000 SH DEFINED 1 1000 0 0
FINOVA GROUP INC COMMON STOCK 317928109 431 12150 SH DEFINED 1 12150 0 0
FINOVA GROUP INC COMMON STOCK 317928109 2 50 SH OTHER 50 0 0
FIRST DATA CORP COMMON STOCK 319963104 1073 21768 SH DEFINED 1 21768 0 0
FIRST INDL RLTY TR INC COMMON STOCK 32054K103 74 2700 SH DEFINED 1 0 0 2700
FIRST UNION CORP COMMON STOCK 337358105 159 4835 SH DEFINED 1 4835 0 0
FIRST UTD BANCSHARES INC ARK COMMON STOCK 33741E104 24 1800 SH DEFINED 1 0 0 1800
FIRSTAR CORP COMMON STOCK 33763V109 1491 70559 SH DEFINED 1 70559 0 0
FLEETBOSTON FINL CORP COMMON STOCK 339030108 35 1000 SH DEFINED 1 1000 0 0
FLORIDA PROGRESS CORP COMMON STOCK 341109106 520 12300 SH DEFINED 1 0 0 12300
FORD MTR COMPANY COMMON STOCK 345370100 893 16747 SH DEFINED 1 2747 0 14000
FORTUNE BRANDS INC COMMON STOCK 349631101 19 582 SH DEFINED 1 582 0 0
FPL GROUP INC COMMON STOCK 302571104 30 700 SH DEFINED 1 700 0 0
FRANKLIN RES INC COMMON STOCK 354613101 301 9399 SH DEFINED 1 9399 0 0
FREDS INC CL A COMMON STOCK 356108100 12 775 SH DEFINED 1 775 0 0
GANNETT COMPANY INC COMMON STOCK 364730101 24 300 SH DEFINED 1 300 0 0
GANNETT COMPANY INC COMMON STOCK 364730101 25 310 SH OTHER 310 0 0
GAP INC COMMON STOCK 364760108 2867 62320 SH DEFINED 1 62320 0 0
GAP INC COMMON STOCK 364760108 16 350 SH OTHER 350 0 0
GARDNER DENVER MACHY INC COMMON STOCK 365558105 5 300 SH DEFINED 1 300 0 0
GARTNER GROUP INC NEW CL B COMMON STOCK 366651206 2 156 SH DEFINED 1 78 0 78
GEMSTAR INTERNATIONAL GROUP LT COMMON STOCK G3788V106 14 200 SH DEFINED 1 0 0 200
GENERAL ELEC CO COMMON STOCK 369604103 1176 7600 SH DEFINED 1 4900 0 2700
GENERAL ELEC CO COMMON STOCK 369604103 97 624 SH OTHER 624 0 0
GENERAL MILLS, INC COMMON STOCK 370334104 149 4160 SH DEFINED 1 4160 0 0
GENERAL MTRS CORP COMMON STOCK 370442105 880 12110 SH DEFINED 1 12110 0 0
GENERAL MTRS CORP COMMON STOCK 370442105 2 30 SH OTHER 30 0 0
GENERAL MTRS CORP CL H COMMON STOCK 370442832 6 58 SH DEFINED 1 58 0 0
GENUINE PARTS CO COMMON STOCK 372460105 11 450 SH DEFINED 1 0 0 450
GENZYME TRANSGENICS CORP COMMON STOCK 37246E105 5 400 SH DEFINED 1 0 0 400
GERON CORP COMMON STOCK 374163103 25 2000 SH DEFINED 1 2000 0 0
GILLETTE CO COMMON STOCK 375766102 76 1849 SH DEFINED 1 393 0 1456
GOODRICH B F CO COMMON STOCK 382388106 4 140 SH DEFINED 1 140 0 0
GOODYEAR TIRE & RUBR CO COMMON STOCK 382550101 3 100 SH DEFINED 1 100 0 0
GPU, INC. COMMON STOCK 36225X100 15 500 SH DEFINED 1 500 0 0
GPU, INC. COMMON STOCK 36225X100 3 100 SH OTHER 100 0 0
GREAT LAKES CHEM CORP COMMON STOCK 390568103 4 100 SH DEFINED 1 100 0 0
GTE CORP COMMON STOCK 362320103 385 5454 SH DEFINED 1 1654 0 3800
HALLIBURTON CO COMMON STOCK 406216101 909 22589 SH DEFINED 1 22589 0 0
HARKEN ENERGY CORP COMMON STOCK 412552101 37 45200 SH DEFINED 1 45200 0 0
HARLAND JOHN H CO COMMON STOCK 412693103 549 30000 SH DEFINED 1 0 0 30000
HARTFORD FINL SVCS GROUP INC COMMON STOCK 416515104 19 400 SH DEFINED 1 400 0 0
HARTMARX CORP COMMON STOCK 417119104 47 11500 SH DEFINED 1 0 0 11500
HEALTH MGMT ASSOC INC CL A COMMON STOCK 421933102 34 2530 SH DEFINED 1 2530 0 0
HEALTHSOUTH REHABILITATION COR COMMON STOCK 421924101 105 19520 SH DEFINED 1 19520 0 0
HEWLETT PACKARD CO COMMON STOCK 428236103 650 5710 SH DEFINED 1 5310 0 400
HILLENBRAND INDS INC COMMON STOCK 431573104 317 10000 SH DEFINED 1 0 0 10000
HOME DEPOT INC COMMON STOCK 437076102 2810 40875 SH DEFINED 1 36825 0 4050
HOMESTAKE MNG CO COMMON STOCK 437614100 421 53900 SH DEFINED 1 2000 0 51900
HONEYWELL INTL INC COMMON STOCK 438516106 602 10430 SH DEFINED 1 6730 0 3700
HUNT J B TRANS SVCS INC COMMON STOCK 445658107 7 535 SH DEFINED 1 535 0 0
IDEXX LABS INC COMMON STOCK 45168D104 487 30220 SH DEFINED 1 30220 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 7 100 SH DEFINED 1 100 0 0
IMC GLOBAL INC COMMON STOCK 449669100 328 20000 SH DEFINED 1 0 0 20000
IMMUNE RESPONSE CORP COMMON STOCK 45252T106 1 200 SH DEFINED 1 200 0 0
IMS HEALTH INC COMMON STOCK 449934108 60 2200 SH DEFINED 1 600 0 1600
INPUT/OUTPUT INC COMMON STOCK 457652105 69 13645 SH DEFINED 1 13645 0 0
INTEL CORP COMMON STOCK 458140100 3763 45719 SH DEFINED 1 43119 0 2600
INTEL CORP COMMON STOCK 458140100 21 250 SH OTHER 250 0 0
INTERMAGNETICS GEN CORP COMMON STOCK 458771102 1 134 SH DEFINED 1 134 0 0
INTERNATIONAL BUSINESS MACHS C COMMON STOCK 459200101 247 2290 SH DEFINED 1 1890 0 400
INTERNATIONAL BUSINESS MACHS C COMMON STOCK 459200101 86 800 SH OTHER 800 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 26 700 SH DEFINED 1 700 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 73 1300 SH DEFINED 1 1300 0 0
INTERNATIONAL REMOTE IMAGING S COMMON STOCK 460259500 1 800 SH DEFINED 1 0 0 800
INTERPUBLIC GROUP COS INC COMMON STOCK 460690100 23 400 SH DEFINED 1 400 0 0
INVACARE CORP COMMON STOCK 461203101 930 46370 SH DEFINED 1 46370 0 0
JACOBS ENGR GROUP INC COMMON STOCK 469814107 1759 54130 SH DEFINED 1 54130 0 0
JACOBS ENGR GROUP INC COMMON STOCK 469814107 8 260 SH OTHER 260 0 0
JDS UNIPHASE CORP COMMON STOCK 46612J101 97 600 SH DEFINED 1 0 0 600
JEFFERSON PILOT CORP COMMON STOCK 475070108 193 2826 SH DEFINED 1 2826 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 152 1625 SH DEFINED 1 150 0 1475
JOHNSON & JOHNSON COMMON STOCK 478160104 75 800 SH OTHER 800 0 0
JOHNSON CTLS INC COMMON STOCK 478366107 1342 23595 SH DEFINED 1 23595 0 0
JOHNSON CTLS INC COMMON STOCK 478366107 8 140 SH OTHER 140 0 0
JONES PHARMA INC COMMON STOCK 480236108 13 300 SH DEFINED 1 300 0 0
KANSAS CITY PWR & LT CO COMMON STOCK 485134100 239 10846 SH DEFINED 1 2446 0 8400
KEEBLER FOODS CO COMMON STOCK 487256109 6 200 SH DEFINED 1 200 0 0
KERR MCGEE CORPORATION COMMON STOCK 492386107 62 1000 SH DEFINED 1 0 0 1000
KEYSPAN CORP COMMON STOCK 49337W100 5 200 SH DEFINED 1 200 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 641 9798 SH DEFINED 1 5598 0 4200
KNIGHT RIDDER INC COMMON STOCK 499040103 18 300 SH DEFINED 1 300 0 0
LEHMAN BROTHERS HLDGS INC COMMON STOCK 524908100 42 500 SH DEFINED 1 500 0 0
LEUCADIA NATL CORP COMMON STOCK 527288104 6 240 SH OTHER 240 0 0
LEXMARK INTL GROUP INC CL A COMMON STOCK 529771107 281 3100 SH DEFINED 1 3100 0 0
LIFEPOINT HOSPS INC COMMON STOCK 53219L109 1 53 SH DEFINED 1 53 0 0
LILLY ELI & CO COMMON STOCK 532457108 17 250 SH DEFINED 1 250 0 0
LINEAR TECHNOLOGY CORP COMMON STOCK 535678106 11 150 SH DEFINED 1 150 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 385 17600 SH DEFINED 1 200 0 17400
LOEWS CORP COMMON STOCK 540424108 303 5000 SH DEFINED 1 0 0 5000
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</TABLE>
