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: 3/31/00
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: SIMMONS FIRST TRUST COMPANY, N.A.
ADDRESS: 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, III
TITLE: PRESIDENT
PHONE: (870)541-1107
SIGNATURE, PLACE, AND DATE OF SIGNING:
/s/ JOE CLEMENT, III PINE BLUFF, AR 4/27/00
- --------------------- ---------------- -------------
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-HR SUMMARY PAGE
REPORT SUMMARY:
NUMBER OF OTHER INCLUDED MANAGERS: 1
FORM 13F INFORMATION TABLE ENTRY TOTAL: 499
FORM 13F INFORMATION TABLE VALUE TOTAL: $163,353
<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 409 7268 SH DEFINED 1 6818 0 450
ABBOTT LABS COMMON STOCK 002824100 503 14300 SH DEFINED 1 10100 0 4200
ABBOTT LABS COMMON STOCK 002824100 35 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 19 300 SH DEFINED 1 0 0 300
ADAPTEC INC COMMON STOCK 00651F108 12 300 SH DEFINED 1 300 0 0
ADC TELECOMMUNICATIONS INC COMMON STOCK 000886101 993 18430 SH DEFINED 1 18430 0 0
ADVANCED DIGITAL INFO. CORP. COMMON STOCK 007525108 14 400 SH DEFINED 1 0 0 400
ADVANCED ENVIRONMENTAL RECYC C COMMON STOCK 007947104 5 2000 SH DEFINED 1 0 0 2000
AGL RES INC COMMON STOCK 001204106 22 1200 SH DEFINED 1 1200 0 0
AIRBORNE FREIGHT CORP COMMON STOCK 009266107 34 1435 SH DEFINED 1 1435 0 0
AIRTRAN HOLDINGS INC COMMON STOCK 00949P108 1 300 SH DEFINED 1 300 0 0
ALBERTSONS INC COMMON STOCK 013104104 106 3420 SH DEFINED 1 3120 0 300
ALCOA INC COMMON STOCK 013817101 42 600 SH DEFINED 1 600 0 0
ALLEGHENY ENERGY INC COMMON STOCK 017361106 55 2000 SH DEFINED 1 2000 0 0
ALLEGHENY TECHNOLOGIES INC COMMON STOCK 01741R102 3 173 SH DEFINED 1 173 0 0
ALLSTATE CORP COMMON STOCK 020002101 189 7928 SH DEFINED 1 7928 0 0
ALLTEL CORP COMMON STOCK 020039103 1182 18683 SH DEFINED 1 17403 0 1280
ALLTEL CORP COMMON STOCK 020039103 25 400 SH OTHER 400 0 0
AMERICA ONLINE INC COMMON STOCK 02364J104 20 302 SH DEFINED 1 302 0 0
AMERICAN CLAIMS EVALUATION INC COMMON STOCK 025144106 3 1000 SH DEFINED 1 0 0 1000
AMERICAN EXPRESS CO COMMON STOCK 025816109 376 2525 SH DEFINED 1 2525 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 45 300 SH OTHER 300 0 0
AMERICAN HOME PRODS CORP COMMON STOCK 026609107 177 3300 SH DEFINED 1 3300 0 0
AMERICAN HOME PRODS CORP COMMON STOCK 026609107 134 2500 SH OTHER 2500 0 0
AMERICAN INTL GROUP INC COMMON STOCK 026874107 42 388 SH DEFINED 1 388 0 0
AMERICAN PWR CONVERSION CORP COMMON STOCK 029066107 1954 45570 SH DEFINED 1 45570 0 0
AMERICAN PWR CONVERSION CORP COMMON STOCK 029066107 3 80 SH OTHER 80 0 0
AMERICAN WTR WKS INC COMMON STOCK 030411102 10 400 SH DEFINED 1 400 0 0
AMGEN INC COMMON STOCK 031162100 1474 24015 SH DEFINED 1 24015 0 0
AMSOUTH BANCORPORATION COMMON STOCK 032165102 16 1094 SH DEFINED 1 1094 0 0
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 193 3100 SH DEFINED 1 2700 0 400
ANTEC CORP COMMON STOCK 03664P105 27 600 SH DEFINED 1 0 0 600
AON CORP COMMON STOCK 037389103 34 1050 SH DEFINED 1 1050 0 0
APACHE CORP COMMON STOCK 037411105 16 325 SH DEFINED 1 325 0 0
APTARGROUP INC COMMON STOCK 038336103 21 800 SH DEFINED 1 0 0 800
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 9 894 SH DEFINED 1 894 0 0
ARCHSTONE CMNTYS TR SH BEN INT COMMON STOCK 039581103 76 3800 SH DEFINED 1 0 0 3800
ARIBA, INC COMMON STOCK 04033V104 25 120 SH DEFINED 1 0 0 120
ARKANSAS BEST CORP DEL COMMON STOCK 040790107 3 300 SH DEFINED 1 300 0 0
ASSOCIATES FIRST CAP CORP CL A COMMON STOCK 046008108 409 19152 SH DEFINED 1 1652 0 17500
ATLANTIC RICHFIELD COMPANY COMMON STOCK 048825103 405 4760 SH DEFINED 1 4060 0 700
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 150 3100 SH DEFINED 1 200 0 2900
AUTOZONE INC COMMON STOCK 053332102 1926 69407 SH DEFINED 1 69407 0 0
AVNET INC COMMON STOCK 053807103 32 500 SH DEFINED 1 500 0 0
BAKER HUGHES INC COMMON STOCK 057224107 796 26300 SH DEFINED 1 500 0 25800
BANK OF AMERICA CORP COMMON STOCK 060505104 2880 54917 SH DEFINED 1 49917 0 5000
BANK OF AMERICA CORP COMMON STOCK 060505104 24 450 SH OTHER 450 0 0
BANK ONE CORP COMMON STOCK 06423A103 1675 48548 SH DEFINED 1 48548 0 0
BARRETT RES CORP COMMON STOCK 068480201 125 4200 SH DEFINED 1 0 0 4200
BEAR STEARNS COS INC COMMON STOCK 073902108 86 1885 SH DEFINED 1 1885 0 0
BELL ATLANTIC CORP COMMON STOCK 077853109 264 4312 SH DEFINED 1 1206 0 3106
BELLSOUTH CORP COMMON STOCK 079860102 74 1580 SH DEFINED 1 1580 0 0
BELO A H CORP SER A COMMON STOCK 080555105 25 1400 SH DEFINED 1 0 0 1400
BERKSHIRE HATHAWAY INC CL A COMMON STOCK 084670108 51 1 SH DEFINED 1 1 0 0
BERKSHIRE HATHAWAY INC CL B COMMON STOCK 084670207 137 75 SH DEFINED 1 65 0 10
BIOGEN INC COMMON STOCK 090597105 1793 25659 SH DEFINED 1 25659 0 0
BIOGEN INC COMMON STOCK 090597105 5 75 SH OTHER 75 0 0
BIRMINGHAM STL CORP COMMON STOCK 091250100 103 20000 SH DEFINED 1 0 0 20000
BJ SVCS CO COMMON STOCK 055482103 1367 18500 SH DEFINED 1 0 0 18500
BJS WHSL CLUB INC COMMON STOCK 05548J106 1691 44060 SH DEFINED 1 44060 0 0
BJS WHSL CLUB INC COMMON STOCK 05548J106 3 75 SH OTHER 75 0 0
BLACK & DECKER CORP COMMON STOCK 091797100 1350 35947 SH DEFINED 1 35947 0 0
BLACK & DECKER CORP COMMON STOCK 091797100 3 75 SH OTHER 75 0 0
BLOCK H & R INC COMMON STOCK 093671105 152 3400 SH DEFINED 1 0 0 3400
BMC SOFTWARE INC COMMON STOCK 055921100 1705 34535 SH DEFINED 1 34535 0 0
BOEING CO COMMON STOCK 097023105 626 16551 SH DEFINED 1 16551 0 0
BRE PROPERTIES INC COMMON STOCK 05564E106 5 200 SH DEFINED 1 200 0 0
BRINKER INTL INC COMMON STOCK 109641100 145 4875 SH DEFINED 1 4875 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 576 9936 SH DEFINED 1 8136 0 1800
BRUNSWICK CORP COMMON STOCK 117043109 23 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 342 15036 SH DEFINED 1 15036 0 0
BURLINGTON RES INC COMMON STOCK 122014103 627 16945 SH DEFINED 1 4945 0 12000
CABLETRON SYS INC COMMON STOCK 126920107 65 2225 SH DEFINED 1 2225 0 0
CALLAWAY GOLF CO COMMON STOCK 131193104 41 2625 SH DEFINED 1 2625 0 0
CAPITAL ONE FINANCIAL COMMON STOCK 14040H105 997 20800 SH DEFINED 1 20800 0 0
CAPITAL ONE FINANCIAL COMMON STOCK 14040H105 2 50 SH OTHER 50 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 809 17645 SH DEFINED 1 16145 0 1500
CARDINAL HEALTH INC COMMON STOCK 14149Y108 1 30 SH OTHER 30 0 0
CARNIVAL CORP CL A COMMON STOCK 143658102 153 6163 SH DEFINED 1 6163 0 0
CATALYTICA INC COMMON STOCK 148885106 5 333 SH DEFINED 1 333 0 0
CATERPILLAR INC COMMON STOCK 149123101 62 1583 SH DEFINED 1 1583 0 0
CBRL GROUP INC COMMON STOCK 12489V106 180 18000 SH DEFINED 1 18000 0 0
CBS CORP COMMON STOCK 12490K107 134 2360 SH DEFINED 1 760 0 1600
CBS CORP COMMON STOCK 12490K107 181 3200 SH OTHER 3200 0 0
CENDANT CORP COMMON STOCK 151313103 58 3145 SH DEFINED 1 3145 0 0
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 5 300 SH DEFINED 1 300 0 0
CERNER CORP. COMMON STOCK 156782104 2 50 SH DEFINED 1 0 0 50
CHAMPION ENTERPRISES INC COMMON STOCK 158496109 3 500 SH DEFINED 1 500 0 0
CHARLES SCHWAB CORP COMMON STOCK 808513105 11 200 SH DEFINED 1 200 0 0
CHASE MANHATTAN CORP COMMON STOCK 16161A108 419 4800 SH DEFINED 1 2600 0 2200
CHEVRON CORP COMMON STOCK 166751107 2505 27100 SH DEFINED 1 27100 0 0
CHEVRON CORP COMMON STOCK 166751107 3 35 SH OTHER 35 0 0
CHIQUITA BRANDS INTL INC COMMON STOCK 170032106 95 20000 SH DEFINED 1 0 0 20000
CHUBB CORP COMMON STOCK 171232101 7 100 SH DEFINED 1 100 0 0
CIRRUS LOGIC INC COMMON STOCK 172755100 4 200 SH DEFINED 1 200 0 0
CISCO SYS INC COMMON STOCK 17275R102 3155 40806 SH DEFINED 1 39706 0 1100
CISCO SYS INC COMMON STOCK 17275R102 19 250 SH OTHER 250 0 0
CITIGROUP INC COMMON STOCK 172967101 2376 39680 SH DEFINED 1 39680 0 0
CLARCOR INC COMMON STOCK 179895107 11 600 SH DEFINED 1 0 0 600
CLAYTON HOMES INC COMMON STOCK 184190106 830 82021 SH DEFINED 1 82021 0 0
CLAYTON HOMES INC COMMON STOCK 184190106 8 800 SH OTHER 800 0 0
CLECO CORP COMMON STOCK 12561W105 10 300 SH DEFINED 1 300 0 0
CMGI INC COMMON STOCK 125750109 41 360 SH DEFINED 1 0 0 360
CNF TRANSPORTATION INC COMMON STOCK 12612W104 12 450 SH DEFINED 1 450 0 0
COACHMEN INDS INC COMMON STOCK 189873102 6 400 SH DEFINED 1 400 0 0
COASTAL CORP COMMON STOCK 190441105 277 6015 SH DEFINED 1 2215 0 3800
COCA COLA CO COMMON STOCK 191216100 121 2580 SH DEFINED 1 780 0 1800
COLGATE PALMOLIVE CO COMMON STOCK 194162103 90 1600 SH DEFINED 1 600 0 1000
COLONIAL PPTYS TR COMMON STOCK 195872106 202 8500 SH DEFINED 1 0 0 8500
COLUMBIA/HCA HEALTHCARE CORP COMMON STOCK 197677107 14 550 SH DEFINED 1 550 0 0
COMPAQ COMPUTER CORP COMMON STOCK 204493100 520 19264 SH DEFINED 1 19264 0 0
COMPAQ COMPUTER CORP COMMON STOCK 204493100 14 500 SH OTHER 500 0 0
COMPUTER ASSOC INTL INC COMMON STOCK 204912109 907 15328 SH DEFINED 1 11978 0 3350
COMPUTER SCIENCES CORP COMMON STOCK 205363104 1050 13270 SH DEFINED 1 10570 0 2700
COMPUTER SCIENCES CORP COMMON STOCK 205363104 2 20 SH OTHER 20 0 0
COMPUWARE CORP COMMON STOCK 205638109 67 3200 SH DEFINED 1 0 0 3200
CONAGRA INC COMMON STOCK 205887102 11 600 SH DEFINED 1 600 0 0
CONOCO INC CL B COMMON STOCK 208251405 88 3800 SH DEFINED 1 0 0 3800
CONSECO INC COMMON STOCK 208464107 3 300 SH DEFINED 1 300 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 38 1317 SH DEFINED 1 817 0 500
COOPER INDS INC COMMON STOCK 216669101 110 3150 SH DEFINED 1 3150 0 0
CREATIVE TECHNOLOGY LTD COMMON STOCK Y1775U107 16 500 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 5 204 SH DEFINED 1 0 0 204
CULLEN FROST BANKERS INC COMMON STOCK 229899109 48 1800 SH DEFINED 1 0 0 1800
CVS CORP COMMON STOCK 126650100 26 700 SH DEFINED 1 700 0 0
CYBER-CARE, INC COMMON STOCK 23243T105 2 100 SH DEFINED 1 100 0 0
CYMER INC COMMON STOCK 232572107 21 416 SH DEFINED 1 416 0 0
DANAHER CORP COMMON STOCK 235851102 111 2185 SH DEFINED 1 2185 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 9 520 SH DEFINED 1 520 0 0
DEERE & CO COMMON STOCK 244199105 39 1020 SH DEFINED 1 1020 0 0
DELL COMPUTER CORP COMMON STOCK 247025109 3641 67496 SH DEFINED 1 67396 0 100
DELL COMPUTER CORP COMMON STOCK 247025109 24 450 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 107 2000 SH DEFINED 1 0 0 2000
DELTA AIR LINES INC COMMON STOCK 247361108 21 400 SH OTHER 400 0 0
DETROIT DIESEL CORP COMMON STOCK 250837101 226 11800 SH DEFINED 1 0 0 11800
DEVON ENERGY CORPORATIOIN NEW COMMON STOCK 25179M103 2 49 SH DEFINED 1 49 0 0
DIAMOND OFFSHORE DRILLING INC COMMON STOCK 25271C102 799 20000 SH DEFINED 1 0 0 20000
DILLARDS INC CL A COMMON STOCK 254067101 3 200 SH DEFINED 1 200 0 0
DISNEY COMMON STOCK COMMON STOCK 254687106 68 1640 SH DEFINED 1 340 0 1300
DISNEY COMMON STOCK COMMON STOCK 254687106 50 1200 SH OTHER 1200 0 0
DOLE FOOD INC COMMON STOCK 256605106 239 12300 SH DEFINED 1 0 0 12300
DOLLAR GEN CORP COMMON STOCK 256669102 84 3125 SH DEFINED 1 0 0 3125
DOMINION RES INC COMMON STOCK 25746U109 13 341 SH DEFINED 1 341 0 0
DOW CHEM CO COMMON STOCK 260543103 133 1170 SH DEFINED 1 1170 0 0
DOW CHEM CO COMMON STOCK 260543103 23 200 SH OTHER 200 0 0
DOW JONES & CO INC COMMON STOCK 260561105 11 150 SH DEFINED 1 150 0 0
DQE INC COMMON STOCK 23329J104 50 1089 SH OTHER 1089 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 191 3601 SH DEFINED 1 3601 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 37 700 SH OTHER 700 0 0
DUFF & PHELPS SEL UTIL INCOME COMMON STOCK 264324104 210 23845 SH DEFINED 1 23845 0 0
DUFF & PHELPS SEL UTIL INCOME COMMON STOCK 264324104 15 1700 SH OTHER 1700 0 0
DUKE ENERGY CORP COMMON STOCK 264399106 150 2850 SH DEFINED 1 750 0 2100
DUN & BRADSTREET CORP COMMON STOCK 26483B106 17 600 SH DEFINED 1 300 0 300
DURA PHARMACEUTICALS INC COMMON STOCK 26632S109 2 200 SH DEFINED 1 200 0 0
DYNEX CAPITAL INC COMMON STOCK 26817Q506 3 480 SH DEFINED 1 480 0 0
E M C CORP COMMON STOCK 268648102 63 500 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 16 292 SH DEFINED 1 292 0 0
EATON VANCE CORP COMMON STOCK 278265103 17 400 SH DEFINED 1 400 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 13 800 SH DEFINED 1 800 0 0
EDWARDS A G INC COMMON STOCK 281760108 44 1099 SH DEFINED 1 1099 0 0
EL PASO ENERGY CORP COMMON STOCK 283905107 93 2310 SH DEFINED 1 2310 0 0
ELECTRONIC DATA SYS CORP COMMON STOCK 285661104 31 482 SH DEFINED 1 482 0 0
EMERSON ELEC CO COMMON STOCK 291011104 117 2200 SH DEFINED 1 200 0 2000
ENERGY EAST CORP. COMMON STOCK 29266M109 46 2300 SH DEFINED 1 2300 0 0
ENRON CORP COMMON STOCK 293561106 101 1350 SH DEFINED 1 1350 0 0
ENTERGY CORPORATION COMMON STOCK 29364G103 198 9817 SH DEFINED 1 9817 0 0
ENTROPIN, INC. COMMON STOCK 293844106 0 1000 SH DEFINED 1 1000 0 0
EQUITY INCOME FD UNIT 1ST EXC COMMON STOCK 294700703 39 200 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 245 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 1 200 SH DEFINED 1 200 0 0
EXODUS COMMUNICATIONS INC COMMON STOCK 302088109 28 200 SH DEFINED 1 0 0 200
EXXON MOBIL CORP COMMON STOCK 30231G102 736 9444 SH DEFINED 1 7127 0 2317
EXXON MOBIL CORP COMMON STOCK 30231G102 51 648 SH OTHER 648 0 0
FAIRFIELD CMNTYS INC COMMON STOCK 304231301 3 400 SH DEFINED 1 400 0 0
FASTENAL CO COMMON STOCK 311900104 2166 45245 SH DEFINED 1 45245 0 0
FASTENAL CO COMMON STOCK 311900104 7 150 SH OTHER 150 0 0
FEDERAL HOME LN MTG CORP COMMON STOCK 313400301 1792 40545 SH DEFINED 1 40545 0 0
FEDERAL HOME LN MTG CORP COMMON STOCK 313400301 5 110 SH OTHER 110 0 0
FEDERAL NATL MTG AS COMMON STOCK 313586109 869 15365 SH DEFINED 1 15365 0 0
FEDERAL SIGNAL CORP COMMON STOCK 313855108 161 8936 SH DEFINED 1 8936 0 0
FEDERATED DEPT STORES INC COMMON STOCK 31410H101 42 1000 SH DEFINED 1 1000 0 0
FEDEX CORP COMMON STOCK 31428X106 3 75 SH DEFINED 1 75 0 0
FINOVA GROUP INC COMMON STOCK 317928109 1 50 SH OTHER 50 0 0
FIRST DATA CORP COMMON STOCK 319963104 1343 30273 SH DEFINED 1 29573 0 700
FIRST DATA CORP COMMON STOCK 319963104 1 30 SH OTHER 30 0 0
FIRST INDL RLTY TR INC COMMON STOCK 32054K103 90 3300 SH DEFINED 1 0 0 3300
FIRST UNION CORP COMMON STOCK 337358105 126 3390 SH DEFINED 1 3390 0 0
FIRST UTD BANCSHARES INC ARK COMMON STOCK 33741E104 18 1800 SH DEFINED 1 0 0 1800
FIRSTAR CORP COMMON STOCK 33763V109 1618 70559 SH DEFINED 1 70559 0 0
FLEETBOSTON FINL CORP COMMON STOCK 339030108 37 1000 SH DEFINED 1 1000 0 0
FLORIDA PROGRESS CORP COMMON STOCK 341109106 564 12300 SH DEFINED 1 0 0 12300
FORD MTR COMPANY COMMON STOCK 345370100 769 16747 SH DEFINED 1 2747 0 14000
FORTUNE BRANDS INC COMMON STOCK 349631101 15 582 SH DEFINED 1 582 0 0
FPL GROUP INC COMMON STOCK 302571104 32 700 SH DEFINED 1 700 0 0
FRANKLIN RES INC COMMON STOCK 354613101 211 6305 SH DEFINED 1 6305 0 0
FREDS INC CL A COMMON STOCK 356108100 12 775 SH DEFINED 1 775 0 0
GANNETT COMPANY INC COMMON STOCK 364730101 27 388 SH DEFINED 1 388 0 0
GANNETT COMPANY INC COMMON STOCK 364730101 22 310 SH OTHER 310 0 0
GAP INC COMMON STOCK 364760108 2927 58760 SH DEFINED 1 58760 0 0
GAP INC COMMON STOCK 364760108 17 350 SH OTHER 350 0 0
GARDNER DENVER MACHY INC COMMON STOCK 365558105 6 300 SH DEFINED 1 300 0 0
GARTNER GROUP INC CL B COMMON STOCK 366651206 2 156 SH DEFINED 1 78 0 78
GENERAL ELEC CO COMMON STOCK 369604103 1196 7686 SH DEFINED 1 4986 0 2700
GENERAL ELEC CO COMMON STOCK 369604103 97 624 SH OTHER 624 0 0
GENERAL MILLS, INC COMMON STOCK 370334104 151 4160 SH DEFINED 1 4160 0 0
GENERAL MTRS CORP COMMON STOCK 370442105 1320 15938 SH DEFINED 1 15938 0 0
GENERAL MTRS CORP COMMON STOCK 370442105 2 30 SH OTHER 30 0 0
GENERAL MTRS CORP CL H COMMON STOCK 370442832 4 30 SH DEFINED 1 30 0 0
GENUINE PARTS CO COMMON STOCK 372460105 11 450 SH DEFINED 1 0 0 450
GENZYME TRANSGENICS CORP COMMON STOCK 37246E105 8 400 SH DEFINED 1 0 0 400
GILLETTE CO COMMON STOCK 375766102 75 1994 SH DEFINED 1 538 0 1456
GOODRICH B F CO COMMON STOCK 382388106 4 140 SH DEFINED 1 140 0 0
GOODYEAR TIRE & RUBR CO COMMON STOCK 382550101 2 100 SH DEFINED 1 100 0 0
GPU, INC. COMMON STOCK 36225X100 8 300 SH DEFINED 1 300 0 0
GPU, INC. COMMON STOCK 36225X100 3 100 SH OTHER 100 0 0
GREAT LAKES CHEM CORP COMMON STOCK 390568103 3 100 SH DEFINED 1 100 0 0
GTE CORP COMMON STOCK 362320103 444 6254 SH DEFINED 1 2454 0 3800
GUIDANT CORP COMMON STOCK 401698105 610 10355 SH DEFINED 1 10355 0 0
HALLIBURTON CO COMMON STOCK 406216101 621 15089 SH DEFINED 1 15089 0 0
HARKEN ENERGY CORP COMMON STOCK 412552101 45 45200 SH DEFINED 1 45200 0 0
HARLAND JOHN H CO COMMON STOCK 412693103 405 30000 SH DEFINED 1 0 0 30000
HARTFORD FINL SVCS GROUP INC COMMON STOCK 416515104 21 400 SH DEFINED 1 400 0 0
HARTMARX CORP COMMON STOCK 417119104 32 11500 SH DEFINED 1 0 0 11500
HEALTH MGMT ASSOC INC CL A COMMON STOCK 421933102 36 2530 SH DEFINED 1 2530 0 0
HEALTHEON CORP COMMON STOCK 422209106 1 50 SH DEFINED 1 0 0 50
HEALTHSOUTH REHABILITATION COR COMMON STOCK 421924101 95 16620 SH DEFINED 1 16620 0 0
HEWLETT PACKARD CO COMMON STOCK 428236103 602 4530 SH DEFINED 1 4130 0 400
HILLENBRAND INDS INC COMMON STOCK 431573104 340 10000 SH DEFINED 1 0 0 10000
HOME DEPOT INC COMMON STOCK 437076102 1772 27466 SH DEFINED 1 23416 0 4050
HOMESTAKE MNG CO COMMON STOCK 437614100 323 53900 SH DEFINED 1 2000 0 51900
HONEYWELL INTL INC COMMON STOCK 438516106 423 8030 SH DEFINED 1 3730 0 4300
HUNT J B TRANS SVCS INC COMMON STOCK 445658107 2 120 SH DEFINED 1 120 0 0
IDEXX LABS INC COMMON STOCK 45168D104 202 8675 SH DEFINED 1 8675 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 6 100 SH DEFINED 1 100 0 0
IMC GLOBAL INC COMMON STOCK 449669100 294 20000 SH DEFINED 1 0 0 20000
IMMUNE RESPONSE CORP COMMON STOCK 45252T106 2 200 SH DEFINED 1 200 0 0
IMS HEALTH INC COMMON STOCK 449934108 37 2200 SH DEFINED 1 600 0 1600
INPUT/OUTPUT INC COMMON STOCK 457652105 74 12115 SH DEFINED 1 12115 0 0
INTEL CORP COMMON STOCK 458140100 4604 34897 SH DEFINED 1 31997 0 2900
INTEL CORP COMMON STOCK 458140100 33 250 SH OTHER 250 0 0
INTERMAGNETICS GEN CORP COMMON STOCK 458771102 2 134 SH DEFINED 1 134 0 0
INTERNATIONAL BUSINESS MACHS C COMMON STOCK 459200101 365 3090 SH DEFINED 1 1890 0 1200
INTERNATIONAL BUSINESS MACHS C COMMON STOCK 459200101 94 800 SH OTHER 800 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 56 1300 SH DEFINED 1 1300 0 0
INTERNATIONAL REMOTE IMAGING S COMMON STOCK 460259500 2 800 SH DEFINED 1 0 0 800
INTERPUBLIC GROUP COS INC COMMON STOCK 460690100 6 122 SH DEFINED 1 122 0 0
INVACARE CORP COMMON STOCK 461203101 1535 55945 SH DEFINED 1 55945 0 0
JACOBS ENGR GROUP INC COMMON STOCK 469814107 2076 65115 SH DEFINED 1 65115 0 0
JACOBS ENGR GROUP INC COMMON STOCK 469814107 8 260 SH OTHER 260 0 0
JDS UNIPHASE CORP COMMON STOCK 46612J101 72 600 SH DEFINED 1 0 0 600
JEFFERSON PILOT CORP COMMON STOCK 475070108 188 2826 SH DEFINED 1 2826 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 114 1625 SH DEFINED 1 150 0 1475
JOHNSON & JOHNSON COMMON STOCK 478160104 56 800 SH OTHER 800 0 0
JOHNSON CTLS INC COMMON STOCK 478366107 966 17860 SH DEFINED 1 17860 0 0
JOHNSON CTLS INC COMMON STOCK 478366107 8 140 SH OTHER 140 0 0
KANSAS CITY PWR & LT CO COMMON STOCK 485134100 315 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 59 1018 SH DEFINED 1 18 0 1000
KEYSPAN CORP COMMON STOCK 49337W100 6 200 SH DEFINED 1 200 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 706 12598 SH DEFINED 1 5598 0 7000
KNIGHT RIDDER INC COMMON STOCK 499040103 15 300 SH DEFINED 1 300 0 0
LEHMAN BROTHERS HLDGS INC COMMON STOCK 524908100 43 440 SH DEFINED 1 440 0 0
LEUCADIA NATL CORP COMMON STOCK 527288104 6 240 SH OTHER 240 0 0
LEXMARK INTL GROUP INC CL A COMMON STOCK 529771107 1376 13010 SH DEFINED 1 13010 0 0
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</TABLE>
