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: 6/30/00
CHECK HERE IF AMENDMENT ( ); AMENDMENT NUMBER:
THIS AMENDMENT (CHECK ONLY ONE.): ( ) IS A RESTATEMENT.
( ) ADDS NEW HOLDINGS ENTRIES
INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT:
NAME: 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 8/1/00
--------------------------- ---------------- ------------
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: 503
FORM 13F INFORMATION TABLE VALUE TOTAL: $156,268
<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 250 7913 SH DEFINED 1 7463 0 450
ABBOTT LABS COMMON STOCK 002824100 573 12850 SH DEFINED 1 8650 0 4200
ABBOTT LABS COMMON STOCK 002824100 45 1000 SH OTHER 1000 0 0
ACTIVE SOFTWARE, INC COMMON STOCK 00504E100 23 300 SH DEFINED 1 0 0 300
ADAMS EXPRESS CO COMMON STOCK 006212104 55 1500 SH DEFINED 1 1500 0 0
ADAPTEC INC COMMON STOCK 00651F108 7 300 SH DEFINED 1 300 0 0
ADC TELECOMMUNICATIONS INC COMMON STOCK 000886101 1620 19315 SH DEFINED 1 19115 0 200
ADOBE SYS INC COMMON STOCK 00724F101 8 60 SH DEFINED 1 60 0 0
ADVANCED ENVIRONMENTAL RECYC C COMMON STOCK 007947104 4 2000 SH DEFINED 1 0 0 2000
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 71 968 SH DEFINED 1 815 0 153
AGL RES INC COMMON STOCK 001204106 19 1200 SH DEFINED 1 1200 0 0
AIMGLOBAL TECHNOLOGIES INC. CO COMMON STOCK 00900N100 12 1000 SH DEFINED 1 1000 0 0
AIRTRAN HOLDINGS INC COMMON STOCK 00949P108 1 300 SH DEFINED 1 300 0 0
ALBERTSONS INC COMMON STOCK 013104104 97 2920 SH DEFINED 1 2620 0 300
ALCOA INC COMMON STOCK 013817101 360 12400 SH DEFINED 1 1200 0 11200
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 66 2966 SH DEFINED 1 2966 0 0
ALLTEL CORP COMMON STOCK 020039103 1300 20983 SH DEFINED 1 19703 0 1280
ALLTEL CORP COMMON STOCK 020039103 25 400 SH OTHER 400 0 0
AMERICA ONLINE INC COMMON STOCK 02364J104 69 1302 SH DEFINED 1 702 0 600
AMERICAN CLAIMS EVALUATION INC COMMON STOCK 025144106 2 1000 SH DEFINED 1 0 0 1000
AMERICAN EXPRESS CO COMMON STOCK 025816109 332 6375 SH DEFINED 1 6375 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 47 900 SH OTHER 900 0 0
AMERICAN HOME PRODS CORP COMMON STOCK 026609107 188 3200 SH DEFINED 1 3200 0 0
AMERICAN HOME PRODS CORP COMMON STOCK 026609107 147 2500 SH OTHER 2500 0 0
AMERICAN INTL GROUP INC COMMON STOCK 026874107 55 464 SH DEFINED 1 464 0 0
AMERICAN PWR CONVERSION CORP COMMON STOCK 029066107 2158 52875 SH DEFINED 1 52875 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 1620 23055 SH DEFINED 1 23055 0 0
AMSOUTH BANCORPORATION COMMON STOCK 032165102 17 1094 SH DEFINED 1 1094 0 0
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 232 3100 SH DEFINED 1 2700 0 400
ANTEC CORP COMMON STOCK 03664P105 25 600 SH DEFINED 1 0 0 600
AON CORP COMMON STOCK 037389103 25 800 SH DEFINED 1 800 0 0
APACHE CORP COMMON STOCK 037411105 19 325 SH DEFINED 1 325 0 0
APTARGROUP INC COMMON STOCK 038336103 22 800 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 80 3800 SH DEFINED 1 0 0 3800
ARIBA, INC COMMON STOCK 04033V104 12 120 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 18352 SH DEFINED 1 1652 0 16700
AT & T CORP LIBERTY MEDIA GRP COMMON STOCK 001957208 17 700 SH DEFINED 1 700 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 172 3202 SH DEFINED 1 302 0 2900
AUTOZONE INC COMMON STOCK 053332102 1061 48217 SH DEFINED 1 48217 0 0
AVNET INC COMMON STOCK 053807103 30 500 SH DEFINED 1 500 0 0
AXA FINANCIAL INC COMMON STOCK 002451102 1 28 SH DEFINED 1 28 0 0
BAKER HUGHES INC COMMON STOCK 057224107 362 11300 SH DEFINED 1 500 0 10800
BALLANTYNE OMAHA INC. COM COMMON STOCK 058516105 6 2572 SH DEFINED 1 2572 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 2717 63185 SH DEFINED 1 58185 0 5000
BANK OF AMERICA CORP COMMON STOCK 060505104 19 450 SH OTHER 450 0 0
BANK OF THE OZARKS INC. COM COMMON STOCK 063904106 32 2000 SH DEFINED 1 2000 0 0
BANK ONE CORP COMMON STOCK 06423A103 1303 49054 SH DEFINED 1 49054 0 0
BANK ONE CORP COMMON STOCK 06423A103 1 50 SH OTHER 50 0 0
BARRETT RES CORP COMMON STOCK 068480201 128 4200 SH DEFINED 1 0 0 4200
BEAR STEARNS COS INC COMMON STOCK 073902108 78 1885 SH DEFINED 1 1885 0 0
BELL ATLANTIC CORP COMMON STOCK 077853109 200 3932 SH DEFINED 1 826 0 3106
BELLSOUTH CORP COMMON STOCK 079860102 47 1096 SH DEFINED 1 1096 0 0
BERKSHIRE HATHAWAY INC CL A COMMON STOCK 084670108 54 1 SH DEFINED 1 1 0 0
BERKSHIRE HATHAWAY INC CL B COMMON STOCK 084670207 132 75 SH DEFINED 1 65 0 10
BETHLEHEM STL CORP COMMON STOCK 087509105 18 5000 SH DEFINED 1 5000 0 0
BIOGEN INC COMMON STOCK 090597105 2521 39089 SH DEFINED 1 39089 0 0
BIOGEN INC COMMON STOCK 090597105 6 95 SH OTHER 95 0 0
BIRMINGHAM STL CORP COMMON STOCK 091250100 78 20000 SH DEFINED 1 0 0 20000
BJ SVCS CO COMMON STOCK 055482103 688 11000 SH DEFINED 1 0 0 11000
BJS WHSL CLUB INC COMMON STOCK 05548J106 1999 60575 SH DEFINED 1 60575 0 0
BJS WHSL CLUB INC COMMON STOCK 05548J106 9 275 SH OTHER 275 0 0
BLACK & DECKER CORP COMMON STOCK 091797100 2336 59427 SH DEFINED 1 59427 0 0
BLACK & DECKER CORP COMMON STOCK 091797100 3 75 SH OTHER 75 0 0
BLOCK H & R INC COMMON STOCK 093671105 110 3400 SH DEFINED 1 0 0 3400
BMC SOFTWARE INC COMMON STOCK 055921100 1811 49650 SH DEFINED 1 49650 0 0
BMC SOFTWARE INC COMMON STOCK 055921100 2 50 SH OTHER 50 0 0
BOEING CO COMMON STOCK 097023105 669 16001 SH DEFINED 1 16001 0 0
BRE PROPERTIES INC COMMON STOCK 05564E106 6 200 SH DEFINED 1 200 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 536 9200 SH DEFINED 1 9200 0 0
BROADBAND HOLDRS TRUST COMMON STOCK 11130P104 9 100 SH DEFINED 1 0 0 100
BRUNSWICK CORP COMMON STOCK 117043109 20 1200 SH DEFINED 1 1200 0 0
BRUSH WELLMAN INC COMMON STOCK 117421107 6 400 SH DEFINED 1 400 0 0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK 12189T104 91 3950 SH DEFINED 1 3950 0 0
BURLINGTON RES INC COMMON STOCK 122014103 648 16945 SH DEFINED 1 4945 0 12000
CAPITAL ONE FINANCIAL COMMON STOCK 14040H105 958 21475 SH DEFINED 1 21475 0 0
CAPITAL ONE FINANCIAL COMMON STOCK 14040H105 2 50 SH OTHER 50 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 2166 29275 SH DEFINED 1 27775 0 1500
CARDINAL HEALTH INC COMMON STOCK 14149Y108 2 30 SH OTHER 30 0 0
CARNIVAL CORP CL A COMMON STOCK 143658102 44 2263 SH DEFINED 1 2263 0 0
CATALYTICA INC COMMON STOCK 148885106 4 333 SH DEFINED 1 333 0 0
CBRL GROUP INC COMMON STOCK 12489V106 182 12380 SH DEFINED 1 12380 0 0
CELL PATHWAYS, INC. COMMON STOCK 15114R101 0 20 SH DEFINED 1 0 0 20
CENDANT CORP COMMON STOCK 151313103 18 1300 SH DEFINED 1 1300 0 0
CERNER CORP. COMMON STOCK 156782104 1 50 SH DEFINED 1 0 0 50
CHARLES SCHWAB CORP COMMON STOCK 808513105 10 300 SH DEFINED 1 300 0 0
CHASE MANHATTAN CORP COMMON STOCK 16161A108 332 7200 SH DEFINED 1 3900 0 3300
CHEVRON CORP COMMON STOCK 166751107 2386 28135 SH DEFINED 1 28135 0 0
CHEVRON CORP COMMON STOCK 166751107 3 35 SH OTHER 35 0 0
CHIQUITA BRANDS INTL INC COMMON STOCK 170032106 79 20000 SH DEFINED 1 0 0 20000
CIRRUS LOGIC INC COMMON STOCK 172755100 3 200 SH DEFINED 1 200 0 0
CISCO SYS INC COMMON STOCK 17275R102 2272 35743 SH DEFINED 1 34668 0 1075
CISCO SYS INC COMMON STOCK 17275R102 19 300 SH OTHER 300 0 0
CITIGROUP INC COMMON STOCK 172967101 2326 38610 SH DEFINED 1 38610 0 0
CITRIX SYS INC COMMON STOCK 177376100 8 400 SH DEFINED 1 400 0 0
CLARCOR INC COMMON STOCK 179895107 12 600 SH DEFINED 1 0 0 600
CLAYTON HOMES INC COMMON STOCK 184190106 397 49613 SH DEFINED 1 49613 0 0
CLECO CORP COMMON STOCK 12561W105 10 300 SH DEFINED 1 300 0 0
CMGI INC COMMON STOCK 125750109 16 360 SH DEFINED 1 0 0 360
CNF TRANSPORTATION INC COMMON STOCK 12612W104 10 450 SH DEFINED 1 450 0 0
COASTAL CORP COMMON STOCK 190441105 231 3800 SH DEFINED 1 0 0 3800
COCA COLA CO COMMON STOCK 191216100 147 2563 SH DEFINED 1 763 0 1800
COLGATE PALMOLIVE CO COMMON STOCK 194162103 96 1600 SH DEFINED 1 600 0 1000
COLONIAL PPTYS TR COMMON STOCK 195872106 233 8500 SH DEFINED 1 0 0 8500
COMPAQ COMPUTER CORP COMMON STOCK 204493100 479 18749 SH DEFINED 1 18749 0 0
COMPAQ COMPUTER CORP COMMON STOCK 204493100 13 500 SH OTHER 500 0 0
COMPUTER ASSOC INTL INC COMMON STOCK 204912109 879 17168 SH DEFINED 1 13518 0 3650
COMPUTER SCIENCES CORP COMMON STOCK 205363104 1102 14760 SH DEFINED 1 12060 0 2700
COMPUTER SCIENCES CORP COMMON STOCK 205363104 7 90 SH OTHER 90 0 0
CONAGRA INC COMMON STOCK 205887102 11 600 SH DEFINED 1 600 0 0
CONOCO INC CL B COMMON STOCK 208251405 93 3800 SH DEFINED 1 0 0 3800
CONSECO INC COMMON STOCK 208464107 8 800 SH DEFINED 1 800 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 39 1317 SH DEFINED 1 817 0 500
COOPER INDS INC COMMON STOCK 216669101 26 800 SH DEFINED 1 800 0 0
CREATIVE TECHNOLOGY LTD COMMON STOCK Y1775U107 12 500 SH DEFINED 1 500 0 0
CRESCENT REAL ESTATE EQUITIES COMMON STOCK 225756105 21 1000 SH DEFINED 1 0 0 1000
CSX CORP COMMON STOCK 126408103 7 324 SH DEFINED 1 120 0 204
CULLEN FROST BANKERS INC COMMON STOCK 229899109 47 1800 SH DEFINED 1 0 0 1800
CVS CORP COMMON STOCK 126650100 28 700 SH DEFINED 1 700 0 0
CYMER INC COMMON STOCK 232572107 20 416 SH DEFINED 1 416 0 0
DANAHER CORP COMMON STOCK 235851102 108 2185 SH DEFINED 1 2185 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 8 520 SH DEFINED 1 520 0 0
DEERE & CO COMMON STOCK 244199105 41 1120 SH DEFINED 1 1120 0 0
DEL LABS INC. COM COMMON STOCK 245091103 16 1326 SH DEFINED 1 1326 0 0
DELL COMPUTER CORP COMMON STOCK 247025109 3210 65086 SH DEFINED 1 64986 0 100
DELL COMPUTER CORP COMMON STOCK 247025109 22 450 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 101 2000 SH DEFINED 1 0 0 2000
DELTA AIR LINES INC COMMON STOCK 247361108 20 400 SH OTHER 400 0 0
DELTA PINE LAND CO. COM COMMON STOCK 247357106 9 353 SH DEFINED 1 353 0 0
DETROIT DIESEL CORP COMMON STOCK 250837101 174 11800 SH DEFINED 1 0 0 11800
DEVON ENERGY CORPORATIOIN NEW COMMON STOCK 25179M103 3 49 SH DEFINED 1 49 0 0
DIAMOND OFFSHORE DRILLING INC COMMON STOCK 25271C102 351 10000 SH DEFINED 1 0 0 10000
DILLARDS INC CL A COMMON STOCK 254067101 2 200 SH DEFINED 1 200 0 0
DIODES INC. COMMON STOCK 254543101 13 300 SH DEFINED 1 0 0 300
DISNEY, WALT COMMON STOCK 254687106 50 1300 SH DEFINED 1 0 0 1300
DOLE FOOD INC COMMON STOCK 256605106 172 12300 SH DEFINED 1 0 0 12300
DOLLAR GEN CORP COMMON STOCK 256669102 76 3906 SH DEFINED 1 0 0 3906
DOMINION RES INC COMMON STOCK 25746U109 15 341 SH DEFINED 1 341 0 0
DOW CHEM CO COMMON STOCK 260543103 106 3510 SH DEFINED 1 3510 0 0
DOW CHEM CO COMMON STOCK 260543103 18 600 SH OTHER 600 0 0
DQE INC COMMON STOCK 23329J104 43 1089 SH OTHER 1089 0 0
DTE ENERGY CO COMMON STOCK 233331107 46 1500 SH DEFINED 1 1500 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 158 3601 SH DEFINED 1 3601 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 31 700 SH OTHER 700 0 0
DUFF & PHELPS SEL UTIL INCOME COMMON STOCK 264324104 256 26645 SH DEFINED 1 26645 0 0
DUFF & PHELPS SEL UTIL INCOME COMMON STOCK 264324104 16 1700 SH OTHER 1700 0 0
DUKE ENERGY CORP COMMON STOCK 264399106 161 2850 SH DEFINED 1 750 0 2100
DUN & BRADSTREET CORP COMMON STOCK 26483B106 26 900 SH DEFINED 1 300 0 600
DURA PHARMACEUTICALS INC COMMON STOCK 26632S109 3 200 SH DEFINED 1 200 0 0
DYNEX CAPITAL INC COMMON STOCK 26817Q506 2 1480 SH DEFINED 1 1480 0 0
E M C CORP COMMON STOCK 268648102 85 1100 SH DEFINED 1 500 0 600
EASTMAN CHEM CO COMMON STOCK 277432100 2 41 SH DEFINED 1 41 0 0
EASTMAN KODAK CO COMMON STOCK 277461109 17 292 SH DEFINED 1 292 0 0
EATON VANCE CORP COMMON STOCK 278265103 19 400 SH DEFINED 1 400 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 16 800 SH DEFINED 1 800 0 0
EDWARDS A G INC COMMON STOCK 281760108 43 1099 SH DEFINED 1 1099 0 0
EL PASO ENERGY CORP COMMON STOCK 283905107 118 2310 SH DEFINED 1 2310 0 0
ELECTRONIC DATA SYS CORP COMMON STOCK 285661104 20 482 SH DEFINED 1 482 0 0
ELECTRONICS FOR IMAGING INC. C COMMON STOCK 286082102 8 300 SH DEFINED 1 300 0 0
EMERSON ELEC CO COMMON STOCK 291011104 202 3350 SH DEFINED 1 200 0 3150
ENERGY EAST CORP. COMMON STOCK 29266M109 44 2300 SH DEFINED 1 2300 0 0
ENRON CORP COMMON STOCK 293561106 74 1150 SH DEFINED 1 1150 0 0
ENTERGY CORPORATION COMMON STOCK 29364G103 284 10436 SH DEFINED 1 10436 0 0
ENTROPIN, INC. COMMON STOCK 293844106 8 1500 SH DEFINED 1 1500 0 0
EOG RES INC COMMON STOCK 26875P101 30 900 SH DEFINED 1 0 0 900
EQUITY INCOME FD UNIT 1ST EXC COMMON STOCK 294700703 35 200 SH DEFINED 1 200 0 0
EQUITY OIL CO COMMON STOCK 294749106 1 297 SH DEFINED 1 0 0 297
EQUITY RESIDENTIAL PPTYS TR SH COMMON STOCK 29476L107 281 6100 SH DEFINED 1 0 0 6100
ETHAN ALLEN INTERIORS, INC. COMMON STOCK 297602104 19 800 SH DEFINED 1 0 0 800
EUROWEB INTL CORP COMMON STOCK 298801101 0 129 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 37 800 SH DEFINED 1 400 0 400
EXXON MOBIL CORP COMMON STOCK 30231G102 783 9975 SH DEFINED 1 7658 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 1470 29030 SH DEFINED 1 29030 0 0
FASTENAL CO COMMON STOCK 311900104 8 150 SH OTHER 150 0 0
FEDERAL HOME LN MTG CORP COMMON STOCK 313400301 1734 42810 SH DEFINED 1 42810 0 0
FEDERAL HOME LN MTG CORP COMMON STOCK 313400301 4 110 SH OTHER 110 0 0
FEDERAL NATL MTG AS COMMON STOCK 313586109 981 18789 SH DEFINED 1 18789 0 0
FEDERAL SIGNAL CORP COMMON STOCK 313855108 143 8661 SH DEFINED 1 8661 0 0
FEDERATED DEPT STORES INC COMMON STOCK 31410H101 34 1000 SH DEFINED 1 1000 0 0
FEDEX CORP COMMON STOCK 31428X106 8 199 SH DEFINED 1 199 0 0
FINOVA GROUP INC COMMON STOCK 317928109 1 50 SH OTHER 50 0 0
FIRST DATA CORP COMMON STOCK 319963104 1454 29308 SH DEFINED 1 28608 0 700
FIRST DATA CORP COMMON STOCK 319963104 1 30 SH OTHER 30 0 0
FIRST INDL RLTY TR INC COMMON STOCK 32054K103 97 3300 SH DEFINED 1 0 0 3300
FIRST UNION CORP COMMON STOCK 337358105 4 150 SH DEFINED 1 150 0 0
FIRST UTD BANCSHARES INC ARK COMMON STOCK 33741E104 30 2000 SH DEFINED 1 2000 0 0
FIRSTAR CORP COMMON STOCK 33763V109 1486 70559 SH DEFINED 1 70559 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 2 78 SH DEFINED 1 78 0 0
FLORIDA PROGRESS CORP COMMON STOCK 341109106 577 12300 SH DEFINED 1 0 0 12300
FORD MTR COMPANY COMMON STOCK 345370100 723 16819 SH DEFINED 1 2819 0 14000
FORTUNE BRANDS INC COMMON STOCK 349631101 13 582 SH DEFINED 1 582 0 0
FPL GROUP INC COMMON STOCK 302571104 35 700 SH DEFINED 1 700 0 0
FRANKLIN RES INC COMMON STOCK 354613101 110 3605 SH DEFINED 1 3605 0 0
FREDS INC CL A COMMON STOCK 356108100 14 775 SH DEFINED 1 775 0 0
GANNETT COMPANY INC COMMON STOCK 364730101 26 430 SH DEFINED 1 430 0 0
GANNETT COMPANY INC COMMON STOCK 364730101 19 310 SH OTHER 310 0 0
GAP INC COMMON STOCK 364760108 1986 63555 SH DEFINED 1 63555 0 0
GAP INC COMMON STOCK 364760108 11 350 SH OTHER 350 0 0
GARDNER DENVER MACHY INC COMMON STOCK 365558105 5 300 SH DEFINED 1 300 0 0
GARTNER GROUP INC CL B COMMON STOCK 366651206 1 78 SH DEFINED 1 78 0 0
GATEWAY INC COMMON STOCK 367626108 679 11960 SH DEFINED 1 11960 0 0
GENERAL ELEC CO COMMON STOCK 369604103 1456 27479 SH DEFINED 1 19379 0 8100
GENERAL ELEC CO COMMON STOCK 369604103 99 1872 SH OTHER 1872 0 0
GENERAL MILLS, INC COMMON STOCK 370334104 159 4160 SH DEFINED 1 4160 0 0
GENERAL MTRS CORP COMMON STOCK 370442105 755 12998 SH DEFINED 1 12998 0 0
GENERAL MTRS CORP COMMON STOCK 370442105 2 30 SH OTHER 30 0 0
GENERAL MTRS CORP CL H COMMON STOCK 370442832 8 280 SH DEFINED 1 280 0 0
GENUINE PARTS CO COMMON STOCK 372460105 9 450 SH DEFINED 1 0 0 450
GENZYME TRANSGENICS CORP COMMON STOCK 37246E105 11 400 SH DEFINED 1 0 0 400
GILLETTE CO COMMON STOCK 375766102 70 1994 SH DEFINED 1 538 0 1456
GLOBAL MARINE INC COMMON STOCK 379352404 28 1000 SH DEFINED 1 1000 0 0
GOODRICH B F CO COMMON STOCK 382388106 5 140 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 391 6288 SH DEFINED 1 2488 0 3800
GUIDANT CORP COMMON STOCK 401698105 923 18645 SH DEFINED 1 18645 0 0
GUIDANT CORP COMMON STOCK 401698105 2 50 SH OTHER 50 0 0
HARKEN ENERGY CORP COMMON STOCK 412552101 28 45200 SH DEFINED 1 45200 0 0
HARLAND JOHN H CO COMMON STOCK 412693103 448 30000 SH DEFINED 1 0 0 30000
HARTFORD FINL SVCS GROUP INC COMMON STOCK 416515104 11 200 SH DEFINED 1 200 0 0
HARTMARX CORP COMMON STOCK 417119104 29 11500 SH DEFINED 1 0 0 11500
HASBORO, INC. COMMON STOCK 418056107 17 1100 SH DEFINED 1 0 0 1100
HCA-THE HEALTHCARE CO COMMON STOCK 404119109 17 550 SH DEFINED 1 550 0 0
HEALTHEON CORP COMMON STOCK 422209106 1 50 SH DEFINED 1 0 0 50
HEALTHSOUTH REHABILITATION COR COMMON STOCK 421924101 117 16320 SH DEFINED 1 16320 0 0
HEWLETT PACKARD CO COMMON STOCK 428236103 305 2440 SH DEFINED 1 2040 0 400
HILLENBRAND INDS INC COMMON STOCK 431573104 313 10000 SH DEFINED 1 0 0 10000
HOME DEPOT INC COMMON STOCK 437076102 1426 28561 SH DEFINED 1 24511 0 4050
HOMESTAKE MNG CO COMMON STOCK 437614100 384 55900 SH DEFINED 1 4000 0 51900
HONEYWELL INTL INC COMMON STOCK 438516106 303 8998 SH DEFINED 1 4198 0 4800
HOUSEHOLD INTL INC COMMON STOCK 441815107 55 1313 SH DEFINED 1 1313 0 0
HUNT J B TRANS SVCS INC COMMON STOCK 445658107 2 120 SH DEFINED 1 120 0 0
IDEXX LABS INC COMMON STOCK 45168D104 114 4975 SH DEFINED 1 4975 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 6 100 SH DEFINED 1 100 0 0
IMC GLOBAL INC COMMON STOCK 449669100 260 20000 SH DEFINED 1 0 0 20000
IMMUNE RESPONSE CORP COMMON STOCK 45252T106 2 200 SH DEFINED 1 200 0 0
IMPERIAL OIL LTD. COM COMMON STOCK 453038408 73 3000 SH DEFINED 1 3000 0 0
IMS HEALTH INC COMMON STOCK 449934108 22 1200 SH DEFINED 1 600 0 600
INGERSOLL RAND CO COMMON STOCK 456866102 5 124 SH DEFINED 1 124 0 0
INPUT/OUTPUT INC COMMON STOCK 457652105 101 11965 SH DEFINED 1 11965 0 0
INTEL CORP COMMON STOCK 458140100 4384 32790 SH DEFINED 1 29890 0 2900
INTEL CORP COMMON STOCK 458140100 33 250 SH OTHER 250 0 0
INTERMAGNETICS GEN CORP COMMON STOCK 458771102 3 134 SH DEFINED 1 134 0 0
INTERNATIONAL BUSINESS MACHS C COMMON STOCK 459200101 434 3960 SH DEFINED 1 2060 0 1900
INTERNATIONAL BUSINESS MACHS C COMMON STOCK 459200101 88 800 SH OTHER 800 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 39 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 7 164 SH DEFINED 1 164 0 0
INVACARE CORP COMMON STOCK 461203101 403 15335 SH DEFINED 1 15335 0 0
JACOBS ENGR GROUP INC COMMON STOCK 469814107 2134 65280 SH DEFINED 1 65280 0 0
JACOBS ENGR GROUP INC COMMON STOCK 469814107 8 260 SH OTHER 260 0 0
JDS UNIPHASE CORP COMMON STOCK 46612J101 79 660 SH DEFINED 1 60 0 600
JEFFERSON PILOT CORP COMMON STOCK 475070108 159 2826 SH DEFINED 1 2826 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 203 1997 SH DEFINED 1 522 0 1475
JOHNSON & JOHNSON COMMON STOCK 478160104 82 800 SH OTHER 800 0 0
JOHNSON CTLS INC COMMON STOCK 478366107 960 18705 SH DEFINED 1 18705 0 0
JOHNSON CTLS INC COMMON STOCK 478366107 7 140 SH OTHER 140 0 0
KANSAS CITY PWR & LT CO COMMON STOCK 485134100 244 10846 SH DEFINED 1 2446 0 8400
KEEBLER FOODS CO COMMON STOCK 487256109 7 200 SH DEFINED 1 200 0 0
KERR MCGEE CORPORATION COMMON STOCK 492386107 60 1018 SH DEFINED 1 18 0 1000
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</TABLE>
