RAYMOND JAMES TRUST CO
13F-HR/A, 2000-02-11
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                      UNITED STATES
                  SECURITIES AND EXCHANGE COMMISSION
                        Washington, D.C.  20549

                              FORM 13F

                        FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: 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:    Christine Pearson, AVP
Address: Raymond James Trust Company
         710 Carillon Parkway
         St. Petersburg, FL 33716

13F File Number:

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:     Christine Pearson
Title:    AVP
Phone:    7275733800 Ex. 34873
Signature, Place, and Date of Signing:

    Christine Pearson, AVP  St. Petersburg, FL    FEBRUARY 11, 2000


Report Type (Check only one.):

[ X]        13F HOLDINGS REPORT.

[  ]        13F NOTICE.

[  ]        13F COMBINATION REPORT.





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:      239

Form 13F Information Table Entry Total:       $215,392



List of Other Included Managers:

NONE


<PAGE>
<TABLE>                        <C>                                            <C>
                                                                FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (x$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- --- ---  --- ---- ------- ------------- ------- --------- ------
AT&T                           COM              001957109      552    11238 SH       SOLE                     9608              1630
AT&T                           COM              001957109      560    11407 SH       DEFINED                  7657     2250     1500
AT&T CORPORATION LIBERTY       COM              001957208      572    10810 SH       SOLE                     4905              5905
AT&T CORPORATION LIBERTY       COM              001957208      101     1920 SH       DEFINED                   125      135     1660
ABBOTT LABS                    COM              002824100      569    16220 SH       SOLE                    16165                55
ABBOTT LABS                    COM              002824100       46     1310 SH       DEFINED                   400      910
AETNA INC COMMON STOCK         COM              008117103      196     4880 SH       SOLE                     2505              2375
AETNA INC COMMON STOCK         COM              008117103       27      675 SH       DEFINED                   315      170      190
ALLTEL CORPORATION             COM              020039103      349     5171 SH       SOLE                     2741              2430
ALLTEL CORPORATION             COM              020039103      136     2016 SH       DEFINED                   881      400      735
AMERICA ONLINE INCORPORATED    COM              02364J104      615    10520 SH       SOLE                     4910              5610
AMERICA ONLINE INCORPORATED    COM              02364J104       98     1685 SH       DEFINED                   435      330      920
AMERICAN EXPRESS COMPANY       COM              025816109      709     4595 SH       SOLE                     2865              1730
AMERICAN EXPRESS COMPANY       COM              025816109      179     1163 SH       DEFINED                   848               315
AMERICAN HOME PRODUCTS         COM              026609107      490    10507 SH       SOLE                     6588              3919
AMERICAN HOME PRODUCTS         COM              026609107      161     3450 SH       DEFINED                  2140      350      960
AMERICAN INTERNATIONAL GROUP   COM              026874107      975    10343 SH       SOLE                     3765              6578
AMERICAN INTERNATIONAL GROUP   COM              026874107      268     2846 SH       DEFINED                   782     1357      707
AMERICAN WATER WORKS INC       COM              030411102      213    10445 SH       SOLE                     3990              6455
AMERICAN WATER WORKS INC       COM              030411102       58     2845 SH       DEFINED                   100      815     1930
AMGEN INC                      COM              031162100      259     3980 SH       SOLE                     2580              1400
AMGEN INC                      COM              031162100       52      800 SH       DEFINED                             70      730
ANHEUSER BUSCH COS INC         COM              035229103      182     2728 SH       SOLE                     1728              1000
ANHEUSER BUSCH COS INC         COM              035229103      198     2970 SH       DEFINED                  2400      370      200
APPLIED MATERIALS INCORPORATED COM              038222105      242     1390 SH       SOLE                      950      255      185
APPLIED MATERIALS INCORPORATED COM              038222105       76      435 SH       DEFINED                   200       35      200
ASPECT COMMUNICATIONS CORPORAT COM              04523Q102      196     2950 SH       SOLE                     1200              1750
ASPECT COMMUNICATIONS CORPORAT COM              04523Q102       31      475 SH       DEFINED                                     475
AUTOMATIC DATA PROC            COM              053015103       87     1838 SH       SOLE                     1704      134
AUTOMATIC DATA PROC            COM              053015103      181     3824 SH       DEFINED                  3550      274
BP AMOCO PLC ADS               COM              055622104      999    20767 SH       SOLE                    12844      140     7783
BP AMOCO PLC ADS               COM              055622104      400     8314 SH       DEFINED                  6098      826     1390
BANK OF AMERICA CORPORATION    COM              060505104     5444   121333 SH       SOLE                   120056      172     1105
BANK OF AMERICA CORPORATION    COM              060505104       80     1784 SH       DEFINED                   919      815       50
BELL ATLANTIC CORP             COM              077853109      200     3516 SH       SOLE                     2752      164      600
BELL ATLANTIC CORP             COM              077853109      482     8452 SH       DEFINED                  4620     2836      996
BELLSOUTH CORP                 COM              079860102      697    15784 SH       SOLE                    12542      184     3058
BELLSOUTH CORP                 COM              079860102      546    12371 SH       DEFINED                  7621     3330     1420
BIOGEN INCORPORATED            COM              090597105      178     1785 SH       SOLE                     1550               235
BIOGEN INCORPORATED            COM              090597105       26      265 SH       DEFINED                             35      230
BOEING COMPANY                 COM              097023105      176     4449 SH       SOLE                     4314               135
BOEING COMPANY                 COM              097023105       49     1245 SH       DEFINED                    75      900      270
BOSTON SCIENTIFIC CORPORATION  COM              101137107      324    16300 SH       DEFINED                 16300
BRISTOL MYERS SQUIBB CO        COM              110122108     1407    22940 SH       SOLE                    17955              4985
BRISTOL MYERS SQUIBB CO        COM              110122108      146     2386 SH       DEFINED                   721      675      990
BROADCOM CORPORATION CLASS A   COM              111320107      293      840 SH       SOLE                      700               140
BROADCOM CORPORATION CLASS A   COM              111320107       68      195 SH       DEFINED                             40      155
CHS ELECTRONICS INCORPORATED   COM              12542A206       17    15000 SH       SOLE                    15000
CIGNA CORPORATION              COM              125509109      561     7118 SH       SOLE                     7118
CHASE MANHATTAN CORPORATION (N COM              16161A108      443     5335 SH       SOLE                     3302      144     1889
CHASE MANHATTAN CORPORATION (N COM              16161A108      161     1942 SH       DEFINED                  1137      575      230
CHEVRON CORP                   COM              166751107      119     1551 SH       SOLE                     1427       72       52
CHEVRON CORP                   COM              166751107      138     1802 SH       DEFINED                   536     1266
CISCO SYSTEMS INCORPORATED     COM              17275R102     3651    26863 SH       SOLE                    13534      422    12907
CISCO SYSTEMS INCORPORATED     COM              17275R102      412     3035 SH       DEFINED                   680      570     1785
CITIGROUP INCORPORATED         COM              172967101     3917    72962 SH       SOLE                    63133              9829
CITIGROUP INCORPORATED         COM              172967101      195     3647 SH       DEFINED                  1549      713     1385
COCA COLA CO                   COM              191216100      357     6315 SH       SOLE                     4315              2000
COCA COLA CO                   COM              191216100      277     4889 SH       DEFINED                  3550     1239      100
COHERENT INCORPORATED          COM              192479103      161     2545 SH       SOLE                      900      500     1145
COHERENT INCORPORATED          COM              192479103       94     1480 SH       DEFINED                  1000      245      235
COLGATE PALMOLIVE COMPANY      COM              194162103      269     4694 SH       SOLE                     4694
COLGATE PALMOLIVE COMPANY      COM              194162103       32      557 SH       DEFINED                            557
COMPAQ COMPUTER CORPORATION    COM              204493100      198     7545 SH       SOLE                     5054      136     2355
COMPAQ COMPUTER CORPORATION    COM              204493100       95     3654 SH       DEFINED                  1974     1600       80
COMPASS BANCSHARES             COM              20449H109     2450   141546 SH       SOLE                   141546
CONAGRA INCORPORATED           COM              205887102      417    21878 SH       SOLE                    15979      152     5747
CONAGRA INCORPORATED           COM              205887102       46     2415 SH       DEFINED                   320      835     1260
COSTCO WHOLESALE CORP          COM              22160K105      240     4620 SH       SOLE                     1860              2760
COSTCO WHOLESALE CORP          COM              22160K105       28      550 SH       DEFINED                                     550
DELL COMPUTER CORPORATION      COM              247025109      667    17200 SH       SOLE                     8065              9135
DELL COMPUTER CORPORATION      COM              247025109      150     3870 SH       DEFINED                  2125      215     1530
DISNEY WALT CO                 COM              254687106      221     6000 SH       SOLE                     6000
DISNEY WALT CO                 COM              254687106      130     3525 SH       DEFINED                  1370     1855      300
DU PONT E I DE NEMOURS & CO    COM              263534109     2839    52517 SH       SOLE                    51026      122     1369
DU PONT E I DE NEMOURS & CO    COM              263534109      341     6313 SH       DEFINED                  4803     1440       70
E M C CORPORATION              COM              268648102      869     7383 SH       SOLE                     5398              1985
E M C CORPORATION              COM              268648102      176     1502 SH       DEFINED                    50      672      780
EASTMAN KODAK CO               COM              277461109      211     3559 SH       SOLE                     3293               266
EASTMAN KODAK CO               COM              277461109       17      300 SH       DEFINED                   300
ELECTRONIC DATA SYSTEMS CORP   COM              285661104      467     6288 SH       SOLE                     2863              3425
ELECTRONIC DATA SYSTEMS CORP   COM              285661104       68      923 SH       DEFINED                   398      200      325
ENRON CORPORATION              COM              293561106      238     3530 SH       SOLE                     2330              1200
ENRON CORPORATION              COM              293561106      169     2512 SH       DEFINED                            600     1912
EXXON MOBIL CORPORATION        COM              30231G102     4042    53281 SH       SOLE                    48178      263     4840
EXXON MOBIL CORPORATION        COM              30231G102     1209    15936 SH       DEFINED                  7881     7034     1021
FEDERAL NATL MTG ASSN          COM              313586109      278     5109 SH       SOLE                     3669              1440
FEDERAL NATL MTG ASSN          COM              313586109       97     1785 SH       DEFINED                   240     1345      200
FEDERATED DEPARTMENT STORES    COM              31410H101      188     5000 SH       SOLE                     1820              3180
FEDERATED DEPARTMENT STORES    COM              31410H101       31      845 SH       DEFINED                   410      185      250
FIRST AUSTRALIA PRIME INCOME F COM              318653102       72    14043 SH       SOLE                    14043
FIRST AUSTRALIA PRIME INCOME F COM              318653102       15     3000 SH       DEFINED                           3000
FIRST DATA CORPORATION         COM              319963104      297     5900 SH       SOLE                     2225              3675
FIRST DATA CORPORATION         COM              319963104       47      950 SH       DEFINED                   100               850
FIRST UNION CORPORATION        COM              337358105      136     4500 SH       SOLE                     3450              1050
FIRST UNION CORPORATION        COM              337358105       68     2263 SH       DEFINED                  1153     1060       50
FLORIDA PROGRESS CORP          COM              341109106      112     2580 SH       SOLE                     1615               965
FLORIDA PROGRESS CORP          COM              341109106      160     3675 SH       DEFINED                  3600       75
FORD MOTOR CO                  COM              345370100      397     8452 SH       SOLE                     4623       59     3770
FORD MOTOR CO                  COM              345370100      110     2345 SH       DEFINED                   225     1145      975
FORTUNE BRANDS INCORPORATED    COM              349631101      231     9206 SH       SOLE                     5516              3690
FORTUNE BRANDS INCORPORATED    COM              349631101       48     1910 SH       DEFINED                   707      470      733
G T E CORP                     COM              362320103      740    10918 SH       SOLE                     6281              4637
G T E CORP                     COM              362320103      535     7902 SH       DEFINED                  1182     5815      905
GAP, INC.                      COM              364760108      219     4475 SH       SOLE                      515              3960
GAP, INC.                      COM              364760108      141     2892 SH       DEFINED                           2362      530
GENERAL ELECTRIC CO            COM              369604103     2926    21606 SH       SOLE                    16367       99     5140
GENERAL ELECTRIC CO            COM              369604103     2900    21415 SH       DEFINED                 14530     5341     1544
GENERAL MTRS CORP              COM              370442105      376     4893 SH       SOLE                     3157              1736
GENERAL MTRS CORP              COM              370442105       70      911 SH       DEFINED                   491      290      130
GILLETTE CO                    COM              375766102      207     5600 SH       SOLE                     5600
GILLETTE CO                    COM              375766102       29      800 SH       DEFINED                            800
GUIDANT CORPORATION            COM              401698105      776    12233 SH       SOLE                     5053              7180
GUIDANT CORPORATION            COM              401698105       68     1085 SH       DEFINED                   225       60      800
HARSCO CORPORATION             COM              415864107      262    10265 SH       SOLE                     4485              5780
HARSCO CORPORATION             COM              415864107       53     2095 SH       DEFINED                   110      645     1340
H J HEINZ CO                   COM              423074103      386    11008 SH       SOLE                     7123      105     3780
H J HEINZ CO                   COM              423074103       96     2745 SH       DEFINED                   665     1105      975
HEWLETT PACKARD CO             COM              428236103      229     1820 SH       SOLE                     1540               280
HEWLETT PACKARD CO             COM              428236103      298     2370 SH       DEFINED                  1055     1295       20
HOME DEPOT INC                 COM              437076102     1435    24093 SH       SOLE                    10374             13719
HOME DEPOT INC                 COM              437076102      668    11227 SH       DEFINED                  5948     3637     1642
ILLINOIS TOOL WORKS INC        COM              452308109       84     1480 SH       SOLE                     1480
ILLINOIS TOOL WORKS INC        COM              452308109      127     2230 SH       DEFINED                  2130      100
INTEL CORPORATION              COM              458140100     1169    10869 SH       SOLE                     7234      240     3395
INTEL CORPORATION              COM              458140100      553     5140 SH       DEFINED                  3865      290      985
INTL BUSINESS MACHS CORP       COM              459200101      669     5624 SH       SOLE                     3674              1950
INTL BUSINESS MACHS CORP       COM              459200101      217     1825 SH       DEFINED                  1401      149      275
INTERNATIONAL PAPER COMPANY    COM              460146103      263     6034 SH       SOLE                     3684              2350
INTERNATIONAL PAPER COMPANY    COM              460146103      288     6598 SH       DEFINED                   435     5963      200
INTIMATE BRANDS INCORPORATED   COM              461156101      164     4733 SH       SOLE                     1335              3398
INTIMATE BRANDS INCORPORATED   COM              461156101       51     1489 SH       DEFINED                            486     1003
JDS UNIPHASE CORPORATION       COM              46612J101      384     1860 SH       SOLE                     1580               280
JDS UNIPHASE CORPORATION       COM              46612J101      139      675 SH       DEFINED                    25       60      590
JOHNSON & JOHNSON              COM              478160104      444     5700 SH       SOLE                     3811      114     1775
JOHNSON & JOHNSON              COM              478160104      476     6114 SH       DEFINED                  2062     3777      275
JOHNSON CONTROLS INCORPORATED  COM              478366107        7      125 SH       SOLE                      125
JOHNSON CONTROLS INCORPORATED  COM              478366107      235     4000 SH       DEFINED                  4000
KIMBERLY CLARK                 COM              494368103      148     2535 SH       SOLE                     1930               605
KIMBERLY CLARK                 COM              494368103      141     2421 SH       DEFINED                   735     1456      230
KONINKLIJKE PHILIPS ELECTRONIC COM              500472204      216     1193 SH       SOLE                      481               712
KONINKLIJKE PHILIPS ELECTRONIC COM              500472204       32      181 SH       DEFINED                   135                46
L S I LOGIC CORPORATION        COM              502161102      369     3495 SH       SOLE                     1945              1550
L S I LOGIC CORPORATION        COM              502161102       76      725 SH       DEFINED                   125               600
LILLY ELI & CO                 COM              532457108      350     5630 SH       SOLE                     5494      136
LILLY ELI & CO                 COM              532457108       43      691 SH       DEFINED                    66      625
LUCENT TECHNOLOGIES            COM              549463107     1088    20536 SH       SOLE                    18980              1556
LUCENT TECHNOLOGIES            COM              549463107      749    14144 SH       DEFINED                  9483      661     4000
MCI WORLDCOM INCORPORATED      COM              55268B106    12171   244339 SH       SOLE                   237430              6909
MCI WORLDCOM INCORPORATED      COM              55268B106      232     4674 SH       DEFINED                  2514      930     1230
MARRIOTT INTERNATIONAL INC (NE COM              571903202      541    16900 SH       DEFINED                 16900
MCDONALDS CORP                 COM              580135101      135     3810 SH       SOLE                     3600      210
MCDONALDS CORP                 COM              580135101       71     2020 SH       DEFINED                  2020
MEDTRONIC INCORPORATED         COM              585055106      415     8585 SH       SOLE                     4880              3705
MEDTRONIC INCORPORATED         COM              585055106      153     3173 SH       DEFINED                  1588      685      900
MELLON FINANCIAL CORPORATION   COM              58551A108      276     8767 SH       SOLE                     3105              5662
MELLON FINANCIAL CORPORATION   COM              58551A108       58     1840 SH       DEFINED                    90      470     1280
MERCK & CO INC                 COM              589331107     1118    16208 SH       SOLE                    13356      192     2660
MERCK & CO INC                 COM              589331107     2747    39816 SH       DEFINED                 28921     9180     1715
MICROSOFT CORP                 COM              594918104     1356    12798 SH       SOLE                     7674      184     4940
MICROSOFT CORP                 COM              594918104      780     7364 SH       DEFINED                  5940      429      995
MINNESOTA MINING & MFG. CO.    COM              604059105      285     3315 SH       SOLE                     2190              1125
MINNESOTA MINING & MFG. CO.    COM              604059105       84      980 SH       DEFINED                   550      380       50
MORGAN STANLEY  DEAN WITTER    COM              617446448      259     3888 SH       SOLE                     2358              1530
MORGAN STANLEY  DEAN WITTER    COM              617446448       49      738 SH       DEFINED                   468               270
MOTOROLA INCORPORATED          COM              620076109       97      625 SH       SOLE                      625
MOTOROLA INCORPORATED          COM              620076109      194     1250 SH       DEFINED                   650      400      200
NATIONAL CITY CORP             COM              635405103      758    38040 SH       SOLE                    37080               960
NATIONAL CITY CORP             COM              635405103        3      160 SH       DEFINED                            100       60
NEWELL RUBBERMAID INC          COM              651229106      186     7053 SH       SOLE                     3198              3855
NEWELL RUBBERMAID INC          COM              651229106       48     1850 SH       DEFINED                            520     1330
NOKIA CORPORATION              COM              654902204      346     1720 SH       SOLE                      670              1050
NOKIA CORPORATION              COM              654902204       56      280 SH       DEFINED                             50      230
NORTEL NETWORKS CORPORATION    COM              656569100      274     2235 SH       SOLE                      830              1405
NORTEL NETWORKS CORPORATION    COM              656569100       50      410 SH       DEFINED                    50       40      320
NOVELL, INC.                   COM              670006105      179     4640 SH       SOLE                     3610              1030
NOVELL, INC.                   COM              670006105       46     1205 SH       DEFINED                            145     1060
OMNICOM GROUP INCORPORATED     COM              681919106      834     8655 SH       SOLE                     2680              5975
OMNICOM GROUP INCORPORATED     COM              681919106       82      855 SH       DEFINED                    75      125      655
ORACLE SYSTEMS CORPORATION     COM              68389X105     1145    18384 SH       SOLE                    10150              8234
ORACLE SYSTEMS CORPORATION     COM              68389X105      141     2278 SH       DEFINED                   100      180     1998
PE CORPORATION                 COM              69332S102      179     1120 SH       SOLE                      840               280
PE CORPORATION                 COM              69332S102       42      265 SH       DEFINED                             40      225
PPG INDUSTRIES INCORPORATED    COM              693506107       37      736 SH       SOLE                      670       66
PPG INDUSTRIES INCORPORATED    COM              693506107      228     4520 SH       DEFINED                           4520
PEPSICO INCORPORATED           COM              713448108     1942    56099 SH       SOLE                    55822      223       54
PEPSICO INCORPORATED           COM              713448108      139     4030 SH       DEFINED                  4030
PFIZER INC                     COM              717081103      771    21814 SH       SOLE                    12567      147     9100
PFIZER INC                     COM              717081103     1143    32318 SH       DEFINED                 19858    10820     1640
PHILIP MORRIS CO.              COM              718154107      274    13824 SH       SOLE                    10715              3109
PHILIP MORRIS CO.              COM              718154107       78     3971 SH       DEFINED                  1026     1970      975
PROCTER AND GAMBLE             COM              742718109      338     3700 SH       SOLE                     3700
PROCTER AND GAMBLE             COM              742718109      767     8395 SH       DEFINED                  7325     1070
QUALCOMM INCORPORATED          COM              747525103      347     2540 SH       SOLE                     2505                35
QUALCOMM INCORPORATED          COM              747525103        2       15 SH       DEFINED                             15
RAYMOND JAMES FINANCIAL INC.   COM              754730109    97979  5190976 SH       SOLE                  1828296  3362680
RAYMOND JAMES FINANCIAL INC.   COM              754730109       17      913 SH       DEFINED                   913
SBC COMMUNICATIONS, INC.       COM              78387G103      909    21592 SH       SOLE                    13014      163     8415
SBC COMMUNICATIONS, INC.       COM              78387G103      844    20048 SH       DEFINED                 14159     2068     3821
ST PAUL COMPANIES INC          COM              792860108      896    36585 SH       SOLE                    36490                95
ST PAUL COMPANIES INC          COM              792860108       33     1365 SH       DEFINED                   255      935      175
SCHERING PLOUGH CORP           COM              806605101      674    15553 SH       SOLE                     6805              8748
SCHERING PLOUGH CORP           COM              806605101      154     3568 SH       DEFINED                  1433     1230      905
SIERRA PACIFIC RESOURCES (NEW) COM              826428104      196    14133 SH       SOLE                     5618              8515
SIERRA PACIFIC RESOURCES (NEW) COM              826428104       50     3622 SH       DEFINED                   125     1184     2313
SPRINT CORPORATION (FON GROUP) COM              852061100      216     3353 SH       SOLE                     2953               400
SPRINT CORPORATION (FON GROUP) COM              852061100       12      200 SH       DEFINED                   200
SUN MICROSYSTEMS INC.          COM              866810104     1022    10809 SH       SOLE                     5099              5710
SUN MICROSYSTEMS INC.          COM              866810104      216     2286 SH       DEFINED                   475       91     1720
SYCAMORE NETWORKS INCORPORATED COM              871206108      175      560 SH       SOLE                      250               310
SYCAMORE NETWORKS INCORPORATED COM              871206108       37      120 SH       DEFINED                    25                95
SYSCO CORPORATION              COM              871829107      305     9225 SH       SOLE                     5445              3780
SYSCO CORPORATION              COM              871829107       80     2420 SH       DEFINED                   600      565     1255
TECO ENERGY CORP               COM              872375100     2427   126949 SH       SOLE                   124819              2130
TECO ENERGY CORP               COM              872375100       24     1291 SH       DEFINED                                    1291
TEXAS INSTRUMENTS              COM              882508104      887     6121 SH       SOLE                     2011              4110
TEXAS INSTRUMENTS              COM              882508104       82      571 SH       DEFINED                             46      525
U G I CORP NEW                 COM              902681105      230    11475 SH       SOLE                     4140              7335
U G I CORP NEW                 COM              902681105       55     2765 SH       DEFINED                            835     1930
U S WEST (NEW)                 COM              91273H101      170     2310 SH       SOLE                     1800               510
U S WEST (NEW)                 COM              91273H101      219     2974 SH       DEFINED                  1124     1543      307
VERITAS SOFTWARE COMPANY       COM              923436109      221     1243 SH       SOLE                      939               304
VERITAS SOFTWARE COMPANY       COM              923436109       41      231 SH       DEFINED                             52      179
VODAFONE AIRTOUCH PUBLIC LTD C COM              92857T107      338     6045 SH       SOLE                     2850              3195
VODAFONE AIRTOUCH PUBLIC LTD C COM              92857T107      295     5280 SH       DEFINED                  4880               400
WICOR INC                      COM              929253102      130     4425 SH       SOLE                      915              3510
WICOR INC                      COM              929253102       78     2665 SH       DEFINED                            655     2010
WAL MART STORES INC            COM              931142103      737    12724 SH       SOLE                     6037      192     6495
WAL MART STORES INC            COM              931142103      469     8112 SH       DEFINED                  6874      190     1048
WALDEN RESIDENTIAL PROPERTIES  COM              931210108      121     5350 SH       SOLE                     4150              1200
WALDEN RESIDENTIAL PROPERTIES  COM              931210108       97     4300 SH       DEFINED                           4300
WALGREEN COMPANY               COM              931422109      168     5505 SH       SOLE                     5505
WALGREEN COMPANY               COM              931422109      109     3580 SH       DEFINED                  2700      880
WARNER LAMBERT CO              COM              934488107      191     2048 SH       SOLE                     1968                80
WARNER LAMBERT CO              COM              934488107     3123    33366 SH       DEFINED                 31016     2350
WILLIAMS COMPANIES             COM              969457100      399     9458 SH       SOLE                     3398              6060
WILLIAMS COMPANIES             COM              969457100      122     2902 SH       DEFINED                            890     2012
YAHOO! INCORPORATED            COM              984332106      191      525 SH       SOLE                      200               325
YAHOO! INCORPORATED            COM              984332106       29       80 SH       DEFINED                                      80
</TABLE>


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