RAYMOND JAMES TRUST CO
13F-HR, 2000-10-27
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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: 09/30/00

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:    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    OCTOBER 27, 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:      233

Form 13F Information Table Entry Total:       $209,317



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      287    13158 SH       SOLE                    12013              1145
AT&T                           COM              001957109      285    13066 SH       DEFINED                  8147     3250     1669
ABBOTT LABS                    COM              002824100      786    15400 SH       SOLE                    15400
ABBOTT LABS                    COM              002824100       88     1725 SH       DEFINED                   925      800
ALLTEL CORPORATION             COM              020039103      264     4736 SH       SOLE                     2916              1820
ALLTEL CORPORATION             COM              020039103      107     1926 SH       DEFINED                  1021      240      665
AMERICA ONLINE INCORPORATED    COM              02364J104      458     9815 SH       SOLE                     6086              3729
AMERICA ONLINE INCORPORATED    COM              02364J104      108     2315 SH       DEFINED                   635     1020      660
AMERICAN EXPRESS COMPANY       COM              025816109      868    15949 SH       SOLE                    10979              4970
AMERICAN EXPRESS COMPANY       COM              025816109      108     2000 SH       DEFINED                   360      420     1220
AMERICAN HOME PRODUCTS         COM              026609107      618     9748 SH       SOLE                     7553              2195
AMERICAN HOME PRODUCTS         COM              026609107      234     3700 SH       DEFINED                  2845      120      735
AMERICAN INTERNATIONAL GROUP   COM              026874107     1614    17302 SH       SOLE                     7787              9515
AMERICAN INTERNATIONAL GROUP   COM              026874107      444     4763 SH       DEFINED                  1621     1742     1400
AMERICAN WATER WORKS INC       COM              030411102      188     8035 SH       SOLE                     3185              4850
AMERICAN WATER WORKS INC       COM              030411102       65     2810 SH       DEFINED                   500      480     1830
AMGEN INC                      COM              031162100      420     6145 SH       SOLE                     4015       75     2055
AMGEN INC                      COM              031162100       75     1106 SH       DEFINED                    60      226      820
ANHEUSER BUSCH COS INC         COM              035229103      455    10836 SH       SOLE                     6386              4450
ANHEUSER BUSCH COS INC         COM              035229103      298     7115 SH       DEFINED                  5025      965     1125
APPLIED MATERIALS INCORPORATED COM              038222105      194     3660 SH       SOLE                     2515      435      710
APPLIED MATERIALS INCORPORATED COM              038222105      102     1935 SH       DEFINED                   450     1115      370
AUTOMATIC DATA PROC            COM              053015103      120     1903 SH       SOLE                     1769      134
AUTOMATIC DATA PROC            COM              053015103      284     4484 SH       DEFINED                  4250       89      145
BP AMOCO PLC ADS (U.K.)        COM              055622104     1095    21076 SH       SOLE                    14270      140     6666
BP AMOCO PLC ADS (U.K.)        COM              055622104      476     9154 SH       DEFINED                  6896      618     1640
BANK OF AMERICA CORPORATION    COM              060505104      190     4398 SH       SOLE                     4226      172
BANK OF AMERICA CORPORATION    COM              060505104       52     1204 SH       DEFINED                   694      510
BANK OF NEW YORK INCORPORATED  COM              064057102      178     3420 SH       SOLE                     3080       55      285
BANK OF NEW YORK INCORPORATED  COM              064057102      158     3035 SH       DEFINED                  2680      215      140
BAXTER INTL INC                COM              071813109      251     3215 SH       SOLE                     2070       70     1075
BAXTER INTL INC                COM              071813109       58      745 SH       DEFINED                   280      340      125
BELLSOUTH CORP                 COM              079860102      739    16613 SH       SOLE                    12476      184     3953
BELLSOUTH CORP                 COM              079860102      534    12015 SH       DEFINED                  7205     3390     1420
BOEING COMPANY                 COM              097023105      241     3824 SH       SOLE                     3824
BOEING COMPANY                 COM              097023105       63     1000 SH       DEFINED                            900      100
BRISTOL MYERS SQUIBB CO        COM              110122108      988    15785 SH       SOLE                    11670              4115
BRISTOL MYERS SQUIBB CO        COM              110122108      201     3225 SH       DEFINED                   585     1705      935
BROADCOM CORPORATION CLASS A   COM              111320107      474     2215 SH       SOLE                     1580       25      610
BROADCOM CORPORATION CLASS A   COM              111320107       94      440 SH       DEFINED                    50       95      295
CHASE MANHATTAN CORPORATION (N COM              16161A108      250     6273 SH       SOLE                     3491      216     2566
CHASE MANHATTAN CORPORATION (N COM              16161A108      107     2691 SH       DEFINED                  1377      862      452
CHEVRON CORP                   COM              166751107      172     2107 SH       SOLE                     1983       72       52
CHEVRON CORP                   COM              166751107      142     1741 SH       DEFINED                   475     1266
CISCO SYSTEMS INCORPORATED     COM              17275R102     2294    42844 SH       SOLE                    22746      750    19348
CISCO SYSTEMS INCORPORATED     COM              17275R102      372     6952 SH       DEFINED                  1876     1516     3560
CITIGROUP INCORPORATED         COM              172967101     1640    33483 SH       SOLE                    21818       80    11585
CITIGROUP INCORPORATED         COM              172967101      279     5701 SH       DEFINED                  2419     1293     1989
COCA COLA CO                   COM              191216100      392     6685 SH       SOLE                     4685              2000
COCA COLA CO                   COM              191216100      272     4644 SH       DEFINED                  3550      875      219
COLGATE PALMOLIVE COMPANY      COM              194162103      119     2144 SH       SOLE                     2144
COLGATE PALMOLIVE COMPANY      COM              194162103      205     3702 SH       DEFINED                  3150      425      127
COMPAQ COMPUTER CORPORATION    COM              204493100      190     6365 SH       SOLE                     3119      136     3110
COMPAQ COMPUTER CORPORATION    COM              204493100       64     2154 SH       DEFINED                   394     1000      760
COOPER INDUSTRIES, INC.        COM              216669101      540    15219 SH       SOLE                    15219
CORNING INC                    COM              219350105      413     5907 SH       SOLE                     5742               165
COSTCO WHOLESALE CORP          COM              22160K105      180     5475 SH       SOLE                     3260              2215
COSTCO WHOLESALE CORP          COM              22160K105       20      625 SH       DEFINED                                     625
DEERE & COMPANY                COM              244199105      178     5296 SH       SOLE                     1530       76     3690
DEERE & COMPANY                COM              244199105      104     3105 SH       DEFINED                  1600      400     1105
DELL COMPUTER CORPORATION      COM              247025109      232     8395 SH       SOLE                     3525              4870
DELL COMPUTER CORPORATION      COM              247025109       47     1705 SH       DEFINED                  1575      130
DISNEY WALT CO                 COM              254687106      209     5975 SH       SOLE                     5975
DISNEY WALT CO                 COM              254687106      134     3820 SH       DEFINED                  1370     2115      335
THE DOW CHEMICAL COMPANY       COM              260543103      343    12859 SH       SOLE                    12859
THE DOW CHEMICAL COMPANY       COM              260543103       49     1870 SH       DEFINED                   520      450      900
DU PONT E I DE NEMOURS & CO    COM              263534109      244     5822 SH       SOLE                     3745      122     1955
DU PONT E I DE NEMOURS & CO    COM              263534109      264     6313 SH       DEFINED                  4716     1440      157
DUKE ENERGY CORPORATION        COM              264399106      200     2467 SH       SOLE                     2467
DUKE ENERGY CORPORATION        COM              264399106       95     1175 SH       DEFINED                   200      975
E M C CORPORATION              COM              268648102     1337    15548 SH       SOLE                    10532       50     4966
E M C CORPORATION              COM              268648102      252     2938 SH       DEFINED                   385     1075     1478
ELAN CORPORATION PLC ADRS (IRE COM              284131208      253     4760 SH       SOLE                     3485      105     1170
ELAN CORPORATION PLC ADRS (IRE COM              284131208       67     1270 SH       DEFINED                   105      760      405
ELECTRONIC DATA SYSTEMS CORP   COM              285661104      243     5423 SH       SOLE                     2833              2590
ELECTRONIC DATA SYSTEMS CORP   COM              285661104       54     1218 SH       DEFINED                   123      305      790
EMERSON ELECTRIC COMPANY       COM              291011104      288     4195 SH       SOLE                     3705               490
EMERSON ELECTRIC COMPANY       COM              291011104      112     1645 SH       DEFINED                   865      585      195
ENRON CORPORATION              COM              293561106      161     2080 SH       SOLE                     2064                16
ENRON CORPORATION              COM              293561106      194     2512 SH       DEFINED                            600     1912
EXXON MOBIL CORPORATION        COM              30231G102     2704    30823 SH       SOLE                    26364      263     4196
EXXON MOBIL CORPORATION        COM              30231G102     1303    14851 SH       DEFINED                  7049     6590     1212
FEDERAL NATL MTG ASSN          COM              313586109      319     4304 SH       SOLE                     4304
FEDERAL NATL MTG ASSN          COM              313586109       77     1040 SH       DEFINED                   190      770       80
FIRST AUSTRALIA PRIME INCOME F COM              318653102       91    23493 SH       SOLE                    23493
FIRST AUSTRALIA PRIME INCOME F COM              318653102       11     3000 SH       DEFINED                           3000
FIRST UNION CORPORATION        COM              337358105      201     7155 SH       SOLE                     7155
FIRST UNION CORPORATION        COM              337358105       60     2153 SH       DEFINED                  1153     1000
FLORIDA PROGRESS CORP          COM              341109106       65     1235 SH       SOLE                     1175                60
FLORIDA PROGRESS CORP          COM              341109106      163     3100 SH       DEFINED                  3100
FORD MOTOR COMPANY (NEW)       COM              345370860      240     9583 SH       SOLE                     6202      103     3278
FORD MOTOR COMPANY (NEW)       COM              345370860      105     4203 SH       DEFINED                   859     2423      921
GENERAL ELECTRIC CO            COM              369604103     3449    66168 SH       SOLE                    52501      297    13370
GENERAL ELECTRIC CO            COM              369604103     3309    63500 SH       DEFINED                 44110    14438     4952
GENERAL MOTORS CORPORATION CLA COM              370442832      172     5606 SH       SOLE                     2172              3434
GENERAL MOTORS CORPORATION CLA COM              370442832       46     1512 SH       DEFINED                   234      492      786
GOLDMAN SACHS GROUP INCORPORAT COM              38141G104      184     1990 SH       SOLE                      945              1045
GOLDMAN SACHS GROUP INCORPORAT COM              38141G104       29      320 SH       DEFINED                    50       75      195
GUIDANT CORPORATION            COM              401698105      552     9874 SH       SOLE                     5083              4791
GUIDANT CORPORATION            COM              401698105       59     1070 SH       DEFINED                   300      170      600
H C A THE HEALTHCARE COMPANY   COM              404119109      196     4900 SH       SOLE                     1205              3695
H C A THE HEALTHCARE COMPANY   COM              404119109       36      900 SH       DEFINED                                     900
H J HEINZ CO                   COM              423074103      345     8379 SH       SOLE                     5309      105     2965
H J HEINZ CO                   COM              423074103      126     3065 SH       DEFINED                  1215      935      915
HEWLETT PACKARD CO             COM              428236103      248     2895 SH       SOLE                     2790               105
HEWLETT PACKARD CO             COM              428236103      167     1950 SH       DEFINED                   630     1225       95
HOME DEPOT INC                 COM              437076102      958    24621 SH       SOLE                    14220             10401
HOME DEPOT INC                 COM              437076102      473    12157 SH       DEFINED                  5903     4397     1857
HONEYWELL INTERNATIONAL INC    COM              438516106      326     6247 SH       SOLE                     2607              3640
HONEYWELL INTERNATIONAL INC    COM              438516106      163     3138 SH       DEFINED                  1312      625     1201
IDEC PHARMACEUTICALS CORPORATI COM              449370105      552     2905 SH       SOLE                     1660       45     1200
IDEC PHARMACEUTICALS CORPORATI COM              449370105      116      615 SH       DEFINED                    45      140      430
INTEL CORPORATION              COM              458140100     1012    22653 SH       SOLE                    17438      550     4665
INTEL CORPORATION              COM              458140100      564    12640 SH       DEFINED                  7810     2930     1900
INTL BUSINESS MACHS CORP       COM              459200101      532     5741 SH       SOLE                     4143              1598
INTL BUSINESS MACHS CORP       COM              459200101      138     1497 SH       DEFINED                  1151      134      212
INTERNATIONAL PAPER COMPANY    COM              460146103      169     5034 SH       SOLE                     2234              2800
INTERNATIONAL PAPER COMPANY    COM              460146103      169     5018 SH       DEFINED                    60     4508      450
INTIMATE BRANDS INCORPORATED   COM              461156101      149     7473 SH       SOLE                     2481              4992
INTIMATE BRANDS INCORPORATED   COM              461156101       60     3026 SH       DEFINED                   550      648     1828
JDS UNIPHASE CORPORATION       COM              46612J101      605     8131 SH       SOLE                     5330       35     2766
JDS UNIPHASE CORPORATION       COM              46612J101      104     1400 SH       DEFINED                   186      290      924
JOHNSON & JOHNSON              COM              478160104      552     5934 SH       SOLE                     4920      114      900
JOHNSON & JOHNSON              COM              478160104      391     4204 SH       DEFINED                  1704     2200      300
JOHNSON CONTROLS INCORPORATED  COM              478366107       16      275 SH       SOLE                      275
JOHNSON CONTROLS INCORPORATED  COM              478366107      235     4000 SH       DEFINED                  4000
KIMBERLY CLARK                 COM              494368103      130     2080 SH       SOLE                     1150               930
KIMBERLY CLARK                 COM              494368103      142     2281 SH       DEFINED                   685     1346      250
KONINKLIJKE PHILIPS ELECTRONIC COM              500472303      208     5451 SH       SOLE                     2344              3107
KONINKLIJKE PHILIPS ELECTRONIC COM              500472303       60     1587 SH       DEFINED                            836      751
LILLY ELI & CO                 COM              532457108      210     2401 SH       SOLE                     2265      136
LILLY ELI & CO                 COM              532457108       54      625 SH       DEFINED                            625
LUCENT TECHNOLOGIES            COM              549463107      367    17429 SH       SOLE                    16820               609
LUCENT TECHNOLOGIES            COM              549463107      279    13276 SH       DEFINED                  8465      571     4240
MARRIOTT INTERNATIONAL INC (NE COM              571903202      606    16900 SH       DEFINED                 16900
MCDONALDS CORP                 COM              580135101      252     8725 SH       SOLE                     7205      210     1310
MCDONALDS CORP                 COM              580135101       59     2065 SH       DEFINED                  1820       70      175
MCGRAW HILL INC                COM              580645109      177     2945 SH       SOLE                     1275              1670
MCGRAW HILL INC                COM              580645109       93     1555 SH       DEFINED                   190      670      695
MEDIMMUNE INCORPORATED         COM              584699102      163     2685 SH       SOLE                     2075       60      550
MEDIMMUNE INCORPORATED         COM              584699102       37      610 SH       DEFINED                    60      175      375
MEDTRONIC INCORPORATED         COM              585055106      551    10677 SH       SOLE                     6591              4086
MEDTRONIC INCORPORATED         COM              585055106      164     3195 SH       DEFINED                  1715      430     1050
MELLON FINANCIAL CORPORATION   COM              58551A108      353     8302 SH       SOLE                     3950              4352
MELLON FINANCIAL CORPORATION   COM              58551A108       78     1850 SH       DEFINED                   370      260     1220
MERCK & CO INC                 COM              589331107     1572    18145 SH       SOLE                    16597      192     1356
MERCK & CO INC                 COM              589331107      958    11055 SH       DEFINED                  3895     5720     1440
MERRILL LYNCH & COMPANY INCORP COM              590188108      409     6655 SH       SOLE                     3815       90     2750
MERRILL LYNCH & COMPANY INCORP COM              590188108       58      955 SH       DEFINED                    70      290      595
MICROSOFT CORP                 COM              594918104     1008    15648 SH       SOLE                    10424      184     5040
MICROSOFT CORP                 COM              594918104      584     9065 SH       DEFINED                  6295     1730     1040
MINNESOTA MINING & MFG. CO.    COM              604059105      420     4560 SH       SOLE                     2420              2140
MINNESOTA MINING & MFG. CO.    COM              604059105      141     1540 SH       DEFINED                   425      525      590
MORGAN STANLEY  DEAN WITTER    COM              617446448      359     4648 SH       SOLE                     2783       50     1815
MORGAN STANLEY  DEAN WITTER    COM              617446448      101     1310 SH       DEFINED                   270      355      685
MOTOROLA INCORPORATED          COM              620076109      202     9295 SH       SOLE                     7505              1790
MOTOROLA INCORPORATED          COM              620076109      137     6320 SH       DEFINED                  2100     2425     1795
NATIONAL CITY CORP             COM              635405103      767    39635 SH       SOLE                    37520              2115
NATIONAL CITY CORP             COM              635405103        3      190 SH       DEFINED                            100       90
NOKIA CORPORATION              COM              654902204      321     8345 SH       SOLE                     4212              4133
NOKIA CORPORATION              COM              654902204      131     3410 SH       DEFINED                    90     2355      965
NORTEL NETWORKS CORP (HOLDING  COM              656568102      524    11549 SH       SOLE                     6280       60     5209
NORTEL NETWORKS CORP (HOLDING  COM              656568102      113     2495 SH       DEFINED                   460      770     1265
OMNICOM GROUP INCORPORATED     COM              681919106      486     5665 SH       SOLE                     2120              3545
OMNICOM GROUP INCORPORATED     COM              681919106       84      980 SH       DEFINED                   125      225      630
ORACLE SYSTEMS CORPORATION     COM              68389X105      754    22152 SH       SOLE                    14680       90     7382
ORACLE SYSTEMS CORPORATION     COM              68389X105      117     3444 SH       DEFINED                   150      300     2994
PE CORPORATION                 COM              69332S102      351     3270 SH       SOLE                     2355       45      870
PE CORPORATION                 COM              69332S102       73      685 SH       DEFINED                    60      170      455
PMC SIERRA INCORPORATED        COM              69344F106      199     1163 SH       SOLE                      730       25      408
PMC SIERRA INCORPORATED        COM              69344F106       28      165 SH       DEFINED                    45       70       50
PEPSICO INCORPORATED           COM              713448108     2676    56954 SH       SOLE                    56677      223       54
PEPSICO INCORPORATED           COM              713448108       29      630 SH       DEFINED                   630
PFIZER INC                     COM              717081103     1365    30098 SH       SOLE                    19233      222    10643
PFIZER INC                     COM              717081103     1371    30216 SH       DEFINED                 21211     6995     2010
PHARMACIA CORPORATION          COM              71713U102      486     8725 SH       SOLE                     4316              4409
PHARMACIA CORPORATION          COM              71713U102      151     2717 SH       DEFINED                  1180      479     1058
PHILIP MORRIS CO.              COM              718154107      298     8295 SH       SOLE                     7985               310
PHILIP MORRIS CO.              COM              718154107       79     2195 SH       DEFINED                   695     1500
PHILIPS PETROLEUM              COM              718507106      180     2940 SH       SOLE                     2380               560
PHILIPS PETROLEUM              COM              718507106       40      660 SH       DEFINED                   600       30       30
PROCTER AND GAMBLE             COM              742718109      472     6304 SH       SOLE                     5500               804
PROCTER AND GAMBLE             COM              742718109      837    11174 SH       DEFINED                  9944     1035      195
QWEST COMMUNICATIONS           COM              749121109      335     6871 SH       SOLE                     3895              2976
QWEST COMMUNICATIONS           COM              749121109      363     7433 SH       DEFINED                  1835     4144     1454
RAYMOND JAMES FINANCIAL INC.   COM              754730109   123818  4084676 SH       SOLE                   721996  3362680
RAYMOND JAMES FINANCIAL INC.   COM              754730109       34     1138 SH       DEFINED                  1138
SBC COMMUNICATIONS, INC.       COM              78387G103     1173    21549 SH       SOLE                    13877      163     7509
SBC COMMUNICATIONS, INC.       COM              78387G103     1082    19889 SH       DEFINED                 14075     1798     4016
ST PAUL COMPANIES INC          COM              792860108     1754    36462 SH       SOLE                    36462
ST PAUL COMPANIES INC          COM              792860108        7      165 SH       DEFINED                   165
SCHERING PLOUGH CORP           COM              806605101      417     7935 SH       SOLE                     3110              4825
SCHERING PLOUGH CORP           COM              806605101      174     3310 SH       DEFINED                  1100     1285      925
SCHWAB CHARLES CORPORATION (NE COM              808513105      275     8921 SH       SOLE                     5114              3807
SCHWAB CHARLES CORPORATION (NE COM              808513105       29      943 SH       DEFINED                   404      314      225
SIERRA PACIFIC RESOURCES (NEW) COM              826428104      168    10306 SH       SOLE                     4550              5756
SIERRA PACIFIC RESOURCES (NEW) COM              826428104       61     3743 SH       DEFINED                  1025      640     2078
SOUTHERN CO                    COM              842587107      109     3850 SH       SOLE                     3850
SOUTHERN CO                    COM              842587107      106     3763 SH       DEFINED                  1491     1000     1272
STATE STREET CORP              COM              857477103      195     1671 SH       SOLE                     1671
STATE STREET CORP              COM              857477103        8       71 SH       DEFINED                             25       46
SUN MICROSYSTEMS INC.          COM              866810104      763     7490 SH       SOLE                     4104       40     3346
SUN MICROSYSTEMS INC.          COM              866810104      226     2223 SH       DEFINED                   610      216     1397
SYSCO CORPORATION              COM              871829107      374     7550 SH       SOLE                     4100              3450
SYSCO CORPORATION              COM              871829107       73     1485 SH       DEFINED                   280      310      895
TEXAS INSTRUMENTS              COM              882508104      526    11909 SH       SOLE                     5836       60     6013
TEXAS INSTRUMENTS              COM              882508104       60     1372 SH       DEFINED                   100      222     1050
TIME WARNER INC                COM              887315109      198     2820 SH       SOLE                     1732              1088
TIME WARNER INC                COM              887315109       47      675 SH       DEFINED                    99      173      403
TYCO INTERNATIONAL LIMITED (NE COM              902124106      237     4349 SH       SOLE                     4000               349
TYCO INTERNATIONAL LIMITED (NE COM              902124106       47      874 SH       DEFINED                   432      247      195
U G I CORP NEW                 COM              902681105      176     8135 SH       SOLE                     3775              4360
U G I CORP NEW                 COM              902681105       54     2535 SH       DEFINED                            705     1830
VERITAS SOFTWARE COMPANY       COM              923436109      636     4830 SH       SOLE                     3309       40     1481
VERITAS SOFTWARE COMPANY       COM              923436109      135     1028 SH       DEFINED                   235      205      588
VERIZON COMMUNICATIONS         COM              92343V104     1161    22772 SH       SOLE                    16854      164     5754
VERIZON COMMUNICATIONS         COM              92343V104      904    17733 SH       DEFINED                  5857     9801     2075
VIACOM INC                     COM              925524308      266     4940 SH       SOLE                     3644       80     1216
VIACOM INC                     COM              925524308       37      690 SH       DEFINED                    60      205      425
VODAFONE GROUP PLC             COM              92857W100      255     6497 SH       SOLE                     5337              1160
VODAFONE GROUP PLC             COM              92857W100      186     4740 SH       DEFINED                  4340               400
WAL MART STORES INC            COM              931142103      542    12483 SH       SOLE                     6585      192     5706
WAL MART STORES INC            COM              931142103      339     7823 SH       DEFINED                  6265      365     1193
WALGREEN COMPANY               COM              931422109      231     5545 SH       SOLE                     5545
WALGREEN COMPANY               COM              931422109      140     3355 SH       DEFINED                  2400      800      155
WASHINGTON MUTUAL SAVINGS BANK COM              939322103      127     2905 SH       SOLE                     2055               850
WASHINGTON MUTUAL SAVINGS BANK COM              939322103      142     3265 SH       DEFINED                   145     3060       60
WATERS CORPORATION             COM              941848103      278     4245 SH       SOLE                     3045       80     1120
WATERS CORPORATION             COM              941848103       62      955 SH       DEFINED                    80      220      655
WILLIAMS COMPANIES             COM              969457100      295     7658 SH       SOLE                     3073              4585
WILLIAMS COMPANIES             COM              969457100      107     2773 SH       DEFINED                   275      590     1908
WORLDCOM INCORPORATED          COM              98157D106      119     5497 SH       SOLE                     5285               212
WORLDCOM INCORPORATED          COM              98157D106       85     3914 SH       DEFINED                  2379     1437       98
</TABLE>


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