PEOPLES MUTUAL HOLDINGS
13F-HR, 1999-11-12
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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: 9/30/99

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:    People's Mutual Holdings
ADDRESS: 850 Main Street
         Bridgeport, ct 06604

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:  George W. Morriss
TITLE:
PHONE: (203) 338-2512


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.



       /s/ George W. Morriss
       Bridgeport, Ct
       11/12/99

<PAGE>
                              FORM 13F SUMMARY PAGE


REPORT SUMMARY:

NUMBER OF OTHER INCLUDED MANAGERS:                        2

FORM 13F INFORMATION TABLE ENTRY TOTAL:               1,178

FORM 13F INFORMATION TABLE VALUE TOTAL:            $785,421

List of other included managers:

No.      Form 13F File Number         Name
001      28-20631                     People's Bank
002      28-06454                     Olson Mobeck & Associates, Inc.

<PAGE>

<TABLE>
                                                                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>      <C>      <C>
D  3 COMMON CORP.              COMMON           885535104     1006    35000  SH      SOLE             001    35000        0       0
D  3 COMMON CORP.              COMMON           885535104        3      100  SH      DEFINED          001      100        0       0
D  3 COMMON CORP.              COMMON           885535104       37     1300  SH      OTHER            001     1300        0       0
D  ABBOTT LABORATORIES INC     COMMON           000282410     1647    44900  SH      OTHER            002        0        0   44900
D  ABBOTT LABORATORIES INC     COMMON           000282410     1651    45002  SH      DEFINED          002        0    45002       0
D  ABBOTT LABS                 COMMON           002824100      574    15650  SH      DEFINED          001    15650        0       0
D  ABBOTT LABS                 COMMON           002824100      301     8200  SH      OTHER            001     8200        0       0
D  ABBOTT LABS                 COMMON           002824100      917    25000  SH      SOLE             001    25000        0       0
D  ACE LIMITED                 COMMON           G0070K103     1186    70000  SH      SOLE             001    70000        0       0
D  ACE LIMITED                 COMMON           G0070K103        3      200  SH      DEFINED          001      200        0       0
D  ACME COMMONMUNICATIONS, INC COMMON           004631107      155     5000  SH      SOLE             001     5000        0       0
D  ACME UTD CORP               COMMON           004816104      473   315192  SH      DEFINED          001   315192        0       0
D  ACNIELSEN CORP              COMMON           004833109       12      533  SH      OTHER            001      533        0       0
D  AETNA INS                   COMMON           008117103        7      100  SH      SOLE                      100        0       0
D  AETNA INC                   COMMON           008117103      493    10000  SH      SOLE             001    10000        0       0
D  AETNA INC                   COMMON           008117103     1130    22950  SH      DEFINED          001    22800        0     150
D  AETNA INC                   COMMON           008117103       60     1225  SH      OTHER            001     1225        0       0
D  AETNA INC                   COMMON           008117103      227     4610  SH      OTHER            002        0        0    4610
D  AETNA INC                   COMMON           008117103       37      746  SH      DEFINED          002        0      746       0
D  AFLAC INC                   COMMON           001055102      220     5250  SH      OTHER            001     5250        0       0
D  AIR PRODS & CHEMS INC       COMMON           009158106        6      200  SH      DEFINED          001      200        0       0
D  ALASKA AIRGROUP INC         COMMON           011659109      610    15000  SH      SOLE             001    15000        0       0
D  ALBERTSONS INC              COMMON           013104104     1495    37800  SH      DEFINED          001    37525        0     275
D  ALBERTSONS INC              COMMON           013104104      104     2625  SH      OTHER            001     2625        0       0
D  ALBERTSONS INC              COMMON           013104104      623    15750  SH      SOLE             001    15750        0       0
D  ALBERTSONS INC              COMMON           013104104      115     2900  SH      OTHER            002        0        0    2900
D  ALBERTSONS INC              COMMON           013104104      289     7300  SH      DEFINED          002        0     7300       0
D  ALCOA INC                   COMMON           013817101      244     3932  SH      DEFINED          001     3932        0       0
D  ALCOA INC                   COMMON           013817101      137     2200  SH      OTHER            001     2200        0       0
D  ALLEGHENY ENERGY INC        COMMON           017361106       41     1293  SH      OTHER            001     1293        0       0
D  ALLEGHENY ENERGY INC        COMMON           017361106      121     3800  SH      OTHER            002        0        0    3800
D  ALLEGHENY ENERGY INC        COMMON           017361106      170     5332  SH      DEFINED          002        0     5332       0
D  ALLIANCE WORLD DLR GOVTFDII OTHER            01879R106      133    15000  SH      OTHER            001     N.A.     N.A.    N.A.
D  ALLIEDSIGNAL INC            COMMON           019512102      235     3925  SH      DEFINED          001     3925        0       0
D  ALLIEDSIGNAL INC            COMMON           019512102      360     6000  SH      OTHER            001     6000        0       0
D  ALLIEDSIGNAL INC            COMMON           019512102      110     1840  SH      OTHER            002        0        0    1840
D  ALLIEDSIGNAL INC            COMMON           019512102      198     3300  SH      DEFINED          002        0     3300       0
D  ALLSTATE CORP               COMMON           020002101        5      184  SH      OTHER            001      184        0       0
D  ALLTEL CORP                 COMMON           020039103       72     1019  SH      DEFINED          001     1019        0       0
D  ALLTEL CORP                 COMMON           020039103        9      129  SH      OTHER            001      129        0       0
D  ALTERA CORP                 COMMON           021441100       10      240  SH      DEFINED          001      240        0       0
D  ALZA CORP                   COMMON           022615108       26      600  SH      DEFINED          001        0        0     600
D  AMERADA HESS CORP           COMMON           023551104       25      410  SH      OTHER            001      410        0       0
D  AMEREN CORP                 COMMON           023608102       53     1400  SH      OTHER            001     1400        0       0
D  AMERICA ONLINE INC          COMMON           02364J104       37      355  SH      DEFINED          001      355        0       0
D  AMERICA ONLINE INC          COMMON           02364J104      156     1500  SH      OTHER            001     1500        0       0
D  AMERICA ONLINE INC          COMMON           02364J104       78      750  SH      OTHER            002        0        0     750
D  AMERICA ONLINE INC          COMMON           02364J104      250     2400  SH      DEFINED          002        0     2400       0
D  AMERICAN ANNUITY GROUP INC  COMMON           023840101        1       66  SH      OTHER            001       66        0       0
D  AMERICAN BANK CONN          COMMON           002432710     1523    69800  SH      OTHER            002        0        0   69800
D  AMERICAN ELEC PWR INC       COMMON           025537101       61     1797  SH      DEFINED          001     1597        0     200
D  AMERICAN ELEC PWR INC       COMMON           025537101       92     2700  SH      OTHER            001     2700        0       0
D  AMERICAN EXPRESS CO         COMMON           025816109      827     6127  SH      DEFINED          001     6127        0       0
D  AMERICAN EXPRESS CO         COMMON           025816109      565     4183  SH      OTHER            001     4183        0       0
D  AMERICAN EXPRESS CO         COMMON           025816109      689     5100  SH      OTHER            002        0        0    5100
D  AMERICAN EXPRESS CO         COMMON           025816109     2091    15488  SH      DEFINED          002        0    15488       0
D  AMERICAN GEN CORP 7.00%     PREFERRED STOCK  026351809      107     2000  SH      DEFINED          001     N.A.     N.A.    N.A.
D  AMERICAN GENERAL CORP       COMMON           026351106      446     7048  SH      DEFINED          002        0     7048       0
D  AMERICAN HOME PRODS CORP    COMMON           026609107     2147    51725  SH      DEFINED          001    51725        0       0
D  AMERICAN HOME PRODS CORP    COMMON           026609107     1162    28007  SH      OTHER            001    28007        0       0
D  AMERICAN HOME PRODS CORP    COMMON           026609107     1368    32955  SH      OTHER            002        0        0   32955
D  AMERICAN HOME PRODS CORP    COMMON           026609107     1719    41426  SH      DEFINED          002        0    41426       0
D  AMERICAN INTL GROUP INC     COMMON           026874107     3544    40768  SH      DEFINED          001    40768        0       0
D  AMERICAN INTL GROUP INC     COMMON           026874107     1653    19014  SH      OTHER            001    19014        0       0
D  AMERICAN INTL GROUP INC     COMMON           026874107     4347    49999  SH      OTHER            002        0        0   49999
D  AMERICAN INTL GROUP INC     COMMON           026874107     9091   104566  SH      DEFINED          002        0   104566       0
D  AMERICAN POWER CONVERSION   COMMON           029066107     1051    55326  SH      OTHER            002        0        0   55326
D  AMERICAN POWER CONVERSION   COMMON           029066107     1729    91000  SH      DEFINED          002        0    91000       0
D  AMERICAN STANDARD COS       COMMON           029712106       12      300  SH      DEFINED          001      300        0       0
D  AT&T CORP                   COMMON           001957109     2175    50000  SH      SOLE             001    50000        0       0
D  AT&T CORP                   COMMON           001957109     3103    71328  SH      DEFINED          001    69516        0    1812
D  AT&T CORP                   COMMON           001957109     1443    33180  SH      OTHER            001    33030        0     150
D  AT&T CORP                   COMMON           001957109      869    19980  SH      OTHER            002        0        0   19980
D  AT&T CORP                   COMMON           001957109     1633    37547  SH      DEFINED          002        0    37547       0
D  AMERICAN WTR WKS INC        COMMON           030411102       12      404  SH      DEFINED          001      404        0       0
D  AMERITECH CORP NEW          COMMON           030954101      735    11016  SH      DEFINED          001     9716        0    1300
D  AMERITECH CORP NEW          COMMON           030954101      375     5616  SH      OTHER            001     5616        0       0
D  AMERITECH CORP NEW          COMMON           030954101      494     7398  SH      OTHER            002        0        0    7398
D  AMERITECH CORP NEW          COMMON           030954101      621     9308  SH      DEFINED          002        0     9308       0
D  AMFM INC                    COMMON           001693100     1215    20000  SH      SOLE             001    20000        0       0
D  AMGEN INC                   COMMON           031162100      990    12150  SH      DEFINED          001    12150        0       0
D  AMGEN INC                   COMMON           031162100      355     4350  SH      OTHER            001     4350        0       0
D  AMGEN INC                   COMMON           031162100       82     1000  SH      OTHER            002        0        0    1000
D  AMGEN INC                   COMMON           031162100      526     6450  SH      DEFINED          002        0     6450       0
D  AMR CORP DEL                COMMON           001765106        7      125  SH      DEFINED          001      125        0       0
D  ANADARKO PETROLEUM          COMMON           032511107      458    15000  SH      SOLE             001    15000        0       0
D  ANHEUSER BUSCH              COMMON           035229103     1401    20000  SH      SOLE             001    20000        0       0
D  ANHEUSER BUSCH              COMMON           035229103     1949    27825  SH      DEFINED          001    27825        0       0
D  ANHEUSER BUSCH              COMMON           035229103     1237    17655  SH      OTHER            001    17555        0     100
D  ANHEUSER BUSCH              COMMON           035229103      883    12600  SH      DEFINED          002        0    12600       0
D  AON CORP                    COMMON           037389103      253     8550  SH      OTHER            002        0        0    8550
D  AON CORP                    COMMON           037389103      122     4125  SH      DEFINED          002        0     4125       0
D  APACHE CORP                 COMMON           037411105       10      240  SH      OTHER            001      240        0       0
D  APOGEE ENTERPRISES INC      COMMON           037598109       13     1866  SH      OTHER            001     1866        0       0
D  APPLIED MATERIALS           COMMON           038222105      971    12500  SH      SOLE             001    12500        0       0
D  APPLIED MATERIALS           COMMON           038222105       79     1022  SH      OTHER            001     1022        0       0
D  AQUARION CO                 COMMON           03838W101      168     4691  SH      DEFINED          001     4691        0       0
D  AQUARION CO                 COMMON           03838W101      414    11548  SH      OTHER            001    11548        0       0
D  ARCHER DANIELS MIDLAND CO   COMMON           039483102        5      420  SH      OTHER            001      420        0       0
D  ARMCO INC                   COMMON           042170100        7     1000  SH      DEFINED          001     1000        0       0
D  ARMCO INC                   COMMON           042170100       18     2500  SH      OTHER            001     2500        0       0
D  ARVIN INDS INC              COMMON           043339100       12      400  SH      OTHER            001      400        0       0
D  ASSOCIATES FIRST CAPITAL CO COMMON           046008108       30      836  SH      OTHER            001      836        0       0
D  ASSOCIATES FIRST CAPITAL CO COMMON           046008108      413    11482  SH      OTHER            002        0        0   11482
D  ASSOCIATES FIRST CAPITAL CO COMMON           046008108      364    10124  SH      DEFINED          002        0    10124       0
D  ASTRAZENCA                  COMMON           046353108      211     5000  SH      SOLE             001     5000        0       0
D  AT HOME CORP.               COMMON           045919107      166     4000  SH      SOLE             001     4000        0       0
D  LIBERTY MEDIA               COMMON           001957208       75     2000  SH      OTHER            001     2000        0       0
D  ATLANTIC RICHFIELD CO       COMMON           048825103      253     2860  SH      DEFINED          001     2860        0       0
D  ATLANTIC RICHFIELD CO       COMMON           048825103      479     5400  SH      OTHER            001     5400        0       0
D  ATLANTIC RICHFIELD CO       COMMON           048825103      160     1800  SH      OTHER            002        0        0    1800
D  ATLANTIC RICHFIELD CO       COMMON           048825103     1133    12780  SH      DEFINED          002        0    12780       0
D  AUTOMATIC DATA PROCESSING   COMMON           053015103       94     2100  SH      DEFINED          001     2100        0       0
D  AUTOMATIC DATA PROCESSING   COMMON           053015103      303     6795  SH      OTHER            001     6795        0       0
D  AUTOMATIC DATA PROCESSING   COMMON           053015103     1129    25300  SH      OTHER            002        0        0   25300
D  AUTOMATIC DATA PROCESSING   COMMON           053015103     1687    37800  SH      DEFINED          002        0    37800       0
D  AVALONBAY CMNTYS INC        COMMON           053484101       34     1000  SH      DEFINED          001     1000        0       0
D  AVALONBAY CMNTYS INC        COMMON           053484101       68     2000  SH      OTHER            001     2000        0       0
D  AVERY DENNISON CORP         COMMON           053611109      200     3798  SH      OTHER            001     3798        0       0
D  AVNET INC                   COMMON           053807103     1760    41900  SH      DEFINED          001    41725        0     175
D  AVNET INC                   COMMON           053807103      139     3300  SH      OTHER            001     3300        0       0
D  AVNET INC                   COMMON           053807103      544    12950  SH      OTHER            002        0        0   12950
D  AVNET INC                   COMMON           053807103      577    13748  SH      DEFINED          002        0    13748       0
D  AVON PRODUCTS               COMMON           054303102      868    35000  SH      SOLE             001    35000        0       0
D  AXA                         COMMON           054536107      160     2500  SH      OTHER            001     2500        0       0
D  AZURIX CORP                 COMMON           05501M104       69     4000  SH      OTHER            001     4000        0       0
D  BANC ONE                    COMMON           059438101        5      133  SH      SOLE                      133        0       0
D  BANC ONE                    COMMON           059438101        5      133  SH      SOLE             001      133        0       0
D  BANK AMER CORP              COMMON           060505104      238     4272  SH      DEFINED          001     4272        0       0
D  BANK AMER CORP              COMMON           060505104      101     1817  SH      OTHER            001     1817        0       0
D  BANKAMERICA                 COMMON           060505104       24      426  SH      SOLE                      426        0       0
D  BANKAMERICA                 COMMON           060505104     1973    35426  SH      SOLE             001    35426        0       0
D  BANK OF AMERICA CORP        COMMON           060505104       85     1528  SH      OTHER            002        0        0    1528
D  BANK OF AMERICA CORP        COMMON           060505104      216     3885  SH      DEFINED          002        0     3885       0
D  BANK NEW YORK INC           COMMON           064057102      547    16364  SH      DEFINED          001    16364        0       0
D  BANK NEW YORK INC           COMMON           064057102      358    10720  SH      OTHER            001    10720        0       0
D  BANK OF BOSTON CORP         COMMON           06605R106        9      200  SH      SOLE                      200        0       0
D  BANK OF BOSTON CORP         COMMON           06605R106        9      200  SH      SOLE             001      200        0       0
D  BANKBOSTON CORP             COMMON           06605R106       35      800  SH      DEFINED          001      800        0       0
D  BANKBOSTON CORP             COMMON           06605R106      477    11000  SH      OTHER            001    11000        0       0
D  BANKBOSTON CORP             COMMON           06605R106      134     3096  SH      OTHER            002        0        0    3096
D  BANKBOSTON CORP             COMMON           06605R106      277     6377  SH      DEFINED          002        0     6377       0
D  BANK OF NEW YORK            COMMON           064057102       27      800  SH      SOLE                      800        0       0
D  BANK OF NEW YORK            COMMON           064057102       27      800  SH      SOLE             001      800        0       0
D  BANK OF NEW YORK            COMMON           064057102     2127    63598  SH      OTHER            002        0        0   63598
D  BANK OF NEW YORK            COMMON           064057102      447    13358  SH      DEFINED          002        0    13358       0
D  BANK ONE CORP               COMMON           06423A103       84     2400  SH      DEFINED          001     2400        0       0
D  BANK ONE CORP               COMMON           06423A103       42     1197  SH      OTHER            001     1197        0       0
D  BANK ONE CORP               COMMON           06423A103      361    10375  SH      OTHER            002        0        0   10375
D  BANK ONE CORP               COMMON           06423A103       59     1696  SH      DEFINED          002        0     1696       0
D  BANK TOKYO-MITSUBISHI LTD   COMMON           065379109       92     6000  SH      OTHER            001     6000        0       0
D  BARCLAYS BK PLC AMERDEPNT8% PREFERRED STOCK  06738C836       16      640  SH      OTHER            001     N.A.     N.A.    N.A.
D  BARD C R INC                COMMON           067383109      138     2930  SH      OTHER            001     2930        0       0
D  BASS PUB LTD CO             COMMON           069904209        0        8  SH      DEFINED          001        8        0       0
D  BAXTER INTERNATIONAL INC    COMMON           071813109     1175    19500  SH      OTHER            002        0        0   19500
D  BAXTER INTERNATIONAL INC    COMMON           071813109      961    15950  SH      DEFINED          002        0    15950       0
D  BECTON DICKINSON            COMMON           075887109      561    20000  SH      SOLE             001    20000        0       0
D  BECTON DICKINSON            COMMON           075887109       59     2100  SH      DEFINED          001     2100        0       0
D  BECTON DICKINSON            COMMON           075887109       67     2400  SH      OTHER            002        0        0    2400
D  BECTON DICKINSON            COMMON           075887109      571    20350  SH      DEFINED          002        0    20350       0
D  BELL ATLANTIC CORP          COMMON           077853109     1153    17135  SH      DEFINED          001    15367        0    1768
D  BELL ATLANTIC CORP          COMMON           077853109      631     9379  SH      OTHER            001     9379        0       0
D  BELL ATLANTIC CORP          COMMON           077853109      933    13864  SH      OTHER            002        0        0   13864
D  BELL ATLANTIC CORP          COMMON           077853109     1086    16140  SH      DEFINED          002        0    16140       0
D  BELLSOUTH CORP              COMMON           079860102     2800    62221  SH      DEFINED          001    59921        0    2300
D  BELLSOUTH CORP              COMMON           079860102      504    11192  SH      OTHER            001    11192        0       0
D  BELLSOUTH CORP              COMMON           079860102     1291    28688  SH      OTHER            002        0        0   28688
D  BELLSOUTH CORP              COMMON           079860102      776    17248  SH      DEFINED          002        0    17248       0
D  BELLSOUTH CORP.             COMMON           079860102      675    15000  SH      SOLE             001    15000        0       0
D  BERGEN BRUNSWIG CORP        COMMON           083739102        7      700  SH      DEFINED          001      700        0       0
D  BERGEN BRUNSWIG CORP        COMMON           083739102      156    15000  SH      SOLE             001    15000        0       0
D  BERKSHIRE HATHAWAY INC CLA  COMMON           084670108      935       17  SH      OTHER            002        0        0      17
D  BESTFOODS                   COMMON           08658U101      175     3600  SH      DEFINED          001     3600        0       0
D  BESTFOODS                   COMMON           08658U101       58     1200  SH      OTHER            001     1200        0       0
D  BESTFOODS                   COMMON           08658U101      301     6200  SH      OTHER            002        0        0    6200
D  BESTFOODS                   COMMON           08658U101     1379    28400  SH      DEFINED          002        0    28400       0
D  BETHLEHEM STEEL CORP        COMMON           087509105      221    30000  SH      SOLE             001    30000        0       0
D  BIOGEN INC                  COMMON           090597105       49      620  SH      DEFINED          001      620        0       0
D  BLACK & DECKER CORP         COMMON           091797100       46     1000  SH      OTHER            001     1000        0       0
D  BLACKROCK INCOMMONE TR INC  OTHER            09247F100       94    15000  SH      DEFINED          001     N.A.     N.A.    N.A.
D  BMC INDS INC MINN           COMMON           055607105       12     1000  SH      OTHER            001     1000        0       0
D  BOEING CO.                  COMMON           097023105      853    20000  SH      SOLE             001    20000        0       0
D  BOEING CO                   COMMON           097023105     1358    31850  SH      DEFINED          001    31850        0       0
D  BOEING CO                   COMMON           097023105      431    10100  SH      OTHER            001     9500        0     600
D  BOEING CO                   COMMON           097023105      780    18300  SH      OTHER            002        0        0   18300
D  BOEING CO                   COMMON           097023105      138     3236  SH      DEFINED          002        0     3236       0
D  BP AMOCO P L C              COMMON           055622104     3516    31728  SH      DEFINED          001    31728        0       0
D  BP AMOCO P L C              COMMON           055622104     1441    13002  SH      OTHER            001    13002        0       0
D  BP AMOCO P L C              COMMON           055622104     1033     9323  SH      OTHER            002        0        0    9323
D  BP AMOCO P L C              COMMON           055622104     1541    13908  SH      DEFINED          002        0    13908       0
D  BRISTOL MYERS SQUIBB CO     COMMON           110122108     1688    25000  SH      SOLE             001    25000        0       0
D  BRISTOL MYERS SQUIBB CO     COMMON           110122108     3192    47294  SH      DEFINED          001    46294        0    1000
D  BRISTOL MYERS SQUIBB CO     COMMON           110122108     3000    44446  SH      OTHER            001    44446        0       0
D  BRISTOL-MYERS SQUIBB CO     COMMON           110122108     3919    58056  SH      OTHER            002        0        0   58056
D  BRISTOL-MYERS SQUIBB CO     COMMON           110122108     5949    88136  SH      DEFINED          002        0    88136       0
D  BROWN FORMAN CORP CL A      COMMON           115637100       52      900  SH      OTHER            001      900        0       0
D  BROWN TOM INC               COMMON           115660201       15     1000  SH      DEFINED          001     1000        0       0
D  BROWN TOM INC               COMMON           115660201       15     1000  SH      OTHER            001     1000        0       0
D  BURLINGTON NORT SANTA FE    COMMON           12189T104       76     2750  SH      DEFINED          001     2000        0     750
D  BURLINGTON NORT SANTA FE    COMMON           12189T104       50     1800  SH      OTHER            001     1800        0       0
D  BURLINGTON NORT SANTA FE    COMMON           12189T104      413    15000  SH      SOLE             001    15000        0       0
D  BURLINGTON NORT SANTA FE    COMMON           12189T104       91     3318  SH      OTHER            002        0        0    3318
D  BURLINGTON NORT SANTA FE    COMMON           12189T104      662    24065  SH      DEFINED          002        0    24065       0
D  BURLINGTON RES INC          COMMON           122014103       40     1100  SH      DEFINED          001      700        0     400
D  BURLINGTON RES INC          COMMON           122014103       51     1394  SH      OTHER            001     1394        0       0
D  BUTLER INTL INC NEW         COMMON           123649105       53     6000  SH      OTHER            001     6000        0       0
D  CABLEVISION SYS CORP        COMMON           12686C109       55      750  SH      DEFINED          001      750        0       0
D  CALIFORNIA FED BK SVGS      COMMON           130209703        0       12  SH      OTHER            001       12        0       0
D  CAMPBELL SOUP CO.           COMMON           134429109      391    10000  SH      SOLE             001    10000        0       0
D  CAMPBELL SOUP CO            COMMON           134429109       90     2300  SH      DEFINED          001     2300        0       0
D  CAMPBELL SOUP CO            COMMON           134429109      235     6000  SH      OTHER            002        0        0    6000
D  CAMPBELL SOUP CO            COMMON           134429109      321     8200  SH      DEFINED          002        0     8200       0
D  CAPITAL ONE FINL CORP       COMMON           14040H105        2       45  SH      DEFINED          001       45        0       0
D  CARDINAL HEALTH INC         COMMON           14149Y108       46      850  SH      OTHER            001      850        0       0
D  CAREMARK RX INC             COMMON           141705103      173    30000  SH      SOLE             001    30000        0       0
D  CARNIVAL CORP CL A          COMMON           143658102     1559    35850  SH      DEFINED          001    35700        0     150
D  CARNIVAL CORP CL A          COMMON           143658102      147     3375  SH      OTHER            001     3375        0       0
D  CAROLINA PWR & LT CO        COMMON           144141108       42     1200  SH      DEFINED          001     1200        0       0
D  CAROLINA PWR & LT CO        COMMON           144141108       19      532  SH      OTHER            001      532        0       0
D  CARPENTER TECHNOLOGY CORP   COMMON           144285103       14      556  SH      DEFINED          001      556        0       0
D  CASE EQUIP CORP             COMMON           14743R103       75     1500  SH      DEFINED          001     1500        0       0
D  CATELLUS DEV CORP           COMMON           149111106        5      462  SH      OTHER            001      462        0       0
D  CATERPILLAR INC             COMMON           149123101     1566    28575  SH      DEFINED          001    28575        0       0
D  CATERPILLAR INC             COMMON           149123101      260     4750  SH      OTHER            001     4750        0       0
D  CATERPILLAR INC             COMMON           149123101      981    17900  SH      DEFINED          002        0    17900       0
D  CBRL GROUP INC              COMMON           12489V106        1       70  SH      DEFINED          001       70        0       0
D  CBS CORP                    COMMON           12490K107      191     4140  SH      DEFINED          001     4140        0       0
D  CENTRAL & SOUTH WEST CORP   COMMON           152357109       24     1159  SH      DEFINED          001     1159        0       0
D  CENTRAL & SOUTH WEST CORP   COMMON           152357109       32     1504  SH      OTHER            001     1504        0       0
D  CENTRAL & SOUTH WEST CORP   COMMON           152357109       46     2200  SH      OTHER            002        0        0    2200
D  CENTRAL & SOUTH WEST CORP   COMMON           152357109      240    11358  SH      DEFINED          002        0    11358       0
D  CHARTER ONE FINL INC        COMMON           160903100        7      300  SH      DEFINED          001      300        0       0
D  CHARTER ONE FINL INC        COMMON           160903100       24     1050  SH      OTHER            001     1050        0       0
D  CHASE MANHATTAN CORP        COMMON           16161A108       31      408  SH      SOLE                      408        0       0
D  CHASE MANHATTAN CORP        COMMON           16161A108       31      408  SH      SOLE             001      408        0       0
D  CHASE MANHATTAN CORP        COMMON           16161A108      143     1896  SH      DEFINED          001     1896        0       0
D  CHASE MANHATTAN CORP        COMMON           16161A108      279     3708  SH      OTHER            001     3708        0       0
D  CHASE MANHATTAN CORP        COMMON           16161A108      219     2908  SH      OTHER            002        0        0    2908
D  CHASE MANHATTAN CORP        COMMON           16161A108      473     6270  SH      DEFINED          002        0     6270       0
D  CHEMED CORP                 COMMON           163596109       12      400  SH      OTHER            001      400        0       0
D  CHEVRON CORP                COMMON           166751107     1325    14925  SH      DEFINED          001    14850        0      75
D  CHEVRON CORP                COMMON           166751107      512     5765  SH      OTHER            001     5765        0       0
D  CHEVRON CORP                COMMON           166751107      654     7370  SH      OTHER            002        0        0    7370
D  CHEVRON CORP                COMMON           166751107     1012    11400  SH      DEFINED          002        0    11400       0
D  CHIQUITA BRANDS INTERNATION COMMON           170032106      327    55000  SH      SOLE             001    55000        0       0
D  CHUBB CORP                  COMMON           171232101     2717    54750  SH      DEFINED          001    54750        0       0
D  CHUBB CORP                  COMMON           171232101      416     8375  SH      OTHER            001     8375        0       0
D  CHUBB CORP                  COMMON           171232101      744    15000  SH      SOLE             001    15000        0       0
D  CIGNA CORP                  COMMON           125509109      240     3086  SH      DEFINED          001     3086        0       0
D  CIGNA CORP                  COMMON           125509109       64      818  SH      OTHER            001      818        0       0
D  CIGNA CORP                  COMMON           125509109      950    12225  SH      OTHER            002        0        0   12225
D  CIGNA CORP                  COMMON           125509109       24      315  SH      DEFINED          002        0      315       0
D  CINCINNATI FINANCIAL CORP   COMMON           172062101      186     4959  SH      OTHER            002        0        0    4959
D  CINCINNATI FINANCIAL CORP   COMMON           172062101      558    14880  SH      DEFINED          002        0    14880       0
D  CINERGY CORP.               COMMON           172474108      708    25000  SH      SOLE             001    25000        0       0
D  CIRCUIT CITY STORES INC     COMMON           172737108     2696    63905  SH      DEFINED          001    63705        0     200
D  CIRCUIT CITY STORES INC     COMMON           172737108      430    10200  SH      OTHER            001    10200        0       0
D  CISCO SYS INC               COMMON           17275R102     4554    66424  SH      DEFINED          001    66424        0       0
D  CISCO SYS INC               COMMON           17275R102     2239    32660  SH      OTHER            001    32660        0       0
D  CISCO SYS INC               COMMON           17275R102      942    13734  SH      OTHER            002        0        0   13734
D  CISCO SYS INC               COMMON           17275R102     1476    21524  SH      DEFINED          002        0    21524       0
D  CITIGROUP INC               COMMON           172967101       17      375  SH      SOLE                      375        0       0
D  CITIGROUP INC               COMMON           172967101     3097    70375  SH      SOLE             001    70375        0       0
D  CITIGROUP INC               COMMON           172967101     2626    59676  SH      DEFINED          001    59676        0       0
D  CITIGROUP INC               COMMON           172967101     1348    30633  SH      OTHER            001    30633        0       0
D  CITIGROUP INC               COMMON           172967101     1803    40981  SH      OTHER            002        0        0   40981
D  CITIGROUP INC               COMMON           172967101     2005    45574  SH      DEFINED          002        0    45574       0
D  CITIZENS BKG CORP MICH      COMMON           174420109       39     1500  SH      DEFINED          001     1500        0       0
D  CLECO CORP NEW              COMMON           12561W105       65     2000  SH      OTHER            001     2000        0       0
D  CLOROX CO                   COMMON           189054109       11      278  SH      DEFINED          001      278        0       0
D  CLOROX CO                   COMMON           189054109        8      200  SH      OTHER            001      200        0       0
D  COASTAL CORP                COMMON           190441105       82     2000  SH      OTHER            001     2000        0       0
D  COCA COLA CO                COMMON           191216100     2432    50400  SH      DEFINED          001    50400        0       0
D  COCA COLA CO                COMMON           191216100     1405    29125  SH      OTHER            001    29125        0       0
D  COCA-COLA CO                COMMON           191216100      785    16266  SH      OTHER            002        0        0   16266
D  COCA-COLA CO                COMMON           191216100      992    20551  SH      DEFINED          002        0    20551       0
D  COEUR D ALENE 7.00%CONVPFD  PREFERRED STOCK  192108207       33     5600  SH      DEFINED          001     N.A.     N.A.    N.A.
D  COLGATE PALMOLIVE CO        COMMON           194162103      496    10850  SH      DEFINED          001    10850        0       0
D  COLGATE PALMOLIVE CO        COMMON           194162103      412     9000  SH      OTHER            001     9000        0       0
D  COLONIAL HIGH INC MUN TR    OTHER            195743109      150    22000  SH      OTHER            001     N.A.     N.A.    N.A.
D  COMCAST CORP CL A SPL       COMMON           200300101       27      750  SH      DEFINED          001      750        0       0
D  COMCAST CORP CL A SPL       COMMON           200300200       42     1064  SH      DEFINED          001     1064        0       0
D  COMCAST CORP CL A SPL       COMMON           200300200      798    20000  SH      SOLE             001    20000        0       0
D  COMERICA INC                COMMON           200340107       23      450  SH      OTHER            001      450        0       0
D  COMPAQ COMPUTER CORP        COMMON           204493100      277    12100  SH      DEFINED          001    12100        0       0
D  COMPAQ COMPUTER CORP        COMMON           204493100      319    13950  SH      OTHER            001    13800        0     150
D  COMPAQ COMPUTER CORP        COMMON           204493100      686    30000  SH      SOLE             001    30000        0       0
D  COMPUTER ASSOC INTL INC     COMMON           204912109     5262    86087  SH      DEFINED          001    85912        0     175
D  COMPUTER ASSOC INTL INC     COMMON           204912109     1281    20950  SH      OTHER            001    20800        0     150
D  CONAGRA INC                 COMMON           205887102       51     2250  SH      DEFINED          001     2250        0       0
D  CONAGRA INC                 COMMON           205887102      469    20800  SH      OTHER            001    20800        0       0
D  CONAGRA INC                 COMMON           205887102      451    20000  SH      SOLE             001    20000        0       0
D  CONEXANT SYS INC            COMMON           207142100       15      200  SH      DEFINED          001      200        0       0
D  CONEXANT SYS INC            COMMON           207142100       87     1196  SH      OTHER            001     1196        0       0
D  CONN ENERGY CORP            COMMON           207567108       17      442  SH      DEFINED          001      442        0       0
D  CONN ENERGY CORP            COMMON           207567108      151     3903  SH      OTHER            001     3903        0       0
D  CONOCO INC CL B             COMMON           208251405       37     1350  SH      DEFINED          001     1350        0       0
D  CONSOLIDATED EDISON INC     COMMON           209115104       17      400  SH      DEFINED          001      400        0       0
D  CONSOLIDATED EDISON INC     COMMON           209115104       12      300  SH      OTHER            001      300        0       0
D  CONSOLIDATED NAT GAS CO     COMMON           209615103      287     4600  SH      DEFINED          001     4600        0       0
D  CONSOLIDATED NAT GAS CO     COMMON           209615103      692    11100  SH      OTHER            001    11100        0       0
D  CONSOLIDATED PRODS INC      COMMON           209798107      488    50000  SH      DEFINED          001    50000        0       0
D  CONSTELLATION ENERGY GROUP  COMMON           210371100      118     4200  SH      OTHER            002        0        0    4200
D  CONSTELLATION ENERGY GROUP  COMMON           210371100      129     4596  SH      DEFINED          002        0     4596       0
D  CONSTELLATION ENERGY GROUP  COMMON           210371100       34     1200  SH      OTHER            001     1200        0       0
D  CONTINENTAL AIRLS INC       COMMON           210795308       16      500  SH      DEFINED          001      500        0       0
D  COOPER INDS INC             COMMON           216669101       37      800  SH      OTHER            001      800        0       0
D  CORNING INC                 COMMON           219350105       96     1400  SH      DEFINED          001     1400        0       0
D  CORNING INC                 COMMON           219350105       55      800  SH      OTHER            001      800        0       0
D  CORNING INC                 COMMON           219350105      103     1500  SH      OTHER            002        0        0    1500
D  CORNING INC                 COMMON           219350105      683     9960  SH      DEFINED          002        0     9960       0
D  CORPORATE HIGH YIELD FD III OTHER            219925104        0       24  SH      DEFINED          001     N.A.     N.A.    N.A.
D  COSTCO WHSL CORP NEW        COMMON           22160K105      778    10800  SH      DEFINED          001    10800        0       0
D  COSTCO WHSL CORP NEW        COMMON           22160K105      112     1550  SH      OTHER            001     1550        0       0
D  COVANCE INC                 COMMON           222816100      242    25000  SH      SOLE             001    25000        0       0
D  COVANCE INC                 COMMON           222816100       43     4400  SH      OTHER            002        0        0    4400
D  COVANCE INC                 COMMON           222816100      135    13900  SH      DEFINED          002        0    13900       0
D  CRESCENT REAL ESTATE        COMMON           225756105       27     1500  SH      DEFINED          001     1500        0       0
D  CRESCENT REAL ESTATE        COMMON           225756105       41     2300  SH      OTHER            001     2300        0       0
D  CROWN CORK & SEAL INC       COMMON           228255105        8      325  SH      OTHER            001      325        0       0
D  CSX CORP                    COMMON           126408103       97     2300  SH      DEFINED          001     2300        0       0
D  CSX CORP                    COMMON           126408103      439    10370  SH      OTHER            001    10370        0       0
D  CSX CORP                    COMMON           126408103      137     3229  SH      OTHER            002        0        0    3229
D  CSX CORP                    COMMON           126408103      110     2600  SH      DEFINED          002        0     2600       0
D  CTG RES INC                 COMMON           125957100       81     2300  SH      OTHER            001     2300        0       0
D  CUMMINS ENGINE INC          COMMON           231021106       21      420  SH      OTHER            001      420        0       0
D  CVS CORP                    COMMON           126650100       33      800  SH      DEFINED          001      800        0       0
D  CVS CORP                    COMMON           126650100      261     6400  SH      OTHER            002        0        0    6400
D  CVS CORP                    COMMON           126650100      412    10100  SH      DEFINED          002        0    10100       0
D  CYGNUS INC                  COMMON           232560102      765    68200  SH      OTHER            001    68200        0       0
D  DAIMLERCHRYSLER AG          COMMON           D1668R123     1337    19256  SH      DEFINED          001    19256        0       0
D  DAIMLERCHRYSLER AG          COMMON           D1668R123      350     5038  SH      OTHER            001     4913        0     125
D  DANA CORP                   COMMON           235811106      616    16604  SH      DEFINED          001    16361        0     243
D  DANA CORP                   COMMON           235811106       83     2245  SH      OTHER            001     2245        0       0
D  DANA CORP                   COMMON           235811106       14      371  SH      OTHER            002        0        0     371
D  DANA CORP                   COMMON           235811106      534    14397  SH      DEFINED          002        0    14397       0
D  DAYTON HUDSON CORP          COMMON           239753106     1320    21975  SH      DEFINED          001    21975        0       0
D  DAYTON HUDSON CORP          COMMON           239753106      321     5350  SH      OTHER            001     5350        0       0
D  DEERE & CO                  COMMON           244199105     1141    29485  SH      DEFINED          001    29485        0       0
D  DEERE & CO                  COMMON           244199105      193     4985  SH      OTHER            001     4985        0       0
D  DEERE & CO                  COMMON           244199105       23      600  SH      OTHER            002        0        0     600
D  DEERE & CO                  COMMON           244199105      209     5400  SH      DEFINED          002        0     5400       0
D  DELL COMPUTER CORP          COMMON           247025109      170     4060  SH      DEFINED          001     4060        0       0
D  DELL COMPUTER CORP          COMMON           247025109       46     1104  SH      OTHER            001     1104        0       0
D  DELPHI AUTOMOTIVE SYS CORP  COMMON           247126105       39     2407  SH      DEFINED          001     2407        0       0
D  DELPHI AUTOMOTIVE SYS CORP  COMMON           247126105       19     1193  SH      OTHER            001     1193        0       0
D  DELPHI AUTOMOTIVE SYS CORP  COMMON           247126105      337    20967  SH      SOLE             001    20967        0       0
D  DEXTER CORP                 COMMON           252165105        7      200  SH      OTHER            001      200        0       0
D  DIANON SYSTEMS              COMMON           252826102     1631   150000  SH      SOLE             001   150000        0       0
D  DIGITAL LIGHTWAVE INC       COMMON           253855100       36     5000  SH      OTHER            001     5000        0       0
D  DIONEX CORP                 COMMON           254546104       43     1000  SH      DEFINED          001     1000        0       0
D  DISNEY CO                   COMMON           254687106      910    35000  SH      SOLE             001    35000        0       0
D  DISNEY CO                   COMMON           254687106      114     4400  SH      DEFINED          001     4400        0       0
D  DISNEY CO                   COMMON           254687106      119     4575  SH      OTHER            001     4575        0       0
D  DISNEY CO                   COMMON           254687106      499    19200  SH      OTHER            002        0        0   19200
D  DISNEY CO                   COMMON           254687106     1542    59297  SH      DEFINED          002        0    59297       0
D  DOMINION RES INC VA         COMMON           257470104       50     1118  SH      OTHER            001     1118        0       0
D  DONNELLEY R R & SONS CO     COMMON           257867101       29     1000  SH      DEFINED          001     1000        0       0
D  DONNELLEY R R & SONS CO     COMMON           257867101       23      800  SH      OTHER            001      800        0       0
D  DOUBLE CLICK                COMMON           258609304      238     2000  SH      SOLE             001     2000        0       0
D  DOVER CORP                  COMMON           260003108      270     6600  SH      DEFINED          001     6600        0       0
D  DOVER CORP                  COMMON           260003108     1185    29000  SH      OTHER            001    28800        0     200
D  DOW CHEM CO                 COMMON           260543103      733     6454  SH      DEFINED          001     6454        0       0
D  DOW CHEM CO                 COMMON           260543103     1193    10500  SH      OTHER            001    10500        0       0
D  DOW CHEM CO                 COMMON           260543103      755     6648  SH      OTHER            002        0        0    6648
D  DOW CHEM CO                 COMMON           260543103     1243    10941  SH      DEFINED          002        0    10941       0
D  DPL INC                     COMMON           233293109       24     1350  SH      OTHER            001     1350        0       0
D  DQE INC                     COMMON           23329J104       32      829  SH      OTHER            001      829        0       0
D  DQE INC.                    COMMON           23329J104      978    25000  SH      SOLE             001    25000        0        0
D  DTE ENERGY CO               COMMON           233331107       73     2000  SH      DEFINED          001     2000        0       0
D  DU PONT E I DE NEMOURS & CO COMMON           263534109     3586    59274  SH      DEFINED          001    59274        0       0
D  DU PONT E I DE NEMOURS & CO COMMON           263534109     1803    29805  SH      OTHER            001    29805        0       0
D  DU PONT E I DE NEMOURS & CO COMMON           263534109      477     7879  SH      OTHER            002        0        0    7879
D  DU PONT E I DE NEMOURS & CO COMMON           263534109     1938    32040  SH      DEFINED          002        0    32040       0
D  DUFF & PHELPS UTIL INC      COMMON           26432410       253    26130  SH      OTHER            002        0        0   26130
D  DUFF & PHELPS UTIL INC      COMMON           26432410       302    31172  SH      DEFINED          002        0    31172       0
D  DUKE ENERGY CORP            COMMON           264399106       79     1426  SH      DEFINED          001     1426        0       0
D  DUKE ENERGY CORP            COMMON           264399106       55     1000  SH      OTHER            001     1000        0       0
D  DUKE ENERGY CORP            COMMON           264399106      124     2250  SH      OTHER            002        0        0    2250
D  DUKE ENERGY CORP            COMMON           264399106      207     3750  SH      DEFINED          002        0     3750       0
D  DUKE RLTY INVTS INC         COMMON           264411505       16      800  SH      DEFINED          001      800        0       0
D  DUN & BRADSTREET CORP DEL   COMMON           26483B106       48     1600  SH      OTHER            001     1600        0       0
D  DUN & BRADSTREET CORP DEL   COMMON           26483B106      349    11690  SH      OTHER            002        0        0   11690
D  DUN & BRADSTREET CORP DEL   COMMON           26483B106       15      500  SH      DEFINED          002        0      500       0
D  E M C CORP MASS             COMMON           268648102      836    11711  SH      DEFINED          001    11711        0       0
D  E M C CORP MASS             COMMON           268648102      139     1950  SH      OTHER            001     1950        0       0
D  EASTMAN CHEM CO             COMMON           277432100        4       99  SH      OTHER            001       99        0       0
D  EASTMAN KODAK CO            COMMON           277461109       28      375  SH      DEFINED          001      375        0       0
D  EASTMAN KODAK CO            COMMON           277461109      204     2694  SH      OTHER            001     2694        0       0
D  EASTMAN KODAK CO            COMMON           277461109      475     6277  SH      OTHER            002        0        0    6277
D  EASTMAN KODAK CO            COMMON           277461109      250     3300  SH      DEFINED          002        0     3300       0
D  ECHO BAY MINES LTD          COMMON           278751102       0       200  SH      OTHER            001      200        0       0
D  ECI TELECOMMON LTD          COMMON           268258100      37      1500  SH      OTHER            001     1500        0       0
D  EL PASO ENERGY CORP DEL     COMMON           283905107      67      1666  SH      OTHER            001     1666        0       0
D  ELAN CORP PLC ADR           COMMON           284131208      20       600  SH      OTHER            002        0        0     600
D  ELAN CORP PLC ADR           COMMON           284131208     596     17766  SH      DEFINED          002        0    17766       0
D  ELECTRONIC DATA SYS CORP    COMMON           285661104       5       100  SH      DEFINED          001      100        0       0
D  ELECTRONIC DATA SYS CORP    COMMON           285661104      24       456  SH      OTHER            001      456        0       0
D  ELECTRONIC DATA SYS CORP    COMMON           285661104     930     17574  SH      OTHER            002        0        0   17574
D  ELECTRONIC DATA SYS CORP    COMMON           285661104    2002     37819  SH      DEFINED          002        0    37819       0
D  ELECTRONICS FOR IMAGING INC COMMON           286082102     206      4000  SH      DEFINED          002        0     4000       0
D  EMC CORP                    COMMON           268648102     714     10000  SH      SOLE             001    10000        0       0
D  EMERSON ELEC CO             COMMON           291011104    2048     32415  SH      DEFINED          001    32415        0       0
D  EMERSON ELEC CO             COMMON           291011104    1094     17309  SH      OTHER            001    17309        0       0
D  EMERSON ELEC CO             COMMON           291011104     335      5300  SH      OTHER            002        0        0    5300
D  EMERSON ELEC CO             COMMON           291011104     498      7888  SH      DEFINED          002        0     7888       0
D  ENERGY EAST CORP            COMMON           29266M109      29      1232  SH      DEFINED          001        0        0    1232
D  ENRON CORP                  COMMON           293561106    1328     32350  SH      DEFINED          001    32350        0       0
D  ENRON CORP                  COMMON           293561106     316      7700  SH      OTHER            001     7700        0       0
D  ENRON CORP                  COMMON           293561106      49      1200  SH      OTHER            002        0        0    1200
D  ENRON CORP                  COMMON           293561106     345      8400  SH      DEFINED          002        0     8400       0
D  EOG RES INC                 COMMON           26875P101       7       328  SH      DEFINED          001      328        0       0
D  EQUIFAX INC                 COMMON           294429105      17       600  SH      DEFINED          001      600        0       0
D  EQUIFAX INC                 COMMON           294429105     563     20000  SH      SOLE             001    20000        0       0
D  EQUITABLE RES INC           COMMON           294549100      38      1012  SH      OTHER            001     1012        0       0
D  EQUITY INCOME FUND AT&T     COMMON           294700703     275      1400  SH      DEFINED          002        0     1400       0
D  EQUITY OFFICE PPTYS TR      COMMON           294741103      28      1200  SH      DEFINED          001     1200        0       0
D  EQUITY OFFICE PPTYS TR      COMMON           294741103      28      1200  SH      OTHER            001     1200        0       0
D  EXXON CORP                  COMMON           302290101    5715     75195  SH      DEFINED          001    72623        0    2572
D  EXXON CORP                  COMMON           302290101    2196     28894  SH      OTHER            001    28894        0       0
D  EXXON CORP                  COMMON           302290101     760     10000  SH      SOLE             001    10000        0       0
D  EXXON CORP                  COMMON           302290101    3698     48655  SH      OTHER            002        0        0   48655
D  EXXON CORP                  COMMON           302290101    4682     61601  SH      DEFINED          002        0    61601       0
D  FANNIE MAE                  COMMON           313586109    3997     63766  SH      DEFINED          001    63766        0       0
D  FANNIE MAE                  COMMON           313586109    2334     37240  SH      OTHER            001    37240        0       0
D  FANNIE MAE                  COMMON           313586109     254      4050  SH      OTHER            002        0        0    4050
D  FANNIE MAE                  COMMON           313586109     354      5650  SH      DEFINED          002        0     5650       0
D  FDX CORP                    COMMON           31304N107    2176     55985  SH      DEFINED          001    55985        0       0
D  FDX CORP                    COMMON           31304N107     552     14200  SH      OTHER            001    14200        0       0
D  FEDERAL HOME LN MTG CORP    COMMON           313400301      47       900  SH      DEFINED          001      900        0       0
D  FEDERAL MOGUL CORP          COMMON           313549107       9       344  SH      DEFINED          001      344        0       0
D  FEDERAL RLTY INVT TR        COMMON           313747206       7       350  SH      OTHER            001      350        0       0
D  FEDERATED DEPT. STORES      COMMON           31410H101     874     20000  SH      SOLE             001    20000        0       0
D  FIRST DATA CORP             COMMON           319963104     319      7260  SH      OTHER            002        0        0    7260
D  FIRST DATA CORP             COMMON           319963104     884     20138  SH      DEFINED          002        0    20138       0
D  FIRST INTL BANCORP INC      COMMON           32054Q100     171     17500  SH      DEFINED          001    17500        0       0
D  FIRST LITCHFIELD FINANCIAL  COMMON           320724107     366     18321  SH      DEFINED          002        0    18321       0
D  FIRST UNION CORP            COMMON           337358105      15       432  SH      SOLE                      432        0       0
D  FIRST UNION CORP            COMMON           337358105     728     20432  SH      SOLE             001    20432        0       0
D  FIRST UNION CORP            COMMON           337358105     283      7938  SH      DEFINED          001     7938        0       0
D  FIRST UNION CORP            COMMON           337358105      60      1684  SH      OTHER            001     1684        0       0
D  FIRST UNION CORP            COMMON           337358105     590     16551  SH      OTHER            002        0        0   16551
D  FIRST UNION CORP            COMMON           337358105      67      1872  SH      DEFINED          002        0     1872       0
D  FLEET FINANCIAL GROUP       COMMON           33901A108      14       378  SH      SOLE                      378        0       0
D  FLEET FINANCIAL GROUP       COMMON           33901A108    1479     40378  SH      SOLE             001    40378        0       0
D  FLEET FINANCIAL GROUP       COMMON           338915101    4846    132309  SH      DEFINED          001   131959        0     350
D  FLEET FINANCIAL GROUP       COMMON           338915101     706     19276  SH      OTHER            001    19276        0       0
D  FLEET FINANCIAL GROUP       COMMON           338915101     442     12072  SH      OTHER            002        0        0   12072
D  FLEET FINANCIAL GROUP       COMMON           338915101    1322     36083  SH      DEFINED          002        0    36083       0
D  FLEMING                     COMMON           339130106     343     35000  SH      SOLE             001    35000        0       0
D  FLORIDA PROGRESS CORP       COMMON           341109106      14       300  SH      DEFINED          001      300        0       0
D  FLORIDA PROGRESS CORP       COMMON           341109106      46      1000  SH      OTHER            001     1000        0       0
D  FLORIDA PROGRESS CORP       COMMON           341109106      69      1500  SH      OTHER            002        0        0    1500
D  FLORIDA PROGRESS CORP       COMMON           341109106     454      9815  SH      DEFINED          002        0     9815       0
D  FORD MOTOR CO               COMMON           345370100     156      3100  SH      DEFINED          001     3100        0       0
D  FORD MOTOR CO               COMMON           345370100     764     15200  SH      OTHER            001    15200        0       0
D  FORD MOTOR CO               COMMON           345370100    1112     22135  SH      OTHER            002        0        0   22135
D  FORD MOTOR CO               COMMON           345370100     876     17434  SH      DEFINED          002        0    17434       0
D  FORTUNE BRANDS INC          COMMON           349631101      97      3000  SH      DEFINED          001     3000        0       0
D  FORTUNE BRANDS INC          COMMON           349631101     103      3200  SH      OTHER            001     3200        0       0
D  FORTUNE BRANDS INC.         COMMON           349631101     484     15000  SH      SOLE             001    15000        0       0
D  FPL GROUP INC               COMMON           302571104     907     18000  SH      SOLE             001    18000        0       0
D  FPL GROUP INC               COMMON           302571104    1777     35284  SH      DEFINED          001    35159        0     125
D  FPL GROUP INC               COMMON           302571104     650     12904  SH      OTHER            001    12904        0       0
D  FPL GROUP INC               COMMON           302571104     218      4324  SH      DEFINED          002        0     4324       0
D  FRANKLIN RESOURCES INC      COMMON           354613101     611     20000  SH      SOLE             001    20000        0       0
D  FREDDIE MAC                 COMMON           313400301    2080     40000  SH      SOLE             001    40000        0       0
D  FREEPORT-MCM CORP GOLDCONVP PREFERRED STOCK  35671D501      62      3500  SH      DEFINED          001     N.A.     N.A.    N.A.
D  FREESHOP.COM                COMMON           356873109     115     10000  SH      SOLE             001    10000        0       0
D  FRONTIER CORP               COMMON           35906P105      57      1142  SH      OTHER            001     1142        0       0
D  FTD.COM INC                 COMMON           30265F103      81     10000  SH      SOLE             001    10000        0       0
D  GALLAHER GROUP PLC          COMMON           363595109      87      3200  SH      OTHER            001     3200        0       0
D  GANNETT INC                 COMMON           364730101      64       925  SH      DEFINED          001      925        0       0
D  GANNETT INC                 COMMON           364730101     291      4200  SH      OTHER            001     4200        0       0
D  GARTNER GROUP INC           COMMON           366651107      48      3000  SH      DEFINED          001     3000        0       0
D  GENERAL ELEC CO             COMMON           369604103    9761     82324  SH      DEFINED          001    82199        0     125
D  GENERAL ELEC CO             COMMON           369604103    6554     55282  SH      OTHER            001    55282        0       0
D  GENERAL ELEC CO             COMMON           369604103    3498     29500  SH      SOLE             001    29500        0       0
D  GENERAL ELEC CO             COMMON           369604103    7024     59241  SH      OTHER            002        0        0   59241
D  GENERAL ELEC CO             COMMON           369604103   11304     95343  SH      DEFINED          002        0    95343       0
D  GENERAL INSTRUMENT CORP     COMMON           370120107     960     20000  SH      SOLE             001    20000        0       0
D  GENERAL MOTORS CORP         COMMON           370442105    1888     30000  SH      SOLE             001    30000        0       0
D  GENERAL MOTORS CORP         COMMON           370442105     657     10441  SH      DEFINED          001    10441        0       0
D  GENERAL M0TORS CORP         COMMON           370442105     127      2015  SH      OTHER            001     2015        0       0
D  GENERAL MOTORS CORP         COMMON           370442105     330      5242  SH      OTHER            002        0        0    5242
D  GENERAL MOTORS CORP         COMMON           370442105     177      2812  SH      DEFINED          002        0     2812       0
D  GENERAL MTRS CORP CL H      COMMON           370442832       0         4  SH      DEFINED          001        4        0       0
D  GENERAL MTRS CORP CL H      COMMON           370442832       1        16  SH      OTHER            001       16        0       0
D  GENRAD INC                  COMMON           372447102      77      4000  SH      OTHER            001     4000        0       0
D  GENUINE PARTS CO            COMMON           372460105      30      1125  SH      OTHER            001     1125        0       0
D  GEORGIA PAC CORP            COMMON           373298108      27       658  SH      DEFINED          001      658        0       0
D  GEORGIA PAC CORP            COMMON           373298108      35       872  SH      OTHER            001      872        0       0
D  GEORGIA PACIFIC PEPS        COMMON           373298801    1549     35000  SH      SOLE             001    35000        0       0
D  GERBER SCIENTIFIC INC       COMMON           373730100       9       400  SH      OTHER            001      400        0       0
D  GILLETTE CO                 COMMON           375766102    1067     31448  SH      DEFINED          001    31448        0       0
D  GILLETTE CO                 COMMON           375766102     728     21445  SH      OTHER            001    21445        0       0
D  GILLETTE CO                 COMMON           375766102     611     18000  SH      OTHER            002        0        0   18000
D  GILLETTE CO                 COMMON           375766102     838     24700  SH      DEFINED          002        0    24700       0
D  GLAXO WELLCOMMONE PLC       COMMON           37733W105      16       305  SH      DEFINED          001      305        0       0
D  GLAXO WELLCOMMONE PLC       COMMON           37733W105      52      1000  SH      OTHER            001     1000        0       0
D  GLAXO WELLCOMMONE PLC       COMMON           37733W105    1064     20455  SH      OTHER            002        0        0   20455
D  GLAXO WELLCOMMONE PLC       COMMON           37733W105    1044     20080  SH      DEFINED          002        0    20080       0
D  GLOBAL CROSSING LTD         COMMON           G3921A100     265     10000  SH      SOLE             001    10000        0       0
D  GLOBAL MARINE INC           COMMON           379352404      16      1000  SH      OTHER            001     1000        0       0
D  GLOBAL STAR TELECOMMON      COMMON           G3930H104     805     35000  SH      SOLE             001    35000        0       0
D  GOLDEN WEST FINANCIAL CORP  COMMON           38131710      295      3000  SH      OTHER            002        0        0    3000
D  GOODY'S FAMILY CLOTHING INC COMMON           382588101     363     45000  SH      SOLE             001    45000        0       0
D  GPU INC                     COMMON           36225X100      39      1205  SH      OTHER            001     1205        0       0
D  GREAT LAKES CHEM CORP       COMMON           390568103      80      2100  SH      OTHER            001     2100        0       0
D  GST TELECOMMUNICATIONS INC  COMMON           361942105      14      2000  SH      OTHER            001     2000        0       0
D  GTE CORP                    COMMON           362320103     741      9635  SH      DEFINED          001     9635        0       0
D  GTE CORP                    COMMON           362320103     323      4206  SH      OTHER            001     4206        0       0
D  GTE CORP                    COMMON           362320103    1538     20000  SH      SOLE             001    20000        0       0
D  GTE CORP                    COMMON           362320103    2209     28738  SH      OTHER            002        0        0   28738
D  GTE CORP                    COMMON           362320103    2372     30861  SH      DEFINED          002        0    30861       0
D  GULFMARK OFFSHORE INC       COMMON           402629109      20      1092  SH      OTHER            001     1092        0       0
D  HAEMONETICS CORP            COMMON           405024100    1673     85000  SH      SOLE             001    85000        0       0
D  HALLIBURTON CO              COMMON           406216101     138      3375  SH      DEFINED          001     3075        0     300
D  HALLIBURTON CO              COMMON           406216101      54      1310  SH      OTHER            001     1310        0       0
D  HALLIBURTON CO              COMMON           406216101     615     15000  SH      OTHER            002        0        0   15000
D  HALLIBURTON CO              COMMON           406216101    1132     27600  SH      DEFINED          002        0    27600       0
D  HANCOCK JOHN BK & THRIFT    COMMON           409735107      18      2088  SH      DEFINED          001     2088        0       0
D  HANOVER COMMONPRESSOR CO    COMMON           410768105     159      5000  SH      OTHER            001     5000        0       0
D  HARCOURT GEN INC            COMMON           41163G101      17       400  SH      OTHER            001      400        0       0
D  HARLEY DAVIDSON INC         COMMON           412822108      20       400  SH      DEFINED          001      400        0       0
D  HARRAHS ENTMT INC           COMMON           413619107       2        60  SH      DEFINED          001       60        0       0
D  HARTFORD FINANCL SVCS INC   COMMON           416515104       8       200  SH      OTHER            001      200        0       0
D  HARTFORD FINANCL SVCS INC   COMMON           416515104     114      2792  SH      OTHER            002        0        0    2792
D  HARTFORD FINANCL SVCS INC   COMMON           416515104     123      3000  SH      DEFINED          002        0     3000       0
D  HARTFORD INS                COMMON           893939108       1        19  SH      SOLE                       19        0       0
D  HEALTH MGMT ASSOCIATES INC  COMMON           421933102     184     25000  SH      SOLE             001    25000        0       0
D  HEALTHSOUTH CORP.           COMMON           421924101     152     25000  SH      SOLE             001    25000        0       0
D  HEINZ H J CO                COMMON           423074103     197      4575  SH      DEFINED          001     4575        0       0
D  HEINZ H J CO                COMMON           423074103      26       600  SH      OTHER            001      600        0       0
D  HEINZ H J CO                COMMON           423074101     491     11425  SH      OTHER            002        0        0   11425
D  HEINZ H J CO                COMMON           423074101     319      7425  SH      DEFINED          002        0     7425       0
D  HERSHEY FOODS CORP          COMMON           427866108      49      1000  SH      DEFINED          001     1000        0       0
D  HEWLETT PACKARD CO          COMMON           428236103    5526     60890  SH      DEFINED          001    60715        0     175
D  HEWLETT PACKARD CO          COMMON           428236103    1666     18360  SH      OTHER            001    18060        0     300
D  HEWLETT PACKARD CO          COMMON           428236103    1148     12650  SH      OTHER            002        0        0   12650
D  HEWLETT PACKARD CO          COMMON           428236103    3348     36898  SH      DEFINED          002        0    36898       0
D  HIBERNIA CORP.              COMMON           428656102     872     75000  SH      SOLE             001    75000        0       0
D  HIGH INCOME OPPORTUNITY FDI OTHER            42967Q105      30      3300  SH      DEFINED          001     N.A.     N.A.    N.A.
D  HILLENBRAND INDS INC        COMMON           431573104       3       100  SH      DEFINED          001      100        0       0
D  HILLENBRAND INDS INC        COMMON           431573104      20       750  SH      OTHER            001      750        0       0
D  HILTON HOTELS CORP          COMMON           432848109      10      1000  SH      DEFINED          001     1000        0       0
D  HILTON HOTELS CORP          COMMON           432848109      10      1000  SH      OTHER            001     1000        0       0
D  HOME DEPOT INC              COMMON           437076102    3628     52873  SH      DEFINED          001    52873        0       0
D  HOME DEPOT INC              COMMON           437076102    1721     25075  SH      OTHER            001    25075        0       0
D  HOME DEPOT INC              COMMON           437076102    1224     17837  SH      OTHER            002        0        0   17837
D  HOME DEPOT INC              COMMON           437076102    3695     53849  SH      DEFINED          002        0    53849       0
D  HONEYWELL INC               COMMON           438506107      89       800  SH      OTHER            001      800        0       0
D  HONEYWELL INC               COMMON           438506107      45       400  SH      OTHER            002        0        0     400
D  HONEYWELL INC               COMMON           438506107     401      3600  SH      DEFINED          002        0     3600       0
D  HORMEL FOODS CORP           COMMON           440452100      41      1000  SH      DEFINED          001     1000        0       0
D  HOSPITALITY PPTYS TR        COMMON           44106M102      10       437  SH      DEFINED          001      437        0       0
D  HOSPITALITY PPTYS TR        COMMON           44106M102     433     19500  SH      OTHER            002        0        0   19500
D  HOSPITALITY PPTYS TR        COMMON           44106M102     880     39650  SH      DEFINED          002        0    39650       0
D  HOUSEHOLD INTL INC          COMMON           441815107      23       570  SH      DEFINED          001      570        0       0
D  HSB GROUP INC               COMMON           40428N109    1056     30000  SH      SOLE             001    30000        0       0
D  HSB GROUP INC               COMMON           40428N109     888     25245  SH      OTHER            002        0        0   25245
D  HSB GROUP INC               COMMON           40428N109    1619     45998  SH      DEFINED          002        0    45998       0
D  HUBBELL INC CLASS A         COMMON           443510102     572     17000  SH      OTHER            001    17000        0       0
D  HUBBELL INC CLASS B         COMMON           443510201     526     16503  SH      DEFINED          001    16503        0       0
D  HUBBELL INC CLASS B         COMMON           443510201     385     12063  SH      OTHER            001    11988        0      75
D  HUBBELL INC CLASS B         COMMON           443510201      31       968  SH      OTHER            002        0        0     968
D  HUBBELL INC CLASS B         COMMON           443510201     215      6748  SH      DEFINED          002        0     6748       0
D  HUDSON UNITED BANCORP       COMMON           444165104     172      5598  SH      DEFINED          001     5598        0       0
D  HUDSON UNITED BANCORP       COMMON           444165104       3       100  SH      SOLE             001      100        0       0
D  HUDSON UNITED BANCORP       COMMON           444165104     312     10119  SH      DEFINED          002        0    10119       0
D  HUNTINGTON BANCSHARES INC   COMMON           446150104      44      1639  SH      DEFINED          001     1639        0       0
D  I2 TECHNOLOGIES INC         COMMON           465754109      31       800  SH      DEFINED          001      800        0       0
D  IBM                         COMMON           459200101    3933     32500  SH      SOLE             001    32500        0       0
D  IDACORP INC                 COMMON           451107106      15       500  SH      OTHER            001      500        0       0
D  ILLINOIS TOOL WORKS INC     COMMON           45230810      291      3900  SH      OTHER            002        0        0    3900
D  IMATION CORP                COMMON           45245A107       3       100  SH      OTHER            001      100        0       0
D  IMC GLOBAL INC              COMMON           449669100       6       425  SH      OTHER            001      425        0       0
D  IMC GLOBAL INC WT EXP 1/1/0  OTHER           449669118       0       366  SH      DEFINED          001     N.A.     N.A.    N.A.
D  IMMUNEX CORP                COMMON           452528102     121      2800  SH      OTHER            002        0        0    2800
D  IMMUNEX CORP                COMMON           452528102     846     19500  SH      DEFINED          002        0    19500       0
D  IMS HEALTH INC              COMMON           449934108      73      3200  SH      OTHER            001     3200        0       0
D  IMS HEALTH INC              COMMON           449934108     693     30380  SH      OTHER            002        0        0   30380
D  IMS HEALTH INC              COMMON           449934108     584     25600  SH      DEFINED          002        0    25600       0
D  INDEPENDENT ENERGY HLDGS PL COMMON           45384X108     192     10000  SH      OTHER            001    10000        0       0
D  INGERSOLL RAND CO           COMMON           456866102      11       200  SH      DEFINED          001      200        0       0
D  INGERSOLL-RAND CO           COMMON           456866102     105      1920  SH      OTHER            002        0        0    1920
D  INGERSOLL-RAND CO           COMMON           456866102     969     17638  SH      DEFINED          002        0    17638       0
D  INSIGHT COMMUNICATIONS INC  COMMON           45768V108     573     20000  SH      SOLE             001    20000        0       0
D  INTEL CORP                  COMMON           458140100    8823    118731  SH      DEFINED          001   118581        0     150
D  INTEL CORP                  COMMON           458140100    3820     51400  SH      OTHER            001    51250        0     150
D  INTEL CORP                  COMMON           458140100    3344     45000  SH      SOLE             001    45000        0       0
D  INTEL CORP                  COMMON           458140100    1196     16090  SH      OTHER            002        0        0   16090
D  INTEL CORP                  COMMON           458140100    1352     18200  SH      DEFINED          002        0    18200       0
D  INTERLIANT INC.             COMMON           458742103     806     67500  SH      SOLE             001    67500        0       0
D  INTERNATIONAL FLAVORS&FRAGR COMMON           459506101     271      7850  SH      DEFINED          001     7850        0       0
D  INTERNATIONAL FLAVORS&FRAGR COMMON           459506101     162      4700  SH      OTHER            001     4700        0       0
D  INTERNATIONAL PAPER CO      COMMON           460146103      29       594  SH      DEFINED          001      594        0       0
D  INTERNAT'L BUSN'S MACH CORP COMMON           459200101    8031     66372  SH      OTHER            002        0        0   66372
D  INTERNAT'L BUSN'S MACH CORP COMMON           459200101    3001     24798  SH      DEFINED          002        0    24798       0
D  INTERPUBLIC GROUP CO        COMMON           46069010     1110     27000  SH      OTHER            002        0        0   27000
D  INTIMATE BRANDS INC         COMMON           461156101       4       105  SH      DEFINED          001      105        0       0
D  INTL BUSINESS MACHS         COMMON           459200101    5038     41633  SH      DEFINED          001    41633        0       0
D  INTL BUSINESS MACHS         COMMON           459200101    3739     30902  SH      OTHER            001    30902        0       0
D  INTUIT                      COMMON           461202103      10       330  SH      OTHER            001      330        0       0
D  INVESCO GLOBAL HEALTH SCIFD COMMON           46128N109      63      4022  SH      OTHER            002        0        0    4022
D  INVESCO GLOBAL HEALTH SCIFD COMMON           46128N109     187     11953  SH      DEFINED          002        0    11953       0
D  IRISH INVT FD INC           OTHER            462710104      16      1000  SH      DEFINED          001     N.A.     N.A.    N.A.
D  ITT INDS INC                COMMON           450911102       3       100  SH      OTHER            001      100        0       0
D  ITXC CORP.                  COMMON           45069F109     318     10000  SH      SOLE             001    10000        0       0
D  IXC COMMONMUNICATION        COMMON           450713102     789     20000  SH      SOLE             001    20000        0       0
D  JOHN HANCOCK BK&THRFT OPTYFDCOMMON           409735107     297     34900  SH      OTHER            002        0        0   34900
D  JOHN HANCOCK BK&THRFT OPTYFDCOMMON           409735107     495     58215  SH      DEFINED          002        0    58215       0
D  JOHNSON & JOHNSON           COMMON           478160104    5239     57028  SH      DEFINED          001    56853        0     175
D  JOHNSON & JOHNSON           COMMON           478160104    2449     26652  SH      OTHER            001    26652        0       0
D  JOHNSON & JOHNSON           COMMON           478160104    1378     15000  SH      SOLE             001    15000        0       0
D  JOHNSON & JOHNSON INC       COMMON           478160104    3202     34855  SH      OTHER            002        0        0   34855
D  JOHNSON & JOHNSON INC       COMMON           478160104    3355     36520  SH      DEFINED          002        0    36520       0
D  JOHNSON CTLS INC            COMMON           478366107     167      2520  SH      OTHER            001     2520        0       0
D  JONES APPAREL GROUP INC     COMMON           480074103      23       800  SH      DEFINED          001      800        0       0
D  K MART CORP                 COMMON           482584109      11       900  SH      OTHER            001      900        0       0
D  KAMAN CORP                  COMMON           483548103      26      2001  SH      DEFINED          001     2001        0       0
D  KELLOGG CO                  COMMON           487836108      37      1000  SH      OTHER            001     1000        0       0
D  KEYCORP NEW                 COMMON           493267108     781     30240  SH      SOLE             001    30240        0       0
D  KEYCORP NEW                 COMMON           493267108       6       240  SH      SOLE                      240        0       0
D  KIMBERLY CLARK CORP         COMMON           494368103    3386     64198  SH      DEFINED          001    63998        0     200
D  KIMBERLY CLARK CORP         COMMON           494368103    1010     19148  SH      OTHER            001    19148        0       0
D  KIMBERLY-CLARK CORP         COMMON           494368103     116      2200  SH      OTHER            002        0        0    2200
D  KIMBERLY-CLARK CORP         COMMON           494368103    1137     21550  SH      DEFINED          002        0    21550       0
D  KIMCO RLTY CORP             COMMON           49446R109      72      2000  SH      DEFINED          001     2000        0       0
D  KINDER MORGAN ENERGY PRTNR  COMMON           494550106      13       303  SH      OTHER            001      303        0       0
D  KING WORLD PRODUCTIONS      COMMON           495667107     750     20000  SH      SOLE             001    20000        0       0
D  KMART                       COMMON           482584109    1344    115000  SH      SOLE             001   115000        0       0
D  KNIGHT RIDDER               COMMON           499040103      33       600  SH      OTHER            001      600        0       0
D  KONINKLIJKE PHILIPS ELECTRS COMMON           500472204     203      2012  SH      OTHER            001     2012        0       0
D  KRANZCO RLTY TR             COMMON           50076E103      19      1900  SH      DEFINED          001     1900        0       0
D  KRONOS INC                  COMMON           501052104      37      1000  SH      OTHER            001     1000        0       0
D  LABRANCHE & COMPANY         COMMON           505447102      12      1100  SH      SOLE             001     1100        0       0
D  LEHMAN BROS HLDGS INC       COMMON           524908100      35       600  SH      DEFINED          001      600        0       0
D  LEVEL 3 COMMUNICATIONS      COMMON           52729N100    1305     25000  SH      SOLE             001    25000        0       0
D  LEVIATHAN GAS PIPELINE PART COMMON           527367205      46      2000  SH      OTHER            001     2000        0       0
D  LG & E ENERGY CORP          COMMON           501917108      21      1000  SH      DEFINED          001     1000        0       0
D  LIBERTY ALL-STAR GROWTH FND COMMON           529900102     124     12351  SH      DEFINED          002        0    12351       0
D  LILLY ELI & CO              COMMON           532457108     640     10000  SH      SOLE             001    10000        0       0
D  LILLY ELI & CO              COMMON           532457108     164      2550  SH      DEFINED          001     2550        0       0
D  LILLY ELI & CO              COMMON           532457108    1149     17902  SH      OTHER            001    17902        0       0
D  LILLY ELI & CO              COMMON           532457108      83      1286  SH      OTHER            002        0        0    1286
D  LILLY ELI & CO              COMMON           532457108    1508     23500  SH      DEFINED          002        0    23500       0
D  LILLY INDUSTRIES CL A       COMMON           532491107     334     24500  SH      SOLE             001    24500        0       0
D  LIMITED INC                 COMMON           532716107     344      9000  SH      SOLE             001     9000        0       0
D  LOEWS CORP                  COMMON           54042410      239      3400  SH      OTHER            002        0        0    3400
D  LOEWS CORP                  COMMON           54042410      249      3550  SH      DEFINED          002        0     3550       0
D  LONGVIEW FIBRE CO           COMMON           543213102     995     80000  SH      SOLE             001    80000        0       0
D  LORAL SPACE & COMMUNICATION COMMON           G56462107     103      6000  SH      OTHER            001     6000        0       0
D  LOUISIANA PAC CORP          COMMON           546347105      31      2000  SH      DEFINED          001     2000        0       0
D  LOWES COS INC               COMMON           548661107     537     11025  SH      DEFINED          001    11025        0       0
D  LOWES COS INC               COMMON           548661107     139      2850  SH      OTHER            001     2850        0       0
D  LUBRIZOL CORP               COMMON           549271104      51      2000  SH      OTHER            001     2000        0       0
D  LUCENT TECHNOLOGIES INC     COMMON           549463107    2595     40000  SH      SOLE             001    40000        0       0
D  LUCENT TECHNOLOGIES INC     COMMON           549463107    4778     73656  SH      DEFINED          001    72096        0    1560
D  LUCENT TECHNOLOGIES INC     COMMON           549463107    2048     31564  SH      OTHER            001    31118        0     446
D  LUCENT TECHNOLOGIES INC     COMMON           549463107    1137     17529  SH      OTHER            002        0        0   17529
D  LUCENT TECHNOLOGIES INC     COMMON           549463107    2222     34258  SH      DEFINED          002        0    34258       0
D  MACDERMID INC               COMMON           554273102    1666     48900  SH      OTHER            002        0        0   48900
D  MACDERMID INC               COMMON           554273102      61      1800  SH      DEFINED          002        0     1800       0
D  MACK CALI RLTY CORP         COMMON           554489104      94      3500  SH      DEFINED          001     3500        0       0
D  MACK CALI RLTY CORP         COMMON           554489104      94      3500  SH      OTHER            001     3500        0       0
D  MANDALAY RESORT GROUP       COMMON           562567107     889     45000  SH      SOLE             001    45000        0       0
D  MARK IV INDUSTRIES          CONVERT DEBT     570387AN0    1000   1000000  PRN     SOLE             001  1000000        0       0
D  MASCO CORP                  COMMON           574599106     140      4500  SH      DEFINED          001     4500        0       0
D  MASCO CORP                  COMMON           574599106      12       400  SH      OTHER            001      200        0     200
D  MATTEL INC                  COMMON           577081102     333     17500  SH      SOLE             001    17500        0       0
D  MATTEL INC                  COMMON           577081102     152      7986  SH      OTHER            001     7986        0       0
D  MAY DEPT STORES CO          COMMON           577778103     236      6483  SH      DEFINED          001     6483        0       0
D  MAYTAG CORP                 COMMON           578592107      32       950  SH      OTHER            001      950        0       0
D  MBIA INC                    COMMON           55262C100     247      5300  SH      DEFINED          001     5300        0       0
D  MBIA INC                    COMMON           55262C100     564     12100  SH      OTHER            002        0        0   12100
D  MBIA INC                    COMMON           55262C100    1725     37000  SH      DEFINED          002        0    37000       0
D  MBNA CORPORATION            COMMON           55262L100    1027     45000  SH      SOLE             001    45000        0       0
D  MCCORMICK & CO INC          COMMON           579780206     151      4579  SH      OTHER            001     4579        0       0
D  MCDERMOTT INTERNATIONAL COR COMMON           580037109    1519     75000  SH      SOLE             001    75000        0       0
D  MCDONALDS CORP              COMMON           580135101    3133     72450  SH      DEFINED          001    72450        0       0
D  MCDONALDS CORP              COMMON           580135101    1489     34425  SH      OTHER            001    34425        0       0
D  MCDONALDS CORP              COMMON           580135101    2284     52800  SH      OTHER            002        0        0   52800
D  MCDONALDS CORP              COMMON           580135101    1263     29200  SH      DEFINED          002        0    29200       0
D  MCGRAW-HILL INC             COMMON           580645109      39       800  SH      OTHER            001      800        0       0
D  MCGRAW-HILL INC             COMMON           580645109     329      6800  SH      OTHER            002        0        0    6800
D  MCI WORLDCOM INC            COMMON           55268B106    2875     40000  SH      SOLE             001    40000        0       0
D  MCI WORLDCOM INC            COMMON           55268B106    1143     15907  SH      DEFINED          001    15907        0       0
D  MCI WORLDCOM INC            COMMON           55268B106     281      3905  SH      OTHER            001     3905        0       0
D  MCI WORLDCOM INC            COMMON           55268B106    2187     30427  SH      OTHER            002        0        0   30427
D  MCI WORLDCOM INC            COMMON           55268B106    2942     40927  SH      DEFINED          002        0    40927       0
D  MCKESSON HBOC INC.          COMMON           58155Q103     435     15000  SH      SOLE             001    15000        0       0
D  MCMORAN EXPLORATION CO      COMMON           582411104       4       181  SH      DEFINED          001      181        0       0
D  MCN ENERGY GROUP INC        COMMON           55267J100       4       260  SH      OTHER            001      260        0       0
D  MCN ENERGY GROUP INC        COMMON           55267J100     241     14020  SH      OTHER            002        0        0   14020
D  MCN ENERGY GROUP INC        COMMON           55267J100     425     24740  SH      DEFINED          002        0    24740       0
D  MEAD CORP                   COMMON           582834107       7       200  SH      OTHER            001      200        0       0
D  MECH FINL INC               COMMON           583492103      33      1000  SH      OTHER            001     1000        0       0
D  MEDIAONE GROUP INC          COMMON           58440J104      71      1044  SH      DEFINED          001      644        0     400
D  MEDIAONE GROUP INC          COMMON           58440J104     264      3858  SH      OTHER            001     3858        0       0
D  MEDIAONE GROUP INC          COMMON           58440J104     389      5694  SH      OTHER            002        0        0    5694
D  MEDIAONE GROUP INC          COMMON           58440J104     849     12433  SH      DEFINED          002        0    12433       0
D  MEDIMMUNE INC               COMMON           584699102       5        50  SH      DEFINED          001       50        0       0
D  MEDTRONIC INC               COMMON           585055106      11       304  SH      DEFINED          001      304        0       0
D  MEDTRONIC INC               COMMON           585055106     178      5000  SH      OTHER            001     5000        0       0
D  MEDTRONIC INC               COMMON           585055106     497     13980  SH      OTHER            002        0        0   13980
D  MEDTRONIC INC               COMMON           585055106    1140     32069  SH      DEFINED          002        0    32069       0
D  MELLON BANK CORP            COMMON           585509102      20       600  SH      SOLE                      600        0       0
D  MELLON BANK CORP            COMMON           585509102      20       600  SH      SOLE             001      600        0       0
D  MELLON BANK CORP            COMMON           585509102      34      1000  SH      DEFINED          001     1000        0       0
D  MELLON BANK CORP            COMMON           585509102    1500     44600  SH      OTHER            001    44600        0       0
D  MELLON BANK CORP            COMMON           585509102     202      6000  SH      OTHER            002        0        0    6000
D  MELLON BANK CORP            COMMON           585509102     139      4136  SH      DEFINED          002        0     4136       0
D  MERCK & CO INC              COMMON           589331107    4237     65372  SH      DEFINED          001    65372        0       0
D  MERCK & CO INC              COMMON           589331107    3996     61650  SH      OTHER            001    61650        0       0
D  MERCK & CO INC              COMMON           589331107    3241     50000  SH      SOLE             001    50000        0       0
D  MERCK & CO INC              COMMON           589331107    1799     27760  SH      OTHER            002        0        0   27760
D  MERCK & CO INC              COMMON           589331107    2283     35230  SH      DEFINED          002        0    35230       0
D  MERCURY COMPUTER SYS INC    COMMON           589378108     102      3000  SH      OTHER            001     3000        0       0
D  MERRILL LYNCH               COMMON           590188108     336      5000  SH      SOLE             001     5000        0       0
D  MESTEK INC                  COMMON           590829107      31      1570  SH      OTHER            001     1570        0       0
D  METRICOM INC                COMMON           591596101      14       625  SH      DEFINED          001      625        0       0
D  METROMEDIA FIBER NETWORK IN COMMON           591689104       7       300  SH      OTHER            001      300        0       0
D  MFS CHARTER INCOME TR       OTHER            552727109      13      1575  SH      DEFINED          001     N.A.     N.A.    N.A.
D  MFS MULTIMARKET INCOME TR   OTHER            552737108      90     15000  SH      DEFINED          001     N.A.     N.A.    N.A.
D  MICROSOFT CORP              COMMON           594918104    5388     59500  SH      SOLE             001    59500        0       0
D  MICROSOFT CORP              COMMON           594918104    5568     61477  SH      DEFINED          001    61477        0       0
D  MICROSOFT CORP              COMMON           594918104    1405     15510  SH      OTHER            001    15510        0       0
D  MICROSOFT CORP              COMMON           594918104     371      4100  SH      OTHER            002        0        0    4100
D  MICROSOFT CORP              COMMON           594918104    1408     15550  SH      DEFINED          002        0    15550       0
D  MICROVISION INC WASH        COMMON           594960106      40      3000  SH      OTHER            001     3000        0       0
D  MILLIPORE CORP              COMMON           60107310      331      8800  SH      OTHER            002        0        0    8800
D  MILLIPORE CORP              COMMON           60107310       86      2300  SH      DEFINED          002        0     2300       0
D  MINNESOTA MNG & MFG CO      COMMON           604059105    2200     22905  SH      DEFINED          001    22905        0       0
D  MINNESOTA MNG & MFG CO      COMMON           604059105    2020     21030  SH      OTHER            001    21030        0       0
D  MINNESOTA MNG & MFG CO      COMMON           604059105     274      2850  SH      OTHER            002        0        0    2850
D  MINNESOTA MNG & MFG CO      COMMON           604059105     647      6740  SH      DEFINED          002        0     6740       0
D  MIPS TECHNOLOGIES INC.      COMMON           604567107      80      2500  SH      SOLE             001     2500        0       0
D  MOBIL CORP                  COMMON           607059102    1511     15000  SH      SOLE             001    15000        0       0
D  MOBIL CORP                  COMMON           607059102    2927     29050  SH      DEFINED          001    28975        0      75
D  MOBIL CORP                  COMMON           607059102    1844     18306  SH      OTHER            001    18306        0       0
D  MOBIL CORP                  COMMON           607059102    1872     18576  SH      OTHER            002        0        0   18576
D  MOBIL CORP                  COMMON           607059102    2482     24634  SH      DEFINED          002        0    24634       0
D  MONSANTO CO                 COMMON           611662107    1249     35000  SH      SOLE             001    35000        0       0
D  MONSANTO CO                 COMMON           611662107     203      5700  SH      DEFINED          001     5700        0       0
D  MONSANTO CO                 COMMON           611662107     143      4000  SH      OTHER            001     4000        0       0
D  MONSANTO CO                 COMMON           611662107    1133     31755  SH      OTHER            002        0        0   31755
D  MONSANTO CO                 COMMON           611662107    1331     37291  SH      DEFINED          002        0    37291       0
D  MORGAN J P & CO INC         COMMON           616880100    1171     10250  SH      DEFINED          001    10250        0       0
D  MORGAN J P & CO INC         COMMON           616880100     754      6600  SH      OTHER            001     6500        0     100
D  MORGAN J P & CO INC         COMMON           616880100    1416     12397  SH      OTHER            002        0        0   12397
D  MORGAN J P & CO INC         COMMON           616880100    2738     23968  SH      DEFINED          002        0    23968       0
D  MORGAN GRENFELL SMALLCAP FD COMMON           617357108     115     11305  SH      OTHER            002        0        0   11305
D  MORGAN STANLEY DEAN WITTER  COMMON           617446448       7       78   SH      OTHER            001       78        0       0
D  MORGAN STANLEY DEAN WITTER  OTHER            61745P874       6       375  SH      OTHER            001     N.A.     N.A.    N.A.
D  MORGAN STANLEY DEAN WITTER  OTHER            61745P817       7       488  SH      OTHER            001     N.A.     N.A.    N.A.
D  MORGAN STANLEY DEAN WITTER  OTHER            61744M104      20      1700  SH      OTHER            001     N.A.     N.A.    N.A.
D  MOTOROLA INC                COMMON           620076109     880     10000  SH      SOLE             001    10000        0       0
D  MOTOROLA INC                COMMON           620076109      97      1100  SH      DEFINED          001     1100        0       0
D  MOTOROLA INC                COMMON           620076109      31       350  SH      OTHER            001      350        0       0
D  MOTOROLA INC                COMMON           620076109     836      9500  SH      OTHER            002        0        0    9500
D  MOTOROLA INC                COMMON           620076109    1448     16450  SH      DEFINED          002        0    16450       0
D  MUNIENHANCED FD INC         OTHER            626243109      57      5760  SH      OTHER            001     N.A.     N.A.    N.A.
D  MUNIVEST FD INC             OTHER            626295109      19      2250  SH      OTHER            001     N.A.     N.A.    N.A.
D  MUNIYIELD N J INSD FD INC   OTHER            625921101      44      3375  SH      OTHER            001     N.A.     N.A.    N.A.
D  MUSICLAND STORES            COMMON           62758B109     799     90000  SH      SOLE             001    90000        0       0
D  NABISCO GROUP HLDG CORP     COMMON           62952P102      24      1600  SH      DEFINED          001     1600        0       0
D  NABISCO GROUP HOLDINGS      COMMON           62952P102     525     35000  SH      SOLE             001    35000        0       0
D  NATIONAL COMPUTER SYS INC   COMMON           635519101      13       350  SH      OTHER            001      350        0       0
D  NATIONAL SVC INDS INC       COMMON           637657107      63      1998  SH      DEFINED          001     1998        0       0
D  NCR CORP NEW                COMMON           6.29E+112       2        62  SH      OTHER            001       62        0       0
D  NESTLE S.A. ADR             COMMON           641069406     338      3600  SH      OTHER            002        0        0    3600
D  NESTLE S.A. ADR             COMMON           641069406     573      6100  SH      DEFINED          002        0     6100       0
D  NEW CENTY ENERGIES INC      COMMON           64352U103      20       600  SH      DEFINED          001      600        0       0
D  NEW CENTY ENERGIES INC      COMMON           64352U103      16       470  SH      OTHER            001      470        0       0
D  NEW ENG CMNTY BANCORP INC   COMMON           643890106      38      1472  SH      DEFINED          001     1472        0       0
D  NEW ENGLAND ELEC SYS        COMMON           644001109      32       616  SH      DEFINED          001      616        0       0
D  NEW ENGLAND ELEC SYS        COMMON           644001109      45       872  SH      OTHER            001      872        0       0
D  NEW PLAN EXCEL RLTY TR INC  PREFERRED STOCK  648053205      72      3100  SH      DEFINED          001     N.A.     N.A.    N.A.
D  NEW YORK TIMES CO           COMMON           650111107    1745     46533  SH      DEFINED          001    46533        0       0
D  NEW YORK TIMES CO           COMMON           650111107     364      9700  SH      OTHER            001     9700        0       0
D  NEWELL RUBBERMAID INC       COMMON           651229106      54      1891  SH      DEFINED          001     1891        0       0
D  NEWELL RUBBERMAID INC       COMMON           651229106     153      5359  SH      OTHER            001     5359        0       0
D  NIAGARA MOHAWK HLDGS INC    COMMON           653520106      16      1000  SH      DEFINED          001     1000        0       0
D  NIAGARA MOHAWK HLDGS INC    COMMON           653520106      23      1500  SH      OTHER            001     1500        0       0
D  NIELSEN MEDIA RESH INC      COMMON           653929307      20       533  SH      OTHER            001      533        0       0
D  NIKE INC                    COMMON           654106103      40       700  SH      OTHER            001      700        0       0
D  NOKIA                       COMMON           654902204    1123     12500  SH      SOLE             001    12500        0       0
D  NORDSTROM INC               COMMON           655664100     794     29425  SH      DEFINED          001    29425        0       0
D  NORDSTROM INC               COMMON           655664100      86      3200  SH      OTHER            001     3200        0       0
D  NORFOLK & SOUTHERN CORP     COMMON           655844108     645     26325  SH      OTHER            002        0        0   26325
D  NORFOLK & SOUTHERN CORP     COMMON           655844108     460     18774  SH      DEFINED          002        0    18774       0
D  NORFOLK SOUTHN CORP         COMMON           655844108      66      2700  SH      DEFINED          001     2700        0       0
D  NORFOLK SOUTHN CORP         COMMON           655844108      81      3300  SH      OTHER            001     3200        0     100
D  NORTHERN STS PWR CO MINN    COMMON           665772109      20       950  SH      DEFINED          001      950        0       0
D  NORTHERN STS PWR CO MINN    COMMON           665772109      11       500  SH      OTHER            001      500        0       0
D  NOVELL INC                  COMMON           670006105    1810     87475  SH      DEFINED          001    86875        0     600
D  NOVELL INC                  COMMON           670006105      72      3500  SH      OTHER            001     3500        0       0
D  NSTAR                       COMMON           6.70E+111      23       600  SH      DEFINED          001      600        0       0
D  NSTAR                       COMMON           6.70E+111      99      2556  SH      OTHER            001     2556        0       0
D  NTL INC                     COMMON           629407107      77       800  SH      OTHER            001      800        0       0
D  NUVEEN INSD PREM INCOME     OTHER            6706D8104      45      3750  SH      OTHER            001     N.A.     N.A.    N.A.
D  NUVEEN MUN MKT OPPORTUNITY  OTHER            67062W103     182     12500  SH      OTHER            001     N.A.     N.A.    N.A.
D  NUVEEN PERF PLUS MUN FD INC OTHER            67062P108      13      1000  SH      DEFINED          001     N.A.     N.A.    N.A.
D  NUVEEN PERF PLUS MUN FD INC OTHER            67062P108     161     12500  SH      OTHER            001     N.A.     N.A.    N.A.
D  NUVEEN PREM INCOME MUN FD   OTHER            67062T100       6       500  SH      DEFINED          001     N.A.     N.A.    N.A.
D  NUVEEN PREM INCOME MUN FD   OTHER            67062T100      18      1425  SH      OTHER            001     N.A.     N.A.    N.A.
D  OCCIDENTAL PETE CORP        COMMON           674599105      35      1533  SH      DEFINED          001      111        0    1422
D  OCCIDENTAL PETE CORP        COMMON           674599105      27      1172  SH      OTHER            001     1172        0       0
D  OCEAN ENERGY INC TEX        COMMON           6.75E+110      15      1500  SH      DEFINED          001     1500        0       0
D  OCEAN ENERGY INC TEX        COMMON           6.75E+110      25      2500  SH      OTHER            001     2500        0       0
D  OCTEL CORP                  COMMON           675727101       6       525  SH      OTHER            001      525        0       0
D  OMNICOM GROUP               COMMON           681919106      40       500  SH      DEFINED          001      500        0       0
D  ONE LIBERTY PPTYS $1.60 CO  PREFERRED STOCK  682406202       8       500  SH      OTHER            001     N.A.     N.A.    N.A.
D  ONYX PHARMACEUTICALS INC    COMMON           683399109       8      1000  SH      OTHER            001     1000        0       0
D  ORACLE CORP                 COMMON           68389X105    1338     29413  SH      DEFINED          001    29413        0       0
D  ORACLE CORP                 COMMON           68389X105     359      7900  SH      OTHER            001     7900        0       0
D  ORACLE CORP                 COMMON           68389X105     290      6375  SH      OTHER            002        0        0    6375
D  ORACLE CORP                 COMMON           68389X105     560     12300  SH      DEFINED          002        0    12300       0
D  ORACLE CORPORATION          COMMON           68389X105     683     15000  SH      SOLE             001    15000        0       0
D  P P & L RESOURCES INC       COMMON           693499105     303     11200  SH      DEFINED          001    11200        0       0
D  P P & L RESOURCES INC       COMMON           693499105     188      6950  SH      OTHER            001     6650        0     300
D  PACIFICORP                  COMMON           695114108      16       800  SH      DEFINED          001      800        0       0
D  PACIFICORP                  COMMON           695114108      18       880  SH      OTHER            001      880        0       0
D  PAINE WEBBER                COMMON           695629105     725     20000  SH      SOLE             001    20000        0       0
D  PAINE WEBBER GROUP INC      COMMON           695629105     254      7000  SH      OTHER            001     7000        0       0
D  PALL CORP                   COMMON           696429307     139      6000  SH      OTHER            001     6000        0       0
D  PANAMERICAN BEVERAGES INC   COMMON           P74823108      17      1000  SH      DEFINED          001     1000        0       0
D  PARK PLACE                  COMMON           700690100     313     25000  SH      SOLE             001    25000        0       0
D  P-COMMON                    CONVERT DEBT     693262AA5    1000   1000000  PRN     SOLE             001  1000000        0       0
D  PE CORP-PE BIOSYSTEMS GROUP COMMON           69332S102    2341     32405  SH      DEFINED          001    32405        0       0
D  PE CORP-PE BIOSYSTEMS GROUP COMMON           69332S102     188      2600  SH      OTHER            001     2600        0       0
D  PECO ENERGY CO COMMON       COMMON           693304107       4       100  SH      DEFINED          001      100        0       0
D  PECO ENERGY CO COMMON       COMMON           693304107      46      1217  SH      OTHER            001     1217        0       0
D  PENNEY J C INC              COMMON           708160106      28       800  SH      DEFINED          001      800        0       0
D  PENNEY J C INC              COMMON           708160106      28       825  SH      OTHER            001      825        0       0
D  PEOPLES BK BRIDGEPORT       COMMON           710198102     561     23754  SH      DEFINED          001        0        0   23754
D  PEOPLES BK BRIDGEPORT       COMMON           710198102     626     26500  SH      OTHER            001        0        0   26500
D  PEOPLES ENERGY CORP         COMMON           711030106      36      1033  SH      OTHER            001     1033        0       0
D  PEOPLE'S HERITAGE FINL.     COMMON           711147108       2       100  SH      SOLE             001      100        0       0
D  PEP BOYS -MANNY, MOE & JACK COMMON           713278109     669     45000  SH      SOLE             001    45000        0       0
D  PEPSICO                     COMMON           713448108    1830     60000  SH      SOLE             001    60000        0       0
D  PEPSICO INC                 COMMON           713448108     505     16550  SH      DEFINED          001    16550        0       0
D  PEPSICO INC                 COMMON           713448108     658     21574  SH      OTHER            001    21424        0     150
D  PEPSICO INC                 COMMON           713448108    1368     44852  SH      OTHER            002        0        0   44852
D  PEPSICO INC                 COMMON           713448108     509     16684  SH      DEFINED          002        0    16684       0
D  PFIZER                      COMMON           717081103    1435     40000  SH      SOLE             001    40000        0       0
D  PFIZER INC                  COMMON           717081103    2730     76094  SH      DEFINED          001    76094        0       0
D  PFIZER INC                  COMMON           717081103    1871     52143  SH      OTHER            001    52143        0       0
D  PFIZER INC                  COMMON           717081103    2967     82694  SH      OTHER            002        0        0   82694
D  PFIZER INC                  COMMON           717081103    4505    125564  SH      DEFINED          002        0   125564       0
D  PG & E CORP                 COMMON           69331C108      10       400  SH      DEFINED          001        0        0     400
D  PHARMACIA & UPJOHN INC      COMMON           716941109     297      5990  SH      DEFINED          001     5990        0       0
D  PHARMACIA & UPJOHN INC      COMMON           716941109      60      1200  SH      OTHER            001     1200        0       0
D  PHELPS DODGE CORP           COMMON           717265102      33       600  SH      DEFINED          001      600        0       0
D  PHELPS DODGE CORP           COMMON           717265102      44       800  SH      OTHER            001      800        0       0
D  PHILIP MORRIS               COMMON           718154107    1367     40000  SH      SOLE             001    40000        0       0
D  PHILIP MORRIS COMPANIES INC COMMON           718154107     859     25124  SH      OTHER            002        0        0   25124
D  PHILIP MORRIS COMPANIES INC COMMON           718154107    1412     41300  SH      DEFINED          002        0    41300       0
D  PHILIP MORRIS COS INC       COMMON           718154107     444     13000  SH      DEFINED          001    13000        0       0
D  PHILIP MORRIS COS INC       COMMON           718154107     342     10000  SH      OTHER            001    10000        0       0
D  PHILLIPS PETE CO            COMMON           718507106      18       371  SH      DEFINED          001      371        0       0
D  PHILLIPS PETE CO            COMMON           718507106      27       546  SH      OTHER            001      546        0       0
D  PHILLIPS PETROLEUM          COMMON           718507106    1219     25000  SH      SOLE             001    25000        0       0
D  PHILLIPS PETROLEUM CO       COMMON           718507106     122      2500  SH      OTHER            002        0        0    2500
D  PHILLIPS PETROLEUM CO       COMMON           718507106     322      6600  SH      DEFINED          002        0     6600       0
D  PIEDMONT NATURAL GAS INC    COMMON           720186105     221      7300  SH      DEFINED          002        0     7300       0
D  PINNACLE HOLDING INC.       COMMON           72346N101     784     30000  SH      SOLE             001    30000        0       0
D  PITNEY BOWES INC            COMMON           724479100     868     14250  SH      DEFINED          001    14250        0       0
D  PITNEY BOWES INC            COMMON           724479100    1511     24800  SH      OTHER            001    24800        0       0
D  PITNEY BOWES INC            COMMON           724479100     180      2960  SH      OTHER            002        0        0    2960
D  PITNEY BOWES INC            COMMON           724479100      49       800  SH      DEFINED          002        0      800       0
D  PLUM CREEK TIMBER CO INC    COMMON           729251108     102      3250  SH      OTHER            002        0        0    3250
D  PLUM CREEK TIMBER CO INC    COMMON           729251108     329     10500  SH      DEFINED          002        0    10500       0
D  PNC BANK                    COMMON           693475105       5       100  SH      SOLE             001      100        0       0
D  PNC BANK                    COMMON           693475105       5       100  SH      SOLE                      100        0       0
D  PNC BANK CORP               COMMON           693475105     253      4800  SH      DEFINED          002        0     4800       0
D  PPG INDS INC                COMMON           693506107      54       908  SH      DEFINED          001      908        0       0
D  PPG INDUSTRIES INC          COMMON           693506107      18       300  SH      OTHER            002        0        0     300
D  PPG INDUSTRIES INC          COMMON           693506107     204      3400  SH      DEFINED          002        0     3400       0
D  PREMARK INTL INC            COMMON           740459102      11       216  SH      OTHER            001      216        0       0
D  PROCTER & GAMBLE            COMMON           742718109    2813     30000  SH      SOLE             001    30000        0       0
D  PROCTER & GAMBLE CO         COMMON           742718109    3032     32340  SH      DEFINED          001    32340        0       0
D  PROCTER & GAMBLE CO         COMMON           742718109     798      8515  SH      OTHER            001     8015        0     500
D  PROCTER & GAMBLE CO         COMMON           742718109    1350     14400  SH      OTHER            002        0        0   14400
D  PROCTER & GAMBLE CO         COMMON           742718109    1259     13430  SH      DEFINED          002        0    13430       0
D  PROGRESSIVE APPLIED TECH    COMMON           74338H100       0     10000  SH      DEFINED          002        0    10000       0
D  PROMUS HOTEL CORP NEW       COMMON           74342P106       1        27  SH      DEFINED          001       27        0       0
D  PUBLIC SVC ENTERPRISE GRP   COMMON           744573106      54      1400  SH      DEFINED          001     1400        0       0
D  PUBLIC SVC ENTERPRISE GRP   COMMON           744573106      24       625  SH      OTHER            001      625        0       0
D  PUTNAM HIGH INCOME CONV&BDF COMMON           746779107       8      1000  SH      DEFINED          001     1000        0       0
D  QUAKER OATS CO              COMMON           747402105     371      6000  SH      OTHER            001     6000        0       0
D  QUALCOMM INC                COMMON           747525103     114       600  SH      DEFINED          001      600        0       0
D  QUALCOMM INC                COMMON           747525103     568      3000  SH      OTHER            001     3000        0       0
D  R H DONNELLEY CORP          COMMON           74955W307       6       320  SH      OTHER            001      320        0       0
D  RALSTON-RALSTON PURINA GRP  COMMON           751277302     251      9000  SH      DEFINED          002        0     9000       0
D  RAMP NETWORKS INC.          COMMON           751567108     440     20000  SH      SOLE             001    20000        0       0
D  RAYTHEON CO CL A            COMMON           755111309       1        30  SH      OTHER            001       30        0       0
D  RAYTHEON CO CL B            COMMON           755111408      40       800  SH      DEFINED          001      800        0       0
D  RECKSON ASSOCS RLTY CORP    COMMON           75621K106      62      3000  SH      DEFINED          001     3000        0       0
D  RECKSON ASSOCS RLTY CORP    COMMON           75621K106      62      3000  SH      OTHER            001     3000        0       0
D  RELIANT ENERGY INC          COMMON           75952J108     362     13375  SH      DEFINED          001    13375        0       0
D  RELIANT ENERGY INC          COMMON           75952J108     142      5250  SH      OTHER            001     5250        0       0
D  RELIANT ENERGY INC          COMMON           75952J108      46      1700  SH      OTHER            002        0        0    1700
D  RELIANT ENERGY INC          COMMON           75952J108     352     13000  SH      DEFINED          002        0    13000       0
D  RELIASTAR FINL CORP         COMMON           75952U103      20       600  SH      DEFINED          001      600        0       0
D  REPUBLIC NEW YORK           COMMON           760719104      12       200  SH      SOLE                      200        0       0
D  REPUBLIC NEW YORK           COMMON           760719104      12       200  SH      SOLE             001      200        0       0
D  REUTERS GROUP PLC           COMMON           76132M102      60       866  SH      OTHER            001      866        0       0
D  REYNOLDS R J TOB HLDGS INC  COMMON           76182K105      14       532  SH      DEFINED          001      532        0       0
D  RIO TINTO PLC               COMMON           767204100      71      1000  SH      OTHER            001     1000        0       0
D  RITE AID CORP               COMMON           767754104       7       472  SH      OTHER            001      472        0       0
D  RJ REYNOLDS TOBACCO HOLDING COMMON           76182K105     315     11666  SH      SOLE             001    11666        0       0
D  ROCKWELL INTL CORP          COMMON           773903109      21       400  SH      DEFINED          001      400        0       0
D  ROCKWELL INTL CORP          COMMON           773903109     126      2392  SH      OTHER            001     2392        0       0
D  ROPER INDS INC              COMMON           776696106     153      4000  SH      DEFINED          001     4000        0       0
D  ROYAL BK SCOTLAND PLCADR    PREFERRED STOCK  780097309      14       560  SH      OTHER            001     N.A.     N.A.    N.A.
D  ROYAL BK SCOTLAND PFD 8.00% PREFERRED STOCK  780097861      24      1000  SH      DEFINED          001     N.A.     N.A.    N.A.
D  ROYAL BK SCOTLAND PFD 8.00% PREFERRED STOCK  780097861      86      3600  SH      OTHER            001     N.A.     N.A.    N.A.
D  ROYAL DUTCH PETE CO         COMMON           780257804     788     13348  SH      DEFINED          001    13348        0       0
D  ROYAL DUTCH PETE CO         COMMON           780257804     473      8000  SH      OTHER            001     8000        0       0
D  ROYAL DUTCH PETRO-NY SHARES COMMON           780257804     296      5020  SH      OTHER            002        0        0    5020
D  ROYAL DUTCH PETRO-NY SHARES COMMON           780257804    1311     22200  SH      DEFINED          002        0    22200       0
D  ROYCE VALUE TRUST INC       COMMON           780910105     736     59512  SH      OTHER            002        0        0   59512
D  ROYCE VALUE TRUST INC       COMMON           780910105    1455    117584  SH      DEFINED          002        0   117584       0
D  RPM INC OHIO                COMMON           74968510      209     17152  SH      OTHER            002        0        0   17152
D  RYDER SYS INC               COMMON           783549108     483     23700  SH      DEFINED          001    23525        0     175
D  RYDER SYS INC               COMMON           783549108      24      1175  SH      OTHER            001     1175        0       0
D  SALEM COMMUNICATIONS        COMMON           794093104     765     30000  SH      SOLE             001    30000        0       0
D  SALOMON BROS FD INC         OTHER            795477108       4       209  SH      OTHER            001     N.A.     N.A.    N.A.
D  SALOMON BROS HIGH INCOME FD OTHER            79547Q106      80      6500  SH      DEFINED          001     N.A.     N.A.    N.A.
D  SANTA CRUZ OPERATION INC    COMMON           801833104      12      1000  SH      DEFINED          001     1000        0       0
D  SANTA FE INTL CORP          COMMON           G7805C108      13       600  SH      DEFINED          001      600        0       0
D  SANTA FE INTL CORP          COMMON           G7805C108      13       600  SH      OTHER            001      600        0       0
D  SANTA FE SNYDER CORP        COMMON           80218K105       5       557  SH      OTHER            001      557        0       0
D  SAP - AG                    COMMON           803054204     378     10000  SH      SOLE             001    10000        0       0
D  SARA LEE CORP               COMMON           803111103     289     12350  SH      DEFINED          001    12350        0       0
D  SARA LEE CORP               COMMON           803111103     445     19036  SH      OTHER            001    19036        0       0
D  SARA LEE CORP               COMMON           803111103      21       900  SH      OTHER            002        0        0     900
D  SARA LEE CORP               COMMON           803111103     892     38140  SH      DEFINED          002        0    38140       0
D  SBC COMMUNICATIONS          COMMON           78387G103    3004     45000  SH      SOLE             001    45000        0       0
D  SBC COMMUNICATIONS INC      COMMON           78387G103    4823     94461  SH      DEFINED          001    92677        0    1784
D  SBC COMMUNICATIONS INC      COMMON           78387G103    1900     37214  SH      OTHER            001    37214        0       0
D  SBC COMMUNICATIONS INC      COMMON           78387G103    1408     27567  SH      OTHER            002        0        0   27567
D  SBC COMMUNICATIONS INC      COMMON           78387G103    3100     60716  SH      DEFINED          002        0    60716       0
D  SCANA CORP                  COMMON           80589810       81      3350  SH      OTHER            002        0        0    3350
D  SCANA CORP                  COMMON           80589810      346     14310  SH      DEFINED          002        0    14310       0
D  SCHERING PLOUGH CORP        COMMON           806605101     203      4646  SH      DEFINED          001     4646        0       0
D  SCHERING PLOUGH CORP        COMMON           806605101       9       200  SH      OTHER            001      200        0       0
D  SCHERING-PLOUGH CORP        COMMON           806605101    1431     32800  SH      OTHER            002        0        0   32800
D  SCHERING-PLOUGH CORP        COMMON           806605101    1223     28040  SH      DEFINED          002        0    28040       0
D  SCHLUMBERGER LTD            COMMON           806857108    3297     52917  SH      DEFINED          001    52917        0       0
D  SCHLUMBERGER LTD            COMMON           806857108    1489     23900  SH      OTHER            001    23800        0     100
D  SCHLUMBERGER LTD            COMMON           806857108     877     14070  SH      OTHER            002        0        0   14070
D  SCHLUMBERGER LTD            COMMON           806857108     486      7800  SH      DEFINED          002        0     7800       0
D  SEARS ROEBUCK & CO          COMMON           812387108       3       100  SH      OTHER            001      100        0       0
D  SEARS ROEBUCK & CO          COMMON           812387108     628     20000  SH      SOLE             001    20000        0       0
D  SEMPRA ENERGY               COMMON           816851109      21      1000  SH      OTHER            001     1000        0       0
D  SERVICEMASTER CO            COMMON           81760N109     789     49147  SH      OTHER            002        0        0   49147
D  SHAW INDS INC               COMMON           820286102      99      6237  SH      DEFINED          001     6187        0      50
D  SHAW INDS INC               COMMON           820286102       8       500  SH      OTHER            001      500        0       0
D  SHELL TRANSPORT & TRADING   COMMON           822703609    2275     50000  SH      SOLE             001    50000        0       0
D  SHERWIN WILLIAMS CO         COMMON           824348106     363     17350  SH      OTHER            001    17350        0       0
D  SHONEYS INC                 COMMON           825039100       0       100  SH      DEFINED          001      100        0       0
D  SHOP AT HOME INC            COMMON           825066301      14      1500  SH      DEFINED          001     1500        0       0
D  SICOR INC                   COMMON           825846108       4      1000  SH      DEFINED          001        0        0    1000
D  SICOR INC                   COMMON           825846108      20      5000  SH      OTHER            001     5000        0       0
D  SIERRA PAC RES              COMMON           826428104      15       678  SH      OTHER            001      678        0       0
D  SIGCORP INC                 COMMON           826912107     145      5700  SH      OTHER            001     5700        0       0
D  SIGMA-ALDRICH CORP          COMMON           826552101     143      4500  SH      OTHER            002        0        0    4500
D  SIGMA-ALDRICH CORP          COMMON           826552101     216      6800  SH      DEFINED          002        0     6800       0
D  SILICON GRAPHICS            COMMON           827056102     547     50000  SH      SOLE             001    50000        0       0
D  SILICON VY GROUP INC        COMMON           827066101       3       256  SH      DEFINED          001      256        0       0
D  SIMON PPTY GROUP INC NEW    COMMON           828806109      29      1300  SH      DEFINED          001     1300        0       0
D  SIMON PPTY GROUP INC NEW    COMMON           828806109      45      2000  SH      OTHER            001     2000        0       0
D  SMITHKINE BEECHAM           COMMON           832378301     864     15000  SH      SOLE             001    15000        0       0
D  SMITHKLINE BEECHAM PLC ADR5 COMMON           832378301      56       970  SH      DEFINED          001      970        0       0
D  SOLUTIA INC                 COMMON           834376105      14       800  SH      OTHER            001      800        0       0
D  SONAT INC                   COMMON           83541510       40      1000  SH      OTHER            002        0        0    1000
D  SONAT INC                   COMMON           83541510      226      5700  SH      DEFINED          002        0     5700       0
D  SOUTHERN CO                 COMMON           842587107    1207     46862  SH      DEFINED          001    46862        0       0
D  SOUTHERN CO                 COMMON           842587107      41      1600  SH      OTHER            001     1600        0       0
D  SOUTHWEST AIRLS CO          COMMON           844741108     464     30525  SH      DEFINED          001    30525        0       0
D  SOUTHWEST AIRLS CO          COMMON           844741108     119      7850  SH      OTHER            001     7850        0       0
D  SPIEKER PPTYS INC           COMMON           848497103      17       500  SH      DEFINED          001      500        0       0
D  SPRINT CORP COMMON          COMMON           852061100     266      4900  SH      DEFINED          001     4900        0       0
D  SPRINT CORP SER 1           COMMON           852061506     110      1480  SH      DEFINED          001     1480        0       0
D  SPX CORP                    COMMON           784635104      27       300  SH      DEFINED          001      300        0       0
D  SPX CORP                    COMMON           784635104      46       511  SH      OTHER            001      511        0       0
D  STANDEX INTL CORP           COMMON           854231107     162      6000  SH      OTHER            001     6000        0       0
D  STANLEY WKS                 COMMON           854616109      28      1127  SH      OTHER            001     1127        0       0
D  STANLEY WORKS INC           COMMON           854616109     448     17804  SH      OTHER            002        0        0   17804
D  STANLEY WORKS INC           COMMON           854616109     474     18820  SH      DEFINED          002        0    18820       0
D  STAPLES INC                 COMMON           855030102    2825    129525  SH      DEFINED          001   129525        0       0
D  STAPLES INC                 COMMON           855030102     447     20475  SH      OTHER            001    20475        0       0
D  STAPLES INC                 COMMON           855030102     171      7850  SH      OTHER            002        0        0    7850
D  STAPLES INC                 COMMON           855030102     464     21250  SH      DEFINED          002        0    21250       0
D  STARBUCKS CORP              COMMON           855244109     279     11250  SH      DEFINED          001    11250        0       0
D  STARBUCKS CORP              COMMON           855244109     213      8600  SH      OTHER            001     8600        0       0
D  STARTER CORP                COMMON           855684106      13     10700  SH      DEFINED          002        0    10700       0
D  STARWOOD HOTELS&RESORTS WOR COMMON           85590A203       2        92  SH      OTHER            001       92        0       0
D  STATE STREET CORP           COMMON           857477103    3713     57455  SH      DEFINED          001    57330        0     125
D  STATE STREET CORP           COMMON           857477103     496      7675  SH      OTHER            001     7675        0       0
D  STATE STREET CORP           COMMON           857477103     284      4400  SH      OTHER            002        0        0    4400
D  STATE STREET CORP           COMMON           857477103     401      6200  SH      DEFINED          002        0     6200       0
D  STEPAN CO                   COMMON           858586100      36      1600  SH      OTHER            001     1600        0       0
D  STRATEGIC DISTR INC         COMMON           862701208      19      6060  SH      DEFINED          001     6060        0       0
D  SUIZA FOODS CORP.           COMMON           865077101    1688     45000  SH      SOLE             001    45000        0       0
D  SUMMIT BANCORP              COMMON           866005101     652     20100  SH      SOLE             001    20100        0       0
D  SUN MICROSYSTEMS INC        COMMON           866810104    3016     32430  SH      DEFINED          001    32180        0     250
D  SUN MICROSYSTEMS INC        COMMON           866810104     272      2925  SH      OTHER            001     2925        0       0
D  SUN MICROSYSTEMS INC        COMMON           866810104     837      9000  SH      SOLE             001     9000        0       0
D  SUNTRUST BKS INC            COMMON           867914103     122      1850  SH      DEFINED          001     1850        0       0
D  SUPERVALU INC               COMMON           868536103    1752     79425  SH      DEFINED          001    78875        0     550
D  SUPERVALU INC               COMMON           868536103      69      3150  SH      OTHER            001     3150        0       0
D  SYSCO CORP                  COMMON           871829107     621     17700  SH      OTHER            002        0        0   17700
D  SYSCO CORP                  COMMON           871829107    1837     52400  SH      DEFINED          002        0    52400       0
D  TD WATERHOUSE GROUP         COMMON           872362108     194     15000  SH      SOLE             001    15000        0       0
D  TECO ENERGY INC             COMMON           872375100      32      1500  SH      OTHER            001     1500        0       0
D  TELEFONICA DE ESPANA SA ADR COMMON           879382208     159      3318  SH      OTHER            002        0        0    3318
D  TELEFONICA DE ESPANA SA ADR COMMON           879382208     210      4368  SH      DEFINED          002        0     4368       0
D  TELEFONICA SA SPONSORED ADR COMMON           879382208     150      3120  SH      OTHER            001     3120        0       0
D  TELIGENT INC                COMMON           87959Y103       7       150  SH      OTHER            001      150        0       0
D  TEMPLE-INLAND INC           COMMON           879868107      76      1240  SH      OTHER            001     1240        0       0
D  TENNECO                     COMMON           8.80E+105     723     42500  SH      SOLE             001    42500        0       0
D  TENNECO INC NEW             COMMON           8.80E+105       5       300  SH      DEFINED          001      300        0       0
D  TENNECO INC NEW             COMMON           8.80E+105       5       300  SH      OTHER            001      300        0       0
D  TERADYNE INC.               COMMON           880770102     881     25000  SH      SOLE             001    25000        0       0
D  TERAYON COMMUNICATION SYS   COMMON           880775101     147      3000  SH      OTHER            001     3000        0       0
D  TEXACO INC                  COMMON           881694103     417      6608  SH      DEFINED          001     6608        0       0
D  TEXACO INC                  COMMON           881694103     788     12484  SH      OTHER            001    12484        0       0
D  TEXACO INC                  COMMON           881694103    1263     20000  SH      SOLE             001    20000        0       0
D  TEXACO INC                  COMMON           881694103     108      1706  SH      OTHER            002        0        0    1706
D  TEXACO INC                  COMMON           881694103     450      7132  SH      DEFINED          002        0     7132       0
D  TEXAS INDUSTRIES INC        COMMON           882491103     925     25000  SH      SOLE             001    25000        0       0
D  TEXAS INSTRS INC            COMMON           882508104      70       850  SH      DEFINED          001      850        0       0
D  TEXAS INSTRS INC            COMMON           882508104     171      2080  SH      OTHER            001     2080        0       0
D  TEXAS INSTRUMENTS INC       COMMON           882508104    1184     14400  SH      OTHER            002        0        0   14400
D  TEXAS INSTRUMENTS INC       COMMON           882508104     658      8000  SH      DEFINED          002        0     8000       0
D  TEXAS UTILITIES CO          COMMON           88284810       90      2411  SH      OTHER            002        0        0    2411
D  TEXAS UTILITIES CO          COMMON           88284810      366      9800  SH      DEFINED          002        0     9800       0
D  TEXAS UTILS CO HLDG CO      COMMON           882848104     326      8744  SH      DEFINED          001     8744        0       0
D  TEXAS UTILS CO HLDG CO      COMMON           882848104     122      3264  SH      OTHER            001     3264        0       0
D  TEXTRON INC                 COMMON           883203101     255      3300  SH      OTHER            001     3300        0       0
D  TEXTRON INC                 COMMON           883203101     446      5760  SH      DEFINED          002        0     5760       0
D  THERMO ELECTRON CORP        COMMON           883556102      62      4600  SH      OTHER            002        0        0    4600
D  THERMO ELECTRON CORP        COMMON           883556102     144     10700  SH      DEFINED          002        0    10700       0
D  THERMO INSTR SYS INC        COMMON           883559106      38      3515  SH      OTHER            001     3515        0       0
D  THOMAS NELSON               COMMON           640376109    1346    138000  SH      SOLE             001   138000        0       0
D  TIME WARNER INC             COMMON           887315109     265      4364  SH      DEFINED          001     4364        0       0
D  TIME WARNER INC             COMMON           887315109     778     12800  SH      OTHER            001    12800        0       0
D  TIME WARNER INC             COMMON           887315109     636     10468  SH      DEFINED          002        0    10468       0
D  TIMKEN CO                   COMMON           887389104      28      1760  SH      OTHER            001     1760        0       0
D  TMP WORLDWIDE INC           COMMON           872941109       3        45  SH      DEFINED          001       45        0       0
D  TORCHMARK CORP              COMMON           89102710      642     24800  SH      DEFINED          002        0    24800       0
D  TORCHMARK CORP.             COMMON           891027104     776     30000  SH      SOLE             001    30000        0       0
D  TORRINGTON WATER CO         COMMON           891466104    1287     32178  SH      DEFINED          002        0    32178       0
D  TOYS R US INC               COMMON           892335100       6       400  SH      DEFINED          001      400        0       0
D  TOYS R US INC               COMMON           892335100       6       400  SH      OTHER            001      400        0       0
D  TRANSOCEAN OFFSHORE INC     COMMON           G90076103      31      1000  SH      OTHER            001     1000        0       0
D  TRAVELERS INSURANCE         COMMON           416515104     208      2257  SH      SOLE                     2257        0       0
D  TRI CONTINENTAL CORP        COMMON           895436103     176      6029  SH      OTHER            002        0        0    6029
D  TRI CONTINENTAL CORP        COMMON           895436103      44      1521  SH      DEFINED          002        0     1521       0
D  TRICON GLOBAL RESTAURANTS   COMMON           895953107       2        40  SH      DEFINED          001       40        0       0
D  TRICON GLOBAL RESTAURANTS   COMMON           895953107       6       140  SH      OTHER            001      140        0       0
D  TRICON GLOBAL RESTAURANTS   COMMON           895953107     819     20000  SH      SOLE             001    20000        0       0
D  TRUST COMPANY BANCORP       COMMON           898304100      57      2496  SH      OTHER            001     2496        0       0
D  TRW INC                     COMMON           872649108      45       900  SH      OTHER            001      900        0       0
D  TUPPERWARE CORP             COMMON           899896104       4       216  SH      OTHER            001      216        0       0
D  TYCO INTERNATIONAL LTD      COMMON           902124106     335      3247  SH      OTHER            002        0        0    3247
D  TYCO INTERNATIONAL LTD      COMMON           902124106    1348     13053  SH      DEFINED          002        0    13053       0
D  TYCO INTL LTD NEW           COMMON           902124106     940      9106  SH      DEFINED          001     9106        0       0
D  TYCO INTL LTD NEW           COMMON           902124106    1859     18001  SH      OTHER            001    18001        0       0
D  U S INDS INC NEW            COMMON           912080108       2       150  SH      OTHER            001      150        0       0
D  U S WEST INC NEW            COMMON           91273H101      82      1437  SH      DEFINED          001     1027        0     410
D  U S WEST INC NEW            COMMON           91273H101      57      1000  SH      OTHER            001     1000        0       0
D  U.S. BANCORP                COMMON           902973106     117      3885  SH      OTHER            002        0        0    3885
D  U.S. BANCORP                COMMON           902973106     282      9337  SH      DEFINED          002        0     9337       0
D  UNICOMMON CORPORATION       COMMON           904911104     369     10000  SH      SOLE             001    10000        0       0
D  UNILEVER                    COMMON           904784709    1217     17857  SH      SOLE             001    17857        0       0
D  UNILEVER N V NY SHS         COMMON           904784709      67       981  SH      DEFINED          001      981        0       0
D  UNION OIL CO CALIFORNIA     COMMON           915289102     927     25000  SH      SOLE             001    25000        0       0
D  UNION PAC CORP              COMMON           907818108      44       910  SH      DEFINED          001      910        0       0
D  UNION PAC CORP              COMMON           907818108      43       900  SH      OTHER            001      900        0       0
D  UNION PAC RES GROUP INC     COMMON           907834105      62      3809  SH      DEFINED          001     3809        0       0
D  UNION PAC RES GROUP INC     COMMON           907834105       4       254  SH      OTHER            001      254        0       0
D  UNION PACIFIC CORP          COMMON           90781810      178      3705  SH      OTHER            002        0        0    3705
D  UNION PACIFIC CORP          COMMON           90781810       41       850  SH      DEFINED          002        0      850       0
D  UNITED ILLUM CO             COMMON           910637107      76      1577  SH      DEFINED          001     1577        0       0
D  UNITED ILLUM CO             COMMON           910637107      31       650  SH      OTHER            001      650        0       0
D  UNITED TECHNOLOGIES CORP    COMMON           913017109     114      1925  SH      DEFINED          001     1925        0       0
D  UNITED TECHNOLOGIES CORP    COMMON           913017109     273      4600  SH      OTHER            001     4600        0       0
D  UNITED TECHNOLOGIES CORP    COMMON           913017109     410      6906  SH      OTHER            002        0        0    6906
D  UNITED TECHNOLOGIES CORP    COMMON           913017109     359      6060  SH      DEFINED          002        0     6060       0
D  UNITED TECHNOLOGIES CORP    COMMON           913017109    1186     20000  SH      SOLE             001    20000        0       0
D  UNIVERSAL HEALTH RLTY INCOM COMMON           9.14E+109      18      1000  SH      DEFINED          001     1000        0       0
D  UNOCAL CORP                 COMMON           915289102     109      2940  SH      DEFINED          001     2940        0       0
D  UNOCAL CORP                 COMMON           915289102      76      2042  SH      OTHER            002        0        0    2042
D  UNOCAL CORP                 COMMON           915289102     241      6500  SH      DEFINED          002        0     6500       0
D  UNUMPROVIDENT CORP          COMMON           91529Y106      35      1200  SH      OTHER            001     1200        0       0
D  UNUMPROVIDENT CORP          COMMON           91529Y106     475     16150  SH      OTHER            002        0        0   16150
D  UNUMPROVIDENT CORP          COMMON           91529Y106     805     27350  SH      DEFINED          002        0    27350       0
D  US WEST INC                 COMMON           91273H101     606     10628  SH      OTHER            002        0        0   10628
D  US WEST INC                 COMMON           91273H101     741     12985  SH      DEFINED          002        0    12985       0
D  USA VIDEO INTERACTIVE CORP  COMMON           902924208      18     12900  SH      DEFINED          002        0    12900       0
D  USG CORP                    COMMON           903293405       5       101  SH      OTHER            001      101        0       0
D  USX-MARATHON GROUP          COMMON           902905827     266      9100  SH      OTHER            002        0        0    9100
D  USX-MARATHON GROUP          COMMON           902905827     196      6700  SH      DEFINED          002        0     6700       0
D  UTILICORP UTD INC           COMMON           918005109      44      2100  SH      DEFINED          001     2100        0       0
D  V F CORP                    COMMON           918204108      16       500  SH      OTHER            001      500        0       0
D  VAN KAMPEN MUNICIPAL INCOME OTHER            920909108      45      5056  SH      OTHER            001     N.A.     N.A.    N.A.
D  VANTIVE CORP CONVERTIBLE    CONVERT DEBT     922091AA1     400    400000  PRN     SOLE             001   400000        0       0
D  VERTICALNET INC.            COMMON           92532L107     370     10000  SH      SOLE             001    10000        0       0
D  VIATEL INC.                 COMMON           925529208     739     25000  SH      SOLE             001    25000        0       0
D  VIDAMED INC                 COMMON           926530106       1       400  SH      DEFINED          001      400        0       0
D  VODAFONE AIRTOUCH PLC SPADR COMMON           92857T107     167       702  SH      OTHER            002        0        0     702
D  VODAFONE AIRTOUCH PLC SPADR COMMON           92857T107     952      4004  SH      DEFINED          002        0     4004       0
D  VODAFONE GROUP PLC          COMMON           92857T107     372      1565  SH      DEFINED          001     1365        0     200
D  VODAFONE GROUP PLC          COMMON           92857T107     333      1400  SH      OTHER            001     1400        0       0
D  VULCAN MATLS CO             COMMON           929160109      99      2700  SH      OTHER            001     2700        0       0
D  WACHOVIA CORP NEW           COMMON           929771103     189      2400  SH      OTHER            001     2400        0       0
D  WAL MART STORES INC         COMMON           931142103    3108     65345  SH      DEFINED          001    65345        0       0
D  WAL MART STORES INC         COMMON           931142103    1888     39700  SH      OTHER            001    39700        0       0
D  WALGREEN CO                 COMMON           931422109    2286     90100  SH      DEFINED          001    90100        0       0
D  WALGREEN CO                 COMMON           931422109    1433     56490  SH      OTHER            001    56190        0     300
D  WALGREEN CO                 COMMON           931422109    1500     59100  SH      OTHER            002        0        0   59100
D  WALGREEN CO                 COMMON           931422109     320     12600  SH      DEFINED          002        0    12600       0
D  WAL-MART STORES             COMMON           931142103     951     20000  SH      SOLE             001    20000        0       0
D  WAL-MART STORES INC         COMMON           931142103     874     18370  SH      OTHER            002        0        0   18370
D  WAL-MART STORES INC         COMMON           931142103     904     19000  SH      DEFINED          002        0    19000       0
D  WARNER LAMBERT CO           COMMON           934488107    2689     40507  SH      DEFINED          001    40507        0       0
D  WARNER LAMBERT CO           COMMON           934488107     174      2623  SH      OTHER            001     2623        0       0
D  WARNER LAMBERT CO           COMMON           934488107     996     15000  SH      SOLE             001    15000        0       0
D  WARNER-LAMBERT CO           COMMON           934488107     559      8424  SH      OTHER            002        0        0    8424
D  WARNER-LAMBERT CO           COMMON           934488107    1424     21450  SH      DEFINED          002        0    21450       0
D  WASHINGTON GAS LIGHT CO     COMMON           938837101      65      2400  SH      OTHER            002        0        0    2400
D  WASHINGTON GAS LIGHT CO     COMMON           938837101     163      6000  SH      DEFINED          002        0     6000       0
D  WASHINGTON MUT INC          COMMON           939322103       2        78  SH      DEFINED          001       78        0       0
D  WASHINGTON MUTUAL INC       COMMON           939322103     439     15025  SH      OTHER            002        0        0   15025
D  WASHINGTON MUTUAL INC       COMMON           939322103     544     18600  SH      DEFINED          002        0    18600       0
D  WASTE MANAGEMENT INC        COMMON           94106L109     385     20000  SH      SOLE             001    20000        0       0
D  WEATHERFORD INTL INC NEW    COMMON           947074100      10       300  SH      DEFINED          001      300        0       0
D  WEATHERFORD INTL INC NEW    COMMON           947074100      23       730  SH      OTHER            001      730        0       0
D  WEBS INDEX FD INC           OTHER            92923H848       4       500  SH      DEFINED          001     N.A.     N.A.    N.A.
D  WEBSTER FIN CP WATERBURY    COMMON           947890109     545     21390  SH      OTHER            002        0        0   21390
D  WEBSTER FIN CP WATERBURY    COMMON           947890109    1079     42315  SH      DEFINED          002        0    42315       0
D  WEBSTER FINL CORP WATERBURY COMMON           947890109       5       200  SH      DEFINED          001      200        0       0
D  WEBSTER FINL CORP WATERBURY COMMON           947890109     166      6516  SH      OTHER            001     6516        0       0
D  WEBSTER FINL.               COMMON           947890109       3       100  SH      SOLE             001      100        0       0
D  WELLS FARGO & CO NEW        COMMON           949746101    1634     41225  SH      DEFINED          001    41225        0       0
D  WELLS FARGO & CO NEW        COMMON           949746101     182      4600  SH      OTHER            001     4600        0       0
D  WELLS FARGO CO              COMMON           949746101     131      3300  SH      OTHER            002        0        0    3300
D  WELLS FARGO CO              COMMON           949746101     472     11900  SH      DEFINED          002        0    11900       0
D  WELLS FARGO COMPANY         COMMON           949746101    1189     30000  SH      SOLE             001    30000        0       0
D  WESTVACO CORP.              COMMON           961548104     256     10000  SH      SOLE             001    10000        0       0
D  WEYERHAEUSER CO             COMMON           962166104      49       850  SH      OTHER            001      850        0       0
D  WEYERHAEUSER CO             COMMON           962166104     133      2300  SH      OTHER            002        0        0    2300
D  WEYERHAEUSER CO             COMMON           962166104     179      3100  SH      DEFINED          002        0     3100       0
D  WHIRLPOOL CORP              COMMON           963320106      13       200  SH      DEFINED          001      200        0       0
D  WHITMAN CORP.               COMMON           96647R107    1089     76400  SH      SOLE             001    76400        0       0
D  WILLAMETTE INDS INC         COMMON           969133107       4       100  SH      OTHER            001      100        0       0
D  WILLIAMS COS INC            COMMON           969457100      54      1432  SH      DEFINED          001     1432        0       0
D  WILLIAMS COS INC            COMMON           969457100     230      6114  SH      OTHER            001     6114        0       0
D  WILLIAMS COS INC            COMMON           969457100    2643     70254  SH      OTHER            002        0        0   70254
D  WILLIAMS COS INC            COMMON           969457100    4322    114880  SH      DEFINED          002        0   114880       0
D  WINN DIXIE STORES INC       COMMON           974280109      15       500  SH      DEFINED          001      500        0       0
D  WISCONSIN ENERGY CORP       COMMON           976657106      74      3150  SH      OTHER            001     3150        0       0
D  WIT CAPITAL CORP            COMMON           97737K309      91      5000  SH      SOLE             001     5000        0       0
D  XEROX CORP                  COMMON           984121103    2212     52750  SH      DEFINED          001    52750        0       0
D  XEROX CORP                  COMMON           984121103    1016     24235  SH      OTHER            001    24235        0       0
D  XEROX CORP                  COMMON           984121103       3        60  SH      OTHER            002        0        0      60
D  XEROX CORP                  COMMON           984121103     537     12800  SH      DEFINED          002        0    12800       0
D  XILINX INC                  COMMON           983919101      13       200  SH      DEFINED          001      200        0       0
D  YAHOO                       COMMON           984332106     359      2000  SH      SOLE             001     2000        0       0
D  YANKEE ENERGY SYS INC       COMMON           984779108      13       300  SH      OTHER            001      300        0       0
D  YANKEE ENERGY SYSTEM INC    COMMON           984779108      41       950  SH      OTHER            002        0        0     950
D  YANKEE ENERGY SYSTEM INC    COMMON           984779108    1051     24624  SH      DEFINED          002        0    24624       0
D  ZAPATA CORP                 COMMON           989070503      93     18500  SH      SOLE             001    18500        0       0
</TABLE>


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