PEOPLES MUTUAL HOLDINGS
13F-HR, 2000-05-11
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                                UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C.  20549

                                    FORM 13F

                               FORM 13F COVER PAGE

REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 3/31/2000

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: Vice President
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
       05/10/2000

<PAGE>
                              FORM 13F SUMMARY PAGE


REPORT SUMMARY:

NUMBER OF OTHER INCLUDED MANAGERS:                        2

FORM 13F INFORMATION TABLE ENTRY TOTAL:               1,056

FORM 13F INFORMATION TABLE VALUE TOTAL:            $829,851

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 COM CORP.                 COMMON           885535104      556    10000 SH       SOLE             001    10000                0
D  3 COM CORP.                 COMMON           885535104        6      100 SH       DEFINED          001      100        0       0
D  ABBOTT LABORATORIES INC     COMMON           002824100     1568    44550 SH       OTHER            002                     44550
D  ABBOTT LABORATORIES INC     COMMON           002824100     1650    46902 SH       DEFINED          002             46902
D  ABBOTT LABORATORIES INC     COMMON           002824100      523    14850 SH       DEFINED          001    14850        0       0
D  ABBOTT LABORATORIES INC     COMMON           002824100      244     6935 SH       OTHER            001     6935        0       0
D  ACE LTD                     COMMON           G0070K103        5      200 SH       DEFINED          001      200        0       0
D  ACME UTD CORP               COMMON           004816104      217    84492 SH       DEFINED          001    84492        0       0
D  ACNIELSEN CORP              COMMON           004833109       12      533 SH       OTHER            001      533        0       0
D  AETNA INC                   COMMON           008117103       33      600 SH       DEFINED          001      600        0       0
D  AETNA INC                   COMMON           008117103      249     4495 SH       OTHER            002                      4495
D  AETNA INC                   COMMON           008117103       80     1446 SH       DEFINED          002              1446
D  AFLAC INC                   COMMON           001055102      239     5250 SH       OTHER            001     5250        0       0
D  AK STL HLDG CORP            COMMON           001547108        4      382 SH       DEFINED          001      382        0       0
D  ALBERTSONS INC              COMMON           013104104     1809    58575 SH       DEFINED          001    58300        0     275
D  ALBERTSONS INC              COMMON           013104104       94     3050 SH       OTHER            001     3050        0       0
D  ALBERTSON'S INC             COMMON           013104104      114     3700 SH       OTHER            002                      3700
D  ALBERTSON'S INC             COMMON           013104104      470    15220 SH       DEFINED          002             15220
D  ALCATEL                     COMMON           013904305     1566    35000 SH       SOLE             001    35000                0
D  ALCOA INC                   COMMON           013817101      599     8532 SH       DEFINED          001     8532        0       0
D  ALCOA INC                   COMMON           013817101      195     2775 SH       OTHER            001     2775        0       0
D  ALLEGHENY ENERGY INC        COMMON           017361106       19      700 SH       DEFINED          001      700        0       0
D  ALLEGHENY ENERGY INC        COMMON           017361106       36     1293 SH       OTHER            001     1293        0       0
D  ALLSTATE CORP               COMMON           020002101       11      474 SH       DEFINED          001      474        0       0
D  ALLSTATE CORP               COMMON           020002101      100     4184 SH       OTHER            001     4184        0       0
D  ALLTEL CORP                 COMMON           020039103       58      912 SH       DEFINED          001      912        0       0
D  ALLTEL CORP                 COMMON           020039103        8      129 SH       OTHER            001      129        0       0
D  ALLTEL CORP.                COMMON           020039103     1261    20000 SH       SOLE             001    20000                0
D  ALTERA CORP                 COMMON           021441100       18      200 SH       DEFINED          001      200        0       0
D  ALZA CORP COM               COMMON           022615108       56     1500 SH       DEFINED          001     1500        0       0
D  AMAZON COM INC              COMMON           023135106       34      500 SH       DEFINED          001      500        0       0
D  AMEREN CORP                 COMMON           023608102        3      100 SH       DEFINED          001      100        0       0
D  AMEREN CORP                 COMMON           023608102        8      250 SH       OTHER            001      250        0       0
D  AMERICA ONLINE INC          COMMON           02364J104     1076    16000 SH       SOLE             001    16000                0
D  AMERICA ONLINE INC          COMMON           02364J104      117     1730 SH       OTHER            002                      1730
D  AMERICA ONLINE INC          COMMON           02364J104      260     3850 SH       DEFINED          002              3850
D  AMERICA ONLINE INC          COMMON           02364J104     1926    28555 SH       DEFINED          001    28555        0       0
D  AMERICA ONLINE INC          COMMON           02364J104      378     5600 SH       OTHER            001     5600        0       0
D  AMERICAN ANNUITY GROUP INC  COMMON           023840101        1       66 SH       OTHER            001       66        0       0
D  AMERICAN BANK CONN WATERBUR COMMON           024327108     1440    69800 SH       OTHER            002                     69800
D  AMERICAN BANK CONN WATERBUR COMMON           024327108      512    24847 SH       DEFINED          002             24847
D  AMERICAN ELEC PWR INC       COMMON           025537101       70     2337 SH       DEFINED          001     2137        0     200
D  AMERICAN ELEC PWR INC       COMMON           025537101       12      400 SH       OTHER            001      400        0       0
D  AMERICAN EXPRESS CO         COMMON           025816109     1648    11067 SH       DEFINED          001    11067        0       0
D  AMERICAN EXPRESS CO         COMMON           025816109      551     3700 SH       OTHER            001     3700        0       0
D  AMERICAN EXPRESS CO         COMMON           025816109      760     5100 SH       OTHER            002                      5100
D  AMERICAN EXPRESS CO         COMMON           025816109     2509    16843 SH       DEFINED          002             16843
D  AMERICAN GENERAL CORP       COMMON           026351106       10      180 SH       OTHER            002                       180
D  AMERICAN GENERAL CORP       COMMON           026351106      320     5700 SH       DEFINED          002              5700
D  AMERICAN HOME PRODUCTS CORP COMMON           026609107     2839    52825 SH       DEFINED          001    52825        0       0
D  AMERICAN HOME PRODUCTS CORP COMMON           026609107     1540    28657 SH       OTHER            001    28657        0       0
D  AMERICAN HOME PRODUCTS CORP COMMON           026609107     1595    29669 SH       OTHER            002                     29669
D  AMERICAN HOME PRODUCTS CORP COMMON           026609107     2446    45508 SH       DEFINED          002             45508
D  AMERICAN INTERNATIONAL GROU COMMON           026874107     1642    15000 SH       SOLE             001    15000                0
D  AMERICAN INTERNATIONAL GROU COMMON           026874107     5406    49374 SH       OTHER            002                     49374
D  AMERICAN INTERNATIONAL GROU COMMON           026874107    10847    99062 SH       DEFINED          002             99062
D  AMERICAN INTERNATIONAL GROU COMMON           026874107     4861    44395 SH       DEFINED          001    44395        0       0
D  AMERICAN INTERNATIONAL GROU COMMON           026874107     2113    19298 SH       OTHER            001    19298        0       0
D  AMERICAN POWER CONVERSION C COMMON           029066107     2213    51626 SH       OTHER            002                     51626
D  AMERICAN POWER CONVERSION C COMMON           029066107     3732    87041 SH       DEFINED          002             87041
D  AMERICAN STANDARD COS       COMMON           029712106        2       50 SH       DEFINED          001       50        0       0
D  AMERICAN WTR WKS INC        COMMON           030411102       10      404 SH       DEFINED          001      404        0       0
D  AMGEN INC                   COMMON           031162100     1181    19250 SH       DEFINED          001    19250        0       0
D  AMGEN INC                   COMMON           031162100      555     9050 SH       OTHER            001     9050        0       0
D  AMGEN INC                   COMMON           031162100      257     4195 SH       OTHER            002                      4195
D  AMGEN INC                   COMMON           031162100     1362    22191 SH       DEFINED          002             22191
D  ANADARKO PETE CORP          COMMON           032511107       12      300 SH       DEFINED          001      300        0       0
D  ANHEUSER BUSCH              COMMON           035229103     1245    20000 SH       SOLE             001    20000                0
D  ANHEUSER BUSCH COS INC      COMMON           035229103     2211    35525 SH       DEFINED          001    35525        0       0
D  ANHEUSER BUSCH COS INC      COMMON           035229103     1169    18780 SH       OTHER            001    18680        0     100
D  ANHEUSER-BUSCH CO           COMMON           035229103      784    12600 SH       DEFINED          002             12600
D  AON CORP                    COMMON           037389103      276     8550 SH       OTHER            002                      8550
D  AON CORP                    COMMON           037389103       89     2775 SH       DEFINED          002              2775
D  APPLIED MATERIALS           COMMON           038222105      942    10000 SH       SOLE             001    10000                0
D  APPLIED MATLS INC           COMMON           038222105       19      200 SH       DEFINED          001      200        0       0
D  APPLIED MATLS INC           COMMON           038222105      155     1644 SH       OTHER            001     1644        0       0
D  ARCHER DANIELS MIDLAND CO   COMMON           039483102        4      420 SH       OTHER            001      420        0       0
D  ARIBA INC.                  COMMON           04033V104      419     2000 SH       SOLE             001     2000                0
D  ASSOCIATES FIRST CAP CP CL  COMMON           046008108      228    10670 SH       OTHER            002                     10670
D  ASSOCIATES FIRST CAP CP CL  COMMON           046008108      159     7452 SH       DEFINED          002              7452
D  ASSOCIATES FIRST CAPITAL CO COMMON           046008108        9      418 SH       OTHER            001      418        0       0
D  AT & T CORP COM             COMMON           001957109     4088    72591 SH       DEFINED          001    70779        0    1812
D  AT & T CORP COM             COMMON           001957109     1885    33473 SH       OTHER            001    33323        0     150
D  AT & T CORP COM             COMMON           001957109     2816    50000 SH       SOLE             001    50000                0
D  AT & T CORP COM LIBERTY MED COMMON           001957208      119     2000 SH       OTHER            001     2000        0       0
D  AT & T CORP COM             COMMON           001957109     1123    19939 SH       OTHER            002                     19939
D  AT & T CORP COM             COMMON           001957109     2207    39187 SH       DEFINED          002             39187
D  ATLANTIC RICHFIELD CO       COMMON           048825103      243     2860 SH       DEFINED          001     2860        0       0
D  ATLANTIC RICHFIELD CO       COMMON           048825103      502     5900 SH       OTHER            001     5900        0       0
D  AUTOMATIC DATA PROCESSING I COMMON           053015103      101     2100 SH       DEFINED          001     2100        0       0
D  AUTOMATIC DATA PROCESSING I COMMON           053015103      326     6755 SH       OTHER            001     6755        0       0
D  AUTOMATIC DATA PROCESSING I COMMON           053015103     1221    25300 SH       OTHER            002                     25300
D  AUTOMATIC DATA PROCESSING I COMMON           053015103     1860    38550 SH       DEFINED          002             38550
D  AVALONBAY CMNTYS INC        COMMON           053484101       37     1000 SH       DEFINED          001     1000        0       0
D  AVALONBAY CMNTYS INC        COMMON           053484101       73     2000 SH       OTHER            001     2000        0       0
D  AVERY DENNISON CORP         COMMON           053611109       82     1348 SH       OTHER            001     1348        0       0
D  AVNET INC                   COMMON           053807103     2271    36050 SH       DEFINED          001    35900        0     150
D  AVNET INC                   COMMON           053807103      192     3050 SH       OTHER            001     3050        0       0
D  AVNET INC                   COMMON           053807103      784    12450 SH       OTHER            002                     12450
D  AVNET INC                   COMMON           053807103      859    13638 SH       DEFINED          002             13638
D  AVON PRODUCTS               COMMON           054303102     1316    45000 SH       SOLE             001    45000                0
D  AXA FINL INC                COMMON           002451102        3       94 SH       DEFINED          001       94        0       0
D  AXA FINL INC                COMMON           002451102      179     5000 SH       OTHER            001     5000        0       0
D  BANK OF AMERICA CORP        COMMON           060505104      248     4724 SH       DEFINED          001     4724        0       0
D  BANK OF AMERICA CORP        COMMON           060505104      174     3317 SH       OTHER            001     3317        0       0
D  BANK OF AMERICA CORP        COMMON           060505104       80     1528 SH       OTHER            002                      1528
D  BANK OF AMERICA CORP        COMMON           060505104      204     3885 SH       DEFINED          002              3885
D  BANK OF AMERICA CORP        COMMON           060505104     1858    35426 SH       SOLE             001    35426                0
D  BANK OF AMERICA CORP        COMMON           060505104       22      426 SH       SOLE                      426                0
D  BANK OF NEW YORK INC        COMMON           064057102      685    16489 SH       DEFINED          001    16489        0       0
D  BANK OF NEW YORK INC        COMMON           064057102      446    10720 SH       OTHER            001    10720        0       0
D  BANK OF NEW YORK INC        COMMON           064057102       33      800 SH       SOLE             001      800                0
D  BANK OF NEW YORK INC        COMMON           064057102       33      800 SH       SOLE                      800                0
D  BANK OF NEW YORK INC        COMMON           064057102     2612    62843 SH       OTHER            002                     62843
D  BANK OF NEW YORK INC        COMMON           064057102      581    13976 SH       DEFINED          002             13976
D  BANK ONE CORP               COMMON           06423A103       10      300 SH       DEFINED          001      300        0       0
D  BANK ONE CORP               COMMON           06423A103       40     1147 SH       OTHER            001     1147        0       0
D  BANK ONE CORP               COMMON           06423A103      357    10375 SH       OTHER            002                     10375
D  BANK ONE CORP               COMMON           06423A103       58     1696 SH       DEFINED          002              1696
D  BANK ONE CORP.              COMMON           06423A103        5      133 SH       SOLE             001      133                0
D  BANK ONE CORP.              COMMON           06423A103        5      133 SH       SOLE                      133                0
D  BANK TOKYO-MITSUBISHI LTD   COMMON           065379109       85     6000 SH       OTHER            001     6000        0       0
D  BARCLAYS BK PLC AMER DEP NT PREFERRED        06738C836       15      640 SH       OTHER            001     N.A.     N.A.    N.A.
D  BARD C R INC                COMMON           067383109      113     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     1197    19100 SH       OTHER            002                     19100
D  BAXTER INTERNATIONAL INC    COMMON           071813109      962    15350 SH       DEFINED          002             15350
D  BAXTER INTERNATIONAL INC    COMMON           071813109        6      100 SH       DEFINED          001      100        0       0
D  BECTON DICKINSON & CO       COMMON           075887109       55     2100 SH       DEFINED          001     2100        0       0
D  BECTON, DICKINSON & CO      COMMON           075887109       63     2400 SH       OTHER            002                      2400
D  BECTON, DICKINSON & CO      COMMON           075887109      543    20650 SH       DEFINED          002             20650
D  BELL ATLANTIC CORP          COMMON           077853109     1160    18985 SH       DEFINED          001    17217        0    1768
D  BELL ATLANTIC CORP          COMMON           077853109      619    10122 SH       OTHER            001    10122        0       0
D  BELL ATLANTIC CORP          COMMON           077853109      759    12424 SH       OTHER            002                     12424
D  BELL ATLANTIC CORP          COMMON           077853109      960    15698 SH       DEFINED          002             15698
D  BELLSOUTH CORP              COMMON           079860102     3147    67129 SH       DEFINED          001    64829        0    2300
D  BELLSOUTH CORP              COMMON           079860102      637    13594 SH       OTHER            001    13594        0       0
D  BELLSOUTH CORP              COMMON           079860102     1195    25485 SH       OTHER            002                     25485
D  BELLSOUTH CORP              COMMON           079860102      652    13908 SH       DEFINED          002             13908
D  BELO (A.H.) CORP.           COMMON           080555105      447    25000 SH       SOLE             001    25000                0
D  BEMIS INC                   COMMON           081437105       20      550 SH       DEFINED          001      550        0       0
D  BERGEN BRUNSWIG CORP        COMMON           083739102        5      700 SH       DEFINED          001      700        0       0
D  BERKSHIRE HATHAWAY INC CL A COMMON           084670108      972       17 SH       OTHER            002                        17
D  BESTFOODS INC               COMMON           08658U101      178     3800 SH       DEFINED          001     3800        0       0
D  BESTFOODS INC               COMMON           08658U101       47     1000 SH       OTHER            001     1000        0       0
D  BESTFOODS INC               COMMON           08658U101      290     6200 SH       OTHER            002                      6200
D  BESTFOODS INC               COMMON           08658U101     1287    27500 SH       DEFINED          002             27500
D  BIOGEN INC                  COMMON           090597105       14      200 SH       DEFINED          001      200        0       0
D  BLACK & DECKER CORP         COMMON           091797100       38     1000 SH       OTHER            001     1000        0       0
D  BLACK & DECKER CORP.        COMMON           091797100      751    20000 SH       SOLE             001    20000                0
D  BLACKROCK INCOME TR INC     OTHER            09247F100       89    15000 SH       DEFINED          001     N.A.     N.A.    N.A.
D  BMC INDS INC MINN           COMMON           055607105        6     1000 SH       OTHER            001     1000        0       0
D  BOEING CO                   COMMON           097023105     1197    31650 SH       DEFINED          001    31650        0       0
D  BOEING CO                   COMMON           097023105      310     8200 SH       OTHER            001     7600        0     600
D  BOEING CO                   COMMON           097023105      692    18300 SH       OTHER            002                     18300
D  BOEING CO                   COMMON           097023105      164     4336 SH       DEFINED          002              4336
D  BOEING CO.                  COMMON           097023105     1891    50000 SH       SOLE             001    50000                0
D  BP AMOCO PLC ADR            COMMON           055622104     3355    63006 SH       DEFINED          001    63006        0       0
D  BP AMOCO PLC ADR            COMMON           055622104     1293    24284 SH       OTHER            001    24284        0       0
D  BP AMOCO PLC ADR            COMMON           055622104     1038    19496 SH       OTHER            002                     19496
D  BP AMOCO PLC ADR            COMMON           055622104     2535    47604 SH       DEFINED          002             47604
D  BRISTOL MYERS SQUIBB CO     COMMON           110122108     4571    78807 SH       DEFINED          001    77807        0    1000
D  BRISTOL MYERS SQUIBB CO     COMMON           110122108     2748    47371 SH       OTHER            001    47371        0       0
D  BRISTOL-MYERS SQUIBB CO     COMMON           110122108     3251    56056 SH       OTHER            002                     56056
D  BRISTOL-MYERS SQUIBB CO     COMMON           110122108     5025    86636 SH       DEFINED          002             86636
D  BROOKE GROUP LTD            COMMON           112525100        3      210 SH       DEFINED          001      210        0       0
D  BROWN FORMAN CORP CL A      COMMON           115637100       47      900 SH       OTHER            001      900        0       0
D  BROWN TOM INC               COMMON           115660201       18     1000 SH       DEFINED          001     1000        0       0
D  BURLINGTON NORTHN SANTA FE  COMMON           12189T104       41     1800 SH       OTHER            002                      1800
D  BURLINGTON NORTHN SANTA FE  COMMON           12189T104      445    19554 SH       DEFINED          002             19554
D  BURLINGTON NORTHN SANTA FE  COMMON           12189T104       65     2850 SH       DEFINED          001     2100        0     750
D  BURLINGTON NORTHN SANTA FE  COMMON           12189T104      138     6082 SH       OTHER            001     6082        0       0
D  BURLINGTON RES INC          COMMON           122014103       15      400 SH       DEFINED          001        0        0     400
D  BURLINGTON RES INC          COMMON           122014103       52     1394 SH       OTHER            001     1394        0       0
D  BURR-BROWN CORP.            COMMON           122574106      544    10000 SH       SOLE             001    10000                0
D  CABLEVISION SYS CORP        COMMON           12686C109       46      750 SH       DEFINED          001      750        0       0
D  CAMPBELL RES INC NEW        COMMON           134422104        0       32 SH       DEFINED          001       32        0       0
D  CAMPBELL SOUP CO            COMMON           134429109       25      800 SH       DEFINED          001      800        0       0
D  CAMPBELL SOUP CO            COMMON           134429109      185     6000 SH       OTHER            002                      6000
D  CAMPBELL SOUP CO            COMMON           134429109      252     8200 SH       DEFINED          002              8200
D  CAMPBELL SOUP CO.           COMMON           134429109      615    20000 SH       SOLE             001    20000                0
D  CARDINAL HEALTH INC COM     COMMON           14149Y108       71     1550 SH       OTHER            001     1550        0       0
D  CARNIVAL CORP CL A          COMMON           143658102     1961    79025 SH       DEFINED          001    78875        0     150
D  CARNIVAL CORP CL A          COMMON           143658102      127     5100 SH       OTHER            001     5100        0       0
D  CAROLINA PWR & LT CO        COMMON           144141108       45     1400 SH       DEFINED          001     1400        0       0
D  CAROLINA PWR & LT CO        COMMON           144141108       17      532 SH       OTHER            001      532        0       0
D  CATELLUS DEV CORP           COMMON           149111106        6      462 SH       OTHER            001      462        0       0
D  CATERPILLAR INC             COMMON           149123101     1122    28450 SH       DEFINED          001    28450        0       0
D  CATERPILLAR INC             COMMON           149123101      166     4200 SH       OTHER            001     4200        0       0
D  CATERPILLAR INC             COMMON           149123101        8      205 SH       OTHER            002                       205
D  CATERPILLAR INC             COMMON           149123101      706    17900 SH       DEFINED          002             17900
D  CBRL GROUP INC              COMMON           12489V106        1       70 SH       DEFINED          001       70        0       0
D  CBS CORP                    COMMON           12490K107      210     3700 SH       DEFINED          001     3700        0       0
D  CENTRAL & SOUTH WEST CORP   COMMON           152357109        3      150 SH       DEFINED          001      150        0       0
D  CENTRAL & SOUTH WEST CORP   COMMON           152357109       15      904 SH       OTHER            001      904        0       0
D  CENTRAL & SOUTHWEST CORP    COMMON           152357109       38     2200 SH       OTHER            002                      2200
D  CENTRAL & SOUTHWEST CORP    COMMON           152357109      151     8800 SH       DEFINED          002              8800
D  CERIDIAN CORP               COMMON           15677T106        2      120 SH       DEFINED          001      120        0       0
D  CHARTER ONE FINL INC        COMMON           160903100        6      300 SH       DEFINED          001      300        0       0
D  CHASE MANHATTAN CORP        COMMON           16161A108       36      408 SH       SOLE             001      408                0
D  CHASE MANHATTAN CORP        COMMON           16161A108       36      408 SH       SOLE                      408                0
D  CHASE MANHATTAN CORP        COMMON           16161A108      290     3324 SH       OTHER            002                      3324
D  CHASE MANHATTAN CORP        COMMON           16161A108      547     6270 SH       DEFINED          002              6270
D  CHASE MANHATTAN CORP        COMMON           16161A108      241     2760 SH       DEFINED          001     2760        0       0
D  CHASE MANHATTAN CORP        COMMON           16161A108      297     3410 SH       OTHER            001     3410        0       0
D  CHEVRON CORP                COMMON           166751107     1618    17500 SH       DEFINED          001    17425        0      75
D  CHEVRON CORP                COMMON           166751107      438     4740 SH       OTHER            001     4740        0       0
D  CHEVRON CORP                COMMON           166751107      681     7370 SH       OTHER            002                      7370
D  CHEVRON CORP                COMMON           166751107      980    10600 SH       DEFINED          002             10600
D  CHIRON CORP                 COMMON           170040109       46      925 SH       OTHER            002                       925
D  CHIRON CORP                 COMMON           170040109      175     3500 SH       DEFINED          002              3500
D  CHUBB CORP                  COMMON           171232101     3615    53500 SH       DEFINED          001    53500        0       0
D  CHUBB CORP                  COMMON           171232101      513     7600 SH       OTHER            001     7600        0       0
D  CIENA CORP.                 COMMON           171779101      631     5000 SH       SOLE             001     5000                0
D  CIGNA CORP                  COMMON           125509109      219     2886 SH       DEFINED          001     2886        0       0
D  CIGNA CORP                  COMMON           125509109       62      818 SH       OTHER            001      818        0       0
D  CIGNA CORP                  COMMON           125509109      562     7425 SH       OTHER            002                      7425
D  CIGNA CORP                  COMMON           125509109       24      315 SH       DEFINED          002               315
D  CINCINNATI FINANCIAL CORP   COMMON           172062101      187     4959 SH       OTHER            002                      4959
D  CINCINNATI FINANCIAL CORP   COMMON           172062101      560    14880 SH       DEFINED          002             14880
D  CINERGY CORP                COMMON           172474108        2      100 SH       DEFINED          001      100        0       0
D  CIRCUIT CITY STORES INC     COMMON           172737108      609    10000 SH       SOLE             001    10000                0
D  CIRCUIT CITY STORES INC     COMMON           172737108     4182    68690 SH       DEFINED          001    68490        0     200
D  CIRCUIT CITY STORES INC     COMMON           172737108      630    10350 SH       OTHER            001    10350        0       0
D  CISCO SYSTEMS INC           COMMON           17275R102    11083   143358 SH       DEFINED          001   143358        0       0
D  CISCO SYSTEMS INC           COMMON           17275R102     4721    61070 SH       OTHER            001    61070        0       0
D  CISCO SYSTEMS INC           COMMON           17275R102     2319    30000 SH       SOLE             001    30000                0
D  CISCO SYSTEMS INC           COMMON           17275R102     2050    26518 SH       OTHER            002                     26518
D  CISCO SYSTEMS INC           COMMON           17275R102     4314    55804 SH       DEFINED          002             55804
D  CITIGROUP INC               COMMON           172967101     1819    30375 SH       SOLE             001    30375                0
D  CITIGROUP INC               COMMON           172967101       22      375 SH       SOLE                      375                0
D  CITIGROUP INC               COMMON           172967101     3881    64814 SH       DEFINED          001    64814        0       0
D  CITIGROUP INC               COMMON           172967101     1841    30746 SH       OTHER            001    30746        0       0
D  CITIGROUP INC               COMMON           172967101     2564    42831 SH       OTHER            002                     42831
D  CITIGROUP INC               COMMON           172967101     3120    52115 SH       DEFINED          002             52115
D  CITIZENS UTILS CO DEL SER B COMMON           177342201        5      308 SH       DEFINED          001      308        0       0
D  CITRIX SYS INC              COMMON           177376100       20      300 SH       DEFINED          001      300        0       0
D  CLECO CORP NEW              COMMON           12561W105       67     2000 SH       OTHER            001     2000        0       0
D  COASTAL CORP                COMMON           190441105      138     3000 SH       OTHER            001     3000        0       0
D  COCA COLA CO                COMMON           191216100     2779    59201 SH       DEFINED          001    59201        0       0
D  COCA COLA CO                COMMON           191216100     1270    27050 SH       OTHER            001    26925        0     125
D  COCA COLA CO                COMMON           191216100      704    15000 SH       SOLE             001    15000                0
D  COCA-COLA CO                COMMON           191216100      787    16766 SH       OTHER            002                     16766
D  COCA-COLA CO                COMMON           191216100      965    20551 SH       DEFINED          002             20551
D  COLGATE PALMOLIVE CO        COMMON           194162103      586    10400 SH       DEFINED          001    10400        0       0
D  COLGATE PALMOLIVE CO        COMMON           194162103      507     9000 SH       OTHER            001     9000        0       0
D  COLONIAL HIGH INCOME MUN TR OTHER            195743109      136    22000 SH       OTHER            001     N.A.     N.A.    N.A.
D  COMCAST CORP CL A           COMMON           200300101       31      750 SH       DEFINED          001      750        0       0
D  COMCAST CORP CL A SPL       COMMON           200300200       46     1064 SH       DEFINED          001     1064        0       0
D  COMERICA INC                COMMON           200340107       19      450 SH       OTHER            001      450        0       0
D  COMPAQ COMPUTER CORP        COMMON           204493100      173     6400 SH       DEFINED          001     6400        0       0
D  COMPAQ COMPUTER CORP        COMMON           204493100      336    12450 SH       OTHER            001    12300        0     150
D  COMPAQ COMPUTER CORP        COMMON           204493100      669    25000 SH       SOLE             001    25000                0
D  COMPAQ COMPUTER CORP        COMMON           204493100       43     1600 SH       OTHER            002                      1600
D  COMPAQ COMPUTER CORP        COMMON           204493100      178     6642 SH       DEFINED          002              6642
D  COMPUTER ASSOC INTL INC     COMMON           204912109     3993    67462 SH       DEFINED          001    67287        0     175
D  COMPUTER ASSOC INTL INC     COMMON           204912109     1045    17650 SH       OTHER            001    17500        0     150
D  COMPUTER SCIENCES CORP      COMMON           205363104       79     1000 SH       DEFINED          001     1000        0       0
D  CONAGRA INC                 COMMON           205887102       44     2400 SH       OTHER            001     2400        0       0
D  CONAGRA INC                 COMMON           205887102      544    30000 SH       SOLE             001    30000                0
D  CONEXANT SYS INC            COMMON           207142100       28      400 SH       DEFINED          001      400        0       0
D  CONEXANT SYS INC            COMMON           207142100      170     2392 SH       OTHER            001     2392        0       0
D  CONOCO INC CL B             COMMON           208251405       35     1350 SH       DEFINED          001     1350        0       0
D  CONSOLIDATED EDISON INC     COMMON           209115104       14      475 SH       DEFINED          001      475        0       0
D  CONSOLIDATED EDISON INC     COMMON           209115104        9      300 SH       OTHER            001      300        0       0
D  CONSOLIDATED PRODS INC      COMMON           209798107      519    55000 SH       DEFINED          001    55000        0       0
D  CONSTELLATION ENERGY GROUP  COMMON           210371100       67     2100 SH       OTHER            002                      2100
D  CONSTELLATION ENERGY GROUP  COMMON           210371100      134     4196 SH       DEFINED          002              4196
D  CONSTELLATION ENERGY GROUP  COMMON           210371100       38     1200 SH       OTHER            001     1200        0       0
D  COOPER INDS INC             COMMON           216669101       28      800 SH       OTHER            001      800        0       0
D  CORNING INC                 COMMON           219350105      272     1400 SH       DEFINED          001     1400        0       0
D  CORNING INC                 COMMON           219350105      155      800 SH       OTHER            001      800        0       0
D  CORNING INC                 COMMON           219350105      291     1500 SH       OTHER            002                      1500
D  CORNING INC                 COMMON           219350105     2010    10360 SH       DEFINED          002             10360
D  COSTCO WHSL CORP NEW        COMMON           22160K105      926    17625 SH       DEFINED          001    17625        0       0
D  COSTCO WHSL CORP NEW        COMMON           22160K105      163     3100 SH       OTHER            001     3100        0       0
D  COTT CORP QUE               COMMON           22163N106       23     4000 SH       DEFINED          001     4000        0       0
D  CRESCENT REAL ESTATE        COMMON           225756105       32     1800 SH       DEFINED          001     1800        0       0
D  CRESCENT REAL ESTATE        COMMON           225756105       40     2300 SH       OTHER            001     2300        0       0
D  CROWN CORK & SEAL INC       COMMON           228255105        2      100 SH       DEFINED          001      100        0       0
D  CSX CORP                    COMMON           126408103       54     2300 SH       DEFINED          001     2300        0       0
D  CSX CORP                    COMMON           126408103      204     8700 SH       OTHER            001     8700        0       0
D  CTG RES INC                 COMMON           125957100       86     2300 SH       OTHER            001     2300        0       0
D  CUMMINS ENGINE INC          COMMON           231021106       16      420 SH       OTHER            001      420        0       0
D  CVS CORP                    COMMON           126650100      349     9300 SH       OTHER            002                      9300
D  CVS CORP                    COMMON           126650100      932    24806 SH       DEFINED          002             24806
D  DAIMLERCHRYSLER AG          COMMON           D1668R123     1332    20350 SH       DEFINED          001    20350        0       0
D  DAIMLERCHRYSLER AG          COMMON           D1668R123      303     4628 SH       OTHER            001     4503        0     125
D  DALLAS SEMICONDUCTOR        COMMON           235204104      365    10000 SH       SOLE             001    10000                0
D  DANA CORP                   COMMON           235811106       10      371 SH       OTHER            002                       371
D  DANA CORP                   COMMON           235811106      385    13654 SH       DEFINED          002             13654
D  DEERE & CO                  COMMON           244199105     1120    29485 SH       DEFINED          001    29485        0       0
D  DEERE & CO                  COMMON           244199105      178     4685 SH       OTHER            001     4685        0       0
D  DEERE & CO                  COMMON           244199105       23      600 SH       OTHER            002                       600
D  DEERE & CO                  COMMON           244199105      205     5400 SH       DEFINED          002              5400
D  DELL COMPUTER CORP          COMMON           247025109      419     7760 SH       DEFINED          001     7760        0       0
D  DELL COMPUTER CORP          COMMON           247025109      920    17054 SH       OTHER            001    17054        0       0
D  DELL COMPUTER CORP          COMMON           247025109        2       30 SH       OTHER            002                        30
D  DELL COMPUTER CORP          COMMON           247025109      324     6009 SH       DEFINED          002              6009
D  DELPHI AUTOMOTIVE SYS CORP  COMMON           247126105        3      167 SH       DEFINED          001      167        0       0
D  DELPHI AUTOMOTIVE SYS CORP  COMMON           247126105       13      793 SH       OTHER            001      793        0       0
D  DEXTER CORP                 COMMON           252165105       11      200 SH       OTHER            001      200        0       0
D  DIAL CORP NEW               COMMON           25247D101        1       48 SH       DEFINED          001       48        0       0
D  DIANON SYSTEMS              COMMON           252826102      864    42000 SH       SOLE             001    42000                0
D  DIONEX CORP                 COMMON           254546104       33     1000 SH       DEFINED          001     1000        0       0
D  DISNEY (WALT) CO HOLDINGS C COMMON           254687106     1031    25000 SH       SOLE             001    25000                0
D  DISNEY (WALT) CO HOLDINGS C COMMON           254687106      838    20306 SH       OTHER            002                     20306
D  DISNEY (WALT) CO HOLDINGS C COMMON           254687106     2613    63354 SH       DEFINED          002             63354
D  DISNEY (WALT) CO HOLDINGS C COMMON           254687106       78     1900 SH       DEFINED          001     1900        0       0
D  DISNEY (WALT) CO HOLDINGS C COMMON           254687106       15      375 SH       OTHER            001      375        0       0
D  DOMINION RES INC VA NEW     COMMON           25746U109      214     5566 SH       DEFINED          001     5566        0       0
D  DOMINION RES INC VA NEW     COMMON           25746U109      550    14313 SH       OTHER            001    14313        0       0
D  DONNELLEY R R & SONS CO     COMMON           257867101       21     1000 SH       DEFINED          001     1000        0       0
D  DONNELLEY R R & SONS CO     COMMON           257867101       17      800 SH       OTHER            001      800        0       0
D  DOVER CORP                  COMMON           260003108      316     6600 SH       DEFINED          001     6600        0       0
D  DOVER CORP                  COMMON           260003108     1388    29000 SH       OTHER            001    28800        0     200
D  DOW CHEMICAL CO             COMMON           260543103      682     5979 SH       DEFINED          001     5979        0       0
D  DOW CHEMICAL CO             COMMON           260543103     1163    10200 SH       OTHER            001    10200        0       0
D  DOW CHEMICAL CO             COMMON           260543103      758     6648 SH       OTHER            002                      6648
D  DOW CHEMICAL CO             COMMON           260543103     1247    10941 SH       DEFINED          002             10941
D  DQE INC COM                 COMMON           23329J104       38      829 SH       OTHER            001      829        0       0
D  DSL NET INC                 COMMON           262506108        3      150 SH       DEFINED          001      150        0       0
D  DU PONT E I DE NEMOURS & CO COMMON           263534109     3258    61547 SH       DEFINED          001    61547        0       0
D  DU PONT E I DE NEMOURS & CO COMMON           263534109     1258    23770 SH       OTHER            001    23770        0       0
D  DUFF & PHELPS UTIL INCOME I COMMON           264324104      216    24506 SH       OTHER            002                     24506
D  DUFF & PHELPS UTIL INCOME I COMMON           264324104      222    25238 SH       DEFINED          002             25238
D  DUKE ENERGY CORP            COMMON           264399106      118     2250 SH       OTHER            002                      2250
D  DUKE ENERGY CORP            COMMON           264399106      218     4150 SH       DEFINED          002              4150
D  DUKE ENERGY CORP            COMMON           264399106      108     2053 SH       DEFINED          001     2053        0       0
D  DUKE ENERGY CORP            COMMON           264399106       53     1000 SH       OTHER            001     1000        0       0
D  DUN & BRADSTREET CORP DEL   COMMON           26483B106      930    32500 SH       SOLE             001    32500                0
D  DUN & BRADSTREET CORP DEL   COMMON           26483B106       46     1600 SH       OTHER            001     1600        0       0
D  DUPONT (E.I.) DE NEMOURS &  COMMON           263534109      529    10000 SH       SOLE             001    10000                0
D  DUPONT (E.I.) DE NEMOURS &  COMMON           263534109      329     6206 SH       OTHER            002                      6206
D  DUPONT (E.I.) DE NEMOURS &  COMMON           263534109     1670    31550 SH       DEFINED          002             31550
D  E M C CORP MASS             COMMON           268648102     2323    18436 SH       DEFINED          001    18436        0       0
D  E M C CORP MASS             COMMON           268648102      677     5375 SH       OTHER            001     5375        0       0
D  EASTMAN CHEM CO             COMMON           277432100        6      125 SH       DEFINED          001      125        0       0
D  EASTMAN CHEM CO             COMMON           277432100        2       49 SH       OTHER            001       49        0       0
D  EASTMAN KODAK CO            COMMON           277461109       57     1051 SH       DEFINED          001     1051        0       0
D  EASTMAN KODAK CO            COMMON           277461109      143     2628 SH       OTHER            001     2628        0       0
D  EASTMAN KODAK CO            COMMON           277461109      329     6063 SH       OTHER            002                      6063
D  EASTMAN KODAK CO            COMMON           277461109      196     3600 SH       DEFINED          002              3600
D  ECHO BAY MINES LTD          COMMON           278751102        0      200 SH       OTHER            001      200        0       0
D  EL PASO ENERGY CORP DEL     COMMON           283905107       24      600 SH       OTHER            002                       600
D  EL PASO ENERGY CORP DEL     COMMON           283905107      325     8058 SH       DEFINED          002              8058
D  EL PASO ENERGY CORP DEL     COMMON           283905107        2       54 SH       DEFINED          001       54        0       0
D  EL PASO ENERGY CORP DEL     COMMON           283905107       67     1666 SH       OTHER            001     1666        0       0
D  EL PASO ENERGY PARTNERS L P COMMON           28368B102       78     4000 SH       OTHER            001     4000        0       0
D  ELAN CORP PLC ADR           COMMON           284131208       29      600 SH       OTHER            002                       600
D  ELAN CORP PLC ADR           COMMON           284131208      350     7366 SH       DEFINED          002              7366
D  ELECTRONIC DATA SYS CORP NE COMMON           285661104       18      274 SH       DEFINED          001      274        0       0
D  ELECTRONIC DATA SYS CORP NE COMMON           285661104      126     1956 SH       OTHER            001     1956        0       0
D  ELECTRONIC DATA SYSTEMS COR COMMON           285661104     1186    18474 SH       OTHER            002                     18474
D  ELECTRONIC DATA SYSTEMS COR COMMON           285661104     2729    42521 SH       DEFINED          002             42521
D  ELECTRONICS FOR IMAGING INC COMMON           286082102      240     4000 SH       DEFINED          002              4000
D  EMC CORP                    COMMON           268648102     2205    17500 SH       SOLE             001    17500                0
D  EMC CORP                    COMMON           268648102      244     1937 SH       OTHER            002                      1937
D  EMC CORP                    COMMON           268648102      202     1600 SH       DEFINED          002              1600
D  EMERSON ELECTRIC CO         COMMON           291011104     1599    30090 SH       DEFINED          001    30090        0       0
D  EMERSON ELECTRIC CO         COMMON           291011104      961    18084 SH       OTHER            001    18084        0       0
D  EMERSON ELECTRIC CO         COMMON           291011104      228     4300 SH       OTHER            002                      4300
D  EMERSON ELECTRIC CO         COMMON           291011104      472     8888 SH       DEFINED          002              8888
D  ENERGY EAST CORP            COMMON           29266M109       40     2036 SH       DEFINED          001      804        0    1232
D  ENERGY EAST CORP            COMMON           29266M109       10      494 SH       OTHER            001      494        0       0
D  ENGAGE TECHNOLOGIES         COMMON           292827102      305     4000 SH       SOLE             001     4000                0
D  ENRON CORP                  COMMON           293561106     2591    34600 SH       DEFINED          001    34600        0       0
D  ENRON CORP                  COMMON           293561106      621     8300 SH       OTHER            001     8300        0       0
D  ENRON CORP                  COMMON           293561106       90     1200 SH       OTHER            002                      1200
D  ENRON CORP                  COMMON           293561106      621     8300 SH       DEFINED          002              8300
D  EQUIFAX INC                 COMMON           294429105       15      600 SH       DEFINED          001      600        0       0
D  EQUITY INCOME FUND (AT&T)   COMMON           294700703      275     1400 SH       DEFINED          002              1400
D  EQUITY OFFICE PPTYS TR      COMMON           294741103       30     1200 SH       DEFINED          001     1200        0       0
D  EQUITY OFFICE PPTYS TR      COMMON           294741103       30     1200 SH       OTHER            001     1200        0       0
D  EXODUS COMMUNICATIONS INC   COMMON           302088109       42      300 SH       DEFINED          001      300        0       0
D  EXXON MOBIL CORP            COMMON           30231G102     7094    91018 SH       DEFINED          001    88446        0    2572
D  EXXON MOBIL CORP            COMMON           30231G102     3730    47859 SH       OTHER            001    47859        0       0
D  EXXON MOBIL CORP            COMMON           30231G102     5347    68610 SH       OTHER            002                     68610
D  EXXON MOBIL CORP            COMMON           30231G102     7435    95392 SH       DEFINED          002             95392
D  EXXON MOBIL CORP.           COMMON           30231G102     2340    30000 SH       SOLE             001    30000                0
D  FANNIE MAE COM STK          COMMON           313586109      223     3950 SH       OTHER            002                      3950
D  FANNIE MAE COM STK          COMMON           313586109      484     8557 SH       DEFINED          002              8557
D  FANNIE MAE COM STK          COMMON           313586109     4054    71666 SH       DEFINED          001    71666        0       0
D  FANNIE MAE COM STK          COMMON           313586109     2263    40000 SH       OTHER            001    40000        0       0
D  FEDERAL HOME LN MTG CORP    COMMON           313400301       40      900 SH       DEFINED          001      900        0       0
D  FEDERAL RLTY INVT TR        COMMON           313747206        7      350 SH       OTHER            001      350        0       0
D  FEDERATED DEPT. STORES      COMMON           31410H101     1690    40000 SH       SOLE             001    40000                0
D  FEDEX CORPORATION           COMMON           31428X106     2042    52610 SH       DEFINED          001    52610        0       0
D  FEDEX CORPORATION           COMMON           31428X106      450    11600 SH       OTHER            001    11600        0       0
D  FEDEX CORPORATION           COMMON           31428X106      147     3800 SH       OTHER            002                      3800
D  FEDEX CORPORATION           COMMON           31428X106      789    20319 SH       DEFINED          002             20319
D  FIRST DATA CORP             COMMON           319963104      335     7560 SH       OTHER            002                      7560
D  FIRST DATA CORP             COMMON           319963104     1079    24310 SH       DEFINED          002             24310
D  FIRST INTL BANCORP INC      COMMON           32054Q100      123    17500 SH       DEFINED          001    17500        0       0
D  FIRST LITCHFIELD FINANCIAL  COMMON           320724107      308    19237 SH       DEFINED          002             19237
D  FIRST UNION CORP            COMMON           337358105       16      432 SH       SOLE             001      432                0
D  FIRST UNION CORP            COMMON           337358105       16      432 SH       SOLE                      432                0
D  FIRST UNION CORP            COMMON           337358105      135     3613 SH       DEFINED          001     3613        0       0
D  FIRST UNION CORP            COMMON           337358105       72     1934 SH       OTHER            001     1934        0       0
D  FIRST UNION CORP            COMMON           337358105      617    16551 SH       OTHER            002                     16551
D  FIRST UNION CORP            COMMON           337358105       29      766 SH       DEFINED          002               766
D  FLEET BOSTON FINANCIAL CORP COMMON           339030108     1482    40614 SH       SOLE             001    40614                0
D  FLEET BOSTON FINANCIAL CORP COMMON           339030108       22      614 SH       SOLE                      614                0
D  FLEET BOSTON FINANCIAL CORP COMMON           339030108      375    10272 SH       OTHER            002                     10272
D  FLEET BOSTON FINANCIAL CORP COMMON           339030108     1589    43527 SH       DEFINED          002             43527
D  FLEET BOSTON FINANCIAL CORP COMMON           339030108     5009   137227 SH       DEFINED          001   136877        0     350
D  FLEET BOSTON FINANCIAL CORP COMMON           339030108     1252    34289 SH       OTHER            001    34289        0       0
D  FLORIDA PROGRESS CORP       COMMON           341109106       14      300 SH       DEFINED          001      300        0       0
D  FLORIDA PROGRESS CORP       COMMON           341109106       14      300 SH       OTHER            002                       300
D  FLORIDA PROGRESS CORP       COMMON           341109106      381     8315 SH       DEFINED          002              8315
D  FORD MOTOR CO DEL COM       COMMON           345370100      932    20282 SH       OTHER            002                     20282
D  FORD MOTOR CO DEL COM       COMMON           345370100      686    14934 SH       DEFINED          002             14934
D  FORD MOTOR CO DEL COM       COMMON           345370100      100     2175 SH       DEFINED          001     2175        0       0
D  FORD MOTOR CO DEL COM       COMMON           345370100      698    15200 SH       OTHER            001    15200        0       0
D  FORT JAMES CORP             COMMON           347471104        3      150 SH       DEFINED          001      150        0       0
D  FORTUNE BRANDS INC          COMMON           349631101       75     3000 SH       DEFINED          001     3000        0       0
D  FORTUNE BRANDS INC          COMMON           349631101       80     3200 SH       OTHER            001     3200        0       0
D  FORTUNE BRANDS INC.         COMMON           349631101      250    10000 SH       SOLE             001    10000                0
D  FPL GROUP INC               COMMON           302571104     1489    32334 SH       DEFINED          001    32209        0     125
D  FPL GROUP INC               COMMON           302571104      609    13229 SH       OTHER            001    13229        0       0
D  FREDDIE MAC                 COMMON           313400301     1215    27500 SH       SOLE             001    27500                0
D  FUELCELL ENERGY INC         COMMON           35952H106      518     6620 SH       DEFINED          002              6620
D  GANNETT INC                 COMMON           364730101       65      925 SH       DEFINED          001      925        0       0
D  GANNETT INC                 COMMON           364730101      296     4200 SH       OTHER            001     4200        0       0
D  GENERAL AMERICAN INVESTORS  COMMON           368802104      256     6492 SH       OTHER            002                      6492
D  GENERAL ELECTRIC CO         COMMON           369604103    13586    87299 SH       DEFINED          001    87174        0     125
D  GENERAL ELECTRIC CO         COMMON           369604103     8810    56610 SH       OTHER            001    56610        0       0
D  GENERAL ELECTRIC CO         COMMON           369604103     4358    28000 SH       SOLE             001    28000                0
D  GENERAL ELECTRIC CO         COMMON           369604103     7729    49665 SH       OTHER            002                     49665
D  GENERAL ELECTRIC CO         COMMON           369604103    14868    95538 SH       DEFINED          002             95538
D  GENERAL MOTORS CORP         COMMON           370442105      426     5142 SH       OTHER            002                      5142
D  GENERAL MOTORS CORP         COMMON           370442105      274     3312 SH       DEFINED          002              3312
D  GENERAL MOTORS CORP         COMMON           370442105      739     8920 SH       DEFINED          001     8920        0       0
D  GENERAL MOTORS CORP         COMMON           370442105      204     2459 SH       OTHER            001     2459        0       0
D  GENERAL MTRS CORP CL H NEW  COMMON           370442832        2       16 SH       OTHER            001       16        0       0
D  GENRAD INC                  COMMON           372447102       50     4000 SH       OTHER            001     4000        0       0
D  GENUINE PARTS CO            COMMON           372460105        2      100 SH       DEFINED          001      100        0       0
D  GENUINE PARTS CO            COMMON           372460105       27     1125 SH       OTHER            001     1125        0       0
D  GEORGIA PAC CORP            COMMON           373298108        8      200 SH       DEFINED          001      200        0       0
D  GEORGIA PAC CORP            COMMON           373298108       34      872 SH       OTHER            001      872        0       0
D  GERBER SCIENTIFIC INC       COMMON           373730100        8      400 SH       OTHER            001      400        0       0
D  GILLETTE CO                 COMMON           375766102     1176    31205 SH       DEFINED          001    31205        0       0
D  GILLETTE CO                 COMMON           375766102      605    16045 SH       OTHER            001    16045        0       0
D  GILLETTE CO                 COMMON           375766102      641    17000 SH       OTHER            002                     17000
D  GILLETTE CO                 COMMON           375766102      927    24600 SH       DEFINED          002             24600
D  GLAXO WELLCOME PLC SPONSORE COMMON           37733W105        7      125 SH       DEFINED          001      125        0       0
D  GLAXO WELLCOME PLC SPONSORE COMMON           37733W105       57     1000 SH       OTHER            001     1000        0       0
D  GLAXO WELLCOME PLC SPONSORE COMMON           37733W105     1138    19855 SH       OTHER            002                     19855
D  GLAXO WELLCOME PLC SPONSORE COMMON           37733W105     1105    19280 SH       DEFINED          002             19280
D  GLOBAL CROSSING LTD         COMMON           G3921A100      213     5200 SH       DEFINED          001     5200        0       0
D  GLOBAL CROSSING LTD         COMMON           G3921A100      116     2840 SH       OTHER            001     2840        0       0
D  GOLDEN WEST FINANCIAL CORP  COMMON           381317106      281     9000 SH       OTHER            002                      9000
D  GOODRICH B F CO             COMMON           382388106        3      100 SH       DEFINED          001      100        0       0
D  GOODYEAR TIRE & RUBR CO     COMMON           382550101        8      354 SH       DEFINED          001      354        0       0
D  GPU INC                     COMMON           36225X100       33     1205 SH       OTHER            001     1205        0       0
D  GREAT LAKES CHEM CORP       COMMON           390568103       71     2100 SH       OTHER            001     2100        0       0
D  GTE CORP                    COMMON           362320103      696     9808 SH       DEFINED          001     9808        0       0
D  GTE CORP                    COMMON           362320103      277     3906 SH       OTHER            001     3906        0       0
D  GTE CORP                    COMMON           362320103     1420    20000 SH       SOLE             001    20000                0
D  GTE CORP                    COMMON           362320103     1930    27188 SH       OTHER            002                     27188
D  GTE CORP                    COMMON           362320103     2102    29611 SH       DEFINED          002             29611
D  HALLIBURTON CO              COMMON           406216101       95     2300 SH       DEFINED          001     2000        0     300
D  HALLIBURTON CO              COMMON           406216101      103     2510 SH       OTHER            001     2510        0       0
D  HALLIBURTON CO              COMMON           406216101      633    15400 SH       OTHER            002                     15400
D  HALLIBURTON CO              COMMON           406216101     1286    31270 SH       DEFINED          002             31270
D  HANCOCK JOHN BK & THRIFT OP OTHER            409735107       14     2088 SH       DEFINED          001     N.A.     N.A.    N.A.
D  HANCOCK JOHN FINL SVCS INC  COMMON           41014S106        9      500 SH       OTHER            001      500        0       0
D  HANOVER COMPRESSOR CO       COMMON           410768105      114     2000 SH       OTHER            001     2000        0       0
D  HARLEY DAVIDSON INC         COMMON           412822108       32      400 SH       DEFINED          001      400        0       0
D  HARRAHS ENTMT INC           COMMON           413619107        1       60 SH       DEFINED          001       60        0       0
D  HARTFORD FINANCIAL GROUP, I COMMON           416515104     1055    20000 SH       SOLE             001    20000                0
D  HARTFORD FINANCL SVCS GRP I COMMON           416515104      137     2592 SH       OTHER            002                      2592
D  HARTFORD FINANCL SVCS GRP I COMMON           416515104      211     4000 SH       DEFINED          002              4000
D  HARTFORD FINANCL SVCS GRP I COMMON           416515104        6      108 SH       DEFINED          001      108        0       0
D  HARTFORD FINANCL SVCS GRP I COMMON           416515104       11      200 SH       OTHER            001      200        0       0
D  HEINZ (H.J.) CO             COMMON           423074103      405    11625 SH       OTHER            002                     11625
D  HEINZ (H.J.) CO             COMMON           423074103      271     7775 SH       DEFINED          002              7775
D  HEINZ (H.J.) CO             COMMON           423074103      187     5375 SH       DEFINED          001     5375        0       0
D  HEINZ (H.J.) CO             COMMON           423074103       21      600 SH       OTHER            001      600        0       0
D  HEWLETT PACKARD CO          COMMON           428236103      663     5000 SH       SOLE             001     5000                0
D  HEWLETT PACKARD CO          COMMON           428236103     8068    60715 SH       DEFINED          001    60590        0     125
D  HEWLETT PACKARD CO          COMMON           428236103     2440    18360 SH       OTHER            001    18060        0     300
D  HEWLETT PACKARD CO          COMMON           428236103     1531    11550 SH       OTHER            002                     11550
D  HEWLETT PACKARD CO          COMMON           428236103     5618    42382 SH       DEFINED          002             42382
D  HIGH INCOME OPPORTUNITY FD  OTHER            42967Q105       28     3300 SH       DEFINED          001     N.A.     N.A.    N.A.
D  HILLENBRAND INDS INC        COMMON           431573104       26      750 SH       OTHER            001      750        0       0
D  HILTON HOTELS CORP          COMMON           432848109        8     1032 SH       DEFINED          001     1032        0       0
D  HOME DEPOT INC              COMMON           437076102     4703    72914 SH       DEFINED          001    72914        0       0
D  HOME DEPOT INC              COMMON           437076102     2192    33987 SH       OTHER            001    33987        0       0
D  HOME DEPOT INC              COMMON           437076102      645    10000 SH       SOLE             001    10000                0
D  HOME DEPOT INC              COMMON           437076102     1402    21729 SH       OTHER            002                     21729
D  HOME DEPOT INC              COMMON           437076102     4470    69298 SH       DEFINED          002             69298
D  HOMESTAKE MINING CO         COMMON           437614100       60    10000 SH       DEFINED          002             10000
D  HONEYWELL INTERNATIONAL INC COMMON           438516106      152     2882 SH       OTHER            002                      2882
D  HONEYWELL INTERNATIONAL INC COMMON           438516106      574    10900 SH       DEFINED          002             10900
D  HONEYWELL INTERNATIONAL INC COMMON           438516106      199     3780 SH       DEFINED          001     3780        0       0
D  HONEYWELL INTERNATIONAL INC COMMON           438516106      378     7179 SH       OTHER            001     7179        0       0
D  HORMEL FOODS CORP           COMMON           440452100       33     2000 SH       DEFINED          001     2000        0       0
D  HOSPITALITY PROPERTIES TRUS COMMON           44106M102        9      437 SH       DEFINED          001      437        0       0
D  HOSPITALITY PROPERTIES TRUS COMMON           44106M102      336    16600 SH       OTHER            002                     16600
D  HOSPITALITY PROPERTIES TRUS COMMON           44106M102      888    43833 SH       DEFINED          002             43833
D  HOUSEHOLD INTL INC          COMMON           441815107       21      570 SH       DEFINED          001      570        0       0
D  HSB GROUP INC               COMMON           40428N109      725    25045 SH       OTHER            002                     25045
D  HSB GROUP INC               COMMON           40428N109     1326    45807 SH       DEFINED          002             45807
D  HSB GROUP, INC.             COMMON           40428N109      868    30000 SH       SOLE             001    30000                0
D  HUBBELL INC CLASS B         COMMON           443510201       26      968 SH       OTHER            002                       968
D  HUBBELL INC CLASS B         COMMON           443510201      185     6748 SH       DEFINED          002              6748
D  HUBBELL INC CLASS A         COMMON           443510102      412    16000 SH       OTHER            001    16000        0       0
D  HUBBELL INC CLASS B         COMMON           443510201      456    16653 SH       DEFINED          001    16653        0       0
D  HUBBELL INC CLASS B         COMMON           443510201      306    11189 SH       OTHER            001    11114        0      75
D  HUDSON UNITED BANCORP       COMMON           444165104      125     5785 SH       DEFINED          001     5785        0       0
D  HUDSON UNITED BANCORP       COMMON           444165104        2      103 SH       SOLE             001      103                0
D  HUDSON UNITED BANCORP       COMMON           444165104      226    10421 SH       DEFINED          002             10421
D  HUNTINGTON BANCSHARES INC   COMMON           446150104       37     1639 SH       DEFINED          001     1639        0       0
D  INTERNAT'L BUSN'S MACH CORP COMMON           459200101     2723    23000 SH       SOLE             001    23000                0
D  IDACORP INC                 COMMON           451107106       17      500 SH       OTHER            001      500        0       0
D  ILLINOIS TOOL WKS INC       COMMON           452308109       10      174 SH       OTHER            001      174        0       0
D  IMATION CORP                COMMON           45245A107        3      100 SH       OTHER            001      100        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      362     5700 SH       OTHER            002                      5700
D  IMMUNEX CORP                COMMON           452528102     2855    45000 SH       DEFINED          002             45000
D  IMS HEALTH INC              COMMON           449934108        8      500 SH       DEFINED          001      500        0       0
D  IMS HEALTH INC              COMMON           449934108      156     9200 SH       OTHER            001     9200        0       0
D  IMS HEALTH INC              COMMON           449934108      481    28380 SH       OTHER            002                     28380
D  IMS HEALTH INC              COMMON           449934108      257    15200 SH       DEFINED          002             15200
D  INFINITY BROADCASTING       COMMON           45662S102      324    10000 SH       SOLE             001    10000                0
D  INGERSOLL-RAND CO           COMMON           456866102       85     1920 SH       OTHER            002                      1920
D  INGERSOLL-RAND CO           COMMON           456866102      838    18932 SH       DEFINED          002             18932
D  INGRAM MICRO INC            COMMON           457153104        2      100 SH       DEFINED          001      100        0       0
D  INTEL CORP                  COMMON           458140100    14012   106205 SH       DEFINED          001   106055        0     150
D  INTEL CORP                  COMMON           458140100     6472    49050 SH       OTHER            001    48900        0     150
D  INTEL CORP                  COMMON           458140100     2903    22000 SH       SOLE             001    22000                0
D  INTEL CORP                  COMMON           458140100     1727    13090 SH       OTHER            002                     13090
D  INTEL CORP                  COMMON           458140100     2874    21786 SH       DEFINED          002             21786
D  INTERNATIONAL FLAVORS & FRA COMMON           459506101      282     8050 SH       DEFINED          001     8050        0       0
D  INTERNATIONAL FLAVORS & FRA COMMON           459506101      165     4700 SH       OTHER            001     4700        0       0
D  INTERNATIONAL PAPER CO      COMMON           460146103       15      350 SH       DEFINED          001      350        0       0
D  INTERNAT'L BUSN'S MACH CORP COMMON           459200101     7526    63779 SH       OTHER            002                     63779
D  INTERNAT'L BUSN'S MACH CORP COMMON           459200101     3755    31826 SH       DEFINED          002             31826
D  INTERPUBLIC GROUP CO        COMMON           460690100     1276    27000 SH       OTHER            002                     27000
D  INTL BUSINESS MACHS         COMMON           459200101     5652    47898 SH       DEFINED          001    47898        0       0
D  INTL BUSINESS MACHS         COMMON           459200101     3656    30983 SH       OTHER            001    30983        0       0
D  INTUIT                      COMMON           461202103       18      330 SH       OTHER            001      330        0       0
D  INVESCO GLOBAL HEALTH SCI F COMMON           46128N109       51     3009 SH       OTHER            002                      3009
D  INVESCO GLOBAL HEALTH SCI F COMMON           46128N109      184    10777 SH       DEFINED          002             10777
D  ITT INDS INC                COMMON           450911102        2       80 SH       DEFINED          001       80        0       0
D  JOHN HANCOCK BK&THRFT OPTY  COMMON           409735107      241    34800 SH       OTHER            002                     34800
D  JOHN HANCOCK BK&THRFT OPTY  COMMON           409735107      365    52618 SH       DEFINED          002             52618
D  JOHNSON & JOHNSON           COMMON           478160104     4943    70358 SH       DEFINED          001    70183        0     175
D  JOHNSON & JOHNSON           COMMON           478160104     1813    25807 SH       OTHER            001    25807        0       0
D  JOHNSON & JOHNSON INC       COMMON           478160104     2392    34055 SH       OTHER            002                     34055
D  JOHNSON & JOHNSON INC       COMMON           478160104     2653    37760 SH       DEFINED          002             37760
D  JOHNSON CTLS INC            COMMON           478366107      136     2520 SH       OTHER            001     2520        0       0
D  JONES APPAREL GROUP INC     COMMON           480074103       25      800 SH       DEFINED          001      800        0       0
D  K MART CORP                 COMMON           482584109        9      900 SH       OTHER            001      900        0       0
D  KAMAN CORP                  COMMON           483548103       20     2001 SH       DEFINED          001     2001        0       0
D  KELLOGG CO                  COMMON           487836108       26     1000 SH       OTHER            001     1000        0       0
D  KERR MCGEE CORP             COMMON           492386107        4       76 SH       DEFINED          001       76        0       0
D  KERR MCGEE CORP CONV 7.500% COMMON           492386AL1       11    12000 PRN      DEFINED          001     N.A.     N.A.    N.A.
D  KEYCORP NEW                 COMMON           493267108        5      240 SH       SOLE             001      240                0
D  KEYCORP NEW                 COMMON           493267108        5      240 SH       SOLE                      240                0
D  KIMBERLY CLARK CORP         COMMON           494368103     3689    65798 SH       DEFINED          001    65598        0     200
D  KIMBERLY CLARK CORP         COMMON           494368103     1071    19098 SH       OTHER            001    19098        0       0
D  KIMBERLY-CLARK CORP         COMMON           494368103       72     1293 SH       OTHER            002                      1293
D  KIMBERLY-CLARK CORP         COMMON           494368103     1177    21000 SH       DEFINED          002             21000
D  KIMCO RLTY CORP             COMMON           49446R109       75     2000 SH       DEFINED          001     2000        0       0
D  KNIGHT RIDDER               COMMON           499040103       31      600 SH       OTHER            001      600        0       0
D  KONINKLIJKE PHILIPS ELECTRI COMMON           500472204      247     1440 SH       DEFINED          002              1440
D  KOPIN CORP                  COMMON           500600101      309     4500 SH       OTHER            002                      4500
D  KOPIN CORP                  COMMON           500600101      413     6000 SH       DEFINED          002              6000
D  KRONOS INC                  COMMON           501052104       30     1000 SH       OTHER            001     1000        0       0
D  LASER VISION CTRS INC       COMMON           51807H100       10     1500 SH       OTHER            001     1500        0       0
D  LEHMAN BROS HLDGS INC       COMMON           524908100       24      250 SH       DEFINED          001      250        0       0
D  LILLY (ELI)  & CO           COMMON           532457108      939    15000 SH       SOLE             001    15000                0
D  LILLY (ELI) & CO            COMMON           532457108       81     1286 SH       OTHER            002                      1286
D  LILLY (ELI) & CO            COMMON           532457108     1521    24280 SH       DEFINED          002             24280
D  LILLY (ELI) & CO            COMMON           532457108      314     5017 SH       DEFINED          001     5017        0       0
D  LILLY (ELI) & CO            COMMON           532457108     1121    17902 SH       OTHER            001    17902        0       0
D  LOCKHEED MARTIN CORP        COMMON           539830109       16      800 SH       DEFINED          001      800        0       0
D  LOEWS CORP                  COMMON           540424108       17      342 SH       DEFINED          001      342        0       0
D  LOEWS CORP                  COMMON           540424108      170     3400 SH       OTHER            002                      3400
D  LOEWS CORP                  COMMON           540424108      178     3550 SH       DEFINED          002              3550
D  LONGVIEW FIBRE CO           COMMON           543213102      369    25000 SH       SOLE             001    25000                0
D  LORAL SPACE & COMMUNICATION COMMON           G56462107      101    10000 SH       OTHER            001    10000        0       0
D  LOUISIANA PAC CORP          COMMON           546347105       28     2000 SH       DEFINED          001     2000        0       0
D  LOWES COS INC               COMMON           548661107      632    10825 SH       DEFINED          001    10825        0       0
D  LOWES COS INC               COMMON           548661107      181     3100 SH       OTHER            001     3100        0       0
D  LUCENT TECHNOLOGIES INC     COMMON           549463107     1550    25000 SH       SOLE             001    25000                0
D  LUCENT TECHNOLOGIES INC     COMMON           549463107     7691   125572 SH       DEFINED          001   124012        0    1560
D  LUCENT TECHNOLOGIES INC     COMMON           549463107     2502    40845 SH       OTHER            001    40399        0     446
D  LUCENT TECHNOLOGIES INC     COMMON           549463107     1223    19725 SH       OTHER            002                     19725
D  LUCENT TECHNOLOGIES INC     COMMON           549463107     2614    42156 SH       DEFINED          002             42156
D  MACDERMID INC               COMMON           554273102      806    30400 SH       OTHER            002                     30400
D  MACDERMID INC               COMMON           554273102       48     1800 SH       DEFINED          002              1800
D  MACK CALI RLTY CORP         COMMON           554489104       89     3500 SH       DEFINED          001     3500        0       0
D  MACK CALI RLTY CORP         COMMON           554489104       89     3500 SH       OTHER            001     3500        0       0
D  MATTEL INC                  COMMON           577081102       84     7986 SH       OTHER            001     7986        0       0
D  MAY DEPT STORES CO          COMMON           577778103       93     3258 SH       DEFINED          001     3258        0       0
D  MAYTAG CORP                 COMMON           578592107       31      950 SH       OTHER            001      950        0       0
D  MBIA INC                    COMMON           55262C100      312     6000 SH       DEFINED          001     6000        0       0
D  MBIA INC                    COMMON           55262C100      536    10300 SH       OTHER            002                     10300
D  MBIA INC                    COMMON           55262C100     2103    40395 SH       DEFINED          002             40395
D  MBNA CORPORATION            COMMON           55262L100      638    25000 SH       SOLE             001    25000                0
D  MCCORMICK & CO INC COM NON  COMMON           579780206      148     4579 SH       OTHER            001     4579        0       0
D  MCDONALDS CORP              COMMON           580135101     2827    75650 SH       DEFINED          001    75650        0       0
D  MCDONALDS CORP              COMMON           580135101     1347    36050 SH       OTHER            001    36050        0       0
D  MCDONALDS CORP              COMMON           580135101     1846    49400 SH       OTHER            002                     49400
D  MCDONALDS CORP              COMMON           580135101     1266    33877 SH       DEFINED          002             33877
D  MCGRAW-HILL INC             COMMON           580645109       36      800 SH       OTHER            001      800        0       0
D  MCGRAW-HILL INC             COMMON           580645109      282     6200 SH       OTHER            002                      6200
D  MCI WORLDCOM INC            COMMON           55268B106     1223    27000 SH       SOLE             001    27000                0
D  MCI WORLDCOM INC            COMMON           55268B106     2568    56683 SH       DEFINED          001    56683        0       0
D  MCI WORLDCOM INC            COMMON           55268B106      629    13882 SH       OTHER            001    13882        0       0
D  MCI WORLDCOM INC            COMMON           55268B106     2141    47239 SH       OTHER            002                     47239
D  MCI WORLDCOM INC            COMMON           55268B106     3592    79260 SH       DEFINED          002             79260
D  MCMORAN EXPLORATION CO      COMMON           582411104        3      181 SH       DEFINED          001      181        0       0
D  MCN ENERGY GROUP INC        COMMON           55267J100      318    12720 SH       OTHER            002                     12720
D  MCN ENERGY GROUP INC        COMMON           55267J100      409    16340 SH       DEFINED          002             16340
D  MEDIAONE GROUP INC          COMMON           58440J104       65      804 SH       DEFINED          001      404        0     400
D  MEDIAONE GROUP INC          COMMON           58440J104      337     4158 SH       OTHER            001     4158        0       0
D  MEDIAONE GROUP INC          COMMON           58440J104      461     5694 SH       OTHER            002                      5694
D  MEDIAONE GROUP INC          COMMON           58440J104      951    11745 SH       DEFINED          002             11745
D  MEDIMMUNE INC               COMMON           584699102        9       50 SH       DEFINED          001       50        0       0
D  MEDTRONIC INC               COMMON           585055106      201     3904 SH       DEFINED          001     3904        0       0
D  MEDTRONIC INC               COMMON           585055106      206     4000 SH       OTHER            001     4000        0       0
D  MEDTRONIC INC               COMMON           585055106      683    13280 SH       OTHER            002                     13280
D  MEDTRONIC INC               COMMON           585055106     1786    34727 SH       DEFINED          002             34727
D  MELLON FINANCIAL CORP       COMMON           58551A108      119     4000 SH       OTHER            002                      4000
D  MELLON FINANCIAL CORP       COMMON           58551A108      123     4136 SH       DEFINED          002              4136
D  MELLON FINANCIAL CORP       COMMON           58551A108       16      550 SH       DEFINED          001      550        0       0
D  MELLON FINANCIAL CORP       COMMON           58551A108     1327    44600 SH       OTHER            001    44600        0       0
D  MELLON FINANCIAL CORP       COMMON           58551A108       18      600 SH       SOLE             001      600                0
D  MELLON FINANCIAL CORP       COMMON           58551A108       18      600 SH       SOLE                      600                0
D  MERCK & COMPANY INC         COMMON           589331107     4610    74199 SH       DEFINED          001    74199        0       0
D  MERCK & COMPANY INC         COMMON           589331107     3842    61850 SH       OTHER            001    61850        0       0
D  MERCK & COMPANY INC         COMMON           589331107     2174    35000 SH       SOLE             001    35000                0
D  MERCK & COMPANY INC         COMMON           589331107     1653    26610 SH       OTHER            002                     26610
D  MERCK & COMPANY INC         COMMON           589331107     2454    39505 SH       DEFINED          002             39505
D  MERCURY COMPUTER SYS INC    COMMON           589378108      391     8000 SH       OTHER            001     8000        0       0
D  MESTEK INC                  COMMON           590829107       21     1248 SH       OTHER            001     1248        0       0
D  METRICOM INC                COMMON           591596101       29      625 SH       DEFINED          001      625        0       0
D  METRO GOLDWYN MAYER         COMMON           591610100      382    15000 SH       SOLE             001    15000                0
D  METROMEDIA FIBER NETWORK IN COMMON           591689104       29      300 SH       OTHER            001      300        0       0
D  MFS MULTIMARKET INCOME TR   OTHER            552737108       87    15000 SH       DEFINED          001     N.A.     N.A.    N.A.
D  MGM GRAND INC.              COMMON           552953101      960    40000 SH       SOLE             001    40000                0
D  MICROSOFT CORP              COMMON           594918104     4409    41500 SH       SOLE             001    41500                0
D  MICROSOFT CORP              COMMON           594918104     6822    64205 SH       DEFINED          001    64205        0       0
D  MICROSOFT CORP              COMMON           594918104     1863    17535 SH       OTHER            001    17535        0       0
D  MICROSOFT CORP              COMMON           594918104      584     5500 SH       OTHER            002                      5500
D  MICROSOFT CORP              COMMON           594918104     1816    17090 SH       DEFINED          002             17090
D  MICROVISION INC WASH        COMMON           594960106      556    10000 SH       OTHER            001    10000        0       0
D  MILLENNIUM CHEMICALS INC    COMMON           599903101        2       75 SH       DEFINED          001       75        0       0
D  MILLIPORE CORP              COMMON           601073109      497     8800 SH       OTHER            002                      8800
D  MILLIPORE CORP              COMMON           601073109       90     1600 SH       DEFINED          002              1600
D  MINNESOTA MINING & MFG CO   COMMON           604059105      252     2850 SH       OTHER            002                      2850
D  MINNESOTA MINING & MFG CO   COMMON           604059105      597     6740 SH       DEFINED          002              6740
D  MINNESOTA MINING & MFG CO   COMMON           604059105     2159    24380 SH       DEFINED          001    24380        0       0
D  MINNESOTA MINING & MFG CO   COMMON           604059105     1891    21347 SH       OTHER            001    21347        0       0
D  MONSANTO CO                 COMMON           611662107      175     3400 SH       DEFINED          001     3400        0       0
D  MONSANTO CO                 COMMON           611662107      206     4000 SH       OTHER            001     4000        0       0
D  MONY GROUP INC              COMMON           615337102        0        7 SH       DEFINED          001        7        0       0
D  MORGAN (J.P.) & CO INC      COMMON           616880100     1594    12097 SH       OTHER            002                     12097
D  MORGAN (J.P.) & CO INC      COMMON           616880100     3075    23343 SH       DEFINED          002             23343
D  MORGAN GRENFELL SMALLCAP FD COMMON           617357108      185    11305 SH       OTHER            002                     11305
D  MORGAN J P & CO INC         COMMON           616880100     1214     9216 SH       DEFINED          001     9216        0       0
D  MORGAN J P & CO INC         COMMON           616880100      870     6600 SH       OTHER            001     6500        0     100
D  MORGAN STANLEY  DEAN WITTER COMMON           617446448      829    10000 SH       SOLE             001    10000                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            61744M104       20     1700 SH       OTHER            001     N.A.     N.A.    N.A.
D  MORGAN STANLEY, DEAN WITTER COMMON           617446448       21      252 SH       DEFINED          001      252        0       0
D  MORGAN STANLEY, DEAN WITTER COMMON           617446448       13      156 SH       OTHER            001      156        0       0
D  MOTOROLA , INC.             COMMON           620076109     1460    10000 SH       SOLE             001    10000                0
D  MOTOROLA INC                COMMON           620076109      248     1700 SH       DEFINED          001     1700        0       0
D  MOTOROLA INC                COMMON           620076109       51      350 SH       OTHER            001      350        0       0
D  MOTOROLA INC                COMMON           620076109     1183     8100 SH       OTHER            002                      8100
D  MOTOROLA INC                COMMON           620076109     2453    16800 SH       DEFINED          002             16800
D  MUNIHOLDINGS FD II INC      OTHER            625935101        4      350 SH       DEFINED          001     N.A.     N.A.    N.A.
D  NABISCO GROUP HLDG CORP     COMMON           62952P102        7      600 SH       DEFINED          001      600        0       0
D  NATIONAL CITY CORP          COMMON           635405103        5      219 SH       DEFINED          001      219        0       0
D  NATIONAL COMPUTER SYS INC   COMMON           635519101       18      350 SH       OTHER            001      350        0       0
D  NATIONAL SEMICONDUCTOR CORP COMMON           637640103      911    15000 SH       SOLE             001    15000                0
D  NCR CORP NEW                COMMON           62886E108        3       83 SH       OTHER            001       83        0       0
D  NEIMAN-MARCUS GROUP INC CL  COMMON           640204301        3      120 SH       OTHER            001      120        0       0
D  NESTLE S.A. ADR             COMMON           641069406      323     3600 SH       OTHER            002                      3600
D  NESTLE S.A. ADR             COMMON           641069406      547     6100 SH       DEFINED          002              6100
D  NETOPTIX CORP               COMMON           64116F103      103      600 SH       OTHER            001      600        0       0
D  NEW CENTY ENERGIES INC      COMMON           64352U103       18      600 SH       DEFINED          001      600        0       0
D  NEW CENTY ENERGIES INC      COMMON           64352U103       14      470 SH       OTHER            001      470        0       0
D  NEW YORK TIMES CO           COMMON           650111107     1994    46435 SH       DEFINED          001    46435        0       0
D  NEW YORK TIMES CO           COMMON           650111107      395     9200 SH       OTHER            001     9200        0       0
D  NEWELL RUBBERMAID INC       COMMON           651229106      133     5359 SH       OTHER            001     5359        0       0
D  NEXTEL COMMUNICATIONS INC C COMMON           65332V103      356     2400 SH       DEFINED          001     2400        0       0
D  NIAGARA MOHAWK HLDGS INC    COMMON           653520106        5      400 SH       OTHER            001      400        0       0
D  NOKIA CORP SPONS ADR SER A  COMMON           654902204      163      736 SH       OTHER            002                       736
D  NOKIA CORP SPONS ADR SER A  COMMON           654902204      178      800 SH       DEFINED          002               800
D  NORDSTROM INC               COMMON           655664100     1181    40050 SH       DEFINED          001    40050        0       0
D  NORDSTROM INC               COMMON           655664100       66     2250 SH       OTHER            001     2250        0       0
D  NORFOLK & SOUTHERN CORP     COMMON           655844108      353    24771 SH       OTHER            002                     24771
D  NORFOLK & SOUTHERN CORP     COMMON           655844108      136     9575 SH       DEFINED          002              9575
D  NORFOLK SOUTHN CORP         COMMON           655844108       27     1900 SH       OTHER            001     1800        0     100
D  NORTEL NETWORKS CORP        COMMON           656569100      189     1500 SH       OTHER            001     1500        0       0
D  NORTEL NETWORKS CORP        COMMON           656569100       32      255 SH       OTHER            002                       255
D  NORTEL NETWORKS CORP        COMMON           656569100      732     5811 SH       DEFINED          002              5811
D  NORTEL NETWORKS CORP.       COMMON           656569100      630     5000 SH       SOLE             001     5000                0
D  NORTHEAST UTILITIES         COMMON           664397106       22     1039 SH       OTHER            002                      1039
D  NORTHEAST UTILITIES         COMMON           664397106      513    23859 SH       DEFINED          002             23859
D  NORTHERN BORDER PARTNERS L  COMMON           664785102        5      200 SH       DEFINED          001      200        0       0
D  NORTHERN STS PWR CO MINN    COMMON           665772109       19      950 SH       DEFINED          001      950        0       0
D  NOVELL INC                  COMMON           670006105     1976    69025 SH       DEFINED          001    68550        0     475
D  NOVELL INC                  COMMON           670006105       77     2700 SH       OTHER            001     2700        0       0
D  NSTAR                       COMMON           67019E107       25      600 SH       DEFINED          001      600        0       0
D  NSTAR                       COMMON           67019E107       28      677 SH       OTHER            001      677        0       0
D  NTL INC                     COMMON           629407107      102     1094 SH       OTHER            001     1094        0       0
D  NUCOR CORP                  COMMON           670346105        3       50 SH       DEFINED          001       50        0       0
D  NUVEEN MUN MKT OPPORTUNITY  OTHER            67062W103      157    12500 SH       OTHER            001     N.A.     N.A.    N.A.
D  NUVEEN PERF PLUS MUN FD INC OTHER            67062P108       12     1000 SH       DEFINED          001     N.A.     N.A.    N.A.
D  NUVEEN PREM INCOME MUN FD I OTHER            67062T100        6      500 SH       DEFINED          001     N.A.     N.A.    N.A.
D  OCCIDENTAL PETE CORP        COMMON           674599105       38     1833 SH       DEFINED          001      411        0    1422
D  OCCIDENTAL PETE CORP        COMMON           674599105       18      849 SH       OTHER            001      849        0       0
D  OCEAN ENERGY INC TEX        COMMON           67481E106       22     1500 SH       DEFINED          001     1500        0       0
D  ONE LIBERTY PPTYS $1.60 CON PREFERRED        682406202        7      500 SH       OTHER            001     N.A.     N.A.    N.A.
D  ORACLE CORP                 COMMON           68389X105     4933    63197 SH       DEFINED          001    63197        0       0
D  ORACLE CORP                 COMMON           68389X105     1487    19050 SH       OTHER            001    19050        0       0
D  ORACLE CORP                 COMMON           68389X105     1073    13750 SH       OTHER            002                     13750
D  ORACLE CORP                 COMMON           68389X105     1487    19050 SH       DEFINED          002             19050
D  ORACLE CORPORATION          COMMON           68389X105     1171    15000 SH       SOLE             001    15000                0
D  OUTBACK STEAKHOUSE INC      COMMON           689899102       32     1000 SH       DEFINED          001     1000        0       0
D  OWENS ILL INC               COMMON           690768403        2      100 SH       DEFINED          001      100        0       0
D  PACTIV CORP                 COMMON           695257105        6      675 SH       DEFINED          001      675        0       0
D  PAINE WEBBER GROUP INC      COMMON           695629105      308     7000 SH       OTHER            001     7000        0       0
D  PAXSON COMMUNICATIONS CORP. COMMON           704231109      148    19100 SH       SOLE             001    19100                0
D  P-COM                       CONVERT DEBT     693262AA5      830  1000000 PRN      SOLE             001  1000000                0
D  PE CORP-PE BIOSYSTEMS GROUP COMMON           69332S102     3988    41330 SH       DEFINED          001    41330        0       0
D  PE CORP-PE BIOSYSTEMS GROUP COMMON           69332S102      386     4000 SH       OTHER            001     4000        0       0
D  PECO ENERGY CO COM          COMMON           693304107        4      100 SH       DEFINED          001      100        0       0
D  PENNEY J C INC              COMMON           708160106       12      800 SH       DEFINED          001      800        0       0
D  PEOPLES BK BRIDGEPORT CONN  COMMON           710198102      712    33994 SH       DEFINED          001    10740        0   23254
D  PEOPLES BK BRIDGEPORT CONN  COMMON           710198102      476    22750 SH       OTHER            001        0        0   22750
D  PEOPLES ENERGY CORP         COMMON           711030106       26      933 SH       OTHER            001      933        0       0
D  PEOPLES HERITAGE FINL GROUP COMMON           711147108      171    11398 SH       DEFINED          001    11398        0       0
D  PEOPLE'S HERITAGE FINL.     COMMON           711147108        2      100 SH       SOLE             001      100                0
D  PEPSICO                     COMMON           713448108     1918    55000 SH       SOLE             001    55000                0
D  PEPSICO INC                 COMMON           713448108      288     8250 SH       DEFINED          001     8250        0       0
D  PEPSICO INC                 COMMON           713448108      813    23324 SH       OTHER            001    23324        0       0
D  PEPSICO INC                 COMMON           713448108     1470    42152 SH       OTHER            002                     42152
D  PEPSICO INC                 COMMON           713448108      582    16695 SH       DEFINED          002             16695
D  PFIZER                      COMMON           717081103     1188    32500 SH       SOLE             001    32500                0
D  PFIZER INC                  COMMON           717081103     1850    50611 SH       DEFINED          001    50611        0       0
D  PFIZER INC                  COMMON           717081103     1899    51943 SH       OTHER            001    51943        0       0
D  PFIZER INC                  COMMON           717081103     2873    78576 SH       OTHER            002                     78576
D  PFIZER INC                  COMMON           717081103     4753   129992 SH       DEFINED          002            129992
D  PG & E CORP                 COMMON           69331C108        8      400 SH       DEFINED          001        0        0     400
D  PHARMACIA & UPJOHN INC      COMMON           716941109       71     1190 SH       DEFINED          001     1190        0       0
D  PHARMACIA CORP.             COMMON           71713U102      515    10000 SH       SOLE             001    10000                0
D  PHARMACIA CORPORATION       COMMON           71713U102     1590    30880 SH       OTHER            002                     30880
D  PHARMACIA CORPORATION       COMMON           71713U102     1976    38368 SH       DEFINED          002             38368
D  PHELPS DODGE CORP           COMMON           717265102       28      600 SH       DEFINED          001      600        0       0
D  PHELPS DODGE CORP           COMMON           717265102       38      800 SH       OTHER            001      800        0       0
D  PHILIP MORRIS COMPANIES INC COMMON           718154107      274    12969 SH       OTHER            002                     12969
D  PHILIP MORRIS COMPANIES INC COMMON           718154107      545    25801 SH       DEFINED          002             25801
D  PHILIP MORRIS COS INC       COMMON           718154107      288    13651 SH       DEFINED          001    13651        0       0
D  PHILIP MORRIS COS INC       COMMON           718154107      154     7300 SH       OTHER            001     7300        0       0
D  PHILLIPS PETE CO            COMMON           718507106       49     1055 SH       DEFINED          001     1055        0       0
D  PHILLIPS PETE CO            COMMON           718507106       25      546 SH       OTHER            001      546        0       0
D  PHILLIPS PETROLEUM          COMMON           718507106     1156    25000 SH       SOLE             001    25000                0
D  PHILLIPS PETROLEUM CO       COMMON           718507106      116     2500 SH       OTHER            002                      2500
D  PHILLIPS PETROLEUM CO       COMMON           718507106      194     4200 SH       DEFINED          002              4200
D  PITNEY BOWES INC            COMMON           724479100      632    14150 SH       DEFINED          001    14150        0       0
D  PITNEY BOWES INC            COMMON           724479100     1059    23700 SH       OTHER            001    23700        0       0
D  PLC SYS INC                 COMMON           69341D104        2      700 SH       DEFINED          001      700        0       0
D  PLUM CREEK TIMBER CO INC    COMMON           729251108       80     3250 SH       OTHER            002                      3250
D  PLUM CREEK TIMBER CO INC    COMMON           729251108      195     7900 SH       DEFINED          002              7900
D  PNC BANK                    COMMON           693475105        5      100 SH       SOLE             001      100                0
D  PNC BANK                    COMMON           693475105        5      100 SH       SOLE                      100                0
D  PPG INDS INC                COMMON           693506107      100     1909 SH       DEFINED          001     1909        0       0
D  PPL CORP                    COMMON           69351T106      186     8900 SH       DEFINED          001     8900        0       0
D  PPL CORP                    COMMON           69351T106       41     1950 SH       OTHER            001     1650        0     300
D  PRAXAIR INC                 COMMON           74005P104        9      206 SH       DEFINED          001      206        0       0
D  PROCTER & GAMBLE CO         COMMON           742718109     3582    63403 SH       DEFINED          001    63403        0       0
D  PROCTER & GAMBLE CO         COMMON           742718109      625    11065 SH       OTHER            001    10565        0     500
D  PROCTER & GAMBLE CO         COMMON           742718109      814    14400 SH       OTHER            002                     14400
D  PROCTER & GAMBLE CO         COMMON           742718109      714    12630 SH       DEFINED          002             12630
D  PUBLIC SVC ENTERPRISE GROUP COMMON           744573106       41     1400 SH       DEFINED          001     1400        0       0
D  PUBLIC SVC ENTERPRISE GROUP COMMON           744573106       12      400 SH       OTHER            001      400        0       0
D  PUTNAM HIGH INCOME CONV & B OTHER            746779107        7     1000 SH       DEFINED          001     N.A.     N.A.    N.A.
D  QUAKER OATS CO              COMMON           747402105      364     6000 SH       OTHER            001     6000        0       0
D  QUALCOMM INC                COMMON           747525103      896     6000 SH       OTHER            001     6000        0       0
D  R H DONNELLEY CORP          COMMON           74955W307        5      320 SH       OTHER            001      320        0       0
D  RALSTON-RALSTON PURINA GROU COMMON           751277302      248     9000 SH       DEFINED          002              9000
D  RAYTHEON CO CL A            COMMON           755111309        0       15 SH       DEFINED          001       15        0       0
D  RAYTHEON CO CL A            COMMON           755111309        1       41 SH       OTHER            001       41        0       0
D  RECKSON ASSOCS RLTY CORP    COMMON           75621K106       56     3000 SH       DEFINED          001     3000        0       0
D  RECKSON ASSOCS RLTY CORP    COMMON           75621K106       56     3000 SH       OTHER            001     3000        0       0
D  RELIANT ENERGY INC          COMMON           75952J108      256    10875 SH       DEFINED          001    10875        0       0
D  RELIANT ENERGY INC          COMMON           75952J108      121     5150 SH       OTHER            001     5150        0       0
D  RELIANT ENERGY INC          COMMON           75952J108       37     1550 SH       OTHER            002                      1550
D  RELIANT ENERGY INC          COMMON           75952J108      254    10800 SH       DEFINED          002             10800
D  RIO TINTO PLC               COMMON           767204100       71     1000 SH       OTHER            001     1000        0       0
D  ROCKWELL INTL CORP NEW COM  COMMON           773903109       17      400 SH       DEFINED          001      400        0       0
D  ROCKWELL INTL CORP NEW COM  COMMON           773903109      100     2392 SH       OTHER            001     2392        0       0
D  ROPER INDS INC NEW          COMMON           776696106      136     4000 SH       DEFINED          001     4000        0       0
D  ROYAL BANK OF SCOTLAND      PREFERRED        780097861     2238   100000 PRN      SOLE             001   100000                0
D  ROYAL BANK OF SCOTLAND PFD  OTHER            780097853      137     5800 SH       DEFINED          001     N.A.     N.A.    N.A.
D  ROYAL BANK OF SCOTLAND PFD  OTHER            780097853       43     1800 SH       OTHER            001     N.A.     N.A.    N.A.
D  ROYAL BK SCOTLAND GRP PLCAD OTHER            780097309       14      560 SH       OTHER            001     N.A.     N.A.    N.A.
D  ROYAL BK SCOTLAND PFD 8.00% OTHER            780097861       22     1000 SH       DEFINED          001     N.A.     N.A.    N.A.
D  ROYAL BK SCOTLAND PFD 8.00% OTHER            780097861       67     3000 SH       OTHER            001     N.A.     N.A.    N.A.
D  ROYAL DUTCH PETE CO         COMMON           780257804      772    13348 SH       DEFINED          001    13348        0       0
D  ROYAL DUTCH PETE CO         COMMON           780257804      463     8000 SH       OTHER            001     8000        0       0
D  ROYAL DUTCH PETRO-NY SHARES COMMON           780257804      290     5020 SH       OTHER            002                      5020
D  ROYAL DUTCH PETRO-NY SHARES COMMON           780257804     1249    21600 SH       DEFINED          002             21600
D  ROYCE VALUE TRUST INC       COMMON           780910105      763    55246 SH       OTHER            002                     55246
D  ROYCE VALUE TRUST INC       COMMON           780910105     1611   116613 SH       DEFINED          002            116613
D  RPM INC OHIO                COMMON           749685103      151    13725 SH       OTHER            002                     13725
D  RYDER SYS INC               COMMON           783549108      497    21925 SH       DEFINED          001    21750        0     175
D  RYDER SYS INC               COMMON           783549108       26     1150 SH       OTHER            001     1150        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       79     6500 SH       DEFINED          001     N.A.     N.A.    N.A.
D  SANTA CRUZ OPERATION INC    COMMON           801833104        9     1000 SH       DEFINED          001     1000        0       0
D  SANTA FE SNYDER CORP        COMMON           80218K105        5      557 SH       OTHER            001      557        0       0
D  SARA LEE CORP               COMMON           803111103       65     3600 SH       DEFINED          001     3600        0       0
D  SARA LEE CORP               COMMON           803111103      292    16236 SH       OTHER            001    16236        0       0
D  SARA LEE CORP               COMMON           803111103        9      500 SH       OTHER            002                       500
D  SARA LEE CORP               COMMON           803111103      687    38140 SH       DEFINED          002             38140
D  SBC COMMUNICATIONS          COMMON           78387G103     1568    37220 SH       SOLE             001    37220                0
D  SBC COMMUNICATIONS INC      COMMON           78387G103     5752   136548 SH       DEFINED          001   133054        0    3494
D  SBC COMMUNICATIONS INC      COMMON           78387G103     2065    49032 SH       OTHER            001    49032        0       0
D  SBC COMMUNICATIONS INC      COMMON           78387G103     1454    34506 SH       OTHER            002                     34506
D  SBC COMMUNICATIONS INC      COMMON           78387G103     3012    71495 SH       DEFINED          002             71495
D  SCANA CORP                  COMMON           80589M102       52     2121 SH       OTHER            002                      2121
D  SCANA CORP                  COMMON           80589M102      253    10310 SH       DEFINED          002             10310
D  SCHERING PLOUGH             COMMON           806605101     1211    32500 SH       SOLE             001    32500                0
D  SCHERING PLOUGH CORP        COMMON           806605101      154     4146 SH       DEFINED          001     4146        0       0
D  SCHERING PLOUGH CORP        COMMON           806605101        7      200 SH       OTHER            001      200        0       0
D  SCHERING-PLOUGH CORP        COMMON           806605101     1285    34600 SH       OTHER            002                     34600
D  SCHERING-PLOUGH CORP        COMMON           806605101      995    26800 SH       DEFINED          002             26800
D  SCHLUMBERGER LTD            COMMON           806857108     3759    49142 SH       DEFINED          001    49142        0       0
D  SCHLUMBERGER LTD            COMMON           806857108     1681    21975 SH       OTHER            001    21875        0     100
D  SCHLUMBERGER LTD            COMMON           806857108     1122    14670 SH       OTHER            002                     14670
D  SCHLUMBERGER LTD            COMMON           806857108      558     7300 SH       DEFINED          002              7300
D  SCOTTISH PWR PLC            COMMON           81013T705       16      510 SH       OTHER            001      510        0       0
D  SEAGATE TECHNOLOGY          COMMON           811804103       12      200 SH       DEFINED          001      200        0       0
D  SEARS ROEBUCK & CO          COMMON           812387108        3      100 SH       OTHER            001      100        0       0
D  SERVICEMASTER CO            COMMON           81760N109      542    48147 SH       OTHER            002                     48147
D  SHAW INDS INC               COMMON           820286102        3      225 SH       OTHER            001      225        0       0
D  SHELL TRANSPORT & TRADING   COMMON           822703609     1349    27500 SH       SOLE             001    27500                0
D  SHERWIN WILLIAMS CO         COMMON           824348106        3      150 SH       DEFINED          001      150        0       0
D  SHERWIN WILLIAMS CO         COMMON           824348106      275    12425 SH       OTHER            001    12425        0       0
D  SHONEYS INC                 COMMON           825039100        0      100 SH       DEFINED          001      100        0       0
D  SHOP AT HOME INC            COMMON           825066301       13     1500 SH       DEFINED          001     1500        0       0
D  SIERRA PAC RES NEW          COMMON           826428104        8      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      105     3900 SH       OTHER            002                      3900
D  SIGMA-ALDRICH CORP          COMMON           826552101      167     6200 SH       DEFINED          002              6200
D  SILICON GRAPHICS INC        COMMON           827056102      106    10000 SH       OTHER            001    10000        0       0
D  SILICON VY GROUP INC        COMMON           827066101        7      256 SH       DEFINED          001      256        0       0
D  SIMON PPTY GROUP INC NEW    COMMON           828806109       30     1300 SH       DEFINED          001     1300        0       0
D  SIMON PPTY GROUP INC NEW    COMMON           828806109       47     2000 SH       OTHER            001     2000        0       0
D  SMITHKLINE BEECHAM PLC ADR  COMMON           832378301       59      900 SH       DEFINED          001      900        0       0
D  SMURFIT-STONE CONTAINER COR COMMON           832727101        2      100 SH       DEFINED          001      100        0       0
D  SOLECTRON CORP              COMMON           834182107       16      400 SH       DEFINED          001      400        0       0
D  SOLECTRON CORP.             COMMON           834182107      802    20000 SH       SOLE             001    20000                0
D  SONOCO PRODS CO             COMMON           835495102        1       50 SH       DEFINED          001       50        0       0
D  SOUTHERN CO                 COMMON           842587107     1021    46962 SH       DEFINED          001    46962        0       0
D  SOUTHERN CO                 COMMON           842587107       72     3300 SH       OTHER            001     3300        0       0
D  SOUTHWEST AIRLS CO          COMMON           844741108     1386    66575 SH       DEFINED          001    66575        0       0
D  SOUTHWEST AIRLS CO          COMMON           844741108      148     7100 SH       OTHER            001     7100        0       0
D  SPIEKER PPTYS INC           COMMON           848497103       22      500 SH       DEFINED          001      500        0       0
D  SPRINT CORP COM             COMMON           852061100      310     4900 SH       DEFINED          001     4900        0       0
D  SPRINT CORP SER 1           COMMON           852061506      187     2860 SH       DEFINED          001     2860        0       0
D  SPX CORP                    COMMON           784635104       17      150 SH       DEFINED          001      150        0       0
D  SPX CORP                    COMMON           784635104       58      511 SH       OTHER            001      511        0       0
D  ST PAUL COS INC             COMMON           792860108       12      350 SH       DEFINED          001      350        0       0
D  STANDARD & POORS DEP TR     OTHER            78462F103        0        3 SH       DEFINED          001     N.A.     N.A.    N.A.
D  STANDEX INTERNATIONAL CORP. COMMON           854231107      318    20500 SH       SOLE             001    20500                0
D  STANDEX INTL CORP           COMMON           854231107       93     6000 SH       OTHER            001     6000        0       0
D  STANLEY WKS                 COMMON           854616109        5      200 SH       OTHER            001      200        0       0
D  STANLEY WORKS INC           COMMON           854616109      470    17804 SH       OTHER            002                     17804
D  STANLEY WORKS INC           COMMON           854616109      523    19820 SH       DEFINED          002             19820
D  STAPLES INC                 COMMON           855030102     2957   147850 SH       DEFINED          001   147850        0       0
D  STAPLES INC                 COMMON           855030102      458    22900 SH       OTHER            001    22900        0       0
D  STAPLES INC                 COMMON           855030102      199     9950 SH       OTHER            002                      9950
D  STAPLES INC                 COMMON           855030102      869    43429 SH       DEFINED          002             43429
D  STARBUCKS CORP              COMMON           855244109      785    17525 SH       DEFINED          001    17525        0       0
D  STARBUCKS CORP              COMMON           855244109      385     8600 SH       OTHER            001     8600        0       0
D  STARWOOD HOTELS & RESORTS W COMMON           85590A203       39     1500 SH       DEFINED          001     1500        0       0
D  STATE STREET CORP           COMMON           857477103     4648    47980 SH       DEFINED          001    47880        0     100
D  STATE STREET CORP           COMMON           857477103      651     6725 SH       OTHER            001     6725        0       0
D  STATE STREET CORP           COMMON           857477103      426     4400 SH       OTHER            002                      4400
D  STATE STREET CORP           COMMON           857477103      562     5800 SH       DEFINED          002              5800
D  STEPAN CO                   COMMON           858586100       35     1600 SH       OTHER            001     1600        0       0
D  STRATEGIC DISTR INC         COMMON           862701208       13     6060 SH       DEFINED          001     6060        0       0
D  STRYKER CORP                COMMON           863667101       28      400 SH       DEFINED          001      400        0       0
D  SUMMIT BANCORP              COMMON           866005101        3      100 SH       SOLE             001      100                0
D  SUN MICROSYSTEMS INC        COMMON           866810104     2746    29310 SH       DEFINED          001    29110        0     200
D  SUN MICROSYSTEMS INC        COMMON           866810104      307     3275 SH       OTHER            001     3275        0       0
D  SUNOCO INC                  COMMON           86764P109        6      208 SH       DEFINED          001      208        0       0
D  SUNTRUST BKS INC            COMMON           867914103       49      850 SH       DEFINED          001      850        0       0
D  SUPERVALU INC               COMMON           868536103        6      300 SH       DEFINED          001      300        0       0
D  SUPERVALU INC               COMMON           868536103       16      825 SH       OTHER            001      825        0       0
D  SWISSCOMADR                 COMMON           871013108       95     2500 SH       OTHER            001     2500        0       0
D  SYSCO CORP                  COMMON           871829107      630    17450 SH       OTHER            002                     17450
D  SYSCO CORP                  COMMON           871829107     2178    60293 SH       DEFINED          002             60293
D  TARGET CORP                 COMMON           87612E106     2033    27200 SH       DEFINED          001    27200        0       0
D  TARGET CORP                 COMMON           87612E106      426     5700 SH       OTHER            001     5700        0       0
D  TECO ENERGY INC             COMMON           872375100       29     1500 SH       OTHER            001     1500        0       0
D  TELEFONICA DE ESPANA SA ADR COMMON           879382208      196     2636 SH       OTHER            002                      2636
D  TELEFONICA DE ESPANA SA ADR COMMON           879382208       74     1000 SH       DEFINED          002              1000
D  TELEFONICA SA SPONSORED ADR COMMON           879382208       74     1000 SH       OTHER            001     1000        0       0
D  TELEFONOS DE MEXICO ADR SER COMMON           879403780       40      600 SH       OTHER            002                       600
D  TELEFONOS DE MEXICO ADR SER COMMON           879403780      173     2600 SH       DEFINED          002              2600
D  TELIGENT INC                COMMON           87959Y103       10      150 SH       OTHER            001      150        0       0
D  TEMPLE-INLAND INC           COMMON           879868107       54     1080 SH       OTHER            001     1080        0       0
D  TENGASCO INC COM NEW        COMMON           88033R205      174    20000 SH       OTHER            001    20000        0       0
D  TENNECO AUTOMOTIVE INC      COMMON           880349105        1      134 SH       DEFINED          001      134        0       0
D  TERADYNE INC.               COMMON           880770102      410     5000 SH       SOLE             001     5000                0
D  TERAYON COMMUNICATION SYS   COMMON           880775101      615     3000 SH       OTHER            001     3000        0       0
D  TEXACO INC                  COMMON           881694103      355     6608 SH       DEFINED          001     6608        0       0
D  TEXACO INC                  COMMON           881694103      679    12635 SH       OTHER            001    12635        0       0
D  TEXACO INC                  COMMON           881694103     1344    25000 SH       SOLE             001    25000                0
D  TEXACO INC                  COMMON           881694103       92     1706 SH       OTHER            002                      1706
D  TEXACO INC                  COMMON           881694103      351     6532 SH       DEFINED          002              6532
D  TEXAS INSTRS INC            COMMON           882508104      116      725 SH       DEFINED          001      725        0       0
D  TEXAS INSTRS INC            COMMON           882508104      333     2080 SH       OTHER            001     2080        0       0
D  TEXAS INSTRUMENTS INC       COMMON           882508104     1754    12400 SH       OTHER            002                     12400
D  TEXAS INSTRUMENTS INC       COMMON           882508104     1132     8000 SH       DEFINED          002              8000
D  TEXAS INSTRUMENTS INC.      COMMON           882508104      640     4000 SH       SOLE             001     4000                0
D  TEXAS UTILITIES CO          COMMON           882848104       83     2811 SH       OTHER            002                      2811
D  TEXAS UTILITIES CO          COMMON           882848104      486    16363 SH       DEFINED          002             16363
D  TEXAS UTILS CO HLDG CO      COMMON           882848104      325    10934 SH       DEFINED          001    10934        0       0
D  TEXAS UTILS CO HLDG CO      COMMON           882848104       81     2739 SH       OTHER            001     2739        0       0
D  TEXTRON INC                 COMMON           883203101      201     3300 SH       OTHER            001     3300        0       0
D  TEXTRON INC                 COMMON           883203101      351     5760 SH       DEFINED          002              5760
D  THE DUN & BRADSTREET CORP   COMMON           26483B106      335    11690 SH       OTHER            002                     11690
D  THE DUN & BRADSTREET CORP   COMMON           26483B106        6      200 SH       DEFINED          002               200
D  THERMO ELECTRON CORP        COMMON           883556102       65     3200 SH       OTHER            002                      3200
D  THERMO ELECTRON CORP        COMMON           883556102      151     7400 SH       DEFINED          002              7400
D  THOMAS & BETTS CORP         COMMON           884315102       13      464 SH       DEFINED          001      464        0       0
D  THOMAS NELSON               COMMON           640376109      906   114200 SH       SOLE             001   114200                0
D  TIME WARNER INC             COMMON           887315109      428     4280 SH       DEFINED          001     4280        0       0
D  TIME WARNER INC             COMMON           887315109     1280    12800 SH       OTHER            001    12800        0       0
D  TIME WARNER INC             COMMON           887315109       10      100 SH       OTHER            002                       100
D  TIME WARNER INC             COMMON           887315109     1047    10468 SH       DEFINED          002             10468
D  TIME WARNER TELECOM INC     COMMON           887319101      199     2500 SH       OTHER            001     2500        0       0
D  TIMKEN CO                   COMMON           887389104       29     1760 SH       OTHER            001     1760        0       0
D  TORCHMARK CORP              COMMON           891027104      574    24800 SH       DEFINED          002             24800
D  TORRINGTON WATER CO         COMMON           891466104     1295    32178 SH       DEFINED          002             32178
D  TOSCO CORP                  COMMON           891490302      153     5000 SH       OTHER            001     5000        0       0
D  TRANSOCEAN SEDCO FOREX,INC  COMMON           G90078109      105     2053 SH       DEFINED          001     2053        0       0
D  TRANSOCEAN SEDCO FOREX,INC  COMMON           G90078109       48      941 SH       OTHER            001      922        0      19
D  TRI CONTINENTAL CORP        COMMON           895436103      171     6692 SH       OTHER            002                      6692
D  TRI CONTINENTAL CORP        COMMON           895436103       43     1684 SH       DEFINED          002              1684
D  TRICON GLOBAL RESTAURANTS I COMMON           895953107        4      140 SH       OTHER            001      140        0       0
D  TRUST COMPANY BANCORPORATIO COMMON           898304100       48     2496 SH       OTHER            001     2496        0       0
D  TRW INC                     COMMON           872649108       53      900 SH       OTHER            001      900        0       0
D  TYCO INTERNATIONAL LTD      COMMON           902124106      362     7212 SH       OTHER            002                      7212
D  TYCO INTERNATIONAL LTD      COMMON           902124106     2018    40256 SH       DEFINED          002             40256
D  TYCO INTL LTD NEW           COMMON           902124106     4004    79887 SH       DEFINED          001    79887        0       0
D  TYCO INTL LTD NEW           COMMON           902124106     2183    43553 SH       OTHER            001    43553        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      128     1768 SH       DEFINED          001     1358        0     410
D  U S WEST INC NEW            COMMON           91273H101       87     1201 SH       OTHER            001     1201        0       0
D  U.S. BANCORP                COMMON           902973106       62     2850 SH       OTHER            002                      2850
D  U.S. BANCORP                COMMON           902973106      204     9337 SH       DEFINED          002              9337
D  UNILEVER N V NY SHS         COMMON           904784709       43      892 SH       DEFINED          001      892        0       0
D  UNION CARBIDE CORP CM       COMMON           905581104       14      233 SH       DEFINED          001      233        0       0
D  UNION PAC CORP              COMMON           907818108        7      175 SH       DEFINED          001      175        0       0
D  UNION PAC CORP              COMMON           907818108       35      900 SH       OTHER            001      900        0       0
D  UNION PAC RES GROUP INC     COMMON           907834105        4      254 SH       OTHER            001      254        0       0
D  UNITED ILLUM CO             COMMON           910637107       44     1127 SH       DEFINED          001     1127        0       0
D  UNITED ILLUM CO             COMMON           910637107        8      200 SH       OTHER            001      200        0       0
D  UNITED PARCEL SERVICE CL B  COMMON           911312106       50      800 SH       OTHER            002                       800
D  UNITED PARCEL SERVICE CL B  COMMON           911312106      413     6554 SH       DEFINED          002              6554
D  UNITED PARCEL SERVICE INC   COMMON           911312106      142     2250 SH       DEFINED          001     2250        0       0
D  UNITED PARCEL SERVICE INC   COMMON           911312106      567     9000 SH       OTHER            001     9000        0       0
D  UNITED TECHNOLOGIES CORP    COMMON           913017109       76     1200 SH       DEFINED          001     1200        0       0
D  UNITED TECHNOLOGIES CORP    COMMON           913017109      284     4500 SH       OTHER            001     4500        0       0
D  UNITED TECHNOLOGIES CORP    COMMON           913017109      355     5626 SH       OTHER            002                      5626
D  UNITED TECHNOLOGIES CORP    COMMON           913017109      427     6760 SH       DEFINED          002              6760
D  UNIVERSAL HEALTH RLTY INC   COMMON           91359E105       16     1000 SH       DEFINED          001     1000        0       0
D  UNOCAL CORP                 COMMON           915289102       79     2640 SH       DEFINED          001     2640        0       0
D  UNOCAL CORP                 COMMON           915289102       36     1200 SH       OTHER            002                      1200
D  UNOCAL CORP                 COMMON           915289102      193     6500 SH       DEFINED          002              6500
D  UNUMPROVIDENT CORP          COMMON           91529Y106       24     1400 SH       DEFINED          001     1400        0       0
D  UNUMPROVIDENT CORP          COMMON           91529Y106       51     3000 SH       OTHER            001     3000        0       0
D  UNUMPROVIDENT CORP          COMMON           91529Y106      211    12450 SH       OTHER            002                     12450
D  UNUMPROVIDENT CORP          COMMON           91529Y106      331    19524 SH       DEFINED          002             19524
D  US WEST INC                 COMMON           91273H101      698     9608 SH       OTHER            002                      9608
D  US WEST INC                 COMMON           91273H101     1405    19348 SH       DEFINED          002             19348
D  USA VIDEO INTERACTIVE CORP  COMMON           902924208       95    15400 SH       DEFINED          002             15400
D  USX-MARATHON GROUP          COMMON           902905827      237     9100 SH       OTHER            002                      9100
D  USX-MARATHON GROUP          COMMON           902905827      175     6700 SH       DEFINED          002              6700
D  V F CORP                    COMMON           918204108       12      500 SH       OTHER            001      500        0       0
D  VAN KAMPEN MUNICIPAL INCOME OTHER            920909108       41     5056 SH       OTHER            001     N.A.     N.A.    N.A.
D  VIACOM B                    COMMON           925524308      791    15000 SH       SOLE             001    15000                0
D  VIAD CORP                   COMMON           92552R109        1       48 SH       DEFINED          001       48        0       0
D  VIDAMED INC                 COMMON           926530106        1      400 SH       DEFINED          001      400        0       0
D  VISHAY INTERTECHNOLOGY INC  COMMON           928298108      139     2500 SH       DEFINED          001     2500        0       0
D  VISION TWENTY-ONE INC FLA   COMMON           92831N101        2     1000 SH       DEFINED          001     1000        0       0
D  VODAFONE AIRTOUCH PLC SP AD COMMON           92857T107      346     6225 SH       OTHER            002                      6225
D  VODAFONE AIRTOUCH PLC SP AD COMMON           92857T107     1313    23635 SH       DEFINED          002             23635
D  VODAFONE GROUP PLC          COMMON           92857T107      388     6990 SH       DEFINED          001     5990        0    1000
D  VODAFONE GROUP PLC          COMMON           92857T107      389     7000 SH       OTHER            001     7000        0       0
D  VULCAN MATLS CO             COMMON           929160109      124     2700 SH       OTHER            001     2700        0       0
D  WACHOVIA CORP NEW           COMMON           929771103      162     2400 SH       OTHER            001     2400        0       0
D  WAL MART STORES INC         COMMON           931142103     3785    66995 SH       DEFINED          001    66995        0       0
D  WAL MART STORES INC         COMMON           931142103     2088    36958 SH       OTHER            001    36958        0       0
D  WALGREEN CO                 COMMON           931422109     2373    92150 SH       DEFINED          001    92150        0       0
D  WALGREEN CO                 COMMON           931422109     1439    55890 SH       OTHER            001    55590        0     300
D  WALGREEN CO                 COMMON           931422109     1519    59000 SH       OTHER            002                     59000
D  WALGREEN CO                 COMMON           931422109      324    12600 SH       DEFINED          002             12600
D  WAL-MART STORES             COMMON           931142103     2260    40000 SH       SOLE             001    40000                0
D  WAL-MART STORES INC         COMMON           931142103     1021    18070 SH       OTHER            002                     18070
D  WAL-MART STORES INC         COMMON           931142103     1564    27674 SH       DEFINED          002             27674
D  WARNER LAMBERT CO           COMMON           934488107     3543    36270 SH       DEFINED          001    36270        0       0
D  WARNER LAMBERT CO           COMMON           934488107      300     3073 SH       OTHER            001     3073        0       0
D  WARNER LAMBERT CO           COMMON           934488107      977    10000 SH       SOLE             001    10000                0
D  WARNER-LAMBERT CO           COMMON           934488107      842     8624 SH       OTHER            002                      8624
D  WARNER-LAMBERT CO           COMMON           934488107     2242    22950 SH       DEFINED          002             22950
D  WASHINGTON GAS LIGHT CO     COMMON           938837101       49     1800 SH       OTHER            002                      1800
D  WASHINGTON GAS LIGHT CO     COMMON           938837101      163     6000 SH       DEFINED          002              6000
D  WASHINGTON MUTUAL INC       COMMON           939322103      386    14575 SH       OTHER            002                     14575
D  WASHINGTON MUTUAL INC       COMMON           939322103      855    32246 SH       DEFINED          002             32246
D  WASTE MANAGEMENT INC        COMMON           94106L109       43     3160 SH       OTHER            002                      3160
D  WASTE MANAGEMENT INC        COMMON           94106L109      111     8088 SH       DEFINED          002              8088
D  WEATHERFORD INTL INC NEW    COMMON           947074100       43      730 SH       OTHER            001      730        0       0
D  WEBSTER FINANCL CP WATERBUR COMMON           947890109      493    21453 SH       OTHER            002                     21453
D  WEBSTER FINANCL CP WATERBUR COMMON           947890109      897    39014 SH       DEFINED          002             39014
D  WEBSTER FINL CORP WATERBURY COMMON           947890109       36     1560 SH       DEFINED          001        0        0    1560
D  WEBSTER FINL CORP WATERBURY COMMON           947890109      150     6516 SH       OTHER            001     6516        0       0
D  WEBSTER FINL.               COMMON           947890109        2      100 SH       SOLE             001      100                0
D  WELLS FARGO & CO NEW        COMMON           949746101     1723    42275 SH       DEFINED          001    42275        0       0
D  WELLS FARGO & CO NEW        COMMON           949746101      169     4150 SH       OTHER            001     4150        0       0
D  WELLS FARGO CO              COMMON           949746101      143     3500 SH       OTHER            002                      3500
D  WELLS FARGO CO              COMMON           949746101      882    21637 SH       DEFINED          002             21637
D  WELLS FARGO COMPANY         COMMON           949746101     1019    25000 SH       SOLE             001    25000                0
D  WESTVACO CORP               COMMON           961548104        3       75 SH       DEFINED          001       75        0       0
D  WEYERHAEUSER CO             COMMON           962166104       43      750 SH       OTHER            001      750        0       0
D  WEYERHAEUSER CO             COMMON           962166104       74     1300 SH       OTHER            002                      1300
D  WEYERHAEUSER CO             COMMON           962166104      177     3100 SH       DEFINED          002              3100
D  WHOLE FOODS MKT INC         COMMON           966837106       10      250 SH       OTHER            001      250        0       0
D  WILD OATS MKTS INC          COMMON           96808B107       21     1000 SH       OTHER            001     1000        0       0
D  WILLAMETTE INDS INC         COMMON           969133107        4      100 SH       OTHER            001      100        0       0
D  WILLIAMS COS INC            COMMON           969457100       92     2100 SH       DEFINED          001     2100        0       0
D  WILLIAMS COS INC            COMMON           969457100      269     6114 SH       OTHER            001     6114        0       0
D  WILLIAMS COS INC            COMMON           969457100     2752    62638 SH       OTHER            002                     62638
D  WILLIAMS COS INC            COMMON           969457100     5018   114218 SH       DEFINED          002            114218
D  WISCONSIN ENERGY CORP       COMMON           976657106       58     2900 SH       OTHER            001     2900        0       0
D  XEROX CORP                  COMMON           984121103       73     2815 SH       DEFINED          001     2815        0       0
D  XEROX CORP                  COMMON           984121103      182     7000 SH       OTHER            001     7000        0       0
D  XEROX CORP                  COMMON           984121103       33     1260 SH       OTHER            002                      1260
D  XEROX CORP                  COMMON           984121103      413    15900 SH       DEFINED          002             15900
D  YAHOO                       COMMON           984332106      514     3000 SH       SOLE             001     3000                0
D  YANKEE ENERGY SYSTEM INC    COMMON           984779108       11      250 SH       OTHER            002                       250
D  YANKEE ENERGY SYSTEM INC    COMMON           984779108      374     8424 SH       DEFINED          002              8424
</TABLE>


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