PEOPLES MUTUAL HOLDINGS
13F-HR, 2000-02-14
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                                UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C.  20549

                                    FORM 13F

                               FORM 13F COVER PAGE

REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 12/31/99

CHECK HERE IF AMENDMENT:           ( ) AMENDMENT NUMBER:
THIS AMENDMENT (CHECK ONLY ONE.):  ( ) IS A RESTATEMENT.
                                   ( ) ADDS NEW HOLDINGS ENTRIES

INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT:

NAME:    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
       2/14/2000

<PAGE>
                              FORM 13F SUMMARY PAGE


REPORT SUMMARY:

NUMBER OF OTHER INCLUDED MANAGERS:                        2

FORM 13F INFORMATION TABLE ENTRY TOTAL:               1,136

FORM 13F INFORMATION TABLE VALUE TOTAL:            $884,402

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  24/7 MEDIA INC.             COMMON           901314104      281     5000 SH       SOLE             001     5000        0       0
D  3COM CORP                   COMMON           885535104        5      100 SH       DEFINED          001      100        0       0
D  ABBOTT LABORATORIES INC     COMMON           002824100      568    15650 SH       DEFINED          001    15650        0       0
D  ABBOTT LABORATORIES INC     COMMON           002824100      252     6935 SH       OTHER            001     6935        0       0
D  ABBOTT LABORATORIES INC     COMMON           002824100     1656    45600 SH       OTHER            002        0        0   45600
D  ABBOTT LABORATORIES INC     COMMON           002824100     1894    52158 SH       DEFINED          002        0    52158       0
D  ACE LIMITED                 COMMON           G0070K103     1168    70000 SH       SOLE             001    70000        0       0
D  ACE LTD                     COMMON           G0070K103        3      200 SH       DEFINED          001      200        0       0
D  ACME UTD CORP               COMMON           004816104      355   315192 SH       DEFINED          001   315192        0       0
D  ACNIELSEN CORP              COMMON           004833109       13      533 SH       OTHER            001      533        0       0
D  AETNA INC                   COMMON           008117103        6      100 SH       SOLE                      100        0       0
D  AETNA INC                   COMMON           008117103       33      600 SH       DEFINED          001      600        0       0
D  AETNA INC                   COMMON           008117103      249     4460 SH       OTHER            002        0        0    4460
D  AETNA INC                   COMMON           008117103       42      746 SH       DEFINED          002        0      746       0
D  AFLAC INC                   COMMON           001055102      248     5250 SH       OTHER            001     5250        0       0
D  AK STL HLDG CORP            COMMON           001547108        7      382 SH       DEFINED          001      382        0       0
D  AK STL HLDG CORP            COMMON           001547108       18      957 SH       OTHER            001      957        0       0
D  ALASKA AIRGROUP             COMMON           011659109      527    15000 SH       SOLE             001    15000        0       0
D  ALBERTSONS INC              COMMON           013104104     1538    47700 SH       DEFINED          001    47425        0     275
D  ALBERTSONS INC              COMMON           013104104      102     3150 SH       OTHER            001     3150        0       0
D  ALBERTSON'S INC             COMMON           013104104       94     2900 SH       OTHER            002        0        0    2900
D  ALBERTSON'S INC             COMMON           013104104      478    14820 SH       DEFINED          002        0    14820       0
D  ALCOA INC                   COMMON           013817101      326     3932 SH       DEFINED          001     3932        0       0
D  ALCOA INC                   COMMON           013817101      183     2200 SH       OTHER            001     2200        0       0
D  ALLEGHENY ENERGY INC        COMMON           017361106       19      700 SH       DEFINED          001      700        0       0
D  ALLEGHENY ENERGY INC        COMMON           017361106       35     1293 SH       OTHER            001     1293        0       0
D  ALLEGHENY ENERGY INC        COMMON           017361106      102     3800 SH       OTHER            002        0        0    3800
D  ALLEGHENY ENERGY INC        COMMON           017361106       99     3670 SH       DEFINED          002        0     3670       0
D  ALLSTATE CORP               COMMON           020002101      101     4184 SH       OTHER            001     4184        0       0
D  ALLTEL CORP                 COMMON           020039103       75      912 SH       DEFINED          001      912        0       0
D  ALLTEL CORP                 COMMON           020039103       11      129 SH       OTHER            001      129        0       0
D  ALZA CORP COM               COMMON           022615108       52     1500 SH       DEFINED          001     1500        0       0
D  AMEREN CORP                 COMMON           023608102       46     1400 SH       OTHER            001     1400        0       0
D  AMERICA ONLINE INC DEL      COMMON           02364J104     1366    18000 SH       SOLE             001    18000        0       0
D  AMERICA ONLINE INC DEL      COMMON           02364J104      115     1510 SH       DEFINED          001     1510        0       0
D  AMERICA ONLINE INC DEL      COMMON           02364J104      228     3000 SH       OTHER            001     3000        0       0
D  AMERICA ONLINE INC DEL      COMMON           02364J104      146     1930 SH       OTHER            002        0        0    1930
D  AMERICA ONLINE INC DEL      COMMON           02364J104      269     3550 SH       DEFINED          002        0     3550       0
D  AMERICAN ANNUITY GROUP INC  COMMON           023840101        1       66 SH       OTHER            001       66        0       0
D  AMERICAN BANK CONN WATERBUR COMMON           024327108     1666    69800 SH       OTHER            002        0        0   69800
D  AMERICAN ELEC PWR INC       COMMON           025537101       72     2237 SH       DEFINED          001     2037        0     200
D  AMERICAN ELEC PWR INC       COMMON           025537101       87     2700 SH       OTHER            001     2700        0       0
D  AMERICAN EXPRESS CO         COMMON           025816109     1371     8247 SH       DEFINED          001     8247        0       0
D  AMERICAN EXPRESS CO         COMMON           025816109      582     3500 SH       OTHER            001     3500        0       0
D  AMERICAN EXPRESS CO         COMMON           025816109      848     5100 SH       OTHER            002        0        0    5100
D  AMERICAN EXPRESS CO         COMMON           025816109     2533    15238 SH       DEFINED          002        0    15238       0
D  AMERICAN GEN CORP       7.0 PREFERRED STOCK  026351809      122     2000 SH       DEFINED          001     N.A.     N.A.    N.A.
D  AMERICAN GENERAL CORP       COMMON           026351106       14      180 SH       OTHER            002        0        0     180
D  AMERICAN GENERAL CORP       COMMON           026351106      432     5700 SH       DEFINED          002        0     5700       0
D  AMERICAN HOME PRODUCTS CORP COMMON           026609107     2139    54500 SH       DEFINED          001    54500        0       0
D  AMERICAN HOME PRODUCTS CORP COMMON           026609107     1148    29257 SH       OTHER            001    29257        0       0
D  AMERICAN HOME PRODUCTS CORP COMMON           026609107      589    15000 SH       SOLE             001    15000        0       0
D  AMERICAN HOME PRODUCTS CORP COMMON           002660910     1215    30955 SH       OTHER            002        0        0   30955
D  AMERICAN HOME PRODUCTS CORP COMMON           002660910     1782    45408 SH       DEFINED          002        0    45408       0
D  AMERICAN INTERNATIONAL GROU COMMON           026874107     1622    15000 SH       SOLE             001    15000        0       0
D  AMERICAN INTERNATIONAL GROU COMMON           026874107     4257    39374 SH       DEFINED          001    39374        0       0
D  AMERICAN INTERNATIONAL GROU COMMON           026874107     2009    18581 SH       OTHER            001    18581        0       0
D  AMERICAN INTERNATIONAL GROU COMMON           026874107     5416    50090 SH       OTHER            002        0        0   50090
D  AMERICAN INTERNATIONAL GROU COMMON           026874107    11094   102604 SH       DEFINED          002        0   102604       0
D  AMERICAN POWER CONVERSION C COMMON           029066107     1441    54626 SH       OTHER            002        0        0   54626
D  AMERICAN POWER CONVERSION C COMMON           029066107     2494    94541 SH       DEFINED          002        0    94541       0
D  AMERICAN STANDARD COS       COMMON           029712106       14      300 SH       DEFINED          001      300        0       0
D  AMERICAN WTR WKS INC        COMMON           030411102        9      404 SH       DEFINED          001      404        0       0
D  AMGEN INC                   COMMON           031162100     1435    23900 SH       DEFINED          001    23900        0       0
D  AMGEN INC                   COMMON           031162100      493     8200 SH       OTHER            001     8200        0       0
D  AMGEN INC                   COMMON           031162100      108     1800 SH       OTHER            002        0        0    1800
D  AMGEN INC                   COMMON           031162100      958    15950 SH       DEFINED          002        0    15950       0
D  ANHEUSER BUSCH COS INC      COMMON           035229103     1418    20000 SH       SOLE             001    20000        0       0
D  ANHEUSER BUSCH COS INC      COMMON           035229103     1985    28000 SH       DEFINED          001    28000        0       0
D  ANHEUSER BUSCH COS INC      COMMON           035229103     1251    17655 SH       OTHER            001    17555        0     100
D  ANHEUSER BUSCH COS INC      COMMON           035229103      893    12600 SH       DEFINED          002        0    12600       0
D  AON CORP                    COMMON           037389103      342     8550 SH       OTHER            002        0        0    8550
D  AON CORP                    COMMON           037389103      111     2775 SH       DEFINED          002        0     2775       0
D  APACHE CORP                 COMMON           037411105        9      240 SH       OTHER            001      240        0       0
D  APOGEE ENTERPRISES INC      COMMON           037598109        9     1866 SH       OTHER            001     1866        0       0
D  APPLIED MATERIALS INC       COMMON           038222105     1267    10000 SH       SOLE             001    10000        0       0
D  APPLIED MATERIALS INC       COMMON           038222105      129     1022 SH       OTHER            001     1022        0       0
D  AQUARION CO                 COMMON           03838W101      177     4782 SH       DEFINED          001     4782        0       0
D  AQUARION CO                 COMMON           03838W101      409    11056 SH       OTHER            001    11056        0       0
D  ARCHER DANIELS MIDLAND CO   COMMON           039483102        5      420 SH       OTHER            001      420        0       0
D  ARVIN INDS INC              COMMON           043339100       11      400 SH       OTHER            001      400        0       0
D  ASSOCIATES FIRST CAPITAL CO COMMON           046008108       23      836 SH       OTHER            001      836        0       0
D  ASSOCIATES FIRST CAPITAL CO COMMON           046008108      315    11482 SH       OTHER            002        0        0   11482
D  ASSOCIATES FIRST CAPITAL CO COMMON           046008108      251     9162 SH       DEFINED          002        0     9162       0
D  AT & T CORP                 COMMON           001957109     3671    72253 SH       DEFINED          001    70441        0    1812
D  AT & T CORP                 COMMON           001957109     1701    33473 SH       OTHER            001    33323        0     150
D  AT & T CORP                 COMMON           001957109     2541    50000 SH       SOLE             001    50000        0       0
D  AT & T CORP                 COMMON           001957109      962    18930 SH       OTHER            002        0        0   18930
D  AT & T CORP                 COMMON           001957109     1945    38287 SH       DEFINED          002        0    38287       0
D  AT & T CORP COM LIBERTY MED COMMON           001957208      114     2000 SH       OTHER            001     2000        0       0
D  AT HOME CORP.               COMMON           045919107      172     4000 SH       SOLE             001     4000        0       0
D  ATLANTIC RICHFIELD CO       COMMON           048825103      247     2860 SH       DEFINED          001     2860        0       0
D  ATLANTIC RICHFIELD CO       COMMON           048825103      467     5400 SH       OTHER            001     5400        0       0
D  ATLANTIC RICHFIELD CO       COMMON           048825103      156     1800 SH       OTHER            002        0        0    1800
D  ATLANTIC RICHFIELD CO       COMMON           048825103     1071    12384 SH       DEFINED          002        0    12384       0
D  AUTOMATIC DATA PROCESSING I COMMON           053015103      113     2100 SH       DEFINED          001     2100        0       0
D  AUTOMATIC DATA PROCESSING I COMMON           053015103      364     6755 SH       OTHER            001     6755        0       0
D  AUTOMATIC DATA PROCESSING I COMMON           053015103     1363    25300 SH       OTHER            002        0        0   25300
D  AUTOMATIC DATA PROCESSING I COMMON           053015103     2063    38300 SH       DEFINED          002        0    38300       0
D  AVALONBAY CMNTYS INC        COMMON           053484101       35     1000 SH       DEFINED          001     1000        0       0
D  AVALONBAY CMNTYS INC        COMMON           053484101       69     2000 SH       OTHER            001     2000        0       0
D  AVERY DENNISON CORP         COMMON           053611109      277     3798 SH       OTHER            001     3798        0       0
D  AVNET INC                   COMMON           053807103     2499    41300 SH       DEFINED          001    41125        0     175
D  AVNET INC                   COMMON           053807103      185     3050 SH       OTHER            001     3050        0       0
D  AVNET INC                   COMMON           053807103      783    12950 SH       OTHER            002        0        0   12950
D  AVNET INC                   COMMON           053807103      853    14098 SH       DEFINED          002        0    14098       0
D  AVON PRODUCTS               COMMON           054303102     1485    45000 SH       SOLE             001    45000        0       0
D  AXA                         COMMON           054536107      178     2500 SH       OTHER            001     2500        0       0
D  AXA FINL INC                COMMON           002451102        3       94 SH       DEFINED          001       94        0       0
D  BANC ONE                    COMMON           059438101        5      133 SH       SOLE                      133        0       0
D  BANC ONE                    COMMON           059438101        5      133 SH       SOLE             001      133        0       0
D  BANK OF AMERICA CORP        COMMON           060505104       21      426 SH       SOLE                      426        0       0
D  BANK OF AMERICA CORP        COMMON           060505104      228     4549 SH       DEFINED          001     4549        0       0
D  BANK OF AMERICA CORP        COMMON           060505104       91     1817 SH       OTHER            001     1817        0       0
D  BANK OF AMERICA CORP        COMMON           060505104     1778    35426 SH       SOLE             001    35426        0       0
D  BANK OF AMERICA CORP        COMMON           060505104       77     1528 SH       OTHER            002        0        0    1528
D  BANK OF AMERICA CORP        COMMON           060505104      195     3885 SH       DEFINED          002        0     3885       0
D  BANK OF NEW YORK INC        COMMON           064057102       32      800 SH       SOLE                      800        0       0
D  BANK OF NEW YORK INC        COMMON           064057102      650    16239 SH       DEFINED          001    16239        0       0
D  BANK OF NEW YORK INC        COMMON           064057102      429    10720 SH       OTHER            001    10720        0       0
D  BANK OF NEW YORK INC        COMMON           064057102       32      800 SH       SOLE             001      800        0       0
D  BANK OF NEW YORK INC        COMMON           064057102     2514    62843 SH       OTHER            002        0        0   62843
D  BANK OF NEW YORK INC        COMMON           064057102      559    13967 SH       DEFINED          002        0    13967       0
D  BANK ONE CORP               COMMON           06423A103       74     2300 SH       DEFINED          001     2300        0       0
D  BANK ONE CORP               COMMON           06423A103       38     1197 SH       OTHER            001     1197        0       0
D  BANK ONE CORP               COMMON           06423A103      332    10375 SH       OTHER            002        0        0   10375
D  BANK ONE CORP               COMMON           06423A103       54     1696 SH       DEFINED          002        0     1696       0
D  BANK TOKYO-MITSUBISHI LTD   COMMON           065379109       84     6000 SH       OTHER            001     6000        0       0
D  BARCLAYS BK PLC AMER DEP NT PREFERRED STOCK  06738C836       14      640 SH       OTHER            001     N.A.     N.A.    N.A.
D  BARD C R INC                COMMON           067383109      155     2930 SH       OTHER            001     2930        0       0
D  BARNES & NOBLE INC.         COMMON           067774109      412    20000 SH       SOLE             001    20000        0       0
D  BASS PUB LTD CO             COMMON           069904209        0        8 SH       DEFINED          001        8        0       0
D  BAXTER INTERNATIONAL INC    COMMON           071813109        6      100 SH       DEFINED          001      100        0       0
D  BAXTER INTERNATIONAL INC    COMMON           071813109     1200    19100 SH       OTHER            002        0        0   19100
D  BAXTER INTERNATIONAL INC    COMMON           071813109      964    15350 SH       DEFINED          002        0    15350       0
D  BECTON DICKINSON & CO       COMMON           075887109       57     2100 SH       DEFINED          001     2100        0       0
D  BECTON, DICKINSON & CO      COMMON           075887109       65     2400 SH       OTHER            002        0        0    2400
D  BECTON, DICKINSON & CO      COMMON           075887109      556    20650 SH       DEFINED          002        0    20650       0
D  BELL ATLANTIC CORP          COMMON           077853109     1064    17285 SH       DEFINED          001    15517        0    1768
D  BELL ATLANTIC CORP          COMMON           077853109      630    10228 SH       OTHER            001    10228        0       0
D  BELL ATLANTIC CORP          COMMON           077853109      814    13224 SH       OTHER            002        0        0   13224
D  BELL ATLANTIC CORP          COMMON           077853109      964    15664 SH       DEFINED          002        0    15664       0
D  BELLSOUTH CORP              COMMON           079860102     2870    61308 SH       DEFINED          001    59008        0    2300
D  BELLSOUTH CORP              COMMON           079860102      560    11969 SH       OTHER            001    11969        0       0
D  BELLSOUTH CORP              COMMON           079860102     1281    27374 SH       OTHER            002        0        0   27374
D  BELLSOUTH CORP              COMMON           079860102      735    15708 SH       DEFINED          002        0    15708       0
D  BEMIS INC                   COMMON           081437105       19      550 SH       DEFINED          001      550        0       0
D  BERGEN BRUNSWIG CORP        COMMON           083739102        6      700 SH       DEFINED          001      700        0       0
D  BERKSHIRE HATHAWAY INC CL A COMMON           084670108      954       17 SH       OTHER            002        0        0      17
D  BESTFOODS INC               COMMON           08658U101      189     3600 SH       DEFINED          001     3600        0       0
D  BESTFOODS INC               COMMON           08658U101       63     1200 SH       OTHER            001     1200        0       0
D  BESTFOODS INC               COMMON           08658U101      326     6200 SH       OTHER            002        0        0    6200
D  BESTFOODS INC               COMMON           08658U101     1482    28200 SH       DEFINED          002        0    28200       0
D  BIOGEN INC                  COMMON           090597105       43      510 SH       DEFINED          001      510        0       0
D  BLACK & DECKER CORP         COMMON           091797100       52     1000 SH       OTHER            001     1000        0       0
D  BLACK & DECKER CORP.        COMMON           091797100     1045    20000 SH       SOLE             001    20000        0       0
D  BLACKROCK INCOME TR INC     OTHER            09247F100       86    15000 SH       DEFINED          001     N.A.     N.A.    N.A.
D  BMC INDS INC MINN           COMMON           055607105        5     1000 SH       OTHER            001     1000        0       0
D  BOEING CO                   COMMON           097023105     1311    31650 SH       DEFINED          001    31650        0       0
D  BOEING CO                   COMMON           097023105      394     9500 SH       OTHER            001     8900        0     600
D  BOEING CO                   COMMON           097023105     1243    30000 SH       SOLE             001    30000        0       0
D  BOEING CO                   COMMON           097023105      758    18300 SH       OTHER            002        0        0   18300
D  BOEING CO                   COMMON           097023105      138     3336 SH       DEFINED          002        0     3336       0
D  BOSTON SCIENTIFIC CORP.     COMMON           101137107      656    30000 SH       SOLE             001    30000        0       0
D  BP AMOCO PLC ADR            COMMON           055622104     3784    63792 SH       DEFINED          001    63792        0       0
D  BP AMOCO PLC ADR            COMMON           055622104     1547    26084 SH       OTHER            001    26084        0       0
D  BP AMOCO PLC ADR            COMMON           055622104     1088    18346 SH       OTHER            002        0        0   18346
D  BP AMOCO PLC ADR            COMMON           055622104     1650    27816 SH       DEFINED          002        0    27816       0
D  BRISTOL MYERS SQUIBB CO     COMMON           110122108      963    15000 SH       SOLE             001    15000        0       0
D  BRISTOL MYERS SQUIBB CO     COMMON           110122108     3734    58169 SH       DEFINED          001    57169        0    1000
D  BRISTOL MYERS SQUIBB CO     COMMON           110122108     2821    43946 SH       OTHER            001    43946        0       0
D  BRISTOL-MYERS SQUIBB CO     COMMON           110122108     3611    56256 SH       OTHER            002        0        0   56256
D  BRISTOL-MYERS SQUIBB CO     COMMON           110122108     5599    87236 SH       DEFINED          002        0    87236       0
D  BROWN FORMAN CORP CL A      COMMON           115637100       49      900 SH       OTHER            001      900        0       0
D  BROWN TOM INC               COMMON           115660201       13     1000 SH       DEFINED          001     1000        0       0
D  BROWN TOM INC               COMMON           115660201       13     1000 SH       OTHER            001     1000        0       0
D  BURLINGTON NORTHN SANTA FE  COMMON           12189T104      364    15000 SH       SOLE             001    15000        0       0
D  BURLINGTON NORTHN SANTA FE  COMMON           12189T104       67     2750 SH       DEFINED          001     2000        0     750
D  BURLINGTON NORTHN SANTA FE  COMMON           12189T104       44     1800 SH       OTHER            001     1800        0       0
D  BURLINGTON NORTHN SANTA FE  COMMON           12189T104       73     3000 SH       OTHER            002        0        0    3000
D  BURLINGTON NORTHN SANTA FE  COMMON           12189T104      546    22515 SH       DEFINED          002        0    22515       0
D  BURLINGTON RES INC          COMMON           122014103       36     1100 SH       DEFINED          001      700        0     400
D  BURLINGTON RES INC          COMMON           122014103       46     1394 SH       OTHER            001     1394        0       0
D  BUTLER INTL INC NEW         COMMON           123649105       66     6000 SH       OTHER            001     6000        0       0
D  CABLEVISION SYS CORP        COMMON           12686C109       57      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       89     2300 SH       DEFINED          001     2300        0       0
D  CAMPBELL SOUP CO            COMMON           134429109      232     6000 SH       OTHER            002        0        0    6000
D  CAMPBELL SOUP CO            COMMON           134429109      317     8200 SH       DEFINED          002        0     8200       0
D  CAMPBELL SOUP CO.           COMMON           134429109      774    20000 SH       SOLE             001    20000        0       0
D  CARDINAL HEALTH INC COM     COMMON           14149Y108       62     1300 SH       OTHER            001     1300        0       0
D  CARNIVAL CORP CL A          COMMON           143658102     1705    35650 SH       DEFINED          001    35500        0     150
D  CARNIVAL CORP CL A          COMMON           143658102      161     3375 SH       OTHER            001     3375        0       0
D  CAROLINA PWR & LT CO        COMMON           144141108       43     1400 SH       DEFINED          001     1400        0       0
D  CAROLINA PWR & LT CO        COMMON           144141108       16      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     1247    26500 SH       DEFINED          001    26500        0       0
D  CATERPILLAR INC             COMMON           149123101      174     3700 SH       OTHER            001     3700        0       0
D  CATERPILLAR INC             COMMON           149123101      471    10000 SH       SOLE             001    10000        0       0
D  CATERPILLAR INC             COMMON           149123101      842    17900 SH       DEFINED          002        0    17900       0
D  CBRL GROUP INC              COMMON           12489V106        1       70 SH       DEFINED          001       70        0       0
D  CBS CORP                    COMMON           12490K107       73     1140 SH       DEFINED          001     1140        0       0
D  CBS CORP.                   COMMON           12490K107     1036    16200 SH       SOLE             001    16200        0       0
D  CENTRAL & SOUTH WEST CORP   COMMON           152357109       30     1504 SH       OTHER            001     1504        0       0
D  CENTRAL & SOUTHWEST CORP    COMMON           152357109       44     2200 SH       OTHER            002        0        0    2200
D  CENTRAL & SOUTHWEST CORP    COMMON           152357109      176     8800 SH       DEFINED          002        0     8800       0
D  CERIDIAN CORP               COMMON           15677T106       46     2120 SH       DEFINED          001     2120        0       0
D  CHARTER ONE FINL INC        COMMON           160903100        6      300 SH       DEFINED          001      300        0       0
D  CHARTER ONE FINL INC        COMMON           160903100       20     1050 SH       OTHER            001     1050        0       0
D  CHASE MANHATTAN CORP        COMMON           16161A108       32      408 SH       SOLE                      408        0       0
D  CHASE MANHATTAN CORP        COMMON           16161A108       32      408 SH       SOLE             001      408        0       0
D  CHASE MANHATTAN CORP        COMMON           16161A108      227     2922 SH       DEFINED          001     2922        0       0
D  CHASE MANHATTAN CORP        COMMON           16161A108      265     3410 SH       OTHER            001     3410        0       0
D  CHASE MANHATTAN CORP        COMMON           16161A108      226     2908 SH       OTHER            002        0        0    2908
D  CHASE MANHATTAN CORP        COMMON           16161A108      487     6270 SH       DEFINED          002        0     6270       0
D  CHEMED CORP                 COMMON           163596109       11      400 SH       OTHER            001      400        0       0
D  CHEVRON CORP                COMMON           166751107     1561    18025 SH       DEFINED          001    17950        0      75
D  CHEVRON CORP                COMMON           166751107      595     6865 SH       OTHER            001     6865        0       0
D  CHEVRON CORP                COMMON           166751107      638     7370 SH       OTHER            002        0        0    7370
D  CHEVRON CORP                COMMON           166751107      988    11400 SH       DEFINED          002        0    11400       0
D  CHUBB CORP                  COMMON           171232101     3141    55775 SH       DEFINED          001    55775        0       0
D  CHUBB CORP                  COMMON           171232101      421     7475 SH       OTHER            001     7475        0       0
D  CHUBB CORP                  COMMON           171232101      845    15000 SH       SOLE             001    15000        0       0
D  CIENA CORP.                 COMMON           171779101      862    15000 SH       SOLE             001    15000        0       0
D  CIGNA CORP                  COMMON           125509109      249     3086 SH       DEFINED          001     3086        0       0
D  CIGNA CORP                  COMMON           125509109       66      818 SH       OTHER            001      818        0       0
D  CIGNA CORP                  COMMON           125509109      598     7425 SH       OTHER            002        0        0    7425
D  CIGNA CORP                  COMMON           125509109       25      315 SH       DEFINED          002        0      315       0
D  CINCINNATI FINANCIAL CORP   COMMON           172062101      155     4959 SH       OTHER            002        0        0    4959
D  CINCINNATI FINANCIAL CORP   COMMON           172062101      464    14880 SH       DEFINED          002        0    14880       0
D  CINERGY CORP.               COMMON           172474108     1197    50000 SH       SOLE             001    50000        0       0
D  CIRCUIT CITY STORES INC     COMMON           172737108     3009    66765 SH       DEFINED          001    66565        0     200
D  CIRCUIT CITY STORES INC     COMMON           172737108      469    10400 SH       OTHER            001    10400        0       0
D  CISCO SYSTEMS INC           COMMON           17275R102     7830    73089 SH       DEFINED          001    73089        0       0
D  CISCO SYSTEMS INC           COMMON           17275R102     3402    31760 SH       OTHER            001    31760        0       0
D  CISCO SYSTEMS INC           COMMON           17275R102     3214    30000 SH       SOLE             001    30000        0       0
D  CISCO SYSTEMS INC           COMMON           17275R102     1568    14634 SH       OTHER            002        0        0   14634
D  CISCO SYSTEMS INC           COMMON           17275R102     2904    27105 SH       DEFINED          002        0    27105       0
D  CITIGROUP INC               COMMON           172967101       21      375 SH       SOLE                      375        0       0
D  CITIGROUP INC               COMMON           172967101     1691    30375 SH       SOLE             001    30375        0       0
D  CITIGROUP INC               COMMON           172967101     3494    62742 SH       DEFINED          001    62742        0       0
D  CITIGROUP INC               COMMON           172967101     1662    29846 SH       OTHER            001    29846        0       0
D  CITIGROUP INC               COMMON           172967101     2282    40981 SH       OTHER            002        0        0   40981
D  CITIGROUP INC               COMMON           172967101     2840    51002 SH       DEFINED          002        0    51002       0
D  CITIZENS UTILS CO DEL SER B COMMON           177342201        4      308 SH       DEFINED          001      308        0       0
D  CLECO CORP NEW              COMMON           12561W105       64     2000 SH       OTHER            001     2000        0       0
D  CLOROX CO                   COMMON           189054109       10      200 SH       OTHER            001      200        0       0
D  COASTAL CORP                COMMON           190441105      106     3000 SH       OTHER            001     3000        0       0
D  COCA COLA CO                COMMON           191216100     2873    49321 SH       DEFINED          001    49321        0       0
D  COCA COLA CO                COMMON           191216100     1721    29550 SH       OTHER            001    29550        0       0
D  COCA-COLA CO                COMMON           191216100      947    16266 SH       OTHER            002        0        0   16266
D  COCA-COLA CO                COMMON           191216100     1211    20787 SH       DEFINED          002        0    20787       0
D  COLGATE PALMOLIVE CO        COMMON           194162103      676    10400 SH       DEFINED          001    10400        0       0
D  COLGATE PALMOLIVE CO        COMMON           194162103      585     9000 SH       OTHER            001     9000        0       0
D  COLGATE-PALMOLIVE CO        COMMON           194162103       52      800 SH       OTHER            002        0        0     800
D  COLGATE-PALMOLIVE CO        COMMON           194162103      151     2320 SH       DEFINED          002        0     2320       0
D  COLONIAL HIGH INCOME MUN TR OTHER            195743109      140    22000 SH       OTHER            001     N.A.     N.A.    N.A.
D  COMCAST CORP CL A           COMMON           200300101       36      750 SH       DEFINED          001      750        0       0
D  COMCAST CORP CL A SPL       COMMON           200300200       54     1064 SH       DEFINED          001     1064        0       0
D  COMCAST CORP CL A SPL       COMMON           200300200     1011    20000 SH       SOLE             001    20000        0       0
D  COMERICA INC                COMMON           200340107       21      450 SH       OTHER            001      450        0       0
D  COMPAQ COMPUTER CORP        COMMON           204493100      206     7600 SH       DEFINED          001     7600        0       0
D  COMPAQ COMPUTER CORP        COMMON           204493100      337    12450 SH       OTHER            001    12300        0     150
D  COMPAQ COMPUTER CORP        COMMON           204493100      812    30000 SH       SOLE             001    30000        0       0
D  COMPUTER ASSOC INTL INC     COMMON           204912109     5947    85037 SH       DEFINED          001    84862        0     175
D  COMPUTER ASSOC INTL INC     COMMON           204912109     1345    19225 SH       OTHER            001    19075        0     150
D  COMPUTER ASSOC INTL INC     COMMON           204912109     1049    15000 SH       SOLE             001    15000        0       0
D  COMPUTER SCIENCES CORP      COMMON           205363104       95     1000 SH       DEFINED          001     1000        0       0
D  CONAGRA INC                 COMMON           205887102       31     1350 SH       DEFINED          001     1350        0       0
D  CONAGRA INC                 COMMON           205887102      472    20800 SH       OTHER            001    20800        0       0
D  CONAGRA INC                 COMMON           205887102      681    30000 SH       SOLE             001    30000        0       0
D  CONEXANT SYS INC            COMMON           207142100       27      400 SH       DEFINED          001      400        0       0
D  CONEXANT SYS INC            COMMON           207142100      159     2392 SH       OTHER            001     2392        0       0
D  CONN ENERGY CORP            COMMON           207567108       17      442 SH       DEFINED          001      442        0       0
D  CONN ENERGY CORP            COMMON           207567108       93     2400 SH       OTHER            001     2400        0       0
D  CONOCO INC CL B             COMMON           208251405       34     1350 SH       DEFINED          001     1350        0       0
D  CONSOLIDATED EDISON INC     COMMON           209115104       14      400 SH       DEFINED          001      400        0       0
D  CONSOLIDATED EDISON INC     COMMON           209115104       10      300 SH       OTHER            001      300        0       0
D  CONSOLIDATED NAT GAS CO     COMMON           209615103      299     4600 SH       DEFINED          001     4600        0       0
D  CONSOLIDATED NAT GAS CO     COMMON           209615103      721    11100 SH       OTHER            001    11100        0       0
D  CONSOLIDATED PRODS INC      COMMON           209798107      557    50000 SH       DEFINED          001    50000        0       0
D  CONSOLIDATED STORES CORP    COMMON           210149100       36     2187 SH       DEFINED          001     2187        0       0
D  CONSTELLATION ENERGY GROUP  COMMON           210371100       35     1200 SH       OTHER            001     1200        0       0
D  COOPER INDS INC             COMMON           216669101       32      800 SH       OTHER            001      800        0       0
D  CORNING INC                 COMMON           219350105      181     1400 SH       DEFINED          001     1400        0       0
D  CORNING INC                 COMMON           219350105      103      800 SH       OTHER            001      800        0       0
D  CORNING INC                 COMMON           219350105      193     1500 SH       OTHER            002        0        0    1500
D  CORNING INC                 COMMON           219350105     1284     9960 SH       DEFINED          002        0     9960       0
D  COSTCO WHSL CORP NEW        COMMON           22160K105      885     9700 SH       DEFINED          001     9700        0       0
D  COSTCO WHSL CORP NEW        COMMON           22160K105      151     1650 SH       OTHER            001     1650        0       0
D  CRESCENT REAL ESTATE        COMMON           225756105       33     1800 SH       DEFINED          001     1800        0       0
D  CRESCENT REAL ESTATE        COMMON           225756105       50     2700 SH       OTHER            001     2700        0       0
D  CSX CORP                    COMMON           126408103      125     3980 SH       DEFINED          001     3980        0       0
D  CSX CORP                    COMMON           126408103      298     9500 SH       OTHER            001     9500        0       0
D  CTG RES INC                 COMMON           125957100       80     2300 SH       OTHER            001     2300        0       0
D  CUMMINS ENGINE INC          COMMON           231021106       20      420 SH       OTHER            001      420        0       0
D  CVS CORP                    COMMON           126650100      315     7900 SH       OTHER            002        0        0    7900
D  CVS CORP                    COMMON           126650100      790    19806 SH       DEFINED          002        0    19806       0
D  CYGNUS INC                  COMMON           232560102      274    15000 SH       OTHER            001    15000        0       0
D  DAIMLERCHRYSLER AG          COMMON           D1668R123     1485    19043 SH       DEFINED          001    19043        0       0
D  DAIMLERCHRYSLER AG          COMMON           D1668R123      390     5002 SH       OTHER            001     4877        0     125
D  DANA CORP                   COMMON           235811106      478    15979 SH       DEFINED          001    15736        0     243
D  DANA CORP                   COMMON           235811106       28      925 SH       OTHER            001      925        0       0
D  DANA CORP                   COMMON           235811106       11      371 SH       OTHER            002        0        0     371
D  DANA CORP                   COMMON           235811106      409    13654 SH       DEFINED          002        0    13654       0
D  DAYTON HUDSON CORP          COMMON           239753106     1630    22200 SH       DEFINED          001    22200        0       0
D  DAYTON HUDSON CORP          COMMON           239753106      393     5350 SH       OTHER            001     5350        0       0
D  DEERE & CO                  COMMON           244199105     1285    29635 SH       DEFINED          001    29635        0       0
D  DEERE & CO                  COMMON           244199105      203     4685 SH       OTHER            001     4685        0       0
D  DEERE & CO                  COMMON           244199105       26      600 SH       OTHER            002        0        0     600
D  DEERE & CO                  COMMON           244199105      234     5400 SH       DEFINED          002        0     5400       0
D  DELL COMPUTER CORP          COMMON           247025109      233     4560 SH       DEFINED          001     4560        0       0
D  DELL COMPUTER CORP          COMMON           247025109      107     2104 SH       OTHER            001     2104        0       0
D  DELPHI AUTOMOTIVE SYS CORP  COMMON           247126105        3      167 SH       DEFINED          001      167        0       0
D  DELPHI AUTOMOTIVE SYS CORP  COMMON           247126105       12      793 SH       OTHER            001      793        0       0
D  DELPHI AUTOMOTIVE SYS CORP  COMMON           247126105      330    20967 SH       SOLE             001    20967        0       0
D  DEXTER CORP                 COMMON           252165105        8      200 SH       OTHER            001      200        0       0
D  DIAL CORP NEW               COMMON           25247D101        1       48 SH       DEFINED          001       48        0       0
D  DIAMONDS TRUST SERIES I     COMMON           252787106     1037     9000 SH       SOLE             001     9000        0       0
D  DIANON SYSTEMS              COMMON           252826102     1374    99900 SH       SOLE             001    99900        0       0
D  DIGITAL LIGHTWAVE INC       COMMON           253855100      640    10000 SH       OTHER            001    10000        0       0
D  DIONEX CORP                 COMMON           254546104       41     1000 SH       DEFINED          001     1000        0       0
D  DISNEY (WALT) CO HOLDINGS C COMMON           254687106     1024    35000 SH       SOLE             001    35000        0       0
D  DISNEY (WALT) CO HOLDINGS C COMMON           254687106       63     2150 SH       DEFINED          001     2150        0       0
D  DISNEY (WALT) CO HOLDINGS C COMMON           254687106       11      375 SH       OTHER            001      375        0       0
D  DISNEY (WALT) CO HOLDINGS C COMMON           254687106      594    20300 SH       OTHER            002        0        0   20300
D  DISNEY (WALT) CO HOLDINGS C COMMON           254687106     1806    61743 SH       DEFINED          002        0    61743       0
D  DOMINION RES INC VA         COMMON           257470104       44     1118 SH       OTHER            001     1118        0       0
D  DONNELLEY R R & SONS CO     COMMON           257867101       25     1000 SH       DEFINED          001     1000        0       0
D  DONNELLEY R R & SONS CO     COMMON           257867101       20      800 SH       OTHER            001      800        0       0
D  DOVER CORP                  COMMON           260003108      299     6600 SH       DEFINED          001     6600        0       0
D  DOVER CORP                  COMMON           260003108     1316    29000 SH       OTHER            001    28800        0     200
D  DOW CHEMICAL CO             COMMON           260543103     1036     7754 SH       DEFINED          001     7754        0       0
D  DOW CHEMICAL CO             COMMON           260543103     1403    10500 SH       OTHER            001    10500        0       0
D  DOW CHEMICAL CO             COMMON           260543103      888     6648 SH       OTHER            002        0        0    6648
D  DOW CHEMICAL CO             COMMON           260543103     1462    10941 SH       DEFINED          002        0    10941       0
D  DQE INC COM                 COMMON           23329J104       29      829 SH       OTHER            001      829        0       0
D  DTE ENERGY CO               COMMON           233331107       63     2000 SH       DEFINED          001     2000        0       0
D  DUFF & PHELPS UTIL INCOME I COMMON           264324104      211    25352 SH       OTHER            002        0        0   25352
D  DUFF & PHELPS UTIL INCOME I COMMON           264324104      222    26738 SH       DEFINED          002        0    26738       0
D  DUKE ENERGY CORP            COMMON           264399106      134     2679 SH       DEFINED          001     2679        0       0
D  DUKE ENERGY CORP            COMMON           264399106       50     1000 SH       OTHER            001     1000        0       0
D  DUKE ENERGY CORP            COMMON           264399106      113     2250 SH       OTHER            002        0        0    2250
D  DUKE ENERGY CORP            COMMON           264399106      188     3750 SH       DEFINED          002        0     3750       0
D  DUKE RLTY INVTS INC         COMMON           264411505       16      800 SH       DEFINED          001      800        0       0
D  DUN & BRADSTREET CORP DEL   COMMON           26483B106       47     1600 SH       OTHER            001     1600        0       0
D  DUPONT (E.I.) DE NEMOURS &  COMMON           263534109     3927    59614 SH       DEFINED          001    59614        0       0
D  DUPONT (E.I.) DE NEMOURS &  COMMON           263534109     1928    29270 SH       OTHER            001    29270        0       0
D  DUPONT (E.I.) DE NEMOURS &  COMMON           263534109      470     7128 SH       OTHER            002        0        0    7128
D  DUPONT (E.I.) DE NEMOURS &  COMMON           263534109     2111    32050 SH       DEFINED          002        0    32050       0
D  E M C CORP MASS             COMMON           268648102     1921    17586 SH       DEFINED          001    17586        0       0
D  E M C CORP MASS             COMMON           268648102      475     4350 SH       OTHER            001     4350        0       0
D  EASTMAN CHEM CO             COMMON           277432100        2       49 SH       OTHER            001       49        0       0
D  EASTMAN KODAK CO            COMMON           277461109       73     1100 SH       DEFINED          001     1100        0       0
D  EASTMAN KODAK CO            COMMON           277461109      174     2628 SH       OTHER            001     2628        0       0
D  EASTMAN KODAK CO            COMMON           277461109      416     6283 SH       OTHER            002        0        0    6283
D  EASTMAN KODAK CO            COMMON           277461109      192     2900 SH       DEFINED          002        0     2900       0
D  ECHO BAY MINES LTD          COMMON           278751102        0      200 SH       OTHER            001      200        0       0
D  EL PASO ENERGY CORP         COMMON           283905107        2       54 SH       DEFINED          001       54        0       0
D  EL PASO ENERGY CORP         COMMON           283905107       65     1666 SH       OTHER            001     1666        0       0
D  EL PASO ENERGY CORP         COMMON           283905107       39     1000 SH       OTHER            002        0        0    1000
D  EL PASO ENERGY CORP         COMMON           283905107      313     8058 SH       DEFINED          002        0     8058       0
D  EL PASO ENERGY PARTNERS L P COMMON           28368B102       38     2000 SH       OTHER            001     2000        0       0
D  ELAN CORP PLC ADR           COMMON           284131208       18      600 SH       OTHER            002        0        0     600
D  ELAN CORP PLC ADR           COMMON           284131208      229     7766 SH       DEFINED          002        0     7766       0
D  ELECTRONIC DATA SYSTEMS COR COMMON           285661104       13      200 SH       DEFINED          001      200        0       0
D  ELECTRONIC DATA SYSTEMS COR COMMON           285661104       31      456 SH       OTHER            001      456        0       0
D  ELECTRONIC DATA SYSTEMS COR COMMON           285661104     1136    16974 SH       OTHER            002        0        0   16974
D  ELECTRONIC DATA SYSTEMS COR COMMON           285661104     2754    41136 SH       DEFINED          002        0    41136       0
D  ELECTRONICS FOR IMAGING INC COMMON           286082102      233     4000 SH       DEFINED          002        0     4000       0
D  EMC CORP                    COMMON           268648102     1092    10000 SH       SOLE             001    10000        0       0
D  EMC CORP                    COMMON           268648102      109     1000 SH       OTHER            002        0        0    1000
D  EMC CORP                    COMMON           268648102      158     1450 SH       DEFINED          002        0     1450       0
D  EMERSON ELECTRIC CO         COMMON           291011104     1896    33040 SH       DEFINED          001    33040        0       0
D  EMERSON ELECTRIC CO         COMMON           291011104      982    17109 SH       OTHER            001    17109        0       0
D  EMERSON ELECTRIC CO         COMMON           291011104      247     4300 SH       OTHER            002        0        0    4300
D  EMERSON ELECTRIC CO         COMMON           291011104      453     7888 SH       DEFINED          002        0     7888       0
D  ENDOSONICS CORP             COMMON           29264K105       68    15000 SH       SOLE             001    15000        0       0
D  ENERGY EAST CORP            COMMON           29266M109       26     1232 SH       DEFINED          001        0        0    1232
D  ENRON CORP                  COMMON           293561106     1524    34350 SH       DEFINED          001    34350        0       0
D  ENRON CORP                  COMMON           293561106      368     8300 SH       OTHER            001     8300        0       0
D  ENRON INC                   COMMON           293561106       75     1700 SH       OTHER            002        0        0    1700
D  ENRON INC                   COMMON           293561106      368     8300 SH       DEFINED          002        0     8300       0
D  EQUIFAX INC                 COMMON           294429105       14      600 SH       DEFINED          001      600        0       0
D  EQUITY INCOME FUND (AT&T)   COMMON           294700703      284     1400 SH       DEFINED          002        0     1400       0
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  ERICSSON                    COMMON           294821400     1642    25000 SH       SOLE             001    25000        0       0
D  EXXON MOBIL CORP            COMMON           30231G102     9597   119130 SH       DEFINED          001   116459        0    2671
D  EXXON MOBIL CORP            COMMON           30231G102     4231    52517 SH       OTHER            001    52517        0       0
D  EXXON MOBIL CORP            COMMON           30231G102     3609    44802 SH       SOLE             001    44802        0       0
D  EXXON MOBIL CORP            COMMON           30231G102     5668    70356 SH       OTHER            002        0        0   70356
D  EXXON MOBIL CORP            COMMON           30231G102     7838    97285 SH       DEFINED          002        0    97285       0
D  FANNIE MAE                  COMMON           313586109     4164    66691 SH       DEFINED          001    66691        0       0
D  FANNIE MAE                  COMMON           313586109     2344    37540 SH       OTHER            001    37540        0       0
D  FANNIE MAE                  COMMON           313586109      240     3850 SH       OTHER            002        0        0    3850
D  FANNIE MAE                  COMMON           313586109      491     7857 SH       DEFINED          002        0     7857       0
D  FDX CORP                    COMMON           31304N107     2177    53185 SH       DEFINED          001    53185        0       0
D  FDX CORP                    COMMON           31304N107      540    13200 SH       OTHER            001    13200        0       0
D  FEDERAL HOME LN MTG CORP    COMMON           313400301       42      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     1011    20000 SH       SOLE             001    20000        0       0
D  FEDEX CORPORATION           COMMON           31428X106       75     1600 SH       OTHER            002        0        0    1600
D  FEDEX CORPORATION           COMMON           31428X106      525    11269 SH       DEFINED          002        0    11269       0
D  FIRST DATA CORP             COMMON           319963104      383     7760 SH       OTHER            002        0        0    7760
D  FIRST DATA CORP             COMMON           319963104     1120    22710 SH       DEFINED          002        0    22710       0
D  FIRST INTL BANCORP INC      COMMON           32054Q100      140    17500 SH       DEFINED          001    17500        0       0
D  FIRST LITCHFIELD FINANCIAL  COMMON           320724107      346    19237 SH       DEFINED          002        0    19237       0
D  FIRST UNION CORP            COMMON           337358105       14      432 SH       SOLE                      432        0       0
D  FIRST UNION CORP            COMMON           337358105      673    20432 SH       SOLE             001    20432        0       0
D  FIRST UNION CORP            COMMON           337358105      107     3238 SH       DEFINED          001     3238        0       0
D  FIRST UNION CORP            COMMON           337358105       64     1934 SH       OTHER            001     1934        0       0
D  FIRST UNION CORP            COMMON           337358105      545    16551 SH       OTHER            002        0        0   16551
D  FIRST UNION CORP            COMMON           337358105       25      766 SH       DEFINED          002        0      766       0
D  FLEET BOSTON FINANCIAL CORP COMMON           339030108       21      614 SH       SOLE                      614        0       0
D  FLEET BOSTON FINANCIAL CORP COMMON           339030108     1414    40614 SH       SOLE             001    40614        0       0
D  FLEET BOSTON FINANCIAL CORP COMMON           339030108     4588   131806 SH       DEFINED          001   131456        0     350
D  FLEET BOSTON FINANCIAL CORP COMMON           339030108     1151    33053 SH       OTHER            001    33053        0       0
D  FLEET BOSTON FINANCIAL CORP COMMON           339030108      445    12772 SH       OTHER            002        0        0   12772
D  FLEET BOSTON FINANCIAL CORP COMMON           339030108     1515    43517 SH       DEFINED          002        0    43517       0
D  FLEMING                     COMMON           339130106      359    35000 SH       SOLE             001    35000        0       0
D  FLIR SYS INC                COMMON           302445101       13      800 SH       OTHER            001      800        0       0
D  FLORIDA PROGRESS CORP       COMMON           341109106       13      300 SH       DEFINED          001      300        0       0
D  FLORIDA PROGRESS CORP       COMMON           341109106       13      300 SH       OTHER            002        0        0     300
D  FLORIDA PROGRESS CORP       COMMON           341109106      365     8615 SH       DEFINED          002        0     8615       0
D  FORD MOTOR CO               COMMON           345370100      184     3450 SH       DEFINED          001     3450        0       0
D  FORD MOTOR CO               COMMON           345370100      810    15200 SH       OTHER            001    15200        0       0
D  FORD MOTOR CO               COMMON           345370100     1180    22135 SH       OTHER            002        0        0   22135
D  FORD MOTOR CO               COMMON           345370100      796    14934 SH       DEFINED          002        0    14934       0
D  FORT JAMES CORPORATION      COMMON           347471104      958    35000 SH       SOLE             001    35000        0       0
D  FORTUNE BRANDS INC          COMMON           349631101       99     3000 SH       DEFINED          001     3000        0       0
D  FORTUNE BRANDS INC          COMMON           349631101      106     3200 SH       OTHER            001     3200        0       0
D  FORTUNE BRANDS INC.         COMMON           349631101      496    15000 SH       SOLE             001    15000        0       0
D  FOX ENTERTAINMENT GROUP     COMMON           35138T107      499    20000 SH       SOLE             001    20000        0       0
D  FPL GROUP INC               COMMON           302571104      771    18000 SH       SOLE             001    18000        0       0
D  FPL GROUP INC               COMMON           302571104     1445    33759 SH       DEFINED          001    33634        0     125
D  FPL GROUP INC               COMMON           302571104      552    12904 SH       OTHER            001    12904        0       0
D  FREDDIE MAC                 COMMON           313400301     1412    30000 SH       SOLE             001    30000        0       0
D  FTD.COM, INC.               COMMON           30265F103      105    20000 SH       SOLE             001    20000        0       0
D  GALLAHER GROUP PLC          COMMON           363595109       49     3200 SH       OTHER            001     3200        0       0
D  GANNETT CO INC              COMMON           364730101       75      925 SH       DEFINED          001      925        0       0
D  GANNETT CO INC              COMMON           364730101      343     4200 SH       OTHER            001     4200        0       0
D  GANNETT CO INC              COMMON           364730101       98     1200 SH       OTHER            002        0        0    1200
D  GANNETT CO INC              COMMON           364730101      131     1600 SH       DEFINED          002        0     1600       0
D  GARTNER GROUP INC NEW CL A  COMMON           366651107       46     3000 SH       DEFINED          001     3000        0       0
D  GENERAL AMERICAN INVESTORS  COMMON           368802104      233     6276 SH       OTHER            002        0        0    6276
D  GENERAL ELECTRIC CO         COMMON           369604103    13268    85741 SH       DEFINED          001    85616        0     125
D  GENERAL ELECTRIC CO         COMMON           369604103     8796    56837 SH       OTHER            001    56837        0       0
D  GENERAL ELECTRIC CO         COMMON           369604103     6654    43000 SH       SOLE             001    43000        0       0
D  GENERAL ELECTRIC CO         COMMON           369604103     8604    55601 SH       OTHER            002        0        0   55601
D  GENERAL ELECTRIC CO         COMMON           369604103    14778    95498 SH       DEFINED          002        0    95498       0
D  GENERAL MOTORS CORP         COMMON           370442105      625     8596 SH       DEFINED          001     8596        0       0
D  GENERAL MOTORS CORP         COMMON           370442105      179     2459 SH       OTHER            001     2459        0       0
D  GENERAL MOTORS CORP         COMMON           370442105      381     5242 SH       OTHER            002        0        0    5242
D  GENERAL MOTORS CORP         COMMON           370442105      204     2812 SH       DEFINED          002        0     2812       0
D  GENERAL MTRS CORP CL H NEW  COMMON           370442832        2       16 SH       OTHER            001       16        0       0
D  GENRAD INC                  COMMON           372447102       65     4000 SH       OTHER            001     4000        0       0
D  GENUINE PARTS CO            COMMON           372460105       28     1125 SH       OTHER            001     1125        0       0
D  GEORGIA PAC CORP            COMMON           373298108       33      658 SH       DEFINED          001      658        0       0
D  GEORGIA PAC CORP            COMMON           373298108       44      872 SH       OTHER            001      872        0       0
D  GERBER SCIENTIFIC INC       COMMON           373730100        9      400 SH       OTHER            001      400        0       0
D  GILLETTE CO                 COMMON           375766102     1298    31515 SH       DEFINED          001    31515        0       0
D  GILLETTE CO                 COMMON           375766102      698    16945 SH       OTHER            001    16945        0       0
D  GILLETTE CO                 COMMON           375766102      741    18000 SH       OTHER            002        0        0   18000
D  GILLETTE CO                 COMMON           375766102     1013    24600 SH       DEFINED          002        0    24600       0
D  GLAXO WELLCOME PLC SPONSORE COMMON           37733W105       14      250 SH       DEFINED          001      250        0       0
D  GLAXO WELLCOME PLC SPONSORE COMMON           37733W105       56     1000 SH       OTHER            001     1000        0       0
D  GLAXO WELLCOME PLC-SPONS AD COMMON           37733W105     1109    19855 SH       OTHER            002        0        0   19855
D  GLAXO WELLCOME PLC-SPONS AD COMMON           37733W105     1077    19280 SH       DEFINED          002        0    19280       0
D  GLOBAL CROSSING LTD         COMMON           G3921A100      475     9493 SH       DEFINED          001     9493        0       0
D  GLOBAL CROSSING LTD         COMMON           G3921A100      132     2640 SH       OTHER            001     2640        0       0
D  GLOBAL STAR TELECOM         COMMON           G3930H104     1540    35000 SH       SOLE             001    35000        0       0
D  GOLDEN WEST FINANCIAL CORP  COMMON           381317106      302     9000 SH       OTHER            002        0        0    9000
D  GOODYEAR TIRE & RUBR CO     COMMON           382550101       10      354 SH       DEFINED          001      354        0       0
D  GPU INC                     COMMON           36225X100       36     1205 SH       OTHER            001     1205        0       0
D  GREAT LAKES CHEM CORP       COMMON           390568103       80     2100 SH       OTHER            001     2100        0       0
D  GTE CORP                    COMMON           362320103      722    10235 SH       DEFINED          001    10235        0       0
D  GTE CORP                    COMMON           362320103      276     3906 SH       OTHER            001     3906        0       0
D  GTE CORP                    COMMON           362320103     2470    35000 SH       SOLE             001    35000        0       0
D  GTE CORP                    COMMON           362320103     2028    28738 SH       OTHER            002        0        0   28738
D  GTE CORP                    COMMON           362320103     2139    30311 SH       DEFINED          002        0    30311       0
D  GULFMARK OFFSHORE INC       COMMON           402629109       16     1092 SH       OTHER            001     1092        0       0
D  HAEMONETICS CORP            COMMON           405024100     1645    69100 SH       SOLE             001    69100        0       0
D  HALLIBURTON CO              COMMON           406216101       93     2300 SH       DEFINED          001     2000        0     300
D  HALLIBURTON CO              COMMON           406216101      101     2510 SH       OTHER            001     2510        0       0
D  HALLIBURTON CO              COMMON           406216101      600    14900 SH       OTHER            002        0        0   14900
D  HALLIBURTON CO              COMMON           406216101     1251    31070 SH       DEFINED          002        0    31070       0
D  HANCOCK JOHN BK & THRIFT OP OTHER            409735107       18     2088 SH       DEFINED          001     N.A.     N.A.    N.A.
D  HANOVER COMPRESSOR CO       COMMON           410768105      189     5000 SH       OTHER            001     5000        0       0
D  HARLEY DAVIDSON INC         COMMON           412822108       26      400 SH       DEFINED          001      400        0       0
D  HARRAHS ENTMT INC           COMMON           413619107        2       60 SH       DEFINED          001       60        0       0
D  HARRIS CORP.                COMMON           413875105     1067    40000 SH       SOLE             001    40000        0       0
D  HARTFORD FINANCL SVCS GRP I COMMON           416515104        9      200 SH       OTHER            001      200        0       0
D  HARTFORD FINANCL SVCS GRP I COMMON           416515104      123     2592 SH       OTHER            002        0        0    2592
D  HARTFORD FINANCL SVCS GRP I COMMON           416515104      142     3000 SH       DEFINED          002        0     3000       0
D  HARTFORD INS                COMMON           893939108        1       19 SH       SOLE                       19        0       0
D  HEINZ (H.J.) CO             COMMON           423074103      206     5175 SH       DEFINED          001     5175        0       0
D  HEINZ (H.J.) CO             COMMON           423074103       24      600 SH       OTHER            001      600        0       0
D  HEINZ (H.J.) CO             COMMON           423074103      489    12275 SH       OTHER            002        0        0   12275
D  HEINZ (H.J.) CO             COMMON           423074103      278     6975 SH       DEFINED          002        0     6975       0
D  HERSHEY FOODS CORP          COMMON           427866108       47     1000 SH       DEFINED          001     1000        0       0
D  HEWLETT PACKARD CO          COMMON           428236103     7804    68610 SH       DEFINED          001    68435        0     175
D  HEWLETT PACKARD CO          COMMON           428236103     2157    18960 SH       OTHER            001    18660        0     300
D  HEWLETT PACKARD CO          COMMON           428236103     1439    12650 SH       OTHER            002        0        0   12650
D  HEWLETT PACKARD CO          COMMON           428236103     4764    41882 SH       DEFINED          002        0    41882       0
D  HIBERNIA CORP.              COMMON           428656102      797    75000 SH       SOLE             001    75000        0       0
D  HIGH INCOME OPPORTUNITY FD  OTHER            42967Q105       28     3300 SH       DEFINED          001     N.A.     N.A.    N.A.
D  HILLENBRAND INDS INC        COMMON           431573104        2       50 SH       DEFINED          001       50        0       0
D  HILLENBRAND INDS INC        COMMON           431573104       24      750 SH       OTHER            001      750        0       0
D  HILTON HOTELS CORP          COMMON           432848109       10     1032 SH       DEFINED          001     1032        0       0
D  HILTON HOTELS CORP          COMMON           432848109       10     1000 SH       OTHER            001     1000        0       0
D  HOME DEPOT INC              COMMON           437076102     4990    72589 SH       DEFINED          001    72589        0       0
D  HOME DEPOT INC              COMMON           437076102     2323    33787 SH       OTHER            001    33787        0       0
D  HOME DEPOT INC              COMMON           437076102     1805    26250 SH       SOLE             001    26250        0       0
D  HOME DEPOT INC              COMMON           437076102     1741    25331 SH       OTHER            002        0        0   25331
D  HOME DEPOT INC              COMMON           437076102     5012    72898 SH       DEFINED          002        0    72898       0
D  HONEYWELL INTERNATIONAL INC COMMON           438516106      218     3780 SH       DEFINED          001     3780        0       0
D  HONEYWELL INTERNATIONAL INC COMMON           438516106      414     7179 SH       OTHER            001     7179        0       0
D  HONEYWELL INTERNATIONAL INC COMMON           438516106      178     3090 SH       OTHER            002        0        0    3090
D  HONEYWELL INTERNATIONAL INC COMMON           438516106      629    10900 SH       DEFINED          002        0    10900       0
D  HORMEL FOODS CORP           COMMON           440452100       41     1000 SH       DEFINED          001     1000        0       0
D  HOSPITALITY PROPERTIES TRUS COMMON           44106M102        8      437 SH       DEFINED          001      437        0       0
D  HOSPITALITY PROPERTIES TRUS COMMON           44106M102      349    18300 SH       OTHER            002        0        0   18300
D  HOSPITALITY PROPERTIES TRUS COMMON           44106M102      834    43733 SH       DEFINED          002        0    43733       0
D  HOUSEHOLD INTL INC          COMMON           441815107       21      570 SH       DEFINED          001      570        0       0
D  HOUSEHOLD INTL INC          COMMON           441815107       19      500 SH       OTHER            001      500        0       0
D  HSB GROUP INC               COMMON           40428N109      830    24545 SH       OTHER            002        0        0   24545
D  HSB GROUP INC               COMMON           40428N109     1434    42402 SH       DEFINED          002        0    42402       0
D  HUBBELL INC CLASS A         COMMON           443510102       28     1000 SH       DEFINED          001     1000        0       0
D  HUBBELL INC CLASS A         COMMON           443510102      450    16000 SH       OTHER            001    16000        0       0
D  HUBBELL INC CLASS B         COMMON           443510201      494    18127 SH       DEFINED          001    18127        0       0
D  HUBBELL INC CLASS B         COMMON           443510201      305    11189 SH       OTHER            001    11114        0      75
D  HUBBELL INC CLASS B         COMMON           443510201       26      968 SH       OTHER            002        0        0     968
D  HUBBELL INC CLASS B         COMMON           443510201      184     6748 SH       DEFINED          002        0     6748       0
D  HUDSON UNITED BANCORP       COMMON           444165104      147     5765 SH       DEFINED          001     5765        0       0
D  HUDSON UNITED BANCORP       COMMON           444165104        3      100 SH       SOLE             001      100        0       0
D  HUDSON UNITED BANCORP       COMMON           444165104      264    10322 SH       DEFINED          002        0    10322       0
D  HUNTINGTON BANCSHARES INC   COMMON           446150104       39     1639 SH       DEFINED          001     1639        0       0
D  I2 TECHNOLOGIES INC         COMMON           465754109      224     1150 SH       DEFINED          001     1150        0       0
D  IDACORP INC                 COMMON           451107106       13      500 SH       OTHER            001      500        0       0
D  ILLINOIS TOOL WKS INC       COMMON           452308109       12      174 SH       OTHER            001      174        0       0
D  ILLINOIS TOOL WORKS INC     COMMON           452308109      212     3142 SH       OTHER            002        0        0    3142
D  ILLINOIS TOOL WORKS INC     COMMON           452308109       16      242 SH       DEFINED          002        0      242       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      306     2800 SH       OTHER            002        0        0    2800
D  IMMUNEX CORP                COMMON           452528102     2132    19500 SH       DEFINED          002        0    19500       0
D  IMS HEALTH INC              COMMON           449934108      250     9200 SH       OTHER            001     9200        0       0
D  IMS HEALTH INC              COMMON           449934108      826    30380 SH       OTHER            002        0        0   30380
D  IMS HEALTH INC              COMMON           449934108      817    30050 SH       DEFINED          002        0    30050       0
D  INGERSOLL-RAND CO           COMMON           456866102      106     1920 SH       OTHER            002        0        0    1920
D  INGERSOLL-RAND CO           COMMON           456866102     1042    18932 SH       DEFINED          002        0    18932       0
D  INSIGHT COMMUNICATIONS, INC COMMON           45768V108      592    20000 SH       SOLE             001    20000        0       0
D  INTEL CORP                  COMMON           458140100     9839   119536 SH       DEFINED          001   119386        0     150
D  INTEL CORP                  COMMON           458140100     4194    50950 SH       OTHER            001    50800        0     150
D  INTEL CORP                  COMMON           458140100     3704    45000 SH       SOLE             001    45000        0       0
D  INTEL CORP                  COMMON           458140100     1209    14690 SH       OTHER            002        0        0   14690
D  INTEL CORP                  COMMON           458140100     1801    21886 SH       DEFINED          002        0    21886       0
D  INTERNATIONAL FLAVORS & FRA COMMON           459506101      307     8150 SH       DEFINED          001     8150        0       0
D  INTERNATIONAL FLAVORS & FRA COMMON           459506101      177     4700 SH       OTHER            001     4700        0       0
D  INTERNATIONAL PAPER CO      COMMON           460146103       34      594 SH       DEFINED          001      594        0       0
D  INTERNAT'L BUSN'S MACH CORP COMMON           459200101     2319    21500 SH       SOLE             001    21500        0       0
D  INTERNAT'L BUSN'S MACH CORP COMMON           459200101     4823    44708 SH       DEFINED          001    44708        0       0
D  INTERNAT'L BUSN'S MACH CORP COMMON           459200101     3234    29983 SH       OTHER            001    29983        0       0
D  INTERNAT'L BUSN'S MACH CORP COMMON           459200101     6885    63827 SH       OTHER            002        0        0   63827
D  INTERNAT'L BUSN'S MACH CORP COMMON           459200101     3319    30771 SH       DEFINED          002        0    30771       0
D  INTERPUBLIC GROUP CO        COMMON           460690100     1558    27000 SH       OTHER            002        0        0   27000
D  INTUIT                      COMMON           461202103       20      330 SH       OTHER            001      330        0       0
D  INVESCO GLOBAL HEALTH SCI F COMMON           46128N109       60     4064 SH       OTHER            002        0        0    4064
D  INVESCO GLOBAL HEALTH SCI F COMMON           46128N109      165    11163 SH       DEFINED          002        0    11163       0
D  JOHN HANCOCK BK&THRFT OPTY  COMMON           409735107      294    34800 SH       OTHER            002        0        0   34800
D  JOHN HANCOCK BK&THRFT OPTY  COMMON           409735107      462    54715 SH       DEFINED          002        0    54715       0
D  JOHNSON & JOHNSON INC       COMMON           478160104     5532    59328 SH       DEFINED          001    59153        0     175
D  JOHNSON & JOHNSON INC       COMMON           478160104     2377    25488 SH       OTHER            001    25488        0       0
D  JOHNSON & JOHNSON INC       COMMON           478160104     1399    15000 SH       SOLE             001    15000        0       0
D  JOHNSON & JOHNSON INC       COMMON           478160104     3204    34355 SH       OTHER            002        0        0   34355
D  JOHNSON & JOHNSON INC       COMMON           478160104     3196    34272 SH       DEFINED          002        0    34272       0
D  JOHNSON CTLS INC            COMMON           478366107      143     2520 SH       OTHER            001     2520        0       0
D  JONES APPAREL GROUP INC     COMMON           480074103       22      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       26     2001 SH       DEFINED          001     2001        0       0
D  KELLOGG CO                  COMMON           487836108       31     1000 SH       OTHER            001     1000        0       0
D  KERR MCGEE CORP             COMMON           492386107        5       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       0
D  KEYCORP NEW                 COMMON           493267108        5      240 SH       SOLE                      240        0       0
D  KIMBERLY CLARK CORP         COMMON           494368103     4374    66848 SH       DEFINED          001    66648        0     200
D  KIMBERLY CLARK CORP         COMMON           494368103     1273    19448 SH       OTHER            001    19448        0       0
D  KIMBERLY-CLARK CORP         COMMON           494368103       79     1200 SH       OTHER            002        0        0    1200
D  KIMBERLY-CLARK CORP         COMMON           494368103     1387    21200 SH       DEFINED          002        0    21200       0
D  KIMCO RLTY CORP             COMMON           49446R109       68     2000 SH       DEFINED          001     2000        0       0
D  KINDER MORGAN ENERGY PARTNE COMMON           494550106       13      303 SH       OTHER            001      303        0       0
D  KMART                       COMMON           482584109      755    75000 SH       SOLE             001    75000        0       0
D  KNIGHT RIDDER               COMMON           499040103       36      600 SH       OTHER            001      600        0       0
D  KONINKLIJKE PHILIPS ELECTRO COMMON           500472204     2430    18000 SH       SOLE             001    18000        0       0
D  KOPIN CORP                  COMMON           500600101      252     6000 SH       OTHER            002        0        0    6000
D  KOPIN CORP                  COMMON           500600101      252     6000 SH       DEFINED          002        0     6000       0
D  KRANZCO RLTY TR             COMMON           50076E103       17     1900 SH       DEFINED          001     1900        0       0
D  KRONOS INC                  COMMON           501052104       60     1000 SH       OTHER            001     1000        0       0
D  LEHMAN BROS HLDGS INC       COMMON           524908100       51      600 SH       DEFINED          001      600        0       0
D  LG & E ENERGY CORP          COMMON           501917108       17     1000 SH       DEFINED          001     1000        0       0
D  LILLY (ELI)  & CO           COMMON           532457108      998    15000 SH       SOLE             001    15000        0       0
D  LILLY (ELI) & CO            COMMON           532457108      328     4936 SH       DEFINED          001     4936        0       0
D  LILLY (ELI) & CO            COMMON           532457108     1190    17902 SH       OTHER            001    17902        0       0
D  LILLY (ELI) & CO            COMMON           532457108       86     1286 SH       OTHER            002        0        0    1286
D  LILLY (ELI) & CO            COMMON           532457108     1635    24580 SH       DEFINED          002        0    24580       0
D  LIMITED INC                 COMMON           532716107      650    15000 SH       SOLE             001    15000        0       0
D  LOCKHEED MARTIN CORP        COMMON           539830109       13      600 SH       DEFINED          001      600        0       0
D  LOEWS CORP                  COMMON           540424108       21      342 SH       DEFINED          001      342        0       0
D  LOEWS CORP                  COMMON           540424108      206     3400 SH       OTHER            002        0        0    3400
D  LOEWS CORP                  COMMON           540424108      215     3550 SH       DEFINED          002        0     3550       0
D  LONGVIEW FIBRE CO           COMMON           543213102      691    48500 SH       SOLE             001    48500        0       0
D  LORAL SPACE & COMMUNICATION COMMON           G56462107      146     6000 SH       OTHER            001     6000        0       0
D  LOUISIANA PAC CORP          COMMON           546347105       28     2000 SH       DEFINED          001     2000        0       0
D  LOWES COS INC               COMMON           548661107      647    10825 SH       DEFINED          001    10825        0       0
D  LOWES COS INC               COMMON           548661107      185     3100 SH       OTHER            001     3100        0       0
D  LUBRIZOL CORP               COMMON           549271104       62     2000 SH       OTHER            001     2000        0       0
D  LUCENT TECHNOLOGIES INC     COMMON           549463107     3225    43000 SH       SOLE             001    43000        0       0
D  LUCENT TECHNOLOGIES INC     COMMON           549463107     5705    76066 SH       DEFINED          001    74506        0    1560
D  LUCENT TECHNOLOGIES INC     COMMON           549463107     2379    31715 SH       OTHER            001    31269        0     446
D  LUCENT TECHNOLOGIES INC     COMMON           549463107     1328    17704 SH       OTHER            002        0        0   17704
D  LUCENT TECHNOLOGIES INC     COMMON           549463107     2798    37306 SH       DEFINED          002        0    37306       0
D  MACDERMID INC               COMMON           554273102     1269    30900 SH       OTHER            002        0        0   30900
D  MACDERMID INC               COMMON           554273102       74     1800 SH       DEFINED          002        0     1800       0
D  MACK CALI RLTY CORP         COMMON           554489104       91     3500 SH       DEFINED          001     3500        0       0
D  MACK CALI RLTY CORP         COMMON           554489104       91     3500 SH       OTHER            001     3500        0       0
D  MANDALAY RESORT GROUP       COMMON           562567107      503    25000 SH       SOLE             001    25000        0       0
D  MASCO CORP                  COMMON           574599106      107     4200 SH       DEFINED          001     4200        0       0
D  MASCO CORP                  COMMON           574599106       10      400 SH       OTHER            001      200        0     200
D  MATTEL INC                  COMMON           577081102      105     7986 SH       OTHER            001     7986        0       0
D  MAY DEPT STORES CO          COMMON           577778103      214     6633 SH       DEFINED          001     6633        0       0
D  MAYTAG CORP                 COMMON           578592107       46      950 SH       OTHER            001      950        0       0
D  MAYTAG CORP                 COMMON           578592107      261     5436 SH       DEFINED          002        0     5436       0
D  MBIA INC                    COMMON           55262C100      317     6000 SH       DEFINED          001     6000        0       0
D  MBIA INC                    COMMON           55262C100      576    10900 SH       OTHER            002        0        0   10900
D  MBIA INC                    COMMON           55262C100     2170    41095 SH       DEFINED          002        0    41095       0
D  MCCORMICK & CO INC COM NON  COMMON           579780206      136     4579 SH       OTHER            001     4579        0       0
D  MCDONALDS CORP              COMMON           580135101     2968    73625 SH       DEFINED          001    73625        0       0
D  MCDONALDS CORP              COMMON           580135101     1393    34550 SH       OTHER            001    34550        0       0
D  MCDONALDS CORP              COMMON           580135101     2048    50800 SH       OTHER            002        0        0   50800
D  MCDONALDS CORP              COMMON           580135101     1358    33677 SH       DEFINED          002        0    33677       0
D  MCGRAW-HILL COS INC         COMMON           580645109       49      800 SH       OTHER            001      800        0       0
D  MCGRAW-HILL COS INC         COMMON           580645109      419     6800 SH       OTHER            002        0        0    6800
D  MCI WORLDCOM INC            COMMON           55268B106     3980    75000 SH       SOLE             001    75000        0       0
D  MCI WORLDCOM INC            COMMON           55268B106     1683    31709 SH       DEFINED          001    31709        0       0
D  MCI WORLDCOM INC            COMMON           55268B106      410     7732 SH       OTHER            001     7732        0       0
D  MCI WORLDCOM INC            COMMON           55268B106     2446    46090 SH       OTHER            002        0        0   46090
D  MCI WORLDCOM INC            COMMON           55268B106     3860    72735 SH       DEFINED          002        0    72735       0
D  MCMORAN EXPLORATION CO      COMMON           582411104        4      181 SH       DEFINED          001      181        0       0
D  MCN ENERGY GROUP INC        COMMON           55267J100        6      260 SH       OTHER            001      260        0       0
D  MCN ENERGY GROUP INC        COMMON           55267J100      312    13120 SH       OTHER            002        0        0   13120
D  MCN ENERGY GROUP INC        COMMON           55267J100      673    28330 SH       DEFINED          002        0    28330       0
D  MECH FINL INC               COMMON           583492103       17      500 SH       OTHER            001      500        0       0
D  MEDIAONE GROUP INC          COMMON           58440J104       62      804 SH       DEFINED          001      404        0     400
D  MEDIAONE GROUP INC          COMMON           58440J104      296     3858 SH       OTHER            001     3858        0       0
D  MEDIAONE GROUP INC          COMMON           58440J104      437     5694 SH       OTHER            002        0        0    5694
D  MEDIAONE GROUP INC          COMMON           58440J104      941    12245 SH       DEFINED          002        0    12245       0
D  MEDIMMUNE INC               COMMON           584699102        8       50 SH       DEFINED          001       50        0       0
D  MEDTRONIC INC               COMMON           585055106      142     3904 SH       DEFINED          001     3904        0       0
D  MEDTRONIC INC               COMMON           585055106      146     4000 SH       OTHER            001     4000        0       0
D  MEDTRONIC INC               COMMON           585055106      484    13280 SH       OTHER            002        0        0   13280
D  MEDTRONIC INC               COMMON           585055106     1273    34927 SH       DEFINED          002        0    34927       0
D  MELLON FINANCIAL CORP       COMMON           58551A108       20      600 SH       SOLE                      600        0       0
D  MELLON FINANCIAL CORP       COMMON           58551A108       34     1000 SH       DEFINED          001     1000        0       0
D  MELLON FINANCIAL CORP       COMMON           58551A108     1519    44600 SH       OTHER            001    44600        0       0
D  MELLON FINANCIAL CORP       COMMON           58551A108       20      600 SH       SOLE             001      600        0       0
D  MELLON FINANCIAL CORP       COMMON           58551A108      136     4000 SH       OTHER            002        0        0    4000
D  MELLON FINANCIAL CORP       COMMON           58551A108      141     4136 SH       DEFINED          002        0     4136       0
D  MERCK & COMPANY INC         COMMON           589331107     4328    64420 SH       DEFINED          001    64420        0       0
D  MERCK & COMPANY INC         COMMON           589331107     4177    62175 SH       OTHER            001    62175        0       0
D  MERCK & COMPANY INC         COMMON           589331107     3023    45000 SH       SOLE             001    45000        0       0
D  MERCK & COMPANY INC         COMMON           589331107     1821    27110 SH       OTHER            002        0        0   27110
D  MERCK & COMPANY INC         COMMON           589331107     2533    37705 SH       DEFINED          002        0    37705       0
D  MERCURY COMPUTER SYS INC    COMMON           589378108      280     8000 SH       OTHER            001     8000        0       0
D  MESTEK INC                  COMMON           590829107       27     1310 SH       OTHER            001     1310        0       0
D  METRICOM INC                COMMON           591596101       49      625 SH       DEFINED          001      625        0       0
D  METROMEDIA FIBER NETWORK IN COMMON           591689104       14      300 SH       OTHER            001      300        0       0
D  MFS MULTIMARKET INCOME TR   OTHER            552737108       83    15000 SH       DEFINED          001     N.A.     N.A.    N.A.
D  MICROSOFT CORP              COMMON           594918104     6947    59500 SH       SOLE             001    59500        0       0
D  MICROSOFT CORP              COMMON           594918104     7446    63780 SH       DEFINED          001    63780        0       0
D  MICROSOFT CORP              COMMON           594918104     1989    17035 SH       OTHER            001    17035        0       0
D  MICROSOFT CORP              COMMON           594918104      473     4050 SH       OTHER            002        0        0    4050
D  MICROSOFT CORP              COMMON           594918104     1511    12940 SH       DEFINED          002        0    12940       0
D  MICROVISION INC WASH        COMMON           594960106      212     7000 SH       OTHER            001     7000        0       0
D  MILLIPORE CORP              COMMON           601073109      340     8800 SH       OTHER            002        0        0    8800
D  MILLIPORE CORP              COMMON           601073109       62     1600 SH       DEFINED          002        0     1600       0
D  MINNESOTA MINING & MFG CO   COMMON           604059105     2129    21755 SH       DEFINED          001    21755        0       0
D  MINNESOTA MINING & MFG CO   COMMON           604059105     2086    21312 SH       OTHER            001    21312        0       0
D  MINNESOTA MINING & MFG CO   COMMON           604059105      279     2850 SH       OTHER            002        0        0    2850
D  MINNESOTA MINING & MFG CO   COMMON           604059105      660     6740 SH       DEFINED          002        0     6740       0
D  MONSANTO CO                 COMMON           611662107      886    25000 SH       SOLE             001    25000        0       0
D  MONSANTO CO                 COMMON           611662107      269     7584 SH       DEFINED          001     7584        0       0
D  MONSANTO CO                 COMMON           611662107      142     4000 SH       OTHER            001     4000        0       0
D  MONSANTO CO                 COMMON           611662107     1065    30055 SH       OTHER            002        0        0   30055
D  MONSANTO CO                 COMMON           611662107     1415    39942 SH       DEFINED          002        0    39942       0
D  MORGAN GRENFELL SMALLCAP FD COMMON           617357108      160    11305 SH       OTHER            002        0        0   11305
D  MORGAN J P & CO INC         COMMON           616880100     1266    10000 SH       DEFINED          001    10000        0       0
D  MORGAN J P & CO INC         COMMON           616880100      836     6600 SH       OTHER            001     6500        0     100
D  MORGAN J P & CO INC         COMMON           616880100     1570    12397 SH       OTHER            002        0        0   12397
D  MORGAN J P & CO INC         COMMON           616880100     2991    23618 SH       DEFINED          002        0    23618       0
D  MORGAN STAN DEAN WITT DISCO COMMON           617446448       16      115 SH       DEFINED          001      115        0       0
D  MORGAN STAN DEAN WITT DISCO COMMON           617446448       11       78 SH       OTHER            001       78        0       0
D  MORGAN STAN DEAN WITT DISCO COMMON           617446448      228     1600 SH       DEFINED          002        0     1600       0
D  MORGAN STANLEY DEAN WITTER  OTHER            61745P874        5      375 SH       OTHER            001     N.A.     N.A.    N.A.
D  MORGAN STANLEY DEAN WITTER  OTHER            61745P817        6      488 SH       OTHER            001     N.A.     N.A.    N.A.
D  MORGAN STANLEY DEAN WITTER  OTHER            61744M104       19     1700 SH       OTHER            001     N.A.     N.A.    N.A.
D  MOTOROLA INC                COMMON           620076109      250     1700 SH       DEFINED          001     1700        0       0
D  MOTOROLA INC                COMMON           620076109       52      350 SH       OTHER            001      350        0       0
D  MOTOROLA INC                COMMON           620076109     1399     9500 SH       OTHER            002        0        0    9500
D  MOTOROLA INC                COMMON           620076109     2327    15800 SH       DEFINED          002        0    15800       0
D  MUNIENHANCED FD INC         OTHER            626243109       52     5760 SH       OTHER            001     N.A.     N.A.    N.A.
D  MUNIHOLDINGS FD II INC      OTHER            625935101        4      350 SH       DEFINED          001     N.A.     N.A.    N.A.
D  MUNIVEST FD INC             OTHER            626295109       18     2250 SH       OTHER            001     N.A.     N.A.    N.A.
D  MUNIYIELD N J INSD FD INC   OTHER            625921101       41     3375 SH       OTHER            001     N.A.     N.A.    N.A.
D  MUSICLAND STORES            COMMON           62758B109      759    90000 SH       SOLE             001    90000        0       0
D  NABISCO GROUP HLDG CORP     COMMON           62952P102       17     1600 SH       DEFINED          001     1600        0       0
D  NABISCO GROUP HOLDINGS      COMMON           62952P102      372    35000 SH       SOLE             001    35000        0       0
D  NASDAQ-100 SHARES           COMMON           631100104     5464    29900 SH       SOLE             001    29900        0       0
D  NATIONAL COMPUTER SYS INC   COMMON           635519101       13      350 SH       OTHER            001      350        0       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      330     3600 SH       OTHER            002        0        0    3600
D  NESTLE S.A. ADR             COMMON           641069406      560     6100 SH       DEFINED          002        0     6100       0
D  NETOPTIX CORP               COMMON           64116F103       40      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 ENGLAND ELEC SYS        COMMON           644001109       32      616 SH       DEFINED          001      616        0       0
D  NEW ENGLAND ELEC SYS        COMMON           644001109       45      872 SH       OTHER            001      872        0       0
D  NEW PLAN EXCEL RLTY TR INC  PREFERRED STOCK  648053205       66     3100 SH       DEFINED          001     N.A.     N.A.    N.A.
D  NEW YORK TIMES CO           COMMON           650111107     2286    46534 SH       DEFINED          001    46534        0       0
D  NEW YORK TIMES CO           COMMON           650111107      477     9700 SH       OTHER            001     9700        0       0
D  NEW YORK TIMES CO           COMMON           650111107       79     1600 SH       OTHER            002        0        0    1600
D  NEW YORK TIMES CO           COMMON           650111107      128     2600 SH       DEFINED          002        0     2600       0
D  NEWELL RUBBERMAID INC       COMMON           651229106      155     5359 SH       OTHER            001     5359        0       0
D  NEXTEL COMMUNICATIONS INC C COMMON           65332V103      454     4400 SH       DEFINED          001     4400        0       0
D  NIAGARA MOHAWK HLDGS INC    COMMON           653520106        6      400 SH       OTHER            001      400        0       0
D  NISOURCE INC                COMMON           65473P105        5      288 SH       OTHER            002        0        0     288
D  NISOURCE INC                COMMON           65473P105      187    10473 SH       DEFINED          002        0    10473       0
D  NORDSTROM INC               COMMON           655664100      781    29700 SH       DEFINED          001    29700        0       0
D  NORDSTROM INC               COMMON           655664100       86     3250 SH       OTHER            001     3250        0       0
D  NORFOLK & SOUTHERN CORP     COMMON           655844108       18      900 SH       DEFINED          001      900        0       0
D  NORFOLK & SOUTHERN CORP     COMMON           655844108       68     3300 SH       OTHER            001     3200        0     100
D  NORFOLK & SOUTHERN CORP     COMMON           655844108      508    24771 SH       OTHER            002        0        0   24771
D  NORFOLK & SOUTHERN CORP     COMMON           655844108      311    15174 SH       DEFINED          002        0    15174       0
D  NORTEL NETWORKS CORP        COMMON           656569100      152     1500 SH       OTHER            001     1500        0       0
D  NORTEL NETWORKS CORP        COMMON           656569100       26      255 SH       OTHER            002        0        0     255
D  NORTEL NETWORKS CORP        COMMON           656569100      587     5811 SH       DEFINED          002        0     5811       0
D  NORTHERN STS PWR CO MINN    COMMON           665772109       19      950 SH       DEFINED          001      950        0       0
D  NORTHERN STS PWR CO MINN    COMMON           665772109       10      500 SH       OTHER            001      500        0       0
D  NOVELL INC                  COMMON           670006105     3436    86025 SH       DEFINED          001    85425        0     600
D  NOVELL INC                  COMMON           670006105      140     3500 SH       OTHER            001     3500        0       0
D  NSTAR                       COMMON           67019E107       24      600 SH       DEFINED          001      600        0       0
D  NSTAR                       COMMON           67019E107       27      677 SH       OTHER            001      677        0       0
D  NTL INC                     COMMON           629407107      125     1000 SH       OTHER            001     1000        0       0
D  NUVEEN INSD PREM INCOME MUN OTHER            6706D8104       38     3750 SH       OTHER            001     N.A.     N.A.    N.A.
D  NUVEEN MUN MKT OPPORTUNITY  OTHER            67062W103      153    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 PERF PLUS MUN FD INC OTHER            67062P108      145    12500 SH       OTHER            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  NUVEEN PREM INCOME MUN FD I OTHER            67062T100       17     1425 SH       OTHER            001     N.A.     N.A.    N.A.
D  OCCIDENTAL PETE CORP        COMMON           674599105       33     1533 SH       DEFINED          001      111        0    1422
D  OCCIDENTAL PETE CORP        COMMON           674599105       25     1172 SH       OTHER            001     1172        0       0
D  OCEAN ENERGY INC TEX        COMMON           06748E107       12     1500 SH       DEFINED          001     1500        0       0
D  OCEAN ENERGY INC TEX        COMMON           06748E107       19     2500 SH       OTHER            001     2500        0       0
D  OCTEL CORP                  COMMON           675727101        5      525 SH       OTHER            001      525        0       0
D  OMNICOM GROUP               COMMON           681919106       50      500 SH       DEFINED          001      500        0       0
D  ONE LIBERTY PPTYS $1.60 CON PREFERRED STOCK  682406202        8      500 SH       OTHER            001     N.A.     N.A.    N.A.
D  ONYX PHARMACEUTICALS INC DE COMMON           683399109       10     1000 SH       OTHER            001     1000        0       0
D  ORACLE CORPORATION          COMMON           68389X105     3462    30891 SH       DEFINED          001    30891        0       0
D  ORACLE CORPORATION          COMMON           68389X105      975     8700 SH       OTHER            001     8700        0       0
D  ORACLE CORPORATION          COMMON           68389X105     1681    15000 SH       SOLE             001    15000        0       0
D  ORACLE CORPORATION          COMMON           68389X105     1530    13650 SH       OTHER            002        0        0   13650
D  ORACLE CORPORATION          COMMON           68389X105     2622    23400 SH       DEFINED          002        0    23400       0
D  OUTBACK STEAKHOUSE INC      COMMON           689899102       26     1000 SH       DEFINED          001     1000        0       0
D  P P & L RESOURCES INC COM   COMMON           693499105      249    10900 SH       DEFINED          001    10900        0       0
D  P P & L RESOURCES INC COM   COMMON           693499105      159     6950 SH       OTHER            001     6650        0     300
D  PACTIV CORP                 COMMON           695257105        7      675 SH       DEFINED          001      675        0       0
D  PAINE WEBBER GROUP INC      COMMON           695629105      272     7000 SH       OTHER            001     7000        0       0
D  PALL CORP                   COMMON           696429307       39     1800 SH       DEFINED          001     1800        0       0
D  PAXSON COMMUNICATIONS CORP. COMMON           704231109      358    30000 SH       SOLE             001    30000        0       0
D  P-COM                       CONVERT DEBT     693262AA5      710  1000000 PRN      SOLE             001  1000000        0       0
D  PE CORP-PE BIOSYSTEMS GROUP COMMON           69332S102     3822    31765 SH       DEFINED          001    31765        0       0
D  PE CORP-PE BIOSYSTEMS GROUP COMMON           69332S102      313     2600 SH       OTHER            001     2600        0       0
D  PECO ENERGY CO COM          COMMON           693304107        3      100 SH       DEFINED          001      100        0       0
D  PENNEY J C INC              COMMON           708160106       16      800 SH       DEFINED          001      800        0       0
D  PENNEY J C INC              COMMON           708160106       16      825 SH       OTHER            001      825        0       0
D  PEOPLES BK BRIDGEPORT CONN  COMMON           710198102      507    24004 SH       DEFINED          001      750        0   23254
D  PEOPLES BK BRIDGEPORT CONN  COMMON           710198102      544    25750 SH       OTHER            001        0        0   25750
D  PEOPLES ENERGY CORP         COMMON           711030106       31      933 SH       OTHER            001      933        0       0
D  PEOPLES HERITAGE FINL GROUP COMMON           711147108      172    11398 SH       DEFINED          001    11398        0       0
D  PEOPLES HERITAGE FINL GROUP COMMON           711147108        2      100 SH       SOLE             001      100        0       0
D  PEP BOYS -MANNY, MOE & JACK COMMON           713278109      223    25000 SH       SOLE             001    25000        0       0
D  PEPSICO INC                 COMMON           713448108     2115    60000 SH       SOLE             001    60000        0       0
D  PEPSICO INC                 COMMON           713448108      569    16150 SH       DEFINED          001    16150        0       0
D  PEPSICO INC                 COMMON           713448108      827    23474 SH       OTHER            001    23324        0     150
D  PEPSICO INC                 COMMON           713448108     1563    44352 SH       OTHER            002        0        0   44352
D  PEPSICO INC                 COMMON           713448108      610    17305 SH       DEFINED          002        0    17305       0
D  PFIZER INC                  COMMON           717081103      730    22500 SH       SOLE             001    22500        0       0
D  PFIZER INC                  COMMON           717081103     2492    76836 SH       DEFINED          001    76836        0       0
D  PFIZER INC                  COMMON           717081103     1691    52143 SH       OTHER            001    52143        0       0
D  PFIZER INC                  COMMON           717081103     2549    78576 SH       OTHER            002        0        0   78576
D  PFIZER INC                  COMMON           717081103     4171   128587 SH       DEFINED          002        0   128587       0
D  PG & E CORP                 COMMON           69331C108        8      400 SH       DEFINED          001        0        0     400
D  PHARMACIA & UPJOHN INC      COMMON           716941109      252     5590 SH       DEFINED          001     5590        0       0
D  PHARMACIA & UPJOHN INC      COMMON           716941109       54     1200 SH       OTHER            001     1200        0       0
D  PHARMACIA & UPJOHN, INC.    COMMON           716941109      225     5000 SH       SOLE             001     5000        0       0
D  PHELPS DODGE CORP           COMMON           717265102       40      600 SH       DEFINED          001      600        0       0
D  PHELPS DODGE CORP           COMMON           717265102       54      800 SH       OTHER            001      800        0       0
D  PHILIP MORRIS COMPANIES INC COMMON           718154107      920    40000 SH       SOLE             001    40000        0       0
D  PHILIP MORRIS COMPANIES INC COMMON           718154107      299    13000 SH       DEFINED          001    13000        0       0
D  PHILIP MORRIS COMPANIES INC COMMON           718154107      260    11300 SH       OTHER            001    11300        0       0
D  PHILIP MORRIS COMPANIES INC COMMON           718154107      462    20093 SH       OTHER            002        0        0   20093
D  PHILIP MORRIS COMPANIES INC COMMON           718154107     1140    49568 SH       DEFINED          002        0    49568       0
D  PHILLIPS PETROLEUM CO       COMMON           718507106       50     1055 SH       DEFINED          001     1055        0       0
D  PHILLIPS PETROLEUM CO       COMMON           718507106       26      546 SH       OTHER            001      546        0       0
D  PHILLIPS PETROLEUM CO       COMMON           718507106     1175    25000 SH       SOLE             001    25000        0       0
D  PHILLIPS PETROLEUM CO       COMMON           718507106      118     2500 SH       OTHER            002        0        0    2500
D  PHILLIPS PETROLEUM CO       COMMON           718507106      226     4800 SH       DEFINED          002        0     4800       0
D  PIEDMONT NATURAL GAS INC    COMMON           720186105      220     7300 SH       DEFINED          002        0     7300       0
D  PITNEY BOWES INC            COMMON           724479100      717    14850 SH       DEFINED          001    14850        0       0
D  PITNEY BOWES INC            COMMON           724479100     1232    25500 SH       OTHER            001    25500        0       0
D  PIXAR INC.                  COMMON           725811103      354    10000 SH       SOLE             001    10000        0       0
D  PIXAR JAN 35 CALLS          CALL             725811903      -23     -100     CALL SOLE             001     -100        0       0
D  PLC SYS INC                 COMMON           69341D104        1      700 SH       DEFINED          001      700        0       0
D  PLUM CREEK TIMBER CO INC    COMMON           729251108       81     3250 SH       OTHER            002        0        0    3250
D  PLUM CREEK TIMBER CO INC    COMMON           729251108      228     9100 SH       DEFINED          002        0     9100       0
D  PNC BANK CORP               COMMON           693475105        4      100 SH       SOLE                      100        0       0
D  PNC BANK CORP               COMMON           693475105        4      100 SH       SOLE             001      100        0       0
D  PNC BANK CORP               COMMON           693475105      214     4800 SH       DEFINED          002        0     4800       0
D  PPG INDUSTRIES INC          COMMON           693506107       57      908 SH       DEFINED          001      908        0       0
D  PPG INDUSTRIES INC          COMMON           693506107       19      300 SH       OTHER            002        0        0     300
D  PPG INDUSTRIES INC          COMMON           693506107      213     3400 SH       DEFINED          002        0     3400       0
D  PROCTER & GAMBLE CO         COMMON           742718109     3013    27500 SH       SOLE             001    27500        0       0
D  PROCTER & GAMBLE CO         COMMON           742718109     3546    32361 SH       DEFINED          001    32361        0       0
D  PROCTER & GAMBLE CO         COMMON           742718109      938     8565 SH       OTHER            001     8065        0     500
D  PROCTER & GAMBLE CO         COMMON           742718109     1578    14400 SH       OTHER            002        0        0   14400
D  PROCTER & GAMBLE CO         COMMON           742718109     1384    12630 SH       DEFINED          002        0    12630       0
D  PUBLIC SVC ENTERPRISE GROUP COMMON           744573106       49     1400 SH       DEFINED          001     1400        0       0
D  PUBLIC SVC ENTERPRISE GROUP COMMON           744573106       22      625 SH       OTHER            001      625        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      394     6000 SH       OTHER            001     6000        0       0
D  QUALCOMM INC                COMMON           747525103       70      400 SH       DEFINED          001      400        0       0
D  QUALCOMM INC                COMMON           747525103     1409     8000 SH       OTHER            001     8000        0       0
D  R H DONNELLEY CORP          COMMON           74955W307        6      320 SH       OTHER            001      320        0       0
D  RALSTON-RALSTON PURINA GROU COMMON           751277302      251     9000 SH       DEFINED          002        0     9000       0
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       62     3000 SH       DEFINED          001     3000        0       0
D  RECKSON ASSOCS RLTY CORP    COMMON           75621K106       62     3000 SH       OTHER            001     3000        0       0
D  RECKSON SVC INDS INC        COMMON           75621J109       50      800 SH       DEFINED          001      800        0       0
D  RELIANCE GROUP HLDGS INC    COMMON           759464100        7     1047 SH       DEFINED          001     1047        0       0
D  RELIANT ENERGY INC          COMMON           75952J108      249    10875 SH       DEFINED          001    10875        0       0
D  RELIANT ENERGY INC          COMMON           75952J108      120     5250 SH       OTHER            001     5250        0       0
D  RELIANT ENERGY INC          COMMON           75952J108       35     1550 SH       OTHER            002        0        0    1550
D  RELIANT ENERGY INC          COMMON           75952J108      247    10800 SH       DEFINED          002        0    10800       0
D  RELIASTAR FINL CORP         COMMON           75952U103       24      600 SH       DEFINED          001      600        0       0
D  REPUBLIC NEW YORK           COMMON           760719104       14      200 SH       SOLE                      200        0       0
D  REPUBLIC NEW YORK           COMMON           760719104       14      200 SH       SOLE             001      200        0       0
D  REUTERS GROUP PLC           COMMON           76132M102       70      866 SH       OTHER            001      866        0       0
D  REYNOLDS R J TOB HLDGS INC  COMMON           76182K105        9      532 SH       DEFINED          001      532        0       0
D  RHYTHMS NETCONNECTIONS INC. COMMON           762430205      465    15000 SH       SOLE             001    15000        0       0
D  RIO TINTO PLC               COMMON           767204100       95     1000 SH       OTHER            001     1000        0       0
D  RJ REYNOLDS TOBACCO HOLDING COMMON           76182K105      206    11666 SH       SOLE             001    11666        0       0
D  ROCKWELL INTL CORP NEW COM  COMMON           773903109       19      400 SH       DEFINED          001      400        0       0
D  ROCKWELL INTL CORP NEW COM  COMMON           773903109      115     2392 SH       OTHER            001     2392        0       0
D  ROPER INDS INC NEW          COMMON           776696106      151     4000 SH       DEFINED          001     4000        0       0
D  ROYAL BANK OF SCOTLAND      PREFERRED        780097861     2050   100000 SH       SOLE             001   100000        0       0
D  ROYAL BANK OF SCOTLAND PFD  OTHER            780097853      128     5800 SH       DEFINED          001     N.A.     N.A.    N.A.
D  ROYAL BANK OF SCOTLAND PFD  OTHER            780097853       40     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       21     1000 SH       DEFINED          001     N.A.     N.A.    N.A.
D  ROYAL BK SCOTLAND PFD 8.00% OTHER            780097861       74     3600 SH       OTHER            001     N.A.     N.A.    N.A.
D  ROYAL DUTCH PETRO-NY SHARES COMMON           780257804      817    13498 SH       DEFINED          001    13498        0       0
D  ROYAL DUTCH PETRO-NY SHARES COMMON           780257804      485     8000 SH       OTHER            001     8000        0       0
D  ROYAL DUTCH PETRO-NY SHARES COMMON           780257804      304     5020 SH       OTHER            002        0        0    5020
D  ROYAL DUTCH PETRO-NY SHARES COMMON           780257804     1308    21600 SH       DEFINED          002        0    21600       0
D  ROYCE VALUE TRUST INC       COMMON           780910105      774    59222 SH       OTHER            002        0        0   59222
D  ROYCE VALUE TRUST INC       COMMON           780910105     1617   123766 SH       DEFINED          002        0   123766       0
D  RPM INC OHIO                COMMON           749685103      175    17152 SH       OTHER            002        0        0   17152
D  RYDER SYS INC               COMMON           783549108      558    22850 SH       DEFINED          001    22675        0     175
D  RYDER SYS INC               COMMON           783549108       29     1175 SH       OTHER            001     1175        0       0
D  S & P 500 DEPOSITARY RECEIP COMMON           78462F103     4773    32500 SH       SOLE             001    32500        0       0
D  SALEM COMMUNICATIONS        COMMON           794093104      679    30000 SH       SOLE             001    30000        0       0
D  SALOMON BROS FD INC         OTHER            795477108        4      209 SH       OTHER            001     N.A.     N.A.    N.A.
D  SALOMON BROS HIGH INCOME FD OTHER            79547Q106       74     6500 SH       DEFINED          001     N.A.     N.A.    N.A.
D  SANTA CRUZ OPERATION INC    COMMON           801833104       30     1000 SH       DEFINED          001     1000        0       0
D  SANTA FE INTL CORP          COMMON           G7805C108       16      600 SH       DEFINED          001      600        0       0
D  SANTA FE INTL CORP          COMMON           G7805C108       16      600 SH       OTHER            001      600        0       0
D  SANTA FE SNYDER CORP        COMMON           80218K105        4      557 SH       OTHER            001      557        0       0
D  SAP - AG                    COMMON           803054204     1302    25000 SH       SOLE             001    25000        0       0
D  SARA LEE CORP               COMMON           803111103       79     3600 SH       DEFINED          001     3600        0       0
D  SARA LEE CORP               COMMON           803111103      420    19036 SH       OTHER            001    19036        0       0
D  SARA LEE CORP               COMMON           803111103       11      500 SH       OTHER            002        0        0     500
D  SARA LEE CORP               COMMON           803111103      841    38140 SH       DEFINED          002        0    38140       0
D  SBC COMMUNICATIONS INC      COMMON           78387G103     2887    59220 SH       SOLE             001    59220        0       0
D  SBC COMMUNICATIONS INC      COMMON           78387G103     5309   108896 SH       DEFINED          001   105402        0    3494
D  SBC COMMUNICATIONS INC      COMMON           78387G103     2291    46986 SH       OTHER            001    46986        0       0
D  SBC COMMUNICATIONS INC      COMMON           78387G103     1761    36117 SH       OTHER            002        0        0   36117
D  SBC COMMUNICATIONS INC      COMMON           78387G103     3539    72595 SH       DEFINED          002        0    72595       0
D  SCANA CORP                  COMMON           805898103       69     2550 SH       OTHER            002        0        0    2550
D  SCANA CORP                  COMMON           805898103      304    11310 SH       DEFINED          002        0    11310       0
D  SCHERING PLOUGH CORP        COMMON           806605101      848    20000 SH       SOLE             001    20000        0       0
D  SCHERING PLOUGH CORP        COMMON           806605101      218     5146 SH       DEFINED          001     5146        0       0
D  SCHERING PLOUGH CORP        COMMON           806605101        8      200 SH       OTHER            001      200        0       0
D  SCHERING-PLOUGH CORP        COMMON           806605101     1390    32800 SH       OTHER            002        0        0   32800
D  SCHERING-PLOUGH CORP        COMMON           806605101     1136    26800 SH       DEFINED          002        0    26800       0
D  SCHLUMBERGER LTD            COMMON           806857108     2781    49542 SH       DEFINED          001    49542        0       0
D  SCHLUMBERGER LTD            COMMON           806857108     1289    22975 SH       OTHER            001    22875        0     100
D  SCHLUMBERGER LTD            COMMON           806857108      790    14070 SH       OTHER            002        0        0   14070
D  SCHLUMBERGER LTD            COMMON           806857108      410     7300 SH       DEFINED          002        0     7300       0
D  SCOTTISH PWR PLC            COMMON           81013T705       13      464 SH       DEFINED          001      464        0       0
D  SCOTTISH PWR PLC            COMMON           81013T705       14      510 SH       OTHER            001      510        0       0
D  SEARS, ROEBUCK & CO         COMMON           812387108        3      100 SH       OTHER            001      100        0       0
D  SEARS, ROEBUCK & CO         COMMON           812387108      608    20000 SH       SOLE             001    20000        0       0
D  SEMPRA ENERGY               COMMON           816851109       17     1000 SH       OTHER            001     1000        0       0
D  SERVICEMASTER CO            COMMON           81760N109      593    48147 SH       OTHER            002        0        0   48147
D  SHAW INDS INC               COMMON           820286102        3      225 SH       OTHER            001      225        0       0
D  SHELL TRANSPORT & TRADING   COMMON           822703609     2450    50000 SH       SOLE             001    50000        0       0
D  SHERWIN WILLIAMS CO         COMMON           824348106      364    17350 SH       OTHER            001    17350        0       0
D  SHONEYS INC                 COMMON           825039100        0      100 SH       DEFINED          001      100        0       0
D  SHOP AT HOME INC            COMMON           825066301       15     1500 SH       DEFINED          001     1500        0       0
D  SIERRA PAC RES NEW          COMMON           826428104       12      678 SH       OTHER            001      678        0       0
D  SIGCORP INC                 COMMON           826912107      130     5700 SH       OTHER            001     5700        0       0
D  SIGMA-ALDRICH CORP          COMMON           826552101      135     4500 SH       OTHER            002        0        0    4500
D  SIGMA-ALDRICH CORP          COMMON           826552101      186     6200 SH       DEFINED          002        0     6200       0
D  SILICON VY GROUP INC        COMMON           827066101        5      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       46     2000 SH       OTHER            001     2000        0       0
D  SMITHKLINE BEECHAM PLC ADR  COMMON           832378301       62      970 SH       DEFINED          001      970        0       0
D  SOLUTIA INC                 COMMON           834376105       12      800 SH       OTHER            001      800        0       0
D  SOUTHERN CO                 COMMON           842587107     1119    47612 SH       DEFINED          001    47612        0       0
D  SOUTHERN CO                 COMMON           842587107       56     2400 SH       OTHER            001     2400        0       0
D  SOUTHWEST AIRLS CO          COMMON           844741108      632    39175 SH       DEFINED          001    39175        0       0
D  SOUTHWEST AIRLS CO          COMMON           844741108      127     7850 SH       OTHER            001     7850        0       0
D  SPIEKER PPTYS INC           COMMON           848497103       18      500 SH       DEFINED          001      500        0       0
D  SPRINT CORP COM             COMMON           852061100      330     4900 SH       DEFINED          001     4900        0       0
D  SPRINT CORP COM             COMMON           852061100      213     3170 SH       OTHER            002        0        0    3170
D  SPRINT CORP SER 1           COMMON           852061506      152     1480 SH       DEFINED          001     1480        0       0
D  SPRINT PCS                  COMMON           852061506      615     6000 SH       SOLE             001     6000        0       0
D  SPX CORP                    COMMON           784635104       16      200 SH       DEFINED          001      200        0       0
D  SPX CORP                    COMMON           784635104       41      511 SH       OTHER            001      511        0       0
D  STANDARD & POORS DEP TR     OTHER            78462F103        0        3 SH       DEFINED          001     N.A.     N.A.    N.A.
D  STANDEX INTL CORP           COMMON           854231107      126     6000 SH       OTHER            001     6000        0       0
D  STANLEY WORKS INC           COMMON           854616109        6      200 SH       OTHER            001      200        0       0
D  STANLEY WORKS INC           COMMON           854616109      536    17804 SH       OTHER            002        0        0   17804
D  STANLEY WORKS INC           COMMON           854616109      567    18820 SH       DEFINED          002        0    18820       0
D  STAPLES INC                 COMMON           855030102     3032   146125 SH       DEFINED          001   146125        0       0
D  STAPLES INC                 COMMON           855030102      442    21325 SH       OTHER            001    21325        0       0
D  STAPLES INC                 COMMON           855030102      196     9450 SH       OTHER            002        0        0    9450
D  STAPLES INC                 COMMON           855030102      812    39129 SH       DEFINED          002        0    39129       0
D  STARBUCKS CORP              COMMON           855244109      291    12000 SH       DEFINED          001    12000        0       0
D  STARBUCKS CORP              COMMON           855244109      209     8600 SH       OTHER            001     8600        0       0
D  STARWOOD HOTELS & RESORTS W COMMON           85590A203       58     2465 SH       DEFINED          001     2465        0       0
D  STATE STREET CORP           COMMON           857477103     4185    57280 SH       DEFINED          001    57155        0     125
D  STATE STREET CORP           COMMON           857477103      502     6875 SH       OTHER            001     6875        0       0
D  STATE STREET CORP           COMMON           857477103      321     4400 SH       OTHER            002        0        0    4400
D  STATE STREET CORP           COMMON           857477103      438     6000 SH       DEFINED          002        0     6000       0
D  STEPAN CO                   COMMON           858586100       37     1600 SH       OTHER            001     1600        0       0
D  STERIS CORP                 COMMON           859152100       29     2800 SH       DEFINED          001     2800        0       0
D  STRATEGIC DISTR INC         COMMON           862701208        9     6060 SH       DEFINED          001     6060        0       0
D  STRYKER CORP                COMMON           863667101       28      400 SH       DEFINED          001      400        0       0
D  SUIZA FOODS CORP.           COMMON           865077101      991    25000 SH       SOLE             001    25000        0       0
D  SUMMIT BANCORP              COMMON           866005101      616    20100 SH       SOLE             001    20100        0       0
D  SUN MICROSYSTEMS INC        COMMON           866810104     4877    62985 SH       DEFINED          001    62485        0     500
D  SUN MICROSYSTEMS INC        COMMON           866810104      453     5850 SH       OTHER            001     5850        0       0
D  SUN MICROSYSTEMS INC        COMMON           866810104     1394    18000 SH       SOLE             001    18000        0       0
D  SUNOCO INC                  COMMON           86764P109        5      208 SH       DEFINED          001      208        0       0
D  SUNTRUST BKS INC            COMMON           867914103      127     1850 SH       DEFINED          001     1850        0       0
D  SUPERVALU INC               COMMON           868536103     1538    76875 SH       DEFINED          001    76325        0     550
D  SUPERVALU INC               COMMON           868536103       63     3150 SH       OTHER            001     3150        0       0
D  SYSCO CORP                  COMMON           871829107      682    17250 SH       OTHER            002        0        0   17250
D  SYSCO CORP                  COMMON           871829107     2298    58093 SH       DEFINED          002        0    58093       0
D  TANDY CORP                  COMMON           875382103      738    15000 SH       SOLE             001    15000        0       0
D  TECO ENERGY INC             COMMON           872375100       28     1500 SH       OTHER            001     1500        0       0
D  TELECORP PCS INC.           COMMON           879299105      114     3000 SH       SOLE             001     3000        0       0
D  TELEFONICA DE ESPANA SA ADR COMMON           879382208      251     3182 SH       OTHER            001     3182        0       0
D  TELEFONICA DE ESPANA SA ADR COMMON           879382208      267     3383 SH       OTHER            002        0        0    3383
D  TELEFONICA DE ESPANA SA ADR COMMON           879382208      351     4455 SH       DEFINED          002        0     4455       0
D  TELIGENT INC                COMMON           87959Y103        9      150 SH       OTHER            001      150        0       0
D  TEMPLE-INLAND INC           COMMON           879868107       71     1080 SH       OTHER            001     1080        0       0
D  TENNECO AUTOMOTIVE INC      COMMON           880349105        1      134 SH       DEFINED          001      134        0       0
D  TERAYON COMMUNICATION SYS   COMMON           880775101      188     3000 SH       OTHER            001     3000        0       0
D  TEXACO INC                  COMMON           881694103      359     6608 SH       DEFINED          001     6608        0       0
D  TEXACO INC                  COMMON           881694103      644    11865 SH       OTHER            001    11865        0       0
D  TEXACO INC                  COMMON           881694103     1358    25000 SH       SOLE             001    25000        0       0
D  TEXACO INC                  COMMON           881694103       93     1706 SH       OTHER            002        0        0    1706
D  TEXACO INC                  COMMON           881694103      368     6782 SH       DEFINED          002        0     6782       0
D  TEXAS INDUSTRIES INC        COMMON           882491103     1064    25000 SH       SOLE             001    25000        0       0
D  TEXAS INSTRUMENTS INC       COMMON           882508104       77      800 SH       DEFINED          001      800        0       0
D  TEXAS INSTRUMENTS INC       COMMON           882508104      201     2080 SH       OTHER            001     2080        0       0
D  TEXAS INSTRUMENTS INC       COMMON           882508104      966    10000 SH       SOLE             001    10000        0       0
D  TEXAS INSTRUMENTS INC       COMMON           883508104     1198    12400 SH       OTHER            002        0        0   12400
D  TEXAS INSTRUMENTS INC       COMMON           883508104      773     8000 SH       DEFINED          002        0     8000       0
D  TEXAS UTILITIES CO          COMMON           882848104      389    10934 SH       DEFINED          001    10934        0       0
D  TEXAS UTILITIES CO          COMMON           882848104      140     3939 SH       OTHER            001     3939        0       0
D  TEXAS UTILITIES CO          COMMON           882848104       93     2611 SH       OTHER            002        0        0    2611
D  TEXAS UTILITIES CO          COMMON           882848104      555    15613 SH       DEFINED          002        0    15613       0
D  TEXTRON INC                 COMMON           883203101      253     3300 SH       OTHER            001     3300        0       0
D  TEXTRON INC                 COMMON           883203101      442     5760 SH       DEFINED          002        0     5760       0
D  THE DUN & BRADSTREET CORP   COMMON           26483B106      345    11690 SH       OTHER            002        0        0   11690
D  THE DUN & BRADSTREET CORP   COMMON           26483B106       15      500 SH       DEFINED          002        0      500       0
D  THERMO ELECTRON CORP        COMMON           883556102       54     3600 SH       OTHER            002        0        0    3600
D  THERMO ELECTRON CORP        COMMON           883556102      186    12431 SH       DEFINED          002        0    12431       0
D  THERMO INSTR SYS INC        COMMON           883559106       39     3515 SH       OTHER            001     3515        0       0
D  THOMAS NELSON               COMMON           640376109     1246   134700 SH       SOLE             001   134700        0       0
D  TIME WARNER INC             COMMON           887315109      309     4280 SH       DEFINED          001     4280        0       0
D  TIME WARNER INC             COMMON           887315109      926    12800 SH       OTHER            001    12800        0       0
D  TIME WARNER INC             COMMON           887315109      757    10468 SH       DEFINED          002        0    10468       0
D  TIME WARNER TELECOM INC     COMMON           887319101      125     2500 SH       OTHER            001     2500        0       0
D  TIMKEN CO                   COMMON           887389104       36     1760 SH       OTHER            001     1760        0       0
D  TMP WORLDWIDE INC           COMMON           872941109        6       45 SH       DEFINED          001       45        0       0
D  TORCHMARK CORP              COMMON           891027104      721    24800 SH       DEFINED          002        0    24800       0
D  TORCHMARK CORP.             COMMON           891027104      581    20000 SH       SOLE             001    20000        0       0
D  TORRINGTON WATER CO         COMMON           891466104     1287    32178 SH       DEFINED          002        0    32178       0
D  TRAVELERS                   COMMON           416505104       77     2257 SH       SOLE                     2257        0       0
D  TRI CONTINENTAL CORP        COMMON           895436103      187     6692 SH       OTHER            002        0        0    6692
D  TRI CONTINENTAL CORP        COMMON           895436103       47     1684 SH       DEFINED          002        0     1684       0
D  TRICON GLOBAL RESTAURANTS   COMMON           895953107      772    20000 SH       SOLE             001    20000        0       0
D  TRICON GLOBAL RESTAURANTS I COMMON           895953107        5      140 SH       OTHER            001      140        0       0
D  TRUST COMPANY BANCORPORATIO COMMON           898304100       57     2496 SH       OTHER            001     2496        0       0
D  TRW INC                     COMMON           872649108       47      900 SH       OTHER            001      900        0       0
D  TUPPERWARE CORP             COMMON           899896104        4      216 SH       OTHER            001      216        0       0
D  TYCO INTERNATIONAL LTD      COMMON           902124106      390    10000 SH       SOLE             001    10000        0       0
D  TYCO INTERNATIONAL LTD      COMMON           902124106     3076    78862 SH       DEFINED          001    78862        0       0
D  TYCO INTERNATIONAL LTD      COMMON           902124106     1730    44352 SH       OTHER            001    44352        0       0
D  TYCO INTERNATIONAL LTD      COMMON           902124106      320     8204 SH       OTHER            002        0        0    8204
D  TYCO INTERNATIONAL LTD      COMMON           902124106     1459    37406 SH       DEFINED          002        0    37406       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      102     1410 SH       DEFINED          001     1000        0     410
D  U S WEST INC NEW            COMMON           91273H101       86     1201 SH       OTHER            001     1201        0       0
D  U.S. BANCORP                COMMON           902973106       93     3885 SH       OTHER            002        0        0    3885
D  U.S. BANCORP                COMMON           902973106      222     9337 SH       DEFINED          002        0     9337       0
D  U.S. WEST COMMUNICATIONS GR COMMON           91273H101     1080    15000 SH       SOLE             001    15000        0       0
D  UNICOM CORPORATION          COMMON           904911104      335    10000 SH       SOLE             001    10000        0       0
D  UNILEVER N V NY SHS         COMMON           904784709      972    17857 SH       SOLE             001    17857        0       0
D  UNILEVER N V NY SHS         COMMON           904784709       49      892 SH       DEFINED          001      892        0       0
D  UNION OIL CO CALIFORNIA     COMMON           915289102     1342    40000 SH       SOLE             001    40000        0       0
D  UNION PAC RES GROUP INC     COMMON           907834105       49     3809 SH       DEFINED          001     3809        0       0
D  UNION PAC RES GROUP INC     COMMON           907834105       16     1254 SH       OTHER            001     1254        0       0
D  UNION PACIFIC CORP          COMMON           907818108        5      110 SH       DEFINED          001      110        0       0
D  UNION PACIFIC CORP          COMMON           907818108       39      900 SH       OTHER            001      900        0       0
D  UNION PACIFIC CORP          COMMON           907818108      166     3794 SH       OTHER            002        0        0    3794
D  UNION PACIFIC CORP          COMMON           907818108       37      850 SH       DEFINED          002        0      850       0
D  UNISYS CORP.                COMMON           909214108      639    20000 SH       SOLE             001    20000        0       0
D  UNITED ILLUMINATING CO      COMMON           910637107      104     2027 SH       DEFINED          001     2027        0       0
D  UNITED ILLUMINATING CO      COMMON           910637107       10      200 SH       OTHER            001      200        0       0
D  UNITED ILLUMINATING CO      COMMON           910637107        3       56 SH       OTHER            002        0        0      56
D  UNITED ILLUMINATING CO      COMMON           910637107      201     3921 SH       DEFINED          002        0     3921       0
D  UNITED PARCEL SERVICE INC   COMMON           911312106       69     1000 SH       OTHER            001     1000        0       0
D  UNITED PARCEL SERVICE INC   COMMON           911312106       14      200 SH       OTHER            002        0        0     200
D  UNITED PARCEL SERVICE INC   COMMON           911312106      304     4404 SH       DEFINED          002        0     4404       0
D  UNITED TECHNOLOGIES CORP    COMMON           913017109       78     1200 SH       DEFINED          001     1200        0       0
D  UNITED TECHNOLOGIES CORP    COMMON           913017109      293     4500 SH       OTHER            001     4500        0       0
D  UNITED TECHNOLOGIES CORP    COMMON           913017109      366     5626 SH       OTHER            002        0        0    5626
D  UNITED TECHNOLOGIES CORP    COMMON           913017109      374     5760 SH       DEFINED          002        0     5760       0
D  UNITED TECHNOLOGIES CORP,   COMMON           913017109     1300    20000 SH       SOLE             001    20000        0       0
D  UNIVERSAL HEALTH RLTY INCOM COMMON           91359E105       15     1000 SH       DEFINED          001     1000        0       0
D  UNOCAL CORP                 COMMON           915289102       89     2640 SH       DEFINED          001     2640        0       0
D  UNOCAL CORP                 COMMON           915289102       69     2042 SH       OTHER            002        0        0    2042
D  UNOCAL CORP                 COMMON           915289102      218     6500 SH       DEFINED          002        0     6500       0
D  UNUMPROVIDENT CORP          COMMON           91529Y106       22      700 SH       DEFINED          001      700        0       0
D  UNUMPROVIDENT CORP          COMMON           91529Y106       38     1200 SH       OTHER            001     1200        0       0
D  UNUMPROVIDENT CORP          COMMON           91529Y106      434    13550 SH       OTHER            002        0        0   13550
D  UNUMPROVIDENT CORP          COMMON           91529Y106      881    27474 SH       DEFINED          002        0    27474       0
D  UNUMPROVIDENT CORP.         COMMON           91529Y106      834    26000 SH       SOLE             001    26000        0       0
D  US WEST INC                 COMMON           91273H101      693     9628 SH       OTHER            002        0        0    9628
D  US WEST INC                 COMMON           91273H101     1407    19548 SH       DEFINED          002        0    19548       0
D  USA VIDEO INTERACTIVE CORP  COMMON           902924208       22    15400 SH       DEFINED          002        0    15400       0
D  USX-MARATHON GROUP          COMMON           902905827      225     9100 SH       OTHER            002        0        0    9100
D  USX-MARATHON GROUP          COMMON           902905827      165     6700 SH       DEFINED          002        0     6700       0
D  UTILICORP UTD INC           COMMON           918005109       41     2100 SH       DEFINED          001     2100        0       0
D  V F CORP                    COMMON           918204108       15      500 SH       OTHER            001      500        0       0
D  VAN KAMPEN MUNICIPAL INCOME OTHER            920909108       39     5056 SH       OTHER            001     N.A.     N.A.    N.A.
D  VANTIVE CORP CONVERTIBLE    CONVERT DEBT     922091AA1      340   400000 PRN      SOLE             001   400000        0       0
D  VERTICALNET, INC.           COMMON           92532L107      328     2000 SH       SOLE             001     2000        0       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       79     2500 SH       DEFINED          001     2500        0       0
D  VODAFONE AIRTOUCH PLC SP AD COMMON           92857T107      373     7530 SH       DEFINED          001     6530        0    1000
D  VODAFONE AIRTOUCH PLC SP AD COMMON           92857T107      347     7000 SH       OTHER            001     7000        0       0
D  VODAFONE AIRTOUCH PLC SP AD COMMON           92857T107      365     7375 SH       OTHER            002        0        0    7375
D  VODAFONE AIRTOUCH PLC SP AD COMMON           92857T107     1068    21575 SH       DEFINED          002        0    21575       0
D  VULCAN MATLS CO             COMMON           929160109      108     2700 SH       OTHER            001     2700        0       0
D  WACHOVIA CORP NEW           COMMON           929771103      163     2400 SH       OTHER            001     2400        0       0
D  WALGREEN CO                 COMMON           931422109     2682    91700 SH       DEFINED          001    91700        0       0
D  WALGREEN CO                 COMMON           931422109     1664    56890 SH       OTHER            001    56590        0     300
D  WALGREEN CO                 COMMON           931422109     1726    59000 SH       OTHER            002        0        0   59000
D  WALGREEN CO                 COMMON           931422109      415    14200 SH       DEFINED          002        0    14200       0
D  WAL-MART STORES INC         COMMON           931142103     4498    65065 SH       DEFINED          001    65065        0       0
D  WAL-MART STORES INC         COMMON           931142103     2627    38008 SH       OTHER            001    38008        0       0
D  WAL-MART STORES INC         COMMON           931142103     3456    50000 SH       SOLE             001    50000        0       0
D  WAL-MART STORES INC         COMMON           931142103     1270    18370 SH       OTHER            002        0        0   18370
D  WAL-MART STORES INC         COMMON           931142103     1816    26274 SH       DEFINED          002        0    26274       0
D  WARNER LAMBERT CO           COMMON           934488107     3167    38657 SH       DEFINED          001    38657        0       0
D  WARNER LAMBERT CO           COMMON           934488107      231     2823 SH       OTHER            001     2823        0       0
D  WARNER-LAMBERT CO           COMMON           934488107      707     8624 SH       OTHER            002        0        0    8624
D  WARNER-LAMBERT CO           COMMON           934488107     1880    22950 SH       DEFINED          002        0    22950       0
D  WASHINGTON GAS LIGHT CO     COMMON           938837101       66     2400 SH       OTHER            002        0        0    2400
D  WASHINGTON GAS LIGHT CO     COMMON           938837101      165     6000 SH       DEFINED          002        0     6000       0
D  WASHINGTON MUTUAL INC       COMMON           939322103      390    15075 SH       OTHER            002        0        0   15075
D  WASHINGTON MUTUAL INC       COMMON           939322103      607    23446 SH       DEFINED          002        0    23446       0
D  WEATHERFORD INTL INC NEW    COMMON           947074100       12      300 SH       DEFINED          001      300        0       0
D  WEATHERFORD INTL INC NEW    COMMON           947074100       45     1130 SH       OTHER            001     1130        0       0
D  WEBSTER FINL CORP WATERBURY COMMON           947890109       41     1760 SH       DEFINED          001      200        0    1560
D  WEBSTER FINL CORP WATERBURY COMMON           947890109      154     6516 SH       OTHER            001     6516        0       0
D  WEBSTER FINL CORP WATERBURY COMMON           947890109        2      100 SH       SOLE             001      100        0       0
D  WEBSTER FINL CORP WATERBURY COMMON           947890109      560    23759 SH       OTHER            002        0        0   23759
D  WEBSTER FINL CORP WATERBURY COMMON           947890109      959    40714 SH       DEFINED          002        0    40714       0
D  WELLS FARGO COMPANY         COMMON           949746101     1667    41225 SH       DEFINED          001    41225        0       0
D  WELLS FARGO COMPANY         COMMON           949746101      166     4100 SH       OTHER            001     4100        0       0
D  WELLS FARGO COMPANY         COMMON           949746101     1213    30000 SH       SOLE             001    30000        0       0
D  WELLS FARGO COMPANY         COMMON           949746101      142     3500 SH       OTHER            002        0        0    3500
D  WELLS FARGO COMPANY         COMMON           949746101      895    22137 SH       DEFINED          002        0    22137       0
D  WEYERHAEUSER CO             COMMON           962166104       61      850 SH       OTHER            001      850        0       0
D  WEYERHAEUSER CO             COMMON           962166104       93     1300 SH       OTHER            002        0        0    1300
D  WEYERHAEUSER CO             COMMON           962166104      223     3100 SH       DEFINED          002        0     3100       0
D  WHITMAN CORP.               COMMON           96647R107     1027    76400 SH       SOLE             001    76400        0       0
D  WHOLE FOODS MKT INC         COMMON           966837106       12      250 SH       OTHER            001      250        0       0
D  WILD OATS MKTS INC          COMMON           96808B107        8      375 SH       OTHER            001      375        0       0
D  WILLAMETTE INDS INC         COMMON           969133107        5      100 SH       OTHER            001      100        0       0
D  WILLIAMS COS INC            COMMON           969457100      917    30000 SH       SOLE             001    30000        0       0
D  WILLIAMS COS INC            COMMON           969457100       64     2100 SH       DEFINED          001     2100        0       0
D  WILLIAMS COS INC            COMMON           969457100      187     6114 SH       OTHER            001     6114        0       0
D  WILLIAMS COS INC            COMMON           969457100     2058    67330 SH       OTHER            002        0        0   67330
D  WILLIAMS COS INC            COMMON           969457100     3561   116518 SH       DEFINED          002        0   116518       0
D  WINN DIXIE STORES INC       COMMON           974280109       12      500 SH       DEFINED          001      500        0       0
D  WISCONSIN ENERGY CORP       COMMON           976657106       61     3150 SH       OTHER            001     3150        0       0
D  XEROX CORP                  COMMON           984121103      738    32550 SH       DEFINED          001    32550        0       0
D  XEROX CORP                  COMMON           984121103      526    23185 SH       OTHER            001    23185        0       0
D  XEROX CORP                  COMMON           984121103       29     1260 SH       OTHER            002        0        0    1260
D  XEROX CORP                  COMMON           984121103      293    12900 SH       DEFINED          002        0    12900       0
D  YANKEE ENERGY SYSTEM INC    COMMON           984779108       13      300 SH       OTHER            001      300        0       0
D  YANKEE ENERGY SYSTEM INC    COMMON           984779108       31      700 SH       OTHER            002        0        0     700
D  YANKEE ENERGY SYSTEM INC    COMMON           984779108      970    22074 SH       DEFINED          002        0    22074       0
</TABLE>


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