PEOPLES MUTUAL HOLDINGS
13F-HR, 2000-11-15
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                                UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C.  20549

                                    FORM 13F

                               FORM 13F COVER PAGE

REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 9/30/2000

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

INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT:

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

THE INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT AND THE
PERSON BY WHOM IT IS SIGNED HEREBY REPRESENT THAT THE PERSON
SIGNING THE REPORT IS AUTHORIZED TO SUBMIT IT, THAT ALL
INFORMATION CONTAINED HEREIN IS TRUE, CORRECT AND COMPLETE, AND
THAT IT IS UNDERSTOOD THAT ALL REQUIRED ITEMS, STATEMENTS
SCHEDULES, LISTS, AND TABLES, ARE CONSIDERED INTEGRAL PARTS OF
THIS FORM.


PERSON SIGNING THIS REPORT ON BEHALF OF REPORTING MANAGER:

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


REPORT TYPE (CHECK ONLY ONE.):

(X)        13F HOLDINGS REPORT

( )        13F NOTICE

( )        13F COMBINATION REPORT




I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE ACT OF 1934.



       George W. Morriss
       Bridgeport, Ct
       11/14/2000

<PAGE>
                              FORM 13F SUMMARY PAGE


REPORT SUMMARY:

NUMBER OF OTHER INCLUDED MANAGERS:                        2

FORM 13F INFORMATION TABLE ENTRY TOTAL:               1,057

FORM 13F INFORMATION TABLE VALUE TOTAL:            $874,966

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  3COM CORP                   COMMON          0885535104        2      100 SH       DEFINED          001      100        0       0
D  AAR CORP                    COMMON          0000361105       26     2250 SH       OTHER            001     2250        0       0
D  ABBOTT LABORATORIES INC     COMMON          0002824100      741    15575 SH       DEFINED          001    15575        0       0
D  ABBOTT LABORATORIES INC     COMMON          0002824100      516    10850 SH       OTHER            001    10850        0       0
D  ABBOTT LABORATORIES INC     COMMON          0002824100      713    15000 SH       SOLE             001    15000        0       0
D  ABBOTT LABORATORIES INC     COMMON          0002824100     1936    43450 SH       OTHER            002        0        0   43450
D  ABBOTT LABORATORIES INC     COMMON          0002824100     2028    45500 SH       DEFINED          002        0    45500       0
D  AETNA INC                   COMMON          0008117103        4       64 SH       DEFINED          001       64        0       0
D  AETNA INC                   COMMON          0008117103      269     4195 SH       OTHER            002        0        0    4195
D  AETNA INC                   COMMON          0008117103       93     1446 SH       DEFINED          002        0     1446       0
D  AFLAC INC                   COMMON          0001055102      336     5250 SH       OTHER            001     5250        0       0
D  AGILENT TECHNOLOGIES INC    COMMON          000846U101      734    15000 SH       SOLE             001    15000        0       0
D  AGILENT TECHNOLOGIES INC    COMMON          000846U101      581    11880 SH       DEFINED          001    11833        0      47
D  AGILENT TECHNOLOGIES INC    COMMON          000846U101      103     2097 SH       OTHER            001     2022        0      75
D  AGILENT TECHNOLOGIES INC    COMMON          000846U101      314     4262 SH       OTHER            002        0        0    4262
D  AGILENT TECHNOLOGIES INC    COMMON          000846U101     1102    14944 SH       DEFINED          002        0    14944       0
D  AIR PRODS & CHEMS INC       COMMON          0009158106       11      300 SH       DEFINED          001      300        0       0
D  AK STL HLDG CORP            COMMON          0001547108        4      382 SH       DEFINED          001      382        0       0
D  ALBERTSONS INC              COMMON          0013104104     1553    73950 SH       DEFINED          001    73675        0     275
D  ALBERTSONS INC              COMMON          0013104104       64     3025 SH       OTHER            001     3025        0       0
D  ALBERTSON'S INC             COMMON          0013104104      116     3500 SH       OTHER            002        0        0    3500
D  ALBERTSON'S INC             COMMON          0013104104      403    12120 SH       DEFINED          002        0    12120       0
D  ALCATEL                     COMMON          0013904305      943    15000 SH       SOLE             001    15000        0       0
D  ALCOA INC                   COMMON          0013817101      470    18564 SH       DEFINED          001    18564        0       0
D  ALCOA INC                   COMMON          0013817101      119     4700 SH       OTHER            001     4700        0       0
D  ALLEGHENY ENERGY INC        COMMON          0017361106       27      700 SH       DEFINED          001      700        0       0
D  ALLEGHENY ENERGY INC        COMMON          0017361106       49     1293 SH       OTHER            001     1293        0       0
D  ALLSTATE CORP               COMMON          0020002101       26      757 SH       DEFINED          001      757        0       0
D  ALLSTATE CORP               COMMON          0020002101      145     4184 SH       OTHER            001     4184        0       0
D  ALLTEL CORP                 COMMON          0020039103       48      912 SH       DEFINED          001      912        0       0
D  ALLTEL CORP                 COMMON          0020039103        7      129 SH       OTHER            001      129        0       0
D  ALLTEL CORP.                COMMON          0020039103      522    10000 SH       SOLE             001    10000        0       0
D  ALZA CORP COM               COMMON          0022615108      130     1500 SH       DEFINED          001     1500        0       0
D  AMAZON COM INC              COMMON          0023135106       19      500 SH       DEFINED          001        0        0     500
D  AMEREN CORP                 COMMON          0023608102       10      250 SH       OTHER            001      250        0       0
D  AMERICA ONLINE INC          COMMON          002364J104     1398    26000 SH       SOLE             001    26000        0       0
D  AMERICA ONLINE INC          COMMON          002364J104     2407    44785 SH       DEFINED          001    44785        0       0
D  AMERICA ONLINE INC          COMMON          002364J104      482     8975 SH       OTHER            001     8975        0       0
D  AMERICA ONLINE INC          COMMON          002364J104      127     2410 SH       OTHER            002        0        0    2410
D  AMERICA ONLINE INC          COMMON          002364J104      460     8750 SH       DEFINED          002        0     8750       0
D  AMERICAN BANK CONN WATERBUR COMMON          0024327108     1370    69800 SH       OTHER            002        0        0   69800
D  AMERICAN BANK CONN WATERBUR COMMON          0024327108      488    24847 SH       DEFINED          002        0    24847       0
D  AMERICAN ELECTRIC POWER INC COMMON          0025537101       86     2190 SH       DEFINED          001     1990        0     200
D  AMERICAN ELECTRIC POWER INC COMMON          0025537101      135     3442 SH       OTHER            001     3442        0       0
D  AMERICAN ELECTRIC POWER INC COMMON          0025537101       25      840 SH       OTHER            002        0        0     840
D  AMERICAN ELECTRIC POWER INC COMMON          0025537101      175     5920 SH       DEFINED          002        0     5920       0
D  AMERICAN EXPRESS CO         COMMON          0025816109     2258    37161 SH       DEFINED          001    37161        0       0
D  AMERICAN EXPRESS CO         COMMON          0025816109      945    15550 SH       OTHER            001    15550        0       0
D  AMERICAN EXPRESS CO         COMMON          0025816109      798    15300 SH       OTHER            002        0        0   15300
D  AMERICAN EXPRESS CO         COMMON          0025816109     2518    48311 SH       DEFINED          002        0    48311       0
D  AMERICAN EXPRESS CO.        COMMON          0025816109     1215    20000 SH       SOLE             001    20000        0       0
D  AMERICAN GENERAL CORP       COMMON          0026351106        2       32 SH       DEFINED          001       32        0       0
D  AMERICAN GENERAL CORP       COMMON          0026351106       11      180 SH       OTHER            002        0        0     180
D  AMERICAN GENERAL CORP       COMMON          0026351106      348     5700 SH       DEFINED          002        0     5700       0
D  AMERICAN HOME PRODUCTS CORP COMMON          0026609107     2945    52075 SH       DEFINED          001    52075        0       0
D  AMERICAN HOME PRODUCTS CORP COMMON          0026609107     1887    33357 SH       OTHER            001    33357        0       0
D  AMERICAN HOME PRODUCTS CORP COMMON          0026609107     1131    20000 SH       SOLE             001    20000        0       0
D  AMERICAN HOME PRODUCTS CORP COMMON          0026609107     1761    29969 SH       OTHER            002        0        0   29969
D  AMERICAN HOME PRODUCTS CORP COMMON          0026609107     2591    44108 SH       DEFINED          002        0    44108       0
D  AMERICAN INTERNATIONAL GROU COMMON          0026874107     1914    20000 SH       SOLE             001    20000        0       0
D  AMERICAN INTERNATIONAL GROU COMMON          0026874107     6574    68707 SH       DEFINED          001    68707        0       0
D  AMERICAN INTERNATIONAL GROU COMMON          0026874107     2474    25856 SH       OTHER            001    25856        0       0
D  AMERICAN INTERNATIONAL GROU COMMON          0026874107     5775    49146 SH       OTHER            002        0        0   49146
D  AMERICAN INTERNATIONAL GROU COMMON          0026874107    11374    96799 SH       DEFINED          002        0    96799       0
D  AMERICAN POWER CONVERSION C COMMON          0029066107     1988    48709 SH       OTHER            002        0        0   48709
D  AMERICAN POWER CONVERSION C COMMON          0029066107     3426    83941 SH       DEFINED          002        0    83941       0
D  AMERICAN WTR WKS INC        COMMON          0030411102       11      404 SH       DEFINED          001      404        0       0
D  AMGEN INC                   COMMON          0031162100     1088    15575 SH       DEFINED          001    15575        0       0
D  AMGEN INC                   COMMON          0031162100      794    11375 SH       OTHER            001    11375        0       0
D  AMGEN INC                   COMMON          0031162100      302     4295 SH       OTHER            002        0        0    4295
D  AMGEN INC                   COMMON          0031162100     1608    22891 SH       DEFINED          002        0    22891       0
D  ANADARKO PETE CORP          COMMON          0032511107       30      450 SH       DEFINED          001      450        0       0
D  ANADARKO PETE CORP          COMMON          0032511107       74     1115 SH       OTHER            001     1115        0       0
D  ANADIGICS INC               COMMON          0032515108       33     1500 SH       OTHER            001     1500        0       0
D  ANALOG DEVICES INC          COMMON          0032654105       50      600 SH       DEFINED          001      600        0       0
D  ANDREW CORP                 COMMON          0034425108       62     2362 SH       OTHER            001     2362        0       0
D  ANHEUSER-BUSCH CO           COMMON          0035229103     1269    30000 SH       SOLE             001    30000        0       0
D  ANHEUSER-BUSCH CO           COMMON          0035229103     3025    71500 SH       DEFINED          001    71500        0       0
D  ANHEUSER-BUSCH CO           COMMON          0035229103     1733    40960 SH       OTHER            001    40760        0     200
D  ANHEUSER-BUSCH CO           COMMON          0035229103      941    12600 SH       DEFINED          002        0    12600       0
D  AON CORP                    COMMON          0037389103      233     7500 SH       OTHER            002        0        0    7500
D  AON CORP                    COMMON          0037389103      109     3525 SH       DEFINED          002        0     3525       0
D  APACHE CORP                 COMMON          0037411105       59     1000 SH       OTHER            001     1000        0       0
D  APPLIED MATERIALS           COMMON          0038222105      741    12500 SH       SOLE             001    12500        0       0
D  APPLIED MATERIALS           COMMON          0038222105       12      200 SH       DEFINED          001      200        0       0
D  APPLIED MATERIALS           COMMON          0038222105      121     2044 SH       OTHER            001     2044        0       0
D  APTARGROUP INC              COMMON          0038336103       12      500 SH       DEFINED          001      500        0       0
D  ARCHER DANIELS MIDLAND CO   COMMON          0039483102        4      441 SH       OTHER            001      441        0       0
D  ARROW INTERNATIONAL         COMMON          0042764100      637    17500 SH       SOLE             001    17500        0       0
D  ARVINMERITOR INC            COMMON          0043353101        9      597 SH       OTHER            001      597        0       0
D  ASSOCIATES FIRST CAPITAL CO COMMON          0046008108     1140    30000 SH       SOLE             001    30000        0       0
D  ASSOCIATES FIRST CAPITAL CO COMMON          0046008108       16      418 SH       OTHER            001      418        0       0
D  ASSOCIATES FIRST CAPITAL CO COMMON          0046008108      230    10328 SH       OTHER            002        0        0   10328
D  ASSOCIATES FIRST CAPITAL CO COMMON          0046008108      166     7452 SH       DEFINED          002        0     7452       0
D  AT & T WIRELESS GROUP       COMMON          0001957406      248    11900 SH       DEFINED          001    11900        0       0
D  AT & T WIRELESS GROUP       COMMON          0001957406      167     8000 SH       SOLE             001     8000        0       0
D  AT HOME CORP                COMMON          0045919107       28     2000 SH       OTHER            001     2000        0       0
D  AT&T CORP                   COMMON          0001957109     1762    60000 SH       SOLE             001    60000        0       0
D  AT&T CORP                   COMMON          0001957109     1307    44489 SH       DEFINED          001    42406        0    2083
D  AT&T CORP                   COMMON          0001957109      895    30481 SH       OTHER            001    30331        0     150
D  AT&T CORP                   COMMON          0001957109      696    21889 SH       OTHER            002        0        0   21889
D  AT&T CORP                   COMMON          0001957109     1357    42662 SH       DEFINED          002        0    42662       0
D  AT&T CORP COM LIBERTY MEDIA COMMON          0001957208       72     4000 SH       OTHER            001     4000        0       0
D  AUTOMATIC DATA PROCESSING I COMMON          0053015103      214     3200 SH       DEFINED          001     3200        0       0
D  AUTOMATIC DATA PROCESSING I COMMON          0053015103      452     6755 SH       OTHER            001     6755        0       0
D  AUTOMATIC DATA PROCESSING I COMMON          0053015103     1355    25300 SH       OTHER            002        0        0   25300
D  AUTOMATIC DATA PROCESSING I COMMON          0053015103     2126    39700 SH       DEFINED          002        0    39700       0
D  AVALONBAY CMNTYS INC        COMMON          0053484101       48     1000 SH       DEFINED          001     1000        0       0
D  AVALONBAY CMNTYS INC        COMMON          0053484101       95     2000 SH       OTHER            001     2000        0       0
D  AVERY DENNISON CORP         COMMON          0053611109       60     1285 SH       OTHER            001     1285        0       0
D  AVNET INC                   COMMON          0053807103     2330    82100 SH       DEFINED          001    81800        0     300
D  AVNET INC                   COMMON          0053807103      176     6200 SH       OTHER            001     6200        0       0
D  AVNET INC                   COMMON          0053807103      738    12450 SH       OTHER            002        0        0   12450
D  AVNET INC                   COMMON          0053807103      814    13738 SH       DEFINED          002        0    13738       0
D  AVON PRODUCTS               COMMON          0054303102     1226    30000 SH       SOLE             001    30000        0       0
D  AXA FINL INC                COMMON          0002451102        8      150 SH       DEFINED          001      150        0       0
D  AXA FINL INC                COMMON          0002451102      255     5000 SH       OTHER            001     5000        0       0
D  BAKER HUGHES INC            COMMON          0057224107       15      400 SH       DEFINED          001      400        0       0
D  BALLARD PWR SYS INC         COMMON          005858H104       55      500 SH       DEFINED          001      500        0       0
D  BANK OF AMERICA CORP        COMMON          0060505104      202     3852 SH       DEFINED          001     3852        0       0
D  BANK OF AMERICA CORP        COMMON          0060505104      226     4317 SH       OTHER            001     4317        0       0
D  BANK OF AMERICA CORP        COMMON          0060505104     1855    35426 SH       SOLE             001    35426        0       0
D  BANK OF AMERICA CORP        COMMON          0060505104       66     1528 SH       OTHER            002        0        0    1528
D  BANK OF AMERICA CORP        COMMON          0060505104      169     3885 SH       DEFINED          002        0     3885       0
D  BANK OF AMERICA CORP        COMMON          0060505104       22      426 SH       SOLE                      426        0       0
D  BANK OF NEW YORK INC        COMMON          0064057102      766    13664 SH       DEFINED          001    13664        0       0
D  BANK OF NEW YORK INC        COMMON          0064057102      631    11254 SH       OTHER            001    11254        0       0
D  BANK OF NEW YORK INC        COMMON          0064057102      605    10800 SH       SOLE             001    10800        0       0
D  BANK OF NEW YORK INC        COMMON          0064057102     2876    61843 SH       OTHER            002        0        0   61843
D  BANK OF NEW YORK INC        COMMON          0064057102      669    14385 SH       DEFINED          002        0    14385       0
D  BANK OF NEW YORK INC        COMMON          0064057102       45      800 SH       SOLE                      800        0       0
D  BANK ONE CORP               COMMON          006423A103       12      300 SH       DEFINED          001      300        0       0
D  BANK ONE CORP               COMMON          006423A103        6      150 SH       OTHER            001      150        0       0
D  BANK ONE CORP               COMMON          006423A103      227     8565 SH       OTHER            002        0        0    8565
D  BANK ONE CORP               COMMON          006423A103       45     1696 SH       DEFINED          002        0     1696       0
D  BANK ONE CORP.              COMMON          006423A103        5      133 SH       SOLE             001      133        0       0
D  BANK ONE CORP.              COMMON          006423A103        5      133 SH       SOLE                      133        0       0
D  BANKNORTH GROUP             COMMON          006646R107        2      100 SH       SOLE             001      100        0       0
D  BANKNORTH GROUP             COMMON          006646R107      132     7398 SH       DEFINED          001        0        0    7398
D  BARCLAYS BK PLC NT CONV PFD PREFERRED STOCK 006738C836       15      640 SH       OTHER            001    N.A.      N.A.    N.A.
D  BARD C R INC                COMMON          0067383109      124     2930 SH       OTHER            001     2930        0       0
D  BASS PUB LTD CO             COMMON          0069904209        0        8 SH       DEFINED          001        8        0       0
D  BAUSCH & LOMB               COMMON          0071707103      779    20000 SH       SOLE             001    20000        0       0
D  BAXTER INTERNATIONAL INC    COMMON          0071813109       52      650 SH       DEFINED          001      650        0       0
D  BAXTER INTERNATIONAL INC    COMMON          0071813109     1322    18800 SH       OTHER            002        0        0   18800
D  BAXTER INTERNATIONAL INC    COMMON          0071813109      995    14150 SH       DEFINED          002        0    14150       0
D  BECTON DICKINSON & CO       COMMON          0075887109       60     2265 SH       DEFINED          001     2265        0       0
D  BECTON DICKINSON & CO       COMMON          0075887109       69     2400 SH       OTHER            002        0        0    2400
D  BECTON DICKINSON & CO       COMMON          0075887109      592    20650 SH       DEFINED          002        0    20650       0
D  BELLSOUTH CORP              COMMON          0079860102     2796    69454 SH       DEFINED          001    67154        0    2300
D  BELLSOUTH CORP              COMMON          0079860102      891    22144 SH       OTHER            001    22144        0       0
D  BELLSOUTH CORP              COMMON          0079860102     1072    25161 SH       OTHER            002        0        0   25161
D  BELLSOUTH CORP              COMMON          0079860102      618    14508 SH       DEFINED          002        0    14508       0
D  BELLSOUTH CORP.             COMMON          0079860102      684    17000 SH       SOLE             001    17000        0       0
D  BERGEN BRUNSWIG CORP        COMMON          0083739102        8      700 SH       DEFINED          001      700        0       0
D  BERKSHIRE HATHAWAY INC CL B COMMON          0084670207       43       21 SH       OTHER            001       21        0       0
D  BESTFOODS INC               COMMON          008658U101      291     4000 SH       DEFINED          001     4000        0       0
D  BESTFOODS INC               COMMON          008658U101       73     1000 SH       OTHER            001     1000        0       0
D  BESTFOODS INC               COMMON          008658U101      429     6200 SH       OTHER            002        0        0    6200
D  BESTFOODS INC               COMMON          008658U101     1904    27500 SH       DEFINED          002        0    27500       0
D  BIOGEN INC                  COMMON          0090597105       12      200 SH       DEFINED          001      200        0       0
D  BIOGEN INC                  COMMON          0090597105        6      100 SH       OTHER            001      100        0       0
D  BLACK & DECKER CORP.        COMMON          0091797100      684    20000 SH       SOLE             001    20000        0       0
D  BLACKROCK INCOME TR INC     OTHER           009247F100       96    15000 SH       DEFINED          001    N.A.      N.A.    N.A.
D  BMC INDS INC MINN           COMMON          0055607105        7     1000 SH       OTHER            001     1000        0       0
D  BOEING CO                   COMMON          0097023105     1840    29200 SH       DEFINED          001    29200        0       0
D  BOEING CO                   COMMON          0097023105      466     7400 SH       OTHER            001     7400        0       0
D  BOEING CO                   COMMON          0097023105      765    18300 SH       OTHER            002        0        0   18300
D  BOEING CO                   COMMON          0097023105      181     4336 SH       DEFINED          002        0     4336       0
D  BP AMOCO P L C ADR          COMMON          0055622104     3669    69221 SH       DEFINED          001    69221        0       0
D  BP AMOCO P L C ADR          COMMON          0055622104     1823    34396 SH       OTHER            001    34396        0       0
D  BP AMOCO P L C ADR          COMMON          0055622104     1458    27500 SH       SOLE             001    27500        0       0
D  BP AMOCO P L C ADR          COMMON          0055622104     1049    18518 SH       OTHER            002        0        0   18518
D  BP AMOCO P L C ADR          COMMON          0055622104     2655    46884 SH       DEFINED          002        0    46884       0
D  BRIGHT HORIZONS FAMILY SOLU COMMON          0109195107       26     1000 SH       OTHER            001     1000        0       0
D  BRISTOL MYERS SQUIBB CO     COMMON          0110122108     2428    42500 SH       SOLE             001    42500        0       0
D  BRISTOL MYERS SQUIBB CO     COMMON          0110122108     4705    82357 SH       DEFINED          001    81357        0    1000
D  BRISTOL MYERS SQUIBB CO     COMMON          0110122108     3196    55945 SH       OTHER            001    55945        0       0
D  BRISTOL-MYERS SQUIBB CO     COMMON          0110122108     3213    55156 SH       OTHER            002        0        0   55156
D  BRISTOL-MYERS SQUIBB CO     COMMON          0110122108     5048    86668 SH       DEFINED          002        0    86668       0
D  BROWN FORMAN CORP CL A      COMMON          0115637100       49      900 SH       OTHER            001      900        0       0
D  BURLINGTON NO. SANTA FE     COMMON          012189T104      539    25000 SH       SOLE             001    25000        0       0
D  BURLINGTON NO. SANTA FE     COMMON          012189T104       66     3063 SH       DEFINED          001     2313        0     750
D  BURLINGTON NO. SANTA FE     COMMON          012189T104      112     5182 SH       OTHER            001     5182        0       0
D  BURLINGTON NO. SANTA FE     COMMON          012189T104       65     2800 SH       OTHER            002        0        0    2800
D  BURLINGTON NO. SANTA FE     COMMON          012189T104      409    17604 SH       DEFINED          002        0    17604       0
D  BURLINGTON RES INC          COMMON          0122014103       15      400 SH       DEFINED          001        0        0     400
D  BURLINGTON RES INC          COMMON          0122014103       51     1394 SH       OTHER            001     1394        0       0
D  C P & L ENERGY INC          COMMON          012614C106       42     1000 SH       DEFINED          001     1000        0       0
D  C P & L ENERGY INC          COMMON          012614C106       22      532 SH       OTHER            001      532        0       0
D  CABLEVISION SYS CORP        COMMON          012686C109       50      750 SH       DEFINED          001      750        0       0
D  CAMPBELL SOUP CO            COMMON          0134429109      175     6000 SH       OTHER            002        0        0    6000
D  CAMPBELL SOUP CO            COMMON          0134429109      239     8200 SH       DEFINED          002        0     8200       0
D  CANADIAN PACIFIC LTD        COMMON          0135923100      260    10000 SH       SOLE             001    10000        0       0
D  CARDINAL HEALTH INC COM     COMMON          014149Y108      115     1300 SH       OTHER            001     1300        0       0
D  CARNIVAL CORP CL A          COMMON          0143658102     2178    88450 SH       DEFINED          001    88300        0     150
D  CARNIVAL CORP CL A          COMMON          0143658102      121     4925 SH       OTHER            001     4925        0       0
D  CATELLUS DEV CORP           COMMON          0149111106        8      462 SH       OTHER            001      462        0       0
D  CATERPILLAR INC             COMMON          0149123101     1474    43675 SH       DEFINED          001    43675        0       0
D  CATERPILLAR INC             COMMON          0149123101      186     5500 SH       OTHER            001     5500        0       0
D  CATERPILLAR INC             COMMON          0149123101        7      205 SH       OTHER            002        0        0     205
D  CATERPILLAR INC             COMMON          0149123101      586    17300 SH       DEFINED          002        0    17300       0
D  CBRL GROUP INC              COMMON          012489V106        1       70 SH       OTHER            001       70        0       0
D  CENTRAL SECS CORP           COMMON          0155123102       41     1144 SH       OTHER            001     1144        0       0
D  CHARTER ONE FINL INC        COMMON          0160903100        8      315 SH       DEFINED          001      315        0       0
D  CHASE MANHATTAN BANK        COMMON          016161A108       28      612 SH       SOLE             001      612        0       0
D  CHASE MANHATTAN BANK        COMMON          016161A108       28      612 SH       SOLE                      612        0       0
D  CHASE MANHATTAN CORP        COMMON          016161A108      193     4168 SH       DEFINED          001     4168        0       0
D  CHASE MANHATTAN CORP        COMMON          016161A108      333     7215 SH       OTHER            001     7215        0       0
D  CHASE MANHATTAN CORP        COMMON          016161A108      230     4986 SH       OTHER            002        0        0    4986
D  CHASE MANHATTAN CORP        COMMON          016161A108      433     9405 SH       DEFINED          002        0     9405       0
D  CHEVRON CORP                COMMON          0166751107     1517    17800 SH       DEFINED          001    17725        0      75
D  CHEVRON CORP                COMMON          0166751107      664     7789 SH       OTHER            001     7789        0       0
D  CHEVRON CORP                COMMON          0166751107      694     8170 SH       OTHER            002        0        0    8170
D  CHEVRON CORP                COMMON          0166751107      900    10600 SH       DEFINED          002        0    10600       0
D  CHIRON CORP                 COMMON          0170040109       90     2000 SH       DEFINED          001     2000        0       0
D  CHIRON CORP                 COMMON          0170040109       44      925 SH       OTHER            002        0        0     925
D  CHIRON CORP                 COMMON          0170040109      166     3500 SH       DEFINED          002        0     3500       0
D  CHUBB CORP                  COMMON          0171232101     3355    42400 SH       DEFINED          001    42400        0       0
D  CHUBB CORP                  COMMON          0171232101      536     6775 SH       OTHER            001     6775        0       0
D  CIGNA CORP                  COMMON          0125509109      301     2886 SH       DEFINED          001     2886        0       0
D  CIGNA CORP                  COMMON          0125509109       85      818 SH       OTHER            001      818        0       0
D  CIGNA CORP                  COMMON          0125509109      694     7425 SH       OTHER            002        0        0    7425
D  CIGNA CORP                  COMMON          0125509109       29      315 SH       DEFINED          002        0      315       0
D  CINCINNATI FINANCIAL CORP   COMMON          0172062101      156     4959 SH       OTHER            002        0        0    4959
D  CINCINNATI FINANCIAL CORP   COMMON          0172062101      468    14880 SH       DEFINED          002        0    14880       0
D  CIRCUIT CITY STORES INC     COMMON          0172737108     2837   123340 SH       DEFINED          001   123140        0     200
D  CIRCUIT CITY STORES INC     COMMON          0172737108      485    21100 SH       OTHER            001    19600        0    1500
D  CISCO SYSTEMS INC           COMMON          017275R102     8235   149050 SH       DEFINED          001   149050        0       0
D  CISCO SYSTEMS INC           COMMON          017275R102     3685    66695 SH       OTHER            001    65595        0    1100
D  CISCO SYSTEMS INC           COMMON          017275R102     1676    26368 SH       OTHER            002        0        0   26368
D  CISCO SYSTEMS INC           COMMON          017275R102     3538    55662 SH       DEFINED          002        0    55662       0
D  CISCO SYSTEMS INC.          COMMON          017275R102     3177    57500 SH       SOLE             001    57500        0       0
D  CITIGROUP INC               COMMON          0172967101     1937 35833.34 SH       SOLE             001 35833.34        0       0
D  CITIGROUP INC               COMMON          0172967101     4814    89042 SH       DEFINED          001    89042        0       0
D  CITIGROUP INC               COMMON          0172967101     2241    41453 SH       OTHER            001    41453        0       0
D  CITIGROUP INC               COMMON          0172967101     2595    42930 SH       OTHER            002        0        0   42930
D  CITIGROUP INC               COMMON          0172967101     3189    52764 SH       DEFINED          002        0    52764       0
D  CITIGROUP INC               COMMON          0172967101       27      500 SH       SOLE                      500        0       0
D  CITIZENS COMMUNICATIONS CO  COMMON          017453B101        4      308 SH       DEFINED          001      308        0       0
D  CITRIX SYS INC              COMMON          0177376100        6      300 SH       DEFINED          001      300        0       0
D  CLEAR CHANNEL COMMUNICATION COMMON          0184502102      848    15000 SH       SOLE             001    15000        0       0
D  CLECO CORP NEW              COMMON          012561W105       94     2000 SH       OTHER            001     2000        0       0
D  CMS ENERGY CORP             COMMON          0125896100       27     1000 SH       OTHER            001     1000        0       0
D  COASTAL CORP                COMMON          0190441105      222     3000 SH       OTHER            001     3000        0       0
D  COCA -COLA COMPANY          COMMON          0191216100     1929    35000 SH       SOLE             001    35000        0       0
D  COCA -COLA COMPANY          COMMON          0191216100     3444    62471 SH       DEFINED          001    62471        0       0
D  COCA -COLA COMPANY          COMMON          0191216100     1480    26850 SH       OTHER            001    26725        0     125
D  COCA -COLA COMPANY          COMMON          0191216100      963    16766 SH       OTHER            002        0        0   16766
D  COCA -COLA COMPANY          COMMON          0191216100     1157    20150 SH       DEFINED          002        0    20150       0
D  COLGATE PALMOLIVE CO        COMMON          0194162103      637    13500 SH       DEFINED          001    13500        0       0
D  COLGATE PALMOLIVE CO        COMMON          0194162103      425     9000 SH       OTHER            001     9000        0       0
D  COLONIAL HIGH INCOME MUN TR OTHER           0195743109      146    22000 SH       OTHER            001    N.A.      N.A.    N.A.
D  COLUMBIA LABS INC           COMMON          0197779101       13     2300 SH       OTHER            001     2300        0       0
D  COMCAST CORP CL A           COMMON          0200300101       31      750 SH       DEFINED          001      750        0       0
D  COMCAST CORP CL A SPL       COMMON          0200300200       44     1064 SH       DEFINED          001     1064        0       0
D  COMCAST CORP CL A SPL       COMMON          0200300200       18      450 SH       OTHER            001      450        0       0
D  COMERICA INC                COMMON          0200340107       26      450 SH       OTHER            001      450        0       0
D  COMPAQ COMPUTER CORP        COMMON          0204493100      168     6100 SH       DEFINED          001     6100        0       0
D  COMPAQ COMPUTER CORP        COMMON          0204493100      339    12300 SH       OTHER            001    12300        0       0
D  COMPAQ COMPUTER CORP.       COMMON          0204493100      552    20000 SH       SOLE             001    20000        0       0
D  COMPUTER ASSOC INTL INC     COMMON          0204912109     2421    96137 SH       DEFINED          001    95962        0     175
D  COMPUTER ASSOC INTL INC     COMMON          0204912109      526    20900 SH       OTHER            001    20900        0       0
D  COMPUTER SCIENCES CORP      COMMON          0205363104       56      750 SH       DEFINED          001      750        0       0
D  CONAGRA FOODS               COMMON          0205887102      702    35000 SH       SOLE             001    35000        0       0
D  CONAGRA FOODS               COMMON          0205887102       48     2400 SH       OTHER            001     2400        0       0
D  CONEXANT SYS INC            COMMON          0207142100       17      400 SH       DEFINED          001      400        0       0
D  CONEXANT SYS INC            COMMON          0207142100      100     2392 SH       OTHER            001     2392        0       0
D  CONOCO                      COMMON          0208251306      392    15000 SH       SOLE             001    15000        0       0
D  CONOCO INC CL B             COMMON          0208251405       20      737 SH       DEFINED          001      737        0       0
D  CONSOLIDATED EDISON INC     COMMON          0209115104       14      400 SH       DEFINED          001      400        0       0
D  CONSOLIDATED EDISON INC     COMMON          0209115104       10      300 SH       OTHER            001      300        0       0
D  CONSOLIDATED PRODS INC      COMMON          0209798107      440    55000 SH       DEFINED          001    55000        0       0
D  CONSTELLATION ENERGY GROUP  COMMON          0210371100       60     1200 SH       OTHER            001     1200        0       0
D  CONSTELLATION ENERGY GROUP  COMMON          0210371100       68     2100 SH       OTHER            002        0        0    2100
D  CONSTELLATION ENERGY GROUP  COMMON          0210371100      137     4196 SH       DEFINED          002        0     4196       0
D  CONVERGYS CORP.             COMMON          0212485106      583    15000 SH       SOLE             001    15000        0       0
D  COOPER INDS INC             COMMON          0216669101       28      800 SH       OTHER            001      800        0       0
D  CORNING INC                 COMMON          0219350105      364     1225 SH       DEFINED          001     1225        0       0
D  CORNING INC                 COMMON          0219350105      636     2140 SH       OTHER            001     2140        0       0
D  CORNING INC                 COMMON          0219350105      432     1600 SH       OTHER            002        0        0    1600
D  CORNING INC                 COMMON          0219350105     2958    10960 SH       DEFINED          002        0    10960       0
D  COSTCO WHSL CORP NEW        COMMON          022160K105      873    25000 SH       SOLE             001    25000        0       0
D  COSTCO WHSL CORP NEW        COMMON          022160K105     1122    32125 SH       DEFINED          001    32125        0       0
D  COSTCO WHSL CORP NEW        COMMON          022160K105      241     6900 SH       OTHER            001     6900        0       0
D  COVANCE INC                 COMMON          0222816100        2      200 SH       OTHER            001      200        0       0
D  CRESCENT REAL ESTATE        COMMON          0225756105        9      400 SH       DEFINED          001      400        0       0
D  CRESCENT REAL ESTATE        COMMON          0225756105       51     2300 SH       OTHER            001     2300        0       0
D  CSX CORP                    COMMON          0126408103      231    10600 SH       OTHER            001    10600        0       0
D  CUMMINS ENGINE INC          COMMON          0231021106       13      420 SH       OTHER            001      420        0       0
D  CVS CORP                    COMMON          0126650100      162     3500 SH       DEFINED          001     3500        0       0
D  CVS CORP                    COMMON          0126650100      392     9800 SH       OTHER            002        0        0    9800
D  CVS CORP                    COMMON          0126650100     1034    25856 SH       DEFINED          002        0    25856       0
D  DAIMLERCHRYSLER AG          COMMON          0D1668R123      925    20849 SH       DEFINED          001    20849        0       0
D  DAIMLERCHRYSLER AG          COMMON          0D1668R123      223     5033 SH       OTHER            001     4334        0     699
D  DANA CORP                   COMMON          0235811106        8      371 SH       OTHER            002        0        0     371
D  DANA CORP                   COMMON          0235811106      281    13283 SH       DEFINED          002        0    13283       0
D  DATALINK.NET INC            COMMON          023804A206      236    18000 SH       DEFINED          002        0    18000       0
D  DEERE & CO                  COMMON          0244199105      945    28410 SH       DEFINED          001    28410        0       0
D  DEERE & CO                  COMMON          0244199105      197     5935 SH       OTHER            001     5935        0       0
D  DEERE & CO                  COMMON          0244199105       22      600 SH       OTHER            002        0        0     600
D  DEERE & CO                  COMMON          0244199105      200     5400 SH       DEFINED          002        0     5400       0
D  DELL COMPUTER CORP          COMMON          0247025109      847    27500 SH       SOLE             001    27500        0       0
D  DELL COMPUTER CORP          COMMON          0247025109      287     9310 SH       DEFINED          001     9310        0       0
D  DELL COMPUTER CORP          COMMON          0247025109      525    17054 SH       OTHER            001    17054        0       0
D  DELL COMPUTER CORP          COMMON          0247025109       15      300 SH       OTHER            002        0        0     300
D  DELL COMPUTER CORP          COMMON          0247025109      321     6509 SH       DEFINED          002        0     6509       0
D  DELPHI AUTOMOTIVE SYS CORP  COMMON          0247126105       10      654 SH       OTHER            001      654        0       0
D  DEVON ENERGY CORPORATIOIN N COMMON          025179M103       67     1122 SH       OTHER            001     1122        0       0
D  DEXTER CORP                 COMMON          0252165105       12      200 SH       OTHER            001      200        0       0
D  DIONEX CORP                 COMMON          0254546104       28     1000 SH       DEFINED          001     1000        0       0
D  DISNEY (WALT) CO HOLDINGS C COMMON          0254687106      765    20000 SH       SOLE             001    20000        0       0
D  DISNEY (WALT) CO HOLDINGS C COMMON          0254687106       92     2400 SH       DEFINED          001     2400        0       0
D  DISNEY (WALT) CO HOLDINGS C COMMON          0254687106       14      375 SH       OTHER            001      375        0       0
D  DISNEY (WALT) CO HOLDINGS C COMMON          0254687106      811    20906 SH       OTHER            002        0        0   20906
D  DISNEY (WALT) CO HOLDINGS C COMMON          0254687106     2423    62429 SH       DEFINED          002        0    62429       0
D  DOMINION RES INC VA NEW     COMMON          025746U109      162     2783 SH       DEFINED          001     2783        0       0
D  DOMINION RES INC VA NEW     COMMON          025746U109      901    15523 SH       OTHER            001    15523        0       0
D  DONNELLEY R R & SONS CO     COMMON          0257867101       20      800 SH       OTHER            001      800        0       0
D  DOVER CORP                  COMMON          0260003108     1558    33200 SH       OTHER            001    33000        0     200
D  DOW CHEMICAL CO             COMMON          0260543103      581    23287 SH       DEFINED          001    23287        0       0
D  DOW CHEMICAL CO             COMMON          0260543103      954    38275 SH       OTHER            001    38275        0       0
D  DOW CHEMICAL CO             COMMON          0260543103      583    19044 SH       OTHER            002        0        0   19044
D  DOW CHEMICAL CO             COMMON          0260543103     1005    32823 SH       DEFINED          002        0    32823       0
D  DUFF & PHELPS UTIL INCOME I COMMON          0264324104      226    23459 SH       OTHER            002        0        0   23459
D  DUFF & PHELPS UTIL INCOME I COMMON          0264324104      234    24338 SH       DEFINED          002        0    24338       0
D  DUKE ENERGY CORP            COMMON          0264399106     1286    15000 SH       SOLE             001    15000        0       0
D  DUKE ENERGY CORP            COMMON          0264399106      189     2203 SH       DEFINED          001     2203        0       0
D  DUKE ENERGY CORP            COMMON          0264399106       86     1000 SH       OTHER            001     1000        0       0
D  DUKE ENERGY CORP            COMMON          0264399106      128     2250 SH       OTHER            002        0        0    2250
D  DUKE ENERGY CORP            COMMON          0264399106      236     4150 SH       DEFINED          002        0     4150       0
D  DUN & BRADSTREET CORP DEL   COMMON          026483B106       55     1600 SH       OTHER            001     1600        0       0
D  DUPONT (E.I.) DE NEMOURS &  COMMON          0263534109     3028    73065 SH       DEFINED          001    73065        0       0
D  DUPONT (E.I.) DE NEMOURS &  COMMON          0263534109     1096    26445 SH       OTHER            001    26445        0       0
D  DUPONT (E.I.) DE NEMOURS &  COMMON          0263534109      622    15000 SH       SOLE             001    15000        0       0
D  DUPONT (E.I.) DE NEMOURS &  COMMON          0263534109      273     6206 SH       OTHER            002        0        0    6206
D  DUPONT (E.I.) DE NEMOURS &  COMMON          0263534109     1486    33800 SH       DEFINED          002        0    33800       0
D  E M C CORP MASS             COMMON          0268648102     4187    42241 SH       DEFINED          001    42241        0       0
D  E M C CORP MASS             COMMON          0268648102     1812    18275 SH       OTHER            001    18225        0      50
D  EASTMAN CHEM CO             COMMON          0277432100        6      168 SH       DEFINED          001      168        0       0
D  EASTMAN CHEM CO             COMMON          0277432100        2       49 SH       OTHER            001       49        0       0
D  EASTMAN KODAK CO            COMMON          0277461109       74     1801 SH       DEFINED          001     1801        0       0
D  EASTMAN KODAK CO            COMMON          0277461109      116     2828 SH       OTHER            001     2828        0       0
D  EASTMAN KODAK CO            COMMON          0277461109      350     5863 SH       OTHER            002        0        0    5863
D  EASTMAN KODAK CO            COMMON          0277461109      215     3600 SH       DEFINED          002        0     3600       0
D  ECHOSTAR COMMUNICATIONS COR COMMON          0278762109      274     8284 SH       DEFINED          002        0     8284       0
D  EL PASO ENERGY CORP         COMMON          0283905107      103     1666 SH       OTHER            001     1666        0       0
D  EL PASO ENERGY CORP         COMMON          0283905107       31      600 SH       OTHER            002        0        0     600
D  EL PASO ENERGY CORP         COMMON          0283905107      441     8658 SH       DEFINED          002        0     8658       0
D  EL PASO ENERGY PARTNERS L P COMMON          028368B102      134     5000 SH       OTHER            001     5000        0       0
D  ELAN CORP PLC ADR           COMMON          0284131208      155     2840 SH       DEFINED          001     2840        0       0
D  ELAN CORP PLC ADR           COMMON          0284131208       42      869 SH       OTHER            002        0        0     869
D  ELAN CORP PLC ADR           COMMON          0284131208      289     5966 SH       DEFINED          002        0     5966       0
D  ELECTRONIC DATA SYSTEMS COR COMMON          0285661104       11      274 SH       DEFINED          001      274        0       0
D  ELECTRONIC DATA SYSTEMS COR COMMON          0285661104       19      456 SH       OTHER            001      456        0       0
D  ELECTRONIC DATA SYSTEMS COR COMMON          0285661104      622    15000 SH       SOLE             001    15000        0       0
D  ELECTRONIC DATA SYSTEMS COR COMMON          0285661104      782    18963 SH       OTHER            002        0        0   18963
D  ELECTRONIC DATA SYSTEMS COR COMMON          0285661104     1717    41621 SH       DEFINED          002        0    41621       0
D  EMC CORP                    COMMON          0268648102      329     4274 SH       OTHER            002        0        0    4274
D  EMC CORP                    COMMON          0268648102      319     4140 SH       DEFINED          002        0     4140       0
D  EMC CORP.                   COMMON          0268648102     1239    12500 SH       SOLE             001    12500        0       0
D  EMERSON ELEC CO             COMMON          0291011104     1996    29790 SH       DEFINED          001    29790        0       0
D  EMERSON ELEC CO             COMMON          0291011104     1537    22934 SH       OTHER            001    22334        0     600
D  EMERSON ELEC CO             COMMON          0291011104     1340    20000 SH       SOLE             001    20000        0       0
D  EMERSON ELEC CO             COMMON          0291011104      260     4300 SH       OTHER            002        0        0    4300
D  EMERSON ELEC CO             COMMON          0291011104      512     8488 SH       DEFINED          002        0     8488       0
D  EMUSIC.COM INC              COMMON          0292476108       48    20000 SH       DEFINED          002        0    20000       0
D  ENERGY EAST CORP            COMMON          029266M109       48     2115 SH       DEFINED          001      883        0    1232
D  ENERGY EAST CORP            COMMON          029266M109       12      535 SH       OTHER            001      535        0       0
D  ENRON CORP                  COMMON          0293561106     2612    29805 SH       DEFINED          001    29805        0       0
D  ENRON CORP                  COMMON          0293561106      745     8500 SH       OTHER            001     8500        0       0
D  ENRON CORP                  COMMON          0293561106     1314    15000 SH       SOLE             001    15000        0       0
D  ENRON CORP                  COMMON          0293561106      194     3000 SH       OTHER            002        0        0    3000
D  ENRON CORP                  COMMON          0293561106      971    15050 SH       DEFINED          002        0    15050       0
D  EQUIFAX INC                 COMMON          0294429105       11      400 SH       DEFINED          001      400        0       0
D  EQUITY INCOME FUND (AT&T)   COMMON          0294700703      244     1400 SH       DEFINED          002        0     1400       0
D  EQUITY OFFICE PPTYS TR      COMMON          0294741103       62     2000 SH       DEFINED          001     2000        0       0
D  EQUITY OFFICE PPTYS TR      COMMON          0294741103       37     1200 SH       OTHER            001     1200        0       0
D  EXODUS COMMUNICATIONS INC   COMMON          0302088109      668    13525 SH       DEFINED          001    13525        0       0
D  EXODUS COMMUNICATIONS INC   COMMON          0302088109      212     4300 SH       OTHER            001     3900        0     400
D  EXXON MOBIL CORP            COMMON          030231G102     8092    90798 SH       DEFINED          001    88226        0    2572
D  EXXON MOBIL CORP            COMMON          030231G102     5077    56970 SH       OTHER            001    56698        0     272
D  EXXON MOBIL CORP            COMMON          030231G102     5416    68998 SH       OTHER            002        0        0   68998
D  EXXON MOBIL CORP            COMMON          030231G102     7541    96067 SH       DEFINED          002        0    96067       0
D  EXXON MOBIL CORP.           COMMON          030231G102     2228    25000 SH       SOLE             001    25000        0       0
D  FANNIE MAE                  COMMON          0313586109     4798    67111 SH       DEFINED          001    67111        0       0
D  FANNIE MAE                  COMMON          0313586109     2747    38425 SH       OTHER            001    38425        0       0
D  FANNIE MAE                  COMMON          0313586109      207     3950 SH       OTHER            002        0        0    3950
D  FANNIE MAE                  COMMON          0313586109      432     8257 SH       DEFINED          002        0     8257       0
D  FEDERAL HOME LN MTG CORP    COMMON          0313400301       49      900 SH       DEFINED          001      900        0       0
D  FEDERAL RLTY INVT TR        COMMON          0313747206        7      350 SH       OTHER            001      350        0       0
D  FEDERATED DEPT. STORES      COMMON          031410H101     1045    40000 SH       SOLE             001    40000        0       0
D  FEDEX CORP                  COMMON          031428X106     2372    53495 SH       DEFINED          001    53495        0       0
D  FEDEX CORP                  COMMON          031428X106      508    11450 SH       OTHER            001    11450        0       0
D  FEDEX CORP                  COMMON          031428X106      148     3900 SH       OTHER            002        0        0    3900
D  FEDEX CORP                  COMMON          031428X106      841    22119 SH       DEFINED          002        0    22119       0
D  FIFTH THIRD BANCORP         COMMON          0316773100       24      450 SH       DEFINED          001      450        0       0
D  FIRST DATA CORP             COMMON          0319963104       12      300 SH       DEFINED          001      300        0       0
D  FIRST DATA CORP             COMMON          0319963104      372     7500 SH       OTHER            002        0        0    7500
D  FIRST DATA CORP             COMMON          0319963104     1251    25210 SH       DEFINED          002        0    25210       0
D  FIRST INTL BANCORP INC      COMMON          032054Q100       73    10000 SH       DEFINED          001    10000        0       0
D  FIRST LITCHFIELD FINANCIAL  COMMON          0320724107      231    19237 SH       DEFINED          002        0    19237       0
D  FIRST UNION CORP            COMMON          0337358105       14      432 SH       SOLE             001      432        0       0
D  FIRST UNION CORP            COMMON          0337358105       91     2838 SH       DEFINED          001     2838        0       0
D  FIRST UNION CORP            COMMON          0337358105      104     3234 SH       OTHER            001     3234        0       0
D  FIRST UNION CORP            COMMON          0337358105      396    15951 SH       OTHER            002        0        0   15951
D  FIRST UNION CORP            COMMON          0337358105       19      766 SH       DEFINED          002        0      766       0
D  FIRST UNION CORP            COMMON          0337358105       14      432 SH       SOLE                      432        0       0
D  FIRSTAR CORP NEW WIS        COMMON          033763V109       42     1865 SH       OTHER            001     1865        0       0
D  FLEET BOSTON FINANCIAL      COMMON          0339030108     1584    40614 SH       SOLE             001    40614        0       0
D  FLEET BOSTON FINANCIAL      COMMON          0339030108     5475   140396 SH       DEFINED          001   140046        0     350
D  FLEET BOSTON FINANCIAL      COMMON          0339030108     1465    37564 SH       OTHER            001    37564        0       0
D  FLEET BOSTON FINANCIAL      COMMON          0339030108      302     8872 SH       OTHER            002        0        0    8872
D  FLEET BOSTON FINANCIAL      COMMON          0339030108     1514    44531 SH       DEFINED          002        0    44531       0
D  FLEET BOSTON FINANCIAL      COMMON          0339030108       24      614 SH       SOLE                      614        0       0
D  FLORIDA PROGRESS CORP       COMMON          0341109106        9      165 SH       DEFINED          001      165        0       0
D  FLORIDA PROGRESS CORP       COMMON          0341109106       14      300 SH       OTHER            002        0        0     300
D  FLORIDA PROGRESS CORP       COMMON          0341109106      390     8315 SH       DEFINED          002        0     8315       0
D  FLOWERS INDUSTRIES INC.     COMMON          0343496105      390    20000 SH       SOLE             001    20000        0       0
D  FORD MOTOR CO               COMMON          0345370860      114     4523 SH       DEFINED          001     4523        0       0
D  FORD MOTOR CO               COMMON          0345370860      367    14496 SH       OTHER            001    14496        0       0
D  FORD MOTOR CO               COMMON          0345370100      844    19629 SH       OTHER            002        0        0   19629
D  FORD MOTOR CO               COMMON          0345370100      642    14934 SH       DEFINED          002        0    14934       0
D  FORTUNE BRANDS INC          COMMON          0349631101      530    20000 SH       SOLE             001    20000        0       0
D  FORTUNE BRANDS INC          COMMON          0349631101       94     3532 SH       DEFINED          001     3532        0       0
D  FORTUNE BRANDS INC          COMMON          0349631101       85     3200 SH       OTHER            001     3200        0       0
D  FPL GROUP INC               COMMON          0302571104     2031    30894 SH       DEFINED          001    30769        0     125
D  FPL GROUP INC               COMMON          0302571104      860    13079 SH       OTHER            001    13079        0       0
D  FPL GROUP INC               COMMON          0302571104      215     4324 SH       DEFINED          002        0     4324       0
D  FRANKLIN RES INC            COMMON          0354613101       16      350 SH       DEFINED          001      350        0       0
D  FRANKLIN RESOURCES          COMMON          0354613101     1333    30000 SH       SOLE             001    30000        0       0
D  FREDDIE MAC                 COMMON          0313400301      811    15000 SH       SOLE             001    15000        0       0
D  FRESENIUS MED CARE          COMMON          0358029106        1       44 SH       DEFINED          001       44        0       0
D  FRONTLINE CAP GROUP         COMMON          035921N101       13      800 SH       DEFINED          001      800        0       0
D  FUELCELL ENERGY INC         COMMON          035952H106      457     6620 SH       DEFINED          002        0     6620       0
D  GANNETT INC                 COMMON          0364730101       34      650 SH       DEFINED          001      650        0       0
D  GANNETT INC                 COMMON          0364730101      191     3600 SH       OTHER            001     3600        0       0
D  GENENTECH INC               COMMON          0368710406       93      500 SH       DEFINED          001      500        0       0
D  GENERAL AMERICAN INVESTORS  COMMON          0368802104      254     6492 SH       OTHER            002        0        0    6492
D  GENERAL DYNAMICS CORP       COMMON          0369550108      276     4400 SH       DEFINED          001     4400        0       0
D  GENERAL DYNAMICS CORP       COMMON          0369550108       38      600 SH       OTHER            001      600        0       0
D  GENERAL ELECTRIC CO         COMMON          0369604103    15203   263536 SH       DEFINED          001   263161        0     375
D  GENERAL ELECTRIC CO         COMMON          0369604103    10953   189866 SH       OTHER            001   189866        0       0
D  GENERAL ELECTRIC CO         COMMON          0369604103     4903    85000 SH       SOLE             001    85000        0       0
D  GENERAL ELECTRIC CO         COMMON          0369604103     7662   146300 SH       OTHER            002        0        0  146300
D  GENERAL ELECTRIC CO         COMMON          0369604103    15086   288030 SH       DEFINED          002        0   288030       0
D  GENERAL MAGIC INC           COMMON          0370253106        6     1000 SH       DEFINED          001     1000        0       0
D  GENERAL MOTORS CORP         COMMON          0370442105      535     8234 SH       DEFINED          001     8234        0       0
D  GENERAL MOTORS CORP         COMMON          0370442105      160     2459 SH       OTHER            001     2459        0       0
D  GENERAL MOTORS CORP         COMMON          0370442105      298     5142 SH       OTHER            002        0        0    5142
D  GENERAL MOTORS CORP         COMMON          0370442105      192     3312 SH       DEFINED          002        0     3312       0
D  GENERAL MTRS CORP CL H NEW  COMMON          0370442832       11      300 SH       DEFINED          001      300        0       0
D  GENERAL MTRS CORP CL H NEW  COMMON          0370442832       58     1548 SH       OTHER            001     1548        0       0
D  GENRAD INC                  COMMON          0372447102       44     4000 SH       OTHER            001     4000        0       0
D  GENUINE PARTS CO            COMMON          0372460105       21     1125 SH       OTHER            001     1125        0       0
D  GEORGIA PAC CORP            COMMON          0373298108        3      125 SH       DEFINED          001      125        0       0
D  GEORGIA PAC CORP            COMMON          0373298108       20      872 SH       OTHER            001      872        0       0
D  GERBER SCIENTIFIC INC       COMMON          0373730100        3      400 SH       OTHER            001      400        0       0
D  GILLETTE CO                 COMMON          0375766102     1081    35000 SH       SOLE             001    35000        0       0
D  GILLETTE CO                 COMMON          0375766102     1170    37905 SH       DEFINED          001    37905        0       0
D  GILLETTE CO                 COMMON          0375766102      446    14445 SH       OTHER            001    14445        0       0
D  GILLETTE CO                 COMMON          0375766102      594    17000 SH       OTHER            002        0        0   17000
D  GILLETTE CO                 COMMON          0375766102      852    24400 SH       DEFINED          002        0    24400       0
D  GLAXO WELLCOME PLC          COMMON          037733W105      907    15000 SH       SOLE             001    15000        0       0
D  GLAXO WELLCOME PLC          COMMON          037733W105        8      125 SH       DEFINED          001      125        0       0
D  GLAXO WELLCOME PLC          COMMON          037733W105       85     1400 SH       OTHER            001     1400        0       0
D  GLAXO WELLCOME PLC          COMMON          037733W105     1125    19455 SH       OTHER            002        0        0   19455
D  GLAXO WELLCOME PLC          COMMON          037733W105     1057    18280 SH       DEFINED          002        0    18280       0
D  GLOBAL CROSSING LTD         COMMON          0G3921A100      147     4750 SH       DEFINED          001     4750        0       0
D  GLOBAL CROSSING LTD         COMMON          0G3921A100       73     2340 SH       OTHER            001     2340        0       0
D  GLOBAL CROSSING LTD.        COMMON          0G3921A100      620    20000 SH       SOLE             001    20000        0       0
D  GOLDEN WEST FINANCIAL CORP  COMMON          0381317106      367     9000 SH       OTHER            002        0        0    9000
D  GOODYEAR TIRE & RUBR CO     COMMON          0382550101        6      354 SH       DEFINED          001      354        0       0
D  GPU INC                     COMMON          036225X100       39     1205 SH       OTHER            001     1205        0       0
D  GRACE W R & CO DEL NEW      COMMON          038388F108        1      168 SH       DEFINED          001      168        0       0
D  GRANT PRIDECO INC           COMMON          038821G101       16      730 SH       OTHER            001      730        0       0
D  GREAT AMERN FINL RES INC    COMMON          0389915109        1       66 SH       OTHER            001       66        0       0
D  GREAT LAKES CHEM CORP       COMMON          0390568103       62     2100 SH       OTHER            001     2100        0       0
D  HALLIBURTON CO              COMMON          0406216101       15      300 SH       DEFINED          001        0        0     300
D  HALLIBURTON CO              COMMON          0406216101      128     2610 SH       OTHER            001     2610        0       0
D  HALLIBURTON CO              COMMON          0406216101      736    15600 SH       OTHER            002        0        0   15600
D  HALLIBURTON CO              COMMON          0406216101     1473    31220 SH       DEFINED          002        0    31220       0
D  HANCOCK JOHN FINL SVCS INC  COMMON          041014S106       13      500 SH       OTHER            001      500        0       0
D  HANOVER COMPRESSOR CO       COMMON          0410768105      132     4000 SH       OTHER            001     4000        0       0
D  HARLEY DAVIDSON INC         COMMON          0412822108       38      800 SH       DEFINED          001      400        0     400
D  HARRAHS ENTMT INC           COMMON          0413619107        2       60 SH       DEFINED          001       60        0       0
D  HARTFORD FINANCL SVCS GRP I COMMON          0416515104       72      983 SH       DEFINED          001      983        0       0
D  HARTFORD FINANCL SVCS GRP I COMMON          0416515104       15      200 SH       OTHER            001      200        0       0
D  HARTFORD FINANCL SVCS GRP I COMMON          0416515104      145     2592 SH       OTHER            002        0        0    2592
D  HARTFORD FINANCL SVCS GRP I COMMON          0416515104      213     3800 SH       DEFINED          002        0     3800       0
D  HEALTHSOUTH CORP.           COMMON          0421924101      325    40000 SH       SOLE             001    40000        0       0
D  HEINZ H J CO COM            COMMON          0423074103       98     2650 SH       DEFINED          001     2650        0       0
D  HEINZ H J CO COM            COMMON          0423074103       94     2525 SH       OTHER            001     2525        0       0
D  HEINZ H J CO COM            COMMON          0423074103      495    11325 SH       OTHER            002        0        0   11325
D  HEINZ H J CO COM            COMMON          0423074103      340     7775 SH       DEFINED          002        0     7775       0
D  HERCULES INC                COMMON          0427056106       21     1500 SH       DEFINED          001     1500        0       0
D  HEWLETT PACKARD CO          COMMON          0428236103     1358    14000 SH       SOLE             001    14000        0       0
D  HEWLETT PACKARD CO          COMMON          0428236103     6258    64515 SH       DEFINED          001    64390        0     125
D  HEWLETT PACKARD CO          COMMON          0428236103     1957    20180 SH       OTHER            001    19880        0     300
D  HEWLETT PACKARD CO          COMMON          0428236103     1392    11150 SH       OTHER            002        0        0   11150
D  HEWLETT PACKARD CO          COMMON          0428236103     5179    41471 SH       DEFINED          002        0    41471       0
D  HILLENBRAND INDS INC        COMMON          0431573104        4      100 SH       DEFINED          001      100        0       0
D  HILLENBRAND INDS INC        COMMON          0431573104       34      750 SH       OTHER            001      750        0       0
D  HILTON HOTELS CORP          COMMON          0432848109       12     1032 SH       DEFINED          001     1032        0       0
D  HOME DEPOT INC              COMMON          0437076102      796    15000 SH       SOLE             001    15000        0       0
D  HOME DEPOT INC              COMMON          0437076102     4179    78756 SH       DEFINED          001    78756        0       0
D  HOME DEPOT INC              COMMON          0437076102     2180    41085 SH       OTHER            001    40585        0     500
D  HOME DEPOT INC              COMMON          0437076102     1085    21729 SH       OTHER            002        0        0   21729
D  HOME DEPOT INC              COMMON          0437076102     3426    68610 SH       DEFINED          002        0    68610       0
D  HOMESTAKE MINING CO         COMMON          0437614100       69    10000 SH       DEFINED          002        0    10000       0
D  HONEYWELL INTERNATIONAL INC COMMON          0438516106      534    15000 SH       SOLE             001    15000        0       0
D  HONEYWELL INTERNATIONAL INC COMMON          0438516106       82     2300 SH       DEFINED          001     2300        0       0
D  HONEYWELL INTERNATIONAL INC COMMON          0438516106      119     3349 SH       OTHER            001     3349        0       0
D  HONEYWELL INTERNATIONAL INC COMMON          0438516106       97     2882 SH       OTHER            002        0        0    2882
D  HONEYWELL INTERNATIONAL INC COMMON          0438516106      335     9950 SH       DEFINED          002        0     9950       0
D  HORMEL FOODS CORP           COMMON          0440452100       33     2000 SH       DEFINED          001     2000        0       0
D  HOSPITALITY PROPERTIES TRUS COMMON          044106M102       10      437 SH       DEFINED          001      437        0       0
D  HOSPITALITY PROPERTIES TRUS COMMON          044106M102      372    16500 SH       OTHER            002        0        0   16500
D  HOSPITALITY PROPERTIES TRUS COMMON          044106M102      944    41833 SH       DEFINED          002        0    41833       0
D  HOUSEHOLD INTL INC          COMMON          0441815107       32      570 SH       DEFINED          001      570        0       0
D  HSB GROUP INC               COMMON          040428N109      752    24145 SH       OTHER            002        0        0   24145
D  HSB GROUP INC               COMMON          040428N109     1359    43652 SH       DEFINED          002        0    43652       0
D  HUBBELL INC CLASS A         COMMON          0443510102      376    16000 SH       OTHER            001    16000        0       0
D  HUBBELL INC CLASS B         COMMON          0443510201      318    12683 SH       DEFINED          001    12683        0       0
D  HUBBELL INC CLASS B         COMMON          0443510201      240     9589 SH       OTHER            001     9514        0      75
D  HUDSON UNITED BANCORP       COMMON          0444165104      136     4935 SH       DEFINED          001     4935        0       0
D  HUDSON UNITED BANCORP       COMMON          0444165104        3      103 SH       SOLE             001      103        0       0
D  HUDSON UNITED BANCORP       COMMON          0444165104      234    10421 SH       DEFINED          002        0    10421       0
D  HUNTINGTON BANCSHARES INC   COMMON          0446150104       12      785 SH       DEFINED          001      785        0       0
D  IBM                         COMMON          0459200101     2812    25000 SH       SOLE             001    25000        0       0
D  IBM                         COMMON          0459200101     6126    54455 SH       DEFINED          001    54455        0       0
D  IBM                         COMMON          0459200101     3875    34447 SH       OTHER            001    33947        0     500
D  IDACORP INC                 COMMON          0451107106       23      500 SH       OTHER            001      500        0       0
D  ILLINOIS TOOL WKS INC       COMMON          0452308109       10      174 SH       OTHER            001      174        0       0
D  IMATION CORP                COMMON          045245A107        2      100 SH       OTHER            001      100        0       0
D  IMC GLOBAL                  COMMON          0449669100      870    60000 SH       SOLE             001    60000        0       0
D  IMC GLOBAL INC WT           OTHER           0449669118        0      366 SH       DEFINED          001    N.A.      N.A.    N.A.
D  IMMUNEX CORP                COMMON          0452528102      282     5700 SH       OTHER            002        0        0    5700
D  IMMUNEX CORP                COMMON          0452528102     2398    48500 SH       DEFINED          002        0    48500       0
D  IMS HEALTH INC              COMMON          0449934108      191     9200 SH       OTHER            001     9200        0       0
D  IMS HEALTH INC              COMMON          0449934108      489    27180 SH       OTHER            002        0        0   27180
D  IMS HEALTH INC              COMMON          0449934108      234    13000 SH       DEFINED          002        0    13000       0
D  INDIGO N.V. WARRANTS    EXP OTHER           0N44495120        0       21 SH       DEFINED          001    N.A.      N.A.    N.A.
D  INGERSOLL-RAND CO           COMMON          0456866102      339    10000 SH       SOLE             001    10000        0       0
D  INGERSOLL-RAND CO           COMMON          0456866102       77     1920 SH       OTHER            002        0        0    1920
D  INGERSOLL-RAND CO           COMMON          0456866102      760    18870 SH       DEFINED          002        0    18870       0
D  INTEL CORP                  COMMON          0458140100     8556   205858 SH       DEFINED          001   205558        0     300
D  INTEL CORP                  COMMON          0458140100     4330   104177 SH       OTHER            001   104002        0     175
D  INTEL CORP                  COMMON          0458140100     1763    13190 SH       OTHER            002        0        0   13190
D  INTEL CORP                  COMMON          0458140100     3110    23266 SH       DEFINED          002        0    23266       0
D  INTEL CORP.                 COMMON          0458140100     2494    60000 SH       SOLE             001    60000        0       0
D  INTERNATIONAL FLAVORS & FRA COMMON          0459506101       20     1100 SH       OTHER            001     1100        0       0
D  INTERNATIONAL PAPER CO      COMMON          0460146103        7      250 SH       DEFINED          001      250        0       0
D  INTERNAT'L BUSN'S MACH CORP COMMON          0459200101     7037    64229 SH       OTHER            002        0        0   64229
D  INTERNAT'L BUSN'S MACH CORP COMMON          0459200101     3360    30666 SH       DEFINED          002        0    30666       0
D  INTERPUBLIC GROUP CO        COMMON          0460690100     1161    27000 SH       OTHER            002        0        0   27000
D  INTUIT                      COMMON          0461202103       19      330 SH       OTHER            001      330        0       0
D  INVESCO GLOBAL HEALTH SCI F COMMON          046128N109       55     3009 SH       OTHER            002        0        0    3009
D  INVESCO GLOBAL HEALTH SCI F COMMON          046128N109      195    10777 SH       DEFINED          002        0    10777       0
D  ISHARES TRUST S&P MIDCAP 40 COMMON          0464287507     3762    35000 SH       SOLE             001    35000        0       0
D  ITT INDS INC                COMMON          0450911102        3      105 SH       DEFINED          001      105        0       0
D  JDS UNIPHASE CORP           COMMON          046612J101     1079    11400 SH       DEFINED          001    11400        0       0
D  JDS UNIPHASE CORP           COMMON          046612J101      275     2900 SH       OTHER            001     2900        0       0
D  JOHN HANCOCK BK&THRFT OPTY  COMMON          0409735107      225    33600 SH       OTHER            002        0        0   33600
D  JOHN HANCOCK BK&THRFT OPTY  COMMON          0409735107      298    44532 SH       DEFINED          002        0    44532       0
D  JOHNSON & JOHNSON           COMMON          0478160104     6823    72630 SH       DEFINED          001    72455        0     175
D  JOHNSON & JOHNSON           COMMON          0478160104     2577    27438 SH       OTHER            001    27438        0       0
D  JOHNSON & JOHNSON           COMMON          0478160104      939    10000 SH       SOLE             001    10000        0       0
D  JOHNSON & JOHNSON           COMMON          0478160104     3408    33455 SH       OTHER            002        0        0   33455
D  JOHNSON & JOHNSON           COMMON          0478160104     3740    36713 SH       DEFINED          002        0    36713       0
D  JOHNSON CTLS INC            COMMON          0478366107      134     2520 SH       OTHER            001     2520        0       0
D  JONES APPAREL GROUP INC     COMMON          0480074103       27     1000 SH       DEFINED          001     1000        0       0
D  K MART CORP                 COMMON          0482584109        5      900 SH       OTHER            001      900        0       0
D  KAMAN CORP                  COMMON          0483548103       25     2001 SH       OTHER            001     2001        0       0
D  KEANE INC                   COMMON          0486665102       73     4200 SH       OTHER            001     4200        0       0
D  KELLOGG CO                  COMMON          0487836108       24     1000 SH       OTHER            001     1000        0       0
D  KERR MCGEE CORP CONV 7.500% COMMON          0492386AL1       10    10000 PRN      DEFINED          001    N.A.      N.A.    N.A.
D  KEYCORP NEW                 COMMON          0493267108      892    35240 SH       SOLE             001    35240        0       0
D  KEYCORP NEW                 COMMON          0493267108       37     1446 SH       OTHER            001     1446        0       0
D  KEYCORP NEW                 COMMON          0493267108        6      240 SH       SOLE                      240        0       0
D  KIMBERLY CLARK CORP         COMMON          0494368103     3783    67773 SH       DEFINED          001    67573        0     200
D  KIMBERLY CLARK CORP         COMMON          0494368103     1109    19873 SH       OTHER            001    19873        0       0
D  KIMBERLY-CLARK CORP         COMMON          0494368103       74     1293 SH       OTHER            002        0        0    1293
D  KIMBERLY-CLARK CORP         COMMON          0494368103     1142    19900 SH       DEFINED          002        0    19900       0
D  KIMCO RLTY CORP             COMMON          049446R109       85     2000 SH       DEFINED          001     2000        0       0
D  KNIGHT RIDDER               COMMON          0499040103       30      600 SH       OTHER            001      600        0       0
D  KOPIN CORP                  COMMON          0500600101       11      600 SH       OTHER            001      600        0       0
D  KOPIN CORP                  COMMON          0500600101      623     9000 SH       OTHER            002        0        0    9000
D  KOPIN CORP                  COMMON          0500600101      831    12000 SH       DEFINED          002        0    12000       0
D  KRONOS INC                  COMMON          0501052104       30     1000 SH       OTHER            001     1000        0       0
D  LEHMAN BROS HLDGS INC       COMMON          0524908100       18      120 SH       OTHER            001      120        0       0
D  LEVEL 3 COMMUNICATIONS INC  COMMON          052729N100        8      100 SH       DEFINED          001      100        0       0
D  LILLY ELI & CO              COMMON          0532457108      811    10000 SH       SOLE             001    10000        0       0
D  LILLY ELI & CO              COMMON          0532457108      389     4792 SH       DEFINED          001     4792        0       0
D  LILLY ELI & CO              COMMON          0532457108     1489    18352 SH       OTHER            001    18352        0       0
D  LILLY ELI & CO              COMMON          0532457108      128     1286 SH       OTHER            002        0        0    1286
D  LILLY ELI & CO              COMMON          0532457108     2425    24280 SH       DEFINED          002        0    24280       0
D  LINEAR TECHNOLOGY CORP      COMMON          0535678106       65     1000 SH       DEFINED          001     1000        0       0
D  LOCKHEED MARTIN CORP        COMMON          0539830109       20      600 SH       DEFINED          001      600        0       0
D  LOEWS CORP                  COMMON          0540424108      204     3400 SH       OTHER            002        0        0    3400
D  LOEWS CORP                  COMMON          0540424108       90     1500 SH       DEFINED          002        0     1500       0
D  LORAL SPACE & COMMUNICATION COMMON          0G56462107       16     2600 SH       DEFINED          001     2600        0       0
D  LORAL SPACE & COMMUNICATION COMMON          0G56462107      123    20000 SH       OTHER            001    20000        0       0
D  LOUISIANA PACIFIC CORP      COMMON          0546347105       18     2000 SH       DEFINED          001     2000        0       0
D  LOWES COS INC               COMMON          0548661107      546    12165 SH       DEFINED          001    12165        0       0
D  LOWES COS INC               COMMON          0548661107      117     2600 SH       OTHER            001     2600        0       0
D  LSI LOGIC                   COMMON          0502161102      439    15000 SH       SOLE             001    15000        0       0
D  LUCENT TECHNOLOGIES INC     COMMON          0549463107      840    27500 SH       SOLE             001    27500        0       0
D  LUCENT TECHNOLOGIES INC     COMMON          0549463107     5088   166478 SH       DEFINED          001   164918        0    1560
D  LUCENT TECHNOLOGIES INC     COMMON          0549463107     1688    55245 SH       OTHER            001    54799        0     446
D  LUCENT TECHNOLOGIES INC     COMMON          0549463107     1214    20669 SH       OTHER            002        0        0   20669
D  LUCENT TECHNOLOGIES INC     COMMON          0549463107     2462    41906 SH       DEFINED          002        0    41906       0
D  MACDERMID INC               COMMON          0554273102      714    30400 SH       OTHER            002        0        0   30400
D  MACDERMID INC               COMMON          0554273102       42     1800 SH       DEFINED          002        0     1800       0
D  MACK CALI RLTY CORP         COMMON          0554489104       99     3500 SH       DEFINED          001     3500        0       0
D  MACK CALI RLTY CORP         COMMON          0554489104       99     3500 SH       OTHER            001     3500        0       0
D  MATTEL INC                  COMMON          0577081102       74     6593 SH       OTHER            001     6593        0       0
D  MAY DEPARTMENT STORES CO    COMMON          0577778103       21     1008 SH       DEFINED          001     1008        0       0
D  MAYTAG CORP                 COMMON          0578592107       30      950 SH       OTHER            001      950        0       0
D  MAYTAG CORP                 COMMON          0578592107      200     5436 SH       DEFINED          002        0     5436       0
D  MBIA INC                    COMMON          055262C100      626     8800 SH       DEFINED          001     8800        0       0
D  MBIA INC                    COMMON          055262C100      467     9700 SH       OTHER            002        0        0    9700
D  MBIA INC                    COMMON          055262C100     2056    42670 SH       DEFINED          002        0    42670       0
D  MCCORMICK & CO INC COM NON  COMMON          0579780206      136     4579 SH       OTHER            001     4579        0       0
D  MCDONALDS CORP              COMMON          0580135101     2348    77770 SH       DEFINED          001    77770        0       0
D  MCDONALDS CORP              COMMON          0580135101     1121    37150 SH       OTHER            001    37150        0       0
D  MCDONALDS CORP              COMMON          0580135101     1634    49600 SH       OTHER            002        0        0   49600
D  MCDONALDS CORP              COMMON          0580135101     1079    32767 SH       DEFINED          002        0    32767       0
D  MCDONALD'S CORP.            COMMON          0580135101      604    20000 SH       SOLE             001    20000        0       0
D  MCGRAW-HILL COS INC         COMMON          0580645109       51      800 SH       OTHER            001      800        0       0
D  MCGRAW-HILL COS INC         COMMON          0580645109      335     6200 SH       OTHER            002        0        0    6200
D  MCMORAN EXPLORATION CO      COMMON          0582411104        2      181 SH       DEFINED          001      181        0       0
D  MCN ENERGY GROUP INC        COMMON          055267J100      212     9920 SH       OTHER            002        0        0    9920
D  MCN ENERGY GROUP INC        COMMON          055267J100      324    15140 SH       DEFINED          002        0    15140       0
D  MEDIAONE GROUP INC          COMMON          058440J104      364     5494 SH       OTHER            002        0        0    5494
D  MEDIAONE GROUP INC          COMMON          058440J104      778    11745 SH       DEFINED          002        0    11745       0
D  MEDIMMUNE INC               COMMON          0584699102       10      125 SH       DEFINED          001      125        0       0
D  MEDTRONIC INC               COMMON          0585055106      202     3900 SH       DEFINED          001     3900        0       0
D  MEDTRONIC INC               COMMON          0585055106      207     4000 SH       OTHER            001     4000        0       0
D  MEDTRONIC INC               COMMON          0585055106      642    12880 SH       OTHER            002        0        0   12880
D  MEDTRONIC INC               COMMON          0585055106     1670    33527 SH       DEFINED          002        0    33527       0
D  MEDTRONIC INC.              COMMON          0585055106      622    12000 SH       SOLE             001    12000        0       0
D  MELLON FINANCIAL CORP       COMMON          058551A108       26      550 SH       DEFINED          001      550        0       0
D  MELLON FINANCIAL CORP       COMMON          058551A108     1744    37600 SH       OTHER            001    37600        0       0
D  MELLON FINANCIAL CORP       COMMON          058551A108       28      600 SH       SOLE             001      600        0       0
D  MELLON FINANCIAL CORP       COMMON          058551A108      146     4000 SH       OTHER            002        0        0    4000
D  MELLON FINANCIAL CORP       COMMON          058551A108      151     4136 SH       DEFINED          002        0     4136       0
D  MELLON FINANCIAL CORP       COMMON          058551A108       28      600 SH       SOLE                      600        0       0
D  MERCK & COMPANY INC         COMMON          0589331107     1861    25000 SH       SOLE             001    25000        0       0
D  MERCK & COMPANY INC         COMMON          0589331107     6088    81789 SH       DEFINED          001    81789        0       0
D  MERCK & COMPANY INC         COMMON          0589331107     5028    67540 SH       OTHER            001    66790        0     750
D  MERCK & COMPANY INC         COMMON          0589331107     2047    26710 SH       OTHER            002        0        0   26710
D  MERCK & COMPANY INC         COMMON          0589331107     3025    39482 SH       DEFINED          002        0    39482       0
D  MERCURY COMPUTER SYS INC    COMMON          0589378108      334    12000 SH       OTHER            001    12000        0       0
D  MERRILL LYNCH & CO INC      COMMON          0590188108       17      250 SH       OTHER            001      250        0       0
D  MESTEK INC                  COMMON          0590829107       14      872 SH       OTHER            001      872        0       0
D  METLIFE INC                 COMMON          059156R108     1664    63525 SH       DEFINED          001    63525        0       0
D  METLIFE INC                 COMMON          059156R108      962    36725 SH       OTHER            001    34725        0    2000
D  METRICOM INC                COMMON          0591596101       16      625 SH       DEFINED          001        0        0     625
D  MFS MULTIMARKET INCOME TR   COMMON          0552737108       93    15000 SH       DEFINED          001    N.A.      N.A.    N.A.
D  MICROSOFT CORP              COMMON          0594918104     2805    46500 SH       SOLE             001    46500        0       0
D  MICROSOFT CORP              COMMON          0594918104     5347    88655 SH       DEFINED          001    88655        0       0
D  MICROSOFT CORP              COMMON          0594918104     1546    25625 SH       OTHER            001    25125        0     500
D  MICROSOFT CORP              COMMON          0594918104      672     8400 SH       OTHER            002        0        0    8400
D  MICROSOFT CORP              COMMON          0594918104     1687    21090 SH       DEFINED          002        0    21090       0
D  MICROVISION INC WASH        COMMON          0594960106      382    10000 SH       OTHER            001    10000        0       0
D  MILLIPORE CORP              COMMON          0601073109      663     8800 SH       OTHER            002        0        0    8800
D  MILLIPORE CORP              COMMON          0601073109      121     1600 SH       DEFINED          002        0     1600       0
D  MINNESOTA MINING & MFG CO   COMMON          0604059105     2254    24730 SH       DEFINED          001    24730        0       0
D  MINNESOTA MINING & MFG CO   COMMON          0604059105     2096    22997 SH       OTHER            001    22697        0     300
D  MINNESOTA MINING & MFG CO   COMMON          0604059105      236     2850 SH       OTHER            002        0        0    2850
D  MINNESOTA MINING & MFG CO   COMMON          0604059105      557     6740 SH       DEFINED          002        0     6740       0
D  MORGAN GRENFELL SMALLCAP FD COMMON          0617357108      150    11305 SH       OTHER            002        0        0   11305
D  MORGAN J P & CO INC         COMMON          0616880100     1551     9491 SH       DEFINED          001     9491        0       0
D  MORGAN J P & CO INC         COMMON          0616880100     1127     6900 SH       OTHER            001     6800        0     100
D  MORGAN J P & CO INC         COMMON          0616880100     1354    12297 SH       OTHER            002        0        0   12297
D  MORGAN J P & CO INC         COMMON          0616880100     2358    21410 SH       DEFINED          002        0    21410       0
D  MORGAN STANLEY  DEAN WITTER COMMON          0617446448      914    10000 SH       SOLE             001    10000        0       0
D  MORGAN STANLEY  DEAN WITTER COMMON          0617446448       69      752 SH       DEFINED          001      752        0       0
D  MORGAN STANLEY  DEAN WITTER COMMON          0617446448       14      156 SH       OTHER            001      156        0       0
D  MORGAN STANLEY DEAN WITTER  OTHER           061745P874        6      375 SH       OTHER            001    N.A.      N.A.    N.A.
D  MORGAN STANLEY DEAN WITTER  OTHER           061744M104       19     1700 SH       OTHER            001    N.A.      N.A.    N.A.
D  MOTOROLA INC                COMMON          0620076109     1271    45000 SH       SOLE             001    45000        0       0
D  MOTOROLA INC                COMMON          0620076109      415    14675 SH       DEFINED          001    14675        0       0
D  MOTOROLA INC                COMMON          0620076109      162     5750 SH       OTHER            001     5750        0       0
D  MOTOROLA INC                COMMON          0620076109      764    25450 SH       OTHER            002        0        0   25450
D  MOTOROLA INC                COMMON          0620076109     1458    48600 SH       DEFINED          002        0    48600       0
D  NABISCO GROUP HLDG CORP     COMMON          062952P102       10      357 SH       DEFINED          001      357        0       0
D  NASDAQ 100 TR               OTHER           0631100104       18      200 SH       DEFINED          001    N.A.      N.A.    N.A.
D  NATIONAL COMPUTER SYS INC   COMMON          0635519101       26      350 SH       OTHER            001      350        0       0
D  NATIONAL SEMICONDUCTOR      COMMON          0637640103      604    15000 SH       SOLE             001    15000        0       0
D  NAVISTAR INTL CORP NEW      COMMON          063934E108        0        4 SH       DEFINED          001        4        0       0
D  NCR CORP NEW                COMMON          062886E108        1       38 SH       DEFINED          001       38        0       0
D  NCR CORP NEW                COMMON          062886E108        3       71 SH       OTHER            001       71        0       0
D  NEIMAN-MARCUS GROUP INC CL  COMMON          0640204301        3      120 SH       OTHER            001      120        0       0
D  NESTLE S.A. ADR             COMMON          0641069406      361     3600 SH       OTHER            002        0        0    3600
D  NESTLE S.A. ADR             COMMON          0641069406      622     6200 SH       DEFINED          002        0     6200       0
D  NEW YORK TIMES CO           COMMON          0650111107     2003    50939 SH       DEFINED          001    50939        0       0
D  NEW YORK TIMES CO           COMMON          0650111107      486    12350 SH       OTHER            001    12350        0       0
D  NEWMONT MNG CORP            COMMON          0651639106        6      363 SH       OTHER            001      363        0       0
D  NEXTEL COMMUNICATIONS INC C COMMON          065332V103      215     4600 SH       DEFINED          001     4600        0       0
D  NIAGARA MOHAWK HLDGS INC    COMMON          0653520106        6      400 SH       OTHER            001      400        0       0
D  NOKIA CORP                  COMMON          0654902204      478    12000 SH       SOLE             001    12000        0       0
D  NOKIA CORP                  COMMON          0654902204     1843    46300 SH       DEFINED          001    46300        0       0
D  NOKIA CORP                  COMMON          0654902204      387     9725 SH       OTHER            001     9725        0       0
D  NORFOLK & SOUTHERN CORP     COMMON          0655844108       26     1800 SH       OTHER            001     1800        0       0
D  NORFOLK & SOUTHERN CORP     COMMON          0655844108      335    22521 SH       OTHER            002        0        0   22521
D  NORFOLK & SOUTHERN CORP     COMMON          0655844108      142     9575 SH       DEFINED          002        0     9575       0
D  NORTEL NETWORKS CORP        COMMON          0656568102        4       75 SH       DEFINED          001       75        0       0
D  NORTEL NETWORKS CORP        COMMON          0656568102      203     3400 SH       OTHER            001     3400        0       0
D  NORTEL NETWORKS CORP        COMMON          0656568102     1042    17500 SH       SOLE             001    17500        0       0
D  NORTEL NETWORKS CORP        COMMON          0656568102       42      610 SH       OTHER            002        0        0     610
D  NORTEL NETWORKS CORP        COMMON          0656568102     1181    17146 SH       DEFINED          002        0    17146       0
D  NORTHEAST UTILITIES         COMMON          0664397106       67     3107 SH       DEFINED          001     3107        0       0
D  NORTHEAST UTILITIES         COMMON          0664397106       83     3819 SH       OTHER            001     3819        0       0
D  NORTHEAST UTILITIES         COMMON          0664397106       33     1518 SH       OTHER            002        0        0    1518
D  NORTHEAST UTILITIES         COMMON          0664397106      794    36488 SH       DEFINED          002        0    36488       0
D  NORTHERN TRUST CORP         COMMON          0665859104       18      200 SH       OTHER            001      200        0       0
D  NOVELL INC                  COMMON          0670006105      248    25000 SH       SOLE             001    25000        0       0
D  NOVELL INC                  COMMON          0670006105      629    63300 SH       DEFINED          001    62825        0     475
D  NOVELL INC                  COMMON          0670006105       23     2350 SH       OTHER            001     2350        0       0
D  NSTAR                       COMMON          067019E107       24      600 SH       DEFINED          001      600        0       0
D  NSTAR                       COMMON          067019E107       92     2279 SH       OTHER            001     2279        0       0
D  NSTAR                       COMMON          067019E107      402    10000 SH       SOLE             001    10000        0       0
D  NTL INC                     COMMON          0629407107       51     1094 SH       OTHER            001     1094        0       0
D  NUVEEN MUN MKT OPPORTUNITY  OTHER           067062W103      166    12500 SH       OTHER            001    N.A.      N.A.    N.A.
D  NUVEEN PERF PLUS MUN FD INC OTHER           067062P108        6      500 SH       OTHER            001    N.A.      N.A.    N.A.
D  NUVEEN PREM INCOME MUN FD I OTHER           067062T100        3      250 SH       OTHER            001    N.A.      N.A.    N.A.
D  OCCIDENTAL PETROLEUM CORP   COMMON          0674599105       33     1533 SH       DEFINED          001      111        0    1422
D  OCCIDENTAL PETROLEUM CORP   COMMON          0674599105       19      849 SH       OTHER            001      849        0       0
D  OCEANEERING INTL INC        COMMON          0675232102      457    27500 SH       SOLE             001    27500        0       0
D  ONE LIBERTY PPTYS $1.60 CON PREFERRED STOCK 0682406202        7      500 SH       OTHER            001    N.A.      N.A.    N.A.
D  ORACLE CORP                 COMMON          068389X105     4344    55158 SH       DEFINED          001    55158        0       0
D  ORACLE CORP                 COMMON          068389X105     1176    14935 SH       OTHER            001    14935        0       0
D  ORACLE CORP                 COMMON          068389X105     2087    26500 SH       SOLE             001    26500        0       0
D  ORACLE CORP                 COMMON          068389X105     1089    12950 SH       OTHER            002        0        0   12950
D  ORACLE CORP                 COMMON          068389X105     1595    18975 SH       DEFINED          002        0    18975       0
D  OUTBACK STEAKHOUSE INC      COMMON          0689899102       27     1000 SH       DEFINED          001     1000        0       0
D  PAINE WEBBER GROUP INC      COMMON          0695629105      477     7000 SH       OTHER            001     7000        0       0
D  PALM INC                    COMMON          0696642107        8      148 SH       DEFINED          001      148        0       0
D  PARKER HANNIFIN CORP        COMMON          0701094104       10      300 SH       DEFINED          001      300        0       0
D  PE CORP-PE BIOSYSTEMS GROUP COMMON          069332S102     4232    36330 SH       DEFINED          001    36330        0       0
D  PE CORP-PE BIOSYSTEMS GROUP COMMON          069332S102      507     4350 SH       OTHER            001     4350        0       0
D  PECO ENERGY CO COM          COMMON          0693304107        6      100 SH       DEFINED          001      100        0       0
D  PENNEY J C INC              COMMON          0708160106       24     2000 SH       DEFINED          001     2000        0       0
D  PEOPLES BK BRIDGEPORT CONN  COMMON          0710198102      730    34652 SH       DEFINED          001    14744        0   19908
D  PEOPLES BK BRIDGEPORT CONN  COMMON          0710198102      895    42514 SH       OTHER            001        0        0   42514
D  PEOPLES ENERGY CORP         COMMON          0711030106       31      933 SH       OTHER            001      933        0       0
D  PEPSICO INC                 COMMON          0713448108     1840    40000 SH       SOLE             001    40000        0       0
D  PEPSICO INC                 COMMON          0713448108      492    10700 SH       DEFINED          001    10700        0       0
D  PEPSICO INC                 COMMON          0713448108     1064    23124 SH       OTHER            001    23124        0       0
D  PEPSICO INC                 COMMON          0713448108     1873    42152 SH       OTHER            002        0        0   42152
D  PEPSICO INC                 COMMON          0713448108      741    16685 SH       DEFINED          002        0    16685       0
D  PFIZER INC                  COMMON          0717081103     2359    52500 SH       SOLE             001    52500        0       0
D  PFIZER INC                  COMMON          0717081103     6598   146826 SH       DEFINED          001   146826        0       0
D  PFIZER INC                  COMMON          0717081103     3242    72153 SH       OTHER            001    72153        0       0
D  PFIZER INC                  COMMON          0717081103     4932   102742 SH       OTHER            002        0        0  102742
D  PFIZER INC                  COMMON          0717081103     9081   189178 SH       DEFINED          002        0   189178       0
D  PG & E CORP                 COMMON          069331C108       10      400 SH       DEFINED          001        0        0     400
D  PHARMACIA CORPORATION       COMMON          071713U102      191     3173 SH       DEFINED          001     3173        0       0
D  PHARMACIA CORPORATION       COMMON          071713U102      271     4500 SH       OTHER            001     4500        0       0
D  PHARMACIA CORPORATION       COMMON          071713U102     1591    30780 SH       OTHER            002        0        0   30780
D  PHARMACIA CORPORATION       COMMON          071713U102     1822    35251 SH       DEFINED          002        0    35251       0
D  PHELPS DODGE CORP           COMMON          0717265102       33      800 SH       OTHER            001      800        0       0
D  PHILIP MORRIS COMPANIES INC COMMON          0718154107      404    13719 SH       DEFINED          001    13719        0       0
D  PHILIP MORRIS COMPANIES INC COMMON          0718154107      296    10050 SH       OTHER            001    10050        0       0
D  PHILIP MORRIS COMPANIES INC COMMON          0718154107      648    24401 SH       DEFINED          002        0    24401       0
D  PHILLIPS PETE CO            COMMON          0718507106       66     1055 SH       DEFINED          001     1055        0       0
D  PHILLIPS PETE CO            COMMON          0718507106       34      546 SH       OTHER            001      546        0       0
D  PHILLIPS PETROLEUM CO       COMMON          0718507106       96     1900 SH       OTHER            002        0        0    1900
D  PHILLIPS PETROLEUM CO       COMMON          0718507106      213     4200 SH       DEFINED          002        0     4200       0
D  PITNEY BOWES INC            COMMON          0724479100      315     7975 SH       DEFINED          001     7975        0       0
D  PITNEY BOWES INC            COMMON          0724479100      781    19800 SH       OTHER            001    19800        0       0
D  PLC SYS INC                 COMMON          069341D104        1      700 SH       DEFINED          001      700        0       0
D  PLUM CREEK TIMBER CO INC    COMMON          0729251108       85     3250 SH       OTHER            002        0        0    3250
D  PLUM CREEK TIMBER CO INC    COMMON          0729251108      182     7000 SH       DEFINED          002        0     7000       0
D  PNC BANK                    COMMON          0693475105        6      100 SH       SOLE             001      100        0       0
D  PNC BANK                    COMMON          0693475105        6      100 SH       SOLE                      100        0       0
D  POTOMAC ELEC PWR CO         COMMON          0737679100      133     5300 SH       OTHER            001     5300        0       0
D  PPG INDS INC                COMMON          0693506107       82     2055 SH       DEFINED          001     2055        0       0
D  PPL CORP                    COMMON          069351T106      232     5550 SH       DEFINED          001     5550        0       0
D  PPL CORP                    COMMON          069351T106       77     1850 SH       OTHER            001     1650        0     200
D  PRAXAIR INC                 COMMON          074005P104        9      251 SH       DEFINED          001      251        0       0
D  PREMIER NATL BANCORP INC    COMMON          074053F107       13      660 SH       DEFINED          001      660        0       0
D  PRICE T ROWE ASSOC INC      COMMON          0741477103       23      500 SH       DEFINED          001      500        0       0
D  PRIDE INTERNATIONAL         COMMON          0741932107      398    15000 SH       SOLE             001    15000        0       0
D  PROCTER & GAMBLE CO         COMMON          0742718109     4579    68336 SH       DEFINED          001    68336        0       0
D  PROCTER & GAMBLE CO         COMMON          0742718109      863    12875 SH       OTHER            001    12375        0     500
D  PROCTER & GAMBLE CO         COMMON          0742718109      824    14400 SH       OTHER            002        0        0   14400
D  PROCTER & GAMBLE CO         COMMON          0742718109      723    12630 SH       DEFINED          002        0    12630       0
D  PROVIDIAN FINL CORP         COMMON          074406A102       19      150 SH       OTHER            001      150        0       0
D  PUBLIC SVC ENTERPRISE GROUP COMMON          0744573106       18      400 SH       OTHER            001      400        0       0
D  QUAKER OATS CO              COMMON          0747402105      475     6000 SH       OTHER            001     6000        0       0
D  QUALCOMM INC                COMMON          0747525103      417     5850 SH       DEFINED          001     5850        0       0
D  QUALCOMM INC                COMMON          0747525103      784    11000 SH       OTHER            001    11000        0       0
D  QUEST DIAGNOSTICS INC       COMMON          074834L100       11      100 SH       OTHER            001      100        0       0
D  QWEST COMMUNICATIONS INTL I COMMON          0749121109      127     2637 SH       DEFINED          001     1928        0     709
D  QWEST COMMUNICATIONS INTL I COMMON          0749121109       66     1367 SH       OTHER            001     1367        0       0
D  QWEST COMMUNICATIONS INTL I COMMON          0749121109      773    15559 SH       OTHER            002        0        0   15559
D  QWEST COMMUNICATIONS INTL I COMMON          0749121109     1713    34481 SH       DEFINED          002        0    34481       0
D  RAYTHEON CO CL A            COMMON          0755111309        2       74 SH       DEFINED          001       74        0       0
D  RAYTHEON CO CL A            COMMON          0755111309        9      322 SH       OTHER            001      322        0       0
D  RECKSON ASSOCS RLTY CORP    COMMON          075621K106       77     3000 SH       DEFINED          001     3000        0       0
D  RECKSON ASSOCS RLTY CORP    COMMON          075621K106       77     3000 SH       OTHER            001     3000        0       0
D  RELIANT ENERGY INC          COMMON          075952J108      215     4625 SH       DEFINED          001     4625        0       0
D  RELIANT ENERGY INC          COMMON          075952J108      209     4500 SH       OTHER            001     4500        0       0
D  RELIANT ENERGY INC          COMMON          075952J108       44     1450 SH       OTHER            002        0        0    1450
D  RELIANT ENERGY INC          COMMON          075952J108      345    11500 SH       DEFINED          002        0    11500       0
D  REYNOLDS R J TOB HLDGS INC  COMMON          076182K105        5      149 SH       DEFINED          001      149        0       0
D  RF MICRO DEVICES INC        COMMON          0749941100       16      500 SH       OTHER            001      500        0       0
D  RIO TINTO PLC               COMMON          0767204100       60     1000 SH       OTHER            001     1000        0       0
D  ROCKWELL INTERNATIONAL      COMMON          0773903109      605    20000 SH       SOLE             001    20000        0       0
D  ROCKWELL INTERNATIONAL      COMMON          0773903109       12      400 SH       DEFINED          001      400        0       0
D  ROCKWELL INTERNATIONAL      COMMON          0773903109       72     2392 SH       OTHER            001     2392        0       0
D  ROPER INDS INC NEW          COMMON          0776696106      133     4000 SH       DEFINED          001     4000        0       0
D  ROYAL BANK OF SCOTLAND      PREFERRED       0780097861     2369   100000 PRN      SOLE             001   100000        0       0
D  ROYAL BANK OF SCOTLAND PFD  OTHER           0780097853      329    13375 SH       DEFINED          001    N.A.      N.A.    N.A.
D  ROYAL BANK OF SCOTLAND PFD  OTHER           0780097853       90     3650 SH       OTHER            001    N.A.      N.A.    N.A.
D  ROYAL BK SCOTLAND GRP PLCAD OTHER           0780097309       14      560 SH       OTHER            001    N.A.      N.A.    N.A.
D  ROYAL BK SCOTLAND PFD 8.00% OTHER           0780097861       24     1000 SH       DEFINED          001    N.A.      N.A.    N.A.
D  ROYAL BK SCOTLAND PFD 8.00% OTHER           0780097861       71     3000 SH       OTHER            001    N.A.      N.A.    N.A.
D  ROYAL DUTCH PETE CO         COMMON          0780257804      812    13548 SH       DEFINED          001    13548        0       0
D  ROYAL DUTCH PETE CO         COMMON          0780257804      480     8000 SH       OTHER            001     8000        0       0
D  ROYAL DUTCH PETE CO         COMMON          0780257804      309     5020 SH       OTHER            002        0        0    5020
D  ROYAL DUTCH PETE CO         COMMON          0780257804     1281    20800 SH       DEFINED          002        0    20800       0
D  ROYCE VALUE TRUST INC       COMMON          0780910105      593    43707 SH       OTHER            002        0        0   43707
D  ROYCE VALUE TRUST INC       COMMON          0780910105     1286    94784 SH       DEFINED          002        0    94784       0
D  RPM INC OHIO                COMMON          0749685103      139    13725 SH       OTHER            002        0        0   13725
D  RYDER SYS INC               COMMON          0783549108      378    20475 SH       DEFINED          001    20300        0     175
D  RYDER SYS INC               COMMON          0783549108       18      950 SH       OTHER            001      950        0       0
D  S & P 500 DEPOSITARY RECEIP COMMON          078462F103     4740    33000 SH       SOLE             001    33000        0       0
D  SALOMON BROS FD INC         OTHER           0795477108        4      209 SH       OTHER            001    N.A.      N.A.    N.A.
D  SALOMON BROS HIGH INCOME FD OTHER           079547Q106       85     6500 SH       DEFINED          001    N.A.      N.A.    N.A.
D  SANTA CRUZ OPERATION INC    COMMON          0801833104        3     1000 SH       DEFINED          001     1000        0       0
D  SARA LEE CORP               COMMON          0803111103      812    40000 SH       SOLE             001    40000        0       0
D  SARA LEE CORP               COMMON          0803111103      330    16236 SH       OTHER            001    16236        0       0
D  SARA LEE CORP               COMMON          0803111103       10      500 SH       OTHER            002        0        0     500
D  SARA LEE CORP               COMMON          0803111103      685    35700 SH       DEFINED          002        0    35700       0
D  SBC COMMUNICATIONS          COMMON          078387G103     1861    37220 SH       SOLE             001    37220        0       0
D  SBC COMMUNICATIONS          COMMON          078387G103     7055   141105 SH       DEFINED          001   137611        0    3494
D  SBC COMMUNICATIONS          COMMON          078387G103     2716    54322 SH       OTHER            001    54322        0       0
D  SBC COMMUNICATIONS          COMMON          078387G103     1491    34484 SH       OTHER            002        0        0   34484
D  SBC COMMUNICATIONS          COMMON          078387G103     3075    71095 SH       DEFINED          002        0    71095       0
D  SCANA CORP                  COMMON          080589M102       70     2921 SH       OTHER            002        0        0    2921
D  SCANA CORP                  COMMON          080589M102      249    10310 SH       DEFINED          002        0    10310       0
D  SCHERING PLOUGH CORP        COMMON          0806605101     1046    22500 SH       SOLE             001    22500        0       0
D  SCHERING PLOUGH CORP        COMMON          0806605101      146     3146 SH       DEFINED          001     3146        0       0
D  SCHERING PLOUGH CORP        COMMON          0806605101       28      600 SH       OTHER            001      600        0       0
D  SCHERING-PLOUGH CORP        COMMON          0806605101     1667    33000 SH       OTHER            002        0        0   33000
D  SCHERING-PLOUGH CORP        COMMON          0806605101     1192    23600 SH       DEFINED          002        0    23600       0
D  SCHLUMBERGER LTD            COMMON          0806857108     3864    46942 SH       DEFINED          001    46942        0       0
D  SCHLUMBERGER LTD            COMMON          0806857108     1714    20825 SH       OTHER            001    20725        0     100
D  SCHLUMBERGER LTD            COMMON          0806857108     1095    14670 SH       OTHER            002        0        0   14670
D  SCHLUMBERGER LTD            COMMON          0806857108      511     6850 SH       DEFINED          002        0     6850       0
D  SCHWAB CHARLES CORP         COMMON          0808513105       50     1500 SH       OTHER            002        0        0    1500
D  SCHWAB CHARLES CORP         COMMON          0808513105      244     7242 SH       DEFINED          002        0     7242       0
D  SCOTTISH PWR PLC            COMMON          081013T705       15      510 SH       OTHER            001      510        0       0
D  SEALED AIR CORP             COMMON          081211K100      792    17500 SH       SOLE             001    17500        0       0
D  SEARS ROEBUCK & CO          COMMON          0812387108       11      338 SH       DEFINED          001      338        0       0
D  SEARS ROEBUCK & CO          COMMON          0812387108        3      100 SH       OTHER            001      100        0       0
D  SEMICONDUCTORS HOLDRS TR.   COMMON          0816636203      533     7500 SH       SOLE             001     7500        0       0
D  SERVICEMASTER CO            COMMON          081760N109      548    48147 SH       OTHER            002        0        0   48147
D  SHAW INDS INC               COMMON          0820286102        4      225 SH       OTHER            001      225        0       0
D  SHELL TRANSPORT & TRADING   COMMON          0822703609     1223    25000 SH       SOLE             001    25000        0       0
D  SHERWIN WILLIAMS CO         COMMON          0824348106      266    12425 SH       OTHER            001    12425        0       0
D  SHOP AT HOME INC            COMMON          0825066301        4     1500 SH       DEFINED          001     1500        0       0
D  SIERRA PAC RES NEW          COMMON          0826428104       12      678 SH       OTHER            001      678        0       0
D  SIGMA-ALDRICH CORP          COMMON          0826552101      114     3900 SH       OTHER            002        0        0    3900
D  SIGMA-ALDRICH CORP          COMMON          0826552101      181     6200 SH       DEFINED          002        0     6200       0
D  SILICON VY GROUP INC        COMMON          0827066101        7      256 SH       DEFINED          001      256        0       0
D  SIMON PPTY GROUP INC NEW    COMMON          0828806109       30     1300 SH       DEFINED          001     1300        0       0
D  SIMON PPTY GROUP INC NEW    COMMON          0828806109       47     2000 SH       OTHER            001     2000        0       0
D  SMITHFIELD FOODS            COMMON          0832248108      131     5000 SH       SOLE             001     5000        0       0
D  SMITHKLINE BEECHAM PLC ADR  COMMON          0832378301       55      800 SH       DEFINED          001      800        0       0
D  SMITHKLINE BEECHAM PLC ADR  COMMON          0832378301       55      800 SH       OTHER            001      800        0       0
D  SOLECTRON CORP              COMMON          0834182107       18      400 SH       DEFINED          001      400        0       0
D  SOLECTRON CORP              COMMON          0834182107       46     1000 SH       OTHER            001     1000        0       0
D  SOUTHERN CO                 COMMON          0842587107     1445    44562 SH       DEFINED          001    44562        0       0
D  SOUTHERN CO                 COMMON          0842587107       52     1600 SH       OTHER            001     1600        0       0
D  SOUTHWEST AIRLS CO          COMMON          0844741108     1767    72850 SH       DEFINED          001    72850        0       0
D  SOUTHWEST AIRLS CO          COMMON          0844741108      269    11100 SH       OTHER            001    11100        0       0
D  SPIEKER PPTYS INC           COMMON          0848497103       29      500 SH       DEFINED          001      500        0       0
D  SPRINT CORP COM             COMMON          0852061100      144     4900 SH       DEFINED          001     4900        0       0
D  SPRINT CORP SER 1           COMMON          0852061506      100     2860 SH       DEFINED          001     2860        0       0
D  SPX CORP                    COMMON          0784635104       11       75 SH       DEFINED          001       75        0       0
D  SPX CORP                    COMMON          0784635104       73      511 SH       OTHER            001      511        0       0
D  STANDEX INTERNATIONAL       COMMON          0854231107      869    45000 SH       SOLE             001    45000        0       0
D  STANDEX INTERNATIONAL       COMMON          0854231107      116     6000 SH       OTHER            001     6000        0       0
D  STANLEY WORKS INC           COMMON          0854616109        5      200 SH       OTHER            001      200        0       0
D  STANLEY WORKS INC           COMMON          0854616109      423    17804 SH       OTHER            002        0        0   17804
D  STANLEY WORKS INC           COMMON          0854616109      468    19720 SH       DEFINED          002        0    19720       0
D  STAPLES INC                 COMMON          0855030102     2556   180125 SH       DEFINED          001   180125        0       0
D  STAPLES INC                 COMMON          0855030102      467    32925 SH       OTHER            001    32925        0       0
D  STAPLES INC                 COMMON          0855030102      171    11100 SH       OTHER            002        0        0   11100
D  STAPLES INC                 COMMON          0855030102      646    42029 SH       DEFINED          002        0    42029       0
D  STARBUCKS CORP              COMMON          0855244109      694    17325 SH       DEFINED          001    17325        0       0
D  STARBUCKS CORP              COMMON          0855244109      345     8600 SH       OTHER            001     8600        0       0
D  STARWOOD HOTELS & RESORTS W COMMON          085590A203       32     1038 SH       DEFINED          001     1038        0       0
D  STATE STREET CORP           COMMON          0857477103     5188    39905 SH       DEFINED          001    39830        0      75
D  STATE STREET CORP           COMMON          0857477103      783     6025 SH       OTHER            001     6025        0       0
D  STATE STREET CORP           COMMON          0857477103      467     4400 SH       OTHER            002        0        0    4400
D  STATE STREET CORP           COMMON          0857477103      368     3465 SH       DEFINED          002        0     3465       0
D  STEPAN CO                   COMMON          0858586100       32     1600 SH       OTHER            001     1600        0       0
D  STRATEGIC DISTR INC         COMMON          0862701208       10     6060 SH       DEFINED          001     6060        0       0
D  STRYKER CORP                COMMON          0863667101       34      800 SH       DEFINED          001      800        0       0
D  SUIZA FOODS CORP            COMMON          0865077101      101     2000 SH       OTHER            001     2000        0       0
D  SUMMIT BANCORP              COMMON          0866005101        3      100 SH       SOLE             001      100        0       0
D  SUN MICROSYSTEMS            COMMON          0866810104     1985    17000 SH       SOLE             001    17000        0       0
D  SUN MICROSYSTEMS            COMMON          0866810104     2790    23900 SH       DEFINED          001    23750        0     150
D  SUN MICROSYSTEMS            COMMON          0866810104      365     3125 SH       OTHER            001     3125        0       0
D  SUNTRUST BKS INC            COMMON          0867914103       21      425 SH       DEFINED          001      425        0       0
D  SUPERVALU INC               COMMON          0868536103       12      825 SH       OTHER            001      825        0       0
D  SYNAVANT INC                COMMON          087157A105        3      460 SH       OTHER            001      460        0       0
D  SYSCO CORP                  COMMON          0871829107       46     1000 SH       DEFINED          001     1000        0       0
D  SYSCO CORP                  COMMON          0871829107      701    16650 SH       OTHER            002        0        0   16650
D  SYSCO CORP                  COMMON          0871829107     2466    58543 SH       DEFINED          002        0    58543       0
D  TARGET CORP                 COMMON          087612E106     1881    73400 SH       DEFINED          001    73400        0       0
D  TARGET CORP                 COMMON          087612E106      469    18300 SH       OTHER            001    18300        0       0
D  TECO ENERGY INC             COMMON          0872375100        4      125 SH       DEFINED          001      125        0       0
D  TECO ENERGY INC             COMMON          0872375100       43     1500 SH       OTHER            001     1500        0       0
D  TELEFONICA DE ESPANA SA ADR COMMON          0879382208      169     2636 SH       OTHER            002        0        0    2636
D  TELEFONICA DE ESPANA SA ADR COMMON          0879382208       68     1061 SH       DEFINED          002        0     1061       0
D  TEMPLE-INLAND INC           COMMON          0879868107       41     1080 SH       OTHER            001     1080        0       0
D  TENGASCO INC COM NEW        COMMON          088033R205      176    20000 SH       OTHER            001    20000        0       0
D  TENNECO AUTOMOTIVE INC      COMMON          0880349105        0       60 SH       DEFINED          001       60        0       0
D  TERAYON COMMUNICATION SYS   COMMON          0880775101      204     6000 SH       OTHER            001     6000        0       0
D  TEXACO INC                  COMMON          0881694103     1181    22500 SH       SOLE             001    22500        0       0
D  TEXACO INC                  COMMON          0881694103      315     6000 SH       DEFINED          001     6000        0       0
D  TEXACO INC                  COMMON          0881694103      558    10635 SH       OTHER            001    10635        0       0
D  TEXACO INC                  COMMON          0881694103       91     1706 SH       OTHER            002        0        0    1706
D  TEXACO INC                  COMMON          0881694103      343     6432 SH       DEFINED          002        0     6432       0
D  TEXAS INSTRUMENTS INC       COMMON          0882508104       83     1750 SH       DEFINED          001     1750        0       0
D  TEXAS INSTRUMENTS INC       COMMON          0882508104      196     4160 SH       OTHER            001     4160        0       0
D  TEXAS INSTRUMENTS INC       COMMON          0882508104      708    15000 SH       SOLE             001    15000        0       0
D  TEXAS INSTRUMENTS INC       COMMON          0882508104     1703    24800 SH       OTHER            002        0        0   24800
D  TEXAS INSTRUMENTS INC       COMMON          0882508104     1099    16000 SH       DEFINED          002        0    16000       0
D  TEXTRON INC                 COMMON          0883203101      152     3300 SH       OTHER            001     3300        0       0
D  TEXTRON INC                 COMMON          0883203101      313     5760 SH       DEFINED          002        0     5760       0
D  THE DUN & BRADSTREET CORP   COMMON          026483B106      335    11690 SH       OTHER            002        0        0   11690
D  THE DUN & BRADSTREET CORP   COMMON          026483B106        6      200 SH       DEFINED          002        0      200       0
D  THERMO ELECTRON CORP        COMMON          0883556102       34     1600 SH       OTHER            002        0        0    1600
D  THERMO ELECTRON CORP        COMMON          0883556102      173     8200 SH       DEFINED          002        0     8200       0
D  THOMAS & BETTS CORP         COMMON          0884315102       19     1092 SH       DEFINED          001     1092        0       0
D  THOR INDS INC               COMMON          0885160101      139     6000 SH       OTHER            001     6000        0       0
D  TIME WARNER INC             COMMON          0887315109      358     4580 SH       DEFINED          001     4580        0       0
D  TIME WARNER INC             COMMON          0887315109     1002    12800 SH       OTHER            001    12800        0       0
D  TIME WARNER INC             COMMON          0887315109      796    10468 SH       DEFINED          002        0    10468       0
D  TIME WARNER TELECOM INC     COMMON          0887319101      121     2500 SH       OTHER            001     2500        0       0
D  TIMKEN CO                   COMMON          0887389104       24     1760 SH       OTHER            001     1760        0       0
D  TORCHMARK CORP              COMMON          0891027104      612    24800 SH       DEFINED          002        0    24800       0
D  TORRINGTON WATER CO         COMMON          0891466104     1357    33807 SH       DEFINED          002        0    33807       0
D  TRANSOCEAN SEDCO FOREX,INC  COMMON          0G90078109      110     1877 SH       DEFINED          001     1877        0       0
D  TRANSOCEAN SEDCO FOREX,INC  COMMON          0G90078109       57      980 SH       OTHER            001      980        0       0
D  TRI CONTINENTAL CORP        COMMON          0895436103      169     6692 SH       OTHER            002        0        0    6692
D  TRI CONTINENTAL CORP        COMMON          0895436103       43     1684 SH       DEFINED          002        0     1684       0
D  TRICON GLOBAL RESTAURANTS I COMMON          0895953107       21      700 SH       DEFINED          001      700        0       0
D  TRUST COMPANY BANCORPORATIO COMMON          0898304100       42     2496 SH       OTHER            001     2496        0       0
D  TRW INC                     COMMON          0872649108       37      900 SH       OTHER            001      900        0       0
D  TXU CORPORATION             COMMON          0873168108      512    12931 SH       DEFINED          001    12931        0       0
D  TXU CORPORATION             COMMON          0873168108      348     8789 SH       OTHER            001     8789        0       0
D  TXU CORPORATION             COMMON          0873168108      100     3211 SH       OTHER            002        0        0    3211
D  TXU CORPORATION             COMMON          0873168108      418    13463 SH       DEFINED          002        0    13463       0
D  TYCO INTERNATIONAL          COMMON          0902124106      778    15000 SH       SOLE             001    15000        0       0
D  TYCO INTERNATIONAL          COMMON          0902124106     4697    90543 SH       DEFINED          001    90543        0       0
D  TYCO INTERNATIONAL          COMMON          0902124106     2303    44403 SH       OTHER            001    44403        0       0
D  TYCO INTERNATIONAL          COMMON          0902124106      332     7012 SH       OTHER            002        0        0    7012
D  TYCO INTERNATIONAL          COMMON          0902124106     1814    38298 SH       DEFINED          002        0    38298       0
D  U S INDS INC NEW            COMMON          0912080108        1      150 SH       OTHER            001      150        0       0
D  U.S. BANCORP                COMMON          0902973106       14      750 SH       OTHER            002        0        0     750
D  U.S. BANCORP                COMMON          0902973106      220    11437 SH       DEFINED          002        0    11437       0
D  UIL HLDG CORP               COMMON          0902748102      129     2506 SH       DEFINED          001     2506        0       0
D  UIL HLDG CORP               COMMON          0902748102       10      200 SH       OTHER            001      200        0       0
D  UNILEVER N V NY SHS         COMMON          0904784709       43      892 SH       DEFINED          001      892        0       0
D  UNION CARBIDE CORP CM       COMMON          0905581104        7      178 SH       DEFINED          001      178        0       0
D  UNION PAC CORP              COMMON          0907818108       35      900 SH       OTHER            001      900        0       0
D  UNISYS CORP                 COMMON          0909214108       10      925 SH       DEFINED          001      925        0       0
D  UNITED PARCEL SERVICE INC   COMMON          0911312106      206     3650 SH       DEFINED          001     3650        0       0
D  UNITED PARCEL SERVICE INC   COMMON          0911312106      772    13700 SH       OTHER            001    13700        0       0
D  UNITED PARCEL SERVICE INC   COMMON          0911312106      186     3150 SH       OTHER            002        0        0    3150
D  UNITED PARCEL SERVICE INC   COMMON          0911312106      406     6879 SH       DEFINED          002        0     6879       0
D  UNITED TECHNOLOGIES CORP    COMMON          0913017109       83     1200 SH       DEFINED          001     1200        0       0
D  UNITED TECHNOLOGIES CORP    COMMON          0913017109      312     4500 SH       OTHER            001     4500        0       0
D  UNITED TECHNOLOGIES CORP    COMMON          0913017109      331     5626 SH       OTHER            002        0        0    5626
D  UNITED TECHNOLOGIES CORP    COMMON          0913017109      398     6760 SH       DEFINED          002        0     6760       0
D  UNOCAL CORP                 COMMON          0915289102       89     2500 SH       DEFINED          001     2500        0       0
D  UNOCAL CORP                 COMMON          0915289102       40     1200 SH       OTHER            002        0        0    1200
D  UNOCAL CORP                 COMMON          0915289102      176     5300 SH       DEFINED          002        0     5300       0
D  UNUMPROVIDENT CORP          COMMON          091529Y106      190     9450 SH       OTHER            002        0        0    9450
D  UNUMPROVIDENT CORP          COMMON          091529Y106      371    18474 SH       DEFINED          002        0    18474       0
D  USA VIDEO INTERACTIVE CORP  COMMON          0902924208       64    15400 SH       DEFINED          002        0    15400       0
D  USX-MARATHON GROUP          COMMON          0902905827      228     9100 SH       OTHER            002        0        0    9100
D  USX-MARATHON GROUP          COMMON          0902905827      168     6700 SH       DEFINED          002        0     6700       0
D  VAN KAMPEN MUNICIPAL INCOME OTHER           0920909108       42     5056 SH       OTHER            001    N.A.      N.A.    N.A.
D  VECTRON CORP                COMMON          092240G101      154     7597 SH       OTHER            001     7597        0       0
D  VERIZON COMMUNICATIONS      COMMON          092343V104     1600    33041 SH       DEFINED          001    31273        0    1768
D  VERIZON COMMUNICATIONS      COMMON          092343V104      810    16728 SH       OTHER            001    16728        0       0
D  VERIZON COMMUNICATIONS      COMMON          092343V104     1182    24400 SH       SOLE             001    24400        0       0
D  VERIZON COMMUNICATIONS      COMMON          092343V104     2376    43192 SH       OTHER            002        0        0   43192
D  VERIZON COMMUNICATIONS      COMMON          092343V104     2758    50145 SH       DEFINED          002        0    50145       0
D  VIACOM INC CL B COM         COMMON          0925524308     2048    35000 SH       SOLE             001    35000        0       0
D  VIACOM INC CL B COM         COMMON          0925524308      235     4013 SH       DEFINED          001     4013        0       0
D  VIDAMED INC                 COMMON          0926530106        1      400 SH       DEFINED          001      400        0       0
D  VINA TECHNOLOGIES           COMMON          092719D100      293    21000 SH       SOLE             001    21000        0       0
D  VISHAY INTERTECHNOLOGY INC  COMMON          0928298108      111     3600 SH       DEFINED          001     3600        0       0
D  VODAFONE AIRTOUCH PLC SP AD COMMON          092857T107      260     6225 SH       OTHER            002        0        0    6225
D  VODAFONE AIRTOUCH PLC SP AD COMMON          092857T107      958    22945 SH       DEFINED          002        0    22945       0
D  VODAFONE GROUP PLC NEW      COMMON          092857W100      266     7180 SH       DEFINED          001     6180        0    1000
D  VODAFONE GROUP PLC NEW      COMMON          092857W100      259     7000 SH       OTHER            001     7000        0       0
D  VULCAN MATLS CO             COMMON          0929160109       92     2300 SH       OTHER            001     2300        0       0
D  WACHOVIA CORP NEW           COMMON          0929771103      136     2400 SH       OTHER            001     2400        0       0
D  WAL MART STORES INC         COMMON          0931142103     3461    71925 SH       DEFINED          001    71925        0       0
D  WAL MART STORES INC         COMMON          0931142103     1829    38003 SH       OTHER            001    38003        0       0
D  WAL MART STORES INC         COMMON          0931142103     1684    35000 SH       SOLE             001    35000        0       0
D  WAL MART STORES INC         COMMON          0931142103      991    17370 SH       OTHER            002        0        0   17370
D  WAL MART STORES INC         COMMON          0931142103     1506    26399 SH       DEFINED          002        0    26399       0
D  WALGREEN CO                 COMMON          0931422109     3201    84375 SH       DEFINED          001    84375        0       0
D  WALGREEN CO                 COMMON          0931422109     2348    61890 SH       OTHER            001    61690        0     200
D  WALGREEN CO                 COMMON          0931422109     1902    59200 SH       OTHER            002        0        0   59200
D  WALGREEN CO                 COMMON          0931422109      357    11100 SH       DEFINED          002        0    11100       0
D  WASHINGTON MUTUAL INC       COMMON          0939322103      446    15475 SH       OTHER            002        0        0   15475
D  WASHINGTON MUTUAL INC       COMMON          0939322103      994    34496 SH       DEFINED          002        0    34496       0
D  WASTE MANAGEMENT INC        COMMON          094106L109       60     3160 SH       OTHER            002        0        0    3160
D  WASTE MANAGEMENT INC        COMMON          094106L109      145     7653 SH       DEFINED          002        0     7653       0
D  WEATHERFORD INTL INC NEW    COMMON          0947074100       31      730 SH       OTHER            001      730        0       0
D  WEBSTER FINL CORP WATERBURY COMMON          0947890109       13      500 SH       DEFINED          001        0        0     500
D  WEBSTER FINL CORP WATERBURY COMMON          0947890109      167     6216 SH       OTHER            001     6216        0       0
D  WEBSTER FINL CORP WATERBURY COMMON          0947890109        3      100 SH       SOLE             001      100        0       0
D  WEBSTER FINL CORP WATERBURY COMMON          0947890109      476    21453 SH       OTHER            002        0        0   21453
D  WEBSTER FINL CORP WATERBURY COMMON          0947890109      839    37794 SH       DEFINED          002        0    37794       0
D  WELLS FARGO COMPANY         COMMON          0949746101     2022    44025 SH       DEFINED          001    44025        0       0
D  WELLS FARGO COMPANY         COMMON          0949746101      221     4810 SH       OTHER            001     4810        0       0
D  WELLS FARGO COMPANY         COMMON          0949746101      919    20000 SH       SOLE             001    20000        0       0
D  WELLS FARGO COMPANY         COMMON          0949746101      137     3500 SH       OTHER            002        0        0    3500
D  WELLS FARGO COMPANY         COMMON          0949746101      810    20637 SH       DEFINED          002        0    20637       0
D  WEYERHAEUSER CO             COMMON          0962166104       30      750 SH       OTHER            001      750        0       0
D  WHOLE FOODS MKT INC         COMMON          0966837106       32      600 SH       OTHER            001      600        0       0
D  WILLAMETTE INDS INC         COMMON          0969133107        3      100 SH       OTHER            001      100        0       0
D  WILLIAMS COMPANY            COMMON          0969457100     1268    30000 SH       SOLE             001    30000        0       0
D  WILLIAMS COMPANY            COMMON          0969457100       89     2100 SH       DEFINED          001     2100        0       0
D  WILLIAMS COMPANY            COMMON          0969457100      258     6114 SH       OTHER            001     6114        0       0
D  WILLIAMS COMPANY            COMMON          0969457100     2594    62214 SH       OTHER            002        0        0   62214
D  WILLIAMS COMPANY            COMMON          0969457100     4754   114046 SH       DEFINED          002        0   114046       0
D  WIND RIV SYS INC            COMMON          0973149107       22      450 SH       OTHER            001      450        0       0
D  WISCONSIN ENERGY CORP       COMMON          0976657106       38     1900 SH       OTHER            001     1900        0       0
D  WORLDCOM INC                COMMON          098157D106      608    20000 SH       SOLE             001    20000        0       0
D  WORLDCOM INC                COMMON          098157D106     2468    81242 SH       DEFINED          001    81242        0       0
D  WORLDCOM INC                COMMON          098157D106      447    14707 SH       OTHER            001    14707        0       0
D  WORLDCOM INC                COMMON          098157D106     2211    48190 SH       OTHER            002        0        0   48190
D  WORLDCOM INC                COMMON          098157D106     3554    77460 SH       DEFINED          002        0    77460       0
D  XCEL ENERGY INC             COMMON          098389B100       52     1880 SH       DEFINED          001     1880        0       0
D  XCEL ENERGY INC             COMMON          098389B100       20      728 SH       OTHER            001      728        0       0
D  XEROX CORP                  COMMON          0984121103       12      790 SH       DEFINED          001      590        0     200
D  XEROX CORP                  COMMON          0984121103       21     1400 SH       OTHER            001     1400        0       0
D  XEROX CORP                  COMMON          0984121103       26     1260 SH       OTHER            002        0        0    1260
D  XEROX CORP                  COMMON          0984121103      303    14900 SH       DEFINED          002        0    14900       0
D  XL CAP LTD                  COMMON          0G98255105        7      102 SH       OTHER            001      102        0       0
D  YAHOO                       COMMON          0984332106      364     4000 SH       SOLE             001     4000        0       0
</TABLE>


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