UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 9/30/99
CHECK HERE IF AMENDMENT ( ): AMENDMENT NUMBER:
THIS AMENDMENT (CHECK ONLY ONE.): ( ) IS A RESTATEMENT.
( ) ADDS NEW HOLDINGS ENTRIES
INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT:
NAME: COMPASS BANK
ADDRESS: 701 S. 32ND ST.
1ST FLOOR
BIRMINGHAM, AL 35233
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: TOM RADIGAN
TITLE: Vice President
PHONE: (205)558-6745
SIGNATURE,PLACE,AND DATE OF SIGNING:
TOM RADIGAN BIRMINGHAM, AL 10/2/99
REPORT TYPE (CHECK ONLY ONE.):
(X) 13F HOLDINGS REPORT
( ) 13F NOTICE
( ) 13F COMBINATION REPORT
LIST OF OTHER MANAGERS REPORTING FOR THIS MANAGER:
NONE
I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE ACT OF 1934.
<PAGE>
FORM 13F SUMMARY PAGE
REPORT SUMMARY:
NUMBER OF OTHER INCLUDED MANAGERS: 0
FORM 13F INFORMATION TABLE ENTRY TOTAL: 699
FORM 13F INFORMATION TABLE VALUE TOTAL: $824,170
<PAGE>
<TABLE>
<CAPTION>
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>
A T & T CORPORATION COMMON STOCK 001957109 3215 73919 SH DEFINED 68662 3390 1867
A T & T CORPORATION COMMON STOCK 001957109 1103 25362 SH OTHER 22962 2400 0
ABBOTT LABORATORIES COMMON STOCK 002824100 683 18620 SH DEFINED 18620 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 318 8660 SH OTHER 3000 0 5660
ABERCROMBIE & FITCH COMPANY - COMMON STOCK 002896207 0 2 SH DEFINED 2 0 0
ACNIELSEN CORPORATION COMMON STOCK 004833109 23 1000 SH OTHER 1000 0 0
ADAPTEC INC COMMON STOCK 00651F108 9691 244175 SH DEFINED 240010 0 4165
ADAPTEC INC COMMON STOCK 00651F108 1913 48190 SH OTHER 48190 0 0
AES CORPORATION COMMON STOCK 00130H105 32 550 SH DEFINED 550 0 0
AES CORPORATION COMMON STOCK 00130H105 1 25 SH OTHER 25 0 0
AETNA INC COMMON STOCK 008117103 4 75 SH DEFINED 75 0 0
AFFINITY TECHNOLOGY GROUP INC COMMON STOCK 00826M103 1 1500 SH OTHER 1500 0 0
AGL RESOURCES INC COMMON STOCK 001204106 33 2000 SH DEFINED 2000 0 0
AGRIBRANDS INTERNATIONAL COMMON STOCK 00849R105 142 2868 SH OTHER 2868 0 0
ALABAMA NATIONAL BANCORPORATIO COMMON STOCK 010317105 116 5000 SH DEFINED 0 0 5000
ALABAMA NATIONAL BANCORPORATIO COMMON STOCK 010317105 60 2600 SH OTHER 2600 0 0
ALANCO ENVIRON RESOURCES CORP COMMON STOCK 011612405 10 7612 SH DEFINED 7612 0 0
ALCOA INC COMMON STOCK 013817101 10682 172115 SH DEFINED 171315 0 800
ALCOA INC COMMON STOCK 013817101 1615 26015 SH OTHER 26015 0 0
ALLEGHENY ENERGY INC COMMON STOCK 017361106 13 400 SH DEFINED 400 0 0
ALLEGHENY TELEDYNE INC COMMON STOCK 017415100 357 21130 SH DEFINED 21130 0 0
ALLERGAN INC COMMON STOCK 018490102 9013 81935 SH DEFINED 80380 0 1555
ALLERGAN INC COMMON STOCK 018490102 2009 18265 SH OTHER 18265 0 0
ALLIANCE CAPITAL MANAGEMENT LP COMMON STOCK 018548107 1918 69915 SH DEFINED 68490 0 1425
ALLIANCE CAPITAL MANAGEMENT LP COMMON STOCK 018548107 81 2970 SH OTHER 2930 40 0
ALLIANT ENERGY CORP COMMON STOCK 018802108 6 200 SH DEFINED 200 0 0
ALLIANT ENERGY CORP COMMON STOCK 018802108 17 600 SH OTHER 600 0 0
ALLIED SIGNAL INCORPORATED COMMON STOCK 019512102 144 2400 SH DEFINED 2400 0 0
ALLIED SIGNAL INCORPORATED COMMON STOCK 019512102 318 5312 SH OTHER 3012 0 2300
ALLSTATE CORPORATION COMMON STOCK 020002101 73 2924 SH DEFINED 2924 0 0
ALLSTATE CORPORATION COMMON STOCK 020002101 39 1578 SH OTHER 1578 0 0
ALLTEL CORPORATION COMMON STOCK 020039103 237 3370 SH DEFINED 3370 0 0
ALLTEL CORPORATION COMMON STOCK 020039103 284 4033 SH OTHER 4033 0 0
ALTERA CORP COMMON STOCK 021441100 121 2800 SH DEFINED 2800 0 0
ALTERA CORP COMMON STOCK 021441100 17 400 SH OTHER 400 0 0
AMCAST INDUSTRIAL CORPORATION COMMON STOCK 023395106 22 1640 SH OTHER 1640 0 0
AMEREN CORPORATION COMMON STOCK 023608102 23 618 SH DEFINED 618 0 0
AMERICA ONLINE INCORPORATED COMMON STOCK 02364J104 8479 81483 SH DEFINED 79773 150 1560
AMERICA ONLINE INCORPORATED COMMON STOCK 02364J104 2198 21125 SH OTHER 21125 0 0
AMERICAN ELECTRIC POWER INC COMMON STOCK 025537101 7 216 SH DEFINED 216 0 0
AMERICAN EXPRESS COMPANY COMMON STOCK 025816109 792 5870 SH DEFINED 5210 0 660
AMERICAN EXPRESS COMPANY COMMON STOCK 025816109 125 925 SH OTHER 925 0 0
AMERICAN GENERAL CORPORATION COMMON STOCK 026351106 1630 25778 SH DEFINED 25778 0 0
AMERICAN GENERAL CORPORATION COMMON STOCK 026351106 423 6684 SH OTHER 4084 0 2600
AMERICAN HOME PRODUCTS CORPORA COMMON STOCK 026609107 1571 37848 SH DEFINED 37848 0 0
AMERICAN HOME PRODUCTS CORPORA COMMON STOCK 026609107 330 7944 SH OTHER 7944 0 0
AMERICAN INTERNATIONAL GROUP I COMMON STOCK 026874107 11523 132539 SH DEFINED 130492 125 1922
AMERICAN INTERNATIONAL GROUP I COMMON STOCK 026874107 2228 25628 SH OTHER 21260 250 4118
AMERITECH CORPORATION COMMON STOCK 030954101 525 7868 SH DEFINED 6908 0 960
AMERITECH CORPORATION COMMON STOCK 030954101 187 2796 SH OTHER 2796 0 0
AMERITRADE HOLDING CORP-CLASS COMMON STOCK 03072H109 6 300 SH DEFINED 300 0 0
AMETEK INC COMMON STOCK 031100100 8 400 SH OTHER 400 0 0
AMGEN INCORPORATED COMMON STOCK 031162100 196 2400 SH DEFINED 1200 0 1200
AMGEN INCORPORATED COMMON STOCK 031162100 12 150 SH OTHER 150 0 0
AMSOUTH BANCORPORATION COMMON STOCK 032165102 771 32882 SH DEFINED 27820 0 5062
AMSOUTH BANCORPORATION COMMON STOCK 032165102 336 14350 SH OTHER 0 0 14350
ANADARKO PETEROLEUM CORPORATIO COMMON STOCK 032511107 40 1320 SH DEFINED 1320 0 0
ANHEUSER BUSCH COMPANY INC COMMON STOCK 035229103 12436 177502 SH DEFINED 175457 0 2045
ANHEUSER BUSCH COMPANY INC COMMON STOCK 035229103 1755 25055 SH OTHER 25055 0 0
AON CORPORATION COMMON STOCK 037389103 659 22275 SH OTHER 22275 0 0
APPLIED MATERIALS INCORPORATED COMMON STOCK 038222105 23 300 SH DEFINED 300 0 0
ARGONAUT GROUP INC COMMON STOCK 040157109 41 1650 SH DEFINED 1650 0 0
ARVIN INDUSTRIES INCORPORATED COMMON STOCK 043339100 18 580 SH OTHER 580 0 0
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 115 3194 SH DEFINED 3194 0 0
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 11 314 SH OTHER 314 0 0
AT&T CORP-LIBERTY MEDIA GROUP COMMON STOCK 001957208 112 3000 SH DEFINED 2000 0 1000
ATLANTIC RICHFIELD COMPANY COMMON STOCK 048825103 3811 43000 SH DEFINED 42340 600 60
ATLANTIC RICHFIELD COMPANY COMMON STOCK 048825103 1309 14765 SH OTHER 14465 300 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 49 1092 SH DEFINED 1092 0 0
AVERY DENNISON CORPORATION COMMON STOCK 053611109 31 592 SH DEFINED 592 0 0
AXA FINANCIAL INC COMMON STOCK 002451102 2 32 SH DEFINED 32 0 0
BAKER HUGHES INCORPORATED COMMON STOCK 057224107 142 4885 SH DEFINED 4440 0 445
BAKER HUGHES INCORPORATED COMMON STOCK 057224107 103 3538 SH OTHER 3538 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 319 5726 SH DEFINED 3526 0 2200
BANK OF AMERICA CORP COMMON STOCK 060505104 38 679 SH OTHER 679 0 0
BANK OF NEW YORK COMPANY INC COMMON STOCK 064057102 2054 61415 SH DEFINED 60550 0 865
BANK OF NEW YORK COMPANY INC COMMON STOCK 064057102 82 2455 SH OTHER 2285 170 0
BANK ONE CORPORATION COMMON STOCK 06423A103 1092 31363 SH DEFINED 30560 0 803
BANK ONE CORPORATION COMMON STOCK 06423A103 32 915 SH OTHER 790 125 0
BANKBOSTON CORPORATION COMMON STOCK 06605R106 130 3000 SH DEFINED 3000 0 0
BATTLE MOUNTAIN GOLD COMPANY COMMON STOCK 071593107 0 144 SH OTHER 144 0 0
BAUSCH & LOMB INC COMMON STOCK 071707103 20 306 SH DEFINED 306 0 0
BAUSCH & LOMB INC COMMON STOCK 071707103 106 1600 SH OTHER 1600 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 1717 28494 SH DEFINED 26324 2000 170
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 340 5645 SH OTHER 1415 1030 3200
BELL ATLANTIC CORPORATION COMMON STOCK 077853109 2042 30334 SH DEFINED 29014 0 1320
BELL ATLANTIC CORPORATION COMMON STOCK 077853109 858 12742 SH OTHER 12442 300 0
BELLSOUTH CORPORATION COMMON STOCK 079860102 1212 26932 SH DEFINED 25492 0 1440
BELLSOUTH CORPORATION COMMON STOCK 079860102 358 7956 SH OTHER 7956 0 0
BERKSHIRE HATHAWAY INC - CLASS COMMON STOCK 084670207 412 222 SH DEFINED 222 0 0
BEST SOFTWARE INC COMMON STOCK 086579109 40 2000 SH OTHER 2000 0 0
BESTFOODS COMMON STOCK 08658U101 7 140 SH DEFINED 140 0 0
BETHLEHEM STEEL CORPORATION COMMON STOCK 087509105 0 50 SH DEFINED 50 0 0
BILLING INFORMATION CONCEPTS C COMMON STOCK 090063108 3 542 SH DEFINED 542 0 0
BIOMET INCORPORATED COMMON STOCK 090613100 610 23176 SH DEFINED 20148 0 3028
BIOMET INCORPORATED COMMON STOCK 090613100 1120 42580 SH OTHER 42580 0 0
BLACK AND DECKER CORPORATION COMMON STOCK 091797100 50 1100 SH DEFINED 1100 0 0
BMC SOFTWARE INC COMMON STOCK 055921100 21 300 SH DEFINED 300 0 0
BMC SOFTWARE INC COMMON STOCK 055921100 21 300 SH OTHER 300 0 0
BOEING COMPANY COMMON STOCK 097023105 4322 101400 SH DEFINED 100400 0 1000
BOEING COMPANY COMMON STOCK 097023105 27 630 SH OTHER 630 0 0
BOSTON SCIENTIFIC CORPORATION COMMON STOCK 101137107 74 3000 SH DEFINED 3000 0 0
BOWNE AND COMPANY COMMON STOCK 103043105 10 800 SH DEFINED 800 0 0
BRINKER INTERNATIONAL INCORPOR COMMON STOCK 109641100 16 600 SH DEFINED 600 0 0
BRISTOL-MYERS SQUIBB COMPANY COMMON STOCK 110122108 10885 161260 SH DEFINED 160560 0 700
BRISTOL-MYERS SQUIBB COMPANY COMMON STOCK 110122108 4021 59572 SH OTHER 59572 0 0
BUCKEYE PARTNERS LP COMMON STOCK 118230101 405 15000 SH OTHER 15000 0 0
BURLINGTON NORTHERN SANTA FE COMMON STOCK 12189T104 198 7200 SH DEFINED 7200 0 0
BURLINGTON NORTHERN SANTA FE COMMON STOCK 12189T104 16 570 SH OTHER 570 0 0
BURLINGTON RESOURCES INCORPORA COMMON STOCK 122014103 62 1700 SH DEFINED 1700 0 0
BURLINGTON RESOURCES INCORPORA COMMON STOCK 122014103 48 1296 SH OTHER 1296 0 0
CALGON CARBON CORP COMMON STOCK 129603106 41 6000 SH OTHER 6000 0 0
CAMDEN PROPERTY TRUST - REIT COMMON STOCK 133131102 48 1775 SH DEFINED 1775 0 0
CAMPBELL SOUP COMPANY COMMON STOCK 134429109 39 1000 SH DEFINED 1000 0 0
CAMPBELL SOUP COMPANY COMMON STOCK 134429109 39 1000 SH OTHER 1000 0 0
CAPITAL ONE FINANCIAL CORPORAT COMMON STOCK 14040H105 227 5812 SH DEFINED 5762 0 50
CAPITAL ONE FINANCIAL CORPORAT COMMON STOCK 14040H105 3 75 SH OTHER 75 0 0
CAPSTEAD MORTGAGE CORP - REIT COMMON STOCK 14067E100 1 337 SH OTHER 337 0 0
CARDINAL HEALTH INC. COMMON STOCK 14149Y108 65 1200 SH DEFINED 900 0 300
CARLISLE COMPANIES INC COMMON STOCK 142339100 69 1744 SH DEFINED 1744 0 0
CAROLINA POWER & LIGHT COMPANY COMMON STOCK 144141108 26 744 SH DEFINED 744 0 0
CATERPILLAR INCORPORATED COMMON STOCK 149123101 7238 132049 SH DEFINED 129729 0 2320
CATERPILLAR INCORPORATED COMMON STOCK 149123101 1278 23315 SH OTHER 23245 70 0
CBS CORPORATION COMMON STOCK 12490K107 1095 23680 SH DEFINED 23580 0 100
CENTRAL AND SOUTHWEST CORPORAT COMMON STOCK 152357109 55 2600 SH DEFINED 1000 0 1600
CENTRAL GARDEN & PET COMPANY COMMON STOCK 153527106 14 1800 SH OTHER 1800 0 0
CENTURYTEL INC COMMON STOCK 156700106 9 225 SH DEFINED 225 0 0
CENTURYTEL INC COMMON STOCK 156700106 183 4500 SH OTHER 4500 0 0
CHAMPION INTERNATIONAL CORPORA COMMON STOCK 158525105 161 3140 SH DEFINED 3140 0 0
CHARLES SCHWAB INCORPORATED COMMON STOCK 808513105 113 3382 SH DEFINED 3082 0 300
CHASE MANHATTAN CORPORATION COMMON STOCK 16161A108 2384 31622 SH DEFINED 30747 0 875
CHASE MANHATTAN CORPORATION COMMON STOCK 16161A108 271 3600 SH OTHER 400 0 3200
CHEMFAB CORPORATION COMMON STOCK 16361L102 23 1400 SH OTHER 1400 0 0
CHEVRON CORPORATION COMMON STOCK 166751107 2775 31264 SH DEFINED 31264 0 0
CHEVRON CORPORATION COMMON STOCK 166751107 1111 12522 SH OTHER 12522 0 0
CHUBB CORPORATION COMMON STOCK 171232101 40 800 SH DEFINED 800 0 0
CINCINNATI BELL INC COMMON STOCK 171870108 109 5600 SH DEFINED 5600 0 0
CINERGY CORPORATION COMMON STOCK 172474108 163 5740 SH DEFINED 4620 0 1120
CISCO SYSTEMS INCORPORATED COMMON STOCK 17275R102 15708 229105 SH DEFINED 222355 0 6750
CISCO SYSTEMS INCORPORATED COMMON STOCK 17275R102 5933 86529 SH OTHER 86529 0 0
CITIGROUP INC COMMON STOCK 172967101 14085 320124 SH DEFINED 312433 600 7091
CITIGROUP INC COMMON STOCK 172967101 3273 74392 SH OTHER 69442 300 4650
CITIZENS UTILITIES CO - CLASS COMMON STOCK 177342201 19 1658 SH DEFINED 1658 0 0
CLOROX COMPANY COMMON STOCK 189054109 31 800 SH DEFINED 800 0 0
CNBT BANKSHARES INC COMMON STOCK 125972109 91 9000 SH OTHER 9000 0 0
COASTAL CORPORATION COMMON STOCK 190441105 6199 151415 SH DEFINED 149995 0 1420
COASTAL CORPORATION COMMON STOCK 190441105 1252 30575 SH OTHER 30575 0 0
COCA-COLA COMPANY COMMON STOCK 191216100 2616 54222 SH DEFINED 51988 0 2234
COCA-COLA COMPANY COMMON STOCK 191216100 862 17870 SH OTHER 14170 0 3700
COLGATE PALMOLIVE COMPANY COMMON STOCK 194162103 388 8490 SH DEFINED 8490 0 0
COLGATE PALMOLIVE COMPANY COMMON STOCK 194162103 403 8800 SH OTHER 8800 0 0
COLONIAL BANCGROUP, INC. COMMON STOCK 195493309 57 5064 SH OTHER 5064 0 0
COLUMBIA ENERGY GROUP COMMON STOCK 197648108 5 86 SH DEFINED 86 0 0
COLUMBIA HCA HEALTHCARE CORP COMMON STOCK 197677107 6 265 SH DEFINED 265 0 0
COMPAQ COMPUTER CORPORATION COMMON STOCK 204493100 1245 54440 SH DEFINED 45910 400 8130
COMPAQ COMPUTER CORPORATION COMMON STOCK 204493100 1305 57045 SH OTHER 46095 350 10600
COMPASS BANCSHARES INC COMMON STOCK 20449H109 42084 1683351 SH DEFINED 1328265 0 355086
COMPASS BANCSHARES INC COMMON STOCK 20449H109 3343 133711 SH OTHER 92414 13150 28147
COMPUTER SCIENCES CORPORATION COMMON STOCK 205363104 342 4870 SH DEFINED 3680 0 1190
CONAGRA INC COMMON STOCK 205887102 131 5800 SH DEFINED 5800 0 0
CONEXANT SYSTEMS INC COMMON STOCK 207142100 10 134 SH DEFINED 134 0 0
CONOCO INC-CLASS B COMMON STOCK 208251405 7 244 SH OTHER 244 0 0
CONSOLIDATED EDISON, INC COMMON STOCK 209115104 125 3022 SH DEFINED 3022 0 0
CONSOLIDATED EDISON, INC COMMON STOCK 209115104 27 656 SH OTHER 656 0 0
CONSOLIDATED NATURAL GAS COMPA COMMON STOCK 209615103 63 1008 SH DEFINED 1008 0 0
CONSTELLATION ENERGY GROUP COMMON STOCK 210371100 39 1400 SH DEFINED 1400 0 0
CONVERGYS CORPORATION COMMON STOCK 212485106 111 5600 SH DEFINED 5600 0 0
CONVERSE INC COMMON STOCK 212540108 0 11 SH DEFINED 11 0 0
COREL CORPORATION COMMON STOCK 21868Q109 42 5730 SH OTHER 5730 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 130 1800 SH DEFINED 1000 0 800
CREDENCE SYSTEMS CORP COMMON STOCK 225302108 66 1479 SH DEFINED 1479 0 0
CRESCENT REAL ESTATE EQUITIES COMMON STOCK 225756105 1225 68030 SH DEFINED 66505 0 1525
CRESCENT REAL ESTATE EQUITIES COMMON STOCK 225756105 26 1440 SH OTHER 1440 0 0
CSX CORPORATION COMMON STOCK 126408103 76 1800 SH DEFINED 1800 0 0
CVS CORPORATION COMMON STOCK 126650100 114 2800 SH DEFINED 600 0 2200
CYBEX COMPUTER PRODUCTS CORP COMMON STOCK 232522102 60 1800 SH DEFINED 1800 0 0
CYTEC INDUSTRIES INC COMMON STOCK 232820100 2 86 SH DEFINED 86 0 0
DANA CORPORATION COMMON STOCK 235811106 371 10000 SH DEFINED 10000 0 0
DAYTON HUDSON CORPORATION COMMON STOCK 239753106 10037 167106 SH DEFINED 163091 0 4015
DAYTON HUDSON CORPORATION COMMON STOCK 239753106 3597 59885 SH OTHER 59885 0 0
DELL COMPUTER CORPORATION COMMON STOCK 247025109 198 4740 SH DEFINED 4740 0 0
DELL COMPUTER CORPORATION COMMON STOCK 247025109 16 380 SH OTHER 380 0 0
DELPHI AUTOMOTIVE SYSTEMS CORP COMMON STOCK 247126105 259 16134 SH DEFINED 16134 0 0
DELPHI AUTOMOTIVE SYSTEMS CORP COMMON STOCK 247126105 59 3648 SH OTHER 3648 0 0
DENALI INC COMMON STOCK 248221103 8 2000 SH OTHER 2000 0 0
DEVON ENERGY CORP COMMON STOCK 25179M103 2 42 SH OTHER 42 0 0
DII GROUP INC COMMON STOCK 232949107 4 116 SH DEFINED 116 0 0
DOMINION RESOURCES INC COMMON STOCK 257470104 18 400 SH DEFINED 400 0 0
DOVER DOWNS ENTERTAINMENT INC COMMON STOCK 260086103 19 1400 SH OTHER 1400 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 1168 10279 SH DEFINED 10279 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 457 4023 SH OTHER 4023 0 0
DQE INC COMMON STOCK 23329J104 2 45 SH DEFINED 45 0 0
DTE ENERGY COMPANY COMMON STOCK 233331107 44 1200 SH DEFINED 1200 0 0
DUKE ENERGY CORPORATION COMMON STOCK 264399106 437 7926 SH DEFINED 7926 0 0
DUKE ENERGY CORPORATION COMMON STOCK 264399106 207 3762 SH OTHER 662 0 3100
DUN & BRADSTREET CORP COMMON STOCK 26483B106 128 4300 SH OTHER 4300 0 0
DURA AUTOMOTIVE SYSTEMS INC COMMON STOCK 265903104 33 1360 SH OTHER 1360 0 0
E.I.DU PONT DE NEMOURS & COMPA COMMON STOCK 263534109 7969 131725 SH DEFINED 129525 400 1800
E.I.DU PONT DE NEMOURS & COMPA COMMON STOCK 263534109 2842 46979 SH OTHER 45379 200 1400
EASTMAN CHEMICAL COMPANY COMMON STOCK 277432100 51 1290 SH OTHER 1290 0 0
EASTMAN KODAK COMPANY COMMON STOCK 277461109 268 3547 SH DEFINED 3547 0 0
EASTMAN KODAK COMPANY COMMON STOCK 277461109 209 2761 SH OTHER 2761 0 0
EATON CORPORATION COMMON STOCK 278058102 145 1685 SH DEFINED 1685 0 0
EATON CORPORATION COMMON STOCK 278058102 8 95 SH OTHER 95 0 0
ECHELON INTERNATIONAL CORPORAT COMMON STOCK 278747100 2 100 SH DEFINED 100 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 24 1000 SH DEFINED 1000 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 10 400 SH OTHER 400 0 0
EL PASO ENERGY CORPORATION COMMON STOCK 283905107 12 286 SH DEFINED 286 0 0
EL PASO ENERGY CORPORATION COMMON STOCK 283905107 2 50 SH OTHER 50 0 0
ELECTRONIC DATA SYSTEMS CORPOR COMMON STOCK 285661104 299 5652 SH DEFINED 5652 0 0
ELECTRONIC DATA SYSTEMS CORPOR COMMON STOCK 285661104 134 2525 SH OTHER 125 0 2400
ELI LILLY & COMPANY COMMON STOCK 532457108 438 6816 SH DEFINED 6816 0 0
ELI LILLY & COMPANY COMMON STOCK 532457108 449 7000 SH OTHER 7000 0 0
EMC CORPORATION COMMON STOCK 268648102 14394 201674 SH DEFINED 197979 0 3695
EMC CORPORATION COMMON STOCK 268648102 2777 38905 SH OTHER 38905 0 0
EMERSON ELECTRIC COMPANY COMMON STOCK 291011104 81 1286 SH DEFINED 1286 0 0
EMERSON ELECTRIC COMPANY COMMON STOCK 291011104 253 4000 SH OTHER 4000 0 0
ENERGEN CORPORATION COMMON STOCK 29265N108 12 600 SH DEFINED 600 0 0
ENERGEN CORPORATION COMMON STOCK 29265N108 4 200 SH OTHER 200 0 0
ENERGY EAST CORP. COMMON STOCK 29266M109 88 3700 SH OTHER 3700 0 0
ENERGYSOUTH INC COMMON STOCK 292970100 15 690 SH DEFINED 690 0 0
ENGLEHARD CORPORATION COMMON STOCK 292845104 11 607 SH DEFINED 607 0 0
ENRON CORPORATION COMMON STOCK 293561106 9432 229698 SH DEFINED 225961 0 3737
ENRON CORPORATION COMMON STOCK 293561106 1399 34058 SH OTHER 34058 0 0
ENSCO INTERNATIONAL INC COMMON STOCK 26874Q100 1 50 SH OTHER 50 0 0
ENTERGY CORPORATION COMMON STOCK 29364G103 22 760 SH DEFINED 760 0 0
ENTERGY CORPORATION COMMON STOCK 29364G103 8 260 SH OTHER 260 0 0
EQUITABLE RESOURCES INC COMMON STOCK 294549100 383 10125 SH OTHER 10125 0 0
EVERGREEN RESOURCES INC COMMON STOCK 299900308 24 1000 SH OTHER 1000 0 0
EXXON CORPORATION COMMON STOCK 302290101 23205 305328 SH DEFINED 283676 0 21652
EXXON CORPORATION COMMON STOCK 302290101 8191 107778 SH OTHER 107778 0 0
FANNIE MAE COMMON STOCK 313586109 630 10045 SH DEFINED 8650 0 1395
FANNIE MAE COMMON STOCK 313586109 219 3495 SH OTHER 795 0 2700
FIFTH THIRD BANCORP COMMON STOCK 316773100 62 1012 SH DEFINED 1012 0 0
FIRST DATA CORPORATION COMMON STOCK 319963104 8 178 SH DEFINED 178 0 0
FIRST DATA CORPORATION COMMON STOCK 319963104 149 3400 SH OTHER 0 0 3400
FIRST UNION CORPORATION COMMON STOCK 337358105 36 1000 SH DEFINED 1000 0 0
FIRST UNION CORPORATION COMMON STOCK 337358105 367 10300 SH OTHER 10300 0 0
FIRSTCITY FINANCIAL CORPORATIO COMMON STOCK 33761X107 2 1202 SH DEFINED 1202 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 972 38387 SH DEFINED 37547 0 840
FIRSTENERGY CORP COMMON STOCK 337932107 34 1360 SH OTHER 1210 150 0
FLEET FINANCIAL GROUP INC COMMON STOCK 338915101 163 4450 SH DEFINED 3660 0 790
FLORIDA PROGRESS CORP COMMON STOCK 341109106 69 1500 SH DEFINED 1500 0 0
FLORSHEIM GROUP INC COMMON STOCK 343302105 0 5 SH DEFINED 5 0 0
FOOTSTAR INC COMMON STOCK 344912100 3 86 SH DEFINED 86 0 0
FORD MOTOR COMPANY COMMON STOCK 345370100 8775 174635 SH DEFINED 173635 0 1000
FORD MOTOR COMPANY COMMON STOCK 345370100 1431 28485 SH OTHER 28485 0 0
FORT JAMES CORPORATION COMMON STOCK 347471104 62 2310 SH DEFINED 1755 0 555
FORTUNE BRANDS INC COMMON STOCK 349631101 57 1760 SH DEFINED 1760 0 0
FORTUNE BRANDS INC COMMON STOCK 349631101 58 1800 SH OTHER 1800 0 0
FRANKLIN BANK N A COMMON STOCK 352456107 4 578 SH DEFINED 578 0 0
FRANKLIN RESOURCES INC COMMON STOCK 354613101 71 2325 SH DEFINED 2325 0 0
FRANKLIN RESOURCES INC COMMON STOCK 354613101 6 185 SH OTHER 185 0 0
FREDDIE MAC COMMON STOCK 313400301 100 1927 SH DEFINED 1427 0 500
FREDDIE MAC COMMON STOCK 313400301 317 6100 SH OTHER 0 0 6100
FREEPORT-MCMORAN COPPER & GOLD COMMON STOCK 35671D105 1 88 SH DEFINED 88 0 0
FREEPORT-MCMORAN COPPER & GOLD COMMON STOCK 35671D857 20 1261 SH DEFINED 1261 0 0
FREEPORT-MCMORAN OIL & GAS TR COMMON STOCK 356713107 0 161 SH DEFINED 161 0 0
GANNETT COMPANY INC COMMON STOCK 364730101 263 3800 SH DEFINED 3800 0 0
GAP INC COMMON STOCK 364760108 45 1406 SH DEFINED 1406 0 0
GAP INC COMMON STOCK 364760108 6 175 SH OTHER 175 0 0
GARTNER GROUP INC-B COMMON STOCK 366651206 20 1223 SH OTHER 1223 0 0
GENERAL CABLE CORPORATION COMMON STOCK 369300108 24 2000 SH OTHER 2000 0 0
GENERAL ELECTRIC COMPANY COMMON STOCK 369604103 25911 218545 SH DEFINED 215385 0 3160
GENERAL ELECTRIC COMPANY COMMON STOCK 369604103 7556 63729 SH OTHER 60229 0 3500
GENERAL MILLS INC COMMON STOCK 370334104 796 9810 SH DEFINED 9620 0 190
GENERAL MILLS INC COMMON STOCK 370334104 149 1836 SH OTHER 1816 20 0
GENERAL MOTORS CORPORATION COMMON STOCK 370442105 1491 23689 SH DEFINED 23689 0 0
GENERAL MOTORS CORPORATION COMMON STOCK 370442105 417 6624 SH OTHER 5324 0 1300
GENERAL MOTORS CORPORATION - C COMMON STOCK 370442832 66 1146 SH DEFINED 1046 0 100
GEORGIA-PACIFIC GROUP COMMON STOCK 373298108 152 3766 SH DEFINED 3766 0 0
GEORGIA-PACIFIC TIMBER GROUP COMMON STOCK 373298702 12 533 SH DEFINED 533 0 0
GILLETTE COMPANY COMMON STOCK 375766102 502 14780 SH DEFINED 14480 300 0
GILLETTE COMPANY COMMON STOCK 375766102 235 6914 SH OTHER 2114 0 4800
GLOBAL INDUSTRIAL TECHNOLOGIES COMMON STOCK 379335102 1 80 SH OTHER 80 0 0
GOLD FIELDS LIMITED COMMON STOCK 38059T106 3 600 SH OTHER 600 0 0
GOODYEAR TIRE & RUBBER COMPANY COMMON STOCK 382550101 843 17526 SH DEFINED 16961 0 565
GOODYEAR TIRE & RUBBER COMPANY COMMON STOCK 382550101 32 665 SH OTHER 565 100 0
GPU INC COMMON STOCK 36225X100 48 1460 SH DEFINED 1460 0 0
GPU INC COMMON STOCK 36225X100 52 1600 SH OTHER 1600 0 0
GTE CORPORATION COMMON STOCK 362320103 695 9044 SH DEFINED 9044 0 0
GTE CORPORATION COMMON STOCK 362320103 1187 15444 SH OTHER 12444 0 3000
GUARANTEE LIFE COMPANIES INC COMMON STOCK 400740106 0 13 SH OTHER 13 0 0
H J HEINZ COMPANY COMMON STOCK 423074103 152 3534 SH DEFINED 3534 0 0
H J HEINZ COMPANY COMMON STOCK 423074103 82 1900 SH OTHER 1845 55 0
HALLIBURTON COMPANY COMMON STOCK 406216101 10693 260811 SH DEFINED 255861 2000 2950
HALLIBURTON COMPANY COMMON STOCK 406216101 1703 41535 SH OTHER 41285 100 150
HARBOR FLA BANCSHARES INC COMMON STOCK 411901101 51 4205 SH DEFINED 3004 0 1201
HARLEY-DAVIDSON INC COMMON STOCK 412822108 183 3650 SH DEFINED 2800 0 850
HARRAH'S ENTERTAINMENT INC COMMON STOCK 413619107 83 3000 SH DEFINED 3000 0 0
HARTE-HANKS COMMUNICATIONS INC COMMON STOCK 416196103 50 2000 SH OTHER 2000 0 0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK 416515104 84 2065 SH DEFINED 2065 0 0
HASBRO INC COMMON STOCK 418056107 5816 270501 SH DEFINED 266568 0 3933
HASBRO INC COMMON STOCK 418056107 986 45861 SH OTHER 45861 0 0
HEALTH MANAGEMENT ASSOCIATES I COMMON STOCK 421933102 12 1500 SH DEFINED 1500 0 0
HEALTH MGMT SYSTEMS COMMON STOCK 42219M100 14 3000 SH OTHER 3000 0 0
HEALTHCARE REALTY TRUST INC - COMMON STOCK 421946104 16 851 SH DEFINED 851 0 0
HEALTHSOUTH CORPORATION COMMON STOCK 421924101 49 8000 SH DEFINED 0 0 8000
HERSHEY FOODS CORPORATION COMMON STOCK 427866108 19 400 SH DEFINED 400 0 0
HEWLETT PACKARD COMPANY COMMON STOCK 428236103 235 2590 SH DEFINED 2590 0 0
HEWLETT PACKARD COMPANY COMMON STOCK 428236103 445 4900 SH OTHER 3100 0 1800
HOME DEPOT INC COMMON STOCK 437076102 1009 14710 SH DEFINED 13210 0 1500
HOME DEPOT INC COMMON STOCK 437076102 257 3746 SH OTHER 550 0 3196
HOME-STAKE OIL & GAS COMPANY COMMON STOCK 437356108 21 4890 SH OTHER 4890 0 0
HOSPITALITY PROPERTIES TRUST - COMMON STOCK 44106M102 16 700 SH DEFINED 700 0 0
HOUSEHOLD INTERNATIONAL INC COMMON STOCK 441815107 133 3319 SH DEFINED 3319 0 0
HOUSEHOLD INTERNATIONAL INC COMMON STOCK 441815107 7 183 SH OTHER 183 0 0
HOWELL CORPORATION COMMON STOCK 443051107 1 150 SH OTHER 150 0 0
IBP INC COMMON STOCK 449223106 35 1400 SH DEFINED 1400 0 0
IMC GLOBAL INC. COMMON STOCK 449669100 4 269 SH DEFINED 269 0 0
IMCO RECYCLING INC COMMON STOCK 449681105 8 552 SH OTHER 552 0 0
IMS HEALTH INC - W/I COMMON STOCK 449934108 214 9400 SH OTHER 9400 0 0
INTEL CORPORATION COMMON STOCK 458140100 1113 14980 SH DEFINED 14980 0 0
INTEL CORPORATION COMMON STOCK 458140100 794 10680 SH OTHER 5880 0 4800
INTERDIGITAL COMM CORP COMMON STOCK 45866A105 61 11000 SH DEFINED 11000 0 0
INTERNATIONAL BUSINESS MACHINE COMMON STOCK 459200101 15760 130248 SH DEFINED 126973 300 2975
INTERNATIONAL BUSINESS MACHINE COMMON STOCK 459200101 5521 45624 SH OTHER 41824 0 3800
INTERNATIONAL PAPER COMPANY COMMON STOCK 460146103 42 878 SH DEFINED 878 0 0
INTERPOOL INC COMMON STOCK 46062R108 11 1400 SH OTHER 1400 0 0
INVISION TECHNOLOGIES INC COMMON STOCK 461851107 7 2000 SH OTHER 2000 0 0
IPC HOLDINGS LIMITED COMMON STOCK G4933P101 13 686 SH DEFINED 0 0 686
IT GROUP INC COMMON STOCK 465266104 12 1250 SH DEFINED 1250 0 0
ITT INDUSTRIES INC COMMON STOCK 450911102 4 130 SH DEFINED 130 0 0
J & J SNACK FOODS CORP COMMON STOCK 466032109 16 800 SH DEFINED 800 0 0
J C PENNEY INCORPORATED COMMON STOCK 708160106 154 4450 SH DEFINED 4050 400 0
J C PENNEY INCORPORATED COMMON STOCK 708160106 22 650 SH OTHER 450 200 0
J P MORGAN & COMPANY INC COMMON STOCK 616880100 9840 86131 SH DEFINED 85396 0 735
J P MORGAN & COMPANY INC COMMON STOCK 616880100 999 8745 SH OTHER 8745 0 0
JEFFERSON-PILOT CORPPORATION COMMON STOCK 475070108 23 360 SH DEFINED 360 0 0
JMAR TECHNOLOGIES INC COMMON STOCK 466212107 52 31500 SH OTHER 31500 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1399 15226 SH DEFINED 15226 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1769 19250 SH OTHER 16950 0 2300
JUST FOR FEET INCORPORATED COMMON STOCK 48213P106 5 2290 SH OTHER 2290 0 0
KAISER VENTURES INC COMMON STOCK 483100103 0 13 SH OTHER 13 0 0
KANEB PIPELINE PARTNERS L.P. COMMON STOCK 484169107 375 13000 SH OTHER 13000 0 0
KANSAS CITY POWER & LIGHT COMP COMMON STOCK 485134100 73 3000 SH OTHER 3000 0 0
KELLOGG COMPANY COMMON STOCK 487836108 15 400 SH DEFINED 400 0 0
KEY PRODUCTION COMPANY INC COMMON STOCK 493138101 4 416 SH DEFINED 416 0 0
KEYCORP COMMON STOCK 493267108 90 3500 SH DEFINED 3500 0 0
KEYCORP COMMON STOCK 493267108 16 630 SH OTHER 630 0 0
KIMBERLY-CLARK CORPORATION COMMON STOCK 494368103 315 5974 SH DEFINED 5254 0 720
KINDER MORGAN ENERGY PARTNERS COMMON STOCK 494550106 30 695 SH DEFINED 695 0 0
KINDER MORGAN ENERGY PARTNERS COMMON STOCK 494550106 520 12000 SH OTHER 12000 0 0
KLM ROYAL DUTCH AIRLINES NY RE COMMON STOCK 482516101 33 1277 SH OTHER 1277 0 0
KOGER EQUITY INC REIT COMMON STOCK 500228101 2 100 SH OTHER 100 0 0
K2 INC COMMON STOCK 482732104 20 2280 SH OTHER 2280 0 0
LABORATORY CORP OF AMERICA HOL COMMON STOCK 50540R102 12 4500 SH DEFINED 4500 0 0
LANCASTER COLONY CORPORATION COMMON STOCK 513847103 32 1000 SH DEFINED 1000 0 0
LERNOUT & HAUSPIE SPEECH PRODU COMMON STOCK B5628B104 227 6500 SH DEFINED 6500 0 0
LIFECELL CORPORATION COMMON STOCK 531927101 4 700 SH DEFINED 700 0 0
LIFEPOINT HOSPITALS INC COMMON STOCK 53219L109 0 13 SH DEFINED 13 0 0
LINCOLN NATIONAL CORPORATION COMMON STOCK 534187109 15 408 SH DEFINED 408 0 0
LINDSAY MANUFACTURING COMPANY COMMON STOCK 535555106 15 750 SH DEFINED 750 0 0
LITTON INDUSTRIES INC COMMON STOCK 538021106 60 1092 SH OTHER 1092 0 0
LOCKHEED MARTIN CORPORATION COMMON STOCK 539830109 1098 33580 SH DEFINED 33435 0 145
LOCKHEED MARTIN CORPORATION COMMON STOCK 539830109 8 250 SH OTHER 250 0 0
LOWE'S COMPANIES INC COMMON STOCK 548661107 911 18694 SH DEFINED 16284 0 2410
LOWE'S COMPANIES INC COMMON STOCK 548661107 1685 34560 SH OTHER 34560 0 0
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 15488 238731 SH DEFINED 230284 1944 6503
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 4881 75234 SH OTHER 73938 1296 0
MADISON GAS & ELECTRIC COMPANY COMMON STOCK 557497104 111 5586 SH DEFINED 5586 0 0
MARSH & MCLENNAN COMPANIES INC COMMON STOCK 571748102 10293 150256 SH DEFINED 146922 0 3334
MARSH & MCLENNAN COMPANIES INC COMMON STOCK 571748102 2023 29527 SH OTHER 29417 110 0
MARTIN INDUSTRIES, INC COMMON STOCK 57326K102 253 126525 SH OTHER 126525 0 0
MASCO CORPORATION COMMON STOCK 574599106 11 340 SH DEFINED 340 0 0
MATTEL INCORPORATED COMMON STOCK 577081102 81 4275 SH DEFINED 4275 0 0
MAYTAG CORPORATION COMMON STOCK 578592107 537 16110 SH DEFINED 13720 0 2390
MAYTAG CORPORATION COMMON STOCK 578592107 707 21210 SH OTHER 21210 0 0
MBIA INCORPORATED COMMON STOCK 55262C100 231 4962 SH DEFINED 4032 0 930
MBIA INCORPORATED COMMON STOCK 55262C100 634 13600 SH OTHER 13600 0 0
MBNA CORPORATION COMMON STOCK 55262L100 51 2250 SH OTHER 2250 0 0
MCCORMICK & CO-NON VOTING SHAR COMMON STOCK 579780206 27 830 SH DEFINED 830 0 0
MCDONALD'S CORPORATION COMMON STOCK 580135101 471 10889 SH DEFINED 10889 0 0
MCDONALD'S CORPORATION COMMON STOCK 580135101 256 5920 SH OTHER 520 0 5400
MCGRAW-HILL COMPANIES INC COMMON STOCK 580645109 595 12310 SH DEFINED 12310 0 0
MCGRAW-HILL COMPANIES INC COMMON STOCK 580645109 58 1200 SH OTHER 1200 0 0
MCI WORLDCOM INC COMMON STOCK 55268B106 11582 161140 SH DEFINED 158285 0 2855
MCI WORLDCOM INC COMMON STOCK 55268B106 2668 37115 SH OTHER 34515 0 2600
MCMORAN EXPLORATION COMPANY COMMON STOCK 582411104 2 74 SH DEFINED 74 0 0
MCN ENERGY GROUP, INC. COMMON STOCK 55267J100 2 100 SH DEFINED 100 0 0
MEDIAONE GROUP, INC COMMON STOCK 58440J104 307 4499 SH DEFINED 4499 0 0
MEDIAONE GROUP, INC COMMON STOCK 58440J104 50 739 SH OTHER 739 0 0
MEDTRONIC INCORPORATED COMMON STOCK 585055106 146 4099 SH DEFINED 3099 0 1000
MELLON BANK CORPORATION COMMON STOCK 585509102 10821 321815 SH DEFINED 317485 300 4030
MELLON BANK CORPORATION COMMON STOCK 585509102 1876 55795 SH OTHER 55795 0 0
MERCK & COMPANY INC COMMON STOCK 589331107 12020 185460 SH DEFINED 180640 0 4820
MERCK & COMPANY INC COMMON STOCK 589331107 3482 53718 SH OTHER 50898 20 2800
MERRILL LYNCH & CO INC COMMON STOCK 590188108 147 2175 SH DEFINED 2175 0 0
MERRILL LYNCH & CO INC COMMON STOCK 590188108 175 2600 SH OTHER 600 0 2000
METHODE ELECTRONICS INC - CLAS COMMON STOCK 591520200 30 1600 SH OTHER 1600 0 0
MGIC INVESTMENT CORPORATION COMMON STOCK 552848103 115 2400 SH DEFINED 2400 0 0
MICROSOFT CORPORATION COMMON STOCK 594918104 3600 39755 SH DEFINED 39755 0 0
MICROSOFT CORPORATION COMMON STOCK 594918104 324 3575 SH OTHER 1475 0 2100
MINNESOTA MINING & MANUFACTURI COMMON STOCK 604059105 389 4050 SH DEFINED 4050 0 0
MOBIL CORPORATION COMMON STOCK 607059102 3109 30858 SH DEFINED 30403 0 455
MOBIL CORPORATION COMMON STOCK 607059102 666 6611 SH OTHER 6611 0 0
MOLEX INCORPORATED CLASS A COMMON STOCK 608554200 152 4686 SH DEFINED 4686 0 0
MONARCH DENTAL CORPORATION COMMON STOCK 609044102 3 1540 SH DEFINED 1540 0 0
MONSANTO COMPANY COMMON STOCK 611662107 847 23729 SH DEFINED 23729 0 0
MORGAN STANLEY DEAN WITTER & C COMMON STOCK 617446448 71 800 SH DEFINED 800 0 0
MORGAN STANLEY DEAN WITTER & C COMMON STOCK 617446448 28 312 SH OTHER 312 0 0
MOTOROLA INC COMMON STOCK 620076109 141 1600 SH DEFINED 1600 0 0
MOTOROLA INC COMMON STOCK 620076109 651 7400 SH OTHER 4800 0 2600
MSC.SOFTWARE CORP COMMON STOCK 553531104 27 4000 SH OTHER 4000 0 0
MYLAN LABORATORIES INCORPORATE COMMON STOCK 628530107 6 300 SH DEFINED 300 0 0
NATIONAL CITY CORPORATION COMMON STOCK 635405103 256 9600 SH DEFINED 9600 0 0
NATIONAL SERVICE INDUSTRIES IN COMMON STOCK 637657107 63 2000 SH DEFINED 0 0 2000
NCR CORPORATION COMMON STOCK 62886E108 24 733 SH DEFINED 733 0 0
NCR CORPORATION COMMON STOCK 62886E108 3 79 SH OTHER 79 0 0
NEW CENTURY ENERGIES INC COMMON STOCK 64352U103 6 190 SH DEFINED 190 0 0
NEW CENTURY ENERGIES INC COMMON STOCK 64352U103 66 1985 SH OTHER 0 1985 0
NEWPORT NEWS SHIPBUILDING INC COMMON STOCK 652228107 10 300 SH DEFINED 300 0 0
NIELSEN MEDIA RESEARCH COMMON STOCK 653929307 2 53 SH DEFINED 53 0 0
NIELSEN MEDIA RESEARCH COMMON STOCK 653929307 5 133 SH OTHER 133 0 0
NISOURCE INC COMMON STOCK 65473P105 222 10050 SH DEFINED 8080 0 1970
NOBLE AFFILIATES INC COMMON STOCK 654894104 44 1500 SH DEFINED 1500 0 0
NORFOLK SOUTHERN CORPORATION COMMON STOCK 655844108 172 7026 SH DEFINED 7026 0 0
NORFOLK SOUTHERN CORPORATION COMMON STOCK 655844108 443 18100 SH OTHER 18100 0 0
NORTEL NETWORKS CORP COMMON STOCK 656569100 12334 241850 SH DEFINED 237950 0 3900
NORTEL NETWORKS CORP COMMON STOCK 656569100 2289 44880 SH OTHER 44880 0 0
NORTHERN BORDER PARTNERS L P COMMON STOCK 664785102 377 13000 SH OTHER 13000 0 0
NORTHERN STATES POWER COMPANY COMMON STOCK 665772109 122 5650 SH OTHER 5650 0 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102 133 2100 SH OTHER 0 0 2100
NSTAR COMMON STOCK 67019E107 26 677 SH DEFINED 677 0 0
OCCIDENTAL PETROLEUM CORPORATI COMMON STOCK 674599105 411 17792 SH DEFINED 16992 0 800
OCCIDENTAL PETROLEUM CORPORATI COMMON STOCK 674599105 43 1850 SH OTHER 1600 250 0
OCEAN ENERGY INC COMMON STOCK 67481E106 13 1300 SH DEFINED 1300 0 0
OLD REPUBLIC INTERNATIONAL COR COMMON STOCK 680223104 61 4248 SH OTHER 4248 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 10109 127659 SH DEFINED 125389 0 2270
OMNICOM GROUP INC COMMON STOCK 681919106 2470 31195 SH OTHER 31195 0 0
ONEOK INC COMMON STOCK 682680103 18 600 SH DEFINED 600 0 0
ONTRO INC COMMON STOCK 683380109 28 15000 SH DEFINED 15000 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 1156 25415 SH DEFINED 25115 0 300
ORACLE CORPORATION COMMON STOCK 68389X105 407 8950 SH OTHER 400 150 8400
PACIFICORP COMMON STOCK 695114108 159 7905 SH DEFINED 6850 0 1055
PAPA JOHN'S INTERNATIONAL INC COMMON STOCK 698813102 62 1500 SH DEFINED 1500 0 0
PARAMETRIC TECHNOLOGY COMPANY COMMON STOCK 699173100 27 2000 SH OTHER 2000 0 0
PECO ENERGY COMPANY COMMON STOCK 693304107 2 52 SH DEFINED 52 0 0
PECO ENERGY COMPANY COMMON STOCK 693304107 38 1000 SH OTHER 1000 0 0
PENNZOIL-QUAKER STATE COMPANY COMMON STOCK 709323109 1 96 SH OTHER 96 0 0
PEPSICO INC COMMON STOCK 713448108 107 3512 SH DEFINED 3212 0 300
PEPSICO INC COMMON STOCK 713448108 336 11000 SH OTHER 2200 0 8800
PFIZER INCORPORATED COMMON STOCK 717081103 12303 342941 SH DEFINED 338711 600 3630
PFIZER INCORPORATED COMMON STOCK 717081103 3761 104825 SH OTHER 104225 600 0
PG&E CORPORATION COMMON STOCK 69331C108 45 1750 SH DEFINED 1750 0 0
PHARMACIA & UPJOHN INC COMMON STOCK 716941109 247 4985 SH DEFINED 4985 0 0
PHARMACIA & UPJOHN INC COMMON STOCK 716941109 169 3400 SH OTHER 0 0 3400
PHILIP MORRIS COMPANIES INC COMMON STOCK 718154107 1342 39247 SH DEFINED 38557 0 690
PHILIP MORRIS COMPANIES INC COMMON STOCK 718154107 125 3648 SH OTHER 3623 25 0
PHILLIPS PETROLEUM COMPANY COMMON STOCK 718507106 240 4920 SH DEFINED 4920 0 0
PIEDMONT NATURAL GAS INC COMMON STOCK 720186105 25 820 SH DEFINED 820 0 0
PITNEY BOWES INC COMMON STOCK 724479100 25 405 SH DEFINED 135 0 270
PLUM CREEK TIMBER COMPANY INC COMMON STOCK 729251108 47 1500 SH OTHER 1500 0 0
PNC BANK CORP COMMON STOCK 693475105 1740 33022 SH DEFINED 32887 0 135
PNC BANK CORP COMMON STOCK 693475105 50 950 SH OTHER 900 50 0
POGO PRODUCING COMPANY COMMON STOCK 730448107 3 150 SH DEFINED 150 0 0
POOL ENERGY SERVICES COMPANY COMMON STOCK 732788104 0 15 SH OTHER 15 0 0
POPE & TALBOT INC COMMON STOCK 732827100 7 530 SH OTHER 530 0 0
POTOMAC ELECTRIC POWER COMPANY COMMON STOCK 737679100 11 448 SH DEFINED 448 0 0
POTOMAC ELECTRIC POWER COMPANY COMMON STOCK 737679100 10 400 SH OTHER 400 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 240 4000 SH DEFINED 4000 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 420 7000 SH OTHER 7000 0 0
PRAXAIR INC COMMON STOCK 74005P104 2 45 SH DEFINED 45 0 0
PREMARK INTERNATIONAL INC COMMON STOCK 740459102 6 112 SH DEFINED 112 0 0
PREMARK INTERNATIONAL INC COMMON STOCK 740459102 76 1500 SH OTHER 1500 0 0
PRIMARK CORPORATION COMMON STOCK 741903108 1 50 SH DEFINED 50 0 0
PRIVATE MEDIA GROUP INC COMMON STOCK 74266R104 3 200 SH DEFINED 200 0 0
PROCTER & GAMBLE COMPANY COMMON STOCK 742718109 18067 192714 SH DEFINED 189594 0 3120
PROCTER & GAMBLE COMPANY COMMON STOCK 742718109 3599 38391 SH OTHER 35626 65 2700
PROTECTIVE LIFE CORPORATION COMMON STOCK 743674103 12 400 SH DEFINED 400 0 0
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK 744573106 1 31 SH DEFINED 31 0 0
QMS INCORPORATED COMMON STOCK 74726G102 17 4830 SH OTHER 4830 0 0
QUEST EDUCATION CORPORATION COMMON STOCK 74835F102 32 4000 SH OTHER 4000 0 0
R & B FALCON CORP COMMON STOCK 74912E101 2 188 SH OTHER 188 0 0
RALCORP HLDGS INC NEW COMMON STOCK 751028101 166 9396 SH OTHER 9396 0 0
RALSTON-RALSTON PURINA GROUP COMMON STOCK 751277302 2451 87945 SH OTHER 87945 0 0
RAYMOND JAMES FINANCIAL INC COMMON STOCK 754730109 160 8015 SH DEFINED 8015 0 0
RAYTHEON COMPANY - CLASS A COMMON STOCK 755111309 160 3303 SH DEFINED 2962 0 341
RAYTHEON COMPANY - CLASS A COMMON STOCK 755111309 4 76 SH OTHER 76 0 0
RAYTHEON COMPANY - CLASS B COMMON STOCK 755111408 109 2200 SH OTHER 2200 0 0
REALTY INCOME CORPORATION - RE COMMON STOCK 756109104 27 1187 SH DEFINED 0 0 1187
REGIONS FINANCIAL CORPORATION COMMON STOCK 758940100 203 6759 SH DEFINED 4559 0 2200
RELIANT ENERGY INC COMMON STOCK 75952J108 261 9655 SH DEFINED 9655 0 0
RELIANT ENERGY INC COMMON STOCK 75952J108 168 6203 SH OTHER 6203 0 0
RELIASTAR FINANCIAL CORPORATIO COMMON STOCK 75952U103 9 268 SH DEFINED 268 0 0
REPUBLIC GROUP INC COMMON STOCK 760473108 12 850 SH DEFINED 850 0 0
RESOURCE AMERICA INC - CLASS A COMMON STOCK 761195205 21 2800 SH OTHER 2800 0 0
REYNOLDS METALS COMPANY COMMON STOCK 761763101 16 258 SH DEFINED 258 0 0
ROCKWELL INTERNATIONAL CORPORA COMMON STOCK 773903109 14 268 SH DEFINED 268 0 0
ROYAL DUTCH PETROLEUM CO - NY COMMON STOCK 780257804 2939 49759 SH DEFINED 49759 0 0
ROYAL DUTCH PETROLEUM CO - NY COMMON STOCK 780257804 10 163 SH OTHER 163 0 0
SAFEWAY INC COMMON STOCK 786514208 55 1435 SH DEFINED 1435 0 0
SAFEWAY INC COMMON STOCK 786514208 15 400 SH OTHER 400 0 0
SARA LEE CORPORATION COMMON STOCK 803111103 125 5350 SH DEFINED 5350 0 0
SARA LEE CORPORATION COMMON STOCK 803111103 187 8000 SH OTHER 8000 0 0
SAUL CENTERS INC - REIT COMMON STOCK 804395101 44 2800 SH DEFINED 2800 0 0
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 11016 215727 SH DEFINED 211427 400 3900
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 2492 48804 SH OTHER 48804 0 0
SCANA CORPORATION COMMON STOCK 805898103 63 2600 SH DEFINED 2600 0 0
SCHERING-PLOUGH CORPORATION COMMON STOCK 806605101 295 6770 SH DEFINED 6770 0 0
SCHERING-PLOUGH CORPORATION COMMON STOCK 806605101 1396 32000 SH OTHER 32000 0 0
SCHLUMBERGER LIMITED COMMON STOCK 806857108 11362 182347 SH DEFINED 180024 0 2323
SCHLUMBERGER LIMITED COMMON STOCK 806857108 1747 28041 SH OTHER 26241 0 1800
SCHWEITZER-MAUDUIT INTERNATION COMMON STOCK 808541106 0 8 SH DEFINED 8 0 0
SCI SYSTEMS INC COMMON STOCK 783890106 20 450 SH DEFINED 450 0 0
SEARS ROEBUCK & CO COMMON STOCK 812387108 59 1877 SH DEFINED 1877 0 0
SEARS ROEBUCK & CO COMMON STOCK 812387108 27 852 SH OTHER 852 0 0
SEMPRA ENERGY COMMON STOCK 816851109 32 1554 SH DEFINED 1554 0 0
SERVICE CORPORATION INTERNATIO COMMON STOCK 817565104 2 170 SH DEFINED 0 0 170
SERVICE CORPORATION INTERNATIO COMMON STOCK 817565104 2 200 SH OTHER 200 0 0
SHARED MEDICAL SYSTEMS CORPORA COMMON STOCK 819486101 56 1200 SH OTHER 1200 0 0
SHERWIN WILLIAMS COMPANY COMMON STOCK 824348106 8 400 SH DEFINED 400 0 0
SINGER COMPANY N.V. COMMON STOCK 82930F109 4 3300 SH OTHER 3300 0 0
SOLECTRON CORPORATION COMMON STOCK 834182107 10392 144704 SH DEFINED 142559 0 2145
SOLECTRON CORPORATION COMMON STOCK 834182107 1765 24580 SH OTHER 24580 0 0
SOLUTIA INC COMMON STOCK 834376105 64 3595 SH DEFINED 3595 0 0
SONAT INC COMMON STOCK 835415100 50 1268 SH OTHER 0 1268 0
SONIC CORPORATION COMMON STOCK 835451105 171 5627 SH DEFINED 5627 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 1618 62830 SH DEFINED 61855 0 975
SOUTHERN COMPANY COMMON STOCK 842587107 125 4855 SH OTHER 3645 210 1000
SOUTHTRUST CORPORATION COMMON STOCK 844730101 12647 352542 SH DEFINED 18078 0 334464
SOUTHTRUST CORPORATION COMMON STOCK 844730101 1788 49838 SH OTHER 49838 0 0
SOUTHWEST AIRLINES COMPANY COMMON STOCK 844741108 8146 536390 SH DEFINED 529550 450 6390
SOUTHWEST AIRLINES COMPANY COMMON STOCK 844741108 1106 72799 SH OTHER 72799 0 0
SPRINT CORP (PCS GROUP) COMMON STOCK 852061506 1401 18789 SH DEFINED 18304 0 485
SPRINT CORP (PCS GROUP) COMMON STOCK 852061506 87 1167 SH OTHER 1092 0 75
SPRINT CORPORATION COMMON STOCK 852061100 10324 190295 SH DEFINED 186525 0 3770
SPRINT CORPORATION COMMON STOCK 852061100 3118 57475 SH OTHER 57475 0 0
SPX CORPORATION COMMON STOCK 784635104 2 26 SH DEFINED 26 0 0
ST JOE COMPANY COMMON STOCK 790148100 2 100 SH DEFINED 100 0 0
ST PAUL COMPANIES INC COMMON STOCK 792860108 16 564 SH OTHER 564 0 0
STANDARD PRODUCTS COMPANY COMMON STOCK 853836104 21 580 SH OTHER 580 0 0
STAPLES INC. COMMON STOCK 855030102 793 36356 SH DEFINED 31212 0 5144
STAPLES INC. COMMON STOCK 855030102 1381 63305 SH OTHER 63305 0 0
STARWOOD HOTELS & RESORTS WORL COMMON STOCK 85590A203 5 204 SH DEFINED 204 0 0
STATE STREET CORPORATION COMMON STOCK 857477103 8 120 SH DEFINED 120 0 0
STATE STREET CORPORATION COMMON STOCK 857477103 129 2000 SH OTHER 0 0 2000
STEWART & STEVENSON SERVICES I COMMON STOCK 860342104 43 3280 SH OTHER 3280 0 0
STRATUS PROPERTIES, INC COMMON STOCK 863167102 1 179 SH DEFINED 179 0 0
SUMMIT BANCSHARES INC COMMON STOCK 866011109 7 400 SH DEFINED 200 0 200
SUN MICROSYSTEMS INC COMMON STOCK 866810104 11917 128135 SH DEFINED 128135 0 0
SUNTRUST BANKS INC COMMON STOCK 867914103 53 800 SH DEFINED 0 0 800
SUNTRUST BANKS INC COMMON STOCK 867914103 118 1800 SH OTHER 1800 0 0
SUPERVALU INC COMMON STOCK 868536103 13 600 SH DEFINED 600 0 0
SUPERVALU INC COMMON STOCK 868536103 154 7000 SH OTHER 7000 0 0
SYNOVUS FINANCIAL CORPORATION COMMON STOCK 87161C105 140 7500 SH DEFINED 0 0 7500
SYNOVUS FINANCIAL CORPORATION COMMON STOCK 87161C105 110 5911 SH OTHER 5911 0 0
SYSCO CORPORATION COMMON STOCK 871829107 1062 30290 SH DEFINED 29915 0 375
SYSCO CORPORATION COMMON STOCK 871829107 109 3103 SH OTHER 3003 0 100
TECHNOLOGY SOLUTIONS COMPANY COMMON STOCK 87872T108 49 3500 SH OTHER 3500 0 0
TECO ENERGY INC COMMON STOCK 872375100 57 2716 SH DEFINED 2716 0 0
TELLABS INC COMMON STOCK 879664100 171 3000 SH DEFINED 3000 0 0
TEMPLE-INLAND INC COMMON STOCK 879868107 83 1365 SH DEFINED 1365 0 0
TEMPLE-INLAND INC COMMON STOCK 879868107 10 170 SH OTHER 170 0 0
TENNECO INC COMMON STOCK 88037E101 41 2403 SH DEFINED 2403 0 0
TENNECO INC COMMON STOCK 88037E101 10 569 SH OTHER 569 0 0
TEXACO INC COMMON STOCK 881694103 134 2124 SH DEFINED 2124 0 0
TEXACO INC COMMON STOCK 881694103 233 3684 SH OTHER 3684 0 0
TEXAS INDUSTRIES INC COMMON STOCK 882491103 157 4250 SH DEFINED 4250 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 1983 24110 SH DEFINED 23480 0 630
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 79 960 SH OTHER 830 130 0
TEXAS PACIFIC LAND TRUST COMMON STOCK 882610108 15 325 SH DEFINED 325 0 0
TEXAS UTILITIES COMPANY COMMON STOCK 882848104 269 7216 SH DEFINED 7216 0 0
TEXAS UTILITIES COMPANY COMMON STOCK 882848104 134 3600 SH OTHER 3600 0 0
TEXTRON INCORPORATED COMMON STOCK 883203101 1066 13776 SH DEFINED 13776 0 0
TEXTRON INCORPORATED COMMON STOCK 883203101 29 375 SH OTHER 375 0 0
THE B F GOODRICH COMPANY COMMON STOCK 382388106 70 2400 SH DEFINED 2400 0 0
THE BANC CORPORATION COMMON STOCK 05944B103 238 20000 SH DEFINED 20000 0 0
THE LIMITED INC COMMON STOCK 532716107 2 64 SH DEFINED 64 0 0
THE STANLEY WORKS COMMON STOCK 854616109 60 2400 SH OTHER 2400 0 0
THE WALT DISNEY COMPANY COMMON STOCK 254687106 466 17908 SH DEFINED 17408 500 0
THE WALT DISNEY COMPANY COMMON STOCK 254687106 613 23589 SH OTHER 15589 500 7500
TIME WARNER INC COMMON STOCK 887315109 9305 153172 SH DEFINED 149042 0 4130
TIME WARNER INC COMMON STOCK 887315109 1762 29010 SH OTHER 29010 0 0
TIMKEN COMPANY COMMON STOCK 887389104 1 80 SH DEFINED 80 0 0
TOO INC COMMON STOCK 890333107 0 9 SH DEFINED 9 0 0
TORCHMARK CORPORATION COMMON STOCK 891027104 15420 595951 SH DEFINED 595951 0 0
TORO COMPANY COMMON STOCK 891092108 31 820 SH OTHER 820 0 0
TRANSPORTATION TECHNOLOGIES IN COMMON STOCK 89388T101 17 1000 SH OTHER 1000 0 0
TRIAD HOSPITALS INC COMMON STOCK 89579K109 0 13 SH DEFINED 13 0 0
TRIBUNE COMPANY COMMON STOCK 896047107 246 4950 SH DEFINED 4950 0 0
TRIBUNE COMPANY COMMON STOCK 896047107 2 50 SH OTHER 50 0 0
TRICON GLOBAL RESTAURANTS INC COMMON STOCK 895953107 8 200 SH DEFINED 200 0 0
TRW INC COMMON STOCK 872649108 159 3200 SH DEFINED 3200 0 0
TRW INC COMMON STOCK 872649108 119 2400 SH OTHER 2400 0 0
TUPPERWARE CORPORATION COMMON STOCK 899896104 2 112 SH DEFINED 112 0 0
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 13768 133349 SH DEFINED 130174 1050 2125
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 2909 28170 SH OTHER 27820 350 0
TYLER TECHNOLOGIES INC COMMON STOCK 902252105 22 5000 SH OTHER 5000 0 0
UGI CORPORATION COMMON STOCK 902681105 14 600 SH DEFINED 600 0 0
UNICOM CORPORATION COMMON STOCK 904911104 37 1000 SH OTHER 1000 0 0
UNILEVER NV COMMON STOCK 904784709 191 2803 SH OTHER 0 0 2803
UNION CARBIDE CORPORATION COMMON STOCK 905581104 253 4445 SH DEFINED 4445 0 0
UNION PACIFIC CORPORATION COMMON STOCK 907818108 365 7600 SH DEFINED 7600 0 0
UNION PACIFIC CORPORATION COMMON STOCK 907818108 91 1889 SH OTHER 1889 0 0
UNION PACIFIC RESOURCES GROUP COMMON STOCK 907834105 105 6436 SH DEFINED 6436 0 0
UNION PACIFIC RESOURCES GROUP COMMON STOCK 907834105 26 1599 SH OTHER 1599 0 0
UNION PLANTERS CORPORATION COMMON STOCK 908068109 48 1181 SH DEFINED 1181 0 0
UNISYS CORPORATION COMMON STOCK 909214108 10473 232085 SH DEFINED 228865 0 3220
UNISYS CORPORATION COMMON STOCK 909214108 1681 37250 SH OTHER 37250 0 0
UNITED ILLUMINATING COMPANY COMMON STOCK 910637107 73 1500 SH DEFINED 1500 0 0
UNITED TECHNOLOGIES CORPORATIO COMMON STOCK 913017109 1546 26065 SH DEFINED 26065 0 0
UNITED TECHNOLOGIES CORPORATIO COMMON STOCK 913017109 1805 30430 SH OTHER 30430 0 0
UNITRIN INC COMMON STOCK 913275103 515 14820 SH DEFINED 14820 0 0
UNIVISION COMMUNICATIONS INC - COMMON STOCK 914906102 5 66 SH DEFINED 66 0 0
UNOVA INC COMMON STOCK 91529B106 15 1092 SH OTHER 1092 0 0
US WEST INC COMMON STOCK 91273H101 587 10280 SH DEFINED 8420 0 1860
US WEST INC COMMON STOCK 91273H101 106 1858 SH OTHER 1858 0 0
VESTA INSURANCE GROUP INC COMMON STOCK 925391104 5 1000 SH DEFINED 0 0 1000
W.R. GRACE & CO COMMON STOCK 38388F108 38 2300 SH OTHER 2300 0 0
WACHOVIA CORPORATION COMMON STOCK 929771103 255 3240 SH DEFINED 3240 0 0
WACHOVIA CORPORATION COMMON STOCK 929771103 57 720 SH OTHER 720 0 0
WADDELL & REED FINANCIAL - CL COMMON STOCK 930059209 3111 145563 SH DEFINED 145563 0 0
WADDELL & REED FINANCIAL-A COMMON STOCK 930059100 751 33839 SH DEFINED 33839 0 0
WAL MART STORES INC COMMON STOCK 931142103 13114 275728 SH DEFINED 273523 0 2205
WAL MART STORES INC COMMON STOCK 931142103 2418 50840 SH OTHER 48290 150 2400
WALNUT FINANCIAL SERVICES INC COMMON STOCK 932723208 51 22618 SH DEFINED 22618 0 0
WARNER LAMBERT COMPANY COMMON STOCK 934488107 1952 29415 SH DEFINED 29215 200 0
WARNER LAMBERT COMPANY COMMON STOCK 934488107 418 6300 SH OTHER 1300 0 5000
WASHINGTON MUTUAL INC COMMON STOCK 939322103 10 337 SH DEFINED 337 0 0
WASTE MANAGEMENT, INC. COMMON STOCK 94106L109 6 308 SH DEFINED 308 0 0
WASTE MANAGEMENT, INC. COMMON STOCK 94106L109 1 72 SH OTHER 72 0 0
WATSON PHARMACEUTICALS INC COMMON STOCK 942683103 13 425 SH DEFINED 425 0 0
WATSON PHARMACEUTICALS INC COMMON STOCK 942683103 6 200 SH OTHER 200 0 0
WEATHERFORD INTERNATIONAL COMMON STOCK 947074100 6 179 SH OTHER 179 0 0
WEBS GERMANY INDEX SERIES COMMON STOCK 92923H608 95 4555 SH OTHER 4555 0 0
WEBS JAPAN INDEX SERIES COMMON STOCK 92923H889 204 14623 SH DEFINED 14623 0 0
WEBS JAPAN INDEX SERIES COMMON STOCK 92923H889 70 5000 SH OTHER 5000 0 0
WEBS UNITED KINGDOM INDEX SERI COMMON STOCK 92923H798 93 4590 SH OTHER 4590 0 0
WELLMAN INC COMMON STOCK 949702104 32 1790 SH OTHER 1790 0 0
WELLS FARGO COMPANY COMMON STOCK 949746101 23 590 SH DEFINED 590 0 0
WESTERN RES INC COMMON STOCK 959425109 3 145 SH DEFINED 145 0 0
WESTVACO CORPORATION COMMON STOCK 961548104 6 225 SH DEFINED 225 0 0
WEYERHAEUSER COMPANY COMMON STOCK 962166104 161 2795 SH DEFINED 2795 0 0
WEYERHAEUSER COMPANY COMMON STOCK 962166104 21 360 SH OTHER 360 0 0
WHIRLPOOL CORPORATION COMMON STOCK 963320106 11 167 SH DEFINED 167 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100 426 11329 SH DEFINED 10819 0 510
WILLIAMS COMPANIES INC COMMON STOCK 969457100 88 2340 SH OTHER 2340 0 0
WINN-DIXIE STORES INC COMMON STOCK 974280109 64 2172 SH DEFINED 2172 0 0
WISCONSIN ENERGY CORPORATION COMMON STOCK 976657106 250 10665 SH DEFINED 10665 0 0
WM. WRIGLEY JR COMPANY COMMON STOCK 982526105 172 2500 SH DEFINED 2500 0 0
XEROX CORPORATION COMMON STOCK 984121103 151 3600 SH DEFINED 3600 0 0
XEROX CORPORATION COMMON STOCK 984121103 214 5100 SH OTHER 1000 0 4100
XILINX INC COMMON STOCK 983919101 29 445 SH DEFINED 445 0 0
YAHOO INC COMMON STOCK 984332106 99 550 SH DEFINED 350 0 200
ZILA INC COMMON STOCK 989513205 17 5000 SH DEFINED 0 0 5000
7-ELEVEN INC COMMON STOCK 817826100 24 12000 SH DEFINED 6000 0 6000
AEGON N V ORD AMER REG COMMON STOCK 007924103 261 3015 SH OTHER 3015 0 0
ASTRAZENECA GROUP PLC - SP ADR COMMON STOCK 046353108 11 252 SH DEFINED 252 0 0
BP AMOCO PLC-SP ADR COMMON STOCK 055622104 346 3121 SH DEFINED 3121 0 0
BP AMOCO PLC-SP ADR COMMON STOCK 055622104 747 6737 SH OTHER 5337 0 1400
DAIMLER-CHRYSLER AG-ADR COMMON STOCK D1668R123 941 13545 SH DEFINED 13076 0 469
DAIMLER-CHRYSLER AG-ADR COMMON STOCK D1668R123 63 902 SH OTHER 902 0 0
ERICSSON LM TEL SPONS ADR COMMON STOCK 294821400 38 1200 SH DEFINED 1200 0 0
ERICSSON LM TEL SPONS ADR COMMON STOCK 294821400 25 800 SH OTHER 800 0 0
GALLAHER GROUP PLC UNSPON ADR COMMON STOCK 363595109 48 1760 SH DEFINED 1760 0 0
GALLAHER GROUP PLC UNSPON ADR COMMON STOCK 363595109 49 1800 SH OTHER 1800 0 0
GLAXO WELLCOME PLC SPONS ADR COMMON STOCK 37733W105 42 800 SH DEFINED 800 0 0
GLAXO WELLCOME PLC SPONS ADR COMMON STOCK 37733W105 16 310 SH OTHER 310 0 0
HOECHST AG - SPONS ADR COMMON STOCK 434390308 17 400 SH OTHER 400 0 0
MEDEVA PLC - SPONS ADR COMMON STOCK 58410H203 119 13750 SH OTHER 13750 0 0
NOKIA CORP - SPONS ADR "A" COMMON STOCK 654902204 108 1200 SH DEFINED 600 0 600
SHELL TRANSPORT & TRADING-SPON COMMON STOCK 822703609 214 4700 SH OTHER 0 0 4700
VODAFONE AIRTOUCH PLC COMMON STOCK 92857T107 512 2153 SH DEFINED 1993 0 160
VODAFONE AIRTOUCH PLC COMMON STOCK 92857T107 100 419 SH OTHER 419 0 0
NATIONAL DATA CORP 5.000% 11 OTHER 635621AA3 86 100000 PRN OTHER N.A. N.A. N.A.
KELLSTROM CONV NTS 5.500% 6 OTHER 488035AE6 34 50000 PRN OTHER N.A. N.A. N.A.
QUINTILES TRANS NTS 4.250% 5 OTHER 748767AC4 2 2000 PRN DEFINED N.A. N.A. N.A.
IMC GLOBAL INC WARRANTS EXP 12 OTHER 449669118 0 99 SH DEFINED 99 0 0
ONTRO INC - WARRANTS 5 OTHER 683380117 6 15000 SH DEFINED 15000 0 0
MSDW INSURED MUNI TRUST MUTUAL OTHER 61745P866 25 1829 SH DEFINED N.A. N.A. N.A.
ACM GOVERNMENT SECURITIES FD-C OTHER 000914101 7 1000 SH OTHER 1000 0 0
ADAMS EXPRESS COMPANY-CLSD END OTHER 006212104 88 3057 SH DEFINED 3057 0 0
ALLIANCE WORLD DOLLAR GOVERNME OTHER 01879R106 6 665 SH DEFINED 665 0 0
BLACKROCK TARGET TERM TRUST-CL OTHER 092476100 10 1000 SH DEFINED 1000 0 0
BLACKROCK TARGET TERM TRUST-CL OTHER 092476100 13 1400 SH OTHER 1400 0 0
CENTRAL SECURITIES CORP OTHER 155123102 1 25 SH DEFINED 25 0 0
COLONIAL MUNICIPAL INCOME TRUS OTHER 195799101 4 717 SH DEFINED 717 0 0
GABELLI UTILITY TRUST OTHER 36240A101 2 210 SH DEFINED 210 0 0
INVESTMENT GRADE MUNICIPAL INC OTHER 461368102 7 500 SH DEFINED 500 0 0
JOHN HANCOCK BK & THT OPP FD/C OTHER 409735107 17 2000 SH DEFINED 2000 0 0
LIBERTY ALL STAR EQUITY FD-CLS OTHER 530158104 4 306 SH DEFINED 306 0 0
MANAGED MUNI PORTFOLIO INC/CLS OTHER 561662107 97 10000 SH DEFINED 10000 0 0
MFS INTER INCOME TR OTHER 55273C107 45 7000 SH DEFINED 7000 0 0
MFS MUNICIPAL INCOME TRUST OTHER 552738106 2 272 SH DEFINED 272 0 0
MUNIHOLDINGS INSURED FUND OTHER 625930102 21 1700 SH DEFINED 1700 0 0
NUVEEN INSD MUNI OPPTY FD-CLSD OTHER 670984103 43 3124 SH OTHER 3124 0 0
NUVEEN MUN MKT OPPTY FD-CLSD E OTHER 67062W103 12 800 SH OTHER 800 0 0
NUVEEN MUNI VALUE FUND - CLSD OTHER 670928100 0 50 SH DEFINED 50 0 0
NUVEEN MUNI VALUE FUND - CLSD OTHER 670928100 17 2000 SH OTHER 2000 0 0
NUVEEN PERF PLUSMUNI FUND CLSD OTHER 67062P108 10 800 SH OTHER 800 0 0
NUVEEN SELECT MATY MUNI FD-CLS OTHER 67061T101 45 4383 SH OTHER 4383 0 0
NUVEEN SELECT QLTY MUNI FD/CLS OTHER 670973106 8 600 SH OTHER 600 0 0
OXFORD TAX EXEMPT FUND II CLSD OTHER 69181P100 12 500 SH DEFINED 500 0 0
SALOMON BROTHERS FUND INC - CL OTHER 795477108 85 4511 SH DEFINED 4511 0 0
STANDARD & POORS MIDCAP 400 DE OTHER 595635103 14 193 SH OTHER 193 0 0
THE MANAGED HIGH YIELD FUND OTHER 56166E101 5 500 SH DEFINED 500 0 0
TRI-CONTINENTAL CORPORATION - OTHER 895436103 111 3779 SH DEFINED 3779 0 0
VAN KAMPEN MUNICIPAL TRUST OTHER 920919107 6 400 SH DEFINED 400 0 0
</TABLE>
