<PAGE> 1
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 6/30/00
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 *ENTER INVESTMENT MANAGER N
ADDRESS: 701 S. 32nd St. *ENTER
1ST FLOOR *ENTER
BIRMINGHAM *ENTER, AL 35233
FORM 13F FILE NUMBER: 028-02440
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 7/3/00
REPORT TYPE (CHECK ONLY ONE.):
( X) 13F HOLDINGS REPORT
<PAGE> 2
( ) 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.
FORM 13F SUMMARY PAGE
REPORT SUMMARY:
NUMBER OF OTHER INCLUDED MANAGERS: 0
FORM 13F INFORMATION TABLE ENTRY TOTAL: 692
FORM 13F INFORMATION TABLE VALUE TOTAL: $952,416
<PAGE> 3
<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> <S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
A T & T CORPORATION COMMON STOCK 001957109 2102 66464 SH DEFINED 64412 0 2052
A T & T CORPORATION COMMON STOCK 001957109 805 25462 SH OTHER 25262 0 200
ABBOTT LABORATORIES COMMON STOCK 002824100 913 20493 SH DEFINED 20493 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 134 3000 SH OTHER 3000 0 0
ABERCROMBIE & FITCH COMPANY - COMMON STOCK 002896207 0 2 SH DEFINED 2 0 0
ADAPTEC INC COMMON STOCK 00651F108 156 6850 SH DEFINED 6850 0 0
ADAPTEC INC COMMON STOCK 00651F108 1 60 SH OTHER 60 0 0
AES CORPORATION COMMON STOCK 00130H105 62 1350 SH DEFINED 1350 0 0
AES CORPORATION COMMON STOCK 00130H105 2 50 SH OTHER 50 0 0
AETNA INC COMMON STOCK 008117103 5 75 SH DEFINED 75 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 181 2459 SH DEFINED 2459 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 87 1179 SH OTHER 1179 0 0
AGRIBRANDS INTERNATIONAL COMMON STOCK 00849R105 120 2868 SH OTHER 2868 0 0
ALABAMA NATIONAL BANCORPORATIO COMMON STOCK 010317105 99 5000 SH DEFINED 0 0 5000
ALABAMA NATIONAL BANCORPORATIO COMMON STOCK 010317105 40 2000 SH OTHER 2000 0 0
ALANCO ENVIRON RESOURCES CORP COMMON STOCK 011612405 15 7212 SH DEFINED 7212 0 0
ALBERTSONS INC COMMON STOCK 013104104 33 1000 SH DEFINED 1000 0 0
ALCOA INC COMMON STOCK 013817101 12624 435296 SH DEFINED 432196 0 3100
ALCOA INC COMMON STOCK 013817101 2024 69800 SH OTHER 69600 0 200
ALLEGHENY ENERGY INC COMMON STOCK 017361106 16 600 SH DEFINED 600 0 0
ALLEGHENY TECHNOLOGIES INC COMMON STOCK 01741R102 190 10564 SH DEFINED 10564 0 0
ALLERGAN INC COMMON STOCK 018490102 12871 172770 SH DEFINED 171370 0 1400
ALLERGAN INC COMMON STOCK 018490102 3379 45353 SH OTHER 45353 0 0
ALLIANCE CAPITAL MANAGEMENT HO COMMON STOCK 01855A101 1699 35825 SH DEFINED 34855 0 970
ALLIANCE CAPITAL MANAGEMENT HO COMMON STOCK 01855A101 63 1320 SH OTHER 1140 0 180
ALLIANT ENERGY CORP COMMON STOCK 018802108 16 600 SH OTHER 600 0 0
ALLIED RISER COMMUNICATIONS CO COMMON STOCK 019496108 3 200 SH OTHER 200 0 0
ALLSTATE CORPORATION COMMON STOCK 020002101 93 4184 SH DEFINED 4184 0 0
ALLSTATE CORPORATION COMMON STOCK 020002101 35 1578 SH OTHER 1578 0 0
ALLTEL CORPORATION COMMON STOCK 020039103 306 4942 SH DEFINED 4942 0 0
ALLTEL CORPORATION COMMON STOCK 020039103 250 4033 SH OTHER 4033 0 0
ALTERA CORP COMMON STOCK 021441100 302 2960 SH DEFINED 2960 0 0
ALTERA CORP COMMON STOCK 021441100 41 400 SH OTHER 400 0 0
AMCAST INDUSTRIAL CORPORATION COMMON STOCK 023395106 10 1100 SH OTHER 1100 0 0
AMEREN CORPORATION COMMON STOCK 023608102 10 309 SH DEFINED 309 0 0
AMERICA ONLINE INCORPORATED COMMON STOCK 02364J104 485 9196 SH DEFINED 9196 0 0
AMERICA ONLINE INCORPORATED COMMON STOCK 02364J104 134 2534 SH OTHER 2534 0 0
AMERICAN ELECTRIC POWER INC COMMON STOCK 025537101 57 1936 SH DEFINED 976 0 960
AMERICAN EXPRESS COMPANY COMMON STOCK 025816109 2013 38628 SH DEFINED 38058 0 570
AMERICAN EXPRESS COMPANY COMMON STOCK 025816109 231 4440 SH OTHER 2385 0 2055
AMERICAN GENERAL CORPORATION COMMON STOCK 026351106 1533 25128 SH DEFINED 25128 0 0
AMERICAN GENERAL CORPORATION COMMON STOCK 026351106 408 6684 SH OTHER 4084 0 2600
</TABLE>
<PAGE> 4
<TABLE>
<S> <S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
AMERICAN GREETINGS CORPORATION COMMON STOCK 026375105 21 1100 SH DEFINED 1100 0 0
AMERICAN HOME PRODUCTS CORPORA COMMON STOCK 026609107 1997 33991 SH DEFINED 33991 0 0
AMERICAN HOME PRODUCTS CORPORA COMMON STOCK 026609107 473 8044 SH OTHER 8044 0 0
AMERICAN INTERNATIONAL GROUP I COMMON STOCK 026874107 18462 157125 SH DEFINED 155980 0 1145
AMERICAN INTERNATIONAL GROUP I COMMON STOCK 026874107 3594 30590 SH OTHER 27147 0 3443
AMERICAN WATER WORKS COMPANY I COMMON STOCK 030411102 5 200 SH DEFINED 200 0 0
AMERITRADE HOLDING CORP-CLASS COMMON STOCK 03072H109 3 300 SH DEFINED 300 0 0
AMETEK INC COMMON STOCK 031100100 7 400 SH OTHER 400 0 0
AMGEN INCORPORATED COMMON STOCK 031162100 370 5267 SH DEFINED 2867 0 2400
AMGEN INCORPORATED COMMON STOCK 031162100 21 300 SH OTHER 300 0 0
AMSOUTH BANCORPORATION COMMON STOCK 032165102 596 37820 SH DEFINED 27820 0 10000
AMSOUTH BANCORPORATION COMMON STOCK 032165102 297 18850 SH OTHER 4500 0 14350
ANADARKO PETEROLEUM CORPORATIO COMMON STOCK 032511107 33 660 SH DEFINED 660 0 0
ANALOG DEVICES, INC. COMMON STOCK 032654105 8 100 SH OTHER 100 0 0
ANHEUSER BUSCH COMPANY INC COMMON STOCK 035229103 25327 339101 SH DEFINED 337851 0 1250
ANHEUSER BUSCH COMPANY INC COMMON STOCK 035229103 2990 40028 SH OTHER 40028 0 0
AON CORPORATION COMMON STOCK 037389103 692 22275 SH OTHER 22275 0 0
APPLE COMPUTERS INCORPORATED COMMON STOCK 037833100 26 500 SH DEFINED 500 0 0
APPLIED MATERIALS INCORPORATED COMMON STOCK 038222105 10083 111263 SH DEFINED 110643 0 620
APPLIED MATERIALS INCORPORATED COMMON STOCK 038222105 1861 20540 SH OTHER 20540 0 0
APPLIED MICRO CIRCUITS CORP COMMON STOCK 03822W109 77 775 SH DEFINED 110 0 665
ARCHER DANIELS MIDLAND COMPANY COMMON STOCK 039483102 20 2082 SH DEFINED 2082 0 0
ARGONAUT GROUP INC COMMON STOCK 040157109 28 1650 SH DEFINED 1650 0 0
ARVIN INDUSTRIES INCORPORATED COMMON STOCK 043339100 7 390 SH OTHER 390 0 0
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 17 784 SH DEFINED 784 0 0
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 72 3214 SH OTHER 314 0 2900
AT HOME CORP COMMON STOCK 045919107 21 1000 SH DEFINED 1000 0 0
AT&T CORP-LIBERTY MEDIA GROUP COMMON STOCK 001957208 175 7230 SH DEFINED 5230 0 2000
AT&T WIRELESS GROUP COMMON STOCK 001957406 135 4850 SH OTHER 1150 0 3700
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 1071 19992 SH DEFINED 19542 0 450
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 33 610 SH OTHER 525 0 85
AVERY DENNISON CORPORATION COMMON STOCK 053611109 44 652 SH DEFINED 652 0 0
AVISTA CORP COMMON STOCK 05379B107 3 150 SH DEFINED 150 0 0
AXA FINANCIAL INC COMMON STOCK 002451102 2 64 SH DEFINED 64 0 0
BAKER HUGHES INCORPORATED COMMON STOCK 057224107 2 75 SH DEFINED 75 0 0
BAKER HUGHES INCORPORATED COMMON STOCK 057224107 94 2948 SH OTHER 2948 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 218 5061 SH DEFINED 4061 0 1000
BANK OF AMERICA CORP COMMON STOCK 060505104 89 2073 SH OTHER 2073 0 0
BANK OF NEW YORK COMPANY INC COMMON STOCK 064057102 1615 34725 SH DEFINED 34010 0 715
BANK OF NEW YORK COMPANY INC COMMON STOCK 064057102 46 985 SH OTHER 850 0 135
BANK ONE CORPORATION COMMON STOCK 06423A103 875 32950 SH DEFINED 32400 0 550
BANK ONE CORPORATION COMMON STOCK 06423A103 24 915 SH OTHER 790 0 125
BARRICK GOLD CORPORATION COMMON STOCK 067901108 36 2000 SH DEFINED 0 0 2000
BATTLE MOUNTAIN GOLD COMPANY COMMON STOCK 071593107 0 144 SH OTHER 144 0 0
BAUSCH & LOMB INC COMMON STOCK 071707103 24 306 SH DEFINED 306 0 0
BAUSCH & LOMB INC COMMON STOCK 071707103 124 1600 SH OTHER 1600 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 1717 24424 SH DEFINED 23944 0 480
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 350 4972 SH OTHER 1672 0 3300
</TABLE>
<PAGE> 5
<TABLE>
<S> <S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
BELL ATLANTIC CORPORATION COMMON STOCK 077853109 1751 34461 SH DEFINED 33171 0 1290
BELL ATLANTIC CORPORATION COMMON STOCK 077853109 505 9932 SH OTHER 9832 0 100
BELLSOUTH CORPORATION COMMON STOCK 079860102 1479 34692 SH DEFINED 33252 0 1440
BELLSOUTH CORPORATION COMMON STOCK 079860102 288 6768 SH OTHER 6768 0 0
BERKSHIRE HATHAWAY INC - CLASS COMMON STOCK 084670108 108 2 SH DEFINED 2 0 0
BERKSHIRE HATHAWAY INC - CLASS COMMON STOCK 084670207 380 216 SH DEFINED 216 0 0
BESTFOODS COMMON STOCK 08658U101 10 140 SH DEFINED 140 0 0
BETHLEHEM STEEL CORPORATION COMMON STOCK 087509105 0 50 SH DEFINED 50 0 0
BHA GROUP HOLDINGS INC COMMON STOCK 055446108 4 399 SH DEFINED 399 0 0
BIOMET INCORPORATED COMMON STOCK 090613100 2 57 SH OTHER 57 0 0
BLACK AND DECKER CORPORATION COMMON STOCK 091797100 43 1100 SH DEFINED 1100 0 0
BLACK HILLS CORP COMMON STOCK 092113109 3 150 SH DEFINED 150 0 0
BMC SOFTWARE INC COMMON STOCK 055921100 36 1000 SH DEFINED 1000 0 0
BOEING COMPANY COMMON STOCK 097023105 108 2580 SH DEFINED 1580 0 1000
BOEING COMPANY COMMON STOCK 097023105 26 630 SH OTHER 630 0 0
BOSTON SCIENTIFIC CORPORATION COMMON STOCK 101137107 66 3000 SH DEFINED 3000 0 0
BRISTOL-MYERS SQUIBB COMPANY COMMON STOCK 110122108 13388 229832 SH DEFINED 228432 0 1400
BRISTOL-MYERS SQUIBB COMPANY COMMON STOCK 110122108 3811 65422 SH OTHER 65422 0 0
BUCKEYE PARTNERS LP COMMON STOCK 118230101 402 15000 SH OTHER 15000 0 0
BURLINGTON NORTHERN SANTA FE COMMON STOCK 12189T104 165 7200 SH DEFINED 7200 0 0
BURLINGTON NORTHERN SANTA FE COMMON STOCK 12189T104 13 570 SH OTHER 570 0 0
BURLINGTON RESOURCES INCORPORA COMMON STOCK 122014103 50 1296 SH OTHER 1296 0 0
CALPINE CORP COMMON STOCK 131347106 10831 164725 SH DEFINED 163625 0 1100
CALPINE CORP COMMON STOCK 131347106 2289 34820 SH OTHER 34820 0 0
CAMPBELL SOUP COMPANY COMMON STOCK 134429109 29 1000 SH DEFINED 1000 0 0
CAMPBELL SOUP COMPANY COMMON STOCK 134429109 29 1000 SH OTHER 1000 0 0
CAPSTEAD MORTGAGE CORP-REIT COMMON STOCK 14067E407 1 168 SH OTHER 168 0 0
CARNIVAL CORP COMMON COMMON STOCK 143658102 20 1000 SH DEFINED 1000 0 0
CATERPILLAR INCORPORATED COMMON STOCK 149123101 41 1200 SH DEFINED 1200 0 0
CATERPILLAR INCORPORATED COMMON STOCK 149123101 54 1600 SH OTHER 1600 0 0
CELANESE AG COMMON STOCK D1497A101 1 40 SH OTHER 40 0 0
CENTURYTEL INC COMMON STOCK 156700106 6 225 SH DEFINED 225 0 0
CENTURYTEL INC COMMON STOCK 156700106 129 4500 SH OTHER 4500 0 0
CHARLES SCHWAB INCORPORATED COMMON STOCK 808513105 98 2911 SH DEFINED 2911 0 0
CHASE MANHATTAN CORPORATION COMMON STOCK 16161A108 1590 34521 SH DEFINED 33209 0 1312
CHASE MANHATTAN CORPORATION COMMON STOCK 16161A108 246 5347 SH OTHER 600 0 4747
CHEVRON CORPORATION COMMON STOCK 166751107 1402 16532 SH DEFINED 16532 0 0
CHEVRON CORPORATION COMMON STOCK 166751107 1024 12072 SH OTHER 12072 0 0
CINERGY CORPORATION COMMON STOCK 172474108 39 1545 SH DEFINED 1545 0 0
CISCO SYSTEMS INCORPORATED COMMON STOCK 17275R102 23241 365633 SH DEFINED 359093 0 6540
CISCO SYSTEMS INCORPORATED COMMON STOCK 17275R102 10926 171888 SH OTHER 166888 0 5000
CITIGROUP INC COMMON STOCK 172967101 18069 299898 SH DEFINED 297448 0 2450
CITIGROUP INC COMMON STOCK 172967101 4357 72320 SH OTHER 67970 0 4350
CITIZENS COMMUNICATIONS CO COMMON STOCK 17453B101 43 2508 SH DEFINED 2508 0 0
CLOROX COMPANY COMMON STOCK 189054109 36 800 SH DEFINED 800 0 0
CNBT BANKSHARES INC COMMON STOCK 125972109 80 6000 SH DEFINED 6000 0 0
COASTAL CORPORATION COMMON STOCK 190441105 8680 142582 SH DEFINED 141432 0 1150
COASTAL CORPORATION COMMON STOCK 190441105 2109 34640 SH OTHER 34640 0 0
</TABLE>
<PAGE> 6
<TABLE>
<S> <S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
COCA-COLA COMPANY COMMON STOCK 191216100 2813 48983 SH DEFINED 48983 0 0
COCA-COLA COMPANY COMMON STOCK 191216100 596 10370 SH OTHER 6670 0 3700
COLGATE PALMOLIVE COMPANY COMMON STOCK 194162103 282 4710 SH DEFINED 4710 0 0
COLGATE PALMOLIVE COMPANY COMMON STOCK 194162103 527 8800 SH OTHER 8800 0 0
COLONIAL BANCGROUP, INC. COMMON STOCK 195493309 46 5064 SH OTHER 5064 0 0
COLUMBIA ENERGY GROUP COMMON STOCK 197648108 23 348 SH DEFINED 348 0 0
COMPAQ COMPUTER CORPORATION COMMON STOCK 204493100 548 21450 SH DEFINED 19450 0 2000
COMPAQ COMPUTER CORPORATION COMMON STOCK 204493100 186 7270 SH OTHER 3420 0 3850
COMPASS BANCSHARES INC COMMON STOCK 20449H109 27917 1636140 SH DEFINED 1325446 0 310694
COMPASS BANCSHARES INC COMMON STOCK 20449H109 1002 58711 SH OTHER 17414 0 41297
COMPUTER SCIENCES CORPORATION COMMON STOCK 205363104 97 1300 SH DEFINED 1300 0 0
COMVERSE TECHNOLOGY INC COMMON STOCK 205862402 10792 116041 SH DEFINED 115841 0 200
COMVERSE TECHNOLOGY INC COMMON STOCK 205862402 521 5600 SH OTHER 5600 0 0
CONAGRA INC COMMON STOCK 205887102 111 5800 SH DEFINED 5800 0 0
CONEXANT SYSTEMS INC COMMON STOCK 207142100 13 268 SH DEFINED 268 0 0
CONOCO INC-CLASS B COMMON STOCK 208251405 6 244 SH OTHER 244 0 0
CONSECO INCORPORATED COMMON STOCK 208464107 1 100 SH OTHER 100 0 0
CONSOLIDATED EDISON, INC COMMON STOCK 209115104 90 3022 SH DEFINED 3022 0 0
CONSOLIDATED EDISON, INC COMMON STOCK 209115104 19 656 SH OTHER 656 0 0
CONSTELLATION ENERGY GROUP COMMON STOCK 210371100 46 1400 SH DEFINED 1400 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 141 4260 SH DEFINED 2660 0 1600
CREDENCE SYSTEMS CORP COMMON STOCK 225302108 156 2822 SH DEFINED 2822 0 0
CRESCENT REAL ESTATE EQUITIES COMMON STOCK 225756105 1343 65495 SH DEFINED 64515 0 980
CRESCENT REAL ESTATE EQUITIES COMMON STOCK 225756105 30 1440 SH OTHER 1325 0 115
CSX CORPORATION COMMON STOCK 126408103 39 1850 SH DEFINED 1850 0 0
CYBEX COMPUTER PRODUCTS CORP COMMON STOCK 232522102 114 2700 SH DEFINED 2700 0 0
CYTEC INDUSTRIES INC COMMON STOCK 232820100 2 86 SH DEFINED 86 0 0
DANA CORPORATION COMMON STOCK 235811106 85 4000 SH DEFINED 4000 0 0
DELL COMPUTER CORPORATION COMMON STOCK 247025109 287 5817 SH DEFINED 5817 0 0
DELL COMPUTER CORPORATION COMMON STOCK 247025109 75 1530 SH OTHER 1530 0 0
DELPHI AUTOMOTIVE SYSTEMS CORP COMMON STOCK 247126105 237 16245 SH DEFINED 16245 0 0
DELPHI AUTOMOTIVE SYSTEMS CORP COMMON STOCK 247126105 33 2251 SH OTHER 2251 0 0
DENALI INC COMMON STOCK 248221103 1 500 SH OTHER 500 0 0
DEVON ENERGY CORP COMMON STOCK 25179M103 1 21 SH DEFINED 21 0 0
DEVON ENERGY CORP COMMON STOCK 25179M103 2 42 SH OTHER 42 0 0
DOMINION RESOURCES INC COMMON STOCK 25746U109 4 98 SH DEFINED 98 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 1099 36393 SH DEFINED 35793 0 600
DOW CHEMICAL COMPANY COMMON STOCK 260543103 147 4869 SH OTHER 4794 0 75
DQE INC COMMON STOCK 23329J104 2 45 SH DEFINED 45 0 0
DUKE ENERGY CORPORATION COMMON STOCK 264399106 402 7126 SH DEFINED 7126 0 0
DUKE ENERGY CORPORATION COMMON STOCK 264399106 37 662 SH OTHER 662 0 0
DURA AUTOMOTIVE SYSTEMS INC COMMON STOCK 265903104 10 912 SH OTHER 912 0 0
E.I.DU PONT DE NEMOURS & COMPA COMMON STOCK 263534109 4752 108609 SH DEFINED 108609 0 0
E.I.DU PONT DE NEMOURS & COMPA COMMON STOCK 263534109 1997 45641 SH OTHER 44241 0 1400
EASTMAN KODAK COMPANY COMMON STOCK 277461109 74 1247 SH DEFINED 1247 0 0
EASTMAN KODAK COMPANY COMMON STOCK 277461109 164 2761 SH OTHER 2761 0 0
EATON CORPORATION COMMON STOCK 278058102 101 1500 SH DEFINED 1500 0 0
ECHOSTAR COMMUNICATIONS CORP COMMON STOCK 278762109 73 2200 SH DEFINED 470 0 1730
</TABLE>
<PAGE> 7
<TABLE>
<S> <S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
EDISON INTERNATIONAL COMMON STOCK 281020107 21 1000 SH DEFINED 1000 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 8 400 SH OTHER 400 0 0
EDWARDS LIFESCIENCES CORP COMMON STOCK 28176E108 4 200 SH DEFINED 200 0 0
EDWARDS LIFESCIENCES CORP COMMON STOCK 28176E108 3 170 SH OTHER 170 0 0
EL PASO ENERGY CORPORATION COMMON STOCK 283905107 15 292 SH DEFINED 292 0 0
EL PASO ENERGY CORPORATION COMMON STOCK 283905107 67 1318 SH OTHER 50 0 1268
ELECTRONIC DATA SYSTEMS CORPOR COMMON STOCK 285661104 237 5752 SH DEFINED 5752 0 0
ELECTRONIC DATA SYSTEMS CORPOR COMMON STOCK 285661104 104 2525 SH OTHER 125 0 2400
ELI LILLY & COMPANY COMMON STOCK 532457108 581 5816 SH DEFINED 5816 0 0
ELI LILLY & COMPANY COMMON STOCK 532457108 699 7000 SH OTHER 7000 0 0
EMC CORPORATION COMMON STOCK 268648102 19599 254740 SH DEFINED 251600 0 3140
EMC CORPORATION COMMON STOCK 268648102 6109 79400 SH OTHER 79400 0 0
EMERSON ELECTRIC COMPANY COMMON STOCK 291011104 118 1961 SH DEFINED 1961 0 0
EMERSON ELECTRIC COMPANY COMMON STOCK 291011104 181 3000 SH OTHER 3000 0 0
ENCOMPASS SERVICES CORP COMMON STOCK 29255U104 62 10859 SH DEFINED 10859 0 0
ENERGEN CORPORATION COMMON STOCK 29265N108 13 600 SH DEFINED 600 0 0
ENERGEN CORPORATION COMMON STOCK 29265N108 4 200 SH OTHER 200 0 0
ENERGIZER HOLDINGS INC COMMON STOCK 29266R108 535 29315 SH OTHER 29315 0 0
ENERGY EAST CORP. COMMON STOCK 29266M109 60 3161 SH OTHER 3161 0 0
ENRON CORPORATION COMMON STOCK 293561106 10356 160555 SH DEFINED 158860 0 1695
ENRON CORPORATION COMMON STOCK 293561106 2927 45383 SH OTHER 45383 0 0
ENSCO INTERNATIONAL INC COMMON STOCK 26874Q100 2 50 SH OTHER 50 0 0
ENTERGY CORPORATION COMMON STOCK 29364G103 45 1646 SH DEFINED 1646 0 0
ENTERGY CORPORATION COMMON STOCK 29364G103 7 260 SH OTHER 260 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 10 300 SH DEFINED 300 0 0
EQUITABLE RESOURCES INC COMMON STOCK 294549100 489 10125 SH OTHER 10125 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 25207 321107 SH DEFINED 319149 0 1958
EXXON MOBIL CORP COMMON STOCK 30231G102 8309 105850 SH OTHER 103750 0 2100
FANNIE MAE COMMON STOCK 313586109 366 7017 SH DEFINED 7017 0 0
FANNIE MAE COMMON STOCK 313586109 287 5495 SH OTHER 795 0 4700
FIFTH THIRD BANCORP COMMON STOCK 316773100 67 1063 SH DEFINED 1063 0 0
FIRST DATA CORPORATION COMMON STOCK 319963104 9 178 SH DEFINED 178 0 0
FIRST UNION CORPORATION COMMON STOCK 337358105 25 1000 SH DEFINED 1000 0 0
FIRST UNION CORPORATION COMMON STOCK 337358105 206 8300 SH OTHER 8300 0 0
FIRSTCITY FINANCIAL CORPORATIO COMMON STOCK 33761X107 2 1200 SH DEFINED 1200 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 0 17 SH DEFINED 17 0 0
FLEETBOSTON FINANCIAL CORP COMMON STOCK 339030108 37 1090 SH DEFINED 1090 0 0
FLORIDA PROGRESS CORP COMMON STOCK 341109106 28 600 SH DEFINED 600 0 0
FLORSHEIM GROUP INC COMMON STOCK 343302105 0 5 SH DEFINED 5 0 0
FORD MOTOR COMPANY COMMON STOCK 345370100 11436 265963 SH DEFINED 264763 0 1200
FORD MOTOR COMPANY COMMON STOCK 345370100 1585 36865 SH OTHER 36865 0 0
FORTUNE BRANDS INC COMMON STOCK 349631101 37 1600 SH DEFINED 1600 0 0
FORTUNE BRANDS INC COMMON STOCK 349631101 42 1800 SH OTHER 1800 0 0
FPL GROUP INC COMMON STOCK 302571104 1097 22160 SH DEFINED 21645 0 515
FPL GROUP INC COMMON STOCK 302571104 35 700 SH OTHER 605 0 95
FREDDIE MAC COMMON STOCK 313400301 8 186 SH DEFINED 186 0 0
FURNITURE BRANDS INTERNATIONAL COMMON STOCK 360921100 0 33 SH DEFINED 33 0 0
GANNETT COMPANY INC COMMON STOCK 364730101 269 4500 SH DEFINED 4500 0 0
</TABLE>
<PAGE> 8
<TABLE>
<S> <S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
GAP INC COMMON STOCK 364760108 43 1369 SH DEFINED 1369 0 0
GAP INC COMMON STOCK 364760108 5 175 SH OTHER 175 0 0
GARTNER GROUP INC-B COMMON STOCK 366651206 1 104 SH OTHER 104 0 0
GENERAL ELECTRIC COMPANY COMMON STOCK 369604103 32617 615413 SH DEFINED 608498 0 6915
GENERAL ELECTRIC COMPANY COMMON STOCK 369604103 11926 225015 SH OTHER 216375 0 8640
GENERAL MILLS INC COMMON STOCK 370334104 100 2620 SH DEFINED 2620 0 0
GENERAL MILLS INC COMMON STOCK 370334104 117 3062 SH OTHER 3062 0 0
GENERAL MOTORS CORPORATION COMMON STOCK 370442105 1403 24155 SH DEFINED 24155 0 0
GENERAL MOTORS CORPORATION COMMON STOCK 370442105 309 5324 SH OTHER 5324 0 0
GENERAL MOTORS CORPORATION - C COMMON STOCK 370442832 105 3588 SH DEFINED 3588 0 0
GENZYME CORPORATION - TISSUE R COMMON STOCK 372917401 0 40 SH OTHER 40 0 0
GEORGIA-PACIFIC GROUP COMMON STOCK 373298108 149 5666 SH DEFINED 5666 0 0
GEORGIA-PACIFIC TIMBER GROUP COMMON STOCK 373298702 7 333 SH DEFINED 333 0 0
GILLETTE COMPANY COMMON STOCK 375766102 96 2748 SH DEFINED 2748 0 0
GILLETTE COMPANY COMMON STOCK 375766102 233 6664 SH OTHER 1464 0 5200
GLOBAL CROSSING LTD COMMON STOCK G3921A100 26 1000 SH DEFINED 1000 0 0
GLOBALSTAR TELECOMMUNICATIONS COMMON STOCK G3930H104 9 1000 SH DEFINED 1000 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 77 810 SH DEFINED 150 0 660
GPU INC COMMON STOCK 36225X100 40 1460 SH DEFINED 1460 0 0
GPU INC COMMON STOCK 36225X100 43 1600 SH OTHER 1600 0 0
GRANT PRIDECO INC COMMON STOCK 38821G101 4 179 SH OTHER 179 0 0
GTE CORPORATION COMMON STOCK 362320103 547 8788 SH DEFINED 8788 0 0
GTE CORPORATION COMMON STOCK 362320103 775 12444 SH OTHER 12444 0 0
H J HEINZ COMPANY COMMON STOCK 423074103 69 1575 SH DEFINED 1575 0 0
H J HEINZ COMPANY COMMON STOCK 423074103 70 1607 SH OTHER 1607 0 0
HALLIBURTON COMPANY COMMON STOCK 406216101 516 10935 SH DEFINED 10935 0 0
HALLIBURTON COMPANY COMMON STOCK 406216101 23 480 SH OTHER 480 0 0
HARBOR FLA BANCSHARES INC COMMON STOCK 411901101 5 500 SH DEFINED 0 0 500
HARMONIC LIGHTWAVES INC COMMON STOCK 413160102 25 1000 SH DEFINED 1000 0 0
HCA-THE HEALTHCARE CO COMMON STOCK 404119109 8 265 SH DEFINED 265 0 0
HCC INSURANCE HOLDINGS INC COMMON STOCK 404132102 113 6000 SH DEFINED 6000 0 0
HEALTHSOUTH CORPORATION COMMON STOCK 421924101 58 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 323 2590 SH DEFINED 2590 0 0
HEWLETT PACKARD COMPANY COMMON STOCK 428236103 612 4900 SH OTHER 3100 0 1800
HOME DEPOT INC COMMON STOCK 437076102 1136 22745 SH DEFINED 20495 0 2250
HOME DEPOT INC COMMON STOCK 437076102 243 4869 SH OTHER 825 0 4044
HOME-STAKE OIL & GAS COMPANY COMMON STOCK 437356108 12 1125 SH OTHER 1125 0 0
HOMESEEKERS.COM INC COMMON STOCK 437605108 15 5000 SH DEFINED 5000 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 104 3081 SH DEFINED 3081 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 179 5312 SH OTHER 3012 0 2300
HOSPITALITY PROPERTIES TRUST - COMMON STOCK 44106M102 16 700 SH DEFINED 700 0 0
HOUSEHOLD INTERNATIONAL INC COMMON STOCK 441815107 138 3319 SH DEFINED 3319 0 0
HOUSEHOLD INTERNATIONAL INC COMMON STOCK 441815107 2 42 SH OTHER 42 0 0
HOWELL CORPORATION COMMON STOCK 443051107 1 150 SH OTHER 150 0 0
IBP INC COMMON STOCK 449223106 27 1770 SH DEFINED 1770 0 0
IDEC PHARMACEUTICALS CORP COMMON STOCK 449370105 21 175 SH DEFINED 175 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 8 148 SH DEFINED 148 0 0
</TABLE>
<PAGE> 9
<TABLE>
<S> <S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 69 1212 SH OTHER 1212 0 0
IMATRON INC COMMON STOCK 452906100 1 500 SH OTHER 500 0 0
IMCO RECYCLING INC COMMON STOCK 449681105 3 552 SH OTHER 552 0 0
IMPERIAL SUGAR COMPANY COMMON STOCK 453096109 0 100 SH DEFINED 100 0 0
IMPERIAL SUGAR COMPANY COMMON STOCK 453096109 1 1000 SH OTHER 1000 0 0
IMS HEALTH INC - W/I COMMON STOCK 449934108 14 800 SH OTHER 800 0 0
INDEPENDENCE CMNTY BK CORP COMMON STOCK 453414104 36 2700 SH DEFINED 2700 0 0
INTEL CORPORATION COMMON STOCK 458140100 3587 26831 SH DEFINED 26676 0 155
INTEL CORPORATION COMMON STOCK 458140100 1403 10495 SH OTHER 6065 0 4430
INTERNATIONAL BUSINESS MACHINE COMMON STOCK 459200101 18285 166887 SH DEFINED 165137 0 1750
INTERNATIONAL BUSINESS MACHINE COMMON STOCK 459200101 5284 48230 SH OTHER 46730 0 1500
INTERNATIONAL PAPER COMPANY COMMON STOCK 460146103 28 944 SH DEFINED 944 0 0
INTERNATIONAL SPEEDWAY CORP COMMON STOCK 460335201 290 7000 SH DEFINED 0 0 7000
INTERPUBLIC GROUP OF COMPANIES COMMON STOCK 460690100 3 80 SH DEFINED 80 0 0
INVISION TECHNOLOGIES INC COMMON STOCK 461851107 9 2000 SH OTHER 2000 0 0
IPC HOLDINGS LIMITED COMMON STOCK G4933P101 10 686 SH DEFINED 686 0 0
IT GROUP INC COMMON STOCK 465266104 6 1250 SH DEFINED 1250 0 0
J C PENNEY INCORPORATED COMMON STOCK 708160106 8 450 SH OTHER 450 0 0
J P MORGAN & COMPANY INC COMMON STOCK 616880100 13696 124369 SH DEFINED 123762 0 607
J P MORGAN & COMPANY INC COMMON STOCK 616880100 1726 15672 SH OTHER 15672 0 0
JDS UNIPHASE CORP COMMON STOCK 46612J101 10626 88643 SH DEFINED 88203 0 440
JDS UNIPHASE CORP COMMON STOCK 46612J101 1380 11515 SH OTHER 11515 0 0
JEFFERSON-PILOT CORPPORATION COMMON STOCK 475070108 20 360 SH DEFINED 360 0 0
JMAR TECHNOLOGIES INC COMMON STOCK 466212107 461 90000 SH OTHER 90000 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1379 13539 SH DEFINED 13539 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1589 15600 SH OTHER 13300 0 2300
KANEB PIPELINE PARTNERS L.P. COMMON STOCK 484169107 317 13000 SH OTHER 13000 0 0
KANSAS CITY POWER & LIGHT COMP COMMON STOCK 485134100 68 3000 SH OTHER 3000 0 0
KELLOGG COMPANY COMMON STOCK 487836108 12 400 SH DEFINED 400 0 0
KEY PRODUCTION COMPANY INC COMMON STOCK 493138101 7 416 SH DEFINED 416 0 0
KEYCORP COMMON STOCK 493267108 21 1200 SH DEFINED 1200 0 0
KEYCORP COMMON STOCK 493267108 11 630 SH OTHER 630 0 0
KEYSTONE CONSOLIDATED INDUSTRI COMMON STOCK 493422109 42 11200 SH DEFINED 11200 0 0
KIMBERLY-CLARK CORPORATION COMMON STOCK 494368103 219 3824 SH DEFINED 3824 0 0
KINDER MORGAN ENERGY PARTNERS COMMON STOCK 494550106 28 695 SH DEFINED 695 0 0
KINDER MORGAN ENERGY PARTNERS COMMON STOCK 494550106 479 12000 SH OTHER 12000 0 0
KOGER EQUITY INC REIT COMMON STOCK 500228101 2 100 SH OTHER 100 0 0
KONINKLIJKE (ROYAL) PHILIPS EL COMMON STOCK 500472204 1164 24515 SH DEFINED 23735 0 780
KONINKLIJKE (ROYAL) PHILIPS EL COMMON STOCK 500472204 65 1360 SH OTHER 1180 0 180
K2 INC COMMON STOCK 482732104 13 1540 SH OTHER 1540 0 0
LABORATORY CORP OF AMERICA HLD COMMON STOCK 50540R409 35 450 SH DEFINED 450 0 0
LEHMAN BROTHERS HOLDINGS, INC COMMON STOCK 524908100 132 1400 SH OTHER 0 0 1400
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
LITTON INDUSTRIES INC COMMON STOCK 538021106 46 1092 SH OTHER 1092 0 0
LOCKHEED MARTIN CORPORATION COMMON STOCK 539830109 664 26760 SH DEFINED 26615 0 145
LOEWS CORPORATION COMMON STOCK 540424108 18 300 SH DEFINED 300 0 0
</TABLE>
<PAGE> 10
<TABLE>
<S> <S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
LORAL SPACE & COMMUNICATIONS COMMON STOCK G56462107 7 1000 SH DEFINED 1000 0 0
LOWE'S COMPANIES INC COMMON STOCK 548661107 21 500 SH OTHER 500 0 0
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 1505 25399 SH DEFINED 24079 0 1320
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 1815 30640 SH OTHER 28540 0 2100
M.A. HANNA COMPANY COMMON STOCK 410522106 20 2240 SH OTHER 2240 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106 57 3187 SH DEFINED 3187 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106 121 6808 SH OTHER 6808 0 0
MARSH & MCLENNAN COMPANIES INC COMMON STOCK 571748102 16749 160371 SH DEFINED 158769 0 1602
MARSH & MCLENNAN COMPANIES INC COMMON STOCK 571748102 3232 30947 SH OTHER 30887 0 60
MARTIN INDUSTRIES, INC COMMON STOCK 57326K102 182 126525 SH OTHER 126525 0 0
MAYTAG CORPORATION COMMON STOCK 578592107 43 1175 SH DEFINED 1175 0 0
MAYTAG CORPORATION COMMON STOCK 578592107 2 60 SH OTHER 60 0 0
MBIA INCORPORATED COMMON STOCK 55262C100 51 1050 SH DEFINED 1050 0 0
MBIA INCORPORATED COMMON STOCK 55262C100 655 13600 SH OTHER 13600 0 0
MBNA CORPORATION COMMON STOCK 55262L100 79 2925 SH OTHER 2925 0 0
MCCORMICK & CO-NON VOTING SHAR COMMON STOCK 579780206 27 830 SH DEFINED 830 0 0
MCDONALD'S CORPORATION COMMON STOCK 580135101 260 7908 SH DEFINED 7908 0 0
MCDONALD'S CORPORATION COMMON STOCK 580135101 17 520 SH OTHER 520 0 0
MCGRAW-HILL COMPANIES INC COMMON STOCK 580645109 626 11600 SH DEFINED 11600 0 0
MCGRAW-HILL COMPANIES INC COMMON STOCK 580645109 46 846 SH OTHER 846 0 0
MCMORAN EXPLORATION COMPANY COMMON STOCK 582411104 0 24 SH DEFINED 24 0 0
MCN ENERGY GROUP, INC. COMMON STOCK 55267J100 2 100 SH DEFINED 100 0 0
MEDIAONE GROUP, INC COMMON STOCK 58440J104 196 2948 SH DEFINED 2948 0 0
MEDIAONE GROUP, INC COMMON STOCK 58440J104 33 500 SH OTHER 500 0 0
MEDIMMUNE INC COMMON STOCK 584699102 11881 160557 SH DEFINED 159462 0 1095
MEDIMMUNE INC COMMON STOCK 584699102 2318 31325 SH OTHER 31325 0 0
MEDTRONIC INCORPORATED COMMON STOCK 585055106 431 8662 SH DEFINED 6662 0 2000
MEDTRONIC INCORPORATED COMMON STOCK 585055106 249 5000 SH OTHER 200 0 4800
MELLON FINANCIAL CORPORATION COMMON STOCK 58551A108 11024 302541 SH DEFINED 300631 0 1910
MELLON FINANCIAL CORPORATION COMMON STOCK 58551A108 2205 60511 SH OTHER 60511 0 0
MERCK & COMPANY INC COMMON STOCK 589331107 14559 190005 SH DEFINED 187855 0 2150
MERCK & COMPANY INC COMMON STOCK 589331107 4217 55028 SH OTHER 52128 0 2900
MERRILL LYNCH & CO INC COMMON STOCK 590188108 295 2567 SH DEFINED 2567 0 0
MERRILL LYNCH & CO INC COMMON STOCK 590188108 253 2200 SH OTHER 200 0 2000
MICROSOFT CORPORATION COMMON STOCK 594918104 2730 34129 SH DEFINED 34129 0 0
MICROSOFT CORPORATION COMMON STOCK 594918104 510 6375 SH OTHER 3275 0 3100
MIDDLESEX WATER COMPANY COMMON STOCK 596680108 6 200 SH DEFINED 200 0 0
MILACRON INC COMMON STOCK 598709103 25 1690 SH OTHER 1690 0 0
MINNESOTA MINING & MANUFACTURI COMMON STOCK 604059105 1644 19930 SH DEFINED 19645 0 285
MINNESOTA MINING & MANUFACTURI COMMON STOCK 604059105 31 370 SH OTHER 320 0 50
MITCHELL ENERGY & DEVELOPMENT COMMON STOCK 606592202 145 4500 SH DEFINED 4500 0 0
MOLEX INCORPORATED CLASS A COMMON STOCK 608554200 205 5858 SH DEFINED 5858 0 0
MORGAN STANLEY DEAN WITTER & C COMMON STOCK 617446448 1241 14901 SH DEFINED 14501 0 400
MORGAN STANLEY DEAN WITTER & C COMMON STOCK 617446448 97 1164 SH OTHER 1094 0 70
MOTOROLA INC COMMON STOCK 620076109 13103 450868 SH DEFINED 446028 0 4840
MOTOROLA INC COMMON STOCK 620076109 2308 79430 SH OTHER 71480 0 7950
MYLAN LABORATORIES INCORPORATE COMMON STOCK 628530107 5 300 SH DEFINED 300 0 0
NABORS INDUSTRIES INC COMMON STOCK 629568106 1 14 SH OTHER 14 0 0
</TABLE>
<PAGE> 11
<TABLE>
<S> <S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
NATIONAL CITY CORPORATION COMMON STOCK 635405103 158 9250 SH DEFINED 9250 0 0
NATIONAL SERVICE INDUSTRIES IN COMMON STOCK 637657107 40 2000 SH DEFINED 0 0 2000
NCR CORPORATION COMMON STOCK 62886E108 6 143 SH DEFINED 143 0 0
NCR CORPORATION COMMON STOCK 62886E108 1 38 SH OTHER 38 0 0
NEW CENTURY ENERGIES INC COMMON STOCK 64352U103 6 190 SH DEFINED 190 0 0
NEW CENTURY ENERGIES INC COMMON STOCK 64352U103 60 1985 SH OTHER 1985 0 0
NEW YORK TIMES COMPANY-CLASS A COMMON STOCK 650111107 1111 28125 SH DEFINED 27450 0 675
NEW YORK TIMES COMPANY-CLASS A COMMON STOCK 650111107 35 875 SH OTHER 755 0 120
NEXTEL COMMUNICATIONS INC - CL COMMON STOCK 65332V103 11143 182110 SH DEFINED 181250 0 860
NEXTEL COMMUNICATIONS INC - CL COMMON STOCK 65332V103 1358 22200 SH OTHER 22200 0 0
NISOURCE INC COMMON STOCK 65473P105 44 2340 SH DEFINED 2340 0 0
NOBLE DRILLING CORPORATION COMMON STOCK 655042109 8168 198320 SH DEFINED 197050 0 1270
NOBLE DRILLING CORPORATION COMMON STOCK 655042109 1350 32775 SH OTHER 32775 0 0
NORFOLK SOUTHERN CORPORATION COMMON STOCK 655844108 38 2526 SH DEFINED 2526 0 0
NORFOLK SOUTHERN CORPORATION COMMON STOCK 655844108 269 18100 SH OTHER 18100 0 0
NORTEL NETWORKS CORP COMMON STOCK 656568102 22555 330482 SH DEFINED 324282 0 6200
NORTEL NETWORKS CORP COMMON STOCK 656568102 6662 97610 SH OTHER 93410 0 4200
NORTHERN BORDER PARTNERS L P COMMON STOCK 664785102 355 13000 SH OTHER 13000 0 0
NORTHERN STATES POWER COMPANY COMMON STOCK 665772109 33 1650 SH OTHER 1650 0 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102 139 2100 SH OTHER 0 0 2100
NOVELL INC COMMON STOCK 670006105 9 1000 SH DEFINED 1000 0 0
NSTAR COMMON STOCK 67019E107 28 677 SH DEFINED 677 0 0
NTL INC COMMON STOCK 629407107 9 150 SH DEFINED 150 0 0
OCCIDENTAL PETROLEUM CORPORATI COMMON STOCK 674599105 40 1922 SH DEFINED 1922 0 0
OCCIDENTAL PETROLEUM CORPORATI COMMON STOCK 674599105 28 1350 SH OTHER 1100 0 250
OCEAN ENERGY INC COMMON STOCK 67481E106 18 1300 SH DEFINED 1300 0 0
OCTEL CORPORATION COMMON STOCK 675727101 1 171 SH DEFINED 171 0 0
OFFICEMAX INC COMMON STOCK 67622M108 5 1000 SH DEFINED 1000 0 0
OLD REPUBLIC INTERNATIONAL COR COMMON STOCK 680223104 70 4248 SH OTHER 4248 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 14844 166665 SH DEFINED 165200 0 1465
OMNICOM GROUP INC COMMON STOCK 681919106 2870 32226 SH OTHER 32226 0 0
ONEOK INC COMMON STOCK 682680103 16 600 SH DEFINED 600 0 0
ONTRO INC COMMON STOCK 683380109 32 15000 SH DEFINED 15000 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 577 6860 SH DEFINED 6860 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 622 7400 SH OTHER 0 0 7400
P-COM INC COMMON STOCK 693262107 6 1000 SH DEFINED 1000 0 0
PACTIV CORP COMMON STOCK 695257105 19 2446 SH DEFINED 2446 0 0
PACTIV CORP COMMON STOCK 695257105 4 569 SH OTHER 569 0 0
PALM INC COMMON STOCK 696642107 2 50 SH DEFINED 50 0 0
PECO ENERGY COMPANY COMMON STOCK 693304107 2 52 SH DEFINED 52 0 0
PECO ENERGY COMPANY COMMON STOCK 693304107 40 1000 SH OTHER 1000 0 0
PENNZOIL-QUAKER STATE COMPANY COMMON STOCK 709323109 1 48 SH DEFINED 48 0 0
PENNZOIL-QUAKER STATE COMPANY COMMON STOCK 709323109 1 96 SH OTHER 96 0 0
PEPSICO INC COMMON STOCK 713448108 165 3714 SH DEFINED 3714 0 0
PEPSICO INC COMMON STOCK 713448108 393 8846 SH OTHER 46 0 8800
PFIZER INCORPORATED COMMON STOCK 717081103 18250 380206 SH DEFINED 378436 0 1770
PFIZER INCORPORATED COMMON STOCK 717081103 5813 121098 SH OTHER 103648 0 17450
PG&E CORPORATION COMMON STOCK 69331C108 43 1750 SH DEFINED 1750 0 0
</TABLE>
<PAGE> 12
<TABLE>
<S> <S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
PHARMACIA CORP COMMON STOCK 71713U102 472 9131 SH DEFINED 9131 0 0
PHILIP MORRIS COMPANIES INC COMMON STOCK 718154107 122 4585 SH DEFINED 4585 0 0
PHILIP MORRIS COMPANIES INC COMMON STOCK 718154107 74 2788 SH OTHER 2788 0 0
PHILLIPS PETROLEUM COMPANY COMMON STOCK 718507106 249 4920 SH DEFINED 4920 0 0
PHONE.COM INC COMMON STOCK 71920Q100 3 40 SH DEFINED 40 0 0
PIEDMONT NATURAL GAS INC COMMON STOCK 720186105 22 820 SH DEFINED 820 0 0
PIONEER NATURAL RESOURCES COMP COMMON STOCK 723787107 1 67 SH DEFINED 67 0 0
PITNEY BOWES INC COMMON STOCK 724479100 1 35 SH DEFINED 35 0 0
PLUM CREEK TIMBER COMPANY INC COMMON STOCK 729251108 39 1500 SH OTHER 1500 0 0
PMC-SIERRA INC COMMON STOCK 69344F106 13 75 SH OTHER 75 0 0
PNC FINANCIAL SERVICES GROUP COMMON STOCK 693475105 1117 23819 SH DEFINED 23284 0 535
PNC FINANCIAL SERVICES GROUP COMMON STOCK 693475105 45 950 SH OTHER 800 0 150
POGO PRODUCING COMPANY COMMON STOCK 730448107 3 150 SH DEFINED 150 0 0
POTOMAC ELECTRIC POWER COMPANY COMMON STOCK 737679100 4 148 SH DEFINED 148 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 310 7000 SH OTHER 7000 0 0
PRAXAIR INC COMMON STOCK 74005P104 2 45 SH DEFINED 45 0 0
PRIMARK CORPORATION COMMON STOCK 741903108 2 50 SH DEFINED 50 0 0
PRIVATE MEDIA GROUP INC COMMON STOCK 74266R104 6 600 SH DEFINED 600 0 0
PROCTER & GAMBLE COMPANY COMMON STOCK 742718109 2329 40689 SH DEFINED 40689 0 0
PROCTER & GAMBLE COMPANY COMMON STOCK 742718109 310 5409 SH OTHER 5409 0 0
PROTECTIVE LIFE CORPORATION COMMON STOCK 743674103 32 1200 SH DEFINED 1200 0 0
QUALCOMM INC COMMON STOCK 747525103 5 80 SH DEFINED 80 0 0
QWEST COMMUNICATIONS INTL COMMON STOCK 749121109 19 375 SH DEFINED 375 0 0
RALCORP HLDGS INC NEW COMMON STOCK 751028101 115 9396 SH OTHER 9396 0 0
RALSTON-RALSTON PURINA GROUP COMMON STOCK 751277302 1753 87945 SH OTHER 87945 0 0
RATIONAL SOFTWARE CORPORATION COMMON STOCK 75409P202 9210 99095 SH DEFINED 98445 0 650
RATIONAL SOFTWARE CORPORATION COMMON STOCK 75409P202 1563 16815 SH OTHER 16815 0 0
RAYTHEON COMPANY - CLASS A COMMON STOCK 755111309 33 1687 SH DEFINED 1687 0 0
RAYTHEON COMPANY - CLASS A COMMON STOCK 755111309 1 76 SH OTHER 76 0 0
RAYTHEON COMPANY - CLASS B COMMON STOCK 755111408 28 1470 SH DEFINED 1470 0 0
RAYTHEON COMPANY - CLASS B COMMON STOCK 755111408 12 600 SH OTHER 600 0 0
REALTY INCOME CORPORATION - RE COMMON STOCK 756109104 52 2187 SH DEFINED 2187 0 0
REGIONS FINANCIAL CORPORATION COMMON STOCK 758940100 131 6604 SH DEFINED 4404 0 2200
RELIANT ENERGY INC COMMON STOCK 75952J108 302 10220 SH DEFINED 10220 0 0
RELIANT ENERGY INC COMMON STOCK 75952J108 183 6203 SH OTHER 6203 0 0
RELIASTAR FINANCIAL CORPORATIO COMMON STOCK 75952U103 14 268 SH DEFINED 268 0 0
ROCKWELL INTERNATIONAL CORPORA COMMON STOCK 773903109 8 268 SH DEFINED 268 0 0
ROYAL DUTCH PETROLEUM CO - NY COMMON STOCK 780257804 1955 31760 SH DEFINED 31235 0 525
ROYAL DUTCH PETROLEUM CO - NY COMMON STOCK 780257804 129 2088 SH OTHER 1988 0 100
SAFECO CORPORATION COMMON STOCK 786429100 14 690 SH DEFINED 690 0 0
SARA LEE CORPORATION COMMON STOCK 803111103 72 3750 SH DEFINED 3750 0 0
SARA LEE CORPORATION COMMON STOCK 803111103 15 800 SH OTHER 800 0 0
SAUL CENTERS INC - REIT COMMON STOCK 804395101 45 2800 SH DEFINED 2800 0 0
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 2166 50070 SH DEFINED 47847 0 2223
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 680 15713 SH OTHER 15713 0 0
SCHERING-PLOUGH CORPORATION COMMON STOCK 806605101 449 8900 SH DEFINED 8900 0 0
SCHERING-PLOUGH CORPORATION COMMON STOCK 806605101 1515 30000 SH OTHER 30000 0 0
SCHLUMBERGER LIMITED COMMON STOCK 806857108 12653 169556 SH DEFINED 168471 0 1085
</TABLE>
<PAGE> 13
<TABLE>
<S> <S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
SCHLUMBERGER LIMITED COMMON STOCK 806857108 2570 34440 SH OTHER 34440 0 0
SCI SYSTEMS INC COMMON STOCK 783890106 35 900 SH DEFINED 900 0 0
SEARS ROEBUCK & CO COMMON STOCK 812387108 51 1577 SH DEFINED 1577 0 0
SEARS ROEBUCK & CO COMMON STOCK 812387108 28 852 SH OTHER 852 0 0
SEMPRA ENERGY COMMON STOCK 816851109 11 634 SH DEFINED 634 0 0
SERVICEMASTER COMPANY COMMON STOCK 81760N109 38 3362 SH DEFINED 3362 0 0
SHERWIN WILLIAMS COMPANY COMMON STOCK 824348106 20 950 SH DEFINED 950 0 0
SHOPKO STORES INC COMMON STOCK 824911101 20 1280 SH OTHER 1280 0 0
SIEBEL SYSTEMS INC COMMON STOCK 826170102 15419 94270 SH DEFINED 93720 0 550
SIEBEL SYSTEMS INC COMMON STOCK 826170102 2581 15780 SH OTHER 15780 0 0
SILICON VALLEY GROUP INC COMMON STOCK 827066101 8 300 SH OTHER 300 0 0
SLM HOLDING CORPORATION COMMON STOCK 78442A109 42 1110 SH DEFINED 1110 0 0
SOLECTRON CORPORATION COMMON STOCK 834182107 12145 290032 SH DEFINED 288432 0 1600
SOLECTRON CORPORATION COMMON STOCK 834182107 2273 54270 SH OTHER 54270 0 0
SOLUTIA INC COMMON STOCK 834376105 7 545 SH DEFINED 545 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 1289 55310 SH DEFINED 54145 0 1165
SOUTHERN COMPANY COMMON STOCK 842587107 113 4855 SH OTHER 3645 0 1210
SOUTHTRUST CORPORATION COMMON STOCK 844730101 7919 350001 SH DEFINED 15537 0 334464
SOUTHTRUST CORPORATION COMMON STOCK 844730101 969 42838 SH OTHER 42838 0 0
SOUTHWEST AIRLINES COMPANY COMMON STOCK 844741108 10850 572957 SH DEFINED 570557 0 2400
SOUTHWEST AIRLINES COMPANY COMMON STOCK 844741108 1458 77002 SH OTHER 77002 0 0
SPRINT CORP (PCS GROUP) COMMON STOCK 852061506 7 110 SH DEFINED 110 0 0
SPRINT CORP (PCS GROUP) COMMON STOCK 852061506 65 1100 SH OTHER 1100 0 0
SPRINT CORPORATION COMMON STOCK 852061100 18 350 SH DEFINED 350 0 0
SPRINT CORPORATION COMMON STOCK 852061100 112 2202 SH OTHER 2202 0 0
SPX CORPORATION COMMON STOCK 784635104 3 26 SH DEFINED 26 0 0
ST PAUL COMPANIES INC COMMON STOCK 792860108 19 564 SH OTHER 564 0 0
STAPLES INC. COMMON STOCK 855030102 5 300 SH DEFINED 300 0 0
STAPLES INC. COMMON STOCK 855030102 42 2700 SH OTHER 2700 0 0
STATE STREET CORPORATION COMMON STOCK 857477103 212 2000 SH OTHER 0 0 2000
STEWART & STEVENSON SERVICES I COMMON STOCK 860342104 33 2220 SH OTHER 2220 0 0
STMICROELECTRONICS NV-NY SHARE COMMON STOCK 861012102 10289 160301 SH DEFINED 159686 0 615
STMICROELECTRONICS NV-NY SHARE COMMON STOCK 861012102 1357 21135 SH OTHER 21135 0 0
STORAGE COMPUTER CORP COMMON STOCK 86211A101 88 10800 SH OTHER 10800 0 0
SUN LIFE FINANCIAL SERVICE OF COMMON STOCK 866796105 102 6056 SH DEFINED 6056 0 0
SUN LIFE FINANCIAL SERVICE OF COMMON STOCK 866796105 95 5613 SH OTHER 5613 0 0
SUN MICROSYSTEMS INC COMMON STOCK 866810104 20399 224324 SH DEFINED 222774 0 1550
SUN MICROSYSTEMS INC COMMON STOCK 866810104 1968 21645 SH OTHER 21495 0 150
SUNTRUST BANKS INC COMMON STOCK 867914103 105 2300 SH DEFINED 1500 0 800
SUNTRUST BANKS INC COMMON STOCK 867914103 82 1800 SH OTHER 1800 0 0
SUPERVALU INC COMMON STOCK 868536103 11 600 SH DEFINED 600 0 0
SUPERVALU INC COMMON STOCK 868536103 133 7000 SH OTHER 7000 0 0
SYNOVUS FINANCIAL CORPORATION COMMON STOCK 87161C105 132 7500 SH DEFINED 0 0 7500
SYNOVUS FINANCIAL CORPORATION COMMON STOCK 87161C105 105 5938 SH OTHER 5938 0 0
SYSCO CORPORATION COMMON STOCK 871829107 1540 36560 SH DEFINED 36185 0 375
SYSCO CORPORATION COMMON STOCK 871829107 131 3103 SH OTHER 3003 0 100
TARGET CORP COMMON STOCK 87612E106 413 7125 SH DEFINED 7125 0 0
TARGET CORP COMMON STOCK 87612E106 200 3449 SH OTHER 3449 0 0
</TABLE>
<PAGE> 14
<TABLE>
<S> <S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 13 803 SH DEFINED 803 0 0
TELIGENT INC COMMON STOCK 87959Y103 24 1000 SH DEFINED 1000 0 0
TELLABS INC COMMON STOCK 879664100 205 3000 SH DEFINED 3000 0 0
TEMPLE-INLAND INC COMMON STOCK 879868107 2 39 SH OTHER 39 0 0
TENNECO AUTOMOTIVE INC COMMON STOCK 880349105 2 289 SH DEFINED 289 0 0
TENNECO AUTOMOTIVE INC COMMON STOCK 880349105 1 112 SH OTHER 112 0 0
TEXACO INC COMMON STOCK 881694103 239 4482 SH DEFINED 4482 0 0
TEXACO INC COMMON STOCK 881694103 196 3684 SH OTHER 3684 0 0
TEXAS INDUSTRIES INC COMMON STOCK 882491103 27 950 SH DEFINED 950 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 270 3930 SH DEFINED 3930 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 295 4300 SH OTHER 200 0 4100
TEXAS PACIFIC LAND TRUST COMMON STOCK 882610108 14 325 SH DEFINED 325 0 0
TEXTRON INCORPORATED COMMON STOCK 883203101 22 400 SH DEFINED 400 0 0
THCG INC COMMON STOCK 87242T101 163 22618 SH DEFINED 22618 0 0
THE B F GOODRICH COMPANY COMMON STOCK 382388106 82 2400 SH DEFINED 2400 0 0
THE BANC CORPORATION COMMON STOCK 05944B103 149 22500 SH DEFINED 22500 0 0
THE EARTHGRAINS COMPANY COMMON STOCK 270319106 223 11468 SH DEFINED 11468 0 0
THE LIMITED INC COMMON STOCK 532716107 3 128 SH DEFINED 128 0 0
THE WALT DISNEY COMPANY COMMON STOCK 254687106 486 12513 SH DEFINED 12513 0 0
THE WALT DISNEY COMPANY COMMON STOCK 254687106 263 6789 SH OTHER 1189 0 5600
TIME WARNER INC COMMON STOCK 887315109 17129 225387 SH DEFINED 224287 0 1100
TIME WARNER INC COMMON STOCK 887315109 2813 37013 SH OTHER 34513 0 2500
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 5175 209631 SH DEFINED 209631 0 0
TORO COMPANY COMMON STOCK 891092108 18 550 SH OTHER 550 0 0
TOYS "R" US INC COMMON STOCK 892335100 28 1890 SH DEFINED 1890 0 0
TRANSOCEAN SEDCO FOREX INC COMMON STOCK G90078109 47 878 SH DEFINED 878 0 0
TRANSOCEAN SEDCO FOREX INC COMMON STOCK G90078109 34 639 SH OTHER 639 0 0
TRIAD HOSPITALS INC COMMON STOCK 89579K109 0 13 SH DEFINED 13 0 0
TRIBUNE COMPANY COMMON STOCK 896047107 173 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 6 200 SH DEFINED 200 0 0
TRINITY INDUSTRIES INC COMMON STOCK 896522109 19 1050 SH OTHER 1050 0 0
TRIQUINT SEMICONDUCTOR INC COMMON STOCK 89674K103 92 965 SH DEFINED 965 0 0
TRW INC COMMON STOCK 872649108 139 3200 SH DEFINED 3200 0 0
TRW INC COMMON STOCK 872649108 104 2400 SH OTHER 2400 0 0
TUPPERWARE CORPORATION COMMON STOCK 899896104 2 112 SH DEFINED 112 0 0
TXU CORP COMMON STOCK 873168108 82 2765 SH DEFINED 2765 0 0
TXU CORP COMMON STOCK 873168108 106 3600 SH OTHER 3600 0 0
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 16724 353012 SH DEFINED 350722 0 2290
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 3206 67665 SH OTHER 62865 0 4800
TYLER TECHNOLOGIES INC COMMON STOCK 902252105 3 1250 SH OTHER 1250 0 0
UGI CORPORATION COMMON STOCK 902681105 12 600 SH DEFINED 600 0 0
UNICOM CORPORATION COMMON STOCK 904911104 39 1000 SH OTHER 1000 0 0
UNION CARBIDE CORPORATION COMMON STOCK 905581104 200 4045 SH DEFINED 4045 0 0
UNION PACIFIC CORPORATION COMMON STOCK 907818108 208 5600 SH DEFINED 5600 0 0
UNION PACIFIC CORPORATION COMMON STOCK 907818108 70 1889 SH OTHER 1889 0 0
</TABLE>
<PAGE> 15
<TABLE>
<S> <S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
UNION PACIFIC RESOURCES GROUP COMMON STOCK 907834105 104 4742 SH DEFINED 4742 0 0
UNION PACIFIC RESOURCES GROUP COMMON STOCK 907834105 35 1599 SH OTHER 1599 0 0
UNION PLANTERS CORPORATION COMMON STOCK 908068109 33 1181 SH DEFINED 1181 0 0
UNITED ILLUMINATING COMPANY COMMON STOCK 910637107 66 1500 SH DEFINED 1500 0 0
UNITED TECHNOLOGIES CORPORATIO COMMON STOCK 913017109 40 675 SH DEFINED 675 0 0
UNITED TECHNOLOGIES CORPORATIO COMMON STOCK 913017109 130 2214 SH OTHER 214 0 2000
UNITRIN INC COMMON STOCK 913275103 316 10750 SH DEFINED 10750 0 0
UNIVISION COMMUNICATIONS INC - COMMON STOCK 914906102 15770 152369 SH DEFINED 151919 0 450
UNIVISION COMMUNICATIONS INC - COMMON STOCK 914906102 859 8300 SH OTHER 8300 0 0
UNOVA INC COMMON STOCK 91529B106 8 1092 SH OTHER 1092 0 0
US WEST INC COMMON STOCK 91273H101 372 4341 SH DEFINED 4021 0 320
US WEST INC COMMON STOCK 91273H101 142 1658 SH OTHER 1658 0 0
UST INCORPORATED COMMON STOCK 902911106 128 8700 SH DEFINED 8700 0 0
VENATOR GROUP INC COMMON STOCK 922944103 31 3000 SH DEFINED 3000 0 0
VERISIGN INC COMMON STOCK 92343E102 81 460 SH DEFINED 115 0 345
VIACOM INC - CLASS B COMMON STOCK 925524308 1968 28865 SH DEFINED 28432 0 433
VIACOM INC - CLASS B COMMON STOCK 925524308 33 487 SH OTHER 379 0 108
VISTEON CORP COMMON STOCK 92839U107 412 33972 SH DEFINED 33815 0 157
VISTEON CORP COMMON STOCK 92839U107 59 4827 SH OTHER 4827 0 0
VOICESTREAM WIRELESS CORP COMMON STOCK 928615103 16 135 SH DEFINED 135 0 0
VULCAN MATERIALS COMPANY COMMON STOCK 929160109 77 1800 SH OTHER 1800 0 0
WACHOVIA CORPORATION COMMON STOCK 929771103 130 2400 SH DEFINED 2400 0 0
WACHOVIA CORPORATION COMMON STOCK 929771103 39 720 SH OTHER 720 0 0
WADDELL & REED FINANCIAL - CL COMMON STOCK 930059209 2110 72611 SH DEFINED 72611 0 0
WADDELL & REED FINANCIAL-A COMMON STOCK 930059100 536 16341 SH DEFINED 16341 0 0
WAL MART STORES INC COMMON STOCK 931142103 20970 363901 SH DEFINED 361446 0 2455
WAL MART STORES INC COMMON STOCK 931142103 3546 61530 SH OTHER 58980 0 2550
WALGREEN COMPANY COMMON STOCK 931422109 109 3400 SH DEFINED 3400 0 0
WASHINGTON MUTUAL INC COMMON STOCK 939322103 10 337 SH DEFINED 337 0 0
WASTE MANAGEMENT, INC. COMMON STOCK 94106L109 45 2358 SH DEFINED 2358 0 0
WASTE MANAGEMENT, INC. COMMON STOCK 94106L109 1 72 SH OTHER 72 0 0
WEATHERFORD INTERNATIONAL COMMON STOCK 947074100 7 179 SH OTHER 179 0 0
WEINGARTEN REALTY INVESTORS - COMMON STOCK 948741103 48 1200 SH DEFINED 1200 0 0
WELLMAN INC COMMON STOCK 949702104 19 1200 SH OTHER 1200 0 0
WELLS FARGO COMPANY COMMON STOCK 949746101 161 4163 SH DEFINED 2617 0 1546
WESTVACO CORPORATION COMMON STOCK 961548104 6 225 SH DEFINED 225 0 0
WEYERHAEUSER COMPANY COMMON STOCK 962166104 142 3295 SH DEFINED 3295 0 0
WEYERHAEUSER COMPANY COMMON STOCK 962166104 15 360 SH OTHER 360 0 0
WHIRLPOOL CORPORATION COMMON STOCK 963320106 8 167 SH DEFINED 167 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100 1386 33249 SH DEFINED 32394 0 855
WILLIAMS COMPANIES INC COMMON STOCK 969457100 140 3370 SH OTHER 3215 0 155
WINN-DIXIE STORES INC COMMON STOCK 974280109 25 1772 SH DEFINED 1772 0 0
WORLDCOM INC COMMON STOCK 98157D106 1610 35095 SH DEFINED 35095 0 0
WORLDCOM INC COMMON STOCK 98157D106 374 8154 SH OTHER 4254 0 3900
XEROX CORPORATION COMMON STOCK 984121103 75 3600 SH DEFINED 3600 0 0
XEROX CORPORATION COMMON STOCK 984121103 21 1000 SH OTHER 1000 0 0
XILINX INC COMMON STOCK 983919101 98 1190 SH DEFINED 1190 0 0
YAHOO INC COMMON STOCK 984332106 157 1270 SH DEFINED 870 0 400
</TABLE>
<PAGE> 16
<TABLE>
<S> <S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
ZI CORP COMMON STOCK 988918108 37 4000 SH DEFINED 4000 0 0
AEGON N V ORD AMER REG COMMON STOCK 007924103 102 2872 SH OTHER 2872 0 0
ALCATEL ADR COMMON STOCK 013904305 96 1440 SH DEFINED 1440 0 0
ASTRAZENECA GROUP PLC - SP ADR COMMON STOCK 046353108 12 252 SH DEFINED 252 0 0
AVENTIS S.A. - SP ADR COMMON STOCK 053561106 22 300 SH OTHER 300 0 0
BP AMOCO PLC-SP ADR COMMON STOCK 055622104 3067 54220 SH DEFINED 53564 0 656
BP AMOCO PLC-SP ADR COMMON STOCK 055622104 1895 33494 SH OTHER 31230 0 2264
CELLTECH GROUP PLC-SP ADR COMMON STOCK 151158102 354 9350 SH OTHER 9350 0 0
DAIMLER-CHRYSLER AG-ADR COMMON STOCK D1668R123 35 668 SH DEFINED 668 0 0
DAIMLER-CHRYSLER AG-ADR COMMON STOCK D1668R123 39 756 SH OTHER 756 0 0
DEUTSCHE TELEKOM AG-SP ADR COMMON STOCK 251566105 1032 18185 SH DEFINED 17825 0 360
DEUTSCHE TELEKOM AG-SP ADR COMMON STOCK 251566105 28 485 SH OTHER 420 0 65
DIAGEO PLC COMMON STOCK 25243Q205 29 807 SH DEFINED 807 0 0
EMPRESA NACIONAL-SP ADR COMMON STOCK 29244T101 17 1515 SH DEFINED 1515 0 0
ERICSSON LM TEL SPONS ADR COMMON STOCK 294821400 154 7700 SH DEFINED 4800 0 2900
GALLAHER GROUP PLC UNSPON ADR COMMON STOCK 363595109 41 1920 SH DEFINED 1920 0 0
GALLAHER GROUP PLC UNSPON ADR COMMON STOCK 363595109 39 1800 SH OTHER 1800 0 0
GLAXO WELLCOME PLC SPONS ADR COMMON STOCK 37733W105 35 600 SH DEFINED 600 0 0
GLAXO WELLCOME PLC SPONS ADR COMMON STOCK 37733W105 18 310 SH OTHER 310 0 0
HITACHI LTD SPONS ADR COMMON STOCK 433578507 43 300 SH DEFINED 300 0 0
KLM ROYAL DUTCH AIR-SP ADR COMMON STOCK 482516309 17 644 SH OTHER 644 0 0
NEWS CORP LTD - SPONS ADR PFD COMMON STOCK 652487802 33 700 SH DEFINED 700 0 0
NEWS CORPORATION LTD - SPONS A COMMON STOCK 652487703 16 300 SH DEFINED 300 0 0
NOKIA CORP - SPONS ADR "A" COMMON STOCK 654902204 1366 27360 SH DEFINED 24360 0 3000
NOKIA CORP - SPONS ADR "A" COMMON STOCK 654902204 122 2440 SH OTHER 2320 0 120
SCOTTISHPOWER PLC-SP ADR COMMON STOCK 81013T705 68 2030 SH DEFINED 2030 0 0
SHELL TRANSPORT & TRADING-SPON COMMON STOCK 822703609 235 4700 SH OTHER 0 0 4700
TELECOM CORP OF NEW ZEALAND-SP COMMON STOCK 879278208 26 940 SH DEFINED 940 0 0
TELEFONOS DE MEXICO - SPONS A COMMON STOCK 879403780 11272 197318 SH DEFINED 196583 0 735
TELEFONOS DE MEXICO - SPONS A COMMON STOCK 879403780 1219 21335 SH OTHER 21335 0 0
TOKIO MARINE & FIRE - SPONS AD COMMON STOCK 889090403 40 670 SH DEFINED 670 0 0
TOTAL FINA SA - SP ADR COMMON STOCK 89151E109 48 627 SH DEFINED 627 0 0
VODAFONE AIRTOUCH PLC COMMON STOCK 92857T107 10655 257134 SH DEFINED 255234 0 1900
VODAFONE AIRTOUCH PLC COMMON STOCK 92857T107 1479 35690 SH OTHER 35690 0 0
HSBC BANK PLC 10.25% PREF PREFERRED STOCK 44328M609 23 900 SH DEFINED N.A. N.A. N.A.
ROYAL BK OF SCOTLAND 9.50% SER PREFERRED STOCK 780097408 73 3000 SH DEFINED N.A. N.A. N.A.
FREEPORT-MCMORAN 7.00% CONV PR PREFERRED STOCK 35671D501 13 1000 SH DEFINED N.A. N.A. N.A.
ONTRO INC - WARRANTS 5 OTHER 683380117 3 15000 SH DEFINED 15000 0 0
ACM GOVERNMENT SECURITIES FD-C OTHER 000914101 7 1000 SH OTHER 1000 0 0
ADAMS EXPRESS COMPANY-CLSD END OTHER 006212104 120 3248 SH DEFINED 3248 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 27 SH DEFINED 27 0 0
INVESTMENT GRADE MUNICIPAL INC OTHER 461368102 7 500 SH DEFINED 500 0 0
ISHARES MSCI GERMANY OTHER 464286806 110 4555 SH OTHER 4555 0 0
ISHARES MSCI JAPAN OTHER 464286848 222 14623 SH DEFINED 14623 0 0
ISHARES MSCI JAPAN OTHER 464286848 82 5400 SH OTHER 5400 0 0
</TABLE>
<PAGE> 17
<TABLE>
<S> <S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
ISHARES MSCI UNITED KINGDOM OTHER 464286699 88 4590 SH OTHER 4590 0 0
JOHN HANCOCK BK & THT OPP FD/C OTHER 409735107 13 2000 SH DEFINED 2000 0 0
MANAGED HIGH YLD PLUS FUND-CLS OTHER 561911108 5 484 SH DEFINED 484 0 0
MANAGED MUNI PORTFOLIO INC/CLS OTHER 561662107 99 10000 SH DEFINED 10000 0 0
MORGAN STANLEY DEAN WIT GOVT I OTHER 61745P106 4 453 SH OTHER 453 0 0
MORGAN STANLEY INDIA INVESTMEN OTHER 61745C105 2 200 SH OTHER 200 0 0
MUNIHOLDINGS INSURED FUND OTHER 625930102 20 1700 SH DEFINED 1700 0 0
NASDAQ-100 SHARES OTHER 631100104 19 200 SH OTHER 200 0 0
NUVEEN INSD MUNI OPPTY FD-CLSD OTHER 670984103 41 3124 SH OTHER 3124 0 0
NUVEEN MUN MKT OPPTY FD-CLSD E OTHER 67062W103 10 800 SH OTHER 800 0 0
NUVEEN MUNI VALUE FUND - CLSD OTHER 670928100 26 3050 SH DEFINED 3050 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 QUALITY INC MUNI FD-CLS OTHER 670977107 13 1000 SH DEFINED 1000 0 0
NUVEEN QUALITY INC MUNI FD-CLS OTHER 670977107 7 500 SH OTHER 500 0 0
NUVEEN SELECT MATY MUNI FD-CLS OTHER 67061T101 12 1160 SH OTHER 1160 0 0
NUVEEN SELECT QLTY MUNI FD/CLS OTHER 670973106 8 600 SH OTHER 600 0 0
NUVEEN SELECT TAX-FREE INC POR OTHER 67063C106 31 2215 SH OTHER 2215 0 0
NUVEEN TEXAS QUALITY INCOME MU OTHER 670983105 25 2000 SH DEFINED 2000 0 0
S & P 500 DEPOSITORY RECEIPTS OTHER 78462F103 15 100 SH DEFINED 100 0 0
STANDARD & POORS MIDCAP 400 DE OTHER 595635103 17 193 SH OTHER 193 0 0
TCW/DW TERM TRUST 2002 OTHER 87234T101 7 798 SH OTHER 798 0 0
TEMPLETON CHINA WORLD FD-CLSD OTHER 88018X102 2 300 SH OTHER 300 0 0
TRI-CONTINENTAL CORPORATION - OTHER 895436103 106 4186 SH DEFINED 4186 0 0
ZENIX INCOME FUND OTHER 989414107 2 500 SH OTHER 500 0 0
ZWEIG FUND OTHER 989834106 50 5000 SH DEFINED 5000 0 0
</TABLE>
