<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: 3/31/00
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 4/6/00
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> 2
FORM 13F SUMMARY PAGE
REPORT SUMMARY:
NUMBER OF OTHER INCLUDED MANAGERS: 0
FORM 13F INFORMATION TABLE ENTRY TOTAL: 680
FORM 13F INFORMATION TABLE VALUE TOTAL: $976,775
<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> <C> <C> <C> <C> <C> <C> <C> <C>
A T & T CORPORATION COMMON STOCK 001957109 3555 63129 SH DEFINED 61077 0 2052
A T & T CORPORATION COMMON STOCK 001957109 1434 25462 SH OTHER 25262 0 200
ABBOTT LABORATORIES COMMON STOCK 002824100 640 18193 SH DEFINED 18193 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 106 3000 SH OTHER 3000 0 0
ABERCROMBIE & FITCH COMPANY - COMMON STOCK 002896207 0 2 SH DEFINED 2 0 0
ACXIOM CORPORATION COMMON STOCK 005125109 12 350 SH DEFINED 350 0 0
ADAPTEC INC COMMON STOCK 00651F108 7861 203519 SH DEFINED 202049 0 1470
ADAPTEC INC COMMON STOCK 00651F108 1844 47740 SH OTHER 47740 0 0
AES CORPORATION COMMON STOCK 00130H105 43 550 SH DEFINED 550 0 0
AES CORPORATION COMMON STOCK 00130H105 2 25 SH OTHER 25 0 0
AETNA INC COMMON STOCK 008117103 4 75 SH DEFINED 75 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 247 2375 SH DEFINED 2335 0 40
AGRIBRANDS INTERNATIONAL COMMON STOCK 00849R105 113 2868 SH OTHER 2868 0 0
ALABAMA NATIONAL BANCORPORATIO COMMON STOCK 010317105 95 5000 SH DEFINED 0 0 5000
ALABAMA NATIONAL BANCORPORATIO COMMON STOCK 010317105 38 2000 SH OTHER 2000 0 0
ALANCO ENVIRON RESOURCES CORP COMMON STOCK 011612405 22 7212 SH DEFINED 7212 0 0
ALBERTSONS INC COMMON STOCK 013104104 52 1700 SH DEFINED 1700 0 0
ALCOA INC COMMON STOCK 013817101 15642 222666 SH DEFINED 220991 0 1675
ALCOA INC COMMON STOCK 013817101 2284 32515 SH OTHER 32465 0 50
ALLEGHENY ENERGY INC COMMON STOCK 017361106 11 400 SH DEFINED 400 0 0
ALLEGHENY TECHNOLOGIES INC COMMON STOCK 01741R102 212 10564 SH DEFINED 10564 0 0
ALLERGAN INC COMMON STOCK 018490102 13772 275441 SH DEFINED 273581 0 1860
ALLERGAN INC COMMON STOCK 018490102 2224 44473 SH OTHER 44473 0 0
ALLIANCE CAPITAL MANAGEMENT HO COMMON STOCK 01855A101 1547 37325 SH DEFINED 36355 0 970
ALLIANCE CAPITAL MANAGEMENT HO COMMON STOCK 01855A101 55 1320 SH OTHER 1140 0 180
ALLIANT ENERGY CORP COMMON STOCK 018802108 18 600 SH OTHER 600 0 0
ALLSTATE CORPORATION COMMON STOCK 020002101 100 4184 SH DEFINED 4184 0 0
ALLSTATE CORPORATION COMMON STOCK 020002101 38 1578 SH OTHER 1578 0 0
ALLTEL CORPORATION COMMON STOCK 020039103 202 3190 SH DEFINED 3190 0 0
ALLTEL CORPORATION COMMON STOCK 020039103 255 4033 SH OTHER 4033 0 0
ALTERA CORP COMMON STOCK 021441100 240 2685 SH DEFINED 2685 0 0
ALTERA CORP COMMON STOCK 021441100 36 400 SH OTHER 400 0 0
AMCAST INDUSTRIAL CORPORATION COMMON STOCK 023395106 15 1640 SH OTHER 1640 0 0
AMEREN CORPORATION COMMON STOCK 023608102 19 618 SH DEFINED 618 0 0
AMERICA ONLINE INCORPORATED COMMON STOCK 02364J104 807 11961 SH DEFINED 11961 0 0
AMERICA ONLINE INCORPORATED COMMON STOCK 02364J104 211 3134 SH OTHER 3134 0 0
AMERICAN ELECTRIC POWER INC COMMON STOCK 025537101 6 216 SH DEFINED 216 0 0
AMERICAN EXPRESS COMPANY COMMON STOCK 025816109 1752 11760 SH DEFINED 11570 0 190
</TABLE>
<PAGE> 4
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
AMERICAN EXPRESS COMPANY COMMON STOCK 025816109 220 1480 SH OTHER 795 0 685
AMERICAN GENERAL CORPORATION COMMON STOCK 026351106 1410 25128 SH DEFINED 25128 0 0
AMERICAN GENERAL CORPORATION COMMON STOCK 026351106 375 6684 SH OTHER 4084 0 2600
AMERICAN GREETINGS CORPORATION COMMON STOCK 026375105 20 1100 SH DEFINED 1100 0 0
AMERICAN HOME PRODUCTS CORPORA COMMON STOCK 026609107 1709 31791 SH DEFINED 31791 0 0
AMERICAN HOME PRODUCTS CORPORA COMMON STOCK 026609107 427 7944 SH OTHER 7944 0 0
AMERICAN INTERNATIONAL GROUP I COMMON STOCK 026874107 16460 150316 SH DEFINED 148921 0 1395
AMERICAN INTERNATIONAL GROUP I COMMON STOCK 026874107 3358 30665 SH OTHER 27222 0 3443
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 311 5060 SH DEFINED 2660 0 2400
AMGEN INCORPORATED COMMON STOCK 031162100 18 300 SH OTHER 300 0 0
AMSOUTH BANCORPORATION COMMON STOCK 032165102 505 33820 SH DEFINED 27820 0 6000
AMSOUTH BANCORPORATION COMMON STOCK 032165102 282 18850 SH OTHER 4500 0 14350
ANADARKO PETEROLEUM CORPORATIO COMMON STOCK 032511107 51 1320 SH DEFINED 1320 0 0
ANALOG DEVICES, INC. COMMON STOCK 032654105 8 100 SH OTHER 100 0 0
ANHEUSER BUSCH COMPANY INC COMMON STOCK 035229103 24170 388279 SH DEFINED 386534 0 1745
ANHEUSER BUSCH COMPANY INC COMMON STOCK 035229103 2499 40148 SH OTHER 40148 0 0
AON CORPORATION COMMON STOCK 037389103 718 22275 SH OTHER 22275 0 0
APPLE COMPUTERS INCORPORATED COMMON STOCK 037833100 50 370 SH DEFINED 370 0 0
APPLIED MATERIALS INCORPORATED COMMON STOCK 038222105 10116 107335 SH DEFINED 106375 0 960
APPLIED MATERIALS INCORPORATED COMMON STOCK 038222105 1772 18800 SH OTHER 18800 0 0
APPLIED MICRO CIRCUITS CORP COMMON STOCK 03822W109 17 110 SH DEFINED 110 0 0
ARCHER DANIELS MIDLAND COMPANY COMMON STOCK 039483102 21 2082 SH DEFINED 2082 0 0
ARGONAUT GROUP INC COMMON STOCK 040157109 33 1650 SH DEFINED 1650 0 0
ARVIN INDUSTRIES INCORPORATED COMMON STOCK 043339100 13 580 SH OTHER 580 0 0
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 17 784 SH DEFINED 784 0 0
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 69 3214 SH OTHER 314 0 2900
</TABLE>
<PAGE> 5
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
AT&T CORP-LIBERTY MEDIA GROUP COMMON STOCK 001957208 1209 20380 SH DEFINED 18985 0 1395
AT&T CORP-LIBERTY MEDIA GROUP COMMON STOCK 001957208 32 540 SH OTHER 465 0 75
ATLANTIC RICHFIELD COMPANY COMMON STOCK 048825103 2235 26290 SH DEFINED 25290 600 400
ATLANTIC RICHFIELD COMPANY COMMON STOCK 048825103 1230 14465 SH OTHER 14365 0 100
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 965 19992 SH DEFINED 19542 0 450
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 29 610 SH OTHER 525 0 85
AUTOZONE INC COMMON STOCK 053332102 17 600 SH DEFINED 600 0 0
AVERY DENNISON CORPORATION COMMON STOCK 053611109 40 652 SH DEFINED 652 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 107 3538 SH OTHER 3538 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 171 3252 SH DEFINED 2252 0 1000
BANK OF AMERICA CORP COMMON STOCK 060505104 109 2073 SH OTHER 2073 0 0
BANK OF NEW YORK COMPANY INC COMMON STOCK 064057102 1610 38725 SH DEFINED 38010 0 715
BANK OF NEW YORK COMPANY INC COMMON STOCK 064057102 41 985 SH OTHER 850 0 135
BANK ONE CORPORATION COMMON STOCK 06423A103 1154 33436 SH DEFINED 32886 0 550
BANK ONE CORPORATION COMMON STOCK 06423A103 32 915 SH OTHER 790 0 125
BATTLE MOUNTAIN GOLD COMPANY COMMON STOCK 071593107 0 144 SH OTHER 144 0 0
BAUSCH & LOMB INC COMMON STOCK 071707103 16 306 SH DEFINED 306 0 0
BAUSCH & LOMB INC COMMON STOCK 071707103 84 1600 SH OTHER 1600 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 1713 27324 SH DEFINED 26844 0 480
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 324 5172 SH OTHER 1872 0 3300
BELDEN INC COMMON STOCK 077459105 5 175 SH DEFINED 175 0 0
BELL ATLANTIC CORPORATION COMMON STOCK 077853109 1887 30878 SH DEFINED 29588 0 1290
BELL ATLANTIC CORPORATION COMMON STOCK 077853109 607 9932 SH OTHER 9832 0 100
BELLSOUTH CORPORATION COMMON STOCK 079860102 1417 30232 SH DEFINED 28792 0 1440
BELLSOUTH CORPORATION COMMON STOCK 079860102 317 6768 SH OTHER 6768 0 0
BERKSHIRE HATHAWAY INC - CLASS COMMON STOCK 084670207 428 235 SH DEFINED 235 0 0
</TABLE>
<PAGE> 6
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
BESTFOODS COMMON STOCK 08658U101 10 205 SH DEFINED 205 0 0
BETHLEHEM STEEL CORPORATION COMMON STOCK 087509105 0 50 SH DEFINED 50 0 0
BHA GROUP HOLDINGS INC COMMON STOCK 055446108 3 399 SH DEFINED 399 0 0
BIOMET INCORPORATED COMMON STOCK 090613100 2 57 SH OTHER 57 0 0
BLACK AND DECKER CORPORATION COMMON STOCK 091797100 41 1100 SH DEFINED 1100 0 0
BMC SOFTWARE INC COMMON STOCK 055921100 49 1000 SH DEFINED 1000 0 0
BOEING COMPANY COMMON STOCK 097023105 476 12580 SH DEFINED 11580 0 1000
BOEING COMPANY COMMON STOCK 097023105 24 630 SH OTHER 630 0 0
BOSTON SCIENTIFIC CORPORATION COMMON STOCK 101137107 64 3000 SH DEFINED 3000 0 0
BOWNE AND COMPANY COMMON STOCK 103043105 13 1000 SH DEFINED 1000 0 0
BRISTOL-MYERS SQUIBB COMPANY COMMON STOCK 110122108 15043 259359 SH DEFINED 257489 0 1870
BRISTOL-MYERS SQUIBB COMPANY COMMON STOCK 110122108 3847 66322 SH OTHER 66322 0 0
BROADWING INC COMMON STOCK 111620100 78 2100 SH DEFINED 2100 0 0
BUCKEYE PARTNERS LP COMMON STOCK 118230101 390 15000 SH OTHER 15000 0 0
BURLINGTON NORTHERN SANTA FE COMMON STOCK 12189T104 164 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 52 1400 SH DEFINED 1400 0 0
BURLINGTON RESOURCES INCORPORA COMMON STOCK 122014103 48 1296 SH OTHER 1296 0 0
CABLETRON SYSTEMS INCORPORATED COMMON STOCK 126920107 176 6000 SH DEFINED 6000 0 0
CALPINE CORP COMMON STOCK 131347106 7290 77550 SH DEFINED 76870 0 680
CALPINE CORP COMMON STOCK 131347106 1639 17440 SH OTHER 17440 0 0
CAMPBELL SOUP COMPANY COMMON STOCK 134429109 31 1000 SH DEFINED 1000 0 0
CAMPBELL SOUP COMPANY COMMON STOCK 134429109 31 1000 SH OTHER 1000 0 0
CAPSTEAD MORTGAGE CORP - REIT COMMON STOCK 14067E100 1 337 SH OTHER 337 0 0
CAROLINA POWER & LIGHT COMPANY COMMON STOCK 144141108 24 744 SH DEFINED 744 0 0
CATERPILLAR INCORPORATED COMMON STOCK 149123101 47 1200 SH DEFINED 1200 0 0
CATERPILLAR INCORPORATED COMMON STOCK 149123101 63 1600 SH OTHER 1600 0 0
CBS CORPORATION COMMON STOCK 12490K107 1564 27615 SH DEFINED 27215 0 400
</TABLE>
<PAGE> 7
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
CBS CORPORATION COMMON STOCK 12490K107 25 450 SH OTHER 350 0 100
CELANESE AG COMMON STOCK D1497A101 1 40 SH OTHER 40 0 0
CENTRAL AND SOUTHWEST CORPORAT COMMON STOCK 152357109 45 2600 SH DEFINED 1000 0 1600
CENTURYTEL INC COMMON STOCK 156700106 8 225 SH DEFINED 225 0 0
CENTURYTEL INC COMMON STOCK 156700106 167 4500 SH OTHER 4500 0 0
CHARLES SCHWAB INCORPORATED COMMON STOCK 808513105 192 3382 SH DEFINED 3082 0 300
CHASE MANHATTAN CORPORATION COMMON STOCK 16161A108 2120 24317 SH DEFINED 23442 0 875
CHASE MANHATTAN CORPORATION COMMON STOCK 16161A108 311 3565 SH OTHER 400 0 3165
CHEVRON CORPORATION COMMON STOCK 166751107 1404 15194 SH DEFINED 15194 0 0
CHEVRON CORPORATION COMMON STOCK 166751107 1116 12072 SH OTHER 12072 0 0
CINERGY CORPORATION COMMON STOCK 172474108 29 1345 SH DEFINED 1345 0 0
CISCO SYSTEMS INCORPORATED COMMON STOCK 17275R102 27841 360109 SH DEFINED 352262 0 7847
CISCO SYSTEMS INCORPORATED COMMON STOCK 17275R102 13653 176598 SH OTHER 174998 0 1600
CITIGROUP INC COMMON STOCK 172967101 19552 326545 SH DEFINED 323270 0 3275
CITIGROUP INC COMMON STOCK 172967101 4481 74845 SH OTHER 70495 0 4350
CITIZENS UTILITIES CO - CLASS COMMON STOCK 177342201 27 1658 SH DEFINED 1658 0 0
CLOROX COMPANY COMMON STOCK 189054109 29 890 SH DEFINED 890 0 0
CNBT BANKSHARES INC COMMON STOCK 125972109 83 8500 SH OTHER 8500 0 0
COASTAL CORPORATION COMMON STOCK 190441105 9012 195911 SH DEFINED 194371 0 1540
COASTAL CORPORATION COMMON STOCK 190441105 1690 36740 SH OTHER 36740 0 0
COCA-COLA COMPANY COMMON STOCK 191216100 2389 50893 SH DEFINED 49893 0 1000
COCA-COLA COMPANY COMMON STOCK 191216100 487 10370 SH OTHER 6670 0 3700
COLGATE PALMOLIVE COMPANY COMMON STOCK 194162103 243 4310 SH DEFINED 4310 0 0
COLGATE PALMOLIVE COMPANY COMMON STOCK 194162103 496 8800 SH OTHER 8800 0 0
COLONIAL BANCGROUP, INC. COMMON STOCK 195493309 54 5064 SH OTHER 5064 0 0
COLUMBIA HCA HEALTHCARE CORP COMMON STOCK 197677107 7 265 SH DEFINED 265 0 0
COMPAQ COMPUTER CORPORATION COMMON STOCK 204493100 1039 38485 SH DEFINED 32455 0 6030
COMPAQ COMPUTER CORPORATION COMMON STOCK 204493100 1253 46395 SH OTHER 35645 0 10750
</TABLE>
<PAGE> 8
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
COMPASS BANCSHARES INC COMMON STOCK 20449H109 33910 1700805 SH DEFINED 1344364 0 356441
COMPASS BANCSHARES INC COMMON STOCK 20449H109 1171 58711 SH OTHER 17414 0 41297
COMPUTER SCIENCES CORPORATION COMMON STOCK 205363104 158 2000 SH DEFINED 2000 0 0
COMVERSE TECHNOLOGY INC COMMON STOCK 205862402 10219 54068 SH DEFINED 53943 0 125
CONAGRA INC COMMON STOCK 205887102 105 5800 SH DEFINED 5800 0 0
CONEXANT SYSTEMS INC COMMON STOCK 207142100 19 268 SH DEFINED 268 0 0
CONOCO INC-CLASS B COMMON STOCK 208251405 6 244 SH OTHER 244 0 0
CONSOLIDATED EDISON, INC COMMON STOCK 209115104 88 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 45 1400 SH DEFINED 1400 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 224 4260 SH DEFINED 2660 0 1600
CREDENCE SYSTEMS CORP COMMON STOCK 225302108 177 1411 SH DEFINED 1411 0 0
CRESCENT REAL ESTATE EQUITIES COMMON STOCK 225756105 1151 65795 SH DEFINED 64815 0 980
CRESCENT REAL ESTATE EQUITIES COMMON STOCK 225756105 25 1440 SH OTHER 1325 0 115
CSX CORPORATION COMMON STOCK 126408103 38 1600 SH DEFINED 1600 0 0
CVS CORPORATION COMMON STOCK 126650100 83 2200 SH DEFINED 0 0 2200
CYBEX COMPUTER PRODUCTS CORP COMMON STOCK 232522102 102 2700 SH DEFINED 2700 0 0
CYTEC INDUSTRIES INC COMMON STOCK 232820100 3 86 SH DEFINED 86 0 0
DANA CORPORATION COMMON STOCK 235811106 113 4000 SH DEFINED 4000 0 0
DELL COMPUTER CORPORATION COMMON STOCK 247025109 334 6194 SH DEFINED 6194 0 0
DELL COMPUTER CORPORATION COMMON STOCK 247025109 66 1230 SH OTHER 1230 0 0
DELPHI AUTOMOTIVE SYSTEMS CORP COMMON STOCK 247126105 258 16134 SH DEFINED 16134 0 0
DELPHI AUTOMOTIVE SYSTEMS CORP COMMON STOCK 247126105 36 2251 SH OTHER 2251 0 0
DELUXE CORPORATION COMMON STOCK 248019101 8 300 SH DEFINED 300 0 0
DENALI INC COMMON STOCK 248221103 2 500 SH OTHER 500 0 0
DEVON ENERGY CORP COMMON STOCK 25179M103 2 42 SH OTHER 42 0 0
DOLLAR GENERAL CORPORATION COMMON STOCK 256669102 216 8050 SH DEFINED 8050 0 0
DOMINION RESOURCES INC COMMON STOCK 25746U109 4 98 SH DEFINED 98 0 0
</TABLE>
<PAGE> 9
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
DOW CHEMICAL COMPANY COMMON STOCK 260543103 1383 12131 SH DEFINED 11931 0 200
DOW CHEMICAL COMPANY COMMON STOCK 260543103 185 1623 SH OTHER 1598 0 25
DQE INC COMMON STOCK 23329J104 2 45 SH DEFINED 45 0 0
DUKE ENERGY CORPORATION COMMON STOCK 264399106 416 7926 SH DEFINED 7926 0 0
DUKE ENERGY CORPORATION COMMON STOCK 264399106 35 662 SH OTHER 662 0 0
DUN & BRADSTREET CORP COMMON STOCK 26483B106 123 4300 SH OTHER 4300 0 0
DURA AUTOMOTIVE SYSTEMS INC COMMON STOCK 265903104 23 1360 SH OTHER 1360 0 0
E.I.DU PONT DE NEMOURS & COMPA COMMON STOCK 263534109 5752 108659 SH DEFINED 108659 0 0
E.I.DU PONT DE NEMOURS & COMPA COMMON STOCK 263534109 2428 45858 SH OTHER 44458 0 1400
EASTMAN KODAK COMPANY COMMON STOCK 277461109 68 1247 SH DEFINED 1247 0 0
EASTMAN KODAK COMPANY COMMON STOCK 277461109 150 2761 SH OTHER 2761 0 0
EATON CORPORATION COMMON STOCK 278058102 117 1500 SH DEFINED 1500 0 0
ECHOSTAR COMMUNICATIONS CORP COMMON STOCK 278762109 37 470 SH DEFINED 470 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 17 1000 SH DEFINED 1000 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 7 400 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 53 1318 SH OTHER 50 0 1268
ELECTRONIC DATA SYSTEMS CORPOR COMMON STOCK 285661104 363 5652 SH DEFINED 5652 0 0
ELECTRONIC DATA SYSTEMS CORPOR COMMON STOCK 285661104 162 2525 SH OTHER 125 0 2400
ELI LILLY & COMPANY COMMON STOCK 532457108 383 6116 SH DEFINED 6116 0 0
ELI LILLY & COMPANY COMMON STOCK 532457108 438 7000 SH OTHER 7000 0 0
EMC CORPORATION COMMON STOCK 268648102 17932 142318 SH DEFINED 140448 0 1870
EMC CORPORATION COMMON STOCK 268648102 5018 39825 SH OTHER 39825 0 0
EMERSON ELECTRIC COMPANY COMMON STOCK 291011104 72 1361 SH DEFINED 1361 0 0
EMERSON ELECTRIC COMPANY COMMON STOCK 291011104 159 3000 SH OTHER 3000 0 0
ENCOMPASS SERVICES CORP COMMON STOCK 29255U104 64 11063 SH DEFINED 11063 0 0
ENERGEN CORPORATION COMMON STOCK 29265N108 10 600 SH DEFINED 600 0 0
ENERGEN CORPORATION COMMON STOCK 29265N108 3 200 SH OTHER 200 0 0
</TABLE>
<PAGE> 10
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
ENERGY EAST CORP. COMMON STOCK 29266M109 63 3161 SH OTHER 3161 0 0
ENRON CORPORATION COMMON STOCK 293561106 13668 182542 SH DEFINED 180617 0 1925
ENRON CORPORATION COMMON STOCK 293561106 3398 45383 SH OTHER 45383 0 0
ENSCO INTERNATIONAL INC COMMON STOCK 26874Q100 2 50 SH OTHER 50 0 0
ENTERGY CORPORATION COMMON STOCK 29364G103 31 1535 SH DEFINED 1535 0 0
ENTERGY CORPORATION COMMON STOCK 29364G103 5 260 SH OTHER 260 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 6 300 SH DEFINED 300 0 0
EQUITABLE RESOURCES INC COMMON STOCK 294549100 454 10125 SH OTHER 10125 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 24376 312769 SH DEFINED 310486 0 2283
EXXON MOBIL CORP COMMON STOCK 30231G102 8458 108521 SH OTHER 106455 0 2066
FANNIE MAE COMMON STOCK 313586109 441 7793 SH DEFINED 7793 0 0
FANNIE MAE COMMON STOCK 313586109 311 5495 SH OTHER 795 0 4700
FEDEX CORP COMMON STOCK 31428X106 48 1240 SH DEFINED 1240 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 67 1063 SH DEFINED 1063 0 0
FIRST DATA CORPORATION COMMON STOCK 319963104 8 178 SH DEFINED 178 0 0
FIRST UNION CORPORATION COMMON STOCK 337358105 37 1000 SH DEFINED 1000 0 0
FIRST UNION CORPORATION COMMON STOCK 337358105 309 8300 SH OTHER 8300 0 0
FIRSTCITY FINANCIAL CORPORATIO COMMON STOCK 33761X107 3 1202 SH DEFINED 1202 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 751 36428 SH DEFINED 35448 0 980
FIRSTENERGY CORP COMMON STOCK 337932107 22 1050 SH OTHER 900 0 150
FIRSTFED AMERICA BANCORP INC COMMON STOCK 337929103 24 2250 SH DEFINED 2250 0 0
FLEETBOSTON FINANCIAL CORP COMMON STOCK 339030108 42 1140 SH DEFINED 1140 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 10983 239096 SH DEFINED 237491 0 1605
FORD MOTOR COMPANY COMMON STOCK 345370100 1582 34440 SH OTHER 34440 0 0
FORTUNE BRANDS INC COMMON STOCK 349631101 40 1600 SH DEFINED 1600 0 0
FORTUNE BRANDS INC COMMON STOCK 349631101 45 1800 SH OTHER 1800 0 0
</TABLE>
<PAGE> 11
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
FPL GROUP INC COMMON STOCK 302571104 1021 22160 SH DEFINED 21645 0 515
FPL GROUP INC COMMON STOCK 302571104 32 700 SH OTHER 605 0 95
FREDDIE MAC COMMON STOCK 313400301 70 1586 SH DEFINED 1086 0 500
FURNITURE BRANDS INTERNATIONAL COMMON STOCK 360921100 1 33 SH DEFINED 33 0 0
GANNETT COMPANY INC COMMON STOCK 364730101 338 4800 SH DEFINED 4800 0 0
GAP INC COMMON STOCK 364760108 95 1906 SH DEFINED 1906 0 0
GAP INC COMMON STOCK 364760108 9 175 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 31858 204711 SH DEFINED 202156 0 2555
GENERAL ELECTRIC COMPANY COMMON STOCK 369604103 11735 75405 SH OTHER 72525 0 2880
GENERAL MILLS INC COMMON STOCK 370334104 120 3320 SH DEFINED 3320 0 0
GENERAL MILLS INC COMMON STOCK 370334104 111 3062 SH OTHER 3062 0 0
GENERAL MOTORS CORPORATION COMMON STOCK 370442105 1962 23689 SH DEFINED 23689 0 0
GENERAL MOTORS CORPORATION COMMON STOCK 370442105 549 6624 SH OTHER 5324 0 1300
GENERAL MOTORS CORPORATION - C COMMON STOCK 370442832 149 1196 SH DEFINED 1196 0 0
GEORGIA-PACIFIC GROUP COMMON STOCK 373298108 8103 204816 SH DEFINED 203526 0 1290
GEORGIA-PACIFIC GROUP COMMON STOCK 373298108 1149 29035 SH OTHER 29035 0 0
GEORGIA-PACIFIC TIMBER GROUP COMMON STOCK 373298702 9 333 SH DEFINED 333 0 0
GILLETTE COMPANY COMMON STOCK 375766102 241 6398 SH DEFINED 6398 0 0
GILLETTE COMPANY COMMON STOCK 375766102 266 7064 SH OTHER 1864 0 5200
GOLD FIELDS LIMITED COMMON STOCK 38059T106 2 600 SH OTHER 600 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 51 480 SH DEFINED 480 0 0
GOODYEAR TIRE & RUBBER COMPANY COMMON STOCK 382550101 4 185 SH DEFINED 185 0 0
GPU INC COMMON STOCK 36225X100 40 1460 SH DEFINED 1460 0 0
GPU INC COMMON STOCK 36225X100 44 1600 SH OTHER 1600 0 0
GTE CORPORATION COMMON STOCK 362320103 692 9744 SH DEFINED 9744 0 0
GTE CORPORATION COMMON STOCK 362320103 884 12444 SH OTHER 12444 0 0
H J HEINZ COMPANY COMMON STOCK 423074103 55 1575 SH DEFINED 1575 0 0
</TABLE>
<PAGE> 12
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
H J HEINZ COMPANY COMMON STOCK 423074103 56 1607 SH OTHER 1607 0 0
HALLIBURTON COMPANY COMMON STOCK 406216101 845 20550 SH DEFINED 20550 0 0
HALLIBURTON COMPANY COMMON STOCK 406216101 90 2180 SH OTHER 2180 0 0
HARBOR FLA BANCSHARES INC COMMON STOCK 411901101 6 500 SH DEFINED 0 0 500
HARTFORD FINANCIAL SERVICES GR COMMON STOCK 416515104 14 265 SH DEFINED 265 0 0
HCC INSURANCE HOLDINGS INC COMMON STOCK 404132102 80 6000 SH DEFINED 6000 0 0
HEALTH MANAGEMENT ASSOCIATES I COMMON STOCK 421933102 12 850 SH DEFINED 850 0 0
HEALTHSOUTH CORPORATION COMMON STOCK 421924101 46 8000 SH DEFINED 0 0 8000
HERSHEY FOODS CORPORATION COMMON STOCK 427866108 20 400 SH DEFINED 400 0 0
HEWLETT PACKARD COMPANY COMMON STOCK 428236103 344 2590 SH DEFINED 2590 0 0
HEWLETT PACKARD COMPANY COMMON STOCK 428236103 651 4900 SH OTHER 3100 0 1800
HOLLINGER INTERNATIONAL INC- C COMMON STOCK 435569108 6 600 SH DEFINED 600 0 0
HOME DEPOT INC COMMON STOCK 437076102 1483 22998 SH DEFINED 20748 0 2250
HOME DEPOT INC COMMON STOCK 437076102 314 4869 SH OTHER 825 0 4044
HOME-STAKE OIL & GAS COMPANY COMMON STOCK 437356108 8 1125 SH OTHER 1125 0 0
HOMESEEKERS.COM INC COMMON STOCK 437605108 77 5000 SH DEFINED 5000 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 126 2400 SH DEFINED 2400 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 280 5312 SH OTHER 3012 0 2300
HOSPITALITY PROPERTIES TRUST - COMMON STOCK 44106M102 14 700 SH DEFINED 700 0 0
HOUSEHOLD INTERNATIONAL INC COMMON STOCK 441815107 124 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
HYPERFEED TECHNOLOGIES INC COMMON STOCK 44913S102 120 20000 SH DEFINED 20000 0 0
IBP INC COMMON STOCK 449223106 28 1770 SH DEFINED 1770 0 0
IDEC PHARMACEUTICALS CORP COMMON STOCK 449370105 17 175 SH DEFINED 175 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 8 148 SH DEFINED 148 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 67 1212 SH OTHER 1212 0 0
IMCO RECYCLING INC COMMON STOCK 449681105 6 552 SH OTHER 552 0 0
</TABLE>
<PAGE> 13
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
IMS HEALTH INC - W/I COMMON STOCK 449934108 159 9400 SH OTHER 9400 0 0
INDEPENDENCE CMNTY BK CORP COMMON STOCK 453414104 30 2700 SH DEFINED 2700 0 0
INFINITY BROADCASTING CORP COMMON STOCK 45662S102 11 350 SH DEFINED 350 0 0
INSPIRE INSURANCE SOLUTIONS IN COMMON STOCK 457732105 16 5000 SH DEFINED 5000 0 0
INTEL CORPORATION COMMON STOCK 458140100 3526 26728 SH DEFINED 26573 0 155
INTEL CORPORATION COMMON STOCK 458140100 1385 10495 SH OTHER 6065 0 4430
INTERNATIONAL BUSINESS MACHINE COMMON STOCK 459200101 19464 164951 SH DEFINED 162856 0 2095
INTERNATIONAL BUSINESS MACHINE COMMON STOCK 459200101 5730 48560 SH OTHER 46060 0 2500
INTERNATIONAL PAPER COMPANY COMMON STOCK 460146103 38 878 SH DEFINED 878 0 0
INTERPUBLIC GROUP OF COMPANIES COMMON STOCK 460690100 4 80 SH DEFINED 80 0 0
INTERVOICE INC COMMON STOCK 461142101 14 500 SH DEFINED 500 0 0
INVISION TECHNOLOGIES INC COMMON STOCK 461851107 13 2000 SH OTHER 2000 0 0
IPC HOLDINGS LIMITED COMMON STOCK G4933P101 8 686 SH DEFINED 686 0 0
IT GROUP INC COMMON STOCK 465266104 9 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 12 600 SH DEFINED 600 0 0
J C PENNEY INCORPORATED COMMON STOCK 708160106 7 450 SH OTHER 450 0 0
J P MORGAN & COMPANY INC COMMON STOCK 616880100 15225 115559 SH DEFINED 114802 0 757
J P MORGAN & COMPANY INC COMMON STOCK 616880100 1953 14822 SH OTHER 14822 0 0
JEFFERSON-PILOT CORPPORATION COMMON STOCK 475070108 24 360 SH DEFINED 360 0 0
JMAR TECHNOLOGIES INC COMMON STOCK 466212107 956 85000 SH OTHER 85000 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1068 15205 SH DEFINED 15205 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1068 15200 SH OTHER 12900 0 2300
KAISER VENTURES INC COMMON STOCK 483100103 0 13 SH OTHER 13 0 0
KANEB PIPELINE PARTNERS L.P. COMMON STOCK 484169107 326 13000 SH OTHER 13000 0 0
KANSAS CITY POWER & LIGHT COMP COMMON STOCK 485134100 87 3000 SH OTHER 3000 0 0
KELLOGG COMPANY COMMON STOCK 487836108 10 400 SH DEFINED 400 0 0
KEY PRODUCTION COMPANY INC COMMON STOCK 493138101 6 416 SH DEFINED 416 0 0
</TABLE>
<PAGE> 14
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
KEYCORP COMMON STOCK 493267108 23 1200 SH DEFINED 1200 0 0
KEYCORP COMMON STOCK 493267108 12 630 SH OTHER 630 0 0
KEYSTONE CONSOLIDATED INDUSTRI COMMON STOCK 493422109 53 11200 SH DEFINED 11200 0 0
KIMBERLY-CLARK CORPORATION COMMON STOCK 494368103 214 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 476 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 1007 5880 SH DEFINED 5635 0 245
KONINKLIJKE (ROYAL) PHILIPS EL COMMON STOCK 500472204 58 340 SH OTHER 295 0 45
K2 INC COMMON STOCK 482732104 18 2280 SH OTHER 2280 0 0
LABORATORY CORP OF AMERICA HOL COMMON STOCK 50540R102 19 4500 SH DEFINED 4500 0 0
LANCASTER COLONY CORPORATION COMMON STOCK 513847103 17 550 SH DEFINED 550 0 0
LEHMAN BROTHERS HOLDINGS, INC COMMON STOCK 524908100 136 1400 SH OTHER 0 0 1400
LERNOUT & HAUSPIE SPEECH PRODU COMMON STOCK B5628B104 608 5500 SH DEFINED 5500 0 0
LIFECELL CORPORATION COMMON STOCK 531927101 5 700 SH DEFINED 700 0 0
LIFEPOINT HOSPITALS INC COMMON STOCK 53219L109 0 13 SH DEFINED 13 0 0
LINCOLN NATIONAL CORPORATION COMMON STOCK 534187109 14 408 SH DEFINED 408 0 0
LINDSAY MANUFACTURING COMPANY COMMON STOCK 535555106 5 300 SH DEFINED 300 0 0
LITTLEFUSE INC COMMON STOCK 537008104 18 500 SH DEFINED 500 0 0
LITTON INDUSTRIES INC COMMON STOCK 538021106 48 1092 SH OTHER 1092 0 0
LOCKHEED MARTIN CORPORATION COMMON STOCK 539830109 982 48060 SH DEFINED 47915 0 145
LOEWS CORPORATION COMMON STOCK 540424108 15 300 SH DEFINED 300 0 0
LOWE'S COMPANIES INC COMMON STOCK 548661107 29 500 SH OTHER 500 0 0
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 15023 245281 SH DEFINED 240516 0 4765
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 4945 80731 SH OTHER 78631 0 2100
M.A. HANNA COMPANY COMMON STOCK 410522106 38 3330 SH OTHER 3330 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106 47 3187 SH DEFINED 3187 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106 100 6808 SH OTHER 6808 0 0
</TABLE>
<PAGE> 15
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
MARSH & MCLENNAN COMPANIES INC COMMON STOCK 571748102 18605 168654 SH DEFINED 166777 0 1877
MARSH & MCLENNAN COMPANIES INC COMMON STOCK 571748102 3420 31007 SH OTHER 30947 0 60
MARTIN INDUSTRIES, INC COMMON STOCK 57326K102 221 126525 SH OTHER 126525 0 0
MATTEL INCORPORATED COMMON STOCK 577081102 3 300 SH DEFINED 300 0 0
MAYTAG CORPORATION COMMON STOCK 578592107 53 1615 SH DEFINED 1615 0 0
MAYTAG CORPORATION COMMON STOCK 578592107 2 60 SH OTHER 60 0 0
MBIA INCORPORATED COMMON STOCK 55262C100 55 1050 SH DEFINED 1050 0 0
MBIA INCORPORATED COMMON STOCK 55262C100 708 13600 SH OTHER 13600 0 0
MBNA CORPORATION COMMON STOCK 55262L100 57 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 296 7908 SH DEFINED 7908 0 0
MCDONALD'S CORPORATION COMMON STOCK 580135101 184 4920 SH OTHER 520 0 4400
MCGRAW-HILL COMPANIES INC COMMON STOCK 580645109 473 10400 SH DEFINED 10400 0 0
MCGRAW-HILL COMPANIES INC COMMON STOCK 580645109 38 846 SH OTHER 846 0 0
MCI WORLDCOM INC COMMON STOCK 55268B106 13787 304261 SH DEFINED 302496 0 1765
MCI WORLDCOM INC COMMON STOCK 55268B106 2204 48644 SH OTHER 44744 0 3900
MCN ENERGY GROUP, INC. COMMON STOCK 55267J100 3 100 SH DEFINED 100 0 0
MEDIAONE GROUP, INC COMMON STOCK 58440J104 298 3676 SH DEFINED 3676 0 0
MEDIAONE GROUP, INC COMMON STOCK 58440J104 60 739 SH OTHER 739 0 0
MEDIMMUNE INC COMMON STOCK 584699102 11733 67385 SH DEFINED 66870 0 515
MEDIMMUNE INC COMMON STOCK 584699102 1994 11450 SH OTHER 11450 0 0
MEDTRONIC INCORPORATED COMMON STOCK 585055106 446 8662 SH DEFINED 6662 0 2000
MEDTRONIC INCORPORATED COMMON STOCK 585055106 257 5000 SH OTHER 200 0 4800
MELLON FINANCIAL CORPORATION COMMON STOCK 58551A108 9874 331896 SH DEFINED 329341 0 2555
MELLON FINANCIAL CORPORATION COMMON STOCK 58551A108 1803 60616 SH OTHER 60616 0 0
MERCK & COMPANY INC COMMON STOCK 589331107 14088 226765 SH DEFINED 224035 0 2730
MERCK & COMPANY INC COMMON STOCK 589331107 3411 54903 SH OTHER 52003 0 2900
MERRILL LYNCH & CO INC COMMON STOCK 590188108 230 2192 SH DEFINED 2192 0 0
</TABLE>
<PAGE> 16
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
MERRILL LYNCH & CO INC COMMON STOCK 590188108 231 2200 SH OTHER 200 0 2000
MICROSOFT CORPORATION COMMON STOCK 594918104 4934 46434 SH DEFINED 46134 0 300
MICROSOFT CORPORATION COMMON STOCK 594918104 688 6475 SH OTHER 3175 0 3300
MILACRON INC COMMON STOCK 598709103 36 2520 SH OTHER 2520 0 0
MINNESOTA MINING & MANUFACTURI COMMON STOCK 604059105 412 4650 SH DEFINED 4650 0 0
MITCHELL ENERGY & DEVELOPMENT COMMON STOCK 606592202 98 4500 SH DEFINED 4500 0 0
MOLEX INCORPORATED CLASS A COMMON STOCK 608554200 260 5858 SH DEFINED 5858 0 0
MONARCH DENTAL CORPORATION COMMON STOCK 609044102 4 1540 SH DEFINED 1540 0 0
MONSANTO COMPANY COMMON STOCK 611662107 171 3330 SH DEFINED 3330 0 0
MORGAN STANLEY DEAN WITTER & C COMMON STOCK 617446448 1596 19260 SH DEFINED 18860 0 400
MORGAN STANLEY DEAN WITTER & C COMMON STOCK 617446448 96 1164 SH OTHER 1094 0 70
MOTOROLA INC COMMON STOCK 620076109 10978 75190 SH DEFINED 73705 0 1485
MOTOROLA INC COMMON STOCK 620076109 2760 18905 SH OTHER 16280 0 2625
MYLAN LABORATORIES INCORPORATE COMMON STOCK 628530107 8 300 SH DEFINED 300 0 0
NABORS INDUSTRIES INC COMMON STOCK 629568106 1 14 SH OTHER 14 0 0
NATIONAL CITY CORPORATION COMMON STOCK 635405103 191 9250 SH DEFINED 9250 0 0
NATIONAL SERVICE INDUSTRIES IN COMMON STOCK 637657107 42 2000 SH DEFINED 0 0 2000
NCR CORPORATION COMMON STOCK 62886E108 6 143 SH DEFINED 143 0 0
NCR CORPORATION COMMON STOCK 62886E108 2 38 SH OTHER 38 0 0
NEON SYSTEMS INC COMMON STOCK 640509105 33 1000 SH DEFINED 1000 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
NISOURCE INC COMMON STOCK 65473P105 39 2340 SH DEFINED 2340 0 0
NORFOLK SOUTHERN CORPORATION COMMON STOCK 655844108 15 1026 SH DEFINED 1026 0 0
NORFOLK SOUTHERN CORPORATION COMMON STOCK 655844108 258 18100 SH OTHER 18100 0 0
NORTEL NETWORKS CORP COMMON STOCK 656569100 20228 160382 SH DEFINED 156932 0 3450
NORTEL NETWORKS CORP COMMON STOCK 656569100 5660 44880 SH OTHER 44880 0 0
NORTHERN BORDER PARTNERS L P COMMON STOCK 664785102 353 13000 SH OTHER 13000 0 0
</TABLE>
<PAGE> 17
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
NORTHERN STATES POWER COMPANY COMMON STOCK 665772109 33 1650 SH OTHER 1650 0 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102 111 2100 SH OTHER 0 0 2100
NSTAR COMMON STOCK 67019E107 28 677 SH DEFINED 677 0 0
NTL INC COMMON STOCK 629407107 14 150 SH DEFINED 150 0 0
OCCIDENTAL PETROLEUM CORPORATI COMMON STOCK 674599105 65 3122 SH DEFINED 3122 0 0
OCCIDENTAL PETROLEUM CORPORATI COMMON STOCK 674599105 28 1350 SH OTHER 1100 0 250
OCEAN ENERGY INC COMMON STOCK 67481E106 19 1300 SH DEFINED 1300 0 0
OCTEL CORPORATION COMMON STOCK 675727101 2 171 SH DEFINED 171 0 0
OFFICEMAX INC COMMON STOCK 67622M108 7 1000 SH DEFINED 1000 0 0
OLD REPUBLIC INTERNATIONAL COR COMMON STOCK 680223104 58 4248 SH OTHER 4248 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 14763 157680 SH DEFINED 155940 0 1740
OMNICOM GROUP INC COMMON STOCK 681919106 2980 31826 SH OTHER 31826 0 0
ONEOK INC COMMON STOCK 682680103 15 600 SH DEFINED 600 0 0
ONTRO INC COMMON STOCK 683380109 37 15000 SH DEFINED 15000 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 722 9250 SH DEFINED 9250 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 578 7400 SH OTHER 0 0 7400
PACTIV CORP COMMON STOCK 695257105 21 2403 SH DEFINED 2403 0 0
PACTIV CORP COMMON STOCK 695257105 5 569 SH OTHER 569 0 0
PAPA JOHN'S INTERNATIONAL INC COMMON STOCK 698813102 50 1500 SH DEFINED 1500 0 0
PECO ENERGY COMPANY COMMON STOCK 693304107 2 52 SH DEFINED 52 0 0
PECO ENERGY COMPANY COMMON STOCK 693304107 37 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 122 3512 SH DEFINED 3512 0 0
PEPSICO INC COMMON STOCK 713448108 309 8846 SH OTHER 46 0 8800
PFIZER INCORPORATED COMMON STOCK 717081103 16473 450553 SH DEFINED 447618 0 2935
PFIZER INCORPORATED COMMON STOCK 717081103 3830 104743 SH OTHER 101043 0 3700
PG&E CORPORATION COMMON STOCK 69331C108 37 1750 SH DEFINED 1750 0 0
PHARMACIA & UPJOHN INC COMMON STOCK 716941109 297 4985 SH DEFINED 4985 0 0
</TABLE>
<PAGE> 18
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
PHILIP MORRIS COMPANIES INC COMMON STOCK 718154107 140 6620 SH DEFINED 6620 0 0
PHILIP MORRIS COMPANIES INC COMMON STOCK 718154107 63 2988 SH OTHER 2988 0 0
PHILLIPS PETROLEUM COMPANY COMMON STOCK 718507106 228 4920 SH DEFINED 4920 0 0
PIEDMONT NATURAL GAS INC COMMON STOCK 720186105 21 820 SH DEFINED 820 0 0
PITNEY BOWES INC COMMON STOCK 724479100 6 135 SH DEFINED 135 0 0
PLAYTEX PRODUCTS INC COMMON STOCK 72813P100 8 650 SH DEFINED 650 0 0
PLUM CREEK TIMBER COMPANY INC COMMON STOCK 729251108 37 1500 SH OTHER 1500 0 0
PNC FINANCIAL SERVICES GROUP COMMON STOCK 693475105 1208 26814 SH DEFINED 26279 0 535
PNC FINANCIAL SERVICES GROUP COMMON STOCK 693475105 43 950 SH OTHER 800 0 150
POGO PRODUCING COMPANY COMMON STOCK 730448107 4 150 SH DEFINED 150 0 0
POPE & TALBOT INC COMMON STOCK 732827100 10 530 SH OTHER 530 0 0
POTOMAC ELECTRIC POWER COMPANY COMMON STOCK 737679100 3 148 SH DEFINED 148 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 366 7000 SH OTHER 7000 0 0
PRAXAIR INC COMMON STOCK 74005P104 2 45 SH DEFINED 45 0 0
PRIMARK CORPORATION COMMON STOCK 741903108 1 50 SH DEFINED 50 0 0
PRIVATE MEDIA GROUP INC COMMON STOCK 74266R104 7 200 SH DEFINED 200 0 0
PROCTER & GAMBLE COMPANY COMMON STOCK 742718109 2548 45090 SH DEFINED 45090 0 0
PROCTER & GAMBLE COMPANY COMMON STOCK 742718109 368 6509 SH OTHER 6509 0 0
PROTECTIVE LIFE CORPORATION COMMON STOCK 743674103 38 1200 SH DEFINED 1200 0 0
QWEST COMMUNICATIONS INTL COMMON STOCK 749121109 18 375 SH DEFINED 375 0 0
R & B FALCON CORP COMMON STOCK 74912E101 4 188 SH OTHER 188 0 0
RALCORP HLDGS INC NEW COMMON STOCK 751028101 136 9396 SH OTHER 9396 0 0
RALSTON-RALSTON PURINA GROUP COMMON STOCK 751277302 2418 87945 SH OTHER 87945 0 0
RAYMOND JAMES FINANCIAL INC COMMON STOCK 754730109 56 2700 SH DEFINED 2700 0 0
RAYTHEON COMPANY - CLASS A COMMON STOCK 755111309 31 1659 SH DEFINED 1659 0 0
RAYTHEON COMPANY - CLASS A COMMON STOCK 755111309 1 76 SH OTHER 76 0 0
RAYTHEON COMPANY - CLASS B COMMON STOCK 755111408 26 1470 SH DEFINED 1470 0 0
RAYTHEON COMPANY - CLASS B COMMON STOCK 755111408 11 600 SH OTHER 600 0 0
</TABLE>
<PAGE> 19
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
REALTY INCOME CORPORATION - RE COMMON STOCK 756109104 42 2187 SH DEFINED 2187 0 0
REGIONS FINANCIAL CORPORATION COMMON STOCK 758940100 151 6604 SH DEFINED 4404 0 2200
RELIANT ENERGY INC COMMON STOCK 75952J108 235 9978 SH DEFINED 9978 0 0
RELIANT ENERGY INC COMMON STOCK 75952J108 146 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 4 400 SH DEFINED 400 0 0
ROCKWELL INTERNATIONAL CORPORA COMMON STOCK 773903109 11 268 SH DEFINED 268 0 0
ROYAL DUTCH PETROLEUM CO - NY COMMON STOCK 780257804 1778 30760 SH DEFINED 30235 0 525
ROYAL DUTCH PETROLEUM CO - NY COMMON STOCK 780257804 121 2088 SH OTHER 1988 0 100
SAFECO CORPORATION COMMON STOCK 786429100 18 690 SH DEFINED 690 0 0
SAFEWAY INC COMMON STOCK 786514208 11 250 SH DEFINED 250 0 0
SARA LEE CORPORATION COMMON STOCK 803111103 68 3750 SH DEFINED 3750 0 0
SARA LEE CORPORATION COMMON STOCK 803111103 14 800 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 2432 57743 SH DEFINED 55520 0 2223
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 729 17298 SH OTHER 17298 0 0
SCHERING-PLOUGH CORPORATION COMMON STOCK 806605101 379 10200 SH DEFINED 10200 0 0
SCHERING-PLOUGH CORPORATION COMMON STOCK 806605101 1114 30000 SH OTHER 30000 0 0
SCHLUMBERGER LIMITED COMMON STOCK 806857108 11706 153021 SH DEFINED 151661 0 1360
SCHLUMBERGER LIMITED COMMON STOCK 806857108 2627 34340 SH OTHER 34340 0 0
SCI SYSTEMS INC COMMON STOCK 783890106 48 900 SH DEFINED 900 0 0
SEARS ROEBUCK & CO COMMON STOCK 812387108 48 1577 SH DEFINED 1577 0 0
SEARS ROEBUCK & CO COMMON STOCK 812387108 26 852 SH OTHER 852 0 0
SEMPRA ENERGY COMMON STOCK 816851109 21 1267 SH DEFINED 1267 0 0
SERVICEMASTER COMPANY COMMON STOCK 81760N109 57 5062 SH DEFINED 5062 0 0
SHERWIN WILLIAMS COMPANY COMMON STOCK 824348106 34 1530 SH DEFINED 1530 0 0
SHOPKO STORES INC COMMON STOCK 824911101 34 1910 SH OTHER 1910 0 0
SIEBEL SYSTEMS INC COMMON STOCK 826170102 9063 75880 SH DEFINED 75305 0 575
</TABLE>
<PAGE> 20
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
SIEBEL SYSTEMS INC COMMON STOCK 826170102 1484 12425 SH OTHER 12425 0 0
SLM HOLDING CORPORATION COMMON STOCK 78442A109 37 1110 SH DEFINED 1110 0 0
SOLECTRON CORPORATION COMMON STOCK 834182107 11190 278883 SH DEFINED 276673 0 2210
SOLECTRON CORPORATION COMMON STOCK 834182107 2107 52500 SH OTHER 52500 0 0
SOLUTIA INC COMMON STOCK 834376105 11 845 SH DEFINED 845 0 0
SONIC CORPORATION COMMON STOCK 835451105 22 801 SH DEFINED 801 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 1201 55210 SH DEFINED 54045 0 1165
SOUTHERN COMPANY COMMON STOCK 842587107 106 4855 SH OTHER 3645 0 1210
SOUTHTRUST CORPORATION COMMON STOCK 844730101 8969 352596 SH DEFINED 18132 0 334464
SOUTHTRUST CORPORATION COMMON STOCK 844730101 1166 45838 SH OTHER 45838 0 0
SOUTHWEST AIRLINES COMPANY COMMON STOCK 844741108 11353 545496 SH DEFINED 542071 0 3425
SOUTHWEST AIRLINES COMPANY COMMON STOCK 844741108 1608 77252 SH OTHER 77252 0 0
SPRINT CORP (PCS GROUP) COMMON STOCK 852061506 72 1100 SH OTHER 1100 0 0
SPRINT CORPORATION COMMON STOCK 852061100 85 1350 SH DEFINED 1350 0 0
SPRINT CORPORATION COMMON STOCK 852061100 139 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 6 300 SH DEFINED 300 0 0
STARWOOD HOTELS & RESORTS WORL COMMON STOCK 85590A203 5 204 SH DEFINED 204 0 0
STATE STREET CORPORATION COMMON STOCK 857477103 194 2000 SH OTHER 0 0 2000
STEWART & STEVENSON SERVICES I COMMON STOCK 860342104 37 3280 SH OTHER 3280 0 0
STMICROELECTRONICS NV-NY SHARE COMMON STOCK 861012102 7271 38845 SH DEFINED 38565 0 280
STMICROELECTRONICS NV-NY SHARE COMMON STOCK 861012102 1218 6505 SH OTHER 6505 0 0
STORAGE COMPUTER CORP COMMON STOCK 86211A101 151 10800 SH OTHER 10800 0 0
SUN MICROSYSTEMS INC COMMON STOCK 866810104 21668 231241 SH DEFINED 229331 0 1910
SUN MICROSYSTEMS INC COMMON STOCK 866810104 1822 19445 SH OTHER 19295 0 150
SUNTRUST BANKS INC COMMON STOCK 867914103 64 1100 SH DEFINED 300 0 800
SUNTRUST BANKS INC COMMON STOCK 867914103 104 1800 SH OTHER 1800 0 0
</TABLE>
<PAGE> 21
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
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 142 7500 SH DEFINED 0 0 7500
SYNOVUS FINANCIAL CORPORATION COMMON STOCK 87161C105 112 5938 SH OTHER 5938 0 0
SYSCO CORPORATION COMMON STOCK 871829107 1313 36355 SH DEFINED 35980 0 375
SYSCO CORPORATION COMMON STOCK 871829107 112 3103 SH OTHER 3003 0 100
TARGET CORP COMMON STOCK 87612E106 16484 220522 SH DEFINED 217902 0 2620
TARGET CORP COMMON STOCK 87612E106 4608 61649 SH OTHER 61649 0 0
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 14 803 SH DEFINED 803 0 0
TELLABS INC COMMON STOCK 879664100 189 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 2 280 SH DEFINED 280 0 0
TENNECO AUTOMOTIVE INC COMMON STOCK 880349105 1 112 SH OTHER 112 0 0
TEXACO INC COMMON STOCK 881694103 227 4224 SH DEFINED 4224 0 0
TEXACO INC COMMON STOCK 881694103 198 3684 SH OTHER 3684 0 0
TEXAS INDUSTRIES INC COMMON STOCK 882491103 33 1050 SH DEFINED 1050 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 376 2349 SH DEFINED 2349 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 136 850 SH OTHER 50 0 800
TEXAS PACIFIC LAND TRUST COMMON STOCK 882610108 13 325 SH DEFINED 325 0 0
TEXAS UTILITIES COMPANY COMMON STOCK 882848104 60 2015 SH DEFINED 2015 0 0
TEXAS UTILITIES COMPANY COMMON STOCK 882848104 107 3600 SH OTHER 3600 0 0
TEXTRON INCORPORATED COMMON STOCK 883203101 24 400 SH DEFINED 400 0 0
THCG INC COMMON STOCK 87242T101 325 22618 SH DEFINED 22618 0 0
THE B F GOODRICH COMPANY COMMON STOCK 382388106 69 2400 SH DEFINED 2400 0 0
THE BANC CORPORATION COMMON STOCK 05944B103 114 20000 SH DEFINED 20000 0 0
THE EARTHGRAINS COMPANY COMMON STOCK 270319106 171 11468 SH DEFINED 11468 0 0
THE LIMITED INC COMMON STOCK 532716107 3 64 SH DEFINED 64 0 0
THE WALT DISNEY COMPANY COMMON STOCK 254687106 654 15863 SH DEFINED 15863 0 0
</TABLE>
<PAGE> 22
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
THE WALT DISNEY COMPANY COMMON STOCK 254687106 309 7489 SH OTHER 1889 0 5600
TIME WARNER INC COMMON STOCK 887315109 15438 154379 SH DEFINED 153059 0 1320
TIME WARNER INC COMMON STOCK 887315109 3526 35263 SH OTHER 32763 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 13769 595397 SH DEFINED 595397 0 0
TORO COMPANY COMMON STOCK 891092108 25 820 SH OTHER 820 0 0
TOYS "R" US INC COMMON STOCK 892335100 28 1890 SH DEFINED 1890 0 0
TRANSOCEAN SEDCO FOREX INC COMMON STOCK G90078109 54 1049 SH DEFINED 1049 0 0
TRANSOCEAN SEDCO FOREX INC COMMON STOCK G90078109 33 639 SH OTHER 639 0 0
TRIAD HOSPITALS INC COMMON STOCK 89579K109 0 13 SH DEFINED 13 0 0
TRIBUNE COMPANY COMMON STOCK 896047107 181 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 37 1570 SH OTHER 1570 0 0
TRW INC COMMON STOCK 872649108 187 3200 SH DEFINED 3200 0 0
TRW INC COMMON STOCK 872649108 140 2400 SH OTHER 2400 0 0
TSI INCORPORATED COMMON STOCK 872876107 26 1794 SH DEFINED 1794 0 0
TUPPERWARE CORPORATION COMMON STOCK 899896104 2 112 SH DEFINED 112 0 0
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 17757 354253 SH DEFINED 351348 0 2905
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 3402 67865 SH OTHER 63065 0 4800
TYLER TECHNOLOGIES INC COMMON STOCK 902252105 7 1250 SH OTHER 1250 0 0
UGI CORPORATION COMMON STOCK 902681105 13 600 SH DEFINED 600 0 0
UNICOM CORPORATION COMMON STOCK 904911104 37 1000 SH OTHER 1000 0 0
UNION CARBIDE CORPORATION COMMON STOCK 905581104 236 4045 SH DEFINED 4045 0 0
UNION PACIFIC CORPORATION COMMON STOCK 907818108 243 6200 SH DEFINED 6200 0 0
UNION PACIFIC CORPORATION COMMON STOCK 907818108 74 1889 SH OTHER 1889 0 0
UNION PACIFIC RESOURCES GROUP COMMON STOCK 907834105 69 4742 SH DEFINED 4742 0 0
</TABLE>
<PAGE> 23
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
UNION PACIFIC RESOURCES GROUP COMMON STOCK 907834105 23 1599 SH OTHER 1599 0 0
UNION PLANTERS CORPORATION COMMON STOCK 908068109 36 1181 SH DEFINED 1181 0 0
UNION PLANTERS CORPORATION COMMON STOCK 908068109 0 2 SH OTHER 2 0 0
UNITED ILLUMINATING COMPANY COMMON STOCK 910637107 59 1500 SH DEFINED 1500 0 0
UNITED TECHNOLOGIES CORPORATIO COMMON STOCK 913017109 43 675 SH DEFINED 675 0 0
UNITED TECHNOLOGIES CORPORATIO COMMON STOCK 913017109 2036 32214 SH OTHER 30214 0 2000
UNITRIN INC COMMON STOCK 913275103 527 13250 SH DEFINED 13250 0 0
UNIVISION COMMUNICATIONS INC - COMMON STOCK 914906102 11870 105041 SH DEFINED 104401 0 640
UNIVISION COMMUNICATIONS INC - COMMON STOCK 914906102 949 8400 SH OTHER 8400 0 0
UNOVA INC COMMON STOCK 91529B106 15 1092 SH OTHER 1092 0 0
US WEST INC COMMON STOCK 91273H101 382 5256 SH DEFINED 4936 0 320
US WEST INC COMMON STOCK 91273H101 120 1658 SH OTHER 1658 0 0
UST INCORPORATED COMMON STOCK 902911106 159 10200 SH DEFINED 10200 0 0
VENATOR GROUP INC COMMON STOCK 922944103 27 3000 SH DEFINED 3000 0 0
VERISIGN INC COMMON STOCK 92343E102 9 60 SH DEFINED 60 0 0
VOICESTREAM WIRELESS CORP COMMON STOCK 928615103 17 135 SH DEFINED 135 0 0
VULCAN MATERIALS COMPANY COMMON STOCK 929160109 82 1800 SH OTHER 1800 0 0
WACHOVIA CORPORATION COMMON STOCK 929771103 219 3240 SH DEFINED 3240 0 0
WACHOVIA CORPORATION COMMON STOCK 929771103 49 720 SH OTHER 720 0 0
WADDELL & REED FINANCIAL - CL COMMON STOCK 930059209 5554 142414 SH DEFINED 142414 0 0
WADDELL & REED FINANCIAL-A COMMON STOCK 930059100 1386 32767 SH DEFINED 32767 0 0
WAL MART STORES INC COMMON STOCK 931142103 20443 361816 SH DEFINED 358851 0 2965
WAL MART STORES INC COMMON STOCK 931142103 3399 60155 SH OTHER 57610 0 2545
WARNER LAMBERT COMPANY COMMON STOCK 934488107 474 4854 SH DEFINED 4854 0 0
WARNER LAMBERT COMPANY COMMON STOCK 934488107 586 6000 SH OTHER 1000 0 5000
WASHINGTON MUTUAL INC COMMON STOCK 939322103 9 337 SH DEFINED 337 0 0
WASTE MANAGEMENT, INC. COMMON STOCK 94106L109 32 2358 SH DEFINED 2358 0 0
WASTE MANAGEMENT, INC. COMMON STOCK 94106L109 1 72 SH OTHER 72 0 0
</TABLE>
<PAGE> 24
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
WATSON PHARMACEUTICALS INC COMMON STOCK 942683103 16 400 SH DEFINED 400 0 0
WEATHERFORD INTERNATIONAL COMMON STOCK 947074100 10 179 SH OTHER 179 0 0
WEBS GERMANY INDEX SERIES COMMON STOCK 92923H608 123 4555 SH OTHER 4555 0 0
WEBS JAPAN INDEX SERIES COMMON STOCK 92923H889 241 14623 SH DEFINED 14623 0 0
WEBS JAPAN INDEX SERIES COMMON STOCK 92923H889 83 5000 SH OTHER 5000 0 0
WEBS UNITED KINGDOM INDEX SERI COMMON STOCK 92923H798 94 4590 SH OTHER 4590 0 0
WEINGARTEN REALTY INVESTORS - COMMON STOCK 948741103 44 1200 SH DEFINED 1200 0 0
WELLMAN INC COMMON STOCK 949702104 35 1790 SH OTHER 1790 0 0
WELLS FARGO COMPANY COMMON STOCK 949746101 143 3517 SH DEFINED 3517 0 0
WESTVACO CORPORATION COMMON STOCK 961548104 8 225 SH DEFINED 225 0 0
WEYERHAEUSER COMPANY COMMON STOCK 962166104 188 3295 SH DEFINED 3295 0 0
WEYERHAEUSER COMPANY COMMON STOCK 962166104 21 360 SH OTHER 360 0 0
WHIRLPOOL CORPORATION COMMON STOCK 963320106 10 167 SH DEFINED 167 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100 1311 29849 SH DEFINED 28994 0 855
WILLIAMS COMPANIES INC COMMON STOCK 969457100 148 3370 SH OTHER 3215 0 155
WINN-DIXIE STORES INC COMMON STOCK 974280109 34 1772 SH DEFINED 1772 0 0
WM. WRIGLEY JR COMPANY COMMON STOCK 982526105 94 1230 SH DEFINED 1230 0 0
XEROX CORPORATION COMMON STOCK 984121103 94 3600 SH DEFINED 3600 0 0
XEROX CORPORATION COMMON STOCK 984121103 26 1000 SH OTHER 1000 0 0
XILINX INC COMMON STOCK 983919101 99 1190 SH DEFINED 1190 0 0
YAHOO INC COMMON STOCK 984332106 218 1270 SH DEFINED 870 0 400
AEGON N V ORD AMER REG COMMON STOCK 007924103 116 1436 SH OTHER 1436 0 0
ALCATEL ADR COMMON STOCK 013904305 62 1440 SH DEFINED 1440 0 0
ASTRAZENECA GROUP PLC - SP ADR COMMON STOCK 046353108 10 252 SH DEFINED 252 0 0
AVENTIS S.A. - SP ADR COMMON STOCK 053561106 16 300 SH OTHER 300 0 0
BP AMOCO PLC-SP ADR COMMON STOCK 055622104 332 6242 SH DEFINED 6242 0 0
BP AMOCO PLC-SP ADR COMMON STOCK 055622104 520 9774 SH OTHER 7674 0 2100
CELLTECH GROUP PLC-SP ADR COMMON STOCK 151158102 325 9350 SH OTHER 9350 0 0
</TABLE>
<PAGE> 25
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
DAIMLER-CHRYSLER AG-ADR COMMON STOCK D1668R123 114 1743 SH DEFINED 1743 0 0
DAIMLER-CHRYSLER AG-ADR COMMON STOCK D1668R123 82 1256 SH OTHER 1256 0 0
DEUTSCHE TELEKOM AG-SP ADR COMMON STOCK 251566105 1295 16140 SH DEFINED 15780 0 360
DEUTSCHE TELEKOM AG-SP ADR COMMON STOCK 251566105 39 485 SH OTHER 420 0 65
DIAGEO PLC COMMON STOCK 25243Q205 24 807 SH DEFINED 807 0 0
EMPRESA NACIONAL-SP ADR COMMON STOCK 29244T101 16 1515 SH DEFINED 1515 0 0
ERICSSON LM TEL SPONS ADR COMMON STOCK 294821400 113 1200 SH DEFINED 1200 0 0
GALLAHER GROUP PLC UNSPON ADR COMMON STOCK 363595109 35 1760 SH DEFINED 1760 0 0
GALLAHER GROUP PLC UNSPON ADR COMMON STOCK 363595109 35 1800 SH OTHER 1800 0 0
GLAXO WELLCOME PLC SPONS ADR COMMON STOCK 37733W105 34 600 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 37 300 SH DEFINED 300 0 0
KLM ROYAL DUTCH AIR-SP ADR COMMON STOCK 482516309 20 958 SH OTHER 958 0 0
NOKIA CORP - SPONS ADR "A" COMMON STOCK 654902204 1158 5215 SH DEFINED 4465 0 750
NOKIA CORP - SPONS ADR "A" COMMON STOCK 654902204 124 560 SH OTHER 530 0 30
SCOTTISHPOWER PLC-SP ADR COMMON STOCK 81013T705 64 2030 SH DEFINED 2030 0 0
SHELL TRANSPORT & TRADING-SPON COMMON STOCK 822703609 231 4700 SH OTHER 0 0 4700
TELECOM CORP OF NEW ZEALAND-SP COMMON STOCK 879278208 34 940 SH DEFINED 940 0 0
TOKIO MARINE & FIRE - SPONS AD COMMON STOCK 889090403 35 670 SH DEFINED 670 0 0
TOTAL FINA SA - SP ADR COMMON STOCK 89151E109 46 627 SH DEFINED 627 0 0
VODAFONE AIRTOUCH PLC COMMON STOCK 92857T107 8015 144250 SH DEFINED 142530 0 1720
VODAFONE AIRTOUCH PLC COMMON STOCK 92857T107 1544 27780 SH OTHER 27780 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 69 3000 SH DEFINED N.A. N.A. N.A.
FREEPORT-MCMORAN 7.00% CONV PR PREFERRED STOCK 35671D501 15 1000 SH DEFINED N.A. N.A. N.A.
QUINTILES TRANS NTS 4.250% 5 OTHER 748767AC4 2 2000 PRN DEFINED N.A. N.A. N.A.
ONTRO INC - WARRANTS 5 OTHER 683380117 6 15000 SH DEFINED 15000 0 0
ACM GOVERNMENT SECURITIES FD-C OTHER 000914101 7 1000 SH OTHER 1000 0 0
</TABLE>
<PAGE> 26
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
ADAMS EXPRESS COMPANY-CLSD END OTHER 006212104 121 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
CORPORATE HIGH YIELD FUND III OTHER 219925104 6 565 SH DEFINED 565 0 0
GABELLI UTILITY TRUST OTHER 36240A101 2 210 SH DEFINED 210 0 0
INVESTMENT GRADE MUNICIPAL INC OTHER 461368102 6 500 SH DEFINED 500 0 0
JOHN HANCOCK BK & THT OPP FD/C OTHER 409735107 14 2000 SH DEFINED 2000 0 0
MANAGED MUNI PORTFOLIO INC/CLS OTHER 561662107 94 10000 SH DEFINED 10000 0 0
MUNIHOLDINGS INSURED FUND OTHER 625930102 19 1700 SH DEFINED 1700 0 0
NUVEEN INSD MUNI OPPTY FD-CLSD OTHER 670984103 39 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 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 30 2215 SH OTHER 2215 0 0
S & P 500 DEPOSITORY RECEIPTS OTHER 78462F103 15 100 SH DEFINED 100 0 0
SALOMON BROTHERS FUND INC - CL OTHER 795477108 89 4511 SH DEFINED 4511 0 0
STANDARD & POORS MIDCAP 400 DE OTHER 595635103 18 193 SH OTHER 193 0 0
THE MANAGED HIGH YIELD FUND OTHER 56166E101 5 500 SH DEFINED 500 0 0
TRI-CONTINENTAL CORPORATION - OTHER 895436103 107 4186 SH DEFINED 4186 0 0
ZWEIG FUND OTHER 989834106 50 5000 SH DEFINED 5000 0 0
</TABLE>
