<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: 12/31/99
CHECK HERE IF AMENDMENT ( ); AMENDMENT NUMBER:
THIS AMENDMENT (CHECK ONLY ONE.): ( ) IS A RESTATEMENT.
( ) ADDS NEW HOLDINGS ENTRIES
INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT:
NAME: 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 1/8/00
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: 674
FORM 13F INFORMATION TABLE VALUE TOTAL: $948,056
<PAGE> 3
<TABLE>
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
A T & T CORPORATION COMMON STOCK 001957109 3761 74009 SH DEFINED 72042 0 1967
A T & T CORPORATION COMMON STOCK 001957109 1309 25762 SH OTHER 25562 0 200
ABBOTT LABORATORIES COMMON STOCK 002824100 676 18620 SH DEFINED 18620 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 314 8660 SH OTHER 3000 0 5660
ABERCROMBIE & FITCH COMPANY - COMMON STOCK 002896207 0 2 SH DEFINED 2 0 0
ADAPTEC INC COMMON STOCK 00651F108 10136 203220 SH DEFINED 201520 0 1700
ADAPTEC INC COMMON STOCK 00651F108 2405 48225 SH OTHER 48225 0 0
AES CORPORATION COMMON STOCK 00130H105 41 550 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
AGRIBRANDS INTERNATIONAL COMMON STOCK 00849R105 132 2868 SH OTHER 2868 0 0
ALABAMA NATIONAL BANCORPORATIO COMMON STOCK 010317105 94 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 13 7212 SH DEFINED 7212 0 0
ALCOA INC COMMON STOCK 013817101 15569 187576 SH DEFINED 186476 0 1100
ALCOA INC COMMON STOCK 013817101 2414 29090 SH OTHER 29090 0 0
ALLEGHENY ENERGY INC COMMON STOCK 017361106 11 400 SH DEFINED 400 0 0
ALLEGHENY TECHNOLOGIES INC COMMON STOCK 01741R102 237 10564 SH DEFINED 10564 0 0
ALLERGAN INC COMMON STOCK 018490102 13530 271956 SH DEFINED 270556 0 1400
ALLERGAN INC COMMON STOCK 018490102 2167 43550 SH OTHER 43550 0 0
ALLIANCE CAPITAL MANAGEMENT HO COMMON STOCK 01855A101 1868 62385 SH DEFINED 61085 0 1300
ALLIANCE CAPITAL MANAGEMENT HO COMMON STOCK 01855A101 89 2970 SH OTHER 2670 0 300
ALLIANT ENERGY CORP COMMON STOCK 018802108 16 564 SH DEFINED 200 0 364
ALLIANT ENERGY CORP COMMON STOCK 018802108 17 600 SH OTHER 600 0 0
ALLSTATE CORPORATION COMMON STOCK 020002101 101 4184 SH DEFINED 4184 0 0
ALLSTATE CORPORATION COMMON STOCK 020002101 38 1578 SH OTHER 1578 0 0
ALLTEL CORPORATION COMMON STOCK 020039103 279 3370 SH DEFINED 3370 0 0
ALLTEL CORPORATION COMMON STOCK 020039103 333 4033 SH OTHER 4033 0 0
ALTERA CORP COMMON STOCK 021441100 139 2800 SH DEFINED 2800 0 0
ALTERA CORP COMMON STOCK 021441100 20 400 SH OTHER 400 0 0
AMCAST INDUSTRIAL CORPORATION COMMON STOCK 023395106 27 1640 SH OTHER 1640 0 0
AMEREN CORPORATION COMMON STOCK 023608102 20 618 SH DEFINED 618 0 0
AMERICA ONLINE INCORPORATED COMMON STOCK 02364J104 9370 123486 SH DEFINED 122186 0 1300
AMERICA ONLINE INCORPORATED COMMON STOCK 02364J104 3206 42250 SH OTHER 42250 0 0
AMERICAN ELECTRIC POWER INC COMMON STOCK 025537101 7 216 SH DEFINED 216 0 0
AMERICAN EXPRESS COMPANY COMMON STOCK 025816109 534 3215 SH DEFINED 3215 0 0
AMERICAN EXPRESS COMPANY COMMON STOCK 025816109 137 825 SH OTHER 825 0 0
AMERICAN GENERAL CORPORATION COMMON STOCK 026351106 1929 25428 SH DEFINED 25428 0 0
</TABLE>
<PAGE> 4
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
AMERICAN GENERAL CORPORATION COMMON STOCK 026351106 507 6684 SH OTHER 4084 0 2600
AMERICAN GREETINGS CORPORATION COMMON STOCK 026375105 26 1100 SH DEFINED 1100 0 0
AMERICAN HOME PRODUCTS CORPORA COMMON STOCK 026609107 1471 37469 SH DEFINED 37469 0 0
AMERICAN HOME PRODUCTS CORPORA COMMON STOCK 026609107 312 7944 SH OTHER 7944 0 0
AMERICAN INTERNATIONAL GROUP I COMMON STOCK 026874107 15749 145654 SH DEFINED 144609 0 1045
AMERICAN INTERNATIONAL GROUP I COMMON STOCK 026874107 2880 26632 SH OTHER 23189 0 3443
AMERITRADE HOLDING CORP-CLASS COMMON STOCK 03072H109 7 300 SH DEFINED 300 0 0
AMETEK INC COMMON STOCK 031100100 8 400 SH OTHER 400 0 0
AMGEN INCORPORATED COMMON STOCK 031162100 304 5060 SH DEFINED 2660 0 2400
AMGEN INCORPORATED COMMON STOCK 031162100 18 300 SH OTHER 300 0 0
AMSOUTH BANCORPORATION COMMON STOCK 032165102 635 32882 SH DEFINED 27820 0 5062
AMSOUTH BANCORPORATION COMMON STOCK 032165102 277 14350 SH OTHER 0 0 14350
ANADARKO PETEROLEUM CORPORATIO COMMON STOCK 032511107 45 1320 SH DEFINED 1320 0 0
ANHEUSER BUSCH COMPANY INC COMMON STOCK 035229103 24451 344989 SH DEFINED 343739 0 1250
ANHEUSER BUSCH COMPANY INC COMMON STOCK 035229103 2210 31175 SH OTHER 31175 0 0
AON CORPORATION COMMON STOCK 037389103 891 22275 SH OTHER 22275 0 0
APPLIED MATERIALS INCORPORATED COMMON STOCK 038222105 38 300 SH DEFINED 300 0 0
ARCHER DANIELS MIDLAND COMPANY COMMON STOCK 039483102 25 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 16 580 SH OTHER 580 0 0
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 88 3194 SH DEFINED 3194 0 0
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 88 3214 SH OTHER 314 0 2900
AT&T CORP-LIBERTY MEDIA GROUP COMMON STOCK 001957208 199 3510 SH DEFINED 2510 0 1000
ATLANTIC RICHFIELD COMPANY COMMON STOCK 048825103 2592 29965 SH DEFINED 28965 600 400
ATLANTIC RICHFIELD COMPANY COMMON STOCK 048825103 1251 14465 SH OTHER 14365 0 100
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 59 1092 SH DEFINED 1092 0 0
AVERY DENNISON CORPORATION COMMON STOCK 053611109 43 592 SH DEFINED 592 0 0
AXA FINANCIAL INC COMMON STOCK 002451102 2 64 SH DEFINED 64 0 0
</TABLE>
<PAGE> 5
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
BAKER HUGHES INCORPORATED COMMON STOCK 057224107 64 3015 SH DEFINED 3015 0 0
BAKER HUGHES INCORPORATED COMMON STOCK 057224107 75 3538 SH OTHER 3538 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 163 3252 SH DEFINED 2252 0 1000
BANK OF AMERICA CORP COMMON STOCK 060505104 104 2073 SH OTHER 2073 0 0
BANK OF NEW YORK COMPANY INC COMMON STOCK 064057102 2001 50035 SH DEFINED 49170 0 865
BANK OF NEW YORK COMPANY INC COMMON STOCK 064057102 50 1255 SH OTHER 1085 0 170
BANK ONE CORPORATION COMMON STOCK 06423A103 799 24963 SH DEFINED 24413 0 550
BANK ONE CORPORATION COMMON STOCK 06423A103 29 915 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 21 306 SH DEFINED 306 0 0
BAUSCH & LOMB INC COMMON STOCK 071707103 110 1600 SH OTHER 1600 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 1697 27014 SH DEFINED 26534 0 480
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 336 5345 SH OTHER 2045 0 3300
BELL ATLANTIC CORPORATION COMMON STOCK 077853109 1785 28993 SH DEFINED 27673 0 1320
BELL ATLANTIC CORPORATION COMMON STOCK 077853109 729 11836 SH OTHER 11736 0 100
BELLSOUTH CORPORATION COMMON STOCK 079860102 1303 27832 SH DEFINED 26392 0 1440
BELLSOUTH CORPORATION COMMON STOCK 079860102 330 7056 SH OTHER 7056 0 0
BERKSHIRE HATHAWAY INC - CLASS COMMON STOCK 084670207 406 222 SH DEFINED 222 0 0
BESTFOODS COMMON STOCK 08658U101 7 140 SH DEFINED 140 0 0
BETHLEHEM STEEL CORPORATION COMMON STOCK 087509105 0 50 SH DEFINED 50 0 0
BHA GROUP HOLDINGS INC COMMON STOCK 055446108 3 399 SH DEFINED 399 0 0
BIOMET INCORPORATED COMMON STOCK 090613100 32 800 SH DEFINED 800 0 0
BIOMET INCORPORATED COMMON STOCK 090613100 10 250 SH OTHER 250 0 0
BLACK AND DECKER CORPORATION COMMON STOCK 091797100 57 1100 SH DEFINED 1100 0 0
BMC SOFTWARE INC COMMON STOCK 055921100 24 300 SH DEFINED 300 0 0
BMC SOFTWARE INC COMMON STOCK 055921100 8 100 SH OTHER 100 0 0
BOEING COMPANY COMMON STOCK 097023105 3836 92580 SH DEFINED 91580 0 1000
BOEING COMPANY COMMON STOCK 097023105 26 630 SH OTHER 630 0 0
</TABLE>
<PAGE> 6
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
BOSTON SCIENTIFIC CORPORATION COMMON STOCK 101137107 66 3000 SH DEFINED 3000 0 0
BOWNE AND COMPANY COMMON STOCK 103043105 11 800 SH DEFINED 800 0 0
BRISTOL-MYERS SQUIBB COMPANY COMMON STOCK 110122108 13234 206174 SH DEFINED 204874 0 1300
BRISTOL-MYERS SQUIBB COMPANY COMMON STOCK 110122108 3936 61322 SH OTHER 61322 0 0
BROADWING INC COMMON STOCK 111620100 103 2800 SH DEFINED 2800 0 0
BUCKEYE PARTNERS LP COMMON STOCK 118230101 390 15000 SH OTHER 15000 0 0
BURLINGTON NORTHERN SANTA FE COMMON STOCK 12189T104 175 7200 SH DEFINED 7200 0 0
BURLINGTON NORTHERN SANTA FE COMMON STOCK 12189T104 14 570 SH OTHER 570 0 0
BURLINGTON RESOURCES INCORPORA COMMON STOCK 122014103 56 1700 SH DEFINED 1700 0 0
BURLINGTON RESOURCES INCORPORA COMMON STOCK 122014103 43 1296 SH OTHER 1296 0 0
CABLETRON SYSTEMS INCORPORATED COMMON STOCK 126920107 156 6000 SH DEFINED 6000 0 0
CAMDEN PROPERTY TRUST - REIT COMMON STOCK 133131102 49 1775 SH DEFINED 1775 0 0
CAMPBELL SOUP COMPANY COMMON STOCK 134429109 39 1000 SH DEFINED 1000 0 0
CAMPBELL SOUP COMPANY COMMON STOCK 134429109 39 1000 SH OTHER 1000 0 0
CAPITAL ONE FINANCIAL CORPORAT COMMON STOCK 14040H105 13 265 SH DEFINED 265 0 0
CAPSTEAD MORTGAGE CORP - REIT COMMON STOCK 14067E100 1 337 SH OTHER 337 0 0
CARLISLE COMPANIES INC COMMON STOCK 142339100 63 1744 SH DEFINED 1744 0 0
CAROLINA POWER & LIGHT COMPANY COMMON STOCK 144141108 23 744 SH DEFINED 744 0 0
CATERPILLAR INCORPORATED COMMON STOCK 149123101 77 1631 SH DEFINED 1631 0 0
CATERPILLAR INCORPORATED COMMON STOCK 149123101 75 1600 SH OTHER 1600 0 0
CBS CORPORATION COMMON STOCK 12490K107 1840 28775 SH DEFINED 28375 0 400
CBS CORPORATION COMMON STOCK 12490K107 29 450 SH OTHER 350 0 100
CELANESE AG COMMON STOCK D1497A101 1 40 SH OTHER 40 0 0
CENTRAL AND SOUTHWEST CORPORAT COMMON STOCK 152357109 52 2600 SH DEFINED 1000 0 1600
CENTURYTEL INC COMMON STOCK 156700106 11 225 SH DEFINED 225 0 0
CENTURYTEL INC COMMON STOCK 156700106 213 4500 SH OTHER 4500 0 0
CHAMPION INTERNATIONAL CORPORA COMMON STOCK 158525105 194 3140 SH DEFINED 3140 0 0
CHARLES SCHWAB INCORPORATED COMMON STOCK 808513105 142 3717 SH DEFINED 3417 0 300
</TABLE>
<PAGE> 7
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
CHASE MANHATTAN CORPORATION COMMON STOCK 16161A108 2421 31167 SH DEFINED 30292 0 875
CHASE MANHATTAN CORPORATION COMMON STOCK 16161A108 280 3600 SH OTHER 400 0 3200
CHEVRON CORPORATION COMMON STOCK 166751107 1963 22664 SH DEFINED 22664 0 0
CHEVRON CORPORATION COMMON STOCK 166751107 1046 12072 SH OTHER 12072 0 0
CINERGY CORPORATION COMMON STOCK 172474108 32 1345 SH DEFINED 1345 0 0
CISCO SYSTEMS INCORPORATED COMMON STOCK 17275R102 21947 204876 SH DEFINED 201030 0 3846
CISCO SYSTEMS INCORPORATED COMMON STOCK 17275R102 9346 87248 SH OTHER 87248 0 0
CITIGROUP INC COMMON STOCK 172967101 16853 302641 SH DEFINED 299751 0 2890
CITIGROUP INC COMMON STOCK 172967101 4126 74092 SH OTHER 69742 0 4350
CITIZENS UTILITIES CO - CLASS COMMON STOCK 177342201 1630 114909 SH DEFINED 1658 0 113251
CLOROX COMPANY COMMON STOCK 189054109 40 800 SH DEFINED 800 0 0
CNBT BANKSHARES INC COMMON STOCK 125972109 97 9000 SH OTHER 9000 0 0
COASTAL CORPORATION COMMON STOCK 190441105 7742 218471 SH DEFINED 217271 0 1200
COASTAL CORPORATION COMMON STOCK 190441105 1302 36740 SH OTHER 36740 0 0
COCA-COLA COMPANY COMMON STOCK 191216100 3109 53366 SH DEFINED 52366 0 1000
COCA-COLA COMPANY COMMON STOCK 191216100 1041 17870 SH OTHER 14170 0 3700
COLGATE PALMOLIVE COMPANY COMMON STOCK 194162103 448 6890 SH DEFINED 6890 0 0
COLGATE PALMOLIVE COMPANY COMMON STOCK 194162103 572 8800 SH OTHER 8800 0 0
COLONIAL BANCGROUP, INC. COMMON STOCK 195493309 53 5064 SH OTHER 5064 0 0
COLUMBIA ENERGY GROUP COMMON STOCK 197648108 5 86 SH DEFINED 86 0 0
COLUMBIA HCA HEALTHCARE CORP COMMON STOCK 197677107 8 265 SH DEFINED 265 0 0
COMMERCE ONE INC COMMON STOCK 200693109 103 525 SH DEFINED 525 0 0
COMPAQ COMPUTER CORPORATION COMMON STOCK 204493100 1213 44825 SH DEFINED 38795 0 6030
COMPAQ COMPUTER CORPORATION COMMON STOCK 204493100 1257 46445 SH OTHER 35695 0 10750
COMPASS BANCSHARES INC COMMON STOCK 20449H109 37559 1683305 SH DEFINED 1326926 0 356379
COMPASS BANCSHARES INC COMMON STOCK 20449H109 1310 58711 SH OTHER 17414 0 41297
COMVERSE TECHNOLOGY INC COMMON STOCK 205862402 10042 69378 SH DEFINED 69378 0 0
CONAGRA INC COMMON STOCK 205887102 132 5800 SH DEFINED 5800 0 0
</TABLE>
<PAGE> 8
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
CONEXANT SYSTEMS INC COMMON STOCK 207142100 18 268 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 104 3022 SH DEFINED 3022 0 0
CONSOLIDATED EDISON, INC COMMON STOCK 209115104 23 656 SH OTHER 656 0 0
CONSOLIDATED NATURAL GAS COMPA COMMON STOCK 209615103 65 1008 SH DEFINED 1008 0 0
CONSTELLATION ENERGY GROUP COMMON STOCK 210371100 41 1400 SH DEFINED 1400 0 0
CONVERSE INC COMMON STOCK 212540108 0 11 SH DEFINED 11 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 192 2105 SH DEFINED 1305 0 800
CREDENCE SYSTEMS CORP COMMON STOCK 225302108 128 1479 SH DEFINED 1479 0 0
CRESCENT REAL ESTATE EQUITIES COMMON STOCK 225756105 1199 65255 SH DEFINED 64275 0 980
CRESCENT REAL ESTATE EQUITIES COMMON STOCK 225756105 26 1440 SH OTHER 1325 0 115
CSX CORPORATION COMMON STOCK 126408103 56 1800 SH DEFINED 1800 0 0
CVS CORPORATION COMMON STOCK 126650100 112 2800 SH DEFINED 600 0 2200
CYBEX COMPUTER PRODUCTS CORP COMMON STOCK 232522102 73 1800 SH DEFINED 1800 0 0
CYTEC INDUSTRIES INC COMMON STOCK 232820100 2 86 SH DEFINED 86 0 0
DANA CORPORATION COMMON STOCK 235811106 254 8500 SH DEFINED 8500 0 0
DAYTON HUDSON CORPORATION COMMON STOCK 239753106 13640 185742 SH DEFINED 183382 0 2360
DAYTON HUDSON CORPORATION COMMON STOCK 239753106 4473 60910 SH OTHER 60910 0 0
DELL COMPUTER CORPORATION COMMON STOCK 247025109 272 5330 SH DEFINED 5330 0 0
DELL COMPUTER CORPORATION COMMON STOCK 247025109 19 380 SH OTHER 380 0 0
DELPHI AUTOMOTIVE SYSTEMS CORP COMMON STOCK 247126105 254 16134 SH DEFINED 16134 0 0
DELPHI AUTOMOTIVE SYSTEMS CORP COMMON STOCK 247126105 57 3648 SH OTHER 3648 0 0
DENALI INC COMMON STOCK 248221103 2 500 SH OTHER 500 0 0
DEVON ENERGY CORP COMMON STOCK 25179M103 1 42 SH OTHER 42 0 0
DII GROUP INC COMMON STOCK 232949107 8 116 SH DEFINED 116 0 0
DOMINION RESOURCES INC COMMON STOCK 257470104 39 1000 SH DEFINED 400 0 600
DOW CHEMICAL COMPANY COMMON STOCK 260543103 1416 10596 SH DEFINED 10446 0 150
DOW CHEMICAL COMPANY COMMON STOCK 260543103 484 3623 SH OTHER 3598 0 25
</TABLE>
<PAGE> 9
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
DQE INC COMMON STOCK 23329J104 2 45 SH DEFINED 45 0 0
DTE ENERGY COMPANY COMMON STOCK 233331107 19 600 SH DEFINED 600 0 0
DUKE ENERGY CORPORATION COMMON STOCK 264399106 397 7926 SH DEFINED 7926 0 0
DUKE ENERGY CORPORATION COMMON STOCK 264399106 33 662 SH OTHER 662 0 0
DUN & BRADSTREET CORP COMMON STOCK 26483B106 127 4300 SH OTHER 4300 0 0
DURA AUTOMOTIVE SYSTEMS INC COMMON STOCK 265903104 24 1360 SH OTHER 1360 0 0
E.I.DU PONT DE NEMOURS & COMPA COMMON STOCK 263534109 7633 115864 SH DEFINED 115164 0 700
E.I.DU PONT DE NEMOURS & COMPA COMMON STOCK 263534109 3063 46504 SH OTHER 45104 0 1400
EASTMAN CHEMICAL COMPANY COMMON STOCK 277432100 31 650 SH OTHER 650 0 0
EASTMAN KODAK COMPANY COMMON STOCK 277461109 169 2547 SH DEFINED 2547 0 0
EASTMAN KODAK COMPANY COMMON STOCK 277461109 183 2761 SH OTHER 2761 0 0
EATON CORPORATION COMMON STOCK 278058102 109 1500 SH DEFINED 1500 0 0
ECHELON INTERNATIONAL CORPORAT COMMON STOCK 278747100 1 40 SH DEFINED 40 0 0
ECHOSTAR COMMUNICATIONS CORP COMMON STOCK 278762109 15 150 SH DEFINED 150 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 46 1760 SH DEFINED 1000 0 760
EDISON INTERNATIONAL COMMON STOCK 281020107 10 400 SH OTHER 400 0 0
EL PASO ENERGY CORPORATION COMMON STOCK 283905107 11 286 SH DEFINED 286 0 0
EL PASO ENERGY CORPORATION COMMON STOCK 283905107 51 1318 SH OTHER 50 0 1268
ELECTRONIC DATA SYSTEMS CORPOR COMMON STOCK 285661104 378 5652 SH DEFINED 5652 0 0
ELECTRONIC DATA SYSTEMS CORPOR COMMON STOCK 285661104 169 2525 SH OTHER 125 0 2400
ELI LILLY & COMPANY COMMON STOCK 532457108 407 6116 SH DEFINED 6116 0 0
ELI LILLY & COMPANY COMMON STOCK 532457108 466 7000 SH OTHER 7000 0 0
EMC CORPORATION COMMON STOCK 268648102 18709 171247 SH DEFINED 169677 0 1570
EMC CORPORATION COMMON STOCK 268648102 4362 39925 SH OTHER 39925 0 0
EMERSON ELECTRIC COMPANY COMMON STOCK 291011104 74 1286 SH DEFINED 1286 0 0
EMERSON ELECTRIC COMPANY COMMON STOCK 291011104 230 4000 SH OTHER 4000 0 0
ENERGEN CORPORATION COMMON STOCK 29265N108 11 600 SH DEFINED 600 0 0
ENERGEN CORPORATION COMMON STOCK 29265N108 4 200 SH OTHER 200 0 0
</TABLE>
<PAGE> 10
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
ENERGY EAST CORP. COMMON STOCK 29266M109 77 3700 SH OTHER 3700 0 0
ENERGYSOUTH INC COMMON STOCK 292970100 14 690 SH DEFINED 690 0 0
ENGLEHARD CORPORATION COMMON STOCK 292845104 11 607 SH DEFINED 607 0 0
ENRON CORPORATION COMMON STOCK 293561106 12077 272167 SH DEFINED 270472 0 1695
ENRON CORPORATION COMMON STOCK 293561106 2008 45258 SH OTHER 45258 0 0
ENSCO INTERNATIONAL INC COMMON STOCK 26874Q100 1 50 SH OTHER 50 0 0
ENTERGY CORPORATION COMMON STOCK 29364G103 57 2230 SH DEFINED 2230 0 0
ENTERGY CORPORATION COMMON STOCK 29364G103 7 260 SH OTHER 260 0 0
EOG RESOURCES INC COMMON STOCK 26875P101 5 300 SH DEFINED 300 0 0
EQUITABLE RESOURCES INC COMMON STOCK 294549100 338 10125 SH OTHER 10125 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 26907 333989 SH DEFINED 332031 0 1958
EXXON MOBIL CORP COMMON STOCK 30231G102 9340 115934 SH OTHER 115868 0 66
FANNIE MAE COMMON STOCK 313586109 502 8040 SH DEFINED 8040 0 0
FANNIE MAE COMMON STOCK 313586109 218 3495 SH OTHER 795 0 2700
FIFTH THIRD BANCORP COMMON STOCK 316773100 74 1012 SH DEFINED 1012 0 0
FIRST DATA CORPORATION COMMON STOCK 319963104 9 178 SH DEFINED 178 0 0
FIRST DATA CORPORATION COMMON STOCK 319963104 138 2800 SH OTHER 0 0 2800
FIRST UNION CORPORATION COMMON STOCK 337358105 309 9372 SH DEFINED 1000 0 8372
FIRST UNION CORPORATION COMMON STOCK 337358105 339 10300 SH OTHER 10300 0 0
FIRSTCITY FINANCIAL CORPORATIO COMMON STOCK 33761X107 3 1202 SH DEFINED 1202 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 802 35342 SH DEFINED 34502 0 840
FIRSTENERGY CORP COMMON STOCK 337932107 24 1050 SH OTHER 900 0 150
FIRSTFED AMERICA BANCORP INC COMMON STOCK 337929103 26 2250 SH DEFINED 2250 0 0
FLEETBOSTON FINANCIAL CORP COMMON STOCK 339030108 40 1140 SH DEFINED 1140 0 0
FLORIDA PROGRESS CORP COMMON STOCK 341109106 63 1500 SH DEFINED 1500 0 0
FLORSHEIM GROUP INC COMMON STOCK 343302105 0 5 SH DEFINED 5 0 0
FOOTSTAR INC COMMON STOCK 344912100 3 86 SH DEFINED 86 0 0
FORD MOTOR COMPANY COMMON STOCK 345370100 12814 240364 SH DEFINED 239214 0 1150
</TABLE>
<PAGE> 11
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
FORD MOTOR COMPANY COMMON STOCK 345370100 1676 31440 SH OTHER 31440 0 0
FORTUNE BRANDS INC COMMON STOCK 349631101 58 1760 SH DEFINED 1760 0 0
FORTUNE BRANDS INC COMMON STOCK 349631101 60 1800 SH OTHER 1800 0 0
FREDDIE MAC COMMON STOCK 313400301 101 2137 SH DEFINED 1637 0 500
FREDDIE MAC COMMON STOCK 313400301 287 6100 SH OTHER 0 0 6100
FREEPORT-MCMORAN COPPER & GOLD COMMON STOCK 35671D105 2 88 SH DEFINED 88 0 0
FREEPORT-MCMORAN COPPER & GOLD COMMON STOCK 35671D857 27 1261 SH DEFINED 1261 0 0
GANNETT COMPANY INC COMMON STOCK 364730101 310 3800 SH DEFINED 3800 0 0
GAP INC COMMON STOCK 364760108 88 1906 SH DEFINED 1906 0 0
GAP INC COMMON STOCK 364760108 8 175 SH OTHER 175 0 0
GARTNER GROUP INC-B COMMON STOCK 366651206 17 1223 SH OTHER 1223 0 0
GENERAL ELECTRIC COMPANY COMMON STOCK 369604103 31831 205691 SH DEFINED 203376 0 2315
GENERAL ELECTRIC COMPANY COMMON STOCK 369604103 11677 75454 SH OTHER 72574 0 2880
GENERAL MILLS INC COMMON STOCK 370334104 47 1320 SH DEFINED 1320 0 0
GENERAL MILLS INC COMMON STOCK 370334104 109 3062 SH OTHER 3062 0 0
GENERAL MOTORS CORPORATION COMMON STOCK 370442105 1722 23689 SH DEFINED 23689 0 0
GENERAL MOTORS CORPORATION COMMON STOCK 370442105 481 6624 SH OTHER 5324 0 1300
GENERAL MOTORS CORPORATION - C COMMON STOCK 370442832 100 1046 SH DEFINED 1046 0 0
GEORGIA-PACIFIC GROUP COMMON STOCK 373298108 7887 155401 SH DEFINED 154476 0 925
GEORGIA-PACIFIC GROUP COMMON STOCK 373298108 1474 29035 SH OTHER 29035 0 0
GEORGIA-PACIFIC TIMBER GROUP COMMON STOCK 373298702 13 533 SH DEFINED 533 0 0
GILLETTE COMPANY COMMON STOCK 375766102 535 12982 SH DEFINED 12982 0 0
GILLETTE COMPANY COMMON STOCK 375766102 139 3364 SH OTHER 1864 0 1500
GLOBAL INDUSTRIAL TECHNOLOGIES COMMON STOCK 379335102 1 80 SH OTHER 80 0 0
GOLD FIELDS LIMITED COMMON STOCK 38059T106 3 600 SH OTHER 600 0 0
GOODYEAR TIRE & RUBBER COMPANY COMMON STOCK 382550101 28 985 SH DEFINED 985 0 0
GOODYEAR TIRE & RUBBER COMPANY COMMON STOCK 382550101 11 400 SH OTHER 400 0 0
GPU INC COMMON STOCK 36225X100 43 1460 SH DEFINED 1460 0 0
</TABLE>
<PAGE> 12
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
GPU INC COMMON STOCK 36225X100 48 1600 SH OTHER 1600 0 0
GTE CORPORATION COMMON STOCK 362320103 666 9444 SH DEFINED 9444 0 0
GTE CORPORATION COMMON STOCK 362320103 1054 14944 SH OTHER 12444 0 2500
GUIDANT CORPORATION COMMON STOCK 401698105 10 220 SH DEFINED 220 0 0
H J HEINZ COMPANY COMMON STOCK 423074103 64 1600 SH DEFINED 1600 0 0
H J HEINZ COMPANY COMMON STOCK 423074103 72 1800 SH OTHER 1800 0 0
HALLIBURTON COMPANY COMMON STOCK 406216101 13154 326814 SH DEFINED 324809 0 2005
HALLIBURTON COMPANY COMMON STOCK 406216101 2041 50720 SH OTHER 50470 0 250
HARBINGER CORPORATION COMMON STOCK 41145C103 32 1000 SH DEFINED 0 0 1000
HARBOR FLA BANCSHARES INC COMMON STOCK 411901101 6 500 SH DEFINED 0 0 500
HARRAH'S ENTERTAINMENT INC COMMON STOCK 413619107 59 2250 SH DEFINED 2250 0 0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK 416515104 13 265 SH DEFINED 265 0 0
HASBRO INC COMMON STOCK 418056107 16 850 SH DEFINED 850 0 0
HCC INSURANCE HOLDINGS INC COMMON STOCK 404132102 79 6000 SH DEFINED 6000 0 0
HEALTHCARE REALTY TRUST INC - COMMON STOCK 421946104 13 851 SH DEFINED 851 0 0
HEALTHSOUTH CORPORATION COMMON STOCK 421924101 43 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 295 2590 SH DEFINED 2590 0 0
HEWLETT PACKARD COMPANY COMMON STOCK 428236103 557 4900 SH OTHER 3100 0 1800
HOME DEPOT INC COMMON STOCK 437076102 1453 21128 SH DEFINED 18878 0 2250
HOME DEPOT INC COMMON STOCK 437076102 335 4869 SH OTHER 825 0 4044
HOME-STAKE OIL & GAS COMPANY COMMON STOCK 437356108 34 4890 SH OTHER 4890 0 0
HOMESEEKERS.COM INC COMMON STOCK 437605108 66 5000 SH DEFINED 5000 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 138 2400 SH DEFINED 2400 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 306 5312 SH OTHER 3012 0 2300
HOSPITALITY PROPERTIES TRUST - COMMON STOCK 44106M102 13 700 SH DEFINED 700 0 0
HOUSEHOLD INTERNATIONAL INC COMMON STOCK 441815107 124 3319 SH DEFINED 3319 0 0
HOUSEHOLD INTERNATIONAL INC COMMON STOCK 441815107 7 183 SH OTHER 183 0 0
</TABLE>
<PAGE> 13
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
HOWELL CORPORATION COMMON STOCK 443051107 1 150 SH OTHER 150 0 0
IBP INC COMMON STOCK 449223106 57 3170 SH DEFINED 3170 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 6 90 SH DEFINED 90 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 82 1212 SH OTHER 1212 0 0
IMC GLOBAL INC. COMMON STOCK 449669100 4 269 SH DEFINED 269 0 0
IMCO RECYCLING INC COMMON STOCK 449681105 7 552 SH OTHER 552 0 0
IMS HEALTH INC - W/I COMMON STOCK 449934108 256 9400 SH OTHER 9400 0 0
INDEPENDENCE CMNTY BK CORP COMMON STOCK 453414104 34 2700 SH DEFINED 2700 0 0
INFINITY BROADCASTING CORP COMMON STOCK 45662S102 13 350 SH DEFINED 350 0 0
INTEL CORPORATION COMMON STOCK 458140100 1317 16005 SH DEFINED 16005 0 0
INTEL CORPORATION COMMON STOCK 458140100 879 10680 SH OTHER 5880 0 4800
INTERNATIONAL BUSINESS MACHINE COMMON STOCK 459200101 17719 164251 SH DEFINED 162461 0 1790
INTERNATIONAL BUSINESS MACHINE COMMON STOCK 459200101 5221 48399 SH OTHER 44599 0 3800
INTERNATIONAL PAPER COMPANY COMMON STOCK 460146103 50 878 SH DEFINED 878 0 0
INVISION TECHNOLOGIES INC COMMON STOCK 461851107 8 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 11 1250 SH DEFINED 1250 0 0
ITT INDUSTRIES INC COMMON STOCK 450911102 4 130 SH DEFINED 130 0 0
J C PENNEY INCORPORATED COMMON STOCK 708160106 56 2800 SH DEFINED 2800 0 0
J C PENNEY INCORPORATED COMMON STOCK 708160106 9 450 SH OTHER 450 0 0
J P MORGAN & COMPANY INC COMMON STOCK 616880100 11832 93442 SH DEFINED 92982 0 460
J P MORGAN & COMPANY INC COMMON STOCK 616880100 1438 11355 SH OTHER 11355 0 0
JEFFERSON-PILOT CORPPORATION COMMON STOCK 475070108 25 360 SH DEFINED 360 0 0
JMAR TECHNOLOGIES INC COMMON STOCK 466212107 212 46500 SH OTHER 46500 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1427 15303 SH DEFINED 15303 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1417 15200 SH OTHER 12900 0 2300
JUST FOR FEET INCORPORATED COMMON STOCK 48213P106 3 2290 SH OTHER 2290 0 0
KAISER VENTURES INC COMMON STOCK 483100103 0 13 SH OTHER 13 0 0
</TABLE>
<PAGE> 14
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
KANEB PIPELINE PARTNERS L.P. COMMON STOCK 484169107 321 13000 SH OTHER 13000 0 0
KANSAS CITY POWER & LIGHT COMP COMMON STOCK 485134100 66 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 3 416 SH DEFINED 416 0 0
KEYCORP COMMON STOCK 493267108 27 1200 SH DEFINED 1200 0 0
KEYCORP COMMON STOCK 493267108 14 630 SH OTHER 630 0 0
KIMBERLY-CLARK CORPORATION COMMON STOCK 494368103 250 3824 SH DEFINED 3824 0 0
KINDER MORGAN ENERGY PARTNERS COMMON STOCK 494550106 29 695 SH DEFINED 695 0 0
KINDER MORGAN ENERGY PARTNERS COMMON STOCK 494550106 497 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 1373 10170 SH DEFINED 9925 0 245
KONINKLIJKE (ROYAL) PHILIPS EL COMMON STOCK 500472204 46 340 SH OTHER 295 0 45
K2 INC COMMON STOCK 482732104 17 2280 SH OTHER 2280 0 0
LABORATORY CORP OF AMERICA HOL COMMON STOCK 50540R102 17 4500 SH DEFINED 4500 0 0
LEHMAN BROTHERS HOLDINGS, INC COMMON STOCK 524908100 119 1400 SH OTHER 0 0 1400
LERNOUT & HAUSPIE SPEECH PRODU COMMON STOCK B5628B104 254 5500 SH DEFINED 5500 0 0
LIFECELL CORPORATION COMMON STOCK 531927101 4 700 SH DEFINED 700 0 0
LIFEPOINT HOSPITALS INC COMMON STOCK 53219L109 0 13 SH DEFINED 13 0 0
LINCOLN NATIONAL CORPORATION COMMON STOCK 534187109 16 408 SH DEFINED 408 0 0
LITTON INDUSTRIES INC COMMON STOCK 538021106 54 1092 SH OTHER 1092 0 0
LOCKHEED MARTIN CORPORATION COMMON STOCK 539830109 967 44205 SH DEFINED 44060 0 145
LOCKHEED MARTIN CORPORATION COMMON STOCK 539830109 4 200 SH OTHER 200 0 0
LOEWS CORPORATION COMMON STOCK 540424108 18 300 SH DEFINED 300 0 0
LOWE'S COMPANIES INC COMMON STOCK 548661107 30 500 SH OTHER 500 0 0
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 15519 206916 SH DEFINED 202606 0 4310
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 5816 77549 SH OTHER 77549 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106 15 1177 SH DEFINED 1177 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106 86 6808 SH OTHER 6808 0 0
</TABLE>
<PAGE> 15
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
MARSH & MCLENNAN COMPANIES INC COMMON STOCK 571748102 16668 174191 SH DEFINED 172569 0 1622
MARSH & MCLENNAN COMPANIES INC COMMON STOCK 571748102 2825 29527 SH OTHER 29417 0 110
MARTIN INDUSTRIES, INC COMMON STOCK 57326K102 214 126525 SH OTHER 126525 0 0
MAYTAG CORPORATION COMMON STOCK 578592107 173 3605 SH DEFINED 3605 0 0
MAYTAG CORPORATION COMMON STOCK 578592107 3 60 SH OTHER 60 0 0
MBIA INCORPORATED COMMON STOCK 55262C100 55 1050 SH DEFINED 1050 0 0
MBIA INCORPORATED COMMON STOCK 55262C100 718 13600 SH OTHER 13600 0 0
MBNA CORPORATION COMMON STOCK 55262L100 61 2250 SH OTHER 2250 0 0
MCCORMICK & CO-NON VOTING SHAR COMMON STOCK 579780206 25 830 SH DEFINED 830 0 0
MCDONALD'S CORPORATION COMMON STOCK 580135101 440 10908 SH DEFINED 10908 0 0
MCDONALD'S CORPORATION COMMON STOCK 580135101 198 4920 SH OTHER 520 0 4400
MCGRAW-HILL COMPANIES INC COMMON STOCK 580645109 641 10400 SH DEFINED 10400 0 0
MCGRAW-HILL COMPANIES INC COMMON STOCK 580645109 62 1000 SH OTHER 1000 0 0
MCI WORLDCOM INC COMMON STOCK 55268B106 16311 307386 SH DEFINED 305293 0 2093
MCI WORLDCOM INC COMMON STOCK 55268B106 3293 62055 SH OTHER 58155 0 3900
MCMORAN EXPLORATION COMPANY COMMON STOCK 582411104 2 74 SH DEFINED 74 0 0
MCN ENERGY GROUP, INC. COMMON STOCK 55267J100 2 100 SH DEFINED 100 0 0
MEDIAONE GROUP, INC COMMON STOCK 58440J104 315 4099 SH DEFINED 4099 0 0
MEDIAONE GROUP, INC COMMON STOCK 58440J104 57 739 SH OTHER 739 0 0
MEDTRONIC INCORPORATED COMMON STOCK 585055106 1243 34108 SH DEFINED 32108 0 2000
MELLON FINANCIAL CORPORATION COMMON STOCK 58551A108 11616 341013 SH DEFINED 338598 0 2415
MELLON FINANCIAL CORPORATION COMMON STOCK 58551A108 2096 61530 SH OTHER 61530 0 0
MERCK & COMPANY INC COMMON STOCK 589331107 13068 194506 SH DEFINED 192106 0 2400
MERCK & COMPANY INC COMMON STOCK 589331107 3687 54878 SH OTHER 51978 0 2900
MERRILL LYNCH & CO INC COMMON STOCK 590188108 181 2175 SH DEFINED 2175 0 0
MERRILL LYNCH & CO INC COMMON STOCK 590188108 217 2600 SH OTHER 600 0 2000
MICROSOFT CORPORATION COMMON STOCK 594918104 5234 44833 SH DEFINED 44533 0 300
MICROSOFT CORPORATION COMMON STOCK 594918104 540 4625 SH OTHER 2325 0 2300
</TABLE>
<PAGE> 16
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
MINNESOTA MINING & MANUFACTURI COMMON STOCK 604059105 396 4050 SH DEFINED 4050 0 0
MOLEX INCORPORATED CLASS A COMMON STOCK 608554200 212 4686 SH DEFINED 4686 0 0
MONARCH DENTAL CORPORATION COMMON STOCK 609044102 3 1540 SH DEFINED 1540 0 0
MONSANTO COMPANY COMMON STOCK 611662107 827 23330 SH DEFINED 23330 0 0
MORGAN STANLEY DEAN WITTER & C COMMON STOCK 617446448 131 920 SH DEFINED 920 0 0
MORGAN STANLEY DEAN WITTER & C COMMON STOCK 617446448 45 312 SH OTHER 312 0 0
MOTOROLA INC COMMON STOCK 620076109 479 3250 SH DEFINED 2400 0 850
MOTOROLA INC COMMON STOCK 620076109 1075 7300 SH OTHER 4700 0 2600
MYLAN LABORATORIES INCORPORATE COMMON STOCK 628530107 8 300 SH DEFINED 300 0 0
NABORS INDUSTRIES INC COMMON STOCK 629568106 0 14 SH OTHER 14 0 0
NATIONAL CITY CORPORATION COMMON STOCK 635405103 219 9250 SH DEFINED 9250 0 0
NATIONAL SERVICE INDUSTRIES IN COMMON STOCK 637657107 59 2000 SH DEFINED 0 0 2000
NCR CORPORATION COMMON STOCK 62886E108 13 340 SH DEFINED 340 0 0
NCR CORPORATION COMMON STOCK 62886E108 3 75 SH OTHER 75 0 0
NEON SYSTEMS INC COMMON STOCK 640509105 39 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 42 2340 SH DEFINED 2340 0 0
NORFOLK SOUTHERN CORPORATION COMMON STOCK 655844108 144 7026 SH DEFINED 7026 0 0
NORFOLK SOUTHERN CORPORATION COMMON STOCK 655844108 371 18100 SH OTHER 18100 0 0
NORTEL NETWORKS CORP COMMON STOCK 656569100 19176 189864 SH DEFINED 186764 0 3100
NORTEL NETWORKS CORP COMMON STOCK 656569100 4533 44880 SH OTHER 44880 0 0
NORTHERN BORDER PARTNERS L P COMMON STOCK 664785102 299 13000 SH OTHER 13000 0 0
NORTHERN STATES POWER COMPANY COMMON STOCK 665772109 32 1650 SH OTHER 1650 0 0
NORTHROP GRUMMAN CORPORATION COMMON STOCK 666807102 114 2100 SH OTHER 0 0 2100
NOVELLUS SYS INC COMMON STOCK 670008101 585 4775 SH DEFINED 4645 0 130
NOVELLUS SYS INC COMMON STOCK 670008101 22 180 SH OTHER 155 0 25
NSTAR COMMON STOCK 67019E107 27 677 SH DEFINED 677 0 0
</TABLE>
<PAGE> 17
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
OCCIDENTAL PETROLEUM CORPORATI COMMON STOCK 674599105 102 4722 SH DEFINED 4722 0 0
OCCIDENTAL PETROLEUM CORPORATI COMMON STOCK 674599105 29 1350 SH OTHER 1100 0 250
OCEAN ENERGY INC COMMON STOCK 67481E106 10 1300 SH DEFINED 1300 0 0
OCTEL CORPORATION COMMON STOCK 675727101 2 171 SH DEFINED 171 0 0
OFFICEMAX INC COMMON STOCK 67622M108 5 1000 SH DEFINED 1000 0 0
OLD REPUBLIC INTERNATIONAL COR COMMON STOCK 680223104 58 4248 SH OTHER 4248 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 13449 134490 SH DEFINED 132935 0 1555
OMNICOM GROUP INC COMMON STOCK 681919106 3120 31195 SH OTHER 31195 0 0
ONEOK INC COMMON STOCK 682680103 15 600 SH DEFINED 600 0 0
ONTRO INC COMMON STOCK 683380109 34 15000 SH DEFINED 15000 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 1365 12180 SH DEFINED 11980 0 200
ORACLE CORPORATION COMMON STOCK 68389X105 508 4530 SH OTHER 285 0 4245
PACTIV CORP COMMON STOCK 695257105 26 2403 SH DEFINED 2403 0 0
PACTIV CORP COMMON STOCK 695257105 6 569 SH OTHER 569 0 0
PAPA JOHN'S INTERNATIONAL INC COMMON STOCK 698813102 39 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 35 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 124 3512 SH DEFINED 3512 0 0
PEPSICO INC COMMON STOCK 713448108 388 11000 SH OTHER 2200 0 8800
PFIZER INCORPORATED COMMON STOCK 717081103 16114 496774 SH DEFINED 493554 0 3220
PFIZER INCORPORATED COMMON STOCK 717081103 3619 111570 SH OTHER 107870 0 3700
PG&E CORPORATION COMMON STOCK 69331C108 36 1750 SH DEFINED 1750 0 0
PHARMACIA & UPJOHN INC COMMON STOCK 716941109 224 4985 SH DEFINED 4985 0 0
PHARMACIA & UPJOHN INC COMMON STOCK 716941109 153 3400 SH OTHER 0 0 3400
PHILIP MORRIS COMPANIES INC COMMON STOCK 718154107 424 18455 SH DEFINED 18455 0 0
PHILIP MORRIS COMPANIES INC COMMON STOCK 718154107 69 2988 SH OTHER 2988 0 0
PHILLIPS PETROLEUM COMPANY COMMON STOCK 718507106 231 4920 SH DEFINED 4920 0 0
</TABLE>
<PAGE> 18
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
PIEDMONT NATURAL GAS INC COMMON STOCK 720186105 25 820 SH DEFINED 820 0 0
PITNEY BOWES INC COMMON STOCK 724479100 2 35 SH DEFINED 35 0 0
PLUM CREEK TIMBER COMPANY INC COMMON STOCK 729251108 38 1500 SH OTHER 1500 0 0
PNC BANK CORP COMMON STOCK 693475105 1196 26877 SH DEFINED 26342 0 535
PNC BANK CORP COMMON STOCK 693475105 42 950 SH OTHER 800 0 150
POGO PRODUCING COMPANY COMMON STOCK 730448107 3 150 SH DEFINED 150 0 0
POPE & TALBOT INC COMMON STOCK 732827100 8 530 SH OTHER 530 0 0
POTOMAC ELECTRIC POWER COMPANY COMMON STOCK 737679100 3 148 SH DEFINED 148 0 0
POTOMAC ELECTRIC POWER COMPANY COMMON STOCK 737679100 9 400 SH OTHER 400 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 63 1000 SH DEFINED 1000 0 0
PPG INDUSTRIES INC COMMON STOCK 693506107 438 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 4 200 SH DEFINED 200 0 0
PROCTER & GAMBLE COMPANY COMMON STOCK 742718109 21249 193945 SH DEFINED 192235 0 1710
PROCTER & GAMBLE COMPANY COMMON STOCK 742718109 4447 40591 SH OTHER 37826 0 2765
PROTECTIVE LIFE CORPORATION COMMON STOCK 743674103 13 400 SH DEFINED 400 0 0
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK 744573106 1 31 SH DEFINED 31 0 0
QWEST COMMUNICATIONS INTL COMMON STOCK 749121109 16 375 SH DEFINED 375 0 0
R & B FALCON CORP COMMON STOCK 74912E101 2 188 SH OTHER 188 0 0
RALCORP HLDGS INC NEW COMMON STOCK 751028101 187 9396 SH OTHER 9396 0 0
RALSTON-RALSTON PURINA GROUP COMMON STOCK 751277302 2451 87945 SH OTHER 87945 0 0
RAYTHEON COMPANY - CLASS A COMMON STOCK 755111309 41 1659 SH DEFINED 1659 0 0
RAYTHEON COMPANY - CLASS A COMMON STOCK 755111309 2 76 SH OTHER 76 0 0
RAYTHEON COMPANY - CLASS B COMMON STOCK 755111408 39 1470 SH DEFINED 1470 0 0
RAYTHEON COMPANY - CLASS B COMMON STOCK 755111408 16 600 SH OTHER 600 0 0
REALTY INCOME CORPORATION - RE COMMON STOCK 756109104 45 2187 SH DEFINED 2187 0 0
REGIONS FINANCIAL CORPORATION COMMON STOCK 758940100 166 6604 SH DEFINED 4404 0 2200
</TABLE>
<PAGE> 19
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
RELIANT ENERGY INC COMMON STOCK 75952J108 221 9655 SH DEFINED 9655 0 0
RELIANT ENERGY INC COMMON STOCK 75952J108 142 6203 SH OTHER 6203 0 0
RELIASTAR FINANCIAL CORPORATIO COMMON STOCK 75952U103 11 268 SH DEFINED 268 0 0
REYNOLDS METALS COMPANY COMMON STOCK 761763101 20 258 SH DEFINED 258 0 0
ROCKWELL INTERNATIONAL CORPORA COMMON STOCK 773903109 13 268 SH DEFINED 268 0 0
ROYAL DUTCH PETROLEUM CO - NY COMMON STOCK 780257804 2382 39335 SH DEFINED 39335 0 0
ROYAL DUTCH PETROLEUM CO - NY COMMON STOCK 780257804 83 1363 SH OTHER 1363 0 0
SAFECO CORPORATION COMMON STOCK 786429100 17 690 SH DEFINED 690 0 0
SAFEWAY INC COMMON STOCK 786514208 20 550 SH DEFINED 550 0 0
SARA LEE CORPORATION COMMON STOCK 803111103 83 3750 SH DEFINED 3750 0 0
SARA LEE CORPORATION COMMON STOCK 803111103 194 8800 SH OTHER 8800 0 0
SAUL CENTERS INC - REIT COMMON STOCK 804395101 39 2800 SH DEFINED 2800 0 0
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 11766 241352 SH DEFINED 237629 0 3723
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 2867 58813 SH OTHER 58813 0 0
SCHERING-PLOUGH CORPORATION COMMON STOCK 806605101 287 6770 SH DEFINED 6770 0 0
SCHERING-PLOUGH CORPORATION COMMON STOCK 806605101 1356 32000 SH OTHER 32000 0 0
SCHLUMBERGER LIMITED COMMON STOCK 806857108 9760 173903 SH DEFINED 172818 0 1085
SCHLUMBERGER LIMITED COMMON STOCK 806857108 1927 34340 SH OTHER 34340 0 0
SCI SYSTEMS INC COMMON STOCK 783890106 37 450 SH DEFINED 450 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 25 1449 SH DEFINED 1449 0 0
SHERWIN WILLIAMS COMPANY COMMON STOCK 824348106 8 400 SH DEFINED 400 0 0
SLM HOLDING CORPORATION COMMON STOCK 78442A109 47 1110 SH DEFINED 1110 0 0
SOLECTRON CORPORATION COMMON STOCK 834182107 14166 148918 SH DEFINED 147868 0 1050
SOLECTRON CORPORATION COMMON STOCK 834182107 2547 26780 SH OTHER 26780 0 0
SOLUTIA INC COMMON STOCK 834376105 48 3095 SH DEFINED 3095 0 0
SONIC CORPORATION COMMON STOCK 835451105 71 2500 SH DEFINED 2500 0 0
</TABLE>
<PAGE> 20
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
SOUTHERN COMPANY COMMON STOCK 842587107 1308 55660 SH DEFINED 54685 0 975
SOUTHERN COMPANY COMMON STOCK 842587107 114 4855 SH OTHER 3645 0 1210
SOUTHTRUST CORPORATION COMMON STOCK 844730101 13333 352596 SH DEFINED 18132 0 334464
SOUTHTRUST CORPORATION COMMON STOCK 844730101 1884 49838 SH OTHER 49838 0 0
SOUTHWEST AIRLINES COMPANY COMMON STOCK 844741108 9230 572405 SH DEFINED 570005 0 2400
SOUTHWEST AIRLINES COMPANY COMMON STOCK 844741108 1251 77552 SH OTHER 77552 0 0
SPRINT CORP (PCS GROUP) COMMON STOCK 852061506 526 5132 SH DEFINED 5027 0 105
SPRINT CORP (PCS GROUP) COMMON STOCK 852061506 79 767 SH OTHER 747 0 20
SPRINT CORPORATION COMMON STOCK 852061100 172 2550 SH DEFINED 2550 0 0
SPRINT CORPORATION COMMON STOCK 852061100 179 2660 SH OTHER 2660 0 0
SPX CORPORATION COMMON STOCK 784635104 2 26 SH DEFINED 26 0 0
ST JOE COMPANY COMMON STOCK 790148100 2 100 SH DEFINED 100 0 0
ST PAUL COMPANIES INC COMMON STOCK 792860108 19 564 SH OTHER 564 0 0
STAPLES INC. COMMON STOCK 855030102 6 300 SH DEFINED 300 0 0
STARBUCKS CORP COMMON STOCK 855244109 10 430 SH DEFINED 430 0 0
STARWOOD HOTELS & RESORTS WORL COMMON STOCK 85590A203 5 204 SH DEFINED 204 0 0
STATE STREET CORPORATION COMMON STOCK 857477103 146 2000 SH OTHER 0 0 2000
STEWART & STEVENSON SERVICES I COMMON STOCK 860342104 39 3280 SH OTHER 3280 0 0
STORAGE COMPUTER CORP COMMON STOCK 86211A101 54 10800 SH OTHER 10800 0 0
STRATUS PROPERTIES, INC COMMON STOCK 863167102 1 179 SH DEFINED 179 0 0
SUN MICROSYSTEMS INC COMMON STOCK 866810104 18923 244370 SH DEFINED 242880 0 1490
SUN MICROSYSTEMS INC COMMON STOCK 866810104 650 8395 SH OTHER 8245 0 150
SUNTRUST BANKS INC COMMON STOCK 867914103 55 800 SH DEFINED 0 0 800
SUNTRUST BANKS INC COMMON STOCK 867914103 124 1800 SH OTHER 1800 0 0
SUPERVALU INC COMMON STOCK 868536103 12 600 SH DEFINED 600 0 0
SUPERVALU INC COMMON STOCK 868536103 140 7000 SH OTHER 7000 0 0
SYNOVUS FINANCIAL CORPORATION COMMON STOCK 87161C105 149 7500 SH DEFINED 0 0 7500
SYNOVUS FINANCIAL CORPORATION COMMON STOCK 87161C105 117 5911 SH OTHER 5911 0 0
</TABLE>
<PAGE> 21
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
SYSCO CORPORATION COMMON STOCK 871829107 1170 29570 SH DEFINED 29195 0 375
SYSCO CORPORATION COMMON STOCK 871829107 123 3103 SH OTHER 3003 0 100
TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 28 3017 SH DEFINED 3017 0 0
TELLABS INC COMMON STOCK 879664100 193 3000 SH DEFINED 3000 0 0
TEMPLE-INLAND INC COMMON STOCK 879868107 11 170 SH OTHER 170 0 0
TENNANT COMPANY COMMON STOCK 880345103 65 1976 SH DEFINED 1976 0 0
TENNECO AUTOMOTIVE INC COMMON STOCK 880349105 3 280 SH DEFINED 280 0 0
TENNECO AUTOMOTIVE INC COMMON STOCK 880349105 1 112 SH OTHER 112 0 0
TEXACO INC COMMON STOCK 881694103 159 2924 SH DEFINED 2924 0 0
TEXACO INC COMMON STOCK 881694103 200 3684 SH OTHER 3684 0 0
TEXAS INDUSTRIES INC COMMON STOCK 882491103 40 950 SH DEFINED 950 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 1428 14775 SH DEFINED 14175 0 600
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 93 960 SH OTHER 830 0 130
TEXAS PACIFIC LAND TRUST COMMON STOCK 882610108 12 325 SH DEFINED 325 0 0
TEXAS UTILITIES COMPANY COMMON STOCK 882848104 72 2015 SH DEFINED 2015 0 0
TEXAS UTILITIES COMPANY COMMON STOCK 882848104 128 3600 SH OTHER 3600 0 0
TEXTRON INCORPORATED COMMON STOCK 883203101 44 575 SH DEFINED 575 0 0
THCG INC COMMON STOCK 87242T101 647 22618 SH DEFINED 22618 0 0
THE B F GOODRICH COMPANY COMMON STOCK 382388106 66 2400 SH DEFINED 2400 0 0
THE BANC CORPORATION COMMON STOCK 05944B103 153 20000 SH DEFINED 20000 0 0
THE EARTHGRAINS COMPANY COMMON STOCK 270319106 185 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 476 16263 SH DEFINED 16263 0 0
THE WALT DISNEY COMPANY COMMON STOCK 254687106 280 9589 SH OTHER 2089 0 7500
TIME WARNER INC COMMON STOCK 887315109 14098 194959 SH DEFINED 193909 0 1050
TIME WARNER INC COMMON STOCK 887315109 2378 32890 SH OTHER 32890 0 0
TIMKEN COMPANY COMMON STOCK 887389104 2 80 SH DEFINED 80 0 0
TOO INC COMMON STOCK 890333107 0 9 SH DEFINED 9 0 0
</TABLE>
<PAGE> 22
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
TORCHMARK CORPORATION COMMON STOCK 891027104 17438 600017 SH DEFINED 600017 0 0
TORO COMPANY COMMON STOCK 891092108 31 820 SH OTHER 820 0 0
TOYS "R" US INC COMMON STOCK 892335100 27 1890 SH DEFINED 1890 0 0
TRIAD HOSPITALS INC COMMON STOCK 89579K109 0 13 SH DEFINED 13 0 0
TRIBUNE COMPANY COMMON STOCK 896047107 273 4950 SH DEFINED 4950 0 0
TRIBUNE COMPANY COMMON STOCK 896047107 3 50 SH OTHER 50 0 0
TRICON GLOBAL RESTAURANTS INC COMMON STOCK 895953107 8 200 SH DEFINED 200 0 0
TRW INC COMMON STOCK 872649108 166 3200 SH DEFINED 3200 0 0
TRW INC COMMON STOCK 872649108 125 2400 SH OTHER 2400 0 0
TSI INCORPORATED COMMON STOCK 872876107 21 1794 SH DEFINED 1794 0 0
TUPPERWARE CORPORATION COMMON STOCK 899896104 2 112 SH DEFINED 112 0 0
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 13313 341359 SH DEFINED 339069 0 2290
TYCO INTERNATIONAL LTD COMMON STOCK 902124106 2560 65650 SH OTHER 63250 0 2400
TYLER TECHNOLOGIES INC COMMON STOCK 902252105 7 1250 SH OTHER 1250 0 0
UGI CORPORATION COMMON STOCK 902681105 12 600 SH DEFINED 600 0 0
UNICOM CORPORATION COMMON STOCK 904911104 34 1000 SH OTHER 1000 0 0
UNION CARBIDE CORPORATION COMMON STOCK 905581104 270 4045 SH DEFINED 4045 0 0
UNION PACIFIC CORPORATION COMMON STOCK 907818108 332 7600 SH DEFINED 7600 0 0
UNION PACIFIC CORPORATION COMMON STOCK 907818108 83 1889 SH OTHER 1889 0 0
UNION PACIFIC RESOURCES GROUP COMMON STOCK 907834105 77 6011 SH DEFINED 6011 0 0
UNION PACIFIC RESOURCES GROUP COMMON STOCK 907834105 20 1599 SH OTHER 1599 0 0
UNION PLANTERS CORPORATION COMMON STOCK 908068109 47 1181 SH DEFINED 1181 0 0
UNISYS CORPORATION COMMON STOCK 909214108 18 550 SH DEFINED 550 0 0
UNISYS CORPORATION COMMON STOCK 909214108 7 225 SH OTHER 225 0 0
UNITED ILLUMINATING COMPANY COMMON STOCK 910637107 77 1500 SH DEFINED 1500 0 0
UNITED TECHNOLOGIES CORPORATIO COMMON STOCK 913017109 452 6955 SH DEFINED 6955 0 0
UNITED TECHNOLOGIES CORPORATIO COMMON STOCK 913017109 1978 30430 SH OTHER 30430 0 0
UNITRIN INC COMMON STOCK 913275103 558 14820 SH DEFINED 14820 0 0
</TABLE>
<PAGE> 23
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
UNIVISION COMMUNICATIONS INC - COMMON STOCK 914906102 10720 104906 SH DEFINED 104456 0 450
UNIVISION COMMUNICATIONS INC - COMMON STOCK 914906102 858 8400 SH OTHER 8400 0 0
UNOVA INC COMMON STOCK 91529B106 14 1092 SH OTHER 1092 0 0
US WEST INC COMMON STOCK 91273H101 393 5455 SH DEFINED 5135 0 320
US WEST INC COMMON STOCK 91273H101 119 1658 SH OTHER 1658 0 0
UST INCORPORATED COMMON STOCK 902911106 257 10200 SH DEFINED 10200 0 0
VENATOR GROUP INC COMMON STOCK 922944103 21 3000 SH DEFINED 3000 0 0
VOICESTREAM WIRELESS CORP COMMON STOCK 928615103 19 135 SH DEFINED 135 0 0
WACHOVIA CORPORATION COMMON STOCK 929771103 220 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 3657 145563 SH DEFINED 145563 0 0
WADDELL & REED FINANCIAL-A COMMON STOCK 930059100 918 33839 SH DEFINED 33839 0 0
WAL MART STORES INC COMMON STOCK 931142103 20873 301953 SH DEFINED 299748 0 2205
WAL MART STORES INC COMMON STOCK 931142103 3739 54085 SH OTHER 51535 0 2550
WARNER LAMBERT COMPANY COMMON STOCK 934488107 1380 16837 SH DEFINED 16837 0 0
WARNER LAMBERT COMPANY COMMON STOCK 934488107 492 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 35 2058 SH DEFINED 2058 0 0
WASTE MANAGEMENT, INC. COMMON STOCK 94106L109 1 72 SH OTHER 72 0 0
WATER PIK TECHNOLOGIES INC COMMON STOCK 94113U100 7 775 SH DEFINED 775 0 0
WATSON PHARMACEUTICALS INC COMMON STOCK 942683103 14 400 SH DEFINED 400 0 0
WEATHERFORD INTERNATIONAL COMMON STOCK 947074100 7 179 SH OTHER 179 0 0
WEBS GERMANY INDEX SERIES COMMON STOCK 92923H608 122 4555 SH OTHER 4555 0 0
WEBS JAPAN INDEX SERIES COMMON STOCK 92923H889 239 14623 SH DEFINED 14623 0 0
WEBS JAPAN INDEX SERIES COMMON STOCK 92923H889 82 5000 SH OTHER 5000 0 0
WEBS UNITED KINGDOM INDEX SERI COMMON STOCK 92923H798 98 4590 SH OTHER 4590 0 0
WEINGARTEN REALTY INVESTORS - COMMON STOCK 948741103 47 1200 SH DEFINED 1200 0 0
WELLMAN INC COMMON STOCK 949702104 33 1790 SH OTHER 1790 0 0
</TABLE>
<PAGE> 24
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
WELLS FARGO COMPANY COMMON STOCK 949746101 24 590 SH DEFINED 590 0 0
WESTERN RES INC COMMON STOCK 959425109 2 145 SH DEFINED 145 0 0
WESTVACO CORPORATION COMMON STOCK 961548104 7 225 SH DEFINED 225 0 0
WEYERHAEUSER COMPANY COMMON STOCK 962166104 237 3295 SH DEFINED 3295 0 0
WEYERHAEUSER COMPANY COMMON STOCK 962166104 26 360 SH OTHER 360 0 0
WHIRLPOOL CORPORATION COMMON STOCK 963320106 11 167 SH DEFINED 167 0 0
WILLIAMS COMPANIES INC COMMON STOCK 969457100 121 3954 SH DEFINED 3754 0 200
WILLIAMS COMPANIES INC COMMON STOCK 969457100 56 1840 SH OTHER 1840 0 0
WINN-DIXIE STORES INC COMMON STOCK 974280109 42 1772 SH DEFINED 1772 0 0
WM. WRIGLEY JR COMPANY COMMON STOCK 982526105 207 2500 SH DEFINED 2500 0 0
XEROX CORPORATION COMMON STOCK 984121103 82 3600 SH DEFINED 3600 0 0
XEROX CORPORATION COMMON STOCK 984121103 23 1000 SH OTHER 1000 0 0
XILINX INC COMMON STOCK 983919101 40 890 SH DEFINED 890 0 0
YAHOO INC COMMON STOCK 984332106 264 610 SH DEFINED 410 0 200
7-ELEVEN INC COMMON STOCK 817826100 21 12000 SH DEFINED 6000 0 6000
AEGON N V ORD AMER REG COMMON STOCK 007924103 137 1436 SH OTHER 1436 0 0
ALCATEL ADR COMMON STOCK 013904305 65 1440 SH DEFINED 1440 0 0
ASTRAZENECA GROUP PLC - SP ADR COMMON STOCK 046353108 11 252 SH DEFINED 252 0 0
BP AMOCO PLC-SP ADR COMMON STOCK 055622104 370 6242 SH DEFINED 6242 0 0
BP AMOCO PLC-SP ADR COMMON STOCK 055622104 580 9774 SH OTHER 7674 0 2100
DAIMLER-CHRYSLER AG-ADR COMMON STOCK D1668R123 1483 19008 SH DEFINED 18538 0 470
DAIMLER-CHRYSLER AG-ADR COMMON STOCK D1668R123 117 1506 SH OTHER 1406 0 100
DEUTSCHE TELEKOM AG-SP ADR COMMON STOCK 251566105 102 1440 SH DEFINED 1440 0 0
DIAGEO PLC COMMON STOCK 25243Q205 26 807 SH DEFINED 807 0 0
EMPRESA NACIONAL-SP ADR COMMON STOCK 29244T101 21 1515 SH DEFINED 1515 0 0
ERICSSON LM TEL SPONS ADR COMMON STOCK 294821400 79 1200 SH DEFINED 1200 0 0
GALLAHER GROUP PLC UNSPON ADR COMMON STOCK 363595109 27 1760 SH DEFINED 1760 0 0
GALLAHER GROUP PLC UNSPON ADR COMMON STOCK 363595109 28 1800 SH OTHER 1800 0 0
</TABLE>
<PAGE> 25
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
GLAXO WELLCOME PLC SPONS ADR COMMON STOCK 37733W105 45 800 SH DEFINED 800 0 0
GLAXO WELLCOME PLC SPONS ADR COMMON STOCK 37733W105 17 310 SH OTHER 310 0 0
HITACHI LTD SPONS ADR COMMON STOCK 433578507 49 300 SH DEFINED 300 0 0
HSBC HOLDINGS PLC-SP ADR COMMON STOCK 404280406 64 900 SH DEFINED 900 0 0
KLM ROYAL DUTCH AIR-SP ADR COMMON STOCK 482516309 24 958 SH OTHER 958 0 0
MEDEVA PLC - SPONS ADR COMMON STOCK 58410H203 148 13750 SH OTHER 13750 0 0
NOKIA CORP - SPONS ADR "A" COMMON STOCK 654902204 1648 8625 SH DEFINED 7875 0 750
NOKIA CORP - SPONS ADR "A" COMMON STOCK 654902204 40 210 SH OTHER 180 0 30
SCOTTISHPOWER PLC-SP ADR COMMON STOCK 81013T705 120 4272 SH DEFINED 4272 0 0
SHELL TRANSPORT & TRADING-SPON COMMON STOCK 822703609 230 4700 SH OTHER 0 0 4700
TELECOM CORP OF NEW ZEALAND-SP COMMON STOCK 879278208 36 940 SH DEFINED 940 0 0
TELECOM ITALIA SPA - SPONS ADR COMMON STOCK 87927W106 84 600 SH DEFINED 600 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 43 627 SH DEFINED 627 0 0
VODAFONE AIRTOUCH PLC COMMON STOCK 92857T107 519 10480 SH DEFINED 9680 0 800
VODAFONE AIRTOUCH PLC COMMON STOCK 92857T107 178 3595 SH OTHER 3595 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 65 3000 SH DEFINED N.A. N.A. N.A.
FREEPORT-MCMORAN 7.00% CONV PR PREFERRED STOCK 35671D501 19 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.
IMC GLOBAL INC WARRANTS EXP 12 OTHER 449669118 0 99 SH DEFINED 99 0 0
ONTRO INC - WARRANTS 5 OTHER 683380117 4 15000 SH DEFINED 15000 0 0
MSDW INSURED MUNI TRUST MUTUAL OTHER 61745P866 25 1980 SH DEFINED N.A. N.A. N.A.
ACM GOVERNMENT SECURITIES FD-C OTHER 000914101 6 1000 SH OTHER 1000 0 0
ADAMS EXPRESS COMPANY-CLSD END OTHER 006212104 109 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
</TABLE>
<PAGE> 26
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
CENTRAL SECURITIES CORP OTHER 155123102 1 27 SH DEFINED 27 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 17 2000 SH DEFINED 2000 0 0
MANAGED MUNI PORTFOLIO INC/CLS OTHER 561662107 91 10000 SH DEFINED 10000 0 0
MUNIHOLDINGS INSURED FUND OTHER 625930102 20 1700 SH DEFINED 1700 0 0
NUVEEN INSD MUNI OPPTY FD-CLSD OTHER 670984103 38 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 24 3050 SH DEFINED 3050 0 0
NUVEEN MUNI VALUE FUND - CLSD OTHER 670928100 16 2000 SH OTHER 2000 0 0
NUVEEN PERF PLUSMUNI FUND CLSD OTHER 67062P108 9 800 SH OTHER 800 0 0
NUVEEN QUALITY INC MUNI FD-CLS OTHER 670977107 12 1000 SH DEFINED 1000 0 0
NUVEEN SELECT MATY MUNI FD-CLS OTHER 67061T101 42 4383 SH OTHER 4383 0 0
NUVEEN SELECT QLTY MUNI FD/CLS OTHER 670973106 7 600 SH OTHER 600 0 0
NUVEEN TEXAS QUALITY INCOME MU OTHER 670983105 24 2000 SH DEFINED 2000 0 0
SALOMON BROTHERS FUND INC - CL OTHER 795477108 92 4511 SH DEFINED 4511 0 0
STANDARD & POORS MIDCAP 400 DE OTHER 595635103 16 193 SH OTHER 193 0 0
THE MANAGED HIGH YIELD FUND OTHER 56166E101 5 500 SH DEFINED 500 0 0
TRI-CONTINENTAL CORPORATION - OTHER 895436103 117 4186 SH DEFINED 4186 0 0
ZWEIG FUND OTHER 989834106 50 5000 SH DEFINED 5000 0 0
</TABLE>
