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<PAGE> PAGE 1
SECURITIES AND EXCHANGE COMMISSION
FORM 13F-E
Report for the Calendar Year or Quarter Ended: 10/04/95
Institutional Investment Manager:
NICKIE CRANDALL
820 STATE STREET
TRUST DIVISION
SANTA BARBARA CA 93101
I REPRESENT THAT I AM AUTHORIZED TO SUBMIT THIS FORM AND THAT ALL INFORMATION
IN THIS FORM AND THE ATTACHMENTS TO IT IS TRUE, CORRECT AND COMPLETE AND I
UNDERSTAND THAT ALL REQUIRED ITEMS, STATEMENTS AND SCHEDULES ARE INTEGRAL
PARTS OF THIS FORM AND THAT THE SUBMISSION OF ANY AMENDMENT REPRESENTS THAT
ALL UNAMENDED ITEMS, STATEMENTS AND SCHEDULES REMAIN TRUE, CORRECT AND
COMPLETE AS PREVIOUSLY SUBMITTED.
I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES AND EXCHANGE ACT OF 1934.
Name, Title and Telephone Number of Person Submitting Report:
NICKIE CRANDALL ASSISTANT VICE PRESIDENT 805 564 6203
Signature, Place and Date of Signing:
/s/ NICKIE CRANDALL SANTA BARBARA CA 10/04/95
<PAGE> PAGE 2
VALUE SHARES/ SH/ PUT/ INVSTMT -----VOTING AUTHORITY-----
NAME OF ISSUER -TITLE OF CLASS- --CUSIP-- (x$1000) PRN AMT PRN CALL DSCRETN -MANAGERS- SOLE SHARED NONE
AIM EQUITY FDS CONSTELLATION COMMON 001413202 75 3194 SOLE 19090
AIM EQUITY FDS CONSTELLATION COMMON 001413202 375 15896 DEFINED 19090
AT&T CORP COMMON 001957109 2539 39750 SOLE 56295 600
AT&T CORP COMMON 001957109 1095 17145 DEFINED 56295 600
ABBOTT LABS COMMON 002824100 1200 27600 SOLE 54200
ABBOTT LABS COMMON 002824100 1157 26600 DEFINED 54200
AIM VALUE FD CL A COMMON 008879306 397 13976 SOLE 14464
AIM VALUE FD CL A COMMON 008879306 13 488 DEFINED 14464
AIRTOUCH COMMUNICATIONS INC COMMON 00949T100 349 11422 SOLE 19274
AIRTOUCH COMMUNICATIONS INC COMMON 00949T100 240 7852 DEFINED 19274
ALLIEDSIGNAL INC COMMON 019512102 103 2400 SOLE 13700
ALLIEDSIGNAL INC COMMON 019512102 487 11300 DEFINED 13700
ALLSTATE CORP COMMON 020002101 532 15205 SOLE 17096
ALLSTATE CORP COMMON 020002101 66 1891 DEFINED 17096
AMERICAN BRANDS INC COMMON 024703100 1236 29364 SOLE 31964
AMERICAN BRANDS INC COMMON 024703100 109 2600 DEFINED 31964
AMERICAN EXPRESS CO COMMON 025816109 462 10550 SOLE 13450
AMERICAN EXPRESS CO COMMON 025816109 127 2900 DEFINED 13450
AMERICAN HOME PRODUCTS CORP COMMON 026609107 3862 44914 SOLE 76076
AMERICAN HOME PRODUCTS CORP COMMON 026609107 2679 31162 DEFINED 76076
AMERICAN INTERNATIONAL GROUP I COMMON 026874107 605 7075 SOLE 7325 150
AMERICAN INTERNATIONAL GROUP I COMMON 026874107 34 400 DEFINED 7325 150
AMERICAN POWER CONVERSION CORP COMMON 029066107 178 16000 SOLE 16000
AMERITECH CORPORATION COMMON 030954101 787 15320 SOLE 22514
AMERITECH CORPORATION COMMON 030954101 369 7194 DEFINED 22514
AMP INC COMMON 031897101 279 7400 SOLE 8800
AMP INC COMMON 031897101 52 1400 DEFINED 8800
AMOCO CORP COMMON 031905102 1468 22948 SOLE 31884
AMOCO CORP COMMON 031905102 571 8936 DEFINED 31884
ANHEUSER BUSCH COS INC COMMON 035229103 594 9366 SOLE 14666
ANHEUSER BUSCH COS INC COMMON 035229103 336 5300 DEFINED 14666
APPLIED MATERIALS INC COMMON 038222105 469 4800 SOLE 4800 600
APPLIED MATERIALS INC COMMON 038222105 58 600 DEFINED 4800 600
ARCHER-DANIELS-MIDLAND CO COMMON 039483102 124 8125 SOLE 22629
ARCHER-DANIELS-MIDLAND CO COMMON 039483102 222 14504 DEFINED 22629
ARNOLD INDS INC COMMON 042595108 243 14078 DEFINED 14078
ATLANTIC RICHFIELD CO COMMON 048825103 907 8600 SOLE 14491
ATLANTIC RICHFIELD CO COMMON 048825103 621 5891 DEFINED 14491
AUTODESK INC COMMON 052769106 652 16000 SOLE 17600
AUTODESK INC COMMON 052769106 65 1600 DEFINED 17600
AUTOMATIC DATA PROCESSING COMMON 053015103 2010 29250 SOLE 39150
AUTOMATIC DATA PROCESSING COMMON 053015103 680 9900 DEFINED 39150
BANC ONE CORP COMMON 059438101 478 12750 SOLE 28206
BANC ONE CORP COMMON 059438101 579 15456 DEFINED 28206
BANKAMERICA CORP COMMON 066050105 447 7385 SOLE 18829
BANKAMERICA CORP COMMON 066050105 693 11444 DEFINED 18829
BAUSCH & LOMB INC COMMON 071707103 492 12800 SOLE 17200
BAUSCH & LOMB INC COMMON 071707103 169 4400 DEFINED 17200
BAXTER INTERNATIONAL INC COMMON 071813109 449 11000 SOLE 15173
BAXTER INTERNATIONAL INC COMMON 071813109 170 4173 DEFINED 15173
<PAGE> PAGE 3
VALUE SHARES/ SH/ PUT/ INVSTMT -----VOTING AUTHORITY-----
NAME OF ISSUER -TITLE OF CLASS- --CUSIP-- (x$1000) PRN AMT PRN CALL DSCRETN -MANAGERS- SOLE SHARED NONE
BELL ATLANTIC CORP COMMON 077853109 880 14288 SOLE 18788 300
BELL ATLANTIC CORP COMMON 077853109 295 4800 DEFINED 18788 300
BELLSOUTH CORP COMMON 079860102 1296 17573 SOLE 26519
BELLSOUTH CORP COMMON 079860102 659 8946 DEFINED 26519
BENHAM CALIF TAX-FREE SHORT-TE COMMON 081865701 418 40949 SOLE 110227
BENHAM CALIF TAX-FREE SHORT-TE COMMON 081865701 708 69278 DEFINED 110227
BETZ LABS INC COMMON 087779104 524 13000 SOLE 13900
BETZ LABS INC COMMON 087779104 36 900 DEFINED 13900
BLOCK (H R) INC COMMON 093671105 640 17300 SOLE 22000
BLOCK (H R) INC COMMON 093671105 173 4700 DEFINED 22000
BRISTOL-MYERS SQUIBB CO COMMON 110122108 2820 37548 SOLE 48414
BRISTOL-MYERS SQUIBB CO COMMON 110122108 816 10866 DEFINED 48414
BROWNING FERRIS IND INC COMMON 115885105 492 16200 SOLE 17200
BROWNING FERRIS IND INC COMMON 115885105 30 1000 DEFINED 17200
CIGNA CORPORATION CONV DEB 125509AB5 321 225000 DEFINED 225000
CPC INTL INC COMMON 126149103 959 14400 SOLE 19528
CPC INTL INC COMMON 126149103 341 5128 DEFINED 19528
CSX CORP COMMON 126408103 30 363 SOLE 7573
CSX CORP COMMON 126408103 598 7210 DEFINED 7573
CAMPBELL SOUP CO COMMON 134429109 772 15214 SOLE 15914
CAMPBELL SOUP CO COMMON 134429109 35 700 DEFINED 15914
CARNIVAL CORP COMMON 143658102 267 11400 SOLE 13400
CARNIVAL CORP COMMON 143658102 47 2000 DEFINED 13400
CASS M L PETE CORP COMMON 148127103 29 28500 DEFINED 28500
CENTRAL & SOUTH WEST CORP COMMON 152357109 747 29300 SOLE 42150
CENTRAL & SOUTH WEST CORP COMMON 152357109 327 12850 DEFINED 42150
CHANNEL TECHNOLOGIES INC COMMON 159173103 151 50588 DEFINED 49588 1000
CHEVRON CORP COMMON 166751107 2185 44725 SOLE 83089
CHEVRON CORP COMMON 166751107 1875 38364 DEFINED 83089
CIRCUIT CITY STORES INC COMMON 172737108 372 12000 SOLE 14100 400
CIRCUIT CITY STORES INC COMMON 172737108 77 2500 DEFINED 14100 400
CISCO SYS INC COMMON 17275R102 200 2950 SOLE 2950
CLOROX CO COMMON 189054109 259 3700 SOLE 4300
CLOROX CO COMMON 189054109 42 600 DEFINED 4300
COCA COLA CO COMMON 191216100 1532 21620 SOLE 36316
COCA COLA CO COMMON 191216100 1041 14696 DEFINED 36316
COLGATE PALMOLIVE CO COMMON 194162103 1545 23248 SOLE 27648
COLGATE PALMOLIVE CO COMMON 194162103 292 4400 DEFINED 27648
COLONIAL TRUST II COMMON 196093405 385 58489 SOLE 58489
COMMERCE BANCSHARES INC COMMON 200525103 230 5945 SOLE 33340
COMMERCE BANCSHARES INC COMMON 200525103 1061 27395 DEFINED 33340
COMPAQ COMPUTER CORP COMMON 204493100 394 8300 SOLE 9100
COMPAQ COMPUTER CORP COMMON 204493100 38 800 DEFINED 9100
COMPUTER ASSOCIATES INTL INC COMMON 204912109 253 6450 SOLE 6750
COMPUTER ASSOCIATES INTL INC COMMON 204912109 11 300 DEFINED 6750
COMPUTER SCIENCES CORP COMMON 205363104 546 8600 SOLE 9800
COMPUTER SCIENCES CORP COMMON 205363104 76 1200 DEFINED 9800
COOPER INDS INC COMMON 216669101 102 2978 SOLE 9478
COOPER INDS INC COMMON 216669101 224 6500 DEFINED 9478
CROWN CORK & SEAL INC COMMON 228255105 643 16500 SOLE 17800 300
<PAGE> PAGE 4
VALUE SHARES/ SH/ PUT/ INVSTMT -----VOTING AUTHORITY-----
NAME OF ISSUER -TITLE OF CLASS- --CUSIP-- (x$1000) PRN AMT PRN CALL DSCRETN -MANAGERS- SOLE SHARED NONE
CROWN CORK & SEAL INC COMMON 228255105 62 1600 DEFINED 17800 300
DARDEN RESTAURANTS INC COMMON 237194105 236 20544 SOLE 26994
DARDEN RESTAURANTS INC COMMON 237194105 74 6450 DEFINED 26994
DAYTON HUDSON CORP COMMON 239753106 461 6200 SOLE 8975
DAYTON HUDSON CORP COMMON 239753106 206 2775 DEFINED 8975
DEAN WITTER US GOVERNMENT COMMON 241906106 147 16289 DEFINED 16289
DEAN WITTER CALIF TAX-FREE INC COMMON 242407104 297 23591 SOLE 32419
DEAN WITTER CALIF TAX-FREE INC COMMON 242407104 111 8828 DEFINED 32419
DEAN WITTER DISCOVER & CO COMMON 24240V101 192 3544 SOLE 4340
DEAN WITTER DISCOVER & CO COMMON 24240V101 43 796 DEFINED 4340
DEAN WITTER SELECT EQUITY TR COMMON 24241X346 0 24019 DEFINED 24019
DECORA INDUSTRIES INC COMMON 243593100 49 48400 DEFINED 48400
DELUXE CORPORATION COMMON 248019101 765 23200 SOLE 29000
DELUXE CORPORATION COMMON 248019101 191 5800 DEFINED 29000
DIGITAL EQUIP CORP COMMON 253849103 223 5000 SOLE 5600
DIGITAL EQUIP CORP COMMON 253849103 26 600 DEFINED 5600
DISNEY WALT CO COMMON 254687106 972 17100 SOLE 23100
DISNEY WALT CO COMMON 254687106 341 6000 DEFINED 23100
DONNELLEY R R & SONS CO COMMON 257867101 686 17600 SOLE 23500
DONNELLEY R R & SONS CO COMMON 257867101 230 5900 DEFINED 23500
DOW CHEM CO COMMON 260543103 71 975 SOLE 2805
DOW CHEM CO COMMON 260543103 134 1830 DEFINED 2805
DU PONT (E I ) DE NEMOURS & CO COMMON 263534109 645 9800 SOLE 34060
DU PONT (E I ) DE NEMOURS & CO COMMON 263534109 1598 24260 DEFINED 34060
DUKE PWR CO COMMON 264399106 963 21900 SOLE 26100
DUKE PWR CO COMMON 264399106 184 4200 DEFINED 26100
DUN & BRADSTREET CORP COMMON 264830100 848 14466 SOLE 18741 200
DUN & BRADSTREET CORP COMMON 264830100 262 4475 DEFINED 18741 200
EASTMAN CHEMICAL CO COMMON 277432100 534 8373 SOLE 10238
EASTMAN CHEMICAL CO COMMON 277432100 119 1865 DEFINED 10238
EASTMAN KODAK CO COMMON 277461109 2228 36990 SOLE 46163 200
EASTMAN KODAK CO COMMON 277461109 564 9373 DEFINED 46163 200
EMERSON ELECTRIC COMPANY COMMON 291011104 947 13250 SOLE 23150
EMERSON ELECTRIC COMPANY COMMON 291011104 707 9900 DEFINED 23150
ENRON CORP COMMON 293561106 554 16000 SOLE 22700
ENRON CORP COMMON 293561106 231 6700 DEFINED 22700
EQUIFAX INC COMMON 294429105 248 6000 SOLE 6000
EXXON CORP COMMON 302290101 8791 121477 SOLE 160395 1000
EXXON CORP COMMON 302290101 2889 39918 DEFINED 160395 1000
FPL GROUP INC COMMON 302571104 243 5930 SOLE 10830
FPL GROUP INC COMMON 302571104 200 4900 DEFINED 10830
FEDERAL EXPRESS CORP COMMON 313309106 388 4700 SOLE 5400
FEDERAL EXPRESS CORP COMMON 313309106 57 700 DEFINED 5400
FEDERAL HOME LOAN MORTGAGE COR COMMON 313400301 988 14300 SOLE 14300
FEDERAL NATIONAL MORTGAGE ASSN COMMON 313586109 1527 14500 SOLE 19900 200
FEDERAL NATIONAL MORTGAGE ASSN COMMON 313586109 590 5600 DEFINED 19900 200
FEDERATED SHORT TERM MUNICIPAL COMMON 313907107 274 26650 DEFINED 26650
FEDERATED ARMS FUND #96 COMMON 314082108 1939 201005 SOLE 202543
FEDERATED ARMS FUND #96 COMMON 314082108 14 1538 DEFINED 202543
FEDERATED INCOME TRUST #36 COMMON 314199100 577 56602 SOLE 65070
<PAGE> PAGE 5
VALUE SHARES/ SH/ PUT/ INVSTMT -----VOTING AUTHORITY-----
NAME OF ISSUER -TITLE OF CLASS- --CUSIP-- (x$1000) PRN AMT PRN CALL DSCRETN -MANAGERS- SOLE SHARED NONE
FEDERATED INCOME TRUST #36 COMMON 314199100 86 8468 DEFINED 65070
FEDERATED INCOME TRUST COMMON 314199209 448 43930 SOLE 43930
FEDERATED INDEX TR COMMON 31420E205 1521 117643 SOLE 117643
FEDERATED INDEX TR COMMON 31420E304 955 69897 SOLE 69897
FEDERATED INDEX TRUST COMMON 31420E403 1603 108871 SOLE 108871
FEDERATED U S GOVT SECS FD 1-3 31428M100 688 66529 SOLE 85491
FEDERATED U S GOVT SECS FD 1-3 31428M100 196 18962 DEFINED 85491
FEDERATED U S GOVT SECS FD 1-3 31428M209 540 52261 SOLE 52261
FEDERATED U.S. GOVT SECS FUND COMMON 31428P103 44 4231 SOLE 13638
FEDERATED U.S. GOVT SECS FUND COMMON 31428P103 98 9407 DEFINED 13638
FIDELITY DISCIPLINED EQUITY FU COMMON 316066208 2420 104808 SOLE 113824 6029
FIDELITY DISCIPLINED EQUITY FU COMMON 316066208 347 15045 DEFINED 113824 6029
FIDELITY EXCHANGE FUND COMMON 316141100 408 3195 DEFINED 3195
FIDELITY EQUITY INCOME II FUND COMMON 316145101 175 8362 SOLE 9964
FIDELITY EQUITY INCOME II FUND COMMON 316145101 33 1602 DEFINED 9964
FIFTH THIRD BANCORP COMMON 316773100 228 4000 SOLE 4000
FIRST SEC CORP DEL COMMON 336294103 265 8604 SOLE 8604
FORD MOTOR COMPANY COMMON 345370100 178 5848 SOLE 10222
FORD MOTOR COMPANY COMMON 345370100 133 4374 DEFINED 10222
FRANKLIN CALIF TAX FREE COMMON 352518104 504 70451 SOLE 121308
FRANKLIN CALIF TAX FREE COMMON 352518104 364 50857 DEFINED 121308
FRANKLIN FEDERAL COMMON 353519101 128 10823 DEFINED 10823
FRONTIER CORP COMMON 35906P105 599 22400 SOLE 26800
FRONTIER CORP COMMON 35906P105 117 4400 DEFINED 26800
GTE CORP COMMON 362320103 903 23236 SOLE 52239
GTE CORP COMMON 362320103 1127 29003 DEFINED 52239
GANNETT INC COMMON 364730101 509 9500 SOLE 12800 400
GANNETT INC COMMON 364730101 198 3700 DEFINED 12800 400
GENERAL ELEC CO COMMON 369604103 6644 105256 SOLE 190241
GENERAL ELEC CO COMMON 369604103 5364 84985 DEFINED 190241
GENERAL INSTR CORP NEW COMMON 370121105 294 10500 SOLE 10500
GENERAL MILLS INC COMMON 370334104 915 16244 SOLE 22994
GENERAL MILLS INC COMMON 370334104 380 6750 DEFINED 22994
GENERAL MOTORS CORP COMMON 370442105 413 9112 SOLE 15950
GENERAL MOTORS CORP COMMON 370442105 310 6838 DEFINED 15950
GENERAL MOTORS CORP CLASS E COMMON 370442402 346 7708 SOLE 12388
GENERAL MOTORS CORP CLASS E COMMON 370442402 210 4680 DEFINED 12388
GENUINE PARTS CO COMMON 372460105 1169 29048 SOLE 36306
GENUINE PARTS CO COMMON 372460105 292 7258 DEFINED 36306
GILLETTE CO COMMON 375766102 1033 21200 SOLE 46200 600
GILLETTE CO COMMON 375766102 1248 25600 DEFINED 46200 600
GOVERNMENT SECURITIES INCOME F COMMON 383743499 23 212586 DEFINED 212586
GRAINGER W W INC COMMON 384802104 1279 21100 SOLE 30200
GRAINGER W W INC COMMON 384802104 551 9100 DEFINED 30200
GREAT WESTERN FINCL CORP COMMON 391442100 288 12002 SOLE 12002
HARBOR CAPITAL APPRECIATION FU COMMON 411511504 135 5923 SOLE 12660
HARBOR CAPITAL APPRECIATION FU COMMON 411511504 154 6737 DEFINED 12660
HARSCO CORP COMMON 415864107 286 5189 SOLE 5189
HEINZ H J CO COMMON 423074103 1274 27700 SOLE 34700
HEINZ H J CO COMMON 423074103 322 7000 DEFINED 34700
<PAGE> PAGE 6
VALUE SHARES/ SH/ PUT/ INVSTMT -----VOTING AUTHORITY-----
NAME OF ISSUER -TITLE OF CLASS- --CUSIP-- (x$1000) PRN AMT PRN CALL DSCRETN -MANAGERS- SOLE SHARED NONE
HERSHEY FOODS CORP COMMON 427866108 237 3600 SOLE 5250
HERSHEY FOODS CORP COMMON 427866108 108 1650 DEFINED 5250
HEWLETT PACKARD CO COMMON 428236103 3414 41144 SOLE 57794 200
HEWLETT PACKARD CO COMMON 428236103 1398 16850 DEFINED 57794 200
HILLENBRAND INDS INC COMMON 431573104 681 23300 SOLE 30800
HILLENBRAND INDS INC COMMON 431573104 219 7500 DEFINED 30800
IRT PROPERTY CO COMMON 450058102 98 10000 SOLE 10000
ITT CORP COMMON 450679105 1182 9700 SOLE 11460
ITT CORP COMMON 450679105 214 1760 DEFINED 11460
ILLINOIS TOOL WORKS INC COMMON 452308109 197 3350 SOLE 4250
ILLINOIS TOOL WORKS INC COMMON 452308109 53 900 DEFINED 4250
INTEL CORP COMMON 458140100 2577 43100 SOLE 60700 400
INTEL CORP COMMON 458140100 1076 18000 DEFINED 60700 400
INTERNATIONAL BUSINESS MACHS C COMMON 459200101 1538 16218 SOLE 21862 500
INTERNATIONAL BUSINESS MACHS C COMMON 459200101 582 6144 DEFINED 21862 500
INTERNATIONAL FLAVORS & FRAGRA COMMON 459506101 1408 28900 SOLE 32100
INTERNATIONAL FLAVORS & FRAGRA COMMON 459506101 156 3200 DEFINED 32100
INTERNATIONAL GAME TECHNOLOGY COMMON 459902102 335 25300 SOLE 30100
INTERNATIONAL GAME TECHNOLOGY COMMON 459902102 63 4800 DEFINED 30100
INTERNATIONAL PAPER CO COMMON 460146103 74 1854 SOLE 6954
INTERNATIONAL PAPER CO COMMON 460146103 204 5100 DEFINED 6954
FEDERATED INTERNATIONAL EQUITY COMMON 46031P308 649 35796 SOLE 35796
INVESTMENT CO AMER COMMON 461308108 362 16905 SOLE 17497
INVESTMENT CO AMER COMMON 461308108 12 592 DEFINED 17497
JSB FINANCIAL INC COMMON 46624M100 537 17200 SOLE 21400
JSB FINANCIAL INC COMMON 46624M100 131 4200 DEFINED 21400
JANUS FUND INC COMMON 471023101 636 27106 SOLE 34673 2018
JANUS FUND INC COMMON 471023101 225 9585 DEFINED 34673 2018
JOHNSON & JOHNSON COMMON 478160104 2501 33460 SOLE 68090
JOHNSON & JOHNSON COMMON 478160104 2588 34630 DEFINED 68090
JOSTENS INC COMMON 481088102 12636 529282 DEFINED 147809 381473
K MART CORP COMMON 482584109 176 12600 SOLE 21000
K MART CORP COMMON 482584109 117 8400 DEFINED 21000
KANSAS CITY LIFE INSURANCE CO COMMON 484836101 3380 64091 DEFINED 64091
KELLOGG CO COMMON 487836108 944 12656 SOLE 20806
KELLOGG CO COMMON 487836108 608 8150 DEFINED 20806
KEMPER U S MORTGAGE FUND-B COMMON 487902504 104 14678 SOLE 14678
KIMBERLY-CLARK CORP COMMON 494368103 2500 37533 SOLE 52793
KIMBERLY-CLARK CORP COMMON 494368103 1016 15260 DEFINED 52793
KNIGHT-RIDDER INC COMMON 499040103 796 13700 SOLE 15900
KNIGHT-RIDDER INC COMMON 499040103 127 2200 DEFINED 15900
LILLY ELI & CO COMMON 532457108 912 10068 SOLE 12468
LILLY ELI & CO COMMON 532457108 217 2400 DEFINED 12468
LIMITED INC COMMON 532716107 181 9500 SOLE 12500
LIMITED INC COMMON 532716107 57 3000 DEFINED 12500
LINCOLN TELECOMMUNICATIONS CO COMMON 534780101 210 12000 DEFINED 12000
LOUISIANA PACIFIC CORP COMMON 546347105 161 6932 SOLE 9532
LOUISIANA PACIFIC CORP COMMON 546347105 60 2600 DEFINED 9532
LUBRIZOL CORP COMMON 549271104 397 12100 SOLE 12500
LUBRIZOL CORP COMMON 549271104 13 400 DEFINED 12500
<PAGE> PAGE 7
VALUE SHARES/ SH/ PUT/ INVSTMT -----VOTING AUTHORITY-----
NAME OF ISSUER -TITLE OF CLASS- --CUSIP-- (x$1000) PRN AMT PRN CALL DSCRETN -MANAGERS- SOLE SHARED NONE
MCI COMMUNICATIONS CORP COMMON 552673105 283 10800 SOLE 13300 600
MCI COMMUNICATIONS CORP COMMON 552673105 81 3100 DEFINED 13300 600
MFS CHARTER INCOME TR COMMON 552727109 209 22684 SOLE 22684
MFS SER TR II COMMON 552985608 264 31569 SOLE 31569
MFS MONEY MARKET FUND CLASS A 552987109 31 31250 SOLE 31250
MFS SER TR VII COMMON 552988206 149 12469 DEFINED 12469
MARSH & MCLENNAN COS INC COMMON 571748102 622 7150 SOLE 8050
MARSH & MCLENNAN COS INC COMMON 571748102 78 900 DEFINED 8050
MASCO CORP COMMON 574599106 288 10250 SOLE 11550
MASCO CORP COMMON 574599106 36 1300 DEFINED 11550
MAY DEPARTMENT STORES COMMON 577778103 392 9000 SOLE 11000 200
MAY DEPARTMENT STORES COMMON 577778103 95 2200 DEFINED 11000 200
MCDONALD'S CORP COMMON 580135101 1599 41400 SOLE 52256 700
MCDONALD'S CORP COMMON 580135101 446 11556 DEFINED 52256 700
MEDTRONIC INC COMMON 585055106 810 15400 SOLE 24600 400
MEDTRONIC INC COMMON 585055106 505 9600 DEFINED 24600 400
MELVILLE CORP COMMON 585745102 347 10000 SOLE 13800
MELVILLE CORP COMMON 585745102 132 3800 DEFINED 13800
MERCK & CO INC COMMON 589331107 3086 53220 SOLE 82800
MERCK & CO INC COMMON 589331107 1715 29580 DEFINED 82800
MERRILL LYNCH CALIF MUNI BOND COMMON 59019C108 134 11745 SOLE 11745
MICROSOFT CORP COMMON 594918104 2759 31050 SOLE 38450 1200
MICROSOFT CORP COMMON 594918104 764 8600 DEFINED 38450 1200
MINNESOTA MNG & MANUF CO COMMON 604059105 2450 42900 SOLE 63830
MINNESOTA MNG & MANUF CO COMMON 604059105 1195 20930 DEFINED 63830
MOBIL CORPORATION CAPITAL COMMON 607059102 2213 22161 SOLE 41543
MOBIL CORPORATION CAPITAL COMMON 607059102 1935 19382 DEFINED 41543
MONEY MKT OBLIGS TR 60934N864 174 174584 SOLE 174584
MONSANTO CO COMMON 611662107 458 4625 SOLE 10033
MONSANTO CO COMMON 611662107 536 5408 DEFINED 10033
MORGAN J P & CO INC COMMON 616880100 1578 20236 SOLE 24436
MORGAN J P & CO INC COMMON 616880100 327 4200 DEFINED 24436
MORGAN STANLEY GROUP INC COMMON 617446109 337 3600 SOLE 4600
MORGAN STANLEY GROUP INC COMMON 617446109 93 1000 DEFINED 4600
MOTOROLA INC COMMON 620076109 2699 36050 SOLE 54600 400
MOTOROLA INC COMMON 620076109 1418 18950 DEFINED 54600 400
CALIFORNIA INTERMEDIATE COMMON 625905401 3015 288043 SOLE 532088
CALIFORNIA INTERMEDIATE COMMON 625905401 2555 244045 DEFINED 532088
MUTUAL SHARES FUND INC COMMON 628380107 205 2129 DEFINED 2129
MUTUAL SER FD INC COMMON 628380206 217 6723 SOLE 7693
MUTUAL SER FD INC COMMON 628380206 31 970 DEFINED 7693
NEUBERGER & BERMAN PARTNERS FD COMMON 641224407 216 9032 SOLE 10816
NEUBERGER & BERMAN PARTNERS FD COMMON 641224407 42 1784 DEFINED 10816
NEW PLAN REALTY TRUST COMMON 648059103 336 15300 SOLE 15300
NEWBRIDGE NETWORKS CORP COMMON 650901101 609 21000 SOLE 21300
NEWBRIDGE NETWORKS CORP COMMON 650901101 8 300 DEFINED 21300
NIKE INC COMMON 654106103 149 1300 SOLE 2100
NIKE INC COMMON 654106103 92 800 DEFINED 2100
NORDSTROM INC COMMON 655664100 452 11000 SOLE 11000
NORFOLK SOUTHERN CORP COMMON 655844108 549 7323 SOLE 9423
<PAGE> PAGE 8
VALUE SHARES/ SH/ PUT/ INVSTMT -----VOTING AUTHORITY-----
NAME OF ISSUER -TITLE OF CLASS- --CUSIP-- (x$1000) PRN AMT PRN CALL DSCRETN -MANAGERS- SOLE SHARED NONE
NORFOLK SOUTHERN CORP COMMON 655844108 157 2100 DEFINED 9423
NORWEST CORP COMMON 669380107 84 2600 SOLE 12360 400
NORWEST CORP COMMON 669380107 328 10160 DEFINED 12360 400
NOVELL INC COMMON 670006105 362 20200 SOLE 21800 800
NOVELL INC COMMON 670006105 43 2400 DEFINED 21800 800
NUCOR CORP COMMON 670346105 576 13000 SOLE 13500
NUCOR CORP COMMON 670346105 22 500 DEFINED 13500
NUVEEN CALIF MUN VALUE FUND IN COMMON 67062C107 92 9500 SOLE 23634
NUVEEN CALIF MUN VALUE FUND IN COMMON 67062C107 137 14134 DEFINED 23634
NYNEX CORPORATION COMMON 670768100 295 6244 SOLE 8143
NYNEX CORPORATION COMMON 670768100 89 1899 DEFINED 8143
O'LORI HOLDINGS LTD COMMON 670870104 8 45000 DEFINED 45000
OFFICE DEPOT INC COMMON 676220106 189 6450 SOLE 7925
OFFICE DEPOT INC COMMON 676220106 43 1475 DEFINED 7925
OMNICOM GROUP INC COMMON 681919106 1088 16550 SOLE 19750 400
OMNICOM GROUP INC COMMON 681919106 236 3600 DEFINED 19750 400
ORACLE SYSTEMS CORP COMMON 68389X105 579 15000 SOLE 16050
ORACLE SYSTEMS CORP COMMON 68389X105 40 1050 DEFINED 16050
PPG INDUSTRIES INC COMMON 693506107 647 14280 SOLE 17880
PPG INDUSTRIES INC COMMON 693506107 163 3600 DEFINED 17880
PACIFIC GAS & ELECTRIC COMPANY COMMON 694308107 663 22316 SOLE 42350
PACIFIC GAS & ELECTRIC COMPANY COMMON 694308107 596 20034 DEFINED 42350
PACIFIC TELESIS GROUP COMMON 694890104 333 10812 SOLE 20223 200
PACIFIC TELESIS GROUP COMMON 694890104 296 9611 DEFINED 20223 200
PENGUIN REFRIGERATION INC COMMON 707077103 1 14166 DEFINED 14166
PENNEY (J.C.) CO INC COMMON 708160106 915 18500 SOLE 29338
PENNEY (J.C.) CO INC COMMON 708160106 536 10838 DEFINED 29338
PEP BOYS MANNY MOE & JACK COMMON 713278109 488 18000 SOLE 18000
PEPSICO INC COMMON 713448108 2795 53750 SOLE 76750 1500
PEPSICO INC COMMON 713448108 1274 24500 DEFINED 76750 1500
PFIZER INC COMMON 717081103 2615 47232 SOLE 70132 600
PFIZER INC COMMON 717081103 1301 23500 DEFINED 70132 600
PHILIP MORRIS COS INC COMMON 718154107 3535 42593 SOLE 54593 1200
PHILIP MORRIS COS INC COMMON 718154107 1095 13200 DEFINED 54593 1200
PHILLIPS PETROLEUM COMMON 718507106 718 23000 DEFINED 23000
PLACER DOME INC COMMON 725906101 251 10000 DEFINED 10000
PROCTER & GAMBLE CO COMMON 742718109 3234 41340 SOLE 65064 200
PROCTER & GAMBLE CO COMMON 742718109 1872 23924 DEFINED 65064 200
PRUDENTIAL HIGH YIELD FUND COMMON 74435F205 105 13029 SOLE 13029
PUTNAM CALIF TAX EXEMPT INCOME COMMON 746449107 356 43089 SOLE 58240
PUTNAM CALIF TAX EXEMPT INCOME COMMON 746449107 125 15151 DEFINED 58240
PUTNAM MONEY MARKET FUND CL A 746923101 31 31495 SOLE 31495
QUAKER OATS CO COMMON 747402105 1029 31200 SOLE 41100
QUAKER OATS CO COMMON 747402105 326 9900 DEFINED 41100
RALSTON PURINA GROUP COMMON 751277302 734 12637 SOLE 15261
RALSTON PURINA GROUP COMMON 751277302 152 2624 DEFINED 15261
RAYTHEON CO COMMON 755111101 345 4050 SOLE 5148 200
RAYTHEON CO COMMON 755111101 110 1298 DEFINED 5148 200
READERS DIGEST ASSN INC COMMON 755267101 85 1800 SOLE 7500
READERS DIGEST ASSN INC COMMON 755267101 271 5700 DEFINED 7500
<PAGE> PAGE 9
VALUE SHARES/ SH/ PUT/ INVSTMT -----VOTING AUTHORITY-----
NAME OF ISSUER -TITLE OF CLASS- --CUSIP-- (x$1000) PRN AMT PRN CALL DSCRETN -MANAGERS- SOLE SHARED NONE
REAL ESTATE INVESTMENT TRUST C COMMON 755895109 562 33831 SOLE 33831
T ROWE PRICE INTERNATIONAL FUN COMMON 77956H104 247 23992 SOLE 26455
T ROWE PRICE INTERNATIONAL FUN COMMON 77956H104 25 2463 DEFINED 26455
T ROWE PRICE INTERNATIONAL FUN COMMON 77956H203 346 28436 SOLE 28436
T ROWE PRICE SCIENCE & TECHNOL COMMON 77957M102 493 15335 SOLE 21612 915
T ROWE PRICE SCIENCE & TECHNOL COMMON 77957M102 231 7192 DEFINED 21612 915
T ROWE PRICE SMALL-CAP VALUE F COMMON 77957Q103 226 13481 SOLE 15507
T ROWE PRICE SMALL-CAP VALUE F COMMON 77957Q103 33 2026 DEFINED 15507
ROYAL DUTCH PETE CO COMMON 780257705 1037 8426 SOLE 11284
ROYAL DUTCH PETE CO COMMON 780257705 351 2858 DEFINED 11284
RUBBERMAID INC COMMON 781088109 318 11800 SOLE 16900
RUBBERMAID INC COMMON 781088109 137 5100 DEFINED 16900
FRANK RUSSELL INVESTMENT COMPA COMMON 782493407 203 9528 SOLE 9886
FRANK RUSSELL INVESTMENT COMPA COMMON 782493407 7 358 DEFINED 9886
FRANK RUSSELL INVESTMENT COMPA COMMON 782493803 221 5397 SOLE 6047
FRANK RUSSELL INVESTMENT COMPA COMMON 782493803 26 650 DEFINED 6047
SBC COMMUNCATIONS INC COMMON 78387G103 1941 35550 SOLE 45124
SBC COMMUNCATIONS INC COMMON 78387G103 522 9574 DEFINED 45124
SCE CORP COMMON 783882103 1061 61562 SOLE 93238 800
SCE CORP COMMON 783882103 560 32476 DEFINED 93238 800
SAN DIEGO GAS & ELEC CO COMMON 797440104 113 4896 SOLE 11096
SAN DIEGO GAS & ELEC CO COMMON 797440104 143 6200 DEFINED 11096
SANTA BARBARA BANCORP COMMON 801233107 18165 593175 SOLE 702394 1220
SANTA BARBARA BANCORP COMMON 801233107 3382 110439 DEFINED 702394 1220
SARA LEE CORPORATION COMMON 803111103 793 26562 SOLE 47482 2000
SARA LEE CORPORATION COMMON 803111103 684 22920 DEFINED 47482 2000
SCHERING-PLOUGH CORPORATION COMMON 806605101 935 17600 SOLE 33000 400
SCHERING-PLOUGH CORPORATION COMMON 806605101 839 15800 DEFINED 33000 400
SCHLUMBERGER LIMITED COMMON 806857108 109 1675 SOLE 3875
SCHLUMBERGER LIMITED COMMON 806857108 144 2200 DEFINED 3875
SCHWAB CHARLES CORP NEW COMMON 808513105 169 6300 SOLE 9900
SCHWAB CHARLES CORP NEW COMMON 808513105 96 3600 DEFINED 9900
SCUDDER INTERNATIONAL BOND COMMON 811150200 390 34366 SOLE 34366
SEARS ROEBUCK & CO COMMON 812387108 594 16404 SOLE 18444
SEARS ROEBUCK & CO COMMON 812387108 73 2040 DEFINED 18444
SHAW INDUSTRIES INC COMMON 820286102 175 11500 SOLE 17400
SHAW INDUSTRIES INC COMMON 820286102 89 5900 DEFINED 17400
SILICON GRAPHICS INC COMMON 827056102 886 27500 SOLE 29100 1000
SILICON GRAPHICS INC COMMON 827056102 83 2600 DEFINED 29100 1000
SMITHKLINE BEECHAM PLC COMMON 832378400 99 1944 SOLE 4344
SMITHKLINE BEECHAM PLC COMMON 832378400 123 2400 DEFINED 4344
SONOCO PRODUCTS CO COMMON 835495102 2352 84000 SOLE 84000
SOUTHERN CO COMMON 842587107 495 20634 SOLE 21274
SOUTHERN CO COMMON 842587107 15 640 DEFINED 21274
SOUTHWESTERN PUBLIC SERVICE CO COMMON 845743103 593 18050 SOLE 20422
SOUTHWESTERN PUBLIC SERVICE CO COMMON 845743103 77 2372 DEFINED 20422
SPRINT CORPORATION COMMON 852061100 728 21743 SOLE 29650
SPRINT CORPORATION COMMON 852061100 264 7907 DEFINED 29650
SUN MICROSYSTEMS INC COMMON 866810104 631 10500 SOLE 10500
SUNTRUST BANKS INC COMMON 867914103 1143 17300 SOLE 19100
<PAGE> PAGE 10
VALUE SHARES/ SH/ PUT/ INVSTMT -----VOTING AUTHORITY-----
NAME OF ISSUER -TITLE OF CLASS- --CUSIP-- (x$1000) PRN AMT PRN CALL DSCRETN -MANAGERS- SOLE SHARED NONE
SUNTRUST BANKS INC COMMON 867914103 119 1800 DEFINED 19100
SUPERIOR INDUSTRIES INTL INC COMMON 868168105 439 16900 SOLE 20000
SUPERIOR INDUSTRIES INTL INC COMMON 868168105 80 3100 DEFINED 20000
SYSCO CORP COMMON 871829107 348 12900 SOLE 16900 300
SYSCO CORP COMMON 871829107 116 4300 DEFINED 16900 300
TECO ENERGY INC COMMON 872375100 754 31600 SOLE 40040 400
TECO ENERGY INC COMMON 872375100 211 8840 DEFINED 40040 400
TRW INC COMMON 872649108 438 6000 SOLE 6000
TEMPLETON FUNDS INC COMMON 880196209 1559 160284 SOLE 198684
TEMPLETON FUNDS INC COMMON 880196209 373 38400 DEFINED 198684
TEMPLETON GLOBAL INCOME FUND I COMMON 880198106 86 12540 SOLE 12540
TEMPLETON INSTL FDS INC COMMON 880210505 952 66884 SOLE 93758 3466
TEMPLETON INSTL FDS INC COMMON 880210505 432 30340 DEFINED 93758 3466
TEXACO INC COMMON 881694103 681 10586 SOLE 13902
TEXACO INC COMMON 881694103 213 3316 DEFINED 13902
TEXAS INSTRUMENTS COMMON 882508104 1998 25500 SOLE 26700 1400
TEXAS INSTRUMENTS COMMON 882508104 203 2600 DEFINED 26700 1400
TEXAS UTILITIES CO COMMON 882848104 521 14731 SOLE 19066
TEXAS UTILITIES CO COMMON 882848104 153 4335 DEFINED 19066
TEXTRON INC COMMON 883203101 308 4600 SOLE 6600
TEXTRON INC COMMON 883203101 134 2000 DEFINED 6600
TOYS R US COMMON 892335100 318 11950 SOLE 15050
TOYS R US COMMON 892335100 82 3100 DEFINED 15050
TRANSAMERICA CORP COMMON 893485102 331 4681 SOLE 4681
TRAVELERS INC COMMON 894190107 427 8166 SOLE 8316
TRAVELERS INC COMMON 894190107 7 150 DEFINED 8316
UNIFIRST CORP MASS COMMON 904708104 93 6500 SOLE 10000
UNIFIRST CORP MASS COMMON 904708104 50 3500 DEFINED 10000
UNION PACIFIC CORP COMMON 907818108 1601 24265 SOLE 32128
UNION PACIFIC CORP COMMON 907818108 518 7863 DEFINED 32128
U S WEST INC COMMON 912889102 1458 30858 SOLE 37922 200
U S WEST INC COMMON 912889102 343 7264 DEFINED 37922 200
UNITED TECHNOLOGIES CORP COMMON 913017109 692 8074 SOLE 10074
UNITED TECHNOLOGIES CORP COMMON 913017109 171 2000 DEFINED 10074
UNIVERSAL INTL INC COMMON 913900403 96 25000 SOLE 25000
UNOCAL CORP COMMON 915289102 1713 60911 SOLE 61155 800
UNOCAL CORP COMMON 915289102 29 1044 DEFINED 61155 800
V F CORP COMMON 918204108 274 5370 SOLE 5370
VANCE SANDERS EXCHANGE FUND COMMON 921902102 273 840 DEFINED 840
VANGUARD U S GROWTH PORTFOLIO COMMON 921910105 603 30298 SOLE 30298
VANGUARD/WELLINGTON FD INC #21 COMMON 921935102 1487 62937 SOLE 77047
VANGUARD/WELLINGTON FD INC #21 COMMON 921935102 333 14110 DEFINED 77047
VANGUARD BOND INDEX FUND COMMON 921937108 2760 279084 SOLE 372160
VANGUARD BOND INDEX FUND COMMON 921937108 920 93076 DEFINED 372160
VANGUARD TRUSTEES' EQUITY FUND COMMON 921939203 77 2401 SOLE 6464
VANGUARD TRUSTEES' EQUITY FUND COMMON 921939203 131 4063 DEFINED 6464
VANGUARD/WINDSOR II PORTFOLIO COMMON 922018205 2317 113287 SOLE 135555
VANGUARD/WINDSOR II PORTFOLIO COMMON 922018205 455 22268 DEFINED 135555
VANGUARD CALIF TAX FREE FD COMMON 922021100 190 17444 SOLE 17444
VANGUARD FIXED INCOME SECS FD COMMON 922031109 130 14430 SOLE 14430
<PAGE> PAGE 11
VALUE SHARES/ SH/ PUT/ INVSTMT -----VOTING AUTHORITY-----
NAME OF ISSUER -TITLE OF CLASS- --CUSIP-- (x$1000) PRN AMT PRN CALL DSCRETN -MANAGERS- SOLE SHARED NONE
VANGUARD FIXED INCOME COMMON 922031406 2108 195799 SOLE 281050
VANGUARD FIXED INCOME COMMON 922031406 918 85251 DEFINED 281050
VANGUARD FIXED INCOME SECS FD 922031505 272 26268 SOLE 26268
VANGUARD FIXED INCOME SECS FD COMMON 922031604 116 11468 SOLE 20848
VANGUARD FIXED INCOME SECS FD COMMON 922031604 95 9380 DEFINED 20848
VANGUARD MUNICIPAL BOND FUND, COMMON 922907100 278 17862 SOLE 17862
VANGUARD MUNI BOND FUND COMMON 922907209 60 4580 SOLE 15909
VANGUARD MUNI BOND FUND COMMON 922907209 149 11329 DEFINED 15909
VANGUARD MUNI BOND FUND COMMON 922907704 265 24813 SOLE 42166
VANGUARD MUNI BOND FUND COMMON 922907704 185 17353 DEFINED 42166
VANGUARD INDEX TRUST COMMON 922908108 1989 36306 SOLE 43716 2638
VANGUARD INDEX TRUST COMMON 922908108 550 10048 DEFINED 43716 2638
VANGUARD INDEX TRUST COMMON 922908207 645 27097 SOLE 31884 1083
VANGUARD INDEX TRUST COMMON 922908207 139 5870 DEFINED 31884 1083
VANGUARD INDEX TRUST COMMON 922908504 686 51835 SOLE 58673
VANGUARD INDEX TRUST COMMON 922908504 90 6838 DEFINED 58673
VANGUARD INDEX TR COMMON 922908702 1639 88444 SOLE 97505
VANGUARD INDEX TR COMMON 922908702 167 9061 DEFINED 97505
WACHOVIA CORPORATION COMMON 929771103 1833 41800 SOLE 47500
WACHOVIA CORPORATION COMMON 929771103 250 5700 DEFINED 47500
WAL MART STORES INC COMMON 931142103 1462 60300 SOLE 71700 2700
WAL MART STORES INC COMMON 931142103 341 14100 DEFINED 71700 2700
WARNER LAMBERT CO COMMON 934488107 1150 12300 SOLE 17000
WARNER LAMBERT CO COMMON 934488107 439 4700 DEFINED 17000
WELLS FARGO & CO COMMON 949740104 258 1300 SOLE 2900
WELLS FARGO & CO COMMON 949740104 317 1600 DEFINED 2900
WESTERN INVT REAL ESTATE TR COMMON 958468100 112 10000 SOLE 10000
WEYERHAEUSER CO COMMON 962166104 226 4975 SOLE 6975
WEYERHAEUSER CO COMMON 962166104 91 2000 DEFINED 6975
WINN-DIXIE STORES INC COMMON 974280109 943 15864 SOLE 18530
WINN-DIXIE STORES INC COMMON 974280109 158 2666 DEFINED 18530
WISCONSIN ENERGY CORP COMMON 976657106 154 5389 SOLE 7627
WISCONSIN ENERGY CORP COMMON 976657106 64 2238 DEFINED 7627
XEROX CORP COMMON 984121103 2678 20643 SOLE 28243
XEROX CORP COMMON 984121103 986 7600 DEFINED 28243
REPORT SUMMARY 485 DATA RECORDS 342954 0 OTHER MANAGERS ON WHOSE BEHALF REPORT IS FILED
</TABLE>