SANTA BARBARA BANCORP
13F-E, 1995-10-20
STATE COMMERCIAL BANKS
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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    
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