<PAGE>
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
Form 13F COVER PAGE
Report for the Quarter Ended: September 30, 1999
Check here if Amendment [ ]; Amendment Number:
This Amendment (Check only one.): [ ]is a restatement
[ ]adds new holdings entries
Institutional Investment Manager Filing this Report:
Name: Regions Financial Corporation
Address: 417 North 20th Street
Birmingham, AL 35202
Form 13F File Number: 28-01129
The institutional investment manager filing this report and the
person by whom it is signed hereby represent that the person
signing the report is authorized to submit it, that all
information contained herein is true, correct and complete, and
that it is understood that all required items, statements,
schedules, lists, and tables, are considered integral parts of
this form.
Person Signing this Report on Behalf of Reporting Manager:
Name: Ronald C. Jackson
Title: Senior Vice President and Director of Investor Relations
Phone: 205/326-7090
Signature, Place, and Date of Signing:
/s/Ronald C. Jackson Birmingham, Alabama November 12, 1999
[Signature] [City, State] [Date]
Report Type (Check only one.):
[X]13F HOLDINGS REPORT. (Check here if all holdings of this
reporting manager are reported in this report.)
[ ]13F NOTICE. (Check here if no holdings reported are in this
report, and all holdings are reported by other reporting
manager(s).)
[ ]13F COMBINATION REPORT. (Check here if a portion of the
holdings for this reporting manager are reported in this
report and a portion are reported by other reporting
manager(s).)
List of Other Managers Reporting for this Manager: None
<PAGE>
Form 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 804
Form 13F Information Table Value Total: $2,809,970(thousands)
List of Other Included Managers: None
Provide a numbered list of the name(s) and Form 13F file
number(s) of all institutional investment managers with respect
to which this report is filed, other than the manager filing this
report.
<PAGE>
Form 13F INFORMATION TABLE
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (THOUSANDS) PRN AMT PRN CALL DISCRETION SOLE SHARED NONE
DAIMLERCHRYSLER AG FOREIGN STOCK D1668R123 296 4258 SH DEFINED 3,959 299
DAIMLERCHRYSLER AG FOREIGN STOCK D1668R123 35 500 SH OTHER 189 311
GLOBAL CROSSING LTD COMMON STOCK G3921A100 383 14466 SH DEFINED 4,729 9737
GLOBAL CROSSING LTD COMMON STOCK G3921A100 11 410 SH OTHER 410
ADC TELECOMMUNICATIONS INC COMMON STOCK 000886101 419 10000 SH DEFINED 10,000
AFLAC INC COMMON STOCK 001055102 9506 227004 SH DEFINED 222,990 4014
AFLAC INC COMMON STOCK 001055102 122 2910 SH OTHER 560 850 1500
AGL RES INC COMMON STOCK 001204106 29 1800 SH DEFINED 1,800
AGL RES INC COMMON STOCK 001204106 316 19472 SH OTHER 12,500 2,972 4000
AES CORP COMMON STOCK 00130H105 938 15900 SH DEFINED 15,900
AMR CORP DEL COMMON STOCK 001765106 1526 28000 SH DEFINED 27,450 550
AMR CORP DEL COMMON STOCK 001765106 84 1540 SH OTHER 1,540
A T & T CORP COMMON STOCK 001957109 20627 474161 SH DEFINED 444,432 957 28772
A T & T CORP COMMON STOCK 001957109 3112 71537 SH OTHER 61,167 3,833 6537
ABBOTT LABORATORIES COMMON STOCK 002824100 13397 365171 SH DEFINED 364,391 780
ABBOTT LABORATORIES COMMON STOCK 002824100 850 23177 SH OTHER 15,377 7800
ABERCROMBIE & FITCH CO CLASS A COMMON STOCK 002896207 546 16024 SH DEFINED 16,024
ACXIOM CORP COMMON STOCK 005125109 232 11780 SH DEFINED 11,780
ACXIOM CORP COMMON STOCK 005125109 21 1050 SH OTHER 250 800
AEGON N V FOREIGN STOCK 007924103 789 9126 SH DEFINED 9,126
AEGON N V FOREIGN STOCK 007924103 517 5974 SH OTHER 5,974
AETNA INC COMMON STOCK 008117103 374 7584 SH DEFINED 7,584
AETNA INC COMMON STOCK 008117103 30 600 SH OTHER 600
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 1023 34975 SH DEFINED 33,275 1700
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 93 3176 SH OTHER 2,176 1000
AIRBORNE FGHT CORP COMMON STOCK 009266107 211 10000 SH DEFINED 10,000
AIRTRAN HOLDINGS INC COMMON STOCK 00949P108 97 19200 SH DEFINED 19,200
AKZO NOBEL N. V. ADR COMMON STOCK 010199305 218 5096 SH DEFINED 5,096
ALBERTSONS INC COMMON STOCK 013104104 2706 68400 SH DEFINED 68,400
ALBERTSONS INC COMMON STOCK 013104104 8 200 SH OTHER 200
ALCOA INC COMMON STOCK 013817101 3334 53719 SH DEFINED 53,059 660
ALCOA INC COMMON STOCK 013817101 31 500 SH OTHER 500
ALEXANDER & BALDWIN INC COM COMMON STOCK 014482103 902 37800 SH DEFINED 37800
ALFA CORP COMMON STOCK 015385107 320 19684 SH DEFINED 19,684
ALFA CORP COMMON STOCK 015385107 11 698 SH OTHER 698
ALLEGHENY ENERGY INC COMMON STOCK 017361106 203 6356 SH DEFINED 6,356
ALLEGHENY ENERGY INC COMMON STOCK 017361106 45 1400 SH OTHER 600 800
ALLIANCE CAP MGMT LP UNIT LTD PARTN 018548107 358 13050 SH DEFINED 13,050
ALLIANT CORP COMMON STOCK 018802108 228 8226 SH DEFINED 8,226
ALLIANT CORP COMMON STOCK 018802108 4 140 SH OTHER 83 57
ALLIED SIGNAL INC. COMMON STOCK 019512102 1107 18472 SH DEFINED 17,174 350 948
ALLIED SIGNAL INC. COMMON STOCK 019512102 66 1100 SH OTHER 100 1,000
ALLIED WASTE INDS INC COMMON STOCK 019589308 281 24000 SH DEFINED 24,000
ALLIED WASTE INDS INC COMMON STOCK 019589308 6 500 SH OTHER 500
ALLSTATE CORP COMMON STOCK 020002101 2983 119627 SH DEFINED 117,352 2275
ALLSTATE CORP COMMON STOCK 020002101 311 12483 SH OTHER 7,161 5,322
ALLTEL CORP COMMON STOCK 020039103 14117 200595 SH DEFINED 200,345 250
ALLTEL CORP COMMON STOCK 020039103 900 12795 SH OTHER 12,779 16
ALTERA CORP COMMON STOCK 021441100 1301 30000 SH DEFINED 30,000
AMEREN CORP COMMON STOCK 023608102 278 7354 SH DEFINED 7,354
AMEREN CORP COMMON STOCK 023608102 30 800 SH OTHER 800
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 17130 164608 SH DEFINED 152,983 200 11425
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 727 6985 SH OTHER 6,185 600 200
AMERICAN EXPRESS CO COMMON STOCK 025816109 17345 128479 SH DEFINED 125,399 3080
AMERICAN EXPRESS CO COMMON STOCK 025816109 1757 13017 SH OTHER 9,917 500 2600
AMERICAN GENERAL CORP COMMON STOCK 026351106 3921 61985 SH DEFINED 61,885 100
AMERICAN GENERAL CORP COMMON STOCK 026351106 228 3600 SH OTHER 3,300 150 150
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 24317 585962 SH DEFINED 562,919 500 22543
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 6652 160300 SH OTHER 136,800 2,500 21000
AMERICAN INTL GROUP INC COMMON STOCK 026874107 39918 459157 SH DEFINED 457,785 1372
AMERICAN INTL GROUP INC COMMON STOCK 026874107 1356 15596 SH OTHER 11,986 500 3110
AMERICAN PWR CONVERSION CORP COMMON STOCK 029066107 605 31858 SH DEFINED 31,858
AMERICAN PWR CONVERSION CORP COMMON STOCK 029066107 23 1200 SH OTHER 1,200
AMERITECH CORP COMMON STOCK 030954101 11235 168315 SH DEFINED 162,742 5573
AMERITECH CORP COMMON STOCK 030954101 1071 16042 SH OTHER 11,900 1,742 2400
AMGEN INC COMMON STOCK 031162100 9128 111995 SH DEFINED 111,245 750
AMGEN INC COMMON STOCK 031162100 79 970 SH OTHER 970
AMSOUTH BANCORPORATION COMMON STOCK 032165102 12508 533669 SH DEFINED 472,959 60710
AMSOUTH BANCORPORATION COMMON STOCK 032165102 6377 272080 SH OTHER 236,574 5,271 30235
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 6984 99681 SH DEFINED 98,681 1000
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 755 10773 SH OTHER 10,173 300 300
AON CORP COMMON STOCK 037389103 330 11175 SH DEFINED 11,175
APPLIED MATLS INC COMMON STOCK 038222105 634 8155 SH DEFINED 7,635 520
APPLIED MATLS INC COMMON STOCK 038222105 47 600 SH OTHER 600
ASSOCIATES FIRST CAP CORP COMMON STOCK 046008108 1881 52256 SH DEFINED 52,178 78
ASSOCIATES FIRST CAP CORP COMMON STOCK 046008108 147 4081 SH OTHER 4,055 26
ASTRAZENECA PLC FOREIGN STOCK 046353108 254 6000 SH DEFINED 6,000
ATLANTIC COAST AIRLINES HOLDINGS INC COMMON STOCK 048396105 178 10000 SH DEFINED 10,000
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 6134 69215 SH DEFINED 64,110 480 4625
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 1440 16246 SH OTHER 9,056 6,590 600
AUBURN NATIONAL BANCORPORATION COMMON STOCK 050473107 1 100 SH DEFINED 100
AUBURN NATIONAL BANCORPORATION COMMON STOCK 050473107 667 50310 SH OTHER 50,310
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 5875 131659 SH DEFINED 131,059 600
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 834 18680 SH OTHER 13,780 2,900 2000
AVERY DENNISON CORP COMMON STOCK 053611109 256 4854 SH DEFINED 4,854
AVERY DENNISON CORP COMMON STOCK 053611109 290 5500 SH OTHER 4,400 1,100
AVON PRODS INC COMMON STOCK 054303102 2202 88743 SH DEFINED 88,493 250
AVON PRODS INC COMMON STOCK 054303102 35 1400 SH OTHER 1,400
BB&T CORP COMMON STOCK 054937107 486 15000 SH DEFINED 15,000
BP AMOCO PLC ADS FOREIGN STOCK 055622104 10898 98342 SH DEFINED 94,710 3632
BP AMOCO PLC ADS FOREIGN STOCK 055622104 2540 22919 SH OTHER 20,802 2117
BMC SOFTWARE INC COMMON STOCK 055921100 6403 89480 SH DEFINED 86,980 2500
BMC SOFTWARE INC COMMON STOCK 055921100 140 1950 SH OTHER 850 1,100
BAKER HUGHES INC COMMON STOCK 057224107 842 29050 SH DEFINED 27,300 1750
BAKER HUGHES INC COMMON STOCK 057224107 4 150 SH OTHER 150
BANK AMER CORP COMMON STOCK 060505104 11980 215122 SH DEFINED 213,728 1394
BANK AMER CORP COMMON STOCK 060505104 16918 303800 SH OTHER 289,400 14,000 400
BANK NEW YORK INC COMMON STOCK 064057102 2486 74352 SH DEFINED 74,172 180
BANK NEW YORK INC COMMON STOCK 064057102 403 12060 SH OTHER 260 11,800
BANK ONE CORP COMMON STOCK 06423A103 3544 101791 SH DEFINED 99,840 1951
BANK ONE CORP COMMON STOCK 06423A103 524 15048 SH OTHER 8,248 4,235 2565
BANKBOSTON CORP COMMON STOCK 06605R106 362 8350 SH DEFINED 8,150 200
BANKBOSTON CORP COMMON STOCK 06605R106 128 2944 SH OTHER 2,744 200
BARRICK GOLD CORP COMMON STOCK 067901108 971 44630 SH DEFINED 44,350 280
BARRICK GOLD CORP COMMON STOCK 067901108 22 1000 SH OTHER 1,000
BAUSCH & LOMB INC COMMON STOCK 071707103 129 1954 SH DEFINED 1,954
BAUSCH & LOMB INC COMMON STOCK 071707103 77 1164 SH OTHER 1,164
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 720 11950 SH DEFINED 11,860 90
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 233 3864 SH OTHER 2,364 800 700
BEAR STEARNS COS INC COMMON STOCK 073902108 167 4332 SH DEFINED 4,182 150
BEAR STEARNS COS INC COMMON STOCK 073902108 43 1122 SH OTHER 1,122
BECTON DICKINSON & CO COMMON STOCK 075887109 370 13200 SH DEFINED 13,200
BECTON DICKINSON & CO COMMON STOCK 075887109 32 1148 SH OTHER 1,148
BELL ATLANTIC CORP COMMON STOCK 077853109 6987 103798 SH DEFINED 92,574 11224
BELL ATLANTIC CORP COMMON STOCK 077853109 1412 20984 SH OTHER 13,674 6,118 1192
BELLSOUTH CORP COMMON STOCK 079860102 13892 308708 SH DEFINED 292,194 450 16064
BELLSOUTH CORP COMMON STOCK 079860102 5938 131954 SH OTHER 116,390 11,560 4004
BERGEN BRUNSWIG CORP COMMON STOCK 083739102 208 20000 SH DEFINED 20,000
BERKSHIRE HATHAWAY INC DEL CL A COMMON STOCK 084670108 330 6 SH DEFINED 6
BERKSHIRE HATHAWAY INC DEL CL A COMMON STOCK 084670108 1210 22 SH OTHER 22
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670207 1364 735 SH DEFINED 719 5 11
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670207 464 250 SH OTHER 245 5
BESTFOODS COMMON STOCK 08658U101 2683 55256 SH DEFINED 53,680 1576
BESTFOODS COMMON STOCK 08658U101 1061 21857 SH OTHER 17,457 1,400 3000
BIOCRYST PHARMACEUTICALS INC COMMON STOCK 09058V103 116 4800 SH DEFINED 4,800
BIOCRYST PHARMACEUTICALS INC COMMON STOCK 09058V103 2669 110054 SH OTHER 2,000 108054
BIOGEN INC COMMON STOCK 090597105 2156 27350 SH DEFINED 27,350
BLACKROCK 1999 TERM TRUST INC COMMON STOCK 09247T100 173 17225 SH DEFINED 17,225
BLACKROCK INSD MUN TERM TR INC COMMON STOCK 092474105 253 25000 SH DEFINED 25,000
BLOCK H & R INC COMMON STOCK 093671105 187 4300 SH DEFINED 3,800 500
BLOCK H & R INC COMMON STOCK 093671105 87 2000 SH OTHER 2000
BLOUNT INTL INC NEW COMMON STOCK 095180105 183 13578 SH DEFINED 13,578
BLOUNT INTL INC NEW COMMON STOCK 095180105 81 6000 SH OTHER 6000
BOCA RESH INC COMMON STOCK 096888102 66 10000 SH OTHER 10,000
BOEING CO COMMON STOCK 097023105 3864 90647 SH DEFINED 90,147 500
BOEING CO COMMON STOCK 097023105 8088 189759 SH OTHER 187,644 2115
BOSTON PPTYS INC COMMON STOCK 101121101 967 31500 SH DEFINED 31500
BOSTON SCIENTIFIC CORP COMMON STOCK 101137107 210 8500 SH OTHER 8500
BRIGGS & STRATTON CORP COMMON STOCK 109043109 152 2600 SH DEFINED 2,600
BRIGGS & STRATTON CORP COMMON STOCK 109043109 105 1800 SH OTHER 1,800
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 52152 772615 SH DEFINED 755,010 250 17355
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 11306 167490 SH OTHER 111,290 6,400 49800
BURLINGTON NORTHN SANTA FE CORP COMMON STOCK 12189T104 1122 40804 SH DEFINED 40,804
BURLINGTON NORTHN SANTA FE CORP COMMON STOCK 12189T104 283 10275 SH OTHER 6,000 4,275
BURLINGTON RESOURCES INC COMMON STOCK 122014103 1399 38060 SH DEFINED 35,014 3046
BURLINGTON RESOURCES INC COMMON STOCK 122014103 207 5640 SH OTHER 3,486 2,154
CBRL GROUP INC COMMON STOCK 12489V106 133 8600 SH DEFINED 7,100 1500
CBRL GROUP INC COMMON STOCK 12489V106 42 2700 SH OTHER 1,500 1,200
CBS CORP COMMON STOCK 12490K107 2022 43716 SH DEFINED 43,716
CBS CORP COMMON STOCK 12490K107 9 200 SH OTHER 200
CIGNA CORP COMMON STOCK 125509109 840 10800 SH DEFINED 10,800
CIGNA CORP COMMON STOCK 125509109 171 2196 SH OTHER 2196
CSX CORP COMMON STOCK 126408103 1931 45563 SH DEFINED 23,563 22000
CSX CORP COMMON STOCK 126408103 132 3120 SH OTHER 1,500 1620
CADENCE DESIGN SYS INC COMMON STOCK 127387108 321 24000 SH DEFINED 24,000
CAMPBELL SOUP CO COMMON STOCK 134429109 2034 52000 SH DEFINED 51,400 600
CAMPBELL SOUP CO COMMON STOCK 134429109 78 2000 SH OTHER 1,200 800
CANADIAN PACIFIC LTD COMMON STOCK 135923100 1209 53000 SH DEFINED 2,000 51000
CARNIVAL CORP COMMON STOCK 143658102 1631 37500 SH DEFINED 37,500
CARNIVAL CORP COMMON STOCK 143658102 135 3100 SH OTHER 3100
CATELLUS DEV CORP COMMON STOCK 149111106 836 71136 SH DEFINED 136 71000
CATERPILLAR INC COMMON STOCK 149123101 1796 32760 SH DEFINED 30,710 2050
CATERPILLAR INC COMMON STOCK 149123101 242 4412 SH OTHER 4,412
CENDANT CORP COMMON STOCK 151313103 754 42500 SH DEFINED 42,500
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 678 32093 SH DEFINED 32,093
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 104 4930 SH OTHER 4,750 180
CENTURYTEL INC COMMON STOCK 156700106 1616 39779 SH DEFINED 31,372 8407
CENTURYTEL INC COMMON STOCK 56700106 38 945 SH OTHER 945
CHAMPION INTL CORP COMMON STOCK 158525105 80 1550 SH DEFINED 1,550
CHAMPION INTL CORP COMMON STOCK 158525105 958 18638 SH OTHER 18,638
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 6482 85996 SH DEFINED 85,596 400
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 160 2126 SH OTHER 2,116 10
CHEVRON CORP COMMON STOCK 166751107 14736 166045 SH DEFINED 158,490 7555
CHEVRON CORP COMMON STOCK 166751107 3194 35994 SH OTHER 30,047 3,531 2416
CHIRON CORP COMMON STOCK 170040109 1047 37800 SH DEFINED 37,800
CHUBB CORP COMMON STOCK 171232101 1499 30210 SH DEFINED 29,810 400
CINCINNATI BELL INC COMMON STOCK 171870108 389 20000 SH DEFINED 20,000
CINCINNATI BELL INC COMMON STOCK 171870108 3 160 SH OTHER 160
CINERGY CORP COMMON STOCK 172474108 224 7925 SH DEFINED 7,175 750
CINERGY CORP COMMON STOCK 172474108 57 2000 SH OTHER 2,000
CIRCUIT CITY STORES GROUP COMMON STOCK 172737108 3695 87585 SH DEFINED 86,985 600
CIRCUIT CITY STORES GROUP COMMON STOCK 172737108 51 1200 SH OTHER 1,000 200
CISCO SYS INC COMMON STOCK 17275R102 34168 498345 SH DEFINED 474,870 300 23175
CISCO SYS INC COMMON STOCK 17275R102 566 8252 SH OTHER 4,882 3,200 170
CITIGROUP INC COMMON STOCK 172967101 14298 324960 SH DEFINED 304,806 20154
CITIGROUP INC COMMON STOCK 172967101 2846 64680 SH OTHER 58,755 2,100 3825
CITIZENS UTILITIES CO DEL CL B COMMON STOCK 177342201 114 10034 SH DEFINED 10,034
CITRIX SYS INC COMMON STOCK 177376100 1386 22380 SH DEFINED 22,300 80
CITRIX SYS INC COMMON STOCK 177376100 8 128 SH OTHER 128
CLEAR CHANNEL COMMUNICATIONS COMMON STOCK 184502102 1358 17000 SH DEFINED 17,000
CLOROX CO COMMON STOCK 189054109 5649 147677 SH DEFINED 136,617 11060
CLOROX CO COMMON STOCK 189054109 272 7108 SH OTHER 4,108 3,000
COCA COLA CO COMMON STOCK 191216100 84228 1745662 SH DEFINED 1,700,868 850 43944
COCA COLA CO COMMON STOCK 191216100 102992 2134554 SH OTHER 2,079,528 39,496 15530
COCA COLA ENTERPRISES INC COMMON STOCK 191219104 905 40125 SH DEFINED 40,125
COCA COLA ENTERPRISES INC COMMON STOCK 191219104 50566 2241084 SH OTHER 2,241,084
COLGATE PALMOLIVE CO COMMON STOCK 194162103 7894 172555 SH DEFINED 167,785 4770
COLGATE PALMOLIVE CO COMMON STOCK 194162103 12289 268608 SH OTHER 267,008 1,600
COLONIAL BANCGROUP INC COMMON STOCK 195493309 148 13221 SH DEFINED 13,221
COLONIAL BANCGROUP INC COMMON STOCK 195493309 143 12784 SH OTHER 4,784 8000
COLONIAL PPTYS TR COMMON STOCK 195872106 249 9326 SH DEFINED 9,326
COLONIAL PPTYS TR COMMON STOCK 195872106 254 9500 SH OTHER 9,500
COLUMBIA/HCA HEALTHCARE CORP COMMON STOCK 197677107 1216 57393 SH DEFINED 57,393
COLUMBIA/HCA HEALTHCARE CORP COMMON STOCK 197677107 2 100 SH OTHER 100
COMAIR HLDGS INC COMMON STOCK 199789108 167 10000 SH DEFINED 10,000
COMDISCO INC COMMON STOCK 200336105 464 24000 SH DEFINED 24,000
COMERICA INC COMMON STOCK 200340107 354 7000 SH DEFINED 7,000
COMPASS BANCSHARES, INC. COMMON STOCK 20449H109 3323 132915 SH DEFINED 128,394 4521
COMPASS BANCSHARES, INC. COMMON STOCK 20449H109 3175 127013 SH OTHER 127,013
COMPAQ COMPUTER CORP COMMON STOCK 204493100 3270 142943 SH DEFINED 139,343 3600
COMPAQ COMPUTER CORP COMMON STOCK 204493100 701 30648 SH OTHER 28,611 1,600 437
COMPUTER ASSOC INTL INC COMMON STOCK 204912109 4519 73925 SH DEFINED 73,775 150
COMPUTER ASSOC INTL INC COMMON STOCK 204912109 64 1055 SH OTHER 1,055
COMPUTER SCIENCES CORP COMMON STOCK 205363104 4571 65004 SH DEFINED 63,904 1100
COMPUTER SCIENCES CORP COMMON STOCK 205363104 14 200 SH OTHER 100 100
COMPUWARE CORP COMMON STOCK 205638109 1433 55000 SH DEFINED 55,000
COMPUWARE CORP COMMON STOCK 205638109 4 160 SH OTHER 160
COMVERSE TECHNOLOGY INC COMMON STOCK 205862402 1932 20490 SH DEFINED 20,490
COMVERSE TECHNOLOGY INC COMMON STOCK 205862402 141 1500 SH OTHER 1,500
CONAGRA INC COMMON STOCK 205887102 729 32300 SH DEFINED 32,200 100
CONAGRA INC COMMON STOCK 205887102 270 11962 SH OTHER 11,562 200 200
CONCORD EFS INC COMMON STOCK 206197105 619 30000 SH DEFINED 30,000
CONEXANT SYS INC COMMON STOCK 207142100 603 8306 SH DEFINED 8,306
CONEXANT SYS INC COMMON STOCK 207142100 60 821 SH OTHER 821
CONOCO INC COMMON STOCK 208251405 1085 39600 SH DEFINED 39,400 200
CONOCO INC COMMON STOCK 208251405 74 2706 SH OTHER 2,706
CONSECO INC COMMON STOCK 208464107 2243 118072 SH DEFINED 114,947 3125
CONSECO INC COMMON STOCK 208464107 101 5312 SH OTHER 2,512 2,800
CONSOLIDATED EDISON INC COMMON STOCK 209115104 1517 36554 SH DEFINED 36,554
CONSOLIDATED EDISON INC COMMON STOCK 209115104 54 1300 SH OTHER 1,300
CONSOLIDATED NATURAL GAS CO COMMON STOCK 209615103 451 7233 SH DEFINED 7,177 56
CONSOLIDATED NATURAL GAS CO COMMON STOCK 209615103 25 400 SH OTHER 400
CONVERGYS CORP COMMON STOCK 212485106 317 16000 SH DEFINED 16,000
CONVERGYS CORP COMMON STOCK 212485106 3 160 SH OTHER 160
COOPER CAMERON CORP COMMON STOCK 216640102 522 13840 SH DEFINED 12,915 925
CORNING INC COMMON STOCK 219350105 3791 55288 SH DEFINED 54,075 1213
CORNING INC COMMON STOCK 219350105 257 3753 SH OTHER 3,353 400
COSTCO WHSL CORP COMMON STOCK 22160K105 821 11400 SH DEFINED 11,400
COSTCO WHSL CORP COMMON STOCK 22160K105 130 1800 SH OTHER 100 1700
DANA CORP COMMON STOCK 235811106 388 10446 SH DEFINED 10,446
DANA CORP COMMON STOCK 235811106 34 920 SH OTHER 920
DAYTON HUDSON CORP COMMON STOCK 239753106 1933 32180 SH DEFINED 32,180
DAYTON HUDSON CORP COMMON STOCK 239753106 366 6100 SH OTHER 6,000 100
DEERE & CO COMMON STOCK 244199105 696 17980 SH DEFINED 17,455 400 125
DEERE & CO COMMON STOCK 244199105 166 4300 SH OTHER 2,400 1,700 200
DELHAIZE AMER INC COMMON STOCK 246688204 558 24654 SH DEFINED 24,421 233
DELL COMPUTER CORP COMMON STOCK 247025109 13601 325281 SH DEFINED 309,256 16025
DELL COMPUTER CORP COMMON STOCK 247025109 869 20791 SH OTHER 16,991 3,800
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 776 48294 SH DEFINED 46,890 1404
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 164 10237 SH OTHER 8,990 1,247
DELTA AIR LINES INC COMMON STOCK 247361108 780 16078 SH DEFINED 16,078
DELTA AIR LINES INC COMMON STOCK 247361108 669 13800 SH OTHER 5,000 1,500 7300
DIAL CORP NEW COM COMMON STOCK 25247D101 6346 248851 SH DEFINED 215,421 500 32930
DIAL CORP NEW COM COMMON STOCK 25247D101 2158 84629 SH OTHER 41,475 1,400 41754
DIAMOND OFFSHORE DRILLNG INC COM COMMON STOCK 25271C102 422 12650 SH DEFINED 12,650
DILLARDS INC COMMON STOCK 254067101 268 13170 SH DEFINED 4,919 8251
DILLARDS INC COMMON STOCK 254067101 191 9400 SH OTHER 9,400
WALT DISNEY COMPANY COMMON STOCK 254687106 4610 177316 SH DEFINED 174,929 500 1887
WALT DISNEY COMPANY COMMON STOCK 254687106 1168 44912 SH OTHER 37,801 3,700 3411
DOLLAR TREE STORES INC COMMON STOCK 256747106 399 10000 SH DEFINED 10,000
DOMINION RES INC VA COMMON STOCK 257470104 1357 30066 SH DEFINED 30,012 54
DOMINION RES INC VA COMMON STOCK 257470104 14 300 SH OTHER 300
DOW CHEM CO COM COMMON STOCK 260543103 2578 22692 SH DEFINED 22,692
DOW CHEM CO COM COMMON STOCK 260543103 460 4046 SH OTHER 3,621 425
DREYFUS STRATEGIC MUNS INC MUTUAL FUND 261932107 408 51000 SH DEFINED 50,000 1000
DREYFUS STRATEGIC MUNS INC MUTUAL FUND 261932107 27 3400 SH OTHER 3,400
DREYFUS STRATEGIC MUN BD FD INC MUTUAL FUND 26202F107 427 52566 SH DEFINED 52,566
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 24810 410089 SH DEFINED 402,699 7390
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 3516 58118 SH OTHER 43,912 2,306 11900
DUFF & PHELPS UTILS INCOME,INC COMMON STOCK 264324104 119 12255 SH DEFINED 11,851 404
DUFF & PHELPS UTILS INCOME,INC COMMON STOCK 264324104 37 3840 SH OTHER 3,840
DUKE ENERGY CORP COMMON STOCK 264399106 5669 102835 SH DEFINED 100,894 1941
DUKE ENERGY CORP COMMON STOCK 264399106 451 8175 SH OTHER 7,612 250 313
DUN & BRADSTREET CORP DEL COMMON STOCK 26483B106 297 9938 SH DEFINED 8,438 1500
DUN & BRADSTREET CORP DEL COMMON STOCK 26483B106 21 700 SH OTHER 700
E M C CORP MASS COMMON STOCK 268648102 8493 118985 SH DEFINED 118,225 760
E M C CORP MASS COMMON STOCK 268648102 357 5000 SH OTHER 900 4100
E TRADE GROUP INC COMMON STOCK 269246104 728 30990 SH DEFINED 28,790 2200
EASTMAN KODAK CO COMMON STOCK 277461109 5439 71927 SH DEFINED 68,277 300 3350
EASTMAN KODAK CO COMMON STOCK 277461109 1076 14234 SH OTHER 11,585 2,649
EATON CORP COMMON STOCK 278058102 458 5310 SH DEFINED 5,310
EATON VANCE MUNICIPAL INCOME FD MUTUAL FUND 27826U108 423 33332 SH DEFINED 33,332
ECOLAB INC COMMON STOCK 278865100 1608 47112 SH DEFINED 1,600 45512
EDISON INTERNATIONAL COMMON STOCK 281020107 1412 58094 SH DEFINED 57,394 700
EDISON INTERNATIONAL COMMON STOCK 281020107 45 1844 SH OTHER 1,844
EL PASO ENERGY CORP DEL COMMON STOCK 283905107 147 3652 SH DEFINED 3,652
EL PASO ENERGY CORP DEL COMMON STOCK 283905107 74 1848 SH OTHER 1,848
ELECTRONIC ARTS COMMON STOCK 285512109 579 8000 SH DEFINED 8,000
ELECTRONIC ARTS COMMON STOCK 285512109 152 2100 SH OTHER 2100
ELECTRONIC DATA SYS CORP NEW COMMON STOCK 285661104 2200 41566 SH DEFINED 38,848 40 2678
ELECTRONIC DATA SYS CORP NEW COMMON STOCK 285661104 435 8208 SH OTHER 3,908 100 4200
EMERSON ELECTRIC CO COMMON STOCK 291011104 4768 75462 SH DEFINED 75,337 125
EMERSON ELECTRIC CO COMMON STOCK 291011104 711 11260 SH OTHER 8,260 1,200 1800
ENERGEN CORP COMMON STOCK 29265N108 201 9904 SH DEFINED 9,304 600
ENERGEN CORP COMMON STOCK 29265N108 217 10700 SH OTHER 6,700 4000
ENERGYSOUTH INC COMMON STOCK 292970100 1216 57233 SH DEFINED 50,668 6565
ENRON CORPORATION ORGEON COMMON STOCK 293561106 264 6428 SH DEFINED 5,428 1000
EQUITY INCOME FUND MUTUAL FUND 294700703 680 3458 SH DEFINED 3,458
EQUITY INCOME FUND MUTUAL FUND 294700703 20 100 SH OTHER 100
EXXON CORP COMMON STOCK 302290101 47433 624116 SH DEFINED 563,816 1,000 59300
EXXON CORP COMMON STOCK 302290101 10085 132695 SH OTHER 118,707 11,188 2800
FPL GROUP INC COMMON STOCK 302571104 2057 40830 SH DEFINED 40,564 16 250
FPL GROUP INC COMMON STOCK 302571104 98 1950 SH OTHER 1,250 400 300
FAMILY DOLLAR STORES INC COMMON STOCK 307000109 1371 64900 SH DEFINED 64,900
FAMILY DOLLAR STORES INC COMMON STOCK 307000109 32 1500 SH OTHER 1,500
FDX CORP COMMON STOCK 31304N107 2873 73896 SH DEFINED 35,300 38596
FDX CORP COMMON STOCK 31304N107 172 4429 SH OTHER 4,229 200
FEDERAL HOME LN MTG CORP COMMON STOCK 313400301 2208 42460 SH DEFINED 42,190 270
FEDERAL HOME LN MTG CORP COMMON STOCK 313400301 5 100 SH OTHER 100
FEDERAL NATIONAL MORTGAGE ASSN COMMON STOCK 313586109 15034 239821 SH DEFINED 237,051 100 2670
FEDERAL NATIONAL MORTGAGE ASSN COMMON STOCK 313586109 806 12850 SH OTHER 11,150 1,700
FEDERATED DEPT STORES INC NEW COMMON STOCK 31410H101 437 10000 SH DEFINED 10,000
FEDERATED DEPT STORES INC NEW COMMON STOCK 31410H101 9 200 SH OTHER 200
FIFTH THIRD BANCORP COMMON STOCK 316773100 772 12685 SH DEFINED 12,550 135
FIRST DATA CORP COMMON STOCK 319963104 1522 34690 SH DEFINED 34,165 525
FIRST DATA CORP COMMON STOCK 319963104 88 2010 SH OTHER 2,010
FIRST TENNESSEE NATIONAL CORP COMMON STOCK 337162101 506 18000 SH DEFINED 18,000
FIRST TENNESSEE NATIONAL CORP COMMON STOCK 337162101 169 5992 SH OTHER 5,992
FIRST UNION CORP COMMON STOCK 337358105 3186 89433 SH DEFINED 88,633 800
FIRST UNION CORP COMMON STOCK 337358105 186 5214 SH OTHER 4,114 1,100
FIRSTAR CORP NEW WIS COMMON STOCK 33763V109 7376 287857 SH DEFINED 287,857
FIRSTAR CORP NEW WIS COMMON STOCK 33763V109 18 684 SH OTHER 684
FLEET FINANCIAL GROUP, INC. COMMON STOCK 338915101 3837 104762 SH DEFINED 104,762
FLEET FINANCIAL GROUP, INC. COMMON STOCK 338915101 65 1784 SH OTHER 1,784
FLEMING COMPANIES INC COMMON STOCK 339130106 178 18150 SH DEFINED 18,150
FLEMING COMPANIES INC COMMON STOCK 339130106 95 9656 SH OTHER 9,656
FLORIDA PROGRESS CORP COMMON STOCK 341109106 2758 59639 SH DEFINED 59,639
FLORIDA PROGRESS CORP COMMON STOCK 341109106 103 2225 SH OTHER 2,050 75 100
FLORIDA ROCK INDS INC COMMON STOCK 341140101 169 4850 SH DEFINED 4,850
FLORIDA ROCK INDS INC COMMON STOCK 341140101 165 4749 SH OTHER 4,749
FORD MOTOR CO COMMON STOCK 345370100 5613 111710 SH DEFINED 102,523 9187
FORD MOTOR CO COMMON STOCK 345370100 381 7592 SH OTHER 7,592
FOREST LABS INC COMMON STOCK 345838106 674 16000 SH DEFINED 16,000
FORTUNE BRANDS INC COMMON STOCK 349631101 626 19407 SH DEFINED 19,167 240
FORTUNE BRANDS INC COMMON STOCK 349631101 142 4390 SH OTHER 4,390
GTE CORP COMMON STOCK 362320103 3374 43890 SH DEFINED 43,890
GTE CORP COMMON STOCK 362320103 479 6232 SH OTHER 3,782 1,000 1450
GALLAHER GROUP PLC FOREIGN STOCK 363595109 408 15022 SH DEFINED 15,022
GALLAHER GROUP PLC FOREIGN STOCK 363595109 92 3390 SH OTHER 3,390
GANNETT INC COMMON STOCK 364730101 4294 62063 SH DEFINED 58,233 3830
GANNETT INC COMMON STOCK 364730101 1237 17879 SH OTHER 16,879 1,000
GAP INC COMMON STOCK 364760108 2762 86320 SH DEFINED 84,345 1975
GAP INC COMMON STOCK 364760108 279 8725 SH OTHER 3,600 5125
GATEWAY INC COMMON STOCK 367626108 5027 114248 SH DEFINED 112,198 2050
GATEWAY INC COMMON STOCK 367626108 528 12000 SH OTHER 11,600 200 200
GENERAL DYNAMICS CORP COMMON STOCK 369550108 1186 19000 SH DEFINED 19,000
GENERAL ELECTRIC CO COMMON STOCK 369604103 119095 1004491 SH DEFINED 983,587 900 20004
GENERAL ELECTRIC CO COMMON STOCK 369604103 25471 214831 SH OTHER 188,511 4,500 21820
GENERAL MILLS INC COMMON STOCK 370334104 3910 48192 SH DEFINED 48,192
GENERAL MILLS INC COMMON STOCK 370334104 1067 13148 SH OTHER 9,715 3433
GENERAL MOTORS CORP COMMON STOCK 370442105 6687 106256 SH DEFINED 87,101 150 19005
GENERAL MOTORS CORP COMMON STOCK 370442105 944 14992 SH OTHER 14,392 600
GENUINE PARTS CO COMMON STOCK 372460105 3182 119806 SH DEFINED 106,356 13450
GENUINE PARTS CO COMMON STOCK 372460105 1163 43769 SH OTHER 26,919 1,700 15150
GEORGIA PAC CORP (GEORGIA PAC GR) COMMON STOCK 373298108 1312 32442 SH DEFINED 30,370 2,072
GEORGIA PAC CORP TIMBER GROUP COMMON STOCK 373298702 1283 56081 SH DEFINED 2,045 1,036 53000
GILLETTE CO COMMON STOCK 375766102 14392 424069 SH DEFINED 401,125 500 22444
GILLETTE CO COMMON STOCK 375766102 2491 73389 SH OTHER 62,389 1,900 9100
GLOBAL MARINE INC COMMON STOCK 379352404 419 25500 SH DEFINED 25,500
GLOBAL MARINE INC COMMON STOCK 379352404 164 10000 SH OTHER 10,000
GOODYEAR TIRE & RUBBER CO COMMON STOCK 382550101 1040 21618 SH DEFINED 20,668 950
GOODYEAR TIRE & RUBBER CO COMMON STOCK 382550101 83 1728 SH OTHER 1,728
GREAT LAKES CHEMICAL COMMON STOCK 390568103 228 6000 SH DEFINED 6,000
HALLIBURTON CO COMMON STOCK 406216101 5051 123185 SH DEFINED 119,365 3820
HALLIBURTON CO COMMON STOCK 406216101 399 9720 SH OTHER 7,220 2,000 500
HARTFORD FINL SVCS GROUP INC COMMON STOCK 416515104 605 14805 SH DEFINED 14,805
HEALTHSOUTH CORP COMMON STOCK 421924101 13 2150 SH DEFINED 2150
HEALTHSOUTH CORP COMMON STOCK 421924101 69 11270 SH OTHER 10,350 920
HEALTH MGMT ASSOC INC NEW COMMON STOCK 421933102 78 10000 SH DEFINED 10,000
HEINZ H J CO COMMON STOCK 423074103 4361 101416 SH DEFINED 100,966 450
HEINZ H J CO COMMON STOCK 423074103 1502 34925 SH OTHER 34,125 600 200
HERSHEY FOODS CORP COMMON STOCK 427866108 1275 26184 SH DEFINED 25,574 350 260
HERSHEY FOODS CORP COMMON STOCK 427866108 565 11605 SH OTHER 9,505 100 2000
HEWLETT PACKARD CO COMMON STOCK 428236103 7322 80685 SH DEFINED 79,585 1100
HEWLETT PACKARD CO COMMON STOCK 428236103 1842 20300 SH OTHER 15,400 1,000 3900
HIBERNIA CORP COMMON STOCK 428656102 292 25079 SH DEFINED 25,079
HIBERNIA CORP COMMON STOCK 428656102 6 500 SH OTHER 500
HILTON HOTELS COMMON STOCK 432848109 650 65872 SH DEFINED 6,872 59000
HOME DEPOT INC COMMON STOCK 437076102 22493 327765 SH DEFINED 324,046 3719
HOME DEPOT INC COMMON STOCK 437076102 2080 30311 SH OTHER 23,111 1,800 5400
HOMESTAKE MINING CO COMMON STOCK 437614100 126 13712 SH DEFINED 13,712
HONEYWELL INC COMMON STOCK 438506107 1749 15715 SH DEFINED 15,600 115
HONEYWELL INC COMMON STOCK 438506107 118 1060 SH OTHER 1,060
HOST MARRIOTT CORP NEW COMMON STOCK 44107P104 864 90964 SH DEFINED 3,831 87133
HOUSEHOLD INTERNATIONAL CORP COMMON STOCK 441815107 1528 38093 SH DEFINED 37,643 450
HOUSEHOLD INTERNATIONAL CORP COMMON STOCK 441815107 355 8845 SH OTHER 7,926 460 459
HUMAN GENOME SCIENCES INC COMMON STOCK 444903108 2360 32000 SH DEFINED 32,000
ICN PHARMACEUTICALS INC NEW COMMON STOCK 448924100 779 45350 SH DEFINED 44,000 1350
ICOS CORP COMMON STOCK 449295104 1062 36000 SH DEFINED 36,000
IDEC PHARMACEUTICALS CORP COMMON STOCK 449370105 1504 16000 SH DEFINED 16,000
IMS HEALTH INC COMMON STOCK 449934108 193 8480 SH DEFINED 8,480
IMS HEALTH INC COMMON STOCK 449934108 37 1600 SH OTHER 1600
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 4166 55870 SH DEFINED 55,610 260
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 89 1200 SH OTHER 1,200
INACOM CORP COMMON STOCK 45323G109 724 78823 SH DEFINED 78,823
INFORMIX CORP COMMON STOCK 456779107 143 18000 SH DEFINED 18,000
INGERSOLL RAND CO COMMON STOCK 456866102 2835 51600 SH DEFINED 51,600
INSURED MUNICIPAL INCOME FUND MUTUAL FUND 45809F104 565 45000 SH DEFINED 45,000
INTEL CORP COMMON STOCK 458140100 57213 769893 SH DEFINED 736,269 400 33224
INTEL CORP COMMON STOCK 458140100 10476 140973 SH OTHER 105,573 5,000 30400
INTERGRAPH CORP COMMON STOCK 458683109 232 41250 SH DEFINED 40,250 1000
INTERGRAPH CORP COMMON STOCK 458683109 20 3500 SH OTHER 3,500
INTERNATIONAL BUSINESS MACHINES CORP COMMON STOCK 459200101 43065 355904 SH DEFINED 347,770 8134
INTERNATIONAL BUSINESS MACHINES CORP COMMON STOCK 459200101 11502 95060 SH OTHER 46,060 4,200 44800
INTL FLAVORS & FRAGRANCES INC COMMON STOCK 459506101 1134 32880 SH DEFINED 23,380 9500
INTL FLAVORS & FRAGRANCES INC COMMON STOCK 459506101 259 7497 SH OTHER 7,197 300
INTERNATIONAL GAME TECHNOLOGY COMMON STOCK 459902102 180 10000 SH DEFINED 10,000
INTERNATIONAL PAPER CO COMMON STOCK 460146103 7532 156716 SH DEFINED 153,817 300 2599
INTERNATIONAL PAPER CO COMMON STOCK 460146103 1621 33723 SH OTHER 33,723
INVESTMENT GRADE MUNICIPAL INCOME MUTUAL FUND 461368102 139 10000 SH DEFINED 10,000
IPALCO ENTERPRISES INC COMMON STOCK 462613100 284 14600 SH DEFINED 14,600
IPALCO ENTERPRISES INC COMMON STOCK 462613100 29 1502 SH OTHER 1,502
JABIL CIRCUIT INC COMMON STOCK 466313103 792 16000 SH DEFINED 16,000
JEFFERSON PILOT CORP COMMON STOCK 475070108 11009 174235 SH DEFINED 160,654 13581
JEFFERSON PILOT CORP COMMON STOCK 475070108 4131 65383 SH OTHER 39,965 2,918 22500
JOHNSON & JOHNSON COMMON STOCK 478160104 42517 462775 SH DEFINED 449,138 300 13337
JOHNSON & JOHNSON COMMON STOCK 478160104 2850 31024 SH OTHER 22,024 2,100 6900
K MART CORP COMMON STOCK 482584109 285 24425 SH DEFINED 24,000 425
K MART CORP COMMON STOCK 482584109 7 600 SH OTHER 600
KAYDON CORP COMMON STOCK 486587108 75 3000 SH DEFINED 3,000
KAYDON CORP COMMON STOCK 486587108 234 9400 SH OTHER 9,400
KELLOGG CO COMMON STOCK 487836108 1330 35520 SH DEFINED 35,270 250
KELLOGG CO COMMON STOCK 487836108 389 10400 SH OTHER 4,800 5600
KEMPER MUN INCOME TR MUTUAL FUND 48842C104 352 32185 SH DEFINED 31,000 1185
KEYCORP NEW COMMON STOCK 493267108 1243 48137 SH DEFINED 48,137
KEYCORP NEW COMMON STOCK 493267108 8 300 SH OTHER 300
KIMBERLY CLARK CORP COMMON STOCK 494368103 11242 213125 SH DEFINED 198,915 14210
KIMBERLY CLARK CORP COMMON STOCK 494368103 3892 73783 SH OTHER 60,483 3,300 10000
KNIGHT RIDDER INC COMMON STOCK 499040103 1837 33398 SH DEFINED 33398
KONINKLIJKE PHILIPS ELECTRS FOREIGN STOCK 500472204 465 4600 SH DEFINED 4600
LG AND E ENERGY CORP COMMON STOCK 501917108 499 23501 SH DEFINED 23,501
LG AND E ENERGY CORP COMMON STOCK 501917108 11 500 SH OTHER 500
LEGGETT & PLATT INC COMMON STOCK 524660107 315 16000 SH DEFINED 16,000
LEGGETT & PLATT INC COMMON STOCK 524660107 35 1800 SH OTHER 1,800
LEXMARK INTL GROUP INC COMMON STOCK 529771107 805 10000 SH DEFINED 10,000
LILLY ELI & CO COMMON STOCK 532457108 10749 167457 SH DEFINED 166,797 660
LILLY ELI & CO COMMON STOCK 532457108 2651 41298 SH OTHER 38,798 1,700 800
LIMITED INC COMMON STOCK 532716107 546 14271 SH DEFINED 14,271
LIMITED INC COMMON STOCK 532716107 19 500 SH OTHER 500
LINCOLN NATIONAL CORP IND COMMON STOCK 534187109 771 20525 SH DEFINED 20,325 200
LINEAR TECHNOLOGY CORP COMMON STOCK 535678106 1411 24000 SH DEFINED 24,000
LOCKHEED MARTIN CORP COMMON STOCK 539830109 1427 43648 SH DEFINED 43,548 100
LOCKHEED MARTIN CORP COMMON STOCK 539830109 42 1300 SH OTHER 1,300
LOEWS CORP COMMON STOCK 540424108 632 9000 SH OTHER 9,000
LOWES COS INC COMMON STOCK 548661107 648 13300 SH DEFINED 13,300
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 59905 923400 SH DEFINED 884,799 560 38041
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 12796 197242 SH OTHER 146,814 4,696 45732
LUFKIN INDUSTRIES INCORPORATED COMMON STOCK 549764108 129 8480 SH DEFINED 8,480
LUFKIN INDUSTRIES INCORPORATED COMMON STOCK 549764108 561 36765 SH OTHER 36,765
MBNA CORP COMMON STOCK 55262L100 1526 66893 SH DEFINED 66,093 800
MBNA CORP COMMON STOCK 55262L100 6 280 SH OTHER 280
MCI WORLDCOM INC COMMON STOCK 55268B106 38986 542418 SH DEFINED 516,545 250 25623
MCI WORLDCOM INC COMMON STOCK 55268B106 4192 58325 SH OTHER 40,975 2,000 15350
MFS MULTIMARKET INCOME TRUST MUTUAL FUND 552737108 62 10250 SH DEFINED 10,250
MFS MULTIMARKET INCOME TRUST MUTUAL FUND 552737108 4 600 SH OTHER 600
MFS GOVT MKTS INCOME TR MUTUAL FUND 552939100 97 15760 SH DEFINED 15,760
MFS GOVT MKTS INCOME TR MUTUAL FUND 552939100 2 300 SH OTHER 300
MARSH & MCLENNAN COS INC COMMON STOCK 571748102 1192 17395 SH DEFINED 16,895 500
MARSH & MCLENNAN COS INC COMMON STOCK 571748102 606 8850 SH OTHER 8,850
MARRIOTT INTL INC NEW COMMON STOCK 571903202 1667 51000 SH DEFINED 12,000 39000
MARRIOTT INTL INC NEW COMMON STOCK 571903202 212 6500 SH OTHER 200 6300
MASCO CORP COMMON STOCK 574599106 1476 47625 SH DEFINED 47,625
MASCO CORP COMMON STOCK 574599106 81 2600 SH OTHER 2,600
MATTEL, INC. COMMON STOCK 577081102 479 25201 SH DEFINED 24,851 350
MATTEL, INC. COMMON STOCK 577081102 8 440 SH OTHER 440
MAXIM INTEGRATED PRODS INC COMMON STOCK 57772K101 1262 20000 SH DEFINED 20,000
MAY DEPT STORES CO COMMON STOCK 577778103 706 19376 SH DEFINED 19,376
MAY DEPT STORES CO COMMON STOCK 577778103 118 3234 SH OTHER 3,234
MAYTAG CORP COMMON STOCK 578592107 25353 761055 SH DEFINED 761,055
MAYTAG CORP COMMON STOCK 578592107 67 2000 SH OTHER 2,000
MCCORMICK & CO INC COMMON STOCK COMMON STOCK 579780206 769 23264 SH DEFINED 23,264
MCCORMICK & CO INC COMMON STOCK COMMON STOCK 579780206 29 888 SH OTHER 888
MCDONALDS CORP COMMON STOCK 580135101 9277 214501 SH DEFINED 211,601 500 2400
MCDONALDS CORP COMMON STOCK 580135101 3198 73946 SH OTHER 65,346 8600
MCGRAW-HILL COMPANIES INC NEW COMMON STOCK 580645109 759 15680 SH DEFINED 14,880 800
MCGRAW-HILL COMPANIES INC NEW COMMON STOCK 580645109 387 8000 SH OTHER 8,000
MCKESSON HBOC INC COMMON STOCK 58155Q103 109 3768 SH DEFINED 3,768
MCKESSON HBOC INC COMMON STOCK 58155Q103 102 3531 SH OTHER 3,531
MEAD CORP COMMON STOCK 582834107 3290 95715 SH DEFINED 94,583 1132
MEAD CORP COMMON STOCK 582834107 2969 86363 SH OTHER 36,528 1,600 48235
MEDIAONE GROUP INC COMMON STOCK 58440J104 2896 42398 SH DEFINED 41,498 900
MEDIAONE GROUP INC COMMON STOCK 58440J104 258 3770 SH OTHER 3,156 614
MEDICAL ASSURN INC COMMON STOCK 58449U100 629 25108 SH DEFINED 22,164 2944
MEDICAL ASSURN INC COMMON STOCK 58449U100 40 1581 SH OTHER 1,556 25
MEDICIS PHARMACEUTICAL CORP COMMON STOCK 584690309 228 8000 SH DEFINED 8,000
MEDIMMUNE INC COMMON STOCK 584699102 1395 14000 SH DEFINED 14,000
MEDTRONIC INC COMMON STOCK 585055106 6024 169400 SH DEFINED 169,000 400
MEDTRONIC INC COMMON STOCK 585055106 263 7400 SH OTHER 2,200 5200
MERCK & CO INC COMMON STOCK 589331107 43631 673190 SH DEFINED 656,798 400 15992
MERCK & CO INC COMMON STOCK 589331107 10743 165762 SH OTHER 139,462 2,900 23400
MERRILL LYNCH & CO INC COMMON STOCK 590188108 1498 22240 SH DEFINED 21,640 600
MERRILL LYNCH & CO INC COMMON STOCK 590188108 57 850 SH OTHER 50 800
MICROSOFT CORP COMMON STOCK 594918104 85425 943268 SH DEFINED 917,346 25922
MICROSOFT CORP COMMON STOCK 594918104 5087 56171 SH OTHER 46,271 2,000 7900
MICRON TECHNOLOGY INC COMMON STOCK 595112103 1095 16465 SH DEFINED 16,265 200
MINNESOTA MINING & MANUFACTURING CO COMMON STOCK 604059105 4697 48900 SH DEFINED 47,250 1650
MINNESOTA MINING & MANUFACTURING CO COMMON STOCK 604059105 1897 19749 SH OTHER 17,250 1,699 800
MOBIL CORP COMMON STOCK 607059102 19114 189719 SH DEFINED 180,541 300 8878
MOBIL CORP COMMON STOCK 607059102 4030 40001 SH OTHER 38,371 500 1130
MOLEX INC COMMON STOCK 608554101 364 10000 SH DEFINED 10,000
MONSANTO CO COMMON STOCK 611662107 3747 105005 SH DEFINED 95,160 9845
MONSANTO CO COMMON STOCK 611662107 1402 39294 SH OTHER 32,219 1,000 6075
MORGAN J P & CO INC COMMON STOCK 616880100 2544 22269 SH DEFINED 21,569 700
MORGAN J P & CO INC COMMON STOCK 616880100 672 5881 SH OTHER 2,667 3,214
MORGAN STANLEY DEAN WITTER & CO COMMON STOCK 617446448 5658 63437 SH DEFINED 63,337 100
MORGAN STANLEY DEAN WITTER & CO COMMON STOCK 617446448 405 4536 SH OTHER 4,536
MORRISON MGMT SPECIALISTS IN COMMON STOCK 618459101 1016 45174 SH DEFINED 44,474 700
MORRISON MGMT SPECIALISTS IN COMMON STOCK 618459101 523 23252 SH OTHER 20,752 2500
MOTOROLA INC COMMON STOCK 620076109 6674 75835 SH DEFINED 75,435 400
MOTOROLA INC COMMON STOCK 620076109 1566 17800 SH OTHER 17,100 700
MURPHY OIL CORP COMMON STOCK 626717102 184 3400 SH DEFINED 3,400
MURPHY OIL CORP COMMON STOCK 626717102 293 5412 SH OTHER 5,412
MYLAN LABORATORIES INC COMMON STOCK 628530107 369 20100 SH DEFINED 20,100
NABISCO GROUP HLDG CORP COMMON STOCK 62952P102 811 54037 SH DEFINED 54,037
NABISCO GROUP HLDG CORP COMMON STOCK 62952P102 5 300 SH OTHER 300
NABISCO HLDGS CORP COMMON STOCK 629526104 1106 32000 SH DEFINED 32000
NATIONAL CITY CORP COMMON STOCK 635405103 1006 37682 SH DEFINED 37,682
NATIONAL FUEL GAS CO N J COMMON STOCK 636180101 125 2658 SH DEFINED 2,658
NATIONAL FUEL GAS CO N J COMMON STOCK 636180101 164 3485 SH OTHER 3,008 477
NATIONAL WESTMINISTER BANK FOREIGN STOCK 638539403 248 1784 SH OTHER 1,784
NETWORKS ASSOCS INC COMMON STOCK 640938106 344 18000 SH OTHER 18,000
NETWORK APPLIANCE INC COMMON STOCK 64120L104 458 6400 SH DEFINED 6,400
NEWELL RUBBERMAID INC COMMON STOCK 651229106 352 12312 SH DEFINED 12,112 200
NEWELL RUBBERMAID INC COMMON STOCK 651229106 119 4183 SH OTHER 283 3900
NEWMONT MINING CORP COMMON STOCK 651639106 736 28437 SH DEFINED 28,437
NEWMONT MINING CORP COMMON STOCK 651639106 5 188 SH OTHER 188
NICHOLS RESEARCH CORP COMMON STOCK 653818104 20 750 SH DEFINED 750
NICHOLS RESEARCH CORP COMMON STOCK 653818104 194 7300 SH OTHER 7,300
NICOR INC COMMON STOCK 654086107 208 5602 SH DEFINED 5,202 400
NICOR INC COMMON STOCK 654086107 20 550 SH OTHER 550
NIKE INC CL B COMMON STOCK 654106103 1012 17801 SH DEFINED 17,801
NIKE INC CL B COMMON STOCK 654106103 40 700 SH OTHER 300 400
NORDSTROM INC COMMON STOCK 655664100 820 30380 SH DEFINED 29,930 450
NORDSTROM INC COMMON STOCK 655664100 8 300 SH OTHER 300
NORFOLK SOUTHERN CORPORATION COMMON STOCK 655844108 889 36281 SH DEFINED 36,281
NORFOLK SOUTHERN CORPORATION COMMON STOCK 655844108 693 28289 SH OTHER 25,289 3000
NORTEL NETWORKS CORP COMMON STOCK 656569100 12735 249715 SH DEFINED 248,475 1240
NORTEL NETWORKS CORP COMMON STOCK 656569100 87 1710 SH OTHER 1,710
NORTH FORK BANCORP INC N Y COMMON STOCK 659424105 390 20000 SH DEFINED 20,000
NORTHERN TRUST CORP COMMON STOCK 665859104 614 7350 SH DEFINED 6,050 1300
NOVELL INC COMMON STOCK 670006105 352 17000 SH DEFINED 17,000
NOVELL INC COMMON STOCK 670006105 2 100 SH OTHER 100
NUCOR CORP COMMON STOCK 670346105 228 4787 SH DEFINED 3,987 800
NUCOR CORP COMMON STOCK 670346105 114 2400 SH OTHER 1,600 800
NUVEEN PERFORMANCE PLUS MUN FD INC MUTUAL FUND 67062P108 163 12650 SH DEFINED 12,650
NUVEEN PERFORMANCE PLUS MUN FD INC MUTUAL FUND 67062P108 15 1202 SH OTHER 1,202
NUVEEN MUN VALUE FD INC MUTUAL FUND 670928100 174 20608 SH DEFINED 20,608
NUVEEN MUN VALUE FD INC MUTUAL FUND 670928100 22 2666 SH OTHER 2,666
NUVEEN TEX QUAL INCM MUN FD MUTUAL FUND 670983105 703 49800 SH DEFINED 49,800
OCCIDENTAL PETE CORP COMMON STOCK 674599105 478 20662 SH DEFINED 20,662
OLD KENT FINL CORP COMMON STOCK 679833103 546 14700 SH DEFINED 14,700
OLD REPUBLIC INTL CORP COMMON STOCK 680223104 75 5200 SH DEFINED 5,200
OLD REPUBLIC INTL CORP COMMON STOCK 680223104 1255 86944 SH OTHER 86,944
ORACLE CORPORATION COMMON STOCK 68389X105 10307 226519 SH DEFINED 222,604 225 3690
ORACLE CORPORATION COMMON STOCK 68389X105 861 18927 SH OTHER 6,505 5,175 7247
OUTBACK STEAKHOUSE INC COMMON STOCK 689899102 255 10000 SH DEFINED 10,000
PG&E CORP COMMON STOCK 69331C108 1609 62174 SH DEFINED 62,174
PG&E CORP COMMON STOCK 69331C108 72 2773 SH OTHER 2,723 50
PE CORP COMMON STOCK 69332S102 202 2800 SH DEFINED 2,800
PE CORP COMMON STOCK 69332S102 173 2400 SH OTHER 2,400
PNC BANK CORPORATION COMMON STOCK 693475105 801 15200 SH DEFINED 15,200
PNC BANK CORPORATION COMMON STOCK 693475105 167 3170 SH OTHER 400 2,375 395
PPG INDUSTRIES INC COMMON STOCK 693506107 1172 19526 SH DEFINED 19,376 150
PPG INDUSTRIES INC COMMON STOCK 693506107 588 9800 SH OTHER 9,800
PACCAR INC COMMON STOCK 693718108 69 1350 SH DEFINED 1,350
PACCAR INC COMMON STOCK 693718108 132 2604 SH OTHER 2,604
PARK PL ENTMT CORP COMMON STOCK 700690100 119 9544 SH DEFINED 9,544
PARK PL ENTMT CORP COMMON STOCK 700690100 13 1000 SH OTHER 1,000
PARKER HANNIFIN CORP COMMON STOCK 701094104 247 5515 SH DEFINED 5,515
PENNEY J C INC COMMON STOCK 708160106 685 19864 SH DEFINED 19,335 529
PENNEY J C INC COMMON STOCK 708160106 66 1913 SH OTHER 1,913
PEPSICO INC COMMON STOCK 713448108 12520 410499 SH DEFINED 404,704 5795
PEPSICO INC COMMON STOCK 713448108 1158 37973 SH OTHER 33,470 2,300 2203
PHARMACIA & UPJOHN INC COMMON STOCK 716941109 1387 27950 SH DEFINED 27,159 791
PHARMACIA & UPJOHN INC COMMON STOCK 716941109 211 4250 SH OTHER 4,250
PFIZER INC COMMON STOCK 717081103 32373 902392 SH DEFINED 871,728 30664
PFIZER INC COMMON STOCK 717081103 3056 85175 SH OTHER 60,075 1,800 23300
PHELPS DODGE CORP COMMON STOCK 717265102 1034 18775 SH DEFINED 18,725 50
PHELPS DODGE CORP COMMON STOCK 717265102 17 300 SH OTHER 300
PHILIP MORRIS COS INC COMMON STOCK 718154107 12784 373938 SH DEFINED 370,515 1,400 2023
PHILIP MORRIS COS INC COMMON STOCK 718154107 2618 76564 SH OTHER 68,464 5,100 3000
PHILLIPS PETE CO COMMON STOCK 718507106 1285 26360 SH DEFINED 26,360
PHILLIPS PETE CO COMMON STOCK 718507106 45 930 SH OTHER 930
PIONEER HI BRED INTL INC COMMON STOCK 723686101 214 5400 SH DEFINED 2,700 2700
PIONEER NATURAL RESOURCES COMPANY COMMON STOCK 723787107 574 54010 SH DEFINED 10 54000
PITNEY BOWES INC COMMON STOCK 724479100 3964 65050 SH DEFINED 64,550 500
PITNEY BOWES INC COMMON STOCK 724479100 792 13000 SH OTHER 13,000
PITNEY BOWES INC COMMON STOCK 724479308 1556 1945 SH DEFINED 1,945
PITNEY BOWES INC COMMON STOCK 724479308 40 50 SH OTHER 50
PRECISION STD INC COMMON STOCK 740327200 81 10000 SH DEFINED 10000
PRICE T ROWE ASSOC INC COMMON STOCK 741477103 439 16000 SH DEFINED 16,000
PROCTER & GAMBLE CO COMMON STOCK 742718109 43818 467388 SH DEFINED 461,873 300 5215
PROCTER & GAMBLE CO COMMON STOCK 742718109 6860 73174 SH OTHER 49,274 3,900 20000
PROGRESSIVE CORP OHIO COMMON STOCK 743315103 286 3500 SH DEFINED 3,500
PROTECTIVE LIFE CORP COMMON STOCK 743674103 2148 74071 SH DEFINED 72,971 1100
PROTECTIVE LIFE CORP COMMON STOCK 743674103 8646 298131 SH OTHER 296,375 1,100 656
PROVIDIAN FINL CORP COMMON STOCK 74406A102 1030 13011 SH DEFINED 13,011
PROVIDIAN FINL CORP COMMON STOCK 74406A102 821 10370 SH OTHER 10,370
PUBLIC SVC ENTERPRISE GROUP INC COMMON STOCK 744573106 1205 31199 SH DEFINED 31,199
PUBLIC SVC ENTERPRISE GROUP INC COMMON STOCK 744573106 33 844 SH OTHER 94 750
PUTNAM INVT GRADE MUN TR MUTUAL FUND 746805100 386 31000 SH DEFINED 31,000
PUTNAM MANAGED MUN INCOME TR MUTUAL FUND 746823103 432 42949 SH DEFINED 41,500 1449
QUAKER OATS CO COMMON STOCK 747402105 849 13719 SH DEFINED 10,919 2800
QUAKER OATS CO COMMON STOCK 747402105 429 6931 SH OTHER 6,035 896
QUALCOMM INC COMMON STOCK 747525103 1750 9250 SH DEFINED 9,250
QUESTAR CORP COMMON STOCK 748356102 178 9800 SH DEFINED 9,800
QUESTAR CORP COMMON STOCK 748356102 18 1000 SH OTHER 1,000
QUINTILES TRANSNATIONAL CORP COMMON STOCK 748767100 190 10000 SH DEFINED 10,000
QUINTILES TRANSNATIONAL CORP COMMON STOCK 748767100 4 233 SH OTHER 233
QWEST COMM INTL INC SAL 14 COMMON STOCK 749121109 4083 138129 SH DEFINED 110,879 27250
QWEST COMM INTL INC SAL 14 COMMON STOCK 749121109 114 3870 SH OTHER 2,670 1,200
RATIONAL SOFTWARE CORP COMMON STOCK 75409P202 527 18000 SH DEFINED 18,000
RAYTHEON CO CL B COMMON STOCK 755111408 2382 48010 SH DEFINED 48,010
RAYTHEON CO CL B COMMON STOCK 755111408 71 1430 SH OTHER 630 800
REGIONS FINANCIAL CORP COMMON STOCK 758940100 141650 4721678 SH DEFINED 3,927,810 11,495 782373
REGIONS FINANCIAL CORP COMMON STOCK 758940100 66557 2218554 SH OTHER 1,725,890 65,058 427606
RELIANT ENERGY INC COMMON STOCK 75952J108 1423 52581 SH DEFINED 52,364 217
RELIANT ENERGY INC COMMON STOCK 75952J108 173 6396 SH OTHER 1,900 4,496
RITE AID CORP COMMON STOCK 767754104 475 34408 SH DEFINED 32,608 1800
RITE AID CORP COMMON STOCK 767754104 19 1400 SH OTHER 600 800
ROCKWELL INTL CORP NEW COMMON STOCK 773903109 1413 26912 SH DEFINED 26,912
ROCKWELL INTL CORP NEW COMMON STOCK 773903109 86 1642 SH OTHER 1,642
ROSS STORES INC COMMON STOCK 778296103 282 14000 SH DEFINED 14,000
ROYAL DUTCH PETROLEUM COMPANY FOREIGN STOCK 780257804 11493 194589 SH DEFINED 194,289 300
ROYAL DUTCH PETROLEUM COMPANY FOREIGN STOCK 780257804 1346 22784 SH OTHER 19,784 3,000
RUBY TUESDAY INC COMMON STOCK 781182100 3775 193575 SH DEFINED 193,163 412
RUBY TUESDAY INC COMMON STOCK 781182100 1048 53756 SH OTHER 48,756 5000
RUSSELL CORP COMMON STOCK 782352108 84 5945 SH DEFINED 5,945
RUSSELL CORP COMMON STOCK 782352108 1089 76772 SH OTHER 14,100 62672
SBC COMMUNICATIONS INC NEW COMMON STOCK 78387G103 22452 439695 SH DEFINED 428,580 450 10665
SBC COMMUNICATIONS INC NEW COMMON STOCK 78387G103 2186 42806 SH OTHER 36,288 5,718 800
SCI SYSTEMS INC COMMON STOCK 783890106 134 3025 SH DEFINED 3,025
SCI SYSTEMS INC COMMON STOCK 783890106 89 2000 SH OTHER 2,000
SPDR TR MUTUAL FUND 78462F103 4506 35000 SH DEFINED 35,000
SPDR TR MUTUAL FUND 78462F103 258 2000 SH OTHER 2,000
SABINE ROYALTY TRUST INTEREST MUTUAL FUND 785688102 146 10010 SH DEFINED 10,010
SABINE ROYALTY TRUST INTEREST MUTUAL FUND 785688102 29 2000 SH OTHER 2,000
ST PAUL COS INC COMMON STOCK 792860108 307 11146 SH DEFINED 11,146
ST PAUL COS INC COMMON STOCK 792860108 125 4548 SH OTHER 4,548
SANMINA CORP COMMON STOCK 800907107 774 10000 SH DEFINED 10,000
SARA LEE CORP COMMON STOCK 803111103 4298 183869 SH DEFINED 183,469 400
SARA LEE CORP COMMON STOCK 803111103 168 7200 SH OTHER 7,200
SCANA CORP COMMON STOCK 805898103 1255 51896 SH DEFINED 51,054 842
SCANA CORP COMMON STOCK 805898103 237 9809 SH OTHER 9,665 100 44
SCHERING-PLOUGH CORP COMMON STOCK 806605101 19035 436340 SH DEFINED 418,280 18060
SCHERING-PLOUGH CORP COMMON STOCK 806605101 1375 31510 SH OTHER 22,890 8,620
SCHLUMBERGER LTD COMMON STOCK 806857108 10071 161620 SH DEFINED 143,835 17785
SCHLUMBERGER LTD COMMON STOCK 806857108 1283 20590 SH OTHER 18,790 500 1300
SEAGRAM LTD COMMON STOCK 811850106 1229 27000 SH DEFINED 27,000
SEAGRAM LTD COMMON STOCK 811850106 218 4800 SH OTHER 4,800
SEARS ROEBUCK & CO COMMON STOCK 812387108 1128 35947 SH DEFINED 35,947
SEARS ROEBUCK & CO COMMON STOCK 812387108 223 7116 SH OTHER 4,741 2,375
SEPRACOR INC COMMON STOCK 817315104 755 10000 SH DEFINED 10,000
SERVICEMASTER CO COMMON STOCK 81760N109 395 24611 SH DEFINED 24,611
SHELL TRANS & TRADING PLC SH NEW FOREIGN STOCK 822703609 177 3900 SH DEFINED 3,675 225
SHELL TRANS & TRADING PLC SH NEW FOREIGN STOCK 822703609 437 9600 SH OTHER 9,600
SIEBEL SYS INC COMMON STOCK 826170102 206 3090 SH DEFINED 3,000 90
SMITHKLINE BEECHAM P L C FOREIGN STOCK 832378301 821 14240 SH DEFINED 14,200 40
SMITHKLINE BEECHAM P L C FOREIGN STOCK 832378301 20 340 SH OTHER 90 250
SNAP-ON INC COMMON STOCK 833034101 192 5900 SH DEFINED 5,550 350
SNAP-ON INC COMMON STOCK 833034101 59 1800 SH OTHER 1,800
SOLECTRON CORP COMMON STOCK 834182107 201 2800 SH OTHER 2800
SONAT INC COMMON STOCK 835415100 358 9014 SH DEFINED 5,714 3300
SONAT INC COMMON STOCK 835415100 271 6839 SH OTHER 6,839
SONOCO PRODUCTS CO COMMON STOCK 835495102 105 4620 SH DEFINED 4,620
SONOCO PRODUCTS CO COMMON STOCK 835495102 802 35162 SH OTHER 462 34,700
SOUTH ALABAMA BANCORPORATION INC COMMON STOCK 836234104 297 19955 SH DEFINED 19,955
SOUTHERN CO COMMON STOCK 842587107 10566 410328 SH DEFINED 399,851 308 10169
SOUTHERN CO COMMON STOCK 842587107 2323 90221 SH OTHER 74,572 3,779 11870
SOUTHTRUST CORP COMMON STOCK 844730101 5398 150481 SH DEFINED 142,922 435 7124
SOUTHTRUST CORP COMMON STOCK 844730101 4494 125282 SH OTHER 112,860 401 12021
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 1273 83812 SH DEFINED 81,547 2265
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 102 6725 SH OTHER 4,125 2,600
SOUTHWESTERN ENERGY CO COMMON STOCK 845467109 114 12536 SH OTHER 1,536 11,000
SOVEREIGN BANCORP INC COMMON STOCK 845905108 218 24000 SH DEFINED 24,000
SPRINT CORP (FON GROUP) COMMON STOCK 852061100 10612 195607 SH DEFINED 195,607
SPRINT CORP (FON GROUP) COMMON STOCK 852061100 537 9898 SH OTHER 9,762 136
SPRINT CORP COMMON STOCK 852061506 4901 65731 SH DEFINED 65,731
SPRINT CORP COMMON STOCK 852061506 133 1781 SH OTHER 1,747 34
STARBUCKS CORP COMMON STOCK 855244109 396 16000 SH DEFINED 16,000
STATE STR CORP COMMON STOCK 857477103 808 12500 SH DEFINED 12,500
STATE STR CORP COMMON STOCK 857477103 517 8000 SH OTHER 8,000
STERLING BANCSHARES INC COMMON STOCK 858907108 490 42822 SH DEFINED 42,822
STEWART ENTERPRISES A COMMON STOCK 860370105 99 16264 SH DEFINED 16,264
STRIDE RITE CORP COMMON STOCK 863314100 74 10600 SH DEFINED 10,600
SUN MICROSYSTEMS INC COMMON STOCK 866810104 17775 191130 SH DEFINED 185,890 5240
SUN MICROSYSTEMS INC COMMON STOCK 866810104 1114 11975 SH OTHER 8,975 3,000
SUNTRUST BANKS INC COMMON STOCK 867914103 5724 87060 SH DEFINED 43,140 43920
SUNTRUST BANKS INC COMMON STOCK 867914103 1224 18614 SH OTHER 17,714 900
SYMBOL TECHNOLOGIES INC COMMON STOCK 871508107 404 12000 SH DEFINED 12,000
SYNOPSYS INC COMMON STOCK 871607107 898 16000 SH DEFINED 16,000
SYNOVUS FINANCIAL CORP COMMON STOCK 87161C105 1489 79680 SH DEFINED 54,409 450 24821
SYNOVUS FINANCIAL CORP COMMON STOCK 87161C105 4138 221448 SH OTHER 217,528 505 3415
SYSCO CORP COMMON STOCK 871829107 2494 71125 SH DEFINED 68,295 2830
SYSCO CORP COMMON STOCK 871829107 498 14200 SH OTHER 13,800 400
TCBY ENTERPRISES INC COMMON STOCK 872245105 1641 359667 SH DEFINED 3,350 356317
TECO ENERGY INC COMMON STOCK 872375100 354 16740 SH DEFINED 16,740
TECO ENERGY INC COMMON STOCK 872375100 439 20784 SH OTHER 18,648 2,136
TRW INC COMMON STOCK 872649108 934 18766 SH DEFINED 18,641 125
TRW INC COMMON STOCK 872649108 30 600 SH OTHER 600
TANDY CORP COMMON STOCK 875382103 575 11130 SH DEFINED 11,130
TANDY CORP COMMON STOCK 875382103 351 6800 SH OTHER 6,800
TELEFONICA S. A. FOREIGN STOCK 879382208 506 10545 SH DEFINED 10,545
TELEPHONE & DATA SYS INC COMMON STOCK 879433100 15806 177975 SH DEFINED 177975
TELLABS INC COMMON STOCK 879664100 12855 225765 SH DEFINED 225,285 480
TELLABS INC COMMON STOCK 879664100 168 2950 SH OTHER 250 2700
TERADYNE INC COMMON STOCK 880770102 564 16000 SH DEFINED 16,000
TEXACO INC COMMON STOCK 881694103 11851 187747 SH DEFINED 177,279 1,438 9030
TEXACO INC COMMON STOCK 881694103 825 13074 SH OTHER 10,432 1,850 792
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 9457 114984 SH DEFINED 114,984
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 674 8200 SH OTHER 8,000 200
TEXAS UTILITIES CO COMMON STOCK 882848104 1821 48800 SH DEFINED 48,784 16
TEXAS UTILITIES CO COMMON STOCK 882848104 156 4177 SH OTHER 2,901 1276
TEXTRON INC COMMON STOCK 883203101 596 7700 SH DEFINED 7,700
TEXTRON INC COMMON STOCK 883203101 696 9000 SH OTHER 9000
TIFFANY & CO NEW COM COMMON STOCK 886547108 360 6000 SH DEFINED 6,000
TIME WARNER INC COMMON STOCK 887315109 8000 131694 SH DEFINED 131,014 680
TIME WARNER INC COMMON STOCK 887315109 46 760 SH OTHER 160 200 400
TORCHMARK CORP COMMON STOCK 891027104 4699 181597 SH DEFINED 166,643 14954
TORCHMARK CORP COMMON STOCK 891027104 8102 313126 SH OTHER 306,648 1,394 5084
TRICON GLOBAL RESTAURANTS COMMON STOCK 895953107 306 7470 SH DEFINED 7,420 50
TRICON GLOBAL RESTAURANTS COMMON STOCK 895953107 52 1270 SH OTHER 860 400 10
TRIBUNE CO NEW COMMON STOCK 896047107 995 20000 SH DEFINED 20,000
TRIZEC HAHN CORPORATION FOREIGN STOCK 896938107 1343 70900 SH DEFINED 70900
TRUSTMARK CORP COMMON STOCK 898402102 871 38710 SH DEFINED 38,710
TYCO INTL LTD NEW COMMON STOCK 902124106 15113 146377 SH DEFINED 137,826 8551
TYCO INTL LTD NEW COMMON STOCK 902124106 2081 20157 SH OTHER 18,457 1,700
TYSON FOODS CLASS A COMMON STOCK 902494103 1359 82700 SH DEFINED 82,700
TYSON FOODS CLASS A COMMON STOCK 902494103 74 4500 SH OTHER 4,500
UST INC COMMON STOCK 902911106 1570 52005 SH DEFINED 52,005
UST INC COMMON STOCK 902911106 72 2400 SH OTHER 2,400
US BANCORP DEL COMMON STOCK 902973106 1342 44452 SH DEFINED 44,452
UNILEVER N V COMMON STOCK 904784709 4630 67968 SH DEFINED 67,968
UNILEVER N V COMMON STOCK 904784709 15 222 SH OTHER 222
UNICOM CORPORATION COMMON STOCK 904911104 1298 35130 SH DEFINED 34,530 600
UNICOM CORPORATION COMMON STOCK 904911104 36 979 SH OTHER 200 779
UNION PACIFIC CORP COMMON STOCK 907818108 2962 61618 SH DEFINED 61,618
UNION PACIFIC CORP COMMON STOCK 907818108 248 5157 SH OTHER 3,835 316 1006
UNION PAC RES GROUP INC COMMON STOCK 907834105 357 21944 SH DEFINED 21,944
UNION PAC RES GROUP INC COMMON STOCK 907834105 21 1321 SH OTHER 1,321
UNION PLANTERS CORP COMMON STOCK 908068109 914 22424 SH DEFINED 22,224 200
UNION PLANTERS CORP COMMON STOCK 908068109 4531 111201 SH OTHER 34,749 76452
UNITED HEALTHCARE CORP COMMON STOCK 910581107 391 8029 SH DEFINED 8,029
U S WEST INC NEW COMMON STOCK 91273H101 829 14520 SH DEFINED 12,882 1638
U S WEST INC NEW COMMON STOCK 91273H101 270 4738 SH OTHER 3,820 630 288
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 2710 45688 SH DEFINED 41,788 3900
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 749 12636 SH OTHER 11,236 1,400
UNOCAL CORP COMMON STOCK 915289102 930 25098 SH DEFINED 25,098
UNOCAL CORP COMMON STOCK 915289102 81 2184 SH OTHER 2,184
V F CORP COMMON STOCK 918204108 2111 68111 SH DEFINED 67,961 150
V F CORP COMMON STOCK 918204108 446 14400 SH OTHER 14,400
VALUEVISION INTL INC COMMON STOCK 92047K107 780 30000 SH DEFINED 30,000
VAN KAMPEN MUNICIPAL OPPORT TR II MUTUAL FUND 920944105 120 10050 SH OTHER 3,350 6,700
VENATOR GROUP INC COMMON STOCK 922944103 110 12800 SH DEFINED 12,800
VERITAS SOFTWARE CO COMMON STOCK 923436109 2126 28000 SH DEFINED 28,000
VIAD CORP COMMON STOCK 92552R109 743 25172 SH DEFINED 25,172
VIAD CORP COMMON STOCK 92552R109 84 2854 SH OTHER 2,600 254
VIACOM INC COMMON STOCK 925524308 2202 52112 SH DEFINED 47,434 4,678
VIACOM INC COMMON STOCK 925524308 8 200 SH OTHER 200
VISIONAMERICA INC COMMON STOCK 92832C104 54 10000 SH DEFINED 10,000
VITESSE SEMICONDUCTOR CORP COMMON STOCK 928497106 1195 14000 SH DEFINED 14,000
VODAFONE AIRTOUCH PLC, FOREIGN STOCK 92857T107 917 3856 SH DEFINED 3,626 230
VODAFONE AIRTOUCH PLC, FOREIGN STOCK 92857T107 453 1907 SH OTHER 1,225 682
VULCAN MATERIALS CO COMMON STOCK 929160109 11680 318908 SH DEFINED 318,260 648
VULCAN MATERIALS CO COMMON STOCK 929160109 4274 116696 SH OTHER 53,036 600 63060
WACHOVIA CORP COMMON STOCK 929771103 2371 30158 SH DEFINED 29,798 360
WACHOVIA CORP COMMON STOCK 929771103 632 8032 SH OTHER 5,736 240 2056
WADDELL & REED FINL INC CL A COMMON STOCK 930059100 84 3791 SH DEFINED 3,791
WADDELL & REED FINL INC CL A COMMON STOCK 930059100 293 13219 SH OTHER 12,932 33 254
WADDELL & REED FINL INC CL B COMMON STOCK 930059209 350 16367 SH DEFINED 16,367
WADDELL & REED FINL INC CL B COMMON STOCK 930059209 1196 55939 SH OTHER 54,697 145 1097
WAL MART STORES INC COMMON STOCK 931142103 43102 906218 SH DEFINED 892,519 300 13399
WAL MART STORES INC COMMON STOCK 931142103 5475 115112 SH OTHER 82,298 32,814
WALGREEN CO COMMON STOCK 931422109 3433 135285 SH DEFINED 134,950 335
WARNER LAMBERT CO COMMON STOCK 934488107 7950 119775 SH DEFINED 118,775 250 750
WARNER LAMBERT CO COMMON STOCK 934488107 462 6953 SH OTHER 6,753 200
WASHINGTON MUTUAL INC COMMON STOCK 939322103 1163 39764 SH DEFINED 39,498 266
WASHINGTON MUTUAL INC COMMON STOCK 939322103 37 1258 SH OTHER 1,258
WASHINGTON POST CO CLASS B COMMON STOCK 939640108 612 1200 SH DEFINED 1,200
WASTE MANAGEMENT COM COMMON STOCK 94106L109 1607 83464 SH DEFINED 5,664 77800
WASTE MANAGEMENT COM COMMON STOCK 94106L109 14 729 SH OTHER 729
WAVO CORP COMMON STOCK 944027101 44 10000 SH DEFINED 10000
WEATHERFORD INTL INC NEW COMMON STOCK 947074100 422 13200 SH DEFINED 13,200
WELLS FARGO & CO NEW COMMON STOCK 949746101 14227 359033 SH DEFINED 358,633 400
WELLS FARGO & CO NEW COMMON STOCK 949746101 769 19400 SH OTHER 14,600 1,200 3600
WEYERHAEUSER CO COMMON STOCK 962166104 1023 17751 SH DEFINED 17,585 116 50
WEYERHAEUSER CO COMMON STOCK 962166104 81 1404 SH OTHER 1,404
WILLIAMS COS INC COMMON STOCK 969457100 1217 32338 SH DEFINED 21,833 10505
WILLIAMS COS INC COMMON STOCK 969457100 15 400 SH OTHER 400
WILMINGTON TR CORP COMMON STOCK 971807102 291 6000 SH DEFINED 6,000
WINN DIXIE STORES INC COMMON STOCK 974280109 82 2750 SH DEFINED 2,750
WINN DIXIE STORES INC COMMON STOCK 974280109 195 6574 SH OTHER 6,574
WISCONSIN ENERGY CORP COMMON STOCK 976657106 525 22380 SH DEFINED 22,380
WISCONSIN ENERGY CORP COMMON STOCK 976657106 66 2811 SH OTHER 2,811
WRIGLEY WM JR CO COMMON STOCK 982526105 2225 32341 SH DEFINED 32,341
WRIGLEY WM JR CO COMMON STOCK 982526105 458 6650 SH OTHER 6,650
XILINX INC COMMON STOCK 983919101 1180 18000 SH DEFINED 18,000
XEROX CORP COMMON STOCK 984121103 4623 110240 SH DEFINED 108,540 400 1300
XEROX CORP COMMON STOCK 984121103 279 6650 SH OTHER 5,550 1,100
YAHOO INC COMMON STOCK 984332106 467 2600 SH DEFINED 600 2000
YAHOO INC COMMON STOCK 984332106 36 200 SH OTHER 200
ZALE CORP NEW COMMON STOCK 988858106 958 25000 SH DEFINED 24,000 1000
ZALE CORP NEW COMMON STOCK 988858106 31 800 SH OTHER 800
ZIONS BANCORPORATION COMMON STOCK 989701107 441 8000 SH DEFINED 8,000
</TABLE>
