<PAGE>
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
Form 13F COVER PAGE
Report for the Quarter Ended: June 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: 205/326-7374
Signature, Place, and Date of Signing:
/s/Ronald C. Jackson Birmingham, Alabama August 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: 801
Form 13F Information Table Value Total: $3,026,821(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>
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT VOTING AUTHORITY
</TABLE>
<TABLE>
<S> <C> <C> <C> <C> <C> <C> <C> <C>
NAME OF ISSUER TITLE OF CLASS CUSIP (thousands) PRN AMT PRN CALL DISCRETION SOLE SHARED NONE
DAIMLERCHRYSLER AG FOREIGN STOCK D1668R123 437 4908 SH DEFINED 4,609 299
DAIMLERCHRYSLER AG FOREIGN STOCK D1668R123 54 607 SH OTHER 296 311
ADC TELECOMMUNICATIONS INC COMMON STOCK 000886101 1094 24000 SH DEFINED 24,000
AFLAC INC COMMON STOCK 001055102 10833 226282 SH DEFINED 221,228 5054
AFLAC INC COMMON STOCK 001055102 204 4260 SH OTHER 1,660 1,100 1500
AGL RES INC COMMON STOCK 001204106 33 1800 SH DEFINED 1,800
AGL RES INC COMMON STOCK 001204106 359 19472 SH OTHER 15,700 2,972 800
AMR CORP DEL COMMON STOCK 001765106 3593 52650 SH DEFINED 52,150 500
AMR CORP DEL COMMON STOCK 001765106 105 1540 SH OTHER 1,540
A T & T CORP COMMON STOCK 001957109 21943 393138 SH DEFINED 368,269 957 23912
A T & T CORP COMMON STOCK 001957109 3984 71382 SH OTHER 61,712 3,833 5837
ABBOTT LABORATORIES COMMON STOCK 002824100 16622 366316 SH DEFINED 365,586 730
ABBOTT LABORATORIES COMMON STOCK 002824100 1061 23375 SH OTHER 15,575 7800
ABERCROMBIE & FITCH CO COMMON STOCK 002896207 769 16028 SH DEFINED 16,028
AEGON N V FOREIGN STOCK 007924103 563 7613 SH DEFINED 7,613
AEGON N V FOREIGN STOCK 007924103 442 5974 SH OTHER 5,974
AETNA INC COMMON STOCK 008117103 678 7584 SH DEFINED 7,584
AETNA INC COMMON STOCK 008117103 54 600 SH OTHER 600
AIR PRODS & CHEMS INC COMMON STOCK 009158106 1610 40000 SH DEFINED 38,300 1700
AIR PRODS & CHEMS INC COMMON STOCK 009158106 128 3176 SH OTHER 2,176 1000
AIRBORNE FGHT CORP COMMON STOCK 009266107 554 20000 SH DEFINED 20,000
AIRTRAN HOLDINGS INC COMMON STOCK 00949P108 110 19200 SH DEFINED 19,200
AKZO NOBEL N. V. ADR FOREIGN STOCK 010199305 216 5096 SH DEFINED 5,096
ALBERTSONS INC COMMON STOCK 013104104 3443 66769 SH DEFINED 66,769
ALBERTSONS INC COMMON STOCK 013104104 10 200 SH OTHER 200
ALCOA INC COMMON STOCK 013817101 4436 71689 SH DEFINED 70,879 810
ALCOA INC COMMON STOCK 013817101 12 200 SH OTHER 200
ALEXANDER & BALDWIN INC COMMON STOCK 014482103 841 37800 SH DEFINED 37800
ALFA CORP COMMON STOCK 015385107 451 22544 SH DEFINED 22,544
ALFA CORP COMMON STOCK 015385107 14 698 SH OTHER 698
ALLEGHENY ENERGY INC COMMON STOCK 017361106 220 6875 SH DEFINED 6,875
ALLEGHENY ENERGY INC COMMON STOCK 017361106 45 1400 SH OTHER 600 800
ALLIANCE CAP MGMT LP UNIT LTD PARTN 018548107 422 13050 SH DEFINED 13,050
ALLIED SIGNAL INC. COMMON STOCK 019512102 2906 46122 SH DEFINED 44,924 250 948
ALLIED SIGNAL INC. COMMON STOCK 019512102 120 1900 SH OTHER 600 1,300
ALLIED WASTE INDS INC COMMON STOCK 019589308 474 24000 SH DEFINED 24,000
ALLIED WASTE INDS INC COMMON STOCK 019589308 10 500 SH OTHER 500
ALLSTATE CORP COMMON STOCK 020002101 4012 111828 SH DEFINED 109,403 2425
ALLSTATE CORP COMMON STOCK 020002101 448 12483 SH OTHER 7,161 5,322
ALLTEL CORP COMMON STOCK 020039103 14045 196436 SH DEFINED 196,186 250
ALLTEL CORP COMMON STOCK 020039103 915 12795 SH OTHER 12,779 16
ALTERA CORP COMMON STOCK 021441100 884 24000 SH DEFINED 24,000
AMEREN CORP COMMON STOCK 023608102 293 7637 SH DEFINED 7,637
AMEREN CORP COMMON STOCK 023608102 31 800 SH OTHER 800
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 17619 160177 SH DEFINED 149,327 200 10650
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 800 7270 SH OTHER 6,370 700 200
AMERICAN ELECTRIC PWR INC COMMON STOCK 025537101 349 9291 SH DEFINED 8,991 300
AMERICAN ELECTRIC PWR INC COMMON STOCK 025537101 12 325 SH OTHER 325
AMERICAN EXPRESS CO COMMON STOCK 025816109 14298 109877 SH DEFINED 106,797 3080
AMERICAN EXPRESS CO COMMON STOCK 025816109 1460 11217 SH OTHER 9,917 500 800
AMERICAN GENERAL CORP COMMON STOCK 026351106 4698 62335 SH DEFINED 62,235 100
AMERICAN GENERAL CORP COMMON STOCK 026351106 271 3600 SH OTHER 3,300 150 150
AMERICAN GREETINGS CORP COMMON STOCK 026375105 205 6800 SH DEFINED 6,800
AMERICAN HOME PRODS CORP COMMON STOCK 026609107 34845 607329 SH DEFINED 587,383 500 19446
AMERICAN HOME PRODS CORP COMMON STOCK 026609107 9335 162700 SH OTHER 138,600 3,100 21000
AMERICAN INTL GROUP INC COMMON STOCK 026874107 35489 302678 SH DEFINED 301,384 1294
AMERICAN INTL GROUP INC COMMON STOCK 026874107 1191 10162 SH OTHER 9,594 400 168
AMERICAN PWR CONVRSN CORP COMMON STOCK 029066107 561 27858 SH DEFINED 27,858
AMERICAN PWR CONVRSN CORP COMMON STOCK 029066107 40 2000 SH OTHER 2,000
AMERICAN STD COS INC DEL COMMON STOCK 029712106 384 8000 SH DEFINED 8,000
AMERITECH CORP COMMON STOCK 030954101 12412 168864 SH DEFINED 163,579 5285
AMERITECH CORP COMMON STOCK 030954101 1204 16380 SH OTHER 11,950 1,742 2688
AMGEN INC COMMON STOCK 031162100 2710 44525 SH DEFINED 43,600 925
AMGEN INC COMMON STOCK 031162100 59 970 SH OTHER 970
AMSOUTH BANCORPORATION COMMON STOCK 032165102 12456 537175 SH DEFINED 476,465 60710
AMSOUTH BANCORPORATION COMMON STOCK 032165102 6521 281232 SH OTHER 245,917 5,271 30044
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 7126 100453 SH DEFINED 99,653 800
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 764 10773 SH OTHER 10,173 300 300
AON CORP COMMON STOCK 037389103 461 11175 SH DEFINED 11,175
APPLIED MATLS INC COMMON STOCK 038222105 1796 24305 SH DEFINED 23,785 520
APPLIED MATLS INC COMMON STOCK 038222105 74 1000 SH OTHER 1,000
ASSOCIATES FIRST CAP CORP COMMON STOCK 046008108 2404 54488 SH DEFINED 54,410 78
ASSOCIATES FIRST CAP CORP COMMON STOCK 046008108 180 4081 SH OTHER 4,055 26
ATLANTIC CST ARLNS HLDGS COMMON STOCK 048396105 380 20000 SH DEFINED 20,000
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 6222 74457 SH DEFINED 69,432 480 4545
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 1383 16546 SH OTHER 9,256 6,690 600
AUBURN NATL BANCORP COMMON STOCK 050473107 2 100 SH DEFINED 100
AUBURN NATL BANCORP COMMON STOCK 050473107 881 51810 SH OTHER 51,810
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 5793 131659 SH DEFINED 131,059 600
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 822 18680 SH OTHER 13,780 2,900 2000
AVERY DENNISON CORP COMMON STOCK 053611109 202 3354 SH DEFINED 3,354
AVERY DENNISON CORP COMMON STOCK 053611109 338 5600 SH OTHER 4,400 1,200
AVON PRODS INC COMMON STOCK 054303102 4658 83932 SH DEFINED 83,782 150
AVON PRODS INC COMMON STOCK 054303102 78 1400 SH OTHER 1,400
BB&T CORP COMMON STOCK 054937107 550 15000 SH DEFINED 15,000
BP AMOCO PLC ADS FOREIGN STOCK 055622104 12189 112342 SH DEFINED 105,822 6520
BP AMOCO PLC ADS FOREIGN STOCK 055622104 2595 23919 SH OTHER 21,802 2117
BMC SOFTWARE INC COMMON STOCK 055921100 3968 73480 SH DEFINED 70,980 2500
BMC SOFTWARE INC COMMON STOCK 055921100 100 1850 SH OTHER 850 1,000
BAKER HUGHES INC COMMON STOCK 057224107 682 20350 SH DEFINED 18,600 1750
BAKER HUGHES INC COMMON STOCK 057224107 5 150 SH OTHER 150
BANK NEW YORK INC COMMON STOCK 064057102 2754 75052 SH DEFINED 74,872 180
BANK NEW YORK INC COMMON STOCK 064057102 442 12060 SH OTHER 260 11,800
BANK ONE CORP COMMON STOCK 06423A103 6250 104926 SH DEFINED 102,825 2101
BANK ONE CORP COMMON STOCK 06423A103 879 14758 SH OTHER 8,338 4,235 2185
BANKBOSTON CORP COMMON STOCK 06605R106 427 8350 SH DEFINED 8,150 200
BANKBOSTON CORP COMMON STOCK 06605R106 151 2944 SH OTHER 2,744 200
BARRICK GOLD CORP COMMON STOCK 067901108 748 38630 SH DEFINED 38,350 280
BARRICK GOLD CORP COMMON STOCK 067901108 19 1000 SH OTHER 1,000
BATTLE MOUNTAIN GOLD CO COMMON STOCK 071593107 29 12041 SH DEFINED 11,972 69
BAUSCH & LOMB INC COMMON STOCK 071707103 149 1954 SH DEFINED 1,954
BAUSCH & LOMB INC COMMON STOCK 071707103 89 1164 SH OTHER 1,164
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 737 12150 SH DEFINED 12,060 90
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 192 3164 SH OTHER 2,364 800
BEAR STEARNS COS INC COMMON STOCK 073902108 301 6446 SH DEFINED 6,296 150
BEAR STEARNS COS INC COMMON STOCK 073902108 52 1122 SH OTHER 1,122
BECTON DICKINSON & CO COMMON STOCK 075887109 320 10650 SH DEFINED 10,540 110
BECTON DICKINSON & CO COMMON STOCK 075887109 34 1148 SH OTHER 1,148
BED BATH & BEYOND INC COMMON STOCK 075896100 770 20000 SH DEFINED 20,000
BELL ATLANTIC CORP COMMON STOCK 077853109 11746 179675 SH DEFINED 168,989 10686
BELL ATLANTIC CORP COMMON STOCK 077853109 1394 21322 SH OTHER 14,116 6,118 1088
BELLSOUTH CORP COMMON STOCK 079860102 19982 433211 SH DEFINED 417,129 450 15632
BELLSOUTH CORP COMMON STOCK 079860102 6244 135370 SH OTHER 119,294 12,840 3236
BERGEN BRUNSWIG CORP COMMON STOCK 083739102 345 20000 SH DEFINED 20,000
BERKSHIRE HATHAWAY INC A COMMON STOCK 084670108 413 6 SH DEFINED 6
BERKSHIRE HATHAWAY INC A COMMON STOCK 084670108 1378 20 SH OTHER 20
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670207 1626 726 SH DEFINED 715 11
BERKSHIRE HATHAWAY INC B COMMON STOCK 084670207 571 255 SH OTHER 245 5 5
BEST BUY INC COMMON STOCK 086516101 1080 16000 SH DEFINED 16,000
BESTFOODS COMMON STOCK 08658U101 2725 55060 SH DEFINED 53,484 1576
BESTFOODS COMMON STOCK 08658U101 933 18857 SH OTHER 17,457 1,400
BIOCRYST PHARMACEUTICALS COMMON STOCK 09058V103 51 5800 SH DEFINED 5,800
BIOCRYST PHARMACEUTICALS COMMON STOCK 09058V103 963 110054 SH OTHER 2,000 108054
BIOGEN INC COMMON STOCK 090597105 1569 24400 SH DEFINED 24,400
BLACKROCK 1999 TERM TRST MUTUAL FUND 09247T100 171 17225 SH DEFINED 17,225
BLACKROCK INSD MUN TERM TR MUTUAL FUND 092474105 272 25000 SH DEFINED 25,000
BLOCK H & R INC COMMON STOCK 093671105 215 4300 SH DEFINED 3,800 500
BLOCK H & R INC COMMON STOCK 093671105 100 2000 SH OTHER 2000
BLOUNT INTERNATIONAL INC COMMON STOCK 095177101 183 6748 SH DEFINED 6,748
BLOUNT INTERNATIONAL INC COMMON STOCK 095177101 7147 262886 SH OTHER 262886
BOCA RESH INC COMMON STOCK 096888102 76 10000 SH OTHER 10,000
BOEING CO COMMON STOCK 097023105 3897 88578 SH DEFINED 87,978 600
BOEING CO COMMON STOCK 097023105 8256 187644 SH OTHER 187,644
BOSTON PPTYS INC COMMON STOCK 101121101 1130 31500 SH DEFINED 31500
BRIGGS & STRATTON CORP COMMON STOCK 109043109 150 2600 SH DEFINED 2,600
BRIGGS & STRATTON CORP COMMON STOCK 109043109 104 1800 SH OTHER 1,800
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 54832 778451 SH DEFINED 762,721 250 15480
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 11502 163290 SH OTHER 112,490 6,400 44400
BRITISH AWYS PLC FOREIGN STOCK 110419306 200 2800 SH OTHER 2,800
BURLINGTON NORTHN SNTA FE COMMON STOCK 12189T104 1293 41704 SH DEFINED 41,704
BURLINGTON NORTHN SNTA FE COMMON STOCK 12189T104 319 10275 SH OTHER 6,000 4,275
BURLINGTON RESOURCES INC COMMON STOCK 122014103 1441 33326 SH DEFINED 30,280 3046
BURLINGTON RESOURCES INC COMMON STOCK 122014103 244 5640 SH OTHER 3,486 2,154
CBRL GROUP INC COMMON STOCK 12489V106 266 15385 SH DEFINED 12,985 2400
CBRL GROUP INC COMMON STOCK 12489V106 147 8500 SH OTHER 6,500 2,000
CBS CORP COMMON STOCK 12490K107 1800 41316 SH DEFINED 41,316
CIGNA CORP COMMON STOCK 125509109 961 10800 SH DEFINED 10,800
CIGNA CORP COMMON STOCK 125509109 195 2196 SH OTHER 2196
CSX CORP COMMON STOCK 126408103 1985 43740 SH DEFINED 21,740 22000
CSX CORP COMMON STOCK 126408103 142 3120 SH OTHER 1,500 1620
CADENCE DESIGN SYS INC COMMON STOCK 127387108 303 24000 SH DEFINED 24,000
CAMPBELL SOUP CO COMMON STOCK 134429109 2388 51500 SH DEFINED 50,900 600
CAMPBELL SOUP CO COMMON STOCK 134429109 116 2500 SH OTHER 1,200 1,300
CANADIAN PACIFIC LTD COMMON STOCK 135923100 1262 53000 SH DEFINED 2,000 51000
CARNIVAL CORP COMMON STOCK 143658102 1819 37500 SH DEFINED 37,500
CATELLUS DEV CORP COMMON STOCK 149111106 1085 71136 SH DEFINED 136 71000
CATERPILLAR INC COMMON STOCK 149123101 2105 35085 SH DEFINED 31,885 3200
CATERPILLAR INC COMMON STOCK 149123101 265 4412 SH OTHER 4,412
CENDANT CORP COMMON STOCK 151313103 830 40500 SH DEFINED 40,500
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 764 32693 SH DEFINED 32,293 400
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 106 4530 SH OTHER 4,350 180
CHAMPION INTL CORP COMMON STOCK 158525105 74 1550 SH DEFINED 1,550
CHAMPION INTL CORP COMMON STOCK 158525105 894 18678 SH OTHER 18,678
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 7454 86171 SH DEFINED 85,521 650
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 183 2116 SH OTHER 2,116
CHEVRON CORP COMMON STOCK 166751107 16905 177835 SH DEFINED 157,576 20259
CHEVRON CORP COMMON STOCK 166751107 3378 35538 SH OTHER 30,047 3,075 2416
CHIRON CORP COMMON STOCK 170040109 498 24000 SH DEFINED 24,000
CHUBB CORP COMMON STOCK 171232101 2155 31010 SH DEFINED 30,610 400
CHUBB CORP COMMON STOCK 171232101 215 3100 SH OTHER 3,100
CINCINNATI BELL INC COMMON STOCK 171870108 399 16000 SH DEFINED 16,000
CINCINNATI BELL INC COMMON STOCK 171870108 4 160 SH OTHER 160
CINERGY CORP COMMON STOCK 172474108 273 8525 SH DEFINED 7,775 750
CINERGY CORP COMMON STOCK 172474108 64 2000 SH OTHER 2,000
CIRCUIT CITY STORES GROUP COMMON STOCK 172737108 4802 51630 SH DEFINED 51,430 200
CIRCUIT CITY STORES GROUP COMMON STOCK 172737108 56 600 SH OTHER 500 100
CISCO SYS INC COMMON STOCK 17275R102 29788 461826 SH DEFINED 442,726 300 18800
CISCO SYS INC COMMON STOCK 17275R102 531 8230 SH OTHER 4,410 3,650 170
CINTAS CORP COMMON STOCK 172908105 202 3000 SH DEFINED 3,000
CITIGROUP INC COMMON STOCK 172967101 15978 336374 SH DEFINED 319,670 16704
CITIGROUP INC COMMON STOCK 172967101 3044 64080 SH OTHER 58,755 2,100 3225
CITIZENS UTILITIES CO B COMMON STOCK 177342201 115 10334 SH DEFINED 10,334
CITRIX SYS INC COMMON STOCK 177376100 925 16380 SH DEFINED 16,300 80
CITRIX SYS INC COMMON STOCK 177376100 7 128 SH OTHER 128
CLEAR CHANNEL COMS COMMON STOCK 184502102 896 13000 SH DEFINED 13,000
CLOROX CO COMMON STOCK 189054109 7990 74801 SH DEFINED 73,521 1280
CLOROX CO COMMON STOCK 189054109 353 3304 SH OTHER 1,804 1,500
COASTAL CORP COMMON STOCK 190441105 861 21400 SH DEFINED 21,400
COASTAL CORP COMMON STOCK 190441105 81 2000 SH OTHER 2000
COCA COLA CO COMMON STOCK 191216100 105245 1697501 SH DEFINED 1,655,807 500 41194
COCA COLA CO COMMON STOCK 191216100 132519 2137404 SH OTHER 2,088,278 39,596 9530
COCA COLA ENTERPRISES INC COMMON STOCK 191219104 69350 2331084 SH OTHER 2,331,084
COLGATE PALMOLIVE CO COMMON STOCK 194162103 8413 85410 SH DEFINED 83,100 2310
COLGATE PALMOLIVE CO COMMON STOCK 194162103 13229 134304 SH OTHER 133,504 800
COLONIAL BANCGROUP INC COMMON STOCK 195493309 184 13221 SH DEFINED 13,221
COLONIAL BANCGROUP INC COMMON STOCK 195493309 178 12784 SH OTHER 4,784 8000
COLONIAL PPTYS TR COMMON STOCK 195872106 299 10576 SH DEFINED 10,576
COLONIAL PPTYS TR COMMON STOCK 195872106 303 10710 SH OTHER 10,710
COLUMBIA/HCA HLTHCARE CORP COMMON STOCK 197677107 1321 57915 SH DEFINED 57,915
COLUMBIA/HCA HLTHCARE CORP COMMON STOCK 197677107 2 100 SH OTHER 100
COMAIR HLDGS INC COMMON STOCK 199789108 208 10000 SH DEFINED 10,000
COMDISCO INC COMMON STOCK 200336105 410 16000 SH DEFINED 16,000
COMERICA INC COMMON STOCK 200340107 416 7000 SH DEFINED 7,000
COMPASS BANCSHARES, INC. COMMON STOCK 20449H109 3720 136502 SH DEFINED 132,581 3921
COMPASS BANCSHARES, INC. COMMON STOCK 20449H109 3516 129013 SH OTHER 129,013
COMPAQ COMPUTER CORP COMMON STOCK 204493100 3391 143149 SH DEFINED 139,377 3772
COMPAQ COMPUTER CORP COMMON STOCK 204493100 759 32022 SH OTHER 30,211 1,774 37
COMPUTER ASSOC INTL INC COMMON STOCK 204912109 3883 70925 SH DEFINED 70,775 150
COMPUTER ASSOC INTL INC COMMON STOCK 204912109 58 1055 SH OTHER 1,055
COMPUTER SCIENCES CORP COMMON STOCK 205363104 4325 62504 SH DEFINED 61,704 800
COMPUTER SCIENCES CORP COMMON STOCK 205363104 14 200 SH OTHER 100 100
COMPUWARE CORP COMMON STOCK 205638109 1784 56080 SH DEFINED 55,000 1080
COMPUWARE CORP COMMON STOCK 205638109 5 160 SH OTHER 160
COMVERSE TECHNOLOGY INC COMMON STOCK 205862402 1322 17515 SH DEFINED 17,515
COMVERSE TECHNOLOGY INC COMMON STOCK 205862402 113 1500 SH OTHER 1,500
CONAGRA INC COMMON STOCK 205887102 591 22200 SH DEFINED 22,200
CONAGRA INC COMMON STOCK 205887102 313 11762 SH OTHER 11,562 200
CONCORD EFS INC COMMON STOCK 206197105 846 20000 SH DEFINED 20,000
CONSECO INC COMMON STOCK 208464107 3314 108884 SH DEFINED 106,834 2050
CONSECO INC COMMON STOCK 208464107 159 5212 SH OTHER 2,512 2,700
CONSOLIDATED EDISON INC COMMON STOCK 209115104 898 19854 SH DEFINED 19,854
CONSOLIDATED EDISON INC COMMON STOCK 209115104 59 1300 SH OTHER 1,300
CONSOLIDATED NATURAL GAS COMMON STOCK 209615103 439 7233 SH DEFINED 7,177 56
CONSOLIDATED NATURAL GAS COMMON STOCK 209615103 24 400 SH OTHER 400
CONTINENTAL AIRLS INC COMMON STOCK 210795308 602 16000 SH DEFINED 16,000
CONVERGYS CORP COMMON STOCK 212485106 233 12000 SH DEFINED 12,000
CONVERGYS CORP COMMON STOCK 212485106 3 160 SH OTHER 160
COOPER INDS INC COMMON STOCK 216669101 377 7248 SH DEFINED 7,248
CORNING INC COMMON STOCK 219350105 3765 53697 SH DEFINED 52,384 1313
CORNING INC COMMON STOCK 219350105 263 3753 SH OTHER 3,353 400
COSTCO COS INC COMMON STOCK 22160Q102 2102 26250 SH DEFINED 26,250
COSTCO COS INC COMMON STOCK 22160Q102 8 100 SH OTHER 100
DTE ENERGY CO COMMON STOCK 233331107 250 6140 SH DEFINED 6,060 80
DTE ENERGY CO COMMON STOCK 233331107 6 150 SH OTHER 50 100
DANA CORP COMMON STOCK 235811106 481 10446 SH DEFINED 10,446
DANA CORP COMMON STOCK 235811106 42 920 SH OTHER 920
DANAHER CORP COMMON STOCK 235851102 260 4465 SH DEFINED 4,465
DARDEN RESTAURANTS INC COMMON STOCK 237194105 111 5100 SH DEFINED 5,100
DARDEN RESTAURANTS INC COMMON STOCK 237194105 124 5673 SH OTHER 3,300 2373
DAYTON HUDSON CORP COMMON STOCK 239753106 5823 89580 SH DEFINED 88,930 650
DAYTON HUDSON CORP COMMON STOCK 239753106 722 11100 SH OTHER 11,000 100
DEERE & CO COMMON STOCK 244199105 846 21590 SH DEFINED 20,890 400 300
DEERE & CO COMMON STOCK 244199105 169 4300 SH OTHER 2,400 1,700 200
DELL COMPUTER CORP COMMON STOCK 247025109 11749 317535 SH DEFINED 301,310 16225
DELL COMPUTER CORP COMMON STOCK 247025109 750 20281 SH OTHER 16,481 3,800
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 1229 66457 SH DEFINED 64,318 2139
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 188 10168 SH OTHER 8,921 1,247
DELTA AIR LINES INC COMMON STOCK 247361108 934 16208 SH DEFINED 16,208
DELTA AIR LINES INC COMMON STOCK 247361108 801 13900 SH OTHER 5,000 1,600 7300
DIAL CORP NEW COM COMMON STOCK 25247D101 8719 234465 SH DEFINED 201,285 500 32680
DIAL CORP NEW COM COMMON STOCK 25247D101 3117 83829 SH OTHER 41,075 1,000 41754
DIEBOLD INC COMMON STOCK 253651103 331 11523 SH DEFINED 11,523
DILLARDS INC COMMON STOCK 254067101 173 4919 SH DEFINED 4,919
DILLARDS INC COMMON STOCK 254067101 330 9400 SH OTHER 9,400
WALT DISNEY COMPANY COMMON STOCK 254687106 6224 201986 SH DEFINED 199,749 500 1737
WALT DISNEY COMPANY COMMON STOCK 254687106 1285 41701 SH OTHER 37,476 3,700 525
DOLLAR TREE STORES INC COMMON STOCK 256747106 440 10000 SH DEFINED 10,000
DOW CHEM CO COM COMMON STOCK 260543103 2907 22910 SH DEFINED 22,910
DOW CHEM CO COM COMMON STOCK 260543103 513 4046 SH OTHER 3,621 425
DREYFUS STRATEGIC MUNS INC MUTUAL FUND 261932107 469 51000 SH DEFINED 50,000 1000
DREYFUS STRATEGIC MUN INC MUTUAL FUND 26202F107 448 51548 SH DEFINED 51,548
DU PONT E I DE NEMOURS COMMON STOCK 263534109 33696 493256 SH DEFINED 485,322 7934
DU PONT E I DE NEMOURS COMMON STOCK 263534109 3934 57588 SH OTHER 43,282 2,406 11900
DUFF & PHELPS UTILS INC COMMON STOCK 264324104 136 12755 SH DEFINED 12,351 404
DUFF & PHELPS UTILS INC COMMON STOCK 264324104 41 3840 SH OTHER 3,840
DUKE ENERGY CORP COMMON STOCK 264399106 8923 163920 SH DEFINED 161,979 1941
DUKE ENERGY CORP COMMON STOCK 264399106 486 8935 SH OTHER 7,972 650 313
DUN & BRADSTREET CORP DEL COMMON STOCK 26483B106 388 10958 SH DEFINED 9,458 1500
DUN & BRADSTREET CORP DEL COMMON STOCK 26483B106 25 700 SH OTHER 700
E TRADE GROUP INC COMMON STOCK 269246104 1457 36475 SH DEFINED 35,875 600
EASTMAN KODAK CO COMMON STOCK 277461109 4810 70997 SH DEFINED 66,597 300 4100
EASTMAN KODAK CO COMMON STOCK 277461109 964 14234 SH OTHER 11,585 2,649
EATON CORP COMMON STOCK 278058102 507 5510 SH DEFINED 5,510
EATON VANCE MUNI INCOME FD MUTUAL FUND 27826U108 448 33332 SH DEFINED 33,332
ECOLAB INC COMMON STOCK 278865100 2055 47112 SH DEFINED 1,600 45512
EDISON INTERNATIONAL COMMON STOCK 281020107 243 9094 SH DEFINED 8,394 700
EDISON INTERNATIONAL COMMON STOCK 281020107 49 1844 SH OTHER 1,844
EDWARDS A G INC COMMON STOCK 281760108 177 5475 SH DEFINED 5,375 100
EDWARDS A G INC COMMON STOCK 281760108 26 800 SH OTHER 800
ELCOM INTL INC COMMON STOCK 284434107 120 25500 SH DEFINED 19,900 5600
ELECTRONIC ARTS COMMON STOCK 285512109 434 8000 SH DEFINED 8,000
ELECTRONIC DATA SYS CORP COMMON STOCK 285661104 2414 42627 SH DEFINED 39,909 40 2678
ELECTRONIC DATA SYS CORP COMMON STOCK 285661104 227 4008 SH OTHER 3,908 100
EMERSON ELECTRIC CO COMMON STOCK 291011104 5857 93054 SH DEFINED 92,724 330
EMERSON ELECTRIC CO COMMON STOCK 291011104 709 11260 SH OTHER 8,260 1,200 1800
ENERGEN CORP COMMON STOCK 29265N108 173 9304 SH DEFINED 9,304
ENERGEN CORP COMMON STOCK 29265N108 199 10700 SH OTHER 10,700
ENERGYSOUTH INC COMMON STOCK 292970100 1175 58183 SH DEFINED 51,618 6565
ENRON CORPORATION ORGEON COMMON STOCK 293561106 2143 26214 SH DEFINED 25,714 500
EQUITY INCOME FUND MUTUAL FUND 294700703 716 3458 SH DEFINED 3,458
EXXON CORP COMMON STOCK 302290101 46026 596772 SH DEFINED 559,758 1,000 36014
EXXON CORP COMMON STOCK 302290101 10211 132395 SH OTHER 119,207 11,188 2000
FPL GROUP INC COMMON STOCK 302571104 5740 105087 SH DEFINED 104,421 16 650
FPL GROUP INC COMMON STOCK 302571104 107 1950 SH OTHER 1,250 400 300
FAMILY DOLLAR STORES INC COMMON STOCK 307000109 1318 54900 SH DEFINED 54,900
FAMILY DOLLAR STORES INC COMMON STOCK 307000109 36 1500 SH OTHER 1,500
FDX CORP COMMON STOCK 31304N107 3781 69696 SH DEFINED 31,100 38596
FDX CORP COMMON STOCK 31304N107 282 5200 SH OTHER 5,000 200
FEDERAL HOME LN MTG CORP COMMON STOCK 313400301 335 5770 SH DEFINED 5,500 270
FEDERAL HOME LN MTG CORP COMMON STOCK 313400301 6 100 SH OTHER 100
FEDERAL MOGUL CORP COMMON STOCK 313549107 520 10000 SH DEFINED 10,000
FEDERAL NATIONAL MTG ASSN COMMON STOCK 313586109 19086 279652 SH DEFINED 277,007 100 2545
FEDERAL NATIONAL MTG ASSN COMMON STOCK 313586109 894 13100 SH OTHER 11,400 1,700
FEDERATED DEPT STORES INC COMMON STOCK 31410H101 529 10000 SH DEFINED 10,000
FEDERATED DEPT STORES INC COMMON STOCK 31410H101 11 200 SH OTHER 200
FIFTH THIRD BANCORP COMMON STOCK 316773100 799 12000 SH DEFINED 12,000
FIRST DATA CORP COMMON STOCK 319963104 1657 33860 SH DEFINED 33,410 450
FIRST DATA CORP COMMON STOCK 319963104 98 2010 SH OTHER 2,010
FIRST TENNESSEE NATL CORP COMMON STOCK 337162101 613 16000 SH DEFINED 16,000
FIRST TENNESSEE NATL CORP COMMON STOCK 337162101 230 5992 SH OTHER 5,992
FIRST UNION CORP COMMON STOCK 337358105 6313 133958 SH DEFINED 133,258 700
FIRST UNION CORP COMMON STOCK 337358105 234 4976 SH OTHER 3,876 1,100
FISERV INC COMMON STOCK 337738108 564 18000 SH DEFINED 18,000
FIRSTENERGY CORP COMMON STOCK 337932107 319 10305 SH DEFINED 10,105 200
FIRSTENERGY CORP COMMON STOCK 337932107 6 190 SH OTHER 190
FLEET FINANCIAL GROUP INC COMMON STOCK 338915101 4649 104762 SH DEFINED 104,762
FLEET FINANCIAL GROUP INC COMMON STOCK 338915101 79 1784 SH OTHER 1,784
FLEMING COMPANIES INC COMMON STOCK 339130106 211 18150 SH DEFINED 18,150
FLORIDA PROGRESS CORP COMMON STOCK 341109106 2559 61935 SH DEFINED 61,935
FLORIDA PROGRESS CORP COMMON STOCK 341109106 92 2225 SH OTHER 2,150 75
FLORIDA ROCK INDS INC COMMON STOCK 341140101 221 4850 SH DEFINED 4,850
FLORIDA ROCK INDS INC COMMON STOCK 341140101 216 4749 SH OTHER 4,749
FOOD LION INC CL B COMMON STOCK 344775101 1138 98462 SH DEFINED 94,962 3500
FORD MOTOR CO COMMON STOCK 345370100 6488 114958 SH DEFINED 105,771 9187
FORD MOTOR CO COMMON STOCK 345370100 460 8142 SH OTHER 8,092 50
FOREST LABS INC COMMON STOCK 345838106 555 12000 SH DEFINED 12,000
FORTUNE BRANDS INC COMMON STOCK 349631101 804 19432 SH DEFINED 19,192 240
FORTUNE BRANDS INC COMMON STOCK 349631101 182 4390 SH OTHER 4,390
FRONTIER CORP COMMON STOCK 35906P105 862 14710 SH DEFINED 11,210 3500
FRONTIER CORP COMMON STOCK 35906P105 12 200 SH OTHER 200
GATX CORP COM COMMON STOCK 361448103 179 4700 SH DEFINED 4,700
GATX CORP COM COMMON STOCK 361448103 30 800 SH OTHER 800
GTE CORP COMMON STOCK 362320103 8004 106017 SH DEFINED 105,692 325
GTE CORP COMMON STOCK 362320103 503 6660 SH OTHER 4,232 1,000 1428
GALLAHER GROUP PLC FOREIGN STOCK 363595109 367 15022 SH DEFINED 15,022
GALLAHER GROUP PLC FOREIGN STOCK 363595109 83 3390 SH OTHER 3,390
GANNETT INC COMMON STOCK 364730101 4540 63602 SH DEFINED 59,772 3830
GANNETT INC COMMON STOCK 364730101 1276 17879 SH OTHER 16,879 1,000
GAP INC COMMON STOCK 364760108 6782 134637 SH DEFINED 132,482 2155
GAP INC COMMON STOCK 364760108 238 4725 SH OTHER 3,600 1125
GENERAL DYNAMICS CORP COMMON STOCK 369550108 485 7048 SH DEFINED 7,048
GENERAL ELECTRIC CO COMMON STOCK 369604103 110206 975274 SH DEFINED 954,520 900 19854
GENERAL ELECTRIC CO COMMON STOCK 369604103 24023 212590 SH OTHER 191,470 4,600 16520
GENERAL MILLS INC COMMON STOCK 370334104 3847 47869 SH DEFINED 47,869
GENERAL MILLS INC COMMON STOCK 370334104 1113 13848 SH OTHER 10,415 3433
GENERAL MOTORS CORP COMMON STOCK 370442105 6301 95466 SH DEFINED 92,253 150 3063
GENERAL MOTORS CORP COMMON STOCK 370442105 976 14794 SH OTHER 14,194 600
GENUINE PARTS CO COMMON STOCK 372460105 4561 130304 SH DEFINED 116,854 13450
GENUINE PARTS CO COMMON STOCK 372460105 1540 43994 SH OTHER 27,144 1,700 15150
GEORGIA PAC CORP COMMON STOCK 373298108 1117 23568 SH DEFINED 21,496 2,072
GEORGIA PAC CORP TIMBER COMMON STOCK 373298702 1434 56794 SH DEFINED 2,758 1,036 53000
GILLETTE CO COMMON STOCK 375766102 16431 400768 SH DEFINED 378,654 500 21614
GILLETTE CO COMMON STOCK 375766102 2640 64389 SH OTHER 61,589 1,700 1100
GLAXO WELLCOME PLC FOREIGN STOCK 37733W105 74 1300 SH DEFINED 1,300
GLAXO WELLCOME PLC FOREIGN STOCK 37733W105 195 3450 SH OTHER 2,450 1,000
GLOBAL MARINE INC COMMON STOCK 379352404 488 31500 SH DEFINED 31,500
GLOBAL MARINE INC COMMON STOCK 379352404 155 10000 SH OTHER 10,000
GOODYEAR TIRE & RUBBER CO COMMON STOCK 382550101 1375 23374 SH DEFINED 21,474 1900
GOODYEAR TIRE & RUBBER CO COMMON STOCK 382550101 102 1728 SH OTHER 1,728
GREAT LAKES CHEMICAL COMMON STOCK 390568103 276 6000 SH DEFINED 6,000
GULFSTREAM AEROSPACE CORP COMMON STOCK 402734107 811 12000 SH DEFINED 12,000
HALLIBURTON CO COMMON STOCK 406216101 5510 121775 SH DEFINED 118,355 3420
HALLIBURTON CO COMMON STOCK 406216101 417 9220 SH OTHER 7,220 2,000
HARLEY DAVIDSON INC COMMON STOCK 412822108 562 10330 SH DEFINED 10,000 330
HARTFORD FINL SVCS GRP INC COMMON STOCK 416515104 899 15413 SH DEFINED 15,413
HEALTHSOUTH CORP COMMON STOCK 421924101 91 6100 SH DEFINED 5,950 150
HEALTHSOUTH CORP COMMON STOCK 421924101 106 7120 SH OTHER 6,200 920
HEALTH MGMT ASSOC INC NEW COMMON STOCK 421933102 113 10000 SH DEFINED 10,000
HEINZ H J CO COMMON STOCK 423074103 5444 108614 SH DEFINED 108,164 450
HEINZ H J CO COMMON STOCK 423074103 1741 34725 SH OTHER 33,925 600 200
HERCULES INC COMMON STOCK 427056106 165 4190 SH DEFINED 4,190
HERCULES INC COMMON STOCK 427056106 47 1200 SH OTHER 1,200
HERSHEY FOODS CORP COMMON STOCK 427866108 1561 26284 SH DEFINED 25,674 350 260
HERSHEY FOODS CORP COMMON STOCK 427866108 698 11755 SH OTHER 9,655 100 2000
HEWLETT PACKARD CO COMMON STOCK 428236103 7930 78910 SH DEFINED 77,810 1100
HEWLETT PACKARD CO COMMON STOCK 428236103 1769 17600 SH OTHER 15,400 1,000 1200
HIBERNIA CORP COMMON STOCK 428656102 408 25979 SH DEFINED 25,079 900
HIBERNIA CORP COMMON STOCK 428656102 8 500 SH OTHER 500
HILLENBRAND INDS INC COMMON STOCK 431573104 203 4700 SH DEFINED 4,700
HILTON HOTELS COMMON STOCK 432848109 938 66122 SH DEFINED 7,122 59000
HOME DEPOT INC COMMON STOCK 437076102 21008 326019 SH DEFINED 323,173 2846
HOME DEPOT INC COMMON STOCK 437076102 1702 26411 SH OTHER 23,111 1,800 1500
HONEYWELL INC COMMON STOCK 438506107 1864 16090 SH DEFINED 15,950 140
HONEYWELL INC COMMON STOCK 438506107 123 1060 SH OTHER 1,060
HOST MARRIOTT CORP NEW COMMON STOCK 44107P104 1080 90964 SH DEFINED 3,831 87133
HOUSEHOLD INTNATL CORP COMMON STOCK 441815107 2288 48293 SH DEFINED 47,843 450
HOUSEHOLD INTNATL CORP COMMON STOCK 441815107 419 8845 SH OTHER 7,926 460 459
HUMAN GENOME SCIENCES INC COMMON STOCK 444903108 474 12000 SH DEFINED 12,000
ICN PHARMACEUTICALS INC COMMON STOCK 448924100 1331 41350 SH DEFINED 40,000 1350
ICOS CORP COMMON STOCK 449295104 1306 32000 SH DEFINED 32,000
IDEC PHARMACEUTICALS CORP COMMON STOCK 449370105 1850 24000 SH DEFINED 24,000
IMS HEALTH INC COMMON STOCK 449934108 328 10500 SH DEFINED 10,500
IMS HEALTH INC COMMON STOCK 449934108 50 1600 SH OTHER 1600
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 4549 55640 SH DEFINED 55,290 350
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 106 1300 SH OTHER 1,300
INACOM CORP COMMON STOCK 45323G109 995 78823 SH DEFINED 78,823
INFORMIX CORP COMMON STOCK 456779107 154 18000 SH DEFINED 18,000
INGERSOLL RAND CO COMMON STOCK 456866102 3335 51600 SH DEFINED 51,600
INSURED MUNICIPAL INC FUND MUTUAL FUND 45809F104 593 45000 SH DEFINED 45,000
INTEL CORP COMMON STOCK 458140100 43822 736501 SH DEFINED 705,497 400 30604
INTEL CORP COMMON STOCK 458140100 8031 134973 SH OTHER 104,673 4,800 25500
INTERGRAPH CORP COMMON STOCK 458683109 234 30250 SH DEFINED 30,250
INTERGRAPH CORP COMMON STOCK 458683109 27 3500 SH OTHER 3,500
INTNATL BUS MACHINES CORP COMMON STOCK 459200101 45043 348492 SH DEFINED 340,608 7884
INTNATL BUS MACHINES CORP COMMON STOCK 459200101 12172 94171 SH OTHER 45,811 4,360 44000
INTL FLAVORS & FRAGS INC COMMON STOCK 459506101 1561 35480 SH DEFINED 24,880 10600
INTL FLAVORS & FRAGS INC COMMON STOCK 459506101 317 7197 SH OTHER 7,197
INTERNATIONAL GAME TECH COMMON STOCK 459902102 185 10000 SH DEFINED 10,000
INTERNATIONAL PAPER CO COMMON STOCK 460146103 8025 159709 SH DEFINED 155,564 300 3845
INTERNATIONAL PAPER CO COMMON STOCK 460146103 1695 33723 SH OTHER 33,723
INVESTMENT GRD MUNI INCOME MUTUAL FUND 461368102 149 10000 SH DEFINED 10,000
IPALCO ENTERPRISES INC COMMON STOCK 462613100 309 14600 SH DEFINED 14,600
IPALCO ENTERPRISES INC COMMON STOCK 462613100 32 1502 SH OTHER 1,502
JEFFERSON PILOT CORP COMMON STOCK 475070108 11508 173867 SH DEFINED 160,561 13306
JEFFERSON PILOT CORP COMMON STOCK 475070108 4321 65283 SH OTHER 39,965 2,818 22500
JOHNSON & JOHNSON COMMON STOCK 478160104 45088 460084 SH DEFINED 446,872 300 12912
JOHNSON & JOHNSON COMMON STOCK 478160104 2668 27224 SH OTHER 21,624 2,100 3500
JONES APPAREL GROUP INC COMMON STOCK 480074103 480 14000 SH DEFINED 14,000
K MART CORP COMMON STOCK 482584109 411 24925 SH DEFINED 24,500 425
K MART CORP COMMON STOCK 482584109 22 1340 SH OTHER 1,340
KAYDON CORP COMMON STOCK 486587108 101 3000 SH DEFINED 3,000
KAYDON CORP COMMON STOCK 486587108 316 9400 SH OTHER 9,400
KELLOGG CO COMMON STOCK 487836108 1175 35620 SH DEFINED 35,370 250
KELLOGG CO COMMON STOCK 487836108 350 10600 SH OTHER 5,000 5600
KEMPER MUN INCOME TR MUTUAL FUND 48842C104 396 32185 SH DEFINED 31,000 1185
KEYCORP NEW COMMON STOCK 493267108 1495 46537 SH DEFINED 46,537
KEYCORP NEW COMMON STOCK 493267108 10 300 SH OTHER 300
KIMBERLY CLARK CORP COMMON STOCK 494368103 12282 215479 SH DEFINED 201,469 14010
KIMBERLY CLARK CORP COMMON STOCK 494368103 4196 73615 SH OTHER 60,315 3,300 10000
KNIGHT RIDDER INC COMMON STOCK 499040103 1839 33398 SH DEFINED 33398
KROGER CO COMMON STOCK 501044101 467 16700 SH DEFINED 16,400 300
KROGER CO COMMON STOCK 501044101 15 520 SH OTHER 520
LG AND E ENERGY CORP COMMON STOCK 501917108 670 31901 SH DEFINED 23,501 8400
LG AND E ENERGY CORP COMMON STOCK 501917108 11 500 SH OTHER 500
LANCASTER COLONY CORP COMMON STOCK 513847103 221 6393 SH DEFINED 6,323 70
LEGGETT & PLATT INC COMMON STOCK 524660107 445 16000 SH DEFINED 16,000
LEGGETT & PLATT INC COMMON STOCK 524660107 50 1800 SH OTHER 1,800
LEXMARK INTL GROUP INC COMMON STOCK 529771107 393 6000 SH DEFINED 6,000
LILLY ELI & CO COMMON STOCK 532457108 11849 165437 SH DEFINED 165,077 360
LILLY ELI & CO COMMON STOCK 532457108 3067 42818 SH OTHER 39,798 2,220 800
LIMITED INC COMMON STOCK 532716107 630 13886 SH DEFINED 13,886
LIMITED INC COMMON STOCK 532716107 23 500 SH OTHER 500
LINCOLN NATIONAL CORP IND COMMON STOCK 534187109 1170 22358 SH DEFINED 22,358
LINEAR TECHNOLOGY CORP COMMON STOCK 535678106 1211 18000 SH DEFINED 18,000
LIZ CLAIBORNE INC COMMON STOCK 539320101 202 5543 SH DEFINED 5,543
LOCKHEED MARTIN CORP COMMON STOCK 539830109 1812 48648 SH DEFINED 48,648
LOCKHEED MARTIN CORP COMMON STOCK 539830109 48 1300 SH OTHER 1,300
LOEWS CORP COMMON STOCK 540424108 712 9000 SH OTHER 9,000
LONE STAR STEAKHOUSE COMMON STOCK 542307103 347 35700 SH DEFINED 35,700
LOWES COS INC COMMON STOCK 548661107 1080 19050 SH DEFINED 18,300 750
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 59508 882410 SH DEFINED 846,577 560 35273
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 13197 195687 SH OTHER 146,339 4,696 44652
LUFKIN INDUSTRIES INC COMMON STOCK 549764108 170 8480 SH DEFINED 8,480
LUFKIN INDUSTRIES INC COMMON STOCK 549764108 735 36765 SH OTHER 36,765
MBNA CORP COMMON STOCK 55262L100 836 27313 SH DEFINED 26,513 800
MBNA CORP COMMON STOCK 55262L100 9 280 SH OTHER 280
MCI WORLDCOM INC COMMON STOCK 55268B106 36514 424273 SH DEFINED 400,075 250 23948
MCI WORLDCOM INC COMMON STOCK 55268B106 4609 53553 SH OTHER 39,653 2,250 11650
MFS MULTIMARKET INC TRUST MUTUAL FUND 552737108 66 10250 SH DEFINED 10,250
MFS MULTIMARKET INC TRUST MUTUAL FUND 552737108 4 600 SH OTHER 600
MFS GOVT MKTS INCOME TR MUTUAL FUND 552939100 98 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 1303 17220 SH DEFINED 16,895 325
MARSH & MCLENNAN COS INC COMMON STOCK 571748102 670 8850 SH OTHER 8,850
MARRIOTT INTL INC NEW COMMON STOCK 571903202 1906 51000 SH DEFINED 12,000 39000
MARRIOTT INTL INC NEW COMMON STOCK 571903202 52 1400 SH OTHER 200 1200
MASCO CORP COMMON STOCK 574599106 1499 51925 SH DEFINED 51,225 700
MASCO CORP COMMON STOCK 574599106 84 2900 SH OTHER 2,900
MATTEL, INC. COMMON STOCK 577081102 3221 123301 SH DEFINED 122,951 350
MATTEL, INC. COMMON STOCK 577081102 11 440 SH OTHER 440
MAXIM INTEGRATED PRODS INC COMMON STOCK 57772K101 1197 18000 SH DEFINED 18,000
MAY DEPT STORES CO COMMON STOCK 577778103 792 19376 SH DEFINED 19,376
MAY DEPT STORES CO COMMON STOCK 577778103 132 3234 SH OTHER 3,234
MAYTAG CORP COMMON STOCK 578592107 53132 761055 SH DEFINED 761,055
MAYTAG CORP COMMON STOCK 578592107 140 2000 SH OTHER 2,000
MCCORMICK & CO INC COMMON STOCK 579780206 734 23264 SH DEFINED 23,264
MCCORMICK & CO INC COMMON STOCK 579780206 28 888 SH OTHER 888
MCDONALDS CORP COMMON STOCK 580135101 8941 217398 SH DEFINED 215,398 2000
MCDONALDS CORP COMMON STOCK 580135101 2786 67746 SH OTHER 65,346 2400
MCGRAW-HILL COMPANIES INC COMMON STOCK 580645109 1385 25680 SH DEFINED 24,880 800
MCGRAW-HILL COMPANIES INC COMMON STOCK 580645109 432 8000 SH OTHER 8,000
MCKESSON HBOC INC COMMON STOCK 58155Q103 121 3768 SH DEFINED 3,768
MCKESSON HBOC INC COMMON STOCK 58155Q103 114 3531 SH OTHER 3,531
MEAD CORP COMMON STOCK 582834107 4637 111065 SH DEFINED 109,933 1132
MEAD CORP COMMON STOCK 582834107 3587 85922 SH OTHER 36,528 1,600 47794
MEDIAONE GROUP INC COMMON STOCK 58440J104 3141 42226 SH DEFINED 41,326 900
MEDIAONE GROUP INC COMMON STOCK 58440J104 280 3770 SH OTHER 3,156 614
MEDICAL ASSURN INC COMMON STOCK 58449U100 580 20546 SH DEFINED 17,602 2944
MEDICAL ASSURN INC COMMON STOCK 58449U100 45 1581 SH OTHER 1,556 25
MEDICIS PHARMACEUTICAL COMMON STOCK 584690309 203 8000 SH DEFINED 8,000
MEDIMMUNE INC COMMON STOCK 584699102 813 12000 SH DEFINED 12,000
MEDTRONIC INC COMMON STOCK 585055106 6464 83000 SH DEFINED 82,800 200
MEDTRONIC INC COMMON STOCK 585055106 86 1100 SH OTHER 1,100
MERCANTILE BANCORP INC COMMON STOCK 587342106 6131 107329 SH DEFINED 107,329
MERCK & CO INC COMMON STOCK 589331107 49665 674574 SH DEFINED 659,982 400 14192
MERCK & CO INC COMMON STOCK 589331107 12182 165462 SH OTHER 140,162 2,700 22600
MERRILL LYNCH & CO INC COMMON STOCK 590188108 1744 21940 SH DEFINED 21,340 600
MERRILL LYNCH & CO INC COMMON STOCK 590188108 76 950 SH OTHER 50 900
MICROSOFT CORP COMMON STOCK 594918104 82209 911527 SH DEFINED 886,880 24647
MICROSOFT CORP COMMON STOCK 594918104 4790 53106 SH OTHER 45,706 2,100 5300
MICRON TECHNOLOGY INC COMMON STOCK 595112103 622 15365 SH DEFINED 15,365
MINN MINING & MANUF CO COMMON STOCK 604059105 4360 50150 SH DEFINED 47,850 2300
MINN MINING & MANUF CO COMMON STOCK 604059105 1717 19749 SH OTHER 17,250 1,699 800
MOBIL CORP COMMON STOCK 607059102 19770 200204 SH DEFINED 185,576 300 14328
MOBIL CORP COMMON STOCK 607059102 3962 40117 SH OTHER 38,521 500 1096
MONSANTO CO COMMON STOCK 611662107 6053 153005 SH DEFINED 143,160 9845
MONSANTO CO COMMON STOCK 611662107 1328 33569 SH OTHER 32,219 900 450
MORGAN J P & CO INC COMMON STOCK 616880100 3283 23369 SH DEFINED 22,169 1200
MORGAN J P & CO INC COMMON STOCK 616880100 812 5781 SH OTHER 2,567 3,214
MORGAN STANLEY DEAN WITTER COMMON STOCK 617446448 6368 62047 SH DEFINED 61,947 100
MORGAN STANLEY DEAN WITTER COMMON STOCK 617446448 466 4536 SH OTHER 4,536
MORRISON HEALTH CARE INC COMMON STOCK 61841L108 1144 45774 SH DEFINED 35,741 10033
MORRISON HEALTH CARE INC COMMON STOCK 61841L108 581 23252 SH OTHER 20,752 2500
MOTOROLA INC LIQUID YIELD ZERO CPN BOND 620076AE9 334 200000 SH DEFINED
MOTOROLA INC COMMON STOCK 620076109 6575 69398 SH DEFINED 68,998 400
MOTOROLA INC COMMON STOCK 620076109 1687 17800 SH OTHER 17,100 700
MURPHY OIL CORP COMMON STOCK 626717102 176 3600 SH DEFINED 3,400 200
MURPHY OIL CORP COMMON STOCK 626717102 264 5412 SH OTHER 5,412
MYLAN LABORATORIES INC COMMON STOCK 628530107 533 20100 SH DEFINED 20,100
NABISCO HLDGS CORP COMMON STOCK 629526104 1376 32000 SH DEFINED 32000
NATIONAL CITY CORP COMMON STOCK 635405103 1294 19760 SH DEFINED 19,760
NATIONAL FUEL GAS CO N J COMMON STOCK 636180101 129 2658 SH DEFINED 2,658
NATIONAL FUEL GAS CO N J COMMON STOCK 636180101 169 3485 SH OTHER 3,008 477
NATIONAL WESTMINISTER BANK FOREIGN STOCK 638539403 232 1784 SH OTHER 1,784
NETWORKS ASSOCS INC COMMON STOCK 640938106 264 18000 SH OTHER 18,000
NEW CENTY ENERGIES INC COMMON STOCK 64352U103 212 5470 SH DEFINED 5,400 70
NEW CENTY ENERGIES INC COMMON STOCK 64352U103 10 250 SH OTHER 150 100
NICOR INC COMMON STOCK 654086107 213 5602 SH DEFINED 5,202 400
NICOR INC COMMON STOCK 654086107 21 550 SH OTHER 550
NIKE INC CL B COMMON STOCK 654106103 1082 17076 SH DEFINED 17,076
NIKE INC CL B COMMON STOCK 654106103 44 700 SH OTHER 300 400
NORDSTROM INC COMMON STOCK 655664100 1309 39080 SH DEFINED 38,630 450
NORDSTROM INC COMMON STOCK 655664100 10 300 SH OTHER 300
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 1039 34481 SH DEFINED 34,481
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 853 28329 SH OTHER 25,329 3000
NORTH FORK BANCORP INC NY COMMON STOCK 659424105 428 20000 SH DEFINED 20,000
NORTHERN TRUST CORP COMMON STOCK 665859104 796 8206 SH DEFINED 6,220 1986
NOVELL INC COMMON STOCK 670006105 451 17000 SH DEFINED 17,000
NOVELL INC COMMON STOCK 670006105 3 100 SH OTHER 100
NUCOR CORP COMMON STOCK 670346105 199 4187 SH DEFINED 3,387 800
NUCOR CORP COMMON STOCK 670346105 114 2400 SH OTHER 1,600 800
NUVEEN SELECT MAT MUN FD MUTUAL FUND 67061T101 82 7150 SH DEFINED 7,150
NUVEEN SELECT MAT MUN FD MUTUAL FUND 67061T101 40 3500 SH OTHER 3,500
NUVEEN PERF PLUS MUN FD MUTUAL FUND 67062P108 196 13150 SH DEFINED 13,150
NUVEEN PERF PLUS MUN FD MUTUAL FUND 67062P108 18 1202 SH OTHER 1,202
NUVEEN MUN VALUE FD INC MUTUAL FUND 670928100 170 18520 SH DEFINED 18,520
NUVEEN MUN VALUE FD INC MUTUAL FUND 670928100 24 2666 SH OTHER 2,666
NUVEEN TEX QUAL INCM MUN MUTUAL FUND 670983105 464 30300 SH DEFINED 30,300
OCCIDENTAL PETE CORP COMMON STOCK 674599105 436 20662 SH DEFINED 20,662
OFFICE DEPOT INC COMMON STOCK 676220106 1103 50000 SH DEFINED 50,000
OFFICE DEPOT INC COMMON STOCK 676220106 30 1350 SH OTHER 1,350
OLD KENT FINL CORP COMMON STOCK 679833103 586 14000 SH DEFINED 14,000
OLD REPUBLIC INTL CORP COMMON STOCK 680223104 146 8450 SH DEFINED 8,450
OLD REPUBLIC INTL CORP COMMON STOCK 680223104 1505 86944 SH OTHER 86,944
OMEGA HEALTH SYS INC COMMON STOCK 681931101 75 10000 SH DEFINED 10,000
ORACLE CORPORATION COMMON STOCK 68389X105 8229 221669 SH DEFINED 218,479 225 2965
ORACLE CORPORATION COMMON STOCK 68389X105 465 12527 SH OTHER 6,505 5,175 847
OUTBACK STEAKHOUSE INC COMMON STOCK 689899102 629 16000 SH DEFINED 16,000
PECO ENERGY COMPANY COMMON STOCK 693304107 712 16992 SH DEFINED 16,992
PECO ENERGY COMPANY COMMON STOCK 693304107 32 774 SH OTHER 440 334
PG&E CORP COMMON STOCK 69331C108 1126 34724 SH DEFINED 34,604 120
PG&E CORP COMMON STOCK 69331C108 90 2773 SH OTHER 2,723 50
PNC BANK CORPORATION COMMON STOCK 693475105 876 15200 SH DEFINED 15,200
PNC BANK CORPORATION COMMON STOCK 693475105 160 2775 SH OTHER 400 2,375
PPG INDUSTRIES INC COMMON STOCK 693506107 601 10176 SH DEFINED 9,976 200
PPG INDUSTRIES INC COMMON STOCK 693506107 579 9800 SH OTHER 9,800
PACCAR INC COMMON STOCK 693718108 72 1350 SH DEFINED 1,350
PACCAR INC COMMON STOCK 693718108 139 2604 SH OTHER 2,604
PARK PL ENTMT CORP COMMON STOCK 700690100 97 10122 SH DEFINED 10,122
PENNEY J C INC COMMON STOCK 708160106 1029 21179 SH DEFINED 20,650 529
PENNEY J C INC COMMON STOCK 708160106 100 2063 SH OTHER 2,063
PEPSICO INC COMMON STOCK 713448108 12919 333928 SH DEFINED 329,618 4310
PEPSICO INC COMMON STOCK 713448108 1526 39446 SH OTHER 35,446 2,000 2000
PHARMACIA & UPJOHN INC COMMON STOCK 716941109 1588 27950 SH DEFINED 27,159 791
PHARMACIA & UPJOHN INC COMMON STOCK 716941109 241 4250 SH OTHER 4,250
PFIZER INC COMMON STOCK 717081103 32717 300154 SH DEFINED 290,716 9438
PFIZER INC COMMON STOCK 717081103 2755 25275 SH OTHER 21,475 600 3200
PHELPS DODGE CORP COMMON STOCK 717265102 1287 20775 SH DEFINED 20,625 150
PHELPS DODGE CORP COMMON STOCK 717265102 19 300 SH OTHER 300
PHILIP MORRIS COS INC COMMON STOCK 718154107 14546 361956 SH DEFINED 359,373 900 1683
PHILIP MORRIS COS INC COMMON STOCK 718154107 3187 79304 SH OTHER 71,204 5,100 3000
PHILLIPS PETE CO COMMON STOCK 718507106 1341 26660 SH DEFINED 26,660
PHILLIPS PETE CO COMMON STOCK 718507106 47 930 SH OTHER 930
PIONEER HI BRED INTL INC COMMON STOCK 723686101 249 6400 SH DEFINED 3,700 2700
PIONEER NATURAL RESOURCES COMMON STOCK 723787107 594 54010 SH DEFINED 10 54000
PITNEY BOWES INC COMMON STOCK 724479100 4064 63250 SH DEFINED 62,750 500
PITNEY BOWES INC COMMON STOCK 724479100 835 13000 SH OTHER 13,000
PITNEY BOWES INC COMMON STOCK 724479308 2140 1945 SH DEFINED 1,945
PITNEY BOWES INC COMMON STOCK 724479308 55 50 SH OTHER 50
PRECISION STD INC COMMON STOCK 740327200 38 10000 SH DEFINED 10000
PRICE T ROWE ASSOC INC COMMON STOCK 741477103 614 16000 SH DEFINED 16,000
PROCTER & GAMBLE CO COMMON STOCK 742718109 41565 465717 SH DEFINED 460,452 300 4965
PROCTER & GAMBLE CO COMMON STOCK 742718109 6208 69554 SH OTHER 49,274 3,980 16300
PROGRESSIVE CORP OHIO COMMON STOCK 743315103 508 3500 SH DEFINED 3,500
PROTECTIVE LIFE CORP COMMON STOCK 743674103 2431 71502 SH DEFINED 70,402 1100
PROTECTIVE LIFE CORP COMMON STOCK 743674103 10099 297025 SH OTHER 296,025 1,000
PROVIDIAN FINL CORP COMMON STOCK 74406A102 1239 13286 SH DEFINED 13,011 275
PROVIDIAN FINL CORP COMMON STOCK 74406A102 962 10320 SH OTHER 10,320
PUTNAM INVT GRADE MUN TR MUTUAL FUND 746805100 436 31000 SH DEFINED 31,000
PUTNAM MANAGED MUN INCOME MUTUAL FUND 746823103 483 42449 SH DEFINED 41,000 1449
QUAKER OATS CO COMMON STOCK 747402105 911 13719 SH DEFINED 10,919 2800
QUAKER OATS CO COMMON STOCK 747402105 460 6931 SH OTHER 6,035 896
QUALCOMM INC COMMON STOCK 747525103 3566 24850 SH DEFINED 24,850
QUESTAR CORP COMMON STOCK 748356102 187 9800 SH DEFINED 9,800
QUESTAR CORP COMMON STOCK 748356102 19 1000 SH OTHER 1,000
QUINTILES TRANSNATL CORP COMMON STOCK 748767100 336 8000 SH DEFINED 8,000
QUINTILES TRANSNATL CORP COMMON STOCK 748767100 10 233 SH OTHER 233
QWEST COMM INTL INC SAL COMMON STOCK 749121109 3702 111969 SH DEFINED 88,219 23750
QWEST COMM INTL INC SAL COMMON STOCK 749121109 108 3270 SH OTHER 2,070 1,200
RATIONAL SOFTWARE CORP COMMON STOCK 75409P202 395 12000 SH DEFINED 12,000
RAYTHEON CO CL A COMMON STOCK 755111309 143 2083 SH DEFINED 2,033 12 38
RAYTHEON CO CL A COMMON STOCK 755111309 59 856 SH OTHER 818 38
RAYTHEON CO CL B COMMON STOCK 755111408 2960 41985 SH DEFINED 41,985
RAYTHEON CO CL B COMMON STOCK 755111408 101 1430 SH OTHER 630 800
REGIONS FINANCIAL CORP COMMON STOCK 758940100 177383 4614798 SH DEFINED 3,976,036 13,495 625267
REGIONS FINANCIAL CORP COMMON STOCK 758940100 85046 2212560 SH OTHER 1,737,172 44,726 430662
RELIANT ENERGY INC COMMON STOCK 75952J108 368 13310 SH DEFINED 13,093 217
RELIANT ENERGY INC COMMON STOCK 75952J108 119 4298 SH OTHER 1,300 2,998
RITE AID CORP COMMON STOCK 767754104 993 40308 SH DEFINED 38,508 1800
RITE AID CORP COMMON STOCK 767754104 34 1400 SH OTHER 600 800
ROCKWELL INTL CORP NEW COMMON STOCK 773903109 1623 26712 SH DEFINED 26,712
ROCKWELL INTL CORP NEW COMMON STOCK 773903109 100 1642 SH OTHER 1,642
ROHM & HAAS CO COMMON STOCK 775371107 188 4377 SH DEFINED 3,777 600
ROHM & HAAS CO COMMON STOCK 775371107 19 434 SH OTHER 434
ROSS STORES INC COMMON STOCK 778296103 353 7000 SH DEFINED 7,000
ROYAL DUTCH PETROLEUM CO FOREIGN STOCK 780257804 12032 199709 SH DEFINED 199,289 300 120
ROYAL DUTCH PETROLEUM CO FOREIGN STOCK 780257804 1379 22884 SH OTHER 19,784 3,100
RUBY TUESDAY INC COMMON STOCK 781182100 3754 197555 SH DEFINED 183,143 412 14000
RUBY TUESDAY INC COMMON STOCK 781182100 1021 53756 SH OTHER 48,756 5000
RUSSELL CORP COMMON STOCK 782352108 118 6045 SH DEFINED 6,045
RUSSELL CORP COMMON STOCK 782352108 275 14100 SH OTHER 14,100
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 25171 433981 SH DEFINED 426,064 450 7467
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 2513 43326 SH OTHER 37,180 5,718 428
SCI SYSTEMS INC COMMON STOCK 783890106 143 3025 SH DEFINED 3,025
SCI SYSTEMS INC COMMON STOCK 783890106 95 2000 SH OTHER 2,000
SPDR TR MUTUAL FUND 78462F103 4795 35000 SH DEFINED 35,000
SPDR TR MUTUAL FUND 78462F103 274 2000 SH OTHER 2,000
SABINE ROYALTY TRUST INT MUTUAL FUND 785688102 144 10010 SH DEFINED 10,010
SABINE ROYALTY TRUST INT MUTUAL FUND 785688102 29 2000 SH OTHER 2,000
ST PAUL COS INC COMMON STOCK 792860108 504 15846 SH DEFINED 15,846
ST PAUL COS INC COMMON STOCK 792860108 157 4948 SH OTHER 4,948
SANMINA CORP COMMON STOCK 800907107 607 8000 SH DEFINED 8,000
SARA LEE CORP COMMON STOCK 803111103 4257 187614 SH DEFINED 187,214 400
SARA LEE CORP COMMON STOCK 803111103 163 7200 SH OTHER 7,200
SCANA CORP COMMON STOCK 805898103 1508 64500 SH DEFINED 63,538 962
SCANA CORP COMMON STOCK 805898103 230 9834 SH OTHER 9,690 100 44
SCHERING-PLOUGH CORP COMMON STOCK 806605101 22926 436685 SH DEFINED 418,125 18560
SCHERING-PLOUGH CORP COMMON STOCK 806605101 1665 31710 SH OTHER 22,890 8,820
SCHLUMBERGER LTD COMMON STOCK 806857108 12804 201044 SH DEFINED 183,759 17285
SCHLUMBERGER LTD COMMON STOCK 806857108 1305 20490 SH OTHER 18,690 500 1300
SEAGRAM LTD COMMON STOCK 811850106 1159 23000 SH DEFINED 23,000
SEAGRAM LTD COMMON STOCK 811850106 242 4800 SH OTHER 4,800
SEARS ROEBUCK & CO COMMON STOCK 812387108 1907 42797 SH DEFINED 42,797
SEARS ROEBUCK & CO COMMON STOCK 812387108 317 7116 SH OTHER 4,741 2,375
SEPRACOR INC COMMON STOCK 817315104 650 8000 SH DEFINED 8,000
SERVICEMASTER CO COMMON STOCK 81760N109 575 30686 SH DEFINED 30,686
SHELL TRANS & TRADING PLC FOREIGN STOCK 822703609 181 3900 SH DEFINED 3,675 225
SHELL TRANS & TRADING PLC FOREIGN STOCK 822703609 445 9600 SH OTHER 9,600
SMITHKLINE BEECHAM P L C FOREIGN STOCK 832378301 941 14240 SH DEFINED 14,200 40
SMITHKLINE BEECHAM P L C FOREIGN STOCK 832378301 22 340 SH OTHER 340
SNAP-ON INC COMMON STOCK 833034101 302 8350 SH DEFINED 7,900 450
SNAP-ON INC COMMON STOCK 833034101 65 1800 SH OTHER 1,800
SONAT INC COMMON STOCK 835415100 307 9264 SH DEFINED 5,964 3300
SONAT INC COMMON STOCK 835415100 240 7239 SH OTHER 6,839 400
SONOCO PRODUCTS CO COMMON STOCK 835495102 138 4620 SH DEFINED 4,620
SONOCO PRODUCTS CO COMMON STOCK 835495102 1053 35162 SH OTHER 462 34,700
SOUTH ALABAMA BANCORP INC COMMON STOCK 836234104 263 19555 SH DEFINED 19,555
SOUTHERN CO COMMON STOCK 842587107 10282 387998 SH DEFINED 376,391 308 11299
SOUTHERN CO COMMON STOCK 842587107 2377 89697 SH OTHER 75,858 3,779 10060
SOUTHTRUST CORP COMMON STOCK 844730101 5655 147351 SH DEFINED 140,292 435 6624
SOUTHTRUST CORP COMMON STOCK 844730101 4842 126182 SH OTHER 113,310 851 12021
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 1800 57842 SH DEFINED 56,332 1510
SOUTHWEST AIRLINES CO COMMON STOCK 844741108 132 4250 SH OTHER 2,750 1,500
SOUTHWESTERN ENERGY CO COMMON STOCK 845467109 132 12536 SH OTHER 1,536 11,000
SOVEREIGN BANCORP INC COMMON STOCK 845905108 291 24000 SH DEFINED 24,000
SPRINT CORP (FON GROUP) COMMON STOCK 852061100 7347 138624 SH DEFINED 138,624
SPRINT CORP (FON GROUP) COMMON STOCK 852061100 525 9898 SH OTHER 9,762 136
SPRINT CORP COMMON STOCK 852061506 2336 40985 SH DEFINED 40,985
SPRINT CORP COMMON STOCK 852061506 102 1781 SH OTHER 1,747 34
STARBUCKS CORP COMMON STOCK 855244109 601 16000 SH DEFINED 16,000
STATE STR CORP COMMON STOCK 857477103 1067 12500 SH DEFINED 12,500
STATE STR CORP COMMON STOCK 857477103 683 8000 SH OTHER 8,000
STERLING BANCSHARES INC COMMON STOCK 858907108 573 42822 SH DEFINED 42,822
STEWART ENTERPRISES A COMMON STOCK 860370105 237 16264 SH DEFINED 16,264
STRIDE RITE CORP COMMON STOCK 863314100 216 20950 SH DEFINED 20,950
STRYKER CORP COMMON STOCK 863667101 729 12120 SH DEFINED 12,120
SUN MICROSYSTEMS INC COMMON STOCK 866810104 12721 184690 SH DEFINED 179,800 4890
SUN MICROSYSTEMS INC COMMON STOCK 866810104 814 11825 SH OTHER 8,925 2,900
SUNGARD DATA SYS INC COMMON STOCK 867363103 424 12290 SH DEFINED 12,290
SUNOCO INC COMMON STOCK 86764P109 261 8646 SH DEFINED 8,646
SUNTRUST BANKS INC COMMON STOCK 867914103 2996 43140 SH DEFINED 43,140
SUNTRUST BANKS INC COMMON STOCK 867914103 4412 63534 SH OTHER 18,314 1,300 43920
SYMBOL TECHNOLOGIES INC COMMON STOCK 871508107 443 12000 SH DEFINED 12,000
SYNOPSYS INC COMMON STOCK 871607107 331 6000 SH DEFINED 6,000
SYNOVUS FINANCIAL CORP COMMON STOCK 87161C105 1091 54878 SH DEFINED 29,620 450 24808
SYNOVUS FINANCIAL CORP COMMON STOCK 87161C105 4428 222785 SH OTHER 217,965 1,405 3415
SYSCO CORP COMMON STOCK 871829107 2274 76286 SH DEFINED 73,456 2830
SYSCO CORP COMMON STOCK 871829107 423 14200 SH OTHER 13,800 400
TCA CABLE TV INC COMMON STOCK 872241104 500 9000 SH DEFINED 9,000
TCBY ENTERPRISES INC COMMON STOCK 872245105 2203 359667 SH DEFINED 3,350 356317
TECO ENERGY INC COMMON STOCK 872375100 381 16740 SH DEFINED 16,740
TECO ENERGY INC COMMON STOCK 872375100 473 20784 SH OTHER 18,648 2,136
TRW INC COMMON STOCK 872649108 1199 21851 SH DEFINED 21,651 200
TRW INC COMMON STOCK 872649108 220 4000 SH OTHER 4,000
TANDY CORP COMMON STOCK 875382103 2004 41000 SH DEFINED 41,000
TANDY CORP COMMON STOCK 875382103 332 6800 SH OTHER 6,800
TELEFONICA S. A. FOREIGN STOCK 879382208 567 3854 SH DEFINED 3,854
TELEPHONE & DATA SYS INC COMMON STOCK 879433100 13014 177975 SH DEFINED 177975
TELLABS INC COMMON STOCK 879664100 15078 223165 SH DEFINED 221,985 1180
TELLABS INC COMMON STOCK 879664100 17 250 SH OTHER 250
TEMPLETON GLOBAL INC FD COMMON STOCK 880198106 60 9081 SH DEFINED 2,581 6500
TEMPLETON GLOBAL INC FD COMMON STOCK 880198106 7 1000 SH OTHER 1000
TEXACO INC COMMON STOCK 881694103 11759 188527 SH DEFINED 177,384 1,438 9705
TEXACO INC COMMON STOCK 881694103 752 12052 SH OTHER 9,432 1,870 750
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 11019 76522 SH DEFINED 76,522
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 590 4100 SH OTHER 4,000 100
TEXAS UTILITIES CO COMMON STOCK 882848104 1485 35825 SH DEFINED 35,809 16
TEXAS UTILITIES CO COMMON STOCK 882848104 120 2901 SH OTHER 2,901
TEXTRON INC COMMON STOCK 883203101 654 7950 SH DEFINED 7,950
TEXTRON INC COMMON STOCK 883203101 823 10000 SH OTHER 10000
TIFFANY & CO NEW COM COMMON STOCK 886547108 579 6000 SH DEFINED 6,000
TIME WARNER INC COMMON STOCK 887315109 5091 70094 SH DEFINED 69,414 680
TIME WARNER INC COMMON STOCK 887315109 62 860 SH OTHER 160 300 400
TOOTSIE ROLL INDS INC COMMON STOCK 890516107 205 5309 SH DEFINED 5,309
TORCHMARK CORP COMMON STOCK 891027104 6898 202151 SH DEFINED 193,969 8182
TORCHMARK CORP COMMON STOCK 891027104 10374 304006 SH OTHER 297,528 1,394 5084
TRANSAMERICA CORP COMMON STOCK 893485102 842 11228 SH DEFINED 11,228
TRIBUNE CO NEW COMMON STOCK 896047107 871 10000 SH DEFINED 10,000
TRIZEC HAHN CORPORATION FOREIGN STOCK 896938107 1445 70900 SH DEFINED 70900
TRUSTMARK CORP COMMON STOCK 898402102 885 38710 SH DEFINED 38,710
TYCO INTL LTD NEW COMMON STOCK 902124106 12746 134522 SH DEFINED 125,959 8563
TYCO INTL LTD NEW COMMON STOCK 902124106 1863 19660 SH OTHER 17,960 1,700
TYSON FOODS CLASS A COMMON STOCK 902494103 1864 82851 SH DEFINED 82,851
TYSON FOODS CLASS A COMMON STOCK 902494103 101 4500 SH OTHER 4,500
UST INC COMMON STOCK 902911106 1515 51679 SH DEFINED 51,179 500
UST INC COMMON STOCK 902911106 70 2400 SH OTHER 2,400
US BANCORP DEL COMMON STOCK 902973106 3111 93202 SH DEFINED 93,202
UNION PACIFIC CORP COMMON STOCK 907818108 4053 69499 SH DEFINED 68,999 500
UNION PACIFIC CORP COMMON STOCK 907818108 301 5157 SH OTHER 3,835 316 1006
UNION PAC RES GROUP INC COMMON STOCK 907834105 384 23515 SH DEFINED 23,515
UNION PAC RES GROUP INC COMMON STOCK 907834105 22 1321 SH OTHER 1,321
UNION PLANTERS CORP COMMON STOCK 908068109 67 1497 SH DEFINED 1,247 250
UNION PLANTERS CORP COMMON STOCK 908068109 4969 111201 SH OTHER 34,749 76452
UNISYS CORP COMMON STOCK 909214108 501 12871 SH DEFINED 12,871
UNISYS CORP COMMON STOCK 909214108 19 494 SH OTHER 494
UNITED HEALTHCARE CORP COMMON STOCK 910581107 2789 44529 SH DEFINED 8,029 36500
U S WEST INC NEW COMMON STOCK 91273H101 2398 40815 SH DEFINED 39,275 1540
U S WEST INC NEW COMMON STOCK 91273H101 284 4836 SH OTHER 4,108 630 98
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 5432 75438 SH DEFINED 71,538 3900
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 924 12836 SH OTHER 11,236 1,600
UNOCAL CORP COMMON STOCK 915289102 995 25098 SH DEFINED 25,098
V F CORP COMMON STOCK 918204108 2988 69887 SH DEFINED 69,737 150
V F CORP COMMON STOCK 918204108 616 14400 SH OTHER 14,400
VAN KAMPEN MUNICIPAL TR II MUTUAL FUND 920944105 130 10050 SH OTHER 3,350 6,700
VENATOR GROUP INC COMMON STOCK 922944103 134 12800 SH DEFINED 12,800
VIAD CORP COMMON STOCK 92552R109 779 25172 SH DEFINED 25,172
VIAD CORP COMMON STOCK 92552R109 88 2854 SH OTHER 2,600 254
VIACOM INC COMMON STOCK 925524308 2170 49312 SH DEFINED 44,634 4,678
VIACOM INC COMMON STOCK 925524308 9 200 SH OTHER 200
VITESSE SEMICONDUCTOR CORP COMMON STOCK 928497106 809 12000 SH DEFINED 12,000
VODAFONE AIRTOUCH PLC, FOREIGN STOCK 92857T107 3230 16393 SH DEFINED 2,953 13440
VODAFONE AIRTOUCH PLC, FOREIGN STOCK 92857T107 376 1907 SH OTHER 1,117 182 608
VULCAN MATERIALS CO COMMON STOCK 929160109 9544 197804 SH DEFINED 197,156 648
VULCAN MATERIALS CO COMMON STOCK 929160109 5657 117235 SH OTHER 54,325 600 62310
WACHOVIA CORP COMMON STOCK 929771103 2615 30558 SH DEFINED 30,198 360
WACHOVIA CORP COMMON STOCK 929771103 687 8032 SH OTHER 5,736 240 2056
WADDELL & REED FINL INC A COMMON STOCK 930059100 138 5025 SH DEFINED 5,025
WADDELL & REED FINL INC A COMMON STOCK 930059100 352 12769 SH OTHER 12,482 33 254
WADDELL & REED FINL INC B COMMON STOCK 930059209 586 21686 SH DEFINED 21,686
WADDELL & REED FINL INC B COMMON STOCK 930059209 1458 54000 SH OTHER 52,758 145 1097
WAL MART STORES INC COMMON STOCK 931142103 43353 898508 SH DEFINED 890,889 300 7319
WAL MART STORES INC COMMON STOCK 931142103 5566 115362 SH OTHER 82,648 32,714
WALGREEN CO COMMON STOCK 931422109 3879 132050 SH DEFINED 132,050
WARNER LAMBERT CO COMMON STOCK 934488107 8202 118649 SH DEFINED 117,424 250 975
WARNER LAMBERT CO COMMON STOCK 934488107 481 6953 SH OTHER 6,753 200
WASHINGTON MUTUAL INC COMMON STOCK 939322103 1447 40686 SH DEFINED 40,420 266
WASHINGTON MUTUAL INC COMMON STOCK 939322103 12 336 SH OTHER 336
WASHINGTON POST CO CLASS B COMMON STOCK 939640108 645 1200 SH DEFINED 1,200
WASTE MANAGEMENT COM COMMON STOCK 94106L109 5979 111237 SH DEFINED 89,453 21784
WASTE MANAGEMENT COM COMMON STOCK 94106L109 43 801 SH OTHER 801
WEATHERFORD INTL INC NEW COMMON STOCK 947074100 630 17200 SH DEFINED 17,200
WELLS FARGO & CO NEW COMMON STOCK 949746101 11351 265525 SH DEFINED 265,225 300
WELLS FARGO & CO NEW COMMON STOCK 949746101 675 15800 SH OTHER 14,600 1,200
WEYERHAEUSER CO COMMON STOCK 962166104 1297 18861 SH DEFINED 18,645 116 100
WEYERHAEUSER CO COMMON STOCK 962166104 97 1404 SH OTHER 1,404
WILLIAMS COS INC COMMON STOCK 969457100 2196 51605 SH DEFINED 41,700 9905
WILLIAMS COS INC COMMON STOCK 969457100 13 300 SH OTHER 300
WILMINGTON TR CORP COMMON STOCK 971807102 344 6000 SH DEFINED 6,000
WINN DIXIE STORES INC COMMON STOCK 974280109 117 3170 SH DEFINED 3,170
WINN DIXIE STORES INC COMMON STOCK 974280109 243 6574 SH OTHER 6,574
WISCONSIN ENERGY CORP COMMON STOCK 976657106 724 28900 SH DEFINED 28,180 720
WISCONSIN ENERGY CORP COMMON STOCK 976657106 56 2236 SH OTHER 2,236
WRIGLEY WM JR CO COMMON STOCK 982526105 2825 31671 SH DEFINED 31,671
WRIGLEY WM JR CO COMMON STOCK 982526105 593 6650 SH OTHER 6,650
XILINX INC COMMON STOCK 983919101 687 12000 SH DEFINED 12,000
XEROX CORP COMMON STOCK 984121103 8139 137804 SH DEFINED 137,254 550
XEROX CORP COMMON STOCK 984121103 390 6600 SH OTHER 5,700 900
YAHOO INC COMMON STOCK 984332106 448 2600 SH DEFINED 600 2000
YAHOO INC COMMON STOCK 984332106 34 200 SH OTHER 200
ZALE CORP NEW COMMON STOCK 988858106 1000 25000 SH DEFINED 24,000 1000
ZALE CORP NEW COMMON STOCK 988858106 32 800 SH OTHER 800
</TABLE>
