<PAGE>
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
Form 13F COVER PAGE
Report for the Quarter Ended: March 31, 2000
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 May 11, 2000
[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
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Form 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 825
Form 13F Information Table Value Total: $3,260,311(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.
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Form 13F INFORMATION TABLE
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<S> <C> <C> <C> <C> <C> <C> <C> <C>
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 8
NAME OF ISSUER TITLE OF CLASS CUSIP VALUE SHRS OR SH/ PUT/ INVESTMENT VOTING AUTHORITY
(THOUSANDS) PRN AMT PRN CALL DISCRETION SOLE SHARED NONE
DAIMLERCHRYSLER AG ORD D1668R123 210 3,215 SH DEFINED 3,215
DAIMLERCHRYSLER AG ORD D1668R123 33 500 SH OTHER 189 311
GLOBAL CROSSING LTD COM G3921A100 3,098 75,666 SH DEFINED 65,129 10,537
GLOBAL CROSSING LTD COM G3921A100 39 950 SH OTHER 950
HILFIGER TOMMY CORP ORD G8915Z102 357 24,652 SH DEFINED 24,652
TRANSOCEAN SEDCO FOREX INC ORD G90078109 926 18,055 SH DEFINED 17,769 286
TRANSOCEAN SEDCO FOREX INC ORD G90078109 117 2,274 SH OTHER 2,083 96 95
AFLAC INC COM 001055102 12,495 274,229 SH DEFINED 269,715 4,514
AFLAC INC COM 001055102 167 3,655 SH OTHER 1,005 850 1,800
AGL RES INC COM 001204106 33 1,800 SH DEFINED 1,800
AGL RES INC COM 001204106 310 16,872 SH OTHER 12,900 2,972 1,000
AES CORP COM 00130H105 1,256 15,954 SH DEFINED 15,900 54
AMR CORP DEL COM 001765106 415 13,025 SH DEFINED 12,975 50
AMR CORP DEL COM 001765106 49 1,540 SH OTHER 1,540
A T & T CORP COM 001957109 23,679 420,490 SH DEFINED 389,280 957 30,253
A T & T CORP COM 001957109 3,846 68,295 SH OTHER 57,563 3,995 6,737
ABBOTT LABORATORIES COM 002824100 9,169 260,561 SH DEFINED 259,506 1,055
ABBOTT LABORATORIES COM 002824100 1,133 32,189 SH OTHER 16,880 15,309
ABERCROMBIE & FITCH CO CL A 002896207 1,516 94,758 SH DEFINED 94,283 475
ACXIOM CORP COM 005125109 403 12,135 SH DEFINED 12,135
ACXIOM CORP COM 005125109 108 3,250 SH OTHER 250 800 2,200
ADTRAN INC COM 00738A106 511 8,600 SH DEFINED 8,400 200
AEGON N V ORD AMER REG 007924103 876 10,884 SH DEFINED 10,884
AEGON N V ORD AMER REG 007924103 803 9,970 SH OTHER 5,974 3,996
AETNA INC COM 008117103 809 14,584 SH DEFINED 7,584 7,000
AETNA INC COM 008117103 50 900 SH OTHER 900
AIR PRODS & CHEMS INC COM 009158106 629 22,107 SH DEFINED 19,975 2,132
AIR PRODS & CHEMS INC COM 009158106 90 3,176 SH OTHER 2,176 1,000
AKZO NOBEL N. V. SPONSORED ADR 010199305 219 5,096 SH DEFINED 5,096
ALBERTSONS INC COM 013104104 831 26,927 SH DEFINED 26,864 63
ALBERTSONS INC COM 013104104 6 200 SH OTHER 200
ALCOA INC COM 013817101 2,623 37,336 SH DEFINED 36,994 342
ALCOA INC COM 013817101 35 500 SH OTHER 500
ALEXANDER & BALDWIN INC COM 014482103 780 37,800 SH DEFINED 37,800
ALFA CORP COM 015385107 822 46,314 SH DEFINED 20,314 26,000
ALFA CORP COM 015385107 12 698 SH OTHER 698
ALLEGHENY ENERGY INC COM 017361106 175 6,310 SH DEFINED 6,310
ALLEGHENY ENERGY INC COM 017361106 39 1,400 SH OTHER 600 800
ALLIANCE CAP MGMT HLDG UNIT LTD PARTN 01855A101 483 11,650 SH DEFINED 11,650
ALLIANCE CAP MGMT HLDG UNIT LTD PARTN 01855A101 41 1,000 SH OTHER 1,000
ALLIED WASTE INDS INC COM PAR $.01NEW 019589308 197 30,000 SH DEFINED 30,000
ALLSTATE CORP COM 020002101 2,734 114,799 SH DEFINED 112,999 1,800
ALLSTATE CORP COM 020002101 349 14,664 SH OTHER 9,342 5,322
ALLTEL CORP COM 020039103 12,296 194,981 SH DEFINED 194,431 550
ALLTEL CORP COM 020039103 816 12,945 SH OTHER 12,929 16
ALTERA CORP COM 021441100 4,106 46,000 SH DEFINED 46,000
AMEREN CORP COM 023608102 222 7,183 SH DEFINED 7,183
AMEREN CORP COM 023608102 25 800 SH OTHER 800
AMERICA ONLINE INC DEL COM 02364J104 30,142 446,956 SH DEFINED 421,451 400 25,105
AMERICA ONLINE INC DEL COM 02364J104 957 14,184 SH OTHER 11,980 1,504 700
AMERICAN EAGLE OUTFITTERS NEW COM 02553E106 379 10,000 SH DEFINED 10,000
AMERICAN ELECTRIC PWR INC COM 025537101 267 8,948 SH DEFINED 8,648 300
AMERICAN ELECTRIC PWR INC COM 025537101 9 286 SH OTHER 25 261
AMERICAN EXPRESS CO COM 025816109 15,748 105,737 SH DEFINED 102,857 2,880
AMERICAN EXPRESS CO COM 025816109 2,093 14,055 SH OTHER 9,817 500 3,738
AMERICAN GENERAL CORP COM 026351106 2,415 43,025 SH DEFINED 42,950 75
AMERICAN GENERAL CORP COM 026351106 202 3,600 SH OTHER 3,300 150 150
AMERICAN GREETINGS CORP CL A 026375105 288 15,800 SH DEFINED 10,400 5,400
AMERICAN HOME PRODS CORP COM 026609107 31,536 586,724 SH DEFINED 559,393 27,331
AMERICAN HOME PRODS CORP COM 026609107 7,613 141,630 SH OTHER 134,800 2,500 4,330
AMERICAN INTL GROUP INC COM 026874107 44,330 404,839 SH DEFINED 403,132 1,707
AMERICAN INTL GROUP INC COM 026874107 1,969 17,986 SH OTHER 12,244 632 5,110
AMERICAN PWR CONVERSION CORP COM 029066107 3,400 79,300 SH DEFINED 79,300
AMERICAN PWR CONVERSION CORP COM 029066107 51 1,200 SH OTHER 1,200
AMERICAN STD COS INC DEL COM 029712106 666 18,000 SH DEFINED 18,000
AMGEN INC COM 031162100 13,545 220,694 SH DEFINED 219,379 1,315
AMGEN INC COM 031162100 224 3,653 SH OTHER 2,840 278 535
AMSOUTH BANCORPORATION COM 032165102 8,140 544,911 SH DEFINED 475,229 69,682
AMSOUTH BANCORPORATION COM 032165102 4,958 331,905 SH OTHER 231,571 5,000 95,334
ANHEUSER BUSCH COS INC COM 035229103 4,478 71,940 SH DEFINED 71,415 525
ANHEUSER BUSCH COS INC COM 035229103 696 11,173 SH OTHER 10,273 300 600
AON CORP COM 037389103 780 24,175 SH DEFINED 11,175 13,000
APPLIED MATLS INC COM 038222105 1,255 13,315 SH DEFINED 12,275 1,040
APPLIED MATLS INC COM 038222105 113 1,200 SH OTHER 1,200
ASSOCIATES FIRST CAP CORP CL A 046008108 1,152 53,888 SH DEFINED 53,810 78
ASSOCIATES FIRST CAP CORP CL A 046008108 88 4,124 SH OTHER 3,898 26 200
ASTRAZENECA PLC SPONSORED ADR 046353108 243 6,000 SH DEFINED 6,000
ATLANTIC RICHFIELD CO COM 048825103 4,775 56,173 SH DEFINED 55,468 480 225
ATLANTIC RICHFIELD CO COM 048825103 1,324 15,579 SH OTHER 7,856 6,590 1,133
ATMEL CORP COM 049513104 1,652 32,000 SH DEFINED 32,000
ATMEL CORP COM 049513104 3 50 SH OTHER 50
AUBURN NATL BANCORP COM 050473107 1 100 SH DEFINED 100
AUBURN NATL BANCORP COM 050473107 685 50,310 SH OTHER 50,310
AUTOMATIC DATA PROCESSING INC COM 053015103 6,400 132,634 SH DEFINED 132,269 365
AUTOMATIC DATA PROCESSING INC COM 053015103 906 18,780 SH OTHER 13,880 2,900 2,000
AVERY DENNISON CORP COM 053611109 168 2,754 SH DEFINED 2,754
AVERY DENNISON CORP COM 053611109 397 6,500 SH OTHER 5,400 1,100
AVNET INC COM 053807103 1,909 30,300 SH DEFINED 30,000 300
AVON PRODS INC COM 054303102 387 13,243 SH DEFINED 12,993 250
BB&T CORP COM 054937107 421 15,000 SH DEFINED 15,000
BJS WHSL CLUB INC COM 05548J106 768 20,000 SH DEFINED 20,000
BP AMOCO PLC SPONSORED ADR 055622104 9,779 183,641 SH DEFINED 176,499 7,142
BP AMOCO PLC SPONSORED ADR 055622104 2,455 46,102 SH OTHER 46,102
BMC SOFTWARE INC COM 055921100 5,747 116,390 SH DEFINED 114,690 1,700
BMC SOFTWARE INC COM 055921100 96 1,950 SH OTHER 850 1,100
BAKER HUGHES INC COM 057224107 859 28,383 SH DEFINED 27,583 800
BANK AMER CORP COM 060505104 12,552 239,372 SH DEFINED 229,041 10,331
BANK AMER CORP COM 060505104 15,941 304,000 SH OTHER 289,400 14,000 600
BANK NEW YORK INC COM 064057102 3,062 73,677 SH DEFINED 73,497 180
BANK NEW YORK INC COM 064057102 501 12,060 SH OTHER 12,060
BANK ONE CORP COM 06423A103 3,205 93,245 SH DEFINED 91,613 1,632
BANK ONE CORP COM 06423A103 457 13,298 SH OTHER 8,248 3,550 1,500
BARRICK GOLD CORP COM 067901108 1,316 83,855 SH DEFINED 83,025 830
BARRICK GOLD CORP COM 067901108 16 1,000 SH OTHER 1,000
BAXTER INTERNATIONAL INC COM 071813109 1,442 23,009 SH DEFINED 22,919 90
BAXTER INTERNATIONAL INC COM 071813109 309 4,935 SH OTHER 3,995 940
BEAR STEARNS COS INC COM 073902108 481 10,548 SH DEFINED 10,548
BEAR STEARNS COS INC COM 073902108 54 1,177 SH OTHER 1,177
BECTON DICKINSON & CO COM 075887109 258 9,800 SH DEFINED 9,800
BECTON DICKINSON & CO COM 075887109 30 1,148 SH OTHER 1,008 140
BELL ATLANTIC CORP COM 077853109 14,114 230,903 SH DEFINED 214,949 15,954
BELL ATLANTIC CORP COM 077853109 1,600 26,177 SH OTHER 18,010 6,385 1,782
BELLSOUTH CORP COM 079860102 19,667 419,562 SH DEFINED 405,286 450 13,826
BELLSOUTH CORP COM 079860102 6,166 131,534 SH OTHER 113,242 11,560 6,732
BERKSHIRE HATHAWAY INC DEL CL A 084670108 515 9 SH DEFINED 7 2
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,144 20 SH OTHER 20
BERKSHIRE HATHAWAY INC DEL CL B 084670207 1,620 890 SH DEFINED 885 5
BERKSHIRE HATHAWAY INC DEL CL B 084670207 459 252 SH OTHER 247 5
BEST BUY INC COM 086516101 1,367 15,900 SH DEFINED 15,550 350
BEST BUY INC COM 086516101 41 473 SH OTHER 133 340
BESTFOODS COM 08658U101 2,293 48,984 SH DEFINED 48,080 904
BESTFOODS COM 08658U101 1,133 24,207 SH OTHER 17,707 1,400 5,100
BIOCRYST PHARMACEUTICALS INC COM 09058V103 131 4,800 SH DEFINED 4,800
BIOCRYST PHARMACEUTICALS INC COM 09058V103 3,006 110,054 SH OTHER 2,000 108,054
BIOGEN INC COM 090597105 3,141 44,949 SH DEFINED 44,925 24
BIOGEN INC COM 090597105 3 50 SH OTHER 50
BLACKROCK INSD MUN TERM TR INC COM 092474105 241 25,000 SH DEFINED 25,000
BLOCK H & R INC COM 093671105 121 2,700 SH DEFINED 2,200 500
BLOCK H & R INC COM 093671105 90 2,000 SH OTHER 2,000
BLOUNT INTL INC NEW COM 095180105 153 11,878 SH DEFINED 11,878
BLOUNT INTL INC NEW COM 095180105 616 47,851 SH OTHER 47,851
BOCA RESH INC COM 096888102 61 10,000 SH OTHER 10,000
BOEING CO COM 097023105 3,087 81,638 SH DEFINED 80,730 908
BOEING CO COM 097023105 7,073 187,065 SH OTHER 184,577 2,488
BOSTON PPTYS INC COM 101121101 1,002 31,500 SH DEFINED 31,500
BOSTON SCIENTIFIC CORP COM 101137107 277 13,000 SH OTHER 13,000
BRISTOL MYERS SQUIBB CO COM 110122108 44,965 775,267 SH DEFINED 752,087 250 22,930
BRISTOL MYERS SQUIBB CO COM 110122108 7,334 126,450 SH OTHER 108,250 6,400 11,800
BROADCOM CORPORATION CL A 111320107 370 1,524 SH DEFINED 1,500 24
BROADWING INC COM 111620100 2,247 60,435 SH DEFINED 60,435
BROADWING INC COM 111620100 16 432 SH OTHER 432
BURLINGTON NORTHN SANTA FE CORP COM 12189T104 917 40,324 SH DEFINED 40,324
BURLINGTON NORTHN SANTA FE CORP COM 12189T104 259 11,394 SH OTHER 7,119 4,275
BURLINGTON RESOURCES INC COM 122014103 1,387 37,483 SH DEFINED 34,662 2,821
BURLINGTON RESOURCES INC COM 122014103 209 5,640 SH OTHER 3,486 2,154
CBS CORP COM 12490K107 2,899 51,196 SH DEFINED 51,196
CBS CORP COM 12490K107 11 200 SH OTHER 200
CIGNA CORP COM 125509109 780 10,300 SH DEFINED 10,300
CIGNA CORP COM 125509109 166 2,196 SH OTHER 2,196
CSX CORP COM 126408103 511 21,740 SH DEFINED 21,740
CSX CORP COM 126408103 73 3,120 SH OTHER 3,120
CADENCE DESIGN SYS INC COM 127387108 1,444 70,000 SH DEFINED 70,000
CALPINE CORP COM 131347106 1,692 18,000 SH DEFINED 18,000
CAMPBELL SOUP CO COM 134429109 271 8,800 SH DEFINED 8,200 600
CAMPBELL SOUP CO COM 134429109 68 2,200 SH OTHER 1,200 800 200
CANADIAN PACIFIC LTD COM 135923100 1,186 53,000 SH DEFINED 2,000 51,000
CARNIVAL CORP COM 143658102 682 27,500 SH DEFINED 27,500
CATALINA MARKETING CORP COM 148867104 238 2,355 SH DEFINED 2,355
CATELLUS DEV CORP COM 149111106 987 71,136 SH DEFINED 136 71,000
CATERPILLAR INC COM 149123101 1,304 33,056 SH DEFINED 31,306 1,750
CATERPILLAR INC COM 149123101 185 4,702 SH OTHER 4,702
CENDANT CORP COM 151313103 785 42,437 SH DEFINED 42,437
CENTRAL & SOUTH WEST CORP COM 152357109 507 29,593 SH DEFINED 29,593
CENTRAL & SOUTH WEST CORP COM 152357109 39 2,250 SH OTHER 2,150 100
CENTURYTEL INC COM 156700106 756 20,373 SH DEFINED 13,146 7,227
CENTURYTEL INC COM 156700106 35 945 SH OTHER 945
CHAMPION INTL CORP COM 158525105 90 1,697 SH DEFINED 1,697
CHAMPION INTL CORP COM 158525105 983 18,457 SH OTHER 18,457
CHASE MANHATTAN CORP NEW COM 16161A108 8,369 95,984 SH DEFINED 95,484 500
CHASE MANHATTAN CORP NEW COM 16161A108 184 2,116 SH OTHER 2,116
CHECKFREE HLDGS CORP COM 162816102 423 6,000 SH DEFINED 6,000
CHEVRON CORP COM 166751107 15,350 166,061 SH DEFINED 163,621 2,440
CHEVRON CORP COM 166751107 3,218 34,818 SH OTHER 27,177 3,481 4,160
CHIRON CORP COM 170040109 3,703 74,250 SH DEFINED 74,250
CHIRON CORP COM 170040109 50 1,000 SH OTHER 1,000
CHUBB CORP COM 171232101 2,014 29,810 SH DEFINED 29,810
CIRCUIT CITY STORES CIRCT CITY GRP 172737108 4,432 72,798 SH DEFINED 72,313 485
CIRCUIT CITY STORES CIRCT CITY GRP 172737108 814 13,375 SH OTHER 1,575 200 11,600
CISCO SYS INC COM 17275R102 101,006 1,306,455 SH DEFINED 1,257,033 600 48,822
CISCO SYS INC COM 17275R102 2,516 32,539 SH OTHER 23,999 6,670 1,870
CITIGROUP INC COM 172967101 26,504 442,655 SH DEFINED 419,108 23,547
CITIGROUP INC COM 172967101 4,578 76,455 SH OTHER 68,158 2,322 5,975
CITIZENS UTILITIES CO DEL CL B 177342201 164 10,034 SH DEFINED 10,034
CLEAR CHANNEL COMMUNICATIONS COM 184502102 898 13,000 SH DEFINED 13,000
CLOROX CO COM 189054109 3,511 106,406 SH DEFINED 89,876 16,530
CLOROX CO COM 189054109 268 8,133 SH OTHER 4,733 3,000 400
COCA COLA CO COM 191216100 86,256 1,837,667 SH DEFINED 1,787,524 850 49,293
COCA COLA CO COM 191216100 88,243 1,880,000 SH OTHER 1,823,774 39,496 16,730
COCA COLA ENTERPRISES INC COM 191219104 4,597 213,192 SH DEFINED 45,440 167,752
COCA COLA ENTERPRISES INC COM 191219104 48,823 2,264,213 SH OTHER 2,264,213
COLGATE PALMOLIVE CO COM 194162103 10,687 189,563 SH DEFINED 183,425 6,138
COLGATE PALMOLIVE CO COM 194162103 15,030 266,608 SH OTHER 264,208 1,600 800
COLONIAL BANCGROUP INC COM 195493309 195 18,166 SH DEFINED 14,166 4,000
COLONIAL BANCGROUP INC COM 195493309 137 12,784 SH OTHER 12,784
COLONIAL PPTYS TR COM SH BEN INT 195872106 149 6,285 SH DEFINED 6,285
COLONIAL PPTYS TR COM SH BEN INT 195872106 270 11,350 SH OTHER 10,550 800
COLUMBIA/HCA HEALTHCARE CORP COM 197677107 1,418 56,000 SH DEFINED 56,000
COMDISCO INC COM 200336105 1,765 40,000 SH DEFINED 40,000
COMERICA INC COM 200340107 293 7,000 SH DEFINED 7,000
COMPAQ COMPUTER CORP COM 204493100 3,241 121,169 SH DEFINED 117,519 200 3,450
COMPAQ COMPUTER CORP COM 204493100 780 29,148 SH OTHER 27,511 1,600 37
COMPASS BANCSHARES, INC. COM 20449H109 2,242 112,471 SH DEFINED 100,927 11,544
COMPASS BANCSHARES, INC. COM 20449H109 2,127 106,705 SH OTHER 106,705
COMPUTER ASSOC INTL INC COM 204912109 4,340 73,325 SH DEFINED 73,075 250
COMPUTER ASSOC INTL INC COM 204912109 53 900 SH OTHER 900
COMPUTER SCIENCES CORP COM 205363104 4,893 61,835 SH DEFINED 60,760 1,075
COMPUTER SCIENCES CORP COM 205363104 16 200 SH OTHER 100 100
COMPUWARE CORP COM 205638109 2,191 104,000 SH DEFINED 104,000
COMVERSE TECHNOLOGY INC COM PAR $0.10 205862402 412 2,180 SH DEFINED 2,120 60
COMVERSE TECHNOLOGY INC COM PAR $0.10 205862402 284 1,500 SH OTHER 1,500
CONAGRA INC COM 205887102 590 32,575 SH DEFINED 32,575
CONAGRA INC COM 205887102 217 11,962 SH OTHER 11,562 200 200
CONCORD EFS INC COM 206197105 459 20,000 SH DEFINED 20,000
CONEXANT SYS INC COM 207142100 1,179 16,606 SH DEFINED 16,568 38
CONEXANT SYS INC COM 207142100 104 1,466 SH OTHER 1,466
CONOCO INC CL B 208251405 1,938 75,623 SH DEFINED 75,423 200
CONOCO INC CL B 208251405 69 2,706 SH OTHER 2,706
CONSECO INC COM 208464107 588 51,428 SH DEFINED 49,203 2,225
CONSECO INC COM 208464107 61 5,312 SH OTHER 2,512 2,800
CONSOLIDATED EDISON INC COM 209115104 1,006 34,554 SH DEFINED 34,554
CONSOLIDATED EDISON INC COM 209115104 73 2,500 SH OTHER 2,500
CONVERGYS CORP COM 212485106 1,851 47,835 SH DEFINED 47,835
CONVERGYS CORP COM 212485106 6 160 SH OTHER 160
COOPER CAMERON CORP COM 216640102 1,530 22,885 SH DEFINED 21,860 1,025
COOPER CAMERON CORP COM 216640102 42 625 SH OTHER 325 300
CORNING INC COM 219350105 10,505 54,151 SH DEFINED 53,193 958
CORNING INC COM 219350105 733 3,776 SH OTHER 3,376 400
COSTCO WHSL CORP COM 22160K105 1,725 32,812 SH DEFINED 32,640 172
COSTCO WHSL CORP COM 22160K105 347 6,600 SH OTHER 300 6,300
CROWN CORK & SEAL INC COM 228255105 714 44,600 SH DEFINED 43,800 800
CROWN CORK & SEAL INC COM 228255105 13 800 SH OTHER 800
CYPRESS SEMICONDUCTOR CORP COM 232806109 991 20,112 SH DEFINED 20,000 112
DANA CORP COM 235811106 293 10,388 SH DEFINED 10,388
DANA CORP COM 235811106 26 920 SH OTHER 920
DEERE & CO COM 244199105 672 17,680 SH DEFINED 17,555 125
DEERE & CO COM 244199105 156 4,100 SH OTHER 2,400 1,500 200
DELHAIZE AMER INC CL B 246688204 226 11,358 SH DEFINED 11,292 66
DELL COMPUTER CORP COM 247025109 25,002 463,537 SH DEFINED 448,537 15,000
DELL COMPUTER CORP COM 247025109 1,509 27,981 SH OTHER 16,081 3,800 8,100
DELPHI AUTOMOTIVE SYS CORP COM 247126105 664 41,520 SH DEFINED 41,206 314
DELPHI AUTOMOTIVE SYS CORP COM 247126105 145 9,084 SH OTHER 7,392 1,247 445
DELTA AIR LINES INC COM 247361108 761 14,290 SH DEFINED 14,290
DELTA AIR LINES INC COM 247361108 798 14,988 SH OTHER 6,188 1,500 7,300
DIAL CORP NEW COM 25247D101 4,144 301,379 SH DEFINED 264,549 500 36,330
DIAL CORP NEW COM 25247D101 515 37,429 SH OTHER 34,275 1,400 1,754
DIAMOND OFFSHORE DRILLNG INC COM 25271C102 756 18,935 SH DEFINED 18,935
DIAMOND OFFSHORE DRILLNG INC COM 25271C102 4 100 SH OTHER 100
DIEBOLD INC COM 253651103 229 8,323 SH DEFINED 7,123 1,200
DILLARDS INC CL A 254067101 216 13,170 SH DEFINED 4,919 8,251
DILLARDS INC CL A 254067101 155 9,400 SH OTHER 9,400
WALT DISNEY COMPANY COM DISNEY 254687106 7,751 187,898 SH DEFINED 185,988 500 1,410
WALT DISNEY COMPANY COM DISNEY 254687106 2,315 56,123 SH OTHER 37,801 3,700 14,622
DOLLAR TREE STORES INC COM 256747106 521 10,000 SH DEFINED 10,000
DOMINION RES INC VA NEW COM 25746U109 1,235 32,142 SH DEFINED 32,022 120
DOMINION RES INC VA NEW COM 25746U109 16 421 SH OTHER 421
DOVER CORP COM 260003108 265 5,536 SH DEFINED 800 4,736
DOW CHEM CO COM 260543103 3,171 27,817 SH DEFINED 27,817
DOW CHEM CO COM 260543103 470 4,121 SH OTHER 3,696 425
DREYFUS STRATEGIC MUNS INC COM 261932107 400 50,000 SH DEFINED 50,000
DREYFUS STRATEGIC MUNS INC COM 261932107 27 3,400 SH OTHER 3,400
DREYFUS STRATEGIC MUN BD FD INC COM 26202F107 416 53,304 SH DEFINED 53,304
DU PONT E I DE NEMOURS & CO COM 263534109 22,493 424,901 SH DEFINED 416,768 8,133
DU PONT E I DE NEMOURS & CO COM 263534109 2,898 54,752 SH OTHER 40,546 2,306 11,900
DUFF & PHELPS UTILS INCOME,INC COM 264324104 108 12,255 SH DEFINED 11,851 404
DUFF & PHELPS UTILS INCOME,INC COM 264324104 34 3,840 SH OTHER 3,840
DUKE ENERGY CORP COM 264399106 3,193 60,811 SH DEFINED 57,982 2,829
DUKE ENERGY CORP COM 264399106 397 7,562 SH OTHER 7,312 250
DUN & BRADSTREET CORP DEL COM 26483B106 254 8,890 SH DEFINED 7,420 1,470
DUN & BRADSTREET CORP DEL COM 26483B106 29 1,000 SH OTHER 1,000
E M C CORP MASS COM 268648102 25,470 202,143 SH DEFINED 190,583 11,560
E M C CORP MASS COM 268648102 1,062 8,427 SH OTHER 6,820 666 941
E TRADE GROUP INC COM 269246104 1,200 39,820 SH DEFINED 38,915 905
EASTMAN KODAK CO COM 277461109 3,523 64,874 SH DEFINED 61,374 300 3,200
EASTMAN KODAK CO COM 277461109 791 14,559 SH OTHER 11,610 2,649 300
EATON CORP COM 278058102 414 5,310 SH DEFINED 5,310
EATON VANCE MUNICIPAL INC FD SH BEN INT 27826U108 379 33,332 SH DEFINED 33,332
ECOLAB INC COM 278865100 1,708 46,562 SH DEFINED 1,125 45,437
EDISON INTERNATIONAL COM 281020107 977 58,978 SH DEFINED 58,278 700
EDISON INTERNATIONAL COM 281020107 36 2,184 SH OTHER 2,184
EL PASO ENERGY CORP DEL COM 283905107 326 8,064 SH DEFINED 5,864 2,200
EL PASO ENERGY CORP DEL COM 283905107 348 8,607 SH OTHER 8,607
ELECTRONIC ARTS COM 285512109 570 8,000 SH DEFINED 8,000
ELECTRONIC ARTS COM 285512109 256 3,600 SH OTHER 3,600
ELECTRONIC DATA SYS CORP NEW COM 285661104 3,167 49,333 SH DEFINED 47,535 40 1,758
ELECTRONIC DATA SYS CORP NEW COM 285661104 877 13,656 SH OTHER 4,156 100 9,400
EMERSON ELECTRIC CO COM 291011104 3,286 61,848 SH DEFINED 61,623 225
EMERSON ELECTRIC CO COM 291011104 598 11,260 SH OTHER 10,060 1,200
ENERGEN CORP COM 29265N108 192 12,046 SH DEFINED 9,646 2,400
ENERGEN CORP COM 29265N108 171 10,700 SH OTHER 6,700 4,000
ENERGYSOUTH INC COM 292970100 921 50,146 SH DEFINED 43,581 6,565
ENRON CORPORATION ORGEON COM 293561106 2,391 31,928 SH DEFINED 30,928 1,000
EQUITY INCOME FUND UT 1 EX SR-ATT 294700703 646 3,283 SH DEFINED 3,283
EQUITY INCOME FUND UT 1 EX SR-ATT 294700703 20 100 SH OTHER 100
EXXON MOBIL CORP COM 30231G102 66,062 847,620 SH DEFINED 784,435 396 62,789
EXXON MOBIL CORP COM 30231G102 14,662 188,127 SH OTHER 170,561 13,338 4,228
FPL GROUP INC COM 302571104 2,011 43,650 SH DEFINED 43,384 16 250
FPL GROUP INC COM 302571104 90 1,950 SH OTHER 1,250 400 300
FAMILY DOLLAR STORES INC COM 307000109 1,582 76,000 SH DEFINED 76,000
FAMILY DOLLAR STORES INC COM 307000109 37 1,800 SH OTHER 1,800
FEDERAL HOME LN MTG CORP COM 313400301 1,996 45,160 SH DEFINED 44,890 270
FEDERAL HOME LN MTG CORP COM 313400301 4 100 SH OTHER 100
FEDERAL MOGUL CORP COM 313549107 1,001 60,000 SH DEFINED 60,000
FEDERAL NATL MTG ASSN COM 313586109 16,088 284,420 SH DEFINED 280,995 100 3,325
FEDERAL NATL MTG ASSN COM 313586109 805 14,232 SH OTHER 12,125 1,700 407
FEDERATED DEPT STORES INC COM 31410H101 423 10,000 SH DEFINED 10,000
FEDERATED DEPT STORES INC COM 31410H101 8 200 SH OTHER 200
FEDEX CORP COM 31428X106 2,311 59,546 SH DEFINED 20,950 38,596
FEDEX CORP COM 31428X106 36 929 SH OTHER 729 200
FIFTH THIRD BANCORP COM 316773100 736 11,685 SH DEFINED 11,550 135
FIRST AUSTRALIA PRIME INC FUND COM 318653102 45 10,000 SH DEFINED 10,000
FIRST AUSTRALIA PRIME INC FUND COM 318653102 1 200 SH OTHER 200
FIRST DATA CORP COM 319963104 1,751 39,455 SH DEFINED 39,155 300
FIRST DATA CORP COM 319963104 89 2,010 SH OTHER 2,010
FIRST TENNESSEE NATIONAL CORP COM 337162101 488 24,000 SH DEFINED 24,000
FIRST TENNESSEE NATIONAL CORP COM 337162101 122 5,992 SH OTHER 5,992
FIRST UNION CORP COM 337358105 3,480 93,432 SH DEFINED 91,382 2,050
FIRST UNION CORP COM 337358105 261 7,014 SH OTHER 5,676 1,338
FIRST VIRGINIA BANKSHARES, INC. COM 337477103 1,193 31,747 SH OTHER 31,747
FIRSTAR CORP NEW WIS COM 33763V109 6,617 288,455 SH DEFINED 288,455
FIRSTAR CORP NEW WIS COM 33763V109 15 634 SH OTHER 634
FLEETBOSTON FINL CORP COM 339030108 2,337 64,014 SH DEFINED 63,542 472
FLEETBOSTON FINL CORP COM 339030108 84 2,302 SH OTHER 2,302
FLEMING COMPANIES INC COM 339130106 273 18,150 SH DEFINED 18,150
FLORIDA PROGRESS CORP COM 341109106 1,448 31,569 SH DEFINED 30,894 675
FLORIDA PROGRESS CORP COM 341109106 115 2,500 SH OTHER 2,050 75 375
FLORIDA ROCK INDS INC COM 341140101 136 4,850 SH DEFINED 4,850
FLORIDA ROCK INDS INC COM 341140101 133 4,749 SH OTHER 4,749
FLOWERS INDUSTRIES INC COM 343496105 208 13,699 SH DEFINED 13,699
FORD MOTOR CO COM 345370100 5,196 113,108 SH DEFINED 103,921 9,187
FORD MOTOR CO COM 345370100 329 7,156 SH OTHER 6,936 220
FOREST LABS INC COM 345838106 7,709 91,225 SH DEFINED 91,175 50
FOREST LABS INC COM 345838106 4 50 SH OTHER 50
FORTUNE BRANDS INC COM 349631101 498 19,915 SH DEFINED 19,915
FORTUNE BRANDS INC COM 349631101 110 4,390 SH OTHER 4,390
FOTOBALL USA INC COM 350384103 49 10,000 SH DEFINED 10,000
GTE CORP COM 362320103 6,913 97,365 SH DEFINED 97,065 300
GTE CORP COM 362320103 436 6,147 SH OTHER 4,097 1,000 1,050
GALLAHER GROUP PLC SPONSORED ADR 363595109 259 13,172 SH DEFINED 13,172
GALLAHER GROUP PLC SPONSORED ADR 363595109 67 3,390 SH OTHER 3,390
GANNETT INC COM 364730101 4,186 59,488 SH DEFINED 56,673 2,815
GANNETT INC COM 364730101 1,290 18,329 SH OTHER 17,329 1,000
GAP INC COM 364760108 6,747 135,445 SH DEFINED 134,370 1,075
GAP INC COM 364760108 709 14,225 SH OTHER 3,600 10,625
GATEWAY INC COM 367626108 4,021 73,100 SH DEFINED 71,400 1,700
GATEWAY INC COM 367626108 608 11,050 SH OTHER 10,850 200
GENERAL ELECTRIC CO COM 369604103 154,812 994,776 SH DEFINED 975,090 900 18,786
GENERAL ELECTRIC CO COM 369604103 34,589 222,256 SH OTHER 197,879 4,712 19,665
GENERAL MILLS INC COM 370334104 3,030 83,717 SH DEFINED 77,838 5,879
GENERAL MILLS INC COM 370334104 806 22,271 SH OTHER 21,831 440
GENERAL MOTORS CORP COM 370442105 8,961 108,213 SH DEFINED 90,008 150 18,055
GENERAL MOTORS CORP COM 370442105 1,292 15,607 SH OTHER 14,129 600 878
GENUINE PARTS CO COM 372460105 1,533 64,225 SH DEFINED 51,175 13,050
GENUINE PARTS CO COM 372460105 419 17,570 SH OTHER 15,920 1,500 150
GEORGIA PAC CORP COM GA PAC GRP 373298108 1,331 33,642 SH DEFINED 31,570 2,072
GEORGIA PAC CORP COM-TIMBER GRP 373298702 1,424 55,581 SH DEFINED 1,545 1,036 53,000
GILEAD SCIENCES INC COM 375558103 1,014 16,000 SH DEFINED 16,000
GILLETTE CO COM 375766102 14,302 379,497 SH DEFINED 354,133 500 24,864
GILLETTE CO COM 375766102 2,954 78,369 SH OTHER 60,044 1,900 16,425
GLAXO WELLCOME PLC SPONSORED ADR 37733W105 75 1,300 SH DEFINED 1,300
GLAXO WELLCOME PLC SPONSORED ADR 37733W105 135 2,350 SH OTHER 2,350
GLOBAL MARINE INC COM 379352404 546 21,500 SH DEFINED 21,500
GOODYEAR TIRE & RUBBER CO COM 382550101 290 12,444 SH DEFINED 12,444
GOODYEAR TIRE & RUBBER CO COM 382550101 109 4,684 SH OTHER 4,684
GRAY COMMUNICATIONS SYSTEM INC COM 389190109 2,004 168,750 SH OTHER 168,750
GREAT LAKES CHEMICAL COM 390568103 204 6,000 SH DEFINED 6,000
GUIDANT CORP COM 401698105 4,127 70,100 SH DEFINED 70,100
GUIDANT CORP COM 401698105 48 820 SH OTHER 820
HALLIBURTON CO COM 406216101 4,195 102,009 SH DEFINED 98,689 3,320
HALLIBURTON CO COM 406216101 371 9,020 SH OTHER 7,020 2,000
HARTFORD FINL SVCS GROUP INC COM 416515104 781 14,805 SH DEFINED 14,805
HEALTHSOUTH CORP COM 421924101 133 23,375 SH DEFINED 23,375
HEALTHSOUTH CORP COM 421924101 59 10,350 SH OTHER 10,350
HEALTH MGMT ASSOC INC NEW CL A 421933102 288 20,238 SH DEFINED 20,000 238
HEINZ H J CO COM 423074103 1,532 43,935 SH DEFINED 43,785 150
HEINZ H J CO COM 423074103 903 25,895 SH OTHER 24,395 600 900
HERSHEY FOODS CORP COM 427866108 1,915 39,284 SH DEFINED 38,599 685
HERSHEY FOODS CORP COM 427866108 546 11,205 SH OTHER 9,505 100 1,600
HEWLETT PACKARD CO COM 428236103 11,357 85,673 SH DEFINED 84,798 875
HEWLETT PACKARD CO COM 428236103 3,285 24,783 SH OTHER 16,583 1,100 7,100
HIBERNIA CORP CL A 428656102 221 21,079 SH DEFINED 21,079
HILTON HOTELS COM 432848109 953 122,944 SH DEFINED 4,944 118,000
HOME DEPOT INC COM 437076102 37,316 578,541 SH DEFINED 568,196 10,345
HOME DEPOT INC COM 437076102 3,023 46,868 SH OTHER 32,324 2,994 11,550
HOMESTAKE MINING CO COM 437614100 274 45,712 SH DEFINED 18,712 27,000
HONEYWELL INTL INC COM 438516106 3,321 63,037 SH DEFINED 62,172 350 515
HONEYWELL INTL INC COM 438516106 450 8,543 SH OTHER 7,431 1,112
HOST MARRIOTT CORP NEW COM 44107P104 807 90,964 SH DEFINED 3,831 87,133
HOUSEHOLD INTL CORP COM 441815107 1,289 34,539 SH DEFINED 34,539
HOUSEHOLD INTL CORP COM 441815107 588 15,772 SH OTHER 7,926 460 7,386
HUMAN GENOME SCIENCES INC COM 444903108 3,323 40,000 SH DEFINED 40,000
ICN PHARMACEUTICALS INC NEW COM 448924100 3,230 118,550 SH DEFINED 117,200 1,350
HYPERION TOTAL RETURN FD INC COM 449145101 86 11,367 SH DEFINED 11,367
ICOS CORP COM 449295104 2,529 70,000 SH DEFINED 70,000
IDEC PHARMACEUTICALS CORP COM 449370105 1,965 20,000 SH DEFINED 20,000
IMS HEALTH INC COM 449934108 167 9,875 SH DEFINED 7,880 1,995
IMS HEALTH INC COM 449934108 24 1,400 SH OTHER 600 800
ILLINOIS TOOL WKS INC COM 452308109 2,034 36,814 SH DEFINED 36,754 60
ILLINOIS TOOL WKS INC COM 452308109 66 1,200 SH OTHER 1,200
INACOM CORP COM 45323G109 209 76,123 SH DEFINED 76,123
INFORMIX CORP COM 456779107 1,220 72,000 SH DEFINED 72,000
INGERSOLL RAND CO COM 456866102 907 20,500 SH DEFINED 20,500
INSURED MUNICIPAL INCOME FUND COM 45809F104 535 44,575 SH DEFINED 44,575
INSURED MUNICIPAL INCOME FUND COM 45809F104 10 865 SH OTHER 865
INTEL CORP COM 458140100 116,550 883,371 SH DEFINED 847,279 400 35,692
INTEL CORP COM 458140100 16,385 124,187 SH OTHER 107,820 5,000 11,367
INTERGRAPH CORP COM 458683109 268 30,250 SH DEFINED 30,250
INTERGRAPH CORP COM 458683109 31 3,500 SH OTHER 3,500
INTL BUSINESS MACHINES CORP COM 459200101 60,340 511,352 SH DEFINED 491,472 19,880
INTL BUSINESS MACHINES CORP COM 459200101 7,611 64,500 SH OTHER 53,500 4,200 6,800
INTL FLAVORS & FRAGRANCES INC COM 459506101 1,071 30,558 SH DEFINED 21,533 9,025
INTL FLAVORS & FRAGRANCES INC COM 459506101 291 8,297 SH OTHER 7,997 300
INTERNATIONAL PAPER CO COM 460146103 6,553 153,281 SH DEFINED 150,282 300 2,699
INTERNATIONAL PAPER CO COM 460146103 1,371 32,075 SH OTHER 31,675 400
INTERPUBLIC GROUP COS INC COM 460690100 335 7,100 SH OTHER 7,100
INTUIT COM 461202103 2,286 42,045 SH DEFINED 42,000 45
INTUIT COM 461202103 5 100 SH OTHER 100
INVESTMENT TECHNOLOGY GRP NE COM 46145F105 353 10,000 SH DEFINED 10,000
IPALCO ENTERPRISES INC COM 462613100 433 22,200 SH DEFINED 22,200
IPALCO ENTERPRISES INC COM 462613100 29 1,502 SH OTHER 1,502
IVAX CORP COM 465823102 1,651 60,600 SH DEFINED 60,600
JDS UNIPHASE CORP COM 46612J101 3,995 33,137 SH DEFINED 30,720 2,417
JDS UNIPHASE CORP COM 46612J101 558 4,630 SH OTHER 4,130 200 300
JABIL CIRCUIT INC COM 466313103 1,730 40,000 SH DEFINED 40,000
JEFFERSON PILOT CORP COM 475070108 11,618 174,542 SH DEFINED 157,809 16,733
JEFFERSON PILOT CORP COM 475070108 4,302 64,631 SH OTHER 38,613 2,918 23,100
JOHNSON & JOHNSON COM 478160104 37,316 531,186 SH DEFINED 508,494 300 22,392
JOHNSON & JOHNSON COM 478160104 2,812 40,034 SH OTHER 27,519 3,015 9,500
JUST FOR FEET INC COM 48213P106 1 15,700 SH DEFINED 15,700
K MART CORP COM 482584109 233 24,000 SH DEFINED 24,000
K MART CORP COM 482584109 6 600 SH OTHER 600
KAYDON CORP COM 486587108 66 2,400 SH DEFINED 2,400
KAYDON CORP COM 486587108 253 9,250 SH OTHER 9,250
KELLOGG CO COM 487836108 152 5,920 SH DEFINED 5,670 250
KELLOGG CO COM 487836108 278 10,800 SH OTHER 10,400 400
KEMPER MUN INCOME TR COM SH BEN INT 48842C104 348 32,185 SH DEFINED 31,000 1,185
KEYCORP NEW COM 493267108 937 49,337 SH DEFINED 49,337
KIMBERLY CLARK CORP COM 494368103 12,040 214,766 SH DEFINED 198,968 15,798
KIMBERLY CLARK CORP COM 494368103 3,624 64,633 SH OTHER 59,685 3,300 1,648
KNIGHT RIDDER INC COM 499040103 1,712 33,398 SH DEFINED 33,398
LEGATO SYS INC COM 524651106 1,339 30,000 SH DEFINED 30,000
LEGG MASON INC COM 524901105 952 22,000 SH DEFINED 22,000
LILLY ELI & CO COM 532457108 10,362 165,461 SH DEFINED 164,501 960
LILLY ELI & CO COM 532457108 2,562 40,918 SH OTHER 38,328 1,790 800
LIMITED INC COM 532716107 578 13,728 SH DEFINED 13,728
LIMITED INC COM 532716107 21 500 SH OTHER 500
LINCOLN NATIONAL CORP IND COM 534187109 403 12,025 SH DEFINED 11,825 200
LINEAR TECHNOLOGY CORP COM 535678106 3,743 68,062 SH DEFINED 68,000 62
LOCKHEED MARTIN CORP COM 539830109 882 43,148 SH DEFINED 43,048 100
LOCKHEED MARTIN CORP COM 539830109 27 1,300 SH OTHER 1,300
LOEWS CORP COM 540424108 110 2,200 SH DEFINED 2,200
LOEWS CORP COM 540424108 450 9,000 SH OTHER 9,000
LOWES COS INC COM 548661107 2,825 48,400 SH DEFINED 48,350 50
LOWES COS INC COM 548661107 12 200 SH OTHER 200
LUCENT TECHNOLOGIES INC COM 549463107 65,981 1,064,213 SH DEFINED 1,014,775 560 48,878
LUCENT TECHNOLOGIES INC COM 549463107 10,719 172,892 SH OTHER 148,418 4,996 19,478
LUFKIN INDUSTRIES INC COM 549764108 1 40 SH DEFINED 40
LUFKIN INDUSTRIES INC COM 549764108 533 36,765 SH OTHER 36,765
MBNA CORP COM 55262L100 301 11,793 SH DEFINED 11,393 400
MBNA CORP COM 55262L100 20 780 SH OTHER 780
MCI WORLDCOM INC COM 55268B106 28,661 632,519 SH DEFINED 580,553 600 51,366
MCI WORLDCOM INC COM 55268B106 5,024 110,884 SH OTHER 75,059 3,400 32,425
MFS MULTIMARKET INC TRUST SH BEN INT 552737108 57 9,815 SH DEFINED 9,815
MFS MULTIMARKET INC TRUST SH BEN INT 552737108 14 2,380 SH OTHER 2,380
MFS GOVT MKTS INCOME TR SH BEN INT 552939100 100 16,660 SH DEFINED 16,660
MFS GOVT MKTS INCOME TR SH BEN INT 552939100 2 300 SH OTHER 300
MACROMEDIA INC COM 556100105 542 6,000 SH DEFINED 6,000
MANULIFE FINL CORP COM 56501R106 213 14,497 SH DEFINED 14,497
MARSH & MCLENNAN COS INC COM 571748102 2,201 19,954 SH DEFINED 19,779 175
MARSH & MCLENNAN COS INC COM 571748102 927 8,400 SH OTHER 8,400
MARRIOTT INTL INC NEW CL A 571903202 1,607 51,000 SH DEFINED 12,000 39,000
MARRIOTT INTL INC NEW CL A 571903202 299 9,500 SH OTHER 200 9,300
MASCO CORP COM 574599106 1,018 49,675 SH DEFINED 49,675
MASCO CORP COM 574599106 53 2,600 SH OTHER 2,600
MATTEL, INC. COM 577081102 103 9,851 SH DEFINED 9,451 400
MATTEL, INC. COM 577081102 7 640 SH OTHER 440 200
MAXIM INTEGRATED PRODS INC COM 57772K101 3,983 56,054 SH DEFINED 56,000 54
MAY DEPT STORES CO COM 577778103 542 19,001 SH DEFINED 19,001
MAY DEPT STORES CO COM 577778103 92 3,234 SH OTHER 3,234
MAYTAG CORP COM 578592107 25,208 760,990 SH DEFINED 760,990
MAYTAG CORP COM 578592107 66 2,000 SH OTHER 2,000
MCCORMICK & CO INC COM NON VTG 579780206 702 21,764 SH DEFINED 21,764
MCCORMICK & CO INC COM NON VTG 579780206 29 888 SH OTHER 888
MCDONALDS CORP COM 580135101 7,275 194,645 SH DEFINED 191,545 500 2,600
MCDONALDS CORP COM 580135101 2,919 78,096 SH OTHER 60,696 17,400
MCGRAW-HILL COS INC COM 580645109 645 14,180 SH DEFINED 13,380 800
MCGRAW-HILL COS INC COM 580645109 364 8,000 SH OTHER 8,000
MEAD CORP COM 582834107 932 26,664 SH DEFINED 26,053 611
MEAD CORP COM 582834107 3,066 87,765 SH OTHER 35,514 1,400 50,851
MEDIAONE GROUP INC COM 58440J104 3,768 46,522 SH DEFINED 46,042 480
MEDIAONE GROUP INC COM 58440J104 326 4,022 SH OTHER 3,408 614
MEDICAL ASSURN INC COM 58449U100 313 16,444 SH DEFINED 13,353 3,091
MEDICAL ASSURN INC COM 58449U100 32 1,659 SH OTHER 1,633 26
MEDICIS PHARMACEUTICAL CORP CL A NEW 584690309 320 8,000 SH DEFINED 8,000
MEDIMMUNE INC COM 584699102 2,960 17,000 SH DEFINED 17,000
MEDTRONIC INC COM 585055106 8,551 166,245 SH DEFINED 165,795 450
MEDTRONIC INC COM 585055106 633 12,300 SH OTHER 2,200 10,100
MELLON FINL CORP COM 58551A108 823 27,660 SH DEFINED 27,660
MELLON FINL CORP COM 58551A108 36 1,200 SH OTHER 600 600
MERCK & CO INC COM 589331107 46,425 747,281 SH DEFINED 727,568 400 19,313
MERCK & CO INC COM 589331107 10,163 163,592 SH OTHER 135,042 2,900 25,650
MERRILL LYNCH & CO INC COM 590188108 2,781 26,490 SH DEFINED 25,890 600
MERRILL LYNCH & CO INC COM 590188108 89 850 SH OTHER 50 800
MICROSOFT CORP COM 594918104 114,530 1,077,929 SH DEFINED 1,045,299 32,630
MICROSOFT CORP COM 594918104 6,343 59,700 SH OTHER 46,553 2,372 10,775
MICROCHIP TECHNOLOGY INC COM 595017104 1,973 30,000 SH DEFINED 30,000
MICRON TECHNOLOGY INC COM 595112103 7,695 61,075 SH DEFINED 60,975 100
MILLENNIUM PHARMACTCLS INC COM 599902103 1,690 13,010 SH DEFINED 13,000 10
MINNESOTA MNG & MFG CO COM 604059105 4,508 50,900 SH DEFINED 50,050 850
MINNESOTA MNG & MFG CO COM 604059105 1,709 19,299 SH OTHER 17,000 1,699 600
MONSANTO CO COM 611662107 5,768 111,997 SH DEFINED 104,977 7,020
MONSANTO CO COM 611662107 2,074 40,274 SH OTHER 31,699 2,500 6,075
MONSANTO CO ADJ CONVR RATE 611662305 237 5,190 SH DEFINED 2,990 2,200
MONSANTO CO ADJ CONVR RATE 611662305 96 2,100 SH OTHER 2,100
MORGAN J P & CO INC COM 616880100 2,724 20,678 SH DEFINED 19,898 780
MORGAN J P & CO INC COM 616880100 733 5,563 SH OTHER 2,349 3,214
MORGAN STANLEY D WITTER & CO COM NEW 617446448 9,989 120,536 SH DEFINED 120,316 220
MORGAN STANLEY D WITTER & CO COM NEW 617446448 966 11,658 SH OTHER 11,658
MORRISON MGMT SPECIALISTS IN COM 618459101 499 17,975 SH DEFINED 17,975
MORRISON MGMT SPECIALISTS IN COM 618459101 645 23,252 SH OTHER 20,752 2,500
MOTOROLA INC COM 620076109 10,333 70,775 SH DEFINED 70,400 375
MOTOROLA INC COM 620076109 2,584 17,700 SH OTHER 17,100 600
MURPHY OIL CORP COM 626717102 196 3,400 SH DEFINED 3,400
MURPHY OIL CORP COM 626717102 312 5,412 SH OTHER 5,412
NABISCO HLDGS CORP CL A 629526104 1,064 33,000 SH DEFINED 33,000
NABISCO GROUP HLDG CORP COM 62952P102 615 51,000 SH DEFINED 51,000
NABISCO GROUP HLDG CORP COM 62952P102 2 200 SH OTHER 200
NABORS INDS INC COM 629568106 1,242 32,000 SH DEFINED 32,000
NASDAQ 100 TR UNIT SER 1 631100104 811 7,403 SH DEFINED 7,403
NASDAQ 100 TR UNIT SER 1 631100104 22 200 SH OTHER 200
NATIONAL CITY CORP COM 635405103 777 37,682 SH DEFINED 37,682
NATIONAL FUEL GAS CO N J COM 636180101 118 2,658 SH DEFINED 2,658
NATIONAL FUEL GAS CO N J COM 636180101 134 3,008 SH OTHER 3,008
NATIONAL WESTMINISTER BANK ADR 638539403 219 1,784 SH OTHER 1,784
NETWORK APPLIANCE INC COM 64120L104 1,362 16,460 SH DEFINED 16,400 60
NEW CENTY ENERGIES INC COM 64352U103 358 11,909 SH DEFINED 11,839 70
NEW CENTY ENERGIES INC COM 64352U103 5 150 SH OTHER 150
NEW TEL LTD SPONSORED ADR 648867109 483 21,000 SH DEFINED 21,000
NEWELL RUBBERMAID INC COM 651229106 91 3,658 SH DEFINED 3,458 200
NEWELL RUBBERMAID INC COM 651229106 201 8,083 SH OTHER 283 7,800
NEWMONT MINING CORP COM 651639106 1,563 69,677 SH DEFINED 69,677
NEWMONT MINING CORP COM 651639106 4 188 SH OTHER 188
NEXTEL COMMUNICATIONS INC CL A 65332V103 272 1,835 SH DEFINED 1,800 35
NEXTEL COMMUNICATIONS INC CL A 65332V103 15 100 SH OTHER 100
NICOR INC COM 654086107 185 5,602 SH DEFINED 5,202 400
NICOR INC COM 654086107 26 784 SH OTHER 550 234
NIKE INC CL B 654106103 377 9,505 SH DEFINED 9,505
NIKE INC CL B 654106103 12 300 SH OTHER 300
NOKIA CORP SPONSORED ADR 654902204 222 1,000 SH DEFINED 800 200
NORDSTROM INC COM 655664100 802 27,180 SH DEFINED 26,730 450
NORDSTROM INC COM 655664100 9 300 SH OTHER 300
NORFOLK SOUTHERN CORP COM 655844108 520 36,481 SH DEFINED 36,481
NORFOLK SOUTHERN CORP COM 655844108 344 24,131 SH OTHER 20,456 3,675
NORTEL NETWORKS CORP COM 656569100 30,997 246,005 SH DEFINED 245,300 705
NORTEL NETWORKS CORP COM 656569100 215 1,710 SH OTHER 1,710
NORTH FORK BANCORP INC N Y COM 659424105 536 30,000 SH DEFINED 30,000
NORTHERN TRUST CORP COM 665859104 2,136 31,610 SH DEFINED 29,010 2,600
NOVELL INC COM 670006105 1,322 46,175 SH DEFINED 32,475 13,700
NOVELL INC COM 670006105 47 1,635 SH OTHER 1,635
NOVELLUS SYS INC COM 670008101 1,123 20,000 SH DEFINED 20,000
NUCOR CORP COM 670346105 132 2,636 SH DEFINED 1,911 725
NUCOR CORP COM 670346105 120 2,400 SH OTHER 1,600 800
NUVEEN PERF PLUS MUN FD COM 67062P108 153 12,650 SH DEFINED 12,650
NVIDIA CORP COM 67066G104 845 10,000 SH DEFINED 10,000
NUVEEN MUN VALUE FD INC COM 670928100 174 20,608 SH DEFINED 20,608
NUVEEN MUN VALUE FD INC COM 670928100 22 2,666 SH OTHER 2,666
NUVEEN TEX QUAL INCM MUN FD COM 670983105 626 49,800 SH DEFINED 49,800
OCCIDENTAL PETE CORP COM 674599105 426 20,546 SH DEFINED 20,546
OLD REPUBLIC INTL CORP COM 680223104 20 1,425 SH DEFINED 1,425
OLD REPUBLIC INTL CORP COM 680223104 4,892 355,818 SH OTHER 86,944 268,874
ORACLE CORPORATION COM 68389X105 33,532 429,557 SH DEFINED 426,002 450 3,105
ORACLE CORPORATION COM 68389X105 1,921 24,604 SH OTHER 12,660 10,250 1,694
PG&E CORP COM 69331C108 1,254 59,718 SH DEFINED 59,718
PG&E CORP COM 69331C108 71 3,367 SH OTHER 3,317 50
PE CORP COM PE BIO GRP 69332S102 392 4,064 SH DEFINED 4,000 64
PE CORP COM PE BIO GRP 69332S102 618 6,400 SH OTHER 6,400
PE CORP CELERA GEN GRP 69332S201 94 1,024 SH DEFINED 1,000 24
PE CORP CELERA GEN GRP 69332S201 147 1,600 SH OTHER 1,600
PNC BANK CORPORATION COM 693475105 685 15,200 SH DEFINED 15,200
PNC BANK CORPORATION COM 693475105 283 6,285 SH OTHER 400 5,375 510
PPG INDS INC COM 693506107 998 19,076 SH DEFINED 18,976 100
PPG INDS INC COM 693506107 513 9,800 SH OTHER 9,800
PACCAR INC COM 693718108 70 1,400 SH DEFINED 1,400
PACCAR INC COM 693718108 130 2,604 SH OTHER 2,604
PARKER HANNIFIN CORP COM 701094104 258 6,235 SH DEFINED 6,235
PENNEY J C INC COM 708160106 256 17,185 SH DEFINED 16,785 400
PENNEY J C INC COM 708160106 33 2,213 SH OTHER 2,213
PEPSICO INC COM 713448108 16,461 472,003 SH DEFINED 469,193 2,810
PEPSICO INC COM 713448108 1,616 46,346 SH OTHER 31,486 2,460 12,400
PERKINELMER INC COM 714046109 4,241 63,775 SH DEFINED 63,775
PERKINELMER INC COM 714046109 39 582 SH OTHER 582
PHARMACIA & UPJOHN INC COM 716941109 2,258 37,950 SH DEFINED 37,159 791
PHARMACIA & UPJOHN INC COM 716941109 253 4,250 SH OTHER 4,250
PFIZER INC COM 717081103 38,684 1,058,015 SH DEFINED 1,023,631 34,384
PFIZER INC COM 717081103 3,838 104,975 SH OTHER 65,200 1,800 37,975
PHELPS DODGE CORP COM 717265102 883 18,647 SH DEFINED 18,597 50
PHELPS DODGE CORP COM 717265102 39 825 SH OTHER 825
PHILIP MORRIS COS INC COM 718154107 5,480 259,406 SH DEFINED 256,786 900 1,720
PHILIP MORRIS COS INC COM 718154107 1,449 68,609 SH OTHER 62,259 5,650 700
PHILLIPS PETE CO COM 718507106 1,203 26,003 SH DEFINED 26,003
PHILLIPS PETE CO COM 718507106 43 930 SH OTHER 930
PIONEER NATL RES CO COM 723787107 567 54,000 SH DEFINED 54,000
PITNEY BOWES INC COM 724479100 1,927 43,125 SH DEFINED 42,225 900
PITNEY BOWES INC COM 724479100 581 13,000 SH OTHER 13,000
PITNEY BOWES INC PREF CV $2.12 724479308 169 200 SH DEFINED 200
PITNEY BOWES INC PREF CV $2.12 724479308 42 50 SH OTHER 50
PRECISION STD INC COM NEW 740327200 90 10,000 SH DEFINED 10,000
PROCTER & GAMBLE CO COM 742718109 26,093 461,816 SH DEFINED 452,481 300 9,035
PROCTER & GAMBLE CO COM 742718109 3,888 68,814 SH OTHER 50,264 3,900 14,650
PROGRESSIVE CORP OHIO COM 743315103 266 3,500 SH DEFINED 3,500
PROTECTIVE LIFE CORP COM 743674103 2,038 64,190 SH DEFINED 63,640 550
PROTECTIVE LIFE CORP COM 743674103 9,416 296,561 SH OTHER 292,895 3,010 656
PROVIDIAN FINL CORP COM 74406A102 1,127 13,011 SH DEFINED 13,011
PROVIDIAN FINL CORP COM 74406A102 1,496 17,270 SH OTHER 10,370 6,900
PUBLIC SVC ENTERPRISE GROUP COM 744573106 924 31,204 SH DEFINED 31,204
PUBLIC SVC ENTERPRISE GROUP COM 744573106 25 844 SH OTHER 94 750
PUTNAM INVT GRADE MUN TR COM 746805100 364 31,000 SH DEFINED 31,000
PUTNAM MANAGED MUN INCOME TR COM 746823103 403 42,949 SH DEFINED 41,500 1,449
PUTNAM PREMIER INCOME TR SH BEN INT 746853100 55 9,535 SH DEFINED 9,535
PUTNAM PREMIER INCOME TR SH BEN INT 746853100 16 2,863 SH OTHER 2,863
PUTNAM MASTER INTER INCOME TR SH BEN INT 746909100 53 9,142 SH DEFINED 9,142
PUTNAM MASTER INTER INCOME TR SH BEN INT 746909100 7 1,263 SH OTHER 1,263
QLOGIC CORP COM 747277101 813 6,000 SH DEFINED 6,000
QUAKER OATS CO COM 747402105 752 12,406 SH DEFINED 9,419 2,987
QUAKER OATS CO COM 747402105 360 5,931 SH OTHER 5,035 896
QUALCOMM INC COM 747525103 18,327 122,741 SH DEFINED 122,666 75
QUALCOMM INC COM 747525103 30 200 SH OTHER 200
QUESTAR CORP COM 748356102 182 9,800 SH DEFINED 9,800
QUESTAR CORP COM 748356102 19 1,000 SH OTHER 1,000
QWEST COMM INTL INC COM 749121109 7,338 152,870 SH DEFINED 126,073 26,797
QWEST COMM INTL INC COM 749121109 369 7,694 SH OTHER 5,225 1,619 850
RAMBUS INC DEL COM 750917106 295 1,000 SH DEFINED 1,000
RATIONAL SOFTWARE CORP COM NEW 75409P202 2,142 28,000 SH DEFINED 28,000
RAYTHEON CO CL B 755111408 570 32,110 SH DEFINED 32,060 50
RAYTHEON CO CL B 755111408 25 1,430 SH OTHER 630 800
REGIONS FINANCIAL CORP COM 758940100 130,961 5,740,620 SH DEFINED 4,909,429 11,495 819,696
REGIONS FINANCIAL CORP COM 758940100 49,742 2,180,445 SH OTHER 1,709,700 62,533 408,212
RELIANT ENERGY INC COM 75952J108 1,173 49,797 SH DEFINED 49,580 217
RELIANT ENERGY INC COM 75952J108 182 7,741 SH OTHER 1,747 4,496 1,498
REUTERS GROUP PLC SPONSORED ADR 76132M102 207 1,733 SH DEFINED 1,733
ROCKWELL INTL CORP NEW COM 773903109 1,125 26,912 SH DEFINED 26,912
ROCKWELL INTL CORP NEW COM 773903109 69 1,642 SH OTHER 1,642
ROSS STORES INC COM 778296103 481 20,000 SH DEFINED 20,000
ROYAL DUTCH PETE CO NY REG GLD 1.25 780257804 11,776 203,689 SH DEFINED 203,289 300 100
ROYAL DUTCH PETE CO NY REG GLD 1.25 780257804 1,323 22,884 SH OTHER 19,884 2,000 1,000
RUBY TUESDAY INC COM 781182100 3,320 189,741 SH DEFINED 189,329 412
RUBY TUESDAY INC COM 781182100 941 53,756 SH OTHER 48,756 5,000
RUSSELL CORP COM 782352108 62 4,305 SH DEFINED 4,305
RUSSELL CORP COM 782352108 985 68,852 SH OTHER 6,180 62,672
SBC COMMUNICATIONS INC NEW COM 78387G103 31,094 738,142 SH DEFINED 723,682 450 14,010
SBC COMMUNICATIONS INC NEW COM 78387G103 2,769 65,739 SH OTHER 54,172 8,009 3,558
SCI SYSTEMS INC COM 783890106 116 2,150 SH DEFINED 2,050 100
SCI SYSTEMS INC COM 783890106 215 4,000 SH OTHER 4,000
SPDR TR UNIT SER 1 78462F103 2,300 15,297 SH DEFINED 15,297
SPDR TR UNIT SER 1 78462F103 301 2,000 SH OTHER 2,000
SABINE ROYALTY UNIT BEN INT 785688102 142 12,010 SH DEFINED 12,010
SABRE HLDGS CORPORATION CL A 785905100 310 8,395 SH DEFINED 8,359 36
SABRE HLDGS CORPORATION CL A 785905100 46 1,256 SH OTHER 1,112 144
SAFEWAY INC COM NEW 786514208 344 7,594 SH DEFINED 7,594
ST PAUL COS INC COM 792860108 421 12,340 SH DEFINED 9,990 2,350
ST PAUL COS INC COM 792860108 155 4,548 SH OTHER 4,548
SAKS INC COM 79377W108 555 38,280 SH DEFINED 3,280 35,000
SANMINA CORP COM 800907107 2,706 40,052 SH DEFINED 40,000 52
SARA LEE CORP COM 803111103 3,236 179,792 SH DEFINED 179,492 300
SARA LEE CORP COM 803111103 202 11,200 SH OTHER 7,200 4,000
SAWTEK INC COM 805468105 1,051 20,000 SH DEFINED 20,000
SCANA CORP NEW COM 80589M102 796 32,414 SH DEFINED 31,014 1,400
SCANA CORP NEW COM 80589M102 252 10,274 SH OTHER 10,174 100
SCHERING-PLOUGH CORP COM 806605101 14,153 381,235 SH DEFINED 364,055 17,180
SCHERING-PLOUGH CORP COM 806605101 1,547 41,660 SH OTHER 21,440 8,620 11,600
SCHLUMBERGER LTD COM 806857108 13,889 181,560 SH DEFINED 162,515 19,045
SCHLUMBERGER LTD COM 806857108 1,572 20,550 SH OTHER 19,250 500 800
SCIENTIFIC ATLANTA INC COM 808655104 190 3,000 SH DEFINED 3,000
SCIENTIFIC ATLANTA INC COM 808655104 164 2,600 SH OTHER 2,600
SEAGRAM LTD COM 811850106 1,928 32,400 SH DEFINED 32,400
SEAGRAM LTD COM 811850106 286 4,800 SH OTHER 4,800
SEARS ROEBUCK & CO COM 812387108 854 27,873 SH DEFINED 27,873
SEARS ROEBUCK & CO COM 812387108 249 8,146 SH OTHER 5,771 2,375
SEPRACOR INC COM 817315104 2,916 40,041 SH DEFINED 40,000 41
SERVICEMASTER CO COM 81760N109 277 24,611 SH DEFINED 24,611
SHELL TRANS & TRADING PLC NEW YRK SH NEW 822703609 191 3,900 SH DEFINED 3,675 225
SHELL TRANS & TRADING PLC COM 822703609 471 9,600 SH OTHER 9,600
SIEBEL SYS INC COM 826170102 5,281 44,217 SH DEFINED 44,000 217
SOLECTRON CORP COM 834182107 201 5,000 SH DEFINED 5,000
SOLECTRON CORP COM 834182107 417 10,400 SH OTHER 10,400
SONOCO PRODUCTS CO COM 835495102 69 3,000 SH DEFINED 3,000
SONOCO PRODUCTS CO COM 835495102 809 35,162 SH OTHER 462 34,700
SOUTH ALA BANCORPORATION COM 836234104 251 24,755 SH DEFINED 21,755 3,000
SOUTHERN CO COM 842587107 7,789 358,133 SH DEFINED 342,047 308 15,778
SOUTHERN CO COM 842587107 2,117 97,333 SH OTHER 80,614 3,579 13,140
SOUTHTRUST CORP COM 844730101 3,662 143,970 SH DEFINED 132,995 435 10,540
SOUTHTRUST CORP COM 844730101 3,460 136,029 SH OTHER 112,835 401 22,793
SOUTHWEST AIRLINES CO COM 844741108 1,370 65,805 SH DEFINED 64,740 1,065
SOUTHWEST AIRLINES CO COM 844741108 78 3,725 SH OTHER 1,125 2,600
SOUTHWESTERN ENERGY CO COM 845467109 8 1,200 SH DEFINED 1,200
SOUTHWESTERN ENERGY CO COM 845467109 73 11,000 SH OTHER 11,000
SOVEREIGN BANCORP INC COM 845905108 182 24,000 SH DEFINED 24,000
SPIEGEL INC CL A 848457107 216 27,000 SH OTHER 27,000
SPRINT CORP COM FON GROUP 852061100 7,155 113,564 SH DEFINED 113,564
SPRINT CORP COM FON GROUP 852061100 630 9,998 SH OTHER 9,862 136
SPRINT CORP PCS COM SER 1 852061506 2,557 39,040 SH DEFINED 39,040
SPRINT CORP PCS COM SER 1 852061506 233 3,562 SH OTHER 3,494 68
STARBUCKS CORP COM 855244109 1,076 24,000 SH DEFINED 24,000
STATE STR CORP COM 857477103 727 7,500 SH DEFINED 7,500
STATE STR CORP COM 857477103 775 8,000 SH OTHER 8,000
STERLING BANCSHARES INC COM 858907108 410 42,822 SH DEFINED 42,822
SUN MICROSYSTEMS INC COM 866810104 39,353 419,976 SH DEFINED 409,821 10,155
SUN MICROSYSTEMS INC COM 866810104 1,709 18,235 SH OTHER 12,235 6,000
SUNOCO INC COM 86764P109 283 10,324 SH DEFINED 6,324 4,000
SUNOCO INC COM 86764P109 11 400 SH OTHER 400
SUNTRUST BANKS INC COM 867914103 3,001 51,965 SH DEFINED 32,090 19,875
SUNTRUST BANKS INC COM 867914103 1,075 18,614 SH OTHER 17,714 900
SYBASE INC COM 871130100 488 24,000 SH DEFINED 24,000
SYMBOL TECHNOLOGIES INC COM 871508107 1,811 22,000 SH DEFINED 22,000
SYNOPSYS INC COM 871607107 1,073 22,000 SH DEFINED 22,000
SYNOVUS FINANCIAL CORP COM 87161C105 939 49,751 SH DEFINED 24,226 450 25,075
SYNOVUS FINANCIAL CORP COM 87161C105 4,228 224,003 SH OTHER 220,083 505 3,415
SYSCO CORP COM 871829107 2,483 68,748 SH DEFINED 67,918 830
SYSCO CORP COM 871829107 495 13,700 SH OTHER 13,300 400
TCBY ENTERPRISES INC COM 872245105 2,068 359,667 SH DEFINED 3,350 356,317
TECO ENERGY INC COM 872375100 310 15,940 SH DEFINED 15,940
TECO ENERGY INC COM 872375100 349 17,948 SH OTHER 17,148 800
TRW INC COM 872649108 1,031 17,616 SH DEFINED 17,491 125
TRW INC COM 872649108 35 600 SH OTHER 600
TANDY CORP COM 875382103 545 10,730 SH DEFINED 10,730
TANDY CORP COM 875382103 350 6,900 SH OTHER 6,900
TARGET CORP COM 87612E106 2,666 35,670 SH DEFINED 35,670
TARGET CORP COM 87612E106 456 6,100 SH OTHER 6,000 100
TELEFONICA S. A. SPONSORED ADR 879382208 800 10,753 SH DEFINED 10,753
TELLABS INC COM 879664100 18,906 300,178 SH DEFINED 286,293 13,885
TELLABS INC COM 879664100 1,061 16,848 SH OTHER 8,025 318 8,505
TEXACO INC COM 881694103 10,305 191,721 SH DEFINED 181,416 1,403 8,902
TEXACO INC COM 881694103 777 14,453 SH OTHER 11,553 1,950 950
TEXAS INSTRUMENTS INC COM 882508104 24,505 153,158 SH DEFINED 152,758 400
TEXAS INSTRUMENTS INC COM 882508104 1,392 8,700 SH OTHER 8,000 400 300
TEXAS UTILITIES CO COM 882848104 1,424 47,950 SH DEFINED 47,934 16
TEXAS UTILITIES CO COM 882848104 56 1,901 SH OTHER 1,901
TEXTRON INC COM 883203101 469 7,700 SH DEFINED 7,700
TEXTRON INC COM 883203101 548 9,000 SH OTHER 9,000
3 COM CORP COM 885535104 1,038 18,655 SH DEFINED 18,655
3 COM CORP COM 885535104 8 150 SH OTHER 150
TIFFANY & CO NEW COM 886547108 338 4,047 SH DEFINED 4,000 47
TIME WARNER INC COM 887315109 629 6,294 SH DEFINED 5,214 1,080
TIME WARNER INC COM 887315109 36 360 SH OTHER 360
TOPPS COMPANY COM 890786106 208 25,000 SH OTHER 25,000
TORCHMARK CORP COM 891027104 3,900 168,661 SH DEFINED 142,553 26,108
TORCHMARK CORP COM 891027104 7,300 315,693 SH OTHER 309,015 1,394 5,284
TRANSWITCH CORP COM 894065101 192 2,000 SH DEFINED 2,000
TRANSWITCH CORP COM 894065101 21 215 SH OTHER 215
TRICON GLOBAL RESTAURANTS COM 895953107 1,162 37,400 SH DEFINED 7,350 30,050
TRICON GLOBAL RESTAURANTS COM 895953107 37 1,200 SH OTHER 680 400 120
TRIBUNE CO NEW COM 896047107 731 20,000 SH DEFINED 20,000
TRIQUINT SEMICONDUCTOR INC COM 89674K103 735 10,000 SH DEFINED 10,000
TRIZEC HAHN CORPORATION SUB VTG 896938107 1,064 70,900 SH DEFINED 70,900
TRUSTMARK CORP COM 898402102 781 38,710 SH DEFINED 38,710
TYCO INTL LTD NEW COM 902124106 20,777 414,514 SH DEFINED 397,314 1,500 15,700
TYCO INTL LTD NEW COM 902124106 2,016 40,220 SH OTHER 36,420 3,800
TYSON FOODS CL A 902494103 918 82,550 SH DEFINED 82,100 450
TYSON FOODS CL A 902494103 2 200 SH OTHER 200
USX-MARATHON GRP COM NEW 902905827 318 12,200 SH DEFINED 12,100 100
USX-MARATHON GRP COM NEW 902905827 50 1,920 SH OTHER 1,350 570
UST INC COM 902911106 1,771 113,350 SH DEFINED 113,250 100
UST INC COM 902911106 38 2,400 SH OTHER 2,400
US BANCORP DEL COM 902973106 944 43,158 SH DEFINED 43,158
UNICOM CORPORATION COM 904911104 1,282 35,130 SH DEFINED 34,530 600
UNICOM CORPORATION COM 904911104 32 879 SH OTHER 100 779
UNION PACIFIC CORP COM 907818108 2,101 53,703 SH DEFINED 53,703
UNION PACIFIC CORP COM 907818108 202 5,157 SH OTHER 3,835 316 1,006
UNION PAC RES GROUP INC COM 907834105 285 19,637 SH DEFINED 19,637
UNION PAC RES GROUP INC COM 907834105 19 1,321 SH OTHER 1,321
UNION PLANTERS CORP COM 908068109 1,768 57,390 SH DEFINED 57,190 200
UNION PLANTERS CORP COM 908068109 6,837 221,885 SH OTHER 61,029 160,856
UNITED HEALTHCARE CORP COM 910581107 479 8,029 SH DEFINED 8,029
U S WEST INC NEW COM 91273H101 975 13,426 SH DEFINED 12,835 591
U S WEST INC NEW COM 91273H101 354 4,881 SH OTHER 3,963 630 288
UNITED TECHNOLOGIES CORP COM 913017109 2,703 42,779 SH DEFINED 42,719 60
UNITED TECHNOLOGIES CORP COM 913017109 880 13,932 SH OTHER 12,412 1,520
UNOCAL CORP COM 915289102 747 25,098 SH DEFINED 25,098
V F CORP COM 918204108 1,480 61,514 SH DEFINED 61,364 150
V F CORP COM 918204108 347 14,400 SH OTHER 14,400
VALUEVISION INTL INC CL A 92047K107 828 20,000 SH DEFINED 20,000
VENATOR GROUP INC COM 922944103 114 12,800 SH DEFINED 12,800
VERITAS SOFTWARE CO COM 923436109 5,249 40,069 SH DEFINED 40,000 69
VIAD CORP COM 92552R109 667 29,172 SH DEFINED 29,172
VIAD CORP COM 92552R109 59 2,600 SH OTHER 2,600
VIACOM INC CL B 925524308 2,649 50,212 SH DEFINED 45,534 4,678
VIACOM INC CL B 925524308 21 400 SH OTHER 400
VISIONAMERICA INC COM 92832C104 15 10,000 SH DEFINED 10,000
VITESSE SEMICONDUCTOR CORP COM 928497106 2,888 30,000 SH DEFINED 30,000
VODAFONE AIRTOUCH PLC SPONSORED ADR 92857T107 1,438 25,882 SH DEFINED 23,192 2,690
VODAFONE AIRTOUCH PLC SPONSORED ADR 92857T107 565 10,164 SH OTHER 6,430 3,734
VULCAN MATERIALS CO COM 929160109 13,795 301,108 SH DEFINED 300,460 648
VULCAN MATERIALS CO COM 929160109 6,518 142,275 SH OTHER 78,015 600 63,660
WACHOVIA CORP COM 929771103 1,450 21,463 SH DEFINED 20,178 360 925
WACHOVIA CORP COM 929771103 526 7,792 SH OTHER 5,736 2,056
WADDELL & REED FINL INC CL A 930059100 134 3,177 SH DEFINED 3,177
WADDELL & REED FINL INC CL A 930059100 570 13,460 SH OTHER 13,181 33 246
WADDELL & REED FINL INC CL B 930059209 535 13,706 SH DEFINED 13,706
WADDELL & REED FINL INC CL B 930059209 2,230 57,172 SH OTHER 55,768 145 1,259
WAL MART STORES INC COM 931142103 58,581 1,036,834 SH DEFINED 1,021,250 300 15,284
WAL MART STORES INC COM 931142103 6,991 123,738 SH OTHER 83,798 32,815 7,125
WALGREEN CO COM 931422109 763 29,650 SH DEFINED 29,350 300
WARNER LAMBERT CO COM 934488107 10,914 111,727 SH DEFINED 111,002 725
WARNER LAMBERT CO COM 934488107 855 8,753 SH OTHER 7,353 200 1,200
WASHINGTON MUTUAL INC COM 939322103 1,003 37,853 SH DEFINED 37,743 110
WASHINGTON MUTUAL INC COM 939322103 27 1,008 SH OTHER 672 336
WASTE MANAGEMENT COM COM 94106L109 1,251 91,364 SH DEFINED 5,564 85,800
WASTE MANAGEMENT COM COM 94106L109 7 507 SH OTHER 507
WATERS CORP COM 941848103 1,715 18,000 SH DEFINED 18,000
WEATHERFORD INTL INC NEW COM 947074100 772 13,200 SH DEFINED 13,200
WELLS FARGO & CO NEW COM 949746101 7,508 184,257 SH DEFINED 183,907 350
WELLS FARGO & CO NEW COM 949746101 1,027 25,200 SH OTHER 14,600 1,200 9,400
WESTWOOD ONE INC COM 961815107 1,160 32,000 SH DEFINED 32,000
WEYERHAEUSER CO COM 962166104 1,065 18,676 SH DEFINED 18,510 116 50
WEYERHAEUSER CO COM 962166104 101 1,779 SH OTHER 1,479 300
WILLIAMS COS INC COM 969457100 649 14,772 SH DEFINED 13,042 1,730
WILLIAMS COS INC COM 969457100 18 400 SH OTHER 400
WISCONSIN ENERGY CORP COM 976657106 527 26,455 SH DEFINED 25,455 1,000
WISCONSIN ENERGY CORP COM 976657106 36 1,811 SH OTHER 1,811
WRIGLEY WM JR CO COM 982526105 2,934 38,202 SH DEFINED 37,952 250
WRIGLEY WM JR CO COM 982526105 469 6,100 SH OTHER 6,100
XEROX CORP COM 984121103 4,926 189,467 SH DEFINED 175,267 1,200 13,000
XEROX CORP COM 984121103 394 15,150 SH OTHER 12,150 1,000 2,000
YAHOO INC COM 984332106 13,686 79,858 SH DEFINED 76,690 3,168
YAHOO INC COM 984332106 69 400 SH OTHER 400
ZIONS BANCORPORATION COM 989701107 500 12,000 SH DEFINED 12,000
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