<PAGE>
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
Form 13F COVER PAGE
Report for the Quarter Ended: September 30, 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 November 13, 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
<PAGE>
Form 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 809
Form 13F Information Table Value Total: $3,089,750(thousands)
List of Other Included Managers: None
Provide a numbered list of the name(s) and Form 13F file
number(s) of all institutional investment managers with respect
to which this report is filed, other than the manager filing this
report.
<PAGE>
Form 13F INFORMATION TABLE
<TABLE>
<S> <C> <C> <C> <C> <C> <C>
<C> <C>
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 8
NAME OF ISSUER TITLE OF CLASS CUSIP VALUE
SHRS OR SH/ PUT/ INVESTMENT VOTING
AUTHORITY
(THOUSANDS) PRN AMT PRN
CALL DISCRETION SOLE
SHARED NONE
GLOBAL CROSSING LTD COM G3921A100 3,439
110,926 SH DEFINED 91,076
19,850
GLOBAL CROSSING LTD COM G3921A100 305
9,825 SH OTHER 9,311 514
HILFIGER TOMMY CORP ORD G8915Z102 770
80,000 SH DEFINED 80,000
TRANSOCEAN SEDCO FOREX INC ORD G90078109 991
16,913 SH DEFINED 16,601 58
254
TRANSOCEAN SEDCO FOREX INC ORD G90078109 81
1,386 SH OTHER 1,329 38
19
FLEXTRONICS INTL ORD Y2573F102 336
4,097 SH DEFINED 2,018
2,079
FLEXTRONICS INTL ORD Y2573F102 8
100 SH OTHER
100
ADC TELECOMMUNICATIONS INC COM 000886101 1,345
50,000 SH DEFINED 50,000
AFLAC INC COM 001055102 15,070
233,195 SH DEFINED 230,105
3,090
AFLAC INC COM 001055102 217
3,355 SH OTHER 1,005 850
1,500
AGL RES INC COM 001204106 206
10,250 SH DEFINED 7,278 2,972
AGL RES INC COM 001204106 243
12,100 SH OTHER 12,100
AES CORP COM 00130H105 2,447
35,708 SH DEFINED 35,600
108
AMR CORP DEL COM 001765106 323
9,857 SH DEFINED 9,450
407
AMR CORP DEL COM 001765106 50
1,540 SH OTHER 1,540
A T & T CORP COM 001957109 12,447
423,731 SH DEFINED 393,241 2,005
28,485
A T & T CORP COM 001957109 2,083
70,907 SH OTHER 59,014 3,620
8,273
ABBOTT LABORATORIES COM 002824100 12,138
255,191 SH DEFINED 252,466
2,725
ABBOTT LABORATORIES COM 002824100 1,582
33,254 SH OTHER 16,883
16,371
ACXIOM CORP COM 005125109 1,075
33,843 SH DEFINED 33,843
ACXIOM CORP COM 005125109 103
3,250 SH OTHER 250 800
2,200
ADTRAN INC COM 00738A106 621
14,600 SH DEFINED 14,600
AEGON N V ORD AMER REG 007924103 812
21,884 SH DEFINED 21,884
AEGON N V ORD AMER REG 007924103 740
19,941 SH OTHER 11,949
7,992
AETNA INC COM 008117103 789
13,584 SH DEFINED 7,584
6,000
AETNA INC COM 008117103 58
1,000 SH OTHER 1,000
AGILENT TECHNOLOGIES INC COM 00846U101 1,072
21,910 SH DEFINED 21,186
724
AGILENT TECHNOLOGIES INC COM 00846U101 316
6,451 SH OTHER 5,728 114
609
AIR PRODUCTS & CHEMICALS INC COM 009158106 735
20,407 SH DEFINED 19,975
432
AIR PRODUCTS & CHEMICALS INC COM 009158106 114
3,176 SH OTHER 2,176
1,000
AKZO NOBEL N. V. ADR SPONSORED ADR 010199305 215
5,096 SH DEFINED 5,096
AKZO NOBEL N. V. ADR SPONSORED ADR 010199305 8
190 SH OTHER
190
ALBERTSONS INC COM 013104104 537
25,575 SH DEFINED 25,012
563
ALBERTSONS INC COM 013104104 8
400 SH OTHER
400
ALCOA INC COM 013817101 2,087
82,439 SH DEFINED 82,055
384
ALCOA INC COM 013817101 163
6,422 SH OTHER 5,690
732
ALEXANDER & BALDWIN INC COM COM 014482103 944
36,300 SH DEFINED
36,300
ALFA CORP COM 015385107 427
24,474 SH DEFINED 19,474
5,000
ALFA CORP COM 015385107 378
21,698 SH OTHER 698
21,000
ALLEGHENY ENERGY INC COM 017361106 241
6,310 SH DEFINED 6,110
200
ALLEGHENY ENERGY INC COM 017361106 53
1,400 SH OTHER 600
800
ALLIANCE CAP MGMT HLDG L P UNIT LTD PARTN 01855A101 609
12,150 SH DEFINED 12,150
ALLIANCE CAP MGMT HLDG L P UNIT LTD PARTN 01855A101 50
1,000 SH OTHER 1,000
ALLIED WASTE INDS INC COM PAR $.01 NEW 019589308 919
100,000 SH DEFINED 100,000
ALLSTATE CORP COM 020002101 3,384
97,380 SH DEFINED 92,882 2,348
2,150
ALLSTATE CORP COM 020002101 662
19,054 SH OTHER 16,080 2,974
ALLTEL CORP COM 020039103 8,069
154,606 SH DEFINED 154,056
550
ALLTEL CORP COM 020039103 527
10,095 SH OTHER 10,079 16
AMEREN CORP COM 023608102 251
5,986 SH DEFINED 5,883
103
AMEREN CORP COM 023608102 54
1,300 SH OTHER 1,300
AMERICA ONLINE INC DEL COM 02364J104 19,373
360,419 SH DEFINED 337,656 400
22,363
AMERICA ONLINE INC DEL COM 02364J104 872
16,214 SH OTHER 12,485 1,504
2,225
AMERICAN ELECTRIC POWER INC COM 025537101 975
24,910 SH DEFINED 23,883
1,027
AMERICAN ELECTRIC POWER INC COM 025537101 72
1,851 SH OTHER 1,530 60
261
AMERICAN EXPRESS CO COM 025816109 19,316
317,954 SH DEFINED 308,214
9,740
AMERICAN EXPRESS CO COM 025816109 2,562
42,165 SH OTHER 29,451 1,500
11,214
AMERICAN GENERAL CORP COM 026351106 3,780
48,465 SH DEFINED 48,390
75
AMERICAN GENERAL CORP COM 026351106 23
300 SH OTHER 150
150
AMERICAN GREETINGS CORP CL A CL A 026375105 110
6,300 SH DEFINED 6,300
AMERICAN GREETINGS CORP CL A CL A 026375105 158
9,000 SH OTHER 3,600
5,400
AMERICAN HOME PRODUCTS CORP COM 026609107 33,634
595,952 SH DEFINED 570,610 800
24,542
AMERICAN HOME PRODUCTS CORP COM 026609107 7,519
133,223 SH OTHER 124,885 1,958
6,380
AMERICAN INTL GROUP INC COM 026874107 58,139
607,588 SH DEFINED 597,187
10,401
AMERICAN INTL GROUP INC COM 026874107 2,342
24,478 SH OTHER 17,240 1,148
6,090
AMERICAN STD COS INC DEL COM 029712106 1,155
26,000 SH DEFINED 26,000
AMGEN INC COM 031162100 15,294
219,030 SH DEFINED 217,765
1,265
AMGEN INC COM 031162100 304
4,349 SH OTHER 3,207 507
635
AMSOUTH BANCORPORATION COM 032165102 6,485
518,823 SH DEFINED 467,882
50,941
AMSOUTH BANCORPORATION COM 032165102 4,427
354,165 SH OTHER 240,281 5,000
108,884
ANADARKO PETE CORP COM 032511107 1,953
29,381 SH DEFINED 29,381
ANADARKO PETE CORP COM 032511107 76
1,139 SH OTHER 1,139
ANALOG DEVICES INC COM 032654105 352
4,250 SH DEFINED 4,250
ANALOG DEVICES INC COM 032654105 8
100 SH OTHER
100
ANHEUSER BUSCH COS INC COM 035229103 4,468
105,595 SH DEFINED 104,157
1,438
ANHEUSER BUSCH COS INC COM 035229103 979
23,136 SH OTHER 20,726 1,010
1,400
AON CORP COM 037389103 1,538
39,175 SH DEFINED 11,175
28,000
APPLIED MICRO CIRCUITS CORP COM 03822W109 307
1,485 SH DEFINED 1,485
APPLIED MATLS INC COM 038222105 3,390
57,150 SH DEFINED 55,985
1,165
APPLIED MATLS INC COM 038222105 4
75 SH OTHER
75
ASSOCIATES FIRST CAP CORP CL A 046008108 1,845
48,562 SH DEFINED 48,484
78
ASSOCIATES FIRST CAP CORP CL A 046008108 109
2,878 SH OTHER 2,656 26
196
ASTRAZENECA PLC SPONSORED ADR 046353108 315
6,000 SH DEFINED 6,000
ATMEL CORP COM 049513104 1,532
100,900 SH DEFINED 100,900
ATMEL CORP COM 049513104 2
100 SH OTHER 100
AUBURN NATIONAL BANCORPORATION COM 050473107 654
50,310 SH OTHER 50,310
AUTOMATIC DATA PROCESSING INC COM 053015103 13,089
195,718 SH DEFINED 188,593 800
6,325
AUTOMATIC DATA PROCESSING INC COM 053015103 1,423
21,279 SH OTHER 14,390 2,214
4,675
AVON PRODS INC COM 054303102 541
13,243 SH DEFINED 12,993
250
BB&T CORP COM 054937107 463
15,384 SH DEFINED 15,384
BJS WHSL CLUB INC COM 05548J106 1,104
32,000 SH DEFINED 32,000
BJ SVCS CO COM 055482103 1,840
30,100 SH DEFINED 30,000
100
BP AMOCO PLC ADS SPONSORED ADR 055622104 13,604
256,678 SH DEFINED 246,788 787
9,103
BP AMOCO PLC ADS SPONSORED ADR 055622104 3,714
70,082 SH OTHER 57,605 11,791
686
BMC SOFTWARE INC COM 055921100 531
27,786 SH DEFINED 26,586
1,200
BMC SOFTWARE INC COM 055921100 4
200 SH OTHER 200
BAKER HUGHES INC COM 057224107 1,064
28,662 SH DEFINED 28,062
600
BAKER HUGHES INC COM 057224107 5
147 SH OTHER 106 41
BANK AMER CORP COM 060505104 16,109
307,569 SH DEFINED 292,744 4,009
10,816
BANK AMER CORP COM 060505104 11,190
213,656 SH OTHER 204,252 9,104
300
BANK NEW YORK INC COM 064057102 4,523
80,047 SH DEFINED 72,267 7,600
180
BANK NEW YORK INC COM 064057102 275
4,860 SH OTHER 4,460
400
BANK ONE CORP COM 06423A103 271
7,123 SH DEFINED 5,657
1,466
BANK ONE CORP COM 06423A103 422
11,098 SH OTHER 7,898 1,500
1,700
BARRICK GOLD CORP COM 067901108 1,957
128,355 SH DEFINED 127,525
830
BARRICK GOLD CORP COM 067901108 15
1,000 SH OTHER 1,000
BAXTER INTERNATIONAL INC COM 071813109 1,812
22,709 SH DEFINED 22,619
90
BAXTER INTERNATIONAL INC COM 071813109 356
4,459 SH OTHER 3,295 940
224
BEAR STEARNS COS INC COM 073902108 666
10,548 SH DEFINED 10,548
BEAR STEARNS COS INC COM 073902108 74
1,177 SH OTHER 1,177
BECKMAN COULTER INC COM 075811109 1,697
22,000 SH DEFINED 22,000
BECTON DICKINSON & CO COM 075887109 259
9,800 SH DEFINED 9,800
BECTON DICKINSON & CO COM 075887109 27
1,008 SH OTHER 1,008
BELLSOUTH CORP COM 079860102 17,349
428,362 SH DEFINED 401,700 3,150
23,512
BELLSOUTH CORP COM 079860102 5,251
129,666 SH OTHER 109,545 8,860
11,261
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 515 8 SH DEFINED
7 1
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 1,288
20 SH OTHER
20
BERKSHIRE HATHAWAY INC DEL CL B 084670207 1,822
880 SH DEFINED 875 5
BERKSHIRE HATHAWAY INC DEL CL B 084670207 518
250 SH OTHER 245 5
BESTFOODS COM 08658U101 1,181
16,234 SH DEFINED 15,380
854
BESTFOODS COM 08658U101 1,245
17,108 SH OTHER 10,608 1,400
5,100
BIOCRYST PHARMACEUTICALS INC COM 09058V103 100
4,800 SH DEFINED 4,800
BIOCRYST PHARMACEUTICALS INC COM 09058V103 2,291
110,054 SH OTHER 2,000
108,054
BIOGEN INC COM 090597105 1,077
17,649 SH DEFINED 17,625
24
BIOGEN INC COM 090597105 3
50 SH OTHER 50
BLACK HILLS CORP COM 092113109 281
10,000 SH DEFINED 10,000
BLACKROCK INSD MUN TERM TR INC COM 092474105 253
25,000 SH DEFINED 25,000
BLOUNT INTL INC NEW COM 095180105 538
47,851 SH OTHER
47,851
BOCA RESH INC COM 096888102 29
10,000 SH OTHER 10,000
BOEING CO COM 097023105 5,116
81,530 SH DEFINED 80,622
908
BOEING CO COM 097023105 11,574
184,440 SH OTHER 182,952
1,488
BRISTOL MYERS SQUIBB CO COM 110122108 42,717
742,905 SH DEFINED 715,852 1,300
25,753
BRISTOL MYERS SQUIBB CO COM 110122108 7,609
132,322 SH OTHER 107,995 5,852
18,475
BROADCOM CORPORATION CL A 111320107 1,956
8,024 SH DEFINED 8,000
24
BURLINGTON NORTHN SANTA FE CORP COM 12189T104 2,992
138,777 SH DEFINED 135,927 2,850
BURLINGTON NORTHN SANTA FE CORP COM 12189T104 184
8,544 SH OTHER 7,119 1,425
BURLINGTON RESOURCES INC COM 122014103 1,432
38,894 SH DEFINED 34,862 1,436
2,596
BURLINGTON RESOURCES INC COM 122014103 155
4,204 SH OTHER 3,486 718
CDW COMPUTER CTRS INC COM 125129106 2,070
30,000 SH DEFINED 30,000
CIGNA CORP COM 125509109 1,075
10,300 SH DEFINED 10,300
CIGNA CORP COM 125509109 229
2,196 SH OTHER
2,196
C P & L ENERGY INC COM 12614C106 116
2,774 SH DEFINED 2,766 8
C P & L ENERGY INC COM 12614C106 98
2,348 SH OTHER 348
2,000
CSX CORP COM 126408103 180
8,240 SH DEFINED 8,240
CSX CORP COM 126408103 138
6,320 SH OTHER 5,920
400
CADENCE DESIGN SYS INC COM 127387108 2,055
80,000 SH DEFINED 80,000
CALPINE CORP COM 131347106 5,011
48,000 SH DEFINED 48,000
CAMPBELL SOUP CO COM 134429109 228
8,800 SH DEFINED 8,200 600
CAMPBELL SOUP CO COM 134429109 88
3,400 SH OTHER 2,000 800
600
CANADIAN PACIFIC LTD COM 135923100 1,313
50,500 SH DEFINED 2,000
48,500
CARLISLE COS INC COM 142339100 303
7,300 SH DEFINED 2,500
4,800
CARNIVAL CORP COM 143658102 739
30,017 SH DEFINED 30,017
CATELLUS DEV CORP COM 149111106 1,192
68,136 SH DEFINED 136
68,000
CATERPILLAR INC COM 149123101 951
30,667 SH DEFINED 30,067
600
CATERPILLAR INC COM 149123101 146
4,702 SH OTHER 4,702
CENTURYTEL INC COM 156700106 410
15,058 SH DEFINED 15,058
CENTURYTEL INC COM 156700106 26
945 SH OTHER 945
CHASE MANHATTAN CORP NEW COM 16161A108 6,205
134,345 SH DEFINED 133,235
1,110
CHASE MANHATTAN CORP NEW COM 16161A108 164
3,549 SH OTHER 3,549
CHECKFREE CORP NEW COM 162813109 419
10,000 SH DEFINED 10,000
CHEVRON CORP COM 166751107 13,611
159,656 SH DEFINED 157,134 1,266
1,256
CHEVRON CORP COM 166751107 3,043
35,698 SH OTHER 28,829 2,509
4,360
CHIRON CORP COM 170040109 3,474
77,190 SH DEFINED 77,190
CHIRON CORP COM 170040109 45
1,000 SH OTHER 1,000
CHUBB CORP COM 171232101 821
10,378 SH DEFINED 10,378
CIENA CORP COM 171779101 235
1,915 SH DEFINED 1,915
CINERGY CORP COM 172474108 185
5,587 SH DEFINED 4,837
750
CINERGY CORP COM 172474108 66
2,000 SH OTHER 2,000
CIRCUIT CITY STORES GROUP CIRCT CITY GRP 172737108 1,349
58,649 SH DEFINED 58,021
628
CIRCUIT CITY STORES GROUP CIRCT CITY GRP 172737108 235
10,206 SH OTHER 1,761 545
7,900
CISCO SYS INC COM 17275R102 72,331
1,309,158 SH DEFINED 1,257,047 3,150
48,961
CISCO SYS INC COM 17275R102 2,604
47,127 SH OTHER 35,793 5,164
6,170
CITIGROUP INC COM 172967101 33,017
610,710 SH DEFINED 580,458
30,252
CITIGROUP INC COM 172967101 5,791
107,108 SH OTHER 88,871 3,522
14,715
CLEAR CHANNEL COMMUNICATIONS COM 184502102 678
12,000 SH DEFINED 12,000
CLOROX CO COM 189054109 3,759
95,006 SH DEFINED 78,476 800
15,730
CLOROX CO COM 189054109 344
8,706 SH OTHER 4,872 2,410
1,424
COASTAL CORP COM 190441105 56
754 SH DEFINED 754
COASTAL CORP COM 190441105 148
2,000 SH OTHER
2,000
COCA COLA CO COM 191216100 100,075
1,815,420 SH DEFINED 1,754,810 13,090
47,520
COCA COLA CO COM 191216100 97,929
1,776,489 SH OTHER 1,702,661 38,578
35,250
COCA COLA ENTERPRISES INC COM 191219104 3,414
214,203 SH DEFINED 46,451
167,752
COCA COLA ENTERPRISES INC COM 191219104 26,227
1,645,566 SH OTHER 1,645,485 81
COLGATE PALMOLIVE CO COM 194162103 4,438
94,026 SH DEFINED 89,408
4,618
COLGATE PALMOLIVE CO COM 194162103 12,972
274,828 SH OTHER 271,228 1,600
2,000
COLONIAL BANCGROUP INC COM 195493309 126
12,186 SH DEFINED 12,166
20
COLONIAL BANCGROUP INC COM 195493309 195
18,784 SH OTHER 14,784
4,000
COLONIAL PPTYS TR COM SH BEN INT 195872106 167
6,485 SH DEFINED 6,485
COLONIAL PPTYS TR COM SH BEN INT 195872106 311
12,100 SH OTHER 12,100
COMERICA INC COM 200340107 409
7,000 SH DEFINED 7,000
COMPASS BANCSHARES, INC. COM 20449H109 1,989
101,975 SH DEFINED 96,356
5,619
COMPASS BANCSHARES, INC. COM 20449H109 1,817
93,194 SH OTHER 93,194
COMPAQ COMPUTER CORP COM 204493100 3,657
132,879 SH DEFINED 131,246 200
1,433
COMPAQ COMPUTER CORP COM 204493100 706
25,661 SH OTHER 25,461 200
COMPUTER SCIENCES CORP COM 205363104 1,658
22,325 SH DEFINED 21,225
1,100
COMPUTER SCIENCES CORP COM 205363104 15
200 SH OTHER 100 100
COMVERSE TECHNOLOGY INC COM PAR $.10 205862402 58
540 SH DEFINED 420
120
COMVERSE TECHNOLOGY INC COM PAR $.10 205862402 324
3,000 SH OTHER 3,000
CONAGRA FOODS INC COM COM 205887102 634
31,600 SH DEFINED 31,600
CONAGRA FOODS INC COM COM 205887102 240
11,962 SH OTHER 11,562 200
200
CONCORD EFS INC COM 206197105 2,166
61,000 SH DEFINED 61,000
CONEXANT SYS INC COM 207142100 694
16,568 SH DEFINED 16,568
CONEXANT SYS INC COM 207142100 122
2,914 SH OTHER 1,466
1,448
CONOCO INC CL B 208251405 2,015
74,795 SH DEFINED 74,265
530
CONOCO INC CL B 208251405 96
3,562 SH OTHER 3,562
CONSOLIDATED EDISON INC COM 209115104 820
24,001 SH DEFINED 24,001
CONSOLIDATED EDISON INC COM 209115104 138
4,040 SH OTHER 4,040
CONSTELLATION ENERGY GROUP I COM 210371100 232
4,658 SH DEFINED 4,658
CONSTELLATION ENERGY GROUP I COM 210371100 22
436 SH OTHER 436
COOPER CAMERON CORP COM 216640102 3,378
45,836 SH DEFINED 44,836
1,000
COOPER CAMERON CORP COM 216640102 61
834 SH OTHER 180 354
300
CORNING INC COM 219350105 19,215
64,697 SH DEFINED 63,754
943
CORNING INC COM 219350105 832
2,800 SH OTHER 2,400 400
COSTCO WHSL CORP COM 22160K105 1,242
35,562 SH DEFINED 35,390
172
COSTCO WHSL CORP COM 22160K105 374
10,700 SH OTHER 400
10,300
CROSS TIMBERS OIL CO COM 227573102 301
15,712 SH DEFINED 15,712
CROWN CORK & SEAL INC COM 228255105 483
45,200 SH DEFINED 45,200
CROWN CORK & SEAL INC COM 228255105 15
1,450 SH OTHER
1,450
DPL INC COM 233293109 1,786
60,000 SH DEFINED 60,000
DPL INC COM 233293109 42
1,400 SH OTHER 1,400
DANA CORP COM 235811106 223
10,388 SH DEFINED 10,388
DANA CORP COM 235811106 20
920 SH OTHER 920
DEERE & CO COM 244199105 571
17,160 SH DEFINED 17,035
125
DEERE & CO COM 244199105 90
2,700 SH OTHER 2,400 300
DELL COMPUTER CORP COM 247025109 6,833
221,755 SH DEFINED 204,904 1,600
15,251
DELL COMPUTER CORP COM 247025109 1,039
33,718 SH OTHER 16,935 2,383
14,400
DELPHI AUTOMOTIVE SYS CORP COM 247126105 591
39,104 SH DEFINED 38,568 419
117
DELPHI AUTOMOTIVE SYS CORP COM 247126105 105
6,975 SH OTHER 6,059 828
88
DELTA AIR LINES INC COM 247361108 501
11,290 SH DEFINED 11,290
DELTA AIR LINES INC COM 247361108 256
5,772 SH OTHER 5,688 84
DELTIC TIMBER CORP COM 247850100 311
18,386 SH DEFINED 18,386
DELTIC TIMBER CORP COM 247850100 26
1,546 SH OTHER 1,546
DIAL CORP NEW COM COM 25247D101 2,428
208,897 SH DEFINED 180,678 500
27,719
DIAL CORP NEW COM COM 25247D101 340
29,256 SH OTHER 25,726 1,776
1,754
DIAMOND OFFSHORE DRILLNG INC COM COM 25271C102 1,816
44,285 SH DEFINED 44,285
DIAMOND OFFSHORE DRILLNG INC COM COM 25271C102 4
100 SH OTHER 100
DIEBOLD INC COM 253651103 221
8,323 SH DEFINED 7,123
1,200
DILLARDS INC CL A 254067101 134
12,653 SH DEFINED 4,719
7,934
DILLARDS INC CL A 254067101 100
9,400 SH OTHER 9,400
WALT DISNEY COMPANY COM DISNEY 254687106 7,586
198,330 SH DEFINED 196,516 500
1,314
WALT DISNEY COMPANY COM DISNEY 254687106 2,154
56,323 SH OTHER 31,501 3,700
21,122
DOLLAR TREE STORES INC COM 256747106 1,217
30,000 SH DEFINED 30,000
DOMINION RES INC VA NEW COM 25746U109 1,372
23,622 SH DEFINED 23,402
220
DOMINION RES INC VA NEW COM 25746U109 24
421 SH OTHER 421
DOVER CORP COM 260003108 1,964
41,844 SH DEFINED 16,800
25,044
DOW CHEM CO COM COM 260543103 1,770
70,971 SH DEFINED 70,671
300
DOW CHEM CO COM COM 260543103 353
14,163 SH OTHER 12,888 1,275
DREYFUS STRATEGIC MUNS INC COM 261932107 428
50,000 SH DEFINED 50,000
DREYFUS STRATEGIC MUNS INC COM 261932107 29
3,400 SH OTHER 3,400
DREYFUS STRATEGIC MUN BD FD INC COM 26202F107 446
53,304 SH DEFINED 53,304
DU PONT E I DE NEMOURS & CO COM 263534109 14,255
348,736 SH DEFINED 341,049 1,206
6,481
DU PONT E I DE NEMOURS & CO COM 263534109 2,402
58,756 SH OTHER 45,856 200
12,700
DUFF & PHELPS UTILS INCOME,INC COM 264324104 119
12,255 SH DEFINED 11,851
404
DUFF & PHELPS UTILS INCOME,INC COM 264324104 37
3,840 SH OTHER 3,840
DUKE ENERGY CORP COM 264399106 5,178
60,373 SH DEFINED 57,469
2,904
DUKE ENERGY CORP COM 264399106 649
7,562 SH OTHER 7,312 250
DUN & BRADSTREET CORP DEL COM 26483B106 249
7,233 SH DEFINED 4,710
2,523
DUN & BRADSTREET CORP DEL COM 26483B106 28
800 SH OTHER 800
DYNEGY INC NEW CL A 26816Q101 2,383
41,800 SH DEFINED 40,400
1,400
E M C CORP MASS COM 268648102 47,880
481,204 SH DEFINED 453,573
27,631
E M C CORP MASS COM 268648102 2,463
24,758 SH OTHER 17,625 1,586
5,547
ENSCO INTL INC COM 26874Q100 1,836
48,000 SH DEFINED 48,000
EASTMAN KODAK CO COM 277461109 1,626
39,771 SH DEFINED 34,905 2,316
2,550
EASTMAN KODAK CO COM 277461109 484
11,843 SH OTHER 10,160 633
1,050
EATON CORP COM 278058102 321
5,210 SH DEFINED 5,210
EATON VANCE MUNICIPAL INCOME FD SH BEN INT 27826U108
387 33,332 SH DEFINED 33,332
ECOLAB INC COM 278865100 1,115
30,906 SH DEFINED 8,125
22,781
EDISON INTERNATIONAL COM 281020107 796
41,178 SH DEFINED 40,478
700
EDISON INTERNATIONAL COM 281020107 42
2,184 SH OTHER 2,184
EL PASO ENERGY CORP DEL COM 283905107 494
8,014 SH DEFINED 5,814
2,200
EL PASO ENERGY CORP DEL COM 283905107 535
8,679 SH OTHER 8,607
72
ELECTRONIC ARTS COM 285512109 1,383
28,000 SH DEFINED 28,000
ELECTRONIC ARTS COM 285512109 331
6,700 SH OTHER
6,700
ELECTRONIC DATA SYS CORP NEW COM 285661104 1,985
47,834 SH DEFINED 46,511 40
1,283
ELECTRONIC DATA SYS CORP NEW COM 285661104 729
17,568 SH OTHER 3,156 100
14,312
EMERSON ELECTRIC CO COM 291011104 3,909
58,343 SH DEFINED 57,758
585
EMERSON ELECTRIC CO COM 291011104 721
10,760 SH OTHER 9,260 1,200
300
ENERGEN CORP COM 29265N108 352
11,846 SH DEFINED 9,446
2,400
ENERGEN CORP COM 29265N108 259
8,700 SH OTHER 6,700
2,000
ENERGYSOUTH INC COM 292970100 1,194
59,678 SH DEFINED 45,486
14,192
ENERGYSOUTH INC COM 292970100 48
2,400 SH OTHER 2,400
ENRON CORPORATION ORGEON COM 293561106 2,867
32,717 SH DEFINED 32,117
600
ENTERGY CORP COM 29364G103 471
12,630 SH DEFINED 12,367 8
255
ENTERGY CORP COM 29364G103 4
100 SH OTHER 100
EQUITY INCOME FUND UT 1 EX SR-ATT 294700703 543
3,483 SH DEFINED 3,000
483
EQUITY INCOME FUND UT 1 EX SR-ATT 294700703 16
100 SH OTHER 100
EXXON MOBIL CORP COM 30231G102 77,037
864,569 SH DEFINED 794,840 4,086
65,643
EXXON MOBIL CORP COM 30231G102 16,873
189,367 SH OTHER 169,887 9,975
9,505
FPL GROUP INC COM 302571104 1,994
30,325 SH DEFINED 29,859 16
450
FPL GROUP INC COM 302571104 85
1,300 SH OTHER 600 400
300
FAMILY DOLLAR STORES INC COM 307000109 2,181
113,300 SH DEFINED 113,300
FAMILY DOLLAR STORES INC COM 307000109 35
1,800 SH OTHER 1,800
FEDERAL HOME LN MTG CORP COM 313400301 2,196
40,618 SH DEFINED 40,348
270
FEDERAL NATIONAL MORTGAGE ASSN COM 313586109 11,249
157,333 SH DEFINED 152,700 500
4,133
FEDERAL NATIONAL MORTGAGE ASSN COM 313586109 782
10,936 SH OTHER 8,473 1,256
1,207
FEDERATED DEPT STORES INC NEW COM 31410H101 261
10,000 SH DEFINED 10,000
FEDEX CORP COM 31428X106 2,460
55,484 SH DEFINED 18,638
36,846
FEDEX CORP COM 31428X106 50
1,129 SH OTHER 929 200
FIFTH THIRD BANCORP COM 316773100 944
17,527 SH DEFINED 17,325
202
FIRST AMERICAN COM 31852M105 30
12,500 SH OTHER 12,500
FIRST DATA CORP COM 319963104 1,330
34,055 SH DEFINED 33,755
300
FIRST DATA CORP COM 319963104 74
1,902 SH OTHER 1,902
FIRST UNION CORP COM 337358105 2,573
79,952 SH DEFINED 77,182
2,770
FIRST UNION CORP COM 337358105 196
6,076 SH OTHER 4,076
2,000
FIRST VIRGINIA BANKSHARES, INC. COM 337477103 1,240
29,080 SH OTHER 29,080
FIRSTAR CORP NEW WIS COM 33763V109 6,478
289,523 SH DEFINED 289,523
FIRSTAR CORP NEW WIS COM 33763V109 14
634 SH OTHER 634
FIRSTENERGY CORP COM 337932107 191
7,091 SH DEFINED 6,891
200
FIRSTENERGY CORP COM 337932107 15
566 SH OTHER 200 190
176
FLEETBOSTON FINL CORP COM 339030108 2,420
62,053 SH DEFINED 62,053
FLEETBOSTON FINL CORP COM 339030108 90
2,302 SH OTHER 2,302
FLEMING COMPANIES INC COM 339130106 237
18,150 SH DEFINED 18,150
FLORIDA PROGRESS CORP COM 341109106 1,651
31,175 SH DEFINED 30,300
875
FLORIDA PROGRESS CORP COM 341109106 113
2,125 SH OTHER 2,050 75
FLORIDA ROCK INDS INC COM 341140101 316
8,016 SH DEFINED 4,850 3,166
FLORIDA ROCK INDS INC COM 341140101 62
1,583 SH OTHER 1,583
FORD MTR CO DEL COM PAR $.O1 345370860 4,824
189,187 SH DEFINED 185,052
4,135
FORD MTR CO DEL COM PAR $.O1 345370860 362
14,189 SH OTHER 11,107
3,082
FOREST LABS INC COM 345838106 5,603
48,850 SH DEFINED 48,800
50
FOREST LABS INC COM 345838106 6
50 SH OTHER 50
FORTUNE BRANDS INC COM 349631101 448
16,895 SH DEFINED 14,720
2,175
FORTUNE BRANDS INC COM 349631101 113
4,280 SH OTHER 4,280
FOTOBALL USA INC COM 350384103 35
10,000 SH DEFINED 10,000
FRONTIER AIRLINES COM 359065109 2,333
120,000 SH DEFINED 120,000
GALLAHER GROUP PLC SPONSORED ADR 363595109 323
13,872 SH DEFINED 13,572
300
GALLAHER GROUP PLC SPONSORED ADR 363595109 76
3,280 SH OTHER 3,280
GANNETT INC COM 364730101 2,025
38,211 SH DEFINED 34,946 600
2,665
GANNETT INC COM 364730101 770
14,524 SH OTHER 14,124
400
GAP INC COM 364760108 370
18,382 SH DEFINED 16,182 1,800
400
GAP INC COM 364760108 25
1,225 SH OTHER 300
925
GATEWAY INC COM 367626108 1,868
38,725 SH DEFINED 37,700
1,025
GATEWAY INC COM 367626108 475
9,850 SH OTHER 9,850
GENERAL ELECTRIC CO COM 369604103 163,482
2,827,784 SH DEFINED 2,758,914 4,200
64,670
GENERAL ELECTRIC CO COM 369604103 37,852
654,737 SH OTHER 564,654 13,196
76,887
GENERAL MILLS INC COM 370334104 2,090
58,883 SH DEFINED 53,504
5,379
GENERAL MILLS INC COM 370334104 459
12,939 SH OTHER 11,899
1,040
GENERAL MOTORS CORP COM 370442105 7,079
108,904 SH DEFINED 91,586 750
16,568
GENERAL MOTORS CORP COM 370442105 946
14,550 SH OTHER 13,647
903
GENERAL MOTORS CORP CL H NEW 370442832 146
3,917 SH DEFINED 3,887
30
GENERAL MOTORS CORP CL H NEW 370442832 101
2,718 SH OTHER 2,718
GENUINE PARTS CO COM 372460105 1,099
57,640 SH DEFINED 44,840
12,800
GENUINE PARTS CO COM 372460105 269
14,095 SH OTHER 13,495
600
GENZYME CORP COM GENL DIV 372917104 2,046
30,000 SH DEFINED 30,000
GEORGIA PAC CORP COM GA PAC GRP 373298108 1,882
80,101 SH DEFINED 78,029 2,072
GEORGIA PAC CORP COM-TIMBER GRP 373298702 2,984
111,044 SH DEFINED 59,508 1,036
50,500
GILEAD SCIENCES INC COM 375558103 3,071
28,000 SH DEFINED 28,000
GILLETTE CO COM 375766102 10,825
350,619 SH DEFINED 326,241 500
23,878
GILLETTE CO COM 375766102 2,390
77,394 SH OTHER 59,119 1,900
16,375
GLAXO WELLCOME PLC SPONSORED ADR 37733W105 230
3,800 SH DEFINED 3,800
GLAXO WELLCOME PLC SPONSORED ADR 37733W105 142
2,350 SH OTHER 2,350
GLOBAL MARINE INC COM 379352404 1,905
61,700 SH DEFINED 61,500
200
GOODYEAR TIRE & RUBBER CO COM 382550101 222
12,344 SH DEFINED 12,344
GOODYEAR TIRE & RUBBER CO COM 382550101 78
4,324 SH OTHER 4,324
GRANT PRIDECO INC COM 38821G101 290
13,200 SH DEFINED 13,200
GRAY COMMUNICATIONS SYSTEM INC COM 389190109 1,909
168,750 SH DEFINED 168,750
GUIDANT CORP COM 401698105 566
8,000 SH DEFINED 8,000
GUIDANT CORP COM 401698105 58
820 SH OTHER 820
HCA-HEALTHCARE CO COM 404119109 2,190
59,000 SH DEFINED 59,000
HALLIBURTON CO COM 406216101 5,473
111,829 SH DEFINED 108,311
3,518
HALLIBURTON CO COM 406216101 479
9,789 SH OTHER 7,142 2,198
449
HARTFORD FINL SVCS GROUP INC COM 416515104 1,079
14,805 SH DEFINED 14,805
HARTFORD FINL SVCS GROUP INC COM 416515104 16
225 SH OTHER
225
HEALTHSOUTH CORP COM 421924101 68
8,375 SH DEFINED
8,375
HEALTHSOUTH CORP COM 421924101 83
10,350 SH OTHER 10,350
HEINZ H J CO COM 423074103 1,516
40,915 SH DEFINED 40,915
HEINZ H J CO COM 423074103 721
19,445 SH OTHER 18,345 200
900
HERSHEY FOODS CORP COM 427866108 1,904
35,184 SH DEFINED 34,759
425
HERSHEY FOODS CORP COM 427866108 578
10,687 SH OTHER 8,800 100
1,787
HEWLETT PACKARD CO COM 428236103 7,573
77,672 SH DEFINED 76,822
850
HEWLETT PACKARD CO COM 428236103 2,286
23,445 SH OTHER 16,383
7,062
HIBERNIA CORP CL A 428656102 300
24,476 SH DEFINED 24,476
HILTON HOTELS COM 432848109 1,387
117,444 SH DEFINED 4,944
112,500
HOME DEPOT INC COM 437076102 27,397
517,524 SH DEFINED 507,472 1,800
8,252
HOME DEPOT INC COM 437076102 1,746
32,980 SH OTHER 19,191 1,239
12,550
HOMESTAKE MINING CO COM 437614100 18
3,512 SH DEFINED 3,512
HOMESTAKE MINING CO COM 437614100 140
27,000 SH OTHER
27,000
HONEYWELL INTERNATIONAL INC COM 438516106 2,328
65,352 SH DEFINED 64,487 350
515
HONEYWELL INTERNATIONAL INC COM 438516106 83
2,327 SH OTHER 2,127 200
HOST MARRIOTT CORP NEW (REIT) COM 44107P104 978
86,964 SH DEFINED 3,831
83,133
HOUSEHOLD INTERNATIONAL CORP COM 441815107 1,490
26,317 SH DEFINED 26,239
78
HOUSEHOLD INTERNATIONAL CORP COM 441815107 900
15,892 SH OTHER 8,046 460
7,386
HOUSTON EXPL CO COM 442120101 758
30,000 SH DEFINED 30,000
HUMAN GENOME SCIENCES INC COM 444903108 3,463
20,000 SH DEFINED 20,000
ICN PHARMACEUTICALS INC NEW COM 448924100 3,885
116,400 SH DEFINED 116,400
ICOS CORP COM 449295104 2,165
40,000 SH DEFINED 40,000
IDEC PHARMACEUTICALS CORP COM 449370105 3,507
20,000 SH DEFINED 20,000
IDACORP INC COM 451107106 972
21,000 SH DEFINED 21,000
ILLINOIS TOOL WKS INC COM 452308109 1,839
32,914 SH DEFINED 32,854
60
INGERSOLL RAND CO COM 456866102 662
19,500 SH DEFINED 19,500
INSURED MUNICIPAL INCOME FUND COM 45809F104 557
44,583 SH DEFINED 44,583
INSURED MUNICIPAL INCOME FUND COM 45809F104 11
865 SH OTHER 865
INTEGRATED DEVICE TECH INC COM 458118106 724
8,000 SH DEFINED 8,000
INTEL CORP COM 458140100 70,563
1,697,741 SH DEFINED 1,628,905 2,700
66,136
INTEL CORP COM 458140100 9,936
239,060 SH OTHER 204,827 8,769
25,464
INTERGRAPH CORP COM 458683109 217
30,250 SH DEFINED 30,250
INTERGRAPH CORP COM 458683109 25
3,500 SH OTHER 3,500
INTL BUSINESS MACHINES CORP COM 459200101 67,874
602,653 SH DEFINED 571,790
30,863
INTL BUSINESS MACHINES CORP COM 459200101 7,396
65,670 SH OTHER 53,316 3,454
8,900
INTL FLAVORS & FRAGRANCES INC COM 459506101 267
14,633 SH DEFINED 7,583
7,050
INTL FLAVORS & FRAGRANCES INC COM 459506101 142
7,797 SH OTHER 7,497
300
INTERNATIONAL PAPER CO COM 460146103 4,421
154,121 SH DEFINED 152,087 300
1,734
INTERNATIONAL PAPER CO COM 460146103 1,308
45,604 SH OTHER 45,604
INTERPUBLIC GROUP COS INC COM 460690100 93
2,731 SH DEFINED 2,731
INTERPUBLIC GROUP COS INC COM 460690100 296
8,700 SH OTHER
8,700
INTUIT COM 461202103 2,850
50,000 SH DEFINED 50,000
INVESTMENT TECHNOLOGY GRP NE COM 46145F105 399
10,000 SH DEFINED 10,000
IPALCO ENTERPRISES INC COM 462613100 508
22,200 SH DEFINED 22,200
IPALCO ENTERPRISES INC COM 462613100 27
1,200 SH OTHER 1,200
IVAX CORP COM 465823102 3,703
80,493 SH DEFINED 80,493
JDS UNIPHASE CORP COM 46612J101 14,543
153,592 SH DEFINED 147,452
6,140
JDS UNIPHASE CORP COM 46612J101 428
4,525 SH OTHER 2,925 425
1,175
JABIL CIRCUIT INC COM 466313103 2,951
52,000 SH DEFINED 52,000
JEFFERSON PILOT CORP COM 475070108 10,533
155,186 SH DEFINED 138,887 600
15,699
JEFFERSON PILOT CORP COM 475070108 4,623
68,114 SH OTHER 42,218 2,446
23,450
JOHNSON & JOHNSON COM 478160104 53,452
569,019 SH DEFINED 541,714 700
26,605
JOHNSON & JOHNSON COM 478160104 4,470
47,586 SH OTHER 32,810 2,916
11,860
K MART CORP COM 482584109 146
24,000 SH DEFINED 24,000
K MART CORP COM 482584109 4
600 SH OTHER 600
KAYDON CORP COM 486587108 207
9,000 SH DEFINED 2,400 6,600
KAYDON CORP COM 486587108 61
2,650 SH OTHER 2,650
KELLOGG CO COM 487836108 143
5,920 SH DEFINED 5,670
250
KELLOGG CO COM 487836108 271
11,200 SH OTHER 10,400
800
KEMPER MUN INCOME TR COM SH BEN INT 48842C104 440
42,185 SH DEFINED 41,000
1,185
KERR MCGEE CORP COM 492386107 238
3,589 SH DEFINED 3,589
KERR MCGEE CORP COM 492386107 93
1,400 SH OTHER 1,400
KEYCORP NEW COM 493267108 1,102
43,532 SH DEFINED 43,532
KIMBERLY CLARK CORP COM 494368103 9,991
179,011 SH DEFINED 161,655 300
17,056
KIMBERLY CLARK CORP COM 494368103 4,209
75,409 SH OTHER 59,363 3,142
12,904
KNIGHT RIDDER INC COM 499040103 1,621
31,898 SH DEFINED
31,898
LSI LOGIC CORP COM 502161102 263
9,000 SH DEFINED 9,000
LEGG MASON INC COM 524901105 1,279
22,000 SH DEFINED 22,000
LEHMAN BROS HLDGS INC COM 524908100 184
1,239 SH DEFINED 1,219
20
LEHMAN BROS HLDGS INC COM 524908100 23
157 SH OTHER
157
LILLY ELI & CO COM 532457108 5,867
72,322 SH DEFINED 71,012 800
510
LILLY ELI & CO COM 532457108 3,496
43,088 SH OTHER 38,588 900
3,600
LIMITED INC COM 532716107 506
22,943 SH DEFINED 22,943
LINCOLN NATIONAL CORP IND COM 534187109 555
11,525 SH DEFINED 11,325
200
LOCKHEED MARTIN CORP COM 539830109 1,408
42,758 SH DEFINED 42,639
119
LOCKHEED MARTIN CORP COM 539830109 52
1,581 SH OTHER 1,300
281
LOEWS CORP COM 540424108 750
9,000 SH OTHER 9,000
LOUISIANA PACIFIC CORP COM 546347105 888
96,643 SH DEFINED 96,365 278
LOWES COS INC COM 548661107 2,558
57,001 SH DEFINED 56,300
701
LOWES COS INC COM 548661107 13
300 SH OTHER 300
LUBRIZOL CORP COM 549271104 197
10,000 SH DEFINED 10,000
LUCENT TECHNOLOGIES INC COM 549463107 33,863
1,110,278 SH DEFINED 1,058,530 2,408
49,340
LUCENT TECHNOLOGIES INC COM 549463107 5,505
180,502 SH OTHER 147,011 3,727
29,764
LUFKIN INDUSTRIES INCORPORATED COM 549764108 1
40 SH DEFINED 40
LUFKIN INDUSTRIES INCORPORATED COM 549764108 749
36,765 SH OTHER 36,765
MBNA CORP COM 55262L100 335
8,693 SH DEFINED 8,693
MBNA CORP COM 55262L100 30
780 SH OTHER 780
MFS MULTIMARKET INCOME TRUST SH BEN INT 552737108 65
10,465 SH DEFINED 10,465
MFS MULTIMARKET INCOME TRUST SH BEN INT 552737108 15
2,380 SH OTHER 2,380
MFS MUN INCOME TR SH BEN INT 552738106 59
7,750 SH DEFINED 7,750
MFS MUN INCOME TR SH BEN INT 552738106 30
3,960 SH OTHER 3,960
MACROMEDIA INC COM 556100105 1,293
16,000 SH DEFINED 16,000
MANULIFE FINL CORP COM 56501R106 335
16,165 SH DEFINED 16,165
MARSH & MCLENNAN COS INC COM 571748102 3,478
26,199 SH DEFINED 25,764
435
MARSH & MCLENNAN COS INC COM 571748102 579
4,360 SH OTHER 4,131 229
MARRIOTT INTL INC NEW CL A 571903202 1,785
49,000 SH DEFINED 12,000
37,000
MARRIOTT INTL INC NEW CL A 571903202 346
9,500 SH OTHER 200
9,300
MASCO CORP COM 574599106 925
49,650 SH DEFINED 49,650
MASCO CORP COM 574599106 48
2,600 SH OTHER 2,600
MAY DEPT STORES CO COM 577778103 383
18,700 SH DEFINED 18,700
MAY DEPT STORES CO COM 577778103 48
2,322 SH OTHER 2,322
MAYTAG CORP COM 578592107 22,916
730,376 SH DEFINED 730,376
MAYTAG CORP COM 578592107 63
2,000 SH OTHER 2,000
MCCORMICK & CO INC COM NON VTG 579780206 636
21,364 SH DEFINED 21,364
MCCORMICK & CO INC COM NON VTG 579780206 26
888 SH OTHER 888
MCDONALDS CORP COM 580135101 5,855
193,951 SH DEFINED 190,560 500
2,891
MCDONALDS CORP COM 580135101 2,365
78,346 SH OTHER 61,046
17,300
MCGRAW-HILL COMPANIES INC NEW COM 580645109 624
9,814 SH DEFINED 9,414
400
MCGRAW-HILL COMPANIES INC NEW COM 580645109 76
1,200 SH OTHER 1,200
MCKESSON HBOC INC COM 58155Q103 207
6,768 SH DEFINED 6,768
MCKESSON HBOC INC COM 58155Q103 103
3,383 SH OTHER 3,383
MEAD CORP COM 582834107 738
31,568 SH DEFINED 30,153
1,415
MEAD CORP COM 582834107 1,994
85,312 SH OTHER 34,646
50,666
MEDICAL ASSURN INC COM 58449U100 200
16,329 SH DEFINED 13,238
3,091
MEDICAL ASSURN INC COM 58449U100 20
1,659 SH OTHER 1,633
26
MEDICIS PHARMACEUTICAL CORP CL A NEW 584690309 492
8,000 SH DEFINED 8,000
MEDIMMUNE INC COM 584699102 776
10,050 SH DEFINED 10,050
MEDTRONIC INC COM 585055106 8,740
168,675 SH DEFINED 168,275
400
MEDTRONIC INC COM 585055106 544
10,500 SH OTHER 2,200
8,300
MELLON FINL CORP COM 58551A108 1,283
27,660 SH DEFINED 27,660
MELLON FINL CORP COM 58551A108 56
1,200 SH OTHER 600 600
MERCK & CO INC COM 589331107 54,060
726,243 SH DEFINED 706,148 1,200
18,895
MERCK & CO INC COM 589331107 12,801
171,963 SH OTHER 139,401 2,289
30,273
MERRILL LYNCH & CO INC COM 590188108 2,912
44,124 SH DEFINED 44,024
100
MERRILL LYNCH & CO INC COM 590188108 33
500 SH OTHER 100 400
MICREL INC COM 594793101 536
8,000 SH DEFINED 8,000
MICROSOFT CORP COM 594918104 64,446
1,068,528 SH DEFINED 1,042,856 2,700
22,972
MICROSOFT CORP COM 594918104 3,991
66,180 SH OTHER 45,962 2,045
18,173
MICROCHIP TECHNOLOGY INC COM 595017104 1,785
54,000 SH DEFINED 54,000
MICRON TECHNOLOGY INC COM 595112103 340
7,400 SH DEFINED 7,300
100
MILLENNIUM PHARMACTCLS INC COM 599902103 4,968
34,010 SH DEFINED 34,000
10
MINNESOTA MINING & MFG CO COM 604059105 4,352
47,756 SH DEFINED 46,390 1,266
100
MINNESOTA MINING & MFG CO COM 604059105 1,366
14,993 SH OTHER 13,960 433
600
MONSANTO CO ADJ CONVR RATE 611662305 246
4,690 SH DEFINED 2,490
2,200
MONSANTO CO ADJ CONVR RATE 611662305 110
2,100 SH OTHER 2,100
MORGAN J P & CO INC COM 616880100 3,219
19,704 SH DEFINED 18,148 1,076
480
MORGAN J P & CO INC COM 616880100 1,076
6,587 SH OTHER 4,249 2,138
200
MORGAN STANLEY D WITTER & CO COM NEW 617446448 10,457
114,359 SH DEFINED 114,159
200
MORGAN STANLEY D WITTER & CO COM NEW 617446448 1,372
15,008 SH OTHER 15,008
MORRISON MGMT SPECIALISTS INC COM 618459101 816
27,603 SH DEFINED 19,113
8,490
MORRISON MGMT SPECIALISTS INC COM 618459101 756
25,577 SH OTHER 22,827
2,750
MOTOROLA INC COM 620076109 5,207
176,521 SH DEFINED 175,046
1,475
MOTOROLA INC COM 620076109 1,586
53,770 SH OTHER 40,250 1,620
11,900
MUNIHOLDINGS FD II INC COM 625935101 124
10,900 SH DEFINED 10,900
MUNIHOLDINGS INSD FD II INC COM 62625A102 108
10,000 SH DEFINED 10,000
MURPHY OIL CORP COM 626717102 1,264
19,500 SH DEFINED 19,500
MURPHY OIL CORP COM 626717102 351
5,412 SH OTHER 5,412
NABISCO GROUP HLDG CORP COM 62952P102 1,462
51,283 SH DEFINED 50,800
483
NABORS INDS INC COM 629568106 4,192
80,000 SH DEFINED 80,000
NASDAQ 100 TR UNIT SER 1 631100104 109
1,223 SH DEFINED 477
746
NASDAQ 100 TR UNIT SER 1 631100104 127
1,431 SH OTHER 31
1,400
NATIONAL CITY CORP COM 635405103 829
37,682 SH DEFINED 37,682
NATIONAL CITY CORP COM 635405103 44
2,000 SH OTHER
2,000
NATIONAL COMM BANCORPORATION COM 635449101 399
20,000 SH DEFINED 20,000
NATIONAL COMM BANCORPORATION COM 635449101 23
1,148 SH OTHER 980
168
NATIONAL FUEL GAS CO N J COM 636180101 149
2,658 SH DEFINED 2,658
NATIONAL FUEL GAS CO N J COM 636180101 169
3,008 SH OTHER 3,008
NETWORK APPLIANCE INC COM 64120L104 1,655
12,990 SH DEFINED 12,930
60
NEW TEL LTD SPONSORED ADR 648867109 181
21,000 SH DEFINED 21,000
NEWMONT MINING CORP (NEW) COM 651639106 1,880
110,607 SH DEFINED 110,607
NEWMONT MINING CORP (NEW) COM 651639106 3
188 SH OTHER 188
NICOR INC COM 654086107 187
5,155 SH DEFINED 4,755
400
NICOR INC COM 654086107 28
784 SH OTHER 550
234
NIKE INC CL B CL B 654106103 343
8,555 SH DEFINED 8,555
NIKE INC CL B CL B 654106103 32
800 SH OTHER
800
NOKIA CORP SPONSORED ADR 654902204 7,624
190,600 SH DEFINED 186,325 400
3,875
NOKIA CORP SPONSORED ADR 654902204 218
5,450 SH OTHER 5,150
300
NOBLE DRILLING CORP COM 655042109 1,522
30,134 SH DEFINED 30,000
134
NORDSTROM INC COM 655664100 423
27,180 SH DEFINED 26,730
450
NORDSTROM INC COM 655664100 5
300 SH OTHER 300
NORFOLK SOUTHERN CORPORATION COM 655844108 485
33,181 SH DEFINED 31,736
1,445
NORFOLK SOUTHERN CORPORATION COM 655844108 430
29,431 SH OTHER 25,156
4,275
NORTEL NETWORKS CORP NEW COM 656568102 29,526
496,235 SH DEFINED 494,361
1,874
NORTEL NETWORKS CORP NEW COM 656568102 231
3,890 SH OTHER 3,840
50
NORTHERN TRUST CORP COM 665859104 2,712
30,510 SH DEFINED 28,610
1,900
NOVELL INC COM 670006105 411
41,400 SH DEFINED 30,100
11,300
NOVELL INC COM 670006105 3
300 SH OTHER 100
200
NUVEEN PERF PLUS MUN FD INC COM 67062P108 158
12,860 SH DEFINED 12,650
210
NVIDIA CORP COM 67066G104 2,293
28,000 SH DEFINED 28,000
OGE ENERGY CORP COM 670837103 177
8,300 SH DEFINED 8,000
300
OGE ENERGY CORP COM 670837103 42
1,950 SH OTHER 1,800 150
NUVEEN MUN VALUE FD INC COM 670928100 231
26,608 SH DEFINED 26,608
NUVEEN MUN VALUE FD INC COM 670928100 23
2,666 SH OTHER 2,666
NUVEEN TEX QUAL INCM MUN FD COM 670983105 660
49,800 SH DEFINED 49,800
OCCIDENTAL PETE CORP COM 674599105 496
22,726 SH DEFINED 22,726
OLD REPUBLIC INTL CORP COM 680223104 67
2,775 SH DEFINED 2,775
OLD REPUBLIC INTL CORP COM 680223104 8,463
351,688 SH OTHER 78,000
273,688
ONEOK INC NEW COM 682680103 370
9,303 SH DEFINED 9,303
ORACLE CORPORATION COM 68389X105 36,004
457,191 SH DEFINED 449,256 4,950
2,985
ORACLE CORPORATION COM 68389X105 1,563
19,844 SH OTHER 12,910 5,240
1,694
PG&E CORP COM 69331C108 1,065
43,998 SH DEFINED 43,998
PG&E CORP COM 69331C108 92
3,793 SH OTHER 3,743 50
PE CORP COM PE BIO GRP 69332S102 479
4,114 SH DEFINED 4,050
64
PE CORP COM PE BIO GRP 69332S102 722
6,200 SH OTHER 6,200
PE CORP CELERA GEN GRP 69332S201 112
1,124 SH DEFINED 1,100
24
PE CORP CELERA GEN GRP 69332S201 159
1,600 SH OTHER 1,600
PNC FINANCIAL SERVICES GROUP COM 693475105 1,091
16,784 SH DEFINED 15,200 1,584
PNC FINANCIAL SERVICES GROUP COM 693475105 241
3,701 SH OTHER 400 2,791
510
PPG INDUSTRIES INC COM 693506107 757
19,076 SH DEFINED 18,976
100
PPG INDUSTRIES INC COM 693506107 389
9,800 SH OTHER 9,400
400
PACCAR INC COM 693718108 52
1,400 SH DEFINED 1,400
PACCAR INC COM 693718108 152
4,104 SH OTHER 4,104
PALM INC COM 696642107 258
4,880 SH DEFINED 4,380 500
PALM INC COM 696642107 12
222 SH OTHER 222
PARKER DRILLING CO COM 701081101 1,260
180,000 SH DEFINED 180,000
PEMCO AVIATION GROUP INC COM 706444106 165
10,000 SH DEFINED
10,000
PEPSICO INC COM 713448108 22,429
487,587 SH DEFINED 483,629
3,958
PEPSICO INC COM 713448108 1,900
41,302 SH OTHER 25,162 2,590
13,550
PERKINELMER INC COM 714046109 624
5,975 SH DEFINED 5,975
PERKINELMER INC COM 714046109 56
532 SH OTHER 532
PFIZER INC COM 717081103 61,759
1,374,856 SH DEFINED 1,333,329
41,527
PFIZER INC COM 717081103 6,048
134,643 SH OTHER 91,251 3,117
40,275
PHARMACIA CORP COM 71713U102 8,863
147,263 SH DEFINED 140,152
7,111
PHARMACIA CORP COM 71713U102 3,013
50,053 SH OTHER 32,651 5,602
11,800
PHELPS DODGE CORP COM 717265102 275
6,580 SH DEFINED 6,530
50
PHELPS DODGE CORP COM 717265102 22
525 SH OTHER 525
PHILIP MORRIS COS INC COM 718154107 5,580
189,543 SH DEFINED 183,960 900
4,683
PHILIP MORRIS COS INC COM 718154107 1,949
66,207 SH OTHER 59,271 6,236
700
PHILLIPS PETE CO COM 718507106 879
14,003 SH DEFINED 14,003
PIONEER NATURAL RESOURCES CO COM 723787107 731
51,500 SH DEFINED
51,500
PITNEY BOWES INC COM 724479100 1,649
41,821 SH DEFINED 40,325
1,496
PITNEY BOWES INC COM 724479100 513
13,000 SH OTHER 13,000
POWERWAVE TECHNOLOGIES INC COM 739363109 532
14,000 SH DEFINED 14,000
PROCTER & GAMBLE CO COM 742718109 23,089
344,612 SH DEFINED 326,318 700
17,594
PROCTER & GAMBLE CO COM 742718109 5,261
78,528 SH OTHER 51,435 3,388
23,705
PROGRESSIVE CORP OHIO COM 743315103 295
3,600 SH DEFINED 3,600
PROTECTIVE LIFE CORP COM 743674103 1,877
62,815 SH DEFINED 62,815
PROTECTIVE LIFE CORP COM 743674103 8,000
267,783 SH OTHER 266,227 900
656
PROVIDIAN FINL CORP COM 74406A102 1,652
13,011 SH DEFINED 13,011
PROVIDIAN FINL CORP COM 74406A102 1,916
15,090 SH OTHER 8,190
6,900
PUBLIC SVC ENTERPRISE GROUP COM 744573106 1,199
26,827 SH DEFINED 26,077 750
PUBLIC SVC ENTERPRISE GROUP COM 744573106 4
94 SH OTHER 94
PUTNAM INVT GRADE MUN TR COM 746805100 320
31,000 SH DEFINED 31,000
PUTNAM MANAGED MUN INCOME TR COM 746823103 392
42,949 SH DEFINED 41,500
1,449
PUTNAM PREMIER INCOME TR SH BEN INT 746853100 84
13,035 SH DEFINED 9,535
3,500
PUTNAM PREMIER INCOME TR SH BEN INT 746853100 18
2,863 SH OTHER 2,863
PUTNAM MASTER INTER INCOME TR SH BEN INT 746909100 59
9,142 SH DEFINED 9,142
PUTNAM MASTER INTER INCOME TR SH BEN INT 746909100 8
1,263 SH OTHER 1,263
QLOGIC CORP COM 747277101 1,760
20,000 SH DEFINED 20,000
QUAKER OATS CO COM 747402105 1,036
13,099 SH DEFINED 10,299
2,800
QUAKER OATS CO COM 747402105 469
5,931 SH OTHER 5,035 896
QUALCOMM INC COM 747525103 16,256
228,156 SH DEFINED 225,806
2,350
QUALCOMM INC COM 747525103 677
9,505 SH OTHER 6,755
2,750
QUESTAR CORP COM 748356102 273
9,800 SH DEFINED 9,800
QUESTAR CORP COM 748356102 28
1,000 SH OTHER 1,000
QWEST COMM INTL INC COM 749121109 15,074
313,223 SH DEFINED 283,529 354
29,340
QWEST COMM INTL INC COM 749121109 975
20,266 SH OTHER 15,197 2,807
2,262
RADIOSHACK CORP COM 750438103 290
4,489 SH DEFINED 4,489
RADIOSHACK CORP COM 750438103 446
6,900 SH OTHER 6,900
RALSTON-RALSTON PURINA GROUP COM RAL-PUR GP 751277302 786
33,200 SH DEFINED 1,200
32,000
RALSTON-RALSTON PURINA GROUP COM RAL-PUR GP 751277302 51
2,143 SH OTHER
2,143
RATIONAL SOFTWARE CORP COM NEW 75409P202 4,163
60,000 SH DEFINED 60,000
RAYTHEON CO CL B CL B 755111408 1,098
38,610 SH DEFINED 38,560
50
RAYTHEON CO CL B CL B 755111408 29
1,030 SH OTHER 630
400
REGIONS FINANCIAL CORP COM 758940100 130,790
5,764,718 SH DEFINED 4,766,006 11,495
987,217
REGIONS FINANCIAL CORP COM 758940100 42,232
1,861,410 SH OTHER 1,613,666 51,203
196,541
RELIANT ENERGY INC COM 75952J108 2,091
44,971 SH DEFINED 44,454
517
RELIANT ENERGY INC COM 75952J108 337
7,241 SH OTHER 1,247 4,496
1,498
REPLACEMENT PARTS INC COM 759990104 1,528
12,701 SH DEFINED 500
12,201
ROCKWELL INTL CORP NEW COM 773903109 573
18,912 SH DEFINED 18,912
ROCKWELL INTL CORP NEW COM 773903109 110
3,614 SH OTHER 1,642
1,972
ROSS STORES INC COM 778296103 518
36,000 SH DEFINED 36,000
ROYAL DUTCH PETROLEUM COMPANY NY REG GLD1.25 780257804 11,696
195,129 SH DEFINED 194,729 300
100
ROYAL DUTCH PETROLEUM COMPANY NY REG GLD1.25 780257804 1,294
21,584 SH OTHER 18,584 2,000
1,000
RUBY TUESDAY INC COM 781182100 3,935
349,786 SH DEFINED 302,646 824
46,316
RUBY TUESDAY INC COM 781182100 1,086
96,512 SH OTHER 86,512
10,000
SBC COMMUNICATIONS INC NEW COM 78387G103 24,934
499,922 SH DEFINED 482,501 2,701
14,720
SBC COMMUNICATIONS INC NEW COM 78387G103 3,786
75,915 SH OTHER 62,935 5,801
7,179
SCI SYSTEMS INC COM 783890106 1,222
29,799 SH DEFINED 29,024
775
SCI SYSTEMS INC COM 783890106 164
4,000 SH OTHER 4,000
SPDR TR UNIT SER 1 78462F103 363
2,530 SH DEFINED 1,850
680
SPDR TR UNIT SER 1 78462F103 388
2,700 SH OTHER 2,000
700
SABINE ROYALTY TRUST INTEREST UNIT BEN INT 785688102 227
12,010 SH DEFINED 12,010
SABRE HOLDINGS CORPORATION CL A 785905100 191
6,585 SH DEFINED 6,585
SABRE HOLDINGS CORPORATION CL A 785905100 32
1,112 SH OTHER 1,112
SAFEWAY INC COM NEW 786514208 355
7,594 SH DEFINED 7,594
ST PAUL COS INC COM 792860108 491
9,740 SH DEFINED 9,440
300
ST PAUL COS INC COM 792860108 229
4,548 SH OTHER 4,548
SAKS INC COM 79377W108 316
32,000 SH DEFINED 1,000
31,000
SARA LEE CORP COM 803111103 1,587
78,120 SH DEFINED 77,220
900
SARA LEE CORP COM 803111103 325
16,000 SH OTHER 11,200
4,800
SCANA CORP NEW COM 80589M102 908
29,386 SH DEFINED 27,986
1,400
SCANA CORP NEW COM 80589M102 221
7,167 SH OTHER 7,067 100
SCHERING-PLOUGH CORP COM 806605101 17,351
372,631 SH DEFINED 356,591
16,040
SCHERING-PLOUGH CORP COM 806605101 1,884
40,460 SH OTHER 21,440 8,620
10,400
SCHLUMBERGER LTD COM 806857108 12,824
155,795 SH DEFINED 141,172 300
14,323
SCHLUMBERGER LTD COM 806857108 1,144
13,892 SH OTHER 12,772 345
775
SCIENTIFIC ATLANTA INC COM 808655104 95
1,500 SH DEFINED 1,500
SCIENTIFIC ATLANTA INC COM 808655104 165
2,600 SH OTHER 2,600
SEAGATE TECHNOLOGY COM 811804103 919
13,320 SH DEFINED 13,320
SEAGRAM LTD COM 811850106 1,775
30,900 SH DEFINED 30,900
SEAGRAM LTD COM 811850106 276
4,800 SH OTHER 4,800
SEARS ROEBUCK & CO COM 812387108 1,551
47,826 SH DEFINED 46,242 1,584
SEARS ROEBUCK & CO COM 812387108 310
9,554 SH OTHER 8,763 791
SEMPRA ENERGY COM 816851109 200
9,591 SH DEFINED 9,591
SEMPRA ENERGY COM 816851109 39
1,889 SH OTHER 1,889
SEPRACOR INC COM 817315104 6,876
56,041 SH DEFINED 56,000
41
SERVICEMASTER CO COM 81760N109 1,319
133,611 SH DEFINED 24,611
109,000
SHELL TRANS & TRADING PLC NEW YRK SH NEW 822703609 191
3,900 SH DEFINED 3,675 225
SHELL TRANS & TRADING PLC NEW YRK SH NEW 822703609 470
9,600 SH OTHER 9,600
SIEBEL SYS INC COM 826170102 394
3,544 SH DEFINED 3,110
434
SOLECTRON CORP COM 834182107 128
2,770 SH DEFINED 2,770
SOLECTRON CORP COM 834182107 597
12,950 SH OTHER
12,950
SOLUTIA INC COM 834376105 607
53,406 SH DEFINED 53,406
SOLUTIA INC COM 834376105 8
716 SH OTHER 716
SONOCO PRODUCTS CO COM 835495102 462
25,550 SH DEFINED 3,000 22,550
SONOCO PRODUCTS CO COM 835495102 228
12,612 SH OTHER 462 12,150
SOUTH ALABAMA BANCORP INC COM 836234104 191
25,955 SH DEFINED 22,955
3,000
SOUTH ALABAMA BANCORP INC COM 836234104 325
44,031 SH OTHER
44,031
SOUTHERN CO COM 842587107 11,317
348,727 SH DEFINED 331,973 1,376
15,378
SOUTHERN CO COM 842587107 2,931
90,313 SH OTHER 74,791 2,711
12,811
SOUTHSIDE BANCSHARES INC COM 84470P109 105
12,100 SH DEFINED 12,100
SOUTHTRUST CORP COM 844730101 4,347
138,278 SH DEFINED 127,960 435
9,883
SOUTHTRUST CORP COM 844730101 4,702
149,562 SH OTHER 126,168 401
22,993
SOUTHWEST AIRLINES CO COM 844741108 868
35,790 SH DEFINED 35,190
600
SOUTHWEST AIRLINES CO COM 844741108 38
1,575 SH OTHER 1,125 450
SOUTHWESTERN ENERGY CO COM 845467109 11
1,200 SH DEFINED 1,200
SOUTHWESTERN ENERGY CO COM 845467109 96
11,000 SH OTHER 11,000
SOVEREIGN BANCORP INC COM 845905108 740
80,000 SH DEFINED 80,000
SPIEGEL INC CL A 848457107 189
27,000 SH OTHER 27,000
SPRINT CORP (FON GROUP) COM FON GROUP 852061100 3,038
103,638 SH DEFINED 103,638
SPRINT CORP (FON GROUP) COM FON GROUP 852061100 294
10,038 SH OTHER 9,902 136
SPRINT CORP PCS COM SER 1 852061506 1,063
30,268 SH DEFINED 30,268
SPRINT CORP PCS COM SER 1 852061506 126
3,582 SH OTHER 3,514 68
STATE STR CORP COM 857477103 1,119
8,600 SH DEFINED 8,600
STATE STR CORP COM 857477103 1,041
8,000 SH OTHER 8,000
SUN LIFE FINANCIAL SVCS CAN COM 866796105 391
18,973 SH DEFINED 17,830
1,143
SUN MICROSYSTEMS INC COM 866810104 55,285
473,536 SH DEFINED 465,168
8,368
SUN MICROSYSTEMS INC COM 866810104 1,647
14,108 SH OTHER 8,969 3,069
2,070
SUNOCO INC COM 86764P109 170
6,324 SH DEFINED 6,324
SUNOCO INC COM 86764P109 119
4,400 SH OTHER 400
4,000
SUNTRUST BANKS INC COM 867914103 2,155
43,210 SH DEFINED 29,260
13,950
SUNTRUST BANKS INC COM 867914103 830
16,646 SH OTHER 15,746 900
SYMBOL TECHNOLOGIES INC COM 871508107 1,366
38,000 SH DEFINED 38,000
SYNOVUS FINANCIAL CORP COM 87161C105 950
44,857 SH DEFINED 19,526 450
24,881
SYNOVUS FINANCIAL CORP COM 87161C105 3,002
141,705 SH OTHER 137,785 505
3,415
SYSCO CORP COM 871829107 3,650
78,808 SH DEFINED 77,617
1,191
SYSCO CORP COM 871829107 195
4,217 SH OTHER 3,572 645
TECO ENERGY INC COM 872375100 742
25,790 SH DEFINED 25,790
TECO ENERGY INC COM 872375100 329
11,448 SH OTHER 10,648 800
TRW INC COM 872649108 744
18,316 SH DEFINED 18,191
125
TRW INC COM 872649108 8
200 SH OTHER 200
TXU CORP COM 873168108 1,185
29,900 SH DEFINED 29,884 16
TXU CORP COM 873168108 75
1,901 SH OTHER 1,901
TARGET CORP COM 87612E106 2,301
89,788 SH DEFINED 85,938
3,850
TARGET CORP COM 87612E106 546
21,325 SH OTHER 19,200
2,125
TELEFONICA S. A. SPONSORED ADR 879382208 828
13,935 SH DEFINED 13,935
TELEFONICA S. A. SPONSORED ADR 879382208 10
170 SH OTHER
170
TELLABS INC COM 879664100 9,032
189,146 SH DEFINED 186,601
2,545
TELLABS INC COM 879664100 588
12,311 SH OTHER 3,353 453
8,505
TEXACO INC COM 881694103 9,909
188,750 SH DEFINED 177,081 1,403
10,266
TEXACO INC COM 881694103 654
12,453 SH OTHER 8,253 1,850
2,350
TEXAS INSTRUMENTS INC COM 882508104 14,687
310,018 SH DEFINED 308,556
1,462
TEXAS INSTRUMENTS INC COM 882508104 1,378
29,078 SH OTHER 22,212 1,366
5,500
TEXTRON INC COM 883203101 356
7,700 SH DEFINED 7,700
TEXTRON INC COM 883203101 416
9,000 SH OTHER
9,000
3 COM CORP COM 885535104 345
17,955 SH DEFINED 17,955
3 COM CORP COM 885535104 3
150 SH OTHER 150
TIME WARNER INC COM 887315109 390
4,979 SH DEFINED 3,999
980
TIME WARNER INC COM 887315109 28
360 SH OTHER 360
TOOTSIE ROLL INDS INC COM 890516107 126
3,213 SH DEFINED 3,213
TOOTSIE ROLL INDS INC COM 890516107 88
2,248 SH OTHER 2,248
TOPPS COMPANY COM 890786106 230
25,000 SH OTHER 25,000
TORCHMARK CORP COM 891027104 4,005
143,991 SH DEFINED 122,688 800
20,503
TORCHMARK CORP COM 891027104 8,835
317,673 SH OTHER 311,795 594
5,284
TRANSWITCH CORP COM 894065101 1,275
20,000 SH DEFINED 20,000
TRANSWITCH CORP COM 894065101 27
430 SH OTHER
430
TRI-CONTINENTAL CORP COM 895436103 291
11,134 SH DEFINED 11,134
TRICON GLOBAL RESTAURANTS COM 895953107 1,203
39,290 SH DEFINED 7,240
32,050
TRICON GLOBAL RESTAURANTS COM 895953107 17
560 SH OTHER 560
TRIBUNE CO NEW COM 896047107 918
21,042 SH DEFINED 21,042
TRIQUINT SEMICONDUCTOR INC COM 89674K103 729
20,000 SH DEFINED 20,000
TRIZEC HAHN CORPORATION SUB VTG 896938107 1,150
68,400 SH DEFINED
68,400
TRUSTMARK CORP COM 898402102 755
38,710 SH DEFINED 37,270
1,440
TYCO INTL LTD NEW COM 902124106 10,629
204,904 SH DEFINED 188,524 1,200
15,180
TYCO INTL LTD NEW COM 902124106 1,993
38,410 SH OTHER 34,651 2,478
1,281
TYSON FOODS CLASS A CL A 902494103 103
10,250 SH DEFINED 9,800
450
TYSON FOODS CLASS A CL A 902494103 16
1,550 SH OTHER
1,550
USX-MARATHON GRP COM NEW 902905827 3,876
136,600 SH DEFINED 136,500
100
USX-MARATHON GRP COM NEW 902905827 53
1,875 SH OTHER 1,350
525
UST INC COM 902911106 4,112
179,750 SH DEFINED 179,650
100
UST INC COM 902911106 55
2,400 SH OTHER 2,400
US BANCORP DEL COM 902973106 971
42,686 SH DEFINED 42,686
UNICOM CORPORATION COM 904911104 1,042
18,530 SH DEFINED 18,530
UNICOM CORPORATION COM 904911104 117
2,082 SH OTHER 100 779
1,203
UNION PACIFIC CORP COM 907818108 2,818
72,374 SH DEFINED 72,374
UNION PACIFIC CORP COM 907818108 201
5,157 SH OTHER 3,835 316
1,006
UNION PLANTERS CORP COM 908068109 1,782
53,890 SH DEFINED 53,690
200
UNION PLANTERS CORP COM 908068109 6,396
193,456 SH OTHER 34,000
159,456
UNITED SEC BANCSHARES INC SHS 911459105 1,549
56,320 SH DEFINED 56,320
UNITED TECHNOLOGIES CORP COM 913017109 2,828
40,764 SH DEFINED 40,704
60
UNITED TECHNOLOGIES CORP COM 913017109 869
12,532 SH OTHER 12,412 120
UNITEDHEALTH GROUP INC COM 91324P102 813
8,229 SH DEFINED 8,229
UNOCAL CORP COM 915289102 889
25,098 SH DEFINED 25,098
USINTERNETWORKING INC COM 917311805 3
400 SH DEFINED 400
USINTERNETWORKING INC COM 917311805 131
19,686 SH OTHER 19,686
V F CORP COM 918204108 1,793
72,614 SH DEFINED 55,936 150
16,528
V F CORP COM 918204108 356
14,400 SH OTHER 14,400
VENATOR GROUP INC COM 922944103 158
12,800 SH DEFINED 12,800
VERIZON COMMUNICATIONS COM 92343V104 29,161
602,036 SH DEFINED 567,324 4,756
29,956
VERIZON COMMUNICATIONS COM 92343V104 2,572
53,101 SH OTHER 42,768 3,366
6,967
VIACOM INC CL B 925524308 12,622
215,758 SH DEFINED 209,236 4,678
1,844
VIACOM INC CL B 925524308 23
400 SH OTHER 400
VISIONAMERICA INC COM 92832C104 4
10,000 SH DEFINED 10,000
VISTEON CORP COM 92839U107 223
14,685 SH DEFINED 14,378
307
VISTEON CORP COM 92839U107 15
967 SH OTHER 939
28
VITESSE SEMICONDUCTOR CORP COM 928497106 3,913
44,000 SH DEFINED 44,000
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W100 1,538
41,577 SH DEFINED 35,887 2,500
3,190
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W100 425
11,474 SH OTHER 10,240 1,234
VULCAN MATERIALS CO COM 929160109 11,529
286,871 SH DEFINED 286,223
648
VULCAN MATERIALS CO COM 929160109 5,757
143,245 SH OTHER 78,985 600
63,660
WACHOVIA CORP COM 929771103 1,151
20,313 SH DEFINED 19,028 360
925
WACHOVIA CORP COM 929771103 765
13,503 SH OTHER 5,586 5,761
2,156
WADDELL & REED FINL INC CL A CL A 930059100 141
4,541 SH DEFINED 4,541
WADDELL & REED FINL INC CL A CL A 930059100 633
20,423 SH OTHER 20,005 49
369
WADDELL & REED FINL INC CL B CL B 930059209 568
19,603 SH DEFINED 19,603
WADDELL & REED FINL INC CL B CL B 930059209 2,508
86,484 SH OTHER 84,679 217
1,588
WAL MART STORES INC COM 931142103 45,461
944,651 SH DEFINED 927,579 300
16,772
WAL MART STORES INC COM 931142103 5,815
120,822 SH OTHER 75,529 33,123
12,170
WALGREEN CO COM 931422109 1,244
32,800 SH DEFINED 32,500
300
WASHINGTON MUTUAL INC COM 939322103 1,407
35,335 SH DEFINED 35,225
110
WASHINGTON MUTUAL INC COM 939322103 27
672 SH OTHER 672
WASTE MANAGEMENT COM COM 94106L109 1,515
86,857 SH DEFINED 5,057
81,800
WATERS CORP COM 941848103 3,920
44,050 SH DEFINED 44,050
WATSON PHARMACEUTICALS INC COM 942683103 5,273
81,125 SH DEFINED 81,125
WAVO CORP COM 944027101 26
34,500 SH DEFINED
34,500
WEATHERFORD INTL INC NEW COM 947074100 516
12,000 SH DEFINED 12,000
WELLPOINT HEALTH NETWORKS INC COM 94973H108 384
4,000 SH DEFINED 4,000
WELLS FARGO & CO NEW COM 949746101 8,330
181,322 SH DEFINED 180,821
501
WELLS FARGO & CO NEW COM 949746101 1,264
27,514 SH OTHER 16,830 1,284
9,400
WESTWOOD ONE INC COM 961815107 772
36,000 SH DEFINED 36,000
WEYERHAEUSER CO COM 962166104 1,161
28,626 SH DEFINED 28,460 116
50
WEYERHAEUSER CO COM 962166104 94
2,329 SH OTHER 1,629
700
WILLIAMS COS INC COM 969457100 729
17,244 SH DEFINED 16,014
1,230
WILLIAMS COS INC COM 969457100 61
1,453 SH OTHER 1,137 316
WISCONSIN ENERGY CORP COM 976657106 424
21,255 SH DEFINED 20,255
1,000
WISCONSIN ENERGY CORP COM 976657106 36
1,811 SH OTHER 1,811
WORLDCOM INC GA NEW COM 98157D106 21,895
720,812 SH DEFINED 668,055 2,350
50,407
WORLDCOM INC GA NEW COM 98157D106 3,152
103,776 SH OTHER 76,497 2,854
24,425
WRIGLEY WM JR CO COM 982526105 2,598
34,702 SH DEFINED 34,452
250
WRIGLEY WM JR CO COM 982526105 457
6,100 SH OTHER 6,100
XCEL ENERGY INC COM 98389B100 490
17,815 SH DEFINED 17,815
XCEL ENERGY INC COM 98389B100 8
302 SH OTHER 70 232
XEROX CORP COM 984121103 1,194
79,592 SH DEFINED 72,092 1,200
6,300
XEROX CORP COM 984121103 235
15,650 SH OTHER 8,650
7,000
YAHOO INC COM 984332106 4,758
52,290 SH DEFINED 52,140
150
YAHOO INC COM 984332106 36
400 SH OTHER 400
</TABLE>