REGIONS FINANCIAL CORP
13F-HR, 2000-11-14
NATIONAL COMMERCIAL BANKS
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<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



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