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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
Form 13F COVER PAGE
Report for the Quarter Ended: December 31, 1999
Check here if Amendment [ ]; Amendment Number:
This Amendment (Check only one.): [ ] is a restatement
[ ] adds new holdings entries
Institutional Investment Manager Filing this Report:
Name: Regions Financial Corporation
Address: 417 North 20th Street
Birmingham, AL 35203
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 February 11, 2000
[Signature] [City, State] [Date]
Report Type (Check only one.):
[X] 13F HOLDINGS REPORT. (Check here if all holdings of this
reporting manager are reported in this report.)
[ ] 13F NOTICE. (Check here if no holdings reported are in this
report, and all holdings are reported by other reporting
manager(s).)
[ ] 13F COMBINATION REPORT. (Check here if a portion of the
holdings for this reporting manager are reported in this report
and a portion are reported by other reporting manager(s).)
List of Other Managers Reporting for this Manager: None
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Form 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 806
Form 13F Information Table Value Total: $3,247,617 (thousands)
List of Other Included Managers: None
Provide a numbered list of the name(s) and Form 13F file
number(s) of all institutional investment managers with respect
to which this report is filed, other than the manager filing this
report.
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Form 13F INFORMATION TABLE
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 8
NAME OF ISSUER TITLE OF CUSIP VALUE SHRS OR SH/ INVESTMENT VOTING
CLASS (THOUSANDS) PUT/ PRN AMT DISCRETION AUTHORITY
PRN CALL SOLE SHARED NONE
DAIMLERCHRYSLER AG ORD D1668R123 251 3,215 SH DEFINED 3,215
DAIMLERCHRYSLER AG ORD D1668R123 39 500 SH OTHER 189 311
GLOBAL CROSSING LTD COM G3921A100 1,182 23,641 SH DEFINED 13,904 9,737
GLOBAL CROSSING LTD COM G3921A100 47 930 SH OTHER 710 220
GLOBALSTAR TELECOMMUNICATION COM G3930H104 389 8,834 SH DEFINED 8,834
ADC TELECOMMUNICATIONS INC COM 000886101 581 8,000 SH DEFINED 8,000
AFLAC INC COM 001055102 12,484 264,554 SH DEFINED 260,440 4,114
AFLAC INC COM 001055102 137 2,910 SH OTHER 560 850 1,500
AGL RES INC COM 001204106 31 1,800 SH DEFINED 1,800
AGL RES INC COM 001204106 331 19,472 SH OTHER 13,300 2,972 3,200
AES CORP COM 00130H105 1,189 15,900 SH DEFINED 15,900
AMR CORP DEL COM 001765106 1,122 16,750 SH DEFINED 16,700 50
AMR CORP DEL COM 001765106 103 1,540 SH OTHER 1,540
A T & T CORP COM 001957109 20,842 410,181 SH DEFINED 378,918 957 30,306
A T & T CORP COM 001957109 3,546 69,786 SH OTHER 60,230 3,833 5,723
ABBOTT LABORATORIES COM 002824100 11,684 321,746 SH DEFINED 320,966 780
ABBOTT LABORATORIES COM 002824100 914 25,178 SH OTHER 17,378 7,800
ABERCROMBIE & FITCH CO CLASS A CL A 002896207 1,019 38,174 SH DEFINED 37,699 475
ACXIOM CORP COM 005125109 330 13,745 SH DEFINED 13,745
ACXIOM CORP COM 005125109 117 4,857 SH OTHER 250 2,407 2,200
AEGON N V ORD AMER REG 007924103 1,039 10,884 SH DEFINED 10,884
AEGON N V ORD AMER REG 007924103 571 5,974 SH OTHER 5,974
AETNA INC COM 008117103 423 7,584 SH DEFINED 7,584
AETNA INC COM 008117103 33 600 SH OTHER 600
AIR PRODUCTS & CHEMICALS INC COM 009158106 1,063 31,675 SH DEFINED 29,975 1,700
AIR PRODUCTS & CHEMICALS INC COM 009158106 107 3,176 SH OTHER 2,176 1,000
AIRTRAN HOLDINGS INC COM 00949P108 87 19,200 SH DEFINED 19,200
AKZO NOBEL N. V. ADR SPONSORED ADR 010199305 254 5,096 SH DEFINED 5,096
ALBERTSONS INC COM 013104104 1,336 41,427 SH DEFINED 41,364 63
ALBERTSONS INC COM 013104104 6 200 SH OTHER 200
ALCOA INC COM 013817101 4,040 48,669 SH DEFINED 48,359 310
ALCOA INC COM 013817101 42 500 SH OTHER 500
ALEXANDER & BALDWIN INC COM COM 014482103 862 37,800 SH DEFINED 37,800
ALFA CORP COM 015385107 321 19,684 SH DEFINED 19,684
ALFA CORP COM 015385107 11 698 SH OTHER 698
ALLEGHENY ENERGY INC COM 017361106 170 6,310 SH DEFINED 6,310
ALLEGHENY ENERGY INC COM 017361106 38 1,400 SH OTHER 600 800
ALLIANCE CAP MGMT HLDG L P UNIT LTD PART 01855A101 364 12,150 SH DEFINED 12,150
ALLIED WASTE INDS INC COM PAR$.01 019589308 264 30,000 SH DEFINED 30,000
ALLSTATE CORP COM 020002101 2,798 116,260 SH DEFINED 114,460 1,800
ALLSTATE CORP COM 020002101 366 15,218 SH OTHER 9,896 5,322
ALLTEL CORP COM 020039103 17,371 210,079 SH DEFINED 209,829 250
ALLTEL CORP COM 020039103 1,058 12,795 SH OTHER 12,779 16
ALTERA CORP COM 021441100 2,082 42,000 SH DEFINED 42,000
AMEREN CORP COM 023608102 235 7,183 SH DEFINED 7,183
AMEREN CORP COM 023608102 26 800 SH OTHER 800
AMERICA ONLINE INC DEL COM 02364J104 28,866 380,441 SH DEFINED 355,876 400 24,165
AMERICA ONLINE INC DEL COM 02364J104 1,000 13,180 SH OTHER 11,580 1,200 400
AMERICAN ELECTRIC POWER INC COM 025537101 287 8,948 SH DEFINED 8,648 300
AMERICAN ELECTRIC POWER INC COM 025537101 10 325 SH OTHER 325
AMERICAN EAGLE OUTFITTERS IN COM 02553E106 270 6,000 SH DEFINED 6,000
AMERICAN EXPRESS CO COM 025816109 21,994 132,292 SH DEFINED 129,412 2,880
AMERICAN EXPRESS CO COM 025816109 2,353 14,155 SH OTHER 9,917 500 3,738
AMERICAN GENERAL CORP COM 026351106 4,903 64,625 SH DEFINED 64,550 75
AMERICAN GENERAL CORP COM 026351106 273 3,600 SH OTHER 3,300 150 150
AMERICAN HOME PRODUCTS CORP COM 026609107 26,141 666,007 SH DEFINED 638,865 500 26,642
AMERICAN HOME PRODUCTS CORP COM 026609107 5,458 139,050 SH OTHER 135,100 2,500 1,450
AMERICAN INTL GROUP INC COM 026874107 53,027 490,424 SH DEFINED 489,167 1,257
AMERICAN INTL GROUP INC COM 026874107 1,828 16,906 SH OTHER 12,196 500 4,210
AMERICAN PWR CONVERSION CORP COM 029066107 570 21,600 SH DEFINED 21,600
AMERICAN PWR CONVERSION CORP COM 029066107 32 1,200 SH OTHER 1,200
AMERICAN STD COS INC DEL COM 029712106 642 14,000 SH DEFINED 14,000
AMGEN INC COM 031162100 15,595 259,645 SH DEFINED 259,055 590
AMGEN INC COM 031162100 141 2,340 SH OTHER 2,340
AMSOUTH BANCORPORATION COM 032165102 10,369 536,875 SH DEFINED 475,927 60,948
AMSOUTH BANCORPORATION COM 032165102 5,074 262,700 SH OTHER 234,303 5,271 23,126
ANHEUSER BUSCH COS INC COM 035229103 7,205 101,657 SH DEFINED 100,657 1,000
ANHEUSER BUSCH COS INC COM 035229103 756 10,673 SH OTHER 10,073 300 300
AON CORP COM 037389103 447 11,175 SH DEFINED 11,175
APPLIED MATLS INC COM 038222105 780 6,155 SH DEFINED 5,635 520
APPLIED MATLS INC COM 038222105 76 600 SH OTHER 600
ASSOCIATES FIRST CAP CORP CL A 046008108 1,479 53,888 SH DEFINED 53,810 78
ASSOCIATES FIRST CAP CORP CL A 046008108 108 3,924 SH OTHER 3,898 26
ASTRAZENECA PLC SPONSORED ADR 046353108 251 6,000 SH DEFINED 6,000
ATLANTIC RICHFIELD CO COM 048825103 5,631 65,100 SH DEFINED 64,395 480 225
ATLANTIC RICHFIELD CO COM 048825103 1,451 16,779 SH OTHER 9,056 6,590 1,133
AUBURN NATIONAL BANCORPORATION COM 050473107 1 100 SH DEFINED 100
AUBURN NATIONAL BANCORPORATION COM 050473107 704 50,310 SH OTHER 50,310
AUTOMATIC DATA PROCESSING INC COM 053015103 7,097 131,734 SH DEFINED 131,369 365
AUTOMATIC DATA PROCESSING INC COM 053015103 1,012 18,780 SH OTHER 13,880 2,900 2,000
AVERY DENNISON CORP COM 053611109 193 2,654 SH DEFINED 2,654
AVERY DENNISON CORP COM 053611109 474 6,500 SH OTHER 5,400 1,100
AVON PRODS INC COM 054303102 1,036 31,402 SH DEFINED 31,152 250
AVON PRODS INC COM 054303102 46 1,400 SH OTHER 1,400
BB&T CORP COM 054937107 411 15,000 SH DEFINED 15,000
BJS WHSL CLUB INC COM 05548J106 730 20,000 SH DEFINED 20,000
BP AMOCO PLC ADS SPONSORED ADR 055622104 11,231 189,353 SH DEFINED 182,375 6,978
BP AMOCO PLC ADS SPONSORED ADR 055622104 2,734 46,102 SH OTHER 46,102
BMC SOFTWARE INC COM 055921100 7,257 90,780 SH DEFINED 89,080 1,700
BMC SOFTWARE INC COM 055921100 156 1,950 SH OTHER 850 1,100
BAKER HUGHES INC COM 057224107 583 27,667 SH DEFINED 26,867 800
BANK AMER CORP COM 060505104 11,809 235,293 SH DEFINED 226,136 9,157
BANK AMER CORP COM 060505104 15,247 303,800 SH OTHER 289,400 14,000 400
BANK NEW YORK INC COM 064057102 2,947 73,677 SH DEFINED 73,497 180
BANK NEW YORK INC COM 064057102 482 12,060 SH OTHER 260 11,800
BANK ONE CORP COM 06423A103 3,071 95,962 SH DEFINED 93,811 2,151
BANK ONE CORP COM 06423A103 469 14,668 SH OTHER 8,248 4,235 2,185
BARRICK GOLD CORP COM 067901108 864 48,855 SH DEFINED 48,025 830
BARRICK GOLD CORP COM 067901108 18 1,000 SH OTHER 1,000
BAUSCH & LOMB INC COM 071707103 144 2,104 SH DEFINED 1,954 150
BAUSCH & LOMB INC COM 071707103 107 1,564 SH OTHER 1,564
BAXTER INTERNATIONAL INC COM 071813109 560 8,909 SH DEFINED 8,819 90
BAXTER INTERNATIONAL INC COM 071813109 318 5,060 SH OTHER 4,260 800
BEAR STEARNS COS INC COM 073902108 173 4,048 SH DEFINED 4,048
BEAR STEARNS COS INC COM 073902108 50 1,177 SH OTHER 1,177
BECTON DICKINSON & CO COM 075887109 318 11,800 SH DEFINED 11,800
BECTON DICKINSON & CO COM 075887109 31 1,148 SH OTHER 1,148
BELL ATLANTIC CORP COM 077853109 11,083 180,021 SH DEFINED 170,917 9,104
BELL ATLANTIC CORP COM 077853109 1,392 22,613 SH OTHER 16,053 6,118 442
BELLSOUTH CORP COM 079860102 19,846 423,939 SH DEFINED 408,863 450 14,626
BELLSOUTH CORP COM 079860102 6,179 131,998 SH OTHER 116,434 11,560 4,004
BERGEN BRUNSWIG CORP CL A 083739102 249 30,000 SH DEFINED 30,000
BERKSHIRE HATHAWAY INC DEL CL A 084670108 393 7 SH DEFINED 7
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,234 22 SH OTHER 22
BERKSHIRE HATHAWAY INC DEL CL B 084670207 1,321 722 SH DEFINED 717 5
BERKSHIRE HATHAWAY INC DEL CL B 084670207 461 252 SH OTHER 247 5
BESTFOODS COM 08658U101 2,589 49,256 SH DEFINED 48,080 1,176
BESTFOODS COM 08658U101 1,212 23,057 SH OTHER 17,457 1,400 4,200
BIOCRYST PHARMACEUTICALS INC COM 09058V103 142 4,800 SH DEFINED 4,800
BIOCRYST PHARMACEUTICALS INC COM 09058V103 3,247 110,054 SH OTHER 2,000 108,054
BIOGEN INC COM 090597105 2,748 32,525 SH DEFINED 32,525
BIOGEN INC COM 090597105 4 50 SH OTHER 50
BLACKROCK INSD MUN TERM TR INC COM 092474105 236 25,000 SH DEFINED 25,000
BLOCK H & R INC COM 093671105 118 2,700 SH DEFINED 2,200 500
BLOCK H & R INC COM 093671105 88 2,000 SH OTHER 2,000
BLOUNT INTL INC NEW COM 095180105 189 11,878 SH DEFINED 11,878
BLOUNT INTL INC NEW COM 095180105 96 6,000 SH OTHER 6,000
BOCA RESH INC COM 096888102 66 10,000 SH OTHER 10,000
BOEING CO COM 097023105 3,600 86,889 SH DEFINED 86,389 500
BOEING CO COM 097023105 7,748 186,977 SH OTHER 185,177 1,800
BOSTON PPTYS INC COM 101121101 980 31,500 SH DEFINED 31,500
BOSTON SCIENTIFIC CORP COM 101137107 256 11,700 SH OTHER 11,700
BRIGGS & STRATTON CORP COM 109043109 107 2,000 SH DEFINED 2,000
BRIGGS & STRATTON CORP COM 109043109 129 2,400 SH OTHER 2,400
BRISTOL MYERS SQUIBB CO COM 110122108 53,327 830,800 SH DEFINED 809,976 250 20,574
BRISTOL MYERS SQUIBB CO COM 110122108 10,823 168,610 SH OTHER 111,110 6,400 51,100
BROADCOM CORPORATION CL A 111320107 204 750 SH DEFINED 750
BROADWING INC COM 111620100 1,344 36,435 SH DEFINED 36,435
BROADWING INC COM 111620100 16 432 SH OTHER 432
BURLINGTON NORTHN SANTA FE CORP COM 12189T104 1,222 50,405 SH DEFINED 50,405
BURLINGTON NORTHN SANTA FE CORP COM 12189T104 276 11,394 SH OTHER 7,119 4,275
BURLINGTON RESOURCES INC COM 122014103 1,258 38,060 SH DEFINED 35,014 3,046
BURLINGTON RESOURCES INC COM 122014103 186 5,640 SH OTHER 3,486 2,154
CBS CORP COM 12490K107 2,957 46,246 SH DEFINED 46,246
CBS CORP COM 12490K107 13 200 SH OTHER 200
CIGNA CORP COM 125509109 830 10,300 SH DEFINED 10,300
CIGNA CORP COM 125509109 177 2,196 SH OTHER 2,196
CSX CORP COM 126408103 1,487 47,386 SH DEFINED 25,386 22,000
CSX CORP COM 126408103 98 3,120 SH OTHER 3,120
CADENCE DESIGN SYS INC COM 127387108 576 24,000 SH DEFINED 24,000
CAMPBELL SOUP CO COM 134429109 352 9,100 SH DEFINED 8,500 600
CAMPBELL SOUP CO COM 134429109 77 2,000 SH OTHER 1,200 800
CANADIAN PACIFIC LTD COM 135923100 1,143 53,000 SH DEFINED 2,000 51,000
CARNIVAL CORP COM 143658102 1,793 37,500 SH DEFINED 37,500
CARNIVAL CORP COM 143658102 206 4,300 SH OTHER 4,300
CAROLINA POWER & LIGHT CO COM 144141108 133 4,374 SH DEFINED 4,366 8
CAROLINA POWER & LIGHT CO COM 144141108 71 2,348 SH OTHER 348 2,000
CATALINA MARKETING CORP COM 148867104 273 2,355 SH DEFINED 2,355
CATALINA MARKETING CORP COM 148867104 68 590 SH OTHER 590
CATELLUS DEV CORP COM 149111106 912 71,153 SH DEFINED 153 71,000
CATERPILLAR INC COM 149123101 1,332 28,306 SH DEFINED 26,556 1,750
CATERPILLAR INC COM 149123101 221 4,702 SH OTHER 4,702
CENDANT CORP COM 151313103 1,127 42,437 SH DEFINED 42,437
CENDANT CORP COM 151313103 51 1,938 SH OTHER 1,938
CENTRAL & SOUTH WEST CORP COM 152357109 640 31,993 SH DEFINED 31,993
CENTRAL & SOUTH WEST CORP COM 152357109 59 2,930 SH OTHER 2,750 180
CENTURYTEL INC COM 156700106 1,018 21,486 SH DEFINED 14,259 7,227
CENTURYTEL INC COM 156700106 45 945 SH OTHER 945
CHAMPION INTL CORP COM 158525105 96 1,550 SH DEFINED 1,550
CHAMPION INTL CORP COM 158525105 1,143 18,457 SH OTHER 18,457
CHASE MANHATTAN CORP NEW COM 16161A108 6,730 86,630 SH DEFINED 85,630 1,000
CHASE MANHATTAN CORP NEW COM 16161A108 164 2,116 SH OTHER 2,116
CHECKFREE HLDGS CORP COM 162816102 732 7,000 SH DEFINED 7,000
CHEVRON CORP COM 166751107 14,592 168,454 SH DEFINED 165,639 2,815
CHEVRON CORP COM 166751107 3,008 34,724 SH OTHER 28,777 3,531 2,416
CHIRON CORP COM 170040109 1,958 46,200 SH DEFINED 46,200
CHIRON CORP COM 170040109 4 100 SH OTHER 100
CHUBB CORP COM 171232101 1,679 29,810 SH DEFINED 29,810
CINERGY CORP COM 172474108 279 11,675 SH DEFINED 10,925 750
CINERGY CORP COM 172474108 48 2,000 SH OTHER 2,000
CIRCUIT CITY STORES GROUP CIRCT CITY GR 172737108 3,683 81,727 SH DEFINED 80,842 885
CIRCUIT CITY STORES GROUP CIRCT CITY GR 172737108 324 7,200 SH OTHER 1,000 200 6,000
CISCO SYS INC COM 17275R102 67,771 632,639 SH DEFINED 607,148 300 25,191
CISCO SYS INC COM 17275R102 1,419 13,242 SH OTHER 9,572 3,200 470
CITIGROUP INC COM 172967101 19,178 344,381 SH DEFINED 321,547 22,834
CITIGROUP INC COM 172967101 3,961 71,130 SH OTHER 66,855 2,100 2,175
CITIZENS UTILITIES CO DEL CL B CL B 177342201 142 10,034 SH DEFINED 10,034
CITRIX SYS INC COM 177376100 2,039 16,580 SH DEFINED 16,300 280
CITRIX SYS INC COM 177376100 16 128 SH OTHER 128
CLEAR CHANNEL COMMUNICATIONS COM 184502102 1,517 17,000 SH DEFINED 17,000
CLOROX CO COM 189054109 7,547 149,808 SH DEFINED 136,628 13,180
CLOROX CO COM 189054109 364 7,233 SH OTHER 4,233 3,000
COCA COLA CO COM 191216100 105,376 1,809,036 SH DEFINED 1,759,475 850 48,711
COCA COLA CO COM 191216100 126,873 2,178,071 SH OTHER 2,126,745 39,496 11,830
COCA COLA ENTERPRISES INC COM 191219104 4,315 214,424 SH DEFINED 46,672 167,752
COCA COLA ENTERPRISES INC COM 191219104 45,567 2,264,213 SH OTHER 2,264,213
COLGATE PALMOLIVE CO COM 194162103 12,375 190,379 SH DEFINED 184,925 5,454
COLGATE PALMOLIVE CO COM 194162103 17,460 268,608 SH OTHER 267,008 1,600
COLONIAL BANCGROUP INC COM 195493309 137 13,221 SH DEFINED 13,221
COLONIAL BANCGROUP INC COM 195493309 133 12,784 SH OTHER 12,784
COLONIAL PPTYS TR COM SH BEN IN 195872106 215 9,276 SH DEFINED 9,276
COLONIAL PPTYS TR COM SH BEN IN 195872106 220 9,500 SH OTHER 9,500
COLUMBIA/HCA HEALTHCARE CORP COM 197677107 1,658 56,550 SH DEFINED 56,550
COMDISCO INC COM 200336105 1,341 36,000 SH DEFINED 36,000
COMERICA INC COM 200340107 327 7,000 SH DEFINED 7,000
COMPAQ COMPUTER CORP COM 204493100 3,417 126,243 SH DEFINED 123,043 200 3,000
COMPAQ COMPUTER CORP COM 204493100 800 29,548 SH OTHER 27,911 1,600 37
COMPASS BANCSHARES, INC. COM 20449H109 2,639 118,262 SH DEFINED 104,918 13,344
COMPASS BANCSHARES, INC. COM 20449H109 2,604 116,705 SH OTHER 116,705
COMPUTER ASSOC INTL INC COM 204912109 5,268 75,325 SH DEFINED 75,175 150
COMPUTER ASSOC INTL INC COM 204912109 74 1,055 SH OTHER 1,055
COMPUTER SCIENCES CORP COM 205363104 6,466 68,335 SH DEFINED 67,260 1,075
COMPUTER SCIENCES CORP COM 205363104 19 200 SH OTHER 100 100
COMPUWARE CORP COM 205638109 2,049 55,000 SH DEFINED 55,000
COMPUWARE CORP COM 205638109 6 160 SH OTHER 160
COMVERSE TECHNOLOGY INC COM PAR$0.10 205862402 386 2,665 SH DEFINED 2,640 25
COMVERSE TECHNOLOGY INC COM PAR$0.10 205862402 217 1,500 SH OTHER 1,500
CONAGRA INC COM 205887102 1,547 68,173 SH DEFINED 32,575 35,598
CONAGRA INC COM 205887102 271 11,962 SH OTHER 11,562 200 200
CONCORD EFS INC COM 206197105 1,288 50,000 SH DEFINED 50,000
CONEXANT SYS INC COM 207142100 1,103 16,612 SH DEFINED 16,612
CONEXANT SYS INC COM 207142100 109 1,642 SH OTHER 1,642
CONOCO INC CL B 208251405 1,901 76,443 SH DEFINED 76,243 200
CONOCO INC CL B 208251405 67 2,706 SH OTHER 2,706
CONSECO INC COM 208464107 1,917 107,642 SH DEFINED 104,642 3,000
CONSECO INC COM 208464107 95 5,312 SH OTHER 2,512 2,800
CONSOLIDATED EDISON INC COM 209115104 1,190 34,498 SH DEFINED 34,498
CONSOLIDATED EDISON INC COM 209115104 86 2,500 SH OTHER 2,500
CONSOLIDATED NATURAL GAS CO COM 209615103 470 7,233 SH DEFINED 7,177 56
CONSOLIDATED NATURAL GAS CO COM 209615103 26 400 SH OTHER 400
CONVERGYS CORP COM 212485106 1,102 35,835 SH DEFINED 35,835
CONVERGYS CORP COM 212485106 5 160 SH OTHER 160
COOPER CAMERON CORP COM 216640102 1,023 20,902 SH DEFINED 19,877 1,025
CORNING INC COM 219350105 7,209 55,908 SH DEFINED 55,220 688
CORNING INC COM 219350105 516 4,003 SH OTHER 3,603 400
COSTCO WHSL CORP COM 22160K105 1,496 16,400 SH DEFINED 16,350 50
COSTCO WHSL CORP COM 22160K105 315 3,450 SH OTHER 150 3,300
CROWN CORK & SEAL INC COM 228255105 215 9,600 SH DEFINED 8,800 800
CROWN CORK & SEAL INC COM 228255105 18 800 SH OTHER 800
DANA CORP COM 235811106 313 10,443 SH DEFINED 10,443
DANA CORP COM 235811106 28 920 SH OTHER 920
DAYTON HUDSON CORP COM 239753106 2,462 33,530 SH DEFINED 33,530
DAYTON HUDSON CORP COM 239753106 448 6,100 SH OTHER 6,000 100
DEERE & CO COM 244199105 567 13,080 SH DEFINED 12,555 400 125
DEERE & CO COM 244199105 187 4,300 SH OTHER 2,400 1,700 200
DELHAIZE AMER INC CL B 246688204 237 11,358 SH DEFINED 11,292 66
DELL COMPUTER CORP COM 247025109 19,465 381,674 SH DEFINED 366,549 15,125
DELL COMPUTER CORP COM 247025109 1,351 26,491 SH OTHER 17,091 3,800 5,600
DELPHI AUTOMOTIVE SYS CORP COM 247126105 686 43,567 SH DEFINED 42,861 706
DELPHI AUTOMOTIVE SYS CORP COM 247126105 143 9,065 SH OTHER 7,818 1,247
DELTA AIR LINES INC COM 247361108 742 14,890 SH DEFINED 14,890
DELTA AIR LINES INC COM 247361108 747 14,988 SH OTHER 6,188 1,500 7,300
DIAL CORP NEW COM COM 25247D101 6,961 286,298 SH DEFINED 250,318 500 35,480
DIAL CORP NEW COM COM 25247D101 1,002 41,229 SH OTHER 38,075 1,400 1,754
DIAMOND OFFSHORE DRILLNG INC COM 25271C102 560 18,335 SH DEFINED 18,335
DIAMOND OFFSHORE DRILLNG INC COM 25271C102 3 100 SH OTHER 100
DILLARDS INC CL A 254067101 266 13,170 SH DEFINED 4,919 8,251
DILLARDS INC CL A 254067101 190 9,400 SH OTHER 9,400
WALT DISNEY COMPANY COM DISNEY 254687106 5,482 187,435 SH DEFINED 185,711 500 1,224
WALT DISNEY COMPANY COM DISNEY 254687106 1,219 41,687 SH OTHER 37,801 3,700 186
DOLLAR TREE STORES INC COM 256747106 484 10,000 SH DEFINED 10,000
DOMINION RES INC VA COM 257470104 1,210 30,820 SH DEFINED 30,766 54
DOMINION RES INC VA COM 257470104 12 300 SH OTHER 300
DOVER CORP COM 260003108 251 5,536 SH DEFINED 800 4,736
DOW CHEM CO COM COM 260543103 3,593 26,892 SH DEFINED 26,892
DOW CHEM CO COM COM 260543103 541 4,046 SH OTHER 3,621 425
DREYFUS STRATEGIC MUNS INC COM 261932107 375 50,000 SH DEFINED 50,000
DREYFUS STRATEGIC MUNS INC COM 261932107 26 3,400 SH OTHER 3,400
DREYFUS STRATEGIC MUN BD FD INC COM 26202F107 393 53,304 SH DEFINED 53,304
DU PONT E I DE NEMOURS & CO COM 263534109 27,911 423,693 SH DEFINED 415,106 8,587
DU PONT E I DE NEMOURS & CO COM 263534109 3,739 56,752 SH OTHER 42,546 2,306 11,900
DUFF & PHELPS UTILS INCOME,INC COM 264324104 102 12,255 SH DEFINED 11,851 404
DUFF & PHELPS UTILS INCOME,INC COM 264324104 32 3,840 SH OTHER 3,840
DUKE ENERGY CORP COM 264399106 4,551 90,784 SH DEFINED 88,055 2,729
DUKE ENERGY CORP COM 264399106 384 7,662 SH OTHER 7,412 250
DUN & BRADSTREET CORP DEL COM 26483B106 270 9,138 SH DEFINED 7,638 1,500
DUN & BRADSTREET CORP DEL COM 26483B106 30 1,000 SH OTHER 1,000
E M C CORP MASS COM 268648102 15,270 139,768 SH DEFINED 130,208 9,560
E M C CORP MASS COM 268648102 712 6,515 SH OTHER 3,115 3,400
E TRADE GROUP INC COM 269246104 1,279 48,960 SH DEFINED 47,305 1,655
EASTMAN KODAK CO COM 277461109 4,206 63,489 SH DEFINED 59,989 300 3,200
EASTMAN KODAK CO COM 277461109 945 14,259 SH OTHER 11,610 2,649
EATON CORP COM 278058102 386 5,310 SH DEFINED 5,310
EATON VANCE MUNICIPAL INCOME FD SH BEN INT 27826U108 387 33,332 SH DEFINED 33,332
ECOLAB INC COM 278865100 1,822 46,562 SH DEFINED 1,125 45,437
EDISON INTERNATIONAL COM 281020107 1,545 58,978 SH DEFINED 58,278 700
EDISON INTERNATIONAL COM 281020107 57 2,184 SH OTHER 2,184
EL PASO ENERGY CORP DEL COM 283905107 289 7,450 SH DEFINED 5,750 1,700
EL PASO ENERGY CORP DEL COM 283905107 341 8,787 SH OTHER 8,787
ELECTRONIC ARTS COM 285512109 672 8,000 SH DEFINED 8,000
ELECTRONIC ARTS COM 285512109 244 2,900 SH OTHER 2,900
ELECTRONIC DATA SYS CORP NEW COM 285661104 3,071 45,878 SH DEFINED 44,080 40 1,758
ELECTRONIC DATA SYS CORP NEW COM 285661104 914 13,656 SH OTHER 4,156 100 9,400
ELTRAX SYS INC COM 290375104 442 54,800 SH DEFINED 52,800 2,000
EMERSON ELECTRIC CO COM 291011104 3,037 52,932 SH DEFINED 52,807 125
EMERSON ELECTRIC CO COM 291011104 646 11,260 SH OTHER 10,060 1,200
ENERGEN CORP COM 29265N108 165 9,110 SH DEFINED 8,510 600
ENERGEN CORP COM 29265N108 193 10,700 SH OTHER 6,700 4,000
ENERGYSOUTH INC COM 292970100 1,041 50,146 SH DEFINED 43,581 6,565
ENRON CORPORATION ORGEON COM 293561106 285 6,428 SH DEFINED 5,428 1,000
EQUITY INCOME FUND UT 1EX SR-ATT 294700703 666 3,283 SH DEFINED 3,283
EQUITY INCOME FUND UT 1EX SR-ATT 294700703 20 100 SH OTHER 100
EXXON MOBIL CORP COM 30231G102 68,727 853,090 SH DEFINED 787,679 396 65,015
EXXON MOBIL CORP COM 30231G102 15,559 193,127 SH OTHER 176,033 14,038 3,056
FPL GROUP INC COM 302571104 1,895 44,260 SH DEFINED 43,994 16 250
FPL GROUP INC COM 302571104 83 1,950 SH OTHER 1,250 400 300
FAMILY DOLLAR STORES INC COM 307000109 1,227 75,200 SH DEFINED 75,200
FAMILY DOLLAR STORES INC COM 307000109 24 1,500 SH OTHER 1,500
FDX CORP COM 31304N107 3,091 75,496 SH DEFINED 36,900 38,596
FDX CORP COM 31304N107 63 1,529 SH OTHER 1,329 200
FEDERAL HOME LN MTG CORP COM 313400301 2,031 43,160 SH DEFINED 42,890 270
FEDERAL HOME LN MTG CORP COM 313400301 38 801 SH OTHER 100 701
FEDERAL MOGUL CORP COM 313549107 403 20,000 SH DEFINED 20,000
FEDERAL NATIONAL MORTGAGE ASSN COM 313586109 17,111 274,043 SH DEFINED 271,118 100 2,825
FEDERAL NATIONAL MORTGAGE ASSN COM 313586109 868 13,907 SH OTHER 11,800 1,700 407
FEDERATED DEPT STORES INC NEW COM 31410H101 506 10,000 SH DEFINED 10,000
FEDERATED DEPT STORES INC NEW COM 31410H101 10 200 SH OTHER 200
FIFTH THIRD BANCORP COM 316773100 1,224 16,685 SH DEFINED 16,550 135
FIRST DATA CORP COM 319963104 1,946 39,455 SH DEFINED 39,155 300
FIRST DATA CORP COM 319963104 99 2,010 SH OTHER 2,010
FIRST TENNESSEE NATIONAL CORP COM 337162101 684 24,000 SH DEFINED 24,000
FIRST TENNESSEE NATIONAL CORP COM 337162101 171 5,992 SH OTHER 5,992
FIRST UNION CORP COM 337358105 3,070 93,191 SH DEFINED 91,791 1,400
FIRST UNION CORP COM 337358105 165 5,014 SH OTHER 3,914 1,100
FIRST VIRGINIA BANKSHARES, INC. COM 337477103 1,365 31,747 SH OTHER 31,747
FIRSTAR CORP NEW WIS COM 33763V109 6,072 287,455 SH DEFINED 287,455
FIRSTAR CORP NEW WIS COM 33763V109 13 634 SH OTHER 634
FLEETBOSTON FINL CORP COM 339030108 3,029 87,014 SH DEFINED 86,542 472
FLEETBOSTON FINL CORP COM 339030108 175 5,033 SH OTHER 5,033
FLEMING COMPANIES INC COM 339130106 186 18,150 SH DEFINED 18,150
FLORIDA PROGRESS CORP COM 341109106 2,685 63,464 SH DEFINED 62,789 675
FLORIDA PROGRESS CORP COM 341109106 94 2,225 SH OTHER 2,050 75 100
FLORIDA ROCK INDS INC COM 341140101 167 4,850 SH DEFINED 4,850
FLORIDA ROCK INDS INC COM 341140101 164 4,749 SH OTHER 4,749
FORD MOTOR CO COM 345370100 5,872 110,134 SH DEFINED 98,847 11,287
FORD MOTOR CO COM 345370100 370 6,936 SH OTHER 6,936
FOREST LABS INC COM 345838106 1,352 22,000 SH DEFINED 22,000
FORTUNE BRANDS INC COM 349631101 658 19,915 SH DEFINED 19,915
FORTUNE BRANDS INC COM 349631101 145 4,390 SH OTHER 4,390
GTE CORP COM 362320103 3,719 52,705 SH DEFINED 52,405 300
GTE CORP COM 362320103 440 6,232 SH OTHER 3,782 1,000 1,450
GALLAHER GROUP PLC SPONSORED ADR 363595109 203 13,172 SH DEFINED 13,172
GALLAHER GROUP PLC SPONSORED ADR 363595109 52 3,390 SH OTHER 3,390
GANNETT INC COM 364730101 4,924 60,368 SH DEFINED 57,173 3,195
GANNETT INC COM 364730101 1,507 18,479 SH OTHER 17,479 1,000
GAP INC COM 364760108 3,863 83,970 SH DEFINED 81,995 1,975
GAP INC COM 364760108 572 12,425 SH OTHER 3,600 8,825
GATEWAY INC COM 367626108 8,539 118,500 SH DEFINED 116,600 1,900
GATEWAY INC COM 367626108 850 11,800 SH OTHER 11,600 200
GENERAL DYNAMICS CORP COM 369550108 369 7,000 SH DEFINED 7,000
GENERAL ELECTRIC CO COM 369604103 156,531 1,011,509 SH DEFINED 992,036 900 18,573
GENERAL ELECTRIC CO COM 369604103 34,835 225,106 SH OTHER 201,676 4,500 18,930
GENERAL MILLS INC COM 370334104 3,063 85,675 SH DEFINED 80,542 5,133
GENERAL MILLS INC COM 370334104 780 21,831 SH OTHER 21,831
GENERAL MOTORS CORP COM 370442105 7,546 103,816 SH DEFINED 85,611 150 18,055
GENERAL MOTORS CORP COM 370442105 1,085 14,929 SH OTHER 14,329 600
GENUINE PARTS CO COM 372460105 2,495 100,554 SH DEFINED 86,379 14,175
GENUINE PARTS CO COM 372460105 624 25,131 SH OTHER 23,281 1,700 150
GEORGIA PAC CORP COM GA PAC 373298108 1,646 32,442 SH DEFINED 30,370 2,072
GEORGIA PAC CORP TIMBER GROUP COM-TIMBER 373298702 1,381 56,081 SH DEFINED 2,045 1,036 53,000
GILEAD SCIENCES INC COM 375558103 866 16,000 SH DEFINED 16,000
GILLETTE CO COM 375766102 15,750 382,387 SH DEFINED 357,398 500 24,489
GILLETTE CO COM 375766102 3,255 79,019 SH OTHER 63,394 1,900 13,725
GLAXO WELLCOME PLC SPONSORED ADR 37733W105 73 1,300 SH DEFINED 1,300
GLAXO WELLCOME PLC SPONSORED ADR 37733W105 131 2,350 SH OTHER 2,350
GLOBAL MARINE INC COM 379352404 424 25,500 SH DEFINED 25,500
GOODYEAR TIRE & RUBBER CO COM 382550101 366 13,044 SH DEFINED 13,044
GOODYEAR TIRE & RUBBER CO COM 382550101 131 4,684 SH OTHER 4,684
GRAY COMMUNICATIONS SYSTEM INC COM 389190109 2,985 168,750 SH OTHER 168,750
GREAT LAKES CHEMICAL COM 390568103 229 6,000 SH DEFINED 6,000
HALLIBURTON CO COM 406216101 4,351 108,108 SH DEFINED 101,688 6,420
HALLIBURTON CO COM 406216101 375 9,320 SH OTHER 7,320 2,000
HARBINGER CORP COM 41145C103 891 28,000 SH DEFINED 28,000
HARTFORD FINL SVCS GROUP INC COM 416515104 701 14,805 SH DEFINED 14,805
HEALTHSOUTH CORP COM 421924101 139 25,875 SH DEFINED 25,875
HEALTHSOUTH CORP COM 421924101 61 11,270 SH OTHER 10,350 920
HEALTH MGMT ASSOC INC NEW CL A 421933102 268 20,000 SH DEFINED 20,000
HEINZ H J CO COM 423074103 3,675 92,299 SH DEFINED 91,849 450
HEINZ H J CO COM 423074103 1,361 34,195 SH OTHER 33,595 600
HERSHEY FOODS CORP COM 427866108 1,622 34,184 SH DEFINED 33,574 350 260
HERSHEY FOODS CORP COM 427866108 551 11,605 SH OTHER 9,505 100 2,000
HEWLETT PACKARD CO COM 428236103 9,486 83,390 SH DEFINED 82,315 1,075
HEWLETT PACKARD CO COM 428236103 2,830 24,883 SH OTHER 16,783 1,000 7,100
HIBERNIA CORP CL A 428656102 224 21,079 SH DEFINED 21,079
HIBERNIA CORP CL A 428656102 5 500 SH OTHER 500
HILTON HOTELS COM 432848109 1,186 124,044 SH DEFINED 6,044 118,000
HOME DEPOT INC COM 437076102 36,931 537,166 SH DEFINED 526,159 11,007
HOME DEPOT INC COM 437076102 3,348 48,701 SH OTHER 34,751 2,700 11,250
HOMESTAKE MINING CO COM 437614100 615 78,712 SH DEFINED 78,712
HONEYWELL INTERNATIONAL INC COM 438516106 2,691 46,639 SH DEFINED 45,774 350 515
HONEYWELL INTERNATIONAL INC COM 438516106 496 8,591 SH OTHER 7,391 1,200
HOST MARRIOTT CORP NEW COM 44107P104 750 90,964 SH DEFINED 3,831 87,133
HOUSEHOLD INTERNATIONAL CORP COM 441815107 1,367 36,689 SH DEFINED 36,239 450
HOUSEHOLD INTERNATIONAL CORP COM 441815107 329 8,845 SH OTHER 7,926 460 459
HUMAN GENOME SCIENCES INC COM 444903108 4,884 32,000 SH DEFINED 32,000
ICN PHARMACEUTICALS INC NEW COM 448924100 1,148 45,350 SH DEFINED 44,000 1,350
ICOS CORP COM 449295104 1,346 46,000 SH DEFINED 46,000
IDEC PHARMACEUTICALS CORP COM 449370105 2,948 30,000 SH DEFINED 30,000
IMS HEALTH INC COM 449934108 214 7,880 SH DEFINED 7,880
IMS HEALTH INC COM 449934108 60 2,200 SH OTHER 600 1,600
ILLINOIS TOOL WKS INC COM 452308109 3,149 46,614 SH DEFINED 46,354 260
ILLINOIS TOOL WKS INC COM 452308109 81 1,200 SH OTHER 1,200
INACOM CORP COM 45323G109 576 78,823 SH DEFINED 78,823
INFORMIX CORP COM 456779107 275 24,000 SH DEFINED 24,000
INGERSOLL RAND CO COM 456866102 2,208 40,100 SH DEFINED 40,100
INSURED MUNICIPAL INCOME FUND COM 45809F104 520 45,000 SH DEFINED 45,000
INTEL CORP COM 458140100 72,336 878,798 SH DEFINED 842,086 400 36,312
INTEL CORP COM 458140100 11,906 144,642 SH OTHER 105,279 7,996 31,367
INTERGRAPH CORP COM 458683109 193 41,250 SH DEFINED 40,250 1,000
INTERGRAPH CORP COM 458683109 16 3,500 SH OTHER 3,500
INTERNATIONAL BUS MACHINES CORP COM 459200101 52,531 486,958 SH DEFINED 468,699 18,259
INTERNATIONAL BUS MACHINES CORP COM 459200101 10,750 99,650 SH OTHER 50,050 4,200 45,400
INTL FLAVORS & FRAGRANCES INC COM 459506101 1,228 32,630 SH DEFINED 23,530 9,100
INTL FLAVORS & FRAGRANCES INC COM 459506101 312 8,297 SH OTHER 7,997 300
INTERNATIONAL GAME TECHNOLOGY COM 459902102 406 20,000 SH DEFINED 20,000
INTERNATIONAL PAPER CO COM 460146103 8,653 153,324 SH DEFINED 150,325 300 2,699
INTERNATIONAL PAPER CO COM 460146103 1,810 32,075 SH OTHER 32,075
INTERPUBLIC GROUP COS INC COM 460690100 335 5,800 SH OTHER 5,800
INVESTMENT TECHNOLOGY GRP NE COM 46145F105 288 10,000 SH DEFINED 10,000
IPALCO ENTERPRISES INC COM 462613100 720 42,200 SH DEFINED 42,200
IPALCO ENTERPRISES INC COM 462613100 26 1,502 SH OTHER 1,502
JDS UNIPHASE CORP COM 46612J101 548 3,400 SH DEFINED 3,300 100
JDS UNIPHASE CORP COM 46612J101 226 1,400 SH OTHER 1,400
JABIL CIRCUIT INC COM 466313103 1,460 20,000 SH DEFINED 20,000
JEFFERSON PILOT CORP COM 475070108 12,483 182,906 SH DEFINED 166,263 16,643
JEFFERSON PILOT CORP COM 475070108 4,500 65,933 SH OTHER 40,215 2,918 22,800
JOHNSON & JOHNSON COM 478160104 45,578 488,768 SH DEFINED 473,356 300 15,112
JOHNSON & JOHNSON COM 478160104 3,038 32,574 SH OTHER 25,174 2,100 5,300
JUST FOR FEET INC COM 48213P106 19 15,700 SH DEFINED 15,700
K MART CORP COM 482584109 246 24,425 SH DEFINED 24,000 425
K MART CORP COM 482584109 6 600 SH OTHER 600
KAYDON CORP COM 486587108 64 2,400 SH DEFINED 2,400
KAYDON CORP COM 486587108 252 9,400 SH OTHER 9,400
KEANE INC COM 486665102 179 5,586 SH DEFINED 5,586
KEANE INC COM 486665102 46 1,442 SH OTHER 1,384 58
KELLOGG CO COM 487836108 176 5,720 SH DEFINED 5,470 250
KELLOGG CO COM 487836108 320 10,400 SH OTHER 10,400
KEMPER MUN INCOME TR COM SH BEN IN 48842C104 320 32,185 SH DEFINED 31,000 1,185
KERR MCGEE CORP COM 492386107 114 1,839 SH DEFINED 1,839
KERR MCGEE CORP COM 492386107 87 1,400 SH OTHER 1,400
KEYCORP NEW COM 493267108 1,136 51,337 SH DEFINED 51,337
KEYCORP NEW COM 493267108 7 300 SH OTHER 300
KIMBERLY CLARK CORP COM 494368103 14,085 215,249 SH DEFINED 198,679 16,570
KIMBERLY CLARK CORP COM 494368103 4,174 63,783 SH OTHER 60,483 3,300
KNIGHT RIDDER INC COM 499040103 1,989 33,398 SH DEFINED 33,398
KONINKLIJKE PHILIPS ELECTRS SPON ADR NEW 500472204 621 4,600 SH DEFINED 4,600
LEGG MASON INC COM 524901105 580 16,000 SH DEFINED 16,000
LILLY ELI & CO COM 532457108 11,174 168,037 SH DEFINED 166,877 1,160
LILLY ELI & CO COM 532457108 2,713 40,798 SH OTHER 39,098 1,700
LIMITED INC COM 532716107 606 13,984 SH DEFINED 13,984
LIMITED INC COM 532716107 22 500 SH OTHER 500
LINCOLN NATIONAL CORP IND COM 534187109 897 22,425 SH DEFINED 22,225 200
LINEAR TECHNOLOGY CORP COM 535678106 2,433 34,000 SH DEFINED 34,000
LOCKHEED MARTIN CORP COM 539830109 950 43,448 SH DEFINED 43,348 100
LOCKHEED MARTIN CORP COM 539830109 28 1,300 SH OTHER 1,300
LOEWS CORP COM 540424108 103 1,700 SH DEFINED 1,700
LOEWS CORP COM 540424108 546 9,000 SH OTHER 9,000
LOWES COS INC COM 548661107 1,628 27,250 SH DEFINED 27,200 50
LOWES COS INC COM 548661107 12 200 SH OTHER 200
LUCENT TECHNOLOGIES INC COM 549463107 73,921 985,608 SH DEFINED 942,488 560 42,560
LUCENT TECHNOLOGIES INC COM 549463107 14,910 198,806 SH OTHER 149,378 4,696 44,732
LUFKIN INDUSTRIES INCORPORATED COM 549764108 127 8,480 SH DEFINED 8,480
LUFKIN INDUSTRIES INCORPORATED COM 549764108 551 36,765 SH OTHER 36,765
MBNA CORP COM 55262L100 321 11,793 SH DEFINED 11,393 400
MBNA CORP COM 55262L100 21 780 SH OTHER 780
MCI WORLDCOM INC COM 55268B106 39,552 745,352 SH DEFINED 701,674 600 43,078
MCI WORLDCOM INC COM 55268B106 5,142 96,899 SH OTHER 68,099 3,000 25,800
MFS MULTIMARKET INCOME TRUST SH BEN INT 552737108 70 12,650 SH DEFINED 12,650
MFS MULTIMARKET INCOME TRUST SH BEN INT 552737108 3 600 SH OTHER 600
MFS GOVT MKTS INCOME TR SH BEN INT 552939100 103 18,160 SH DEFINED 18,160
MFS GOVT MKTS INCOME TR SH BEN INT 552939100 2 300 SH OTHER 300
MANULIFE FINL CORP COM 56501R106 257 20,260 SH DEFINED 20,260
MARSH & MCLENNAN COS INC COM 571748102 1,882 19,668 SH DEFINED 19,168 500
MARSH & MCLENNAN COS INC COM 571748102 847 8,850 SH OTHER 8,850
MARRIOTT INTL INC NEW CL A 571903202 1,610 51,000 SH DEFINED 12,000 39,000
MARRIOTT INTL INC NEW CL A 571903202 265 8,400 SH OTHER 200 8,200
MASCO CORP COM 574599106 1,141 44,975 SH DEFINED 44,975
MASCO CORP COM 574599106 66 2,600 SH OTHER 2,600
MATTEL, INC. COM 577081102 308 23,451 SH DEFINED 23,451
MATTEL, INC. COM 577081102 6 440 SH OTHER 440
MAXIM INTEGRATED PRODS INC COM 57772K101 2,643 56,000 SH DEFINED 56,000
MAY DEPT STORES CO COM 577778103 613 19,001 SH DEFINED 19,001
MAY DEPT STORES CO COM 577778103 104 3,234 SH OTHER 3,234
MAYTAG CORP COM 578592107 36,528 760,990 SH DEFINED 760,990
MAYTAG CORP COM 578592107 96 2,000 SH OTHER 2,000
MCCORMICK & CO INC COMMON STOCK COM NON VTG 579780206 692 23,264 SH DEFINED 23,264
MCCORMICK & CO INC COMMON STOCK COM NON VTG 579780206 26 888 SH OTHER 888
MCDONALDS CORP COM 580135101 8,135 201,788 SH DEFINED 198,788 500 2,500
MCDONALDS CORP COM 580135101 3,039 75,396 SH OTHER 62,596 12,800
MCGRAW-HILL COMPANIES INC NEW COM 580645109 806 13,080 SH DEFINED 12,280 800
MCGRAW-HILL COMPANIES INC NEW COM 580645109 493 8,000 SH OTHER 8,000
MEAD CORP COM 582834107 3,719 85,615 SH DEFINED 84,233 1,382
MEAD CORP COM 582834107 3,707 85,349 SH OTHER 35,514 1,600 48,235
MEDIAONE GROUP INC COM 58440J104 3,198 41,628 SH DEFINED 41,148 480
MEDIAONE GROUP INC COM 58440J104 309 4,022 SH OTHER 3,408 614
MEDICAL ASSURN INC COM 58449U100 363 17,119 SH DEFINED 14,175 2,944
MEDICAL ASSURN INC COM 58449U100 33 1,581 SH OTHER 1,556 25
MEDICIS PHARMACEUTICAL CORP CL A NEW 584690309 341 8,000 SH DEFINED 8,000
MEDIMMUNE INC COM 584699102 2,322 14,000 SH DEFINED 14,000
MEDTRONIC INC COM 585055106 6,294 172,745 SH DEFINED 172,095 650
MEDTRONIC INC COM 585055106 437 12,000 SH OTHER 2,200 9,800
MELLON FINL CORP COM 58551A108 942 27,660 SH DEFINED 27,660
MELLON FINL CORP COM 58551A108 41 1,200 SH OTHER 600 600
MERCK & CO INC COM 589331107 45,861 682,576 SH DEFINED 664,554 400 17,622
MERCK & CO INC COM 589331107 11,021 164,027 SH OTHER 138,127 2,900 23,000
MERRILL LYNCH & CO INC COM 590188108 1,736 20,840 SH DEFINED 20,240 600
MERRILL LYNCH & CO INC COM 590188108 71 850 SH OTHER 50 800
MICROSOFT CORP COM 594918104 123,925 1,061,459 SH DEFINED 1,031,277 30,182
MICROSOFT CORP COM 594918104 6,644 56,908 SH OTHER 45,608 2,000 9,300
MICROCHIP TECHNOLOGY INC COM 595017104 1,369 20,000 SH DEFINED 20,000
MICRON TECHNOLOGY INC COM 595112103 2,296 29,390 SH DEFINED 29,290 100
MICRON TECHNOLOGY INC COM 595112103 78 1,000 SH OTHER 1,000
MILLENNIUM PHARMACTCLS INC COM 599902103 1,464 12,000 SH DEFINED 12,000
MINNESOTA MINING & MANUF CO COM 604059105 4,878 49,843 SH DEFINED 48,993 850
MINNESOTA MINING & MANUF CO COM 604059105 1,869 19,099 SH OTHER 17,400 1,699
MONSANTO CO COM 611662107 4,077 115,058 SH DEFINED 107,113 7,945
MONSANTO CO COM 611662107 1,431 40,374 SH OTHER 31,799 2,500 6,075
MONSANTO CO ADJ CONVR RT 611662305 172 5,190 SH DEFINED 2,990 2,200
MONSANTO CO ADJ CONVR RT 611662305 70 2,100 SH OTHER 2,100
MORGAN J P & CO INC COM 616880100 2,669 21,078 SH DEFINED 20,298 780
MORGAN J P & CO INC COM 616880100 704 5,563 SH OTHER 2,349 3,214
MORGAN STANLEY DEAN WITTER & CO COM NEW 617446448 8,857 62,043 SH DEFINED 61,933 110
MORGAN STANLEY DEAN WITTER & CO COM NEW 617446448 815 5,709 SH OTHER 5,709
MORRISON MGMT SPECIALISTS IN COM 618459101 898 41,641 SH DEFINED 41,641
MORRISON MGMT SPECIALISTS IN COM 618459101 501 23,252 SH OTHER 20,752 2,500
MOTOROLA INC COM 620076109 11,024 74,863 SH DEFINED 74,488 375
MOTOROLA INC COM 620076109 2,621 17,800 SH OTHER 17,100 700
MURPHY OIL CORP COM 626717102 195 3,400 SH DEFINED 3,400
MURPHY OIL CORP COM 626717102 311 5,412 SH OTHER 5,412
MYLAN LABORATORIES INC COM 628530107 506 20,100 SH DEFINED 20,100
NABISCO HLDGS CORP CL A 629526104 1,008 32,000 SH DEFINED 32,000
NABISCO GROUP HLDG CORP COM 62952P102 555 52,237 SH DEFINED 52,237
NABISCO GROUP HLDG CORP COM 62952P102 3 300 SH OTHER 300
NASDAQ 100 TR UNIT SER 1 631100104 471 2,575 SH DEFINED 2,575
NATIONAL CITY CORP COM 635405103 893 37,682 SH DEFINED 37,682
NATIONAL FUEL GAS CO N J COM 636180101 124 2,658 SH DEFINED 2,658
NATIONAL FUEL GAS CO N J COM 636180101 140 3,008 SH OTHER 3,008
NATIONAL WESTMINISTER BANK ADR 638539403 231 1,784 SH OTHER 1,784
NETWORK APPLIANCE INC COM 64120L104 1,063 12,800 SH DEFINED 12,800
NEW CENTY ENERGIES INC COM 64352U103 362 11,909 SH DEFINED 11,839 70
NEW CENTY ENERGIES INC COM 64352U103 8 250 SH OTHER 150 100
NEWELL RUBBERMAID INC COM 651229106 111 3,813 SH DEFINED 3,613 200
NEWELL RUBBERMAID INC COM 651229106 185 6,383 SH OTHER 283 6,100
NEWMONT MINING CORP COM 651639106 1,208 49,294 SH DEFINED 49,294
NEWMONT MINING CORP COM 651639106 5 188 SH OTHER 188
NIKE INC CL B 654106103 986 19,901 SH DEFINED 19,901
NIKE INC CL B 654106103 35 700 SH OTHER 300 400
NORDSTROM INC COM 655664100 715 27,180 SH DEFINED 26,730 450
NORDSTROM INC COM 655664100 8 300 SH OTHER 300
NORFOLK SOUTHERN CORPORATION COM 655844108 762 37,181 SH DEFINED 37,181
NORFOLK SOUTHERN CORPORATION COM 655844108 536 26,156 SH OTHER 23,156 3,000
NORTEL NETWORKS CORP COM 656569100 21,003 207,955 SH DEFINED 207,350 605
NORTEL NETWORKS CORP COM 656569100 173 1,710 SH OTHER 1,710
NORTH FORK BANCORP INC N Y COM 659424105 521 30,000 SH DEFINED 30,000
NORTHERN TRUST CORP COM 665859104 1,156 21,810 SH DEFINED 19,010 2,800
NOVELL INC COM 670006105 823 20,600 SH DEFINED 19,800 800
NOVELL INC COM 670006105 4 100 SH OTHER 100
NUCOR CORP COM 670346105 146 2,672 SH DEFINED 1,947 725
NUCOR CORP COM 670346105 132 2,400 SH OTHER 1,600 800
NUVEEN PERF PLUS MUN FD INC COM 67062P108 147 12,650 SH DEFINED 12,650
NUVEEN PERF PLUS MUN FD INC COM 67062P108 14 1,202 SH OTHER 1,202
NUVEEN MUN VALUE FD INC COM 670928100 162 20,608 SH DEFINED 20,608
NUVEEN MUN VALUE FD INC COM 670928100 21 2,666 SH OTHER 2,666
NUVEEN TEX QUAL INCM MUN FD COM 670983105 595 49,800 SH DEFINED 49,800
OCCIDENTAL PETE CORP COM 674599105 444 20,546 SH DEFINED 20,546
OLD REPUBLIC INTL CORP COM 680223104 23 1,700 SH DEFINED 1,700
OLD REPUBLIC INTL CORP COM 680223104 1,185 86,944 SH OTHER 86,944
ORACLE CORPORATION COM 68389X105 25,492 227,479 SH DEFINED 222,914 225 4,340
ORACLE CORPORATION COM 68389X105 2,370 21,152 SH OTHER 6,330 5,175 9,647
OUTBACK STEAKHOUSE INC COM 689899102 635 24,500 SH DEFINED 24,500
PG&E CORP COM 69331C108 1,225 59,758 SH DEFINED 59,758
PG&E CORP COM 69331C108 69 3,367 SH OTHER 3,317 50
PE CORP COM PE BIO GR 69332S102 241 2,000 SH DEFINED 2,000
PE CORP COM PE BIO GR 69332S102 385 3,200 SH OTHER 3,200
PNC BANK CORPORATION COM 693475105 676 15,200 SH DEFINED 15,200
PNC BANK CORPORATION COM 693475105 288 6,476 SH OTHER 4,101 2,375
PPG INDUSTRIES INC COM 693506107 1,193 19,076 SH DEFINED 18,976 100
PPG INDUSTRIES INC COM 693506107 613 9,800 SH OTHER 9,800
PARK PL ENTMT CORP COM 700690100 116 9,244 SH DEFINED 9,244
PARK PL ENTMT CORP COM 700690100 13 1,000 SH OTHER 1,000
PARKER HANNIFIN CORP COM 701094104 269 5,235 SH DEFINED 5,235
PENNEY J C INC COM 708160106 357 17,885 SH DEFINED 17,485 400
PENNEY J C INC COM 708160106 44 2,213 SH OTHER 2,213
PEPSICO INC COM 713448108 14,931 423,577 SH DEFINED 420,557 3,020
PEPSICO INC COM 713448108 1,550 43,974 SH OTHER 33,470 2,300 8,204
PHARMACIA & UPJOHN INC COM 716941109 1,550 34,450 SH DEFINED 33,659 791
PHARMACIA & UPJOHN INC COM 716941109 191 4,250 SH OTHER 4,250
PFIZER INC COM 717081103 30,029 925,735 SH DEFINED 891,751 33,984
PFIZER INC COM 717081103 3,055 94,175 SH OTHER 65,700 1,800 26,675
PHELPS DODGE CORP COM 717265102 1,277 18,947 SH DEFINED 18,897 50
PHELPS DODGE CORP COM 717265102 56 825 SH OTHER 825
PHILIP MORRIS COS INC COM 718154107 5,605 243,695 SH DEFINED 240,555 1,400 1,740
PHILIP MORRIS COS INC COM 718154107 1,777 77,274 SH OTHER 71,624 5,650
PHILLIPS PETE CO COM 718507106 1,222 26,003 SH DEFINED 26,003
PHILLIPS PETE CO COM 718507106 44 930 SH OTHER 930
PIONEER NATURAL RESOURCES CO COM 723787107 483 54,000 SH DEFINED 54,000
PITNEY BOWES INC COM 724479100 2,370 49,045 SH DEFINED 48,145 900
PITNEY BOWES INC COM 724479100 628 13,000 SH OTHER 13,000
PITNEY BOWES INC PREF CV $2.12 724479308 160 200 SH DEFINED 200
PITNEY BOWES INC PREF CV $2.12 724479308 40 50 SH OTHER 50
PRECISION STD INC COM NEW 740327200 99 10,000 SH DEFINED 10,000
PROCTER & GAMBLE CO COM 742718109 50,346 459,521 SH DEFINED 452,246 300 6,975
PROCTER & GAMBLE CO COM 742718109 8,072 73,674 SH OTHER 50,774 3,900 19,000
PROGRESSIVE CORP OHIO COM 743315103 256 3,500 SH DEFINED 3,500
PROTECTIVE LIFE CORP COM 743674103 2,192 68,890 SH DEFINED 68,340 550
PROTECTIVE LIFE CORP COM 743674103 9,371 294,561 SH OTHER 290,895 3,010 656
PROVIDIAN FINL CORP COM 74406A102 1,230 13,511 SH DEFINED 13,511
PROVIDIAN FINL CORP COM 74406A102 944 10,370 SH OTHER 10,370
PUBLIC SVC ENTERPRISE GROUP INC COM 744573106 1,089 31,282 SH DEFINED 31,282
PUBLIC SVC ENTERPRISE GROUP INC COM 744573106 29 844 SH OTHER 94 750
PUTNAM INVT GRADE MUN TR COM 746805100 343 31,000 SH DEFINED 31,000
PUTNAM MANAGED MUN INCOME TR COM 746823103 349 42,949 SH DEFINED 41,500 1,449
PUTNAM PREMIER INCOME TR SH BEN INT 746853100 58 9,535 SH DEFINED 9,535
PUTNAM PREMIER INCOME TR SH BEN INT 746853100 8 1,263 SH OTHER 1,263
QUAKER OATS CO COM 747402105 861 13,119 SH DEFINED 9,719 3,400
QUAKER OATS CO COM 747402105 455 6,931 SH OTHER 6,035 896
QUALCOMM INC COM 747525103 11,779 66,880 SH DEFINED 66,880
QUESTAR CORP COM 748356102 147 9,800 SH DEFINED 9,800
QUESTAR CORP COM 748356102 15 1,000 SH OTHER 1,000
QWEST COMM INTL INC SAL 14 COM 749121109 6,427 149,463 SH DEFINED 122,933 26,530
QWEST COMM INTL INC SAL 14 COM 749121109 209 4,870 SH OTHER 3,670 1,200
RATIONAL SOFTWARE CORP COM NEW 75409P202 1,228 25,000 SH DEFINED 25,000
RAYTHEON CO CL B 755111408 1,254 47,210 SH DEFINED 47,160 50
RAYTHEON CO CL B 755111408 38 1,430 SH OTHER 630 800
REGIONS FINANCIAL CORP COM 758940100 118,041 4,698,172 SH DEFINED 3,877,296 11,495 809,381
REGIONS FINANCIAL CORP COM 758940100 55,653 2,215,062 SH OTHER 1,724,151 70,581 420,330
RELIANT ENERGY INC COM 75952J108 1,177 51,453 SH DEFINED 50,936 517
RELIANT ENERGY INC COM 75952J108 143 6,243 SH OTHER 1,747 4,496
RITE AID CORP COM 767754104 306 27,500 SH DEFINED 26,500 1,000
ROCKWELL INTL CORP NEW COM 773903109 1,288 26,912 SH DEFINED 26,912
ROCKWELL INTL CORP NEW COM 773903109 79 1,642 SH OTHER 1,642
ROSS STORES INC COM 778296103 251 14,000 SH DEFINED 14,000
ROYAL DUTCH PETROLEUM COMPANY NYREG GLD1.25 780257804 12,336 203,689 SH DEFINED 203,389 300
ROYAL DUTCH PETROLEUM COMPANY NYREG GLD1.25 780257804 1,386 22,884 SH OTHER 19,884 3,000
RUBY TUESDAY INC COM 781182100 3,503 192,575 SH DEFINED 192,163 412
RUBY TUESDAY INC COM 781182100 978 53,756 SH OTHER 48,756 5,000
RUSSELL CORP COM 782352108 79 4,705 SH DEFINED 4,705
RUSSELL CORP COM 782352108 1,261 75,272 SH OTHER 12,600 62,672
SBC COMMUNICATIONS INC NEW COM 78387G103 36,115 740,824 SH DEFINED 728,739 450 11,635
SBC COMMUNICATIONS INC NEW COM 78387G103 3,199 65,618 SH OTHER 54,051 8,009 3,558
SCI SYSTEMS INC COM 783890106 84 1,025 SH DEFINED 1,025
SCI SYSTEMS INC COM 783890106 164 2,000 SH OTHER 2,000
SLM HLDG CORP COM 78442A109 182 4,307 SH DEFINED 3,807 500
SLM HLDG CORP COM 78442A109 40 936 SH OTHER 936
SPDR TR UNIT SER 1 78462F103 5,037 34,297 SH DEFINED 34,297
SPDR TR UNIT SER 1 78462F103 294 2,000 SH OTHER 2,000
SABINE ROYALTY TRUST INTEREST UNIT BEN INT 785688102 135 10,010 SH DEFINED 10,010
SABINE ROYALTY TRUST INTEREST UNIT BEN INT 785688102 27 2,000 SH OTHER 2,000
SAFEWAY INC COM NEW 786514208 271 7,594 SH DEFINED 7,594
ST PAUL COS INC COM 792860108 375 11,132 SH DEFINED 10,782 350
ST PAUL COS INC COM 792860108 153 4,548 SH OTHER 4,548
SANMINA CORP COM 800907107 1,598 16,000 SH DEFINED 16,000
SARA LEE CORP COM 803111103 3,986 180,676 SH DEFINED 180,376 300
SARA LEE CORP COM 803111103 159 7,200 SH OTHER 7,200
SCANA CORP COM 805898103 1,372 51,056 SH DEFINED 49,654 1,402
SCANA CORP COM 805898103 262 9,765 SH OTHER 9,665 100
SCHERING-PLOUGH CORP COM 806605101 16,876 398,260 SH DEFINED 383,130 15,130
SCHERING-PLOUGH CORP COM 806605101 1,615 38,110 SH OTHER 22,090 8,620 7,400
SCHLUMBERGER LTD COM 806857108 10,149 180,836 SH DEFINED 161,141 19,695
SCHLUMBERGER LTD COM 806857108 1,187 21,140 SH OTHER 19,840 500 800
SCHWAB CHARLES CORP NEW COM 808513105 202 5,280 SH DEFINED 5,060 220
SEAGRAM LTD COM 811850106 1,208 27,000 SH DEFINED 27,000
SEAGRAM LTD COM 811850106 215 4,800 SH OTHER 4,800
SEARS ROEBUCK & CO COM 812387108 884 29,103 SH DEFINED 29,103
SEARS ROEBUCK & CO COM 812387108 254 8,346 SH OTHER 5,971 2,375
SEPRACOR INC COM 817315104 1,984 20,000 SH DEFINED 20,000
SERVICEMASTER CO COM 81760N109 303 24,611 SH DEFINED 24,611
SHELL TRANS & TRADING PLC SH NEW YRK SH 822703609 191 3,900 SH DEFINED 3,675 225
SHELL TRANS & TRADING PLC SH NEW YRK SH 822703609 470 9,600 SH OTHER 9,600
SIEBEL SYS INC COM 826170102 3,207 38,180 SH DEFINED 38,000 180
SMITHKLINE BEECHAM P L C ADR REP ORD 832378301 913 14,240 SH DEFINED 14,200 40
SMITHKLINE BEECHAM P L C ADR REP ORD 832378301 14 215 SH OTHER 90 125
SOLECTRON CORP COM 834182107 304 3,200 SH OTHER 3,200
SONOCO PRODUCTS CO COM 835495102 105 4,620 SH DEFINED 4,620
SONOCO PRODUCTS CO COM 835495102 800 35,162 SH OTHER 462 34,700
SOUTH ALABAMA BANCORPORATION COM 836234104 288 23,605 SH DEFINED 21,605 2,000
SOUTHERN CO COM 842587107 9,603 408,641 SH DEFINED 392,135 308 16,198
SOUTHERN CO COM 842587107 2,333 99,262 SH OTHER 83,613 3,779 11,870
SOUTHTRUST CORP COM 844730101 5,555 146,905 SH DEFINED 138,930 435 7,540
SOUTHTRUST CORP COM 844730101 4,714 124,657 SH OTHER 112,235 401 12,021
SOUTHWEST AIRLINES CO COM 844741108 1,471 91,255 SH DEFINED 89,740 1,515
SOUTHWEST AIRLINES CO COM 844741108 108 6,725 SH OTHER 4,125 2,600
SOUTHWESTERN ENERGY CO COM 845467109 82 12,536 SH OTHER 1,536 11,000
SOVEREIGN BANCORP INC COM 845905108 179 24,000 SH DEFINED 24,000
SPRINT CORP COM FON GRP 852061100 7,885 117,138 SH DEFINED 117,138
SPRINT CORP COM FON GRP 852061100 673 9,998 SH OTHER 9,862 136
SPRINT CORP PCS COM SER1 852061506 4,530 44,197 SH DEFINED 44,197
SPRINT CORP PCS COM SER1 852061506 183 1,781 SH OTHER 1,747 34
STARBUCKS CORP COM 855244109 582 24,000 SH DEFINED 24,000
STATE STR CORP COM 857477103 913 12,500 SH DEFINED 12,500
STATE STR CORP COM 857477103 585 8,000 SH OTHER 8,000
STERLING BANCSHARES INC COM 858907108 479 42,822 SH DEFINED 42,822
SUN MICROSYSTEMS INC COM 866810104 34,494 445,442 SH DEFINED 433,077 12,365
SUN MICROSYSTEMS INC COM 866810104 1,553 20,050 SH OTHER 14,050 6,000
SUNTRUST BANKS INC COM 867914103 4,503 65,440 SH DEFINED 45,440 20,000
SUNTRUST BANKS INC COM 867914103 1,281 18,614 SH OTHER 17,714 900
SYMBOL TECHNOLOGIES INC COM 871508107 1,271 20,000 SH DEFINED 20,000
SYNOPSYS INC COM 871607107 1,469 22,000 SH DEFINED 22,000
SYNOVUS FINANCIAL CORP COM 87161C105 1,347 67,794 SH DEFINED 42,283 450 25,061
SYNOVUS FINANCIAL CORP COM 87161C105 4,433 223,038 SH OTHER 219,118 505 3,415
SYSCO CORP COM 871829107 2,842 71,848 SH DEFINED 71,018 830
SYSCO CORP COM 871829107 562 14,200 SH OTHER 13,800 400
TCBY ENTERPRISES INC COM 872245105 1,371 359,667 SH DEFINED 3,350 356,317
TECO ENERGY INC COM 872375100 311 16,740 SH DEFINED 16,740
TECO ENERGY INC COM 872375100 365 19,648 SH OTHER 18,648 1,000
TRW INC COM 872649108 962 18,516 SH DEFINED 18,391 125
TRW INC COM 872649108 31 600 SH OTHER 600
TANDY CORP COM 875382103 503 10,230 SH DEFINED 10,230
TANDY CORP COM 875382103 339 6,900 SH OTHER 6,900
TELEFONICA S. A. SPONSORED ADR 879382208 847 10,753 SH DEFINED 10,753
TELLABS INC COM 879664100 18,281 284,811 SH DEFINED 275,051 9,760
TELLABS INC COM 879664100 600 9,350 SH OTHER 1,450 7,900
TERADYNE INC COM 880770102 1,320 20,000 SH DEFINED 20,000
TEXACO INC COM 881694103 10,504 193,396 SH DEFINED 183,241 1,403 8,752
TEXACO INC COM 881694103 798 14,695 SH OTHER 12,053 1,850 792
TEXAS INSTRUMENTS INC COM 882508104 13,159 136,184 SH DEFINED 135,984 200
TEXAS INSTRUMENTS INC COM 882508104 792 8,200 SH OTHER 8,000 200
TEXAS UTILITIES CO COM 882848104 1,739 48,900 SH DEFINED 48,884 16
TEXAS UTILITIES CO COM 882848104 103 2,901 SH OTHER 2,901
TEXTRON INC COM 883203101 608 7,924 SH DEFINED 7,924
TEXTRON INC COM 883203101 690 9,000 SH OTHER 9,000
TIFFANY & CO NEW COM COM 886547108 536 6,000 SH DEFINED 6,000
TIME WARNER INC COM 887315109 491 6,794 SH DEFINED 5,714 1,080
TIME WARNER INC COM 887315109 26 360 SH OTHER 160 200
TORCHMARK CORP COM 891027104 4,613 158,717 SH DEFINED 146,153 12,564
TORCHMARK CORP COM 891027104 9,078 312,346 SH OTHER 306,468 1,394 4,484
TRI-CONTINENTAL CORP COM 895436103 206 7,404 SH DEFINED 7,404
TRICON GLOBAL RESTAURANTS COM 895953107 1,332 34,491 SH DEFINED 7,420 27,071
TRICON GLOBAL RESTAURANTS COM 895953107 49 1,270 SH OTHER 860 400 10
TRIBUNE CO NEW COM 896047107 1,101 20,000 SH DEFINED 20,000
TRIZEC HAHN CORPORATION SUB VTG 896938107 1,196 70,900 SH DEFINED 70,900
TRUSTMARK CORP COM 898402102 836 38,710 SH DEFINED 38,710
TYCO INTL LTD NEW COM 902124106 13,563 347,766 SH DEFINED 330,416 1,500 15,850
TYCO INTL LTD NEW COM 902124106 1,545 39,620 SH OTHER 36,220 3,400
TYSON FOODS INC CL A 902494103 1,334 82,100 SH DEFINED 82,100
UST INC COM 902911106 1,140 45,250 SH DEFINED 45,150 100
UST INC COM 902911106 60 2,400 SH OTHER 2,400
US BANCORP DEL COM 902973106 1,066 44,767 SH DEFINED 44,767
UNICOM CORPORATION COM 904911104 1,177 35,130 SH DEFINED 34,530 600
UNICOM CORPORATION COM 904911104 33 979 SH OTHER 200 779
UNION PACIFIC CORP COM 907818108 2,560 58,603 SH DEFINED 58,603
UNION PACIFIC CORP COM 907818108 225 5,157 SH OTHER 3,835 316 1,006
UNION PAC RES GROUP INC COM 907834105 277 21,721 SH DEFINED 21,721
UNION PAC RES GROUP INC COM 907834105 17 1,321 SH OTHER 1,321
UNION PLANTERS CORP COM 908068109 2,263 57,390 SH DEFINED 57,190 200
UNION PLANTERS CORP COM 908068109 5,790 146,824 SH OTHER 34,749 36,213 75,862
UNITED HEALTHCARE CORP COM 910581107 427 8,029 SH DEFINED 8,029
U S WEST INC NEW COM 91273H101 980 13,614 SH DEFINED 13,023 591
U S WEST INC NEW COM 91273H101 360 4,997 SH OTHER 4,079 630 288
UNITED TECHNOLOGIES CORP COM 913017109 2,781 42,779 SH DEFINED 42,719 60
UNITED TECHNOLOGIES CORP COM 913017109 906 13,932 SH OTHER 12,532 1,400
UNOCAL CORP COM 915289102 842 25,098 SH DEFINED 25,098
V F CORP COM 918204108 1,938 64,598 SH DEFINED 64,448 150
V F CORP COM 918204108 432 14,400 SH OTHER 14,400
VALUEVISION INTL INC CL A 92047K107 1,146 20,000 SH DEFINED 20,000
VAN KAMPEN MUNICIPAL OPPORT TR COM 920944105 117 10,050 SH OTHER 3,350 6,700
VENATOR GROUP INC COM 922944103 90 12,800 SH DEFINED 12,800
VERITAS SOFTWARE CO COM 923436109 7,156 50,000 SH DEFINED 50,000
VIACOM INC CL B 925524308 3,053 50,512 SH DEFINED 45,834 4,678
VIACOM INC CL B 925524308 12 200 SH OTHER 200
VIAD CORP COM 92552R109 821 29,438 SH DEFINED 29,438
VIAD CORP COM 92552R109 72 2,600 SH OTHER 2,600
VISIONAMERICA INC COM 92832C104 30 10,000 SH DEFINED 10,000
VITESSE SEMICONDUCTOR CORP COM 928497106 1,573 30,000 SH DEFINED 30,000
VODAFONE AIRTOUCH PLC SPONSORED ADR 92857T107 1,172 23,670 SH DEFINED 21,280 2,390
VODAFONE AIRTOUCH PLC SPONSORED ADR 92857T107 503 10,165 SH OTHER 6,755 3,410
VULCAN MATERIALS CO COM 929160109 11,840 296,458 SH DEFINED 295,810 648
VULCAN MATERIALS CO COM 929160109 5,687 142,386 SH OTHER 78,726 600 63,060
WACHOVIA CORP COM 929771103 2,101 30,903 SH DEFINED 30,418 360 125
WACHOVIA CORP COM 929771103 546 8,032 SH OTHER 5,736 240 2,056
WADDELL & REED FINL INC CL A 930059100 97 3,574 SH DEFINED 3,574
WADDELL & REED FINL INC CL A 930059100 355 13,092 SH OTHER 12,813 33 246
WADDELL & REED FINL INC CL B 930059209 387 15,423 SH DEFINED 15,423
WADDELL & REED FINL INC CL B 930059209 1,392 55,388 SH OTHER 54,184 145 1,059
WAL MART STORES INC COM 931142103 69,085 999,427 SH DEFINED 986,185 300 12,942
WAL MART STORES INC COM 931142103 7,950 115,012 SH OTHER 82,498 32,514
WALGREEN CO COM 931422109 3,939 134,650 SH DEFINED 134,350 300
WARNER LAMBERT CO COM 934488107 9,519 116,177 SH DEFINED 115,202 250 725
WARNER LAMBERT CO COM 934488107 570 6,953 SH OTHER 6,753 200
WASHINGTON MUTUAL INC COM 939322103 983 38,009 SH DEFINED 37,899 110
WASHINGTON MUTUAL INC COM 939322103 33 1,258 SH OTHER 1,258
WASHINGTON POST CO CL B 939640108 667 1,200 SH DEFINED 1,200
WASTE MANAGEMENT COM COM 94106L109 1,572 91,464 SH DEFINED 5,664 85,800
WASTE MANAGEMENT COM COM 94106L109 9 507 SH OTHER 507
WAVO CORP COM 944027101 39 10,000 SH DEFINED 10,000
WEATHERFORD INTL INC NEW COM 947074100 527 13,200 SH DEFINED 13,200
WELLS FARGO & CO NEW COM 949746101 7,039 174,068 SH DEFINED 173,668 400
WELLS FARGO & CO NEW COM 949746101 841 20,800 SH OTHER 14,600 1,200 5,000
WESTWOOD ONE INC COM 961815107 1,216 16,000 SH DEFINED 16,000
WEYERHAEUSER CO COM 962166104 1,275 17,751 SH DEFINED 17,585 116 50
WEYERHAEUSER CO COM 962166104 101 1,404 SH OTHER 1,404
WILLIAMS COS INC COM 969457100 869 28,428 SH DEFINED 18,848 9,580
WILLIAMS COS INC COM 969457100 12 400 SH OTHER 400
WILMINGTON TR CORP COM 971807102 290 6,000 SH DEFINED 6,000
WIND RIV SYS INC COM 973149107 586 16,000 SH DEFINED 16,000
WINN DIXIE STORES INC COM 974280109 61 2,550 SH DEFINED 2,550
WINN DIXIE STORES INC COM 974280109 157 6,574 SH OTHER 6,574
WISCONSIN ENERGY CORP COM 976657106 535 27,805 SH DEFINED 26,755 1,050
WISCONSIN ENERGY CORP COM 976657106 35 1,811 SH OTHER 1,811
WRIGLEY WM JR CO COM 982526105 3,224 38,872 SH DEFINED 38,872
WRIGLEY WM JR CO COM 982526105 552 6,650 SH OTHER 6,650
XEROX CORP COM 984121103 754 33,242 SH DEFINED 26,317 1,200 5,725
XEROX CORP COM 984121103 248 10,950 SH OTHER 9,850 1,100
YAHOO INC COM 984332106 13,346 30,844 SH DEFINED 29,285 1,559
YAHOO INC COM 984332106 87 200 SH OTHER 200
ZIONS BANCORPORATION COM 989701107 710 12,000 SH DEFINED 12,000
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