<PAGE>
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
Form 13F COVER PAGE
Report for the Quarter Ended: June 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 August 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
<PAGE>
Form 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 821
Form 13F Information Table Value Total: $3,222,696(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
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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 2,861
108,725 SH DEFINED 88,875
19,850
GLOBAL CROSSING LTD COM G3921A100 215
8,170 SH OTHER 7,925 245
HILFIGER TOMMY CORP ORD G8915Z102 600
80,000 SH DEFINED 80,000
TRANSOCEAN SEDCO FOREX INC ORD G90078109 908
16,988 SH DEFINED 16,696
292
TRANSOCEAN SEDCO FOREX INC ORD G90078109 89
1,668 SH OTHER 1,553 96
19
AFLAC INC COM 001055102 11,520
250,773 SH DEFINED 246,683
4,090
AFLAC INC COM 001055102 177
3,855 SH OTHER 1,005 850
2,000
AGL RES INC COM 001204106 117
7,318 SH DEFINED 7,318
AGL RES INC COM 001204106 269
16,872 SH OTHER 12,900 2,972
1,000
AES CORP COM 00130H105 1,574
34,508 SH DEFINED 34,400
108
AMR CORP DEL COM 001765106 319
12,082 SH DEFINED 11,975
107
AMR CORP DEL COM 001765106 41
1,540 SH OTHER 1,540
A T & T CORP COM 001957109 12,918
406,082 SH DEFINED 375,212 957
29,913
A T & T CORP COM 001957109 2,138
67,223 SH OTHER 54,710 3,995
8,518
ABBOTT LABORATORIES COM 002824100 11,865
266,261 SH DEFINED 265,256
1,005
ABBOTT LABORATORIES COM 002824100 1,482
33,252 SH OTHER 16,881
16,371
ABERCROMBIE & FITCH CO CLASS A CL A 002896207 1,057
86,708 SH DEFINED 86,608
100
ACXIOM CORP COM 005125109 168
6,163 SH DEFINED 6,163
ACXIOM CORP COM 005125109 89
3,250 SH OTHER 250 800
2,200
ADTRAN INC COM 00738A106 766
12,800 SH DEFINED 12,600
200
ADVANCED MICRO DEVICES INC COM 007903107 232
3,000 SH DEFINED 3,000
AEGON N V ORD AMER REG 007924103 775
21,768 SH DEFINED 21,768
AEGON N V ORD AMER REG 007924103 710
19,941 SH OTHER 11,949
7,992
AETNA INC COM 008117103 936
14,584 SH DEFINED 7,584
7,000
AETNA INC COM 008117103 58
900 SH OTHER 900
AGILENT TECHNOLOGIES INC COM 00846U101 2,403
32,579 SH DEFINED 32,255
324
AGILENT TECHNOLOGIES INC COM 00846U101 530
7,187 SH OTHER 6,545 114
528
AIR PRODUCTS & CHEMICALS INC COM 009158106 659
21,257 SH DEFINED 19,975
1,282
AIR PRODUCTS & CHEMICALS INC COM 009158106 98
3,176 SH OTHER 2,176
1,000
AKZO NOBEL N. V. ADR SPONSORED ADR 010199305 214
5,096 SH DEFINED 5,096
ALBERTSONS INC COM 013104104 909
27,327 SH DEFINED 26,964
363
ALBERTSONS INC COM 013104104 20
600 SH OTHER 200
400
ALCOA INC COM 013817101 2,373
81,814 SH DEFINED 81,430
384
ALCOA INC COM 013817101 173
5,972 SH OTHER 5,240
732
ALEXANDER & BALDWIN INC COM COM 014482103 834
37,800 SH DEFINED
37,800
ALFA CORP COM 015385107 810
46,314 SH DEFINED 20,314
26,000
ALFA CORP COM 015385107 12
698 SH OTHER 698
ALLEGHENY ENERGY INC COM 017361106 177
6,310 SH DEFINED 6,310
ALLEGHENY ENERGY INC COM 017361106 39
1,400 SH OTHER 600
800
ALLIANCE CAP MGMT HLDG L P UNIT LTD PARTN 01855A101 576
12,150 SH DEFINED 12,150
ALLIANCE CAP MGMT HLDG L P UNIT LTD PARTN 01855A101 47
1,000 SH OTHER 1,000
ALLIED WASTE INDS INC COM PAR$.O1NEW 019589308 1,025
100,000 SH DEFINED 100,000
ALLSTATE CORP COM 020002101 2,562
115,144 SH DEFINED 112,994
2,150
ALLSTATE CORP COM 020002101 481
21,602 SH OTHER 16,280 5,322
ALLTEL CORP COM 020039103 11,975
193,331 SH DEFINED 192,781
550
ALLTEL CORP COM 020039103 625
10,095 SH OTHER 10,079 16
AMEREN CORP COM 023608102 242
7,183 SH DEFINED 7,183
AMERICA ONLINE INC DEL COM 02364J104 23,286
442,498 SH DEFINED 419,369 400
22,729
AMERICA ONLINE INC DEL COM 02364J104 773
14,689 SH OTHER 12,485 1,504
700
AMERICAN EAGLE OUTFITTERS IN COM 02553E106 280
20,000 SH DEFINED 20,000
AMERICAN ELECTRIC POWER INC COM 025537101 736
24,843 SH DEFINED 24,543
300
AMERICAN ELECTRIC POWER INC COM 025537101 48
1,636 SH OTHER 1,315 60
261
AMERICAN EXPRESS CO COM 025816109 16,585
318,186 SH DEFINED 307,546
10,640
AMERICAN EXPRESS CO COM 025816109 2,198
42,165 SH OTHER 29,451 1,500
11,214
AMERICAN GENERAL CORP COM 026351106 2,747
45,025 SH DEFINED 44,950
75
AMERICAN GENERAL CORP COM 026351106 220
3,600 SH OTHER 3,300 150
150
AMERICAN GREETINGS CORP CL A CL A 026375105 314
16,500 SH DEFINED 11,100
5,400
AMERICAN HOME PRODUCTS CORP COM 026609107 34,331
584,361 SH DEFINED 557,370
26,991
AMERICAN HOME PRODUCTS CORP COM 026609107 8,334
141,850 SH OTHER 134,134 2,586
5,130
AMERICAN INTL GROUP INC COM 026874107 48,290
410,977 SH DEFINED 405,065
5,912
AMERICAN INTL GROUP INC COM 026874107 2,139
18,201 SH OTHER 12,812 679
4,710
AMERICAN PWR CONVERSION CORP COM 029066107 302
7,400 SH DEFINED 7,400
AMERICAN STD COS INC DEL COM 029712106 820
20,000 SH DEFINED 20,000
AMGEN INC COM 031162100 15,486
220,441 SH DEFINED 219,176
1,265
AMGEN INC COM 031162100 264
3,757 SH OTHER 2,853 369
535
AMSOUTH BANCORPORATION COM 032165102 8,322
528,357 SH DEFINED 474,398
53,959
AMSOUTH BANCORPORATION COM 032165102 5,276
334,973 SH OTHER 234,639 5,000
95,334
ANALOG DEVICES INC COM 032654105 1,368
18,000 SH DEFINED 18,000
ANHEUSER BUSCH COS INC COM 035229103 5,670
75,922 SH DEFINED 75,313
609
ANHEUSER BUSCH COS INC COM 035229103 863
11,560 SH OTHER 10,180 380
1,000
AON CORP COM 037389103 1,434
46,175 SH DEFINED 11,175
35,000
APPLIED MATLS INC COM 038222105 655
7,225 SH DEFINED 6,185
1,040
ASSOCIATES FIRST CAP CORP CL A 046008108 1,202
53,888 SH DEFINED 53,810
78
ASSOCIATES FIRST CAP CORP CL A 046008108 79
3,540 SH OTHER 3,318 26
196
ASTRAZENECA PLC SPONSORED ADR 046353108 279
6,000 SH DEFINED 6,000
ATMEL CORP COM 049513104 1,860
50,450 SH DEFINED 50,450
ATMEL CORP COM 049513104 2
50 SH OTHER 50
AUBURN NATIONAL BANCORPORATION COM 050473107 1
100 SH DEFINED 100
AUBURN NATIONAL BANCORPORATION COM 050473107 604
50,310 SH OTHER 50,310
AUTOMATIC DATA PROCESSING INC COM 053015103 7,650
142,822 SH DEFINED 138,172
4,650
AUTOMATIC DATA PROCESSING INC COM 053015103 1,158
21,626 SH OTHER 13,880 2,946
4,800
AVERY DENNISON CORP COM 053611109 104
1,554 SH DEFINED 1,554
AVERY DENNISON CORP COM 053611109 107
1,600 SH OTHER 1,400 200
AVNET INC COM 053807103 918
15,500 SH DEFINED 15,200
300
AVNET INC COM 053807103 6
100 SH OTHER
100
AVON PRODS INC COM 054303102 589
13,243 SH DEFINED 12,993
250
BB&T CORP COM 054937107 361
15,100 SH DEFINED 15,100
BJS WHSL CLUB INC COM 05548J106 1,056
32,000 SH DEFINED 32,000
BP AMOCO PLC ADS SPONSORED ADR 055622104 15,675
276,830 SH DEFINED 268,454 787
7,589
BP AMOCO PLC ADS SPONSORED ADR 055622104 4,018
70,957 SH OTHER 58,730 11,791
436
BMC SOFTWARE INC COM 055921100 2,875
78,790 SH DEFINED 77,590
1,200
BMC SOFTWARE INC COM 055921100 4
100 SH OTHER 100
BAKER HUGHES INC COM 057224107 911
28,491 SH DEFINED 27,891
600
BAKER HUGHES INC COM 057224107 3
106 SH OTHER 106
BANK AMER CORP COM 060505104 10,269
236,739 SH DEFINED 226,357
10,382
BANK AMER CORP COM 060505104 13,209
304,540 SH OTHER 289,527 14,013
1,000
BANK NEW YORK INC COM 064057102 3,421
73,567 SH DEFINED 73,387
180
BANK NEW YORK INC COM 064057102 579
12,460 SH OTHER 12,060
400
BANK ONE CORP COM 06423A103 476
17,924 SH DEFINED 16,458
1,466
BANK ONE CORP COM 06423A103 354
13,310 SH OTHER 8,060 3,550
1,700
BARRICK GOLD CORP COM 067901108 2,344
128,855 SH DEFINED 128,025
830
BARRICK GOLD CORP COM 067901108 18
1,000 SH OTHER 1,000
BAUSCH & LOMB INC COM 071707103 130
1,678 SH DEFINED 1,528
150
BAUSCH & LOMB INC COM 071707103 121
1,564 SH OTHER 1,564
BAXTER INTERNATIONAL INC COM 071813109 1,597
22,709 SH DEFINED 22,619
90
BAXTER INTERNATIONAL INC COM 071813109 363
5,159 SH OTHER 3,995 940
224
BEAR STEARNS COS INC COM 073902108 439
10,548 SH DEFINED 10,548
BEAR STEARNS COS INC COM 073902108 49
1,177 SH OTHER 1,177
BECTON DICKINSON & CO COM 075887109 281
9,800 SH DEFINED 9,800
BECTON DICKINSON & CO COM 075887109 33
1,148 SH OTHER 1,008 140
BELL ATLANTIC CORP COM 077853109 15,528
304,851 SH DEFINED 281,039
23,812
BELL ATLANTIC CORP COM 077853109 1,963
38,529 SH OTHER 27,761 6,536
4,232
BELLSOUTH CORP COM 079860102 17,945
420,996 SH DEFINED 406,486 450
14,060
BELLSOUTH CORP COM 079860102 6,140
144,042 SH OTHER 119,634 11,560
12,848
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 484 9 SH DEFINED
7 2
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 1,076
20 SH OTHER
20
BERKSHIRE HATHAWAY INC DEL CL B 084670207 1,549
880 SH DEFINED 875 5
BERKSHIRE HATHAWAY INC DEL CL B 084670207 444
252 SH OTHER 247 5
BEST BUY INC COM 086516101 247
3,900 SH DEFINED 3,550
350
BEST BUY INC COM 086516101 22
340 SH OTHER
340
BESTFOODS COM 08658U101 3,377
48,764 SH DEFINED 47,860
904
BESTFOODS COM 08658U101 1,233
17,808 SH OTHER 11,308 1,400
5,100
BIOCRYST PHARMACEUTICALS INC COM 09058V103 138
4,800 SH DEFINED 4,800
BIOCRYST PHARMACEUTICALS INC COM 09058V103 3,157
110,054 SH OTHER 2,000
108,054
BIOGEN INC COM 090597105 1,287
19,949 SH DEFINED 19,925
24
BIOGEN INC COM 090597105 3
50 SH OTHER 50
BLACKROCK INSD MUN TERM TR INC COM 092474105 250
25,000 SH DEFINED 25,000
BLOUNT INTL INC NEW COM 095180105 91
11,796 SH DEFINED 11,796
BLOUNT INTL INC NEW COM 095180105 368
47,851 SH OTHER
47,851
BOCA RESH INC COM 096888102 53
10,000 SH OTHER 10,000
BOEING CO COM 097023105 3,455
82,638 SH DEFINED 81,730
908
BOEING CO COM 097023105 7,754
185,440 SH OTHER 182,952
2,488
BOSTON SCIENTIFIC CORP COM 101137107 285
13,000 SH OTHER
13,000
BRISTOL MYERS SQUIBB CO COM 110122108 45,141
774,956 SH DEFINED 745,588 500
28,868
BRISTOL MYERS SQUIBB CO COM 110122108 7,848
134,733 SH OTHER 109,956 6,277
18,500
BROADWING INC COM 111620100 1,679
64,435 SH DEFINED 64,435
BURLINGTON NORTHN SANTA FE CORP COM 12189T104 3,253
139,927 SH DEFINED 139,927
BURLINGTON NORTHN SANTA FE CORP COM 12189T104 265
11,394 SH OTHER 7,119 4,275
BURLINGTON RESOURCES INC COM 122014103 1,433
37,458 SH DEFINED 34,862
2,596
BURLINGTON RESOURCES INC COM 122014103 216
5,640 SH OTHER 3,486 2,154
CIGNA CORP COM 125509109 963
10,300 SH DEFINED 10,300
CIGNA CORP COM 125509109 205
2,196 SH OTHER
2,196
CSX CORP COM 126408103 175
8,240 SH DEFINED 8,240
CSX CORP COM 126408103 134
6,320 SH OTHER 5,920
400
CADENCE DESIGN SYS INC COM 127387108 1,508
74,000 SH DEFINED 74,000
CALPINE CORP COM 131347106 2,860
44,000 SH DEFINED 44,000
CAMPBELL SOUP CO COM 134429109 256
8,800 SH DEFINED 8,200 600
CAMPBELL SOUP CO COM 134429109 41
1,400 SH OTHER 800
600
CANADIAN PACIFIC LTD COM 135923100 1,388
53,000 SH DEFINED 2,000
51,000
CARNIVAL CORP COM 143658102 578
29,650 SH DEFINED 29,650
CAROLINA POWER & LIGHT CO COM 144141108 93
2,774 SH DEFINED 2,766 8
CAROLINA POWER & LIGHT CO COM 144141108 126
3,748 SH OTHER 348
3,400
CATELLUS DEV CORP COM 149111106 1,067
71,136 SH DEFINED 136
71,000
CATERPILLAR INC COM 149123101 1,029
30,367 SH DEFINED 29,767
600
CATERPILLAR INC COM 149123101 159
4,702 SH OTHER 4,702
CENTURYTEL INC COM 156700106 701
24,395 SH DEFINED 17,168
7,227
CENTURYTEL INC COM 156700106 27
945 SH OTHER 945
CHASE MANHATTAN CORP NEW COM 16161A108 6,622
143,760 SH DEFINED 143,010
750
CHASE MANHATTAN CORP NEW COM 16161A108 163
3,549 SH OTHER 3,549
CHECKFREE HLDGS CORP COM 162816102 516
10,000 SH DEFINED 10,000
CHEVRON CORP COM 166751107 13,927
163,970 SH DEFINED 162,714
1,256
CHEVRON CORP COM 166751107 3,155
37,149 SH OTHER 28,808 3,581
4,760
CHIRON CORP COM 170040109 3,546
74,650 SH DEFINED 74,650
CHIRON CORP COM 170040109 48
1,000 SH OTHER 1,000
CHUBB CORP COM 171232101 622
10,110 SH DEFINED 10,110
CIRCUIT CITY STORES GROUP CIRCT CITY GRP 172737108 1,909
57,519 SH DEFINED 56,793
726
CIRCUIT CITY STORES GROUP CIRCT CITY GRP 172737108 452
13,624 SH OTHER 1,736 288
11,600
CISCO SYS INC COM 17275R102 83,001
1,305,816 SH DEFINED 1,256,355 750
48,711
CISCO SYS INC COM 17275R102 3,295
51,841 SH OTHER 39,983 6,988
4,870
CITIGROUP INC COM 172967101 27,819
460,297 SH DEFINED 436,776
23,521
CITIGROUP INC COM 172967101 4,888
80,876 SH OTHER 70,442 2,409
8,025
CLEAR CHANNEL COMMUNICATIONS COM 184502102 900
12,000 SH DEFINED 12,000
CLOROX CO COM 189054109 4,704
104,975 SH DEFINED 88,895
16,080
CLOROX CO COM 189054109 418
9,330 SH OTHER 4,855 3,051
1,424
COCA COLA CO COM 191216100 105,488
1,836,563 SH DEFINED 1,787,074 850
48,639
COCA COLA CO COM 191216100 104,587
1,820,863 SH OTHER 1,745,586 53,127
22,150
COCA COLA ENTERPRISES INC COM 191219104 3,506
214,933 SH DEFINED 47,181
167,752
COCA COLA ENTERPRISES INC COM 191219104 35,626
2,183,890 SH OTHER 2,183,890
COLGATE PALMOLIVE CO COM 194162103 11,561
193,093 SH DEFINED 188,175
4,918
COLGATE PALMOLIVE CO COM 194162103 16,538
276,208 SH OTHER 272,608 1,600
2,000
COLONIAL BANCGROUP INC COM 195493309 163
18,166 SH DEFINED 14,166
4,000
COLONIAL BANCGROUP INC COM 195493309 115
12,784 SH OTHER 12,784
COLONIAL PPTYS TR COM SH BEN INT 195872106 161
5,885 SH DEFINED 5,885
COLONIAL PPTYS TR COM SH BEN INT 195872106 331
12,100 SH OTHER 11,100
1,000
COMDISCO INC COM 200336105 982
44,000 SH DEFINED 44,000
COMERICA INC COM 200340107 314
7,000 SH DEFINED 7,000
COMPASS BANCSHARES, INC. COM 20449H109 1,832
107,370 SH DEFINED 99,651
7,719
COMPASS BANCSHARES, INC. COM 20449H109 1,807
105,905 SH OTHER 105,905
COMPAQ COMPUTER CORP COM 204493100 3,579
139,996 SH DEFINED 136,446 200
3,350
COMPAQ COMPUTER CORP COM 204493100 708
27,711 SH OTHER 27,511 200
COMPUTER ASSOC INTL INC COM 204912109 3,688
72,050 SH DEFINED 71,800
250
COMPUTER ASSOC INTL INC COM 204912109 46
900 SH OTHER 900
COMPUTER SCIENCES CORP COM 205363104 3,073
41,150 SH DEFINED 40,050
1,100
COMPUTER SCIENCES CORP COM 205363104 45
600 SH OTHER 100 100
400
COMVERSE TECHNOLOGY INC COM 205862402 108
1,160 SH DEFINED 1,040
120
COMVERSE TECHNOLOGY INC COM 205862402 279
3,000 SH OTHER 3,000
CONAGRA INC COM 205887102 602
31,600 SH DEFINED 31,600
CONAGRA INC COM 205887102 228
11,962 SH OTHER 11,562 200
200
CONCORD EFS INC COM 206197105 806
31,000 SH DEFINED 31,000
CONEXANT SYS INC COM 207142100 806
16,568 SH DEFINED 16,568
CONEXANT SYS INC COM 207142100 142
2,914 SH OTHER 1,466
1,448
CONOCO INC COM 208251405 1,829
74,465 SH DEFINED 74,265
200
CONOCO INC COM 208251405 87
3,562 SH OTHER 3,562
CONSOLIDATED EDISON INC COM 209115104 996
33,618 SH DEFINED 33,618
CONSOLIDATED EDISON INC COM 209115104 75
2,540 SH OTHER 2,540
CONVERGYS CORP COM 212485106 2,689
51,835 SH DEFINED 51,835
COOPER CAMERON CORP COM 216640102 1,461
22,139 SH DEFINED 21,139
1,000
COOPER CAMERON CORP COM 216640102 41
625 SH OTHER 325
300
CORNING INC COM 219350105 20,286
75,168 SH DEFINED 74,225
943
CORNING INC COM 219350105 1,203
4,456 SH OTHER 4,056 400
COSTCO WHSL CORP COM 22160K105 1,084
32,862 SH DEFINED 32,690
172
COSTCO WHSL CORP COM 22160K105 350
10,600 SH OTHER 300
10,300
CROSS TIMBERS OIL CO COM 227573102 311
14,050 SH DEFINED 14,050
CROWN CORK & SEAL INC COM 228255105 738
49,200 SH DEFINED 49,200
CROWN CORK & SEAL INC COM 228255105 22
1,450 SH OTHER
1,450
CYPRESS SEMICONDUCTOR CORP COM 232806109 1,019
24,112 SH DEFINED 24,000
112
DANA CORP COM 235811106 220
10,388 SH DEFINED 10,388
DANA CORP COM 235811106 19
920 SH OTHER 920
DEERE & CO COM 244199105 639
17,260 SH DEFINED 17,135
125
DEERE & CO COM 244199105 144
3,900 SH OTHER 2,400 1,500
DELHAIZE AMER INC CL B 246688204 175
11,358 SH DEFINED 11,292
66
DELL COMPUTER CORP COM 247025109 22,804
462,431 SH DEFINED 447,280
15,151
DELL COMPUTER CORP COM 247025109 1,514
30,709 SH OTHER 16,371 3,838
10,500
DELPHI AUTOMOTIVE SYS CORP COM 247126105 580
39,825 SH DEFINED 39,717
108
DELPHI AUTOMOTIVE SYS CORP COM 247126105 119
8,138 SH OTHER 6,891 1,247
DELTA AIR LINES INC COM 247361108 723
14,290 SH DEFINED 14,290
DELTA AIR LINES INC COM 247361108 661
13,072 SH OTHER 5,688 84
7,300
DELTIC TIMBER CORP COM 247850100 393
18,386 SH DEFINED 18,386
DELTIC TIMBER CORP COM 247850100 33
1,546 SH OTHER 1,546
DIAL CORP NEW COM COM 25247D101 2,926
287,235 SH DEFINED 255,286 500
31,449
DIAL CORP NEW COM COM 25247D101 378
37,147 SH OTHER 33,767 1,626
1,754
DIAMOND OFFSHORE DRILLNG INC COM COM 25271C102 1,157
32,935 SH DEFINED 32,935
DIAMOND OFFSHORE DRILLNG INC COM COM 25271C102 4
100 SH OTHER 100
DIEBOLD INC COM 253651103 232
8,323 SH DEFINED 7,123
1,200
DILLARDS INC COM 254067101 172
13,070 SH DEFINED 4,719
8,351
DILLARDS INC COM 254067101 123
9,400 SH OTHER 9,400
WALT DISNEY COMPANY COM DISNEY 254687106 7,553
194,606 SH DEFINED 192,696 500
1,410
WALT DISNEY COMPANY COM DISNEY 254687106 2,178
56,123 SH OTHER 37,801 3,700
14,622
DOLLAR TREE STORES INC COM 256747106 831
21,000 SH DEFINED 21,000
DOMINION RES INC VA NEW COM 25746U109 1,409
32,872 SH DEFINED 32,652
220
DOMINION RES INC VA NEW COM 25746U109 18
421 SH OTHER 421
DOVER CORP COM 260003108 874
21,536 SH DEFINED 16,800
4,736
DOW CHEM CO COM COM 260543103 2,550
83,271 SH DEFINED 83,271
DOW CHEM CO COM COM 260543103 379
12,363 SH OTHER 11,088 1,275
DREYFUS STRATEGIC MUNS INC COM 261932107 400
50,000 SH DEFINED 50,000
DREYFUS STRATEGIC MUNS INC COM 261932107 27
3,400 SH OTHER 3,400
DREYFUS STRATEGIC MUN BD FD INC COM 26202F107 430
53,304 SH DEFINED 53,304
DU PONT E I DE NEMOURS & CO COM 263534109 15,507
352,816 SH DEFINED 345,683
7,133
DU PONT E I DE NEMOURS & CO COM 263534109 2,627
59,762 SH OTHER 45,556 1,406
12,800
DUFF & PHELPS UTILS INCOME,INC COM 264324104 118
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 3,596
63,358 SH DEFINED 60,454
2,904
DUKE ENERGY CORP COM 264399106 429
7,562 SH OTHER 7,312 250
DUN & BRADSTREET CORP DEL COM 26483B106 265
9,245 SH DEFINED 7,775
1,470
DUN & BRADSTREET CORP DEL COM 26483B106 29
1,000 SH OTHER 1,000
E M C CORP MASS COM 268648102 32,926
427,614 SH DEFINED 399,683
27,931
E M C CORP MASS COM 268648102 1,953
25,367 SH OTHER 19,346 1,439
4,582
E TRADE GROUP INC COM 269246104 607
36,800 SH DEFINED 36,200
600
EASTMAN KODAK CO COM 277461109 2,714
45,515 SH DEFINED 42,665 300
2,550
EASTMAN KODAK CO COM 277461109 913
15,309 SH OTHER 11,610 2,649
1,050
EATON CORP COM 278058102 349
5,210 SH DEFINED 5,210
EATON VANCE MUNICIPAL INCOME FD SH BEN INT 27826U108
362 33,332 SH DEFINED 33,332
ECOLAB INC COM 278865100 934
23,906 SH DEFINED 1,125
22,781
EDISON INTERNATIONAL COM 281020107 1,193
58,178 SH DEFINED 57,478
700
EDISON INTERNATIONAL COM 281020107 45
2,184 SH OTHER 2,184
EL PASO ENERGY CORP DEL COM 283905107 408
8,014 SH DEFINED 5,814
2,200
EL PASO ENERGY CORP DEL COM 283905107 438
8,607 SH OTHER 8,607
ELECTRONIC ARTS COM 285512109 729
10,000 SH DEFINED 10,000
ELECTRONIC ARTS COM 285512109 263
3,600 SH OTHER
3,600
ELECTRONIC DATA SYS CORP NEW COM 285661104 2,238
54,258 SH DEFINED 52,435 40
1,783
ELECTRONIC DATA SYS CORP NEW COM 285661104 658
15,956 SH OTHER 3,156 100
12,700
EMERSON ELECTRIC CO COM 291011104 3,785
62,685 SH DEFINED 62,460
225
EMERSON ELECTRIC CO COM 291011104 668
11,060 SH OTHER 9,860 1,200
ENERGEN CORP COM 29265N108 263
12,046 SH DEFINED 9,646
2,400
ENERGEN CORP COM 29265N108 190
8,700 SH OTHER 6,700
2,000
ENERGYSOUTH INC COM 292970100 982
52,051 SH DEFINED 45,486
6,565
ENERGYSOUTH INC COM 292970100 45
2,400 SH OTHER 2,400
ENRON CORPORATION ORGEON COM 293561106 2,092
32,428 SH DEFINED 31,428
1,000
EQUITY INCOME FUND UT 1 EX SR-ATT 294700703 259
1,483 SH DEFINED 1,483
EQUITY INCOME FUND UT 1 EX SR-ATT 294700703 17
100 SH OTHER 100
EXXON MOBIL CORP COM 30231G102 68,236
869,252 SH DEFINED 804,991 396
63,865
EXXON MOBIL CORP COM 30231G102 15,876
202,242 SH OTHER 177,866 13,496
10,880
FPL GROUP INC COM 302571104 2,120
42,663 SH DEFINED 42,397 16
250
FPL GROUP INC COM 302571104 89
1,800 SH OTHER 600 400
800
FAMILY DOLLAR STORES INC COM 307000109 1,682
86,000 SH DEFINED 86,000
FAMILY DOLLAR STORES INC COM 307000109 35
1,800 SH OTHER 1,800
FEDERAL HOME LN MTG CORP COM 313400301 1,716
42,370 SH DEFINED 42,100
270
FEDERAL HOME LN MTG CORP COM 313400301 4
100 SH OTHER 100
FEDERAL MOGUL CORP COM 313549107 574
60,000 SH DEFINED 60,000
FEDERAL NATIONAL MORTGAGE ASSN COM 313586109 15,155
289,694 SH DEFINED 285,919 100
3,675
FEDERAL NATIONAL MORTGAGE ASSN COM 313586109 831
15,878 SH OTHER 12,907 1,764
1,207
FEDERATED DEPT STORES INC NEW COM 31410H101 338
10,000 SH DEFINED 10,000
FEDEX CORP COM 31428X106 2,234
58,796 SH DEFINED 20,200
38,596
FEDEX CORP COM 31428X106 35
929 SH OTHER 729 200
FIFTH THIRD BANCORP COM 316773100 739
11,685 SH DEFINED 11,550
135
FIRST AMERICAN COM 31852M105 34
12,500 SH OTHER 12,500
FIRST DATA CORP COM 319963104 1,958
39,455 SH DEFINED 39,155
300
FIRST DATA CORP COM 319963104 105
2,110 SH OTHER 2,110
FIRST STERLING BKS INC NEW COM 33709Q107 271
24,394 SH DEFINED 18,483
5,911
FIRST TENNESSEE NATIONAL CORP COM 337162101 596
36,000 SH DEFINED 36,000
FIRST TENNESSEE NATIONAL CORP COM 337162101 99
5,992 SH OTHER 5,992
FIRST UNION CORP COM 337358105 2,167
87,328 SH DEFINED 84,682
2,646
FIRST UNION CORP COM 337358105 174
7,014 SH OTHER 5,676 1,338
FIRST VIRGINIA BANKSHARES, INC. COM 337477103 1,042
29,940 SH OTHER 29,940
FIRSTAR CORP NEW WIS COM 33763V109 6,103
289,729 SH DEFINED 289,729
FIRSTAR CORP NEW WIS COM 33763V109 13
634 SH OTHER 634
FLEETBOSTON FINL CORP COM 339030108 2,126
62,525 SH DEFINED 62,053
472
FLEETBOSTON FINL CORP COM 339030108 78
2,302 SH OTHER 2,302
FLEMING COMPANIES INC COM 339130106 237
18,150 SH DEFINED 18,150
FLORIDA PROGRESS CORP COM 341109106 1,667
35,572 SH DEFINED 34,897
675
FLORIDA PROGRESS CORP COM 341109106 117
2,500 SH OTHER 2,050 75
375
FLORIDA ROCK INDS INC COM 341140101 173
4,850 SH DEFINED 4,850
FLORIDA ROCK INDS INC COM 341140101 169
4,749 SH OTHER 4,749
FLOWERS INDUSTRIES INC COM 343496105 273
13,699 SH DEFINED 13,699
FORD MOTOR CO COM 345370100 5,006
116,420 SH DEFINED 105,153
11,267
FORD MOTOR CO COM 345370100 271
6,300 SH OTHER 5,680
620
FOREST LABS INC COM 345838106 5,042
49,925 SH DEFINED 49,875
50
FOREST LABS INC COM 345838106 5
50 SH OTHER 50
FORTUNE BRANDS INC COM 349631101 426
18,465 SH DEFINED 18,465
FORTUNE BRANDS INC COM 349631101 101
4,390 SH OTHER 4,390
FOTOBALL USA INC COM 350384103 40
10,000 SH DEFINED 10,000
GTE CORP COM 362320103 6,376
102,421 SH DEFINED 102,121
300
GTE CORP COM 362320103 385
6,189 SH OTHER 3,897 1,000
1,292
GALLAHER GROUP PLC SPONSORED ADR 363595109 291
13,572 SH DEFINED 13,572
GALLAHER GROUP PLC SPONSORED ADR 363595109 80
3,726 SH OTHER 3,390
336
GANNETT INC COM 364730101 2,287
38,228 SH DEFINED 35,563
2,665
GANNETT INC COM 364730101 1,048
17,519 SH OTHER 16,519 600
400
GAP INC COM 364760108 2,085
66,732 SH DEFINED 66,332
400
GAP INC COM 364760108 238
7,625 SH OTHER 2,100
5,525
GATEWAY INC COM 367626108 4,105
72,025 SH DEFINED 70,400
1,625
GATEWAY INC COM 367626108 618
10,850 SH OTHER 10,850
GENERAL ELECTRIC CO COM 369604103 153,941
2,939,203 SH DEFINED 2,880,056 3,000
56,147
GENERAL ELECTRIC CO COM 369604103 35,462
677,080 SH OTHER 587,286 13,982
75,812
GENERAL MILLS INC COM 370334104 3,265
85,358 SH DEFINED 79,479
5,879
GENERAL MILLS INC COM 370334104 752
19,671 SH OTHER 18,631
1,040
GENERAL MOTORS CORP COM 370442105 6,364
109,731 SH DEFINED 92,376 150
17,205
GENERAL MOTORS CORP COM 370442105 882
15,203 SH OTHER 13,662 600
941
GENUINE PARTS CO COM 372460105 1,273
63,650 SH DEFINED 50,600
13,050
GENUINE PARTS CO COM 372460105 300
14,995 SH OTHER 13,895
1,100
GEORGIA PAC CORP COM GA PAC GRP 373298108 2,139
81,501 SH DEFINED 79,429 2,072
GEORGIA PAC CORP COM-TIMBER GRP 373298702 2,460
113,744 SH DEFINED 59,708 1,036
53,000
GILEAD SCIENCES INC COM 375558103 1,565
22,000 SH DEFINED 22,000
GILLETTE CO COM 375766102 12,504
357,892 SH DEFINED 333,024 500
24,368
GILLETTE CO COM 375766102 2,761
79,019 SH OTHER 60,194 1,900
16,925
GLAXO WELLCOME PLC SPONSORED ADR 37733W105 220
3,800 SH DEFINED 3,800
GLAXO WELLCOME PLC SPONSORED ADR 37733W105 136
2,350 SH OTHER 2,350
GLOBAL MARINE INC COM 379352404 1,734
61,500 SH DEFINED 61,500
GOODYEAR TIRE & RUBBER CO COM 382550101 231
11,544 SH DEFINED 11,544
GOODYEAR TIRE & RUBBER CO COM 382550101 86
4,324 SH OTHER 4,324
GRANT PRIDECO INC COM 38821G101 330
13,200 SH DEFINED 13,200
GRAY COMMUNICATIONS SYSTEM INC COM 389190109 1,656
168,750 SH OTHER 168,750
GUIDANT CORP COM 401698105 2,255
45,550 SH DEFINED 45,550
GUIDANT CORP COM 401698105 41
820 SH OTHER 820
HCA-HEALTHCARE CO COM 404119109 1,726
56,000 SH DEFINED 56,000
HALLIBURTON CO COM 406216101 5,081
107,685 SH DEFINED 104,167
3,518
HALLIBURTON CO COM 406216101 451
9,555 SH OTHER 7,128 2,053
374
HARTFORD FINL SVCS GROUP INC COM 416515104 828
14,805 SH DEFINED 14,805
HARTFORD FINL SVCS GROUP INC COM 416515104 13
225 SH OTHER
225
HEALTHSOUTH CORP COM 421924101 62
8,375 SH DEFINED
8,375
HEALTHSOUTH CORP COM 421924101 76
10,350 SH OTHER 10,350
HEALTH MGMT ASSOC INC NEW COM 421933102 317
24,238 SH DEFINED 24,000
238
HEINZ H J CO COM 423074103 1,913
43,715 SH DEFINED 43,565
150
HEINZ H J CO COM 423074103 1,008
23,045 SH OTHER 21,945 200
900
HERSHEY FOODS CORP COM 427866108 1,905
39,284 SH DEFINED 38,599
685
HERSHEY FOODS CORP COM 427866108 518
10,687 SH OTHER 8,800 100
1,787
HEWLETT PACKARD CO COM 428236103 10,674
85,480 SH DEFINED 84,630
850
HEWLETT PACKARD CO COM 428236103 3,006
24,070 SH OTHER 16,383 1,100
6,587
HIBERNIA CORP CL A 428656102 269
24,476 SH DEFINED 24,476
HILTON HOTELS COM 432848109 1,153
122,944 SH DEFINED 4,944
118,000
HOME DEPOT INC COM 437076102 25,978
520,205 SH DEFINED 509,803
10,402
HOME DEPOT INC COM 437076102 1,932
38,685 SH OTHER 23,891 2,994
11,800
HOMESTAKE MINING CO COM 437614100 313
45,512 SH DEFINED 18,512
27,000
HONEYWELL INTERNATIONAL INC COM 438516106 1,992
59,137 SH DEFINED 58,272 350
515
HONEYWELL INTERNATIONAL INC COM 438516106 261
7,743 SH OTHER 7,431 312
HOST MARRIOTT CORP NEW (REIT) COM 44107P104 853
90,964 SH DEFINED 3,831
87,133
HOUSEHOLD INTERNATIONAL CORP COM 441815107 1,023
24,617 SH DEFINED 24,539
78
HOUSEHOLD INTERNATIONAL CORP COM 441815107 656
15,772 SH OTHER 7,926 460
7,386
HUMAN GENOME SCIENCES INC COM 444903108 4,668
35,000 SH DEFINED 35,000
ICN PHARMACEUTICALS INC NEW COM 448924100 3,260
117,200 SH DEFINED 117,200
ICOS CORP COM 449295104 3,080
70,000 SH DEFINED 70,000
IDEC PHARMACEUTICALS CORP COM 449370105 2,346
20,000 SH DEFINED 20,000
IMS HEALTH INC COM 449934108 172
9,545 SH DEFINED 7,550
1,995
IMS HEALTH INC COM 449934108 25
1,400 SH OTHER 600
800
ILLINOIS TOOL WKS INC COM 452308109 2,098
36,814 SH DEFINED 36,754
60
ILLINOIS TOOL WKS INC COM 452308109 68
1,200 SH OTHER 1,200
INACOM CORP COM 45323G109 1
11,123 SH DEFINED 11,123
INFORMIX CORP COM 456779107 625
84,000 SH DEFINED 84,000
INGERSOLL RAND CO COM 456866102 825
20,500 SH DEFINED 20,500
INSURED MUNICIPAL INCOME FUND COM 45809F104 535
44,583 SH DEFINED 44,583
INSURED MUNICIPAL INCOME FUND COM 45809F104 10
865 SH OTHER 865
INTEL CORP COM 458140100 116,053
868,090 SH DEFINED 830,869 550
36,671
INTEL CORP COM 458140100 16,462
123,136 SH OTHER 106,833 5,106
11,197
INTERGRAPH CORP COM 458683109 289
38,250 SH DEFINED 38,250
INTERGRAPH CORP COM 458683109 26
3,500 SH OTHER 3,500
INT'L BUSINESS MACHINES CORP COM 459200101 57,127
521,413 SH DEFINED 497,586
23,827
INT'L BUSINESS MACHINES CORP COM 459200101 7,321
66,816 SH OTHER 54,937 3,779
8,100
INTL FLAVORS & FRAGRANCES INC COM 459506101 463
15,333 SH DEFINED 7,883
7,450
INTL FLAVORS & FRAGRANCES INC COM 459506101 250
8,297 SH OTHER 7,997
300
INTERNATIONAL PAPER CO COM 460146103 4,688
157,261 SH DEFINED 155,227 300
1,734
INTERNATIONAL PAPER CO COM 460146103 1,371
45,998 SH OTHER 45,498
500
INTERPUBLIC GROUP COS INC COM 460690100 103
2,400 SH DEFINED 2,400
INTERPUBLIC GROUP COS INC COM 460690100 305
7,100 SH OTHER
7,100
INTUIT COM 461202103 2,071
50,045 SH DEFINED 50,000
45
INTUIT COM 461202103 4
100 SH OTHER 100
INVESTMENT TECHNOLOGY GRP NE COM 46145F105 395
10,000 SH DEFINED 10,000
IPALCO ENTERPRISES INC COM 462613100 447
22,200 SH DEFINED 22,200
IPALCO ENTERPRISES INC COM 462613100 24
1,200 SH OTHER 1,200
IVAX CORP COM 465823102 2,477
60,600 SH DEFINED 60,600
JDS UNIPHASE CORP COM 46612J101 4,074
33,986 SH DEFINED 27,850
6,136
JDS UNIPHASE CORP COM 46612J101 579
4,830 SH OTHER 4,105 425
300
JABIL CIRCUIT INC COM 466313103 1,985
40,000 SH DEFINED 40,000
JEFFERSON PILOT CORP COM 475070108 9,988
176,980 SH DEFINED 159,869
17,111
JEFFERSON PILOT CORP COM 475070108 3,670
65,024 SH OTHER 38,786 2,938
23,300
JOHNSON & JOHNSON COM 478160104 55,291
542,730 SH DEFINED 516,155 300
26,275
JOHNSON & JOHNSON COM 478160104 5,002
49,104 SH OTHER 34,107 3,097
11,900
JONES APPAREL GROUP INC COM 480074103 470
20,000 SH DEFINED 20,000
K MART CORP COM 482584109 165
24,000 SH DEFINED 24,000
K MART CORP COM 482584109 4
600 SH OTHER 600
KAYDON CORP COM 486587108 50
2,400 SH DEFINED 2,400
KAYDON CORP COM 486587108 194
9,250 SH OTHER 9,250
KELLOGG CO COM 487836108 176
5,920 SH DEFINED 5,670
250
KELLOGG CO COM 487836108 333
11,200 SH OTHER 10,400
800
KEMPER MUN INCOME TR COM SH BEN INT 48842C104 472
42,185 SH DEFINED 41,000
1,185
KERR MCGEE CORP COM 492386107 212
3,589 SH DEFINED 3,589
KERR MCGEE CORP COM 492386107 83
1,400 SH OTHER 1,400
KEYCORP NEW COM 493267108 866
49,132 SH DEFINED 49,132
KIMBERLY CLARK CORP COM 494368103 12,367
215,543 SH DEFINED 200,378
15,165
KIMBERLY CLARK CORP COM 494368103 4,383
76,387 SH OTHER 60,453 3,330
12,604
KNIGHT RIDDER INC COM 499040103 1,776
33,398 SH DEFINED
33,398
LSI LOGIC CORP COM 502161102 487
9,000 SH DEFINED 9,000
LEGG MASON INC COM 524901105 1,100
22,000 SH DEFINED 22,000
LILLY ELI & CO COM 532457108 16,555
165,761 SH DEFINED 165,401
360
LILLY ELI & CO COM 532457108 4,366
43,718 SH OTHER 38,328 1,790
3,600
LIMITED INC COM 532716107 591
27,343 SH DEFINED 27,343
LIMITED INC COM 532716107 22
1,000 SH OTHER 1,000
LINCOLN NATIONAL CORP IND COM 534187109 424
11,725 SH DEFINED 11,525
200
LOCKHEED MARTIN CORP COM 539830109 1,058
42,648 SH DEFINED 42,548
100
LOCKHEED MARTIN CORP COM 539830109 39
1,581 SH OTHER 1,300
281
LOEWS CORP COM 540424108 540
9,000 SH OTHER 9,000
LOUISIANA PACIFIC CORP COM 546347105 1,078
99,117 SH DEFINED 98,839 278
LOWES COS INC COM 548661107 2,659
64,550 SH DEFINED 64,500
50
LOWES COS INC COM 548661107 8
200 SH OTHER 200
LUBRIZOL CORP COM 549271104 210
10,000 SH DEFINED 10,000
LUCENT TECHNOLOGIES INC COM 549463107 63,718
1,084,555 SH DEFINED 1,035,798 560
48,197
LUCENT TECHNOLOGIES INC COM 549463107 11,456
194,991 SH OTHER 159,270 5,182
30,539
LUFKIN INDUSTRIES INCORPORATED COM 549764108 1
40 SH DEFINED 40
LUFKIN INDUSTRIES INCORPORATED COM 549764108 584
36,765 SH OTHER 36,765
MBNA CORP COM 55262L100 236
8,693 SH DEFINED 8,693
MBNA CORP COM 55262L100 21
780 SH OTHER 780
MFS MULTIMARKET INCOME TRUST SH BEN INT 552737108 61
9,815 SH DEFINED 9,815
MFS MULTIMARKET INCOME TRUST SH BEN INT 552737108 15
2,380 SH OTHER 2,380
MFS GOVT MKTS INCOME TR SH BEN INT 552939100 102
16,660 SH DEFINED 16,660
MFS GOVT MKTS INCOME TR SH BEN INT 552939100 2
300 SH OTHER 300
MACROMEDIA INC COM 556100105 1,354
14,000 SH DEFINED 14,000
MANULIFE FINL CORP COM 56501R106 330
18,538 SH DEFINED 18,538
MARSH & MCLENNAN COS INC COM 571748102 2,208
21,139 SH DEFINED 20,704
435
MARSH & MCLENNAN COS INC COM 571748102 910
8,713 SH OTHER 8,617 96
MARRIOTT INTL INC NEW COM 571903202 1,839
51,000 SH DEFINED 12,000
39,000
MARRIOTT INTL INC NEW COM 571903202 343
9,500 SH OTHER 200
9,300
MASCO CORP COM 574599106 896
49,600 SH DEFINED 49,600
MASCO CORP COM 574599106 47
2,600 SH OTHER 2,600
MATTEL, INC. COM 577081102 130
9,851 SH DEFINED 9,451
400
MATTEL, INC. COM 577081102 8
640 SH OTHER 440
200
MAY DEPT STORES CO COM 577778103 449
18,700 SH DEFINED 18,700
MAY DEPT STORES CO COM 577778103 56
2,322 SH OTHER 2,322
MAYTAG CORP COM 578592107 28,058
760,902 SH DEFINED 760,902
MAYTAG CORP COM 578592107 74
2,000 SH OTHER 2,000
MCCORMICK & CO INC COM NON VTG 579780206 701
21,564 SH DEFINED 21,564
MCCORMICK & CO INC COM NON VTG 579780206 29
888 SH OTHER 888
MCDONALDS CORP COM 580135101 6,432
195,279 SH DEFINED 192,179 500
2,600
MCDONALDS CORP COM 580135101 2,666
80,946 SH OTHER 61,046
19,900
MCGRAW-HILL COMPANIES INC NEW COM 580645109 523
9,680 SH DEFINED 9,280
400
MCGRAW-HILL COMPANIES INC NEW COM 580645109 65
1,200 SH OTHER 1,200
MCKESSON HBOC INC COM 58155Q103 142
6,768 SH DEFINED 6,768
MCKESSON HBOC INC COM 58155Q103 71
3,383 SH OTHER 3,383
MEAD CORP COM 582834107 828
32,568 SH DEFINED 31,153
1,415
MEAD CORP COM 582834107 2,233
87,797 SH OTHER 35,546 1,400
50,851
MEDIAONE GROUP INC COM 58440J104 3,112
46,702 SH DEFINED 46,222
480
MEDIAONE GROUP INC COM 58440J104 248
3,718 SH OTHER 3,104 614
MEDICAL ASSURN INC COM 58449U100 184
16,329 SH DEFINED 13,238
3,091
MEDICAL ASSURN INC COM 58449U100 24
2,172 SH OTHER 1,633
539
MEDICIS PHARMACEUTICAL CORP CL A NEW 584690309 456
8,000 SH DEFINED 8,000
MEDIMMUNE INC COM 584699102 4,440
60,000 SH DEFINED 60,000
MEDTRONIC INC COM 585055106 8,502
170,670 SH DEFINED 170,270
400
MEDTRONIC INC COM 585055106 613
12,300 SH OTHER 2,200
10,100
MELLON FINL CORP COM 58551A108 1,008
27,660 SH DEFINED 27,660
MELLON FINL CORP COM 58551A108 44
1,200 SH OTHER 600 600
MERCK & CO INC COM 589331107 57,951
756,301 SH DEFINED 734,647 400
21,254
MERCK & CO INC COM 589331107 13,277
173,267 SH OTHER 140,787 2,941
29,539
MERRILL LYNCH & CO INC COM 590188108 2,564
22,295 SH DEFINED 22,245
50
MERRILL LYNCH & CO INC COM 590188108 29
250 SH OTHER 50 200
MICROSOFT CORP COM 594918104 87,093
1,088,661 SH DEFINED 1,056,549 1,900
30,212
MICROSOFT CORP COM 594918104 5,269
65,863 SH OTHER 50,055 2,818
12,990
MICROCHIP TECHNOLOGY INC COM 595017104 2,098
36,000 SH DEFINED 36,000
MICRON TECHNOLOGY INC COM 595112103 11,219
127,400 SH DEFINED 127,300
100
MILLENNIUM PHARMACTCLS INC COM 599902103 3,805
34,010 SH DEFINED 34,000
10
MINNESOTA MNG & MFG CO COM 604059105 4,006
48,448 SH DEFINED 48,348
100
MINNESOTA MNG & MFG CO COM 604059105 1,497
18,099 SH OTHER 15,400 1,699
1,000
MONSANTO CO ADJ CONVR RATE 611662305 235
5,190 SH DEFINED 2,990
2,200
MONSANTO CO ADJ CONVR RATE 611662305 95
2,100 SH OTHER 2,100
MORGAN J P & CO INC COM 616880100 2,066
18,761 SH DEFINED 18,281
480
MORGAN J P & CO INC COM 616880100 855
7,763 SH OTHER 4,349 3,214
200
MORGAN STANLEY D WITTER & CO COM NEW 617446448 10,053
120,759 SH DEFINED 120,559
200
MORGAN STANLEY D WITTER & CO COM NEW 617446448 1,262
15,158 SH OTHER 15,158
MORRISON MGMT SPECIALISTS IN COM 618459101 551
19,553 SH DEFINED 19,553
MORRISON MGMT SPECIALISTS IN COM 618459101 721
25,577 SH OTHER 22,827
2,750
MOTOROLA INC COM 620076109 5,711
190,351 SH DEFINED 188,876
1,475
MOTOROLA INC COM 620076109 1,546
51,544 SH OTHER 40,250 1,620
9,674
MURPHY OIL CORP COM 626717102 1,159
19,500 SH DEFINED 19,500
MURPHY OIL CORP COM 626717102 322
5,412 SH OTHER 5,412
NABISCO GROUP HLDG CORP COM 62952P102 1,349
52,000 SH DEFINED 52,000
NABISCO HLDGS CORP COM 629526104 1,568
30,000 SH DEFINED
30,000
NABORS INDS INC COM 629568106 3,325
80,000 SH DEFINED 80,000
NASDAQ 100 TR UNIT SER 1 631100104 174
1,863 SH DEFINED 1,117
746
NASDAQ 100 TR UNIT SER 1 631100104 134
1,431 SH OTHER 31
1,400
NATIONAL CITY CORP COM 635405103 643
37,682 SH DEFINED 37,682
NATIONAL CITY CORP COM 635405103 34
2,000 SH OTHER
2,000
NATIONAL FUEL GAS CO N J COM 636180101 130
2,658 SH DEFINED 2,658
NATIONAL FUEL GAS CO N J COM 636180101 156
3,208 SH OTHER 3,008
200
NATIONAL WESTMINISTER BANK ADR 638539403 208
1,784 SH OTHER 1,784
NETWORK APPLIANCE INC COM 64120L104 1,325
16,460 SH DEFINED 16,400
60
NEW CENTY ENERGIES INC COM 64352U103 345
11,495 SH DEFINED 11,425 70
NEW CENTY ENERGIES INC COM 64352U103 5
150 SH OTHER 150
NEW TEL LTD COM 648867109 244
21,000 SH DEFINED 21,000
NEWELL RUBBERMAID INC COM 651229106 117
4,528 SH DEFINED 4,328
200
NEWELL RUBBERMAID INC COM 651229106 216
8,397 SH OTHER 283
8,114
NEWMONT MINING CORP (NEW) COM 651639106 2,413
111,607 SH DEFINED 111,607
NEWMONT MINING CORP (NEW) COM 651639106 4
188 SH OTHER 188
NEXTEL COMMUNICATIONS INC CL A 65332V103 225
3,670 SH DEFINED 3,600
70
NEXTEL COMMUNICATIONS INC CL A 65332V103 12
200 SH OTHER 200
NICOR INC COM 654086107 177
5,440 SH DEFINED 5,040
400
NICOR INC COM 654086107 26
784 SH OTHER 550
234
NIKE INC CL B CL B 654106103 362
9,105 SH DEFINED 9,105
NIKE INC CL B CL B 654106103 32
800 SH OTHER
800
NOKIA CORP SPONSORED ADR 654902204 641
12,800 SH DEFINED 11,600 400
800
NORDSTROM INC COM 655664100 656
27,180 SH DEFINED 26,730
450
NORDSTROM INC COM 655664100 7
300 SH OTHER 300
NORFOLK SOUTHERN CORPORATION COM 655844108 543
36,481 SH DEFINED 36,481
NORFOLK SOUTHERN CORPORATION COM 655844108 438
29,431 SH OTHER 25,156
4,275
NORTEL NETWORKS CORP NEW COM 656568102 31,484
457,112 SH DEFINED 455,552
1,560
NORTEL NETWORKS CORP NEW COM 656568102 470
6,820 SH OTHER 6,820
NORTH FORK BANCORP INC N Y COM 659424105 454
30,000 SH DEFINED 30,000
NORTHERN TRUST CORP COM 665859104 2,037
31,310 SH DEFINED 29,010
2,300
NOVELL INC COM 670006105 425
45,900 SH DEFINED 33,100
12,800
NOVELL INC COM 670006105 17
1,835 SH OTHER 1,635
200
NUVEEN PERF PLUS MUN FD COM 67062P108 152
12,650 SH DEFINED 12,650
NVIDIA CORP COM 67066G104 1,780
28,000 SH DEFINED 28,000
NUVEEN MUN VALUE FD INC COM 670928100 225
26,608 SH DEFINED 26,608
NUVEEN MUN VALUE FD INC COM 670928100 22
2,666 SH OTHER 2,666
NUVEEN OHIO QUALITY INCOME MUN COM 670980101 97
6,110 SH DEFINED 6,110
NUVEEN OHIO QUALITY INCOME MUN COM 670980101 77
4,840 SH OTHER 4,840
NUVEEN TEX QUAL INCM MUN FD COM 670983105 635
49,800 SH DEFINED 49,800
OCCIDENTAL PETE CORP COM 674599105 433
20,546 SH DEFINED 20,546
OLD REPUBLIC INTL CORP COM 680223104 46
2,775 SH DEFINED 2,775
OLD REPUBLIC INTL CORP COM 680223104 5,950
360,632 SH OTHER 86,944
273,688
ORACLE CORPORATION COM 68389X105 38,666
459,965 SH DEFINED 456,370 450
3,145
ORACLE CORPORATION COM 68389X105 2,063
24,544 SH OTHER 12,760 10,090
1,694
PG&E CORP COM 69331C108 1,483
60,238 SH DEFINED 60,238
PG&E CORP COM 69331C108 93
3,793 SH OTHER 3,743 50
PE CORP COM PE BIO GRP 69332S102 268
4,064 SH DEFINED 4,000
64
PE CORP COM PE BIO GRP 69332S102 409
6,200 SH OTHER 6,200
PE CORP CALERA GEN GRP 69332S201 95
1,024 SH DEFINED 1,000
24
PE CORP CALERA GEN GRP 69332S201 149
1,600 SH OTHER 1,600
PNC FINANCIAL SERVICES GROUP COM 693475105 712
15,200 SH DEFINED 15,200
PNC FINANCIAL SERVICES GROUP COM 693475105 248
5,285 SH OTHER 400 4,375
510
PPG INDUSTRIES INC COM 693506107 845
19,076 SH DEFINED 18,976
100
PPG INDUSTRIES INC COM 693506107 434
9,800 SH OTHER 9,400
400
PSS WORLD MEDICAL INC COM 69366A100 71
10,500 SH DEFINED 10,500
PACCAR INC COM 693718108 56
1,400 SH DEFINED 1,400
PACCAR INC COM 693718108 163
4,104 SH OTHER 4,104
PARKER HANNIFIN CORP COM 701094104 214
6,235 SH DEFINED 6,235
PEPSICO INC COM 713448108 21,477
483,314 SH DEFINED 480,409
2,905
PEPSICO INC COM 713448108 2,086
46,953 SH OTHER 30,744 2,509
13,700
PERKINELMER INC COM 714046109 4,108
62,125 SH DEFINED 62,125
PERKINELMER INC COM 714046109 38
582 SH OTHER 582
PFIZER INC COM 717081103 62,978
1,312,042 SH DEFINED 1,271,340
40,702
PFIZER INC COM 717081103 6,590
137,289 SH OTHER 93,777 2,637
40,875
PHARMACIA CORP COM 71713U102 8,042
155,580 SH DEFINED 148,669
6,911
PHARMACIA CORP COM 71713U102 2,238
43,291 SH OTHER 32,640 5,451
5,200
PHELPS DODGE CORP COM 717265102 247
6,647 SH DEFINED 6,597
50
PHELPS DODGE CORP COM 717265102 20
525 SH OTHER 525
PHILIP MORRIS COS INC COM 718154107 6,976
262,617 SH DEFINED 259,259 900
2,458
PHILIP MORRIS COS INC COM 718154107 1,775
66,808 SH OTHER 60,180 5,928
700
PHILLIPS PETE CO COM 718507106 1,318
26,003 SH DEFINED 26,003
PIONEER NATURAL RESOURCES CO COM 723787107 689
54,000 SH DEFINED
54,000
PITNEY BOWES INC COM 724479100 1,667
41,671 SH DEFINED 40,175
1,496
PITNEY BOWES INC COM 724479100 520
13,000 SH OTHER 13,000
PITNEY BOWES INC PREF CV $2.12 724479308 178
200 SH DEFINED 200
PITNEY BOWES INC PREF CV $2.12 724479308 44
50 SH OTHER 50
POWERWAVE TECHNOLOGIES INC COM 739363109 264
6,000 SH DEFINED 6,000
PRECISION STD INC COM NEW 740327200 148
10,000 SH DEFINED
10,000
PROCTER & GAMBLE CO COM 742718109 26,042
454,890 SH DEFINED 436,861 300
17,729
PROCTER & GAMBLE CO COM 742718109 4,328
75,595 SH OTHER 53,475 3,920
18,200
PROGRESSIVE CORP OHIO COM 743315103 265
3,600 SH DEFINED 3,600
PROTECTIVE LIFE CORP COM 743674103 1,709
64,190 SH DEFINED 63,290
900
PROTECTIVE LIFE CORP COM 743674103 7,894
296,501 SH OTHER 292,835 3,010
656
PROVIDIAN FINL CORP COM 74406A102 1,171
13,011 SH DEFINED 13,011
PROVIDIAN FINL CORP COM 74406A102 1,554
17,270 SH OTHER 10,370
6,900
PUBLIC SVC ENTERPRISE GROUP COM 744573106 1,249
36,077 SH DEFINED 36,077
PUBLIC SVC ENTERPRISE GROUP COM 744573106 29
844 SH OTHER 94 750
PUTNAM INVT GRADE MUN TR COM 746805100 318
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 60
9,535 SH DEFINED 9,535
PUTNAM PREMIER INCOME TR SH BEN INT 746853100 18
2,863 SH OTHER 2,863
PUTNAM MASTER INTER INCOME TR SH BEN INT 746909100 57
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 1,057
16,000 SH DEFINED 16,000
QUAKER OATS CO COM 747402105 958
12,749 SH DEFINED 9,949
2,800
QUAKER OATS CO COM 747402105 446
5,931 SH OTHER 5,035 896
QUALCOMM INC COM 747525103 9,310
155,166 SH DEFINED 154,116
1,050
QUALCOMM INC COM 747525103 363
6,050 SH OTHER 4,950
1,100
QUESTAR CORP COM 748356102 190
9,800 SH DEFINED 9,800
QUESTAR CORP COM 748356102 19
1,000 SH OTHER 1,000
QWEST COMM INTL INC COM 749121109 7,936
159,721 SH DEFINED 131,429
28,292
QWEST COMM INTL INC COM 749121109 567
11,414 SH OTHER 7,908 1,776
1,730
RALSTON-RALSTON PURINA GROUP COM RAL-PUR GP 751277302 722
36,200 SH DEFINED 1,200
35,000
RALSTON-RALSTON PURINA GROUP COM RAL-PUR GP 751277302 42
2,100 SH OTHER
2,100
RATIONAL SOFTWARE CORP COM NEW 75409P202 2,788
30,000 SH DEFINED 30,000
RAYTHEON CO CL B CL B 755111408 707
36,710 SH DEFINED 36,660
50
RAYTHEON CO CL B CL B 755111408 35
1,830 SH OTHER 630 800
400
REGIONS FINANCIAL CORP COM 758940100 114,591
5,765,582 SH DEFINED 4,898,289 11,495
855,798
REGIONS FINANCIAL CORP COM 758940100 43,198
2,173,475 SH OTHER 1,714,779 51,203
407,493
RELIANT ENERGY INC COM 75952J108 1,502
50,061 SH DEFINED 49,544
517
RELIANT ENERGY INC COM 75952J108 251
8,365 SH OTHER 1,247 4,496
2,622
ROCKWELL INTL CORP NEW COM 773903109 596
18,912 SH DEFINED 18,912
ROCKWELL INTL CORP NEW COM 773903109 97
3,090 SH OTHER 1,642
1,448
ROSS STORES INC COM 778296103 478
28,000 SH DEFINED 28,000
ROYAL DUTCH PETROLEUM COMPANY NY REG GLD1.25 780257804 12,638
205,289 SH DEFINED 204,889 300
100
ROYAL DUTCH PETROLEUM COMPANY NY REG GLD1.25 780257804 1,187
19,284 SH OTHER 16,284 2,000
1,000
RUBY TUESDAY INC COM 781182100 4,711
375,022 SH DEFINED 374,198 824
RUBY TUESDAY INC COM 781182100 1,212
96,512 SH OTHER 86,512
10,000
RUSSELL CORP COM 782352108 86
4,305 SH DEFINED 4,305
RUSSELL CORP COM 782352108 1,331
66,552 SH OTHER 3,880
62,672
SBC COMMUNICATIONS INC NEW COM 78387G103 32,160
743,587 SH DEFINED 729,587 450
13,550
SBC COMMUNICATIONS INC NEW COM 78387G103 3,316
76,666 SH OTHER 60,110 8,009
8,547
SCI SYSTEMS INC COM 783890106 644
16,443 SH DEFINED 16,343
100
SCI SYSTEMS INC COM 783890106 157
4,000 SH OTHER 4,000
SPDR TR UNIT SER 1 78462F103 368
2,530 SH DEFINED 1,850
680
SPDR TR UNIT SER 1 78462F103 392
2,700 SH OTHER 2,000
700
SABINE ROYALTY TRUST INTEREST UNIT BEN INT 785688102 193
12,010 SH DEFINED 12,010
SABRE HOLDINGS CORPORATION CL A 785905100 237
8,328 SH DEFINED 8,287
41
SABRE HOLDINGS CORPORATION CL A 785905100 32
1,112 SH OTHER 1,112
SAFEWAY INC COM NEW 786514208 343
7,594 SH DEFINED 7,594
ST PAUL COS INC COM 792860108 435
12,740 SH DEFINED 10,440
2,300
ST PAUL COS INC COM 792860108 155
4,548 SH OTHER 4,548
SAKS INC COM 79377W108 365
35,000 SH DEFINED
35,000
SALOMON BROTHERS INV FUND INC. COM 795478106 277
12,853 SH OTHER 12,853
SANMINA CORP COM 800907107 3,424
40,052 SH DEFINED 40,000
52
SARA LEE CORP COM 803111103 2,517
131,192 SH DEFINED 130,892
300
SARA LEE CORP COM 803111103 307
16,000 SH OTHER 11,200
4,800
SAWTEK INC COM 805468105 1,842
32,000 SH DEFINED 32,000
SCANA CORP NEW COM 80589M102 770
31,914 SH DEFINED 30,514
1,400
SCANA CORP NEW COM 80589M102 173
7,167 SH OTHER 7,067 100
SCHERING-PLOUGH CORP COM 806605101 19,381
383,785 SH DEFINED 368,255
15,530
SCHERING-PLOUGH CORP COM 806605101 2,185
43,260 SH OTHER 21,440 8,620
13,200
SCHLUMBERGER LTD COM 806857108 13,763
184,432 SH DEFINED 165,459
18,973
SCHLUMBERGER LTD COM 806857108 1,569
21,023 SH OTHER 19,463 560
1,000
SCIENTIFIC ATLANTA INC COM 808655104 149
2,000 SH DEFINED 2,000
SCIENTIFIC ATLANTA INC COM 808655104 194
2,600 SH OTHER 2,600
SEAGATE TECHNOLOGY COM 811804103 733
13,320 SH DEFINED 13,320
SEAGRAM LTD COM 811850106 1,792
30,900 SH DEFINED 30,900
SEAGRAM LTD COM 811850106 278
4,800 SH OTHER 4,800
SEARS ROEBUCK & CO COM 812387108 1,512
46,342 SH DEFINED 46,342
SEARS ROEBUCK & CO COM 812387108 367
11,238 SH OTHER 8,863 2,375
SEPRACOR INC COM 817315104 6,760
56,041 SH DEFINED 56,000
41
SERVICEMASTER CO COM 81760N109 280
24,611 SH DEFINED 24,611
SHELL TRANS & TRADING PLC NEW YRK SH NEW 822703609 195
3,900 SH DEFINED 3,675 225
SHELL TRANS & TRADING PLC NEW YRK SH NEW 822703609 479
9,600 SH OTHER 9,600
SOLECTRON CORP COM 834182107 116
2,770 SH DEFINED 2,770
SOLECTRON CORP COM 834182107 538
12,850 SH OTHER
12,850
SOLUTIA INC COM 834376105 597
43,406 SH DEFINED 43,406
SOLUTIA INC COM 834376105 10
716 SH OTHER 716
SONOCO PRODUCTS CO COM 835495102 62
3,000 SH DEFINED 3,000
SONOCO PRODUCTS CO COM 835495102 723
35,162 SH OTHER 462 34,700
SOUTH ALABAMA BANCORP INC COM 836234104 271
26,255 SH DEFINED 23,255
3,000
SOUTH ALABAMA BANCORP INC COM 836234104 454
44,031 SH OTHER
44,031
SOUTHERN CO COM 842587107 8,690
372,768 SH DEFINED 356,682 308
15,778
SOUTHERN CO COM 842587107 2,392
102,623 SH OTHER 82,063 3,779
16,781
SOUTHSIDE BANCSHARES INC COM 84470P109 100
12,100 SH DEFINED 12,100
SOUTHTRUST CORP COM 844730101 3,267
144,398 SH DEFINED 135,839 435
8,124
SOUTHTRUST CORP COM 844730101 3,646
161,146 SH OTHER 137,202 401
23,543
SOUTHWEST AIRLINES CO COM 844741108 673
35,540 SH DEFINED 34,940
600
SOUTHWEST AIRLINES CO COM 844741108 30
1,575 SH OTHER 1,125 450
SOUTHWESTERN ENERGY CO COM 845467109 8
1,200 SH DEFINED 1,200
SOUTHWESTERN ENERGY CO COM 845467109 69
11,000 SH OTHER 11,000
SOVEREIGN BANCORP INC COM 845905108 169
24,000 SH DEFINED 24,000
SPIEGEL INC CL A 848457107 230
27,000 SH OTHER 27,000
SPRINT CORP (FON GROUP) COM FON GROUP 852061100 5,286
103,638 SH DEFINED 103,638
SPRINT CORP (FON GROUP) COM FON GROUP 852061100 510
9,998 SH OTHER 9,862 136
SPRINT CORP PCS COM SER 1 852061506 2,275
38,228 SH DEFINED 38,228
SPRINT CORP PCS COM SER 1 852061506 212
3,562 SH OTHER 3,494 68
STATE STR CORP COM 857477103 912
8,600 SH DEFINED 8,600
STATE STR CORP COM 857477103 849
8,000 SH OTHER 8,000
STERLING BANCSHARES INC COM 858907108 463
42,822 SH DEFINED 42,822
SUN LIFE FINANCIAL SVCS CAN COM 866796105 320
18,973 SH DEFINED 17,830
1,143
SUN MICROSYSTEMS INC COM 866810104 36,207
398,149 SH DEFINED 389,476
8,673
SUN MICROSYSTEMS INC COM 866810104 1,547
17,010 SH OTHER 10,806 6,084
120
SUNOCO INC COM 86764P109 304
10,324 SH DEFINED 6,324
4,000
SUNOCO INC COM 86764P109 12
400 SH OTHER 400
SUNTRUST BANKS INC COM 867914103 2,257
49,400 SH DEFINED 32,450
16,950
SUNTRUST BANKS INC COM 867914103 815
17,846 SH OTHER 16,946 900
SYBASE INC COM 871130100 644
28,000 SH DEFINED 28,000
SYMBOL TECHNOLOGIES INC COM 871508107 1,944
36,000 SH DEFINED 36,000
SYNOPSYS INC COM 871607107 760
22,000 SH DEFINED 22,000
SYNOVUS FINANCIAL CORP COM 87161C105 874
49,617 SH DEFINED 24,076 450
25,091
SYNOVUS FINANCIAL CORP COM 87161C105 3,968
225,150 SH OTHER 221,230 505
3,415
SYSCO CORP COM 871829107 3,110
73,839 SH DEFINED 72,648
1,191
SYSCO CORP COM 871829107 592
14,047 SH OTHER 13,557 490
TECO ENERGY INC COM 872375100 475
23,690 SH DEFINED 23,690
TECO ENERGY INC COM 872375100 330
16,448 SH OTHER 15,648 800
TRW INC COM 872649108 794
18,316 SH DEFINED 18,191
125
TRW INC COM 872649108 9
200 SH OTHER 200
TXU CORP COM 873168108 1,603
51,600 SH DEFINED 51,184 16
400
TXU CORP COM 873168108 68
2,201 SH OTHER 1,901
300
TANDY CORP COM 875382103 403
8,830 SH DEFINED 8,830
TANDY CORP COM 875382103 315
6,900 SH OTHER 6,900
TARGET CORP COM 87612E106 1,692
29,170 SH DEFINED 29,170
TARGET CORP COM 87612E106 348
6,000 SH OTHER 6,000
TELEFONICA S. A. SPONSORED ADR 879382208 689
10,753 SH DEFINED 10,753
TELLABS INC COM 879664100 15,631
228,394 SH DEFINED 225,849
2,545
TELLABS INC COM 879664100 877
12,811 SH OTHER 3,945 361
8,505
TERADYNE INC COM 880770102 223
3,038 SH DEFINED 3,000
38
TERADYNE INC COM 880770102 7
100 SH OTHER 100
TEXACO INC COM 881694103 10,467
196,332 SH DEFINED 185,763 1,403
9,166
TEXACO INC COM 881694103 808
15,153 SH OTHER 10,853 1,950
2,350
TEXAS INSTRUMENTS INC COM 882508104 23,033
335,328 SH DEFINED 334,316
1,012
TEXAS INSTRUMENTS INC COM 882508104 1,668
24,278 SH OTHER 22,312 1,366
600
TEXTRON INC COM 883203101 418
7,700 SH DEFINED 7,700
TEXTRON INC COM 883203101 489
9,000 SH OTHER
9,000
3 COM CORP COM 885535104 1,063
18,455 SH DEFINED 18,455
3 COM CORP COM 885535104 9
150 SH OTHER 150
TIFFANY & CO NEW COM COM 886547108 273
4,047 SH DEFINED 4,000
47
TIME WARNER INC COM 887315109 405
5,329 SH DEFINED 4,349
980
TIME WARNER INC COM 887315109 27
360 SH OTHER 360
TOPPS COMPANY COM 890786106 288
25,000 SH OTHER 25,000
TORCHMARK CORP COM 891027104 3,646
147,669 SH DEFINED 124,398
23,271
TORCHMARK CORP COM 891027104 7,794
315,693 SH OTHER 309,015 1,394
5,284
TRANSWITCH CORP COM 894065101 618
8,000 SH DEFINED 8,000
TRANSWITCH CORP COM 894065101 17
215 SH OTHER
215
TRI-CONTINENTAL CORP COM 895436103 279
11,053 SH DEFINED 11,053
TRICON GLOBAL RESTAURANTS COM 895953107 1,054
37,299 SH DEFINED 7,249
30,050
TRICON GLOBAL RESTAURANTS COM 895953107 16
560 SH OTHER 560
TRIBUNE CO NEW COM 896047107 700
20,000 SH DEFINED 20,000
TRIQUINT SEMICONDUCTOR INC COM 89674K103 957
10,000 SH DEFINED 10,000
TRIZEC HAHN CORPORATION SUB VTG 896938107 1,269
71,000 SH DEFINED 100
70,900
TRUSTMARK CORP COM 898402102 675
38,710 SH DEFINED 38,710
TYCO INTL LTD NEW COM 902124106 16,388
345,921 SH DEFINED 330,841
15,080
TYCO INTL LTD NEW COM 902124106 1,845
38,947 SH OTHER 34,173 3,493
1,281
TYSON FOODS CLASS A CL A 902494103 740
84,550 SH DEFINED 84,100
450
TYSON FOODS CLASS A CL A 902494103 10
1,100 SH OTHER
1,100
USX-MARATHON GRP COM NEW 902905827 2,832
113,000 SH DEFINED 112,900
100
USX-MARATHON GRP COM NEW 902905827 48
1,920 SH OTHER 1,350
570
UST INC COM 902911106 1,694
115,350 SH DEFINED 115,250
100
UST INC COM 902911106 35
2,400 SH OTHER 2,400
US BANCORP DEL COM 902973106 826
42,906 SH DEFINED 42,906
UNICOM CORPORATION COM 904911104 1,359
35,130 SH DEFINED 34,530
600
UNICOM CORPORATION COM 904911104 34
879 SH OTHER 100 779
UNION PACIFIC CORP COM 907818108 2,761
73,628 SH DEFINED 73,628
UNION PACIFIC CORP COM 907818108 246
6,557 SH OTHER 5,235 316
1,006
UNION PAC RES GROUP INC COM 907834105 1,238
56,259 SH DEFINED 56,259
UNION PAC RES GROUP INC COM 907834105 55
2,506 SH OTHER 2,506
UNION PLANTERS CORP COM 908068109 1,506
53,890 SH DEFINED 53,690
200
UNION PLANTERS CORP COM 908068109 5,465
195,605 SH OTHER 34,749
160,856
U S WEST INC NEW COM 91273H101 1,163
13,567 SH DEFINED 12,976
591
U S WEST INC NEW COM 91273H101 418
4,877 SH OTHER 3,651 630
596
UNITED TECHNOLOGIES CORP COM 913017109 2,519
42,779 SH DEFINED 42,719
60
UNITED TECHNOLOGIES CORP COM 913017109 820
13,932 SH OTHER 12,412 1,520
UNITEDHEALTH GROUP INC COM 91324P102 706
8,238 SH DEFINED 8,238
UNOCAL CORP COM 915289102 831
25,098 SH DEFINED 25,098
USINTERNETWORKING INC COM 917311805 8
400 SH DEFINED 400
USINTERNETWORKING INC COM 917311805 402
19,686 SH OTHER 19,686
V F CORP COM 918204108 1,465
61,514 SH DEFINED 61,364 150
V F CORP COM 918204108 343
14,400 SH OTHER 14,400
VAN KAMPEN OHIO QUALITY MUNI COM 920923109 108
7,200 SH DEFINED 7,200
VAN KAMPEN OHIO QUALITY MUNI COM 920923109 68
4,500 SH OTHER 4,500
VENATOR GROUP INC COM 922944103 131
12,800 SH DEFINED 12,800
VIAD CORP COM 92552R109 849
31,172 SH DEFINED 31,172
VIAD CORP COM 92552R109 71
2,600 SH OTHER 2,600
VIACOM INC CL B 925524308 7,222
105,913 SH DEFINED 101,127 4,678
108
VIACOM INC CL B 925524308 42
617 SH OTHER 217 400
VISIONAMERICA INC COM 92832C104 5
10,000 SH DEFINED 10,000
VITESSE SEMICONDUCTOR CORP COM 928497106 2,943
40,000 SH DEFINED 40,000
VODAFONE AIRTOUCH PLC, SPONSORED ADR 92857T107 1,794
42,962 SH DEFINED 40,272
2,690
VODAFONE AIRTOUCH PLC, SPONSORED ADR 92857T107 475
11,374 SH OTHER 7,640 3,734
VULCAN MATERIALS CO COM 929160109 12,854
301,108 SH DEFINED 300,460
648
VULCAN MATERIALS CO COM 929160109 6,023
141,085 SH OTHER 76,825 600
63,660
WACHOVIA CORP COM 929771103 1,164
21,463 SH DEFINED 20,178 360
925
WACHOVIA CORP COM 929771103 420
7,742 SH OTHER 5,586
2,156
WADDELL & REED FINL INC CL A CL A 930059100 151
4,592 SH DEFINED 4,592
WADDELL & REED FINL INC CL A CL A 930059100 662
20,168 SH OTHER 19,750 49
369
WADDELL & REED FINL INC CL B CL B 930059209 576
19,822 SH DEFINED 19,822
WADDELL & REED FINL INC CL B CL B 930059209 2,481
85,383 SH OTHER 83,578 217
1,588
WAL MART STORES INC COM 931142103 63,936
1,120,456 SH DEFINED 1,104,548 300
15,608
WAL MART STORES INC COM 931142103 7,169
125,635 SH OTHER 82,238 32,910
10,487
WALGREEN CO COM 931422109 1,054
32,800 SH DEFINED 32,500
300
WASHINGTON MUTUAL INC COM 939322103 1,018
35,335 SH DEFINED 35,225
110
WASHINGTON MUTUAL INC COM 939322103 29
1,008 SH OTHER 672 336
WASTE MANAGEMENT COM COM 94106L109 1,774
93,364 SH DEFINED 7,564
85,800
WATERS CORP COM 941848103 2,746
22,000 SH DEFINED 22,000
WATSON PHARMACEUTICALS INC COM 942683103 376
7,000 SH DEFINED 7,000
WAVO CORP COM 944027101 15
19,500 SH DEFINED
19,500
WEATHERFORD INTL INC NEW COM 947074100 480
12,000 SH DEFINED 12,000
WELLPOINT HEALTH NETWORKS INC COM 94973H108 290
4,000 SH DEFINED 4,000
WELLS FARGO & CO NEW COM 949746101 7,253
184,789 SH DEFINED 184,288
501
WELLS FARGO & CO NEW COM 949746101 1,097
27,954 SH OTHER 16,821 1,233
9,900
WESTWOOD ONE INC COM 961815107 1,229
36,000 SH DEFINED 36,000
WEYERHAEUSER CO COM 962166104 1,250
29,076 SH DEFINED 28,910 116
50
WEYERHAEUSER CO COM 962166104 100
2,329 SH OTHER 1,629
700
WILLIAMS COS INC COM 969457100 680
16,322 SH DEFINED 15,092
1,230
WILLIAMS COS INC COM 969457100 39
940 SH OTHER 819 121
WISCONSIN ENERGY CORP COM 976657106 475
23,955 SH DEFINED 22,955
1,000
WISCONSIN ENERGY CORP COM 976657106 36
1,811 SH OTHER 1,811
WORLDCOM INC GA NEW COM 98157D106 33,473
729,650 SH DEFINED 680,393 850
48,407
WORLDCOM INC GA NEW COM 98157D106 5,207
113,504 SH OTHER 79,145 3,684
30,675
WRIGLEY WM JR CO COM 982526105 3,063
38,202 SH DEFINED 37,952
250
WRIGLEY WM JR CO COM 982526105 489
6,100 SH OTHER 6,100
XEROX CORP COM 984121103 3,934
193,667 SH DEFINED 181,292 1,200
11,175
XEROX CORP COM 984121103 360
17,700 SH OTHER 10,700
7,000
YAHOO INC COM 984332106 9,707
78,358 SH DEFINED 75,090
3,268
YAHOO INC COM 984332106 50
400 SH OTHER 400
ZIONS BANCORPORATION COM 989701107 734
16,000 SH DEFINED 16,000
</TABLE>