REGIONS FINANCIAL CORP
13F-HR, 2000-08-11
NATIONAL COMMERCIAL BANKS
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<PAGE>
                               UNITED STATES
                      SECURITIES AND EXCHANGE COMMISSION
                           Washington, D.C. 20549

                                  FORM 13F

                             Form 13F COVER PAGE

Report for the Quarter Ended:  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
<TABLE>
<S>                           <C>           <C>      <C>        <C>               <C>       <C>
<C>                           <C>
COLUMN 1                      COLUMN 2      COLUMN 3 COLUMN 4   COLUMN 5          COLUMN 6  COLUMN 8
NAME OF ISSUER                TITLE OF CLASS         CUSIP      VALUE
SHRS OR SH/ PUT/                            INVESTMENT          VOTING AUTHORITY
                                                     (THOUSANDS)
PRN AMT PRN CALL                            DISCRETION          SOLE
SHARED                        NONE
GLOBAL CROSSING LTD           COM           G3921A100           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>



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