CULLEN FROST BANKERS INC
13F-HR, 1999-08-13
NATIONAL COMMERCIAL BANKS
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C.  20549

                                    FORM 13F

                               FORM 13F COVER PAGE

REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 6/30/99

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:    JEANIE WYATT
TITLE:   EXECUTIVE VICE PRESIDENT
ADDRESS: FROST NATIONAL BANK
         P.O. BOX 1600
         SAN ANTONIO, TX 78296

13F FILE NUMBER: 28-183
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:     STAN McCORMICK
TITLE:    COPORATE SECRETARY - SR. V.P.
PHONE:    210-220-4310
SIGNATURE,PLACE,AND DATE OF SIGNING:

/S/STAN McCORMICK                   SAN ANTONIO, TX          7/3/99


REPORT TYPE (CHECK ONLY ONE.):

( X)        13F HOLDINGS REPORT

(  )        13F NOTICE

(  )        13F COMBINATION REPORT


LIST OF OTHER MANAGERS REPORTING FOR THIS MANAGER:
  NONE


I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE ACT OF 1934.
<PAGE>
                              FORM 13F SUMMARY PAGE


REPORT SUMMARY:

NUMBER OF OTHER INCLUDED MANAGERS:        0

FORM 13F INFORMATION TABLE ENTRY TOTAL:   1473

FORM 13F INFORMATION TABLE VALUE TOTAL:           $2,468,581
<PAGE>
<TABLE>
<CAPTION>

                                                                FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X1000)  PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S>                            <C>              <C>          <C>      <C>   <C>      <C>                   <C>        <C>      <C>

H KEMPNER CERT OF BENE INTERES COMMON STOCK     999999998    19066    13503 SH       DEFINED               13302        0      201
H KEMPNER CERT OF BENE INTERES COMMON STOCK     999999998      983      696 SH       OTHER                     0        0      696
A T & T CORP COM *             COMMON STOCK     001957109    17767   318325 SH       DEFINED              317023      180     1122
A T & T CORP COM *             COMMON STOCK     001957109     1137    20375 SH       OTHER                 15917     4458        0
ABBOTT LABORATORIES COM *      COMMON STOCK     002824100     6095   134320 SH       DEFINED              130520        0     3800
ABBOTT LABORATORIES COM *      COMMON STOCK     002824100     2634    58050 SH       OTHER                 28250    23400     6400
ABC-NACO INC CORP COM          COMMON STOCK     000752105      588    28700 SH       DEFINED               28700        0        0
ABGENIX INC COM                COMMON STOCK     00339B107       17      865 SH       DEFINED                   0        0      865
ADC TELECOMMUNICATIONS INC COM COMMON STOCK     000886101        5      100 SH       DEFINED                 100        0        0
ADVANCED MICRO DEVICES COM     COMMON STOCK     007903107        1       58 SH       DEFINED                  58        0        0
ADVANTAGE LEARNING SYSTEMS INC COMMON STOCK     00757K100       12      550 SH       DEFINED                 550        0        0
AETNA INC COM                  COMMON STOCK     008117103        9      100 SH       DEFINED                 100        0        0
AETNA INC COM                  COMMON STOCK     008117103       27      300 SH       OTHER                     0      300        0
AFLAC INC COM *                COMMON STOCK     001055102     1785    37285 SH       DEFINED               37285        0        0
AFLAC INC COM *                COMMON STOCK     001055102      421     8800 SH       OTHER                  8800        0        0
AGCO CORP COM                  COMMON STOCK     001084102    11774  1040769 SH       DEFINED              986057        0    54712
AGCO CORP COM                  COMMON STOCK     001084102       87     7672 SH       OTHER                  7672        0        0
AGRIBRANDS INTL INC            COMMON STOCK     00849R105        5      120 SH       DEFINED                 120        0        0
AIR EXPRESS INTERNATIONAL CORP COMMON STOCK     009104100       69     2700 SH       OTHER                     0     1500     1200
AIR PRODUCTS & CHEMICALS INC C COMMON STOCK     009158106     9136   226992 SH       DEFINED              224262     2000      730
AIR PRODUCTS & CHEMICALS INC C COMMON STOCK     009158106     1205    29929 SH       OTHER                 29929        0        0
AIRGAS INC COM                 COMMON STOCK     009363102      766    62500 SH       DEFINED               62500        0        0
AIRTOUCH COMMUNICATIONS, INC ( COMMON STOCK     00949T100     1942    18064 SH       DEFINED               18064        0        0
AIRTOUCH COMMUNICATIONS, INC ( COMMON STOCK     00949T100      329     3060 SH       OTHER                  2660      400        0
ALBERTSON'S INC COM *          COMMON STOCK     013104104     5336   103477 SH       DEFINED               99877        0     3600
ALBERTSON'S INC COM *          COMMON STOCK     013104104      329     6375 SH       OTHER                  6375        0        0
ALCOA INC COM                  COMMON STOCK     013817101      447     7220 SH       DEFINED                6420        0      800
ALLEGHENY ENERGY INC COM       COMMON STOCK     017361106      291     9072 SH       DEFINED                9072        0        0
ALLEGHENY ENERGY INC COM       COMMON STOCK     017361106       42     1300 SH       OTHER                   300     1000        0
ALLEGHENY TELEDYNE INC COM     COMMON STOCK     017415100      123     5443 SH       DEFINED                5443        0        0
ALLIANT ENERGY CORP            COMMON STOCK     018802108       96     3400 SH       DEFINED                3400        0        0
ALLIED WASTE INDS INC COM NEW  COMMON STOCK     019589308       15      750 SH       DEFINED                 750        0        0
ALLIEDSIGNAL INC COM           COMMON STOCK     019512102     1109    17605 SH       DEFINED               16805        0      800
ALLIEDSIGNAL INC COM           COMMON STOCK     019512102       82     1300 SH       OTHER                     0        0     1300
ALLSTATE CORP COM              COMMON STOCK     020002101    11438   318841 SH       DEFINED              308293        0    10548
ALLSTATE CORP COM              COMMON STOCK     020002101      197     5499 SH       OTHER                  5499        0        0
ALLTEL CORP COM *              COMMON STOCK     020039103    78438  1097031 SH       DEFINED             1087278        0     9753
ALLTEL CORP COM *              COMMON STOCK     020039103     3907    54638 SH       OTHER                 53850      788        0
ALTERA CORP COM *              COMMON STOCK     021441100     9100   247212 SH       DEFINED              238492        0     8720
ALTERA CORP COM *              COMMON STOCK     021441100      136     3704 SH       OTHER                  3704        0        0
AMAZON.COM INC                 COMMON STOCK     023135106        4       35 SH       DEFINED                  35        0        0
AMEREN CORP COM                COMMON STOCK     023608102       46     1200 SH       DEFINED                1200        0        0
AMEREN CORP COM                COMMON STOCK     023608102       11      275 SH       OTHER                     0      275        0
AMERICA ONLINE INC DEL COM     COMMON STOCK     02364J104      386     3506 SH       DEFINED                2995        0      511
AMERICA ONLINE INC DEL COM     COMMON STOCK     02364J104       22      200 SH       OTHER                   200        0        0
AMERICAN BINGO & GAMING COM    COMMON STOCK     024596108        0      200 SH       DEFINED                 200        0        0
AMERICAN ELECTRIC POWER INC CO COMMON STOCK     025537101      494    13156 SH       DEFINED               13156        0        0
AMERICAN EXPRESS CO COM *      COMMON STOCK     025816109    13015   100023 SH       DEFINED               96173      700     3150
AMERICAN EXPRESS CO COM *      COMMON STOCK     025816109     1203     9245 SH       OTHER                  7770      850      625
AMERICAN FINANCIAL GROUP INC O COMMON STOCK     025932104      383    11245 SH       DEFINED               11245        0        0
AMERICAN GENERAL CORP COM *    COMMON STOCK     026351106    14966   198554 SH       DEFINED              194154        0     4400
AMERICAN GENERAL CORP COM *    COMMON STOCK     026351106     1125    14924 SH       OTHER                 14924        0        0
AMERICAN GREETINGS CORP CLASS  COMMON STOCK     026375105      804    26695 SH       DEFINED               26695        0        0
AMERICAN HOME PRODUCTS CORP CO COMMON STOCK     026609107    20505   357382 SH       DEFINED              352342      120     4920
AMERICAN HOME PRODUCTS CORP CO COMMON STOCK     026609107     1927    33585 SH       OTHER                 23185    10400        0
AMERICAN INDEMNITY FINANCIAL C COMMON STOCK     026759100       12      871 SH       DEFINED                 690        0      181
AMERICAN INDEMNITY FINANCIAL C COMMON STOCK     026759100      543    38095 SH       OTHER                     0    38095        0
AMERICAN INT'L GROUP INC COM * COMMON STOCK     026874107    13868   118273 SH       DEFINED              114186        0     4087
AMERICAN INT'L GROUP INC COM * COMMON STOCK     026874107     1217    10377 SH       OTHER                  9702        0      675
AMERICAN NATIONAL INSURANCE CO COMMON STOCK     028591105      529     7427 SH       DEFINED                3200        0     4227
AMERICAN POWER CONVERSION CORP COMMON STOCK     029066107       42     2100 SH       DEFINED                2100        0        0
AMERICAN RETIREMENT CORP COM   COMMON STOCK     028913101       13     1000 SH       DEFINED                1000        0        0
AMERITECH CORP COM *           COMMON STOCK     030954101     3640    49526 SH       DEFINED               48458        0     1068
AMERITECH CORP COM *           COMMON STOCK     030954101     1253    17046 SH       OTHER                 17046        0        0
AMES DEPARTMENT STORES INC COM COMMON STOCK     030789507     1159    25400 SH       DEFINED               25400        0        0
AMGEN INC COM *                COMMON STOCK     031162100     3357    55140 SH       DEFINED               55140        0        0
AMGEN INC COM *                COMMON STOCK     031162100      353     5800 SH       OTHER                  5800        0        0
AMLI RESIDENTIAL PROPERTIES TR COMMON STOCK     001735109       25     1100 SH       DEFINED                1100        0        0
AMR CORP DELAWARE COM          COMMON STOCK     001765106      253     3705 SH       DEFINED                3705        0        0
AMRESCO INC COM                COMMON STOCK     031909104        1      200 SH       DEFINED                 200        0        0
ANADARKO PETROLEUM CORP COM    COMMON STOCK     032511107       60     1625 SH       DEFINED                1625        0        0
ANADARKO PETROLEUM CORP COM    COMMON STOCK     032511107        7      200 SH       OTHER                     0        0      200
ANCHOR GAMING COM              COMMON STOCK     033037102      880    18300 SH       DEFINED               18300        0        0
ANDREW CORP COM *              COMMON STOCK     034425108     1759    92890 SH       DEFINED               92890        0        0
ANDREW CORP COM *              COMMON STOCK     034425108      196    10345 SH       OTHER                 10345        0        0
ANDRX CORP COM                 COMMON STOCK     034551101       77     1000 SH       OTHER                  1000        0        0
ANHEUSER BUSCH COS INC COM *   COMMON STOCK     035229103     8406   118499 SH       DEFINED              118499        0        0
ANHEUSER BUSCH COS INC COM *   COMMON STOCK     035229103      365     5150 SH       OTHER                  5150        0        0
AON CORP COM                   COMMON STOCK     037389103       70     1695 SH       DEFINED                   0     1695        0
APACHE CORP COM                COMMON STOCK     037411105       53     1348 SH       DEFINED                 250        0     1098
APACHE CORP COM                COMMON STOCK     037411105        4      100 SH       OTHER                     0        0      100
APPLE COMPUTER INC COM         COMMON STOCK     037833100       46     1000 SH       DEFINED                1000        0        0
APPLIED MATERIALS INC COM *    COMMON STOCK     038222105    10588   143317 SH       DEFINED              141402     1200      715
APPLIED MATERIALS INC COM *    COMMON STOCK     038222105      523     7076 SH       OTHER                  7076        0        0
APPLIED POWER INC CLASS A      COMMON STOCK     038225108      705    25800 SH       DEFINED               25800        0        0
ARCHER DANIELS MIDLAND CO COM  COMMON STOCK     039483102       71     4614 SH       DEFINED                4614        0        0
ARCHSTONE COMMUNITIES TRUST SB COMMON STOCK     039581103     1908    86988 SH       DEFINED               85388        0     1600
ARCHSTONE COMMUNITIES TRUST SB COMMON STOCK     039581103      416    18980 SH       OTHER                 18980        0        0
ARDEN REALTY GROUP INC COM     COMMON STOCK     039793104       17      700 SH       DEFINED                   0        0      700
ARGONAUT GROUP INC COM         COMMON STOCK     040157109       21      892 SH       DEFINED                 892        0        0
ARVIN INDUSTRIES INC COM       COMMON STOCK     043339100       12      325 SH       DEFINED                 325        0        0
ASCEND COMMUNICATIONS INC COM  COMMON STOCK     043491109       16      140 SH       DEFINED                 140        0        0
ASPEN TECHNOLOGY INC COM (DEL) COMMON STOCK     045327103       12     1000 SH       DEFINED                1000        0        0
ASSOCIATES FIRST CAPITAL CORP  COMMON STOCK     046008108     1690    38300 SH       DEFINED               37586        0      714
AT HOME CORP SERIES A          COMMON STOCK     045919107       41      754 SH       DEFINED                 754        0        0
AT HOME CORP SERIES A          COMMON STOCK     045919107       60     1112 SH       OTHER                  1112        0        0
AT&T CORP COM LIBERTY MEDIA GR COMMON STOCK     001957208     1066    28998 SH       DEFINED               28998        0        0
AT&T CORP COM LIBERTY MEDIA GR COMMON STOCK     001957208       12      340 SH       OTHER                   340        0        0
ATLANTIC RICHFIELD CO COM *    COMMON STOCK     048825103     1685    20168 SH       DEFINED               20118        0       50
ATLANTIC RICHFIELD CO COM *    COMMON STOCK     048825103     1374    16444 SH       OTHER                 13504      640     2300
ATRIX LABORATORIES INC COM     COMMON STOCK     04962L101        5      500 SH       DEFINED                   0        0      500
AURA SYSTEMS INC COM           COMMON STOCK     051526101        0      400 SH       DEFINED                   0        0      400
AUTODESK INC COM               COMMON STOCK     052769106      473    16000 SH       DEFINED               16000        0        0
AUTOLIV INC COM                COMMON STOCK     052800109       56     1841 SH       OTHER                  1023      818        0
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103     2492    56631 SH       DEFINED               56631        0        0
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103      220     5000 SH       OTHER                  3800     1200        0
AUTOZONE INC COM               COMMON STOCK     053332102        6      200 SH       DEFINED                 200        0        0
AUTOZONE INC COM               COMMON STOCK     053332102       18      600 SH       OTHER                   600        0        0
AVERY DENNISON CORP COM *      COMMON STOCK     053611109    12578   208327 SH       DEFINED              201547     2000     4780
AVERY DENNISON CORP COM *      COMMON STOCK     053611109     1467    24297 SH       OTHER                 24297        0        0
AVIRON COM                     COMMON STOCK     053762100       14      500 SH       DEFINED                 500        0        0
AVNET INC COM                  COMMON STOCK     053807103      119     2560 SH       DEFINED                2560        0        0
AVON PRODUCTS INC COM          COMMON STOCK     054303102        8      150 SH       DEFINED                 150        0        0
AVON PRODUCTS INC COM          COMMON STOCK     054303102       89     1600 SH       OTHER                  1600        0        0
AVX CORP COM                   COMMON STOCK     002444107      219     9000 SH       DEFINED                9000        0        0
AZTEC MANUFACTURING COMPANY CO COMMON STOCK     054825104        4      441 SH       DEFINED                 441        0        0
BAIRNCO CORP COM               COMMON STOCK     057097107        2      313 SH       DEFINED                 313        0        0
BAKER HUGHES INC COM *         COMMON STOCK     057224107     1687    50373 SH       DEFINED               50358        0       15
BAKER HUGHES INC COM *         COMMON STOCK     057224107      179     5331 SH       OTHER                  5331        0        0
BALL CORP COM                  COMMON STOCK     058498106       85     2000 SH       OTHER                     0     2000        0
BANK OF AMERICA CORP COM *     COMMON STOCK     060505104     7098    96824 SH       DEFINED               96824        0        0
BANK OF AMERICA CORP COM *     COMMON STOCK     060505104     1326    18082 SH       OTHER                 17177        0      905
BANK OF NEW YORK INC COM       COMMON STOCK     064057102       73     2000 SH       DEFINED                2000        0        0
BANK OF NEW YORK INC COM       COMMON STOCK     064057102      308     8400 SH       OTHER                     0     8400        0
BANK ONE CORP COM              COMMON STOCK     06423A103     1993    33462 SH       DEFINED               21811        0    11651
BANK ONE CORP COM              COMMON STOCK     06423A103      288     4840 SH       OTHER                     0     4840        0
BANKBOSTON CORP COM            COMMON STOCK     06605R106       62     1205 SH       DEFINED                1205        0        0
BASIN EXPLORATION INC COM      COMMON STOCK     070107107      554    27600 SH       DEFINED               27600        0        0
BASIN EXPLORATION INC COM      COMMON STOCK     070107107       20     1000 SH       OTHER                  1000        0        0
BATTLE MOUNTAIN GOLD COM       COMMON STOCK     071593107        1      520 SH       DEFINED                 243        0      277
BAXTER INTERNATIONAL INC COM * COMMON STOCK     071813109     2623    43261 SH       DEFINED               43261        0        0
BAXTER INTERNATIONAL INC COM * COMMON STOCK     071813109       36      591 SH       OTHER                   591        0        0
BAY BANCSHARES INC COM         COMMON STOCK     07203N109      101     6485 SH       DEFINED                6485        0        0
BECTON DICKINSON & CO COM *    COMMON STOCK     075887109     2193    73090 SH       DEFINED               67090        0     6000
BECTON DICKINSON & CO COM *    COMMON STOCK     075887109      419    13950 SH       OTHER                 13950        0        0
BELL ATLANTIC CORP COM *       COMMON STOCK     077853109     6984   106830 SH       DEFINED              105172        0     1658
BELL ATLANTIC CORP COM *       COMMON STOCK     077853109     1660    25394 SH       OTHER                 24042        0     1352
BELLSOUTH CORP COM *           COMMON STOCK     079860102     6322   137060 SH       DEFINED              134928        0     2132
BELLSOUTH CORP COM *           COMMON STOCK     079860102     1679    36393 SH       OTHER                 35665      728        0
BELLWETHER EXPLORATION CO COM  COMMON STOCK     079895207       20     3625 SH       DEFINED                3000        0      625
BELO A. H. CORP CLASS A        COMMON STOCK     080555105     1906    96801 SH       DEFINED               96801        0        0
BEMIS INC COM*                 COMMON STOCK     081437105      761    19135 SH       DEFINED               19135        0        0
BEMIS INC COM*                 COMMON STOCK     081437105      239     6000 SH       OTHER                     0     6000        0
BENTON OIL & GAS CO COM        COMMON STOCK     083288100        2     1000 SH       OTHER                     0        0     1000
BERGEN BRUNSWIG CORP CLASS A * COMMON STOCK     083739102     2152   124728 SH       DEFINED              121904     2824        0
BERGEN BRUNSWIG CORP CLASS A * COMMON STOCK     083739102      459    26630 SH       OTHER                 26630        0        0
BERKSHIRE HATHAWAY INC CLASS B COMMON STOCK     084670207     2020      902 SH       DEFINED                 866        0       36
BERKSHIRE HATHAWAY INC CLASS B COMMON STOCK     084670207      542      242 SH       OTHER                   242        0        0
BERKSHIRE HATHAWAY INC DEL CL  COMMON STOCK     084670108      207        3 SH       DEFINED                   1        0        2
BERKSHIRE REALTY INC COM       COMMON STOCK     084710102        5      400 SH       DEFINED                 400        0        0
BEST BUY COMPANY INC COM       COMMON STOCK     086516101       27      400 SH       OTHER                     0        0      400
BESTFOODS COM *                COMMON STOCK     08658U101     1035    20911 SH       DEFINED               20911        0        0
BESTFOODS COM *                COMMON STOCK     08658U101       79     1600 SH       OTHER                   300        0     1300
BILLING CONCEPTS CORP COM      COMMON STOCK     090063108       29     2600 SH       DEFINED                2600        0        0
BIOGEN INC COM                 COMMON STOCK     090597105       58      900 SH       DEFINED                 900        0        0
BIOMATRIX INC COM              COMMON STOCK     09060P102       32     1500 SH       DEFINED                 500        0     1000
BIOMET INC COM                 COMMON STOCK     090613100       40     1000 SH       DEFINED                   0        0     1000
BIOMET INC COM                 COMMON STOCK     090613100        4      100 SH       OTHER                   100        0        0
BLACK & DECKER CORP COM        COMMON STOCK     091797100       22      350 SH       DEFINED                 350        0        0
BLACK HILLS CORP COM           COMMON STOCK     092113109       21      900 SH       DEFINED                 900        0        0
BLOCK H & R INC COM            COMMON STOCK     093671105      150     3000 SH       DEFINED                3000        0        0
BMC SOFTWARE INC COM*          COMMON STOCK     055921100      397     7360 SH       DEFINED                7360        0        0
BMC SOFTWARE INC COM*          COMMON STOCK     055921100       32      600 SH       OTHER                   600        0        0
BOEING CO COM *                COMMON STOCK     097023105     1001    22742 SH       DEFINED               21642        0     1100
BOEING CO COM *                COMMON STOCK     097023105      107     2442 SH       OTHER                  2442        0        0
BOISE CASCADE CORP COM         COMMON STOCK     097383103        7      158 SH       DEFINED                 158        0        0
BOK FINANCIAL CORP COM         COMMON STOCK     05561Q201       26     1030 SH       DEFINED                1030        0        0
BORDERS GROUP INC COM          COMMON STOCK     099709107        6      355 SH       DEFINED                 355        0        0
BOYKIN LODGING CO COM          COMMON STOCK     103430104       17     1100 SH       DEFINED                1100        0        0
BRE PROPERTIES INC CLASS A     COMMON STOCK     05564E106       13      500 SH       DEFINED                 500        0        0
BRISTOL-MYERS SQUIBB CO COM *  COMMON STOCK     110122108     6869    97514 SH       DEFINED               94614        0     2900
BRISTOL-MYERS SQUIBB CO COM *  COMMON STOCK     110122108     1283    18220 SH       OTHER                 15020     1600     1600
BROADVISION INC COM            COMMON STOCK     111412102       37      500 SH       DEFINED                   0        0      500
BROWN SHOE INC NEW COM         COMMON STOCK     115736100      196     9000 SH       OTHER                  9000        0        0
BROWNING-FERRIS INDUSTRIES INC COMMON STOCK     115885105        6      130 SH       DEFINED                 130        0        0
BROWNING-FERRIS INDUSTRIES INC COMMON STOCK     115885105       13      300 SH       OTHER                     0        0      300
BUILDING MATERIALS HOLDING COR COMMON STOCK     120113105      302    26300 SH       DEFINED               26300        0        0
BURLINGTON INDUSTRIES INC NEW  COMMON STOCK     121693105        5      520 SH       DEFINED                 520        0        0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK     12189T104      203     6557 SH       DEFINED                6557        0        0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK     12189T104      549    17709 SH       OTHER                 15709     2000        0
BURLINGTON RESOURCES INC COM   COMMON STOCK     122014103      677    15660 SH       DEFINED               15660        0        0
BURLINGTON RESOURCES INC COM   COMMON STOCK     122014103       95     2191 SH       OTHER                     0      871     1320
BUTLER MANUFACTURING COMPANY C COMMON STOCK     123655102      112     4000 SH       OTHER                     0     2000     2000
CADENCE DESIGN SYSTEM INC COM  COMMON STOCK     127387108        4      317 SH       DEFINED                 317        0        0
CADENCE DESIGN SYSTEM INC COM  COMMON STOCK     127387108        4      317 SH       OTHER                   317        0        0
CALLAWAY GOLF CO COM           COMMON STOCK     131193104      484    33100 SH       DEFINED               33100        0        0
CAMDEN PROPERTY TRUST SBI      COMMON STOCK     133131102      342    12328 SH       DEFINED               12328        0        0
CAMDEN PROPERTY TRUST SBI      COMMON STOCK     133131102       37     1340 SH       OTHER                     0      640      700
CAMPBELL SOUP CO COM *         COMMON STOCK     134429109       34      725 SH       DEFINED                 725        0        0
CAMPBELL SOUP CO COM *         COMMON STOCK     134429109      212     4576 SH       OTHER                  2800     1776        0
CAPITAL AUTOMOTIVE REIT        COMMON STOCK     139733109    11953   902149 SH       DEFINED              861617        0    40532
CAPITAL AUTOMOTIVE REIT        COMMON STOCK     139733109       90     6827 SH       OTHER                  6827        0        0
CAPSTAR BROADCASTING CORP CLAS COMMON STOCK     14067G105       12      448 SH       DEFINED                   0        0      448
CARDINAL HEALTH INC COM        COMMON STOCK     14149Y108       38      600 SH       OTHER                   600        0        0
CARDIODYNAMICS INTERNATIONAL C COMMON STOCK     141597104        2      675 SH       DEFINED                 675        0        0
CAREY DIVERSIFIED LLC COM      COMMON STOCK     14174P105       17     1000 SH       DEFINED                1000        0        0
CARNIVAL CORPORATION COM*      COMMON STOCK     143658102     3262    67258 SH       DEFINED               65258     2000        0
CARNIVAL CORPORATION COM*      COMMON STOCK     143658102     1844    38020 SH       OTHER                 38020        0        0
CAROLINA POWER & LIGHT CO COM  COMMON STOCK     144141108      111     2600 SH       DEFINED                2600        0        0
CAROLINA POWER & LIGHT CO COM  COMMON STOCK     144141108       22      512 SH       OTHER                   512        0        0
CARRIAGE SERVICES INC CLASS A  COMMON STOCK     143905107      160     8566 SH       DEFINED                8566        0        0
CASCADE NATURAL GAS CORP COM   COMMON STOCK     147339105        0       10 SH       OTHER                    10        0        0
CASH AMERICA INTERNATIONAL INC COMMON STOCK     14754D100     1000    77670 SH       OTHER                 77670        0        0
CASTLE & COOKE INC NEW COM     COMMON STOCK     148433105        2       87 SH       DEFINED                  87        0        0
CATELLUS DEVELOPMENT CORP COM  COMMON STOCK     149111106      451    29600 SH       DEFINED               29600        0        0
CATERPILLAR INC COM *          COMMON STOCK     149123101       59      990 SH       DEFINED                 990        0        0
CATERPILLAR INC COM *          COMMON STOCK     149123101      297     4952 SH       OTHER                  3000     1852      100
CBS CORP COM                   COMMON STOCK     12490K107     1350    31000 SH       DEFINED               31000        0        0
CBS CORP COM                   COMMON STOCK     12490K107      125     2875 SH       OTHER                  2675        0      200
CEC ENTERTAINMENT INC COM      COMMON STOCK     125137109      794    18800 SH       DEFINED               18800        0        0
CELADON GROUP INC COM          COMMON STOCK     150838100       51     6000 SH       DEFINED                6000        0        0
CENDANT CORP COM               COMMON STOCK     151313103     1010    49250 SH       DEFINED               49150        0      100
CENTRAL & SOUTH WEST CORP COM  COMMON STOCK     152357109      901    38534 SH       DEFINED               38534        0        0
CENTRAL & SOUTH WEST CORP COM  COMMON STOCK     152357109      239    10218 SH       OTHER                 10218        0        0
CENTURYTEL INC COM             COMMON STOCK     156700106       18      450 SH       DEFINED                 450        0        0
CERUS CORP COM                 COMMON STOCK     157085101        2      100 SH       DEFINED                 100        0        0
CHANCELLOR MEDIA CORP COM      COMMON STOCK     158915108       17      300 SH       DEFINED                 300        0        0
CHARTER MUNICIPAL MORTGAGE ACC COMMON STOCK     160908109        9      675 SH       DEFINED                 675        0        0
CHARTER MUNICIPAL MORTGAGE ACC COMMON STOCK     160908109        9      676 SH       OTHER                   676        0        0
CHASE MANHATTAN CORP NEW COM * COMMON STOCK     16161A108     2243    25936 SH       DEFINED               25936        0        0
CHASE MANHATTAN CORP NEW COM * COMMON STOCK     16161A108      280     3239 SH       OTHER                   408     2831        0
CHELSEA GCA REALTY INC COM     COMMON STOCK     163262108       22      600 SH       DEFINED                 500        0      100
CHEVRON CORP COM *             COMMON STOCK     166751107    13178   138629 SH       DEFINED              135554        0     3075
CHEVRON CORP COM *             COMMON STOCK     166751107     1818    19126 SH       OTHER                 14080     4846      200
CHIQUITA BRANDS INTL INC COM   COMMON STOCK     170032106    13511  1501221 SH       DEFINED             1425567        0    75654
CHIQUITA BRANDS INTL INC COM   COMMON STOCK     170032106      128    14261 SH       OTHER                 14261        0        0
CHUBB CORP COM                 COMMON STOCK     171232101       14      200 SH       DEFINED                   0        0      200
CIENA CORP COM                 COMMON STOCK     171779101       30     1000 SH       DEFINED                   0        0     1000
CIGNA CORP COM                 COMMON STOCK     125509109      767     8614 SH       DEFINED                8614        0        0
CINCINNATI FINANCIAL CORP COM  COMMON STOCK     172062101       25      660 SH       DEFINED                 660        0        0
CIRCUIT CITY GROUP             COMMON STOCK     172737108      911     9800 SH       DEFINED                9800        0        0
CISCO SYSTEM INC COM *         COMMON STOCK     17275R102     8018   124430 SH       DEFINED              124330        0      100
CISCO SYSTEM INC COM *         COMMON STOCK     17275R102      849    13180 SH       OTHER                 12280      900        0
CIT GROUP INC CLASS A          COMMON STOCK     125577106     2241    77600 SH       DEFINED               77600        0        0
CITIGROUP INC COM *            COMMON STOCK     172967101    33371   702556 SH       DEFINED              689014     2730    10812
CITIGROUP INC COM *            COMMON STOCK     172967101     3714    78187 SH       OTHER                 72562     5625        0
CITIZENS UTILITIES CO DEL COM  COMMON STOCK     177342201       14     1277 SH       DEFINED                1277        0        0
CKE RESTAURANTS INC COM        COMMON STOCK     12561E105       33     2000 SH       OTHER                     0     1000     1000
CLAYTON HOMES INC COM *        COMMON STOCK     184190106     1671   146074 SH       DEFINED              143844        0     2230
CLAYTON HOMES INC COM *        COMMON STOCK     184190106      268    23442 SH       OTHER                 23442        0        0
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK     184502102     4020    58320 SH       DEFINED               58320        0        0
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK     184502102    10573   153368 SH       OTHER                153368        0        0
CLECO CORP                     COMMON STOCK     12561M107       23      742 SH       DEFINED                 142        0      600
CLECO CORP                     COMMON STOCK     12561M107       26      860 SH       OTHER                   860        0        0
CLOROX CO COM *                COMMON STOCK     189054109      910     8520 SH       DEFINED                8220        0      300
CLOROX CO COM *                COMMON STOCK     189054109      866     8109 SH       OTHER                  5009      400     2700
CMGI INC COM                   COMMON STOCK     125750109       13      110 SH       DEFINED                 110        0        0
CMGI INC COM                   COMMON STOCK     125750109        7       60 SH       OTHER                    60        0        0
CNA FINANCIAL CORP COM         COMMON STOCK     126117100       20      500 SH       DEFINED                 500        0        0
CNA SURETY CORP COM            COMMON STOCK     12612L108      462    30200 SH       DEFINED               30200        0        0
CNET INC COM                   COMMON STOCK     125945105      115     2000 SH       DEFINED                   0        0     2000
COASTAL BANCORP INC TEX        COMMON STOCK     19041P105       84     5000 SH       DEFINED                   0        0     5000
COASTAL CORP COM *             COMMON STOCK     190441105     3879    96385 SH       DEFINED               96385        0        0
COASTAL CORP COM *             COMMON STOCK     190441105     1596    39650 SH       OTHER                 39650        0        0
COCA COLA BOTTLING CO CONSOLID COMMON STOCK     191098102       25      448 SH       DEFINED                 448        0        0
COCA COLA CO COM *             COMMON STOCK     191216100    10442   168427 SH       DEFINED              167727        0      700
COCA COLA CO COM *             COMMON STOCK     191216100     2241    36140 SH       OTHER                 28040     3300     4800
COLGATE-PALMOLIVE CO COM *     COMMON STOCK     194162103    17688   179575 SH       DEFINED              176665        0     2910
COLGATE-PALMOLIVE CO COM *     COMMON STOCK     194162103      744     7555 SH       OTHER                  7555        0        0
COLONIAL PROPERTIES TRUST      COMMON STOCK     195872106       14      500 SH       DEFINED                 500        0        0
COLTEC INDUSTRIES INC COM      COMMON STOCK     196879100      494    22780 SH       DEFINED               22780        0        0
COLUMBIA ENERGY GROUP COMMON   COMMON STOCK     197648108        6      100 SH       DEFINED                 100        0        0
COLUMBIA/HCA HEALTHCARE CORP C COMMON STOCK     197677107       74     3236 SH       DEFINED                 182        0     3054
COMCAST CORP CLASS A SPECIAL   COMMON STOCK     200300200       12      300 SH       DEFINED                 300        0        0
COMERICA INC COM *             COMMON STOCK     200340107      551     9270 SH       DEFINED                9270        0        0
COMMERCE GROUP INC MASS COM    COMMON STOCK     200641108      146     6000 SH       DEFINED                6000        0        0
COMPAQ COMPUTER CORP COM *     COMMON STOCK     204493100    16038   677045 SH       DEFINED              664863     2900     9282
COMPAQ COMPUTER CORP COM *     COMMON STOCK     204493100      943    39802 SH       OTHER                 39502        0      300
COMPASS BANCSHARES INC COM     COMMON STOCK     20449H109     1247    45750 SH       DEFINED               45750        0        0
COMPUTER ASSOC INTERNATIONAL I COMMON STOCK     204912109       10      180 SH       DEFINED                 180        0        0
COMPUTER SCIENCES CORP COM *   COMMON STOCK     205363104    17278   249731 SH       DEFINED              245871      150     3710
COMPUTER SCIENCES CORP COM *   COMMON STOCK     205363104      867    12530 SH       OTHER                 12530        0        0
COMPUWARE CORP COM             COMMON STOCK     205638109       48     1500 SH       DEFINED                   0        0     1500
COMSAT CORP COM SER 1          COMMON STOCK     20564D107       16      500 SH       DEFINED                 500        0        0
CONAGRA INC COM                COMMON STOCK     205887102      441    16554 SH       DEFINED               16554        0        0
CONAGRA INC COM                COMMON STOCK     205887102      200     7500 SH       OTHER                  7500        0        0
CONOCO INC CLASS A             COMMON STOCK     208251306       10      350 SH       DEFINED                 350        0        0
CONSECO INC COM *              COMMON STOCK     208464107    28942   950881 SH       DEFINED              903141      600    47140
CONSECO INC COM *              COMMON STOCK     208464107      328    10789 SH       OTHER                 10789        0        0
CONSOLIDATED EDISON INC COM    COMMON STOCK     209115104      140     3100 SH       DEFINED                3000        0      100
CONSOLIDATED NATURAL GAS CORP  COMMON STOCK     209615103      569     9374 SH       DEFINED                9374        0        0
CONSOLIDATED NATURAL GAS CORP  COMMON STOCK     209615103      219     3600 SH       OTHER                  3400      200        0
CONSOLIDATED STORES CORP COM   COMMON STOCK     210149100       81     3000 SH       DEFINED                3000        0        0
CONSTELLATION ENERGY GROUP INC COMMON STOCK     210371100       24      800 SH       DEFINED                 800        0        0
CONSTELLATION ENERGY GROUP INC COMMON STOCK     210371100        9      300 SH       OTHER                   300        0        0
CONTINENTAL AIRLINES INC CLASS COMMON STOCK     210795209        0       10 SH       DEFINED                  10        0        0
CONTINENTAL AIRLINES INC CLASS COMMON STOCK     210795308        1       24 SH       DEFINED                  24        0        0
CONVERGYS CORP COM             COMMON STOCK     212485106      605    31200 SH       DEFINED               31200        0        0
COOPER INDUSTRIES INC COM      COMMON STOCK     216669101        8      150 SH       DEFINED                 150        0        0
CORDANT TECHNOLOGIES INC COM   COMMON STOCK     218412104       54     1200 SH       DEFINED                1200        0        0
CORDANT TECHNOLOGIES INC COM   COMMON STOCK     218412104      108     2400 SH       OTHER                  2000      400        0
CORN PRODUCTS INTERNATIONAL IN COMMON STOCK     219023108        8      271 SH       DEFINED                 271        0        0
CORN PRODUCTS INTERNATIONAL IN COMMON STOCK     219023108        5      162 SH       OTHER                     0        0      162
CORNING INC COM                COMMON STOCK     219350105     3043    43400 SH       DEFINED               43400        0        0
COST PLUS INC CALIF COM        COMMON STOCK     221485105     1338    29400 SH       DEFINED               29400        0        0
COSTCO COMPANIES INC COM       COMMON STOCK     22160Q102       24      300 SH       DEFINED                   0        0      300
COUNTRYWIDE CREDIT INDS INC CO COMMON STOCK     222372104       13      300 SH       DEFINED                   0        0      300
COVANCE INC COM                COMMON STOCK     222816100       12      500 SH       DEFINED                 500        0        0
COX COMMUNICATIONS INC CLASS A COMMON STOCK     224044107       14      368 SH       OTHER                     0        0      368
CRANE CO COM *                 COMMON STOCK     224399105     1441    45826 SH       DEFINED               43876     1950        0
CRANE CO COM *                 COMMON STOCK     224399105      667    21230 SH       OTHER                 21230        0        0
CRESCENT OPERATING INC COM     COMMON STOCK     22575M100        5      780 SH       DEFINED                 780        0        0
CRESCENT REAL EST EQTY TRUST   COMMON STOCK     225756105      637    26800 SH       DEFINED               26800        0        0
CRESCENT REAL EST EQTY TRUST   COMMON STOCK     225756105       70     2968 SH       OTHER                   168     1000     1800
CROSS TIMBERS ROYALTY TRUST    COMMON STOCK     22757R109      101    10000 SH       DEFINED               10000        0        0
CROSS TIMBERS ROYALTY TRUST    COMMON STOCK     22757R109       36     3600 SH       OTHER                     0     1800     1800
CROWN CORK & SEAL INC COM *    COMMON STOCK     228255105      167     5850 SH       DEFINED                5850        0        0
CROWN CORK & SEAL INC COM *    COMMON STOCK     228255105       17      600 SH       OTHER                   600        0        0
CSX CORP COM *                 COMMON STOCK     126408103      303     6680 SH       DEFINED                6680        0        0
CSX CORP COM *                 COMMON STOCK     126408103       18      400 SH       OTHER                   400        0        0
CULLEN/FROST BANKERS INC COM   COMMON STOCK     229899109    14606   529925 SH       DEFINED              446327    51060    32538
CULLEN/FROST BANKERS INC COM   COMMON STOCK     229899109     2202    79876 SH       OTHER                 65412    14464        0
CUMMINS ENGINE COMPANY INC COM COMMON STOCK     231021106       41      714 SH       DEFINED                 714        0        0
CVS CORP COM                   COMMON STOCK     126650100      208     4090 SH       DEFINED                4090        0        0
CYPRESS SEMICONDUCTOR CORP COM COMMON STOCK     232806109        2      100 SH       DEFINED                 100        0        0
CYTEC INDUSTRIES INC COM       COMMON STOCK     232820100       11      363 SH       DEFINED                 363        0        0
D R HORTON INC                 COMMON STOCK     23331A109        7      450 SH       DEFINED                 450        0        0
DARDEN RESTAURANTS INC COM     COMMON STOCK     237194105       53     2446 SH       DEFINED                2446        0        0
DARDEN RESTAURANTS INC COM     COMMON STOCK     237194105       74     3400 SH       OTHER                     0     3200      200
DAYTON HUDSON CORP COM *       COMMON STOCK     239753106    13998   215347 SH       DEFINED              209347        0     6000
DAYTON HUDSON CORP COM *       COMMON STOCK     239753106      814    12526 SH       OTHER                 12226        0      300
DEAN FOODS CO COM              COMMON STOCK     242361103      166     4000 SH       DEFINED                4000        0        0
DEERE & CO COM *               COMMON STOCK     244199105      171     4357 SH       DEFINED                4357        0        0
DEERE & CO COM *               COMMON STOCK     244199105       39     1000 SH       OTHER                     0        0     1000
DEL MONTE FOODS INC            COMMON STOCK     24522P103        3      200 SH       DEFINED                 200        0        0
DELL COMPUTER CORP COM*        COMMON STOCK     247025109     3883   104939 SH       DEFINED              100981        0     3958
DELL COMPUTER CORP COM*        COMMON STOCK     247025109      288     7780 SH       OTHER                  7780        0        0
DELPHI AUTOMOTIVE SYSTEMS CORP COMMON STOCK     247126105      103     5563 SH       DEFINED                5180        0      383
DELPHI AUTOMOTIVE SYSTEMS CORP COMMON STOCK     247126105       24     1291 SH       OTHER                  1291        0        0
DELUXE CORP COM                COMMON STOCK     248019101      250     6450 SH       DEFINED                6450        0        0
DELUXE CORP COM                COMMON STOCK     248019101       31      800 SH       OTHER                     0      800        0
DIAMOND OFFSHORE DRILLING INC  COMMON STOCK     25271C102        6      200 SH       DEFINED                 200        0        0
DIEBOLD INC COM *              COMMON STOCK     253651103     3454   120155 SH       DEFINED              119180      600      375
DIEBOLD INC COM *              COMMON STOCK     253651103       34     1175 SH       OTHER                  1175        0        0
DII GROUP INC COM              COMMON STOCK     232949107        9      238 SH       DEFINED                 238        0        0
DILLARDS INC CLASS A           COMMON STOCK     254067101     4927   140283 SH       DEFINED              135334        0     4949
DILLARDS INC CLASS A           COMMON STOCK     254067101       36     1012 SH       OTHER                  1012        0        0
DISNEY WALT CO COM *           COMMON STOCK     254687106     4872   158107 SH       DEFINED              158007        0      100
DISNEY WALT CO COM *           COMMON STOCK     254687106     1284    41686 SH       OTHER                 27417     7794     6475
DOMINION RESOURCES INC COM     COMMON STOCK     257470104      219     5050 SH       DEFINED                4850        0      200
DOUBLECLICK INC                COMMON STOCK     258609304       15      160 SH       DEFINED                 160        0        0
DOUBLECLICK INC                COMMON STOCK     258609304        4       40 SH       OTHER                    40        0        0
DOVER CORP COM *               COMMON STOCK     260003108      961    27455 SH       DEFINED               27455        0        0
DOVER CORP COM *               COMMON STOCK     260003108       70     2000 SH       OTHER                  2000        0        0
DOW CHEMICAL CO COM *          COMMON STOCK     260543103      341     2686 SH       DEFINED                2686        0        0
DOW CHEMICAL CO COM *          COMMON STOCK     260543103      149     1178 SH       OTHER                   878      300        0
DRIL-QUIP INC COM              COMMON STOCK     262037104       34     1500 SH       DEFINED                1500        0        0
DRYPERS CORPORATION COM        COMMON STOCK     262497308       10     3500 SH       DEFINED                3500        0        0
DTE ENERGY COMPANY COM         COMMON STOCK     233331107       48     1166 SH       OTHER                     0     1166        0
DU PONT E I DE NEMOURS & CO CO COMMON STOCK     263534109     7983   116866 SH       DEFINED              115866        0     1000
DU PONT E I DE NEMOURS & CO CO COMMON STOCK     263534109     1903    27862 SH       OTHER                 19662     7100     1100
DUKE ENERGY CORP *             COMMON STOCK     264399106     5059    92932 SH       DEFINED               92922        0       10
DUKE ENERGY CORP *             COMMON STOCK     264399106      339     6221 SH       OTHER                  6221        0        0
DUKE REALTY INVESTMENTS INC    COMMON STOCK     264411505       38     1700 SH       DEFINED                1700        0        0
DUN & BRADSTREET CORP DEL NEW  COMMON STOCK     26483B106       76     2134 SH       DEFINED                2134        0        0
E M C CORP MASSACHUSETTS COM * COMMON STOCK     268648102    11191   203468 SH       DEFINED              201978      400     1090
E M C CORP MASSACHUSETTS COM * COMMON STOCK     268648102      947    17210 SH       OTHER                 16210      800      200
E.SPIRE COMMUNICATIONS INC COM COMMON STOCK     269153102       24     2300 SH       DEFINED                2300        0        0
E.W. BLANCH HOLDINGS INC COM   COMMON STOCK     093210102       95     1400 SH       DEFINED                1400        0        0
E*TRADE GROUP INC COM          COMMON STOCK     269246104        6      150 SH       DEFINED                 150        0        0
EARTHGRAINS COMPANY COM        COMMON STOCK     270319106      155     5996 SH       DEFINED                5996        0        0
EASTERN UTILITIES ASSOCIATES   COMMON STOCK     277173100        9      300 SH       DEFINED                 300        0        0
EASTMAN CHEMICAL CO COM        COMMON STOCK     277432100        2       37 SH       DEFINED                  37        0        0
EASTMAN CHEMICAL CO COM        COMMON STOCK     277432100        3       56 SH       OTHER                    56        0        0
EASTMAN KODAK CO COM *         COMMON STOCK     277461109      936    13820 SH       DEFINED               13820        0        0
EASTMAN KODAK CO COM *         COMMON STOCK     277461109      159     2348 SH       OTHER                  2348        0        0
EATON CORP COM *               COMMON STOCK     278058102      935    10164 SH       DEFINED               10164        0        0
EATON CORP COM *               COMMON STOCK     278058102       22      240 SH       OTHER                   240        0        0
ECOLAB INC COM                 COMMON STOCK     278865100      233     5344 SH       DEFINED                5344        0        0
EDISON INTERNATIONAL COM*      COMMON STOCK     281020107      208     7758 SH       DEFINED                7758        0        0
EDWARDS A G INC COM *          COMMON STOCK     281760108      308     9545 SH       DEFINED                9545        0        0
EDWARDS A G INC COM *          COMMON STOCK     281760108       43     1324 SH       OTHER                  1324        0        0
EEX CORP NEW COM               COMMON STOCK     26842V207        1      124 SH       OTHER                     0        0      124
EG & G INC COM                 COMMON STOCK     268457108      107     3000 SH       DEFINED                3000        0        0
EL PASO ENERGY CORP DEL COM *  COMMON STOCK     283905107     3748   106501 SH       DEFINED              105623        0      878
EL PASO ENERGY CORP DEL COM *  COMMON STOCK     283905107      367    10428 SH       OTHER                 10012      416        0
ELCOR CORP COM                 COMMON STOCK     284443108      721    16500 SH       DEFINED               16500        0        0
ELECTRIC FUEL CORP COM         COMMON STOCK     284871100       22    13000 SH       DEFINED               13000        0        0
ELECTRONIC DATA SYSTEMS CORP C COMMON STOCK     285661104       17      298 SH       DEFINED                 298        0        0
ELECTRONIC DATA SYSTEMS CORP C COMMON STOCK     285661104       57     1000 SH       OTHER                  1000        0        0
ELI LILLY & CO COM *           COMMON STOCK     532457108     8270   115460 SH       DEFINED              114960        0      500
ELI LILLY & CO COM *           COMMON STOCK     532457108      822    11480 SH       OTHER                  9780     1600      100
EMERSON ELECTRIC CO COM *      COMMON STOCK     291011104     9260   147129 SH       DEFINED              144229     1000     1900
EMERSON ELECTRIC CO COM *      COMMON STOCK     291011104     2595    41238 SH       OTHER                 36238     1000     4000
ENCORE MEDICAL CORP            COMMON STOCK     29256E109       15     5000 SH       DEFINED                   0        0     5000
ENERGY EAST CORP COM           COMMON STOCK     29266M109       24      912 SH       DEFINED                 912        0        0
ENESCO GROUP INC COM           COMMON STOCK     292973104      116     5000 SH       DEFINED                5000        0        0
ENRON CORP COM *               COMMON STOCK     293561106    11673   142784 SH       DEFINED              141094      890      800
ENRON CORP COM *               COMMON STOCK     293561106     2098    25663 SH       OTHER                 24663        0     1000
ENRON OIL & GAS CO COM         COMMON STOCK     293562104        4      192 SH       DEFINED                 192        0        0
ENRON OIL & GAS CO COM         COMMON STOCK     293562104        2      100 SH       OTHER                     0        0      100
ENSCO INTERNATIONAL INC COM    COMMON STOCK     26874Q100       90     4500 SH       DEFINED                2000        0     2500
ENTERCOM COMMUNICATIONS CORP C COMMON STOCK     293639100        9      200 SH       DEFINED                 200        0        0
ENTERGY CORP NEW COM           COMMON STOCK     29364G103      293     9365 SH       DEFINED                9365        0        0
ENTERGY CORP NEW COM           COMMON STOCK     29364G103       47     1500 SH       OTHER                  1500        0        0
ENTERTAINMENT PROPERTIES TRUST COMMON STOCK     29380T105       18     1000 SH       DEFINED                1000        0        0
ENZO BIOCHEM INC COM           COMMON STOCK     294100102      194    19142 SH       DEFINED               19142        0        0
EPITOPE INC COM                COMMON STOCK     294261102        2      300 SH       OTHER                   300        0        0
EQUIFAX INC COM *              COMMON STOCK     294429105      238     6675 SH       DEFINED                6675        0        0
EQUIFAX INC COM *              COMMON STOCK     294429105       86     2400 SH       OTHER                  2400        0        0
EQUITABLE COS INC COM          COMMON STOCK     29444G107       22      332 SH       DEFINED                 332        0        0
ESCO ELECTRONICS CORP TRUST RE COMMON STOCK     269030201       16     1219 SH       DEFINED                1219        0        0
ESCO ELECTRONICS CORP TRUST RE COMMON STOCK     269030201        2      125 SH       OTHER                   125        0        0
ETEC SYSTEMS INC COM           COMMON STOCK     26922C103       17      500 SH       OTHER                     0      500        0
ETHAN ALLEN INTERIORS INC COM  COMMON STOCK     297602104      863    22850 SH       DEFINED               22850        0        0
EXODUS COMMUNICATIONS INC      COMMON STOCK     302088109      120     1000 SH       DEFINED                   0        0     1000
EXXON CORP COM *               COMMON STOCK     302290101    30203   391614 SH       DEFINED              386614        0     5000
EXXON CORP COM *               COMMON STOCK     302290101     8085   104833 SH       OTHER                 95565     6868     2400
F N B CORP PA COM              COMMON STOCK     302520101      282    10450 SH       DEFINED               10450        0        0
FANNIE MAE *                   COMMON STOCK     313586109    45466   666171 SH       DEFINED              634935        0    31236
FANNIE MAE *                   COMMON STOCK     313586109     2105    30838 SH       OTHER                 28083     1755     1000
FDX CORP COM                   COMMON STOCK     31304N107       54     1000 SH       DEFINED                1000        0        0
FEDERAL REALTY INVESTMENT TRUS COMMON STOCK     313747206       23     1000 SH       DEFINED                1000        0        0
FEDERATED INVESTORS INC        COMMON STOCK     314211103        7      400 SH       DEFINED                 400        0        0
FELCOR LODGING TRUST INC       COMMON STOCK     31430F101       10      500 SH       DEFINED                 500        0        0
FIDELITY NATIONAL FINANCIAL IN COMMON STOCK     316326107      675    33767 SH       DEFINED               33767        0        0
FINANCIAL SEC ASSURANCE HOLDIN COMMON STOCK     31769P100      313     6010 SH       DEFINED                6010        0        0
FINISH LINE INC CLASS A        COMMON STOCK     317923100      593    52700 SH       DEFINED               52700        0        0
FIRST AMERICAN CORP TENNESSEE  COMMON STOCK     318900107      195     4680 SH       DEFINED                   0        0     4680
FIRST AMERICAN CORP TENNESSEE  COMMON STOCK     318900107      109     2630 SH       OTHER                  2630        0        0
FIRST CITY FINANCIAL CORP COM  COMMON STOCK     33761X107        0        7 SH       DEFINED                   7        0        0
FIRST DATA CORP COM *          COMMON STOCK     319963104      333     6800 SH       DEFINED                6575        0      225
FIRST DATA CORP COM *          COMMON STOCK     319963104      113     2300 SH       OTHER                  2300        0        0
FIRST FED FINL CORP OF KENTUCK COMMON STOCK     319961108       50     2200 SH       DEFINED                2200        0        0
FIRST FEDERAL BANCSHARES ARK I COMMON STOCK     32020F105        9      500 SH       OTHER                   500        0        0
FIRST UNION CORP COM *         COMMON STOCK     337358105     3016    64003 SH       DEFINED               63903        0      100
FIRST UNION CORP COM *         COMMON STOCK     337358105      130     2754 SH       OTHER                  2754        0        0
FIRST UNION REAL ESTATE EQUITY COMMON STOCK     337400105       23     5096 SH       DEFINED                5096        0        0
FIRSTAR CORP NEW WIS COM       COMMON STOCK     33763V109      378    13500 SH       DEFINED               13500        0        0
FIRSTAR CORP NEW WIS COM       COMMON STOCK     33763V109       76     2700 SH       OTHER                  2700        0        0
FIRSTENERGY CORP COM           COMMON STOCK     337932107      234     7544 SH       DEFINED                7544        0        0
FIRSTENERGY CORP COM           COMMON STOCK     337932107       16      532 SH       OTHER                   532        0        0
FIRSTFED AMERICA BANCORP INC C COMMON STOCK     337929103        5      384 SH       DEFINED                 384        0        0
FISERV INC COM *               COMMON STOCK     337738108     1962    62659 SH       DEFINED               62659        0        0
FISERV INC COM *               COMMON STOCK     337738108       45     1424 SH       OTHER                  1424        0        0
FLEET FINANCIAL GROUP INC COM  COMMON STOCK     338915101     4065    91612 SH       DEFINED               88270        0     3342
FLEET FINANCIAL GROUP INC COM  COMMON STOCK     338915101      324     7292 SH       OTHER                  7240        0       52
FLORIDA PROGRESS CORP COM      COMMON STOCK     341109106       33      800 SH       DEFINED                 800        0        0
FLOWERS INDUSTRIES INC COM*    COMMON STOCK     343496105     6307   290799 SH       DEFINED              279674        0    11125
FLOWERS INDUSTRIES INC COM*    COMMON STOCK     343496105      329    15154 SH       OTHER                 15154        0        0
FLUOR CORP COM                 COMMON STOCK     343861100       41     1000 SH       DEFINED                1000        0        0
FONAR CORP COM                 COMMON STOCK     344437108        0       96 SH       DEFINED                  96        0        0
FOODMAKER INC COM              COMMON STOCK     344839204      752    26500 SH       DEFINED               26500        0        0
FORD MOTOR CO DELAWARE COM *   COMMON STOCK     345370100     3676    65130 SH       DEFINED               63371      100     1659
FORD MOTOR CO DELAWARE COM *   COMMON STOCK     345370100       85     1500 SH       OTHER                  1500        0        0
FOREST LABORATORIES INC COM *  COMMON STOCK     345838106        5      100 SH       DEFINED                 100        0        0
FOREST OIL CORP COM            COMMON STOCK     346091606        0       10 SH       DEFINED                  10        0        0
FORT JAMES CORP COM            COMMON STOCK     347471104      315     8308 SH       DEFINED                8308        0        0
FORTUNE BRANDS INC COM *       COMMON STOCK     349631101     2124    51326 SH       DEFINED               51326        0        0
FORTUNE BRANDS INC COM *       COMMON STOCK     349631101      468    11320 SH       OTHER                 11320        0        0
FOX ENTERTAINMENT GROUP INC CL COMMON STOCK     35138T107       32     1200 SH       DEFINED                1200        0        0
FPL GROUP INC COM *            COMMON STOCK     302571104     1100    20134 SH       DEFINED               20134        0        0
FPL GROUP INC COM *            COMMON STOCK     302571104       38      700 SH       OTHER                   700        0        0
FREDDIE MAC *                  COMMON STOCK     313400301     2483    42813 SH       DEFINED               42213        0      600
FREDDIE MAC *                  COMMON STOCK     313400301       75     1300 SH       OTHER                  1300        0        0
FREEPORT-MCMORAN COPPER & GOLD COMMON STOCK     35671D857        3      145 SH       DEFINED                 145        0        0
FRONTIER CORP COM              COMMON STOCK     35906P105       94     1600 SH       DEFINED                1600        0        0
FRUIT OF THE LOOM INC CLASS A  COMMON STOCK     G3682L105       10     1050 SH       DEFINED                1050        0        0
FURNITURE BRANDS INTERNATIONAL COMMON STOCK     360921100       11      400 SH       DEFINED                 400        0        0
FVC.COM INC                    COMMON STOCK     30266P100        2      300 SH       OTHER                   300        0        0
GABLES RESIDENTIAL TRUST       COMMON STOCK     362418105        7      275 SH       DEFINED                 275        0        0
GALILEO INTERNATIONAL INC COM  COMMON STOCK     363547100      577    10800 SH       DEFINED               10800        0        0
GANNETT CO COM                 COMMON STOCK     364730101      603     8450 SH       DEFINED                8450        0        0
GAP INC COM *                  COMMON STOCK     364760108     6951   137988 SH       DEFINED              137718      270        0
GAP INC COM *                  COMMON STOCK     364760108      184     3653 SH       OTHER                  3653        0        0
GARDEN RIDGE CORP COM          COMMON STOCK     36541P104       19     4000 SH       DEFINED                4000        0        0
GATX CORP COM                  COMMON STOCK     361448103       14      372 SH       OTHER                     0      372        0
GENCORP INC COM                COMMON STOCK     368682100        0       19 SH       OTHER                    19        0        0
GENERAL COMMUNICATION INC CLAS COMMON STOCK     369385109        2      300 SH       DEFINED                 300        0        0
GENERAL DYNAMICS CORP COM      COMMON STOCK     369550108        6       84 SH       DEFINED                  84        0        0
GENERAL ELECTRIC CO COM *      COMMON STOCK     369604103    50984   451185 SH       DEFINED              442705      580     7900
GENERAL ELECTRIC CO COM *      COMMON STOCK     369604103     7801    69032 SH       OTHER                 51292     8340     9400
GENERAL MILLS INC COM          COMMON STOCK     370334104      786     9781 SH       DEFINED                9781        0        0
GENERAL MILLS INC COM          COMMON STOCK     370334104      418     5200 SH       OTHER                   800     4200      200
GENERAL MOTORS CORP CLASS H NE COMMON STOCK     370442832       28      502 SH       DEFINED                 502        0        0
GENERAL MOTORS CORP CLASS H NE COMMON STOCK     370442832        5       95 SH       OTHER                    95        0        0
GENERAL MOTORS CORP COM        COMMON STOCK     370442105     1081    16372 SH       DEFINED               15822        0      550
GENERAL MOTORS CORP COM        COMMON STOCK     370442105       94     1420 SH       OTHER                  1420        0        0
GENESIS HEALTH VENTURES INC CO COMMON STOCK     371912106        1      400 SH       DEFINED                 400        0        0
GENUINE PARTS CO COM           COMMON STOCK     372460105      177     5050 SH       DEFINED                5050        0        0
GENUINE PARTS CO COM           COMMON STOCK     372460105       39     1125 SH       OTHER                  1125        0        0
GENZYME CORP-GENERAL DIVISION  COMMON STOCK     372917104       46      950 SH       DEFINED                 950        0        0
GEORGIA PACIFIC TIMBER GROUP C COMMON STOCK     373298702       28     1100 SH       DEFINED                1100        0        0
GEORGIA-PACIFIC CORP COM *     COMMON STOCK     373298108      114     2400 SH       DEFINED                2400        0        0
GERON CORP COM                 COMMON STOCK     374163103        5      500 SH       DEFINED                 500        0        0
GIANT INDUSTRIES INC COM       COMMON STOCK     374508109       34     3422 SH       DEFINED                3422        0        0
GILLETTE CO COM *              COMMON STOCK     375766102     2344    57175 SH       DEFINED               55635        0     1540
GILLETTE CO COM *              COMMON STOCK     375766102      713    17400 SH       OTHER                 13400     1000     3000
GLATFELTER P. H. CO COM        COMMON STOCK     377316104      176    12000 SH       DEFINED               12000        0        0
GLOBAL CROSSING LTD COM        COMMON STOCK     G3921A100       70     1650 SH       DEFINED                1150        0      500
GLOBAL CROSSING LTD COM        COMMON STOCK     G3921A100        9      200 SH       OTHER                   200        0        0
GLOBAL INDUSTRIAL TECHNOLOGIES COMMON STOCK     379335102        2      140 SH       DEFINED                 140        0        0
GLOBAL MARINE INC COM NEW      COMMON STOCK     379352404       26     1700 SH       DEFINED                1700        0        0
GOLDEN TRIANGLE INDUSTRIES INC COMMON STOCK     381214402        0       18 SH       DEFINED                  18        0        0
GOLDMAN SACHS GROUP INC COM    COMMON STOCK     38141G104       51      700 SH       DEFINED                 700        0        0
GOLDMAN SACHS GROUP INC COM    COMMON STOCK     38141G104      217     3000 SH       OTHER                  3000        0        0
GOODYEAR TIRE & RUBBER CO COM  COMMON STOCK     382550101       72     1230 SH       DEFINED                1230        0        0
GORMAN RUPP CO COM             COMMON STOCK     383082104       11      675 SH       OTHER                     0      675        0
GO2NET INC COM                 COMMON STOCK     383486107       92     1000 SH       DEFINED                   0        0     1000
GRACE W R & CO NEW COM         COMMON STOCK     38388F108        3      175 SH       DEFINED                 175        0        0
GRACE W R & CO NEW COM         COMMON STOCK     38388F108       56     2962 SH       OTHER                  2962        0        0
GRAINGER W W INC COM           COMMON STOCK     384802104      535     9945 SH       DEFINED                9945        0        0
GRANITE CONSTRUCTION INC COM   COMMON STOCK     387328107     1010    34450 SH       DEFINED               34450        0        0
GREAT LAKES CHEMICAL CORP COM  COMMON STOCK     390568103        5      117 SH       DEFINED                 117        0        0
GREATER BAY BANCORP COM        COMMON STOCK     391648102      509    15300 SH       DEFINED               15300        0        0
GROUP MAINTENANCE AMERICA CORP COMMON STOCK     39943E107      522    40311 SH       DEFINED               40311        0        0
GTE CORP COM *                 COMMON STOCK     362320103    15240   201858 SH       DEFINED              197206        0     4652
GTE CORP COM *                 COMMON STOCK     362320103     1339    17739 SH       OTHER                 17739        0        0
GYMBOREE CORP COM              COMMON STOCK     403777105      408    38900 SH       DEFINED               38900        0        0
HALLIBURTON CO COM *           COMMON STOCK     406216101     1551    34274 SH       DEFINED               33399        0      875
HALLIBURTON CO COM *           COMMON STOCK     406216101      801    17700 SH       OTHER                 13000     3000     1700
HALTER MARINE GROUP INC COM    COMMON STOCK     40642Y105       24     3550 SH       DEFINED                2000        0     1550
HARLEY-DAVIDSON INC COM *      COMMON STOCK     412822108      110     2018 SH       DEFINED                2018        0        0
HARLEY-DAVIDSON INC COM *      COMMON STOCK     412822108       92     1700 SH       OTHER                   900        0      800
HARRAH'S ENTERTAINMENT INC COM COMMON STOCK     413619107        4      200 SH       DEFINED                   0        0      200
HARTE-HANKS, INC. COMMON STOCK COMMON STOCK     416196103       54     2000 SH       DEFINED                2000        0        0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104     1240    21270 SH       DEFINED               21270        0        0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104      140     2400 SH       OTHER                     0        0     2400
HASBRO INC COM *               COMMON STOCK     418056107     9967   356770 SH       DEFINED              345270     3000     8500
HASBRO INC COM *               COMMON STOCK     418056107      375    13420 SH       OTHER                 13420        0        0
HCC INSURANCE HOLDINGS INC COM COMMON STOCK     404132102    17137   755365 SH       DEFINED              708985        0    46380
HCC INSURANCE HOLDINGS INC COM COMMON STOCK     404132102      104     4603 SH       OTHER                  4603        0        0
HEALTHCARE REALTY TRUST INC CO COMMON STOCK     421946104       18      851 SH       DEFINED                 511        0      340
HEALTHSOUTH CORP COM *         COMMON STOCK     421924101     1333    89645 SH       DEFINED               84605     5000       40
HEALTHSOUTH CORP COM *         COMMON STOCK     421924101      268    18000 SH       OTHER                 18000        0        0
HEARST-ARGYLE TELEVISION INC C COMMON STOCK     422317107       49     2025 SH       DEFINED                2025        0        0
HEINZ H. J. CO COM*            COMMON STOCK     423074103     1095    21850 SH       DEFINED               21850        0        0
HEINZ H. J. CO COM*            COMMON STOCK     423074103      248     4950 SH       OTHER                  3750     1200        0
HELEN OF TROY CORP LTD NEW COM COMMON STOCK     G4388N106      640    35700 SH       DEFINED               35700        0        0
HERBALIFE INTERNATIONAL CLASS  COMMON STOCK     426908208        2      166 SH       DEFINED                 166        0        0
HERBALIFE INTERNATIONAL INC CL COMMON STOCK     426908307        3      333 SH       DEFINED                 333        0        0
HERSHEY FOODS CORP COM *       COMMON STOCK     427866108      401     6750 SH       DEFINED                6750        0        0
HERSHEY FOODS CORP COM *       COMMON STOCK     427866108      119     2000 SH       OTHER                   400        0     1600
HEWLETT PACKARD CO COM (DEL)*  COMMON STOCK     428236103     7590    75520 SH       DEFINED               73720        0     1800
HEWLETT PACKARD CO COM (DEL)*  COMMON STOCK     428236103     1740    17310 SH       OTHER                 17310        0        0
HIBBETT SPORTING GOODS INC COM COMMON STOCK     428565105      389    17700 SH       DEFINED               17700        0        0
HIBERNIA CORP CLASS A          COMMON STOCK     428656102       16     1000 SH       DEFINED                1000        0        0
HIGHLANDS INSURANCE GROUP INC  COMMON STOCK     431032101       11     1000 SH       OTHER                  1000        0        0
HILFIGER TOMMY CORP COM *      COMMON STOCK     G8915Z102     1322    18050 SH       DEFINED               17050     1000        0
HILFIGER TOMMY CORP COM *      COMMON STOCK     G8915Z102      580     7920 SH       OTHER                  7920        0        0
HILLENBRAND INDUSTRIES INC COM COMMON STOCK     431573104      216     5000 SH       DEFINED                5000        0        0
HILTON HOTELS CORP COM         COMMON STOCK     432848109        6      400 SH       DEFINED                   0        0      400
HOME DEPOT INC COM *           COMMON STOCK     437076102     8207   127366 SH       DEFINED              124266        0     3100
HOME DEPOT INC COM *           COMMON STOCK     437076102       77     1200 SH       OTHER                  1200        0        0
HON INDUSTRIES INC COM         COMMON STOCK     438092108     5262   180269 SH       DEFINED              173777        0     6492
HON INDUSTRIES INC COM         COMMON STOCK     438092108       42     1422 SH       OTHER                  1422        0        0
HONEYWELL INC COM *            COMMON STOCK     438506107     2929    25274 SH       DEFINED               25274        0        0
HONEYWELL INC COM *            COMMON STOCK     438506107       37      320 SH       OTHER                   320        0        0
HOSPITALITY PROPERTIES TRUST   COMMON STOCK     44106M102       16      585 SH       DEFINED                   0        0      585
HOUSEHOLD INTERNATIONAL CORP C COMMON STOCK     441815107      214     4510 SH       DEFINED                4510        0        0
HRPT PROPERTIES TRUST          COMMON STOCK     40426W101       48     3150 SH       DEFINED                3150        0        0
HRPT PROPERTIES TRUST          COMMON STOCK     40426W101      148     9636 SH       OTHER                  9636        0        0
HSB GROUP INC COM              COMMON STOCK     40428N109      284     6900 SH       OTHER                     0     6900        0
HUGHES SUPPLY INC COM          COMMON STOCK     444482103       11      354 SH       DEFINED                 354        0        0
HUMAN GENOME SCIENCES INC COM  COMMON STOCK     444903108        4      100 SH       DEFINED                   0        0      100
HUSSMANN INTERNATIONAL INC COM COMMON STOCK     448110106        2      100 SH       DEFINED                 100        0        0
I 2 TECHNOLOGIES INC COM       COMMON STOCK     465754109       43     1000 SH       DEFINED                1000        0        0
IBP INC COM                    COMMON STOCK     449223106    32907  1385568 SH       DEFINED             1301906        0    83662
IBP INC COM                    COMMON STOCK     449223106      209     8804 SH       OTHER                  8804        0        0
ICN PHARMACEUTICALS INC NEW    COMMON STOCK     448924100       36     1130 SH       DEFINED                1130        0        0
IDACORP INC COM                COMMON STOCK     451107106       35     1100 SH       OTHER                  1100        0        0
IDEC PHARMACEUTICALS CORP COM  COMMON STOCK     449370105       15      200 SH       DEFINED                 200        0        0
IKON OFFICE SOLUTIONS INC COM  COMMON STOCK     451713101      366    24400 SH       DEFINED               24400        0        0
ILEX ONCOLOGY INC COM          COMMON STOCK     451923106      103    10300 SH       DEFINED               10300        0        0
ILLINOIS TOOL WORKS INC COM *  COMMON STOCK     452308109     1226    15000 SH       DEFINED               15000        0        0
ILLINOIS TOOL WORKS INC COM *  COMMON STOCK     452308109      474     5800 SH       OTHER                  5800        0        0
ILLINOVA CORP COM              COMMON STOCK     452317100    11325   415603 SH       DEFINED              389693        0    25910
ILLINOVA CORP COM              COMMON STOCK     452317100       85     3134 SH       OTHER                  3134        0        0
IMATION CORP COM               COMMON STOCK     45245A107       15      610 SH       DEFINED                 610        0        0
IMATION CORP COM               COMMON STOCK     45245A107       14      579 SH       OTHER                     0      579        0
IMATRON INC COM                COMMON STOCK     452906100        0      200 SH       DEFINED                   0        0      200
IMC GLOBAL, INC                COMMON STOCK     449669100        1       30 SH       DEFINED                  30        0        0
IMPERIAL SUGAR CO NEW COM      COMMON STOCK     453096109    14501  2090270 SH       DEFINED             1860003   229817      450
IMPERIAL SUGAR CO NEW COM      COMMON STOCK     453096109     1045   150650 SH       OTHER                150650        0        0
IMS HEALTH INC COM             COMMON STOCK     449934108      306     9800 SH       DEFINED                9800        0        0
IMS HEALTH INC COM             COMMON STOCK     449934108       31     1000 SH       OTHER                     0     1000        0
INDYMAC MORTGAGE HOLDINGS INC  COMMON STOCK     456607100        3      200 SH       DEFINED                 200        0        0
INFINITY BROADCASTING CORP CLA COMMON STOCK     45662S102       15      500 SH       DEFINED                 500        0        0
INFORMATION RESOURCES INC COM  COMMON STOCK     456905108       13     1500 SH       DEFINED                1500        0        0
INFORMIX CORP COM              COMMON STOCK     456779107       34     4000 SH       OTHER                  4000        0        0
INGERSOLL-RAND CO COM *        COMMON STOCK     456866102    14528   224803 SH       DEFINED              217323     1500     5980
INGERSOLL-RAND CO COM *        COMMON STOCK     456866102     1496    23150 SH       OTHER                 23150        0        0
INGLES MARKETS INC CLASS A     COMMON STOCK     457030104       61     4000 SH       OTHER                     0     2000     2000
INHALE THERAPEUTIC SYSTEMS INC COMMON STOCK     457191104       38     1600 SH       DEFINED                1600        0        0
INPUT/OUTPUT INC COM           COMMON STOCK     457652105        3      400 SH       DEFINED                 400        0        0
INPUT/OUTPUT INC COM           COMMON STOCK     457652105        4      500 SH       OTHER                     0        0      500
INSPIRE INSURANCE SOLUTIONS IN COMMON STOCK     457732105       16     1100 SH       OTHER                  1100        0        0
INSTRON CORP COM               COMMON STOCK     457776102        6      309 SH       DEFINED                 309        0        0
INT'L BUSINESS MACHINES CORP C COMMON STOCK     459200101    27456   212427 SH       DEFINED              205057     1800     5570
INT'L BUSINESS MACHINES CORP C COMMON STOCK     459200101     2020    15628 SH       OTHER                 11244     4384        0
INT'L FLAVORS & FRAGRANCES INC COMMON STOCK     459506101      438     9950 SH       DEFINED                9950        0        0
INT'L FLAVORS & FRAGRANCES INC COMMON STOCK     459506101      180     4100 SH       OTHER                   500     3600        0
INTEGRATED ELECTRICAL SERVICES COMMON STOCK     45811E103       40     2500 SH       DEFINED                2500        0        0
INTEL CORP COM *               COMMON STOCK     458140100    11661   195977 SH       DEFINED              186477      300     9200
INTEL CORP COM *               COMMON STOCK     458140100     1884    31658 SH       OTHER                 25858     1600     4200
INTERNATIONAL BANCSHARES CORP  COMMON STOCK     459044103       53     1250 SH       DEFINED                1250        0        0
INTERNATIONAL MULTIFOODS CORP  COMMON STOCK     460043102      648    28700 SH       DEFINED               28700        0        0
INTERNATIONAL PAPER CO COM *   COMMON STOCK     460146103     1190    23689 SH       DEFINED               23689        0        0
INTERNATIONAL PAPER CO COM *   COMMON STOCK     460146103      161     3200 SH       OTHER                  3200        0        0
INTERPUBLIC GROUP COS INC COM  COMMON STOCK     460690100      208     2400 SH       DEFINED                2400        0        0
INTERTAN INC                   COMMON STOCK     461120107        0       10 SH       DEFINED                  10        0        0
INTUIT INC COM                 COMMON STOCK     461202103       11      120 SH       DEFINED                 120        0        0
IOMEGA CORP COM                COMMON STOCK     462030107        6     1200 SH       DEFINED                1200        0        0
IPALCO ENTERPRISES INC COM     COMMON STOCK     462613100       54     2554 SH       DEFINED                2554        0        0
ITURF INC CLASS A              COMMON STOCK     46575Q100        5      300 SH       DEFINED                 300        0        0
JEFFERSON SAVINGS BANCORP INC  COMMON STOCK     474900107        2      125 SH       DEFINED                   0        0      125
JEFFERSON-PILOT CORP COM       COMMON STOCK     475070108       45      675 SH       OTHER                     0      675        0
JOHNSON & JOHNSON COM *        COMMON STOCK     478160104    10427   106397 SH       DEFINED              102637     1000     2760
JOHNSON & JOHNSON COM *        COMMON STOCK     478160104     3162    32265 SH       OTHER                 25265     7000        0
JOHNSON CONTROLS INC COM *     COMMON STOCK     478366107     1925    27770 SH       DEFINED               27770        0        0
JOHNSON CONTROLS INC COM *     COMMON STOCK     478366107      817    11790 SH       OTHER                 11790        0        0
JP REALTY INC COM              COMMON STOCK     46624A106       20      950 SH       DEFINED                 950        0        0
JUSTIN INDUSTRIES INC COM      COMMON STOCK     482171105      668    47900 SH       DEFINED               47900        0        0
K MART CORP COM                COMMON STOCK     482584109      206    12500 SH       DEFINED               12500        0        0
K N ENERGY INC COM             COMMON STOCK     482620101        7      500 SH       DEFINED                 500        0        0
KANSAS CITY POWER & LIGHT CO C COMMON STOCK     485134100       83     3272 SH       DEFINED                3172        0      100
KANSAS CITY POWER & LIGHT CO C COMMON STOCK     485134100        4      174 SH       OTHER                   174        0        0
KAYDON CORPORATION COM         COMMON STOCK     486587108      723    21495 SH       DEFINED               21495        0        0
KEANE INC COM                  COMMON STOCK     486665102        2      100 SH       DEFINED                 100        0        0
KEANE INC COM                  COMMON STOCK     486665102        5      200 SH       OTHER                   200        0        0
KELLOGG CO COM                 COMMON STOCK     487836108      158     4800 SH       DEFINED                4800        0        0
KELLOGG CO COM                 COMMON STOCK     487836108      132     4000 SH       OTHER                  4000        0        0
KENT ELECTRONICS CORP COM      COMMON STOCK     490553104       40     2000 SH       DEFINED                   0        0     2000
KERR MCGEE CORP COM            COMMON STOCK     492386107        5       97 SH       DEFINED                  97        0        0
KEY PRODUCTION INC COM         COMMON STOCK     493138101       76     8235 SH       DEFINED                   0        0     8235
KEYCORP NEW COM                COMMON STOCK     493267108       32      986 SH       DEFINED                 986        0        0
KEYSTONE CONSOLIDATED INDUSTRI COMMON STOCK     493422109       25     3733 SH       DEFINED                3733        0        0
KIMBERLY CLARK CORP COM *      COMMON STOCK     494368103    17713   310756 SH       DEFINED              303056     2000     5700
KIMBERLY CLARK CORP COM *      COMMON STOCK     494368103     1294    22695 SH       OTHER                 22695        0        0
KIMCO REALTY CORP COM          COMMON STOCK     49446R109        8      200 SH       DEFINED                 200        0        0
KIMCO REALTY CORP COM          COMMON STOCK     49446R109       24      600 SH       OTHER                   600        0        0
KROLL O'GARA CO COM            COMMON STOCK     501050108      452    20500 SH       DEFINED               20500        0        0
KRONOS INC COM                 COMMON STOCK     501052104     1103    24250 SH       DEFINED               24250        0        0
KULICKE & SOFFA INDUSTRIES INC COMMON STOCK     501242101        5      200 SH       DEFINED                 200        0        0
L G & E ENERGY CORP COM        COMMON STOCK     501917108       11      501 SH       DEFINED                 501        0        0
L G & E ENERGY CORP COM        COMMON STOCK     501917108       54     2570 SH       OTHER                  2570        0        0
LACLEDE GAS CO COM             COMMON STOCK     505588103        5      200 SH       DEFINED                 200        0        0
LAFARGE CORP COM               COMMON STOCK     505862102     9097   256709 SH       DEFINED              240652        0    16057
LAFARGE CORP COM               COMMON STOCK     505862102       57     1610 SH       OTHER                  1610        0        0
LAM RESEARCH CORP COM          COMMON STOCK     512807108       47     1000 SH       DEFINED                1000        0        0
LANCER CORP TEX COM            COMMON STOCK     514614106       63     7500 SH       OTHER                     0     4200     3300
LANDS END INC COM              COMMON STOCK     515086106      890    18500 SH       DEFINED               18500        0        0
LASALLE HOTEL PROPERTIES       COMMON STOCK     517942108        3      200 SH       DEFINED                 200        0        0
LAUDER ESTEE COMPANIES CLASS A COMMON STOCK     518439104     1253    25000 SH       DEFINED               25000        0        0
LEATHER FACTORY INC            COMMON STOCK     522126101      476   692606 SH       OTHER                     0   692606        0
LEGG MASON INC COM             COMMON STOCK     524901105      397    10300 SH       DEFINED               10300        0        0
LEGGETT & PLATT INC COM        COMMON STOCK     524660107      887    31900 SH       DEFINED               31900        0        0
LIFEPOINT HOSPITALS INC COM    COMMON STOCK     53219L109        2      169 SH       DEFINED                 114        0       55
LIGAND PHARMACEUTICALS INC CLA COMMON STOCK     53220K207        1       53 SH       DEFINED                   0        0       53
LOCKHEED MARTIN CORP COM *     COMMON STOCK     539830109    10557   283415 SH       DEFINED              275553        0     7862
LOCKHEED MARTIN CORP COM *     COMMON STOCK     539830109      287     7710 SH       OTHER                  7710        0        0
LOEWS CORP COM                 COMMON STOCK     540424108       63      802 SH       DEFINED                 802        0        0
LOEWS CORP COM                 COMMON STOCK     540424108       59      742 SH       OTHER                   742        0        0
LONGVIEW FIBRE CO COM          COMMON STOCK     543213102      164    10500 SH       DEFINED               10500        0        0
LOUIS DREYFUS NATURAL GAS CORP COMMON STOCK     546011107        2      108 SH       DEFINED                 108        0        0
LOWES COS INC COM *            COMMON STOCK     548661107    23602   416346 SH       DEFINED              408666      160     7520
LOWES COS INC COM *            COMMON STOCK     548661107      530     9350 SH       OTHER                  9350        0        0
LTC HEALTHCARE INC COM         COMMON STOCK     50217R104        0       60 SH       DEFINED                  60        0        0
LTC PROPERTIES INC COM         COMMON STOCK     502175102        8      600 SH       DEFINED                 600        0        0
LUBRIZOL CORP COM              COMMON STOCK     549271104        3      111 SH       DEFINED                 111        0        0
LUBY'S INC COM                 COMMON STOCK     549282101      779    51903 SH       DEFINED               51903        0        0
LUCENT TECHNOLOGIES INC COM *  COMMON STOCK     549463107    14480   214723 SH       DEFINED              212995        0     1728
LUCENT TECHNOLOGIES INC COM *  COMMON STOCK     549463107     2266    33602 SH       OTHER                 28982     4620        0
LYCOS INC COM                  COMMON STOCK     550818108       15      166 SH       DEFINED                 166        0        0
LYONDELL CHEMICAL CO. COM      COMMON STOCK     552078107      344    16700 SH       DEFINED               15200        0     1500
M D U RESOURCES GROUP INC COM  COMMON STOCK     552690109     7714   338163 SH       DEFINED              303470        0    34693
M D U RESOURCES GROUP INC COM  COMMON STOCK     552690109      131     5741 SH       OTHER                  4549     1012      180
MACK CALI REALTY CORP COM      COMMON STOCK     554489104       15      500 SH       DEFINED                 500        0        0
MACROCHEM CORP DELAWARE COM    COMMON STOCK     555903103       50     8500 SH       DEFINED                8500        0        0
MALLINCKRODT INC NEW           COMMON STOCK     561232109       89     2450 SH       DEFINED                2450        0        0
MARINE DRILLING CO INC COM PAR COMMON STOCK     568240204      220    16100 SH       DEFINED               16100        0        0
MARKETWATCH.COM INC COM        COMMON STOCK     570619106        2       30 SH       DEFINED                  30        0        0
MARSH & MCLENNAN COS INC COM*  COMMON STOCK     571748102     1342    17725 SH       DEFINED               17725        0        0
MARSH & MCLENNAN COS INC COM*  COMMON STOCK     571748102       30      400 SH       OTHER                   400        0        0
MARTIN MARIETTA MATERIALS INC  COMMON STOCK     573284106       30      509 SH       DEFINED                 509        0        0
MASCO CORP COM *               COMMON STOCK     574599106       12      400 SH       DEFINED                 400        0        0
MATTEL INC COM                 COMMON STOCK     577081102      838    32063 SH       DEFINED               32063        0        0
MATTEL INC COM                 COMMON STOCK     577081102       70     2691 SH       OTHER                     0     1691     1000
MAY DEPT STORES CO COM *       COMMON STOCK     577778103     1078    26371 SH       DEFINED               24871        0     1500
MAY DEPT STORES CO COM *       COMMON STOCK     577778103      202     4950 SH       OTHER                  4650      300        0
MAYTAG CORP COM                COMMON STOCK     578592107      209     2988 SH       DEFINED                2988        0        0
MAYTAG CORP COM                COMMON STOCK     578592107      117     1680 SH       OTHER                  1680        0        0
MBIA INC COM                   COMMON STOCK     55262C100      713    11005 SH       DEFINED               11005        0        0
MBNA CORP COM *                COMMON STOCK     55262L100        6      200 SH       DEFINED                 200        0        0
MBNA CORP COM *                COMMON STOCK     55262L100      127     4150 SH       OTHER                  4150        0        0
MCDERMOTT INTERNATIONAL INC CO COMMON STOCK     580037109       28     1000 SH       DEFINED                1000        0        0
MCDONALD'S CORP COM *          COMMON STOCK     580135101     8108   197165 SH       DEFINED              195765        0     1400
MCDONALD'S CORP COM *          COMMON STOCK     580135101      537    13050 SH       OTHER                 13050        0        0
MCGRAW HILL COMPANIES INC. *   COMMON STOCK     580645109    11207   207786 SH       DEFINED              203246        0     4540
MCGRAW HILL COMPANIES INC. *   COMMON STOCK     580645109      196     3638 SH       OTHER                  3638        0        0
MCI WORLDCOM INC COM *         COMMON STOCK     55268B106    16703   194079 SH       DEFINED              193609        0      470
MCI WORLDCOM INC COM *         COMMON STOCK     55268B106      539     6262 SH       OTHER                  6262        0        0
MCKESSON HBOC INC COM *        COMMON STOCK     58155Q103     1733    53843 SH       DEFINED               53843        0        0
MCKESSON HBOC INC COM *        COMMON STOCK     58155Q103       95     2954 SH       OTHER                  2954        0        0
MCMORAN EXPLORATION CO COM     COMMON STOCK     582411104        0        4 SH       DEFINED                   4        0        0
MCN ENERGY GROUP INC *         COMMON STOCK     55267J100      327    15764 SH       DEFINED               15564        0      200
MCN ENERGY GROUP INC *         COMMON STOCK     55267J100       23     1100 SH       OTHER                  1100        0        0
MEDCO RESEARCH INC COM         COMMON STOCK     584059109       26     1000 SH       DEFINED                1000        0        0
MEDIAONE GROUP INC COM         COMMON STOCK     58440J104      691     9297 SH       DEFINED                8997        0      300
MEDIAONE GROUP INC COM         COMMON STOCK     58440J104       35      468 SH       OTHER                   200        0      268
MEDICAL MANAGER CORP COM       COMMON STOCK     58461C103        4      100 SH       DEFINED                 100        0        0
MEDITRUST CORP PAIRED STOCK    COMMON STOCK     58501T306     9020   690493 SH       DEFINED              648065        0    42428
MEDITRUST CORP PAIRED STOCK    COMMON STOCK     58501T306      112     8596 SH       OTHER                  8458        0      138
MEDTRONIC INC COM *            COMMON STOCK     585055106     6820    87571 SH       DEFINED               85635      120     1816
MEDTRONIC INC COM *            COMMON STOCK     585055106      383     4920 SH       OTHER                  4120      600      200
MELLON BANK CORP COM           COMMON STOCK     585509102      218     6000 SH       DEFINED                6000        0        0
MELLON BANK CORP COM           COMMON STOCK     585509102      140     3840 SH       OTHER                  3840        0        0
MENS WEARHOUSE INC COM         COMMON STOCK     587118100       26     1000 SH       DEFINED                   0        0     1000
MERCANTILE BANCORPORATION INC  COMMON STOCK     587342106       98     1714 SH       DEFINED                1714        0        0
MERCANTILE BANCORPORATION INC  COMMON STOCK     587342106      170     2968 SH       OTHER                  2968        0        0
MERCK & CO INC COM *           COMMON STOCK     589331107    10964   148912 SH       DEFINED              147112        0     1800
MERCK & CO INC COM *           COMMON STOCK     589331107     2177    29572 SH       OTHER                 25974     1000     2598
MERIDIAN RESOURCE CORP COM     COMMON STOCK     58977Q109        2      493 SH       DEFINED                 493        0        0
MERITOR AUTOMOTIVE INC COM     COMMON STOCK     59000G100        4      160 SH       DEFINED                 160        0        0
MERRILL LYNCH & CO INC COM     COMMON STOCK     590188108      246     3100 SH       DEFINED                2500        0      600
MERRILL LYNCH & CO INC COM     COMMON STOCK     590188108      362     4550 SH       OTHER                  1350     3200        0
METHODE ELECTRONICS INC CLASS  COMMON STOCK     591520200      229    10000 SH       DEFINED               10000        0        0
METROMEDIA FIBER NETWORK INC C COMMON STOCK     591689104       36     1000 SH       DEFINED                   0        0     1000
MGIC INVESTMENT CORP WISCONSIN COMMON STOCK     552848103     5724   117710 SH       DEFINED              117410        0      300
MGIC INVESTMENT CORP WISCONSIN COMMON STOCK     552848103      260     5350 SH       OTHER                  5350        0        0
MICHAELS STORES INC COM        COMMON STOCK     594087108      928    30300 SH       DEFINED               30300        0        0
MICRON TECHNOLOGY INC COM      COMMON STOCK     595112103       47     1160 SH       DEFINED                   0        0     1160
MICROSOFT CORP WASHINGTON COM  COMMON STOCK     594918104    24798   274965 SH       DEFINED              268695      200     6070
MICROSOFT CORP WASHINGTON COM  COMMON STOCK     594918104     2379    26380 SH       OTHER                 24480     1300      600
MIDAS GROUP INC COM            COMMON STOCK     595626102      526    18533 SH       DEFINED               18533        0        0
MILESTONE SCIENTIFIC INC COM   COMMON STOCK     59935P100        1      900 SH       DEFINED                   0        0      900
MILLIPORE CORP COM *           COMMON STOCK     601073109       24      600 SH       DEFINED                 600        0        0
MINDSPRING ENTERPRISES INC COM COMMON STOCK     602683104       27      600 SH       DEFINED                 600        0        0
MINNESOTA MINING & MANUFACTURI COMMON STOCK     604059105     4852    55815 SH       DEFINED               55490        0      325
MINNESOTA MINING & MANUFACTURI COMMON STOCK     604059105     1799    20690 SH       OTHER                 12690     5800     2200
MITCHELL ENERGY & DEV CORP CL  COMMON STOCK     606592301        6      353 SH       DEFINED                 353        0        0
MITCHELL ENERGY & DEV CORP CLA COMMON STOCK     606592202      161     8353 SH       DEFINED                8353        0        0
MOBIL CORP COM *               COMMON STOCK     607059102    13409   135789 SH       DEFINED              134579      800      410
MOBIL CORP COM *               COMMON STOCK     607059102     1557    15770 SH       OTHER                 12742     2628      400
MODIS PROFESSIONAL SVCS INC CO COMMON STOCK     607830106        7      500 SH       OTHER                   500        0        0
MONARCH DENTAL CORP COM        COMMON STOCK     609044102     1032   327054 SH       OTHER                327054        0        0
MONSANTO CO COM *              COMMON STOCK     611662107     1035    26150 SH       DEFINED               25700        0      450
MONSANTO CO COM *              COMMON STOCK     611662107      344     8700 SH       OTHER                  2000     5300     1400
MONTANA POWER CO COM *         COMMON STOCK     612085100       99     1400 SH       DEFINED                1400        0        0
MONY GROUP INC COM             COMMON STOCK     615337102       25      751 SH       DEFINED                 751        0        0
MORGAN J P & CO INC COM        COMMON STOCK     616880100     1280     9110 SH       DEFINED                8610        0      500
MORGAN J P & CO INC COM        COMMON STOCK     616880100      128      914 SH       OTHER                   714      200        0
MORGAN STANLEY FIN PLC 8.4% CA COMMON STOCK     616906608       51     2000 SH       OTHER                  2000        0        0
MORGAN STANLEY, DEAN WITTER &  COMMON STOCK     617446448      214     2082 SH       DEFINED                2082        0        0
MORGAN STANLEY, DEAN WITTER &  COMMON STOCK     617446448       40      390 SH       OTHER                   390        0        0
MOTOROLA INC COM *             COMMON STOCK     620076109     4367    46085 SH       DEFINED               46085        0        0
MOTOROLA INC COM *             COMMON STOCK     620076109      610     6442 SH       OTHER                  4942      900      600
NAB ASSET CORP COM             COMMON STOCK     628712200        0        7 SH       DEFINED                   7        0        0
NABORS INDUSTRIES INC COM      COMMON STOCK     629568106       17      900 SH       DEFINED                   0        0      900
NATIONAL DATA CORP COM         COMMON STOCK     635621105      727    17000 SH       DEFINED               17000        0        0
NATIONAL FUEL GAS CO N J COM P COMMON STOCK     636180101       35      726 SH       DEFINED                 726        0        0
NATIONAL PRESTO INDUSTRIES INC COMMON STOCK     637215104      455    11900 SH       DEFINED               11900        0        0
NATIONAL-OILWELL INC COM       COMMON STOCK     637071101        5      350 SH       DEFINED                   0        0      350
NATIONWIDE FINANCIAL SERVICES  COMMON STOCK     638612101       48     1050 SH       DEFINED                1050        0        0
NATURES SUNSHINE PRODUCTS INC  COMMON STOCK     639027101       14     1320 SH       OTHER                  1320        0        0
NCI BUILDING SYSTEMS INC COM   COMMON STOCK     628852105      316    14800 SH       DEFINED               14800        0        0
NCR CORP NEW COM               COMMON STOCK     62886E108        8      160 SH       DEFINED                 160        0        0
NCR CORP NEW COM               COMMON STOCK     62886E108        9      184 SH       OTHER                     0      184        0
NEFF CORP                      COMMON STOCK     640094108       39     2500 SH       DEFINED                2500        0        0
NETWORK APPLIANCE INC COM      COMMON STOCK     64120L104       56     1000 SH       DEFINED                 500        0      500
NETWORKS ASSOCIATES INC COM    COMMON STOCK     640938106        7      500 SH       DEFINED                 100        0      400
NEW CENTURY ENERGIES INC COM   COMMON STOCK     64352U103     3744    96465 SH       DEFINED               92931        0     3534
NEW CENTURY ENERGIES INC COM   COMMON STOCK     64352U103       84     2153 SH       OTHER                  1963        0      190
NEW ENGLAND ELECTRIC SYSTEMS C COMMON STOCK     644001109       61     1220 SH       DEFINED                1220        0        0
NEW PLAN EXCEL REALTY TRUST IN COMMON STOCK     648053106      365    20300 SH       DEFINED               20300        0        0
NEWELL RUBBERMAID INC COM      COMMON STOCK     651229106      793    17109 SH       DEFINED               17109        0        0
NEWELL RUBBERMAID INC COM      COMMON STOCK     651229106      219     4728 SH       OTHER                     0     4728        0
NEWMONT MINING CORP COM        COMMON STOCK     651639106        9      461 SH       DEFINED                 461        0        0
NEWPARK RESOURCES INC COM      COMMON STOCK     651718504      485    54600 SH       DEFINED               54100        0      500
NEWPORT NEWS SHIPBUILDING INC  COMMON STOCK     652228107        8      280 SH       DEFINED                 280        0        0
NEXTEL COMMUNICATIONS INC CLAS COMMON STOCK     65332V103       50     1000 SH       DEFINED                   0        0     1000
NICOR INC COM *                COMMON STOCK     654086107      705    18520 SH       DEFINED               18520        0        0
NICOR INC COM *                COMMON STOCK     654086107      422    11100 SH       OTHER                 11100        0        0
NIELSEN MEDIA RESEARCH INC NEW COMMON STOCK     653929307        1       33 SH       DEFINED                  33        0        0
NIELSEN MEDIA RESEARCH INC NEW COMMON STOCK     653929307        5      166 SH       OTHER                     0      166        0
NIKE INC CLASS B *             COMMON STOCK     654106103      485     7650 SH       DEFINED                7650        0        0
NISOURCE INC COM               COMMON STOCK     65473P105     1327    51423 SH       OTHER                     0        0    51423
NOBLE AFFILIATES INC COM       COMMON STOCK     654894104    18499   656298 SH       DEFINED              611974        0    44324
NOBLE AFFILIATES INC COM       COMMON STOCK     654894104      139     4938 SH       OTHER                  4938        0        0
NOBLE DRILLING CORP COM        COMMON STOCK     655042109     1500    76200 SH       DEFINED               76200        0        0
NORFOLK SOUTHERN CORP COM *    COMMON STOCK     655844108      831    27570 SH       DEFINED               27570        0        0
NORFOLK SOUTHERN CORP COM *    COMMON STOCK     655844108      530    17600 SH       OTHER                 13100     3000     1500
NORTH AMERN TECHNOLOGIES GROUP COMMON STOCK     657193207        6     2433 SH       DEFINED                   0        0     2433
NORTHEAST UTILITIES COM        COMMON STOCK     664397106      207    11600 SH       DEFINED               11600        0        0
NORTHERN STATES POWER CO MINN  COMMON STOCK     665772109       62     2550 SH       DEFINED                2550        0        0
NORTHERN STATES POWER CO MINN  COMMON STOCK     665772109       49     2026 SH       OTHER                   302        0     1724
NORTHERN TRUST CORP COM        COMMON STOCK     665859104       53      550 SH       OTHER                   550        0        0
NORTHROP CORP COM              COMMON STOCK     666807102      166     2500 SH       DEFINED                2500        0        0
NORTHWEST AIRLINES CORP CLASS  COMMON STOCK     667280101       23      700 SH       DEFINED                 700        0        0
NOVELLUS SYSTEMS INC COM       COMMON STOCK     670008101       20      300 SH       DEFINED                 300        0        0
NUCOR CORP COM *               COMMON STOCK     670346105      878    18505 SH       DEFINED               18205        0      300
NUCOR CORP COM *               COMMON STOCK     670346105      190     4000 SH       OTHER                  4000        0        0
OCCIDENTAL PETROLEUM CORP COM  COMMON STOCK     674599105       97     4579 SH       DEFINED                3268        0     1311
OCCIDENTAL PETROLEUM CORP COM  COMMON STOCK     674599105        4      201 SH       OTHER                   201        0        0
OCEAN ENERGY INC TEX COM       COMMON STOCK     67481E106       93     9700 SH       DEFINED                8400        0     1300
OFFICE DEPOT INC COM           COMMON STOCK     676220106     1073    48648 SH       DEFINED               48648        0        0
OFFICEMAX INC COM              COMMON STOCK     67622M108      450    37500 SH       DEFINED               37500        0        0
OGDEN CORP COM                 COMMON STOCK     676346109    24970   926974 SH       DEFINED              862581        0    64393
OGDEN CORP COM                 COMMON STOCK     676346109      213     7895 SH       OTHER                  7895        0        0
OGE ENERGY CORP COM            COMMON STOCK     670837103       14      600 SH       DEFINED                 600        0        0
OLD REPUBLIC INTERNATIONAL COR COMMON STOCK     680223104     9116   526543 SH       DEFINED              506202        0    20341
OLD REPUBLIC INTERNATIONAL COR COMMON STOCK     680223104       80     4614 SH       OTHER                  4614        0        0
OMNICOM GROUP COM *            COMMON STOCK     681919106    14441   180514 SH       DEFINED              176554     1600     2360
OMNICOM GROUP COM *            COMMON STOCK     681919106     1185    14817 SH       OTHER                 14817        0        0
ONEOK INC NEW COM              COMMON STOCK     682680103       32     1000 SH       DEFINED                   0        0     1000
ORACLE CORPORATION*            COMMON STOCK     68389X105      682    18366 SH       DEFINED               17803      563        0
ORACLE CORPORATION*            COMMON STOCK     68389X105        5      128 SH       OTHER                   128        0        0
OREGON STEEL MILLS INC COM     COMMON STOCK     686079104      630    47300 SH       DEFINED               47300        0        0
ORTEL CORP COM                 COMMON STOCK     68749W102       21     2000 SH       DEFINED                   0        0     2000
OXFORD HEALTH PLANS INC COM    COMMON STOCK     691471106      156    10000 SH       DEFINED               10000        0        0
P G & E CORP COM               COMMON STOCK     69331C108      125     3867 SH       DEFINED                3867        0        0
P G & E CORP COM               COMMON STOCK     69331C108       35     1076 SH       OTHER                     0     1076        0
PACIFICORP COM                 COMMON STOCK     695114108    11922   648816 SH       DEFINED              595586        0    53230
PACIFICORP COM                 COMMON STOCK     695114108      120     6542 SH       OTHER                  6112        0      430
PACKAGED ICE INC COM           COMMON STOCK     695148106      178    30000 SH       DEFINED               30000        0        0
PALL CORP COM                  COMMON STOCK     696429307      200     9000 SH       DEFINED                9000        0        0
PARAMETRIC TECHNOLOGY CORP COM COMMON STOCK     699173100      145    10450 SH       DEFINED               10450        0        0
PARK PLACE ENTMT CORP COM      COMMON STOCK     700690100      826    86400 SH       DEFINED               86000        0      400
PE CORP COM CELERA GENOMICS GR COMMON STOCK     69332S201        8      500 SH       OTHER                     0      500        0
PE CORP COM PE BIOSYSTEMS GROU COMMON STOCK     69332S102      115     1000 SH       OTHER                     0     1000        0
PECO ENERGY CO COM             COMMON STOCK     693304107       15      360 SH       DEFINED                 360        0        0
PENNEY J C INC COM *           COMMON STOCK     708160106      569    11708 SH       DEFINED               11708        0        0
PENNEY J C INC COM *           COMMON STOCK     708160106      477     9820 SH       OTHER                  9020      800        0
PENNZENERGY CO COM             COMMON STOCK     70931Q109       78     4662 SH       DEFINED                4662        0        0
PENNZOIL-QUAKER STATE CO COM   COMMON STOCK     709323109       71     4764 SH       DEFINED                4764        0        0
PEPSI BOTTLING GROUP INC       COMMON STOCK     713409100      101     4350 SH       DEFINED                4350        0        0
PEPSICO INC COM                COMMON STOCK     713448108     4506   116459 SH       DEFINED              116303        0      156
PEPSICO INC COM                COMMON STOCK     713448108      591    15269 SH       OTHER                  6269     3600     5400
PERSONNEL GROUP OF AMERICA INC COMMON STOCK     715338109      453    45300 SH       DEFINED               45300        0        0
PETCO ANIMAL SUPPLIES INC COM  COMMON STOCK     716016100     1024    65000 SH       DEFINED               65000        0        0
PFIZER INC COM *               COMMON STOCK     717081103     6856    62896 SH       DEFINED               62561       60      275
PFIZER INC COM *               COMMON STOCK     717081103     4300    39446 SH       OTHER                 32870     5976      600
PHARMACIA & UPJOHN INC COM     COMMON STOCK     716941109     2448    43085 SH       DEFINED               42785        0      300
PHELPS DODGE CORP COM          COMMON STOCK     717265102      195     3150 SH       DEFINED                3150        0        0
PHELPS DODGE CORP COM          COMMON STOCK     717265102       11      170 SH       OTHER                     0      170        0
PHILIP MORRIS COS INC COM *    COMMON STOCK     718154107     7088   176379 SH       DEFINED              174479        0     1900
PHILIP MORRIS COS INC COM *    COMMON STOCK     718154107     1099    27344 SH       OTHER                 22219     1825     3300
PHILLIPS PETROLEUM CO COM      COMMON STOCK     718507106       35      686 SH       DEFINED                 300        0      386
PHILLIPS PETROLEUM CO COM      COMMON STOCK     718507106       20      400 SH       OTHER                     0        0      400
PHOENIX INTERNATIONAL LTD COM  COMMON STOCK     719078107       64    10000 SH       OTHER                 10000        0        0
PHYCOR INC COM                 COMMON STOCK     71940F100       17     2345 SH       DEFINED                   0        0     2345
PIER 1 IMPORTS INC COM         COMMON STOCK     720279108      636    56500 SH       DEFINED               56500        0        0
PINNACLE GLOBAL GROUP INC COM  COMMON STOCK     723465100        0       25 SH       DEFINED                   0        0       25
PINNACLE WEST CAPITAL CORP COM COMMON STOCK     723484101       12      300 SH       DEFINED                 300        0        0
PIONEER NATURAL RESOURCES CO C COMMON STOCK     723787107       45     4115 SH       DEFINED                4115        0        0
PIONEER NATURAL RESOURCES CO C COMMON STOCK     723787107        4      406 SH       OTHER                   406        0        0
PITNEY BOWES INC COM *         COMMON STOCK     724479100      582     9060 SH       DEFINED                9060        0        0
PITTSTON BRINK'S GROUP         COMMON STOCK     725701106      412    15410 SH       DEFINED               15410        0        0
PLANTRONICS INC COM            COMMON STOCK     727493108      508     7800 SH       DEFINED                7800        0        0
PLASMA THERM INC COM           COMMON STOCK     727900102       20     7209 SH       DEFINED                7209        0        0
PLX TECHNOLOGY INC             COMMON STOCK     693417107        9      200 SH       DEFINED                 200        0        0
PNC BANK CORP COM              COMMON STOCK     693475105      432     7500 SH       DEFINED                7500        0        0
POGO PRODUCING CO COM          COMMON STOCK     730448107        6      300 SH       OTHER                     0      300        0
POLARIS INDUSTRIES INC COM     COMMON STOCK     731068102      152     3500 SH       DEFINED                3500        0        0
POLO RALPH LAUREN CORP CLASS A COMMON STOCK     731572103        4      200 SH       DEFINED                   0        0      200
POST PROPERTIES INC COM        COMMON STOCK     737464107       12      300 SH       DEFINED                 300        0        0
POTLATCH CORP COM              COMMON STOCK     737628107      233     5300 SH       DEFINED                5300        0        0
POTOMAC ELECTRIC POWER CO COM  COMMON STOCK     737679100       59     2000 SH       DEFINED                2000        0        0
POWERHOUSE TECHNOLOGIES INC CO COMMON STOCK     739323103      378    19400 SH       DEFINED               19400        0        0
PPG INDUSTRIES INC COM *       COMMON STOCK     693506107      781    13225 SH       DEFINED               13225        0        0
PRAXAIR INC COM                COMMON STOCK     74005P104       98     2007 SH       DEFINED                2007        0        0
PRE PAID LEGAL SERVICES INC CO COMMON STOCK     740065107       32     1172 SH       DEFINED                1172        0        0
PRECISION CASTPARTS CORP COM * COMMON STOCK     740189105      694    16330 SH       DEFINED               16330        0        0
PRECISION CASTPARTS CORP COM * COMMON STOCK     740189105      343     8080 SH       OTHER                  8080        0        0
PREMARK INTERNATIONAL INC COM  COMMON STOCK     740459102       75     2000 SH       OTHER                  2000        0        0
PRENTISS PROPERTIES TRUST      COMMON STOCK     740706106       12      500 SH       DEFINED                 500        0        0
PRICELINE.COM INC COM          COMMON STOCK     741503106       58      500 SH       DEFINED                 500        0        0
PRIMARK CORP COM               COMMON STOCK     741903108       39     1400 SH       DEFINED                1400        0        0
PRIME MEDICAL SERVICES INC COM COMMON STOCK     74156D108        1      100 SH       DEFINED                 100        0        0
PRIME RETAIL INC COM           COMMON STOCK     741570105     4673   537875 SH       DEFINED              503109        0    34766
PRIME RETAIL INC COM           COMMON STOCK     741570105       27     3135 SH       OTHER                  3135        0        0
PRISON REALTY TRUST INC COM    COMMON STOCK     74264N105    11876  1210316 SH       DEFINED             1134977        0    75339
PRISON REALTY TRUST INC COM    COMMON STOCK     74264N105       99    10128 SH       OTHER                 10128        0        0
PROCTER & GAMBLE CO COM *      COMMON STOCK     742718109    17480   195851 SH       DEFINED              195451        0      400
PROCTER & GAMBLE CO COM *      COMMON STOCK     742718109     2125    23815 SH       OTHER                 19767     1800     2248
PROLOGIS TRUST INC COM         COMMON STOCK     743410102     7104   350829 SH       DEFINED              337344        0    13485
PROLOGIS TRUST INC COM         COMMON STOCK     743410102       63     3132 SH       OTHER                  3132        0        0
PROMUS HOTEL CORP NEW COM      COMMON STOCK     74342P106        9      277 SH       DEFINED                 277        0        0
PROVIDIAN FINANCIAL CORP COM * COMMON STOCK     74406A102     4302    46138 SH       DEFINED               45988        0      150
PROVIDIAN FINANCIAL CORP COM * COMMON STOCK     74406A102       24      262 SH       OTHER                   262        0        0
PUBLIC SERVICE CO NEW MEXICO C COMMON STOCK     744499104        2      100 SH       DEFINED                 100        0        0
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK     744573106      243     5953 SH       DEFINED                5953        0        0
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK     744573106       33      800 SH       OTHER                     0      800        0
PUGET SOUND ENERGY INC         COMMON STOCK     745332106        2      100 SH       DEFINED                 100        0        0
PUGET SOUND ENERGY INC         COMMON STOCK     745332106       24     1000 SH       OTHER                  1000        0        0
PULITZER INC COM NEW           COMMON STOCK     745769109       35      725 SH       DEFINED                 725        0        0
QUAKER OATS CO COM             COMMON STOCK     747402105      219     3300 SH       DEFINED                3300        0        0
QUAKER OATS CO COM             COMMON STOCK     747402105      119     1800 SH       OTHER                     0     1800        0
QUALCOMM INC COM               COMMON STOCK     747525103      287     2000 SH       DEFINED                1400        0      600
QUANEX CORP COM                COMMON STOCK     747620102      114     4000 SH       OTHER                     0     2000     2000
QUESTAR CORP COM               COMMON STOCK     748356102       12      650 SH       DEFINED                 650        0        0
QUICKSILVER RESOURCES INC COM  COMMON STOCK     74837R104        8     1150 SH       DEFINED                1150        0        0
QUINTILES TRANSNATIONAL CORP C COMMON STOCK     748767100        5      119 SH       DEFINED                   0        0      119
QWEST COMMUNICATIONS INTERNATI COMMON STOCK     749121109      316     9550 SH       DEFINED                9550        0        0
QWEST COMMUNICATIONS INTERNATI COMMON STOCK     749121109       26      800 SH       OTHER                   800        0        0
R & B FALCON CORP COM          COMMON STOCK     74912E101      101    10751 SH       DEFINED                9251        0     1500
R H DONNELLEY CORP NEW COM     COMMON STOCK     74955W307        0       20 SH       DEFINED                  20        0        0
RADIAN GROUP INC COM           COMMON STOCK     750236101      766    15700 SH       DEFINED               15700        0        0
RAILTEX INC COM                COMMON STOCK     750766107        3      214 SH       DEFINED                 214        0        0
RALCORP HOLDINGS INC NEW COM   COMMON STOCK     751028101        6      400 SH       DEFINED                 400        0        0
RALSTON-RALSTON PURINA GROUP C COMMON STOCK     751277302      310    10198 SH       DEFINED               10198        0        0
RALSTON-RALSTON PURINA GROUP C COMMON STOCK     751277302       82     2700 SH       OTHER                     0        0     2700
RANGE RESOURCES CORPORATION CO COMMON STOCK     75281A109        4      700 SH       OTHER                   700        0        0
RARE MEDIUM GROUP INC COM      COMMON STOCK     75382N109       50     4000 SH       DEFINED                4000        0        0
RAYTHEON CO CLASS A            COMMON STOCK     755111309     1250    18155 SH       DEFINED               18155        0        0
RAYTHEON CO CLASS B*           COMMON STOCK     755111408      709    10055 SH       DEFINED                9655        0      400
RAYTHEON CO CLASS B*           COMMON STOCK     755111408      709    10050 SH       OTHER                  8850     1200        0
RECKSON ASSOCIATES REALTY CORP COMMON STOCK     75621K304       16      669 SH       DEFINED                 669        0        0
REEBOK INTERNATIONAL LIMITED C COMMON STOCK     758110100        4      195 SH       DEFINED                 195        0        0
REGIONS FINANCIAL CORP COM     COMMON STOCK     758940100        8      200 SH       DEFINED                 200        0        0
RELIANT ENERGY INC COM*        COMMON STOCK     75952J108     1870    67684 SH       DEFINED               67328        0      356
RELIANT ENERGY INC COM*        COMMON STOCK     75952J108       73     2659 SH       OTHER                  2659        0        0
RELIASTAR FINANCIAL CORP COM   COMMON STOCK     75952U103     3063    70007 SH       DEFINED               63517        0     6490
RELIASTAR FINANCIAL CORP COM   COMMON STOCK     75952U103       25      578 SH       OTHER                   438        0      140
RENAL CARE GROUP INC COM       COMMON STOCK     759930100      549    21200 SH       DEFINED               21200        0        0
REVLON INC CLASS A             COMMON STOCK     761525500       11      375 SH       DEFINED                 375        0        0
REYNOLDS & REYNOLDS CO CLASS A COMMON STOCK     761695105       47     2000 SH       DEFINED                2000        0        0
REYNOLDS & REYNOLDS CO CLASS A COMMON STOCK     761695105       49     2100 SH       OTHER                     0     2100        0
RIGGS NATIONAL CORP WASH DC CO COMMON STOCK     766570105     4269   207615 SH       DEFINED              195427        0    12188
RIGGS NATIONAL CORP WASH DC CO COMMON STOCK     766570105       31     1505 SH       OTHER                  1505        0        0
RITE AID CORP COM *            COMMON STOCK     767754104     1855    75330 SH       DEFINED               75170      160        0
RITE AID CORP COM *            COMMON STOCK     767754104       42     1700 SH       OTHER                  1700        0        0
ROCHESTER GAS & ELECTRIC CORP  COMMON STOCK     771367109      462    17400 SH       DEFINED               17400        0        0
ROCKWELL INTERNATIONAL CORP NE COMMON STOCK     773903109       54      887 SH       DEFINED                 887        0        0
ROCKWELL INTERNATIONAL CORP NE COMMON STOCK     773903109       30      500 SH       OTHER                   500        0        0
ROHM & HAAS CO COM             COMMON STOCK     775371107       56     1300 SH       DEFINED                1300        0        0
ROHM & HAAS CO COM             COMMON STOCK     775371107       85     1991 SH       OTHER                  1106      885        0
ROWAN COS INC COM              COMMON STOCK     779382100        5      300 SH       DEFINED                 300        0        0
RYDER SYSTEM INC COM           COMMON STOCK     783549108       19      750 SH       DEFINED                 750        0        0
RYERSON TULL INC NEW COM       COMMON STOCK     78375P107        5      200 SH       DEFINED                   0        0      200
SAFECO CORP COM                COMMON STOCK     786429100        9      200 SH       OTHER                   200        0        0
SAFEWAY INC COM NEW *          COMMON STOCK     786514208    11165   225549 SH       DEFINED              220909        0     4640
SAFEWAY INC COM NEW *          COMMON STOCK     786514208     1071    21644 SH       OTHER                 21644        0        0
SAKS INC COM *                 COMMON STOCK     79377W108     7750   268407 SH       DEFINED              268087        0      320
SAKS INC COM *                 COMMON STOCK     79377W108      190     6581 SH       OTHER                  6581        0        0
SANTA FE INTERNATIONAL CORP CO COMMON STOCK     G7805C108    15400   669548 SH       DEFINED              644462        0    25086
SANTA FE INTERNATIONAL CORP CO COMMON STOCK     G7805C108      120     5206 SH       OTHER                  5206        0        0
SANTA FE SNYDER CORP COM       COMMON STOCK     80218K105        4      542 SH       DEFINED                 542        0        0
SARA LEE CORP COM *            COMMON STOCK     803111103     2711   119479 SH       DEFINED              119479        0        0
SARA LEE CORP COM *            COMMON STOCK     803111103      386    17000 SH       OTHER                 15200     1800        0
SAUL CENTERS INC COM           COMMON STOCK     804395101     3105   188163 SH       DEFINED              175578        0    12585
SAUL CENTERS INC COM           COMMON STOCK     804395101       28     1714 SH       OTHER                  1714        0        0
SBC COMMUNICATIONS INC COM *   COMMON STOCK     78387G103    25625   441807 SH       DEFINED              433189     2000     6618
SBC COMMUNICATIONS INC COM *   COMMON STOCK     78387G103     3980    68628 SH       OTHER                 59540     1200     7888
SCANA CORP COM                 COMMON STOCK     805898103       19      800 SH       DEFINED                 800        0        0
SCHEIN HENRY INC COM           COMMON STOCK     806407102      526    16600 SH       DEFINED               16600        0        0
SCHERING-PLOUGH CORP COM *     COMMON STOCK     806605101    18046   343732 SH       DEFINED              336612      120     7000
SCHERING-PLOUGH CORP COM *     COMMON STOCK     806605101     1473    28054 SH       OTHER                 23254        0     4800
SCHICK TECHNOLOGIES INC COM    COMMON STOCK     806683108        0      100 SH       DEFINED                 100        0        0
SCHLUMBERGER LIMITED COM *     COMMON STOCK     806857108     4682    73518 SH       DEFINED               72748        0      770
SCHLUMBERGER LIMITED COM *     COMMON STOCK     806857108      705    11070 SH       OTHER                  8870        0     2200
SCHWAB CHARLES CORP NEW COM    COMMON STOCK     808513105       76      700 SH       OTHER                     0      700        0
SCIENTIFIC-ATLANTA INC COM     COMMON STOCK     808655104        7      200 SH       DEFINED                 200        0        0
SCRIPPS E W CO CLASS A COM     COMMON STOCK     811054204       14      300 SH       DEFINED                   0        0      300
SEALED AIR CORP NEW COM        COMMON STOCK     81211K100        6       93 SH       DEFINED                  93        0        0
SEALED AIR CORP NEW COM        COMMON STOCK     81211K100      103     1587 SH       OTHER                  1587        0        0
SEARS ROEBUCK & CO COM *       COMMON STOCK     812387108      990    22211 SH       DEFINED               21586        0      625
SEARS ROEBUCK & CO COM *       COMMON STOCK     812387108      104     2342 SH       OTHER                  2342        0        0
SECURITY DYNAMICS TECHNOLOGIES COMMON STOCK     814208104      886    41700 SH       DEFINED               41700        0        0
SEI INVESTMENTS CO COM         COMMON STOCK     784117103       22      250 SH       DEFINED                 250        0        0
SELECTIVE INSURANCE GROUP INC  COMMON STOCK     816300107     2874   150768 SH       DEFINED              129661        0    21107
SELECTIVE INSURANCE GROUP INC  COMMON STOCK     816300107       40     2079 SH       OTHER                   933      920      226
SEMPRA ENERGY COM              COMMON STOCK     816851109      268    11850 SH       DEFINED               10950      900        0
SEMPRA ENERGY COM              COMMON STOCK     816851109       54     2400 SH       OTHER                     0     1600      800
SEPRACOR, INC COM              COMMON STOCK     817315104       48      588 SH       DEFINED                 290        0      298
SERVICE CORP INTERNATIONAL COM COMMON STOCK     817565104       23     1183 SH       DEFINED                1183        0        0
SERVICEMASTER COMPANY COM      COMMON STOCK     81760N109      113     6000 SH       DEFINED                6000        0        0
SERVICEMASTER COMPANY COM      COMMON STOCK     81760N109      113     6045 SH       OTHER                     0     6045        0
SHAW INDUSTRIES INC COM        COMMON STOCK     820286102      114     6500 SH       DEFINED                6500        0        0
SHERWIN-WILLIAMS CO COM *      COMMON STOCK     824348106     2570    92630 SH       DEFINED               92630        0        0
SHERWIN-WILLIAMS CO COM *      COMMON STOCK     824348106       76     2750 SH       OTHER                  2750        0        0
SIERRA PACIFIC RESOURCES COM   COMMON STOCK     826425100        4      100 SH       DEFINED                 100        0        0
SIG CORP INC COM               COMMON STOCK     826912107       11      399 SH       DEFINED                 399        0        0
SIGMA-ALDRICH CORP COM         COMMON STOCK     826552101       34     1000 SH       DEFINED                1000        0        0
SIGMA-ALDRICH CORP COM         COMMON STOCK     826552101      138     4000 SH       OTHER                  4000        0        0
SIMON PROPERTY GROUP INC NEW C COMMON STOCK     828806109       10      400 SH       DEFINED                 400        0        0
SKYWEST INC COM                COMMON STOCK     830879102      406    16300 SH       DEFINED               16300        0        0
SLI INC COM                    COMMON STOCK     78442T108      435    16100 SH       DEFINED               16100        0        0
SLM HOLDING CORP COM           COMMON STOCK     78442A109        9      195 SH       DEFINED                 195        0        0
SOLUTIA INC COM                COMMON STOCK     834376105        6      300 SH       DEFINED                 300        0        0
SOLUTIA INC COM                COMMON STOCK     834376105       23     1100 SH       OTHER                     0      900      200
SONAT INC COM                  COMMON STOCK     835415100       68     2048 SH       DEFINED                2048        0        0
SONAT INC COM                  COMMON STOCK     835415100       66     2000 SH       OTHER                     0     2000        0
SONIC CORP COM                 COMMON STOCK     835451105      564    17300 SH       DEFINED               17300        0        0
SOUTHERN CO COM *              COMMON STOCK     842587107      393    14832 SH       DEFINED               14832        0        0
SOUTHERN CO COM *              COMMON STOCK     842587107       27     1000 SH       OTHER                  1000        0        0
SOUTHERN MINERAL CORP COM      COMMON STOCK     843367202        0       27 SH       DEFINED                  27        0        0
SOUTHTRUST CORP COM            COMMON STOCK     844730101        4      100 SH       OTHER                   100        0        0
SOUTHWEST AIRLINES CO COM *    COMMON STOCK     844741108     4489   144211 SH       DEFINED              142371     1840        0
SOUTHWEST AIRLINES CO COM *    COMMON STOCK     844741108     2072    66583 SH       OTHER                 60003        0     6580
SOUTHWEST GAS CORP COM         COMMON STOCK     844895102     8810   307788 SH       DEFINED              287041        0    20747
SOUTHWEST GAS CORP COM         COMMON STOCK     844895102      119     4150 SH       OTHER                  2147     1815      188
SOUTHWESTERN ENERGY CO COM     COMMON STOCK     845467109       13     1200 SH       DEFINED                1200        0        0
SPECTRAN CORP COM              COMMON STOCK     847598109        4      344 SH       DEFINED                 344        0        0
SPRINGS INDUSTRIES INC CLASS A COMMON STOCK     851783100      153     3500 SH       DEFINED                3500        0        0
SPRINT CORP COM (FON GROUP)    COMMON STOCK     852061100      489     9218 SH       DEFINED                7718     1500        0
SPRINT CORP COM (FON GROUP)    COMMON STOCK     852061100       53     1000 SH       OTHER                  1000        0        0
SPRINT CORP PCS COM SER I      COMMON STOCK     852061506      112     1959 SH       DEFINED                1584      375        0
SPRINT CORP PCS COM SER I      COMMON STOCK     852061506       14      250 SH       OTHER                   250        0        0
ST JOE COMPANY                 COMMON STOCK     790148100     1080    40000 SH       DEFINED               40000        0        0
ST. JUDE MEDICAL INC COM       COMMON STOCK     790849103       71     2000 SH       OTHER                     0     1000     1000
ST. PAUL COS INC COM           COMMON STOCK     792860108       64     2000 SH       OTHER                  2000        0        0
STANLEY WORKS COM              COMMON STOCK     854616109      131     4056 SH       OTHER                     0     4056        0
STAPLES INC COM *              COMMON STOCK     855030102     1932    62433 SH       DEFINED               62433        0        0
STAPLES INC COM *              COMMON STOCK     855030102       51     1650 SH       OTHER                  1650        0        0
STARRETT L S CO CLASS A COM    COMMON STOCK     855668109       38     1400 SH       OTHER                     0     1400        0
STARWOOD HOTELS & RESORTS WORL COMMON STOCK     85590A203      154     5029 SH       DEFINED                4929        0      100
STATE STREET CORP              COMMON STOCK     857477103      315     3685 SH       DEFINED                3685        0        0
STEINWAY MUSICAL INSTRUMENTS I COMMON STOCK     858495104      366    13800 SH       DEFINED               13800        0        0
STERIGENICS INTERNATIONAL INC  COMMON STOCK     85915R105       34     1300 SH       DEFINED                1300        0        0
STERLING BANCSHARES INC COM    COMMON STOCK     858907108      739    55250 SH       OTHER                 55250        0        0
STONE ENERGY CORP COM          COMMON STOCK     861642106      640    15100 SH       DEFINED               15100        0        0
STORAGE USA INC COM            COMMON STOCK     861907103       26      800 SH       OTHER                     0        0      800
STRYKER CORP COM *             COMMON STOCK     863667101      664    11050 SH       DEFINED               11050        0        0
STRYKER CORP COM *             COMMON STOCK     863667101      337     5600 SH       OTHER                  5600        0        0
SUCCESSORIES INC COM           COMMON STOCK     864591102       39    16500 SH       OTHER                     0    10500     6000
SUGEN INC COM                  COMMON STOCK     865041107        9      300 SH       DEFINED                 300        0        0
SUMMIT BANCSHARES              COMMON STOCK     866011109       62     3544 SH       DEFINED                3544        0        0
SUMMIT TECHNOLOGY INC COM      COMMON STOCK     86627E101      352    16000 SH       OTHER                 16000        0        0
SUN MICROSYSTEMS INC COM *     COMMON STOCK     866810104    20484   297407 SH       DEFINED              291607      300     5500
SUN MICROSYSTEMS INC COM *     COMMON STOCK     866810104      651     9452 SH       OTHER                  9452        0        0
SUNBEAM CORP                   COMMON STOCK     867071102        4      500 SH       OTHER                   500        0        0
SUNGARD DATA SYSTEMS INC COM   COMMON STOCK     867363103       38     1100 SH       DEFINED                1100        0        0
SUNOCO INC COM                 COMMON STOCK     86764P109        5      166 SH       DEFINED                  66        0      100
SUNOCO INC COM                 COMMON STOCK     86764P109       19      616 SH       OTHER                     0      616        0
SUNRISE ASSISTED LIVING INC CO COMMON STOCK     86768K106      474    13600 SH       DEFINED               13600        0        0
SUNSHINE MINING & REFINING CO  COMMON STOCK     867833105        5    14037 SH       DEFINED               14037        0        0
SUNTRUST BANKS INC COM         COMMON STOCK     867914103      110     1581 SH       DEFINED                1581        0        0
SUNTRUST BANKS INC COM         COMMON STOCK     867914103       14      200 SH       OTHER                   200        0        0
SUPERVALU INC COM              COMMON STOCK     868536103      336    13000 SH       DEFINED               13000        0        0
SYBRON INTERNATIONAL CORP COM  COMMON STOCK     87114F106     2219    80518 SH       DEFINED               80518        0        0
SYLVAN LEARNING SYSTEMS INC CO COMMON STOCK     871399101        8      300 SH       DEFINED                 300        0        0
SYSCO CORP COM *               COMMON STOCK     871829107     2089    70065 SH       DEFINED               67065     3000        0
SYSCO CORP COM *               COMMON STOCK     871829107     5796   194420 SH       OTHER                194420        0        0
SYSTEMAX INC COM               COMMON STOCK     871851101       62     5000 SH       DEFINED                5000        0        0
TACO CABANA INC COM            COMMON STOCK     873425102      638    62600 SH       DEFINED               62600        0        0
TANDY BRANDS ACCESSORIES INC C COMMON STOCK     875378101        1       33 SH       DEFINED                  33        0        0
TANDY CORP COM                 COMMON STOCK     875382103     3459    70768 SH       DEFINED               70768        0        0
TANDY CORP COM                 COMMON STOCK     875382103       10      200 SH       OTHER                   200        0        0
TANISYS TECHNOLOGY INC COM     COMMON STOCK     875927105        4     4000 SH       DEFINED                4000        0        0
TANISYS TECHNOLOGY INC COM     COMMON STOCK     875927105        1     1000 SH       OTHER                  1000        0        0
TCA CABLE TV INC COM           COMMON STOCK     872241104       22      400 SH       DEFINED                   0        0      400
TECH DATA CORP COM *           COMMON STOCK     878237106      807    21100 SH       DEFINED               21100        0        0
TECUMSEH PRODUCTS CO CLASS A   COMMON STOCK     878895200     1193    19700 SH       DEFINED               19700        0        0
TELLABS INC COM                COMMON STOCK     879664100       41      600 SH       DEFINED                 200        0      400
TELLABS INC COM                COMMON STOCK     879664100       11      170 SH       OTHER                   170        0        0
TEMPLE-INLAND INC COM          COMMON STOCK     879868107    38845   566046 SH       DEFINED              566046        0        0
TEMPLE-INLAND INC COM          COMMON STOCK     879868107    13503   196758 SH       OTHER                195678     1080        0
TENET HEALTHCARE CORP COM      COMMON STOCK     88033G100       31     1680 SH       DEFINED                1680        0        0
TENNECO INC NEW COM            COMMON STOCK     88037E101      299    12525 SH       DEFINED               12525        0        0
TENNECO INC NEW COM            COMMON STOCK     88037E101        4      180 SH       OTHER                   180        0        0
TEXACO INC COM *               COMMON STOCK     881694103    13679   219307 SH       DEFINED              215115        0     4192
TEXACO INC COM *               COMMON STOCK     881694103      722    11569 SH       OTHER                  6719     2150     2700
TEXAS BIOTECHNOLOGY CORP COM   COMMON STOCK     88221T104       36     7500 SH       DEFINED                2500        0     5000
TEXAS INDUSTRIES INC COM       COMMON STOCK     882491103       62     1600 SH       DEFINED                1600        0        0
TEXAS INDUSTRIES INC COM       COMMON STOCK     882491103       62     1600 SH       OTHER                  1600        0        0
TEXAS INSTRUMENTS INC COM *    COMMON STOCK     882508104     9977    69284 SH       DEFINED               68984      200      100
TEXAS INSTRUMENTS INC COM *    COMMON STOCK     882508104      237     1645 SH       OTHER                  1445        0      200
TEXAS UTILITIES HOLDING CO COM COMMON STOCK     882848104     6966   168118 SH       DEFINED              164473        0     3645
TEXAS UTILITIES HOLDING CO COM COMMON STOCK     882848104      616    14856 SH       OTHER                 14000       56      800
TEXTRON INC COM *              COMMON STOCK     883203101     3220    39125 SH       DEFINED               38125     1000        0
TEXTRON INC COM *              COMMON STOCK     883203101     1673    20320 SH       OTHER                 16720     3600        0
THE MCCLATCHY CO CLASS A COM   COMMON STOCK     579489105      702    21200 SH       DEFINED               21200        0        0
THERMO ECOTEK CORP COM         COMMON STOCK     88355R106        0       33 SH       DEFINED                   0        0       33
THERMO ELECTRON CORP COM *     COMMON STOCK     883556102      190     9492 SH       DEFINED                9255        0      237
THERMO INSTRUMENT SYSTEMS INC  COMMON STOCK     883559106        7      453 SH       DEFINED                   0        0      453
TICKETMASTER ONLINE-CITYSEARCH COMMON STOCK     88633P203        3      100 SH       DEFINED                 100        0        0
TIDEL TECHNOLOGIES INC COM     COMMON STOCK     886368109        4     2000 SH       DEFINED                2000        0        0
TIDEWATER INC COM *            COMMON STOCK     886423102      188     6170 SH       DEFINED                6170        0        0
TIFFANY & CO NEW COM           COMMON STOCK     886547108     1062    11000 SH       DEFINED               11000        0        0
TIME WARNER INC COM            COMMON STOCK     887315109   171783  2365347 SH       DEFINED             2365347        0        0
TIME WARNER INC COM            COMMON STOCK     887315109    60944   839166 SH       OTHER                829566     9600        0
TITAN CORP                     COMMON STOCK     888266103       55     5000 SH       OTHER                     0     3000     2000
TITAN MOTORCYCLE CO OF AMERICA COMMON STOCK     888307105        4     1000 SH       DEFINED                1000        0        0
TITANIUM METALS CORP COM       COMMON STOCK     888339108       39     3500 SH       DEFINED                3500        0        0
TJX COMPANIES INC NEW COM      COMMON STOCK     872540109       10      300 SH       DEFINED                 300        0        0
TNP ENTERPRISES INC COM        COMMON STOCK     872594106       49     1360 SH       DEFINED                1360        0        0
TNP ENTERPRISES INC COM        COMMON STOCK     872594106       73     2000 SH       OTHER                  2000        0        0
TORCHMARK CORP COM             COMMON STOCK     891027104       82     2400 SH       DEFINED                2400        0        0
TOYS R US INC COM              COMMON STOCK     892335100      380    18380 SH       DEFINED               18380        0        0
TRANSAMERICA CORP COM *        COMMON STOCK     893485102      686     9150 SH       DEFINED                9150        0        0
TRANSATLANTIC HOLDINGS INC COM COMMON STOCK     893521104       30      400 SH       DEFINED                   0        0      400
TRIAD HOSPITALS INC COM        COMMON STOCK     89579K109        2      169 SH       DEFINED                 114        0       55
TRIBUNE CO NEW COM *           COMMON STOCK     896047107      648     7440 SH       DEFINED                7440        0        0
TRIBUNE CO NEW COM *           COMMON STOCK     896047107      174     2000 SH       OTHER                  2000        0        0
TRICON GLOBAL RESTAURANTS INC  COMMON STOCK     895953107      181     3349 SH       DEFINED                3349        0        0
TRICON GLOBAL RESTAURANTS INC  COMMON STOCK     895953107       43      786 SH       OTHER                   186      360      240
TRITON ENERGY LTD CL A         COMMON STOCK     G90751101        1      100 SH       OTHER                   100        0        0
TRW INC COM                    COMMON STOCK     872649108      291     5304 SH       DEFINED                4350        0      954
TRW INC COM                    COMMON STOCK     872649108       44      800 SH       OTHER                     0      800        0
TUBOSCOPE INC COM              COMMON STOCK     898600101      437    31900 SH       DEFINED               31900        0        0
TYCO INTL LTD NEW COM *        COMMON STOCK     902124106    22776   240380 SH       DEFINED              238850        0     1530
TYCO INTL LTD NEW COM *        COMMON STOCK     902124106     1708    18031 SH       OTHER                 16395        0     1636
TYLER TECHNOLOGIES INC COM     COMMON STOCK     902252105      130    20000 SH       DEFINED               20000        0        0
U S HOME CORP COM              COMMON STOCK     911920106       14      400 SH       DEFINED                   0        0      400
U S RESTAURANT PROPERTIES INC  COMMON STOCK     902971100      621    29220 SH       DEFINED               29220        0        0
U S WEST INC NEW COM *         COMMON STOCK     91273H101     2269    38613 SH       DEFINED               37888        0      725
U S WEST INC NEW COM *         COMMON STOCK     91273H101      418     7112 SH       OTHER                  6632        0      480
ULTRAMAR DIAMOND SHAMROCK CORP COMMON STOCK     904000106     4785   219361 SH       DEFINED              208620        0    10741
ULTRAMAR DIAMOND SHAMROCK CORP COMMON STOCK     904000106       39     1808 SH       OTHER                  1718        0       90
ULTRATECH STEPPER INC COM      COMMON STOCK     904034105       27     1800 SH       DEFINED                   0        0     1800
UNICOM CORP COM                COMMON STOCK     904911104    10787   279738 SH       DEFINED              260590        0    19148
UNICOM CORP COM                COMMON STOCK     904911104       82     2137 SH       OTHER                  2137        0        0
UNION CARBIDE CORP COM         COMMON STOCK     905581104       49     1005 SH       DEFINED                1005        0        0
UNION CARBIDE CORP COM         COMMON STOCK     905581104        4       82 SH       OTHER                    82        0        0
UNION PACIFIC CORP COM         COMMON STOCK     907818108      299     5130 SH       DEFINED                5130        0        0
UNION PACIFIC RESOURCES GROUP  COMMON STOCK     907834105    30048  1842047 SH       DEFINED             1722933        0   119114
UNION PACIFIC RESOURCES GROUP  COMMON STOCK     907834105      240    14699 SH       OTHER                 14699        0        0
UNION PLANTERS CORP COM        COMMON STOCK     908068109      125     2800 SH       DEFINED                2800        0        0
UNION PLANTERS CORP COM        COMMON STOCK     908068109       13      300 SH       OTHER                   300        0        0
UNIPHASE CORP COM              COMMON STOCK     909149106       33      200 SH       OTHER                   200        0        0
UNISYS CORP COM                COMMON STOCK     909214108      546    14023 SH       DEFINED               14023        0        0
UNITED DOMINION REALTY TRUST I COMMON STOCK     910197102       16     1404 SH       DEFINED                   0        0     1404
UNITED FIRE & CASUALTY CO COM  COMMON STOCK     910331107        3      100 SH       DEFINED                 100        0        0
UNITED HEALTHCARE CORP COM *   COMMON STOCK     910581107      936    14940 SH       DEFINED               13840     1100        0
UNITED HEALTHCARE CORP COM *   COMMON STOCK     910581107      286     4560 SH       OTHER                  4560        0        0
UNITED ILLUMINATING CO COM     COMMON STOCK     910637107        4      100 SH       DEFINED                 100        0        0
UNITED STATIONERS INC COM      COMMON STOCK     913004107      552    25100 SH       DEFINED               25100        0        0
UNITED TECHNOLOGIES CORP COM   COMMON STOCK     913017109      580     8050 SH       DEFINED                7550        0      500
UNITED TECHNOLOGIES CORP COM   COMMON STOCK     913017109      348     4838 SH       OTHER                  3200     1359      279
UNITRIN INC COM                COMMON STOCK     913275103       82     2000 SH       DEFINED                2000        0        0
UNITRODE CORP COM              COMMON STOCK     913283107       82     2856 SH       DEFINED                2856        0        0
UNITRODE CORP COM              COMMON STOCK     913283107        4      156 SH       OTHER                   156        0        0
UNIVERSAL HEALTH SERVICES INC  COMMON STOCK     913903100       29      600 SH       DEFINED                 600        0        0
UNIVISION COMMUNICATIONS INC C COMMON STOCK     914906102       20      300 SH       DEFINED                   0        0      300
UNOCAL CORP COM *              COMMON STOCK     915289102      593    14973 SH       DEFINED               14973        0        0
UNOCAL CORP COM *              COMMON STOCK     915289102      170     4300 SH       OTHER                  3300        0     1000
UNUM CORP COM                  COMMON STOCK     903192102       38      700 SH       DEFINED                 700        0        0
UNUM CORP COM                  COMMON STOCK     903192102        5      100 SH       OTHER                   100        0        0
URBAN SHOPPING CENTERS INC COM COMMON STOCK     917060105        9      300 SH       DEFINED                 300        0        0
US BANCORP COM                 COMMON STOCK     902973106      136     4080 SH       DEFINED                4080        0        0
USFREIGHTWAYS CORP COM *       COMMON STOCK     916906100      518    11185 SH       DEFINED               11185        0        0
USFREIGHTWAYS CORP COM *       COMMON STOCK     916906100      139     3000 SH       OTHER                  3000        0        0
UST INC COM                    COMMON STOCK     902911106      323    11028 SH       DEFINED               11028        0        0
UST INC COM                    COMMON STOCK     902911106       12      400 SH       OTHER                     0      400        0
USX-MARATHON GROUP COM         COMMON STOCK     902905827       21      650 SH       DEFINED                 450        0      200
USX-MARATHON GROUP COM         COMMON STOCK     902905827       10      300 SH       OTHER                     0        0      300
USX-U. S. STEEL GROUP COM      COMMON STOCK     90337T101       31     1164 SH       DEFINED                1164        0        0
UTILICORP UNITED INC COM       COMMON STOCK     918005109       18      750 SH       DEFINED                 750        0        0
UTILICORP UNITED INC COM       COMMON STOCK     918005109       18      750 SH       OTHER                   750        0        0
V. F. CORP COM                 COMMON STOCK     918204108      111     2600 SH       OTHER                  2600        0        0
VALERO ENERGY CORP NEW COM     COMMON STOCK     91913Y100       28     1300 SH       DEFINED                1300        0        0
VARCO INTERNATIONAL INC COM    COMMON STOCK     922126107      480    44400 SH       DEFINED               44400        0        0
VARI-LITE INTERNATIONAL INC CO COMMON STOCK     922152103      386   181483 SH       DEFINED              181483        0        0
VENTAS INC COM                 COMMON STOCK     92276F100     6564  1221139 SH       DEFINED             1149378        0    71761
VENTAS INC COM                 COMMON STOCK     92276F100       38     7063 SH       OTHER                  7063        0        0
VERISIGN INC                   COMMON STOCK     92343E102       43      500 SH       DEFINED                 500        0        0
VERITAS SOFTWARE CORP COM      COMMON STOCK     923436109       47      500 SH       DEFINED                 500        0        0
VIACOM INC CLASS B COM         COMMON STOCK     925524308       40      899 SH       DEFINED                 899        0        0
VIASAT INC COM                 COMMON STOCK     92552V100       46     3000 SH       OTHER                  3000        0        0
VISHAY INTERTECHNOLOGY INC COM COMMON STOCK     928298108       23     1110 SH       DEFINED                1110        0        0
VIVUS INC COM                  COMMON STOCK     928551100        3     1000 SH       DEFINED                1000        0        0
VLASIC FOODS INTERNATIONAL INC COMMON STOCK     928559103        1      177 SH       OTHER                     0      177        0
VTEL CORP COM                  COMMON STOCK     918333105        4     1000 SH       DEFINED                1000        0        0
VTEL CORP COM                  COMMON STOCK     918333105       64    15000 SH       OTHER                     0     8000     7000
WABASH NATIONAL CORP COM       COMMON STOCK     929566107       78     4000 SH       OTHER                     0     2000     2000
WACHOVIA CORP COM *            COMMON STOCK     929771103       66      775 SH       DEFINED                 775        0        0
WADDELL & REED FINANCIAL INC C COMMON STOCK     930059100      819    29700 SH       DEFINED               29700        0        0
WAL MART STORES INC COM *      COMMON STOCK     931142103    11828   245143 SH       DEFINED              239343      200     5600
WAL MART STORES INC COM *      COMMON STOCK     931142103     2751    57015 SH       OTHER                 53415     2000     1600
WALDEN RESIDENTIAL PROPERTIES  COMMON STOCK     931210108    11657   542167 SH       DEFINED              516194        0    25973
WALDEN RESIDENTIAL PROPERTIES  COMMON STOCK     931210108      117     5424 SH       OTHER                  5424        0        0
WALGREEN CO COM                COMMON STOCK     931422109       99     3360 SH       DEFINED                2538        0      822
WALGREEN CO COM                COMMON STOCK     931422109       15      515 SH       OTHER                   515        0        0
WALLACE COMPUTER SERVICES INC  COMMON STOCK     932270101      853    34100 SH       DEFINED               34100        0        0
WARNER-LAMBERT CO COM *        COMMON STOCK     934488107    12698   183699 SH       DEFINED              182529        0     1170
WARNER-LAMBERT CO COM *        COMMON STOCK     934488107      433     6261 SH       OTHER                  6261        0        0
WARWICK COMMUNITY BANCORP INC  COMMON STOCK     936559103        3      234 SH       DEFINED                 234        0        0
WASHINGTON FEDERAL INC COM     COMMON STOCK     938824109    11035   491789 SH       DEFINED              478284        0    13505
WASHINGTON FEDERAL INC COM     COMMON STOCK     938824109       88     3912 SH       OTHER                  3912        0        0
WASHINGTON GAS LIGHT CO COM    COMMON STOCK     938837101       31     1200 SH       DEFINED                   0        0     1200
WASHINGTON GAS LIGHT CO COM    COMMON STOCK     938837101       10      400 SH       OTHER                     0      400        0
WASHINGTON MUTUAL INC COM      COMMON STOCK     939322103      317     8900 SH       DEFINED                8900        0        0
WASHINGTON MUTUAL INC COM      COMMON STOCK     939322103       87     2443 SH       OTHER                     0     2443        0
WASTE MANAGEMENT DEL INC COM   COMMON STOCK     94106L109     2056    38246 SH       DEFINED               36246        0     2000
WD 40 CO COM                   COMMON STOCK     929236107       25     1000 SH       DEFINED                1000        0        0
WEATHERFORD INTERNATIONAL INC  COMMON STOCK     947074100     1014    27685 SH       DEFINED               27685        0        0
WEBB DEL CORP                  COMMON STOCK     947423109      437    18300 SH       DEFINED               18300        0        0
WEINGARTEN REALTY INVESTORS SB COMMON STOCK     948741103      128     3077 SH       DEFINED                3077        0        0
WELLMAN INC COM                COMMON STOCK     949702104        7      423 SH       DEFINED                 423        0        0
WELLS FARGO & CO NEW COM *     COMMON STOCK     949746101     8119   189907 SH       DEFINED              187907      400     1600
WELLS FARGO & CO NEW COM *     COMMON STOCK     949746101     1281    29970 SH       OTHER                 20300     5600     4070
WENDY'S INTERNATIONAL INC COM  COMMON STOCK     950590109     1606    56360 SH       DEFINED               54330        0     2030
WENDY'S INTERNATIONAL INC COM  COMMON STOCK     950590109       53     1860 SH       OTHER                  1860        0        0
WEST PHARMACEUTICAL SERVICES I COMMON STOCK     955306105        5      135 SH       OTHER                     0      135        0
WESTAMERICA BANCORPORATION     COMMON STOCK     957090103      777    21300 SH       DEFINED               21300        0        0
WESTERN RESOURCES INC COM*     COMMON STOCK     959425109      109     4100 SH       DEFINED                4100        0        0
WEYERHAEUSER CO COM            COMMON STOCK     962166104        7      100 SH       DEFINED                 100        0        0
WEYERHAEUSER CO COM            COMMON STOCK     962166104        7      100 SH       OTHER                     0        0      100
WHITE CAP INDUSTRIES INC COM   COMMON STOCK     963505102      263    22300 SH       DEFINED               22300        0        0
WHITE MOUNTAINS INSURANCE GROU COMMON STOCK     964126106      393     2785 SH       DEFINED                2785        0        0
WHITMAN CORP NEW COM           COMMON STOCK     96647R107      238    13200 SH       DEFINED               13200        0        0
WHOLE FOODS MARKET INC COM     COMMON STOCK     966837106      423     8800 SH       DEFINED                8800        0        0
WICOR INC COM *                COMMON STOCK     929253102      866    31000 SH       DEFINED               31000        0        0
WICOR INC COM *                COMMON STOCK     929253102       45     1600 SH       OTHER                  1600        0        0
WILLAMETTE INDUSTRIES INC COM  COMMON STOCK     969133107     1115    24200 SH       DEFINED               24200        0        0
WILLAMETTE INDUSTRIES INC COM  COMMON STOCK     969133107      405     8800 SH       OTHER                     0     8800        0
WILLIAMS COS COM *             COMMON STOCK     969457100     2207    51842 SH       DEFINED               51342        0      500
WILLIAMS COS COM *             COMMON STOCK     969457100     1343    31548 SH       OTHER                 31548        0        0
WILLIAMS SONOMA INC COM        COMMON STOCK     969904101      536    15400 SH       DEFINED               15400        0        0
WISCONSIN ENERGY CORP COM      COMMON STOCK     976657106      107     4284 SH       DEFINED                4284        0        0
WORTHINGTON INDS INC COM (OHIO COMMON STOCK     981811102      148     9000 SH       DEFINED                9000        0        0
WPS RESOURCES CORP COM         COMMON STOCK     92931B106       15      500 SH       OTHER                   500        0        0
WRIGLEY WM JR CO COM           COMMON STOCK     982526105       62      700 SH       DEFINED                 700        0        0
WRIGLEY WM JR CO COM           COMMON STOCK     982526105      134     1500 SH       OTHER                     0        0     1500
XCL LTD DEL INC                COMMON STOCK     983701103        0      133 SH       DEFINED                   0        0      133
XEROX CORP COM*                COMMON STOCK     984121103     2492    42200 SH       DEFINED               42200        0        0
XEROX CORP COM*                COMMON STOCK     984121103      252     4275 SH       OTHER                  3075     1200        0
XOOM.COM INC COM               COMMON STOCK     98413F101        5      100 SH       DEFINED                 100        0        0
XTRA CORP COM                  COMMON STOCK     984138107       73     1595 SH       DEFINED                1595        0        0
YAHOO! INC COM DEL             COMMON STOCK     984332106      252     1465 SH       DEFINED                 465        0     1000
3COM CORP COM                  COMMON STOCK     885535104       58     2175 SH       DEFINED                1900      275        0
3COM CORP COM                  COMMON STOCK     885535104       53     2000 SH       OTHER                     0     1000     1000
7-ELEVEN INC COM               COMMON STOCK     817826100        8     3500 SH       DEFINED                3500        0        0
DEUTSCHE TELEKOM AG RIGHTS   6 COMMON STOCK     251566113        2     9000 SH       DEFINED                9000        0        0
DIACRIN INC WARRANTS EXP    12 COMMON STOCK     25243N111        0      200 SH       DEFINED                 200        0        0
IMC GLOBAL WT EXP 00           COMMON STOCK     449669118        0       11 SH       DEFINED                  11        0        0
ABB AB SPONSORED ADR           COMMON STOCK     00256Q103       14     1000 SH       DEFINED                1000        0        0
ACE LTD                        COMMON STOCK     G0070K103      428    15160 SH       DEFINED               15160        0        0
AEGON N V ORD ADR              COMMON STOCK     007924103       77     1040 SH       DEFINED                1040        0        0
AGRIUM INC COM                 COMMON STOCK     008916108    13765  1562000 SH       DEFINED             1491502        0    70498
AGRIUM INC COM                 COMMON STOCK     008916108      123    13911 SH       OTHER                 13911        0        0
AKZO NOBEL N V SPONSORED ADR   COMMON STOCK     010199305      212     5000 SH       DEFINED                5000        0        0
ALCATEL SPONSORED ADRS         COMMON STOCK     013904305        6      208 SH       DEFINED                 208        0        0
ASA LTD                        COMMON STOCK     002050102      167    10000 SH       DEFINED               10000        0        0
ASTRAZENECA PLC SPN ADR        COMMON STOCK     046353108      414    10576 SH       DEFINED               10576        0        0
AXA S.A. SPONSORED ADR         COMMON STOCK     054536107      343     5500 SH       DEFINED                5500        0        0
BARCLAYS BANK PLC 11.5% SER D  COMMON STOCK     06738C802        8      300 SH       DEFINED                   0        0      300
BARRICK GOLD CORP COM *        COMMON STOCK     067901108      138     7100 SH       DEFINED                7100        0        0
BASS PUBLIC LIMITED CO SPONSOR COMMON STOCK     069904209        1       80 SH       DEFINED                  80        0        0
BP AMOCO PLC SPONSORED ADR*    COMMON STOCK     055622104     4731    43606 SH       DEFINED               42402        0     1204
BP AMOCO PLC SPONSORED ADR*    COMMON STOCK     055622104     2191    20189 SH       OTHER                 13841     3835     2513
BRITISH AIRWAYS PLC SPONSORED  COMMON STOCK     110419306      286     4000 SH       DEFINED                4000        0        0
BRITISH AMERICAN TOBACCO PLC S COMMON STOCK     110448107        4      192 SH       DEFINED                 192        0        0
BRITISH STEEL PLC ADR          COMMON STOCK     111015301     4031   154662 SH       DEFINED              145627        0     9035
BRITISH STEEL PLC ADR          COMMON STOCK     111015301       32     1217 SH       OTHER                  1217        0        0
BRITISH TELECOMMUNICATIONS PLC COMMON STOCK     111021408      411     2400 SH       DEFINED                2400        0        0
CABLE & WIRELESS PLC ADR       COMMON STOCK     126830207        8      200 SH       DEFINED                   0        0      200
CANADIAN NATIONAL RAILWAY CO   COMMON STOCK     136375102    14000   208948 SH       DEFINED              202006        0     6942
CANADIAN NATIONAL RAILWAY CO   COMMON STOCK     136375102      103     1537 SH       OTHER                  1537        0        0
CANADIAN PACIFIC LTD NEW COM   COMMON STOCK     135923100      301    12645 SH       DEFINED               12645        0        0
CANADIAN PACIFIC LTD NEW COM   COMMON STOCK     135923100      102     4300 SH       OTHER                  4300        0        0
CHECK POINT SOFTWARE TECHNOLOG COMMON STOCK     M22465104       27      500 SH       DEFINED                 500        0        0
CLEARLY CANADIAN BEVERAGE CORP COMMON STOCK     184901205        3     1552 SH       DEFINED                1552        0        0
COCA-COLA FEMSA S A ADR        COMMON STOCK     191241108        2      125 SH       DEFINED                   0        0      125
COMPANHIA CERVEJARIA BRAHMA SP COMMON STOCK     20440X103        3      299 SH       DEFINED                 299        0        0
DAIMLERCHRYSLER AG ORD         COMMON STOCK     D1668R123      280     3147 SH       DEFINED                2898        0      249
DAIMLERCHRYSLER AG ORD         COMMON STOCK     D1668R123      130     1463 SH       OTHER                   279      623      561
DE BEERS CONS MINES LIMITED AD COMMON STOCK     240253302        8      351 SH       DEFINED                 351        0        0
DEUTSCHE TELEKOM AG SPONSORED  COMMON STOCK     251566105      380     9000 SH       DEFINED                9000        0        0
DIAGEO PLC SPONSORED ADR       COMMON STOCK     25243Q205       25      590 SH       DEFINED                 590        0        0
DSG INTERNATIONAL LIMITED ORD  COMMON STOCK     G28471103      112    16000 SH       DEFINED               16000        0        0
EDPERBRASCAN CORP CLASS A      COMMON STOCK     280905803       29     1904 SH       DEFINED                1904        0        0
ELF AQUITAINE SPONSORED ADR    COMMON STOCK     286269105      341     4630 SH       DEFINED                4630        0        0
ENDESA S.A. SPONSORED ADR      COMMON STOCK     29258N107      372    17500 SH       DEFINED               17500        0        0
ENI SPA SONSORED ADR           COMMON STOCK     26874R108      180     3000 SH       DEFINED                3000        0        0
ENTERPRISE OIL PLC SPONSORED A COMMON STOCK     293779302    17889   929279 SH       DEFINED              870652        0    58627
ENTERPRISE OIL PLC SPONSORED A COMMON STOCK     293779302      138     7145 SH       OTHER                  7145        0        0
ERICSSON L M TEL CO ADR CLASS  COMMON STOCK     294821400       69     2100 SH       DEFINED                2100        0        0
FRESENIUS MEDICAL CARE ADR     COMMON STOCK     358029106        4      183 SH       DEFINED                 183        0        0
FRESENIUS MEDICAL CARE ADR     COMMON STOCK     358029106       62     3107 SH       OTHER                  3107        0        0
GALLAHER GROUP PLC ADR         COMMON STOCK     363595109      544    22242 SH       DEFINED               21762        0      480
GLAXO WELLCOME PLC             COMMON STOCK     37733W105      567    10019 SH       DEFINED                9719        0      300
GLAXO WELLCOME PLC             COMMON STOCK     37733W105        7      117 SH       OTHER                     0        0      117
GROUPE DANONE SPONSORED ADR    COMMON STOCK     399449107        7      137 SH       DEFINED                 137        0        0
HITACHI LTD ADR                COMMON STOCK     433578507      295     3124 SH       DEFINED                3124        0        0
HONDA MOTOR CO LTD SPONSORED A COMMON STOCK     438128308      260     3000 SH       DEFINED                3000        0        0
IMPERIAL CHEMICAL INDS PLC ADR COMMON STOCK     452704505        4      100 SH       OTHER                     0        0      100
IMPERIAL TOBACCO GROUP PLC ADR COMMON STOCK     453142101        4      200 SH       DEFINED                 200        0        0
ING GROEP N V SPONSORED ADR    COMMON STOCK     456837103      249     4534 SH       DEFINED                4534        0        0
INSTITUTO BANC SAN PAOLO SPONS COMMON STOCK     465224103      330    12000 SH       DEFINED               12000        0        0
IPC HOLDINGS LIMITED           COMMON STOCK     G4933P101     8589   429461 SH       DEFINED              391940        0    37521
IPC HOLDINGS LIMITED           COMMON STOCK     G4933P101       63     3148 SH       OTHER                  3148        0        0
KNIGHTSBRIDGE TANKERS LTD      COMMON STOCK     G5299G106       18     1000 SH       OTHER                     0        0     1000
KONINKLIJKE PHILIPS ELECTRS NV COMMON STOCK     500472204      302     2990 SH       DEFINED                2990        0        0
LOEWEN GROUP INC COM           COMMON STOCK     54042L100        1      800 SH       DEFINED                 800        0        0
LVMH MOET HENNESSY LOUIS VUITT COMMON STOCK     502441207        3       53 SH       DEFINED                  53        0        0
MACMILLAN BLOEDEL LTD          COMMON STOCK     554783209      315    17500 SH       DEFINED               17500        0        0
NEWS CORP LIMITED ADR NEW      COMMON STOCK     652487703       57     1600 SH       DEFINED                1600        0        0
NOKIA CORP SPONSORED PREFER    COMMON STOCK     654902204      595     6500 SH       DEFINED                4500        0     2000
NORSK HYDRO A. S. SPONSORED AD COMMON STOCK     656531605    25407   664224 SH       DEFINED              619725        0    44499
NORSK HYDRO A. S. SPONSORED AD COMMON STOCK     656531605      220     5764 SH       OTHER                  5049      676       39
NORTEL NETWORKS CORP COM *     COMMON STOCK     656569100    14032   161639 SH       DEFINED              157154        0     4485
NORTEL NETWORKS CORP COM *     COMMON STOCK     656569100      410     4719 SH       OTHER                  4719        0        0
NOVA CHEMICALS CORP COM        COMMON STOCK     66977W109     2584   110857 SH       DEFINED              104044        0     6813
NOVA CHEMICALS CORP COM        COMMON STOCK     66977W109       19      815 SH       OTHER                   815        0        0
NOVO-NORDISK A/S SPONSORED ADR COMMON STOCK     670100205      241     4500 SH       DEFINED                4500        0        0
PARTNERRE LTD.                 COMMON STOCK     G6852T105    12534   335360 SH       DEFINED              312045        0    23315
PARTNERRE LTD.                 COMMON STOCK     G6852T105       97     2603 SH       OTHER                  1989      614        0
PECHINEY SA SPONSORED ADR      COMMON STOCK     705151207     3760   175924 SH       DEFINED              169394        0     6530
PECHINEY SA SPONSORED ADR      COMMON STOCK     705151207       29     1341 SH       OTHER                  1341        0        0
PLACER DOME INC COM            COMMON STOCK     725906101       46     3900 SH       OTHER                  3900        0        0
PORTUGAL TELECOM S.A. ADR      COMMON STOCK     737273102      350     8500 SH       DEFINED                8500        0        0
POTASH CORP SASK INC COM *     COMMON STOCK     73755L107      233     4500 SH       DEFINED                4500        0        0
POTASH CORP SASK INC COM *     COMMON STOCK     73755L107       26      500 SH       OTHER                   500        0        0
POWERGEN PLC SPONS ADR-FINAL I COMMON STOCK     738905405      364     8500 SH       DEFINED                8500        0        0
PT TELEKOMUNIKASI INDONESIA SP COMMON STOCK     715684106        7      540 SH       DEFINED                 540        0        0
RANGER OIL LTD COM             COMMON STOCK     752805101     7653  1550039 SH       DEFINED             1455207        0    94832
RANGER OIL LTD COM             COMMON STOCK     752805101       59    11880 SH       OTHER                 11880        0        0
RENAISSANCE RE HOLDINGS LTD CO COMMON STOCK     G7496G103    16469   445100 SH       DEFINED              431166        0    13934
RENAISSANCE RE HOLDINGS LTD CO COMMON STOCK     G7496G103      119     3221 SH       OTHER                  3221        0        0
REPSOL S A SPONSORED ADR       COMMON STOCK     76026T205      427    21000 SH       DEFINED               21000        0        0
REUTERS GROUP PLC SPONSORED AD COMMON STOCK     76132M102      109     1342 SH       DEFINED                1342        0        0
RHONE-POULENC SA SPONSORED ADR COMMON STOCK     762426609        5      100 SH       DEFINED                   0        0      100
RHONE-POULENC SA SPONSORED ADR COMMON STOCK     762426609       14      300 SH       OTHER                   300        0        0
ROYAL DUTCH PETROLEUM CO NY SH COMMON STOCK     780257804     2609    43296 SH       DEFINED               43296        0        0
ROYAL DUTCH PETROLEUM CO NY SH COMMON STOCK     780257804      252     4175 SH       OTHER                  3375        0      800
SAP AKTIENGESELLSCHAFT SPONSOR COMMON STOCK     803054204      211     6100 SH       DEFINED                6100        0        0
SEAGRAM LIMITED COM            COMMON STOCK     811850106       78     1550 SH       DEFINED                1550        0        0
SENETEK PLC SPONSORED ADR      COMMON STOCK     817209307        0      200 SH       DEFINED                 200        0        0
SHELL TRANS & TRADING PLC NY S COMMON STOCK     822703609      517    11150 SH       DEFINED               11150        0        0
SHELL TRANS & TRADING PLC NY S COMMON STOCK     822703609       28      600 SH       OTHER                     0      600        0
SMITHKLINE BEECHAM PLC ADR CLA COMMON STOCK     832378301      575     8700 SH       DEFINED                8700        0        0
SMITHKLINE BEECHAM PLC ADR CLA COMMON STOCK     832378301      264     4000 SH       OTHER                  4000        0        0
SONY CORP AMERICAN SHARES NEW  COMMON STOCK     835699307      386     3500 SH       DEFINED                3500        0        0
STEINER LEISURE LTD            COMMON STOCK     P8744Y102      449    14800 SH       DEFINED               14800        0        0
TALISMAN ENERGY INC COM        COMMON STOCK     87425E103      452    17000 SH       OTHER                 17000        0        0
TELE CENTRO OESTE CELULAR PART COMMON STOCK     87923P105        0        1 SH       OTHER                     1        0        0
TELECOM ITALIA SPA             COMMON STOCK     87927W106      430     4085 SH       DEFINED                4085        0        0
TELEFONICA S A SPONSORED ADR   COMMON STOCK     879382208      121      821 SH       OTHER                     0      821        0
TELEFONOS DE MEXICO S A ADR NO COMMON STOCK     879403400       40     9880 SH       DEFINED                   0        0     9880
TELEFONOS DE MEXICO S A SPON O COMMON STOCK     879403780       26      327 SH       DEFINED                 163        0      164
TRANSCANADA PIPELINES LIMITED  COMMON STOCK     893526103     7777   555474 SH       DEFINED              521396        0    34078
TRANSCANADA PIPELINES LIMITED  COMMON STOCK     893526103       57     4102 SH       OTHER                  4102        0        0
TRANSOCEAN OFFSHORE INC CAY IS COMMON STOCK     G90076103     2180    83058 SH       DEFINED               82558        0      500
TRANSOCEAN OFFSHORE INC CAY IS COMMON STOCK     G90076103       50     1920 SH       OTHER                  1920        0        0
TRANSPORTACION MARITIMA MEXICA COMMON STOCK     893868208        5     1000 SH       DEFINED                1000        0        0
UNILEVER NV NEW YORK SHARES NE COMMON STOCK     904784709     3114    44651 SH       DEFINED               43823        0      828
UNILEVER NV NEW YORK SHARES NE COMMON STOCK     904784709      690     9888 SH       OTHER                  9710        0      178
XL CAPITAL LTD CLASS A         COMMON STOCK     G98255105     7271   128696 SH       DEFINED              125098        0     3598
XL CAPITAL LTD CLASS A         COMMON STOCK     G98255105       88     1557 SH       OTHER                  1557        0        0
YPF SOCIEDAD ANONIMA SPONSORED COMMON STOCK     984245100      735    19337 SH       DEFINED                2847        0    16490
MIDLAND BANK PLC 9.125% SERIES PREFERRED STOCK  597433861       39     1500 SH       OTHER               N.A.     N.A.     N.A.
MORGAN STANLEY PLC 8.20% SERIE PREFERRED STOCK  616906707      127     5000 SH       DEFINED             N.A.     N.A.     N.A.
AIRTOUCH COMM 4.25% CONV SER C PREFERRED STOCK  00949T308     1787    12100 SH       DEFINED             N.A.     N.A.     N.A.
AIRTOUCH COMM 4.25% CONV SER C PREFERRED STOCK  00949T308      118      800 SH       OTHER               N.A.     N.A.     N.A.
ATLANTIC RICHFIELD CO PFD CONV PREFERRED STOCK  048825400       25      100 SH       DEFINED             N.A.     N.A.     N.A.
AVISTA CORP $1.24 SER L CONV P PREFERRED STOCK  05379B503       20     1200 SH       OTHER               N.A.     N.A.     N.A.
CAMDEN PROPERTY TR $2.25 SER A PREFERRED STOCK  133131201        8      300 SH       DEFINED             N.A.     N.A.     N.A.
EL PASO ENERGY CAP I 4.75% CON PREFERRED STOCK  283678209      609    12300 SH       DEFINED             N.A.     N.A.     N.A.
MICROSOFT CORP 2.1960 SER A CO PREFERRED STOCK  594918203      500     5000 SH       DEFINED             N.A.     N.A.     N.A.
PRIME RETAIL 8.5% SER B CONV P PREFERRED STOCK  741570303     2889   180557 SH       DEFINED             N.A.     N.A.     N.A.
PRIME RETAIL 8.5% SER B CONV P PREFERRED STOCK  741570303       17     1047 SH       OTHER               N.A.     N.A.     N.A.
SEALED AIR CORP NEW SER A $2 P PREFERRED STOCK  81211K209        5       83 SH       DEFINED             N.A.     N.A.     N.A.
SEALED AIR CORP NEW SER A $2 P PREFERRED STOCK  81211K209       88     1406 SH       OTHER               N.A.     N.A.     N.A.
UNISYS CORP PFD SER A CONV $3. PREFERRED STOCK  909214207        4       66 SH       DEFINED             N.A.     N.A.     N.A.
WENDYS FINANCING I 5.0% A CONV PREFERRED STOCK  950588202      490     8100 SH       DEFINED             N.A.     N.A.     N.A.
NORAM ENERGY CORP        6%  3 OTHER            655419AC3      183   200000 PRN      OTHER               N.A.     N.A.     N.A.
ADAMS EXPRESS CO               OTHER            006212104      158     5442 SH       DEFINED             N.A.     N.A.     N.A.
ALLIANCE ALL-MARKET ADVANTAGE  OTHER            01852M108      223     5000 SH       DEFINED             N.A.     N.A.     N.A.
DIAMONDS TRUST SERIES I        OTHER            252787106       42      380 SH       DEFINED             N.A.     N.A.     N.A.
DUFF & PHELPS UTILS INCOME INC OTHER            264324104      137    12876 SH       DEFINED             N.A.     N.A.     N.A.
DUFF & PHELPS UTILS INCOME INC OTHER            264324104        5      505 SH       OTHER               N.A.     N.A.     N.A.
EQUUS II INC COM               OTHER            294766100        5      281 SH       DEFINED             N.A.     N.A.     N.A.
FIRST FINANCIAL FUND           OTHER            320228109        6      630 SH       OTHER               N.A.     N.A.     N.A.
FIRST ISRAEL FUND INC          OTHER            32063L100       60     4000 SH       DEFINED             N.A.     N.A.     N.A.
GABELLI EQUITY TRUST INC COM   OTHER            362397101       13     1023 SH       DEFINED             N.A.     N.A.     N.A.
GABELLI GLOBAL MULTIMEDIA TRUS OTHER            36239Q109        2      125 SH       DEFINED             N.A.     N.A.     N.A.
JOHN HANCOCK PATRIOT PREM DIV  OTHER            41013T105       22     2000 SH       OTHER               N.A.     N.A.     N.A.
LATIN AMERICAN INVESTMENT FD I OTHER            518279104       18     1643 SH       DEFINED             N.A.     N.A.     N.A.
MORG STNLY DEAN WTER ASIA-PAC  OTHER            61744U106       77     8000 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STNLY DEAN WTER INDIA I OTHER            61745C105      179    18500 SH       DEFINED             N.A.     N.A.     N.A.
TRI-CONTINENTAL CORP COM       OTHER            895436103      403    13335 SH       DEFINED             N.A.     N.A.     N.A.
ACM GOVERNMENT INCOME FUND INC OTHER            000912105      132    15666 SH       DEFINED             N.A.     N.A.     N.A.
ALL AMERICAN TERM TRUST INC    OTHER            016440109       32     2620 SH       DEFINED             N.A.     N.A.     N.A.
BLACKROCK INCOME TRUST INC COM OTHER            09247F100       50     7500 SH       OTHER               N.A.     N.A.     N.A.
BLACKROCK TARGET TERM TRUST IN OTHER            092476100       48     5000 SH       OTHER               N.A.     N.A.     N.A.
CIGNA INVTS SECS INC COM *     OTHER            17179X106       70     4500 SH       DEFINED             N.A.     N.A.     N.A.
HIGH INCOME OPPORTUNITY FUND,  OTHER            42967Q105       20     1858 SH       DEFINED             N.A.     N.A.     N.A.
HYPERION TOTAL RETURN FUND INC OTHER            449145101       35     4200 SH       DEFINED             N.A.     N.A.     N.A.
HYPERION 1999 TERM TRUST INC C OTHER            448913103       46     6500 SH       DEFINED             N.A.     N.A.     N.A.
MFS CHARTERED INCOME TRUST SBI OTHER            552727109       18     2000 SH       OTHER               N.A.     N.A.     N.A.
MFS MULTI MARKET INCOME TR SBI OTHER            552737108       13     2086 SH       DEFINED             N.A.     N.A.     N.A.
MONTGOMERY STR INCOME SECS INC OTHER            614115103       27     1500 SH       DEFINED             N.A.     N.A.     N.A.
PACHOLDER FD INC COM           OTHER            693742108      196    13325 SH       DEFINED             N.A.     N.A.     N.A.
PILGRIM PRIME RATE TRUST       OTHER            72146W103       19     2000 SH       OTHER               N.A.     N.A.     N.A.
PIMCO COMMERCIAL MTG SECURITIE OTHER            693388100        9      667 SH       DEFINED             N.A.     N.A.     N.A.
PIONEER INTEREST SHARES INC CO OTHER            723703104      145    12500 SH       DEFINED             N.A.     N.A.     N.A.
PUTNAM MASTER INTER INCOME TRU OTHER            746909100      188    25957 SH       DEFINED             N.A.     N.A.     N.A.
PUTNAM MASTER INTER INCOME TRU OTHER            746909100       14     1914 SH       OTHER               N.A.     N.A.     N.A.
PUTNAM PREMIER INCOME TRUST SB OTHER            746853100       19     2416 SH       DEFINED             N.A.     N.A.     N.A.
SALOMON BROTHERS HIGH INCOME F OTHER            794907105        3      250 SH       DEFINED             N.A.     N.A.     N.A.
TEMPLETON GLOBAL INCOME FUND I OTHER            880198106        7     1000 SH       OTHER               N.A.     N.A.     N.A.
VAN KAMPEN BOND FUND INC., COM OTHER            920955101       27     1500 SH       DEFINED             N.A.     N.A.     N.A.
VAN KAMPEN CAPITAL SENIOR INC  OTHER            920961109       96    10100 SH       DEFINED             N.A.     N.A.     N.A.
VESTAUR SECURITIES INC *       OTHER            925464109       59     4500 SH       DEFINED             N.A.     N.A.     N.A.
ACM MUNICIPAL SECS INCOME FD I OTHER            000942102       20     1500 SH       DEFINED             N.A.     N.A.     N.A.
BLACKROCK INSD MUN 2008 TERM T OTHER            09247K109      103     6700 SH       DEFINED             N.A.     N.A.     N.A.
BLACKROCK INSD MUN 2008 TERM T OTHER            09247K109      129     8398 SH       OTHER               N.A.     N.A.     N.A.
BLACKROCK INSURED MUNICIPAL TE OTHER            092474105       33     3000 SH       DEFINED             N.A.     N.A.     N.A.
BLACKROCK INVESTMENT QUALITY M OTHER            09247D105       17     1200 SH       DEFINED             N.A.     N.A.     N.A.
BLACKROCK MUNICIPAL TARGET TER OTHER            09247M105       16     1510 SH       DEFINED             N.A.     N.A.     N.A.
COLONIAL MUNICIPAL INCOME TRUS OTHER            195799101        7     1000 SH       OTHER               N.A.     N.A.     N.A.
DREYFUS MUNICIPAL INCOME INC C OTHER            26201R102       20     2361 SH       DEFINED             N.A.     N.A.     N.A.
DREYFUS STRATEGIC MUNI BOND FU OTHER            26202F107      176    20288 SH       DEFINED             N.A.     N.A.     N.A.
DREYFUS STRATEGIC MUNICIPALS I OTHER            261932107      287    31284 SH       DEFINED             N.A.     N.A.     N.A.
DUFF & PHELPS UTILS T/F INCOME OTHER            264325101      164    10000 SH       DEFINED             N.A.     N.A.     N.A.
INSURED MUNI INCOME FUND       OTHER            45809F104        9      690 SH       DEFINED             N.A.     N.A.     N.A.
INSURED MUNI INCOME FUND       OTHER            45809F104        8      581 SH       OTHER               N.A.     N.A.     N.A.
INVESTMENT GRADE MUNICIPAL INC OTHER            461368102      169    11370 SH       DEFINED             N.A.     N.A.     N.A.
INVESTMENT GRADE MUNICIPAL INC OTHER            461368102       18     1214 SH       OTHER               N.A.     N.A.     N.A.
KEMPER MUNICIPAL INCOME TR COM OTHER            48842C104        2      125 SH       DEFINED             N.A.     N.A.     N.A.
MANAGED MUNICIPAL PORTFOLIO II OTHER            561663105       20     1874 SH       DEFINED             N.A.     N.A.     N.A.
MANAGED MUNICIPAL PORTFOLIO IN OTHER            561662107       19     1763 SH       DEFINED             N.A.     N.A.     N.A.
MFS MUNICIPAL INCOME TRUST     OTHER            552738106      214    26171 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STAN DEAN WITT INSD MUN OTHER            61745P866      117     8000 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STAN DEAN WITT MUNI INC OTHER            61745P452        5      500 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STAN DEAN WITTER MUNI I OTHER            61745P478        9     1075 SH       DEFINED             N.A.     N.A.     N.A.
MUNIENHANCED FUND INC COM      OTHER            626243109       21     2000 SH       OTHER               N.A.     N.A.     N.A.
MUNIVEST FUND INC COM          OTHER            626295109       24     2500 SH       OTHER               N.A.     N.A.     N.A.
MUNIYIELD FUND INC COM         OTHER            626299101       27     1900 SH       OTHER               N.A.     N.A.     N.A.
MUNIYIELD INSURED FUND INC COM OTHER            62630E107       28     2000 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN INSD MUN OPPORTUNITY FD OTHER            670984103       69     4550 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INSD MUN OPPORTUNITY FD OTHER            670984103       19     1288 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN INSD PREM INCOME MUN FD OTHER            6706D8104       51     4000 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INSD PREM INCOME MUN FD OTHER            6706D8104       73     5692 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN INSD QUALITY MUNICIPAL  OTHER            67062N103       91     6050 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INSD QUALITY MUNICIPAL  OTHER            67062N103       70     4660 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN INVT QUALITY MUN FD INC OTHER            67062E103       65     4300 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INVT QUALITY MUN FD INC OTHER            67062E103       23     1500 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN MUNI ADVANTAGE FUND INC OTHER            67062H106       31     2000 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNI MKT OPPORTUNITY FU OTHER            67062W103      216    13750 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNI MKT OPPORTUNITY FU OTHER            67062W103      122     7750 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN MUNICIPAL INCOME FUND   OTHER            67062J102       18     1500 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNICIPAL VALUE FUND IN OTHER            670928100      287    31225 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNICIPAL VALUE FUND IN OTHER            670928100       36     3902 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN PERFORMANCE PLUS MUN FD OTHER            67062P108      452    30250 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PREM INCOME MUN FD 2 IN OTHER            67063W102      129     8200 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PREMIER INSURED MUNI IN OTHER            670987106       33     2188 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PREMIER MUN INCOME FD I OTHER            670988104       76     5000 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN PREMIUM INCOME MUN FD I OTHER            67062T100      356    24866 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PREMIUM INCOME MUN FD I OTHER            67062T100       10      700 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN PREMIUM INCOME MUNICIPA OTHER            6706K4105       30     2133 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN QUALITY INCOME MUN FD I OTHER            670977107       26     1700 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN QUALITY INCOME MUN FD I OTHER            670977107       26     1700 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN SELECT MATURITIES MUNI  OTHER            67061T101       46     4000 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN SELECT MATURITIES MUNI  OTHER            67061T101       46     4000 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN SELECT QUALITY MUN FD I OTHER            670973106       66     4500 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN SELECT QUALITY MUN FD I OTHER            670973106       65     4429 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN SELECT TAX FREE INCOME  OTHER            67063X100       25     1727 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN SELECT TAX FREE INCOME  OTHER            67063C106       49     3250 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN SELECT TAX FREE INCOME  OTHER            67063C106      101     6620 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN SELECT TAX-FREE INCOME  OTHER            67062F100       64     4200 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN TEX QUALITY INCOME MUN  OTHER            670983105      271    17667 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN TEX QUALITY INCOME MUN  OTHER            670983105      142     9241 SH       OTHER               N.A.     N.A.     N.A.
PUTNAM INVT GRADE MUNICIPAL TR OTHER            746807106       63     5000 SH       DEFINED             N.A.     N.A.     N.A.
SELIGMAN SELECT MUNICIPAL FUND OTHER            816344105       14     1250 SH       DEFINED             N.A.     N.A.     N.A.
SELIGMAN SELECT MUNICIPAL FUND OTHER            816344105       14     1250 SH       OTHER               N.A.     N.A.     N.A.
VAN KAMPEN CALIFORNIA QUAL MUN OTHER            920920105       17     1000 SH       OTHER               N.A.     N.A.     N.A.
VAN KAMPEN MUNICIPAL OPPORTUNI OTHER            920935103       10      670 SH       DEFINED             N.A.     N.A.     N.A.
VAN KAMPEN MUNICIPAL TRUST     OTHER            920919107      105     6910 SH       DEFINED             N.A.     N.A.     N.A.
VAN KAMPEN STRATEGIC SECTOR MU OTHER            920943107       23     1750 SH       DEFINED             N.A.     N.A.     N.A.
HANCOCK JOHN INVESTORS TRUST   OTHER            410142103       27     1500 SH       DEFINED             N.A.     N.A.     N.A.
MEXICO EQUITY & INCOME FUND CO OTHER            592834105        6      765 SH       DEFINED             N.A.     N.A.     N.A.
MESA OFFSHORE TR               OTHER            590650107        0     1000 SH       DEFINED                1000        0        0
BUCKEYE PARTNERS L P UNIT      OTHER            118230101      896    32598 SH       DEFINED               32598        0        0
BUCKEYE PARTNERS L P UNIT      OTHER            118230101       50     1800 SH       OTHER                     0     1200      600
DORCHESTER HUGOTON LTD DEP RCP OTHER            258205202       18     1600 SH       DEFINED                1600        0        0
EOTT ENERGY PARTNERS L P       OTHER            294103106       54     3000 SH       DEFINED                3000        0        0
KANEB PIPE LINE PARTNERS L P U OTHER            484169107       60     1900 SH       DEFINED                1900        0        0
KINDER MORGAN ENERGY PARTNERS  OTHER            494550106       30      800 SH       OTHER                     0        0      800
LEVIATHAN GAS PIPELINE PARTNER OTHER            527367205       38     1600 SH       OTHER                     0        0     1600
MESABI TRUST CERTIFICATE BEN I OTHER            590672101        1      300 SH       DEFINED                 300        0        0
NORTHERN BORDER PARTNERS L P   OTHER            664785102       31     1000 SH       OTHER                  1000        0        0
PERMIAN BASIN ROYALTY TR UNIT  OTHER            714236106        8     1850 SH       DEFINED                1850        0        0
PIMCO ADVISORS HOLDINGS LP UNI OTHER            69338P102      358    12018 SH       DEFINED               12018        0        0
PLUM CREEK TIMBER CO L P DEP U OTHER            729237107       34     1100 SH       DEFINED                1100        0        0
SABINE ROYALTY TRUST UNITS BEN OTHER            785688102      150    10450 SH       DEFINED               10450        0        0
SABINE ROYALTY TRUST UNITS BEN OTHER            785688102       72     5000 SH       OTHER                  5000        0        0
SAN JUAN BASIN RTY TR UNIT BEN OTHER            798241105       47     5750 SH       DEFINED                5750        0        0
SAN JUAN BASIN RTY TR UNIT BEN OTHER            798241105       13     1650 SH       OTHER                     0     1650        0
TEPPCO PARTNERS L P UNIT LTD P OTHER            872384102       79     3200 SH       DEFINED                3200        0        0
U S TIMBERLANDS CO LP          OTHER            902977107        7      500 SH       DEFINED                 500        0        0
</TABLE>



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