UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 9/30/99
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 10/2/99
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: 1434
FORM 13F INFORMATION TABLE VALUE TOTAL: $2,287,482
<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 14986 344512 SH DEFINED 339110 180 5222
A T & T CORP COM * COMMON STOCK 001957109 955 21955 SH OTHER 17497 4458 0
ABBOTT LABORATORIES COM * COMMON STOCK 002824100 5788 157768 SH DEFINED 153968 0 3800
ABBOTT LABORATORIES COM * COMMON STOCK 002824100 2192 59750 SH OTHER 29950 23400 6400
ABC-NACO INC CORP COM COMMON STOCK 000752105 712 50400 SH DEFINED 50400 0 0
ABGENIX INC COM COMMON STOCK 00339B107 34 865 SH DEFINED 865 0 0
ADC TELECOMMUNICATIONS INC COM COMMON STOCK 000886101 4 100 SH DEFINED 100 0 0
ADVANCED MICRO DEVICES COM COMMON STOCK 007903107 1 58 SH DEFINED 58 0 0
ADVANCED TISSUE SCIENCES INC COMMON STOCK 00755F103 6 1800 SH DEFINED 1800 0 0
ADVANTAGE LEARNING SYSTEMS INC COMMON STOCK 00757K100 10 550 SH DEFINED 550 0 0
AETNA INC COM COMMON STOCK 008117103 30 600 SH DEFINED 600 0 0
AETNA INC COM COMMON STOCK 008117103 15 300 SH OTHER 0 300 0
AFLAC INC COM * COMMON STOCK 001055102 2183 52120 SH DEFINED 52120 0 0
AFLAC INC COM * COMMON STOCK 001055102 369 8800 SH OTHER 8800 0 0
AGCO CORP COM COMMON STOCK 001084102 12777 982808 SH DEFINED 949376 0 33432
AGCO CORP COM COMMON STOCK 001084102 101 7772 SH OTHER 7772 0 0
AGRIBRANDS INTL INC COMMON STOCK 00849R105 6 120 SH DEFINED 120 0 0
AIR PRODUCTS & CHEMICALS INC C COMMON STOCK 009158106 1515 51808 SH DEFINED 51208 0 600
AIR PRODUCTS & CHEMICALS INC C COMMON STOCK 009158106 547 18700 SH OTHER 18700 0 0
AIRGAS INC COM COMMON STOCK 009363102 727 62500 SH DEFINED 62500 0 0
ALBERTSON'S INC COM * COMMON STOCK 013104104 2224 56224 SH DEFINED 56124 0 100
ALBERTSON'S INC COM * COMMON STOCK 013104104 222 5600 SH OTHER 5600 0 0
ALCOA INC COM COMMON STOCK 013817101 448 7220 SH DEFINED 6420 0 800
ALLEGHENY ENERGY INC COM COMMON STOCK 017361106 284 8908 SH DEFINED 8908 0 0
ALLEGHENY ENERGY INC COM COMMON STOCK 017361106 41 1300 SH OTHER 300 1000 0
ALLEGHENY TELEDYNE INC COM COMMON STOCK 017415100 22 1287 SH DEFINED 1287 0 0
ALLIANT ENERGY CORP COMMON STOCK 018802108 94 3400 SH DEFINED 3400 0 0
ALLIEDSIGNAL INC COM COMMON STOCK 019512102 1078 17980 SH DEFINED 17180 0 800
ALLIEDSIGNAL INC COM COMMON STOCK 019512102 78 1300 SH OTHER 0 0 1300
ALLSTATE CORP COM COMMON STOCK 020002101 11823 474089 SH DEFINED 457783 0 16306
ALLSTATE CORP COM COMMON STOCK 020002101 209 8373 SH OTHER 8373 0 0
ALLTEL CORP COM * COMMON STOCK 020039103 77084 1095331 SH DEFINED 1085578 0 9753
ALLTEL CORP COM * COMMON STOCK 020039103 3845 54638 SH OTHER 53850 788 0
ALTERA CORP COM * COMMON STOCK 021441100 6001 138345 SH DEFINED 132345 0 6000
ALTERA CORP COM * COMMON STOCK 021441100 39 890 SH OTHER 890 0 0
AMEREN CORP COM COMMON STOCK 023608102 45 1200 SH DEFINED 1200 0 0
AMEREN CORP COM COMMON STOCK 023608102 10 275 SH OTHER 0 275 0
AMERICA ONLINE INC DEL COM COMMON STOCK 02364J104 458 4400 SH DEFINED 3889 0 511
AMERICA ONLINE INC DEL COM COMMON STOCK 02364J104 21 200 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 441 12919 SH DEFINED 12919 0 0
AMERICAN ELECTRIC POWER INC CO COMMON STOCK 025537101 9 274 SH OTHER 274 0 0
AMERICAN EXPRESS CO COM * COMMON STOCK 025816109 11153 82617 SH DEFINED 79367 700 2550
AMERICAN EXPRESS CO COM * COMMON STOCK 025816109 1007 7460 SH OTHER 7460 0 0
AMERICAN FINANCIAL GROUP INC O COMMON STOCK 025932104 40 1415 SH DEFINED 1415 0 0
AMERICAN GENERAL CORP COM * COMMON STOCK 026351106 13185 208466 SH DEFINED 204066 0 4400
AMERICAN GENERAL CORP COM * COMMON STOCK 026351106 894 14140 SH OTHER 14140 0 0
AMERICAN GREETINGS CORP CLASS COMMON STOCK 026375105 685 26605 SH DEFINED 26605 0 0
AMERICAN HOME PRODUCTS CORP CO COMMON STOCK 026609107 13631 328461 SH DEFINED 322811 120 5530
AMERICAN HOME PRODUCTS CORP CO COMMON STOCK 026609107 1443 34760 SH OTHER 24360 10400 0
AMERICAN INT'L GROUP INC COM * COMMON STOCK 026874107 14256 163980 SH DEFINED 158872 0 5108
AMERICAN INT'L GROUP INC COM * COMMON STOCK 026874107 1127 12965 SH OTHER 12122 0 843
AMERICAN NATIONAL INSURANCE CO COMMON STOCK 028591105 498 7427 SH DEFINED 3200 0 4227
AMERICAN POWER CONVERSION CORP COMMON STOCK 029066107 402 21150 SH DEFINED 21150 0 0
AMERICAN POWER CONVERSION CORP COMMON STOCK 029066107 42 2230 SH OTHER 2230 0 0
AMERICAN RESIDENTIAL INVESTMEN COMMON STOCK 02926T103 28 3300 SH DEFINED 3300 0 0
AMERICAN RETIREMENT CORP COM COMMON STOCK 028913101 10 1000 SH DEFINED 1000 0 0
AMERITECH CORP COM * COMMON STOCK 030954101 3256 48778 SH DEFINED 47710 0 1068
AMERITECH CORP COM * COMMON STOCK 030954101 1138 17046 SH OTHER 17046 0 0
AMES DEPARTMENT STORES INC COM COMMON STOCK 030789507 810 25400 SH DEFINED 25400 0 0
AMFM INC COM COMMON STOCK 001693100 32 521 SH DEFINED 300 0 221
AMGEN INC COM * COMMON STOCK 031162100 1140 13990 SH DEFINED 13990 0 0
AMGEN INC COM * COMMON STOCK 031162100 261 3200 SH OTHER 3200 0 0
AMLI RESIDENTIAL PROPERTIES TR COMMON STOCK 001735109 23 1100 SH DEFINED 1100 0 0
AMR CORP DELAWARE COM COMMON STOCK 001765106 200 3675 SH DEFINED 3675 0 0
AMRESCO INC COM COMMON STOCK 031909104 1 200 SH DEFINED 200 0 0
ANADARKO PETROLEUM CORP COM COMMON STOCK 032511107 50 1625 SH DEFINED 1625 0 0
ANADARKO PETROLEUM CORP COM COMMON STOCK 032511107 6 200 SH OTHER 0 0 200
ANCHOR GAMING COM COMMON STOCK 033037102 1089 18300 SH DEFINED 18300 0 0
ANDREW CORP COM * COMMON STOCK 034425108 1597 91890 SH DEFINED 91890 0 0
ANDREW CORP COM * COMMON STOCK 034425108 180 10345 SH OTHER 10345 0 0
ANDRX CORP COM COMMON STOCK 034551101 59 1000 SH OTHER 1000 0 0
ANHEUSER BUSCH COS INC COM * COMMON STOCK 035229103 7688 109734 SH DEFINED 109734 0 0
ANHEUSER BUSCH COS INC COM * COMMON STOCK 035229103 361 5150 SH OTHER 5150 0 0
AON CORP COM COMMON STOCK 037389103 50 1695 SH DEFINED 0 1695 0
APACHE CORP COM COMMON STOCK 037411105 58 1348 SH DEFINED 250 0 1098
APACHE CORP COM COMMON STOCK 037411105 4 100 SH OTHER 0 0 100
APOLLO GROUP INC CLASS A COMMON STOCK 037604105 21 1000 SH DEFINED 1000 0 0
APPLE COMPUTER INC COM COMMON STOCK 037833100 63 1000 SH DEFINED 1000 0 0
APPLIED MATERIALS INC COM * COMMON STOCK 038222105 2363 30422 SH DEFINED 29922 0 500
APPLIED MATERIALS INC COM * COMMON STOCK 038222105 78 1010 SH OTHER 1010 0 0
APPLIED POWER INC CLASS A COMMON STOCK 038225108 784 25800 SH DEFINED 25800 0 0
ARCHER DANIELS MIDLAND CO COM COMMON STOCK 039483102 59 4844 SH DEFINED 4844 0 0
ARCHSTONE COMMUNITIES TRUST SB COMMON STOCK 039581103 1184 59945 SH DEFINED 58345 0 1600
ARCHSTONE COMMUNITIES TRUST SB COMMON STOCK 039581103 464 23503 SH OTHER 23503 0 0
ARDEN REALTY GROUP INC COM COMMON STOCK 039793104 15 700 SH DEFINED 0 0 700
ARGONAUT GROUP INC COM COMMON STOCK 040157109 4 142 SH DEFINED 142 0 0
ARVIN INDUSTRIES INC COM COMMON STOCK 043339100 10 325 SH DEFINED 325 0 0
ASPEN TECHNOLOGY INC COM (DEL) COMMON STOCK 045327103 10 1000 SH DEFINED 1000 0 0
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 1430 39716 SH DEFINED 39716 0 0
AT HOME CORP SERIES A COMMON STOCK 045919107 26 624 SH DEFINED 624 0 0
AT HOME CORP SERIES A COMMON STOCK 045919107 46 1112 SH OTHER 1112 0 0
AT&T CORP COM LIBERTY MEDIA GR COMMON STOCK 001957208 1074 28782 SH DEFINED 28782 0 0
AT&T CORP COM LIBERTY MEDIA GR COMMON STOCK 001957208 13 340 SH OTHER 340 0 0
ATLANTIC RICHFIELD CO COM * COMMON STOCK 048825103 1243 14024 SH DEFINED 13974 0 50
ATLANTIC RICHFIELD CO COM * COMMON STOCK 048825103 1458 16452 SH OTHER 13512 640 2300
AUTOLIV INC COM COMMON STOCK 052800109 31 818 SH OTHER 0 818 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 2620 58704 SH DEFINED 58704 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 223 5000 SH OTHER 3800 1200 0
AUTOZONE INC COM COMMON STOCK 053332102 17 600 SH OTHER 600 0 0
AVERY DENNISON CORP COM * COMMON STOCK 053611109 11280 213833 SH DEFINED 207033 2000 4800
AVERY DENNISON CORP COM * COMMON STOCK 053611109 1299 24621 SH OTHER 24621 0 0
AVIRON COM COMMON STOCK 053762100 12 500 SH DEFINED 500 0 0
AVNET INC COM COMMON STOCK 053807103 108 2560 SH DEFINED 2560 0 0
AVON PRODUCTS INC COM COMMON STOCK 054303102 15 600 SH DEFINED 600 0 0
AVON PRODUCTS INC COM COMMON STOCK 054303102 40 1600 SH OTHER 1600 0 0
AXA FINANCIAL INC COM COMMON STOCK 002451102 21 378 SH DEFINED 378 0 0
AZTEC MANUFACTURING COMPANY CO COMMON STOCK 054825104 5 441 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 1248 43048 SH DEFINED 43033 0 15
BAKER HUGHES INC COM * COMMON STOCK 057224107 155 5331 SH OTHER 5331 0 0
BALL CORP COM COMMON STOCK 058498106 88 2000 SH OTHER 0 2000 0
BANK OF AMERICA CORP COM * COMMON STOCK 060505104 4440 79732 SH DEFINED 79732 0 0
BANK OF AMERICA CORP COM * COMMON STOCK 060505104 919 16502 SH OTHER 16502 0 0
BANK OF NEW YORK INC COM COMMON STOCK 064057102 67 2000 SH DEFINED 2000 0 0
BANK OF NEW YORK INC COM COMMON STOCK 064057102 281 8400 SH OTHER 0 8400 0
BANK ONE CORP COM* COMMON STOCK 06423A103 1165 33462 SH DEFINED 21811 0 11651
BANK ONE CORP COM* COMMON STOCK 06423A103 168 4840 SH OTHER 0 4840 0
BANKBOSTON CORP COM COMMON STOCK 06605R106 48 1100 SH DEFINED 1100 0 0
BARD C. R. INC COM COMMON STOCK 067383109 282 6000 SH DEFINED 6000 0 0
BASIN EXPLORATION INC COM COMMON STOCK 070107107 662 27600 SH DEFINED 27600 0 0
BASIN EXPLORATION INC COM COMMON STOCK 070107107 24 1000 SH OTHER 1000 0 0
BATTLE MOUNTAIN GOLD COM COMMON STOCK 071593107 1 277 SH DEFINED 0 0 277
BATTLE MOUNTAIN GOLD COM COMMON STOCK 071593107 2 675 SH OTHER 675 0 0
BAXTER INTERNATIONAL INC COM * COMMON STOCK 071813109 2270 37678 SH DEFINED 37678 0 0
BAXTER INTERNATIONAL INC COM * COMMON STOCK 071813109 74 1221 SH OTHER 1221 0 0
BAY BANCSHARES INC COM COMMON STOCK 07203N109 110 6485 SH DEFINED 6485 0 0
BECTON DICKINSON & CO COM * COMMON STOCK 075887109 1994 71070 SH DEFINED 71070 0 0
BECTON DICKINSON & CO COM * COMMON STOCK 075887109 406 14450 SH OTHER 14450 0 0
BELL ATLANTIC CORP COM * COMMON STOCK 077853109 8538 126847 SH DEFINED 125189 0 1658
BELL ATLANTIC CORP COM * COMMON STOCK 077853109 1709 25394 SH OTHER 24042 0 1352
BELLSOUTH CORP COM * COMMON STOCK 079860102 5804 128967 SH DEFINED 127435 0 1532
BELLSOUTH CORP COM * COMMON STOCK 079860102 1378 30622 SH OTHER 29894 728 0
BELLWETHER EXPLORATION CO COM COMMON STOCK 079895207 23 3625 SH DEFINED 3000 0 625
BELO A. H. CORP CLASS A COMMON STOCK 080555105 1385 72436 SH DEFINED 72436 0 0
BEMIS INC COM* COMMON STOCK 081437105 630 18585 SH DEFINED 18585 0 0
BEMIS INC COM* COMMON STOCK 081437105 203 6000 SH OTHER 0 6000 0
BENTON OIL & GAS CO COM COMMON STOCK 083288100 3 1000 SH OTHER 0 0 1000
BERGEN BRUNSWIG CORP CLASS A * COMMON STOCK 083739102 400 38524 SH DEFINED 35700 2824 0
BERGEN BRUNSWIG CORP CLASS A * COMMON STOCK 083739102 261 25120 SH OTHER 25120 0 0
BERKSHIRE HATHAWAY INC CLASS B COMMON STOCK 084670207 826 445 SH DEFINED 430 0 15
BERKSHIRE HATHAWAY INC CLASS B COMMON STOCK 084670207 458 247 SH OTHER 242 0 5
BERKSHIRE HATHAWAY INC DEL CL COMMON STOCK 084670108 110 2 SH DEFINED 0 0 2
BERKSHIRE REALTY INC COM COMMON STOCK 084710102 5 400 SH DEFINED 400 0 0
BESTFOODS COM * COMMON STOCK 08658U101 1030 21203 SH DEFINED 21203 0 0
BESTFOODS COM * COMMON STOCK 08658U101 78 1600 SH OTHER 300 0 1300
BILLING CONCEPTS CORP COM COMMON STOCK 090063108 18 3600 SH DEFINED 3600 0 0
BIOGEN INC COM COMMON STOCK 090597105 71 900 SH DEFINED 900 0 0
BIOMATRIX INC COM COMMON STOCK 09060P102 34 1500 SH DEFINED 1500 0 0
BIOMET INC COM COMMON STOCK 090613100 29 1100 SH DEFINED 100 0 1000
BLACK HILLS CORP COM COMMON STOCK 092113109 21 900 SH DEFINED 900 0 0
BLOCK H & R INC COM COMMON STOCK 093671105 139 3200 SH DEFINED 3000 0 200
BMC INDUSTRIES INC MINN COM COMMON STOCK 055607105 1 100 SH DEFINED 100 0 0
BMC SOFTWARE INC COM* COMMON STOCK 055921100 14177 198105 SH DEFINED 193690 0 4415
BMC SOFTWARE INC COM* COMMON STOCK 055921100 481 6726 SH OTHER 6726 0 0
BOEING CO COM * COMMON STOCK 097023105 851 19956 SH DEFINED 19356 0 600
BOEING CO COM * COMMON STOCK 097023105 125 2942 SH OTHER 2942 0 0
BOISE CASCADE CORP COM COMMON STOCK 097383103 6 158 SH DEFINED 158 0 0
BOK FINANCIAL CORP COM COMMON STOCK 05561Q201 20 1030 SH DEFINED 1030 0 0
BORDERS GROUP INC COM COMMON STOCK 099709107 5 355 SH DEFINED 355 0 0
BOYKIN LODGING CO COM COMMON STOCK 103430104 15 1100 SH DEFINED 1100 0 0
BRE PROPERTIES INC CLASS A COMMON STOCK 05564E106 12 500 SH DEFINED 500 0 0
BRISTOL-MYERS SQUIBB CO COM * COMMON STOCK 110122108 13735 203486 SH DEFINED 198086 0 5400
BRISTOL-MYERS SQUIBB CO COM * COMMON STOCK 110122108 1174 17399 SH OTHER 16999 400 0
BROADVISION INC COM COMMON STOCK 111412102 67 500 SH DEFINED 0 0 500
BROWN SHOE INC NEW COM COMMON STOCK 115736100 165 9000 SH DEFINED 9000 0 0
BROWN-FORMAN CORP CLASS B COMMON STOCK 115637209 19 310 SH DEFINED 310 0 0
BUILDING MATERIALS HOLDING COR COMMON STOCK 120113105 263 26300 SH DEFINED 26300 0 0
BURLINGTON INDUSTRIES INC NEW COMMON STOCK 121693105 2 520 SH DEFINED 520 0 0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK 12189T104 229 8326 SH DEFINED 8326 0 0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK 12189T104 475 17265 SH OTHER 15265 2000 0
BURLINGTON RESOURCES INC COM COMMON STOCK 122014103 58 1576 SH DEFINED 1576 0 0
BURLINGTON RESOURCES INC COM COMMON STOCK 122014103 81 2191 SH OTHER 0 871 1320
BURR BROWN CORP COM COMMON STOCK 122574106 897 22700 SH DEFINED 22700 0 0
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
CAMDEN PROPERTY TRUST SBI COMMON STOCK 133131102 331 12328 SH DEFINED 12328 0 0
CAMDEN PROPERTY TRUST SBI COMMON STOCK 133131102 36 1340 SH OTHER 0 640 700
CAMPBELL SOUP CO COM * COMMON STOCK 134429109 28 725 SH DEFINED 725 0 0
CAMPBELL SOUP CO COM * COMMON STOCK 134429109 175 4476 SH OTHER 2700 1776 0
CAPITAL AUTOMOTIVE REIT COMMON STOCK 139733109 10511 849337 SH DEFINED 817236 0 32101
CAPITAL AUTOMOTIVE REIT COMMON STOCK 139733109 84 6827 SH OTHER 6827 0 0
CAPROCK COMMUNICATIONS CORP CO COMMON STOCK 140667106 10 450 SH DEFINED 450 0 0
CARDINAL HEALTH INC COM COMMON STOCK 14149Y108 33 600 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 20 1000 SH DEFINED 1000 0 0
CARNIVAL CORPORATION COM* COMMON STOCK 143658102 4014 92273 SH DEFINED 90273 2000 0
CARNIVAL CORPORATION COM* COMMON STOCK 143658102 1676 38520 SH OTHER 38520 0 0
CAROLINA POWER & LIGHT CO COM COMMON STOCK 144141108 92 2600 SH DEFINED 2600 0 0
CAROLINA POWER & LIGHT CO COM COMMON STOCK 144141108 18 512 SH OTHER 512 0 0
CARRIAGE SERVICES INC CLASS A COMMON STOCK 143905107 72 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 733 77670 SH OTHER 77670 0 0
CASTLE & COOKE INC NEW COM COMMON STOCK 148433105 1 87 SH DEFINED 87 0 0
CATERPILLAR INC COM * COMMON STOCK 149123101 175 3200 SH DEFINED 2900 0 300
CATERPILLAR INC COM * COMMON STOCK 149123101 337 6152 SH OTHER 4200 1852 100
CBS CORP COM COMMON STOCK 12490K107 1452 31400 SH DEFINED 31000 0 400
CBS CORP COM COMMON STOCK 12490K107 124 2675 SH OTHER 2675 0 0
CEC ENTERTAINMENT INC COM COMMON STOCK 125137109 1141 31800 SH DEFINED 31800 0 0
CELADON GROUP INC COM COMMON STOCK 150838100 46 6000 SH DEFINED 6000 0 0
CENDANT CORP COM COMMON STOCK 151313103 648 36500 SH DEFINED 36400 0 100
CENTRAL & SOUTH WEST CORP COM COMMON STOCK 152357109 764 36144 SH DEFINED 36144 0 0
CENTRAL & SOUTH WEST CORP COM COMMON STOCK 152357109 216 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
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 2112 28014 SH DEFINED 28014 0 0
CHASE MANHATTAN CORP NEW COM * COMMON STOCK 16161A108 244 3239 SH OTHER 408 2831 0
CHELSEA GCA REALTY INC COM COMMON STOCK 163262108 19 600 SH DEFINED 500 0 100
CHEVRON CORP COM * COMMON STOCK 166751107 13009 146578 SH DEFINED 143303 0 3275
CHEVRON CORP COM * COMMON STOCK 166751107 1169 13177 SH OTHER 8131 4846 200
CHIQUITA BRANDS INTL INC COM COMMON STOCK 170032106 9100 1532599 SH DEFINED 1464193 0 68406
CHIQUITA BRANDS INTL INC COM COMMON STOCK 170032106 93 15692 SH OTHER 15692 0 0
CIDCO INC COM COMMON STOCK 171768104 550 42100 SH DEFINED 42100 0 0
CIENA CORP COM COMMON STOCK 171779101 37 1000 SH DEFINED 0 0 1000
CIGNA CORP COM COMMON STOCK 125509109 610 7842 SH DEFINED 7842 0 0
CINCINNATI FINANCIAL CORP COM COMMON STOCK 172062101 25 660 SH DEFINED 660 0 0
CINERGY CORP COM COMMON STOCK 172474108 11 400 SH DEFINED 400 0 0
CIRCUIT CITY GROUP COMMON STOCK 172737108 827 19600 SH DEFINED 19600 0 0
CISCO SYSTEM INC COM * COMMON STOCK 17275R102 8675 126521 SH DEFINED 126421 0 100
CISCO SYSTEM INC COM * COMMON STOCK 17275R102 1125 16410 SH OTHER 15510 900 0
CIT GROUP INC CLASS A COMMON STOCK 125577106 341 16600 SH DEFINED 16600 0 0
CITIGROUP INC COM * COMMON STOCK 172967101 27544 625996 SH DEFINED 613046 2550 10400
CITIGROUP INC COM * COMMON STOCK 172967101 3520 79991 SH OTHER 74366 5625 0
CITIZENS UTILITIES CO DEL COM COMMON STOCK 177342201 14 1277 SH DEFINED 1277 0 0
CLARUS CORP DEL COM COMMON STOCK 182707109 9 1000 SH DEFINED 1000 0 0
CLAYTON HOMES INC COM * COMMON STOCK 184190106 942 108395 SH DEFINED 106165 0 2230
CLAYTON HOMES INC COM * COMMON STOCK 184190106 188 21652 SH OTHER 21652 0 0
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK 184502102 4664 58395 SH DEFINED 58395 0 0
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK 184502102 12250 153368 SH OTHER 153368 0 0
CLECO CORP NEW COM COMMON STOCK 12561W105 36 1100 SH DEFINED 1100 0 0
CLECO CORP NEW COM COMMON STOCK 12561W105 28 860 SH OTHER 860 0 0
CLOROX CO COM * COMMON STOCK 189054109 522 13640 SH DEFINED 12840 0 800
CLOROX CO COM * COMMON STOCK 189054109 597 15618 SH OTHER 10018 800 4800
CMGI INC COM COMMON STOCK 125750109 17 170 SH DEFINED 170 0 0
CMGI INC COM COMMON STOCK 125750109 41 400 SH OTHER 0 0 400
CNA SURETY CORP COM COMMON STOCK 12612L108 396 30200 SH DEFINED 30200 0 0
CNET INC COM COMMON STOCK 125945105 112 2000 SH DEFINED 0 0 2000
COASTAL BANCORP INC TEX COMMON STOCK 19041P105 87 5000 SH DEFINED 5000 0 0
COASTAL CORP COM * COMMON STOCK 190441105 4102 100195 SH DEFINED 100195 0 0
COASTAL CORP COM * COMMON STOCK 190441105 1625 39700 SH OTHER 39700 0 0
COCA COLA BOTTLING CO CONSOLID COMMON STOCK 191098102 25 448 SH DEFINED 448 0 0
COCA COLA CO COM * COMMON STOCK 191216100 8397 174035 SH DEFINED 173085 0 950
COCA COLA CO COM * COMMON STOCK 191216100 1741 36080 SH OTHER 29080 3000 4000
COLGATE-PALMOLIVE CO COM * COMMON STOCK 194162103 15523 339292 SH DEFINED 332922 0 6370
COLGATE-PALMOLIVE CO COM * COMMON STOCK 194162103 665 14546 SH OTHER 14546 0 0
COLONIAL PROPERTIES TRUST COMMON STOCK 195872106 13 500 SH DEFINED 500 0 0
COLUMBIA ENERGY GROUP COMMON COMMON STOCK 197648108 13 243 SH DEFINED 243 0 0
COLUMBIA/HCA HEALTHCARE CORP C COMMON STOCK 197677107 69 3236 SH DEFINED 182 0 3054
COMCAST CORP CLASS A SPECIAL COMMON STOCK 200300200 4 100 SH DEFINED 100 0 0
COMERICA INC COM * COMMON STOCK 200340107 469 9270 SH DEFINED 9270 0 0
COMMERCE GROUP INC MASS COM COMMON STOCK 200641108 138 6000 SH DEFINED 6000 0 0
COMMERCIAL FEDERAL CORP COM COMMON STOCK 201647104 2913 148443 SH DEFINED 142328 0 6115
COMMERCIAL FEDERAL CORP COM COMMON STOCK 201647104 25 1293 SH OTHER 1293 0 0
COMPAQ COMPUTER CORP COM * COMMON STOCK 204493100 9701 424067 SH DEFINED 409385 2900 11782
COMPAQ COMPUTER CORP COM * COMMON STOCK 204493100 860 37600 SH OTHER 37300 0 300
COMPASS BANCSHARES INC COM COMMON STOCK 20449H109 1144 45750 SH DEFINED 45750 0 0
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</TABLE>