CULLEN FROST BANKERS INC
13F-HR, 1999-11-15
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: 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
COMPUTER ASSOC INTERNATIONAL I COMMON STOCK     204912109       11      180 SH       DEFINED                 180        0        0
COMPUTER SCIENCES CORP COM *   COMMON STOCK     205363104    13833   196736 SH       DEFINED              196526        0      210
COMPUTER SCIENCES CORP COM *   COMMON STOCK     205363104      939    13360 SH       OTHER                 13360        0        0
COMPUWARE CORP COM             COMMON STOCK     205638109       39     1500 SH       DEFINED                   0        0     1500
COMSAT CORP COM SER 1          COMMON STOCK     20564D107       15      500 SH       DEFINED                 500        0        0
CONAGRA INC COM                COMMON STOCK     205887102      315    13954 SH       DEFINED               13954        0        0
CONAGRA INC COM                COMMON STOCK     205887102      169     7500 SH       OTHER                  7500        0        0
CONOCO INC CL B WI             COMMON STOCK     208251405      151     5526 SH       DEFINED                5526        0        0
CONOCO INC CL B WI             COMMON STOCK     208251405       84     3070 SH       OTHER                     0     3070        0
CONOCO INC CLASS A             COMMON STOCK     208251306       22      800 SH       DEFINED                   0        0      800
CONSECO INC COM *              COMMON STOCK     208464107    18016   948221 SH       DEFINED              920151      600    27470
CONSECO INC COM *              COMMON STOCK     208464107      262    13790 SH       OTHER                 13790        0        0
CONSOLIDATED EDISON INC COM    COMMON STOCK     209115104      129     3100 SH       DEFINED                3000        0      100
CONSOLIDATED NATURAL GAS CORP  COMMON STOCK     209615103      585     9374 SH       DEFINED                9374        0        0
CONSOLIDATED NATURAL GAS CORP  COMMON STOCK     209615103      225     3600 SH       OTHER                  3400      200        0
CONSOLIDATED PAPERS INC COM    COMMON STOCK     209759109       86     3200 SH       DEFINED                3200        0        0
CONSOLIDATED STORES CORP COM   COMMON STOCK     210149100       66     3000 SH       DEFINED                3000        0        0
CONSTELLATION ENERGY GROUP INC COMMON STOCK     210371100       20      700 SH       DEFINED                 700        0        0
CONSTELLATION ENERGY GROUP INC COMMON STOCK     210371100        8      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
CORDANT TECHNOLOGIES INC COM   COMMON STOCK     218412104       37     1200 SH       DEFINED                1200        0        0
CORDANT TECHNOLOGIES INC COM   COMMON STOCK     218412104       73     2400 SH       OTHER                  2000      400        0
CORN PRODUCTS INTERNATIONAL IN COMMON STOCK     219023108        8      271 SH       DEFINED                 271        0        0
CORNING INC COM                COMMON STOCK     219350105     2934    42800 SH       DEFINED               42800        0        0
COST PLUS INC CALIF COM        COMMON STOCK     221485105     1082    22300 SH       DEFINED               22300        0        0
COSTCO WHOLESALE CORP NEW COM  COMMON STOCK     22160K105       22      300 SH       DEFINED                   0        0      300
COUNTRYWIDE CREDIT INDS INC CO COMMON STOCK     222372104       26      800 SH       DEFINED                 500        0      300
COX COMMUNICATIONS INC CLASS A COMMON STOCK     224044107        8      185 SH       DEFINED                   0        0      185
COX COMMUNICATIONS INC CLASS A COMMON STOCK     224044107        2       54 SH       OTHER                     0       54        0
CRANE CO COM *                 COMMON STOCK     224399105      680    30326 SH       DEFINED               28376     1950        0
CRANE CO COM *                 COMMON STOCK     224399105      476    21230 SH       OTHER                 21230        0        0
CRESCENT OPERATING INC COM     COMMON STOCK     22575M100        0       80 SH       DEFINED                  80        0        0
CRESCENT REAL EST EQTY TRUST   COMMON STOCK     225756105      518    28800 SH       DEFINED               28800        0        0
CRESCENT REAL EST EQTY TRUST   COMMON STOCK     225756105       53     2968 SH       OTHER                   168     1000     1800
CROSS TIMBERS OIL CO COM       COMMON STOCK     227573102       46     3375 SH       OTHER                     0     3375        0
CROSS TIMBERS ROYALTY TRUST    COMMON STOCK     22757R109      119    10000 SH       DEFINED               10000        0        0
CROSS TIMBERS ROYALTY TRUST    COMMON STOCK     22757R109       43     3600 SH       OTHER                     0     1800     1800
CROWN CORK & SEAL INC COM *    COMMON STOCK     228255105       33     1350 SH       DEFINED                1350        0        0
CROWN CORK & SEAL INC COM *    COMMON STOCK     228255105       15      600 SH       OTHER                   600        0        0
CSX CORP COM *                 COMMON STOCK     126408103      232     5480 SH       DEFINED                5480        0        0
CSX CORP COM *                 COMMON STOCK     126408103       17      400 SH       OTHER                   400        0        0
CULLEN/FROST BANKERS INC COM   COMMON STOCK     229899109    12850   513982 SH       DEFINED              430384    51060    32538
CULLEN/FROST BANKERS INC COM   COMMON STOCK     229899109     1782    71280 SH       OTHER                 56450    14464      366
CUMMINS ENGINE COMPANY INC COM COMMON STOCK     231021106        6      114 SH       DEFINED                 114        0        0
CVS CORP COM                   COMMON STOCK     126650100      167     4090 SH       DEFINED                4090        0        0
CYPRESS SEMICONDUCTOR CORP COM COMMON STOCK     232806109      624    29000 SH       DEFINED               29000        0        0
CYTEC INDUSTRIES INC COM       COMMON STOCK     232820100        9      363 SH       DEFINED                 363        0        0
DANA CORP COM                  COMMON STOCK     235811106        8      210 SH       DEFINED                 210        0        0
DARDEN RESTAURANTS INC COM     COMMON STOCK     237194105       20     1046 SH       DEFINED                1046        0        0
DARDEN RESTAURANTS INC COM     COMMON STOCK     237194105       67     3400 SH       OTHER                     0     3200      200
DAYTON HUDSON CORP COM *       COMMON STOCK     239753106    13412   223308 SH       DEFINED              217008        0     6300
DAYTON HUDSON CORP COM *       COMMON STOCK     239753106      766    12750 SH       OTHER                 12750        0        0
DEAN FOODS CO COM              COMMON STOCK     242361103      174     4000 SH       DEFINED                4000        0        0
DEERE & CO COM *               COMMON STOCK     244199105      159     4107 SH       DEFINED                4107        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     4648   111152 SH       DEFINED              107194        0     3958
DELL COMPUTER CORP COM*        COMMON STOCK     247025109      313     7480 SH       OTHER                  7480        0        0
DELPHI AUTOMOTIVE SYSTEMS CORP COMMON STOCK     247126105       68     4213 SH       DEFINED                4144        0       69
DELPHI AUTOMOTIVE SYSTEMS CORP COMMON STOCK     247126105        5      313 SH       OTHER                   313        0        0
DELUXE CORP COM                COMMON STOCK     248019101      219     6450 SH       DEFINED                6450        0        0
DELUXE CORP COM                COMMON STOCK     248019101       27      800 SH       OTHER                     0      800        0
DEVON ENERGY CORPORATION NEW C COMMON STOCK     25179M103      875    21115 SH       DEFINED               21115        0        0
DEVON ENERGY CORPORATION NEW C COMMON STOCK     25179M103        4      100 SH       OTHER                     0        0      100
DIAMOND OFFSHORE DRILLING INC  COMMON STOCK     25271C102        7      200 SH       DEFINED                 200        0        0
DIEBOLD INC COM *              COMMON STOCK     253651103     1845    79780 SH       DEFINED               79405        0      375
DIEBOLD INC COM *              COMMON STOCK     253651103       27     1175 SH       OTHER                  1175        0        0
DII GROUP INC COM              COMMON STOCK     232949107        1       38 SH       DEFINED                  38        0        0
DILLARDS INC CLASS A           COMMON STOCK     254067101     9099   447955 SH       DEFINED              428832        0    19123
DILLARDS INC CLASS A           COMMON STOCK     254067101       80     3962 SH       OTHER                  3962        0        0
DISNEY WALT CO COM *           COMMON STOCK     254687106     2750   105769 SH       DEFINED              105669        0      100
DISNEY WALT CO COM *           COMMON STOCK     254687106      984    37836 SH       OTHER                 25442     7194     5200
DOMINION RESOURCES INC COM     COMMON STOCK     257470104      228     5050 SH       DEFINED                5050        0        0
DOUBLECLICK INC                COMMON STOCK     258609304       20      170 SH       DEFINED                 170        0        0
DOVER CORP COM *               COMMON STOCK     260003108      960    23488 SH       DEFINED               23488        0        0
DOVER CORP COM *               COMMON STOCK     260003108       82     2000 SH       OTHER                  2000        0        0
DOW CHEMICAL CO COM *          COMMON STOCK     260543103      305     2686 SH       DEFINED                2686        0        0
DOW CHEMICAL CO COM *          COMMON STOCK     260543103      134     1178 SH       OTHER                   878      300        0
DRIL-QUIP INC COM              COMMON STOCK     262037104       38     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       42     1166 SH       OTHER                     0     1166        0
DU PONT E I DE NEMOURS & CO CO COMMON STOCK     263534109     6394   105690 SH       DEFINED              104990        0      700
DU PONT E I DE NEMOURS & CO CO COMMON STOCK     263534109     1490    24620 SH       OTHER                 19662     4958        0
DUKE ENERGY CORP *             COMMON STOCK     264399106    10520   190830 SH       DEFINED              190820        0       10
DUKE ENERGY CORP *             COMMON STOCK     264399106      447     8108 SH       OTHER                  8108        0        0
DUKE WEEKS REALTY CORP COM     COMMON STOCK     264411505       33     1700 SH       DEFINED                1700        0        0
DUN & BRADSTREET CORP DEL NEW  COMMON STOCK     26483B106       48     1600 SH       DEFINED                1600        0        0
E M C CORP MASSACHUSETTS COM * COMMON STOCK     268648102    25640   359232 SH       DEFINED              358492      400      340
E M C CORP MASSACHUSETTS COM * COMMON STOCK     268648102     1335    18701 SH       OTHER                 17901      800        0
E TOWN CORP COM                COMMON STOCK     269242103       10      200 SH       DEFINED                   0        0      200
E.SPIRE COMMUNICATIONS INC COM COMMON STOCK     269153102        9     1250 SH       DEFINED                1250        0        0
E.W. BLANCH HOLDINGS INC COM   COMMON STOCK     093210102       91     1400 SH       DEFINED                1400        0        0
EARTHGRAINS COMPANY COM        COMMON STOCK     270319106      125     5640 SH       DEFINED                5640        0        0
EASTERN UTILITIES ASSOCIATES   COMMON STOCK     277173100        9      300 SH       DEFINED                 300        0        0
EASTMAN CHEMICAL CO COM        COMMON STOCK     277432100        1       37 SH       DEFINED                  37        0        0
EASTMAN CHEMICAL CO COM        COMMON STOCK     277432100        2       56 SH       OTHER                    56        0        0
EASTMAN KODAK CO COM *         COMMON STOCK     277461109      560     7410 SH       DEFINED                7410        0        0
EASTMAN KODAK CO COM *         COMMON STOCK     277461109      149     1975 SH       OTHER                  1975        0        0
EATON CORP COM *               COMMON STOCK     278058102      819     9494 SH       DEFINED                9494        0        0
EATON CORP COM *               COMMON STOCK     278058102       18      210 SH       OTHER                   210        0        0
ECOLAB INC COM                 COMMON STOCK     278865100      182     5344 SH       DEFINED                5344        0        0
EDISON INTERNATIONAL COM*      COMMON STOCK     281020107      189     7758 SH       DEFINED                7758        0        0
EDWARDS A G INC COM *          COMMON STOCK     281760108       89     3378 SH       DEFINED                3378        0        0
EDWARDS A G INC COM *          COMMON STOCK     281760108       35     1324 SH       OTHER                  1324        0        0
EEX CORP NEW COM               COMMON STOCK     26842V207        0      124 SH       OTHER                     0        0      124
EG & G INC COM                 COMMON STOCK     268457108      119     3000 SH       DEFINED                3000        0        0
EL PASO ENERGY CORP DEL COM *  COMMON STOCK     283905107     9967   247637 SH       DEFINED              246759        0      878
EL PASO ENERGY CORP DEL COM *  COMMON STOCK     283905107      472    11717 SH       OTHER                 11301      416        0
ELCOR CORP COM                 COMMON STOCK     284443108      899    35950 SH       DEFINED               35950        0        0
ELECTRIC FUEL CORP COM         COMMON STOCK     284871100       17    13000 SH       DEFINED               13000        0        0
ELECTRO SCIENTIFIC INDUSTRIES  COMMON STOCK     285229100      778    14600 SH       DEFINED               14600        0        0
ELECTRONIC DATA SYSTEMS CORP C COMMON STOCK     285661104       90     1698 SH       DEFINED                1698        0        0
ELECTRONIC DATA SYSTEMS CORP C COMMON STOCK     285661104       53     1000 SH       OTHER                  1000        0        0
ELI LILLY & CO COM *           COMMON STOCK     532457108     8244   128440 SH       DEFINED              128140        0      300
ELI LILLY & CO COM *           COMMON STOCK     532457108      262     4080 SH       OTHER                  2380     1600      100
EMERSON ELECTRIC CO COM *      COMMON STOCK     291011104     8735   138239 SH       DEFINED              135339     1000     1900
EMERSON ELECTRIC CO COM *      COMMON STOCK     291011104     2622    41488 SH       OTHER                 36488     1000     4000
EMPIRE DISTRICT ELECTRIC CO CO COMMON STOCK     291641108       43     1700 SH       DEFINED                1700        0        0
ENCORE MEDICAL CORP            COMMON STOCK     29256E109       11     5000 SH       DEFINED                   0        0     5000
ENERGY EAST CORP COM           COMMON STOCK     29266M109       22      912 SH       DEFINED                 912        0        0
ENESCO GROUP INC COM           COMMON STOCK     292973104       77     5000 SH       DEFINED                5000        0        0
ENRON CORP COM *               COMMON STOCK     293561106    11381   277168 SH       DEFINED              274238     1780     1150
ENRON CORP COM *               COMMON STOCK     293561106     2108    51326 SH       OTHER                 49326        0     2000
ENSCO INTERNATIONAL INC COM    COMMON STOCK     26874Q100       45     2500 SH       DEFINED                   0        0     2500
ENTERCOM COMMUNICATIONS CORP C COMMON STOCK     293639100        7      200 SH       DEFINED                 200        0        0
ENTERGY CORP NEW COM           COMMON STOCK     29364G103      271     9365 SH       DEFINED                9365        0        0
ENTERGY CORP NEW COM           COMMON STOCK     29364G103       43     1500 SH       OTHER                  1500        0        0
ENTERTAINMENT PROPERTIES TRUST COMMON STOCK     29380T105       15     1000 SH       DEFINED                1000        0        0
ENZO BIOCHEM INC COM           COMMON STOCK     294100102      543    19142 SH       DEFINED               19142        0        0
EOG RESOURCES INC COM          COMMON STOCK     26875P101        4      192 SH       DEFINED                 192        0        0
EOG RESOURCES INC COM          COMMON STOCK     26875P101        2      100 SH       OTHER                     0        0      100
EPITOPE INC COM                COMMON STOCK     294261102        2      300 SH       DEFINED                 300        0        0
EQUIFAX INC COM *              COMMON STOCK     294429105      134     4760 SH       DEFINED                4760        0        0
EQUIFAX INC COM *              COMMON STOCK     294429105       68     2400 SH       OTHER                  2400        0        0
ESCO ELECTRONICS CORP TRUST RE COMMON STOCK     269030201       14     1219 SH       DEFINED                1219        0        0
ESCO ELECTRONICS CORP TRUST RE COMMON STOCK     269030201        1      125 SH       OTHER                   125        0        0
ETEC SYSTEMS INC COM           COMMON STOCK     26922C103       19      500 SH       OTHER                     0      500        0
EXODUS COMMUNICATIONS INC      COMMON STOCK     302088109      144     2000 SH       DEFINED                1000        0     1000
EXXON CORP COM *               COMMON STOCK     302290101    30647   403249 SH       DEFINED              397794        0     5455
EXXON CORP COM *               COMMON STOCK     302290101     8003   105301 SH       OTHER                 96233     6868     2200
F N B CORP PA COM              COMMON STOCK     302520101      253    10450 SH       DEFINED               10450        0        0
FANNIE MAE *                   COMMON STOCK     313586109    45352   723462 SH       DEFINED              702036        0    21426
FANNIE MAE *                   COMMON STOCK     313586109     1973    31471 SH       OTHER                 30716      755        0
FDX CORP COM                   COMMON STOCK     31304N107       39     1000 SH       OTHER                  1000        0        0
FEDERAL MOGUL CORP COM         COMMON STOCK     313549107      110     4000 SH       DEFINED                4000        0        0
FEDERAL REALTY INVESTMENT TRUS COMMON STOCK     313747206       21     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        9      500 SH       DEFINED                 500        0        0
FIDELITY NATIONAL FINANCIAL IN COMMON STOCK     316326107      467    30767 SH       DEFINED               30767        0        0
FINANCIAL SEC ASSURANCE HOLDIN COMMON STOCK     31769P100      311     6010 SH       DEFINED                6010        0        0
FINISH LINE INC CLASS A        COMMON STOCK     317923100      163    18600 SH       DEFINED               18600        0        0
FIRST AMERICAN CORP TENNESSEE  COMMON STOCK     318900107      204     4680 SH       DEFINED                   0        0     4680
FIRST AMERICAN CORP TENNESSEE  COMMON STOCK     318900107      114     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      298     6800 SH       DEFINED                6575        0      225
FIRST DATA CORP COM *          COMMON STOCK     319963104      101     2300 SH       OTHER                  2300        0        0
FIRST FED FINL CORP OF KENTUCK COMMON STOCK     319961108       54     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     2362    66293 SH       DEFINED               66193        0      100
FIRST UNION CORP COM *         COMMON STOCK     337358105      134     3754 SH       OTHER                  3754        0        0
FIRST UNION REAL ESTATE EQUITY COMMON STOCK     337400105       25     5096 SH       DEFINED                5096        0        0
FIRSTAR CORP NEW WIS COM       COMMON STOCK     33763V109      429    16741 SH       DEFINED               16741        0        0
FIRSTAR CORP NEW WIS COM       COMMON STOCK     33763V109      228     8906 SH       OTHER                  8906        0        0
FIRSTENERGY CORP COM           COMMON STOCK     337932107      199     7870 SH       DEFINED                7870        0        0
FIRSTENERGY CORP COM           COMMON STOCK     337932107       13      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     5024   154570 SH       DEFINED              154570        0        0
FISERV INC COM *               COMMON STOCK     337738108      180     5549 SH       OTHER                  5549        0        0
FLEET FINANCIAL GROUP INC COM  COMMON STOCK     338915101     2997    81822 SH       DEFINED               78480        0     3342
FLEET FINANCIAL GROUP INC COM  COMMON STOCK     338915101      230     6292 SH       OTHER                  6240        0       52
FLORIDA PROGRESS CORP COM      COMMON STOCK     341109106       37      800 SH       DEFINED                 800        0        0
FLOWERS INDUSTRIES INC COM*    COMMON STOCK     343496105     4776   352161 SH       DEFINED              336706        0    15455
FLOWERS INDUSTRIES INC COM*    COMMON STOCK     343496105      280    20675 SH       OTHER                 20675        0        0
FLUOR CORP COM                 COMMON STOCK     343861100       40     1000 SH       OTHER                  1000        0        0
FONAR CORP COM                 COMMON STOCK     344437108        0       96 SH       DEFINED                  96        0        0
FOODMAKER INC COM              COMMON STOCK     344839204      661    26500 SH       DEFINED               26500        0        0
FORD MOTOR CO DELAWARE COM *   COMMON STOCK     345370100     4221    83996 SH       DEFINED               83796      100      100
FORD MOTOR CO DELAWARE COM *   COMMON STOCK     345370100       95     1900 SH       OTHER                  1900        0        0
FOREST OIL CORP COM            COMMON STOCK     346091606      486    28500 SH       DEFINED               28500        0        0
FORT JAMES CORP COM            COMMON STOCK     347471104      331    12408 SH       DEFINED               12408        0        0
FORTUNE BRANDS INC COM *       COMMON STOCK     349631101     2020    62646 SH       DEFINED               62646        0        0
FPL GROUP INC COM *            COMMON STOCK     302571104      979    19434 SH       DEFINED               19434        0        0
FPL GROUP INC COM *            COMMON STOCK     302571104       35      700 SH       OTHER                   700        0        0
FREDDIE MAC *                  COMMON STOCK     313400301     2547    48974 SH       DEFINED               48374        0      600
FREDDIE MAC *                  COMMON STOCK     313400301       68     1300 SH       OTHER                  1300        0        0
FREEPORT-MCMORAN COPPER & GOLD COMMON STOCK     35671D857        2      145 SH       DEFINED                 145        0        0
FRUIT OF THE LOOM INC CLASS A  COMMON STOCK     G3682L105        4     1050 SH       DEFINED                1050        0        0
FVC.COM INC                    COMMON STOCK     30266P100        4      300 SH       DEFINED                 300        0        0
GABLES RESIDENTIAL TRUST       COMMON STOCK     362418105        7      275 SH       DEFINED                 275        0        0
GANNETT CO COM*                COMMON STOCK     364730101      585     8450 SH       DEFINED                8450        0        0
GAP INC COM *                  COMMON STOCK     364760108     4891   152843 SH       DEFINED              152573      270        0
GAP INC COM *                  COMMON STOCK     364760108      161     5045 SH       OTHER                  5045        0        0
GARDEN RIDGE CORP COM          COMMON STOCK     36541P104       29     4000 SH       DEFINED                4000        0        0
GARTNER GROUP INC NEW CLASS B  COMMON STOCK     366651206        7      416 SH       DEFINED                 416        0        0
GARTNER GROUP INC NEW CLASS B  COMMON STOCK     366651206        2      130 SH       OTHER                     0      130        0
GASONICS INTERNATIONAL CORP CO COMMON STOCK     367278108      512    31000 SH       DEFINED               31000        0        0
GATX CORP COM                  COMMON STOCK     361448103       12      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        5       84 SH       DEFINED                  84        0        0
GENERAL ELECTRIC CO COM *      COMMON STOCK     369604103    49803   420057 SH       DEFINED              411657      500     7900
GENERAL ELECTRIC CO COM *      COMMON STOCK     369604103     7713    65054 SH       OTHER                 49414     7440     8200
GENERAL MILLS INC COM          COMMON STOCK     370334104      680     8381 SH       DEFINED                8381        0        0
GENERAL MILLS INC COM          COMMON STOCK     370334104      422     5200 SH       OTHER                   800     4200      200
GENERAL MOTORS CORP CLASS H NE COMMON STOCK     370442832        6       98 SH       DEFINED                  98        0        0
GENERAL MOTORS CORP CLASS H NE COMMON STOCK     370442832        1       20 SH       OTHER                    20        0        0
GENERAL MOTORS CORP COM        COMMON STOCK     370442105      937    14889 SH       DEFINED               14339        0      550
GENERAL MOTORS CORP COM        COMMON STOCK     370442105      120     1911 SH       OTHER                  1911        0        0
GENUINE PARTS CO COM           COMMON STOCK     372460105      106     4000 SH       DEFINED                4000        0        0
GENUINE PARTS CO COM           COMMON STOCK     372460105       30     1125 SH       OTHER                  1125        0        0
GENZYME CORP-GENERAL DIVISION  COMMON STOCK     372917104       43      950 SH       DEFINED                 950        0        0
GENZYME MOLECULAR ONCOLOGY COM COMMON STOCK     372917500       11     1925 SH       DEFINED                1925        0        0
GEORGIA PACIFIC TIMBER GROUP C COMMON STOCK     373298702       23     1000 SH       DEFINED                1000        0        0
GEORGIA-PACIFIC CORP COM *     COMMON STOCK     373298108     4707   116400 SH       DEFINED              116400        0        0
GEORGIA-PACIFIC CORP COM *     COMMON STOCK     373298108      186     4600 SH       OTHER                  4600        0        0
GERON CORP COM                 COMMON STOCK     374163103        5      500 SH       DEFINED                 500        0        0
GIANT INDUSTRIES INC COM       COMMON STOCK     374508109       40     3422 SH       DEFINED                3422        0        0
GILLETTE CO COM *              COMMON STOCK     375766102     1850    54525 SH       DEFINED               52735        0     1790
GILLETTE CO COM *              COMMON STOCK     375766102      517    15225 SH       OTHER                 13225        0     2000
GLATFELTER P. H. CO COM        COMMON STOCK     377316104      197    12000 SH       DEFINED               12000        0        0
GLOBAL CROSSING LTD COM        COMMON STOCK     G3921A100      118     4450 SH       DEFINED                2900        0     1550
GLOBAL CROSSING LTD COM        COMMON STOCK     G3921A100        5      200 SH       OTHER                   200        0        0
GLOBAL INDUSTRIAL TECHNOLOGIES COMMON STOCK     379335102        2      140 SH       DEFINED                 140        0        0
GLOBAL INDUSTRIES LTD COM      COMMON STOCK     379336100       16     2000 SH       OTHER                  2000        0        0
GLOBAL MARINE INC COM NEW      COMMON STOCK     379352404       16     1000 SH       DEFINED                1000        0        0
GLOBAL MARINE INC COM NEW      COMMON STOCK     379352404       12      700 SH       OTHER                   700        0        0
GOLDMAN SACHS GROUP INC COM    COMMON STOCK     38141G104      226     3700 SH       OTHER                  3700        0        0
GOODRICH B. F. CO COM          COMMON STOCK     382388106       10      355 SH       DEFINED                 355        0        0
GOODYEAR TIRE & RUBBER CO COM  COMMON STOCK     382550101       59     1230 SH       DEFINED                1230        0        0
GORMAN RUPP CO COM             COMMON STOCK     383082104       10      675 SH       OTHER                     0      675        0
GO2NET INC COM                 COMMON STOCK     383486107       65     1000 SH       DEFINED                   0        0     1000
GPU INC COM                    COMMON STOCK     36225X100       10      300 SH       DEFINED                 300        0        0
GRACE W R & CO NEW COM         COMMON STOCK     38388F108      611    37336 SH       DEFINED               37336        0        0
GRACE W R & CO NEW COM         COMMON STOCK     38388F108       49     2962 SH       OTHER                  2962        0        0
GRAINGER W W INC COM           COMMON STOCK     384802104      464     9645 SH       DEFINED                9645        0        0
GRANITE CONSTRUCTION INC COM   COMMON STOCK     387328107      898    34450 SH       DEFINED               34450        0        0
GREAT LAKES CHEMICAL CORP COM  COMMON STOCK     390568103        4      117 SH       DEFINED                 117        0        0
GREATER BAY BANCORP COM        COMMON STOCK     391648102      518    15300 SH       DEFINED               15300        0        0
GROUP MAINTENANCE AMERICA CORP COMMON STOCK     39943E107      504    40311 SH       DEFINED               40311        0        0
GTE CORP COM *                 COMMON STOCK     362320103    15406   200406 SH       DEFINED              196754        0     3652
GTE CORP COM *                 COMMON STOCK     362320103     1382    17979 SH       OTHER                 17979        0        0
HALLIBURTON CO COM *           COMMON STOCK     406216101     1691    41234 SH       DEFINED               40359        0      875
HALLIBURTON CO COM *           COMMON STOCK     406216101      761    18550 SH       OTHER                 13850     3000     1700
HALLWOOD ENERGY CORP DEL COM   COMMON STOCK     40636X105        0       17 SH       DEFINED                  17        0        0
HALTER MARINE GROUP INC COM    COMMON STOCK     40642Y105       24     4390 SH       DEFINED                4390        0        0
HANDLEMAN CO DEL COM           COMMON STOCK     410252100      460    34700 SH       DEFINED               34700        0        0
HARLEY-DAVIDSON INC COM *      COMMON STOCK     412822108      101     2018 SH       DEFINED                2018        0        0
HARLEY-DAVIDSON INC COM *      COMMON STOCK     412822108       85     1700 SH       OTHER                   900        0      800
HARRAH'S ENTERTAINMENT INC COM COMMON STOCK     413619107       22      800 SH       DEFINED                 600        0      200
HARTE-HANKS, INC. COMMON STOCK COMMON STOCK     416196103       25     1000 SH       DEFINED                1000        0        0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104     1072    26220 SH       DEFINED               26220        0        0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104       98     2400 SH       OTHER                     0        0     2400
HASBRO INC COM *               COMMON STOCK     418056107     7066   328671 SH       DEFINED              314971     3000    10700
HASBRO INC COM *               COMMON STOCK     418056107      263    12244 SH       OTHER                 12244        0        0
HCC INSURANCE HOLDINGS INC COM COMMON STOCK     404132102    10213   607478 SH       DEFINED              583789        0    23689
HCC INSURANCE HOLDINGS INC COM COMMON STOCK     404132102       67     4011 SH       OTHER                  4011        0        0
HEALTH CARE REIT INC           COMMON STOCK     42217K106       22     1100 SH       DEFINED                1100        0        0
HEALTHCARE REALTY TRUST INC CO COMMON STOCK     421946104       16      851 SH       DEFINED                 511        0      340
HEALTHSOUTH CORP COM *         COMMON STOCK     421924101      140    22820 SH       DEFINED               22780        0       40
HEALTHSOUTH CORP COM *         COMMON STOCK     421924101       18     3000 SH       OTHER                  3000        0        0
HEARST-ARGYLE TELEVISION INC C COMMON STOCK     422317107       44     2025 SH       DEFINED                2025        0        0
HEINZ H. J. CO COM*            COMMON STOCK     423074103      717    16667 SH       DEFINED               16667        0        0
HEINZ H. J. CO COM*            COMMON STOCK     423074103      213     4950 SH       OTHER                  3750     1200        0
HERBALIFE INTERNATIONAL CLASS  COMMON STOCK     426908208        3      166 SH       DEFINED                 166        0        0
HERBALIFE INTERNATIONAL INC CL COMMON STOCK     426908307        5      333 SH       DEFINED                 333        0        0
HERSHEY FOODS CORP COM *       COMMON STOCK     427866108      285     5850 SH       DEFINED                5850        0        0
HERSHEY FOODS CORP COM *       COMMON STOCK     427866108       97     2000 SH       OTHER                   400        0     1600
HEWLETT PACKARD CO COM (DEL)*  COMMON STOCK     428236103     6776    74670 SH       DEFINED               72870        0     1800
HEWLETT PACKARD CO COM (DEL)*  COMMON STOCK     428236103     1536    16921 SH       OTHER                 16921        0        0
HIBBETT SPORTING GOODS INC COM COMMON STOCK     428565105      290    17700 SH       DEFINED               17700        0        0
HIBERNIA CORP CLASS A          COMMON STOCK     428656102       12     1000 SH       DEFINED                1000        0        0
HIGHLANDS INSURANCE GROUP INC  COMMON STOCK     431032101        9     1000 SH       OTHER                  1000        0        0
HILFIGER TOMMY CORP COM *      COMMON STOCK     G8915Z102      817    28980 SH       DEFINED               26980     2000        0
HILFIGER TOMMY CORP COM *      COMMON STOCK     G8915Z102      446    15840 SH       OTHER                 15840        0        0
HILLENBRAND INDUSTRIES INC COM COMMON STOCK     431573104       53     2000 SH       DEFINED                2000        0        0
HILTON HOTELS CORP COM         COMMON STOCK     432848109        9      900 SH       DEFINED                 500        0      400
HOME DEPOT INC COM *           COMMON STOCK     437076102     7553   110062 SH       DEFINED              106962        0     3100
HOME DEPOT INC COM *           COMMON STOCK     437076102      135     1970 SH       OTHER                  1970        0        0
HOME PRODUCTS INTERNATIONAL IN COMMON STOCK     437305105       29     2710 SH       DEFINED                2710        0        0
HOMESTORE.COM INC COM          COMMON STOCK     437852106       29      700 SH       OTHER                   700        0        0
HON INDUSTRIES INC COM         COMMON STOCK     438092108     3308   171835 SH       DEFINED              165343        0     6492
HON INDUSTRIES INC COM         COMMON STOCK     438092108       27     1422 SH       OTHER                  1422        0        0
HONEYWELL INC COM *            COMMON STOCK     438506107     2591    23274 SH       DEFINED               23274        0        0
HONEYWELL INC COM *            COMMON STOCK     438506107       36      320 SH       OTHER                   320        0        0
HOSPITALITY PROPERTIES TRUST   COMMON STOCK     44106M102       13      585 SH       DEFINED                   0        0      585
HOUSEHOLD INTERNATIONAL CORP C COMMON STOCK     441815107      325     8100 SH       DEFINED                8100        0        0
HRPT PROPERTIES TRUST          COMMON STOCK     40426W101       35     3150 SH       DEFINED                3150        0        0
HRPT PROPERTIES TRUST          COMMON STOCK     40426W101      108     9636 SH       OTHER                  9636        0        0
HSB GROUP INC COM              COMMON STOCK     40428N109      243     6900 SH       OTHER                     0     6900        0
HUGHES SUPPLY INC COM          COMMON STOCK     444482103        8      354 SH       DEFINED                 354        0        0
HUMAN GENOME SCIENCES INC COM  COMMON STOCK     444903108        7      100 SH       DEFINED                 100        0        0
HUNTINGTON BANCSHARES INC COM  COMMON STOCK     446150104        8      314 SH       DEFINED                 314        0        0
HUSSMANN INTERNATIONAL INC COM COMMON STOCK     448110106        2      100 SH       DEFINED                 100        0        0
I 2 TECHNOLOGIES INC COM       COMMON STOCK     465754109       39     1000 SH       DEFINED                1000        0        0
IBP INC COM                    COMMON STOCK     449223106    21597   874832 SH       DEFINED              842415        0    32417
IBP INC COM                    COMMON STOCK     449223106      148     5994 SH       OTHER                  5994        0        0
ICN PHARMACEUTICALS INC NEW    COMMON STOCK     448924100       19     1130 SH       DEFINED                1130        0        0
IDACORP INC COM                COMMON STOCK     451107106       33     1100 SH       OTHER                  1100        0        0
IKON OFFICE SOLUTIONS INC COM  COMMON STOCK     451713101      261    24400 SH       DEFINED               24400        0        0
ILEX ONCOLOGY INC COM          COMMON STOCK     451923106       28     2300 SH       DEFINED                2300        0        0
ILLINOIS TOOL WORKS INC COM *  COMMON STOCK     452308109     1118    15000 SH       DEFINED               15000        0        0
ILLINOIS TOOL WORKS INC COM *  COMMON STOCK     452308109      432     5800 SH       OTHER                  5800        0        0
IMATION CORP COM               COMMON STOCK     45245A107       16      530 SH       DEFINED                 530        0        0
IMATION CORP COM               COMMON STOCK     45245A107       18      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        0       30 SH       DEFINED                  30        0        0
IMPERIAL SUGAR CO NEW COM      COMMON STOCK     453096109    12772  2085170 SH       DEFINED             1854903   229817      450
IMPERIAL SUGAR CO NEW COM      COMMON STOCK     453096109      923   150650 SH       OTHER                150650        0        0
IMS HEALTH INC COM             COMMON STOCK     449934108      228    10000 SH       DEFINED               10000        0        0
IMS HEALTH INC COM             COMMON STOCK     449934108       23     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       17     1500 SH       DEFINED                1500        0        0
INFORMIX CORP COM              COMMON STOCK     456779107        4      500 SH       DEFINED                 500        0        0
INFORMIX CORP COM              COMMON STOCK     456779107       32     4000 SH       OTHER                  4000        0        0
INGERSOLL-RAND CO COM *        COMMON STOCK     456866102    12304   223962 SH       DEFINED              216482     1500     5980
INGERSOLL-RAND CO COM *        COMMON STOCK     456866102     1280    23300 SH       OTHER                 23300        0        0
INHALE THERAPEUTIC SYSTEMS INC COMMON STOCK     457191104       49     1600 SH       DEFINED                1600        0        0
INKTOMI CORP COM               COMMON STOCK     457277101       12      100 SH       DEFINED                 100        0        0
INPUT/OUTPUT INC COM           COMMON STOCK     457652105        3      500 SH       OTHER                     0        0      500
INSIGHT ENTERPRISES INC COM    COMMON STOCK     45765U103      806    24800 SH       DEFINED               24800        0        0
INSPIRE INSURANCE SOLUTIONS IN COMMON STOCK     457732105        8     1100 SH       OTHER                  1100        0        0
INT'L BUSINESS MACHINES CORP C COMMON STOCK     459200101    25978   214694 SH       DEFINED              208104     1800     4790
INT'L BUSINESS MACHINES CORP C COMMON STOCK     459200101     2153    17791 SH       OTHER                 13407     4384        0
INT'L FLAVORS & FRAGRANCES INC COMMON STOCK     459506101      343     9950 SH       DEFINED                9950        0        0
INT'L FLAVORS & FRAGRANCES INC COMMON STOCK     459506101      141     4100 SH       OTHER                   500     3600        0
INTEGRATED DEVICE TECHNOLOGY I COMMON STOCK     458118106      387    20900 SH       DEFINED               20900        0        0
INTEGRATED SILICON SOLUTION IN COMMON STOCK     45812P107       20     2000 SH       DEFINED                   0        0     2000
INTEL CORP COM *               COMMON STOCK     458140100    18852   253688 SH       DEFINED              241078        0    12610
INTEL CORP COM *               COMMON STOCK     458140100     2327    31319 SH       OTHER                 28519        0     2800
INTERLIANT INC COM             COMMON STOCK     458742103        2      200 SH       DEFINED                 200        0        0
INTERNATIONAL MULTIFOODS CORP  COMMON STOCK     460043102      616    26800 SH       DEFINED               26800        0        0
INTERNATIONAL PAPER CO COM *   COMMON STOCK     460146103     1229    25564 SH       DEFINED               24714        0      850
INTERNATIONAL PAPER CO COM *   COMMON STOCK     460146103      154     3200 SH       OTHER                  3200        0        0
INTERPUBLIC GROUP COS INC COM  COMMON STOCK     460690100      197     4800 SH       DEFINED                4800        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        4     1300 SH       DEFINED                1300        0        0
IPALCO ENTERPRISES INC COM     COMMON STOCK     462613100       50     2554 SH       DEFINED                2554        0        0
ITT EDUCATIONAL SERVICES INC C COMMON STOCK     45068B109      599    30700 SH       DEFINED               30700        0        0
ITURF INC CLASS A              COMMON STOCK     46575Q100        3      300 SH       DEFINED                 300        0        0
JDS UNIPHASE CORP COM          COMMON STOCK     46612J101       46      400 SH       OTHER                   400        0        0
JEFFERSON SAVINGS BANCORP INC  COMMON STOCK     474900107        1      125 SH       DEFINED                   0        0      125
JEFFERSON-PILOT CORP COM       COMMON STOCK     475070108       76     1200 SH       DEFINED                1200        0        0
JEFFERSON-PILOT CORP COM       COMMON STOCK     475070108       43      675 SH       OTHER                     0      675        0
JOHNSON & JOHNSON COM *        COMMON STOCK     478160104     9049    98493 SH       DEFINED               94733     1000     2760
JOHNSON & JOHNSON COM *        COMMON STOCK     478160104     2990    32545 SH       OTHER                 25545     7000        0
JOHNSON CONTROLS INC COM *     COMMON STOCK     478366107     1339    20190 SH       DEFINED               20190        0        0
JOHNSON CONTROLS INC COM *     COMMON STOCK     478366107      678    10230 SH       OTHER                 10230        0        0
JP REALTY INC COM              COMMON STOCK     46624A106       16      950 SH       DEFINED                 950        0        0
JUSTIN INDUSTRIES INC COM      COMMON STOCK     482171105      836    58900 SH       DEFINED               58900        0        0
K MART CORP COM                COMMON STOCK     482584109      153    13100 SH       DEFINED               13100        0        0
K N ENERGY INC COM             COMMON STOCK     482620101       11      500 SH       DEFINED                 500        0        0
KANSAS CITY POWER & LIGHT CO C COMMON STOCK     485134100       79     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      385    15495 SH       DEFINED               15495        0        0
KEANE INC COM                  COMMON STOCK     486665102        2      100 SH       DEFINED                 100        0        0
KELLOGG CO COM                 COMMON STOCK     487836108      105     2800 SH       DEFINED                2800        0        0
KELLOGG CO COM                 COMMON STOCK     487836108      150     4000 SH       OTHER                  4000        0        0
KENT ELECTRONICS CORP COM      COMMON STOCK     490553104       37     2000 SH       DEFINED                2000        0        0
KERR MCGEE CORP COM            COMMON STOCK     492386107        5       97 SH       DEFINED                  97        0        0
KEY PRODUCTION INC COM         COMMON STOCK     493138101       80     8235 SH       DEFINED                   0        0     8235
KEYCORP NEW COM                COMMON STOCK     493267108       25      986 SH       DEFINED                 986        0        0
KEYSPAN CORP COM *             COMMON STOCK     49337W100      390    13631 SH       DEFINED               13531        0      100
KEYSPAN CORP COM *             COMMON STOCK     49337W100       32     1112 SH       OTHER                  1012        0      100
KEYSTONE CONSOLIDATED INDUSTRI COMMON STOCK     493422109       16     3733 SH       DEFINED                3733        0        0
KIMBERLY CLARK CORP COM *      COMMON STOCK     494368103    16397   310851 SH       DEFINED              302751     2000     6100
KIMBERLY CLARK CORP COM *      COMMON STOCK     494368103     1198    22705 SH       OTHER                 22705        0        0
KIMCO REALTY CORP COM          COMMON STOCK     49446R109        7      200 SH       DEFINED                 200        0        0
KIMCO REALTY CORP COM          COMMON STOCK     49446R109       21      600 SH       OTHER                   600        0        0
KNIGHT RIDDER INC COM*         COMMON STOCK     499040103      133     2418 SH       DEFINED                2418        0        0
KNIGHT/TRIMARK GROUP INC CLASS COMMON STOCK     499067106       12      400 SH       OTHER                     0        0      400
KRONOS INC COM                 COMMON STOCK     501052104      394    10750 SH       DEFINED               10750        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       55     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     7693   240420 SH       DEFINED              230907        0     9513
LAFARGE CORP COM               COMMON STOCK     505862102       55     1710 SH       OTHER                  1710        0        0
LAM RESEARCH CORP COM          COMMON STOCK     512807108       61     1000 SH       DEFINED                1000        0        0
LANDS END INC COM              COMMON STOCK     515086106      997    15100 SH       DEFINED               15100        0        0
LASALLE HOTEL PROPERTIES       COMMON STOCK     517942108        3      200 SH       DEFINED                 200        0        0
LAUDER ESTEE COMPANIES CLASS A COMMON STOCK     518439104      684    17500 SH       DEFINED               17500        0        0
LEGG MASON INC COM             COMMON STOCK     524901105      395    10300 SH       DEFINED               10300        0        0
LEGGETT & PLATT INC COM        COMMON STOCK     524660107      551    28000 SH       DEFINED               28000        0        0
LIFEPOINT HOSPITALS INC COM    COMMON STOCK     53219L109        1      169 SH       DEFINED                 114        0       55
LIGAND PHARMACEUTICALS INC CLA COMMON STOCK     53220K207        0       53 SH       DEFINED                   0        0       53
LOCKHEED MARTIN CORP COM *     COMMON STOCK     539830109    11506   352006 SH       DEFINED              338071        0    13935
LOCKHEED MARTIN CORP COM *     COMMON STOCK     539830109      284     8694 SH       OTHER                  8694        0        0
LOEWS CORP COM                 COMMON STOCK     540424108       39      559 SH       DEFINED                 559        0        0
LOEWS CORP COM                 COMMON STOCK     540424108       94     1342 SH       OTHER                  1342        0        0
LONGVIEW FIBRE CO COM          COMMON STOCK     543213102      131    10500 SH       DEFINED               10500        0        0
LOWES COS INC COM *            COMMON STOCK     548661107    21954   450345 SH       DEFINED              442260      160     7925
LOWES COS INC COM *            COMMON STOCK     548661107     1083    22211 SH       OTHER                 22211        0        0
LTC HEALTHCARE INC COM         COMMON STOCK     50217R104        0       60 SH       DEFINED                  60        0        0
LTC PROPERTIES INC COM         COMMON STOCK     502175102        6      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      551    47903 SH       DEFINED               47903        0        0
LUCENT TECHNOLOGIES INC COM *  COMMON STOCK     549463107    24474   377244 SH       DEFINED              376126        0     1118
LUCENT TECHNOLOGIES INC COM *  COMMON STOCK     549463107     2385    36767 SH       OTHER                 32923     3844        0
LYCOS INC COM                  COMMON STOCK     550818108       17      332 SH       DEFINED                 332        0        0
LYONDELL CHEMICAL CO. COM      COMMON STOCK     552078107      223    16700 SH       DEFINED               16700        0        0
M D U RESOURCES GROUP INC COM  COMMON STOCK     552690109     7091   315137 SH       DEFINED              296609        0    18528
M D U RESOURCES GROUP INC COM  COMMON STOCK     552690109      129     5741 SH       OTHER                  4549     1012      180
MACK CALI REALTY CORP COM      COMMON STOCK     554489104       13      500 SH       DEFINED                 500        0        0
MACROCHEM CORP DELAWARE COM    COMMON STOCK     555903103       57     9500 SH       DEFINED                9500        0        0
MADISON GAS & ELECTRIC CO COM  COMMON STOCK     557497104       12      600 SH       DEFINED                 600        0        0
MALLINCKRODT INC NEW           COMMON STOCK     561232109       37     1225 SH       DEFINED                1225        0        0
MARSH & MCLENNAN COS INC COM*  COMMON STOCK     571748102     1272    18570 SH       DEFINED               18570        0        0
MARSH & MCLENNAN COS INC COM*  COMMON STOCK     571748102       27      400 SH       OTHER                   400        0        0
MARSHALL & ILSLEY CORP COM     COMMON STOCK     571834100     1169    20490 SH       DEFINED               20490        0        0
MARTIN MARIETTA MATERIALS INC  COMMON STOCK     573284106       20      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      582    30623 SH       DEFINED               30623        0        0
MATTEL INC COM                 COMMON STOCK     577081102       17      891 SH       OTHER                     0      891        0
MAY DEPT STORES CO COM *       COMMON STOCK     577778103      890    24421 SH       DEFINED               24421        0        0
MAY DEPT STORES CO COM *       COMMON STOCK     577778103      180     4950 SH       OTHER                  4650      300        0
MAYTAG CORP COM                COMMON STOCK     578592107       44     1317 SH       DEFINED                1317        0        0
MAYTAG CORP COM                COMMON STOCK     578592107       56     1680 SH       OTHER                  1680        0        0
MBIA INC COM                   COMMON STOCK     55262C100      513    11005 SH       DEFINED               11005        0        0
MBNA CORP COM *                COMMON STOCK     55262L100       95     4150 SH       OTHER                  4150        0        0
MCDERMOTT INTERNATIONAL INC CO COMMON STOCK     580037109       20     1000 SH       DEFINED                1000        0        0
MCDONALD'S CORP COM *          COMMON STOCK     580135101    16370   378499 SH       DEFINED              372099        0     6400
MCDONALD'S CORP COM *          COMMON STOCK     580135101      800    18490 SH       OTHER                 18490        0        0
MCGRAW HILL COMPANIES INC. *   COMMON STOCK     580645109    10328   213492 SH       DEFINED              208812        0     4680
MCGRAW HILL COMPANIES INC. *   COMMON STOCK     580645109      217     4492 SH       OTHER                  4492        0        0
MCI WORLDCOM INC COM *         COMMON STOCK     55268B106    19915   277080 SH       DEFINED              273030        0     4050
MCI WORLDCOM INC COM *         COMMON STOCK     55268B106      824    11468 SH       OTHER                 11468        0        0
MCKESSON HBOC INC COM *        COMMON STOCK     58155Q103        4      150 SH       DEFINED                 150        0        0
MCMORAN EXPLORATION CO COM     COMMON STOCK     582411104        0        4 SH       DEFINED                   4        0        0
MCN ENERGY GROUP INC *         COMMON STOCK     55267J100      256    14914 SH       DEFINED               14914        0        0
MEDCO RESEARCH INC COM         COMMON STOCK     584059109       25     1000 SH       DEFINED                1000        0        0
MEDIAONE GROUP INC COM         COMMON STOCK     58440J104      613     8972 SH       DEFINED                8672        0      300
MEDIAONE GROUP INC COM         COMMON STOCK     58440J104       55      800 SH       OTHER                   800        0        0
MEDICAL MANAGER CORP NEW COM   COMMON STOCK     58461U103        3       62 SH       DEFINED                  62        0        0
MEDITRUST CORP PAIRED STOCK    COMMON STOCK     58501T306     5525   649953 SH       DEFINED              625252        0    24701
MEDITRUST CORP PAIRED STOCK    COMMON STOCK     58501T306       74     8696 SH       OTHER                  8558        0      138
MEDTRONIC INC COM *            COMMON STOCK     585055106     6584   185142 SH       DEFINED              181270      240     3632
MEDTRONIC INC COM *            COMMON STOCK     585055106      361    10160 SH       OTHER                  8960     1200        0
MELLON BANK CORP COM           COMMON STOCK     585509102      202     6000 SH       DEFINED                6000        0        0
MELLON BANK CORP COM           COMMON STOCK     585509102      129     3840 SH       OTHER                  3840        0        0
MENS WEARHOUSE INC COM         COMMON STOCK     587118100       22     1000 SH       DEFINED                   0        0     1000
MENTOR GRAPHICS CORP COM       COMMON STOCK     587200106      491    57400 SH       DEFINED               57400        0        0
MERCK & CO INC COM *           COMMON STOCK     589331107    11725   180900 SH       DEFINED              179000        0     1900
MERCK & CO INC COM *           COMMON STOCK     589331107     2178    33598 SH       OTHER                 31800        0     1798
MEREDITH CORP COM*             COMMON STOCK     589433101      130     3593 SH       DEFINED                3593        0        0
MERIDIAN RESOURCE CORP COM     COMMON STOCK     58977Q109        2      493 SH       DEFINED                 493        0        0
MERITOR AUTOMOTIVE INC COM     COMMON STOCK     59000G100        3      160 SH       DEFINED                 160        0        0
MERRILL LYNCH & CO INC COM     COMMON STOCK     590188108      249     3700 SH       DEFINED                3100        0      600
MERRILL LYNCH & CO INC COM     COMMON STOCK     590188108      360     5350 SH       OTHER                  2150     3200        0
METROMEDIA FIBER NETWORK INC C COMMON STOCK     591689104       25     1000 SH       DEFINED                   0        0     1000
MGIC INVESTMENT CORP WISCONSIN COMMON STOCK     552848103     9046   189448 SH       DEFINED              189148        0      300
MGIC INVESTMENT CORP WISCONSIN COMMON STOCK     552848103      361     7550 SH       OTHER                  7550        0        0
MICHAELS STORES INC COM        COMMON STOCK     594087108      867    29400 SH       DEFINED               29400        0        0
MICRON TECHNOLOGY INC COM      COMMON STOCK     595112103       77     1160 SH       DEFINED                   0        0     1160
MICROSOFT CORP WASHINGTON COM  COMMON STOCK     594918104    22868   252508 SH       DEFINED              246318      200     5990
MICROSOFT CORP WASHINGTON COM  COMMON STOCK     594918104     2379    26265 SH       OTHER                 25265     1000        0
MIDAS GROUP INC COM            COMMON STOCK     595626102        1       33 SH       DEFINED                  33        0        0
MILESTONE SCIENTIFIC INC COM   COMMON STOCK     59935P100        2     1900 SH       DEFINED                1000        0      900
MILLER HERMAN INC COM          COMMON STOCK     600544100        9      361 SH       DEFINED                 361        0        0
MILLIPORE CORP COM *           COMMON STOCK     601073109       23      600 SH       DEFINED                 600        0        0
MINNESOTA MINING & MANUFACTURI COMMON STOCK     604059105     5065    52728 SH       DEFINED               52403        0      325
MINNESOTA MINING & MANUFACTURI COMMON STOCK     604059105     1959    20390 SH       OTHER                 12390     5800     2200
MITCHELL ENERGY & DEV CORP CL  COMMON STOCK     606592301        8      353 SH       DEFINED                 353        0        0
MITCHELL ENERGY & DEV CORP CLA COMMON STOCK     606592202      229     9353 SH       DEFINED                9353        0        0
MOBIL CORP COM *               COMMON STOCK     607059102    13466   133657 SH       DEFINED              132447      800      410
MOBIL CORP COM *               COMMON STOCK     607059102     1569    15570 SH       OTHER                 13442     1728      400
MODIS PROFESSIONAL SVCS INC CO COMMON STOCK     607830106        7      500 SH       OTHER                   500        0        0
MONARCH DENTAL CORP COM        COMMON STOCK     609044102      715   327054 SH       OTHER                327054        0        0
MONSANTO CO COM *              COMMON STOCK     611662107      824    23100 SH       DEFINED               23100        0        0
MONSANTO CO COM *              COMMON STOCK     611662107      268     7500 SH       OTHER                  2000     4500     1000
MONTANA POWER CO COM *         COMMON STOCK     612085100       85     2800 SH       DEFINED                2800        0        0
MONY GROUP INC COM             COMMON STOCK     615337102       23      788 SH       DEFINED                 788        0        0
MORGAN J P & CO INC COM        COMMON STOCK     616880100     1092     9560 SH       DEFINED                9210        0      350
MORGAN J P & CO INC COM        COMMON STOCK     616880100      104      914 SH       OTHER                   714      200        0
MORGAN STANLEY FIN PLC 8.4% CA COMMON STOCK     616906608       50     2000 SH       OTHER                  2000        0        0
MORGAN STANLEY, DEAN WITTER &  COMMON STOCK     617446448      196     2193 SH       DEFINED                2193        0        0
MORGAN STANLEY, DEAN WITTER &  COMMON STOCK     617446448       35      390 SH       OTHER                   390        0        0
MOTOROLA INC COM *             COMMON STOCK     620076109     4101    46602 SH       DEFINED               46602        0        0
MOTOROLA INC COM *             COMMON STOCK     620076109      549     6235 SH       OTHER                  4735      900      600
NAB ASSET CORP COM             COMMON STOCK     628712200        0        7 SH       DEFINED                   7        0        0
NABORS INDUSTRIES INC COM      COMMON STOCK     629568106      354    19000 SH       DEFINED               19000        0        0
NATIONAL FUEL GAS CO N J COM P COMMON STOCK     636180101       34      726 SH       DEFINED                 726        0        0
NATIONAL PRESTO INDUSTRIES INC COMMON STOCK     637215104      417    10800 SH       DEFINED               10800        0        0
NATIONAL-OILWELL INC COM       COMMON STOCK     637071101        6      350 SH       DEFINED                   0        0      350
NATIONWIDE FINANCIAL SERVICES  COMMON STOCK     638612101       37     1050 SH       DEFINED                1050        0        0
NATURES SUNSHINE PRODUCTS INC  COMMON STOCK     639027101       12     1320 SH       OTHER                  1320        0        0
NCR CORP NEW COM               COMMON STOCK     62886E108        2       72 SH       DEFINED                  72        0        0
NCR CORP NEW COM               COMMON STOCK     62886E108        6      184 SH       OTHER                     0      184        0
NEFF CORP                      COMMON STOCK     640094108       13     1000 SH       DEFINED                1000        0        0
NETWORKS ASSOCIATES INC COM    COMMON STOCK     640938106        2      100 SH       DEFINED                 100        0        0
NEW CENTURY ENERGIES INC COM   COMMON STOCK     64352U103    13858   414444 SH       DEFINED              397949        0    16495
NEW CENTURY ENERGIES INC COM   COMMON STOCK     64352U103      168     5015 SH       OTHER                  4825        0      190
NEW ENGLAND ELECTRIC SYSTEMS C COMMON STOCK     644001109       54     1046 SH       DEFINED                1046        0        0
NEW PLAN EXCEL REALTY TRUST IN COMMON STOCK     648053106      356    20000 SH       DEFINED               20000        0        0
NEW YORK TIMES CO CLASS A      COMMON STOCK     650111107       75     2000 SH       DEFINED                2000        0        0
NEW YORK TIMES CO CLASS A      COMMON STOCK     650111107       98     2600 SH       OTHER                     0     2600        0
NEWELL RUBBERMAID INC COM      COMMON STOCK     651229106      489    17109 SH       DEFINED               17109        0        0
NEWELL RUBBERMAID INC COM      COMMON STOCK     651229106      135     4728 SH       OTHER                     0     4728        0
NEWFIELD EXPLORATION COMPANY C COMMON STOCK     651290108        3      100 SH       OTHER                     0        0      100
NEWPARK RESOURCES INC COM      COMMON STOCK     651718504      423    54600 SH       DEFINED               54600        0        0
NEWPORT NEWS SHIPBUILDING INC  COMMON STOCK     652228107        9      280 SH       DEFINED                 280        0        0
NEXTEL COMMUNICATIONS INC CLAS COMMON STOCK     65332V103       68     1000 SH       DEFINED                   0        0     1000
NICOR INC COM *                COMMON STOCK     654086107      689    18520 SH       DEFINED               18520        0        0
NICOR INC COM *                COMMON STOCK     654086107      413    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        6      166 SH       OTHER                     0      166        0
NIKE INC CLASS B *             COMMON STOCK     654106103      435     7650 SH       DEFINED                7650        0        0
NISOURCE INC COM               COMMON STOCK     65473P105     1138    51423 SH       OTHER                     0        0    51423
NOBLE AFFILIATES INC COM       COMMON STOCK     654894104    17989   620321 SH       DEFINED              591762        0    28559
NOBLE AFFILIATES INC COM       COMMON STOCK     654894104      149     5138 SH       OTHER                  5138        0        0
NOBLE DRILLING CORP COM        COMMON STOCK     655042109     1656    75700 SH       DEFINED               75700        0        0
NOBLE DRILLING CORP COM        COMMON STOCK     655042109       11      500 SH       OTHER                   500        0        0
NORFOLK SOUTHERN CORP COM *    COMMON STOCK     655844108      675    27570 SH       DEFINED               27570        0        0
NORFOLK SOUTHERN CORP COM *    COMMON STOCK     655844108      431    17600 SH       OTHER                 13100     3000     1500
NORTH AMERN TECHNOLOGIES GROUP COMMON STOCK     657193207        7     2433 SH       DEFINED                 222        0     2211
NORTHEAST UTILITIES COM        COMMON STOCK     664397106      213    11600 SH       DEFINED               11600        0        0
NORTHERN STATES POWER CO MINN  COMMON STOCK     665772109       60     2800 SH       DEFINED                2800        0        0
NORTHERN STATES POWER CO MINN  COMMON STOCK     665772109       44     2026 SH       OTHER                   302        0     1724
NORTHERN TRUST CORP COM        COMMON STOCK     665859104       46      550 SH       OTHER                   550        0        0
NORTHROP CORP COM              COMMON STOCK     666807102      159     2500 SH       DEFINED                2500        0        0
NORTHWEST AIRLINES CORP CLASS  COMMON STOCK     667280101       18      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       52     1100 SH       DEFINED                1100        0        0
OCCIDENTAL PETROLEUM CORP COM  COMMON STOCK     674599105      224     9704 SH       DEFINED                9704        0        0
OCCIDENTAL PETROLEUM CORP COM  COMMON STOCK     674599105        5      201 SH       OTHER                   201        0        0
OCEAN ENERGY INC TEX COM       COMMON STOCK     67481E106       99     9700 SH       DEFINED                8400        0     1300
OFFICE DEPOT INC COM           COMMON STOCK     676220106      616    58648 SH       DEFINED               58648        0        0
OFFSHORE LOGISTICS INC COM     COMMON STOCK     676255102        5      450 SH       DEFINED                 450        0        0
OGDEN CORP COM                 COMMON STOCK     676346109     9096   876685 SH       DEFINED              837975        0    38710
OGDEN CORP COM                 COMMON STOCK     676346109       82     7935 SH       OTHER                  7835        0      100
OGE ENERGY CORP COM            COMMON STOCK     670837103        4      200 SH       DEFINED                 200        0        0
OLD REPUBLIC INTERNATIONAL COR COMMON STOCK     680223104    12253   848661 SH       DEFINED              815045        0    33616
OLD REPUBLIC INTERNATIONAL COR COMMON STOCK     680223104      141     9774 SH       OTHER                  7224     2550        0
OMNICOM GROUP COM *            COMMON STOCK     681919106    13794   174188 SH       DEFINED              170228     1600     2360
OMNICOM GROUP COM *            COMMON STOCK     681919106     1203    15192 SH       OTHER                 15192        0        0
ORACLE CORPORATION*            COMMON STOCK     68389X105     3132    68831 SH       DEFINED               68268      563        0
ORACLE CORPORATION*            COMMON STOCK     68389X105       32      700 SH       OTHER                   700        0        0
OREGON STEEL MILLS INC COM     COMMON STOCK     686079104      529    47300 SH       DEFINED               47300        0        0
ORTEL CORP COM                 COMMON STOCK     68749W102       31     2000 SH       DEFINED                   0        0     2000
OXFORD HEALTH PLANS INC COM    COMMON STOCK     691471106       68     5400 SH       DEFINED                5000        0      400
P G & E CORP COM               COMMON STOCK     69331C108      100     3867 SH       DEFINED                3867        0        0
P G & E CORP COM               COMMON STOCK     69331C108       39     1526 SH       OTHER                   450     1076        0
PACIFICORP COM                 COMMON STOCK     695114108    12355   613935 SH       DEFINED              582174        0    31761
PACIFICORP COM                 COMMON STOCK     695114108      136     6742 SH       OTHER                  6112        0      630
PACKAGED ICE INC COM           COMMON STOCK     695148106      101    30000 SH       DEFINED               30000        0        0
PALL CORP COM                  COMMON STOCK     696429307      209     9000 SH       DEFINED                9000        0        0
PARAMETRIC TECHNOLOGY CORP COM COMMON STOCK     699173100     1653   122421 SH       DEFINED              121281        0     1140
PARAMETRIC TECHNOLOGY CORP COM COMMON STOCK     699173100      169    12521 SH       OTHER                 12521        0        0
PARK PLACE ENTMT CORP COM      COMMON STOCK     700690100     1086    86900 SH       DEFINED               86500        0      400
PE CORP COM CELERA GENOMICS GR COMMON STOCK     69332S201       20      500 SH       OTHER                     0      500        0
PE CORP COM PE BIOSYSTEMS GROU COMMON STOCK     69332S102      145     2000 SH       OTHER                     0     2000        0
PECO ENERGY CO COM             COMMON STOCK     693304107       10      260 SH       DEFINED                 260        0        0
PECO ENERGY CO COM             COMMON STOCK     693304107        4      100 SH       OTHER                   100        0        0
PENNEY J C INC COM *           COMMON STOCK     708160106      405    11733 SH       DEFINED               11733        0        0
PENNEY J C INC COM *           COMMON STOCK     708160106      273     7900 SH       OTHER                  7100      800        0
PENNZOIL-QUAKER STATE CO COM   COMMON STOCK     709323109       58     4602 SH       DEFINED                4602        0        0
PENNZOIL-QUAKER STATE CO COM   COMMON STOCK     709323109        6      450 SH       OTHER                   450        0        0
PEOPLES HERITAGE FINANCIAL GRO COMMON STOCK     711147108     3307   198922 SH       DEFINED              190563        0     8359
PEOPLES HERITAGE FINANCIAL GRO COMMON STOCK     711147108       28     1667 SH       OTHER                  1667        0        0
PEOPLESOFT INC COM             COMMON STOCK     712713106       34     2000 SH       DEFINED                2000        0        0
PEPSICO INC COM                COMMON STOCK     713448108     3290   107864 SH       DEFINED              107708        0      156
PEPSICO INC COM                COMMON STOCK     713448108      534    17519 SH       OTHER                  8519     3600     5400
PERICOM SEMICONDUCTOR CORP COM COMMON STOCK     713831105      480    32300 SH       DEFINED               32300        0        0
PETCO ANIMAL SUPPLIES INC COM  COMMON STOCK     716016100      772    65000 SH       DEFINED               65000        0        0
PFIZER INC COM *               COMMON STOCK     717081103     8414   234527 SH       DEFINED              234122      180      225
PFIZER INC COM *               COMMON STOCK     717081103     3744   104358 SH       OTHER                 88230    16128        0
PHARMACIA & UPJOHN INC COM*    COMMON STOCK     716941109     2112    42567 SH       DEFINED               42567        0        0
PHELPS DODGE CORP COM          COMMON STOCK     717265102      165     3000 SH       DEFINED                3000        0        0
PHELPS DODGE CORP COM          COMMON STOCK     717265102        9      170 SH       OTHER                     0      170        0
PHILIP MORRIS COS INC COM *    COMMON STOCK     718154107     5878   171939 SH       DEFINED              169539      500     1900
PHILIP MORRIS COS INC COM *    COMMON STOCK     718154107      725    21219 SH       OTHER                 21219        0        0
PHILLIPS PETROLEUM CO COM      COMMON STOCK     718507106       33      686 SH       DEFINED                 300        0      386
PHILLIPS PETROLEUM CO COM      COMMON STOCK     718507106       10      200 SH       OTHER                     0        0      200
PHOENIX INTERNATIONAL LTD COM  COMMON STOCK     719078107       40    10000 SH       OTHER                 10000        0        0
PHYCOR INC COM                 COMMON STOCK     71940F100       10     2345 SH       DEFINED                   0        0     2345
PINNACLE GLOBAL GROUP INC COM  COMMON STOCK     723465100        0       25 SH       DEFINED                   0        0       25
PINNACLE WEST CAPITAL CORP COM COMMON STOCK     723484101       11      300 SH       DEFINED                 300        0        0
PIONEER NATURAL RESOURCES CO C COMMON STOCK     723787107        4      406 SH       OTHER                   406        0        0
PITNEY BOWES INC COM *         COMMON STOCK     724479100      500     8200 SH       DEFINED                8200        0        0
PITTSTON BRINK'S GROUP         COMMON STOCK     725701106       48     2050 SH       DEFINED                2050        0        0
PLUM CREEK TIMBER CO INC COM   COMMON STOCK     729251108       35     1100 SH       DEFINED                1100        0        0
PLX TECHNOLOGY INC             COMMON STOCK     693417107        2      100 SH       DEFINED                 100        0        0
PNC BANK CORP COM              COMMON STOCK     693475105      395     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      121     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      218     5300 SH       DEFINED                5300        0        0
POTOMAC ELECTRIC POWER CO COM  COMMON STOCK     737679100       51     2000 SH       DEFINED                2000        0        0
PPG INDUSTRIES INC COM *       COMMON STOCK     693506107      794    13225 SH       DEFINED               13225        0        0
PRAXAIR INC COM                COMMON STOCK     74005P104       92     2007 SH       DEFINED                2007        0        0
PRE PAID LEGAL SERVICES INC CO COMMON STOCK     740065107       46     1172 SH       DEFINED                1172        0        0
PRECISION CASTPARTS CORP COM * COMMON STOCK     740189105      291     9530 SH       DEFINED                9530        0        0
PRECISION CASTPARTS CORP COM * COMMON STOCK     740189105      246     8080 SH       OTHER                  8080        0        0
PRIMARK CORP COM               COMMON STOCK     741903108       40     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     3769   511051 SH       DEFINED              490133        0    20918
PRIME RETAIL INC COM           COMMON STOCK     741570105       24     3194 SH       OTHER                  3194        0        0
PRISON REALTY TRUST INC COM    COMMON STOCK     74264N105    12259  1140382 SH       DEFINED             1097469        0    42913
PRISON REALTY TRUST INC COM    COMMON STOCK     74264N105      111    10303 SH       OTHER                 10303        0        0
PROCTER & GAMBLE CO COM *      COMMON STOCK     742718109    21437   228666 SH       DEFINED              228266        0      400
PROCTER & GAMBLE CO COM *      COMMON STOCK     742718109     2388    25468 SH       OTHER                 21420     1800     2248
PROGRESSIVE CORP OHIO COM      COMMON STOCK     743315103       33      400 SH       DEFINED                 400        0        0
PROLOGIS TRUST INC COM         COMMON STOCK     743410102     6459   342186 SH       DEFINED              328701        0    13485
PROLOGIS TRUST INC COM         COMMON STOCK     743410102       62     3288 SH       OTHER                  3288        0        0
PROVIDIAN FINANCIAL CORP COM * COMMON STOCK     74406A102     3634    45890 SH       DEFINED               45740        0      150
PROVIDIAN FINANCIAL CORP COM * COMMON STOCK     74406A102       21      262 SH       OTHER                   262        0        0
PSINET INC COM                 COMMON STOCK     74437C101       18      500 SH       DEFINED                 500        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      230     5953 SH       DEFINED                5953        0        0
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK     744573106       31      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       22     1000 SH       OTHER                  1000        0        0
PULITZER INC COM NEW           COMMON STOCK     745769109       36      800 SH       DEFINED                 800        0        0
QUAKER OATS CO COM             COMMON STOCK     747402105      198     3200 SH       DEFINED                3200        0        0
QUAKER OATS CO COM             COMMON STOCK     747402105      111     1800 SH       OTHER                     0     1800        0
QUALCOMM INC COM               COMMON STOCK     747525103      613     3240 SH       DEFINED                2640        0      600
QUICKSILVER RESOURCES INC COM  COMMON STOCK     74837R104       25     3770 SH       DEFINED                3770        0        0
QUINTILES TRANSNATIONAL CORP C COMMON STOCK     748767100        2      119 SH       DEFINED                   0        0      119
QWEST COMMUNICATIONS INTERNATI COMMON STOCK     749121109      213     7200 SH       DEFINED                7200        0        0
QWEST COMMUNICATIONS INTERNATI COMMON STOCK     749121109       24      800 SH       OTHER                   800        0        0
R & B FALCON CORP COM          COMMON STOCK     74912E101       87     6651 SH       DEFINED                5651        0     1000
R & B FALCON CORP COM          COMMON STOCK     74912E101        9      700 SH       OTHER                   700        0        0
R G S ENERGY GROUP INC COM *   COMMON STOCK     74956K104      426    17400 SH       DEFINED               17400        0        0
R H DONNELLEY CORP NEW COM     COMMON STOCK     74955W307        0       20 SH       DEFINED                  20        0        0
RAILTEX INC COM                COMMON STOCK     750766107        4      214 SH       DEFINED                 214        0        0
RALCORP HOLDINGS INC NEW COM   COMMON STOCK     751028101        7      400 SH       DEFINED                 400        0        0
RALSTON-RALSTON PURINA GROUP C COMMON STOCK     751277302      284    10198 SH       DEFINED               10198        0        0
RALSTON-RALSTON PURINA GROUP C COMMON STOCK     751277302       75     2700 SH       OTHER                     0        0     2700
RAMP NETWORKS INC              COMMON STOCK     751567108       22     1000 SH       DEFINED                   0        0     1000
RANGE RESOURCES CORPORATION CO COMMON STOCK     75281A109        3      700 SH       OTHER                   700        0        0
RARE MEDIUM GROUP INC COM      COMMON STOCK     75382N109       42     4000 SH       DEFINED                4000        0        0
RAYTHEON CO CLASS A            COMMON STOCK     755111309      957    19723 SH       DEFINED               19723        0        0
RAYTHEON CO CLASS B*           COMMON STOCK     755111408      381     7680 SH       DEFINED                7680        0        0
RAYTHEON CO CLASS B*           COMMON STOCK     755111408      484     9750 SH       OTHER                  8550     1200        0
RECKSON ASSOCIATES REALTY CORP COMMON STOCK     75621K304       15      669 SH       DEFINED                 669        0        0
RED HAT INC COM                COMMON STOCK     756577102       24      250 SH       DEFINED                 250        0        0
REEBOK INTERNATIONAL LIMITED C COMMON STOCK     758110100        2      195 SH       DEFINED                 195        0        0
REGIONS FINANCIAL CORP COM     COMMON STOCK     758940100        6      200 SH       DEFINED                 200        0        0
RELIANT ENERGY INC COM*        COMMON STOCK     75952J108     1872    69184 SH       DEFINED               69184        0        0
RELIANT ENERGY INC COM*        COMMON STOCK     75952J108       96     3559 SH       OTHER                  3559        0        0
RELIASTAR FINANCIAL CORP COM   COMMON STOCK     75952U103      133     4012 SH       DEFINED                4012        0        0
RENAL CARE GROUP INC COM       COMMON STOCK     759930100      631    28800 SH       DEFINED               28800        0        0
RENT WAY INC COM               COMMON STOCK     76009U104      633    33300 SH       DEFINED               33300        0        0
REVLON INC CLASS A             COMMON STOCK     761525500        7      375 SH       DEFINED                 375        0        0
REYNOLDS & REYNOLDS CO CLASS A COMMON STOCK     761695105       47     2300 SH       DEFINED                2300        0        0
REYNOLDS & REYNOLDS CO CLASS A COMMON STOCK     761695105       43     2100 SH       OTHER                     0     2100        0
RIGGS NATIONAL CORP WASH DC CO COMMON STOCK     766570105     2774   164377 SH       DEFINED              152412        0    11965
RIGGS NATIONAL CORP WASH DC CO COMMON STOCK     766570105       21     1265 SH       OTHER                  1265        0        0
RITE AID CORP COM *            COMMON STOCK     767754104     1764   127730 SH       DEFINED              127570      160        0
RITE AID CORP COM *            COMMON STOCK     767754104       23     1700 SH       OTHER                  1700        0        0
ROCKWELL INTERNATIONAL CORP NE COMMON STOCK     773903109      677    12887 SH       DEFINED               12887        0        0
ROCKWELL INTERNATIONAL CORP NE COMMON STOCK     773903109       26      500 SH       OTHER                   500        0        0
ROHM & HAAS CO COM             COMMON STOCK     775371107       47     1300 SH       DEFINED                1300        0        0
ROHM & HAAS CO COM             COMMON STOCK     775371107       32      885 SH       OTHER                     0      885        0
ROSS STORES INC COM            COMMON STOCK     778296103       60     3000 SH       OTHER                     0     3000        0
ROWAN COS INC COM              COMMON STOCK     779382100        5      300 SH       DEFINED                 300        0        0
RYERSON TULL INC NEW COM       COMMON STOCK     78375P107        5      200 SH       DEFINED                   0        0      200
SAFECO CORP COM                COMMON STOCK     786429100        6      200 SH       OTHER                   200        0        0
SAFEWAY INC COM NEW *          COMMON STOCK     786514208    10642   279581 SH       DEFINED              274541        0     5040
SAFEWAY INC COM NEW *          COMMON STOCK     786514208      885    23249 SH       OTHER                 23249        0        0
SAKS INC COM *                 COMMON STOCK     79377W108     2188   144069 SH       DEFINED              143569        0      500
SAKS INC COM *                 COMMON STOCK     79377W108       40     2640 SH       OTHER                  2640        0        0
SANTA FE INTERNATIONAL CORP CO COMMON STOCK     G7805C108     7143   331266 SH       DEFINED              318223        0    13043
SANTA FE INTERNATIONAL CORP CO COMMON STOCK     G7805C108       64     2945 SH       OTHER                  2945        0        0
SANTA FE SNYDER CORP COM       COMMON STOCK     80218K105        5      542 SH       DEFINED                 542        0        0
SARA LEE CORP COM *            COMMON STOCK     803111103     2436   104229 SH       DEFINED              104229        0        0
SARA LEE CORP COM *            COMMON STOCK     803111103      432    18500 SH       OTHER                 16700     1800        0
SAUL CENTERS INC COM           COMMON STOCK     804395101     2811   178493 SH       DEFINED              170597        0     7896
SAUL CENTERS INC COM           COMMON STOCK     804395101       27     1714 SH       OTHER                  1714        0        0
SBC COMMUNICATIONS INC COM *   COMMON STOCK     78387G103    22264   436009 SH       DEFINED              427991     2000     6018
SBC COMMUNICATIONS INC COM *   COMMON STOCK     78387G103     3621    70916 SH       OTHER                 63628        0     7288
SCANA CORP COM                 COMMON STOCK     805898103     2610   107924 SH       DEFINED              101944        0     5980
SCANA CORP COM                 COMMON STOCK     805898103       30     1255 SH       OTHER                  1255        0        0
SCHEIN HENRY INC COM           COMMON STOCK     806407102       14     1000 SH       DEFINED                1000        0        0
SCHERING-PLOUGH CORP COM *     COMMON STOCK     806605101    13817   316732 SH       DEFINED              312612      120     4000
SCHERING-PLOUGH CORP COM *     COMMON STOCK     806605101      796    18254 SH       OTHER                 13454        0     4800
SCHLUMBERGER LIMITED COM *     COMMON STOCK     806857108     5414    86877 SH       DEFINED               86307        0      570
SCHLUMBERGER LIMITED COM *     COMMON STOCK     806857108      752    12070 SH       OTHER                  9870        0     2200
SCHWEITZER-MAUDUIT INTL INC CO COMMON STOCK     808541106        5      400 SH       DEFINED                 400        0        0
SCIENTIFIC-ATLANTA INC COM     COMMON STOCK     808655104       10      200 SH       DEFINED                 200        0        0
SCRIPPS E W CO CLASS A COM     COMMON STOCK     811054204       15      300 SH       DEFINED                   0        0      300
SEALED AIR CORP NEW COM        COMMON STOCK     81211K100     1170    22811 SH       DEFINED               22811        0        0
SEALED AIR CORP NEW COM        COMMON STOCK     81211K100       81     1587 SH       OTHER                  1587        0        0
SEARS ROEBUCK & CO COM *       COMMON STOCK     812387108      291     9259 SH       DEFINED                9259        0        0
SEARS ROEBUCK & CO COM *       COMMON STOCK     812387108       73     2342 SH       OTHER                  2342        0        0
SEI INVESTMENTS CO COM         COMMON STOCK     784117103       22      250 SH       DEFINED                 250        0        0
SELECTIVE INSURANCE GROUP INC  COMMON STOCK     816300107     2657   140759 SH       DEFINED              125902        0    14857
SELECTIVE INSURANCE GROUP INC  COMMON STOCK     816300107       39     2079 SH       OTHER                   933      920      226
SEMPRA ENERGY COM              COMMON STOCK     816851109      247    11850 SH       DEFINED               10950      900        0
SEMPRA ENERGY COM              COMMON STOCK     816851109       50     2400 SH       OTHER                     0     1600      800
SENSORMATIC ELECTRONICS CORP C COMMON STOCK     817265101       66     5200 SH       DEFINED                5200        0        0
SEPRACOR, INC COM              COMMON STOCK     817315104       38      508 SH       DEFINED                 508        0        0
SERVICE CORP INTERNATIONAL COM COMMON STOCK     817565104        8      783 SH       DEFINED                 783        0        0
SERVICEMASTER COMPANY COM      COMMON STOCK     81760N109      206    12795 SH       OTHER                     0    12795        0
SHAW INDUSTRIES INC COM        COMMON STOCK     820286102        8      500 SH       DEFINED                 500        0        0
SHERWIN-WILLIAMS CO COM *      COMMON STOCK     824348106     1845    88105 SH       DEFINED               88105        0        0
SHERWIN-WILLIAMS CO COM *      COMMON STOCK     824348106       58     2750 SH       OTHER                  2750        0        0
SIG CORP INC COM               COMMON STOCK     826912107       10      399 SH       DEFINED                 399        0        0
SIGMA-ALDRICH CORP COM         COMMON STOCK     826552101       32     1000 SH       DEFINED                1000        0        0
SIGMA-ALDRICH CORP COM         COMMON STOCK     826552101      127     4000 SH       OTHER                  4000        0        0
SKYWEST INC COM                COMMON STOCK     830879102      423    19300 SH       DEFINED               19300        0        0
SLI INC COM                    COMMON STOCK     78442T108      343    16100 SH       DEFINED               16100        0        0
SLM HOLDING CORP COM           COMMON STOCK     78442A109        8      195 SH       DEFINED                 195        0        0
SODEXHO MARRIOTT SERVICES INC  COMMON STOCK     833793102        0       18 SH       DEFINED                  18        0        0
SODEXHO MARRIOTT SERVICES INC  COMMON STOCK     833793102        0       18 SH       OTHER                    18        0        0
SOLUTIA INC COM                COMMON STOCK     834376105        5      300 SH       DEFINED                 300        0        0
SOLUTIA INC COM                COMMON STOCK     834376105       20     1100 SH       OTHER                     0      900      200
SONAT INC COM                  COMMON STOCK     835415100       81     2048 SH       DEFINED                2048        0        0
SONAT INC COM                  COMMON STOCK     835415100       79     2000 SH       OTHER                     0     2000        0
SONIC CORP COM                 COMMON STOCK     835451105      417    13700 SH       DEFINED               13700        0        0
SOUTHERN CO COM *              COMMON STOCK     842587107      382    14832 SH       DEFINED               14832        0        0
SOUTHERN CO COM *              COMMON STOCK     842587107       26     1000 SH       OTHER                  1000        0        0
SOUTHTRUST CORP COM            COMMON STOCK     844730101        4      100 SH       OTHER                   100        0        0
SOUTHWEST AIRLINES CO COM *    COMMON STOCK     844741108     4713   310307 SH       DEFINED              307547     2760        0
SOUTHWEST AIRLINES CO COM *    COMMON STOCK     844741108     1622   106773 SH       OTHER                 96903        0     9870
SOUTHWEST GAS CORP COM         COMMON STOCK     844895102     2519    93516 SH       DEFINED               83416        0    10100
SOUTHWEST GAS CORP COM         COMMON STOCK     844895102       49     1815 SH       OTHER                     0     1815        0
SOUTHWESTERN ENERGY CO COM     COMMON STOCK     845467109       11     1200 SH       DEFINED                1200        0        0
SPLITROCK SERVICES INC COM     COMMON STOCK     848636304        8      500 SH       DEFINED                 500        0        0
SPRINGS INDUSTRIES INC CLASS A COMMON STOCK     851783100      119     3500 SH       DEFINED                3500        0        0
SPRINT CORP COM (FON GROUP)    COMMON STOCK     852061100      500     9218 SH       DEFINED                7718     1500        0
SPRINT CORP COM (FON GROUP)    COMMON STOCK     852061100       54     1000 SH       OTHER                  1000        0        0
SPRINT CORP PCS COM SER I      COMMON STOCK     852061506      146     1959 SH       DEFINED                1584      375        0
SPRINT CORP PCS COM SER I      COMMON STOCK     852061506       19      250 SH       OTHER                   250        0        0
ST JOE COMPANY                 COMMON STOCK     790148100     1078    50000 SH       DEFINED               50000        0        0
ST MARY LAND & EXPLORATION CO  COMMON STOCK     792228108        3      100 SH       OTHER                     0        0      100
ST. PAUL COS INC COM           COMMON STOCK     792860108       55     2000 SH       OTHER                  2000        0        0
STANLEY WORKS COM              COMMON STOCK     854616109      102     4056 SH       OTHER                     0     4056        0
STAPLES INC COM *              COMMON STOCK     855030102     1765    80915 SH       DEFINED               80915        0        0
STAPLES INC COM *              COMMON STOCK     855030102       85     3900 SH       OTHER                  3900        0        0
STARRETT L S CO CLASS A COM    COMMON STOCK     855668109       35     1400 SH       OTHER                     0     1400        0
STARWOOD HOTELS & RESORTS WORL COMMON STOCK     85590A203       36     1600 SH       DEFINED                1500        0      100
STATE STREET CORP              COMMON STOCK     857477103      233     3600 SH       DEFINED                3600        0        0
STEINWAY MUSICAL INSTRUMENTS I COMMON STOCK     858495104      289    13800 SH       DEFINED               13800        0        0
STERLING BANCSHARES INC COM    COMMON STOCK     858907108      377    33000 SH       DEFINED               33000        0        0
STERLING BANCSHARES INC COM    COMMON STOCK     858907108      632    55250 SH       OTHER                 55250        0        0
STONE ENERGY CORP COM          COMMON STOCK     861642106      770    15100 SH       DEFINED               15100        0        0
STORAGE USA INC COM            COMMON STOCK     861907103       22      800 SH       OTHER                     0        0      800
STRYKER CORP COM *             COMMON STOCK     863667101      504     9850 SH       DEFINED                9850        0        0
STRYKER CORP COM *             COMMON STOCK     863667101      286     5600 SH       OTHER                  5600        0        0
SUMMIT BANCSHARES              COMMON STOCK     866011109      100     5544 SH       DEFINED                5544        0        0
SUMMIT TECHNOLOGY INC COM      COMMON STOCK     86627E101       24     1308 SH       DEFINED                1308        0        0
SUMMIT TECHNOLOGY INC COM      COMMON STOCK     86627E101      330    18000 SH       OTHER                 18000        0        0
SUN MICROSYSTEMS INC COM *     COMMON STOCK     866810104    23229   249772 SH       DEFINED              244972      300     4500
SUN MICROSYSTEMS INC COM *     COMMON STOCK     866810104      843     9062 SH       OTHER                  9062        0        0
SUNBEAM CORP                   COMMON STOCK     867071102        3      500 SH       OTHER                   500        0        0
SUNOCO INC COM                 COMMON STOCK     86764P109        5      166 SH       DEFINED                  66        0      100
SUNOCO INC COM                 COMMON STOCK     86764P109       17      616 SH       OTHER                     0      616        0
SUNRISE ASSISTED LIVING INC CO COMMON STOCK     86768K106      499    18800 SH       DEFINED               18800        0        0
SUNSHINE MINING & REFINING CO  COMMON STOCK     867833501        3     1682 SH       DEFINED                1682        0        0
SUNTRUST BANKS INC COM         COMMON STOCK     867914103      249     3781 SH       DEFINED                3781        0        0
SUNTRUST BANKS INC COM         COMMON STOCK     867914103       13      200 SH       OTHER                   200        0        0
SUPERVALU INC COM              COMMON STOCK     868536103      287    13000 SH       DEFINED               13000        0        0
SYBRON INTERNATIONAL CORP COM  COMMON STOCK     87114F106     2164    80518 SH       DEFINED               80518        0        0
SYLVAN LEARNING SYSTEMS INC CO COMMON STOCK     871399101       39     2000 SH       DEFINED                2000        0        0
SYSCO CORP COM *               COMMON STOCK     871829107     2184    62290 SH       DEFINED               59290     3000        0
SYSCO CORP COM *               COMMON STOCK     871829107     6852   195420 SH       OTHER                195420        0        0
SYSTEMAX INC COM               COMMON STOCK     871851101       75     9000 SH       DEFINED                9000        0        0
TACO CABANA INC COM            COMMON STOCK     873425102      606    62600 SH       DEFINED               62600        0        0
TANDY BRANDS ACCESSORIES INC C COMMON STOCK     875378101        0       33 SH       DEFINED                  33        0        0
TANDY CORP COM                 COMMON STOCK     875382103     7027   135952 SH       DEFINED              135952        0        0
TANDY CORP COM                 COMMON STOCK     875382103       10      200 SH       OTHER                   200        0        0
TECH DATA CORP COM *           COMMON STOCK     878237106      424    18200 SH       DEFINED               18200        0        0
TECO ENERGY INC COM            COMMON STOCK     872375100       13      600 SH       DEFINED                 600        0        0
TECUMSEH PRODUCTS CO CLASS A   COMMON STOCK     878895200      927    18500 SH       DEFINED               18500        0        0
TELLABS INC COM                COMMON STOCK     879664100       44      770 SH       DEFINED                 770        0        0
TEMPLE-INLAND INC COM          COMMON STOCK     879868107    34529   566046 SH       DEFINED              566046        0        0
TEMPLE-INLAND INC COM          COMMON STOCK     879868107    12002   196758 SH       OTHER                195678     1080        0
TENNECO INC NEW COM            COMMON STOCK     88037E101      213    12537 SH       DEFINED               12537        0        0
TEXACO INC COM *               COMMON STOCK     881694103    13854   219468 SH       DEFINED              214876        0     4592
TEXACO INC COM *               COMMON STOCK     881694103      698    11054 SH       OTHER                  7954     1200     1900
TEXAS BIOTECHNOLOGY CORP COM   COMMON STOCK     88221T104       20     5000 SH       DEFINED                   0        0     5000
TEXAS INDUSTRIES INC COM       COMMON STOCK     882491103       96     2600 SH       DEFINED                2600        0        0
TEXAS INDUSTRIES INC COM       COMMON STOCK     882491103       59     1600 SH       OTHER                  1600        0        0
TEXAS INSTRUMENTS INC COM *    COMMON STOCK     882508104     7246    88093 SH       DEFINED               87493      400      200
TEXAS INSTRUMENTS INC COM *    COMMON STOCK     882508104       65      790 SH       OTHER                   790        0        0
TEXAS UTILITIES HOLDING CO COM COMMON STOCK     882848104     5362   143712 SH       DEFINED              140197        0     3515
TEXAS UTILITIES HOLDING CO COM COMMON STOCK     882848104      536    14366 SH       OTHER                 13510       56      800
TEXTRON INC COM *              COMMON STOCK     883203101     2950    38125 SH       DEFINED               37125     1000        0
TEXTRON INC COM *              COMMON STOCK     883203101     1572    20320 SH       OTHER                 16720     3600        0
THE MCCLATCHY CO CLASS A COM   COMMON STOCK     579489105      758    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       50     3692 SH       DEFINED                3455        0      237
THERMO INSTRUMENT SYSTEMS INC  COMMON STOCK     883559106        5      453 SH       DEFINED                   0        0      453
THORNBURG MORTGAGE ASSET CORP  COMMON STOCK     885218107        4      400 SH       OTHER                   400        0        0
TICKETMASTER ONLINE-CITYSEARCH COMMON STOCK     88633P203        2      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      151     5920 SH       DEFINED                5920        0        0
TIME WARNER INC COM            COMMON STOCK     887315109   140365  2310541 SH       DEFINED             2296541        0    14000
TIME WARNER INC COM            COMMON STOCK     887315109    49339   812166 SH       OTHER                802566     9600        0
TITAN MOTORCYCLE CO OF AMERICA COMMON STOCK     888307105        2     1000 SH       DEFINED                1000        0        0
TNP ENTERPRISES INC COM        COMMON STOCK     872594106       53     1360 SH       DEFINED                1360        0        0
TNP ENTERPRISES INC COM        COMMON STOCK     872594106       78     2000 SH       OTHER                  2000        0        0
TORCHMARK CORP COM             COMMON STOCK     891027104       62     2400 SH       DEFINED                2400        0        0
TOYS R US INC COM              COMMON STOCK     892335100      276    18380 SH       DEFINED               18380        0        0
TRANSATLANTIC HOLDINGS INC COM COMMON STOCK     893521104       28      400 SH       DEFINED                   0        0      400
TRAVEL SERVICES INTERNATIONAL  COMMON STOCK     894169101      547    47600 SH       DEFINED               47600        0        0
TRAVELERS PROPERTY CAS CORP CL COMMON STOCK     893939108       35     1200 SH       DEFINED                1200        0        0
TREX CO INC COM                COMMON STOCK     89531P105       29     1100 SH       DEFINED                   0        0     1100
TRIAD HOSPITALS INC COM        COMMON STOCK     89579K109        2      169 SH       DEFINED                 114        0       55
TRIBUNE CO NEW COM *           COMMON STOCK     896047107      882    17727 SH       DEFINED               17727        0        0
TRIBUNE CO NEW COM *           COMMON STOCK     896047107      199     4000 SH       OTHER                  4000        0        0
TRICON GLOBAL RESTAURANTS INC  COMMON STOCK     895953107       94     2297 SH       DEFINED                2297        0        0
TRICON GLOBAL RESTAURANTS INC  COMMON STOCK     895953107       32      786 SH       OTHER                   186      360      240
TRINITY INDUSTRIES INC COM     COMMON STOCK     896522109       50     1612 SH       DEFINED                1612        0        0
TRW INC COM                    COMMON STOCK     872649108      147     2954 SH       DEFINED                2000        0      954
TRW INC COM                    COMMON STOCK     872649108       40      800 SH       OTHER                     0      800        0
TUBOSCOPE INC COM              COMMON STOCK     898600101      397    31900 SH       DEFINED               31900        0        0
TYCO INTL LTD NEW COM *        COMMON STOCK     902124106    24330   235644 SH       DEFINED              232054        0     3590
TYCO INTL LTD NEW COM *        COMMON STOCK     902124106     1918    18580 SH       OTHER                 16944        0     1636
TYLER TECHNOLOGIES INC COM     COMMON STOCK     902252105       89    20000 SH       DEFINED               20000        0        0
U S RESTAURANT PROPERTIES INC  COMMON STOCK     902971100      555    29220 SH       DEFINED               29220        0        0
U S WEST INC NEW COM *         COMMON STOCK     91273H101     1871    32793 SH       DEFINED               32293        0      500
U S WEST INC NEW COM *         COMMON STOCK     91273H101      390     6837 SH       OTHER                  6632        0      205
ULTRAMAR DIAMOND SHAMROCK CORP COMMON STOCK     904000106     2114    82900 SH       DEFINED               81900        0     1000
ULTRATECH STEPPER INC COM      COMMON STOCK     904034105       23     1800 SH       DEFINED                1800        0        0
UNICOM CORP COM                COMMON STOCK     904911104     9789   265028 SH       DEFINED              252698        0    12330
UNICOM CORP COM                COMMON STOCK     904911104       83     2237 SH       OTHER                  2237        0        0
UNION CARBIDE CORP COM         COMMON STOCK     905581104       57     1005 SH       DEFINED                1005        0        0
UNION PACIFIC CORP COM         COMMON STOCK     907818108      226     4700 SH       DEFINED                4700        0        0
UNION PACIFIC CORP COM         COMMON STOCK     907818108       58     1200 SH       OTHER                  1200        0        0
UNION PACIFIC RESOURCES GROUP  COMMON STOCK     907834105    28159  1732852 SH       DEFINED             1661261        0    71591
UNION PACIFIC RESOURCES GROUP  COMMON STOCK     907834105      259    15925 SH       OTHER                 15925        0        0
UNION PLANTERS CORP COM        COMMON STOCK     908068109      114     2800 SH       DEFINED                2800        0        0
UNION PLANTERS CORP COM        COMMON STOCK     908068109       12      300 SH       OTHER                   300        0        0
UNISYS CORP COM                COMMON STOCK     909214108      547    12132 SH       DEFINED               12132        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        2      100 SH       DEFINED                   0        0      100
UNITED HEALTHCARE CORP COM *   COMMON STOCK     910581107      804    16510 SH       DEFINED               15410     1100        0
UNITED HEALTHCARE CORP COM *   COMMON STOCK     910581107      439     9015 SH       OTHER                  9015        0        0
UNITED ILLUMINATING CO COM     COMMON STOCK     910637107        5      100 SH       DEFINED                 100        0        0
UNITED STATIONERS INC COM      COMMON STOCK     913004107      535    25100 SH       DEFINED               25100        0        0
UNITED TECHNOLOGIES CORP COM   COMMON STOCK     913017109      457     7700 SH       DEFINED                7200        0      500
UNITED TECHNOLOGIES CORP COM   COMMON STOCK     913017109      251     4224 SH       OTHER                  3200     1024        0
UNITED WATER RESOURCES INC     COMMON STOCK     913190104       20      600 SH       DEFINED                   0        0      600
UNITRIN INC COM                COMMON STOCK     913275103       70     2000 SH       DEFINED                2000        0        0
UNITRODE CORP COM              COMMON STOCK     913283107       57     1356 SH       DEFINED                1356        0        0
UNITRODE CORP COM              COMMON STOCK     913283107        7      156 SH       OTHER                   156        0        0
UNIVERSAL FOODS CORP COM       COMMON STOCK     913538104      178     7748 SH       DEFINED                7748        0        0
UNIVERSAL HEALTH SERVICES INC  COMMON STOCK     913903100       16      600 SH       DEFINED                 600        0        0
UNIVISION COMMUNICATIONS INC C COMMON STOCK     914906102       24      300 SH       DEFINED                   0        0      300
UNOCAL CORP COM *              COMMON STOCK     915289102      481    12973 SH       DEFINED               12973        0        0
UNOCAL CORP COM *              COMMON STOCK     915289102      238     6410 SH       OTHER                  5410        0     1000
UNUMPROVIDENT CORP COM         COMMON STOCK     91529Y106        3      100 SH       DEFINED                 100        0        0
UNUMPROVIDENT CORP COM         COMMON STOCK     91529Y106        3      100 SH       OTHER                   100        0        0
URBAN SHOPPING CENTERS INC COM COMMON STOCK     917060105        9      300 SH       DEFINED                 300        0        0
US BANCORP DEL COM             COMMON STOCK     902973106      123     4080 SH       DEFINED                4080        0        0
US HOME & GARDEN INC COM       COMMON STOCK     902939107       33    13150 SH       DEFINED               13150        0        0
US ONCOLOGY INC COM            COMMON STOCK     90338W103      484    53400 SH       DEFINED               53400        0        0
USFREIGHTWAYS CORP COM *       COMMON STOCK     916906100      308     6510 SH       DEFINED                6510        0        0
USFREIGHTWAYS CORP COM *       COMMON STOCK     916906100      142     3000 SH       OTHER                  3000        0        0
UST INC COM                    COMMON STOCK     902911106      333    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        6      200 SH       DEFINED                   0        0      200
USX-U. S. STEEL GROUP COM      COMMON STOCK     90337T101       28     1074 SH       DEFINED                1074        0        0
UTILICORP UNITED INC COM       COMMON STOCK     918005109       57     2700 SH       DEFINED                2700        0        0
UTILICORP UNITED INC COM       COMMON STOCK     918005109       16      750 SH       OTHER                   750        0        0
V. F. CORP COM                 COMMON STOCK     918204108      200     6450 SH       DEFINED                6450        0        0
VALERO ENERGY CORP NEW COM     COMMON STOCK     91913Y100       25     1300 SH       DEFINED                1300        0        0
VARCO INTERNATIONAL INC COM    COMMON STOCK     922126107      541    44400 SH       DEFINED               44400        0        0
VARI-LITE INTERNATIONAL INC CO COMMON STOCK     922152103       91    90574 SH       DEFINED               90574        0        0
VARIAN INC COM                 COMMON STOCK     922206107      857    48300 SH       DEFINED               48300        0        0
VARIAN SEMICONDUCTOR EQUIP ASS COMMON STOCK     922207105      807    38300 SH       DEFINED               38300        0        0
VENATOR GROUP INC COM          COMMON STOCK     922944103     1032   120500 SH       DEFINED              120500        0        0
VENTAS INC COM                 COMMON STOCK     92276F100     5469  1151339 SH       DEFINED             1110016        0    41323
VENTAS INC COM                 COMMON STOCK     92276F100       34     7163 SH       OTHER                  7163        0        0
VERITAS SOFTWARE CORP COM      COMMON STOCK     923436109       76     1000 SH       DEFINED                1000        0        0
VIACOM INC CLASS B COM         COMMON STOCK     925524308       38      899 SH       DEFINED                 899        0        0
VIASAT INC COM                 COMMON STOCK     92552V100       54     3000 SH       OTHER                     0        0     3000
VISHAY INTERTECHNOLOGY INC COM COMMON STOCK     928298108        7      288 SH       DEFINED                 288        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
WACHOVIA CORP COM *            COMMON STOCK     929771103       61      775 SH       DEFINED                 775        0        0
WADDELL & REED FINANCIAL INC C COMMON STOCK     930059100      659    29700 SH       DEFINED               29700        0        0
WAL MART STORES INC COM *      COMMON STOCK     931142103    12050   253345 SH       DEFINED              246545      200     6600
WAL MART STORES INC COM *      COMMON STOCK     931142103     2602    54715 SH       OTHER                 54315        0      400
WALDEN RESIDENTIAL PROPERTIES  COMMON STOCK     931210108    11131   510319 SH       DEFINED              489649        0    20670
WALDEN RESIDENTIAL PROPERTIES  COMMON STOCK     931210108      118     5424 SH       OTHER                  5424        0        0
WALGREEN CO COM                COMMON STOCK     931422109       85     3360 SH       DEFINED                2538        0      822
WALGREEN CO COM                COMMON STOCK     931422109       10      400 SH       OTHER                   400        0        0
WARNER-LAMBERT CO COM *        COMMON STOCK     934488107    12790   192700 SH       DEFINED              188230        0     4470
WARNER-LAMBERT CO COM *        COMMON STOCK     934488107      464     6989 SH       OTHER                  6989        0        0
WARWICK COMMUNITY BANCORP INC  COMMON STOCK     936559103        3      234 SH       DEFINED                 234        0        0
WASHINGTON FEDERAL INC COM     COMMON STOCK     938824109    10930   471384 SH       DEFINED              457879        0    13505
WASHINGTON FEDERAL INC COM     COMMON STOCK     938824109       93     4022 SH       OTHER                  4022        0        0
WASHINGTON GAS LIGHT CO COM    COMMON STOCK     938837101       33     1200 SH       DEFINED                   0        0     1200
WASHINGTON GAS LIGHT CO COM    COMMON STOCK     938837101       11      400 SH       OTHER                     0      400        0
WASHINGTON MUTUAL INC COM      COMMON STOCK     939322103      225     7700 SH       DEFINED                7700        0        0
WASHINGTON MUTUAL INC COM      COMMON STOCK     939322103       71     2443 SH       OTHER                     0     2443        0
WASTE MANAGEMENT DEL INC COM   COMMON STOCK     94106L109      859    44639 SH       DEFINED               44639        0        0
WAUSAU-MOSINEE PAPER CORP COM  COMMON STOCK     943315101      387    31888 SH       DEFINED               31888        0        0
WD 40 CO COM                   COMMON STOCK     929236107       14      600 SH       DEFINED                 600        0        0
WEATHERFORD INTERNATIONAL INC  COMMON STOCK     947074100     1122    35052 SH       DEFINED               35052        0        0
WEBB DEL CORP                  COMMON STOCK     947423109      403    18300 SH       DEFINED               18300        0        0
WEINGARTEN REALTY INVESTORS SB COMMON STOCK     948741103      104     2777 SH       DEFINED                2777        0        0
WELLMAN INC COM                COMMON STOCK     949702104        8      423 SH       DEFINED                 423        0        0
WELLS FARGO & CO NEW COM *     COMMON STOCK     949746101     4528   114267 SH       DEFINED              112667        0     1600
WELLS FARGO & CO NEW COM *     COMMON STOCK     949746101      936    23630 SH       OTHER                 17160     4000     2470
WENDY'S INTERNATIONAL INC COM  COMMON STOCK     950590109     1401    52870 SH       DEFINED               50840        0     2030
WENDY'S INTERNATIONAL INC COM  COMMON STOCK     950590109       49     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      644    21300 SH       DEFINED               21300        0        0
WESTERN RESOURCES INC COM*     COMMON STOCK     959425109       77     3600 SH       DEFINED                3600        0        0
WEYERHAEUSER CO COM            COMMON STOCK     962166104        6      100 SH       OTHER                     0        0      100
WHITE MOUNTAINS INSURANCE GROU COMMON STOCK     964126106      373     2750 SH       DEFINED                2750        0        0
WHITMAN CORP NEW COM           COMMON STOCK     96647R107      188    13200 SH       DEFINED               13200        0        0
WHOLE FOODS MARKET INC COM     COMMON STOCK     966837106       10      300 SH       DEFINED                 300        0        0
WICOR INC COM *                COMMON STOCK     929253102      698    24000 SH       DEFINED               24000        0        0
WICOR INC COM *                COMMON STOCK     929253102       47     1600 SH       OTHER                  1600        0        0
WILLAMETTE INDUSTRIES INC COM  COMMON STOCK     969133107      380     8800 SH       OTHER                     0     8800        0
WILLIAMS COS COM *             COMMON STOCK     969457100     3508    93247 SH       DEFINED               93247        0        0
WILLIAMS COS COM *             COMMON STOCK     969457100     1225    32548 SH       OTHER                 32548        0        0
WILLIAMS SONOMA INC COM        COMMON STOCK     969904101     1122    23100 SH       DEFINED               23100        0        0
WISCONSIN ENERGY CORP COM      COMMON STOCK     976657106       72     3084 SH       DEFINED                3084        0        0
WORTHINGTON INDS INC COM (OHIO COMMON STOCK     981811102      153     9000 SH       DEFINED                9000        0        0
WPS RESOURCES CORP COM         COMMON STOCK     92931B106       14      500 SH       OTHER                   500        0        0
WRIGLEY WM JR CO COM           COMMON STOCK     982526105       48      700 SH       DEFINED                 700        0        0
WRIGLEY WM JR CO COM           COMMON STOCK     982526105      103     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     3881    92550 SH       DEFINED               92550        0        0
XEROX CORP COM*                COMMON STOCK     984121103      272     6475 SH       OTHER                  6475        0        0
XOOM.COM INC COM               COMMON STOCK     98413F101        5      100 SH       DEFINED                 100        0        0
XTRA CORP COM                  COMMON STOCK     984138107       63     1595 SH       DEFINED                1595        0        0
YAHOO! INC COM DEL             COMMON STOCK     984332106      263     1465 SH       DEFINED                 465        0     1000
3COM CORP COM                  COMMON STOCK     885535104       34     1175 SH       DEFINED                 900      275        0
7-ELEVEN INC COM               COMMON STOCK     817826100        7     3500 SH       DEFINED                3500        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
ACE LTD                        COMMON STOCK     G0070K103       42     2455 SH       DEFINED                2455        0        0
AEGON N V ORD ADR              COMMON STOCK     007924103       60      694 SH       DEFINED                 694        0        0
AGRIUM INC COM                 COMMON STOCK     008916108    14704  1479651 SH       DEFINED             1428951        0    50700
AGRIUM INC COM                 COMMON STOCK     008916108      139    14011 SH       OTHER                 14011        0        0
AKZO NOBEL N V SPONSORED ADR   COMMON STOCK     010199305      214     5000 SH       DEFINED                5000        0        0
ALCATEL SPONSORED ADRS         COMMON STOCK     013904305        6      208 SH       DEFINED                 208        0        0
ASA LTD                        COMMON STOCK     002050102      208    10000 SH       DEFINED               10000        0        0
ASTRAZENECA PLC SPN ADR        COMMON STOCK     046353108      544    12876 SH       DEFINED               12876        0        0
AXA                            COMMON STOCK     054536107      351     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      144     6600 SH       DEFINED                6600        0        0
BARRICK GOLD CORP COM *        COMMON STOCK     067901108       11      500 SH       OTHER                   500        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     4706    42468 SH       DEFINED               41264        0     1204
BP AMOCO PLC SPONSORED ADR*    COMMON STOCK     055622104     2196    19819 SH       OTHER                 13471     3835     2513
BRITISH AIRWAYS PLC SPONSORED  COMMON STOCK     110419306      229     4000 SH       DEFINED                4000        0        0
BRITISH AMERICAN TOBACCO PLC S COMMON STOCK     110448107        3      192 SH       DEFINED                 192        0        0
BRITISH STEEL PLC ADR          COMMON STOCK     111015301     2072    80467 SH       DEFINED               77974        0     2493
BRITISH STEEL PLC ADR          COMMON STOCK     111015301       16      602 SH       OTHER                   602        0        0
BRITISH TELECOMMUNICATIONS PLC COMMON STOCK     111021408      372     2400 SH       DEFINED                2400        0        0
CABLE & WIRELESS PLC ADR       COMMON STOCK     126830207        7      200 SH       DEFINED                   0        0      200
CANADIAN NATIONAL RAILWAY CO   COMMON STOCK     136375102    10263   338564 SH       DEFINED              326840        0    11724
CANADIAN NATIONAL RAILWAY CO   COMMON STOCK     136375102       85     2794 SH       OTHER                  2794        0        0
CANADIAN PACIFIC LTD NEW COM   COMMON STOCK     135923100       98     4300 SH       OTHER                  4300        0        0
CLEARLY CANADIAN BEVERAGE CORP COMMON STOCK     184901205        2     1552 SH       DEFINED                1552        0        0
COMPANHIA CERVEJARIA BRAHMA SP COMMON STOCK     20440X103        4      299 SH       DEFINED                 299        0        0
DAIMLERCHRYSLER AG ORD         COMMON STOCK     D1668R123      392     5647 SH       DEFINED                5398        0      249
DAIMLERCHRYSLER AG ORD         COMMON STOCK     D1668R123       19      279 SH       OTHER                   279        0        0
DE BEERS CONS MINES LIMITED AD COMMON STOCK     240253302        9      351 SH       DEFINED                 351        0        0
DEUTSCHE TELEKOM AG SPONSORED  COMMON STOCK     251566105      217     5200 SH       DEFINED                5200        0        0
DIAGEO PLC SPONSORED ADR       COMMON STOCK     25243Q205       23      550 SH       DEFINED                 550        0        0
DSG INTERNATIONAL LIMITED ORD  COMMON STOCK     G28471103      144    16000 SH       DEFINED               16000        0        0
EDPERBRASCAN CORP CLASS A      COMMON STOCK     280905803        4      304 SH       DEFINED                 304        0        0
ELF AQUITAINE SPONSORED ADR    COMMON STOCK     286269105      424     4630 SH       DEFINED                4630        0        0
ENDESA S.A. SPONSORED ADR      COMMON STOCK     29258N107      338    17669 SH       DEFINED               17669        0        0
ENI SPA SONSORED ADR           COMMON STOCK     26874R108      189     3000 SH       DEFINED                3000        0        0
ENTERPRISE OIL PLC SPONSORED A COMMON STOCK     293779302    17730   875563 SH       DEFINED              840985        0    34578
ENTERPRISE OIL PLC SPONSORED A COMMON STOCK     293779302      147     7245 SH       OTHER                  7245        0        0
ERICSSON L M TEL CO ADR CLASS  COMMON STOCK     294821400       47     1500 SH       DEFINED                1500        0        0
FRESENIUS MEDICAL CARE ADR     COMMON STOCK     358029106        4      183 SH       DEFINED                 183        0        0
FRESENIUS MEDICAL CARE ADR     COMMON STOCK     358029106       69     3107 SH       OTHER                  3107        0        0
GALLAHER GROUP PLC ADR         COMMON STOCK     363595109      433    15942 SH       DEFINED               15462        0      480
GLAXO WELLCOME PLC             COMMON STOCK     37733W105      598    11491 SH       DEFINED               11191        0      300
GLAXO WELLCOME PLC             COMMON STOCK     37733W105        6      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      341     3124 SH       DEFINED                3124        0        0
HONDA MOTOR CO LTD SPONSORED A COMMON STOCK     438128308      245     3000 SH       DEFINED                3000        0        0
HSBC HOLDINGS PLC SPONSORED AD COMMON STOCK     404280406        6      102 SH       DEFINED                 102        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        5      200 SH       DEFINED                 200        0        0
ING GROEP N V SPONSORED ADR    COMMON STOCK     456837103      347     6334 SH       DEFINED                6334        0        0
INSTITUTO BANC SAN PAOLO SPONS COMMON STOCK     465224103      312    12000 SH       DEFINED               12000        0        0
IPC HOLDINGS LIMITED           COMMON STOCK     G4933P101     7587   404646 SH       DEFINED              377458        0    27188
IPC HOLDINGS LIMITED           COMMON STOCK     G4933P101       61     3248 SH       OTHER                  3248        0        0
KNIGHTSBRIDGE TANKERS LTD      COMMON STOCK     G5299G106       16     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        0      800 SH       DEFINED                 800        0        0
LVMH MOET HENNESSY LOUIS VUITT COMMON STOCK     502441207        3       52 SH       DEFINED                  52        0        0
MACMILLAN BLOEDEL LTD          COMMON STOCK     554783209      275    17500 SH       DEFINED               17500        0        0
NEWS CORP LIMITED ADR NEW      COMMON STOCK     652487703        6      200 SH       DEFINED                 200        0        0
NIPPON TELEG & TEL CORP SPONS  COMMON STOCK     654624105        1       10 SH       DEFINED                  10        0        0
NOKIA CORP SPONSORED PREFERENC COMMON STOCK     654902204      584     6500 SH       DEFINED                4500        0     2000
NORSK HYDRO A. S. SPONSORED AD COMMON STOCK     656531605    27157   631554 SH       DEFINED              602922        0    28632
NORSK HYDRO A. S. SPONSORED AD COMMON STOCK     656531605      252     5864 SH       OTHER                  5149      676       39
NORTEL NETWORKS CORP COM *     COMMON STOCK     656569100    12932   253564 SH       DEFINED              245994        0     7570
NORTEL NETWORKS CORP COM *     COMMON STOCK     656569100      524    10282 SH       OTHER                 10282        0        0
NOVO-NORDISK A/S SPONSORED ADR COMMON STOCK     670100205      269     4500 SH       DEFINED                4500        0        0
PARTNERRE LTD.                 COMMON STOCK     G6852T105    11044   317806 SH       DEFINED              304445        0    13361
PARTNERRE LTD.                 COMMON STOCK     G6852T105       94     2703 SH       OTHER                  1989      614      100
PECHINEY SA SPONSORED ADR      COMMON STOCK     705151207     4563   166311 SH       DEFINED              159781        0     6530
PECHINEY SA SPONSORED ADR      COMMON STOCK     705151207       37     1341 SH       OTHER                  1341        0        0
PETROLEUM GEO SERVICES A/S SPO COMMON STOCK     716597109       19     1000 SH       DEFINED                1000        0        0
PLACER DOME INC COM            COMMON STOCK     725906101       58     3900 SH       OTHER                  3900        0        0
PORTUGAL TELECOM S.A. ADR      COMMON STOCK     737273102      434    10500 SH       DEFINED               10500        0        0
POWERGEN PLC SPONS ADR-FINAL I COMMON STOCK     738905405      354     8500 SH       DEFINED                8500        0        0
PT TELEKOMUNIKASI INDONESIA SP COMMON STOCK     715684106        4      540 SH       DEFINED                 540        0        0
RANGER OIL LTD COM             COMMON STOCK     752805101     6230  1465987 SH       DEFINED             1409954        0    56033
RANGER OIL LTD COM             COMMON STOCK     752805101       50    11780 SH       OTHER                 11780        0        0
RENAISSANCE RE HOLDINGS LTD CO COMMON STOCK     G7496G103    14381   414592 SH       DEFINED              406063        0     8529
RENAISSANCE RE HOLDINGS LTD CO COMMON STOCK     G7496G103      115     3321 SH       OTHER                  3321        0        0
REPSOL S A SPONSORED ADR       COMMON STOCK     76026T205      518    26000 SH       DEFINED               26000        0        0
REUTERS GROUP PLC SPONSORED AD COMMON STOCK     76132M102       92     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       15      300 SH       OTHER                   300        0        0
ROYAL DUTCH PETROLEUM CO NY SH COMMON STOCK     780257804     2513    42544 SH       DEFINED               42544        0        0
ROYAL DUTCH PETROLEUM CO NY SH COMMON STOCK     780257804      247     4175 SH       OTHER                  3375        0      800
SAP AKTIENGESELLSCHAFT SPONSOR COMMON STOCK     803054204      230     6100 SH       DEFINED                6100        0        0
SEAGRAM LIMITED COM            COMMON STOCK     811850106       64     1400 SH       DEFINED                1400        0        0
SECURITY CAPITAL US-SPONSORED  COMMON STOCK     814136206       90     5000 SH       DEFINED                5000        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      580    12752 SH       DEFINED               12752        0        0
SHELL TRANS & TRADING PLC NY S COMMON STOCK     822703609       27      600 SH       OTHER                     0      600        0
SMITHKLINE BEECHAM PLC ADR CLA COMMON STOCK     832378301      732    12700 SH       DEFINED               12700        0        0
SONY CORP AMERICAN SHARES NEW  COMMON STOCK     835699307      525     3500 SH       DEFINED                3500        0        0
TALISMAN ENERGY INC COM        COMMON STOCK     87425E103      509    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      352     4085 SH       DEFINED                4085        0        0
TELEFONICA S A SPONSORED ADR   COMMON STOCK     879382208      118     2463 SH       OTHER                     0     2463        0
TELEFONOS DE MEXICO S A SPON O COMMON STOCK     879403780       12      163 SH       DEFINED                 163        0        0
TRANSCANADA PIPELINES LIMITED  COMMON STOCK     893526103     6861   525224 SH       DEFINED              505106        0    20118
TRANSCANADA PIPELINES LIMITED  COMMON STOCK     893526103       53     4024 SH       OTHER                  4024        0        0
TRANSOCEAN OFFSHORE INC CAY IS COMMON STOCK     G90076103     2888    94314 SH       DEFINED               93814        0      500
TRANSOCEAN OFFSHORE INC CAY IS COMMON STOCK     G90076103      124     4040 SH       OTHER                  4040        0        0
TRANSPORTACION MARITIMA MEXICA COMMON STOCK     893868208        4     1000 SH       DEFINED                1000        0        0
UNILEVER NV NEW YORK SHARES NE COMMON STOCK     904784709     1901    27900 SH       DEFINED               27900        0        0
UNILEVER NV NEW YORK SHARES NE COMMON STOCK     904784709      717    10531 SH       OTHER                 10353        0      178
VODAFONE AIRTOUCH PUBLIC LTD C COMMON STOCK     92857T107     1465     6160 SH       DEFINED                6160        0        0
VODAFONE AIRTOUCH PUBLIC LTD C COMMON STOCK     92857T107      294     1235 SH       OTHER                  1235        0        0
WIZTEC SOLUTIONS LTD COM STOCK COMMON STOCK     M98105105        2      100 SH       DEFINED                 100        0        0
XL CAPITAL LTD CLASS A         COMMON STOCK     G98255105    15831   351806 SH       DEFINED              337420        0    14386
XL CAPITAL LTD CLASS A         COMMON STOCK     G98255105      140     3106 SH       OTHER                  3106        0        0
YPF SOCIEDAD ANONIMA SPONSORED COMMON STOCK     984245100        9      234 SH       DEFINED                 234        0        0
MIDLAND BANK PLC 9.125% SERIES PREFERRED STOCK  597433861       37     1500 SH       OTHER               N.A.     N.A.     N.A.
MORGAN STANLEY PLC 8.20% SERIE PREFERRED STOCK  616906707      123     5000 SH       DEFINED             N.A.     N.A.     N.A.
ATLANTIC RICHFIELD CO PFD CONV PREFERRED STOCK  048825400       43      100 SH       DEFINED             N.A.     N.A.     N.A.
AVISTA CORP $1.24 SER L CONV P PREFERRED STOCK  05379B503       21     1200 SH       OTHER               N.A.     N.A.     N.A.
CAMDEN PROPERTY TR $2.25 SER A PREFERRED STOCK  133131201        7      300 SH       DEFINED             N.A.     N.A.     N.A.
EL PASO ENERGY CAP I 4.75% CON PREFERRED STOCK  283678209      644    12300 SH       DEFINED             N.A.     N.A.     N.A.
MICROSOFT CORP 2.1960 SER A CO PREFERRED STOCK  594918203      503     5000 SH       DEFINED             N.A.     N.A.     N.A.
PRIME RETAIL 8.5% SER B CONV P PREFERRED STOCK  741570303     2392   171631 SH       DEFINED             N.A.     N.A.     N.A.
PRIME RETAIL 8.5% SER B CONV P PREFERRED STOCK  741570303       15     1067 SH       OTHER               N.A.     N.A.     N.A.
SEALED AIR CORP NEW SER A $2 P PREFERRED STOCK  81211K209     1026    20216 SH       DEFINED             N.A.     N.A.     N.A.
SEALED AIR CORP NEW SER A $2 P PREFERRED STOCK  81211K209       71     1406 SH       OTHER               N.A.     N.A.     N.A.
WENDYS FINANCING I 5.0% A CONV PREFERRED STOCK  950588202      458     8100 SH       DEFINED             N.A.     N.A.     N.A.
NORAM ENERGY CORP        6%  3 OTHER            655419AC3      178   200000 PRN      OTHER               N.A.     N.A.     N.A.
ALLIANCE ALL-MARKET ADVANTAGE  OTHER            01852M108      193     5000 SH       DEFINED             N.A.     N.A.     N.A.
DUFF & PHELPS UTILS INCOME INC OTHER            264324104      125    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.
FIRST FINANCIAL FUND           OTHER            320228109        6      697 SH       OTHER               N.A.     N.A.     N.A.
FIRST ISRAEL FUND INC          OTHER            32063L100       56     4000 SH       DEFINED             N.A.     N.A.     N.A.
GABELLI EQUITY TRUST INC COM   OTHER            362397101       12     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.
GABELLI UTILITY TRUST COM      OTHER            36240A101        1      102 SH       DEFINED             N.A.     N.A.     N.A.
JOHN HANCOCK PATRIOT PREM DIV  OTHER            41013T105       21     2000 SH       OTHER               N.A.     N.A.     N.A.
LATIN AMERICAN INVESTMENT FD I OTHER            518279104       17     1643 SH       DEFINED             N.A.     N.A.     N.A.
LIBERTY ALL STAR EQUITY FUND   OTHER            530158104      113     9612 SH       DEFINED             N.A.     N.A.     N.A.
MORG STNLY DEAN WTER ASIA-PAC  OTHER            61744U106       79     8000 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STNLY DEAN WTER INDIA I OTHER            61745C105      245    18500 SH       DEFINED             N.A.     N.A.     N.A.
TRI-CONTINENTAL CORP COM       OTHER            895436103      390    13335 SH       DEFINED             N.A.     N.A.     N.A.
ACM GOVERNMENT INCOME FUND INC OTHER            000912105      128    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       47     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       69     4500 SH       DEFINED             N.A.     N.A.     N.A.
HIGH INCOME OPPORTUNITY FUND,  OTHER            42967Q105       17     1857 SH       DEFINED             N.A.     N.A.     N.A.
HYPERION TOTAL RETURN FUND INC OTHER            449145101       32     4200 SH       DEFINED             N.A.     N.A.     N.A.
MFS CHARTERED INCOME TRUST SBI OTHER            552727109       16     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       24     1500 SH       DEFINED             N.A.     N.A.     N.A.
PACHOLDER FD INC COM           OTHER            693742108      180    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        8      667 SH       DEFINED             N.A.     N.A.     N.A.
PIONEER INTEREST SHARES INC CO OTHER            723703104      136    12500 SH       DEFINED             N.A.     N.A.     N.A.
PUTNAM MASTER INTER INCOME TRU OTHER            746909100      185    28688 SH       DEFINED             N.A.     N.A.     N.A.
PUTNAM MASTER INTER INCOME TRU OTHER            746909100       12     1914 SH       OTHER               N.A.     N.A.     N.A.
PUTNAM PREMIER INCOME TRUST SB OTHER            746853100       17     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       25     1500 SH       DEFINED             N.A.     N.A.     N.A.
VAN KAMPEN CAPITAL SENIOR INC  OTHER            920961109       92    10100 SH       DEFINED             N.A.     N.A.     N.A.
VESTAUR SECURITIES INC *       OTHER            925464109       57     4500 SH       DEFINED             N.A.     N.A.     N.A.
ACM MUNICIPAL SECS INCOME FD I OTHER            000942102       18     1500 SH       DEFINED             N.A.     N.A.     N.A.
BLACKROCK INSD MUN 2008 TERM T OTHER            09247K109      100     6700 SH       DEFINED             N.A.     N.A.     N.A.
BLACKROCK INSD MUN 2008 TERM T OTHER            09247K109      125     8398 SH       OTHER               N.A.     N.A.     N.A.
BLACKROCK INVESTMENT QUALITY M OTHER            09247D105       23     1700 SH       OTHER               N.A.     N.A.     N.A.
BLACKROCK MUNICIPAL TARGET TER OTHER            09247M105       10     1010 SH       DEFINED             N.A.     N.A.     N.A.
COLONIAL MUNICIPAL INCOME TRUS OTHER            195799101        6     1000 SH       OTHER               N.A.     N.A.     N.A.
DREYFUS MUNICIPAL INCOME INC C OTHER            26201R102       14     1859 SH       DEFINED             N.A.     N.A.     N.A.
DREYFUS STRATEGIC MUNI BOND FU OTHER            26202F107      165    20288 SH       DEFINED             N.A.     N.A.     N.A.
DREYFUS STRATEGIC MUNICIPALS I OTHER            261932107      232    29034 SH       DEFINED             N.A.     N.A.     N.A.
DUFF & PHELPS UTILS T/F INCOME OTHER            264325101      151    10000 SH       DEFINED             N.A.     N.A.     N.A.
INSURED MUNI INCOME FUND       OTHER            45809F104        7      581 SH       OTHER               N.A.     N.A.     N.A.
INVESTMENT GRADE MUNICIPAL INC OTHER            461368102       71     5148 SH       DEFINED             N.A.     N.A.     N.A.
INVESTMENT GRADE MUNICIPAL INC OTHER            461368102       17     1214 SH       OTHER               N.A.     N.A.     N.A.
MANAGED MUNICIPAL PORTFOLIO II OTHER            561663105       18     1874 SH       DEFINED             N.A.     N.A.     N.A.
MANAGED MUNICIPAL PORTFOLIO IN OTHER            561662107       29     3013 SH       DEFINED             N.A.     N.A.     N.A.
MFS MUNICIPAL INCOME TRUST     OTHER            552738106      188    26171 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STAN DEAN WITT INSD MUN OTHER            61745P866      110     8000 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STAN DEAN WITT MUNI INC OTHER            61745P452        4      500 SH       DEFINED             N.A.     N.A.     N.A.
MUNIENHANCED FUND INC COM      OTHER            626243109       20     2000 SH       OTHER               N.A.     N.A.     N.A.
MUNIVEST FUND INC COM          OTHER            626295109       21     2500 SH       OTHER               N.A.     N.A.     N.A.
MUNIYIELD FUND INC COM         OTHER            626299101       25     1900 SH       OTHER               N.A.     N.A.     N.A.
MUNIYIELD INSURED FUND INC COM OTHER            62630E107       26     2000 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN INSD MUN OPPORTUNITY FD OTHER            670984103       63     4550 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INSD MUN OPPORTUNITY FD OTHER            670984103       18     1288 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN INSD PREM INCOME MUN FD OTHER            6706D8104       48     4000 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INSD PREM INCOME MUN FD OTHER            6706D8104       68     5692 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN INSD QUALITY MUNICIPAL  OTHER            67062N103       41     2950 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INSD QUALITY MUNICIPAL  OTHER            67062N103       65     4660 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN INVT QUALITY MUN FD INC OTHER            67062E103       59     4300 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INVT QUALITY MUN FD INC OTHER            67062E103       21     1500 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN MUNI ADVANTAGE FUND INC OTHER            67062H106       29     2000 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNI MKT OPPORTUNITY FU OTHER            67062W103      200    13750 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNI MKT OPPORTUNITY FU OTHER            67062W103      113     7750 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN MUNICIPAL INCOME FUND   OTHER            67062J102       17     1500 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNICIPAL VALUE FUND IN OTHER            670928100      263    31225 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNICIPAL VALUE FUND IN OTHER            670928100       17     2000 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN PERFORMANCE PLUS MUN FD OTHER            67062P108      386    30000 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PREM INCOME MUN FD 2 IN OTHER            67063W102      121     8200 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PREMIER INSURED MUNI IN OTHER            670987106       32     2235 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PREMIER MUN INCOME FD I OTHER            670988104       71     5000 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN PREMIUM INCOME MUN FD I OTHER            67062T100      286    22466 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PREMIUM INCOME MUN FD I OTHER            67062T100        9      700 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN PREMIUM INCOME MUNICIPA OTHER            6706K4105       26     2133 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN QUALITY INCOME MUN FD I OTHER            670977107       25     1700 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN QUALITY INCOME MUN FD I OTHER            670977107       25     1700 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN SELECT MATURITIES MUNI  OTHER            67061T101       41     4000 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN SELECT MATURITIES MUNI  OTHER            67061T101       41     4000 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN SELECT QUALITY MUN FD I OTHER            670973106       62     4500 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN SELECT QUALITY MUN FD I OTHER            670973106       61     4429 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN SELECT TAX FREE INCOME  OTHER            67063X100       23     1727 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN SELECT TAX FREE INCOME  OTHER            67063C106       46     3250 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN SELECT TAX FREE INCOME  OTHER            67063C106       93     6620 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN SELECT TAX-FREE INCOME  OTHER            67062F100       61     4200 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN TEX QUALITY INCOME MUN  OTHER            670983105      250    17667 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN TEX QUALITY INCOME MUN  OTHER            670983105      131     9241 SH       OTHER               N.A.     N.A.     N.A.
PUTNAM INVT GRADE MUNICIPAL TR OTHER            746807106       54     5000 SH       DEFINED             N.A.     N.A.     N.A.
SELIGMAN SELECT MUNICIPAL FUND OTHER            816344105       12     1250 SH       DEFINED             N.A.     N.A.     N.A.
SELIGMAN SELECT MUNICIPAL FUND OTHER            816344105       12     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        9      670 SH       DEFINED             N.A.     N.A.     N.A.
VAN KAMPEN MUNICIPAL TRUST     OTHER            920919107       89     6410 SH       DEFINED             N.A.     N.A.     N.A.
HANCOCK JOHN INVESTORS TRUST   OTHER            410142103       26     1500 SH       DEFINED             N.A.     N.A.     N.A.
MEXICO EQUITY & INCOME FUND CO OTHER            592834105        5      765 SH       DEFINED             N.A.     N.A.     N.A.
MESA OFFSHORE TR               OTHER            590650107        0     1000 SH       DEFINED                1000        0        0
AMERICAN REAL ESTATE PARTNERS  OTHER            029169109        9     1010 SH       DEFINED                1010        0        0
BUCKEYE PARTNERS L P UNIT      OTHER            118230101      848    31398 SH       DEFINED               31398        0        0
BUCKEYE PARTNERS L P UNIT      OTHER            118230101       49     1800 SH       OTHER                     0     1200      600
DORCHESTER HUGOTON LTD DEP RCP OTHER            258205202       52     4150 SH       DEFINED                4150        0        0
EOTT ENERGY PARTNERS L P       OTHER            294103106       47     3000 SH       DEFINED                3000        0        0
KANEB PIPE LINE PARTNERS L P U OTHER            484169107       55     1900 SH       DEFINED                1900        0        0
KINDER MORGAN ENERGY PARTNERS  OTHER            494550106       35      800 SH       OTHER                     0        0      800
LEVIATHAN GAS PIPELINE PARTNER OTHER            527367205       68     3000 SH       DEFINED                3000        0        0
LEVIATHAN GAS PIPELINE PARTNER OTHER            527367205       36     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       29     1000 SH       OTHER                  1000        0        0
PERMIAN BASIN ROYALTY TR UNIT  OTHER            714236106        0       50 SH       DEFINED                  50        0        0
PIMCO ADVISORS HOLDINGS LP UNI OTHER            69338P102      379    12018 SH       DEFINED               12018        0        0
SABINE ROYALTY TRUST UNITS BEN OTHER            785688102      152    10450 SH       DEFINED               10450        0        0
SABINE ROYALTY TRUST UNITS BEN OTHER            785688102       73     5000 SH       OTHER                  5000        0        0
SAN JUAN BASIN RTY TR UNIT BEN OTHER            798241105       51     5750 SH       DEFINED                5750        0        0
SAN JUAN BASIN RTY TR UNIT BEN OTHER            798241105       15     1650 SH       OTHER                     0     1650        0
TEPPCO PARTNERS L P UNIT LTD P OTHER            872384102       64     3200 SH       DEFINED                3200        0        0
</TABLE>



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