CULLEN FROST BANKERS INC
13F-HR, 1999-05-10
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: 3/31/99

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:     DIANE JACK
TITLE:    COPORATE SECRETARY - SR. V.P.
PHONE:    210-220-4176
SIGNATURE,PLACE,AND DATE OF SIGNING:

  /S/ DIANE JACK                     SAN ANTONIO, TX          3/31/99


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:   1441

FORM 13F INFORMATION TABLE VALUE TOTAL:       $2,329,141,467
<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>
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    12961   162391 SH       DEFINED              161589      120      682
A T & T CORP COM *             COMMON STOCK     001957109      874    10948 SH       OTHER                  7975     2973        0
ABBOTT LABORATORIES COM *      COMMON STOCK     002824100     8544   182510 SH       DEFINED              178710        0     3800
ABBOTT LABORATORIES COM *      COMMON STOCK     002824100     2646    56525 SH       OTHER                 26725    23400     6400
ADAPTEC INC COM                COMMON STOCK     00651F108       37     1600 SH       DEFINED                1600        0        0
ADC TELECOMMUNICATIONS INC COM COMMON STOCK     000886101        5      100 SH       DEFINED                 100        0        0
ADVANCED MICRO DEVICES COM     COMMON STOCK     007903107        1       58 SH       DEFINED                  58        0        0
ADVANTAGE LEARNING SYSTEMS INC COMMON STOCK     00757K100       26      850 SH       DEFINED                 850        0        0
AEROQUIP-VICKERS INC           COMMON STOCK     007869100       77     1350 SH       DEFINED                1350        0        0
AETNA INC COM                  COMMON STOCK     008117103        8      100 SH       DEFINED                 100        0        0
AETNA INC COM                  COMMON STOCK     008117103       25      300 SH       OTHER                     0      300        0
AFLAC INC COM *                COMMON STOCK     001055102     2178    40000 SH       DEFINED               40000        0        0
AFLAC INC COM *                COMMON STOCK     001055102      408     7500 SH       OTHER                  7500        0        0
AGCO CORP COM                  COMMON STOCK     001084102     7076  1078207 SH       DEFINED             1017438        0    60769
AGCO CORP COM                  COMMON STOCK     001084102       51     7733 SH       OTHER                  7733        0        0
AGOURON PHARMACEUTICALS INC CO COMMON STOCK     008488108      226     4000 SH       DEFINED                4000        0        0
AGRIBRANDS INTL INC            COMMON STOCK     00849R105        4      120 SH       DEFINED                 120        0        0
AIR PRODUCTS & CHEMICALS INC C COMMON STOCK     009158106     2917    85161 SH       DEFINED               82431     2000      730
AIR PRODUCTS & CHEMICALS INC C COMMON STOCK     009158106      910    26564 SH       OTHER                 26564        0        0
AIRGAS INC COM                 COMMON STOCK     009363102      543    64825 SH       DEFINED               64825        0        0
AIRTOUCH COMMUNICATIONS, INC ( COMMON STOCK     00949T100     1935    20027 SH       DEFINED               20027        0        0
AIRTOUCH COMMUNICATIONS, INC ( COMMON STOCK     00949T100      296     3060 SH       OTHER                  2660      400        0
ALBERTSON'S INC COM *          COMMON STOCK     013104104     4601    84521 SH       DEFINED               80471        0     4050
ALBERTSON'S INC COM *          COMMON STOCK     013104104      303     5575 SH       OTHER                  5575        0        0
ALCOA INC COM                  COMMON STOCK     013817101      280     6800 SH       DEFINED                6000        0      800
ALIGN-RITE INTERNATIONAL INC C COMMON STOCK     016251100        6      500 SH       DEFINED                 500        0        0
ALLEGHENY ENERGY INC COM       COMMON STOCK     017361106      268     9100 SH       DEFINED                9100        0        0
ALLEGHENY ENERGY INC COM       COMMON STOCK     017361106       38     1300 SH       OTHER                   300     1000        0
ALLEGHENY TELEDYNE INC COM     COMMON STOCK     017415100       54     2863 SH       DEFINED                2863        0        0
ALLIED WASTE INDS INC COM NEW  COMMON STOCK     019589308       11      750 SH       DEFINED                 750        0        0
ALLIEDSIGNAL INC COM           COMMON STOCK     019512102      673    13675 SH       DEFINED               12875        0      800
ALLSTATE CORP COM              COMMON STOCK     020002101     6405   172826 SH       DEFINED              165308        0     7518
ALLSTATE CORP COM              COMMON STOCK     020002101      161     4333 SH       OTHER                  4333        0        0
ALLTEL CORP COM *              COMMON STOCK     020039103    68110  1091945 SH       DEFINED             1079652        0    12293
ALLTEL CORP COM *              COMMON STOCK     020039103     3396    54450 SH       OTHER                 53850      600        0
ALTERA CORP COM *              COMMON STOCK     021441100     8383   140889 SH       DEFINED              137529        0     3360
ALTERA CORP COM *              COMMON STOCK     021441100       84     1420 SH       OTHER                  1420        0        0
AMAZON.COM INC                 COMMON STOCK     023135106       34      200 SH       DEFINED                 200        0        0
AMEREN CORP COM                COMMON STOCK     023608102       43     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      347     2361 SH       DEFINED                1850        0      511
AMERICAN BINGO & GAMING COM    COMMON STOCK     024596108        0      200 SH       DEFINED                 200        0        0
AMERICAN ELECTRIC POWER INC CO COMMON STOCK     025537101      423    10670 SH       DEFINED               10670        0        0
AMERICAN EXPRESS CO COM *      COMMON STOCK     025816109    13947   118442 SH       DEFINED              114452      780     3210
AMERICAN EXPRESS CO COM *      COMMON STOCK     025816109      844     7170 SH       OTHER                  7170        0        0
AMERICAN FINANCIAL GROUP INC O COMMON STOCK     025932104      581    16500 SH       DEFINED               16500        0        0
AMERICAN GENERAL CORP COM *    COMMON STOCK     026351106    13186   187031 SH       DEFINED              181831      600     4600
AMERICAN GENERAL CORP COM *    COMMON STOCK     026351106      992    14067 SH       OTHER                 14067        0        0
AMERICAN GREETINGS CORP CLASS  COMMON STOCK     026375105      510    20100 SH       DEFINED               20100        0        0
AMERICAN HOME PRODUCTS CORP CO COMMON STOCK     026609107    20387   312438 SH       DEFINED              306728      120     5590
AMERICAN HOME PRODUCTS CORP CO COMMON STOCK     026609107     2022    30984 SH       OTHER                 20584    10400        0
AMERICAN INDEMNITY FINANCIAL C COMMON STOCK     026759100       11      871 SH       DEFINED                 690        0      181
AMERICAN INDEMNITY FINANCIAL C COMMON STOCK     026759100      469    38095 SH       OTHER                     0    38095        0
AMERICAN INT'L GROUP INC COM * COMMON STOCK     026874107    14266   118268 SH       DEFINED              114181        0     4087
AMERICAN INT'L GROUP INC COM * COMMON STOCK     026874107     1146     9502 SH       OTHER                  8827        0      675
AMERICAN NATIONAL INSURANCE CO COMMON STOCK     028591105      497     7427 SH       DEFINED                3200        0     4227
AMERICAN PHYSICIANS SERVICE GR COMMON STOCK     028882108       71    31692 SH       DEFINED               31692        0        0
AMERICAN POWER CONVERSION CORP COMMON STOCK     029066107       30     1100 SH       DEFINED                1100        0        0
AMERICAN STORES CO COM         COMMON STOCK     030096101      727    22032 SH       DEFINED               22032        0        0
AMERITECH CORP COM *           COMMON STOCK     030954101     2908    50468 SH       DEFINED               49400        0     1068
AMERITECH CORP COM *           COMMON STOCK     030954101      918    15934 SH       OTHER                 15934        0        0
AMES DEPARTMENT STORES INC COM COMMON STOCK     030789507      839    22600 SH       DEFINED               22600        0        0
AMGEN INC COM *                COMMON STOCK     031162100      890    11890 SH       DEFINED               11890        0        0
AMGEN INC COM *                COMMON STOCK     031162100      314     4200 SH       OTHER                  4200        0        0
AMLI RESIDENTIAL PROPERTIES TR COMMON STOCK     001735109       23     1100 SH       DEFINED                1100        0        0
AMP INC COM *                  COMMON STOCK     031897101     1451    27114 SH       DEFINED               27114        0        0
AMP INC COM *                  COMMON STOCK     031897101      117     2180 SH       OTHER                     0        0     2180
AMR CORP DELAWARE COM          COMMON STOCK     001765106      214     3650 SH       DEFINED                3650        0        0
AMRESCO INC COM                COMMON STOCK     031909104        2      200 SH       DEFINED                 200        0        0
ANADARKO PETROLEUM CORP COM    COMMON STOCK     032511107       61     1625 SH       DEFINED                1625        0        0
ANADARKO PETROLEUM CORP COM    COMMON STOCK     032511107        8      200 SH       OTHER                     0        0      200
ANCHOR GAMING COM              COMMON STOCK     033037102      381     8700 SH       DEFINED                8700        0        0
ANDREW CORP COM *              COMMON STOCK     034425108      717    58240 SH       DEFINED               58240        0        0
ANDREW CORP COM *              COMMON STOCK     034425108       73     5895 SH       OTHER                  5895        0        0
ANHEUSER BUSCH COS INC COM *   COMMON STOCK     035229103     8648   113598 SH       DEFINED              113598        0        0
ANHEUSER BUSCH COS INC COM *   COMMON STOCK     035229103      392     5150 SH       OTHER                  5150        0        0
AON CORP COM                   COMMON STOCK     037389103       71     1130 SH       DEFINED                   0     1130        0
APACHE CORP COM                COMMON STOCK     037411105       51     1948 SH       DEFINED                 250      600     1098
APACHE CORP COM                COMMON STOCK     037411105        3      100 SH       OTHER                     0        0      100
APPLE COMPUTER INC COM         COMMON STOCK     037833100       36     1000 SH       DEFINED                1000        0        0
APPLEBEE'S INTERNATIONAL INC C COMMON STOCK     037899101        7      302 SH       DEFINED                 302        0        0
APPLIED MAGNETICS CORP COM     COMMON STOCK     038213104        2      500 SH       DEFINED                 500        0        0
APPLIED MATERIALS INC COM *    COMMON STOCK     038222105    10666   172901 SH       DEFINED              170656     1200     1045
APPLIED MATERIALS INC COM *    COMMON STOCK     038222105      446     7237 SH       OTHER                  7237        0        0
APPLIED POWER INC CLASS A      COMMON STOCK     038225108      469    17200 SH       DEFINED               17200        0        0
ARCHER DANIELS MIDLAND CO COM  COMMON STOCK     039483102       71     4833 SH       DEFINED                4833        0        0
ARCHSTONE COMMUNITIES TRUST SB COMMON STOCK     039581103     1741    86495 SH       DEFINED               84895        0     1600
ARCHSTONE COMMUNITIES TRUST SB COMMON STOCK     039581103      382    18980 SH       OTHER                 18980        0        0
ARDEN REALTY GROUP INC COM     COMMON STOCK     039793104       16      700 SH       DEFINED                   0        0      700
ARGONAUT GROUP INC COM         COMMON STOCK     040157109       23      892 SH       DEFINED                 892        0        0
ARVIN INDUSTRIES INC COM       COMMON STOCK     043339100       17      500 SH       DEFINED                 500        0        0
ASCEND COMMUNICATIONS INC COM  COMMON STOCK     043491109       12      140 SH       DEFINED                 140        0        0
ASPECT TELECOMMUNICATIONS CORP COMMON STOCK     045237104        3      500 SH       DEFINED                 500        0        0
ASPEN TECHNOLOGY INC COM (DEL) COMMON STOCK     045327103       14     1000 SH       DEFINED                1000        0        0
ASSOCIATES FIRST CAPITAL CORP  COMMON STOCK     046008108     1735    38552 SH       DEFINED               36838        0     1714
AT HOME CORP SERIES A          COMMON STOCK     045919107       32      200 SH       DEFINED                 200        0        0
AT&T CORP COM LIBERTY MEDIA GR COMMON STOCK     001957208      757    14391 SH       DEFINED               14391        0        0
ATLANTIC REALTY TRUST INC      COMMON STOCK     048798102        2      262 SH       DEFINED                 262        0        0
ATLANTIC RICHFIELD CO COM *    COMMON STOCK     048825103     1719    23514 SH       DEFINED               22364        0     1150
ATLANTIC RICHFIELD CO COM *    COMMON STOCK     048825103     1202    16444 SH       OTHER                 13504      640     2300
AUDIOHIGHWAY.COM INC COM       COMMON STOCK     050740109        2      200 SH       DEFINED                 200        0        0
AURA SYSTEMS INC COM           COMMON STOCK     051526101        0      400 SH       DEFINED                   0        0      400
AUTODESK INC COM               COMMON STOCK     052769106      615    15200 SH       DEFINED               15200        0        0
AUTOLIV INC COM                COMMON STOCK     052800109       69     1841 SH       OTHER                  1023      818        0
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103     2398    57960 SH       DEFINED               57960        0        0
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103      147     3550 SH       OTHER                  2350     1200        0
AVERY DENNISON CORP COM *      COMMON STOCK     053611109    13020   226433 SH       DEFINED              219653     2000     4780
AVERY DENNISON CORP COM *      COMMON STOCK     053611109     1279    22237 SH       OTHER                 22237        0        0
AVIRON COM                     COMMON STOCK     053762100        8      400 SH       DEFINED                 400        0        0
AVX CORP COM                   COMMON STOCK     002444107      144     9000 SH       DEFINED                9000        0        0
BAIRNCO CORP COM               COMMON STOCK     057097107        9     1963 SH       DEFINED                1963        0        0
BAKER HUGHES INC COM *         COMMON STOCK     057224107      833    34263 SH       DEFINED               34248        0       15
BAKER HUGHES INC COM *         COMMON STOCK     057224107      130     5331 SH       OTHER                  5331        0        0
BALL CORP COM                  COMMON STOCK     058498106       94     2000 SH       OTHER                     0     2000        0
BALTIMORE GAS & ELECTRIC CO CO COMMON STOCK     059165100       10      400 SH       DEFINED                 400        0        0
BANK OF COMMERCE SAN DIEGO CAL COMMON STOCK     061589107      292    14500 SH       DEFINED               14500        0        0
BANK OF NEW YORK INC COM       COMMON STOCK     064057102      647    18000 SH       DEFINED               18000        0        0
BANK OF NEW YORK INC COM       COMMON STOCK     064057102      302     8400 SH       OTHER                     0     8400        0
BANK ONE CORP COM              COMMON STOCK     06423A103     1338    24295 SH       DEFINED               12932        0    11363
BANK ONE CORP COM              COMMON STOCK     06423A103      267     4840 SH       OTHER                     0     4840        0
BANKAMERICA CORP NEW COM *     COMMON STOCK     06605F102     6917    97939 SH       DEFINED               97939        0        0
BANKAMERICA CORP NEW COM *     COMMON STOCK     06605F102     1027    14545 SH       OTHER                 14545        0        0
BANKERS TRUST CORP COMMON      COMMON STOCK     066365107      683     7735 SH       DEFINED                7735        0        0
BANKERS TRUST CORP COMMON      COMMON STOCK     066365107       35      400 SH       OTHER                   400        0        0
BARRA INC COM                  COMMON STOCK     068313105      328    13300 SH       DEFINED               13300        0        0
BARRY R G CORP OHIO COM        COMMON STOCK     068798107        7      750 SH       DEFINED                 750        0        0
BASIN EXPLORATION INC COM      COMMON STOCK     070107107       14     1000 SH       OTHER                  1000        0        0
BATTLE MOUNTAIN GOLD COM       COMMON STOCK     071593107        1      520 SH       DEFINED                 243        0      277
BAXTER INTERNATIONAL INC COM * COMMON STOCK     071813109     2810    42569 SH       DEFINED               42569        0        0
BAXTER INTERNATIONAL INC COM * COMMON STOCK     071813109       39      591 SH       OTHER                   591        0        0
BAY BANCSHARES INC COM         COMMON STOCK     07203N109       86     6485 SH       DEFINED                6485        0        0
BECTON DICKINSON & CO COM *    COMMON STOCK     075887109     3845   100350 SH       DEFINED               94350        0     6000
BECTON DICKINSON & CO COM *    COMMON STOCK     075887109      596    15550 SH       OTHER                 15550        0        0
BELL ATLANTIC CORP COM *       COMMON STOCK     077853109     5326   103044 SH       DEFINED              101386        0     1658
BELL ATLANTIC CORP COM *       COMMON STOCK     077853109     1252    24228 SH       OTHER                 22876        0     1352
BELLSOUTH CORP COM *           COMMON STOCK     079860102     5472   136594 SH       DEFINED              135726        0      868
BELLSOUTH CORP COM *           COMMON STOCK     079860102     1431    35723 SH       OTHER                 34995      728        0
BELLWETHER EXPLORATION CO COM  COMMON STOCK     079895207       13     3625 SH       DEFINED                3000        0      625
BELO A. H. CORP CLASS A        COMMON STOCK     080555105     1922   105326 SH       DEFINED              104526        0      800
BEMIS INC COM*                 COMMON STOCK     081437105      455    14635 SH       DEFINED               14635        0        0
BEMIS INC COM*                 COMMON STOCK     081437105      186     6000 SH       OTHER                     0     6000        0
BENTON OIL & GAS CO COM        COMMON STOCK     083288100        4     1000 SH       OTHER                     0        0     1000
BERGEN BRUNSWIG CORP CLASS A * COMMON STOCK     083739102     1473    73668 SH       DEFINED               70844     2824        0
BERGEN BRUNSWIG CORP CLASS A * COMMON STOCK     083739102      523    26160 SH       OTHER                 26160        0        0
BERKLEY W. R. CORP COM         COMMON STOCK     084423102        7      302 SH       DEFINED                 302        0        0
BERKSHIRE HATHAWAY INC CLASS B COMMON STOCK     084670207     2264      963 SH       DEFINED                 927        0       36
BERKSHIRE HATHAWAY INC CLASS B COMMON STOCK     084670207      477      203 SH       OTHER                   203        0        0
BERKSHIRE HATHAWAY INC DEL CL  COMMON STOCK     084670108      214        3 SH       DEFINED                   1        0        2
BERKSHIRE REALTY INC COM       COMMON STOCK     084710102        4      400 SH       DEFINED                 400        0        0
BEST BUY COMPANY INC COM       COMMON STOCK     086516101       21      400 SH       OTHER                     0        0      400
BESTFOODS COM *                COMMON STOCK     08658U101      989    21051 SH       DEFINED               21051        0        0
BESTFOODS COM *                COMMON STOCK     08658U101       75     1600 SH       OTHER                   300        0     1300
BIOGEN INC COM                 COMMON STOCK     090597105       34      300 SH       DEFINED                 300        0        0
BIOMATRIX INC COM              COMMON STOCK     09060P102       39      500 SH       DEFINED                   0        0      500
BIOMET INC COM                 COMMON STOCK     090613100       42     1000 SH       DEFINED                   0        0     1000
BIOMET INC COM                 COMMON STOCK     090613100        4      100 SH       OTHER                   100        0        0
BLACK HILLS CORP COM           COMMON STOCK     092113109       19      900 SH       DEFINED                 900        0        0
BLOCK H & R INC COM            COMMON STOCK     093671105      180     3800 SH       DEFINED                3000        0      800
BMC SOFTWARE INC COM           COMMON STOCK     055921100        7      200 SH       DEFINED                 200        0        0
BOEING CO COM *                COMMON STOCK     097023105      642    18881 SH       DEFINED               17781        0     1100
BOEING CO COM *                COMMON STOCK     097023105       80     2342 SH       OTHER                  2342        0        0
BOISE CASCADE CORP COM         COMMON STOCK     097383103       32      991 SH       DEFINED                 991        0        0
BOK FINANCIAL CORP COM         COMMON STOCK     05561Q201       27     1030 SH       DEFINED                1030        0        0
BORDERS GROUP INC COM          COMMON STOCK     099709107       32     2255 SH       DEFINED                 755        0     1500
BOYKIN LODGING CO COM          COMMON STOCK     103430104       13     1100 SH       DEFINED                1100        0        0
BRADLEY REAL ESTATE INC        COMMON STOCK     104580105      206    11500 SH       DEFINED               11500        0        0
BRE PROPERTIES INC CLASS A     COMMON STOCK     05564E106       11      500 SH       DEFINED                 500        0        0
BRIGGS & STRATTON CORP COM WIS COMMON STOCK     109043109      123     2500 SH       DEFINED                2500        0        0
BRISTOL-MYERS SQUIBB CO COM *  COMMON STOCK     110122108     5838    91040 SH       DEFINED               88140        0     2900
BRISTOL-MYERS SQUIBB CO COM *  COMMON STOCK     110122108      918    14320 SH       OTHER                 13520      400      400
BROADVISION INC COM            COMMON STOCK     111412102       30      500 SH       DEFINED                   0        0      500
BROWN GROUP INC COM            COMMON STOCK     115657108      119     9000 SH       OTHER                  9000        0        0
BROWN TOM INC COM NEW          COMMON STOCK     115660201       10      800 SH       DEFINED                 800        0        0
BROWN-FORMAN CORP CLASS B      COMMON STOCK     115637209       14      250 SH       DEFINED                 250        0        0
BROWNING-FERRIS INDUSTRIES INC COMMON STOCK     115885105       12      300 SH       OTHER                     0        0      300
BUILDING MATERIALS HOLDING COR COMMON STOCK     120113105      235    23200 SH       DEFINED               23200        0        0
BURLINGTON INDUSTRIES INC NEW  COMMON STOCK     121693105        5      800 SH       DEFINED                 800        0        0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK     12189T104      172     5232 SH       DEFINED                5232        0        0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK     12189T104      582    17709 SH       OTHER                 15709     2000        0
BURLINGTON RESOURCES INC COM   COMMON STOCK     122014103      740    18539 SH       DEFINED               18539        0        0
BURLINGTON RESOURCES INC COM   COMMON STOCK     122014103       88     2191 SH       OTHER                     0      871     1320
CABLETRON SYSTEMS INC COM      COMMON STOCK     126920107       73     8950 SH       DEFINED                8950        0        0
CAL FED BANCORP INC COM        COMMON STOCK     130209703        1       70 SH       DEFINED                  70        0        0
CALIFORNIA FED BANK-GOODWILL C COMMON STOCK     130209604        1       70 SH       DEFINED                  70        0        0
CALLAWAY GOLF CO COM*          COMMON STOCK     131193104       54     5290 SH       DEFINED                5290        0        0
CAMDEN PROPERTY TRUST SBI      COMMON STOCK     133131102      396    16000 SH       DEFINED               16000        0        0
CAMPBELL SOUP CO COM *         COMMON STOCK     134429109      576    14150 SH       DEFINED               14150        0        0
CAMPBELL SOUP CO COM *         COMMON STOCK     134429109      186     4576 SH       OTHER                  2800     1776        0
CAPITAL AUTOMOTIVE REIT        COMMON STOCK     139733109    11597   932456 SH       DEFINED              888124        0    44332
CAPITAL AUTOMOTIVE REIT        COMMON STOCK     139733109       86     6913 SH       OTHER                  6913        0        0
CAPSTAR BROADCASTING CORP CLAS COMMON STOCK     14067G105       10      448 SH       DEFINED                   0        0      448
CARDINAL HEALTH INC COM        COMMON STOCK     14149Y108      132     1994 SH       DEFINED                   0        0     1994
CAREY DIVERSIFIED LLC COM      COMMON STOCK     14174P105       18     1000 SH       DEFINED                1000        0        0
CAREY INTERNATIONAL INC COM    COMMON STOCK     141750109      112     6900 SH       DEFINED                6900        0        0
CARNIVAL CORPORATION COM*      COMMON STOCK     143658102     3445    70948 SH       DEFINED               68948     2000        0
CARNIVAL CORPORATION COM*      COMMON STOCK     143658102     1759    36220 SH       OTHER                 36220        0        0
CAROLINA POWER & LIGHT CO COM  COMMON STOCK     144141108       98     2600 SH       DEFINED                2600        0        0
CARRIAGE SERVICES INC CLASS A  COMMON STOCK     143905107      130     8566 SH       DEFINED                8566        0        0
CASCADE NATURAL GAS CORP COM   COMMON STOCK     147339105        0       10 SH       OTHER                    10        0        0
CASE CORP COM                  COMMON STOCK     14743R103       30     1200 SH       DEFINED                1200        0        0
CASH AMERICA INTERNATIONAL INC COMMON STOCK     14754D100     1000    77670 SH       OTHER                 77670        0        0
CASTLE & COOKE INC NEW COM     COMMON STOCK     148433105        2      133 SH       DEFINED                 133        0        0
CATELLUS DEVELOPMENT CORP COM  COMMON STOCK     149111106      222    16600 SH       DEFINED               16600        0        0
CATERPILLAR INC COM *          COMMON STOCK     149123101       34      750 SH       DEFINED                 750        0        0
CATERPILLAR INC COM *          COMMON STOCK     149123101      200     4352 SH       OTHER                  2400     1852      100
CBRL GROUP INC COM *           COMMON STOCK     12489V106        3      150 SH       DEFINED                 150        0        0
CBS CORP COM                   COMMON STOCK     12490K107     1143    28000 SH       DEFINED               28000        0        0
CBS CORP COM                   COMMON STOCK     12490K107      106     2600 SH       OTHER                  2400        0      200
CCC INFORMATION SERVICES GROUP COMMON STOCK     12487Q109      241    20700 SH       DEFINED               20700        0        0
CEC ENTERTAINMENT INC COM      COMMON STOCK     125137109      542    15100 SH       DEFINED               15100        0        0
CELADON GROUP INC COM          COMMON STOCK     150838100       49     6000 SH       DEFINED                6000        0        0
CENDANT CORP COM               COMMON STOCK     151313103      728    45650 SH       DEFINED               45350        0      300
CENDANT CORP COM               COMMON STOCK     151313103        8      500 SH       OTHER                   500        0        0
CENTRAL & SOUTH WEST CORP COM  COMMON STOCK     152357109     1130    48234 SH       DEFINED               48234        0        0
CENTRAL & SOUTH WEST CORP COM  COMMON STOCK     152357109      150     6418 SH       OTHER                  6418        0        0
CENTRAL GARDEN & PET CO COM    COMMON STOCK     153527106      456    27000 SH       DEFINED               27000        0        0
CENTURY TELEPHONE ENTERPRISES  COMMON STOCK     156686107       32      450 SH       DEFINED                 450        0        0
CERUS CORP COM                 COMMON STOCK     157085101        2      100 SH       DEFINED                 100        0        0
CHAMPION ENTERPRISES INC COM   COMMON STOCK     158496109        6      300 SH       DEFINED                 300        0        0
CHANCELLOR MEDIA CORP COM      COMMON STOCK     158915108       14      300 SH       DEFINED                 300        0        0
CHARTER MUNICIPAL MORTGAGE ACC COMMON STOCK     160908109        9      675 SH       DEFINED                 675        0        0
CHARTER MUNICIPAL MORTGAGE ACC COMMON STOCK     160908109        9      676 SH       OTHER                   676        0        0
CHASE MANHATTAN CORP NEW COM * COMMON STOCK     16161A108     3586    44073 SH       DEFINED               43973      100        0
CHASE MANHATTAN CORP NEW COM * COMMON STOCK     16161A108      340     4179 SH       OTHER                  2579     1600        0
CHECKPOINT SYSTEMS INC COM     COMMON STOCK     162825103        4      500 SH       DEFINED                 500        0        0
CHELSEA GCA REALTY INC COM     COMMON STOCK     163262108       17      600 SH       DEFINED                 500        0      100
CHEVRON CORP COM *             COMMON STOCK     166751107    12443   140198 SH       DEFINED              137723        0     2475
CHEVRON CORP COM *             COMMON STOCK     166751107     1758    19810 SH       OTHER                 14764     4846      200
CHIQUITA BRANDS INTL INC COM   COMMON STOCK     170032106    15756  1546584 SH       DEFINED             1460490        0    86094
CHIQUITA BRANDS INTL INC COM   COMMON STOCK     170032106      138    13587 SH       OTHER                 13587        0        0
CHUBB CORP COM                 COMMON STOCK     171232101       12      200 SH       DEFINED                   0        0      200
CIENA CORP COM                 COMMON STOCK     171779101       23     1000 SH       DEFINED                   0        0     1000
CIGNA CORP COM                 COMMON STOCK     125509109      655     7814 SH       DEFINED                7814        0        0
CINCINNATI FINANCIAL CORP COM  COMMON STOCK     172062101       24      660 SH       DEFINED                 660        0        0
CIRCUIT CITY GROUP             COMMON STOCK     172737108      690     9000 SH       DEFINED                9000        0        0
CISCO SYSTEM INC COM *         COMMON STOCK     17275R102     4227    38580 SH       DEFINED               37180        0     1400
CISCO SYSTEM INC COM *         COMMON STOCK     17275R102      342     3120 SH       OTHER                  2670      450        0
CIT GROUP INC CLASS A          COMMON STOCK     125577106     2121    69400 SH       DEFINED               67900        0     1500
CITIGROUP INC COM *            COMMON STOCK     172967101    31607   494824 SH       DEFINED              484679     1820     8325
CITIGROUP INC COM *            COMMON STOCK     172967101     3082    48252 SH       OTHER                 44502     3750        0
CITIZENS UTILITIES CO DEL COM  COMMON STOCK     177342201       10     1292 SH       DEFINED                1292        0        0
CLAYTON HOMES INC COM *        COMMON STOCK     184190106     1218   110141 SH       DEFINED              109061        0     1080
CLAYTON HOMES INC COM *        COMMON STOCK     184190106      169    15255 SH       OTHER                 15255        0        0
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK     184502102      689    10280 SH       DEFINED               10280        0        0
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK     184502102    10285   153368 SH       OTHER                153368        0        0
CLECO CORP                     COMMON STOCK     12561M107       22      742 SH       DEFINED                 742        0        0
CLECO CORP                     COMMON STOCK     12561M107       25      860 SH       OTHER                   860        0        0
CLOROX CO COM *                COMMON STOCK     189054109      976     8329 SH       DEFINED                8029        0      300
CLOROX CO COM *                COMMON STOCK     189054109      891     7600 SH       OTHER                  4800      400     2400
CMGI INC COM                   COMMON STOCK     125750109       18      100 SH       DEFINED                 100        0        0
CMGI INC COM                   COMMON STOCK     125750109       42      230 SH       OTHER                   230        0        0
CNA SURETY CORP COM            COMMON STOCK     12612L108      262    21200 SH       DEFINED               21200        0        0
CNET INC COM                   COMMON STOCK     125945105       92     1000 SH       DEFINED                   0        0     1000
COASTAL BANCORP INC TEX        COMMON STOCK     19041P105       83     5000 SH       DEFINED                5000        0        0
COASTAL CORP COM *             COMMON STOCK     190441105     3642   110355 SH       DEFINED              110355        0        0
COASTAL CORP COM *             COMMON STOCK     190441105     1792    54302 SH       OTHER                 54302        0        0
COCA COLA CO COM *             COMMON STOCK     191216100     9813   159893 SH       DEFINED              158743        0     1150
COCA COLA CO COM *             COMMON STOCK     191216100     1945    31695 SH       OTHER                 25495     2200     4000
COLGATE-PALMOLIVE CO COM *     COMMON STOCK     194162103    16408   178348 SH       DEFINED              174188        0     4160
COLGATE-PALMOLIVE CO COM *     COMMON STOCK     194162103      665     7225 SH       OTHER                  7225        0        0
COLONIAL PROPERTIES TRUST      COMMON STOCK     195872106       13      500 SH       DEFINED                 500        0        0
COLTEC INDUSTRIES INC COM      COMMON STOCK     196879100      559    30750 SH       DEFINED               30750        0        0
COLUMBIA/HCA HEALTHCARE CORP C COMMON STOCK     197677107       63     3334 SH       DEFINED                 280        0     3054
COLUMBIA/HCA HEALTHCARE CORP C COMMON STOCK     197677107        8      400 SH       OTHER                   400        0        0
COMCAST CORP CLASS A SPECIAL   COMMON STOCK     200300200        6      100 SH       DEFINED                 100        0        0
COMERICA INC COM *             COMMON STOCK     200340107      579     9270 SH       DEFINED                9270        0        0
COMMERCE GROUP INC MASS COM    COMMON STOCK     200641108       98     4000 SH       DEFINED                4000        0        0
COMPAQ COMPUTER CORP COM *     COMMON STOCK     204493100    19275   608295 SH       DEFINED              594113     2900    11282
COMPAQ COMPUTER CORP COM *     COMMON STOCK     204493100     1086    34275 SH       OTHER                 33775        0      500
COMPASS BANCSHARES INC COM     COMMON STOCK     20449H109     1066    30900 SH       DEFINED               30500        0      400
COMPUTER ASSOC INTERNATIONAL I COMMON STOCK     204912109        4      125 SH       DEFINED                 125        0        0
COMPUTER SCIENCES CORP COM *   COMMON STOCK     205363104    13224   239621 SH       DEFINED              235761      150     3710
COMPUTER SCIENCES CORP COM *   COMMON STOCK     205363104      624    11314 SH       OTHER                 11314        0        0
COMPUWARE CORP COM             COMMON STOCK     205638109       36     1500 SH       DEFINED                   0        0     1500
COMSAT CORP COM SER 1          COMMON STOCK     20564D107       14      500 SH       DEFINED                 500        0        0
CONAGRA INC COM                COMMON STOCK     205887102      435    16965 SH       DEFINED               16965        0        0
CONAGRA INC COM                COMMON STOCK     205887102      192     7500 SH       OTHER                  7500        0        0
CONECTIV INC COM               COMMON STOCK     206829103       15      750 SH       OTHER                     0      750        0
CONSECO INC COM *              COMMON STOCK     208464107    27860   902344 SH       DEFINED              851122      600    50622
CONSECO INC COM *              COMMON STOCK     208464107      319    10339 SH       OTHER                 10339        0        0
CONSOLIDATED EDISON INC COM    COMMON STOCK     209115104       50     1100 SH       DEFINED                1000        0      100
CONSOLIDATED NATURAL GAS CORP  COMMON STOCK     209615103      456     9374 SH       DEFINED                9374        0        0
CONSOLIDATED NATURAL GAS CORP  COMMON STOCK     209615103      175     3600 SH       OTHER                  3400      200        0
CONSOLIDATED STORES CORP COM*  COMMON STOCK     210149100       91     3000 SH       DEFINED                3000        0        0
CONVERGYS CORP COM             COMMON STOCK     212485106      375    21900 SH       DEFINED               21900        0        0
CORDANT TECHNOLOGIES INC COM   COMMON STOCK     218412104       96     2400 SH       OTHER                  2000      400        0
CORN PRODUCTS INTERNATIONAL IN COMMON STOCK     219023108        6      271 SH       DEFINED                 271        0        0
CORN PRODUCTS INTERNATIONAL IN COMMON STOCK     219023108        4      162 SH       OTHER                     0        0      162
CORNING INC COM                COMMON STOCK     219350105     2604    43400 SH       DEFINED               43400        0        0
COST PLUS INC CALIF COM        COMMON STOCK     221485105      679    23100 SH       DEFINED               23100        0        0
COSTCO COMPANIES INC COM       COMMON STOCK     22160Q102       37      400 SH       DEFINED                 100        0      300
COUNTRYWIDE CREDIT INDS INC CO COMMON STOCK     222372104       11      300 SH       DEFINED                   0        0      300
COVANCE INC COM                COMMON STOCK     222816100     1444    57600 SH       DEFINED               57000        0      600
COX COMMUNICATIONS INC CLASS A COMMON STOCK     224044107       14      184 SH       OTHER                     0        0      184
CRANE CO COM *                 COMMON STOCK     224399105     1150    47541 SH       DEFINED               45591     1950        0
CRANE CO COM *                 COMMON STOCK     224399105      514    21230 SH       OTHER                 21230        0        0
CRESCENT OPERATING INC COM     COMMON STOCK     22575M100        3      780 SH       DEFINED                 780        0        0
CRESCENT REAL EST EQTY TRUST   COMMON STOCK     225756105      531    24700 SH       DEFINED               22800        0     1900
CRESCENT REAL EST EQTY TRUST   COMMON STOCK     225756105       26     1200 SH       OTHER                     0        0     1200
CROSS TIMBERS OIL CO COM       COMMON STOCK     227573102      287    40620 SH       DEFINED               40620        0        0
CROSS TIMBERS ROYALTY TRUST    COMMON STOCK     22757R109       91    10000 SH       DEFINED               10000        0        0
CROWN CORK & SEAL INC COM *    COMMON STOCK     228255105      157     5500 SH       DEFINED                5500        0        0
CROWN CORK & SEAL INC COM *    COMMON STOCK     228255105       17      600 SH       OTHER                   600        0        0
CSX CORP COM *                 COMMON STOCK     126408103      268     6880 SH       DEFINED                6880        0        0
CSX CORP COM *                 COMMON STOCK     126408103       16      400 SH       OTHER                   400        0        0
CULLEN/FROST BANKERS INC COM   COMMON STOCK     229899109    14567   303865 SH       DEFINED              252417    31844    19604
CULLEN/FROST BANKERS INC COM   COMMON STOCK     229899109     1321    27550 SH       OTHER                 20318     7232        0
CUMMINS ENGINE COMPANY INC COM COMMON STOCK     231021106       25      714 SH       DEFINED                 714        0        0
CVS CORP COM                   COMMON STOCK     126650100      194     4090 SH       DEFINED                4090        0        0
CYPRESS SEMICONDUCTOR CORP COM COMMON STOCK     232806109        1      100 SH       DEFINED                 100        0        0
CYTEC INDUSTRIES INC COM       COMMON STOCK     232820100        0       21 SH       DEFINED                  21        0        0
CYTEC INDUSTRIES INC COM       COMMON STOCK     232820100       33     1500 SH       OTHER                  1500        0        0
D R HORTON INC                 COMMON STOCK     23331A109        8      450 SH       DEFINED                 450        0        0
DARDEN RESTAURANTS INC COM     COMMON STOCK     237194105       59     2866 SH       DEFINED                2866        0        0
DARDEN RESTAURANTS INC COM     COMMON STOCK     237194105       70     3400 SH       OTHER                     0     3200      200
DAYTON HUDSON CORP COM *       COMMON STOCK     239753106    13381   200835 SH       DEFINED              196465        0     4370
DAYTON HUDSON CORP COM *       COMMON STOCK     239753106      643     9656 SH       OTHER                  9356        0      300
DEAN FOODS CO COM              COMMON STOCK     242361103      143     4000 SH       DEFINED                4000        0        0
DEERE & CO COM *               COMMON STOCK     244199105      148     3830 SH       DEFINED                3830        0        0
DEERE & CO COM *               COMMON STOCK     244199105       58     1500 SH       OTHER                   500        0     1000
DEL MONTE FOODS INC            COMMON STOCK     24522P103        3      200 SH       DEFINED                 200        0        0
DELL COMPUTER CORP COM*        COMMON STOCK     247025109     2096    51290 SH       DEFINED               49970        0     1320
DELL COMPUTER CORP COM*        COMMON STOCK     247025109       52     1280 SH       OTHER                   660        0      620
DELPHI AUTOMOTIVE SYSTEMS CORP COMMON STOCK     247126105        5      300 SH       OTHER                   300        0        0
DELTA AIR LINES INC DELAWARE C COMMON STOCK     247361108      181     2600 SH       DEFINED                2600        0        0
DELUXE CORP COM                COMMON STOCK     248019101      175     6000 SH       DEFINED                6000        0        0
DELUXE CORP COM                COMMON STOCK     248019101       23      800 SH       OTHER                     0      800        0
DIAMOND OFFSHORE DRILLING INC  COMMON STOCK     25271C102       16      500 SH       DEFINED                 500        0        0
DIEBOLD INC COM *              COMMON STOCK     253651103     1695    70620 SH       DEFINED               69245      600      775
DIEBOLD INC COM *              COMMON STOCK     253651103       28     1175 SH       OTHER                  1175        0        0
DII GROUP INC COM              COMMON STOCK     232949107        7      238 SH       DEFINED                 238        0        0
DILLARDS INC CLASS A           COMMON STOCK     254067101     3583   141184 SH       DEFINED              134196        0     6988
DILLARDS INC CLASS A           COMMON STOCK     254067101       26     1012 SH       OTHER                  1012        0        0
DISNEY WALT CO COM *           COMMON STOCK     254687106     4907   157651 SH       DEFINED              157551        0      100
DISNEY WALT CO COM *           COMMON STOCK     254687106     1083    34811 SH       OTHER                 23317     6294     5200
DOLLAR GENERAL CORP COM        COMMON STOCK     256669102        3      100 SH       DEFINED                 100        0        0
DOMINION RESOURCES INC COM     COMMON STOCK     257470104      390    10550 SH       DEFINED               10550        0        0
DOUBLECLICK INC                COMMON STOCK     258609304       46      250 SH       DEFINED                   0        0      250
DOVER CORP COM *               COMMON STOCK     260003108      860    26145 SH       DEFINED               26145        0        0
DOVER CORP COM *               COMMON STOCK     260003108       13      400 SH       OTHER                   400        0        0
DOW CHEMICAL CO COM *          COMMON STOCK     260543103      288     3086 SH       DEFINED                3086        0        0
DOW CHEMICAL CO COM *          COMMON STOCK     260543103      110     1178 SH       OTHER                   878      300        0
DRIL-QUIP INC COM              COMMON STOCK     262037104       33     1500 SH       DEFINED                1500        0        0
DRYPERS CORPORATION COM        COMMON STOCK     262497308        8     3500 SH       DEFINED                3500        0        0
DTE ENERGY COMPANY COM         COMMON STOCK     233331107        9      225 SH       DEFINED                 225        0        0
DTE ENERGY COMPANY COM         COMMON STOCK     233331107       53     1391 SH       OTHER                  1391        0        0
DU PONT E I DE NEMOURS & CO CO COMMON STOCK     263534109     6692   115256 SH       DEFINED              114456        0      800
DU PONT E I DE NEMOURS & CO CO COMMON STOCK     263534109     1444    24862 SH       OTHER                 18862     6000        0
DUKE ENERGY CORP *             COMMON STOCK     264399106     7684   140185 SH       DEFINED              140175        0       10
DUKE ENERGY CORP *             COMMON STOCK     264399106      269     4915 SH       OTHER                  4915        0        0
DUKE REALTY INVESTMENTS INC    COMMON STOCK     264411505      280    13000 SH       DEFINED               13000        0        0
DUN & BRADSTREET CORP DEL NEW  COMMON STOCK     26483B106       19      534 SH       DEFINED                 534        0        0
E M C CORP MASSACHUSETTS COM * COMMON STOCK     268648102    10415    81526 SH       DEFINED               81156      200      170
E M C CORP MASSACHUSETTS COM * COMMON STOCK     268648102      881     6900 SH       OTHER                  6400      400      100
E.W. BLANCH HOLDINGS INC COM   COMMON STOCK     093210102       74     1400 SH       DEFINED                1400        0        0
E*TRADE GROUP INC COM          COMMON STOCK     269246104        3       50 SH       DEFINED                  50        0        0
EARTHGRAINS COMPANY COM        COMMON STOCK     270319106      125     5640 SH       DEFINED                5640        0        0
EASTERN UTILITIES ASSOCIATES   COMMON STOCK     277173100       17      600 SH       DEFINED                 600        0        0
EASTGROUP PROPERTIES INC       COMMON STOCK     277276101      185    11500 SH       DEFINED               11500        0        0
EASTMAN CHEMICAL CO COM        COMMON STOCK     277432100        2       37 SH       DEFINED                  37        0        0
EASTMAN CHEMICAL CO COM        COMMON STOCK     277432100       44     1056 SH       OTHER                  1056        0        0
EASTMAN KODAK CO COM *         COMMON STOCK     277461109     4041    63265 SH       DEFINED               62540      200      525
EASTMAN KODAK CO COM *         COMMON STOCK     277461109      171     2675 SH       OTHER                  2675        0        0
EATON CORP COM *               COMMON STOCK     278058102      256     3574 SH       DEFINED                3574        0        0
EDISON INTERNATIONAL COM*      COMMON STOCK     281020107      173     7758 SH       DEFINED                7758        0        0
EDWARDS A G INC COM *          COMMON STOCK     281760108      312     9545 SH       DEFINED                9545        0        0
EDWARDS A G INC COM *          COMMON STOCK     281760108       43     1324 SH       OTHER                  1324        0        0
EEX CORP NEW COM               COMMON STOCK     26842V207        1      124 SH       OTHER                     0        0      124
EL PASO ENERGY CORP DEL COM *  COMMON STOCK     283905107     3481   106504 SH       DEFINED              105626        0      878
EL PASO ENERGY CORP DEL COM *  COMMON STOCK     283905107      283     8662 SH       OTHER                  8246      416        0
ELECTRIC FUEL CORP COM         COMMON STOCK     284871100       35    13000 SH       DEFINED               13000        0        0
ELECTRONIC DATA SYSTEMS CORP C COMMON STOCK     285661104       19      398 SH       DEFINED                 398        0        0
ELECTRONIC DATA SYSTEMS CORP C COMMON STOCK     285661104       49     1000 SH       OTHER                  1000        0        0
ELI LILLY & CO COM *           COMMON STOCK     532457108     6206    73120 SH       DEFINED               72700        0      420
ELI LILLY & CO COM *           COMMON STOCK     532457108     1047    12330 SH       OTHER                 10730     1600        0
EMERSON ELECTRIC CO COM *      COMMON STOCK     291011104     8056   152179 SH       DEFINED              147619     1000     3560
EMERSON ELECTRIC CO COM *      COMMON STOCK     291011104     2053    38773 SH       OTHER                 33773     1000     4000
ENCAD INC COM                  COMMON STOCK     292503109       43     8000 SH       OTHER                  8000        0        0
ENCORE MEDICAL CORP            COMMON STOCK     29256E109       16     5000 SH       DEFINED                   0        0     5000
ENERGY EAST CORP COM           COMMON STOCK     29266M109       24      456 SH       DEFINED                 456        0        0
ENESCO GROUP INC COM           COMMON STOCK     292973104       90     5000 SH       DEFINED                5000        0        0
ENRON CORP COM *               COMMON STOCK     293561106    11200   174318 SH       DEFINED              168628      890     4800
ENRON CORP COM *               COMMON STOCK     293561106     1627    25326 SH       OTHER                 24326        0     1000
ENRON OIL & GAS CO COM         COMMON STOCK     293562104        2      100 SH       OTHER                     0        0      100
ENSCO INTERNATIONAL INC COM    COMMON STOCK     26874Q100       60     4500 SH       DEFINED                2000        0     2500
ENTERCOM COMMUNICATIONS CORP C COMMON STOCK     293639100        7      200 SH       DEFINED                 200        0        0
ENTERGY CORP NEW COM           COMMON STOCK     29364G103      260     9456 SH       DEFINED                9456        0        0
ENTERGY CORP NEW COM           COMMON STOCK     29364G103       41     1500 SH       OTHER                  1500        0        0
ENTERTAINMENT PROPERTIES TRUST COMMON STOCK     29380T105       17     1000 SH       DEFINED                1000        0        0
ENZO BIOCHEM INC COM           COMMON STOCK     294100102      133    14142 SH       DEFINED               14142        0        0
EPITOPE INC COM                COMMON STOCK     294261102        2      300 SH       OTHER                   300        0        0
EQUIFAX INC COM *              COMMON STOCK     294429105      246     7150 SH       DEFINED                7150        0        0
EQUIFAX INC COM *              COMMON STOCK     294429105       83     2400 SH       OTHER                  2400        0        0
EQUITABLE COS INC COM          COMMON STOCK     29444G107        2       32 SH       DEFINED                  32        0        0
ESCO ELECTRONICS CORP TRUST RE COMMON STOCK     269030201       11     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       15      500 SH       OTHER                     0      500        0
ETHAN ALLEN INTERIORS INC COM  COMMON STOCK     297602104      515    12400 SH       DEFINED               12400        0        0
EXCITE INC COM                 COMMON STOCK     300904109       42      300 SH       DEFINED                 300        0        0
EXODUS COMMUNICATIONS INC      COMMON STOCK     302088109       67      500 SH       DEFINED                 250        0      250
EXXON CORP COM *               COMMON STOCK     302290101    25850   366337 SH       DEFINED              359057        0     7280
EXXON CORP COM *               COMMON STOCK     302290101     7570   107283 SH       OTHER                 98015     6868     2400
F N B CORP PA COM              COMMON STOCK     302520101      384    16715 SH       DEFINED               16715        0        0
FANNIE MAE *                   COMMON STOCK     313586109    46109   665827 SH       DEFINED              633291        0    32536
FANNIE MAE *                   COMMON STOCK     313586109     1763    25452 SH       OTHER                 24728      724        0
FDX CORP COM                   COMMON STOCK     31304N107        9      100 SH       DEFINED                 100        0        0
FEDERAL REALTY INVESTMENT TRUS COMMON STOCK     313747206       21     1000 SH       DEFINED                1000        0        0
FEDERATED INVESTORS INC        COMMON STOCK     314211103       13      700 SH       DEFINED                   0        0      700
FEI COMPANY COM                COMMON STOCK     30241L109      128    15300 SH       DEFINED               15300        0        0
FELCOR LODGING TRUST INC       COMMON STOCK     31430F101       12      500 SH       DEFINED                 500        0        0
FIDELITY NATIONAL FINANCIAL IN COMMON STOCK     316326107        2      137 SH       DEFINED                 137        0        0
FINANCIAL SEC ASSURANCE HOLDIN COMMON STOCK     31769P100      276     5560 SH       DEFINED                5560        0        0
FINISH LINE INC CLASS A        COMMON STOCK     317923100      426    33100 SH       DEFINED               33100        0        0
FIRST AMERICAN CORP TENNESSEE  COMMON STOCK     318900107      173     4680 SH       DEFINED                   0        0     4680
FIRST AMERICAN CORP TENNESSEE  COMMON STOCK     318900107       97     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     1468    34350 SH       DEFINED               34125        0      225
FIRST DATA CORP COM *          COMMON STOCK     319963104      167     3900 SH       OTHER                  3900        0        0
FIRST FED FINL CORP OF KENTUCK COMMON STOCK     319961108       64     2700 SH       DEFINED                2700        0        0
FIRST FEDERAL BANCSHARES ARK I COMMON STOCK     32020F105        8      500 SH       OTHER                   500        0        0
FIRST FINANCIAL BANKSHARES INC COMMON STOCK     32020R109       36     1101 SH       DEFINED                   0     1101        0
FIRST SIERRA FINANCIAL INC COM COMMON STOCK     335944104        2      200 SH       DEFINED                 200        0        0
FIRST UNION CORP COM *         COMMON STOCK     337358105     4173    78100 SH       DEFINED               78000        0      100
FIRST UNION CORP COM *         COMMON STOCK     337358105      197     3679 SH       OTHER                  3679        0        0
FIRST UNION REAL ESTATE EQUITY COMMON STOCK     337400105       22     5096 SH       DEFINED                5096        0        0
FIRST UNITED BANCSHARES/ARK CO COMMON STOCK     33741E104        8      600 SH       DEFINED                   0        0      600
FIRSTAR CORP NEW WIS COM       COMMON STOCK     33763V109      403     4500 SH       DEFINED                4500        0        0
FIRSTAR CORP NEW WIS COM       COMMON STOCK     33763V109       81      900 SH       OTHER                   900        0        0
FIRSTENERGY CORP COM           COMMON STOCK     337932107      446    15944 SH       DEFINED               15944        0        0
FIRSTENERGY CORP COM           COMMON STOCK     337932107       15      532 SH       OTHER                   532        0        0
FIRSTFED AMERICA BANCORP INC C COMMON STOCK     337929103        7      590 SH       DEFINED                 590        0        0
FISERV INC COM *               COMMON STOCK     337738108     2326    43370 SH       DEFINED               43370        0        0
FISERV INC COM *               COMMON STOCK     337738108       51      950 SH       OTHER                   950        0        0
FLEET FINANCIAL GROUP INC COM  COMMON STOCK     338915101     7024   186692 SH       DEFINED              183380        0     3312
FLEET FINANCIAL GROUP INC COM  COMMON STOCK     338915101      244     6492 SH       OTHER                  6440        0       52
FLORIDA PROGRESS CORP COM      COMMON STOCK     341109106       30      800 SH       DEFINED                 800        0        0
FLOWERS INDUSTRIES INC COM*    COMMON STOCK     343496105     8196   332830 SH       DEFINED              321825        0    11005
FLOWERS INDUSTRIES INC COM*    COMMON STOCK     343496105      268    10879 SH       OTHER                 10879        0        0
FMC CORP COM NEW               COMMON STOCK     302491303      368     7455 SH       DEFINED                7455        0        0
FONAR CORP COM                 COMMON STOCK     344437108        0       96 SH       DEFINED                  96        0        0
FOOD LION INC CLASS B          COMMON STOCK     344775101       23     2598 SH       DEFINED                2598        0        0
FOODMAKER INC COM              COMMON STOCK     344839204      510    20000 SH       DEFINED               20000        0        0
FORD MOTOR CO DELAWARE COM *   COMMON STOCK     345370100     3476    61323 SH       DEFINED               59814      100     1409
FORD MOTOR CO DELAWARE COM *   COMMON STOCK     345370100       40      700 SH       OTHER                   700        0        0
FOREST OIL CORP COM            COMMON STOCK     346091606        6      810 SH       DEFINED                 810        0        0
FORT JAMES CORP COM            COMMON STOCK     347471104      267     8420 SH       DEFINED                8420        0        0
FORTUNE BRANDS INC COM *       COMMON STOCK     349631101     1976    51326 SH       DEFINED               51326        0        0
FORTUNE BRANDS INC COM *       COMMON STOCK     349631101      436    11320 SH       OTHER                 11320        0        0
FPL GROUP INC COM *            COMMON STOCK     302571104     1104    20734 SH       DEFINED               20734        0        0
FPL GROUP INC COM *            COMMON STOCK     302571104       37      700 SH       OTHER                   700        0        0
FREDDIE MAC *                  COMMON STOCK     313400301     2304    40208 SH       DEFINED               39608        0      600
FREDDIE MAC *                  COMMON STOCK     313400301       37      650 SH       OTHER                   650        0        0
FREEPORT-MCMORAN COPPER & GOLD COMMON STOCK     35671D857        2      145 SH       DEFINED                 145        0        0
FRONTIER CORP COM              COMMON STOCK     35906P105       83     1600 SH       DEFINED                1600        0        0
FROZEN FOOD EXPRESS INDUSTRIES COMMON STOCK     359360104       19     3000 SH       DEFINED                   0     3000        0
FRUIT OF THE LOOM INC CLASS A  COMMON STOCK     G3682L105       11     1050 SH       DEFINED                1050        0        0
FUND AMERN ENTERPRISES HLDGS I COMMON STOCK     360768105      669     5030 SH       DEFINED                5030        0        0
FURRS BISHOP'S INC COM         COMMON STOCK     361115504        0      345 SH       DEFINED                 345        0        0
GABLES RESIDENTIAL TRUST       COMMON STOCK     362418105      171     7775 SH       DEFINED                7775        0        0
GANNETT CO COM                 COMMON STOCK     364730101      537     8525 SH       DEFINED                8525        0        0
GAP INC COM *                  COMMON STOCK     364760108     3088    45880 SH       DEFINED               45700      180        0
GAP INC COM *                  COMMON STOCK     364760108      129     1920 SH       OTHER                  1920        0        0
GARDEN RIDGE CORP COM          COMMON STOCK     36541P104       27     4000 SH       DEFINED                4000        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        1      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    48795   441083 SH       DEFINED              432983      580     7520
GENERAL ELECTRIC CO COM *      COMMON STOCK     369604103     7193    65020 SH       OTHER                 48880     7440     8700
GENERAL GROWTH PPTYS INC COM   COMMON STOCK     370021107      188     5800 SH       DEFINED                5800        0        0
GENERAL MILLS INC COM          COMMON STOCK     370334104      648     8581 SH       DEFINED                8581        0        0
GENERAL MILLS INC COM          COMMON STOCK     370334104      383     5071 SH       OTHER                   671     4200      200
GENERAL MOTORS CORP CLASS H NE COMMON STOCK     370442832       15      302 SH       DEFINED                 302        0        0
GENERAL MOTORS CORP CLASS H NE COMMON STOCK     370442832        5       95 SH       OTHER                    95        0        0
GENERAL MOTORS CORP COM        COMMON STOCK     370442105     1329    15272 SH       DEFINED               14722        0      550
GENERAL MOTORS CORP COM        COMMON STOCK     370442105      122     1400 SH       OTHER                  1400        0        0
GENUINE PARTS CO COM           COMMON STOCK     372460105       73     2550 SH       DEFINED                2550        0        0
GENUINE PARTS CO COM           COMMON STOCK     372460105       13      450 SH       OTHER                   450        0        0
GEORGIA PACIFIC TIMBER GROUP C COMMON STOCK     373298702       25     1100 SH       DEFINED                1100        0        0
GEORGIA-PACIFIC CORP COM *     COMMON STOCK     373298108     1687    22725 SH       DEFINED               22725        0        0
GEORGIA-PACIFIC CORP COM *     COMMON STOCK     373298108       46      625 SH       OTHER                   625        0        0
GIANT INDUSTRIES INC COM       COMMON STOCK     374508109       29     3422 SH       DEFINED                3422        0        0
GILLETTE CO COM *              COMMON STOCK     375766102     3770    63425 SH       DEFINED               59885        0     3540
GILLETTE CO COM *              COMMON STOCK     375766102      854    14360 SH       OTHER                 12360        0     2000
GLATFELTER P. H. CO COM        COMMON STOCK     377316104      134    12000 SH       DEFINED               12000        0        0
GLOBAL CROSSING LTD COM        COMMON STOCK     G3921A100       23      500 SH       DEFINED                   0        0      500
GLOBAL CROSSING LTD COM        COMMON STOCK     G3921A100        9      200 SH       OTHER                   200        0        0
GLOBAL DIRECTMAIL CORP COM     COMMON STOCK     379321102      117     7000 SH       DEFINED                7000        0        0
GLOBAL INDUSTRIAL TECHNOLOGIES COMMON STOCK     379335102        1      140 SH       DEFINED                 140        0        0
GLOBAL MARINE INC COM NEW      COMMON STOCK     379352404       26     2200 SH       DEFINED                2200        0        0
GOODYEAR TIRE & RUBBER CO COM  COMMON STOCK     382550101       50     1012 SH       DEFINED                1012        0        0
GORMAN RUPP CO COM             COMMON STOCK     383082104       11      675 SH       OTHER                     0      675        0
GO2NET INC COM                 COMMON STOCK     383486107       66      500 SH       DEFINED                   0        0      500
GPU INC COM *                  COMMON STOCK     36225X100       11      300 SH       DEFINED                 300        0        0
GRACE W R & CO NEW COM         COMMON STOCK     38388F108        2      175 SH       DEFINED                 175        0        0
GRACE W R & CO NEW COM         COMMON STOCK     38388F108       36     2962 SH       OTHER                  2962        0        0
GRANITE CONSTRUCTION INC COM   COMMON STOCK     387328107      707    30250 SH       DEFINED               30250        0        0
GREAT LAKES CHEMICAL CORP COM  COMMON STOCK     390568103      269     7307 SH       DEFINED                7307        0        0
GREAT LAKES CHEMICAL CORP COM  COMMON STOCK     390568103      262     7127 SH       OTHER                  7127        0        0
GROUP MAINTENANCE AMERICA CORP COMMON STOCK     39943E107      459    40311 SH       DEFINED               40311        0        0
GTE CORP COM *                 COMMON STOCK     362320103    12129   200481 SH       DEFINED              195829        0     4652
GTE CORP COM *                 COMMON STOCK     362320103      903    14924 SH       OTHER                 14924        0        0
HALLIBURTON CO COM *           COMMON STOCK     406216101     1332    34603 SH       DEFINED               30962        0     3641
HALLIBURTON CO COM *           COMMON STOCK     406216101      693    18000 SH       OTHER                 13300     3000     1700
HALTER MARINE GROUP INC COM    COMMON STOCK     40642Y105       21     3550 SH       DEFINED                2000        0     1550
HARLEY-DAVIDSON INC COM *      COMMON STOCK     412822108      170     2970 SH       DEFINED                2970        0        0
HARLEY-DAVIDSON INC COM *      COMMON STOCK     412822108       46      800 SH       OTHER                     0        0      800
HARRAH'S ENTERTAINMENT INC COM COMMON STOCK     413619107        4      200 SH       DEFINED                   0        0      200
HARSCO CORP COM                COMMON STOCK     415864107       25     1000 SH       OTHER                  1000        0        0
HARTE-HANKS, INC. COMMON STOCK COMMON STOCK     416196103      178     6500 SH       DEFINED                2000        0     4500
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104     1103    19420 SH       DEFINED               19420        0        0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104      136     2400 SH       OTHER                     0        0     2400
HASBRO INC COM *               COMMON STOCK     418056107     8316   287385 SH       DEFINED              284385     3000        0
HASBRO INC COM *               COMMON STOCK     418056107      313    10833 SH       OTHER                 10833        0        0
HCC INSURANCE HOLDINGS INC COM COMMON STOCK     404132102    15070   782837 SH       DEFINED              732857        0    49980
HCC INSURANCE HOLDINGS INC COM COMMON STOCK     404132102       89     4603 SH       OTHER                  4603        0        0
HEALTHCARE REALTY TRUST INC CO COMMON STOCK     421946104       16      851 SH       DEFINED                 511        0      340
HEALTHSOUTH CORP COM *         COMMON STOCK     421924101     1115   107424 SH       DEFINED              102379     5000       45
HEALTHSOUTH CORP COM *         COMMON STOCK     421924101      228    21946 SH       OTHER                 21946        0        0
HEARST-ARGYLE TELEVISION INC C COMMON STOCK     422317107       21      850 SH       DEFINED                 850        0        0
HEINZ H. J. CO COM*            COMMON STOCK     423074103     1133    23925 SH       DEFINED               22225        0     1700
HEINZ H. J. CO COM*            COMMON STOCK     423074103      235     4950 SH       OTHER                  3750     1200        0
HELEN OF TROY CORP LTD NEW COM COMMON STOCK     G4388N106      343    26500 SH       DEFINED               26500        0        0
HERSHEY FOODS CORP COM *       COMMON STOCK     427866108      401     7150 SH       DEFINED                7150        0        0
HERSHEY FOODS CORP COM *       COMMON STOCK     427866108       90     1600 SH       OTHER                     0        0     1600
HEWLETT PACKARD CO COM (DEL)*  COMMON STOCK     428236103     9358   137996 SH       DEFINED              134546      150     3300
HEWLETT PACKARD CO COM (DEL)*  COMMON STOCK     428236103     1276    18810 SH       OTHER                 18810        0        0
HIBBETT SPORTING GOODS INC COM COMMON STOCK     428565105      257    12300 SH       DEFINED               12300        0        0
HILFIGER TOMMY CORP COM *      COMMON STOCK     G8915Z102     1657    24060 SH       DEFINED               23060     1000        0
HILFIGER TOMMY CORP COM *      COMMON STOCK     G8915Z102      545     7920 SH       OTHER                  7920        0        0
HILLENBRAND INDUSTRIES INC COM COMMON STOCK     431573104       92     2000 SH       DEFINED                2000        0        0
HILTON HOTELS CORP COM         COMMON STOCK     432848109        6      400 SH       DEFINED                   0        0      400
HOME DEPOT INC COM *           COMMON STOCK     437076102     8105   130201 SH       DEFINED              125351        0     4850
HON INDUSTRIES INC COM         COMMON STOCK     438092108     4077   185855 SH       DEFINED              176963        0     8892
HON INDUSTRIES INC COM         COMMON STOCK     438092108       32     1445 SH       OTHER                  1445        0        0
HONEYWELL INC COM *            COMMON STOCK     438506107     1869    24649 SH       DEFINED               24649        0        0
HONEYWELL INC COM *            COMMON STOCK     438506107       24      320 SH       OTHER                   320        0        0
HORACE MANN EDUCATORS CORP NEW COMMON STOCK     440327104        9      373 SH       DEFINED                 373        0        0
HOSPITALITY PROPERTIES TRUST   COMMON STOCK     44106M102       16      585 SH       DEFINED                   0        0      585
HRPT PROPERTIES TRUST          COMMON STOCK     40426W101       43     3150 SH       DEFINED                3150        0        0
HRPT PROPERTIES TRUST          COMMON STOCK     40426W101       20     1500 SH       OTHER                  1500        0        0
HSB GROUP INC COM              COMMON STOCK     40428N109      256     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        3      100 SH       DEFINED                 100        0        0
HUSSMANN INTERNATIONAL INC COM COMMON STOCK     448110106        1      100 SH       DEFINED                 100        0        0
I 2 TECHNOLOGIES INC COM       COMMON STOCK     465754109       53     2000 SH       DEFINED                2000        0        0
IBP INC COM                    COMMON STOCK     449223106    26635  1430052 SH       DEFINED             1340590        0    89462
IBP INC COM                    COMMON STOCK     449223106      168     9029 SH       OTHER                  9029        0        0
ICN PHARMACEUTICALS INC NEW    COMMON STOCK     448924100       28     1130 SH       DEFINED                1130        0        0
IDACORP INC COM                COMMON STOCK     451107106       32     1100 SH       OTHER                  1100        0        0
IKON OFFICE SOLUTIONS INC COM  COMMON STOCK     451713101      283    22100 SH       DEFINED               22100        0        0
IKON OFFICE SOLUTIONS INC COM  COMMON STOCK     451713101       13     1000 SH       OTHER                  1000        0        0
ILEX ONCOLOGY INC COM          COMMON STOCK     451923106      105    10300 SH       DEFINED               10300        0        0
ILLINOIS TOOL WORKS INC COM *  COMMON STOCK     452308109      959    15500 SH       DEFINED               15500        0        0
ILLINOIS TOOL WORKS INC COM *  COMMON STOCK     452308109      377     6100 SH       OTHER                  6100        0        0
ILLINOVA CORP COM              COMMON STOCK     452317100     9008   425147 SH       DEFINED              397237        0    27910
ILLINOVA CORP COM              COMMON STOCK     452317100       66     3134 SH       OTHER                  3134        0        0
IMATION CORP COM               COMMON STOCK     45245A107       10      610 SH       DEFINED                 610        0        0
IMATION CORP COM               COMMON STOCK     45245A107       10      579 SH       OTHER                     0      579        0
IMATRON INC COM                COMMON STOCK     452906100        0      200 SH       DEFINED                   0        0      200
IMC GLOBAL, INC                COMMON STOCK     449669100        1       30 SH       DEFINED                  30        0        0
IMPERIAL SUGAR CO NEW COM      COMMON STOCK     453096109    12826  2094070 SH       DEFINED             1863803   229817      450
IMPERIAL SUGAR CO NEW COM      COMMON STOCK     453096109      923   150650 SH       OTHER                150650        0        0
IMS HEALTH INC COM             COMMON STOCK     449934108       99     3000 SH       DEFINED                3000        0        0
IMS HEALTH INC COM             COMMON STOCK     449934108       33     1000 SH       OTHER                     0     1000        0
INDIANA ENERGY INC COM         COMMON STOCK     454707100       11      600 SH       DEFINED                 600        0        0
INDYMAC MORTGAGE HOLDINGS INC  COMMON STOCK     456607100        2      200 SH       DEFINED                 200        0        0
INFINITY BROADCASTING CORP CLA COMMON STOCK     45662S102       13      500 SH       DEFINED                 500        0        0
INFORMATION RESOURCES INC COM  COMMON STOCK     456905108       10     1500 SH       DEFINED                1500        0        0
INFORMIX CORP COM              COMMON STOCK     456779107        4      600 SH       DEFINED                 600        0        0
INFORMIX CORP COM              COMMON STOCK     456779107       30     4000 SH       OTHER                  4000        0        0
INGERSOLL-RAND CO COM *        COMMON STOCK     456866102    12698   255880 SH       DEFINED              248310     1500     6070
INGERSOLL-RAND CO COM *        COMMON STOCK     456866102     1063    21415 SH       OTHER                 21415        0        0
INHALE THERAPEUTIC SYSTEMS INC COMMON STOCK     457191104       41     1500 SH       DEFINED                1500        0        0
INKTOMI CORP COM               COMMON STOCK     457277101        5       60 SH       DEFINED                  60        0        0
INNKEEPERS USA TRUST           COMMON STOCK     4576J0104      249    26700 SH       DEFINED               26700        0        0
INPUT/OUTPUT INC COM           COMMON STOCK     457652105        3      400 SH       DEFINED                 400        0        0
INPUT/OUTPUT INC COM           COMMON STOCK     457652105        3      500 SH       OTHER                     0        0      500
INSTRON CORP COM               COMMON STOCK     457776102        5      309 SH       DEFINED                 309        0        0
INT'L BUSINESS MACHINES CORP C COMMON STOCK     459200101    18851   106353 SH       DEFINED              103103      900     2350
INT'L BUSINESS MACHINES CORP C COMMON STOCK     459200101     1154     6510 SH       OTHER                  4318     2192        0
INT'L FLAVORS & FRAGRANCES INC COMMON STOCK     459506101      357     9500 SH       DEFINED                9500        0        0
INT'L FLAVORS & FRAGRANCES INC COMMON STOCK     459506101      154     4100 SH       OTHER                   500     3600        0
INTEGRATED ELECTRICAL SERVICES COMMON STOCK     45811E103       40     2500 SH       DEFINED                2500        0        0
INTEL CORP COM *               COMMON STOCK     458140100    11247    94611 SH       DEFINED               89061      150     5400
INTEL CORP COM *               COMMON STOCK     458140100     1565    13169 SH       OTHER                 11769        0     1400
INTERNATIONAL BANCSHARES CORP  COMMON STOCK     459044103       86     2000 SH       DEFINED                2000        0        0
INTERNATIONAL GAME TECHNOLOGY  COMMON STOCK     459902102        3      200 SH       DEFINED                 200        0        0
INTERNATIONAL MULTIFOODS CORP  COMMON STOCK     460043102      613    26300 SH       DEFINED               26300        0        0
INTERNATIONAL PAPER CO COM *   COMMON STOCK     460146103      778    18450 SH       DEFINED               18450        0        0
INTERNATIONAL PAPER CO COM *   COMMON STOCK     460146103      135     3200 SH       OTHER                  3200        0        0
INTERPUBLIC GROUP COS INC COM  COMMON STOCK     460690100      187     2400 SH       DEFINED                2400        0        0
INTERSTATE ENERGY CORP WISC CO COMMON STOCK     460845100       91     3400 SH       DEFINED                3400        0        0
INTIMATE BRANDS INC COM        COMMON STOCK     461156101       10      200 SH       DEFINED                 200        0        0
INTUIT INC COM                 COMMON STOCK     461202103       12      120 SH       DEFINED                 120        0        0
INVACARE CORP                  COMMON STOCK     461203101       15      600 SH       DEFINED                 600        0        0
IOMEGA CORP COM                COMMON STOCK     462030107        6     1200 SH       DEFINED                1200        0        0
IPALCO ENTERPRISES INC COM     COMMON STOCK     462613100       56     2554 SH       DEFINED                2554        0        0
JEFFERSON SAVINGS BANCORP INC  COMMON STOCK     474900107        1      125 SH       DEFINED                   0        0      125
JEFFERSON-PILOT CORP COM       COMMON STOCK     475070108       46      675 SH       OTHER                     0      675        0
JOHNSON & JOHNSON COM *        COMMON STOCK     478160104    18562   198528 SH       DEFINED              193588     1080     3860
JOHNSON & JOHNSON COM *        COMMON STOCK     478160104     3165    33845 SH       OTHER                 26845     7000        0
JOHNSON CONTROLS INC COM *     COMMON STOCK     478366107      613     9820 SH       DEFINED                9820        0        0
JOHNSON CONTROLS INC COM *     COMMON STOCK     478366107      621     9950 SH       OTHER                  9950        0        0
JONES APPAREL GROUP INC COM    COMMON STOCK     480074103      263     9400 SH       DEFINED                9400        0        0
JP REALTY INC COM              COMMON STOCK     46624A106       19      950 SH       DEFINED                 950        0        0
JUSTIN INDUSTRIES INC COM      COMMON STOCK     482171105      422    38400 SH       DEFINED               38400        0        0
K MART CORP COM                COMMON STOCK     482584109      210    12500 SH       DEFINED               12500        0        0
KANSAS CITY POWER & LIGHT CO C COMMON STOCK     485134100       44     1800 SH       DEFINED                1800        0        0
KAYDON CORPORATION COM         COMMON STOCK     486587108      487    16845 SH       DEFINED               16845        0        0
KEANE INC COM                  COMMON STOCK     486665102        2      100 SH       DEFINED                 100        0        0
KELLOGG CO COM                 COMMON STOCK     487836108       95     2800 SH       DEFINED                2800        0        0
KELLOGG CO COM                 COMMON STOCK     487836108      135     4000 SH       OTHER                  4000        0        0
KENT ELECTRONICS CORP COM      COMMON STOCK     490553104       22     2200 SH       DEFINED                2200        0        0
KERR MCGEE CORP COM            COMMON STOCK     492386107        3       97 SH       DEFINED                  97        0        0
KEY PRODUCTION INC COM         COMMON STOCK     493138101       59     8235 SH       DEFINED                   0        0     8235
KEYCORP NEW COM                COMMON STOCK     493267108       22      736 SH       DEFINED                 736        0        0
KEYSPAN ENERGY CORP COM *      COMMON STOCK     49337K106      401    15943 SH       DEFINED               15943        0        0
KEYSPAN ENERGY CORP COM *      COMMON STOCK     49337K106        3      100 SH       OTHER                     0        0      100
KEYSTONE CONSOLIDATED INDUSTRI COMMON STOCK     493422109       21     3733 SH       DEFINED                3733        0        0
KIMBERLY CLARK CORP COM *      COMMON STOCK     494368103    13450   280572 SH       DEFINED              270572     2000     8000
KIMBERLY CLARK CORP COM *      COMMON STOCK     494368103     1135    23675 SH       OTHER                 23675        0        0
KIMCO REALTY CORP COM          COMMON STOCK     49446R109        7      200 SH       DEFINED                 200        0        0
KIMCO REALTY CORP COM          COMMON STOCK     49446R109       22      600 SH       OTHER                   600        0        0
KNOLL INC COM                  COMMON STOCK     498904101      456    18500 SH       DEFINED               18500        0        0
KOLLMORGEN CORP COM            COMMON STOCK     500440102        4      304 SH       DEFINED                 304        0        0
KRONOS INC COM                 COMMON STOCK     501052104      305    12450 SH       DEFINED               12450        0        0
KULICKE & SOFFA INDUSTRIES INC COMMON STOCK     501242101        5      200 SH       DEFINED                 200        0        0
L G & E ENERGY CORP COM        COMMON STOCK     501917108       10      501 SH       DEFINED                 501        0        0
L G & E ENERGY CORP COM        COMMON STOCK     501917108       53     2570 SH       OTHER                  2570        0        0
LACLEDE GAS CO COM             COMMON STOCK     505588103        4      200 SH       DEFINED                 200        0        0
LAFARGE CORP COM               COMMON STOCK     505862102     7344   262282 SH       DEFINED              245025        0    17257
LAFARGE CORP COM               COMMON STOCK     505862102       45     1610 SH       OTHER                  1610        0        0
LAM RESEARCH CORP COM          COMMON STOCK     512807108       29     1000 SH       DEFINED                1000        0        0
LANDS END INC COM              COMMON STOCK     515086106      568    16400 SH       DEFINED               16400        0        0
LASALLE HOTEL PROPERTIES       COMMON STOCK     517942108        3      200 SH       DEFINED                 200        0        0
LAUDER ESTEE COMPANIES CLASS A COMMON STOCK     518439104     1729    18300 SH       DEFINED               17600        0      700
LEARNING CO INC COM            COMMON STOCK     522008101      450    15500 SH       DEFINED               15500        0        0
LEGGETT & PLATT INC COM        COMMON STOCK     524660107      449    22450 SH       DEFINED               22450        0        0
LEVEL ONE COMMUNICATIONS INC C COMMON STOCK     527295109        5      100 SH       DEFINED                 100        0        0
LIBERTY PROPERTY TRUST         COMMON STOCK     531172104      181     8700 SH       DEFINED                8700        0        0
LIGAND PHARMACEUTICALS INC CLA COMMON STOCK     53220K207        0       53 SH       DEFINED                   0        0       53
LOCKHEED MARTIN CORP COM *     COMMON STOCK     539830109     9670   256157 SH       DEFINED              245579        0    10578
LOCKHEED MARTIN CORP COM *     COMMON STOCK     539830109      276     7310 SH       OTHER                  7310        0        0
LOEWS CORP COM *               COMMON STOCK     540424108      118     1575 SH       DEFINED                1575        0        0
LONGVIEW FIBRE CO COM          COMMON STOCK     543213102      121    10500 SH       DEFINED               10500        0        0
LOUIS DREYFUS NATURAL GAS CORP COMMON STOCK     546011107        2      108 SH       DEFINED                 108        0        0
LOWES COS INC COM *            COMMON STOCK     548661107    23098   381779 SH       DEFINED              373899      160     7720
LOWES COS INC COM *            COMMON STOCK     548661107      540     8926 SH       OTHER                  8926        0        0
LTC HEALTHCARE INC COM         COMMON STOCK     50217R104        0       60 SH       DEFINED                  60        0        0
LTC PROPERTIES INC COM         COMMON STOCK     502175102        7      600 SH       DEFINED                 600        0        0
LUBRIZOL CORP COM              COMMON STOCK     549271104        4      170 SH       DEFINED                 170        0        0
LUBY'S INC COM                 COMMON STOCK     549282101      898    53197 SH       DEFINED               53197        0        0
LUBY'S INC COM                 COMMON STOCK     549282101       22     1293 SH       OTHER                  1293        0        0
LUCENT TECHNOLOGIES INC COM *  COMMON STOCK     549463107     8805    81526 SH       DEFINED               81212        0      314
LUCENT TECHNOLOGIES INC COM *  COMMON STOCK     549463107     1433    13269 SH       OTHER                 11347     1922        0
LYCOS INC COM                  COMMON STOCK     550818108       14      166 SH       DEFINED                 166        0        0
LYONDELL CHEMICAL CO. COM      COMMON STOCK     552078107       21     1500 SH       DEFINED                1500        0        0
M D U RESOURCES GROUP INC COM  COMMON STOCK     552690109     7850   343156 SH       DEFINED              307563        0    35593
M D U RESOURCES GROUP INC COM  COMMON STOCK     552690109      133     5831 SH       OTHER                  4549     1012      270
MACK CALI REALTY CORP COM      COMMON STOCK     554489104       15      500 SH       DEFINED                 500        0        0
MACROCHEM CORP DELAWARE COM    COMMON STOCK     555903103       80     8500 SH       DEFINED                8500        0        0
MALLINCKRODT INC NEW           COMMON STOCK     561232109       65     2450 SH       DEFINED                2450        0        0
MARKETWATCH.COM INC COM        COMMON STOCK     570619106        2       30 SH       DEFINED                  30        0        0
MARSH & MCLENNAN COS INC COM*  COMMON STOCK     571748102     1488    20037 SH       DEFINED               20037        0        0
MARSH & MCLENNAN COS INC COM*  COMMON STOCK     571748102       30      400 SH       OTHER                   400        0        0
MARTIN MARIETTA MATERIALS INC  COMMON STOCK     573284106       29      509 SH       DEFINED                 509        0        0
MASCO CORP COM *               COMMON STOCK     574599106       11      400 SH       DEFINED                 400        0        0
MATTEL INC COM                 COMMON STOCK     577081102      708    28398 SH       DEFINED               28398        0        0
MATTEL INC COM                 COMMON STOCK     577081102       22      891 SH       OTHER                     0      891        0
MAY DEPT STORES CO COM *       COMMON STOCK     577778103     1025    26207 SH       DEFINED               24707        0     1500
MAY DEPT STORES CO COM *       COMMON STOCK     577778103      194     4950 SH       OTHER                  4650      300        0
MAYTAG CORP COM                COMMON STOCK     578592107      180     2988 SH       DEFINED                2988        0        0
MAYTAG CORP COM                COMMON STOCK     578592107      101     1680 SH       OTHER                  1680        0        0
MBIA INC COM                   COMMON STOCK     55262C100      305     5255 SH       DEFINED                5255        0        0
MBNA CORP COM *                COMMON STOCK     55262L100        7      280 SH       DEFINED                 280        0        0
MBNA CORP COM *                COMMON STOCK     55262L100       86     3600 SH       OTHER                  3600        0        0
MCDERMOTT INTERNATIONAL INC CO COMMON STOCK     580037109       25     1000 SH       DEFINED                1000        0        0
MCDONALD'S CORP COM *          COMMON STOCK     580135101    10309   227515 SH       DEFINED              225515      200     1800
MCDONALD'S CORP COM *          COMMON STOCK     580135101      751    16570 SH       OTHER                 16570        0        0
MCGRAW HILL COMPANIES INC. *   COMMON STOCK     580645109    11688   214451 SH       DEFINED              210011        0     4440
MCGRAW HILL COMPANIES INC. *   COMMON STOCK     580645109      115     2118 SH       OTHER                  2118        0        0
MCI WORLDCOM INC COM *         COMMON STOCK     55268B106    15642   176617 SH       DEFINED              174537        0     2080
MCI WORLDCOM INC COM *         COMMON STOCK     55268B106      171     1926 SH       OTHER                  1926        0        0
MCKESSON HBOC INC COM *        COMMON STOCK     58155Q103     7399   112101 SH       DEFINED              112101        0        0
MCKESSON HBOC INC COM *        COMMON STOCK     58155Q103      169     2567 SH       OTHER                  2567        0        0
MCMORAN EXPLORATION CO COM     COMMON STOCK     582411104        0        4 SH       DEFINED                   4        0        0
MCN ENERGY GROUP INC *         COMMON STOCK     55267J100      246    15314 SH       DEFINED               15314        0        0
MCN ENERGY GROUP INC *         COMMON STOCK     55267J100       18     1100 SH       OTHER                  1100        0        0
MEDCO RESEARCH INC COM         COMMON STOCK     584059109       26     1000 SH       DEFINED                1000        0        0
MEDIAONE GROUP INC COM         COMMON STOCK     58440J104      550     8672 SH       DEFINED                8672        0        0
MEDIAONE GROUP INC COM         COMMON STOCK     58440J104       30      468 SH       OTHER                   200        0      268
MEDITRUST CORP PAIRED STOCK    COMMON STOCK     58501T306     8898   715417 SH       DEFINED              670088        0    45329
MEDITRUST CORP PAIRED STOCK    COMMON STOCK     58501T306      109     8795 SH       OTHER                  8588        0      207
MEDPARTNERS INC NEW            COMMON STOCK     58503X107        0      100 SH       DEFINED                 100        0        0
MEDTRONIC INC COM *            COMMON STOCK     585055106     4391    61092 SH       DEFINED               59156      120     1816
MEDTRONIC INC COM *            COMMON STOCK     585055106      199     2770 SH       OTHER                  1970      600      200
MELLON BANK CORP COM           COMMON STOCK     585509102       93     1320 SH       OTHER                  1320        0        0
MENS WEARHOUSE INC COM         COMMON STOCK     587118100       29     1000 SH       DEFINED                1000        0        0
MERCANTILE BANCORPORATION INC  COMMON STOCK     587342106      222     4682 SH       DEFINED                4682        0        0
MERCK & CO INC COM *           COMMON STOCK     589331107    11265   140590 SH       DEFINED              138790        0     1800
MERCK & CO INC COM *           COMMON STOCK     589331107     2165    27022 SH       OTHER                 24824        0     2198
MERIDIAN RESOURCE CORP COM     COMMON STOCK     58977Q109        8     2293 SH       DEFINED                2293        0        0
MERITOR AUTOMOTIVE INC COM     COMMON STOCK     59000G100        2      160 SH       DEFINED                 160        0        0
MERRILL LYNCH & CO INC COM     COMMON STOCK     590188108      181     2050 SH       DEFINED                1500        0      550
MERRILL LYNCH & CO INC COM     COMMON STOCK     590188108      383     4325 SH       OTHER                  1125     3200        0
METHODE ELECTRONICS INC CLASS  COMMON STOCK     591520200      111    10000 SH       DEFINED               10000        0        0
METROMEDIA FIBER NETWORK INC C COMMON STOCK     591689104       26      500 SH       DEFINED                   0        0      500
MGIC INVESTMENT CORP WISCONSIN COMMON STOCK     552848103     3289    93800 SH       DEFINED               93800        0        0
MGIC INVESTMENT CORP WISCONSIN COMMON STOCK     552848103      137     3900 SH       OTHER                  3900        0        0
MICHAELS STORES INC COM        COMMON STOCK     594087108      585    23700 SH       DEFINED               23700        0        0
MICRON TECHNOLOGY INC COM      COMMON STOCK     595112103       56     1160 SH       DEFINED                   0        0     1160
MICROSOFT CORP WASHINGTON COM  COMMON STOCK     594918104    24675   275310 SH       DEFINED              268910      200     6200
MICROSOFT CORP WASHINGTON COM  COMMON STOCK     594918104     1698    18950 SH       OTHER                 18950        0        0
MIDAS GROUP INC COM            COMMON STOCK     595626102      318     9533 SH       DEFINED                9533        0        0
MILESTONE SCIENTIFIC INC COM   COMMON STOCK     59935P100        5     2900 SH       DEFINED                   0        0     2900
MILLIPORE CORP COM *           COMMON STOCK     601073109      375    15540 SH       DEFINED               15540        0        0
MINDSPRING ENTERPRISES INC COM COMMON STOCK     602683104       26      300 SH       DEFINED                 300        0        0
MINNESOTA MINING & MANUFACTURI COMMON STOCK     604059105     3691    52165 SH       DEFINED               51840        0      325
MINNESOTA MINING & MANUFACTURI COMMON STOCK     604059105     1471    20790 SH       OTHER                 12790     5800     2200
MITCHELL ENERGY & DEV CORP CL  COMMON STOCK     606592301        4      353 SH       DEFINED                 353        0        0
MITCHELL ENERGY & DEV CORP CLA COMMON STOCK     606592202      104     8353 SH       DEFINED                8353        0        0
MOBIL CORP COM *               COMMON STOCK     607059102    11381   129329 SH       DEFINED              127819      800      710
MOBIL CORP COM *               COMMON STOCK     607059102     1329    15100 SH       OTHER                 12972     1728      400
MODINE MANUFACTURING CO COM    COMMON STOCK     607828100        9      307 SH       DEFINED                 307        0        0
MODIS PROFESSIONAL SVCS INC CO COMMON STOCK     607830106        5      500 SH       OTHER                   500        0        0
MOLECULAR BIOSYSTEMS INC COM   COMMON STOCK     608513107        3     1100 SH       DEFINED                1100        0        0
MOMENTUM BUSINESS APPLICATIONS COMMON STOCK     60877P108        0        4 SH       DEFINED                   4        0        0
MONARCH DENTAL CORP COM        COMMON STOCK     609044102     1786   571580 SH       OTHER                571580        0        0
MONSANTO CO COM *              COMMON STOCK     611662107     1221    26570 SH       DEFINED               26570        0        0
MONSANTO CO COM *              COMMON STOCK     611662107      390     8500 SH       OTHER                  3000     4500     1000
MONTANA POWER CO COM *         COMMON STOCK     612085100      103     1400 SH       DEFINED                1400        0        0
MONY GROUP INC COM             COMMON STOCK     615337102       19      751 SH       DEFINED                 751        0        0
MORGAN J P & CO INC COM        COMMON STOCK     616880100     1328    10765 SH       DEFINED               10765        0        0
MORGAN J P & CO INC COM        COMMON STOCK     616880100      113      914 SH       OTHER                   714      200        0
MORGAN STANLEY FIN PLC 8.4% CA COMMON STOCK     616906608       51     2000 SH       OTHER                  2000        0        0
MORGAN STANLEY, DEAN WITTER &  COMMON STOCK     617446448      144     1440 SH       DEFINED                1440        0        0
MORGAN STANLEY, DEAN WITTER &  COMMON STOCK     617446448       39      390 SH       OTHER                   390        0        0
MORTON INTERNATIONAL INC NEW * COMMON STOCK     619335102       77     2100 SH       DEFINED                2100        0        0
MORTON INTERNATIONAL INC NEW * COMMON STOCK     619335102      209     5700 SH       OTHER                  3300     2400        0
MOTOROLA INC COM *             COMMON STOCK     620076109     3581    48885 SH       DEFINED               47885        0     1000
MOTOROLA INC COM *             COMMON STOCK     620076109      468     6392 SH       OTHER                  4892      900      600
MTS SYSTEMS CORP COM           COMMON STOCK     553777103       20     2004 SH       DEFINED                2004        0        0
NAB ASSET CORP COM             COMMON STOCK     628712200        0        7 SH       DEFINED                   7        0        0
NABISCO HOLDINGS CORP CLASS A  COMMON STOCK     629526104       12      300 SH       DEFINED                   0        0      300
NABORS INDUSTRIES INC COM      COMMON STOCK     629568106       16      900 SH       DEFINED                 900        0        0
NATIONAL DATA CORP COM         COMMON STOCK     635621105      374     8900 SH       DEFINED                8900        0        0
NATIONAL FUEL GAS CO N J COM P COMMON STOCK     636180101       28      726 SH       DEFINED                 726        0        0
NATIONAL PRESTO INDUSTRIES INC COMMON STOCK     637215104      447    12600 SH       DEFINED               12600        0        0
NATIONAL-OILWELL INC COM       COMMON STOCK     637071101        4      350 SH       DEFINED                   0        0      350
NATIONWIDE FINANCIAL SERVICES  COMMON STOCK     638612101       44     1050 SH       DEFINED                1050        0        0
NATIONWIDE HEALTH PROPERTIES I COMMON STOCK     638620104    12459   655730 SH       DEFINED              627176        0    28554
NATIONWIDE HEALTH PROPERTIES I COMMON STOCK     638620104      106     5580 SH       OTHER                  5580        0        0
NATURES SUNSHINE PRODUCTS INC  COMMON STOCK     639027101       15     1320 SH       OTHER                  1320        0        0
NCI BUILDING SYSTEMS INC COM   COMMON STOCK     628852105      313    13300 SH       DEFINED               13300        0        0
NCR CORP NEW COM               COMMON STOCK     62886E108       22      447 SH       DEFINED                 447        0        0
NCR CORP NEW COM               COMMON STOCK     62886E108        9      184 SH       OTHER                     0      184        0
NEIMAN-MARCUS GROUP INC COM    COMMON STOCK     640204103        2      100 SH       DEFINED                   0        0      100
NETWORK APPLIANCE INC COM      COMMON STOCK     64120L104       51     1000 SH       DEFINED                 500        0      500
NETWORKS ASSOCIATES INC COM    COMMON STOCK     640938106       25      800 SH       DEFINED                 800        0        0
NEW CENTURY ENERGIES INC COM   COMMON STOCK     64352U103      125     3678 SH       DEFINED                3678        0        0
NEW CENTURY ENERGIES INC COM   COMMON STOCK     64352U103       14      411 SH       OTHER                   221        0      190
NEW ENGLAND ELECTRIC SYSTEMS C COMMON STOCK     644001109       54     1120 SH       DEFINED                1120        0        0
NEW PLAN EXCEL REALTY TRUST IN COMMON STOCK     648053106      126     6550 SH       DEFINED                6550        0        0
NEWMONT MINING CORP COM        COMMON STOCK     651639106        8      461 SH       DEFINED                 461        0        0
NEWPARK RESOURCES INC COM      COMMON STOCK     651718504        4      500 SH       DEFINED                 500        0        0
NEWPORT NEWS SHIPBUILDING INC  COMMON STOCK     652228107        9      280 SH       DEFINED                 280        0        0
NEXTEL COMMUNICATIONS INC CLAS COMMON STOCK     65332V103       37     1000 SH       DEFINED                   0        0     1000
NICOR INC COM *                COMMON STOCK     654086107      666    18520 SH       DEFINED               18520        0        0
NICOR INC COM *                COMMON STOCK     654086107      399    11100 SH       OTHER                 11100        0        0
NIELSEN MEDIA RESEARCH INC NEW COMMON STOCK     653929307        4      166 SH       OTHER                     0      166        0
NIKE INC CLASS B *             COMMON STOCK     654106103      441     7650 SH       DEFINED                7650        0        0
NOBLE AFFILIATES INC COM       COMMON STOCK     654894104    27550   950000 SH       DEFINED              887591        0    62409
NOBLE AFFILIATES INC COM       COMMON STOCK     654894104      206     7093 SH       OTHER                  7093        0        0
NOBLE DRILLING CORP COM        COMMON STOCK     655042109     1385    79700 SH       DEFINED               79700        0        0
NORFOLK SOUTHERN CORP COM *    COMMON STOCK     655844108      731    27720 SH       DEFINED               27720        0        0
NORFOLK SOUTHERN CORP COM *    COMMON STOCK     655844108      417    15800 SH       OTHER                 11300     3000     1500
NORTH AMERN TECHNOLOGIES GROUP COMMON STOCK     657193207        5     2433 SH       DEFINED                2422        0       11
NORTHEAST UTILITIES COM        COMMON STOCK     664397106      161    11600 SH       DEFINED               11600        0        0
NORTHERN STATES POWER CO MINN  COMMON STOCK     665772109       28     1200 SH       DEFINED                1200        0        0
NORTHERN STATES POWER CO MINN  COMMON STOCK     665772109       35     1526 SH       OTHER                   302        0     1224
NORTHROP CORP COM              COMMON STOCK     666807102      150     2500 SH       DEFINED                2500        0        0
NORTHWEST AIRLINES CORP CLASS  COMMON STOCK     667280101       19      700 SH       DEFINED                 700        0        0
NOVELLUS SYSTEMS INC COM       COMMON STOCK     670008101       17      300 SH       DEFINED                 300        0        0
NUCOR CORP COM *               COMMON STOCK     670346105     1085    24620 SH       DEFINED               24320        0      300
NUCOR CORP COM *               COMMON STOCK     670346105      176     4000 SH       OTHER                  4000        0        0
OCCIDENTAL PETROLEUM CORP COM  COMMON STOCK     674599105       82     4579 SH       DEFINED                3268        0     1311
OCCIDENTAL PETROLEUM CORP COM  COMMON STOCK     674599105        4      201 SH       OTHER                   201        0        0
OCEAN ENERGY INC               COMMON STOCK     674812201       25     3600 SH       DEFINED                2300        0     1300
OFFICE DEPOT INC COM           COMMON STOCK     676220106       16      432 SH       DEFINED                 432        0        0
OGDEN CORP COM                 COMMON STOCK     676346109    23124   960982 SH       DEFINED              891189        0    69793
OGDEN CORP COM                 COMMON STOCK     676346109      190     7895 SH       OTHER                  7895        0        0
OGE ENERGY CORP COM            COMMON STOCK     670837103       14      600 SH       DEFINED                 600        0        0
OHIO CASUALTY CORP COM         COMMON STOCK     677240103       78     2000 SH       DEFINED                2000        0        0
OLD REPUBLIC INTERNATIONAL COR COMMON STOCK     680223104     5732   314068 SH       DEFINED              300147        0    13921
OLD REPUBLIC INTERNATIONAL COR COMMON STOCK     680223104       37     2002 SH       OTHER                  2002        0        0
OMNICOM GROUP COM *            COMMON STOCK     681919106    14360   179638 SH       DEFINED              175578     1600     2460
OMNICOM GROUP COM *            COMMON STOCK     681919106     1069    13377 SH       OTHER                 13377        0        0
ONEOK INC NEW COM              COMMON STOCK     682680103       45     1800 SH       DEFINED                   0        0     1800
ONSALE INC COM                 COMMON STOCK     682838107        2       60 SH       DEFINED                  60        0        0
ORACLE CORPORATION             COMMON STOCK     68389X105      280    10613 SH       DEFINED                7350      563     2700
ORACLE CORPORATION             COMMON STOCK     68389X105        3      128 SH       OTHER                   128        0        0
OREGON STEEL MILLS INC COM     COMMON STOCK     686079104      413    39600 SH       DEFINED               39600        0        0
ORTEL CORP COM                 COMMON STOCK     68749W102       14     2000 SH       DEFINED                   0        0     2000
ORTEL CORP COM                 COMMON STOCK     68749W102       21     3000 SH       OTHER                     0        0     3000
OXFORD HEALTH PLANS INC COM    COMMON STOCK     691471106      156    10000 SH       DEFINED               10000        0        0
P G & E CORP COM               COMMON STOCK     69331C108      125     4024 SH       DEFINED                4024        0        0
P G & E CORP COM               COMMON STOCK     69331C108       33     1076 SH       OTHER                  1076        0        0
PACIFICORP COM                 COMMON STOCK     695114108    11586   671657 SH       DEFINED              614927        0    56730
PACIFICORP COM                 COMMON STOCK     695114108      117     6757 SH       OTHER                  6112        0      645
PALL CORP COM                  COMMON STOCK     696429307      149     9000 SH       DEFINED                9000        0        0
PARAMETRIC TECHNOLOGY CORP COM COMMON STOCK     699173100      212    10750 SH       DEFINED               10750        0        0
PARK ELECTROCHEMICAL CORP COM  COMMON STOCK     700416209       24     1042 SH       DEFINED                1042        0        0
PARK PLACE ENTMT CORP COM      COMMON STOCK     700690100      586    77500 SH       DEFINED               77100        0      400
PECO ENERGY CO COM             COMMON STOCK     693304107       23      500 SH       DEFINED                 500        0        0
PENNEY J C INC COM *           COMMON STOCK     708160106      458    11304 SH       DEFINED               11304        0        0
PENNEY J C INC COM *           COMMON STOCK     708160106      398     9820 SH       OTHER                  9020      800        0
PENNZENERGY CO COM             COMMON STOCK     70931Q109       49     4662 SH       DEFINED                4662        0        0
PENNZOIL-QUAKER STATE CO COM   COMMON STOCK     709323109       59     4764 SH       DEFINED                4764        0        0
PEPSICO INC COM                COMMON STOCK     713448108     5016   128004 SH       DEFINED              125148        0     2856
PEPSICO INC COM                COMMON STOCK     713448108      575    14669 SH       OTHER                  5669     3600     5400
PERKIN ELMER CORP COM          COMMON STOCK     714041100       97     1000 SH       OTHER                     0     1000        0
PETCO ANIMAL SUPPLIES INC COM  COMMON STOCK     716016100      351    35100 SH       DEFINED               35100        0        0
PFIZER INC COM *               COMMON STOCK     717081103     7529    54265 SH       DEFINED               53530       60      675
PFIZER INC COM *               COMMON STOCK     717081103     5235    37731 SH       OTHER                 32355     5376        0
PHARMACEUTICAL MARKETING SVCS  COMMON STOCK     717123103        5      300 SH       DEFINED                   0        0      300
PHARMACIA & UPJOHN INC COM     COMMON STOCK     716941109     2781    44585 SH       DEFINED               42785        0     1800
PHELPS DODGE CORP COM          COMMON STOCK     717265102      148     3000 SH       DEFINED                3000        0        0
PHELPS DODGE CORP COM          COMMON STOCK     717265102        8      170 SH       OTHER                     0      170        0
PHILIP MORRIS COS INC COM *    COMMON STOCK     718154107     4987   141732 SH       DEFINED              138232      900     2600
PHILIP MORRIS COS INC COM *    COMMON STOCK     718154107      844    23998 SH       OTHER                 21498        0     2500
PHILLIPS PETROLEUM CO COM      COMMON STOCK     718507106       42      886 SH       DEFINED                 500        0      386
PHILLIPS PETROLEUM CO COM      COMMON STOCK     718507106       19      400 SH       OTHER                     0        0      400
PHYCOR INC COM                 COMMON STOCK     71940F100       14     3020 SH       DEFINED                   0        0     3020
PIER 1 IMPORTS INC COM         COMMON STOCK     720279108      245    30200 SH       DEFINED               30200        0        0
PIER 1 IMPORTS INC COM         COMMON STOCK     720279108        6      721 SH       OTHER                   721        0        0
PINNACLE GLOBAL GROUP INC COM  COMMON STOCK     723465100        0       25 SH       DEFINED                   0        0       25
PINNACLE WEST CAPITAL CORP COM COMMON STOCK     723484101       11      300 SH       DEFINED                 300        0        0
PIONEER NATURAL RESOURCES CO C COMMON STOCK     723787107       37     4715 SH       DEFINED                4115      600        0
PIONEER NATURAL RESOURCES CO C COMMON STOCK     723787107        1      115 SH       OTHER                   115        0        0
PITNEY BOWES INC COM *         COMMON STOCK     724479100      532     8350 SH       DEFINED                8350        0        0
PITTSTON BRINK'S GROUP         COMMON STOCK     725701106      495    21075 SH       DEFINED               21075        0        0
PLANTRONICS INC COM            COMMON STOCK     727493108      719    11500 SH       DEFINED               11500        0        0
PLASMA THERM INC COM           COMMON STOCK     727900102       16     7209 SH       DEFINED                7209        0        0
PLAY BY PLAY TOYS & NOVELTIES  COMMON STOCK     72811K103        3      400 SH       DEFINED                 400        0        0
PNC BANK CORP COM              COMMON STOCK     693475105      400     7200 SH       DEFINED                7200        0        0
POGO PRODUCING CO COM          COMMON STOCK     730448107        4      300 SH       OTHER                   300        0        0
POLARIS INDUSTRIES INC COM     COMMON STOCK     731068102      159     5000 SH       DEFINED                5000        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       11      300 SH       DEFINED                 300        0        0
POTLATCH CORP COM              COMMON STOCK     737628107      180     5300 SH       DEFINED                5300        0        0
POTOMAC ELECTRIC POWER CO COM  COMMON STOCK     737679100      232    10000 SH       DEFINED               10000        0        0
POWERHOUSE TECHNOLOGIES INC CO COMMON STOCK     739323103      382    22200 SH       DEFINED               22200        0        0
PPG INDUSTRIES INC COM *       COMMON STOCK     693506107      694    13535 SH       DEFINED               13535        0        0
PRAXAIR INC COM                COMMON STOCK     74005P104       72     2007 SH       DEFINED                2007        0        0
PRE PAID LEGAL SERVICES INC CO COMMON STOCK     740065107       29     1172 SH       DEFINED                1172        0        0
PRECISION CASTPARTS CORP COM * COMMON STOCK     740189105      685    17030 SH       DEFINED               17030        0        0
PRECISION CASTPARTS CORP COM * COMMON STOCK     740189105      325     8080 SH       OTHER                  8080        0        0
PREMARK INTERNATIONAL INC COM  COMMON STOCK     740459102        5      150 SH       DEFINED                 150        0        0
PREMARK INTERNATIONAL INC COM  COMMON STOCK     740459102       66     2000 SH       OTHER                  2000        0        0
PRENTISS PROPERTIES TRUST      COMMON STOCK     740706106        9      500 SH       DEFINED                 500        0        0
PRIMARK CORP COM               COMMON STOCK     741903108       30     1400 SH       DEFINED                1400        0        0
PRIME MEDICAL SERVICES INC COM COMMON STOCK     74156D108      111    15100 SH       DEFINED               15100        0        0
PRIME RETAIL INC COM           COMMON STOCK     741570105     4814   550150 SH       DEFINED              513295        0    36855
PRIME RETAIL INC COM           COMMON STOCK     741570105       29     3358 SH       OTHER                  3358        0        0
PRISON REALTY CORP COM         COMMON STOCK     74264N105    21800  1250170 SH       DEFINED             1169406        0    80764
PRISON REALTY CORP COM         COMMON STOCK     74264N105      179    10268 SH       OTHER                 10268        0        0
PROCTER & GAMBLE CO COM *      COMMON STOCK     742718109    20779   212170 SH       DEFINED              211690       80      400
PROCTER & GAMBLE CO COM *      COMMON STOCK     742718109     2226    22730 SH       OTHER                 18682     1800     2248
PRODIGY COMMUNICATIONS CORP CO COMMON STOCK     74283P107        4      100 SH       DEFINED                 100        0        0
PROLOGIS TRUST INC COM         COMMON STOCK     743410102     7417   361801 SH       DEFINED              343283        0    18518
PROLOGIS TRUST INC COM         COMMON STOCK     743410102       64     3132 SH       OTHER                  3132        0        0
PROMEDCO MANAGEMENT COMPANY CO COMMON STOCK     74342L105        8     1700 SH       DEFINED                1700        0        0
PROVIDIAN FINANCIAL CORP COM * COMMON STOCK     74406A102     5968    54250 SH       DEFINED               54100        0      150
PROVIDIAN FINANCIAL CORP COM * COMMON STOCK     74406A102       29      262 SH       OTHER                   262        0        0
PUBLIC SERVICE CO NEW MEXICO C COMMON STOCK     744499104        2      100 SH       DEFINED                 100        0        0
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK     744573106      531    13903 SH       DEFINED               13903        0        0
PUGET SOUND ENERGY INC         COMMON STOCK     745332106        2      100 SH       DEFINED                 100        0        0
PULITZER PUBLISHING CO COM     COMMON STOCK     745771105       20      500 SH       DEFINED                 500        0        0
QUAKER OATS CO COM             COMMON STOCK     747402105      205     3300 SH       DEFINED                3300        0        0
QUAKER OATS CO COM             COMMON STOCK     747402105      112     1800 SH       OTHER                     0     1800        0
QUALCOMM INC COM               COMMON STOCK     747525103       62      500 SH       DEFINED                 500        0        0
QUICKSILVER RESOURCES INC COM  COMMON STOCK     74837R104        4      500 SH       DEFINED                 500        0        0
QUICKTURN DESIGN SYSTEMS INC C COMMON STOCK     74838E102        4      250 SH       DEFINED                 250        0        0
QUICKTURN DESIGN SYSTEMS INC C COMMON STOCK     74838E102        4      250 SH       OTHER                   250        0        0
QWEST COMMUNICATIONS INTERNATI COMMON STOCK     749121109      337     4675 SH       DEFINED                4675        0        0
QWEST COMMUNICATIONS INTERNATI COMMON STOCK     749121109       29      400 SH       OTHER                   400        0        0
R & B FALCON CORP COM          COMMON STOCK     74912E101       75     8651 SH       DEFINED                7651        0     1000
RAILTEX INC COM                COMMON STOCK     750766107        2      214 SH       DEFINED                 214        0        0
RALCORP HOLDINGS INC NEW COM   COMMON STOCK     751028101        8      400 SH       DEFINED                 400        0        0
RALSTON-RALSTON PURINA GROUP C COMMON STOCK     751277302       96     3600 SH       DEFINED                3600        0        0
RAMCO-GERSHENSON PROPERTIES IN COMMON STOCK     751452202        8      525 SH       DEFINED                 525        0        0
RAYTHEON CO CLASS A            COMMON STOCK     755111309      997    17270 SH       DEFINED               17270        0        0
RAYTHEON CO CLASS B*           COMMON STOCK     755111408      796    13580 SH       DEFINED               13180        0      400
RAYTHEON CO CLASS B*           COMMON STOCK     755111408      589    10050 SH       OTHER                  8850     1200        0
REEBOK INTERNATIONAL LIMITED C COMMON STOCK     758110100        5      300 SH       DEFINED                 300        0        0
REGENCY REALTY CORP COM        COMMON STOCK     758939102       27     1440 SH       DEFINED                1440        0        0
REGIONS FINANCIAL CORP COM     COMMON STOCK     758940100        7      200 SH       DEFINED                 200        0        0
RELIANT ENERGY INC COM*        COMMON STOCK     75952J108     1636    62758 SH       DEFINED               62402        0      356
RELIANT ENERGY INC COM*        COMMON STOCK     75952J108       17      659 SH       OTHER                   659        0        0
RELIASTAR FINANCIAL CORP COM   COMMON STOCK     75952U103     3047    71475 SH       DEFINED               64681        0     6794
RELIASTAR FINANCIAL CORP COM   COMMON STOCK     75952U103       28      648 SH       OTHER                   438        0      210
REPUBLIC SERVICES INC CLASS A  COMMON STOCK     760759100      330    20400 SH       DEFINED               20400        0        0
REVLON INC CLASS A             COMMON STOCK     761525500        8      375 SH       DEFINED                 375        0        0
REYNOLDS & REYNOLDS CO CLASS A COMMON STOCK     761695105       42     2200 SH       DEFINED                2200        0        0
REYNOLDS & REYNOLDS CO CLASS A COMMON STOCK     761695105       40     2100 SH       OTHER                     0     2100        0
RIGGS NATIONAL CORP WASH DC CO COMMON STOCK     766570105     3630   215107 SH       DEFINED              199545        0    15562
RIGGS NATIONAL CORP WASH DC CO COMMON STOCK     766570105       26     1531 SH       OTHER                  1531        0        0
RITE AID CORP COM *            COMMON STOCK     767754104     6571   262840 SH       DEFINED              256330      160     6350
RITE AID CORP COM *            COMMON STOCK     767754104       89     3571 SH       OTHER                  3571        0        0
ROBERT HALF INTERNATIONAL INC  COMMON STOCK     770323103     1378    42000 SH       DEFINED               42000        0        0
ROCHESTER GAS & ELECTRIC CORP  COMMON STOCK     771367109      446    17400 SH       DEFINED               17400        0        0
ROCKWELL INTERNATIONAL CORP NE COMMON STOCK     773903109       35      832 SH       DEFINED                 832        0        0
ROCKWELL INTERNATIONAL CORP NE COMMON STOCK     773903109       21      500 SH       OTHER                   500        0        0
ROMAC INTERNATIONAL INC COM    COMMON STOCK     775835101        7      800 SH       DEFINED                   0        0      800
ROWAN COS INC COM              COMMON STOCK     779382100        4      300 SH       DEFINED                 300        0        0
RYERSON TULL INC NEW COM       COMMON STOCK     78375P107        3      200 SH       DEFINED                   0        0      200
S & P 500 DEPOSITARY RECEIPT S COMMON STOCK     78462F103      180     1400 SH       DEFINED                1400        0        0
SAFEWAY INC COM NEW *          COMMON STOCK     786514208    11515   224413 SH       DEFINED              219803        0     4610
SAFEWAY INC COM NEW *          COMMON STOCK     786514208      908    17689 SH       OTHER                 17689        0        0
SAKS INC COM *                 COMMON STOCK     79377W108     6695   257510 SH       DEFINED              255714        0     1796
SAKS INC COM *                 COMMON STOCK     79377W108       66     2547 SH       OTHER                  2547        0        0
SANTA FE ENERGY RESOURCES INC  COMMON STOCK     802012104        4      542 SH       DEFINED                 542        0        0
SANTA FE INTERNATIONAL CORP CO COMMON STOCK     G7805C108    17377   929852 SH       DEFINED              883708        0    46144
SANTA FE INTERNATIONAL CORP CO COMMON STOCK     G7805C108      133     7097 SH       OTHER                  7097        0        0
SARA LEE CORP COM *            COMMON STOCK     803111103     2300    92914 SH       DEFINED               92914        0        0
SARA LEE CORP COM *            COMMON STOCK     803111103      421    17000 SH       OTHER                 15200     1800        0
SAUL CENTERS INC COM           COMMON STOCK     804395101     2848   194727 SH       DEFINED              181342        0    13385
SAUL CENTERS INC COM           COMMON STOCK     804395101       25     1714 SH       OTHER                  1714        0        0
SBC COMMUNICATIONS INC COM *   COMMON STOCK     78387G103    20776   440291 SH       DEFINED              431773     2000     6518
SBC COMMUNICATIONS INC COM *   COMMON STOCK     78387G103     3032    64264 SH       OTHER                 56976        0     7288
SCANA CORP COM                 COMMON STOCK     805898103       17      800 SH       DEFINED                 800        0        0
SCHERING-PLOUGH CORP COM *     COMMON STOCK     806605101    18550   335743 SH       DEFINED              326723      120     8900
SCHERING-PLOUGH CORP COM *     COMMON STOCK     806605101     1523    27559 SH       OTHER                 22759        0     4800
SCHICK TECHNOLOGIES INC COM    COMMON STOCK     806683108        0      100 SH       DEFINED                 100        0        0
SCHLUMBERGER LIMITED COM *     COMMON STOCK     806857108     3901    64813 SH       DEFINED               63243        0     1570
SCHLUMBERGER LIMITED COM *     COMMON STOCK     806857108      645    10720 SH       OTHER                  8520        0     2200
SCIENTIFIC-ATLANTA INC COM     COMMON STOCK     808655104        8      300 SH       DEFINED                 300        0        0
SCRIPPS E W CO CLASS A COM     COMMON STOCK     811054204       13      300 SH       DEFINED                   0        0      300
SEAGULL ENERGY CORP COM        COMMON STOCK     812007102       27     4000 SH       DEFINED                4000        0        0
SEALED AIR CORP NEW COM        COMMON STOCK     81211K100        5       93 SH       DEFINED                  93        0        0
SEALED AIR CORP NEW COM        COMMON STOCK     81211K100       78     1587 SH       OTHER                  1587        0        0
SEARS ROEBUCK & CO COM *       COMMON STOCK     812387108     1009    22335 SH       DEFINED               21710        0      625
SEARS ROEBUCK & CO COM *       COMMON STOCK     812387108      106     2342 SH       OTHER                  2342        0        0
SECURITY DYNAMICS TECHNOLOGIES COMMON STOCK     814208104      371    19900 SH       DEFINED               19900        0        0
SEI INVESTMENTS CO COM         COMMON STOCK     784117103       23      250 SH       DEFINED                 250        0        0
SELECTIVE INSURANCE GROUP INC  COMMON STOCK     816300107     2756   156361 SH       DEFINED              134154        0    22207
SELECTIVE INSURANCE GROUP INC  COMMON STOCK     816300107       39     2192 SH       OTHER                   933      920      339
SEMPRA ENERGY COM              COMMON STOCK     816851109      216    11250 SH       DEFINED               10350      900        0
SEMPRA ENERGY COM              COMMON STOCK     816851109       15      800 SH       OTHER                     0      800        0
SEPRACOR, INC COM              COMMON STOCK     817315104       33      298 SH       DEFINED                 298        0        0
SERVICE CORP INTERNATIONAL COM COMMON STOCK     817565104       51     3601 SH       DEFINED                3601        0        0
SERVICEMASTER COMPANY COM      COMMON STOCK     81760N109      123     6045 SH       OTHER                     0     6045        0
SHERWIN-WILLIAMS CO COM *      COMMON STOCK     824348106     2294    81580 SH       DEFINED               81580        0        0
SHERWIN-WILLIAMS CO COM *      COMMON STOCK     824348106       79     2800 SH       OTHER                  2800        0        0
SIERRA PACIFIC RESOURCES COM   COMMON STOCK     826425100        4      100 SH       DEFINED                 100        0        0
SIG CORP INC COM               COMMON STOCK     826912107       11      399 SH       DEFINED                 399        0        0
SIGMA-ALDRICH CORP COM         COMMON STOCK     826552101       29     1000 SH       DEFINED                1000        0        0
SIGMA-ALDRICH CORP COM         COMMON STOCK     826552101      117     4000 SH       OTHER                  4000        0        0
SKYTEL COMMUNICATIONS INC COM  COMMON STOCK     83087Q104        2      100 SH       DEFINED                 100        0        0
SKYWEST INC COM                COMMON STOCK     830879102      274     9500 SH       DEFINED                9500        0        0
SLM HOLDING CORP COM           COMMON STOCK     78442A109       13      300 SH       DEFINED                 300        0        0
SOLUTIA INC COM                COMMON STOCK     834376105        5      300 SH       DEFINED                 300        0        0
SOLUTIA INC COM                COMMON STOCK     834376105       19     1100 SH       OTHER                     0      900      200
SONAT INC COM                  COMMON STOCK     835415100       64     2148 SH       DEFINED                2148        0        0
SONAT INC COM                  COMMON STOCK     835415100       60     2000 SH       OTHER                     0     2000        0
SONIC CORP COM                 COMMON STOCK     835451105      466    17300 SH       DEFINED               17300        0        0
SOUTHERN CO COM *              COMMON STOCK     842587107      159     6832 SH       DEFINED                6832        0        0
SOUTHERN MINERAL CORP COM      COMMON STOCK     843367202        0       27 SH       DEFINED                  27        0        0
SOUTHLAND CORP COM NEW         COMMON STOCK     844436402        7     3500 SH       DEFINED                3500        0        0
SOUTHWEST AIRLINES CO COM *    COMMON STOCK     844741108     4615   152559 SH       DEFINED              150644     1840       75
SOUTHWEST AIRLINES CO COM *    COMMON STOCK     844741108     1999    66090 SH       OTHER                 59510        0     6580
SOUTHWEST GAS CORP COM         COMMON STOCK     844895102     8671   315297 SH       DEFINED              293750        0    21547
SOUTHWEST GAS CORP COM         COMMON STOCK     844895102      117     4244 SH       OTHER                  2147     1815      282
SOUTHWESTERN ENERGY CO COM     COMMON STOCK     845467109        8     1200 SH       DEFINED                1200        0        0
SPECTRAN CORP COM              COMMON STOCK     847598109        1      344 SH       DEFINED                 344        0        0
SPRINGS INDUSTRIES INC CLASS A COMMON STOCK     851783100       81     3000 SH       DEFINED                3000        0        0
SPRINT CORP COM (FON GROUP)    COMMON STOCK     852061100      335     3419 SH       DEFINED                2669      750        0
SPRINT CORP PCS COM SER I      COMMON STOCK     852061506       76     1709 SH       DEFINED                1334      375        0
ST JOE COMPANY                 COMMON STOCK     790148100      970    40000 SH       DEFINED               40000        0        0
ST. PAUL COS INC COM           COMMON STOCK     792860108       62     2000 SH       OTHER                  2000        0        0
STANDARD PRODUCTS CO COM       COMMON STOCK     853836104        5      306 SH       DEFINED                 306        0        0
STANLEY WORKS COM              COMMON STOCK     854616109      104     4056 SH       OTHER                     0     4056        0
STAPLES INC COM *              COMMON STOCK     855030102     2126    64663 SH       DEFINED               64663        0        0
STAPLES INC COM *              COMMON STOCK     855030102       35     1050 SH       OTHER                  1050        0        0
STARRETT L S CO CLASS A COM    COMMON STOCK     855668109       38     1400 SH       OTHER                     0     1400        0
STARWOOD HOTELS & RESORTS WORL COMMON STOCK     85590A203      164     5729 SH       DEFINED                5529        0      200
STATE STREET CORP              COMMON STOCK     857477103      296     3600 SH       DEFINED                3600        0        0
STEINWAY MUSICAL INSTRUMENTS I COMMON STOCK     858495104      273    12300 SH       DEFINED               12300        0        0
STERIGENICS INTERNATIONAL INC  COMMON STOCK     85915R105       25     2600 SH       DEFINED                2600        0        0
STERLING BANCSHARES INC COM    COMMON STOCK     858907108      573    55250 SH       OTHER                 55250        0        0
STERLING COMMERCE INC COM      COMMON STOCK     859205106        9      300 SH       DEFINED                 300        0        0
STEWART & STEVENSON SERVICES I COMMON STOCK     860342104        2      200 SH       DEFINED                 200        0        0
STONE ENERGY CORP COM          COMMON STOCK     861642106      358    11200 SH       DEFINED               11200        0        0
STORAGE USA INC COM            COMMON STOCK     861907103       23      800 SH       OTHER                     0        0      800
STRYKER CORP COM *             COMMON STOCK     863667101      557    11050 SH       DEFINED               11050        0        0
STRYKER CORP COM *             COMMON STOCK     863667101      282     5600 SH       OTHER                  5600        0        0
SUMMIT BANCSHARES              COMMON STOCK     866011109       62     3544 SH       DEFINED                3544        0        0
SUN MICROSYSTEMS INC COM *     COMMON STOCK     866810104    19666   157253 SH       DEFINED              154103      150     3000
SUN MICROSYSTEMS INC COM *     COMMON STOCK     866810104      396     3170 SH       OTHER                  3170        0        0
SUNGARD DATA SYSTEMS INC COM   COMMON STOCK     867363103      116     2900 SH       DEFINED                1000        0     1900
SUNOCO INC COM                 COMMON STOCK     86764P109        6      166 SH       DEFINED                  66        0      100
SUNOCO INC COM                 COMMON STOCK     86764P109       22      616 SH       OTHER                     0      616        0
SUNSHINE MINING & REFINING CO  COMMON STOCK     867833105        7    14037 SH       DEFINED               14037        0        0
SUNTRUST BANKS INC COM         COMMON STOCK     867914103       98     1581 SH       DEFINED                1581        0        0
SUNTRUST BANKS INC COM         COMMON STOCK     867914103       12      200 SH       OTHER                   200        0        0
SUPERIOR INDUSTRIES INTL INC C COMMON STOCK     868168105       19      819 SH       DEFINED                 819        0        0
SUPERVALU INC COM              COMMON STOCK     868536103      219    10600 SH       DEFINED               10600        0        0
SYBRON INTERNATIONAL CORP COM  COMMON STOCK     87114F106     2125    85018 SH       DEFINED               80518        0     4500
SYSCO CORP COM *               COMMON STOCK     871829107     2016    76630 SH       DEFINED               73630     3000        0
SYSCO CORP COM *               COMMON STOCK     871829107     5074   192820 SH       OTHER                192820        0        0
TACO CABANA INC COM            COMMON STOCK     873425102      492    55800 SH       DEFINED               55800        0        0
TANDY BRANDS ACCESSORIES INC C COMMON STOCK     875378101        0       33 SH       DEFINED                  33        0        0
TANDY CORP COM                 COMMON STOCK     875382103     2526    39584 SH       DEFINED               39584        0        0
TANISYS TECHNOLOGY INC COM     COMMON STOCK     875927105        5     4000 SH       DEFINED                4000        0        0
TCA CABLE TV INC COM           COMMON STOCK     872241104       17      400 SH       DEFINED                   0        0      400
TCI SATELLITE ENTERTAINMENT IN COMMON STOCK     872298104        1     1530 SH       DEFINED                1530        0        0
TECUMSEH PRODUCTS CO CLASS A   COMMON STOCK     878895200      891    17500 SH       DEFINED               17500        0        0
TELLABS INC COM                COMMON STOCK     879664100       20      200 SH       DEFINED                 200        0        0
TELLABS INC COM                COMMON STOCK     879664100        8       85 SH       OTHER                    85        0        0
TEMPLE-INLAND INC COM          COMMON STOCK     879868107    35519   566046 SH       DEFINED              566046        0        0
TEMPLE-INLAND INC COM          COMMON STOCK     879868107    12347   196758 SH       OTHER                195678     1080        0
TENET HEALTHCARE CORP COM      COMMON STOCK     88033G100       29     1550 SH       DEFINED                1550        0        0
TENNECO INC NEW COM *          COMMON STOCK     88037E101      350    12525 SH       DEFINED               12525        0        0
TENNECO INC NEW COM *          COMMON STOCK     88037E101        5      180 SH       OTHER                   180        0        0
TEXACO INC COM *               COMMON STOCK     881694103    13026   229539 SH       DEFINED              225037        0     4502
TEXACO INC COM *               COMMON STOCK     881694103      477     8413 SH       OTHER                  6613     1200      600
TEXAS BIOTECHNOLOGY CORP COM   COMMON STOCK     88221T104       35     7500 SH       DEFINED                2500        0     5000
TEXAS INDUSTRIES INC COM       COMMON STOCK     882491103       40     1600 SH       DEFINED                1600        0        0
TEXAS INDUSTRIES INC COM       COMMON STOCK     882491103       40     1600 SH       OTHER                  1600        0        0
TEXAS INSTRUMENTS INC COM *    COMMON STOCK     882508104     7785    78434 SH       DEFINED               78134      200      100
TEXAS INSTRUMENTS INC COM *    COMMON STOCK     882508104      183     1845 SH       OTHER                  1645        0      200
TEXAS UTILITIES HOLDING CO COM COMMON STOCK     882848104     4362   103863 SH       DEFINED               97733        0     6130
TEXAS UTILITIES HOLDING CO COM COMMON STOCK     882848104      543    12933 SH       OTHER                 12077       56      800
TEXTRON INC COM *              COMMON STOCK     883203101     3002    38795 SH       DEFINED               37795     1000        0
TEXTRON INC COM *              COMMON STOCK     883203101     1572    20320 SH       OTHER                 16720     3600        0
THE MCCLATCHY CO CLASS A COM   COMMON STOCK     579489105      527    15700 SH       DEFINED               15700        0        0
THERMO ECOTEK CORP COM         COMMON STOCK     88355R106        0       33 SH       DEFINED                   0        0       33
THERMO ELECTRON CORP COM *     COMMON STOCK     883556102      330    24342 SH       DEFINED               23765        0      577
THERMO ELECTRON CORP COM *     COMMON STOCK     883556102       20     1450 SH       OTHER                  1450        0        0
THERMO INSTRUMENT SYSTEMS INC  COMMON STOCK     883559106        7      453 SH       DEFINED                   0        0      453
TICKETMASTER ONLINE-CITYSEARCH COMMON STOCK     88633P203        3      100 SH       DEFINED                 100        0        0
TIDEL TECHNOLOGIES INC COM     COMMON STOCK     886368109        4     2000 SH       DEFINED                2000        0        0
TIDEWATER INC COM *            COMMON STOCK     886423102      179     6920 SH       DEFINED                6920        0        0
TIFFANY & CO NEW COM           COMMON STOCK     886547108     2429    32500 SH       DEFINED               32500        0        0
TIME WARNER INC COM            COMMON STOCK     887315109   171799  2426112 SH       DEFINED             2426112        0        0
TIME WARNER INC COM            COMMON STOCK     887315109    62964   889166 SH       OTHER                879566     9600        0
TITAN EXPLORATION INC COM      COMMON STOCK     888289105       38     7500 SH       DEFINED                7500        0        0
TITAN MOTORCYCLE CO OF AMERICA COMMON STOCK     888307105        4     1000 SH       DEFINED                1000        0        0
TITANIUM METALS CORP COM       COMMON STOCK     888339108       20     3500 SH       DEFINED                3500        0        0
TNP ENTERPRISES INC COM        COMMON STOCK     872594106       39     1360 SH       DEFINED                1360        0        0
TNP ENTERPRISES INC COM        COMMON STOCK     872594106       58     2000 SH       OTHER                  2000        0        0
TORCHMARK CORP COM             COMMON STOCK     891027104       76     2400 SH       DEFINED                2400        0        0
TOWER REALTY TRUST INC         COMMON STOCK     89185E109       15      800 SH       DEFINED                 800        0        0
TOYS R US INC COM              COMMON STOCK     892335100      346    18380 SH       DEFINED               18380        0        0
TRANSAMERICA CORP COM *        COMMON STOCK     893485102      639     9000 SH       DEFINED                9000        0        0
TRANSAMERICA CORP COM *        COMMON STOCK     893485102       34      480 SH       OTHER                   480        0        0
TRANSATLANTIC HOLDINGS INC COM COMMON STOCK     893521104       30      400 SH       DEFINED                   0        0      400
TRANSOCEAN OFFSHORE INC COM *  COMMON STOCK     893817106      375    13003 SH       DEFINED               12503        0      500
TRANSOCEAN OFFSHORE INC COM *  COMMON STOCK     893817106       29     1000 SH       OTHER                  1000        0        0
TREADCO INC COM                COMMON STOCK     894545102        1      100 SH       DEFINED                 100        0        0
TRIBUNE CO NEW COM *           COMMON STOCK     896047107      487     7440 SH       DEFINED                7440        0        0
TRIBUNE CO NEW COM *           COMMON STOCK     896047107      131     2000 SH       OTHER                  2000        0        0
TRICON GLOBAL RESTAURANTS INC  COMMON STOCK     895953107      235     3349 SH       DEFINED                3349        0        0
TRICON GLOBAL RESTAURANTS INC  COMMON STOCK     895953107       55      786 SH       OTHER                   186      360      240
TRINITY INDUSTRIES INC COM     COMMON STOCK     896522109        6      200 SH       DEFINED                 200        0        0
TRITON ENERGY LTD CL A         COMMON STOCK     G90751101        1      100 SH       OTHER                   100        0        0
TRW INC COM                    COMMON STOCK     872649108      225     4954 SH       DEFINED                4000        0      954
TRW INC COM                    COMMON STOCK     872649108       36      800 SH       OTHER                     0      800        0
TUBOSCOPE INC COM              COMMON STOCK     898600101      256    28400 SH       DEFINED               28400        0        0
TYCO INTL LTD NEW *            COMMON STOCK     902124106    10757   149923 SH       DEFINED              148243        0     1680
TYCO INTL LTD NEW *            COMMON STOCK     902124106      522     7281 SH       OTHER                  7281        0        0
TYLER CORP DELAWARE COM        COMMON STOCK     902184100       88    20000 SH       DEFINED               20000        0        0
U S FILTER CORP COM            COMMON STOCK     911843209       23      750 SH       DEFINED                 150        0      600
U S HOME CORP COM              COMMON STOCK     911920106       13      400 SH       DEFINED                 400        0        0
U S RESTAURANT PROPERTIES INC  COMMON STOCK     902971100      564    29220 SH       DEFINED               29220        0        0
U S WEST INC NEW COM *         COMMON STOCK     91273H101     1177    21371 SH       DEFINED               20646        0      725
U S WEST INC NEW COM *         COMMON STOCK     91273H101      392     7112 SH       OTHER                  6632        0      480
ULTRAMAR DIAMOND SHAMROCK CORP COMMON STOCK     904000106     4216   194937 SH       DEFINED              183696        0    11241
ULTRAMAR DIAMOND SHAMROCK CORP COMMON STOCK     904000106       40     1853 SH       OTHER                  1718        0      135
ULTRATECH STEPPER INC COM      COMMON STOCK     904034105       25     1800 SH       DEFINED                1800        0        0
UNICOM CORP COM                COMMON STOCK     904911104    14201   388405 SH       DEFINED              358975        0    29430
UNICOM CORP COM                COMMON STOCK     904911104      106     2893 SH       OTHER                  2893        0        0
UNION CARBIDE CORP COM         COMMON STOCK     905581104       45     1005 SH       DEFINED                1005        0        0
UNION CARBIDE CORP COM         COMMON STOCK     905581104        4       82 SH       OTHER                    82        0        0
UNION PACIFIC CORP COM         COMMON STOCK     907818108      123     2300 SH       DEFINED                2300        0        0
UNION PACIFIC RESOURCES GROUP  COMMON STOCK     907834105    22712  1912597 SH       DEFINED             1784883        0   127714
UNION PACIFIC RESOURCES GROUP  COMMON STOCK     907834105      177    14919 SH       OTHER                 14919        0        0
UNION PLANTERS CORP COM        COMMON STOCK     908068109      123     2800 SH       DEFINED                2800        0        0
UNION PLANTERS CORP COM        COMMON STOCK     908068109       13      300 SH       OTHER                   300        0        0
UNISYS CORP COM                COMMON STOCK     909214108      444    16023 SH       DEFINED               16023        0        0
UNITED COMPANIES FINANCIAL COR COMMON STOCK     909870107        0     1000 SH       OTHER                     0        0     1000
UNITED DOMINION REALTY TRUST I COMMON STOCK     910197102       14     1404 SH       DEFINED                   0        0     1404
UNITED FIRE & CASUALTY CO COM  COMMON STOCK     910331107        3      100 SH       DEFINED                 100        0        0
UNITED HEALTHCARE CORP COM *   COMMON STOCK     910581107      833    15820 SH       DEFINED               14720     1100        0
UNITED HEALTHCARE CORP COM *   COMMON STOCK     910581107      240     4560 SH       OTHER                  4560        0        0
UNITED ILLUMINATING CO COM     COMMON STOCK     910637107        4      100 SH       DEFINED                 100        0        0
UNITED ROAD SERVICES INC COM   COMMON STOCK     911384105       87    16700 SH       DEFINED               16700        0        0
UNITED TECHNOLOGIES CORP COM   COMMON STOCK     913017109      653     4825 SH       DEFINED                4575        0      250
UNITED TECHNOLOGIES CORP COM   COMMON STOCK     913017109      286     2112 SH       OTHER                  1600      512        0
UNITRIN INC COM                COMMON STOCK     913275103       63     2000 SH       DEFINED                2000        0        0
UNITRODE CORP COM              COMMON STOCK     913283107       40     2856 SH       DEFINED                2856        0        0
UNITRODE CORP COM              COMMON STOCK     913283107        2      156 SH       OTHER                   156        0        0
UNIVERSAL HEALTH SERVICES INC  COMMON STOCK     913903100       26      600 SH       DEFINED                 600        0        0
UNIVISION COMMUNICATIONS INC C COMMON STOCK     914906102       10      200 SH       DEFINED                 200        0        0
UNOCAL CORP COM *              COMMON STOCK     915289102      539    14623 SH       DEFINED               14623        0        0
UNOCAL CORP COM *              COMMON STOCK     915289102      159     4300 SH       OTHER                  3300        0     1000
UNUM CORP COM                  COMMON STOCK     903192102       14      300 SH       DEFINED                 300        0        0
URBAN SHOPPING CENTERS INC COM COMMON STOCK     917060105        9      300 SH       DEFINED                 300        0        0
USFREIGHTWAYS CORP COM *       COMMON STOCK     916906100      368    11185 SH       DEFINED               11185        0        0
USFREIGHTWAYS CORP COM *       COMMON STOCK     916906100       99     3000 SH       OTHER                  3000        0        0
UST INC COM                    COMMON STOCK     902911106      291    11150 SH       DEFINED               11150        0        0
UST INC COM                    COMMON STOCK     902911106       10      400 SH       OTHER                     0      400        0
USX-MARATHON GROUP COM         COMMON STOCK     902905827       12      450 SH       DEFINED                 450        0        0
USX-MARATHON GROUP COM         COMMON STOCK     902905827        8      300 SH       OTHER                     0        0      300
USX-U. S. STEEL GROUP COM      COMMON STOCK     90337T101       27     1164 SH       DEFINED                1164        0        0
UTILICORP UNITED INC COM       COMMON STOCK     918005109       17      750 SH       DEFINED                 750        0        0
UTILICORP UNITED INC COM       COMMON STOCK     918005109       17      750 SH       OTHER                   750        0        0
V. F. CORP COM                 COMMON STOCK     918204108      124     2600 SH       OTHER                  2600        0        0
VALERO ENERGY CORP NEW COM     COMMON STOCK     91913Y100       32     1300 SH       DEFINED                1300        0        0
VARCO INTERNATIONAL INC COM    COMMON STOCK     922126107      444    39900 SH       DEFINED               39900        0        0
VARI-LITE INTERNATIONAL INC CO COMMON STOCK     922152103      445   165574 SH       DEFINED              165574        0        0
VENTAS INC COM                 COMMON STOCK     92276F100     9587  1597878 SH       DEFINED             1497484        0   100394
VENTAS INC COM                 COMMON STOCK     92276F100       56     9269 SH       OTHER                  9269        0        0
VERITAS SOFTWARE CORP COM      COMMON STOCK     923436109       40      500 SH       DEFINED                   0        0      500
VIACOM INC CLASS B COM         COMMON STOCK     925524308       75      899 SH       DEFINED                 899        0        0
VIASAT INC COM                 COMMON STOCK     92552V100       27     3000 SH       OTHER                  3000        0        0
VISHAY INTERTECHNOLOGY INC COM COMMON STOCK     928298108       14      988 SH       DEFINED                 988        0        0
VIVUS INC COM                  COMMON STOCK     928551100        4     1000 SH       DEFINED                1000        0        0
VLASIC FOODS INTERNATIONAL INC COMMON STOCK     928559103        2      177 SH       OTHER                     0      177        0
VTEL CORP COM                  COMMON STOCK     918333105        3     1000 SH       DEFINED                1000        0        0
WACHOVIA CORP COM *            COMMON STOCK     929771103       63      775 SH       DEFINED                 775        0        0
WADDELL & REED FINANCIAL INC C COMMON STOCK     930059100        3      136 SH       DEFINED                 136        0        0
WADDELL & REED FINANCIAL INC C COMMON STOCK     930059209       12      587 SH       DEFINED                 587        0        0
WAL MART STORES INC COM *      COMMON STOCK     931142103    14114   153105 SH       DEFINED              150255      100     2750
WAL MART STORES INC COM *      COMMON STOCK     931142103     2366    25670 SH       OTHER                 25470        0      200
WALDEN RESIDENTIAL PROPERTIES  COMMON STOCK     931210108     9838   558198 SH       DEFINED              528402        0    29796
WALDEN RESIDENTIAL PROPERTIES  COMMON STOCK     931210108       96     5424 SH       OTHER                  5424        0        0
WALGREEN CO COM                COMMON STOCK     931422109       74     2604 SH       DEFINED                1782        0      822
WALGREEN CO COM                COMMON STOCK     931422109       16      550 SH       OTHER                   550        0        0
WALLACE COMPUTER SERVICES INC  COMMON STOCK     932270101      476    24000 SH       DEFINED               24000        0        0
WARNER-LAMBERT CO COM *        COMMON STOCK     934488107    11571   174655 SH       DEFINED              173695        0      960
WARNER-LAMBERT CO COM *        COMMON STOCK     934488107      289     4364 SH       OTHER                  4364        0        0
WARWICK COMMUNITY BANCORP INC  COMMON STOCK     936559103        5      360 SH       DEFINED                 360        0        0
WASHINGTON FEDERAL INC COM     COMMON STOCK     938824109    10659   507578 SH       DEFINED              488793        0    18785
WASHINGTON FEDERAL INC COM     COMMON STOCK     938824109       79     3772 SH       OTHER                  3772        0        0
WASHINGTON GAS LIGHT CO COM    COMMON STOCK     938837101       27     1200 SH       DEFINED                   0        0     1200
WASHINGTON GAS LIGHT CO COM    COMMON STOCK     938837101        9      400 SH       OTHER                     0      400        0
WASHINGTON MUTUAL INC COM      COMMON STOCK     939322103      241     5900 SH       DEFINED                5900        0        0
WASHINGTON MUTUAL INC COM      COMMON STOCK     939322103      100     2443 SH       OTHER                     0     2443        0
WASTE MANAGEMENT DEL INC COM   COMMON STOCK     94106L109     1580    35614 SH       DEFINED               33614        0     2000
WD 40 CO COM                   COMMON STOCK     929236107       29     1000 SH       DEFINED                1000        0        0
WEATHERFORD INTERNATIONAL INC  COMMON STOCK     947074100      650    24885 SH       DEFINED               24885        0        0
WEINGARTEN REALTY INVESTORS SB COMMON STOCK     948741103       20      500 SH       DEFINED                 500        0        0
WELLMAN INC COM *              COMMON STOCK     949702104        6      650 SH       DEFINED                 650        0        0
WELLS FARGO & CO NEW COM *     COMMON STOCK     949746101     6433   183482 SH       DEFINED              178882      400     4200
WELLS FARGO & CO NEW COM *     COMMON STOCK     949746101      861    24570 SH       OTHER                 18100     4000     2470
WENDY'S INTERNATIONAL INC COM  COMMON STOCK     950590109     1603    56360 SH       DEFINED               54330        0     2030
WENDY'S INTERNATIONAL INC COM  COMMON STOCK     950590109       53     1860 SH       OTHER                  1860        0        0
WEST PHARMACEUTICAL SVCS INC C COMMON STOCK     955306105        4      135 SH       OTHER                     0      135        0
WESTAMERICA BANCORPORATION     COMMON STOCK     957090103      468    14800 SH       DEFINED               14800        0        0
WESTERN RESOURCES INC COM      COMMON STOCK     959425109      109     4100 SH       DEFINED                4100        0        0
WEYERHAEUSER CO COM *          COMMON STOCK     962166104        6      100 SH       DEFINED                 100        0        0
WEYERHAEUSER CO COM *          COMMON STOCK     962166104        6      100 SH       OTHER                     0        0      100
WHITE CAP INDUSTRIES INC COM   COMMON STOCK     963505102      245    22300 SH       DEFINED               22300        0        0
WHITMAN CORP COM               COMMON STOCK     96647K102      227    13200 SH       DEFINED               13200        0        0
WHOLE FOODS MARKET INC COM     COMMON STOCK     966837106       14      400 SH       DEFINED                 400        0        0
WICOR INC COM *                COMMON STOCK     929253102      628    31000 SH       DEFINED               31000        0        0
WICOR INC COM *                COMMON STOCK     929253102       32     1600 SH       OTHER                  1600        0        0
WILLAMETTE INDUSTRIES INC COM  COMMON STOCK     969133107      914    24200 SH       DEFINED               24200        0        0
WILLAMETTE INDUSTRIES INC COM  COMMON STOCK     969133107      332     8800 SH       OTHER                     0     8800        0
WILLIAMS COS COM *             COMMON STOCK     969457100     1029    26042 SH       DEFINED               26042        0        0
WILLIAMS COS COM *             COMMON STOCK     969457100     1246    31548 SH       OTHER                 31548        0        0
WILLIAMS SONOMA INC COM        COMMON STOCK     969904101      345    12200 SH       DEFINED               12200        0        0
WINN DIXIE STORES INC COM      COMMON STOCK     974280109       26      700 SH       OTHER                   700        0        0
WISCONSIN ENERGY CORP COM      COMMON STOCK     976657106       80     3084 SH       DEFINED                3084        0        0
WORTHINGTON INDS INC COM (OHIO COMMON STOCK     981811102      106     9000 SH       DEFINED                9000        0        0
WPS RESOURCES CORP COM         COMMON STOCK     92931B106       15      500 SH       OTHER                   500        0        0
WRIGLEY WM JR CO COM           COMMON STOCK     982526105       63      700 SH       DEFINED                 700        0        0
WRIGLEY WM JR CO COM           COMMON STOCK     982526105      136     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     1546    29650 SH       DEFINED               29650        0        0
XEROX CORP COM                 COMMON STOCK     984121103      117     2250 SH       OTHER                  2250        0        0
XOOM.COM INC COM               COMMON STOCK     98413F101        7      100 SH       DEFINED                 100        0        0
XTRA CORP COM                  COMMON STOCK     984138107      138     3595 SH       DEFINED                3595        0        0
YAHOO! INC COM                 COMMON STOCK     984332106      280     1665 SH       DEFINED                 665        0     1000
3COM CORP COM                  COMMON STOCK     885535104       34     1475 SH       DEFINED                1200      275        0
EDISON BROS STORES WTS EXP   9 COMMON STOCK     280875113        0       11 SH       OTHER                     0        0       11
FFP PARTNERS LP RTS            COMMON STOCK     30242M114        0     1000 SH       DEFINED                1000        0        0
IMC GLOBAL WT EXP 00           COMMON STOCK     449669118        0       11 SH       DEFINED                  11        0        0
ACE LTD                        COMMON STOCK     G0070K103      585    18755 SH       DEFINED               18755        0        0
AEGON N V ORD ADR              COMMON STOCK     007924103       93     1040 SH       DEFINED                1040        0        0
AGRIUM INC COM                 COMMON STOCK     008916108    14823  1613384 SH       DEFINED             1532275        0    81109
AGRIUM INC COM                 COMMON STOCK     008916108      125    13610 SH       OTHER                 13610        0        0
AKZO NOBEL N V SPONSORED ADR   COMMON STOCK     010199305      185     5000 SH       DEFINED                5000        0        0
ALCATEL SPONSORED ADRS         COMMON STOCK     013904305        7      320 SH       DEFINED                 320        0        0
ASTRA AB SPONSORED ADR A       COMMON STOCK     046298105      390    17000 SH       DEFINED               17000        0        0
AXA S.A. SPONSORED ADR         COMMON STOCK     054536107      331     5000 SH       DEFINED                5000        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      215    12600 SH       DEFINED               12600        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     3975    39355 SH       DEFINED               38151        0     1204
BP AMOCO PLC SPONSORED ADR*    COMMON STOCK     055622104     2843    28149 SH       OTHER                 21801     3835     2513
BRITISH AIRWAYS PLC SPONSORED  COMMON STOCK     110419306      275     4000 SH       DEFINED                4000        0        0
BRITISH AMERICAN TOBACCO PLC S COMMON STOCK     110448107        5      295 SH       DEFINED                 295        0        0
BRITISH STEEL PLC ADR          COMMON STOCK     111015301     9894   490116 SH       DEFINED              460691        0    29425
BRITISH STEEL PLC ADR          COMMON STOCK     111015301       76     3761 SH       OTHER                  3761        0        0
BRITISH TELECOMMUNICATIONS PLC COMMON STOCK     111021408      394     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    12031   216294 SH       DEFINED              206325        0     9969
CANADIAN NATIONAL RAILWAY CO   COMMON STOCK     136375102       85     1537 SH       OTHER                  1537        0        0
CANADIAN PACIFIC LTD NEW COM   COMMON STOCK     135923100      245    12500 SH       DEFINED               12500        0        0
CANADIAN PACIFIC LTD NEW COM   COMMON STOCK     135923100       84     4300 SH       OTHER                  4300        0        0
CHECK POINT SOFTWARE TECHNOLOG COMMON STOCK     M22465104       65     1500 SH       DEFINED                1000        0      500
CLEARLY CANADIAN BEVERAGE CORP COMMON STOCK     184901205        3     1553 SH       DEFINED                1553        0        0
COMPANHIA CERVEJARIA BRAHMA SP COMMON STOCK     20440X103        4      460 SH       DEFINED                 460        0        0
DAIMLERCHRYSLER AG ORD         COMMON STOCK     D1668R123      286     3338 SH       DEFINED                3089        0      249
DAIMLERCHRYSLER AG ORD         COMMON STOCK     D1668R123       24      279 SH       OTHER                   279        0        0
DE BEERS CONS MINES LIMITED AD COMMON STOCK     240253302       10      540 SH       DEFINED                 540        0        0
DEUTSCHE TELEKOM AG SPONSORED  COMMON STOCK     251566105      263     6500 SH       DEFINED                6500        0        0
DIAGEO PLC SPONSORED ADR       COMMON STOCK     25243Q205       17      362 SH       DEFINED                 362        0        0
DSG INTERNATIONAL LIMITED ORD  COMMON STOCK     G28471103       48    16000 SH       DEFINED               16000        0        0
EDPERBRASCAN CORP CLASS A      COMMON STOCK     280905803       23     1904 SH       DEFINED                1904        0        0
ELF AQUITAINE SPONSORED ADR    COMMON STOCK     286269105      316     4700 SH       DEFINED                4700        0        0
ENDESA S.A. SPONSORED ADR      COMMON STOCK     29258N107      435    17500 SH       DEFINED               17500        0        0
ENI SPA SONSORED ADR           COMMON STOCK     26874R108      189     3000 SH       DEFINED                3000        0        0
ENTERPRISE OIL PLC SPONSORED A COMMON STOCK     293779302    16849   962785 SH       DEFINED              900258        0    62527
ENTERPRISE OIL PLC SPONSORED A COMMON STOCK     293779302      128     7335 SH       OTHER                  7335        0        0
ERICSSON L M TEL CO ADR CLASS  COMMON STOCK     294821400       31     1300 SH       DEFINED                1300        0        0
FRESENIUS MEDICAL CARE ADR     COMMON STOCK     358029106        4      183 SH       DEFINED                 183        0        0
FRESENIUS MEDICAL CARE ADR     COMMON STOCK     358029106       63     3107 SH       OTHER                  3107        0        0
GALLAHER GROUP PLC ADR         COMMON STOCK     363595109      598    25442 SH       DEFINED               24962        0      480
GLAXO WELLCOME PLC             COMMON STOCK     37733W105      547     8175 SH       DEFINED                7875        0      300
GLAXO WELLCOME PLC             COMMON STOCK     37733W105        8      117 SH       OTHER                     0        0      117
GROUPE DANONE SPONSORED ADR    COMMON STOCK     399449107       10      210 SH       DEFINED                 210        0        0
HANSON PLC NEW SPONSORED ADR   COMMON STOCK     411352404      185     4200 SH       DEFINED                4200        0        0
HITACHI LTD ADR                COMMON STOCK     433578507      232     3190 SH       DEFINED                3190        0        0
HONDA MOTOR CO LTD SPONSORED A COMMON STOCK     438128308      267     3000 SH       DEFINED                3000        0        0
IMPERIAL CHEMICAL INDS PLC ADR COMMON STOCK     452704505        4      100 SH       OTHER                     0        0      100
ING GROEP N V SPONSORED ADR    COMMON STOCK     456837103      192     3500 SH       DEFINED                3500        0        0
INSTITUTO BANC SAN PAOLO SPONS COMMON STOCK     465224103      288     9000 SH       DEFINED                9000        0        0
IPC HOLDINGS LIMITED           COMMON STOCK     G4933P101     8428   424073 SH       DEFINED              398852        0    25221
IPC HOLDINGS LIMITED           COMMON STOCK     G4933P101       63     3148 SH       OTHER                  3148        0        0
KLM ROYAL DUTCH AIRLINES COM N COMMON STOCK     482516101        3      100 SH       DEFINED                   0        0      100
KNIGHTSBRIDGE TANKERS LTD      COMMON STOCK     G5299G106       17     1000 SH       OTHER                     0        0     1000
KONINKLIJKE AHOLD NV SPONSORED COMMON STOCK     500467303        8      202 SH       DEFINED                 202        0        0
KONINKLIJKE PHILIPS ELECTRS N  COMMON STOCK     500472105      268     3250 SH       DEFINED                3250        0        0
LASALLE RE HOLDINGS LTD        COMMON STOCK     G5383Q101     2491   168860 SH       DEFINED              153119        0    15741
LASALLE RE HOLDINGS LTD        COMMON STOCK     G5383Q101       24     1609 SH       OTHER                  1609        0        0
LOEWEN GROUP INC COM           COMMON STOCK     54042L100        1      800 SH       DEFINED                 800        0        0
LVMH MOET HENNESSY LOUIS VUITT COMMON STOCK     502441207        2       48 SH       DEFINED                  48        0        0
MACMILLAN BLOEDEL LTD          COMMON STOCK     554783209      197    17500 SH       DEFINED               17500        0        0
NEWS CORP LIMITED ADR NEW      COMMON STOCK     652487703        6      200 SH       DEFINED                 200        0        0
NOKIA CORP SPONSORED PREFER    COMMON STOCK     654902204      506     3250 SH       DEFINED                2250        0     1000
NORSK HYDRO A. S. SPONSORED AD COMMON STOCK     656531605    27712   686355 SH       DEFINED              638954        0    47401
NORSK HYDRO A. S. SPONSORED AD COMMON STOCK     656531605      237     5881 SH       OTHER                  5049      793       39
NORTHERN TELECOM LIMITED COM * COMMON STOCK     665815106     9101   146489 SH       DEFINED              142134        0     4355
NORTHERN TELECOM LIMITED COM * COMMON STOCK     665815106      325     5224 SH       OTHER                  5224        0        0
NOVA CHEMICALS CORP COM        COMMON STOCK     66977W109     1917   114467 SH       DEFINED              107155        0     7312
NOVA CHEMICALS CORP COM        COMMON STOCK     66977W109       14      815 SH       OTHER                   815        0        0
NOVO-NORDISK A/S SPONSORED ADR COMMON STOCK     670100205      245     4500 SH       DEFINED                4500        0        0
PARTNERRE LTD.                 COMMON STOCK     G6852T105    14102   348203 SH       DEFINED              321738        0    26465
PARTNERRE LTD.                 COMMON STOCK     G6852T105      108     2660 SH       OTHER                  1989      671        0
PETROLEUM GEO SERVICES A/S SPO COMMON STOCK     716597109       31     2000 SH       DEFINED                   0        0     2000
PHILIP SERVICES CORP COM       COMMON STOCK     71819M103       16    60000 SH       DEFINED               60000        0        0
PLACER DOME INC COM            COMMON STOCK     725906101       44     3900 SH       OTHER                  3900        0        0
PORTUGAL TELECOM S.A. ADR      COMMON STOCK     737273102      372     8500 SH       DEFINED                8500        0        0
POTASH CORP SASK INC COM *     COMMON STOCK     73755L107     1347    25175 SH       DEFINED               25025      150        0
POTASH CORP SASK INC COM *     COMMON STOCK     73755L107       62     1150 SH       OTHER                  1150        0        0
POWERGEN PLC SPONS ADR-FINAL I COMMON STOCK     738905405      386     8500 SH       DEFINED                8500        0        0
RANGER OIL LTD COM             COMMON STOCK     752805101     6405  1601284 SH       DEFINED             1499452        0   101832
RANGER OIL LTD COM             COMMON STOCK     752805101       48    11880 SH       OTHER                 11880        0        0
RENAISSANCE RE HOLDINGS LTD CO COMMON STOCK     G7496G103    16179   463071 SH       DEFINED              447505        0    15566
RENAISSANCE RE HOLDINGS LTD CO COMMON STOCK     G7496G103      113     3221 SH       OTHER                  3221        0        0
REPSOL S A SPONSORED ADR       COMMON STOCK     76026T205      359     7000 SH       DEFINED                7000        0        0
REUTERS GROUP PLC SPONSORED AD COMMON STOCK     76132M102      117     1342 SH       DEFINED                1342        0        0
RHONE-POULENC SA SPONSORED ADR COMMON STOCK     762426609        4      100 SH       DEFINED                 100        0        0
ROYAL DUTCH PETROLEUM CO NY SH COMMON STOCK     780257804     2151    41372 SH       DEFINED               41372        0        0
ROYAL DUTCH PETROLEUM CO NY SH COMMON STOCK     780257804      221     4250 SH       OTHER                  3450        0      800
SAP AKTIENGESELLSCHAFT SPONSOR COMMON STOCK     803054204        3      100 SH       DEFINED                 100        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      345     8500 SH       DEFINED                8500        0        0
SHELL TRANS & TRADING PLC NY S COMMON STOCK     822703609       24      600 SH       OTHER                     0      600        0
SMITHKLINE BEECHAM PLC ADR CLA COMMON STOCK     832378301      787    11000 SH       DEFINED                8700        0     2300
SMITHKLINE BEECHAM PLC ADR CLA COMMON STOCK     832378301      286     4000 SH       OTHER                  4000        0        0
SONY CORP AMERICAN SHARES NEW  COMMON STOCK     835699307      137     1500 SH       DEFINED                1500        0        0
STEINER LEISURE LTD            COMMON STOCK     P8744Y102      458    14900 SH       DEFINED               14900        0        0
TALISMAN ENERGY INC COM        COMMON STOCK     87425E103      366    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      379     3630 SH       DEFINED                3630        0        0
TELEFONICA S A SPONSORED ADR   COMMON STOCK     879382208      103      805 SH       OTHER                     0      805        0
TELEFONOS DE MEXICO S A ADR NO COMMON STOCK     879403400       22     6880 SH       DEFINED                   0        0     6880
TELEFONOS DE MEXICO S A SPON O COMMON STOCK     879403780       26      389 SH       DEFINED                 250        0      139
TRANSCANADA PIPELINES LIMITED  COMMON STOCK     893526103     7349   573574 SH       DEFINED              537000        0    36574
TRANSCANADA PIPELINES LIMITED  COMMON STOCK     893526103       53     4102 SH       OTHER                  4102        0        0
TRANSPORTACION MARITIMA MEXICA COMMON STOCK     893868208        6     1000 SH       DEFINED                1000        0        0
UNILEVER N V NEW YORK SHARES * COMMON STOCK     904784501     3682    55415 SH       DEFINED               54485        0      930
UNILEVER N V NEW YORK SHARES * COMMON STOCK     904784501      789    11880 SH       OTHER                 11680        0      200
VOLVO AKTIEBOLAGET ADR         COMMON STOCK     928856400      194     7500 SH       DEFINED                7500        0        0
YPF SOCIEDAD ANONIMA SPONSORED COMMON STOCK     984245100    14484   458904 SH       DEFINED              419074        0    39830
YPF SOCIEDAD ANONIMA SPONSORED COMMON STOCK     984245100       80     2527 SH       OTHER                  2479       48        0
MIDLAND BANK PLC 9.125% SERIES PREFERRED STOCK  597433861       40     1500 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STANLEY PLC 8.20% SERIE PREFERRED STOCK  616906707      179     7000 SH       DEFINED             N.A.     N.A.     N.A.
AIRTOUCH COMM 4.25% CONV SER C PREFERRED STOCK  00949T308     1627    12100 SH       DEFINED             N.A.     N.A.     N.A.
AIRTOUCH COMM 4.25% CONV SER C PREFERRED STOCK  00949T308      108      800 SH       OTHER               N.A.     N.A.     N.A.
ATLANTIC RICHFIELD CO PFD CONV PREFERRED STOCK  048825400       30      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      592    12300 SH       DEFINED             N.A.     N.A.     N.A.
MICROSOFT CORP 2.1960 SER A CO PREFERRED STOCK  594918203      493     5000 SH       DEFINED             N.A.     N.A.     N.A.
PRIME RETAIL 8.5% SER B CONV P PREFERRED STOCK  741570303     2954   184643 SH       DEFINED             N.A.     N.A.     N.A.
PRIME RETAIL 8.5% SER B CONV P PREFERRED STOCK  741570303       18     1122 SH       OTHER               N.A.     N.A.     N.A.
SEALED AIR CORP NEW SER A $2 P PREFERRED STOCK  81211K209        4       83 SH       DEFINED             N.A.     N.A.     N.A.
SEALED AIR CORP NEW SER A $2 P PREFERRED STOCK  81211K209       70     1406 SH       OTHER               N.A.     N.A.     N.A.
UNISYS CORP PFD SER A CONV $3. PREFERRED STOCK  909214207        3       66 SH       DEFINED             N.A.     N.A.     N.A.
USX CORP 6.5% SERIES X CONV PF PREFERRED STOCK  902905819       10      200 SH       DEFINED             N.A.     N.A.     N.A.
WENDYS FINANCING I 5.0% A CONV PREFERRED STOCK  950588202      488     8100 SH       DEFINED             N.A.     N.A.     N.A.
ADAMS EXPRESS CO               OTHER            006212104      148     5442 SH       DEFINED             N.A.     N.A.     N.A.
ALLIANCE ALL-MARKET ADVANTAGE  OTHER            01852M108      244     5000 SH       DEFINED             N.A.     N.A.     N.A.
CENTRAL EUROPEAN EQUITY FUND I OTHER            153436100       13     1083 SH       OTHER               N.A.     N.A.     N.A.
DUFF & PHELPS UTILS INCOME INC OTHER            264324104      129    12000 SH       DEFINED             N.A.     N.A.     N.A.
DUFF & PHELPS UTILS INCOME INC OTHER            264324104        5      505 SH       OTHER               N.A.     N.A.     N.A.
EQUUS II INC COM               OTHER            294766100        4      281 SH       DEFINED             N.A.     N.A.     N.A.
FIRST FINANCIAL FUND           OTHER            320228109        5      630 SH       OTHER               N.A.     N.A.     N.A.
FIRST ISRAEL FUND INC          OTHER            32063L100       52     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        1      125 SH       DEFINED             N.A.     N.A.     N.A.
JAPAN OTC EQUITY FUND          OTHER            471091108      194    25300 SH       DEFINED             N.A.     N.A.     N.A.
JOHN HANCOCK PATRIOT PREM DIV  OTHER            41013T105       22     2000 SH       OTHER               N.A.     N.A.     N.A.
LATIN AMERICAN INVESTMENT FD I OTHER            518279104       17     1643 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STANLEY ASIA-PACIFIC FU OTHER            61744U106       64     8000 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STANLEY INDIA INVT FD I OTHER            61745C105      169    18500 SH       DEFINED             N.A.     N.A.     N.A.
TRI-CONTINENTAL CORP COM       OTHER            895436103      116     4000 SH       DEFINED             N.A.     N.A.     N.A.
ZWEIG FUND INC COM             OTHER            989834106       24     2285 SH       DEFINED             N.A.     N.A.     N.A.
ACM GOVERNMENT INCOME FUND INC OTHER            000912105      132    15666 SH       DEFINED             N.A.     N.A.     N.A.
ALL AMERICAN TERM TRUST INC    OTHER            016440109       35     2620 SH       DEFINED             N.A.     N.A.     N.A.
BLACKROCK INCOME TRUST INC COM OTHER            09247F100       51     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.
HIGH INCOME OPPORTUNITY FUND,  OTHER            42967Q105       20     1858 SH       DEFINED             N.A.     N.A.     N.A.
HYPERION TOTAL RETURN FUND INC OTHER            449145101       36     4200 SH       DEFINED             N.A.     N.A.     N.A.
HYPERION 1999 TERM TRUST INC C OTHER            448913103       47     6500 SH       DEFINED             N.A.     N.A.     N.A.
INA INVESTMENT SECURITIES *    OTHER            449764109       72     4500 SH       DEFINED             N.A.     N.A.     N.A.
KEMPER MULTI-MARKET INCOME TRU OTHER            48842B106        9     1000 SH       DEFINED             N.A.     N.A.     N.A.
MFS CHARTERED INCOME TRUST SBI OTHER            552727109       19     2000 SH       OTHER               N.A.     N.A.     N.A.
MONTGOMERY STR INCOME SECS INC OTHER            614115103       29     1500 SH       DEFINED             N.A.     N.A.     N.A.
PACHOLDER FD INC COM           OTHER            693742108      197    13325 SH       DEFINED             N.A.     N.A.     N.A.
PIMCO COMMERCIAL MTG SECURITIE OTHER            693388100        9      667 SH       DEFINED             N.A.     N.A.     N.A.
PIONEER INTEREST SHARES INC CO OTHER            723703104      166    12500 SH       DEFINED             N.A.     N.A.     N.A.
PUTNAM MASTER INTER INCOME TRU OTHER            746909100      190    25957 SH       DEFINED             N.A.     N.A.     N.A.
PUTNAM MASTER INTER INCOME TRU OTHER            746909100       14     1914 SH       OTHER               N.A.     N.A.     N.A.
PUTNAM PREMIER INCOME TRUST SB OTHER            746853100       12     1606 SH       DEFINED             N.A.     N.A.     N.A.
TEMPLETON EMERGING MKTS INC FD OTHER            880192109       14     1400 SH       DEFINED             N.A.     N.A.     N.A.
TEMPLETON GLOBAL INCOME FUND I OTHER            880198106       20     3000 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       29     1500 SH       DEFINED             N.A.     N.A.     N.A.
VAN KAMPEN CAPITAL SENIOR INC  OTHER            920961109       93    10100 SH       DEFINED             N.A.     N.A.     N.A.
VESTAUR SECURITIES INC *       OTHER            925464109       64     4500 SH       DEFINED             N.A.     N.A.     N.A.
ACM MUNICIPAL SECS INCOME FD I OTHER            000942102       20     1500 SH       DEFINED             N.A.     N.A.     N.A.
BLACKROCK INSD MUN 2008 TERM T OTHER            09247K109      118     7450 SH       DEFINED             N.A.     N.A.     N.A.
BLACKROCK INSD MUN 2008 TERM T OTHER            09247K109      106     6700 SH       OTHER               N.A.     N.A.     N.A.
BLACKROCK MUNICIPAL TARGET TER OTHER            09247M105       22     2010 SH       DEFINED             N.A.     N.A.     N.A.
COLONIAL MUNICIPAL INCOME TRUS OTHER            195799101        8     1000 SH       OTHER               N.A.     N.A.     N.A.
DREYFUS MUNICIPAL INCOME INC C OTHER            26201R102       21     2361 SH       DEFINED             N.A.     N.A.     N.A.
DREYFUS STRATEGIC MUNI BOND FU OTHER            26202F107      196    21288 SH       DEFINED             N.A.     N.A.     N.A.
DREYFUS STRATEGIC MUNICIPALS I OTHER            261932107      307    32284 SH       DEFINED             N.A.     N.A.     N.A.
DUFF & PHELPS UTILS T/F INCOME OTHER            264325101       11      650 SH       DEFINED             N.A.     N.A.     N.A.
INSURED MUNI INCOME FUND       OTHER            45809F104        8      581 SH       OTHER               N.A.     N.A.     N.A.
INVESTMENT GRADE MUNICIPAL INC OTHER            461368102       81     5124 SH       DEFINED             N.A.     N.A.     N.A.
INVESTMENT GRADE MUNICIPAL INC OTHER            461368102       19     1214 SH       OTHER               N.A.     N.A.     N.A.
KEMPER MUNICIPAL INCOME TR COM OTHER            48842C104        2      125 SH       DEFINED             N.A.     N.A.     N.A.
MANAGED MUNICIPAL PORTFOLIO II OTHER            561663105       20     1874 SH       DEFINED             N.A.     N.A.     N.A.
MANAGED MUNICIPAL PORTFOLIO IN OTHER            561662107       19     1763 SH       DEFINED             N.A.     N.A.     N.A.
MFS MUNICIPAL INCOME TRUST     OTHER            552738106      226    26171 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STAN DEAN WITT INSD MUN OTHER            61745P866      125     8000 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STAN DEAN WITT MUNI INC OTHER            61745P452        5      500 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STAN DEAN WITTER MUNI I OTHER            61745P478       10     1075 SH       DEFINED             N.A.     N.A.     N.A.
MUNIENHANCED FUND INC COM      OTHER            626243109       23     2000 SH       OTHER               N.A.     N.A.     N.A.
MUNIVEST FUND INC COM          OTHER            626295109       25     2500 SH       OTHER               N.A.     N.A.     N.A.
MUNIYIELD FUND INC COM         OTHER            626299101       29     1900 SH       OTHER               N.A.     N.A.     N.A.
MUNIYIELD INSURED FUND INC COM OTHER            62630E107       31     2000 SH       OTHER               N.A.     N.A.     N.A.
MUNIYIELD N Y INSD FD II INC C OTHER            62630P102       53     3544 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INSD MUN OPPORTUNITY FD OTHER            670984103       75     4550 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INSD MUN OPPORTUNITY FD OTHER            670984103       21     1288 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN INSD PREM INCOME MUN FD OTHER            6706D8104       55     4000 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INSD PREM INCOME MUN FD OTHER            6706D8104       55     4000 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN INSD QUALITY MUNICIPAL  OTHER            67062N103       47     2950 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INSD QUALITY MUNICIPAL  OTHER            67062N103       47     2950 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN INVT QUALITY MUN FD INC OTHER            67062E103       68     4300 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNI ADVANTAGE FUND INC OTHER            67062H106       33     2000 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNI MKT OPPORTUNITY FU OTHER            67062W103      227    13750 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNI MKT OPPORTUNITY FU OTHER            67062W103       78     4750 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN MUNICIPAL INCOME FUND   OTHER            67062J102       18     1500 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNICIPAL VALUE FUND IN OTHER            670928100      291    29460 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNICIPAL VALUE FUND IN OTHER            670928100       39     3902 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN PERFORMANCE PLUS MUN FD OTHER            67062P108      459    30250 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PREM INCOME MUN FD 2 IN OTHER            67063W102      134     8200 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PREMIER MUN INCOME FD I OTHER            670988104       40     2500 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PREMIER MUN INCOME FD I OTHER            670988104       40     2500 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN PREMIUM INCOME MUN FD I OTHER            67062T100      373    24866 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PREMIUM INCOME MUN FD I OTHER            67062T100       11      700 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN PREMIUM INCOME MUNICIPA OTHER            6706K4105       31     2133 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN QUALITY INCOME MUN FD I OTHER            670977107       28     1700 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN QUALITY INCOME MUN FD I OTHER            670977107       28     1700 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN SELECT MATURITIES MUNI  OTHER            67061T101       47     4000 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN SELECT MATURITIES MUNI  OTHER            67061T101       47     4000 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN SELECT QUALITY MUN FD I OTHER            670973106       71     4500 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN SELECT QUALITY MUN FD I OTHER            670973106       70     4429 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN SELECT TAX FREE INCOME  OTHER            67063C106       52     3250 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN SELECT TAX FREE INCOME  OTHER            67063C106       52     3250 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN TEX QUALITY INCOME MUN  OTHER            670983105      279    17667 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN TEX QUALITY INCOME MUN  OTHER            670983105      146     9241 SH       OTHER               N.A.     N.A.     N.A.
SELIGMAN SELECT MUNICIPAL FUND OTHER            816344105       15     1250 SH       DEFINED             N.A.     N.A.     N.A.
SELIGMAN SELECT MUNICIPAL FUND OTHER            816344105       15     1250 SH       OTHER               N.A.     N.A.     N.A.
VAN KAMPEN CALIFORNIA QUAL MUN OTHER            920920105       18     1000 SH       OTHER               N.A.     N.A.     N.A.
VAN KAMPEN MUNICIPAL OPPORTUNI OTHER            920935103       11      670 SH       DEFINED             N.A.     N.A.     N.A.
VAN KAMPEN MUNICIPAL TRUST     OTHER            920919107      113     6910 SH       DEFINED             N.A.     N.A.     N.A.
HANCOCK JOHN INVESTORS TRUST   OTHER            410142103       31     1500 SH       DEFINED             N.A.     N.A.     N.A.
MEXICO EQUITY & INCOME FUND CO OTHER            592834105        6      850 SH       DEFINED             N.A.     N.A.     N.A.
ZWEIG TOTAL RETURN FUND INC CO OTHER            989837109        8     1000 SH       DEFINED             N.A.     N.A.     N.A.
MESA OFFSHORE TR               OTHER            590650107        0     1000 SH       DEFINED                1000        0        0
BUCKEYE PARTNERS L P UNIT      OTHER            118230101      888    32598 SH       DEFINED               32598        0        0
DORCHESTER HUGOTON LTD DEP RCP OTHER            258205202       16     1600 SH       DEFINED                1600        0        0
EOTT ENERGY PARTNERS L P       OTHER            294103106       52     3000 SH       DEFINED                3000        0        0
HALLWOOD ENERGY PARTNERS L P U OTHER            40636P201        0       23 SH       DEFINED                  23        0        0
HALLWOOD ENERGY PARTNERS LP CL OTHER            40636P300        0        1 SH       DEFINED                   1        0        0
KANEB PIPE LINE PARTNERS L P U OTHER            484169107       90     2900 SH       DEFINED                2900        0        0
KINDER MORGAN ENERGY PARTNERS  OTHER            494550106       28      800 SH       OTHER                     0        0      800
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
PHOSPHATE RESOURCE PARTNERS LT OTHER            719217101     2094   178245 SH       DEFINED              156150        0    22095
PHOSPHATE RESOURCE PARTNERS LT OTHER            719217101       58     4965 SH       OTHER                  4965        0        0
PIMCO ADVISORS HOLDINGS LP UNI OTHER            69338P102      378    12018 SH       DEFINED               12018        0        0
PLUM CREEK TIMBER CO L P DEP U OTHER            729237107       31     1100 SH       DEFINED                1100        0        0
SABINE ROYALTY TRUST UNITS BEN OTHER            785688102      145    10450 SH       DEFINED               10450        0        0
SABINE ROYALTY TRUST UNITS BEN OTHER            785688102       69     5000 SH       OTHER                  5000        0        0
SAN JUAN BASIN RTY TR UNIT BEN OTHER            798241105       38     5700 SH       DEFINED                5700        0        0
SAN JUAN BASIN RTY TR UNIT BEN OTHER            798241105       11     1650 SH       OTHER                     0     1650        0
TEPPCO PARTNERS L P UNIT LTD P OTHER            872384102       81     3200 SH       DEFINED                3200        0        0
U S TIMBERLANDS CO LP          OTHER            902977107        6      500 SH       DEFINED                 500        0        0
</TABLE>



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