UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 9/30/00
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: VERNON D. TORGERSON
ADDRESS: FROST NATIONAL BANK
P.O. BOX 1600
SAN ANTONIO, TX 78296
13F FILE NUMBER: 28-183
THE INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT AND THE
PERSON BY WHOM IT IS SIGNED HEREBY REPRESENT THAT THE PERSON
SIGNING THE REPORT IS AUTHORIZED TO SUBMIT IT, THAT ALL
INFORMATION CONTAINED HEREIN IS TRUE, CORRECT AND COMPLETE, AND
THAT IT IS UNDERSTOOD THAT ALL REQUIRED ITEMS, STATEMENTS
SCHEDULES, LISTS, AND TABLES, ARE CONSIDERED INTEGRAL PARTS OF
THIS FORM.
PERSON SIGNING THIS REPORT ON BEHALF OF REPORTING MANAGER:
NAME: STAN McCORMICK
TITLE: COPORATE SECRETARY - SR. V.P.
PHONE: 210-220-4310
SIGNATURE,PLACE,AND DATE OF SIGNING:
/s/STAN McCORMICK SAN ANTONIO, TX 10/31/00
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: 1588
FORM 13F INFORMATION TABLE VALUE TOTAL: $2,230,152
<PAGE>
<TABLE> <C> <C>
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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
H KEMPNER CERT OF BENE INTERES COMMON STOCK 999999998 19333 13615 SH DEFINED 13414 0 201
@TRACK COMMUNICATIONS INC COM COMMON STOCK 04648Y105 3 2700 SH DEFINED 1000 0 1700
A T & T CORP COM * COMMON STOCK 001957109 10303 350754 SH DEFINED 347278 0 3476
A T & T CORP COM * COMMON STOCK 001957109 944 32146 SH OTHER 24688 4458 3000
ABBOTT LABORATORIES COM * COMMON STOCK 002824100 10558 221983 SH DEFINED 217583 0 4400
ABBOTT LABORATORIES COM * COMMON STOCK 002824100 2159 45400 SH OTHER 18200 20800 6400
ABERCROMBIE & FITCH CO CLASS A COMMON STOCK 002896207 771 40450 SH DEFINED 40450 0 0
ABGENIX INC COM COMMON STOCK 00339B107 8 100 SH DEFINED 0 0 100
ACT MANUFACTURING INC COM COMMON STOCK 000973107 1050 19900 SH DEFINED 19900 0 0
ACUSON COMMON STOCK 005113105 1376 60500 SH DEFINED 60500 0 0
ADAPTEC INC COM COMMON STOCK 00651F108 1 50 SH DEFINED 0 0 50
ADC TELECOMMUNICATIONS INC COM COMMON STOCK 000886101 14 510 SH DEFINED 510 0 0
ADC TELECOMMUNICATIONS INC COM COMMON STOCK 000886101 11 400 SH OTHER 400 0 0
ADOBE SYSTEMS INC COM COMMON STOCK 00724F101 53 344 SH DEFINED 334 0 10
ADVANCED FIBRE COMMUNICATIONS COMMON STOCK 00754A105 19 500 SH OTHER 500 0 0
ADVANCED MICRO DEVICES COM COMMON STOCK 007903107 60 2522 SH DEFINED 2522 0 0
ADVANCED MICRO DEVICES COM COMMON STOCK 007903107 5 200 SH OTHER 0 0 200
ADVANCED TISSUE SCIENCES INC COMMON STOCK 00755F103 19 2500 SH DEFINED 2500 0 0
ADVANTAGE LEARNING SYSTEMS INC COMMON STOCK 00757K100 19 550 SH DEFINED 550 0 0
AETNA INC COM COMMON STOCK 008117103 35 600 SH DEFINED 600 0 0
AETNA INC COM COMMON STOCK 008117103 17 300 SH OTHER 0 300 0
AFLAC INC COM * COMMON STOCK 001055102 3699 57743 SH DEFINED 57743 0 0
AFLAC INC COM * COMMON STOCK 001055102 506 7895 SH OTHER 7895 0 0
AGCO CORP COM COMMON STOCK 001084102 4805 404629 SH DEFINED 404629 0 0
AGCO CORP COM COMMON STOCK 001084102 38 3180 SH OTHER 3180 0 0
AGILENT TECHNOLOGIES INC COM * COMMON STOCK 00846U101 824 16830 SH DEFINED 16293 0 537
AGILENT TECHNOLOGIES INC COM * COMMON STOCK 00846U101 210 4291 SH OTHER 4291 0 0
AGRIBRANDS INTL INC COMMON STOCK 00849R105 5 120 SH DEFINED 120 0 0
AIR PRODUCTS & CHEMICALS INC C COMMON STOCK 009158106 560 15550 SH DEFINED 15550 0 0
AIR PRODUCTS & CHEMICALS INC C COMMON STOCK 009158106 299 8300 SH OTHER 8300 0 0
AKAMAI TECHNOLOGIES INC COM COMMON STOCK 00971T101 3 51 SH DEFINED 51 0 0
AKAMAI TECHNOLOGIES INC COM COMMON STOCK 00971T101 11 200 SH OTHER 100 0 100
ALAMO GROUP INC COM COMMON STOCK 011311107 38 3000 SH DEFINED 3000 0 0
ALAMOSA PCS HOLDINGS COM STOCK COMMON STOCK 011593100 8 500 SH DEFINED 500 0 0
ALBERTSON'S INC COM * COMMON STOCK 013104104 448 21328 SH DEFINED 21328 0 0
ALBERTSON'S INC COM * COMMON STOCK 013104104 13 600 SH OTHER 600 0 0
ALCOA INC COM* COMMON STOCK 013817101 3184 125790 SH DEFINED 124018 0 1772
ALCOA INC COM* COMMON STOCK 013817101 167 6600 SH OTHER 6600 0 0
ALEXANDRIA REAL ESTATE EQUITIE COMMON STOCK 015271109 7 200 SH DEFINED 200 0 0
ALLAIRE CORPORATION COMMON STOCK 016714107 2 200 SH DEFINED 200 0 0
ALLEGHENY ENERGY INC COM COMMON STOCK 017361106 69 1812 SH DEFINED 1812 0 0
ALLEGHENY ENERGY INC COM COMMON STOCK 017361106 38 1000 SH OTHER 0 1000 0
ALLEGHENY TECHNOLOGIES INC COM COMMON STOCK 01741R102 4 228 SH DEFINED 228 0 0
ALLIANCE PHARMACEUTICAL COM COMMON STOCK 018773101 76 5000 SH DEFINED 5000 0 0
ALLIANT ENERGY CORP COMMON STOCK 018802108 100 3400 SH DEFINED 3400 0 0
ALLIED CAPITAL CORP NEW COM COMMON STOCK 01903Q108 10 491 SH DEFINED 491 0 0
ALLIED RISER COMMUNICATIONS CO COMMON STOCK 019496108 3 500 SH DEFINED 0 0 500
ALLSTATE CORP COM COMMON STOCK 020002101 520 14976 SH DEFINED 14502 0 474
ALLSTATE CORP COM COMMON STOCK 020002101 248 7126 SH OTHER 3126 0 4000
ALLTEL CORP COM * COMMON STOCK 020039103 53351 1022302 SH DEFINED 1013844 0 8458
ALLTEL CORP COM * COMMON STOCK 020039103 2710 51936 SH OTHER 51157 779 0
ALTERA CORP COM * COMMON STOCK 021441100 3041 63678 SH DEFINED 63318 0 360
ALTERA CORP COM * COMMON STOCK 021441100 456 9545 SH OTHER 9545 0 0
ALZA CORP COM COMMON STOCK 022615108 22 250 SH DEFINED 250 0 0
AMAZON.COM INC COMMON STOCK 023135106 23 600 SH DEFINED 500 0 100
AMEREN CORP COM COMMON STOCK 023608102 78 1868 SH DEFINED 1868 0 0
AMEREN CORP COM COMMON STOCK 023608102 12 275 SH OTHER 0 275 0
AMERICA ONLINE INC DEL COM COMMON STOCK 02364J104 525 9761 SH DEFINED 8186 0 1575
AMERICA ONLINE INC DEL COM COMMON STOCK 02364J104 65 1200 SH OTHER 400 0 800
AMERICAN ELECTRIC POWER INC CO COMMON STOCK 025537101 953 24364 SH DEFINED 24004 0 360
AMERICAN ELECTRIC POWER INC CO COMMON STOCK 025537101 162 4140 SH OTHER 4140 0 0
AMERICAN EXPRESS CO COM * COMMON STOCK 025816109 4146 68239 SH DEFINED 65839 0 2400
AMERICAN EXPRESS CO COM * COMMON STOCK 025816109 2481 40840 SH OTHER 13570 270 27000
AMERICAN GENERAL CORP COM * COMMON STOCK 026351106 25130 322181 SH DEFINED 316614 0 5567
AMERICAN GENERAL CORP COM * COMMON STOCK 026351106 1852 23748 SH OTHER 23448 300 0
AMERICAN GREETINGS CORP CLASS COMMON STOCK 026375105 4170 238270 SH DEFINED 238188 0 82
AMERICAN GREETINGS CORP CLASS COMMON STOCK 026375105 77 4378 SH OTHER 3981 0 397
AMERICAN HOME PRODUCTS CORP CO COMMON STOCK 026609107 9604 169792 SH DEFINED 168482 0 1310
AMERICAN HOME PRODUCTS CORP CO COMMON STOCK 026609107 1872 33090 SH OTHER 23390 9600 100
AMERICAN INT'L GROUP INC COM * COMMON STOCK 026874107 19778 206696 SH DEFINED 199489 0 7207
AMERICAN INT'L GROUP INC COM * COMMON STOCK 026874107 1605 16770 SH OTHER 15506 0 1264
AMERICAN ITALIAN PASTA CO CLAS COMMON STOCK 027070101 1090 56800 SH DEFINED 56800 0 0
AMERICAN NATIONAL INSURANCE CO COMMON STOCK 028591105 270 4227 SH DEFINED 0 0 4227
AMERICAN POWER CONVERSION CORP COMMON STOCK 029066107 981 51127 SH DEFINED 51127 0 0
AMERICAN POWER CONVERSION CORP COMMON STOCK 029066107 51 2680 SH OTHER 2680 0 0
AMERICAN RETIREMENT CORP COM COMMON STOCK 028913101 5 1000 SH DEFINED 1000 0 0
AMERICAN SOFTWARE INC CLASS A COMMON STOCK 029683109 3 1000 SH DEFINED 1000 0 0
AMERICAN WATER WORKS INC COM COMMON STOCK 030411102 46 1667 SH DEFINED 1667 0 0
AMERICAN WATER WORKS INC COM COMMON STOCK 030411102 13 467 SH OTHER 467 0 0
AMERICREDIT CORP COM COMMON STOCK 03060R101 265 9192 SH DEFINED 9192 0 0
AMGEN INC COM * COMMON STOCK 031162100 4750 68023 SH DEFINED 68023 0 0
AMGEN INC COM * COMMON STOCK 031162100 193 2759 SH OTHER 2759 0 0
AMR CORP DELAWARE COM COMMON STOCK 001765106 111 3400 SH DEFINED 3400 0 0
AMRESCO INC NEW COM COMMON STOCK 031909203 0 40 SH DEFINED 40 0 0
AMSOUTH BANCORPORATION INC COM COMMON STOCK 032165102 109 8756 SH DEFINED 0 0 8756
AMSOUTH BANCORPORATION INC COM COMMON STOCK 032165102 62 4920 SH OTHER 4920 0 0
ANADARKO PETROLEUM CORP COM COMMON STOCK 032511107 18573 279463 SH DEFINED 278963 0 500
ANADARKO PETROLEUM CORP COM COMMON STOCK 032511107 277 4162 SH OTHER 3962 0 200
ANDREW CORP COM * COMMON STOCK 034425108 1609 61426 SH DEFINED 61426 0 0
ANDREW CORP COM * COMMON STOCK 034425108 175 6685 SH OTHER 6685 0 0
ANDRX CORP DEL ANDRX GROUP COM COMMON STOCK 034553107 93 1000 SH DEFINED 1000 0 0
ANHEUSER BUSCH COS INC COM * COMMON STOCK 035229103 8727 206260 SH DEFINED 199760 0 6500
ANHEUSER BUSCH COS INC COM * COMMON STOCK 035229103 432 10200 SH OTHER 10200 0 0
ANIXTER INTERNATIONAL INC COM COMMON STOCK 035290105 984 33789 SH DEFINED 33789 0 0
ANNTAYLOR STORES CORP COM COMMON STOCK 036115103 1222 31800 SH DEFINED 31800 0 0
ANTEC CORP COM COMMON STOCK 03664P105 94 3200 SH DEFINED 3200 0 0
AON CORP COM COMMON STOCK 037389103 67 1695 SH DEFINED 0 1695 0
APACHE CORP COM COMMON STOCK 037411105 142 2398 SH DEFINED 1100 0 1298
APACHE CORP COM COMMON STOCK 037411105 6 100 SH OTHER 0 0 100
APOLLO GROUP INC CLASS A COMMON STOCK 037604105 1025 25700 SH DEFINED 25700 0 0
APPLE COMPUTER INC COM COMMON STOCK 037833100 41 1600 SH DEFINED 1600 0 0
APPLIED MATERIALS INC COM * COMMON STOCK 038222105 2245 37855 SH DEFINED 37431 0 424
APPLIED MATERIALS INC COM * COMMON STOCK 038222105 204 3439 SH OTHER 2690 649 100
APPLIED MICRO CIRCUITS CORP CO COMMON STOCK 03822W109 75 360 SH DEFINED 360 0 0
APW LTD COM COMMON STOCK G04397108 1307 26800 SH DEFINED 26800 0 0
ARCHER DANIELS MIDLAND CO COM COMMON STOCK 039483102 1 74 SH DEFINED 74 0 0
ARCHSTONE COMMUNITIES TRUST SB COMMON STOCK 039581103 1429 58183 SH DEFINED 56583 0 1600
ARCHSTONE COMMUNITIES TRUST SB COMMON STOCK 039581103 193 7850 SH OTHER 7850 0 0
ARDEN REALTY GROUP INC COM COMMON STOCK 039793104 19 700 SH DEFINED 0 0 700
ARGONAUT GROUP INC COM COMMON STOCK 040157109 2 142 SH DEFINED 142 0 0
ARGUS COMMUNICATIONS INC COM COMMON STOCK 040282105 20 1000 SH DEFINED 0 0 1000
ARKANSAS BEST CORP COMMON STOCK 040790107 78 5100 SH DEFINED 5100 0 0
ARROW ELECTRONICS INC COM COMMON STOCK 042735100 14 400 SH DEFINED 0 0 400
ARROW ELECTRONICS INC COM COMMON STOCK 042735100 34 1000 SH OTHER 0 0 1000
ARTESYN TECHNOLOGIES INC COM COMMON STOCK 043127109 880 30200 SH DEFINED 30200 0 0
ARVINMERITOR INC COMMON STOCK 043353101 10 713 SH DEFINED 713 0 0
ARVINMERITOR INC COMMON STOCK 043353101 29 2000 SH OTHER 2000 0 0
ASHLAND INC COM COMMON STOCK 044204105 186 5530 SH DEFINED 5530 0 0
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 2771 72918 SH DEFINED 72918 0 0
ASYST TECHNOLOGIES INC COM COMMON STOCK 04648X107 113 5600 SH DEFINED 5600 0 0
AT & T WIRELESS GROUP COMMON STOCK 001957406 73 3500 SH DEFINED 3500 0 0
AT HOME CORP SERIES A COMMON STOCK 045919107 15 1060 SH DEFINED 1060 0 0
AT HOME CORP SERIES A COMMON STOCK 045919107 22 1532 SH OTHER 1532 0 0
AT&T CORP COM LIBERTY MEDIA GR COMMON STOCK 001957208 1073 59599 SH DEFINED 58149 0 1450
ATMEL CORP COM COMMON STOCK 049513104 53 3500 SH DEFINED 3500 0 0
ATMEL CORP COM COMMON STOCK 049513104 14 900 SH OTHER 900 0 0
ATMOS ENERGY CORP COM COMMON STOCK 049560105 3321 161040 SH DEFINED 159449 0 1591
ATMOS ENERGY CORP COM COMMON STOCK 049560105 44 2133 SH OTHER 2133 0 0
ATRIX LABORATORIES INC COM COMMON STOCK 04962L101 7 500 SH DEFINED 0 0 500
AUTOLIV INC COM COMMON STOCK 052800109 16 818 SH OTHER 0 818 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 3918 58588 SH DEFINED 58588 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 237 3550 SH OTHER 3550 0 0
AUTOZONE INC COM COMMON STOCK 053332102 14 600 SH OTHER 600 0 0
AVERY DENNISON CORP COM * COMMON STOCK 053611109 17534 378099 SH DEFINED 371139 0 6960
AVERY DENNISON CORP COM * COMMON STOCK 053611109 1590 34284 SH OTHER 33934 350 0
AVI BIOPHARMA INC COMMON STOCK 002346104 8 1000 SH DEFINED 1000 0 0
AVISTA CORP COM COMMON STOCK 05379B107 20 907 SH OTHER 907 0 0
AVNET INC COM COMMON STOCK 053807103 114 4000 SH DEFINED 4000 0 0
AVOCENT CORPORATION COMMON STOCK 053893103 1652 29968 SH DEFINED 29968 0 0
AVON PRODUCTS INC COM COMMON STOCK 054303102 25 600 SH DEFINED 600 0 0
AVX CORP COM COMMON STOCK 002444107 65 2500 SH DEFINED 2500 0 0
AXA FINANCIAL INC COM COMMON STOCK 002451102 11 214 SH DEFINED 64 0 150
AXT INC COM COMMON STOCK 00246W103 84 2000 SH DEFINED 2000 0 0
AZURIX CORP COM COMMON STOCK 05501M104 4 1000 SH DEFINED 200 0 800
BAIRNCO CORP COM COMMON STOCK 057097107 2 313 SH DEFINED 313 0 0
BAKER HUGHES INC COM * COMMON STOCK 057224107 4126 111132 SH DEFINED 110452 0 680
BAKER HUGHES INC COM * COMMON STOCK 057224107 82 2200 SH OTHER 2200 0 0
BALL CORP COM COMMON STOCK 058498106 63 2000 SH OTHER 0 2000 0
BANK OF AMERICA CORP COM * COMMON STOCK 060505104 3115 59479 SH DEFINED 59479 0 0
BANK OF NEW YORK INC COM COMMON STOCK 064057102 112 2000 SH DEFINED 2000 0 0
BANK OF NEW YORK INC COM COMMON STOCK 064057102 391 6970 SH OTHER 1570 5400 0
BANK ONE CORP COM* COMMON STOCK 06423A103 1076 27867 SH DEFINED 16216 0 11651
BANK ONE CORP COM* COMMON STOCK 06423A103 353 9130 SH OTHER 3400 1000 4730
BANKNORTH GROUP INC COMMON STOCK 06646R107 3367 188346 SH DEFINED 187946 0 400
BANKNORTH GROUP INC COMMON STOCK 06646R107 56 3146 SH OTHER 3146 0 0
BANTA CORP COMMON STOCK 066821109 1055 43300 SH DEFINED 43300 0 0
BARRA INC COM COMMON STOCK 068313105 74 1200 SH DEFINED 1200 0 0
BARRETT RESOURCES CORP COM COMMON STOCK 068480201 238 6300 SH DEFINED 6300 0 0
BASIN EXPLORATION INC COM COMMON STOCK 070107107 20 1000 SH OTHER 1000 0 0
BAXTER INTERNATIONAL INC COM * COMMON STOCK 071813109 19109 239422 SH DEFINED 232636 0 6786
BAXTER INTERNATIONAL INC COM * COMMON STOCK 071813109 319 4000 SH OTHER 3690 310 0
BEA SYSTEMS INC COM COMMON STOCK 073325102 16 200 SH OTHER 200 0 0
BECTON DICKINSON & CO COM * COMMON STOCK 075887109 2000 75635 SH DEFINED 75635 0 0
BECTON DICKINSON & CO COM * COMMON STOCK 075887109 212 8000 SH OTHER 8000 0 0
BELLSOUTH CORP COM * COMMON STOCK 079860102 4676 116184 SH DEFINED 114052 0 2132
BELLSOUTH CORP COM * COMMON STOCK 079860102 781 19408 SH OTHER 18680 728 0
BELO A. H. CORP CLASS A COMMON STOCK 080555105 148 8000 SH DEFINED 8000 0 0
BEMIS INC COM* COMMON STOCK 081437105 209 6500 SH OTHER 0 6000 500
BERKSHIRE HATHAWAY INC CLASS B COMMON STOCK 084670207 205 99 SH DEFINED 98 0 1
BERKSHIRE HATHAWAY INC CLASS B COMMON STOCK 084670207 91 44 SH OTHER 39 0 5
BERKSHIRE HATHAWAY INC DEL CL COMMON STOCK 084670108 129 2 SH DEFINED 0 0 2
BERKSHIRE HATHAWAY INC DEL CL COMMON STOCK 084670108 1224 19 SH OTHER 0 0 19
BEST BUY COMPANY INC COM* COMMON STOCK 086516101 6948 109201 SH DEFINED 108848 0 353
BEST BUY COMPANY INC COM* COMMON STOCK 086516101 48 749 SH OTHER 749 0 0
BESTFOODS COM * COMMON STOCK 08658U101 289 3972 SH DEFINED 3972 0 0
BESTFOODS COM * COMMON STOCK 08658U101 34 464 SH OTHER 464 0 0
BFX HOSPITALITY GROUP INC COM COMMON STOCK 055412100 5 2400 SH DEFINED 2400 0 0
BILLING CONCEPTS CORP COM COMMON STOCK 090063108 5 1600 SH DEFINED 1600 0 0
BILLSERV.COM INC COM COMMON STOCK 090181108 29 3700 SH DEFINED 3700 0 0
BINDVIEW DEVELOPMENT CORP COMMON STOCK 090327107 43 5750 SH DEFINED 5750 0 0
BIO TECHNOLOGY GENERAL CORP CO COMMON STOCK 090578105 3 300 SH DEFINED 300 0 0
BIOGEN INC COM* COMMON STOCK 090597105 7567 124056 SH DEFINED 124056 0 0
BIOGEN INC COM* COMMON STOCK 090597105 332 5450 SH OTHER 5450 0 0
BIOMET INC COM COMMON STOCK 090613100 456 13021 SH DEFINED 13021 0 0
BIOPURE CORPORATION CLASS A COMMON STOCK 09065H105 29 1600 SH DEFINED 0 0 1600
BIOTECH HOLDERS TRUST COM COMMON STOCK 09067D201 39 200 SH DEFINED 200 0 0
BIOTECH HOLDERS TRUST COM COMMON STOCK 09067D201 39 200 SH OTHER 200 0 0
BLOCK H & R INC COM COMMON STOCK 093671105 148 4000 SH DEFINED 4000 0 0
BLUE DOLPHIN ENERGY CO COM COMMON STOCK 095395208 2 400 SH DEFINED 400 0 0
BMC SOFTWARE INC COM* COMMON STOCK 055921100 1945 101693 SH DEFINED 101293 0 400
BMC SOFTWARE INC COM* COMMON STOCK 055921100 92 4800 SH OTHER 4800 0 0
BOEING CO COM * COMMON STOCK 097023105 191 3035 SH DEFINED 3035 0 0
BOEING CO COM * COMMON STOCK 097023105 103 1642 SH OTHER 1642 0 0
BOISE CASCADE CORP COM COMMON STOCK 097383103 1385 52158 SH DEFINED 52158 0 0
BOK FINANCIAL CORP COM COMMON STOCK 05561Q201 20 1060 SH DEFINED 1060 0 0
BORDERS GROUP INC COM COMMON STOCK 099709107 8 555 SH DEFINED 355 0 200
BOSTON SCIENTIFIC CORP COM COMMON STOCK 101137107 25 1500 SH DEFINED 1500 0 0
BRE PROPERTIES INC CLASS A COMMON STOCK 05564E106 16 500 SH DEFINED 500 0 0
BRIGGS & STRATTON CORP COM WIS COMMON STOCK 109043109 764 20204 SH DEFINED 20204 0 0
BRINKER INTERNATIONAL INC COM* COMMON STOCK 109641100 654 21712 SH DEFINED 21712 0 0
BRINKER INTERNATIONAL INC COM* COMMON STOCK 109641100 30 1000 SH OTHER 1000 0 0
BRISTOL-MYERS SQUIBB CO COM * COMMON STOCK 110122108 18383 321810 SH DEFINED 315284 0 6526
BRISTOL-MYERS SQUIBB CO COM * COMMON STOCK 110122108 2761 48328 SH OTHER 24178 150 24000
BROADVISION INC COM COMMON STOCK 111412102 5 213 SH DEFINED 213 0 0
BROADVISION INC COM COMMON STOCK 111412102 10 400 SH OTHER 400 0 0
BROCADE COMMUNICATIONS SYSTEMS COMMON STOCK 111621108 6 25 SH DEFINED 25 0 0
BROWN-FORMAN CORP CLASS B COMMON STOCK 115637209 13 240 SH DEFINED 240 0 0
BRUSH ENGINEERED MATERIALS INC COMMON STOCK 117421107 923 42700 SH DEFINED 42700 0 0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK 12189T104 400 18561 SH DEFINED 18561 0 0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK 12189T104 301 13950 SH OTHER 11950 2000 0
BURLINGTON RESOURCES INC COM COMMON STOCK 122014103 3319 90163 SH DEFINED 90163 0 0
BURLINGTON RESOURCES INC COM COMMON STOCK 122014103 151 4089 SH OTHER 1898 871 1320
C P & L ENERGY INC COM COMMON STOCK 12614C106 88 2100 SH DEFINED 2000 0 100
C P & L ENERGY INC COM COMMON STOCK 12614C106 21 512 SH OTHER 512 0 0
CABOT CORP COM COMMON STOCK 127055101 13 400 SH OTHER 0 0 400
CABOT MICROELECTRONICS CORP CO COMMON STOCK 12709P103 806 16800 SH DEFINED 16800 0 0
CABOT OIL & GAS CORP CLASS A COMMON STOCK 127097103 1487 73000 SH DEFINED 73000 0 0
CADENCE DESIGN SYSTEM INC COM COMMON STOCK 127387108 8 317 SH DEFINED 317 0 0
CALLAWAY GOLF CO COM COMMON STOCK 131193104 1030 67000 SH DEFINED 67000 0 0
CALLOWAYS NURSERY INC COM COMMON STOCK 131255101 1 500 SH DEFINED 500 0 0
CALPINE CORP COMMON STOCK 131347106 8 72 SH DEFINED 52 0 20
CAMDEN PROPERTY TRUST SBI COMMON STOCK 133131102 4 128 SH DEFINED 128 0 0
CAMDEN PROPERTY TRUST SBI COMMON STOCK 133131102 42 1340 SH OTHER 0 640 700
CAMPBELL SOUP CO COM COMMON STOCK 134429109 46 1776 SH OTHER 0 1776 0
CANDELA CORP COM COMMON STOCK 136907102 11 1000 SH DEFINED 1000 0 0
CAPITAL AUTOMOTIVE REIT COMMON STOCK 139733109 5750 442338 SH DEFINED 442038 0 300
CAPITAL AUTOMOTIVE REIT COMMON STOCK 139733109 47 3634 SH OTHER 3634 0 0
CAPITAL ONE FINANCIAL CORP COM COMMON STOCK 14040H105 224 3200 SH DEFINED 3200 0 0
CAPITAL SOUTHWEST CORP COM COMMON STOCK 140501107 96 1600 SH OTHER 1600 0 0
CAPROCK COMMUNICATIONS CORP CO COMMON STOCK 140667106 2 450 SH DEFINED 0 0 450
CARDINAL HEALTH INC COM* COMMON STOCK 14149Y108 4228 47940 SH DEFINED 47710 0 230
CARDINAL HEALTH INC COM* COMMON STOCK 14149Y108 41 461 SH OTHER 461 0 0
CARDIODYNAMICS INTERNATIONAL C COMMON STOCK 141597104 4 675 SH DEFINED 675 0 0
CAREMARK RX INC COM COMMON STOCK 141705103 2 200 SH DEFINED 200 0 0
CARNIVAL CORPORATION COM* COMMON STOCK 143658102 1750 71066 SH DEFINED 70666 0 400
CARNIVAL CORPORATION COM* COMMON STOCK 143658102 666 27060 SH OTHER 27060 0 0
CASH AMERICA INTERNATIONAL INC COMMON STOCK 14754D100 656 89670 SH DEFINED 89670 0 0
CATALINA MARKETING CORP* COMMON STOCK 148867104 956 25404 SH DEFINED 25404 0 0
CATERPILLAR INC COM * COMMON STOCK 149123101 498 14750 SH DEFINED 13850 0 900
CATERPILLAR INC COM * COMMON STOCK 149123101 127 3752 SH OTHER 1800 1852 100
CELADON GROUP INC COM COMMON STOCK 150838100 12 1300 SH DEFINED 1300 0 0
CELL GENESYS INC COM COMMON STOCK 150921104 9 300 SH DEFINED 0 0 300
CELL PATHWAYS COM COMMON STOCK 15114R101 1 100 SH DEFINED 100 0 0
CENDANT CORP COM COMMON STOCK 151313103 162 14925 SH DEFINED 13725 0 1200
CENDANT CORP COM COMMON STOCK 151313103 7 600 SH OTHER 0 0 600
CENTURYTEL INC COM COMMON STOCK 156700106 15 550 SH DEFINED 550 0 0
CERUS CORP COM COMMON STOCK 157085101 6 100 SH DEFINED 100 0 0
CH ENERGY GROUP INC COM COMMON STOCK 12541M102 120 3000 SH DEFINED 3000 0 0
CHALONE WINE GROUP LTD COMMON STOCK 157639105 1 100 SH DEFINED 100 0 0
CHASE MANHATTAN CORP NEW COM * COMMON STOCK 16161A108 4069 88087 SH DEFINED 87937 0 150
CHASE MANHATTAN CORP NEW COM * COMMON STOCK 16161A108 114 2470 SH OTHER 350 2120 0
CHATEAU COMMUNITIES INC COM COMMON STOCK 161726104 21 766 SH DEFINED 766 0 0
CHELSEA GCA REALTY INC COM COMMON STOCK 163262108 25 700 SH DEFINED 500 0 200
CHEVRON CORP COM * COMMON STOCK 166751107 14444 169433 SH DEFINED 166054 0 3379
CHEVRON CORP COM * COMMON STOCK 166751107 1293 15168 SH OTHER 10122 4846 200
CHICOS FAS INC COM COMMON STOCK 168615102 108 3180 SH DEFINED 3180 0 0
CHILDREN'S PLACE RETAIL STORES COMMON STOCK 168905107 106 4100 SH DEFINED 4100 0 0
CHIQUITA BRANDS INTL INC COM COMMON STOCK 170032106 0 50 SH DEFINED 50 0 0
CHIRON CORP COM COMMON STOCK 170040109 158 3510 SH DEFINED 3510 0 0
CHOICEPOINT INC COM COMMON STOCK 170388102 7 160 SH OTHER 0 0 160
CIGNA CORP COM COMMON STOCK 125509109 119 1142 SH DEFINED 1142 0 0
CINCINNATI FINANCIAL CORP COM COMMON STOCK 172062101 23 660 SH DEFINED 660 0 0
CINERGY CORP COM COMMON STOCK 172474108 13 400 SH DEFINED 400 0 0
CIRCUIT CITY GROUP COMMON STOCK 172737108 48 2100 SH DEFINED 2100 0 0
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SONY CORP AMERICAN SHARES NEW COMMON STOCK 835699307 404 4000 SH OTHER 0 0 4000
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STMICROELECTRONICS NV NY SHARE COMMON STOCK 861012102 0 10 SH DEFINED 10 0 0
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TELEFONICA S A SPONSORED ADR COMMON STOCK 879382208 149 2512 SH OTHER 0 2512 0
TELEFONOS DE MEXICO S A ADR NO COMMON STOCK 879403400 5 2000 SH DEFINED 2000 0 0
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XL CAPITAL LTD CLASS A COMMON STOCK G98255105 98 1335 SH OTHER 1335 0 0
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MALAYSIA FD INC OTHER 560905101 21 5000 SH OTHER N.A. N.A. N.A.
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MORGAN STNLY DEAN WTER INDIA I OTHER 61745C105 192 18500 SH DEFINED N.A. N.A. N.A.
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SOURCE CAP INC OTHER 836144105 10 200 SH DEFINED N.A. N.A. N.A.
TEMPLETON DRAGON FUND INC OTHER 88018T101 13 1547 SH DEFINED N.A. N.A. N.A.
TRI-CONTINENTAL CORP COM OTHER 895436103 338 12940 SH DEFINED N.A. N.A. N.A.
ACM GOVERNMENT INCOME FUND INC OTHER 000912105 118 15666 SH DEFINED N.A. N.A. N.A.
ACM GOVERNMENT SECURITIES FUND OTHER 000914101 65 9000 SH OTHER N.A. N.A. N.A.
ALL AMERICAN TERM TRUST INC OTHER 016440109 31 2620 SH DEFINED N.A. N.A. N.A.
BLACKROCK INCOME TRUST INC COM OTHER 09247F100 48 7500 SH OTHER N.A. N.A. N.A.
BLACKROCK TARGET TERM TRUST IN OTHER 092476100 49 5000 SH DEFINED N.A. N.A. N.A.
CIGNA INVTS SECS INC COM OTHER 17179X106 69 4500 SH DEFINED N.A. N.A. N.A.
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MFS CHARTERED INCOME TRUST SBI OTHER 552727109 17 2000 SH OTHER N.A. N.A. N.A.
MFS INTERMEDIATE INCOME TRUST OTHER 55273C107 13 2000 SH DEFINED N.A. N.A. N.A.
MFS MULTI MARKET INCOME TR SBI OTHER 552737108 13 2086 SH DEFINED N.A. N.A. N.A.
MONTGOMERY STR INCOME SECS INC OTHER 614115103 27 1600 SH DEFINED N.A. N.A. N.A.
PACHOLDER HIGH YIELD FUND INC OTHER 693742108 166 13325 SH DEFINED N.A. N.A. N.A.
PILGRIM PRIME RATE TRUST OTHER 72146W103 17 2000 SH OTHER N.A. N.A. N.A.
PIMCO COMMERCIAL MTG SECURITIE OTHER 693388100 8 667 SH DEFINED N.A. N.A. N.A.
PIONEER INTEREST SHARES INC CO OTHER 723703104 140 12500 SH DEFINED N.A. N.A. N.A.
PUTNAM HIGH INCOME CONVERTIBLE OTHER 746779107 38 5000 SH DEFINED N.A. N.A. N.A.
PUTNAM MASTER INTER INCOME TRU OTHER 746909100 163 25388 SH DEFINED N.A. N.A. N.A.
PUTNAM MASTER INTER INCOME TRU OTHER 746909100 12 1914 SH OTHER N.A. N.A. N.A.
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SALOMON BROTHERS HIGH INCOME F OTHER 794907105 3 250 SH DEFINED N.A. N.A. N.A.
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VAN KAMPEN BOND FUND INC., COM OTHER 920955101 26 1500 SH DEFINED N.A. N.A. N.A.
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VESTAUR SECURITIES INC OTHER 925464109 57 4500 SH DEFINED N.A. N.A. N.A.
ACM MUNICIPAL SECS INCOME FD I OTHER 000942102 18 1500 SH DEFINED N.A. N.A. N.A.
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BLACKROCK INSD MUN 2008 TERM T OTHER 09247K109 25 1698 SH OTHER N.A. N.A. N.A.
BLACKROCK INVESTMENT QUALITY M OTHER 09247D105 22 1778 SH OTHER N.A. N.A. N.A.
BLACKROCK MUNICIPAL TARGET TER OTHER 09247M105 10 1010 SH DEFINED N.A. N.A. N.A.
COLONIAL MUNICIPAL INCOME TRUS OTHER 195799101 6 1000 SH OTHER N.A. N.A. N.A.
DREYFUS MUNICIPAL INCOME INC C OTHER 26201R102 15 1859 SH DEFINED N.A. N.A. N.A.
DREYFUS STRATEGIC MUNI BOND FU OTHER 26202F107 170 20288 SH DEFINED N.A. N.A. N.A.
DREYFUS STRATEGIC MUNICIPALS I OTHER 261932107 163 19034 SH DEFINED N.A. N.A. N.A.
DUFF & PHELPS UTILS T/F INCOME OTHER 264325101 127 10000 SH DEFINED N.A. N.A. N.A.
INSURED MUNI INCOME FUND OTHER 45809F104 7 581 SH OTHER N.A. N.A. N.A.
INVESTMENT GRADE MUNICIPAL INC OTHER 461368102 17 1214 SH OTHER N.A. N.A. N.A.
MANAGED MUNICIPAL PORTFOLIO II OTHER 561663105 24 2500 SH DEFINED N.A. N.A. N.A.
MANAGED MUNICIPAL PORTFOLIO IN OTHER 561662107 12 1250 SH DEFINED N.A. N.A. N.A.
MFS MUNICIPAL INCOME TRUST OTHER 552738106 200 26171 SH DEFINED N.A. N.A. N.A.
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MUNIENHANCED FUND INC COM OTHER 626243109 20 2000 SH OTHER N.A. N.A. N.A.
MUNIVEST FUND INC COM OTHER 626295109 20 2500 SH OTHER N.A. N.A. N.A.
MUNIYIELD FUND INC COM OTHER 626299101 24 1900 SH OTHER N.A. N.A. N.A.
MUNIYIELD INSURED FUND INC COM OTHER 62630E107 26 2000 SH OTHER N.A. N.A. N.A.
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CEDAR FAIR L P OTHER 150185106 22 1200 SH OTHER 0 800 400
DORCHESTER HUGOTON LTD DEP RCP OTHER 258205202 24 1600 SH DEFINED 1600 0 0
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</TABLE>
