CULLEN FROST BANKERS INC
13F-HR, 2000-08-10
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: 6/30/00

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:    JEANIE WYATT
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          8/10/00


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:   1609

FORM 13F INFORMATION TABLE VALUE TOTAL:           $2,206,931
<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    19393    13657 SH       DEFINED               13456        0      201
@TRACK COMMUNICATIONS INC COM  COMMON STOCK     04648Y105        4     1700 SH       DEFINED                1200        0      500
A T & T CORP COM *             COMMON STOCK     001957109    15426   487786 SH       DEFINED              477181        0    10605
A T & T CORP COM *             COMMON STOCK     001957109     1325    41895 SH       OTHER                 34437     4458     3000
AAR CORP COM                   COMMON STOCK     000361105        2      150 SH       DEFINED                 150        0        0
ABBOTT LABORATORIES COM *      COMMON STOCK     002824100    10686   239809 SH       DEFINED              234409        0     5400
ABBOTT LABORATORIES COM *      COMMON STOCK     002824100     2265    50825 SH       OTHER                 23625    20800     6400
ABERCROMBIE & FITCH CO CLASS A COMMON STOCK     002896207        1       50 SH       DEFINED                  50        0        0
ABGENIX INC COM                COMMON STOCK     00339B107        6       50 SH       DEFINED                   0        0       50
ACT MANUFACTURING INC COM      COMMON STOCK     000973107     1036    22300 SH       DEFINED               22300        0        0
ACUSON                         COMMON STOCK     005113105      752    55700 SH       DEFINED               55700        0        0
ADAPTEC INC COM                COMMON STOCK     00651F108        1       50 SH       DEFINED                   0        0       50
ADC TELECOMMUNICATIONS INC COM COMMON STOCK     000886101      274     3268 SH       DEFINED                3268        0        0
ADOBE SYSTEMS INC COM          COMMON STOCK     00724F101       40      310 SH       DEFINED                 300        0       10
ADVANCED MICRO DEVICES COM     COMMON STOCK     007903107       97     1251 SH       DEFINED                1251        0        0
ADVANCED MICRO DEVICES COM     COMMON STOCK     007903107        8      100 SH       OTHER                     0        0      100
ADVANCED TISSUE SCIENCES INC   COMMON STOCK     00755F103       20     2500 SH       DEFINED                2500        0        0
ADVANTAGE LEARNING SYSTEMS INC COMMON STOCK     00757K100        8      550 SH       DEFINED                 550        0        0
AETNA INC COM                  COMMON STOCK     008117103       39      600 SH       DEFINED                 600        0        0
AETNA INC COM                  COMMON STOCK     008117103       19      300 SH       OTHER                     0      300        0
AFLAC INC COM *                COMMON STOCK     001055102     3027    65897 SH       DEFINED               65897        0        0
AFLAC INC COM *                COMMON STOCK     001055102      345     7500 SH       OTHER                  7500        0        0
AGCO CORP COM                  COMMON STOCK     001084102     5075   414277 SH       DEFINED              414277        0        0
AGCO CORP COM                  COMMON STOCK     001084102       21     1697 SH       OTHER                  1697        0        0
AGILENT TECHNOLOGIES INC COM * COMMON STOCK     00846U101     2049    27782 SH       DEFINED               27192        0      590
AGILENT TECHNOLOGIES INC COM * COMMON STOCK     00846U101      502     6803 SH       OTHER                  6803        0        0
AGL RESOURCES INC.             COMMON STOCK     001204106        5      300 SH       OTHER                   300        0        0
AGRIBRANDS INTL INC            COMMON STOCK     00849R105        5      120 SH       DEFINED                 120        0        0
AIR PRODUCTS & CHEMICALS INC C COMMON STOCK     009158106      471    15300 SH       DEFINED               15300        0        0
AIR PRODUCTS & CHEMICALS INC C COMMON STOCK     009158106      256     8300 SH       OTHER                  8300        0        0
AKAMAI TECHNOLOGIES INC COM    COMMON STOCK     00971T101        6       51 SH       DEFINED                  51        0        0
AKAMAI TECHNOLOGIES INC COM    COMMON STOCK     00971T101       12      100 SH       OTHER                     0        0      100
ALAMOSA PCS HOLDINGS COM STOCK COMMON STOCK     011593100       10      500 SH       DEFINED                 500        0        0
ALBERTSON'S INC COM *          COMMON STOCK     013104104      682    20518 SH       DEFINED               20518        0        0
ALBERTSON'S INC COM *          COMMON STOCK     013104104       20      600 SH       OTHER                   600        0        0
ALCOA INC COM*                 COMMON STOCK     013817101     5281   182111 SH       DEFINED              180339        0     1772
ALCOA INC COM*                 COMMON STOCK     013817101      209     7200 SH       OTHER                  7200        0        0
ALLAIRE CORPORATION            COMMON STOCK     016714107        7      200 SH       DEFINED                 200        0        0
ALLEGHENY ENERGY INC COM       COMMON STOCK     017361106       50     1812 SH       DEFINED                1812        0        0
ALLEGHENY ENERGY INC COM       COMMON STOCK     017361106       27     1000 SH       OTHER                     0     1000        0
ALLEGHENY TECHNOLOGIES INC COM COMMON STOCK     01741R102        4      228 SH       DEFINED                 228        0        0
ALLERGAN INC COM               COMMON STOCK     018490102      439     5892 SH       DEFINED                5892        0        0
ALLIANCE PHARMACEUTICAL COM    COMMON STOCK     018773101       56     5000 SH       DEFINED                5000        0        0
ALLIANT ENERGY CORP            COMMON STOCK     018802108       88     3400 SH       DEFINED                3400        0        0
ALLIED RISER COMMUNICATIONS CO COMMON STOCK     019496108        7      500 SH       DEFINED                   0        0      500
ALLIED WASTE INDS INC COM NEW  COMMON STOCK     019589308       20     2000 SH       DEFINED                2000        0        0
ALLSTATE CORP COM              COMMON STOCK     020002101      271    12176 SH       DEFINED               11702        0      474
ALLSTATE CORP COM              COMMON STOCK     020002101      159     7126 SH       OTHER                  3126        0     4000
ALLTEL CORP COM *              COMMON STOCK     020039103    66215  1069055 SH       DEFINED             1060247        0     8808
ALLTEL CORP COM *              COMMON STOCK     020039103     3217    51936 SH       OTHER                 51157      779        0
ALTERA CORP COM *              COMMON STOCK     021441100     3019    29614 SH       DEFINED               29344        0      270
ALTERA CORP COM *              COMMON STOCK     021441100      428     4200 SH       OTHER                  4200        0        0
ALZA CORP COM                  COMMON STOCK     022615108       24      400 SH       DEFINED                   0        0      400
AMAZON.COM INC                 COMMON STOCK     023135106       22      600 SH       DEFINED                 500        0      100
AMEREN CORP COM                COMMON STOCK     023608102       47     1400 SH       DEFINED                1400        0        0
AMEREN CORP COM                COMMON STOCK     023608102        9      275 SH       OTHER                     0      275        0
AMERICA ONLINE INC DEL COM     COMMON STOCK     02364J104      528    10025 SH       DEFINED                8428        0     1597
AMERICA ONLINE INC DEL COM     COMMON STOCK     02364J104       63     1200 SH       OTHER                   400        0      800
AMERICAN ELECTRIC POWER INC CO COMMON STOCK     025537101      715    24144 SH       DEFINED               23784        0      360
AMERICAN ELECTRIC POWER INC CO COMMON STOCK     025537101      140     4714 SH       OTHER                  4714        0        0
AMERICAN EXPRESS CO COM *      COMMON STOCK     025816109     3712    71207 SH       DEFINED               68807        0     2400
AMERICAN EXPRESS CO COM *      COMMON STOCK     025816109     2080    39900 SH       OTHER                 12900        0    27000
AMERICAN GENERAL CORP COM *    COMMON STOCK     026351106    22277   365202 SH       DEFINED              357785        0     7417
AMERICAN GENERAL CORP COM *    COMMON STOCK     026351106     1471    24109 SH       OTHER                 23809      300        0
AMERICAN GREETINGS CORP CLASS  COMMON STOCK     026375105     3765   198169 SH       DEFINED              198087        0       82
AMERICAN GREETINGS CORP CLASS  COMMON STOCK     026375105       40     2087 SH       OTHER                  1690        0      397
AMERICAN HOME PRODUCTS CORP CO COMMON STOCK     026609107    10310   175485 SH       DEFINED              174175        0     1310
AMERICAN HOME PRODUCTS CORP CO COMMON STOCK     026609107     1944    33090 SH       OTHER                 23390     9600      100
AMERICAN INT'L GROUP INC COM * COMMON STOCK     026874107    16571   141031 SH       DEFINED              135842        0     5189
AMERICAN INT'L GROUP INC COM * COMMON STOCK     026874107     1324    11266 SH       OTHER                 10423        0      843
AMERICAN NATIONAL INSURANCE CO COMMON STOCK     028591105      216     4227 SH       DEFINED                   0        0     4227
AMERICAN POWER CONVERSION CORP COMMON STOCK     029066107     1916    46948 SH       DEFINED               46948        0        0
AMERICAN POWER CONVERSION CORP COMMON STOCK     029066107      134     3280 SH       OTHER                  3280        0        0
AMERICAN RETIREMENT CORP COM   COMMON STOCK     028913101        6     1000 SH       DEFINED                1000        0        0
AMERICAN TELESOURCE INTL INC D COMMON STOCK     03018P108       18     2867 SH       DEFINED                2867        0        0
AMERICAN WATER WORKS INC COM   COMMON STOCK     030411102       12      467 SH       DEFINED                 467        0        0
AMERICAN WATER WORKS INC COM   COMMON STOCK     030411102       22      867 SH       OTHER                   867        0        0
AMERICAN XTAL TECHNOLOGY INC C COMMON STOCK     030514103       87     2000 SH       DEFINED                2000        0        0
AMERISOURCE HEALTH CORP CLASS  COMMON STOCK     03071P102        2       50 SH       DEFINED                   0        0       50
AMERITRADE HOLDING CORP CLASS  COMMON STOCK     03072H109       14     1200 SH       DEFINED                1200        0        0
AMFM INC COM                   COMMON STOCK     001693100       38      556 SH       DEFINED                 200        0      356
AMGEN INC COM *                COMMON STOCK     031162100     3292    46868 SH       DEFINED               46868        0        0
AMGEN INC COM *                COMMON STOCK     031162100      155     2200 SH       OTHER                  2200        0        0
AMR CORP DELAWARE COM          COMMON STOCK     001765106       90     3400 SH       DEFINED                3400        0        0
AMRESCO INC COM                COMMON STOCK     031909104        0      200 SH       DEFINED                 200        0        0
AMSOUTH BANCORPORATION INC COM COMMON STOCK     032165102      138     8756 SH       DEFINED                   0        0     8756
AMSOUTH BANCORPORATION INC COM COMMON STOCK     032165102       77     4920 SH       OTHER                  4920        0        0
ANADARKO PETROLEUM CORP COM    COMMON STOCK     032511107       14      280 SH       OTHER                    80        0      200
ANDREW CORP COM *              COMMON STOCK     034425108     1154    34371 SH       DEFINED               34371        0        0
ANDREW CORP COM *              COMMON STOCK     034425108      218     6495 SH       OTHER                  6495        0        0
ANDRX CORP COM                 COMMON STOCK     034551101       64     1000 SH       DEFINED                1000        0        0
ANHEUSER BUSCH COS INC COM *   COMMON STOCK     035229103     8227   110146 SH       DEFINED              105146        0     5000
ANHEUSER BUSCH COS INC COM *   COMMON STOCK     035229103      400     5350 SH       OTHER                  5350        0        0
ANIXTER INTERNATIONAL INC COM  COMMON STOCK     035290105      842    31789 SH       DEFINED               31789        0        0
ANNTAYLOR STORES CORP COM      COMMON STOCK     036115103     1034    31200 SH       DEFINED               31200        0        0
ANTEC CORP COM                 COMMON STOCK     03664P105      133     3200 SH       DEFINED                3200        0        0
AON CORP COM                   COMMON STOCK     037389103       53     1695 SH       DEFINED                   0     1695        0
APACHE CORP COM                COMMON STOCK     037411105      147     2498 SH       DEFINED                1100        0     1398
APACHE CORP COM                COMMON STOCK     037411105        6      100 SH       OTHER                     0        0      100
APEX INC COM                   COMMON STOCK     037548104     2209    50500 SH       DEFINED               50500        0        0
APOLLO GROUP INC CLASS A       COMMON STOCK     037604105      664    23700 SH       DEFINED               23700        0        0
APPLE COMPUTER INC COM         COMMON STOCK     037833100       84     1600 SH       DEFINED                1600        0        0
APPLIED MATERIALS INC COM *    COMMON STOCK     038222105     3117    34390 SH       DEFINED               33966        0      424
APPLIED MATERIALS INC COM *    COMMON STOCK     038222105      271     2989 SH       OTHER                  2240      649      100
APPLIED MICRO CIRCUITS CORP CO COMMON STOCK     03822W109       35      350 SH       DEFINED                 300        0       50
APPLIED POWER INC CLASS A      COMMON STOCK     038225108      827    24700 SH       DEFINED               24700        0        0
APPLIX INC COM                 COMMON STOCK     038316105        2      250 SH       DEFINED                 250        0        0
APPONLINE.COM INC COM          COMMON STOCK     03832H100        0      100 SH       DEFINED                 100        0        0
ARCH COAL INC COM              COMMON STOCK     039380100        0       49 SH       DEFINED                  49        0        0
ARCHER DANIELS MIDLAND CO COM  COMMON STOCK     039483102       14     1472 SH       DEFINED                1472        0        0
ARCHSTONE COMMUNITIES TRUST SB COMMON STOCK     039581103     1231    58423 SH       DEFINED               56823        0     1600
ARCHSTONE COMMUNITIES TRUST SB COMMON STOCK     039581103      165     7850 SH       OTHER                  7850        0        0
ARDEN REALTY GROUP INC COM     COMMON STOCK     039793104       16      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       19     1000 SH       DEFINED                   0        0     1000
ARIBA INC COM                  COMMON STOCK     04033V104       20      200 SH       DEFINED                 200        0        0
ARIBA INC COM                  COMMON STOCK     04033V104       20      200 SH       OTHER                     0        0      200
ARKANSAS BEST CORP             COMMON STOCK     040790107       51     5100 SH       DEFINED                5100        0        0
ARROW ELECTRONICS INC COM      COMMON STOCK     042735100       37     1200 SH       OTHER                     0        0     1200
ARVIN INDUSTRIES INC COM       COMMON STOCK     043339100       35     2000 SH       OTHER                  2000        0        0
ASHLAND INC COM                COMMON STOCK     044204105      201     5730 SH       DEFINED                5730        0        0
ASK JEEVES INC COM             COMMON STOCK     045174109        1       50 SH       OTHER                     0        0       50
ASSOCIATES FIRST CAPITAL CORP  COMMON STOCK     046008108     1582    70898 SH       DEFINED               70898        0        0
AT & T WIRELESS GROUP          COMMON STOCK     001957406       70     2500 SH       DEFINED                2500        0        0
AT HOME CORP SERIES A          COMMON STOCK     045919107       18      860 SH       DEFINED                 860        0        0
AT HOME CORP SERIES A          COMMON STOCK     045919107       32     1532 SH       OTHER                  1532        0        0
AT&T CORP COM LIBERTY MEDIA GR COMMON STOCK     001957208     1420    58564 SH       DEFINED               57564        0     1000
ATMEL CORP COM                 COMMON STOCK     049513104       48     1300 SH       DEFINED                1300        0        0
ATMEL CORP COM                 COMMON STOCK     049513104       33      900 SH       OTHER                   900        0        0
ATMOS ENERGY CORP COM          COMMON STOCK     049560105     2968   169603 SH       DEFINED              168012        0     1591
ATMOS ENERGY CORP COM          COMMON STOCK     049560105       20     1163 SH       OTHER                  1163        0        0
ATRIX LABORATORIES INC COM     COMMON STOCK     04962L101        5      500 SH       DEFINED                   0        0      500
AUGUST TECHNOLOGY CORP         COMMON STOCK     05106U105      419    25500 SH       DEFINED               25500        0        0
AUTOLIV INC COM                COMMON STOCK     052800109       20      818 SH       OTHER                     0      818        0
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103     3133    58488 SH       DEFINED               58488        0        0
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103      190     3550 SH       OTHER                  3550        0        0
AUTOZONE INC COM               COMMON STOCK     053332102       13      600 SH       OTHER                   600        0        0
AVERY DENNISON CORP COM *      COMMON STOCK     053611109    23465   349576 SH       DEFINED              343916        0     5660
AVERY DENNISON CORP COM *      COMMON STOCK     053611109     2044    30453 SH       OTHER                 30103      350        0
AVI BIOPHARMA INC              COMMON STOCK     002346104       10     1000 SH       DEFINED                1000        0        0
AVISTA CORP COM                COMMON STOCK     05379B107       16      907 SH       OTHER                   907        0        0
AVNET INC COM                  COMMON STOCK     053807103      122     2055 SH       DEFINED                2055        0        0
AVON PRODUCTS INC COM          COMMON STOCK     054303102       27      600 SH       DEFINED                 600        0        0
AXA FINANCIAL INC COM          COMMON STOCK     002451102        7      214 SH       DEFINED                  64        0      150
AZURIX CORP COM                COMMON STOCK     05501M104        6      800 SH       DEFINED                 100        0      700
BAIRNCO CORP COM               COMMON STOCK     057097107        2      313 SH       DEFINED                 313        0        0
BAKER HUGHES INC COM *         COMMON STOCK     057224107     3757   117392 SH       DEFINED              116912        0      480
BAKER HUGHES INC COM *         COMMON STOCK     057224107       91     2840 SH       OTHER                  2840        0        0
BALL CORP COM                  COMMON STOCK     058498106       64     2000 SH       OTHER                     0     2000        0
BANK OF AMERICA CORP COM *     COMMON STOCK     060505104     2619    60918 SH       DEFINED               60918        0        0
BANK OF NEW YORK INC COM       COMMON STOCK     064057102       93     2000 SH       DEFINED                2000        0        0
BANK OF NEW YORK INC COM       COMMON STOCK     064057102      324     6970 SH       OTHER                  1570     5400        0
BANK ONE CORP COM*             COMMON STOCK     06423A103      661    24867 SH       DEFINED               13216        0    11651
BANK ONE CORP COM*             COMMON STOCK     06423A103      243     9130 SH       OTHER                  3400     1000     4730
BANKNORTH GROUP INC            COMMON STOCK     06646R107     3002   196074 SH       DEFINED              195674        0      400
BANKNORTH GROUP INC            COMMON STOCK     06646R107       31     2040 SH       OTHER                  2040        0        0
BARD C. R. INC COM             COMMON STOCK     067383109      176     3655 SH       DEFINED                3655        0        0
BARRA INC COM                  COMMON STOCK     068313105       59     1200 SH       DEFINED                1200        0        0
BARRETT RESOURCES CORP COM     COMMON STOCK     068480201       82     2700 SH       DEFINED                2700        0        0
BASIN EXPLORATION INC COM      COMMON STOCK     070107107      804    45000 SH       DEFINED               45000        0        0
BASIN EXPLORATION INC COM      COMMON STOCK     070107107       18     1000 SH       OTHER                  1000        0        0
BATTLE MOUNTAIN GOLD COM       COMMON STOCK     071593107        0       50 SH       DEFINED                  50        0        0
BAXTER INTERNATIONAL INC COM * COMMON STOCK     071813109    16528   235064 SH       DEFINED              228690        0     6374
BAXTER INTERNATIONAL INC COM * COMMON STOCK     071813109      199     2832 SH       OTHER                  2522      310        0
BE FREE INC COM                COMMON STOCK     073308108        1      100 SH       DEFINED                 100        0        0
BECTON DICKINSON & CO COM *    COMMON STOCK     075887109     2224    77542 SH       DEFINED               77542        0        0
BECTON DICKINSON & CO COM *    COMMON STOCK     075887109      172     6000 SH       OTHER                  6000        0        0
BELL ATLANTIC CORP COM *       COMMON STOCK     077853109     6271   123422 SH       DEFINED              121364        0     2058
BELL ATLANTIC CORP COM *       COMMON STOCK     077853109      993    19544 SH       OTHER                 18192        0     1352
BELLSOUTH CORP COM *           COMMON STOCK     079860102     5451   127878 SH       DEFINED              125476        0     2402
BELLSOUTH CORP COM *           COMMON STOCK     079860102      836    19608 SH       OTHER                 18880      728        0
BELLWETHER EXPLORATION CO COM  COMMON STOCK     079895207       30     3625 SH       DEFINED                   0        0     3625
BELO A. H. CORP CLASS A        COMMON STOCK     080555105      139     8000 SH       DEFINED                8000        0        0
BEMIS INC COM*                 COMMON STOCK     081437105      219     6500 SH       OTHER                     0     6000      500
BERKSHIRE HATHAWAY INC CLASS B COMMON STOCK     084670207      213      121 SH       DEFINED                 120        0        1
BERKSHIRE HATHAWAY INC CLASS B COMMON STOCK     084670207       77       44 SH       OTHER                    39        0        5
BERKSHIRE HATHAWAY INC DEL CL  COMMON STOCK     084670108      108        2 SH       DEFINED                   0        0        2
BERKSHIRE HATHAWAY INC DEL CL  COMMON STOCK     084670108     1022       19 SH       OTHER                     0        0       19
BEST BUY COMPANY INC COM*      COMMON STOCK     086516101      427     6750 SH       DEFINED                6750        0        0
BESTFOODS COM *                COMMON STOCK     08658U101     1376    19872 SH       DEFINED               19872        0        0
BESTFOODS COM *                COMMON STOCK     08658U101       60      864 SH       OTHER                   864        0        0
BETHLEHEM STEEL CORP COM       COMMON STOCK     087509105        1      400 SH       DEFINED                 400        0        0
BFX HOSPITALITY GROUP INC COM  COMMON STOCK     055412100        2     2400 SH       DEFINED                2400        0        0
BILLING CONCEPTS CORP COM      COMMON STOCK     090063108        7     1600 SH       DEFINED                1600        0        0
BILLSERV.COM INC COM           COMMON STOCK     090181108       34     3700 SH       DEFINED                3700        0        0
BINDVIEW DEVELOPMENT CORP      COMMON STOCK     090327107       63     5250 SH       DEFINED                5250        0        0
BIOGEN INC COM                 COMMON STOCK     090597105       84     1300 SH       DEFINED                1300        0        0
BIOGEN INC COM                 COMMON STOCK     090597105       13      200 SH       OTHER                     0        0      200
BIOMET INC COM                 COMMON STOCK     090613100        8      200 SH       DEFINED                 200        0        0
BIOPURE CORPORATION CLASS A    COMMON STOCK     09065H105       30     1600 SH       DEFINED                   0        0     1600
BIOTECH HOLDERS TRUST COM      COMMON STOCK     09067D201       36      200 SH       DEFINED                 200        0        0
BIOTECH HOLDERS TRUST COM      COMMON STOCK     09067D201       36      200 SH       OTHER                   200        0        0
BLOCK H & R INC COM            COMMON STOCK     093671105      130     4000 SH       DEFINED                4000        0        0
BMC SOFTWARE INC COM*          COMMON STOCK     055921100    14110   386732 SH       DEFINED              378597        0     8135
BMC SOFTWARE INC COM*          COMMON STOCK     055921100      992    27196 SH       OTHER                 26796      400        0
BOEING CO COM *                COMMON STOCK     097023105      196     4690 SH       DEFINED                4690        0        0
BOEING CO COM *                COMMON STOCK     097023105       69     1642 SH       OTHER                  1642        0        0
BOISE CASCADE CORP COM         COMMON STOCK     097383103     1350    52158 SH       DEFINED               52158        0        0
BOK FINANCIAL CORP COM         COMMON STOCK     05561Q201       19     1060 SH       DEFINED                1060        0        0
BORDERS GROUP INC COM          COMMON STOCK     099709107        9      555 SH       DEFINED                 355        0      200
BOSTON SCIENTIFIC CORP COM     COMMON STOCK     101137107        1       50 SH       DEFINED                  50        0        0
BOWNE & CO INC COM (DEL)       COMMON STOCK     103043105        2      200 SH       DEFINED                 200        0        0
BRE PROPERTIES INC CLASS A     COMMON STOCK     05564E106       14      500 SH       DEFINED                 500        0        0
BRE PROPERTIES INC CLASS A     COMMON STOCK     05564E106       17      600 SH       OTHER                   600        0        0
BRIGGS & STRATTON CORP COM WIS COMMON STOCK     109043109        0        4 SH       DEFINED                   4        0        0
BRINKER INTERNATIONAL INC COM* COMMON STOCK     109641100       52     1762 SH       DEFINED                1762        0        0
BRISTOL-MYERS SQUIBB CO COM *  COMMON STOCK     110122108    17876   306890 SH       DEFINED              304864        0     2026
BRISTOL-MYERS SQUIBB CO COM *  COMMON STOCK     110122108     2771    47568 SH       OTHER                 23418      150    24000
BROADVISION INC COM            COMMON STOCK     111412102       30      600 SH       DEFINED                 600        0        0
BROWN-FORMAN CORP CLASS B      COMMON STOCK     115637209       16      305 SH       DEFINED                 305        0        0
BUILDING MATERIALS HOLDING COR COMMON STOCK     120113105       12     1350 SH       DEFINED                1350        0        0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK     12189T104      384    16761 SH       DEFINED               16761        0        0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK     12189T104      329    14350 SH       OTHER                 12350     2000        0
BURLINGTON RESOURCES INC COM   COMMON STOCK     122014103       57     1498 SH       DEFINED                1498        0        0
BURLINGTON RESOURCES INC COM   COMMON STOCK     122014103       84     2191 SH       OTHER                     0      871     1320
BURR BROWN CORP COM            COMMON STOCK     122574106     1357    15650 SH       DEFINED               15650        0        0
CABOT CORP COM                 COMMON STOCK     127055101       11      400 SH       OTHER                     0        0      400
CABOT MICROELECTRONICS CORP CO COMMON STOCK     12709P103      705    15400 SH       DEFINED               15400        0        0
CABOT OIL & GAS CORP CLASS A   COMMON STOCK     127097103     1112    52500 SH       DEFINED               52500        0        0
CADENCE DESIGN SYSTEM INC COM  COMMON STOCK     127387108        6      317 SH       DEFINED                 317        0        0
CALLOWAYS NURSERY INC COM      COMMON STOCK     131255101        1      500 SH       DEFINED                 500        0        0
CALPINE CORP                   COMMON STOCK     131347106        1       20 SH       DEFINED                   0        0       20
CAMDEN PROPERTY TRUST SBI      COMMON STOCK     133131102       98     3328 SH       DEFINED                3328        0        0
CAMDEN PROPERTY TRUST SBI      COMMON STOCK     133131102       39     1340 SH       OTHER                     0      640      700
CAMPBELL SOUP CO COM           COMMON STOCK     134429109       16      533 SH       DEFINED                 533        0        0
CAMPBELL SOUP CO COM           COMMON STOCK     134429109       58     1976 SH       OTHER                     0     1776      200
CANDELA CORP COM               COMMON STOCK     136907102        9     1000 SH       DEFINED                1000        0        0
CAPITAL AUTOMOTIVE REIT        COMMON STOCK     139733109     6345   449170 SH       DEFINED              448870        0      300
CAPITAL AUTOMOTIVE REIT        COMMON STOCK     139733109       51     3634 SH       OTHER                  3634        0        0
CAPITAL ONE FINANCIAL CORP COM COMMON STOCK     14040H105      143     3200 SH       DEFINED                3200        0        0
CAPITAL SOUTHWEST CORP COM     COMMON STOCK     140501107       98     1600 SH       OTHER                  1600        0        0
CAPROCK COMMUNICATIONS CORP CO COMMON STOCK     140667106        9      450 SH       DEFINED                   0        0      450
CARDINAL HEALTH INC COM*       COMMON STOCK     14149Y108     3510    47428 SH       DEFINED               47198        0      230
CARDIODYNAMICS INTERNATIONAL C COMMON STOCK     141597104        4      675 SH       DEFINED                 675        0        0
CAREY DIVERSIFIED LLC COM      COMMON STOCK     14174P105       16     1000 SH       DEFINED                1000        0        0
CARNIVAL CORPORATION COM*      COMMON STOCK     143658102     1285    65874 SH       DEFINED               65474        0      400
CARNIVAL CORPORATION COM*      COMMON STOCK     143658102      534    27400 SH       OTHER                 27400        0        0
CASH AMERICA INTERNATIONAL INC COMMON STOCK     14754D100      573    77670 SH       OTHER                 77670        0        0
CATERPILLAR INC COM *          COMMON STOCK     149123101      621    18325 SH       DEFINED               17325        0     1000
CATERPILLAR INC COM *          COMMON STOCK     149123101      141     4152 SH       OTHER                  2200     1852      100
CELADON GROUP INC COM          COMMON STOCK     150838100       15     1300 SH       DEFINED                1300        0        0
CELGENE CORP                   COMMON STOCK     151020104       18      300 SH       OTHER                     0        0      300
CELL GENESYS INC COM           COMMON STOCK     150921104        8      300 SH       DEFINED                 100        0      200
CELL PATHWAYS COM              COMMON STOCK     15114R101        2      100 SH       DEFINED                 100        0        0
CENDANT CORP COM               COMMON STOCK     151313103      208    14875 SH       DEFINED               13675        0     1200
CENDANT CORP COM               COMMON STOCK     151313103        8      600 SH       OTHER                     0        0      600
CENTURY ALUMINUM CO COM        COMMON STOCK     156431108      316    29100 SH       DEFINED               29100        0        0
CENTURYTEL INC COM             COMMON STOCK     156700106      240     8350 SH       DEFINED                8350        0        0
CERUS CORP COM                 COMMON STOCK     157085101        5      100 SH       DEFINED                 100        0        0
CH ENERGY GROUP INC COM        COMMON STOCK     12541M102      102     3000 SH       DEFINED                3000        0        0
CHAMPION INTERNATIONAL CORP CO COMMON STOCK     158525105        0        5 SH       DEFINED                   5        0        0
CHASE MANHATTAN CORP NEW COM * COMMON STOCK     16161A108     2338    50767 SH       DEFINED               50617        0      150
CHASE MANHATTAN CORP NEW COM * COMMON STOCK     16161A108      140     3047 SH       OTHER                     0     3047        0
CHELSEA GCA REALTY INC COM     COMMON STOCK     163262108       24      700 SH       DEFINED                 500        0      200
CHELSEA GCA REALTY INC COM     COMMON STOCK     163262108        7      200 SH       OTHER                   200        0        0
CHEVRON CORP COM *             COMMON STOCK     166751107    14165   167010 SH       DEFINED              163519        0     3491
CHEVRON CORP COM *             COMMON STOCK     166751107     1181    13926 SH       OTHER                  8880     4846      200
CHICOS FAS INC COM             COMMON STOCK     168615102       64     3180 SH       DEFINED                3180        0        0
CHILDREN'S PLACE RETAIL STORES COMMON STOCK     168905107       84     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      143     3000 SH       DEFINED                3000        0        0
CHOICEPOINT INC COM            COMMON STOCK     170388102       11      240 SH       OTHER                     0        0      240
CIGNA CORP COM                 COMMON STOCK     125509109      284     3042 SH       DEFINED                2742        0      300
CINCINNATI FINANCIAL CORP COM  COMMON STOCK     172062101       21      660 SH       DEFINED                 660        0        0
CINERGY CORP COM               COMMON STOCK     172474108       10      400 SH       DEFINED                 400        0        0
CIRCUIT CITY GROUP             COMMON STOCK     172737108      385    11600 SH       DEFINED               11600        0        0
CISCO SYSTEM INC COM *         COMMON STOCK     17275R102    17570   276414 SH       DEFINED              274709        0     1705
CISCO SYSTEM INC COM *         COMMON STOCK     17275R102     1802    28355 SH       OTHER                 24055     2500     1800
CIT GROUP INC CLASS A          COMMON STOCK     125577106      202    12400 SH       DEFINED               12400        0        0
CITIGROUP INC COM *            COMMON STOCK     172967101    35110   582741 SH       DEFINED              576124        0     6617
CITIGROUP INC COM *            COMMON STOCK     172967101     4528    75146 SH       OTHER                 69746     5400        0
CITIZENS COMMUNICATIONS CO COM COMMON STOCK     17453B101        3      202 SH       DEFINED                 202        0        0
CITRIX SYSTEMS INC COM         COMMON STOCK     177376100       24     1280 SH       DEFINED                1200        0       80
CITY INVESTING CO LIQUIDATING  COMMON STOCK     177900107        0      263 SH       DEFINED                 263        0        0
CITY NATIONAL CORP COM         COMMON STOCK     178566105     1025    29500 SH       DEFINED               29500        0        0
CLARCOR INC COM                COMMON STOCK     179895107       30     1500 SH       DEFINED                1500        0        0
CLAYTON HOMES INC COM *        COMMON STOCK     184190106       46     5700 SH       DEFINED                5700        0        0
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK     184502102     4091    54553 SH       DEFINED               53823        0      730
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK     184502102    11503   153368 SH       OTHER                153368        0        0
CLECO CORP NEW COM             COMMON STOCK     12561W105       54     1600 SH       DEFINED                1000        0      600
CLOROX CO COM *                COMMON STOCK     189054109      803    17929 SH       DEFINED               17129        0      800
CLOROX CO COM *                COMMON STOCK     189054109      760    16968 SH       OTHER                 11368      800     4800
CMGI INC COM                   COMMON STOCK     125750109       78     1702 SH       DEFINED                1652        0       50
CMGI INC COM                   COMMON STOCK     125750109       23      500 SH       OTHER                   200        0      300
COASTAL BANCORP INC TEX        COMMON STOCK     19041P105       72     5000 SH       DEFINED                   0        0     5000
COASTAL CORP COM *             COMMON STOCK     190441105     7950   130594 SH       DEFINED              130594        0        0
COASTAL CORP COM *             COMMON STOCK     190441105     1110    18242 SH       OTHER                 18242        0        0
COBALT GROUP INC COM           COMMON STOCK     19074Q103        1      100 SH       OTHER                     0        0      100
COCA COLA BOTTLING CO CONSOLID COMMON STOCK     191098102       20      448 SH       DEFINED                   0        0      448
COCA COLA CO COM *             COMMON STOCK     191216100    10325   179763 SH       DEFINED              177311        0     2452
COCA COLA CO COM *             COMMON STOCK     191216100     1912    33297 SH       OTHER                 27697        0     5600
COGNOS INC COM                 COMMON STOCK     19244C109        8      200 SH       DEFINED                   0        0      200
COLGATE-PALMOLIVE CO COM *     COMMON STOCK     194162103     5757    96152 SH       DEFINED               95342        0      810
COLGATE-PALMOLIVE CO COM *     COMMON STOCK     194162103      604    10080 SH       OTHER                 10080        0        0
COLLEGELINK COM INC COM        COMMON STOCK     194535100        0      100 SH       DEFINED                 100        0        0
COLUMBIA ENERGY GROUP COMMON   COMMON STOCK     197648108       16      243 SH       DEFINED                 243        0        0
COMCAST CORP CLASS A SPECIAL   COMMON STOCK     200300200       32      800 SH       DEFINED                 100        0      700
COMDISCO INC COM               COMMON STOCK     200336105        2      100 SH       DEFINED                 100        0        0
COMDISCO INC COM               COMMON STOCK     200336105        9      400 SH       OTHER                     0        0      400
COMERICA INC COM *             COMMON STOCK     200340107      431     9600 SH       DEFINED                9600        0        0
COMMERCIAL FEDERAL CORP COM    COMMON STOCK     201647104     2753   176915 SH       DEFINED              176915        0        0
COMMERCIAL FEDERAL CORP COM    COMMON STOCK     201647104       16     1051 SH       OTHER                  1051        0        0
COMMSCOPE INC COM              COMMON STOCK     203372107       21      500 SH       DEFINED                 500        0        0
COMPAQ COMPUTER CORP COM *     COMMON STOCK     204493100    11151   436217 SH       DEFINED              419743        0    16474
COMPAQ COMPUTER CORP COM *     COMMON STOCK     204493100      819    32030 SH       OTHER                 32030        0        0
COMPASS BANCSHARES INC COM     COMMON STOCK     20449H109      781    45750 SH       DEFINED               45750        0        0
COMPUTER ASSOC INTL INC COM*   COMMON STOCK     204912109     5309   103718 SH       DEFINED              103718        0        0
COMPUTER ASSOC INTL INC COM*   COMMON STOCK     204912109      195     3800 SH       OTHER                  3800        0        0
COMPUTER SCIENCES CORP COM *   COMMON STOCK     205363104     2940    39366 SH       DEFINED               39266        0      100
COMPUTER SCIENCES CORP COM *   COMMON STOCK     205363104      505     6760 SH       OTHER                  6760        0        0
COMPUWARE CORP COM             COMMON STOCK     205638109       10     1000 SH       DEFINED                1000        0        0
COMVERSE TECHNOLOGY INC COM    COMMON STOCK     205862402       37      400 SH       DEFINED                 400        0        0
CONAGRA INC COM                COMMON STOCK     205887102       17      900 SH       DEFINED                 900        0        0
CONAGRA INC COM                COMMON STOCK     205887102      143     7500 SH       OTHER                  7500        0        0
CONEXANT SYSTEMS INC COM       COMMON STOCK     207142100      115     2374 SH       DEFINED                2374        0        0
CONOCO INC CL B WI             COMMON STOCK     208251405      136     5526 SH       DEFINED                5526        0        0
CONOCO INC CL B WI             COMMON STOCK     208251405       75     3070 SH       OTHER                     0     3070        0
CONSECO INC COM                COMMON STOCK     208464107     2498   256248 SH       DEFINED              255530        0      718
CONSECO INC COM                COMMON STOCK     208464107       87     8900 SH       OTHER                  8900        0        0
CONSOLIDATED EDISON INC COM    COMMON STOCK     209115104       42     1422 SH       DEFINED                1422        0        0
CONSOLIDATED PAPERS INC COM    COMMON STOCK     209759109      117     3200 SH       DEFINED                3200        0        0
CONSTELLATION ENERGY GROUP INC COMMON STOCK     210371100       23      700 SH       DEFINED                   0        0      700
CONSTELLATION ENERGY GROUP INC COMMON STOCK     210371100       10      300 SH       OTHER                   300        0        0
CORN PRODUCTS INTERNATIONAL IN COMMON STOCK     219023108        2       84 SH       DEFINED                  84        0        0
CORNING INC COM                COMMON STOCK     219350105     5294    19616 SH       DEFINED               19616        0        0
COST PLUS INC CALIF COM        COMMON STOCK     221485105      931    32450 SH       DEFINED               32450        0        0
COSTCO WHOLESALE CORP NEW COM  COMMON STOCK     22160K105       30      902 SH       DEFINED                 302        0      600
COUNTRYWIDE CREDIT INDS INC CO COMMON STOCK     222372104        9      300 SH       DEFINED                   0        0      300
COVAD COMMUNICATIONS GROUP     COMMON STOCK     222814204        8      500 SH       DEFINED                 500        0        0
COVAD COMMUNICATIONS GROUP     COMMON STOCK     222814204       15      900 SH       OTHER                     0        0      900
COX COMMUNICATIONS INC CLASS A COMMON STOCK     224044107        8      184 SH       DEFINED                   0        0      184
CRANE CO COM                   COMMON STOCK     224399105       22      925 SH       DEFINED                 925        0        0
CREDENCE SYSTEMS CORP COM      COMMON STOCK     225302108     1827    33100 SH       DEFINED               33100        0        0
CRESCENT REAL EST EQTY TRUST   COMMON STOCK     225756105      570    27810 SH       DEFINED               27810        0        0
CRESCENT REAL EST EQTY TRUST   COMMON STOCK     225756105      255    12418 SH       OTHER                   418     1000    11000
CROSS TIMBERS OIL CO COM       COMMON STOCK     227573102       17      750 SH       DEFINED                 750        0        0
CROSS TIMBERS ROYALTY TRUST    COMMON STOCK     22757R109       50     3600 SH       OTHER                     0     1800     1800
CROWN CORK & SEAL INC COM *    COMMON STOCK     228255105       30     2000 SH       DEFINED                2000        0        0
CSX CORP COM                   COMMON STOCK     126408103      110     5180 SH       DEFINED                5180        0        0
CULLEN/FROST BANKERS INC COM   COMMON STOCK     229899109    10657   405014 SH       DEFINED              371752    17607    15655
CULLEN/FROST BANKERS INC COM   COMMON STOCK     229899109     1375    52238 SH       OTHER                 46784     5088      366
CUMMINS ENGINE COMPANY INC COM COMMON STOCK     231021106        3      114 SH       DEFINED                 114        0        0
CVS CORP COM                   COMMON STOCK     126650100      292     7290 SH       DEFINED                7290        0        0
CYBERONICS INC COM             COMMON STOCK     23251P102        2      200 SH       DEFINED                 200        0        0
CYBERSOURCE CORP               COMMON STOCK     23251J106       14     1000 SH       DEFINED                1000        0        0
CYGNUS INC COM                 COMMON STOCK     232560102        3      200 SH       DEFINED                 200        0        0
CYPRESS SEMICONDUCTOR CORP COM COMMON STOCK     232806109     1732    41000 SH       DEFINED               40950        0       50
CYTEC INDUSTRIES INC COM       COMMON STOCK     232820100        9      363 SH       DEFINED                 363        0        0
DARDEN RESTAURANTS INC COM     COMMON STOCK     237194105        4      266 SH       DEFINED                 266        0        0
DARDEN RESTAURANTS INC COM     COMMON STOCK     237194105       55     3400 SH       OTHER                     0     3200      200
DATA BROADCASTING CORP COM     COMMON STOCK     237596101        1      200 SH       OTHER                     0        0      200
DATA RETURN CORP COM           COMMON STOCK     23785M104        7      230 SH       DEFINED                 230        0        0
DEERE & CO COM *               COMMON STOCK     244199105     2093    56555 SH       DEFINED               56555        0        0
DEERE & CO COM *               COMMON STOCK     244199105      554    14970 SH       OTHER                 13970        0     1000
DEL MONTE FOODS INC            COMMON STOCK     24522P103        1      200 SH       DEFINED                 200        0        0
DELL COMPUTER CORP COM*        COMMON STOCK     247025109    24382   494438 SH       DEFINED              473309        0    21129
DELL COMPUTER CORP COM*        COMMON STOCK     247025109     1392    28229 SH       OTHER                 27004      225     1000
DELPHI AUTOMOTIVE SYSTEMS CORP COMMON STOCK     247126105       89     6101 SH       DEFINED                6032        0       69
DELPHI AUTOMOTIVE SYSTEMS CORP COMMON STOCK     247126105       60     4099 SH       OTHER                  4099        0        0
DELTA & PINE LAND CO           COMMON STOCK     247357106      835    33300 SH       DEFINED               33300        0        0
DELUXE CORP COM                COMMON STOCK     248019101        2      100 SH       DEFINED                 100        0        0
DELUXE CORP COM                COMMON STOCK     248019101       19      800 SH       OTHER                     0      800        0
DEVON ENERGY CORPORATION NEW C COMMON STOCK     25179M103     1214    21614 SH       DEFINED               21114        0      500
DEVON ENERGY CORPORATION NEW C COMMON STOCK     25179M103        6      100 SH       OTHER                     0        0      100
DIAMOND OFFSHORE DRILLING INC  COMMON STOCK     25271C102        7      200 SH       DEFINED                 200        0        0
DIEBOLD INC COM *              COMMON STOCK     253651103      551    19761 SH       DEFINED               19761        0        0
DIEBOLD INC COM *              COMMON STOCK     253651103       21      750 SH       OTHER                     0        0      750
DIGITAL ISLAND DEL INC COM     COMMON STOCK     25385N101       27      550 SH       OTHER                     0        0      550
DIGITAL MICROWAVE CORP COM     COMMON STOCK     253859102      287     7522 SH       DEFINED                7522        0        0
DIGITAS INC COM                COMMON STOCK     25388K104        0       20 SH       DEFINED                  20        0        0
DILLARDS INC CLASS A           COMMON STOCK     254067101     4003   326762 SH       DEFINED              326762        0        0
DILLARDS INC CLASS A           COMMON STOCK     254067101       23     1903 SH       OTHER                  1903        0        0
DISNEY (WALT) COMPANY HOLDING  COMMON STOCK     254687106     4441   114423 SH       DEFINED              111523        0     2900
DISNEY (WALT) COMPANY HOLDING  COMMON STOCK     254687106     1516    39057 SH       OTHER                 22530     7194     9333
DIVERSA CORP COM               COMMON STOCK     255064107        3      100 SH       DEFINED                 100        0        0
DOBSON COMMUNICATIONS CORP COM COMMON STOCK     256069105        2      100 SH       DEFINED                 100        0        0
DOLLAR GENERAL CORP COM        COMMON STOCK     256669102       28     1412 SH       DEFINED                1412        0        0
DOMINION RES INC VA NEW COM    COMMON STOCK     25746U109       92     2145 SH       DEFINED                1945        0      200
DOMINION RES INC VA NEW COM    COMMON STOCK     25746U109       12      275 SH       OTHER                   275        0        0
DOUBLECLICK INC                COMMON STOCK     258609304       13      350 SH       OTHER                     0        0      350
DOVER CORP COM *               COMMON STOCK     260003108     1264    31165 SH       DEFINED               30655        0      510
DOVER CORP COM *               COMMON STOCK     260003108       95     2330 SH       OTHER                  2330        0        0
DOW CHEMICAL CO COM *          COMMON STOCK     260543103     1390    46058 SH       DEFINED               46058        0        0
DOW CHEMICAL CO COM *          COMMON STOCK     260543103       80     2634 SH       OTHER                  1734      900        0
DOW JONES & CO INC COM*        COMMON STOCK     260561105     1531    20900 SH       DEFINED               20900        0        0
DOW JONES & CO INC COM*        COMMON STOCK     260561105        7      100 SH       OTHER                     0        0      100
DRIL-QUIP INC COM              COMMON STOCK     262037104       23      500 SH       DEFINED                 500        0        0
DTE ENERGY COMPANY COM         COMMON STOCK     233331107       36     1166 SH       OTHER                     0     1166        0
DU PONT E I DE NEMOURS & CO CO COMMON STOCK     263534109     4510   103097 SH       DEFINED              102297        0      800
DU PONT E I DE NEMOURS & CO CO COMMON STOCK     263534109     1200    27420 SH       OTHER                 15962     4958     6500
DUKE ENERGY CORP *             COMMON STOCK     264399106     4798    85101 SH       DEFINED               84601        0      500
DUKE ENERGY CORP *             COMMON STOCK     264399106      327     5802 SH       OTHER                  5802        0        0
DUKE WEEKS REALTY CORP COM     COMMON STOCK     264411505       16      700 SH       DEFINED                 700        0        0
DUN & BRADSTREET CORP DEL NEW  COMMON STOCK     26483B106       66     2300 SH       DEFINED                1500        0      800
DURA PHARMACEUTICALS INC COM   COMMON STOCK     26632S109       20     1400 SH       DEFINED                1400        0        0
DYNACQ INTERNATIONAL INC COM   COMMON STOCK     267919306      165    21300 SH       DEFINED               21300        0        0
E M C CORP MASSACHUSETTS COM * COMMON STOCK     268648102    14271   185489 SH       DEFINED              183521        0     1968
E M C CORP MASSACHUSETTS COM * COMMON STOCK     268648102     1690    21970 SH       OTHER                 21870        0      100
E TOWN CORP COM                COMMON STOCK     269242103       13      200 SH       DEFINED                   0        0      200
E.SPIRE COMMUNICATIONS INC COM COMMON STOCK     269153102        8     1250 SH       DEFINED                   0        0     1250
E*TRADE GROUP INC COM          COMMON STOCK     269246104       18     1100 SH       DEFINED                1100        0        0
EARTHGRAINS COMPANY COM        COMMON STOCK     270319106      110     5640 SH       DEFINED                5640        0        0
EASTMAN CHEMICAL CO COM        COMMON STOCK     277432100        2       37 SH       DEFINED                  37        0        0
EASTMAN CHEMICAL CO COM        COMMON STOCK     277432100        3       56 SH       OTHER                    56        0        0
EASTMAN KODAK CO COM *         COMMON STOCK     277461109      677    11380 SH       DEFINED               11380        0        0
EASTMAN KODAK CO COM *         COMMON STOCK     277461109       97     1625 SH       OTHER                  1625        0        0
EATON CORP COM *               COMMON STOCK     278058102       85     1274 SH       DEFINED                1274        0        0
EBAY INC COM                   COMMON STOCK     278642103        5      100 SH       DEFINED                 100        0        0
ECHELON CORP                   COMMON STOCK     27874N105        6      100 SH       DEFINED                   0        0      100
ECHOSTAR COMMUNICATIONS CORP N COMMON STOCK     278762109       26      800 SH       DEFINED                 800        0        0
ECOLAB INC COM                 COMMON STOCK     278865100      217     5544 SH       DEFINED                5344        0      200
EDISON INTERNATIONAL COM       COMMON STOCK     281020107       10      500 SH       DEFINED                 500        0        0
EDISON INTERNATIONAL COM       COMMON STOCK     281020107        2      100 SH       OTHER                   100        0        0
EDWARDS A G INC COM *          COMMON STOCK     281760108       23      600 SH       OTHER                   600        0        0
EDWARDS LIFESCIENCES CORP COM  COMMON STOCK     28176E108       40     2173 SH       DEFINED                2173        0        0
EDWARDS LIFESCIENCES CORP COM  COMMON STOCK     28176E108        1       33 SH       OTHER                    33        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     2095    41134 SH       DEFINED               40656        0      478
EL PASO ENERGY CORP DEL COM *  COMMON STOCK     283905107      900    17670 SH       OTHER                  2254     2416    13000
ELECTRO SCIENTIFIC INDUSTRIES  COMMON STOCK     285229100      885    20100 SH       DEFINED               20100        0        0
ELECTRONIC DATA SYSTEMS CORP C COMMON STOCK     285661104      421    10198 SH       DEFINED               10198        0        0
ELECTRONIC DATA SYSTEMS CORP C COMMON STOCK     285661104       63     1524 SH       OTHER                  1524        0        0
ELI LILLY & CO COM *           COMMON STOCK     532457108     1698    17005 SH       DEFINED               17005        0        0
ELI LILLY & CO COM *           COMMON STOCK     532457108     1179    11800 SH       OTHER                 11700        0      100
EMERSON ELECTRIC CO COM *      COMMON STOCK     291011104     6479   107318 SH       DEFINED              105918        0     1400
EMERSON ELECTRIC CO COM *      COMMON STOCK     291011104      987    16350 SH       OTHER                 12350        0     4000
EMPIRE DISTRICT ELECTRIC CO CO COMMON STOCK     291641108        4      200 SH       DEFINED                 200        0        0
EMULEX CORP COM                COMMON STOCK     292475209       13      200 SH       OTHER                     0        0      200
ENCOMPASS SERVICES CORPORATION COMMON STOCK     29255U104      164    28537 SH       DEFINED               28537        0        0
ENDOCARE INC COM               COMMON STOCK     29264P104        2      100 SH       DEFINED                   0        0      100
ENERGIZER HOLDINGS INC COM     COMMON STOCK     29266R108       52     2863 SH       DEFINED                2863        0        0
ENERGIZER HOLDINGS INC COM     COMMON STOCK     29266R108       16      899 SH       OTHER                     0        0      899
ENERGY CONVERSION DEVICES INC  COMMON STOCK     292659109       24      937 SH       DEFINED                 937        0        0
ENERGY EAST CORP COM           COMMON STOCK     29266M109       19     1012 SH       DEFINED                 912        0      100
ENGAGE INC COM                 COMMON STOCK     292827102        5      400 SH       OTHER                     0        0      400
ENGELHARD CORP COM*            COMMON STOCK     292845104      469    27500 SH       DEFINED               27500        0        0
ENRON CORP COM *               COMMON STOCK     293561106    19653   304699 SH       DEFINED              304019        0      680
ENRON CORP COM *               COMMON STOCK     293561106     2282    35380 SH       OTHER                 33380        0     2000
ENSCO INTERNATIONAL INC COM    COMMON STOCK     26874Q100       18      500 SH       OTHER                   500        0        0
ENTERCOM COMMUNICATIONS CORP C COMMON STOCK     293639100       10      200 SH       DEFINED                 200        0        0
ENTERGY CORP NEW COM           COMMON STOCK     29364G103      277    10196 SH       DEFINED               10196        0        0
ENZO BIOCHEM INC COM           COMMON STOCK     294100102     1321    19142 SH       DEFINED               19142        0        0
EOG RESOURCES INC COM          COMMON STOCK     26875P101      784    23392 SH       DEFINED               23392        0        0
EOG RESOURCES INC COM          COMMON STOCK     26875P101        3      100 SH       OTHER                     0        0      100
EPICEDGE INC COM               COMMON STOCK     29426X102        0        3 SH       DEFINED                   3        0        0
EPITOPE INC COM                COMMON STOCK     294261102       73     5300 SH       DEFINED                5300        0        0
EQUIFAX INC COM *              COMMON STOCK     294429105       39     1500 SH       DEFINED                1500        0        0
EQUIFAX INC COM *              COMMON STOCK     294429105       32     1200 SH       OTHER                     0        0     1200
ESCO ELECTRONICS CORP COM      COMMON STOCK     269030102       15      855 SH       DEFINED                 855        0        0
ETHAN ALLEN INTERIORS INC COM  COMMON STOCK     297602104        5      225 SH       DEFINED                 225        0        0
EXODUS COMMUNICATIONS INC      COMMON STOCK     302088109       37      800 SH       DEFINED                 800        0        0
EXXON MOBIL CORP COM *         COMMON STOCK     30231G102    52849   673240 SH       DEFINED              666369        0     6871
EXXON MOBIL CORP COM *         COMMON STOCK     30231G102    10882   138621 SH       OTHER                126077     1836    10708
FAIRCHILD SEMICONDUCTOR CORPOR COMMON STOCK     303726103       20      500 SH       DEFINED                 500        0        0
FAMILY DOLLAR STORES INC COM   COMMON STOCK     307000109     1566    80050 SH       DEFINED               80050        0        0
FANNIE MAE *                   COMMON STOCK     313586109    28265   541604 SH       DEFINED              534128        0     7476
FANNIE MAE *                   COMMON STOCK     313586109     2005    38426 SH       OTHER                 37671      755        0
FEDERAL REALTY INVESTMENT TRUS COMMON STOCK     313747206       20     1000 SH       DEFINED                1000        0        0
FEDEX CORP COM                 COMMON STOCK     31428X106       57     1500 SH       OTHER                  1500        0        0
FELCOR LODGING TRUST INC       COMMON STOCK     31430F101       19     1000 SH       DEFINED                1000        0        0
FIDELITY NATIONAL FINANCIAL IN COMMON STOCK     316326107     1655    90400 SH       DEFINED               90400        0        0
FINANCIAL SEC ASSURANCE HOLDIN COMMON STOCK     31769P100        7       95 SH       DEFINED                  95        0        0
FIRST CITY FINANCIAL CORP COM  COMMON STOCK     33761X107        0        7 SH       DEFINED                   7        0        0
FIRST DATA CORP COM *          COMMON STOCK     319963104      965    19455 SH       DEFINED               19455        0        0
FIRST DATA CORP COM *          COMMON STOCK     319963104      114     2300 SH       OTHER                  2300        0        0
FIRST FED FINL CORP OF KENTUCK COMMON STOCK     319961108       42     2200 SH       DEFINED                2200        0        0
FIRST FEDERAL BANCSHARES ARK I COMMON STOCK     32020F105        7      500 SH       OTHER                   500        0        0
FIRST FINANCIAL BANKSHARES INC COMMON STOCK     32020R109       38     1394 SH       OTHER                  1394        0        0
FIRST UNION CORP COM *         COMMON STOCK     337358105     1309    52744 SH       DEFINED               51744        0     1000
FIRST UNION CORP COM *         COMMON STOCK     337358105       73     2958 SH       OTHER                  2958        0        0
FIRST UNION REAL ESTATE EQUITY COMMON STOCK     337400105       15     5096 SH       DEFINED                5096        0        0
FIRSTAR CORP NEW WIS COM       COMMON STOCK     33763V109     1296    61541 SH       DEFINED               61541        0        0
FIRSTAR CORP NEW WIS COM       COMMON STOCK     33763V109       57     2700 SH       OTHER                  2700        0        0
FIRSTENERGY CORP COM           COMMON STOCK     337932107      155     6626 SH       DEFINED                6626        0        0
FIRSTWORLD COMMUNICATIONS INC  COMMON STOCK     337625305       13     1200 SH       DEFINED                1200        0        0
FISERV INC COM *               COMMON STOCK     337738108    15324   354308 SH       DEFINED              346080        0     8228
FISERV INC COM *               COMMON STOCK     337738108     1243    28731 SH       OTHER                 28481      250        0
FLEETBOSTON FINANCIAL CORP COM COMMON STOCK     339030108     2260    66472 SH       DEFINED               64112        0     2360
FLEETBOSTON FINANCIAL CORP COM COMMON STOCK     339030108      303     8922 SH       OTHER                  8870        0       52
FLEXTRONICS INTERNATIONAL LTD  COMMON STOCK     Y2573F102       16      226 SH       DEFINED                 226        0        0
FLORIDA PROGRESS CORP COM      COMMON STOCK     341109106       41      875 SH       DEFINED                 875        0        0
FLORIDA PROGRESS CORP COM      COMMON STOCK     341109106       11      225 SH       OTHER                   225        0        0
FLORIDA ROCK INDUSTRIES INC CO COMMON STOCK     341140101      709    19900 SH       DEFINED               19900        0        0
FLOWERS INDUSTRIES INC COM     COMMON STOCK     343496105       48     2400 SH       OTHER                  2400        0        0
FLUOR CORP COM                 COMMON STOCK     343861100       32     1000 SH       OTHER                  1000        0        0
FMC CORP COM NEW               COMMON STOCK     302491303      174     3000 SH       DEFINED                3000        0        0
FONAR CORP COM                 COMMON STOCK     344437108        0       96 SH       DEFINED                  96        0        0
FOOTSTAR INC COM               COMMON STOCK     344912100       15      460 SH       DEFINED                 460        0        0
FORD MOTOR CO DELAWARE COM *   COMMON STOCK     345370100     6349   147658 SH       DEFINED              146935        0      723
FORD MOTOR CO DELAWARE COM *   COMMON STOCK     345370100       79     1827 SH       OTHER                  1827        0        0
FOREST LABORATORIES INC COM *  COMMON STOCK     345838106     1174    11627 SH       DEFINED               11627        0        0
FOREST LABORATORIES INC COM *  COMMON STOCK     345838106      252     2495 SH       OTHER                  2495        0        0
FOREST OIL CORP COM            COMMON STOCK     346091606     1745   109500 SH       DEFINED              108500        0     1000
FORTUNE BRANDS INC COM *       COMMON STOCK     349631101     1285    55730 SH       DEFINED               54670        0     1060
FORTUNE BRANDS INC COM *       COMMON STOCK     349631101       23     1004 SH       OTHER                  1004        0        0
FPL GROUP INC COM *            COMMON STOCK     302571104     1004    20290 SH       DEFINED               20290        0        0
FPL GROUP INC COM *            COMMON STOCK     302571104       51     1031 SH       OTHER                  1031        0        0
FREDDIE MAC *                  COMMON STOCK     313400301     1129    27865 SH       DEFINED               27265        0      600
FREDDIE MAC *                  COMMON STOCK     313400301      500    12350 SH       OTHER                   350        0    12000
FREEPORT-MCMORAN COPPER & GOLD COMMON STOCK     35671D857        1      145 SH       DEFINED                 145        0        0
FRIEDE GOLDMAN INTERNATIONAL I COMMON STOCK     358430106       22     2501 SH       DEFINED                 478        0     2023
FULLER H.B. CO COM             COMMON STOCK     359694106        9      200 SH       DEFINED                 200        0        0
FVC.COM INC                    COMMON STOCK     30266P100        2      300 SH       DEFINED                 300        0        0
F5 NETWORKS INC                COMMON STOCK     315616102       16      300 SH       OTHER                   300        0        0
GADZOOX NETWORKS INC COM       COMMON STOCK     362555104        6      412 SH       DEFINED                 412        0        0
GANNETT CO COM*                COMMON STOCK     364730101      986    16480 SH       DEFINED               16480        0        0
GAP INC COM *                  COMMON STOCK     364760108     1572    50293 SH       DEFINED               50193        0      100
GAP INC COM *                  COMMON STOCK     364760108       52     1676 SH       OTHER                  1676        0        0
GASONICS INTERNATIONAL CORP CO COMMON STOCK     367278108     2122    53800 SH       DEFINED               53800        0        0
GATEWAY INC COM                COMMON STOCK     367626108        6      100 SH       DEFINED                 100        0        0
GATX CORP COM                  COMMON STOCK     361448103       13      372 SH       OTHER                     0      372        0
GENCORP INC COM                COMMON STOCK     368682100        0       19 SH       OTHER                    19        0        0
GENE LOGIC INC COM             COMMON STOCK     368689105        7      200 SH       OTHER                   200        0        0
GENERAL COMMUNICATION INC CLAS COMMON STOCK     369385109        1      100 SH       DEFINED                 100        0        0
GENERAL DYNAMICS CORP COM      COMMON STOCK     369550108       94     1804 SH       DEFINED                1404        0      400
GENERAL ELECTRIC CO COM *      COMMON STOCK     369604103    61858  1167140 SH       DEFINED             1145120        0    22020
GENERAL ELECTRIC CO COM *      COMMON STOCK     369604103     9694   182901 SH       OTHER                129081    14520    39300
GENERAL GROWTH PPTYS INC COM   COMMON STOCK     370021107      432    13600 SH       OTHER                     0        0    13600
GENERAL MILLS INC COM          COMMON STOCK     370334104      557    14562 SH       DEFINED               14562        0        0
GENERAL MILLS INC COM          COMMON STOCK     370334104      337     8800 SH       OTHER                  2000     6400      400
GENERAL MOTORS CORP CLASS H NE COMMON STOCK     370442832       58      665 SH       DEFINED                 665        0        0
GENERAL MOTORS CORP CLASS H NE COMMON STOCK     370442832       43      495 SH       OTHER                   495        0        0
GENERAL MOTORS CORP COM        COMMON STOCK     370442105      896    15428 SH       DEFINED               14828        0      600
GENERAL MOTORS CORP COM        COMMON STOCK     370442105      377     6485 SH       OTHER                  6485        0        0
GENSYM CORP COM                COMMON STOCK     37245R107        1      200 SH       OTHER                     0        0      200
GENTA INC COM                  COMMON STOCK     37245M207       21     3300 SH       DEFINED                2800        0      500
GENUINE PARTS CO COM           COMMON STOCK     372460105       14      675 SH       OTHER                   675        0        0
GENZYME CORP-GENERAL DIVISION  COMMON STOCK     372917104       77     1300 SH       DEFINED                1300        0        0
GENZYME MOLECULAR ONCOLOGY COM COMMON STOCK     372917500       27     1925 SH       DEFINED                1925        0        0
GEORGIA PACIFIC TIMBER GROUP C COMMON STOCK     373298702       22     1000 SH       OTHER                  1000        0        0
GEORGIA-PACIFIC CORP COM *     COMMON STOCK     373298108       59     2250 SH       OTHER                  2250        0        0
GIANT INDUSTRIES INC COM       COMMON STOCK     374508109       27     3422 SH       DEFINED                3422        0        0
GILLETTE CO COM *              COMMON STOCK     375766102     1050    30065 SH       DEFINED               28915        0     1150
GILLETTE CO COM *              COMMON STOCK     375766102      466    13350 SH       OTHER                 10150        0     3200
GLOBAL CROSSING LTD COM        COMMON STOCK     G3921A100      158     6010 SH       DEFINED                5710        0      300
GLOBAL CROSSING LTD COM        COMMON STOCK     G3921A100       12      450 SH       OTHER                   450        0        0
GLOBAL INDUSTRIES LTD COM      COMMON STOCK     379336100        2      100 SH       DEFINED                 100        0        0
GLOBAL INDUSTRIES LTD COM      COMMON STOCK     379336100        9      500 SH       OTHER                     0        0      500
GLOBAL MARINE INC COM NEW      COMMON STOCK     379352404      753    26700 SH       DEFINED               26700        0        0
GLOBAL MARINE INC COM NEW      COMMON STOCK     379352404       20      700 SH       OTHER                   700        0        0
GLOBALSTAR TELECOMMUNICATIONS  COMMON STOCK     G3930H104        1      150 SH       DEFINED                 150        0        0
GLOBESPAN INC COM              COMMON STOCK     379571102       24      200 SH       OTHER                   200        0        0
GLOBIX CORP COM                COMMON STOCK     37957F101        3      100 SH       DEFINED                 100        0        0
GOLDMAN SACHS GROUP INC COM    COMMON STOCK     38141G104       66      700 SH       OTHER                   700        0        0
GOODRICH B. F. CO COM          COMMON STOCK     382388106       14      400 SH       OTHER                     0        0      400
GOODYEAR TIRE & RUBBER CO COM  COMMON STOCK     382550101     3516   175807 SH       DEFINED              175807        0        0
GOODYEAR TIRE & RUBBER CO COM  COMMON STOCK     382550101       67     3337 SH       OTHER                  2937        0      400
GORMAN RUPP CO COM             COMMON STOCK     383082104       11      675 SH       OTHER                     0      675        0
GO2NET INC COM                 COMMON STOCK     383486107       10      200 SH       DEFINED                 200        0        0
GPU INC COM                    COMMON STOCK     36225X100       14      500 SH       DEFINED                 200        0      300
GPU INC COM                    COMMON STOCK     36225X100       14      500 SH       OTHER                   500        0        0
GRACE W R & CO NEW COM         COMMON STOCK     38388F108      453    37336 SH       DEFINED               37336        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     1241    50650 SH       DEFINED               50650        0        0
GRANT PRIDECO INC COM          COMMON STOCK     38821G101     1288    51500 SH       DEFINED               51500        0        0
GRANT PRIDECO INC COM          COMMON STOCK     38821G101        4      176 SH       OTHER                     0        0      176
GREATER BAY BANCORP COM        COMMON STOCK     391648102      753    16100 SH       DEFINED               16100        0        0
GREENBRIER COMPANIES INC COM   COMMON STOCK     393657101        7     1000 SH       DEFINED                1000        0        0
GTE CORP COM *                 COMMON STOCK     362320103    13972   224455 SH       DEFINED              219527        0     4928
GTE CORP COM *                 COMMON STOCK     362320103     1062    17062 SH       OTHER                 10362      300     6400
GUARDIAN TECHNOLOGIES INTL INC COMMON STOCK     400910303        1      600 SH       OTHER                     0        0      600
GUIDANT CORP COM               COMMON STOCK     401698105       25      500 SH       DEFINED                   0        0      500
H & Q LIFE SCIENCES INVS       COMMON STOCK     404053100       12      400 SH       DEFINED                 400        0        0
HAIN CELESTIAL GROUP INC       COMMON STOCK     405217100        0        1 SH       DEFINED                   1        0        0
HALLIBURTON CO COM *           COMMON STOCK     406216101     2359    49984 SH       DEFINED               49209        0      775
HALLIBURTON CO COM *           COMMON STOCK     406216101      394     8350 SH       OTHER                  3650     3000     1700
HALLWOOD ENERGY CORP DEL COM   COMMON STOCK     40636X105        0       17 SH       DEFINED                  17        0        0
HANDLEMAN CO DEL COM           COMMON STOCK     410252100      805    64400 SH       DEFINED               64400        0        0
HARKEN ENERGY CORP COM         COMMON STOCK     412552101        0      200 SH       DEFINED                 200        0        0
HARLEY-DAVIDSON INC COM *      COMMON STOCK     412822108       19      500 SH       DEFINED                 500        0        0
HARLEY-DAVIDSON INC COM *      COMMON STOCK     412822108      162     4200 SH       OTHER                  3800        0      400
HARRAH'S ENTERTAINMENT INC COM COMMON STOCK     413619107       21     1000 SH       DEFINED                 600        0      400
HARRIS CORP DELAWARE COM       COMMON STOCK     413875105     1353    41300 SH       DEFINED               41300        0        0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104      503     8995 SH       DEFINED                8995        0        0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104      134     2400 SH       OTHER                     0        0     2400
HASBRO INC COM *               COMMON STOCK     418056107     1143    75883 SH       DEFINED               75883        0        0
HASBRO INC COM *               COMMON STOCK     418056107       53     3500 SH       OTHER                  3000        0      500
HCA - THE HEALTHCARE COMPANY*  COMMON STOCK     404119109     8799   289668 SH       DEFINED              286614        0     3054
HCA - THE HEALTHCARE COMPANY*  COMMON STOCK     404119109       26      850 SH       OTHER                   850        0        0
HEALTH MGMT ASSOC INC NEW CLAS COMMON STOCK     421933102       17     1300 SH       DEFINED                   0        0     1300
HEALTHCENTRAL.COM              COMMON STOCK     42221V106        0      100 SH       DEFINED                 100        0        0
HEALTHEON/WEBMD CORP COM       COMMON STOCK     422209106        2      120 SH       DEFINED                 120        0        0
HEALTHSOUTH CORP COM           COMMON STOCK     421924101       14     2000 SH       DEFINED                2000        0        0
HEALTHSOUTH CORP COM           COMMON STOCK     421924101        1      100 SH       OTHER                   100        0        0
HEARST-ARGYLE TELEVISION INC C COMMON STOCK     422317107       39     2025 SH       DEFINED                2025        0        0
HECLA MINING CO COM            COMMON STOCK     422704106        0      250 SH       DEFINED                   0        0      250
HEINZ H. J. CO COM*            COMMON STOCK     423074103     1428    32650 SH       DEFINED               32650        0        0
HEINZ H. J. CO COM*            COMMON STOCK     423074103      217     4950 SH       OTHER                  3750     1200        0
HERSHEY FOODS CORP COM *       COMMON STOCK     427866108      277     5716 SH       DEFINED                5716        0        0
HERSHEY FOODS CORP COM *       COMMON STOCK     427866108       97     2000 SH       OTHER                   400        0     1600
HEWLETT PACKARD CO COM (DEL)*  COMMON STOCK     428236103     9401    75280 SH       DEFINED               73730        0     1550
HEWLETT PACKARD CO COM (DEL)*  COMMON STOCK     428236103     2155    17261 SH       OTHER                 17261        0        0
HIBERNIA CORP CLASS A          COMMON STOCK     428656102       65     6000 SH       DEFINED                1000        0     5000
HIGHLANDS INSURANCE GROUP INC  COMMON STOCK     431032101        9     1000 SH       OTHER                  1000        0        0
HILFIGER TOMMY CORP COM *      COMMON STOCK     G8915Z102     1949   259825 SH       DEFINED              259825        0        0
HILFIGER TOMMY CORP COM *      COMMON STOCK     G8915Z102       72     9600 SH       OTHER                  9600        0        0
HILLENBRAND INDUSTRIES INC COM COMMON STOCK     431573104       63     2000 SH       DEFINED                2000        0        0
HILTON HOTELS CORP COM         COMMON STOCK     432848109        4      400 SH       DEFINED                   0        0      400
HOME DEPOT INC COM *           COMMON STOCK     437076102     5100   102119 SH       DEFINED               99669        0     2450
HOME DEPOT INC COM *           COMMON STOCK     437076102      830    16611 SH       OTHER                  2211        0    14400
HOMESTAKE MINING CO COM        COMMON STOCK     437614100       28     4012 SH       DEFINED                   0        0     4012
HOMESTORE.COM INC COM          COMMON STOCK     437852106       20      700 SH       OTHER                   700        0        0
HON INDUSTRIES INC COM         COMMON STOCK     438092108     1028    43752 SH       DEFINED               43752        0        0
HON INDUSTRIES INC COM         COMMON STOCK     438092108        8      360 SH       OTHER                   360        0        0
HONEYWELL INTERNATIONAL INC CO COMMON STOCK     438516106     6435   191014 SH       DEFINED              182254        0     8760
HONEYWELL INTERNATIONAL INC CO COMMON STOCK     438516106      175     5200 SH       OTHER                  5200        0        0
HOSPITALITY PROPERTIES TRUST   COMMON STOCK     44106M102       13      585 SH       DEFINED                   0        0      585
HOUSEHOLD INTERNATIONAL CORP C COMMON STOCK     441815107      337     8100 SH       DEFINED                8100        0        0
HRPT PROPERTIES TRUST          COMMON STOCK     40426W101       18     3000 SH       DEFINED                3000        0        0
HRPT PROPERTIES TRUST          COMMON STOCK     40426W101        9     1500 SH       OTHER                  1500        0        0
HSB GROUP INC COM              COMMON STOCK     40428N109      215     6900 SH       OTHER                     0     6900        0
HUGHES SUPPLY INC COM          COMMON STOCK     444482103        7      354 SH       DEFINED                 354        0        0
HUMAN GENOME SCIENCES INC COM  COMMON STOCK     444903108        7       50 SH       DEFINED                  50        0        0
HUNTINGTON BANCSHARES INC COM  COMMON STOCK     446150104        5      314 SH       DEFINED                 314        0        0
HUSSMANN INTERNATIONAL INC COM COMMON STOCK     448110106        3      100 SH       DEFINED                 100        0        0
HUTTIG BUILDING PRODUCTS INC C COMMON STOCK     448451104        0       50 SH       DEFINED                  50        0        0
HYPERFEED TECHNOLOGIES INC COM COMMON STOCK     44913S102        1      200 SH       OTHER                     0        0      200
I 2 TECHNOLOGIES INC COM       COMMON STOCK     465754109      128     1230 SH       DEFINED                1130        0      100
IBERIABANK CORPORATION         COMMON STOCK     450828108       14      900 SH       DEFINED                 900        0        0
IBP INC COM                    COMMON STOCK     449223106     6747   437057 SH       DEFINED              437057        0        0
IBP INC COM                    COMMON STOCK     449223106       35     2279 SH       OTHER                  2279        0        0
ICN PHARMACEUTICALS INC NEW    COMMON STOCK     448924100        2       67 SH       DEFINED                  67        0        0
IDACORP INC COM                COMMON STOCK     451107106        6      200 SH       DEFINED                 200        0        0
IDACORP INC COM                COMMON STOCK     451107106       39     1200 SH       OTHER                  1200        0        0
IDENTIX INC COM                COMMON STOCK     451906101      111     7100 SH       DEFINED                7100        0        0
IGATE CAPITAL CORP             COMMON STOCK     45169U105        8      600 SH       OTHER                     0        0      600
ILEX ONCOLOGY INC COM          COMMON STOCK     451923106       49     1400 SH       DEFINED                1400        0        0
ILLINOIS TOOL WORKS INC COM *  COMMON STOCK     452308109     1536    26944 SH       DEFINED               26944        0        0
ILLINOIS TOOL WORKS INC COM *  COMMON STOCK     452308109      433     7590 SH       OTHER                  6990        0      600
IMATION CORP COM               COMMON STOCK     45245A107       13      430 SH       DEFINED                 430        0        0
IMATION CORP COM               COMMON STOCK     45245A107       17      579 SH       OTHER                     0      579        0
IMATRON INC COM                COMMON STOCK     452906100        2      700 SH       DEFINED                   0        0      700
IMC GLOBAL, INC                COMMON STOCK     449669100        0       30 SH       DEFINED                  30        0        0
IMCLONE SYSTEMS INC COM        COMMON STOCK     45245W109       12      155 SH       DEFINED                 155        0        0
IMMUNEX CORPORATION            COMMON STOCK     452528102       49     1000 SH       OTHER                  1000        0        0
IMPERIAL SUGAR CO NEW COM      COMMON STOCK     453096109     2811  2141462 SH       DEFINED             1859778   229817    51867
IMPERIAL SUGAR CO NEW COM      COMMON STOCK     453096109      198   150650 SH       OTHER                150650        0        0
IMS HEALTH INC COM             COMMON STOCK     449934108       44     2466 SH       DEFINED                2466        0        0
IMS HEALTH INC COM             COMMON STOCK     449934108       18     1000 SH       OTHER                  1000        0        0
INCYTE GENOMICS, INC COM       COMMON STOCK     45337C102       16      200 SH       OTHER                   100        0      100
INDYMAC MORTGAGE HOLDINGS INC  COMMON STOCK     456607100        3      200 SH       DEFINED                 200        0        0
INFINITY BROADCASTING CORP CLA COMMON STOCK     45662S102       18      500 SH       DEFINED                 500        0        0
INFOCUS CORP COM               COMMON STOCK     45665B106      753    23400 SH       DEFINED               23400        0        0
INFONET SERVICES CORP COM      COMMON STOCK     45666T106        0       25 SH       DEFINED                  25        0        0
INFORMATION RESOURCES INC COM  COMMON STOCK     456905108        6     1500 SH       DEFINED                1500        0        0
INFORMIX CORP COM              COMMON STOCK     456779107       14     1900 SH       DEFINED                1900        0        0
INFORMIX CORP COM              COMMON STOCK     456779107       30     4000 SH       OTHER                  4000        0        0
INFOSPACE INC COM              COMMON STOCK     45678T102       28      500 SH       OTHER                     0        0      500
INGERSOLL-RAND CO COM *        COMMON STOCK     456866102    18518   460085 SH       DEFINED              449536        0    10549
INGERSOLL-RAND CO COM *        COMMON STOCK     456866102      896    22253 SH       OTHER                 22253        0        0
INHALE THERAPEUTIC SYSTEMS INC COMMON STOCK     457191104      172     1700 SH       DEFINED                1700        0        0
INKTOMI CORP COM               COMMON STOCK     457277101       35      300 SH       DEFINED                 300        0        0
INKTOMI CORP COM               COMMON STOCK     457277101       12      100 SH       OTHER                   100        0        0
INPRISE CORP COM               COMMON STOCK     45766C102        1      100 SH       DEFINED                 100        0        0
INPUT/OUTPUT INC COM           COMMON STOCK     457652105        4      500 SH       OTHER                     0        0      500
INSPIRE INSURANCE SOLUTIONS IN COMMON STOCK     457732105        3     1100 SH       OTHER                  1100        0        0
INT'L BUSINESS MACHINES CORP C COMMON STOCK     459200101    26469   241591 SH       DEFINED              234888        0     6703
INT'L BUSINESS MACHINES CORP C COMMON STOCK     459200101     3259    29744 SH       OTHER                 23635     4709     1400
INT'L FLAVORS & FRAGRANCES INC COMMON STOCK     459506101      287     9500 SH       DEFINED                9500        0        0
INT'L FLAVORS & FRAGRANCES INC COMMON STOCK     459506101      109     3600 SH       OTHER                     0     3600        0
INTEGRATED DEVICE TECHNOLOGY I COMMON STOCK     458118106     1838    30700 SH       DEFINED               30700        0        0
INTEL CORP COM *               COMMON STOCK     458140100    35703   267065 SH       DEFINED              259283        0     7782
INTEL CORP COM *               COMMON STOCK     458140100     3532    26417 SH       OTHER                 22292      625     3500
INTELECT COMMUNICATIONS INC CO COMMON STOCK     458144102        0       10 SH       OTHER                    10        0        0
INTERLIANT INC COM             COMMON STOCK     458742103        1       50 SH       OTHER                     0        0       50
INTERNATIONAL HOME FOODS INC C COMMON STOCK     459655106        2      100 SH       DEFINED                 100        0        0
INTERNATIONAL PAPER CO COM *   COMMON STOCK     460146103    15818   530576 SH       DEFINED              520649        0     9927
INTERNATIONAL PAPER CO COM *   COMMON STOCK     460146103      759    25457 SH       OTHER                 25457        0        0
INTERNATIONAL REMOTE IMAGING S COMMON STOCK     460259500        0      200 SH       DEFINED                 200        0        0
INTERNET CAPITAL GROUP INC COM COMMON STOCK     46059C106        5      140 SH       DEFINED                 100        0       40
INTERNET CAPITAL GROUP INC COM COMMON STOCK     46059C106       37     1000 SH       OTHER                   400        0      600
INTERPUBLIC GROUP COS INC COM  COMMON STOCK     460690100      377     8779 SH       DEFINED                8779        0        0
INTERTAN INC                   COMMON STOCK     461120107        0       15 SH       DEFINED                  15        0        0
INTERVOICE INC COM             COMMON STOCK     461142101        3      500 SH       DEFINED                 500        0        0
INTUIT INC COM                 COMMON STOCK     461202103       23      560 SH       DEFINED                 360        0      200
IOMEGA CORP COM                COMMON STOCK     462030107        5     1300 SH       DEFINED                1300        0        0
ION NETWORKS INC COM           COMMON STOCK     46205P100        8     2500 SH       DEFINED                2500        0        0
IPALCO ENTERPRISES INC COM     COMMON STOCK     462613100       51     2554 SH       DEFINED                2554        0        0
ITC LEARNING CORP COM          COMMON STOCK     45031S106       13     6000 SH       DEFINED                6000        0        0
ITT EDUCATIONAL SERVICES INC C COMMON STOCK     45068B109      551    31400 SH       DEFINED               31400        0        0
ITXC CORP COM                  COMMON STOCK     45069F109      170     4800 SH       DEFINED                4800        0        0
IVAX CORP COM                  COMMON STOCK     465823102        1       20 SH       DEFINED                   0        0       20
JABIL CIRCUIT INC COM          COMMON STOCK     466313103       12      240 SH       DEFINED                 240        0        0
JDS UNIPHASE CORP COM          COMMON STOCK     46612J101      169     1406 SH       DEFINED                1106        0      300
JDS UNIPHASE CORP COM          COMMON STOCK     46612J101       48      400 SH       OTHER                   400        0        0
JEFFERSON SAVINGS BANCORP INC  COMMON STOCK     474900107        1      125 SH       DEFINED                   0        0      125
JEFFERSON-PILOT CORP COM       COMMON STOCK     475070108       38      675 SH       OTHER                     0      675        0
JOHN HANCOCK FINANCIAL SRVCS C COMMON STOCK     41014S106       67     2822 SH       DEFINED                2822        0        0
JOHNSON & JOHNSON COM *        COMMON STOCK     478160104     9932    97489 SH       DEFINED               94676        0     2813
JOHNSON & JOHNSON COM *        COMMON STOCK     478160104     2842    27895 SH       OTHER                 21895     5600      400
JOHNSON CONTROLS INC COM *     COMMON STOCK     478366107      862    16790 SH       DEFINED               16790        0        0
JOHNSON CONTROLS INC COM *     COMMON STOCK     478366107      454     8840 SH       OTHER                  8840        0        0
JONES APPAREL GROUP INC COM*   COMMON STOCK     480074103      436    18550 SH       DEFINED               18550        0        0
JONES PHARMA INC COM           COMMON STOCK     480236108       36      900 SH       DEFINED                 900        0        0
JUNIPER NETWORKS COM           COMMON STOCK     48203R104       83      570 SH       DEFINED                 550        0       20
JUSTIN INDUSTRIES INC COM      COMMON STOCK     482171105     1376    62916 SH       DEFINED               62916        0        0
JUSTIN INDUSTRIES INC COM      COMMON STOCK     482171105      500    22840 SH       OTHER                 11250    10390     1200
K MART CORP COM                COMMON STOCK     482584109      115    16900 SH       DEFINED               16900        0        0
KANSAS CITY POWER & LIGHT CO C COMMON STOCK     485134100      591    26283 SH       DEFINED               25668        0      615
KANSAS CITY POWER & LIGHT CO C COMMON STOCK     485134100       36     1594 SH       OTHER                  1594        0        0
KANSAS CITY SOUTHERN INDUSTRIE COMMON STOCK     485170104      141     1590 SH       DEFINED                1590        0        0
KAYDON CORPORATION COM         COMMON STOCK     486587108       24     1140 SH       DEFINED                1140        0        0
KCS ENERGY INC COM (CH 11)     COMMON STOCK     482434206        3     2000 SH       DEFINED                2000        0        0
KEITH COS INC COS              COMMON STOCK     487539108        0      100 SH       DEFINED                   0        0      100
KELLOGG CO COM                 COMMON STOCK     487836108       83     2800 SH       DEFINED                2800        0        0
KELLOGG CO COM                 COMMON STOCK     487836108       60     2000 SH       OTHER                  2000        0        0
KENT ELECTRONICS CORP COM      COMMON STOCK     490553104       33     1100 SH       DEFINED                1100        0        0
KERR MCGEE CORP COM            COMMON STOCK     492386107        4       73 SH       DEFINED                  73        0        0
KERR MCGEE CORP COM            COMMON STOCK     492386107       22      369 SH       OTHER                     0        0      369
KEY PRODUCTION INC COM         COMMON STOCK     493138101      144     8235 SH       DEFINED                   0        0     8235
KEYSPAN CORP COM *             COMMON STOCK     49337W100      227     7391 SH       DEFINED                6891        0      500
KEYSTONE CONSOLIDATED INDUSTRI COMMON STOCK     493422109       14     3733 SH       DEFINED                3733        0        0
KIMBERLY CLARK CORP COM *      COMMON STOCK     494368103    20516   357573 SH       DEFINED              349349        0     8224
KIMBERLY CLARK CORP COM *      COMMON STOCK     494368103      839    14621 SH       OTHER                 14291      330        0
KIMCO REALTY CORP COM          COMMON STOCK     49446R109        8      200 SH       DEFINED                 200        0        0
KIMCO REALTY CORP COM          COMMON STOCK     49446R109       25      600 SH       OTHER                   600        0        0
KINDER MORGAN INC KANS COM     COMMON STOCK     49455P101       17      500 SH       DEFINED                   0        0      500
KING PHARMACEUTICALS INC COM   COMMON STOCK     495582108       44     1013 SH       DEFINED                1013        0        0
KLA-TENCOR CORP. COM           COMMON STOCK     482480100       12      200 SH       DEFINED                 200        0        0
KNIGHT RIDDER INC COM*         COMMON STOCK     499040103      830    15600 SH       DEFINED               15600        0        0
KNIGHT TRADING GROUP INC COM   COMMON STOCK     499063105       36     1200 SH       DEFINED                1200        0        0
KNIGHT TRADING GROUP INC COM   COMMON STOCK     499063105       12      400 SH       OTHER                     0        0      400
KROGER CO COM                  COMMON STOCK     501044101       11      521 SH       DEFINED                 521        0        0
KULICKE & SOFFA INDUSTRIES INC COMMON STOCK     501242101      813    13700 SH       DEFINED               13700        0        0
L G & E ENERGY CORP COM        COMMON STOCK     501917108       61     2570 SH       OTHER                  2570        0        0
LABORATORY CORP AMER HLDGS COM COMMON STOCK     50540R409       27      350 SH       DEFINED                 350        0        0
LACLEDE GAS CO COM             COMMON STOCK     505588103        4      200 SH       DEFINED                 200        0        0
LAFARGE CORP COM               COMMON STOCK     505862102     4946   235545 SH       DEFINED              233357        0     2188
LAFARGE CORP COM               COMMON STOCK     505862102       42     1994 SH       OTHER                  1994        0        0
LAM RESEARCH CORP COM          COMMON STOCK     512807108        6      150 SH       DEFINED                 150        0        0
LAUDER ESTEE COMPANIES CLASS A COMMON STOCK     518439104        5      100 SH       DEFINED                   0        0      100
LCA-VISION INC COM             COMMON STOCK     501803209        2      862 SH       DEFINED                 862        0        0
LEARN2 COM INC COM             COMMON STOCK     522002104       10     5000 SH       DEFINED                5000        0        0
LEGG MASON INC COM             COMMON STOCK     524901105      815    16300 SH       DEFINED               16300        0        0
LEGGETT & PLATT INC COM        COMMON STOCK     524660107      375    22711 SH       DEFINED               22711        0        0
LEVEL 3 COMMUNICATIONS INC COM COMMON STOCK     52729N100        3       30 SH       DEFINED                  30        0        0
LIFECORE BIOMEDICAL COM STOCK  COMMON STOCK     532187101        8     1000 SH       OTHER                  1000        0        0
LIFEPOINT HOSPITALS INC COM    COMMON STOCK     53219L109        9      382 SH       DEFINED                 222        0      160
LIGAND PHARMACEUTICALS INC CLA COMMON STOCK     53220K207        1       53 SH       DEFINED                   0        0       53
LINENS N THINGS INC COM        COMMON STOCK     535679104       11      400 SH       DEFINED                 400        0        0
LITTLEFIELD CORP COM           COMMON STOCK     537590101        0      200 SH       DEFINED                 200        0        0
LOCKHEED MARTIN CORP COM *     COMMON STOCK     539830109     1245    50165 SH       DEFINED               50165        0        0
LOCKHEED MARTIN CORP COM *     COMMON STOCK     539830109      186     7500 SH       OTHER                  7500        0        0
LOEWS CORP COM                 COMMON STOCK     540424108       30      500 SH       DEFINED                 500        0        0
LONGVIEW FIBRE CO COM          COMMON STOCK     543213102      116    10500 SH       DEFINED               10500        0        0
LORAL SPACE & COMMUNICATIONS L COMMON STOCK     G56462107        7     1000 SH       DEFINED                   0        0     1000
LOWES COS INC COM *            COMMON STOCK     548661107    20178   491396 SH       DEFINED              481761        0     9635
LOWES COS INC COM *            COMMON STOCK     548661107     1455    35432 SH       OTHER                 35432        0        0
LSI LOGIC CORP COM             COMMON STOCK     502161102       57     1050 SH       DEFINED                1050        0        0
LUBY'S INC COM                 COMMON STOCK     549282101        2      203 SH       DEFINED                 203        0        0
LUCENT TECHNOLOGIES INC COM *  COMMON STOCK     549463107    30013   506555 SH       DEFINED              495170        0    11385
LUCENT TECHNOLOGIES INC COM *  COMMON STOCK     549463107     2960    49963 SH       OTHER                 43119     3844     3000
LUMINEX CORP COM               COMMON STOCK     55027E102        4      100 SH       DEFINED                 100        0        0
LYCOS INC COM                  COMMON STOCK     550818108       23      432 SH       DEFINED                 432        0        0
LYCOS INC COM                  COMMON STOCK     550818108       22      400 SH       OTHER                   400        0        0
LYONDELL CHEMICAL CO. COM      COMMON STOCK     552078107      164     9800 SH       DEFINED                8300        0     1500
M D U RESOURCES GROUP INC COM  COMMON STOCK     552690109     3139   145141 SH       DEFINED              142813        0     2328
M D U RESOURCES GROUP INC COM  COMMON STOCK     552690109       73     3358 SH       OTHER                  2166     1012      180
MACK CALI REALTY CORP COM      COMMON STOCK     554489104       13      500 SH       DEFINED                 500        0        0
MACROCHEM CORP DELAWARE COM    COMMON STOCK     555903103       65    13500 SH       DEFINED               13500        0        0
MADISON GAS & ELECTRIC CO COM  COMMON STOCK     557497104       12      600 SH       DEFINED                 600        0        0
MALLINCKRODT INC NEW           COMMON STOCK     561232109       15      350 SH       DEFINED                 350        0        0
MANITOWOC INC                  COMMON STOCK     563571108      629    23500 SH       DEFINED               23500        0        0
MARIMBA INC                    COMMON STOCK     56781Q109        3      244 SH       DEFINED                 244        0        0
MARSH & MCLENNAN COS INC COM*  COMMON STOCK     571748102      261     2500 SH       DEFINED                2500        0        0
MARSHALL & ILSLEY CORP COM     COMMON STOCK     571834100      806    19420 SH       DEFINED               19420        0        0
MASCO CORP COM *               COMMON STOCK     574599106     1362    75400 SH       DEFINED               75400        0        0
MATRIXONE INC                  COMMON STOCK     57685P304       41     1000 SH       OTHER                     0        0     1000
MATTEL INC COM                 COMMON STOCK     577081102      241    18293 SH       DEFINED               18293        0        0
MATTEL INC COM                 COMMON STOCK     577081102       12      891 SH       OTHER                     0      891        0
MAXIM PHARMACEUTICALS INC      COMMON STOCK     57772M107       15      300 SH       DEFINED                 300        0        0
MAY DEPT STORES CO COM *       COMMON STOCK     577778103      101     4225 SH       DEFINED                4225        0        0
MAY DEPT STORES CO COM *       COMMON STOCK     577778103       32     1350 SH       OTHER                  1050      300        0
MAYTAG CORP COM                COMMON STOCK     578592107       85     2317 SH       DEFINED                2317        0        0
MAYTAG CORP COM                COMMON STOCK     578592107       62     1680 SH       OTHER                  1680        0        0
MBIA INC COM                   COMMON STOCK     55262C100       73     1505 SH       DEFINED                1505        0        0
MBNA CORP COM *                COMMON STOCK     55262L100      383    14125 SH       DEFINED               14125        0        0
MCCORMICK & CO INC COM NON VOT COMMON STOCK     579780206        5      150 SH       DEFINED                 150        0        0
MCDONALD'S CORP COM *          COMMON STOCK     580135101    13571   412027 SH       DEFINED              408996        0     3031
MCDONALD'S CORP COM *          COMMON STOCK     580135101     1490    45226 SH       OTHER                 35751      475     9000
MCGRAW HILL COMPANIES INC. *   COMMON STOCK     580645109    14267   264199 SH       DEFINED              256288        0     7911
MCGRAW HILL COMPANIES INC. *   COMMON STOCK     580645109     1069    19803 SH       OTHER                 19613      190        0
MCKESSON HBOC INC COM          COMMON STOCK     58155Q103        3      132 SH       DEFINED                 132        0        0
MCLEODUSA INC CLASS A          COMMON STOCK     582266102       10      501 SH       DEFINED                 501        0        0
MCMORAN EXPLORATION CO COM     COMMON STOCK     582411104        0        4 SH       DEFINED                   4        0        0
MCN ENERGY GROUP INC *         COMMON STOCK     55267J100      300    14014 SH       DEFINED               14014        0        0
MECHANICAL TECHNOLOGY INC COM  COMMON STOCK     583538103        9      600 SH       DEFINED                 300        0      300
MEDIAONE GROUP INC COM         COMMON STOCK     58440J104      581     8727 SH       DEFINED                8427        0      300
MEDIAONE GROUP INC COM         COMMON STOCK     58440J104       10      150 SH       OTHER                   150        0        0
MEDICAL MANAGER CORP NEW COM   COMMON STOCK     58461U103        3      100 SH       DEFINED                 100        0        0
MEDICIS PHARMACEUTICAL CL A    COMMON STOCK     584690309        6      100 SH       DEFINED                 100        0        0
MEDITRUST CORP PAIRED STOCK    COMMON STOCK     58501T306     1210   322619 SH       DEFINED              322619        0        0
MEDITRUST CORP PAIRED STOCK    COMMON STOCK     58501T306       23     6061 SH       OTHER                  5923        0      138
MEDTRONIC INC COM *            COMMON STOCK     585055106     7497   150511 SH       DEFINED              147411        0     3100
MEDTRONIC INC COM *            COMMON STOCK     585055106      233     4687 SH       OTHER                  4387      300        0
MELLON FINANCIAL CORP COM      COMMON STOCK     58551A108      219     6000 SH       DEFINED                6000        0        0
MELLON FINANCIAL CORP COM      COMMON STOCK     58551A108      140     3840 SH       OTHER                  3840        0        0
MENTOR GRAPHICS CORP COM       COMMON STOCK     587200106      153     7700 SH       DEFINED                7700        0        0
MERCK & CO INC COM *           COMMON STOCK     589331107    19086   249077 SH       DEFINED              247207        0     1870
MERCK & CO INC COM *           COMMON STOCK     589331107     2969    38748 SH       OTHER                 30275      275     8198
MEREDITH CORP COM*             COMMON STOCK     589433101       89     2628 SH       DEFINED                2628        0        0
MERIDIAN RESOURCE CORP COM     COMMON STOCK     58977Q109        3      493 SH       DEFINED                 493        0        0
MERITOR AUTOMOTIVE INC COM     COMMON STOCK     59000G100       10      951 SH       DEFINED                 951        0        0
MERRILL LYNCH & CO INC COM     COMMON STOCK     590188108      288     2500 SH       DEFINED                2400        0      100
MERRILL LYNCH & CO INC COM     COMMON STOCK     590188108      460     4000 SH       OTHER                  4000        0        0
MESTEK, INC                    COMMON STOCK     590829107        7      400 SH       DEFINED                 400        0        0
METASOLV SOFTWARE INC COM      COMMON STOCK     591393103        4      100 SH       DEFINED                 100        0        0
METAWAVE COMMUNICATIONS CORP   COMMON STOCK     591409107        3      100 SH       DEFINED                 100        0        0
METLIFE INC COM                COMMON STOCK     59156R108        1       57 SH       OTHER                    47       10        0
METROMEDIA FIBER NETWORK INC C COMMON STOCK     591689104       16      400 SH       OTHER                   400        0        0
MGI PROPERTIES INC COM         COMMON STOCK     552885105       25    11000 SH       OTHER                     0        0    11000
MGIC INVESTMENT CORP WISCONSIN COMMON STOCK     552848103     3184    69986 SH       DEFINED               63186        0     6800
MGIC INVESTMENT CORP WISCONSIN COMMON STOCK     552848103      105     2300 SH       OTHER                  2300        0        0
MICRON TECHNOLOGY INC COM      COMMON STOCK     595112103      198     2250 SH       DEFINED                2250        0        0
MICROSOFT CORP WASHINGTON COM  COMMON STOCK     594918104    35987   449832 SH       DEFINED              442975        0     6857
MICROSOFT CORP WASHINGTON COM  COMMON STOCK     594918104     3546    44323 SH       OTHER                 40908     1515     1900
MID ATLANTIC MED SVCS INC COM  COMMON STOCK     59523C107     1014    75100 SH       DEFINED               75100        0        0
MIDAS GROUP INC COM            COMMON STOCK     595626102        1       33 SH       DEFINED                  33        0        0
MIDCOAST ENERGY RESOURCES INC  COMMON STOCK     59563W104       25     1600 SH       DEFINED                1600        0        0
MILESTONE SCIENTIFIC INC COM   COMMON STOCK     59935P100        2      900 SH       DEFINED                   0        0      900
MILLER HERMAN INC COM          COMMON STOCK     600544100       10      400 SH       DEFINED                 400        0        0
MILLIPORE CORP COM *           COMMON STOCK     601073109     1375    18242 SH       DEFINED               17902        0      340
MILLIPORE CORP COM *           COMMON STOCK     601073109       47      630 SH       OTHER                   630        0        0
MINNESOTA MINING & MANUFACTURI COMMON STOCK     604059105     5328    64582 SH       DEFINED               64257        0      325
MINNESOTA MINING & MANUFACTURI COMMON STOCK     604059105     1736    21040 SH       OTHER                 13040     5800     2200
MIRAVANT MEDICAL TECHNOLOGIES  COMMON STOCK     604690107        4      200 SH       DEFINED                 200        0        0
MITCHELL ENERGY & DEV CORP CL  COMMON STOCK     606592301       11      353 SH       DEFINED                 353        0        0
MITCHELL ENERGY & DEV CORP CLA COMMON STOCK     606592202      300     9353 SH       DEFINED                9353        0        0
MKS INSTRS INC COM             COMMON STOCK     55306N104      481    12300 SH       DEFINED               12300        0        0
MMC NETWORKS INC COM           COMMON STOCK     55308N102        5      100 SH       DEFINED                 100        0        0
MOBILE MINI INC COM            COMMON STOCK     60740F105      838    38000 SH       DEFINED               38000        0        0
MONTANA POWER CO COM *         COMMON STOCK     612085100      290     8200 SH       DEFINED                8200        0        0
MONY GROUP INC COM             COMMON STOCK     615337102        7      209 SH       DEFINED                 209        0        0
MORGAN J P & CO INC COM        COMMON STOCK     616880100      563     5110 SH       DEFINED                5010        0      100
MORGAN J P & CO INC COM        COMMON STOCK     616880100      628     5707 SH       OTHER                   607      100     5000
MORGAN STANLEY, DEAN WITTER &  COMMON STOCK     617446448      266     3192 SH       DEFINED                3192        0        0
MORGAN STANLEY, DEAN WITTER &  COMMON STOCK     617446448       65      780 SH       OTHER                   780        0        0
MOTOROLA INC COM *             COMMON STOCK     620076109     3586   123382 SH       DEFINED              121912        0     1470
MOTOROLA INC COM *             COMMON STOCK     620076109      871    29987 SH       OTHER                 24587     2700     2700
MUSICMAKER COM INC COM         COMMON STOCK     62757C108        0      100 SH       DEFINED                 100        0        0
NABORS INDUSTRIES INC COM      COMMON STOCK     629568106      702    16900 SH       DEFINED               16900        0        0
NASDAQ 100 SHARES              COMMON STOCK     631100104      434     4654 SH       DEFINED                4654        0        0
NASDAQ 100 SHARES              COMMON STOCK     631100104       19      200 SH       OTHER                   200        0        0
NATIONAL DISCOUNT BROKERS GROU COMMON STOCK     635646102      542    17000 SH       DEFINED               17000        0        0
NATIONAL FUEL GAS CO N J COM P COMMON STOCK     636180101       55     1126 SH       DEFINED                1126        0        0
NATIONAL SEMICONDUCTOR CORP CO COMMON STOCK     637640103      136     2400 SH       DEFINED                2400        0        0
NATIONAL SERVICES INDUSTRIES I COMMON STOCK     637657107      980    49000 SH       DEFINED               49000        0        0
NATIONAL-OILWELL INC COM       COMMON STOCK     637071101      797    24250 SH       DEFINED               23900        0      350
NATURES SUNSHINE PRODUCTS INC  COMMON STOCK     639027101        9     1320 SH       OTHER                  1320        0        0
NCR CORP NEW COM               COMMON STOCK     62886E108        4       96 SH       DEFINED                  84        0       12
NCR CORP NEW COM               COMMON STOCK     62886E108       10      264 SH       OTHER                    80      184        0
NEIMAN-MARCUS GROUP INC CLASS  COMMON STOCK     640204301        0       17 SH       DEFINED                  17        0        0
NEOFORMA.COM INC COM           COMMON STOCK     640475109        0       25 SH       DEFINED                  25        0        0
NETWORK APPLIANCE INC COM      COMMON STOCK     64120L104       89     1100 SH       DEFINED                1090        0       10
NETWORK CONNECTION INC COM     COMMON STOCK     64120Q103       14     3500 SH       DEFINED                3500        0        0
NETWORKS ASSOCIATES INC COM    COMMON STOCK     640938106        8      403 SH       DEFINED                 403        0        0
NETWORKS ASSOCIATES INC COM    COMMON STOCK     640938106       10      500 SH       OTHER                     0        0      500
NETZERO INC COM                COMMON STOCK     64122R109        2      300 SH       OTHER                     0        0      300
NEW CENTURY ENERGIES INC COM   COMMON STOCK     64352U103     7352   245066 SH       DEFINED              244525        0      541
NEW CENTURY ENERGIES INC COM   COMMON STOCK     64352U103      103     3417 SH       OTHER                  3417        0        0
NEW ERA OF NETWORKS INC COM    COMMON STOCK     644312100      201     4730 SH       DEFINED                4730        0        0
NEW PLAN EXCEL REALTY TRUST IN COMMON STOCK     648053106      205    15800 SH       DEFINED               15800        0        0
NEW PLAN EXCEL REALTY TRUST IN COMMON STOCK     648053106        5      400 SH       OTHER                   400        0        0
NEWELL RUBBERMAID INC COM      COMMON STOCK     651229106      201     7805 SH       DEFINED                7805        0        0
NEWELL RUBBERMAID INC COM      COMMON STOCK     651229106      122     4728 SH       OTHER                     0     4728        0
NEWFIELD EXPLORATION COMPANY C COMMON STOCK     651290108        4      100 SH       OTHER                     0        0      100
NEWMONT MINING CORP COM        COMMON STOCK     651639106        8      374 SH       DEFINED                 374        0        0
NEWPORT CORP COM               COMMON STOCK     651824104       95      885 SH       DEFINED                 885        0        0
NEWPORT NEWS SHIPBUILDING INC  COMMON STOCK     652228107       18      498 SH       DEFINED                 498        0        0
NEXTEL COMMUNICATIONS INC CLAS COMMON STOCK     65332V103       12      200 SH       DEFINED                 200        0        0
NEXTERA ENTERPRISES INC CLASS  COMMON STOCK     65332E101        3      645 SH       DEFINED                   0        0      645
NICOR INC COM *                COMMON STOCK     654086107      813    24920 SH       DEFINED               24920        0        0
NICOR INC COM *                COMMON STOCK     654086107       65     2000 SH       OTHER                  2000        0        0
NIKE INC CLASS B *             COMMON STOCK     654106103     1839    46200 SH       DEFINED               46200        0        0
NISOURCE INC COM               COMMON STOCK     65473P105      958    51423 SH       OTHER                     0        0    51423
NOBLE AFFILIATES INC COM       COMMON STOCK     654894104    14035   376781 SH       DEFINED              376725        0       56
NOBLE AFFILIATES INC COM       COMMON STOCK     654894104       77     2061 SH       OTHER                  2061        0        0
NOBLE DRILLING CORP COM        COMMON STOCK     655042109     2694    65400 SH       DEFINED               65400        0        0
NOBLE DRILLING CORP COM        COMMON STOCK     655042109       21      500 SH       OTHER                   500        0        0
NORDSTROM INC COM              COMMON STOCK     655664100     1020    42300 SH       DEFINED               42300        0        0
NORFOLK SOUTHERN CORP COM      COMMON STOCK     655844108       74     4944 SH       DEFINED                4944        0        0
NORFOLK SOUTHERN CORP COM      COMMON STOCK     655844108       67     4500 SH       OTHER                     0     3000     1500
NORTH AMERN TECHNOLOGIES GROUP COMMON STOCK     657193207        6     2433 SH       DEFINED                 222        0     2211
NORTHEAST UTILITIES COM        COMMON STOCK     664397106      246    11300 SH       DEFINED               11300        0        0
NORTHERN STATES POWER CO MINN  COMMON STOCK     665772109     2216   109774 SH       DEFINED              108496        0     1278
NORTHERN STATES POWER CO MINN  COMMON STOCK     665772109       47     2322 SH       OTHER                  1822        0      500
NORTHWEST AIRLINES CORP CLASS  COMMON STOCK     667280101       21      700 SH       DEFINED                 700        0        0
NORTHWEST NAT GAS CO COM       COMMON STOCK     667655104       45     2000 SH       DEFINED                   0        0     2000
NOVELL INC COM                 COMMON STOCK     670006105        1      130 SH       DEFINED                   0        0      130
NUCOR CORP COM *               COMMON STOCK     670346105      196     5900 SH       DEFINED                5900        0        0
NVIDIA CORP COM                COMMON STOCK     67066G104       25      400 SH       DEFINED                 400        0        0
NYFIX INC COM                  COMMON STOCK     670712108       24      570 SH       DEFINED                 570        0        0
OCCIDENTAL PETROLEUM CORP COM  COMMON STOCK     674599105      261    12404 SH       DEFINED               12404        0        0
OCCIDENTAL PETROLEUM CORP COM  COMMON STOCK     674599105        6      301 SH       OTHER                   301        0        0
OCEAN ENERGY INC TEX COM       COMMON STOCK     67481E106       75     5300 SH       DEFINED                2100        0     3200
OFFSHORE LOGISTICS INC COM     COMMON STOCK     676255102        6      450 SH       DEFINED                 450        0        0
OGDEN CORP COM                 COMMON STOCK     676346109     3705   411655 SH       DEFINED              411555        0      100
OGDEN CORP COM                 COMMON STOCK     676346109       23     2551 SH       OTHER                  2551        0        0
OGE ENERGY CORP COM            COMMON STOCK     670837103       91     4931 SH       DEFINED                4931        0        0
OLD REPUBLIC INTERNATIONAL COR COMMON STOCK     680223104       44     2649 SH       DEFINED                2649        0        0
OMEGA RESEARCH INC COM         COMMON STOCK     68211E101        1      200 SH       OTHER                     0        0      200
OMNICOM GROUP COM *            COMMON STOCK     681919106    18500   207720 SH       DEFINED              203233        0     4487
OMNICOM GROUP COM *            COMMON STOCK     681919106     1752    19672 SH       OTHER                 19552      120        0
OMNOVA SOLUTIONS INC COM       COMMON STOCK     682129101        0       19 SH       OTHER                    19        0        0
ONIVA.COM INC COM              COMMON STOCK     68338T106        9     1000 SH       OTHER                     0        0     1000
ONLINETRADINGINC.COM CORP COM  COMMON STOCK     68273D108        3      500 SH       OTHER                     0        0      500
ORACLE CORPORATION*            COMMON STOCK     68389X105     7482    89009 SH       DEFINED               88789        0      220
ORACLE CORPORATION*            COMMON STOCK     68389X105      420     5000 SH       OTHER                  5000        0        0
ORBITAL SCIENCES CORP          COMMON STOCK     685564106        1       50 SH       DEFINED                   0        0       50
ORCKIT COMMUNICATIONS LTD      COMMON STOCK     M7531S107        3      100 SH       DEFINED                   0        0      100
P G & E CORP COM               COMMON STOCK     69331C108      130     5292 SH       DEFINED                3574        0     1718
P G & E CORP COM               COMMON STOCK     69331C108       28     1131 SH       OTHER                    55     1076        0
PACCAR INC COM                 COMMON STOCK     693718108      159     4000 SH       DEFINED                4000        0        0
PACIFIC SUNWEAR OF CALIFORNIA  COMMON STOCK     694873100     1211    64600 SH       DEFINED               64600        0        0
PACKARD BIOSCIENCE INC         COMMON STOCK     695172205        2      100 SH       DEFINED                 100        0        0
PACTIV CORP COM                COMMON STOCK     695257105       25     3171 SH       DEFINED                2969        0      202
PAINE WEBBER GROUP INC COM     COMMON STOCK     695629105       46     1000 SH       DEFINED                1000        0        0
PALL CORP COM                  COMMON STOCK     696429307       24     1300 SH       DEFINED                1300        0        0
PALM HARBOR HOMES INC COM      COMMON STOCK     696639103        9      625 SH       OTHER                   625        0        0
PALM INC COM                   COMMON STOCK     696642107        4      120 SH       DEFINED                 120        0        0
PARAMETRIC TECHNOLOGY CORP COM COMMON STOCK     699173100      165    15000 SH       DEFINED               15000        0        0
PARK PLACE ENTERTAINMENT CORP  COMMON STOCK     700690100      917    75200 SH       DEFINED               74800        0      400
PATINA OIL & GAS CORPORATION C COMMON STOCK     703224105       28     1350 SH       DEFINED                1350        0        0
PE CORP COM PE BIOSYSTEMS GROU COMMON STOCK     69332S102       13      200 SH       DEFINED                 200        0        0
PE CORP COM PE BIOSYSTEMS GROU COMMON STOCK     69332S102      264     4000 SH       OTHER                  3800        0      200
PE-CORP CELERA GENOMICS GROUP  COMMON STOCK     69332S201       18      200 SH       DEFINED                 200        0        0
PE-CORP CELERA GENOMICS GROUP  COMMON STOCK     69332S201      101     1100 SH       OTHER                     0      900      200
PECO ENERGY CO COM             COMMON STOCK     693304107        2       50 SH       DEFINED                   0        0       50
PECO ENERGY CO COM             COMMON STOCK     693304107        4      100 SH       OTHER                   100        0        0
PENDARIES PETROLEUM LTD        COMMON STOCK     706905106        5     1500 SH       OTHER                  1500        0        0
PENNEY J C INC COM             COMMON STOCK     708160106        1       50 SH       DEFINED                   0        0       50
PENNEY J C INC COM             COMMON STOCK     708160106      115     6220 SH       OTHER                  6020        0      200
PENNICHUCK CORP COM            COMMON STOCK     708254206       10      400 SH       DEFINED                   0        0      400
PENNZOIL-QUAKER STATE CO COM   COMMON STOCK     709323109       55     4550 SH       DEFINED                4500        0       50
PEOPLESOFT INC COM             COMMON STOCK     712713106        4      250 SH       DEFINED                 250        0        0
PEPSICO INC COM                COMMON STOCK     713448108     4430    99693 SH       DEFINED               98493        0     1200
PEPSICO INC COM                COMMON STOCK     713448108     1763    39672 SH       OTHER                 30672     3600     5400
PER-SE TECHNOLOGIES INC COM NE COMMON STOCK     713569309        0       16 SH       DEFINED                  16        0        0
PEREGRINE SYSTEMS INC COM      COMMON STOCK     71366Q101       14      400 SH       OTHER                     0        0      400
PERKINELMER INC COM            COMMON STOCK     714046109      203     3075 SH       DEFINED                3075        0        0
PFIZER INC COM *               COMMON STOCK     717081103    13750   286448 SH       DEFINED              285433        0     1015
PFIZER INC COM *               COMMON STOCK     717081103     4375    91156 SH       OTHER                 74728    16128      300
PHARMACIA CORP COM*            COMMON STOCK     71713U102     3073    59458 SH       DEFINED               58858        0      600
PHARMACIA CORP COM*            COMMON STOCK     71713U102      294     5690 SH       OTHER                  2190     2500     1000
PHELPS DODGE CORP COM          COMMON STOCK     717265102       16      417 SH       DEFINED                 400        0       17
PHELPS DODGE CORP COM          COMMON STOCK     717265102        6      170 SH       OTHER                     0      170        0
PHILIP MORRIS COS INC COM *    COMMON STOCK     718154107     3478   130944 SH       DEFINED              129144      500     1300
PHILIP MORRIS COS INC COM *    COMMON STOCK     718154107      470    17698 SH       OTHER                 16798        0      900
PHILLIPS PETROLEUM CO COM      COMMON STOCK     718507106      243     4800 SH       DEFINED                4500        0      300
PHILLIPS PETROLEUM CO COM      COMMON STOCK     718507106       25      500 SH       OTHER                   300        0      200
PHOENIX INTERNATIONAL LTD COM  COMMON STOCK     719078107       30    10000 SH       OTHER                 10000        0        0
PHYCOR INC COM                 COMMON STOCK     71940F100        1     2345 SH       DEFINED                   0        0     2345
PHYCOR INC COM                 COMMON STOCK     71940F100        1      900 SH       OTHER                     0        0      900
PIER 1 IMPORTS INC COM         COMMON STOCK     720279108       50     5157 SH       DEFINED                5157        0        0
PINNACLE GLOBAL GROUP INC COM  COMMON STOCK     723465100        0       25 SH       DEFINED                   0        0       25
PINNACLE SYSTEMS INC COM       COMMON STOCK     723481107      818    36400 SH       DEFINED               36400        0        0
PINNACLE WEST CAPITAL CORP COM COMMON STOCK     723484101       10      300 SH       DEFINED                 300        0        0
PIONEER NATURAL RESOURCES CO C COMMON STOCK     723787107        2      142 SH       DEFINED                 142        0        0
PIONEER NATURAL RESOURCES CO C COMMON STOCK     723787107        6      502 SH       OTHER                   502        0        0
PITNEY BOWES INC COM *         COMMON STOCK     724479100      556    13892 SH       DEFINED               13892        0        0
PLAINS RESOURCES INC COM       COMMON STOCK     726540503        0       22 SH       DEFINED                  22        0        0
PLANTRONICS INC COM            COMMON STOCK     727493108       69     1500 SH       DEFINED                1500        0        0
PLUG POWER INC COM             COMMON STOCK     72919P103       13      200 SH       DEFINED                 200        0        0
PLUM CREEK TIMBER CO INC COM   COMMON STOCK     729251108       29     1100 SH       DEFINED                1100        0        0
PNC FINANCIAL SERVICES GROUP   COMMON STOCK     693475105      188     4000 SH       DEFINED                4000        0        0
POGO PRODUCING CO COM          COMMON STOCK     730448107       44     2000 SH       DEFINED                2000        0        0
POGO PRODUCING CO COM          COMMON STOCK     730448107        7      300 SH       OTHER                     0      300        0
POLO RALPH LAUREN CORP CLASS A COMMON STOCK     731572103        3      200 SH       DEFINED                   0        0      200
POLYCOM INC COM                COMMON STOCK     73172K104     1515    16100 SH       DEFINED               16100        0        0
POSSIS MEDICAL INC COM         COMMON STOCK     737407106        1      100 SH       DEFINED                 100        0        0
POTLATCH CORP COM              COMMON STOCK     737628107      176     5300 SH       DEFINED                5300        0        0
POTOMAC ELECTRIC POWER CO COM  COMMON STOCK     737679100       25     1000 SH       DEFINED                1000        0        0
POTOMAC ELECTRIC POWER CO COM  COMMON STOCK     737679100        9      350 SH       OTHER                   350        0        0
PPG INDUSTRIES INC COM *       COMMON STOCK     693506107      274     6175 SH       DEFINED                6175        0        0
PRAXAIR INC COM                COMMON STOCK     74005P104       38     1007 SH       DEFINED                1007        0        0
PRIMARK CORP COM               COMMON STOCK     741903108       52     1400 SH       DEFINED                1400        0        0
PRIME MEDICAL SERVICES INC COM COMMON STOCK     74156D108        1      100 SH       DEFINED                 100        0        0
PRIME RETAIL INC COM           COMMON STOCK     741570105        0      342 SH       DEFINED                   0        0      342
PRIMIX SOLUTIONS INC COM       COMMON STOCK     741620108        8     2000 SH       DEFINED                2000        0        0
PRISON REALTY TRUST INC COM    COMMON STOCK     74264N105       25     8009 SH       DEFINED                8009        0        0
PROCTER & GAMBLE CO COM *      COMMON STOCK     742718109     7926   138450 SH       DEFINED              138450        0        0
PROCTER & GAMBLE CO COM *      COMMON STOCK     742718109     1209    21111 SH       OTHER                 17663        0     3448
PROLOGIS TRUST INC COM         COMMON STOCK     743410102     4874   228677 SH       DEFINED              228677        0        0
PROLOGIS TRUST INC COM         COMMON STOCK     743410102       50     2338 SH       OTHER                  2338        0        0
PROVIDIAN FINANCIAL CORP COM * COMMON STOCK     74406A102     5448    60537 SH       DEFINED               60452        0       85
PROVIDIAN FINANCIAL CORP COM * COMMON STOCK     74406A102       43      475 SH       OTHER                   475        0        0
PSINET INC COM                 COMMON STOCK     74437C101        5      180 SH       OTHER                     0        0      180
PUBLIC SERVICE CO NEW MEXICO C COMMON STOCK     744499104        5      300 SH       DEFINED                 300        0        0
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK     744573106       11      323 SH       DEFINED                 323        0        0
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK     744573106       28      800 SH       OTHER                     0      800        0
PUGET SOUND ENERGY INC         COMMON STOCK     745332106        2      100 SH       DEFINED                 100        0        0
PUGET SOUND ENERGY INC         COMMON STOCK     745332106       21     1000 SH       OTHER                  1000        0        0
PULITZER INC COM NEW           COMMON STOCK     745769109       34      800 SH       DEFINED                 800        0        0
PUMA TECHNOLOGY INC COM        COMMON STOCK     745887109        3      100 SH       DEFINED                 100        0        0
QLOGIC CORPORATION COM         COMMON STOCK     747277101        1       10 SH       DEFINED                   0        0       10
QUAKER OATS CO COM             COMMON STOCK     747402105      120     1600 SH       DEFINED                1600        0        0
QUAKER OATS CO COM             COMMON STOCK     747402105      135     1800 SH       OTHER                     0     1800        0
QUALCOMM INC COM               COMMON STOCK     747525103      508     8471 SH       DEFINED                8461        0       10
QUICKSILVER RESOURCES INC COM  COMMON STOCK     74837R104       27     3770 SH       DEFINED                3770        0        0
QUINTILES TRANSNATIONAL CORP C COMMON STOCK     748767100      101     7119 SH       DEFINED                7000        0      119
QUORUM HEALTH GROUP INC COM    COMMON STOCK     749084109       15     1500 SH       OTHER                     0        0     1500
QWEST COMMUNICATIONS INTERNATI COMMON STOCK     749121109      321     6468 SH       DEFINED                6468        0        0
QWEST COMMUNICATIONS INTERNATI COMMON STOCK     749121109      149     3000 SH       OTHER                     0        0     3000
R & B FALCON CORP COM          COMMON STOCK     74912E101       52     2200 SH       DEFINED                2200        0        0
R & B FALCON CORP COM          COMMON STOCK     74912E101       16      700 SH       OTHER                   700        0        0
R G S ENERGY GROUP INC COM     COMMON STOCK     74956K104      385    17300 SH       DEFINED               17300        0        0
RADIOSHACK CORP COM            COMMON STOCK     750438103     1964    41456 SH       DEFINED               41456        0        0
RADIOSHACK CORP COM            COMMON STOCK     750438103        9      200 SH       OTHER                   200        0        0
RADISYS CORP COM               COMMON STOCK     750459109      732    12900 SH       DEFINED               12900        0        0
RAILAMERICA INC COM            COMMON STOCK     750753105        1      142 SH       DEFINED                 142        0        0
RAINBOW TECHNOLOGIES INC COM   COMMON STOCK     750862104     1148    23600 SH       DEFINED               23600        0        0
RALCORP HOLDINGS INC NEW COM   COMMON STOCK     751028101        5      400 SH       DEFINED                 400        0        0
RALSTON-RALSTON PURINA GROUP C COMMON STOCK     751277302      205    10298 SH       DEFINED               10298        0        0
RALSTON-RALSTON PURINA GROUP C COMMON STOCK     751277302       54     2700 SH       OTHER                     0        0     2700
RAMP NETWORKS INC              COMMON STOCK     751567108        6      500 SH       OTHER                     0        0      500
RANGE RESOURCES CORPORATION CO COMMON STOCK     75281A109        2      700 SH       OTHER                   700        0        0
RARE MEDIUM GROUP INC COM      COMMON STOCK     75382N109       45     2850 SH       DEFINED                2850        0        0
RAYTHEON CO CLASS A            COMMON STOCK     755111309        8      422 SH       DEFINED                 422        0        0
RAYTHEON CO CLASS A            COMMON STOCK     755111309        6      293 SH       OTHER                   293        0        0
RAYTHEON CO CLASS B            COMMON STOCK     755111408       46     2380 SH       DEFINED                2380        0        0
RAYTHEON CO CLASS B            COMMON STOCK     755111408       97     5050 SH       OTHER                  5050        0        0
READING ENTERTAINMENT INC COM  COMMON STOCK     755358108        0       75 SH       DEFINED                  75        0        0
RED HAT INC COM                COMMON STOCK     756577102       14      500 SH       DEFINED                 500        0        0
REDBACK NETWORKS INC COM       COMMON STOCK     757209101       34      190 SH       DEFINED                  40        0      150
RELIANT ENERGY INC COM*        COMMON STOCK     75952J108     3101   104887 SH       DEFINED              100737        0     4150
RELIANT ENERGY INC COM*        COMMON STOCK     75952J108       68     2300 SH       OTHER                  2300        0        0
RELIASTAR FINANCIAL CORP COM   COMMON STOCK     75952U103        3       48 SH       DEFINED                  48        0        0
REMEDYTEMP INC CLASS A         COMMON STOCK     759549108      261    21300 SH       DEFINED               21300        0        0
REMINGTON OIL & GAS CORP       COMMON STOCK     759594302       86    11500 SH       DEFINED               11500        0        0
RENT WAY INC COM               COMMON STOCK     76009U104     1179    40400 SH       DEFINED               40400        0        0
REPUBLIC GROUP INC COM         COMMON STOCK     760473108        2      220 SH       DEFINED                 220        0        0
REVLON INC CLASS A             COMMON STOCK     761525500        2      375 SH       DEFINED                 375        0        0
REYNOLDS & REYNOLDS CO CLASS A COMMON STOCK     761695105       42     2300 SH       DEFINED                2300        0        0
RF MICRO DEVICES INC COM       COMMON STOCK     749941100        9      100 SH       OTHER                     0        0      100
RIGGS NATIONAL CORP WASH DC CO COMMON STOCK     766570105        2      138 SH       DEFINED                 138        0        0
RITE AID CORP COM              COMMON STOCK     767754104       20     3000 SH       DEFINED                3000        0        0
ROCKWELL INTERNATIONAL CORP NE COMMON STOCK     773903109      115     3655 SH       DEFINED                3655        0        0
ROCKWELL INTERNATIONAL CORP NE COMMON STOCK     773903109       16      500 SH       OTHER                   500        0        0
ROGERS COMMUNICATIONS INC COM  COMMON STOCK     775109200        3      100 SH       DEFINED                 100        0        0
ROHM & HAAS CO COM             COMMON STOCK     775371107       31      885 SH       OTHER                     0      885        0
ROSS STORES INC COM            COMMON STOCK     778296103     1166    68350 SH       DEFINED               68300        0       50
ROSS STORES INC COM            COMMON STOCK     778296103       51     3000 SH       OTHER                     0     3000        0
RSA SECURITY INC COM           COMMON STOCK     749719100        1       20 SH       DEFINED                  20        0        0
RUDOLPH TECHNOLOGIES INC COM   COMMON STOCK     781270103      961    24800 SH       DEFINED               24800        0        0
RYERSON TULL INC NEW COM       COMMON STOCK     78375P107        2      200 SH       DEFINED                   0        0      200
S & P 500 DEPOSITARY RECEIPT S COMMON STOCK     78462F103       15      100 SH       DEFINED                   0        0      100
SABRE HOLDINGS CORPORATION*    COMMON STOCK     785905100      355    12456 SH       DEFINED               12456        0        0
SAFECO CORP COM                COMMON STOCK     786429100        4      200 SH       OTHER                   200        0        0
SAFEWAY INC COM NEW *          COMMON STOCK     786514208    13296   295462 SH       DEFINED              289075        0     6387
SAFEWAY INC COM NEW *          COMMON STOCK     786514208      724    16094 SH       OTHER                 16094        0        0
SAKS INC COM                   COMMON STOCK     79377W108      490    46700 SH       DEFINED               46500        0      200
SALTON INC COM                 COMMON STOCK     795757103       74     2000 SH       DEFINED                2000        0        0
SANDISK CORP                   COMMON STOCK     80004C101       55      900 SH       DEFINED                 900        0        0
SANTA FE INTERNATIONAL CORP CO COMMON STOCK     G7805C108       20      570 SH       DEFINED                   0        0      570
SANTA FE SNYDER CORP COM       COMMON STOCK     80218K105        6      542 SH       DEFINED                 542        0        0
SARA LEE CORP COM *            COMMON STOCK     803111103     1731    89644 SH       DEFINED               89644        0        0
SARA LEE CORP COM *            COMMON STOCK     803111103      346    17900 SH       OTHER                 17900        0        0
SAUL CENTERS INC COM           COMMON STOCK     804395101        0       30 SH       DEFINED                  30        0        0
SAVOIR TECHNOLOGY GROUP INC CO COMMON STOCK     80533W107        4      500 SH       OTHER                     0        0      500
SBC COMMUNICATIONS INC COM *   COMMON STOCK     78387G103    30547   706292 SH       DEFINED              698765        0     7527
SBC COMMUNICATIONS INC COM *   COMMON STOCK     78387G103     3184    73607 SH       OTHER                 62319        0    11288
SCANA CORP COM NEW             COMMON STOCK     80589M102     1972    81749 SH       DEFINED               81211        0      538
SCANA CORP COM NEW             COMMON STOCK     80589M102       46     1899 SH       OTHER                  1899        0        0
SCHERING-PLOUGH CORP COM *     COMMON STOCK     806605101    11435   226428 SH       DEFINED              223768        0     2660
SCHERING-PLOUGH CORP COM *     COMMON STOCK     806605101     1093    21640 SH       OTHER                 16740        0     4900
SCHLUMBERGER LIMITED COM *     COMMON STOCK     806857108     4871    65267 SH       DEFINED               63557        0     1710
SCHLUMBERGER LIMITED COM *     COMMON STOCK     806857108      488     6540 SH       OTHER                  4340        0     2200
SCHWAB CHARLES CORP NEW COM    COMMON STOCK     808513105      312     9277 SH       DEFINED                9277        0        0
SCHWAB CHARLES CORP NEW COM    COMMON STOCK     808513105       61     1800 SH       OTHER                     0        0     1800
SCHWEITZER-MAUDUIT INTL INC CO COMMON STOCK     808541106        5      400 SH       DEFINED                 400        0        0
SCIENTIFIC-ATLANTA INC COM     COMMON STOCK     808655104     2786    37400 SH       DEFINED               37400        0        0
SCRIPPS E W CO CLASS A COM     COMMON STOCK     811054204       15      300 SH       DEFINED                   0        0      300
SDL INC COM                    COMMON STOCK     784076101      117      410 SH       DEFINED                 400        0       10
SEAGATE TECHNOLOGY COM         COMMON STOCK     811804103       39      709 SH       DEFINED                 709        0        0
SEALED AIR CORP NEW COM        COMMON STOCK     81211K100      931    17775 SH       DEFINED               17775        0        0
SEALED AIR CORP NEW COM        COMMON STOCK     81211K100       83     1587 SH       OTHER                  1587        0        0
SEARS ROEBUCK & CO COM *       COMMON STOCK     812387108      183     5607 SH       DEFINED                5507        0      100
SEARS ROEBUCK & CO COM *       COMMON STOCK     812387108      248     7600 SH       OTHER                  2000        0     5600
SELECTIVE INSURANCE GROUP INC  COMMON STOCK     816300107       17      920 SH       OTHER                     0      920        0
SEMPRA ENERGY COM              COMMON STOCK     816851109       47     2750 SH       DEFINED                1250      900      600
SEMPRA ENERGY COM              COMMON STOCK     816851109       27     1600 SH       OTHER                   400      800      400
SENIOR HOUSING PROPERTIES TRUS COMMON STOCK     81721M109        2      300 SH       DEFINED                 300        0        0
SENIOR HOUSING PROPERTIES TRUS COMMON STOCK     81721M109        1      150 SH       OTHER                   150        0        0
SEPRACOR, INC COM              COMMON STOCK     817315104       27      220 SH       DEFINED                 220        0        0
SEQUOIA SOFTWARE CORPORATION C COMMON STOCK     817439102        3      200 SH       DEFINED                 200        0        0
SERVICEMASTER COMPANY COM      COMMON STOCK     81760N109        9      757 SH       DEFINED                 757        0        0
SHERWIN-WILLIAMS CO COM *      COMMON STOCK     824348106     1112    52500 SH       DEFINED               52500        0        0
SIEBEL SYSTEMS INC COM         COMMON STOCK     826170102       83      510 SH       DEFINED                 400        0      110
SIERRA PACIFIC RESOURCES NEW C COMMON STOCK     826428104        8      660 SH       DEFINED                 660        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
SILICON GRAPHICS INC COM       COMMON STOCK     827056102        3      800 SH       OTHER                     0        0      800
SILICON VALLEY BANCSHARES      COMMON STOCK     827064106     1492    35000 SH       DEFINED               35000        0        0
SILICONIX INC COM              COMMON STOCK     827079203       41      600 SH       DEFINED                 600        0        0
SIMON PROPERTY GROUP INC NEW C COMMON STOCK     828806109      133     6000 SH       OTHER                     0        0     6000
SIMPSON MANUFACTURING CO INC C COMMON STOCK     829073105      741    15500 SH       DEFINED               15500        0        0
SINA.COM COM                   COMMON STOCK     G81477104        1       50 SH       DEFINED                  50        0        0
SMITH INTERNATIONAL INC COM    COMMON STOCK     832110100        6       83 SH       DEFINED                  83        0        0
SNAP ON, INC.                  COMMON STOCK     833034101        9      350 SH       DEFINED                 350        0        0
SODEXHO MARRIOTT SERVICES INC  COMMON STOCK     833793102        0       18 SH       DEFINED                  18        0        0
SOLECTRON CORP COM             COMMON STOCK     834182107        4       90 SH       DEFINED                  90        0        0
SOLUTIA INC COM                COMMON STOCK     834376105       10      700 SH       OTHER                     0      500      200
SONICWALL INC COM              COMMON STOCK     835470105        9      100 SH       DEFINED                 100        0        0
SOUTHERN CO COM                COMMON STOCK     842587107      331    14183 SH       DEFINED               14183        0        0
SOUTHERN CO COM                COMMON STOCK     842587107       63     2700 SH       OTHER                  1400        0     1300
SOUTHTRUST CORP COM            COMMON STOCK     844730101        2      100 SH       OTHER                   100        0        0
SOUTHWEST AIRLINES CO COM *    COMMON STOCK     844741108     4932   260411 SH       DEFINED              256524        0     3887
SOUTHWEST AIRLINES CO COM *    COMMON STOCK     844741108     1771    93533 SH       OTHER                 83326        0    10207
SOUTHWEST GAS CORP COM         COMMON STOCK     844895102     4015   229431 SH       DEFINED              226364        0     3067
SOUTHWEST GAS CORP COM         COMMON STOCK     844895102       85     4844 SH       OTHER                  3029     1815        0
SOUTHWESTERN ENERGY CO COM     COMMON STOCK     845467109        8     1200 SH       DEFINED                1200        0        0
SOVRAN SELF STORAGE COM        COMMON STOCK     84610H108       64     3000 SH       DEFINED                3000        0        0
SPIEGEL INC CL A               COMMON STOCK     848457107       45     5300 SH       DEFINED                5300        0        0
SPRINT CORP COM (FON GROUP)    COMMON STOCK     852061100      521    10218 SH       DEFINED                8718     1500        0
SPRINT CORP COM (FON GROUP)    COMMON STOCK     852061100       51     1000 SH       OTHER                  1000        0        0
SPRINT CORP PCS COM SER I      COMMON STOCK     852061506      178     2988 SH       DEFINED                2238      750        0
SPRINT CORP PCS COM SER I      COMMON STOCK     852061506       30      500 SH       OTHER                   500        0        0
ST JOE COMPANY                 COMMON STOCK     790148100     1500    50000 SH       DEFINED               50000        0        0
ST MARY LAND & EXPLORATION CO  COMMON STOCK     792228108        4      100 SH       OTHER                     0        0      100
ST. PAUL COS INC COM           COMMON STOCK     792860108       48     1400 SH       OTHER                  1400        0        0
STANLEY WORKS COM              COMMON STOCK     854616109       96     4056 SH       OTHER                     0     4056        0
STAPLES INC COM (RETAIL&DELIVE COMMON STOCK     855030102     2366   153872 SH       DEFINED              153292        0      580
STAPLES INC COM (RETAIL&DELIVE COMMON STOCK     855030102       81     5250 SH       OTHER                  5250        0        0
STARBUCKS CORP COM             COMMON STOCK     855244109        8      200 SH       DEFINED                 200        0        0
STARMEDIA NETWORK INC          COMMON STOCK     855546107        9      488 SH       DEFINED                 488        0        0
STARRETT L S CO CLASS A COM    COMMON STOCK     855668109       25     1400 SH       OTHER                     0     1400        0
STATE STREET CORP              COMMON STOCK     857477103      361     3400 SH       DEFINED                3400        0        0
STEIN MART INC COM             COMMON STOCK     858375108        0       20 SH       DEFINED                  20        0        0
STERLING BANCSHARES INC COM    COMMON STOCK     858907108      357    33000 SH       DEFINED               33000        0        0
STERLING BANCSHARES INC COM    COMMON STOCK     858907108      324    30000 SH       OTHER                 30000        0        0
STEWART ENTERPRISES INC CLASS  COMMON STOCK     860370105       31     5160 SH       DEFINED                5160        0        0
STORAGE USA INC COM            COMMON STOCK     861907103       24      800 SH       OTHER                     0        0      800
STRATUS PROPERTIES INC COM     COMMON STOCK     863167102        9     2000 SH       DEFINED                2000        0        0
STRYKER CORP COM *             COMMON STOCK     863667101     1251    28600 SH       DEFINED               28600        0        0
STRYKER CORP COM *             COMMON STOCK     863667101      315     7200 SH       OTHER                  7200        0        0
SUMMIT BANCSHARES              COMMON STOCK     866011109       61     3544 SH       DEFINED                3544        0        0
SUMMIT TECHNOLOGY INC COM      COMMON STOCK     86627E101       81     4308 SH       DEFINED                4308        0        0
SUMMIT TECHNOLOGY INC COM      COMMON STOCK     86627E101      434    23000 SH       OTHER                 23000        0        0
SUN MICROSYSTEMS INC COM *     COMMON STOCK     866810104    19901   218841 SH       DEFINED              214851        0     3990
SUN MICROSYSTEMS INC COM *     COMMON STOCK     866810104     1087    11949 SH       OTHER                  8649        0     3300
SUNBEAM CORP                   COMMON STOCK     867071102        2      500 SH       OTHER                   500        0        0
SUNGARD DATA SYSTEMS INC COM   COMMON STOCK     867363103       12      400 SH       DEFINED                 400        0        0
SUNOCO INC COM                 COMMON STOCK     86764P109        3      100 SH       DEFINED                   0        0      100
SUNOCO INC COM                 COMMON STOCK     86764P109       18      616 SH       OTHER                     0      616        0
SUNSHINE MINING & REFINING CO  COMMON STOCK     867833501        1     1700 SH       DEFINED                1682        0       18
SUNTRUST BANKS INC COM         COMMON STOCK     867914103      186     4062 SH       DEFINED                4062        0        0
SUNTRUST BANKS INC COM         COMMON STOCK     867914103       14      300 SH       OTHER                   100        0      200
SUPERVALU INC COM              COMMON STOCK     868536103      114     6000 SH       DEFINED                6000        0        0
SWIFT ENERGY CO COM            COMMON STOCK     870738101        2       66 SH       DEFINED                  66        0        0
SYBRON INTERNATIONAL CORP COM  COMMON STOCK     87114F106     1585    80000 SH       DEFINED               80000        0        0
SYLVAN LEARNING SYSTEMS INC CO COMMON STOCK     871399101      549    39900 SH       DEFINED               39900        0        0
SYMBOL TECHNOLOGIES INC COM    COMMON STOCK     871508107       20      375 SH       DEFINED                 375        0        0
SYNTROLEUM CORP COM            COMMON STOCK     871630109      514    30000 SH       DEFINED               30000        0        0
SYSCO CORP COM *               COMMON STOCK     871829107     3630    86170 SH       DEFINED               86170        0        0
SYSCO CORP COM *               COMMON STOCK     871829107     7767   184380 SH       OTHER                183980        0      400
TACO CABANA INC COM            COMMON STOCK     873425102      719   108600 SH       DEFINED              108600        0        0
TARGET CORP COM *              COMMON STOCK     87612E106     1703    29370 SH       DEFINED               29190        0      180
TARGET CORP COM *              COMMON STOCK     87612E106      553     9530 SH       OTHER                  9530        0        0
TECH DATA CORP COM*            COMMON STOCK     878237106      573    13158 SH       DEFINED               13158        0        0
TECH DATA CORP COM*            COMMON STOCK     878237106      180     4140 SH       OTHER                  4140        0        0
TECHNITROL INC COM             COMMON STOCK     878555101      959     9900 SH       DEFINED                9900        0        0
TECHNOLOGY RESEARCH CORP       COMMON STOCK     878727304        1      666 SH       DEFINED                 666        0        0
TECO ENERGY INC COM            COMMON STOCK     872375100       22     1100 SH       DEFINED                 500        0      600
TECO ENERGY INC COM            COMMON STOCK     872375100        6      300 SH       OTHER                   300        0        0
TEKTRONIX INC COM              COMMON STOCK     879131100      910    12300 SH       DEFINED               12300        0        0
TELEDYNE TECHNOLOGIES INC COM  COMMON STOCK     879360105        1       65 SH       DEFINED                  65        0        0
TELEFLEX INC COM*              COMMON STOCK     879369106      465    13000 SH       DEFINED               13000        0        0
TELIGENT INC CLASS A           COMMON STOCK     87959Y103       14      600 SH       OTHER                   400        0      200
TELLABS INC COM*               COMMON STOCK     879664100     1877    27429 SH       DEFINED               27429        0        0
TELLABS INC COM*               COMMON STOCK     879664100      638     9320 SH       OTHER                  9320        0        0
TEMPLE-INLAND INC COM          COMMON STOCK     879868107    31992   761724 SH       DEFINED              761724        0        0
TEMPLE-INLAND INC COM          COMMON STOCK     879868107      269     6400 SH       OTHER                     0     1080     5320
TENET HEALTHCARE CORP COM      COMMON STOCK     88033G100     1585    58704 SH       DEFINED               58704        0        0
TENNECO AUTOMOTIVE INC COM     COMMON STOCK     880349105        3      633 SH       DEFINED                 633        0        0
TERADYNE INC COM               COMMON STOCK     880770102       36      484 SH       DEFINED                 484        0        0
TERAYON COMMUNICATIONS SYSTEMS COMMON STOCK     880775101       13      200 SH       DEFINED                 200        0        0
TEREX CORP NEW COM             COMMON STOCK     880779103        3      200 SH       DEFINED                   0        0      200
TERRA INDUSTRIES INC           COMMON STOCK     880915103        0       59 SH       DEFINED                   0        0       59
TETRA TECH INC COM             COMMON STOCK     88162G103      661    28900 SH       DEFINED               28900        0        0
TEXACO INC COM *               COMMON STOCK     881694103    13259   249000 SH       DEFINED              243764        0     5236
TEXACO INC COM *               COMMON STOCK     881694103     1004    18850 SH       OTHER                 16150      400     2300
TEXAS INDUSTRIES INC COM       COMMON STOCK     882491103      158     5486 SH       DEFINED                5486        0        0
TEXAS INDUSTRIES INC COM       COMMON STOCK     882491103      163     5642 SH       OTHER                     0        0     5642
TEXAS INSTRUMENTS INC COM *    COMMON STOCK     882508104     7944   115660 SH       DEFINED              114200        0     1460
TEXAS INSTRUMENTS INC COM *    COMMON STOCK     882508104      627     9134 SH       OTHER                  9134        0        0
TEXTRON INC COM *              COMMON STOCK     883203101     2815    51830 SH       DEFINED               51830        0        0
TEXTRON INC COM *              COMMON STOCK     883203101      647    11920 SH       OTHER                  8320     3600        0
THE MCCLATCHY CO CLASS A COM   COMMON STOCK     579489105      682    20600 SH       DEFINED               20600        0        0
THERMO ECOTEK CORP COM         COMMON STOCK     88355R106        0       33 SH       DEFINED                   0        0       33
THERMO ELECTRON CORP COM *     COMMON STOCK     883556102       61     2887 SH       DEFINED                2650        0      237
THERMO INSTRUMENT SYSTEMS INC  COMMON STOCK     883559106        8      453 SH       DEFINED                   0        0      453
THORNBURG MORTGAGE INC COM     COMMON STOCK     885218107        3      400 SH       OTHER                   400        0        0
TICKETMASTER ONLINE-CITYSEARCH COMMON STOCK     88633P203        2      100 SH       DEFINED                 100        0        0
TICKETMASTER ONLINE-CITYSEARCH COMMON STOCK     88633P203        3      200 SH       OTHER                     0        0      200
TIDEL TECHNOLOGIES INC COM     COMMON STOCK     886368109       20     2000 SH       DEFINED                2000        0        0
TIDEWATER INC COM              COMMON STOCK     886423102       40     1120 SH       DEFINED                1120        0        0
TIMBERLAND CO CLASS A          COMMON STOCK     887100105       71     1000 SH       DEFINED                1000        0        0
TIME WARNER INC COM*           COMMON STOCK     887315109   215340  2833415 SH       DEFINED             2829732        0     3683
TIME WARNER INC COM*           COMMON STOCK     887315109     1453    19122 SH       OTHER                  9382     9740        0
TITAN CORP                     COMMON STOCK     888266103     1839    41100 SH       DEFINED               41100        0        0
TOR MINERALS INTERNATIONAL INC COMMON STOCK     890878101        1      300 SH       OTHER                   300        0        0
TORCHMARK CORP COM             COMMON STOCK     891027104       25     1000 SH       DEFINED                1000        0        0
TOTAL RENAL CARE HOLDINGS INC  COMMON STOCK     89151A107       17     2500 SH       DEFINED                2500        0        0
TOYS R US INC COM              COMMON STOCK     892335100      164    11280 SH       DEFINED               11280        0        0
TRANSWITCH CORP COM            COMMON STOCK     894065101        8      100 SH       DEFINED                 100        0        0
TRIAD HOSPITALS INC COM        COMMON STOCK     89579K109        9      382 SH       DEFINED                 222        0      160
TRIBUNE CO NEW COM *           COMMON STOCK     896047107     1152    32918 SH       DEFINED               32918        0        0
TRICON GLOBAL RESTAURANTS INC  COMMON STOCK     895953107      101     3565 SH       DEFINED                3565        0        0
TRICON GLOBAL RESTAURANTS INC  COMMON STOCK     895953107       55     1964 SH       OTHER                  1364      360      240
TRINITY INDUSTRIES INC COM     COMMON STOCK     896522109       30     1612 SH       DEFINED                1612        0        0
TRITEL INC COM                 COMMON STOCK     89675X104        1       50 SH       DEFINED                  50        0        0
TRW INC COM                    COMMON STOCK     872649108       41      954 SH       DEFINED                   0        0      954
TRW INC COM                    COMMON STOCK     872649108       35      800 SH       OTHER                   800        0        0
TV GUIDE INC CLASS A           COMMON STOCK     87307Q109       17      500 SH       DEFINED                   0        0      500
TXU CORP COM *                 COMMON STOCK     873168108     1904    64538 SH       DEFINED               64438        0      100
TXU CORP COM *                 COMMON STOCK     873168108      828    28052 SH       OTHER                  7088     1764    19200
TYCO INTL LTD NEW COM          COMMON STOCK     902124106     1549    32696 SH       DEFINED               32196        0      500
TYCO INTL LTD NEW COM          COMMON STOCK     902124106      202     4272 SH       OTHER                  1000        0     3272
TYLER TECHNOLOGIES INC COM     COMMON STOCK     902252105       51    20000 SH       DEFINED               20000        0        0
U S RESTAURANT PROPERTIES INC  COMMON STOCK     902971100      261    29220 SH       DEFINED               29220        0        0
U S RESTAURANT PROPERTIES INC  COMMON STOCK     902971100        2      200 SH       OTHER                   200        0        0
U S WEST INC NEW COM *         COMMON STOCK     91273H101     3695    43091 SH       DEFINED               42891        0      200
U S WEST INC NEW COM *         COMMON STOCK     91273H101      180     2098 SH       OTHER                  1893        0      205
U S WIRELESS CORP COM          COMMON STOCK     90339C106       32     1500 SH       DEFINED                1500        0        0
UBIQUITEL INC COM              COMMON STOCK     903474302        2      200 SH       DEFINED                 200        0        0
ULTRAMAR DIAMOND SHAMROCK CORP COMMON STOCK     904000106     1445    58250 SH       DEFINED               58250        0        0
UNICOM CORP COM                COMMON STOCK     904911104       97     2500 SH       DEFINED                2500        0        0
UNIFY CORP                     COMMON STOCK     904743101       29     3400 SH       DEFINED                3400        0        0
UNION CARBIDE CORP COM         COMMON STOCK     905581104       50     1005 SH       DEFINED                1005        0        0
UNION PACIFIC CORP COM         COMMON STOCK     907818108      141     3800 SH       DEFINED                3800        0        0
UNION PACIFIC RESOURCES GROUP  COMMON STOCK     907834105    18938   860813 SH       DEFINED              860513        0      300
UNION PACIFIC RESOURCES GROUP  COMMON STOCK     907834105      143     6482 SH       OTHER                  6482        0        0
UNION PLANTERS CORP COM        COMMON STOCK     908068109       14      500 SH       DEFINED                   0        0      500
UNION PLANTERS CORP COM        COMMON STOCK     908068109        8      300 SH       OTHER                   300        0        0
UNISOURCE ENERGY CORP COM      COMMON STOCK     909205106        2      140 SH       DEFINED                 140        0        0
UNISYS CORP COM                COMMON STOCK     909214108      120     8268 SH       DEFINED                8168        0      100
UNITED DOMINION REALTY TRUST I COMMON STOCK     910197102       15     1404 SH       DEFINED                   0        0     1404
UNITED FIRE & CASUALTY CO COM  COMMON STOCK     910331107        2      100 SH       DEFINED                   0        0      100
UNITED ILLUMINATING CO COM     COMMON STOCK     910637107        4      100 SH       DEFINED                 100        0        0
UNITED PARCEL SERVICE CLASS B  COMMON STOCK     911312106      165     2790 SH       DEFINED                2790        0        0
UNITED STATIONERS INC COM      COMMON STOCK     913004107      868    26800 SH       DEFINED               26800        0        0
UNITED TECHNOLOGIES CORP COM   COMMON STOCK     913017109      559     9500 SH       DEFINED                9000        0      500
UNITED TECHNOLOGIES CORP COM   COMMON STOCK     913017109      249     4224 SH       OTHER                  3200     1024        0
UNITED WATER RESOURCES INC     COMMON STOCK     913190104       21      600 SH       DEFINED                   0        0      600
UNITEDHEALTH GROUP INC COM*    COMMON STOCK     91324P102      460     5360 SH       DEFINED                5360        0        0
UNITEDHEALTH GROUP INC COM*    COMMON STOCK     91324P102       42      495 SH       OTHER                   495        0        0
UNITRIN INC COM                COMMON STOCK     913275103       59     2000 SH       DEFINED                2000        0        0
UNIVERSAL HEALTH RLTY INCOME T COMMON STOCK     91359E105        0        6 SH       DEFINED                   6        0        0
UNIVERSAL HEALTH SERVICES INC  COMMON STOCK     913903100       39      600 SH       DEFINED                 600        0        0
UNIVISION COMMUNICATIONS INC C COMMON STOCK     914906102       41      400 SH       DEFINED                 100        0      300
UNOCAL CORP COM *              COMMON STOCK     915289102     2289    69100 SH       DEFINED               69100        0        0
UNOCAL CORP COM *              COMMON STOCK     915289102       43     1300 SH       OTHER                   300        0     1000
UNUMPROVIDENT CORP COM         COMMON STOCK     91529Y106        2      100 SH       OTHER                   100        0        0
US BANCORP DEL COM             COMMON STOCK     902973106       79     4080 SH       DEFINED                4080        0        0
USFREIGHTWAYS CORP COM *       COMMON STOCK     916906100     1933    78694 SH       DEFINED               78694        0        0
USFREIGHTWAYS CORP COM *       COMMON STOCK     916906100       15      612 SH       OTHER                   612        0        0
UST INC COM                    COMMON STOCK     902911106      147    10000 SH       DEFINED                9000        0     1000
USX-MARATHON GROUP COM*        COMMON STOCK     902905827     1404    56000 SH       DEFINED               55800        0      200
USX-MARATHON GROUP COM*        COMMON STOCK     902905827      100     4000 SH       OTHER                  4000        0        0
USX-U. S. STEEL GROUP COM      COMMON STOCK     90337T101        6      300 SH       DEFINED                 300        0        0
UTI ENERGY CORP COM            COMMON STOCK     903387108     1115    27800 SH       DEFINED               27800        0        0
UTILICORP UNITED INC COM       COMMON STOCK     918005109        3      150 SH       DEFINED                 150        0        0
UTILICORP UNITED INC COM       COMMON STOCK     918005109       12      600 SH       OTHER                   600        0        0
VALERO ENERGY CORP NEW COM     COMMON STOCK     91913Y100       48     1500 SH       DEFINED                1500        0        0
VALERO ENERGY CORP NEW COM     COMMON STOCK     91913Y100       16      500 SH       OTHER                   500        0        0
VARCO INTL INC DEL COM         COMMON STOCK     922122106     1823    78394 SH       DEFINED               78394        0        0
VARI-LITE INTERNATIONAL INC CO COMMON STOCK     922152103      154   159102 SH       DEFINED              159102        0        0
VARIAN INC COM                 COMMON STOCK     922206107      701    15200 SH       DEFINED               15200        0        0
VARIAN MEDICAL SYSTEMS INC COM COMMON STOCK     92220P105      638    16300 SH       DEFINED               16300        0        0
VARIAN SEMICONDUCTOR EQUIP ASS COMMON STOCK     922207105     1878    29900 SH       DEFINED               29900        0        0
VEECO INSTRUMENTS DEL INC COM  COMMON STOCK     922417100     1348    18400 SH       DEFINED               18400        0        0
VENATOR GROUP INC COM          COMMON STOCK     922944103      882    86000 SH       DEFINED               86000        0        0
VENTAS INC COM                 COMMON STOCK     92276F100     1753   549875 SH       DEFINED              549875        0        0
VENTAS INC COM                 COMMON STOCK     92276F100       10     3193 SH       OTHER                  3193        0        0
VENTIV HEALTH INC COM          COMMON STOCK     922793104        1      100 SH       DEFINED                 100        0        0
VERISIGN INC                   COMMON STOCK     92343E102       17       97 SH       DEFINED                   0        0       97
VIACOM INC CLASS B COM         COMMON STOCK     925524308      141     2071 SH       DEFINED                1637        0      434
VIASAT INC COM                 COMMON STOCK     92552V100      163     3000 SH       OTHER                     0        0     3000
VIASYSTEMS GROUP INC           COMMON STOCK     92553H100      138     8500 SH       DEFINED                8500        0        0
VIGNETTE CORP COM              COMMON STOCK     926734104        8      150 SH       DEFINED                 150        0        0
VINTAGE PETROLEUM INC COM      COMMON STOCK     927460105       44     1950 SH       DEFINED                1950        0        0
VIRAGEN INC COM                COMMON STOCK     927638106       11     5000 SH       DEFINED                5000        0        0
VIRATA CORP COM                COMMON STOCK     927646109       24      400 SH       DEFINED                   0        0      400
VISHAY INTERTECHNOLOGY INC COM COMMON STOCK     928298108       43     1129 SH       DEFINED                1107        0       22
VISX INC COM                   COMMON STOCK     92844S105       90     3200 SH       DEFINED                3200        0        0
VITESSE SEMICONDUCTOR CORP COM COMMON STOCK     928497106       15      200 SH       DEFINED                 200        0        0
VIVUS INC COM                  COMMON STOCK     928551100        7     1000 SH       DEFINED                   0        0     1000
VLASIC FOODS INTERNATIONAL INC COMMON STOCK     928559103        0      177 SH       OTHER                     0      177        0
WACHOVIA CORP COM *            COMMON STOCK     929771103       26      475 SH       DEFINED                 475        0        0
WADDELL & REED FINANCIAL INC C COMMON STOCK     930059100      769    23450 SH       DEFINED               23450        0        0
WAL MART STORES INC COM *      COMMON STOCK     931142103    16126   279839 SH       DEFINED              274634        0     5205
WAL MART STORES INC COM *      COMMON STOCK     931142103     2382    41334 SH       OTHER                 41334        0        0
WALGREEN CO COM                COMMON STOCK     931422109      185     5760 SH       DEFINED                4938        0      822
WALGREEN CO COM                COMMON STOCK     931422109       90     2800 SH       OTHER                     0        0     2800
WASHINGTON FEDERAL INC COM     COMMON STOCK     938824109     4988   273341 SH       DEFINED              273341        0        0
WASHINGTON FEDERAL INC COM     COMMON STOCK     938824109       37     2017 SH       OTHER                  2017        0        0
WASHINGTON GAS LIGHT CO COM    COMMON STOCK     938837101       29     1200 SH       DEFINED                   0        0     1200
WASHINGTON GAS LIGHT CO COM    COMMON STOCK     938837101       10      400 SH       OTHER                     0      400        0
WASHINGTON MUTUAL INC COM      COMMON STOCK     939322103      231     8000 SH       DEFINED                7900        0      100
WASHINGTON MUTUAL INC COM      COMMON STOCK     939322103       71     2443 SH       OTHER                     0     2443        0
WASHINGTON REAL ESTATE INVESTM COMMON STOCK     939653101        7      400 SH       OTHER                   400        0        0
WASTE MANAGEMENT DEL INC COM   COMMON STOCK     94106L109      318    16729 SH       DEFINED               16729        0        0
WATER PIK TECHNOLOGIES INC COM COMMON STOCK     94113U100        0       22 SH       DEFINED                  22        0        0
WATSON PHARMACEUTICALS INC COM COMMON STOCK     942683103      226     4200 SH       DEFINED                4200        0        0
WAUSAU-MOSINEE PAPER CORP COM  COMMON STOCK     943315101      259    30293 SH       DEFINED               30293        0        0
WD 40 CO COM DELAWARE          COMMON STOCK     929236107       12      600 SH       DEFINED                 600        0        0
WEATHERFORD INTERNATIONAL INC  COMMON STOCK     947074100      745    18725 SH       DEFINED               18725        0        0
WEATHERFORD INTERNATIONAL INC  COMMON STOCK     947074100        7      176 SH       OTHER                     0        0      176
WEBMETHODS INC COM             COMMON STOCK     94768C108        4       25 SH       DEFINED                  25        0        0
WEINGARTEN REALTY INVESTORS SB COMMON STOCK     948741103      113     2800 SH       DEFINED                2500        0      300
WELLS FARGO & CO NEW COM *     COMMON STOCK     949746101    17130   442066 SH       DEFINED              432519        0     9547
WELLS FARGO & CO NEW COM *     COMMON STOCK     949746101     1860    47997 SH       OTHER                 32622     4475    10900
WENDY'S INTERNATIONAL INC COM  COMMON STOCK     950590109     1606    90157 SH       DEFINED               90157        0        0
WENDY'S INTERNATIONAL INC COM  COMMON STOCK     950590109       93     5210 SH       OTHER                  5210        0        0
WESCO FINANCIAL CORP COM       COMMON STOCK     950817106      185      900 SH       OTHER                     0        0      900
WEST PHARMACEUTICAL SERVICES I COMMON STOCK     955306105        3      135 SH       OTHER                     0      135        0
WESTERN DIGITAL CORP COM       COMMON STOCK     958102105       10     2000 SH       DEFINED                2000        0        0
WESTERN RESOURCES INC COM      COMMON STOCK     959425109       26     1700 SH       DEFINED                1700        0        0
WESTERN RESOURCES INC COM      COMMON STOCK     959425109        2      100 SH       OTHER                   100        0        0
WEYERHAEUSER CO COM            COMMON STOCK     962166104        4      100 SH       OTHER                     0        0      100
WHIRLPOOL CORP COM             COMMON STOCK     963320106        5      100 SH       DEFINED                 100        0        0
WHITMAN CORP NEW COM           COMMON STOCK     96647R107        2      200 SH       DEFINED                 200        0        0
WHOLE FOODS MARKET INC COM     COMMON STOCK     966837106     1281    31000 SH       DEFINED               31000        0        0
WILLAMETTE INDUSTRIES INC COM* COMMON STOCK     969133107       14      500 SH       DEFINED                 500        0        0
WILLAMETTE INDUSTRIES INC COM* COMMON STOCK     969133107      240     8800 SH       OTHER                     0     8800        0
WILLIAMS COMMUNICATIONS GROUP  COMMON STOCK     969455104        2       50 SH       DEFINED                  50        0        0
WILLIAMS COS COM *             COMMON STOCK     969457100    20069   481420 SH       DEFINED              474422        0     6998
WILLIAMS COS COM *             COMMON STOCK     969457100     1402    33642 SH       OTHER                 32752      290      600
WILLIAMS SONOMA INC COM*       COMMON STOCK     969904101     1641    50600 SH       DEFINED               50600        0        0
WINSTAR COMMUNICATIONS INC COM COMMON STOCK     975515107        7      200 SH       DEFINED                   0        0      200
WISCONSIN ENERGY CORP COM      COMMON STOCK     976657106       30     1500 SH       DEFINED                1500        0        0
WORLDCOM INC COM *             COMMON STOCK     98157D106    30565   666259 SH       DEFINED              654972        0    11287
WORLDCOM INC COM *             COMMON STOCK     98157D106     2239    48816 SH       OTHER                 47841      975        0
WRIGLEY WM JR CO COM           COMMON STOCK     982526105       56      700 SH       DEFINED                 700        0        0
WRIGLEY WM JR CO COM           COMMON STOCK     982526105      120     1500 SH       OTHER                     0        0     1500
WYNN'S INTERNATIONAL INC COM   COMMON STOCK     983195108       26     1125 SH       OTHER                     0        0     1125
XEROX CORP COM*                COMMON STOCK     984121103     5611   270425 SH       DEFINED              270425        0        0
XEROX CORP COM*                COMMON STOCK     984121103      195     9400 SH       OTHER                  9400        0        0
XILINX INC COM                 COMMON STOCK     983919101       54      650 SH       DEFINED                 650        0        0
XTRA CORP COM                  COMMON STOCK     984138107       63     1595 SH       DEFINED                1595        0        0
XYBERNAUT CORP COM             COMMON STOCK     984149104        1      100 SH       DEFINED                   0        0      100
YAHOO! INC COM DEL             COMMON STOCK     984332106      124     1000 SH       DEFINED                1000        0        0
ZORAN CORP COM                 COMMON STOCK     98975F101        7      100 SH       DEFINED                 100        0        0
3COM CORP COM                  COMMON STOCK     885535104       24      425 SH       DEFINED                 425        0        0
3COM CORP COM                  COMMON STOCK     885535104       46      800 SH       OTHER                   800        0        0
7-ELEVEN INC COM               COMMON STOCK     817826209       10      700 SH       DEFINED                 700        0        0
DIACRIN INC WARRANTS EXP    12 COMMON STOCK     25243N111        0      200 SH       DEFINED                 200        0        0
GABELLI GLOBAL MULTIMEDIA    7 COMMON STOCK     36239Q125        0      125 SH       DEFINED                 125        0        0
IMC GLOBAL WT EXP 00           COMMON STOCK     449669118        0       34 SH       DEFINED                  34        0        0
MAXIM PHARMACEUTICAL WTS EXP 7 COMMON STOCK     57772M115       30      700 SH       DEFINED                 700        0        0
ACE LTD                        COMMON STOCK     G0070K103       71     2525 SH       DEFINED                2525        0        0
AEGON N V ORD ADR              COMMON STOCK     007924103       65     1820 SH       DEFINED                1820        0        0
AEGON N V ORD ADR              COMMON STOCK     007924103       15      434 SH       OTHER                   434        0        0
AGRIUM INC COM                 COMMON STOCK     008916108     6567   761408 SH       DEFINED              761408        0        0
AGRIUM INC COM                 COMMON STOCK     008916108       31     3628 SH       OTHER                  3628        0        0
ANGLO AMERICAN PLC ADR         COMMON STOCK     03485P102       26      551 SH       DEFINED                   0        0      551
ANGLOGOLD LIMITED SPONSORED AD COMMON STOCK     035128206        5      244 SH       DEFINED                   0        0      244
ASA LTD                        COMMON STOCK     002050102      177    11000 SH       DEFINED               10000        0     1000
ASTRAZENECA PLC SPN ADR        COMMON STOCK     046353108      674    14500 SH       DEFINED               14500        0        0
AVENTIS SPONSORED ADR          COMMON STOCK     053561106        7      100 SH       DEFINED                   0        0      100
AVENTIS SPONSORED ADR          COMMON STOCK     053561106       22      300 SH       OTHER                   300        0        0
AXA                            COMMON STOCK     054536107      764     9600 SH       DEFINED                9600        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      752    41337 SH       DEFINED               40900        0      437
BARRICK GOLD CORP COM *        COMMON STOCK     067901108       82     4500 SH       OTHER                  4500        0        0
BASS PUBLIC LIMITED CO SPONSOR COMMON STOCK     069904209        1       94 SH       DEFINED                  94        0        0
BP AMOCO PLC SPONSORED ADR*    COMMON STOCK     055622104     9518   168282 SH       DEFINED              158888        0     9394
BP AMOCO PLC SPONSORED ADR*    COMMON STOCK     055622104     1615    28552 SH       OTHER                 12359     8717     7476
BRASCAN CORP LTD VTG SHS CLASS COMMON STOCK     10549P606        4      304 SH       DEFINED                 304        0        0
BRITISH AIRWAYS PLC SPONSORED  COMMON STOCK     110419306      736    12800 SH       DEFINED               12800        0        0
BRITISH TELECOMMUNICATIONS PLC COMMON STOCK     111021408      483     3650 SH       DEFINED                3650        0        0
CABLE & WIRELESS PLC ADR       COMMON STOCK     126830207       10      200 SH       DEFINED                   0        0      200
CANADIAN NATIONAL RAILWAY CO   COMMON STOCK     136375102     6509   223011 SH       DEFINED              220325        0     2686
CANADIAN NATIONAL RAILWAY CO   COMMON STOCK     136375102       44     1504 SH       OTHER                  1504        0        0
CLEARLY CANADIAN BEVERAGE CORP COMMON STOCK     184901205        2     1552 SH       DEFINED                1552        0        0
CORE LABORATORIES N. V. COM    COMMON STOCK     N22717107        7      250 SH       DEFINED                   0        0      250
CORUS GROUP PLC SPONSORED ADR  COMMON STOCK     22087M101      525    36500 SH       DEFINED               36500        0        0
CORUS GROUP PLC SPONSORED ADR  COMMON STOCK     22087M101       14     1000 SH       OTHER                  1000        0        0
DAIMLERCHRYSLER AG ORD         COMMON STOCK     D1668R123      535    10278 SH       DEFINED               10278        0        0
DAIMLERCHRYSLER AG ORD         COMMON STOCK     D1668R123       15      279 SH       OTHER                   279        0        0
DE BEERS CONS MINES LIMITED AD COMMON STOCK     240253302        6      250 SH       DEFINED                   0        0      250
DEUTSCHE TELEKOM AG SPONSORED  COMMON STOCK     251566105      846    14900 SH       DEFINED               14900        0        0
DSG INTERNATIONAL LIMITED ORD  COMMON STOCK     G28471103       80    16000 SH       DEFINED               16000        0        0
ENDESA S.A. SPONSORED ADR      COMMON STOCK     29258N107      995    51000 SH       DEFINED               51000        0        0
ENI SPA SONSORED ADR           COMMON STOCK     26874R108      527     9050 SH       DEFINED                9050        0        0
ENTERPRISE OIL PLC SPONSORED A COMMON STOCK     293779302    12847   519086 SH       DEFINED              513548        0     5538
ENTERPRISE OIL PLC SPONSORED A COMMON STOCK     293779302       93     3757 SH       OTHER                  3757        0        0
ERICSSON L M TEL CO ADR CLASS  COMMON STOCK     294821400     1032    51600 SH       DEFINED               51600        0        0
FRANCE TELECOM S.A. SPONSORED  COMMON STOCK     35177Q105      656     4600 SH       DEFINED                4600        0        0
FRESENIUS MEDICAL CARE ADR     COMMON STOCK     358029106        5      183 SH       DEFINED                 183        0        0
FRESENIUS MEDICAL CARE ADR     COMMON STOCK     358029106       81     3107 SH       OTHER                  3107        0        0
GALLAHER GROUP PLC ADR         COMMON STOCK     363595109      115     5380 SH       DEFINED                4400        0      980
GLAXO WELLCOME PLC             COMMON STOCK     37733W105      897    15508 SH       DEFINED               15208        0      300
GLAXO WELLCOME PLC             COMMON STOCK     37733W105        7      117 SH       OTHER                     0        0      117
GOLD FIELDS LIMITED NEW SPONS  COMMON STOCK     38059T106        4      970 SH       DEFINED                   0        0      970
HITACHI LTD ADR                COMMON STOCK     433578507     1052     7300 SH       DEFINED                7300        0        0
IMPERIAL CHEMICAL INDS PLC ADR COMMON STOCK     452704505        3      100 SH       OTHER                     0        0      100
IMPERIAL PARKING CORP COM      COMMON STOCK     453077109        4      255 SH       DEFINED                 255        0        0
INFOSYS TECHNOLOGIES SP ADR    COMMON STOCK     456788108       18      100 SH       DEFINED                 100        0        0
ING GROEP N V SPONSORED ADR    COMMON STOCK     456837103      306     4534 SH       DEFINED                4534        0        0
IPC HOLDINGS LIMITED           COMMON STOCK     G4933P101     2625   187497 SH       DEFINED              187497        0        0
IPC HOLDINGS LIMITED           COMMON STOCK     G4933P101       17     1197 SH       OTHER                  1197        0        0
KINROSS GOLD CORP              COMMON STOCK     496902107        0      110 SH       DEFINED                   0        0      110
KNIGHTSBRIDGE TANKERS LTD      COMMON STOCK     G5299G106       20     1000 SH       OTHER                     0        0     1000
KONINKLIJKE PHILIPS ELECTRS NV COMMON STOCK     500472204     1100    23168 SH       DEFINED               23168        0        0
KONINKLIJKE PHILIPS ELECTRS NV COMMON STOCK     500472204      175     3680 SH       OTHER                     0        0     3680
LVMH MOET HENNESSY LOUIS VUITT COMMON STOCK     502441207        4       52 SH       DEFINED                  52        0        0
MANULIFE FINANCIAL CORP COM    COMMON STOCK     56501R106      516    28965 SH       DEFINED               28965        0        0
MEXICO FUND INC COM *          COMMON STOCK     592835102       12      833 SH       DEFINED                 833        0        0
NOKIA CORP SPONSORED PREFERENC COMMON STOCK     654902204    19532   391130 SH       DEFINED              387880        0     3250
NOKIA CORP SPONSORED PREFERENC COMMON STOCK     654902204      546    10933 SH       OTHER                 10933        0        0
NORSK HYDRO A. S. SPONSORED AD COMMON STOCK     656531605    10867   258359 SH       DEFINED              255105        0     3254
NORSK HYDRO A. S. SPONSORED AD COMMON STOCK     656531605      123     2936 SH       OTHER                  2221      676       39
NORTEL NETWORKS CORP NEW COM * COMMON STOCK     656568102    14152   207360 SH       DEFINED              206400        0      960
NORTEL NETWORKS CORP NEW COM * COMMON STOCK     656568102      917    13430 SH       OTHER                 13430        0        0
NOVO-NORDISK A/S SPONSORED ADR COMMON STOCK     670100205      570     6750 SH       DEFINED                6750        0        0
PARTNERRE LTD.                 COMMON STOCK     G6852T105     4941   139436 SH       DEFINED              139336        0      100
PARTNERRE LTD.                 COMMON STOCK     G6852T105       48     1355 SH       OTHER                   759      596        0
PECHINEY SA SPONSORED ADR      COMMON STOCK     705151207     3405   164105 SH       DEFINED              163226        0      879
PECHINEY SA SPONSORED ADR      COMMON STOCK     705151207       27     1287 SH       OTHER                  1287        0        0
PETROLEUM GEO SERVICES A/S SPO COMMON STOCK     716597109      213    12500 SH       DEFINED               12500        0        0
PHILIP SVCS CORP DEL           COMMON STOCK     718193105        1      219 SH       DEFINED                 219        0        0
PLACER DOME INC COM            COMMON STOCK     725906101       49     5105 SH       DEFINED                   0        0     5105
PMC SIERRA INC COM             COMMON STOCK     69344F106       62      350 SH       DEFINED                 300        0       50
PORTUGAL TELECOM S.A. ADR      COMMON STOCK     737273102      613    54500 SH       DEFINED               54500        0        0
POWERGEN PLC SPONS ADR-FINAL I COMMON STOCK     738905405      665    19000 SH       DEFINED               19000        0        0
PRECISION DRILLING CORP COM    COMMON STOCK     74022D100      834    21600 SH       DEFINED               21600        0        0
PT TELEKOMUNIKASI INDONESIA SP COMMON STOCK     715684106        4      540 SH       DEFINED                 540        0        0
QS COMMUNICATIONS AG ADR       COMMON STOCK     74727G101        2      100 SH       DEFINED                 100        0        0
RADVISION LIMITED COM          COMMON STOCK     M81869105        1       50 SH       DEFINED                  50        0        0
RANGER OIL LTD COM             COMMON STOCK     752805101     2938   534265 SH       DEFINED              534265        0        0
RANGER OIL LTD COM             COMMON STOCK     752805101       25     4478 SH       OTHER                  4478        0        0
RENAISSANCE RE HOLDINGS LTD CO COMMON STOCK     G7496G103     8037   184486 SH       DEFINED              184486        0        0
RENAISSANCE RE HOLDINGS LTD CO COMMON STOCK     G7496G103       25      578 SH       OTHER                   578        0        0
REPSOL S A SPONSORED ADR       COMMON STOCK     76026T205      733    37000 SH       DEFINED               37000        0        0
REUTERS GROUP PLC SPONSORED AD COMMON STOCK     76132M102      134     1342 SH       DEFINED                1342        0        0
ROYAL DUTCH PETROLEUM CO NY SH COMMON STOCK     780257804     2780    45157 SH       DEFINED               44857        0      300
ROYAL DUTCH PETROLEUM CO NY SH COMMON STOCK     780257804      554     9000 SH       OTHER                  4800        0     4200
SAN PAOLO-IMI S P A SPONSORED  COMMON STOCK     799175104      651    18400 SH       DEFINED               18400        0        0
SAP AKTIENGESELLSCHAFT SPONSOR COMMON STOCK     803054204      692    14750 SH       DEFINED               14750        0        0
SATYAM INFOWAY LIMITED ADR     COMMON STOCK     804099109       45     2000 SH       DEFINED                   0        0     2000
SCOTTISH POWER PLC SPON ADR    COMMON STOCK     81013T705     4647   138967 SH       DEFINED              138851        0      116
SCOTTISH POWER PLC SPON ADR    COMMON STOCK     81013T705       90     2694 SH       OTHER                  2446        0      248
SHELL TRANS & TRADING PLC NY S COMMON STOCK     822703609      916    18350 SH       DEFINED               18350        0        0
SHELL TRANS & TRADING PLC NY S COMMON STOCK     822703609        7      150 SH       OTHER                   150        0        0
SMITHKLINE BEECHAM PLC ADR CLA COMMON STOCK     832378301     1651    25321 SH       DEFINED               25321        0        0
SONY CORP AMERICAN SHARES NEW  COMMON STOCK     835699307      688     7300 SH       DEFINED                7300        0        0
SONY CORP AMERICAN SHARES NEW  COMMON STOCK     835699307      377     4000 SH       OTHER                     0        0     4000
STEINER LEISURE LTD            COMMON STOCK     P8744Y102      776    34300 SH       DEFINED               34300        0        0
TAIWAN SEMICONDUCTOR MFG CO LT COMMON STOCK     874039100       19      500 SH       DEFINED                 500        0        0
TALISMAN ENERGY INC COM        COMMON STOCK     87425E103      563    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      853     6200 SH       DEFINED                6200        0        0
TELEFONICA S A SPONSORED ADR   COMMON STOCK     879382208      161     2512 SH       OTHER                     0     2512        0
TELEFONOS DE MEXICO S A ADR NO COMMON STOCK     879403400        6     2000 SH       DEFINED                2000        0        0
TELEFONOS DE MEXICO S A SPON O COMMON STOCK     879403780       11      200 SH       DEFINED                 200        0        0
TOTAL FINA ELF S A SPONSORED A COMMON STOCK     89151E109     1248    16250 SH       DEFINED               16250        0        0
TOTAL FINA ELF S A SPONSORED A COMMON STOCK     89151E109      111     1444 SH       OTHER                     0        0     1444
TOYOTA MOTOR CORP ADR 2 COM    COMMON STOCK     892331307      895     9600 SH       DEFINED                9600        0        0
TRANSCANADA PIPELINES LIMITED  COMMON STOCK     893526103        2      257 SH       DEFINED                   0        0      257
TRANSOCEAN SEDCO FOREX INC *   COMMON STOCK     G90078109     5925   110878 SH       DEFINED              109985        0      893
TRANSOCEAN SEDCO FOREX INC *   COMMON STOCK     G90078109      308     5763 SH       OTHER                  5338        0      425
TRANSPORTACION MARITIMA MEXICA COMMON STOCK     893868208        5     1000 SH       DEFINED                1000        0        0
UNILEVER NV NEW YORK SHARES NE COMMON STOCK     904784709     1665    38711 SH       DEFINED               38711        0        0
UNILEVER NV NEW YORK SHARES NE COMMON STOCK     904784709      280     6517 SH       OTHER                  6517        0        0
VODAFONE AIRTOUCH PUBLIC LTD C COMMON STOCK     92857T107     1107    26705 SH       DEFINED               25030        0     1675
VODAFONE AIRTOUCH PUBLIC LTD C COMMON STOCK     92857T107      244     5895 SH       OTHER                  5895        0        0
XL CAPITAL LTD CLASS A         COMMON STOCK     G98255105     8343   154151 SH       DEFINED              154151        0        0
XL CAPITAL LTD CLASS A         COMMON STOCK     G98255105       67     1244 SH       OTHER                  1244        0        0
BATTLE MOUNTAIN GOLD CONV-PFD  PREFERRED STOCK  071593305        3      100 SH       DEFINED             N.A.     N.A.     N.A.
HSBC BANK PLC SPONS ADR SER C  PREFERRED STOCK  44328M815       35     1500 SH       OTHER               N.A.     N.A.     N.A.
HSBC BANK PLC SPONS ADR SER D  PREFERRED STOCK  44328M849       49     2000 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STANLEY PLC 8.20% SERIE PREFERRED STOCK  616906707       49     2000 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STANLEY PLC 8.20% SERIE PREFERRED STOCK  616906707       49     2000 SH       OTHER               N.A.     N.A.     N.A.
ROYAL BK SCOTLAND GRP 8.5% SER PREFERRED STOCK  780097804        9      400 SH       DEFINED             N.A.     N.A.     N.A.
EL PASO ENERGY CAP I 4.75% CON PREFERRED STOCK  283678209      792    12300 SH       DEFINED             N.A.     N.A.     N.A.
PRIME RETAIL 8.5% SER B CONV P PREFERRED STOCK  741570303        1      120 SH       DEFINED             N.A.     N.A.     N.A.
ROYAL BK SCOTLAND 9.125% SER D PREFERRED STOCK  780097606        9      400 SH       DEFINED             N.A.     N.A.     N.A.
SEALED AIR CORP NEW SER A $2 P PREFERRED STOCK  81211K209     1023    20216 SH       DEFINED             N.A.     N.A.     N.A.
SEALED AIR CORP NEW SER A $2 P PREFERRED STOCK  81211K209       71     1406 SH       OTHER               N.A.     N.A.     N.A.
WENDYS FINANCING I 5.0% A CONV PREFERRED STOCK  950588202      365     8100 SH       DEFINED             N.A.     N.A.     N.A.
ATMEL CORP CONV ZERO CPN     4 OTHER            049513AC8       14    13000 PRN      DEFINED             N.A.     N.A.     N.A.
HEWLETT PACKARD CO ZERO CPN 10 OTHER            428236AC7        9    10000 PRN      DEFINED             N.A.     N.A.     N.A.
KERR MCGEE CORP CONV   7.5%  5 OTHER            492386AL1        9     9000 PRN      DEFINED             N.A.     N.A.     N.A.
NORAM ENERGY CORP        6%  3 OTHER            655419AC3      174   200000 PRN      OTHER               N.A.     N.A.     N.A.
US CELLULAR CORP ZERO CPN    6 OTHER            911684AA6        6    11000 PRN      DEFINED             N.A.     N.A.     N.A.
ADAMS EXPRESS CO               OTHER            006212104       13      360 SH       DEFINED             N.A.     N.A.     N.A.
DUFF & PHELPS UTILS INCOME INC OTHER            264324104       91     9437 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.
EQUITY INCOME FD UNIT 1ST EXCH OTHER            294700703      890     5100 SH       OTHER               N.A.     N.A.     N.A.
FIRST FINANCIAL FUND           OTHER            320228109        1      159 SH       DEFINED             N.A.     N.A.     N.A.
FIRST FINANCIAL FUND           OTHER            320228109        6      697 SH       OTHER               N.A.     N.A.     N.A.
FIRST ISRAEL FUND INC          OTHER            32063L100       72     4000 SH       DEFINED             N.A.     N.A.     N.A.
GABELLI EQUITY TRUST INC COM   OTHER            362397101       12     1023 SH       DEFINED             N.A.     N.A.     N.A.
GABELLI GLOBAL MULTIMEDIA TRUS OTHER            36239Q109        2      125 SH       DEFINED             N.A.     N.A.     N.A.
GABELLI UTILITY TRUST COM      OTHER            36240A101        1      102 SH       DEFINED             N.A.     N.A.     N.A.
JOHN HANCOCK PATRIOT PREM DIV  OTHER            41013T105       19     2000 SH       OTHER               N.A.     N.A.     N.A.
LATIN AMERICAN INVESTMENT FD I OTHER            518279104       24     1643 SH       DEFINED             N.A.     N.A.     N.A.
MALAYSIA FD INC                OTHER            560905101      111    23000 SH       OTHER               N.A.     N.A.     N.A.
MORG STNLY DEAN WTER ASIA-PAC  OTHER            61744U106       82     8000 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STNLY DEAN WTER INDIA I OTHER            61745C105      222    18500 SH       DEFINED             N.A.     N.A.     N.A.
PETROLEUM & RESOURCES CORP COM OTHER            716549100        4      116 SH       DEFINED             N.A.     N.A.     N.A.
SALOMON BROTHERS FUND INC COM  OTHER            795477108       10      562 SH       OTHER               N.A.     N.A.     N.A.
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      337    13335 SH       DEFINED             N.A.     N.A.     N.A.
ZWEIG FUND INC COM             OTHER            989834106        4      400 SH       OTHER               N.A.     N.A.     N.A.
ACM GOVERNMENT INCOME FUND INC OTHER            000912105      113    15666 SH       DEFINED             N.A.     N.A.     N.A.
ACM GOVERNMENT SECURITIES FUND OTHER            000914101       63     9000 SH       OTHER               N.A.     N.A.     N.A.
ALL AMERICAN TERM TRUST INC    OTHER            016440109       30     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       48     5000 SH       OTHER               N.A.     N.A.     N.A.
CIGNA INVTS SECS INC COM       OTHER            17179X106       67     4500 SH       DEFINED             N.A.     N.A.     N.A.
HYPERION TOTAL RETURN FUND INC OTHER            449145101       33     4200 SH       DEFINED             N.A.     N.A.     N.A.
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       26     1600 SH       DEFINED             N.A.     N.A.     N.A.
PACHOLDER HIGH YIELD FUND INC  OTHER            693742108      165    13325 SH       DEFINED             N.A.     N.A.     N.A.
PILGRIM PRIME RATE TRUST       OTHER            72146W103       18     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      137    12500 SH       DEFINED             N.A.     N.A.     N.A.
PUTNAM MASTER INTER INCOME TRU OTHER            746909100      159    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.
PUTNAM PREMIER INCOME TRUST SB OTHER            746853100       10     1606 SH       DEFINED             N.A.     N.A.     N.A.
SALOMON BROTHERS HIGH INCOME F OTHER            794907105        3      250 SH       DEFINED             N.A.     N.A.     N.A.
TEMPLETON GLOBAL INCOME FUND I OTHER            880198106        6     1000 SH       OTHER               N.A.     N.A.     N.A.
VAN KAMPEN BOND FUND INC., COM OTHER            920955101       25     1500 SH       DEFINED             N.A.     N.A.     N.A.
VAN KAMPEN CAPITAL SENIOR INC  OTHER            920961109       85    10100 SH       DEFINED             N.A.     N.A.     N.A.
VESTAUR SECURITIES INC         OTHER            925464109       54     4500 SH       DEFINED             N.A.     N.A.     N.A.
ACM MUNICIPAL SECS INCOME FD I OTHER            000942102       17     1500 SH       DEFINED             N.A.     N.A.     N.A.
BLACKROCK INSD MUN 2008 TERM T OTHER            09247K109      104     7365 SH       DEFINED             N.A.     N.A.     N.A.
BLACKROCK INSD MUN 2008 TERM T OTHER            09247K109       24     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       14     1859 SH       DEFINED             N.A.     N.A.     N.A.
DREYFUS STRATEGIC MUNI BOND FU OTHER            26202F107      164    20288 SH       DEFINED             N.A.     N.A.     N.A.
DREYFUS STRATEGIC MUNICIPALS I OTHER            261932107      152    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       16     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      196    26171 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STAN DEAN WITT INSD MUN OTHER            61745P791        9      666 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STAN DEAN WITT INSD MUN OTHER            61745P866       26     1838 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STAN DEAN WITT INSD MUN OTHER            61745P866      113     8000 SH       OTHER               N.A.     N.A.     N.A.
MORGAN STAN DEAN WITTER MUNI I OTHER            61745P478        9     1027 SH       DEFINED             N.A.     N.A.     N.A.
MSDW MUNICIPAL PREMIUM INCOME  OTHER            61745P429       20     2465 SH       DEFINED             N.A.     N.A.     N.A.
MSDW QUALTIY MUNICIPAL INCOME  OTHER            61745P734       23     1660 SH       DEFINED             N.A.     N.A.     N.A.
MUNIENHANCED FUND INC COM      OTHER            626243109       19     2000 SH       OTHER               N.A.     N.A.     N.A.
MUNIVEST FUND INC COM          OTHER            626295109       19     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       25     2000 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN INSD MUN OPPORTUNITY FD OTHER            670984103       84     6460 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INSD MUN OPPORTUNITY FD OTHER            670984103       17     1288 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN INSD PREM INCOME MUN FD OTHER            6706D8104       45     4000 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INSD PREM INCOME MUN FD OTHER            6706D8104       19     1692 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN INSD QUALITY MUNICIPAL  OTHER            67062N103       73     5554 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INSD QUALITY MUNICIPAL  OTHER            67062N103       22     1710 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN INVT QUALITY MUN FD INC OTHER            67062E103       72     5718 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INVT QUALITY MUN FD INC OTHER            67062E103       19     1500 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN MUNI ADVANTAGE FUND INC OTHER            67062H106       13     1000 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNI MKT OPPORTUNITY FU OTHER            67062W103      201    15505 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNI MKT OPPORTUNITY FU OTHER            67062W103       39     3000 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN MUNICIPAL INCOME FUND   OTHER            67062J102       17     1500 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNICIPAL VALUE FUND IN OTHER            670928100      354    41983 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNICIPAL VALUE FUND IN OTHER            670928100       17     2000 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN PERFORMANCE PLUS MUN FD OTHER            67062P108      181    15100 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PREM INCOME MUN FD 2 IN OTHER            67063W102      119     9030 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PREMIER INSURED MUNI IN OTHER            670987106       29     2234 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PREMIER MUN INCOME FD I OTHER            670988104       10      769 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PREMIUM INCOME MUN FD I OTHER            67062T100       74     6166 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PREMIUM INCOME MUN FD I OTHER            67062T100        8      700 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN PREMIUM INCOME MUNICIPA OTHER            6706K4105       22     1800 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN QUALITY INCOME MUN FD I OTHER            670977107       36     2700 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN SELECT MATURITIES MUNI  OTHER            67061T101       42     4000 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN SELECT QUALITY MUN FD I OTHER            670973106      120     9255 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN SELECT QUALITY MUN FD I OTHER            670973106       57     4429 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN SELECT TAX FREE INCOME  OTHER            67063X100       23     1727 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN SELECT TAX FREE INCOME  OTHER            67063C106       45     3250 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN SELECT TAX FREE INCOME  OTHER            67063C106       47     3370 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN SELECT TAX-FREE INCOME  OTHER            67062F100       60     4200 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN TEX QUALITY INCOME MUN  OTHER            670983105      225    17667 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN TEX QUALITY INCOME MUN  OTHER            670983105       33     2575 SH       OTHER               N.A.     N.A.     N.A.
SELIGMAN SELECT MUNICIPAL FUND OTHER            816344105       12     1250 SH       DEFINED             N.A.     N.A.     N.A.
VAN KAMPEN CALIFORNIA QUAL MUN OTHER            920920105       15     1000 SH       OTHER               N.A.     N.A.     N.A.
VAN KAMPEN MUNICIPAL OPPORTUNI OTHER            920935103        9      670 SH       DEFINED             N.A.     N.A.     N.A.
VAN KAMPEN MUNICIPAL TRUST     OTHER            920919107       99     7410 SH       DEFINED             N.A.     N.A.     N.A.
GABELLI CONVERTIBLE SECURITIES OTHER            36240B109       27     2814 SH       DEFINED             N.A.     N.A.     N.A.
HANCOCK JOHN INVESTORS TRUST   OTHER            410142103       26     1500 SH       DEFINED             N.A.     N.A.     N.A.
MEXICO EQUITY & INCOME FUND CO OTHER            592834105        8      765 SH       DEFINED             N.A.     N.A.     N.A.
ZWEIG TOTAL RETURN FUND        OTHER            989837109        2      298 SH       DEFINED             N.A.     N.A.     N.A.
MESA OFFSHORE TR               OTHER            590650107        0     1000 SH       DEFINED                1000        0        0
AMERICAN REAL ESTATE PARTNERS  OTHER            029169109       26     2819 SH       DEFINED                2819        0        0
BUCKEYE PARTNERS L P UNIT      OTHER            118230101      842    31398 SH       DEFINED               31398        0        0
BUCKEYE PARTNERS L P UNIT      OTHER            118230101       48     1800 SH       OTHER                     0     1200      600
CEDAR FAIR L P                 OTHER            150185106       23     1200 SH       OTHER                     0      800      400
DORCHESTER HUGOTON LTD DEP RCP OTHER            258205202       23     1600 SH       DEFINED                1600        0        0
EL PASO ENERGY PARTNERS L P CO OTHER            28368B102       49     2000 SH       OTHER                     0        0     2000
EOTT ENERGY PARTNERS L P       OTHER            294103106       43     3000 SH       DEFINED                3000        0        0
KINDER MORGAN ENERGY PARTNERS  OTHER            494550106      112     2800 SH       OTHER                  2000        0      800
NORTHERN BORDER PARTNERS L P   OTHER            664785102       27     1000 SH       OTHER                  1000        0        0
SABINE ROYALTY TRUST UNITS BEN OTHER            785688102      112     6950 SH       DEFINED                6850        0      100
SABINE ROYALTY TRUST UNITS BEN OTHER            785688102       80     5000 SH       OTHER                  5000        0        0
SAN JUAN BASIN RTY TR UNIT BEN OTHER            798241105       77     7700 SH       DEFINED                7700        0        0
SAN JUAN BASIN RTY TR UNIT BEN OTHER            798241105       17     1650 SH       OTHER                     0     1650        0
TEPPCO PARTNERS L P UNIT LTD P OTHER            872384102       71     3000 SH       DEFINED                3000        0        0
</TABLE>


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