UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 12/31/99
CHECK HERE IF AMENDMENT ( ); AMENDMENT NUMBER:
THIS AMENDMENT (CHECK ONLY ONE.): ( ) IS A RESTATEMENT.
( ) ADDS NEW HOLDINGS ENTRIES
INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT:
NAME: JEANIE WYATT
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 2/11/00
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: 1469
FORM 13F INFORMATION TABLE VALUE TOTAL: $2,368,948
<PAGE>
<TABLE>
<CAPTION>
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
H KEMPNER CERT OF BENE INTERES COMMON STOCK 999999998 19066 13503 SH DEFINED 13302 0 201
H KEMPNER CERT OF BENE INTERES COMMON STOCK 999999998 983 696 SH OTHER 0 0 696
A T & T CORP COM * COMMON STOCK 001957109 19920 392026 SH DEFINED 385024 180 6822
A T & T CORP COM * COMMON STOCK 001957109 1197 23556 SH OTHER 19098 4458 0
ABBOTT LABORATORIES COM * COMMON STOCK 002824100 5451 150118 SH DEFINED 146318 0 3800
ABBOTT LABORATORIES COM * COMMON STOCK 002824100 1908 52550 SH OTHER 24350 21800 6400
ABC-NACO INC CORP COM COMMON STOCK 000752105 238 28800 SH DEFINED 28800 0 0
ABGENIX INC COM COMMON STOCK 00339B107 115 865 SH DEFINED 865 0 0
ADC TELECOMMUNICATIONS INC COM COMMON STOCK 000886101 7 100 SH DEFINED 100 0 0
ADVANTAGE LEARNING SYSTEMS INC COMMON STOCK 00757K100 6 550 SH DEFINED 550 0 0
AETNA INC COM COMMON STOCK 008117103 33 600 SH DEFINED 600 0 0
AETNA INC COM COMMON STOCK 008117103 17 300 SH OTHER 0 300 0
AFLAC INC COM * COMMON STOCK 001055102 2062 43700 SH DEFINED 43700 0 0
AFLAC INC COM * COMMON STOCK 001055102 354 7500 SH OTHER 7500 0 0
AGCO CORP COM COMMON STOCK 001084102 10090 750909 SH DEFINED 722578 0 28331
AGCO CORP COM COMMON STOCK 001084102 87 6466 SH OTHER 6466 0 0
AGILENT TECHNOLOGIES INC COM COMMON STOCK 00846U101 15 200 SH OTHER 200 0 0
AGRIBRANDS INTL INC COMMON STOCK 00849R105 6 120 SH DEFINED 120 0 0
AIR EXPRESS INTERNATIONAL CORP COMMON STOCK 009104100 53 1650 SH DEFINED 1650 0 0
AIR PRODUCTS & CHEMICALS INC C COMMON STOCK 009158106 870 25920 SH DEFINED 25920 0 0
AIR PRODUCTS & CHEMICALS INC C COMMON STOCK 009158106 460 13700 SH OTHER 13700 0 0
ALBERTSON'S INC COM * COMMON STOCK 013104104 1391 43128 SH DEFINED 43128 0 0
ALBERTSON'S INC COM * COMMON STOCK 013104104 135 4200 SH OTHER 4200 0 0
ALCOA INC COM COMMON STOCK 013817101 911 10979 SH DEFINED 10179 0 800
ALLEGHENY ENERGY INC COM COMMON STOCK 017361106 187 6950 SH DEFINED 6950 0 0
ALLEGHENY ENERGY INC COM COMMON STOCK 017361106 27 1000 SH OTHER 0 1000 0
ALLEGHENY TECHNOLOGIES INC COM COMMON STOCK 01741R102 9 393 SH DEFINED 393 0 0
ALLIANT ENERGY CORP COMMON STOCK 018802108 104 3785 SH DEFINED 3500 0 285
ALLIED RISER COMMUNICATIONS CO COMMON STOCK 019496108 5 250 SH DEFINED 250 0 0
ALLSTATE CORP COM COMMON STOCK 020002101 1482 61605 SH DEFINED 57582 0 4023
ALLSTATE CORP COM COMMON STOCK 020002101 219 9108 SH OTHER 5108 0 4000
ALLTEL CORP COM * COMMON STOCK 020039103 87206 1054648 SH DEFINED 1045240 0 9408
ALLTEL CORP COM * COMMON STOCK 020039103 4294 51936 SH OTHER 51157 779 0
ALTERA CORP COM * COMMON STOCK 021441100 5139 103695 SH DEFINED 99695 0 4000
ALTERA CORP COM * COMMON STOCK 021441100 45 900 SH OTHER 900 0 0
AMAZON.COM INC COMMON STOCK 023135106 10 125 SH DEFINED 125 0 0
AMERADA HESS CORP COM COMMON STOCK 023551104 0 2 SH DEFINED 2 0 0
AMEREN CORP COM COMMON STOCK 023608102 41 1250 SH DEFINED 1250 0 0
AMEREN CORP COM COMMON STOCK 023608102 9 275 SH OTHER 0 275 0
AMERICA ONLINE INC DEL COM COMMON STOCK 02364J104 852 11229 SH DEFINED 10207 0 1022
AMERICA ONLINE INC DEL COM COMMON STOCK 02364J104 30 400 SH OTHER 400 0 0
AMERICAN BINGO & GAMING COM COMMON STOCK 024596108 0 200 SH DEFINED 200 0 0
AMERICAN ELECTRIC POWER INC CO COMMON STOCK 025537101 503 15665 SH DEFINED 15665 0 0
AMERICAN ELECTRIC POWER INC CO COMMON STOCK 025537101 9 274 SH OTHER 274 0 0
AMERICAN EXPRESS CO COM * COMMON STOCK 025816109 9490 57084 SH DEFINED 55734 700 650
AMERICAN EXPRESS CO COM * COMMON STOCK 025816109 885 5322 SH OTHER 5322 0 0
AMERICAN GENERAL CORP COM * COMMON STOCK 026351106 15862 209055 SH DEFINED 204605 0 4450
AMERICAN GENERAL CORP COM * COMMON STOCK 026351106 1151 15175 SH OTHER 14425 750 0
AMERICAN GREETINGS CORP CLASS COMMON STOCK 026375105 376 15907 SH DEFINED 15907 0 0
AMERICAN HOME PRODUCTS CORP CO COMMON STOCK 026609107 5869 149539 SH DEFINED 148029 0 1510
AMERICAN HOME PRODUCTS CORP CO COMMON STOCK 026609107 1072 27310 SH OTHER 17710 9600 0
AMERICAN INT'L GROUP INC COM * COMMON STOCK 026874107 17639 163138 SH DEFINED 158731 0 4407
AMERICAN INT'L GROUP INC COM * COMMON STOCK 026874107 1297 11993 SH OTHER 11150 0 843
AMERICAN NATIONAL INSURANCE CO COMMON STOCK 028591105 473 7427 SH DEFINED 3200 0 4227
AMERICAN POWER CONVERSION CORP COMMON STOCK 029066107 541 20525 SH DEFINED 20525 0 0
AMERICAN POWER CONVERSION CORP COMMON STOCK 029066107 69 2630 SH OTHER 2630 0 0
AMERICAN RETIREMENT CORP COM COMMON STOCK 028913101 8 1000 SH DEFINED 1000 0 0
AMERICAN STATES WATER CO COM COMMON STOCK 029899101 11 300 SH DEFINED 0 0 300
AMES DEPARTMENT STORES INC COM COMMON STOCK 030789507 951 33000 SH DEFINED 33000 0 0
AMFM INC COM COMMON STOCK 001693100 51 656 SH DEFINED 300 0 356
AMGEN INC COM * COMMON STOCK 031162100 3443 57330 SH DEFINED 57330 0 0
AMGEN INC COM * COMMON STOCK 031162100 144 2400 SH OTHER 2400 0 0
AMLI RESIDENTIAL PROPERTIES TR COMMON STOCK 001735109 22 1100 SH DEFINED 1100 0 0
AMR CORP DELAWARE COM COMMON STOCK 001765106 229 3425 SH DEFINED 3425 0 0
AMRESCO INC COM COMMON STOCK 031909104 0 200 SH DEFINED 200 0 0
AMSOUTH BANCORPORATION INC COM COMMON STOCK 032165102 169 8756 SH DEFINED 0 0 8756
AMSOUTH BANCORPORATION INC COM COMMON STOCK 032165102 95 4920 SH OTHER 4920 0 0
ANADARKO PETROLEUM CORP COM COMMON STOCK 032511107 55 1625 SH DEFINED 1625 0 0
ANADARKO PETROLEUM CORP COM COMMON STOCK 032511107 10 280 SH OTHER 80 0 200
ANCHOR GAMING COM COMMON STOCK 033037102 765 17600 SH DEFINED 17600 0 0
ANDOVER.NET INC COM COMMON STOCK 034318105 4 100 SH DEFINED 100 0 0
ANDREW CORP COM * COMMON STOCK 034425108 1395 73640 SH DEFINED 73640 0 0
ANDREW CORP COM * COMMON STOCK 034425108 196 10345 SH OTHER 10345 0 0
ANDRX CORP COM COMMON STOCK 034551101 42 1000 SH OTHER 1000 0 0
ANHEUSER BUSCH COS INC COM * COMMON STOCK 035229103 7921 111754 SH DEFINED 107754 0 4000
ANHEUSER BUSCH COS INC COM * COMMON STOCK 035229103 393 5550 SH OTHER 5550 0 0
AON CORP COM COMMON STOCK 037389103 68 1695 SH DEFINED 0 1695 0
APACHE CORP COM COMMON STOCK 037411105 90 2448 SH DEFINED 1350 0 1098
APACHE CORP COM COMMON STOCK 037411105 4 100 SH OTHER 0 0 100
APEX INC COM COMMON STOCK 037548104 1138 35300 SH DEFINED 35300 0 0
APOLLO GROUP INC CLASS A COMMON STOCK 037604105 642 32000 SH DEFINED 32000 0 0
APPLE COMPUTER INC COM COMMON STOCK 037833100 103 1000 SH DEFINED 1000 0 0
APPLIED MATERIALS INC COM * COMMON STOCK 038222105 2774 21900 SH DEFINED 21400 0 500
APPLIED MATERIALS INC COM * COMMON STOCK 038222105 172 1360 SH OTHER 1360 0 0
APPLIED POWER INC CLASS A COMMON STOCK 038225108 823 22400 SH DEFINED 22400 0 0
APPLIX INC COM COMMON STOCK 038316105 5 250 SH DEFINED 250 0 0
ARCHER DANIELS MIDLAND CO COM COMMON STOCK 039483102 56 4630 SH DEFINED 4630 0 0
ARCHSTONE COMMUNITIES TRUST SB COMMON STOCK 039581103 1171 57145 SH DEFINED 55545 0 1600
ARCHSTONE COMMUNITIES TRUST SB COMMON STOCK 039581103 249 12128 SH OTHER 12128 0 0
ARDEN REALTY GROUP INC COM COMMON STOCK 039793104 14 700 SH DEFINED 0 0 700
ARGONAUT GROUP INC COM COMMON STOCK 040157109 3 142 SH DEFINED 142 0 0
ARIBA INC COM COMMON STOCK 04033V104 27 150 SH DEFINED 150 0 0
ARVIN INDUSTRIES INC COM COMMON STOCK 043339100 5 162 SH DEFINED 162 0 0
ASD SYSTEMS INC COM COMMON STOCK 00207W100 2 100 SH DEFINED 100 0 0
ASHLAND INC COM COMMON STOCK 044204105 182 5530 SH DEFINED 5530 0 0
ASPEN TECHNOLOGY INC COM (DEL) COMMON STOCK 045327103 26 1000 SH DEFINED 0 0 1000
ASSOCIATED BANC CORP COM COMMON STOCK 045487105 394 11500 SH DEFINED 11500 0 0
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 1147 41798 SH DEFINED 41798 0 0
AT HOME CORP SERIES A COMMON STOCK 045919107 108 2509 SH DEFINED 2509 0 0
AT HOME CORP SERIES A COMMON STOCK 045919107 36 832 SH OTHER 832 0 0
AT&T CORP COM LIBERTY MEDIA GR COMMON STOCK 001957208 1664 29282 SH DEFINED 29282 0 0
AT&T CORP COM LIBERTY MEDIA GR COMMON STOCK 001957208 19 340 SH OTHER 340 0 0
ATLANTIC RICHFIELD CO COM * COMMON STOCK 048825103 2036 23538 SH DEFINED 23488 0 50
ATLANTIC RICHFIELD CO COM * COMMON STOCK 048825103 472 5452 SH OTHER 2512 640 2300
ATMOS ENERGY CORP COM COMMON STOCK 049560105 3560 174195 SH DEFINED 168420 0 5775
ATMOS ENERGY CORP COM COMMON STOCK 049560105 33 1616 SH OTHER 1616 0 0
ATRIX LABORATORIES INC COM COMMON STOCK 04962L101 3 500 SH DEFINED 0 0 500
AUSPEX SYSTEMS INC COM COMMON STOCK 052116100 10 1000 SH DEFINED 1000 0 0
AUTOLIV INC COM COMMON STOCK 052800109 24 818 SH OTHER 0 818 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 3135 58184 SH DEFINED 58184 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 269 5000 SH OTHER 3800 1200 0
AUTOZONE INC COM COMMON STOCK 053332102 19 600 SH OTHER 600 0 0
AVERY DENNISON CORP COM * COMMON STOCK 053611109 22177 304316 SH DEFINED 296466 2000 5850
AVERY DENNISON CORP COM * COMMON STOCK 053611109 1866 25607 SH OTHER 24682 925 0
AVISTA CORP COM COMMON STOCK 05379B107 2 100 SH DEFINED 100 0 0
AVNET INC COM COMMON STOCK 053807103 155 2560 SH DEFINED 2560 0 0
AVON PRODUCTS INC COM COMMON STOCK 054303102 39 1175 SH DEFINED 1175 0 0
AVON PRODUCTS INC COM COMMON STOCK 054303102 53 1600 SH OTHER 1600 0 0
AXA FINANCIAL INC COM COMMON STOCK 002451102 2 64 SH DEFINED 64 0 0
AZTEC MANUFACTURING COMPANY CO COMMON STOCK 054825104 1 111 SH DEFINED 111 0 0
BAIRNCO CORP COM COMMON STOCK 057097107 2 313 SH DEFINED 313 0 0
BAKER HUGHES INC COM * COMMON STOCK 057224107 1019 48382 SH DEFINED 48382 0 0
BAKER HUGHES INC COM * COMMON STOCK 057224107 70 3342 SH OTHER 3342 0 0
BALL CORP COM COMMON STOCK 058498106 79 2000 SH OTHER 0 2000 0
BANCWEST CORP COM COMMON STOCK 059790105 425 21800 SH DEFINED 21800 0 0
BANK OF AMERICA CORP COM * COMMON STOCK 060505104 3402 67791 SH DEFINED 67791 0 0
BANK OF AMERICA CORP COM * COMMON STOCK 060505104 107 2132 SH OTHER 2132 0 0
BANK OF NEW YORK INC COM COMMON STOCK 064057102 80 2000 SH DEFINED 2000 0 0
BANK OF NEW YORK INC COM COMMON STOCK 064057102 284 7095 SH OTHER 0 7095 0
BANK ONE CORP COM* COMMON STOCK 06423A103 1185 37037 SH DEFINED 25386 0 11651
BANK ONE CORP COM* COMMON STOCK 06423A103 285 8910 SH OTHER 0 8910 0
BARD C. R. INC COM COMMON STOCK 067383109 318 6000 SH DEFINED 6000 0 0
BASIN EXPLORATION INC COM COMMON STOCK 070107107 865 49100 SH DEFINED 49100 0 0
BASIN EXPLORATION INC COM COMMON STOCK 070107107 18 1000 SH OTHER 1000 0 0
BATTLE MOUNTAIN GOLD COM COMMON STOCK 071593107 1 675 SH OTHER 675 0 0
BAXTER INTERNATIONAL INC COM * COMMON STOCK 071813109 10533 167687 SH DEFINED 163687 0 4000
BAXTER INTERNATIONAL INC COM * COMMON STOCK 071813109 136 2171 SH OTHER 1361 810 0
BAY BANCSHARES INC COM COMMON STOCK 07203N109 116 6485 SH DEFINED 6485 0 0
BE FREE INC COM COMMON STOCK 073308108 4 50 SH DEFINED 50 0 0
BECTON DICKINSON & CO COM * COMMON STOCK 075887109 956 35505 SH DEFINED 35505 0 0
BECTON DICKINSON & CO COM * COMMON STOCK 075887109 400 14840 SH OTHER 14840 0 0
BED BATH & BEYOND INC COM COMMON STOCK 075896100 45 1300 SH DEFINED 1300 0 0
BELL ATLANTIC CORP COM * COMMON STOCK 077853109 8392 136316 SH DEFINED 134258 0 2058
BELL ATLANTIC CORP COM * COMMON STOCK 077853109 1145 18594 SH OTHER 17242 0 1352
BELLSOUTH CORP COM * COMMON STOCK 079860102 5914 126333 SH DEFINED 124801 0 1532
BELLSOUTH CORP COM * COMMON STOCK 079860102 865 18482 SH OTHER 17754 728 0
BELLWETHER EXPLORATION CO COM COMMON STOCK 079895207 17 3625 SH DEFINED 3000 0 625
BELO A. H. CORP CLASS A COMMON STOCK 080555105 1247 65436 SH DEFINED 65436 0 0
BEMIS INC COM* COMMON STOCK 081437105 394 11285 SH DEFINED 11285 0 0
BEMIS INC COM* COMMON STOCK 081437105 209 6000 SH OTHER 0 6000 0
BENCHMARK ELECTRONICS INC COM COMMON STOCK 08160H101 46 2000 SH DEFINED 2000 0 0
BENTON OIL & GAS CO COM COMMON STOCK 083288100 2 1000 SH OTHER 0 0 1000
BERGEN BRUNSWIG CORP CLASS A COMMON STOCK 083739102 21 2500 SH DEFINED 2500 0 0
BERKSHIRE HATHAWAY INC CLASS B COMMON STOCK 084670207 642 351 SH DEFINED 350 0 1
BERKSHIRE HATHAWAY INC CLASS B COMMON STOCK 084670207 143 78 SH OTHER 73 0 5
BERKSHIRE HATHAWAY INC DEL CL COMMON STOCK 084670108 112 2 SH DEFINED 0 0 2
BEST BUY COMPANY INC COM COMMON STOCK 086516101 15 300 SH OTHER 300 0 0
BESTFOODS COM * COMMON STOCK 08658U101 1058 20136 SH DEFINED 20136 0 0
BESTFOODS COM * COMMON STOCK 08658U101 105 2000 SH OTHER 700 0 1300
BILLING CONCEPTS CORP COM COMMON STOCK 090063108 23 3600 SH DEFINED 3600 0 0
BIOGEN INC COM COMMON STOCK 090597105 177 2100 SH DEFINED 2100 0 0
BIOMATRIX INC COM COMMON STOCK 09060P102 29 1500 SH DEFINED 1500 0 0
BIOMET INC COM COMMON STOCK 090613100 4 100 SH DEFINED 100 0 0
BLACK HILLS CORP COM COMMON STOCK 092113109 20 900 SH DEFINED 900 0 0
BLOCK H & R INC COM COMMON STOCK 093671105 184 4200 SH DEFINED 4000 0 200
BMC INDUSTRIES INC MINN COM COMMON STOCK 055607105 0 100 SH DEFINED 100 0 0
BMC SOFTWARE INC COM* COMMON STOCK 055921100 18849 235792 SH DEFINED 231322 0 4470
BMC SOFTWARE INC COM* COMMON STOCK 055921100 690 8633 SH OTHER 7983 650 0
BOEING CO COM * COMMON STOCK 097023105 1015 24506 SH DEFINED 24006 0 500
BOEING CO COM * COMMON STOCK 097023105 80 1942 SH OTHER 1942 0 0
BOISE CASCADE CORP COM COMMON STOCK 097383103 6 158 SH DEFINED 158 0 0
BOK FINANCIAL CORP COM COMMON STOCK 05561Q201 21 1060 SH DEFINED 1060 0 0
BORDERS GROUP INC COM COMMON STOCK 099709107 6 355 SH DEFINED 355 0 0
BOSTON SCIENTIFIC CORP COM COMMON STOCK 101137107 9 400 SH OTHER 400 0 0
BOYKIN LODGING CO COM COMMON STOCK 103430104 12 1100 SH DEFINED 1100 0 0
BRE PROPERTIES INC CLASS A COMMON STOCK 05564E106 11 500 SH DEFINED 500 0 0
BRISTOL-MYERS SQUIBB CO COM * COMMON STOCK 110122108 16081 250525 SH DEFINED 243825 0 6700
BRISTOL-MYERS SQUIBB CO COM * COMMON STOCK 110122108 1249 19463 SH OTHER 18863 600 0
BROADVISION INC COM COMMON STOCK 111412102 272 1600 SH DEFINED 100 0 1500
BROWN SHOE INC NEW COM COMMON STOCK 115736100 127 9000 SH DEFINED 9000 0 0
BROWN-FORMAN CORP CLASS B COMMON STOCK 115637209 66 1160 SH DEFINED 1160 0 0
BUILDING MATERIALS HOLDING COR COMMON STOCK 120113105 457 44600 SH DEFINED 44600 0 0
BURLINGTON INDUSTRIES INC NEW COMMON STOCK 121693105 1 260 SH DEFINED 260 0 0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK 12189T104 437 18027 SH DEFINED 18027 0 0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK 12189T104 225 9264 SH OTHER 7264 2000 0
BURLINGTON RESOURCES INC COM COMMON STOCK 122014103 53 1598 SH DEFINED 1598 0 0
BURLINGTON RESOURCES INC COM COMMON STOCK 122014103 72 2191 SH OTHER 0 871 1320
BURR BROWN CORP COM COMMON STOCK 122574106 1075 29750 SH DEFINED 29750 0 0
CADENCE DESIGN SYSTEM INC COM COMMON STOCK 127387108 8 317 SH DEFINED 317 0 0
CADENCE DESIGN SYSTEM INC COM COMMON STOCK 127387108 8 317 SH OTHER 317 0 0
CAMDEN PROPERTY TRUST SBI COMMON STOCK 133131102 245 8828 SH DEFINED 8828 0 0
CAMDEN PROPERTY TRUST SBI COMMON STOCK 133131102 37 1340 SH OTHER 0 640 700
CAMPBELL SOUP CO COM * COMMON STOCK 134429109 98 2525 SH DEFINED 2525 0 0
CAMPBELL SOUP CO COM * COMMON STOCK 134429109 104 2676 SH OTHER 900 1776 0
CAPITAL AUTOMOTIVE REIT COMMON STOCK 139733109 9582 786222 SH DEFINED 754121 0 32101
CAPITAL AUTOMOTIVE REIT COMMON STOCK 139733109 79 6498 SH OTHER 6498 0 0
CAPITAL ONE FINANCIAL CORP COM COMMON STOCK 14040H105 154 3200 SH DEFINED 3200 0 0
CAPROCK COMMUNICATIONS CORP CO COMMON STOCK 140667106 15 450 SH DEFINED 450 0 0
CAPSTEAD MORTGAGE CORP COM COMMON STOCK 14067E100 5 1150 SH DEFINED 1150 0 0
CARDINAL HEALTH INC COM COMMON STOCK 14149Y108 29 600 SH OTHER 600 0 0
CARDIODYNAMICS INTERNATIONAL C COMMON STOCK 141597104 4 675 SH DEFINED 675 0 0
CAREMATRIX CORP COM COMMON STOCK 141706101 3 1000 SH DEFINED 1000 0 0
CAREY DIVERSIFIED LLC COM COMMON STOCK 14174P105 17 1000 SH DEFINED 1000 0 0
CARNIVAL CORPORATION COM* COMMON STOCK 143658102 2861 59835 SH DEFINED 57835 2000 0
CARNIVAL CORPORATION COM* COMMON STOCK 143658102 1324 27690 SH OTHER 27690 0 0
CAROLINA POWER & LIGHT CO COM COMMON STOCK 144141108 64 2100 SH DEFINED 2100 0 0
CAROLINA POWER & LIGHT CO COM COMMON STOCK 144141108 16 512 SH OTHER 512 0 0
CASH AMERICA INTERNATIONAL INC COMMON STOCK 14754D100 757 77670 SH OTHER 77670 0 0
CASTLE & COOKE INC NEW COM COMMON STOCK 148433105 1 44 SH DEFINED 44 0 0
CATERPILLAR INC COM * COMMON STOCK 149123101 862 18325 SH DEFINED 17425 0 900
CATERPILLAR INC COM * COMMON STOCK 149123101 290 6152 SH OTHER 4200 1852 100
CBS CORP COM COMMON STOCK 12490K107 1944 30400 SH DEFINED 30000 0 400
CBS CORP COM COMMON STOCK 12490K107 171 2675 SH OTHER 2675 0 0
CEC ENTERTAINMENT INC COM COMMON STOCK 125137109 418 14800 SH DEFINED 14800 0 0
CELADON GROUP INC COM COMMON STOCK 150838100 35 6000 SH DEFINED 6000 0 0
CELESTIAL SEASONINGS INC COM COMMON STOCK 151016102 473 25400 SH DEFINED 25400 0 0
CENDANT CORP COM COMMON STOCK 151313103 789 29710 SH DEFINED 29710 0 0
CENTRAL & SOUTH WEST CORP COM COMMON STOCK 152357109 734 36698 SH DEFINED 36698 0 0
CENTRAL & SOUTH WEST CORP COM COMMON STOCK 152357109 132 6600 SH OTHER 6600 0 0
CENTURY ALUMINUM CO COM COMMON STOCK 156431108 452 30100 SH DEFINED 30100 0 0
CENTURYTEL INC COM COMMON STOCK 156700106 21 450 SH DEFINED 450 0 0
CERUS CORP COM COMMON STOCK 157085101 3 100 SH DEFINED 100 0 0
CH ENERGY GROUP INC COM COMMON STOCK 12541M102 101 3050 SH DEFINED 3050 0 0
CHARTER MUNICIPAL MORTGAGE ACC COMMON STOCK 160908109 8 675 SH DEFINED 675 0 0
CHASE MANHATTAN CORP NEW COM * COMMON STOCK 16161A108 1935 24911 SH DEFINED 24911 0 0
CHASE MANHATTAN CORP NEW COM * COMMON STOCK 16161A108 189 2439 SH OTHER 408 2031 0
CHELSEA GCA REALTY INC COM COMMON STOCK 163262108 21 700 SH DEFINED 500 0 200
CHEVRON CORP COM * COMMON STOCK 166751107 12372 142821 SH DEFINED 139641 0 3180
CHEVRON CORP COM * COMMON STOCK 166751107 1003 11577 SH OTHER 6531 4846 200
CHIQUITA BRANDS INTL INC COM COMMON STOCK 170032106 61 12834 SH DEFINED 12748 0 86
CHIQUITA BRANDS INTL INC COM COMMON STOCK 170032106 1 170 SH OTHER 170 0 0
CHUBB CORP COM COMMON STOCK 171232101 17 300 SH DEFINED 300 0 0
CIENA CORP COM COMMON STOCK 171779101 58 1000 SH DEFINED 0 0 1000
CIGNA CORP COM COMMON STOCK 125509109 492 6102 SH DEFINED 6102 0 0
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 883 19600 SH DEFINED 19600 0 0
CISCO SYSTEM INC COM * COMMON STOCK 17275R102 13803 128854 SH DEFINED 128554 0 300
CISCO SYSTEM INC COM * COMMON STOCK 17275R102 1703 15895 SH OTHER 14420 1475 0
CIT GROUP INC CLASS A COMMON STOCK 125577106 327 15500 SH DEFINED 15500 0 0
CITIGROUP INC COM * COMMON STOCK 172967101 36287 651618 SH DEFINED 639543 2550 9525
CITIGROUP INC COM * COMMON STOCK 172967101 4000 71821 SH OTHER 66196 5625 0
CITIZENS UTILITIES CO DEL COM COMMON STOCK 177342201 3 202 SH DEFINED 202 0 0
CLARUS CORP DEL COM COMMON STOCK 182707109 66 1000 SH DEFINED 1000 0 0
CLAYTON HOMES INC COM * COMMON STOCK 184190106 319 34766 SH DEFINED 34766 0 0
CLAYTON HOMES INC COM * COMMON STOCK 184190106 152 16530 SH OTHER 16530 0 0
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK 184502102 5319 59595 SH DEFINED 59595 0 0
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK 184502102 13688 153368 SH OTHER 153368 0 0
CLECO CORP NEW COM COMMON STOCK 12561W105 82 2560 SH DEFINED 2560 0 0
CLOROX CO COM * COMMON STOCK 189054109 710 14100 SH DEFINED 13300 0 800
CLOROX CO COM * COMMON STOCK 189054109 787 15618 SH OTHER 10018 800 4800
CMGI INC COM COMMON STOCK 125750109 75 270 SH DEFINED 270 0 0
CNA SURETY CORP COM COMMON STOCK 12612L108 393 30200 SH DEFINED 30200 0 0
CNET INC COM COMMON STOCK 125945105 114 2000 SH DEFINED 0 0 2000
COASTAL BANCORP INC TEX COMMON STOCK 19041P105 88 5000 SH DEFINED 5000 0 0
COASTAL CORP COM * COMMON STOCK 190441105 4058 114513 SH DEFINED 114513 0 0
COASTAL CORP COM * COMMON STOCK 190441105 624 17618 SH OTHER 17618 0 0
COCA COLA BOTTLING CO CONSOLID COMMON STOCK 191098102 21 448 SH DEFINED 448 0 0
COCA COLA CO COM * COMMON STOCK 191216100 10491 180098 SH DEFINED 178098 0 2000
COCA COLA CO COM * COMMON STOCK 191216100 1905 32710 SH OTHER 28710 0 4000
COLGATE-PALMOLIVE CO COM * COMMON STOCK 194162103 18243 280661 SH DEFINED 274291 0 6370
COLGATE-PALMOLIVE CO COM * COMMON STOCK 194162103 866 13317 SH OTHER 13317 0 0
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PIMCO COMMERCIAL MTG SECURITIE OTHER 693388100 8 667 SH DEFINED N.A. N.A. N.A.
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PUTNAM MASTER INTER INCOME TRU OTHER 746909100 151 25388 SH DEFINED N.A. N.A. N.A.
PUTNAM MASTER INTER INCOME TRU OTHER 746909100 11 1914 SH OTHER N.A. N.A. N.A.
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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 24 1500 SH DEFINED N.A. N.A. N.A.
VAN KAMPEN CAPITAL SENIOR INC OTHER 920961109 82 10100 SH DEFINED N.A. N.A. N.A.
VESTAUR SECURITIES INC * OTHER 925464109 53 4500 SH DEFINED N.A. N.A. N.A.
ACM MUNICIPAL SECS INCOME FD I OTHER 000942102 16 1500 SH DEFINED N.A. N.A. N.A.
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BLACKROCK INSD MUN 2008 TERM T OTHER 09247K109 23 1698 SH OTHER N.A. N.A. N.A.
BLACKROCK INVESTMENT QUALITY M OTHER 09247D105 23 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 13 1859 SH DEFINED N.A. N.A. N.A.
DREYFUS STRATEGIC MUNI BOND FU OTHER 26202F107 150 20288 SH DEFINED N.A. N.A. N.A.
DREYFUS STRATEGIC MUNICIPALS I OTHER 261932107 218 29034 SH DEFINED N.A. N.A. N.A.
DUFF & PHELPS UTILS T/F INCOME OTHER 264325101 126 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 66 5148 SH DEFINED 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 40 4374 SH DEFINED N.A. N.A. N.A.
MANAGED MUNICIPAL PORTFOLIO IN OTHER 561662107 27 3013 SH DEFINED N.A. N.A. N.A.
MFS MUNICIPAL INCOME TRUST OTHER 552738106 170 26171 SH DEFINED N.A. N.A. N.A.
MORGAN STAN DEAN WITT INSD MUN OTHER 61745P866 102 8000 SH DEFINED N.A. N.A. N.A.
MORGAN STAN DEAN WITT MUNI INC OTHER 61745P452 4 500 SH DEFINED N.A. N.A. N.A.
MUNIENHANCED FUND INC COM OTHER 626243109 18 2000 SH OTHER N.A. N.A. N.A.
MUNIVEST FUND INC COM OTHER 626295109 20 2500 SH OTHER N.A. N.A. N.A.
MUNIYIELD FUND INC COM OTHER 626299101 22 1900 SH OTHER N.A. N.A. N.A.
MUNIYIELD INSURED FUND INC COM OTHER 62630E107 24 2000 SH OTHER N.A. N.A. N.A.
NUVEEN INSD MUN OPPORTUNITY FD OTHER 670984103 55 4550 SH DEFINED N.A. N.A. N.A.
NUVEEN INSD MUN OPPORTUNITY FD OTHER 670984103 16 1288 SH OTHER N.A. N.A. N.A.
NUVEEN INSD PREM INCOME MUN FD OTHER 6706D8104 41 4000 SH DEFINED N.A. N.A. N.A.
NUVEEN INSD PREM INCOME MUN FD OTHER 6706D8104 17 1692 SH OTHER N.A. N.A. N.A.
NUVEEN INSD QUALITY MUNICIPAL OTHER 67062N103 39 2950 SH DEFINED N.A. N.A. N.A.
NUVEEN INSD QUALITY MUNICIPAL OTHER 67062N103 23 1710 SH OTHER N.A. N.A. N.A.
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NUVEEN MUNICIPAL VALUE FUND IN OTHER 670928100 16 2000 SH OTHER N.A. N.A. N.A.
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SELIGMAN SELECT MUNICIPAL FUND OTHER 816344105 11 1250 SH DEFINED N.A. N.A. N.A.
VAN KAMPEN CALIFORNIA QUAL MUN OTHER 920920105 13 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 82 6410 SH DEFINED N.A. N.A. N.A.
HANCOCK JOHN INVESTORS TRUST OTHER 410142103 25 1500 SH DEFINED N.A. N.A. N.A.
HANCOCK JOHN PATRIOT GLOBAL DI OTHER 41013G103 52 5400 SH DEFINED N.A. N.A. N.A.
MEXICO EQUITY & INCOME FUND CO OTHER 592834105 7 765 SH DEFINED N.A. N.A. N.A.
MESA OFFSHORE TR OTHER 590650107 0 1000 SH DEFINED 1000 0 0
AMERICAN REAL ESTATE PARTNERS OTHER 029169109 15 2019 SH DEFINED 2019 0 0
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BUCKEYE PARTNERS L P UNIT OTHER 118230101 47 1800 SH OTHER 0 1200 600
DORCHESTER HUGOTON LTD DEP RCP OTHER 258205202 15 1600 SH DEFINED 1600 0 0
EL PASO ENERGY PARTNERS L P CO OTHER 28368B102 30 1600 SH OTHER 0 0 1600
EOTT ENERGY PARTNERS L P OTHER 294103106 39 3000 SH DEFINED 3000 0 0
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MESABI TRUST CERTIFICATE BEN I OTHER 590672101 1 300 SH DEFINED 300 0 0
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SABINE ROYALTY TRUST UNITS BEN OTHER 785688102 92 6850 SH DEFINED 6850 0 0
SABINE ROYALTY TRUST UNITS BEN OTHER 785688102 67 5000 SH OTHER 5000 0 0
SAN JUAN BASIN RTY TR UNIT BEN OTHER 798241105 59 5700 SH DEFINED 5700 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 62 3200 SH DEFINED 3200 0 0
</TABLE>
