GUARANTY TRUST CO OF MISSOURI /MO/
13F-HR, 2000-04-27
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                            UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C.  20549

                                    FORM 13F

                               FORM 13F COVER PAGE

REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 3/31/00

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:    WILLIAM WULFING                    *ENTER INVESTMENT MANAGER
ADDRESS: THE GUARANTY TRUST COMPANY OF MO   *ENTE
         7733 FORSYTH BLVD, SUITE 900       *ENTE
         ST LOUIS *ENTE, MO 63105

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:     JAN BURCH
TITLE:    SENIOR VICE PRESIDENT
PHONE:    (314)746-4676
SIGNATURE,PLACE,AND DATE OF SIGNING:

    JAN BURCH                      ST LOUIS, MO             4/13/00


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:    929

FORM 13F INFORMATION TABLE VALUE TOTAL:             $653,161
<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
- ------------------------------ ---------------- --------- -------- -------- ---
- ---- ------- ------------ -------- -------- --------

ABBOTT LABORATORIES            COMMON STOCK     002824100     1788    50800 SH
DEFINED               50800        0        0
ABBOTT LABORATORIES            COMMON STOCK     002824100     4325   122912 SH
OTHER                122912        0        0
ACNIELSEN CORPORATION          COMMON STOCK     004833109        1       31 SH
OTHER                    31        0        0
ADAPTEC INC                    COMMON STOCK     00651F108       31      800 SH
OTHER                   800        0        0
ADVENT SOFTWARE INC            COMMON STOCK     007974108       33      720 SH
DEFINED                 720        0        0
AGILE SOFTWARE CORP            COMMON STOCK     00846X105       19      300 SH
DEFINED                 300        0        0
AGILENT TECHNOLOGIES INC       COMMON STOCK     00846U101       18      175 SH
OTHER                   175        0        0
AGRIBRANDS INTERNATIONAL INC   COMMON STOCK     00849R105       50     1261 SH
DEFINED                1261        0        0
AGRIBRANDS INTERNATIONAL INC   COMMON STOCK     00849R105      266     6765 SH
OTHER                  6765        0        0
AIR PRODUCTS & CHEMICALS INC   COMMON STOCK     009158106       40     1392 SH
OTHER                  1392        0        0
AIRGAS INC                     COMMON STOCK     009363102       17     2000 SH
DEFINED                2000        0        0
AKAMAI TECHNOLOGIES INC        COMMON STOCK     00971T101       48      300 SH
DEFINED                 300        0        0
AKAMAI TECHNOLOGIES INC        COMMON STOCK     00971T101       96      600 SH
OTHER                   600        0        0
ALBERTSONS INC                 COMMON STOCK     013104104       10      320 SH
DEFINED                 320        0        0
ALBERTSONS INC                 COMMON STOCK     013104104       69     2237 SH
OTHER                  2237        0        0
ALCOA INC                      COMMON STOCK     013817101      130     1850 SH
DEFINED                1850        0        0
ALCOA INC                      COMMON STOCK     013817101      365     5200 SH
OTHER                  5200        0        0
ALLAIRE CORPORATION            COMMON STOCK     016714107       32      420 SH
DEFINED                 420        0        0
ALLEGHENY ENERGY INC           COMMON STOCK     017361106      126     4564 SH
DEFINED                4564        0        0
ALLEGHENY ENERGY INC           COMMON STOCK     017361106      394    14220 SH
OTHER                 13620        0      600
ALLEGHENY TECHNOLOGIES INC     COMMON STOCK     01741R102       27     1347 SH
DEFINED                1347        0        0
ALLIANCE CAPITAL MGMT HLDG LP  COMMON STOCK     01855A101      215     5200 SH
DEFINED                5200        0        0
ALLIANT ENERGY CORPORATION     COMMON STOCK     018802108        3      114 SH
DEFINED                 114        0        0
ALLIED HEALTHCARE PRODUCTS INC COMMON STOCK     019222108        3     1000 SH
DEFINED                   0        0     1000
ALLMERICA FINL CORP            COMMON STOCK     019754100       19      379 SH
DEFINED                 379        0        0
ALLSCRIPTS INC                 COMMON STOCK     019886100       24      400 SH
DEFINED                 400        0        0
ALLSTATE CORP                  COMMON STOCK     020002101       43     1800 SH
DEFINED                1800        0        0
ALLSTATE CORP                  COMMON STOCK     020002101      155     6528 SH
OTHER                  6528        0        0
ALLTEL CORP                    COMMON STOCK     020039103      187     2955 SH
DEFINED                2955        0        0
ALLTEL CORP                    COMMON STOCK     020039103       35      546 SH
OTHER                   546        0        0
ALZA CORP CLASS A              COMMON STOCK     022615108       12      321 SH
DEFINED                 321        0        0
AMEREN CORPORATION             COMMON STOCK     023608102      198     6385 SH
DEFINED                6385        0        0
AMEREN CORPORATION             COMMON STOCK     023608102      945    30537 SH
OTHER                 30537        0        0
AMERICA ONLINE INC             COMMON STOCK     02364J104      285     4230 SH
DEFINED                4230        0        0
AMERICA ONLINE INC             COMMON STOCK     02364J104       47      700 SH
OTHER                   700        0        0
AMERICAN ELECTRIC POWER INC    COMMON STOCK     025537101       23      764 SH
DEFINED                 764        0        0
AMERICAN ELECTRIC POWER INC    COMMON STOCK     025537101       55     1840 SH
OTHER                  1207        0      633
AMERICAN EXPRESS CO            COMMON STOCK     025816109     1536    10315 SH
DEFINED               10315        0        0
AMERICAN EXPRESS CO            COMMON STOCK     025816109      891     5980 SH
OTHER                  5880        0      100
AMERICAN GREETINGS CORP CLASS  COMMON STOCK     026375105       10      575 SH
OTHER                   575        0        0
AMERICAN HOME PRODUCTS CORP    COMMON STOCK     026609107     1393    25910 SH
DEFINED               25910        0        0
AMERICAN HOME PRODUCTS CORP    COMMON STOCK     026609107     4433    82482 SH
OTHER                 82482        0        0
AMERICAN INTERNATIONAL GROUP I COMMON STOCK     026874107     2798    25550 SH
DEFINED               25550        0        0
AMERICAN INTERNATIONAL GROUP I COMMON STOCK     026874107     2581    23567 SH
OTHER                 23567        0        0
AMERICAN POWER CONVERSION CORP COMMON STOCK     029066107       34      800 SH
OTHER                   800        0        0
AMERICAN WATER WORKS INC       COMMON STOCK     030411102       45     1900 SH
DEFINED                1900        0        0
AMFM INC                       COMMON STOCK     001693100       40      650 SH
DEFINED                 650        0        0
AMFM INC                       COMMON STOCK     001693100      235     3780 SH
OTHER                  3780        0        0
AMGEN INC                      COMMON STOCK     031162100     3140    51160 SH
DEFINED               50160        0     1000
AMGEN INC                      COMMON STOCK     031162100     1396    22750 SH
OTHER                 22750        0        0
AMLI RESIDENTIAL PROPERTIES TR COMMON STOCK     001735109        6      300 SH
OTHER                   300        0        0
AMR CORP DEL                   COMMON STOCK     001765106       19      600 SH
DEFINED                 600        0        0
AMSOUTH BANCORPORATION         COMMON STOCK     032165102      309    20707 SH
DEFINED               20707        0        0
ANALOG DEVICES INC             COMMON STOCK     032654105      252     3132 SH
DEFINED                3132        0        0
ANALOG DEVICES INC             COMMON STOCK     032654105      242     3000 SH
OTHER                  3000        0        0
ANHEUSER BUSCH COS INC         COMMON STOCK     035229103    74043  1189448 SH
DEFINED             1189448        0        0
ANHEUSER BUSCH COS INC         COMMON STOCK     035229103     8448   135718 SH
OTHER                135168        0      550
AON CORP                       COMMON STOCK     037389103       65     2000 SH
OTHER                  2000        0        0
APPLE COMPUTER INC             COMMON STOCK     037833100        5       40 SH
OTHER                    40        0        0
APPLIED MATERIALS INC          COMMON STOCK     038222105       47      500 SH
DEFINED                 500        0        0
APPLIED MATERIALS INC          COMMON STOCK     038222105      400     4240 SH
OTHER                  4240        0        0
ARCHER DANIELS MIDLAND CO      COMMON STOCK     039483102       48     4690 SH
DEFINED                4690        0        0
ARCHER DANIELS MIDLAND CO      COMMON STOCK     039483102      425    41258 SH
OTHER                 41258        0        0
ARGONAUT GROUP INC             COMMON STOCK     040157109       17      840 SH
DEFINED                 840        0        0
ARMSTRONG WORLD INDUSTRIES     COMMON STOCK     042476101       21     1200 SH
OTHER                  1200        0        0
ASSOCIATES FIRST CAPITAL CORP  COMMON STOCK     046008108       48     2234 SH
DEFINED                2234        0        0
ASSOCIATES FIRST CAPITAL CORP  COMMON STOCK     046008108       70     3280 SH
OTHER                  3280        0        0
AT&T CORPORATION               COMMON STOCK     001957109     2470    43862 SH
DEFINED               43562        0      300
AT&T CORPORATION               COMMON STOCK     001957109     4303    76408 SH
OTHER                 75208        0     1200
ATLANTIC RICHFIELD CO          COMMON STOCK     048825103     1070    12590 SH
DEFINED               12590        0        0
ATLANTIC RICHFIELD CO          COMMON STOCK     048825103      460     5415 SH
OTHER                  5315        0      100
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103      858    17775 SH
DEFINED               17775        0        0
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103     1857    38496 SH
OTHER                 38196        0      300
AVERY DENNISON CORPORATION     COMMON STOCK     053611109       31      500 SH
DEFINED                 500        0        0
AVERY DENNISON CORPORATION     COMMON STOCK     053611109      110     1800 SH
OTHER                  1800        0        0
AVON PRODUCTS INC              COMMON STOCK     054303102       18      600 SH
DEFINED                 600        0        0
AVON PRODUCTS INC              COMMON STOCK     054303102       35     1200 SH
OTHER                  1200        0        0
AXA FINANCIAL INC              COMMON STOCK     002451102       75     2100 SH
DEFINED                2100        0        0
AXA FINANCIAL INC              COMMON STOCK     002451102       93     2600 SH
OTHER                  2600        0        0
BAKER HUGHES INC               COMMON STOCK     057224107       98     3253 SH
OTHER                  3253        0        0
BANCORPSOUTH INC               COMMON STOCK     059692103      759    46354 SH
DEFINED               46354        0        0
BANK OF AMERICA CORPORATION    COMMON STOCK     060505104     1794    34214 SH
DEFINED               33014        0     1200
BANK OF AMERICA CORPORATION    COMMON STOCK     060505104     2139    40795 SH
OTHER                 40795        0        0
BANK OF NEW YORK INC           COMMON STOCK     064057102       62     1485 SH
OTHER                  1485        0        0
BANK ONE CORPORATION NEW       COMMON STOCK     06423A103      127     3694 SH
DEFINED                3694        0        0
BANK ONE CORPORATION NEW       COMMON STOCK     06423A103      249     7218 SH
OTHER                  7218        0        0
BARNES & NOBLE INC             COMMON STOCK     067774109        5      200 SH
DEFINED                 200        0        0
BARRINGER TECHNOLOGIES INC     COMMON STOCK     068509603       79    12500 SH
OTHER                 12500        0        0
BATTLE MOUNTAIN GOLD CO        COMMON STOCK     071593107        0      150 SH
OTHER                   150        0        0
BAXTER INTERNATIONAL INC       COMMON STOCK     071813109        9      150 SH
DEFINED                 150        0        0
BAXTER INTERNATIONAL INC       COMMON STOCK     071813109       31      500 SH
OTHER                   500        0        0
BEA SYSTEMS INC                COMMON STOCK     073325102       59      800 SH
DEFINED                 800        0        0
BEAR STEARNS COMPANIES INC     COMMON STOCK     073902108       27      600 SH
DEFINED                 600        0        0
BECTON DICKINSON & CO          COMMON STOCK     075887109       53     2000 SH
OTHER                  2000        0        0
BELL ATLANTIC CORP             COMMON STOCK     077853109      701    11466 SH
DEFINED               11466        0        0
BELL ATLANTIC CORP             COMMON STOCK     077853109     2070    33862 SH
OTHER                 33862        0        0
BELLSOUTH CORP                 COMMON STOCK     079860102      845    18028 SH
DEFINED               18028        0        0
BELLSOUTH CORP                 COMMON STOCK     079860102     2310    49272 SH
OTHER                 49012        0      260
BERKSHIRE HATHAWAY INC CL B    COMMON STOCK     084670207      548      301 SH
DEFINED                 298        0        3
BERKSHIRE HATHAWAY INC CL B    COMMON STOCK     084670207      675      371 SH
OTHER                   371        0        0
BESTFOODS INC                  COMMON STOCK     08658U101      759    16215 SH
DEFINED               16215        0        0
BESTFOODS INC                  COMMON STOCK     08658U101       10      220 SH
OTHER                   220        0        0
BIOGEN INC                     COMMON STOCK     090597105      101     1450 SH
DEFINED                1450        0        0
BIOGEN INC                     COMMON STOCK     090597105       42      600 SH
OTHER                   600        0        0
BLOCK H & R INC                COMMON STOCK     093671105       90     2000 SH
OTHER                  2000        0        0
BLUESTONE SOFTWARE INC         COMMON STOCK     09623P102       15      450 SH
DEFINED                 450        0        0
BMC SOFTWARE INC               COMMON STOCK     055921100       54     1100 SH
DEFINED                1100        0        0
BMC SOFTWARE INC               COMMON STOCK     055921100      114     2318 SH
OTHER                  2318        0        0
BOEING CO                      COMMON STOCK     097023105       30      800 SH
DEFINED                 800        0        0
BOEING CO                      COMMON STOCK     097023105      165     4376 SH
OTHER                  4376        0        0
BORG-WARNER AUTOMOTIVE INC     COMMON STOCK     099724106       59     1500 SH
OTHER                  1500        0        0
BOSTON SCIENTIFIC CORP         COMMON STOCK     101137107        9      430 SH
DEFINED                 430        0        0
BRISTOL MYERS SQUIBB CO        COMMON STOCK     110122108     2698    46516 SH
DEFINED               46316        0      200
BRISTOL MYERS SQUIBB CO        COMMON STOCK     110122108     7331   126403 SH
OTHER                125303        0     1100
BROADCOM CORPORATION CL A      COMMON STOCK     111320107       97      400 SH
DEFINED                 400        0        0
BROCADE COMMUNICATIONS SYSTEMS COMMON STOCK     111621108       36      200 SH
DEFINED                 200        0        0
BROWN SHOE COMPANY INC NEW     COMMON STOCK     115736100       46     3854 SH
OTHER                  3854        0        0
BUDGET GROUP INC CL A          COMMON STOCK     119003101        4      818 SH
OTHER                   818        0        0
BUFFETS INC                    COMMON STOCK     119882108      293    32404 SH
OTHER                 32404        0        0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK     12189T104      613    26960 SH
DEFINED               26960        0        0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK     12189T104      566    24868 SH
OTHER                 24868        0        0
BURLINGTON RESOURCES INC       COMMON STOCK     122014103       53     1436 SH
DEFINED                1436        0        0
BURLINGTON RESOURCES INC       COMMON STOCK     122014103      233     6286 SH
OTHER                  6286        0        0
C & D TECHNOLOGIES INC         COMMON STOCK     124661109      148     2500 SH
OTHER                  2500        0        0
CADENCE DESIGN SYSTEMS INC     COMMON STOCK     127387108       50     2400 SH
OTHER                  2400        0        0
CAMPBELL SOUP CO               COMMON STOCK     134429109      100     3250 SH
DEFINED                3250        0        0
CAMPBELL SOUP CO               COMMON STOCK     134429109      191     6200 SH
OTHER                  6200        0        0
CANDELA CORPORATION            COMMON STOCK     136907102      206    15000 SH
OTHER                 15000        0        0
CARDINAL HEALTH INC            COMMON STOCK     14149Y108      924    20150 SH
DEFINED               20150        0        0
CARNIVAL CORPORATION           COMMON STOCK     143658102     1173    47275 SH
DEFINED               47275        0        0
CARNIVAL CORPORATION           COMMON STOCK     143658102      657    26480 SH
OTHER                 26480        0        0
CAROLINA POWER & LIGHT CO      COMMON STOCK     144141108       13      400 SH
DEFINED                 400        0        0
CAROLINA POWER & LIGHT CO      COMMON STOCK     144141108       23      716 SH
OTHER                   716        0        0
CATALYST INTERNATIONAL INC     COMMON STOCK     14887T105       17     1350 SH
OTHER                  1350        0        0
CATERPILLAR INC                COMMON STOCK     149123101      114     2892 SH
DEFINED                2892        0        0
CATERPILLAR INC                COMMON STOCK     149123101      497    12600 SH
OTHER                 12600        0        0
CBRL GROUP INC                 COMMON STOCK     12489V106        5      500 SH
DEFINED                 500        0        0
CBS CORPORATION                COMMON STOCK     12490K107       28      500 SH
DEFINED                 500        0        0
CBS CORPORATION                COMMON STOCK     12490K107       40      700 SH
OTHER                   700        0        0
CENDANT CORPORATION            COMMON STOCK     151313103       19     1000 SH
DEFINED                1000        0        0
CENTRAL & SOUTH WEST CORP      COMMON STOCK     152357109       43     2530 SH
DEFINED                2530        0        0
CENTRAL & SOUTH WEST CORP      COMMON STOCK     152357109       78     4565 SH
OTHER                  4565        0        0
CHARTER COMMUNICATIONS INC CL  COMMON STOCK     16117M107      307    21400 SH
DEFINED               21400        0        0
CHASE MANHATTAN CORP NEW       COMMON STOCK     16161A108      954    10944 SH
DEFINED               10944        0        0
CHASE MANHATTAN CORP NEW       COMMON STOCK     16161A108     1457    16710 SH
OTHER                 16710        0        0
CHELSEA GCA REALTY INC         COMMON STOCK     163262108       12      400 SH
OTHER                   400        0        0
CHEMFIRST INC                  COMMON STOCK     16361A106       29     1470 SH
DEFINED                1470        0        0
CHEVRON CORP                   COMMON STOCK     166751107     3011    32574 SH
DEFINED               32574        0        0
CHEVRON CORP                   COMMON STOCK     166751107     3421    37009 SH
OTHER                 37009        0        0
CHIRON CORP                    COMMON STOCK     170040109      125     2500 SH
DEFINED                2500        0        0
CHUBB CORP                     COMMON STOCK     171232101       14      200 SH
OTHER                   200        0        0
CIGNA CORP                     COMMON STOCK     125509109       80     1050 SH
DEFINED                1050        0        0
CIGNA CORP                     COMMON STOCK     125509109       80     1050 SH
OTHER                  1050        0        0
CIRCUIT CITY STORES-CIRCUIT CI COMMON STOCK     172737108      864    14200 SH
DEFINED               14200        0        0
CISCO SYSTEMS INC              COMMON STOCK     17275R102     9621   124438 SH
DEFINED              124438        0        0
CISCO SYSTEMS INC              COMMON STOCK     17275R102     4084    52826 SH
OTHER                 52626        0      200
CITIGROUP INC                  COMMON STOCK     172967101     3838    64100 SH
DEFINED               63800        0      300
CITIGROUP INC                  COMMON STOCK     172967101     2810    46937 SH
OTHER                 46937        0        0
CITIZENS UTILS CO DEL SERIES B COMMON STOCK     177342201      345    21088 SH
OTHER                 21088        0        0
CITRIX SYSTEMS INC             COMMON STOCK     177376100      331     5000 SH
DEFINED                5000        0        0
CLOROX CO                      COMMON STOCK     189054109      317     9621 SH
OTHER                  9621        0        0
CMGI INC                       COMMON STOCK     125750109     1599    14109 SH
DEFINED               14109        0        0
CMGI INC                       COMMON STOCK     125750109      539     4755 SH
OTHER                  4755        0        0
CMS ENERGY CORP                COMMON STOCK     125896100        7      400 SH
OTHER                   400        0        0
COASTAL CORPORATION            COMMON STOCK     190441105      345     7500 SH
DEFINED                7500        0        0
COCA COLA CO                   COMMON STOCK     191216100     2407    51275 SH
DEFINED               51275        0        0
COCA COLA CO                   COMMON STOCK     191216100     1685    35891 SH
OTHER                 35891        0        0
COLGATE PALMOLIVE CO           COMMON STOCK     194162103      124     2200 SH
DEFINED                1800        0      400
COLGATE PALMOLIVE CO           COMMON STOCK     194162103      584    10365 SH
OTHER                 10365        0        0
COLUMBIA / HCA HEALTHCARE CORP COMMON STOCK     197677107       35     1400 SH
OTHER                  1400        0        0
COMCAST CORP                   COMMON STOCK     200300101       32      775 SH
DEFINED                 775        0        0
COMCAST CORP                   COMMON STOCK     200300101       62     1500 SH
OTHER                  1500        0        0
COMCAST CORP CL A SPL          COMMON STOCK     200300200      239     5500 SH
OTHER                  5500        0        0
COMERICA INC                   COMMON STOCK     200340107       31      750 SH
OTHER                   750        0        0
COMMERCE BANCSHARES INC        COMMON STOCK     200525103       34     1103 SH
DEFINED                1103        0        0
COMMERCE BANCSHARES INC        COMMON STOCK     200525103       78     2494 SH
OTHER                  2494        0        0
COMPAQ COMPUTER CORP           COMMON STOCK     204493100      123     4550 SH
DEFINED                4550        0        0
COMPAQ COMPUTER CORP           COMMON STOCK     204493100      869    32200 SH
OTHER                 31600        0      600
COMPUTER ASSOC INTL INC        COMMON STOCK     204912109       15      250 SH
DEFINED                 250        0        0
COMPUTER ASSOC INTL INC        COMMON STOCK     204912109        6      100 SH
OTHER                   100        0        0
CONAGRA INC                    COMMON STOCK     205887102      312    17190 SH
DEFINED               17190        0        0
CONAGRA INC                    COMMON STOCK     205887102       23     1250 SH
OTHER                  1250        0        0
CONOCO INC CL B                COMMON STOCK     208251405       78     3028 SH
DEFINED                3028        0        0
CONOCO INC CL B                COMMON STOCK     208251405      170     6651 SH
OTHER                  6651        0        0
CONOCO INC CLASS A             COMMON STOCK     208251306       31     1249 SH
DEFINED                1249        0        0
CONOCO INC CLASS A             COMMON STOCK     208251306       30     1200 SH
OTHER                  1200        0        0
CONSECO INC                    COMMON STOCK     208464107       16     1375 SH
DEFINED                1375        0        0
CONSOLIDATED EDISON INC        COMMON STOCK     209115104       15      500 SH
DEFINED                 500        0        0
CONSOLIDATED EDISON INC        COMMON STOCK     209115104       23      800 SH
OTHER                   800        0        0
CONSOLIDATED STORES CORPORATIO COMMON STOCK     210149100       18     1600 SH
OTHER                  1600        0        0
CONSTELLATION ENERGY GROUP     COMMON STOCK     210371100       24      738 SH
OTHER                   738        0        0
CONVERGENT COMMUNICATIONS INC  COMMON STOCK     211914403       22     2000 SH
OTHER                  2000        0        0
COOPER CAMERON CORP            COMMON STOCK     216640102       20      300 SH
OTHER                   300        0        0
COOPER INDUSTRIES INC          COMMON STOCK     216669101        5      133 SH
DEFINED                 133        0        0
COOPER INDUSTRIES INC          COMMON STOCK     216669101        8      216 SH
OTHER                   216        0        0
CORN PRODUCTS INTERNATIONAL IN COMMON STOCK     219023108       22      918 SH
DEFINED                 918        0        0
COSTCO WHOLESALE CORPORATION   COMMON STOCK     22160K105      105     2000 SH
OTHER                  2000        0        0
COX COMMUNICATIONS INC NEW CL  COMMON STOCK     224044107       84     1722 SH
OTHER                  1722        0        0
CRESCENT REAL ESTATE EQUITIECO COMMON STOCK     225756105        9      500 SH
OTHER                   500        0        0
CROSS TIMBERS OIL CO           COMMON STOCK     227573102       13     1000 SH
DEFINED                1000        0        0
CROWN CORK & SEAL INC          COMMON STOCK     228255105       14      900 SH
DEFINED                 900        0        0
CSX CORP                       COMMON STOCK     126408103        9      400 SH
DEFINED                 400        0        0
CSX CORP                       COMMON STOCK     126408103       17      734 SH
OTHER                   734        0        0
CUBIC CORPORATION              COMMON STOCK     229669106       18      798 SH
DEFINED                 798        0        0
CVS CORPORATION (DEL)          COMMON STOCK     126650100       13      335 SH
DEFINED                 335        0        0
CVS CORPORATION (DEL)          COMMON STOCK     126650100      165     4400 SH
OTHER                  4400        0        0
DARDEN RESTAURANTS INC         COMMON STOCK     237194105       36     2000 SH
OTHER                  2000        0        0
DATA RESEARCH ASSOCIATES       COMMON STOCK     237853106       24     4000 SH
DEFINED                4000        0        0
DEERE & CO                     COMMON STOCK     244199105       17      450 SH
OTHER                   450        0        0
DELIA*S INC                    COMMON STOCK     246885107        0       10 SH
OTHER                    10        0        0
DELL COMPUTER CORP             COMMON STOCK     247025109      482     8940 SH
DEFINED                8940        0        0
DELL COMPUTER CORP             COMMON STOCK     247025109      225     4175 SH
OTHER                  4175        0        0
DELPHI AUTOMOTIVE SYSTEMS CORP COMMON STOCK     247126105       68     4277 SH
DEFINED                4277        0        0
DELPHI AUTOMOTIVE SYSTEMS CORP COMMON STOCK     247126105       60     3730 SH
OTHER                  3730        0        0
DELTA AIR LINES INC DEL        COMMON STOCK     247361108      218     4100 SH
DEFINED                4100        0        0
DELTA AIR LINES INC DEL        COMMON STOCK     247361108      246     4625 SH
OTHER                  4625        0        0
DELTA NATURAL GAS CO INC       COMMON STOCK     247748106        6      400 SH
OTHER                   400        0        0
DILLARD'S INC CL A             COMMON STOCK     254067101       11      650 SH
OTHER                   650        0        0
DISNEY WALT CO(HOLDING CO)     COMMON STOCK     254687106      860    20840 SH
DEFINED               20840        0        0
DISNEY WALT CO(HOLDING CO)     COMMON STOCK     254687106      815    19767 SH
OTHER                 19767        0        0
DOLLAR GENERAL CORPORATION     COMMON STOCK     256669102       40     1475 SH
DEFINED                1475        0        0
DOLLAR GENERAL CORPORATION     COMMON STOCK     256669102       13      500 SH
OTHER                   500        0        0
DOMINION RESOURCES INC VA      COMMON STOCK     25746U109      431    11225 SH
DEFINED               11225        0        0
DOMINION RESOURCES INC VA      COMMON STOCK     25746U109      533    13872 SH
OTHER                 13872        0        0
DONNELLEY R R & SONS CO        COMMON STOCK     257867101       14      650 SH
OTHER                   650        0        0
DOUBLECLICK INC                COMMON STOCK     258609304       37      400 SH
DEFINED                 400        0        0
DOVER CORP                     COMMON STOCK     260003108       57     1200 SH
OTHER                  1200        0        0
DOW CHEMICAL CO                COMMON STOCK     260543103      204     1787 SH
DEFINED                1787        0        0
DOW CHEMICAL CO                COMMON STOCK     260543103     1036     9092 SH
OTHER                  9092        0        0
DQE INC                        COMMON STOCK     23329J104       20      450 SH
DEFINED                 450        0        0
DTE ENERGY COMPANY             COMMON STOCK     233331107     1064    36445 SH
DEFINED               36445        0        0
DTE ENERGY COMPANY             COMMON STOCK     233331107      133     4545 SH
OTHER                  4545        0        0
DU PONT E I DE NEMOURS & CO    COMMON STOCK     263534109      331     6252 SH
DEFINED                6252        0        0
DU PONT E I DE NEMOURS & CO    COMMON STOCK     263534109     1473    27825 SH
OTHER                 27825        0        0
DUKE ENERGY CORPORATION        COMMON STOCK     264399106      563    10725 SH
DEFINED               10725        0        0
DUKE ENERGY CORPORATION        COMMON STOCK     264399106      492     9375 SH
OTHER                  9375        0        0
DUN & BRADSTREET CORP DEL      COMMON STOCK     26483B106       20      693 SH
OTHER                   693        0        0
DYNEGY INC NEW                 COMMON STOCK     26816Q101        6      100 SH
DEFINED                 100        0        0
E M C CORP MASS                COMMON STOCK     268648102     1079     8560 SH
DEFINED                8560        0        0
E M C CORP MASS                COMMON STOCK     268648102     2195    17420 SH
OTHER                 17020        0      400
EARTHGRAINS CO                 COMMON STOCK     270319106     1293    86944 SH
DEFINED               86944        0        0
EARTHGRAINS CO                 COMMON STOCK     270319106       28     1908 SH
OTHER                  1908        0        0
EARTHLINK INC                  COMMON STOCK     270321102        5      250 SH
DEFINED                 250        0        0
EASTMAN CHEMICAL CO            COMMON STOCK     277432100        9      200 SH
DEFINED                 200        0        0
EASTMAN KODAK CO               COMMON STOCK     277461109      118     2175 SH
DEFINED                2175        0        0
EASTMAN KODAK CO               COMMON STOCK     277461109       81     1500 SH
OTHER                  1500        0        0
EATON CORP                     COMMON STOCK     278058102       35      450 SH
DEFINED                 450        0        0
EATON CORP                     COMMON STOCK     278058102      230     2954 SH
OTHER                  2954        0        0
EBAY INC                       COMMON STOCK     278642103        3       17 SH
DEFINED                  17        0        0
ECOLAB INC                     COMMON STOCK     278865100       40     1100 SH
DEFINED                1100        0        0
ECOLAB INC                     COMMON STOCK     278865100       59     1600 SH
OTHER                  1600        0        0
EDISON INTERNATIONAL           COMMON STOCK     281020107      133     8000 SH
DEFINED                8000        0        0
EDISON INTERNATIONAL           COMMON STOCK     281020107       29     1724 SH
OTHER                  1724        0        0
EDWARDS A G INC                COMMON STOCK     281760108      202     5057 SH
DEFINED                5057        0        0
EL PASO ENERGY CORPORATION     COMMON STOCK     283905107       14      352 SH
DEFINED                 352        0        0
EL PASO ENERGY CORPORATION     COMMON STOCK     283905107       77     1906 SH
OTHER                  1906        0        0
ELECTRONIC ARTS                COMMON STOCK     285512109      523     7350 SH
OTHER                  7350        0        0
ELECTRONIC DATA SYSTEMS CORP   COMMON STOCK     285661104      690    10754 SH
DEFINED               10554        0      200
ELECTRONIC DATA SYSTEMS CORP   COMMON STOCK     285661104      250     3888 SH
OTHER                  3888        0        0
EMERSON ELECTRIC CO            COMMON STOCK     291011104     1224    23033 SH
DEFINED               22833        0      200
EMERSON ELECTRIC CO            COMMON STOCK     291011104     3212    60466 SH
OTHER                 60466        0        0
EMPIRE DISTRICT ELECTRIC COMPA COMMON STOCK     291641108        6      304 SH
OTHER                   304        0        0
ENRON CORPORATION              COMMON STOCK     293561106     2789    37252 SH
DEFINED               37252        0        0
ENRON CORPORATION              COMMON STOCK     293561106     2574    34383 SH
OTHER                 34383        0        0
ENTERGY CORP NEW               COMMON STOCK     29364G103      146     7225 SH
DEFINED                7225        0        0
ENTERGY CORP NEW               COMMON STOCK     29364G103      102     5070 SH
OTHER                  5070        0        0
ENTREMED INC                   COMMON STOCK     29382F103      119     2000 SH
OTHER                  2000        0        0
ESCO ELECTRONICS CORPORATION   COMMON STOCK     269030102       34     2000 SH
DEFINED                2000        0        0
ESCO ELECTRONICS CORPORATION   COMMON STOCK     269030102        6      375 SH
OTHER                   375        0        0
ESTEE LAUDER COMPANIES INC CL  COMMON STOCK     518439104       40      800 SH
OTHER                   800        0        0
EXPRESS SCRIPTS INC            COMMON STOCK     302182100      234     5575 SH
DEFINED                5425        0      150
EXPRESS SCRIPTS INC            COMMON STOCK     302182100      191     4550 SH
OTHER                  4550        0        0
EXXON MOBIL CORPORATION        COMMON STOCK     30231G102     5183    66496 SH
DEFINED               66496        0        0
EXXON MOBIL CORPORATION        COMMON STOCK     30231G102    22835   292994 SH
OTHER                287594        0     5400
FANNIE MAE                     COMMON STOCK     313586109     1567    27710 SH
DEFINED               27210        0      500
FANNIE MAE                     COMMON STOCK     313586109     1330    23505 SH
OTHER                 23505        0        0
FEDEX CORPORATION              COMMON STOCK     31428X106      293     7550 SH
DEFINED                7550        0        0
FELCOR LODGING TRUST INC       COMMON STOCK     31430F101       14      800 SH
OTHER                   800        0        0
FIFTH THIRD BANCORP            COMMON STOCK     316773100      324     5142 SH
OTHER                  5142        0        0
FINOVA GROUP INC               COMMON STOCK     317928109        4      210 SH
DEFINED                 210        0        0
FIRST DATA CORP                COMMON STOCK     319963104      104     2350 SH
DEFINED                2350        0        0
FIRST DATA CORP                COMMON STOCK     319963104       31      705 SH
OTHER                   705        0        0
FIRST UNION CORP               COMMON STOCK     337358105      625    16775 SH
DEFINED               16775        0        0
FIRST UNION CORP               COMMON STOCK     337358105       55     1475 SH
OTHER                  1475        0        0
FIRST UNITED BANCSHARES ARKANS COMMON STOCK     33741E104       29     2852 SH
OTHER                  2852        0        0
FIRSTAR CORPORATION NEW        COMMON STOCK     33763V109     2440   106380 SH
DEFINED              106119        0      261
FIRSTAR CORPORATION NEW        COMMON STOCK     33763V109     3043   132668 SH
OTHER                132668        0        0
FIRSTENERGY CORPORATION        COMMON STOCK     337932107        6      281 SH
OTHER                   281        0        0
FLEET BOSTON FINANCIAL CORPORA COMMON STOCK     339030108     1007    27597 SH
DEFINED               27123        0      474
FLEET BOSTON FINANCIAL CORPORA COMMON STOCK     339030108      149     4085 SH
OTHER                  4085        0        0
FLIR SYSTEMS INC               COMMON STOCK     302445101       18     2000 SH
OTHER                  2000        0        0
FLORIDA PROGRESS CORP          COMMON STOCK     341109106       44      950 SH
DEFINED                 950        0        0
FLORIDA PROGRESS CORP          COMMON STOCK     341109106       64     1404 SH
OTHER                  1404        0        0
FLUOR CORP                     COMMON STOCK     343861100       19      615 SH
OTHER                   615        0        0
FORD MOTOR COMPANY             COMMON STOCK     345370100      287     6250 SH
DEFINED                6250        0        0
FORD MOTOR COMPANY             COMMON STOCK     345370100      389     8458 SH
OTHER                  8458        0        0
FORT JAMES CORPORATION         COMMON STOCK     347471104        6      250 SH
OTHER                   250        0        0
FORTUNE BRANDS INC             COMMON STOCK     349631101       14      555 SH
DEFINED                 555        0        0
FORTUNE BRANDS INC             COMMON STOCK     349631101      159     6369 SH
OTHER                  6369        0        0
FPL GROUP INC                  COMMON STOCK     302571104       61     1325 SH
DEFINED                1325        0        0
FPL GROUP INC                  COMMON STOCK     302571104      408     8859 SH
OTHER                  8739        0      120
FREDDIE MAC                    COMMON STOCK     313400301      242     5470 SH
DEFINED                5470        0        0
FREDDIE MAC                    COMMON STOCK     313400301      587    13275 SH
OTHER                 13275        0        0
FREEPORT-MCMORAN COPPER & GOLD COMMON STOCK     35671D105        9      800 SH
OTHER                   800        0        0
FRESH FOODS INC                COMMON STOCK     358034106        1      250 SH
OTHER                   250        0        0
FRONTIER OIL CORPORATION       COMMON STOCK     35914P105       15     2000 SH
DEFINED                2000        0        0
FURNITURE BRANDS INTERNATIONAL COMMON STOCK     360921100        3      142 SH
DEFINED                 142        0        0
GANNETT INC                    COMMON STOCK     364730101      160     2275 SH
DEFINED                2275        0        0
GANNETT INC                    COMMON STOCK     364730101      508     7225 SH
OTHER                  7225        0        0
GAP INC                        COMMON STOCK     364760108     1860    37350 SH
DEFINED               37350        0        0
GAP INC                        COMMON STOCK     364760108      589    11825 SH
OTHER                 11825        0        0
GARTNER GROUP INC NEW CLASS B  COMMON STOCK     366651206        2      164 SH
OTHER                   164        0        0
GENERAL DYNAMICS CORP          COMMON STOCK     369550108      100     2000 SH
OTHER                  2000        0        0
GENERAL ELECTRIC CO            COMMON STOCK     369604103    18742   120428 SH
DEFINED              119678        0      750
GENERAL ELECTRIC CO            COMMON STOCK     369604103    33777   217040 SH
OTHER                216940        0      100
GENERAL MILLS INC              COMMON STOCK     370334104       66     1820 SH
DEFINED                1820        0        0
GENERAL MILLS INC              COMMON STOCK     370334104     1377    38044 SH
OTHER                 38044        0        0
GENERAL MOTORS CORP            COMMON STOCK     370442105      450     5430 SH
DEFINED                5430        0        0
GENERAL MOTORS CORP            COMMON STOCK     370442105      413     4984 SH
OTHER                  4984        0        0
GENERAL MOTORS CORP CL H NEW   COMMON STOCK     370442832       12      100 SH
DEFINED                 100        0        0
GENERAL MOTORS CORP CL H NEW   COMMON STOCK     370442832       25      202 SH
OTHER                   202        0        0
GENESCO INC                    COMMON STOCK     371532102       43     3293 SH
OTHER                  3293        0        0
GENRAD INC                     COMMON STOCK     372447102       31     2500 SH
OTHER                  2500        0        0
GENUINE PARTS CO               COMMON STOCK     372460105       19      787 SH
DEFINED                 787        0        0
GENUINE PARTS CO               COMMON STOCK     372460105       43     1808 SH
OTHER                  1808        0        0
GENZYME CORP                   COMMON STOCK     372917104       18      360 SH
DEFINED                 360        0        0
GENZYME CORP                   COMMON STOCK     372917104       45      900 SH
OTHER                   900        0        0
GEORGIA-PACIFIC CORP TIMBER GR COMMON STOCK     373298702       19      746 SH
OTHER                   746        0        0
GEORGIA-PACIFIC GROUP          COMMON STOCK     373298108       20      500 SH
DEFINED                 500        0        0
GEORGIA-PACIFIC GROUP          COMMON STOCK     373298108       59     1492 SH
OTHER                  1492        0        0
GILLETTE CO                    COMMON STOCK     375766102     1763    46785 SH
DEFINED               46785        0        0
GILLETTE CO                    COMMON STOCK     375766102     1526    40478 SH
OTHER                 40478        0        0
GLOBAL MARINE INC              COMMON STOCK     379352404       76     3000 SH
DEFINED                3000        0        0
GLOBAL MARINE INC              COMMON STOCK     379352404       13      500 SH
OTHER                   500        0        0
GLOBAL TELESYSTEMS GROUP INC   COMMON STOCK     37936U104       21     1000 SH
DEFINED                1000        0        0
GOODYEAR TIRE & RUBBER CO      COMMON STOCK     382550101        4      175 SH
DEFINED                 175        0        0
GOODYEAR TIRE & RUBBER CO      COMMON STOCK     382550101       38     1630 SH
OTHER                  1630        0        0
GPU INC                        COMMON STOCK     36225X100       14      500 SH
DEFINED                 500        0        0
GPU INC                        COMMON STOCK     36225X100       27     1000 SH
OTHER                  1000        0        0
GRAINGER W W INC               COMMON STOCK     384802104      172     3166 SH
OTHER                  3166        0        0
GREAT LAKES CHEMICAL CORP      COMMON STOCK     390568103       10      300 SH
OTHER                   300        0        0
GTE CORP                       COMMON STOCK     362320103     2074    29210 SH
DEFINED               28850        0      360
GTE CORP                       COMMON STOCK     362320103     2578    36311 SH
OTHER                 36111        0      200
GUIDANT CORP                   COMMON STOCK     401698105     1719    29200 SH
DEFINED               29200        0        0
GUIDANT CORP                   COMMON STOCK     401698105      413     7020 SH
OTHER                  7020        0        0
HALLIBURTON CO                 COMMON STOCK     406216101      339     8250 SH
DEFINED                8250        0        0
HALLIBURTON CO                 COMMON STOCK     406216101       98     2375 SH
OTHER                  2375        0        0
HANNAFORD BROTHERS CO          COMMON STOCK     410550107       37      500 SH
DEFINED                 500        0        0
HARLEY-DAVIDSON INC            COMMON STOCK     412822108       32      400 SH
OTHER                   400        0        0
HARRAHS ENTERTAINMENT INC      COMMON STOCK     413619107       21     1140 SH
DEFINED                1140        0        0
HARRAHS ENTERTAINMENT INC      COMMON STOCK     413619107       21     1135 SH
OTHER                  1135        0        0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104       32      600 SH
DEFINED                 600        0        0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104       84     1600 SH
OTHER                  1600        0        0
HEALTH CARE PROPERTY INVESTMEN COMMON STOCK     421915109       21      834 SH
DEFINED                 834        0        0
HEALTHSOUTH CORPORATION        COMMON STOCK     421924101       23     4000 SH
DEFINED                4000        0        0
HECLA MINING CO                COMMON STOCK     422704106        3     2000 SH
OTHER                  2000        0        0
HEINZ H J CO                   COMMON STOCK     423074103      213     6106 SH
OTHER                  6106        0        0
HELIX TECHNOLOGY CORPORATION   COMMON STOCK     423319102      150     2500 SH
OTHER                  2500        0        0
HERSHEY FOODS CORP             COMMON STOCK     427866108      319     6550 SH
DEFINED                6550        0        0
HEWLETT PACKARD CO             COMMON STOCK     428236103      523     3935 SH
DEFINED                3935        0        0
HEWLETT PACKARD CO             COMMON STOCK     428236103     1299     9776 SH
OTHER                  9776        0        0
HIBERNIA CORP CL A             COMMON STOCK     428656102       14     1295 SH
DEFINED                1295        0        0
HIGH PLAINS CORPORATION        COMMON STOCK     429701105        4     1000 SH
OTHER                  1000        0        0
HILLENBRAND INDUSTRIES INC     COMMON STOCK     431573104       17      510 SH
DEFINED                 510        0        0
HILTON HOTELS CORPORATION      COMMON STOCK     432848109       27     3520 SH
OTHER                  3520        0        0
HOME DEPOT INC                 COMMON STOCK     437076102     4610    71477 SH
DEFINED               71177        0      300
HOME DEPOT INC                 COMMON STOCK     437076102     3109    48197 SH
OTHER                 48197        0        0
HOMESTAKE MINING CO            COMMON STOCK     437614100       19     3132 SH
OTHER                  3132        0        0
HONEYWELL INTERNATIONAL INC    COMMON STOCK     438516106     1994    37846 SH
DEFINED               37846        0        0
HONEYWELL INTERNATIONAL INC    COMMON STOCK     438516106     3505    66515 SH
OTHER                 65915        0      600
HOUSEHOLD INTERNATIONAL INC    COMMON STOCK     441815107      246     6600 SH
OTHER                  6600        0        0
ILLINOIS TOOL WORKS INC        COMMON STOCK     452308109       28      500 SH
OTHER                   500        0        0
IMATION CORP                   COMMON STOCK     45245A107        1       33 SH
DEFINED                  33        0        0
IMATION CORP                   COMMON STOCK     45245A107        8      283 SH
OTHER                   283        0        0
IMCLONE SYSTEMS INC            COMMON STOCK     45245W109     1594    20740 SH
DEFINED               20740        0        0
IMCLONE SYSTEMS INC            COMMON STOCK     45245W109      834    10850 SH
OTHER                 10850        0        0
IMMUNEX CORPORATION NEW        COMMON STOCK     452528102       23      360 SH
DEFINED                 360        0        0
IMPATH INC                     COMMON STOCK     45255G101      129     3500 SH
OTHER                  3500        0        0
IMPERIAL BANCORP               COMMON STOCK     452556103       54     1749 SH
DEFINED                1749        0        0
IMS HEALTH INC                 COMMON STOCK     449934108       22     1274 SH
OTHER                  1274        0        0
INGERSOLL RAND CO              COMMON STOCK     456866102       60     1350 SH
DEFINED                1350        0        0
INGERSOLL RAND CO              COMMON STOCK     456866102       33      750 SH
OTHER                   750        0        0
INSITUFORM TECHNOLOGIES INC    COMMON STOCK     457667103       15      500 SH
DEFINED                 500        0        0
INTEL CORP                     COMMON STOCK     458140100    14556   110327 SH
DEFINED              110127        0      200
INTEL CORP                     COMMON STOCK     458140100    10009    75860 SH
OTHER                 75860        0        0
INTERDIGITAL COMMUNICATIONS CO COMMON STOCK     45866A105        7      260 SH
OTHER                   130        0      130
INTERNATIONAL BUSINESS MACHS C COMMON STOCK     459200101     3263    27655 SH
DEFINED               27455        0      200
INTERNATIONAL BUSINESS MACHS C COMMON STOCK     459200101     2025    17161 SH
OTHER                 17161        0        0
INTERNATIONAL PAPER CO         COMMON STOCK     460146103       47     1100 SH
DEFINED                1100        0        0
INTERNATIONAL PAPER CO         COMMON STOCK     460146103     6421   150207 SH
OTHER                150207        0        0
INTERNET CAPITAL GROUP INC     COMMON STOCK     46059C106      452     5000 SH
DEFINED                5000        0        0
INTERPUBLIC GROUP COS INC      COMMON STOCK     460690100      450     9520 SH
DEFINED                9520        0        0
INTERPUBLIC GROUP COS INC      COMMON STOCK     460690100      142     3000 SH
OTHER                  3000        0        0
INTIMATE BRANDS INC CL A       COMMON STOCK     461156101      181     4405 SH
DEFINED                4405        0        0
INTIMATE BRANDS INC CL A       COMMON STOCK     461156101       18      425 SH
OTHER                   425        0        0
IONICS INC                     COMMON STOCK     462218108       11      425 SH
OTHER                   425        0        0
J D EDWARDS & COMPANY          COMMON STOCK     281667105       16      500 SH
OTHER                   500        0        0
JDS UNIPHASE CORPORATION       COMMON STOCK     46612J101       60      500 SH
DEFINED                 500        0        0
JDS UNIPHASE CORPORATION       COMMON STOCK     46612J101      133     1100 SH
OTHER                  1100        0        0
JEFFERSON SAVINGS BANCORP INC  COMMON STOCK     474900107       15     1300 SH
OTHER                  1300        0        0
JOHNSON & JOHNSON              COMMON STOCK     478160104     2422    34480 SH
DEFINED               34480        0        0
JOHNSON & JOHNSON              COMMON STOCK     478160104     1911    27206 SH
OTHER                 26806        0      400
JOHNSON CONTROLS INC           COMMON STOCK     478366107      270     5000 SH
OTHER                  5000        0        0
JUNIPER NETWORKS INC           COMMON STOCK     48203R104       66      250 SH
DEFINED                 250        0        0
JUNIPER NETWORKS INC           COMMON STOCK     48203R104       13       50 SH
OTHER                    50        0        0
K MART CORP                    COMMON STOCK     482584109        6      600 SH
OTHER                   600        0        0
K V PHARMACEUTICAL CO CL A     COMMON STOCK     482740206      121     4500 SH
OTHER                     0        0     4500
K V PHARMACEUTICAL CO CL B     COMMON STOCK     482740107       66     2250 SH
OTHER                     0        0     2250
KANSAS CITY POWER & LIGHT CO   COMMON STOCK     485134100       81     2800 SH
DEFINED                2800        0        0
KANSAS CITY POWER & LIGHT CO   COMMON STOCK     485134100       68     2330 SH
OTHER                  2330        0        0
KELLOGG CO                     COMMON STOCK     487836108      100     3900 SH
DEFINED                3900        0        0
KELLOGG CO                     COMMON STOCK     487836108      493    19156 SH
OTHER                 19156        0        0
KELLWOOD CO                    COMMON STOCK     488044108       32     1800 SH
OTHER                  1800        0        0
KERR MCGEE CORPORATION         COMMON STOCK     492386107        6      103 SH
DEFINED                 103        0        0
KEYCORP NEW                    COMMON STOCK     493267108       27     1400 SH
DEFINED                1400        0        0
KEYCORP NEW                    COMMON STOCK     493267108        4      200 SH
OTHER                   200        0        0
KIMBERLY CLARK CORP            COMMON STOCK     494368103      896    15980 SH
DEFINED               15980        0        0
KIMBERLY CLARK CORP            COMMON STOCK     494368103     1760    31396 SH
OTHER                 31196        0      200
KLA-TENCOR CORPORATION         COMMON STOCK     482480100      101     1200 SH
OTHER                  1200        0        0
KNIGHT RIDDER INC              COMMON STOCK     499040103       51     1000 SH
DEFINED                1000        0        0
LABOR READY INC                COMMON STOCK     505401208       74     7500 SH
OTHER                  7500        0        0
LACLEDE GAS CO                 COMMON STOCK     505588103      194     9712 SH
DEFINED                9712        0        0
LACLEDE GAS CO                 COMMON STOCK     505588103      248    12417 SH
OTHER                 12417        0        0
LASERSIGHT INC                 COMMON STOCK     517924106       13     2000 SH
DEFINED                2000        0        0
LEAP WIRELESS INTERNATIONAL IN COMMON STOCK     521863100       10      100 SH
DEFINED                 100        0        0
LEGATO SYSTEMS INC             COMMON STOCK     524651106      357     8000 SH
OTHER                  8000        0        0
LEGGETT & PLATT INC            COMMON STOCK     524660107       54     2500 SH
OTHER                  2500        0        0
LEHMAN BROTHERS HOLDINGS INC   COMMON STOCK     524908100       98     1013 SH
DEFINED                1013        0        0
LEHMAN BROTHERS HOLDINGS INC   COMMON STOCK     524908100       99     1020 SH
OTHER                  1020        0        0
LEVEL 3 COMMUNICATIONS INC     COMMON STOCK     52729N100       63      600 SH
DEFINED                 400        0      200
LEVEL 3 COMMUNICATIONS INC     COMMON STOCK     52729N100      373     3525 SH
OTHER                  3525        0        0
LILLY ELI & CO                 COMMON STOCK     532457108      106     1700 SH
DEFINED                1700        0        0
LILLY ELI & CO                 COMMON STOCK     532457108      200     3200 SH
OTHER                  3200        0        0
LINCOLN ELECTRIC HOLDINGS      COMMON STOCK     533900106       48     2000 SH
DEFINED                2000        0        0
LOCKHEED MARTIN CORP           COMMON STOCK     539830109       68     3348 SH
DEFINED                3348        0        0
LOUISIANNA PACIFIC CORP        COMMON STOCK     546347105        6      414 SH
OTHER                   414        0        0
LOWES COMPANIES INC            COMMON STOCK     548661107        6      100 SH
OTHER                   100        0        0
LSI LOGIC CORP                 COMMON STOCK     502161102       22      300 SH
DEFINED                 300        0        0
LUCENT TECHNOLOGIES INC        COMMON STOCK     549463107     4113    67150 SH
DEFINED               66450        0      700
LUCENT TECHNOLOGIES INC        COMMON STOCK     549463107     6319   103160 SH
OTHER                102124        0     1036
MADISON GAS & ELECTRIC CO      COMMON STOCK     557497104        8      450 SH
OTHER                   450        0        0
MARSH & MCLENNAN COMPANIES INC COMMON STOCK     571748102      114     1032 SH
DEFINED                1032        0        0
MARSH & MCLENNAN COMPANIES INC COMMON STOCK     571748102     1266    11475 SH
OTHER                 11475        0        0
MARSHALL & ILSLEY CORPORATION  COMMON STOCK     571834100       43      751 SH
OTHER                   751        0        0
MASCO CORPORATION              COMMON STOCK     574599106       25     1200 SH
OTHER                  1200        0        0
MATTEL INC                     COMMON STOCK     577081102       19     1848 SH
DEFINED                1848        0        0
MATTEL INC                     COMMON STOCK     577081102        4      397 SH
OTHER                   397        0        0
MAXIMUS INC                    COMMON STOCK     577933104      137     4500 SH
OTHER                  4500        0        0
MAY DEPARTMENT STORES CO       COMMON STOCK     577778103      701    24605 SH
DEFINED               24605        0        0
MAY DEPARTMENT STORES CO       COMMON STOCK     577778103     1314    46094 SH
OTHER                 46094        0        0
MBIA INC                       COMMON STOCK     55262C100      281     5400 SH
DEFINED                5400        0        0
MBNA CORP                      COMMON STOCK     55262L100       15      600 SH
DEFINED                 600        0        0
MCDONALDS CORP                 COMMON STOCK     580135101      551    14730 SH
DEFINED               14730        0        0
MCDONALDS CORP                 COMMON STOCK     580135101     2306    61706 SH
OTHER                 61706        0        0
MCGRAW HILL COMPANIES INC      COMMON STOCK     580645109      664    14600 SH
DEFINED               14600        0        0
MCI WORLDCOM INC               COMMON STOCK     55268B106     5428   119788 SH
DEFINED              119488        0      300
MCI WORLDCOM INC               COMMON STOCK     55268B106     2624    57905 SH
OTHER                 57905        0        0
MCKESSON HBOC INC              COMMON STOCK     58155Q103        4      175 SH
DEFINED                 175        0        0
MCKESSON HBOC INC              COMMON STOCK     58155Q103        8      400 SH
OTHER                   400        0        0
MDU RESOURCES GROUP INC        COMMON STOCK     552690109       68     3300 SH
OTHER                  3300        0        0
MECHANICAL TECHNOLOGY INC      COMMON STOCK     583538103       85     1200 SH
DEFINED                1200        0        0
MECHANICAL TECHNOLOGY INC      COMMON STOCK     583538103      120     1685 SH
OTHER                  1685        0        0
MEDIAONE GROUP                 COMMON STOCK     58440J104      237     2931 SH
DEFINED                2931        0        0
MEDIAONE GROUP                 COMMON STOCK     58440J104      651     8032 SH
OTHER                  8032        0        0
MEDTRONIC INC                  COMMON STOCK     585055106      868    16875 SH
DEFINED               16875        0        0
MEDTRONIC INC                  COMMON STOCK     585055106      615    11950 SH
OTHER                 11950        0        0
MELLON FINANCIAL CORPORATION   COMMON STOCK     58551A108      445    14950 SH
DEFINED               14950        0        0
MELLON FINANCIAL CORPORATION   COMMON STOCK     58551A108       83     2780 SH
OTHER                  2780        0        0
MEMC ELECTRONIC MATERIALS INC  COMMON STOCK     552715104       85     4200 SH
OTHER                  4200        0        0
MERCK & CO INC                 COMMON STOCK     589331107     4726    76065 SH
DEFINED               75865        0      200
MERCK & CO INC                 COMMON STOCK     589331107     4280    68901 SH
OTHER                 68601        0      300
MERRILL LYNCH & CO INC         COMMON STOCK     590188108     1202    11450 SH
DEFINED               11450        0        0
MERRILL LYNCH & CO INC         COMMON STOCK     590188108       17      165 SH
OTHER                   165        0        0
MGI PROPERTIES                 COMMON STOCK     552885105        6     1200 SH
DEFINED                1200        0        0
MGIC INVESTMENT CORP WIS       COMMON STOCK     552848103      803    18400 SH
DEFINED               18400        0        0
MICROCHIP TECHNOLOGY INC       COMMON STOCK     595017104       30      450 SH
DEFINED                 450        0        0
MICROSOFT CORP                 COMMON STOCK     594918104     6660    62686 SH
DEFINED               62686        0        0
MICROSOFT CORP                 COMMON STOCK     594918104     3318    31226 SH
OTHER                 30926        0      300
MICROVISION INC                COMMON STOCK     594960106       22      400 SH
DEFINED                 400        0        0
MILLIPORE CORP                 COMMON STOCK     601073109       90     1600 SH
OTHER                  1600        0        0
MINNESOTA MINING & MANUFACTURI COMMON STOCK     604059105     1024    11565 SH
DEFINED               11405        0      160
MINNESOTA MINING & MANUFACTURI COMMON STOCK     604059105     2186    24683 SH
OTHER                 24583        0      100
MINNESOTA POWER INC            COMMON STOCK     604110106        5      300 SH
OTHER                   300        0        0
MISSISSIPPI VALLEY BANCSHARES  COMMON STOCK     605720101       19      800 SH
DEFINED                 800        0        0
MISSISSIPPI VALLEY BANCSHARES  COMMON STOCK     605720101       48     2000 SH
OTHER                  2000        0        0
MOBILE AMERICA CORP FLA        COMMON STOCK     607235504        1      902 SH
DEFINED                 902        0        0
MONSANTO CO                    COMMON STOCK     611662107     2590    50293 SH
DEFINED               50143        0      150
MONSANTO CO                    COMMON STOCK     611662107     4226    82053 SH
OTHER                 78513        0     3540
MONTANA POWER CO               COMMON STOCK     612085100       58      900 SH
DEFINED                 900        0        0
MONTANA POWER CO               COMMON STOCK     612085100      173     2710 SH
OTHER                  2210        0      500
MORGAN J P & CO INC            COMMON STOCK     616880100      349     2650 SH
DEFINED                2650        0        0
MORGAN J P & CO INC            COMMON STOCK     616880100      497     3773 SH
OTHER                  3773        0        0
MORGAN STANLEY DEAN WITTER & C COMMON STOCK     617446448     2111    25470 SH
DEFINED               25470        0        0
MORGAN STANLEY DEAN WITTER & C COMMON STOCK     617446448      786     9488 SH
OTHER                  9488        0        0
MOTOROLA INC                   COMMON STOCK     620076109     2563    17555 SH
DEFINED               17555        0        0
MOTOROLA INC                   COMMON STOCK     620076109     2254    15438 SH
OTHER                 15288        0      150
MP3.COM INC                    COMMON STOCK     62473M109        4      190 SH
DEFINED                 190        0        0
MUELLER INDUSTRIES INC         COMMON STOCK     624756102       61     2000 SH
OTHER                  2000        0        0
MYLAN LABS INC                 COMMON STOCK     628530107       33     1200 SH
DEFINED                1200        0        0
NATIONAL CITY CORP             COMMON STOCK     635405103       36     1760 SH
DEFINED                1760        0        0
NATIONAL CITY CORP             COMMON STOCK     635405103       61     2936 SH
OTHER                  2936        0        0
NATIONAL COMPUTER SYSTEMS INC  COMMON STOCK     635519101      254     5000 SH
OTHER                  5000        0        0
NATIONAL FUEL GAS CO N J       COMMON STOCK     636180101       78     1760 SH
OTHER                  1760        0        0
NAVISTAR INTERNATIONAL CORP NE COMMON STOCK     63934E108       84     2100 SH
OTHER                  2100        0        0
NCR CORPORATION (NEW)          COMMON STOCK     62886E108        7      166 SH
DEFINED                 166        0        0
NCR CORPORATION (NEW)          COMMON STOCK     62886E108       16      395 SH
OTHER                   345        0       50
NETWORK APPLIANCE INC          COMMON STOCK     64120L104       17      200 SH
OTHER                     0        0      200
NETWORKS ASSOCIATES INC        COMMON STOCK     640938106       47     1450 SH
OTHER                  1450        0        0
NEW CENTURY ENERGIES INC       COMMON STOCK     64352U103      179     5962 SH
DEFINED                5820        0      142
NEW CENTURY ENERGIES INC       COMMON STOCK     64352U103      360    11984 SH
OTHER                 11684        0      300
NEW PLAN EXCEL REALTY TRUST    COMMON STOCK     648053106      160    11650 SH
DEFINED               11650        0        0
NEW PLAN EXCEL REALTY TRUST    COMMON STOCK     648053106      126     9150 SH
OTHER                  9150        0        0
NEWELL RUBBERMAID INC          COMMON STOCK     651229106       44     1775 SH
DEFINED                1775        0        0
NEWELL RUBBERMAID INC          COMMON STOCK     651229106       20      788 SH
OTHER                   788        0        0
NEWMONT MINING CORP            COMMON STOCK     651639106        3      119 SH
DEFINED                 119        0        0
NEWMONT MINING CORP            COMMON STOCK     651639106        4      189 SH
OTHER                   189        0        0
NEWPORT NEWS SHIPBUILDING INC  COMMON STOCK     652228107        1       40 SH
DEFINED                  40        0        0
NEWPORT NEWS SHIPBUILDING INC  COMMON STOCK     652228107        2       50 SH
OTHER                    50        0        0
NEXTEL COMMUNICATIONS INC CL A COMMON STOCK     65332V103      217     1465 SH
DEFINED                1465        0        0
NEXTEL COMMUNICATIONS INC CL A COMMON STOCK     65332V103      127      855 SH
OTHER                   855        0        0
NICOR INC                      COMMON STOCK     654086107       49     1500 SH
DEFINED                1500        0        0
NICOR INC                      COMMON STOCK     654086107       30      900 SH
OTHER                   900        0        0
NOBLE AFFILIATES INC           COMMON STOCK     654894104       82     2500 SH
OTHER                  2500        0        0
NORFOLK SOUTHERN CORP          COMMON STOCK     655844108       46     3210 SH
DEFINED                3210        0        0
NORFOLK SOUTHERN CORP          COMMON STOCK     655844108       98     6900 SH
OTHER                  6900        0        0
NORTH EUROPEAN OIL ROYALTY TRU COMMON STOCK     659310106       13     1000 SH
DEFINED                1000        0        0
NORTHEAST UTILITIES            COMMON STOCK     664397106      215    10000 SH
OTHER                 10000        0        0
NORTHERN BORDER PARTNERS UNIT  COMMON STOCK     664785102       14      500 SH
OTHER                   500        0        0
NORTHERN STATES POWER CO MINN  COMMON STOCK     665772109       35     1766 SH
OTHER                  1766        0        0
NORTHWESTERN CORPORATION       COMMON STOCK     668074107       12      600 SH
OTHER                   600        0        0
NOVELL INC                     COMMON STOCK     670006105        6      200 SH
DEFINED                 200        0        0
NOVELLUS SYSTEMS INC           COMMON STOCK     670008101        6      100 SH
DEFINED                 100        0        0
NSTAR                          COMMON STOCK     67019E107       44     1050 SH
DEFINED                1050        0        0
NUCOR CORP                     COMMON STOCK     670346105       80     1600 SH
OTHER                  1600        0        0
OCEAN ENERGY INC               COMMON STOCK     67481E106      101     7000 SH
OTHER                  7000        0        0
OFFICE DEPOT INC               COMMON STOCK     676220106       46     4000 SH
OTHER                  4000        0        0
OLD KENT FINANCIAL CORPORATION COMMON STOCK     679833103        4      140 SH
DEFINED                 140        0        0
OLD REPUBLIC INTERNATIONAL COR COMMON STOCK     680223104        4      282 SH
OTHER                   282        0        0
OLIN CORP                      COMMON STOCK     680665205       62     3500 SH
DEFINED                3500        0        0
OMNICOM GROUP INC              COMMON STOCK     681919106     1039    11100 SH
DEFINED               11100        0        0
OMNICOM GROUP INC              COMMON STOCK     681919106      201     2150 SH
OTHER                  2150        0        0
ORACLE CORPORATION             COMMON STOCK     68389X105     1899    24325 SH
DEFINED               24325        0        0
ORACLE CORPORATION             COMMON STOCK     68389X105     1635    20946 SH
OTHER                 20946        0        0
P G & E CORPORATION            COMMON STOCK     69331C108       17      800 SH
DEFINED                 800        0        0
P G & E CORPORATION            COMMON STOCK     69331C108       17      800 SH
OTHER                   800        0        0
PACCAR INC                     COMMON STOCK     693718108       23      460 SH
OTHER                   460        0        0
PACTIV CORPORATION             COMMON STOCK     695257105       31     3550 SH
DEFINED                3550        0        0
PACTIV CORPORATION             COMMON STOCK     695257105        2      250 SH
OTHER                   250        0        0
PAINE WEBBER GROUP INC         COMMON STOCK     695629105       44     1000 SH
OTHER                  1000        0        0
PARK PLACE ENTERTAINMENT CORPO COMMON STOCK     700690100       41     3520 SH
OTHER                  3520        0        0
PARKER HANNIFIN CORP           COMMON STOCK     701094104      366     8850 SH
DEFINED                8850        0        0
PAYCHEX INC                    COMMON STOCK     704326107       24      450 SH
DEFINED                 450        0        0
PAYLESS SHOESOURCE INC         COMMON STOCK     704379106       11      210 SH
DEFINED                 210        0        0
PAYLESS SHOESOURCE INC         COMMON STOCK     704379106      114     2191 SH
OTHER                  2191        0        0
PE CORP - CELERA GENOMICS GROU COMMON STOCK     69332S201       28      300 SH
OTHER                   300        0        0
PE CORP - PE BIOSYSTEMS GROUP  COMMON STOCK     69332S102      145     1500 SH
OTHER                  1500        0        0
PECO ENERGY CO                 COMMON STOCK     693304107       11      300 SH
OTHER                   300        0        0
PENNEY J C INC                 COMMON STOCK     708160106       27     1800 SH
DEFINED                1800        0        0
PENNEY J C INC                 COMMON STOCK     708160106       11      750 SH
OTHER                   750        0        0
PEPSICO INC                    COMMON STOCK     713448108     1045    29952 SH
DEFINED               29952        0        0
PEPSICO INC                    COMMON STOCK     713448108     5396   154737 SH
OTHER                154737        0        0
PFIZER INC                     COMMON STOCK     717081103     5169   141386 SH
DEFINED              140786        0      600
PFIZER INC                     COMMON STOCK     717081103     7932   216939 SH
OTHER                216939        0        0
PHARMACIA & UPJOHN INC         COMMON STOCK     716941109       95     1600 SH
DEFINED                1600        0        0
PHARMACIA & UPJOHN INC         COMMON STOCK     716941109        6      100 SH
OTHER                   100        0        0
PHILIP MORRIS COMPANIES INC    COMMON STOCK     718154107      421    19950 SH
DEFINED               18950        0     1000
PHILIP MORRIS COMPANIES INC    COMMON STOCK     718154107     1171    55451 SH
OTHER                 55451        0        0
PHILLIPS PETROLEUM CO          COMMON STOCK     718507106       34      743 SH
OTHER                   743        0        0
PITNEY BOWES INC               COMMON STOCK     724479100       35      780 SH
DEFINED                 780        0        0
PITNEY BOWES INC               COMMON STOCK     724479100        9      200 SH
OTHER                   200        0        0
PITTSTON BRINK'S GROUP         COMMON STOCK     725701106       17      987 SH
OTHER                   987        0        0
PMI GROUP INC                  COMMON STOCK     69344M101      100     2100 SH
OTHER                  2100        0        0
PNC FINANCIAL SERVICES GROUP   COMMON STOCK     693475105      237     5250 SH
DEFINED                5250        0        0
PNC FINANCIAL SERVICES GROUP   COMMON STOCK     693475105      270     6000 SH
OTHER                  6000        0        0
POTOMAC ELECTRIC POWER CO      COMMON STOCK     737679100       23     1000 SH
DEFINED                1000        0        0
POTOMAC ELECTRIC POWER CO      COMMON STOCK     737679100       36     1600 SH
OTHER                  1600        0        0
PPG INDUSTRIES INC             COMMON STOCK     693506107       63     1200 SH
DEFINED                1200        0        0
PPG INDUSTRIES INC             COMMON STOCK     693506107       26      500 SH
OTHER                   500        0        0
PRAXAIR INC                    COMMON STOCK     74005P104       42     1000 SH
DEFINED                1000        0        0
PRAXAIR INC                    COMMON STOCK     74005P104       23      550 SH
OTHER                   550        0        0
PREMIER PARKS INC              COMMON STOCK     740540208       20      930 SH
OTHER                   930        0        0
PRICE T ROWE ASSOC INC         COMMON STOCK     741477103      158     4000 SH
OTHER                  4000        0        0
PROCTER & GAMBLE CO            COMMON STOCK     742718109     2008    35541 SH
DEFINED               35541        0        0
PROCTER & GAMBLE CO            COMMON STOCK     742718109     4282    75781 SH
OTHER                 75781        0        0
PROGENICS PHARMACEUTICALS INC  COMMON STOCK     743187106        7      100 SH
OTHER                   100        0        0
PROJECT SOFTWARE & DEVELOPMENT COMMON STOCK     74339P101        6      100 SH
OTHER                   100        0        0
PROTECTIVE LIFE CORP           COMMON STOCK     743674103       64     2000 SH
OTHER                  2000        0        0
PSS WORLD MEDICAL INC          COMMON STOCK     69366A100       51     7500 SH
OTHER                  7500        0        0
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK     744573106       41     1390 SH
OTHER                  1390        0        0
PUGET SOUND ENERGY INC         COMMON STOCK     745332106       25     1127 SH
OTHER                  1127        0        0
QUAKER OATS CO                 COMMON STOCK     747402105       97     1600 SH
DEFINED                1300        0      300
QUAKER OATS CO                 COMMON STOCK     747402105      200     3300 SH
OTHER                  3300        0        0
QUALCOMM INC                   COMMON STOCK     747525103       60      400 SH
DEFINED                 400        0        0
QUALCOMM INC                   COMMON STOCK     747525103       30      200 SH
OTHER                   200        0        0
QWEST COMMUNICATIONS INTL INC  COMMON STOCK     749121109      371     7735 SH
DEFINED                7735        0        0
QWEST COMMUNICATIONS INTL INC  COMMON STOCK     749121109      943    19656 SH
OTHER                 19656        0        0
R H DONNELLEY CORPORATION NEW  COMMON STOCK     74955W307        2      126 SH
OTHER                   126        0        0
R J REYNOLDS TOBACCO HOLDINGS  COMMON STOCK     76182K105        1       46 SH
DEFINED                  46        0        0
RALCORP HOLDINGS INC NEW       COMMON STOCK     751028101       54     3703 SH
DEFINED                3703        0        0
RALCORP HOLDINGS INC NEW       COMMON STOCK     751028101      315    21700 SH
OTHER                 21700        0        0
RALSTON - RALSTON PURINA GROUP COMMON STOCK     751277302     5405   196532 SH
DEFINED              195782        0      750
RALSTON - RALSTON PURINA GROUP COMMON STOCK     751277302    29809  1083958 SH
OTHER               1083358        0      600
RANGER OIL LIMITED             COMMON STOCK     752805101        0      100 SH
OTHER                   100        0        0
RAYTHEON COMPANY CLASS A       COMMON STOCK     755111309        8      415 SH
DEFINED                 415        0        0
RAYTHEON COMPANY CLASS A       COMMON STOCK     755111309        5      257 SH
OTHER                   257        0        0
RAYTHEON COMPANY CLASS B NEW   COMMON STOCK     755111408       52     2950 SH
DEFINED                2950        0        0
RAYTHEON COMPANY CLASS B NEW   COMMON STOCK     755111408       41     2300 SH
OTHER                  2300        0        0
REINSURANCE GROUP OF AMERICA I COMMON STOCK     759351109       21      900 SH
OTHER                   900        0        0
RELIANT ENERGY INC             COMMON STOCK     75952J108       27     1150 SH
DEFINED                1150        0        0
RELIANT ENERGY INC             COMMON STOCK     75952J108       66     2800 SH
OTHER                  2800        0        0
REPUBLIC SERVICES INC          COMMON STOCK     760759100      206    18815 SH
DEFINED               18815        0        0
REPUBLIC SERVICES INC          COMMON STOCK     760759100      303    27685 SH
OTHER                 27685        0        0
RGS ENERGY GROUP INC           COMMON STOCK     74956K104        6      261 SH
OTHER                   261        0        0
RPM INC OHIO                   COMMON STOCK     749685103       24     2171 SH
OTHER                  2171        0        0
RUSH ENTERPRISES INC           COMMON STOCK     781846100       45     6500 SH
OTHER                  6500        0        0
SABRE HOLDINGS CORPORATION CL  COMMON STOCK     785905100       16      432 SH
DEFINED                 432        0        0
SAFEWAY INC                    COMMON STOCK     786514208       48     1050 SH
DEFINED                 850        0      200
SAPIENT CORPORATION            COMMON STOCK     803062108        4       44 SH
OTHER                    44        0        0
SARA LEE CORP                  COMMON STOCK     803111103      428    23794 SH
DEFINED               23794        0        0
SARA LEE CORP                  COMMON STOCK     803111103      289    16063 SH
OTHER                 16063        0        0
SBC COMMUNICATIONS INC         COMMON STOCK     78387G103     4010    95182 SH
DEFINED               94946        0      236
SBC COMMUNICATIONS INC         COMMON STOCK     78387G103     5673   134660 SH
OTHER                134360        0      300
SCANA CORPORATION              COMMON STOCK     80589M102       27     1100 SH
OTHER                  1100        0        0
SCHERING PLOUGH CORP           COMMON STOCK     806605101     2651    71400 SH
DEFINED               71400        0        0
SCHERING PLOUGH CORP           COMMON STOCK     806605101     1894    51005 SH
OTHER                 51005        0        0
SCHLUMBERGER LTD               COMMON STOCK     806857108      474     6200 SH
DEFINED                5800        0      400
SCHLUMBERGER LTD               COMMON STOCK     806857108      140     1825 SH
OTHER                  1825        0        0
SCHWAB CHARLES CORPORATION NEW COMMON STOCK     808513105      466     8210 SH
DEFINED                8210        0        0
SCHWAB CHARLES CORPORATION NEW COMMON STOCK     808513105      237     4165 SH
OTHER                  4165        0        0
SCI SYSTEMS INC                COMMON STOCK     783890106      129     2400 SH
DEFINED                2400        0        0
SCIENT CORPORATION             COMMON STOCK     80864H109        9      100 SH
DEFINED                 100        0        0
SCIENTIFIC ATLANTA INC         COMMON STOCK     808655104       95     1500 SH
OTHER                  1500        0        0
SEA CONTAINERS LTD CL A        COMMON STOCK     811371707      122     5500 SH
OTHER                  5500        0        0
SEALED AIR CORPORATION NEW     COMMON STOCK     81211K100       82     1514 SH
OTHER                  1514        0        0
SEARS ROEBUCK & CO             COMMON STOCK     812387108       55     1782 SH
OTHER                  1782        0        0
SECURE COMPUTING CORPORATION   COMMON STOCK     813705100        3      200 SH
OTHER                   200        0        0
SEMPRA ENERGY                  COMMON STOCK     816851109      107     6379 SH
DEFINED                6379        0        0
SEMPRA ENERGY                  COMMON STOCK     816851109       59     3507 SH
OTHER                  3507        0        0
SENSAR CORPORATION             COMMON STOCK     817253107       93     2000 SH
DEFINED                2000        0        0
SERVICEMASTER COMPANY          COMMON STOCK     81760N109       26     2277 SH
OTHER                  2277        0        0
SHELLS SEAFOOD RESTAURANTS INC COMMON STOCK     822809109        4     2000 SH
OTHER                  2000        0        0
SHERWIN WILLIAMS CO            COMMON STOCK     824348106       97     4403 SH
DEFINED                4403        0        0
SHERWIN WILLIAMS CO            COMMON STOCK     824348106      101     4550 SH
OTHER                  4550        0        0
SIEBEL SYSTEMS INC             COMMON STOCK     826170102      290     2425 SH
DEFINED                2425        0        0
SIGMA ALDRICH CORP             COMMON STOCK     826552101       16      600 SH
DEFINED                 600        0        0
SIGMA ALDRICH CORP             COMMON STOCK     826552101      110     4090 SH
OTHER                  4090        0        0
SIMON PROPERTY GROUP INC NEW   COMMON STOCK     828806109        7      300 SH
OTHER                   300        0        0
SIRIUS SATELLITE RADIO INC     COMMON STOCK     82966U103     1231    21600 SH
DEFINED               21600        0        0
SIRIUS SATELLITE RADIO INC     COMMON STOCK     82966U103      866    15200 SH
OTHER                 15200        0        0
SLM HOLDING CORPORATION        COMMON STOCK     78442A109       20      600 SH
OTHER                   600        0        0
SOLECTRON CORP (DEL)           COMMON STOCK     834182107       52     1300 SH
DEFINED                1300        0        0
SOLECTRON CORP (DEL)           COMMON STOCK     834182107      385     9600 SH
OTHER                  9600        0        0
SOLUTIA INC                    COMMON STOCK     834376105       92     6845 SH
DEFINED                6845        0        0
SOLUTIA INC                    COMMON STOCK     834376105      209    15651 SH
OTHER                 14943        0      708
SOUTH JERSEY INDUSTRIES INC    COMMON STOCK     838518108        6      200 SH
OTHER                   200        0        0
SOUTHERN CO                    COMMON STOCK     842587107       76     3500 SH
DEFINED                3500        0        0
SOUTHERN CO                    COMMON STOCK     842587107      294    13515 SH
OTHER                 13515        0        0
SOUTHTRUST CORP                COMMON STOCK     844730101      122     4788 SH
DEFINED                4788        0        0
SOUTHTRUST CORP                COMMON STOCK     844730101       17      650 SH
OTHER                   650        0        0
SOUTHWEST AIRLINES CO          COMMON STOCK     844741108       19      900 SH
DEFINED                 900        0        0
SOUTHWEST AIRLINES CO          COMMON STOCK     844741108        9      450 SH
OTHER                   450        0        0
SOVRAN SELF STORAGE INC        COMMON STOCK     84610H108       10      480 SH
OTHER                   480        0        0
SPRINT CORPORATION (FON GROUP) COMMON STOCK     852061100      953    15074 SH
DEFINED               15074        0        0
SPRINT CORPORATION (FON GROUP) COMMON STOCK     852061100      190     3000 SH
OTHER                  3000        0        0
SPRINT CORPORATION PCS GROUP   COMMON STOCK     852061506      460     7018 SH
DEFINED                7018        0        0
SPRINT CORPORATION PCS GROUP   COMMON STOCK     852061506       95     1450 SH
OTHER                  1450        0        0
ST JOSEPH LIGHT & POWER CO     COMMON STOCK     790654107       12      600 SH
OTHER                   600        0        0
ST PAUL COMPANIES INC          COMMON STOCK     792860108       19      564 SH
DEFINED                 564        0        0
STANDARD & POORS DEPOSITORY RE COMMON STOCK     78462F103       60      400 SH
DEFINED                 400        0        0
STANDARD & POORS DEPOSITORY RE COMMON STOCK     78462F103       15      100 SH
OTHER                   100        0        0
STANDARD MOTOR PRODUCTS INC    COMMON STOCK     853666105       17     1125 SH
DEFINED                1125        0        0
STANLEY WORKS                  COMMON STOCK     854616109       58     2200 SH
DEFINED                2200        0        0
STARWOOD HOTELS & RESORTS WORL COMMON STOCK     85590A203       39     1520 SH
DEFINED                1220        0      300
STARWOOD HOTELS & RESORTS WORL COMMON STOCK     85590A203       13      500 SH
OTHER                   500        0        0
STATE STREET CORPORATION       COMMON STOCK     857477103      194     2000 SH
OTHER                  2000        0        0
STIFEL FINANCIAL CORP          COMMON STOCK     860630102        0       10 SH
DEFINED                  10        0        0
STILLWATER MINING COMPANY      COMMON STOCK     86074Q102       88     2200 SH
DEFINED                2200        0        0
STILLWATER MINING COMPANY      COMMON STOCK     86074Q102        5      125 SH
OTHER                   125        0        0
STRIDE RITE CORP               COMMON STOCK     863314100       13     1600 SH
OTHER                  1600        0        0
SUMMIT BANCORP                 COMMON STOCK     866005101      404    15400 SH
DEFINED               15400        0        0
SUMMIT BANCORP                 COMMON STOCK     866005101       49     1850 SH
OTHER                  1850        0        0
SUN MICROSYSTEMS INC           COMMON STOCK     866810104     2157    23020 SH
DEFINED               21820        0     1200
SUN MICROSYSTEMS INC           COMMON STOCK     866810104     2638    28155 SH
OTHER                 28155        0        0
SUNOCO INC                     COMMON STOCK     86764P109        8      280 SH
DEFINED                 280        0        0
SUNSHINE MINING & REFINING CO  COMMON STOCK     867833501        1      764 SH
OTHER                   764        0        0
SUNTRUST BANKS INC             COMMON STOCK     867914103       34      582 SH
DEFINED                 582        0        0
SUNTRUST BANKS INC             COMMON STOCK     867914103      133     2304 SH
OTHER                  2304        0        0
SUPERVALU INC                  COMMON STOCK     868536103      137     7260 SH
OTHER                  7260        0        0
SYSCO CORP                     COMMON STOCK     871829107       72     2000 SH
OTHER                  2000        0        0
TARGET CORPORATION             COMMON STOCK     87612E106     1342    17957 SH
DEFINED               17732        0      225
TARGET CORPORATION             COMMON STOCK     87612E106     1014    13560 SH
OTHER                 13560        0        0
TB WOODS CORP                  COMMON STOCK     872226105       18     2000 SH
OTHER                  2000        0        0
TECO ENERGY INC                COMMON STOCK     872375100       43     2226 SH
DEFINED                2226        0        0
TECO ENERGY INC                COMMON STOCK     872375100       47     2440 SH
OTHER                  2440        0        0
TECUMSEH PRODUCTS COMPANY CLAS COMMON STOCK     878895200       30      675 SH
DEFINED                 675        0        0
TECUMSEH PRODUCTS COMPANY CLAS COMMON STOCK     878895101        9      225 SH
DEFINED                 225        0        0
TELEDYNE TECHNOLOGIES INC      COMMON STOCK     879360105        7      385 SH
DEFINED                 385        0        0
TELEFLEX INC                   COMMON STOCK     879369106       35     1000 SH
OTHER                  1000        0        0
TELLABS INC                    COMMON STOCK     879664100     1332    21142 SH
DEFINED               21142        0        0
TELLABS INC                    COMMON STOCK     879664100       86     1360 SH
OTHER                  1360        0        0
TENNECO AUTOMOTIVE             COMMON STOCK     880349105        0       50 SH
DEFINED                  50        0        0
TENNECO AUTOMOTIVE             COMMON STOCK     880349105        0       50 SH
OTHER                    50        0        0
TERAYON COMMUNICATION SYSTEMS  COMMON STOCK     880775101       21      100 SH
DEFINED                 100        0        0
TEREX CORPORATION NEW          COMMON STOCK     880779103       29     2000 SH
OTHER                  2000        0        0
TEXACO INC                     COMMON STOCK     881694103      874    16260 SH
DEFINED               16260        0        0
TEXACO INC                     COMMON STOCK     881694103      833    15504 SH
OTHER                 15504        0        0
TEXAS INSTRUMENTS INC          COMMON STOCK     882508104      358     2240 SH
DEFINED                2240        0        0
TEXAS INSTRUMENTS INC          COMMON STOCK     882508104      440     2750 SH
OTHER                  2750        0        0
TEXAS UTILITIES CO             COMMON STOCK     882848104       63     2125 SH
DEFINED                2125        0        0
TEXAS UTILITIES CO             COMMON STOCK     882848104       82     2764 SH
OTHER                  2764        0        0
THERAGENICS CORPORATION        COMMON STOCK     883375107      134    10000 SH
OTHER                 10000        0        0
THERMO ELECTRON CORP           COMMON STOCK     883556102       64     3150 SH
DEFINED                3150        0        0
THERMO ELECTRON CORP           COMMON STOCK     883556102        3      140 SH
OTHER                   140        0        0
TIMBERLINE SOFTWARE CORPORATIO COMMON STOCK     887134104       23     2666 SH
OTHER                  2666        0        0
TIME WARNER INC                COMMON STOCK     887315109       50      500 SH
DEFINED                 500        0        0
TIME WARNER INC                COMMON STOCK     887315109       80      800 SH
OTHER                   800        0        0
TIMES MIRROR CO NEW SER A      COMMON STOCK     887364107      158     1700 SH
OTHER                  1700        0        0
TJX COMPANIES INC NEW          COMMON STOCK     872540109       62     2800 SH
DEFINED                2800        0        0
TJX COMPANIES INC NEW          COMMON STOCK     872540109        9      400 SH
OTHER                   400        0        0
TRANSOCEAN SEDCO FOREX INC     COMMON STOCK     G90078109       19      376 SH
DEFINED                 376        0        0
TRANSOCEAN SEDCO FOREX INC     COMMON STOCK     G90078109       14      278 SH
OTHER                   278        0        0
TRIBUNE CO NEW                 COMMON STOCK     896047107       59     1600 SH
DEFINED                1600        0        0
TRIBUNE CO NEW                 COMMON STOCK     896047107      180     4925 SH
OTHER                  4925        0        0
TRICON GLOBAL RESTAURANTS INC  COMMON STOCK     895953107       33     1075 SH
DEFINED                1075        0        0
TRICON GLOBAL RESTAURANTS INC  COMMON STOCK     895953107      188     6041 SH
OTHER                  6041        0        0
TRUSTMARK CORPORATION          COMMON STOCK     898402102       61     3000 SH
DEFINED                3000        0        0
TYCO INTERNATIONAL LTD (NEW)   COMMON STOCK     902124106     2099    41869 SH
DEFINED               41469        0      400
TYCO INTERNATIONAL LTD (NEW)   COMMON STOCK     902124106     2337    46628 SH
OTHER                 46628        0        0
U S WEST INC                   COMMON STOCK     91273H101      944    13000 SH
DEFINED               13000        0        0
U S WEST INC                   COMMON STOCK     91273H101      964    13272 SH
OTHER                 13272        0        0
UAL CORP                       COMMON STOCK     902549500       48      800 SH
OTHER                   800        0        0
UGI CORPORATION NEW            COMMON STOCK     902681105       11      500 SH
OTHER                   500        0        0
UNICOM CORP                    COMMON STOCK     904911104       21      581 SH
DEFINED                 581        0        0
UNICOM CORP                    COMMON STOCK     904911104       12      339 SH
OTHER                   339        0        0
UNION CARBIDE CORP             COMMON STOCK     905581104       58     1000 SH
DEFINED                1000        0        0
UNION CARBIDE CORP             COMMON STOCK     905581104        9      150 SH
OTHER                   150        0        0
UNION PACIFIC CORP             COMMON STOCK     907818108      293     7484 SH
DEFINED                7484        0        0
UNION PACIFIC CORP             COMMON STOCK     907818108      734    18763 SH
OTHER                 18763        0        0
UNION PACIFIC RESOURCES GROUP  COMMON STOCK     907834105       48     3343 SH
DEFINED                3343        0        0
UNION PACIFIC RESOURCES GROUP  COMMON STOCK     907834105      122     8384 SH
OTHER                  8384        0        0
UNION PLANTERS CORP            COMMON STOCK     908068109      487    15812 SH
DEFINED               15712        0      100
UNION PLANTERS CORP            COMMON STOCK     908068109      188     6114 SH
OTHER                  6114        0        0
UNISYS CORP                    COMMON STOCK     909214108       21      800 SH
DEFINED                 800        0        0
UNITED DOMINION REALTY TRUST I COMMON STOCK     910197102       20     2000 SH
OTHER                  2000        0        0
UNITED HEALTHCARE CORP         COMMON STOCK     910581107       30      500 SH
DEFINED                 500        0        0
UNITED HEALTHCARE CORP         COMMON STOCK     910581107       24      400 SH
OTHER                   400        0        0
UNITED PARCEL SERVICE CL B     COMMON STOCK     911312106       31      500 SH
DEFINED                 500        0        0
UNITED PARCEL SERVICE CL B     COMMON STOCK     911312106       63     1000 SH
OTHER                  1000        0        0
UNITED TECHNOLOGIES CORP       COMMON STOCK     913017109       95     1500 SH
DEFINED                1500        0        0
UNITED TECHNOLOGIES CORP       COMMON STOCK     913017109      722    11428 SH
OTHER                 11428        0        0
UNITED WATER RESOURCES INC     COMMON STOCK     913190104       36     1050 SH
OTHER                  1050        0        0
UNITRIN INC                    COMMON STOCK     913275103      111     2800 SH
DEFINED                2800        0        0
UNITRIN INC                    COMMON STOCK     913275103       49     1230 SH
OTHER                  1230        0        0
UNIVERSAL CORP VA              COMMON STOCK     913456109       37     2475 SH
DEFINED                2475        0        0
UNOCAL CORP                    COMMON STOCK     915289102       22      750 SH
DEFINED                 750        0        0
UNOCAL CORP                    COMMON STOCK     915289102       18      600 SH
OTHER                   600        0        0
US AIRWAYS GROUP INC           COMMON STOCK     911905107       28     1000 SH
OTHER                  1000        0        0
UST INC                        COMMON STOCK     902911106       53     3400 SH
OTHER                  3400        0        0
USX-MARATHON GROUP             COMMON STOCK     902905827      117     4500 SH
DEFINED                4500        0        0
USX-MARATHON GROUP             COMMON STOCK     902905827        8      300 SH
OTHER                   300        0        0
USX-US STEEL GROUP             COMMON STOCK     90337T101        3      100 SH
OTHER                   100        0        0
UTILICORP UNITED INC           COMMON STOCK     918005109      206    11398 SH
DEFINED               11398        0        0
UTILICORP UNITED INC           COMMON STOCK     918005109       17      950 SH
OTHER                   950        0        0
VEECO INSTRUMENTS INC          COMMON STOCK     922417100      163     2200 SH
OTHER                  2200        0        0
VERTICALNET INC                COMMON STOCK     92532L107       10       75 SH
OTHER                    75        0        0
VIACOM INC CL A                COMMON STOCK     925524100      105     1960 SH
DEFINED                1960        0        0
VIACOM INC CL A                COMMON STOCK     925524100      174     3260 SH
OTHER                  3260        0        0
VITESSE SEMICONDUCTOR CORP     COMMON STOCK     928497106       67      700 SH
OTHER                   700        0        0
VLASIC FOODS INTERNATIONAL INC COMMON STOCK     928559103        0       55 SH
OTHER                    55        0        0
W R GRACE & COMPANY NEW        COMMON STOCK     38388F108        5      400 SH
OTHER                   400        0        0
WACHOVIA CORP NEW              COMMON STOCK     929771103       68     1000 SH
DEFINED                1000        0        0
WAL MART STORES INC            COMMON STOCK     931142103     5155    91235 SH
DEFINED               91085        0      150
WAL MART STORES INC            COMMON STOCK     931142103     9296   164523 SH
OTHER                160723        0     3800
WALGREEN CO                    COMMON STOCK     931422109     1110    43125 SH
DEFINED               41525        0     1600
WALGREEN CO                    COMMON STOCK     931422109     2236    86850 SH
OTHER                 86850        0        0
WARNACO GROUP INC CL A         COMMON STOCK     934390105       28     2400 SH
OTHER                  2400        0        0
WARNER LAMBERT CO              COMMON STOCK     934488107      708     7250 SH
DEFINED                6950        0      300
WARNER LAMBERT CO              COMMON STOCK     934488107      917     9392 SH
OTHER                  9392        0        0
WASHINGTON GAS LIGHT CO        COMMON STOCK     938837101      299    11000 SH
OTHER                 11000        0        0
WASHINGTON MUTUAL INC          COMMON STOCK     939322103      120     4522 SH
DEFINED                4522        0        0
WASHINGTON MUTUAL INC          COMMON STOCK     939322103       35     1325 SH
OTHER                  1325        0        0
WASTE MANAGEMENT INC NEW       COMMON STOCK     94106L109       23     1700 SH
DEFINED                1700        0        0
WASTE MANAGEMENT INC NEW       COMMON STOCK     94106L109       44     3200 SH
OTHER                  3200        0        0
WATER PIK TECHNOLOGIES INC     COMMON STOCK     94113U100        1      134 SH
DEFINED                 134        0        0
WATSON PHARMACEUTICALS INC     COMMON STOCK     942683103       40     1000 SH
DEFINED                1000        0        0
WAUSAU-MOSINEE PAPER CORPORATI COMMON STOCK     943315101        1       85 SH
OTHER                    85        0        0
WEINGARTEN REALTY INVESTORS    COMMON STOCK     948741103       18      500 SH
DEFINED                 500        0        0
WEINGARTEN REALTY INVESTORS    COMMON STOCK     948741103       70     1900 SH
OTHER                  1900        0        0
WELLS FARGO COMPANY            COMMON STOCK     949746101      445    10925 SH
DEFINED               10925        0        0
WELLS FARGO COMPANY            COMMON STOCK     949746101      489    12010 SH
OTHER                 12010        0        0
WENDYS INTERNATIONAL           COMMON STOCK     950590109       24     1166 SH
OTHER                  1166        0        0
WESTERN PROPERTIES TRUST       COMMON STOCK     959261108       10     1000 SH
DEFINED                1000        0        0
WESTERN PROPERTIES TRUST       COMMON STOCK     959261108       31     3000 SH
OTHER                  3000        0        0
WESTERN RESOURCES INC          COMMON STOCK     959425109       36     2300 SH
DEFINED                2300        0        0
WESTERN RESOURCES INC          COMMON STOCK     959425109      193    12234 SH
OTHER                 11784        0      450
WESTFIELD AMERICA INC          COMMON STOCK     959910100       23     1725 SH
DEFINED                1725        0        0
WESTVACO CORP                  COMMON STOCK     961548104       20      600 SH
OTHER                   600        0        0
WEYERHAEUSER CO                COMMON STOCK     962166104       31      550 SH
OTHER                   550        0        0
WHIRLPOOL CORP                 COMMON STOCK     963320106        4       75 SH
OTHER                    75        0        0
WHITE MOUNTAINS INSURANCE GROU COMMON STOCK     G9618E107       13       95 SH
DEFINED                  95        0        0
WHITMAN CORPORATION NEW        COMMON STOCK     96647R107       14     1000 SH
OTHER                  1000        0        0
WILD OATS MARKETS INC          COMMON STOCK     96808B107        4      200 SH
OTHER                   200        0        0
WILLAMETTE INDUSTRIES INC      COMMON STOCK     969133107      140     3500 SH
OTHER                  3500        0        0
WILLIAMS COS INC               COMMON STOCK     969457100     1744    39695 SH
DEFINED               39695        0        0
WILLIAMS COS INC               COMMON STOCK     969457100      897    20426 SH
OTHER                 20426        0        0
WISCONSIN CENTRAL TRANS CORP   COMMON STOCK     976592105       16     1310 SH
DEFINED                1310        0        0
WISCONSIN ENERGY CORP          COMMON STOCK     976657106       38     1925 SH
DEFINED                1925        0        0
WISCONSIN ENERGY CORP          COMMON STOCK     976657106      330    16562 SH
OTHER                 16062        0      500
WORTHINGTON INDUSTRIES INC     COMMON STOCK     981811102        5      375 SH
OTHER                   375        0        0
WPS RESOURCES CORP             COMMON STOCK     92931B106      122     4700 SH
OTHER                  4700        0        0
WRIGLEY WM JR CO               COMMON STOCK     982526105       54      700 SH
DEFINED                 700        0        0
XEROX CORP                     COMMON STOCK     984121103       62     2400 SH
DEFINED                2400        0        0
XEROX CORP                     COMMON STOCK     984121103      264    10150 SH
OTHER                 10150        0        0
XILINX INC                     COMMON STOCK     983919101     2819    34040 SH
DEFINED               34040        0        0
XILINX INC                     COMMON STOCK     983919101      988    11930 SH
OTHER                 11930        0        0
XM SATELLITE RADIO HOLDINGS IN COMMON STOCK     983759101      119     3400 SH
DEFINED                3400        0        0
XM SATELLITE RADIO HOLDINGS IN COMMON STOCK     983759101       73     2080 SH
OTHER                  2080        0        0
YAHOO! INC                     COMMON STOCK     984332106      260     1520 SH
OTHER                  1520        0        0
ZOLTEK COS INC                 COMMON STOCK     98975W104       28     3000 SH
DEFINED                3000        0        0
ZOLTEK COS INC                 COMMON STOCK     98975W104        9     1000 SH
OTHER                  1000        0        0
3COM CORP                      COMMON STOCK     885535104       11      200 SH
OTHER                   200        0        0
99 CENTS ONLY STORES           COMMON STOCK     65440K106        5      133 SH
DEFINED                 133        0        0
ANGLOGOLD LTD ADR              COMMON STOCK     035128206        7      300 SH
OTHER                   300        0        0
BALLARD POWER SYSTEMS INC      COMMON STOCK     05858H104      247     2920 SH
DEFINED                2920        0        0
BALLARD POWER SYSTEMS INC      COMMON STOCK     05858H104      344     4072 SH
OTHER                  4072        0        0
BARRICK GOLD CORP              COMMON STOCK     067901108       20     1300 SH
DEFINED                1300        0        0
BP AMOCO PLC ADR               COMMON STOCK     055622104     1413    26542 SH
DEFINED               26542        0        0
BP AMOCO PLC ADR               COMMON STOCK     055622104     7868   147762 SH
OTHER                147662        0      100
BRITISH TELECOMMUNICATIONS P L COMMON STOCK     111021408       56      300 SH
OTHER                   300        0        0
CANADIAN NATIONAL RAILWAY CO   COMMON STOCK     136375102       53     2000 SH
OTHER                  2000        0        0
DAIMLERCHRYSLER AG ORD         COMMON STOCK     D1668R123      438     6700 SH
DEFINED                6700        0        0
DAIMLERCHRYSLER AG ORD         COMMON STOCK     D1668R123      195     2985 SH
OTHER                  2985        0        0
DURBAN ROODEPOORT DEEP LTD ADR COMMON STOCK     266597301       12     9200 SH
OTHER                  9200        0        0
ELAN CORP PLC ADR              COMMON STOCK     284131208      613    12910 SH
DEFINED               12910        0        0
ELAN CORP PLC ADR              COMMON STOCK     284131208       73     1530 SH
OTHER                  1530        0        0
FRESENIUS MEDICAL CARE ADR     COMMON STOCK     358029106       10      419 SH
OTHER                   419        0        0
GALLAHER GROUP PLC ADR         COMMON STOCK     363595109       45     2284 SH
DEFINED                2284        0        0
GALLAHER GROUP PLC ADR         COMMON STOCK     363595109       87     4429 SH
OTHER                  4429        0        0
GLAXO WELLCOME PLC SPONSORED A COMMON STOCK     37733W105       23      400 SH
OTHER                   400        0        0
GLOBAL CROSSING LTD            COMMON STOCK     G3921A100      636    15545 SH
DEFINED               15445        0      100
GOLDEN STAR RESOURCES LTD      COMMON STOCK     38119T104        3     3000 SH
OTHER                  3000        0        0
HARMONY GOLD MINING LTD ADR    COMMON STOCK     413216300       31     5100 SH
OTHER                  5100        0        0
LM ERICSSON TELEPHONE ADR      COMMON STOCK     294821400       19      200 SH
DEFINED                 200        0        0
LM ERICSSON TELEPHONE ADR      COMMON STOCK     294821400       38      400 SH
OTHER                   400        0        0
NOKIA CORPORATION ADR A        COMMON STOCK     654902204     1043     4700 SH
DEFINED                4700        0        0
NOKIA CORPORATION ADR A        COMMON STOCK     654902204      411     1850 SH
OTHER                  1850        0        0
NORTEL INVERSORA S A ADR       COMMON STOCK     656567401        2      100 SH
DEFINED                 100        0        0
NORTEL NETWORKS CORP           COMMON STOCK     656569100       95      750 SH
DEFINED                 750        0        0
NORTEL NETWORKS CORP           COMMON STOCK     656569100       30      240 SH
OTHER                   240        0        0
PAN AMERICAN SILVER CORPORATIO COMMON STOCK     697900108        5     1200 SH
OTHER                  1200        0        0
PHILIPPINE LONG DISTANCE TEL C COMMON STOCK     718252604       90     4084 SH
DEFINED                4084        0        0
PLACER DOME INC                COMMON STOCK     725906101       21     2550 SH
DEFINED                2550        0        0
ROYAL DUTCH PETROLEUM COMPANY  COMMON STOCK     780257804      445     7700 SH
DEFINED                7700        0        0
ROYAL DUTCH PETROLEUM COMPANY  COMMON STOCK     780257804     8832   152764 SH
OTHER                152764        0        0
SCOTTISH POWER PLC ADR         COMMON STOCK     81013T705       83     2610 SH
DEFINED                2610        0        0
SCOTTISH POWER PLC ADR         COMMON STOCK     81013T705      103     3265 SH
OTHER                  3265        0        0
SMITHKLINE BEECHAM PLC ADR     COMMON STOCK     832378301     1573    23810 SH
DEFINED               23810        0        0
SMITHKLINE BEECHAM PLC ADR     COMMON STOCK     832378301      704    10650 SH
OTHER                  7050        0     3600
TELEFONICA S A ADR             COMMON STOCK     879382208       24      324 SH
DEFINED                 324        0        0
TELEFONICA S A ADR             COMMON STOCK     879382208       24      318 SH
OTHER                   318        0        0
TELEFONOS DE MEXICO S ADR REP  COMMON STOCK     879403780       17      250 SH
DEFINED                 250        0        0
TELEFONOS DE MEXICO S ADR REP  COMMON STOCK     879403780      200     3000 SH
OTHER                  3000        0        0
VODAFONE AIRTOUCH PLC SPONSORE COMMON STOCK     92857T107      133     2390 SH
DEFINED                2390        0        0
VODAFONE AIRTOUCH PLC SPONSORE COMMON STOCK     92857T107      653    11760 SH
OTHER                 11760        0        0
SEALED AIR CORP NEW CONV PFD A PREFERRED STOCK  81211K209       10      190 SH
OTHER               N.A.     N.A.     N.A.
BARCLAYS BANK PLC PFD ADR D 11 PREFERRED STOCK  06738C802       10      400 SH
OTHER               N.A.     N.A.     N.A.
ROYAL BANK SCOTLAND PLC PFD D  PREFERRED STOCK  780097606       91     4000 SH
OTHER               N.A.     N.A.     N.A.
ROYAL BK SCOTLAND GROUP PLC PF PREFERRED STOCK  780097408       46     2000 SH
DEFINED             N.A.     N.A.     N.A.
ROYAL BK SCOTLAND GROUP PLC PF PREFERRED STOCK  780097408       23     1000 SH
OTHER               N.A.     N.A.     N.A.
NATL AUSTRALIA BK LTD CNV PFD  PREFERRED STOCK  632525309       10      400 SH
DEFINED             N.A.     N.A.     N.A.
KERR-MCGEE CORPORATION  7.5% 5 OTHER            492386AL1      108   114000 PRN
DEFINED             N.A.     N.A.     N.A.
ACM GOVERNMENT INCOME FUND     OTHER            000912105        4      500 SH
OTHER               N.A.     N.A.     N.A.
BLACKROCK TARGET TERM TRUST IN OTHER            092476100        2      200 SH
OTHER               N.A.     N.A.     N.A.
BLACKROCK 2001 TERM TR INC     OTHER            092477108       45     5000 SH
DEFINED             N.A.     N.A.     N.A.
BLACKROCK 2001 TERM TR INC     OTHER            092477108        2      200 SH
OTHER               N.A.     N.A.     N.A.
DUFF & PHELPS UTILITIES INCOME OTHER            264324104       36     4068 SH
OTHER               N.A.     N.A.     N.A.
HIGH INCOME OPPORTUNITY FUND   OTHER            42967Q105        7      800 SH
OTHER               N.A.     N.A.     N.A.
KEMPER HIGH INCOME TRUST       OTHER            48841G106       12     1500 SH
OTHER               N.A.     N.A.     N.A.
KEMPER MULTIMARKET INCOME TRUS OTHER            48842B106       21     2589 SH
DEFINED             N.A.     N.A.     N.A.
KEMPER MULTIMARKET INCOME TRUS OTHER            48842B106       11     1375 SH
OTHER               N.A.     N.A.     N.A.
PILGRIM PRIME RATE TRUST       OTHER            72146W103       48     6012 SH
OTHER               N.A.     N.A.     N.A.
PUTNAM MANAGED MUNI INCOME TR  OTHER            746823103        9     1000 SH
OTHER               N.A.     N.A.     N.A.
TCW/DW TERM TR 2003            OTHER            87234U108       30     3400 SH
OTHER               N.A.     N.A.     N.A.
VAN KAMPEN AMER CAP INV GRD MU OTHER            920915105        2      200 SH
OTHER               N.A.     N.A.     N.A.
ALLIANCE WORLD DOLLAR GOVT FD  OTHER            01879R106        6      689 SH
DEFINED             N.A.     N.A.     N.A.
FIRST COMMONWEALTH FUND        OTHER            31983F102        7      700 SH
OTHER               N.A.     N.A.     N.A.
FRANKLIN TEMPLETON GLOBAL INCO OTHER            880198106        6     1000 SH
DEFINED             N.A.     N.A.     N.A.
GLOBAL PARTNERS INCOME FUND    OTHER            37935R102       46     4500 SH
DEFINED             N.A.     N.A.     N.A.
PUTNAM PREMIER INCOME TRUST    OTHER            746853100        9     1500 SH
OTHER               N.A.     N.A.     N.A.
TEMPLETON GLOBAL GOVTS INCOME  OTHER            879929107       11     1900 SH
OTHER               N.A.     N.A.     N.A.
EQUITY INC FD UNIT 1ST EXCH SE OTHER            294700703      366     1860 SH
DEFINED             N.A.     N.A.     N.A.
NUVEEN INSURED QUALITY MUNI FD OTHER            67062N103       23     1666 SH
OTHER               N.A.     N.A.     N.A.
NUVEEN INVT QUALITY MUNI FD IN OTHER            67062E103       12      925 SH
OTHER               N.A.     N.A.     N.A.
NUVEEN MUNICIPAL VALUE FUND IN OTHER            670928100        0        9 SH
DEFINED             N.A.     N.A.     N.A.
NUVEEN PERFORMANCE PLUS MUN FD OTHER            67062P108       23     1900 SH
DEFINED             N.A.     N.A.     N.A.
NUVEEN PREM INCOME MUN FD SER  OTHER            6706K4105        8      666 SH
DEFINED             N.A.     N.A.     N.A.
NUVEEN PREM INCOME MUN FD 2 IN OTHER            67063W102       27     2000 SH
DEFINED             N.A.     N.A.     N.A.
NUVEEN PREM INCOME MUN FD 2 IN OTHER            67063W102       22     1666 SH
OTHER               N.A.     N.A.     N.A.
NUVEEN SELECT QUALITY MUN FD I OTHER            670973106       16     1220 SH
DEFINED             N.A.     N.A.     N.A.
NUVEEN SELECT TAX FREE INC PTF OTHER            67063X100        9      700 SH
OTHER               N.A.     N.A.     N.A.
NUVEEN SELECT TAX-FREE INCOME  OTHER            67062F100       33     2425 SH
DEFINED             N.A.     N.A.     N.A.
NUVEEN SELECT TAX-FREE INCOME  OTHER            67062F100       32     2360 SH
OTHER               N.A.     N.A.     N.A.
GENERAL AMERICAN INVESTORS INC OTHER            368802104       83     2100 SH
DEFINED             N.A.     N.A.     N.A.
LIBERTY ALL STAR EQUITY FUND   OTHER            530158104       20     1743 SH
OTHER               N.A.     N.A.     N.A.
NASDAQ-100 STOCK INDEX SPDR    OTHER            631100104       42      380 SH
DEFINED             N.A.     N.A.     N.A.
NASDAQ-100 STOCK INDEX SPDR    OTHER            631100104       63      575 SH
OTHER               N.A.     N.A.     N.A.
PETROLEUM & RESOURCES CORP     OTHER            716549100       11      292 SH
OTHER               N.A.     N.A.     N.A.
SALOMON BROTHERS FUND INC      OTHER            795477108      728    36860 SH
DEFINED             N.A.     N.A.     N.A.
SALOMON BROTHERS FUND INC      OTHER            795477108       15      765 SH
OTHER               N.A.     N.A.     N.A.
TRI-CONTINENTAL CORP FUND      OTHER            895436103       12      467 SH
DEFINED             N.A.     N.A.     N.A.
TRI-CONTINENTAL CORP FUND      OTHER            895436103       12      486 SH
OTHER               N.A.     N.A.     N.A.
ASA LIMITED                    OTHER            002050102        2      100 SH
OTHER               N.A.     N.A.     N.A.
CENTRAL FUND OF CANADA LTD CL  OTHER            153501101       13     3800 SH
OTHER               N.A.     N.A.     N.A.
ACM MUNICIPAL SECURITIES INCOM OTHER            000942102       11     1010 SH
OTHER               N.A.     N.A.     N.A.
DREYFUS MUNICIPAL INCOME       OTHER            26201R102        4      551 SH
OTHER               N.A.     N.A.     N.A.
DREYFUS STRATEGIC MUNI BOND FU OTHER            26202F107        8     1018 SH
OTHER               N.A.     N.A.     N.A.
DREYFUS STRATEGIC MUNICIPALS F OTHER            261932107       18     2275 SH
OTHER               N.A.     N.A.     N.A.
MFS MUNICIPAL INCOME TRUST     OTHER            552738106       11     1500 SH
OTHER               N.A.     N.A.     N.A.
MSDW CALIFORNIA INSD MUNI INCM OTHER            61745P502       84     6500 SH
OTHER               N.A.     N.A.     N.A.
MUNICIPAL ADVANTAGE FD INC     OTHER            626189104      112    10000 SH
OTHER               N.A.     N.A.     N.A.
MUNIENHANCED FUND INC          OTHER            626243109       14     1500 SH
DEFINED             N.A.     N.A.     N.A.
MUNIVEST FUND INC              OTHER            626295109       55     7000 SH
DEFINED             N.A.     N.A.     N.A.
MUNIYIELD INSURED FUND INC     OTHER            62630E107       79     6459 SH
DEFINED             N.A.     N.A.     N.A.
NUVEEN CALIFORNIA MUNI VALUE F OTHER            67062C107       39     4350 SH
OTHER               N.A.     N.A.     N.A.
NUVEEN MO PREMIUM INCOME MUNI  OTHER            67060Q108        9      690 SH
DEFINED             N.A.     N.A.     N.A.
NUVEEN MO PREMIUM INCOME MUNI  OTHER            67060Q108       30     2235 SH
OTHER               N.A.     N.A.     N.A.
NUVEEN PREMIUM INCOME MUNICIPA OTHER            67062T100       11      913 SH
OTHER               N.A.     N.A.     N.A.
NUVEEN SELECT MATURITIES MUNI  OTHER            67061T101        9      850 SH
OTHER               N.A.     N.A.     N.A.
VAN KAMPEN MUNICIPAL TRUST     OTHER            920919107       44     3422 SH
DEFINED             N.A.     N.A.     N.A.
</TABLE>


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