SUMMIT BANK
13F-HR, 1999-08-18
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[DESCRIPTION]           FORM 13F
                                                 UNITED STATES
                                       SECURITIES AND EXCHANGE COMMISSION
                                            Washington, D.C.  20549
                                                    FORM 13F
                                              FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: 06/30/1999

Check here if Amendment       [ ]             Amendment Number:

This Amendment                [ ]             is a restatement
                              [ ]             adds new holding entries

Institutional Investment Manager Filing this Report:

Name:       SUMMIT BANK
Address:    210 MAIN STREET
            HACKENSACK, NJ 07601


13F File Number: 28-01123

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 intergral parts of
this form.

Person Signing this Report on Behalf of Reporting Manager:

Name: HILTON JERVEY
Title: SENIOR VICE PRESIDENT
Phone: 201-646-5230
Signature, Place, and Date of Signing:

1    HACKENSACK NJ    08/13/1999

Report Type     (Check only one)
                [X]            13F HOLDINGS REPORT
                [ ]            13F NOTICE
                [ ]            13F COMBINATION REPORT


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:           969
Form 13F Information Table Value Total:           $ 3,245,378

List of Other Included Managers:

NONE

<TABLE>                                            <C>                         <C>
FORM 13F INFORMATION TABLE
                                   TITLE                   VALUE        SHARES/      SH/ PUT/
  NAME OF ISSUER                   OF CLASS        CUSIP    (X $1000)    PRN AMOUNT   PRN CALL
  SECURITY NAME                    SUBCLASS

  A C MOORE ARTS & CRAFTS          COMMON STOCK    00086T103          56        10000 SH
  AT&T                             COMMON STOCK    001957109       23189       415481 SH
  AT&T                             COMMON STOCK    001957109        1408        25226 SH
  AT&T                             COMMON STOCK    001957109        5299        94946 SH
  ABBOTT LABS                      COMMON STOCK    002824100        6280       138398 SH
  ABBOTT LABS                      COMMON STOCK    002824100          73         1600 SH
  ABBOTT LABS                      COMMON STOCK    002824100        5979       131770 SH
  ACCLAIM ENMNT                    COMMON STOCK    004325205          96        15000 SH
  AETNA                            COMMON STOCK    008117103        1007        11258 SH
  AETNA                            COMMON STOCK    008117103         143         1600 SH
  AIR PRODUCTS & CHEMICALS         COMMON STOCK    009158106        7386       183500 SH
  AIR PRODUCTS & CHEMICALS         COMMON STOCK    009158106         394         9800 SH
  ALBERTSONS                       COMMON STOCK    013104104         134         2608 SH
  ALBERTSONS                       COMMON STOCK    013104104          77         1500 SH
  ALLEGHENY ENERGY                 COMMON STOCK    017361106         259         8070 SH
  ALLEGHENY ENERGY                 COMMON STOCK    017361106          13          400 SH
  ALLEGHENY ENERGY                 COMMON STOCK    017361106          26          800 SH
  ALLEGHENY TELEDYNE               COMMON STOCK    017415100         679        30000 SH
  ALLERGAN                         COMMON STOCK    018490102         855         7704 SH
  ALLIANCE CAPITAL MGMT            COMMON STOCK    018548107        1570        48600 SH
  ALLIANCE CAPITAL MGMT            COMMON STOCK    018548107         123         3800 SH
  ALLIANCE CAPITAL MGMT            COMMON STOCK    018548107        1263        39080 SH
  ALLIED IRISH BANKS PLC           COMMON STOCK    019228402         229         8400 SH
  ALLIED IRISH BANKS PLC           COMMON STOCK    019228402         139         5100 SH
  ALLIED SIGNAL                    COMMON STOCK    019512102        4195        66586 SH
  ALLIED SIGNAL                    COMMON STOCK    019512102         113         1800 SH
  ALLIED SIGNAL                    COMMON STOCK    019512102         575         9134 SH
  ALLIED WASTE INDS                COMMON STOCK    019589308         974        49300 SH
  ALLSTATE                         COMMON STOCK    020002101        2844        79268 SH
  ALLSTATE                         COMMON STOCK    020002101          69         1926 SH
  ALLSTATE                         COMMON STOCK    020002101         177         4946 SH
  ALLTELL                          COMMON STOCK    020039103        3563        49827 SH
  ALLTELL                          COMMON STOCK    020039103         135         1885 SH
  ALTERA                           COMMON STOCK    021441100        1068        29000 SH
  ALZA                             COMMON STOCK    022615108         324         6375 SH
  AMERICA ONLINE                   COMMON STOCK    02364J104       20150       183178 SH
  AMERICA ONLINE                   COMMON STOCK    02364J104        1051         9550 SH
  AMERICA ONLINE                   COMMON STOCK    02364J104        3904        35487 SH
  AMERICAN ELECTRIC POWER          COMMON STOCK    025537101         380        10106 SH
  AMERICAN ELECTRIC POWER          COMMON STOCK    025537101          40         1059 SH
  AMERICAN ELECTRIC POWER          COMMON STOCK    025537101         870        23167 SH
  AMERICAN EXPRESS                 COMMON STOCK    025816109       15414       118456 SH
  AMERICAN EXPRESS                 COMMON STOCK    025816109        4264        32771 SH
  AMERICAN FINL GROUP INC          COMMON STOCK    025932104         341        10000 SH
  AMERICAN GENERAL                 COMMON STOCK    026351106        2810        37280 SH
  AMERICAN GENERAL                 COMMON STOCK    026351106         188         2490 SH
  AMERICAN HOME PRODUCTS           COMMON STOCK    026609107       27431       478097 SH
  AMERICAN HOME PRODUCTS           COMMON STOCK    026609107         932        16240 SH
  AMERICAN HOME PRODUCTS           COMMON STOCK    026609107        8236       143551 SH
  AMERICAN INTL GROUP              COMMON STOCK    026874107       50808       433333 SH
  AMERICAN INTL GROUP              COMMON STOCK    026874107        1359        11593 SH
  AMERICAN INTL GROUP              COMMON STOCK    026874107       10066        85848 SH
  AMERICAN POWER CONVERSION        COMMON STOCK    029066107        1291        64150 SH
  AMERICAN POWER CONVERSION        COMMON STOCK    029066107         205        10200 SH
  AMERICAN POWER CONVERSION        COMMON STOCK    029066107         370        18400 SH
  AMERICAN WATER WORKS             COMMON STOCK    030411102         219         7109 SH
  AMERITECH                        COMMON STOCK    030954101       20160       274290 SH
  AMERITECH                        COMMON STOCK    030954101        1111        15120 SH
  AMERITECH                        COMMON STOCK    030954101        4953        67392 SH
  AMGEN                            COMMON STOCK    031162100        1084        17800 SH
  AMGEN                            COMMON STOCK    031162100          24          400 SH
  AMGEN                            COMMON STOCK    031162100         207         3400 SH
  ANALOG DEVICES                   COMMON STOCK    032654105         217         4315 SH
  ANHEUSER BUSCH                   COMMON STOCK    035229103        1862        26253 SH
  ANHEUSER BUSCH                   COMMON STOCK    035229103          57          800 SH
  ANHEUSER BUSCH                   COMMON STOCK    035229103        1129        15914 SH
  APPLIED MATERIALS                COMMON STOCK    038222105        7938       107450 SH
  APPLIED MATERIALS                COMMON STOCK    038222105          15          200 SH
  AQUIS COMMUNICATIONS GROUP       COMMON STOCK    038399101          11        10000 SH
  ASSOCIATES FIRST CAPITAL CRP     COMMON STOCK    046008108         766        17360 SH
  ASSOCIATES FIRST CAPITAL CRP     COMMON STOCK    046008108          18          400 SH
  ASSOCIATES FIRST CAPITAL CRP     COMMON STOCK    046008108          61         1386 SH
  ATLANTIC RICHFIELD               COMMON STOCK    048825103       16444       196783 SH
  ATLANTIC RICHFIELD               COMMON STOCK    048825103         127         1514 SH
  ATLANTIC RICHFIELD               COMMON STOCK    048825103        2885        34530 SH
  AUTOMATIC DATA PROCESSING        COMMON STOCK    053015103       18444       419175 SH
  AUTOMATIC DATA PROCESSING        COMMON STOCK    053015103         873        19840 SH
  AUTOMATIC DATA PROCESSING        COMMON STOCK    053015103        6247       141977 SH
  AVERY DENNISON                   COMMON STOCK    053611109        1005        16650 SH
  AVERY DENNISON                   COMMON STOCK    053611109         109         1800 SH
  AVERY DENNISON                   COMMON STOCK    053611109         181         3000 SH
  AVON PRODUCTS                    COMMON STOCK    054303102         188         3390 SH
  AVON PRODUCTS                    COMMON STOCK    054303102         488         8800 SH
  BB&T CORP                        COMMON STOCK    054937107          66         1800 SH
  BB&T CORP                        COMMON STOCK    054937107         207         5652 SH
  BP AMOCO PLC                     COMMON STOCK    055622104       24140       222485 SH
  BP AMOCO PLC                     COMMON STOCK    055622104        1178        10856 SH
  BP AMOCO PLC                     COMMON STOCK    055622104        6583        60673 SH
  BP AMOCO PLC                     COMMON STOCK    055622104          11          100 SH
  BSB BANCORP                      COMMON STOCK    055652101         659        24419 SH
  BAKER FENTRESS                   MUTUAL FUNDS-EQ 057213100         877        46173 SH
  BAKER FENTRESS                   MUTUAL FUNDS-EQ 057213100        2022       106422 SH
  BANK AMER                        COMMON STOCK    060505104       12102       165078 SH
  BANK AMER                        COMMON STOCK    060505104        2847        38837 SH
  BANK OF NY                       COMMON STOCK    064057102       28599       779539 SH
  BANK OF NY                       COMMON STOCK    064057102         103         2800 SH
  BANK OF NY                       COMMON STOCK    064057102        2664        72616 SH
  BANK ONE                         COMMON STOCK    06423A103        5805        97463 SH
  BANK ONE                         COMMON STOCK    06423A103          60         1005 SH
  BANK ONE                         COMMON STOCK    06423A103         264         4435 SH
  BANKBOSTON CORP                  COMMON STOCK    06605R106         327         6392 SH
  BANKBOSTON CORP                  COMMON STOCK    06605R106          11          216 SH
  BARD C R                         COMMON STOCK    067383109         128         2672 SH
  BARD C R                         COMMON STOCK    067383109          33          700 SH
  BARD C R                         COMMON STOCK    067383109         158         3300 SH
  BAXTER INTL                      COMMON STOCK    071813109        4104        67703 SH
  BAXTER INTL                      COMMON STOCK    071813109          24          400 SH
  BAXTER INTL                      COMMON STOCK    071813109         127         2100 SH
  BEAR STEARNS                     COMMON STOCK    073902108         307         6566 SH
  BEAR STEARNS                     COMMON STOCK    073902108          42          905 SH
  BECTON DICKINSON & CO            COMMON STOCK    075887109        4952       165055 SH
  BECTON DICKINSON & CO            COMMON STOCK    075887109         351        11700 SH
  BELL ATLANTIC                    COMMON STOCK    077853109       20366       311521 SH
  BELL ATLANTIC                    COMMON STOCK    077853109        1252        19152 SH
  BELL ATLANTIC                    COMMON STOCK    077853109       11880       181714 SH
  BELLSOUTH                        COMMON STOCK    079860102       34818       754851 SH
  BELLSOUTH                        COMMON STOCK    079860102        1146        24852 SH
  BELLSOUTH                        COMMON STOCK    079860102       10532       228328 SH
  BELLSOUTH                        COMMON STOCK    079860102          18          400 SH
  BERKSHIRE                        COMMON STOCK    084670108         551            8 SH
  BERKSHIRE                        COMMON STOCK    084670108          69            1 SH
  BERKSHIRE                        COMMON STOCK    084670207        3806         1699 SH
  BERKSHIRE                        COMMON STOCK    084670207          11            5 SH
  BERKSHIRE                        COMMON STOCK    084670207        2516         1123 SH
  BESTFOODS                        COMMON STOCK    08658U101       18676       377293 SH
  BESTFOODS                        COMMON STOCK    08658U101         605        12216 SH
  BESTFOODS                        COMMON STOCK    08658U101        2208        44616 SH
  BESTFOODS                        COMMON STOCK    08658U101           5          100 SH
  BIOMET                           COMMON STOCK    090613100         223         5620 SH
  BLACK BOX CORP DEL               COMMON STOCK    091826107         238         4750 SH
  BLUE CHIP VALUE FD               COMMON STOCK    095333100         167        16450 SH
  BOEING                           COMMON STOCK    097023105         819        18614 SH
  BOEING                           COMMON STOCK    097023105        1520        34548 SH
  BOSTON SCIENTIFIC                COMMON STOCK    101137107         400         9100 SH
  BOSTON SCIENTIFIC                COMMON STOCK    101137107         123         2800 SH
  BRISTOL MYERS SQUIBB             COMMON STOCK    110122108       48859       693646 SH
  BRISTOL MYERS SQUIBB             COMMON STOCK    110122108        1564        22200 SH
  BRISTOL MYERS SQUIBB             COMMON STOCK    110122108       16950       240644 SH
  BROAD NATIONAL BANCORP           COMMON STOCK    111239109         549        21620 SH
  BROWNING FERRIS                  COMMON STOCK    115885105        1765        41046 SH
  BURLINGTON NORTHERN SANTA FE     COMMON STOCK    12189T104        9576       308903 SH
  BURLINGTON NORTHERN SANTA FE     COMMON STOCK    12189T104          47         1500 SH
  BURLINGTON NORTHERN SANTA FE     COMMON STOCK    12189T104         454        14640 SH
  BURLINGTON RESOURCES             COMMON STOCK    122014103         318         7350 SH
  BURLINGTON RESOURCES             COMMON STOCK    122014103          66         1525 SH
  BURLINGTON RESOURCES             COMMON STOCK    122014103         105         2424 SH
  CBS                              COMMON STOCK    12490K107         310         7117 SH
  CBS                              COMMON STOCK    12490K107          41          930 SH
  CBS                              COMMON STOCK    12490K107          15          344 SH
  CIGNA                            COMMON STOCK    125509109        2170        24383 SH
  CIGNA                            COMMON STOCK    125509109         178         2000 SH
  CIGNA                            COMMON STOCK    125509109         703         7900 SH
  CNF TRANSPORTATION               COMMON STOCK    12612W104         770        20000 SH
  CSX                              COMMON STOCK    126408103        2976        65596 SH
  CSX                              COMMON STOCK    126408103          82         1800 SH
  CSX                              COMMON STOCK    126408103         272         6000 SH
  CVS                              COMMON STOCK    126650100         792        15600 SH
  CVS                              COMMON STOCK    126650100         216         4250 SH
  CAMPBELL SOUP                    COMMON STOCK    134429109        1210        26100 SH
  CAMPBELL SOUP                    COMMON STOCK    134429109        1013        21850 SH
  CARDINAL HEALTH                  COMMON STOCK    14149Y108         454         7086 SH
  CARNIVAL                         COMMON STOCK    143658102       10187       210050 SH
  CARNIVAL                         COMMON STOCK    143658102         136         2800 SH
  CARNIVAL                         COMMON STOCK    143658102         192         3950 SH
  CAROLINA PWR & LT                COMMON STOCK    144141108         457        10680 SH
  CAROLINA PWR & LT                COMMON STOCK    144141108          51         1200 SH
  CATERPILLAR                      COMMON STOCK    149123101         630        10500 SH
  CATERPILLAR                      COMMON STOCK    149123101         492         8195 SH
  CENDANT                          COMMON STOCK    151313103         647        31585 SH
  CENTOCOR                         COMMON STOCK    152342101         332         7125 SH
  CENTRAL & SOUTHWEST              COMMON STOCK    152357109         150         6433 SH
  CENTRAL & SOUTHWEST              COMMON STOCK    152357109          47         2000 SH
  CENTRAL & SOUTHWEST              COMMON STOCK    152357109         110         4700 SH
  CENTURYTEL                       COMMON STOCK    156700106         557        14005 SH
  CHASE MANHATTAN                  COMMON STOCK    16161A108       14981       173192 SH
  CHASE MANHATTAN                  COMMON STOCK    16161A108         441         5100 SH
  CHASE MANHATTAN                  COMMON STOCK    16161A108         613         7082 SH
  CHEVRON                          COMMON STOCK    166751107        6951        73122 SH
  CHEVRON                          COMMON STOCK    166751107         470         4940 SH
  CHEVRON                          COMMON STOCK    166751107        1511        15893 SH
  CHIRON                           COMMON STOCK    170040109         569        27425 SH
  CHIRON                           COMMON STOCK    170040109         104         5000 SH
  CHUBB                            COMMON STOCK    171232101         858        12350 SH
  CHUBB                            COMMON STOCK    171232101        1609        23157 SH
  CINCINNATI BELL                  COMMON STOCK    171870108          65         2600 SH
  CINCINNATI BELL                  COMMON STOCK    171870108         324        13000 SH
  CIRCUIT CITY                     COMMON STOCK    172737108         521         5600 SH
  CIRCUIT CITY                     COMMON STOCK    172737108          47          500 SH
  CISCO SYSTEMS                    COMMON STOCK    17275R102       37451       581202 SH
  CISCO SYSTEMS                    COMMON STOCK    17275R102        1173        18204 SH
  CISCO SYSTEMS                    COMMON STOCK    17275R102        4704        72996 SH
  CINTAS                           COMMON STOCK    172908105         461         6860 SH
  CINTAS                           COMMON STOCK    172908105          40          600 SH
  CITIGROUP                        COMMON STOCK    172967101       19579       412186 SH
  CITIGROUP                        COMMON STOCK    172967101         980        20624 SH
  CITIGROUP                        COMMON STOCK    172967101        1634        34401 SH
  CLOROX                           COMMON STOCK    189054109        1778        16649 SH
  CLOROX                           COMMON STOCK    189054109         449         4200 SH
  COCA COLA                        COMMON STOCK    191216100       16789       270792 SH
  COCA COLA                        COMMON STOCK    191216100         564         9090 SH
  COCA COLA                        COMMON STOCK    191216100       12530       202090 SH
  COLGATE PALMOLIVE                COMMON STOCK    194162103       18039       183140 SH
  COLGATE PALMOLIVE                COMMON STOCK    194162103          39          400 SH
  COLGATE PALMOLIVE                COMMON STOCK    194162103        1838        18655 SH
  COLUMBIA ENERGY GROUP            COMMON STOCK    197648108        1269        20250 SH
  COMDISCO INC                     COMMON STOCK    200336105        1201        46875 SH
  COMERICA                         COMMON STOCK    200340107         317         5325 SH
  COMERICA                         COMMON STOCK    200340107         334         5620 SH
  COMPAQ COMPUTER                  COMMON STOCK    204493100        4485       189358 SH
  COMPAQ COMPUTER                  COMMON STOCK    204493100          85         3600 SH
  COMPAQ COMPUTER                  COMMON STOCK    204493100         909        38370 SH
  COMPUTER ASSOCIATES              COMMON STOCK    204912109        2517        45964 SH
  COMPUTER ASSOCIATES              COMMON STOCK    204912109         131         2400 SH
  COMPUTER ASSOCIATES              COMMON STOCK    204912109         799        14587 SH
  COMPUWARE                        COMMON STOCK    205638109        2265        71200 SH
  CONAGRA                          COMMON STOCK    205887102         156         5850 SH
  CONAGRA                          COMMON STOCK    205887102           6          226 SH
  CONAGRA                          COMMON STOCK    205887102         731        27450 SH
  CONECTIV                         COMMON STOCK    206829103         246        10083 SH
  CONECTIV                         COMMON STOCK    206829103          72         2950 SH
  CONEXANT                         COMMON STOCK    207142100         243         4188 SH
  CONEXANT                         COMMON STOCK    207142100          35          600 SH
  CONEXANT                         COMMON STOCK    207142100         192         3300 SH
  CONEXANT                         COMMON STOCK    207142100          44          758 SH
  CONSECO                          COMMON STOCK    208464107         261         8581 SH
  CONSECO                          COMMON STOCK    208464107          58         1894 SH
  CONSECO                          COMMON STOCK    208464107         155         5100 SH
  CONSECO                          CONVERTIBLE PRE 208464602          29          715 SH
  CONSECO                          CONVERTIBLE PRE 208464602          98         2450 SH
  CONSECO                          CONVERTIBLE PRE 208464602         137         3400 SH
  CONSOLIDATED EDISON              COMMON STOCK    209115104        1611        35602 SH
  CONSOLIDATED EDISON              COMMON STOCK    209115104          94         2075 SH
  CONSOLIDATED EDISON              COMMON STOCK    209115104         173         3826 SH
  CONSOLIDATED NATURAL GAS         COMMON STOCK    209615103        9211       151623 SH
  CONSOLIDATED NATURAL GAS         COMMON STOCK    209615103         140         2300 SH
  CONSOLIDATED NATURAL GAS         COMMON STOCK    209615103         763        12552 SH
  CONSTELLATION ENERGY GROUP       COMMON STOCK    210371100         306        10322 SH
  CONSTELLATION ENERGY GROUP       COMMON STOCK    210371100           9          300 SH
  CONSTELLATION ENERGY GROUP       COMMON STOCK    210371100          66         2225 SH
  CONVERGYS                        COMMON STOCK    212485106          50         2600 SH
  CONVERGYS                        COMMON STOCK    212485106         252        13000 SH
  COOPER COS                       COMMON STOCK    216648402         356        14266 SH
  COOPER IND                       COMMON STOCK    216669101         163         3136 SH
  COOPER IND                       COMMON STOCK    216669101          80         1532 SH
  CORNING                          COMMON STOCK    219350105        4111        58627 SH
  CORNING                          COMMON STOCK    219350105         189         2700 SH
  CORNING                          COMMON STOCK    219350105        1281        18265 SH
  COSTCO COMPANIES                 COMMON STOCK    22160Q102         230         2876 SH
  COX COMMUNICATIONS NEW CLASS A   COMMON STOCK    224044107         421        11436 SH
  CRIIMI MAE                       COMMON STOCK    226603108          23        10000 SH
  DALLAS SEMICONDUCTOR             COMMON STOCK    235204104         761        15000 SH
  DANA                             COMMON STOCK    235811106        2943        63900 SH
  DANA                             COMMON STOCK    235811106          42          914 SH
  DANA                             COMMON STOCK    235811106          30          660 SH
  DANAHER                          COMMON STOCK    235851102         648        11142 SH
  DANAHER                          COMMON STOCK    235851102         110         1900 SH
  DARDEN RESTAURANTS               COMMON STOCK    237194105          33         1500 SH
  DARDEN RESTAURANTS               COMMON STOCK    237194105         238        10912 SH
  DAYTON HUDSON                    COMMON STOCK    239753106         684        10520 SH
  DAYTON HUDSON                    COMMON STOCK    239753106        1703        26200 SH
  DEERE                            COMMON STOCK    244199105        5845       149162 SH
  DEERE                            COMMON STOCK    244199105         694        17700 SH
  DELL COMPUTER                    COMMON STOCK    247025109       29812       805743 SH
  DELL COMPUTER                    COMMON STOCK    247025109        2790        75392 SH
  DELL COMPUTER                    COMMON STOCK    247025109        3309        89426 SH
  DELPHI AUTOMOTIVE SYS            COMMON STOCK    247126105         254        13707 SH
  DELPHI AUTOMOTIVE SYS            COMMON STOCK    247126105          15          811 SH
  DELPHI AUTOMOTIVE SYS            COMMON STOCK    247126105          66         3589 SH
  DEVELOPERS DIVERS REALTY         COMMON STOCK    251591103         235        13900 SH
  DEVRY INC DEL                    COMMON STOCK    251893103         244        10925 SH
  DIAL                             COMMON STOCK    25247D101          29          786 SH
  DIAL                             COMMON STOCK    25247D101         238         6400 SH
  DIAMETRICS MED                   COMMON STOCK    252532106          30         5000 SH
  DIAMETRICS MED                   COMMON STOCK    252532106         120        20000 SH
  DISNEY WALT                      COMMON STOCK    254687106       18952       615067 SH
  DISNEY WALT                      COMMON STOCK    254687106         476        15440 SH
  DISNEY WALT                      COMMON STOCK    254687106        3820       123974 SH
  DOMINION RESOURCES               COMMON STOCK    257470104         348         8031 SH
  DOMINION RESOURCES               COMMON STOCK    257470104          19          450 SH
  DOMINION RESOURCES               COMMON STOCK    257470104          36          825 SH
  DONALDSON LUFKIN & JENRETTE      COMMON STOCK    257661108         297         4926 SH
  DOVER                            COMMON STOCK    260003108         395        11290 SH
  DOVER                            COMMON STOCK    260003108          70         2000 SH
  DOVER                            COMMON STOCK    260003108         123         3520 SH
  DOW CHEMICAL                     COMMON STOCK    260543103        2599        20481 SH
  DOW CHEMICAL                     COMMON STOCK    260543103          79          625 SH
  DOW CHEMICAL                     COMMON STOCK    260543103        2539        20012 SH
  DU PONT E I DE NEMOURS           COMMON STOCK    263534109       29900       437698 SH
  DU PONT E I DE NEMOURS           COMMON STOCK    263534109         574         8400 SH
  DU PONT E I DE NEMOURS           COMMON STOCK    263534109        7611       111413 SH
  DU PONT E I DE NEMOURS           COMMON STOCK    263534109          20          300 SH
  DUFF & PHELPS UTILITIES INCOME   COMMON STOCK    264324104          80         7557 SH
  DUFF & PHELPS UTILITIES INCOME   COMMON STOCK    264324104          67         6300 SH
  DUKE ENERGY                      COMMON STOCK    264399106        1472        27043 SH
  DUKE ENERGY                      COMMON STOCK    264399106         103         1900 SH
  DUKE ENERGY                      COMMON STOCK    264399106         324         5950 SH
  DUKE RLTY INVTS                  COMMON STOCK    264411505         239        10610 SH
  DUN & BRADSTREET                 COMMON STOCK    26483B106         394        11121 SH
  DUN & BRADSTREET                 COMMON STOCK    26483B106         125         3540 SH
  EMC                              COMMON STOCK    268648102       13717       249400 SH
  EMC                              COMMON STOCK    268648102         262         4770 SH
  E'TOWN                           COMMON STOCK    269242103         207         4532 SH
  E'TOWN                           COMMON STOCK    269242103          79         1729 SH
  EASTMAN KODAK                    COMMON STOCK    277461109         777        11466 SH
  EASTMAN KODAK                    COMMON STOCK    277461109         313         4620 SH
  EATON                            COMMON STOCK    278058102         468         5086 SH
  EATON                            COMMON STOCK    278058102          32          350 SH
  EATON                            COMMON STOCK    278058102          29          311 SH
  EDINBERG                         CONVERTIBLE PRE 280661992         750           82 SH
  EDISON INTERNATIONAL             COMMON STOCK    281020107         223         8355 SH
  EDISON INTERNATIONAL             COMMON STOCK    281020107          48         1800 SH
  EL PASO ENERGY                   CONVERTIBLE PRE 283678209        1485        30000 SH
  EL PASO ENERGY DEL               COMMON STOCK    283905107        1162        33010 SH
  EL PASO ENERGY DEL               COMMON STOCK    283905107          69         1948 SH
  ELAN PLC                         COMMON STOCK    284131208         805        29000 SH
  ELAN PLC                         COMMON STOCK    284131208          56         2000 SH
  ELECTRONIC ARTS                  COMMON STOCK    285512109         355         6535 SH
  ELECTRONIC DATA SYSTEMS          COMMON STOCK    285661104       14852       262295 SH
  ELECTRONIC DATA SYSTEMS          COMMON STOCK    285661104         666        11770 SH
  ELECTRONIC DATA SYSTEMS          COMMON STOCK    285661104        1752        30936 SH
  EMERSON ELECTRIC                 COMMON STOCK    291011104       14102       224060 SH
  EMERSON ELECTRIC                 COMMON STOCK    291011104          50          800 SH
  EMERSON ELECTRIC                 COMMON STOCK    291011104        2918        46365 SH
  ENERGY EAST                      COMMON STOCK    29266M109         536        20620 SH
  ENERGY EAST                      COMMON STOCK    29266M109           1           44 SH
  ENGELHARD                        COMMON STOCK    292845104         720        31837 SH
  ENGELHARD                        COMMON STOCK    292845104          67         2950 SH
  ENGELHARD                        COMMON STOCK    292845104         759        33550 SH
  ENRON                            COMMON STOCK    293561106       37585       459750 SH
  ENRON                            COMMON STOCK    293561106         615         7525 SH
  ENRON                            COMMON STOCK    293561106        2754        33691 SH
  ENRON                            COMMON STOCK    293561106          12          150 SH
  EQUIFAX                          COMMON STOCK    294429105         755        21150 SH
  EQUITY INCOME FUND               MUTUAL FUNDS-EQ 294700703         734         3542 SH
  EQUITY INCOME FUND               MUTUAL FUNDS-EQ 294700703         131          634 SH
  EQUITY INCOME FUND               MUTUAL FUNDS-EQ 294700703        1021         4927 SH
  ERICSSON                         COMMON STOCK    294821400        2932        89030 SH
  ERICSSON                         COMMON STOCK    294821400         132         4000 SH
  ERICSSON                         COMMON STOCK    294821400         504        15300 SH
  EXODUS COMMUNICATIONS            COMMON STOCK    302088109         240         2000 SH
  EXXON                            COMMON STOCK    302290101       52803       684642 SH
  EXXON                            COMMON STOCK    302290101        2420        31376 SH
  EXXON                            COMMON STOCK    302290101       25118       325674 SH
  FPL                              COMMON STOCK    302571104        6972       127642 SH
  FPL                              COMMON STOCK    302571104          38          700 SH
  FPL                              COMMON STOCK    302571104         488         8940 SH
  FDX                              COMMON STOCK    31304N107         206         3800 SH
  FANNIE MAE                       COMMON STOCK    313586109       19006       278472 SH
  FANNIE MAE                       COMMON STOCK    313586109          34          500 SH
  FANNIE MAE                       COMMON STOCK    313586109        1237        18125 SH
  FEDERATED DEPT STORES DEL        COMMON STOCK    31410H101         309         5840 SH
  FEDERATED INDEX TR               MUTUAL FUNDS-EQ 31420E106         199         7029 SH
  FEDERATED INDEX TR               MUTUAL FUNDS-EQ 31420E106         109         3844 SH
  FIDELITY                         MUTUAL FUNDS-MU 316089200         129        11653 SH
  FIDELITY EQUITY - INCOME FUND    MUTUAL FUNDS-EQ 316138106         179         2900 SH
  FIDELITY EQUITY - INCOME FUND    MUTUAL FUNDS-EQ 316138106         251         4080 SH
  FIRST COLONIAL GROUP             COMMON STOCK    319734109         227         9513 SH
  FIRST DATA                       COMMON STOCK    319963104        1028        20997 SH
  FIRST DATA                       COMMON STOCK    319963104         196         4000 SH
  FIRST SEC DEL                    COMMON STOCK    336294103         601        22050 SH
  FIRST UNION                      COMMON STOCK    337358105       13760       291982 SH
  FIRST UNION                      COMMON STOCK    337358105         334         7078 SH
  FIRST UNION                      COMMON STOCK    337358105        4537        96266 SH
  FIRST UNION                      COMMON STOCK    337358105          20          421 SH
  FIRST UNION                      CORPORATE BONDS 337358BL8         285       300000 PRN
  FIRST VIRGINIA BANKS             COMMON STOCK    337477103         177         3600 SH
  FIRST VIRGINIA BANKS             COMMON STOCK    337477103          55         1125 SH
  FLEET FINL GROUP                 COMMON STOCK    338915101         512        11545 SH
  FLEET FINL GROUP                 COMMON STOCK    338915101         730        16440 SH
  FLEMINGTON FUR                   COMMON STOCK    339230989        1316        95734 SH
  FLEMINGTON FUR                   COMMON STOCK    339230997        1097        71914 SH
  FLORIDA                          COMMON STOCK    341109106         397         9600 SH
  FLORIDA                          COMMON STOCK    341109106          19          450 SH
  FLORIDA                          COMMON STOCK    341109106         217         5250 SH
  FLUOR                            COMMON STOCK    343861100         292         7200 SH
  FLUOR                            COMMON STOCK    343861100           3           80 SH
  FORD MOTOR DEL                   COMMON STOCK    345370100        3048        54013 SH
  FORD MOTOR DEL                   COMMON STOCK    345370100          56         1000 SH
  FORD MOTOR DEL                   COMMON STOCK    345370100         201         3570 SH
  FORTUNE BRANDS                   COMMON STOCK    349631101         774        18700 SH
  FORTUNE BRANDS                   COMMON STOCK    349631101          33          800 SH
  FORTUNE BRANDS                   COMMON STOCK    349631101         308         7448 SH
  FRANKLIN INTERNATIONAL           PREFERRED STOCK 353990203         432         4316 SH
  FRANKLIN RESOURCES               COMMON STOCK    354613101        4857       119568 SH
  FRANKLIN RESOURCES               COMMON STOCK    354613101         273         6724 SH
  FRANKLIN RESOURCES               COMMON STOCK    354613101         762        18752 SH
  FRONTIER                         COMMON STOCK    35906P105         718        12250 SH
  FULTON FINL PA                   COMMON STOCK    360271100        1354        65450 SH
  GPU                              COMMON STOCK    36225X100         939        22265 SH
  GPU                              COMMON STOCK    36225X100          52         1238 SH
  GPU                              COMMON STOCK    36225X100        1453        34438 SH
  GTE                              COMMON STOCK    362320103       11148       147655 SH
  GTE                              COMMON STOCK    362320103         400         5300 SH
  GTE                              COMMON STOCK    362320103        4467        59165 SH
  GALLAHER GROUP                   COMMON STOCK    363595109         373        15250 SH
  GALLAHER GROUP                   COMMON STOCK    363595109         193         7878 SH
  GANNETT                          COMMON STOCK    364730101       12434       174206 SH
  GANNETT                          COMMON STOCK    364730101         114         1600 SH
  GANNETT                          COMMON STOCK    364730101         792        11100 SH
  GAP STORES                       COMMON STOCK    364760108       12863       255346 SH
  GAP STORES                       COMMON STOCK    364760108          81         1613 SH
  GAP STORES                       COMMON STOCK    364760108          76         1500 SH
  GENERAL ELECTRIC                 COMMON STOCK    369604103      129698      1147769 SH
  GENERAL ELECTRIC                 COMMON STOCK    369604103        5929        52470 SH
  GENERAL ELECTRIC                 COMMON STOCK    369604103       51534       456049 SH
  GENERAL ELECTRIC                 COMMON STOCK    369604103          34          300 SH
  GENERAL MILLS                    COMMON STOCK    370334104         784         9750 SH
  GENERAL MILLS                    COMMON STOCK    370334104         111         1384 SH
  GENERAL MILLS                    COMMON STOCK    370334104        1530        19034 SH
  GENERAL MOTORS                   COMMON STOCK    370442105        1294        19606 SH
  GENERAL MOTORS                   COMMON STOCK    370442105          77         1162 SH
  GENERAL MOTORS                   COMMON STOCK    370442105         340         5148 SH
  GENUINE PARTS                    COMMON STOCK    372460105         326         9300 SH
  GENUINE PARTS                    COMMON STOCK    372460105          16          450 SH
  GENUINE PARTS                    COMMON STOCK    372460105         388        11075 SH
  GENZYME                          COMMON STOCK    372917104         136         2800 SH
  GENZYME                          COMMON STOCK    372917104         136         2800 SH
  GEORGIA PACIFIC                  COMMON STOCK    373298108         495        10456 SH
  GEORGIA PACIFIC                  COMMON STOCK    373298108          38          800 SH
  GEORGIA PACIFIC                  COMMON STOCK    373298108         355         7500 SH
  GILLETTE                         COMMON STOCK    375766102       11219       273628 SH
  GILLETTE                         COMMON STOCK    375766102         647        15789 SH
  GILLETTE                         COMMON STOCK    375766102        2091        51010 SH
  GLAXO                            COMMON STOCK    37733W105       13767       243128 SH
  GLAXO                            COMMON STOCK    37733W105         701        12375 SH
  GLIMCHER REALTY TRUST            COMMON STOCK    379302102         179        10950 SH
  GOVERNMENT SECURITIES INCOME FD  MUTUAL FUNDS-FI 383743598           3        88334 SH
  GUIDANT                          COMMON STOCK    401698105          99         1946 SH
  GUIDANT                          COMMON STOCK    401698105         192         3752 SH
  HSB GROUP                        COMMON STOCK    40428N109         270         6555 SH
  HALLIBURTON                      COMMON STOCK    406216101         854        18880 SH
  HALLIBURTON                      COMMON STOCK    406216101         199         4400 SH
  HARLEY DAVIDSON                  COMMON STOCK    412822108        5412        99540 SH
  HARLEY DAVIDSON                  COMMON STOCK    412822108          65         1200 SH
  HARRIS                           COMMON STOCK    413875105         243         6200 SH
  HARSCO                           COMMON STOCK    415864107         464        14496 SH
  HARTFORD FINANCIAL SERVICES      COMMON STOCK    416515104        1166        20000 SH
  HARTFORD FINANCIAL SERVICES      COMMON STOCK    416515104          88         1508 SH
  HARTFORD FINANCIAL SERVICES      COMMON STOCK    416515104         685        11754 SH
  THE HARVILL PRESS LIMITED        COMMON STOCK    417999AA7         161        18625 SH
  HEINEKEN NV ADR                  COMMON STOCK    423012202         333         6500 SH
  HEINZ H J                        COMMON STOCK    423074103        1456        29040 SH
  HEINZ H J                        COMMON STOCK    423074103         103         2050 SH
  HEINZ H J                        COMMON STOCK    423074103         873        17415 SH
  HELIX TECHNOLOGY                 COMMON STOCK    423319102         359        15000 SH
  HERCULES                         COMMON STOCK    427056106         614        15629 SH
  HERCULES                         COMMON STOCK    427056106          75         1900 SH
  HERSHEY FOODS                    COMMON STOCK    427866108         974        16412 SH
  HERSHEY FOODS                    COMMON STOCK    427866108          36          600 SH
  HERSHEY FOODS                    COMMON STOCK    427866108         528         8900 SH
  HEWLETT PACKARD                  COMMON STOCK    428236103       26719       265865 SH
  HEWLETT PACKARD                  COMMON STOCK    428236103         340         3385 SH
  HEWLETT PACKARD                  COMMON STOCK    428236103        5020        49952 SH
  HEWLETT PACKARD                  COMMON STOCK    428236103          20          200 SH
  HIGHWOODS PPTYS                  COMMON STOCK    431284108         217         7900 SH
  HOLLINGER INTERNATIONAL          COMMON STOCK    435569108        1188       100000 SH
  HOME DEPOT                       COMMON STOCK    437076102       25051       388765 SH
  HOME DEPOT                       COMMON STOCK    437076102        1168        18130 SH
  HOME DEPOT                       COMMON STOCK    437076102        4673        72524 SH
  HONEYWELL                        COMMON STOCK    438506107        5674        48970 SH
  HONEYWELL                        COMMON STOCK    438506107         261         2250 SH
  HOOPER HOLMES                    COMMON STOCK    439104100         306        15000 SH
  HOSPITALITY PPTYS TR             COMMON STOCK    44106M102         498        18350 SH
  HOSPITALITY PPTYS TR             COMMON STOCK    44106M102          11          400 SH
  HOSPITALITY PPTYS TR             COMMON STOCK    44106M102         144         5300 SH
  HOUSEHOLD INTERNATIONAL          COMMON STOCK    441815107        3254        68684 SH
  HOUSEHOLD INTERNATIONAL          COMMON STOCK    441815107         300         6323 SH
  HUBBELL                          COMMON STOCK    443510201         908        20000 SH
  HUDSON UTD BANCORP               COMMON STOCK    444165104         106         3386 SH
  HUDSON UTD BANCORP               COMMON STOCK    444165104         103         3297 SH
  IMS HEALTH                       COMMON STOCK    449934108        2042        65342 SH
  IMS HEALTH                       COMMON STOCK    449934108          75         2400 SH
  IMS HEALTH                       COMMON STOCK    449934108         268         8580 SH
  ILLINOIS TOOL WORKS              COMMON STOCK    452308109        4564        55830 SH
  ILLINOIS TOOL WORKS              COMMON STOCK    452308109        3752        45900 SH
  INFORMIX                         COMMON STOCK    456779107         111        13000 SH
  INFORMIX                         COMMON STOCK    456779107           9         1000 SH
  INGERSOLL RAND                   COMMON STOCK    456866102        4317        66805 SH
  INGERSOLL RAND                   COMMON STOCK    456866102          36          550 SH
  INGERSOLL RAND                   COMMON STOCK    456866102         136         2100 SH
  INGERSOLL RAND                   CONVERTIBLE PRE 456867209        1050        35000 SH
  INTEL                            COMMON STOCK    458140100       43787       735923 SH
  INTEL                            COMMON STOCK    458140100         868        14592 SH
  INTEL                            COMMON STOCK    458140100        7847       131888 SH
  INTL BUSINESS MACHINES           COMMON STOCK    459200101       67695       523753 SH
  INTL BUSINESS MACHINES           COMMON STOCK    459200101        1468        11360 SH
  INTL BUSINESS MACHINES           COMMON STOCK    459200101        8584        66412 SH
  INTL FLAVORS & FRAGRANCES        COMMON STOCK    459506101         264         6000 SH
  INTL FLAVORS & FRAGRANCES        COMMON STOCK    459506101         110         2500 SH
  INTL FLAVORS & FRAGRANCES        COMMON STOCK    459506101          44         1000 SH
  INTERNATIONAL PAPER              COMMON STOCK    460146103        1104        21970 SH
  INTERNATIONAL PAPER              COMMON STOCK    460146103         240         4774 SH
  INTERPUBLIC GROUP                COMMON STOCK    460690100        7870        90850 SH
  JANUS                            MUTUAL FUNDS-EQ 471023101        3612        89848 SH
  JOHNSON & JOHNSON                COMMON STOCK    478160104       40828       416609 SH
  JOHNSON & JOHNSON                COMMON STOCK    478160104        1276        13022 SH
  JOHNSON & JOHNSON                COMMON STOCK    478160104       23766       242514 SH
  KELLOGG                          COMMON STOCK    487836108          66         2000 SH
  KELLOGG                          COMMON STOCK    487836108        4283       129800 SH
  KEMPER MUN BD FD SH BEN INT      MUTUAL FUNDS-MU 488419201         176        17990 SH
  KEMPER GOVT SECS TR              MUTUAL FUNDS-FI 488903261           0        10000 SH
  KEYCORP                          COMMON STOCK    493267108         285         8882 SH
  KEYCORP                          COMMON STOCK    493267108          22          700 SH
  KEYCORP                          COMMON STOCK    493267108         129         4020 SH
  KEYSPAN                          COMMON STOCK    49337W100         207         7834 SH
  KEYSPAN                          COMMON STOCK    49337W100          74         2800 SH
  KEYSPAN                          COMMON STOCK    49337W100          46         1728 SH
  KIMBERLY CLARK                   COMMON STOCK    494368103       13373       234622 SH
  KIMBERLY CLARK                   COMMON STOCK    494368103         197         3456 SH
  KIMBERLY CLARK                   COMMON STOCK    494368103         869        15250 SH
  KIMBERLY CLARK                   COMMON STOCK    494368103           6          100 SH
  KIMCO REALTY                     COMMON STOCK    49446R109         330         8300 SH
  KONINKLIJKE PHILLIPS ELECTRONICS COMMON STOCK    500472204        1206        11960 SH
  KONINKLIJKE PHILLIPS ELECTRONICS COMMON STOCK    500472204         176         1748 SH
  ESTEE LAUDER AUTO EXCH SEC TR II CONVERTIBLE PRE 518438205        1414        15000 SH
  ESTEE LAUDER COMPANIES-CL A      COMMON STOCK    518439104        8495       169480 SH
  ESTEE LAUDER COMPANIES-CL A      COMMON STOCK    518439104          70         1400 SH
  LEHMAN BROS                      COMMON STOCK    524908100         120         1939 SH
  LEHMAN BROS                      COMMON STOCK    524908100         162         2611 SH
  LEVITZ FURNITURE                 COMMON STOCK    527482103           3        10000 SH
  LIBERTY PPTY TR                  COMMON STOCK    531172104         129         5200 SH
  LIBERTY PPTY TR                  COMMON STOCK    531172104          12          500 SH
  LIBERTY PPTY TR                  COMMON STOCK    531172104         117         4685 SH
  LILLY ELI                        COMMON STOCK    532457108        1252        17486 SH
  LILLY ELI                        COMMON STOCK    532457108         732        10224 SH
  LIMITED                          COMMON STOCK    532716107        6813       150150 SH
  LIMITED                          COMMON STOCK    532716107         161         3550 SH
  LINCOLN NATL                     COMMON STOCK    534187109        3662        70000 SH
  LINEAR TECHNOLOGY                COMMON STOCK    535678106         313         4650 SH
  LOCKHEED MARTIN                  COMMON STOCK    539830109        7328       196738 SH
  LOCKHEED MARTIN                  COMMON STOCK    539830109          30          800 SH
  LOEWS                            COMMON STOCK    540424108         332         4200 SH
  LOEWS                            COMMON STOCK    540424108          95         1200 SH
  LUCENT TECHNOLOGIES              COMMON STOCK    549463107       62611       928426 SH
  LUCENT TECHNOLOGIES              COMMON STOCK    549463107        1744        25864 SH
  LUCENT TECHNOLOGIES              COMMON STOCK    549463107        9310       138054 SH
  LUCENT TECHNOLOGIES              COMMON STOCK    549463107          27          400 SH
  MBIA                             COMMON STOCK    55262C100         290         4475 SH
  MBIA                             COMMON STOCK    55262C100          26          400 SH
  MBIA                             COMMON STOCK    55262C100          32          500 SH
  MBNA                             COMMON STOCK    55262L100        9521       310887 SH
  MBNA                             COMMON STOCK    55262L100         341        11120 SH
  MBNA                             COMMON STOCK    55262L100         575        18782 SH
  MCI CAPITAL I                    PREFERRED STOCK 55267Y206         211         8450 SH
  MCI CAPITAL I                    PREFERRED STOCK 55267Y206          23          900 SH
  MCI CAPITAL I                    PREFERRED STOCK 55267Y206          93         3700 SH
  MCI WORLDCOM                     COMMON STOCK    55268B106       36817       427798 SH
  MCI WORLDCOM                     COMMON STOCK    55268B106        1027        11934 SH
  MCI WORLDCOM                     COMMON STOCK    55268B106        4679        54367 SH
  MCI WORLDCOM                     COMMON STOCK    55268B106           9          100 SH
  MFS INTER INCOME TR              MUTUAL FUNDS-FI 55273C107          67        10456 SH
  MARSH & MCLENNAN                 COMMON STOCK    571748102        4350        57475 SH
  MARSH & MCLENNAN                 COMMON STOCK    571748102          68          900 SH
  MARRIOTT INTERNATIONAL           COMMON STOCK    571903202         292         7800 SH
  MARRIOTT INTERNATIONAL           COMMON STOCK    571903202         624        16700 SH
  MASCO                            COMMON STOCK    574599106         190         6566 SH
  MASCO                            COMMON STOCK    574599106          69         2400 SH
  MATTEL                           COMMON STOCK    577081102        7769       297359 SH
  MATTEL                           COMMON STOCK    577081102          78         3000 SH
  MATTEL                           COMMON STOCK    577081102         173         6637 SH
  MATTEL                           CONVERTIBLE PRE 577081706         575        57500 SH
  MAY DEPT STORES                  COMMON STOCK    577778103        1427        34913 SH
  MAY DEPT STORES                  COMMON STOCK    577778103          92         2250 SH
  MAY DEPT STORES                  COMMON STOCK    577778103        1671        40876 SH
  MCDONALDS                        COMMON STOCK    580135101        4113       100018 SH
  MCDONALDS                        COMMON STOCK    580135101         500        12160 SH
  MCGRAW HILL                      COMMON STOCK    580645109        4450        82510 SH
  MCGRAW HILL                      COMMON STOCK    580645109          43          800 SH
  MCGRAW HILL                      COMMON STOCK    580645109         782        14500 SH
  MCKESSON HBOC                    COMMON STOCK    58155Q103        8219       255352 SH
  MEDAREX                          COMMON STOCK    583916101          62        15000 SH
  MEDIAONE GROUP                   COMMON STOCK    58440J104        1239        16661 SH
  MEDIAONE GROUP                   COMMON STOCK    58440J104           3           36 SH
  MEDIAONE GROUP                   COMMON STOCK    58440J104         687         9233 SH
  MEDTRONICS                       COMMON STOCK    585055106         426         5467 SH
  MEDTRONICS                       COMMON STOCK    585055106          39          500 SH
  MEDTRONICS                       COMMON STOCK    585055106          16          200 SH
  MELLON BANK                      COMMON STOCK    585509102        3205        88112 SH
  MELLON BANK                      COMMON STOCK    585509102        1564        43000 SH
  MERCK                            COMMON STOCK    589331107       87213      1184561 SH
  MERCK                            COMMON STOCK    589331107        1716        23306 SH
  MERCK                            COMMON STOCK    589331107       52936       718999 SH
  MERCK                            COMMON STOCK    589331107          22          300 SH
  MERRILL LYNCH                    COMMON STOCK    590188108         814        10240 SH
  MERRILL LYNCH                    COMMON STOCK    590188108         276         3470 SH
  MICHIGAN ST HIGHER ED STUDENT    MUNICIPAL OBLIG 594520EY0         973       950000 PRN
  MICROSOFT                        COMMON STOCK    594918104       68663       761331 SH
  MICROSOFT                        COMMON STOCK    594918104        1621        17971 SH
  MICROSOFT                        COMMON STOCK    594918104       14108       156434 SH
  MINNESOTA MNG & MFG              COMMON STOCK    604059105       10638       122364 SH
  MINNESOTA MNG & MFG              COMMON STOCK    604059105         200         2300 SH
  MINNESOTA MNG & MFG              COMMON STOCK    604059105        2362        27170 SH
  MOBIL                            COMMON STOCK    607059102       30025       304050 SH
  MOBIL                            COMMON STOCK    607059102         988        10000 SH
  MOBIL                            COMMON STOCK    607059102        6174        62520 SH
  MOBIL                            COMMON STOCK    607059102          40          410 SH
  MONSANTO                         COMMON STOCK    611662107        1687        42635 SH
  MONSANTO                         COMMON STOCK    611662107        1948        49250 SH
  MONSANTO                         CONVERTIBLE PRE 611662305        3609        89950 SH
  MONY GROUP                       COMMON STOCK    615337102         232         7120 SH
  MONY GROUP                       COMMON STOCK    615337102           4          111 SH
  MORGAN J P                       COMMON STOCK    616880100       15587       110937 SH
  MORGAN J P                       COMMON STOCK    616880100         232         1650 SH
  MORGAN J P                       COMMON STOCK    616880100        3406        24245 SH
  MORGAN STANLEY                   COMMON STOCK    617446448       13459       131148 SH
  MORGAN STANLEY                   COMMON STOCK    617446448         488         4760 SH
  MORGAN STANLEY                   COMMON STOCK    617446448         857         8355 SH
  MORTON INTERNATIONAL             COMMON STOCK    619335102         252         5949 SH
  MOTOROLA                         COMMON STOCK    620076109       18077       190783 SH
  MOTOROLA                         COMMON STOCK    620076109         336         3550 SH
  MOTOROLA                         COMMON STOCK    620076109        1819        19200 SH
  MUNIYIELD NJ FUND                MUTUAL FUNDS-MU 62630L101          74         5225 SH
  MUNIYIELD NJ FUND                MUTUAL FUNDS-MU 62630L101          16         1126 SH
  MUNIYIELD NJ FUND                MUTUAL FUNDS-MU 62630L101          73         5150 SH
  MURPHY OIL                       COMMON STOCK    626717102         221         4529 SH
  NATIONAL FUEL GAS                COMMON STOCK    636180101         359         7400 SH
  NATIONAL FUEL GAS                COMMON STOCK    636180101          15          300 SH
  NATIONAL FUEL GAS                COMMON STOCK    636180101         227         4680 SH
  NATIONAL WESTMINSTER BANK PLC    COMMON STOCK    638539403         722         5559 SH
  NATIONAL WESTMINSTER BANK PLC    COMMON STOCK    638539403         148         1141 SH
  NATIONAL WESTMINSTER BANK PLC    COMMON STOCK    638539403         260         2000 SH
  NESTLE S A                       COMMON STOCK    641069406        1640        18200 SH
  NESTLE S A                       COMMON STOCK    641069406         158         1750 SH
  NETWORK APPLIANCE                COMMON STOCK    64120L104        1118        20000 SH
  NEW JERSEY RESOURCES             COMMON STOCK    646025106         256         6838 SH
  NEW JERSEY RESOURCES             COMMON STOCK    646025106          60         1600 SH
  NEW JERSEY RESOURCES             COMMON STOCK    646025106          19          500 SH
  NEWELL FINL TR I                 CONVERTIBLE PRE 651195307        1951        35000 SH
  NEWELL RUBBERMAID                COMMON STOCK    651229106         835        18000 SH
  NEWELL RUBBERMAID                COMMON STOCK    651229106          46         1000 SH
  NOKIA                            COMMON STOCK    654902204       22027       240565 SH
  NOKIA                            COMMON STOCK    654902204        1222        13350 SH
  NORFOLK SOUTHERN                 COMMON STOCK    655844108        6766       224610 SH
  NORFOLK SOUTHERN                 COMMON STOCK    655844108         133         4400 SH
  NORFOLK SOUTHERN                 COMMON STOCK    655844108         475        15755 SH
  NORTEL NETWORKS                  COMMON STOCK    656569100         413         4760 SH
  NORTEL NETWORKS                  COMMON STOCK    656569100          17          200 SH
  NORTH AMERICAN TRAINING          COMMON STOCK    657999991           0        39217 SH
  NORTHERN STS PWR CO MINN         COMMON STOCK    665772109         206         8524 SH
  NORTHERN TRUST                   COMMON STOCK    665859104       15001       154652 SH
  NORTHERN TRUST                   COMMON STOCK    665859104         440         4537 SH
  NORTHERN TRUST                   COMMON STOCK    665859104        1424        14683 SH
  NUVEEN MUN MKT OPPORTUNITY FD    MUTUAL FUNDS-MU 67062W103         166        10589 SH
  NUVEEN MUN MKT OPPORTUNITY FD    MUTUAL FUNDS-MU 67062W103          94         6000 SH
  OFFICE DEPOT                     COMMON STOCK    676220106        1251        56700 SH
  OMNICARE                         COMMON STOCK    681904108         159        12600 SH
  OMNICOM GROUP                    COMMON STOCK    681919106         208         2600 SH
  OMNICOM GROUP                    COMMON STOCK    681919106          56          700 SH
  ORACLE                           COMMON STOCK    68389X105         395        10628 SH
  ORACLE                           COMMON STOCK    68389X105         193         5212 SH
  ORANGE & ROCKLAND UTILS          COMMON STOCK    684065105          38          650 SH
  ORANGE & ROCKLAND UTILS          COMMON STOCK    684065105         175         3000 SH
  PECO ENERGY                      COMMON STOCK    693304107         360         8608 SH
  PECO ENERGY                      COMMON STOCK    693304107          13          300 SH
  PG&E                             COMMON STOCK    69331C108         136         4178 SH
  PG&E                             COMMON STOCK    69331C108         101         3111 SH
  PIMCO ADVISORS HLGS L P          COMMON STOCK    69338P102         234         7875 SH
  PIMCO ADVISORS HLGS L P          COMMON STOCK    69338P102          55         1854 SH
  PIMCO ADVISORS HLGS L P          COMMON STOCK    69338P102         529        17768 SH
  PNC BANK                         COMMON STOCK    693475105        1421        24651 SH
  PNC BANK                         COMMON STOCK    693475105          66         1149 SH
  PNC BANK                         COMMON STOCK    693475105         264         4587 SH
  P P & L RES                      COMMON STOCK    693499105        2363        76857 SH
  P P & L RES                      COMMON STOCK    693499105          12          400 SH
  P P & L RES                      COMMON STOCK    693499105         403        13106 SH
  PPG                              COMMON STOCK    693506107        3326        56307 SH
  PPG                              COMMON STOCK    693506107         118         2000 SH
  PPG                              COMMON STOCK    693506107         767        12986 SH
  PSS WORLD MEDICAL INC            COMMON STOCK    69366A100         128        11400 SH
  PARAMETRIC TECHNOLOGY            COMMON STOCK    699173100         148        10640 SH
  PARDEE RESOURCES                 COMMON STOCK    699437109         493        11400 SH
  PARKER HANNIFIN                  COMMON STOCK    701094104         643        14049 SH
  PAYCHEX                          COMMON STOCK    704326107        2615        82033 SH
  PAYCHEX                          COMMON STOCK    704326107          24          750 SH
  PAYCHEX                          COMMON STOCK    704326107         185         5815 SH
  PENNEY J C                       COMMON STOCK    708160106        2261        46561 SH
  PENNEY J C                       COMMON STOCK    708160106          73         1500 SH
  PENNEY J C                       COMMON STOCK    708160106          10          200 SH
  PENNZOIL-QUAKER ST               COMMON STOCK    709323109          78         5221 SH
  PENNZOIL-QUAKER ST               COMMON STOCK    709323109         202        13456 SH
  PEOPLES BANCORP DEL              COMMON STOCK    709909105         194        19503 SH
  PEPSICO                          COMMON STOCK    713448108       17958       464169 SH
  PEPSICO                          COMMON STOCK    713448108         228         5900 SH
  PEPSICO                          COMMON STOCK    713448108        5619       145234 SH
  PHARMACIA & UPJOHN               COMMON STOCK    716941109        3639        64057 SH
  PHARMACIA & UPJOHN               COMMON STOCK    716941109          82         1435 SH
  PFIZER                           COMMON STOCK    717081103       43599       399991 SH
  PFIZER                           COMMON STOCK    717081103        1581        14502 SH
  PFIZER                           COMMON STOCK    717081103       16246       149043 SH
  PHILIP MORRIS                    COMMON STOCK    718154107        5107       127076 SH
  PHILIP MORRIS                    COMMON STOCK    718154107         389         9670 SH
  PHILIP MORRIS                    COMMON STOCK    718154107        5630       140087 SH
  PHILLIPS PETE                    COMMON STOCK    718507106         189         3760 SH
  PHILLIPS PETE                    COMMON STOCK    718507106          84         1660 SH
  PIER 1 IMPORTS                   COMMON STOCK    720279108         160        14250 SH
  PIER 1 IMPORTS                   COMMON STOCK    720279108          45         4000 SH
  PIERCING PAGODA                  COMMON STOCK    720773100         194        15390 SH
  PIONEER HI BRED INTL             COMMON STOCK    723686101         350         9000 SH
  PIONEER HI BRED INTL             COMMON STOCK    723686101         105         2700 SH
  PITNEY BOWES                     COMMON STOCK    724479100        1926        29980 SH
  PITNEY BOWES                     COMMON STOCK    724479100          51          800 SH
  PITNEY BOWES                     COMMON STOCK    724479100         379         5900 SH
  PLUCKEMIN CORNER                 REAL ESTATE     729192997         449           48 PRN
  POTOMAC ELECTRIC PWR             COMMON STOCK    737679100         153         5200 SH
  POTOMAC ELECTRIC PWR             COMMON STOCK    737679100          65         2206 SH
  POTOMAC ELECTRIC PWR             COMMON STOCK    737679100          77         2600 SH
  PRAXAIR                          COMMON STOCK    74005P104         957        19560 SH
  PRAXAIR                          COMMON STOCK    74005P104         165         3376 SH
  PRAXAIR                          COMMON STOCK    74005P104          15          309 SH
  PREFORMED LINE PRODUCTS          COMMON STOCK    740444104         725        36000 SH
  PREMIER BANCORP                  COMMON STOCK    74046J109         114        12360 SH
  PROCTER & GAMBLE                 COMMON STOCK    742718109       30587       342716 SH
  PROCTER & GAMBLE                 COMMON STOCK    742718109         741         8307 SH
  PROCTER & GAMBLE                 COMMON STOCK    742718109        9286       104043 SH
  PROGRESSIVE                      COMMON STOCK    743315103         322         2222 SH
  PROGRESSIVE                      COMMON STOCK    743315103          61          418 SH
  PROVIDIAN FINANCIAL              COMMON STOCK    74406A102         413         4430 SH
  PSINET                           CONVERTIBLE PRE 74437C309         820        17000 SH
  PUBLIC SERVICE                   COMMON STOCK    744516105         181         6205 SH
  PUBLIC SERVICE                   COMMON STOCK    744516105          41         1400 SH
  PUBLIC SERVICE ENTERPRISE        COMMON STOCK    744573106        3088        75658 SH
  PUBLIC SERVICE ENTERPRISE        COMMON STOCK    744573106         223         5463 SH
  PUBLIC SERVICE ENTERPRISE        COMMON STOCK    744573106        2152        52738 SH
  QUADRAMED                        COMMON STOCK    74730W101         151        18623 SH
  QUAKER OATS                      COMMON STOCK    747402105         514         7740 SH
  QUAKER OATS                      COMMON STOCK    747402105         125         1878 SH
  QUAKER OATS                      COMMON STOCK    747402105          93         1400 SH
  QUALCOMM                         COMMON STOCK    747525103        1033         7200 SH
  QUALCOMM                         COMMON STOCK    747525103         172         1200 SH
  QUESTAR                          COMMON STOCK    748356102         520        27200 SH
  QUINTILES TRANSNATIONAL          COMMON STOCK    748767100         302         7200 SH
  QWEST COMMUNICATIONS INTL        COMMON STOCK    749121109        2034        61524 SH
  QWEST COMMUNICATIONS INTL        COMMON STOCK    749121109          13          400 SH
  RADIAN GROUP                     COMMON STOCK    750236101         207         4245 SH
  RAINFOREST CAFE                  COMMON STOCK    75086K104         104        20520 SH
  RALSTON-RALSTON PURINA GROUP     COMMON STOCK    751277302          62         2046 SH
  RALSTON-RALSTON PURINA GROUP     COMMON STOCK    751277302         231         7596 SH
  RAYTHEON                         COMMON STOCK    755111408         795        11280 SH
  RAYTHEON                         COMMON STOCK    755111408          71         1000 SH
  RAYTHEON                         COMMON STOCK    755111408        1294        18350 SH
  READERS DIGEST FIN TR            CONVERTIBLE PRE 755271202        1758        47500 SH
  READERS DIGEST FIN TR            CONVERTIBLE PRE 755271202          37         1000 SH
  RELIANT ENERGY                   COMMON STOCK    75952J108         133         4819 SH
  RELIANT ENERGY                   COMMON STOCK    75952J108          28         1000 SH
  RELIANT ENERGY                   COMMON STOCK    75952J108         135         4900 SH
  REPSOL SA SPONSORED ADR          COMMON STOCK    76026T205         215        10575 SH
  REPSOL SA SPONSORED ADR          COMMON STOCK    76026T205          61         3000 SH
  REYNOLDS METALS                  COMMON STOCK    761763101        2183        37000 SH
  REYNOLDS METALS                  COMMON STOCK    761763101           0            2 SH
  RITE AID                         COMMON STOCK    767754104         287        11660 SH
  ROCKWELL INTL                    COMMON STOCK    773903109         494         8136 SH
  ROCKWELL INTL                    COMMON STOCK    773903109          73         1200 SH
  ROCKWELL INTL                    COMMON STOCK    773903109         279         4600 SH
  ROCKWELL INTL                    COMMON STOCK    773903109          92         1517 SH
  ROHM & HAAS                      COMMON STOCK    775371107         285         6645 SH
  ROSECAP                          COMMON STOCK    777323106          40        26660 SH
  ROSECAP                          COMMON STOCK    777323106          60        40000 SH
  ROYAL DUTCH PETE                 COMMON STOCK    780257804       16681       276871 SH
  ROYAL DUTCH PETE                 COMMON STOCK    780257804         194         3220 SH
  ROYAL DUTCH PETE                 COMMON STOCK    780257804        4783        79392 SH
  SBC COMMUNICATIONS               COMMON STOCK    78387G103       23953       412986 SH
  SBC COMMUNICATIONS               COMMON STOCK    78387G103         768        13246 SH
  SBC COMMUNICATIONS               COMMON STOCK    78387G103        6481       111742 SH
  SLI                              COMMON STOCK    78442T108         226         8360 SH
  S&P 500 DEPOSITARY RECEIPT       COMMON STOCK    78462F103        2421        17673 SH
  S&P 500 DEPOSITARY RECEIPT       COMMON STOCK    78462F103          27          200 SH
  SAFEWAY                          COMMON STOCK    786514208        6475       130800 SH
  SAFEWAY                          COMMON STOCK    786514208          17          350 SH
  ST PAUL                          COMMON STOCK    792860108        2354        73988 SH
  ST PAUL                          COMMON STOCK    792860108          19          600 SH
  SARA LEE                         COMMON STOCK    803111103       10124       446244 SH
  SARA LEE                         COMMON STOCK    803111103          23         1000 SH
  SARA LEE                         COMMON STOCK    803111103         755        33270 SH
  SASSOON INTL                     COMMON STOCK    803869106           0        12500 SH
  SCHERING PLOUGH                  COMMON STOCK    806605101       32013       609765 SH
  SCHERING PLOUGH                  COMMON STOCK    806605101        1908        36341 SH
  SCHERING PLOUGH                  COMMON STOCK    806605101        6901       131453 SH
  SCHLUMBERGER                     COMMON STOCK    806857108       10194       160066 SH
  SCHLUMBERGER                     COMMON STOCK    806857108          32          500 SH
  SCHLUMBERGER                     COMMON STOCK    806857108        1126        17679 SH
  SEAGRAMS                         COMMON STOCK    811850106         393         7805 SH
  SEARS                            COMMON STOCK    812387108        1615        36244 SH
  SEARS                            COMMON STOCK    812387108          22          500 SH
  SEARS                            COMMON STOCK    812387108         299         6716 SH
  SELECTIVE INSURANCE              COMMON STOCK    816300107         286        15000 SH
  SELECTIVE INSURANCE              COMMON STOCK    816300107         216        11340 SH
  SERVICE CORP INTL                COMMON STOCK    817565104         937        48670 SH
  SERVICE CORP INTL                COMMON STOCK    817565104          25         1300 SH
  SERVICE CORP INTL                COMMON STOCK    817565104         188         9750 SH
  SHELL                            COMMON STOCK    822703609         376         8100 SH
  SHELL                            COMMON STOCK    822703609          12          248 SH
  SHERWIN-WILLIAMS                 COMMON STOCK    824348106        1943        70000 SH
  SHERWIN-WILLIAMS                 COMMON STOCK    824348106         266         9600 SH
  SKYLANDS COMMUNITY BANK          COMMON STOCK    830918108         203        17055 SH
  SMITHKLINE BEECHAM               COMMON STOCK    832378301       20591       311685 SH
  SMITHKLINE BEECHAM               COMMON STOCK    832378301         174         2640 SH
  SMITHKLINE BEECHAM               COMMON STOCK    832378301        1396        21125 SH
  SMITHKLINE BEECHAM               COMMON STOCK    832378301           7          100 SH
  SOLECTRON                        COMMON STOCK    834182107         210         3150 SH
  SONAT                            COMMON STOCK    835415100         299         9030 SH
  SONAT                            COMMON STOCK    835415100         161         4850 SH
  SOUTHERN                         COMMON STOCK    842587107        1180        44529 SH
  SOUTHERN                         COMMON STOCK    842587107          40         1500 SH
  SOUTHERN                         COMMON STOCK    842587107         324        12216 SH
  SOUTHTRUST                       COMMON STOCK    844730101         191         4980 SH
  SOUTHTRUST                       COMMON STOCK    844730101          92         2400 SH
  SOUTHTRUST                       COMMON STOCK    844730101          58         1500 SH
  SOVEREIGN BANCORP                COMMON STOCK    845905108         302        24918 SH
  SOVEREIGN BANCORP                COMMON STOCK    845905108          52         4271 SH
  SOVEREIGN BANCORP                COMMON STOCK    845905108          50         4152 SH
  SPRINT                           COMMON STOCK    852061100         781        14742 SH
  SPRINT                           COMMON STOCK    852061100          42          800 SH
  SPRINT                           COMMON STOCK    852061100         230         4340 SH
  STAGE STORES                     COMMON STOCK    85254C107          93        14250 SH
  STAGE STORES                     COMMON STOCK    85254C107          18         2700 SH
  STAPLES                          COMMON STOCK    855030102         252         8153 SH
  STARBUCKS                        COMMON STOCK    855244109        3854       102600 SH
  STARBUCKS                        COMMON STOCK    855244109          53         1400 SH
  STATE STR                        COMMON STOCK    857477103         376         4400 SH
  STATEN IS BANCORP INC            COMMON STOCK    857550107         881        48941 SH
  STATEN IS BANCORP INC            COMMON STOCK    857550107          99         5503 SH
  STEWART ENTERPRISES              COMMON STOCK    860370105         359        24635 SH
  SUIZA FOODS                      COMMON STOCK    865077101         334         7980 SH
  SUMMIT BANCORP                   COMMON STOCK    866005101      215636      5157203 SH
  SUMMIT BANCORP                   COMMON STOCK    866005101        7911       189207 SH
  SUMMIT BANCORP                   COMMON STOCK    866005101       29189       698098 SH
  SUMMIT BANCORP                   COMMON STOCK    866005101         598        14300 SH
  SUN MICROSYSTEMS                 COMMON STOCK    866810104         779        11314 SH
  SUN MICROSYSTEMS                 COMMON STOCK    866810104         506         7344 SH
  SUNGARD DATA SYSTEM              COMMON STOCK    867363103         396        11475 SH
  SUNGARD DATA SYSTEM              COMMON STOCK    867363103          17          500 SH
  SYQUEST TECHNOLOGY               COMMON STOCK    871660106           0        10875 SH
  SYSCO                            COMMON STOCK    871829107        1517        50888 SH
  SYSCO                            COMMON STOCK    871829107         101         3400 SH
  SYSCO                            COMMON STOCK    871829107         920        30868 SH
  TECO ENERGY                      COMMON STOCK    872375100           2           88 SH
  TECO ENERGY                      COMMON STOCK    872375100          23         1000 SH
  TECO ENERGY                      COMMON STOCK    872375100         309        13600 SH
  TEPPCO PARTNERS LP               COMMON STOCK    872384102         199         8000 SH
  TEPPCO PARTNERS LP               COMMON STOCK    872384102          94         3800 SH
  T-NETIX                          COMMON STOCK    872597109         548       105567 SH
  TRW                              COMMON STOCK    872649108         283         5160 SH
  TECH DATA                        COMMON STOCK    878237106         440        11500 SH
  TELLABS                          COMMON STOCK    879664100        2124        31444 SH
  TELLABS                          COMMON STOCK    879664100          41          600 SH
  A T & T SH                       COMMON STOCK    879919108         267         1400 SH
  TEXACO                           COMMON STOCK    881694103        5690        91222 SH
  TEXACO                           COMMON STOCK    881694103         342         5484 SH
  TEXACO                           COMMON STOCK    881694103         875        14030 SH
  TEXAS INSTRUMENTS                COMMON STOCK    882508104       13815        95940 SH
  TEXAS INSTRUMENTS                COMMON STOCK    882508104         238         1650 SH
  TEXAS INSTRUMENTS                COMMON STOCK    882508104         216         1500 SH
  TEXAS UTILS                      COMMON STOCK    882848104         413         9974 SH
  TEXAS UTILS                      COMMON STOCK    882848104          41         1000 SH
  TEXAS UTILS                      COMMON STOCK    882848104         969        23391 SH
  TEXTRON                          COMMON STOCK    883203101       15603       189556 SH
  TEXTRON                          COMMON STOCK    883203101         305         3700 SH
  THOMAS & BETTS                   COMMON STOCK    884315102        6151       130170 SH
  THOMAS & BETTS                   COMMON STOCK    884315102        6153       130230 SH
  3 COM                            COMMON STOCK    885535104        1407        52710 SH
  3 COM                            COMMON STOCK    885535104          27         1000 SH
  3 COM                            COMMON STOCK    885535104         193         7225 SH
  TIME WARNER                      COMMON STOCK    887315109       17927       246841 SH
  TIME WARNER                      COMMON STOCK    887315109          44          600 SH
  TIME WARNER                      COMMON STOCK    887315109        1086        14950 SH
  TRIARC                           COMMON STOCK    895927101         234        11000 SH
  TRICON GLOBAL RESTAURANTS        COMMON STOCK    895953107         519         9590 SH
  TRICON GLOBAL RESTAURANTS        COMMON STOCK    895953107           6          120 SH
  TRICON GLOBAL RESTAURANTS        COMMON STOCK    895953107         310         5721 SH
  TYCO INTL                        COMMON STOCK    902124106       25103       264938 SH
  TYCO INTL                        COMMON STOCK    902124106         767         8095 SH
  TYCO INTL                        COMMON STOCK    902124106        2399        25319 SH
  USX                              COMMON STOCK    902905827         881        27067 SH
  UNUM                             COMMON STOCK    903192102        1166        21300 SH
  UNUM                             COMMON STOCK    903192102           5          100 SH
  UNUM                             COMMON STOCK    903192102          33          600 SH
  USG                              COMMON STOCK    903293405         235         4200 SH
  UNCOMMON VALUES UNIT TR 1985     MUTUAL FUNDS-EQ 904310174          48        48752 SH
  UNILEVER N V NEW YORK SHS        COMMON STOCK    904784709         741        10619 SH
  UNILEVER N V NEW YORK SHS        COMMON STOCK    904784709         610         8745 SH
  UNION PACIFIC                    COMMON STOCK    907818108       11626       199371 SH
  UNION PACIFIC                    COMMON STOCK    907818108          93         1600 SH
  UNION PACIFIC                    COMMON STOCK    907818108        1236        21200 SH
  UNION PAC CAP TR                 CONVERTIBLE PRE 907824205        1586        30000 SH
  UNION PAC RES GROUP              COMMON STOCK    907834105        1195        73257 SH
  UNION PAC RES GROUP              COMMON STOCK    907834105           6          338 SH
  UNION PAC RES GROUP              COMMON STOCK    907834105          51         3143 SH
  UNITED DOMINION REALTY TRUST     COMMON STOCK    910197102          56         4800 SH
  UNITED DOMINION REALTY TRUST     COMMON STOCK    910197102         228        19400 SH
  UNITED NATL BANCORP N J          COMMON STOCK    910909100          25         1053 SH
  UNITED NATL BANCORP N J          COMMON STOCK    910909100         535        22514 SH
  UNITED RETAIL GROUP              COMMON STOCK    911380103         272        18000 SH
  U S INDUSTRIES                   COMMON STOCK    912080108        1044        61412 SH
  U S WEST NEW                     COMMON STOCK    91273H101        2485        42302 SH
  U S WEST NEW                     COMMON STOCK    91273H101         219         3732 SH
  U S WEST NEW                     COMMON STOCK    91273H101        1673        28479 SH
  UNITED TECHNOLOGIES              COMMON STOCK    913017109       24609       341792 SH
  UNITED TECHNOLOGIES              COMMON STOCK    913017109          29          400 SH
  UNITED TECHNOLOGIES              COMMON STOCK    913017109        2724        37840 SH
  UNITED TECHNOLOGIES              COMMON STOCK    913017109          29          400 SH
  UNITED WTR RESOURCES             COMMON STOCK    913190104         570        25143 SH
  UNITED WTR RESOURCES             COMMON STOCK    913190104          23         1000 SH
  UNITED WTR RESOURCES             COMMON STOCK    913190104          38         1687 SH
  VALLEY NATL BANCORP              COMMON STOCK    919794107         756        26300 SH
  VALLEY NATL BANCORP              COMMON STOCK    919794107           7          232 SH
  VALLEY NATL BANCORP              COMMON STOCK    919794107         251         8716 SH
  VANGUARD FIXED SECS FD           MUTUAL FUNDS-FI 922031307        3160       313778 SH
  VANGUARD FIXED SECS FD           MUTUAL FUNDS-FI 922031307         258        25649 SH
  VANGUARD FIXED SECS FD           MUTUAL FUNDS-FI 922031307         170        16921 SH
  VIAD                             COMMON STOCK    92552R109         628        20286 SH
  VIAD                             COMMON STOCK    92552R109          31         1000 SH
  VIAD                             COMMON STOCK    92552R109         198         6400 SH
  VODAFONE AIRTOUCH PLC            COMMON STOCK    92857T107        5406        27442 SH
  VODAFONE AIRTOUCH PLC            COMMON STOCK    92857T107         127          644 SH
  VODAFONE AIRTOUCH PLC            COMMON STOCK    92857T107        1054         5350 SH
  VULCAN MATERIALS                 COMMON STOCK    929160109          14          300 SH
  VULCAN MATERIALS                 COMMON STOCK    929160109         193         4008 SH
  WACHOVIA                         COMMON STOCK    929771103         323         3770 SH
  WACHOVIA                         COMMON STOCK    929771103         261         3050 SH
  WAL MART                         COMMON STOCK    931142103       15283       316748 SH
  WAL MART                         COMMON STOCK    931142103        5308       110000 SH
  WALGREEN                         COMMON STOCK    931422109         953        32432 SH
  WALGREEN                         COMMON STOCK    931422109          24          800 SH
  WARNER LAMBERT                   COMMON STOCK    934488107       16689       241435 SH
  WARNER LAMBERT                   COMMON STOCK    934488107         782        11310 SH
  WARNER LAMBERT                   COMMON STOCK    934488107        6218        89958 SH
  WASHINGTON MUTUAL                COMMON STOCK    939322103        1334        37500 SH
  WASHINGTON MUTUAL                COMMON STOCK    939322103          44         1250 SH
  WASTE MANAGEMENT                 COMMON STOCK    94106L109         646        12013 SH
  WASTE MANAGEMENT                 COMMON STOCK    94106L109          19          362 SH
  WASTE MANAGEMENT                 COMMON STOCK    94106L109         296         5499 SH
  WATSON PHARMACEUTICALS           COMMON STOCK    942683103         281         8012 SH
  WATSON PHARMACEUTICALS           COMMON STOCK    942683103           0           11 SH
  WEINGARTEN REALTY SBI            COMMON STOCK    948741103         167         4000 SH
  WEINGARTEN REALTY SBI            COMMON STOCK    948741103          65         1550 SH
  WELLS FARGO NEW                  COMMON STOCK    949746101        3429        80220 SH
  WELLS FARGO NEW                  COMMON STOCK    949746101          17          400 SH
  WELLS FARGO NEW                  COMMON STOCK    949746101         312         7300 SH
  WEYERHAEUSER                     COMMON STOCK    962166104         100         1450 SH
  WEYERHAEUSER                     COMMON STOCK    962166104         227         3300 SH
  WHIRLPOOL                        COMMON STOCK    963320106         300         4050 SH
  WHIRLPOOL                        COMMON STOCK    963320106          22          300 SH
  WHIRLPOOL                        COMMON STOCK    963320106          90         1210 SH
  WILLIAMS COS                     COMMON STOCK    969457100        4311       101287 SH
  WILLIAMS COS                     COMMON STOCK    969457100         383         9000 SH
  WILMINGTON TRUST                 COMMON STOCK    971807102         516         9000 SH
  WILMINGTON TRUST                 COMMON STOCK    971807102         275         4800 SH
  WISCONSIN ENERGY                 COMMON STOCK    976657106         402        16021 SH
  WISCONSIN ENERGY                 COMMON STOCK    976657106         152         6050 SH
  WRIGLEY WM JR                    COMMON STOCK    982526105         692         7757 SH
  WRIGLEY WM JR                    COMMON STOCK    982526105         642         7200 SH
  WRIGLEY WM JR                    COMMON STOCK    982526204         317         3600 SH
  XEROX                            COMMON STOCK    984121103        4192        70970 SH
  XEROX                            COMMON STOCK    984121103         664        11236 SH
  YAHOO                            COMMON STOCK    984332106         388         2250 SH
  YAHOO                            COMMON STOCK    984332106         689         4000 SH
  ZOMAX                            COMMON STOCK    989929104         291         6615 SH
  BOND GROCERY                     COMMON STOCK    991977000         205          380 SH
  BLUE RIBBON LABEL                COMMON STOCK    999M31000        1786           38 SH
  ENDICOTT MACHINE & TOOL          COMMON STOCK    999ZT1003        2398       274699 SH
  SYMYX TECHNOLOGIES               COMMON STOCK    99A005109          50        16666 SH
  SYMYX TECHNOLOGIES               COMMON STOCK    99A005109         150        50000 SH
  KAY PUBLISHING                   COMMON STOCK    99A119108         518           60 SH
  MURRAY HILL RACQUET CLUB         COMMON STOCK    99A246000         605          326 SH
  XL CAPITAL LTD                   COMMON STOCK    G98255105        2656        47000 SH
  XL CAPITAL LTD                   COMMON STOCK    G98255105          57         1000 SH
  SHONK LAND CO LTD PARTNERSHIP    LIMITED PARTNER XX0155004         266          166 PRN
  UNIVERSAL REALTY CO INC          COMMON STOCK    XX5384021         150        94640 SH
  KANAVY COMPUTER CORP CONV PFD    CONVERTIBLE PRE XX5628005          10        10000 SH

  NAME OF ISSUER                  INVSTMT OTHER         VOTING AUTHORITY
  SECURITY NAME                   DISCRTN MANAGERS      SOLE         SHARED       NONE

  A C MOORE ARTS & CRAFTS         SOLE                  10000
  AT&T                            SOLE                  361556
  AT&T                            SOLE                                            53925
  AT&T                            DEFINED               19901
  AT&T                            DEFINED                                         5325
  AT&T                            OTHER                 77806
  AT&T                            OTHER                              2100
  AT&T                            OTHER                                           15040
  ABBOTT LABS                     SOLE                  102098
  ABBOTT LABS                     SOLE                                            36300
  ABBOTT LABS                     DEFINED               1600
  ABBOTT LABS                     OTHER                 110270
  ABBOTT LABS                     OTHER                              2800
  ABBOTT LABS                     OTHER                                           18700
  ACCLAIM ENMNT                   SOLE                  15000
  AETNA                           SOLE                  11258
  AETNA                           OTHER                 1600
  AIR PRODUCTS & CHEMICALS        SOLE                  166100
  AIR PRODUCTS & CHEMICALS        SOLE                                            17400
  AIR PRODUCTS & CHEMICALS        OTHER                 9800
  ALBERTSONS                      SOLE                                            2608
  ALBERTSONS                      OTHER                 1500
  ALLEGHENY ENERGY                SOLE                  7500
  ALLEGHENY ENERGY                SOLE                                            570
  ALLEGHENY ENERGY                DEFINED               400
  ALLEGHENY ENERGY                OTHER                                           800
  ALLEGHENY TELEDYNE              SOLE                  30000
  ALLERGAN                        SOLE                  7704
  ALLIANCE CAPITAL MGMT           SOLE                  20000
  ALLIANCE CAPITAL MGMT           SOLE                                            28600
  ALLIANCE CAPITAL MGMT           DEFINED               2800
  ALLIANCE CAPITAL MGMT           DEFINED                                         1000
  ALLIANCE CAPITAL MGMT           OTHER                 29080
  ALLIANCE CAPITAL MGMT           OTHER                                           10000
  ALLIED IRISH BANKS PLC          SOLE                  8400
  ALLIED IRISH BANKS PLC          OTHER                 5100
  ALLIED SIGNAL                   SOLE                  64286
  ALLIED SIGNAL                   SOLE                                            2300
  ALLIED SIGNAL                   DEFINED               1800
  ALLIED SIGNAL                   OTHER                 5414
  ALLIED SIGNAL                   OTHER                                           3720
  ALLIED WASTE INDS               SOLE                  47300
  ALLIED WASTE INDS               SOLE                                            2000
  ALLSTATE                        SOLE                  77968
  ALLSTATE                        SOLE                                            1300
  ALLSTATE                        DEFINED               1000
  ALLSTATE                        DEFINED                                         926
  ALLSTATE                        OTHER                 4206
  ALLSTATE                        OTHER                                           740
  ALLTELL                         SOLE                  47661
  ALLTELL                         SOLE                                            2166
  ALLTELL                         OTHER                 1885
  ALTERA                          SOLE                  29000
  ALZA                            SOLE                  6375
  AMERICA ONLINE                  SOLE                  166363
  AMERICA ONLINE                  SOLE                                            16815
  AMERICA ONLINE                  DEFINED               8500
  AMERICA ONLINE                  DEFINED                                         1050
  AMERICA ONLINE                  OTHER                 30079
  AMERICA ONLINE                  OTHER                              2400
  AMERICA ONLINE                  OTHER                                           3008
  AMERICAN ELECTRIC POWER         SOLE                  7776
  AMERICAN ELECTRIC POWER         SOLE                                            2330
  AMERICAN ELECTRIC POWER         DEFINED               1059
  AMERICAN ELECTRIC POWER         OTHER                 15194
  AMERICAN ELECTRIC POWER         OTHER                                           7973
  AMERICAN EXPRESS                SOLE                  112856
  AMERICAN EXPRESS                SOLE                                            5600
  AMERICAN EXPRESS                OTHER                 30048
  AMERICAN EXPRESS                OTHER                                           2723
  AMERICAN FINL GROUP INC         SOLE                  10000
  AMERICAN GENERAL                SOLE                  37280
  AMERICAN GENERAL                OTHER                 2490
  AMERICAN HOME PRODUCTS          SOLE                  435187
  AMERICAN HOME PRODUCTS          SOLE                                            42910
  AMERICAN HOME PRODUCTS          DEFINED               12640
  AMERICAN HOME PRODUCTS          DEFINED                                         3600
  AMERICAN HOME PRODUCTS          OTHER                 126651
  AMERICAN HOME PRODUCTS          OTHER                                           16900
  AMERICAN INTL GROUP             SOLE                  383548
  AMERICAN INTL GROUP             SOLE                                            49785
  AMERICAN INTL GROUP             DEFINED               11093
  AMERICAN INTL GROUP             DEFINED                                         500
  AMERICAN INTL GROUP             OTHER                 67050
  AMERICAN INTL GROUP             OTHER                              1352
  AMERICAN INTL GROUP             OTHER                                           17446
  AMERICAN POWER CONVERSION       SOLE                  55950
  AMERICAN POWER CONVERSION       SOLE                                            8200
  AMERICAN POWER CONVERSION       DEFINED               10200
  AMERICAN POWER CONVERSION       OTHER                 10400
  AMERICAN POWER CONVERSION       OTHER                              4000
  AMERICAN POWER CONVERSION       OTHER                                           4000
  AMERICAN WATER WORKS            SOLE                  7109
  AMERITECH                       SOLE                  247956
  AMERITECH                       SOLE                                            26334
  AMERITECH                       DEFINED               13048
  AMERITECH                       DEFINED                                         2072
  AMERITECH                       OTHER                 57508
  AMERITECH                       OTHER                                           9884
  AMGEN                           SOLE                  16800
  AMGEN                           SOLE                                            1000
  AMGEN                           DEFINED               400
  AMGEN                           OTHER                 3400
  ANALOG DEVICES                  SOLE                  4315
  ANHEUSER BUSCH                  SOLE                  24698
  ANHEUSER BUSCH                  SOLE                                            1555
  ANHEUSER BUSCH                  DEFINED               400
  ANHEUSER BUSCH                  DEFINED                                         400
  ANHEUSER BUSCH                  OTHER                 6914
  ANHEUSER BUSCH                  OTHER                                           9000
  APPLIED MATERIALS               SOLE                  107450
  APPLIED MATERIALS               OTHER                 200
  AQUIS COMMUNICATIONS GROUP      SOLE                  10000
  ASSOCIATES FIRST CAPITAL CRP    SOLE                  15534
  ASSOCIATES FIRST CAPITAL CRP    SOLE                                            1826
  ASSOCIATES FIRST CAPITAL CRP    DEFINED               400
  ASSOCIATES FIRST CAPITAL CRP    OTHER                 1386
  ATLANTIC RICHFIELD              SOLE                  184745
  ATLANTIC RICHFIELD              SOLE                                            12038
  ATLANTIC RICHFIELD              DEFINED               1314
  ATLANTIC RICHFIELD              DEFINED                                         200
  ATLANTIC RICHFIELD              OTHER                 29890
  ATLANTIC RICHFIELD              OTHER                                           4640
  AUTOMATIC DATA PROCESSING       SOLE                  344723
  AUTOMATIC DATA PROCESSING       SOLE                                            74452
  AUTOMATIC DATA PROCESSING       DEFINED               18640
  AUTOMATIC DATA PROCESSING       DEFINED                                         1200
  AUTOMATIC DATA PROCESSING       OTHER                 88010
  AUTOMATIC DATA PROCESSING       OTHER                              2000
  AUTOMATIC DATA PROCESSING       OTHER                                           51967
  AVERY DENNISON                  SOLE                  9950
  AVERY DENNISON                  SOLE                                            6700
  AVERY DENNISON                  DEFINED               1800
  AVERY DENNISON                  OTHER                 3000
  AVON PRODUCTS                   SOLE                  3390
  AVON PRODUCTS                   OTHER                 8800
  BB&T CORP                       SOLE                  1800
  BB&T CORP                       OTHER                 5652
  BP AMOCO PLC                    SOLE                  208542
  BP AMOCO PLC                    SOLE                                            13943
  BP AMOCO PLC                    DEFINED               10459
  BP AMOCO PLC                    DEFINED                                         397
  BP AMOCO PLC                    OTHER                 53663
  BP AMOCO PLC                    OTHER                                           7010
  BP AMOCO PLC                    DEF/OTH               100
  BSB BANCORP                     SOLE                  1849
  BSB BANCORP                     SOLE                                            22570
  BAKER FENTRESS                  SOLE                  46173
  BAKER FENTRESS                  OTHER                 106422
  BANK AMER                       SOLE                  158028
  BANK AMER                       SOLE                                            7050
  BANK AMER                       OTHER                 31260
  BANK AMER                       OTHER                              427
  BANK AMER                       OTHER                                           7150
  BANK OF NY                      SOLE                  747223
  BANK OF NY                      SOLE                                            32316
  BANK OF NY                      DEFINED               800
  BANK OF NY                      DEFINED                                         2000
  BANK OF NY                      OTHER                 60416
  BANK OF NY                      OTHER                                           12200
  BANK ONE                        SOLE                  90563
  BANK ONE                        SOLE                                            6900
  BANK ONE                        DEFINED               1005
  BANK ONE                        OTHER                 2832
  BANK ONE                        OTHER                                           1603
  BANKBOSTON CORP                 SOLE                  6392
  BANKBOSTON CORP                 OTHER                 216
  BARD C R                        SOLE                  2072
  BARD C R                        SOLE                                            600
  BARD C R                        DEFINED               700
  BARD C R                        OTHER                 3300
  BAXTER INTL                     SOLE                  67053
  BAXTER INTL                     SOLE                                            650
  BAXTER INTL                     DEFINED               400
  BAXTER INTL                     OTHER                 2100
  BEAR STEARNS                    SOLE                  6566
  BEAR STEARNS                    OTHER                 905
  BECTON DICKINSON & CO           SOLE                  145505
  BECTON DICKINSON & CO           SOLE                                            19550
  BECTON DICKINSON & CO           OTHER                 5300
  BECTON DICKINSON & CO           OTHER                                           6400
  BELL ATLANTIC                   SOLE                  277806
  BELL ATLANTIC                   SOLE                                            33715
  BELL ATLANTIC                   DEFINED               16978
  BELL ATLANTIC                   DEFINED                                         2174
  BELL ATLANTIC                   OTHER                 159038
  BELL ATLANTIC                   OTHER                                           22676
  BELLSOUTH                       SOLE                  702113
  BELLSOUTH                       SOLE                                            52738
  BELLSOUTH                       DEFINED               23020
  BELLSOUTH                       DEFINED                                         1832
  BELLSOUTH                       OTHER                 195156
  BELLSOUTH                       OTHER                              2200
  BELLSOUTH                       OTHER                                           30972
  BELLSOUTH                       DEF/OTH               400
  BERKSHIRE                       SOLE                  2
  BERKSHIRE                       SOLE                                            6
  BERKSHIRE                       DEFINED                                         1
  BERKSHIRE                       SOLE                  1080
  BERKSHIRE                       SOLE                                            619
  BERKSHIRE                       DEFINED               5
  BERKSHIRE                       OTHER                 748
  BERKSHIRE                       OTHER                                           375
  BESTFOODS                       SOLE                  352883
  BESTFOODS                       SOLE                                            24410
  BESTFOODS                       DEFINED               11616
  BESTFOODS                       DEFINED                                         600
  BESTFOODS                       OTHER                 32988
  BESTFOODS                       OTHER                              1600
  BESTFOODS                       OTHER                                           10028
  BESTFOODS                       DEF/OTH               100
  BIOMET                          SOLE                  5620
  BLACK BOX CORP DEL              SOLE                  4750
  BLUE CHIP VALUE FD              SOLE                  16450
  BOEING                          SOLE                  17914
  BOEING                          SOLE                                            700
  BOEING                          OTHER                 33874
  BOEING                          OTHER                                           674
  BOSTON SCIENTIFIC               SOLE                  9100
  BOSTON SCIENTIFIC               DEFINED               2800
  BRISTOL MYERS SQUIBB            SOLE                  645826
  BRISTOL MYERS SQUIBB            SOLE                                            47820
  BRISTOL MYERS SQUIBB            DEFINED               17400
  BRISTOL MYERS SQUIBB            DEFINED                                         4800
  BRISTOL MYERS SQUIBB            OTHER                 214444
  BRISTOL MYERS SQUIBB            OTHER                                           26200
  BROAD NATIONAL BANCORP          OTHER                 21620
  BROWNING FERRIS                 SOLE                  41046
  BURLINGTON NORTHERN SANTA FE    SOLE                  306428
  BURLINGTON NORTHERN SANTA FE    SOLE                                            2475
  BURLINGTON NORTHERN SANTA FE    DEFINED                                         1500
  BURLINGTON NORTHERN SANTA FE    OTHER                 13500
  BURLINGTON NORTHERN SANTA FE    OTHER                              1140
  BURLINGTON RESOURCES            SOLE                  6915
  BURLINGTON RESOURCES            SOLE                                            435
  BURLINGTON RESOURCES            DEFINED               1525
  BURLINGTON RESOURCES            OTHER                 724
  BURLINGTON RESOURCES            OTHER                              200
  BURLINGTON RESOURCES            OTHER                                           1500
  CBS                             SOLE                  6657
  CBS                             SOLE                                            460
  CBS                             DEFINED               930
  CBS                             OTHER                 344
  CIGNA                           SOLE                  21883
  CIGNA                           SOLE                                            2500
  CIGNA                           DEFINED                                         2000
  CIGNA                           OTHER                 6400
  CIGNA                           OTHER                                           1500
  CNF TRANSPORTATION              SOLE                  20000
  CSX                             SOLE                  63076
  CSX                             SOLE                                            2520
  CSX                             DEFINED               1800
  CSX                             OTHER                 6000
  CVS                             SOLE                  10200
  CVS                             SOLE                                            5400
  CVS                             OTHER                 850
  CVS                             OTHER                              1000
  CVS                             OTHER                                           2400
  CAMPBELL SOUP                   SOLE                  25900
  CAMPBELL SOUP                   SOLE                                            200
  CAMPBELL SOUP                   OTHER                 15050
  CAMPBELL SOUP                   OTHER                              2000
  CAMPBELL SOUP                   OTHER                                           4800
  CARDINAL HEALTH                 SOLE                  7086
  CARNIVAL                        SOLE                  191900
  CARNIVAL                        SOLE                                            18150
  CARNIVAL                        DEFINED               1600
  CARNIVAL                        DEFINED                                         1200
  CARNIVAL                        OTHER                 2850
  CARNIVAL                        OTHER                                           1100
  CAROLINA PWR & LT               SOLE                  6680
  CAROLINA PWR & LT               SOLE                                            4000
  CAROLINA PWR & LT               OTHER                 800
  CAROLINA PWR & LT               OTHER                                           400
  CATERPILLAR                     SOLE                  4800
  CATERPILLAR                     SOLE                                            5700
  CATERPILLAR                     OTHER                 8195
  CENDANT                         SOLE                  30085
  CENDANT                         SOLE                                            1500
  CENTOCOR                        SOLE                  7125
  CENTRAL & SOUTHWEST             SOLE                  4400
  CENTRAL & SOUTHWEST             SOLE                                            2033
  CENTRAL & SOUTHWEST             DEFINED               2000
  CENTRAL & SOUTHWEST             OTHER                 4700
  CENTURYTEL                      SOLE                  3880
  CENTURYTEL                      SOLE                                            10125
  CHASE MANHATTAN                 SOLE                  163700
  CHASE MANHATTAN                 SOLE                                            9492
  CHASE MANHATTAN                 DEFINED               4600
  CHASE MANHATTAN                 DEFINED                                         500
  CHASE MANHATTAN                 OTHER                 5082
  CHASE MANHATTAN                 OTHER                                           2000
  CHEVRON                         SOLE                  60218
  CHEVRON                         SOLE                                            12904
  CHEVRON                         DEFINED               4940
  CHEVRON                         OTHER                 15768
  CHEVRON                         OTHER                                           125
  CHIRON                          SOLE                  27425
  CHIRON                          OTHER                 5000
  CHUBB                           SOLE                  12150
  CHUBB                           SOLE                                            200
  CHUBB                           OTHER                 11532
  CHUBB                           OTHER                                           11625
  CINCINNATI BELL                 SOLE                  2600
  CINCINNATI BELL                 OTHER                 10400
  CINCINNATI BELL                 OTHER                                           2600
  CIRCUIT CITY                    SOLE                  5600
  CIRCUIT CITY                    OTHER                 500
  CISCO SYSTEMS                   SOLE                  547094
  CISCO SYSTEMS                   SOLE                                            34108
  CISCO SYSTEMS                   DEFINED               16604
  CISCO SYSTEMS                   DEFINED                                         1600
  CISCO SYSTEMS                   OTHER                 66532
  CISCO SYSTEMS                   OTHER                              3000
  CISCO SYSTEMS                   OTHER                                           3464
  CINTAS                          SOLE                  2660
  CINTAS                          SOLE                                            4200
  CINTAS                          OTHER                 600
  CITIGROUP                       SOLE                  387122
  CITIGROUP                       SOLE                                            25064
  CITIGROUP                       DEFINED               20362
  CITIGROUP                       DEFINED                                         262
  CITIGROUP                       OTHER                 31626
  CITIGROUP                       OTHER                              900
  CITIGROUP                       OTHER                                           1875
  CLOROX                          SOLE                  12149
  CLOROX                          SOLE                                            4500
  CLOROX                          OTHER                 4200
  COCA COLA                       SOLE                  216598
  COCA COLA                       SOLE                                            54194
  COCA COLA                       DEFINED               7090
  COCA COLA                       DEFINED                                         2000
  COCA COLA                       OTHER                 152924
  COCA COLA                       OTHER                                           49166
  COLGATE PALMOLIVE               SOLE                  175740
  COLGATE PALMOLIVE               SOLE                                            7400
  COLGATE PALMOLIVE               DEFINED                                         400
  COLGATE PALMOLIVE               OTHER                 18655
  COLUMBIA ENERGY GROUP           OTHER                 15750
  COLUMBIA ENERGY GROUP           OTHER                                           4500
  COMDISCO INC                    SOLE                  46875
  COMERICA                        SOLE                  5325
  COMERICA                        OTHER                 5620
  COMPAQ COMPUTER                 SOLE                  182708
  COMPAQ COMPUTER                 SOLE                                            6650
  COMPAQ COMPUTER                 DEFINED               2800
  COMPAQ COMPUTER                 DEFINED                                         800
  COMPAQ COMPUTER                 OTHER                 29190
  COMPAQ COMPUTER                 OTHER                                           9180
  COMPUTER ASSOCIATES             SOLE                  27915
  COMPUTER ASSOCIATES             SOLE                                            18049
  COMPUTER ASSOCIATES             DEFINED               2200
  COMPUTER ASSOCIATES             DEFINED                                         200
  COMPUTER ASSOCIATES             OTHER                 12612
  COMPUTER ASSOCIATES             OTHER                                           1975
  COMPUWARE                       SOLE                  61200
  COMPUWARE                       SOLE                                            10000
  CONAGRA                         SOLE                  5850
  CONAGRA                         DEFINED                                         226
  CONAGRA                         OTHER                 27450
  CONECTIV                        SOLE                  10083
  CONECTIV                        OTHER                 2650
  CONECTIV                        OTHER                                           300
  CONEXANT                        SOLE                  2388
  CONEXANT                        SOLE                                            1800
  CONEXANT                        DEFINED               600
  CONEXANT                        OTHER                 950
  CONEXANT                        OTHER                                           2350
  CONEXANT                        DEF/OTH               758
  CONSECO                         SOLE                  7453
  CONSECO                         SOLE                                            1128
  CONSECO                         DEFINED               1894
  CONSECO                         OTHER                 5100
  CONSECO                         SOLE                  715
  CONSECO                         DEFINED               2000
  CONSECO                         DEFINED                                         450
  CONSECO                         OTHER                 3400
  CONSOLIDATED EDISON             SOLE                  30152
  CONSOLIDATED EDISON             SOLE                                            5450
  CONSOLIDATED EDISON             DEFINED               2075
  CONSOLIDATED EDISON             OTHER                 1530
  CONSOLIDATED EDISON             OTHER                                           2296
  CONSOLIDATED NATURAL GAS        SOLE                  145773
  CONSOLIDATED NATURAL GAS        SOLE                                            5850
  CONSOLIDATED NATURAL GAS        DEFINED               2300
  CONSOLIDATED NATURAL GAS        OTHER                 10904
  CONSOLIDATED NATURAL GAS        OTHER                                           1648
  CONSTELLATION ENERGY GROUP      SOLE                  10322
  CONSTELLATION ENERGY GROUP      DEFINED               300
  CONSTELLATION ENERGY GROUP      OTHER                 1400
  CONSTELLATION ENERGY GROUP      OTHER                                           825
  CONVERGYS                       SOLE                  2600
  CONVERGYS                       OTHER                 10400
  CONVERGYS                       OTHER                                           2600
  COOPER COS                      SOLE                  14266
  COOPER IND                      SOLE                  3136
  COOPER IND                      OTHER                                           1532
  CORNING                         SOLE                  45427
  CORNING                         SOLE                                            13200
  CORNING                         DEFINED               2700
  CORNING                         OTHER                 17765
  CORNING                         OTHER                                           500
  COSTCO COMPANIES                SOLE                  2876
  COX COMMUNICATIONS NEW CLASS A  SOLE                                            11436
  CRIIMI MAE                      SOLE                  10000
  DALLAS SEMICONDUCTOR            SOLE                  15000
  DANA                            SOLE                  63900
  DANA                            DEFINED               450
  DANA                            DEFINED                                         464
  DANA                            OTHER                 185
  DANA                            OTHER                                           475
  DANAHER                         SOLE                  11142
  DANAHER                         DEFINED               300
  DANAHER                         DEFINED                                         1600
  DARDEN RESTAURANTS              SOLE                  500
  DARDEN RESTAURANTS              SOLE                                            1000
  DARDEN RESTAURANTS              OTHER                 10912
  DAYTON HUDSON                   SOLE                  7220
  DAYTON HUDSON                   SOLE                                            3300
  DAYTON HUDSON                   OTHER                 22000
  DAYTON HUDSON                   OTHER                                           4200
  DEERE                           SOLE                  147562
  DEERE                           SOLE                                            1600
  DEERE                           OTHER                 9300
  DEERE                           OTHER                                           8400
  DELL COMPUTER                   SOLE                  727023
  DELL COMPUTER                   SOLE                                            78720
  DELL COMPUTER                   DEFINED               73692
  DELL COMPUTER                   DEFINED                                         1700
  DELL COMPUTER                   OTHER                 49985
  DELL COMPUTER                   OTHER                              24800
  DELL COMPUTER                   OTHER                                           14641
  DELPHI AUTOMOTIVE SYS           SOLE                  12469
  DELPHI AUTOMOTIVE SYS           SOLE                                            1238
  DELPHI AUTOMOTIVE SYS           DEFINED               811
  DELPHI AUTOMOTIVE SYS           OTHER                 2403
  DELPHI AUTOMOTIVE SYS           OTHER                                           1186
  DEVELOPERS DIVERS REALTY        OTHER                 13900
  DEVRY INC DEL                   SOLE                  10925
  DIAL                            SOLE                  786
  DIAL                            OTHER                 400
  DIAL                            OTHER                                           6000
  DIAMETRICS MED                  SOLE                  5000
  DIAMETRICS MED                  OTHER                 20000
  DISNEY WALT                     SOLE                  512841
  DISNEY WALT                     SOLE                                            102226
  DISNEY WALT                     DEFINED               13040
  DISNEY WALT                     DEFINED                                         2400
  DISNEY WALT                     OTHER                 93735
  DISNEY WALT                     OTHER                                           30239
  DOMINION RESOURCES              SOLE                  8031
  DOMINION RESOURCES              DEFINED               450
  DOMINION RESOURCES              OTHER                 825
  DONALDSON LUFKIN & JENRETTE     SOLE                  4926
  DOVER                           SOLE                  2090
  DOVER                           SOLE                                            9200
  DOVER                           DEFINED               2000
  DOVER                           OTHER                 3520
  DOW CHEMICAL                    SOLE                  15424
  DOW CHEMICAL                    SOLE                                            5057
  DOW CHEMICAL                    DEFINED               625
  DOW CHEMICAL                    OTHER                 9912
  DOW CHEMICAL                    OTHER                              300
  DOW CHEMICAL                    OTHER                                           9800
  DU PONT E I DE NEMOURS          SOLE                  407908
  DU PONT E I DE NEMOURS          SOLE                                            29790
  DU PONT E I DE NEMOURS          DEFINED               6850
  DU PONT E I DE NEMOURS          DEFINED                                         1550
  DU PONT E I DE NEMOURS          OTHER                 80821
  DU PONT E I DE NEMOURS          OTHER                                           30592
  DU PONT E I DE NEMOURS          DEF/OTH               300
  DUFF & PHELPS UTILITIES INCOME  SOLE                  7557
  DUFF & PHELPS UTILITIES INCOME  OTHER                 6300
  DUKE ENERGY                     SOLE                  18646
  DUKE ENERGY                     SOLE                                            8397
  DUKE ENERGY                     DEFINED               1050
  DUKE ENERGY                     DEFINED                                         850
  DUKE ENERGY                     OTHER                 5200
  DUKE ENERGY                     OTHER                                           750
  DUKE RLTY INVTS                 SOLE                  610
  DUKE RLTY INVTS                 SOLE                                            10000
  DUN & BRADSTREET                SOLE                  11121
  DUN & BRADSTREET                OTHER                 860
  DUN & BRADSTREET                OTHER                                           2680
  EMC                             SOLE                  232400
  EMC                             SOLE                                            17000
  EMC                             OTHER                 3570
  EMC                             OTHER                              1200
  E'TOWN                          SOLE                  3950
  E'TOWN                          SOLE                                            582
  E'TOWN                          OTHER                 1129
  E'TOWN                          OTHER                                           600
  EASTMAN KODAK                   SOLE                  9491
  EASTMAN KODAK                   SOLE                                            1975
  EASTMAN KODAK                   OTHER                 3713
  EASTMAN KODAK                   OTHER                                           907
  EATON                           SOLE                  4862
  EATON                           SOLE                                            224
  EATON                           DEFINED               350
  EATON                           OTHER                 311
  EDINBERG                        OTHER                                           82
  EDISON INTERNATIONAL            SOLE                  7325
  EDISON INTERNATIONAL            SOLE                                            1030
  EDISON INTERNATIONAL            OTHER                 600
  EDISON INTERNATIONAL            OTHER                                           1200
  EL PASO ENERGY                  SOLE                  30000
  EL PASO ENERGY DEL              SOLE                  33010
  EL PASO ENERGY DEL              OTHER                 1948
  ELAN PLC                        SOLE                  29000
  ELAN PLC                        OTHER                 2000
  ELECTRONIC ARTS                 SOLE                  5985
  ELECTRONIC ARTS                 SOLE                                            550
  ELECTRONIC DATA SYSTEMS         SOLE                  242370
  ELECTRONIC DATA SYSTEMS         SOLE                                            19925
  ELECTRONIC DATA SYSTEMS         DEFINED               10570
  ELECTRONIC DATA SYSTEMS         DEFINED                                         1200
  ELECTRONIC DATA SYSTEMS         OTHER                 24526
  ELECTRONIC DATA SYSTEMS         OTHER                              1400
  ELECTRONIC DATA SYSTEMS         OTHER                                           5010
  EMERSON ELECTRIC                SOLE                  212062
  EMERSON ELECTRIC                SOLE                                            11998
  EMERSON ELECTRIC                DEFINED               600
  EMERSON ELECTRIC                DEFINED                                         200
  EMERSON ELECTRIC                OTHER                 25965
  EMERSON ELECTRIC                OTHER                                           20400
  ENERGY EAST                     SOLE                  1830
  ENERGY EAST                     SOLE                                            18790
  ENERGY EAST                     OTHER                 44
  ENGELHARD                       SOLE                  30487
  ENGELHARD                       SOLE                                            1350
  ENGELHARD                       DEFINED               2950
  ENGELHARD                       OTHER                 23700
  ENGELHARD                       OTHER                                           9850
  ENRON                           SOLE                  430625
  ENRON                           SOLE                                            29125
  ENRON                           DEFINED               6625
  ENRON                           DEFINED                                         900
  ENRON                           OTHER                 30899
  ENRON                           OTHER                                           2792
  ENRON                           DEF/OTH               150
  EQUIFAX                         SOLE                  21150
  EQUITY INCOME FUND              SOLE                  3542
  EQUITY INCOME FUND              DEFINED               534
  EQUITY INCOME FUND              DEFINED                                         100
  EQUITY INCOME FUND              OTHER                 4927
  ERICSSON                        SOLE                  79620
  ERICSSON                        SOLE                                            9410
  ERICSSON                        DEFINED               4000
  ERICSSON                        OTHER                 7400
  ERICSSON                        OTHER                              4400
  ERICSSON                        OTHER                                           3500
  EXODUS COMMUNICATIONS           SOLE                  2000
  EXXON                           SOLE                  625600
  EXXON                           SOLE                                            59042
  EXXON                           DEFINED               25676
  EXXON                           DEFINED                                         5700
  EXXON                           OTHER                 269356
  EXXON                           OTHER                              1976
  EXXON                           OTHER                                           54342
  FPL                             SOLE                  121092
  FPL                             SOLE                                            6550
  FPL                             DEFINED               600
  FPL                             DEFINED                                         100
  FPL                             OTHER                 8240
  FPL                             OTHER                                           700
  FDX                             SOLE                  3800
  FANNIE MAE                      SOLE                  252122
  FANNIE MAE                      SOLE                                            26350
  FANNIE MAE                      DEFINED                                         500
  FANNIE MAE                      OTHER                 15825
  FANNIE MAE                      OTHER                                           2300
  FEDERATED DEPT STORES DEL       SOLE                  5840
  FEDERATED INDEX TR              SOLE                  7029
  FEDERATED INDEX TR              OTHER                 3844
  FIDELITY                        SOLE                  11653
  FIDELITY EQUITY - INCOME FUND   SOLE                  847
  FIDELITY EQUITY - INCOME FUND   SOLE                                            2053
  FIDELITY EQUITY - INCOME FUND   OTHER                 4080
  FIRST COLONIAL GROUP            SOLE                  9513
  FIRST DATA                      SOLE                  20497
  FIRST DATA                      SOLE                                            500
  FIRST DATA                      OTHER                 4000
  FIRST SEC DEL                   OTHER                 10800
  FIRST SEC DEL                   OTHER                                           11250
  FIRST UNION                     SOLE                  272831
  FIRST UNION                     SOLE                                            19151
  FIRST UNION                     DEFINED               6838
  FIRST UNION                     DEFINED                                         240
  FIRST UNION                     OTHER                 67903
  FIRST UNION                     OTHER                              2043
  FIRST UNION                     OTHER                                           26320
  FIRST UNION                     DEF/OTH               421
  FIRST UNION                     SOLE                  300000
  FIRST VIRGINIA BANKS            SOLE                  3600
  FIRST VIRGINIA BANKS            OTHER                 1125
  FLEET FINL GROUP                SOLE                  11545
  FLEET FINL GROUP                OTHER                 9240
  FLEET FINL GROUP                OTHER                                           7200
  FLEMINGTON FUR                  SOLE                  95734
  FLEMINGTON FUR                  SOLE                  71914
  FLORIDA                         SOLE                  9600
  FLORIDA                         DEFINED               450
  FLORIDA                         OTHER                 4800
  FLORIDA                         OTHER                                           450
  FLUOR                           SOLE                  7200
  FLUOR                           OTHER                 80
  FORD MOTOR DEL                  SOLE                  50613
  FORD MOTOR DEL                  SOLE                                            3400
  FORD MOTOR DEL                  DEFINED                                         1000
  FORD MOTOR DEL                  OTHER                 3370
  FORD MOTOR DEL                  OTHER                                           200
  FORTUNE BRANDS                  SOLE                  18300
  FORTUNE BRANDS                  SOLE                                            400
  FORTUNE BRANDS                  DEFINED               800
  FORTUNE BRANDS                  OTHER                 7448
  FRANKLIN INTERNATIONAL          OTHER                                           4316
  FRANKLIN RESOURCES              SOLE                  104718
  FRANKLIN RESOURCES              SOLE                                            14850
  FRANKLIN RESOURCES              DEFINED               5724
  FRANKLIN RESOURCES              DEFINED                                         1000
  FRANKLIN RESOURCES              OTHER                 17545
  FRANKLIN RESOURCES              OTHER                                           1207
  FRONTIER                        SOLE                  11250
  FRONTIER                        SOLE                                            1000
  FULTON FINL PA                  SOLE                  65450
  GPU                             SOLE                  14985
  GPU                             SOLE                                            7280
  GPU                             DEFINED               488
  GPU                             DEFINED                                         750
  GPU                             OTHER                 32488
  GPU                             OTHER                                           1950
  GTE                             SOLE                  137188
  GTE                             SOLE                                            10467
  GTE                             DEFINED               5300
  GTE                             OTHER                 56515
  GTE                             OTHER                                           2650
  GALLAHER GROUP                  SOLE                  14850
  GALLAHER GROUP                  SOLE                                            400
  GALLAHER GROUP                  OTHER                 4078
  GALLAHER GROUP                  OTHER                                           3800
  GANNETT                         SOLE                  163056
  GANNETT                         SOLE                                            11150
  GANNETT                         DEFINED               1600
  GANNETT                         OTHER                 10700
  GANNETT                         OTHER                                           400
  GAP STORES                      SOLE                  244171
  GAP STORES                      SOLE                                            11175
  GAP STORES                      DEFINED               1613
  GAP STORES                      OTHER                 1500
  GENERAL ELECTRIC                SOLE                  970642
  GENERAL ELECTRIC                SOLE                                            177127
  GENERAL ELECTRIC                DEFINED               39620
  GENERAL ELECTRIC                DEFINED                                         12850
  GENERAL ELECTRIC                OTHER                 309207
  GENERAL ELECTRIC                OTHER                              2800
  GENERAL ELECTRIC                OTHER                                           144042
  GENERAL ELECTRIC                DEF/OTH               300
  GENERAL MILLS                   SOLE                  7150
  GENERAL MILLS                   SOLE                                            2600
  GENERAL MILLS                   DEFINED               1384
  GENERAL MILLS                   OTHER                 16570
  GENERAL MILLS                   OTHER                                           2464
  GENERAL MOTORS                  SOLE                  17830
  GENERAL MOTORS                  SOLE                                            1776
  GENERAL MOTORS                  DEFINED               1162
  GENERAL MOTORS                  OTHER                 3448
  GENERAL MOTORS                  OTHER                                           1700
  GENUINE PARTS                   SOLE                  8400
  GENUINE PARTS                   SOLE                                            900
  GENUINE PARTS                   DEFINED                                         450
  GENUINE PARTS                   OTHER                 11075
  GENZYME                         SOLE                  2800
  GENZYME                         OTHER                 2800
  GEORGIA PACIFIC                 SOLE                  10456
  GEORGIA PACIFIC                 DEFINED                                         800
  GEORGIA PACIFIC                 OTHER                 4300
  GEORGIA PACIFIC                 OTHER                                           3200
  GILLETTE                        SOLE                  215735
  GILLETTE                        SOLE                                            57893
  GILLETTE                        DEFINED               14289
  GILLETTE                        DEFINED                                         1500
  GILLETTE                        OTHER                 39625
  GILLETTE                        OTHER                              2000
  GILLETTE                        OTHER                                           9385
  GLAXO                           SOLE                  240178
  GLAXO                           SOLE                                            2950
  GLAXO                           OTHER                 12375
  GLIMCHER REALTY TRUST           OTHER                 10950
  GOVERNMENT SECURITIES INCOME FD SOLE                                            88334
  GUIDANT                         SOLE                  1946
  GUIDANT                         OTHER                 3752
  HSB GROUP                       SOLE                  6555
  HALLIBURTON                     SOLE                  17880
  HALLIBURTON                     SOLE                                            1000
  HALLIBURTON                     OTHER                 2800
  HALLIBURTON                     OTHER                                           1600
  HARLEY DAVIDSON                 SOLE                  95540
  HARLEY DAVIDSON                 SOLE                                            4000
  HARLEY DAVIDSON                 OTHER                 1200
  HARRIS                          SOLE                  4000
  HARRIS                          SOLE                                            2200
  HARSCO                          SOLE                  14496
  HARTFORD FINANCIAL SERVICES     SOLE                  20000
  HARTFORD FINANCIAL SERVICES     DEFINED               1508
  HARTFORD FINANCIAL SERVICES     OTHER                 10754
  HARTFORD FINANCIAL SERVICES     OTHER                                           1000
  THE HARVILL PRESS LIMITED       OTHER                 18625
  HEINEKEN NV ADR                 SOLE                                            6500
  HEINZ H J                       SOLE                  26590
  HEINZ H J                       SOLE                                            2450
  HEINZ H J                       DEFINED               1750
  HEINZ H J                       DEFINED                                         300
  HEINZ H J                       OTHER                 15065
  HEINZ H J                       OTHER                                           2350
  HELIX TECHNOLOGY                OTHER                 7800
  HELIX TECHNOLOGY                OTHER                                           7200
  HERCULES                        SOLE                  15629
  HERCULES                        OTHER                 1900
  HERSHEY FOODS                   SOLE                  14887
  HERSHEY FOODS                   SOLE                                            1525
  HERSHEY FOODS                   DEFINED               600
  HERSHEY FOODS                   OTHER                 5900
  HERSHEY FOODS                   OTHER                                           3000
  HEWLETT PACKARD                 SOLE                  250430
  HEWLETT PACKARD                 SOLE                                            15435
  HEWLETT PACKARD                 DEFINED               1885
  HEWLETT PACKARD                 DEFINED                                         1500
  HEWLETT PACKARD                 OTHER                 46002
  HEWLETT PACKARD                 OTHER                                           3950
  HEWLETT PACKARD                 DEF/OTH               200
  HIGHWOODS PPTYS                 OTHER                 7900
  HOLLINGER INTERNATIONAL         SOLE                  100000
  HOME DEPOT                      SOLE                  337996
  HOME DEPOT                      SOLE                                            50769
  HOME DEPOT                      DEFINED               17080
  HOME DEPOT                      DEFINED                                         1050
  HOME DEPOT                      OTHER                 63946
  HOME DEPOT                      OTHER                              2160
  HOME DEPOT                      OTHER                                           6418
  HONEYWELL                       SOLE                  45470
  HONEYWELL                       SOLE                                            3500
  HONEYWELL                       OTHER                 2250
  HOOPER HOLMES                   SOLE                  15000
  HOSPITALITY PPTYS TR            SOLE                  18050
  HOSPITALITY PPTYS TR            SOLE                                            300
  HOSPITALITY PPTYS TR            DEFINED                                         400
  HOSPITALITY PPTYS TR            OTHER                 5300
  HOUSEHOLD INTERNATIONAL         SOLE                  67887
  HOUSEHOLD INTERNATIONAL         SOLE                                            797
  HOUSEHOLD INTERNATIONAL         OTHER                 6323
  HUBBELL                         SOLE                  20000
  HUDSON UTD BANCORP              SOLE                  3386
  HUDSON UTD BANCORP              OTHER                                           3297
  IMS HEALTH                      SOLE                  42342
  IMS HEALTH                      SOLE                                            23000
  IMS HEALTH                      DEFINED               2400
  IMS HEALTH                      OTHER                 3220
  IMS HEALTH                      OTHER                                           5360
  ILLINOIS TOOL WORKS             SOLE                  46330
  ILLINOIS TOOL WORKS             SOLE                                            9500
  ILLINOIS TOOL WORKS             OTHER                 16500
  ILLINOIS TOOL WORKS             OTHER                                           29400
  INFORMIX                        SOLE                  13000
  INFORMIX                        DEFINED               1000
  INGERSOLL RAND                  SOLE                  66618
  INGERSOLL RAND                  SOLE                                            187
  INGERSOLL RAND                  DEFINED               550
  INGERSOLL RAND                  OTHER                 2100
  INGERSOLL RAND                  SOLE                  35000
  INTEL                           SOLE                  654965
  INTEL                           SOLE                                            80958
  INTEL                           DEFINED               12992
  INTEL                           DEFINED                                         1600
  INTEL                           OTHER                 98772
  INTEL                           OTHER                              1200
  INTEL                           OTHER                                           31916
  INTL BUSINESS MACHINES          SOLE                  290217
  INTL BUSINESS MACHINES          SOLE                                            233536
  INTL BUSINESS MACHINES          DEFINED               1600
  INTL BUSINESS MACHINES          DEFINED                                         9760
  INTL BUSINESS MACHINES          OTHER                 52192
  INTL BUSINESS MACHINES          OTHER                                           14220
  INTL FLAVORS & FRAGRANCES       SOLE                  1500
  INTL FLAVORS & FRAGRANCES       SOLE                                            4500
  INTL FLAVORS & FRAGRANCES       DEFINED               2500
  INTL FLAVORS & FRAGRANCES       OTHER                 1000
  INTERNATIONAL PAPER             SOLE                  21970
  INTERNATIONAL PAPER             OTHER                 4774
  INTERPUBLIC GROUP               SOLE                  89050
  INTERPUBLIC GROUP               SOLE                                            1800
  JANUS                           SOLE                  89848
  JOHNSON & JOHNSON               SOLE                  366129
  JOHNSON & JOHNSON               SOLE                                            50480
  JOHNSON & JOHNSON               DEFINED               12222
  JOHNSON & JOHNSON               DEFINED                                         800
  JOHNSON & JOHNSON               OTHER                 196467
  JOHNSON & JOHNSON               OTHER                              400
  JOHNSON & JOHNSON               OTHER                                           45647
  KELLOGG                         SOLE                  2000
  KELLOGG                         OTHER                 1800
  KELLOGG                         OTHER                                           128000
  KEMPER MUN BD FD SH BEN INT     SOLE                  17990
  KEMPER GOVT SECS TR             SOLE                  10000
  KEYCORP                         SOLE                  8882
  KEYCORP                         DEFINED               700
  KEYCORP                         OTHER                 3820
  KEYCORP                         OTHER                                           200
  KEYSPAN                         SOLE                  4718
  KEYSPAN                         SOLE                                            3116
  KEYSPAN                         DEFINED               2800
  KEYSPAN                         OTHER                 1728
  KIMBERLY CLARK                  SOLE                  224897
  KIMBERLY CLARK                  SOLE                                            9725
  KIMBERLY CLARK                  DEFINED               3456
  KIMBERLY CLARK                  OTHER                 14850
  KIMBERLY CLARK                  OTHER                                           400
  KIMBERLY CLARK                  DEF/OTH               100
  KIMCO REALTY                    SOLE                  1000
  KIMCO REALTY                    SOLE                                            7300
  KONINKLIJKE PHILLIPS ELECTRONICSSOLE                  11960
  KONINKLIJKE PHILLIPS ELECTRONICSOTHER                 1748
  ESTEE LAUDER AUTO EXCH SEC TR IISOLE                  15000
  ESTEE LAUDER COMPANIES-CL A     SOLE                  169480
  ESTEE LAUDER COMPANIES-CL A     OTHER                 1400
  LEHMAN BROS                     SOLE                  1939
  LEHMAN BROS                     OTHER                 2092
  LEHMAN BROS                     OTHER                                           519
  LEVITZ FURNITURE                SOLE                  10000
  LIBERTY PPTY TR                 SOLE                  5200
  LIBERTY PPTY TR                 DEFINED                                         500
  LIBERTY PPTY TR                 OTHER                 3885
  LIBERTY PPTY TR                 OTHER                                           800
  LILLY ELI                       SOLE                  16486
  LILLY ELI                       SOLE                                            1000
  LILLY ELI                       OTHER                 7924
  LILLY ELI                       OTHER                                           2300
  LIMITED                         SOLE                  149650
  LIMITED                         SOLE                                            500
  LIMITED                         OTHER                 3550
  LINCOLN NATL                    SOLE                  70000
  LINEAR TECHNOLOGY               SOLE                  4650
  LOCKHEED MARTIN                 SOLE                  191038
  LOCKHEED MARTIN                 SOLE                                            5700
  LOCKHEED MARTIN                 OTHER                 800
  LOEWS                           SOLE                  4200
  LOEWS                           OTHER                 1200
  LUCENT TECHNOLOGIES             SOLE                  836336
  LUCENT TECHNOLOGIES             SOLE                                            92090
  LUCENT TECHNOLOGIES             DEFINED               21350
  LUCENT TECHNOLOGIES             DEFINED                                         4514
  LUCENT TECHNOLOGIES             OTHER                 119456
  LUCENT TECHNOLOGIES             OTHER                              1812
  LUCENT TECHNOLOGIES             OTHER                                           16786
  LUCENT TECHNOLOGIES             DEF/OTH               400
  MBIA                            SOLE                  2475
  MBIA                            SOLE                                            2000
  MBIA                            DEFINED               400
  MBIA                            OTHER                 500
  MBNA                            SOLE                  271986
  MBNA                            SOLE                                            38901
  MBNA                            DEFINED               11120
  MBNA                            OTHER                 15182
  MBNA                            OTHER                                           3600
  MCI CAPITAL I                   SOLE                  7950
  MCI CAPITAL I                   SOLE                                            500
  MCI CAPITAL I                   DEFINED               900
  MCI CAPITAL I                   OTHER                 3700
  MCI WORLDCOM                    SOLE                  400228
  MCI WORLDCOM                    SOLE                                            27570
  MCI WORLDCOM                    DEFINED               11034
  MCI WORLDCOM                    DEFINED                                         900
  MCI WORLDCOM                    OTHER                 50076
  MCI WORLDCOM                    OTHER                              2000
  MCI WORLDCOM                    OTHER                                           2291
  MCI WORLDCOM                    DEF/OTH               100
  MFS INTER INCOME TR             SOLE                  10456
  MARSH & MCLENNAN                SOLE                  57175
  MARSH & MCLENNAN                SOLE                                            300
  MARSH & MCLENNAN                OTHER                 900
  MARRIOTT INTERNATIONAL          SOLE                  7800
  MARRIOTT INTERNATIONAL          OTHER                 16700
  MASCO                           SOLE                  4566
  MASCO                           SOLE                                            2000
  MASCO                           OTHER                 1600
  MASCO                           OTHER                                           800
  MATTEL                          SOLE                  269859
  MATTEL                          SOLE                                            27500
  MATTEL                          DEFINED               2700
  MATTEL                          DEFINED                                         300
  MATTEL                          OTHER                 6637
  MATTEL                          SOLE                  57500
  MAY DEPT STORES                 SOLE                  32913
  MAY DEPT STORES                 SOLE                                            2000
  MAY DEPT STORES                 DEFINED               1500
  MAY DEPT STORES                 DEFINED                                         750
  MAY DEPT STORES                 OTHER                 14554
  MAY DEPT STORES                 OTHER                                           26322
  MCDONALDS                       SOLE                  59418
  MCDONALDS                       SOLE                                            40600
  MCDONALDS                       OTHER                 5760
  MCDONALDS                       OTHER                                           6400
  MCGRAW HILL                     SOLE                  82510
  MCGRAW HILL                     DEFINED                                         800
  MCGRAW HILL                     OTHER                 8100
  MCGRAW HILL                     OTHER                                           6400
  MCKESSON HBOC                   SOLE                  255352
  MEDAREX                         SOLE                  15000
  MEDIAONE GROUP                  SOLE                  16079
  MEDIAONE GROUP                  SOLE                                            582
  MEDIAONE GROUP                  DEFINED               36
  MEDIAONE GROUP                  OTHER                 8941
  MEDIAONE GROUP                  OTHER                                           292
  MEDTRONICS                      SOLE                  1467
  MEDTRONICS                      SOLE                                            4000
  MEDTRONICS                      DEFINED               500
  MEDTRONICS                      OTHER                 200
  MELLON BANK                     SOLE                  82312
  MELLON BANK                     SOLE                                            5800
  MELLON BANK                     OTHER                 43000
  MERCK                           SOLE                  791091
  MERCK                           SOLE                                            393470
  MERCK                           DEFINED               20630
  MERCK                           DEFINED                                         2676
  MERCK                           OTHER                 216699
  MERCK                           OTHER                              404480
  MERCK                           OTHER                                           97820
  MERCK                           DEF/OTH               300
  MERRILL LYNCH                   SOLE                  9840
  MERRILL LYNCH                   SOLE                                            400
  MERRILL LYNCH                   OTHER                 3470
  MICHIGAN ST HIGHER ED STUDENT   SOLE                  950000
  MICROSOFT                       SOLE                  672225
  MICROSOFT                       SOLE                                            89106
  MICROSOFT                       DEFINED               14921
  MICROSOFT                       DEFINED                                         3050
  MICROSOFT                       OTHER                 106692
  MICROSOFT                       OTHER                              2800
  MICROSOFT                       OTHER                                           46942
  MINNESOTA MNG & MFG             SOLE                  110332
  MINNESOTA MNG & MFG             SOLE                                            12032
  MINNESOTA MNG & MFG             DEFINED               2300
  MINNESOTA MNG & MFG             OTHER                 23570
  MINNESOTA MNG & MFG             OTHER                                           3600
  MOBIL                           SOLE                  275302
  MOBIL                           SOLE                                            28748
  MOBIL                           DEFINED               7500
  MOBIL                           DEFINED                                         2500
  MOBIL                           OTHER                 37740
  MOBIL                           OTHER                              1940
  MOBIL                           OTHER                                           22840
  MOBIL                           DEF/OTH               410
  MONSANTO                        SOLE                  38035
  MONSANTO                        SOLE                                            4600
  MONSANTO                        OTHER                 41250
  MONSANTO                        OTHER                                           8000
  MONSANTO                        SOLE                  89950
  MONY GROUP                      SOLE                  120
  MONY GROUP                      SOLE                                            7000
  MONY GROUP                      OTHER                 111
  MORGAN J P                      SOLE                  100637
  MORGAN J P                      SOLE                                            10300
  MORGAN J P                      DEFINED               1050
  MORGAN J P                      DEFINED                                         600
  MORGAN J P                      OTHER                 19945
  MORGAN J P                      OTHER                                           4300
  MORGAN STANLEY                  SOLE                  123735
  MORGAN STANLEY                  SOLE                                            7413
  MORGAN STANLEY                  DEFINED               4110
  MORGAN STANLEY                  DEFINED                                         650
  MORGAN STANLEY                  OTHER                 7635
  MORGAN STANLEY                  OTHER                                           720
  MORTON INTERNATIONAL            SOLE                  5949
  MOTOROLA                        SOLE                  180183
  MOTOROLA                        SOLE                                            10600
  MOTOROLA                        DEFINED               3550
  MOTOROLA                        OTHER                 15600
  MOTOROLA                        OTHER                              800
  MOTOROLA                        OTHER                                           2800
  MUNIYIELD NJ FUND               SOLE                  5225
  MUNIYIELD NJ FUND               DEFINED               1126
  MUNIYIELD NJ FUND               OTHER                                           5150
  MURPHY OIL                      OTHER                 2769
  MURPHY OIL                      OTHER                                           1760
  NATIONAL FUEL GAS               SOLE                  5800
  NATIONAL FUEL GAS               SOLE                                            1600
  NATIONAL FUEL GAS               DEFINED                                         300
  NATIONAL FUEL GAS               OTHER                 3880
  NATIONAL FUEL GAS               OTHER                                           800
  NATIONAL WESTMINSTER BANK PLC   SOLE                  5559
  NATIONAL WESTMINSTER BANK PLC   DEFINED               1141
  NATIONAL WESTMINSTER BANK PLC   OTHER                                           2000
  NESTLE S A                      SOLE                  17100
  NESTLE S A                      SOLE                                            1100
  NESTLE S A                      OTHER                 1750
  NETWORK APPLIANCE               SOLE                  20000
  NEW JERSEY RESOURCES            SOLE                  6738
  NEW JERSEY RESOURCES            SOLE                                            100
  NEW JERSEY RESOURCES            DEFINED               1600
  NEW JERSEY RESOURCES            OTHER                 500
  NEWELL FINL TR I                SOLE                  35000
  NEWELL RUBBERMAID               SOLE                  18000
  NEWELL RUBBERMAID               OTHER                 1000
  NOKIA                           SOLE                  228165
  NOKIA                           SOLE                                            12400
  NOKIA                           OTHER                 11600
  NOKIA                           OTHER                              1600
  NOKIA                           OTHER                                           150
  NORFOLK SOUTHERN                SOLE                  217110
  NORFOLK SOUTHERN                SOLE                                            7500
  NORFOLK SOUTHERN                DEFINED               4400
  NORFOLK SOUTHERN                OTHER                 8375
  NORFOLK SOUTHERN                OTHER                                           7380
  NORTEL NETWORKS                 SOLE                  60
  NORTEL NETWORKS                 SOLE                                            4700
  NORTEL NETWORKS                 OTHER                 200
  NORTH AMERICAN TRAINING         SOLE                  39217
  NORTHERN STS PWR CO MINN        SOLE                  7924
  NORTHERN STS PWR CO MINN        SOLE                                            600
  NORTHERN TRUST                  SOLE                  144187
  NORTHERN TRUST                  SOLE                                            10465
  NORTHERN TRUST                  DEFINED               4037
  NORTHERN TRUST                  DEFINED                                         500
  NORTHERN TRUST                  OTHER                 12562
  NORTHERN TRUST                  OTHER                              600
  NORTHERN TRUST                  OTHER                                           1521
  NUVEEN MUN MKT OPPORTUNITY FD   SOLE                  10589
  NUVEEN MUN MKT OPPORTUNITY FD   OTHER                 6000
  OFFICE DEPOT                    SOLE                  55200
  OFFICE DEPOT                    SOLE                                            1500
  OMNICARE                        SOLE                  12600
  OMNICOM GROUP                   SOLE                  2600
  OMNICOM GROUP                   OTHER                                           700
  ORACLE                          SOLE                  10628
  ORACLE                          OTHER                 5212
  ORANGE & ROCKLAND UTILS         SOLE                  650
  ORANGE & ROCKLAND UTILS         DEFINED               3000
  PECO ENERGY                     SOLE                  7658
  PECO ENERGY                     SOLE                                            950
  PECO ENERGY                     OTHER                 300
  PG&E                            SOLE                  2478
  PG&E                            SOLE                                            1700
  PG&E                            OTHER                 2550
  PG&E                            OTHER                                           561
  PIMCO ADVISORS HLGS L P         SOLE                  7875
  PIMCO ADVISORS HLGS L P         DEFINED               1854
  PIMCO ADVISORS HLGS L P         OTHER                 17768
  PNC BANK                        SOLE                  22851
  PNC BANK                        SOLE                                            1800
  PNC BANK                        DEFINED               1149
  PNC BANK                        OTHER                 4075
  PNC BANK                        OTHER                                           512
  P P & L RES                     SOLE                  67487
  P P & L RES                     SOLE                                            9370
  P P & L RES                     DEFINED               400
  P P & L RES                     OTHER                 12506
  P P & L RES                     OTHER                                           600
  PPG                             SOLE                  54907
  PPG                             SOLE                                            1400
  PPG                             DEFINED               2000
  PPG                             OTHER                 11286
  PPG                             OTHER                                           1700
  PSS WORLD MEDICAL INC           SOLE                  11400
  PARAMETRIC TECHNOLOGY           SOLE                  10640
  PARDEE RESOURCES                SOLE                  11400
  PARKER HANNIFIN                 SOLE                  14049
  PAYCHEX                         SOLE                  62903
  PAYCHEX                         SOLE                                            19130
  PAYCHEX                         DEFINED               750
  PAYCHEX                         OTHER                 5815
  PENNEY J C                      SOLE                  44761
  PENNEY J C                      SOLE                                            1800
  PENNEY J C                      DEFINED               1500
  PENNEY J C                      OTHER                 200
  PENNZOIL-QUAKER ST              SOLE                  4811
  PENNZOIL-QUAKER ST              SOLE                                            410
  PENNZOIL-QUAKER ST              OTHER                 6896
  PENNZOIL-QUAKER ST              OTHER                                           6560
  PEOPLES BANCORP DEL             SOLE                  19503
  PEPSICO                         SOLE                  421795
  PEPSICO                         SOLE                                            42374
  PEPSICO                         DEFINED               5900
  PEPSICO                         OTHER                 111294
  PEPSICO                         OTHER                              1800
  PEPSICO                         OTHER                                           32140
  PHARMACIA & UPJOHN              SOLE                  64057
  PHARMACIA & UPJOHN              OTHER                 185
  PHARMACIA & UPJOHN              OTHER                                           1250
  PFIZER                          SOLE                  363137
  PFIZER                          SOLE                                            36854
  PFIZER                          DEFINED               11102
  PFIZER                          DEFINED                                         3400
  PFIZER                          OTHER                 120609
  PFIZER                          OTHER                              400
  PFIZER                          OTHER                                           28034
  PHILIP MORRIS                   SOLE                  108668
  PHILIP MORRIS                   SOLE                                            18408
  PHILIP MORRIS                   DEFINED               9670
  PHILIP MORRIS                   OTHER                 109770
  PHILIP MORRIS                   OTHER                                           30317
  PHILLIPS PETE                   SOLE                  3760
  PHILLIPS PETE                   OTHER                 1660
  PIER 1 IMPORTS                  SOLE                  14250
  PIER 1 IMPORTS                  OTHER                 4000
  PIERCING PAGODA                 SOLE                  15390
  PIONEER HI BRED INTL            SOLE                  7200
  PIONEER HI BRED INTL            SOLE                                            1800
  PIONEER HI BRED INTL            OTHER                 2700
  PITNEY BOWES                    SOLE                  26780
  PITNEY BOWES                    SOLE                                            3200
  PITNEY BOWES                    DEFINED                                         800
  PITNEY BOWES                    OTHER                 5900
  PLUCKEMIN CORNER                OTHER                 48
  POTOMAC ELECTRIC PWR            SOLE                  4200
  POTOMAC ELECTRIC PWR            SOLE                                            1000
  POTOMAC ELECTRIC PWR            DEFINED               2206
  POTOMAC ELECTRIC PWR            OTHER                 2600
  PRAXAIR                         SOLE                  18760
  PRAXAIR                         SOLE                                            800
  PRAXAIR                         OTHER                 3376
  PRAXAIR                         DEF/OTH               309
  PREFORMED LINE PRODUCTS         SOLE                  36000
  PREMIER BANCORP                 SOLE                                            12360
  PROCTER & GAMBLE                SOLE                  311152
  PROCTER & GAMBLE                SOLE                                            31564
  PROCTER & GAMBLE                DEFINED               8307
  PROCTER & GAMBLE                OTHER                 72897
  PROCTER & GAMBLE                OTHER                              2000
  PROCTER & GAMBLE                OTHER                                           29146
  PROGRESSIVE                     SOLE                  2222
  PROGRESSIVE                     OTHER                 418
  PROVIDIAN FINANCIAL             OTHER                 1298
  PROVIDIAN FINANCIAL             OTHER                                           3132
  PSINET                          SOLE                  17000
  PUBLIC SERVICE                  SOLE                  5905
  PUBLIC SERVICE                  SOLE                                            300
  PUBLIC SERVICE                  OTHER                                           1400
  PUBLIC SERVICE ENTERPRISE       SOLE                  70693
  PUBLIC SERVICE ENTERPRISE       SOLE                                            4965
  PUBLIC SERVICE ENTERPRISE       DEFINED               3924
  PUBLIC SERVICE ENTERPRISE       DEFINED                                         1539
  PUBLIC SERVICE ENTERPRISE       OTHER                 42726
  PUBLIC SERVICE ENTERPRISE       OTHER                                           10012
  QUADRAMED                       SOLE                  18623
  QUAKER OATS                     SOLE                  6740
  QUAKER OATS                     SOLE                                            1000
  QUAKER OATS                     DEFINED               1878
  QUAKER OATS                     OTHER                 1400
  QUALCOMM                        SOLE                  5200
  QUALCOMM                        SOLE                                            2000
  QUALCOMM                        OTHER                 1200
  QUESTAR                         OTHER                 13200
  QUESTAR                         OTHER                                           14000
  QUINTILES TRANSNATIONAL         SOLE                  7200
  QWEST COMMUNICATIONS INTL       SOLE                  61524
  QWEST COMMUNICATIONS INTL       OTHER                 400
  RADIAN GROUP                    SOLE                  4245
  RAINFOREST CAFE                 SOLE                  20520
  RALSTON-RALSTON PURINA GROUP    SOLE                  2046
  RALSTON-RALSTON PURINA GROUP    OTHER                 7596
  RAYTHEON                        SOLE                  10480
  RAYTHEON                        SOLE                                            800
  RAYTHEON                        DEFINED               600
  RAYTHEON                        DEFINED                                         400
  RAYTHEON                        OTHER                 3650
  RAYTHEON                        OTHER                                           14700
  READERS DIGEST FIN TR           SOLE                  47500
  READERS DIGEST FIN TR           OTHER                 1000
  RELIANT ENERGY                  SOLE                  4819
  RELIANT ENERGY                  DEFINED               1000
  RELIANT ENERGY                  OTHER                 3400
  RELIANT ENERGY                  OTHER                                           1500
  REPSOL SA SPONSORED ADR         SOLE                  10575
  REPSOL SA SPONSORED ADR         OTHER                 3000
  REYNOLDS METALS                 SOLE                  37000
  REYNOLDS METALS                 OTHER                 2
  RITE AID                        SOLE                  5660
  RITE AID                        SOLE                                            6000
  ROCKWELL INTL                   SOLE                  8136
  ROCKWELL INTL                   DEFINED               1200
  ROCKWELL INTL                   OTHER                 1900
  ROCKWELL INTL                   OTHER                                           2700
  ROCKWELL INTL                   DEF/OTH               1517
  ROHM & HAAS                     SOLE                  6645
  ROSECAP                         SOLE                  26660
  ROSECAP                         OTHER                 40000
  ROYAL DUTCH PETE                SOLE                  260271
  ROYAL DUTCH PETE                SOLE                                            16600
  ROYAL DUTCH PETE                DEFINED               3220
  ROYAL DUTCH PETE                OTHER                 66392
  ROYAL DUTCH PETE                OTHER                                           13000
  SBC COMMUNICATIONS              SOLE                  378930
  SBC COMMUNICATIONS              SOLE                                            34056
  SBC COMMUNICATIONS              DEFINED               12846
  SBC COMMUNICATIONS              DEFINED                                         400
  SBC COMMUNICATIONS              OTHER                 105292
  SBC COMMUNICATIONS              OTHER                                           6450
  SLI                             SOLE                  8360
  S&P 500 DEPOSITARY RECEIPT      SOLE                  15665
  S&P 500 DEPOSITARY RECEIPT      SOLE                                            2008
  S&P 500 DEPOSITARY RECEIPT      OTHER                                           200
  SAFEWAY                         SOLE                  116000
  SAFEWAY                         SOLE                                            14800
  SAFEWAY                         OTHER                 350
  ST PAUL                         SOLE                  69412
  ST PAUL                         SOLE                                            4576
  ST PAUL                         OTHER                 600
  SARA LEE                        SOLE                  425744
  SARA LEE                        SOLE                                            20500
  SARA LEE                        DEFINED               1000
  SARA LEE                        OTHER                 18300
  SARA LEE                        OTHER                              2970
  SARA LEE                        OTHER                                           12000
  SASSOON INTL                    DEFINED                                         12500
  SCHERING PLOUGH                 SOLE                  409262
  SCHERING PLOUGH                 SOLE                                            200503
  SCHERING PLOUGH                 DEFINED               32474
  SCHERING PLOUGH                 DEFINED                                         3867
  SCHERING PLOUGH                 OTHER                 104509
  SCHERING PLOUGH                 OTHER                                           26944
  SCHLUMBERGER                    SOLE                  139440
  SCHLUMBERGER                    SOLE                                            20626
  SCHLUMBERGER                    DEFINED               500
  SCHLUMBERGER                    OTHER                 15904
  SCHLUMBERGER                    OTHER                                           1775
  SEAGRAMS                        OTHER                 7805
  SEARS                           SOLE                  35444
  SEARS                           SOLE                                            800
  SEARS                           DEFINED                                         500
  SEARS                           OTHER                 6389
  SEARS                           OTHER                                           327
  SELECTIVE INSURANCE             SOLE                                            15000
  SELECTIVE INSURANCE             OTHER                 11340
  SERVICE CORP INTL               SOLE                  31470
  SERVICE CORP INTL               SOLE                                            17200
  SERVICE CORP INTL               DEFINED               1300
  SERVICE CORP INTL               OTHER                 8650
  SERVICE CORP INTL               OTHER                                           1100
  SHELL                           SOLE                  4200
  SHELL                           SOLE                                            3900
  SHELL                           OTHER                 248
  SHERWIN-WILLIAMS                SOLE                  70000
  SHERWIN-WILLIAMS                OTHER                 9600
  SKYLANDS COMMUNITY BANK         SOLE                  17055
  SMITHKLINE BEECHAM              SOLE                  300875
  SMITHKLINE BEECHAM              SOLE                                            10810
  SMITHKLINE BEECHAM              DEFINED                                         2640
  SMITHKLINE BEECHAM              OTHER                 21125
  SMITHKLINE BEECHAM              DEF/OTH               100
  SOLECTRON                       SOLE                  2650
  SOLECTRON                       SOLE                                            500
  SONAT                           SOLE                  9030
  SONAT                           OTHER                 4850
  SOUTHERN                        SOLE                  34863
  SOUTHERN                        SOLE                                            9666
  SOUTHERN                        DEFINED               1000
  SOUTHERN                        DEFINED                                         500
  SOUTHERN                        OTHER                 8466
  SOUTHERN                        OTHER                                           3750
  SOUTHTRUST                      SOLE                  4230
  SOUTHTRUST                      SOLE                                            750
  SOUTHTRUST                      DEFINED               2400
  SOUTHTRUST                      OTHER                 1500
  SOVEREIGN BANCORP               SOLE                  16834
  SOVEREIGN BANCORP               SOLE                                            8084
  SOVEREIGN BANCORP               DEFINED               1200
  SOVEREIGN BANCORP               DEFINED                                         3071
  SOVEREIGN BANCORP               OTHER                 4152
  SPRINT                          SOLE                  14742
  SPRINT                          DEFINED               800
  SPRINT                          OTHER                 4340
  STAGE STORES                    SOLE                  14250
  STAGE STORES                    OTHER                 2700
  STAPLES                         SOLE                  7153
  STAPLES                         SOLE                                            1000
  STARBUCKS                       SOLE                  90600
  STARBUCKS                       SOLE                                            12000
  STARBUCKS                       OTHER                              1400
  STATE STR                       SOLE                                            4400
  STATEN IS BANCORP INC           SOLE                  48941
  STATEN IS BANCORP INC           OTHER                                           5503
  STEWART ENTERPRISES             SOLE                  12635
  STEWART ENTERPRISES             SOLE                                            12000
  SUIZA FOODS                     SOLE                  7980
  SUMMIT BANCORP                  SOLE                  5068532
  SUMMIT BANCORP                  SOLE                                            88671
  SUMMIT BANCORP                  DEFINED               179554
  SUMMIT BANCORP                  DEFINED                                         9653
  SUMMIT BANCORP                  OTHER                 571532
  SUMMIT BANCORP                  OTHER                              3442
  SUMMIT BANCORP                  OTHER                                           123124
  SUMMIT BANCORP                  DEF/OTH               14300
  SUN MICROSYSTEMS                SOLE                  11214
  SUN MICROSYSTEMS                SOLE                                            100
  SUN MICROSYSTEMS                OTHER                 7344
  SUNGARD DATA SYSTEM             SOLE                  11475
  SUNGARD DATA SYSTEM             OTHER                 500
  SYQUEST TECHNOLOGY              SOLE                  10875
  SYSCO                           SOLE                  42488
  SYSCO                           SOLE                                            8400
  SYSCO                           DEFINED               3400
  SYSCO                           OTHER                 11068
  SYSCO                           OTHER                                           19800
  TECO ENERGY                     SOLE                  88
  TECO ENERGY                     DEFINED               1000
  TECO ENERGY                     OTHER                 13600
  TEPPCO PARTNERS LP              SOLE                                            8000
  TEPPCO PARTNERS LP              OTHER                 3800
  T-NETIX                         SOLE                  105567
  TRW                             SOLE                  3560
  TRW                             SOLE                                            1600
  TECH DATA                       SOLE                  10800
  TECH DATA                       SOLE                                            700
  TELLABS                         SOLE                  31444
  TELLABS                         OTHER                 600
  A T & T SH                      OTHER                 1400
  TEXACO                          SOLE                  83738
  TEXACO                          SOLE                                            7484
  TEXACO                          DEFINED               3484
  TEXACO                          DEFINED                                         2000
  TEXACO                          OTHER                 12730
  TEXACO                          OTHER                                           1300
  TEXAS INSTRUMENTS               SOLE                  84640
  TEXAS INSTRUMENTS               SOLE                                            11300
  TEXAS INSTRUMENTS               DEFINED               1150
  TEXAS INSTRUMENTS               DEFINED                                         500
  TEXAS INSTRUMENTS               OTHER                 1300
  TEXAS INSTRUMENTS               OTHER                                           200
  TEXAS UTILS                     SOLE                  9674
  TEXAS UTILS                     SOLE                                            300
  TEXAS UTILS                     DEFINED                                         1000
  TEXAS UTILS                     OTHER                 14141
  TEXAS UTILS                     OTHER                                           9250
  TEXTRON                         SOLE                  182556
  TEXTRON                         SOLE                                            7000
  TEXTRON                         OTHER                 3700
  THOMAS & BETTS                  SOLE                  127770
  THOMAS & BETTS                  SOLE                                            2400
  THOMAS & BETTS                  OTHER                 130230
  3 COM                           SOLE                  51910
  3 COM                           SOLE                                            800
  3 COM                           DEFINED               1000
  3 COM                           OTHER                 7150
  3 COM                           OTHER                                           75
  TIME WARNER                     SOLE                  236741
  TIME WARNER                     SOLE                                            10100
  TIME WARNER                     DEFINED               600
  TIME WARNER                     OTHER                 14350
  TIME WARNER                     OTHER                                           600
  TRIARC                          SOLE                  11000
  TRICON GLOBAL RESTAURANTS       SOLE                  8938
  TRICON GLOBAL RESTAURANTS       SOLE                                            652
  TRICON GLOBAL RESTAURANTS       DEFINED               120
  TRICON GLOBAL RESTAURANTS       OTHER                 4267
  TRICON GLOBAL RESTAURANTS       OTHER                              400
  TRICON GLOBAL RESTAURANTS       OTHER                                           1054
  TYCO INTL                       SOLE                  243650
  TYCO INTL                       SOLE                                            21288
  TYCO INTL                       DEFINED               7145
  TYCO INTL                       DEFINED                                         950
  TYCO INTL                       OTHER                 22577
  TYCO INTL                       OTHER                                           2742
  USX                             SOLE                  27067
  UNUM                            SOLE                  20100
  UNUM                            SOLE                                            1200
  UNUM                            DEFINED               100
  UNUM                            OTHER                 400
  UNUM                            OTHER                                           200
  USG                             SOLE                  4200
  UNCOMMON VALUES UNIT TR 1985    SOLE                  48752
  UNILEVER N V NEW YORK SHS       SOLE                  10619
  UNILEVER N V NEW YORK SHS       OTHER                 8745
  UNION PACIFIC                   SOLE                  198071
  UNION PACIFIC                   SOLE                                            1300
  UNION PACIFIC                   DEFINED               1200
  UNION PACIFIC                   DEFINED                                         400
  UNION PACIFIC                   OTHER                 21000
  UNION PACIFIC                   OTHER                                           200
  UNION PAC CAP TR                SOLE                  30000
  UNION PAC RES GROUP             SOLE                  73088
  UNION PAC RES GROUP             SOLE                                            169
  UNION PAC RES GROUP             DEFINED                                         338
  UNION PAC RES GROUP             OTHER                 3143
  UNITED DOMINION REALTY TRUST    SOLE                  4800
  UNITED DOMINION REALTY TRUST    OTHER                 19400
  UNITED NATL BANCORP N J         SOLE                  1053
  UNITED NATL BANCORP N J         DEFINED               22514
  UNITED RETAIL GROUP             SOLE                  18000
  U S INDUSTRIES                  SOLE                  61412
  U S WEST NEW                    SOLE                  29642
  U S WEST NEW                    SOLE                                            12660
  U S WEST NEW                    DEFINED               3732
  U S WEST NEW                    OTHER                 24880
  U S WEST NEW                    OTHER                                           3599
  UNITED TECHNOLOGIES             SOLE                  323392
  UNITED TECHNOLOGIES             SOLE                                            18400
  UNITED TECHNOLOGIES             DEFINED                                         400
  UNITED TECHNOLOGIES             OTHER                 37640
  UNITED TECHNOLOGIES             OTHER                                           200
  UNITED TECHNOLOGIES             DEF/OTH               400
  UNITED WTR RESOURCES            SOLE                  25143
  UNITED WTR RESOURCES            DEFINED               1000
  UNITED WTR RESOURCES            OTHER                 1687
  VALLEY NATL BANCORP             SOLE                  26300
  VALLEY NATL BANCORP             DEFINED               232
  VALLEY NATL BANCORP             OTHER                 8716
  VANGUARD FIXED SECS FD          SOLE                  248374
  VANGUARD FIXED SECS FD          SOLE                                            65404
  VANGUARD FIXED SECS FD          DEFINED               19305
  VANGUARD FIXED SECS FD          DEFINED                                         6344
  VANGUARD FIXED SECS FD          OTHER                 13194
  VANGUARD FIXED SECS FD          OTHER                                           3727
  VIAD                            SOLE                  20286
  VIAD                            DEFINED               1000
  VIAD                            OTHER                 400
  VIAD                            OTHER                                           6000
  VODAFONE AIRTOUCH PLC           SOLE                  23103
  VODAFONE AIRTOUCH PLC           SOLE                                            4339
  VODAFONE AIRTOUCH PLC           DEFINED               644
  VODAFONE AIRTOUCH PLC           OTHER                 4450
  VODAFONE AIRTOUCH PLC           OTHER                                           900
  VULCAN MATERIALS                SOLE                  300
  VULCAN MATERIALS                OTHER                 4008
  WACHOVIA                        SOLE                  3770
  WACHOVIA                        OTHER                 3050
  WAL MART                        SOLE                  253648
  WAL MART                        SOLE                                            63100
  WAL MART                        OTHER                 57600
  WAL MART                        OTHER                              1000
  WAL MART                        OTHER                                           51400
  WALGREEN                        SOLE                  22600
  WALGREEN                        SOLE                                            9832
  WALGREEN                        DEFINED               800
  WARNER LAMBERT                  SOLE                  220303
  WARNER LAMBERT                  SOLE                                            21132
  WARNER LAMBERT                  DEFINED               10160
  WARNER LAMBERT                  DEFINED                                         1150
  WARNER LAMBERT                  OTHER                 89077
  WARNER LAMBERT                  OTHER                                           881
  WASHINGTON MUTUAL               SOLE                  37500
  WASHINGTON MUTUAL               OTHER                 1250
  WASTE MANAGEMENT                SOLE                  1253
  WASTE MANAGEMENT                SOLE                                            10760
  WASTE MANAGEMENT                DEFINED                                         362
  WASTE MANAGEMENT                OTHER                 1739
  WASTE MANAGEMENT                OTHER                                           3760
  WATSON PHARMACEUTICALS          SOLE                  8012
  WATSON PHARMACEUTICALS          OTHER                 11
  WEINGARTEN REALTY SBI           SOLE                                            4000
  WEINGARTEN REALTY SBI           OTHER                 1550
  WELLS FARGO NEW                 SOLE                  71120
  WELLS FARGO NEW                 SOLE                                            9100
  WELLS FARGO NEW                 DEFINED               400
  WELLS FARGO NEW                 OTHER                 5600
  WELLS FARGO NEW                 OTHER                                           1700
  WEYERHAEUSER                    SOLE                  1450
  WEYERHAEUSER                    OTHER                 1700
  WEYERHAEUSER                    OTHER                                           1600
  WHIRLPOOL                       SOLE                  4050
  WHIRLPOOL                       DEFINED               300
  WHIRLPOOL                       OTHER                 1210
  WILLIAMS COS                    SOLE                  101287
  WILLIAMS COS                    OTHER                 9000
  WILMINGTON TRUST                SOLE                  9000
  WILMINGTON TRUST                DEFINED               4800
  WISCONSIN ENERGY                SOLE                  12721
  WISCONSIN ENERGY                SOLE                                            3300
  WISCONSIN ENERGY                OTHER                 5550
  WISCONSIN ENERGY                OTHER                                           500
  WRIGLEY WM JR                   SOLE                  7757
  WRIGLEY WM JR                   OTHER                 7200
  WRIGLEY WM JR                   OTHER                 3600
  XEROX                           SOLE                  61470
  XEROX                           SOLE                                            9500
  XEROX                           OTHER                 11236
  YAHOO                           SOLE                  2200
  YAHOO                           SOLE                                            50
  YAHOO                           OTHER                 4000
  ZOMAX                           SOLE                  6615
  BOND GROCERY                    SOLE                  380
  BLUE RIBBON LABEL               OTHER                 38
  ENDICOTT MACHINE & TOOL         SOLE                  274699
  SYMYX TECHNOLOGIES              SOLE                  16666
  SYMYX TECHNOLOGIES              OTHER                 50000
  KAY PUBLISHING                  OTHER                 60
  MURRAY HILL RACQUET CLUB        SOLE                  326
  XL CAPITAL LTD                  SOLE                  47000
  XL CAPITAL LTD                  OTHER                 1000
  SHONK LAND CO LTD PARTNERSHIP   SOLE                  166
  UNIVERSAL REALTY CO INC         OTHER                 94640
  KANAVY COMPUTER CORP CONV PFD   SOLE                                            10000
</TABLE>


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