SUMMIT BANK
13F-HR, 1999-11-05
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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: 09/30/1999

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    11/05/1999

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:           946
Form 13F Information Table Value Total:           $ 2,970,016

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          44        10000 SH
  AT&T                             COMMON STOCK    001957109       18246       419441 SH
  AT&T                             COMMON STOCK    001957109         967        22226 SH
  AT&T                             COMMON STOCK    001957109        3853        88573 SH
  AT&T                             COMMON STOCK    001957109          44         1011 SH
  ABBOTT LABS                      COMMON STOCK    002824100        4774       130128 SH
  ABBOTT LABS                      COMMON STOCK    002824100          59         1600 SH
  ABBOTT LABS                      COMMON STOCK    002824100        4640       126470 SH
  ACCLAIM ENMNT                    COMMON STOCK    004325205         114        15000 SH
  AEGON N V                        COMMON STOCK    007924103          15          168 SH
  AEGON N V                        COMMON STOCK    007924103         195         2260 SH
  AETNA                            COMMON STOCK    008117103         555        11267 SH
  AETNA                            COMMON STOCK    008117103          83         1681 SH
  AETNA                            COMMON STOCK    008117103          79         1600 SH
  AIR PRODUCTS & CHEMICALS         COMMON STOCK    009158106        4815       164600 SH
  AIR PRODUCTS & CHEMICALS         COMMON STOCK    009158106         291         9950 SH
  ALLEGHENY ENERGY                 COMMON STOCK    017361106         221         6920 SH
  ALLEGHENY ENERGY                 COMMON STOCK    017361106          13          400 SH
  ALLEGHENY ENERGY                 COMMON STOCK    017361106          26          800 SH
  ALLERGAN                         COMMON STOCK    018490102         847         7704 SH
  ALLIANCE CAPITAL MGMT            COMMON STOCK    018548107        1393        50785 SH
  ALLIANCE CAPITAL MGMT            COMMON STOCK    018548107         104         3800 SH
  ALLIANCE CAPITAL MGMT            COMMON STOCK    018548107        1080        39380 SH
  ALLIED IRISH BANKS PLC           COMMON STOCK    019228402         214         8400 SH
  ALLIED IRISH BANKS PLC           COMMON STOCK    019228402         130         5100 SH
  ALLIED SIGNAL                    COMMON STOCK    019512102        3757        62678 SH
  ALLIED SIGNAL                    COMMON STOCK    019512102         108         1800 SH
  ALLIED SIGNAL                    COMMON STOCK    019512102         325         5414 SH
  ALLIED WASTE INDS                COMMON STOCK    019589308         716        61300 SH
  ALLSTATE                         COMMON STOCK    020002101        1229        49286 SH
  ALLSTATE                         COMMON STOCK    020002101          48         1926 SH
  ALLSTATE                         COMMON STOCK    020002101         123         4946 SH
  ALLTELL                          COMMON STOCK    020039103        3535        50227 SH
  ALLTELL                          COMMON STOCK    020039103         133         1885 SH
  AMCAP FD                         MUTUAL FUNDS-EQ 023375108         315        17665 SH
  AMERICA ONLINE                   COMMON STOCK    02364J104       17639       169504 SH
  AMERICA ONLINE                   COMMON STOCK    02364J104         918         8825 SH
  AMERICA ONLINE                   COMMON STOCK    02364J104        3835        36857 SH
  AMERICAN ELECTRIC POWER          COMMON STOCK    025537101         255         7460 SH
  AMERICAN ELECTRIC POWER          COMMON STOCK    025537101          36         1059 SH
  AMERICAN ELECTRIC POWER          COMMON STOCK    025537101         801        23467 SH
  AMERICAN EXPRESS                 COMMON STOCK    025816109       16566       122712 SH
  AMERICAN EXPRESS                 COMMON STOCK    025816109        4424        32771 SH
  AMERICAN FINL GROUP INC          COMMON STOCK    025932104         281        10000 SH
  AMERICAN GENERAL                 COMMON STOCK    026351106        2484        39280 SH
  AMERICAN GENERAL                 COMMON STOCK    026351106         157         2490 SH
  AMERICAN HOME PRODUCTS           COMMON STOCK    026609107       13833       333322 SH
  AMERICAN HOME PRODUCTS           COMMON STOCK    026609107         674        16240 SH
  AMERICAN HOME PRODUCTS           COMMON STOCK    026609107        5934       142984 SH
  AMERICAN INTL GROUP              COMMON STOCK    026874107       46367       533332 SH
  AMERICAN INTL GROUP              COMMON STOCK    026874107        1331        15314 SH
  AMERICAN INTL GROUP              COMMON STOCK    026874107        9251       106414 SH
  AMERICAN POWER CONVERSION        COMMON STOCK    029066107        1654        87050 SH
  AMERICAN POWER CONVERSION        COMMON STOCK    029066107         203        10700 SH
  AMERICAN POWER CONVERSION        COMMON STOCK    029066107         289        15200 SH
  AMERICAN WATER WORKS             COMMON STOCK    030411102         206         7109 SH
  AMERITECH                        COMMON STOCK    030954101       18302       274186 SH
  AMERITECH                        COMMON STOCK    030954101         601         9000 SH
  AMERITECH                        COMMON STOCK    030954101        4248        63642 SH
  AMGEN                            COMMON STOCK    031162100        2016        24740 SH
  AMGEN                            COMMON STOCK    031162100          33          400 SH
  AMGEN                            COMMON STOCK    031162100         359         4400 SH
  ANALOG DEVICES                   COMMON STOCK    032654105         221         4315 SH
  ANHEUSER BUSCH                   COMMON STOCK    035229103        1468        20953 SH
  ANHEUSER BUSCH                   COMMON STOCK    035229103          56          800 SH
  ANHEUSER BUSCH                   COMMON STOCK    035229103        1010        14414 SH
  APPLIED MATERIALS                COMMON STOCK    038222105        8371       107750 SH
  APPLIED MATERIALS                COMMON STOCK    038222105          16          200 SH
  AQUIS COMMUNICATIONS GROUP       COMMON STOCK    038399101          13        10000 SH
  ASSOCIATES FIRST CAPITAL CRP     COMMON STOCK    046008108         348         9667 SH
  ASSOCIATES FIRST CAPITAL CRP     COMMON STOCK    046008108          18          504 SH
  ASSOCIATES FIRST CAPITAL CRP     COMMON STOCK    046008108          50         1386 SH
  ATLANTIC RICHFIELD               COMMON STOCK    048825103       17403       196371 SH
  ATLANTIC RICHFIELD               COMMON STOCK    048825103         134         1514 SH
  ATLANTIC RICHFIELD               COMMON STOCK    048825103        2972        33530 SH
  AUTOMATIC DATA PROCESSING        COMMON STOCK    053015103       19042       426712 SH
  AUTOMATIC DATA PROCESSING        COMMON STOCK    053015103         946        21201 SH
  AUTOMATIC DATA PROCESSING        COMMON STOCK    053015103        6177       138426 SH
  AVERY DENNISON                   COMMON STOCK    053611109         926        17550 SH
  AVERY DENNISON                   COMMON STOCK    053611109          95         1800 SH
  AVERY DENNISON                   COMMON STOCK    053611109         158         3000 SH
  AVON PRODUCTS                    COMMON STOCK    054303102          84         3390 SH
  AVON PRODUCTS                    COMMON STOCK    054303102         218         8800 SH
  BB&T CORP                        COMMON STOCK    054937107          58         1800 SH
  BB&T CORP                        COMMON STOCK    054937107         183         5652 SH
  BP AMOCO PLC                     COMMON STOCK    055622104       24924       224924 SH
  BP AMOCO PLC                     COMMON STOCK    055622104        1203        10856 SH
  BP AMOCO PLC                     COMMON STOCK    055622104        6338        57197 SH
  BP AMOCO PLC                     COMMON STOCK    055622104          11          100 SH
  BSB BANCORP                      COMMON STOCK    055652101         633        26369 SH
  BAKER FENTRESS                   MUTUAL FUNDS-EQ 057213100         644        46173 SH
  BAKER FENTRESS                   MUTUAL FUNDS-EQ 057213100        1483       106422 SH
  BAKER HUGHES                     COMMON STOCK    057224107         283         9750 SH
  BANK AMER                        COMMON STOCK    060505104       10767       193353 SH
  BANK AMER                        COMMON STOCK    060505104        2181        39169 SH
  BANK OF NY                       COMMON STOCK    064057102       25961       776416 SH
  BANK OF NY                       COMMON STOCK    064057102          67         2000 SH
  BANK OF NY                       COMMON STOCK    064057102        2345        70116 SH
  BANK ONE                         COMMON STOCK    06423A103        3057        87813 SH
  BANK ONE                         COMMON STOCK    06423A103          35         1005 SH
  BANK ONE                         COMMON STOCK    06423A103         186         5353 SH
  BARD C R                         COMMON STOCK    067383109         125         2660 SH
  BARD C R                         COMMON STOCK    067383109          33          700 SH
  BARD C R                         COMMON STOCK    067383109          61         1300 SH
  BAXTER INTL                      COMMON STOCK    071813109        4079        67703 SH
  BAXTER INTL                      COMMON STOCK    071813109          24          400 SH
  BAXTER INTL                      COMMON STOCK    071813109          90         1500 SH
  BEAR STEARNS                     COMMON STOCK    073902108         252         6566 SH
  BEAR STEARNS                     COMMON STOCK    073902108          35          905 SH
  BECTON DICKINSON & CO            COMMON STOCK    075887109        5114       182235 SH
  BECTON DICKINSON & CO            COMMON STOCK    075887109         292        10400 SH
  BED BATH & BEYOND                COMMON STOCK    075896100        1991        57000 SH
  BELL ATLANTIC                    COMMON STOCK    077853109       21412       318099 SH
  BELL ATLANTIC                    COMMON STOCK    077853109        1289        19152 SH
  BELL ATLANTIC                    COMMON STOCK    077853109       11724       174170 SH
  BELLSOUTH                        COMMON STOCK    079860102       33642       747596 SH
  BELLSOUTH                        COMMON STOCK    079860102        1118        24852 SH
  BELLSOUTH                        COMMON STOCK    079860102       10008       222408 SH
  BELLSOUTH                        COMMON STOCK    079860102          18          400 SH
  BERKSHIRE                        COMMON STOCK    084670108         440            8 SH
  BERKSHIRE                        COMMON STOCK    084670108          55            1 SH
  BERKSHIRE                        COMMON STOCK    084670207        3135         1689 SH
  BERKSHIRE                        COMMON STOCK    084670207           9            5 SH
  BERKSHIRE                        COMMON STOCK    084670207        2084         1123 SH
  BESTFOODS                        COMMON STOCK    08658U101       17954       369704 SH
  BESTFOODS                        COMMON STOCK    08658U101         593        12216 SH
  BESTFOODS                        COMMON STOCK    08658U101        2153        44343 SH
  BESTFOODS                        COMMON STOCK    08658U101           5          100 SH
  BIOGEN                           COMMON STOCK    090597105         776         9850 SH
  BLACK BOX CORP DEL               COMMON STOCK    091826107         249         4750 SH
  H & R BLOCK                      COMMON STOCK    093671105         521        12000 SH
  BLUE CHIP VALUE FD               COMMON STOCK    095333100         153        16450 SH
  BOEING                           COMMON STOCK    097023105         742        17414 SH
  BOEING                           COMMON STOCK    097023105        1473        34548 SH
  BOSTON SCIENTIFIC                COMMON STOCK    101137107         225         9100 SH
  BOSTON SCIENTIFIC                COMMON STOCK    101137107          69         2800 SH
  BRISTOL MYERS SQUIBB             COMMON STOCK    110122108       45293       671011 SH
  BRISTOL MYERS SQUIBB             COMMON STOCK    110122108        1499        22200 SH
  BRISTOL MYERS SQUIBB             COMMON STOCK    110122108       16023       237375 SH
  BURLINGTON NORTHERN SANTA FE     COMMON STOCK    12189T104        8011       291303 SH
  BURLINGTON NORTHERN SANTA FE     COMMON STOCK    12189T104          41         1500 SH
  BURLINGTON NORTHERN SANTA FE     COMMON STOCK    12189T104         279        10140 SH
  BURLINGTON RESOURCES             COMMON STOCK    122014103         270         7350 SH
  BURLINGTON RESOURCES             COMMON STOCK    122014103          56         1525 SH
  BURLINGTON RESOURCES             COMMON STOCK    122014103          82         2224 SH
  CBS                              COMMON STOCK    12490K107         352         7601 SH
  CBS                              COMMON STOCK    12490K107          43          930 SH
  CBS                              COMMON STOCK    12490K107          53         1144 SH
  C-CUBE MICROSYSTEMS              COMMON STOCK    125015107         248         5700 SH
  CIGNA                            COMMON STOCK    125509109        1817        23365 SH
  CIGNA                            COMMON STOCK    125509109         156         2000 SH
  CIGNA                            COMMON STOCK    125509109         614         7900 SH
  CNF TRANSPORTATION               COMMON STOCK    12612W104         373        10000 SH
  CSX                              COMMON STOCK    126408103        2778        65547 SH
  CSX                              COMMON STOCK    126408103          76         1800 SH
  CSX                              COMMON STOCK    126408103         263         6200 SH
  CVS                              COMMON STOCK    126650100         637        15600 SH
  CVS                              COMMON STOCK    126650100         147         3600 SH
  CAMPBELL SOUP                    COMMON STOCK    134429109        1017        26000 SH
  CAMPBELL SOUP                    COMMON STOCK    134429109         849        21700 SH
  CARDINAL HEALTH                  COMMON STOCK    14149Y108        1040        19086 SH
  CARNIVAL                         COMMON STOCK    143658102        8875       204030 SH
  CARNIVAL                         COMMON STOCK    143658102         122         2800 SH
  CARNIVAL                         COMMON STOCK    143658102         163         3750 SH
  CAROLINA PWR & LT                COMMON STOCK    144141108         364        10280 SH
  CAROLINA PWR & LT                COMMON STOCK    144141108          42         1200 SH
  CATERPILLAR                      COMMON STOCK    149123101         576        10500 SH
  CATERPILLAR                      COMMON STOCK    149123101         449         8195 SH
  CENDANT                          COMMON STOCK    151313103         471        26525 SH
  CENTRAL & SOUTHWEST              COMMON STOCK    152357109          89         4233 SH
  CENTRAL & SOUTHWEST              COMMON STOCK    152357109          42         2000 SH
  CENTRAL & SOUTHWEST              COMMON STOCK    152357109          89         4200 SH
  CENTURYTEL                       COMMON STOCK    156700106         569        14005 SH
  CHASE MANHATTAN                  COMMON STOCK    16161A108       13512       179266 SH
  CHASE MANHATTAN                  COMMON STOCK    16161A108         309         4100 SH
  CHASE MANHATTAN                  COMMON STOCK    16161A108         534         7082 SH
  CHEVRON                          COMMON STOCK    166751107        6530        73573 SH
  CHEVRON                          COMMON STOCK    166751107         438         4940 SH
  CHEVRON                          COMMON STOCK    166751107        1314        14805 SH
  CHIRON                           COMMON STOCK    170040109        1207        43600 SH
  CHIRON                           COMMON STOCK    170040109         138         5000 SH
  CHUBB                            COMMON STOCK    171232101         553        11150 SH
  CHUBB                            COMMON STOCK    171232101        1105        22257 SH
  CINCINNATI BELL                  COMMON STOCK    171870108          51         2600 SH
  CINCINNATI BELL                  COMMON STOCK    171870108         253        13000 SH
  CIRCUIT CITY                     COMMON STOCK    172737108         473        11200 SH
  CIRCUIT CITY                     COMMON STOCK    172737108          42         1000 SH
  CISCO SYSTEMS                    COMMON STOCK    17275R102       41210       601062 SH
  CISCO SYSTEMS                    COMMON STOCK    17275R102        1323        19299 SH
  CISCO SYSTEMS                    COMMON STOCK    17275R102        5276        76946 SH
  CINTAS                           COMMON STOCK    172908105         397         6860 SH
  CINTAS                           COMMON STOCK    172908105          35          600 SH
  CITIGROUP                        COMMON STOCK    172967101       18629       423390 SH
  CITIGROUP                        COMMON STOCK    172967101         907        20624 SH
  CITIGROUP                        COMMON STOCK    172967101        1560        35451 SH
  CLOROX                           COMMON STOCK    189054109         432        11298 SH
  CLOROX                           COMMON STOCK    189054109         321         8400 SH
  COCA COLA                        COMMON STOCK    191216100       11141       230907 SH
  COCA COLA                        COMMON STOCK    191216100         303         6290 SH
  COCA COLA                        COMMON STOCK    191216100        9684       200706 SH
  COLGATE PALMOLIVE                COMMON STOCK    194162103       16440       359350 SH
  COLGATE PALMOLIVE                COMMON STOCK    194162103          37          800 SH
  COLGATE PALMOLIVE                COMMON STOCK    194162103        1707        37310 SH
  COLUMBIA ENERGY GROUP            COMMON STOCK    197648108        1121        20250 SH
  COMDISCO INC                     COMMON STOCK    200336105        1002        51875 SH
  COMERICA                         COMMON STOCK    200340107         201         3975 SH
  COMERICA                         COMMON STOCK    200340107         285         5620 SH
  COMPAQ COMPUTER                  COMMON STOCK    204493100        4090       178784 SH
  COMPAQ COMPUTER                  COMMON STOCK    204493100          46         2000 SH
  COMPAQ COMPUTER                  COMMON STOCK    204493100         679        29690 SH
  COMPUTER ASSOCIATES              COMMON STOCK    204912109        2521        41236 SH
  COMPUTER ASSOCIATES              COMMON STOCK    204912109         166         2718 SH
  COMPUTER ASSOCIATES              COMMON STOCK    204912109         771        12619 SH
  COMPUWARE                        COMMON STOCK    205638109        2403        92200 SH
  CONAGRA                          COMMON STOCK    205887102         132         5850 SH
  CONAGRA                          COMMON STOCK    205887102           5          226 SH
  CONAGRA                          COMMON STOCK    205887102         609        27000 SH
  CONECTIV                         COMMON STOCK    206829103         210        10678 SH
  CONECTIV                         COMMON STOCK    206829103          38         1950 SH
  CONEXANT                         COMMON STOCK    207142100         297         4088 SH
  CONEXANT                         COMMON STOCK    207142100          44          600 SH
  CONEXANT                         COMMON STOCK    207142100         236         3250 SH
  CONEXANT                         COMMON STOCK    207142100          55          758 SH
  CONOCO                           COMMON STOCK    208251405        3338       121932 SH
  CONOCO                           COMMON STOCK    208251405          68         2482 SH
  CONOCO                           COMMON STOCK    208251405         269         9828 SH
  CONSECO                          COMMON STOCK    208464107         137         7209 SH
  CONSECO                          COMMON STOCK    208464107          36         1894 SH
  CONSECO                          COMMON STOCK    208464107         103         5400 SH
  CONSOLIDATED EDISON              COMMON STOCK    209115104        1456        35073 SH
  CONSOLIDATED EDISON              COMMON STOCK    209115104          86         2075 SH
  CONSOLIDATED EDISON              COMMON STOCK    209115104         159         3826 SH
  CONSOLIDATED NATURAL GAS         COMMON STOCK    209615103        9522       152663 SH
  CONSOLIDATED NATURAL GAS         COMMON STOCK    209615103         137         2200 SH
  CONSOLIDATED NATURAL GAS         COMMON STOCK    209615103         758        12152 SH
  CONSOLIDATED TOMOKA LD           COMMON STOCK    210226106          80         5915 SH
  CONSOLIDATED TOMOKA LD           COMMON STOCK    210226106         184        13634 SH
  CONSTELLATION ENERGY GROUP       COMMON STOCK    210371100         248         8822 SH
  CONSTELLATION ENERGY GROUP       COMMON STOCK    210371100           8          300 SH
  CONSTELLATION ENERGY GROUP       COMMON STOCK    210371100          63         2225 SH
  CONVERGYS                        COMMON STOCK    212485106          52         2600 SH
  CONVERGYS                        COMMON STOCK    212485106         258        13000 SH
  COOPER COS                       COMMON STOCK    216648402         417        13516 SH
  COOPER IND                       COMMON STOCK    216669101         147         3136 SH
  COOPER IND                       COMMON STOCK    216669101          72         1532 SH
  CORNING                          COMMON STOCK    219350105        3843        56053 SH
  CORNING                          COMMON STOCK    219350105         185         2700 SH
  CORNING                          COMMON STOCK    219350105        1252        18265 SH
  COSTCO WHSL NEW                  COMMON STOCK    22160K105         236         3276 SH
  COX COMMUNICATIONS NEW CLASS A   COMMON STOCK    224044107         477        11436 SH
  CRIIMI MAE                       COMMON STOCK    226603108          21        10000 SH
  CRITICAL PATH                    COMMON STOCK    22674V100         202         5000 SH
  DALLAS SEMICONDUCTOR             COMMON STOCK    235204104         695        13000 SH
  DANA                             COMMON STOCK    235811106        2257        60800 SH
  DANA                             COMMON STOCK    235811106          17          464 SH
  DANA                             COMMON STOCK    235811106          25          660 SH
  DANAHER                          COMMON STOCK    235851102         587        11142 SH
  DANAHER                          COMMON STOCK    235851102         100         1900 SH
  DARDEN RESTAURANTS               COMMON STOCK    237194105          31         1600 SH
  DARDEN RESTAURANTS               COMMON STOCK    237194105         213        10912 SH
  DAYTON HUDSON                    COMMON STOCK    239753106         670        11150 SH
  DAYTON HUDSON                    COMMON STOCK    239753106        1574        26200 SH
  DEERE                            COMMON STOCK    244199105        5863       151537 SH
  DEERE                            COMMON STOCK    244199105         627        16200 SH
  DELL COMPUTER                    COMMON STOCK    247025109       32979       788733 SH
  DELL COMPUTER                    COMMON STOCK    247025109        3354        80222 SH
  DELL COMPUTER                    COMMON STOCK    247025109        2373        56756 SH
  DELPHI AUTOMOTIVE SYS            COMMON STOCK    247126105         188        11693 SH
  DELPHI AUTOMOTIVE SYS            COMMON STOCK    247126105          13          811 SH
  DELPHI AUTOMOTIVE SYS            COMMON STOCK    247126105          58         3589 SH
  DEVELOPERS DIVERS REALTY         COMMON STOCK    251591103         195        13900 SH
  DEVRY INC DEL                    COMMON STOCK    251893103         219        10925 SH
  DIAMETRICS MED                   COMMON STOCK    252532106          25         5000 SH
  DIAMETRICS MED                   COMMON STOCK    252532106         100        20000 SH
  DISNEY WALT                      COMMON STOCK    254687106       15089       580327 SH
  DISNEY WALT                      COMMON STOCK    254687106         344        13215 SH
  DISNEY WALT                      COMMON STOCK    254687106        3259       125339 SH
  DISNEY WALT                      COMMON STOCK    254687106           4          150 SH
  DOMINION RESOURCES               COMMON STOCK    257470104         315         6981 SH
  DOMINION RESOURCES               COMMON STOCK    257470104          20          450 SH
  DOMINION RESOURCES               COMMON STOCK    257470104          37          825 SH
  DOVER                            COMMON STOCK    260003108         461        11290 SH
  DOVER                            COMMON STOCK    260003108          82         2000 SH
  DOVER                            COMMON STOCK    260003108         144         3520 SH
  DOW CHEMICAL                     COMMON STOCK    260543103        2330        20506 SH
  DOW CHEMICAL                     COMMON STOCK    260543103          71          625 SH
  DOW CHEMICAL                     COMMON STOCK    260543103        2263        19912 SH
  DU PONT E I DE NEMOURS           COMMON STOCK    263534109       23298       385099 SH
  DU PONT E I DE NEMOURS           COMMON STOCK    263534109         457         7559 SH
  DU PONT E I DE NEMOURS           COMMON STOCK    263534109        6397       105736 SH
  DU PONT E I DE NEMOURS           COMMON STOCK    263534109          18          300 SH
  DUKE ENERGY                      COMMON STOCK    264399106        1582        28706 SH
  DUKE ENERGY                      COMMON STOCK    264399106          80         1450 SH
  DUKE ENERGY                      COMMON STOCK    264399106         311         5650 SH
  DUKE RLTY INVTS                  COMMON STOCK    264411505         207        10610 SH
  DUN & BRADSTREET                 COMMON STOCK    26483B106         775        25953 SH
  DUN & BRADSTREET                 COMMON STOCK    26483B106         106         3540 SH
  EMC                              COMMON STOCK    268648102       19416       272035 SH
  EMC                              COMMON STOCK    268648102         119         1670 SH
  EMC                              COMMON STOCK    268648102         424         5945 SH
  E'TOWN                           COMMON STOCK    269242103         225         4532 SH
  E'TOWN                           COMMON STOCK    269242103          86         1729 SH
  EASTMAN KODAK                    COMMON STOCK    277461109        1002        13248 SH
  EASTMAN KODAK                    COMMON STOCK    277461109         365         4820 SH
  EDINBERG                         CONVERTIBLE PRE 280661992         750           82 SH
  EDISON INTERNATIONAL             COMMON STOCK    281020107         203         8355 SH
  EDISON INTERNATIONAL             COMMON STOCK    281020107          34         1400 SH
  EL PASO ENERGY                   CONVERTIBLE PRE 283678209        1571        30000 SH
  EL PASO ENERGY DEL               COMMON STOCK    283905107        1329        33010 SH
  EL PASO ENERGY DEL               COMMON STOCK    283905107          78         1948 SH
  ELAN PLC                         COMMON STOCK    284131208        1044        31110 SH
  ELAN PLC                         COMMON STOCK    284131208         181         5400 SH
  ELECTRONIC ARTS                  COMMON STOCK    285512109         438         6050 SH
  ELECTRONIC DATA SYSTEMS          COMMON STOCK    285661104       14514       274168 SH
  ELECTRONIC DATA SYSTEMS          COMMON STOCK    285661104         662        12496 SH
  ELECTRONIC DATA SYSTEMS          COMMON STOCK    285661104        1675        31646 SH
  EMERSON ELECTRIC                 COMMON STOCK    291011104       13959       220910 SH
  EMERSON ELECTRIC                 COMMON STOCK    291011104          51          800 SH
  EMERSON ELECTRIC                 COMMON STOCK    291011104        2791        44165 SH
  ENERGY EAST                      COMMON STOCK    29266M109         625        26320 SH
  ENGELHARD                        COMMON STOCK    292845104         572        31337 SH
  ENGELHARD                        COMMON STOCK    292845104          71         3900 SH
  ENGELHARD                        COMMON STOCK    292845104         502        27500 SH
  ENRON                            COMMON STOCK    293561106       37967       924623 SH
  ENRON                            COMMON STOCK    293561106         655        15940 SH
  ENRON                            COMMON STOCK    293561106        2715        66118 SH
  ENRON                            COMMON STOCK    293561106          12          300 SH
  EQUIFAX                          COMMON STOCK    294429105         675        24008 SH
  EQUITY INCOME FUND               MUTUAL FUNDS-EQ 294700703         692         3517 SH
  EQUITY INCOME FUND               MUTUAL FUNDS-EQ 294700703         125          634 SH
  EQUITY INCOME FUND               MUTUAL FUNDS-EQ 294700703         866         4400 SH
  ERICSSON                         COMMON STOCK    294821400        1560        49930 SH
  ERICSSON                         COMMON STOCK    294821400         125         4000 SH
  ERICSSON                         COMMON STOCK    294821400         325        10400 SH
  EXODUS COMMUNICATIONS            COMMON STOCK    302088109         288         4000 SH
  EXXON                            COMMON STOCK    302290101       50141       659753 SH
  EXXON                            COMMON STOCK    302290101        2324        30576 SH
  EXXON                            COMMON STOCK    302290101       24187       318249 SH
  FPL                              COMMON STOCK    302571104        6601       131042 SH
  FPL                              COMMON STOCK    302571104          35          700 SH
  FPL                              COMMON STOCK    302571104         450         8940 SH
  FANNIE MAE                       COMMON STOCK    313586109       17716       282607 SH
  FANNIE MAE                       COMMON STOCK    313586109          31          500 SH
  FANNIE MAE                       COMMON STOCK    313586109        1105        17625 SH
  FEDERATED DEPT STORES DEL        COMMON STOCK    31410H101         277         6340 SH
  FEDERATED INDEX TR               MUTUAL FUNDS-EQ 31420E106         182         6873 SH
  FEDERATED INDEX TR               MUTUAL FUNDS-EQ 31420E106          92         3476 SH
  FIDELITY                         MUTUAL FUNDS-MU 316089200          68         6219 SH
  FIDELITY                         MUTUAL FUNDS-MU 316089200         245        22354 SH
  FIDELITY EQUITY - INCOME FUND    MUTUAL FUNDS-EQ 316138106         162         2900 SH
  FIDELITY EQUITY - INCOME FUND    MUTUAL FUNDS-EQ 316138106         229         4080 SH
  FIRST DATA                       COMMON STOCK    319963104         307         6997 SH
  FIRST DATA                       COMMON STOCK    319963104         176         4000 SH
  FIRST SEC DEL                    COMMON STOCK    336294103         524        22050 SH
  FIRST UNION                      COMMON STOCK    337358105        8609       241664 SH
  FIRST UNION                      COMMON STOCK    337358105         314         8828 SH
  FIRST UNION                      COMMON STOCK    337358105        3149        88384 SH
  FIRST UNION                      COMMON STOCK    337358105          15          421 SH
  FIRST UNION                      CORPORATE BONDS 337358BL8         281       300000 PRN
  FIRST VIRGINIA BANKS             COMMON STOCK    337477103         157         3600 SH
  FIRST VIRGINIA BANKS             COMMON STOCK    337477103          49         1125 SH
  FLEET FINL GROUP                 COMMON STOCK    338915101         418        11425 SH
  FLEET FINL GROUP                 COMMON STOCK    338915101         602        16440 SH
  FLEMINGTON FUR                   COMMON STOCK    339230989        1316        95734 SH
  FLEMINGTON FUR                   COMMON STOCK    339230997        1097        71914 SH
  FLORIDA                          COMMON STOCK    341109106         458         9900 SH
  FLORIDA                          COMMON STOCK    341109106           7          150 SH
  FLORIDA                          COMMON STOCK    341109106         243         5250 SH
  FLUOR                            COMMON STOCK    343861100         290         7200 SH
  FLUOR                            COMMON STOCK    343861100           3           80 SH
  FORD MOTOR DEL                   COMMON STOCK    345370100        2744        54609 SH
  FORD MOTOR DEL                   COMMON STOCK    345370100          50         1000 SH
  FORD MOTOR DEL                   COMMON STOCK    345370100         215         4270 SH
  FORTUNE BRANDS                   COMMON STOCK    349631101         610        18900 SH
  FORTUNE BRANDS                   COMMON STOCK    349631101          26          800 SH
  FORTUNE BRANDS                   COMMON STOCK    349631101         240         7448 SH
  FRANKLIN INTERNATIONAL           PREFERRED STOCK 353990203         432         4316 SH
  FRANKLIN RESOURCES               COMMON STOCK    354613101        1730        56610 SH
  FRANKLIN RESOURCES               COMMON STOCK    354613101          46         1500 SH
  FRANKLIN RESOURCES               COMMON STOCK    354613101         489        16016 SH
  FULTON FINL PA                   COMMON STOCK    360271100        1034        55150 SH
  GPU                              COMMON STOCK    36225X100         578        17715 SH
  GPU                              COMMON STOCK    36225X100          40         1238 SH
  GPU                              COMMON STOCK    36225X100        1104        33838 SH
  GTE                              COMMON STOCK    362320103       10989       142952 SH
  GTE                              COMMON STOCK    362320103         331         4300 SH
  GTE                              COMMON STOCK    362320103        4394        57161 SH
  GALLAHER GROUP                   COMMON STOCK    363595109         401        14750 SH
  GALLAHER GROUP                   COMMON STOCK    363595109         105         3878 SH
  GANNETT                          COMMON STOCK    364730101       12229       176756 SH
  GANNETT                          COMMON STOCK    364730101         111         1600 SH
  GANNETT                          COMMON STOCK    364730101         768        11100 SH
  GAP STORES                       COMMON STOCK    364760108        6924       216382 SH
  GAP STORES                       COMMON STOCK    364760108          52         1612 SH
  GAP STORES                       COMMON STOCK    364760108          48         1500 SH
  GENERAL ELECTRIC                 COMMON STOCK    369604103      134896      1137763 SH
  GENERAL ELECTRIC                 COMMON STOCK    369604103        5287        44592 SH
  GENERAL ELECTRIC                 COMMON STOCK    369604103       52958       446668 SH
  GENERAL ELECTRIC                 COMMON STOCK    369604103          36          300 SH
  GENERAL MILLS                    COMMON STOCK    370334104         800         9866 SH
  GENERAL MILLS                    COMMON STOCK    370334104         112         1384 SH
  GENERAL MILLS                    COMMON STOCK    370334104        1544        19034 SH
  GENERAL MOTORS                   COMMON STOCK    370442105        1249        19840 SH
  GENERAL MOTORS                   COMMON STOCK    370442105          73         1162 SH
  GENERAL MOTORS                   COMMON STOCK    370442105         324         5148 SH
  GENUINE PARTS                    COMMON STOCK    372460105         247         9300 SH
  GENUINE PARTS                    COMMON STOCK    372460105         262         9875 SH
  GEORGIA PACIFIC                  COMMON STOCK    373298108         424        10480 SH
  GEORGIA PACIFIC                  COMMON STOCK    373298108          32          800 SH
  GEORGIA PACIFIC                  COMMON STOCK    373298108         303         7500 SH
  GILLETTE                         COMMON STOCK    375766102        8146       240029 SH
  GILLETTE                         COMMON STOCK    375766102         547        16129 SH
  GILLETTE                         COMMON STOCK    375766102        1766        52048 SH
  GLAXO                            COMMON STOCK    37733W105       12632       242927 SH
  GLAXO                            COMMON STOCK    37733W105         645        12410 SH
  GLIMCHER REALTY TRUST            COMMON STOCK    379302102         161        10950 SH
  GOVERNMENT SECURITIES INCOME FD  MUTUAL FUNDS-FI 383743598           3        88334 SH
  GUIDANT                          COMMON STOCK    401698105         104         1946 SH
  GUIDANT                          COMMON STOCK    401698105         201         3752 SH
  HSB GROUP                        COMMON STOCK    40428N109         231         6555 SH
  HALLIBURTON                      COMMON STOCK    406216101         774        18880 SH
  HALLIBURTON                      COMMON STOCK    406216101         180         4400 SH
  HARLEY DAVIDSON                  COMMON STOCK    412822108        4433        88540 SH
  HARLEY DAVIDSON                  COMMON STOCK    412822108          60         1200 SH
  HARSCO                           COMMON STOCK    415864107         235         8496 SH
  HARTFORD FINANCIAL SERVICES      COMMON STOCK    416515104         777        19020 SH
  HARTFORD FINANCIAL SERVICES      COMMON STOCK    416515104          62         1508 SH
  HARTFORD FINANCIAL SERVICES      COMMON STOCK    416515104         387         9480 SH
  THE HARVILL PRESS LIMITED        COMMON STOCK    417999AA7         161        18625 SH
  HEINEKEN NV ADR                  COMMON STOCK    423012202         323         6500 SH
  HEINZ H J                        COMMON STOCK    423074103        1101        25595 SH
  HEINZ H J                        COMMON STOCK    423074103          75         1750 SH
  HEINZ H J                        COMMON STOCK    423074103         678        15765 SH
  HELIX TECHNOLOGY                 COMMON STOCK    423319102         499        15000 SH
  HERCULES                         COMMON STOCK    427056106         419        14629 SH
  HERCULES                         COMMON STOCK    427056106          54         1900 SH
  HERSHEY FOODS                    COMMON STOCK    427866108         809        16612 SH
  HERSHEY FOODS                    COMMON STOCK    427866108          29          600 SH
  HERSHEY FOODS                    COMMON STOCK    427866108         355         7300 SH
  HEWLETT PACKARD                  COMMON STOCK    428236103       24425       269150 SH
  HEWLETT PACKARD                  COMMON STOCK    428236103         307         3385 SH
  HEWLETT PACKARD                  COMMON STOCK    428236103        4522        49832 SH
  HEWLETT PACKARD                  COMMON STOCK    428236103          18          200 SH
  HIGHWOODS PPTYS                  COMMON STOCK    431284108         204         7900 SH
  HOLLINGER INTERNATIONAL          COMMON STOCK    435569108         713        60000 SH
  HOME DEPOT                       COMMON STOCK    437076102       26216       382025 SH
  HOME DEPOT                       COMMON STOCK    437076102        1344        19580 SH
  HOME DEPOT                       COMMON STOCK    437076102        4766        69454 SH
  HONEYWELL                        COMMON STOCK    438506107        5517        49565 SH
  HONEYWELL                        COMMON STOCK    438506107         250         2250 SH
  HOOPER HOLMES                    COMMON STOCK    439104100         384        15000 SH
  HOSPITALITY PPTYS TR             COMMON STOCK    44106M102         407        18350 SH
  HOSPITALITY PPTYS TR             COMMON STOCK    44106M102           9          400 SH
  HOSPITALITY PPTYS TR             COMMON STOCK    44106M102         118         5300 SH
  HOST MARRIOTT (REIT)             COMMON STOCK    44107P104         120        12609 SH
  HOUSEHOLD INTERNATIONAL          COMMON STOCK    441815107        2886        71934 SH
  HOUSEHOLD INTERNATIONAL          COMMON STOCK    441815107         254         6323 SH
  HUDSON UTD BANCORP               COMMON STOCK    444165104         104         3386 SH
  HUDSON UTD BANCORP               COMMON STOCK    444165104         102         3297 SH
  ICN PHARMACEUTCL                 COMMON STOCK    448924100         198        11500 SH
  ICN PHARMACEUTCL                 COMMON STOCK    448924100           9          500 SH
  IMS HEALTH                       COMMON STOCK    449934108         955        41842 SH
  IMS HEALTH                       COMMON STOCK    449934108          55         2400 SH
  IMS HEALTH                       COMMON STOCK    449934108         156         6860 SH
  ILLINOIS TOOL WORKS              COMMON STOCK    452308109        3482        46695 SH
  ILLINOIS TOOL WORKS              COMMON STOCK    452308109        3422        45900 SH
  INFORMIX                         COMMON STOCK    456779107         103        13000 SH
  INFORMIX                         COMMON STOCK    456779107           8         1000 SH
  INGERSOLL RAND                   COMMON STOCK    456866102        3582        65205 SH
  INGERSOLL RAND                   COMMON STOCK    456866102         115         2100 SH
  INGERSOLL RAND                   CONVERTIBLE PRE 456867209         919        35000 SH
  INTEL                            COMMON STOCK    458140100       53850       724649 SH
  INTEL                            COMMON STOCK    458140100        1046        14077 SH
  INTEL                            COMMON STOCK    458140100        9734       130984 SH
  INTL BUSINESS MACHINES           COMMON STOCK    459200101       54149       447514 SH
  INTL BUSINESS MACHINES           COMMON STOCK    459200101        1314        10860 SH
  INTL BUSINESS MACHINES           COMMON STOCK    459200101        7877        65097 SH
  INTL FLAVORS & FRAGRANCES        COMMON STOCK    459506101         207         6000 SH
  INTL FLAVORS & FRAGRANCES        COMMON STOCK    459506101          86         2500 SH
  INTL FLAVORS & FRAGRANCES        COMMON STOCK    459506101          35         1000 SH
  INTERNATIONAL PAPER              COMMON STOCK    460146103         557        11590 SH
  INTERNATIONAL PAPER              COMMON STOCK    460146103         229         4774 SH
  INTERPUBLIC GROUP                COMMON STOCK    460690100        7489       182100 SH
  JANUS                            MUTUAL FUNDS-EQ 471023101        3616        91389 SH
  JOHNSON & JOHNSON                COMMON STOCK    478160104       37566       408884 SH
  JOHNSON & JOHNSON                COMMON STOCK    478160104        1274        13866 SH
  JOHNSON & JOHNSON                COMMON STOCK    478160104       22179       241407 SH
  KELLOGG                          COMMON STOCK    487836108         150         4000 SH
  KELLOGG                          COMMON STOCK    487836108        4856       129700 SH
  KEMPER MUN BD FD SH BEN INT      MUTUAL FUNDS-MU 488419201         176        18300 SH
  KEMPER GOVT SECS TR              MUTUAL FUNDS-FI 488903261           0        10000 SH
  KEYCORP                          COMMON STOCK    493267108         229         8882 SH
  KEYCORP                          COMMON STOCK    493267108          99         3820 SH
  KEYSPAN                          COMMON STOCK    49337W100         285         9944 SH
  KEYSPAN                          COMMON STOCK    49337W100          29         1000 SH
  KEYSPAN                          COMMON STOCK    49337W100          49         1728 SH
  KIMBERLY CLARK                   COMMON STOCK    494368103       12557       238042 SH
  KIMBERLY CLARK                   COMMON STOCK    494368103         161         3056 SH
  KIMBERLY CLARK                   COMMON STOCK    494368103         836        15850 SH
  KIMBERLY CLARK                   COMMON STOCK    494368103           5          100 SH
  KIMCO REALTY                     COMMON STOCK    49446R109         297         8300 SH
  KONINKLIJKE PHILLIPS ELECTRONICS COMMON STOCK    500472204        1211        11987 SH
  KONINKLIJKE PHILLIPS ELECTRONICS COMMON STOCK    500472204         177         1748 SH
  ESTEE LAUDER AUTO EXCH SEC TR II CONVERTIBLE PRE 518438205        1326        17000 SH
  ESTEE LAUDER COMPANIES-CL A      COMMON STOCK    518439104        7153       183125 SH
  ESTEE LAUDER COMPANIES-CL A      COMMON STOCK    518439104          55         1400 SH
  LEHMAN BROS                      COMMON STOCK    524908100         116         1982 SH
  LEHMAN BROS                      COMMON STOCK    524908100         597        10226 SH
  LEVITZ FURNITURE                 COMMON STOCK    527482103           2        20000 SH
  LIBERTY PPTY TR                  COMMON STOCK    531172104         157         6900 SH
  LIBERTY PPTY TR                  COMMON STOCK    531172104          11          500 SH
  LIBERTY PPTY TR                  COMMON STOCK    531172104         144         6335 SH
  LILLY ELI                        COMMON STOCK    532457108        1127        17561 SH
  LILLY ELI                        COMMON STOCK    532457108         598         9324 SH
  LIMITED                          COMMON STOCK    532716107        5328       139300 SH
  LIMITED                          COMMON STOCK    532716107         136         3550 SH
  LINCOLN NATL                     COMMON STOCK    534187109        2629        70000 SH
  LINEAR TECHNOLOGY                COMMON STOCK    535678106         273         4650 SH
  LOCH HARRIS                      COMMON STOCK    539578203           7        50000 SH
  LOCKHEED MARTIN                  COMMON STOCK    539830109        6591       201638 SH
  LOCKHEED MARTIN                  COMMON STOCK    539830109          26          800 SH
  LOEWS                            COMMON STOCK    540424108         260         3700 SH
  LOEWS                            COMMON STOCK    540424108          84         1200 SH
  LUCENT TECHNOLOGIES              COMMON STOCK    549463107       60823       937545 SH
  LUCENT TECHNOLOGIES              COMMON STOCK    549463107        1697        26162 SH
  LUCENT TECHNOLOGIES              COMMON STOCK    549463107        8953       138002 SH
  LUCENT TECHNOLOGIES              COMMON STOCK    549463107          26          400 SH
  MBIA                             COMMON STOCK    55262C100         209         4475 SH
  MBIA                             COMMON STOCK    55262C100          23          500 SH
  MBNA                             COMMON STOCK    55262L100        6341       277951 SH
  MBNA                             COMMON STOCK    55262L100         288        12638 SH
  MBNA                             COMMON STOCK    55262L100         405        17770 SH
  MCI CAPITAL I                    PREFERRED STOCK 55267Y206         203         8450 SH
  MCI CAPITAL I                    PREFERRED STOCK 55267Y206          43         1800 SH
  MCI CAPITAL I                    PREFERRED STOCK 55267Y206         101         4200 SH
  MCI WORLDCOM                     COMMON STOCK    55268B106       33726       469228 SH
  MCI WORLDCOM                     COMMON STOCK    55268B106         912        12689 SH
  MCI WORLDCOM                     COMMON STOCK    55268B106        3951        54977 SH
  MCI WORLDCOM                     COMMON STOCK    55268B106           7          100 SH
  MFS INTER INCOME TR              MUTUAL FUNDS-FI 55273C107          68        10643 SH
  MACK-CALI REALTY                 COMMON STOCK    554489104          27         1000 SH
  MACK-CALI REALTY                 COMMON STOCK    554489104          13          500 SH
  MACK-CALI REALTY                 COMMON STOCK    554489104         169         6300 SH
  MARSH & MCLENNAN                 COMMON STOCK    571748102        3990        58245 SH
  MARSH & MCLENNAN                 COMMON STOCK    571748102          62          900 SH
  MARRIOTT INTERNATIONAL           COMMON STOCK    571903202         177         5400 SH
  MARRIOTT INTERNATIONAL           COMMON STOCK    571903202         507        15500 SH
  MASCO                            COMMON STOCK    574599106         222         7166 SH
  MASCO                            COMMON STOCK    574599106          74         2400 SH
  MATTEL                           COMMON STOCK    577081102        7339       386275 SH
  MATTEL                           COMMON STOCK    577081102          57         3000 SH
  MATTEL                           COMMON STOCK    577081102         146         7687 SH
  MAY DEPT STORES                  COMMON STOCK    577778103        1162        31895 SH
  MAY DEPT STORES                  COMMON STOCK    577778103          82         2250 SH
  MAY DEPT STORES                  COMMON STOCK    577778103        1489        40876 SH
  MCDONALDS                        COMMON STOCK    580135101        3214        74318 SH
  MCDONALDS                        COMMON STOCK    580135101         526        12160 SH
  MCGRAW HILL                      COMMON STOCK    580645109        3895        80510 SH
  MCGRAW HILL                      COMMON STOCK    580645109         701        14500 SH
  MCKESSON HBOC                    COMMON STOCK    58155Q103        7290       251377 SH
  MCKESSON HBOC                    COMMON STOCK    58155Q103          29         1000 SH
  MEDAREX                          COMMON STOCK    583916101         107        15000 SH
  MEDIAONE GROUP                   COMMON STOCK    58440J104        1090        15951 SH
  MEDIAONE GROUP                   COMMON STOCK    58440J104           2           36 SH
  MEDIAONE GROUP                   COMMON STOCK    58440J104         499         7305 SH
  MEDTRONICS                       COMMON STOCK    585055106         421        11834 SH
  MEDTRONICS                       COMMON STOCK    585055106          36         1000 SH
  MEDTRONICS                       COMMON STOCK    585055106         242         6800 SH
  MELLON BANK                      COMMON STOCK    585509102        2879        85624 SH
  MELLON BANK                      COMMON STOCK    585509102        1446        43000 SH
  MERCK                            COMMON STOCK    589331107       71519      1103474 SH
  MERCK                            COMMON STOCK    589331107        1641        25326 SH
  MERCK                            COMMON STOCK    589331107       37114       572633 SH
  MERCK                            COMMON STOCK    589331107          19          300 SH
  MERRILL LYNCH                    COMMON STOCK    590188108         838        12440 SH
  MERRILL LYNCH                    COMMON STOCK    590188108         214         3170 SH
  MICHIGAN ST HIGHER ED STUDENT    MUNICIPAL OBLIG 594520EY0         969       950000 PRN
  MICROSOFT                        COMMON STOCK    594918104       66707       736583 SH
  MICROSOFT                        COMMON STOCK    594918104        1705        18823 SH
  MICROSOFT                        COMMON STOCK    594918104       13696       151234 SH
  MICRON TECHNOLOGY                COMMON STOCK    595112103         213         3200 SH
  MINNESOTA MNG & MFG              COMMON STOCK    604059105       11930       124189 SH
  MINNESOTA MNG & MFG              COMMON STOCK    604059105         221         2300 SH
  MINNESOTA MNG & MFG              COMMON STOCK    604059105        2495        25970 SH
  MOBIL                            COMMON STOCK    607059102       29958       297347 SH
  MOBIL                            COMMON STOCK    607059102         977         9700 SH
  MOBIL                            COMMON STOCK    607059102        6198        61520 SH
  MOBIL                            COMMON STOCK    607059102          41          410 SH
  MOLEX                            COMMON STOCK    608554200          73         2256 SH
  MOLEX                            COMMON STOCK    608554200          55         1707 SH
  MOLEX                            COMMON STOCK    608554200          77         2382 SH
  MONSANTO                         COMMON STOCK    611662107        1363        38185 SH
  MONSANTO                         COMMON STOCK    611662107        1749        49000 SH
  MONSANTO                         CONVERTIBLE PRE 611662305        3238        89950 SH
  MONY GROUP                       COMMON STOCK    615337102         206         7120 SH
  MORGAN J P                       COMMON STOCK    616880100       12797       112012 SH
  MORGAN J P                       COMMON STOCK    616880100         200         1750 SH
  MORGAN J P                       COMMON STOCK    616880100        2627        22995 SH
  MORGAN STANLEY                   COMMON STOCK    617446448       13106       146952 SH
  MORGAN STANLEY                   COMMON STOCK    617446448         539         6038 SH
  MORGAN STANLEY                   COMMON STOCK    617446448         851         9545 SH
  MOTOROLA                         COMMON STOCK    620076109       17148       194858 SH
  MOTOROLA                         COMMON STOCK    620076109         312         3550 SH
  MOTOROLA                         COMMON STOCK    620076109        1681        19100 SH
  MUNIYIELD NJ FUND                MUTUAL FUNDS-MU 62630L101          68         5225 SH
  MUNIYIELD NJ FUND                MUTUAL FUNDS-MU 62630L101          15         1126 SH
  MUNIYIELD NJ FUND                MUTUAL FUNDS-MU 62630L101          67         5150 SH
  MURPHY OIL                       COMMON STOCK    626717102         245         4529 SH
  NATIONAL FUEL GAS                COMMON STOCK    636180101         335         7100 SH
  NATIONAL FUEL GAS                COMMON STOCK    636180101          14          300 SH
  NATIONAL FUEL GAS                COMMON STOCK    636180101         221         4680 SH
  NATIONAL WESTMINSTER BANK PLC    COMMON STOCK    638539403         773         5559 SH
  NATIONAL WESTMINSTER BANK PLC    COMMON STOCK    638539403         159         1141 SH
  NESTLE S A                       COMMON STOCK    641069406        1713        18230 SH
  NESTLE S A                       COMMON STOCK    641069406         164         1750 SH
  NETWORK APPLIANCE                COMMON STOCK    64120L104        3223        45000 SH
  NEW JERSEY RESOURCES             COMMON STOCK    646025106         274         6838 SH
  NEW JERSEY RESOURCES             COMMON STOCK    646025106          20          500 SH
  NEWELL FINL TR I                 CONVERTIBLE PRE 651195307        1409        35000 SH
  NEWELL RUBBERMAID                COMMON STOCK    651229106         514        18000 SH
  NEWELL RUBBERMAID                COMMON STOCK    651229106          29         1000 SH
  NOKIA                            COMMON STOCK    654902204       22513       250490 SH
  NOKIA                            COMMON STOCK    654902204         158         1758 SH
  NOKIA                            COMMON STOCK    654902204        1420        15800 SH
  NORFOLK SOUTHERN                 COMMON STOCK    655844108        5278       215410 SH
  NORFOLK SOUTHERN                 COMMON STOCK    655844108          98         4000 SH
  NORFOLK SOUTHERN                 COMMON STOCK    655844108         386        15755 SH
  NORTEL NETWORKS                  COMMON STOCK    656569100         486         9520 SH
  NORTEL NETWORKS                  COMMON STOCK    656569100          20          400 SH
  NORTH AMERICAN TRAINING          COMMON STOCK    657999991           0        39217 SH
  NORTHERN STS PWR CO MINN         COMMON STOCK    665772109         201         9324 SH
  NORTHERN TRUST                   COMMON STOCK    665859104       13647       163442 SH
  NORTHERN TRUST                   COMMON STOCK    665859104         394         4719 SH
  NORTHERN TRUST                   COMMON STOCK    665859104        1239        14838 SH
  NUVEEN MUN MKT OPPORTUNITY FD    MUTUAL FUNDS-MU 67062W103         154        10589 SH
  NUVEEN MUN MKT OPPORTUNITY FD    MUTUAL FUNDS-MU 67062W103          87         6000 SH
  OFFICE DEPOT                     COMMON STOCK    676220106         553        52700 SH
  OMNICARE                         COMMON STOCK    681904108         121        12600 SH
  OMNICOM GROUP                    COMMON STOCK    681919106         206         2600 SH
  OMNICOM GROUP                    COMMON STOCK    681919106          55          700 SH
  ORACLE                           COMMON STOCK    68389X105         447         9828 SH
  ORACLE                           COMMON STOCK    68389X105         237         5212 SH
  PECO ENERGY                      COMMON STOCK    693304107         312         8308 SH
  PECO ENERGY                      COMMON STOCK    693304107          11          300 SH
  PIMCO ADVISORS HLGS L P          COMMON STOCK    69338P102         248         7875 SH
  PIMCO ADVISORS HLGS L P          COMMON STOCK    69338P102          58         1854 SH
  PIMCO ADVISORS HLGS L P          COMMON STOCK    69338P102         560        17768 SH
  PNC BANK                         COMMON STOCK    693475105        1159        22000 SH
  PNC BANK                         COMMON STOCK    693475105          61         1149 SH
  PNC BANK                         COMMON STOCK    693475105         242         4587 SH
  P P & L RES                      COMMON STOCK    693499105        2073        76600 SH
  P P & L RES                      COMMON STOCK    693499105          11          400 SH
  P P & L RES                      COMMON STOCK    693499105         317        11706 SH
  PPG                              COMMON STOCK    693506107        3630        60507 SH
  PPG                              COMMON STOCK    693506107          96         1600 SH
  PPG                              COMMON STOCK    693506107         761        12686 SH
  PSS WORLD MEDICAL INC            COMMON STOCK    69366A100         102        11400 SH
  PARDEE RESOURCES                 COMMON STOCK    699437109         490        11400 SH
  PARKER HANNIFIN                  COMMON STOCK    701094104         630        14049 SH
  PAYCHEX                          COMMON STOCK    704326107        1366        40033 SH
  PAYCHEX                          COMMON STOCK    704326107          26          750 SH
  PAYCHEX                          COMMON STOCK    704326107         173         5065 SH
  PENNEY J C                       COMMON STOCK    708160106        1572        45561 SH
  PENNEY J C                       COMMON STOCK    708160106          52         1500 SH
  PENNEY J C                       COMMON STOCK    708160106          93         2700 SH
  PENNZOIL-QUAKER ST               COMMON STOCK    709323109          49         3909 SH
  PENNZOIL-QUAKER ST               COMMON STOCK    709323109         170        13456 SH
  PEPSICO                          COMMON STOCK    713448108       14099       462269 SH
  PEPSICO                          COMMON STOCK    713448108         180         5900 SH
  PEPSICO                          COMMON STOCK    713448108        4387       143834 SH
  PETSMART                         COMMON STOCK    716768106          37        10000 SH
  PHARMACIA & UPJOHN               COMMON STOCK    716941109        2212        44575 SH
  PHARMACIA & UPJOHN               COMMON STOCK    716941109           9          185 SH
  PFIZER                           COMMON STOCK    717081103       42613      1187813 SH
  PFIZER                           COMMON STOCK    717081103        1525        42514 SH
  PFIZER                           COMMON STOCK    717081103       15627       435597 SH
  PHILIP MORRIS                    COMMON STOCK    718154107        4276       125065 SH
  PHILIP MORRIS                    COMMON STOCK    718154107         331         9670 SH
  PHILIP MORRIS                    COMMON STOCK    718154107        4776       139687 SH
  PHILLIPS PETE                    COMMON STOCK    718507106         198         4060 SH
  PHILLIPS PETE                    COMMON STOCK    718507106          63         1285 SH
  PIERCING PAGODA                  COMMON STOCK    720773100         194        14890 SH
  PIONEER HI BRED INTL             COMMON STOCK    723686101         357         9000 SH
  PIONEER HI BRED INTL             COMMON STOCK    723686101         107         2700 SH
  PITNEY BOWES                     COMMON STOCK    724479100        2795        45860 SH
  PITNEY BOWES                     COMMON STOCK    724479100          49          800 SH
  PITNEY BOWES                     COMMON STOCK    724479100         360         5900 SH
  PLATINUM ENTMT                   COMMON STOCK    727909103          41        10000 SH
  POTOMAC ELECTRIC PWR             COMMON STOCK    737679100         140         5500 SH
  POTOMAC ELECTRIC PWR             COMMON STOCK    737679100          56         2206 SH
  POTOMAC ELECTRIC PWR             COMMON STOCK    737679100          66         2600 SH
  PRAXAIR                          COMMON STOCK    74005P104         803        17460 SH
  PRAXAIR                          COMMON STOCK    74005P104          93         2026 SH
  PRAXAIR                          COMMON STOCK    74005P104          14          309 SH
  PREFORMED LINE PRODUCTS          COMMON STOCK    740444104         567        36000 SH
  PREMIER BANCORP                  COMMON STOCK    74046J109         114        12360 SH
  PROCTER & GAMBLE                 COMMON STOCK    742718109       27781       296331 SH
  PROCTER & GAMBLE                 COMMON STOCK    742718109         779         8307 SH
  PROCTER & GAMBLE                 COMMON STOCK    742718109        9434       100631 SH
  PROGRESSIVE                      COMMON STOCK    743315103         182         2222 SH
  PROGRESSIVE                      COMMON STOCK    743315103          34          418 SH
  PROVIDIAN FINANCIAL              COMMON STOCK    74406A102         340         4298 SH
  PSINET                           CONVERTIBLE PRE 74437C309        1489        37000 SH
  PUBLIC SERVICE                   COMMON STOCK    744516105         191         6205 SH
  PUBLIC SERVICE                   COMMON STOCK    744516105          43         1400 SH
  PUBLIC SERVICE ENTERPRISE        COMMON STOCK    744573106        2822        73059 SH
  PUBLIC SERVICE ENTERPRISE        COMMON STOCK    744573106         169         4363 SH
  PUBLIC SERVICE ENTERPRISE        COMMON STOCK    744573106        2046        52979 SH
  PUBLIC SERVICE ENTERPRISE        COMMON STOCK    744573106         132         3417 SH
  QUADRAMED                        COMMON STOCK    74730W101         140        18623 SH
  QUAKER OATS                      COMMON STOCK    747402105         231         3740 SH
  QUAKER OATS                      COMMON STOCK    747402105         116         1878 SH
  QUAKER OATS                      COMMON STOCK    747402105          80         1300 SH
  QUALCOMM                         COMMON STOCK    747525103        3254        17200 SH
  QUALCOMM                         COMMON STOCK    747525103         227         1200 SH
  QUESTAR                          COMMON STOCK    748356102         493        27200 SH
  QWEST COMMUNICATIONS INTL        COMMON STOCK    749121109         290         9804 SH
  QWEST COMMUNICATIONS INTL        COMMON STOCK    749121109          41         1400 SH
  RAINFOREST CAFE                  COMMON STOCK    75086K104         109        20520 SH
  RALSTON-RALSTON PURINA GROUP     COMMON STOCK    751277302          56         1992 SH
  RALSTON-RALSTON PURINA GROUP     COMMON STOCK    751277302         212         7596 SH
  RAYTHEON                         COMMON STOCK    755111408         555        11180 SH
  RAYTHEON                         COMMON STOCK    755111408          20          400 SH
  RAYTHEON                         COMMON STOCK    755111408         861        17350 SH
  READERS DIGEST FIN TR            CONVERTIBLE PRE 755271202        1398        49500 SH
  READERS DIGEST FIN TR            CONVERTIBLE PRE 755271202          28         1000 SH
  RELIANT ENERGY                   COMMON STOCK    75952J108         132         4886 SH
  RELIANT ENERGY                   COMMON STOCK    75952J108          27         1000 SH
  RELIANT ENERGY                   COMMON STOCK    75952J108         122         4500 SH
  REPSOL SA SPONSORED ADR          COMMON STOCK    76026T205         211        10575 SH
  REPSOL SA SPONSORED ADR          COMMON STOCK    76026T205          60         3000 SH
  REYNOLDS METALS                  COMMON STOCK    761763101        1075        17800 SH
  RHONE-POULENC SA                 COMMON STOCK    762426609         220         4300 SH
  RITE AID                         COMMON STOCK    767754104         167        12060 SH
  RITE AID                         COMMON STOCK    767754104          28         2000 SH
  ROCKWELL INTL                    COMMON STOCK    773903109         427         8136 SH
  ROCKWELL INTL                    COMMON STOCK    773903109          63         1200 SH
  ROCKWELL INTL                    COMMON STOCK    773903109         242         4600 SH
  ROCKWELL INTL                    COMMON STOCK    773903109          80         1517 SH
  ROHM & HAAS                      COMMON STOCK    775371107         319         8838 SH
  ROSECAP                          COMMON STOCK    777323106          40        26660 SH
  ROSECAP                          COMMON STOCK    777323106          60        40000 SH
  ROYAL DUTCH PETE                 COMMON STOCK    780257804       15538       263071 SH
  ROYAL DUTCH PETE                 COMMON STOCK    780257804         190         3220 SH
  ROYAL DUTCH PETE                 COMMON STOCK    780257804        4506        76292 SH
  SBC COMMUNICATIONS               COMMON STOCK    78387G103       20502       401499 SH
  SBC COMMUNICATIONS               COMMON STOCK    78387G103         612        11990 SH
  SBC COMMUNICATIONS               COMMON STOCK    78387G103        5483       107386 SH
  S&P 500 DEPOSITARY RECEIPT       COMMON STOCK    78462F103        2661        20665 SH
  SAFEWAY                          COMMON STOCK    786514208        5083       133550 SH
  SAFEWAY                          COMMON STOCK    786514208          13          350 SH
  ST PAUL                          COMMON STOCK    792860108        2035        73988 SH
  ST PAUL                          COMMON STOCK    792860108          17          600 SH
  SARA LEE                         COMMON STOCK    803111103       10817       462779 SH
  SARA LEE                         COMMON STOCK    803111103          23         1000 SH
  SARA LEE                         COMMON STOCK    803111103         476        20370 SH
  SASSOON INTL                     COMMON STOCK    803869106           0        12500 SH
  SCHERING PLOUGH                  COMMON STOCK    806605101       26853       615548 SH
  SCHERING PLOUGH                  COMMON STOCK    806605101        1526        34983 SH
  SCHERING PLOUGH                  COMMON STOCK    806605101        5796       132857 SH
  SCHLUMBERGER                     COMMON STOCK    806857108        8938       143441 SH
  SCHLUMBERGER                     COMMON STOCK    806857108          31          500 SH
  SCHLUMBERGER                     COMMON STOCK    806857108        1055        16929 SH
  SEAGRAMS                         COMMON STOCK    811850106         355         7805 SH
  SEAGRAMS                         CONVERTIBLE PRE 811850205        1161        25000 SH
  SEARS                            COMMON STOCK    812387108        1143        36424 SH
  SEARS                            COMMON STOCK    812387108          16          500 SH
  SEARS                            COMMON STOCK    812387108         211         6716 SH
  SELECTIVE INSURANCE              COMMON STOCK    816300107         283        15000 SH
  SELECTIVE INSURANCE              COMMON STOCK    816300107         214        11340 SH
  SERVICE CORP INTL                COMMON STOCK    817565104         291        27550 SH
  SERVICE CORP INTL                COMMON STOCK    817565104          81         7650 SH
  SERVICE                          COMMON STOCK    817587108           3        10000 SH
  SHELL                            COMMON STOCK    822703609         369         8100 SH
  SHELL                            COMMON STOCK    822703609          11          248 SH
  SHERWIN-WILLIAMS                 COMMON STOCK    824348106         314        15000 SH
  SHERWIN-WILLIAMS                 COMMON STOCK    824348106         201         9600 SH
  SKYLANDS FINL                    COMMON STOCK    83081H100         177        17055 SH
  SMITHKLINE BEECHAM               COMMON STOCK    832378301       18145       314885 SH
  SMITHKLINE BEECHAM               COMMON STOCK    832378301         152         2640 SH
  SMITHKLINE BEECHAM               COMMON STOCK    832378301        1217        21125 SH
  SMITHKLINE BEECHAM               COMMON STOCK    832378301           6          100 SH
  SOLECTRON                        COMMON STOCK    834182107         657         9150 SH
  SONAT                            COMMON STOCK    835415100         349         8790 SH
  SONAT                            COMMON STOCK    835415100         153         3850 SH
  SOUTHERN                         COMMON STOCK    842587107        1141        44329 SH
  SOUTHERN                         COMMON STOCK    842587107          39         1500 SH
  SOUTHERN                         COMMON STOCK    842587107         315        12216 SH
  SOUTHTRUST                       COMMON STOCK    844730101         150         4170 SH
  SOUTHTRUST                       COMMON STOCK    844730101          22          600 SH
  SOUTHTRUST                       COMMON STOCK    844730101          54         1500 SH
  SOVEREIGN BANCORP                COMMON STOCK    845905108         368        40519 SH
  SOVEREIGN BANCORP                COMMON STOCK    845905108          39         4271 SH
  SOVEREIGN BANCORP                COMMON STOCK    845905108          38         4152 SH
  SPRINT                           COMMON STOCK    852061100         606        11162 SH
  SPRINT                           COMMON STOCK    852061100          43          800 SH
  SPRINT                           COMMON STOCK    852061100         235         4340 SH
  STAGE STORES                     COMMON STOCK    85254C107          88        14250 SH
  STAGE STORES                     COMMON STOCK    85254C107          17         2700 SH
  STAPLES                          COMMON STOCK    855030102         228        10468 SH
  STATE STR                        COMMON STOCK    857477103         343         5300 SH
  STATEN IS BANCORP INC            COMMON STOCK    857550107         921        48941 SH
  STATEN IS BANCORP INC            COMMON STOCK    857550107         104         5503 SH
  STEWART ENTERPRISES              COMMON STOCK    860370105          73        12000 SH
  SUIZA FOODS                      COMMON STOCK    865077101         299         7980 SH
  SUMMIT BANCORP                   COMMON STOCK    866005101      171785      5295885 SH
  SUMMIT BANCORP                   COMMON STOCK    866005101        6120       188680 SH
  SUMMIT BANCORP                   COMMON STOCK    866005101       21257       655316 SH
  SUMMIT BANCORP                   COMMON STOCK    866005101         525        16177 SH
  SUN MICROSYSTEMS                 COMMON STOCK    866810104         586         6298 SH
  SUN MICROSYSTEMS                 COMMON STOCK    866810104         683         7344 SH
  SUNGARD DATA SYSTEM              COMMON STOCK    867363103         342        13015 SH
  SUNGARD DATA SYSTEM              COMMON STOCK    867363103          13          500 SH
  SYQUEST TECHNOLOGY               COMMON STOCK    871660106           0        10875 SH
  SYSCO                            COMMON STOCK    871829107        1660        47338 SH
  SYSCO                            COMMON STOCK    871829107         119         3400 SH
  SYSCO                            COMMON STOCK    871829107        1068        30468 SH
  TECO ENERGY                      COMMON STOCK    872375100           2           88 SH
  TECO ENERGY                      COMMON STOCK    872375100         266        12600 SH
  TEPPCO PARTNERS LP               COMMON STOCK    872384102         160         8000 SH
  TEPPCO PARTNERS LP               COMMON STOCK    872384102          68         3400 SH
  T-NETIX                          COMMON STOCK    872597109         285        63367 SH
  TRW                              COMMON STOCK    872649108         257         5160 SH
  TECH DATA                        COMMON STOCK    878237106         257        11050 SH
  TELLABS                          COMMON STOCK    879664100        4603        80844 SH
  TELLABS                          COMMON STOCK    879664100          34          600 SH
  A T & T SH                       COMMON STOCK    879919108         267         1400 SH
  TEXACO                           COMMON STOCK    881694103        5749        91078 SH
  TEXACO                           COMMON STOCK    881694103         346         5484 SH
  TEXACO                           COMMON STOCK    881694103         905        14330 SH
  TEXAS INSTRUMENTS                COMMON STOCK    882508104       18897       229750 SH
  TEXAS INSTRUMENTS                COMMON STOCK    882508104         336         4080 SH
  TEXAS INSTRUMENTS                COMMON STOCK    882508104         382         4650 SH
  TEXAS UTILS                      COMMON STOCK    882848104         357         9580 SH
  TEXAS UTILS                      COMMON STOCK    882848104          37         1000 SH
  TEXAS UTILS                      COMMON STOCK    882848104         854        22891 SH
  TEXTRON                          COMMON STOCK    883203101       15269       197334 SH
  TEXTRON                          COMMON STOCK    883203101         323         4170 SH
  THOMAS & BETTS                   COMMON STOCK    884315102        6129       120170 SH
  THOMAS & BETTS                   COMMON STOCK    884315102        5871       115108 SH
  3 COM                            COMMON STOCK    885535104        1513        52610 SH
  3 COM                            COMMON STOCK    885535104          29         1000 SH
  3 COM                            COMMON STOCK    885535104         198         6875 SH
  TIME WARNER                      COMMON STOCK    887315109       15400       253494 SH
  TIME WARNER                      COMMON STOCK    887315109          36          600 SH
  TIME WARNER                      COMMON STOCK    887315109         908        14950 SH
  TRIARC                           COMMON STOCK    895927101         206         9610 SH
  TRICON GLOBAL RESTAURANTS        COMMON STOCK    895953107         391         9540 SH
  TRICON GLOBAL RESTAURANTS        COMMON STOCK    895953107           5          120 SH
  TRICON GLOBAL RESTAURANTS        COMMON STOCK    895953107         233         5701 SH
  TYCO INTL                        COMMON STOCK    902124106       27744       268710 SH
  TYCO INTL                        COMMON STOCK    902124106         893         8650 SH
  TYCO INTL                        COMMON STOCK    902124106        2451        23743 SH
  USX                              COMMON STOCK    902905827         855        29217 SH
  USG                              COMMON STOCK    903293405         248         5200 SH
  UNCOMMON VALUES UNIT TR 1985     MUTUAL FUNDS-EQ 904310174          48        48752 SH
  UNILEVER PLC AMERN SHS           COMMON STOCK    904767704          69         1785 SH
  UNILEVER PLC AMERN SHS           COMMON STOCK    904767704         137         3570 SH
  UNILEVER N V NEW YORK SHS        COMMON STOCK    904784709         723        10619 SH
  UNILEVER N V NEW YORK SHS        COMMON STOCK    904784709         596         8745 SH
  UNION PACIFIC                    COMMON STOCK    907818108        9593       199601 SH
  UNION PACIFIC                    COMMON STOCK    907818108          77         1600 SH
  UNION PACIFIC                    COMMON STOCK    907818108         971        20200 SH
  UNION PAC CAP TR                 CONVERTIBLE PRE 907824205        1361        30000 SH
  UNION PAC RES GROUP              COMMON STOCK    907834105        1188        73088 SH
  UNION PAC RES GROUP              COMMON STOCK    907834105           5          338 SH
  UNION PAC RES GROUP              COMMON STOCK    907834105          34         2097 SH
  UNITED DOMINION REALTY TRUST     COMMON STOCK    910197102          54         4800 SH
  UNITED DOMINION REALTY TRUST     COMMON STOCK    910197102         217        19400 SH
  UNITED NATL BANCORP N J          COMMON STOCK    910909100          24         1053 SH
  UNITED NATL BANCORP N J          COMMON STOCK    910909100         523        22514 SH
  UNITED RETAIL GROUP              COMMON STOCK    911380103         214        18000 SH
  U S WEST NEW                     COMMON STOCK    91273H101        2414        42312 SH
  U S WEST NEW                     COMMON STOCK    91273H101         127         2232 SH
  U S WEST NEW                     COMMON STOCK    91273H101        1590        27859 SH
  UNITED TECHNOLOGIES              COMMON STOCK    913017109       20816       350963 SH
  UNITED TECHNOLOGIES              COMMON STOCK    913017109          24          400 SH
  UNITED TECHNOLOGIES              COMMON STOCK    913017109        2235        37690 SH
  UNITED TECHNOLOGIES              COMMON STOCK    913017109          24          400 SH
  UNITED WTR RESOURCES             COMMON STOCK    913190104         628        19243 SH
  UNITED WTR RESOURCES             COMMON STOCK    913190104          33         1000 SH
  UNITED WTR RESOURCES             COMMON STOCK    913190104          55         1687 SH
  UNITED WTR RESOURCES             COMMON STOCK    913190104          66         2038 SH
  UNUMPROVIDENT                    COMMON STOCK    91529Y106         256         8700 SH
  UNUMPROVIDENT                    COMMON STOCK    91529Y106           3          100 SH
  UNUMPROVIDENT                    COMMON STOCK    91529Y106          44         1500 SH
  VALLEY NATL BANCORP              COMMON STOCK    919794107         694        27911 SH
  VALLEY NATL BANCORP              COMMON STOCK    919794107           6          232 SH
  VALLEY NATL BANCORP              COMMON STOCK    919794107         217         8716 SH
  VANGUARD FIXED SECS FD           MUTUAL FUNDS-FI 922031307        3219       321605 SH
  VANGUARD FIXED SECS FD           MUTUAL FUNDS-FI 922031307         257        25649 SH
  VANGUARD FIXED SECS FD           MUTUAL FUNDS-FI 922031307         102        10179 SH
  VIAD                             COMMON STOCK    92552R109         598        20286 SH
  VIAD                             COMMON STOCK    92552R109          30         1000 SH
  VIAD                             COMMON STOCK    92552R109         189         6400 SH
  VISX                             COMMON STOCK    92844S105         316         4000 SH
  VODAFONE AIRTOUCH                COMMON STOCK    92857T107        6311        26543 SH
  VODAFONE AIRTOUCH                COMMON STOCK    92857T107         153          643 SH
  VODAFONE AIRTOUCH                COMMON STOCK    92857T107        1087         4573 SH
  WACHOVIA                         COMMON STOCK    929771103         296         3770 SH
  WACHOVIA                         COMMON STOCK    929771103         240         3050 SH
  WAL MART                         COMMON STOCK    931142103       16963       356648 SH
  WAL MART                         COMMON STOCK    931142103        5237       110100 SH
  WALGREEN                         COMMON STOCK    931422109         683        26932 SH
  WALGREEN                         COMMON STOCK    931422109          20          800 SH
  WARNER LAMBERT                   COMMON STOCK    934488107       16523       248934 SH
  WARNER LAMBERT                   COMMON STOCK    934488107         821        12365 SH
  WARNER LAMBERT                   COMMON STOCK    934488107        5946        89577 SH
  WASHINGTON MUTUAL                COMMON STOCK    939322103        1103        37700 SH
  WASHINGTON MUTUAL                COMMON STOCK    939322103          37         1250 SH
  WATSON PHARMACEUTICALS           COMMON STOCK    942683103         275         9012 SH
  WELLS FARGO NEW                  COMMON STOCK    949746101        3763        94970 SH
  WELLS FARGO NEW                  COMMON STOCK    949746101          16          400 SH
  WELLS FARGO NEW                  COMMON STOCK    949746101         289         7300 SH
  WEYERHAEUSER                     COMMON STOCK    962166104          72         1250 SH
  WEYERHAEUSER                     COMMON STOCK    962166104         190         3300 SH
  WHIRLPOOL                        COMMON STOCK    963320106         173         2650 SH
  WHIRLPOOL                        COMMON STOCK    963320106          20          300 SH
  WHIRLPOOL                        COMMON STOCK    963320106          79         1210 SH
  WILLIAMS COS                     COMMON STOCK    969457100        4086       108602 SH
  WILLIAMS COS                     COMMON STOCK    969457100          38         1000 SH
  WILMINGTON TRUST                 COMMON STOCK    971807102         437         9000 SH
  WILMINGTON TRUST                 COMMON STOCK    971807102         233         4800 SH
  WISCONSIN ENERGY                 COMMON STOCK    976657106         375        16021 SH
  WISCONSIN ENERGY                 COMMON STOCK    976657106         142         6050 SH
  WRIGLEY WM JR                    COMMON STOCK    982526105         121         1757 SH
  WRIGLEY WM JR                    COMMON STOCK    982526105         495         7200 SH
  WRIGLEY WM JR                    COMMON STOCK    982526204         249         3600 SH
  XILINX                           COMMON STOCK    983919101        2484        37900 SH
  XEROX                            COMMON STOCK    984121103        3308        78878 SH
  XEROX                            COMMON STOCK    984121103         469        11178 SH
  YAHOO                            COMMON STOCK    984332106        6489        36150 SH
  YAHOO                            COMMON STOCK    984332106         718         4000 SH
  ZOMAX                            COMMON STOCK    989929104         311        12000 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
  EBAGS                            COMMON STOCK    99A366105          12        12500 SH
  GLOBAL CROSSING LTD              COMMON STOCK    G3921A100         720        27186 SH
  GLOBAL CROSSING LTD              COMMON STOCK    G3921A100          13          500 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                  361826
  AT&T                            SOLE                                            57615
  AT&T                            DEFINED               16901
  AT&T                            DEFINED                                         5325
  AT&T                            OTHER                 71433
  AT&T                            OTHER                              1500
  AT&T                            OTHER                                           15640
  AT&T                            DEF/OTH               1011
  ABBOTT LABS                     SOLE                  94228
  ABBOTT LABS                     SOLE                                            35900
  ABBOTT LABS                     DEFINED               1600
  ABBOTT LABS                     OTHER                 104970
  ABBOTT LABS                     OTHER                                           21500
  ACCLAIM ENMNT                   SOLE                  15000
  AEGON N V                       SOLE                  168
  AEGON N V                       OTHER                 760
  AEGON N V                       OTHER                                           1500
  AETNA                           SOLE                  11267
  AETNA                           DEFINED               1639
  AETNA                           DEFINED                                         42
  AETNA                           OTHER                 1600
  AIR PRODUCTS & CHEMICALS        SOLE                  147200
  AIR PRODUCTS & CHEMICALS        SOLE                                            17400
  AIR PRODUCTS & CHEMICALS        OTHER                 9950
  ALLEGHENY ENERGY                SOLE                  6350
  ALLEGHENY ENERGY                SOLE                                            570
  ALLEGHENY ENERGY                DEFINED               400
  ALLEGHENY ENERGY                OTHER                                           800
  ALLERGAN                        SOLE                  7704
  ALLIANCE CAPITAL MGMT           SOLE                  22185
  ALLIANCE CAPITAL MGMT           SOLE                                            28600
  ALLIANCE CAPITAL MGMT           DEFINED               2800
  ALLIANCE CAPITAL MGMT           DEFINED                                         1000
  ALLIANCE CAPITAL MGMT           OTHER                 29380
  ALLIANCE CAPITAL MGMT           OTHER                                           10000
  ALLIED IRISH BANKS PLC          SOLE                  8400
  ALLIED IRISH BANKS PLC          OTHER                 5100
  ALLIED SIGNAL                   SOLE                  61078
  ALLIED SIGNAL                   SOLE                                            1600
  ALLIED SIGNAL                   DEFINED               1800
  ALLIED SIGNAL                   OTHER                 5414
  ALLIED WASTE INDS               SOLE                  59300
  ALLIED WASTE INDS               SOLE                                            2000
  ALLSTATE                        SOLE                  46786
  ALLSTATE                        SOLE                                            2500
  ALLSTATE                        DEFINED               1000
  ALLSTATE                        DEFINED                                         926
  ALLSTATE                        OTHER                 4206
  ALLSTATE                        OTHER                                           740
  ALLTELL                         SOLE                  47561
  ALLTELL                         SOLE                                            2666
  ALLTELL                         OTHER                 1885
  AMCAP FD                        OTHER                 17665
  AMERICA ONLINE                  SOLE                  152389
  AMERICA ONLINE                  SOLE                                            17115
  AMERICA ONLINE                  DEFINED               7775
  AMERICA ONLINE                  DEFINED                                         1050
  AMERICA ONLINE                  OTHER                 31249
  AMERICA ONLINE                  OTHER                              2400
  AMERICA ONLINE                  OTHER                                           3208
  AMERICAN ELECTRIC POWER         SOLE                  5230
  AMERICAN ELECTRIC POWER         SOLE                                            2230
  AMERICAN ELECTRIC POWER         DEFINED               1059
  AMERICAN ELECTRIC POWER         OTHER                 15194
  AMERICAN ELECTRIC POWER         OTHER                                           8273
  AMERICAN EXPRESS                SOLE                  115412
  AMERICAN EXPRESS                SOLE                                            7300
  AMERICAN EXPRESS                OTHER                 30048
  AMERICAN EXPRESS                OTHER                                           2723
  AMERICAN FINL GROUP INC         SOLE                  10000
  AMERICAN GENERAL                SOLE                  39280
  AMERICAN GENERAL                OTHER                 2490
  AMERICAN HOME PRODUCTS          SOLE                  292362
  AMERICAN HOME PRODUCTS          SOLE                                            40960
  AMERICAN HOME PRODUCTS          DEFINED               12640
  AMERICAN HOME PRODUCTS          DEFINED                                         3600
  AMERICAN HOME PRODUCTS          OTHER                 127051
  AMERICAN HOME PRODUCTS          OTHER                                           15933
  AMERICAN INTL GROUP             SOLE                  471544
  AMERICAN INTL GROUP             SOLE                                            61788
  AMERICAN INTL GROUP             DEFINED               14689
  AMERICAN INTL GROUP             DEFINED                                         625
  AMERICAN INTL GROUP             OTHER                 81823
  AMERICAN INTL GROUP             OTHER                              750
  AMERICAN INTL GROUP             OTHER                                           23841
  AMERICAN POWER CONVERSION       SOLE                  57850
  AMERICAN POWER CONVERSION       SOLE                                            29200
  AMERICAN POWER CONVERSION       DEFINED               10700
  AMERICAN POWER CONVERSION       OTHER                 4400
  AMERICAN POWER CONVERSION       OTHER                              4000
  AMERICAN POWER CONVERSION       OTHER                                           6800
  AMERICAN WATER WORKS            SOLE                  7109
  AMERITECH                       SOLE                  247517
  AMERITECH                       SOLE                                            26669
  AMERITECH                       DEFINED               6928
  AMERITECH                       DEFINED                                         2072
  AMERITECH                       OTHER                 53758
  AMERITECH                       OTHER                                           9884
  AMGEN                           SOLE                  18990
  AMGEN                           SOLE                                            5750
  AMGEN                           DEFINED               400
  AMGEN                           OTHER                 4400
  ANALOG DEVICES                  SOLE                  4315
  ANHEUSER BUSCH                  SOLE                  19398
  ANHEUSER BUSCH                  SOLE                                            1555
  ANHEUSER BUSCH                  DEFINED               400
  ANHEUSER BUSCH                  DEFINED                                         400
  ANHEUSER BUSCH                  OTHER                 6014
  ANHEUSER BUSCH                  OTHER                                           8400
  APPLIED MATERIALS               SOLE                  107750
  APPLIED MATERIALS               OTHER                 200
  AQUIS COMMUNICATIONS GROUP      SOLE                  10000
  ASSOCIATES FIRST CAPITAL CRP    SOLE                  7997
  ASSOCIATES FIRST CAPITAL CRP    SOLE                                            1670
  ASSOCIATES FIRST CAPITAL CRP    DEFINED               400
  ASSOCIATES FIRST CAPITAL CRP    DEFINED                                         104
  ASSOCIATES FIRST CAPITAL CRP    OTHER                 1386
  ATLANTIC RICHFIELD              SOLE                  184933
  ATLANTIC RICHFIELD              SOLE                                            11438
  ATLANTIC RICHFIELD              DEFINED               1314
  ATLANTIC RICHFIELD              DEFINED                                         200
  ATLANTIC RICHFIELD              OTHER                 28890
  ATLANTIC RICHFIELD              OTHER                                           4640
  AUTOMATIC DATA PROCESSING       SOLE                  343020
  AUTOMATIC DATA PROCESSING       SOLE                                            83692
  AUTOMATIC DATA PROCESSING       DEFINED               20001
  AUTOMATIC DATA PROCESSING       DEFINED                                         1200
  AUTOMATIC DATA PROCESSING       OTHER                 83584
  AUTOMATIC DATA PROCESSING       OTHER                              2000
  AUTOMATIC DATA PROCESSING       OTHER                                           52842
  AVERY DENNISON                  SOLE                  10850
  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                  211445
  BP AMOCO PLC                    SOLE                                            13479
  BP AMOCO PLC                    DEFINED               10459
  BP AMOCO PLC                    DEFINED                                         397
  BP AMOCO PLC                    OTHER                 50187
  BP AMOCO PLC                    OTHER                                           7010
  BP AMOCO PLC                    DEF/OTH               100
  BSB BANCORP                     SOLE                  2049
  BSB BANCORP                     SOLE                                            24320
  BAKER FENTRESS                  SOLE                  46173
  BAKER FENTRESS                  OTHER                 106422
  BAKER HUGHES                    SOLE                  300
  BAKER HUGHES                    SOLE                                            9450
  BANK AMER                       SOLE                  182396
  BANK AMER                       SOLE                                            10957
  BANK AMER                       OTHER                 31592
  BANK AMER                       OTHER                              427
  BANK AMER                       OTHER                                           7150
  BANK OF NY                      SOLE                  744200
  BANK OF NY                      SOLE                                            32216
  BANK OF NY                      DEFINED                                         2000
  BANK OF NY                      OTHER                 57916
  BANK OF NY                      OTHER                                           12200
  BANK ONE                        SOLE                  80913
  BANK ONE                        SOLE                                            6900
  BANK ONE                        DEFINED               1005
  BANK ONE                        OTHER                 4022
  BANK ONE                        OTHER                                           1331
  BARD C R                        SOLE                  2060
  BARD C R                        SOLE                                            600
  BARD C R                        DEFINED               700
  BARD C R                        OTHER                 1300
  BAXTER INTL                     SOLE                  67053
  BAXTER INTL                     SOLE                                            650
  BAXTER INTL                     DEFINED               400
  BAXTER INTL                     OTHER                 1500
  BEAR STEARNS                    SOLE                  6566
  BEAR STEARNS                    OTHER                 905
  BECTON DICKINSON & CO           SOLE                  162035
  BECTON DICKINSON & CO           SOLE                                            20200
  BECTON DICKINSON & CO           OTHER                 4000
  BECTON DICKINSON & CO           OTHER                                           6400
  BED BATH & BEYOND               SOLE                  57000
  BELL ATLANTIC                   SOLE                  275022
  BELL ATLANTIC                   SOLE                                            43077
  BELL ATLANTIC                   DEFINED               16978
  BELL ATLANTIC                   DEFINED                                         2174
  BELL ATLANTIC                   OTHER                 152174
  BELL ATLANTIC                   OTHER                                           21996
  BELLSOUTH                       SOLE                  697758
  BELLSOUTH                       SOLE                                            49838
  BELLSOUTH                       DEFINED               23020
  BELLSOUTH                       DEFINED                                         1832
  BELLSOUTH                       OTHER                 189466
  BELLSOUTH                       OTHER                              2200
  BELLSOUTH                       OTHER                                           30742
  BELLSOUTH                       DEF/OTH               400
  BERKSHIRE                       SOLE                  2
  BERKSHIRE                       SOLE                                            6
  BERKSHIRE                       DEFINED                                         1
  BERKSHIRE                       SOLE                  1070
  BERKSHIRE                       SOLE                                            619
  BERKSHIRE                       DEFINED               5
  BERKSHIRE                       OTHER                 748
  BERKSHIRE                       OTHER                                           375
  BESTFOODS                       SOLE                  345294
  BESTFOODS                       SOLE                                            24410
  BESTFOODS                       DEFINED               11616
  BESTFOODS                       DEFINED                                         600
  BESTFOODS                       OTHER                 33115
  BESTFOODS                       OTHER                              1600
  BESTFOODS                       OTHER                                           9628
  BESTFOODS                       DEF/OTH               100
  BIOGEN                          SOLE                  2150
  BIOGEN                          SOLE                                            7700
  BLACK BOX CORP DEL              SOLE                  4750
  H & R BLOCK                     SOLE                  12000
  BLUE CHIP VALUE FD              SOLE                  16450
  BOEING                          SOLE                  16714
  BOEING                          SOLE                                            700
  BOEING                          OTHER                 33874
  BOEING                          OTHER                                           674
  BOSTON SCIENTIFIC               SOLE                  9100
  BOSTON SCIENTIFIC               DEFINED               2800
  BRISTOL MYERS SQUIBB            SOLE                  624815
  BRISTOL MYERS SQUIBB            SOLE                                            46196
  BRISTOL MYERS SQUIBB            DEFINED               17400
  BRISTOL MYERS SQUIBB            DEFINED                                         4800
  BRISTOL MYERS SQUIBB            OTHER                 211175
  BRISTOL MYERS SQUIBB            OTHER                                           26200
  BURLINGTON NORTHERN SANTA FE    SOLE                  288828
  BURLINGTON NORTHERN SANTA FE    SOLE                                            2475
  BURLINGTON NORTHERN SANTA FE    DEFINED                                         1500
  BURLINGTON NORTHERN SANTA FE    OTHER                 9000
  BURLINGTON NORTHERN SANTA FE    OTHER                              1140
  BURLINGTON RESOURCES            SOLE                  6915
  BURLINGTON RESOURCES            SOLE                                            435
  BURLINGTON RESOURCES            DEFINED               1525
  BURLINGTON RESOURCES            OTHER                 524
  BURLINGTON RESOURCES            OTHER                              200
  BURLINGTON RESOURCES            OTHER                                           1500
  CBS                             SOLE                  7141
  CBS                             SOLE                                            460
  CBS                             DEFINED               930
  CBS                             OTHER                 1144
  C-CUBE MICROSYSTEMS             SOLE                  5700
  CIGNA                           SOLE                  21865
  CIGNA                           SOLE                                            1500
  CIGNA                           DEFINED                                         2000
  CIGNA                           OTHER                 6400
  CIGNA                           OTHER                                           1500
  CNF TRANSPORTATION              SOLE                  10000
  CSX                             SOLE                  63027
  CSX                             SOLE                                            2520
  CSX                             DEFINED               1800
  CSX                             OTHER                 6200
  CVS                             SOLE                  10200
  CVS                             SOLE                                            5400
  CVS                             OTHER                 200
  CVS                             OTHER                              1000
  CVS                             OTHER                                           2400
  CAMPBELL SOUP                   SOLE                  25800
  CAMPBELL SOUP                   SOLE                                            200
  CAMPBELL SOUP                   OTHER                 14900
  CAMPBELL SOUP                   OTHER                              2000
  CAMPBELL SOUP                   OTHER                                           4800
  CARDINAL HEALTH                 SOLE                  19086
  CARNIVAL                        SOLE                  183980
  CARNIVAL                        SOLE                                            20050
  CARNIVAL                        DEFINED               1600
  CARNIVAL                        DEFINED                                         1200
  CARNIVAL                        OTHER                 2850
  CARNIVAL                        OTHER                                           900
  CAROLINA PWR & LT               SOLE                  6280
  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                  25025
  CENDANT                         SOLE                                            1500
  CENTRAL & SOUTHWEST             SOLE                  2200
  CENTRAL & SOUTHWEST             SOLE                                            2033
  CENTRAL & SOUTHWEST             DEFINED               2000
  CENTRAL & SOUTHWEST             OTHER                 4200
  CENTURYTEL                      SOLE                  3880
  CENTURYTEL                      SOLE                                            10125
  CHASE MANHATTAN                 SOLE                  168526
  CHASE MANHATTAN                 SOLE                                            10740
  CHASE MANHATTAN                 DEFINED               3600
  CHASE MANHATTAN                 DEFINED                                         500
  CHASE MANHATTAN                 OTHER                 5082
  CHASE MANHATTAN                 OTHER                                           2000
  CHEVRON                         SOLE                  60469
  CHEVRON                         SOLE                                            13104
  CHEVRON                         DEFINED               4940
  CHEVRON                         OTHER                 14680
  CHEVRON                         OTHER                                           125
  CHIRON                          SOLE                  28400
  CHIRON                          SOLE                                            15200
  CHIRON                          OTHER                 5000
  CHUBB                           SOLE                  10950
  CHUBB                           SOLE                                            200
  CHUBB                           OTHER                 11332
  CHUBB                           OTHER                                           10925
  CINCINNATI BELL                 SOLE                  2600
  CINCINNATI BELL                 OTHER                 10400
  CINCINNATI BELL                 OTHER                                           2600
  CIRCUIT CITY                    SOLE                  11200
  CIRCUIT CITY                    OTHER                 1000
  CISCO SYSTEMS                   SOLE                  554354
  CISCO SYSTEMS                   SOLE                                            46708
  CISCO SYSTEMS                   DEFINED               17499
  CISCO SYSTEMS                   DEFINED                                         1800
  CISCO SYSTEMS                   OTHER                 69982
  CISCO SYSTEMS                   OTHER                              3000
  CISCO SYSTEMS                   OTHER                                           3964
  CINTAS                          SOLE                  2660
  CINTAS                          SOLE                                            4200
  CINTAS                          OTHER                 600
  CITIGROUP                       SOLE                  398126
  CITIGROUP                       SOLE                                            25264
  CITIGROUP                       DEFINED               20362
  CITIGROUP                       DEFINED                                         262
  CITIGROUP                       OTHER                 32676
  CITIGROUP                       OTHER                              900
  CITIGROUP                       OTHER                                           1875
  CLOROX                          SOLE                  2298
  CLOROX                          SOLE                                            9000
  CLOROX                          OTHER                 8400
  COCA COLA                       SOLE                  179373
  COCA COLA                       SOLE                                            51534
  COCA COLA                       DEFINED               4290
  COCA COLA                       DEFINED                                         2000
  COCA COLA                       OTHER                 151540
  COCA COLA                       OTHER                                           49166
  COLGATE PALMOLIVE               SOLE                  346190
  COLGATE PALMOLIVE               SOLE                                            13160
  COLGATE PALMOLIVE               DEFINED                                         800
  COLGATE PALMOLIVE               OTHER                 37310
  COLUMBIA ENERGY GROUP           OTHER                 15750
  COLUMBIA ENERGY GROUP           OTHER                                           4500
  COMDISCO INC                    SOLE                  51875
  COMERICA                        SOLE                  3975
  COMERICA                        OTHER                 5620
  COMPAQ COMPUTER                 SOLE                  173234
  COMPAQ COMPUTER                 SOLE                                            5550
  COMPAQ COMPUTER                 DEFINED               1200
  COMPAQ COMPUTER                 DEFINED                                         800
  COMPAQ COMPUTER                 OTHER                 29090
  COMPAQ COMPUTER                 OTHER                                           600
  COMPUTER ASSOCIATES             SOLE                  23187
  COMPUTER ASSOCIATES             SOLE                                            18049
  COMPUTER ASSOCIATES             DEFINED               2518
  COMPUTER ASSOCIATES             DEFINED                                         200
  COMPUTER ASSOCIATES             OTHER                 9444
  COMPUTER ASSOCIATES             OTHER                                           3175
  COMPUWARE                       SOLE                  69200
  COMPUWARE                       SOLE                                            23000
  CONAGRA                         SOLE                  5850
  CONAGRA                         DEFINED                                         226
  CONAGRA                         OTHER                 27000
  CONECTIV                        SOLE                  10678
  CONECTIV                        OTHER                 1650
  CONECTIV                        OTHER                                           300
  CONEXANT                        SOLE                  2288
  CONEXANT                        SOLE                                            1800
  CONEXANT                        DEFINED               600
  CONEXANT                        OTHER                 900
  CONEXANT                        OTHER                                           2350
  CONEXANT                        DEF/OTH               758
  CONOCO                          SOLE                  103147
  CONOCO                          SOLE                                            18785
  CONOCO                          DEFINED               2482
  CONOCO                          OTHER                 9132
  CONOCO                          OTHER                                           696
  CONSECO                         SOLE                  6921
  CONSECO                         SOLE                                            288
  CONSECO                         DEFINED               1894
  CONSECO                         OTHER                 5400
  CONSOLIDATED EDISON             SOLE                  29623
  CONSOLIDATED EDISON             SOLE                                            5450
  CONSOLIDATED EDISON             DEFINED               2075
  CONSOLIDATED EDISON             OTHER                 1530
  CONSOLIDATED EDISON             OTHER                                           2296
  CONSOLIDATED NATURAL GAS        SOLE                  147213
  CONSOLIDATED NATURAL GAS        SOLE                                            5450
  CONSOLIDATED NATURAL GAS        DEFINED               2200
  CONSOLIDATED NATURAL GAS        OTHER                 10504
  CONSOLIDATED NATURAL GAS        OTHER                                           1648
  CONSOLIDATED TOMOKA LD          SOLE                  5915
  CONSOLIDATED TOMOKA LD          OTHER                 13634
  CONSTELLATION ENERGY GROUP      SOLE                  8822
  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                  13516
  COOPER IND                      SOLE                  3136
  COOPER IND                      OTHER                                           1532
  CORNING                         SOLE                  39953
  CORNING                         SOLE                                            16100
  CORNING                         DEFINED               2700
  CORNING                         OTHER                 17765
  CORNING                         OTHER                                           500
  COSTCO WHSL NEW                 SOLE                  3276
  COX COMMUNICATIONS NEW CLASS A  SOLE                                            11436
  CRIIMI MAE                      SOLE                  10000
  CRITICAL PATH                   SOLE                  5000
  DALLAS SEMICONDUCTOR            SOLE                  13000
  DANA                            SOLE                  60800
  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                                            1100
  DARDEN RESTAURANTS              OTHER                 10912
  DAYTON HUDSON                   SOLE                  7850
  DAYTON HUDSON                   SOLE                                            3300
  DAYTON HUDSON                   OTHER                 22000
  DAYTON HUDSON                   OTHER                                           4200
  DEERE                           SOLE                  149937
  DEERE                           SOLE                                            1600
  DEERE                           OTHER                 7800
  DEERE                           OTHER                                           8400
  DELL COMPUTER                   SOLE                  704113
  DELL COMPUTER                   SOLE                                            84620
  DELL COMPUTER                   DEFINED               78522
  DELL COMPUTER                   DEFINED                                         1700
  DELL COMPUTER                   OTHER                 35415
  DELL COMPUTER                   OTHER                              2800
  DELL COMPUTER                   OTHER                                           18541
  DELPHI AUTOMOTIVE SYS           SOLE                  11135
  DELPHI AUTOMOTIVE SYS           SOLE                                            558
  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
  DIAMETRICS MED                  SOLE                  5000
  DIAMETRICS MED                  OTHER                 20000
  DISNEY WALT                     SOLE                  482501
  DISNEY WALT                     SOLE                                            97826
  DISNEY WALT                     DEFINED               10815
  DISNEY WALT                     DEFINED                                         2400
  DISNEY WALT                     OTHER                 95911
  DISNEY WALT                     OTHER                                           29428
  DISNEY WALT                     DEF/OTH               150
  DOMINION RESOURCES              SOLE                  6981
  DOMINION RESOURCES              DEFINED               450
  DOMINION RESOURCES              OTHER                 825
  DOVER                           SOLE                  2090
  DOVER                           SOLE                                            9200
  DOVER                           DEFINED               2000
  DOVER                           OTHER                 3520
  DOW CHEMICAL                    SOLE                  15449
  DOW CHEMICAL                    SOLE                                            5057
  DOW CHEMICAL                    DEFINED               625
  DOW CHEMICAL                    OTHER                 9812
  DOW CHEMICAL                    OTHER                                           10100
  DU PONT E I DE NEMOURS          SOLE                  362796
  DU PONT E I DE NEMOURS          SOLE                                            22303
  DU PONT E I DE NEMOURS          DEFINED               6009
  DU PONT E I DE NEMOURS          DEFINED                                         1550
  DU PONT E I DE NEMOURS          OTHER                 75380
  DU PONT E I DE NEMOURS          OTHER                                           30356
  DU PONT E I DE NEMOURS          DEF/OTH               300
  DUKE ENERGY                     SOLE                  20309
  DUKE ENERGY                     SOLE                                            8397
  DUKE ENERGY                     DEFINED               600
  DUKE ENERGY                     DEFINED                                         850
  DUKE ENERGY                     OTHER                 4900
  DUKE ENERGY                     OTHER                                           750
  DUKE RLTY INVTS                 SOLE                  610
  DUKE RLTY INVTS                 SOLE                                            10000
  DUN & BRADSTREET                SOLE                  25953
  DUN & BRADSTREET                OTHER                 860
  DUN & BRADSTREET                OTHER                                           2680
  EMC                             SOLE                  250560
  EMC                             SOLE                                            21475
  EMC                             DEFINED               1670
  EMC                             OTHER                 4070
  EMC                             OTHER                              1200
  EMC                             OTHER                                           675
  E'TOWN                          SOLE                  3950
  E'TOWN                          SOLE                                            582
  E'TOWN                          OTHER                 1129
  E'TOWN                          OTHER                                           600
  EASTMAN KODAK                   SOLE                  10472
  EASTMAN KODAK                   SOLE                                            2776
  EASTMAN KODAK                   OTHER                 3913
  EASTMAN KODAK                   OTHER                                           907
  EDINBERG                        OTHER                                           82
  EDISON INTERNATIONAL            SOLE                  7325
  EDISON INTERNATIONAL            SOLE                                            1030
  EDISON INTERNATIONAL            OTHER                 600
  EDISON INTERNATIONAL            OTHER                                           800
  EL PASO ENERGY                  SOLE                  30000
  EL PASO ENERGY DEL              SOLE                  33010
  EL PASO ENERGY DEL              OTHER                 1948
  ELAN PLC                        SOLE                  31110
  ELAN PLC                        OTHER                 5400
  ELECTRONIC ARTS                 SOLE                  5500
  ELECTRONIC ARTS                 SOLE                                            550
  ELECTRONIC DATA SYSTEMS         SOLE                  246243
  ELECTRONIC DATA SYSTEMS         SOLE                                            27925
  ELECTRONIC DATA SYSTEMS         DEFINED               11296
  ELECTRONIC DATA SYSTEMS         DEFINED                                         1200
  ELECTRONIC DATA SYSTEMS         OTHER                 24936
  ELECTRONIC DATA SYSTEMS         OTHER                              1400
  ELECTRONIC DATA SYSTEMS         OTHER                                           5310
  EMERSON ELECTRIC                SOLE                  209412
  EMERSON ELECTRIC                SOLE                                            11498
  EMERSON ELECTRIC                DEFINED               600
  EMERSON ELECTRIC                DEFINED                                         200
  EMERSON ELECTRIC                OTHER                 24165
  EMERSON ELECTRIC                OTHER                                           20000
  ENERGY EAST                     SOLE                  2030
  ENERGY EAST                     SOLE                                            24290
  ENGELHARD                       SOLE                  29987
  ENGELHARD                       SOLE                                            1350
  ENGELHARD                       DEFINED               3900
  ENGELHARD                       OTHER                 15100
  ENGELHARD                       OTHER                                           12400
  ENRON                           SOLE                  861948
  ENRON                           SOLE                                            62675
  ENRON                           DEFINED               14140
  ENRON                           DEFINED                                         1800
  ENRON                           OTHER                 59434
  ENRON                           OTHER                                           6684
  ENRON                           DEF/OTH               300
  EQUIFAX                         SOLE                  24008
  EQUITY INCOME FUND              SOLE                  3517
  EQUITY INCOME FUND              DEFINED               534
  EQUITY INCOME FUND              DEFINED                                         100
  EQUITY INCOME FUND              OTHER                 4400
  ERICSSON                        SOLE                  42520
  ERICSSON                        SOLE                                            7410
  ERICSSON                        DEFINED               4000
  ERICSSON                        OTHER                 1900
  ERICSSON                        OTHER                                           8500
  EXODUS COMMUNICATIONS           SOLE                  4000
  EXXON                           SOLE                  601711
  EXXON                           SOLE                                            58042
  EXXON                           DEFINED               24876
  EXXON                           DEFINED                                         5700
  EXXON                           OTHER                 264188
  EXXON                           OTHER                              1976
  EXXON                           OTHER                                           52085
  FPL                             SOLE                  124492
  FPL                             SOLE                                            6550
  FPL                             DEFINED               600
  FPL                             DEFINED                                         100
  FPL                             OTHER                 8240
  FPL                             OTHER                                           700
  FANNIE MAE                      SOLE                  256657
  FANNIE MAE                      SOLE                                            25950
  FANNIE MAE                      DEFINED                                         500
  FANNIE MAE                      OTHER                 15325
  FANNIE MAE                      OTHER                                           2300
  FEDERATED DEPT STORES DEL       SOLE                  6340
  FEDERATED INDEX TR              SOLE                  6873
  FEDERATED INDEX TR              OTHER                 3476
  FIDELITY                        SOLE                  6219
  FIDELITY                        OTHER                                           22354
  FIDELITY EQUITY - INCOME FUND   SOLE                  847
  FIDELITY EQUITY - INCOME FUND   SOLE                                            2053
  FIDELITY EQUITY - INCOME FUND   OTHER                 4080
  FIRST DATA                      SOLE                  6497
  FIRST DATA                      SOLE                                            500
  FIRST DATA                      OTHER                 4000
  FIRST SEC DEL                   OTHER                 10800
  FIRST SEC DEL                   OTHER                                           11250
  FIRST UNION                     SOLE                  228153
  FIRST UNION                     SOLE                                            13511
  FIRST UNION                     DEFINED               8588
  FIRST UNION                     DEFINED                                         240
  FIRST UNION                     OTHER                 66871
  FIRST UNION                     OTHER                              2043
  FIRST UNION                     OTHER                                           19470
  FIRST UNION                     DEF/OTH               421
  FIRST UNION                     SOLE                  300000
  FIRST VIRGINIA BANKS            SOLE                  3600
  FIRST VIRGINIA BANKS            OTHER                 1125
  FLEET FINL GROUP                SOLE                  11425
  FLEET FINL GROUP                OTHER                 9240
  FLEET FINL GROUP                OTHER                                           7200
  FLEMINGTON FUR                  SOLE                  95734
  FLEMINGTON FUR                  SOLE                  71914
  FLORIDA                         SOLE                  9900
  FLORIDA                         DEFINED               150
  FLORIDA                         OTHER                 4800
  FLORIDA                         OTHER                                           450
  FLUOR                           SOLE                  7200
  FLUOR                           OTHER                 80
  FORD MOTOR DEL                  SOLE                  51009
  FORD MOTOR DEL                  SOLE                                            3600
  FORD MOTOR DEL                  DEFINED                                         1000
  FORD MOTOR DEL                  OTHER                 4070
  FORD MOTOR DEL                  OTHER                                           200
  FORTUNE BRANDS                  SOLE                  18500
  FORTUNE BRANDS                  SOLE                                            400
  FORTUNE BRANDS                  DEFINED               800
  FORTUNE BRANDS                  OTHER                 7448
  FRANKLIN INTERNATIONAL          OTHER                                           4316
  FRANKLIN RESOURCES              SOLE                  54160
  FRANKLIN RESOURCES              SOLE                                            2450
  FRANKLIN RESOURCES              DEFINED               1500
  FRANKLIN RESOURCES              OTHER                 15246
  FRANKLIN RESOURCES              OTHER                                           770
  FULTON FINL PA                  SOLE                  55150
  GPU                             SOLE                  10435
  GPU                             SOLE                                            7280
  GPU                             DEFINED               488
  GPU                             DEFINED                                         750
  GPU                             OTHER                 32488
  GPU                             OTHER                                           1350
  GTE                             SOLE                  132485
  GTE                             SOLE                                            10467
  GTE                             DEFINED               4300
  GTE                             OTHER                 54611
  GTE                             OTHER                                           2550
  GALLAHER GROUP                  SOLE                  14750
  GALLAHER GROUP                  OTHER                 3878
  GANNETT                         SOLE                  165606
  GANNETT                         SOLE                                            11150
  GANNETT                         DEFINED               1600
  GANNETT                         OTHER                 10700
  GANNETT                         OTHER                                           400
  GAP STORES                      SOLE                  200707
  GAP STORES                      SOLE                                            15675
  GAP STORES                      DEFINED               1612
  GAP STORES                      OTHER                 1500
  GENERAL ELECTRIC                SOLE                  960839
  GENERAL ELECTRIC                SOLE                                            176924
  GENERAL ELECTRIC                DEFINED               31542
  GENERAL ELECTRIC                DEFINED                                         13050
  GENERAL ELECTRIC                OTHER                 300126
  GENERAL ELECTRIC                OTHER                              2800
  GENERAL ELECTRIC                OTHER                                           143742
  GENERAL ELECTRIC                DEF/OTH               300
  GENERAL MILLS                   SOLE                  9150
  GENERAL MILLS                   SOLE                                            716
  GENERAL MILLS                   DEFINED               1384
  GENERAL MILLS                   OTHER                 16570
  GENERAL MILLS                   OTHER                                           2464
  GENERAL MOTORS                  SOLE                  18064
  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                   OTHER                 9875
  GEORGIA PACIFIC                 SOLE                  10480
  GEORGIA PACIFIC                 DEFINED                                         800
  GEORGIA PACIFIC                 OTHER                 4300
  GEORGIA PACIFIC                 OTHER                                           3200
  GILLETTE                        SOLE                  184536
  GILLETTE                        SOLE                                            55493
  GILLETTE                        DEFINED               14629
  GILLETTE                        DEFINED                                         1500
  GILLETTE                        OTHER                 41563
  GILLETTE                        OTHER                              2000
  GILLETTE                        OTHER                                           8485
  GLAXO                           SOLE                  239178
  GLAXO                           SOLE                                            3749
  GLAXO                           OTHER                 12410
  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                  80540
  HARLEY DAVIDSON                 SOLE                                            8000
  HARLEY DAVIDSON                 OTHER                 1200
  HARSCO                          SOLE                  8496
  HARTFORD FINANCIAL SERVICES     SOLE                  19020
  HARTFORD FINANCIAL SERVICES     DEFINED               1508
  HARTFORD FINANCIAL SERVICES     OTHER                 8480
  HARTFORD FINANCIAL SERVICES     OTHER                                           1000
  THE HARVILL PRESS LIMITED       OTHER                 18625
  HEINEKEN NV ADR                 SOLE                                            6500
  HEINZ H J                       SOLE                  22145
  HEINZ H J                       SOLE                                            3450
  HEINZ H J                       DEFINED               1450
  HEINZ H J                       DEFINED                                         300
  HEINZ H J                       OTHER                 13415
  HEINZ H J                       OTHER                                           2350
  HELIX TECHNOLOGY                OTHER                 7800
  HELIX TECHNOLOGY                OTHER                                           7200
  HERCULES                        SOLE                  14629
  HERCULES                        OTHER                 1900
  HERSHEY FOODS                   SOLE                  14887
  HERSHEY FOODS                   SOLE                                            1725
  HERSHEY FOODS                   DEFINED               600
  HERSHEY FOODS                   OTHER                 4300
  HERSHEY FOODS                   OTHER                                           3000
  HEWLETT PACKARD                 SOLE                  252815
  HEWLETT PACKARD                 SOLE                                            16335
  HEWLETT PACKARD                 DEFINED               1885
  HEWLETT PACKARD                 DEFINED                                         1500
  HEWLETT PACKARD                 OTHER                 45882
  HEWLETT PACKARD                 OTHER                                           3950
  HEWLETT PACKARD                 DEF/OTH               200
  HIGHWOODS PPTYS                 OTHER                 7900
  HOLLINGER INTERNATIONAL         SOLE                  60000
  HOME DEPOT                      SOLE                  329606
  HOME DEPOT                      SOLE                                            52419
  HOME DEPOT                      DEFINED               17930
  HOME DEPOT                      DEFINED                                         1650
  HOME DEPOT                      OTHER                 60676
  HOME DEPOT                      OTHER                              1500
  HOME DEPOT                      OTHER                                           7278
  HONEYWELL                       SOLE                  45065
  HONEYWELL                       SOLE                                            4500
  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
  HOST MARRIOTT (REIT)            OTHER                 12609
  HOUSEHOLD INTERNATIONAL         SOLE                  71137
  HOUSEHOLD INTERNATIONAL         SOLE                                            797
  HOUSEHOLD INTERNATIONAL         OTHER                 6323
  HUDSON UTD BANCORP              SOLE                  3386
  HUDSON UTD BANCORP              OTHER                                           3297
  ICN PHARMACEUTCL                SOLE                  11500
  ICN PHARMACEUTCL                OTHER                 300
  ICN PHARMACEUTCL                OTHER                                           200
  IMS HEALTH                      SOLE                  33842
  IMS HEALTH                      SOLE                                            8000
  IMS HEALTH                      DEFINED               2400
  IMS HEALTH                      OTHER                 1500
  IMS HEALTH                      OTHER                                           5360
  ILLINOIS TOOL WORKS             SOLE                  37195
  ILLINOIS TOOL WORKS             SOLE                                            9500
  ILLINOIS TOOL WORKS             OTHER                 16500
  ILLINOIS TOOL WORKS             OTHER                                           29400
  INFORMIX                        SOLE                  13000
  INFORMIX                        DEFINED               1000
  INGERSOLL RAND                  SOLE                  65018
  INGERSOLL RAND                  SOLE                                            187
  INGERSOLL RAND                  OTHER                 2100
  INGERSOLL RAND                  SOLE                  35000
  INTEL                           SOLE                  642891
  INTEL                           SOLE                                            81758
  INTEL                           DEFINED               12477
  INTEL                           DEFINED                                         1600
  INTEL                           OTHER                 97668
  INTEL                           OTHER                              1200
  INTEL                           OTHER                                           32116
  INTL BUSINESS MACHINES          SOLE                  215139
  INTL BUSINESS MACHINES          SOLE                                            232375
  INTL BUSINESS MACHINES          DEFINED               1600
  INTL BUSINESS MACHINES          DEFINED                                         9260
  INTL BUSINESS MACHINES          OTHER                 50577
  INTL BUSINESS MACHINES          OTHER                                           14520
  INTL FLAVORS & FRAGRANCES       SOLE                  1500
  INTL FLAVORS & FRAGRANCES       SOLE                                            4500
  INTL FLAVORS & FRAGRANCES       DEFINED               2500
  INTL FLAVORS & FRAGRANCES       OTHER                 1000
  INTERNATIONAL PAPER             SOLE                  11590
  INTERNATIONAL PAPER             OTHER                 4774
  INTERPUBLIC GROUP               SOLE                  178500
  INTERPUBLIC GROUP               SOLE                                            3600
  JANUS                           SOLE                  91389
  JOHNSON & JOHNSON               SOLE                  358179
  JOHNSON & JOHNSON               SOLE                                            50705
  JOHNSON & JOHNSON               DEFINED               12866
  JOHNSON & JOHNSON               DEFINED                                         1000
  JOHNSON & JOHNSON               OTHER                 194910
  JOHNSON & JOHNSON               OTHER                              400
  JOHNSON & JOHNSON               OTHER                                           46097
  KELLOGG                         SOLE                  3600
  KELLOGG                         SOLE                                            400
  KELLOGG                         OTHER                 1700
  KELLOGG                         OTHER                                           128000
  KEMPER MUN BD FD SH BEN INT     SOLE                  18300
  KEMPER GOVT SECS TR             SOLE                  10000
  KEYCORP                         SOLE                  8882
  KEYCORP                         OTHER                 3820
  KEYSPAN                         SOLE                  4188
  KEYSPAN                         SOLE                                            5756
  KEYSPAN                         DEFINED               1000
  KEYSPAN                         OTHER                 1728
  KIMBERLY CLARK                  SOLE                  228197
  KIMBERLY CLARK                  SOLE                                            9845
  KIMBERLY CLARK                  DEFINED               3056
  KIMBERLY CLARK                  OTHER                 15450
  KIMBERLY CLARK                  OTHER                                           400
  KIMBERLY CLARK                  DEF/OTH               100
  KIMCO REALTY                    SOLE                  1000
  KIMCO REALTY                    SOLE                                            7300
  KONINKLIJKE PHILLIPS ELECTRONICSSOLE                  11987
  KONINKLIJKE PHILLIPS ELECTRONICSOTHER                 1748
  ESTEE LAUDER AUTO EXCH SEC TR IISOLE                  17000
  ESTEE LAUDER COMPANIES-CL A     SOLE                  172325
  ESTEE LAUDER COMPANIES-CL A     SOLE                                            10800
  ESTEE LAUDER COMPANIES-CL A     OTHER                 1400
  LEHMAN BROS                     SOLE                  1982
  LEHMAN BROS                     OTHER                 9827
  LEHMAN BROS                     OTHER                                           399
  LEVITZ FURNITURE                SOLE                  20000
  LIBERTY PPTY TR                 SOLE                  6900
  LIBERTY PPTY TR                 DEFINED                                         500
  LIBERTY PPTY TR                 OTHER                 6335
  LILLY ELI                       SOLE                  16561
  LILLY ELI                       SOLE                                            1000
  LILLY ELI                       OTHER                 7024
  LILLY ELI                       OTHER                                           2300
  LIMITED                         SOLE                  138800
  LIMITED                         SOLE                                            500
  LIMITED                         OTHER                 3550
  LINCOLN NATL                    SOLE                  70000
  LINEAR TECHNOLOGY               SOLE                  4650
  LOCH HARRIS                     SOLE                  50000
  LOCKHEED MARTIN                 SOLE                  194838
  LOCKHEED MARTIN                 SOLE                                            6800
  LOCKHEED MARTIN                 OTHER                 800
  LOEWS                           SOLE                  3700
  LOEWS                           OTHER                 1200
  LUCENT TECHNOLOGIES             SOLE                  839640
  LUCENT TECHNOLOGIES             SOLE                                            97905
  LUCENT TECHNOLOGIES             DEFINED               21648
  LUCENT TECHNOLOGIES             DEFINED                                         4514
  LUCENT TECHNOLOGIES             OTHER                 119304
  LUCENT TECHNOLOGIES             OTHER                              1300
  LUCENT TECHNOLOGIES             OTHER                                           17398
  LUCENT TECHNOLOGIES             DEF/OTH               400
  MBIA                            SOLE                  2475
  MBIA                            SOLE                                            2000
  MBIA                            OTHER                 500
  MBNA                            SOLE                  239050
  MBNA                            SOLE                                            38901
  MBNA                            DEFINED               12638
  MBNA                            OTHER                 14170
  MBNA                            OTHER                                           3600
  MCI CAPITAL I                   SOLE                  7950
  MCI CAPITAL I                   SOLE                                            500
  MCI CAPITAL I                   DEFINED               900
  MCI CAPITAL I                   DEFINED                                         900
  MCI CAPITAL I                   OTHER                 4200
  MCI WORLDCOM                    SOLE                  433608
  MCI WORLDCOM                    SOLE                                            35620
  MCI WORLDCOM                    DEFINED               11789
  MCI WORLDCOM                    DEFINED                                         900
  MCI WORLDCOM                    OTHER                 50186
  MCI WORLDCOM                    OTHER                              2000
  MCI WORLDCOM                    OTHER                                           2791
  MCI WORLDCOM                    DEF/OTH               100
  MFS INTER INCOME TR             SOLE                  10643
  MACK-CALI REALTY                SOLE                  1000
  MACK-CALI REALTY                DEFINED                                         500
  MACK-CALI REALTY                OTHER                 4400
  MACK-CALI REALTY                OTHER                                           1900
  MARSH & MCLENNAN                SOLE                  58245
  MARSH & MCLENNAN                OTHER                 900
  MARRIOTT INTERNATIONAL          SOLE                  5400
  MARRIOTT INTERNATIONAL          OTHER                 15500
  MASCO                           SOLE                  4966
  MASCO                           SOLE                                            2200
  MASCO                           OTHER                 1600
  MASCO                           OTHER                                           800
  MATTEL                          SOLE                  363675
  MATTEL                          SOLE                                            22600
  MATTEL                          DEFINED               2700
  MATTEL                          DEFINED                                         300
  MATTEL                          OTHER                 7687
  MAY DEPT STORES                 SOLE                  30195
  MAY DEPT STORES                 SOLE                                            1700
  MAY DEPT STORES                 DEFINED               1500
  MAY DEPT STORES                 DEFINED                                         750
  MAY DEPT STORES                 OTHER                 14554
  MAY DEPT STORES                 OTHER                                           26322
  MCDONALDS                       SOLE                  52118
  MCDONALDS                       SOLE                                            22200
  MCDONALDS                       OTHER                 5760
  MCDONALDS                       OTHER                                           6400
  MCGRAW HILL                     SOLE                  80510
  MCGRAW HILL                     OTHER                 8100
  MCGRAW HILL                     OTHER                                           6400
  MCKESSON HBOC                   SOLE                  7800
  MCKESSON HBOC                   SOLE                                            243577
  MCKESSON HBOC                   OTHER                                           1000
  MEDAREX                         SOLE                  15000
  MEDIAONE GROUP                  SOLE                  15369
  MEDIAONE GROUP                  SOLE                                            582
  MEDIAONE GROUP                  DEFINED               36
  MEDIAONE GROUP                  OTHER                 7013
  MEDIAONE GROUP                  OTHER                                           292
  MEDTRONICS                      SOLE                  3834
  MEDTRONICS                      SOLE                                            8000
  MEDTRONICS                      DEFINED               1000
  MEDTRONICS                      OTHER                 6800
  MELLON BANK                     SOLE                  79824
  MELLON BANK                     SOLE                                            5800
  MELLON BANK                     OTHER                 43000
  MERCK                           SOLE                  842704
  MERCK                           SOLE                                            260770
  MERCK                           DEFINED               22650
  MERCK                           DEFINED                                         2676
  MERCK                           OTHER                 212533
  MERCK                           OTHER                              264480
  MERCK                           OTHER                                           95620
  MERCK                           DEF/OTH               300
  MERRILL LYNCH                   SOLE                  12040
  MERRILL LYNCH                   SOLE                                            400
  MERRILL LYNCH                   OTHER                 3170
  MICHIGAN ST HIGHER ED STUDENT   SOLE                  950000
  MICROSOFT                       SOLE                  645833
  MICROSOFT                       SOLE                                            90750
  MICROSOFT                       DEFINED               16023
  MICROSOFT                       DEFINED                                         2800
  MICROSOFT                       OTHER                 101272
  MICROSOFT                       OTHER                              1620
  MICROSOFT                       OTHER                                           48342
  MICRON TECHNOLOGY               SOLE                  3200
  MINNESOTA MNG & MFG             SOLE                  111957
  MINNESOTA MNG & MFG             SOLE                                            12232
  MINNESOTA MNG & MFG             DEFINED               2300
  MINNESOTA MNG & MFG             OTHER                 22370
  MINNESOTA MNG & MFG             OTHER                                           3600
  MOBIL                           SOLE                  268399
  MOBIL                           SOLE                                            28948
  MOBIL                           DEFINED               7200
  MOBIL                           DEFINED                                         2500
  MOBIL                           OTHER                 36740
  MOBIL                           OTHER                              1940
  MOBIL                           OTHER                                           22840
  MOBIL                           DEF/OTH               410
  MOLEX                           SOLE                  2256
  MOLEX                           DEFINED               1707
  MOLEX                           OTHER                 2382
  MONSANTO                        SOLE                  36285
  MONSANTO                        SOLE                                            1900
  MONSANTO                        OTHER                 42000
  MONSANTO                        OTHER                                           7000
  MONSANTO                        SOLE                  89950
  MONY GROUP                      SOLE                  120
  MONY GROUP                      SOLE                                            7000
  MORGAN J P                      SOLE                  101287
  MORGAN J P                      SOLE                                            10725
  MORGAN J P                      DEFINED               1150
  MORGAN J P                      DEFINED                                         600
  MORGAN J P                      OTHER                 18895
  MORGAN J P                      OTHER                                           4100
  MORGAN STANLEY                  SOLE                  134239
  MORGAN STANLEY                  SOLE                                            12713
  MORGAN STANLEY                  DEFINED               5388
  MORGAN STANLEY                  DEFINED                                         650
  MORGAN STANLEY                  OTHER                 8825
  MORGAN STANLEY                  OTHER                                           720
  MOTOROLA                        SOLE                  183958
  MOTOROLA                        SOLE                                            10900
  MOTOROLA                        DEFINED               3550
  MOTOROLA                        OTHER                 15500
  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                                            1300
  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
  NESTLE S A                      SOLE                  17130
  NESTLE S A                      SOLE                                            1100
  NESTLE S A                      OTHER                 1750
  NETWORK APPLIANCE               SOLE                  45000
  NEW JERSEY RESOURCES            SOLE                  6738
  NEW JERSEY RESOURCES            SOLE                                            100
  NEW JERSEY RESOURCES            OTHER                 500
  NEWELL FINL TR I                SOLE                  35000
  NEWELL RUBBERMAID               SOLE                  18000
  NEWELL RUBBERMAID               OTHER                 1000
  NOKIA                           SOLE                  236690
  NOKIA                           SOLE                                            13800
  NOKIA                           DEFINED               1358
  NOKIA                           DEFINED                                         400
  NOKIA                           OTHER                 13750
  NOKIA                           OTHER                              1600
  NOKIA                           OTHER                                           450
  NORFOLK SOUTHERN                SOLE                  208110
  NORFOLK SOUTHERN                SOLE                                            7300
  NORFOLK SOUTHERN                DEFINED               4000
  NORFOLK SOUTHERN                OTHER                 8375
  NORFOLK SOUTHERN                OTHER                                           7380
  NORTEL NETWORKS                 SOLE                  120
  NORTEL NETWORKS                 SOLE                                            9400
  NORTEL NETWORKS                 OTHER                 400
  NORTH AMERICAN TRAINING         SOLE                  39217
  NORTHERN STS PWR CO MINN        SOLE                  8724
  NORTHERN STS PWR CO MINN        SOLE                                            600
  NORTHERN TRUST                  SOLE                  148552
  NORTHERN TRUST                  SOLE                                            14890
  NORTHERN TRUST                  DEFINED               4219
  NORTHERN TRUST                  DEFINED                                         500
  NORTHERN TRUST                  OTHER                 12717
  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                  51200
  OFFICE DEPOT                    SOLE                                            1500
  OMNICARE                        SOLE                  12600
  OMNICOM GROUP                   SOLE                  2600
  OMNICOM GROUP                   OTHER                                           700
  ORACLE                          SOLE                  9828
  ORACLE                          OTHER                 5212
  PECO ENERGY                     SOLE                  7358
  PECO ENERGY                     SOLE                                            950
  PECO ENERGY                     OTHER                 300
  PIMCO ADVISORS HLGS L P         SOLE                  7875
  PIMCO ADVISORS HLGS L P         DEFINED               1854
  PIMCO ADVISORS HLGS L P         OTHER                 17768
  PNC BANK                        SOLE                  19960
  PNC BANK                        SOLE                                            2040
  PNC BANK                        DEFINED               1149
  PNC BANK                        OTHER                 4075
  PNC BANK                        OTHER                                           512
  P P & L RES                     SOLE                  66730
  P P & L RES                     SOLE                                            9870
  P P & L RES                     DEFINED               400
  P P & L RES                     OTHER                 11106
  P P & L RES                     OTHER                                           600
  PPG                             SOLE                  59107
  PPG                             SOLE                                            1400
  PPG                             DEFINED               1600
  PPG                             OTHER                 10986
  PPG                             OTHER                                           1700
  PSS WORLD MEDICAL INC           SOLE                  11400
  PARDEE RESOURCES                SOLE                  11400
  PARKER HANNIFIN                 SOLE                  14049
  PAYCHEX                         SOLE                  28403
  PAYCHEX                         SOLE                                            11630
  PAYCHEX                         DEFINED               750
  PAYCHEX                         OTHER                 5065
  PENNEY J C                      SOLE                  45261
  PENNEY J C                      SOLE                                            300
  PENNEY J C                      DEFINED               1500
  PENNEY J C                      OTHER                 2700
  PENNZOIL-QUAKER ST              SOLE                  3909
  PENNZOIL-QUAKER ST              OTHER                 6896
  PENNZOIL-QUAKER ST              OTHER                                           6560
  PEPSICO                         SOLE                  418895
  PEPSICO                         SOLE                                            43374
  PEPSICO                         DEFINED               5900
  PEPSICO                         OTHER                 109894
  PEPSICO                         OTHER                              1800
  PEPSICO                         OTHER                                           32140
  PETSMART                        SOLE                  10000
  PHARMACIA & UPJOHN              SOLE                  43357
  PHARMACIA & UPJOHN              SOLE                                            1218
  PHARMACIA & UPJOHN              OTHER                 185
  PFIZER                          SOLE                  1077326
  PFIZER                          SOLE                                            110487
  PFIZER                          DEFINED               32314
  PFIZER                          DEFINED                                         10200
  PFIZER                          OTHER                 350448
  PFIZER                          OTHER                              1200
  PFIZER                          OTHER                                           83949
  PHILIP MORRIS                   SOLE                  108907
  PHILIP MORRIS                   SOLE                                            16158
  PHILIP MORRIS                   DEFINED               9670
  PHILIP MORRIS                   OTHER                 109370
  PHILIP MORRIS                   OTHER                                           30317
  PHILLIPS PETE                   SOLE                  4060
  PHILLIPS PETE                   OTHER                 1285
  PIERCING PAGODA                 SOLE                  14890
  PIONEER HI BRED INTL            SOLE                  7200
  PIONEER HI BRED INTL            SOLE                                            1800
  PIONEER HI BRED INTL            OTHER                 2700
  PITNEY BOWES                    SOLE                  42660
  PITNEY BOWES                    SOLE                                            3200
  PITNEY BOWES                    DEFINED                                         800
  PITNEY BOWES                    OTHER                 5900
  PLATINUM ENTMT                  SOLE                  10000
  POTOMAC ELECTRIC PWR            SOLE                  4500
  POTOMAC ELECTRIC PWR            SOLE                                            1000
  POTOMAC ELECTRIC PWR            DEFINED               2206
  POTOMAC ELECTRIC PWR            OTHER                 2600
  PRAXAIR                         SOLE                  16660
  PRAXAIR                         SOLE                                            800
  PRAXAIR                         OTHER                 2026
  PRAXAIR                         DEF/OTH               309
  PREFORMED LINE PRODUCTS         SOLE                  36000
  PREMIER BANCORP                 SOLE                                            12360
  PROCTER & GAMBLE                SOLE                  270467
  PROCTER & GAMBLE                SOLE                                            25864
  PROCTER & GAMBLE                DEFINED               8307
  PROCTER & GAMBLE                OTHER                 69485
  PROCTER & GAMBLE                OTHER                              400
  PROCTER & GAMBLE                OTHER                                           30746
  PROGRESSIVE                     SOLE                  2222
  PROGRESSIVE                     OTHER                 418
  PROVIDIAN FINANCIAL             OTHER                 1298
  PROVIDIAN FINANCIAL             OTHER                                           3000
  PSINET                          SOLE                  37000
  PUBLIC SERVICE                  SOLE                  5905
  PUBLIC SERVICE                  SOLE                                            300
  PUBLIC SERVICE                  OTHER                                           1400
  PUBLIC SERVICE ENTERPRISE       SOLE                  68094
  PUBLIC SERVICE ENTERPRISE       SOLE                                            4965
  PUBLIC SERVICE ENTERPRISE       DEFINED               3324
  PUBLIC SERVICE ENTERPRISE       DEFINED                                         1039
  PUBLIC SERVICE ENTERPRISE       OTHER                 42967
  PUBLIC SERVICE ENTERPRISE       OTHER                                           10012
  PUBLIC SERVICE ENTERPRISE       DEF/OTH               3417
  QUADRAMED                       SOLE                  18623
  QUAKER OATS                     SOLE                  2740
  QUAKER OATS                     SOLE                                            1000
  QUAKER OATS                     DEFINED               1878
  QUAKER OATS                     OTHER                 1300
  QUALCOMM                        SOLE                  15200
  QUALCOMM                        SOLE                                            2000
  QUALCOMM                        OTHER                 1200
  QUESTAR                         OTHER                 13200
  QUESTAR                         OTHER                                           14000
  QWEST COMMUNICATIONS INTL       SOLE                  8324
  QWEST COMMUNICATIONS INTL       SOLE                                            1480
  QWEST COMMUNICATIONS INTL       OTHER                 400
  QWEST COMMUNICATIONS INTL       OTHER                              1000
  RAINFOREST CAFE                 SOLE                  20520
  RALSTON-RALSTON PURINA GROUP    SOLE                  1992
  RALSTON-RALSTON PURINA GROUP    OTHER                 7596
  RAYTHEON                        SOLE                  10380
  RAYTHEON                        SOLE                                            800
  RAYTHEON                        DEFINED                                         400
  RAYTHEON                        OTHER                 2650
  RAYTHEON                        OTHER                                           14700
  READERS DIGEST FIN TR           SOLE                  49500
  READERS DIGEST FIN TR           OTHER                 1000
  RELIANT ENERGY                  SOLE                  4886
  RELIANT ENERGY                  DEFINED               1000
  RELIANT ENERGY                  OTHER                 3000
  RELIANT ENERGY                  OTHER                                           1500
  REPSOL SA SPONSORED ADR         SOLE                  10575
  REPSOL SA SPONSORED ADR         OTHER                 3000
  REYNOLDS METALS                 SOLE                  17800
  RHONE-POULENC SA                SOLE                  4300
  RITE AID                        SOLE                  6060
  RITE AID                        SOLE                                            6000
  RITE AID                        OTHER                 2000
  ROCKWELL INTL                   SOLE                  8136
  ROCKWELL INTL                   DEFINED               1200
  ROCKWELL INTL                   OTHER                 1900
  ROCKWELL INTL                   OTHER                                           2700
  ROCKWELL INTL                   DEF/OTH               1517
  ROHM & HAAS                     SOLE                  8838
  ROSECAP                         SOLE                  26660
  ROSECAP                         OTHER                 40000
  ROYAL DUTCH PETE                SOLE                  248071
  ROYAL DUTCH PETE                SOLE                                            15000
  ROYAL DUTCH PETE                DEFINED               3220
  ROYAL DUTCH PETE                OTHER                 63292
  ROYAL DUTCH PETE                OTHER                                           13000
  SBC COMMUNICATIONS              SOLE                  366907
  SBC COMMUNICATIONS              SOLE                                            34592
  SBC COMMUNICATIONS              DEFINED               11590
  SBC COMMUNICATIONS              DEFINED                                         400
  SBC COMMUNICATIONS              OTHER                 100936
  SBC COMMUNICATIONS              OTHER                                           6450
  S&P 500 DEPOSITARY RECEIPT      SOLE                  20665
  SAFEWAY                         SOLE                  118750
  SAFEWAY                         SOLE                                            14800
  SAFEWAY                         OTHER                 350
  ST PAUL                         SOLE                  69412
  ST PAUL                         SOLE                                            4576
  ST PAUL                         OTHER                 600
  SARA LEE                        SOLE                  442379
  SARA LEE                        SOLE                                            20400
  SARA LEE                        DEFINED               1000
  SARA LEE                        OTHER                 17400
  SARA LEE                        OTHER                              2970
  SASSOON INTL                    DEFINED                                         12500
  SCHERING PLOUGH                 SOLE                  414000
  SCHERING PLOUGH                 SOLE                                            201548
  SCHERING PLOUGH                 DEFINED               31116
  SCHERING PLOUGH                 DEFINED                                         3867
  SCHERING PLOUGH                 OTHER                 105913
  SCHERING PLOUGH                 OTHER                                           26944
  SCHLUMBERGER                    SOLE                  126015
  SCHLUMBERGER                    SOLE                                            17426
  SCHLUMBERGER                    DEFINED               500
  SCHLUMBERGER                    OTHER                 15154
  SCHLUMBERGER                    OTHER                                           1775
  SEAGRAMS                        OTHER                 7805
  SEAGRAMS                        SOLE                  25000
  SEARS                           SOLE                  35624
  SEARS                           SOLE                                            800
  SEARS                           DEFINED                                         500
  SEARS                           OTHER                 6389
  SEARS                           OTHER                                           327
  SELECTIVE INSURANCE             SOLE                                            15000
  SELECTIVE INSURANCE             OTHER                 11340
  SERVICE CORP INTL               SOLE                  26750
  SERVICE CORP INTL               SOLE                                            800
  SERVICE CORP INTL               OTHER                 6550
  SERVICE CORP INTL               OTHER                                           1100
  SERVICE                         SOLE                  10000
  SHELL                           SOLE                  4200
  SHELL                           SOLE                                            3900
  SHELL                           OTHER                 248
  SHERWIN-WILLIAMS                SOLE                  15000
  SHERWIN-WILLIAMS                OTHER                 9600
  SKYLANDS FINL                   SOLE                  17055
  SMITHKLINE BEECHAM              SOLE                  304075
  SMITHKLINE BEECHAM              SOLE                                            10810
  SMITHKLINE BEECHAM              DEFINED                                         2640
  SMITHKLINE BEECHAM              OTHER                 21125
  SMITHKLINE BEECHAM              DEF/OTH               100
  SOLECTRON                       SOLE                  2650
  SOLECTRON                       SOLE                                            6500
  SONAT                           SOLE                  8790
  SONAT                           OTHER                 3850
  SOUTHERN                        SOLE                  34663
  SOUTHERN                        SOLE                                            9666
  SOUTHERN                        DEFINED               1000
  SOUTHERN                        DEFINED                                         500
  SOUTHERN                        OTHER                 8466
  SOUTHERN                        OTHER                                           3750
  SOUTHTRUST                      SOLE                  3420
  SOUTHTRUST                      SOLE                                            750
  SOUTHTRUST                      DEFINED               600
  SOUTHTRUST                      OTHER                 1500
  SOVEREIGN BANCORP               SOLE                  32435
  SOVEREIGN BANCORP               SOLE                                            8084
  SOVEREIGN BANCORP               DEFINED               1200
  SOVEREIGN BANCORP               DEFINED                                         3071
  SOVEREIGN BANCORP               OTHER                 4152
  SPRINT                          SOLE                  11162
  SPRINT                          DEFINED               800
  SPRINT                          OTHER                 4340
  STAGE STORES                    SOLE                  14250
  STAGE STORES                    OTHER                 2700
  STAPLES                         SOLE                  9468
  STAPLES                         SOLE                                            1000
  STATE STR                       SOLE                  700
  STATE STR                       SOLE                                            4600
  STATEN IS BANCORP INC           SOLE                  48941
  STATEN IS BANCORP INC           OTHER                                           5503
  STEWART ENTERPRISES             SOLE                                            12000
  SUIZA FOODS                     SOLE                  7980
  SUMMIT BANCORP                  SOLE                  5189771
  SUMMIT BANCORP                  SOLE                                            106114
  SUMMIT BANCORP                  DEFINED               179027
  SUMMIT BANCORP                  DEFINED                                         9653
  SUMMIT BANCORP                  OTHER                 540502
  SUMMIT BANCORP                  OTHER                              3442
  SUMMIT BANCORP                  OTHER                                           111372
  SUMMIT BANCORP                  DEF/OTH               16177
  SUN MICROSYSTEMS                SOLE                  6198
  SUN MICROSYSTEMS                SOLE                                            100
  SUN MICROSYSTEMS                OTHER                 7344
  SUNGARD DATA SYSTEM             SOLE                  13015
  SUNGARD DATA SYSTEM             OTHER                 500
  SYQUEST TECHNOLOGY              SOLE                  10875
  SYSCO                           SOLE                  40938
  SYSCO                           SOLE                                            6400
  SYSCO                           DEFINED               3400
  SYSCO                           OTHER                 10668
  SYSCO                           OTHER                                           19800
  TECO ENERGY                     SOLE                  88
  TECO ENERGY                     OTHER                 12600
  TEPPCO PARTNERS LP              SOLE                                            8000
  TEPPCO PARTNERS LP              OTHER                 3400
  T-NETIX                         SOLE                  63367
  TRW                             SOLE                  3560
  TRW                             SOLE                                            1600
  TECH DATA                       SOLE                  10350
  TECH DATA                       SOLE                                            700
  TELLABS                         SOLE                  74844
  TELLABS                         SOLE                                            6000
  TELLABS                         OTHER                 600
  A T & T SH                      OTHER                 1400
  TEXACO                          SOLE                  82994
  TEXACO                          SOLE                                            8084
  TEXACO                          DEFINED               3484
  TEXACO                          DEFINED                                         2000
  TEXACO                          OTHER                 13030
  TEXACO                          OTHER                                           1300
  TEXAS INSTRUMENTS               SOLE                  199050
  TEXAS INSTRUMENTS               SOLE                                            30700
  TEXAS INSTRUMENTS               DEFINED               3080
  TEXAS INSTRUMENTS               DEFINED                                         1000
  TEXAS INSTRUMENTS               OTHER                 3850
  TEXAS INSTRUMENTS               OTHER                                           800
  TEXAS UTILS                     SOLE                  9280
  TEXAS UTILS                     SOLE                                            300
  TEXAS UTILS                     DEFINED                                         1000
  TEXAS UTILS                     OTHER                 13641
  TEXAS UTILS                     OTHER                                           9250
  TEXTRON                         SOLE                  189334
  TEXTRON                         SOLE                                            8000
  TEXTRON                         OTHER                 4170
  THOMAS & BETTS                  SOLE                  117770
  THOMAS & BETTS                  SOLE                                            2400
  THOMAS & BETTS                  OTHER                 115108
  3 COM                           SOLE                  52210
  3 COM                           SOLE                                            400
  3 COM                           DEFINED               1000
  3 COM                           OTHER                 6800
  3 COM                           OTHER                                           75
  TIME WARNER                     SOLE                  243024
  TIME WARNER                     SOLE                                            10470
  TIME WARNER                     DEFINED               600
  TIME WARNER                     OTHER                 14350
  TIME WARNER                     OTHER                                           600
  TRIARC                          SOLE                  9610
  TRICON GLOBAL RESTAURANTS       SOLE                  8938
  TRICON GLOBAL RESTAURANTS       SOLE                                            602
  TRICON GLOBAL RESTAURANTS       DEFINED               120
  TRICON GLOBAL RESTAURANTS       OTHER                 4247
  TRICON GLOBAL RESTAURANTS       OTHER                              400
  TRICON GLOBAL RESTAURANTS       OTHER                                           1054
  TYCO INTL                       SOLE                  246186
  TYCO INTL                       SOLE                                            22524
  TYCO INTL                       DEFINED               7700
  TYCO INTL                       DEFINED                                         950
  TYCO INTL                       OTHER                 20104
  TYCO INTL                       OTHER                                           3639
  USX                             SOLE                  29217
  USG                             SOLE                  5200
  UNCOMMON VALUES UNIT TR 1985    SOLE                  48752
  UNILEVER PLC AMERN SHS          SOLE                  1785
  UNILEVER PLC AMERN SHS          OTHER                                           3570
  UNILEVER N V NEW YORK SHS       SOLE                  10619
  UNILEVER N V NEW YORK SHS       OTHER                 8745
  UNION PACIFIC                   SOLE                  198301
  UNION PACIFIC                   SOLE                                            1300
  UNION PACIFIC                   DEFINED               1200
  UNION PACIFIC                   DEFINED                                         400
  UNION PACIFIC                   OTHER                 20000
  UNION PACIFIC                   OTHER                                           200
  UNION PAC CAP TR                SOLE                  30000
  UNION PAC RES GROUP             SOLE                  72919
  UNION PAC RES GROUP             SOLE                                            169
  UNION PAC RES GROUP             DEFINED                                         338
  UNION PAC RES GROUP             OTHER                 2097
  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 WEST NEW                    SOLE                  28942
  U S WEST NEW                    SOLE                                            13370
  U S WEST NEW                    DEFINED               2232
  U S WEST NEW                    OTHER                 23660
  U S WEST NEW                    OTHER                              600
  U S WEST NEW                    OTHER                                           3599
  UNITED TECHNOLOGIES             SOLE                  332263
  UNITED TECHNOLOGIES             SOLE                                            18700
  UNITED TECHNOLOGIES             DEFINED                                         400
  UNITED TECHNOLOGIES             OTHER                 37490
  UNITED TECHNOLOGIES             OTHER                                           200
  UNITED TECHNOLOGIES             DEF/OTH               400
  UNITED WTR RESOURCES            SOLE                  19243
  UNITED WTR RESOURCES            DEFINED               1000
  UNITED WTR RESOURCES            OTHER                 1687
  UNITED WTR RESOURCES            DEF/OTH               2038
  UNUMPROVIDENT                   SOLE                  7900
  UNUMPROVIDENT                   SOLE                                            800
  UNUMPROVIDENT                   DEFINED               100
  UNUMPROVIDENT                   OTHER                 800
  UNUMPROVIDENT                   OTHER                                           700
  VALLEY NATL BANCORP             SOLE                  27911
  VALLEY NATL BANCORP             DEFINED               232
  VALLEY NATL BANCORP             OTHER                 8716
  VANGUARD FIXED SECS FD          SOLE                  261993
  VANGUARD FIXED SECS FD          SOLE                                            59612
  VANGUARD FIXED SECS FD          DEFINED               19305
  VANGUARD FIXED SECS FD          DEFINED                                         6344
  VANGUARD FIXED SECS FD          OTHER                 10179
  VIAD                            SOLE                  20286
  VIAD                            DEFINED               1000
  VIAD                            OTHER                 400
  VIAD                            OTHER                                           6000
  VISX                            SOLE                  1000
  VISX                            SOLE                                            3000
  VODAFONE AIRTOUCH               SOLE                  22356
  VODAFONE AIRTOUCH               SOLE                                            4187
  VODAFONE AIRTOUCH               DEFINED               643
  VODAFONE AIRTOUCH               OTHER                 3673
  VODAFONE AIRTOUCH               OTHER                                           900
  WACHOVIA                        SOLE                  3770
  WACHOVIA                        OTHER                 3050
  WAL MART                        SOLE                  287748
  WAL MART                        SOLE                                            68900
  WAL MART                        OTHER                 57700
  WAL MART                        OTHER                              1000
  WAL MART                        OTHER                                           51400
  WALGREEN                        SOLE                  16100
  WALGREEN                        SOLE                                            10832
  WALGREEN                        DEFINED               800
  WARNER LAMBERT                  SOLE                  226702
  WARNER LAMBERT                  SOLE                                            22232
  WARNER LAMBERT                  DEFINED               11215
  WARNER LAMBERT                  DEFINED                                         1150
  WARNER LAMBERT                  OTHER                 87996
  WARNER LAMBERT                  OTHER                                           1581
  WASHINGTON MUTUAL               SOLE                  37700
  WASHINGTON MUTUAL               OTHER                 1250
  WATSON PHARMACEUTICALS          SOLE                  9012
  WELLS FARGO NEW                 SOLE                  85970
  WELLS FARGO NEW                 SOLE                                            9000
  WELLS FARGO NEW                 DEFINED               400
  WELLS FARGO NEW                 OTHER                 5600
  WELLS FARGO NEW                 OTHER                                           1700
  WEYERHAEUSER                    SOLE                  1250
  WEYERHAEUSER                    OTHER                 1700
  WEYERHAEUSER                    OTHER                                           1600
  WHIRLPOOL                       SOLE                  2650
  WHIRLPOOL                       DEFINED               300
  WHIRLPOOL                       OTHER                 1210
  WILLIAMS COS                    SOLE                  108602
  WILLIAMS COS                    OTHER                 1000
  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                  1757
  WRIGLEY WM JR                   OTHER                 7200
  WRIGLEY WM JR                   OTHER                 3600
  XILINX                          SOLE                  32000
  XILINX                          SOLE                                            5900
  XEROX                           SOLE                  70578
  XEROX                           SOLE                                            8300
  XEROX                           OTHER                 11178
  YAHOO                           SOLE                  32100
  YAHOO                           SOLE                                            4050
  YAHOO                           OTHER                 4000
  ZOMAX                           SOLE                  12000
  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
  EBAGS                           SOLE                  12500
  GLOBAL CROSSING LTD             SOLE                  24236
  GLOBAL CROSSING LTD             SOLE                                            2950
  GLOBAL CROSSING LTD             OTHER                                           500
  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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