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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: 03/31/1999
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:
HILTON JERVEY HACKENSACK, NJ 05/11/1999
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: 955
Form 13F Information Table Value Total: $ 3,078,299
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 53 10000 SH
ADC TELECOMMUNICATIONS COMMON STOCK 000886101 238 5000 SH
AT&T COMMON STOCK 001957109 20500 256849 SH
AT&T COMMON STOCK 001957109 1380 17287 SH
AT&T COMMON STOCK 001957109 4629 57994 SH
ABBOTT LABS COMMON STOCK 002824100 6549 139898 SH
ABBOTT LABS COMMON STOCK 002824100 75 1600 SH
ABBOTT LABS COMMON STOCK 002824100 5836 124670 SH
ACCLAIM ENMNT COMMON STOCK 004325205 134 15000 SH
AEGON N V COMMON STOCK 007924103 231 2568 SH
AETNA COMMON STOCK 008117103 940 11325 SH
AETNA COMMON STOCK 008117103 133 1600 SH
AIR PRODUCTS & CHEMICALS COMMON STOCK 009158106 5246 153175 SH
AIR PRODUCTS & CHEMICALS COMMON STOCK 009158106 336 9800 SH
AIRTOUCH COMMUNICATIONS COMMON STOCK 00949T100 2698 27921 SH
AIRTOUCH COMMUNICATIONS COMMON STOCK 00949T100 163 1687 SH
AIRTOUCH COMMUNICATIONS COMMON STOCK 00949T100 992 10271 SH
AIRTOUCH COMMUNICATIONS CONVERTIBLE PRE 00949T308 2690 20000 SH
ALLEGHENY ENERGY COMMON STOCK 017361106 250 8470 SH
ALLEGHENY ENERGY COMMON STOCK 017361106 12 400 SH
ALLEGHENY ENERGY COMMON STOCK 017361106 24 800 SH
ALLERGAN COMMON STOCK 018490102 677 7704 SH
ALLIANCE CAPITAL MGMT COMMON STOCK 018548107 1068 42200 SH
ALLIANCE CAPITAL MGMT COMMON STOCK 018548107 96 3800 SH
ALLIANCE CAPITAL MGMT COMMON STOCK 018548107 989 39080 SH
ALLIED IRISH BANKS PLC COMMON STOCK 019228402 290 2800 SH
ALLIED IRISH BANKS PLC COMMON STOCK 019228402 176 1700 SH
ALLIED SIGNAL COMMON STOCK 019512102 5062 102919 SH
ALLIED SIGNAL COMMON STOCK 019512102 89 1800 SH
ALLIED SIGNAL COMMON STOCK 019512102 449 9134 SH
ALLIED WASTE INDS COMMON STOCK 019589308 505 35000 SH
ALLSTATE COMMON STOCK 020002101 2975 80279 SH
ALLSTATE COMMON STOCK 020002101 86 2326 SH
ALLSTATE COMMON STOCK 020002101 183 4946 SH
ALLTEL COMMON STOCK 020039103 1165 18679 SH
ALLTEL COMMON STOCK 020039103 118 1885 SH
ALTERA COMMON STOCK 021441100 268 4500 SH
AMAZON COM COMMON STOCK 023135106 267 1550 SH
AMERICA ONLINE COMMON STOCK 02364J104 50323 342333 SH
AMERICA ONLINE COMMON STOCK 02364J104 1468 9986 SH
AMERICA ONLINE COMMON STOCK 02364J104 5583 37977 SH
AMERICAN ELECTRIC POWER COMMON STOCK 025537101 367 9253 SH
AMERICAN ELECTRIC POWER COMMON STOCK 025537101 42 1059 SH
AMERICAN ELECTRIC POWER COMMON STOCK 025537101 919 23167 SH
AMERICAN EXPRESS COMMON STOCK 025816109 13289 112856 SH
AMERICAN EXPRESS COMMON STOCK 025816109 3856 32746 SH
AMERICAN FINL GROUP INC COMMON STOCK 025932104 493 14000 SH
AMERICAN GENERAL COMMON STOCK 026351106 2562 36346 SH
AMERICAN GENERAL COMMON STOCK 026351106 176 2490 SH
AMERICAN HOME PRODUCTS COMMON STOCK 026609107 21513 329703 SH
AMERICAN HOME PRODUCTS COMMON STOCK 026609107 1060 16240 SH
AMERICAN HOME PRODUCTS COMMON STOCK 026609107 9570 146668 SH
AMERICAN INTL GROUP COMMON STOCK 026874107 52387 434297 SH
AMERICAN INTL GROUP COMMON STOCK 026874107 1480 12268 SH
AMERICAN INTL GROUP COMMON STOCK 026874107 10169 84299 SH
AMERICAN POWER CONVERSION COMMON STOCK 029066107 979 36250 SH
AMERICAN POWER CONVERSION COMMON STOCK 029066107 178 6600 SH
AMERICAN POWER CONVERSION COMMON STOCK 029066107 140 5200 SH
AMERICAN WATER WORKS COMMON STOCK 030411102 206 7059 SH
AMERITECH COMMON STOCK 030954101 15118 262344 SH
AMERITECH COMMON STOCK 030954101 883 15320 SH
AMERITECH COMMON STOCK 030954101 3783 65648 SH
AMGEN COMMON STOCK 031162100 1265 16900 SH
AMGEN COMMON STOCK 031162100 30 400 SH
AMGEN COMMON STOCK 031162100 255 3400 SH
AMP COMMON STOCK 031897101 345 6452 SH
AMP COMMON STOCK 031897101 82 1537 SH
ANHEUSER BUSCH COMMON STOCK 035229103 1976 25953 SH
ANHEUSER BUSCH COMMON STOCK 035229103 61 800 SH
ANHEUSER BUSCH COMMON STOCK 035229103 1211 15914 SH
APPLIED MATERIALS COMMON STOCK 038222105 2798 45350 SH
APPLIED MATERIALS COMMON STOCK 038222105 12 200 SH
AT HOME COMMON STOCK 045919107 79 500 SH
AT HOME COMMON STOCK 045919107 142 900 SH
ASSOCIATES FIRST CAPITAL CRP COMMON STOCK 046008108 746 16576 SH
ASSOCIATES FIRST CAPITAL CRP COMMON STOCK 046008108 18 400 SH
ASSOCIATES FIRST CAPITAL CRP COMMON STOCK 046008108 77 1700 SH
ATLANTIC RICHFIELD COMMON STOCK 048825103 14311 195703 SH
ATLANTIC RICHFIELD COMMON STOCK 048825103 86 1182 SH
ATLANTIC RICHFIELD COMMON STOCK 048825103 2562 35030 SH
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 17416 420927 SH
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 887 21440 SH
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 5749 138957 SH
AVERY DENNISON COMMON STOCK 053611109 957 16650 SH
AVERY DENNISON COMMON STOCK 053611109 86 1500 SH
AVERY DENNISON COMMON STOCK 053611109 173 3000 SH
AVON PRODUCTS COMMON STOCK 054303102 201 4270 SH
AVON PRODUCTS COMMON STOCK 054303102 414 8800 SH
BP AMOCO PLC COMMON STOCK 055622104 21863 216467 SH
BP AMOCO PLC COMMON STOCK 055622104 1109 10985 SH
BP AMOCO PLC COMMON STOCK 055622104 5794 57365 SH
BP AMOCO PLC COMMON STOCK 055622104 10 100 SH
BSB BANCORP COMMON STOCK 055652101 568 23319 SH
BAKER FENTRESS MUTUAL FUNDS-EQ 057213100 695 46173 SH
BAKER FENTRESS MUTUAL FUNDS-EQ 057213100 1603 106422 SH
BALTIMORE GAS & ELEC COMMON STOCK 059165100 264 10422 SH
BALTIMORE GAS & ELEC COMMON STOCK 059165100 64 2525 SH
BANK OF NY COMMON STOCK 064057102 28234 785639 SH
BANK OF NY COMMON STOCK 064057102 101 2800 SH
BANK OF NY COMMON STOCK 064057102 2369 65916 SH
BANK ONE COMMON STOCK 06423A103 4013 72882 SH
BANK ONE COMMON STOCK 06423A103 55 1005 SH
BANK ONE COMMON STOCK 06423A103 303 5502 SH
BANKAMERICA NEW COMMON STOCK 06605F102 4730 66976 SH
BANKAMERICA NEW COMMON STOCK 06605F102 16 226 SH
BANKAMERICA NEW COMMON STOCK 06605F102 2609 36946 SH
BANKBOSTON CORP COMMON STOCK 06605R106 294 6787 SH
BANKBOSTON CORP COMMON STOCK 06605R106 9 216 SH
BANKERS TRUST COMMON STOCK 066365107 466 5281 SH
BANKERS TRUST COMMON STOCK 066365107 106 1200 SH
BANKERS TRUST COMMON STOCK 066365107 71 800 SH
BARD C R COMMON STOCK 067383109 137 2720 SH
BARD C R COMMON STOCK 067383109 35 700 SH
BARD C R COMMON STOCK 067383109 66 1300 SH
BAXTER INTL COMMON STOCK 071813109 5053 76559 SH
BAXTER INTL COMMON STOCK 071813109 26 400 SH
BAXTER INTL COMMON STOCK 071813109 132 2000 SH
BEAR STEARNS COMMON STOCK 073902108 298 6666 SH
BEAR STEARNS COMMON STOCK 073902108 40 905 SH
BECTON DICKINSON & CO COMMON STOCK 075887109 740 19315 SH
BECTON DICKINSON & CO COMMON STOCK 075887109 506 13200 SH
BELL ATLANTIC COMMON STOCK 077853109 16038 310282 SH
BELL ATLANTIC COMMON STOCK 077853109 1016 19666 SH
BELL ATLANTIC COMMON STOCK 077853109 9238 178732 SH
BELLSOUTH COMMON STOCK 079860102 30309 756552 SH
BELLSOUTH COMMON STOCK 079860102 1090 27204 SH
BELLSOUTH COMMON STOCK 079860102 9211 229916 SH
BELLSOUTH COMMON STOCK 079860102 16 400 SH
BERKSHIRE COMMON STOCK 084670108 571 8 SH
BERKSHIRE COMMON STOCK 084670108 71 1 SH
BERKSHIRE COMMON STOCK 084670207 3990 1697 SH
BERKSHIRE COMMON STOCK 084670207 12 5 SH
BERKSHIRE COMMON STOCK 084670207 2640 1123 SH
BESTFOODS COMMON STOCK 08658U101 16884 359225 SH
BESTFOODS COMMON STOCK 08658U101 592 12596 SH
BESTFOODS COMMON STOCK 08658U101 1998 42508 SH
BESTFOODS COMMON STOCK 08658U101 5 100 SH
BILLING CONCEPTS COMMON STOCK 090063108 123 10375 SH
BIOMET COMMON STOCK 090613100 247 5900 SH
BLUE CHIP VALUE FD COMMON STOCK 095333100 158 16450 SH
BOEING COMMON STOCK 097023105 1558 45809 SH
BOEING COMMON STOCK 097023105 41 1200 SH
BOEING COMMON STOCK 097023105 155 4548 SH
BOSTON SCIENTIFIC COMMON STOCK 101137107 370 9100 SH
BOSTON SCIENTIFIC COMMON STOCK 101137107 114 2800 SH
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 43517 678627 SH
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 1562 24360 SH
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 15454 241004 SH
BROWNING FERRIS COMMON STOCK 115885105 1602 41546 SH
BURLINGTON NORTHERN SANTA FE COMMON STOCK 12189T104 10347 314738 SH
BURLINGTON NORTHERN SANTA FE COMMON STOCK 12189T104 49 1500 SH
BURLINGTON NORTHERN SANTA FE COMMON STOCK 12189T104 481 14640 SH
BURLINGTON RESOURCES COMMON STOCK 122014103 292 7299 SH
BURLINGTON RESOURCES COMMON STOCK 122014103 61 1525 SH
BURLINGTON RESOURCES COMMON STOCK 122014103 121 3034 SH
CBS COMMON STOCK 12490K107 221 5417 SH
CBS COMMON STOCK 12490K107 38 930 SH
CBS COMMON STOCK 12490K107 18 444 SH
CIGNA COMMON STOCK 125509109 2038 24316 SH
CIGNA COMMON STOCK 125509109 168 2000 SH
CIGNA COMMON STOCK 125509109 662 7900 SH
CNF TRANSPORTATION COMMON STOCK 12612W104 870 23000 SH
CSX COMMON STOCK 126408103 2578 66202 SH
CSX COMMON STOCK 126408103 70 1800 SH
CSX COMMON STOCK 126408103 234 6000 SH
CVS COMMON STOCK 126650100 774 16300 SH
CVS COMMON STOCK 126650100 202 4250 SH
CAMPBELL SOUP COMMON STOCK 134429109 952 23400 SH
CAMPBELL SOUP COMMON STOCK 134429109 16 400 SH
CAMPBELL SOUP COMMON STOCK 134429109 877 21550 SH
CARDINAL HEALTH COMMON STOCK 14149Y108 457 6930 SH
CARDINAL HEALTH COMMON STOCK 14149Y108 25 383 SH
CARNIVAL COMMON STOCK 143658102 6403 131850 SH
CARNIVAL COMMON STOCK 143658102 97 2000 SH
CARNIVAL COMMON STOCK 143658102 97 2000 SH
CAROLINA PWR & LT COMMON STOCK 144141108 391 10348 SH
CAROLINA PWR & LT COMMON STOCK 144141108 45 1200 SH
CATERPILLAR COMMON STOCK 149123101 531 11555 SH
CATERPILLAR COMMON STOCK 149123101 381 8295 SH
CENDANT COMMON STOCK 151313103 397 24918 SH
CENDANT COMMON STOCK 151313103 72 4500 SH
CENTOCOR COMMON STOCK 152342101 259 7000 SH
CENTRAL & SOUTHWEST COMMON STOCK 152357109 165 7033 SH
CENTRAL & SOUTHWEST COMMON STOCK 152357109 47 2000 SH
CENTRAL & SOUTHWEST COMMON STOCK 152357109 110 4700 SH
CENTURY TELEPHONE COMMON STOCK 156686107 656 9337 SH
CERIDIAN COMMON STOCK 15677T106 2194 60000 SH
CHASE MANHATTAN COMMON STOCK 16161A108 12298 151126 SH
CHASE MANHATTAN COMMON STOCK 16161A108 415 5100 SH
CHASE MANHATTAN COMMON STOCK 16161A108 601 7382 SH
CHEVRON COMMON STOCK 166751107 6235 70257 SH
CHEVRON COMMON STOCK 166751107 481 5420 SH
CHEVRON COMMON STOCK 166751107 1400 15776 SH
CHIRON COMMON STOCK 170040109 373 17000 SH
CHUBB COMMON STOCK 171232101 779 13300 SH
CHUBB COMMON STOCK 171232101 1368 23357 SH
CINCINNATI BELL COMMON STOCK 171870108 58 2600 SH
CINCINNATI BELL COMMON STOCK 171870108 292 13000 SH
CIRCUIT CITY COMMON STOCK 172737108 506 6600 SH
CIRCUIT CITY COMMON STOCK 172737108 38 500 SH
CISCO SYSTEMS COMMON STOCK 17275R102 32043 292463 SH
CISCO SYSTEMS COMMON STOCK 17275R102 997 9102 SH
CISCO SYSTEMS COMMON STOCK 17275R102 3962 36158 SH
CINTAS COMMON STOCK 172908105 448 6860 SH
CINTAS COMMON STOCK 172908105 39 600 SH
CITIGROUP COMMON STOCK 172967101 16308 255312 SH
CITIGROUP COMMON STOCK 172967101 967 15135 SH
CITIGROUP COMMON STOCK 172967101 1345 21050 SH
CLOROX COMMON STOCK 189054109 2385 20349 SH
CLOROX COMMON STOCK 189054109 563 4800 SH
COCA COLA COMMON STOCK 191216100 19273 314015 SH
COCA COLA COMMON STOCK 191216100 681 11095 SH
COCA COLA COMMON STOCK 191216100 12517 203935 SH
COLGATE PALMOLIVE COMMON STOCK 194162103 15841 172180 SH
COLGATE PALMOLIVE COMMON STOCK 194162103 37 400 SH
COLGATE PALMOLIVE COMMON STOCK 194162103 1721 18705 SH
COLUMBIA ENERGY GROUP COMMON STOCK 197648108 21 402 SH
COLUMBIA ENERGY GROUP COMMON STOCK 197648108 1058 20250 SH
COMDISCO INC COMMON STOCK 200336105 1028 57500 SH
COMERICA COMMON STOCK 200340107 332 5325 SH
COMERICA COMMON STOCK 200340107 390 6244 SH
COMPAQ COMPUTER COMMON STOCK 204493100 16164 510091 SH
COMPAQ COMPUTER COMMON STOCK 204493100 51 1600 SH
COMPAQ COMPUTER COMMON STOCK 204493100 1150 36290 SH
COMPUTER ASSOCIATES COMMON STOCK 204912109 1925 54121 SH
COMPUTER ASSOCIATES COMMON STOCK 204912109 139 3900 SH
COMPUTER ASSOCIATES COMMON STOCK 204912109 503 14137 SH
COMP USA COMMON STOCK 204932107 73 10400 SH
COMPUWARE COMMON STOCK 205638109 1332 55800 SH
COMPUWARE COMMON STOCK 205638109 24 1000 SH
CONAGRA COMMON STOCK 205887102 150 5850 SH
CONAGRA COMMON STOCK 205887102 6 226 SH
CONAGRA COMMON STOCK 205887102 703 27450 SH
CONECTIV COMMON STOCK 206829103 279 14379 SH
CONECTIV COMMON STOCK 206829103 57 2950 SH
CONSECO COMMON STOCK 208464107 269 8706 SH
CONSECO COMMON STOCK 208464107 58 1894 SH
CONSECO COMMON STOCK 208464107 158 5104 SH
CONSECO CONVERTIBLE PRE 208464602 28 715 SH
CONSECO CONVERTIBLE PRE 208464602 97 2450 SH
CONSECO CONVERTIBLE PRE 208464602 135 3400 SH
CONSECO PREFERRED STOCK 20846F201 120 4800 SH
CONSECO PREFERRED STOCK 20846F201 103 4110 SH
CONSOLIDATED EDISON COMMON STOCK 209115104 1820 40158 SH
CONSOLIDATED EDISON COMMON STOCK 209115104 108 2375 SH
CONSOLIDATED EDISON COMMON STOCK 209115104 173 3826 SH
CONSOLIDATED NATURAL GAS COMMON STOCK 209615103 7108 145998 SH
CONSOLIDATED NATURAL GAS COMMON STOCK 209615103 112 2300 SH
CONSOLIDATED NATURAL GAS COMMON STOCK 209615103 671 13772 SH
CONVERGYS COMMON STOCK 212485106 45 2600 SH
CONVERGYS COMMON STOCK 212485106 223 13000 SH
COOPER COS COMMON STOCK 216648402 232 15116 SH
COOPER IND COMMON STOCK 216669101 136 3188 SH
COOPER IND COMMON STOCK 216669101 65 1532 SH
CORNING COMMON STOCK 219350105 3523 58711 SH
CORNING COMMON STOCK 219350105 162 2700 SH
CORNING COMMON STOCK 219350105 1096 18265 SH
CRIIMI MAE COMMON STOCK 226603108 27 10000 SH
DALLAS SEMICONDUCTOR COMMON STOCK 235204104 579 15000 SH
DANA COMMON STOCK 235811106 2806 73835 SH
DANA COMMON STOCK 235811106 18 464 SH
DANA COMMON STOCK 235811106 32 845 SH
DANAHER COMMON STOCK 235851102 636 12180 SH
DANAHER COMMON STOCK 235851102 84 1600 SH
DARDEN RESTAURANTS COMMON STOCK 237194105 31 1500 SH
DARDEN RESTAURANTS COMMON STOCK 237194105 225 10912 SH
DAYTON HUDSON COMMON STOCK 239753106 788 11820 SH
DAYTON HUDSON COMMON STOCK 239753106 1746 26200 SH
DEERE COMMON STOCK 244199105 4955 128287 SH
DEERE COMMON STOCK 244199105 722 18700 SH
DELL COMPUTER COMMON STOCK 247025109 36969 904430 SH
DELL COMPUTER COMMON STOCK 247025109 4422 108192 SH
DELL COMPUTER COMMON STOCK 247025109 3701 90536 SH
DEVELOPERS DIVERS REALTY COMMON STOCK 251591103 199 13900 SH
DEVRY INC DEL COMMON STOCK 251893103 334 11500 SH
DIAL COMMON STOCK 25247D101 34 986 SH
DIAL COMMON STOCK 25247D101 220 6400 SH
DIAMETRICS MED COMMON STOCK 252532106 30 5000 SH
DIAMETRICS MED COMMON STOCK 252532106 119 20000 SH
DISNEY WALT COMMON STOCK 254687106 17800 571902 SH
DISNEY WALT COMMON STOCK 254687106 502 16140 SH
DISNEY WALT COMMON STOCK 254687106 3955 127054 SH
DOMINION RESOURCES COMMON STOCK 257470104 290 7856 SH
DOMINION RESOURCES COMMON STOCK 257470104 17 450 SH
DOMINION RESOURCES COMMON STOCK 257470104 30 825 SH
DOVER COMMON STOCK 260003108 371 11290 SH
DOVER COMMON STOCK 260003108 66 2000 SH
DOVER COMMON STOCK 260003108 116 3520 SH
DOW CHEMICAL COMMON STOCK 260543103 2369 25423 SH
DOW CHEMICAL COMMON STOCK 260543103 21 225 SH
DOW CHEMICAL COMMON STOCK 260543103 1885 20228 SH
DU PONT E I DE NEMOURS COMMON STOCK 263534109 24300 418510 SH
DU PONT E I DE NEMOURS COMMON STOCK 263534109 494 8500 SH
DU PONT E I DE NEMOURS COMMON STOCK 263534109 6498 111913 SH
DU PONT E I DE NEMOURS COMMON STOCK 263534109 17 300 SH
DUFF & PHELPS UTILITIES INCOME COMMON STOCK 264324104 81 7551 SH
DUFF & PHELPS UTILITIES INCOME COMMON STOCK 264324104 68 6300 SH
DUKE ENERGY COMMON STOCK 264399106 1304 23799 SH
DUKE ENERGY COMMON STOCK 264399106 79 1450 SH
DUKE ENERGY COMMON STOCK 264399106 249 4550 SH
DUN & BRADSTREET COMMON STOCK 26483B106 353 9921 SH
DUN & BRADSTREET COMMON STOCK 26483B106 95 2680 SH
EMC COMMON STOCK 268648102 16012 125340 SH
EMC COMMON STOCK 268648102 139 1085 SH
E'TOWN COMMON STOCK 269242103 183 4532 SH
E'TOWN COMMON STOCK 269242103 70 1729 SH
EASTMAN KODAK COMMON STOCK 277461109 673 10531 SH
EASTMAN KODAK COMMON STOCK 277461109 32 500 SH
EASTMAN KODAK COMMON STOCK 277461109 322 5044 SH
EATON COMMON STOCK 278058102 364 5086 SH
EATON COMMON STOCK 278058102 22 311 SH
EDINBERG CONVERTIBLE PRE 280661992 750 82 SH
EDISON INTERNATIONAL COMMON STOCK 281020107 186 8355 SH
EDISON INTERNATIONAL COMMON STOCK 281020107 40 1800 SH
EL PASO ENERGY CONVERTIBLE PRE 283678209 1396 29000 SH
EL PASO ENERGY DEL COMMON STOCK 283905107 754 23056 SH
EL PASO ENERGY DEL COMMON STOCK 283905107 8 248 SH
ELAN PLC COMMON STOCK 284131208 561 8038 SH
ELAN PLC COMMON STOCK 284131208 70 1000 SH
ELECTRONIC ARTS COMMON STOCK 285512109 420 8850 SH
ELECTRONIC DATA SYSTEMS COMMON STOCK 285661104 9092 186733 SH
ELECTRONIC DATA SYSTEMS COMMON STOCK 285661104 594 12195 SH
ELECTRONIC DATA SYSTEMS COMMON STOCK 285661104 1471 30206 SH
EMERSON ELECTRIC COMMON STOCK 291011104 10759 203235 SH
EMERSON ELECTRIC COMMON STOCK 291011104 21 400 SH
EMERSON ELECTRIC COMMON STOCK 291011104 2360 44590 SH
ENERGY EAST COMMON STOCK 29266M109 560 10660 SH
ENGELHARD COMMON STOCK 292845104 736 43437 SH
ENGELHARD COMMON STOCK 292845104 60 3550 SH
ENGELHARD COMMON STOCK 292845104 465 27450 SH
ENRON COMMON STOCK 293561106 28083 437091 SH
ENRON COMMON STOCK 293561106 538 8375 SH
ENRON COMMON STOCK 293561106 2039 31731 SH
ENRON COMMON STOCK 293561106 10 150 SH
EQUIFAX COMMON STOCK 294429105 658 19150 SH
EQUITY INCOME FUND MUTUAL FUNDS-EQ 294700703 628 3542 SH
EQUITY INCOME FUND MUTUAL FUNDS-EQ 294700703 130 734 SH
EQUITY INCOME FUND MUTUAL FUNDS-EQ 294700703 873 4927 SH
ERICSSON COMMON STOCK 294821400 2631 110470 SH
ERICSSON COMMON STOCK 294821400 203 8520 SH
ERICSSON COMMON STOCK 294821400 274 11500 SH
EXXON COMMON STOCK 302290101 47521 673458 SH
EXXON COMMON STOCK 302290101 2207 31276 SH
EXXON COMMON STOCK 302290101 22797 323075 SH
FPL COMMON STOCK 302571104 6333 118926 SH
FPL COMMON STOCK 302571104 37 700 SH
FPL COMMON STOCK 302571104 497 9340 SH
FANNIE MAE COMMON STOCK 313586109 17821 257348 SH
FANNIE MAE COMMON STOCK 313586109 35 500 SH
FANNIE MAE COMMON STOCK 313586109 1200 17325 SH
FEDERATED INDEX TR MUTUAL FUNDS-EQ 31420E106 193 7267 SH
FEDERATED INDEX TR MUTUAL FUNDS-EQ 31420E106 111 4204 SH
FIDELITY MUTUAL FUNDS-MU 316089200 193 16873 SH
FIDELITY EQUITY - INCOME FUND MUTUAL FUNDS-EQ 316138106 162 2900 SH
FIDELITY EQUITY - INCOME FUND MUTUAL FUNDS-EQ 316138106 228 4080 SH
FINOVA GROUP COMMON STOCK 317928109 86 1664 SH
FINOVA GROUP COMMON STOCK 317928109 156 3000 SH
FIRST DATA COMMON STOCK 319963104 1163 27197 SH
FIRST DATA COMMON STOCK 319963104 171 4000 SH
FIRST SEC DEL COMMON STOCK 336294103 426 22050 SH
FIRST UNION COMMON STOCK 337358105 22822 427079 SH
FIRST UNION COMMON STOCK 337358105 410 7678 SH
FIRST UNION COMMON STOCK 337358105 4507 84346 SH
FIRST UNION COMMON STOCK 337358105 22 421 SH
FIRST UNION CORPORATE BONDS 337358BL8 298 300000 PRN
FIRST VIRGINIA BANKS COMMON STOCK 337477103 164 3600 SH
FIRST VIRGINIA BANKS COMMON STOCK 337477103 51 1125 SH
FLEET FINL GROUP COMMON STOCK 338915101 272 7223 SH
FLEET FINL GROUP COMMON STOCK 338915101 619 16440 SH
FLEMINGTON FUR COMMON STOCK 339230989 1316 95734 SH
FLEMINGTON FUR COMMON STOCK 339230997 1097 71914 SH
FLORIDA COMMON STOCK 341109106 327 8670 SH
FLORIDA COMMON STOCK 341109106 11 300 SH
FLORIDA COMMON STOCK 341109106 211 5600 SH
FORD MOTOR DEL COMMON STOCK 345370100 3068 54113 SH
FORD MOTOR DEL COMMON STOCK 345370100 57 1000 SH
FORD MOTOR DEL COMMON STOCK 345370100 202 3570 SH
FORTUNE BRANDS COMMON STOCK 349631101 665 17280 SH
FORTUNE BRANDS COMMON STOCK 349631101 31 800 SH
FORTUNE BRANDS COMMON STOCK 349631101 287 7448 SH
FRANKLIN INTERNATIONAL PREFERRED STOCK 353990203 432 4316 SH
FRANKLIN RESOURCES COMMON STOCK 354613101 3198 113717 SH
FRANKLIN RESOURCES COMMON STOCK 354613101 187 6649 SH
FRANKLIN RESOURCES COMMON STOCK 354613101 561 19957 SH
FRONTIER COMMON STOCK 35906P105 635 12250 SH
FULTON FINL PA COMMON STOCK 360271100 1376 60000 SH
GPU COMMON STOCK 36225X100 854 22895 SH
GPU COMMON STOCK 36225X100 69 1839 SH
GPU COMMON STOCK 36225X100 1270 34038 SH
GTE COMMON STOCK 362320103 9067 149873 SH
GTE COMMON STOCK 362320103 327 5400 SH
GTE COMMON STOCK 362320103 3574 59075 SH
GALLAHER GROUP COMMON STOCK 363595109 311 13250 SH
GALLAHER GROUP COMMON STOCK 363595109 221 9398 SH
GANNETT COMMON STOCK 364730101 10123 160690 SH
GANNETT COMMON STOCK 364730101 101 1600 SH
GANNETT COMMON STOCK 364730101 699 11100 SH
GAP STORES COMMON STOCK 364760108 8024 119205 SH
GAP STORES COMMON STOCK 364760108 72 1075 SH
GENERAL ELECTRIC COMMON STOCK 369604103 124572 1126079 SH
GENERAL ELECTRIC COMMON STOCK 369604103 6181 55870 SH
GENERAL ELECTRIC COMMON STOCK 369604103 51290 463634 SH
GENERAL ELECTRIC COMMON STOCK 369604103 33 300 SH
GENERAL MILLS COMMON STOCK 370334104 718 9500 SH
GENERAL MILLS COMMON STOCK 370334104 105 1384 SH
GENERAL MILLS COMMON STOCK 370334104 1457 19284 SH
GENERAL MOTORS COMMON STOCK 370442105 2532 29109 SH
GENERAL MOTORS COMMON STOCK 370442105 101 1162 SH
GENERAL MOTORS COMMON STOCK 370442105 448 5148 SH
GENERAL MOTORS COMMON STOCK 370442832 508 10078 SH
GENERAL MOTORS COMMON STOCK 370442832 0 10 SH
GENUINE PARTS COMMON STOCK 372460105 277 9600 SH
GENUINE PARTS COMMON STOCK 372460105 13 450 SH
GENUINE PARTS COMMON STOCK 372460105 319 11075 SH
GENZYME COMMON STOCK 372917104 111 2200 SH
GENZYME COMMON STOCK 372917104 141 2800 SH
GEORGIA PACIFIC COMMON STOCK 373298108 396 5328 SH
GEORGIA PACIFIC COMMON STOCK 373298108 30 400 SH
GEORGIA PACIFIC COMMON STOCK 373298108 297 4000 SH
GILLETTE COMMON STOCK 375766102 20442 343921 SH
GILLETTE COMMON STOCK 375766102 1123 18889 SH
GILLETTE COMMON STOCK 375766102 3209 53990 SH
GLAXO COMMON STOCK 37733W105 15848 236763 SH
GLAXO COMMON STOCK 37733W105 837 12510 SH
GOVERNMENT SECURITIES INCOME FD MUTUAL FUNDS-FI 383743598 3 88334 SH
GUIDANT COMMON STOCK 401698105 118 1946 SH
GUIDANT COMMON STOCK 401698105 227 3752 SH
HSB GROUP COMMON STOCK 40428N109 243 6555 SH
HUBCO COMMON STOCK 404382103 114 3386 SH
HUBCO COMMON STOCK 404382103 111 3297 SH
HALLIBURTON COMMON STOCK 406216101 727 18880 SH
HALLIBURTON COMMON STOCK 406216101 169 4400 SH
HARLEY DAVIDSON COMMON STOCK 412822108 5625 98040 SH
HARLEY DAVIDSON COMMON STOCK 412822108 23 400 SH
HARSCO COMMON STOCK 415864107 374 14846 SH
HARTFORD FINANCIAL SERVICES COMMON STOCK 416515104 1253 22054 SH
HARTFORD FINANCIAL SERVICES COMMON STOCK 416515104 86 1508 SH
HARTFORD FINANCIAL SERVICES COMMON STOCK 416515104 567 9980 SH
THE HARVILL PRESS LIMITED COMMON STOCK 417999AA7 161 18625 SH
HEINEKEN NV ADR COMMON STOCK 423012202 328 6500 SH
HEINZ H J COMMON STOCK 423074103 1286 27140 SH
HEINZ H J COMMON STOCK 423074103 97 2050 SH
HEINZ H J COMMON STOCK 423074103 825 17415 SH
HELIX TECHNOLOGY COMMON STOCK 423319102 231 15000 SH
HERCULES COMMON STOCK 427056106 407 16129 SH
HERCULES COMMON STOCK 427056106 68 2700 SH
HERSHEY FOODS COMMON STOCK 427866108 947 16892 SH
HERSHEY FOODS COMMON STOCK 427866108 34 600 SH
HERSHEY FOODS COMMON STOCK 427866108 499 8900 SH
HEWLETT PACKARD COMMON STOCK 428236103 17348 255825 SH
HEWLETT PACKARD COMMON STOCK 428236103 230 3385 SH
HEWLETT PACKARD COMMON STOCK 428236103 3272 48252 SH
HEWLETT PACKARD COMMON STOCK 428236103 14 200 SH
HOLLINGER INTERNATIONAL COMMON STOCK 435569108 1356 100000 SH
HOME DEPOT COMMON STOCK 437076102 24204 388825 SH
HOME DEPOT COMMON STOCK 437076102 1166 18730 SH
HOME DEPOT COMMON STOCK 437076102 4309 69219 SH
HONEYWELL COMMON STOCK 438506107 2545 33570 SH
HONEYWELL COMMON STOCK 438506107 171 2250 SH
HOOPER HOLMES COMMON STOCK 439104100 234 15000 SH
HOSPITALITY PPTYS TR COMMON STOCK 44106M102 541 20000 SH
HOSPITALITY PPTYS TR COMMON STOCK 44106M102 11 400 SH
HOSPITALITY PPTYS TR COMMON STOCK 44106M102 169 6250 SH
HOUSEHOLD INTERNATIONAL COMMON STOCK 441815107 3681 80684 SH
HOUSEHOLD INTERNATIONAL COMMON STOCK 441815107 288 6323 SH
HUBBELL COMMON STOCK 443510201 1720 43000 SH
IMS HEALTH COMMON STOCK 449934108 8730 263542 SH
IMS HEALTH COMMON STOCK 449934108 80 2400 SH
IMS HEALTH COMMON STOCK 449934108 227 6860 SH
ILLINOIS TOOL WORKS COMMON STOCK 452308109 6985 112890 SH
ILLINOIS TOOL WORKS COMMON STOCK 452308109 37 600 SH
ILLINOIS TOOL WORKS COMMON STOCK 452308109 2886 46650 SH
INFORMIX COMMON STOCK 456779107 96 13000 SH
INFORMIX COMMON STOCK 456779107 15 2000 SH
INGERSOLL RAND COMMON STOCK 456866102 3140 63275 SH
INGERSOLL RAND COMMON STOCK 456866102 104 2100 SH
INGERSOLL RAND CONVERTIBLE PRE 456867209 884 35000 SH
INPRISE COMMON STOCK 45766C102 58 15000 SH
INTEL COMMON STOCK 458140100 45777 385086 SH
INTEL COMMON STOCK 458140100 1135 9546 SH
INTEL COMMON STOCK 458140100 8017 67443 SH
INTL BUSINESS MACHINES COMMON STOCK 459200101 46372 261620 SH
INTL BUSINESS MACHINES COMMON STOCK 459200101 1007 5680 SH
INTL BUSINESS MACHINES COMMON STOCK 459200101 5934 33477 SH
INTL FLAVORS & FRAGRANCES COMMON STOCK 459506101 225 6000 SH
INTL FLAVORS & FRAGRANCES COMMON STOCK 459506101 94 2500 SH
INTERNATIONAL PAPER COMMON STOCK 460146103 810 19197 SH
INTERNATIONAL PAPER COMMON STOCK 460146103 170 4032 SH
INTERPUBLIC GROUP COMMON STOCK 460690100 222 2850 SH
JANUS MUTUAL FUNDS-EQ 471023101 3317 88532 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 47071 503436 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 1227 13122 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 15730 168237 SH
KELLOGG COMMON STOCK 487836108 68 2000 SH
KELLOGG COMMON STOCK 487836108 4389 129800 SH
KEMPER MUN BD FD SH BEN INT MUTUAL FUNDS-MU 488419201 182 17852 SH
KEMPER GOVT SECS TR MUTUAL FUNDS-FI 488903261 0 10000 SH
KEYCORP COMMON STOCK 493267108 257 8482 SH
KEYCORP COMMON STOCK 493267108 101 3320 SH
KEYSPAN ENERGY COMMON STOCK 49337K106 233 9270 SH
KEYSPAN ENERGY COMMON STOCK 49337K106 70 2800 SH
KEYSPAN ENERGY COMMON STOCK 49337K106 43 1728 SH
KIMBERLY CLARK COMMON STOCK 494368103 10962 228670 SH
KIMBERLY CLARK COMMON STOCK 494368103 166 3456 SH
KIMBERLY CLARK COMMON STOCK 494368103 731 15250 SH
KIMBERLY CLARK COMMON STOCK 494368103 5 100 SH
KIMCO REALTY COMMON STOCK 49446R109 306 8300 SH
KONINKLIJKE PHILLIPS ELECTRONICS COMMON STOCK 500472105 997 12100 SH
KONINKLIJKE PHILLIPS ELECTRONICS COMMON STOCK 500472105 157 1900 SH
ESTEE LAUDER AUTO EXCH SEC TR II CONVERTIBLE PRE 518438205 1355 15000 SH
ESTEE LAUDER COMPANIES-CL A COMMON STOCK 518439104 945 10000 SH
LEHMAN BROS COMMON STOCK 524908100 116 1939 SH
LEHMAN BROS COMMON STOCK 524908100 156 2611 SH
LILLY ELI COMMON STOCK 532457108 4656 54858 SH
LILLY ELI COMMON STOCK 532457108 749 8824 SH
LIMITED COMMON STOCK 532716107 9586 241909 SH
LIMITED COMMON STOCK 532716107 141 3550 SH
LINCOLN NATL COMMON STOCK 534187109 3362 34000 SH
LINEAR TECHNOLOGY COMMON STOCK 535678106 238 4650 SH
LOCKHEED MARTIN COMMON STOCK 539830109 2049 54278 SH
LOCKHEED MARTIN COMMON STOCK 539830109 30 800 SH
LOEWS COMMON STOCK 540424108 313 4200 SH
LOEWS COMMON STOCK 540424108 90 1200 SH
LUCENT TECHNOLOGIES COMMON STOCK 549463107 49180 455370 SH
LUCENT TECHNOLOGIES COMMON STOCK 549463107 1558 14425 SH
LUCENT TECHNOLOGIES COMMON STOCK 549463107 7330 67867 SH
LUCENT TECHNOLOGIES COMMON STOCK 549463107 22 200 SH
MBIA COMMON STOCK 55262C100 209 3600 SH
MBIA COMMON STOCK 55262C100 12 200 SH
MBNA COMMON STOCK 55262L100 5608 234887 SH
MBNA COMMON STOCK 55262L100 326 13650 SH
MBNA COMMON STOCK 55262L100 440 18432 SH
MCI CAPITAL I PREFERRED STOCK 55267Y206 201 7950 SH
MCI CAPITAL I PREFERRED STOCK 55267Y206 23 900 SH
MCI CAPITAL I PREFERRED STOCK 55267Y206 94 3700 SH
MCI WORLDCOM COMMON STOCK 55268B106 37542 423902 SH
MCI WORLDCOM COMMON STOCK 55268B106 1232 13909 SH
MCI WORLDCOM COMMON STOCK 55268B106 4671 52747 SH
MCI WORLDCOM COMMON STOCK 55268B106 9 100 SH
MFS INTER INCOME TR MUTUAL FUNDS-FI 55273C107 68 10287 SH
MARSH & MCLENNAN COMMON STOCK 571748102 4431 59675 SH
MARSH & MCLENNAN COMMON STOCK 571748102 67 900 SH
MARRIOTT INTERNATIONAL COMMON STOCK 571903202 343 10200 SH
MARRIOTT INTERNATIONAL COMMON STOCK 571903202 582 17300 SH
MASCO COMMON STOCK 574599106 177 6266 SH
MASCO COMMON STOCK 574599106 68 2400 SH
MATTEL COMMON STOCK 577081102 7026 281763 SH
MATTEL COMMON STOCK 577081102 75 3000 SH
MATTEL COMMON STOCK 577081102 289 11593 SH
MATTEL CONVERTIBLE PRE 577081706 604 57500 SH
MAY DEPT STORES COMMON STOCK 577778103 1375 35147 SH
MAY DEPT STORES COMMON STOCK 577778103 88 2250 SH
MAY DEPT STORES COMMON STOCK 577778103 1599 40876 SH
MCDONALDS COMMON STOCK 580135101 3700 81658 SH
MCDONALDS COMMON STOCK 580135101 551 12160 SH
MCGRAW HILL COMMON STOCK 580645109 4497 82510 SH
MCGRAW HILL COMMON STOCK 580645109 71 1300 SH
MCGRAW HILL COMMON STOCK 580645109 763 14000 SH
MCKESSON COMMON STOCK 581557105 292 4424 SH
MCKESSON HBOC COMMON STOCK 58155Q103 18559 281198 SH
MCKESSON HBOC COMMON STOCK 58155Q103 132 2000 SH
MEDIAONE GROUP COMMON STOCK 58440J104 1033 16277 SH
MEDIAONE GROUP COMMON STOCK 58440J104 2 36 SH
MEDIAONE GROUP COMMON STOCK 58440J104 559 8805 SH
MEDTRONICS COMMON STOCK 585055106 395 5496 SH
MEDTRONICS COMMON STOCK 585055106 36 500 SH
MEDTRONICS COMMON STOCK 585055106 14 200 SH
MELLON BANK COMMON STOCK 585509102 3011 42790 SH
MELLON BANK COMMON STOCK 585509102 1513 21500 SH
MERCK COMMON STOCK 589331107 94285 1176730 SH
MERCK COMMON STOCK 589331107 1948 24306 SH
MERCK COMMON STOCK 589331107 57316 715336 SH
MERCK COMMON STOCK 589331107 24 300 SH
MERRILL LYNCH COMMON STOCK 590188108 1504 16990 SH
MERRILL LYNCH COMMON STOCK 590188108 307 3470 SH
MICHIGAN ST HIGHER ED STUDENT MUNICIPAL OBLIG 594520EY0 985 950000 PRN
MICROSOFT COMMON STOCK 594918104 68984 769691 SH
MICROSOFT COMMON STOCK 594918104 1936 21596 SH
MICROSOFT COMMON STOCK 594918104 14308 159639 SH
MINNESOTA MNG & MFG COMMON STOCK 604059105 7827 110624 SH
MINNESOTA MNG & MFG COMMON STOCK 604059105 163 2300 SH
MINNESOTA MNG & MFG COMMON STOCK 604059105 1859 26270 SH
MOBIL COMMON STOCK 607059102 25252 286951 SH
MOBIL COMMON STOCK 607059102 917 10420 SH
MOBIL COMMON STOCK 607059102 6006 68248 SH
MOBIL COMMON STOCK 607059102 36 410 SH
MONSANTO COMMON STOCK 611662107 3101 67495 SH
MONSANTO COMMON STOCK 611662107 1449 31550 SH
MONSANTO CONVERTIBLE PRE 611662305 3581 77000 SH
MORGAN J P COMMON STOCK 616880100 12993 105313 SH
MORGAN J P COMMON STOCK 616880100 204 1650 SH
MORGAN J P COMMON STOCK 616880100 3343 27095 SH
MORGAN STANLEY COMMON STOCK 617446448 11282 112891 SH
MORGAN STANLEY COMMON STOCK 617446448 274 2745 SH
MORGAN STANLEY COMMON STOCK 617446448 530 5305 SH
MOTOROLA COMMON STOCK 620076109 13657 186448 SH
MOTOROLA COMMON STOCK 620076109 289 3950 SH
MOTOROLA COMMON STOCK 620076109 1406 19200 SH
NL INDUSTRIES COMMON STOCK 629156407 4 440 SH
NL INDUSTRIES COMMON STOCK 629156407 130 14422 SH
NATIONAL FUEL GAS COMMON STOCK 636180101 290 7400 SH
NATIONAL FUEL GAS COMMON STOCK 636180101 12 300 SH
NATIONAL FUEL GAS COMMON STOCK 636180101 223 5680 SH
NATIONAL WESTMINSTER BANK PLC COMMON STOCK 638539403 762 5559 SH
NATIONAL WESTMINSTER BANK PLC COMMON STOCK 638539403 156 1141 SH
NATIONAL WESTMINSTER BANK PLC COMMON STOCK 638539403 274 2000 SH
NETWORK ASSOCIATES COMMON STOCK 640938106 292 9500 SH
NETWORK ASSOCIATES COMMON STOCK 640938106 9 300 SH
NESTLE S A COMMON STOCK 641069406 1690 18600 SH
NESTLE S A COMMON STOCK 641069406 173 1900 SH
NEW JERSEY RESOURCES COMMON STOCK 646025106 273 7671 SH
NEW JERSEY RESOURCES COMMON STOCK 646025106 57 1600 SH
NEWELL FINL TR I CONVERTIBLE PRE 651195307 1934 35000 SH
NEWELL RUBBERMAID COMMON STOCK 651229106 570 12001 SH
NEWELL RUBBERMAID COMMON STOCK 651229106 187 3942 SH
NEWELL RUBBERMAID COMMON STOCK 651229106 48 1000 SH
NOKIA COMMON STOCK 654902204 19174 123105 SH
NOKIA COMMON STOCK 654902204 62 400 SH
NOKIA COMMON STOCK 654902204 1028 6600 SH
NORFOLK SOUTHERN COMMON STOCK 655844108 5968 226260 SH
NORFOLK SOUTHERN COMMON STOCK 655844108 119 4500 SH
NORFOLK SOUTHERN COMMON STOCK 655844108 384 14555 SH
NORTH AMERICAN TRAINING COMMON STOCK 657999991 0 39217 SH
NORTHERN TRUST COMMON STOCK 665859104 13824 155649 SH
NORTHERN TRUST COMMON STOCK 665859104 410 4612 SH
NORTHERN TRUST COMMON STOCK 665859104 1303 14675 SH
NOVACARE COMMON STOCK 669930109 23 13200 SH
NUVEEN MUN MKT OPPORTUNITY FD MUTUAL FUNDS-MU 67062W103 125 7589 SH
NUVEEN MUN MKT OPPORTUNITY FD MUTUAL FUNDS-MU 67062W103 99 6000 SH
OMNICOM GROUP COMMON STOCK 681919106 208 2600 SH
OMNICOM GROUP COMMON STOCK 681919106 56 700 SH
ORACLE COMMON STOCK 68389X105 373 14130 SH
ORACLE COMMON STOCK 68389X105 132 4999 SH
ORANGE & ROCKLAND UTILS COMMON STOCK 684065105 44 760 SH
ORANGE & ROCKLAND UTILS COMMON STOCK 684065105 172 3000 SH
ORANGE & ROCKLAND UTILS COMMON STOCK 684065105 16 280 SH
PECO ENERGY COMMON STOCK 693304107 475 10260 SH
PECO ENERGY COMMON STOCK 693304107 14 300 SH
PG&E COMMON STOCK 69331C108 130 4180 SH
PG&E COMMON STOCK 69331C108 97 3111 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 559 17768 SH
PNC BANK COMMON STOCK 693475105 1335 24021 SH
PNC BANK COMMON STOCK 693475105 64 1149 SH
PNC BANK COMMON STOCK 693475105 266 4792 SH
P P & L RES COMMON STOCK 693499105 1870 75559 SH
P P & L RES COMMON STOCK 693499105 10 400 SH
P P & L RES COMMON STOCK 693499105 324 13106 SH
PPG COMMON STOCK 693506107 2910 56786 SH
PPG COMMON STOCK 693506107 82 1600 SH
PPG COMMON STOCK 693506107 666 12986 SH
PSS WORLD MEDICAL INC COMMON STOCK 69366A100 88 10000 SH
PACIFIC GATEWAY EXCHANGE COMMON STOCK 694327107 232 7000 SH
PAGING PARTNERS COMMON STOCK 69554P109 16 10000 SH
PARAMETRIC TECHNOLOGY COMMON STOCK 699173100 320 16200 SH
PARDEE RESOURCES COMMON STOCK 699437109 513 11400 SH
PARKER HANNIFIN COMMON STOCK 701094104 481 14049 SH
PAYCHEX COMMON STOCK 704326107 2594 54688 SH
PAYCHEX COMMON STOCK 704326107 184 3876 SH
PENNEY J C COMMON STOCK 708160106 2014 49729 SH
PENNEY J C COMMON STOCK 708160106 67 1650 SH
PENNEY J C COMMON STOCK 708160106 28 700 SH
PENNZOIL-QUAKER ST COMMON STOCK 709323109 37 3007 SH
PENNZOIL-QUAKER ST COMMON STOCK 709323109 167 13456 SH
PEOPLES BANCORP DEL COMMON STOCK 709909105 193 19503 SH
PEPSICO COMMON STOCK 713448108 18501 472118 SH
PEPSICO COMMON STOCK 713448108 342 8740 SH
PEPSICO COMMON STOCK 713448108 6224 158818 SH
PHARMACIA & UPJOHN COMMON STOCK 716941109 4024 64507 SH
PHARMACIA & UPJOHN COMMON STOCK 716941109 90 1435 SH
PFIZER COMMON STOCK 717081103 64811 467103 SH
PFIZER COMMON STOCK 717081103 2054 14802 SH
PFIZER COMMON STOCK 717081103 20353 146691 SH
PHILIP MORRIS COMMON STOCK 718154107 4939 140374 SH
PHILIP MORRIS COMMON STOCK 718154107 351 9970 SH
PHILIP MORRIS COMMON STOCK 718154107 4961 140977 SH
PHILLIPS PETE COMMON STOCK 718507106 178 3760 SH
PHILLIPS PETE COMMON STOCK 718507106 72 1525 SH
PIER 1 IMPORTS COMMON STOCK 720279108 163 20000 SH
PIER 1 IMPORTS COMMON STOCK 720279108 33 4000 SH
PIERCING PAGODA COMMON STOCK 720773100 145 16200 SH
PIONEER HI BRED INTL COMMON STOCK 723686101 339 9000 SH
PIONEER HI BRED INTL COMMON STOCK 723686101 102 2700 SH
PITNEY BOWES COMMON STOCK 724479100 1962 30780 SH
PITNEY BOWES COMMON STOCK 724479100 51 800 SH
PITNEY BOWES COMMON STOCK 724479100 395 6200 SH
PLUCKEMIN CORNER REAL ESTATE 729192997 449 48 PRN
PRAXAIR COMMON STOCK 74005P104 1087 30145 SH
PRAXAIR COMMON STOCK 74005P104 22 600 SH
PRAXAIR COMMON STOCK 74005P104 124 3450 SH
PRAXAIR COMMON STOCK 74005P104 11 309 SH
PREFORMED LINE PRODUCTS COMMON STOCK 740444104 770 36000 SH
PREMIER BANCORP COMMON STOCK 74046J109 114 12360 SH
PREMIER BANCORP COMMON STOCK 74046J109 3 330 SH
PREMIERE TECHNOLOGIES COMMON STOCK 74058F102 202 17750 SH
PROCTER & GAMBLE COMMON STOCK 742718109 35198 359391 SH
PROCTER & GAMBLE COMMON STOCK 742718109 960 9807 SH
PROCTER & GAMBLE COMMON STOCK 742718109 10230 104451 SH
PROGRESSIVE COMMON STOCK 743315103 319 2222 SH
PROGRESSIVE COMMON STOCK 743315103 60 418 SH
PROVIDIAN FINANCIAL COMMON STOCK 74406A102 487 4430 SH
PUBLIC SERVICE COMMON STOCK 744516105 175 6153 SH
PUBLIC SERVICE COMMON STOCK 744516105 40 1400 SH
PUBLIC SERVICE ENTERPRISE COMMON STOCK 744573106 2916 76368 SH
PUBLIC SERVICE ENTERPRISE COMMON STOCK 744573106 276 7218 SH
PUBLIC SERVICE ENTERPRISE COMMON STOCK 744573106 1856 48596 SH
QUADRAMED COMMON STOCK 74730W101 148 19348 SH
QUAKER OATS COMMON STOCK 747402105 482 7740 SH
QUAKER OATS COMMON STOCK 747402105 117 1878 SH
QUAKER OATS COMMON STOCK 747402105 101 1620 SH
QUALCOMM COMMON STOCK 747525103 560 4500 SH
QUALCOMM COMMON STOCK 747525103 75 600 SH
QUARTERDECK COMMON STOCK 747712107 42 80000 SH
QUESTAR COMMON STOCK 748356102 461 27200 SH
QUINTILES TRANSNATIONAL COMMON STOCK 748767100 286 7579 SH
QWEST COMMUNICATIONS INTL COMMON STOCK 749121109 2167 30062 SH
QWEST COMMUNICATIONS INTL COMMON STOCK 749121109 14 200 SH
RAINFOREST CAFE COMMON STOCK 75086K104 109 21600 SH
RALSTON-RALSTON PURINA GROUP COMMON STOCK 751277302 56 2091 SH
RALSTON-RALSTON PURINA GROUP COMMON STOCK 751277302 203 7596 SH
RAYTHEON COMMON STOCK 755111408 521 8880 SH
RAYTHEON COMMON STOCK 755111408 23 400 SH
RAYTHEON COMMON STOCK 755111408 1055 18000 SH
READERS DIGEST FIN TR CONVERTIBLE PRE 755271202 1893 59500 SH
READERS DIGEST FIN TR CONVERTIBLE PRE 755271202 32 1000 SH
RELIANCE GROUP HLDGS COMMON STOCK 759464100 81 10500 SH
RELIANT ENERGY COMMON STOCK 75952J108 114 4388 SH
RELIANT ENERGY COMMON STOCK 75952J108 26 1000 SH
RELIANT ENERGY COMMON STOCK 75952J108 128 4900 SH
REPSOL SA SPONSORED ADR COMMON STOCK 76026T205 181 3525 SH
REPSOL SA SPONSORED ADR COMMON STOCK 76026T205 51 1000 SH
REYNOLDS METALS COMMON STOCK 761763101 1788 37000 SH
RHONE-POULENC SA COMMON STOCK 762426609 255 5800 SH
ROCKWELL INTL COMMON STOCK 773903109 227 5356 SH
ROCKWELL INTL COMMON STOCK 773903109 51 1200 SH
ROCKWELL INTL COMMON STOCK 773903109 195 4600 SH
ROCKWELL INTL COMMON STOCK 773903109 64 1517 SH
ROSECAP COMMON STOCK 777323106 40 26660 SH
ROSECAP COMMON STOCK 777323106 60 40000 SH
ROYAL DUTCH PETE COMMON STOCK 780257804 14317 275322 SH
ROYAL DUTCH PETE COMMON STOCK 780257804 167 3220 SH
ROYAL DUTCH PETE COMMON STOCK 780257804 4370 84032 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 18848 399428 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 601 12746 SH
SBC COMMUNICATIONS COMMON STOCK 78387G103 5261 111481 SH
S&P 500 DEPOSITARY RECEIPT COMMON STOCK 78462F103 455 3548 SH
S&P 500 DEPOSITARY RECEIPT COMMON STOCK 78462F103 26 200 SH
SAFEWAY COMMON STOCK 786514208 5592 108976 SH
SAFEWAY COMMON STOCK 786514208 18 350 SH
ST PAUL COMMON STOCK 792860108 2609 83988 SH
ST PAUL COMMON STOCK 792860108 19 600 SH
SALOMON BROTHERS FUND MUTUAL FUNDS-EQ 795477108 126 7081 SH
SALOMON BROTHERS FUND MUTUAL FUNDS-EQ 795477108 86 4836 SH
SARA LEE COMMON STOCK 803111103 11643 470414 SH
SARA LEE COMMON STOCK 803111103 25 1000 SH
SARA LEE COMMON STOCK 803111103 843 34070 SH
SASSOON INTL COMMON STOCK 803869106 0 12500 SH
SCHERING PLOUGH COMMON STOCK 806605101 34430 623167 SH
SCHERING PLOUGH COMMON STOCK 806605101 2119 38361 SH
SCHERING PLOUGH COMMON STOCK 806605101 6546 118471 SH
SCHLUMBERGER COMMON STOCK 806857108 8232 136766 SH
SCHLUMBERGER COMMON STOCK 806857108 57 950 SH
SCHLUMBERGER COMMON STOCK 806857108 1031 17129 SH
SCHWAB CHARLES NEW COMMON STOCK 808513105 3941 41000 SH
SCHWAB CHARLES NEW COMMON STOCK 808513105 58 600 SH
SEAGRAMS COMMON STOCK 811850106 390 7805 SH
SEARS COMMON STOCK 812387108 1619 35824 SH
SEARS COMMON STOCK 812387108 50 1100 SH
SEARS COMMON STOCK 812387108 302 6689 SH
SELECTIVE INSURANCE COMMON STOCK 816300107 264 15000 SH
SELECTIVE INSURANCE COMMON STOCK 816300107 200 11340 SH
SEMPRA ENERGY COMMON STOCK 816851109 169 8822 SH
SEMPRA ENERGY COMMON STOCK 816851109 64 3343 SH
SERVICE CORP INTL COMMON STOCK 817565104 1108 77730 SH
SERVICE CORP INTL COMMON STOCK 817565104 19 1300 SH
SERVICE CORP INTL COMMON STOCK 817565104 274 19250 SH
SHELL COMMON STOCK 822703609 256 6300 SH
SHELL COMMON STOCK 822703609 48 1176 SH
SHERWIN-WILLIAMS COMMON STOCK 824348106 1835 65232 SH
SHERWIN-WILLIAMS COMMON STOCK 824348106 270 9600 SH
SKYLANDS COMMUNITY BANK COMMON STOCK 830918108 206 16243 SH
SMITHKLINE BEECHAM COMMON STOCK 832378301 20494 286625 SH
SMITHKLINE BEECHAM COMMON STOCK 832378301 189 2640 SH
SMITHKLINE BEECHAM COMMON STOCK 832378301 1503 21025 SH
SMITHKLINE BEECHAM COMMON STOCK 832378301 7 100 SH
SONAT COMMON STOCK 835415100 908 30255 SH
SONAT COMMON STOCK 835415100 128 4250 SH
SOUTHERN COMMON STOCK 842587107 936 40149 SH
SOUTHERN COMMON STOCK 842587107 30 1300 SH
SOUTHERN COMMON STOCK 842587107 289 12416 SH
SOUTHTRUST COMMON STOCK 844730101 188 5045 SH
SOUTHTRUST COMMON STOCK 844730101 67 1800 SH
SOUTHTRUST COMMON STOCK 844730101 56 1500 SH
SOVEREIGN BANCORP COMMON STOCK 845905108 507 41358 SH
SOVEREIGN BANCORP COMMON STOCK 845905108 52 4271 SH
SOVEREIGN BANCORP COMMON STOCK 845905108 17 1422 SH
SPRINT COMMON STOCK 852061100 566 5771 SH
SPRINT COMMON STOCK 852061100 39 400 SH
SPRINT COMMON STOCK 852061100 213 2170 SH
STAGE STORES COMMON STOCK 85254C107 73 10000 SH
STAGE STORES COMMON STOCK 85254C107 20 2700 SH
STARBUCKS COMMON STOCK 855244109 2913 103800 SH
STARBUCKS COMMON STOCK 855244109 39 1400 SH
STATE STR COMMON STOCK 857477103 362 4400 SH
STATEN IS BANCORP INC COMMON STOCK 857550107 818 47591 SH
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COMPAQ COMPUTER DEFINED 800
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COMPUTER ASSOCIATES DEFINED 200
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COMP USA SOLE 10400
COMPUWARE SOLE 45800
COMPUWARE SOLE 10000
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CORNING SOLE 13200
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DAYTON HUDSON OTHER 4200
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DELL COMPUTER SOLE 94320
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DELL COMPUTER DEFINED 5100
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DELL COMPUTER OTHER 24800
DELL COMPUTER OTHER 23756
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DISNEY WALT DEFINED 3300
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DISNEY WALT OTHER 30239
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DOVER SOLE 9200
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DOW CHEMICAL SOLE 5146
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DOW CHEMICAL OTHER 300
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DU PONT E I DE NEMOURS SOLE 23810
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DU PONT E I DE NEMOURS DEFINED 1550
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DU PONT E I DE NEMOURS OTHER 30592
DU PONT E I DE NEMOURS DEF/OTH 300
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DUKE ENERGY SOLE 16302
DUKE ENERGY SOLE 7497
DUKE ENERGY DEFINED 600
DUKE ENERGY DEFINED 850
DUKE ENERGY OTHER 3800
DUKE ENERGY OTHER 750
DUN & BRADSTREET SOLE 9921
DUN & BRADSTREET OTHER 2680
EMC SOLE 117440
EMC SOLE 7900
EMC OTHER 685
EMC OTHER 400
E'TOWN SOLE 3950
E'TOWN SOLE 582
E'TOWN OTHER 1129
E'TOWN OTHER 600
EASTMAN KODAK SOLE 8556
EASTMAN KODAK SOLE 1975
EASTMAN KODAK DEFINED 500
EASTMAN KODAK OTHER 3713
EASTMAN KODAK OTHER 406
EASTMAN KODAK OTHER 925
EATON SOLE 4862
EATON SOLE 224
EATON OTHER 311
EDINBERG OTHER 82
EDISON INTERNATIONAL SOLE 7325
EDISON INTERNATIONAL SOLE 1030
EDISON INTERNATIONAL OTHER 600
EDISON INTERNATIONAL OTHER 1200
EL PASO ENERGY SOLE 29000
EL PASO ENERGY DEL SOLE 23056
EL PASO ENERGY DEL OTHER 248
ELAN PLC SOLE 8038
ELAN PLC OTHER 1000
ELECTRONIC ARTS SOLE 8300
ELECTRONIC ARTS SOLE 550
ELECTRONIC DATA SYSTEMS SOLE 167808
ELECTRONIC DATA SYSTEMS SOLE 18925
ELECTRONIC DATA SYSTEMS DEFINED 10595
ELECTRONIC DATA SYSTEMS DEFINED 1600
ELECTRONIC DATA SYSTEMS OTHER 23196
ELECTRONIC DATA SYSTEMS OTHER 1400
ELECTRONIC DATA SYSTEMS OTHER 5610
EMERSON ELECTRIC SOLE 197837
EMERSON ELECTRIC SOLE 5398
EMERSON ELECTRIC DEFINED 200
EMERSON ELECTRIC DEFINED 200
EMERSON ELECTRIC OTHER 24190
EMERSON ELECTRIC OTHER 20400
ENERGY EAST SOLE 2015
ENERGY EAST SOLE 8645
ENGELHARD SOLE 42087
ENGELHARD SOLE 1350
ENGELHARD DEFINED 3550
ENGELHARD OTHER 16700
ENGELHARD OTHER 10750
ENRON SOLE 414316
ENRON SOLE 22775
ENRON DEFINED 6925
ENRON DEFINED 1450
ENRON OTHER 28339
ENRON OTHER 3392
ENRON DEF/OTH 150
EQUIFAX SOLE 19150
EQUITY INCOME FUND SOLE 3542
EQUITY INCOME FUND DEFINED 634
EQUITY INCOME FUND DEFINED 100
EQUITY INCOME FUND OTHER 4927
ERICSSON SOLE 100560
ERICSSON SOLE 9910
ERICSSON DEFINED 7520
ERICSSON DEFINED 1000
ERICSSON OTHER 3600
ERICSSON OTHER 4400
ERICSSON OTHER 3500
EXXON SOLE 613014
EXXON SOLE 60444
EXXON DEFINED 24776
EXXON DEFINED 6500
EXXON OTHER 266538
EXXON OTHER 1976
EXXON OTHER 54561
FPL SOLE 113076
FPL SOLE 5850
FPL DEFINED 600
FPL DEFINED 100
FPL OTHER 8640
FPL OTHER 700
FANNIE MAE SOLE 239298
FANNIE MAE SOLE 18050
FANNIE MAE DEFINED 500
FANNIE MAE OTHER 15025
FANNIE MAE OTHER 2300
FEDERATED INDEX TR SOLE 7267
FEDERATED INDEX TR OTHER 4204
FIDELITY SOLE 16873
FIDELITY EQUITY - INCOME FUND SOLE 847
FIDELITY EQUITY - INCOME FUND SOLE 2053
FIDELITY EQUITY - INCOME FUND OTHER 4080
FINOVA GROUP SOLE 1238
FINOVA GROUP SOLE 426
FINOVA GROUP OTHER 3000
FIRST DATA SOLE 26697
FIRST DATA SOLE 500
FIRST DATA OTHER 4000
FIRST SEC DEL OTHER 10800
FIRST SEC DEL OTHER 11250
FIRST UNION SOLE 411478
FIRST UNION SOLE 15601
FIRST UNION DEFINED 7038
FIRST UNION DEFINED 640
FIRST UNION OTHER 55983
FIRST UNION OTHER 2043
FIRST UNION OTHER 26320
FIRST UNION DEF/OTH 421
FIRST UNION SOLE 300000
FIRST VIRGINIA BANKS SOLE 3600
FIRST VIRGINIA BANKS OTHER 1125
FLEET FINL GROUP SOLE 7223
FLEET FINL GROUP OTHER 9240
FLEET FINL GROUP OTHER 7200
FLEMINGTON FUR SOLE 95734
FLEMINGTON FUR SOLE 71914
FLORIDA SOLE 8670
FLORIDA DEFINED 300
FLORIDA OTHER 5150
FLORIDA OTHER 450
FORD MOTOR DEL SOLE 51013
FORD MOTOR DEL SOLE 3100
FORD MOTOR DEL DEFINED 1000
FORD MOTOR DEL OTHER 3370
FORD MOTOR DEL OTHER 200
FORTUNE BRANDS SOLE 16880
FORTUNE BRANDS SOLE 400
FORTUNE BRANDS DEFINED 800
FORTUNE BRANDS OTHER 7448
FRANKLIN INTERNATIONAL OTHER 4316
FRANKLIN RESOURCES SOLE 108567
FRANKLIN RESOURCES SOLE 5150
FRANKLIN RESOURCES DEFINED 5649
FRANKLIN RESOURCES DEFINED 1000
FRANKLIN RESOURCES OTHER 17950
FRANKLIN RESOURCES OTHER 800
FRANKLIN RESOURCES OTHER 1207
FRONTIER SOLE 11250
FRONTIER SOLE 1000
FULTON FINL PA SOLE 60000
GPU SOLE 14685
GPU SOLE 8210
GPU DEFINED 1089
GPU DEFINED 750
GPU OTHER 32088
GPU OTHER 1950
GTE SOLE 139506
GTE SOLE 10367
GTE DEFINED 5400
GTE OTHER 56425
GTE OTHER 2650
GALLAHER GROUP SOLE 12850
GALLAHER GROUP SOLE 400
GALLAHER GROUP OTHER 5598
GALLAHER GROUP OTHER 3800
GANNETT SOLE 156040
GANNETT SOLE 4650
GANNETT DEFINED 1600
GANNETT OTHER 10700
GANNETT OTHER 400
GAP STORES SOLE 111755
GAP STORES SOLE 7450
GAP STORES DEFINED 1075
GENERAL ELECTRIC SOLE 981902
GENERAL ELECTRIC SOLE 144177
GENERAL ELECTRIC DEFINED 42220
GENERAL ELECTRIC DEFINED 13650
GENERAL ELECTRIC OTHER 315592
GENERAL ELECTRIC OTHER 2800
GENERAL ELECTRIC OTHER 145242
GENERAL ELECTRIC DEF/OTH 300
GENERAL MILLS SOLE 6900
GENERAL MILLS SOLE 2600
GENERAL MILLS DEFINED 1384
GENERAL MILLS OTHER 16820
GENERAL MILLS OTHER 2464
GENERAL MOTORS SOLE 27333
GENERAL MOTORS SOLE 1776
GENERAL MOTORS DEFINED 1162
GENERAL MOTORS OTHER 3448
GENERAL MOTORS OTHER 1700
GENERAL MOTORS SOLE 10078
GENERAL MOTORS OTHER 10
GENUINE PARTS SOLE 8700
GENUINE PARTS SOLE 900
GENUINE PARTS DEFINED 450
GENUINE PARTS OTHER 11075
GENZYME SOLE 2200
GENZYME OTHER 2800
GEORGIA PACIFIC SOLE 5328
GEORGIA PACIFIC DEFINED 400
GEORGIA PACIFIC OTHER 2400
GEORGIA PACIFIC OTHER 1600
GILLETTE SOLE 295606
GILLETTE SOLE 48315
GILLETTE DEFINED 16489
GILLETTE DEFINED 2400
GILLETTE OTHER 42005
GILLETTE OTHER 2000
GILLETTE OTHER 9985
GLAXO SOLE 233813
GLAXO SOLE 2950
GLAXO OTHER 12510
GOVERNMENT SECURITIES INCOME FD SOLE 88334
GUIDANT SOLE 1946
GUIDANT OTHER 3752
HSB GROUP SOLE 6555
HUBCO SOLE 3386
HUBCO OTHER 3297
HALLIBURTON SOLE 17880
HALLIBURTON SOLE 1000
HALLIBURTON OTHER 2800
HALLIBURTON OTHER 1600
HARLEY DAVIDSON SOLE 94040
HARLEY DAVIDSON SOLE 4000
HARLEY DAVIDSON DEFINED 400
HARSCO SOLE 14846
HARTFORD FINANCIAL SERVICES SOLE 22054
HARTFORD FINANCIAL SERVICES DEFINED 1508
HARTFORD FINANCIAL SERVICES OTHER 8980
HARTFORD FINANCIAL SERVICES OTHER 1000
THE HARVILL PRESS LIMITED OTHER 18625
HEINEKEN NV ADR SOLE 6500
HEINZ H J SOLE 24690
HEINZ H J SOLE 2450
HEINZ H J DEFINED 1750
HEINZ H J DEFINED 300
HEINZ H J OTHER 15065
HEINZ H J OTHER 2350
HELIX TECHNOLOGY OTHER 7800
HELIX TECHNOLOGY OTHER 7200
HERCULES SOLE 16129
HERCULES OTHER 2700
HERSHEY FOODS SOLE 15367
HERSHEY FOODS SOLE 1525
HERSHEY FOODS DEFINED 600
HERSHEY FOODS OTHER 5900
HERSHEY FOODS OTHER 3000
HEWLETT PACKARD SOLE 245765
HEWLETT PACKARD SOLE 10060
HEWLETT PACKARD DEFINED 1885
HEWLETT PACKARD DEFINED 1500
HEWLETT PACKARD OTHER 44202
HEWLETT PACKARD OTHER 4050
HEWLETT PACKARD DEF/OTH 200
HOLLINGER INTERNATIONAL SOLE 100000
HOME DEPOT SOLE 339211
HOME DEPOT SOLE 49614
HOME DEPOT DEFINED 17080
HOME DEPOT DEFINED 1650
HOME DEPOT OTHER 60641
HOME DEPOT OTHER 2160
HOME DEPOT OTHER 6418
HONEYWELL SOLE 33570
HONEYWELL OTHER 2250
HOOPER HOLMES SOLE 15000
HOSPITALITY PPTYS TR SOLE 19700
HOSPITALITY PPTYS TR SOLE 300
HOSPITALITY PPTYS TR DEFINED 400
HOSPITALITY PPTYS TR OTHER 6250
HOUSEHOLD INTERNATIONAL SOLE 79887
HOUSEHOLD INTERNATIONAL SOLE 797
HOUSEHOLD INTERNATIONAL OTHER 6323
HUBBELL SOLE 43000
IMS HEALTH SOLE 245142
IMS HEALTH SOLE 18400
IMS HEALTH DEFINED 2400
IMS HEALTH OTHER 1500
IMS HEALTH OTHER 5360
ILLINOIS TOOL WORKS SOLE 103990
ILLINOIS TOOL WORKS SOLE 8900
ILLINOIS TOOL WORKS DEFINED 600
ILLINOIS TOOL WORKS OTHER 17250
ILLINOIS TOOL WORKS OTHER 29400
INFORMIX SOLE 13000
INFORMIX DEFINED 2000
INGERSOLL RAND SOLE 63088
INGERSOLL RAND SOLE 187
INGERSOLL RAND OTHER 2100
INGERSOLL RAND SOLE 35000
INPRISE SOLE 15000
INTEL SOLE 352257
INTEL SOLE 32829
INTEL DEFINED 8046
INTEL DEFINED 1500
INTEL OTHER 50635
INTEL OTHER 600
INTEL OTHER 16208
INTL BUSINESS MACHINES SOLE 145182
INTL BUSINESS MACHINES SOLE 116438
INTL BUSINESS MACHINES DEFINED 800
INTL BUSINESS MACHINES DEFINED 4880
INTL BUSINESS MACHINES OTHER 26367
INTL BUSINESS MACHINES OTHER 7110
INTL FLAVORS & FRAGRANCES SOLE 1500
INTL FLAVORS & FRAGRANCES SOLE 4500
INTL FLAVORS & FRAGRANCES DEFINED 2500
INTERNATIONAL PAPER SOLE 19197
INTERNATIONAL PAPER OTHER 4032
INTERPUBLIC GROUP SOLE 1050
INTERPUBLIC GROUP SOLE 1800
JANUS SOLE 88532
JOHNSON & JOHNSON SOLE 455706
JOHNSON & JOHNSON SOLE 47730
JOHNSON & JOHNSON DEFINED 11922
JOHNSON & JOHNSON DEFINED 1200
JOHNSON & JOHNSON OTHER 121790
JOHNSON & JOHNSON OTHER 400
JOHNSON & JOHNSON OTHER 46047
KELLOGG SOLE 2000
KELLOGG OTHER 1800
KELLOGG OTHER 128000
KEMPER MUN BD FD SH BEN INT SOLE 17852
KEMPER GOVT SECS TR SOLE 10000
KEYCORP SOLE 8482
KEYCORP OTHER 3120
KEYCORP OTHER 200
KEYSPAN ENERGY SOLE 6154
KEYSPAN ENERGY SOLE 3116
KEYSPAN ENERGY DEFINED 2800
KEYSPAN ENERGY OTHER 1728
KIMBERLY CLARK SOLE 225697
KIMBERLY CLARK SOLE 2973
KIMBERLY CLARK DEFINED 3456
KIMBERLY CLARK OTHER 14850
KIMBERLY CLARK OTHER 400
KIMBERLY CLARK DEF/OTH 100
KIMCO REALTY SOLE 1000
KIMCO REALTY SOLE 7300
KONINKLIJKE PHILLIPS ELECTRONICSSOLE 12100
KONINKLIJKE PHILLIPS ELECTRONICSOTHER 1900
ESTEE LAUDER AUTO EXCH SEC TR IISOLE 15000
ESTEE LAUDER COMPANIES-CL A SOLE 10000
LEHMAN BROS SOLE 1939
LEHMAN BROS OTHER 2092
LEHMAN BROS OTHER 519
LILLY ELI SOLE 53858
LILLY ELI SOLE 1000
LILLY ELI OTHER 6524
LILLY ELI OTHER 2300
LIMITED SOLE 241409
LIMITED SOLE 500
LIMITED OTHER 3550
LINCOLN NATL SOLE 34000
LINEAR TECHNOLOGY SOLE 4650
LOCKHEED MARTIN SOLE 53778
LOCKHEED MARTIN SOLE 500
LOCKHEED MARTIN OTHER 800
LOEWS SOLE 4200
LOEWS OTHER 1200
LUCENT TECHNOLOGIES SOLE 412697
LUCENT TECHNOLOGIES SOLE 42673
LUCENT TECHNOLOGIES DEFINED 11943
LUCENT TECHNOLOGIES DEFINED 2482
LUCENT TECHNOLOGIES OTHER 56974
LUCENT TECHNOLOGIES OTHER 756
LUCENT TECHNOLOGIES OTHER 10137
LUCENT TECHNOLOGIES DEF/OTH 200
MBIA SOLE 1600
MBIA SOLE 2000
MBIA OTHER 200
MBNA SOLE 196986
MBNA SOLE 37901
MBNA DEFINED 13650
MBNA OTHER 13707
MBNA OTHER 4725
MCI CAPITAL I SOLE 7450
MCI CAPITAL I SOLE 500
MCI CAPITAL I DEFINED 900
MCI CAPITAL I OTHER 3700
MCI WORLDCOM SOLE 403682
MCI WORLDCOM SOLE 20220
MCI WORLDCOM DEFINED 12309
MCI WORLDCOM DEFINED 1600
MCI WORLDCOM OTHER 48106
MCI WORLDCOM OTHER 2000
MCI WORLDCOM OTHER 2641
MCI WORLDCOM DEF/OTH 100
MFS INTER INCOME TR SOLE 10287
MARSH & MCLENNAN SOLE 59675
MARSH & MCLENNAN OTHER 900
MARRIOTT INTERNATIONAL SOLE 10200
MARRIOTT INTERNATIONAL OTHER 17300
MASCO SOLE 4566
MASCO SOLE 1700
MASCO OTHER 1600
MASCO OTHER 800
MATTEL SOLE 279063
MATTEL SOLE 2700
MATTEL DEFINED 2700
MATTEL DEFINED 300
MATTEL OTHER 11593
MATTEL SOLE 57500
MAY DEPT STORES SOLE 33047
MAY DEPT STORES SOLE 2100
MAY DEPT STORES DEFINED 1500
MAY DEPT STORES DEFINED 750
MAY DEPT STORES OTHER 14554
MAY DEPT STORES OTHER 26322
MCDONALDS SOLE 52058
MCDONALDS SOLE 29600
MCDONALDS OTHER 5760
MCDONALDS OTHER 6400
MCGRAW HILL SOLE 82510
MCGRAW HILL DEFINED 500
MCGRAW HILL DEFINED 800
MCGRAW HILL OTHER 7600
MCGRAW HILL OTHER 6400
MCKESSON SOLE 4424
MCKESSON HBOC SOLE 279198
MCKESSON HBOC SOLE 2000
MCKESSON HBOC OTHER 2000
MEDIAONE GROUP SOLE 15663
MEDIAONE GROUP SOLE 614
MEDIAONE GROUP DEFINED 36
MEDIAONE GROUP OTHER 8513
MEDIAONE GROUP OTHER 292
MEDTRONICS SOLE 1496
MEDTRONICS SOLE 4000
MEDTRONICS DEFINED 500
MEDTRONICS OTHER 200
MELLON BANK SOLE 40490
MELLON BANK SOLE 2300
MELLON BANK OTHER 21500
MERCK SOLE 789160
MERCK SOLE 387570
MERCK DEFINED 21630
MERCK DEFINED 2676
MERCK OTHER 212586
MERCK OTHER 404480
MERCK OTHER 98270
MERCK DEF/OTH 300
MERRILL LYNCH SOLE 16590
MERRILL LYNCH SOLE 400
MERRILL LYNCH OTHER 3470
MICHIGAN ST HIGHER ED STUDENT SOLE 950000
MICROSOFT SOLE 684335
MICROSOFT SOLE 85356
MICROSOFT DEFINED 17646
MICROSOFT DEFINED 3950
MICROSOFT OTHER 107722
MICROSOFT OTHER 2800
MICROSOFT OTHER 49117
MINNESOTA MNG & MFG SOLE 103592
MINNESOTA MNG & MFG SOLE 7032
MINNESOTA MNG & MFG DEFINED 2300
MINNESOTA MNG & MFG OTHER 22670
MINNESOTA MNG & MFG OTHER 3600
MOBIL SOLE 266203
MOBIL SOLE 20748
MOBIL DEFINED 7920
MOBIL DEFINED 2500
MOBIL OTHER 43468
MOBIL OTHER 1940
MOBIL OTHER 22840
MOBIL DEF/OTH 410
MONSANTO SOLE 62145
MONSANTO SOLE 5350
MONSANTO OTHER 23550
MONSANTO OTHER 8000
MONSANTO SOLE 76600
MONSANTO SOLE 400
MORGAN J P SOLE 97513
MORGAN J P SOLE 7800
MORGAN J P DEFINED 1050
MORGAN J P DEFINED 600
MORGAN J P OTHER 21695
MORGAN J P OTHER 5400
MORGAN STANLEY SOLE 108428
MORGAN STANLEY SOLE 4463
MORGAN STANLEY DEFINED 2245
MORGAN STANLEY DEFINED 500
MORGAN STANLEY OTHER 5185
MORGAN STANLEY OTHER 120
MOTOROLA SOLE 179948
MOTOROLA SOLE 6500
MOTOROLA DEFINED 3950
MOTOROLA OTHER 15600
MOTOROLA OTHER 800
MOTOROLA OTHER 2800
NL INDUSTRIES SOLE 440
NL INDUSTRIES OTHER 14422
NATIONAL FUEL GAS SOLE 5800
NATIONAL FUEL GAS SOLE 1600
NATIONAL FUEL GAS DEFINED 300
NATIONAL FUEL GAS OTHER 4880
NATIONAL FUEL GAS OTHER 800
NATIONAL WESTMINSTER BANK PLC SOLE 5559
NATIONAL WESTMINSTER BANK PLC DEFINED 1141
NATIONAL WESTMINSTER BANK PLC OTHER 2000
NETWORK ASSOCIATES SOLE 9125
NETWORK ASSOCIATES SOLE 375
NETWORK ASSOCIATES OTHER 300
NESTLE S A SOLE 17500
NESTLE S A SOLE 1100
NESTLE S A OTHER 1900
NEW JERSEY RESOURCES SOLE 7571
NEW JERSEY RESOURCES SOLE 100
NEW JERSEY RESOURCES DEFINED 1600
NEWELL FINL TR I SOLE 35000
NEWELL RUBBERMAID SOLE 12001
NEWELL RUBBERMAID DEFINED 3942
NEWELL RUBBERMAID OTHER 1000
NOKIA SOLE 116905
NOKIA SOLE 6200
NOKIA DEFINED 400
NOKIA OTHER 5800
NOKIA OTHER 800
NORFOLK SOUTHERN SOLE 218660
NORFOLK SOUTHERN SOLE 7600
NORFOLK SOUTHERN DEFINED 4500
NORFOLK SOUTHERN OTHER 6875
NORFOLK SOUTHERN OTHER 7680
NORTH AMERICAN TRAINING SOLE 39217
NORTHERN TRUST SOLE 145394
NORTHERN TRUST SOLE 10255
NORTHERN TRUST DEFINED 4012
NORTHERN TRUST DEFINED 600
NORTHERN TRUST OTHER 12454
NORTHERN TRUST OTHER 400
NORTHERN TRUST OTHER 1821
NOVACARE SOLE 13200
NUVEEN MUN MKT OPPORTUNITY FD SOLE 7589
NUVEEN MUN MKT OPPORTUNITY FD OTHER 6000
OMNICOM GROUP SOLE 2600
OMNICOM GROUP OTHER 700
ORACLE SOLE 14130
ORACLE OTHER 4912
ORACLE OTHER 87
ORANGE & ROCKLAND UTILS SOLE 760
ORANGE & ROCKLAND UTILS DEFINED 3000
ORANGE & ROCKLAND UTILS OTHER 280
PECO ENERGY SOLE 8222
PECO ENERGY SOLE 2038
PECO ENERGY OTHER 300
PG&E SOLE 2480
PG&E SOLE 1700
PG&E OTHER 2550
PG&E OTHER 561
PIMCO ADVISORS HLGS L P SOLE 7875
PIMCO ADVISORS HLGS L P DEFINED 1854
PIMCO ADVISORS HLGS L P OTHER 17768
PNC BANK SOLE 22221
PNC BANK SOLE 1800
PNC BANK DEFINED 1149
PNC BANK OTHER 4075
PNC BANK OTHER 717
P P & L RES SOLE 64887
P P & L RES SOLE 10672
P P & L RES DEFINED 400
P P & L RES OTHER 12506
P P & L RES OTHER 600
PPG SOLE 55386
PPG SOLE 1400
PPG DEFINED 1600
PPG OTHER 11286
PPG OTHER 1700
PSS WORLD MEDICAL INC SOLE 10000
PACIFIC GATEWAY EXCHANGE SOLE 7000
PAGING PARTNERS SOLE 10000
PARAMETRIC TECHNOLOGY SOLE 16200
PARDEE RESOURCES SOLE 11400
PARKER HANNIFIN SOLE 14049
PAYCHEX SOLE 41935
PAYCHEX SOLE 12753
PAYCHEX OTHER 3876
PENNEY J C SOLE 47779
PENNEY J C SOLE 1950
PENNEY J C DEFINED 1500
PENNEY J C DEFINED 150
PENNEY J C OTHER 700
PENNZOIL-QUAKER ST SOLE 3007
PENNZOIL-QUAKER ST OTHER 6896
PENNZOIL-QUAKER ST OTHER 6560
PEOPLES BANCORP DEL SOLE 19503
PEPSICO SOLE 443194
PEPSICO SOLE 28924
PEPSICO DEFINED 8740
PEPSICO OTHER 118178
PEPSICO OTHER 1800
PEPSICO OTHER 38840
PHARMACIA & UPJOHN SOLE 64507
PHARMACIA & UPJOHN OTHER 185
PHARMACIA & UPJOHN OTHER 1250
PFIZER SOLE 437903
PFIZER SOLE 29200
PFIZER DEFINED 10902
PFIZER DEFINED 3900
PFIZER OTHER 118057
PFIZER OTHER 400
PFIZER OTHER 28234
PHILIP MORRIS SOLE 119466
PHILIP MORRIS SOLE 20908
PHILIP MORRIS DEFINED 9970
PHILIP MORRIS OTHER 109715
PHILIP MORRIS OTHER 1500
PHILIP MORRIS OTHER 29762
PHILLIPS PETE SOLE 3760
PHILLIPS PETE OTHER 1525
PIER 1 IMPORTS SOLE 20000
PIER 1 IMPORTS OTHER 4000
PIERCING PAGODA SOLE 16200
PIONEER HI BRED INTL SOLE 7200
PIONEER HI BRED INTL SOLE 1800
PIONEER HI BRED INTL OTHER 2700
PITNEY BOWES SOLE 27580
PITNEY BOWES SOLE 3200
PITNEY BOWES DEFINED 800
PITNEY BOWES OTHER 6200
PLUCKEMIN CORNER OTHER 48
PRAXAIR SOLE 29445
PRAXAIR SOLE 700
PRAXAIR DEFINED 600
PRAXAIR OTHER 3450
PRAXAIR DEF/OTH 309
PREFORMED LINE PRODUCTS SOLE 36000
PREMIER BANCORP SOLE 12360
PREMIER BANCORP OTHER 330
PREMIERE TECHNOLOGIES SOLE 17750
PROCTER & GAMBLE SOLE 332727
PROCTER & GAMBLE SOLE 26664
PROCTER & GAMBLE DEFINED 9807
PROCTER & GAMBLE OTHER 73305
PROCTER & GAMBLE OTHER 2000
PROCTER & GAMBLE OTHER 29146
PROGRESSIVE SOLE 2222
PROGRESSIVE OTHER 418
PROVIDIAN FINANCIAL OTHER 1298
PROVIDIAN FINANCIAL OTHER 3132
PUBLIC SERVICE SOLE 5853
PUBLIC SERVICE SOLE 300
PUBLIC SERVICE OTHER 1400
PUBLIC SERVICE ENTERPRISE SOLE 71403
PUBLIC SERVICE ENTERPRISE SOLE 4965
PUBLIC SERVICE ENTERPRISE DEFINED 5279
PUBLIC SERVICE ENTERPRISE DEFINED 1939
PUBLIC SERVICE ENTERPRISE OTHER 38584
PUBLIC SERVICE ENTERPRISE OTHER 10012
QUADRAMED SOLE 19348
QUAKER OATS SOLE 6740
QUAKER OATS SOLE 1000
QUAKER OATS DEFINED 1878
QUAKER OATS OTHER 1620
QUALCOMM SOLE 3500
QUALCOMM SOLE 1000
QUALCOMM OTHER 600
QUARTERDECK SOLE 45000
QUARTERDECK SOLE 35000
QUESTAR OTHER 13200
QUESTAR OTHER 14000
QUINTILES TRANSNATIONAL SOLE 7579
QWEST COMMUNICATIONS INTL SOLE 30062
QWEST COMMUNICATIONS INTL OTHER 200
RAINFOREST CAFE SOLE 21600
RALSTON-RALSTON PURINA GROUP SOLE 2091
RALSTON-RALSTON PURINA GROUP OTHER 7596
RAYTHEON SOLE 8080
RAYTHEON SOLE 800
RAYTHEON DEFINED 400
RAYTHEON OTHER 3300
RAYTHEON OTHER 14700
READERS DIGEST FIN TR SOLE 59500
READERS DIGEST FIN TR OTHER 1000
RELIANCE GROUP HLDGS SOLE 10500
RELIANT ENERGY SOLE 4388
RELIANT ENERGY DEFINED 1000
RELIANT ENERGY OTHER 3400
RELIANT ENERGY OTHER 1500
REPSOL SA SPONSORED ADR SOLE 3525
REPSOL SA SPONSORED ADR OTHER 1000
REYNOLDS METALS SOLE 37000
RHONE-POULENC SA SOLE 5800
ROCKWELL INTL SOLE 5356
ROCKWELL INTL DEFINED 1200
ROCKWELL INTL OTHER 1900
ROCKWELL INTL OTHER 2700
ROCKWELL INTL DEF/OTH 1517
ROSECAP SOLE 26660
ROSECAP OTHER 40000
ROYAL DUTCH PETE SOLE 258722
ROYAL DUTCH PETE SOLE 16600
ROYAL DUTCH PETE DEFINED 3220
ROYAL DUTCH PETE OTHER 71032
ROYAL DUTCH PETE OTHER 13000
SBC COMMUNICATIONS SOLE 367958
SBC COMMUNICATIONS SOLE 31470
SBC COMMUNICATIONS DEFINED 12346
SBC COMMUNICATIONS DEFINED 400
SBC COMMUNICATIONS OTHER 105031
SBC COMMUNICATIONS OTHER 6450
S&P 500 DEPOSITARY RECEIPT SOLE 1440
S&P 500 DEPOSITARY RECEIPT SOLE 2108
S&P 500 DEPOSITARY RECEIPT OTHER 200
SAFEWAY SOLE 105676
SAFEWAY SOLE 3300
SAFEWAY OTHER 350
ST PAUL SOLE 79412
ST PAUL SOLE 4576
ST PAUL OTHER 600
SALOMON BROTHERS FUND SOLE 7081
SALOMON BROTHERS FUND OTHER 4836
SARA LEE SOLE 449114
SARA LEE SOLE 21300
SARA LEE DEFINED 1000
SARA LEE OTHER 19100
SARA LEE OTHER 2970
SARA LEE OTHER 12000
SASSOON INTL DEFINED 12500
SCHERING PLOUGH SOLE 422329
SCHERING PLOUGH SOLE 200838
SCHERING PLOUGH DEFINED 33294
SCHERING PLOUGH DEFINED 5067
SCHERING PLOUGH OTHER 90727
SCHERING PLOUGH OTHER 27744
SCHLUMBERGER SOLE 127340
SCHLUMBERGER SOLE 9426
SCHLUMBERGER DEFINED 950
SCHLUMBERGER OTHER 15354
SCHLUMBERGER OTHER 1775
SCHWAB CHARLES NEW SOLE 41000
SCHWAB CHARLES NEW OTHER 600
SEAGRAMS OTHER 7805
SEARS SOLE 34824
SEARS SOLE 1000
SEARS DEFINED 600
SEARS DEFINED 500
SEARS OTHER 6689
SELECTIVE INSURANCE SOLE 15000
SELECTIVE INSURANCE OTHER 11340
SEMPRA ENERGY SOLE 8822
SEMPRA ENERGY OTHER 1651
SEMPRA ENERGY OTHER 1692
SERVICE CORP INTL SOLE 61330
SERVICE CORP INTL SOLE 16400
SERVICE CORP INTL DEFINED 1300
SERVICE CORP INTL OTHER 18150
SERVICE CORP INTL OTHER 1100
SHELL SOLE 2400
SHELL SOLE 3900
SHELL OTHER 1176
SHERWIN-WILLIAMS SOLE 65232
SHERWIN-WILLIAMS OTHER 9600
SKYLANDS COMMUNITY BANK SOLE 16243
SMITHKLINE BEECHAM SOLE 283925
SMITHKLINE BEECHAM SOLE 2700
SMITHKLINE BEECHAM DEFINED 2640
SMITHKLINE BEECHAM OTHER 21025
SMITHKLINE BEECHAM DEF/OTH 100
SONAT SOLE 30255
SONAT OTHER 4250
SOUTHERN SOLE 33663
SOUTHERN SOLE 6486
SOUTHERN DEFINED 800
SOUTHERN DEFINED 500
SOUTHERN OTHER 8666
SOUTHERN OTHER 3750
SOUTHTRUST SOLE 4295
SOUTHTRUST SOLE 750
SOUTHTRUST DEFINED 1800
SOUTHTRUST OTHER 1500
SOVEREIGN BANCORP SOLE 30086
SOVEREIGN BANCORP SOLE 11272
SOVEREIGN BANCORP DEFINED 1200
SOVEREIGN BANCORP DEFINED 3071
SOVEREIGN BANCORP OTHER 1152
SOVEREIGN BANCORP OTHER 270
SPRINT SOLE 5771
SPRINT DEFINED 400
SPRINT OTHER 2170
STAGE STORES SOLE 10000
STAGE STORES OTHER 2700
STARBUCKS SOLE 91800
STARBUCKS SOLE 12000
STARBUCKS OTHER 1400
STATE STR SOLE 4400
STATEN IS BANCORP INC SOLE 47591
STATEN IS BANCORP INC OTHER 5503
STEWART ENTERPRISES SOLE 13300
STEWART ENTERPRISES SOLE 12000
SUIZA FOODS SOLE 6400
SUMMIT BANCORP SOLE 5277824
SUMMIT BANCORP SOLE 89468
SUMMIT BANCORP DEFINED 178542
SUMMIT BANCORP DEFINED 9653
SUMMIT BANCORP OTHER 592691
SUMMIT BANCORP OTHER 3442
SUMMIT BANCORP OTHER 124024
SUMMIT BANCORP DEF/OTH 14300
SUN MICROSYSTEMS SOLE 8107
SUN MICROSYSTEMS OTHER 1672
SUNGARD DATA SYSTEM SOLE 15500
SUNGARD DATA SYSTEM OTHER 500
SYQUEST TECHNOLOGY SOLE 21750
SYSCO SOLE 52388
SYSCO SOLE 8400
SYSCO DEFINED 3800
SYSCO OTHER 11968
SYSCO OTHER 19800
TECO ENERGY SOLE 88
TECO ENERGY OTHER 12600
TEPPCO PARTNERS LP SOLE 8000
TEPPCO PARTNERS LP OTHER 2800
T-NETIX SOLE 117267
TRW SOLE 3560
TRW SOLE 1600
TECH DATA SOLE 13950
TECH DATA SOLE 700
TEKTRONIX SOLE 6525
TEKTRONIX SOLE 3750
TEKTRONIX OTHER 2325
A T & T SH OTHER 1400
TEXACO SOLE 84774
TEXACO SOLE 7484
TEXACO DEFINED 3584
TEXACO DEFINED 2000
TEXACO OTHER 13280
TEXACO OTHER 1300
TEXAS INSTRUMENTS SOLE 38700
TEXAS INSTRUMENTS SOLE 10200
TEXAS INSTRUMENTS DEFINED 500
TEXAS INSTRUMENTS OTHER 800
TEXAS INSTRUMENTS OTHER 200
TEXAS PACIFIC LAND TR SOLE 4000
TEXAS UTILS SOLE 9152
TEXAS UTILS DEFINED 1000
TEXAS UTILS OTHER 14141
TEXAS UTILS OTHER 9250
TEXTRON SOLE 172767
TEXTRON SOLE 2000
TEXTRON OTHER 3700
THOMAS & BETTS SOLE 123770
THOMAS & BETTS SOLE 2400
THOMAS & BETTS DEFINED 300
THOMAS & BETTS OTHER 130230
3 COM SOLE 57230
3 COM SOLE 800
3 COM DEFINED 1800
3 COM OTHER 9350
3 COM OTHER 75
TIME WARNER SOLE 233240
TIME WARNER SOLE 2100
TIME WARNER DEFINED 600
TIME WARNER OTHER 14350
TIME WARNER OTHER 600
TRIARC SOLE 12500
TRICON GLOBAL RESTAURANTS SOLE 10564
TRICON GLOBAL RESTAURANTS SOLE 602
TRICON GLOBAL RESTAURANTS DEFINED 230
TRICON GLOBAL RESTAURANTS OTHER 4087
TRICON GLOBAL RESTAURANTS OTHER 180
TRICON GLOBAL RESTAURANTS OTHER 1054
TYCO INTL SOLE 217180
TYCO INTL SOLE 13996
TYCO INTL DEFINED 7598
TYCO INTL DEFINED 950
TYCO INTL OTHER 18209
TYCO INTL OTHER 2945
USX SOLE 8117
UNUM SOLE 14200
UNUM SOLE 1200
UNUM DEFINED 100
UNUM OTHER 400
UNUM OTHER 200
USG SOLE 4305
UNILEVER N V NEW YORK SHS SOLE 12647
UNILEVER N V NEW YORK SHS OTHER 10075
UNION PACIFIC SOLE 186739
UNION PACIFIC SOLE 1300
UNION PACIFIC DEFINED 1200
UNION PACIFIC DEFINED 400
UNION PACIFIC OTHER 20400
UNION PACIFIC OTHER 200
UNION PAC CAP TR SOLE 30000
UNION PAC RES GROUP SOLE 72723
UNION PAC RES GROUP SOLE 169
UNION PAC RES GROUP DEFINED 338
UNION PAC RES GROUP OTHER 2863
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
UNITED STATES FILTER SOLE 1100000
U S INDUSTRIES SOLE 61750
U S WEST NEW SOLE 31178
U S WEST NEW SOLE 5196
U S WEST NEW DEFINED 3732
U S WEST NEW OTHER 24541
U S WEST NEW OTHER 3599
UNITED TECHNOLOGIES SOLE 161446
UNITED TECHNOLOGIES SOLE 4700
UNITED TECHNOLOGIES DEFINED 100
UNITED TECHNOLOGIES OTHER 10720
UNITED TECHNOLOGIES OTHER 100
UNITED TECHNOLOGIES DEF/OTH 200
UNITED WTR RESOURCES SOLE 24451
UNITED WTR RESOURCES DEFINED 1000
UNITED WTR RESOURCES OTHER 1687
VALLEY NATL BANCORP SOLE 22006
VALLEY NATL BANCORP DEFINED 221
VANGUARD FIXED SECS FD SOLE 224184
VANGUARD FIXED SECS FD SOLE 30694
VANGUARD FIXED SECS FD DEFINED 6344
VANGUARD FIXED SECS FD OTHER 13194
VANGUARD FIXED SECS FD OTHER 3727
VARIAN ASSOCIATES SOLE 5550
VARIAN ASSOCIATES SOLE 3200
VARIAN ASSOCIATES OTHER 500
VERIDIEN CORP OTHER 40000
VIACOM SOLE 1895
VIACOM DEFINED 600
VIAD SOLE 486
VIAD SOLE 852
VIAD DEFINED 1000
VIAD OTHER 400
VIAD OTHER 6000
VORNADO RLTY TR SOLE 100
VORNADO RLTY TR SOLE 6000
WACHOVIA SOLE 3270
WACHOVIA OTHER 3050
WAL MART SOLE 115959
WAL MART SOLE 24650
WAL MART OTHER 27900
WAL MART OTHER 27320
WALGREEN SOLE 202800
WALGREEN SOLE 9832
WALGREEN DEFINED 800
WARNER LAMBERT SOLE 241783
WARNER LAMBERT SOLE 20382
WARNER LAMBERT DEFINED 9490
WARNER LAMBERT DEFINED 1150
WARNER LAMBERT OTHER 85557
WARNER LAMBERT OTHER 881
WASHINGTON MUTUAL SOLE 38264
WASHINGTON MUTUAL OTHER 2750
WASTE MANAGEMENT SOLE 1833
WASTE MANAGEMENT SOLE 398
WASTE MANAGEMENT DEFINED 362
WASTE MANAGEMENT OTHER 1159
WASTE MANAGEMENT OTHER 3770
WATSON PHARMACEUTICALS SOLE 8350
WATSON PHARMACEUTICALS OTHER 11
WELLS FARGO NEW SOLE 68070
WELLS FARGO NEW SOLE 9100
WELLS FARGO NEW DEFINED 400
WELLS FARGO NEW OTHER 5900
WELLS FARGO NEW OTHER 1700
WESTERN RESOURCES SOLE 300
WESTERN RESOURCES SOLE 6000
WESTERN RESOURCES DEFINED 400
WESTERN RESOURCES OTHER 3000
WEYERHAEUSER SOLE 1450
WEYERHAEUSER OTHER 2150
WEYERHAEUSER OTHER 1600
WHIRLPOOL SOLE 17530
WHIRLPOOL DEFINED 300
WHIRLPOOL OTHER 3810
WILLIAMS COS SOLE 108887
WILLIAMS COS OTHER 10000
WILMINGTON TRUST SOLE 9000
WILMINGTON TRUST DEFINED 4800
WISCONSIN ENERGY SOLE 12645
WISCONSIN ENERGY SOLE 2400
WISCONSIN ENERGY OTHER 5550
WISCONSIN ENERGY OTHER 500
WRIGLEY WM JR SOLE 14957
WRIGLEY WM JR SOLE 3600
XEROX SOLE 49770
XEROX SOLE 9400
XEROX OTHER 10636
XEROX OTHER 2500
YAHOO SOLE 21000
YAHOO OTHER 4000
BOND GROCERY SOLE 380
BLUE RIBBON LABEL OTHER 38
ENDICOTT MACHINE & TOOL SOLE 274699
SYMYX TECHNOLOGIES SOLE 16666
SYMYX TECHNOLOGIES OTHER 50000
KAY PUBLISHING OTHER 60
MURRAY HILL RACQUET CLUB SOLE 326
XL CAPITAL LTD SOLE 47092
XL CAPITAL LTD OTHER 500
SHONK LAND CO LTD PARTNERSHIP SOLE 166
UNIVERSAL REALTY CO INC OTHER 116480
KANAVY COMPUTER CORP CONV PFD SOLE 10000
</TABLE>
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