SUMMIT BANK
13F-HR, 2000-07-28
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[DESCRIPTION]           FORM 13F
                                                 UNITED STATES
                                       SECURITIES AND EXCHANGE COMMISSION
                                            Washington, D.C.  20549
                                                    FORM 13F
                                              FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: 06/30/2000

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    07/24/2000

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:           929
Form 13F Information Table Value Total:           $ 3,270,701

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          64        10000 SH
  ADC TELECOMMUNICATIONS           COMMON STOCK    000886101         604         7200 SH
  AT&T                             COMMON STOCK    001957109       13040       412330 SH
  AT&T                             COMMON STOCK    001957109         681        21539 SH
  AT&T                             COMMON STOCK    001957109        2507        79278 SH
  AT&T                             COMMON STOCK    001957406         112         4000 SH
  AT&T                             COMMON STOCK    001957406          95         3400 SH
  AXA FINL                         COMMON STOCK    002451102         763        22450 SH
  AXA FINL                         COMMON STOCK    002451102           7          200 SH
  ABBOTT LABS                      COMMON STOCK    002824100        5943       133355 SH
  ABBOTT LABS                      COMMON STOCK    002824100         147         3300 SH
  ABBOTT LABS                      COMMON STOCK    002824100        5299       118910 SH
  ACCLAIM ENMNT                    COMMON STOCK    004325205          22        15000 SH
  ADVANCED EVIR RECYL TECHNOLOGIES COMMON STOCK    007947104          22        10000 SH
  AETNA                            COMMON STOCK    008117103         173         2700 SH
  AETNA                            COMMON STOCK    008117103         103         1600 SH
  AGILENT TECHNOLOGIES             COMMON STOCK    00846U101        6675        90508 SH
  AGILENT TECHNOLOGIES             COMMON STOCK    00846U101          65          887 SH
  AGILENT TECHNOLOGIES             COMMON STOCK    00846U101        1426        19337 SH
  AGILENT TECHNOLOGIES             COMMON STOCK    00846U101           6           76 SH
  AIR PRODUCTS & CHEMICALS         COMMON STOCK    009158106        1025        33270 SH
  AIR PRODUCTS & CHEMICALS         COMMON STOCK    009158106          62         2000 SH
  ALCOA                            COMMON STOCK    013817101         635        21892 SH
  ALCOA                            COMMON STOCK    013817101           0            4 SH
  ALLERGAN                         COMMON STOCK    018490102        1029        13808 SH
  ALLIANCE CAP MGMT HLD            COMMON STOCK    01855A101        2128        44860 SH
  ALLIANCE CAP MGMT HLD            COMMON STOCK    01855A101         498        10500 SH
  ALLIANCE CAP MGMT HLD            COMMON STOCK    01855A101        2162        45580 SH
  ALLIED IRISH BANKS PLC           COMMON STOCK    019228402         117         6600 SH
  ALLIED IRISH BANKS PLC           COMMON STOCK    019228402          91         5100 SH
  ALLSTATE                         COMMON STOCK    020002101         606        27232 SH
  ALLSTATE                         COMMON STOCK    020002101          22         1000 SH
  ALLSTATE                         COMMON STOCK    020002101         118         5314 SH
  ALLTEL                           COMMON STOCK    020039103       16034       258867 SH
  ALLTEL                           COMMON STOCK    020039103         335         5411 SH
  ALLTEL                           COMMON STOCK    020039103         655        10571 SH
  ALTERA                           COMMON STOCK    021441100         306         3000 SH
  AMCAP FD                         MUTUAL FUNDS-EQ 023375108         333        17665 SH
  AMERICA ONLINE                   COMMON STOCK    02364J104       15675       297503 SH
  AMERICA ONLINE                   COMMON STOCK    02364J104         335         6350 SH
  AMERICA ONLINE                   COMMON STOCK    02364J104        1961        37221 SH
  AMERICAN ELECTRIC POWER          COMMON STOCK    025537101         258         8710 SH
  AMERICAN ELECTRIC POWER          COMMON STOCK    025537101          67         2259 SH
  AMERICAN ELECTRIC POWER          COMMON STOCK    025537101         730        24639 SH
  AMERICAN EXPRESS                 COMMON STOCK    025816109       19367       371540 SH
  AMERICAN EXPRESS                 COMMON STOCK    025816109        3651        70046 SH
  AMERICAN GENERAL                 COMMON STOCK    026351106        2687        44050 SH
  AMERICAN GENERAL                 COMMON STOCK    026351106         152         2490 SH
  AMERICAN HOME PRODUCTS           COMMON STOCK    026609107       18860       321020 SH
  AMERICAN HOME PRODUCTS           COMMON STOCK    026609107         823        14015 SH
  AMERICAN HOME PRODUCTS           COMMON STOCK    026609107        7920       134802 SH
  AMERICAN INTL GROUP              COMMON STOCK    026874107       65068       553766 SH
  AMERICAN INTL GROUP              COMMON STOCK    026874107        2459        20931 SH
  AMERICAN INTL GROUP              COMMON STOCK    026874107       12021       102303 SH
  AMERICAN POWER CONVERSION        COMMON STOCK    029066107        3173        77750 SH
  AMERICAN POWER CONVERSION        COMMON STOCK    029066107         661        16200 SH
  AMERICAN POWER CONVERSION        COMMON STOCK    029066107         635        15550 SH
  AMGEN                            COMMON STOCK    031162100        8977       127790 SH
  AMGEN                            COMMON STOCK    031162100          56          800 SH
  AMGEN                            COMMON STOCK    031162100         988        14060 SH
  ANALOG DEVICES                   COMMON STOCK    032654105         448         5900 SH
  ANALOG DEVICES                   COMMON STOCK    032654105          33          440 SH
  ANHEUSER BUSCH                   COMMON STOCK    035229103        1464        19605 SH
  ANHEUSER BUSCH                   COMMON STOCK    035229103          60          800 SH
  ANHEUSER BUSCH                   COMMON STOCK    035229103        1106        14814 SH
  APOLLO GROUP                     COMMON STOCK    037604105         126         4500 SH
  APOLLO GROUP                     COMMON STOCK    037604105         207         7400 SH
  APPLIED MATERIALS                COMMON STOCK    038222105       19419       214280 SH
  APPLIED MATERIALS                COMMON STOCK    038222105          45          500 SH
  AQUIS COMMUNICATIONS GROUP       COMMON STOCK    038399101          11        10000 SH
  ARIBA                            COMMON STOCK    04033V104         314         3200 SH
  DAVE'S AUTO SUPPLY               COMMON STOCK    043990217         470           96 SH
  ASSOCIATES FIRST CAPITAL CRP     COMMON STOCK    046008108         250        11222 SH
  ASSOCIATES FIRST CAPITAL CRP     COMMON STOCK    046008108          23         1046 SH
  AUTODESK                         COMMON STOCK    052769106        1214        35000 SH
  AUTOMATIC DATA PROCESSING        COMMON STOCK    053015103       32582       608297 SH
  AUTOMATIC DATA PROCESSING        COMMON STOCK    053015103        1289        24058 SH
  AUTOMATIC DATA PROCESSING        COMMON STOCK    053015103        7056       131735 SH
  AVENTIS                          COMMON STOCK    053561106         254         3500 SH
  AVERY DENNISON                   COMMON STOCK    053611109        1225        18250 SH
  AVERY DENNISON                   COMMON STOCK    053611109          87         1300 SH
  AVERY DENNISON                   COMMON STOCK    053611109         134         2000 SH
  AVON PRODUCTS                    COMMON STOCK    054303102         120         2692 SH
  AVON PRODUCTS                    COMMON STOCK    054303102         338         7600 SH
  BJS WHSL CLUB                    COMMON STOCK    05548J106         394        11930 SH
  BP AMOCO PLC                     COMMON STOCK    055622104       44126       780129 SH
  BP AMOCO PLC                     COMMON STOCK    055622104        1227        21684 SH
  BP AMOCO PLC                     COMMON STOCK    055622104        9656       170720 SH
  BP AMOCO PLC                     COMMON STOCK    055622104          11          200 SH
  BSB BANCORP                      COMMON STOCK    055652101         550        27416 SH
  BANK AMER                        COMMON STOCK    060505104       10703       248913 SH
  BANK AMER                        COMMON STOCK    060505104          13          300 SH
  BANK AMER                        COMMON STOCK    060505104        1724        40082 SH
  BANK OF NY                       COMMON STOCK    064057102       36175       777961 SH
  BANK OF NY                       COMMON STOCK    064057102        3802        81766 SH
  BANK ONE                         COMMON STOCK    06423A103        6019       226603 SH
  BANK ONE                         COMMON STOCK    06423A103          27         1005 SH
  BANK ONE                         COMMON STOCK    06423A103         120         4522 SH
  BAUSCH & LOMB                    COMMON STOCK    071707103         870        11250 SH
  BAXTER INTL                      COMMON STOCK    071813109        4265        60661 SH
  BAXTER INTL                      COMMON STOCK    071813109          28          400 SH
  BAXTER INTL                      COMMON STOCK    071813109          91         1300 SH
  BECTON DICKINSON & CO            COMMON STOCK    075887109         511        17830 SH
  BECTON DICKINSON & CO            COMMON STOCK    075887109         298        10400 SH
  BED BATH & BEYOND                COMMON STOCK    075896100        6201       171050 SH
  BED BATH & BEYOND                COMMON STOCK    075896100         413        11400 SH
  BED BATH & BEYOND                COMMON STOCK    075896100         446        12300 SH
  BELL ATLANTIC                    COMMON STOCK    077853109       16941       333399 SH
  BELL ATLANTIC                    COMMON STOCK    077853109         826        16248 SH
  BELL ATLANTIC                    COMMON STOCK    077853109        8075       158913 SH
  BELLSOUTH                        COMMON STOCK    079860102       30150       707331 SH
  BELLSOUTH                        COMMON STOCK    079860102        1170        27440 SH
  BELLSOUTH                        COMMON STOCK    079860102        8600       201749 SH
  BELLSOUTH                        COMMON STOCK    079860102          17          400 SH
  BERKSHIRE                        COMMON STOCK    084670108         215            4 SH
  BERKSHIRE                        COMMON STOCK    084670207        2230         1267 SH
  BERKSHIRE                        COMMON STOCK    084670207          65           37 SH
  BERKSHIRE                        COMMON STOCK    084670207        1881         1069 SH
  BEST BUY                         COMMON STOCK    086516101        5579        88200 SH
  BESTFOODS                        COMMON STOCK    08658U101       22013       317873 SH
  BESTFOODS                        COMMON STOCK    08658U101         727        10502 SH
  BESTFOODS                        COMMON STOCK    08658U101        3246        46877 SH
  BESTFOODS                        COMMON STOCK    08658U101           7          100 SH
  BIOCONTROL TECHNOLOGY            COMMON STOCK    090586108           7        40000 SH
  BIOMET                           COMMON STOCK    090613100         216         5620 SH
  BLACK & DECKER                   COMMON STOCK    091797100         838        21320 SH
  BOEING                           COMMON STOCK    097023105         677        16182 SH
  BOEING                           COMMON STOCK    097023105          99         2374 SH
  BOISE CASCADE                    COMMON STOCK    097383103         233         9000 SH
  BRISTOL MYERS SQUIBB             COMMON STOCK    110122108       30097       516686 SH
  BRISTOL MYERS SQUIBB             COMMON STOCK    110122108        1316        22600 SH
  BRISTOL MYERS SQUIBB             COMMON STOCK    110122108       12697       217975 SH
  BRISTOL MYERS SQUIBB             COMMON STOCK    110122108           6          100 SH
  BROADWING                        COMMON STOCK    111620100         223         8600 SH
  BROADWING                        COMMON STOCK    111620100         337        13000 SH
  BURLINGTON NORTHERN SANTA FE     COMMON STOCK    12189T104        5929       258470 SH
  BURLINGTON NORTHERN SANTA FE     COMMON STOCK    12189T104          34         1500 SH
  BURLINGTON NORTHERN SANTA FE     COMMON STOCK    12189T104         185         8075 SH
  BURLINGTON RESOURCES             COMMON STOCK    122014103         232         6077 SH
  BURLINGTON RESOURCES             COMMON STOCK    122014103          58         1525 SH
  BURLINGTON RESOURCES             COMMON STOCK    122014103          91         2372 SH
  CIGNA                            COMMON STOCK    125509109        1804        19295 SH
  CIGNA                            COMMON STOCK    125509109         187         2000 SH
  CIGNA                            COMMON STOCK    125509109         683         7300 SH
  CP & L ENERGY                    COMMON STOCK    12614C106         281         8792 SH
  CP & L ENERGY                    COMMON STOCK    12614C106          13          400 SH
  CP & L ENERGY                    COMMON STOCK    12614C106          38         1200 SH
  CSX                              COMMON STOCK    126408103        1285        60626 SH
  CSX                              COMMON STOCK    126408103          38         1800 SH
  CSX                              COMMON STOCK    126408103         119         5620 SH
  CTS                              COMMON STOCK    126501105        4277        95050 SH
  CVS                              COMMON STOCK    126650100         636        15900 SH
  CVS                              COMMON STOCK    126650100         144         3600 SH
  CAMPBELL SOUP                    COMMON STOCK    134429109         322        11050 SH
  CAMPBELL SOUP                    COMMON STOCK    134429109         599        20550 SH
  CARDINAL HEALTH                  COMMON STOCK    14149Y108        1406        18994 SH
  CARNIVAL                         COMMON STOCK    143658102         769        39450 SH
  CARNIVAL                         COMMON STOCK    143658102          57         2900 SH
  CARNIVAL                         COMMON STOCK    143658102          60         3100 SH
  CATERPILLAR                      COMMON STOCK    149123101         296         8735 SH
  CATERPILLAR                      COMMON STOCK    149123101         265         7820 SH
  CENDANT                          COMMON STOCK    151313103         154        11025 SH
  CENTURYTEL                       COMMON STOCK    156700106         397        13816 SH
  CHASE MANHATTAN                  COMMON STOCK    16161A108       13585       294927 SH
  CHASE MANHATTAN                  COMMON STOCK    16161A108         283         6150 SH
  CHASE MANHATTAN                  COMMON STOCK    16161A108         405         8798 SH
  CHEVRON                          COMMON STOCK    166751107        6222        73361 SH
  CHEVRON                          COMMON STOCK    166751107         377         4440 SH
  CHEVRON                          COMMON STOCK    166751107        1226        14460 SH
  CHIRON                           COMMON STOCK    170040109        1822        38350 SH
  CHIRON                           COMMON STOCK    170040109         276         5800 SH
  CHUBB                            COMMON STOCK    171232101         560         9100 SH
  CHUBB                            COMMON STOCK    171232101        1072        17432 SH
  CIRRUS LOGIC                     COMMON STOCK    172755100         408        25500 SH
  CISCO SYSTEMS                    COMMON STOCK    17275R102       63535       999569 SH
  CISCO SYSTEMS                    COMMON STOCK    17275R102        2570        40433 SH
  CISCO SYSTEMS                    COMMON STOCK    17275R102        9714       152821 SH
  CINTAS                           COMMON STOCK    172908105         289         7880 SH
  CINTAS                           COMMON STOCK    172908105         162         4410 SH
  CINTAS                           COMMON STOCK    172908105          44         1200 SH
  CITIGROUP                        COMMON STOCK    172967101       33758       560305 SH
  CITIGROUP                        COMMON STOCK    172967101        1676        27813 SH
  CITIGROUP                        COMMON STOCK    172967101        3385        56176 SH
  CLOROX                           COMMON STOCK    189054109        1098        24498 SH
  COCA COLA                        COMMON STOCK    191216100       10885       189503 SH
  COCA COLA                        COMMON STOCK    191216100         465         8096 SH
  COCA COLA                        COMMON STOCK    191216100        9855       171582 SH
  COGNEX                           COMMON STOCK    192422103         169         3258 SH
  COGNEX                           COMMON STOCK    192422103          90         1742 SH
  COLGATE PALMOLIVE                COMMON STOCK    194162103       19356       323275 SH
  COLGATE PALMOLIVE                COMMON STOCK    194162103          90         1500 SH
  COLGATE PALMOLIVE                COMMON STOCK    194162103        2061        34425 SH
  COLUMBIA ENERGY GROUP            COMMON STOCK    197648108          10          150 SH
  COLUMBIA ENERGY GROUP            COMMON STOCK    197648108        1329        20250 SH
  COMCAST                          COMMON STOCK    200300200         822        20300 SH
  COMCAST                          COMMON STOCK    200300200          41         1000 SH
  COMDISCO INC                     COMMON STOCK    200336105        1113        49875 SH
  COMERICA                         COMMON STOCK    200340107         172         3825 SH
  COMERICA                         COMMON STOCK    200340107         246         5475 SH
  COMPAQ COMPUTER                  COMMON STOCK    204493100        2630       102884 SH
  COMPAQ COMPUTER                  COMMON STOCK    204493100          79         3100 SH
  COMPAQ COMPUTER                  COMMON STOCK    204493100         319        12490 SH
  COMPUTER ASSOCIATES              COMMON STOCK    204912109        3075        60083 SH
  COMPUTER ASSOCIATES              COMMON STOCK    204912109         174         3400 SH
  COMPUTER ASSOCIATES              COMMON STOCK    204912109         575        11232 SH
  CONAGRA                          COMMON STOCK    205887102          69         3600 SH
  CONAGRA                          COMMON STOCK    205887102           4          226 SH
  CONAGRA                          COMMON STOCK    205887102         515        27000 SH
  CONECTIV                         COMMON STOCK    206829103         216        13908 SH
  CONECTIV                         COMMON STOCK    206829103          30         1950 SH
  CONEXANT                         COMMON STOCK    207142100         174         3580 SH
  CONEXANT                         COMMON STOCK    207142100         123         2520 SH
  CONEXANT                         COMMON STOCK    207142100         316         6500 SH
  CONEXANT                         COMMON STOCK    207142100          74         1516 SH
  CONOCO                           COMMON STOCK    208251405        1918        78070 SH
  CONOCO                           COMMON STOCK    208251405          28         1137 SH
  CONOCO                           COMMON STOCK    208251405         198         8051 SH
  CONSOLIDATED EDISON              COMMON STOCK    209115104        1026        34618 SH
  CONSOLIDATED EDISON              COMMON STOCK    209115104          61         2075 SH
  CONSOLIDATED EDISON              COMMON STOCK    209115104         115         3870 SH
  CONSOLIDATED TOMOKA LD           COMMON STOCK    210226106          29         2415 SH
  CONSOLIDATED TOMOKA LD           COMMON STOCK    210226106         110         9083 SH
  CONSTELLATION ENERGY GROUP       COMMON STOCK    210371100         350        10754 SH
  CONSTELLATION ENERGY GROUP       COMMON STOCK    210371100          10          300 SH
  CONSTELLATION ENERGY GROUP       COMMON STOCK    210371100          72         2225 SH
  CONVERGYS                        COMMON STOCK    212485106         342         6600 SH
  CONVERGYS                        COMMON STOCK    212485106         674        13000 SH
  CORNING                          COMMON STOCK    219350105       12977        48085 SH
  CORNING                          COMMON STOCK    219350105         702         2600 SH
  CORNING                          COMMON STOCK    219350105        4309        15965 SH
  COX COMMUNICATIONS NEW CLASS A   COMMON STOCK    224044107         521        11436 SH
  CRIIMI MAE                       COMMON STOCK    226603108          17        12558 SH
  CYPRESS SEMICONDUCTOR            COMMON STOCK    232806109         384         9100 SH
  DANAHER                          COMMON STOCK    235851102         271         5480 SH
  DANAHER                          COMMON STOCK    235851102          79         1600 SH
  DARDEN RESTAURANTS               COMMON STOCK    237194105          31         1900 SH
  DARDEN RESTAURANTS               COMMON STOCK    237194105         171        10512 SH
  DECS TR VI                       CONVERTIBLE PRE 24366Q209        1373        20000 SH
  DEERE                            COMMON STOCK    244199105         211         5712 SH
  DEERE                            COMMON STOCK    244199105         673        18200 SH
  DELL COMPUTER                    COMMON STOCK    247025109       26232       531948 SH
  DELL COMPUTER                    COMMON STOCK    247025109        3407        69084 SH
  DELL COMPUTER                    COMMON STOCK    247025109        2139        43384 SH
  DELPHI AUTOMOTIVE SYS            COMMON STOCK    247126105         116         7950 SH
  DELPHI AUTOMOTIVE SYS            COMMON STOCK    247126105          12          811 SH
  DELPHI AUTOMOTIVE SYS            COMMON STOCK    247126105          49         3380 SH
  DISNEY WALT                      COMMON STOCK    254687106       21270       548025 SH
  DISNEY WALT                      COMMON STOCK    254687106         434        11177 SH
  DISNEY WALT                      COMMON STOCK    254687106        2745        70719 SH
  DISNEY WALT                      COMMON STOCK    254687106           6          150 SH
  DOLLAR TREE STORES               COMMON STOCK    256747106        5756       145500 SH
  DOMINION RES                     COMMON STOCK    25746U109        1083        25256 SH
  DOMINION RES                     COMMON STOCK    25746U109          19          450 SH
  DOMINION RES                     COMMON STOCK    25746U109          73         1702 SH
  DONALDSON LUFKIN & JENRETTE      COMMON STOCK    257661108        1047        24676 SH
  DONALDSON LUFKIN & JENRETTE      COMMON STOCK    257661108          72         1706 SH
  DOVER                            COMMON STOCK    260003108         539        13290 SH
  DOVER                            COMMON STOCK    260003108          81         2000 SH
  DOVER                            COMMON STOCK    260003108         143         3520 SH
  DOW CHEMICAL                     COMMON STOCK    260543103        1601        53043 SH
  DOW CHEMICAL                     COMMON STOCK    260543103          48         1575 SH
  DOW CHEMICAL                     COMMON STOCK    260543103        1873        62037 SH
  DU PONT E I DE NEMOURS           COMMON STOCK    263534109       16390       374629 SH
  DU PONT E I DE NEMOURS           COMMON STOCK    263534109         366         8367 SH
  DU PONT E I DE NEMOURS           COMMON STOCK    263534109        4798       109675 SH
  DU PONT E I DE NEMOURS           COMMON STOCK    263534109          13          300 SH
  DUKE ENERGY                      COMMON STOCK    264399106        1800        31923 SH
  DUKE ENERGY                      COMMON STOCK    264399106         192         3400 SH
  DUKE ENERGY                      COMMON STOCK    264399106         572        10150 SH
  DUKE RLTY INVTS                  COMMON STOCK    264411505         237        10610 SH
  DUN & BRADSTREET                 COMMON STOCK    26483B106         867        30297 SH
  DUN & BRADSTREET                 COMMON STOCK    26483B106          77         2680 SH
  EMC                              COMMON STOCK    268648102       40139       521714 SH
  EMC                              COMMON STOCK    268648102         621         8075 SH
  EMC                              COMMON STOCK    268648102        2777        36090 SH
  E-TEK DYNAMICS                   COMMON STOCK    269240107         646         2450 SH
  E'TOWN                           COMMON STOCK    269242103         281         4232 SH
  E'TOWN                           COMMON STOCK    269242103         115         1729 SH
  EARTHLINK                        COMMON STOCK    270321102         154        10000 SH
  EASTERN ENTERPRISES              COMMON STOCK    27637F100         224         3551 SH
  EASTERN ENTERPRISES              COMMON STOCK    27637F100           2           25 SH
  EASTMAN KODAK                    COMMON STOCK    277461109        2057        34566 SH
  EASTMAN KODAK                    COMMON STOCK    277461109         298         5008 SH
  EBAY                             COMMON STOCK    278642103         331         6100 SH
  EBAY                             COMMON STOCK    278642103          16          300 SH
  EDINBERG                         CONVERTIBLE PRE 280661992         750           82 SH
  800 TRAVEL SYS                   COMMON STOCK    282506104          20        10000 SH
  EL PASO ENERGY                   CONVERTIBLE PRE 283678209        1931        30000 SH
  EL PASO ENERGY DEL               COMMON STOCK    283905107        2231        43796 SH
  EL PASO ENERGY DEL               COMMON STOCK    283905107         397         7800 SH
  ELAN PLC                         COMMON STOCK    284131208        4369        90200 SH
  ELAN PLC                         COMMON STOCK    284131208         189         3900 SH
  ELECTRONIC DATA SYSTEMS          COMMON STOCK    285661104       11531       279546 SH
  ELECTRONIC DATA SYSTEMS          COMMON STOCK    285661104         445        10791 SH
  ELECTRONIC DATA SYSTEMS          COMMON STOCK    285661104        1298        31473 SH
  EMERSON ELEC                     COMMON STOCK    291011104       11680       193450 SH
  EMERSON ELEC                     COMMON STOCK    291011104        2369        39238 SH
  ENERGY EAST                      COMMON STOCK    29266M109         521        27329 SH
  ENERGY EAST                      COMMON STOCK    29266M109           4          200 SH
  ENGELHARD                        COMMON STOCK    292845104         484        28337 SH
  ENGELHARD                        COMMON STOCK    292845104          76         4450 SH
  ENGELHARD                        COMMON STOCK    292845104         451        26450 SH
  ENRON                            COMMON STOCK    293561106       59629       924488 SH
  ENRON                            COMMON STOCK    293561106        1084        16806 SH
  ENRON                            COMMON STOCK    293561106        4657        72197 SH
  ENRON                            COMMON STOCK    293561106          19          300 SH
  EQUITY INCOME FUND               MUTUAL FUNDS-EQ 294700703         588         3367 SH
  EQUITY INCOME FUND               MUTUAL FUNDS-EQ 294700703         111          634 SH
  EQUITY INCOME FUND               MUTUAL FUNDS-EQ 294700703         681         3900 SH
  EQUITY INNS                      COMMON STOCK    294703103          86        14000 SH
  EQUITY INV FD                    COMMON STOCK    294711734          28        31740 SH
  ERICSSON                         COMMON STOCK    294821400        3409       170460 SH
  ERICSSON                         COMMON STOCK    294821400         272        13600 SH
  ERICSSON                         COMMON STOCK    294821400         712        35600 SH
  ETOYS                            COMMON STOCK    297862104         127        20000 SH
  EXXON MOBIL                      COMMON STOCK    30231G102       75601       963068 SH
  EXXON MOBIL                      COMMON STOCK    30231G102        2563        32646 SH
  EXXON MOBIL                      COMMON STOCK    30231G102       30758       391824 SH
  EXXON MOBIL                      COMMON STOCK    30231G102          42          541 SH
  FPL                              COMMON STOCK    302571104        6679       134926 SH
  FPL                              COMMON STOCK    302571104         225         4550 SH
  FT UNIT                          MUTUAL FUNDS-EQ 30264R330         126        10307 SH
  FANNIE MAE                       COMMON STOCK    313586109        9038       173175 SH
  FANNIE MAE                       COMMON STOCK    313586109          26          500 SH
  FANNIE MAE                       COMMON STOCK    313586109        1084        20776 SH
  FEDERATED INDEX TR               MUTUAL FUNDS-EQ 31420E106         204         6873 SH
  FEDERATED INDEX TR               MUTUAL FUNDS-EQ 31420E106         103         3476 SH
  FEDEX                            COMMON STOCK    31428X106         331         8700 SH
  FEDEX                            COMMON STOCK    31428X106          23          600 SH
  FEDEX                            COMMON STOCK    31428X106          23          600 SH
  FIDELITY                         MUTUAL FUNDS-MU 316089200          68         6219 SH
  FIDELITY                         MUTUAL FUNDS-MU 316089200         245        22354 SH
  FIRST AUSTRALIA PRIME            COMMON STOCK    318653102          65        14000 SH
  FIRST DATA                       COMMON STOCK    319963104         243         4897 SH
  FIRST DATA                       COMMON STOCK    319963104          50         1000 SH
  FIRST SEC DEL                    COMMON STOCK    336294103         299        22050 SH
  FIRST UNION                      COMMON STOCK    337358105        5113       206053 SH
  FIRST UNION                      COMMON STOCK    337358105         239         9648 SH
  FIRST UNION                      COMMON STOCK    337358105        1943        78327 SH
  FIRST UNION                      COMMON STOCK    337358105           8          321 SH
  FIRST UNION                      CORPORATE BONDS 337358BL8         270       300000 PRN
  FLEETBOSTON FINANCIAL            COMMON STOCK    339030108         306         9006 SH
  FLEETBOSTON FINANCIAL            COMMON STOCK    339030108         706        20755 SH
  FLEMINGTON FUR                   COMMON STOCK    339230989        1324        93234 SH
  FLEMINGTON FUR                   COMMON STOCK    339230997        1021        71914 SH
  FLORIDA                          COMMON STOCK    341109106         522        11130 SH
  FLORIDA                          COMMON STOCK    341109106           7          150 SH
  FLORIDA                          COMMON STOCK    341109106         204         4350 SH
  FLUOR                            COMMON STOCK    343861100         221         7000 SH
  FORD MOTOR DEL                   COMMON STOCK    345370100        8917       207383 SH
  FORD MOTOR DEL                   COMMON STOCK    345370100          43         1000 SH
  FORD MOTOR DEL                   COMMON STOCK    345370100         207         4820 SH
  FORTUNE BRANDS                   COMMON STOCK    349631101         370        16050 SH
  FORTUNE BRANDS                   COMMON STOCK    349631101          18          800 SH
  FORTUNE BRANDS                   COMMON STOCK    349631101         142         6148 SH
  FOUNDRY NETWORKS                 COMMON STOCK    35063R100         220         2000 SH
  FRANKLIN INTERNATIONAL           PREFERRED STOCK 353990203         432         4316 SH
  FRANKLIN RESOURCES               COMMON STOCK    354613101         200         6580 SH
  FRANKLIN RESOURCES               COMMON STOCK    354613101          10          337 SH
  FRANKLIN RESOURCES               COMMON STOCK    354613101         233         7659 SH
  FULTON FINL PA                   COMMON STOCK    360271100         613        34650 SH
  GPU                              COMMON STOCK    36225X100         491        18147 SH
  GPU                              COMMON STOCK    36225X100          34         1238 SH
  GPU                              COMMON STOCK    36225X100         848        31338 SH
  GTE                              COMMON STOCK    362320103        8684       139495 SH
  GTE                              COMMON STOCK    362320103         270         4335 SH
  GTE                              COMMON STOCK    362320103        3412        54807 SH
  GALLAHER GROUP                   COMMON STOCK    363595109         207         9650 SH
  GALLAHER GROUP                   COMMON STOCK    363595109          83         3878 SH
  GANNETT                          COMMON STOCK    364730101       11246       188016 SH
  GANNETT                          COMMON STOCK    364730101          96         1600 SH
  GANNETT                          COMMON STOCK    364730101        1041        17400 SH
  GAP STORES                       COMMON STOCK    364760108        2067        66132 SH
  GAP STORES                       COMMON STOCK    364760108          32         1012 SH
  GATEWAY                          COMMON STOCK    367626108          37          650 SH
  GATEWAY                          COMMON STOCK    367626108         199         3500 SH
  GENERAL ELECTRIC                 COMMON STOCK    369604103      176514      3330460 SH
  GENERAL ELECTRIC                 COMMON STOCK    369604103        6074       114611 SH
  GENERAL ELECTRIC                 COMMON STOCK    369604103       67872      1280599 SH
  GENERAL ELECTRIC                 COMMON STOCK    369604103          48          900 SH
  GENERAL MILLS                    COMMON STOCK    370334104         632        16532 SH
  GENERAL MILLS                    COMMON STOCK    370334104         106         2768 SH
  GENERAL MILLS                    COMMON STOCK    370334104        1479        38668 SH
  GENERAL MOTORS                   COMMON STOCK    370442105        1139        19619 SH
  GENERAL MOTORS                   COMMON STOCK    370442105          67         1162 SH
  GENERAL MOTORS                   COMMON STOCK    370442105         319         5498 SH
  GENUINE PARTS                    COMMON STOCK    372460105         153         7650 SH
  GENUINE PARTS                    COMMON STOCK    372460105         116         5775 SH
  GENZYME                          COMMON STOCK    372917104         131         2200 SH
  GENZYME                          COMMON STOCK    372917104         119         2000 SH
  GENZYME                          COMMON STOCK    372917104         166         2800 SH
  GEORGIA PACIFIC                  COMMON STOCK    373298108         251         9580 SH
  GEORGIA PACIFIC                  COMMON STOCK    373298108         173         6600 SH
  GILLETTE                         COMMON STOCK    375766102        5243       150081 SH
  GILLETTE                         COMMON STOCK    375766102         345         9881 SH
  GILLETTE                         COMMON STOCK    375766102         943        26978 SH
  GLAXO                            COMMON STOCK    37733W105        9989       172784 SH
  GLAXO                            COMMON STOCK    37733W105         641        11085 SH
  GLIMCHER REALTY TRUST            COMMON STOCK    379302102         157        10950 SH
  GOVERNMENT SECURITIES INCOME FD  MUTUAL FUNDS-FI 383743598           2        88334 SH
  GUIDANT                          COMMON STOCK    401698105         873        17643 SH
  GUIDANT                          COMMON STOCK    401698105         162         3276 SH
  HALLIBURTON                      COMMON STOCK    406216101         952        20180 SH
  HALLIBURTON                      COMMON STOCK    406216101         255         5400 SH
  HARCOURT GENERAL                 COMMON STOCK    41163G101        1088        20000 SH
  HARCOURT GENERAL                 COMMON STOCK    41163G101          54         1000 SH
  HARLEY DAVIDSON                  COMMON STOCK    412822108        7502       194855 SH
  HARLEY DAVIDSON                  COMMON STOCK    412822108           2           60 SH
  HARLEY DAVIDSON                  COMMON STOCK    412822108         246         6400 SH
  HARTFORD FINANCIAL SERVICES      COMMON STOCK    416515104        1097        19620 SH
  HARTFORD FINANCIAL SERVICES      COMMON STOCK    416515104          84         1508 SH
  HARTFORD FINANCIAL SERVICES      COMMON STOCK    416515104         397         7100 SH
  THE HARVILL PRESS LIMITED        COMMON STOCK    417999AA7         161        18625 SH
  HEALTHEON/WEBMD                  COMMON STOCK    422209106         163        11000 SH
  HEINEKEN NV ADR                  COMMON STOCK    423012202         397         6500 SH
  HEINZ H J                        COMMON STOCK    423074103        1021        23340 SH
  HEINZ H J                        COMMON STOCK    423074103          53         1200 SH
  HEINZ H J                        COMMON STOCK    423074103         755        17265 SH
  HELIX TECHNOLOGY                 COMMON STOCK    423319102         585        15000 SH
  HERCULES                         COMMON STOCK    427056106         195        13856 SH
  HERCULES                         COMMON STOCK    427056106          27         1900 SH
  HERSHEY FOODS                    COMMON STOCK    427866108         576        11885 SH
  HERSHEY FOODS                    COMMON STOCK    427866108          29          600 SH
  HERSHEY FOODS                    COMMON STOCK    427866108         194         4000 SH
  HEWLETT PACKARD                  COMMON STOCK    428236103       32939       263776 SH
  HEWLETT PACKARD                  COMMON STOCK    428236103         292         2335 SH
  HEWLETT PACKARD                  COMMON STOCK    428236103        6348        50833 SH
  HEWLETT PACKARD                  COMMON STOCK    428236103          25          200 SH
  HOME DEPOT                       COMMON STOCK    437076102       28575       572209 SH
  HOME DEPOT                       COMMON STOCK    437076102        1781        35664 SH
  HOME DEPOT                       COMMON STOCK    437076102        4764        95405 SH
  HONEYWELL INTERNATIONAL          COMMON STOCK    438516106        4968       147472 SH
  HONEYWELL INTERNATIONAL          COMMON STOCK    438516106          57         1700 SH
  HONEYWELL INTERNATIONAL          COMMON STOCK    438516106         371        11020 SH
  HOOPER HOLMES                    COMMON STOCK    439104100         240        30000 SH
  HOST MARRIOTT (REIT)             COMMON STOCK    44107P104         143        15230 SH
  HOUSEHOLD INTERNATIONAL          COMMON STOCK    441815107        3519        84677 SH
  HOUSEHOLD INTERNATIONAL          COMMON STOCK    441815107         232         5573 SH
  HYSEQ                            COMMON STOCK    449163302         227         5000 SH
  IMS HEALTH                       COMMON STOCK    449934108         648        36000 SH
  IMS HEALTH                       COMMON STOCK    449934108          43         2400 SH
  IMS HEALTH                       COMMON STOCK    449934108         104         5760 SH
  ILLINOIS TOOL WORKS              COMMON STOCK    452308109        1251        21949 SH
  ILLINOIS TOOL WORKS              COMMON STOCK    452308109          17          297 SH
  ILLINOIS TOOL WORKS              COMMON STOCK    452308109        2158        37863 SH
  IMPERIAL OIL                     COMMON STOCK    453038408         161         6600 SH
  IMPERIAL OIL                     COMMON STOCK    453038408         124         5100 SH
  INFORMIX                         COMMON STOCK    456779107         101        13600 SH
  INFORMIX                         COMMON STOCK    456779107           7         1000 SH
  INGERSOLL RAND                   COMMON STOCK    456866102        7368       183055 SH
  INGERSOLL RAND                   COMMON STOCK    456866102          85         2100 SH
  INTEL                            COMMON STOCK    458140100       95345       713190 SH
  INTEL                            COMMON STOCK    458140100        2111        15789 SH
  INTEL                            COMMON STOCK    458140100       17015       127273 SH
  INTL BUSINESS MACHINES           COMMON STOCK    459200101       64195       585918 SH
  INTL BUSINESS MACHINES           COMMON STOCK    459200101        1253        11433 SH
  INTL BUSINESS MACHINES           COMMON STOCK    459200101        8427        76913 SH
  INTL FLAVORS & FRAGRANCES        COMMON STOCK    459506101         136         4500 SH
  INTL FLAVORS & FRAGRANCES        COMMON STOCK    459506101          75         2500 SH
  INTL FLAVORS & FRAGRANCES        COMMON STOCK    459506101          30         1000 SH
  INTERNATIONAL PAPER              COMMON STOCK    460146103         210         7028 SH
  INTERNATIONAL PAPER              COMMON STOCK    460146103         118         3942 SH
  INTERPUBLIC GROUP                COMMON STOCK    460690100         456        10600 SH
  JDS UNIPHASE                     COMMON STOCK    46612J101        9968        83154 SH
  JANUS                            MUTUAL FUNDS-EQ 471023101         666        14673 SH
  JOHNSON & JOHNSON                COMMON STOCK    478160104       57858       567927 SH
  JOHNSON & JOHNSON                COMMON STOCK    478160104        1879        18449 SH
  JOHNSON & JOHNSON                COMMON STOCK    478160104       14291       140283 SH
  JUNIPER NETWORKS                 COMMON STOCK    48203R104        1019         7000 SH
  KELLOGG                          COMMON STOCK    487836108          77         2600 SH
  KELLOGG                          COMMON STOCK    487836108        3808       128000 SH
  KEMPER MUN BD FD SH BEN INT      MUTUAL FUNDS-MU 488419201         181        19040 SH
  KEMPER GOVT SECS TR              MUTUAL FUNDS-FI 488903261           0        10000 SH
  KEYSPAN                          COMMON STOCK    49337W100         244         7948 SH
  KEYSPAN                          COMMON STOCK    49337W100          41         1348 SH
  KEYSPAN                          COMMON STOCK    49337W100          35         1128 SH
  KIMBERLY CLARK                   COMMON STOCK    494368103       13045       227357 SH
  KIMBERLY CLARK                   COMMON STOCK    494368103         175         3056 SH
  KIMBERLY CLARK                   COMMON STOCK    494368103         676        11780 SH
  KIMBERLY CLARK                   COMMON STOCK    494368103           6          100 SH
  KIMCO REALTY                     COMMON STOCK    49446R109         340         8300 SH
  KINDER MORGAN ENERGY PARTNERS    COMMON STOCK    494550106         122         3056 SH
  KINDER MORGAN ENERGY PARTNERS    COMMON STOCK    494550106         180         4500 SH
  KOHL'S                           COMMON STOCK    500255104        6898       124000 SH
  KOHL'S                           COMMON STOCK    500255104          16          280 SH
  KONINKLIJKE PHILLIPS ELECTRONICS COMMON STOCK    500472204        2278        47960 SH
  KONINKLIJKE PHILLIPS ELECTRONICS COMMON STOCK    500472204         175         3680 SH
  KROGER                           COMMON STOCK    501044101         993        45000 SH
  KROGER                           COMMON STOCK    501044101         110         5000 SH
  ESTEE LAUDER AUTO EXCH SEC TR II CONVERTIBLE PRE 518438205        1522        17000 SH
  ESTEE LAUDER COMPANIES-CL A      COMMON STOCK    518439104         153         3085 SH
  ESTEE LAUDER COMPANIES-CL A      COMMON STOCK    518439104          61         1230 SH
  LEHMAN BROS                      COMMON STOCK    524908100         257         2714 SH
  LEHMAN BROS                      COMMON STOCK    524908100         433         4574 SH
  LEVITZ FURNITURE                 COMMON STOCK    527482103           2        20000 SH
  LIBERTY PPTY TR                  COMMON STOCK    531172104         181         6995 SH
  LIBERTY PPTY TR                  COMMON STOCK    531172104          13          500 SH
  LIBERTY PPTY TR                  COMMON STOCK    531172104         250         9625 SH
  LIGHTPATH TECHNOLOGIES           COMMON STOCK    532257102         239         6000 SH
  LIGHTPATH TECHNOLOGIES           COMMON STOCK    532257102         139         3500 SH
  LIGHTPATH TECHNOLOGIES           COMMON STOCK    532257102          76         1900 SH
  LILLY ELI                        COMMON STOCK    532457108        1679        16811 SH
  LILLY ELI                        COMMON STOCK    532457108         981         9824 SH
  LIMITED                          COMMON STOCK    532716107        2483       114800 SH
  LIMITED                          COMMON STOCK    532716107         129         5946 SH
  LINCOLN NATL                     COMMON STOCK    534187109        2529        70000 SH
  LINEAR TECHNOLOGY                COMMON STOCK    535678106         256         4000 SH
  LINEAR TECHNOLOGY                COMMON STOCK    535678106         339         5300 SH
  LOCKHEED MARTIN                  COMMON STOCK    539830109         206         8292 SH
  LUCENT TECHNOLOGIES              COMMON STOCK    549463107       54179       914407 SH
  LUCENT TECHNOLOGIES              COMMON STOCK    549463107        1860        31393 SH
  LUCENT TECHNOLOGIES              COMMON STOCK    549463107        8472       142989 SH
  LUCENT TECHNOLOGIES              COMMON STOCK    549463107          24          400 SH
  MBIA                             COMMON STOCK    55262C100         113         2350 SH
  MBIA                             COMMON STOCK    55262C100          82         1700 SH
  MBIA                             COMMON STOCK    55262C100          19          400 SH
  MBNA                             COMMON STOCK    55262L100        1067        39328 SH
  MBNA                             COMMON STOCK    55262L100         468        17246 SH
  MBNA                             COMMON STOCK    55262L100         458        16873 SH
  MCI CAPITAL I                    PREFERRED STOCK 55267Y206         174         7450 SH
  MCI CAPITAL I                    PREFERRED STOCK 55267Y206          12          500 SH
  MCI CAPITAL I                    PREFERRED STOCK 55267Y206          86         3700 SH
  MGI PHARMA                       COMMON STOCK    552880106         288        10000 SH
  MACK-CALI REALTY                 COMMON STOCK    554489104          26         1000 SH
  MACK-CALI REALTY                 COMMON STOCK    554489104          13          500 SH
  MACK-CALI REALTY                 COMMON STOCK    554489104         162         6300 SH
  MARSH & MCLENNAN                 COMMON STOCK    571748102        5136        49175 SH
  MARSH & MCLENNAN                 COMMON STOCK    571748102          94          900 SH
  MARRIOTT INTERNATIONAL           COMMON STOCK    571903202         123         3400 SH
  MARRIOTT INTERNATIONAL           COMMON STOCK    571903202         552        15300 SH
  MASCO                            COMMON STOCK    574599106         334        18511 SH
  MASCO                            COMMON STOCK    574599106         235        13000 SH
  MATTEL                           COMMON STOCK    577081102        2095       158876 SH
  MATTEL                           COMMON STOCK    577081102          35         2650 SH
  MAXYGEN                          COMMON STOCK    577776107         397         7000 SH
  MAXYGEN                          COMMON STOCK    577776107        1892        33334 SH
  MAY DEPT STORES                  COMMON STOCK    577778103         673        28028 SH
  MAY DEPT STORES                  COMMON STOCK    577778103         963        40126 SH
  MCDONALDS                        COMMON STOCK    580135101        2258        68568 SH
  MCDONALDS                        COMMON STOCK    580135101         443        13460 SH
  MCGRAW HILL                      COMMON STOCK    580645109        3255        60280 SH
  MCGRAW HILL                      COMMON STOCK    580645109         805        14900 SH
  MEDAREX                          COMMON STOCK    583916101         423         5000 SH
  MEDIAONE GROUP                   COMMON STOCK    58440J104        1079        16320 SH
  MEDIAONE GROUP                   COMMON STOCK    58440J104          15          225 SH
  MEDIAONE GROUP                   COMMON STOCK    58440J104         422         6389 SH
  MEDIMMUNE                        COMMON STOCK    584699102         333         4500 SH
  MEDIMMUNE                        COMMON STOCK    584699102         355         4800 SH
  MEDTRONICS                       COMMON STOCK    585055106        1319        26484 SH
  MEDTRONICS                       COMMON STOCK    585055106          50         1000 SH
  MEDTRONICS                       COMMON STOCK    585055106         219         4400 SH
  MELLON FINANCIAL                 COMMON STOCK    58551A108        2989        82024 SH
  MELLON FINANCIAL                 COMMON STOCK    58551A108        1614        44300 SH
  MERCK                            COMMON STOCK    589331107       82051      1070816 SH
  MERCK                            COMMON STOCK    589331107        2810        36666 SH
  MERCK                            COMMON STOCK    589331107       38678       504773 SH
  MERCK                            COMMON STOCK    589331107          23          300 SH
  MERRILL LYNCH                    COMMON STOCK    590188108        2282        19840 SH
  MERRILL LYNCH                    COMMON STOCK    590188108         190         1650 SH
  MICHIGAN ST HIGHER ED STUDENT    MUNICIPAL OBLIG 594520EY0         951       950000 PRN
  MICROSOFT                        COMMON STOCK    594918104       54599       682491 SH
  MICROSOFT                        COMMON STOCK    594918104        2136        26704 SH
  MICROSOFT                        COMMON STOCK    594918104       11838       147973 SH
  MICROSOFT                        COMMON STOCK    594918104           8          100 SH
  MICRON TECHNOLOGY                COMMON STOCK    595112103         669         7600 SH
  MIDCAP SPDR TR                   COMMON STOCK    595635103         222         2500 SH
  MINNESOTA MNG & MFG              COMMON STOCK    604059105       11374       137861 SH
  MINNESOTA MNG & MFG              COMMON STOCK    604059105         190         2300 SH
  MINNESOTA MNG & MFG              COMMON STOCK    604059105        1780        21570 SH
  MOLEX                            COMMON STOCK    608554200         142         4070 SH
  MOLEX                            COMMON STOCK    608554200          75         2133 SH
  MOLEX                            COMMON STOCK    608554200          40         1152 SH
  MONY GROUP                       COMMON STOCK    615337102         240         7112 SH
  MORGAN J P                       COMMON STOCK    616880100       13835       125627 SH
  MORGAN J P                       COMMON STOCK    616880100         149         1350 SH
  MORGAN J P                       COMMON STOCK    616880100        2211        20080 SH
  MORGAN STANLEY                   COMMON STOCK    617446448       27105       325585 SH
  MORGAN STANLEY                   COMMON STOCK    617446448        1038        12471 SH
  MORGAN STANLEY                   COMMON STOCK    617446448        1957        23508 SH
  MOTOROLA                         COMMON STOCK    620076109       15693       539983 SH
  MOTOROLA                         COMMON STOCK    620076109         305        10500 SH
  MOTOROLA                         COMMON STOCK    620076109        1662        57190 SH
  MUNIYIELD NJ FUND                MUTUAL FUNDS-MU 62630L101          65         5125 SH
  MUNIYIELD NJ FUND                MUTUAL FUNDS-MU 62630L101          14         1126 SH
  MUNIYIELD NJ FUND                MUTUAL FUNDS-MU 62630L101          65         5150 SH
  MURPHY OIL                       COMMON STOCK    626717102         269         4529 SH
  NASDAQ- 100 SHARES               COMMON STOCK    631100104        1648        17680 SH
  NASDAQ- 100 SHARES               COMMON STOCK    631100104          37          400 SH
  NASDAQ- 100 SHARES               COMMON STOCK    631100104          38          410 SH
  NATIONAL FUEL GAS                COMMON STOCK    636180101         346         7100 SH
  NATIONAL FUEL GAS                COMMON STOCK    636180101         243         4980 SH
  NATIONAL WESTMINSTER BANK PLC    COMMON STOCK    638539403         648         5559 SH
  NESTLE S A                       COMMON STOCK    641069406        1747        17400 SH
  NESTLE S A                       COMMON STOCK    641069406         115         1150 SH
  NETWORK APPLIANCE                COMMON STOCK    64120L104        9225       114600 SH
  NEW JERSEY RESOURCES             COMMON STOCK    646025106         247         6497 SH
  NEW JERSEY RESOURCES             COMMON STOCK    646025106          19          500 SH
  NEW SKY COMMUNICATIONS           COMMON STOCK    648726107           9       185000 SH
  NEW YORK REGL RAIL               COMMON STOCK    649768108          10        34000 SH
  NEWELL FINL TR I                 CONVERTIBLE PRE 651195307        1308        35000 SH
  NEXTEL COMMUNICATIONS            COMMON STOCK    65332V103         215         3520 SH
  NOKIA                            COMMON STOCK    654902204       38320       767354 SH
  NOKIA                            COMMON STOCK    654902204         615        12322 SH
  NOKIA                            COMMON STOCK    654902204        4159        83280 SH
  NORFOLK SOUTHERN                 COMMON STOCK    655844108        3085       207390 SH
  NORFOLK SOUTHERN                 COMMON STOCK    655844108          52         3500 SH
  NORFOLK SOUTHERN                 COMMON STOCK    655844108         128         8580 SH
  NORTEL NETWORKS NEW              COMMON STOCK    656568102        5258        77044 SH
  NORTEL NETWORKS NEW              COMMON STOCK    656568102         137         2000 SH
  NORTH AMERICAN TRAINING          COMMON STOCK    657999991           0        39217 SH
  NORTHERN TRUST                   COMMON STOCK    665859104       22687       348700 SH
  NORTHERN TRUST                   COMMON STOCK    665859104         668        10274 SH
  NORTHERN TRUST                   COMMON STOCK    665859104        1990        30585 SH
  NVIDIA                           COMMON STOCK    67066G104         254         4000 SH
  OMNICOM GROUP                    COMMON STOCK    681919106        6555        73600 SH
  OMNICOM GROUP                    COMMON STOCK    681919106         200         2250 SH
  ORACLE                           COMMON STOCK    68389X105        4901        58304 SH
  ORACLE                           COMMON STOCK    68389X105          42          500 SH
  ORACLE                           COMMON STOCK    68389X105         820         9750 SH
  PECO ENERGY                      COMMON STOCK    693304107         511        12664 SH
  PECO ENERGY                      COMMON STOCK    693304107          12          300 SH
  PNC FINANCIAL SERVICES GROUP     COMMON STOCK    693475105        1017        21706 SH
  PNC FINANCIAL SERVICES GROUP     COMMON STOCK    693475105          54         1149 SH
  PNC FINANCIAL SERVICES GROUP     COMMON STOCK    693475105         190         4059 SH
  PPG                              COMMON STOCK    693506107        2670        60247 SH
  PPG                              COMMON STOCK    693506107          91         2050 SH
  PPG                              COMMON STOCK    693506107         283         6386 SH
  PPL                              COMMON STOCK    69351T106        1509        68776 SH
  PPL                              COMMON STOCK    69351T106           9          400 SH
  PPL                              COMMON STOCK    69351T106         247        11246 SH
  PACIFIC GULF PPTYS               COMMON STOCK    694396102          50         2000 SH
  PACIFIC GULF PPTYS               COMMON STOCK    694396102         162         6450 SH
  PARDEE RESOURCES                 COMMON STOCK    699437109         503        11400 SH
  PARKER HANNIFIN                  COMMON STOCK    701094104         462        13499 SH
  PAYCHEX                          COMMON STOCK    704326107         849        20220 SH
  PAYCHEX                          COMMON STOCK    704326107        1364        32488 SH
  PAYCHEX                          COMMON STOCK    704326107         493        11748 SH
  PENNEY J C                       COMMON STOCK    708160106         738        40000 SH
  PENNZOIL-QUAKER ST               COMMON STOCK    709323109          28         2335 SH
  PENNZOIL-QUAKER ST               COMMON STOCK    709323109         162        13456 SH
  PEPSICO                          COMMON STOCK    713448108       19281       433901 SH
  PEPSICO                          COMMON STOCK    713448108         244         5500 SH
  PEPSICO                          COMMON STOCK    713448108        6158       138586 SH
  PERKINELMER                      COMMON STOCK    714046109         265         4000 SH
  PFIZER                           COMMON STOCK    717081103       87308      1818907 SH
  PFIZER                           COMMON STOCK    717081103        3410        71048 SH
  PFIZER                           COMMON STOCK    717081103       30737       640355 SH
  PHARMACIA                        COMMON STOCK    71713U102       11888       229999 SH
  PHARMACIA                        COMMON STOCK    71713U102         323         6244 SH
  PHARMACIA                        COMMON STOCK    71713U102        1316        25460 SH
  PHILIP MORRIS                    COMMON STOCK    718154107        2056        77415 SH
  PHILIP MORRIS                    COMMON STOCK    718154107         257         9670 SH
  PHILIP MORRIS                    COMMON STOCK    718154107        2878       108356 SH
  PHILLIPS PETE                    COMMON STOCK    718507106         204         4020 SH
  PHILLIPS PETE                    COMMON STOCK    718507106          65         1285 SH
  PITNEY BOWES                     COMMON STOCK    724479100        3844        96100 SH
  PITNEY BOWES                     COMMON STOCK    724479100         248         6200 SH
  PRAXAIR                          COMMON STOCK    74005P104         523        13980 SH
  PRAXAIR                          COMMON STOCK    74005P104          46         1226 SH
  PRAXAIR                          COMMON STOCK    74005P104          12          309 SH
  PREFORMED LINE PRODUCTS          COMMON STOCK    740444104         558        36000 SH
  PREMIER BANCORP                  COMMON STOCK    74046J109         120        12978 SH
  PROCTER & GAMBLE                 COMMON STOCK    742718109       17885       312408 SH
  PROCTER & GAMBLE                 COMMON STOCK    742718109         526         9182 SH
  PROCTER & GAMBLE                 COMMON STOCK    742718109        5214        91072 SH
  PROGRESS SOFTWARE                COMMON STOCK    743312100         359        20000 SH
  PROGRESS SOFTWARE                COMMON STOCK    743312100         108         6000 SH
  PROVIDIAN FINANCIAL              COMMON STOCK    74406A102         342         3798 SH
  PROXICOM                         COMMON STOCK    744282104         215         4500 SH
  PROXYMED                         COMMON STOCK    744290107          17        10000 SH
  PSINET                           CONVERTIBLE PRE 74437C309        1466        30000 SH
  PUBLIC SERVICE ENTERPRISE        COMMON STOCK    744573106        2193        63345 SH
  PUBLIC SERVICE ENTERPRISE        COMMON STOCK    744573106         132         3824 SH
  PUBLIC SERVICE ENTERPRISE        COMMON STOCK    744573106        1702        49159 SH
  QUAKER OATS                      COMMON STOCK    747402105         210         2790 SH
  QUAKER OATS                      COMMON STOCK    747402105         141         1878 SH
  QUAKER OATS                      COMMON STOCK    747402105          83         1100 SH
  QUALCOMM                         COMMON STOCK    747525103        1277        21285 SH
  QUALCOMM                         COMMON STOCK    747525103         108         1800 SH
  QUALCOMM                         COMMON STOCK    747525103         131         2190 SH
  QUESTAR                          COMMON STOCK    748356102         527        27200 SH
  QWEST COMMUNICATIONS INTL        COMMON STOCK    749121109         358         7204 SH
  QWEST COMMUNICATIONS INTL        COMMON STOCK    749121109         229         4600 SH
  RAYTHEON                         COMMON STOCK    755111408         188         9755 SH
  RAYTHEON                         COMMON STOCK    755111408          15          800 SH
  RAYTHEON                         COMMON STOCK    755111408         212        11000 SH
  READERS DIGEST FIN TR            CONVERTIBLE PRE 755271202        1610        46000 SH
  READERS DIGEST FIN TR            CONVERTIBLE PRE 755271202          35         1000 SH
  REDBACK NETWORKS                 COMMON STOCK    757209101         878         4900 SH
  RELIANT ENERGY                   COMMON STOCK    75952J108          59         1988 SH
  RELIANT ENERGY                   COMMON STOCK    75952J108          30         1000 SH
  RELIANT ENERGY                   COMMON STOCK    75952J108         133         4500 SH
  REPSOL SA SPONSORED ADR          COMMON STOCK    76026T205         149         7500 SH
  REPSOL SA SPONSORED ADR          COMMON STOCK    76026T205          59         3000 SH
  RITE AID                         COMMON STOCK    767754104          78        11850 SH
  RITE AID                         COMMON STOCK    767754104          13         2000 SH
  ROBERT HALF INTL                 COMMON STOCK    770323103         259         9080 SH
  ROCKWELL INTL                    COMMON STOCK    773903109         147         4660 SH
  ROCKWELL INTL                    COMMON STOCK    773903109          38         1200 SH
  ROCKWELL INTL                    COMMON STOCK    773903109         139         4400 SH
  ROCKWELL INTL                    COMMON STOCK    773903109          48         1517 SH
  ROHM & HAAS                      COMMON STOCK    775371107         201         5820 SH
  ROYAL DUTCH PETE                 COMMON STOCK    780257804       15925       258676 SH
  ROYAL DUTCH PETE                 COMMON STOCK    780257804         198         3220 SH
  ROYAL DUTCH PETE                 COMMON STOCK    780257804        3778        61375 SH
  SBC COMMUNICATIONS               COMMON STOCK    78387G103       25666       593435 SH
  SBC COMMUNICATIONS               COMMON STOCK    78387G103         996        23024 SH
  SBC COMMUNICATIONS               COMMON STOCK    78387G103        7465       172610 SH
  SBC COMMUNICATIONS               COMMON STOCK    78387G103           4          100 SH
  SEI                              COMMON STOCK    784117103         239         6000 SH
  S&P 500 DEPOSITARY RECEIPT       COMMON STOCK    78462F103        4653        32025 SH
  SAFEWAY                          COMMON STOCK    786514208         386         8585 SH
  SAFEWAY                          COMMON STOCK    786514208          20          450 SH
  ST PAUL                          COMMON STOCK    792860108         351        10288 SH
  ST PAUL                          COMMON STOCK    792860108          20          600 SH
  SANMINA                          COMMON STOCK    800907107        5036        58900 SH
  SARA LEE                         COMMON STOCK    803111103        6958       360279 SH
  SARA LEE                         COMMON STOCK    803111103         326        16900 SH
  SASSOON INTL                     COMMON STOCK    803869106           0        12500 SH
  SCANSOFT                         COMMON STOCK    80603P107          28        10120 SH
  SCHERING PLOUGH                  COMMON STOCK    806605101       22325       442077 SH
  SCHERING PLOUGH                  COMMON STOCK    806605101        1544        30578 SH
  SCHERING PLOUGH                  COMMON STOCK    806605101        5753       113915 SH
  SCHLUMBERGER                     COMMON STOCK    806857108       11745       157391 SH
  SCHLUMBERGER                     COMMON STOCK    806857108          37          500 SH
  SCHLUMBERGER                     COMMON STOCK    806857108        1050        14076 SH
  SCHWAB CHARLES                   COMMON STOCK    808513105         156         4650 SH
  SCHWAB CHARLES                   COMMON STOCK    808513105          61         1800 SH
  SCIENTIFIC ATLANTA               COMMON STOCK    808655104         447         6000 SH
  SEAGRAMS                         COMMON STOCK    811850106         145         2500 SH
  SEAGRAMS                         COMMON STOCK    811850106         423         7300 SH
  SEAGRAMS                         CONVERTIBLE PRE 811850205        1881        35000 SH
  SEARS                            COMMON STOCK    812387108         486        14894 SH
  SEARS                            COMMON STOCK    812387108         241         7389 SH
  SELECTIVE INSURANCE              COMMON STOCK    816300107         307        16171 SH
  SELECTIVE INSURANCE              COMMON STOCK    816300107         108         5670 SH
  SEMICONDUCTOR LASER INTL         COMMON STOCK    816638100           9        10000 SH
  SERVICE                          COMMON STOCK    817587108           2        19000 SH
  SHELL                            COMMON STOCK    822703609         185         3700 SH
  SHELL                            COMMON STOCK    822703609         180         3600 SH
  SHELL                            COMMON STOCK    822703609          12          248 SH
  SHERWIN-WILLIAMS                 COMMON STOCK    824348106          64         3000 SH
  SHERWIN-WILLIAMS                 COMMON STOCK    824348106         225        10600 SH
  SIEBEL SYS                       COMMON STOCK    826170102         564         3450 SH
  SKYLANDS FINL                    COMMON STOCK    83081H100         247        17055 SH
  SMITHKLINE BEECHAM               COMMON STOCK    832378301       18748       287600 SH
  SMITHKLINE BEECHAM               COMMON STOCK    832378301         179         2740 SH
  SMITHKLINE BEECHAM               COMMON STOCK    832378301        1296        19875 SH
  SMITHKLINE BEECHAM               COMMON STOCK    832378301           7          100 SH
  SOLECTRON                        COMMON STOCK    834182107        1114        26600 SH
  SOLECTRON                        COMMON STOCK    834182107          75         1800 SH
  SOLECTRON                        COMMON STOCK    834182107          92         2200 SH
  SOUTHERN                         COMMON STOCK    842587107        1038        44514 SH
  SOUTHERN                         COMMON STOCK    842587107          35         1500 SH
  SOUTHERN                         COMMON STOCK    842587107         240        10316 SH
  SOVEREIGN BANCORP                COMMON STOCK    845905108         176        25095 SH
  SOVEREIGN BANCORP                COMMON STOCK    845905108          30         4200 SH
  SOVEREIGN BANCORP                COMMON STOCK    845905108          26         3652 SH
  SPRINT                           COMMON STOCK    852061100        8113       159082 SH
  SPRINT                           COMMON STOCK    852061100         337         6617 SH
  SPRINT                           COMMON STOCK    852061100         230         4500 SH
  SPRINT                           COMMON STOCK    852061506         209         3520 SH
  SPRINT                           COMMON STOCK    852061506          24          400 SH
  SPRINT                           COMMON STOCK    852061506          83         1400 SH
  STAPLES                          COMMON STOCK    855030102        8366       544108 SH
  STAPLES                          COMMON STOCK    855030102         496        32240 SH
  STAPLES                          COMMON STOCK    855030102         329        21380 SH
  STARBUCKS                        COMMON STOCK    855244109         191         5000 SH
  STARBUCKS                        COMMON STOCK    855244109           8          200 SH
  STARBUCKS                        COMMON STOCK    855244109          53         1400 SH
  STATE STR                        COMMON STOCK    857477103         753         7100 SH
  STATEN IS BANCORP INC            COMMON STOCK    857550107         907        51441 SH
  STATEN IS BANCORP INC            COMMON STOCK    857550107          97         5503 SH
  STRYKER                          COMMON STOCK    863667101         263         6000 SH
  SUIZA FOODS                      COMMON STOCK    865077101         244         5000 SH
  SUMMIT BANCORP                   COMMON STOCK    866005101      124168      5042345 SH
  SUMMIT BANCORP                   COMMON STOCK    866005101        4611       187230 SH
  SUMMIT BANCORP                   COMMON STOCK    866005101       13075       530971 SH
  SUMMIT BANCORP                   COMMON STOCK    866005101         352        14300 SH
  SUN MICROSYSTEMS                 COMMON STOCK    866810104        8020        88196 SH
  SUN MICROSYSTEMS                 COMMON STOCK    866810104          39          430 SH
  SUN MICROSYSTEMS                 COMMON STOCK    866810104        1055        11603 SH
  SYMYX TECHNOLOGIES               COMMON STOCK    87155S108         297         6962 SH
  SYMYX TECHNOLOGIES               COMMON STOCK    87155S108        1316        30888 SH
  SYQUEST TECHNOLOGY               COMMON STOCK    871660106           0        10875 SH
  SYSCO                            COMMON STOCK    871829107        1862        44213 SH
  SYSCO                            COMMON STOCK    871829107         166         3950 SH
  SYSCO                            COMMON STOCK    871829107        1182        28068 SH
  TECO ENERGY                      COMMON STOCK    872375100         223        11100 SH
  TRW                              COMMON STOCK    872649108         206         4760 SH
  TXU                              COMMON STOCK    873168108         260         8808 SH
  TXU                              COMMON STOCK    873168108          30         1000 SH
  TXU                              COMMON STOCK    873168108         619        20980 SH
  TARGET                           COMMON STOCK    87612E106        9052       156075 SH
  TARGET                           COMMON STOCK    87612E106         111         1920 SH
  TARGET                           COMMON STOCK    87612E106        1340        23100 SH
  TEKTRONIX                        COMMON STOCK    879131100         241         3250 SH
  TEKTRONIX                        COMMON STOCK    879131100          83         1125 SH
  TELLABS                          COMMON STOCK    879664100        7846       114645 SH
  TELLABS                          COMMON STOCK    879664100          21          300 SH
  A T & T SH                       COMMON STOCK    879919108         518         1400 SH
  TEXACO                           COMMON STOCK    881694103        5532       103887 SH
  TEXACO                           COMMON STOCK    881694103         239         4484 SH
  TEXACO                           COMMON STOCK    881694103         897        16844 SH
  TEXAS INSTRUMENTS                COMMON STOCK    882508104       32354       471039 SH
  TEXAS INSTRUMENTS                COMMON STOCK    882508104         650         9460 SH
  TEXAS INSTRUMENTS                COMMON STOCK    882508104        1415        20600 SH
  TEXTRON                          COMMON STOCK    883203101        5433       100024 SH
  TEXTRON                          COMMON STOCK    883203101          81         1500 SH
  TEXTRON                          COMMON STOCK    883203101         501         9220 SH
  THOMAS & BETTS                   COMMON STOCK    884315102        1212        63370 SH
  THOMAS & BETTS                   COMMON STOCK    884315102        2175       113708 SH
  3 COM                            COMMON STOCK    885535104        9095       157825 SH
  3 COM                            COMMON STOCK    885535104          58         1000 SH
  3 COM                            COMMON STOCK    885535104         396         6875 SH
  TIFFANY                          COMMON STOCK    886547108         230         3400 SH
  TIME WARNER                      COMMON STOCK    887315109       16497       217060 SH
  TIME WARNER                      COMMON STOCK    887315109          46          600 SH
  TIME WARNER                      COMMON STOCK    887315109        1083        14250 SH
  TRICON GLOBAL RESTAURANTS        COMMON STOCK    895953107         242         8582 SH
  TRICON GLOBAL RESTAURANTS        COMMON STOCK    895953107           2           80 SH
  TRICON GLOBAL RESTAURANTS        COMMON STOCK    895953107         139         4931 SH
  TRIBUNE                          COMMON STOCK    896047107         141         4023 SH
  TRIBUNE                          COMMON STOCK    896047107         336         9600 SH
  21ST CENTURY TECHNOLOGIES        COMMON STOCK    90130C107         194       200000 SH
  TYCO INTL                        COMMON STOCK    902124106       31063       655683 SH
  TYCO INTL                        COMMON STOCK    902124106        1633        34468 SH
  TYCO INTL                        COMMON STOCK    902124106        2400        50656 SH
  UNCOMMON VALUES UNIT TR 1985     MUTUAL FUNDS-EQ 904310174          78        48752 SH
  UNILEVER N V NEW YORK SHS        COMMON STOCK    904784709        5687       132266 SH
  UNILEVER N V NEW YORK SHS        COMMON STOCK    904784709         377         8767 SH
  UNION PACIFIC                    COMMON STOCK    907818108        7015       188644 SH
  UNION PACIFIC                    COMMON STOCK    907818108          45         1200 SH
  UNION PACIFIC                    COMMON STOCK    907818108         592        15920 SH
  UNION PAC RES GROUP              COMMON STOCK    907834105        1564        71108 SH
  UNION PAC RES GROUP              COMMON STOCK    907834105          26         1185 SH
  UNITED DOMINION REALTY TRUST     COMMON STOCK    910197102           7          600 SH
  UNITED DOMINION REALTY TRUST     COMMON STOCK    910197102         213        19400 SH
  UNITED NATL BANCORP N J          COMMON STOCK    910909100         184        10000 SH
  UNITED PARCEL SVC                COMMON STOCK    911312106         375         6355 SH
  UNITED PARCEL SVC                COMMON STOCK    911312106           6          100 SH
  UNITED PARCEL SVC                COMMON STOCK    911312106          35          600 SH
  UNITED RETAIL GROUP              COMMON STOCK    911380103         238        28000 SH
  U S WEST NEW                     COMMON STOCK    91273H101        3229        37655 SH
  U S WEST NEW                     COMMON STOCK    91273H101         196         2282 SH
  U S WEST NEW                     COMMON STOCK    91273H101        2089        24367 SH
  UNITED TECHNOLOGIES              COMMON STOCK    913017109       20583       349601 SH
  UNITED TECHNOLOGIES              COMMON STOCK    913017109          29          500 SH
  UNITED TECHNOLOGIES              COMMON STOCK    913017109        1512        25690 SH
  UNITED TECHNOLOGIES              COMMON STOCK    913017109          18          300 SH
  UNITED WTR RESOURCES             COMMON STOCK    913190104         602        17272 SH
  UNITED WTR RESOURCES             COMMON STOCK    913190104          35         1000 SH
  UNITED WTR RESOURCES             COMMON STOCK    913190104          59         1687 SH
  UNIVISION COMMUNICATIONS INC     COMMON STOCK    914906102         207         2000 SH
  UNIVISION COMMUNICATIONS INC     COMMON STOCK    914906102          52          500 SH
  VALLEY NATL BANCORP              COMMON STOCK    919794107         414        17011 SH
  VALLEY NATL BANCORP              COMMON STOCK    919794107           6          243 SH
  VALLEY NATL BANCORP              COMMON STOCK    919794107         222         9151 SH
  VANGUARD FIXED SECS FD           MUTUAL FUNDS-FI 922031307        3151       317654 SH
  VANGUARD FIXED SECS FD           MUTUAL FUNDS-FI 922031307         254        25649 SH
  VANGUARD FIXED SECS FD           MUTUAL FUNDS-FI 922031307         106        10677 SH
  VARIAN                           COMMON STOCK    922206107         464        10050 SH
  VARIAN SEMICONDUCTOR             COMMON STOCK    922207105         358         5700 SH
  VARIAN SEMICONDUCTOR             COMMON STOCK    922207105          31          500 SH
  VARIAN MEDICAL SYSTEMS           COMMON STOCK    92220P105         282         7200 SH
  VARIAN MEDICAL SYSTEMS           COMMON STOCK    92220P105          20          500 SH
  VARIAN MEDICAL SYSTEMS           COMMON STOCK    92220P105          20          500 SH
  VERITAS SOFTWARE                 COMMON STOCK    923436109        5521        48850 SH
  VIACOM                           COMMON STOCK    925524308        2059        30199 SH
  VIACOM                           COMMON STOCK    925524308          69         1009 SH
  VIACOM                           COMMON STOCK    925524308          59          868 SH
  VIAD                             COMMON STOCK    92552R109          13          486 SH
  VIAD                             COMMON STOCK    92552R109          27         1000 SH
  VIAD                             COMMON STOCK    92552R109         174         6400 SH
  VISTEON                          COMMON STOCK    92839U107         329        27146 SH
  VISTEON                          COMMON STOCK    92839U107           2          130 SH
  VISTEON                          COMMON STOCK    92839U107           8          630 SH
  VITESSE SEMICONDUCTOR            COMMON STOCK    928497106         221         3000 SH
  VITRIA TECHNOLOGY                COMMON STOCK    92849Q104         293         4800 SH
  VODAFONE AIRTOUCH                COMMON STOCK    92857T107        5001       120695 SH
  VODAFONE AIRTOUCH                COMMON STOCK    92857T107         133         3215 SH
  VODAFONE AIRTOUCH                COMMON STOCK    92857T107         928        22385 SH
  WACHOVIA                         COMMON STOCK    929771103         172         3170 SH
  WACHOVIA                         COMMON STOCK    929771103         213         3930 SH
  WAL MART                         COMMON STOCK    931142103       12115       210232 SH
  WAL MART                         COMMON STOCK    931142103          32          550 SH
  WAL MART                         COMMON STOCK    931142103        5814       100890 SH
  WALGREEN                         COMMON STOCK    931422109         513        15932 SH
  WALGREEN                         COMMON STOCK    931422109          26          800 SH
  WEINGARTEN REALTY SBI            COMMON STOCK    948741103         162         4000 SH
  WEINGARTEN REALTY SBI            COMMON STOCK    948741103          81         2000 SH
  WELLS FARGO NEW                  COMMON STOCK    949746101        8811       227385 SH
  WELLS FARGO NEW                  COMMON STOCK    949746101          16          400 SH
  WELLS FARGO NEW                  COMMON STOCK    949746101         182         4700 SH
  WESTBURY METALS GROUP            COMMON STOCK    957289101          75        26660 SH
  WESTBURY METALS GROUP            COMMON STOCK    957289101         113        40000 SH
  WILLIAMS COS                     COMMON STOCK    969457100        4902       117595 SH
  WILLIAMS COS                     COMMON STOCK    969457100          58         1400 SH
  WILMINGTON TRUST                 COMMON STOCK    971807102         359         8400 SH
  WILMINGTON TRUST                 COMMON STOCK    971807102         205         4800 SH
  WISCONSIN ENERGY                 COMMON STOCK    976657106         118         5976 SH
  WISCONSIN ENERGY                 COMMON STOCK    976657106         120         6050 SH
  WORLDCOM                         COMMON STOCK    98157D106       23677       516123 SH
  WORLDCOM                         COMMON STOCK    98157D106        1004        21893 SH
  WORLDCOM                         COMMON STOCK    98157D106        3617        78853 SH
  WORLDCOM                         COMMON STOCK    98157D106           7          150 SH
  WRIGLEY WM JR                    COMMON STOCK    982526105         141         1757 SH
  WRIGLEY WM JR                    COMMON STOCK    982526105         898        11200 SH
  XILINX                           COMMON STOCK    983919101       18378       222600 SH
  XILINX                           COMMON STOCK    983919101          17          200 SH
  XEROX                            COMMON STOCK    984121103        1415        68206 SH
  XEROX                            COMMON STOCK    984121103         372        17928 SH
  YAHOO                            COMMON STOCK    984332106        9006        72700 SH
  YAHOO                            COMMON STOCK    984332106         996         8040 SH
  BLUE RIBBON LABEL                COMMON STOCK    999M31000        1707           37 SH
  ENDICOTT MACHINE & TOOL          COMMON STOCK    999ZT1003        2459       274699 SH
  MURRAY HILL RACQUET CLUB         COMMON STOCK    99A246000         605          326 SH
  EBAGS                            COMMON STOCK    99A366105          12        12500 SH
  LERNOUT & HAUSPIE SPEECH PROGRAM COMMON STOCK    B5628B104         573        13000 SH
  LERNOUT & HAUSPIE SPEECH PROGRAM COMMON STOCK    B5628B104          18          400 SH
  GLOBAL CROSSING LTD              COMMON STOCK    G3921A100         719        27335 SH
  GLOBAL CROSSING LTD              COMMON STOCK    G3921A100          13          500 SH
  GLOBAL CROSSING LTD              COMMON STOCK    G3921A100         132         5000 SH
  TRANSOCEAN SEDCO FOREX           COMMON STOCK    G90078109          99         1852 SH
  TRANSOCEAN SEDCO FOREX           COMMON STOCK    G90078109           5           96 SH
  TRANSOCEAN SEDCO FOREX           COMMON STOCK    G90078109         100         1869 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
  ADC TELECOMMUNICATIONS          SOLE                  7200
  AT&T                            SOLE                  333223
  AT&T                            SOLE                                            79107
  AT&T                            DEFINED               16127
  AT&T                            DEFINED                                         5412
  AT&T                            OTHER                 62516
  AT&T                            OTHER                                           16762
  AT&T                            SOLE                  4000
  AT&T                            OTHER                 1400
  AT&T                            OTHER                              2000
  AXA FINL                        SOLE                  22450
  AXA FINL                        DEFINED               200
  ABBOTT LABS                     SOLE                  88755
  ABBOTT LABS                     SOLE                                            44600
  ABBOTT LABS                     DEFINED               2600
  ABBOTT LABS                     DEFINED                                         700
  ABBOTT LABS                     OTHER                 99810
  ABBOTT LABS                     OTHER                                           19100
  ACCLAIM ENMNT                   SOLE                  15000
  ADVANCED EVIR RECYL TECHNOLOGIESSOLE                  10000
  AETNA                           SOLE                  2700
  AETNA                           OTHER                 1600
  AGILENT TECHNOLOGIES            SOLE                  82727
  AGILENT TECHNOLOGIES            SOLE                                            7781
  AGILENT TECHNOLOGIES            DEFINED               773
  AGILENT TECHNOLOGIES            DEFINED                                         114
  AGILENT TECHNOLOGIES            OTHER                 17339
  AGILENT TECHNOLOGIES            OTHER                                           1998
  AGILENT TECHNOLOGIES            DEF/OTH               76
  AIR PRODUCTS & CHEMICALS        SOLE                  7470
  AIR PRODUCTS & CHEMICALS        SOLE                                            25800
  AIR PRODUCTS & CHEMICALS        OTHER                 2000
  ALCOA                           SOLE                  21892
  ALCOA                           OTHER                 4
  ALLERGAN                        SOLE                  13808
  ALLIANCE CAP MGMT HLD           SOLE                  22810
  ALLIANCE CAP MGMT HLD           SOLE                                            22050
  ALLIANCE CAP MGMT HLD           DEFINED               4100
  ALLIANCE CAP MGMT HLD           DEFINED                                         6400
  ALLIANCE CAP MGMT HLD           OTHER                 33980
  ALLIANCE CAP MGMT HLD           OTHER                                           11600
  ALLIED IRISH BANKS PLC          SOLE                  6600
  ALLIED IRISH BANKS PLC          OTHER                 5100
  ALLSTATE                        SOLE                  13510
  ALLSTATE                        SOLE                                            13722
  ALLSTATE                        DEFINED               1000
  ALLSTATE                        OTHER                 4074
  ALLSTATE                        OTHER                                           1240
  ALLTEL                          SOLE                  251001
  ALLTEL                          SOLE                                            7866
  ALLTEL                          DEFINED               4911
  ALLTEL                          DEFINED                                         500
  ALLTEL                          OTHER                 9571
  ALLTEL                          OTHER                                           1000
  ALTERA                          SOLE                  3000
  AMCAP FD                        OTHER                 17665
  AMERICA ONLINE                  SOLE                  259163
  AMERICA ONLINE                  SOLE                                            38340
  AMERICA ONLINE                  DEFINED               6050
  AMERICA ONLINE                  DEFINED                                         300
  AMERICA ONLINE                  OTHER                 27221
  AMERICA ONLINE                  OTHER                              4800
  AMERICA ONLINE                  OTHER                                           5200
  AMERICAN ELECTRIC POWER         SOLE                  4960
  AMERICAN ELECTRIC POWER         SOLE                                            3750
  AMERICAN ELECTRIC POWER         DEFINED               2259
  AMERICAN ELECTRIC POWER         OTHER                 17139
  AMERICAN ELECTRIC POWER         OTHER                                           7500
  AMERICAN EXPRESS                SOLE                  338540
  AMERICAN EXPRESS                SOLE                                            33000
  AMERICAN EXPRESS                OTHER                 62052
  AMERICAN EXPRESS                OTHER                                           7994
  AMERICAN GENERAL                SOLE                  44050
  AMERICAN GENERAL                OTHER                 2490
  AMERICAN HOME PRODUCTS          SOLE                  262954
  AMERICAN HOME PRODUCTS          SOLE                                            58066
  AMERICAN HOME PRODUCTS          DEFINED               12815
  AMERICAN HOME PRODUCTS          DEFINED                                         1200
  AMERICAN HOME PRODUCTS          OTHER                 117102
  AMERICAN HOME PRODUCTS          OTHER                                           17700
  AMERICAN INTL GROUP             SOLE                  490763
  AMERICAN INTL GROUP             SOLE                                            63003
  AMERICAN INTL GROUP             DEFINED               15988
  AMERICAN INTL GROUP             DEFINED                                         4943
  AMERICAN INTL GROUP             OTHER                 78468
  AMERICAN INTL GROUP             OTHER                              750
  AMERICAN INTL GROUP             OTHER                                           23085
  AMERICAN POWER CONVERSION       SOLE                  50550
  AMERICAN POWER CONVERSION       SOLE                                            27200
  AMERICAN POWER CONVERSION       DEFINED               14200
  AMERICAN POWER CONVERSION       DEFINED                                         2000
  AMERICAN POWER CONVERSION       OTHER                 4800
  AMERICAN POWER CONVERSION       OTHER                              4000
  AMERICAN POWER CONVERSION       OTHER                                           6750
  AMGEN                           SOLE                  97690
  AMGEN                           SOLE                                            30100
  AMGEN                           DEFINED               800
  AMGEN                           OTHER                 13050
  AMGEN                           OTHER                              760
  AMGEN                           OTHER                                           250
  ANALOG DEVICES                  SOLE                  5900
  ANALOG DEVICES                  OTHER                 440
  ANHEUSER BUSCH                  SOLE                  16200
  ANHEUSER BUSCH                  SOLE                                            3405
  ANHEUSER BUSCH                  DEFINED               400
  ANHEUSER BUSCH                  DEFINED                                         400
  ANHEUSER BUSCH                  OTHER                 6414
  ANHEUSER BUSCH                  OTHER                                           8400
  APOLLO GROUP                    SOLE                  4500
  APOLLO GROUP                    OTHER                 7400
  APPLIED MATERIALS               SOLE                  212680
  APPLIED MATERIALS               SOLE                                            1600
  APPLIED MATERIALS               OTHER                 500
  AQUIS COMMUNICATIONS GROUP      SOLE                  10000
  ARIBA                           SOLE                  3200
  DAVE'S AUTO SUPPLY              OTHER                 96
  ASSOCIATES FIRST CAPITAL CRP    SOLE                  9814
  ASSOCIATES FIRST CAPITAL CRP    SOLE                                            1408
  ASSOCIATES FIRST CAPITAL CRP    OTHER                 1046
  AUTODESK                        SOLE                  35000
  AUTOMATIC DATA PROCESSING       SOLE                  508377
  AUTOMATIC DATA PROCESSING       SOLE                                            99920
  AUTOMATIC DATA PROCESSING       DEFINED               21258
  AUTOMATIC DATA PROCESSING       DEFINED                                         2800
  AUTOMATIC DATA PROCESSING       OTHER                 79918
  AUTOMATIC DATA PROCESSING       OTHER                              2000
  AUTOMATIC DATA PROCESSING       OTHER                                           49817
  AVENTIS                         SOLE                  3500
  AVERY DENNISON                  SOLE                  11550
  AVERY DENNISON                  SOLE                                            6700
  AVERY DENNISON                  DEFINED               1300
  AVERY DENNISON                  OTHER                 2000
  AVON PRODUCTS                   SOLE                  2692
  AVON PRODUCTS                   OTHER                 7600
  BJS WHSL CLUB                   SOLE                  11930
  BP AMOCO PLC                    SOLE                  714349
  BP AMOCO PLC                    SOLE                                            65780
  BP AMOCO PLC                    DEFINED               21356
  BP AMOCO PLC                    DEFINED                                         328
  BP AMOCO PLC                    OTHER                 145441
  BP AMOCO PLC                    OTHER                                           25279
  BP AMOCO PLC                    DEF/OTH               200
  BSB BANCORP                     SOLE                                            27416
  BANK AMER                       SOLE                  221915
  BANK AMER                       SOLE                                            26998
  BANK AMER                       DEFINED               300
  BANK AMER                       OTHER                 32732
  BANK AMER                       OTHER                                           7350
  BANK OF NY                      SOLE                  736145
  BANK OF NY                      SOLE                                            41816
  BANK OF NY                      OTHER                 65366
  BANK OF NY                      OTHER                                           16400
  BANK ONE                        SOLE                  223082
  BANK ONE                        SOLE                                            3521
  BANK ONE                        DEFINED               1005
  BANK ONE                        OTHER                 3522
  BANK ONE                        OTHER                                           1000
  BAUSCH & LOMB                   SOLE                  11250
  BAXTER INTL                     SOLE                  60361
  BAXTER INTL                     SOLE                                            300
  BAXTER INTL                     DEFINED               400
  BAXTER INTL                     OTHER                 1300
  BECTON DICKINSON & CO           SOLE                  16130
  BECTON DICKINSON & CO           SOLE                                            1700
  BECTON DICKINSON & CO           OTHER                 4000
  BECTON DICKINSON & CO           OTHER                                           6400
  BED BATH & BEYOND               SOLE                  169050
  BED BATH & BEYOND               SOLE                                            2000
  BED BATH & BEYOND               DEFINED               11200
  BED BATH & BEYOND               DEFINED                                         200
  BED BATH & BEYOND               OTHER                 11100
  BED BATH & BEYOND               OTHER                                           1200
  BELL ATLANTIC                   SOLE                  278248
  BELL ATLANTIC                   SOLE                                            55151
  BELL ATLANTIC                   DEFINED               14074
  BELL ATLANTIC                   DEFINED                                         2174
  BELL ATLANTIC                   OTHER                 138620
  BELL ATLANTIC                   OTHER                                           20293
  BELLSOUTH                       SOLE                  646061
  BELLSOUTH                       SOLE                                            61270
  BELLSOUTH                       DEFINED               25208
  BELLSOUTH                       DEFINED                                         2232
  BELLSOUTH                       OTHER                 170707
  BELLSOUTH                       OTHER                              1000
  BELLSOUTH                       OTHER                                           30042
  BELLSOUTH                       DEF/OTH               400
  BERKSHIRE                       SOLE                  1
  BERKSHIRE                       SOLE                                            3
  BERKSHIRE                       SOLE                  942
  BERKSHIRE                       SOLE                                            325
  BERKSHIRE                       DEFINED               37
  BERKSHIRE                       OTHER                 694
  BERKSHIRE                       OTHER                                           375
  BEST BUY                        SOLE                  88200
  BESTFOODS                       SOLE                  303353
  BESTFOODS                       SOLE                                            14520
  BESTFOODS                       DEFINED               9902
  BESTFOODS                       DEFINED                                         600
  BESTFOODS                       OTHER                 34477
  BESTFOODS                       OTHER                                           12400
  BESTFOODS                       DEF/OTH               100
  BIOCONTROL TECHNOLOGY           SOLE                  40000
  BIOMET                          SOLE                  5620
  BLACK & DECKER                  SOLE                  21320
  BOEING                          SOLE                  14482
  BOEING                          SOLE                                            1700
  BOEING                          OTHER                 1700
  BOEING                          OTHER                                           674
  BOISE CASCADE                   SOLE                                            9000
  BRISTOL MYERS SQUIBB            SOLE                  456376
  BRISTOL MYERS SQUIBB            SOLE                                            60310
  BRISTOL MYERS SQUIBB            DEFINED               18000
  BRISTOL MYERS SQUIBB            DEFINED                                         4600
  BRISTOL MYERS SQUIBB            OTHER                 190875
  BRISTOL MYERS SQUIBB            OTHER                                           27100
  BRISTOL MYERS SQUIBB            DEF/OTH               100
  BROADWING                       SOLE                  8600
  BROADWING                       OTHER                 10400
  BROADWING                       OTHER                                           2600
  BURLINGTON NORTHERN SANTA FE    SOLE                  253049
  BURLINGTON NORTHERN SANTA FE    SOLE                                            5421
  BURLINGTON NORTHERN SANTA FE    DEFINED                                         1500
  BURLINGTON NORTHERN SANTA FE    OTHER                 8075
  BURLINGTON RESOURCES            SOLE                  5642
  BURLINGTON RESOURCES            SOLE                                            435
  BURLINGTON RESOURCES            DEFINED               1525
  BURLINGTON RESOURCES            OTHER                 872
  BURLINGTON RESOURCES            OTHER                                           1500
  CIGNA                           SOLE                  17795
  CIGNA                           SOLE                                            1500
  CIGNA                           DEFINED                                         2000
  CIGNA                           OTHER                 6400
  CIGNA                           OTHER                                           900
  CP & L ENERGY                   SOLE                  4792
  CP & L ENERGY                   SOLE                                            4000
  CP & L ENERGY                   DEFINED               400
  CP & L ENERGY                   OTHER                 800
  CP & L ENERGY                   OTHER                                           400
  CSX                             SOLE                  58106
  CSX                             SOLE                                            2520
  CSX                             DEFINED               1800
  CSX                             OTHER                 5620
  CTS                             SOLE                  94250
  CTS                             SOLE                                            800
  CVS                             SOLE                  8600
  CVS                             SOLE                                            7300
  CVS                             OTHER                 200
  CVS                             OTHER                              1000
  CVS                             OTHER                                           2400
  CAMPBELL SOUP                   SOLE                  10850
  CAMPBELL SOUP                   SOLE                                            200
  CAMPBELL SOUP                   OTHER                 13750
  CAMPBELL SOUP                   OTHER                              2000
  CAMPBELL SOUP                   OTHER                                           4800
  CARDINAL HEALTH                 SOLE                  18994
  CARNIVAL                        SOLE                  32700
  CARNIVAL                        SOLE                                            6750
  CARNIVAL                        DEFINED               1600
  CARNIVAL                        DEFINED                                         1300
  CARNIVAL                        OTHER                 2200
  CARNIVAL                        OTHER                                           900
  CATERPILLAR                     SOLE                  3035
  CATERPILLAR                     SOLE                                            5700
  CATERPILLAR                     OTHER                 7420
  CATERPILLAR                     OTHER                                           400
  CENDANT                         SOLE                  10325
  CENDANT                         SOLE                                            700
  CENTURYTEL                      SOLE                  3691
  CENTURYTEL                      SOLE                                            10125
  CHASE MANHATTAN                 SOLE                  268317
  CHASE MANHATTAN                 SOLE                                            26610
  CHASE MANHATTAN                 DEFINED               5400
  CHASE MANHATTAN                 DEFINED                                         750
  CHASE MANHATTAN                 OTHER                 6098
  CHASE MANHATTAN                 OTHER                                           2700
  CHEVRON                         SOLE                  56357
  CHEVRON                         SOLE                                            17004
  CHEVRON                         DEFINED               4440
  CHEVRON                         OTHER                 14260
  CHEVRON                         OTHER                                           200
  CHIRON                          SOLE                  13350
  CHIRON                          SOLE                                            25000
  CHIRON                          OTHER                 5000
  CHIRON                          OTHER                              800
  CHUBB                           SOLE                  8900
  CHUBB                           SOLE                                            200
  CHUBB                           OTHER                 13232
  CHUBB                           OTHER                                           4200
  CIRRUS LOGIC                    SOLE                  25500
  CISCO SYSTEMS                   SOLE                  895123
  CISCO SYSTEMS                   SOLE                                            104446
  CISCO SYSTEMS                   DEFINED               36833
  CISCO SYSTEMS                   DEFINED                                         3600
  CISCO SYSTEMS                   OTHER                 139023
  CISCO SYSTEMS                   OTHER                              6000
  CISCO SYSTEMS                   OTHER                                           7798
  CINTAS                          SOLE                  2630
  CINTAS                          SOLE                                            5250
  CINTAS                          DEFINED               3360
  CINTAS                          DEFINED                                         1050
  CINTAS                          OTHER                 1200
  CITIGROUP                       SOLE                  496216
  CITIGROUP                       SOLE                                            64089
  CITIGROUP                       DEFINED               27551
  CITIGROUP                       DEFINED                                         262
  CITIGROUP                       OTHER                 48276
  CITIGROUP                       OTHER                              900
  CITIGROUP                       OTHER                                           7000
  CLOROX                          SOLE                  9498
  CLOROX                          SOLE                                            15000
  COCA COLA                       SOLE                  128929
  COCA COLA                       SOLE                                            60574
  COCA COLA                       DEFINED               6696
  COCA COLA                       DEFINED                                         1400
  COCA COLA                       OTHER                 123742
  COCA COLA                       OTHER                                           47840
  COGNEX                          DEFINED               3258
  COGNEX                          OTHER                 1742
  COLGATE PALMOLIVE               SOLE                  303315
  COLGATE PALMOLIVE               SOLE                                            19960
  COLGATE PALMOLIVE               DEFINED               700
  COLGATE PALMOLIVE               DEFINED                                         800
  COLGATE PALMOLIVE               OTHER                 34425
  COLUMBIA ENERGY GROUP           SOLE                  150
  COLUMBIA ENERGY GROUP           OTHER                 15750
  COLUMBIA ENERGY GROUP           OTHER                                           4500
  COMCAST                         SOLE                  20300
  COMCAST                         OTHER                 1000
  COMDISCO INC                    SOLE                  49875
  COMERICA                        SOLE                  3825
  COMERICA                        OTHER                 5475
  COMPAQ COMPUTER                 SOLE                  96334
  COMPAQ COMPUTER                 SOLE                                            6550
  COMPAQ COMPUTER                 DEFINED               2300
  COMPAQ COMPUTER                 DEFINED                                         800
  COMPAQ COMPUTER                 OTHER                 11890
  COMPAQ COMPUTER                 OTHER                                           600
  COMPUTER ASSOCIATES             SOLE                  45184
  COMPUTER ASSOCIATES             SOLE                                            14899
  COMPUTER ASSOCIATES             DEFINED               3200
  COMPUTER ASSOCIATES             DEFINED                                         200
  COMPUTER ASSOCIATES             OTHER                 8082
  COMPUTER ASSOCIATES             OTHER                                           3150
  CONAGRA                         SOLE                  3600
  CONAGRA                         DEFINED                                         226
  CONAGRA                         OTHER                 27000
  CONECTIV                        SOLE                  13908
  CONECTIV                        OTHER                 1650
  CONECTIV                        OTHER                                           300
  CONEXANT                        SOLE                  1300
  CONEXANT                        SOLE                                            2280
  CONEXANT                        DEFINED               1920
  CONEXANT                        DEFINED                                         600
  CONEXANT                        OTHER                 1800
  CONEXANT                        OTHER                                           4700
  CONEXANT                        DEF/OTH               1516
  CONOCO                          SOLE                  60403
  CONOCO                          SOLE                                            17667
  CONOCO                          DEFINED               1137
  CONOCO                          OTHER                 7745
  CONOCO                          OTHER                                           306
  CONSOLIDATED EDISON             SOLE                  29618
  CONSOLIDATED EDISON             SOLE                                            5000
  CONSOLIDATED EDISON             DEFINED               2075
  CONSOLIDATED EDISON             OTHER                 2030
  CONSOLIDATED EDISON             OTHER                                           1840
  CONSOLIDATED TOMOKA LD          SOLE                  2415
  CONSOLIDATED TOMOKA LD          OTHER                 9083
  CONSTELLATION ENERGY GROUP      SOLE                  10754
  CONSTELLATION ENERGY GROUP      DEFINED               300
  CONSTELLATION ENERGY GROUP      OTHER                 1400
  CONSTELLATION ENERGY GROUP      OTHER                                           825
  CONVERGYS                       SOLE                  6600
  CONVERGYS                       OTHER                 10400
  CONVERGYS                       OTHER                                           2600
  CORNING                         SOLE                  29185
  CORNING                         SOLE                                            18900
  CORNING                         DEFINED               2600
  CORNING                         OTHER                 15465
  CORNING                         OTHER                                           500
  COX COMMUNICATIONS NEW CLASS A  SOLE                                            11436
  CRIIMI MAE                      SOLE                  12558
  CYPRESS SEMICONDUCTOR           SOLE                  9100
  DANAHER                         SOLE                  5480
  DANAHER                         DEFINED                                         1600
  DARDEN RESTAURANTS              SOLE                  500
  DARDEN RESTAURANTS              SOLE                                            1400
  DARDEN RESTAURANTS              OTHER                 10512
  DECS TR VI                      SOLE                  20000
  DEERE                           SOLE                  5712
  DEERE                           OTHER                 9800
  DEERE                           OTHER                                           8400
  DELL COMPUTER                   SOLE                  432132
  DELL COMPUTER                   SOLE                                            99816
  DELL COMPUTER                   DEFINED               67384
  DELL COMPUTER                   DEFINED                                         1700
  DELL COMPUTER                   OTHER                 24803
  DELL COMPUTER                   OTHER                              2800
  DELL COMPUTER                   OTHER                                           15781
  DELPHI AUTOMOTIVE SYS           SOLE                  7303
  DELPHI AUTOMOTIVE SYS           SOLE                                            647
  DELPHI AUTOMOTIVE SYS           DEFINED               811
  DELPHI AUTOMOTIVE SYS           OTHER                 2194
  DELPHI AUTOMOTIVE SYS           OTHER                                           1186
  DISNEY WALT                     SOLE                  449707
  DISNEY WALT                     SOLE                                            98318
  DISNEY WALT                     DEFINED               9577
  DISNEY WALT                     DEFINED                                         1600
  DISNEY WALT                     OTHER                 44999
  DISNEY WALT                     OTHER                                           25720
  DISNEY WALT                     DEF/OTH               150
  DOLLAR TREE STORES              SOLE                  145500
  DOMINION RES                    SOLE                  15017
  DOMINION RES                    SOLE                                            10239
  DOMINION RES                    DEFINED               450
  DOMINION RES                    OTHER                 677
  DOMINION RES                    OTHER                                           1025
  DONALDSON LUFKIN & JENRETTE     SOLE                  24426
  DONALDSON LUFKIN & JENRETTE     SOLE                                            250
  DONALDSON LUFKIN & JENRETTE     OTHER                 1706
  DOVER                           SOLE                                            13290
  DOVER                           DEFINED               2000
  DOVER                           OTHER                 3520
  DOW CHEMICAL                    SOLE                  37872
  DOW CHEMICAL                    SOLE                                            15171
  DOW CHEMICAL                    DEFINED               1575
  DOW CHEMICAL                    OTHER                 28137
  DOW CHEMICAL                    OTHER                                           33900
  DU PONT E I DE NEMOURS          SOLE                  345526
  DU PONT E I DE NEMOURS          SOLE                                            29103
  DU PONT E I DE NEMOURS          DEFINED               6817
  DU PONT E I DE NEMOURS          DEFINED                                         1550
  DU PONT E I DE NEMOURS          OTHER                 78519
  DU PONT E I DE NEMOURS          OTHER                                           31156
  DU PONT E I DE NEMOURS          DEF/OTH               300
  DUKE ENERGY                     SOLE                  18726
  DUKE ENERGY                     SOLE                                            13197
  DUKE ENERGY                     DEFINED               1050
  DUKE ENERGY                     DEFINED                                         2350
  DUKE ENERGY                     OTHER                 6400
  DUKE ENERGY                     OTHER                                           3750
  DUKE RLTY INVTS                 SOLE                  610
  DUKE RLTY INVTS                 SOLE                                            10000
  DUN & BRADSTREET                SOLE                  30297
  DUN & BRADSTREET                OTHER                                           2680
  EMC                             SOLE                  467654
  EMC                             SOLE                                            54060
  EMC                             DEFINED               7875
  EMC                             DEFINED                                         200
  EMC                             OTHER                 28120
  EMC                             OTHER                              2400
  EMC                             OTHER                                           5570
  E-TEK DYNAMICS                  SOLE                  450
  E-TEK DYNAMICS                  SOLE                                            2000
  E'TOWN                          SOLE                  3650
  E'TOWN                          SOLE                                            582
  E'TOWN                          OTHER                 1129
  E'TOWN                          OTHER                                           600
  EARTHLINK                       SOLE                  10000
  EASTERN ENTERPRISES             SOLE                                            3551
  EASTERN ENTERPRISES             DEFINED               25
  EASTMAN KODAK                   SOLE                  32620
  EASTMAN KODAK                   SOLE                                            1946
  EASTMAN KODAK                   OTHER                 4308
  EASTMAN KODAK                   OTHER                                           700
  EBAY                            SOLE                  6100
  EBAY                            OTHER                 300
  EDINBERG                        OTHER                                           82
  800 TRAVEL SYS                  SOLE                  10000
  EL PASO ENERGY                  SOLE                  30000
  EL PASO ENERGY DEL              SOLE                  43796
  EL PASO ENERGY DEL              OTHER                 7500
  EL PASO ENERGY DEL              OTHER                                           300
  ELAN PLC                        SOLE                  89200
  ELAN PLC                        SOLE                                            1000
  ELAN PLC                        OTHER                 3900
  ELECTRONIC DATA SYSTEMS         SOLE                  248646
  ELECTRONIC DATA SYSTEMS         SOLE                                            30900
  ELECTRONIC DATA SYSTEMS         DEFINED               9591
  ELECTRONIC DATA SYSTEMS         DEFINED                                         1200
  ELECTRONIC DATA SYSTEMS         OTHER                 24563
  ELECTRONIC DATA SYSTEMS         OTHER                              1400
  ELECTRONIC DATA SYSTEMS         OTHER                                           5510
  EMERSON ELEC                    SOLE                  177652
  EMERSON ELEC                    SOLE                                            15798
  EMERSON ELEC                    OTHER                 19438
  EMERSON ELEC                    OTHER                                           19800
  ENERGY EAST                     SOLE                  1830
  ENERGY EAST                     SOLE                                            25499
  ENERGY EAST                     OTHER                 200
  ENGELHARD                       SOLE                  27287
  ENGELHARD                       SOLE                                            1050
  ENGELHARD                       DEFINED               4450
  ENGELHARD                       OTHER                 14100
  ENGELHARD                       OTHER                                           12350
  ENRON                           SOLE                  860113
  ENRON                           SOLE                                            64375
  ENRON                           DEFINED               15006
  ENRON                           DEFINED                                         1800
  ENRON                           OTHER                 67138
  ENRON                           OTHER                                           5059
  ENRON                           DEF/OTH               300
  EQUITY INCOME FUND              SOLE                  3367
  EQUITY INCOME FUND              DEFINED               534
  EQUITY INCOME FUND              DEFINED                                         100
  EQUITY INCOME FUND              OTHER                 3900
  EQUITY INNS                     OTHER                 14000
  EQUITY INV FD                   SOLE                  31740
  ERICSSON                        SOLE                  148340
  ERICSSON                        SOLE                                            22120
  ERICSSON                        DEFINED               13600
  ERICSSON                        OTHER                 7700
  ERICSSON                        OTHER                                           27900
  ETOYS                           SOLE                  20000
  EXXON MOBIL                     SOLE                  842829
  EXXON MOBIL                     SOLE                                            120239
  EXXON MOBIL                     DEFINED               25966
  EXXON MOBIL                     DEFINED                                         6680
  EXXON MOBIL                     OTHER                 302577
  EXXON MOBIL                     OTHER                              1852
  EXXON MOBIL                     OTHER                                           87395
  EXXON MOBIL                     DEF/OTH               541
  FPL                             SOLE                  118976
  FPL                             SOLE                                            15950
  FPL                             OTHER                 3250
  FPL                             OTHER                                           1300
  FT UNIT                         SOLE                  10307
  FANNIE MAE                      SOLE                  126325
  FANNIE MAE                      SOLE                                            46850
  FANNIE MAE                      DEFINED                                         500
  FANNIE MAE                      OTHER                 18376
  FANNIE MAE                      OTHER                                           2400
  FEDERATED INDEX TR              SOLE                  6873
  FEDERATED INDEX TR              OTHER                 3476
  FEDEX                           SOLE                  4200
  FEDEX                           SOLE                                            4500
  FEDEX                           DEFINED               600
  FEDEX                           OTHER                 600
  FIDELITY                        SOLE                  6219
  FIDELITY                        OTHER                                           22354
  FIRST AUSTRALIA PRIME           SOLE                  9000
  FIRST AUSTRALIA PRIME           SOLE                                            5000
  FIRST DATA                      SOLE                  4397
  FIRST DATA                      SOLE                                            500
  FIRST DATA                      OTHER                 1000
  FIRST SEC DEL                   OTHER                 10800
  FIRST SEC DEL                   OTHER                                           11250
  FIRST UNION                     SOLE                  194312
  FIRST UNION                     SOLE                                            11741
  FIRST UNION                     DEFINED               9188
  FIRST UNION                     DEFINED                                         460
  FIRST UNION                     OTHER                 60227
  FIRST UNION                     OTHER                                           18100
  FIRST UNION                     DEF/OTH               321
  FIRST UNION                     SOLE                  300000
  FLEETBOSTON FINANCIAL           SOLE                  8206
  FLEETBOSTON FINANCIAL           SOLE                                            800
  FLEETBOSTON FINANCIAL           OTHER                 13555
  FLEETBOSTON FINANCIAL           OTHER                                           7200
  FLEMINGTON FUR                  SOLE                  93234
  FLEMINGTON FUR                  SOLE                  71914
  FLORIDA                         SOLE                  11130
  FLORIDA                         DEFINED               150
  FLORIDA                         OTHER                 3900
  FLORIDA                         OTHER                                           450
  FLUOR                           SOLE                  7000
  FORD MOTOR DEL                  SOLE                  198383
  FORD MOTOR DEL                  SOLE                                            9000
  FORD MOTOR DEL                  DEFINED                                         1000
  FORD MOTOR DEL                  OTHER                 3220
  FORD MOTOR DEL                  OTHER                                           1600
  FORTUNE BRANDS                  SOLE                  15450
  FORTUNE BRANDS                  SOLE                                            600
  FORTUNE BRANDS                  DEFINED               800
  FORTUNE BRANDS                  OTHER                 6148
  FOUNDRY NETWORKS                SOLE                  2000
  FRANKLIN INTERNATIONAL          OTHER                                           4316
  FRANKLIN RESOURCES              SOLE                  5780
  FRANKLIN RESOURCES              SOLE                                            800
  FRANKLIN RESOURCES              DEFINED               337
  FRANKLIN RESOURCES              OTHER                 7659
  FULTON FINL PA                  SOLE                  34650
  GPU                             SOLE                  11067
  GPU                             SOLE                                            7080
  GPU                             DEFINED               488
  GPU                             DEFINED                                         750
  GPU                             OTHER                 30488
  GPU                             OTHER                                           850
  GTE                             SOLE                  113708
  GTE                             SOLE                                            25787
  GTE                             DEFINED               4335
  GTE                             OTHER                 52257
  GTE                             OTHER                                           2550
  GALLAHER GROUP                  SOLE                  9650
  GALLAHER GROUP                  OTHER                 3878
  GANNETT                         SOLE                  173616
  GANNETT                         SOLE                                            14400
  GANNETT                         DEFINED               1600
  GANNETT                         OTHER                 16800
  GANNETT                         OTHER                                           600
  GAP STORES                      SOLE                  46932
  GAP STORES                      SOLE                                            19200
  GAP STORES                      DEFINED               1012
  GATEWAY                         SOLE                  650
  GATEWAY                         OTHER                 1500
  GATEWAY                         OTHER                              2000
  GENERAL ELECTRIC                SOLE                  2769819
  GENERAL ELECTRIC                SOLE                                            560641
  GENERAL ELECTRIC                DEFINED               96461
  GENERAL ELECTRIC                DEFINED                                         18150
  GENERAL ELECTRIC                OTHER                 828933
  GENERAL ELECTRIC                OTHER                              8400
  GENERAL ELECTRIC                OTHER                                           443266
  GENERAL ELECTRIC                DEF/OTH               900
  GENERAL MILLS                   SOLE                  9300
  GENERAL MILLS                   SOLE                                            7232
  GENERAL MILLS                   DEFINED               2768
  GENERAL MILLS                   OTHER                 33740
  GENERAL MILLS                   OTHER                                           4928
  GENERAL MOTORS                  SOLE                  14852
  GENERAL MOTORS                  SOLE                                            4767
  GENERAL MOTORS                  DEFINED               1162
  GENERAL MOTORS                  OTHER                 3348
  GENERAL MOTORS                  OTHER                                           2150
  GENUINE PARTS                   SOLE                  6750
  GENUINE PARTS                   SOLE                                            900
  GENUINE PARTS                   OTHER                 5775
  GENZYME                         SOLE                  2200
  GENZYME                         DEFINED               2000
  GENZYME                         OTHER                 2800
  GEORGIA PACIFIC                 SOLE                  9580
  GEORGIA PACIFIC                 OTHER                 2600
  GEORGIA PACIFIC                 OTHER                                           4000
  GILLETTE                        SOLE                  91659
  GILLETTE                        SOLE                                            58422
  GILLETTE                        DEFINED               9881
  GILLETTE                        OTHER                 24437
  GILLETTE                        OTHER                                           2541
  GLAXO                           SOLE                  169120
  GLAXO                           SOLE                                            3664
  GLAXO                           OTHER                 11085
  GLIMCHER REALTY TRUST           OTHER                 10950
  GOVERNMENT SECURITIES INCOME FD SOLE                                            88334
  GUIDANT                         SOLE                  17643
  GUIDANT                         OTHER                 3276
  HALLIBURTON                     SOLE                  11580
  HALLIBURTON                     SOLE                                            8600
  HALLIBURTON                     OTHER                 3800
  HALLIBURTON                     OTHER                                           1600
  HARCOURT GENERAL                SOLE                  20000
  HARCOURT GENERAL                OTHER                 1000
  HARLEY DAVIDSON                 SOLE                  178855
  HARLEY DAVIDSON                 SOLE                                            16000
  HARLEY DAVIDSON                 DEFINED               60
  HARLEY DAVIDSON                 OTHER                 6400
  HARTFORD FINANCIAL SERVICES     SOLE                  19620
  HARTFORD FINANCIAL SERVICES     DEFINED               1508
  HARTFORD FINANCIAL SERVICES     OTHER                 6100
  HARTFORD FINANCIAL SERVICES     OTHER                                           1000
  THE HARVILL PRESS LIMITED       OTHER                 18625
  HEALTHEON/WEBMD                 SOLE                  11000
  HEINEKEN NV ADR                 SOLE                                            6500
  HEINZ H J                       SOLE                  13940
  HEINZ H J                       SOLE                                            9400
  HEINZ H J                       DEFINED               900
  HEINZ H J                       DEFINED                                         300
  HEINZ H J                       OTHER                 14915
  HEINZ H J                       OTHER                                           2350
  HELIX TECHNOLOGY                OTHER                 7800
  HELIX TECHNOLOGY                OTHER                                           7200
  HERCULES                        SOLE                  13856
  HERCULES                        OTHER                 1900
  HERSHEY FOODS                   SOLE                  11060
  HERSHEY FOODS                   SOLE                                            825
  HERSHEY FOODS                   DEFINED               600
  HERSHEY FOODS                   OTHER                 4000
  HEWLETT PACKARD                 SOLE                  239341
  HEWLETT PACKARD                 SOLE                                            24435
  HEWLETT PACKARD                 DEFINED               2035
  HEWLETT PACKARD                 DEFINED                                         300
  HEWLETT PACKARD                 OTHER                 45483
  HEWLETT PACKARD                 OTHER                                           5350
  HEWLETT PACKARD                 DEF/OTH               200
  HOME DEPOT                      SOLE                  480646
  HOME DEPOT                      SOLE                                            91563
  HOME DEPOT                      DEFINED               32889
  HOME DEPOT                      DEFINED                                         2775
  HOME DEPOT                      OTHER                 85263
  HOME DEPOT                      OTHER                              2250
  HOME DEPOT                      OTHER                                           7892
  HONEYWELL INTERNATIONAL         SOLE                  127935
  HONEYWELL INTERNATIONAL         SOLE                                            19537
  HONEYWELL INTERNATIONAL         DEFINED               1700
  HONEYWELL INTERNATIONAL         OTHER                 11020
  HOOPER HOLMES                   SOLE                  30000
  HOST MARRIOTT (REIT)            OTHER                 15230
  HOUSEHOLD INTERNATIONAL         SOLE                  83880
  HOUSEHOLD INTERNATIONAL         SOLE                                            797
  HOUSEHOLD INTERNATIONAL         OTHER                 5573
  HYSEQ                           SOLE                  5000
  IMS HEALTH                      SOLE                  28000
  IMS HEALTH                      SOLE                                            8000
  IMS HEALTH                      DEFINED               2400
  IMS HEALTH                      OTHER                 400
  IMS HEALTH                      OTHER                                           5360
  ILLINOIS TOOL WORKS             SOLE                  21249
  ILLINOIS TOOL WORKS             SOLE                                            700
  ILLINOIS TOOL WORKS             DEFINED               297
  ILLINOIS TOOL WORKS             OTHER                 8578
  ILLINOIS TOOL WORKS             OTHER                                           29285
  IMPERIAL OIL                    SOLE                                            6600
  IMPERIAL OIL                    OTHER                 5100
  INFORMIX                        SOLE                  13300
  INFORMIX                        SOLE                                            300
  INFORMIX                        DEFINED               1000
  INGERSOLL RAND                  SOLE                  178143
  INGERSOLL RAND                  SOLE                                            4912
  INGERSOLL RAND                  OTHER                 2100
  INTEL                           SOLE                  608130
  INTEL                           SOLE                                            105060
  INTEL                           DEFINED               13689
  INTEL                           DEFINED                                         2100
  INTEL                           OTHER                 91552
  INTEL                           OTHER                              1200
  INTEL                           OTHER                                           34521
  INTL BUSINESS MACHINES          SOLE                  219327
  INTL BUSINESS MACHINES          SOLE                                            366591
  INTL BUSINESS MACHINES          DEFINED               2073
  INTL BUSINESS MACHINES          DEFINED                                         9360
  INTL BUSINESS MACHINES          OTHER                 45093
  INTL BUSINESS MACHINES          OTHER                                           31820
  INTL FLAVORS & FRAGRANCES       SOLE                                            4500
  INTL FLAVORS & FRAGRANCES       DEFINED               2500
  INTL FLAVORS & FRAGRANCES       OTHER                 1000
  INTERNATIONAL PAPER             SOLE                  7028
  INTERNATIONAL PAPER             OTHER                 3942
  INTERPUBLIC GROUP               SOLE                  7000
  INTERPUBLIC GROUP               SOLE                                            3600
  JDS UNIPHASE                    SOLE                  82754
  JDS UNIPHASE                    SOLE                                            400
  JANUS                           SOLE                  14673
  JOHNSON & JOHNSON               SOLE                  495177
  JOHNSON & JOHNSON               SOLE                                            72750
  JOHNSON & JOHNSON               DEFINED               16549
  JOHNSON & JOHNSON               DEFINED                                         1900
  JOHNSON & JOHNSON               OTHER                 95111
  JOHNSON & JOHNSON               OTHER                              400
  JOHNSON & JOHNSON               OTHER                                           44772
  JUNIPER NETWORKS                SOLE                  7000
  KELLOGG                         SOLE                  2600
  KELLOGG                         OTHER                                           128000
  KEMPER MUN BD FD SH BEN INT     SOLE                                            19040
  KEMPER GOVT SECS TR             SOLE                  10000
  KEYSPAN                         SOLE                  2192
  KEYSPAN                         SOLE                                            5756
  KEYSPAN                         DEFINED               1348
  KEYSPAN                         OTHER                 600
  KEYSPAN                         OTHER                                           528
  KIMBERLY CLARK                  SOLE                  211057
  KIMBERLY CLARK                  SOLE                                            16300
  KIMBERLY CLARK                  DEFINED               3056
  KIMBERLY CLARK                  OTHER                 11380
  KIMBERLY CLARK                  OTHER                                           400
  KIMBERLY CLARK                  DEF/OTH               100
  KIMCO REALTY                    SOLE                  1000
  KIMCO REALTY                    SOLE                                            7300
  KINDER MORGAN ENERGY PARTNERS   SOLE                  2500
  KINDER MORGAN ENERGY PARTNERS   SOLE                                            556
  KINDER MORGAN ENERGY PARTNERS   OTHER                 4500
  KOHL'S                          SOLE                  124000
  KOHL'S                          OTHER                 280
  KONINKLIJKE PHILLIPS ELECTRONICSSOLE                  47960
  KONINKLIJKE PHILLIPS ELECTRONICSOTHER                 3680
  KROGER                          SOLE                  45000
  KROGER                          OTHER                                           5000
  ESTEE LAUDER AUTO EXCH SEC TR IISOLE                  17000
  ESTEE LAUDER COMPANIES-CL A     SOLE                  2285
  ESTEE LAUDER COMPANIES-CL A     SOLE                                            800
  ESTEE LAUDER COMPANIES-CL A     OTHER                 1230
  LEHMAN BROS                     SOLE                  2714
  LEHMAN BROS                     OTHER                 4175
  LEHMAN BROS                     OTHER                                           399
  LEVITZ FURNITURE                SOLE                  20000
  LIBERTY PPTY TR                 SOLE                  6995
  LIBERTY PPTY TR                 DEFINED                                         500
  LIBERTY PPTY TR                 OTHER                 9625
  LIGHTPATH TECHNOLOGIES          SOLE                                            6000
  LIGHTPATH TECHNOLOGIES          DEFINED               2500
  LIGHTPATH TECHNOLOGIES          DEFINED                                         1000
  LIGHTPATH TECHNOLOGIES          OTHER                 900
  LIGHTPATH TECHNOLOGIES          OTHER                                           1000
  LILLY ELI                       SOLE                  15661
  LILLY ELI                       SOLE                                            1150
  LILLY ELI                       OTHER                 7524
  LILLY ELI                       OTHER                                           2300
  LIMITED                         SOLE                  113800
  LIMITED                         SOLE                                            1000
  LIMITED                         OTHER                 5946
  LINCOLN NATL                    SOLE                  70000
  LINEAR TECHNOLOGY               SOLE                  4000
  LINEAR TECHNOLOGY               DEFINED               5300
  LOCKHEED MARTIN                 SOLE                  6792
  LOCKHEED MARTIN                 SOLE                                            1500
  LUCENT TECHNOLOGIES             SOLE                  794826
  LUCENT TECHNOLOGIES             SOLE                                            119581
  LUCENT TECHNOLOGIES             DEFINED               26671
  LUCENT TECHNOLOGIES             DEFINED                                         4722
  LUCENT TECHNOLOGIES             OTHER                 119682
  LUCENT TECHNOLOGIES             OTHER                              1300
  LUCENT TECHNOLOGIES             OTHER                                           22007
  LUCENT TECHNOLOGIES             DEF/OTH               400
  MBIA                            SOLE                  350
  MBIA                            SOLE                                            2000
  MBIA                            DEFINED               1700
  MBIA                            OTHER                 400
  MBNA                            SOLE                  29919
  MBNA                            SOLE                                            9409
  MBNA                            DEFINED               17246
  MBNA                            OTHER                 13273
  MBNA                            OTHER                                           3600
  MCI CAPITAL I                   SOLE                  6950
  MCI CAPITAL I                   SOLE                                            500
  MCI CAPITAL I                   DEFINED               500
  MCI CAPITAL I                   OTHER                 3700
  MGI PHARMA                      OTHER                 10000
  MACK-CALI REALTY                SOLE                  1000
  MACK-CALI REALTY                DEFINED                                         500
  MACK-CALI REALTY                OTHER                 4400
  MACK-CALI REALTY                OTHER                                           1900
  MARSH & MCLENNAN                SOLE                  49175
  MARSH & MCLENNAN                OTHER                 900
  MARRIOTT INTERNATIONAL          SOLE                                            3400
  MARRIOTT INTERNATIONAL          OTHER                 14700
  MARRIOTT INTERNATIONAL          OTHER                                           600
  MASCO                           SOLE                  15711
  MASCO                           SOLE                                            2800
  MASCO                           OTHER                 12200
  MASCO                           OTHER                                           800
  MATTEL                          SOLE                  140276
  MATTEL                          SOLE                                            18600
  MATTEL                          OTHER                 2650
  MAXYGEN                         SOLE                  7000
  MAXYGEN                         OTHER                 33334
  MAY DEPT STORES                 SOLE                  27278
  MAY DEPT STORES                 SOLE                                            750
  MAY DEPT STORES                 OTHER                 13054
  MAY DEPT STORES                 OTHER                                           27072
  MCDONALDS                       SOLE                  51868
  MCDONALDS                       SOLE                                            16700
  MCDONALDS                       OTHER                 7060
  MCDONALDS                       OTHER                                           6400
  MCGRAW HILL                     SOLE                  60280
  MCGRAW HILL                     OTHER                 8500
  MCGRAW HILL                     OTHER                                           6400
  MEDAREX                         SOLE                  5000
  MEDIAONE GROUP                  SOLE                  15618
  MEDIAONE GROUP                  SOLE                                            702
  MEDIAONE GROUP                  DEFINED               225
  MEDIAONE GROUP                  OTHER                 6189
  MEDIAONE GROUP                  OTHER                                           200
  MEDIMMUNE                       SOLE                  4500
  MEDIMMUNE                       OTHER                 4800
  MEDTRONICS                      SOLE                  14284
  MEDTRONICS                      SOLE                                            12200
  MEDTRONICS                      DEFINED               1000
  MEDTRONICS                      OTHER                 4400
  MELLON FINANCIAL                SOLE                  77624
  MELLON FINANCIAL                SOLE                                            4400
  MELLON FINANCIAL                OTHER                 44300
  MERCK                           SOLE                  821451
  MERCK                           SOLE                                            249365
  MERCK                           DEFINED               30240
  MERCK                           DEFINED                                         6426
  MERCK                           OTHER                 207998
  MERCK                           OTHER                              204480
  MERCK                           OTHER                                           92295
  MERCK                           DEF/OTH               300
  MERRILL LYNCH                   SOLE                  12940
  MERRILL LYNCH                   SOLE                                            6900
  MERRILL LYNCH                   OTHER                 1400
  MERRILL LYNCH                   OTHER                              250
  MICHIGAN ST HIGHER ED STUDENT   SOLE                  950000
  MICROSOFT                       SOLE                  551380
  MICROSOFT                       SOLE                                            131111
  MICROSOFT                       DEFINED               23454
  MICROSOFT                       DEFINED                                         3250
  MICROSOFT                       OTHER                 99096
  MICROSOFT                       OTHER                              2310
  MICROSOFT                       OTHER                                           46567
  MICROSOFT                       DEF/OTH               100
  MICRON TECHNOLOGY               SOLE                  7600
  MIDCAP SPDR TR                  SOLE                  2500
  MINNESOTA MNG & MFG             SOLE                  120829
  MINNESOTA MNG & MFG             SOLE                                            17032
  MINNESOTA MNG & MFG             DEFINED               2300
  MINNESOTA MNG & MFG             OTHER                 17970
  MINNESOTA MNG & MFG             OTHER                                           3600
  MOLEX                           SOLE                  4070
  MOLEX                           DEFINED               2133
  MOLEX                           OTHER                 1152
  MONY GROUP                      SOLE                  112
  MONY GROUP                      SOLE                                            7000
  MORGAN J P                      SOLE                  111002
  MORGAN J P                      SOLE                                            14625
  MORGAN J P                      DEFINED               1150
  MORGAN J P                      DEFINED                                         200
  MORGAN J P                      OTHER                 15430
  MORGAN J P                      OTHER                                           4650
  MORGAN STANLEY                  SOLE                  284161
  MORGAN STANLEY                  SOLE                                            41424
  MORGAN STANLEY                  DEFINED               11171
  MORGAN STANLEY                  DEFINED                                         1300
  MORGAN STANLEY                  OTHER                 22468
  MORGAN STANLEY                  OTHER                                           1040
  MOTOROLA                        SOLE                  492124
  MOTOROLA                        SOLE                                            47859
  MOTOROLA                        DEFINED               10500
  MOTOROLA                        OTHER                 46190
  MOTOROLA                        OTHER                              2400
  MOTOROLA                        OTHER                                           8600
  MUNIYIELD NJ FUND               SOLE                  5125
  MUNIYIELD NJ FUND               DEFINED               1126
  MUNIYIELD NJ FUND               OTHER                                           5150
  MURPHY OIL                      OTHER                 2769
  MURPHY OIL                      OTHER                                           1760
  NASDAQ- 100 SHARES              SOLE                  1905
  NASDAQ- 100 SHARES              SOLE                                            15775
  NASDAQ- 100 SHARES              DEFINED                                         400
  NASDAQ- 100 SHARES              OTHER                 410
  NATIONAL FUEL GAS               SOLE                  5800
  NATIONAL FUEL GAS               SOLE                                            1300
  NATIONAL FUEL GAS               OTHER                 3880
  NATIONAL FUEL GAS               OTHER                                           1100
  NATIONAL WESTMINSTER BANK PLC   SOLE                  5559
  NESTLE S A                      SOLE                  16600
  NESTLE S A                      SOLE                                            800
  NESTLE S A                      OTHER                 1150
  NETWORK APPLIANCE               SOLE                  114000
  NETWORK APPLIANCE               SOLE                                            600
  NEW JERSEY RESOURCES            SOLE                  6397
  NEW JERSEY RESOURCES            SOLE                                            100
  NEW JERSEY RESOURCES            OTHER                 500
  NEW SKY COMMUNICATIONS          SOLE                  185000
  NEW YORK REGL RAIL              SOLE                  34000
  NEWELL FINL TR I                SOLE                  35000
  NEXTEL COMMUNICATIONS           SOLE                  3520
  NOKIA                           SOLE                  707794
  NOKIA                           SOLE                                            59560
  NOKIA                           DEFINED               10622
  NOKIA                           DEFINED                                         1700
  NOKIA                           OTHER                 69590
  NOKIA                           OTHER                              6400
  NOKIA                           OTHER                                           7290
  NORFOLK SOUTHERN                SOLE                  197790
  NORFOLK SOUTHERN                SOLE                                            9600
  NORFOLK SOUTHERN                DEFINED               3500
  NORFOLK SOUTHERN                OTHER                 1500
  NORFOLK SOUTHERN                OTHER                                           7080
  NORTEL NETWORKS NEW             SOLE                  65044
  NORTEL NETWORKS NEW             SOLE                                            12000
  NORTEL NETWORKS NEW             OTHER                 1300
  NORTEL NETWORKS NEW             OTHER                                           700
  NORTH AMERICAN TRAINING         SOLE                  39217
  NORTHERN TRUST                  SOLE                  316120
  NORTHERN TRUST                  SOLE                                            32580
  NORTHERN TRUST                  DEFINED               9274
  NORTHERN TRUST                  DEFINED                                         1000
  NORTHERN TRUST                  OTHER                 26943
  NORTHERN TRUST                  OTHER                              1200
  NORTHERN TRUST                  OTHER                                           2442
  NVIDIA                          SOLE                  4000
  OMNICOM GROUP                   SOLE                  73600
  OMNICOM GROUP                   OTHER                                           2250
  ORACLE                          SOLE                  51004
  ORACLE                          SOLE                                            7300
  ORACLE                          DEFINED               500
  ORACLE                          OTHER                 9200
  ORACLE                          OTHER                                           550
  PECO ENERGY                     SOLE                  11714
  PECO ENERGY                     SOLE                                            950
  PECO ENERGY                     OTHER                 300
  PNC FINANCIAL SERVICES GROUP    SOLE                  20166
  PNC FINANCIAL SERVICES GROUP    SOLE                                            1540
  PNC FINANCIAL SERVICES GROUP    DEFINED               1149
  PNC FINANCIAL SERVICES GROUP    OTHER                 3547
  PNC FINANCIAL SERVICES GROUP    OTHER                                           512
  PPG                             SOLE                  58447
  PPG                             SOLE                                            1800
  PPG                             DEFINED               2050
  PPG                             OTHER                 5086
  PPG                             OTHER                                           1300
  PPL                             SOLE                  59006
  PPL                             SOLE                                            9770
  PPL                             DEFINED               400
  PPL                             OTHER                 10646
  PPL                             OTHER                                           600
  PACIFIC GULF PPTYS              SOLE                                            2000
  PACIFIC GULF PPTYS              OTHER                 6450
  PARDEE RESOURCES                SOLE                  11400
  PARKER HANNIFIN                 SOLE                  13499
  PAYCHEX                         SOLE                  2929
  PAYCHEX                         SOLE                                            17291
  PAYCHEX                         DEFINED               32488
  PAYCHEX                         OTHER                 11748
  PENNEY J C                      SOLE                  40000
  PENNZOIL-QUAKER ST              SOLE                  2335
  PENNZOIL-QUAKER ST              OTHER                 6896
  PENNZOIL-QUAKER ST              OTHER                                           6560
  PEPSICO                         SOLE                  375427
  PEPSICO                         SOLE                                            58474
  PEPSICO                         DEFINED               5500
  PEPSICO                         OTHER                 103246
  PEPSICO                         OTHER                              1800
  PEPSICO                         OTHER                                           33540
  PERKINELMER                     DEFINED               4000
  PFIZER                          SOLE                  1626870
  PFIZER                          SOLE                                            192037
  PFIZER                          DEFINED               65185
  PFIZER                          DEFINED                                         5863
  PFIZER                          OTHER                 550324
  PFIZER                          OTHER                              1200
  PFIZER                          OTHER                                           88831
  PHARMACIA                       SOLE                  206162
  PHARMACIA                       SOLE                                            23837
  PHARMACIA                       DEFINED               5030
  PHARMACIA                       DEFINED                                         1214
  PHARMACIA                       OTHER                 18460
  PHARMACIA                       OTHER                                           7000
  PHILIP MORRIS                   SOLE                  66615
  PHILIP MORRIS                   SOLE                                            10800
  PHILIP MORRIS                   DEFINED               9670
  PHILIP MORRIS                   OTHER                 83516
  PHILIP MORRIS                   OTHER                                           24840
  PHILLIPS PETE                   SOLE                  4020
  PHILLIPS PETE                   OTHER                 1285
  PITNEY BOWES                    SOLE                  92300
  PITNEY BOWES                    SOLE                                            3800
  PITNEY BOWES                    OTHER                 5900
  PITNEY BOWES                    OTHER                                           300
  PRAXAIR                         SOLE                  13980
  PRAXAIR                         OTHER                 1226
  PRAXAIR                         DEF/OTH               309
  PREFORMED LINE PRODUCTS         SOLE                  36000
  PREMIER BANCORP                 SOLE                                            12978
  PROCTER & GAMBLE                SOLE                  272148
  PROCTER & GAMBLE                SOLE                                            40260
  PROCTER & GAMBLE                DEFINED               9182
  PROCTER & GAMBLE                OTHER                 59126
  PROCTER & GAMBLE                OTHER                              400
  PROCTER & GAMBLE                OTHER                                           31546
  PROGRESS SOFTWARE               SOLE                  20000
  PROGRESS SOFTWARE               DEFINED               6000
  PROVIDIAN FINANCIAL             OTHER                 1298
  PROVIDIAN FINANCIAL             OTHER                                           2500
  PROXICOM                        SOLE                  4500
  PROXYMED                        SOLE                  10000
  PSINET                          SOLE                  30000
  PUBLIC SERVICE ENTERPRISE       SOLE                  58380
  PUBLIC SERVICE ENTERPRISE       SOLE                                            4965
  PUBLIC SERVICE ENTERPRISE       DEFINED               3324
  PUBLIC SERVICE ENTERPRISE       DEFINED                                         500
  PUBLIC SERVICE ENTERPRISE       OTHER                 38647
  PUBLIC SERVICE ENTERPRISE       OTHER                                           10512
  QUAKER OATS                     SOLE                  2590
  QUAKER OATS                     SOLE                                            200
  QUAKER OATS                     DEFINED               1878
  QUAKER OATS                     OTHER                 1100
  QUALCOMM                        SOLE                  11285
  QUALCOMM                        SOLE                                            10000
  QUALCOMM                        DEFINED               1600
  QUALCOMM                        DEFINED                                         200
  QUALCOMM                        OTHER                 2190
  QUESTAR                         OTHER                 13200
  QUESTAR                         OTHER                                           14000
  QWEST COMMUNICATIONS INTL       SOLE                  6724
  QWEST COMMUNICATIONS INTL       SOLE                                            480
  QWEST COMMUNICATIONS INTL       OTHER                 3600
  QWEST COMMUNICATIONS INTL       OTHER                              1000
  RAYTHEON                        SOLE                  8955
  RAYTHEON                        SOLE                                            800
  RAYTHEON                        DEFINED               800
  RAYTHEON                        OTHER                 2000
  RAYTHEON                        OTHER                                           9000
  READERS DIGEST FIN TR           SOLE                  46000
  READERS DIGEST FIN TR           OTHER                 1000
  REDBACK NETWORKS                SOLE                  4900
  RELIANT ENERGY                  SOLE                  1988
  RELIANT ENERGY                  DEFINED               1000
  RELIANT ENERGY                  OTHER                 3000
  RELIANT ENERGY                  OTHER                                           1500
  REPSOL SA SPONSORED ADR         SOLE                  7500
  REPSOL SA SPONSORED ADR         OTHER                 3000
  RITE AID                        SOLE                  11850
  RITE AID                        OTHER                 2000
  ROBERT HALF INTL                SOLE                  9080
  ROCKWELL INTL                   SOLE                  4660
  ROCKWELL INTL                   DEFINED               1200
  ROCKWELL INTL                   OTHER                 1900
  ROCKWELL INTL                   OTHER                                           2500
  ROCKWELL INTL                   DEF/OTH               1517
  ROHM & HAAS                     SOLE                  5820
  ROYAL DUTCH PETE                SOLE                  243676
  ROYAL DUTCH PETE                SOLE                                            15000
  ROYAL DUTCH PETE                DEFINED               3220
  ROYAL DUTCH PETE                OTHER                 49475
  ROYAL DUTCH PETE                OTHER                                           11900
  SBC COMMUNICATIONS              SOLE                  527153
  SBC COMMUNICATIONS              SOLE                                            66282
  SBC COMMUNICATIONS              DEFINED               19098
  SBC COMMUNICATIONS              DEFINED                                         3926
  SBC COMMUNICATIONS              OTHER                 152838
  SBC COMMUNICATIONS              OTHER                                           19772
  SBC COMMUNICATIONS              DEF/OTH               100
  SEI                             SOLE                  6000
  S&P 500 DEPOSITARY RECEIPT      SOLE                  780
  S&P 500 DEPOSITARY RECEIPT      SOLE                                            31245
  SAFEWAY                         SOLE                  8585
  SAFEWAY                         OTHER                 450
  ST PAUL                         SOLE                  5712
  ST PAUL                         SOLE                                            4576
  ST PAUL                         OTHER                 600
  SANMINA                         SOLE                  58900
  SARA LEE                        SOLE                  336279
  SARA LEE                        SOLE                                            24000
  SARA LEE                        OTHER                 15500
  SARA LEE                        OTHER                                           1400
  SASSOON INTL                    DEFINED                                         12500
  SCANSOFT                        SOLE                  10120
  SCHERING PLOUGH                 SOLE                  251844
  SCHERING PLOUGH                 SOLE                                            190233
  SCHERING PLOUGH                 DEFINED               28011
  SCHERING PLOUGH                 DEFINED                                         2567
  SCHERING PLOUGH                 OTHER                 87671
  SCHERING PLOUGH                 OTHER                                           26244
  SCHLUMBERGER                    SOLE                  133540
  SCHLUMBERGER                    SOLE                                            23851
  SCHLUMBERGER                    DEFINED               500
  SCHLUMBERGER                    OTHER                 12976
  SCHLUMBERGER                    OTHER                                           1100
  SCHWAB CHARLES                  SOLE                  4650
  SCHWAB CHARLES                  OTHER                 1800
  SCIENTIFIC ATLANTA              SOLE                  6000
  SEAGRAMS                        SOLE                  2500
  SEAGRAMS                        OTHER                 7300
  SEAGRAMS                        SOLE                  35000
  SEARS                           SOLE                  12394
  SEARS                           SOLE                                            2500
  SEARS                           OTHER                 6489
  SEARS                           OTHER                                           900
  SELECTIVE INSURANCE             SOLE                                            16171
  SELECTIVE INSURANCE             OTHER                 5670
  SEMICONDUCTOR LASER INTL        SOLE                  10000
  SERVICE                         SOLE                  19000
  SHELL                           SOLE                  1000
  SHELL                           SOLE                                            2700
  SHELL                           DEFINED               2400
  SHELL                           DEFINED                                         1200
  SHELL                           OTHER                 248
  SHERWIN-WILLIAMS                SOLE                  3000
  SHERWIN-WILLIAMS                OTHER                 10600
  SIEBEL SYS                      SOLE                  3450
  SKYLANDS FINL                   SOLE                  17055
  SMITHKLINE BEECHAM              SOLE                  278000
  SMITHKLINE BEECHAM              SOLE                                            9600
  SMITHKLINE BEECHAM              DEFINED               100
  SMITHKLINE BEECHAM              DEFINED                                         2640
  SMITHKLINE BEECHAM              OTHER                 19775
  SMITHKLINE BEECHAM              OTHER                                           100
  SMITHKLINE BEECHAM              DEF/OTH               100
  SOLECTRON                       SOLE                  6600
  SOLECTRON                       SOLE                                            20000
  SOLECTRON                       DEFINED               1800
  SOLECTRON                       OTHER                              1600
  SOLECTRON                       OTHER                                           600
  SOUTHERN                        SOLE                  33848
  SOUTHERN                        SOLE                                            10666
  SOUTHERN                        DEFINED               1000
  SOUTHERN                        DEFINED                                         500
  SOUTHERN                        OTHER                 6566
  SOUTHERN                        OTHER                                           3750
  SOVEREIGN BANCORP               SOLE                  20895
  SOVEREIGN BANCORP               SOLE                                            4200
  SOVEREIGN BANCORP               DEFINED               1200
  SOVEREIGN BANCORP               DEFINED                                         3000
  SOVEREIGN BANCORP               OTHER                 3652
  SPRINT                          SOLE                  142622
  SPRINT                          SOLE                                            16460
  SPRINT                          DEFINED               6167
  SPRINT                          DEFINED                                         450
  SPRINT                          OTHER                 4500
  SPRINT                          SOLE                  3520
  SPRINT                          DEFINED               400
  SPRINT                          OTHER                 1400
  STAPLES                         SOLE                  526078
  STAPLES                         SOLE                                            18030
  STAPLES                         DEFINED               25625
  STAPLES                         DEFINED                                         6615
  STAPLES                         OTHER                 21380
  STARBUCKS                       SOLE                  5000
  STARBUCKS                       DEFINED                                         200
  STARBUCKS                       OTHER                              1400
  STATE STR                       SOLE                  1600
  STATE STR                       SOLE                                            5500
  STATEN IS BANCORP INC           SOLE                  51441
  STATEN IS BANCORP INC           OTHER                                           5503
  STRYKER                         SOLE                  6000
  SUIZA FOODS                     SOLE                  5000
  SUMMIT BANCORP                  SOLE                  4940857
  SUMMIT BANCORP                  SOLE                                            101488
  SUMMIT BANCORP                  DEFINED               178577
  SUMMIT BANCORP                  DEFINED                                         8653
  SUMMIT BANCORP                  OTHER                 429549
  SUMMIT BANCORP                  OTHER                              2227
  SUMMIT BANCORP                  OTHER                                           99195
  SUMMIT BANCORP                  DEF/OTH               14300
  SUN MICROSYSTEMS                SOLE                  87596
  SUN MICROSYSTEMS                SOLE                                            600
  SUN MICROSYSTEMS                DEFINED               330
  SUN MICROSYSTEMS                DEFINED                                         100
  SUN MICROSYSTEMS                OTHER                 11053
  SUN MICROSYSTEMS                OTHER                                           550
  SYMYX TECHNOLOGIES              SOLE                  6962
  SYMYX TECHNOLOGIES              OTHER                 30888
  SYQUEST TECHNOLOGY              SOLE                  10875
  SYSCO                           SOLE                  38213
  SYSCO                           SOLE                                            6000
  SYSCO                           DEFINED               3950
  SYSCO                           OTHER                 8268
  SYSCO                           OTHER                                           19800
  TECO ENERGY                     OTHER                 11100
  TRW                             SOLE                  2960
  TRW                             SOLE                                            1800
  TXU                             SOLE                  7888
  TXU                             SOLE                                            920
  TXU                             DEFINED                                         1000
  TXU                             OTHER                 11330
  TXU                             OTHER                                           9650
  TARGET                          SOLE                  137055
  TARGET                          SOLE                                            19020
  TARGET                          DEFINED               1920
  TARGET                          OTHER                 18900
  TARGET                          OTHER                                           4200
  TEKTRONIX                       SOLE                  3250
  TEKTRONIX                       OTHER                 1125
  TELLABS                         SOLE                  114045
  TELLABS                         SOLE                                            600
  TELLABS                         OTHER                 300
  A T & T SH                      OTHER                 1400
  TEXACO                          SOLE                  84530
  TEXACO                          SOLE                                            19357
  TEXACO                          DEFINED               3484
  TEXACO                          DEFINED                                         1000
  TEXACO                          OTHER                 13144
  TEXACO                          OTHER                                           3700
  TEXAS INSTRUMENTS               SOLE                  400469
  TEXAS INSTRUMENTS               SOLE                                            70570
  TEXAS INSTRUMENTS               DEFINED               7460
  TEXAS INSTRUMENTS               DEFINED                                         2000
  TEXAS INSTRUMENTS               OTHER                 14200
  TEXAS INSTRUMENTS               OTHER                                           6400
  TEXTRON                         SOLE                  86224
  TEXTRON                         SOLE                                            13800
  TEXTRON                         DEFINED               200
  TEXTRON                         DEFINED                                         1300
  TEXTRON                         OTHER                 9020
  TEXTRON                         OTHER                                           200
  THOMAS & BETTS                  SOLE                  63370
  THOMAS & BETTS                  OTHER                 113708
  3 COM                           SOLE                  156425
  3 COM                           SOLE                                            1400
  3 COM                           DEFINED               1000
  3 COM                           OTHER                 6700
  3 COM                           OTHER                                           175
  TIFFANY                         SOLE                  3000
  TIFFANY                         SOLE                                            400
  TIME WARNER                     SOLE                  198740
  TIME WARNER                     SOLE                                            18320
  TIME WARNER                     DEFINED               600
  TIME WARNER                     OTHER                 13550
  TIME WARNER                     OTHER                                           700
  TRICON GLOBAL RESTAURANTS       SOLE                  7980
  TRICON GLOBAL RESTAURANTS       SOLE                                            602
  TRICON GLOBAL RESTAURANTS       DEFINED               80
  TRICON GLOBAL RESTAURANTS       OTHER                 4197
  TRICON GLOBAL RESTAURANTS       OTHER                                           734
  TRIBUNE                         SOLE                  110
  TRIBUNE                         SOLE                                            3913
  TRIBUNE                         DEFINED               9600
  21ST CENTURY TECHNOLOGIES       SOLE                  200000
  TYCO INTL                       SOLE                  572415
  TYCO INTL                       SOLE                                            83268
  TYCO INTL                       DEFINED               30418
  TYCO INTL                       DEFINED                                         4050
  TYCO INTL                       OTHER                 40503
  TYCO INTL                       OTHER                                           10153
  UNCOMMON VALUES UNIT TR 1985    SOLE                  48752
  UNILEVER N V NEW YORK SHS       SOLE                  128691
  UNILEVER N V NEW YORK SHS       SOLE                                            3575
  UNILEVER N V NEW YORK SHS       OTHER                 8567
  UNILEVER N V NEW YORK SHS       OTHER                                           200
  UNION PACIFIC                   SOLE                  186544
  UNION PACIFIC                   SOLE                                            2100
  UNION PACIFIC                   DEFINED               1200
  UNION PACIFIC                   OTHER                 15320
  UNION PACIFIC                   OTHER                                           600
  UNION PAC RES GROUP             SOLE                  70939
  UNION PAC RES GROUP             SOLE                                            169
  UNION PAC RES GROUP             OTHER                 1185
  UNITED DOMINION REALTY TRUST    SOLE                  600
  UNITED DOMINION REALTY TRUST    OTHER                 19400
  UNITED NATL BANCORP N J         DEFINED               10000
  UNITED PARCEL SVC               SOLE                  5755
  UNITED PARCEL SVC               SOLE                                            600
  UNITED PARCEL SVC               DEFINED                                         100
  UNITED PARCEL SVC               OTHER                 600
  UNITED RETAIL GROUP             SOLE                  28000
  U S WEST NEW                    SOLE                  24686
  U S WEST NEW                    SOLE                                            12969
  U S WEST NEW                    DEFINED               2282
  U S WEST NEW                    OTHER                 20262
  U S WEST NEW                    OTHER                              600
  U S WEST NEW                    OTHER                                           3505
  UNITED TECHNOLOGIES             SOLE                  322601
  UNITED TECHNOLOGIES             SOLE                                            27000
  UNITED TECHNOLOGIES             DEFINED               300
  UNITED TECHNOLOGIES             DEFINED                                         200
  UNITED TECHNOLOGIES             OTHER                 25290
  UNITED TECHNOLOGIES             OTHER                                           400
  UNITED TECHNOLOGIES             DEF/OTH               300
  UNITED WTR RESOURCES            SOLE                  17272
  UNITED WTR RESOURCES            DEFINED               1000
  UNITED WTR RESOURCES            OTHER                 1687
  UNIVISION COMMUNICATIONS INC    SOLE                  2000
  UNIVISION COMMUNICATIONS INC    OTHER                 500
  VALLEY NATL BANCORP             SOLE                  17011
  VALLEY NATL BANCORP             DEFINED               243
  VALLEY NATL BANCORP             OTHER                 9151
  VANGUARD FIXED SECS FD          SOLE                  257122
  VANGUARD FIXED SECS FD          SOLE                                            60532
  VANGUARD FIXED SECS FD          DEFINED               19305
  VANGUARD FIXED SECS FD          DEFINED                                         6344
  VANGUARD FIXED SECS FD          OTHER                 10677
  VARIAN                          SOLE                  7550
  VARIAN                          SOLE                                            2500
  VARIAN SEMICONDUCTOR            SOLE                  2500
  VARIAN SEMICONDUCTOR            SOLE                                            3200
  VARIAN SEMICONDUCTOR            OTHER                 500
  VARIAN MEDICAL SYSTEMS          SOLE                  4000
  VARIAN MEDICAL SYSTEMS          SOLE                                            3200
  VARIAN MEDICAL SYSTEMS          DEFINED               500
  VARIAN MEDICAL SYSTEMS          OTHER                 500
  VERITAS SOFTWARE                SOLE                  48850
  VIACOM                          SOLE                  29700
  VIACOM                          SOLE                                            499
  VIACOM                          DEFINED               1009
  VIACOM                          OTHER                 868
  VIAD                            SOLE                  486
  VIAD                            DEFINED               1000
  VIAD                            OTHER                 400
  VIAD                            OTHER                                           6000
  VISTEON                         SOLE                  25970
  VISTEON                         SOLE                                            1176
  VISTEON                         DEFINED                                         130
  VISTEON                         OTHER                 421
  VISTEON                         OTHER                                           209
  VITESSE SEMICONDUCTOR           SOLE                  3000
  VITRIA TECHNOLOGY               SOLE                  4800
  VODAFONE AIRTOUCH               SOLE                  99351
  VODAFONE AIRTOUCH               SOLE                                            21344
  VODAFONE AIRTOUCH               DEFINED               3215
  VODAFONE AIRTOUCH               OTHER                 17885
  VODAFONE AIRTOUCH               OTHER                                           4500
  WACHOVIA                        SOLE                  3170
  WACHOVIA                        OTHER                 3930
  WAL MART                        SOLE                  116482
  WAL MART                        SOLE                                            93750
  WAL MART                        DEFINED               550
  WAL MART                        OTHER                 55740
  WAL MART                        OTHER                              1000
  WAL MART                        OTHER                                           44150
  WALGREEN                        SOLE                  13500
  WALGREEN                        SOLE                                            2432
  WALGREEN                        DEFINED               800
  WEINGARTEN REALTY SBI           SOLE                                            4000
  WEINGARTEN REALTY SBI           OTHER                 750
  WEINGARTEN REALTY SBI           OTHER                                           1250
  WELLS FARGO NEW                 SOLE                  206485
  WELLS FARGO NEW                 SOLE                                            20900
  WELLS FARGO NEW                 DEFINED               400
  WELLS FARGO NEW                 OTHER                 2600
  WELLS FARGO NEW                 OTHER                                           2100
  WESTBURY METALS GROUP           SOLE                  26660
  WESTBURY METALS GROUP           OTHER                 40000
  WILLIAMS COS                    SOLE                  117595
  WILLIAMS COS                    OTHER                 1400
  WILMINGTON TRUST                SOLE                  8400
  WILMINGTON TRUST                DEFINED               4800
  WISCONSIN ENERGY                SOLE                  2676
  WISCONSIN ENERGY                SOLE                                            3300
  WISCONSIN ENERGY                OTHER                 5550
  WISCONSIN ENERGY                OTHER                                           500
  WORLDCOM                        SOLE                  455553
  WORLDCOM                        SOLE                                            60570
  WORLDCOM                        DEFINED               20693
  WORLDCOM                        DEFINED                                         1200
  WORLDCOM                        OTHER                 71792
  WORLDCOM                        OTHER                              3000
  WORLDCOM                        OTHER                                           4061
  WORLDCOM                        DEF/OTH               150
  WRIGLEY WM JR                   SOLE                  1757
  WRIGLEY WM JR                   OTHER                 11200
  XILINX                          SOLE                  204800
  XILINX                          SOLE                                            17800
  XILINX                          OTHER                 200
  XEROX                           SOLE                  48606
  XEROX                           SOLE                                            19600
  XEROX                           OTHER                 16428
  XEROX                           OTHER                                           1500
  YAHOO                           SOLE                  61500
  YAHOO                           SOLE                                            11200
  YAHOO                           OTHER                 8040
  BLUE RIBBON LABEL               OTHER                 37
  ENDICOTT MACHINE & TOOL         SOLE                                            274699
  MURRAY HILL RACQUET CLUB        SOLE                  326
  EBAGS                           DEFINED               12500
  LERNOUT & HAUSPIE SPEECH PROGRAMSOLE                  3000
  LERNOUT & HAUSPIE SPEECH PROGRAMSOLE                                            10000
  LERNOUT & HAUSPIE SPEECH PROGRAMOTHER                 400
  GLOBAL CROSSING LTD             SOLE                  25835
  GLOBAL CROSSING LTD             SOLE                                            1500
  GLOBAL CROSSING LTD             DEFINED                                         500
  GLOBAL CROSSING LTD             OTHER                 4000
  GLOBAL CROSSING LTD             OTHER                                           1000
  TRANSOCEAN SEDCO FOREX          SOLE                  934
  TRANSOCEAN SEDCO FOREX          SOLE                                            918
  TRANSOCEAN SEDCO FOREX          DEFINED               96
  TRANSOCEAN SEDCO FOREX          OTHER                 1695
  TRANSOCEAN SEDCO FOREX          OTHER                                           174
  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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