OLD NATIONAL BANCORP /IN/
13F-HR, 2000-01-13
NATIONAL COMMERCIAL BANKS
Previous: NATIONAL AFFILIATED CORP, 8-K, 2000-01-13
Next: NATIONAL PROPERTY INVESTORS 6, SC 14D1/A, 2000-01-13


                            UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C.  20549

                                    FORM 13F

                               FORM 13F COVER PAGE

REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 12/31/99

CHECK HERE IF AMENDMENT ( ); AMENDMENT NUMBER:
THIS AMENDMENT (CHECK ONLY ONE.):  ( ) IS A RESTATEMENT.
                                   ( ) ADDS NEW HOLDINGS ENTRIES

INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT:

NAME:    Old National Trust Co
ADDRESS: 420 Main Street
         Evansville, IN 47708

THE INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT AND THE
PERSON BY WHOM IT IS SIGNED HEREBY REPRESENT THAT THE PERSON
SIGNING THE REPORT IS AUTHORIZED TO SUBMIT IT, THAT ALL
INFORMATION CONTAINED HEREIN IS TRUE, CORRECT AND COMPLETE, AND
THAT IT IS UNDERSTOOD THAT ALL REQUIRED ITEMS, STATEMENTS
SCHEDULES, LISTS, AND TABLES, ARE CONSIDERED INTEGRAL PARTS OF
THIS FORM.


PERSON SIGNING THIS REPORT ON BEHALF OF REPORTING MANAGER:

NAME:     Ron Vogel
TITLE:    Vice President
PHONE:    (812)464-1589
SIGNATURE,PLACE,AND DATE OF SIGNING:

    Ron Vogel                      Evansville, IN           1/8/00


REPORT TYPE (CHECK ONLY ONE.):

( X)        13F HOLDINGS REPORT

(  )        13F NOTICE

(  )        13F COMBINATION REPORT


LIST OF OTHER MANAGERS REPORTING FOR THIS MANAGER:
  NONE


I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE ACT OF 1934.
<PAGE>
                              FORM 13F SUMMARY PAGE


REPORT SUMMARY:

NUMBER OF OTHER INCLUDED MANAGERS:        0

FORM 13F INFORMATION TABLE ENTRY TOTAL:    932

FORM 13F INFORMATION TABLE VALUE TOTAL:             $824,732
<PAGE>
<TABLE>                          <C>                                                <C>
                                                                FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X1000)  PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

A G EDWARDS INC                COMMON STOCK     281760108       75     2343 SH       DEFINED                2343        0        0
ABBOTT LABS                    COMMON STOCK     002824100     1825    50265 SH       DEFINED               48565        0     1700
ABBOTT LABS                    COMMON STOCK     002824100      693    19097 SH       OTHER                 19097        0        0
ADAC LABS                      COMMON STOCK     005313200        1      100 SH       OTHER                   100        0        0
ADAMS EXPRESS CO               COMMON STOCK     006212104       63     1880 SH       DEFINED                1880        0        0
ADC TELECOMMUNICATIONS INC     COMMON STOCK     000886101     1958    26979 SH       DEFINED               26979        0        0
ADC TELECOMMUNICATIONS INC     COMMON STOCK     000886101      579     7985 SH       OTHER                  7785        0      200
ADECCO SA                      COMMON STOCK     006754105        5       50 SH       DEFINED                  50        0        0
ADOBE SYS INC                  COMMON STOCK     00724F101       27      400 SH       OTHER                     0        0      400
ADR GLAXO WELLCOME PLC SPONSOR COMMON STOCK     37733W105      198     3550 SH       DEFINED                3550        0        0
ADR GRUPO TRIBASA S A DE C V   COMMON STOCK     40049F105        0      500 SH       DEFINED                   0        0      500
ADVANCED MICRO DEVICES INC     COMMON STOCK     007903107       33     1125 SH       OTHER                  1125        0        0
ADVANCED POLYMER SYS INC       COMMON STOCK     00754G102        1      200 SH       DEFINED                 200        0        0
ADVANCED TISSUE SCIENCES INCCL COMMON STOCK     00755F103        5     2000 SH       OTHER                  2000        0        0
AEGON N V                      COMMON STOCK     007924103      164     1714 SH       DEFINED                1714        0        0
AEGON N V                      COMMON STOCK     007924103      369     3868 SH       OTHER                  3868        0        0
AES CORP                       COMMON STOCK     00130H105       26      350 SH       DEFINED                 350        0        0
AFLAC INC                      COMMON STOCK     001055102       28      600 SH       DEFINED                 600        0        0
AIR PRODS & CHEMS INC          COMMON STOCK     009158106      200     5950 SH       DEFINED                5950        0        0
AIR PRODS & CHEMS INC          COMMON STOCK     009158106       67     2000 SH       OTHER                  2000        0        0
AK STEEL HOLDING CORP          COMMON STOCK     001547108        8      400 SH       DEFINED                 400        0        0
ALBERTSONS INC                 COMMON STOCK     013104104      154     4782 SH       DEFINED                4782        0        0
ALBERTSONS INC                 COMMON STOCK     013104104       49     1512 SH       OTHER                  1512        0        0
ALCOA INC                      COMMON STOCK     013817101     1237    14909 SH       DEFINED               14909        0        0
ALCOA INC                      COMMON STOCK     013817101      827     9967 SH       OTHER                  9967        0        0
ALLEGHENY POWER SYSTEMS INC    COMMON STOCK     017361106       11      400 SH       DEFINED                 400        0        0
ALLEGHENY POWER SYSTEMS INC    COMMON STOCK     017361106       81     3000 SH       OTHER                  3000        0        0
ALLIANT CORP COM               COMMON STOCK     018802108        2       55 SH       DEFINED                  55        0        0
ALLMERICA FINL CORP            COMMON STOCK     019754100      227     4088 SH       OTHER                  4088        0        0
ALLSTATE CORP                  COMMON STOCK     020002101       66     2746 SH       DEFINED                2746        0        0
ALLSTATE CORP                  COMMON STOCK     020002101        4      184 SH       OTHER                   184        0        0
ALLTEL CORP                    COMMON STOCK     020039103       95     1154 SH       DEFINED                1154        0        0
ALTERA CORP                    COMMON STOCK     021441100      203     4092 SH       DEFINED                4092        0        0
AMAZON COM INC                 COMMON STOCK     023135106       13      170 SH       DEFINED                 170        0        0
AMEREN CORP                    COMMON STOCK     023608102      147     4484 SH       DEFINED                2115        0     2369
AMEREN CORP                    COMMON STOCK     023608102       74     2257 SH       OTHER                  1948        0      309
AMERICA ONLINE INC             COMMON STOCK     02364J104     2127    28031 SH       DEFINED               27951        0       80
AMERICA ONLINE INC             COMMON STOCK     02364J104      430     5669 SH       OTHER                  2069      400     3200
AMERICAN ELEC PWR INC          COMMON STOCK     025537101       94     2913 SH       DEFINED                2913        0        0
AMERICAN ELEC PWR INC          COMMON STOCK     025537101       32      990 SH       OTHER                   990        0        0
AMERICAN EXPRESS CO            COMMON STOCK     025816109      175     1050 SH       DEFINED                1050        0        0
AMERICAN GENERAL CORP TEXAS    COMMON STOCK     026351106     3098    40832 SH       DEFINED               40832        0        0
AMERICAN HOME PRODS CORP       COMMON STOCK     026609107     1773    45168 SH       DEFINED               44168        0     1000
AMERICAN HOME PRODS CORP       COMMON STOCK     026609107      752    19150 SH       OTHER                 19150        0        0
AMERICAN INTL GROUP INC        COMMON STOCK     026874107     6318    58430 SH       DEFINED               58220        0      210
AMERICAN INTL GROUP INC        COMMON STOCK     026874107     1777    16433 SH       OTHER                 16433        0        0
AMERICAN PWR CONVERSION        COMMON STOCK     029066107      158     6000 SH       DEFINED                6000        0        0
AMERICAN WATER WORKS INC       COMMON STOCK     030411102       85     4000 SH       DEFINED                4000        0        0
AMERICAN WOODMARK CORP         COMMON STOCK     030506109        2      100 SH       DEFINED                 100        0        0
AMES DEPT STORES INC           COMMON STOCK     030789507        3      100 SH       DEFINED                 100        0        0
AMGEN INC                      COMMON STOCK     031162100      280     4663 SH       DEFINED                4663        0        0
AMGEN INC                      COMMON STOCK     031162100       48      800 SH       OTHER                   800        0        0
AMSOUTH BANCORPORATION         COMMON STOCK     032165102       29     1511 SH       DEFINED                1511        0        0
AMTRAN INC                     COMMON STOCK     03234G106        3      135 SH       DEFINED                 135        0        0
ANADARKO PETE CORP             COMMON STOCK     032511107      170     4991 SH       DEFINED                4991        0        0
ANALOG DEVICES INC             COMMON STOCK     032654105      100     1071 SH       DEFINED                1071        0        0
ANHEUSER-BUSCH CO              COMMON STOCK     035229103      454     6409 SH       DEFINED                6409        0        0
AON CORP                       COMMON STOCK     037389103       13      337 SH       DEFINED                 337        0        0
AON CORP                       COMMON STOCK     037389103      270     6750 SH       OTHER                  6750        0        0
APACHE CORP                    COMMON STOCK     037411105      161     4361 SH       DEFINED                4361        0        0
APOLLO GROUP                   COMMON STOCK     037604105       22     1100 SH       DEFINED                1100        0        0
APPLE COMPUTER INC             COMMON STOCK     037833100      134     1300 SH       DEFINED                1300        0        0
APPLE COMPUTER INC             COMMON STOCK     037833100       10      100 SH       OTHER                     0      100        0
APPLIED MATLS INC              COMMON STOCK     038222105       79      625 SH       DEFINED                 625        0        0
APPLIED MATLS INC              COMMON STOCK     038222105        6       50 SH       OTHER                     0        0       50
APPLIED PWR INC                COMMON STOCK     038225108       22      600 SH       DEFINED                 600        0        0
ARCHER DANIELS MIDLAND CO      COMMON STOCK     039483102      249    20502 SH       DEFINED               20502        0        0
ARCHER DANIELS MIDLAND CO      COMMON STOCK     039483102       29     2431 SH       OTHER                  2431        0        0
AREA BANCSHARES CORP NEW       COMMON STOCK     039872106       18      720 SH       DEFINED                 720        0        0
ARVIN INDS INC                 COMMON STOCK     043339100      264     9300 SH       DEFINED                9300        0        0
ASHLAND INC                    COMMON STOCK     044204105       41     1232 SH       DEFINED                1232        0        0
ASSOCIATED BANC CORP           COMMON STOCK     045487105       34     1000 SH       DEFINED                1000        0        0
ASSOCIATES FIRST CAP CORP      COMMON STOCK     046008108      713    25974 SH       DEFINED               25974        0        0
ASSOCIATES FIRST CAP CORP      COMMON STOCK     046008108      183     6686 SH       OTHER                  6686        0        0
ASTRAZENECA PLC SPONSORED ADR  COMMON STOCK     046353108       17      403 SH       DEFINED                 403        0        0
AT & T CORP                    COMMON STOCK     001957109     3733    73457 SH       DEFINED               72807        0      650
AT & T CORP                    COMMON STOCK     001957109      671    13200 SH       OTHER                 12675        0      525
AT HOME CORP                   COMMON STOCK     045919107      148     3450 SH       DEFINED                3450        0        0
ATLANTIC RICHFIELD CO          COMMON STOCK     048825103     1929    22295 SH       DEFINED               16451        0     5844
ATLANTIC RICHFIELD CO          COMMON STOCK     048825103      304     3510 SH       OTHER                  3510        0        0
AUTOLIV INC                    COMMON STOCK     052800109       32     1096 SH       DEFINED                1096        0        0
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103      366     6786 SH       DEFINED                6386        0      400
AUTOZONE INC                   COMMON STOCK     053332102      723    22387 SH       DEFINED               22137        0      250
AVERY DENNISON CORP            COMMON STOCK     053611109      145     1993 SH       DEFINED                1993        0        0
AVISTA CORP                    COMMON STOCK     05379B107        6      400 SH       DEFINED                 400        0        0
AVON PRODS INC                 COMMON STOCK     054303102      519    15731 SH       DEFINED               15731        0        0
AVON PRODS INC                 COMMON STOCK     054303102      690    20900 SH       OTHER                 20900        0        0
AXA FINANCIAL INC COM          COMMON STOCK     002451102        3       80 SH       DEFINED                  80        0        0
AXA FINANCIAL INC COM          COMMON STOCK     002451102        0       12 SH       OTHER                     0        0       12
AZTAR CORP                     COMMON STOCK     054802103       54     5000 SH       DEFINED                5000        0        0
BALDOR ELEC CO                 COMMON STOCK     057741100       89     4933 SH       DEFINED                4933        0        0
BANK NEW YORK INC              COMMON STOCK     064057102       17      425 SH       DEFINED                 425        0        0
BANK OF AMERICA CORP           COMMON STOCK     060505104      459     9148 SH       DEFINED                9148        0        0
BANK OF AMERICA CORP           COMMON STOCK     060505104      104     2073 SH       OTHER                  2073        0        0
BANK ONE CORP COM              COMMON STOCK     06423A103     2257    70543 SH       DEFINED               70100        0      443
BANK ONE CORP COM              COMMON STOCK     06423A103      369    11521 SH       OTHER                 11521        0        0
BANK TOKYO-MITSUBISHI LTD      COMMON STOCK     065379109        7      500 SH       DEFINED                 500        0        0
BARNES & NOBLE INC             COMMON STOCK     067774109       10      500 SH       DEFINED                 500        0        0
BARRICK GOLD CORP              COMMON STOCK     067901108        9      500 SH       DEFINED                 500        0        0
BARRICK GOLD CORP              COMMON STOCK     067901108        2      100 SH       OTHER                   100        0        0
BAXTER INTERNATIONAL INC       COMMON STOCK     071813109      273     4340 SH       DEFINED                4340        0        0
BAXTER INTERNATIONAL INC       COMMON STOCK     071813109       31      500 SH       OTHER                   500        0        0
BAY VIEW CAP CORP DEL          COMMON STOCK     07262L101        2      113 SH       DEFINED                 113        0        0
BELL ATLANTIC                  COMMON STOCK     077853109     2469    40105 SH       DEFINED               40105        0        0
BELL ATLANTIC                  COMMON STOCK     077853109     1033    16775 SH       OTHER                 16775        0        0
BELL INDS INC                  COMMON STOCK     078107109        4      500 SH       DEFINED                 500        0        0
BELLSOUTH                      COMMON STOCK     079860102     5889   125803 SH       DEFINED              125643        0      160
BELLSOUTH                      COMMON STOCK     079860102     2465    52655 SH       OTHER                 52283        0      372
BELLWETHER EXPL CO NEW         COMMON STOCK     079895207        5     1000 SH       OTHER                  1000        0        0
BEMIS CO                       COMMON STOCK     081437105       17      500 SH       OTHER                   500        0        0
BERKSHIRE HATHAWAY INC DE CL B COMMON STOCK     084670207        2        1 SH       OTHER                     1        0        0
BEST BUY INC                   COMMON STOCK     086516101        3       68 SH       DEFINED                  68        0        0
BESTFOODS                      COMMON STOCK     08658U101     1864    35469 SH       DEFINED               35469        0        0
BESTFOODS                      COMMON STOCK     08658U101      425     8085 SH       OTHER                  8085        0        0
BIG BUCK BREWERY & STEAKHOUSE  COMMON STOCK     089072102        2     1000 SH       DEFINED                1000        0        0
BINDLEY WESTERN IND INC        COMMON STOCK     090324104        2      153 SH       DEFINED                 153        0        0
BIOGEN INC                     COMMON STOCK     090597105     1885    22311 SH       DEFINED               22311        0        0
BIOGEN INC                     COMMON STOCK     090597105      981    11608 SH       OTHER                 11608        0        0
BIOMET INC                     COMMON STOCK     090613100      100     2505 SH       DEFINED                2505        0        0
BIOMET INC                     COMMON STOCK     090613100      115     2883 SH       OTHER                  2883        0        0
BJS WHSL CLUB INC              COMMON STOCK     05548J106       26      714 SH       OTHER                   714        0        0
BLACK & DECKER CORP            COMMON STOCK     091797100      204     3902 SH       DEFINED                3902        0        0
BMC SOFTWARE INC               COMMON STOCK     055921100      177     2208 SH       DEFINED                2208        0        0
BOEING COMPANY                 COMMON STOCK     097023105      990    23895 SH       DEFINED               23720        0      175
BOEING COMPANY                 COMMON STOCK     097023105       44     1050 SH       OTHER                  1050        0        0
BOOKS-A-MILLION INC            COMMON STOCK     098570104        2      275 SH       DEFINED                 275        0        0
BOSTON CELTICS LP UNIT LP INT  COMMON STOCK     100577105       15     1496 SH       DEFINED                1496        0        0
BOSTON SCIENTIFIC CORP         COMMON STOCK     101137107       44     2000 SH       DEFINED                2000        0        0
BP AMOCO PLC ADR               COMMON STOCK     055622104    13084   220586 SH       DEFINED              219116     1270      200
BP AMOCO PLC ADR               COMMON STOCK     055622104     4750    80078 SH       OTHER                 44962    23474    11642
BRAUN CONSULTING INC           COMMON STOCK     105651103       36      500 SH       DEFINED                 500        0        0
BRINKER INTL INC               COMMON STOCK     109641100       82     3400 SH       OTHER                  3400        0        0
BRISTOL MYERS SQUIBB CORP      COMMON STOCK     110122108    16209   252520 SH       DEFINED              251500        0     1020
BRISTOL MYERS SQUIBB CORP      COMMON STOCK     110122108     6423   100063 SH       OTHER                100062        0        1
BROADCOM CORP                  COMMON STOCK     111320107       27      100 SH       DEFINED                 100        0        0
BROADVISION INC                COMMON STOCK     111412102      102      600 SH       DEFINED                 600        0        0
BROOKE GROUP LTD               COMMON STOCK     112525100        3      173 SH       DEFINED                 173        0        0
BROWN SHOE COMPANY INC         COMMON STOCK     115736100       52     3705 SH       DEFINED                3705        0        0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK     12189T104      103     4258 SH       DEFINED                4258        0        0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK     12189T104       13      540 SH       OTHER                   540        0        0
BURLINGTON RESOURCES INC       COMMON STOCK     122014103       43     1293 SH       DEFINED                1293        0        0
CA CULINARY ACADEMY            COMMON STOCK     129905105        1      200 SH       DEFINED                 200        0        0
CABLETRON SYS INC              COMMON STOCK     126920107      325    12499 SH       DEFINED               12499        0        0
CAMPBELL SOUP CO               COMMON STOCK     134429109      395    10200 SH       DEFINED               10200        0        0
CANADA SOUTHERN PETROLEUM      COMMON STOCK     135231108        6     1000 SH       DEFINED                1000        0        0
CANADIAN PACIFIC LTD NEW       COMMON STOCK     135923100       52     2400 SH       DEFINED                2400        0        0
CARDINAL HEALTH INC            COMMON STOCK     14149Y108      264     5517 SH       DEFINED                5517        0        0
CARDINAL HEALTH INC            COMMON STOCK     14149Y108      309     6450 SH       OTHER                  6450        0        0
CARNIVAL CORP COM              COMMON STOCK     143658102     2731    57110 SH       DEFINED               57110        0        0
CARNIVAL CORP COM              COMMON STOCK     143658102     1106    23135 SH       OTHER                 23135        0        0
CAROLINA PWR & LT CO           COMMON STOCK     144141108       35     1150 SH       DEFINED                1150        0        0
CAROLINA PWR & LT CO           COMMON STOCK     144141108        6      200 SH       OTHER                   200        0        0
CASTLE & COOKE INC NEW         COMMON STOCK     148433105        1       74 SH       DEFINED                  74        0        0
CATELLUS DEV CORP              COMMON STOCK     149111106        1       90 SH       DEFINED                  90        0        0
CATERPILLAR INC                COMMON STOCK     149123101      426     9051 SH       DEFINED                9051        0        0
CATERPILLAR INC                COMMON STOCK     149123101       19      400 SH       OTHER                   400        0        0
CBRL GROUP INC                 COMMON STOCK     12489V106       74     7640 SH       DEFINED                7540        0      100
CBRL GROUP INC                 COMMON STOCK     12489V106      203    20900 SH       OTHER                 20900        0        0
CBS CORP                       COMMON STOCK     12490K107      145     2271 SH       DEFINED                2271        0        0
CENTRAL & SOUTH WEST CORP      COMMON STOCK     152357109       37     1850 SH       DEFINED                1850        0        0
CENTRAL & SOUTH WEST CORP      COMMON STOCK     152357109       12      600 SH       OTHER                   600        0        0
CFS BANCORP INC                COMMON STOCK     12525D102        7      720 SH       DEFINED                 720        0        0
CHALONE WINE GROUP LTD         COMMON STOCK     157639105        1      100 SH       DEFINED                 100        0        0
CHARTER ONE FINL INC           COMMON STOCK     160903100        6      297 SH       DEFINED                 297        0        0
CHASE MANHATTAN CORP NEW       COMMON STOCK     16161A108     3472    44686 SH       DEFINED               44446        0      240
CHASE MANHATTAN CORP NEW       COMMON STOCK     16161A108      439     5646 SH       OTHER                  5646        0        0
CHELSEA GCA RLTY INC           COMMON STOCK     163262108        3      100 SH       OTHER                   100        0        0
CHEMED CORP                    COMMON STOCK     163596109       11      400 SH       DEFINED                 400        0        0
CHEVRON CORP                   COMMON STOCK     166751107     3105    35846 SH       DEFINED               35446        0      400
CHEVRON CORP                   COMMON STOCK     166751107      496     5728 SH       OTHER                  5728        0        0
CHUBB CORP                     COMMON STOCK     171232101       11      200 SH       DEFINED                 200        0        0
CIENA CORP                     COMMON STOCK     171779101       12      200 SH       DEFINED                 200        0        0
CIGNA CORP                     COMMON STOCK     125509109       48      600 SH       DEFINED                 600        0        0
CINCINNATI FINL CORP           COMMON STOCK     172062101       40     1290 SH       DEFINED                1290        0        0
CINERGY CORP                   COMMON STOCK     172474108      190     7957 SH       DEFINED                5076        0     2881
CINERGY CORP                   COMMON STOCK     172474108       53     2214 SH       OTHER                  2214        0        0
CIRCUIT CITY STORES INC        COMMON STOCK     172737108      179     3976 SH       DEFINED                3976        0        0
CISCO SYSTEMS INC              COMMON STOCK     17275R102    26797   250146 SH       DEFINED              249946        0      200
CISCO SYSTEMS INC              COMMON STOCK     17275R102     5265    49147 SH       OTHER                 45537        0     3610
CITIGROUP INC COM              COMMON STOCK     172967101     2726    48959 SH       DEFINED               47686        0     1273
CITIGROUP INC COM              COMMON STOCK     172967101      201     3609 SH       OTHER                  3609        0        0
CITIZENS UTILITIES CLASS B     COMMON STOCK     177342201       14      974 SH       DEFINED                 974        0        0
CLASSIC BANCSHARES INC         COMMON STOCK     18272M104        1      100 SH       DEFINED                 100        0        0
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK     184502102       85      950 SH       DEFINED                 950        0        0
CLOROX CO                      COMMON STOCK     189054109       20      400 SH       DEFINED                 400        0        0
CLOROX CO                      COMMON STOCK     189054109       40      798 SH       OTHER                   798        0        0
CMGI INC                       COMMON STOCK     125750109       28      100 SH       DEFINED                 100        0        0
CMS ENERGY CORP                COMMON STOCK     125896100       25      800 SH       DEFINED                 800        0        0
CNF TRANSN INC                 COMMON STOCK     12612W104      127     3684 SH       DEFINED                3684        0        0
COCA COLA CO                   COMMON STOCK     191216100     3482    59771 SH       DEFINED               52089        0     7682
COCA COLA CO                   COMMON STOCK     191216100      645    11070 SH       OTHER                  3482        0     7588
COCA COLA ENTERPRISES          COMMON STOCK     191219104       66     3290 SH       DEFINED                3075        0      215
COCA COLA ENTERPRISES          COMMON STOCK     191219104        6      300 SH       OTHER                   300        0        0
COLGATE PALMOLIVE CO           COMMON STOCK     194162103      908    13972 SH       DEFINED               13972        0        0
COLGATE PALMOLIVE CO           COMMON STOCK     194162103      234     3600 SH       OTHER                  2000        0     1600
COMCAST CORP                   COMMON STOCK     200300200     1040    20568 SH       DEFINED               20568        0        0
COMCAST CORP                   COMMON STOCK     200300200      588    11630 SH       OTHER                 11630        0        0
COMERICA INC                   COMMON STOCK     200340107       57     1215 SH       DEFINED                1215        0        0
COMERICA INC                   COMMON STOCK     200340107       76     1635 SH       OTHER                  1635        0        0
COMMSCOPE INC                  COMMON STOCK     203372107        3       66 SH       OTHER                     0        0       66
COMMUNITY BK SYS INC           COMMON STOCK     203607106       19      800 SH       DEFINED                 800        0        0
COMMUNITY FINANCIAL CORP       COMMON STOCK     20364V109        2      225 SH       DEFINED                 225        0        0
COMPAQ COMPUTER CORP           COMMON STOCK     204493100      614    22680 SH       DEFINED               22180        0      500
COMPAQ COMPUTER CORP           COMMON STOCK     204493100       55     2050 SH       OTHER                  2050        0        0
COMPUTER ASSOC                 COMMON STOCK     204912109        9      124 SH       DEFINED                 124        0        0
COMPUTER SCIENCES CORP         COMMON STOCK     205363104      453     4785 SH       DEFINED                4785        0        0
COMPUTER SCIENCES CORP         COMMON STOCK     205363104      506     5350 SH       OTHER                  5350        0        0
COMSAT CORP                    COMMON STOCK     20564D107        0       10 SH       DEFINED                  10        0        0
CONAGRA INC                    COMMON STOCK     205887102        5      200 SH       DEFINED                 200        0        0
CONECTIV INC                   COMMON STOCK     206829103       25     1473 SH       DEFINED                1473        0        0
CONECTIV INC                   COMMON STOCK     206829202        7      245 SH       DEFINED                 245        0        0
CONEXANT SYS INC               COMMON STOCK     207142100       88     1320 SH       DEFINED                1320        0        0
CONNECTICUT WTR SVC INC        COMMON STOCK     207797101       19      600 SH       DEFINED                 600        0        0
CONSECO INC                    COMMON STOCK     208464107       20     1146 SH       DEFINED                1146        0        0
CONSECO INC                    COMMON STOCK     208464107        9      500 SH       OTHER                   500        0        0
CONSOLIDATED EDISON INC        COMMON STOCK     209115104       66     1920 SH       DEFINED                1920        0        0
CONSOLIDATED EDISON INC        COMMON STOCK     209115104       37     1075 SH       OTHER                  1075        0        0
CONSOLIDATED PRODS INC         COMMON STOCK     209798107       25     2273 SH       OTHER                  2273        0        0
CONSOLIDATED STORES CORP       COMMON STOCK     210149100      111     6840 SH       DEFINED                6840        0        0
CONSOLIDATED STORES CORP       COMMON STOCK     210149100       94     5788 SH       OTHER                  5788        0        0
CONSTELLATION ENERGY GROUP     COMMON STOCK     210371100        9      300 SH       OTHER                   300        0        0
COOPER COS INC NEW             COMMON STOCK     216648402        3      100 SH       DEFINED                 100        0        0
CORN PRODS INTL INC            COMMON STOCK     219023108       16      500 SH       DEFINED                 500        0        0
CORN PRODS INTL INC            COMMON STOCK     219023108        3       92 SH       OTHER                    92        0        0
CORNING INC                    COMMON STOCK     219350105       87      672 SH       DEFINED                 672        0        0
CORNING INC                    COMMON STOCK     219350105      737     5718 SH       OTHER                  5718        0        0
COSTCO WHSL CORP NEW           COMMON STOCK     22160K105        3       35 SH       DEFINED                  35        0        0
COX COMMUNICATIONS INC NEW     COMMON STOCK     224044107       10      200 SH       DEFINED                 200        0        0
CPI AEROSTRUCTURES INC         COMMON STOCK     125919308        1      233 SH       DEFINED                 233        0        0
CREATIVE COMPUTERS INC         COMMON STOCK     22527E107        4      596 SH       DEFINED                  96        0      500
CRESCENT REAL ESTATE EQT       COMMON STOCK     225756105       18     1000 SH       DEFINED                1000        0        0
CROWN CASTLE INTL CORP         COMMON STOCK     228227104     1063    33088 SH       DEFINED               33088        0        0
CROWN CASTLE INTL CORP         COMMON STOCK     228227104      305     9500 SH       OTHER                  9500        0        0
CROWN CORK & SEAL INC          COMMON STOCK     228255105      172     7675 SH       DEFINED                7675        0        0
CSX CORP                       COMMON STOCK     126408103      101     3218 SH       DEFINED                3218        0        0
CSX CORP                       COMMON STOCK     126408103      163     5196 SH       OTHER                  5196        0        0
CVS CORP                       COMMON STOCK     126650100       40     1000 SH       DEFINED                1000        0        0
CYBER CARE INC                 COMMON STOCK     23243T105        1      100 SH       DEFINED                 100        0        0
D R HORTON INC                 COMMON STOCK     23331A109       47     3424 SH       DEFINED                3424        0        0
DAIMLERCHRYSLER AG             COMMON STOCK     D1668R123      164     2101 SH       DEFINED                2101        0        0
DAIMLERCHRYSLER AG             COMMON STOCK     D1668R123       58      747 SH       OTHER                   747        0        0
DANAHER CORP                   COMMON STOCK     235851102       88     1830 SH       DEFINED                1830        0        0
DARDEN RESTAURANTS INC         COMMON STOCK     237194105        3      140 SH       DEFINED                 140        0        0
DARDEN RESTAURANTS INC         COMMON STOCK     237194105        2      100 SH       OTHER                   100        0        0
DAVE & BUSTER'S INC            COMMON STOCK     23833N104        1      100 SH       DEFINED                 100        0        0
DAYTON-HUDSON CORP             COMMON STOCK     239753106      210     2855 SH       DEFINED                2855        0        0
DEERE & COMPANY                COMMON STOCK     244199105       48     1110 SH       DEFINED                1110        0        0
DELL COMPUTER CORP             COMMON STOCK     247025109     1618    31732 SH       DEFINED               31532        0      200
DELL COMPUTER CORP             COMMON STOCK     247025109      896    17565 SH       OTHER                 11965        0     5600
DELPHI AUTOMOTIVE SYS CORP     COMMON STOCK     247126105       21     1318 SH       DEFINED                1318        0        0
DELPHI AUTOMOTIVE SYS CORP     COMMON STOCK     247126105        4      277 SH       OTHER                   277        0        0
DELTA AIR LINES                COMMON STOCK     247361108       38      760 SH       DEFINED                 760        0        0
DELUXE CORP                    COMMON STOCK     248019101       14      500 SH       DEFINED                 500        0        0
DEVON ENERGY CORP NEW          COMMON STOCK     25179M103       25      750 SH       OTHER                   750        0        0
DEXTER CORP                    COMMON STOCK     252165105       40     1000 SH       DEFINED                1000        0        0
DIAL CORP NEW                  COMMON STOCK     25247D101       11      471 SH       DEFINED                 471        0        0
DILLARDS INC CL A              COMMON STOCK     254067101       20     1000 SH       DEFINED                1000        0        0
DISNEY                         COMMON STOCK     254687106     2899    99123 SH       DEFINED               98973        0      150
DISNEY                         COMMON STOCK     254687106      920    31437 SH       OTHER                 31137      300        0
DOLE FOOD COMPANY INC          COMMON STOCK     256605106        0        1 SH       DEFINED                   1        0        0
DOMINION RESOURCES INC         COMMON STOCK     257470104       59     1500 SH       DEFINED                1500        0        0
DOVER CORPORATION              COMMON STOCK     260003108      141     3112 SH       DEFINED                3112        0        0
DOW CHEM CO                    COMMON STOCK     260543103     1465    10965 SH       DEFINED               10565        0      400
DOW CHEM CO                    COMMON STOCK     260543103      434     3250 SH       OTHER                  2500      750        0
DPL INC                        COMMON STOCK     233293109       23     1351 SH       DEFINED                 676        0      675
DQE INC                        COMMON STOCK     23329J104       10      300 SH       DEFINED                 300        0        0
DTE ENERGY CO                  COMMON STOCK     233331107       22      682 SH       DEFINED                 682        0        0
DU PONT E I DE NEMOURS & CO    COMMON STOCK     263534109     4547    69028 SH       DEFINED               68248        0      780
DU PONT E I DE NEMOURS & CO    COMMON STOCK     263534109      274     4160 SH       OTHER                  4160        0        0
DUKE ENERGY CORP               COMMON STOCK     264399106      860    17150 SH       DEFINED               17150        0        0
DUKE ENERGY CORP               COMMON STOCK     264399106       97     1926 SH       OTHER                  1926        0        0
DUKE REALTY INVESTMENT INC     COMMON STOCK     264411505       78     4000 SH       DEFINED                4000        0        0
DYNAMIC HEALTHCARE TECHNOLOGIE COMMON STOCK     267927101        0       12 SH       OTHER                    12        0        0
E TRADE GROUP INC              COMMON STOCK     269246104       10      400 SH       DEFINED                 400        0        0
EARTHGRAINS CO                 COMMON STOCK     270319106        4      256 SH       DEFINED                 256        0        0
EASTMAN KODAK CO               COMMON STOCK     277461109      546     8241 SH       DEFINED                8201        0       40
EASTMAN KODAK CO               COMMON STOCK     277461109       27      400 SH       OTHER                   400        0        0
ECHELON INTL CORP              COMMON STOCK     278747100        0       16 SH       OTHER                    16        0        0
ECI TELECOM LTD                COMMON STOCK     268258100        3      100 SH       OTHER                   100        0        0
EDISON INTL                    COMMON STOCK     281020107       23      888 SH       DEFINED                 888        0        0
EDISON INTL                    COMMON STOCK     281020107       97     3700 SH       OTHER                  3700        0        0
EDUCATIONAL DEV CORP           COMMON STOCK     281479105        0      100 SH       DEFINED                 100        0        0
EL PASO ENERGY CORP DEL COM    COMMON STOCK     283905107       33      856 SH       DEFINED                 856        0        0
EL PASO ENERGY CORP DEL COM    COMMON STOCK     283905107        6      144 SH       OTHER                   144        0        0
ELAN PLC                       COMMON STOCK     284131208       30     1000 SH       DEFINED                1000        0        0
ELBIT MEDICAL IMAGING LTD      COMMON STOCK     M37605108        2      300 SH       DEFINED                 300        0        0
ELECTRONIC ARTS                COMMON STOCK     285512109       34      410 SH       DEFINED                 410        0        0
ELECTRONIC DATA SYS CORP NEW   COMMON STOCK     285661104      180     2686 SH       DEFINED                2686        0        0
ELSCINT LTD NEW                COMMON STOCK     M40168102        1      235 SH       DEFINED                 235        0        0
EMBRATEL PARTICIPACOES S A     COMMON STOCK     29081N100       11      400 SH       DEFINED                 400        0        0
EMC CORPORATION                COMMON STOCK     268648102      666     6100 SH       DEFINED                6100        0        0
EMC CORPORATION                COMMON STOCK     268648102      109     1000 SH       OTHER                   200        0      800
EMERSON ELEC CO                COMMON STOCK     291011104     2499    43554 SH       DEFINED               42954        0      600
EMERSON ELEC CO                COMMON STOCK     291011104      311     5425 SH       OTHER                  5425        0        0
ENGINEERING ANIMATION INC      COMMON STOCK     292872108        4      450 SH       OTHER                   450        0        0
ENRON                          COMMON STOCK     293561106     1653    37256 SH       DEFINED               35892     1364        0
ENRON                          COMMON STOCK     293561106      240     5400 SH       OTHER                  5400        0        0
ENTERGY CORP NEW               COMMON STOCK     29364G103       40     1540 SH       DEFINED                1540        0        0
ENTREMED INC                   COMMON STOCK     29382F103        3      100 SH       DEFINED                 100        0        0
EOTT ENERGY PARTNERS L P       COMMON STOCK     294103106       69     5330 SH       DEFINED                5330        0        0
EQUITY OFFICE PPTYS TR         COMMON STOCK     294741103      129     5226 SH       DEFINED                5226        0        0
EQUITY RESIDENTIAL PPTYS TR    COMMON STOCK     29476L107      339     7938 SH       DEFINED                7938        0        0
ERICSSON TEL ADR               COMMON STOCK     294821400       25      375 SH       DEFINED                   0        0      375
ESCALADE INC                   COMMON STOCK     296056104        2      150 SH       OTHER                     0        0      150
ESCO ELECTRONICS CORP TR       COMMON STOCK     269030201        0       18 SH       DEFINED                  18        0        0
EUROWEB INTL CORP              COMMON STOCK     298801101       12     1000 SH       OTHER                  1000        0        0
EXCELSIOR HENDERSON MOTORCYCLE COMMON STOCK     300906104        1     2000 SH       DEFINED                2000        0        0
EXODUS COMMUNICATIONS INC      COMMON STOCK     302088109       36      400 SH       DEFINED                 400        0        0
EXPRESS SCRIPTS INC            COMMON STOCK     302182100        3       45 SH       DEFINED                  45        0        0
EXXON MOBIL CORP               COMMON STOCK     30231G102    22233   275977 SH       DEFINED              272842     1650     1485
EXXON MOBIL CORP               COMMON STOCK     30231G102     8663   107527 SH       OTHER                 98248     1720     7559
E4L INC                        COMMON STOCK     268452109        1      425 SH       DEFINED                 425        0        0
FARMERS CAP BK CORP            COMMON STOCK     309562106       15      500 SH       DEFINED                 500        0        0
FASTENAL CO                    COMMON STOCK     311900104       22      500 SH       DEFINED                 500        0        0
FDX CORP                       COMMON STOCK     31304N107       11      280 SH       DEFINED                 280        0        0
FED NAT MTG ASSOC              COMMON STOCK     313586109     2836    45419 SH       DEFINED               44719        0      700
FED NAT MTG ASSOC              COMMON STOCK     313586109     1015    16250 SH       OTHER                 16250        0        0
FEDERAL SIGNAL CORP            COMMON STOCK     313855108       55     3450 SH       DEFINED                3450        0        0
FIDELITY FEDERAL BANCORP       COMMON STOCK     315921106        1      500 SH       DEFINED                   0        0      500
FIFTH THIRD BANCORP            COMMON STOCK     316773100     9725   132534 SH       DEFINED              132534        0        0
FIFTH THIRD BANCORP            COMMON STOCK     316773100     4127    56242 SH       OTHER                 54181        0     2061
FINOVA GROUP INC               COMMON STOCK     317928109     1021    28774 SH       DEFINED               28774        0        0
FINOVA GROUP INC               COMMON STOCK     317928109      281     7909 SH       OTHER                  7909        0        0
FIRST BANCORP IND INC NEW      COMMON STOCK     31867T103        1      100 SH       DEFINED                 100        0        0
FIRST BANCORP IND INC NEW      COMMON STOCK     31867T103       10     1000 SH       OTHER                  1000        0        0
FIRST BUSEY CORP               COMMON STOCK     319383105        7      300 SH       DEFINED                 300        0        0
FIRST BUSEY CORP               COMMON STOCK     319383105       18      800 SH       OTHER                   800        0        0
FIRST COMWLTH FD INC           COMMON STOCK     31983F102        8      925 SH       OTHER                   925        0        0
FIRST DATA CORP                COMMON STOCK     319963104       46      940 SH       DEFINED                 940        0        0
FIRST DATA CORP                COMMON STOCK     319963104       31      632 SH       OTHER                   632        0        0
FIRST FINANCIAL CORPORATION    COMMON STOCK     320218100     4404   106113 SH       DEFINED              106113        0        0
FIRST INDIANA CORP             COMMON STOCK     32054R108       17      777 SH       OTHER                   777        0        0
FIRST UN CORP                  COMMON STOCK     337358105      104     3154 SH       DEFINED                3154        0        0
FIRST UN CORP                  COMMON STOCK     337358105       40     1200 SH       OTHER                  1200        0        0
FIRSTAR CORP NEW WIS COM       COMMON STOCK     33763V109      390    18468 SH       DEFINED               18468        0        0
FIRSTAR CORP NEW WIS COM       COMMON STOCK     33763V109      132     6232 SH       OTHER                  6232        0        0
FIRSTCOM CORP                  COMMON STOCK     33763T104      827    22500 SH       DEFINED               22500        0        0
FIRSTENERGY CORP               COMMON STOCK     337932107        8      350 SH       DEFINED                 350        0        0
FISERV INC                     COMMON STOCK     337738108      160     4174 SH       DEFINED                4174        0        0
FISERV INC                     COMMON STOCK     337738108      263     6863 SH       OTHER                  6863        0        0
FISHER SCIENTIFIC INTL INC     COMMON STOCK     338032204        7      180 SH       DEFINED                 180        0        0
FLEETBOSTON FINL CORP COM      COMMON STOCK     339030108      146     4204 SH       DEFINED                4204        0        0
FLEMING COS INC                COMMON STOCK     339130106       10     1000 SH       OTHER                  1000        0        0
FLEXTRONICS INTL LTD           COMMON STOCK     Y2573F102        7      160 SH       DEFINED                 160        0        0
FLORIDA PROGRESS               COMMON STOCK     341109106      100     2367 SH       DEFINED                2367        0        0
FLORIDA PROGRESS               COMMON STOCK     341109106       49     1150 SH       OTHER                  1150        0        0
FLUOR CORP                     COMMON STOCK     343861100       17      375 SH       DEFINED                 375        0        0
FLUOR CORP                     COMMON STOCK     343861100        7      150 SH       OTHER                   150        0        0
FORD MTR CO                    COMMON STOCK     345370100      992    18606 SH       DEFINED               18606        0        0
FORD MTR CO                    COMMON STOCK     345370100       89     1673 SH       OTHER                  1673        0        0
FOREST LABS INC                COMMON STOCK     345838106       69     1124 SH       DEFINED                1124        0        0
FORTUNE BRANDS INC             COMMON STOCK     349631101      243     7357 SH       DEFINED                7357        0        0
FORTUNE BRANDS INC             COMMON STOCK     349631101       75     2275 SH       OTHER                  2275        0        0
FOX ENTMT GROUP INC            COMMON STOCK     35138T107        7      300 SH       DEFINED                 300        0        0
FPL GROUP INC                  COMMON STOCK     302571104      568    13273 SH       DEFINED               13273        0        0
FPL GROUP INC                  COMMON STOCK     302571104      227     5306 SH       OTHER                  5306        0        0
FRANCHISE FIN CORP AMER        COMMON STOCK     351807102       21      879 SH       DEFINED                 879        0        0
FRANKLIN RES INC               COMMON STOCK     354613101       50     1550 SH       DEFINED                1400        0      150
FREDDIE MAC                    COMMON STOCK     313400301      338     7185 SH       DEFINED                7185        0        0
FREMONT GENERAL CORP           COMMON STOCK     357288109       18     2474 SH       OTHER                  2474        0        0
GALLAHER GROUP PLC ADR         COMMON STOCK     363595109       72     4675 SH       DEFINED                4675        0        0
GALLAHER GROUP PLC ADR         COMMON STOCK     363595109       38     2475 SH       OTHER                  2475        0        0
GANNETT CO INC                 COMMON STOCK     364730101       33      400 SH       DEFINED                 400        0        0
GAP INC                        COMMON STOCK     364760108      171     3723 SH       DEFINED                3723        0        0
GAP INC                        COMMON STOCK     364760108       78     1687 SH       OTHER                  1687        0        0
GARTNER GROUP INC NEW CL B     COMMON STOCK     366651206       31     2268 SH       DEFINED                2268        0        0
GARTNER GROUP INC NEW CL B     COMMON STOCK     366651206       23     1645 SH       OTHER                  1645        0        0
GATEWAY INC COM                COMMON STOCK     367626108       29      400 SH       DEFINED                 400        0        0
GATEWAY INC COM                COMMON STOCK     367626108       29      400 SH       OTHER                   400        0        0
GENERAL ELEC CO                COMMON STOCK     369604103    35051   226502 SH       DEFINED              225382        0     1120
GENERAL ELEC CO                COMMON STOCK     369604103     8858    57239 SH       OTHER                 55239      200     1800
GENERAL INSTRUMENT CORP        COMMON STOCK     370120107       17      200 SH       OTHER                     0        0      200
GENERAL MILLS INC              COMMON STOCK     370334104      207     5786 SH       DEFINED                5786        0        0
GENERAL MILLS INC              COMMON STOCK     370334104       38     1064 SH       OTHER                  1064        0        0
GENERAL MTRS CORP              COMMON STOCK     370442105     1133    15594 SH       DEFINED               15458        0      136
GENERAL MTRS CORP              COMMON STOCK     370442105      277     3817 SH       OTHER                  3817        0        0
GENERAL MTRS CORP CL H NEW     COMMON STOCK     370442832        2       21 SH       OTHER                    21        0        0
GENERAL SEMICONDUCTOR INC      COMMON STOCK     370787103        1       50 SH       OTHER                     0        0       50
GENRAD INC                     COMMON STOCK     372447102       32     2000 SH       DEFINED                2000        0        0
GENTEX CORP                    COMMON STOCK     371901109        6      200 SH       OTHER                     0      200        0
GENUINE PARTS CO               COMMON STOCK     372460105        8      337 SH       DEFINED                 337        0        0
GEORGIA PAC CORP               COMMON STOCK     373298108       56     1100 SH       DEFINED                1100        0        0
GEORGIA PAC CORP COM TIMBER GR COMMON STOCK     373298702       14      550 SH       DEFINED                 550        0        0
GERMAN AMERN BANCORP           COMMON STOCK     373865104      218    12611 SH       DEFINED                8579        0     4032
GERMAN AMERN BANCORP           COMMON STOCK     373865104        9      499 SH       OTHER                   499        0        0
GILLETTE                       COMMON STOCK     375766102     2870    69688 SH       DEFINED               68488        0     1200
GILLETTE                       COMMON STOCK     375766102        8      200 SH       OTHER                   200        0        0
GLOBAL CROSSING LTD            COMMON STOCK     G3921A100      185     3700 SH       DEFINED                3700        0        0
GLOBAL CROSSING LTD            COMMON STOCK     G3921A100       10      205 SH       OTHER                     0      205        0
GLOBAL INDL TECHNOLOGIES       COMMON STOCK     379335102        1       40 SH       DEFINED                  40        0        0
GLOBAL MARINE INC              COMMON STOCK     379352404      116     7000 SH       DEFINED                7000        0        0
GOLDMAN SACHS GROUP INC        COMMON STOCK     38141G104      419     4448 SH       DEFINED                4448        0        0
GOODYEAR TIRE & RUBBER CO      COMMON STOCK     382550101       22      800 SH       DEFINED                 800        0        0
GPU INC                        COMMON STOCK     36225X100       16      523 SH       DEFINED                 523        0        0
GRACE W R & CO DEL NEW         COMMON STOCK     38388F108        3      200 SH       DEFINED                 200        0        0
GRAINGER WW INC                COMMON STOCK     384802104       44      924 SH       DEFINED                 924        0        0
GRAINGER WW INC                COMMON STOCK     384802104       29      600 SH       OTHER                   600        0        0
GREAT NORTHERN IRON ORE PROPER COMMON STOCK     391064102        5      100 SH       DEFINED                 100        0        0
GROUP 1 AUTOMOTIVE INC         COMMON STOCK     398905109        2      130 SH       DEFINED                 130        0        0
GTE CORP                       COMMON STOCK     362320103     2394    33928 SH       DEFINED               30514        0     3414
GTE CORP                       COMMON STOCK     362320103      714    10113 SH       OTHER                  9339        0      774
GUIDANT CORP                   COMMON STOCK     401698105     3472    73871 SH       DEFINED               73621        0      250
GUIDANT CORP                   COMMON STOCK     401698105      789    16788 SH       OTHER                 16788        0        0
HALLIBURTON CO                 COMMON STOCK     406216101     1501    37302 SH       DEFINED               37052        0      250
HALLIBURTON CO                 COMMON STOCK     406216101      158     3926 SH       OTHER                  3926        0        0
HANDLEMAN CO DEL               COMMON STOCK     410252100        3      245 SH       DEFINED                 245        0        0
HARLEY DAVIDSON INC            COMMON STOCK     412822108      405     6317 SH       DEFINED                6317        0        0
HARRAH'S ENTNT INC             COMMON STOCK     413619107       85     3218 SH       DEFINED                3218        0        0
HARRIS CORP                    COMMON STOCK     413875105        2       60 SH       DEFINED                  60        0        0
HARTFORD FINL SVCS GRP         COMMON STOCK     416515104        9      200 SH       OTHER                   200        0        0
HARTFORD LIFE INC              COMMON STOCK     416592103      168     3825 SH       DEFINED                3825        0        0
HASBRO INC                     COMMON STOCK     418056107        2      100 SH       DEFINED                 100        0        0
HCC INS HLDGS INC              COMMON STOCK     404132102        9      650 SH       DEFINED                   0        0      650
HEALTH MGMT ASSOC INC          COMMON STOCK     421933102     2409   180082 SH       DEFINED              179682        0      400
HEALTH MGMT ASSOC INC          COMMON STOCK     421933102     1050    78476 SH       OTHER                 78476        0        0
HEINZ HJ CO                    COMMON STOCK     423074103       12      300 SH       OTHER                   300        0        0
HELEN OF TROY LTD              COMMON STOCK     G4388N106        4      500 SH       DEFINED                 500        0        0
HERSHEY FOODS CORP             COMMON STOCK     427866108       33      700 SH       DEFINED                 700        0        0
HEWLETT PACKARD CO             COMMON STOCK     428236103     7787    68458 SH       DEFINED               67903        0      555
HEWLETT PACKARD CO             COMMON STOCK     428236103     2727    23978 SH       OTHER                 23978        0        0
HILLENBRAND INDUSTRIES INC     COMMON STOCK     431573104      104     3288 SH       DEFINED                3288        0        0
HILTON HOTELS CORP             COMMON STOCK     432848109       25     2600 SH       DEFINED                2600        0        0
HOME DEPOT                     COMMON STOCK     437076102    13780   200440 SH       DEFINED              199390        0     1050
HOME DEPOT                     COMMON STOCK     437076102     3690    53667 SH       OTHER                 53667        0        0
HONEYWELL INTL INC             COMMON STOCK     438516106      320     5548 SH       DEFINED                5548        0        0
HONEYWELL INTL INC             COMMON STOCK     438516106       73     1260 SH       OTHER                  1260        0        0
HOUSEHOLD INTL INC             COMMON STOCK     441815107       33      888 SH       OTHER                   888        0        0
HUBBELL INC CLASS B            COMMON STOCK     443510201       41     1500 SH       DEFINED                1500        0        0
HUSSMANN INTL INC              COMMON STOCK     448110106      119     7908 SH       DEFINED                7908        0        0
HUSSMANN INTL INC              COMMON STOCK     448110106       19     1247 SH       OTHER                   891        0      356
I-FLOW CORP                    COMMON STOCK     449520303        1      360 SH       DEFINED                 360        0        0
ICG COMMUNICATIONS INC         COMMON STOCK     449246107       15      800 SH       DEFINED                 800        0        0
ICN PHARMACEUTICALS INC        COMMON STOCK     448924100       11      420 SH       DEFINED                 420        0        0
ICOS CORP                      COMMON STOCK     449295104       29     1000 SH       OTHER                  1000        0        0
IKON OFFICE SOLUTIONS INC      COMMON STOCK     451713101        3      500 SH       DEFINED                 500        0        0
ILLINOIS TOOL WORKS            COMMON STOCK     452308109       76     1118 SH       DEFINED                1118        0        0
ILLINOVA CORP                  COMMON STOCK     452317100       31      900 SH       DEFINED                 900        0        0
ILOG S A                       COMMON STOCK     452360100        2      100 SH       DEFINED                 100        0        0
IMATRON INC                    COMMON STOCK     452906100        1      500 SH       DEFINED                 500        0        0
IMMUNOMEDICS INC               COMMON STOCK     452907108        8      625 SH       DEFINED                 625        0        0
IMPERIAL OIL LTD               COMMON STOCK     453038408       16      750 SH       DEFINED                 750        0        0
IMS HEALTH INC                 COMMON STOCK     449934108     1413    51968 SH       DEFINED               51968        0        0
IMS HEALTH INC                 COMMON STOCK     449934108      344    12636 SH       OTHER                 12636        0        0
INDIANA ENERGY INC             COMMON STOCK     454707100      125     7045 SH       DEFINED                6113        0      932
INTEGRATED SILICON SOLUTION IN COMMON STOCK     45812P107        3      200 SH       DEFINED                 200        0        0
INTEL CORP                     COMMON STOCK     458140100    17669   214662 SH       DEFINED              214362        0      300
INTEL CORP                     COMMON STOCK     458140100     2341    28438 SH       OTHER                 27338      300      800
INTERCONTINENTAL LIFE CORP     COMMON STOCK     458593100       14     1500 SH       DEFINED                   0        0     1500
INTERNATIONAL BUSINESS MACHS C COMMON STOCK     459200101     3519    32619 SH       DEFINED               32019        0      600
INTERNATIONAL BUSINESS MACHS C COMMON STOCK     459200101      678     6287 SH       OTHER                  6287        0        0
INTERNATIONAL PAPER CO         COMMON STOCK     460146103    28773   509814 SH       DEFINED              238275        0   271539
INTERPUBLIC GROUP COS INC      COMMON STOCK     460690100     8936   154906 SH       DEFINED              154306        0      600
INTERPUBLIC GROUP COS INC      COMMON STOCK     460690100     1725    29898 SH       OTHER                 29598      300        0
INTL SPEEDWAY CORP CL A        COMMON STOCK     460335201       31      612 SH       DEFINED                 612        0        0
IPALCO ENTERPRISES             COMMON STOCK     462613100     1912   112031 SH       DEFINED              109991        0     2040
IPALCO ENTERPRISES             COMMON STOCK     462613100      345    20221 SH       OTHER                 18967        0     1254
ITT INDS INC                   COMMON STOCK     450911102        3      100 SH       OTHER                   100        0        0
IVILLAGE INC                   COMMON STOCK     46588H105       13      650 SH       DEFINED                 650        0        0
I2 TECHNOLOGIES INC            COMMON STOCK     465754109       43      220 SH       DEFINED                 220        0        0
JACOBS ENGR GROUP INC          COMMON STOCK     469814107       34     1050 SH       DEFINED                1050        0        0
JB OXFORD HLDGS INC            COMMON STOCK     466107109        5      700 SH       DEFINED                 700        0        0
JDS UNIPHASE CORP COM          COMMON STOCK     46612J101       48      300 SH       DEFINED                 300        0        0
JOHN HANCOCK INVESTORS TRUST   COMMON STOCK     410142103        3      200 SH       DEFINED                 200        0        0
JOHNSON & JOHNSON              COMMON STOCK     478160104     9240    99089 SH       DEFINED               98989        0      100
JOHNSON & JOHNSON              COMMON STOCK     478160104     3706    39744 SH       OTHER                 39744        0        0
JOHNSON CTLS INC               COMMON STOCK     478366107      318     5596 SH       DEFINED                5461        0      135
JOHNSON CTLS INC               COMMON STOCK     478366107        5       85 SH       OTHER                    85        0        0
K MART CORP                    COMMON STOCK     482584109        6      588 SH       DEFINED                 588        0        0
KANSAS CITY PWR & LT CO        COMMON STOCK     485134100       51     2300 SH       DEFINED                2300        0        0
KELLOGG CO                     COMMON STOCK     487836108        3      100 SH       OTHER                   100        0        0
KEYCORP                        COMMON STOCK     493267108      356    16100 SH       DEFINED               16100        0        0
KIMBALL INT'L INC CL B         COMMON STOCK     494274103     1084    65668 SH       DEFINED               28612        0    37056
KIMBALL INT'L INC CL B         COMMON STOCK     494274103      431    26094 SH       OTHER                 19552     6542        0
KIMBERLY CLARK CORP            COMMON STOCK     494368103      506     7738 SH       DEFINED                7538        0      200
KIMBERLY CLARK CORP            COMMON STOCK     494368103       36      550 SH       OTHER                   550        0        0
KNIGHT RIDDER INC              COMMON STOCK     499040103      167     2799 SH       DEFINED                2799        0        0
KOHLS CORP                     COMMON STOCK     500255104     7684   106439 SH       DEFINED              106439        0        0
KOHLS CORP                     COMMON STOCK     500255104     2112    29256 SH       OTHER                 29256        0        0
KROGER CO                      COMMON STOCK     501044101       32     1700 SH       DEFINED                1700        0        0
LANDEC CORP                    COMMON STOCK     514766104        8     1000 SH       DEFINED                1000        0        0
LANIER WORLDWIDE INC           COMMON STOCK     51589L105        1      200 SH       DEFINED                 200        0        0
LG&E ENERGY                    COMMON STOCK     501917108      916    52521 SH       DEFINED               52521        0        0
LG&E ENERGY                    COMMON STOCK     501917108       10      600 SH       OTHER                   600        0        0
LILLY ELI & CO                 COMMON STOCK     532457108     7896   118739 SH       DEFINED              114987      800     2952
LILLY ELI & CO                 COMMON STOCK     532457108     1891    28434 SH       OTHER                 28359        0       75
LINCOLN BANCORP                COMMON STOCK     532879103       16     1500 SH       DEFINED                1500        0        0
LINCOLN NATIONAL CORP.         COMMON STOCK     534187109        6      152 SH       DEFINED                 152        0        0
LINEAR TECHNOLOGY CORP         COMMON STOCK     535678106     2683    37487 SH       DEFINED               37487        0        0
LINEAR TECHNOLOGY CORP         COMMON STOCK     535678106      672     9390 SH       OTHER                  9390        0        0
LOEWEN GROUP INC               COMMON STOCK     54042L100        1     2000 SH       OTHER                  2000        0        0
LOWE'S COMPANIES INC           COMMON STOCK     548661107       20      333 SH       DEFINED                 333        0        0
LUCENT TECHNOLOGIES INC        COMMON STOCK     549463107     8997   119956 SH       DEFINED              119492        0      464
LUCENT TECHNOLOGIES INC        COMMON STOCK     549463107     1556    20748 SH       OTHER                 18901        0     1847
MALLINCKRODT INC               COMMON STOCK     561232109       26      810 SH       DEFINED                 810        0        0
MANULIFE FINL CORP             COMMON STOCK     56501R106       40     3132 SH       DEFINED                3132        0        0
MARKETSPAN CORP                COMMON STOCK     49337W100        3      150 SH       DEFINED                 150        0        0
MARRIOTT INTL INC NEW          COMMON STOCK     571903202       13      400 SH       DEFINED                 400        0        0
MARRIOTT INTL INC NEW          COMMON STOCK     571903202       16      500 SH       OTHER                   500        0        0
MARSH & MCLENNAN CO INC        COMMON STOCK     571748102        3       36 SH       DEFINED                  36        0        0
MARSH & MCLENNAN CO INC        COMMON STOCK     571748102      100     1050 SH       OTHER                  1050        0        0
MARTHA STEWART LIVING OMNIMEDI COMMON STOCK     573083102        2      100 SH       DEFINED                 100        0        0
MASCO CORP                     COMMON STOCK     574599106        8      315 SH       DEFINED                 315        0        0
MATTEL                         COMMON STOCK     577081102       96     7308 SH       DEFINED                7308        0        0
MAXTOR CORP                    COMMON STOCK     577729205        7     1000 SH       DEFINED                1000        0        0
MAY DEPT STORES CO             COMMON STOCK     577778103       77     2373 SH       DEFINED                2373        0        0
MAYTAG CORP                    COMMON STOCK     578592107       21      440 SH       DEFINED                 440        0        0
MBIA INC                       COMMON STOCK     55262C100     1497    28345 SH       DEFINED               28345        0        0
MBIA INC                       COMMON STOCK     55262C100      275     5211 SH       OTHER                  5211        0        0
MBNA CORP                      COMMON STOCK     55262L100      350    12829 SH       DEFINED               12829        0        0
MCDONALDS CORP                 COMMON STOCK     580135101     1493    37043 SH       DEFINED               36843        0      200
MCDONALDS CORP                 COMMON STOCK     580135101      109     2700 SH       OTHER                  2700        0        0
MCGRAW HILL COMPANIES INC      COMMON STOCK     580645109       43      700 SH       DEFINED                 700        0        0
MCGRAW HILL COMPANIES INC      COMMON STOCK     580645109       25      400 SH       OTHER                   400        0        0
MCI WORLDCOM INC               COMMON STOCK     55268B106     4380    82543 SH       DEFINED               82243        0      300
MCI WORLDCOM INC               COMMON STOCK     55268B106      689    12983 SH       OTHER                 12233      150      600
MCKESSON HBOC INC COM          COMMON STOCK     58155Q103       12      555 SH       DEFINED                 555        0        0
MCKESSON HBOC INC COM          COMMON STOCK     58155Q103       18      800 SH       OTHER                   800        0        0
MDU RESOURCES                  COMMON STOCK     552690109       47     2340 SH       DEFINED                2340        0        0
MEAD CORP                      COMMON STOCK     582834107       56     1284 SH       DEFINED                1284        0        0
MEDIAONE GROUP INC COM         COMMON STOCK     58440J104      382     4976 SH       DEFINED                4976        0        0
MEDIAONE GROUP INC COM         COMMON STOCK     58440J104       47      612 SH       OTHER                   612        0        0
MEDTRONIC INC                  COMMON STOCK     585055106     4192   115036 SH       DEFINED              114536        0      500
MEDTRONIC INC                  COMMON STOCK     585055106      567    15570 SH       OTHER                 15570        0        0
MELLON FINL CORP COM           COMMON STOCK     58551A108       82     2400 SH       DEFINED                2400        0        0
MERCANTILE BANKSHARES CORP     COMMON STOCK     587405101        3      100 SH       DEFINED                 100        0        0
MERCK & CO INC                 COMMON STOCK     589331107     5883    87566 SH       DEFINED               87221        0      345
MERCK & CO INC                 COMMON STOCK     589331107      666     9911 SH       OTHER                  9411        0      500
MERRILL LYNCH & CO INC         COMMON STOCK     590188108      363     4360 SH       DEFINED                4210        0      150
MERRILL LYNCH & CO INC         COMMON STOCK     590188108       17      200 SH       OTHER                   200        0        0
METROBANCORP                   COMMON STOCK     591913108        8     1000 SH       DEFINED                1000        0        0
METROMEDIA INTL GROUP INC      COMMON STOCK     591695101        0        4 SH       DEFINED                   4        0        0
MGIC INVESTMENT CORP           COMMON STOCK     552848103     1496    24850 SH       DEFINED               24650        0      200
MGIC INVESTMENT CORP           COMMON STOCK     552848103      285     4742 SH       OTHER                  4742        0        0
MIAMI COMPUTER SUPPLY CORP     COMMON STOCK     593261100        5      136 SH       DEFINED                 136        0        0
MICROSOFT CORP                 COMMON STOCK     594918104    23005   197041 SH       DEFINED              196851        0      190
MICROSOFT CORP                 COMMON STOCK     594918104     6945    59490 SH       OTHER                 56690        0     2800
MIDAS INC                      COMMON STOCK     595626102       58     2636 SH       DEFINED                2636        0        0
MIDAS INC                      COMMON STOCK     595626102        6      297 SH       OTHER                   297        0        0
MINNESOTA MNG & MFG CO         COMMON STOCK     604059105      774     7910 SH       DEFINED                7910        0        0
MINNESOTA MNG & MFG CO         COMMON STOCK     604059105      352     3600 SH       OTHER                  3600        0        0
MOLEX INC                      COMMON STOCK     608554101      177     3120 SH       DEFINED                3120        0        0
MONACO COACH CORP              COMMON STOCK     60886R103        4      150 SH       DEFINED                 150        0        0
MONSANTO CO                    COMMON STOCK     611662107      721    20338 SH       DEFINED               20063        0      275
MONSANTO CO                    COMMON STOCK     611662107       34      970 SH       OTHER                   970        0        0
MONTGOMERY FINL CORP           COMMON STOCK     613826106        1      100 SH       DEFINED                 100        0        0
MONY GROUP INC                 COMMON STOCK     615337102       17      582 SH       DEFINED                 295        0      287
MORGAN J P & CO INC            COMMON STOCK     616880100      195     1538 SH       DEFINED                1538        0        0
MORGAN J P & CO INC            COMMON STOCK     616880100      315     2489 SH       OTHER                  2489        0        0
MORGAN STANLEY DEAN WITTER & C COMMON STOCK     617446448      298     2086 SH       DEFINED                2086        0        0
MORGAN STANLEY DEAN WITTER & C COMMON STOCK     617446448        7       46 SH       OTHER                    46        0        0
MORGAN STANLEY DEAN WITTER INC COMMON STOCK     61745P874       12      800 SH       DEFINED                 800        0        0
MORRISON KNUDSEN CORP WT EXP 3 COMMON STOCK     61844A117        0        2 SH       OTHER                     2        0        0
MOTOROLA INC                   COMMON STOCK     620076109     1675    11373 SH       DEFINED               11373        0        0
MOTOROLA INC                   COMMON STOCK     620076109      140      950 SH       OTHER                   750        0      200
MUELLER INDS INC               COMMON STOCK     624756102       31      846 SH       OTHER                   846        0        0
MUTUAL RISK MGMT LTD           COMMON STOCK     628351108       21     1225 SH       DEFINED                1225        0        0
MYLAN LABS INC                 COMMON STOCK     628530107      214     8500 SH       OTHER                  8500        0        0
NABISCO GROUP HLDG CORP COM    COMMON STOCK     62952P102       11     1024 SH       DEFINED                1024        0        0
NABISCO GROUP HLDG CORP COM    COMMON STOCK     62952P102       11     1000 SH       OTHER                  1000        0        0
NATIONAL CITY BANCSHARES INC   COMMON STOCK     635313109     1422    56603 SH       DEFINED               53891        0     2712
NATIONAL CITY BANCSHARES INC   COMMON STOCK     635313109      623    24787 SH       OTHER                 24787        0        0
NATIONAL CITY CORP             COMMON STOCK     635405103      312    13168 SH       DEFINED               12720        0      448
NATIONAL FUEL GAS CO           COMMON STOCK     636180101      535    11500 SH       OTHER                 11500        0        0
NATIONWIDE FINL SVCS INC       COMMON STOCK     638612101      130     4649 SH       DEFINED                4649        0        0
NAVARRE CORP                   COMMON STOCK     639208107        1      200 SH       DEFINED                 200        0        0
NAVISTAR INTL CORP             COMMON STOCK     63934E108        0       10 SH       DEFINED                  10        0        0
NCR CORP                       COMMON STOCK     62886E108        3       74 SH       OTHER                    62        0       12
NETWORKS ASSOC INC             COMMON STOCK     640938106      157     5900 SH       DEFINED                5900        0        0
NEW CENTY ENERGIES INC         COMMON STOCK     64352U103        6      190 SH       DEFINED                 190        0        0
NEW ENGLAND ELEC SYSTEM        COMMON STOCK     644001109       21      400 SH       OTHER                   400        0        0
NEW PLAN EXCEL RLTY TR INC     COMMON STOCK     648053106       16     1000 SH       DEFINED                1000        0        0
NEWELL RUBBERMAID CO           COMMON STOCK     651229106      319    11007 SH       DEFINED               11007        0        0
NEWELL RUBBERMAID CO           COMMON STOCK     651229106        9      300 SH       OTHER                   300        0        0
NEWMONT MNG CORP               COMMON STOCK     651639106        3      136 SH       DEFINED                 136        0        0
NEWPORT NEWS SHIPBUILDING INC  COMMON STOCK     652228107        1       40 SH       DEFINED                  40        0        0
NIAGARA MOHAWK HLDGS INC       COMMON STOCK     653520106        6      400 SH       DEFINED                 400        0        0
NIKE INC CLASS B               COMMON STOCK     654106103      121     2450 SH       DEFINED                2450        0        0
NISOURCE INC COM               COMMON STOCK     65473P105      278    15549 SH       DEFINED               15369        0      180
NISOURCE INC COM               COMMON STOCK     65473P105        1       80 SH       OTHER                    80        0        0
NOBLE AFFILIATES INC           COMMON STOCK     654894104      315    14711 SH       DEFINED               14711        0        0
NOBLE AFFILIATES INC           COMMON STOCK     654894104       49     2300 SH       OTHER                  2300        0        0
NOBLE DRILLING CORP            COMMON STOCK     655042109       13      400 SH       DEFINED                 400        0        0
NOKIA CORP                     COMMON STOCK     654902204      982     5140 SH       DEFINED                5140        0        0
NOKIA CORP                     COMMON STOCK     654902204       76      400 SH       OTHER                   400        0        0
NORFOLK SOUTHERN CORP          COMMON STOCK     655844108      185     9026 SH       DEFINED                8010        0     1016
NORTEL NETWORKS CORP           COMMON STOCK     656569100       10      100 SH       DEFINED                 100        0        0
NORTEL NETWORKS CORP           COMMON STOCK     656569100      109     1080 SH       OTHER                  1080        0        0
NORTHERN STATES POWER CO       COMMON STOCK     665772109       24     1240 SH       OTHER                  1240        0        0
NORTHERN TRUST CORPORATION     COMMON STOCK     665859104     2250    42450 SH       DEFINED               41790        0      660
NORTHWEST NAT GAS CO           COMMON STOCK     667655104        1       43 SH       OTHER                    43        0        0
NOVELL INC                     COMMON STOCK     670006105       31      765 SH       DEFINED                 765        0        0
NOVELLUS SYS INC               COMMON STOCK     670008101        6       50 SH       DEFINED                  50        0        0
NUCOR CORP                     COMMON STOCK     670346105        5      100 SH       DEFINED                 100        0        0
NUCOR CORP                     COMMON STOCK     670346105        5      100 SH       OTHER                   100        0        0
OCCIDENTAL PETE CORP           COMMON STOCK     674599105       22     1016 SH       OTHER                  1016        0        0
OGE ENERGY CORP                COMMON STOCK     670837103       64     3350 SH       DEFINED                3350        0        0
OGE ENERGY CORP                COMMON STOCK     670837103        8      400 SH       OTHER                   400        0        0
OLD NATIONAL BANCORP           COMMON STOCK     680033107    85662  2640845 SH       DEFINED               45861        0  2594984
OLD NATIONAL BANCORP           COMMON STOCK     680033107    79458  2449564 SH       OTHER                  7123        0  2442441
OLD REPUBLIC INTERNATIONAL COR COMMON STOCK     680223104       33     2437 SH       DEFINED                2437        0        0
ON2 COM INC                    COMMON STOCK     68338A107        6      200 SH       OTHER                   200        0        0
ORACLE CORPORATION             COMMON STOCK     68389X105     1000     8926 SH       DEFINED                8926        0        0
ORACLE CORPORATION             COMMON STOCK     68389X105       94      842 SH       OTHER                   392        0      450
ORTHOLOGIC CORP                COMMON STOCK     68750J107        4     1500 SH       OTHER                  1500        0        0
OSHKOSH TRUCK CORP             COMMON STOCK     688239201        4      138 SH       DEFINED                 138        0        0
OXIGENE INC                    COMMON STOCK     691828107        5      300 SH       DEFINED                 300        0        0
PACTIV CORP                    COMMON STOCK     695257105        4      400 SH       DEFINED                 400        0        0
PACTIV CORP                    COMMON STOCK     695257105        9      883 SH       OTHER                   782        0      101
PAINE WEBBER GROUP INC         COMMON STOCK     695629105       58     1500 SH       DEFINED                1500        0        0
PALL CORP                      COMMON STOCK     696429307       89     4108 SH       DEFINED                4108        0        0
PAPA JOHNS INTL INC            COMMON STOCK     698813102        6      240 SH       DEFINED                 240        0        0
PARAMETRIC TECH CORP           COMMON STOCK     699173100       17      630 SH       DEFINED                 630        0        0
PARK PL ENTMT CORP COM         COMMON STOCK     700690100       20     1600 SH       DEFINED                1600        0        0
PECO ENERGY CO                 COMMON STOCK     693304107        6      160 SH       DEFINED                 160        0        0
PENNEY J C INC                 COMMON STOCK     708160106       61     3075 SH       DEFINED                3075        0        0
PENNEY J C INC                 COMMON STOCK     708160106       12      600 SH       OTHER                   600        0        0
PEOPLES BANCORP/AUBURN IN      COMMON STOCK     709788103       21     1350 SH       DEFINED                1350        0        0
PEOPLES BK BRIDGEPORT CONN     COMMON STOCK     710198102       16      750 SH       DEFINED                 750        0        0
PEOPLESOFT INC                 COMMON STOCK     712713106        9      400 SH       DEFINED                 400        0        0
PEPSICO INC                    COMMON STOCK     713448108     4781   135621 SH       DEFINED              135496        0      125
PEPSICO INC                    COMMON STOCK     713448108     1077    30555 SH       OTHER                 30455      100        0
PERMANENT BANCORP INC          COMMON STOCK     714197100      283    16300 SH       DEFINED               14800        0     1500
PERMANENT BANCORP INC          COMMON STOCK     714197100       83     4800 SH       OTHER                  4800        0        0
PFIZER INC                     COMMON STOCK     717081103     7968   245638 SH       DEFINED              244963        0      675
PFIZER INC                     COMMON STOCK     717081103     1759    54234 SH       OTHER                 52434        0     1800
PG& E CORP                     COMMON STOCK     69331C108        8      400 SH       DEFINED                 400        0        0
PG& E CORP                     COMMON STOCK     69331C108        8      400 SH       OTHER                   200        0      200
PHELPS DODGE CORP              COMMON STOCK     717265102        1       16 SH       DEFINED                  16        0        0
PHILADELPHIA SUBN CORP         COMMON STOCK     718009608        6      286 SH       DEFINED                 286        0        0
PHILIP MORRIS INC              COMMON STOCK     718154107     2360   102607 SH       DEFINED              102007        0      600
PHILIP MORRIS INC              COMMON STOCK     718154107     1015    44110 SH       OTHER                 44110        0        0
PHILLIPS PETROLEUM CO          COMMON STOCK     718507106      174     3700 SH       DEFINED                3700        0        0
PILGRIMS PRIDE CORP            COMMON STOCK     721467108        1      180 SH       DEFINED                 180        0        0
PILGRIMS PRIDE CORP            COMMON STOCK     721467207        1       90 SH       DEFINED                  90        0        0
PITNEY-BOWES INC               COMMON STOCK     724479100      176     3650 SH       DEFINED                3650        0        0
PITNEY-BOWES INC               COMMON STOCK     724479100      541    11200 SH       OTHER                 11200        0        0
PLUM CREEK TIMBER CO INC       COMMON STOCK     729251108       25     1000 SH       DEFINED                1000        0        0
PNC FINANCIAL CORP             COMMON STOCK     693475105      122     2735 SH       DEFINED                2735        0        0
PNC FINANCIAL CORP             COMMON STOCK     693475105       17      375 SH       OTHER                   300        0       75
POTASH CORP SASK INC           COMMON STOCK     73755L107       73     1520 SH       DEFINED                1520        0        0
POTASH CORP SASK INC           COMMON STOCK     73755L107      152     3150 SH       OTHER                  3150        0        0
POTOMAC ELEC PWR CO            COMMON STOCK     737679100       14      600 SH       DEFINED                 600        0        0
PPG INDS INC                   COMMON STOCK     693506107      505     8071 SH       DEFINED                8071        0        0
PPG INDS INC                   COMMON STOCK     693506107      188     3000 SH       OTHER                  3000        0        0
PRAXAIR INC                    COMMON STOCK     74005P104      150     2981 SH       DEFINED                2981        0        0
PROCTER & GAMBLE CO            COMMON STOCK     742718109     2656    24241 SH       DEFINED               24121        0      120
PROCTER & GAMBLE CO            COMMON STOCK     742718109      272     2480 SH       OTHER                  2480        0        0
PRODIGY COMMUNICATIONS CORP    COMMON STOCK     74283P107       12      600 SH       DEFINED                 600        0        0
PROGRESSIVE CORP               COMMON STOCK     743315103      869    11884 SH       DEFINED               11814        0       70
PROGRESSIVE CORP               COMMON STOCK     743315103      406     5550 SH       OTHER                  5550        0        0
PROVIDIAN FINL CORP            COMMON STOCK     74406A102      335     3675 SH       DEFINED                3675        0        0
PROVIDIAN FINL CORP            COMMON STOCK     74406A102      492     5400 SH       OTHER                  5400        0        0
PROXICOM INC                   COMMON STOCK     744282104       12      100 SH       DEFINED                 100        0        0
PUBLIC SERVICE ENTERPRISE GP   COMMON STOCK     744573106       41     1175 SH       DEFINED                1175        0        0
PUGET SOUND ENERGY INC         COMMON STOCK     745332106        2      100 SH       DEFINED                 100        0        0
PUGET SOUND ENERGY INC         COMMON STOCK     745332106        2      129 SH       OTHER                   129        0        0
QLOGIC CORP                    COMMON STOCK     747277101       16      100 SH       DEFINED                 100        0        0
QUAKER OATS CO                 COMMON STOCK     747402105      637     9713 SH       DEFINED                9713        0        0
QUALCOMM INC                   COMMON STOCK     747525103      195     1108 SH       DEFINED                1108        0        0
QUALCOMM INC                   COMMON STOCK     747525103      106      600 SH       OTHER                     0        0      600
QWEST COMMUNICATIONS INTL INC  COMMON STOCK     749121109     1589    36964 SH       DEFINED               36714        0      250
QWEST COMMUNICATIONS INTL INC  COMMON STOCK     749121109      241     5616 SH       OTHER                  5616        0        0
R & B FALCON CORP              COMMON STOCK     74912E101       16     1180 SH       OTHER                  1180        0        0
R G S ENERGY GROUP INC COM     COMMON STOCK     74956K104        4      204 SH       OTHER                   204        0        0
RADIAN GROUP INC               COMMON STOCK     750236101       19      400 SH       DEFINED                 400        0        0
RALSTON PURINA CO              COMMON STOCK     751277302        0        5 SH       OTHER                     0        0        5
RAYONIER INC                   COMMON STOCK     754907103        1       24 SH       OTHER                    24        0        0
RAYTHEON CO CL A               COMMON STOCK     755111309        8      314 SH       DEFINED                 314        0        0
RAYTHEON CO CL B               COMMON STOCK     755111408      208     7830 SH       DEFINED                7830        0        0
RAYTHEON CO CL B               COMMON STOCK     755111408       23      850 SH       OTHER                   850        0        0
REALNETWORKS INC               COMMON STOCK     75605L104       12      100 SH       DEFINED                 100        0        0
RELIABILITY INC                COMMON STOCK     759903107        1      300 SH       DEFINED                   0        0      300
RELIANCE BANCORP INC           COMMON STOCK     759451107       35     1000 SH       DEFINED                1000        0        0
RELIANT ENERGY INC             COMMON STOCK     75952J108       65     2827 SH       DEFINED                2827        0        0
RELIANT ENERGY INC             COMMON STOCK     75952J108      133     5824 SH       OTHER                  5824        0        0
RES-CARE INC                   COMMON STOCK     760943100        3      225 SH       DEFINED                 225        0        0
REYNOLDS & REYNOLDS CO CL A    COMMON STOCK     761695105      173     7707 SH       DEFINED                7707        0        0
REYNOLDS & REYNOLDS CO CL A    COMMON STOCK     761695105       51     2250 SH       OTHER                  2250        0        0
REYNOLDS R J TOB HLDGS INC     COMMON STOCK     76182K105        6      341 SH       DEFINED                 341        0        0
REYNOLDS R J TOB HLDGS INC     COMMON STOCK     76182K105        6      333 SH       OTHER                   333        0        0
RF MICRO DEVICES INC           COMMON STOCK     749941100        7      100 SH       DEFINED                 100        0        0
RIVER VY BANCORP               COMMON STOCK     768475105        8      600 SH       DEFINED                 600        0        0
RLI CORP                       COMMON STOCK     749607107       17      500 SH       OTHER                   500        0        0
ROADWAY EXPRESS INC DEL        COMMON STOCK     769742107        0        8 SH       DEFINED                   8        0        0
ROBERT HALF INTL INC           COMMON STOCK     770323103      155     5436 SH       DEFINED                5436        0        0
ROCKWELL INTL CORP NEW         COMMON STOCK     773903109       69     1431 SH       DEFINED                1431        0        0
ROHM & HAAS CO                 COMMON STOCK     775371107      123     3031 SH       DEFINED                3031        0        0
ROHM & HAAS CO                 COMMON STOCK     775371107        4      110 SH       OTHER                   110        0        0
ROPER INDS INC                 COMMON STOCK     776696106      510    13485 SH       DEFINED               13485        0        0
ROPER INDS INC                 COMMON STOCK     776696106      151     3987 SH       OTHER                  3987        0        0
ROYAL DUTCH PETE CO            COMMON STOCK     780257804     1578    26060 SH       DEFINED               24460        0     1600
ROYAL DUTCH PETE CO            COMMON STOCK     780257804       73     1200 SH       OTHER                  1200        0        0
RYERSON TULL INC NEW           COMMON STOCK     78375P107        0       20 SH       DEFINED                  20        0        0
SAFELINK CORP                  COMMON STOCK     786578104        8     4167 SH       OTHER                  4167        0        0
SAFESCIENCE INC                COMMON STOCK     786452102        2      200 SH       DEFINED                 200        0        0
SALTON INC                     COMMON STOCK     795757103        5      150 SH       DEFINED                 150        0        0
SANMINA CORP                   COMMON STOCK     800907107     1352    13534 SH       DEFINED               13434        0      100
SANMINA CORP                   COMMON STOCK     800907107      335     3350 SH       OTHER                  3350        0        0
SARA LEE CORP                  COMMON STOCK     803111103      968    43890 SH       DEFINED               43490        0      400
SARA LEE CORP                  COMMON STOCK     803111103       62     2800 SH       OTHER                  2600      200        0
SBC COMMUNICATIONS INC         COMMON STOCK     78387G103     8976   184130 SH       DEFINED              184130        0        0
SBC COMMUNICATIONS INC         COMMON STOCK     78387G103     3880    79589 SH       OTHER                 78632        0      957
SCANA CORP                     COMMON STOCK     805898103        7      272 SH       DEFINED                 272        0        0
SCHERING PLOUGH CORP           COMMON STOCK     806605101     2209    52139 SH       DEFINED               52139        0        0
SCHERING PLOUGH CORP           COMMON STOCK     806605101      408     9629 SH       OTHER                  9629        0        0
SCHLUMBERGER LTD               COMMON STOCK     806857108      544     9684 SH       DEFINED                9624        0       60
SCHLUMBERGER LTD               COMMON STOCK     806857108       59     1050 SH       OTHER                  1050        0        0
SCHULMAN A INC                 COMMON STOCK     808194104      155     9514 SH       DEFINED                9514        0        0
SCHWAB CHARLES CORP            COMMON STOCK     808513105      220     5740 SH       DEFINED                5740        0        0
SCI SYS INC                    COMMON STOCK     783890106      397     4835 SH       DEFINED                4835        0        0
SCI SYS INC                    COMMON STOCK     783890106        7       90 SH       OTHER                    90        0        0
SCOTTISH PWR PLC               COMMON STOCK     81013T705       64     2278 SH       DEFINED                2278        0        0
SCOTTISH PWR PLC               COMMON STOCK     81013T705        2       58 SH       OTHER                    58        0        0
SEAGATE TECHNOLOGY             COMMON STOCK     811804103       74     1580 SH       DEFINED                1580        0        0
SEARS ROEBUCK & CO             COMMON STOCK     812387108      133     4376 SH       DEFINED                4376        0        0
SEARS ROEBUCK & CO             COMMON STOCK     812387108        3      100 SH       OTHER                   100        0        0
SEMCO ENERGY INC               COMMON STOCK     78412D109        6      486 SH       DEFINED                 486        0        0
SEMPRA ENERGY COM              COMMON STOCK     816851109        3      150 SH       DEFINED                 150        0        0
SEMPRA ENERGY COM              COMMON STOCK     816851109       14      800 SH       OTHER                   800        0        0
SERVICE CORP INTL              COMMON STOCK     817565104        9     1310 SH       DEFINED                1310        0        0
SERVICE CORP INTL              COMMON STOCK     817565104        6      800 SH       OTHER                   800        0        0
SERVICEMASTER CO               COMMON STOCK     81760N109        6      500 SH       DEFINED                 500        0        0
SHAW INDUSTRIES INC            COMMON STOCK     820286102        2      135 SH       DEFINED                 135        0        0
SHERWIN-WILLIAMS CO            COMMON STOCK     824348106      301    14347 SH       DEFINED               14047        0      300
SIEBEL SYS INC                 COMMON STOCK     826170102     3088    36761 SH       DEFINED               36761        0        0
SIEBEL SYS INC                 COMMON STOCK     826170102     1415    16840 SH       OTHER                 16840        0        0
SIERRA PAC RES NEW             COMMON STOCK     826428104       43     2500 SH       DEFINED                2500        0        0
SIGCORP INC                    COMMON STOCK     826912107     6100   268117 SH       DEFINED              268117        0        0
SIGCORP INC                    COMMON STOCK     826912107     1521    66878 SH       OTHER                 66079        0      799
SIGMA ALDRICH CORP             COMMON STOCK     826552101      237     7892 SH       DEFINED                7892        0        0
SIGMA ALDRICH CORP             COMMON STOCK     826552101      236     7850 SH       OTHER                  7850        0        0
SILICON GRAPHICS INC           COMMON STOCK     827056102       76     7853 SH       DEFINED                7853        0        0
SILICONIX INC                  COMMON STOCK     827079203      229     1738 SH       DEFINED                1738        0        0
SIMON PPTY GROUP INC NEW       COMMON STOCK     828806109       25     1100 SH       DEFINED                1100        0        0
SIMON PPTY GROUP INC NEW       COMMON STOCK     828806109       23     1000 SH       OTHER                  1000        0        0
SK TELECOM CO LTD ADR          COMMON STOCK     78440P108        4      100 SH       DEFINED                 100        0        0
SLM HOLDING CORP               COMMON STOCK     78442A109       59     1400 SH       OTHER                  1400        0        0
SMITHKLINE BEECHAM PLC AMERICA COMMON STOCK     832378301      366     5704 SH       DEFINED                5704        0        0
SMITHKLINE BEECHAM PLC AMERICA COMMON STOCK     832378301      160     2488 SH       OTHER                  2488        0        0
SNAP-ON INC                    COMMON STOCK     833034101       85     3200 SH       OTHER                  3200        0        0
SODEXHO MARRIOTT SVCS INC      COMMON STOCK     833793102        1       50 SH       DEFINED                  50        0        0
SOLECTRON CORP                 COMMON STOCK     834182107     5625    59128 SH       DEFINED               59128        0        0
SOLECTRON CORP                 COMMON STOCK     834182107     1332    14000 SH       OTHER                 14000        0        0
SOLUTIA INC                    COMMON STOCK     834376105       26     1701 SH       DEFINED                1595        0      106
SOMERSET GROUP INC             COMMON STOCK     834706103       91     4803 SH       OTHER                  4803        0        0
SONIC AUTOMOTIVE INC           COMMON STOCK     83545G102        2      180 SH       DEFINED                 180        0        0
SONY CORP ADR                  COMMON STOCK     835699307       74      261 SH       DEFINED                 261        0        0
SOUTHERN CO                    COMMON STOCK     842587107      262    11136 SH       DEFINED               11136        0        0
SOUTHERN CO                    COMMON STOCK     842587107      132     5632 SH       OTHER                  5132        0      500
SOUTHTRUST CORP                COMMON STOCK     844730101      284     7498 SH       DEFINED                7498        0        0
SOUTHWEST AIRLINES             COMMON STOCK     844741108       28     1722 SH       DEFINED                1722        0        0
SOUTHWEST GAS CORP             COMMON STOCK     844895102        5      200 SH       DEFINED                 200        0        0
SPARTECH CORP NEW              COMMON STOCK     847220209        2       53 SH       OTHER                     0        0       53
SPEEDWAY MOTORSPORTS INC       COMMON STOCK     847788106        8      300 SH       DEFINED                 300        0        0
SPIEGEL INC                    COMMON STOCK     848457107        3      425 SH       DEFINED                 425        0        0
SPRINT CORP                    COMMON STOCK     852061100      174     2578 SH       DEFINED                2578        0        0
SPRINT CORP                    COMMON STOCK     852061100      182     2700 SH       OTHER                  2700        0        0
SPRINT CORP PCS COM SER 1      COMMON STOCK     852061506      158     1545 SH       DEFINED                1545        0        0
SPRINT CORP PCS COM SER 1      COMMON STOCK     852061506       69      675 SH       OTHER                   675        0        0
SPX CORP                       COMMON STOCK     784635104        5       58 SH       DEFINED                  58        0        0
SR HSG PPTYS TR                COMMON STOCK     81721M109        1       80 SH       DEFINED                  80        0        0
ST PAUL COS INC                COMMON STOCK     792860108       19      564 SH       DEFINED                 564        0        0
STAPLES INC RETAIL & DELIVERY  COMMON STOCK     855030102     2416   116450 SH       DEFINED              116450        0        0
STAPLES INC RETAIL & DELIVERY  COMMON STOCK     855030102      490    23626 SH       OTHER                 23626        0        0
STARBUCKS CORP                 COMMON STOCK     855244109       19      782 SH       DEFINED                 782        0        0
STARWOOD HOTELS & RESORTS WORL COMMON STOCK     85590A203        2       91 SH       OTHER                    91        0        0
STATE STR CORP                 COMMON STOCK     857477103     6337    86729 SH       DEFINED               86429        0      300
STATE STR CORP                 COMMON STOCK     857477103     1889    25858 SH       OTHER                 25858        0        0
SUMMIT BANCORP                 COMMON STOCK     866005101       15      500 SH       DEFINED                 500        0        0
SUN MICROSYSTEMS INC           COMMON STOCK     866810104     6275    81031 SH       DEFINED               80631        0      400
SUN MICROSYSTEMS INC           COMMON STOCK     866810104     2822    36440 SH       OTHER                 35640        0      800
SUNOCO INC                     COMMON STOCK     86764P109       20      834 SH       OTHER                   834        0        0
SUNTRUST BKS INC COM           COMMON STOCK     867914103        7      100 SH       DEFINED                 100        0        0
SUPERIOR INDS INTL INC         COMMON STOCK     868168105      144     5377 SH       DEFINED                5377        0        0
SYLVAN LEARNING SYS INC        COMMON STOCK     871399101      238    18301 SH       DEFINED               18301        0        0
SYNCOR INTL CORP               COMMON STOCK     87157J106        3      110 SH       DEFINED                 110        0        0
SYNOPSYS INC                   COMMON STOCK     871607107      159     2377 SH       DEFINED                2377        0        0
SYSCO CORP                     COMMON STOCK     871829107      982    24828 SH       DEFINED               24828        0        0
SYSCO CORP                     COMMON STOCK     871829107      432    10923 SH       OTHER                 10923        0        0
T ROWE PRICE ASSOC INC         COMMON STOCK     741477103      733    19850 SH       DEFINED               19850        0        0
TECO ENERGY INC                COMMON STOCK     872375100       30     1600 SH       OTHER                  1600        0        0
TELE NORTE LESTE PARTICIPACOES COMMON STOCK     879246106       10      400 SH       DEFINED                 400        0        0
TELESP CELULAR PARTICIPACOES S COMMON STOCK     87952L108        7      160 SH       DEFINED                 160        0        0
TELESP PARTICIPACOES S A       COMMON STOCK     87952K100       10      400 SH       DEFINED                 400        0        0
TELLABS INC                    COMMON STOCK     879664100     1802    28073 SH       DEFINED               28073        0        0
TELLABS INC                    COMMON STOCK     879664100      580     9035 SH       OTHER                  6635        0     2400
TENNECO AUTOMOTIVE INC         COMMON STOCK     880349105        1       80 SH       DEFINED                  80        0        0
TENNECO AUTOMOTIVE INC         COMMON STOCK     880349105        2      176 SH       OTHER                   156        0       20
TERADYNE INC                   COMMON STOCK     880770102      132     2000 SH       DEFINED                2000        0        0
TEXACO INC                     COMMON STOCK     881694103     1704    31372 SH       DEFINED               31272        0      100
TEXACO INC                     COMMON STOCK     881694103      978    18014 SH       OTHER                 18014        0        0
TEXAS INSTRS INC               COMMON STOCK     882508104      314     3250 SH       DEFINED                3250        0        0
TEXAS INSTRS INC               COMMON STOCK     882508104       53      550 SH       OTHER                   550        0        0
TEXAS UTILITIES CO             COMMON STOCK     882848104      102     2873 SH       DEFINED                2873        0        0
TEXAS UTILITIES CO             COMMON STOCK     882848104       36     1000 SH       OTHER                  1000        0        0
THEGLOBE COM INC               COMMON STOCK     88335R101        2      200 SH       DEFINED                 200        0        0
THERMO ELECTRON CORP           COMMON STOCK     883556102      152    10148 SH       DEFINED               10148        0        0
THOMAS & BETTS CORP            COMMON STOCK     884315102       56     1760 SH       DEFINED                1760        0        0
TIME WARNER                    COMMON STOCK     887315109      433     5987 SH       DEFINED                5987        0        0
TIME WARNER                    COMMON STOCK     887315109      204     2825 SH       OTHER                  2825        0        0
TIMKEN CO                      COMMON STOCK     887389104        8      400 SH       DEFINED                 400        0        0
TJX CO INC                     COMMON STOCK     872540109       58     2860 SH       OTHER                  2860        0        0
TOMMY HILFIGER CORP            COMMON STOCK     G8915Z102       48     2050 SH       DEFINED                2050        0        0
TOMMY HILFIGER CORP            COMMON STOCK     G8915Z102       19      800 SH       OTHER                   800        0        0
TOPPS COMPANY                  COMMON STOCK     890786106        7      700 SH       DEFINED                 700        0        0
TRANSOCEAN OFFSHORE INC        COMMON STOCK     G90076103      291     8630 SH       DEFINED                8430        0      200
TREEV INC COM NEW              COMMON STOCK     894692300        0       37 SH       DEFINED                  37        0        0
TRI-CONTINENTAL CORP           COMMON STOCK     895436103       17      614 SH       DEFINED                 614        0        0
TRI-CONTINENTAL CORP           COMMON STOCK     895436103      113     4070 SH       OTHER                  4070        0        0
TRIBUNE CO                     COMMON STOCK     896047107       33      600 SH       DEFINED                 600        0        0
TRICOM SA ADR                  COMMON STOCK     89612A100        4      200 SH       DEFINED                 200        0        0
TRICON GLOBAL RESTAURANTS INC  COMMON STOCK     895953107       25      640 SH       DEFINED                 640        0        0
TROPICAL SPORTSWEAR INTL CORP  COMMON STOCK     89708P102        2      140 SH       DEFINED                 140        0        0
TRUST CO NEW JERSEY            COMMON STOCK     898304100        5      240 SH       DEFINED                 240        0        0
TUPPERWARE CORP                COMMON STOCK     899896104        8      450 SH       DEFINED                 450        0        0
TUPPERWARE CORP                COMMON STOCK     899896104       10      600 SH       OTHER                   600        0        0
TYCO INTERNATIONAL LTD         COMMON STOCK     902124106      375     9612 SH       DEFINED                9612        0        0
TYCO INTERNATIONAL LTD         COMMON STOCK     902124106        7      175 SH       OTHER                     0        0      175
U S HOME CORP NEW              COMMON STOCK     911920106        3      121 SH       DEFINED                 121        0        0
U S WEST INC                   COMMON STOCK     91273H101      447     6214 SH       DEFINED                6114        0      100
U S WEST INC                   COMMON STOCK     91273H101      237     3292 SH       OTHER                  3292        0        0
U S X MARATHON-GROUP           COMMON STOCK     902905827       37     1500 SH       DEFINED                1000        0      500
U S X MARATHON-GROUP           COMMON STOCK     902905827       86     3500 SH       OTHER                  3500        0        0
UAL CORP                       COMMON STOCK     902549500       23      300 SH       DEFINED                 300        0        0
UAL CORP                       COMMON STOCK     902549500        4       50 SH       OTHER                     0        0       50
UBID INC                       COMMON STOCK     903469104        2       67 SH       DEFINED                  67        0        0
UNICOM CORP                    COMMON STOCK     904911104       17      510 SH       DEFINED                 510        0        0
UNICOM CORP                    COMMON STOCK     904911104       47     1400 SH       OTHER                  1400        0        0
UNILEVER N V NY SHS            COMMON STOCK     904784709      107     1963 SH       DEFINED                1963        0        0
UNION CARBIDE CORP             COMMON STOCK     905581104       10      154 SH       DEFINED                 154        0        0
UNION PACIFIC CORP             COMMON STOCK     907818108      174     3990 SH       DEFINED                3990        0        0
UNION PACIFIC CORP             COMMON STOCK     907818108      150     3430 SH       OTHER                  3430        0        0
UNION PACIFIC RESOURCE         COMMON STOCK     907834105       24     1904 SH       DEFINED                1904        0        0
UNION PLANTERS CORP            COMMON STOCK     908068109       94     2392 SH       DEFINED                2392        0        0
UNION PLANTERS CORP            COMMON STOCK     908068109      186     4704 SH       OTHER                  2016        0     2688
UNISOURCE ENERGY CORP          COMMON STOCK     909205106        0       15 SH       DEFINED                  15        0        0
UNISOURCE ENERGY CORP          COMMON STOCK     909205106        0       20 SH       OTHER                    20        0        0
UNISYS CORP                    COMMON STOCK     909214108       19      600 SH       OTHER                   600        0        0
UNITED PARCEL SERVICE CL B     COMMON STOCK     911312106       98     1415 SH       DEFINED                1215        0      200
UNITED PARCEL SERVICE CL B     COMMON STOCK     911312106        5       75 SH       OTHER                    75        0        0
UNITED TECHNOLOGIES CORP       COMMON STOCK     913017109     8626   132713 SH       DEFINED              131413      960      340
UNITED TECHNOLOGIES CORP       COMMON STOCK     913017109     2318    35664 SH       OTHER                 35664        0        0
UNOCAL CORP                    COMMON STOCK     915289102        7      218 SH       DEFINED                 218        0        0
US AIR GROUP INC               COMMON STOCK     911905107        3      100 SH       OTHER                   100        0        0
US BANCORP DEL INC             COMMON STOCK     902973106      125     5238 SH       DEFINED                5238        0        0
UST INC                        COMMON STOCK     902911106       45     1800 SH       DEFINED                1800        0        0
UTILICORP UNITED INC           COMMON STOCK     918005109       22     1125 SH       DEFINED                1125        0        0
VALENCE TECHNOLOGY INC         COMMON STOCK     918914102        5      250 SH       DEFINED                 250        0        0
VALLEY NATL BANCORP            COMMON STOCK     919794107       59     2100 SH       DEFINED                2100        0        0
VIACOM INC CLASS A             COMMON STOCK     925524100       42      700 SH       DEFINED                 700        0        0
VIACOM INC CLASS B             COMMON STOCK     925524308       66     1094 SH       DEFINED                1094        0        0
VIACOM INC CLASS B             COMMON STOCK     925524308      609    10080 SH       OTHER                 10080        0        0
VIAD CORP                      COMMON STOCK     92552R109       13      483 SH       DEFINED                 483        0        0
VLASIC FOODS INTL INC          COMMON STOCK     928559103        5      920 SH       DEFINED                 920        0        0
VODAFONE AIRTOUCH PLC          COMMON STOCK     92857T107      611    12346 SH       DEFINED               12346        0        0
VODAFONE AIRTOUCH PLC          COMMON STOCK     92857T107       39      785 SH       OTHER                   785        0        0
VULCAN MATLS CO                COMMON STOCK     929160109      383     9600 SH       DEFINED                9600        0        0
WACHOVIA CORPORATION           COMMON STOCK     929771103       28      419 SH       DEFINED                 419        0        0
WACHOVIA CORPORATION           COMMON STOCK     929771103       20      290 SH       OTHER                   290        0        0
WALGREEN CO                    COMMON STOCK     931422109      265     9050 SH       DEFINED                9050        0        0
WALGREEN CO                    COMMON STOCK     931422109     1256    42946 SH       OTHER                 41346        0     1600
WALMART STORES INC             COMMON STOCK     931142103     1919    27764 SH       DEFINED               27524        0      240
WALMART STORES INC             COMMON STOCK     931142103      802    11600 SH       OTHER                 10400      200     1000
WARNER LAMBERT CO              COMMON STOCK     934488107     1789    21833 SH       DEFINED               21833        0        0
WARNER LAMBERT CO              COMMON STOCK     934488107       43      522 SH       OTHER                   522        0        0
WASHINGTON MUT INC             COMMON STOCK     939322103       13      510 SH       DEFINED                 510        0        0
WASHINGTON REAL ESTATE INVEST  COMMON STOCK     939653101       14      920 SH       DEFINED                 920        0        0
WASTE MANAGEMENT INC           COMMON STOCK     94106L109        5      300 SH       DEFINED                 300        0        0
WEINGARTEN RLTY INVS           COMMON STOCK     948741103        6      149 SH       DEFINED                 149        0        0
WELLS FARGO & CO NEW           COMMON STOCK     949746101      934    23096 SH       DEFINED               23096        0        0
WELLS FARGO & CO NEW           COMMON STOCK     949746101       36      900 SH       OTHER                   900        0        0
WENDYS INTL INC                COMMON STOCK     950590109       21     1000 SH       OTHER                     0        0     1000
WESTERN RES INC                COMMON STOCK     959425109       57     3350 SH       OTHER                  3350        0        0
WEYERHAEUSER                   COMMON STOCK     962166104       86     1200 SH       DEFINED                1200        0        0
WHIRLPOOL CORP                 COMMON STOCK     963320106     2349    36105 SH       DEFINED               36105        0        0
WHIRLPOOL CORP                 COMMON STOCK     963320106      560     8600 SH       OTHER                  8600        0        0
WHITMAN CORP NEW               COMMON STOCK     96647R107      213    15816 SH       DEFINED               15816        0        0
WHITMAN CORP NEW               COMMON STOCK     96647R107       25     1865 SH       OTHER                  1785        0       80
WILLIAMS COS INC               COMMON STOCK     969457100      122     3990 SH       DEFINED                3990        0        0
WINN-DIXIE STORES INC.         COMMON STOCK     974280109       32     1328 SH       DEFINED                1328        0        0
WINN-DIXIE STORES INC.         COMMON STOCK     974280109       64     2664 SH       OTHER                     0        0     2664
WISCONSIN ENERGY CORP          COMMON STOCK     976657106      398    20666 SH       DEFINED               20666        0        0
WISCONSIN ENERGY CORP          COMMON STOCK     976657106      104     5400 SH       OTHER                  5400        0        0
WRIGLEY (WM) JR                COMMON STOCK     982526105       17      200 SH       DEFINED                 200        0        0
WRIGLEY (WM) JR                COMMON STOCK     982526105      467     5636 SH       OTHER                   111        0     5525
WYMAN GORDON CO                COMMON STOCK     983085101       40     2000 SH       DEFINED                2000        0        0
XEROX CORP                     COMMON STOCK     984121103      786    34651 SH       DEFINED               34551        0      100
XEROX CORP                     COMMON STOCK     984121103      481    21206 SH       OTHER                 21206        0        0
XILINX INC                     COMMON STOCK     983919101       74     1630 SH       DEFINED                1630        0        0
XILINX INC                     COMMON STOCK     983919101       14      314 SH       OTHER                   314        0        0
XOMA LTD                       COMMON STOCK     G9825R107        6     2000 SH       DEFINED                   0        0     2000
YAHOO INC                      COMMON STOCK     984332106      135      311 SH       DEFINED                 311        0        0
YAHOO INC                      COMMON STOCK     984332106       76      175 SH       OTHER                   175        0        0
YPF SOCIEDAD ANONIMA ADR CL D  COMMON STOCK     984245100       18      500 SH       DEFINED                 500        0        0
ZIONS BANCORP                  COMMON STOCK     989701107       47      800 SH       OTHER                   800        0        0
3 COM CORP                     COMMON STOCK     885535104       21      450 SH       OTHER                     0      300      150
ATLANTIC RICHFIELD 2.80 CUM CO PREFERRED STOCK  048825400       25       63 SH       DEFINED             N.A.     N.A.     N.A.
BRISTOL MYERS SQUIBB PFD       PREFERRED STOCK  110122207       50       62 SH       DEFINED             N.A.     N.A.     N.A.
SEALED AIR CORP NEW PFD SER A  PREFERRED STOCK  81211K209        5       95 SH       DEFINED             N.A.     N.A.     N.A.
OLD NATL BANCORP DEB 8.000%  9 OTHER            680033AA5       12     5000 PRN      DEFINED             N.A.     N.A.     N.A.
ACM GOVT SECS FD INC           OTHER            000914101        4      600 SH       DEFINED             N.A.     N.A.     N.A.
BLACKROCK INCOME TR            OTHER            09247F100        6     1000 SH       DEFINED             N.A.     N.A.     N.A.
BLACKROCK 2001                 OTHER            092477108       45     5100 SH       OTHER               N.A.     N.A.     N.A.
CHARTWELL DIV & INC FD         OTHER            16139P104      101     9840 SH       DEFINED             N.A.     N.A.     N.A.
DEBT STRATEGIES FD INC         OTHER            242768109       24     3917 SH       DEFINED             N.A.     N.A.     N.A.
DUFF & PHELPS UTIL & CORP BD T OTHER            26432K108        7      571 SH       DEFINED             N.A.     N.A.     N.A.
FRANKLIN UNIVERSAL TRUST       OTHER            355145103       13     1869 SH       DEFINED             N.A.     N.A.     N.A.
MFS CHARTER INCOME TR          OTHER            552727109        8     1000 SH       DEFINED             N.A.     N.A.     N.A.
MFS GOVT MARKETS INCOME TR     OTHER            552939100        7     1150 SH       DEFINED             N.A.     N.A.     N.A.
VAN KAMPEN AMERN CAP VALUE MUN OTHER            921132106        5      400 SH       DEFINED             N.A.     N.A.     N.A.
VAN KAMPEN BOND FD             OTHER            920955101        8      540 SH       DEFINED             N.A.     N.A.     N.A.
ACM GOVT INCOME FD INC         OTHER            000912105       17     2700 SH       DEFINED                2700        0        0
DUFF & PHELPS UTIL INCOME INC  OTHER            264324104      104    12467 SH       DEFINED               12467        0        0
EQUITY INV UNIT 1ST EX AT&T SH OTHER            294700703      591     2915 SH       OTHER                  2915        0        0
FIRST AUSTRALIA PRIME INCOME F OTHER            318653102        3      538 SH       DEFINED                 538        0        0
GABELLI GLOBAL MULTIMEDIA TR   OTHER            36239Q109        0       11 SH       DEFINED                  11        0        0
MFS SPL VALUE TR               OTHER            55274E102       32     2200 SH       DEFINED                2200        0        0
PUTNAM INV GRADE MUNI TR       OTHER            746805100       16     1416 SH       DEFINED                1416        0        0
PUTNAM MASTER INTER INC TR     OTHER            746909100       10     1700 SH       DEFINED                1700        0        0
TEMPLETON CHINA WORLD FD       OTHER            88018X102        4      500 SH       DEFINED                 500        0        0
AMERICAN MUN TERM TR INC III   OTHER            027654102       25     2500 SH       DEFINED             N.A.     N.A.     N.A.
COLONIAL MUN INC TR SH BEN INT OTHER            195799101        6     1000 SH       DEFINED             N.A.     N.A.     N.A.
DREYFUS MUN INCOME             OTHER            26201R102        8     1079 SH       DEFINED             N.A.     N.A.     N.A.
KEMPER MUNI INC TR SHS BEN INT OTHER            48842C104       14     1400 SH       DEFINED             N.A.     N.A.     N.A.
MANAGED MUNI PORTFOLIO INC     OTHER            561662107       22     2401 SH       DEFINED             N.A.     N.A.     N.A.
MFS MUNICIPAL INCOME FD A      OTHER            552738106       49     7500 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PREM INC MUN FD         OTHER            67062T100        5      400 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN SELECT MAT MUN FD       OTHER            67061T101        9      998 SH       DEFINED             N.A.     N.A.     N.A.
PUTNAM INVT GRADE MUN TR II    OTHER            746806108        6      600 SH       DEFINED             N.A.     N.A.     N.A.
SMITH BARNEY MUN FD INC        OTHER            831902101       62     5000 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STANLEY DEAN WITTER GOV OTHER            61745P106       25     3115 SH       OTHER               N.A.     N.A.     N.A.
KINDER MORGAN ENERGY PARTNERS  OTHER            494550106        3       69 SH       DEFINED             N.A.     N.A.     N.A.
</TABLE>


© 2022 IncJournal is not affiliated with or endorsed by the U.S. Securities and Exchange Commission