OLD NATIONAL BANCORP /IN/
13F-HR, 2000-04-10
NATIONAL COMMERCIAL BANKS
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                            UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C.  20549

                                    FORM 13F

                               FORM 13F COVER PAGE

REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 3/31/00

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           4/6/00


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:    938

FORM 13F INFORMATION TABLE VALUE TOTAL:             $847,881
<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       94     2343 SH       DEFINED                2343        0        0
ABBOTT LABS                    COMMON STOCK     002824100     1675    47602 SH       DEFINED               45902        0     1700
ABBOTT LABS                    COMMON STOCK     002824100      573    16287 SH       OTHER                 16287        0        0
ADAC LABS                      COMMON STOCK     005313200        1      100 SH       OTHER                   100        0        0
ADAMS EXPRESS CO               COMMON STOCK     006212104       70     1879 SH       DEFINED                1879        0        0
ADC TELECOMMUNICATIONS INC     COMMON STOCK     000886101     3350    62175 SH       DEFINED               62175        0        0
ADC TELECOMMUNICATIONS INC     COMMON STOCK     000886101      884    16406 SH       OTHER                 16006        0      400
ADECCO SA                      COMMON STOCK     006754105        4       50 SH       DEFINED                  50        0        0
ADOBE SYS INC                  COMMON STOCK     00724F101       45      400 SH       OTHER                     0        0      400
ADR GLAXO WELLCOME PLC SPONSOR COMMON STOCK     37733W105      203     3550 SH       DEFINED                3550        0        0
ADR GLAXO WELLCOME PLC SPONSOR COMMON STOCK     37733W105       38      666 SH       OTHER                     0        0      666
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       64     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       14     2000 SH       OTHER                  2000        0        0
AEGON N V                      COMMON STOCK     007924103      138     1714 SH       DEFINED                1714        0        0
AEGON N V                      COMMON STOCK     007924103      311     3868 SH       OTHER                  3868        0        0
AES CORP                       COMMON STOCK     00130H105       28      350 SH       DEFINED                 350        0        0
AFLAC INC                      COMMON STOCK     001055102       27      600 SH       DEFINED                 600        0        0
AIR PRODS & CHEMS INC          COMMON STOCK     009158106      102     3593 SH       DEFINED                3593        0        0
AIR PRODS & CHEMS INC          COMMON STOCK     009158106       51     1800 SH       OTHER                  1800        0        0
AK STEEL HOLDING CORP          COMMON STOCK     001547108        4      400 SH       DEFINED                 400        0        0
AKAMAI TECHNOLOGIES INC        COMMON STOCK     00971T101       11       70 SH       DEFINED                   0        0       70
ALBERTSONS INC                 COMMON STOCK     013104104      101     3286 SH       DEFINED                3286        0        0
ALBERTSONS INC                 COMMON STOCK     013104104       47     1512 SH       OTHER                  1512        0        0
ALCOA INC                      COMMON STOCK     013817101      917    13058 SH       DEFINED               13058        0        0
ALCOA INC                      COMMON STOCK     013817101      697     9917 SH       OTHER                  9917        0        0
ALLEGHENY POWER SYSTEMS INC    COMMON STOCK     017361106       11      400 SH       DEFINED                 400        0        0
ALLEGHENY POWER SYSTEMS INC    COMMON STOCK     017361106       83     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      208     4088 SH       OTHER                  4088        0        0
ALLSTATE CORP                  COMMON STOCK     020002101       64     2676 SH       DEFINED                2676        0        0
ALLSTATE CORP                  COMMON STOCK     020002101        4      184 SH       OTHER                   184        0        0
ALLTEL CORP                    COMMON STOCK     020039103       60      954 SH       DEFINED                 954        0        0
ALTERA CORP                    COMMON STOCK     021441100      126     1408 SH       DEFINED                1408        0        0
AMAZON COM INC                 COMMON STOCK     023135106       11      170 SH       DEFINED                 170        0        0
AMEREN CORP                    COMMON STOCK     023608102      118     3811 SH       DEFINED                1442        0     2369
AMEREN CORP                    COMMON STOCK     023608102       70     2257 SH       OTHER                  1948        0      309
AMERICA ONLINE INC             COMMON STOCK     02364J104     2323    34447 SH       DEFINED               32127        0     2320
AMERICA ONLINE INC             COMMON STOCK     02364J104      435     6444 SH       OTHER                  3244        0     3200
AMERICAN ELEC PWR INC          COMMON STOCK     025537101       63     2113 SH       DEFINED                2113        0        0
AMERICAN ELEC PWR INC          COMMON STOCK     025537101       29      983 SH       OTHER                   983        0        0
AMERICAN EXPRESS CO            COMMON STOCK     025816109      171     1150 SH       DEFINED                1150        0        0
AMERICAN GENERAL CORP TEXAS    COMMON STOCK     026351106     2301    41002 SH       DEFINED               41002        0        0
AMERICAN HOME PRODS CORP       COMMON STOCK     026609107     2391    44488 SH       DEFINED               43488        0     1000
AMERICAN HOME PRODS CORP       COMMON STOCK     026609107      911    16950 SH       OTHER                 16950        0        0
AMERICAN INTL GROUP INC        COMMON STOCK     026874107     5998    54773 SH       DEFINED               54598        0      175
AMERICAN INTL GROUP INC        COMMON STOCK     026874107     1782    16276 SH       OTHER                 16276        0        0
AMERICAN PWR CONVERSION        COMMON STOCK     029066107       34      799 SH       DEFINED                 799        0        0
AMERICAN WATER WORKS INC       COMMON STOCK     030411102       95     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        2      100 SH       DEFINED                 100        0        0
AMGEN INC                      COMMON STOCK     031162100      442     7202 SH       DEFINED                7202        0        0
AMGEN INC                      COMMON STOCK     031162100       58      950 SH       OTHER                   950        0        0
AMLI RESIDENTIAL PPTYS TR      COMMON STOCK     001735109        4      218 SH       DEFINED                 218        0        0
AMSOUTH BANCORPORATION         COMMON STOCK     032165102       23     1511 SH       DEFINED                1511        0        0
AMTRAN INC                     COMMON STOCK     03234G106        2      135 SH       DEFINED                 135        0        0
ANADARKO PETE CORP             COMMON STOCK     032511107       26      664 SH       DEFINED                 664        0        0
ANADIGICS INC                  COMMON STOCK     032515108       19      292 SH       DEFINED                 292        0        0
ANALOG DEVICES INC             COMMON STOCK     032654105      172     2142 SH       DEFINED                2142        0        0
ANHEUSER-BUSCH CO              COMMON STOCK     035229103      403     6472 SH       DEFINED                6472        0        0
AON CORP                       COMMON STOCK     037389103       11      337 SH       DEFINED                 337        0        0
AON CORP                       COMMON STOCK     037389103      218     6750 SH       OTHER                  6750        0        0
APACHE CORP                    COMMON STOCK     037411105       70     1412 SH       DEFINED                1412        0        0
APOLLO GROUP                   COMMON STOCK     037604105       31     1100 SH       DEFINED                1100        0        0
APPLE COMPUTER INC             COMMON STOCK     037833100      177     1300 SH       DEFINED                1300        0        0
APPLE COMPUTER INC             COMMON STOCK     037833100       14      100 SH       OTHER                   100        0        0
APPLIED MATLS INC              COMMON STOCK     038222105      118     1250 SH       DEFINED                1250        0        0
APPLIED MICRO CIRCUITS CORP    COMMON STOCK     03822W109       30      200 SH       DEFINED                 200        0        0
APPLIED PWR INC                COMMON STOCK     038225108       17      600 SH       DEFINED                 600        0        0
ARCHER DANIELS MIDLAND CO      COMMON STOCK     039483102       41     4022 SH       DEFINED                4022        0        0
AREA BANCSHARES CORP NEW       COMMON STOCK     039872106       14      720 SH       DEFINED                 720        0        0
ARVIN INDS INC                 COMMON STOCK     043339100      210     9300 SH       DEFINED                9300        0        0
ASHLAND INC                    COMMON STOCK     044204105       41     1232 SH       DEFINED                1232        0        0
ASSOCIATED BANC CORP           COMMON STOCK     045487105       30     1000 SH       DEFINED                1000        0        0
ASSOCIATES FIRST CAP CORP      COMMON STOCK     046008108      572    26751 SH       DEFINED               26751        0        0
ASSOCIATES FIRST CAP CORP      COMMON STOCK     046008108      145     6798 SH       OTHER                  6798        0        0
ASTRAZENECA PLC SPONSORED ADR  COMMON STOCK     046353108       16      403 SH       DEFINED                 403        0        0
AT & T CORP                    COMMON STOCK     001957109     4190    74400 SH       DEFINED               72450        0     1950
AT & T CORP                    COMMON STOCK     001957109      698    12400 SH       OTHER                 11825        0      575
AT HOME CORP                   COMMON STOCK     045919107      114     3450 SH       DEFINED                3450        0        0
ATLANTIC RICHFIELD CO          COMMON STOCK     048825103     1596    18774 SH       DEFINED               12930        0     5844
ATLANTIC RICHFIELD CO          COMMON STOCK     048825103      264     3110 SH       OTHER                  3110        0        0
AUTODESK INC                   COMMON STOCK     052769106       27      597 SH       DEFINED                 597        0        0
AUTOLIV INC                    COMMON STOCK     052800109       33     1096 SH       DEFINED                1096        0        0
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103      265     5486 SH       DEFINED                5086        0      400
AUTOZONE INC                   COMMON STOCK     053332102      187     6742 SH       DEFINED                6742        0        0
AVERY DENNISON CORP            COMMON STOCK     053611109       16      264 SH       DEFINED                 264        0        0
AVISTA CORP                    COMMON STOCK     05379B107       16      400 SH       DEFINED                 400        0        0
AVON PRODS INC                 COMMON STOCK     054303102      408    13954 SH       DEFINED               13954        0        0
AVON PRODS INC                 COMMON STOCK     054303102      611    20900 SH       OTHER                 20900        0        0
AXA FINANCIAL INC COM          COMMON STOCK     002451102       33      925 SH       OTHER                   925        0        0
AZTAR CORP                     COMMON STOCK     054802103       48     5000 SH       DEFINED                5000        0        0
BALDOR ELEC CO                 COMMON STOCK     057741100       89     4933 SH       DEFINED                4933        0        0
BALLARD PWR SYS INC            COMMON STOCK     05858H104        8      100 SH       DEFINED                 100        0        0
BANK OF AMERICA CORP           COMMON STOCK     060505104      412     7853 SH       DEFINED                7853        0        0
BANK OF AMERICA CORP           COMMON STOCK     060505104      106     2017 SH       OTHER                  2017        0        0
BANK ONE CORP COM              COMMON STOCK     06423A103     2292    66438 SH       DEFINED               65995        0      443
BANK ONE CORP COM              COMMON STOCK     06423A103      362    10487 SH       OTHER                 10487        0        0
BANK TOKYO-MITSUBISHI LTD      COMMON STOCK     065379109        7      500 SH       DEFINED                 500        0        0
BARNES & NOBLE INC             COMMON STOCK     067774109       12      500 SH       DEFINED                 500        0        0
BARRICK GOLD CORP              COMMON STOCK     067901108        8      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      229     3655 SH       DEFINED                3655        0        0
BAXTER INTERNATIONAL INC       COMMON STOCK     071813109       31      500 SH       OTHER                   500        0        0
BAY VIEW CAP CORP DEL          COMMON STOCK     07262L101        1      113 SH       DEFINED                 113        0        0
BELL ATLANTIC                  COMMON STOCK     077853109     2304    37686 SH       DEFINED               37686        0        0
BELL ATLANTIC                  COMMON STOCK     077853109      990    16196 SH       OTHER                 16196        0        0
BELL INDS INC                  COMMON STOCK     078107109        2      500 SH       DEFINED                 500        0        0
BELLSOUTH                      COMMON STOCK     079860102     5481   116929 SH       DEFINED              116769        0      160
BELLSOUTH                      COMMON STOCK     079860102     2357    50272 SH       OTHER                 49640        0      632
BELLWETHER EXPL CO NEW         COMMON STOCK     079895207        7     1000 SH       DEFINED                1000        0        0
BEMIS CO                       COMMON STOCK     081437105       18      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        6       68 SH       DEFINED                  68        0        0
BESTFOODS                      COMMON STOCK     08658U101     1689    36078 SH       DEFINED               36078        0        0
BESTFOODS                      COMMON STOCK     08658U101      401     8557 SH       OTHER                  8557        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     1984    28388 SH       DEFINED               28388        0        0
BIOGEN INC                     COMMON STOCK     090597105      857    12264 SH       OTHER                 12264        0        0
BIOMET INC                     COMMON STOCK     090613100       91     2505 SH       DEFINED                2505        0        0
BIOMET INC                     COMMON STOCK     090613100       95     2606 SH       OTHER                  2606        0        0
BIOSOURCE INTL INC             COMMON STOCK     09066H104       10      825 SH       DEFINED                 825        0        0
BJS WHSL CLUB INC              COMMON STOCK     05548J106       27      714 SH       OTHER                   714        0        0
BLACK & DECKER CORP            COMMON STOCK     091797100       36      953 SH       DEFINED                 953        0        0
BMC SOFTWARE INC               COMMON STOCK     055921100      116     2358 SH       DEFINED                2358        0        0
BOEING COMPANY                 COMMON STOCK     097023105      587    15513 SH       DEFINED               15513        0        0
BOEING COMPANY                 COMMON STOCK     097023105       26      700 SH       OTHER                   700        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
BP AMOCO PLC ADR               COMMON STOCK     055622104    11720   220088 SH       DEFINED              218618     1270      200
BP AMOCO PLC ADR               COMMON STOCK     055622104     4196    78804 SH       OTHER                 42514    23474    12816
BRAUN CONSULTING INC           COMMON STOCK     105651103        6      200 SH       DEFINED                 200        0        0
BRISTOL MYERS SQUIBB CORP      COMMON STOCK     110122108    14839   255840 SH       DEFINED              255220        0      620
BRISTOL MYERS SQUIBB CORP      COMMON STOCK     110122108     4294    74035 SH       OTHER                 74035        0        0
BROADCOM CORP                  COMMON STOCK     111320107       49      200 SH       DEFINED                 200        0        0
BROADVISION INC                COMMON STOCK     111412102       81     1800 SH       DEFINED                1800        0        0
BROOKE GROUP LTD               COMMON STOCK     112525100        2      173 SH       DEFINED                 173        0        0
BROWN SHOE COMPANY INC         COMMON STOCK     115736100       44     3705 SH       DEFINED                3705        0        0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK     12189T104       87     3814 SH       DEFINED                3814        0        0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK     12189T104       12      540 SH       OTHER                   540        0        0
BURLINGTON RESOURCES INC       COMMON STOCK     122014103       49     1323 SH       DEFINED                1323        0        0
CA CULINARY ACADEMY            COMMON STOCK     129905105        1      200 SH       DEFINED                 200        0        0
CABLETRON SYS INC              COMMON STOCK     126920107      137     4672 SH       DEFINED                4672        0        0
CAMPBELL SOUP CO               COMMON STOCK     134429109      246     8000 SH       DEFINED                8000        0        0
CANADIAN PACIFIC LTD NEW       COMMON STOCK     135923100       27     1200 SH       DEFINED                1200        0        0
CARDINAL HEALTH INC            COMMON STOCK     14149Y108      228     4977 SH       DEFINED                4977        0        0
CARDINAL HEALTH INC            COMMON STOCK     14149Y108      296     6450 SH       OTHER                  6450        0        0
CARNIVAL CORP COM              COMMON STOCK     143658102     1419    57196 SH       DEFINED               57196        0        0
CARNIVAL CORP COM              COMMON STOCK     143658102      546    21985 SH       OTHER                 21985        0        0
CAROLINA PWR & LT CO           COMMON STOCK     144141108       37     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      365     9252 SH       DEFINED                9252        0        0
CATERPILLAR INC                COMMON STOCK     149123101       16      400 SH       OTHER                   400        0        0
CBRL GROUP INC                 COMMON STOCK     12489V106       67     6725 SH       DEFINED                6625        0      100
CBRL GROUP INC                 COMMON STOCK     12489V106      209    20900 SH       OTHER                 20900        0        0
CBS CORP                       COMMON STOCK     12490K107      129     2271 SH       DEFINED                2271        0        0
CENTRAL & SOUTH WEST CORP      COMMON STOCK     152357109       28     1650 SH       DEFINED                1650        0        0
CENTRAL & SOUTH WEST CORP      COMMON STOCK     152357109       10      600 SH       OTHER                   600        0        0
CFS BANCORP INC                COMMON STOCK     12525D102        6      720 SH       DEFINED                 720        0        0
CHALONE WINE GROUP LTD         COMMON STOCK     157639105        1      100 SH       DEFINED                 100        0        0
CHARTER COMM INC DEL           COMMON STOCK     16117M107        3      200 SH       DEFINED                 200        0        0
CHARTER ONE FINL INC           COMMON STOCK     160903100        6      297 SH       DEFINED                 297        0        0
CHASE MANHATTAN CORP NEW       COMMON STOCK     16161A108     4282    49113 SH       DEFINED               47623        0     1490
CHASE MANHATTAN CORP NEW       COMMON STOCK     16161A108      499     5728 SH       OTHER                  5728        0        0
CHELSEA GCA RLTY INC           COMMON STOCK     163262108        3      100 SH       DEFINED                 100        0        0
CHEVRON CORP                   COMMON STOCK     166751107     3087    33397 SH       DEFINED               32997        0      400
CHEVRON CORP                   COMMON STOCK     166751107      479     5181 SH       OTHER                  5181        0        0
CHUBB CORP                     COMMON STOCK     171232101       14      200 SH       DEFINED                 200        0        0
CIENA CORP                     COMMON STOCK     171779101       25      200 SH       DEFINED                 200        0        0
CIGNA CORP                     COMMON STOCK     125509109       45      600 SH       DEFINED                 600        0        0
CINCINNATI FINL CORP           COMMON STOCK     172062101       49     1290 SH       DEFINED                1290        0        0
CINERGY CORP                   COMMON STOCK     172474108      152     7062 SH       DEFINED                4181        0     2881
CINERGY CORP                   COMMON STOCK     172474108       45     2100 SH       OTHER                  2100        0        0
CIRCUIT CITY STORES INC        COMMON STOCK     172737108       93     1532 SH       DEFINED                1532        0        0
CISCO SYSTEMS INC              COMMON STOCK     17275R102    37815   489120 SH       DEFINED              486620        0     2500
CISCO SYSTEMS INC              COMMON STOCK     17275R102     7922   102472 SH       OTHER                 95272        0     7200
CITIGROUP INC COM              COMMON STOCK     172967101     3062    51145 SH       DEFINED               45322        0     5823
CITIGROUP INC COM              COMMON STOCK     172967101      255     4259 SH       OTHER                  4259        0        0
CITIZENS UTILITIES CLASS B     COMMON STOCK     177342201       11      679 SH       DEFINED                 679        0        0
CLASSIC BANCSHARES INC         COMMON STOCK     18272M104        1      100 SH       DEFINED                 100        0        0
CLAYTON HOMES INC              COMMON STOCK     184190106       22     2130 SH       DEFINED                2130        0        0
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK     184502102       59      850 SH       DEFINED                 850        0        0
CLOROX CO                      COMMON STOCK     189054109       26      798 SH       OTHER                   798        0        0
CMGI INC                       COMMON STOCK     125750109       23      200 SH       DEFINED                 200        0        0
CMS ENERGY CORP                COMMON STOCK     125896100       15      800 SH       DEFINED                 800        0        0
COCA COLA CO                   COMMON STOCK     191216100     2850    60717 SH       DEFINED               53035        0     7682
COCA COLA CO                   COMMON STOCK     191216100      274     5845 SH       OTHER                  5045        0      800
COCA COLA ENTERPRISES          COMMON STOCK     191219104       71     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      773    13712 SH       DEFINED               13712        0        0
COLGATE PALMOLIVE CO           COMMON STOCK     194162103      203     3600 SH       OTHER                  2000        0     1600
COLUMBIA/HCA HEALTHCARE CORP   COMMON STOCK     197677107        3      120 SH       DEFINED                 120        0        0
COMCAST CORP                   COMMON STOCK     200300200     1101    25387 SH       DEFINED               25187        0      200
COMCAST CORP                   COMMON STOCK     200300200      529    12190 SH       OTHER                 12190        0        0
COMERICA INC                   COMMON STOCK     200340107       51     1215 SH       DEFINED                1215        0        0
COMERICA INC                   COMMON STOCK     200340107       68     1635 SH       OTHER                  1635        0        0
COMM INTELLIGENCE CORP DEL     COMMON STOCK     20338K106        1      220 SH       DEFINED                 220        0        0
COMMERCE ONE INC               COMMON STOCK     200693109        3       20 SH       DEFINED                  20        0        0
COMMSCOPE INC                  COMMON STOCK     203372107        3       66 SH       OTHER                    66        0        0
COMMUNITY BK SYS INC           COMMON STOCK     203607106       18      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      561    20764 SH       DEFINED               20264        0      500
COMPAQ COMPUTER CORP           COMMON STOCK     204493100       49     1800 SH       OTHER                  1800        0        0
COMPUTER ASSOC                 COMMON STOCK     204912109        7      124 SH       DEFINED                 124        0        0
COMPUTER SCIENCES CORP         COMMON STOCK     205363104      352     4447 SH       DEFINED                4447        0        0
COMPUTER SCIENCES CORP         COMMON STOCK     205363104      423     5350 SH       OTHER                  5350        0        0
COMPUWARE CORP                 COMMON STOCK     205638109       21     1000 SH       DEFINED                1000        0        0
CONAGRA INC                    COMMON STOCK     205887102        4      200 SH       DEFINED                 200        0        0
CONECTIV INC                   COMMON STOCK     206829103       26     1473 SH       DEFINED                1473        0        0
CONECTIV INC                   COMMON STOCK     206829202        5      245 SH       DEFINED                 245        0        0
CONEXANT SYS INC               COMMON STOCK     207142100       94     1320 SH       DEFINED                1320        0        0
CONNECTICUT WTR SVC INC        COMMON STOCK     207797101       17      600 SH       DEFINED                 600        0        0
CONSECO INC                    COMMON STOCK     208464107        7      571 SH       DEFINED                 571        0        0
CONSECO INC                    COMMON STOCK     208464107        6      500 SH       OTHER                   500        0        0
CONSOLIDATED EDISON INC        COMMON STOCK     209115104       56     1920 SH       DEFINED                1920        0        0
CONSOLIDATED PRODS INC         COMMON STOCK     209798107       24     2499 SH       OTHER                  2499        0        0
CONSOLIDATED STORES CORP       COMMON STOCK     210149100       69     6093 SH       DEFINED                6093        0        0
CONSOLIDATED STORES CORP       COMMON STOCK     210149100       66     5788 SH       OTHER                  5788        0        0
CONSTELLATION ENERGY GROUP     COMMON STOCK     210371100       10      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       12      500 SH       DEFINED                 500        0        0
CORN PRODS INTL INC            COMMON STOCK     219023108        2       92 SH       OTHER                    92        0        0
CORNING INC                    COMMON STOCK     219350105      141      727 SH       DEFINED                 727        0        0
CORNING INC                    COMMON STOCK     219350105     1109     5718 SH       OTHER                  5718        0        0
COSTCO WHSL CORP NEW           COMMON STOCK     22160K105        4       70 SH       DEFINED                  70        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        7      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     2267    59842 SH       DEFINED               59842        0        0
CROWN CASTLE INTL CORP         COMMON STOCK     228227104      468    12369 SH       OTHER                 12369        0        0
CROWN CORK & SEAL INC          COMMON STOCK     228255105       19     1188 SH       DEFINED                1188        0        0
CSX CORP                       COMMON STOCK     126408103       76     3218 SH       DEFINED                3218        0        0
CSX CORP                       COMMON STOCK     126408103      122     5196 SH       OTHER                  5196        0        0
CVS CORP                       COMMON STOCK     126650100       19      500 SH       DEFINED                 500        0        0
D R HORTON INC                 COMMON STOCK     23331A109       45     3424 SH       DEFINED                3424        0        0
DAIMLERCHRYSLER AG             COMMON STOCK     D1668R123      124     1895 SH       DEFINED                1895        0        0
DAIMLERCHRYSLER AG             COMMON STOCK     D1668R123       49      747 SH       OTHER                   747        0        0
DANAHER CORP                   COMMON STOCK     235851102       85     1670 SH       DEFINED                1670        0        0
DARDEN RESTAURANTS INC         COMMON STOCK     237194105        2      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
DEERE & COMPANY                COMMON STOCK     244199105       42     1110 SH       DEFINED                1110        0        0
DELL COMPUTER CORP             COMMON STOCK     247025109     1016    18832 SH       DEFINED               18632        0      200
DELL COMPUTER CORP             COMMON STOCK     247025109      852    15790 SH       OTHER                 10190        0     5600
DELPHI AUTOMOTIVE SYS CORP     COMMON STOCK     247126105       22     1406 SH       DEFINED                1406        0        0
DELPHI AUTOMOTIVE SYS CORP     COMMON STOCK     247126105        2      138 SH       OTHER                   138        0        0
DELTA AIR LINES                COMMON STOCK     247361108       62     1160 SH       DEFINED                1160        0        0
DELUXE CORP                    COMMON STOCK     248019101       13      500 SH       DEFINED                 500        0        0
DEVON ENERGY CORP NEW          COMMON STOCK     25179M103       36      750 SH       OTHER                   750        0        0
DEXTER CORP                    COMMON STOCK     252165105       53     1000 SH       DEFINED                1000        0        0
DIAL CORP NEW                  COMMON STOCK     25247D101        6      471 SH       DEFINED                 471        0        0
DIAMONDS TR SERIES I           COMMON STOCK     252787106       27      250 SH       DEFINED                   0        0      250
DILLARDS INC CL A              COMMON STOCK     254067101       16     1000 SH       DEFINED                1000        0        0
DISNEY                         COMMON STOCK     254687106     4126   100028 SH       DEFINED               99878        0      150
DISNEY                         COMMON STOCK     254687106     1284    31137 SH       OTHER                 31137        0        0
DITECH COMMUNICATIONS CORP     COMMON STOCK     25500M103       11      100 SH       DEFINED                 100        0        0
DOLE FOOD COMPANY INC          COMMON STOCK     256605106        0        1 SH       DEFINED                   1        0        0
DOMINION RES INC VA NEW        COMMON STOCK     25746U109       14      374 SH       DEFINED                 374        0        0
DOVER CORPORATION              COMMON STOCK     260003108       15      320 SH       DEFINED                 320        0        0
DOW CHEM CO                    COMMON STOCK     260543103     1210    10615 SH       DEFINED               10215        0      400
DOW CHEM CO                    COMMON STOCK     260543103      365     3200 SH       OTHER                  2450      750        0
DPL INC                        COMMON STOCK     233293109       30     1351 SH       DEFINED                 676        0      675
DQE INC                        COMMON STOCK     23329J104       14      300 SH       DEFINED                 300        0        0
DTE ENERGY CO                  COMMON STOCK     233331107       20      682 SH       DEFINED                 682        0        0
DU PONT E I DE NEMOURS & CO    COMMON STOCK     263534109     3384    63930 SH       DEFINED               63150        0      780
DU PONT E I DE NEMOURS & CO    COMMON STOCK     263534109      188     3560 SH       OTHER                  3560        0        0
DUKE ENERGY CORP               COMMON STOCK     264399106      707    13463 SH       DEFINED               13463        0        0
DUKE ENERGY CORP               COMMON STOCK     264399106       95     1816 SH       OTHER                  1816        0        0
DUKE REALTY INVESTMENT INC     COMMON STOCK     264411505       77     4000 SH       DEFINED                4000        0        0
DYNEGY INC NEW                 COMMON STOCK     26816Q101       56      900 SH       DEFINED                 900        0        0
EARTHGRAINS CO                 COMMON STOCK     270319106        4      256 SH       DEFINED                 256        0        0
EASTMAN KODAK CO               COMMON STOCK     277461109      409     7531 SH       DEFINED                7491        0       40
EASTMAN KODAK CO               COMMON STOCK     277461109       22      400 SH       OTHER                   400        0        0
ECI TELECOM LTD                COMMON STOCK     268258100        3      100 SH       DEFINED                 100        0        0
ECOLAB INC                     COMMON STOCK     278865100       19      519 SH       DEFINED                 519        0        0
EDISON INTL                    COMMON STOCK     281020107       15      888 SH       DEFINED                 888        0        0
EDISON INTL                    COMMON STOCK     281020107       61     3700 SH       OTHER                  3700        0        0
EL PASO ENERGY CORP DEL COM    COMMON STOCK     283905107       33      820 SH       DEFINED                 820        0        0
EL PASO ENERGY CORP DEL COM    COMMON STOCK     283905107        6      144 SH       OTHER                   144        0        0
ELAN PLC                       COMMON STOCK     284131208       48     1000 SH       DEFINED                1000        0        0
ELBIT MEDICAL IMAGING LTD      COMMON STOCK     M37605108        4      300 SH       DEFINED                 300        0        0
ELECTRONIC ARTS                COMMON STOCK     285512109       19      270 SH       DEFINED                 270        0        0
ELECTRONIC DATA SYS CORP NEW   COMMON STOCK     285661104      148     2306 SH       DEFINED                2306        0        0
ELSCINT LTD NEW                COMMON STOCK     M40168102        2      235 SH       DEFINED                 235        0        0
EMBRATEL PARTICIPACOES S A     COMMON STOCK     29081N100       10      400 SH       DEFINED                 400        0        0
EMC CORPORATION                COMMON STOCK     268648102     1113     8835 SH       DEFINED                7835        0     1000
EMC CORPORATION                COMMON STOCK     268648102      110      875 SH       OTHER                    75        0      800
EMERSON ELEC CO                COMMON STOCK     291011104     1894    35654 SH       DEFINED               35054        0      600
EMERSON ELEC CO                COMMON STOCK     291011104      278     5225 SH       OTHER                  5225        0        0
EMISPHERE TECH INC             COMMON STOCK     291345106       18      350 SH       DEFINED                 350        0        0
ENGINEERING ANIMATION INC      COMMON STOCK     292872108        6      450 SH       OTHER                   450        0        0
ENRON                          COMMON STOCK     293561106     2794    37316 SH       DEFINED               35952     1364        0
ENRON                          COMMON STOCK     293561106      397     5300 SH       OTHER                  5300        0        0
ENTERGY CORP NEW               COMMON STOCK     29364G103       31     1540 SH       DEFINED                1540        0        0
EQUITY OFFICE PPTYS TR         COMMON STOCK     294741103       83     3290 SH       DEFINED                3290        0        0
EQUITY RESIDENTIAL PPTYS TR    COMMON STOCK     29476L107      151     3749 SH       DEFINED                3749        0        0
ERICSSON TEL ADR               COMMON STOCK     294821400       35      375 SH       DEFINED                   0        0      375
EUROWEB INTL CORP              COMMON STOCK     298801101        7     1000 SH       DEFINED                1000        0        0
EXCELSIOR HENDERSON MOTORCYCLE COMMON STOCK     300906104        0     2000 SH       DEFINED                2000        0        0
EXODUS COMMUNICATIONS INC      COMMON STOCK     302088109       77      550 SH       DEFINED                 550        0        0
EXPRESS SCRIPTS INC            COMMON STOCK     302182100        2       45 SH       DEFINED                  45        0        0
EXXON MOBIL CORP               COMMON STOCK     30231G102    21257   272746 SH       DEFINED              269611     1650     1485
EXXON MOBIL CORP               COMMON STOCK     30231G102     8192   105109 SH       OTHER                 95510     1520     8079
E4L INC                        COMMON STOCK     268452109        1      425 SH       DEFINED                 425        0        0
FARMERS CAP BK CORP            COMMON STOCK     309562106        3      100 SH       DEFINED                 100        0        0
FED NAT MTG ASSOC              COMMON STOCK     313586109     2584    45691 SH       DEFINED               44991        0      700
FED NAT MTG ASSOC              COMMON STOCK     313586109      916    16200 SH       OTHER                 16200        0        0
FEDERAL SIGNAL CORP            COMMON STOCK     313855108       57     3150 SH       DEFINED                3150        0        0
FIDELITY FEDERAL BANCORP       COMMON STOCK     315921106        1      500 SH       DEFINED                   0        0      500
FIFTH THIRD BANCORP            COMMON STOCK     316773100     8137   129152 SH       DEFINED              129152        0        0
FIFTH THIRD BANCORP            COMMON STOCK     316773100     3157    50112 SH       OTHER                 48070        0     2042
FINOVA GROUP INC               COMMON STOCK     317928109      516    30681 SH       DEFINED               30681        0        0
FINOVA GROUP INC               COMMON STOCK     317928109      136     8061 SH       OTHER                  8061        0        0
FIRST BANCORP IND INC NEW      COMMON STOCK     31867T103        1      100 SH       DEFINED                 100        0        0
FIRST BUSEY CORP               COMMON STOCK     319383105        6      300 SH       DEFINED                 300        0        0
FIRST BUSEY CORP               COMMON STOCK     319383105       15      800 SH       OTHER                   800        0        0
FIRST COMWLTH FD INC           COMMON STOCK     31983F102        9      925 SH       OTHER                   925        0        0
FIRST DATA CORP                COMMON STOCK     319963104       42      940 SH       DEFINED                 940        0        0
FIRST DATA CORP                COMMON STOCK     319963104       28      632 SH       OTHER                   632        0        0
FIRST FINANCIAL CORPORATION    COMMON STOCK     320218100     3606   103954 SH       DEFINED              103954        0        0
FIRST INDIANA CORP             COMMON STOCK     32054R108       14      777 SH       OTHER                   777        0        0
FIRST UN CORP                  COMMON STOCK     337358105      122     3284 SH       DEFINED                2954        0      330
FIRST UN CORP                  COMMON STOCK     337358105       45     1200 SH       OTHER                  1200        0        0
FIRSTAR CORP NEW WIS COM       COMMON STOCK     33763V109      373    16256 SH       DEFINED               16256        0        0
FIRSTAR CORP NEW WIS COM       COMMON STOCK     33763V109      143     6232 SH       OTHER                  6232        0        0
FIRSTCOM CORP                  COMMON STOCK     33763T104      342    10000 SH       DEFINED               10000        0        0
FIRSTENERGY CORP               COMMON STOCK     337932107        7      350 SH       DEFINED                 350        0        0
FISERV INC                     COMMON STOCK     337738108      125     3374 SH       DEFINED                3374        0        0
FISERV INC                     COMMON STOCK     337738108      255     6863 SH       OTHER                  6863        0        0
FISHER SCIENTIFIC INTL INC     COMMON STOCK     338032204        8      180 SH       DEFINED                 180        0        0
FLEETBOSTON FINL CORP COM      COMMON STOCK     339030108      153     4204 SH       DEFINED                4204        0        0
FLEMING COS INC                COMMON STOCK     339130106       15     1000 SH       OTHER                  1000        0        0
FLEXTRONICS INTL LTD           COMMON STOCK     Y2573F102       11      160 SH       DEFINED                 160        0        0
FLORIDA PROGRESS               COMMON STOCK     341109106      109     2367 SH       DEFINED                2367        0        0
FLORIDA PROGRESS               COMMON STOCK     341109106       53     1150 SH       OTHER                  1150        0        0
FLUOR CORP                     COMMON STOCK     343861100       12      375 SH       DEFINED                 375        0        0
FLUOR CORP                     COMMON STOCK     343861100        5      150 SH       OTHER                   150        0        0
FORD MTR CO                    COMMON STOCK     345370100      768    16709 SH       DEFINED               16709        0        0
FORD MTR CO                    COMMON STOCK     345370100       77     1673 SH       OTHER                  1673        0        0
FOREST LABS INC                COMMON STOCK     345838106      103     1224 SH       DEFINED                1224        0        0
FORTUNE BRANDS INC             COMMON STOCK     349631101      175     7007 SH       DEFINED                7007        0        0
FORTUNE BRANDS INC             COMMON STOCK     349631101       47     1875 SH       OTHER                  1875        0        0
FPL GROUP INC                  COMMON STOCK     302571104      528    11468 SH       DEFINED               11468        0        0
FPL GROUP INC                  COMMON STOCK     302571104      221     4794 SH       OTHER                  4794        0        0
FRANCHISE FIN CORP AMER        COMMON STOCK     351807102       20      879 SH       DEFINED                 879        0        0
FRANKLIN RES INC               COMMON STOCK     354613101       50     1500 SH       DEFINED                1350        0      150
FREDDIE MAC                    COMMON STOCK     313400301      266     6010 SH       DEFINED                6010        0        0
FREMONT GENERAL CORP           COMMON STOCK     357288109       16     2474 SH       OTHER                  2474        0        0
GALLAHER GROUP PLC ADR         COMMON STOCK     363595109       88     4475 SH       DEFINED                4475        0        0
GALLAHER GROUP PLC ADR         COMMON STOCK     363595109       41     2075 SH       OTHER                  2075        0        0
GANNETT CO INC                 COMMON STOCK     364730101       42      600 SH       DEFINED                 600        0        0
GAP INC                        COMMON STOCK     364760108      146     2921 SH       DEFINED                2921        0        0
GAP INC                        COMMON STOCK     364760108       84     1687 SH       OTHER                  1687        0        0
GARTNER GROUP INC NEW CL B     COMMON STOCK     366651206       24     1790 SH       DEFINED                1790        0        0
GARTNER GROUP INC NEW CL B     COMMON STOCK     366651206       21     1606 SH       OTHER                  1606        0        0
GATEWAY INC COM                COMMON STOCK     367626108       21      400 SH       DEFINED                 400        0        0
GEMSTAR INTL GROUP LTD         COMMON STOCK     G3788V106        9      100 SH       DEFINED                 100        0        0
GENENTECH INC                  COMMON STOCK     368710406       38      249 SH       DEFINED                 249        0        0
GENERAL ELEC CO                COMMON STOCK     369604103    35318   226942 SH       DEFINED              224762        0     2180
GENERAL ELEC CO                COMMON STOCK     369604103     8780    56418 SH       OTHER                 54618        0     1800
GENERAL MILLS INC              COMMON STOCK     370334104      194     5349 SH       DEFINED                5349        0        0
GENERAL MILLS INC              COMMON STOCK     370334104       39     1064 SH       OTHER                  1064        0        0
GENERAL MTRS CORP              COMMON STOCK     370442105     1314    15873 SH       DEFINED               15737        0      136
GENERAL MTRS CORP              COMMON STOCK     370442105      228     2753 SH       OTHER                  2753        0        0
GENERAL MTRS CORP CL H NEW     COMMON STOCK     370442832        3       21 SH       OTHER                    21        0        0
GENERAL SEMICONDUCTOR INC      COMMON STOCK     370787103        1       50 SH       OTHER                    50        0        0
GENRAD INC                     COMMON STOCK     372447102       25     2000 SH       DEFINED                2000        0        0
GENTEX CORP                    COMMON STOCK     371901109        7      200 SH       OTHER                   200        0        0
GENUINE PARTS CO               COMMON STOCK     372460105        8      337 SH       DEFINED                 337        0        0
GEORGIA PAC CORP               COMMON STOCK     373298108       42     1050 SH       DEFINED                1050        0        0
GEORGIA PAC CORP COM TIMBER GR COMMON STOCK     373298702       14      550 SH       DEFINED                 550        0        0
GERMAN AMERN BANCORP           COMMON STOCK     373865104      137     8896 SH       DEFINED                5337        0     3559
GERMAN AMERN BANCORP           COMMON STOCK     373865104        2      105 SH       OTHER                   105        0        0
GILLETTE                       COMMON STOCK     375766102     2411    63976 SH       DEFINED               62776        0     1200
GILLETTE                       COMMON STOCK     375766102        8      200 SH       OTHER                   200        0        0
GLOBAL CROSSING LTD            COMMON STOCK     G3921A100      180     4400 SH       DEFINED                4400        0        0
GLOBAL CROSSING LTD            COMMON STOCK     G3921A100        8      205 SH       OTHER                   205        0        0
GLOBAL MARINE INC              COMMON STOCK     379352404      178     7000 SH       DEFINED                7000        0        0
GLOBESPAN INC                  COMMON STOCK     379571102       20      200 SH       DEFINED                 200        0        0
GOLDMAN SACHS GROUP INC        COMMON STOCK     38141G104      278     2641 SH       DEFINED                2641        0        0
GOODYEAR TIRE & RUBBER CO      COMMON STOCK     382550101       14      600 SH       DEFINED                 600        0        0
GPU INC                        COMMON STOCK     36225X100       14      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       28      524 SH       DEFINED                 524        0        0
GRAINGER WW INC                COMMON STOCK     384802104       33      600 SH       OTHER                   600        0        0
GROUP 1 AUTOMOTIVE INC         COMMON STOCK     398905109        2      130 SH       DEFINED                 130        0        0
GTE CORP                       COMMON STOCK     362320103     2398    33768 SH       DEFINED               30354        0     3414
GTE CORP                       COMMON STOCK     362320103      688     9687 SH       OTHER                  8913        0      774
GUIDANT CORP                   COMMON STOCK     401698105     4611    78326 SH       DEFINED               78076        0      250
GUIDANT CORP                   COMMON STOCK     401698105     1049    17822 SH       OTHER                 17822        0        0
HALLIBURTON CO                 COMMON STOCK     406216101     1713    41646 SH       DEFINED               41396        0      250
HALLIBURTON CO                 COMMON STOCK     406216101      165     4009 SH       OTHER                  4009        0        0
HANDLEMAN CO DEL               COMMON STOCK     410252100        2      245 SH       DEFINED                 245        0        0
HARLEY DAVIDSON INC            COMMON STOCK     412822108      470     5925 SH       DEFINED                5925        0        0
HARRAH'S ENTNT INC             COMMON STOCK     413619107        8      422 SH       DEFINED                 422        0        0
HARRIS CORP                    COMMON STOCK     413875105        2       60 SH       DEFINED                  60        0        0
HARTFORD FINL SVCS GRP         COMMON STOCK     416515104       11      200 SH       OTHER                   200        0        0
HARTFORD LIFE INC              COMMON STOCK     416592103      156     3325 SH       DEFINED                3325        0        0
HCC INS HLDGS INC              COMMON STOCK     404132102        9      650 SH       DEFINED                   0        0      650
HEALTH MGMT ASSOC INC          COMMON STOCK     421933102     2733   191815 SH       DEFINED              191115        0      700
HEALTH MGMT ASSOC INC          COMMON STOCK     421933102     1123    78839 SH       OTHER                 78839        0        0
HEINZ HJ CO                    COMMON STOCK     423074103       10      300 SH       OTHER                   300        0        0
HELEN OF TROY LTD              COMMON STOCK     G4388N106        3      500 SH       DEFINED                 500        0        0
HERSHEY FOODS CORP             COMMON STOCK     427866108       34      700 SH       DEFINED                 700        0        0
HEWLETT PACKARD CO             COMMON STOCK     428236103     9335    70252 SH       DEFINED               69697        0      555
HEWLETT PACKARD CO             COMMON STOCK     428236103     3301    24842 SH       OTHER                 24842        0        0
HILLENBRAND INDUSTRIES INC     COMMON STOCK     431573104      112     3288 SH       DEFINED                3288        0        0
HILTON HOTELS CORP             COMMON STOCK     432848109       20     2600 SH       DEFINED                2600        0        0
HOME DEPOT                     COMMON STOCK     437076102    13637   211428 SH       DEFINED              208878        0     2550
HOME DEPOT                     COMMON STOCK     437076102     3609    55961 SH       OTHER                 55961        0        0
HOMESEEKERS COM INC            COMMON STOCK     437605108        3      200 SH       DEFINED                 200        0        0
HONEYWELL INTL INC             COMMON STOCK     438516106      396     7522 SH       DEFINED                7522        0        0
HONEYWELL INTL INC             COMMON STOCK     438516106       66     1260 SH       OTHER                  1260        0        0
HOSPITALITY PPTYS TR           COMMON STOCK     44106M102       15      750 SH       DEFINED                 750        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
HUMAN GENOME SCIENCES INC      COMMON STOCK     444903108       47      570 SH       DEFINED                 570        0        0
HUNTINGTON BANCSHARES INC      COMMON STOCK     446150104        5      232 SH       DEFINED                 232        0        0
HUSSMANN INTL INC              COMMON STOCK     448110106      100     7908 SH       DEFINED                7908        0        0
HUSSMANN INTL INC              COMMON STOCK     448110106        8      594 SH       OTHER                   594        0        0
I-FLOW CORP                    COMMON STOCK     449520303        2      360 SH       DEFINED                 360        0        0
ICG COMMUNICATIONS INC         COMMON STOCK     449246107       29      800 SH       DEFINED                 800        0        0
ICOS CORP                      COMMON STOCK     449295104        4      100 SH       DEFINED                 100        0        0
ICOS CORP                      COMMON STOCK     449295104       36     1000 SH       OTHER                  1000        0        0
IKON OFFICE SOLUTIONS INC      COMMON STOCK     451713101        6     1000 SH       DEFINED                1000        0        0
ILLINOIS TOOL WORKS            COMMON STOCK     452308109       62     1118 SH       DEFINED                1118        0        0
IMATRON INC                    COMMON STOCK     452906100        2      500 SH       DEFINED                 500        0        0
IMMUNOMEDICS INC               COMMON STOCK     452907108       16      625 SH       DEFINED                 625        0        0
IMS HEALTH INC                 COMMON STOCK     449934108      983    58049 SH       DEFINED               58049        0        0
IMS HEALTH INC                 COMMON STOCK     449934108      218    12899 SH       OTHER                 12899        0        0
INDIANA ENERGY INC             COMMON STOCK     454707100      141     7245 SH       DEFINED                6313        0      932
INTEL CORP                     COMMON STOCK     458140100    27741   210257 SH       DEFINED              209957        0      300
INTEL CORP                     COMMON STOCK     458140100     3629    27502 SH       OTHER                 26702        0      800
INTERCONTINENTAL LIFE CORP     COMMON STOCK     458593100       15     1500 SH       DEFINED                   0        0     1500
INTERNATIONAL BUSINESS MACHS C COMMON STOCK     459200101     4170    35336 SH       DEFINED               34736        0      600
INTERNATIONAL BUSINESS MACHS C COMMON STOCK     459200101      549     4650 SH       OTHER                  4650        0        0
INTERNATIONAL PAPER CO         COMMON STOCK     460146103    20511   479790 SH       DEFINED              208251        0   271539
INTERNET CAP GROUP INC         COMMON STOCK     46059C106       25      275 SH       OTHER                   275        0        0
INTERPUBLIC GROUP COS INC      COMMON STOCK     460690100     7544   159664 SH       DEFINED              159064        0      600
INTERPUBLIC GROUP COS INC      COMMON STOCK     460690100     1427    30206 SH       OTHER                 30206        0        0
INTL SPEEDWAY CORP CL A        COMMON STOCK     460335201       28      612 SH       DEFINED                 612        0        0
INTUIT INC                     COMMON STOCK     461202103        1       20 SH       DEFINED                  20        0        0
IPALCO ENTERPRISES             COMMON STOCK     462613100     2127   109100 SH       DEFINED              107060        0     2040
IPALCO ENTERPRISES             COMMON STOCK     462613100      365    18704 SH       OTHER                 18704        0        0
ITT INDS INC                   COMMON STOCK     450911102        3      100 SH       OTHER                   100        0        0
IVILLAGE INC                   COMMON STOCK     46588H105       10      650 SH       DEFINED                 650        0        0
I2 TECHNOLOGIES INC            COMMON STOCK     465754109       54      440 SH       DEFINED                 440        0        0
I2 TECHNOLOGIES INC            COMMON STOCK     465754109        6       50 SH       OTHER                    50        0        0
JACOBS ENGR GROUP INC          COMMON STOCK     469814107       48     1515 SH       DEFINED                1515        0        0
JB OXFORD HLDGS INC            COMMON STOCK     466107109        3      500 SH       DEFINED                 500        0        0
JDS UNIPHASE CORP COM          COMMON STOCK     46612J101      296     2456 SH       DEFINED                1456        0     1000
JDS UNIPHASE CORP COM          COMMON STOCK     46612J101        8       70 SH       OTHER                    70        0        0
JOHN HANCOCK INVESTORS TRUST   COMMON STOCK     410142103        3      200 SH       DEFINED                 200        0        0
JOHNSON & JOHNSON              COMMON STOCK     478160104     7081   100801 SH       DEFINED               99901        0      900
JOHNSON & JOHNSON              COMMON STOCK     478160104     2742    39033 SH       OTHER                 39033        0        0
JOHNSON CTLS INC               COMMON STOCK     478366107      190     3509 SH       DEFINED                3374        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       67     2300 SH       DEFINED                2300        0        0
KELLOGG CO                     COMMON STOCK     487836108       17      660 SH       DEFINED                 660        0        0
KEYCORP                        COMMON STOCK     493267108      317    16700 SH       DEFINED               16700        0        0
KIMBALL INT'L INC CL B         COMMON STOCK     494274103      713    64810 SH       DEFINED               33226        0    31584
KIMBALL INT'L INC CL B         COMMON STOCK     494274103      215    19508 SH       OTHER                 19508        0        0
KIMBERLY CLARK CORP            COMMON STOCK     494368103      355     6336 SH       DEFINED                6136        0      200
KIMBERLY CLARK CORP            COMMON STOCK     494368103       49      875 SH       OTHER                   875        0        0
KNIGHT RIDDER INC              COMMON STOCK     499040103        6      111 SH       DEFINED                 111        0        0
KOHLS CORP                     COMMON STOCK     500255104    11397   111194 SH       DEFINED              109994        0     1200
KOHLS CORP                     COMMON STOCK     500255104     3158    30810 SH       OTHER                 30810        0        0
KROGER CO                      COMMON STOCK     501044101       35     1970 SH       DEFINED                1970        0        0
LANDEC CORP                    COMMON STOCK     514766104        7     1000 SH       DEFINED                1000        0        0
LANDS END INC                  COMMON STOCK     515086106       12      200 SH       DEFINED                 200        0        0
LENNOX INTL INC                COMMON STOCK     526107107        6      650 SH       DEFINED                 650        0        0
LG&E ENERGY                    COMMON STOCK     501917108     1171    51185 SH       DEFINED               51185        0        0
LG&E ENERGY                    COMMON STOCK     501917108       14      600 SH       OTHER                   600        0        0
LILLY ELI & CO                 COMMON STOCK     532457108     6878   109823 SH       DEFINED              106071      800     2952
LILLY ELI & CO                 COMMON STOCK     532457108     1651    26359 SH       OTHER                 26359        0        0
LINCOLN BANCORP                COMMON STOCK     532879103       15     1500 SH       DEFINED                1500        0        0
LINCOLN NATIONAL CORP.         COMMON STOCK     534187109        5      152 SH       DEFINED                 152        0        0
LINEAR TECHNOLOGY CORP         COMMON STOCK     535678106     4665    84821 SH       DEFINED               84821        0        0
LINEAR TECHNOLOGY CORP         COMMON STOCK     535678106     1049    19080 SH       OTHER                 19080        0        0
LSI LOGIC CORP                 COMMON STOCK     502161102        2       25 SH       DEFINED                  25        0        0
LUCENT TECHNOLOGIES INC        COMMON STOCK     549463107     7340   119839 SH       DEFINED              116875        0     2964
LUCENT TECHNOLOGIES INC        COMMON STOCK     549463107     1177    19215 SH       OTHER                 17325        0     1890
MAIL COM INC                   COMMON STOCK     560311102       17     1000 SH       DEFINED                1000        0        0
MALLINCKRODT INC               COMMON STOCK     561232109       23      810 SH       DEFINED                 810        0        0
MANOR CARE INC NEW             COMMON STOCK     564055101        2      120 SH       DEFINED                 120        0        0
MANULIFE FINL CORP             COMMON STOCK     56501R106       99     6725 SH       DEFINED                6725        0        0
MARKETSPAN CORP                COMMON STOCK     49337W100        4      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        4       36 SH       DEFINED                  36        0        0
MARSH & MCLENNAN CO INC        COMMON STOCK     571748102      116     1050 SH       OTHER                  1050        0        0
MARTHA STEWART LIVING OMNIMEDI COMMON STOCK     573083102        3      100 SH       DEFINED                 100        0        0
MATTEL                         COMMON STOCK     577081102       69     6583 SH       DEFINED                6583        0        0
MAY DEPT STORES CO             COMMON STOCK     577778103       65     2273 SH       DEFINED                2273        0        0
MAYTAG CORP                    COMMON STOCK     578592107       13      390 SH       DEFINED                 390        0        0
MBIA INC                       COMMON STOCK     55262C100     1681    32295 SH       DEFINED               32295        0        0
MBIA INC                       COMMON STOCK     55262C100      276     5306 SH       OTHER                  5306        0        0
MBNA CORP                      COMMON STOCK     55262L100      255    10017 SH       DEFINED               10017        0        0
MCDONALDS CORP                 COMMON STOCK     580135101     1297    34690 SH       DEFINED               34490        0      200
MCDONALDS CORP                 COMMON STOCK     580135101       92     2450 SH       OTHER                  2450        0        0
MCGRAW HILL COMPANIES INC      COMMON STOCK     580645109       43      940 SH       DEFINED                 940        0        0
MCGRAW HILL COMPANIES INC      COMMON STOCK     580645109       18      400 SH       OTHER                   400        0        0
MCI WORLDCOM INC               COMMON STOCK     55268B106     4144    91462 SH       DEFINED               90962        0      500
MCI WORLDCOM INC               COMMON STOCK     55268B106      694    15323 SH       OTHER                 14723        0      600
MCKESSON HBOC INC COM          COMMON STOCK     58155Q103       12      555 SH       DEFINED                 555        0        0
MCKESSON HBOC INC COM          COMMON STOCK     58155Q103       17      800 SH       OTHER                   800        0        0
MCLEODUSA INC                  COMMON STOCK     582266102      385     4534 SH       DEFINED                4534        0        0
MCLEODUSA INC                  COMMON STOCK     582266102        3       40 SH       OTHER                    40        0        0
MDU RESOURCES                  COMMON STOCK     552690109       49     2340 SH       DEFINED                2340        0        0
MEAD CORP                      COMMON STOCK     582834107       45     1284 SH       DEFINED                1284        0        0
MEDIAONE GROUP INC COM         COMMON STOCK     58440J104      390     4816 SH       DEFINED                4816        0        0
MEDIAONE GROUP INC COM         COMMON STOCK     58440J104       50      612 SH       OTHER                   612        0        0
MEDTRONIC INC                  COMMON STOCK     585055106     6101   118607 SH       DEFINED              118007        0      600
MEDTRONIC INC                  COMMON STOCK     585055106      872    16951 SH       OTHER                 16951        0        0
MELLON FINL CORP COM           COMMON STOCK     58551A108       71     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     5440    87568 SH       DEFINED               87153        0      415
MERCK & CO INC                 COMMON STOCK     589331107      517     8324 SH       OTHER                  7824        0      500
MERRILL LYNCH & CO INC         COMMON STOCK     590188108      414     3945 SH       DEFINED                3795        0      150
MERRILL LYNCH & CO INC         COMMON STOCK     590188108       16      150 SH       OTHER                   150        0        0
METROBANCORP                   COMMON STOCK     591913108        6     1050 SH       DEFINED                1050        0        0
METROMEDIA INTL GROUP INC      COMMON STOCK     591695101        0        4 SH       DEFINED                   4        0        0
MGIC INVESTMENT CORP           COMMON STOCK     552848103     1063    24375 SH       DEFINED               24175        0      200
MGIC INVESTMENT CORP           COMMON STOCK     552848103      211     4839 SH       OTHER                  4839        0        0
MIAMI COMPUTER SUPPLY CORP     COMMON STOCK     593261100        4      136 SH       DEFINED                 136        0        0
MICROSOFT CORP                 COMMON STOCK     594918104    21264   200133 SH       DEFINED              198943        0     1190
MICROSOFT CORP                 COMMON STOCK     594918104     6507    61244 SH       OTHER                 58444        0     2800
MICROSTRATEGY INC CL A         COMMON STOCK     594972101        9      100 SH       DEFINED                 100        0        0
MIDAS INC                      COMMON STOCK     595626102       63     2636 SH       DEFINED                2636        0        0
MIDAS INC                      COMMON STOCK     595626102        5      198 SH       OTHER                   198        0        0
MILLENNIUM PHARMACEUTICALS INC COMMON STOCK     599902103        8       62 SH       DEFINED                  62        0        0
MINNESOTA MNG & MFG CO         COMMON STOCK     604059105      701     7910 SH       DEFINED                7910        0        0
MINNESOTA MNG & MFG CO         COMMON STOCK     604059105      319     3600 SH       OTHER                  3600        0        0
MOLEX INC                      COMMON STOCK     608554101      229     3895 SH       DEFINED                3895        0        0
MONACO COACH CORP              COMMON STOCK     60886R103        3      150 SH       DEFINED                 150        0        0
MONSANTO CO                    COMMON STOCK     611662107     1008    19578 SH       DEFINED               19303        0      275
MONSANTO CO                    COMMON STOCK     611662107       50      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       19      582 SH       DEFINED                 295        0      287
MORGAN J P & CO INC            COMMON STOCK     616880100      203     1538 SH       DEFINED                1538        0        0
MORGAN J P & CO INC            COMMON STOCK     616880100      328     2489 SH       OTHER                  2489        0        0
MORGAN STANLEY DEAN WITTER & C COMMON STOCK     617446448      346     4172 SH       DEFINED                4172        0        0
MORGAN STANLEY DEAN WITTER & C COMMON STOCK     617446448        8       92 SH       OTHER                    92        0        0
MORGAN STANLEY DEAN WITTER INC COMMON STOCK     61745P874       12      800 SH       DEFINED                 800        0        0
MOTOROLA INC                   COMMON STOCK     620076109     1657    11347 SH       DEFINED               11347        0        0
MOTOROLA INC                   COMMON STOCK     620076109      165     1130 SH       OTHER                   930        0      200
MUELLER INDS INC               COMMON STOCK     624756102       17      564 SH       OTHER                   564        0        0
MUTUAL RISK MGMT LTD           COMMON STOCK     628351108       25     1225 SH       DEFINED                1225        0        0
MYLAN LABS INC                 COMMON STOCK     628530107      234     8500 SH       OTHER                  8500        0        0
NABISCO GROUP HLDG CORP COM    COMMON STOCK     62952P102       12     1024 SH       DEFINED                1024        0        0
NABISCO GROUP HLDG CORP COM    COMMON STOCK     62952P102       12     1000 SH       OTHER                  1000        0        0
NATIONAL CITY BANCSHARES INC   COMMON STOCK     635313109      948    50235 SH       DEFINED               47523        0     2712
NATIONAL CITY BANCSHARES INC   COMMON STOCK     635313109      464    24609 SH       OTHER                 24525        0       84
NATIONAL CITY CORP             COMMON STOCK     635405103      156     7568 SH       DEFINED                7120        0      448
NATIONAL FUEL GAS CO           COMMON STOCK     636180101      512    11500 SH       OTHER                 11500        0        0
NATIONAL SEMICONDUCTOR CORP    COMMON STOCK     637640103       30      500 SH       DEFINED                 500        0        0
NATIONWIDE FINL SVCS INC       COMMON STOCK     638612101       35     1200 SH       DEFINED                1200        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
NETWORK APPLIANCE INC          COMMON STOCK     64120L104       17      200 SH       DEFINED                 200        0        0
NETWORKS ASSOC INC             COMMON STOCK     640938106      185     5750 SH       DEFINED                5750        0        0
NEW CENTY ENERGIES INC         COMMON STOCK     64352U103        6      190 SH       DEFINED                 190        0        0
NEW PLAN EXCEL RLTY TR INC     COMMON STOCK     648053106       14     1000 SH       DEFINED                1000        0        0
NEWELL RUBBERMAID CO           COMMON STOCK     651229106      207     8350 SH       DEFINED                8350        0        0
NEWELL RUBBERMAID CO           COMMON STOCK     651229106        7      300 SH       OTHER                   300        0        0
NEWMONT MNG CORP               COMMON STOCK     651639106        3      136 SH       DEFINED                 136        0        0
NEXTEL COMMUNICATIONS INC      COMMON STOCK     65332V103     1556    10493 SH       DEFINED               10378        0      115
NEXTEL COMMUNICATIONS INC      COMMON STOCK     65332V103       31      207 SH       OTHER                   207        0        0
NIKE INC CLASS B               COMMON STOCK     654106103       58     1475 SH       DEFINED                1475        0        0
NISOURCE INC COM               COMMON STOCK     65473P105      228    13495 SH       DEFINED               13315        0      180
NISOURCE INC COM               COMMON STOCK     65473P105        1       80 SH       OTHER                    80        0        0
NOBLE AFFILIATES INC           COMMON STOCK     654894104      252     7692 SH       DEFINED                7692        0        0
NOBLE AFFILIATES INC           COMMON STOCK     654894104       75     2300 SH       OTHER                  2300        0        0
NOKIA CORP                     COMMON STOCK     654902204     1152     5190 SH       DEFINED                5190        0        0
NOKIA CORP                     COMMON STOCK     654902204       89      400 SH       OTHER                   400        0        0
NORFOLK SOUTHERN CORP          COMMON STOCK     655844108      129     9026 SH       DEFINED                8010        0     1016
NORTEL NETWORKS CORP           COMMON STOCK     656569100       25      200 SH       DEFINED                 200        0        0
NORTEL NETWORKS CORP           COMMON STOCK     656569100      149     1180 SH       OTHER                  1080        0      100
NORTH FORK BANCORPORATION INC  COMMON STOCK     659424105        7      400 SH       DEFINED                 400        0        0
NORTHERN STATES POWER CO       COMMON STOCK     665772109       25     1240 SH       OTHER                  1240        0        0
NORTHERN TRUST CORPORATION     COMMON STOCK     665859104     2550    37750 SH       DEFINED               37090        0      660
NORTHWEST NAT GAS CO           COMMON STOCK     667655104        1       32 SH       OTHER                    32        0        0
NOVELL INC                     COMMON STOCK     670006105        9      325 SH       DEFINED                 325        0        0
NOVELLUS SYS INC               COMMON STOCK     670008101        8      150 SH       DEFINED                 150        0        0
NUCOR CORP                     COMMON STOCK     670346105       18      367 SH       DEFINED                 367        0        0
NUCOR CORP                     COMMON STOCK     670346105        5      100 SH       OTHER                   100        0        0
OCCIDENTAL PETE CORP           COMMON STOCK     674599105       21     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    91681  2772958 SH       DEFINED               21721        0  2751237
OLD NATIONAL BANCORP           COMMON STOCK     680033107    88747  2684234 SH       OTHER                114740        0  2569494
OLD REPUBLIC INTERNATIONAL COR COMMON STOCK     680223104       34     2437 SH       DEFINED                2437        0        0
OMNICOM GROUP INC              COMMON STOCK     681919106        7       80 SH       DEFINED                  80        0        0
ON2 COM INC                    COMMON STOCK     68338A107        3      200 SH       DEFINED                 200        0        0
ORACLE CORPORATION             COMMON STOCK     68389X105     1563    20023 SH       DEFINED               20023        0        0
ORACLE CORPORATION             COMMON STOCK     68389X105      141     1809 SH       OTHER                   909        0      900
ORTHOLOGIC CORP                COMMON STOCK     68750J107        9     1500 SH       OTHER                  1500        0        0
OSHKOSH TRUCK CORP             COMMON STOCK     688239201        4      138 SH       DEFINED                 138        0        0
OWENS CORNING                  COMMON STOCK     69073F103       19     1000 SH       DEFINED                1000        0        0
OXIGENE INC                    COMMON STOCK     691828107        6      300 SH       DEFINED                 300        0        0
PACTIV CORP                    COMMON STOCK     695257105        2      200 SH       DEFINED                 200        0        0
PACTIV CORP                    COMMON STOCK     695257105        8      883 SH       OTHER                   782        0      101
PALL CORP                      COMMON STOCK     696429307       15      686 SH       DEFINED                 686        0        0
PAPA JOHNS INTL INC            COMMON STOCK     698813102        8      240 SH       DEFINED                 240        0        0
PARAMETRIC TECH CORP           COMMON STOCK     699173100       30     1402 SH       DEFINED                1402        0        0
PARK PL ENTMT CORP COM         COMMON STOCK     700690100       19     1600 SH       DEFINED                1600        0        0
PARKER HANNIFIN CORP           COMMON STOCK     701094104       10      240 SH       DEFINED                 240        0        0
PE CORP CELERA GENOMICS GRP    COMMON STOCK     69332S201        8       83 SH       DEFINED                  83        0        0
PECO ENERGY CO                 COMMON STOCK     693304107        6      160 SH       DEFINED                 160        0        0
PENNEY J C INC                 COMMON STOCK     708160106       46     3075 SH       DEFINED                3075        0        0
PENNEY J C INC                 COMMON STOCK     708160106        9      600 SH       OTHER                   600        0        0
PEOPLES BANCORP/AUBURN IN      COMMON STOCK     709788103       19     1350 SH       DEFINED                1350        0        0
PEOPLES BK BRIDGEPORT CONN     COMMON STOCK     710198102        3      150 SH       DEFINED                 150        0        0
PEOPLESOFT INC                 COMMON STOCK     712713106        8      400 SH       DEFINED                 400        0        0
PEPSICO INC                    COMMON STOCK     713448108     4838   138717 SH       DEFINED              138592        0      125
PEPSICO INC                    COMMON STOCK     713448108     1079    30944 SH       OTHER                 30944        0        0
PERMANENT BANCORP INC          COMMON STOCK     714197100      297    16300 SH       DEFINED               14800        0     1500
PERMANENT BANCORP INC          COMMON STOCK     714197100       88     4800 SH       OTHER                  4800        0        0
PEROT SYS CORP                 COMMON STOCK     714265105        6      300 SH       DEFINED                 300        0        0
PFIZER INC                     COMMON STOCK     717081103     9461   258773 SH       DEFINED              256598        0     2175
PFIZER INC                     COMMON STOCK     717081103     1465    40071 SH       OTHER                 38271        0     1800
PG& E CORP                     COMMON STOCK     69331C108        8      400 SH       DEFINED                 400        0        0
PG& E CORP                     COMMON STOCK     69331C108        4      200 SH       OTHER                     0        0      200
PHELPS DODGE CORP              COMMON STOCK     717265102        1       16 SH       DEFINED                  16        0        0
PHELPS DODGE CORP              COMMON STOCK     717265102        1       17 SH       OTHER                     0        0       17
PHILADELPHIA SUBN CORP         COMMON STOCK     718009608        5      286 SH       DEFINED                 286        0        0
PHILIP MORRIS INC              COMMON STOCK     718154107     2016    95416 SH       DEFINED               94816        0      600
PHILIP MORRIS INC              COMMON STOCK     718154107      911    43133 SH       OTHER                 43133        0        0
PHILLIPS PETROLEUM CO          COMMON STOCK     718507106      121     2608 SH       DEFINED                2608        0        0
PHOSPHATE RESOURCE PARTNERS LT COMMON STOCK     719217101        1      100 SH       DEFINED                 100        0        0
PILGRIMS PRIDE CORP            COMMON STOCK     721467108        1      180 SH       DEFINED                 180        0        0
PILGRIMS PRIDE CORP            COMMON STOCK     721467207        0       90 SH       DEFINED                  90        0        0
PITNEY-BOWES INC               COMMON STOCK     724479100      159     3550 SH       DEFINED                3550        0        0
PITNEY-BOWES INC               COMMON STOCK     724479100      492    11000 SH       OTHER                 11000        0        0
PLUM CREEK TIMBER CO INC       COMMON STOCK     729251108       25     1000 SH       DEFINED                1000        0        0
PMC-SIERRA INC                 COMMON STOCK     69344F106       20      100 SH       DEFINED                 100        0        0
PNC FINANCIAL CORP             COMMON STOCK     693475105      123     2735 SH       DEFINED                2385        0      350
PNC FINANCIAL CORP             COMMON STOCK     693475105       14      300 SH       OTHER                   300        0        0
POLARIS INDS INC               COMMON STOCK     731068102        6      200 SH       DEFINED                 200        0        0
POTASH CORP SASK INC           COMMON STOCK     73755L107       62     1248 SH       DEFINED                1248        0        0
POTASH CORP SASK INC           COMMON STOCK     73755L107      158     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      420     8021 SH       DEFINED                8021        0        0
PPG INDS INC                   COMMON STOCK     693506107      157     3000 SH       OTHER                  3000        0        0
PRAXAIR INC                    COMMON STOCK     74005P104       33      804 SH       DEFINED                 804        0        0
PROCTER & GAMBLE CO            COMMON STOCK     742718109     1296    22933 SH       DEFINED               22813        0      120
PROCTER & GAMBLE CO            COMMON STOCK     742718109      140     2485 SH       OTHER                  2485        0        0
PROGRESSIVE CORP               COMMON STOCK     743315103      838    11012 SH       DEFINED               10942        0       70
PROGRESSIVE CORP               COMMON STOCK     743315103      407     5350 SH       OTHER                  5350        0        0
PROVIDIAN FINL CORP            COMMON STOCK     74406A102      318     3675 SH       DEFINED                3675        0        0
PROVIDIAN FINL CORP            COMMON STOCK     74406A102      468     5400 SH       OTHER                  5400        0        0
PROXICOM INC                   COMMON STOCK     744282104        9      200 SH       DEFINED                 200        0        0
PUBLIC SERVICE ENTERPRISE GP   COMMON STOCK     744573106       28      950 SH       DEFINED                 950        0        0
PUGET SOUND ENERGY INC         COMMON STOCK     745332106        2      100 SH       DEFINED                 100        0        0
PUGET SOUND ENERGY INC         COMMON STOCK     745332106        3      129 SH       OTHER                   129        0        0
QLOGIC CORP                    COMMON STOCK     747277101       27      200 SH       DEFINED                 200        0        0
QUAKER OATS CO                 COMMON STOCK     747402105      420     6923 SH       DEFINED                6923        0        0
QUALCOMM INC                   COMMON STOCK     747525103      240     1608 SH       DEFINED                1508        0      100
QUALCOMM INC                   COMMON STOCK     747525103       90      600 SH       OTHER                     0        0      600
QWEST COMMUNICATIONS INTL INC  COMMON STOCK     749121109     2116    44088 SH       DEFINED               43838        0      250
QWEST COMMUNICATIONS INTL INC  COMMON STOCK     749121109      333     6941 SH       OTHER                  6941        0        0
R & B FALCON CORP              COMMON STOCK     74912E101       23     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
RAYONIER INC                   COMMON STOCK     754907103        1       24 SH       OTHER                    24        0        0
RAYTHEON CO CL A               COMMON STOCK     755111309        1       42 SH       DEFINED                  42        0        0
RAYTHEON CO CL B               COMMON STOCK     755111408      119     6680 SH       DEFINED                6680        0        0
RAYTHEON CO CL B               COMMON STOCK     755111408        9      500 SH       OTHER                   500        0        0
REALNETWORKS INC               COMMON STOCK     75605L104       11      200 SH       DEFINED                 200        0        0
RED HAT INC                    COMMON STOCK     756577102        4       90 SH       DEFINED                  90        0        0
REDBACK NETWORKS INC           COMMON STOCK     757209101       15       50 SH       DEFINED                  50        0        0
RELIABILITY INC                COMMON STOCK     759903107        2      300 SH       DEFINED                   0        0      300
RELIANT ENERGY INC             COMMON STOCK     75952J108       57     2427 SH       DEFINED                2427        0        0
RELIANT ENERGY INC             COMMON STOCK     75952J108      137     5824 SH       OTHER                  5824        0        0
RES-CARE INC                   COMMON STOCK     760943100        2      225 SH       DEFINED                 225        0        0
REYNOLDS & REYNOLDS CO CL A    COMMON STOCK     761695105       28     1026 SH       DEFINED                1026        0        0
REYNOLDS & REYNOLDS CO CL A    COMMON STOCK     761695105       61     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       23      170 SH       DEFINED                 170        0        0
RIVER VY BANCORP               COMMON STOCK     768475105        6      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
ROCKWELL INTL CORP NEW         COMMON STOCK     773903109       60     1431 SH       DEFINED                1431        0        0
ROHM & HAAS CO                 COMMON STOCK     775371107      135     3031 SH       DEFINED                3031        0        0
ROHM & HAAS CO                 COMMON STOCK     775371107        5      110 SH       OTHER                   110        0        0
ROPER INDS INC                 COMMON STOCK     776696106      350    10318 SH       DEFINED               10318        0        0
ROPER INDS INC                 COMMON STOCK     776696106      138     4070 SH       OTHER                  4070        0        0
ROYAL DUTCH PETE CO            COMMON STOCK     780257804     1517    26240 SH       DEFINED               24640        0     1600
ROYAL DUTCH PETE CO            COMMON STOCK     780257804       69     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       22     4167 SH       OTHER                  4167        0        0
SAFESCIENCE INC                COMMON STOCK     786452102        3      200 SH       DEFINED                 200        0        0
SALTON INC                     COMMON STOCK     795757103        7      150 SH       DEFINED                 150        0        0
SANMINA CORP                   COMMON STOCK     800907107     2591    38355 SH       DEFINED               38155        0      200
SANMINA CORP                   COMMON STOCK     800907107      524     7762 SH       OTHER                  7762        0        0
SARA LEE CORP                  COMMON STOCK     803111103      788    43798 SH       DEFINED               43398        0      400
SARA LEE CORP                  COMMON STOCK     803111103       29     1600 SH       OTHER                  1600        0        0
SBC COMMUNICATIONS INC         COMMON STOCK     78387G103     7460   177087 SH       DEFINED              177087        0        0
SBC COMMUNICATIONS INC         COMMON STOCK     78387G103     3291    78130 SH       OTHER                 76740        0     1390
SCANA CORP NEW                 COMMON STOCK     80589M102        4      172 SH       DEFINED                 172        0        0
SCHERING PLOUGH CORP           COMMON STOCK     806605101     2048    55156 SH       DEFINED               55156        0        0
SCHERING PLOUGH CORP           COMMON STOCK     806605101      401    10806 SH       OTHER                 10806        0        0
SCHLUMBERGER LTD               COMMON STOCK     806857108      735     9604 SH       DEFINED                9544        0       60
SCHLUMBERGER LTD               COMMON STOCK     806857108       80     1050 SH       OTHER                  1050        0        0
SCHULMAN A INC                 COMMON STOCK     808194104       17     1266 SH       DEFINED                1266        0        0
SCHWAB CHARLES CORP            COMMON STOCK     808513105      322     5660 SH       DEFINED                5660        0        0
SCI SYS INC                    COMMON STOCK     783890106      520     9670 SH       DEFINED                9670        0        0
SCI SYS INC                    COMMON STOCK     783890106       10      180 SH       OTHER                   180        0        0
SCIOS INC                      COMMON STOCK     808905103        0       78 SH       DEFINED                  78        0        0
SCOTTISH PWR PLC               COMMON STOCK     81013T705       72     2277 SH       DEFINED                2277        0        0
SCOTTISH PWR PLC               COMMON STOCK     81013T705        2       58 SH       OTHER                    58        0        0
SEAGATE TECHNOLOGY             COMMON STOCK     811804103       98     1580 SH       DEFINED                1580        0        0
SEARS ROEBUCK & CO             COMMON STOCK     812387108      134     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       13      800 SH       OTHER                   800        0        0
SERVICE CORP INTL              COMMON STOCK     817565104        2      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      172     7764 SH       DEFINED                7764        0        0
SIEBEL SYS INC                 COMMON STOCK     826170102     3938    32975 SH       DEFINED               32975        0        0
SIEBEL SYS INC                 COMMON STOCK     826170102     2020    16915 SH       OTHER                 16915        0        0
SIERRA PAC RES NEW             COMMON STOCK     826428104       31     2500 SH       DEFINED                2500        0        0
SIGCORP INC                    COMMON STOCK     826912107     6721   263566 SH       DEFINED              263566        0        0
SIGCORP INC                    COMMON STOCK     826912107     1533    60108 SH       OTHER                 59309        0      799
SIGMA ALDRICH CORP             COMMON STOCK     826552101      194     7213 SH       DEFINED                7213        0        0
SIGMA ALDRICH CORP             COMMON STOCK     826552101      211     7850 SH       OTHER                  7850        0        0
SILICON GRAPHICS INC           COMMON STOCK     827056102       16     1482 SH       DEFINED                1482        0        0
SILICONIX INC                  COMMON STOCK     827079203      496     5214 SH       DEFINED                5214        0        0
SIMON PPTY GROUP INC NEW       COMMON STOCK     828806109       26     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       35     1050 SH       OTHER                  1050        0        0
SMITHKLINE BEECHAM PLC AMERICA COMMON STOCK     832378301      352     5334 SH       DEFINED                5334        0        0
SMITHKLINE BEECHAM PLC AMERICA COMMON STOCK     832378301      146     2206 SH       OTHER                  2206        0        0
SNAP-ON INC                    COMMON STOCK     833034101       84     3200 SH       OTHER                  3200        0        0
SNYDER COMMUNICATIONS INC      COMMON STOCK     832914105       23     1030 SH       DEFINED                1030        0        0
SODEXHO MARRIOTT SVCS INC      COMMON STOCK     833793102        1       50 SH       DEFINED                  50        0        0
SOLECTRON CORP                 COMMON STOCK     834182107     5012   124921 SH       DEFINED              123921        0     1000
SOLECTRON CORP                 COMMON STOCK     834182107     1170    29150 SH       OTHER                 29150        0        0
SOLUTIA INC                    COMMON STOCK     834376105       23     1701 SH       DEFINED                1595        0      106
SOMERSET GROUP INC             COMMON STOCK     834706103       87     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       73      261 SH       DEFINED                 261        0        0
SOUTHERN CO                    COMMON STOCK     842587107      231    10636 SH       DEFINED               10636        0        0
SOUTHERN CO                    COMMON STOCK     842587107      122     5632 SH       OTHER                  5132        0      500
SOUTHTRUST CORP                COMMON STOCK     844730101      133     5240 SH       DEFINED                5240        0        0
SOUTHWEST AIRLINES             COMMON STOCK     844741108       16      777 SH       DEFINED                 777        0        0
SOUTHWEST GAS CORP             COMMON STOCK     844895102        9      475 SH       DEFINED                 475        0        0
SPEEDUS.COM                    COMMON STOCK     847723103        1       55 SH       DEFINED                  55        0        0
SPEEDWAY MOTORSPORTS INC       COMMON STOCK     847788106        7      300 SH       DEFINED                 300        0        0
SPIEGEL INC                    COMMON STOCK     848457107        3      425 SH       DEFINED                 425        0        0
SPRINT CORP                    COMMON STOCK     852061100      163     2578 SH       DEFINED                2578        0        0
SPRINT CORP                    COMMON STOCK     852061100      171     2700 SH       OTHER                  2700        0        0
SPRINT CORP PCS COM SER 1      COMMON STOCK     852061506      946    14445 SH       DEFINED               14445        0        0
SPRINT CORP PCS COM SER 1      COMMON STOCK     852061506       90     1369 SH       OTHER                  1369        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     2648   132387 SH       DEFINED              132387        0        0
STAPLES INC RETAIL & DELIVERY  COMMON STOCK     855030102      512    25602 SH       OTHER                 25602        0        0
STARBUCKS CORP                 COMMON STOCK     855244109       35      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     8851    91364 SH       DEFINED               91064        0      300
STATE STR CORP                 COMMON STOCK     857477103     2529    26105 SH       OTHER                 26105        0        0
SUMMIT BANCORP                 COMMON STOCK     866005101       13      500 SH       DEFINED                 500        0        0
SUN MICROSYSTEMS INC           COMMON STOCK     866810104     7873    84025 SH       DEFINED               83625        0      400
SUN MICROSYSTEMS INC           COMMON STOCK     866810104     3476    37100 SH       OTHER                 36300        0      800
SUNOCO INC                     COMMON STOCK     86764P109       23      834 SH       OTHER                   834        0        0
SUNTRUST BKS INC COM           COMMON STOCK     867914103        6      100 SH       DEFINED                 100        0        0
SUPERIOR INDS INTL INC         COMMON STOCK     868168105        7      211 SH       DEFINED                 211        0        0
SYLVAN LEARNING SYS INC        COMMON STOCK     871399101      122     7651 SH       DEFINED                7651        0        0
SYNCOR INTL CORP               COMMON STOCK     87157J106        4      110 SH       DEFINED                 110        0        0
SYNOPSYS INC                   COMMON STOCK     871607107        9      184 SH       DEFINED                 184        0        0
SYNTROLEUM CORP                COMMON STOCK     871630109        7      300 SH       DEFINED                 300        0        0
SYSCO CORP                     COMMON STOCK     871829107      715    19802 SH       DEFINED               19802        0        0
SYSCO CORP                     COMMON STOCK     871829107      395    10923 SH       OTHER                 10923        0        0
T ROWE PRICE ASSOC INC         COMMON STOCK     741477103      520    13155 SH       DEFINED               13155        0        0
TARGET CORP                    COMMON STOCK     87612E106      170     2270 SH       DEFINED                2270        0        0
TECO ENERGY INC                COMMON STOCK     872375100       31     1600 SH       OTHER                  1600        0        0
TELE NORTE LESTE PARTICIPACOES COMMON STOCK     879246106       11      400 SH       DEFINED                 400        0        0
TELECOMUNICACOES DE SAO PAULO  COMMON STOCK     87929A102       12      400 SH       DEFINED                 400        0        0
TELESP CELULAR PARTICIPACOES S COMMON STOCK     87952L108        9      160 SH       DEFINED                 160        0        0
TELLABS INC                    COMMON STOCK     879664100     2399    38084 SH       DEFINED               37784        0      300
TELLABS INC                    COMMON STOCK     879664100      654    10387 SH       OTHER                  7987        0     2400
TENNECO AUTOMOTIVE INC         COMMON STOCK     880349105        0       40 SH       DEFINED                  40        0        0
TENNECO AUTOMOTIVE INC         COMMON STOCK     880349105        1      176 SH       OTHER                   156        0       20
TERADYNE INC                   COMMON STOCK     880770102      164     2000 SH       DEFINED                2000        0        0
TEXACO INC                     COMMON STOCK     881694103     1591    29597 SH       DEFINED               29497        0      100
TEXACO INC                     COMMON STOCK     881694103      968    18014 SH       OTHER                 18014        0        0
TEXAS INSTRS INC               COMMON STOCK     882508104      608     3800 SH       DEFINED                3800        0        0
TEXAS INSTRS INC               COMMON STOCK     882508104       97      605 SH       OTHER                   605        0        0
TEXAS UTILITIES CO             COMMON STOCK     882848104       82     2775 SH       DEFINED                2775        0        0
TEXAS UTILITIES CO             COMMON STOCK     882848104       30     1000 SH       OTHER                  1000        0        0
THEGLOBE COM INC               COMMON STOCK     88335R101        1      200 SH       DEFINED                 200        0        0
THERMO ELECTRON CORP           COMMON STOCK     883556102       28     1350 SH       DEFINED                1350        0        0
THOMAS & BETTS CORP            COMMON STOCK     884315102       50     1760 SH       DEFINED                1760        0        0
TIME WARNER                    COMMON STOCK     887315109      579     5787 SH       DEFINED                5787        0        0
TIME WARNER                    COMMON STOCK     887315109      235     2350 SH       OTHER                  2350        0        0
TJX CO INC                     COMMON STOCK     872540109       63     2860 SH       OTHER                  2860        0        0
TOMMY HILFIGER CORP            COMMON STOCK     G8915Z102       22     1500 SH       DEFINED                1500        0        0
TOMMY HILFIGER CORP            COMMON STOCK     G8915Z102       12      800 SH       OTHER                   800        0        0
TOPPS COMPANY                  COMMON STOCK     890786106        6      700 SH       DEFINED                 700        0        0
TOYS R US INC                  COMMON STOCK     892335100       21     1394 SH       DEFINED                1394        0        0
TRANSOCEAN SEDCO FOREX INC     COMMON STOCK     G90078109      441     8588 SH       DEFINED                8388        0      200
TRANSOCEAN SEDCO FOREX INC     COMMON STOCK     G90078109       10      203 SH       OTHER                   203        0        0
TRI-CONTINENTAL CORP           COMMON STOCK     895436103       21      806 SH       DEFINED                 806        0        0
TRI-CONTINENTAL CORP           COMMON STOCK     895436103      104     4070 SH       OTHER                  4070        0        0
TRICOM SA ADR                  COMMON STOCK     89612A100        5      200 SH       DEFINED                 200        0        0
TRICON GLOBAL RESTAURANTS INC  COMMON STOCK     895953107       20      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        7      450 SH       DEFINED                 450        0        0
TUPPERWARE CORP                COMMON STOCK     899896104        6      400 SH       OTHER                   400        0        0
TYCO INTERNATIONAL LTD         COMMON STOCK     902124106      301     6008 SH       DEFINED                6008        0        0
U S WEST INC                   COMMON STOCK     91273H101      439     6050 SH       DEFINED                5950        0      100
U S WEST INC                   COMMON STOCK     91273H101      228     3138 SH       OTHER                  3138        0        0
U S X MARATHON-GROUP           COMMON STOCK     902905827       39     1500 SH       DEFINED                1000        0      500
U S X MARATHON-GROUP           COMMON STOCK     902905827       91     3500 SH       OTHER                  3500        0        0
UAL CORP                       COMMON STOCK     902549500       18      300 SH       DEFINED                 300        0        0
UAL CORP                       COMMON STOCK     902549500        3       50 SH       OTHER                     0        0       50
UBID INC                       COMMON STOCK     903469104        2       67 SH       DEFINED                  67        0        0
UNICOM CORP                    COMMON STOCK     904911104       19      510 SH       DEFINED                 510        0        0
UNICOM CORP                    COMMON STOCK     904911104       51     1400 SH       OTHER                  1400        0        0
UNILEVER N V NY SHS            COMMON STOCK     904784709       94     1963 SH       DEFINED                1963        0        0
UNION CARBIDE CORP             COMMON STOCK     905581104        9      154 SH       DEFINED                 154        0        0
UNION PACIFIC CORP             COMMON STOCK     907818108      113     2900 SH       DEFINED                2900        0        0
UNION PACIFIC CORP             COMMON STOCK     907818108      116     2955 SH       OTHER                  2955        0        0
UNION PACIFIC RESOURCE         COMMON STOCK     907834105       28     1904 SH       DEFINED                1904        0        0
UNION PLANTERS CORP            COMMON STOCK     908068109      328    10636 SH       DEFINED               10636        0        0
UNION PLANTERS CORP            COMMON STOCK     908068109      155     5040 SH       OTHER                  2016        0     3024
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       15      600 SH       OTHER                   600        0        0
UNITED HEALTHCARE CORP         COMMON STOCK     910581107        4       70 SH       DEFINED                  70        0        0
UNITED PARCEL SERVICE CL B     COMMON STOCK     911312106       83     1315 SH       DEFINED                1115        0      200
UNITED PARCEL SERVICE CL B     COMMON STOCK     911312106        5       75 SH       OTHER                    75        0        0
UNITED TECHNOLOGIES CORP       COMMON STOCK     913017109     8689   137519 SH       DEFINED              135619      960      940
UNITED TECHNOLOGIES CORP       COMMON STOCK     913017109     2279    36074 SH       OTHER                 36074        0        0
UNOCAL CORP                    COMMON STOCK     915289102        6      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       95     4363 SH       DEFINED                4363        0        0
UST INC                        COMMON STOCK     902911106       12      788 SH       DEFINED                 788        0        0
UTILICORP UNITED INC           COMMON STOCK     918005109       20     1125 SH       DEFINED                1125        0        0
VALENCE TECHNOLOGY INC         COMMON STOCK     918914102        6      250 SH       DEFINED                 250        0        0
VALLEY NATL BANCORP            COMMON STOCK     919794107       11      420 SH       DEFINED                 420        0        0
VERITAS SOFTWARE CORP          COMMON STOCK     923436109       11       82 SH       DEFINED                  82        0        0
VIACOM INC CLASS A             COMMON STOCK     925524100       40      750 SH       DEFINED                 750        0        0
VIACOM INC CLASS B             COMMON STOCK     925524308      122     2320 SH       DEFINED                2320        0        0
VIACOM INC CLASS B             COMMON STOCK     925524308      532    10080 SH       OTHER                 10080        0        0
VIAD CORP                      COMMON STOCK     92552R109       11      483 SH       DEFINED                 483        0        0
VIGNETTE CORP                  COMMON STOCK     926734104        8       50 SH       DEFINED                  50        0        0
VLASIC FOODS INTL INC          COMMON STOCK     928559103        1      440 SH       DEFINED                 440        0        0
VODAFONE AIRTOUCH PLC          COMMON STOCK     92857T107      686    12346 SH       DEFINED               12346        0        0
VODAFONE AIRTOUCH PLC          COMMON STOCK     92857T107       32      580 SH       OTHER                   214        0      366
VULCAN MATLS CO                COMMON STOCK     929160109      440     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      192     7450 SH       DEFINED                7450        0        0
WALGREEN CO                    COMMON STOCK     931422109     1046    40621 SH       OTHER                 39021        0     1600
WALMART STORES INC             COMMON STOCK     931142103     1492    26414 SH       DEFINED               26214        0      200
WALMART STORES INC             COMMON STOCK     931142103      655    11600 SH       OTHER                 10600        0     1000
WARNER LAMBERT CO              COMMON STOCK     934488107     2133    21833 SH       DEFINED               21833        0        0
WARNER LAMBERT CO              COMMON STOCK     934488107       51      522 SH       OTHER                   522        0        0
WASHINGTON MUT INC             COMMON STOCK     939322103        7      255 SH       DEFINED                 255        0        0
WASHINGTON REAL ESTATE INVEST  COMMON STOCK     939653101       14      920 SH       DEFINED                 920        0        0
WASTE MANAGEMENT INC           COMMON STOCK     94106L109        1      100 SH       DEFINED                 100        0        0
WEINGARTEN RLTY INVS           COMMON STOCK     948741103        5      149 SH       DEFINED                 149        0        0
WELLS FARGO & CO NEW           COMMON STOCK     949746101      891    21862 SH       DEFINED               20362        0     1500
WELLS FARGO & CO NEW           COMMON STOCK     949746101       12      300 SH       OTHER                   300        0        0
WESTERN RES INC                COMMON STOCK     959425109       53     3350 SH       OTHER                  3350        0        0
WEYERHAEUSER                   COMMON STOCK     962166104       83     1460 SH       DEFINED                1460        0        0
WHIRLPOOL CORP                 COMMON STOCK     963320106     2110    35991 SH       DEFINED               35991        0        0
WHIRLPOOL CORP                 COMMON STOCK     963320106      475     8100 SH       OTHER                  8100        0        0
WHITMAN CORP NEW               COMMON STOCK     96647R107      220    15816 SH       DEFINED               15816        0        0
WHITMAN CORP NEW               COMMON STOCK     96647R107       22     1585 SH       OTHER                  1585        0        0
WILLIAMS COS INC               COMMON STOCK     969457100      175     3990 SH       DEFINED                3990        0        0
WINN-DIXIE STORES INC.         COMMON STOCK     974280109       26     1328 SH       DEFINED                1328        0        0
WINN-DIXIE STORES INC.         COMMON STOCK     974280109       52     2664 SH       OTHER                     0        0     2664
WISCONSIN ENERGY CORP          COMMON STOCK     976657106      256    12859 SH       DEFINED               12859        0        0
WISCONSIN ENERGY CORP          COMMON STOCK     976657106      102     5100 SH       OTHER                  5100        0        0
WRIGLEY (WM) JR                COMMON STOCK     982526105       24      311 SH       DEFINED                 311        0        0
WRIGLEY (WM) JR                COMMON STOCK     982526105      424     5525 SH       OTHER                     0        0     5525
XEROX CORP                     COMMON STOCK     984121103      669    25735 SH       DEFINED               24935        0      800
XEROX CORP                     COMMON STOCK     984121103      452    17373 SH       OTHER                 17373        0        0
XILINX INC                     COMMON STOCK     983919101      143     1730 SH       DEFINED                1730        0        0
XILINX INC                     COMMON STOCK     983919101       26      314 SH       OTHER                   314        0        0
YAHOO INC                      COMMON STOCK     984332106       77      450 SH       DEFINED                 450        0        0
YAHOO INC                      COMMON STOCK     984332106       60      350 SH       OTHER                   350        0        0
YPF SOCIEDAD ANONIMA ADR CL D  COMMON STOCK     984245100       18      500 SH       DEFINED                   0        0      500
ZIONS BANCORP                  COMMON STOCK     989701107       33      800 SH       OTHER                   800        0        0
3 COM CORP                     COMMON STOCK     885535104       25      450 SH       OTHER                   450        0        0
ADR HSBC PLC SPONSORED PFD     PREFERRED STOCK  44328M815       12      500 SH       DEFINED             N.A.     N.A.     N.A.
ATLANTIC RICHFIELD 2.80 CUM CO PREFERRED STOCK  048825400       26       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       14     5000 PRN      OTHER               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       46     5100 SH       OTHER               N.A.     N.A.     N.A.
CHARTWELL DIV & INC FD         OTHER            16139P104      105     9840 SH       DEFINED             N.A.     N.A.     N.A.
DEBT STRATEGIES FD INC         OTHER            242768109       23     3917 SH       DEFINED             N.A.     N.A.     N.A.
DUFF & PHELPS UTIL & CORP BD T OTHER            26432K108        6      571 SH       DEFINED             N.A.     N.A.     N.A.
FRANKLIN UNIVERSAL TRUST       OTHER            355145103       12     1869 SH       DEFINED             N.A.     N.A.     N.A.
MFS CHARTER INCOME TR          OTHER            552727109       13     1600 SH       DEFINED             N.A.     N.A.     N.A.
MFS GOVT MARKETS INCOME TR     OTHER            552939100       11     1850 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        9      540 SH       DEFINED             N.A.     N.A.     N.A.
ACM GOVT INCOME FD INC         OTHER            000912105       19     2700 SH       DEFINED                2700        0        0
DUFF & PHELPS UTIL INCOME INC  OTHER            264324104      111    12588 SH       DEFINED               12588        0        0
EQUITY INV UNIT 1ST EX AT&T SH OTHER            294700703      574     2915 SH       OTHER                  2915        0        0
FIRST AUSTRALIA PRIME INCOME F OTHER            318653102        2      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       42     3100 SH       DEFINED                3100        0        0
PUTNAM INV GRADE MUNI TR       OTHER            746805100       32     2762 SH       DEFINED                2762        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       15     1400 SH       DEFINED             N.A.     N.A.     N.A.
MANAGED MUNI PORTFOLIO INC     OTHER            561662107       23     2401 SH       DEFINED             N.A.     N.A.     N.A.
MFS MUNICIPAL INCOME FD A      OTHER            552738106       53     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       11      998 SH       DEFINED             N.A.     N.A.     N.A.
PUTNAM INVT GRADE MUN TR II    OTHER            746806108        7      600 SH       DEFINED             N.A.     N.A.     N.A.
SMITH BARNEY MUN FD INC        OTHER            831902101       64     5000 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STANLEY DEAN WITTER GOV OTHER            61745P106        0       15 SH       OTHER               N.A.     N.A.     N.A.
EOTT ENERGY PARTNERS L P       OTHER            294103106       75     5330 SH       DEFINED             N.A.     N.A.     N.A.
KINDER MORGAN ENERGY PARTNERS  OTHER            494550106        3       69 SH       DEFINED             N.A.     N.A.     N.A.
</TABLE>


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