UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: September 30, 1999
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: KAREN V. LANE
Address: 307 MAIN STREET
HYANNIS, MA 02601
13F File Number:
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: CAPE COD BANK AND TRUST CO
Title: TRUST SYSTEM OFFICER
Phone: 508-862-6487
Signature, Place, and Date Of Signing:
CAPE COD BANK AND TRUST CO HYANNIS MA September 30, 1999
Report Type (Check only one.):
[X] 13F HOLDINGS REPORT.
[ ] 13F NOTICE.
[ ] 13F COMBINATION REPORT.
List of Other Managers Reporting for this Manager:
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: 149
Form 13F Information Table Value Total: $264,215,806
List of Other Managers: NONE
<PAGE>
<TABLE>
<CAPTION>
13 F Report Of Managed Assets
Page 1
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Sh/
Investment Other Voting Authority
Name Of Issuer Type Cusip Market Value Shares/PV Prn
Discretion Managers Sole Shared None
================================================================================
====================================================
<S> <C> <C> <C> <C> <C>
<C> <C> <C>
AT&T CORP Com 001957109 4,257,606 97,876 SH
Sole 0 132,838 6,150 16,797
AT&T CORP Com 001957109 1,794,114 41,244 SH
Defined 0 0 0 0
AT&T CORP Com 001957109 724,928 16,665 SH
Other 0 0 0 0
ABBOTT LABORATORIES Com 002824100 1,391,190 37,920 SH
Sole 0 39,170 0 4,400
ABBOTT LABORATORIES Com 002824100 31,184 850 SH
Defined 0 0 0 0
ABBOTT LABORATORIES Com 002824100 176,100 4,800 SH
Other 0 0 0 0
AETNA INC COM STK Com 008117103 169,913 3,450 SH
Sole 0 3,800 0 300
AETNA INC COM STK Com 008117103 17,238 350 SH
Defined 0 0 0 0
AETNA INC COM STK Com 008117103 14,775 300 SH
Other 0 0 0 0
AIRBORNE FREIGHT CORPORAT Com 009266107 191,669 9,100 SH
Sole 0 9,900 0 0
AIRBORNE FREIGHT CORPORAT Com 009266107 16,850 800 SH
Defined 0 0 0 0
ALCOA INC Com 013817101 229,631 3,700 SH
Sole 0 4,200 0 0
ALCOA INC Com 013817101 31,031 500 SH
Defined 0 0 0 0
ALLSTATE CORP Com 020002101 758,773 30,427 SH
Sole 0 34,581 0 8,112
ALLSTATE CORP Com 020002101 50,773 2,036 SH
Defined 0 0 0 0
ALLSTATE CORP Com 020002101 255,111 10,230 SH
Other 0 0 0 0
AMERICA ONLINE INC DEL Com 02364J104 171,703 1,650 SH
Sole 0 2,610 0 200
AMERICA ONLINE INC DEL Com 02364J104 89,494 860 SH
Defined 0 0 0 0
AMERICA ONLINE INC DEL Com 02364J104 31,219 300 SH
Other 0 0 0 0
AMERICAN ELECTRIC POWER Com 025537101 140,936 4,130 SH
Sole 0 4,564 0 4,058
AMERICAN ELECTRIC POWER Com 025537101 6,825 200 SH
Defined 0 0 0 0
AMERICAN ELECTRIC POWER Com 025537101 146,465 4,292 SH
Other 0 0 0 0
AMER EXPRESS CO Com 025816109 508,950 3,770 SH
Sole 0 6,670 0 900
AMER EXPRESS CO Com 025816109 513,000 3,800 SH
Defined 0 0 0 0
AMERICAN GENERAL CORP Com 026351106 493,034 7,795 SH
Sole 0 7,795 0 1,248
AMERICAN GENERAL CORP Com 026351106 78,936 1,248 SH
Defined 0 0 0 0
AMERICAN HOME PRODUCTS Com 026609107 1,222,424 29,456 SH
Sole 0 52,626 5,600 5,132
AMERICAN HOME PRODUCTS Com 026609107 1,102,655 26,570 SH
Defined 0 0 0 0
AMERICAN HOME PRODUCTS Com 026609107 304,278 7,332 SH
Other 0 0 0 0
AMERICAN INTL GROUP INC Com 026874107 347,924 4,002 SH
Sole 0 10,992 0 0
AMERICAN INTL GROUP INC Com 026874107 526,233 6,053 SH
Defined 0 0 0 0
AMERICAN INTL GROUP INC Com 026874107 81,460 937 SH
Other 0 0 0 0
AMERITECH CORP Com 030954101 1,794,040 26,877 SH
Sole 0 28,239 0 14,308
AMERITECH CORP Com 030954101 240,434 3,602 SH
Defined 0 0 0 0
AMERITECH CORP Com 030954101 805,539 12,068 SH
Other 0 0 0 0
AMGEN INC Com 031162100 933,175 11,450 SH
Sole 0 15,450 0 0
AMGEN INC Com 031162100 130,400 1,600 SH
Defined 0 0 0 0
AMGEN INC Com 031162100 195,600 2,400 SH
Other 0 0 0 0
ANHEUSER BUSCH COS INC Com 035229103 795,630 11,356 SH
Sole 0 12,273 0 900
ANHEUSER BUSCH COS INC Com 035229103 71,254 1,017 SH
Defined 0 0 0 0
ANHEUSER BUSCH COS INC Com 035229103 56,050 800 SH
Other 0 0 0 0
ATLANTIC RICHFIELD Com 048825103 281,828 3,180 SH
Sole 0 5,531 0 2,448
ATLANTIC RICHFIELD Com 048825103 106,084 1,197 SH
Defined 0 0 0 0
ATLANTIC RICHFIELD Com 048825103 319,227 3,602 SH
Other 0 0 0 0
AUTO DATA PROC INC Com 053015103 421,706 9,450 SH
Sole 0 16,510 0 0
AUTO DATA PROC INC Com 053015103 274,890 6,160 SH
Defined 0 0 0 0
AUTO DATA PROC INC Com 053015103 40,163 900 SH
Other 0 0 0 0
ADR BP AMOCO Com 055622104 1,436,019 12,959 SH
Sole 0 23,402 1,323 1,605
ADR BP AMOCO Com 055622104 1,209,629 10,916 SH
Defined 0 0 0 0
ADR BP AMOCO Com 055622104 272,045 2,455 SH
Other 0 0 0 0
BANK AMERICA CORP Com 060505104 691,416 12,416 SH
Sole 0 13,566 0 713
BANK AMERICA CORP Com 060505104 69,609 1,250 SH
Defined 0 0 0 0
BANK AMERICA CORP Com 060505104 34,136 613 SH
Other 0 0 0 0
BANK OF NY CO Com 064057102 794,475 23,760 SH
Sole 0 31,060 0 13,600
BANK OF NY CO Com 064057102 244,094 7,300 SH
Defined 0 0 0 0
BANK OF NY CO Com 064057102 454,750 13,600 SH
Other 0 0 0 0
BANC ONE CORP NEW Com 06423A103 688,522 19,778 SH
Sole 0 48,543 0 10,691
BANC ONE CORP NEW Com 06423A103 160,973 4,624 SH
Defined 0 0 0 0
BANC ONE CORP NEW Com 06423A103 1,212,589 34,832 SH
Other 0 0 0 0
BANKBOSTON CORP Com 06605R106 777,540 17,926 SH
Sole 0 75,382 8,000 23,164
BANKBOSTON CORP Com 06605R106 2,505,167 57,756 SH
Defined 0 0 0 0
BANKBOSTON CORP Com 06605R106 1,338,726 30,864 SH
Other 0 0 0 0
BAXTER INTERNATIONAL INC Com 071813109 439,464 7,294 SH
Sole 0 9,594 0 650
BAXTER INTERNATIONAL INC Com 071813109 117,488 1,950 SH
Defined 0 0 0 0
BAXTER INTERNATIONAL INC Com 071813109 60,250 1,000 SH
Other 0 0 0 0
BELL ATLANTIC CORP Com 077853109 3,808,339 56,577 SH
Sole 0 67,937 800 18,256
BELL ATLANTIC CORP Com 077853109 925,547 13,750 SH
Defined 0 0 0 0
BELL ATLANTIC CORP Com 077853109 1,121,830 16,666 SH
Other 0 0 0 0
BELLSOUTH CORP Com 079860102 4,622,040 102,712 SH
Sole 0 130,442 1,800 23,134
BELLSOUTH CORP Com 079860102 956,070 21,246 SH
Defined 0 0 0 0
BELLSOUTH CORP Com 079860102 1,413,810 31,418 SH
Other 0 0 0 0
BERKSHIRE HATHAWAY INC CL Com 084670207 142,912 77 SH
Sole 0 181 0 0
BERKSHIRE HATHAWAY INC CL Com 084670207 193,024 104 SH
Defined 0 0 0 0
BESTFOODS Com 08658U101 330,662 6,809 SH
Sole 0 6,809 0 150
BESTFOODS Com 08658U101 7,284 150 SH
Other 0 0 0 0
BOEING CO. Com 097023105 425,142 9,974 SH
Sole 0 11,874 0 226
BOEING CO. Com 097023105 76,725 1,800 SH
Defined 0 0 0 0
BOEING CO. Com 097023105 13,896 326 SH
Other 0 0 0 0
BOSTON SCIENTIFIC CORP Com 101137107 598,554 24,184 SH
Sole 0 32,214 0 300
BOSTON SCIENTIFIC CORP Com 101137107 206,168 8,330 SH
Defined 0 0 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108 8,097,165 119,958 SH
Sole 0 142,508 6,200 5,550
BRISTOL-MYERS SQUIBB CO Com 110122108 1,670,625 24,750 SH
Defined 0 0 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108 254,205 3,766 SH
Other 0 0 0 0
CCBT BANCORP, INC. Com 12487S105 2,538,790 166,478 SH
Sole 0 0 2,000 918,358
CCBT BANCORP, INC. Com 12487S105 82,548 5,413 SH
Defined 0 0 0 0
CCBT BANCORP, INC. Com 12487S105 11,414,122 748,467 SH
Other 0 0 0 0
CBS CORP Com 12490K107 69,375 1,500 SH
Defined 0 3,300 0 1,728
CBS CORP Com 12490K107 163,170 3,528 SH
Other 0 0 0 0
CIGNA CORP. Com 125509109 342,800 4,409 SH
Sole 0 4,409 0 606
CIGNA CORP. Com 125509109 47,117 606 SH
Other 0 0 0 0
CAMPBELL SOUP Com 134429109 223,013 5,700 SH
Sole 0 6,100 0 0
CAMPBELL SOUP Com 134429109 15,650 400 SH
Defined 0 0 0 0
CARNIVAL CORP COM CL A Com 143658102 156,600 3,600 SH
Sole 0 13,725 0 0
CARNIVAL CORP COM CL A Com 143658102 396,938 9,125 SH
Defined 0 0 0 0
CARNIVAL CORP COM CL A Com 143658102 43,500 1,000 SH
Other 0 0 0 0
CATERPILLAR TRACTOR CO. Com 149123101 192,611 3,514 SH
Sole 0 3,308 0 1,050
CATERPILLAR TRACTOR CO. Com 149123101 2,412 44 SH
Defined 0 0 0 0
CATERPILLAR TRACTOR CO. Com 149123101 43,850 800 SH
Other 0 0 0 0
CHASE MANHATTAN CORP NEW Com 16161A108 531,318 7,049 SH
Sole 0 7,237 0 4,362
CHASE MANHATTAN CORP NEW Com 16161A108 14,171 188 SH
Defined 0 0 0 0
CHASE MANHATTAN CORP NEW Com 16161A108 328,786 4,362 SH
Other 0 0 0 0
CHEVRON CORP Com 166751107 666,246 7,507 SH
Sole 0 8,022 2,000 2,050
CHEVRON CORP Com 166751107 236,519 2,665 SH
Defined 0 0 0 0
CHEVRON CORP Com 166751107 168,625 1,900 SH
Other 0 0 0 0
CISCO SYSTEMS Com 17275R102 783,669 11,430 SH
Sole 0 18,660 0 2,600
CISCO SYSTEMS Com 17275R102 303,732 4,430 SH
Defined 0 0 0 0
CISCO SYSTEMS Com 17275R102 370,238 5,400 SH
Other 0 0 0 0
CITIGROUP INC Com 172967101 1,153,856 26,224 SH
Sole 0 29,876 0 7,690
CITIGROUP INC Com 172967101 202,048 4,592 SH
Defined 0 0 0 0
CITIGROUP INC Com 172967101 297,000 6,750 SH
Other 0 0 0 0
CITIGROUP CAP PFD W Pfd 17306K209 352,269 15,700 SH
Sole 0 17,900 0 2,200
CITIGROUP CAP PFD W Pfd 17306K209 85,263 3,800 SH
Defined 0 0 0 0
CITIGROUP CAP PFD W Pfd 17306K209 13,463 600 SH
Other 0 0 0 0
CITIZENS UTILITIES CL B Com 177342201 301,851 26,683 SH
Defined 0 26,683 6,801 0
COCA COLA CO. Com 191216100 1,975,596 40,945 SH
Sole 0 48,498 0 4,300
COCA COLA CO. Com 191216100 173,845 3,603 SH
Defined 0 0 0 0
COCA COLA CO. Com 191216100 398,063 8,250 SH
Other 0 0 0 0
COLGATE PALMOLIVE Com 194162103 754,235 16,486 SH
Sole 0 18,886 0 1,000
COLGATE PALMOLIVE Com 194162103 36,600 800 SH
Defined 0 0 0 0
COLGATE PALMOLIVE Com 194162103 118,950 2,600 SH
Other 0 0 0 0
COMPAQ COMPUTER CORP Com 204493100 166,873 7,295 SH
Sole 0 9,495 0 300
COMPAQ COMPUTER CORP Com 204493100 34,313 1,500 SH
Defined 0 0 0 0
COMPAQ COMPUTER CORP Com 204493100 22,875 1,000 SH
Other 0 0 0 0
CONSOLIDATED EDISON INC. Com 209115104 171,229 4,126 SH
Sole 0 4,126 0 1,900
CONSOLIDATED EDISON INC. Com 209115104 78,850 1,900 SH
Other 0 0 0 0
CONSOLIDATED NATURAL GAS Com 209615103 49,276 790 SH
Sole 0 4,390 800 400
CONSOLIDATED NATURAL GAS Com 209615103 299,400 4,800 SH
Defined 0 0 0 0
CORNING INC Com 219350105 356,525 5,200 SH
Sole 0 5,900 0 1,500
CORNING INC Com 219350105 47,994 700 SH
Defined 0 0 0 0
CORNING INC Com 219350105 102,844 1,500 SH
Other 0 0 0 0
DISNEY WALT COMPANY Com 254687106 402,818 15,493 SH
Sole 0 28,157 0 112
DISNEY WALT COMPANY Com 254687106 126,152 4,852 SH
Defined 0 0 0 0
DISNEY WALT COMPANY Com 254687106 206,024 7,924 SH
Other 0 0 0 0
DOMINION RESOURCES, INC Com 257470104 156,223 3,462 SH
Sole 0 5,361 0 651
DOMINION RESOURCES, INC Com 257470104 74,456 1,650 SH
Defined 0 0 0 0
DOMINION RESOURCES, INC Com 257470104 40,613 900 SH
Other 0 0 0 0
DOVER CORP. Com 260003108 259,556 6,350 SH
Sole 0 7,350 0 0
DOVER CORP. Com 260003108 40,875 1,000 SH
Other 0 0 0 0
DOW CHEMICAL CO Com 260543103 284,290 2,502 SH
Sole 0 7,377 0 450
DOW CHEMICAL CO Com 260543103 542,559 4,775 SH
Defined 0 0 0 0
DOW CHEMICAL CO Com 260543103 62,494 550 SH
Other 0 0 0 0
DUPONT DE NEMOURS & CO Com 263534109 1,241,339 20,518 SH
Sole 0 36,753 0 4,500
DUPONT DE NEMOURS & CO Com 263534109 956,203 15,805 SH
Defined 0 0 0 0
DUPONT DE NEMOURS & CO Com 263534109 298,265 4,930 SH
Other 0 0 0 0
DUKE ENERGY CORP Com 264399106 161,461 2,929 SH
Sole 0 5,129 0 175
DUKE ENERGY CORP Com 264399106 49,613 900 SH
Defined 0 0 0 0
DUKE ENERGY CORP Com 264399106 81,309 1,475 SH
Other 0 0 0 0
EG & G, INC Com 268457108 318,000 8,000 SH
Sole 0 8,000 0 0
EMC CORP Com 268648102 1,620,213 22,700 SH
Sole 0 31,362 0 1,200
EMC CORP Com 268648102 661,075 9,262 SH
Defined 0 0 0 0
EMC CORP Com 268648102 42,825 600 SH
Other 0 0 0 0
EASTMAN KODAK CO Com 277461109 219,464 2,902 SH
Sole 0 5,044 0 1,529
EASTMAN KODAK CO Com 277461109 179,231 2,370 SH
Defined 0 0 0 0
EASTMAN KODAK CO Com 277461109 98,388 1,301 SH
Other 0 0 0 0
ELECTRONIC DATA SYS CORP Com 285661104 135,732 2,564 SH
Sole 0 3,284 0 1,535
ELECTRONIC DATA SYS CORP Com 285661104 21,175 400 SH
Defined 0 0 0 0
ELECTRONIC DATA SYS CORP Com 285661104 98,199 1,855 SH
Other 0 0 0 0
EMERSON ELECTRIC CO Com 291011104 169,216 2,678 SH
Sole 0 11,482 0 400
EMERSON ELECTRIC CO Com 291011104 429,675 6,800 SH
Defined 0 0 0 0
EMERSON ELECTRIC CO Com 291011104 151,903 2,404 SH
Other 0 0 0 0
ENRON CORP Com 293561106 172,463 4,200 SH
Sole 0 6,000 0 350
ENRON CORP Com 293561106 73,913 1,800 SH
Defined 0 0 0 0
ENRON CORP Com 293561106 14,372 350 SH
Other 0 0 0 0
EXXON Com 302290101 8,717,428 114,703 SH
Sole 0 178,336 4,864 53,435
EXXON Com 302290101 3,733,576 49,126 SH
Defined 0 0 0 0
EXXON Com 302290101 5,533,256 72,806 SH
Other 0 0 0 0
FPL GROUP INC Com 302571104 230,315 4,572 SH
Sole 0 4,932 0 200
FPL GROUP INC Com 302571104 28,210 560 SH
Defined 0 0 0 0
FEDERAL NATL MTG ASSN Com 313586109 1,024,314 16,340 SH
Sole 0 21,790 400 100
FEDERAL NATL MTG ASSN Com 313586109 272,691 4,350 SH
Defined 0 0 0 0
FEDERAL NATL MTG ASSN Com 313586109 100,300 1,600 SH
Other 0 0 0 0
FIFTH THIRD BANCORP Com 316773100 930,666 15,296 SH
Sole 0 15,296 0 0
FIRST UNION CORP Com 337358105 361,024 10,134 SH
Sole 0 10,134 0 200
FIRST UNION CORP Com 337358105 7,125 200 SH
Defined 0 0 0 0
FLEET FINANCIAL GROUP INC Com 338915101 127,235 3,474 SH
Sole 0 4,837 0 3,102
FLEET FINANCIAL GROUP INC Com 338915101 79,220 2,163 SH
Defined 0 0 0 0
FLEET FINANCIAL GROUP INC Com 338915101 84,311 2,302 SH
Other 0 0 0 0
FORD MOTOR CO Com 345370100 358,283 7,130 SH
Sole 0 7,960 0 1,700
FORD MOTOR CO Com 345370100 117,083 2,330 SH
Defined 0 0 0 0
FORD MOTOR CO Com 345370100 10,050 200 SH
Other 0 0 0 0
FORTUNE BRANDS INC Com 349631101 187,889 5,826 SH
Sole 0 12,370 900 784
FORTUNE BRANDS INC Com 349631101 50,955 1,580 SH
Defined 0 0 0 0
FORTUNE BRANDS INC Com 349631101 214,398 6,648 SH
Other 0 0 0 0
GTE CORP Com 362320103 3,693,293 48,043 SH
Sole 0 65,468 3,200 2,217
GTE CORP Com 362320103 843,703 10,975 SH
Defined 0 0 0 0
GTE CORP Com 362320103 704,713 9,167 SH
Other 0 0 0 0
ADR GALLAHER GROUP PLC Com 363595109 122,779 4,516 SH
Sole 0 7,380 900 900
ADR GALLAHER GROUP PLC Com 363595109 24,469 900 SH
Defined 0 0 0 0
ADR GALLAHER GROUP PLC Com 363595109 77,865 2,864 SH
Other 0 0 0 0
GANNETT INC Com 364730101 311,344 4,500 SH
Sole 0 7,700 0 200
GANNETT INC Com 364730101 207,563 3,000 SH
Defined 0 0 0 0
GANNETT INC Com 364730101 27,675 400 SH
Other 0 0 0 0
GENERAL ELECTRIC CO Com 369604103 25,650,036 216,342 SH
Sole 0 274,928 14,100 59,105
GENERAL ELECTRIC CO Com 369604103 7,047,948 59,445 SH
Defined 0 0 0 0
GENERAL ELECTRIC CO Com 369604103 8,577,523 72,346 SH
Other 0 0 0 0
GENERAL MILLS Com 370334104 194,700 2,400 SH
Sole 0 5,288 0 200
GENERAL MILLS Com 370334104 186,588 2,300 SH
Defined 0 0 0 0
GENERAL MILLS Com 370334104 63,927 788 SH
Other 0 0 0 0
GENERAL MOTORS CORP Com 370442105 212,792 3,381 SH
Sole 0 4,908 0 3,227
GENERAL MOTORS CORP Com 370442105 63,882 1,015 SH
Defined 0 0 0 0
GENERAL MOTORS CORP Com 370442105 235,323 3,739 SH
Other 0 0 0 0
GENZYME CORP COMM Com 372917104 214,047 4,750 SH
Sole 0 6,243 0 400
GENZYME CORP COMM Com 372917104 67,278 1,493 SH
Defined 0 0 0 0
GENZYME CORP COMM Com 372917104 18,025 400 SH
Other 0 0 0 0
GILLETTE CO Com 375766102 556,405 16,395 SH
Sole 0 19,017 0 16,904
GILLETTE CO Com 375766102 566,892 16,704 SH
Defined 0 0 0 0
GILLETTE CO Com 375766102 95,772 2,822 SH
Other 0 0 0 0
GLOBAL MARINE INC Com 379352404 188,505 11,468 SH
Sole 0 12,868 0 0
GLOBAL MARINE INC Com 379352404 21,369 1,300 SH
Defined 0 0 0 0
GLOBAL MARINE INC Com 379352404 1,644 100 SH
Other 0 0 0 0
HALLIBURTON CO Com 406216101 187,206 4,566 SH
Sole 0 7,082 0 1,150
HALLIBURTON CO Com 406216101 94,300 2,300 SH
Defined 0 0 0 0
HALLIBURTON CO Com 406216101 56,006 1,366 SH
Other 0 0 0 0
HEINZ, H.J. CO. Com 423074103 541,800 12,600 SH
Sole 0 16,200 900 450
HEINZ, H.J. CO. Com 423074103 154,800 3,600 SH
Defined 0 0 0 0
HEINZ, H.J. CO. Com 423074103 58,050 1,350 SH
Other 0 0 0 0
HEWLETT PACKARD Com 428236103 1,555,909 17,145 SH
Sole 0 24,895 200 950
HEWLETT PACKARD Com 428236103 657,938 7,250 SH
Defined 0 0 0 0
HEWLETT PACKARD Com 428236103 149,738 1,650 SH
Other 0 0 0 0
HOME DEPOT INC Com 437076102 1,036,238 15,100 SH
Sole 0 23,517 0 450
HOME DEPOT INC Com 437076102 333,998 4,867 SH
Defined 0 0 0 0
HOME DEPOT INC Com 437076102 274,500 4,000 SH
Other 0 0 0 0
ITT INDS INC Com 450911102 253,005 7,953 SH
Sole 0 8,500 0 653
ITT INDS INC Com 450911102 31,813 1,000 SH
Defined 0 0 0 0
ITT INDS INC Com 450911102 6,363 200 SH
Other 0 0 0 0
INTEL CORP Com 458140100 1,012,127 13,620 SH
Sole 0 22,357 0 2,400
INTEL CORP Com 458140100 448,625 6,037 SH
Defined 0 0 0 0
INTEL CORP Com 458140100 378,994 5,100 SH
Other 0 0 0 0
INTERNATIONAL BUSINESS MA Com 459200101 2,177,032 17,992 SH
Sole 0 37,876 0 4,600
INTERNATIONAL BUSINESS MA Com 459200101 841,676 6,956 SH
Defined 0 0 0 0
INTERNATIONAL BUSINESS MA Com 459200101 2,120,888 17,528 SH
Other 0 0 0 0
JOHNSON & JOHNSON Com 478160104 1,777,781 19,350 SH
Sole 0 32,085 400 3,150
JOHNSON & JOHNSON Com 478160104 1,024,866 11,155 SH
Defined 0 0 0 0
JOHNSON & JOHNSON Com 478160104 471,319 5,130 SH
Other 0 0 0 0
KIMBERLY CLARK CORP Com 494368103 546,701 10,364 SH
Sole 0 13,978 150 1,300
KIMBERLY CLARK CORP Com 494368103 160,888 3,050 SH
Defined 0 0 0 0
KIMBERLY CLARK CORP Com 494368103 106,239 2,014 SH
Other 0 0 0 0
LILLY ELI & CO Com 532457108 552,013 8,600 SH
Sole 0 22,091 0 0
LILLY ELI & CO Com 532457108 865,954 13,491 SH
Defined 0 0 0 0
LUCENT TECHNOLOGIES Com 549463107 7,670,106 118,229 SH
Sole 0 149,787 6,300 20,796
LUCENT TECHNOLOGIES Com 549463107 2,238,836 34,510 SH
Defined 0 0 0 0
LUCENT TECHNOLOGIES Com 549463107 1,566,342 24,144 SH
Other 0 0 0 0
MBNA CORP Com 55262L100 29,930 1,312 SH
Sole 0 14,812 0 0
MBNA CORP Com 55262L100 307,969 13,500 SH
Defined 0 0 0 0
MCI WORLDCOM INC Com 55268B106 123,984 1,725 SH
Sole 0 4,575 0 248
MCI WORLDCOM INC Com 55268B106 183,281 2,550 SH
Defined 0 0 0 0
MCI WORLDCOM INC Com 55268B106 39,388 548 SH
Other 0 0 0 0
MCDONALDS CORP. Com 580135101 327,835 7,580 SH
Sole 0 20,370 800 3,240
MCDONALDS CORP. Com 580135101 727,898 16,830 SH
Defined 0 0 0 0
MEDIAONE GROUP INC. Com 58440J104 335,073 4,905 SH
Sole 0 5,632 1,000 2,345
MEDIAONE GROUP INC. Com 58440J104 128,428 1,880 SH
Defined 0 0 0 0
MEDIAONE GROUP INC. Com 58440J104 149,741 2,192 SH
Other 0 0 0 0
MEDTRONIC INC Com 585055106 706,125 10,500 SH
Sole 0 12,200 0 400
MEDTRONIC INC Com 585055106 73,975 1,100 SH
Defined 0 0 0 0
MEDTRONIC INC Com 585055106 67,250 1,000 SH
Other 0 0 0 0
MELLON BANK CORP Com 585509102 161,400 4,800 SH
Sole 0 9,800 3,000 2,640
MELLON BANK CORP Com 585509102 269,000 8,000 SH
Defined 0 0 0 0
MELLON BANK CORP Com 585509102 88,770 2,640 SH
Other 0 0 0 0
MERCK & COMPANY Com 589331107 4,371,085 67,442 SH
Sole 0 112,188 700 4,154
MERCK & COMPANY Com 589331107 2,401,044 37,046 SH
Defined 0 0 0 0
MERCK & COMPANY Com 589331107 813,656 12,554 SH
Other 0 0 0 0
MICROSOFT CORP Com 594918104 463,680 5,120 SH
Sole 0 12,486 0 3,700
MICROSOFT CORP Com 594918104 549,352 6,066 SH
Defined 0 0 0 0
MICROSOFT CORP Com 594918104 452,813 5,000 SH
Other 0 0 0 0
MINN MINING & MFG Com 604059105 772,343 8,040 SH
Sole 0 17,045 200 2,025
MINN MINING & MFG Com 604059105 867,925 9,035 SH
Defined 0 0 0 0
MINN MINING & MFG Com 604059105 210,857 2,195 SH
Other 0 0 0 0
MOBIL CORP Com 607059102 2,012,481 19,975 SH
Sole 0 24,191 150 5,062
MOBIL CORP Com 607059102 408,038 4,050 SH
Defined 0 0 0 0
MOBIL CORP Com 607059102 541,834 5,378 SH
Other 0 0 0 0
MOBILEMEDIA CORP Com 607415106 2,958 22,750 SH
Sole 0 22,750 0 0
MORGAN, J.P.& CO. Com 616880100 513,211 4,492 SH
Sole 0 8,317 1,300 4,607
MORGAN, J.P.& CO. Com 616880100 459,856 4,025 SH
Defined 0 0 0 0
MORGAN, J.P.& CO. Com 616880100 652,025 5,707 SH
Other 0 0 0 0
MORGAN STANLEY, DEAN WITT Com 617446448 75,988 852 SH
Sole 0 2,290 0 3,318
MORGAN STANLEY, DEAN WITT Com 617446448 48,696 546 SH
Defined 0 0 0 0
MORGAN STANLEY, DEAN WITT Com 617446448 375,479 4,210 SH
Other 0 0 0 0
MOTOROLA INC. Com 620076109 319,000 3,625 SH
Sole 0 7,995 0 225
MOTOROLA INC. Com 620076109 305,360 3,470 SH
Defined 0 0 0 0
MOTOROLA INC. Com 620076109 99,000 1,125 SH
Other 0 0 0 0
NESTLE S A SPONSORED ADR Com 641069406 112,757 1,200 SH
Sole 0 3,900 0 0
NESTLE S A SPONSORED ADR Com 641069406 253,703 2,700 SH
Defined 0 0 0 0
NEW ENGLAND ELECTRIC SYST Com 644001109 308,189 5,941 SH
Sole 0 9,041 500 500
NEW ENGLAND ELECTRIC SYST Com 644001109 98,563 1,900 SH
Defined 0 0 0 0
NEW ENGLAND ELECTRIC SYST Com 644001109 88,188 1,700 SH
Other 0 0 0 0
NEXTEL COMMUNICATIONS INC Com 65332V103 233,953 3,450 SH
Sole 0 4,950 0 0
NEXTEL COMMUNICATIONS INC Com 65332V103 101,719 1,500 SH
Defined 0 0 0 0
NORTEL NETWORKS CORP Com 656569100 306,000 6,000 SH
Sole 0 7,300 0 300
NORTEL NETWORKS CORP Com 656569100 81,600 1,600 SH
Other 0 0 0 0
NSTAR COM Com 67019E107 324,849 8,383 SH
Sole 0 7,313 0 2,661
NSTAR COM Com 67019E107 39,913 1,030 SH
Defined 0 0 0 0
NSTAR COM Com 67019E107 21,727 561 SH
Other 0 0 0 0
PNC BANK CORP Com 693475105 45,311 860 SH
Sole 0 4,966 0 760
PNC BANK CORP Com 693475105 5,269 100 SH
Defined 0 0 0 0
PNC BANK CORP Com 693475105 251,109 4,766 SH
Other 0 0 0 0
PPG INDUSTRIES Com 693506107 114,000 1,900 SH
Sole 0 8,396 500 0
PPG INDUSTRIES Com 693506107 120,000 2,000 SH
Defined 0 0 0 0
PPG INDUSTRIES Com 693506107 269,760 4,496 SH
Other 0 0 0 0
PEAPACK GLADSTONE FINANCI Com 704699107 706,580 14,420 SH
Sole 0 14,420 0 0
PENNEY J C COMPANY Com 708160106 469,821 13,618 SH
Defined 0 12,418 1,200 800
PENNEY J C COMPANY Com 708160106 27,600 800 SH
Other 0 0 0 0
PEPSICO, INC Com 713448108 1,044,137 34,234 SH
Sole 0 49,764 0 1,300
PEPSICO, INC Com 713448108 449,265 14,730 SH
Defined 0 0 0 0
PEPSICO, INC Com 713448108 64,050 2,100 SH
Other 0 0 0 0
PFIZER, INC. Com 717081103 1,952,497 54,425 SH
Sole 0 97,490 2,100 14,490
PFIZER, INC. Com 717081103 1,149,973 32,055 SH
Defined 0 0 0 0
PFIZER, INC. Com 717081103 990,150 27,600 SH
Other 0 0 0 0
PHILIP MORRIS COS, INC Com 718154107 1,439,054 42,093 SH
Sole 0 61,195 2,400 1,700
PHILIP MORRIS COS, INC Com 718154107 700,912 20,502 SH
Defined 0 0 0 0
PHILIP MORRIS COS, INC Com 718154107 27,350 800 SH
Other 0 0 0 0
PITNEY BOWES INC Com 724479100 195,000 3,200 SH
Sole 0 6,200 0 0
PITNEY BOWES INC Com 724479100 182,813 3,000 SH
Defined 0 0 0 0
PLEASANT BAY CORP Com 728990102 1,002,964 8,135 SH
Sole 0 8,135 0 0
PROCTOR & GAMBLE Com 742718109 5,491,543 58,576 SH
Sole 0 69,854 600 4,930
PROCTOR & GAMBLE Com 742718109 853,125 9,100 SH
Defined 0 0 0 0
PROCTOR & GAMBLE Com 742718109 722,625 7,708 SH
Other 0 0 0 0
RAYTHEON CO. NEW Com 755111408 148,875 3,000 SH
Sole 0 6,250 0 100
RAYTHEON CO. NEW Com 755111408 47,144 950 SH
Defined 0 0 0 0
RAYTHEON CO. NEW Com 755111408 119,100 2,400 SH
Other 0 0 0 0
ROYAL BANK OF SCOTLAND GR Pfd 780097879 668,438 31,000 SH
Sole 0 39,050 0 600
ROYAL BANK OF SCOTLAND GR Pfd 780097879 173,578 8,050 SH
Defined 0 0 0 0
ROYAL BANK OF SCOTLAND GR Pfd 780097879 12,938 600 SH
Other 0 0 0 0
ROYAL DUTCH PETR CO. N. Com 780257804 337,365 5,712 SH
Sole 0 15,934 400 0
ROYAL DUTCH PETR CO. N. Com 780257804 603,737 10,222 SH
Defined 0 0 0 0
SBC COMMUNICATIONS INC Com 78387G103 3,392,644 66,441 SH
Sole 0 85,908 5,892 21,581
SBC COMMUNICATIONS INC Com 78387G103 1,396,049 27,340 SH
Defined 0 0 0 0
SBC COMMUNICATIONS INC Com 78387G103 1,000,825 19,600 SH
Other 0 0 0 0
SARA LEE CORP Com 803111103 511,048 21,863 SH
Sole 0 33,863 0 400
SARA LEE CORP Com 803111103 289,850 12,400 SH
Defined 0 0 0 0
SCHLUMBERGER, LTD Com 806857108 239,903 3,850 SH
Sole 0 6,255 0 200
SCHLUMBERGER, LTD Com 806857108 156,093 2,505 SH
Defined 0 0 0 0
SCHLUMBERGER, LTD Com 806857108 6,231 100 SH
Other 0 0 0 0
SEACOAST FINANCIAL Com 81170Q106 145,460 14,546 SH
Sole 0 110,585 0 0
SEACOAST FINANCIAL Com 81170Q106 960,390 96,039 SH
Other 0 0 0 0
SEARS ROEBUCK CO Com 812387108 65,699 2,094 SH
Sole 0 4,237 0 4,378
SEARS ROEBUCK CO Com 812387108 31,375 1,000 SH
Defined 0 0 0 0
SEARS ROEBUCK CO Com 812387108 173,221 5,521 SH
Other 0 0 0 0
SMITHKLINE BEECHAM P L C Com 832378301 288,125 5,000 SH
Defined 0 5,000 0 0
SOUTHERN COMPANY Com 842587107 165,830 6,440 SH
Sole 0 7,032 0 2,832
SOUTHERN COMPANY Com 842587107 25,750 1,000 SH
Defined 0 0 0 0
SOUTHERN COMPANY Com 842587107 62,418 2,424 SH
Other 0 0 0 0
SPRINT CORP Com 852061100 157,325 2,900 SH
Sole 0 9,200 0 0
SPRINT CORP Com 852061100 341,775 6,300 SH
Defined 0 0 0 0
STAPLES INCORPORATED Com 855030102 356,634 16,350 SH
Sole 0 21,180 0 1,100
STAPLES INCORPORATED Com 855030102 129,348 5,930 SH
Defined 0 0 0 0
STATE STREET CORP Com 857477103 35,544 550 SH
Sole 0 2,950 0 9,152
STATE STREET CORP Com 857477103 155,100 2,400 SH
Defined 0 0 0 0
STATE STREET CORP Com 857477103 591,448 9,152 SH
Other 0 0 0 0
SUMMIT BANCORP NEW Com 866005101 415,460 12,808 SH
Sole 0 13,108 0 0
SUMMIT BANCORP NEW Com 866005101 9,731 300 SH
Defined 0 0 0 0
SUN MICROSYSTEMS INC Com 866810104 148,800 1,600 SH
Sole 0 5,914 0 1,050
SUN MICROSYSTEMS INC Com 866810104 368,652 3,964 SH
Defined 0 0 0 0
SUN MICROSYSTEMS INC Com 866810104 130,200 1,400 SH
Other 0 0 0 0
SYSCO CORP. Com 871829107 575,025 16,400 SH
Sole 0 16,400 0 0
TJX COMPANIES Com 872540109 771,719 27,500 SH
Sole 0 32,727 0 400
TJX COMPANIES Com 872540109 157,908 5,627 SH
Defined 0 0 0 0
TEXACO, INC. Com 881694103 343,905 5,448 SH
Sole 0 6,588 0 300
TEXACO, INC. Com 881694103 69,438 1,100 SH
Defined 0 0 0 0
TEXACO, INC. Com 881694103 21,463 340 SH
Other 0 0 0 0
TEXAS INSTRUMENTS Com 882508104 213,850 2,600 SH
Sole 0 3,400 0 500
TEXAS INSTRUMENTS Com 882508104 65,800 800 SH
Defined 0 0 0 0
TEXAS INSTRUMENTS Com 882508104 41,125 500 SH
Other 0 0 0 0
TIME WARNER INC. Com 887315109 504,225 8,300 SH
Sole 0 10,350 0 0
TIME WARNER INC. Com 887315109 124,538 2,050 SH
Defined 0 0 0 0
TYCO INTL LTD NEW Com 902124106 564,881 5,471 SH
Sole 0 8,224 0 300
TYCO INTL LTD NEW Com 902124106 315,222 3,053 SH
Defined 0 0 0 0
UNION PACIFIC CORP Com 907818108 164,470 3,422 SH
Sole 0 11,222 0 1,058
UNION PACIFIC CORP Com 907818108 396,900 8,258 SH
Defined 0 0 0 0
UNION PACIFIC CORP Com 907818108 28,838 600 SH
Other 0 0 0 0
U S WEST, INC NEW Com 91273H101 411,934 7,219 SH
Sole 0 11,922 2,227 2,698
U S WEST, INC NEW Com 91273H101 399,837 7,007 SH
Defined 0 0 0 0
U S WEST, INC NEW Com 91273H101 149,561 2,621 SH
Other 0 0 0 0
UNITED TECHNOLOGIES Com 913017109 111,508 1,880 SH
Sole 0 1,960 0 6,408
UNITED TECHNOLOGIES Com 913017109 4,745 80 SH
Defined 0 0 0 0
UNITED TECHNOLOGIES Com 913017109 380,075 6,408 SH
Other 0 0 0 0
VODAFONE AIRTOUCH PLC Com 92857T107 621,479 2,614 SH
Sole 0 2,936 0 1,913
VODAFONE AIRTOUCH PLC Com 92857T107 120,064 505 SH
Defined 0 0 0 0
VODAFONE AIRTOUCH PLC Com 92857T107 411,308 1,730 SH
Other 0 0 0 0
VULCAN MATERIALS CO Com 929160109 1,180,131 32,222 SH
Sole 0 33,622 0 900
VULCAN MATERIALS CO Com 929160109 51,275 1,400 SH
Defined 0 0 0 0
VULCAN MATERIALS CO Com 929160109 32,963 900 SH
Other 0 0 0 0
WALGREEN CO. Com 931422109 543,025 21,400 SH
Sole 0 22,400 0 0
WALGREEN CO. Com 931422109 25,375 1,000 SH
Defined 0 0 0 0
WARNER LAMBERT CO Com 934488107 577,994 8,708 SH
Sole 0 17,358 0 0
WARNER LAMBERT CO Com 934488107 574,144 8,650 SH
Defined 0 0 0 0
WELLS FARGO & COMPANY NEW Com 949746101 606,263 15,300 SH
Sole 0 18,660 0 0
WELLS FARGO & COMPANY NEW Com 949746101 133,140 3,360 SH
Defined 0 0 0 0
XEROX CORPORATION Com 984121103 506,689 12,082 SH
Sole 0 12,757 0 2,148
XEROX CORPORATION Com 984121103 51,373 1,225 SH
Defined 0 0 0 0
XEROX CORPORATION Com 984121103 67,016 1,598 SH
Other 0 0 0 0
DAIMLER CHRYSLER AG ORD Com D1668R123 181,579 2,615 SH
Sole 0 2,908 0 374
DAIMLER CHRYSLER AG ORD Com D1668R123 36,663 528 SH
Defined 0 0 0 0
DAIMLER CHRYSLER AG ORD Com D1668R123 9,652 139 SH
Other 0 0 0 0
H.H. SNOW & SONS, INC. Com MA1000395 1,194,960 6,000 SH
Sole 0 6,000 0 0
</TABLE>
