UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: March 31, 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. LONGOBARDI
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 & TRUST COMPANY
Title: TRUST SYSTEM OFFICER
Phone: 508-862-6487
Signature, Place, and Date Of Signing:
CAPE COD BANK & TRUST COMPANY HYANNIS MA March 31, 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: 151
Form 13F Information Table Value Total: $264,453,616
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 4,792,661 60,049 SH
Sole 0 78,430 4,100 9,122
AT&T CORP Com 001957109 1,747,255 21,892 SH
Defined 0 0 0 0
AT&T CORP Com 001957109 775,059 9,711 SH
Other 0 0 0 0
ABBOTT LABORATORIES Com 002824100 1,571,496 33,570 SH
Sole 0 38,870 0 11,000
ABBOTT LABORATORIES Com 002824100 182,569 3,900 SH
Defined 0 0 0 0
ABBOTT LABORATORIES Com 002824100 580,475 12,400 SH
Other 0 0 0 0
AETNA INC COM STK Com 008117103 305,025 3,675 SH
Sole 0 3,975 0 300
AETNA INC COM STK Com 008117103 24,900 300 SH
Defined 0 0 0 0
AETNA INC COM STK Com 008117103 24,900 300 SH
Other 0 0 0 0
AIRBORNE FREIGHT CORPORAT Com 009266107 294,500 9,500 SH
Sole 0 10,300 0 0
AIRBORNE FREIGHT CORPORAT Com 009266107 24,800 800 SH
Defined 0 0 0 0
AIRTOUCH COMMUNICATIONS Com 00949T100 561,778 5,814 SH
Sole 0 6,267 0 3,437
AIRTOUCH COMMUNICATIONS Com 00949T100 98,171 1,016 SH
Defined 0 0 0 0
AIRTOUCH COMMUNICATIONS Com 00949T100 277,700 2,874 SH
Other 0 0 0 0
ALBERTSONS INC Com 013104104 283,075 5,200 SH
Sole 0 6,000 0 0
ALBERTSONS INC Com 013104104 43,550 800 SH
Defined 0 0 0 0
ALLSTATE CORP Com 020002101 1,129,294 30,470 SH
Sole 0 34,624 0 8,002
ALLSTATE CORP Com 020002101 75,459 2,036 SH
Defined 0 0 0 0
ALLSTATE CORP Com 020002101 375,073 10,120 SH
Other 0 0 0 0
AMERICA ONLINE INC DEL Com 02364J104 161,700 1,100 SH
Sole 0 1,774 0 100
AMERICA ONLINE INC DEL Com 02364J104 113,778 774 SH
Defined 0 0 0 0
AMERICAN ELECTRIC POWER Com 025537101 167,958 4,232 SH
Sole 0 4,666 0 4,058
AMERICAN ELECTRIC POWER Com 025537101 7,938 200 SH
Defined 0 0 0 0
AMERICAN ELECTRIC POWER Com 025537101 170,339 4,292 SH
Other 0 0 0 0
AMER EXPRESS CO Com 025816109 441,563 3,750 SH
Sole 0 7,870 0 0
AMER EXPRESS CO Com 025816109 485,130 4,120 SH
Defined 0 0 0 0
AMERICAN GENERAL CORP Com 026351106 644,018 9,135 SH
Sole 0 9,135 0 1,248
AMERICAN GENERAL CORP Com 026351106 87,984 1,248 SH
Defined 0 0 0 0
AMERICAN HOME PRODUCTS Com 026609107 2,009,439 30,796 SH
Sole 0 55,036 5,600 5,532
AMERICAN HOME PRODUCTS Com 026609107 1,842,660 28,240 SH
Defined 0 0 0 0
AMERICAN HOME PRODUCTS Com 026609107 465,363 7,132 SH
Other 0 0 0 0
AMERICAN INTL GROUP INC Com 026874107 413,382 3,427 SH
Sole 0 8,983 0 0
AMERICAN INTL GROUP INC Com 026874107 579,724 4,806 SH
Defined 0 0 0 0
AMERICAN INTL GROUP INC Com 026874107 90,469 750 SH
Other 0 0 0 0
AMERITECH CORP Com 030954101 1,506,721 26,147 SH
Sole 0 27,588 0 11,878
AMERITECH CORP Com 030954101 155,760 2,703 SH
Defined 0 0 0 0
AMERITECH CORP Com 030954101 611,747 10,616 SH
Other 0 0 0 0
AMGEN INC Com 031162100 853,575 11,400 SH
Sole 0 13,400 0 0
AMGEN INC Com 031162100 119,800 1,600 SH
Defined 0 0 0 0
AMGEN INC Com 031162100 29,950 400 SH
Other 0 0 0 0
ANHEUSER BUSCH COS INC Com 035229103 925,376 12,156 SH
Sole 0 13,356 0 900
ANHEUSER BUSCH COS INC Com 035229103 98,963 1,300 SH
Defined 0 0 0 0
ANHEUSER BUSCH COS INC Com 035229103 60,900 800 SH
Other 0 0 0 0
ATLANTIC RICHFIELD Com 048825103 150,638 2,060 SH
Sole 0 5,231 0 3,448
ATLANTIC RICHFIELD Com 048825103 74,368 1,017 SH
Defined 0 0 0 0
ATLANTIC RICHFIELD Com 048825103 409,646 5,602 SH
Other 0 0 0 0
AUTO DATA PROC INC Com 053015103 297,900 7,200 SH
Sole 0 13,350 0 3,600
AUTO DATA PROC INC Com 053015103 403,406 9,750 SH
Defined 0 0 0 0
ADR BP AMOCO Com 055622104 1,401,375 13,875 SH
Sole 0 24,418 1,323 1,530
ADR BP AMOCO Com 055622104 1,105,041 10,941 SH
Defined 0 0 0 0
ADR BP AMOCO Com 055622104 247,955 2,455 SH
Other 0 0 0 0
BANK OF NY CO Com 064057102 1,055,125 29,360 SH
Sole 0 34,860 0 14,100
BANK OF NY CO Com 064057102 215,625 6,000 SH
Defined 0 0 0 0
BANK OF NY CO Com 064057102 488,750 13,600 SH
Other 0 0 0 0
BANC ONE CORP NEW Com 06423A103 1,202,235 21,834 SH
Sole 0 50,599 0 10,873
BANC ONE CORP NEW Com 06423A103 254,609 4,624 SH
Defined 0 0 0 0
BANC ONE CORP NEW Com 06423A103 1,927,958 35,014 SH
Other 0 0 0 0
BANKAMERICA CORP NEW Com 06605F102 972,294 13,767 SH
Sole 0 15,232 0 665
BANKAMERICA CORP NEW Com 06605F102 87,504 1,239 SH
Defined 0 0 0 0
BANKAMERICA CORP NEW Com 06605F102 62,927 891 SH
Other 0 0 0 0
BANKBOSTON CORP Com 06605R106 721,413 16,656 SH
Sole 0 32,912 8,000 26,764
BANKBOSTON CORP Com 06605R106 873,007 20,156 SH
Defined 0 0 0 0
BANKBOSTON CORP Com 06605R106 1,336,797 30,864 SH
Other 0 0 0 0
BAXTER INTERNATIONAL INC Com 071813109 481,404 7,294 SH
Sole 0 10,094 0 650
BAXTER INTERNATIONAL INC Com 071813109 161,700 2,450 SH
Defined 0 0 0 0
BAXTER INTERNATIONAL INC Com 071813109 66,000 1,000 SH
Other 0 0 0 0
BELL ATLANTIC CORP Com 077853109 3,033,591 58,691 SH
Sole 0 69,136 800 15,406
BELL ATLANTIC CORP Com 077853109 674,780 13,055 SH
Defined 0 0 0 0
BELL ATLANTIC CORP Com 077853109 702,743 13,596 SH
Other 0 0 0 0
BELLSOUTH CORP Com 079860102 4,337,086 108,258 SH
Sole 0 131,550 1,800 21,102
BELLSOUTH CORP Com 079860102 674,653 16,840 SH
Defined 0 0 0 0
BELLSOUTH CORP Com 079860102 1,175,995 29,354 SH
Other 0 0 0 0
BERKSHIRE HATHAWAY INC CL Com 084670207 192,782 82 SH
Sole 0 186 0 0
BERKSHIRE HATHAWAY INC CL Com 084670207 244,504 104 SH
Defined 0 0 0 0
BESTFOODS Com 08658U101 368,198 7,834 SH
Sole 0 7,834 0 150
BESTFOODS Com 08658U101 7,050 150 SH
Other 0 0 0 0
BOEING CO. Com 097023105 365,500 10,750 SH
Sole 0 12,900 0 1,100
BOEING CO. Com 097023105 62,900 1,850 SH
Defined 0 0 0 0
BOEING CO. Com 097023105 47,600 1,400 SH
Other 0 0 0 0
BOSTON SCIENTIFIC CORP Com 101137107 761,069 18,734 SH
Sole 0 23,434 0 300
BOSTON SCIENTIFIC CORP Com 101137107 203,125 5,000 SH
Defined 0 0 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108 7,990,488 124,608 SH
Sole 0 146,508 6,200 5,200
BRISTOL-MYERS SQUIBB CO Com 110122108 1,532,588 23,900 SH
Defined 0 0 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108 231,876 3,616 SH
Other 0 0 0 0
CCBT BANCORP, INC. Com 12487S105 2,751,989 170,666 SH
Sole 0 0 2,000 962,455
CCBT BANCORP, INC. Com 12487S105 85,463 5,300 SH
Defined 0 0 0 0
CCBT BANCORP, INC. Com 12487S105 12,714,385 788,489 SH
Other 0 0 0 0
CBS CORP Com 12490K107 61,219 1,500 SH
Defined 0 3,300 0 1,928
CBS CORP Com 12490K107 152,149 3,728 SH
Other 0 0 0 0
CIGNA CORP. Com 125509109 486,951 5,810 SH
Sole 0 5,810 0 606
CIGNA CORP. Com 125509109 50,790 606 SH
Other 0 0 0 0
CAMPBELL SOUP Com 134429109 244,125 6,000 SH
Sole 0 6,050 0 0
CAMPBELL SOUP Com 134429109 2,034 50 SH
Defined 0 0 0 0
CARNIVAL CORP COM CL A Com 143658102 208,819 4,300 SH
Sole 0 14,425 0 0
CARNIVAL CORP COM CL A Com 143658102 443,133 9,125 SH
Defined 0 0 0 0
CARNIVAL CORP COM CL A Com 143658102 48,563 1,000 SH
Other 0 0 0 0
CATERPILLAR TRACTOR CO. Com 149123101 135,516 2,950 SH
Sole 0 2,900 0 1,914
CATERPILLAR TRACTOR CO. Com 149123101 85,628 1,864 SH
Other 0 0 0 0
CHASE MANHATTAN CORP NEW Com 16161A108 90,977 1,118 SH
Sole 0 1,326 0 4,362
CHASE MANHATTAN CORP NEW Com 16161A108 16,926 208 SH
Defined 0 0 0 0
CHASE MANHATTAN CORP NEW Com 16161A108 354,958 4,362 SH
Other 0 0 0 0
CHEVRON CORP Com 166751107 659,590 7,432 SH
Sole 0 7,947 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 493,031 4,500 SH
Sole 0 7,330 0 1,300
CISCO SYSTEMS Com 17275R102 167,631 1,530 SH
Defined 0 0 0 0
CISCO SYSTEMS Com 17275R102 284,863 2,600 SH
Other 0 0 0 0
CITIGROUP INC Com 172967101 1,052,341 16,475 SH
Sole 0 19,390 0 7,085
CITIGROUP INC Com 172967101 235,827 3,692 SH
Defined 0 0 0 0
CITIGROUP INC Com 172967101 402,924 6,308 SH
Other 0 0 0 0
CITIGROUP CAP PFD W Pfd 17306K209 232,300 9,200 SH
Sole 0 11,100 0 0
CITIGROUP CAP PFD W Pfd 17306K209 47,975 1,900 SH
Defined 0 0 0 0
CITIZENS UTILITIES CL B Com 177342201 221,007 28,517 SH
Defined 0 28,517 6,801 0
COCA COLA CO. Com 191216100 2,533,130 41,273 SH
Sole 0 49,023 0 4,100
COCA COLA CO. Com 191216100 144,231 2,350 SH
Defined 0 0 0 0
COCA COLA CO. Com 191216100 583,063 9,500 SH
Other 0 0 0 0
COLGATE PALMOLIVE Com 194162103 698,556 7,593 SH
Sole 0 8,793 0 1,200
COLGATE PALMOLIVE Com 194162103 101,200 1,100 SH
Defined 0 0 0 0
COLGATE PALMOLIVE Com 194162103 119,600 1,300 SH
Other 0 0 0 0
COMMONWEALTH ENERGY SYSTE Com 202800108 300,124 7,898 SH
Sole 0 6,498 0 2,534
COMMONWEALTH ENERGY SYSTE Com 202800108 22,800 600 SH
Defined 0 0 0 0
COMMONWEALTH ENERGY SYSTE Com 202800108 20,292 534 SH
Other 0 0 0 0
COMPAQ COMPUTER CORP Com 204493100 323,054 10,195 SH
Sole 0 14,220 0 300
COMPAQ COMPUTER CORP Com 204493100 73,673 2,325 SH
Defined 0 0 0 0
COMPAQ COMPUTER CORP Com 204493100 63,375 2,000 SH
Other 0 0 0 0
CONSOLIDATED EDISON INC. Com 209115104 186,959 4,126 SH
Sole 0 4,126 0 1,900
CONSOLIDATED EDISON INC. Com 209115104 86,094 1,900 SH
Other 0 0 0 0
CONSOLIDATED NATURAL GAS Com 209615103 33,594 690 SH
Sole 0 4,290 800 400
CONSOLIDATED NATURAL GAS Com 209615103 233,700 4,800 SH
Defined 0 0 0 0
CORNING INC Com 219350105 312,000 5,200 SH
Sole 0 5,900 0 1,500
CORNING INC Com 219350105 42,000 700 SH
Defined 0 0 0 0
CORNING INC Com 219350105 90,000 1,500 SH
Other 0 0 0 0
DISNEY WALT COMPANY Com 254687106 370,170 11,893 SH
Sole 0 24,703 0 24
DISNEY WALT COMPANY Com 254687106 90,574 2,910 SH
Defined 0 0 0 0
DISNEY WALT COMPANY Com 254687106 308,885 9,924 SH
Other 0 0 0 0
DOVER CORP. Com 260003108 216,975 6,600 SH
Sole 0 6,600 0 0
DOW CHEMICAL CO Com 260543103 244,897 2,628 SH
Sole 0 7,403 0 600
DOW CHEMICAL CO Com 260543103 444,970 4,775 SH
Defined 0 0 0 0
DOW CHEMICAL CO Com 260543103 55,913 600 SH
Other 0 0 0 0
DUPONT DE NEMOURS & CO Com 263534109 1,261,001 21,718 SH
Sole 0 38,258 0 4,100
DUPONT DE NEMOURS & CO Com 263534109 912,162 15,710 SH
Defined 0 0 0 0
DUPONT DE NEMOURS & CO Com 263534109 286,248 4,930 SH
Other 0 0 0 0
DUKE ENERGY CORP Com 264399106 233,830 4,266 SH
Sole 0 5,441 0 175
DUKE ENERGY CORP Com 264399106 26,036 475 SH
Defined 0 0 0 0
DUKE ENERGY CORP Com 264399106 47,961 875 SH
Other 0 0 0 0
EG & G, INC Com 268457108 211,000 8,000 SH
Sole 0 8,000 0 0
EMC CORP Com 268648102 1,641,588 12,850 SH
Sole 0 16,140 0 200
EMC CORP Com 268648102 407,523 3,190 SH
Defined 0 0 0 0
EMC CORP Com 268648102 38,325 300 SH
Other 0 0 0 0
EASTMAN KODAK CO Com 277461109 185,365 2,902 SH
Sole 0 4,744 0 1,529
EASTMAN KODAK CO Com 277461109 132,221 2,070 SH
Defined 0 0 0 0
EASTMAN KODAK CO Com 277461109 83,101 1,301 SH
Other 0 0 0 0
ELECTRONIC DATA SYS CORP Com 285661104 188,129 3,864 SH
Sole 0 4,584 0 1,535
ELECTRONIC DATA SYS CORP Com 285661104 19,475 400 SH
Defined 0 0 0 0
ELECTRONIC DATA SYS CORP Com 285661104 90,315 1,855 SH
Other 0 0 0 0
EMERSON ELECTRIC CO Com 291011104 141,767 2,678 SH
Sole 0 11,482 0 400
EMERSON ELECTRIC CO Com 291011104 359,975 6,800 SH
Defined 0 0 0 0
EMERSON ELECTRIC CO Com 291011104 127,262 2,404 SH
Other 0 0 0 0
ETHAN ALLEN INTERIORS INC Com 297602104 303,406 7,300 SH
Sole 0 7,300 0 200
ETHAN ALLEN INTERIORS INC Com 297602104 8,313 200 SH
Defined 0 0 0 0
EXXON Com 302290101 7,949,501 112,659 SH
Sole 0 182,796 4,864 47,066
EXXON Com 302290101 3,538,145 50,142 SH
Defined 0 0 0 0
EXXON Com 302290101 5,075,208 71,925 SH
Other 0 0 0 0
FPL GROUP INC Com 302571104 248,784 4,672 SH
Sole 0 4,872 0 200
FPL GROUP INC Com 302571104 21,300 400 SH
Defined 0 0 0 0
FEDERAL NATL MTG ASSN Com 313586109 1,188,192 17,158 SH
Sole 0 22,498 400 400
FEDERAL NATL MTG ASSN Com 313586109 307,470 4,440 SH
Defined 0 0 0 0
FEDERAL NATL MTG ASSN Com 313586109 90,025 1,300 SH
Other 0 0 0 0
FIFTH THIRD BANCORP Com 316773100 1,056,385 16,021 SH
Sole 0 16,021 0 0
FIRST UNION CORP Com 337358105 619,020 11,584 SH
Sole 0 11,889 0 200
FIRST UNION CORP Com 337358105 26,986 505 SH
Defined 0 0 0 0
FLEET FINANCIAL GROUP INC Com 338915101 93,084 2,474 SH
Sole 0 3,274 0 2,902
FLEET FINANCIAL GROUP INC Com 338915101 60,200 1,600 SH
Defined 0 0 0 0
FLEET FINANCIAL GROUP INC Com 338915101 79,088 2,102 SH
Other 0 0 0 0
FORD MOTOR CO Com 345370100 815,166 14,380 SH
Sole 0 16,360 0 900
FORD MOTOR CO Com 345370100 151,923 2,680 SH
Defined 0 0 0 0
FORD MOTOR CO Com 345370100 11,338 200 SH
Other 0 0 0 0
FORTUNE BRANDS INC Com 349631101 225,456 5,856 SH
Sole 0 12,400 900 784
FORTUNE BRANDS INC Com 349631101 60,830 1,580 SH
Defined 0 0 0 0
FORTUNE BRANDS INC Com 349631101 255,948 6,648 SH
Other 0 0 0 0
GTE CORP Com 362320103 2,978,506 49,232 SH
Sole 0 67,157 3,200 1,567
GTE CORP Com 362320103 760,788 12,575 SH
Defined 0 0 0 0
GTE CORP Com 362320103 612,079 10,117 SH
Other 0 0 0 0
ADR GALLAHER GROUP PLC Com 363595109 95,927 4,082 SH
Sole 0 9,946 900 784
ADR GALLAHER GROUP PLC Com 363595109 21,150 900 SH
Defined 0 0 0 0
ADR GALLAHER GROUP PLC Com 363595109 156,228 6,648 SH
Other 0 0 0 0
GANNETT INC Com 364730101 315,000 5,000 SH
Sole 0 10,600 0 400
GANNETT INC Com 364730101 189,000 3,000 SH
Defined 0 0 0 0
GANNETT INC Com 364730101 189,000 3,000 SH
Other 0 0 0 0
GENERAL ELECTRIC CO Com 369604103 24,078,694 217,661 SH
Sole 0 278,040 14,100 59,865
GENERAL ELECTRIC CO Com 369604103 6,735,735 60,888 SH
Defined 0 0 0 0
GENERAL ELECTRIC CO Com 369604103 8,126,070 73,456 SH
Other 0 0 0 0
GENERAL MILLS Com 370334104 248,450 3,288 SH
Sole 0 5,000 0 788
GENERAL MILLS Com 370334104 173,794 2,300 SH
Defined 0 0 0 0
GENERAL MILLS Com 370334104 15,113 200 SH
Other 0 0 0 0
GENERAL MOTORS CORP Com 370442105 372,447 4,281 SH
Sole 0 5,767 0 3,627
GENERAL MOTORS CORP Com 370442105 84,738 974 SH
Defined 0 0 0 0
GENERAL MOTORS CORP Com 370442105 360,093 4,139 SH
Other 0 0 0 0
GENZYME CORP COMM Com 372917104 302,625 6,000 SH
Sole 0 6,500 0 200
GENZYME CORP COMM Com 372917104 25,219 500 SH
Defined 0 0 0 0
GENZYME CORP COMM Com 372917104 10,088 200 SH
Other 0 0 0 0
GILLETTE CO Com 375766102 1,111,184 18,695 SH
Sole 0 23,017 0 16,704
GILLETTE CO Com 375766102 992,844 16,704 SH
Defined 0 0 0 0
GILLETTE CO Com 375766102 256,889 4,322 SH
Other 0 0 0 0
GLAXO WELLCOME PLC SPONSO Com 37733W105 133,875 2,000 SH
Sole 0 2,600 0 1,300
GLAXO WELLCOME PLC SPONSO Com 37733W105 26,775 400 SH
Defined 0 0 0 0
GLAXO WELLCOME PLC SPONSO Com 37733W105 100,406 1,500 SH
Other 0 0 0 0
GLOBAL MARINE INC Com 379352404 134,749 11,468 SH
Sole 0 12,868 0 0
GLOBAL MARINE INC Com 379352404 15,275 1,300 SH
Defined 0 0 0 0
GLOBAL MARINE INC Com 379352404 1,175 100 SH
Other 0 0 0 0
HALLIBURTON CO Com 406216101 117,040 3,040 SH
Sole 0 6,806 0 626
HALLIBURTON CO Com 406216101 98,175 2,550 SH
Defined 0 0 0 0
HALLIBURTON CO Com 406216101 70,917 1,842 SH
Other 0 0 0 0
HAMMETT, J. L. CO. Com 408342103 223,630 2,090 SH
Sole 0 2,440 0 0
HAMMETT, J. L. CO. Com 408342103 37,450 350 SH
Other 0 0 0 0
HEINZ, H.J. CO. Com 423074103 705,324 14,888 SH
Sole 0 18,388 900 1,350
HEINZ, H.J. CO. Com 423074103 165,813 3,500 SH
Defined 0 0 0 0
HEINZ, H.J. CO. Com 423074103 106,594 2,250 SH
Other 0 0 0 0
HEWLETT PACKARD Com 428236103 1,142,302 16,845 SH
Sole 0 25,195 200 350
HEWLETT PACKARD Com 428236103 498,422 7,350 SH
Defined 0 0 0 0
HEWLETT PACKARD Com 428236103 105,109 1,550 SH
Other 0 0 0 0
HOME DEPOT INC Com 437076102 840,375 13,500 SH
Sole 0 22,617 0 100
HOME DEPOT INC Com 437076102 262,508 4,217 SH
Defined 0 0 0 0
HOME DEPOT INC Com 437076102 311,250 5,000 SH
Other 0 0 0 0
ITT INDS INC Com 450911102 433,450 12,253 SH
Sole 0 13,200 0 653
ITT INDS INC Com 450911102 49,525 1,400 SH
Defined 0 0 0 0
ITT INDS INC Com 450911102 7,075 200 SH
Other 0 0 0 0
INTEL CORP Com 458140100 595,378 5,008 SH
Sole 0 8,608 0 1,000
INTEL CORP Com 458140100 297,188 2,500 SH
Defined 0 0 0 0
INTEL CORP Com 458140100 249,638 2,100 SH
Other 0 0 0 0
INTERNATIONAL BUSINESS MA Com 459200101 1,528,072 8,621 SH
Sole 0 17,964 0 3,260
INTERNATIONAL BUSINESS MA Com 459200101 637,923 3,599 SH
Defined 0 0 0 0
INTERNATIONAL BUSINESS MA Com 459200101 1,595,959 9,004 SH
Other 0 0 0 0
JOHNSON & JOHNSON Com 478160104 1,799,875 19,250 SH
Sole 0 31,902 400 3,000
JOHNSON & JOHNSON Com 478160104 927,707 9,922 SH
Defined 0 0 0 0
JOHNSON & JOHNSON Com 478160104 573,155 6,130 SH
Other 0 0 0 0
KIMBERLY CLARK CORP Com 494368103 492,031 10,264 SH
Sole 0 13,236 150 250
KIMBERLY CLARK CORP Com 494368103 103,066 2,150 SH
Defined 0 0 0 0
KIMBERLY CLARK CORP Com 494368103 58,580 1,222 SH
Other 0 0 0 0
LILLY ELI & CO Com 532457108 1,109,316 13,070 SH
Sole 0 25,875 0 100
LILLY ELI & CO Com 532457108 1,095,312 12,905 SH
Defined 0 0 0 0
LINCOLN NATIONAL CORP. IN Com 534187109 237,300 2,400 SH
Sole 0 2,400 0 0
LUCENT TECHNOLOGIES Com 549463107 6,560,028 60,741 SH
Sole 0 76,130 3,242 9,714
LUCENT TECHNOLOGIES Com 549463107 1,810,404 16,763 SH
Defined 0 0 0 0
LUCENT TECHNOLOGIES Com 549463107 1,250,856 11,582 SH
Other 0 0 0 0
MBNA CORP Com 55262L100 39,394 1,650 SH
Sole 0 15,262 0 0
MBNA CORP Com 55262L100 324,987 13,612 SH
Defined 0 0 0 0
MCI WORLDCOM INC Com 55268B106 106,275 1,200 SH
Sole 0 3,875 0 198
MCI WORLDCOM INC Com 55268B106 201,480 2,275 SH
Defined 0 0 0 0
MCI WORLDCOM INC Com 55268B106 52,960 598 SH
Other 0 0 0 0
MCDONALDS CORP. Com 580135101 338,938 7,480 SH
Sole 0 20,142 800 3,240
MCDONALDS CORP. Com 580135101 756,809 16,702 SH
Defined 0 0 0 0
MEDIAONE GROUP INC. Com 58440J104 322,136 5,078 SH
Sole 0 5,924 1,000 1,552
MEDIAONE GROUP INC. Com 58440J104 87,417 1,378 SH
Defined 0 0 0 0
MEDIAONE GROUP INC. Com 58440J104 128,144 2,020 SH
Other 0 0 0 0
MEDTRONIC INC Com 585055106 636,094 8,850 SH
Sole 0 10,300 0 400
MEDTRONIC INC Com 585055106 61,094 850 SH
Defined 0 0 0 0
MEDTRONIC INC Com 585055106 71,875 1,000 SH
Other 0 0 0 0
MELLON BANK CORP Com 585509102 168,900 2,400 SH
Sole 0 5,400 1,500 1,320
MELLON BANK CORP Com 585509102 316,688 4,500 SH
Defined 0 0 0 0
MELLON BANK CORP Com 585509102 92,895 1,320 SH
Other 0 0 0 0
MERCK & COMPANY Com 589331107 5,621,250 70,156 SH
Sole 0 112,826 700 4,294
MERCK & COMPANY Com 589331107 2,805,176 35,010 SH
Defined 0 0 0 0
MERCK & COMPANY Com 589331107 1,013,902 12,654 SH
Other 0 0 0 0
MICROSOFT CORP Com 594918104 89,625 1,000 SH
Sole 0 7,620 0 3,200
MICROSOFT CORP Com 594918104 449,918 5,020 SH
Defined 0 0 0 0
MICROSOFT CORP Com 594918104 430,200 4,800 SH
Other 0 0 0 0
MINN MINING & MFG Com 604059105 593,593 8,390 SH
Sole 0 18,535 200 2,025
MINN MINING & MFG Com 604059105 719,881 10,175 SH
Defined 0 0 0 0
MINN MINING & MFG Com 604059105 155,296 2,195 SH
Other 0 0 0 0
MOBIL CORP Com 607059102 1,909,107 21,694 SH
Sole 0 24,459 150 6,100
MOBIL CORP Com 607059102 358,600 4,075 SH
Defined 0 0 0 0
MOBIL CORP Com 607059102 434,720 4,940 SH
Other 0 0 0 0
MOBILEMEDIA CORP Com 607415106 2,958 22,750 SH
Sole 0 22,750 0 0
MONSANTO COMPANY Com 611662107 237,313 5,166 SH
Sole 0 5,216 0 0
MONSANTO COMPANY Com 611662107 2,297 50 SH
Defined 0 0 0 0
MORGAN, J.P.& CO. Com 616880100 560,369 4,542 SH
Sole 0 7,942 1,300 4,807
MORGAN, J.P.& CO. Com 616880100 493,500 4,000 SH
Defined 0 0 0 0
MORGAN, J.P.& CO. Com 616880100 679,426 5,507 SH
Other 0 0 0 0
MORGAN STANLEY, DEAN WITT Com 617446448 85,147 852 SH
Sole 0 2,290 0 3,272
MORGAN STANLEY, DEAN WITT Com 617446448 54,566 546 SH
Defined 0 0 0 0
MORGAN STANLEY, DEAN WITT Com 617446448 416,140 4,164 SH
Other 0 0 0 0
MOTOROLA INC. Com 620076109 316,806 4,325 SH
Sole 0 8,695 0 225
MOTOROLA INC. Com 620076109 254,178 3,470 SH
Defined 0 0 0 0
MOTOROLA INC. Com 620076109 82,406 1,125 SH
Other 0 0 0 0
NESTLE S A SPONSORED ADR Com 641069406 109,002 1,200 SH
Sole 0 3,900 0 600
NESTLE S A SPONSORED ADR Com 641069406 299,755 3,300 SH
Defined 0 0 0 0
NEW ENGLAND ELECTRIC SYST Com 644001109 222,082 4,579 SH
Sole 0 8,679 500 500
NEW ENGLAND ELECTRIC SYST Com 644001109 92,150 1,900 SH
Defined 0 0 0 0
NEW ENGLAND ELECTRIC SYST Com 644001109 130,950 2,700 SH
Other 0 0 0 0
NEXTEL COMMUNICATIONS INC Com 65332V103 126,356 3,450 SH
Sole 0 4,950 0 1,000
NEXTEL COMMUNICATIONS INC Com 65332V103 54,938 1,500 SH
Defined 0 0 0 0
NEXTEL COMMUNICATIONS INC Com 65332V103 36,625 1,000 SH
Other 0 0 0 0
PNC BANK CORP Com 693475105 47,784 860 SH
Sole 0 6,466 0 760
PNC BANK CORP Com 693475105 5,556 100 SH
Defined 0 0 0 0
PNC BANK CORP Com 693475105 348,155 6,266 SH
Other 0 0 0 0
PPG INDUSTRIES Com 693506107 97,375 1,900 SH
Sole 0 8,396 500 0
PPG INDUSTRIES Com 693506107 102,500 2,000 SH
Defined 0 0 0 0
PPG INDUSTRIES Com 693506107 230,420 4,496 SH
Other 0 0 0 0
PEAPACK GLADSTONE FINANCI Com 704699107 767,865 14,420 SH
Sole 0 14,420 0 0
PENNEY J C COMPANY Com 708160106 551,529 13,618 SH
Defined 0 12,418 1,200 800
PENNEY J C COMPANY Com 708160106 32,400 800 SH
Other 0 0 0 0
PEPSICO, INC Com 713448108 1,368,976 34,934 SH
Sole 0 55,234 0 500
PEPSICO, INC Com 713448108 603,488 15,400 SH
Defined 0 0 0 0
PEPSICO, INC Com 713448108 211,613 5,400 SH
Other 0 0 0 0
PFIZER, INC. Com 717081103 3,397,988 24,490 SH
Sole 0 38,465 700 5,530
PFIZER, INC. Com 717081103 944,194 6,805 SH
Defined 0 0 0 0
PFIZER, INC. Com 717081103 1,859,250 13,400 SH
Other 0 0 0 0
PHILIP MORRIS COS, INC Com 718154107 1,653,742 46,998 SH
Sole 0 66,723 2,400 1,700
PHILIP MORRIS COS, INC Com 718154107 743,336 21,125 SH
Defined 0 0 0 0
PHILIP MORRIS COS, INC Com 718154107 28,150 800 SH
Other 0 0 0 0
PITNEY BOWES INC Com 724479100 204,000 3,200 SH
Sole 0 6,800 0 0
PITNEY BOWES INC Com 724479100 229,500 3,600 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 5,468,489 55,837 SH
Sole 0 67,715 600 6,834
PROCTOR & GAMBLE Com 742718109 822,675 8,400 SH
Defined 0 0 0 0
PROCTOR & GAMBLE Com 742718109 1,068,694 10,912 SH
Other 0 0 0 0
RAYTHEON CO. NEW Com 755111408 196,394 3,350 SH
Sole 0 6,600 0 100
RAYTHEON CO. NEW Com 755111408 55,694 950 SH
Defined 0 0 0 0
RAYTHEON CO. NEW Com 755111408 140,700 2,400 SH
Other 0 0 0 0
ROYAL BANK SCOTLAND GROUP Pfd 780097879 720,000 28,800 SH
Sole 0 33,000 0 0
ROYAL BANK SCOTLAND GROUP Pfd 780097879 105,000 4,200 SH
Defined 0 0 0 0
ROYAL DUTCH PETR CO. N. Com 780257804 235,664 4,532 SH
Sole 0 14,704 400 0
ROYAL DUTCH PETR CO. N. Com 780257804 528,944 10,172 SH
Defined 0 0 0 0
SBC COMMUNICATIONS INC Com 78387G103 2,930,674 62,107 SH
Sole 0 78,294 5,892 18,643
SBC COMMUNICATIONS INC Com 78387G103 1,052,848 22,312 SH
Defined 0 0 0 0
SBC COMMUNICATIONS INC Com 78387G103 868,722 18,410 SH
Other 0 0 0 0
SARA LEE CORP Com 803111103 791,901 31,996 SH
Sole 0 45,846 0 400
SARA LEE CORP Com 803111103 352,688 14,250 SH
Defined 0 0 0 0
SEACOAST FINANCIAL Com 81170Q106 173,267 17,546 SH
Sole 0 220,544 0 0
SEACOAST FINANCIAL Com 81170Q106 2,004,605 202,998 SH
Other 0 0 0 0
SEARS ROEBUCK CO Com 812387108 72,029 1,594 SH
Sole 0 3,737 0 4,318
SEARS ROEBUCK CO Com 812387108 45,188 1,000 SH
Defined 0 0 0 0
SEARS ROEBUCK CO Com 812387108 246,769 5,461 SH
Other 0 0 0 0
SMITHKLINE BEECHAM P L C Com 832378301 357,500 5,000 SH
Defined 0 5,000 0 0
SOUTHERN COMPANY Com 842587107 177,571 7,617 SH
Sole 0 7,609 0 3,832
SOUTHERN COMPANY Com 842587107 9,325 400 SH
Defined 0 0 0 0
SOUTHERN COMPANY Com 842587107 79,822 3,424 SH
Other 0 0 0 0
SPRINT CORP Com 852061100 127,563 1,300 SH
Sole 0 4,300 0 0
SPRINT CORP Com 852061100 294,375 3,000 SH
Defined 0 0 0 0
STAPLES INCORPORATED Com 855030102 378,884 11,525 SH
Sole 0 15,132 0 0
STAPLES INCORPORATED Com 855030102 118,580 3,607 SH
Defined 0 0 0 0
STATE STREET CORP Com 857477103 45,238 550 SH
Sole 0 2,950 0 9,152
STATE STREET CORP Com 857477103 197,400 2,400 SH
Defined 0 0 0 0
STATE STREET CORP Com 857477103 752,752 9,152 SH
Other 0 0 0 0
SUMMIT BANCORP NEW Com 866005101 546,312 14,008 SH
Sole 0 14,608 0 0
SUMMIT BANCORP NEW Com 866005101 23,400 600 SH
Defined 0 0 0 0
SUN MICROSYSTEMS INC Com 866810104 87,544 700 SH
Sole 0 2,457 0 700
SUN MICROSYSTEMS INC Com 866810104 194,722 1,557 SH
Defined 0 0 0 0
SUN MICROSYSTEMS INC Com 866810104 112,556 900 SH
Other 0 0 0 0
SYSCO CORP. Com 871829107 431,525 16,400 SH
Sole 0 16,400 0 0
TJX COMPANIES Com 872540109 826,200 24,300 SH
Sole 0 28,450 0 400
TJX COMPANIES Com 872540109 154,700 4,550 SH
Defined 0 0 0 0
TEXACO, INC. Com 881694103 225,979 3,982 SH
Sole 0 5,072 0 1,764
TEXACO, INC. Com 881694103 59,588 1,050 SH
Defined 0 0 0 0
TEXACO, INC. Com 881694103 102,377 1,804 SH
Other 0 0 0 0
TEXAS INSTRUMENTS Com 882508104 168,725 1,700 SH
Sole 0 2,100 0 550
TEXAS INSTRUMENTS Com 882508104 59,550 600 SH
Defined 0 0 0 0
TEXAS INSTRUMENTS Com 882508104 34,738 350 SH
Other 0 0 0 0
TEXAS UTILITIES CO. Com 882848104 193,200 4,600 SH
Sole 0 5,045 0 500
TEXAS UTILITIES CO. Com 882848104 22,890 545 SH
Defined 0 0 0 0
TEXAS UTILITIES CO. Com 882848104 16,800 400 SH
Other 0 0 0 0
TIME WARNER INC. Com 887315109 439,038 6,200 SH
Sole 0 6,900 0 0
TIME WARNER INC. Com 887315109 49,569 700 SH
Defined 0 0 0 0
TRICON GLOBAL RESTAURANT Com 895953107 303,621 4,322 SH
Sole 0 5,252 0 0
TRICON GLOBAL RESTAURANT Com 895953107 38,638 550 SH
Defined 0 0 0 0
TRICON GLOBAL RESTAURANT Com 895953107 26,695 380 SH
Other 0 0 0 0
UNION PACIFIC CORP Com 907818108 162,557 3,042 SH
Sole 0 11,942 0 1,538
UNION PACIFIC CORP Com 907818108 430,599 8,058 SH
Defined 0 0 0 0
UNION PACIFIC CORP Com 907818108 127,181 2,380 SH
Other 0 0 0 0
U S WEST, INC NEW Com 91273H101 395,459 7,182 SH
Sole 0 13,440 2,227 2,270
U S WEST, INC NEW Com 91273H101 457,569 8,310 SH
Defined 0 0 0 0
U S WEST, INC NEW Com 91273H101 134,628 2,445 SH
Other 0 0 0 0
UNITED TECHNOLOGIES Com 913017109 120,539 890 SH
Sole 0 890 0 3,204
UNITED TECHNOLOGIES Com 913017109 433,942 3,204 SH
Other 0 0 0 0
VULCAN MATERIALS CO Com 929160109 1,809,364 43,797 SH
Sole 0 44,997 0 1,800
VULCAN MATERIALS CO Com 929160109 123,938 3,000 SH
Defined 0 0 0 0
WALGREEN CO. Com 931422109 655,400 23,200 SH
Sole 0 24,200 0 0
WALGREEN CO. Com 931422109 28,250 1,000 SH
Defined 0 0 0 0
WARNER LAMBERT CO Com 934488107 730,605 11,028 SH
Sole 0 19,608 0 0
WARNER LAMBERT CO Com 934488107 568,425 8,580 SH
Defined 0 0 0 0
WELLS FARGO & COMPANY NEW Com 949746101 546,975 15,600 SH
Sole 0 17,400 0 0
WELLS FARGO & COMPANY NEW Com 949746101 63,113 1,800 SH
Defined 0 0 0 0
XEROX CORPORATION Com 984121103 392,606 7,532 SH
Sole 0 7,832 0 2,398
XEROX CORPORATION Com 984121103 15,638 300 SH
Defined 0 0 0 0
XEROX CORPORATION Com 984121103 124,996 2,398 SH
Other 0 0 0 0
DAIMLER CHRYSLER AG ORD Com D1668R123 236,328 2,754 SH
Sole 0 2,615 0 513
DAIMLER CHRYSLER AG ORD Com D1668R123 32,094 374 SH
Defined 0 0 0 0
H.H. SNOW & SONS, INC. Com MA1000395 398,032 6,000 SH
Sole 0 6,000 0 0
</TABLE>
