Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: September 30, 2000
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: Cape Cod Bank and Trust Co N.A.
Address: 307 Main Street
Hyannis, MA 02601
13F File Number : 28-3820
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
information contained herein is true, correct and complete, and
that it is understood that all required ite
schedules, lists, and tables, are considered integral parts of
this form.
Person Signing this Report on Behalf of Reporting Manager :
Name: Karen Lane
Title: Sr Trust Sys Officer
Phone: 508-862-6487
Signature,Place, and Date Of Signing:
Karen Lane Hyannis MA September 30, 2000
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: 147
Form 13F Information Table Value Total: $290,249,271
List of Other Managers: NONE
<PAGE>
<TABLE>
<CAPTION>
Market SH/ Invest Other Voting Authority
Name of Issuer Type Cusip Value Shares/PV PRN Disc Mgrs Sole Shared None
<S> <C> <C> <C> <C> <C><C> <C> <C>
A-H, Inc Equity 0000989A3 544,050 4,030 SH Sole 0 4,030 0 0
AT&T Corp Equity 1957109 3,158,723 107,531 SH Sole 0 144,577 0 21,315
AT&T Corp Equity 1957109 1,180,288 40,180 SH Defined 0 0 0 0
AT&T Corp Equity 1957109 534,067 18,181 SH Other 0 0 0 0
Abbott Laboratories Equity 2824100 1,529,134 32,150 SH Sole 0 33,250 0 4,600
Abbott Laboratories Equity 2824100 33,294 700 SH Defined 0 0 0 0
Abbott Laboratories Equity 2824100 237,813 5,000 SH Other 0 0 0 0
Aetna Inc Com Stk Equity 8117103 200,316 3,450 SH Sole 0 3,450 0 300
Aetna Inc Com Stk Equity 8117103 17,419 300 SH Other 0 0 0 0
Agilent Technologies Inc Equity 00846U101 343,150 7,012 SH Sole 0 9,787 0 495
Agilent Technologies Inc Equity 00846U101 144,219 2,947 SH Defined 0 0 0 0
Agilent Technologies Inc Equity 00846U101 15,807 323 SH Other 0 0 0 0
Alcoa Inc Equity 13817101 172,125 6,800 SH Sole 0 7,400 0 800
Alcoa Inc Equity 13817101 35,438 1,400 SH Defined 0 0 0 0
Allstate Corp Equity 20002101 164,785 4,742 SH Sole 0 8,896 0 7,016
Allstate Corp Equity 20002101 70,751 2,036 SH Defined 0 0 0 0
Allstate Corp Equity 20002101 317,407 9,134 SH Other 0 0 0 0
America Online Inc Del Equity 02364J104 805,444 14,985 SH Sole 0 17,500 0 785
America Online Inc Del Equity 02364J104 123,625 2,300 SH Defined 0 0 0 0
America Online Inc Del Equity 02364J104 53,750 1,000 SH Other 0 0 0 0
American Electric Power Equity 25537101 195,469 4,996 SH Sole 0 5,316 0 5,378
American Electric Power Equity 25537101 26,605 680 SH Defined 0 0 0 0
American Electric Power Equity 25537101 196,329 5,018 SH Other 0 0 0 0
Amer Express Co Equity 25816109 504,833 8,310 SH Sole 0 17,910 0 0
Amer Express Co Equity 25816109 583,200 9,600 SH Defined 0 0 0 0
American General Corp Equity 26351106 546,000 7,000 SH Sole 0 7,000 0 1,248
American General Corp Equity 26351106 97,344 1,248 SH Defined 0 0 0 0
American Home Products Equity 26609107 1,520,061 26,874 SH Sole 0 48,366 0 9,840
American Home Products Equity 26609107 1,414,063 25,000 SH Defined 0 0 0 0
American Home Products Equity 26609107 358,154 6,332 SH Other 0 0 0 0
American Intl Group Inc Equity 26874107 672,779 7,031 SH Sole 0 15,709 0 0
American Intl Group Inc Equity 26874107 801,670 8,378 SH Defined 0 0 0 0
American Intl Group Inc Equity 26874107 28,706 300 SH Other 0 0 0 0
Amgen Inc Equity 31162100 1,613,030 23,100 SH Sole 0 23,900 0 0
Amgen Inc Equity 31162100 55,863 800 SH Other 0 0 0 0
Anheuser Busch Cos Inc Equity 35229103 930,875 22,000 SH Sole 0 21,100 0 2,600
Anheuser Busch Cos Inc Equity 35229103 59,238 1,400 SH Defined 0 0 0 0
Anheuser Busch Cos Inc Equity 35229103 12,694 300 SH Other 0 0 0 0
Applied Matls Inc Equity 38222105 289,445 4,880 SH Sole 0 5,770 0 890
Applied Matls Inc Equity 38222105 99,645 1,680 SH Defined 0 0 0 0
Applied Matls Inc Equity 38222105 5,931 100 SH Other 0 0 0 0
Auto Data Proc Inc Equity 53015103 598,531 8,950 SH Sole 0 14,950 0 0
Auto Data Proc Inc Equity 53015103 401,250 6,000 SH Defined 0 0 0 0
ADR BP Amoco Equity 55622104 1,549,455 29,235 SH Sole 0 52,021 0 8,833
ADR BP Amoco Equity 55622104 1,210,414 22,838 SH Defined 0 0 0 0
ADR BP Amoco Equity 55622104 465,393 8,781 SH Other 0 0 0 0
Bank America Corp Equity 60505104 655,002 12,506 SH Sole 0 13,456 0 613
Bank America Corp Equity 60505104 49,756 950 SH Defined 0 0 0 0
Bank America Corp Equity 60505104 32,106 613 SH Other 0 0 0 0
Bank of NY Co Equity 64057102 1,676,942 29,912 SH Sole 0 37,586 0 13,300
Bank of NY Co Equity 64057102 430,224 7,674 SH Defined 0 0 0 0
Bank of NY Co Equity 64057102 745,631 13,300 SH Other 0 0 0 0
Banc One Corp New Equity 06423A103 570,955 14,782 SH Sole 0 95,663 0 9,661
Banc One Corp New Equity 06423A103 112,746 2,919 SH Defined 0 0 0 0
Banc One Corp New Equity 06423A103 3,384,438 87,623 SH Other 0 0 0 0
Baxter International Inc Equity 71813109 582,152 7,294 SH Sole 0 9,994 0 0
Baxter International Inc Equity 71813109 215,494 2,700 SH Defined 0 0 0 0
Bellsouth Corp Equity 79860102 3,721,233 92,453 SH Sole 0 121,224 0 19,676
Bellsouth Corp Equity 79860102 954,126 23,705 SH Defined 0 0 0 0
Bellsouth Corp Equity 79860102 995,866 24,742 SH Other 0 0 0 0
Benthos Incorporated Equity 82641101 478,202 64,296 SH Other 0 64,296 0 0
Berkshire Hathaway Inc Cl B Equity 84670207 159,390 77 SH Sole 0 171 0 0
Berkshire Hathaway Inc Cl B Equity 84670207 194,580 94 SH Defined 0 0 0 0
Bestfoods Equity 08658U101 453,160 6,229 SH Sole 0 6,229 0 150
Bestfoods Equity 08658U101 10,913 150 SH Other 0 0 0 0
Biogen Inc Equity 90597105 135,725 2,225 SH Sole 0 5,823 0 0
Biogen Inc Equity 90597105 219,478 3,598 SH Defined 0 0 0 0
Boeing Co. Equity 97023105 615,762 9,774 SH Sole 0 10,574 0 226
Boeing Co. Equity 97023105 44,100 700 SH Defined 0 0 0 0
Boeing Co. Equity 97023105 20,538 326 SH Other 0 0 0 0
Boston Scientific Corp Equity 101137107 281,492 17,125 SH Sole 0 19,525 0 0
Boston Scientific Corp Equity 101137107 39,450 2,400 SH Defined 0 0 0 0
Bristol-Myers Squibb Co Equity 110122108 6,501,796 113,817 SH Sole 0 132,607 0 6,230
Bristol-Myers Squibb Co Equity 110122108 1,260,749 22,070 SH Defined 0 0 0 0
Bristol-Myers Squibb Co Equity 110122108 168,519 2,950 SH Other 0 0 0 0
CCBT Financial Cos, Inc. Equity 12500Q102 2,919,512 160,523 SH Sole 0 0 0 1,027,812
CCBT Financial Cos, Inc. Equity 12500Q102 134,588 7,400 SH Defined 0 0 0 0
CCBT Financial Cos, Inc. Equity 12500Q102 15,639,231 859,889 SH Other 0 0 0 0
Cigna Corp. Equity 125509109 460,300 4,409 SH Sole 0 4,409 0 606
Cigna Corp. Equity 125509109 63,266 606 SH Other 0 0 0 0
CVS Corp Com Stk Equity 126650100 407,550 8,800 SH Sole 0 9,500 0 225
CVS Corp Com Stk Equity 126650100 42,839 925 SH Defined 0 0 0 0
Carnival Corp Com Cl A Equity 143658102 7,388 300 SH Sole 0 8,300 0 0
Carnival Corp Com Cl A Equity 143658102 197,000 8,000 SH Defined 0 0 0 0
Chase Manhattan Corp New Equity 16161A108 493,791 10,691 SH Sole 0 11,549 0 6,768
Chase Manhattan Corp New Equity 16161A108 38,382 831 SH Defined 0 0 0 0
Chase Manhattan Corp New Equity 16161A108 313,844 6,795 SH Other 0 0 0 0
Chevron Corp Equity 166751107 608,174 7,134 SH Sole 0 7,774 0 3,900
Chevron Corp Equity 166751107 225,060 2,640 SH Defined 0 0 0 0
Chevron Corp Equity 166751107 161,975 1,900 SH Other 0 0 0 0
Cisco Systems Equity 17275R102 2,220,829 40,196 SH Sole 0 54,816 0 5,600
Cisco Systems Equity 17275R102 669,630 12,120 SH Defined 0 0 0 0
Cisco Systems Equity 17275R102 447,525 8,100 SH Other 0 0 0 0
Citigroup Inc Equity 172967101 2,768,541 51,210 SH Sole 0 54,294 0 12,005
Citigroup Inc Equity 172967101 430,121 7,956 SH Defined 0 0 0 0
Citigroup Inc Equity 172967101 385,628 7,133 SH Other 0 0 0 0
Citigroup Cap Pfd W Preferred 17306K209 217,038 9,700 SH Sole 0 10,900 0 1,600
Citigroup Cap Pfd W Preferred 17306K209 49,225 2,200 SH Defined 0 0 0 0
Citigroup Cap Pfd W Preferred 17306K209 13,425 600 SH Other 0 0 0 0
Citizen Communications CompanEquity 17453B101 333,908 24,849 SH Defined 0 24,849 0 0
Coca Cola Co. Equity 191216100 2,139,456 38,811 SH Sole 0 41,944 0 3,250
Coca Cola Co. Equity 191216100 167,194 3,033 SH Defined 0 0 0 0
Coca Cola Co. Equity 191216100 184,669 3,350 SH Other 0 0 0 0
Colgate Palmolive Equity 194162103 627,099 13,286 SH Sole 0 14,886 0 1,000
Colgate Palmolive Equity 194162103 122,720 2,600 SH Other 0 0 0 0
Constellation Energy Group InEquity 210371100 294,072 5,911 SH Sole 0 5,911 0 0
Corning Inc Equity 219350105 1,510,245 5,085 SH Sole 0 6,150 0 1,435
Corning Inc Equity 219350105 297,000 1,000 SH Defined 0 0 0 0
Corning Inc Equity 219350105 445,500 1,500 SH Other 0 0 0 0
Dean Foods Co Equity 242361103 9,975 300 SH Sole 0 7,100 0 0
Dean Foods Co Equity 242361103 226,100 6,800 SH Defined 0 0 0 0
Disney Equity 254687106 885,220 23,143 SH Sole 0 30,318 0 1,675
Disney Equity 254687106 332,775 8,700 SH Defined 0 0 0 0
Disney Equity 254687106 5,738 150 SH Other 0 0 0 0
Dominion Resources, Inc VA NeEquity 25746U109 245,662 4,231 SH Sole 0 10,537 0 2,103
Dominion Resources, Inc VA NeEquity 25746U109 401,154 6,909 SH Defined 0 0 0 0
Dominion Resources, Inc VA NeEquity 25746U109 87,094 1,500 SH Other 0 0 0 0
Dover Corp. Equity 260003108 280,921 5,985 SH Sole 0 5,985 0 0
Dow Chemical Co Equity 260543103 164,588 6,600 SH Sole 0 19,725 0 1,350
Dow Chemical Co Equity 260543103 327,305 13,125 SH Defined 0 0 0 0
Dow Chemical Co Equity 260543103 33,666 1,350 SH Other 0 0 0 0
Dupont De Nemours & Co Equity 263534109 887,674 21,422 SH Sole 0 37,294 0 4,827
Dupont De Nemours & Co Equity 263534109 619,905 14,960 SH Defined 0 0 0 0
Dupont De Nemours & Co Equity 263534109 237,810 5,739 SH Other 0 0 0 0
Duke Energy Corp Equity 264399106 223,293 2,604 SH Sole 0 3,904 0 175
Duke Energy Corp Equity 264399106 17,150 200 SH Defined 0 0 0 0
Duke Energy Corp Equity 264399106 109,331 1,275 SH Other 0 0 0 0
EMC Corp Equity 268648102 4,890,828 49,340 SH Sole 0 62,494 0 1,310
EMC Corp Equity 268648102 1,314,794 13,264 SH Defined 0 0 0 0
EMC Corp Equity 268648102 118,950 1,200 SH Other 0 0 0 0
Eastman Kodak Co Equity 277461109 190,600 4,663 SH Sole 0 6,507 0 677
Eastman Kodak Co Equity 277461109 99,939 2,445 SH Defined 0 0 0 0
Eastman Kodak Co Equity 277461109 3,107 76 SH Other 0 0 0 0
Emerson Electric Co Equity 291011104 415,400 6,200 SH Sole 0 15,104 0 200
Emerson Electric Co Equity 291011104 462,300 6,900 SH Defined 0 0 0 0
Emerson Electric Co Equity 291011104 147,668 2,204 SH Other 0 0 0 0
Enron Corp Equity 293561106 929,701 10,610 SH Sole 0 12,460 0 1,030
Enron Corp Equity 293561106 217,310 2,480 SH Defined 0 0 0 0
Enron Corp Equity 293561106 35,050 400 SH Other 0 0 0 0
Equity Income Fund 1st ExchanEquity 294700703 1,743,930 11,188 SH Sole 0 11,188 0 0
Exxon Mobil Corp Equity 30231G102 12,193,726 136,816 SH Sole 0 193,195 0 69,500
Exxon Mobil Corp Equity 30231G102 4,616,675 51,800 SH Defined 0 0 0 0
Exxon Mobil Corp Equity 30231G102 6,602,291 74,079 SH Other 0 0 0 0
FPL Group Inc Equity 302571104 205,272 3,122 SH Sole 0 3,422 0 200
FPL Group Inc Equity 302571104 32,875 500 SH Defined 0 0 0 0
Federal Natl Mtg Assn Equity 313586109 1,063,491 14,874 SH Sole 0 18,774 0 500
Federal Natl Mtg Assn Equity 313586109 250,250 3,500 SH Defined 0 0 0 0
Federal Natl Mtg Assn Equity 313586109 64,350 900 SH Other 0 0 0 0
Fifth Third Bancorp Equity 316773100 1,144,521 21,244 SH Sole 0 21,244 0 0
First Union Corp Equity 337358105 218,360 6,784 SH Sole 0 7,427 0 0
First Union Corp Equity 337358105 20,697 643 SH Defined 0 0 0 0
FleetBoston Financial Corp Equity 339030108 1,768,611 45,349 SH Sole 0 111,500 0 44,134
FleetBoston Financial Corp Equity 339030108 2,744,742 70,378 SH Defined 0 0 0 0
FleetBoston Financial Corp Equity 339030108 1,556,373 39,907 SH Other 0 0 0 0
Ford Motor Company New Equity 345370860 307,224 12,137 SH Sole 0 15,197 0 1,099
Ford Motor Company New Equity 345370860 100,201 3,959 SH Defined 0 0 0 0
Ford Motor Company New Equity 345370860 5,063 200 SH Other 0 0 0 0
Fortune Brands Inc Equity 349631101 120,787 4,558 SH Sole 0 10,722 0 900
Fortune Brands Inc Equity 349631101 111,300 4,200 SH Defined 0 0 0 0
Fortune Brands Inc Equity 349631101 75,896 2,864 SH Other 0 0 0 0
Gannett Inc Equity 364730101 185,500 3,500 SH Sole 0 5,700 0 400
Gannett Inc Equity 364730101 106,000 2,000 SH Defined 0 0 0 0
Gannett Inc Equity 364730101 31,800 600 SH Other 0 0 0 0
General Electric Co Equity 369604103 40,290,790 698,432 SH Sole 0 854,205 0 208,764
General Electric Co Equity 369604103 10,123,464 175,488 SH Defined 0 0 0 0
General Electric Co Equity 369604103 10,905,764 189,049 SH Other 0 0 0 0
General Mills Equity 370334104 224,822 6,333 SH Sole 0 10,933 0 1,576
General Mills Equity 370334104 163,300 4,600 SH Defined 0 0 0 0
General Mills Equity 370334104 55,948 1,576 SH Other 0 0 0 0
General Motors Corp Equity 370442105 224,445 3,453 SH Sole 0 4,939 0 3,591
General Motors Corp Equity 370442105 63,310 974 SH Defined 0 0 0 0
General Motors Corp Equity 370442105 266,695 4,103 SH Other 0 0 0 0
Gillette Co Equity 375766102 760,359 24,627 SH Sole 0 30,236 0 16,195
Gillette Co Equity 375766102 667,024 21,604 SH Defined 0 0 0 0
Gillette Co Equity 375766102 6,175 200 SH Other 0 0 0 0
Global Marine Inc Equity 379352404 250,088 8,100 SH Sole 0 8,100 0 0
Goodyear Tire & Rubber Equity 382550101 6,552 364 SH Sole 0 10,408 0 0
Goodyear Tire & Rubber Equity 382550101 180,792 10,044 SH Defined 0 0 0 0
Govt. Securities Inc. Fund GNEquity 383743523 1,769 55,273 SH Sole 0 55,273 0 0
Halliburton Co Equity 406216101 257,705 5,266 SH Sole 0 9,682 0 150
Halliburton Co Equity 406216101 156,600 3,200 SH Defined 0 0 0 0
Halliburton Co Equity 406216101 66,849 1,366 SH Other 0 0 0 0
Heinz, H.J. Co. Equity 423074103 459,575 12,400 SH Sole 0 15,300 0 1,200
Heinz, H.J. Co. Equity 423074103 118,600 3,200 SH Defined 0 0 0 0
Heinz, H.J. Co. Equity 423074103 33,356 900 SH Other 0 0 0 0
Hewlett Packard Equity 428236103 1,762,975 18,175 SH Sole 0 25,350 0 975
Hewlett Packard Equity 428236103 708,100 7,300 SH Defined 0 0 0 0
Hewlett Packard Equity 428236103 82,450 850 SH Other 0 0 0 0
Home Depot Inc Equity 437076102 2,149,350 40,506 SH Sole 0 53,404 0 1,675
Home Depot Inc Equity 437076102 767,974 14,473 SH Defined 0 0 0 0
Home Depot Inc Equity 437076102 5,306 100 SH Other 0 0 0 0
Honeywell Int Inc Equity 438516106 101,531 2,850 SH Sole 0 6,456 0 0
Honeywell Int Inc Equity 438516106 101,745 2,856 SH Defined 0 0 0 0
Honeywell Int Inc Equity 438516106 26,719 750 SH Other 0 0 0 0
Intel Corp Equity 458140100 1,962,111 47,209 SH Sole 0 59,239 0 5,840
Intel Corp Equity 458140100 572,316 13,770 SH Defined 0 0 0 0
Intel Corp Equity 458140100 170,406 4,100 SH Other 0 0 0 0
International Business MachinEquity 459200101 2,248,538 19,987 SH Sole 0 37,947 0 4,669
International Business MachinEquity 459200101 669,600 5,952 SH Defined 0 0 0 0
International Business MachinEquity 459200101 1,876,163 16,677 SH Other 0 0 0 0
Johnson & Johnson Equity 478160104 3,049,681 32,465 SH Sole 0 45,650 0 4,075
Johnson & Johnson Equity 478160104 1,167,643 12,430 SH Defined 0 0 0 0
Johnson & Johnson Equity 478160104 453,718 4,830 SH Other 0 0 0 0
Kimberly Clark Corp Equity 494368103 904,330 16,203 SH Sole 0 19,421 0 1,350
Kimberly Clark Corp Equity 494368103 178,377 3,196 SH Defined 0 0 0 0
Kimberly Clark Corp Equity 494368103 76,575 1,372 SH Other 0 0 0 0
Lilly Eli & Co Equity 532457108 616,550 7,600 SH Sole 0 16,300 0 0
Lilly Eli & Co Equity 532457108 705,788 8,700 SH Defined 0 0 0 0
Lincoln National Corp. Ind. Equity 534187109 221,375 4,600 SH Sole 0 4,600 0 0
Lowes Co Inc. Equity 548661107 179,724 4,005 SH Sole 0 3,250 0 2,230
Lowes Co Inc. Equity 548661107 57,216 1,275 SH Defined 0 0 0 0
Lowes Co Inc. Equity 548661107 8,975 200 SH Other 0 0 0 0
Lucent Technologies Equity 549463107 3,530,336 115,512 SH Sole 0 149,000 0 22,149
Lucent Technologies Equity 549463107 985,793 32,255 SH Defined 0 0 0 0
Lucent Technologies Equity 549463107 714,612 23,382 SH Other 0 0 0 0
MBNA Corp Equity 55262L100 33,187 862 SH Sole 0 14,362 0 0
MBNA Corp Equity 55262L100 519,750 13,500 SH Defined 0 0 0 0
McDonalds Corp. Equity 580135101 216,324 7,166 SH Sole 0 19,290 0 4,040
McDonalds Corp. Equity 580135101 487,951 16,164 SH Defined 0 0 0 0
Medtronic Inc Equity 585055106 1,113,969 21,500 SH Sole 0 22,700 0 500
Medtronic Inc Equity 585055106 82,900 1,600 SH Defined 0 0 0 0
Medtronic Inc Equity 585055106 5,181 100 SH Other 0 0 0 0
Mellon Financial Corp Equity 58551A108 83,475 1,800 SH Sole 0 6,800 0 5,640
Mellon Financial Corp Equity 58551A108 371,000 8,000 SH Defined 0 0 0 0
Mellon Financial Corp Equity 58551A108 122,430 2,640 SH Other 0 0 0 0
Merck & Company Equity 589331107 5,281,415 70,951 SH Sole 0 110,316 0 3,429
Merck & Company Equity 589331107 2,883,709 38,740 SH Defined 0 0 0 0
Merck & Company Equity 589331107 301,770 4,054 SH Other 0 0 0 0
Microsoft Corp Equity 594918104 822,663 13,640 SH Sole 0 22,420 0 5,000
Microsoft Corp Equity 594918104 626,044 10,380 SH Defined 0 0 0 0
Microsoft Corp Equity 594918104 205,063 3,400 SH Other 0 0 0 0
Minn Mining & Mfg Equity 604059105 687,083 7,540 SH Sole 0 16,595 0 2,225
Minn Mining & Mfg Equity 604059105 864,321 9,485 SH Defined 0 0 0 0
Minn Mining & Mfg Equity 604059105 163,569 1,795 SH Other 0 0 0 0
Mobilemedia Corp Equity 607415106 46 22,750 SH Sole 0 22,750 0 0
Morgan, J.P.& Co. Equity 616880100 815,731 4,993 SH Sole 0 8,118 0 5,907
Morgan, J.P.& Co. Equity 616880100 608,572 3,725 SH Defined 0 0 0 0
Morgan, J.P.& Co. Equity 616880100 867,031 5,307 SH Other 0 0 0 0
Morgan Stanley, Dean Witter, Equity 617446448 155,810 1,704 SH Sole 0 4,780 0 6,544
Morgan Stanley, Dean Witter, Equity 617446448 118,137 1,292 SH Defined 0 0 0 0
Morgan Stanley, Dean Witter, Equity 617446448 761,492 8,328 SH Other 0 0 0 0
Motorola Inc. Equity 620076109 594,973 21,061 SH Sole 0 34,671 0 2,940
Motorola Inc. Equity 620076109 456,944 16,175 SH Defined 0 0 0 0
Motorola Inc. Equity 620076109 10,594 375 SH Other 0 0 0 0
Nestle S A Sponsored ADR Equity 641069406 62,484 600 SH Sole 0 3,000 0 0
Nestle S A Sponsored ADR Equity 641069406 249,936 2,400 SH Defined 0 0 0 0
Network Appliance Inc Equity 64120L104 318,438 2,500 SH Sole 0 2,500 0 0
Nextel Communications Inc Cl-Equity 65332V103 322,575 6,900 SH Sole 0 6,900 0 0
Nokia Corporation ADR Equity 654902204 639,986 16,075 SH Sole 0 18,370 0 1,245
Nokia Corporation ADR Equity 654902204 136,955 3,440 SH Defined 0 0 0 0
Nokia Corporation ADR Equity 654902204 3,981 100 SH Other 0 0 0 0
ADR Nortel Networks Corp New Equity 656568102 1,257,186 21,107 SH Sole 0 23,327 0 0
ADR Nortel Networks Corp New Equity 656568102 132,229 2,220 SH Defined 0 0 0 0
NSTAR Com Equity 6.70E+111 328,118 8,152 SH Sole 0 6,452 0 2,360
NSTAR Com Equity 6.70E+111 4,025 100 SH Defined 0 0 0 0
NSTAR Com Equity 6.70E+111 22,540 560 SH Other 0 0 0 0
Onyx Acceptance Corp Equity 682914106 98,438 25,000 SH Defined 0 25,000 0 0
Oracle Systems Corporation Equity 68389X105 183,094 2,325 SH Sole 0 5,119 0 0
Oracle Systems Corporation Equity 68389X105 72,450 920 SH Defined 0 0 0 0
Oracle Systems Corporation Equity 68389X105 147,578 1,874 SH Other 0 0 0 0
PNC Bank Corp Equity 693475105 49,400 760 SH Sole 0 4,766 0 760
PNC Bank Corp Equity 693475105 292,500 4,500 SH Defined 0 0 0 0
PNC Bank Corp Equity 693475105 17,290 266 SH Other 0 0 0 0
PPG Industries Equity 693506107 63,500 1,600 SH Sole 0 6,896 0 0
PPG Industries Equity 693506107 31,750 800 SH Defined 0 0 0 0
PPG Industries Equity 693506107 178,435 4,496 SH Other 0 0 0 0
Peapack Gladstone Financial Equity 704699107 537,506 15,141 SH Sole 0 15,141 0 0
Pepsico, Inc Equity 713448108 1,519,380 33,030 SH Sole 0 46,588 0 895
Pepsico, Inc Equity 713448108 628,038 13,653 SH Defined 0 0 0 0
Pepsico, Inc Equity 713448108 36,800 800 SH Other 0 0 0 0
Perkinelmer Inc Equity 714046109 835,000 8,000 SH Sole 0 8,000 0 0
Pfizer, Inc. Equity 717081103 3,724,150 82,874 SH Sole 0 148,029 0 14,190
Pfizer, Inc. Equity 717081103 3,264,485 72,645 SH Defined 0 0 0 0
Pfizer, Inc. Equity 717081103 301,081 6,700 SH Other 0 0 0 0
Pharmacia Corp Com Equity 71713U102 189,591 3,150 SH Sole 0 3,450 0 0
Pharmacia Corp Com Equity 71713U102 18,056 300 SH Defined 0 0 0 0
Philip Morris Cos, Inc Equity 718154107 785,304 26,677 SH Sole 0 44,177 0 1,700
Philip Morris Cos, Inc Equity 718154107 535,763 18,200 SH Defined 0 0 0 0
Philip Morris Cos, Inc Equity 718154107 29,438 1,000 SH Other 0 0 0 0
Pitney Bowes Inc Equity 724479100 126,200 3,200 SH Sole 0 5,200 0 0
Pitney Bowes Inc Equity 724479100 78,875 2,000 SH Defined 0 0 0 0
Pleasant Bay Corp Equity 728990102 1,405,809 8,135 SH Sole 0 8,135 0 0
Procter & Gamble Equity 742718109 3,877,380 57,871 SH Sole 0 71,999 0 2,425
Procter & Gamble Equity 742718109 785,575 11,725 SH Defined 0 0 0 0
Procter & Gamble Equity 742718109 323,476 4,828 SH Other 0 0 0 0
Quaker Oats Co. Equity 747402105 186,260 2,354 SH Sole 0 2,554 0 0
Quaker Oats Co. Equity 747402105 15,825 200 SH Defined 0 0 0 0
Qwest Communications Intl IncEquity 749121109 576,990 12,005 SH Sole 0 24,097 0 5,650
Qwest Communications Intl IncEquity 749121109 633,848 13,188 SH Defined 0 0 0 0
Qwest Communications Intl IncEquity 749121109 218,877 4,554 SH Other 0 0 0 0
Royal Bank Of Scotland Group Preferred 780097879 340,688 15,800 SH Sole 0 18,600 0 600
Royal Bank Of Scotland Group Preferred 780097879 60,375 2,800 SH Defined 0 0 0 0
Royal Bank Of Scotland Group Preferred 780097879 12,938 600 SH Other 0 0 0 0
Royal Dutch Petr Co. N. Equity 780257804 412,490 6,882 SH Sole 0 17,004 0 0
Royal Dutch Petr Co. N. Equity 780257804 606,687 10,122 SH Defined 0 0 0 0
SBC Communications Inc Equity 78387G103 4,519,400 90,388 SH Sole 0 120,786 0 34,195
SBC Communications Inc Equity 78387G103 1,437,750 28,755 SH Defined 0 0 0 0
SBC Communications Inc Equity 78387G103 1,791,900 35,838 SH Other 0 0 0 0
Safeco Corporation Equity 786429100 569,525 20,900 SH Sole 0 20,900 0 0
Sara Lee Corp Equity 803111103 352,686 17,363 SH Sole 0 31,063 0 0
Sara Lee Corp Equity 803111103 278,281 13,700 SH Defined 0 0 0 0
Schlumberger, Ltd Equity 806857108 420,205 5,105 SH Sole 0 6,130 0 980
Schlumberger, Ltd Equity 806857108 156,805 1,905 SH Defined 0 0 0 0
Schlumberger, Ltd Equity 806857108 8,231 100 SH Other 0 0 0 0
Seacoast Financial Equity 81170Q106 157,806 14,346 SH Sole 0 14,346 0 0
Sears Roebuck Co Equity 812387108 35,467 1,094 SH Sole 0 2,837 0 4,246
Sears Roebuck Co Equity 812387108 19,452 600 SH Defined 0 0 0 0
Sears Roebuck Co Equity 812387108 174,711 5,389 SH Other 0 0 0 0
Smithkline Beecham P L C ADR Equity 832378301 549,000 8,000 SH Defined 0 8,000 0 0
Southern Company Equity 842587107 177,790 5,481 SH Sole 0 7,277 0 2,532
Southern Company Equity 842587107 61,761 1,904 SH Defined 0 0 0 0
Southern Company Equity 842587107 78,629 2,424 SH Other 0 0 0 0
Sprint Corp Equity 852061100 85,006 2,900 SH Sole 0 9,200 0 0
Sprint Corp Equity 852061100 184,669 6,300 SH Defined 0 0 0 0
Staples Incorporated (Retail Equity 855030102 290,305 20,462 SH Sole 0 20,425 0 1,587
Staples Incorporated (Retail Equity 855030102 21,991 1,550 SH Defined 0 0 0 0
State Street Corp Equity 857477103 58,500 450 SH Sole 0 1,850 0 8,432
State Street Corp Equity 857477103 182,000 1,400 SH Defined 0 0 0 0
State Street Corp Equity 857477103 1,096,160 8,432 SH Other 0 0 0 0
Summit Bancorp New Equity 866005101 400,476 11,608 SH Sole 0 11,608 0 300
Summit Bancorp New Equity 866005101 10,350 300 SH Other 0 0 0 0
Sun Microsystems Inc Equity 866810104 963,188 8,250 SH Sole 0 11,320 0 1,100
Sun Microsystems Inc Equity 866810104 340,910 2,920 SH Defined 0 0 0 0
Sun Microsystems Inc Equity 866810104 145,938 1,250 SH Other 0 0 0 0
Sysco Corp. Equity 871829107 759,525 16,400 SH Sole 0 16,400 0 0
Target Corp Equity 8.76E+110 242,413 9,460 SH Sole 0 8,900 0 860
Target Corp Equity 8.76E+110 7,688 300 SH Defined 0 0 0 0
Texaco, Inc. Equity 881694103 293,528 5,591 SH Sole 0 6,431 0 300
Texaco, Inc. Equity 881694103 42,000 800 SH Defined 0 0 0 0
Texaco, Inc. Equity 881694103 17,850 340 SH Other 0 0 0 0
Texas Instruments Equity 882508104 222,253 4,710 SH Sole 0 7,480 0 310
Texas Instruments Equity 882508104 135,900 2,880 SH Defined 0 0 0 0
Texas Instruments Equity 882508104 9,438 200 SH Other 0 0 0 0
Time Warner Inc. Equity 887315109 680,775 8,700 SH Sole 0 9,800 0 0
Time Warner Inc. Equity 887315109 86,075 1,100 SH Defined 0 0 0 0
Tyco Intl Ltd New Equity 902124106 2,355,384 45,405 SH Sole 0 53,277 0 3,120
Tyco Intl Ltd New Equity 902124106 562,429 10,842 SH Defined 0 0 0 0
Tyco Intl Ltd New Equity 902124106 7,781 150 SH Other 0 0 0 0
Union Pacific Corp Equity 907818108 111,960 2,880 SH Sole 0 9,980 0 758
Union Pacific Corp Equity 907818108 305,480 7,858 SH Defined 0 0 0 0
United National Bancorp Equity 910909100 345,628 19,472 SH Sole 0 19,472 0 0
United Technologies Equity 913017109 130,190 1,880 SH Sole 0 1,880 0 5,640
United Technologies Equity 913017109 390,570 5,640 SH Other 0 0 0 0
Verizon Communication Equity 92343V104 5,252,910 108,447 SH Sole 0 143,136 0 16,883
Verizon Communication Equity 92343V104 1,626,628 33,582 SH Defined 0 0 0 0
Verizon Communication Equity 92343V104 871,391 17,990 SH Other 0 0 0 0
Vodafone Group PLC Equity 92857W100 453,139 12,247 SH Sole 0 15,347 0 6,725
Vodafone Group PLC Equity 92857W100 55,315 1,495 SH Defined 0 0 0 0
Vodafone Group PLC Equity 92857W100 308,210 8,330 SH Other 0 0 0 0
Vulcan Materials Co Equity 929160109 875,967 21,797 SH Sole 0 22,197 0 1,600
Vulcan Materials Co Equity 929160109 44,206 1,100 SH Defined 0 0 0 0
Vulcan Materials Co Equity 929160109 36,169 900 SH Other 0 0 0 0
Wal Mart Stores Inc Equity 931142103 136,434 2,835 SH Sole 0 4,973 0 0
Wal Mart Stores Inc Equity 931142103 102,891 2,138 SH Defined 0 0 0 0
Walgreen Co. Equity 931422109 837,660 22,080 SH Sole 0 22,480 0 0
Walgreen Co. Equity 931422109 15,175 400 SH Defined 0 0 0 0
Washington Mut Inc Equity 939322103 11,944 300 SH Sole 0 6,300 0 0
Washington Mut Inc Equity 939322103 238,875 6,000 SH Defined 0 0 0 0
Wells Fargo & Company New Equity 949746101 1,608,410 35,013 SH Sole 0 35,988 0 2,035
Wells Fargo & Company New Equity 949746101 129,084 2,810 SH Defined 0 0 0 0
Wells Fargo & Company New Equity 949746101 9,188 200 SH Other 0 0 0 0
Worldcom Inc GA New Equity 98157D106 644,163 21,207 SH Sole 0 37,499 0 847
Worldcom Inc GA New Equity 98157D106 477,404 15,717 SH Defined 0 0 0 0
Worldcom Inc GA New Equity 98157D106 43,193 1,422 SH Other 0 0 0 0
Xerox Corporation Equity 984121103 116,734 7,750 SH Sole 0 8,740 0 1,398
Xerox Corporation Equity 984121103 13,406 890 SH Defined 0 0 0 0
Xerox Corporation Equity 984121103 22,564 1,498 SH Other 0 0 0 0
H.H. Snow & Sons, Inc. Equity MA1000395 1,194,960 6,000 SH Sole 0 6,000 0 0
</TABLE>
