SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter June 30, 2000
Check here if Amendment [ ]; Amendment Number
This Amendment (Check Only one.): [ ] is a restatement.
[ ] adds new holdings
Institutional Investment Manager Filing this Report
Name: Cape Cod Bank and Trust Company
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 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: Karen V Lane
Title: Sr Tr System Officer
Phone 508-862-6487
Signature, Place, and Date Of Signing:
>
Karen V Lane Hyannis, MA June 30, 2000
Report Type (Check only one.):
[X] 13F HOLDINGS REPORT.
[ ] 13F NOTICE.
[ ] 13F COMBINATION REPORT.
List of Other Managers Reporting for this Manager: Ended:
entries.
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 147
Form 13F Information Table Value $290,249,271
List of Other Managers: NONE
<PAGE>
<TABLE>
<CAPTION>
13 F Report Of Managed Assets
As Of Date : 06/30/2000
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>
A-H, Inc Equity 0000989A3 544,050 4,030 SH Sole 0 4,030 0 0
AT&T Corp Equity 001957109 3,168,825 100,200 SH Sole 0 142,644 0 22,107
AT&T Corp Equity 001957109 1,534,603 48,525 SH Defined 0 0 0 0
AT&T Corp Equity 001957109 506,822 16,026 SH Other 0 0 0 0
Abbott Laboratories Equity 002824100 1,454,966 32,650 SH Sole 0 33,900 0 4,800
Abbott Laboratories Equity 002824100 37,878 850 SH Defined 0 0 0 0
Abbott Laboratories Equity 002824100 231,725 5,200 SH Other 0 0 0 0
Aetna Inc Com Stk Equity 008117103 221,447 3,450 SH Sole 0 3,750 0 300
Aetna Inc Com Stk Equity 008117103 19,256 300 SH Defined 0 0 0 0
Aetna Inc Com Stk Equity 008117103 19,256 300 SH Other 0 0 0 0
Agilent Technologies Inc Equity 00846U101 522,814 7,089 SH Sole 0 9,973 0 390
Agilent Technologies Inc Equity 00846U101 217,636 2,951 SH Defined 0 0 0 0
Agilent Technologies Inc Equity 00846U101 23,821 323 SH Other 0 0 0 0
Alcoa Inc Equity 013817101 208,800 7,200 SH Sole 0 7,800 0 800
Alcoa Inc Equity 013817101 40,600 1,400 SH Defined 0 0 0 0
Allstate Corp Equity 020002101 105,510 4,742 SH Sole 0 9,096 0 7,704
Allstate Corp Equity 020002101 65,059 2,924 SH Defined 0 0 0 0
Allstate Corp Equity 020002101 203,232 9,134 SH Other 0 0 0 0
America Online Inc Del Equity 02364J104 736,835 13,985 SH Sole 0 16,895 0 1,000
America Online Inc Del Equity 02364J104 153,321 2,910 SH Defined 0 0 0 0
America Online Inc Del Equity 02364J104 52,688 1,000 SH Other 0 0 0 0
American Electric Power Equity 025537101 125,521 4,237 SH Sole 0 4,917 0 6,218
American Electric Power Equity 025537101 20,145 680 SH Defined 0 0 0 0
American Electric Power Equity 025537101 184,208 6,218 SH Other 0 0 0 0
Amer Express Co Equity 025816109 433,159 8,310 SH Sole 0 18,210 0 300
Amer Express Co Equity 025816109 531,675 10,200 SH Defined 0 0 0 0
American General Corp Equity 026351106 467,260 7,660 SH Sole 0 7,660 0 1,248
American General Corp Equity 026351106 76,128 1,248 SH Defined 0 0 0 0
American Home Products Equity 026609107 1,617,035 27,524 SH Sole 0 49,424 0 9,432
American Home Products Equity 026609107 1,468,750 25,000 SH Defined 0 0 0 0
American Home Products Equity 026609107 372,005 6,332 SH Other 0 0 0 0
American Intl Group Inc Equity 026874107 435,338 3,705 SH Sole 0 9,612 0 0
American Intl Group Inc Equity 026874107 682,323 5,807 SH Defined 0 0 0 0
American Intl Group Inc Equity 026874107 11,750 100 SH Other 0 0 0 0
Amgen Inc Equity 031162100 1,615,750 23,000 SH Sole 0 23,700 0 100
Amgen Inc Equity 031162100 56,200 800 SH Other 0 0 0 0
Anheuser Busch Cos Inc Equity 035229103 761,813 10,200 SH Sole 0 10,567 0 4,568
Anheuser Busch Cos Inc Equity 035229103 297,630 3,985 SH Defined 0 0 0 0
Anheuser Busch Cos Inc Equity 035229103 70,953 950 SH Other 0 0 0 0
Apple Computer Inc Equity 037833100 194,835 3,720 SH Sole 0 5,052 0 1,050
Apple Computer Inc Equity 037833100 124,757 2,382 SH Defined 0 0 0 0
Applied Matls Inc Equity 038222105 276,859 3,055 SH Sole 0 4,155 0 550
Applied Matls Inc Equity 038222105 145,000 1,600 SH Defined 0 0 0 0
Applied Matls Inc Equity 038222105 4,531 50 SH Other 0 0 0 0
Auto Data Proc Inc Equity 053015103 484,741 9,050 SH Sole 0 15,050 0 0
Auto Data Proc Inc Equity 053015103 321,375 6,000 SH Defined 0 0 0 0
ADR BP Amoco Equity 055622104 1,597,891 28,250 SH Sole 0 50,824 0 9,135
ADR BP Amoco Equity 055622104 1,279,783 22,626 SH Defined 0 0 0 0
ADR BP Amoco Equity 055622104 513,757 9,083 SH Other 0 0 0 0
Bank America Corp Equity 060505104 456,746 10,622 SH Sole 0 11,672 0 2,325
Bank America Corp Equity 060505104 118,766 2,762 SH Defined 0 0 0 0
Bank America Corp Equity 060505104 26,359 613 SH Other 0 0 0 0
Bank of NY Co Equity 064057102 1,092,750 23,500 SH Sole 0 33,224 0 13,600
Bank of NY Co Equity 064057102 452,166 9,724 SH Defined 0 0 0 0
Bank of NY Co Equity 064057102 632,400 13,600 SH Other 0 0 0 0
Banc One Corp New Equity 06423A103 415,145 15,629 SH Sole 0 96,510 0 9,794
Banc One Corp New Equity 06423A103 77,536 2,919 SH Defined 0 0 0 0
Banc One Corp New Equity 06423A103 2,331,019 87,756 SH Other 0 0 0 0
Baxter International Inc Equity 071813109 512,859 7,294 SH Sole 0 9,994 0 100
Baxter International Inc Equity 071813109 196,875 2,800 SH Defined 0 0 0 0
Bell Atlantic Corp Equity 077853109 2,700,329 53,143 SH Sole 0 69,712 0 14,291
Bell Atlantic Corp Equity 077853109 862,898 16,982 SH Defined 0 0 0 0
Bell Atlantic Corp Equity 077853109 705,176 13,878 SH Other 0 0 0 0
Bellsouth Corp Equity 079860102 4,016,682 94,233 SH Sole 0 124,276 0 21,872
Bellsouth Corp Equity 079860102 1,185,018 27,801 SH Defined 0 0 0 0
Bellsouth Corp Equity 079860102 1,027,859 24,114 SH Other 0 0 0 0
Benthos Incorporated Equity 082641101 547,577 66,373 SH Other 0 66,373 0 0
Berkshire Hathaway Inc Cl B Equity 084670207 135,520 77 SH Sole 0 171 0 0
Berkshire Hathaway Inc Cl B Equity 084670207 165,440 94 SH Defined 0 0 0 0
Bestfoods Equity 08658U101 403,658 5,829 SH Sole 0 7,029 0 150
Bestfoods Equity 08658U101 83,100 1,200 SH Defined 0 0 0 0
Bestfoods Equity 08658U101 10,388 150 SH Other 0 0 0 0
Biogen Inc Equity 090597105 45,150 700 SH Sole 0 4,728 0 0
Biogen Inc Equity 090597105 259,806 4,028 SH Defined 0 0 0 0
Boeing Co. Equity 097023105 408,675 9,774 SH Sole 0 10,574 0 226
Boeing Co. Equity 097023105 29,269 700 SH Defined 0 0 0 0
Boeing Co. Equity 097023105 13,631 326 SH Other 0 0 0 0
Boston Scientific Corp Equity 101137107 402,751 18,359 SH Sole 0 20,759 0 400
Boston Scientific Corp Equity 101137107 52,650 2,400 SH Defined 0 0 0 0
Boston Scientific Corp Equity 101137107 8,775 400 SH Other 0 0 0 0
Bristol-Myers Squibb Co Equity 110122108 6,697,876 114,985 SH Sole 0 133,905 0 41,876
Bristol-Myers Squibb Co Equity 110122108 3,369,530 57,846 SH Defined 0 0 0 0
Bristol-Myers Squibb Co Equity 110122108 171,838 2,950 SH Other 0 0 0 0
Burlington Northn Santa Fe Corp Equity 12189T104 41,104 1,792 SH Sole 0 1,892 0 9,615
Burlington Northn Santa Fe Corp Equity 12189T104 190,909 8,323 SH Defined 0 0 0 0
Burlington Northn Santa Fe Corp Equity 12189T104 31,929 1,392 SH Other 0 0 0 0
CCBT Financial Cos, Inc. Equity 12500Q102 2,518,112 160,198 SH Sole 0 0 0 900,651
CCBT Financial Cos, Inc. Equity 12500Q102 118,488 7,538 SH Defined 0 0 0 0
CCBT Financial Cos, Inc. Equity 12500Q102 11,520,508 732,915 SH Other 0 0 0 0
Cigna Corp. Equity 125509109 412,242 4,409 SH Sole 0 4,409 0 606
Cigna Corp. Equity 125509109 56,661 606 SH Other 0 0 0 0
CVS Corp Com Stk Equity 126650100 344,000 8,600 SH Sole 0 10,950 0 225
CVS Corp Com Stk Equity 126650100 103,000 2,575 SH Defined 0 0 0 0
Chase Manhattan Corp New Equity 16161A108 499,364 10,841 SH Sole 0 11,699 0 6,768
Chase Manhattan Corp New Equity 16161A108 38,278 831 SH Defined 0 0 0 0
Chase Manhattan Corp New Equity 16161A108 312,995 6,795 SH Other 0 0 0 0
Chevron Corp Equity 166751107 622,015 7,334 SH Sole 0 7,974 0 4,164
Chevron Corp Equity 166751107 246,296 2,904 SH Defined 0 0 0 0
Chevron Corp Equity 166751107 161,144 1,900 SH Other 0 0 0 0
Cisco Systems Equity 17275R102 2,112,881 33,241 SH Sole 0 49,908 0 5,800
Cisco Systems Equity 17275R102 913,202 14,367 SH Defined 0 0 0 0
Cisco Systems Equity 17275R102 514,856 8,100 SH Other 0 0 0 0
Citigroup Inc Equity 172967101 2,223,466 36,904 SH Sole 0 40,786 0 8,290
Citigroup Inc Equity 172967101 411,026 6,822 SH Defined 0 0 0 0
Citigroup Inc Equity 172967101 322,338 5,350 SH Other 0 0 0 0
Citigroup Cap Pfd W Preferred Stock 17306K209 262,913 12,300 SH Sole 0 14,200 0 2,200
Citigroup Cap Pfd W Preferred Stock 17306K209 74,813 3,500 SH Defined 0 0 0 0
Citigroup Cap Pfd W Preferred Stock 17306K209 12,825 600 SH Other 0 0 0 0
Citizen Communications Company Equity 17453B101 460,282 26,683 SH Defined 0 26,683 0 0
Coca Cola Co. Equity 191216100 2,143,051 37,311 SH Sole 0 40,314 0 3,750
Coca Cola Co. Equity 191216100 195,460 3,403 SH Defined 0 0 0 0
Coca Cola Co. Equity 191216100 192,416 3,350 SH Other 0 0 0 0
Colgate Palmolive Equity 194162103 921,237 15,386 SH Sole 0 17,086 0 1,400
Colgate Palmolive Equity 194162103 29,938 500 SH Defined 0 0 0 0
Colgate Palmolive Equity 194162103 155,675 2,600 SH Other 0 0 0 0
Constellation Energy Group Inc Equity 210371100 198,924 6,109 SH Sole 0 6,409 0 0
Constellation Energy Group Inc Equity 210371100 9,769 300 SH Defined 0 0 0 0
Corning Inc Equity 219350105 1,379,061 5,110 SH Sole 0 6,010 0 1,400
Corning Inc Equity 219350105 242,888 900 SH Defined 0 0 0 0
Corning Inc Equity 219350105 377,825 1,400 SH Other 0 0 0 0
Dean Foods Co Equity 242361103 9,506 300 SH Sole 0 7,100 0 0
Dean Foods Co Equity 242361103 215,475 6,800 SH Defined 0 0 0 0
Disney Equity 254687106 739,106 19,043 SH Sole 0 29,935 0 450
Disney Equity 254687106 440,211 11,342 SH Defined 0 0 0 0
Dominion Resources, Inc VA New Equity 25746U109 180,118 4,201 SH Sole 0 10,776 0 2,284
Dominion Resources, Inc VA New Equity 25746U109 315,517 7,359 SH Defined 0 0 0 0
Dominion Resources, Inc VA New Equity 25746U109 64,313 1,500 SH Other 0 0 0 0
Dover Corp. Equity 260003108 242,767 5,985 SH Sole 0 5,985 0 0
Dow Chemical Co Equity 260543103 249,228 8,256 SH Sole 0 21,381 0 1,350
Dow Chemical Co Equity 260543103 396,211 13,125 SH Defined 0 0 0 0
Dow Chemical Co Equity 260543103 40,753 1,350 SH Other 0 0 0 0
Dupont De Nemours & Co Equity 263534109 932,225 21,308 SH Sole 0 37,348 0 4,125
Dupont De Nemours & Co Equity 263534109 661,063 15,110 SH Defined 0 0 0 0
Dupont De Nemours & Co Equity 263534109 221,156 5,055 SH Other 0 0 0 0
EMC Corp Equity 268648102 3,584,518 46,590 SH Sole 0 62,454 0 2,110
EMC Corp Equity 268648102 1,290,550 16,774 SH Defined 0 0 0 0
EMC Corp Equity 268648102 92,325 1,200 SH Other 0 0 0 0
Eastman Kodak Co Equity 277461109 271,558 4,564 SH Sole 0 6,508 0 3,899
Eastman Kodak Co Equity 277461109 343,137 5,767 SH Defined 0 0 0 0
Eastman Kodak Co Equity 277461109 4,522 76 SH Other 0 0 0 0
Electronic Data Sys Corp Equity 285661104 105,765 2,564 SH Sole 0 3,084 0 1,807
Electronic Data Sys Corp Equity 285661104 35,970 872 SH Defined 0 0 0 0
Electronic Data Sys Corp Equity 285661104 60,019 1,455 SH Other 0 0 0 0
Emerson Electric Co Equity 291011104 312,622 5,178 SH Sole 0 14,082 0 0
Emerson Electric Co Equity 291011104 416,588 6,900 SH Defined 0 0 0 0
Emerson Electric Co Equity 291011104 120,992 2,004 SH Other 0 0 0 0
Enron Corp Equity 293561106 400,545 6,210 SH Sole 0 10,035 0 705
Enron Corp Equity 293561106 272,835 4,230 SH Defined 0 0 0 0
Enron Corp Equity 293561106 19,350 300 SH Other 0 0 0 0
Equity Income Fund 1st Exchange AT&T Equity 294700703 1,952,306 11,188 SH Sole 0 11,188 0 0
Shrs
Exxon Mobil Corp Equity 30231G102 11,403,381 145,266 SH Sole 0 205,974 0 64,169
Exxon Mobil Corp Equity 30231G102 4,277,779 54,494 SH Defined 0 0 0 0
Exxon Mobil Corp Equity 30231G102 5,525,066 70,383 SH Other 0 0 0 0
Federal Natl Mtg Assn Equity 313586109 779,681 14,940 SH Sole 0 18,890 0 700
Federal Natl Mtg Assn Equity 313586109 195,703 3,750 SH Defined 0 0 0 0
Federal Natl Mtg Assn Equity 313586109 46,969 900 SH Other 0 0 0 0
Fifth Third Bancorp Equity 316773100 916,872 14,496 SH Sole 0 14,496 0 0
FleetBoston Financial Corp Equity 339030108 1,540,778 45,317 SH Sole 0 117,588 0 40,702
FleetBoston Financial Corp Equity 339030108 2,554,046 75,119 SH Defined 0 0 0 0
FleetBoston Financial Corp Equity 339030108 1,287,036 37,854 SH Other 0 0 0 0
Ford Motor Co Equity 345370100 306,934 7,138 SH Sole 0 9,388 0 800
Ford Motor Co Equity 345370100 122,550 2,850 SH Defined 0 0 0 0
Ford Motor Co Equity 345370100 8,600 200 SH Other 0 0 0 0
Fortune Brands Inc Equity 349631101 109,778 4,760 SH Sole 0 10,924 0 900
Fortune Brands Inc Equity 349631101 96,863 4,200 SH Defined 0 0 0 0
Fortune Brands Inc Equity 349631101 66,051 2,864 SH Other 0 0 0 0
GTE Corp Equity 362320103 2,775,412 44,585 SH Sole 0 60,230 0 10,819
GTE Corp Equity 362320103 1,480,118 23,777 SH Defined 0 0 0 0
GTE Corp Equity 362320103 167,266 2,687 SH Other 0 0 0 0
Gannett Inc Equity 364730101 209,344 3,500 SH Sole 0 5,500 0 400
Gannett Inc Equity 364730101 119,625 2,000 SH Defined 0 0 0 0
Gannett Inc Equity 364730101 23,925 400 SH Other 0 0 0 0
General Electric Co Equity 369604103 37,103,221 700,061 SH Sole 0 873,139 0 247,243
General Electric Co Equity 369604103 11,270,344 212,648 SH Defined 0 0 0 0
General Electric Co Equity 369604103 11,006,669 207,673 SH Other 0 0 0 0
General Mills Equity 370334104 173,387 4,533 SH Sole 0 9,133 0 1,576
General Mills Equity 370334104 175,950 4,600 SH Defined 0 0 0 0
General Mills Equity 370334104 60,282 1,576 SH Other 0 0 0 0
General Motors Corp Equity 370442105 211,522 3,643 SH Sole 0 5,129 0 5,389
General Motors Corp Equity 370442105 193,697 3,336 SH Defined 0 0 0 0
General Motors Corp Equity 370442105 205,483 3,539 SH Other 0 0 0 0
Gillette Co Equity 375766102 789,762 22,605 SH Sole 0 28,992 0 17,217
Gillette Co Equity 375766102 817,677 23,404 SH Defined 0 0 0 0
Gillette Co Equity 375766102 6,988 200 SH Other 0 0 0 0
Global Marine Inc Equity 379352404 230,236 8,168 SH Sole 0 8,168 0 0
Govt. Securities Inc. Fund GNMA Ser I Equity 383743523 1,824 55,273 SH Sole 0 55,273 0 0
Halliburton Co Equity 406216101 214,750 4,551 SH Sole 0 8,592 0 150
Halliburton Co Equity 406216101 133,305 2,825 SH Defined 0 0 0 0
Halliburton Co Equity 406216101 64,458 1,366 SH Other 0 0 0 0
Heinz, H.J. Co. Equity 423074103 538,125 12,300 SH Sole 0 15,700 0 20,100
Heinz, H.J. Co. Equity 423074103 975,625 22,300 SH Defined 0 0 0 0
Heinz, H.J. Co. Equity 423074103 52,500 1,200 SH Other 0 0 0 0
Hewlett Packard Equity 428236103 2,194,678 17,575 SH Sole 0 25,375 0 800
Hewlett Packard Equity 428236103 967,781 7,750 SH Defined 0 0 0 0
Hewlett Packard Equity 428236103 106,144 850 SH Other 0 0 0 0
Home Depot Inc Equity 437076102 1,844,242 36,931 SH Sole 0 52,859 0 1,375
Home Depot Inc Equity 437076102 859,075 17,203 SH Defined 0 0 0 0
Home Depot Inc Equity 437076102 4,994 100 SH Other 0 0 0 0
Honeywell Int Inc Equity 438516106 96,009 2,850 SH Sole 0 5,956 0 1,668
Honeywell Int Inc Equity 438516106 135,559 4,024 SH Defined 0 0 0 0
Honeywell Int Inc Equity 438516106 25,266 750 SH Other 0 0 0 0
Intel Corp Equity 458140100 2,814,541 21,053 SH Sole 0 28,945 0 2,450
Intel Corp Equity 458140100 1,108,537 8,292 SH Defined 0 0 0 0
Intel Corp Equity 458140100 274,059 2,050 SH Other 0 0 0 0
International Business Machine Equity 459200101 2,285,693 20,862 SH Sole 0 40,020 0 4,769
International Business Machine Equity 459200101 794,328 7,250 SH Defined 0 0 0 0
International Business Machine Equity 459200101 1,827,174 16,677 SH Other 0 0 0 0
Johnson & Johnson Equity 478160104 2,894,778 28,415 SH Sole 0 42,595 0 4,100
Johnson & Johnson Equity 478160104 1,334,563 13,100 SH Defined 0 0 0 0
Johnson & Johnson Equity 478160104 527,713 5,180 SH Other 0 0 0 0
Kimberly Clark Corp Equity 494368103 953,171 16,613 SH Sole 0 21,731 0 1,292
Kimberly Clark Corp Equity 494368103 252,221 4,396 SH Defined 0 0 0 0
Kimberly Clark Corp Equity 494368103 115,553 2,014 SH Other 0 0 0 0
Lilly Eli & Co Equity 532457108 796,503 7,975 SH Sole 0 17,901 0 0
Lilly Eli & Co Equity 532457108 991,359 9,926 SH Defined 0 0 0 0
Lowes Co Inc. Equity 548661107 131,605 3,205 SH Sole 0 3,695 0 1,250
Lowes Co Inc. Equity 548661107 63,236 1,540 SH Defined 0 0 0 0
Lowes Co Inc. Equity 548661107 8,213 200 SH Other 0 0 0 0
Lucent Technologies Equity 549463107 6,991,204 117,995 SH Sole 0 153,062 0 25,967
Lucent Technologies Equity 549463107 2,164,047 36,524 SH Defined 0 0 0 0
Lucent Technologies Equity 549463107 1,452,218 24,510 SH Other 0 0 0 0
MBNA Corp Equity 55262L100 27,451 1,012 SH Sole 0 14,512 0 0
MBNA Corp Equity 55262L100 366,188 13,500 SH Defined 0 0 0 0
McDonalds Corp. Equity 580135101 248,546 7,546 SH Sole 0 19,896 0 4,240
McDonalds Corp. Equity 580135101 546,433 16,590 SH Defined 0 0 0 0
Mediaone Group Inc. Equity 58440J104 321,599 4,827 SH Sole 0 7,817 0 2,416
Mediaone Group Inc. Equity 58440J104 214,133 3,214 SH Defined 0 0 0 0
Mediaone Group Inc. Equity 58440J104 146,042 2,192 SH Other 0 0 0 0
Medtronic Inc Equity 585055106 1,070,969 21,500 SH Sole 0 23,200 0 200
Medtronic Inc Equity 585055106 89,663 1,800 SH Defined 0 0 0 0
Medtronic Inc Equity 585055106 4,981 100 SH Other 0 0 0 0
Mellon Financial Corp Equity 58551A108 65,588 1,800 SH Sole 0 6,800 0 5,640
Mellon Financial Corp Equity 58551A108 291,500 8,000 SH Defined 0 0 0 0
Mellon Financial Corp Equity 58551A108 96,195 2,640 SH Other 0 0 0 0
Merck & Company Equity 589331107 5,409,189 70,593 SH Sole 0 109,389 0 3,754
Merck & Company Equity 589331107 2,934,431 38,296 SH Defined 0 0 0 0
Merck & Company Equity 589331107 325,963 4,254 SH Other 0 0 0 0
Microsoft Corp Equity 594918104 960,400 12,005 SH Sole 0 21,521 0 5,370
Microsoft Corp Equity 594918104 918,880 11,486 SH Defined 0 0 0 0
Microsoft Corp Equity 594918104 272,000 3,400 SH Other 0 0 0 0
Minn Mining & Mfg Equity 604059105 593,175 7,190 SH Sole 0 15,695 0 2,325
Minn Mining & Mfg Equity 604059105 745,388 9,035 SH Defined 0 0 0 0
Minn Mining & Mfg Equity 604059105 148,088 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 471,665 4,283 SH Sole 0 7,558 0 6,499
Morgan, J.P.& Co. Equity 616880100 447,878 4,067 SH Defined 0 0 0 0
Morgan, J.P.& Co. Equity 616880100 628,483 5,707 SH Other 0 0 0 0
Morgan Stanley, Dean Witter, Discover & Equity 617446448 141,858 1,704 SH Sole 0 4,780 0 7,124
Co
Morgan Stanley, Dean Witter, Discover & Equity 617446448 155,844 1,872 SH Defined 0 0 0 0
Co
Morgan Stanley, Dean Witter, Discover & Equity 617446448 693,306 8,328 SH Other 0 0 0 0
Co
Motorola Inc. Equity 620076109 552,507 19,011 SH Sole 0 35,206 0 3,150
Motorola Inc. Equity 620076109 507,722 17,470 SH Defined 0 0 0 0
Motorola Inc. Equity 620076109 54,492 1,875 SH Other 0 0 0 0
Nestle S A Sponsored ADR Equity 641069406 60,237 600 SH Sole 0 3,000 0 0
Nestle S A Sponsored ADR Equity 641069406 240,948 2,400 SH Defined 0 0 0 0
Network Appliance Inc Equity 64120L104 201,250 2,500 SH Sole 0 2,500 0 0
Nextel Communications Inc Cl-A Equity 65332V103 422,194 6,900 SH Sole 0 6,900 0 0
Nokia Corporation ADR Equity 654902204 298,377 5,975 SH Sole 0 8,365 0 500
Nokia Corporation ADR Equity 654902204 144,319 2,890 SH Defined 0 0 0 0
ADR Nortel Networks Corp New Equity 656568102 1,362,065 19,957 SH Sole 0 22,255 0 0
ADR Nortel Networks Corp New Equity 656568102 156,839 2,298 SH Defined 0 0 0 0
NSTAR Com Equity 67019E107 336,730 8,276 SH Sole 0 7,515 0 2,765
NSTAR Com Equity 67019E107 58,753 1,444 SH Defined 0 0 0 0
NSTAR Com Equity 67019E107 22,785 560 SH Other 0 0 0 0
Onyx Acceptance Corp Equity 682914106 118,750 25,000 SH Defined 0 25,000 0 0
Oracle Systems Corporation Equity 68389X105 195,445 2,325 SH Sole 0 5,029 0 0
Oracle Systems Corporation Equity 68389X105 69,772 830 SH Defined 0 0 0 0
Oracle Systems Corporation Equity 68389X105 157,533 1,874 SH Other 0 0 0 0
PNC Bank Corp Equity 693475105 35,625 760 SH Sole 0 4,866 0 760
PNC Bank Corp Equity 693475105 215,625 4,600 SH Defined 0 0 0 0
PNC Bank Corp Equity 693475105 12,469 266 SH Other 0 0 0 0
PPG Industries Equity 693506107 75,331 1,700 SH Sole 0 6,896 0 100
PPG Industries Equity 693506107 35,450 800 SH Defined 0 0 0 0
PPG Industries Equity 693506107 199,229 4,496 SH Other 0 0 0 0
Peapack Gladstone Financial Corporation Equity 704699107 564,002 15,141 SH Sole 0 15,141 0 0
Pepsico, Inc Equity 713448108 1,395,515 31,404 SH Sole 0 45,362 0 1,450
Pepsico, Inc Equity 713448108 626,924 14,108 SH Defined 0 0 0 0
Pepsico, Inc Equity 713448108 57,769 1,300 SH Other 0 0 0 0
Perkinelmer Inc Equity 714046109 529,000 8,000 SH Sole 0 8,000 0 0
Pfizer, Inc. Equity 717081103 3,692,064 76,918 SH Sole 0 146,525 0 15,616
Pfizer, Inc. Equity 717081103 3,773,832 78,622 SH Defined 0 0 0 0
Pfizer, Inc. Equity 717081103 316,800 6,600 SH Other 0 0 0 0
Philip Morris Cos, Inc Equity 718154107 708,608 26,677 SH Sole 0 44,547 0 1,700
Philip Morris Cos, Inc Equity 718154107 501,234 18,870 SH Defined 0 0 0 0
Philip Morris Cos, Inc Equity 718154107 18,594 700 SH Other 0 0 0 0
Pitney Bowes Inc Equity 724479100 128,000 3,200 SH Sole 0 5,200 0 0
Pitney Bowes Inc Equity 724479100 80,000 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 3,324,888 58,077 SH Sole 0 71,925 0 11,991
Procter & Gamble Equity 742718109 1,049,450 18,331 SH Defined 0 0 0 0
Procter & Gamble Equity 742718109 429,833 7,508 SH Other 0 0 0 0
Royal Bank Of Scotland Group Plc Pfd H Preferred Stock 780097879 493,256 23,700 SH Sole 0 31,750 0 600
Royal Bank Of Scotland Group Plc Pfd H Preferred Stock 780097879 167,541 8,050 SH Defined 0 0 0 0
Royal Bank Of Scotland Group Plc Pfd H Preferred Stock 780097879 12,488 600 SH Other 0 0 0 0
Royal Dutch Petr Co. N. Equity 780257804 375,778 6,104 SH Sole 0 16,226 0 0
Royal Dutch Petr Co. N. Equity 780257804 623,136 10,122 SH Defined 0 0 0 0
SBC Communications Inc Equity 78387G103 4,004,345 92,586 SH Sole 0 127,113 0 38,834
SBC Communications Inc Equity 78387G103 1,667,720 38,560 SH Defined 0 0 0 0
SBC Communications Inc Equity 78387G103 1,505,143 34,801 SH Other 0 0 0 0
Safeco Corporation Equity 786429100 216,240 10,880 SH Sole 0 10,880 0 0
Sara Lee Corp Equity 803111103 348,842 18,063 SH Sole 0 31,763 0 0
Sara Lee Corp Equity 803111103 264,581 13,700 SH Defined 0 0 0 0
Schlumberger, Ltd Equity 806857108 319,395 4,280 SH Sole 0 6,785 0 350
Schlumberger, Ltd Equity 806857108 205,592 2,755 SH Defined 0 0 0 0
Schlumberger, Ltd Equity 806857108 7,463 100 SH Other 0 0 0 0
Seacoast Financial Equity 81170Q106 136,287 14,346 SH Sole 0 14,546 0 300
Seacoast Financial Equity 81170Q106 4,750 500 SH Defined 0 0 0 0
Sears Roebuck Co Equity 812387108 56,572 1,734 SH Sole 0 3,477 0 4,618
Sears Roebuck Co Equity 812387108 31,712 972 SH Defined 0 0 0 0
Sears Roebuck Co Equity 812387108 175,816 5,389 SH Other 0 0 0 0
Smithkline Beecham P L C ADR Equity 832378301 521,500 8,000 SH Defined 0 8,000 0 0
Southern Company Equity 842587107 137,101 5,881 SH Sole 0 8,198 0 2,982
Southern Company Equity 842587107 67,023 2,875 SH Defined 0 0 0 0
Southern Company Equity 842587107 56,510 2,424 SH Other 0 0 0 0
Sprint Corp Equity 852061100 147,900 2,900 SH Sole 0 9,200 0 0
Sprint Corp Equity 852061100 321,300 6,300 SH Defined 0 0 0 0
Sprint Corp PCS Equity 852061506 65,450 1,100 SH Sole 0 4,250 0 0
Sprint Corp PCS Equity 852061506 187,425 3,150 SH Defined 0 0 0 0
Staples Incorporated (Retail & Delivery) Equity 855030102 315,372 20,512 SH Sole 0 22,525 0 1,887
Staples Incorporated (Retail & Delivery) Equity 855030102 59,963 3,900 SH Defined 0 0 0 0
State Street Corp Equity 857477103 47,728 450 SH Sole 0 2,200 0 8,582
State Street Corp Equity 857477103 201,519 1,900 SH Defined 0 0 0 0
State Street Corp Equity 857477103 894,319 8,432 SH Other 0 0 0 0
Summit Bancorp New Equity 866005101 285,847 11,608 SH Sole 0 11,608 0 300
Summit Bancorp New Equity 866005101 7,388 300 SH Other 0 0 0 0
Sun Microsystems Inc Equity 866810104 754,781 8,300 SH Sole 0 11,410 0 1,200
Sun Microsystems Inc Equity 866810104 278,269 3,060 SH Defined 0 0 0 0
Sun Microsystems Inc Equity 866810104 113,672 1,250 SH Other 0 0 0 0
Sysco Corp. Equity 871829107 690,850 16,400 SH Sole 0 16,400 0 0
Target Corp Equity 87612E106 198,940 3,430 SH Sole 0 3,580 0 0
Target Corp Equity 87612E106 8,700 150 SH Defined 0 0 0 0
Texaco, Inc. Equity 881694103 336,274 6,315 SH Sole 0 7,355 0 990
Texaco, Inc. Equity 881694103 89,993 1,690 SH Defined 0 0 0 0
Texaco, Inc. Equity 881694103 18,105 340 SH Other 0 0 0 0
Texas Instruments Equity 882508104 241,093 3,510 SH Sole 0 6,310 0 310
Texas Instruments Equity 882508104 199,881 2,910 SH Defined 0 0 0 0
Texas Instruments Equity 882508104 13,738 200 SH Other 0 0 0 0
Time Warner Inc. Equity 887315109 661,200 8,700 SH Sole 0 9,950 0 0
Time Warner Inc. Equity 887315109 95,000 1,250 SH Defined 0 0 0 0
Tyco Intl Ltd New Equity 902124106 1,950,524 41,172 SH Sole 0 54,683 0 2,020
Tyco Intl Ltd New Equity 902124106 719,200 15,181 SH Defined 0 0 0 0
Tyco Intl Ltd New Equity 902124106 16,581 350 SH Other 0 0 0 0
Union Pacific Corp Equity 907818108 118,256 3,180 SH Sole 0 10,380 0 1,872
Union Pacific Corp Equity 907818108 337,365 9,072 SH Defined 0 0 0 0
United National Bancorp Equity 910909100 357,798 19,472 SH Sole 0 19,472 0 0
U S West, Inc New Equity 91273H101 612,598 7,144 SH Sole 0 13,869 0 3,899
U S West, Inc New Equity 91273H101 686,257 8,003 SH Defined 0 0 0 0
U S West, Inc New Equity 91273H101 224,751 2,621 SH Other 0 0 0 0
United Technologies Equity 913017109 110,685 1,880 SH Sole 0 1,680 0 6,608
United Technologies Equity 913017109 377,271 6,408 SH Other 0 0 0 0
Vodafone Airtouch Plc Equity 92857T107 448,229 10,817 SH Sole 0 15,427 0 8,295
Vodafone Airtouch Plc Equity 92857T107 189,577 4,575 SH Defined 0 0 0 0
Vodafone Airtouch Plc Equity 92857T107 345,174 8,330 SH Other 0 0 0 0
Vulcan Materials Co Equity 929160109 1,101,209 25,797 SH Sole 0 25,697 0 2,500
Vulcan Materials Co Equity 929160109 64,031 1,500 SH Defined 0 0 0 0
Vulcan Materials Co Equity 929160109 38,419 900 SH Other 0 0 0 0
Wal Mart Stores Inc Equity 931142103 110,064 1,910 SH Sole 0 4,048 0 200
Wal Mart Stores Inc Equity 931142103 134,727 2,338 SH Defined 0 0 0 0
Walgreen Co. Equity 931422109 631,519 19,620 SH Sole 0 20,220 0 0
Walgreen Co. Equity 931422109 19,313 600 SH Defined 0 0 0 0
Wells Fargo & Company New Equity 949746101 1,264,916 32,643 SH Sole 0 34,678 0 1,800
Wells Fargo & Company New Equity 949746101 140,856 3,635 SH Defined 0 0 0 0
Wells Fargo & Company New Equity 949746101 7,750 200 SH Other 0 0 0 0
Worldcom Inc GA New Equity 98157D106 876,534 19,107 SH Sole 0 38,750 0 1,647
Worldcom Inc GA New Equity 98157D106 888,507 19,368 SH Defined 0 0 0 0
Worldcom Inc GA New Equity 98157D106 88,172 1,922 SH Other 0 0 0 0
Xerox Corporation Equity 984121103 179,488 8,650 SH Sole 0 10,245 0 1,698
Xerox Corporation Equity 984121103 33,096 1,595 SH Defined 0 0 0 0
Xerox Corporation Equity 984121103 35,234 1,698 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
</TABLE>
