UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: December 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 LANE
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 LANE
Title: SR TRUST SYS OFFICER
Phone: 508-862-6487
Signature, Place, and Date Of Signing:
KAREN LANE HYANNIS MA December 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: 149
Form 13F Information Table Value Total: $296,340,430
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 5,049,492 99,375 SH
Sole 0 137,441 0 20,222
AT&T CORP Com 001957109 2,127,926 41,878 SH
Defined 0 0 0 0
AT&T CORP Com 001957109 833,833 16,410 SH
Other 0 0 0 0
ABBOTT LABORATORIES Com 002824100 1,275,295 35,120 SH
Sole 0 36,370 0 4,400
ABBOTT LABORATORIES Com 002824100 30,866 850 SH
Defined 0 0 0 0
ABBOTT LABORATORIES Com 002824100 174,300 4,800 SH
Other 0 0 0 0
AETNA INC COM STK Com 008117103 192,553 3,450 SH
Sole 0 3,750 0 300
AETNA INC COM STK Com 008117103 16,744 300 SH
Defined 0 0 0 0
AETNA INC COM STK Com 008117103 16,744 300 SH
Other 0 0 0 0
ALCOA INC Com 013817101 307,100 3,700 SH
Sole 0 4,200 0 0
ALCOA INC Com 013817101 41,500 500 SH
Defined 0 0 0 0
ALLSTATE CORP Com 020002101 604,618 25,127 SH
Sole 0 29,281 0 8,112
ALLSTATE CORP Com 020002101 48,991 2,036 SH
Defined 0 0 0 0
ALLSTATE CORP Com 020002101 246,159 10,230 SH
Other 0 0 0 0
AMERICA ONLINE INC DEL Com 02364J104 341,438 4,500 SH
Sole 0 6,920 0 600
AMERICA ONLINE INC DEL Com 02364J104 176,030 2,320 SH
Defined 0 0 0 0
AMERICA ONLINE INC DEL Com 02364J104 53,113 700 SH
Other 0 0 0 0
AMERICAN ELECTRIC POWER Com 025537101 113,401 3,530 SH
Sole 0 3,964 0 4,058
AMERICAN ELECTRIC POWER Com 025537101 6,425 200 SH
Defined 0 0 0 0
AMERICAN ELECTRIC POWER Com 025537101 137,881 4,292 SH
Other 0 0 0 0
AMER EXPRESS CO Com 025816109 593,513 3,570 SH
Sole 0 6,470 0 800
AMER EXPRESS CO Com 025816109 615,125 3,700 SH
Defined 0 0 0 0
AMERICAN GENERAL CORP Com 026351106 591,446 7,795 SH
Sole 0 7,795 0 1,248
AMERICAN GENERAL CORP Com 026351106 94,692 1,248 SH
Defined 0 0 0 0
AMERICAN HOME PRODUCTS Com 026609107 1,077,648 27,456 SH
Sole 0 48,526 0 13,132
AMERICAN HOME PRODUCTS Com 026609107 960,448 24,470 SH
Defined 0 0 0 0
AMERICAN HOME PRODUCTS Com 026609107 381,981 9,732 SH
Other 0 0 0 0
AMERICAN INTL GROUP INC Com 026874107 432,716 4,002 SH
Sole 0 11,046 0 0
AMERICAN INTL GROUP INC Com 026874107 649,507 6,007 SH
Defined 0 0 0 0
AMERICAN INTL GROUP INC Com 026874107 112,126 1,037 SH
Other 0 0 0 0
AMGEN INC Com 031162100 1,375,431 22,900 SH
Sole 0 28,100 0 0
AMGEN INC Com 031162100 24,025 400 SH
Defined 0 0 0 0
AMGEN INC Com 031162100 288,300 4,800 SH
Other 0 0 0 0
ANHEUSER BUSCH COS INC Com 035229103 790,682 11,156 SH
Sole 0 12,173 0 900
ANHEUSER BUSCH COS INC Com 035229103 79,167 1,117 SH
Defined 0 0 0 0
ANHEUSER BUSCH COS INC Com 035229103 56,700 800 SH
Other 0 0 0 0
APPLE COMPUTER INC Com 037833100 56,547 550 SH
Sole 0 1,511 0 700
APPLE COMPUTER INC Com 037833100 98,803 961 SH
Defined 0 0 0 0
APPLE COMPUTER INC Com 037833100 71,969 700 SH
Other 0 0 0 0
ATLANTIC RICHFIELD Com 048825103 250,850 2,900 SH
Sole 0 5,231 0 2,728
ATLANTIC RICHFIELD Com 048825103 101,811 1,177 SH
Defined 0 0 0 0
ATLANTIC RICHFIELD Com 048825103 335,793 3,882 SH
Other 0 0 0 0
AUTO DATA PROC INC Com 053015103 509,119 9,450 SH
Sole 0 16,510 0 0
AUTO DATA PROC INC Com 053015103 331,870 6,160 SH
Defined 0 0 0 0
AUTO DATA PROC INC Com 053015103 48,488 900 SH
Other 0 0 0 0
ADR BP AMOCO Com 055622104 1,553,750 26,196 SH
Sole 0 45,432 0 6,234
ADR BP AMOCO Com 055622104 1,250,426 21,082 SH
Defined 0 0 0 0
ADR BP AMOCO Com 055622104 260,263 4,388 SH
Other 0 0 0 0
BANK AMERICA CORP Com 060505104 627,896 12,511 SH
Sole 0 13,411 0 1,113
BANK AMERICA CORP Com 060505104 70,263 1,400 SH
Defined 0 0 0 0
BANK AMERICA CORP Com 060505104 30,765 613 SH
Other 0 0 0 0
BANK OF NY CO Com 064057102 950,400 23,760 SH
Sole 0 31,060 0 13,600
BANK OF NY CO Com 064057102 292,000 7,300 SH
Defined 0 0 0 0
BANK OF NY CO Com 064057102 544,000 13,600 SH
Other 0 0 0 0
BANC ONE CORP NEW Com 06423A103 619,680 19,365 SH
Sole 0 46,378 0 10,391
BANC ONE CORP NEW Com 06423A103 109,248 3,414 SH
Defined 0 0 0 0
BANC ONE CORP NEW Com 06423A103 1,087,680 33,990 SH
Other 0 0 0 0
BAXTER INTERNATIONAL INC Com 071813109 411,422 6,550 SH
Sole 0 8,850 0 1,394
BAXTER INTERNATIONAL INC Com 071813109 122,484 1,950 SH
Defined 0 0 0 0
BAXTER INTERNATIONAL INC Com 071813109 109,545 1,744 SH
Other 0 0 0 0
BELL ATLANTIC CORP Com 077853109 3,305,845 53,699 SH
Sole 0 69,147 0 18,176
BELL ATLANTIC CORP Com 077853109 854,241 13,876 SH
Defined 0 0 0 0
BELL ATLANTIC CORP Com 077853109 1,215,736 19,748 SH
Other 0 0 0 0
BELLSOUTH CORP Com 079860102 4,956,601 105,882 SH
Sole 0 134,460 0 23,186
BELLSOUTH CORP Com 079860102 950,013 20,294 SH
Defined 0 0 0 0
BELLSOUTH CORP Com 079860102 1,473,189 31,470 SH
Other 0 0 0 0
BENTHOS INCORPORATED Com 082641101 498,384 62,298 SH
Other 0 62,298 0 0
BERKSHIRE HATHAWAY INC CL Com 084670207 140,910 77 SH
Sole 0 171 0 0
BERKSHIRE HATHAWAY INC CL Com 084670207 172,020 94 SH
Defined 0 0 0 0
BESTFOODS Com 08658U101 357,898 6,809 SH
Sole 0 8,281 0 150
BESTFOODS Com 08658U101 77,372 1,472 SH
Defined 0 0 0 0
BESTFOODS Com 08658U101 7,884 150 SH
Other 0 0 0 0
BOEING CO. Com 097023105 409,154 9,874 SH
Sole 0 10,774 0 226
BOEING CO. Com 097023105 33,150 800 SH
Defined 0 0 0 0
BOEING CO. Com 097023105 13,509 326 SH
Other 0 0 0 0
BOSTON SCIENTIFIC CORP Com 101137107 518,634 23,709 SH
Sole 0 29,823 0 700
BOSTON SCIENTIFIC CORP Com 101137107 140,306 6,414 SH
Defined 0 0 0 0
BOSTON SCIENTIFIC CORP Com 101137107 8,750 400 SH
Other 0 0 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108 7,610,327 118,564 SH
Sole 0 140,359 0 9,066
BRISTOL-MYERS SQUIBB CO Com 110122108 1,585,110 24,695 SH
Defined 0 0 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108 395,780 6,166 SH
Other 0 0 0 0
CBS CORP Com 12490K107 225,572 3,528 SH
Other 0 1,800 0 1,728
CCBT FINANCIAL COS, INC. Com 12500Q102 2,591,887 168,578 SH
Sole 0 0 0 915,510
CCBT FINANCIAL COS, INC. Com 12500Q102 83,225 5,413 SH
Defined 0 0 0 0
CCBT FINANCIAL COS, INC. Com 12500Q102 11,396,242 741,219 SH
Other 0 0 0 0
CIGNA CORP. Com 125509109 355,200 4,409 SH
Sole 0 4,409 0 606
CIGNA CORP. Com 125509109 48,821 606 SH
Other 0 0 0 0
CAMPBELL SOUP Com 134429109 216,650 5,600 SH
Sole 0 6,000 0 0
CAMPBELL SOUP Com 134429109 15,475 400 SH
Defined 0 0 0 0
CARNIVAL CORP COM CL A Com 143658102 511,594 10,700 SH
Sole 0 21,460 0 150
CARNIVAL CORP COM CL A Com 143658102 473,822 9,910 SH
Defined 0 0 0 0
CARNIVAL CORP COM CL A Com 143658102 47,813 1,000 SH
Other 0 0 0 0
CATERPILLAR TRACTOR CO. Com 149123101 165,378 3,514 SH
Sole 0 3,264 0 1,050
CATERPILLAR TRACTOR CO. Com 149123101 37,650 800 SH
Other 0 0 0 0
CHASE MANHATTAN CORP NEW Com 16161A108 527,265 6,787 SH
Sole 0 6,975 0 4,362
CHASE MANHATTAN CORP NEW Com 16161A108 14,605 188 SH
Defined 0 0 0 0
CHASE MANHATTAN CORP NEW Com 16161A108 338,873 4,362 SH
Other 0 0 0 0
CHEVRON CORP Com 166751107 697,938 8,057 SH
Sole 0 8,547 0 4,050
CHEVRON CORP Com 166751107 228,690 2,640 SH
Defined 0 0 0 0
CHEVRON CORP Com 166751107 164,588 1,900 SH
Other 0 0 0 0
CISCO SYSTEMS Com 17275R102 1,493,108 13,938 SH
Sole 0 21,979 0 2,750
CISCO SYSTEMS Com 17275R102 577,511 5,391 SH
Defined 0 0 0 0
CISCO SYSTEMS Com 17275R102 578,475 5,400 SH
Other 0 0 0 0
CITIGROUP INC Com 172967101 1,531,629 27,504 SH
Sole 0 31,756 0 7,890
CITIGROUP INC Com 172967101 300,267 5,392 SH
Defined 0 0 0 0
CITIGROUP INC Com 172967101 375,891 6,750 SH
Other 0 0 0 0
CITIGROUP CAP PFD W Pfd 17306K209 315,963 15,700 SH
Sole 0 17,600 0 2,200
CITIGROUP CAP PFD W Pfd 17306K209 70,438 3,500 SH
Defined 0 0 0 0
CITIGROUP CAP PFD W Pfd 17306K209 12,075 600 SH
Other 0 0 0 0
CITIZENS UTILITIES CL B Com 177342201 378,565 26,683 SH
Defined 0 26,683 0 0
COCA COLA CO. Com 191216100 2,219,034 38,095 SH
Sole 0 46,048 0 4,300
COCA COLA CO. Com 191216100 198,225 3,403 SH
Defined 0 0 0 0
COCA COLA CO. Com 191216100 515,513 8,850 SH
Other 0 0 0 0
COLGATE PALMOLIVE Com 194162103 1,052,090 16,186 SH
Sole 0 18,586 0 1,100
COLGATE PALMOLIVE Com 194162103 58,500 900 SH
Defined 0 0 0 0
COLGATE PALMOLIVE Com 194162103 169,000 2,600 SH
Other 0 0 0 0
CONSOLIDATED EDISON INC. Com 209115104 142,347 4,126 SH
Sole 0 3,774 0 2,252
CONSOLIDATED EDISON INC. Com 209115104 65,550 1,900 SH
Other 0 0 0 0
CONSOLIDATED NATURAL GAS Com 209615103 77,276 1,190 SH
Sole 0 4,790 0 1,200
CONSOLIDATED NATURAL GAS Com 209615103 311,700 4,800 SH
Defined 0 0 0 0
CORNING INC Com 219350105 683,369 5,300 SH
Sole 0 6,000 0 1,500
CORNING INC Com 219350105 90,256 700 SH
Defined 0 0 0 0
CORNING INC Com 219350105 193,406 1,500 SH
Other 0 0 0 0
DELL COMPUTER CO Com 247025109 194,310 3,810 SH
Sole 0 5,460 0 0
DELL COMPUTER CO Com 247025109 35,700 700 SH
Defined 0 0 0 0
DELL COMPUTER CO Com 247025109 48,450 950 SH
Other 0 0 0 0
DISNEY Com 254687106 450,245 15,393 SH
Sole 0 28,097 0 312
DISNEY Com 254687106 148,941 5,092 SH
Defined 0 0 0 0
DISNEY Com 254687106 231,777 7,924 SH
Other 0 0 0 0
DOMINION RESOURCES, INC Com 257470104 135,884 3,462 SH
Sole 0 5,561 0 651
DOMINION RESOURCES, INC Com 257470104 64,763 1,650 SH
Defined 0 0 0 0
DOMINION RESOURCES, INC Com 257470104 43,175 1,100 SH
Other 0 0 0 0
DOVER CORP. Com 260003108 288,131 6,350 SH
Sole 0 7,350 0 0
DOVER CORP. Com 260003108 45,375 1,000 SH
Other 0 0 0 0
DOW CHEMICAL CO Com 260543103 387,780 2,902 SH
Sole 0 7,377 0 450
DOW CHEMICAL CO Com 260543103 584,609 4,375 SH
Defined 0 0 0 0
DOW CHEMICAL CO Com 260543103 73,494 550 SH
Other 0 0 0 0
DUPONT DE NEMOURS & CO Com 263534109 1,335,155 20,268 SH
Sole 0 35,868 0 4,500
DUPONT DE NEMOURS & CO Com 263534109 999,324 15,170 SH
Defined 0 0 0 0
DUPONT DE NEMOURS & CO Com 263534109 324,764 4,930 SH
Other 0 0 0 0
DUKE ENERGY CORP Com 264399106 147,919 2,951 SH
Sole 0 4,751 0 175
DUKE ENERGY CORP Com 264399106 35,088 700 SH
Defined 0 0 0 0
DUKE ENERGY CORP Com 264399106 63,909 1,275 SH
Other 0 0 0 0
EMC CORP Com 268648102 2,601,789 23,815 SH
Sole 0 31,467 0 1,350
EMC CORP Com 268648102 917,919 8,402 SH
Defined 0 0 0 0
EMC CORP Com 268648102 65,550 600 SH
Other 0 0 0 0
EASTMAN KODAK CO Com 277461109 192,258 2,902 SH
Sole 0 5,044 0 1,529
EASTMAN KODAK CO Com 277461109 157,013 2,370 SH
Defined 0 0 0 0
EASTMAN KODAK CO Com 277461109 86,191 1,301 SH
Other 0 0 0 0
ELECTRONIC DATA SYS CORP Com 285661104 171,628 2,564 SH
Sole 0 3,284 0 1,535
ELECTRONIC DATA SYS CORP Com 285661104 26,775 400 SH
Defined 0 0 0 0
ELECTRONIC DATA SYS CORP Com 285661104 124,169 1,855 SH
Other 0 0 0 0
EMERSON ELECTRIC CO Com 291011104 153,650 2,678 SH
Sole 0 11,404 0 478
EMERSON ELECTRIC CO Com 291011104 390,150 6,800 SH
Defined 0 0 0 0
EMERSON ELECTRIC CO Com 291011104 137,930 2,404 SH
Other 0 0 0 0
ENRON CORP Com 293561106 186,375 4,200 SH
Sole 0 5,350 0 350
ENRON CORP Com 293561106 51,031 1,150 SH
Defined 0 0 0 0
ENRON CORP Com 293561106 15,531 350 SH
Other 0 0 0 0
EXXON MOBIL CORP Com 30231G102 11,147,272 138,368 SH
Sole 0 202,094 0 72,147
EXXON MOBIL CORP Com 30231G102 4,322,500 53,654 SH
Defined 0 0 0 0
EXXON MOBIL CORP Com 30231G102 6,623,768 82,219 SH
Other 0 0 0 0
FPL GROUP INC Com 302571104 182,895 4,272 SH
Sole 0 4,632 0 200
FPL GROUP INC Com 302571104 23,975 560 SH
Defined 0 0 0 0
FEDERAL NATL MTG ASSN Com 313586109 1,013,985 16,240 SH
Sole 0 21,690 0 500
FEDERAL NATL MTG ASSN Com 313586109 271,603 4,350 SH
Defined 0 0 0 0
FEDERAL NATL MTG ASSN Com 313586109 99,900 1,600 SH
Other 0 0 0 0
FIFTH THIRD BANCORP Com 316773100 1,122,344 15,296 SH
Sole 0 15,296 0 0
FIRST UNION CORP Com 337358105 325,554 9,884 SH
Sole 0 9,477 0 750
FIRST UNION CORP Com 337358105 11,298 343 SH
Defined 0 0 0 0
FLEETBOSTON FINANCIAL COR Com 339030108 1,048,692 30,124 SH
Sole 0 98,031 0 41,110
FLEETBOSTON FINANCIAL COR Com 339030108 2,442,549 70,163 SH
Defined 0 0 0 0
FLEETBOSTON FINANCIAL COR Com 339030108 1,352,605 38,854 SH
Other 0 0 0 0
FORD MOTOR CO Com 345370100 366,790 6,880 SH
Sole 0 7,530 0 1,700
FORD MOTOR CO Com 345370100 114,622 2,150 SH
Defined 0 0 0 0
FORD MOTOR CO Com 345370100 10,663 200 SH
Other 0 0 0 0
FORTUNE BRANDS INC Com 349631101 187,134 5,660 SH
Sole 0 12,002 0 1,886
FORTUNE BRANDS INC Com 349631101 52,239 1,580 SH
Defined 0 0 0 0
FORTUNE BRANDS INC Com 349631101 219,800 6,648 SH
Other 0 0 0 0
GTE CORP Com 362320103 3,156,596 44,735 SH
Sole 0 61,560 0 3,067
GTE CORP Com 362320103 742,670 10,525 SH
Defined 0 0 0 0
GTE CORP Com 362320103 660,959 9,367 SH
Other 0 0 0 0
GANNETT INC Com 364730101 367,031 4,500 SH
Sole 0 6,700 0 200
GANNETT INC Com 364730101 163,125 2,000 SH
Defined 0 0 0 0
GANNETT INC Com 364730101 32,625 400 SH
Other 0 0 0 0
GENERAL ELECTRIC CO Com 369604103 37,541,363 242,594 SH
Sole 0 300,565 0 73,665
GENERAL ELECTRIC CO Com 369604103 9,239,349 59,705 SH
Defined 0 0 0 0
GENERAL ELECTRIC CO Com 369604103 11,131,322 71,931 SH
Other 0 0 0 0
GENERAL MILLS Com 370334104 171,600 4,800 SH
Sole 0 9,400 0 1,576
GENERAL MILLS Com 370334104 164,450 4,600 SH
Defined 0 0 0 0
GENERAL MILLS Com 370334104 56,342 1,576 SH
Other 0 0 0 0
GENERAL MOTORS CORP Com 370442105 292,858 4,029 SH
Sole 0 5,515 0 3,227
GENERAL MOTORS CORP Com 370442105 70,798 974 SH
Defined 0 0 0 0
GENERAL MOTORS CORP Com 370442105 271,779 3,739 SH
Other 0 0 0 0
GENZYME CORP COMM Com 372917104 200,250 4,450 SH
Sole 0 4,980 0 700
GENZYME CORP COMM Com 372917104 37,350 830 SH
Defined 0 0 0 0
GENZYME CORP COMM Com 372917104 18,000 400 SH
Other 0 0 0 0
GILLETTE CO Com 375766102 713,985 17,335 SH
Sole 0 22,135 0 17,304
GILLETTE CO Com 375766102 902,171 21,904 SH
Defined 0 0 0 0
GILLETTE CO Com 375766102 8,238 200 SH
Other 0 0 0 0
GLOBAL MARINE INC Com 379352404 169,043 10,168 SH
Sole 0 10,268 0 0
GLOBAL MARINE INC Com 379352404 1,663 100 SH
Other 0 0 0 0
HALLIBURTON CO Com 406216101 183,782 4,566 SH
Sole 0 7,082 0 1,150
HALLIBURTON CO Com 406216101 92,575 2,300 SH
Defined 0 0 0 0
HALLIBURTON CO Com 406216101 54,982 1,366 SH
Other 0 0 0 0
HEINZ, H.J. CO. Com 423074103 501,638 12,600 SH
Sole 0 16,400 0 1,350
HEINZ, H.J. CO. Com 423074103 151,288 3,800 SH
Defined 0 0 0 0
HEINZ, H.J. CO. Com 423074103 53,747 1,350 SH
Other 0 0 0 0
HEWLETT PACKARD Com 428236103 1,910,431 16,795 SH
Sole 0 24,595 0 1,150
HEWLETT PACKARD Com 428236103 807,625 7,100 SH
Defined 0 0 0 0
HEWLETT PACKARD Com 428236103 210,438 1,850 SH
Other 0 0 0 0
HOME DEPOT INC Com 437076102 1,763,245 17,255 SH
Sole 0 26,352 0 450
HOME DEPOT INC Com 437076102 566,834 5,547 SH
Defined 0 0 0 0
HOME DEPOT INC Com 437076102 408,750 4,000 SH
Other 0 0 0 0
HONEYWELL INT INC Com 438516106 164,409 2,850 SH
Sole 0 5,956 0 375
HONEYWELL INT INC Com 438516106 135,912 2,356 SH
Defined 0 0 0 0
HONEYWELL INT INC Com 438516106 64,898 1,125 SH
Other 0 0 0 0
ILLINOIS TOOL WORKS INC Com 452308109 48,105 712 SH
Sole 0 3,133 0 0
ILLINOIS TOOL WORKS INC Com 452308109 108,100 1,600 SH
Defined 0 0 0 0
ILLINOIS TOOL WORKS INC Com 452308109 55,469 821 SH
Other 0 0 0 0
INTEL CORP Com 458140100 1,418,742 17,236 SH
Sole 0 24,608 0 2,400
INTEL CORP Com 458140100 392,795 4,772 SH
Defined 0 0 0 0
INTEL CORP Com 458140100 411,563 5,000 SH
Other 0 0 0 0
INTERNATIONAL BUSINESS MA Com 459200101 2,083,282 19,312 SH
Sole 0 39,376 0 4,620
INTERNATIONAL BUSINESS MA Com 459200101 782,741 7,256 SH
Defined 0 0 0 0
INTERNATIONAL BUSINESS MA Com 459200101 1,880,046 17,428 SH
Other 0 0 0 0
JOHNSON & JOHNSON Com 478160104 1,895,306 20,325 SH
Sole 0 33,460 0 3,550
JOHNSON & JOHNSON Com 478160104 1,077,504 11,555 SH
Defined 0 0 0 0
JOHNSON & JOHNSON Com 478160104 478,373 5,130 SH
Other 0 0 0 0
KIMBERLY CLARK CORP Com 494368103 1,026,649 15,689 SH
Sole 0 19,407 0 2,292
KIMBERLY CLARK CORP Com 494368103 261,488 3,996 SH
Defined 0 0 0 0
KIMBERLY CLARK CORP Com 494368103 131,791 2,014 SH
Other 0 0 0 0
LILLY ELI & CO Com 532457108 425,600 6,400 SH
Sole 0 19,026 0 0
LILLY ELI & CO Com 532457108 839,629 12,626 SH
Defined 0 0 0 0
LUCENT TECHNOLOGIES Com 549463107 8,904,600 118,728 SH
Sole 0 152,267 0 27,437
LUCENT TECHNOLOGIES Com 549463107 2,609,550 34,794 SH
Defined 0 0 0 0
LUCENT TECHNOLOGIES Com 549463107 1,963,650 26,182 SH
Other 0 0 0 0
MBNA CORP Com 55262L100 35,752 1,312 SH
Sole 0 14,812 0 0
MBNA CORP Com 55262L100 367,875 13,500 SH
Defined 0 0 0 0
MCI WORLDCOM INC Com 55268B106 484,584 6,105 SH
Sole 0 9,863 0 448
MCI WORLDCOM INC Com 55268B106 290,354 3,658 SH
Defined 0 0 0 0
MCI WORLDCOM INC Com 55268B106 43,498 548 SH
Other 0 0 0 0
MCDONALDS CORP. Com 580135101 305,569 7,580 SH
Sole 0 20,270 0 4,040
MCDONALDS CORP. Com 580135101 674,428 16,730 SH
Defined 0 0 0 0
MEDIAONE GROUP INC. Com 58440J104 369,084 4,805 SH
Sole 0 6,598 0 2,379
MEDIAONE GROUP INC. Com 58440J104 152,089 1,980 SH
Defined 0 0 0 0
MEDIAONE GROUP INC. Com 58440J104 168,373 2,192 SH
Other 0 0 0 0
MEDTRONIC INC Com 585055106 765,188 21,000 SH
Sole 0 24,500 0 800
MEDTRONIC INC Com 585055106 80,163 2,200 SH
Defined 0 0 0 0
MEDTRONIC INC Com 585055106 76,519 2,100 SH
Other 0 0 0 0
MELLON FINANCIAL CORP Com 58551A108 61,313 1,800 SH
Sole 0 6,800 0 5,640
MELLON FINANCIAL CORP Com 58551A108 272,500 8,000 SH
Defined 0 0 0 0
MELLON FINANCIAL CORP Com 58551A108 89,925 2,640 SH
Other 0 0 0 0
MERCK & COMPANY Com 589331107 4,627,002 68,867 SH
Sole 0 111,813 0 4,854
MERCK & COMPANY Com 589331107 2,502,466 37,246 SH
Defined 0 0 0 0
MERCK & COMPANY Com 589331107 709,097 10,554 SH
Other 0 0 0 0
MICROSOFT CORP Com 594918104 865,701 7,415 SH
Sole 0 15,591 0 3,700
MICROSOFT CORP Com 594918104 744,398 6,376 SH
Defined 0 0 0 0
MICROSOFT CORP Com 594918104 642,125 5,500 SH
Other 0 0 0 0
MINN MINING & MFG Com 604059105 654,784 6,690 SH
Sole 0 15,695 0 2,625
MINN MINING & MFG Com 604059105 884,301 9,035 SH
Defined 0 0 0 0
MINN MINING & MFG Com 604059105 253,986 2,595 SH
Other 0 0 0 0
MOBILEMEDIA CORP Com 607415106 46 22,750 SH
Sole 0 22,750 0 0
MORGAN, J.P.& CO. Com 616880100 568,800 4,492 SH
Sole 0 7,917 0 6,307
MORGAN, J.P.& CO. Com 616880100 509,666 4,025 SH
Defined 0 0 0 0
MORGAN, J.P.& CO. Com 616880100 722,649 5,707 SH
Other 0 0 0 0
MORGAN STANLEY, DEAN WITT Com 617446448 164,448 1,152 SH
Sole 0 2,590 0 3,318
MORGAN STANLEY, DEAN WITT Com 617446448 77,942 546 SH
Defined 0 0 0 0
MORGAN STANLEY, DEAN WITT Com 617446448 600,978 4,210 SH
Other 0 0 0 0
MOTOROLA INC. Com 620076109 549,243 3,730 SH
Sole 0 7,875 0 225
MOTOROLA INC. Com 620076109 477,826 3,245 SH
Defined 0 0 0 0
MOTOROLA INC. Com 620076109 165,656 1,125 SH
Other 0 0 0 0
NESTLE S A SPONSORED ADR Com 641069406 109,338 1,200 SH
Sole 0 3,900 0 0
NESTLE S A SPONSORED ADR Com 641069406 246,011 2,700 SH
Defined 0 0 0 0
NEW ENGLAND ELECTRIC SYST Com 644001109 263,718 5,096 SH
Sole 0 8,997 0 500
NEW ENGLAND ELECTRIC SYST Com 644001109 139,777 2,701 SH
Defined 0 0 0 0
NEW ENGLAND ELECTRIC SYST Com 644001109 87,975 1,700 SH
Other 0 0 0 0
NEXTEL COMMUNICATIONS INC Com 65332V103 355,781 3,450 SH
Sole 0 3,450 0 0
ADR NORTEL NETWORKS CORP Com 656569100 989,800 9,800 SH
Sole 0 11,510 0 1,000
ADR NORTEL NETWORKS CORP Com 656569100 112,110 1,110 SH
Defined 0 0 0 0
ADR NORTEL NETWORKS CORP Com 656569100 161,600 1,600 SH
Other 0 0 0 0
NSTAR COM Com 67019E107 335,178 8,276 SH
Sole 0 7,670 0 2,660
NSTAR COM Com 67019E107 60,507 1,494 SH
Defined 0 0 0 0
NSTAR COM Com 67019E107 22,680 560 SH
Other 0 0 0 0
ORACLE SYSTEMS CORPORATIO Com 68389X105 78,444 700 SH
Sole 0 1,937 0 800
ORACLE SYSTEMS CORPORATIO Com 68389X105 33,619 300 SH
Defined 0 0 0 0
ORACLE SYSTEMS CORPORATIO Com 68389X105 194,653 1,737 SH
Other 0 0 0 0
PNC BANK CORP Com 693475105 38,270 860 SH
Sole 0 4,966 0 760
PNC BANK CORP Com 693475105 4,450 100 SH
Defined 0 0 0 0
PNC BANK CORP Com 693475105 212,087 4,766 SH
Other 0 0 0 0
PPG INDUSTRIES Com 693506107 118,869 1,900 SH
Sole 0 7,796 0 0
PPG INDUSTRIES Com 693506107 87,588 1,400 SH
Defined 0 0 0 0
PPG INDUSTRIES Com 693506107 281,281 4,496 SH
Other 0 0 0 0
PEAPACK GLADSTONE FINANCI Com 704699107 681,345 15,141 SH
Sole 0 15,141 0 0
PEPSICO, INC Com 713448108 1,194,411 33,884 SH
Sole 0 48,867 0 1,300
PEPSICO, INC Com 713448108 499,951 14,183 SH
Defined 0 0 0 0
PEPSICO, INC Com 713448108 74,025 2,100 SH
Other 0 0 0 0
PERKINELMER INC Com 714046109 333,500 8,000 SH
Sole 0 8,000 0 0
PFIZER, INC. Com 717081103 1,711,889 52,775 SH
Sole 0 95,464 0 16,890
PFIZER, INC. Com 717081103 1,037,319 31,979 SH
Defined 0 0 0 0
PFIZER, INC. Com 717081103 895,275 27,600 SH
Other 0 0 0 0
PHILIP MORRIS COS, INC Com 718154107 901,439 39,193 SH
Sole 0 57,413 0 2,200
PHILIP MORRIS COS, INC Com 718154107 451,260 19,620 SH
Defined 0 0 0 0
PHILIP MORRIS COS, INC Com 718154107 18,400 800 SH
Other 0 0 0 0
PITNEY BOWES INC Com 724479100 154,600 3,200 SH
Sole 0 6,200 0 0
PITNEY BOWES INC Com 724479100 144,938 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 6,303,301 57,532 SH
Sole 0 69,210 0 5,330
PROCTOR & GAMBLE Com 742718109 997,019 9,100 SH
Defined 0 0 0 0
PROCTOR & GAMBLE Com 742718109 866,420 7,908 SH
Other 0 0 0 0
ROYAL BANK OF SCOTLAND GR Pfd 780097879 556,875 30,000 SH
Sole 0 38,050 0 600
ROYAL BANK OF SCOTLAND GR Pfd 780097879 149,428 8,050 SH
Defined 0 0 0 0
ROYAL BANK OF SCOTLAND GR Pfd 780097879 11,138 600 SH
Other 0 0 0 0
ROYAL DUTCH PETR CO. N. Com 780257804 345,933 5,712 SH
Sole 0 15,934 0 0
ROYAL DUTCH PETR CO. N. Com 780257804 619,070 10,222 SH
Defined 0 0 0 0
SBC COMMUNICATIONS INC Com 78387G103 4,931,648 101,162 SH
Sole 0 129,331 0 43,485
SBC COMMUNICATIONS INC Com 78387G103 1,595,588 32,730 SH
Defined 0 0 0 0
SBC COMMUNICATIONS INC Com 78387G103 1,897,545 38,924 SH
Other 0 0 0 0
SARA LEE CORP Com 803111103 429,402 19,463 SH
Sole 0 31,363 0 400
SARA LEE CORP Com 803111103 271,369 12,300 SH
Defined 0 0 0 0
SCHLUMBERGER, LTD Com 806857108 216,081 3,850 SH
Sole 0 6,505 0 300
SCHLUMBERGER, LTD Com 806857108 160,237 2,855 SH
Defined 0 0 0 0
SCHLUMBERGER, LTD Com 806857108 5,613 100 SH
Other 0 0 0 0
SEACOAST FINANCIAL Com 81170Q106 146,150 14,346 SH
Sole 0 14,346 0 0
SEARS ROEBUCK CO Com 812387108 57,530 1,894 SH
Sole 0 3,637 0 4,378
SEARS ROEBUCK CO Com 812387108 18,225 600 SH
Defined 0 0 0 0
SEARS ROEBUCK CO Com 812387108 167,700 5,521 SH
Other 0 0 0 0
SMITHKLINE BEECHAM P L C Com 832378301 320,625 5,000 SH
Defined 0 5,000 0 0
SOUTHERN COMPANY Com 842587107 137,922 5,869 SH
Sole 0 8,786 0 3,132
SOUTHERN COMPANY Com 842587107 85,188 3,625 SH
Defined 0 0 0 0
SOUTHERN COMPANY Com 842587107 56,964 2,424 SH
Other 0 0 0 0
SPRINT CORP Com 852061100 195,206 2,900 SH
Sole 0 9,200 0 0
SPRINT CORP Com 852061100 424,069 6,300 SH
Defined 0 0 0 0
SPRINT CORP PCS Com 852061506 56,375 550 SH
Sole 0 2,125 0 0
SPRINT CORP PCS Com 852061506 161,438 1,575 SH
Defined 0 0 0 0
STAPLES INCORPORATED (RET Com 855030102 406,700 19,600 SH
Sole 0 25,430 0 1,400
STAPLES INCORPORATED (RET Com 855030102 150,023 7,230 SH
Defined 0 0 0 0
STATE STREET CORP Com 857477103 54,797 750 SH
Sole 0 3,150 0 9,152
STATE STREET CORP Com 857477103 175,350 2,400 SH
Defined 0 0 0 0
STATE STREET CORP Com 857477103 668,668 9,152 SH
Other 0 0 0 0
SUMMIT BANCORP NEW Com 866005101 373,870 12,208 SH
Sole 0 12,508 0 300
SUMMIT BANCORP NEW Com 866005101 9,188 300 SH
Defined 0 0 0 0
SUMMIT BANCORP NEW Com 866005101 9,188 300 SH
Other 0 0 0 0
SUN MICROSYSTEMS INC Com 866810104 383,316 4,950 SH
Sole 0 8,878 0 1,600
SUN MICROSYSTEMS INC Com 866810104 249,968 3,228 SH
Defined 0 0 0 0
SUN MICROSYSTEMS INC Com 866810104 178,106 2,300 SH
Other 0 0 0 0
SYSCO CORP. Com 871829107 648,825 16,400 SH
Sole 0 16,400 0 0
TJX COMPANIES Com 872540109 269,775 13,200 SH
Sole 0 14,332 0 100
TJX COMPANIES Com 872540109 25,179 1,232 SH
Defined 0 0 0 0
TEXACO, INC. Com 881694103 306,757 5,648 SH
Sole 0 6,788 0 300
TEXACO, INC. Com 881694103 59,744 1,100 SH
Defined 0 0 0 0
TEXACO, INC. Com 881694103 18,466 340 SH
Other 0 0 0 0
TEXAS INSTRUMENTS Com 882508104 202,913 2,100 SH
Sole 0 3,100 0 488
TEXAS INSTRUMENTS Com 882508104 96,625 1,000 SH
Defined 0 0 0 0
TEXAS INSTRUMENTS Com 882508104 47,153 488 SH
Other 0 0 0 0
TIME WARNER INC. Com 887315109 658,044 9,100 SH
Sole 0 10,950 0 0
TIME WARNER INC. Com 887315109 133,778 1,850 SH
Defined 0 0 0 0
TYCO INTL LTD NEW Com 902124106 637,728 16,352 SH
Sole 0 24,708 0 1,750
TYCO INTL LTD NEW Com 902124106 386,334 9,906 SH
Defined 0 0 0 0
TYCO INTL LTD NEW Com 902124106 7,800 200 SH
Other 0 0 0 0
UNION CARBIDE CORP Com 905581104 158,331 2,372 SH
Sole 0 3,272 0 0
UNION CARBIDE CORP Com 905581104 60,075 900 SH
Other 0 0 0 0
UNION PACIFIC CORP Com 907818108 149,499 3,422 SH
Sole 0 10,622 0 1,058
UNION PACIFIC CORP Com 907818108 360,771 8,258 SH
Defined 0 0 0 0
UNITIED PARCEL SVC CL B Com 911312106 220,800 3,200 SH
Sole 0 3,200 0 0
U S WEST, INC NEW Com 91273H101 455,760 6,330 SH
Sole 0 11,702 0 4,815
U S WEST, INC NEW Com 91273H101 481,176 6,683 SH
Defined 0 0 0 0
U S WEST, INC NEW Com 91273H101 252,288 3,504 SH
Other 0 0 0 0
UNITED TECHNOLOGIES Com 913017109 122,200 1,880 SH
Sole 0 1,960 0 6,408
UNITED TECHNOLOGIES Com 913017109 5,200 80 SH
Defined 0 0 0 0
UNITED TECHNOLOGIES Com 913017109 416,520 6,408 SH
Other 0 0 0 0
VODAFONE AIRTOUCH PLC Com 92857T107 623,799 12,602 SH
Sole 0 16,222 0 8,170
VODAFONE AIRTOUCH PLC Com 92857T107 155,430 3,140 SH
Defined 0 0 0 0
VODAFONE AIRTOUCH PLC Com 92857T107 428,175 8,650 SH
Other 0 0 0 0
VULCAN MATERIALS CO Com 929160109 1,149,082 28,772 SH
Sole 0 29,572 0 1,800
VULCAN MATERIALS CO Com 929160109 67,894 1,700 SH
Defined 0 0 0 0
VULCAN MATERIALS CO Com 929160109 35,944 900 SH
Other 0 0 0 0
WALGREEN CO. Com 931422109 684,450 23,400 SH
Sole 0 24,400 0 0
WALGREEN CO. Com 931422109 29,250 1,000 SH
Defined 0 0 0 0
WARNER LAMBERT CO Com 934488107 705,318 8,608 SH
Sole 0 17,358 0 0
WARNER LAMBERT CO Com 934488107 716,953 8,750 SH
Defined 0 0 0 0
WELLS FARGO & COMPANY NEW Com 949746101 883,559 21,850 SH
Sole 0 24,835 0 150
WELLS FARGO & COMPANY NEW Com 949746101 126,772 3,135 SH
Defined 0 0 0 0
XEROX CORPORATION Com 984121103 298,159 13,142 SH
Sole 0 14,807 0 2,348
XEROX CORPORATION Com 984121103 36,640 1,615 SH
Defined 0 0 0 0
XEROX CORPORATION Com 984121103 54,405 2,398 SH
Other 0 0 0 0
DAIMLER CHRYSLER AG ORD Com D1668R123 203,970 2,615 SH
Sole 0 2,769 0 513
DAIMLER CHRYSLER AG ORD Com D1668R123 41,184 528 SH
Defined 0 0 0 0
DAIMLER CHRYSLER AG ORD Com D1668R123 10,842 139 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>
