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, 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 Company, 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 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 March 31, 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: 143
Form 13F Information Table Value Total: $289,568,058
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 5,514,233 97,922 SH
Sole 0 132,444 0 20,881
AT&T CORP Com 001957109 2,234,311 39,677 SH
Defined 0 0 0 0
AT&T CORP Com 001957109 885,570 15,726 SH
Other 0 0 0 0
ABBOTT LABORATORIES Com 002824100 1,177,022 33,450 SH
Sole 0 34,700 0 4,400
ABBOTT LABORATORIES Com 002824100 29,909 850 SH
Defined 0 0 0 0
ABBOTT LABORATORIES Com 002824100 168,900 4,800 SH
Other 0 0 0 0
AETNA INC COM STK Com 008117103 191,475 3,450 SH
Sole 0 3,750 0 300
AETNA INC COM STK Com 008117103 16,650 300 SH
Defined 0 0 0 0
AETNA INC COM STK Com 008117103 16,650 300 SH
Other 0 0 0 0
ALCOA INC Com 013817101 252,900 3,600 SH
Sole 0 4,300 0 0
ALCOA INC Com 013817101 49,175 700 SH
Defined 0 0 0 0
ALLSTATE CORP Com 020002101 148,709 6,245 SH
Sole 0 10,599 0 7,516
ALLSTATE CORP Com 020002101 53,245 2,236 SH
Defined 0 0 0 0
ALLSTATE CORP Com 020002101 229,410 9,634 SH
Other 0 0 0 0
AMERICA ONLINE INC DEL Com 02364J104 828,470 12,285 SH
Sole 0 15,045 0 1,000
AMERICA ONLINE INC DEL Com 02364J104 179,384 2,660 SH
Defined 0 0 0 0
AMERICA ONLINE INC DEL Com 02364J104 74,181 1,100 SH
Other 0 0 0 0
AMERICAN ELECTRIC POWER Com 025537101 83,207 2,791 SH
Sole 0 2,991 0 4,058
AMERICAN ELECTRIC POWER Com 025537101 5,963 200 SH
Defined 0 0 0 0
AMERICAN ELECTRIC POWER Com 025537101 120,979 4,058 SH
Other 0 0 0 0
AMER EXPRESS CO Com 025816109 412,557 2,770 SH
Sole 0 5,270 0 900
AMER EXPRESS CO Com 025816109 506,388 3,400 SH
Defined 0 0 0 0
AMERICAN GENERAL CORP Com 026351106 429,918 7,660 SH
Sole 0 7,660 0 1,248
AMERICAN GENERAL CORP Com 026351106 70,044 1,248 SH
Defined 0 0 0 0
AMERICAN HOME PRODUCTS Com 026609107 1,567,243 29,158 SH
Sole 0 49,858 0 9,432
AMERICAN HOME PRODUCTS Com 026609107 1,279,250 23,800 SH
Defined 0 0 0 0
AMERICAN HOME PRODUCTS Com 026609107 340,345 6,332 SH
Other 0 0 0 0
AMERICAN INTL GROUP INC Com 026874107 398,033 3,635 SH
Sole 0 10,679 0 0
AMERICAN INTL GROUP INC Com 026874107 657,767 6,007 SH
Defined 0 0 0 0
AMERICAN INTL GROUP INC Com 026874107 113,552 1,037 SH
Other 0 0 0 0
AMGEN INC Com 031162100 1,411,625 23,000 SH
Sole 0 27,700 0 100
AMGEN INC Com 031162100 294,600 4,800 SH
Other 0 0 0 0
ANHEUSER BUSCH COS INC Com 035229103 634,950 10,200 SH
Sole 0 10,567 0 1,500
ANHEUSER BUSCH COS INC Com 035229103 57,083 917 SH
Defined 0 0 0 0
ANHEUSER BUSCH COS INC Com 035229103 59,138 950 SH
Other 0 0 0 0
APPLE COMPUTER INC Com 037833100 196,249 1,445 SH
Sole 0 2,381 0 0
APPLE COMPUTER INC Com 037833100 127,121 936 SH
Defined 0 0 0 0
ATLANTIC RICHFIELD Com 048825103 192,610 2,266 SH
Sole 0 4,360 0 2,448
ATLANTIC RICHFIELD Com 048825103 90,100 1,060 SH
Defined 0 0 0 0
ATLANTIC RICHFIELD Com 048825103 295,970 3,482 SH
Other 0 0 0 0
AUTO DATA PROC INC Com 053015103 436,663 9,050 SH
Sole 0 15,950 0 0
AUTO DATA PROC INC Com 053015103 289,500 6,000 SH
Defined 0 0 0 0
AUTO DATA PROC INC Com 053015103 43,425 900 SH
Other 0 0 0 0
ADR BP AMOCO Com 055622104 1,342,326 25,208 SH
Sole 0 44,878 0 5,492
ADR BP AMOCO Com 055622104 1,117,611 20,988 SH
Defined 0 0 0 0
ADR BP AMOCO Com 055622104 222,266 4,174 SH
Other 0 0 0 0
BANK AMERICA CORP Com 060505104 566,168 10,797 SH
Sole 0 11,747 0 813
BANK AMERICA CORP Com 060505104 60,303 1,150 SH
Defined 0 0 0 0
BANK AMERICA CORP Com 060505104 32,144 613 SH
Other 0 0 0 0
BANK OF NY CO Com 064057102 976,719 23,500 SH
Sole 0 30,500 0 13,600
BANK OF NY CO Com 064057102 290,938 7,000 SH
Defined 0 0 0 0
BANK OF NY CO Com 064057102 565,250 13,600 SH
Other 0 0 0 0
BANC ONE CORP NEW Com 06423A103 565,214 16,383 SH
Sole 0 97,176 0 10,391
BANC ONE CORP NEW Com 06423A103 110,193 3,194 SH
Defined 0 0 0 0
BANC ONE CORP NEW Com 06423A103 3,035,655 87,990 SH
Other 0 0 0 0
BAXTER INTERNATIONAL INC Com 071813109 457,243 7,294 SH
Sole 0 9,494 0 750
BAXTER INTERNATIONAL INC Com 071813109 122,241 1,950 SH
Defined 0 0 0 0
BAXTER INTERNATIONAL INC Com 071813109 62,688 1,000 SH
Other 0 0 0 0
BELL ATLANTIC CORP Com 077853109 3,439,932 56,277 SH
Sole 0 70,174 0 14,072
BELL ATLANTIC CORP Com 077853109 774,882 12,677 SH
Defined 0 0 0 0
BELL ATLANTIC CORP Com 077853109 934,724 15,292 SH
Other 0 0 0 0
BELLSOUTH CORP Com 079860102 4,698,234 100,229 SH
Sole 0 129,317 0 22,054
BELLSOUTH CORP Com 079860102 948,188 20,228 SH
Defined 0 0 0 0
BELLSOUTH CORP Com 079860102 1,449,094 30,914 SH
Other 0 0 0 0
BENTHOS INCORPORATED Com 082641101 607,895 70,995 SH
Other 0 70,995 0 0
BERKSHIRE HATHAWAY INC CL Com 084670207 140,140 77 SH
Sole 0 171 0 0
BERKSHIRE HATHAWAY INC CL Com 084670207 171,080 94 SH
Defined 0 0 0 0
BESTFOODS Com 08658U101 272,870 5,829 SH
Sole 0 7,029 0 150
BESTFOODS Com 08658U101 56,175 1,200 SH
Defined 0 0 0 0
BESTFOODS Com 08658U101 7,022 150 SH
Other 0 0 0 0
BOEING CO. Com 097023105 369,579 9,774 SH
Sole 0 10,674 0 226
BOEING CO. Com 097023105 30,250 800 SH
Defined 0 0 0 0
BOEING CO. Com 097023105 12,327 326 SH
Other 0 0 0 0
BOSTON SCIENTIFIC CORP Com 101137107 399,801 18,759 SH
Sole 0 21,463 0 700
BOSTON SCIENTIFIC CORP Com 101137107 64,023 3,004 SH
Defined 0 0 0 0
BOSTON SCIENTIFIC CORP Com 101137107 8,525 400 SH
Other 0 0 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108 6,809,200 117,400 SH
Sole 0 137,120 0 6,450
BRISTOL-MYERS SQUIBB CO Com 110122108 1,311,960 22,620 SH
Defined 0 0 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108 205,900 3,550 SH
Other 0 0 0 0
CCBT FINANCIAL COS, INC. Com 12500Q102 2,366,657 183,818 SH
Sole 0 0 0 912,164
CCBT FINANCIAL COS, INC. Com 12500Q102 69,692 5,413 SH
Defined 0 0 0 0
CCBT FINANCIAL COS, INC. Com 12500Q102 9,307,762 722,933 SH
Other 0 0 0 0
CIGNA CORP. Com 125509109 333,982 4,409 SH
Sole 0 4,409 0 606
CIGNA CORP. Com 125509109 45,905 606 SH
Other 0 0 0 0
CVS CORP COM STK Com 126650100 341,819 9,100 SH
Sole 0 11,000 0 0
CVS CORP COM STK Com 126650100 71,369 1,900 SH
Defined 0 0 0 0
CARNIVAL CORP COM CL A Com 143658102 25,309 1,020 SH
Sole 0 11,530 0 0
CARNIVAL CORP COM CL A Com 143658102 235,967 9,510 SH
Defined 0 0 0 0
CARNIVAL CORP COM CL A Com 143658102 24,813 1,000 SH
Other 0 0 0 0
CHASE MANHATTAN CORP NEW Com 16161A108 610,225 6,999 SH
Sole 0 7,075 0 4,642
CHASE MANHATTAN CORP NEW Com 16161A108 16,391 188 SH
Defined 0 0 0 0
CHASE MANHATTAN CORP NEW Com 16161A108 394,959 4,530 SH
Other 0 0 0 0
CHEVRON CORP Com 166751107 697,349 7,544 SH
Sole 0 8,184 0 3,900
CHEVRON CORP Com 166751107 244,035 2,640 SH
Defined 0 0 0 0
CHEVRON CORP Com 166751107 175,631 1,900 SH
Other 0 0 0 0
CISCO SYSTEMS Com 17275R102 2,434,261 31,486 SH
Sole 0 48,658 0 5,600
CISCO SYSTEMS Com 17275R102 925,585 11,972 SH
Defined 0 0 0 0
CISCO SYSTEMS Com 17275R102 834,975 10,800 SH
Other 0 0 0 0
CITIGROUP INC Com 172967101 2,159,631 36,069 SH
Sole 0 40,751 0 8,190
CITIGROUP INC Com 172967101 360,567 6,022 SH
Defined 0 0 0 0
CITIGROUP INC Com 172967101 410,144 6,850 SH
Other 0 0 0 0
CITIGROUP CAP PFD W Pfd 17306K209 334,606 15,700 SH
Sole 0 17,600 0 2,200
CITIGROUP CAP PFD W Pfd 17306K209 74,594 3,500 SH
Defined 0 0 0 0
CITIGROUP CAP PFD W Pfd 17306K209 12,788 600 SH
Other 0 0 0 0
CITIZENS UTILITIES CL B Com 177342201 436,934 26,683 SH
Defined 0 26,683 0 0
COCA COLA CO. Com 191216100 1,774,003 37,795 SH
Sole 0 41,398 0 3,750
COCA COLA CO. Com 191216100 159,728 3,403 SH
Defined 0 0 0 0
COCA COLA CO. Com 191216100 185,403 3,950 SH
Other 0 0 0 0
COLGATE PALMOLIVE Com 194162103 906,848 16,086 SH
Sole 0 18,186 0 1,400
COLGATE PALMOLIVE Com 194162103 50,738 900 SH
Defined 0 0 0 0
COLGATE PALMOLIVE Com 194162103 146,575 2,600 SH
Other 0 0 0 0
CONSTELLATION ENERGY GROU Com 210371100 194,724 6,109 SH
Sole 0 6,409 0 0
CONSTELLATION ENERGY GROU Com 210371100 9,563 300 SH
Defined 0 0 0 0
CORNING INC Com 219350105 979,700 5,050 SH
Sole 0 5,750 0 1,450
CORNING INC Com 219350105 135,800 700 SH
Defined 0 0 0 0
CORNING INC Com 219350105 281,300 1,450 SH
Other 0 0 0 0
DELL COMPUTER CO Com 247025109 129,989 2,410 SH
Sole 0 3,860 0 0
DELL COMPUTER CO Com 247025109 26,969 500 SH
Defined 0 0 0 0
DELL COMPUTER CO Com 247025109 51,241 950 SH
Other 0 0 0 0
DISNEY Com 254687106 746,749 18,103 SH
Sole 0 30,195 0 450
DISNEY Com 254687106 191,483 4,642 SH
Defined 0 0 0 0
DISNEY Com 254687106 325,875 7,900 SH
Other 0 0 0 0
DOMINION RESOURCES, INC V Com 25746U109 161,476 4,201 SH
Sole 0 10,376 0 2,284
DOMINION RESOURCES, INC V Com 25746U109 282,862 7,359 SH
Defined 0 0 0 0
DOMINION RESOURCES, INC V Com 25746U109 42,281 1,100 SH
Other 0 0 0 0
DOVER CORP. Com 260003108 286,532 5,985 SH
Sole 0 6,985 0 0
DOVER CORP. Com 260003108 47,875 1,000 SH
Other 0 0 0 0
DOW CHEMICAL CO Com 260543103 308,028 2,702 SH
Sole 0 7,077 0 450
DOW CHEMICAL CO Com 260543103 498,750 4,375 SH
Defined 0 0 0 0
DOW CHEMICAL CO Com 260543103 51,300 450 SH
Other 0 0 0 0
DUPONT DE NEMOURS & CO Com 263534109 1,072,937 20,268 SH
Sole 0 35,508 0 4,925
DUPONT DE NEMOURS & CO Com 263534109 799,886 15,110 SH
Defined 0 0 0 0
DUPONT DE NEMOURS & CO Com 263534109 267,599 5,055 SH
Other 0 0 0 0
EMC CORP Com 268648102 3,034,080 24,080 SH
Sole 0 31,372 0 1,300
EMC CORP Com 268648102 1,006,992 7,992 SH
Defined 0 0 0 0
EMC CORP Com 268648102 75,600 600 SH
Other 0 0 0 0
EASTMAN KODAK CO Com 277461109 247,882 4,564 SH
Sole 0 5,606 0 1,404
EASTMAN KODAK CO Com 277461109 128,721 2,370 SH
Defined 0 0 0 0
EASTMAN KODAK CO Com 277461109 4,128 76 SH
Other 0 0 0 0
ELECTRONIC DATA SYS CORP Com 285661104 164,577 2,564 SH
Sole 0 3,284 0 1,535
ELECTRONIC DATA SYS CORP Com 285661104 25,675 400 SH
Defined 0 0 0 0
ELECTRONIC DATA SYS CORP Com 285661104 119,068 1,855 SH
Other 0 0 0 0
EMERSON ELECTRIC CO Com 291011104 142,269 2,678 SH
Sole 0 11,404 0 78
EMERSON ELECTRIC CO Com 291011104 361,250 6,800 SH
Defined 0 0 0 0
EMERSON ELECTRIC CO Com 291011104 106,463 2,004 SH
Other 0 0 0 0
ENRON CORP Com 293561106 314,475 4,200 SH
Sole 0 6,200 0 350
ENRON CORP Com 293561106 149,750 2,000 SH
Defined 0 0 0 0
ENRON CORP Com 293561106 26,206 350 SH
Other 0 0 0 0
EXXON MOBIL CORP Com 30231G102 10,892,389 139,758 SH
Sole 0 199,304 0 64,797
EXXON MOBIL CORP Com 30231G102 4,111,983 52,760 SH
Defined 0 0 0 0
EXXON MOBIL CORP Com 30231G102 5,579,000 71,583 SH
Other 0 0 0 0
FPL GROUP INC Com 302571104 187,567 4,072 SH
Sole 0 4,172 0 500
FPL GROUP INC Com 302571104 27,638 600 SH
Defined 0 0 0 0
FEDERAL NATL MTG ASSN Com 313586109 918,575 16,240 SH
Sole 0 20,890 0 700
FEDERAL NATL MTG ASSN Com 313586109 212,109 3,750 SH
Defined 0 0 0 0
FEDERAL NATL MTG ASSN Com 313586109 90,500 1,600 SH
Other 0 0 0 0
FIFTH THIRD BANCORP Com 316773100 913,248 14,496 SH
Sole 0 14,496 0 0
FIRST UNION CORP Com 337358105 271,329 7,284 SH
Sole 0 8,057 0 200
FIRST UNION CORP Com 337358105 36,244 973 SH
Defined 0 0 0 0
FLEETBOSTON FINANCIAL COR Com 339030108 1,448,539 39,686 SH
Sole 0 105,033 0 44,570
FLEETBOSTON FINANCIAL COR Com 339030108 2,593,800 71,063 SH
Defined 0 0 0 0
FLEETBOSTON FINANCIAL COR Com 339030108 1,418,171 38,854 SH
Other 0 0 0 0
FORD MOTOR CO Com 345370100 297,675 6,480 SH
Sole 0 7,580 0 1,700
FORD MOTOR CO Com 345370100 119,438 2,600 SH
Defined 0 0 0 0
FORD MOTOR CO Com 345370100 9,188 200 SH
Other 0 0 0 0
FORTUNE BRANDS INC Com 349631101 119,000 4,760 SH
Sole 0 11,022 0 1,102
FORTUNE BRANDS INC Com 349631101 37,500 1,500 SH
Defined 0 0 0 0
FORTUNE BRANDS INC Com 349631101 146,600 5,864 SH
Other 0 0 0 0
GTE CORP Com 362320103 3,197,960 45,042 SH
Sole 0 61,687 0 3,517
GTE CORP Com 362320103 757,925 10,675 SH
Defined 0 0 0 0
GTE CORP Com 362320103 673,577 9,487 SH
Other 0 0 0 0
GANNETT INC Com 364730101 246,313 3,500 SH
Sole 0 5,500 0 400
GANNETT INC Com 364730101 140,750 2,000 SH
Defined 0 0 0 0
GANNETT INC Com 364730101 28,150 400 SH
Other 0 0 0 0
GENERAL ELECTRIC CO Com 369604103 36,745,174 236,114 SH
Sole 0 289,840 0 74,265
GENERAL ELECTRIC CO Com 369604103 8,957,775 57,560 SH
Defined 0 0 0 0
GENERAL ELECTRIC CO Com 369604103 10,960,824 70,431 SH
Other 0 0 0 0
GENERAL MILLS Com 370334104 173,700 4,800 SH
Sole 0 9,400 0 1,576
GENERAL MILLS Com 370334104 166,463 4,600 SH
Defined 0 0 0 0
GENERAL MILLS Com 370334104 57,032 1,576 SH
Other 0 0 0 0
GENERAL MOTORS CORP Com 370442105 307,234 3,710 SH
Sole 0 5,196 0 3,027
GENERAL MOTORS CORP Com 370442105 80,659 974 SH
Defined 0 0 0 0
GENERAL MOTORS CORP Com 370442105 293,073 3,539 SH
Other 0 0 0 0
GILLETTE CO Com 375766102 659,682 17,504 SH
Sole 0 23,304 0 17,604
GILLETTE CO Com 375766102 874,501 23,204 SH
Defined 0 0 0 0
GILLETTE CO Com 375766102 7,538 200 SH
Other 0 0 0 0
GLOBAL MARINE INC Com 379352404 207,263 8,168 SH
Sole 0 8,268 0 0
GLOBAL MARINE INC Com 379352404 2,538 100 SH
Other 0 0 0 0
HALLIBURTON CO Com 406216101 187,777 4,566 SH
Sole 0 7,082 0 1,150
HALLIBURTON CO Com 406216101 94,588 2,300 SH
Defined 0 0 0 0
HALLIBURTON CO Com 406216101 56,177 1,366 SH
Other 0 0 0 0
HEINZ, H.J. CO. Com 423074103 439,425 12,600 SH
Sole 0 16,300 0 1,200
HEINZ, H.J. CO. Com 423074103 129,038 3,700 SH
Defined 0 0 0 0
HEINZ, H.J. CO. Com 423074103 41,850 1,200 SH
Other 0 0 0 0
HEWLETT PACKARD Com 428236103 2,295,416 17,275 SH
Sole 0 24,725 0 1,500
HEWLETT PACKARD Com 428236103 943,413 7,100 SH
Defined 0 0 0 0
HEWLETT PACKARD Com 428236103 245,819 1,850 SH
Other 0 0 0 0
HOME DEPOT INC Com 437076102 2,127,597 32,986 SH
Sole 0 48,609 0 1,325
HOME DEPOT INC Com 437076102 706,146 10,948 SH
Defined 0 0 0 0
HOME DEPOT INC Com 437076102 387,000 6,000 SH
Other 0 0 0 0
HONEYWELL INT INC Com 438516106 150,159 2,850 SH
Sole 0 5,956 0 0
HONEYWELL INT INC Com 438516106 124,132 2,356 SH
Defined 0 0 0 0
HONEYWELL INT INC Com 438516106 39,516 750 SH
Other 0 0 0 0
INTEL CORP Com 458140100 2,749,222 20,837 SH
Sole 0 28,409 0 2,500
INTEL CORP Com 458140100 649,396 4,922 SH
Defined 0 0 0 0
INTEL CORP Com 458140100 679,478 5,150 SH
Other 0 0 0 0
INTERNATIONAL BUSINESS MA Com 459200101 2,461,716 20,862 SH
Sole 0 40,831 0 4,769
INTERNATIONAL BUSINESS MA Com 459200101 856,798 7,261 SH
Defined 0 0 0 0
INTERNATIONAL BUSINESS MA Com 459200101 2,062,286 17,477 SH
Other 0 0 0 0
JOHNSON & JOHNSON Com 478160104 1,677,219 23,875 SH
Sole 0 37,080 0 4,125
JOHNSON & JOHNSON Com 478160104 853,538 12,150 SH
Defined 0 0 0 0
JOHNSON & JOHNSON Com 478160104 363,895 5,180 SH
Other 0 0 0 0
KIMBERLY CLARK CORP Com 494368103 987,205 17,609 SH
Sole 0 21,627 0 2,392
KIMBERLY CLARK CORP Com 494368103 246,451 4,396 SH
Defined 0 0 0 0
KIMBERLY CLARK CORP Com 494368103 112,910 2,014 SH
Other 0 0 0 0
LILLY ELI & CO Com 532457108 519,788 8,300 SH
Sole 0 18,426 0 0
LILLY ELI & CO Com 532457108 634,141 10,126 SH
Defined 0 0 0 0
LUCENT TECHNOLOGIES Com 549463107 7,190,138 117,390 SH
Sole 0 149,551 0 26,863
LUCENT TECHNOLOGIES Com 549463107 2,111,288 34,470 SH
Defined 0 0 0 0
LUCENT TECHNOLOGIES Com 549463107 1,503,933 24,554 SH
Other 0 0 0 0
MBNA CORP Com 55262L100 33,456 1,312 SH
Sole 0 14,812 0 0
MBNA CORP Com 55262L100 344,250 13,500 SH
Defined 0 0 0 0
MCI WORLDCOM INC Com 55268B106 790,930 17,455 SH
Sole 0 24,045 0 1,747
MCI WORLDCOM INC Com 55268B106 290,680 6,415 SH
Defined 0 0 0 0
MCI WORLDCOM INC Com 55268B106 87,091 1,922 SH
Other 0 0 0 0
MCDONALDS CORP. Com 580135101 279,565 7,480 SH
Sole 0 19,830 0 4,240
MCDONALDS CORP. Com 580135101 620,051 16,590 SH
Defined 0 0 0 0
MEDIAONE GROUP INC. Com 58440J104 399,816 4,936 SH
Sole 0 6,729 0 2,379
MEDIAONE GROUP INC. Com 58440J104 160,380 1,980 SH
Defined 0 0 0 0
MEDIAONE GROUP INC. Com 58440J104 177,552 2,192 SH
Other 0 0 0 0
MEDTRONIC INC Com 585055106 1,105,906 21,500 SH
Sole 0 24,400 0 1,000
MEDTRONIC INC Com 585055106 92,588 1,800 SH
Defined 0 0 0 0
MEDTRONIC INC Com 585055106 108,019 2,100 SH
Other 0 0 0 0
MELLON FINANCIAL CORP Com 58551A108 53,550 1,800 SH
Sole 0 6,800 0 5,640
MELLON FINANCIAL CORP Com 58551A108 238,000 8,000 SH
Defined 0 0 0 0
MELLON FINANCIAL CORP Com 58551A108 78,540 2,640 SH
Other 0 0 0 0
MERCK & COMPANY Com 589331107 4,562,584 73,442 SH
Sole 0 111,338 0 4,254
MERCK & COMPANY Com 589331107 2,285,952 36,796 SH
Defined 0 0 0 0
MERCK & COMPANY Com 589331107 332,617 5,354 SH
Other 0 0 0 0
MICROSOFT CORP Com 594918104 894,625 8,420 SH
Sole 0 16,516 0 3,860
MICROSOFT CORP Com 594918104 679,575 6,396 SH
Defined 0 0 0 0
MICROSOFT CORP Com 594918104 590,750 5,560 SH
Other 0 0 0 0
MINN MINING & MFG Com 604059105 627,908 7,090 SH
Sole 0 15,695 0 2,225
MINN MINING & MFG Com 604059105 800,162 9,035 SH
Defined 0 0 0 0
MINN MINING & MFG Com 604059105 158,970 1,795 SH
Other 0 0 0 0
MOBILEMEDIA CORP Com 607415106 114 22,750 SH
Sole 0 22,750 0 0
MORGAN, J.P.& CO. Com 616880100 566,262 4,298 SH
Sole 0 7,723 0 6,307
MORGAN, J.P.& CO. Com 616880100 530,294 4,025 SH
Defined 0 0 0 0
MORGAN, J.P.& CO. Com 616880100 751,897 5,707 SH
Other 0 0 0 0
MORGAN STANLEY, DEAN WITT Com 617446448 141,219 1,704 SH
Sole 0 4,780 0 6,544
MORGAN STANLEY, DEAN WITT Com 617446448 107,075 1,292 SH
Defined 0 0 0 0
MORGAN STANLEY, DEAN WITT Com 617446448 690,183 8,328 SH
Other 0 0 0 0
MOTOROLA INC. Com 620076109 678,170 4,645 SH
Sole 0 8,915 0 225
MOTOROLA INC. Com 620076109 492,020 3,370 SH
Defined 0 0 0 0
MOTOROLA INC. Com 620076109 164,250 1,125 SH
Other 0 0 0 0
NESTLE S A SPONSORED ADR Com 641069406 53,768 600 SH
Sole 0 3,000 0 0
NESTLE S A SPONSORED ADR Com 641069406 215,071 2,400 SH
Defined 0 0 0 0
NETWORK APPLIANCE INC Com 64120L104 206,875 2,500 SH
Sole 0 2,500 0 0
NEXTEL COMMUNICATIONS INC Com 65332V103 511,463 3,450 SH
Sole 0 3,450 0 0
NOKIA CORPORATION ADR Com 654902204 167,610 755 SH
Sole 0 980 0 0
NOKIA CORPORATION ADR Com 654902204 49,950 225 SH
Defined 0 0 0 0
ADR NORTEL NETWORKS CORP Com 656569100 1,248,638 9,900 SH
Sole 0 10,810 0 1,000
ADR NORTEL NETWORKS CORP Com 656569100 139,999 1,110 SH
Defined 0 0 0 0
ADR NORTEL NETWORKS CORP Com 656569100 100,900 800 SH
Other 0 0 0 0
NSTAR COM Com 67019E107 338,772 8,066 SH
Sole 0 7,005 0 2,765
NSTAR COM Com 67019E107 48,048 1,144 SH
Defined 0 0 0 0
NSTAR COM Com 67019E107 23,520 560 SH
Other 0 0 0 0
ORACLE SYSTEMS CORPORATIO Com 68389X105 113,191 1,450 SH
Sole 0 4,154 0 0
ORACLE SYSTEMS CORPORATIO Com 68389X105 64,792 830 SH
Defined 0 0 0 0
ORACLE SYSTEMS CORPORATIO Com 68389X105 146,289 1,874 SH
Other 0 0 0 0
PNC BANK CORP Com 693475105 34,248 760 SH
Sole 0 4,866 0 760
PNC BANK CORP Com 693475105 4,506 100 SH
Defined 0 0 0 0
PNC BANK CORP Com 693475105 214,768 4,766 SH
Other 0 0 0 0
PPG INDUSTRIES Com 693506107 99,394 1,900 SH
Sole 0 7,196 0 0
PPG INDUSTRIES Com 693506107 41,850 800 SH
Defined 0 0 0 0
PPG INDUSTRIES Com 693506107 235,197 4,496 SH
Other 0 0 0 0
PEAPACK GLADSTONE FINANCI Com 704699107 611,318 15,141 SH
Sole 0 15,141 0 0
PEPSICO, INC Com 713448108 1,109,862 31,824 SH
Sole 0 46,082 0 1,800
PEPSICO, INC Com 713448108 486,785 13,958 SH
Defined 0 0 0 0
PEPSICO, INC Com 713448108 73,238 2,100 SH
Other 0 0 0 0
PERKINELMER INC Com 714046109 532,000 8,000 SH
Sole 0 8,000 0 0
PFIZER, INC. Com 717081103 1,863,773 50,975 SH
Sole 0 93,594 0 17,190
PFIZER, INC. Com 717081103 1,177,642 32,209 SH
Defined 0 0 0 0
PFIZER, INC. Com 717081103 1,009,125 27,600 SH
Other 0 0 0 0
PHILIP MORRIS COS, INC Com 718154107 675,852 31,993 SH
Sole 0 49,963 0 1,700
PHILIP MORRIS COS, INC Com 718154107 398,629 18,870 SH
Defined 0 0 0 0
PHILIP MORRIS COS, INC Com 718154107 16,900 800 SH
Other 0 0 0 0
PITNEY BOWES INC Com 724479100 143,000 3,200 SH
Sole 0 5,200 0 0
PITNEY BOWES INC Com 724479100 89,375 2,000 SH
Defined 0 0 0 0
PLEASANT BAY CORP Com 728990102 1,405,809 8,135 SH
Sole 0 8,135 0 0
PROCTOR & GAMBLE Com 742718109 3,239,553 57,337 SH
Sole 0 70,965 0 5,880
PROCTOR & GAMBLE Com 742718109 655,400 11,600 SH
Defined 0 0 0 0
PROCTOR & GAMBLE Com 742718109 446,802 7,908 SH
Other 0 0 0 0
ROYAL BANK OF SCOTLAND GR Pfd 780097879 547,081 27,100 SH
Sole 0 35,150 0 600
ROYAL BANK OF SCOTLAND GR Pfd 780097879 162,509 8,050 SH
Defined 0 0 0 0
ROYAL BANK OF SCOTLAND GR Pfd 780097879 12,113 600 SH
Other 0 0 0 0
ROYAL DUTCH PETR CO. N. Com 780257804 314,038 5,432 SH
Sole 0 15,554 0 0
ROYAL DUTCH PETR CO. N. Com 780257804 585,178 10,122 SH
Defined 0 0 0 0
SBC COMMUNICATIONS INC Com 78387G103 4,159,633 98,745 SH
Sole 0 125,933 0 40,551
SBC COMMUNICATIONS INC Com 78387G103 1,362,702 32,349 SH
Defined 0 0 0 0
SBC COMMUNICATIONS INC Com 78387G103 1,490,804 35,390 SH
Other 0 0 0 0
SARA LEE CORP Com 803111103 325,134 18,063 SH
Sole 0 39,963 0 400
SARA LEE CORP Com 803111103 401,400 22,300 SH
Defined 0 0 0 0
SCHLUMBERGER, LTD Com 806857108 327,420 4,280 SH
Sole 0 7,035 0 200
SCHLUMBERGER, LTD Com 806857108 218,408 2,855 SH
Defined 0 0 0 0
SCHLUMBERGER, LTD Com 806857108 7,650 100 SH
Other 0 0 0 0
SEACOAST FINANCIAL Com 81170Q106 141,667 14,346 SH
Sole 0 14,546 0 300
SEACOAST FINANCIAL Com 81170Q106 4,938 500 SH
Defined 0 0 0 0
SEARS ROEBUCK CO Com 812387108 51,879 1,694 SH
Sole 0 3,437 0 4,246
SEARS ROEBUCK CO Com 812387108 18,375 600 SH
Defined 0 0 0 0
SEARS ROEBUCK CO Com 812387108 165,038 5,389 SH
Other 0 0 0 0
SMITHKLINE BEECHAM P L C Com 832378301 330,313 5,000 SH
Defined 0 5,000 0 0
SOUTHERN COMPANY Com 842587107 127,651 5,869 SH
Sole 0 7,886 0 3,282
SOUTHERN COMPANY Com 842587107 62,531 2,875 SH
Defined 0 0 0 0
SOUTHERN COMPANY Com 842587107 52,722 2,424 SH
Other 0 0 0 0
SPRINT CORP Com 852061100 183,425 2,900 SH
Sole 0 9,200 0 0
SPRINT CORP Com 852061100 398,475 6,300 SH
Defined 0 0 0 0
SPRINT CORP PCS Com 852061506 72,050 1,100 SH
Sole 0 4,250 0 0
SPRINT CORP PCS Com 852061506 206,325 3,150 SH
Defined 0 0 0 0
STAPLES INCORPORATED (RET Com 855030102 414,740 20,737 SH
Sole 0 24,737 0 1,100
STAPLES INCORPORATED (RET Com 855030102 102,000 5,100 SH
Defined 0 0 0 0
STATE STREET CORP Com 857477103 72,656 750 SH
Sole 0 3,000 0 9,302
STATE STREET CORP Com 857477103 232,500 2,400 SH
Defined 0 0 0 0
STATE STREET CORP Com 857477103 886,600 9,152 SH
Other 0 0 0 0
SUMMIT BANCORP NEW Com 866005101 304,710 11,608 SH
Sole 0 11,608 0 300
SUMMIT BANCORP NEW Com 866005101 7,875 300 SH
Other 0 0 0 0
SUN MICROSYSTEMS INC Com 866810104 768,366 8,200 SH
Sole 0 12,010 0 600
SUN MICROSYSTEMS INC Com 866810104 296,102 3,160 SH
Defined 0 0 0 0
SUN MICROSYSTEMS INC Com 866810104 117,129 1,250 SH
Other 0 0 0 0
SYSCO CORP. Com 871829107 592,450 16,400 SH
Sole 0 16,400 0 0
TARGET CORP Com 87612E106 215,280 2,880 SH
Sole 0 2,480 0 400
TEXACO, INC. Com 881694103 303,580 5,648 SH
Sole 0 6,688 0 300
TEXACO, INC. Com 881694103 53,750 1,000 SH
Defined 0 0 0 0
TEXACO, INC. Com 881694103 18,275 340 SH
Other 0 0 0 0
TEXAS INSTRUMENTS Com 882508104 292,800 1,830 SH
Sole 0 3,130 0 188
TEXAS INSTRUMENTS Com 882508104 208,000 1,300 SH
Defined 0 0 0 0
TEXAS INSTRUMENTS Com 882508104 30,080 188 SH
Other 0 0 0 0
TIME WARNER INC. Com 887315109 870,000 8,700 SH
Sole 0 10,150 0 0
TIME WARNER INC. Com 887315109 145,000 1,450 SH
Defined 0 0 0 0
TYCO INTL LTD NEW Com 902124106 1,703,097 33,977 SH
Sole 0 44,713 0 1,700
TYCO INTL LTD NEW Com 902124106 605,811 12,086 SH
Defined 0 0 0 0
TYCO INTL LTD NEW Com 902124106 17,544 350 SH
Other 0 0 0 0
UNION PACIFIC CORP Com 907818108 124,418 3,180 SH
Sole 0 10,380 0 1,058
UNION PACIFIC CORP Com 907818108 323,094 8,258 SH
Defined 0 0 0 0
UNITED NATIONAL BANCORP Com 910909100 436,899 20,262 SH
Sole 0 20,262 0 0
UNITIED PARCEL SVC CL B Com 911312106 195,264 3,100 SH
Sole 0 3,175 0 100
UNITIED PARCEL SVC CL B Com 911312106 6,299 100 SH
Defined 0 0 0 0
UNITIED PARCEL SVC CL B Com 911312106 4,724 75 SH
Other 0 0 0 0
U S WEST, INC NEW Com 91273H101 521,230 7,177 SH
Sole 0 12,549 0 3,932
U S WEST, INC NEW Com 91273H101 485,353 6,683 SH
Defined 0 0 0 0
U S WEST, INC NEW Com 91273H101 190,350 2,621 SH
Other 0 0 0 0
UNITED TECHNOLOGIES Com 913017109 118,793 1,880 SH
Sole 0 1,680 0 6,608
UNITED TECHNOLOGIES Com 913017109 404,906 6,408 SH
Other 0 0 0 0
VODAFONE AIRTOUCH PLC Com 92857T107 624,911 11,247 SH
Sole 0 14,527 0 8,055
VODAFONE AIRTOUCH PLC Com 92857T107 166,965 3,005 SH
Defined 0 0 0 0
VODAFONE AIRTOUCH PLC Com 92857T107 462,836 8,330 SH
Other 0 0 0 0
VULCAN MATERIALS CO Com 929160109 1,247,108 27,222 SH
Sole 0 28,022 0 1,800
VULCAN MATERIALS CO Com 929160109 77,881 1,700 SH
Defined 0 0 0 0
VULCAN MATERIALS CO Com 929160109 41,231 900 SH
Other 0 0 0 0
WALGREEN CO. Com 931422109 517,575 20,100 SH
Sole 0 20,700 0 0
WALGREEN CO. Com 931422109 15,450 600 SH
Defined 0 0 0 0
WARNER LAMBERT CO Com 934488107 938,582 9,608 SH
Sole 0 18,058 0 300
WARNER LAMBERT CO Com 934488107 854,766 8,750 SH
Defined 0 0 0 0
WELLS FARGO & COMPANY NEW Com 949746101 1,303,389 31,985 SH
Sole 0 35,420 0 350
WELLS FARGO & COMPANY NEW Com 949746101 146,089 3,585 SH
Defined 0 0 0 0
WELLS FARGO & COMPANY NEW Com 949746101 8,150 200 SH
Other 0 0 0 0
XEROX CORPORATION Com 984121103 209,300 8,050 SH
Sole 0 8,765 0 2,448
XEROX CORPORATION Com 984121103 38,090 1,465 SH
Defined 0 0 0 0
XEROX CORPORATION Com 984121103 44,148 1,698 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>
