CENTRAL CAROLINA BANK & TRUST CO N C
13F-HR, 1999-07-23
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                                                 UNITED STATES
                                       SECURITIES AND EXCHANGE COMMISSION
                                            Washington, D.C.  20549
                                                    FORM 13F
                                              FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: 06/30/1999

Check here if Amendment       [ ]             Amendment Number:

This Amendment                [ ]             is a restatement
                              [ ]             adds new holding entries

Institutional Investment Manager Filing this Report:

Name:       CENTRAL CAROLINA BANK & TRUST
Address:    PO BOX 30010
            DURHAM, NC  27702


13F File Number: 28-01342

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 intergral parts of
this form.

Person Signing this Report on Behalf of Reporting Manager:

Name: ANTON HAMMOCK
Title: FIRST VICE PRESIDENT
Phone: 919-683-7567
Signature, Place, and Date of Signing:

ANTON HAMMOCK    DURHAM, NC    07/19/1999

Report Type     (Check only one)
                [X]            13F HOLDINGS REPORT
                [ ]            13F NOTICE
                [ ]            13F COMBINATION REPORT


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:           660
Form 13F Information Table Value Total:           $ 964,505

List of Other Included Managers:

NONE

<TABLE>                                            <C>                         <C>
FORM 13F INFORMATION TABLE
                                   TITLE                   VALUE        SHARES/      SH/ PUT/
  NAME OF ISSUER                   OF CLASS        CUSIP    (X $1000)    PRN AMOUNT   PRN CALL
  SECURITY NAME                    SUBCLASS

  AFLAC INC                        COMMON STOCKS   001055102        1959        40922 SH  CALL
  AFLAC INC                        COMMON STOCKS   001055102         440         9200 SH  CALL
  AT&T CORP                        COMMON STOCKS   001957109        4853        86952 SH  CALL
  AT&T CORP                        COMMON STOCKS   001957109           8          135 SH  CALL
  AT&T CORP                        COMMON STOCKS   001957109         631        11307 SH  CALL
  AT&T CORP                        COMMON STOCKS   001957109          42          749 SH  CALL
  ABBOTT LABS                      COMMON STOCKS   002824100        4016        88516 SH  CALL
  ABBOTT LABS                      COMMON STOCKS   002824100        2111        46525 SH  CALL
  ROWE CORP                        CLOSELY HELD CO 006997019         506        20000 SH
  AEGON N V                        COMMON STOCKS   007924103        7893       106753 SH
  AEGON N V                        COMMON STOCKS   007924103        1244        16822 SH
  AETNA INC                        COMMON STOCKS   008117103         207         2310 SH  CALL
  AIRTOUCH COMMUNICATIONS          COMMON STOCKS   00949T100         323         2996 SH  CALL
  AIRTOUCH COMMUNICATIONS          COMMON STOCKS   00949T100         242         2245 SH  CALL
  AIRTOUCH COMMUNICATIONS          COMMON STOCKS   00949T100          27          255 SH  CALL
  ROSEMYR CORP                     CLOSELY HELD CO 009990011        1594         6898 SH
  ROSEMYR CORP                     CLOSELY HELD CO 009990011        1558         6745 SH
  ALBERTSONS INC                   COMMON STOCKS   013104104         273         5300 SH  CALL
  ALBERTSONS INC                   COMMON STOCKS   013104104        1273        24684 SH  CALL
  ALCOA INC                        COMMON STOCKS   013817101         299         4840 SH
  ALCOA INC                        COMMON STOCKS   013817101          46          736 SH
  ALLEGHANY CORP                   COMMON STOCKS   017175100         244         1317 SH  CALL
  ALLEGHENY ENERGY INC             COMMON STOCKS   017361106         268         8346 SH
  ALLEGHENY ENERGY INC             COMMON STOCKS   017361106          58         1800 SH
  ALLIANCE PORTFOLIOS GROWTH FD    MUTUAL FUNDS-EQ 01877F401         303         5298 PRN
  ALLIED SIGNAL INC                COMMON STOCKS   019512102        3004        47685 SH  CALL
  ALLIED SIGNAL INC                COMMON STOCKS   019512102         775        12300 SH  CALL
  ALLTEL CORP                      COMMON STOCKS   020039103         408         5710 SH  CALL
  ALLTEL CORP                      COMMON STOCKS   020039103          21          296 SH  CALL
  ALLTEL CORP                      COMMON STOCKS   020039103         177         2475 SH  CALL
  ALTERA CORP                      COMMON STOCKS   021441100          96         2600 SH  CALL
  ALTERA CORP                      COMMON STOCKS   021441100         199         5400 SH  CALL
  AMERICAN CENTURY                 MUTUAL FUNDS-EQ 02507M600        2326        95696 PRN
  AMERICAN ELEC PWR INC            COMMON STOCKS   025537101         246         6559 SH  CALL
  AMERICAN ELEC PWR INC            COMMON STOCKS   025537101          80         2118 SH  CALL
  AMERICAN GEN CORP                COMMON STOCKS   026351106         448         5941 SH  CALL
  AMERICAN GEN CORP                COMMON STOCKS   026351106         450         5970 SH  CALL
  AMERICAN HOME PRODS CORP         COMMON STOCKS   026609107        7318       127543 SH  CALL
  AMERICAN HOME PRODS CORP         COMMON STOCKS   026609107        2953        51475 SH  CALL
  AMERICAN INTL GROUP INC          COMMON STOCKS   026874107        1085         9251 SH  CALL
  AMERITECH CORP                   COMMON STOCKS   030954101         935        12720 SH  CALL
  AMERITECH CORP                   COMMON STOCKS   030954101         646         8792 SH  CALL
  AMETEK INC                       COMMON STOCKS   031100100         854        37150 SH
  AMETEK INC                       COMMON STOCKS   031100100         433        18825 SH
  AMGEN INC                        COMMON STOCKS   031162100         378         6210 SH  CALL
  ANHEUSER BUSCH COMPANIES         COMMON STOCKS   035229103        1043        14700 SH  CALL
  ANHEUSER BUSCH COMPANIES         COMMON STOCKS   035229103         780        11000 SH  CALL
  AON CORP                         COMMON STOCKS   037389103         360         8729 SH  CALL
  APPLIED MATERIALS                COMMON STOCKS   038222105        4749        64290 SH  CALL
  APPLIED MATERIALS                COMMON STOCKS   038222105        1274        17250 SH  CALL
  ARCADIA FINANCIAL CORP           COMMON STOCKS   039101100         119        15375 SH
  ASSOCIATES FIRST CAPITAL - A     COMMON STOCKS   046008108         167         3783 SH
  ASSOCIATES FIRST CAPITAL - A     COMMON STOCKS   046008108          44          992 SH
  ATLANTIC RICHFIELD               COMMON STOCKS   048825103        1287        15406 SH  CALL
  ATLANTIC RICHFIELD               COMMON STOCKS   048825103         328         3930 SH  CALL
  AUTODESK INC.                    COMMON STOCKS   052769106         739        25000 SH  CALL
  AUTOMATIC DATA PROCESSING INC    COMMON STOCKS   053015103        1062        24130 SH  CALL
  AUTOMATIC DATA PROCESSING INC    COMMON STOCKS   053015103          35          800 SH  CALL
  AVERY DENNISON CORP              COMMON STOCKS   053611109         242         4000 SH  CALL
  AVNET INC                        COMMON STOCKS   053807103         512        11007 SH  CALL
  BB & T CORPORATION               COMMON STOCKS   054937107        1735        47304 SH
  BP AMOCO PLC                     COMMON STOCKS   055622104        3446        31760 SH
  BP AMOCO PLC                     COMMON STOCKS   055622104         641         5904 SH
  BANDAG INC                       COMMON STOCKS   059815308         234         8305 SH  CALL
  BANDAG INC                       COMMON STOCKS   059815308          33         1175 SH  CALL
  BANK OF AMERICA CORP             COMMON STOCKS   060505104        1741        23742 SH
  BANK OF AMERICA CORP             COMMON STOCKS   060505104        2025        27618 SH
  BANK OF NEW YORK INC             COMMON STOCKS   064057102         172         4700 SH  CALL
  BANK OF NEW YORK INC             COMMON STOCKS   064057102         396        10800 SH  CALL
  BANK ONE CORP                    COMMON STOCKS   06423A103        1350        22671 SH
  BANK ONE CORP                    COMMON STOCKS   06423A103          95         1603 SH
  BAUSCH & LOMB INC                COMMON STOCKS   071707103          60          786 SH  CALL
  BAUSCH & LOMB INC                COMMON STOCKS   071707103         149         1942 SH  CALL
  BAXTER INTL INC                  COMMON STOCKS   071813109         428         7060 SH  CALL
  BAXTER INTL INC                  COMMON STOCKS   071813109          12          200 SH  CALL
  BEAR STEARNS CO INC              COMMON STOCKS   073902108         178         3812 SH  CALL
  BEAR STEARNS CO INC              COMMON STOCKS   073902108         125         2677 SH  CALL
  BECKMAN COULTER, INC.            COMMON STOCKS   075811109        1320        27150 SH
  BECKMAN COULTER, INC.            COMMON STOCKS   075811109         413         8500 SH
  BECTON DICKINSON & CO            COMMON STOCKS   075887109         301        10040 SH  CALL
  BED BATH & BEYOND                COMMON STOCKS   075896100         560        14543 SH  CALL
  BED BATH & BEYOND                COMMON STOCKS   075896100          39         1000 SH  CALL
  BELL ATLANTIC CORP               COMMON STOCKS   077853109        1535        23476 SH  CALL
  BELL ATLANTIC CORP               COMMON STOCKS   077853109         894        13676 SH  CALL
  BELLSOUTH CORP                   COMMON STOCKS   079860102        1950        42284 SH  CALL
  BELLSOUTH CORP                   COMMON STOCKS   079860102          28          608 SH  CALL
  BELLSOUTH CORP                   COMMON STOCKS   079860102         763        16544 SH  CALL
  BERKSHIRE HATHAWAY INC           COMMON STOCKS   084670108       12402          180 SH  CALL
  BERKSHIRE HATHAWAY INC           COMMON STOCKS   084670207         612          273 SH
  BERKSHIRE HATHAWAY INC           COMMON STOCKS   084670207          49           22 SH
  BESTFOODS, INC.                  COMMON STOCKS   08658U101         208         4200 SH
  BESTFOODS, INC.                  COMMON STOCKS   08658U101          45          900 SH
  BIOGEN INC                       COMMON STOCKS   090597105         238         3700 SH  CALL
  BLOCK H & R INC                  COMMON STOCKS   093671105         215         4300 SH  CALL
  BOEING CO                        COMMON STOCKS   097023105         740        16807 SH  CALL
  BOEING CO                        COMMON STOCKS   097023105         596        13552 SH  CALL
  BRANDYWINE FD INC                MUTUAL FUNDS-EQ 10532D107         253         7314 PRN
  BRISTOL MYERS SQUIBB CO          COMMON STOCKS   110122108        3606        51191 SH  CALL
  BRISTOL MYERS SQUIBB CO          COMMON STOCKS   110122108         859        12200 SH  CALL
  CCB FINL CORP                    COMMON STOCKS   124875105       79763      1508513 SH  CALL
  CCB FINL CORP                    COMMON STOCKS   124875105         973        18400 SH  CALL
  CCB FINL CORP                    COMMON STOCKS   124875105       10412       196922 SH  CALL
  CBRL GROUP INC                   COMMON STOCKS   12489V106        1496        86425 SH
  CBRL GROUP INC                   COMMON STOCKS   12489V106         606        35000 SH
  CBS CORP                         COMMON STOCKS   12490K107         349         8000 SH
  CBS CORP                         COMMON STOCKS   12490K107           4          100 SH
  CCB                              MUTUAL FUNDS-FI 12500E109       29120      2770718 PRN
  CCB                              MUTUAL FUNDS-FI 12500E109        2671       254174 PRN
  CCB                              MUTUAL FUNDS-FI 12500E208       66264      6633016 PRN
  CCB                              MUTUAL FUNDS-FI 12500E208         199        19927 PRN
  CCB                              MUTUAL FUNDS-FI 12500E208        3869       387241 PRN
  CCB                              MUTUAL FUNDS-EQ 12500E307       76706      3342322 PRN
  CCB                              MUTUAL FUNDS-EQ 12500E307         177         7692 PRN
  CCB                              MUTUAL FUNDS-EQ 12500E307        7574       330026 PRN
  CSX CORP                         COMMON STOCKS   126408103         408         8998 SH  CALL
  CSX CORP                         COMMON STOCKS   126408103         321         7066 SH  CALL
  CAP ONE FINANCIAL CORP           COMMON STOCKS   14040H105        8075       145013 SH  CALL
  CAP ONE FINANCIAL CORP           COMMON STOCKS   14040H105         134         2400 SH  CALL
  CAROLINA PWR & LT CO             COMMON STOCKS   144141108        1792        41860 SH  CALL
  CAROLINA PWR & LT CO             COMMON STOCKS   144141108         140         3280 SH  CALL
  CATERPILLAR TRACTOR CO           COMMON STOCKS   149123101         324         5395 SH  CALL
  CATERPILLAR TRACTOR CO           COMMON STOCKS   149123101          48          800 SH  CALL
  CENDANT CORP                     COMMON STOCKS   151313103         784        38240 SH
  CENTURA BKS INC                  COMMON STOCKS   15640T100         437         7760 SH  CALL
  CENTURA BKS INC                  COMMON STOCKS   15640T100        2084        36960 SH  CALL
  CHASE MANHATTAN CORP             COMMON STOCKS   16161A108         543         6283 SH  CALL
  CHASE MANHATTAN CORP             COMMON STOCKS   16161A108         290         3358 SH  CALL
  CHEVRON CORP                     COMMON STOCKS   166751107        1128        11870 SH  CALL
  CHEVRON CORP                     COMMON STOCKS   166751107         228         2400 SH  CALL
  CISCO SYSTEMS                    COMMON STOCKS   17275R102        7136       110738 SH  CALL
  CISCO SYSTEMS                    COMMON STOCKS   17275R102        1308        20300 SH  CALL
  CISCO SYSTEMS                    COMMON STOCKS   17275R102          97         1498 SH  CALL
  CITIGROUP INC                    COMMON STOCKS   172967101        1255        26413 SH
  CITIGROUP INC                    COMMON STOCKS   172967101        1229        25865 SH
  CLAYTON HOMES INC                COMMON STOCKS   184190106         327        28552 SH  CALL
  COCA COLA CO                     COMMON STOCKS   191216100        5233        84400 SH  CALL
  COCA COLA CO                     COMMON STOCKS   191216100         335         5400 SH  CALL
  COLGATE PALMOLIVE CO             COMMON STOCKS   194162103        1265        12846 SH  CALL
  COLGATE PALMOLIVE CO             COMMON STOCKS   194162103         241         2448 SH  CALL
  COLUMBIA/HCA HEALTHCARE CORP     COMMON STOCKS   197677107         111         4869 SH  CALL
  COLUMBIA/HCA HEALTHCARE CORP     COMMON STOCKS   197677107         123         5400 SH  CALL
  COMPAQ COMPUTER CORP             COMMON STOCKS   204493100        2710       114421 SH  CALL
  COMPAQ COMPUTER CORP             COMMON STOCKS   204493100         320        13518 SH  CALL
  COMPAQ COMPUTER CORP             COMMON STOCKS   204493100          12          500 SH  CALL
  COMPUTER ASSOC INT'L INC         COMMON STOCKS   204912109         352         6425 SH  CALL
  COMPUTER SCIENCES CORP           COMMON STOCKS   205363104         278         4020 SH  CALL
  COMPUTER SCIENCES CORP           COMMON STOCKS   205363104         249         3600 SH  CALL
  CONE MILLS CORP                  COMMON STOCKS   206814105          65        10800 SH  CALL
  CONE MILLS CORP                  COMMON STOCKS   206814105         372        61942 SH  CALL
  CONSOLIDTD STORES                COMMON STOCKS   210149100         261         9675 SH
  CONSOLIDTD STORES                COMMON STOCKS   210149100         205         7600 SH
  CORNING INC                      COMMON STOCKS   219350105         252         3600 SH  CALL
  CORPORATE EXPRESS INC            COMMON STOCKS   219888104         759       108450 SH
  CORPORATE EXPRESS INC            COMMON STOCKS   219888104         232        33175 SH
  COUNTRYWIDE CRD INDUSTRIES       COMMON STOCKS   222372104         235         5500 SH
  DALLAS SEMICONDUCTOR CORP        COMMON STOCKS   235204104          86         1700 SH  CALL
  DALLAS SEMICONDUCTOR CORP        COMMON STOCKS   235204104         183         3600 SH  CALL
  DANAHER CORP                     COMMON STOCKS   235851102         212         3643 SH
  DANAHER CORP                     COMMON STOCKS   235851102         526         9041 SH
  DIAL CORP                        COMMON STOCKS   25247D101         201         5392 SH  CALL
  DIAL CORP                        COMMON STOCKS   25247D101          15          400 SH  CALL
  DIEBOLD INC                      COMMON STOCKS   253651103        1675        58261 SH  CALL
  DIEBOLD INC                      COMMON STOCKS   253651103         203         7053 SH  CALL
  DISNEY WALT CO                   COMMON STOCKS   254687106        1460        47374 SH  CALL
  DISNEY WALT CO                   COMMON STOCKS   254687106         213         6900 SH  CALL
  DODGE & COX                      MUTUAL FUNDS-BA 256201104         269         3744 PRN
  DODGE & COX                      MUTUAL FUNDS-EQ 256219106        1299        11992 PRN
  DOMINION RES INC                 COMMON STOCKS   257470104         127         2936 SH  CALL
  DOMINION RES INC                 COMMON STOCKS   257470104          80         1849 SH  CALL
  DOVER CORP                       COMMON STOCKS   260003108         637        18209 SH  CALL
  DOW CHEM CO                      COMMON STOCKS   260543103        1430        11271 SH  CALL
  DOW CHEM CO                      COMMON STOCKS   260543103         290         2285 SH  CALL
  DREYFUS FD                       MUTUAL FUNDS-EQ 262003106         138        11278 PRN
  DU PONT E I DE NEMOURS & CO      COMMON STOCKS   263534109         882        12918 SH  CALL
  DU PONT E I DE NEMOURS & CO      COMMON STOCKS   263534109        1178        17245 SH  CALL
  DU PONT E I DE NEMOURS & CO      COMMON STOCKS   263534109         205         3000 SH  CALL
  DUFF & PHELPS UTILS INCOME INC   CLOSED END FUND 264324104         194        18300 PRN
  DUKE ENERGY CORP                 COMMON STOCKS   264399106        2831        51997 SH  CALL
  DUKE ENERGY CORP                 COMMON STOCKS   264399106         912        16754 SH  CALL
  DUKE ENERGY CORP                 COMMON STOCKS   264399106          49          906 SH  CALL
  DUN & BRADSTREET CORP            COMMON STOCKS   26483B106         190         5350 SH
  DUN & BRADSTREET CORP            COMMON STOCKS   26483B106          57         1600 SH
  EG & G INC                       COMMON STOCKS   268457108         210         5900 SH  CALL
  EG & G INC                       COMMON STOCKS   268457108         570        16000 SH  CALL
  EMC CORP                         COMMON STOCKS   268648102        8072       146768 SH  CALL
  EMC CORP                         COMMON STOCKS   268648102        3212        58400 SH  CALL
  EASTMAN KODAK CO                 COMMON STOCKS   277461109         479         7075 SH  CALL
  EASTMAN KODAK CO                 COMMON STOCKS   277461109         464         6850 SH  CALL
  EATON CORP                       COMMON STOCKS   278058102        1187        12900 SH  CALL
  EATON CORP                       COMMON STOCKS   278058102        1104        12000 SH  CALL
  EATON VANCE FLA                  AUCTION RATE PR 27826B209        1000           40 PRN
  EATON VANCE MUNICIPAL INCOME     CLOSED END FUND 27826U207         700           28 PRN
  ELECTRONICS FOR IMAGING          COMMON STOCKS   286082102         188         3650 SH  CALL
  ELECTRONICS FOR IMAGING          COMMON STOCKS   286082102          51         1000 SH  CALL
  EMERSON ELECTRIC CO              COMMON STOCKS   291011104         340         5410 SH  CALL
  EMERSON ELECTRIC CO              COMMON STOCKS   291011104         291         4630 SH  CALL
  ENRON CORP                       COMMON STOCKS   293561106        1265        15474 SH  CALL
  ENRON CORP                       COMMON STOCKS   293561106         328         4010 SH  CALL
  EQUITABLE COMPANIES INC          COMMON STOCKS   29444G107         298         4450 SH  CALL
  EQUITABLE RES INC                COMMON STOCKS   294549100         255         6750 SH  CALL
  EQUITY INCOME FD                 COMMON STOCKS   294700703        5947        28710 SH  CALL
  EQUITY INCOME FD                 COMMON STOCKS   294700703        1201         5800 SH  CALL
  EXXON CORP                       COMMON STOCKS   302290101       15202       197115 SH  CALL
  EXXON CORP                       COMMON STOCKS   302290101        4154        53856 SH  CALL
  FAMILY DLR STORES INC            COMMON STOCKS   307000109         502        20900 SH  CALL
  FDX CORPORATION                  COMMON STOCKS   31304N107        1924        35466 SH
  FDX CORPORATION                  COMMON STOCKS   31304N107        1194        22000 SH
  FEDERAL HOME LOAN MORTGAGE CORP  COMMON STOCKS   313400301         399         6877 SH  CALL
  FEDERAL HOME LOAN MORTGAGE CORP  COMMON STOCKS   313400301          29          500 SH  CALL
  FEDERAL NATIONAL MORTGAGE ASSN   COMMON STOCKS   313586109        4088        59893 SH  CALL
  FEDERAL NATIONAL MORTGAGE ASSN   COMMON STOCKS   313586109         305         4462 SH  CALL
  FEDERAL NATIONAL MORTGAGE ASSN   COMMON STOCKS   313586109          34          500 SH  CALL
  FEDERATED                        MUTUAL FUNDS-FI 314184102        1637       148939 PRN
  FEDERATED                        MUTUAL FUNDS-FI 314184102         251        22795 PRN
  FEDERATED INCOME TRUST           MUTUAL FUNDS-FI 314199100         360        35755 PRN
  FEDERATED INCOME TRUST           MUTUAL FUNDS-FI 314199100          35         3485 PRN
  FEDERATED                        MUTUAL FUNDS-FI 31420C209         211        24589 PRN
  FEDERATED                        MUTUAL FUNDS-FI 31420C407         104        10554 PRN
  FEDERATED SHORT INTER MUN TR SH  MUTUAL FUNDS-FI 314280108          58         5733 PRN
  FEDERATED SHORT INTER MUN TR SH  MUTUAL FUNDS-FI 314280108         163        15973 PRN
  FEDERATED US GOVT SEC            MUTUAL FUNDS-FI 31428P103         198        18728 PRN
  FIDELITY ADV INST EQUITY GROWTH  MUTUAL FUNDS-EQ 315805101        2170        33076 PRN
  FIDELITY ADV INST EQUITY GROWTH  MUTUAL FUNDS-EQ 315805101          68         1044 PRN
  FIDELITY ADVISOR                 MUTUAL FUNDS-EQ 315807883         290         5408 PRN
  FIDELITY                         MUTUAL FUNDS-IN 316145101         373        11662 PRN
  FIDELITY                         MUTUAL FUNDS-IN 316145101         252         7868 PRN
  FIRST CITIZENS BCSHS             COMMON STOCKS   31946M103         487         6036 SH
  FIRST UNION CORP                 COMMON STOCKS   337358105        2042        43338 SH  CALL
  FIRST UNION CORP                 COMMON STOCKS   337358105         207         4393 SH  CALL
  FIRST UNION CORP                 COMMON STOCKS   337358105          19          400 SH  CALL
  1ST VA BKS INC                   COMMON STOCKS   337477103         221         4500 SH  CALL
  FLORIDA ST                       MUNICIPAL BONDS 341596FU3         292       300000 PRN
  FOOD LION INC                    COMMON STOCKS   344775101         410        35423 SH  CALL
  FOOD LION INC                    COMMON STOCKS   344775101         312        27000 SH  CALL
  FOOD LION INC                    COMMON STOCKS   344775200         417        35133 SH  CALL
  FOOD LION INC                    COMMON STOCKS   344775200          17         1394 SH  CALL
  FORD MTR CO                      COMMON STOCKS   345370100        1303        23080 SH  CALL
  FORD MTR CO                      COMMON STOCKS   345370100           6          108 SH  CALL
  FORD MTR CO                      COMMON STOCKS   345370100         490         8676 SH  CALL
  FORTUNE BRANDS INC               COMMON STOCKS   349631101         935        22600 SH
  FRANKLIN                         MUTUAL FUNDS-EQ 35251D103        1347        47666 PRN
  FRANKLIN                         MUTUAL FUNDS-EQ 35251D103          38         1361 PRN
  FRANKLIN                         MUTUAL FUNDS-FI 353496300          55        23519 PRN
  FRANKLIN                         MUTUAL FUNDS-FI 353496607         129        19370 PRN
  FRANKLIN                         MUTUAL FUNDS-EQ 354713109        1498        56334 PRN
  FRANKLIN                         MUTUAL FUNDS-EQ 354713109         109         4105 PRN
  FRANKLIN                         MUTUAL FUNDS-FI 354723793         487        41463 PRN
  GTE CORP                         COMMON STOCKS   362320103        1868        24742 SH  CALL
  GTE CORP                         COMMON STOCKS   362320103         581         7696 SH  CALL
  GALLAHER GROUP PLC ADR           COMMON STOCKS   363595109         597        24450 SH
  GANNETT INC                      COMMON STOCKS   364730101         168         2350 SH  CALL
  GANNETT INC                      COMMON STOCKS   364730101          79         1100 SH  CALL
  GATEWAY INC                      COMMON STOCKS   367626108        1252        21200 SH
  GATEWAY INC                      COMMON STOCKS   367626108         248         4200 SH
  GENERAL ELEC CO                  COMMON STOCKS   369604103       19061       168683 SH  CALL
  GENERAL ELEC CO                  COMMON STOCKS   369604103        4949        43795 SH  CALL
  GENERAL ELEC CO                  COMMON STOCKS   369604103          90          800 SH  CALL
  GENERAL MILLS INC                COMMON STOCKS   370334104         359         4467 SH  CALL
  GENERAL MILLS INC                COMMON STOCKS   370334104         193         2400 SH  CALL
  GENERAL MTRS CORP                COMMON STOCKS   370442105         988        14974 SH  CALL
  GENERAL MTRS CORP                COMMON STOCKS   370442105           4           60 SH  CALL
  GENERAL MTRS CORP                COMMON STOCKS   370442105         112         1690 SH  CALL
  GENERAL MTRS CORP                COMMON STOCKS   370442832          68         1204 SH
  GENERAL MTRS CORP                COMMON STOCKS   370442832         391         6950 SH
  GENERAL NUTRITION COMPANIES INC. COMMON STOCKS   37047F103         227         9750 SH  CALL
  GENERAL NUTRITION COMPANIES INC. COMMON STOCKS   37047F103          16          700 SH  CALL
  GENTEX CORP                      COMMON STOCKS   371901109        1634        58345 SH
  GENTEX CORP                      COMMON STOCKS   371901109          28         1000 SH
  GENLYTE GROUP INC                COMMON STOCKS   372302109         295        13135 SH  CALL
  GENLYTE GROUP INC                COMMON STOCKS   372302109         220         9800 SH  CALL
  GENUINE PARTS CO                 COMMON STOCKS   372460105         115         3289 SH  CALL
  GENUINE PARTS CO                 COMMON STOCKS   372460105         236         6750 SH  CALL
  GEORGIA PAC CORP                 COMMON STOCKS   373298108         233         4908 SH  CALL
  GEORGIA PAC CORP                 COMMON STOCKS   373298108         185         3900 SH  CALL
  GERBER SCIENTIFIC INC            COMMON STOCKS   373730100         172         7775 SH  CALL
  GERBER SCIENTIFIC INC            COMMON STOCKS   373730100         250        11350 SH  CALL
  GILLETTE CO                      COMMON STOCKS   375766102        1792        43711 SH  CALL
  GILLETTE CO                      COMMON STOCKS   375766102         160         3900 SH  CALL
  GLAXO PLC SPONSORED ADR          COMMON STOCKS   37733W105         606        10696 SH  CALL
  GLAXO PLC SPONSORED ADR          COMMON STOCKS   37733W105         113         2000 SH  CALL
  GLOBAL MARINE INC                COMMON STOCKS   379352404         406        26175 SH  CALL
  GLOBAL MARINE INC                COMMON STOCKS   379352404         115         7400 SH  CALL
  GOLDMAN SACHS                    MUTUAL FUNDS-FI 38141W208         741        76344 PRN
  GOLDMAN SACHS                    MUTUAL FUNDS-FI 38141W208          59         6062 PRN
  GOLDMAN SACHS                    MUTUAL FUNDS-FI 38141W307        1625       168599 PRN
  GOLDMAN SACHS                    MUTUAL FUNDS-FI 38141W307         165        17141 PRN
  GOODYEAR TIRE & RUBR CO          COMMON STOCKS   382550101        1172        19925 SH  CALL
  GOODYEAR TIRE & RUBR CO          COMMON STOCKS   382550101         559         9500 SH  CALL
  GREY ADVERTISING INC             COMMON STOCKS   397838103        1424         4277 SH
  GREY ADVERTISING INC             COMMON STOCKS   397838103         524         1575 SH
  HARBOR                           MUTUAL FUNDS-EQ 411511504        3655        81861 PRN
  HARBOR                           MUTUAL FUNDS-EQ 411511504          89         1995 PRN
  HARCOURT GENERAL INC.            COMMON STOCKS   41163G101         196         3800 SH  CALL
  HARCOURT GENERAL INC.            COMMON STOCKS   41163G101          26          502 SH  CALL
  HARRIS CORP                      COMMON STOCKS   413875105        1760        44900 SH  CALL
  HARRIS CORP                      COMMON STOCKS   413875105         849        21675 SH  CALL
  HEINZ H J CO                     COMMON STOCKS   423074103        1879        37489 SH  CALL
  HEINZ H J CO                     COMMON STOCKS   423074103         571        11400 SH  CALL
  HEINZ H J CO                     COMMON STOCKS   423074103          23          450 SH  CALL
  HERSHEY FOODS CORP               COMMON STOCKS   427866108         200         3375 SH  CALL
  HERSHEY FOODS CORP               COMMON STOCKS   427866108          42          710 SH  CALL
  HEWLETT PACKARD CO               COMMON STOCKS   428236103        2587        25740 SH  CALL
  HEWLETT PACKARD CO               COMMON STOCKS   428236103        1995        19850 SH  CALL
  HEWLETT PACKARD CO               COMMON STOCKS   428236103          50          500 SH  CALL
  HOME DEPOT INC                   COMMON STOCKS   437076102        1411        21899 SH  CALL
  HOME DEPOT INC                   COMMON STOCKS   437076102         141         2194 SH  CALL
  HONEYWELL INC                    COMMON STOCKS   438506107        1007         8691 SH  CALL
  HONEYWELL INC                    COMMON STOCKS   438506107         236         2038 SH  CALL
  HOUSEHOLD INTL INC               COMMON STOCKS   441815107        1920        40520 SH  CALL
  HUBBELL HARVEY INC               COMMON STOCKS   443510201        1061        23385 SH  CALL
  HUBBELL HARVEY INC               COMMON STOCKS   443510201         431         9496 SH  CALL
  HUTTON TEL TR UNIT 1ST TAX FREE  MUTUAL FUNDS-FI 447900101         186        31855 PRN
  IDG BOOKS WORLDWIDE INC          COMMON STOCKS   449384106         365        20000 SH
  IHOP CORP                        COMMON STOCKS   449623107        1268        52700 SH  CALL
  INGERSOLL RAND CO                COMMON STOCKS   456866102        1067        16507 SH  CALL
  INGERSOLL RAND CO                COMMON STOCKS   456866102         771        11925 SH  CALL
  INTEL CORP                       COMMON STOCKS   458140100        7615       127988 SH  CALL
  INTEL CORP                       COMMON STOCKS   458140100        8204       137874 SH  CALL
  IBM CORP                         COMMON STOCKS   459200101        3376        26122 SH  CALL
  IBM CORP                         COMMON STOCKS   459200101        2875        22244 SH  CALL
  INTERNATIONAL PAPER CO           COMMON STOCKS   460146103         355         7068 SH  CALL
  INTERNATIONAL PAPER CO           COMMON STOCKS   460146103         212         4220 SH  CALL
  INTERPUBLIC GROUP                COMMON STOCKS   460690100         742         8570 SH  CALL
  SCUDDER                          MUTUAL FUNDS-EQ 460965882        1506        51722 PRN
  SCUDDER                          MUTUAL FUNDS-EQ 460965882          71         2429 PRN
  INTIMATE BRANDS                  COMMON STOCKS   461156101         576        12150 SH  CALL
  INVESTORS TITLE INS CO           COMMON STOCKS   461804106         266        15624 SH  CALL
  INVESTORS TITLE INS CO           COMMON STOCKS   461804106         133         7812 SH  CALL
  JACKSONVILLE FLA ELEC AUTH REV   MUNICIPAL BONDS 4693634Y8         252       250000 PRN
  JANUS                            MUTUAL FUNDS-EQ 471023101         286         7103 PRN
  JANUS                            MUTUAL FUNDS-EQ 471023101         404        10054 PRN
  JANUS                            MUTUAL FUNDS-IN 471023309        1195        22366 PRN
  JANUS                            MUTUAL FUNDS-IN 471023309         425         7953 PRN
  JEFFERSON PILOT CORP             COMMON STOCKS   475070108        4465        67456 SH  CALL
  JEFFERSON PILOT CORP             COMMON STOCKS   475070108        3521        53202 SH  CALL
  JOHNSON & JOHNSON                COMMON STOCKS   478160104        3868        39465 SH  CALL
  JOHNSON & JOHNSON                COMMON STOCKS   478160104        1759        17950 SH  CALL
  JOHNSON & JOHNSON                COMMON STOCKS   478160104          39          400 SH  CALL
  JOHNSON CONTROLS                 COMMON STOCKS   478366107           8          115 SH  CALL
  JOHNSON CONTROLS                 COMMON STOCKS   478366107         266         3840 SH  CALL
  KANSAS CITY SOUTHN INDS INC      COMMON STOCKS   485170104         830        13000 SH  CALL
  KANSAS CITY SOUTHN INDS INC      COMMON STOCKS   485170104        1149        18000 SH  CALL
  KELLOGG CO                       COMMON STOCKS   487836108         392        11892 SH  CALL
  KENAN TRANS CO                   COMMON STOCKS   488539107         269         8760 SH  CALL
  KEYCORP NEW                      COMMON STOCKS   493267108         751        23374 SH  CALL
  KEYCORP NEW                      COMMON STOCKS   493267108         197         6124 SH  CALL
  KIMBERLY CLARK CORP              COMMON STOCKS   494368103         372         6520 SH  CALL
  KIMBERLY CLARK CORP              COMMON STOCKS   494368103          86         1500 SH  CALL
  KROGER CO                        COMMON STOCKS   501044101         300        10750 SH  CALL
  LEXMARK INTL GROUP INC CL A      COMMON STOCKS   529771107        1877        28660 SH
  LEXMARK INTL GROUP INC CL A      COMMON STOCKS   529771107          33          500 SH
  ELI LILLY                        COMMON STOCKS   532457108        1416        19771 SH  CALL
  LINCARE HLD INC                  COMMON STOCKS   532791100         388        15500 SH  CALL
  LINCARE HLD INC                  COMMON STOCKS   532791100          23          900 SH  CALL
  LINCOLN ELECTRIC HOLDINGS        COMMON STOCKS   533900106         636        31025 SH
  LINCOLN ELECTRIC HOLDINGS        COMMON STOCKS   533900106         470        22925 SH
  LOCKHEED MARTIN CORP             COMMON STOCKS   539830109         647        17364 SH  CALL
  LOOMIS SAYLES                    MUTUAL FUNDS-FI 543487607        4560       374095 PRN
  LOWES COS INC                    COMMON STOCKS   548661107        3201        56463 SH  CALL
  LOWES COS INC                    COMMON STOCKS   548661107           6          100 SH  CALL
  LUCENT TECHNOLOGIES INC          COMMON STOCKS   549463107        5366        79575 SH  CALL
  LUCENT TECHNOLOGIES INC          COMMON STOCKS   549463107           8          116 SH  CALL
  LUCENT TECHNOLOGIES INC          COMMON STOCKS   549463107        1095        16232 SH  CALL
  LUCENT TECHNOLOGIES INC          COMMON STOCKS   549463107          54          800 SH  CALL
  MBIA INC                         COMMON STOCKS   55262C100         324         5000 SH
  MCI WORLDCOM                     COMMON STOCKS   55268B106        4901        56950 SH
  MCI WORLDCOM                     COMMON STOCKS   55268B106         508         5901 SH
  MFS                              CLOSED END FUND 55273C107        3837       596022 PRN
  MFS SER TR III HIGH INCOME FD    MUTUAL FUNDS-FI 552984601        4166       808852 PRN
  MFS SER TR III HIGH INCOME FD    MUTUAL FUNDS-FI 552984601         633       122819 PRN
  MMC NETWORKS INC                 COMMON STOCKS   55308N102         304         6800 SH
  MTS SYS CORP                     COMMON STOCKS   553777103          55         4500 SH  CALL
  MTS SYS CORP                     COMMON STOCKS   553777103         110         9000 SH  CALL
  MARSH & MCLENNAN COS INC         COMMON STOCKS   571748102         908        11992 SH  CALL
  MARSH & MCLENNAN COS INC         COMMON STOCKS   571748102         227         3000 SH  CALL
  MARTIN MARIETTA MATERIALS, INC.  COMMON STOCKS   573284106         803        13608 SH  CALL
  MARTIN MARIETTA MATERIALS, INC.  COMMON STOCKS   573284106         301         5100 SH  CALL
  MFS                              MUTUAL FUNDS-EQ 575719406        2439       136281 PRN
  MATTEL INC                       COMMON STOCKS   577081102         234         8968 SH  CALL
  MATTEL INC                       COMMON STOCKS   577081102          74         2828 SH  CALL
  MAXWELL TECHNOLOGIES INC         COMMON STOCKS   577767106          28         1162 SH  CALL
  MAXWELL TECHNOLOGIES INC         COMMON STOCKS   577767106         177         7370 SH  CALL
  MCDONALDS CORP                   COMMON STOCKS   580135101        1343        32660 SH  CALL
  MCDONALDS CORP                   COMMON STOCKS   580135101         103         2500 SH  CALL
  MCGRAW HILL INC                  COMMON STOCKS   580645109         967        17935 SH  CALL
  MCGRAW HILL INC                  COMMON STOCKS   580645109          11          200 SH  CALL
  MEDIAONE GROUP INC               COMMON STOCKS   58440J104         760        10212 SH
  MEDIAONE GROUP INC               COMMON STOCKS   58440J104         115         1546 SH
  MEDTRONIC INC                    COMMON STOCKS   585055106        3523        45245 SH  CALL
  MEDTRONIC INC                    COMMON STOCKS   585055106        5728        73550 SH  CALL
  MERCK & CO INC                   COMMON STOCKS   589331107       10092       137072 SH  CALL
  MERCK & CO INC                   COMMON STOCKS   589331107        3041        41300 SH  CALL
  MERCK & CO INC                   COMMON STOCKS   589331107          37          500 SH  CALL
  MICROSOFT CORP                   COMMON STOCKS   594918104        6172        68440 SH  CALL
  MICROSOFT CORP                   COMMON STOCKS   594918104        1948        21600 SH  CALL
  MIDAMERICAN ENERGY HLDGS CO      COMMON STOCKS   59562V107          99         2850 SH
  MIDAMERICAN ENERGY HLDGS CO      COMMON STOCKS   59562V107         377        10900 SH
  MILACRON, INC.                   COMMON STOCKS   598709103         232        12550 SH
  MILACRON, INC.                   COMMON STOCKS   598709103         135         7300 SH
  MINNESOTA MNG & MFG CO           COMMON STOCKS   604059105         600         6900 SH  CALL
  MINNESOTA MNG & MFG CO           COMMON STOCKS   604059105         387         4450 SH  CALL
  MOBIL CORP                       COMMON STOCKS   607059102        2242        22700 SH  CALL
  MOBIL CORP                       COMMON STOCKS   607059102         579         5866 SH  CALL
  MODINE MFG                       COMMON STOCKS   607828100         397        12200 SH
  MODINE MFG                       COMMON STOCKS   607828100         404        12400 SH
  MONSANTO CO                      COMMON STOCKS   611662107        1579        39905 SH  CALL
  MONSANTO CO                      COMMON STOCKS   611662107          34          860 SH  CALL
  MORGAN J P & CO INC              COMMON STOCKS   616880100         877         6240 SH  CALL
  MORGAN J P & CO INC              COMMON STOCKS   616880100          28          200 SH  CALL
  MORGAN ST DEAN WITTER            COMMON STOCKS   617446448        1007         9814 SH
  MORGAN ST DEAN WITTER            COMMON STOCKS   617446448         249         2425 SH
  MORGAN STANLEY INSTITUTIONAL FD  MUTUAL FUNDS-IN 61744J408        9350       479999 PRN
  MORGAN STANLEY INSTITUTIONAL FD  MUTUAL FUNDS-IN 61744J408        1786        91704 PRN
  MORGAN STANLEY DEAN WITTER       CLOSED END FUND 61745P106         211        25000 PRN
  MOTOROLA INC                     COMMON STOCKS   620076109        2132        22499 SH  CALL
  MOTOROLA INC                     COMMON STOCKS   620076109         963        10168 SH  CALL
  MUTUAL RISK MANAGEMENT LTD       COMMON STOCKS   628351108          65         1934 SH  CALL
  MUTUAL RISK MANAGEMENT LTD       COMMON STOCKS   628351108         336        10064 SH  CALL
  FRANKLIN                         MUTUAL FUNDS-EQ 628380206         860        46157 PRN
  NACCO INDUSTRIES                 COMMON STOCKS   629579103        1553        21125 SH  CALL
  NACCO INDUSTRIES                 COMMON STOCKS   629579103         764        10400 SH  CALL
  NATIONAL CITY CORP               COMMON STOCKS   635405103         203         3100 SH  CALL
  NEUBERGER & BERMAN               MUTUAL FUNDS-EQ 641224209         232         9007 PRN
  NEXTEL COMMUNICATIONS            COMMON STOCKS   65332V103         256         5100 SH
  NORFOLK SOUTHERN CORP            COMMON STOCKS   655844108        1713        56860 SH  CALL
  NORFOLK SOUTHERN CORP            COMMON STOCKS   655844108         526        17470 SH  CALL
  NORTEL NETWORKS CORP             COMMON STOCKS   656569100        1065        12270 SH
  NORTH CAROLINA NAT GAS CORP      COMMON STOCKS   658221106        1206        35391 SH  CALL
  NUVEEN                           AUCTION RATE PR 67062H403        2000           80 PRN
  NUVEEN PERF PLUS                 AUCTION RATE PR 67062P405         500           20 PRN
  NUVEEN FLAGHSIP                  MUTUAL FUNDS-FI 67065P840         296        29100 PRN
  NUVEEN                           AUCTION RATE PR 670984608         300           12 PRN
  OAKWOOD HOMES CORP               COMMON STOCKS   674098108          56         4300 SH  CALL
  OAKWOOD HOMES CORP               COMMON STOCKS   674098108         173        13200 SH  CALL
  OFFICE DEPOT INC                 COMMON STOCKS   676220106        1809        81995 SH  CALL
  OFFICE DEPOT INC                 COMMON STOCKS   676220106          17          750 SH  CALL
  OFFICEMAX INC                    COMMON STOCKS   67622M108          18         1488 SH  CALL
  OFFICEMAX INC                    COMMON STOCKS   67622M108         180        15000 SH  CALL
  OLD REP INTL CORP                COMMON STOCKS   680223104         335        19348 SH  CALL
  OLSTEN CORP                      COMMON STOCKS   681385100         716       113500 SH  CALL
  OLSTEN CORP                      COMMON STOCKS   681385100         217        34325 SH  CALL
  OMNICOM GROUP INC COM            COMMON STOCKS   681919106         320         4000 SH
  OPTICAL COATING LABS INC         COMMON STOCKS   683829105         167         2000 SH  CALL
  OPTICAL COATING LABS INC         COMMON STOCKS   683829105         677         8100 SH  CALL
  ORACLE SYSTEMS                   COMMON STOCKS   68389X105        2939        79171 SH  CALL
  ORACLE SYSTEMS                   COMMON STOCKS   68389X105         439        11812 SH  CALL
  ORACLE SYSTEMS                   COMMON STOCKS   68389X105          28          750 SH  CALL
  ORLANDO FLA WASTE WTR SYS REV    MUNICIPAL BONDS 686516GZ2         322       325000 PRN
  PIMCO                            MUTUAL FUNDS-FI 693390700        3817       376828 PRN
  PNC BANK CORP                    COMMON STOCKS   693475105        1042        18091 SH  CALL
  PNC BANK CORP                    COMMON STOCKS   693475105         242         4200 SH  CALL
  PACIFIC CAPITAL                  MUTUAL FUNDS-FI 694048208         596        56751 PRN
  PACIFIC CAPITAL                  MUTUAL FUNDS-EQ 694048505        1388        75969 PRN
  INVESTMENT GRADE MUNI INCOME FD  CLOSED END FUND 695931204        1750           35 PRN
  PALL CORP                        COMMON STOCKS   696429307         311        14000 SH  CALL
  PALM BEACH CNTY FLA HEALTH FACS  MUNICIPAL BONDS 696507MH2         322       300000 PRN
  PEOPLES BANK                     COMMON STOCKS   710198102        2737        89925 SH  CALL
  PEOPLES BANK                     COMMON STOCKS   710198102         480        15775 SH  CALL
  PEOPLES BANK                     COMMON STOCKS   710198102          15          500 SH  CALL
  PEPSICO INC                      COMMON STOCKS   713448108        4010       103644 SH  CALL
  PEPSICO INC                      COMMON STOCKS   713448108        1927        49816 SH  CALL
  PETROLEUM & RES CORP             COMMON STOCKS   716549100        1487        42780 SH  CALL
  PETROLEUM & RES CORP             COMMON STOCKS   716549100        1188        34192 SH  CALL
  PFIZER INC                       COMMON STOCKS   717081103        8335        76466 SH  CALL
  PFIZER INC                       COMMON STOCKS   717081103        3110        28530 SH  CALL
  PFIZER INC                       COMMON STOCKS   717081103          33          300 SH  CALL
  PHELPS DODGE CORP                COMMON STOCKS   717265102         323         5215 SH  CALL
  PHELPS DODGE CORP                COMMON STOCKS   717265102           6          100 SH  CALL
  PHILADELPHIA SUBN CORP           COMMON STOCKS   718009608         301        13031 SH  CALL
  PHILADELPHIA SUBN CORP           COMMON STOCKS   718009608          92         4000 SH  CALL
  PHILIP MORRIS COS INC            COMMON STOCKS   718154107        6285       156380 SH  CALL
  PHILIP MORRIS COS INC            COMMON STOCKS   718154107        1481        36850 SH  CALL
  PHILLIPS PETE CO                 COMMON STOCKS   718507106         305         6063 SH  CALL
  PIEDMONT NAT GAS INC             COMMON STOCKS   720186105         529        16989 SH  CALL
  PIEDMONT NAT GAS INC             COMMON STOCKS   720186105         120         3840 SH  CALL
  PITNEY-BOWES INC                 COMMON STOCKS   724479100        1071        16662 SH  CALL
  PITNEY-BOWES INC                 COMMON STOCKS   724479100         398         6200 SH  CALL
  PLANTRONICS INC                  COMMON STOCKS   727493108          65         1000 SH  CALL
  PLANTRONICS INC                  COMMON STOCKS   727493108         547         8400 SH  CALL
  POST PROPERTIES INC              COMMON STOCKS   737464107         205         5000 SH
  POTASH CORP                      COMMON STOCKS   73755L107         341         6590 SH  CALL
  PRECISION CASTPARTS CORP         COMMON STOCKS   740189105        1146        26975 SH
  PRECISION CASTPARTS CORP         COMMON STOCKS   740189105          81         1900 SH
  PRICE (T.ROWE) ASSOCIATES        COMMON STOCKS   741477103         269         7000 SH
  PRICE (T.ROWE) ASSOCIATES        COMMON STOCKS   741477103        1332        34700 SH
  PROCTER & GAMBLE CO              COMMON STOCKS   742718109        3163        35443 SH  CALL
  PROCTER & GAMBLE CO              COMMON STOCKS   742718109         232         2600 SH  CALL
  PROGRESSIVE CORP                 COMMON STOCKS   743315103         218         1500 SH  CALL
  PROVIDENT COMPANIES INC          COMMON STOCKS   743862104        1105        27635 SH
  PROVIDIAN FINANCIAL CORP         COMMON STOCKS   74406A102       17544       188141 SH
  PROVIDIAN FINANCIAL CORP         COMMON STOCKS   74406A102        2946        31596 SH
  PRUDENTIAL MUNICIPAL BOND FD     MUTUAL FUNDS-FI 74435L103         232        21198 PRN
  PUBLIC SVC CO N C INC            COMMON STOCKS   744516105         395        13510 SH  CALL
  PUTNAM                           CLOSED END FUND 746909100         195        26930 PRN
  QUINTILES TRANSNATIONAL CORP     COMMON STOCKS   748767100         937        22300 SH  CALL
  QWEST COMMUNICATIONS INTL        COMMON STOCKS   749121109         701        21200 SH
  QWEST COMMUNICATIONS INTL        COMMON STOCKS   749121109           3          100 SH
  RF MICRO DEVICES                 COMMON STOCKS   749941100         448         6000 SH
  RAYTHEON CO                      COMMON STOCKS   755111408         532         7545 SH
  RAYTHEON CO                      COMMON STOCKS   755111408         446         6320 SH
  RELIASTAR FINL CORP              COMMON STOCKS   75952U103         809        18485 SH  CALL
  RELIASTAR FINL CORP              COMMON STOCKS   75952U103         420         9600 SH  CALL
  ROCKWELL INTL CORP NEW           COMMON STOCKS   773903109         100         1645 SH
  ROCKWELL INTL CORP NEW           COMMON STOCKS   773903109         500         8232 SH
  T ROWE PRICE                     MUTUAL FUNDS-EQ 779556109        2940        77529 PRN
  T ROWE PRICE                     MUTUAL FUNDS-EQ 779556109         113         2988 PRN
  T ROWE PRICE                     MUTUAL FUNDS-FI 779570100          85        10064 PRN
  T ROWE PRICE                     MUTUAL FUNDS-FI 779570100          31         3683 PRN
  T. ROWE PRICE                    MUTUAL FUNDS-EQ 779572106         984        45277 PRN
  T. ROWE PRICE                    MUTUAL FUNDS-EQ 779572106          37         1702 PRN
  T ROWE PRICE SMALL-CAP VALUE     MUTUAL FUNDS-EQ 77957Q103        1861        93984 PRN
  T ROWE PRICE SMALL-CAP VALUE     MUTUAL FUNDS-EQ 77957Q103         118         5949 PRN
  ROYAL DUTCH PETE CO              COMMON STOCKS   780257804        1081        17944 SH
  ROYAL DUTCH PETE CO              COMMON STOCKS   780257804         223         3700 SH
  RUDDICK CORP                     COMMON STOCKS   781258108        1148        57400 SH  CALL
  RUDDICK CORP                     COMMON STOCKS   781258108         313        15650 SH  CALL
  RYANS FAMILY STEAK HOUSES INC    COMMON STOCKS   783519101         438        37650 SH  CALL
  RYANS FAMILY STEAK HOUSES INC    COMMON STOCKS   783519101         367        31600 SH  CALL
  SBC COMMUNICATIONS INC           COMMON STOCKS   78387G103        3239        55853 SH  CALL
  SBC COMMUNICATIONS INC           COMMON STOCKS   78387G103        1014        17482 SH  CALL
  SBC COMMUNICATIONS INC           COMMON STOCKS   78387G103          45          782 SH  CALL
  S&P 500 DEPOSITORY RECEIPT       COMMON STOCKS   78462F103        2132        15562 SH
  ST PAUL COS INC                  COMMON STOCKS   792860108         615        19335 SH  CALL
  ST PAUL COS INC                  COMMON STOCKS   792860108          32         1000 SH  CALL
  SARA LEE CORP                    COMMON STOCKS   803111103         213         9400 SH  CALL
  SARA LEE CORP                    COMMON STOCKS   803111103         127         5600 SH  CALL
  SCHERING PLOUGH CORP             COMMON STOCKS   806605101         957        18224 SH  CALL
  SCHERING PLOUGH CORP             COMMON STOCKS   806605101         176         3352 SH  CALL
  SCHLUMBERGER LTD                 COMMON STOCKS   806857108        2255        35404 SH  CALL
  SCHLUMBERGER LTD                 COMMON STOCKS   806857108         360         5650 SH  CALL
  SCUDDER                          MUTUAL FUNDS-FI 811236207         121        10952 PRN
  SEAGRAM LTD                      COMMON STOCKS   811850106         227         4500 SH  CALL
  SELIGMAN                         MUTUAL FUNDS-EQ 816332100         207        12404 PRN
  SEQUOIA                          MUTUAL FUNDS-EQ 817418106        3637        24342 PRN
  SERVICE CORP INTL                COMMON STOCKS   817565104        2026       105226 SH  CALL
  SERVICE CORP INTL                COMMON STOCKS   817565104         847        44000 SH  CALL
  SONOCO PRODS CO                  COMMON STOCKS   835495102        1637        54691 SH  CALL
  SONOCO PRODS CO                  COMMON STOCKS   835495102         271         9067 SH  CALL
  SOUTHERN CAPITAL TRUST I         PREFERRED STOCK 842542201         100        10000 SH
  SOUTHERN CO                      COMMON STOCKS   842587107         208         7850 SH  CALL
  SOUTHERN CO                      COMMON STOCKS   842587107          22          832 SH  CALL
  SPRINT CORP                      COMMON STOCKS   852061100        1688        31852 SH  CALL
  SPRINT CORP                      COMMON STOCKS   852061100         106         2000 SH  CALL
  SPRINT CORP                      COMMON STOCKS   852061100         836        15776 SH  CALL
  SPRINT CORP                      COMMON STOCKS   852061506         294         5157 SH
  SPRINT CORP                      COMMON STOCKS   852061506          29          500 SH
  SPRINT CORP                      COMMON STOCKS   852061506         225         3943 SH
  STAPLES INC                      COMMON STOCKS   855030102         862        27862 SH  CALL
  STAPLES INC                      COMMON STOCKS   855030102          26          825 SH  CALL
  STARWOOD HOTELS & RESORTS        COMMON STOCKS   85590A203         189         6174 SH
  STARWOOD HOTELS & RESORTS        COMMON STOCKS   85590A203         144         4700 SH
  STATE STREET CORP                COMMON STOCKS   857477103         512         6000 SH
  STRONG                           MUTUAL FUNDS-FI 863344107        1386       133924 PRN
  STRYKER CORP                     COMMON STOCKS   863667101        1206        20050 SH  CALL
  STRYKER CORP                     COMMON STOCKS   863667101        2513        41800 SH  CALL
  SUN MICROSYSTEMS INC             COMMON STOCKS   866810104         486         7060 SH  CALL
  SUN MICROSYSTEMS INC             COMMON STOCKS   866810104          30          438 SH  CALL
  SUNGARD DATA SYSTEMS INC         COMMON STOCKS   867363103        1554        45040 SH
  SUNGARD DATA SYSTEMS INC         COMMON STOCKS   867363103          14          400 SH
  SUNTRUST BANKS INC               COMMON STOCKS   867914103        2358        33959 SH  CALL
  SUNTRUST BANKS INC               COMMON STOCKS   867914103         545         7847 SH  CALL
  SYMANTEC CORP                    COMMON STOCKS   871503108         852        33400 SH
  SYMANTEC CORP                    COMMON STOCKS   871503108         659        25825 SH
  SYNOVUS FINL CORP                COMMON STOCKS   87161C105        2625       132075 SH  CALL
  SYNOVUS FINL CORP                COMMON STOCKS   87161C105        1201        60427 SH  CALL
  SYSTEMAX INC                     COMMON STOCKS   871851101         671        54225 SH
  SYSTEMAX INC                     COMMON STOCKS   871851101         355        28675 SH
  TECO ENERGY INC                  COMMON STOCKS   872375100         898        39478 SH  CALL
  TECO ENERGY INC                  COMMON STOCKS   872375100         257        11300 SH  CALL
  TANDY CORP                       COMMON STOCKS   875382103         215         4400 SH  CALL
  TANDY CORP                       COMMON STOCKS   875382103          15          300 SH  CALL
  TELLABS, INC                     COMMON STOCKS   879664100         662         9800 SH  CALL
  TELLABS, INC                     COMMON STOCKS   879664100         270         4000 SH  CALL
  TENN VALLEY AUTHORITY            PREFERRED STOCK 880591300        2020        83750 SH
  TEXACO INC                       COMMON STOCKS   881694103         512         8204 SH  CALL
  TEXACO INC                       COMMON STOCKS   881694103         281         4500 SH  CALL
  TEXACO INC                       COMMON STOCKS   881694103          13          203 SH  CALL
  TEXAS INSTRUMENT INC             COMMON STOCKS   882508104         360         2500 SH  CALL
  TEXAS INSTRUMENT INC             COMMON STOCKS   882508104         173         1200 SH  CALL
  THOMAS & BETTS CORP              COMMON STOCKS   884315102          19          400 SH  CALL
  THOMAS & BETTS CORP              COMMON STOCKS   884315102         340         7200 SH  CALL
  3COM CORP                        COMMON STOCKS   885535104          42         1563 SH  CALL
  3COM CORP                        COMMON STOCKS   885535104         657        24600 SH  CALL
  TIDEWATER INC                    COMMON STOCKS   886423102        1569        51450 SH
  TIDEWATER INC                    COMMON STOCKS   886423102         903        29600 SH
  TOSCO CORP                       COMMON STOCKS   891490302         752        28995 SH  CALL
  TOWER AUTOMOTIVE INC             COMMON STOCKS   891707101        1658        65170 SH
  TOWER AUTOMOTIVE INC             COMMON STOCKS   891707101          89         3500 SH
  TRI CONTL CORP                   CLOSED END FUND 895436103        9301       308104 PRN
  TRI CONTL CORP                   CLOSED END FUND 895436103         482        15966 PRN
  TRIANGLE BANCORP INC             COMMON STOCKS   895835106         665        39268 SH  CALL
  TRIANGLE BANCORP INC             COMMON STOCKS   895835106          22         1312 SH  CALL
  TRICON GLOBAL RESTAURANTS        COMMON STOCKS   895953107         263         4864 SH
  TRICON GLOBAL RESTAURANTS        COMMON STOCKS   895953107         205         3780 SH
  OAK VALUE FD                     MUTUAL FUNDS-EQ 900733106         504        18016 PRN
  TYCO INTERNATIONAL LTD           COMMON STOCKS   902124106        4001        42224 SH
  TYCO INTERNATIONAL LTD           COMMON STOCKS   902124106         301         3175 SH
  UST INC                          COMMON STOCKS   902911106         824        28105 SH  CALL
  UNILEVER N V NEW YORK SHS        COMMON STOCKS   904784709          65          936 SH
  UNILEVER N V NEW YORK SHS        COMMON STOCKS   904784709         349         5000 SH
  UNITED                           MUTUAL FUNDS-FI 910450204         112        18330 PRN
  U S WEST INC                     COMMON STOCKS   91273H101        1375        23396 SH
  U S WEST INC                     COMMON STOCKS   91273H101         450         7655 SH
  UNITED STATES TREASURY           U.S. OBLIGATION 912827X23         687       685000 PRN
  UNITED TECHNOLOGIES CORP         COMMON STOCKS   913017109        1756        24389 SH  CALL
  UNITED TECHNOLOGIES CORP         COMMON STOCKS   913017109          86         1200 SH  CALL
  UNIVERSAL HEALTH SVCS INC        COMMON STOCKS   913903100          29          600 SH  CALL
  UNIVERSAL HEALTH SVCS INC        COMMON STOCKS   913903100         869        18200 SH  CALL
  UNOCAL CORP                      COMMON STOCKS   915289102         235         5940 SH  CALL
  VAN KAMP MUNI INC TR             AUCTION RATE PR 920909405        1500            3 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 921910105        4738       118241 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 921910105         299         7462 PRN
  VANGUARD                         MUTUAL FUNDS-FI 921937108         176        17910 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 922018205         176         5359 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 922018205         100         3044 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031208          40         5208 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031208         591        77810 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031307        4186       415717 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031604         645        64324 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031703         178        17580 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922907209         276        21182 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 922908108        6628        52257 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 922908108        2524        19902 PRN
  WACHOVIA CORP                    COMMON STOCKS   929771103        1544        18045 SH  CALL
  WACHOVIA CORP                    COMMON STOCKS   929771103        1723        20136 SH  CALL
  WAL-MART STORES                  COMMON STOCKS   931142103         372         7720 SH  CALL
  WAL-MART STORES                  COMMON STOCKS   931142103          72         1500 SH  CALL
  WALGREEN CO                      COMMON STOCKS   931422109         342        11640 SH  CALL
  WALGREEN CO                      COMMON STOCKS   931422109         194         6600 SH  CALL
  WALLACE COMPUTER SERVICES INC    COMMON STOCKS   932270101         273        10925 SH  CALL
  WARNER LAMBERT CO                COMMON STOCKS   934488107        4278        61888 SH  CALL
  WARNER LAMBERT CO                COMMON STOCKS   934488107          14          200 SH  CALL
  WASHINGTON MUTUAL INC            COMMON STOCKS   939322103        1282        36038 SH
  WASHINGTON MUTUAL INC            COMMON STOCKS   939322103          77         2160 SH
  WASHINGTON POST CO               COMMON STOCKS   939640108         645         1200 SH  CALL
  WATSON PHARMACEUTICAL INC        COMMON STOCKS   942683103        2063        58830 SH  CALL
  WATSON PHARMACEUTICAL INC        COMMON STOCKS   942683103          46         1300 SH  CALL
  WELLS FARGO COMPANY              COMMON STOCKS   949746101         913        21350 SH
  WELLS FARGO COMPANY              COMMON STOCKS   949746101         239         5600 SH
  WEST MARINE INC                  COMMON STOCKS   954235107         879        60350 SH
  WEST MARINE INC                  COMMON STOCKS   954235107         403        27675 SH
  WILLIAMS COS                     COMMON STOCKS   969457100         345         8108 SH  CALL
  WINN DIXIE STORES INC            COMMON STOCKS   974280109         256         6942 SH  CALL
  WINN DIXIE STORES INC            COMMON STOCKS   974280109         185         5000 SH  CALL
  WRIGLEY (WM) JR CO               COMMON STOCKS   982526105         379         4250 SH  CALL
  WRIGLEY (WM) JR CO               COMMON STOCKS   982526105         178         2000 SH  CALL
  XILINX INC                       COMMON STOCKS   983919101          34          600 SH  CALL
  XILINX INC                       COMMON STOCKS   983919101         378         6600 SH  CALL
  XEROX CORP                       COMMON STOCKS   984121103        1205        20394 SH  CALL
  XEROX CORP                       COMMON STOCKS   984121103         473         8000 SH  CALL
  SAP AG-VORZUG NEW (PREFERRED)    PREFERRED STOCK D66992112          81          200 SH  CALL
  SAP AG-VORZUG NEW (PREFERRED)    PREFERRED STOCK D66992112         911         2250 SH  CALL
  ROCHE HOLDING                    COMMON STOCKS   H47457728        2925          280 SH
  GILAT SATELLITE NETWORKS LTD     COMMON STOCKS   M51474100          32          600 SH  CALL
  GILAT SATELLITE NETWORKS LTD     COMMON STOCKS   M51474100         215         4100 SH  CALL
  NCT HOLDINGS, INC. CLASS B       MISCELLANEOUS C SU0508006          55        28000 SH  CALL
  MEDICAL PRODUCTS SEARCH, INC.    CLOSELY HELD CO SU0776009           0        15000 SH
  ELECTRIC SUPPLY CO. OF NC, INC.  CLOSELY HELD CO SU0789002        3136        37228 SH
  DESCO, INC                       COMMON STOCKS   SU1023005        1814         8720 SH
  PETERSBURG MOTOR COMPANY, INC.   CLOSELY HELD CO SU1241003        1935         4590 SH

  NAME OF ISSUER                  INVSTMT OTHER         VOTING AUTHORITY
  SECURITY NAME                   DISCRTN MANAGERS      SOLE         SHARED       NONE

  AFLAC INC                       SOLE                  40922
  AFLAC INC                       OTHER                 9200
  AT&T CORP                       SOLE                  86952
  AT&T CORP                       DEFINED               135
  AT&T CORP                       OTHER                 11307
  AT&T CORP                       DEF/OTH               749
  ABBOTT LABS                     SOLE                  88516
  ABBOTT LABS                     OTHER                 46525
  ROWE CORP                       SOLE                  20000
  AEGON N V                       SOLE                  106753
  AEGON N V                       OTHER                 16822
  AETNA INC                       SOLE                  2310
  AIRTOUCH COMMUNICATIONS         SOLE                  2996
  AIRTOUCH COMMUNICATIONS         OTHER                 2245
  AIRTOUCH COMMUNICATIONS         DEF/OTH               255
  ROSEMYR CORP                    SOLE                  6898
  ROSEMYR CORP                    OTHER                 6745
  ALBERTSONS INC                  SOLE                  5300
  ALBERTSONS INC                  OTHER                 24684
  ALCOA INC                       SOLE                  4840
  ALCOA INC                       OTHER                 736
  ALLEGHANY CORP                  OTHER                 1317
  ALLEGHENY ENERGY INC            SOLE                  8346
  ALLEGHENY ENERGY INC            OTHER                 1800
  ALLIANCE PORTFOLIOS GROWTH FD   SOLE                  5298
  ALLIED SIGNAL INC               SOLE                  47685
  ALLIED SIGNAL INC               OTHER                 12300
  ALLTEL CORP                     SOLE                  3210
  ALLTEL CORP                     SOLE                                            2500
  ALLTEL CORP                     DEFINED               296
  ALLTEL CORP                     OTHER                 2475
  ALTERA CORP                     SOLE                  2600
  ALTERA CORP                     OTHER                 5400
  AMERICAN CENTURY                SOLE                  95696
  AMERICAN ELEC PWR INC           SOLE                  6459
  AMERICAN ELEC PWR INC           SOLE                                            100
  AMERICAN ELEC PWR INC           OTHER                 2118
  AMERICAN GEN CORP               SOLE                  5941
  AMERICAN GEN CORP               OTHER                 5970
  AMERICAN HOME PRODS CORP        SOLE                  127368
  AMERICAN HOME PRODS CORP        SOLE                               175
  AMERICAN HOME PRODS CORP        OTHER                 51475
  AMERICAN INTL GROUP INC         SOLE                  9226
  AMERICAN INTL GROUP INC         SOLE                                            25
  AMERITECH CORP                  SOLE                  12720
  AMERITECH CORP                  OTHER                 8792
  AMETEK INC                      SOLE                  37150
  AMETEK INC                      OTHER                 18825
  AMGEN INC                       SOLE                  6210
  ANHEUSER BUSCH COMPANIES        SOLE                  12700
  ANHEUSER BUSCH COMPANIES        SOLE                                            2000
  ANHEUSER BUSCH COMPANIES        OTHER                 11000
  AON CORP                        SOLE                  8729
  APPLIED MATERIALS               SOLE                  63940
  APPLIED MATERIALS               SOLE                                            350
  APPLIED MATERIALS               OTHER                 17250
  ARCADIA FINANCIAL CORP          SOLE                  15375
  ASSOCIATES FIRST CAPITAL - A    SOLE                  3783
  ASSOCIATES FIRST CAPITAL - A    OTHER                 992
  ATLANTIC RICHFIELD              SOLE                  15406
  ATLANTIC RICHFIELD              OTHER                 3930
  AUTODESK INC.                   SOLE                  25000
  AUTOMATIC DATA PROCESSING INC   SOLE                  24080
  AUTOMATIC DATA PROCESSING INC   SOLE                                            50
  AUTOMATIC DATA PROCESSING INC   OTHER                 800
  AVERY DENNISON CORP             OTHER                 4000
  AVNET INC                       SOLE                  11007
  BB & T CORPORATION              SOLE                  47304
  BP AMOCO PLC                    SOLE                  31760
  BP AMOCO PLC                    OTHER                 5904
  BANDAG INC                      SOLE                  8305
  BANDAG INC                      OTHER                 1175
  BANK OF AMERICA CORP            SOLE                  23742
  BANK OF AMERICA CORP            OTHER                 27618
  BANK OF NEW YORK INC            SOLE                  4700
  BANK OF NEW YORK INC            OTHER                 10800
  BANK ONE CORP                   SOLE                  22671
  BANK ONE CORP                   OTHER                 1603
  BAUSCH & LOMB INC               SOLE                  786
  BAUSCH & LOMB INC               OTHER                 1942
  BAXTER INTL INC                 SOLE                  7060
  BAXTER INTL INC                 OTHER                 200
  BEAR STEARNS CO INC             SOLE                  3812
  BEAR STEARNS CO INC             OTHER                 2677
  BECKMAN COULTER, INC.           SOLE                  27150
  BECKMAN COULTER, INC.           OTHER                 8500
  BECTON DICKINSON & CO           SOLE                  9990
  BECTON DICKINSON & CO           SOLE                                            50
  BED BATH & BEYOND               SOLE                  14543
  BED BATH & BEYOND               OTHER                 1000
  BELL ATLANTIC CORP              SOLE                  22996
  BELL ATLANTIC CORP              SOLE                               480
  BELL ATLANTIC CORP              OTHER                 13676
  BELLSOUTH CORP                  SOLE                  41484
  BELLSOUTH CORP                  SOLE                               800
  BELLSOUTH CORP                  DEFINED               608
  BELLSOUTH CORP                  OTHER                 16544
  BERKSHIRE HATHAWAY INC          OTHER                                           180
  BERKSHIRE HATHAWAY INC          SOLE                  273
  BERKSHIRE HATHAWAY INC          OTHER                 22
  BESTFOODS, INC.                 SOLE                  2200
  BESTFOODS, INC.                 SOLE                                            2000
  BESTFOODS, INC.                 OTHER                 900
  BIOGEN INC                      SOLE                  3700
  BLOCK H & R INC                 SOLE                  4300
  BOEING CO                       SOLE                  16807
  BOEING CO                       OTHER                 13552
  BRANDYWINE FD INC               OTHER                 7314
  BRISTOL MYERS SQUIBB CO         SOLE                  47191
  BRISTOL MYERS SQUIBB CO         SOLE                                            4000
  BRISTOL MYERS SQUIBB CO         OTHER                 12200
  CCB FINL CORP                   SOLE                  1505513
  CCB FINL CORP                   SOLE                                            3000
  CCB FINL CORP                   DEFINED               18400
  CCB FINL CORP                   OTHER                 162386
  CCB FINL CORP                   OTHER                                           34536
  CBRL GROUP INC                  SOLE                  86225
  CBRL GROUP INC                  SOLE                                            200
  CBRL GROUP INC                  OTHER                 35000
  CBS CORP                        SOLE                  8000
  CBS CORP                        OTHER                 100
  CCB                             SOLE                  2758546
  CCB                             SOLE                                            12172
  CCB                             OTHER                 254174
  CCB                             SOLE                  6625137
  CCB                             SOLE                                            7879
  CCB                             DEFINED               19927
  CCB                             OTHER                 366936
  CCB                             OTHER                              15436
  CCB                             OTHER                                           4869
  CCB                             SOLE                  3342322
  CCB                             DEFINED               7692
  CCB                             OTHER                 317888
  CCB                             OTHER                              3353
  CCB                             OTHER                                           8785
  CSX CORP                        SOLE                  8998
  CSX CORP                        OTHER                 7066
  CAP ONE FINANCIAL CORP          SOLE                  145013
  CAP ONE FINANCIAL CORP          OTHER                 2400
  CAROLINA PWR & LT CO            SOLE                  41860
  CAROLINA PWR & LT CO            OTHER                 3280
  CATERPILLAR TRACTOR CO          SOLE                  5395
  CATERPILLAR TRACTOR CO          OTHER                 800
  CENDANT CORP                    SOLE                  38240
  CENTURA BKS INC                 SOLE                  7760
  CENTURA BKS INC                 OTHER                 36960
  CHASE MANHATTAN CORP            SOLE                  5883
  CHASE MANHATTAN CORP            SOLE                                            400
  CHASE MANHATTAN CORP            OTHER                 3358
  CHEVRON CORP                    SOLE                  11870
  CHEVRON CORP                    OTHER                 2400
  CISCO SYSTEMS                   SOLE                  110338
  CISCO SYSTEMS                   SOLE                                            400
  CISCO SYSTEMS                   OTHER                 20300
  CISCO SYSTEMS                   DEF/OTH               1498
  CITIGROUP INC                   SOLE                  26413
  CITIGROUP INC                   OTHER                 25715
  CITIGROUP INC                   OTHER                              150
  CLAYTON HOMES INC               SOLE                  28552
  COCA COLA CO                    SOLE                  84400
  COCA COLA CO                    OTHER                 5400
  COLGATE PALMOLIVE CO            SOLE                  12846
  COLGATE PALMOLIVE CO            OTHER                 2448
  COLUMBIA/HCA HEALTHCARE CORP    SOLE                  4869
  COLUMBIA/HCA HEALTHCARE CORP    OTHER                 5400
  COMPAQ COMPUTER CORP            SOLE                  114121
  COMPAQ COMPUTER CORP            SOLE                                            300
  COMPAQ COMPUTER CORP            OTHER                 13518
  COMPAQ COMPUTER CORP            DEF/OTH               500
  COMPUTER ASSOC INT'L INC        SOLE                  6425
  COMPUTER SCIENCES CORP          SOLE                  4020
  COMPUTER SCIENCES CORP          OTHER                 3600
  CONE MILLS CORP                 SOLE                  10800
  CONE MILLS CORP                 OTHER                 61942
  CONSOLIDTD STORES               SOLE                  9675
  CONSOLIDTD STORES               OTHER                 7600
  CORNING INC                     SOLE                  3600
  CORPORATE EXPRESS INC           SOLE                  108450
  CORPORATE EXPRESS INC           OTHER                 33175
  COUNTRYWIDE CRD INDUSTRIES      SOLE                  5500
  DALLAS SEMICONDUCTOR CORP       SOLE                  1700
  DALLAS SEMICONDUCTOR CORP       OTHER                 3600
  DANAHER CORP                    SOLE                  3643
  DANAHER CORP                    OTHER                 9041
  DIAL CORP                       SOLE                  5392
  DIAL CORP                       OTHER                 400
  DIEBOLD INC                     SOLE                  58161
  DIEBOLD INC                     SOLE                                            100
  DIEBOLD INC                     OTHER                 7053
  DISNEY WALT CO                  SOLE                  42388
  DISNEY WALT CO                  SOLE                                            4986
  DISNEY WALT CO                  OTHER                 6900
  DODGE & COX                     SOLE                  3744
  DODGE & COX                     SOLE                  8442
  DODGE & COX                     SOLE                                            3550
  DOMINION RES INC                SOLE                  2936
  DOMINION RES INC                OTHER                 1849
  DOVER CORP                      SOLE                  18209
  DOW CHEM CO                     SOLE                  11271
  DOW CHEM CO                     OTHER                 2285
  DREYFUS FD                      OTHER                 11278
  DU PONT E I DE NEMOURS & CO     SOLE                  12918
  DU PONT E I DE NEMOURS & CO     OTHER                 17245
  DU PONT E I DE NEMOURS & CO     DEF/OTH               3000
  DUFF & PHELPS UTILS INCOME INC  SOLE                  18300
  DUKE ENERGY CORP                SOLE                  51997
  DUKE ENERGY CORP                OTHER                 16754
  DUKE ENERGY CORP                DEF/OTH               906
  DUN & BRADSTREET CORP           SOLE                  5350
  DUN & BRADSTREET CORP           OTHER                 1600
  EG & G INC                      SOLE                  5900
  EG & G INC                      OTHER                 16000
  EMC CORP                        SOLE                  146768
  EMC CORP                        OTHER                 58400
  EASTMAN KODAK CO                SOLE                  7075
  EASTMAN KODAK CO                OTHER                 6850
  EATON CORP                      SOLE                  12900
  EATON CORP                      OTHER                 12000
  EATON VANCE FLA                 SOLE                                            40
  EATON VANCE MUNICIPAL INCOME    SOLE                                            28
  ELECTRONICS FOR IMAGING         SOLE                  3650
  ELECTRONICS FOR IMAGING         OTHER                 1000
  EMERSON ELECTRIC CO             SOLE                  3090
  EMERSON ELECTRIC CO             SOLE                                            2320
  EMERSON ELECTRIC CO             OTHER                 4630
  ENRON CORP                      SOLE                  10474
  ENRON CORP                      SOLE                                            5000
  ENRON CORP                      OTHER                 4010
  EQUITABLE COMPANIES INC         SOLE                  4450
  EQUITABLE RES INC               OTHER                 6750
  EQUITY INCOME FD                SOLE                  28710
  EQUITY INCOME FD                OTHER                 5800
  EXXON CORP                      SOLE                  194515
  EXXON CORP                      SOLE                                            2600
  EXXON CORP                      OTHER                 53856
  FAMILY DLR STORES INC           SOLE                  20900
  FDX CORPORATION                 SOLE                  35466
  FDX CORPORATION                 OTHER                 22000
  FEDERAL HOME LOAN MORTGAGE CORP SOLE                  6877
  FEDERAL HOME LOAN MORTGAGE CORP DEF/OTH               500
  FEDERAL NATIONAL MORTGAGE ASSN  SOLE                  59868
  FEDERAL NATIONAL MORTGAGE ASSN  SOLE                                            25
  FEDERAL NATIONAL MORTGAGE ASSN  OTHER                 4462
  FEDERAL NATIONAL MORTGAGE ASSN  DEF/OTH               500
  FEDERATED                       SOLE                  148939
  FEDERATED                       OTHER                 22795
  FEDERATED INCOME TRUST          SOLE                  35755
  FEDERATED INCOME TRUST          OTHER                 3485
  FEDERATED                       SOLE                  24589
  FEDERATED                       SOLE                  10554
  FEDERATED SHORT INTER MUN TR SH SOLE                  5733
  FEDERATED SHORT INTER MUN TR SH OTHER                 15973
  FEDERATED US GOVT SEC           SOLE                  18728
  FIDELITY ADV INST EQUITY GROWTH SOLE                  33076
  FIDELITY ADV INST EQUITY GROWTH OTHER                 1044
  FIDELITY ADVISOR                SOLE                  5408
  FIDELITY                        SOLE                  11662
  FIDELITY                        OTHER                 7868
  FIRST CITIZENS BCSHS            SOLE                  6036
  FIRST UNION CORP                SOLE                  41838
  FIRST UNION CORP                SOLE                                            1500
  FIRST UNION CORP                OTHER                 4393
  FIRST UNION CORP                DEF/OTH               400
  1ST VA BKS INC                  SOLE                  4500
  FLORIDA ST                      SOLE                  300000
  FOOD LION INC                   SOLE                  35423
  FOOD LION INC                   OTHER                                           27000
  FOOD LION INC                   SOLE                  35133
  FOOD LION INC                   OTHER                 1394
  FORD MTR CO                     SOLE                  22180
  FORD MTR CO                     SOLE                                            900
  FORD MTR CO                     DEFINED               108
  FORD MTR CO                     OTHER                 8676
  FORTUNE BRANDS INC              SOLE                  22600
  FRANKLIN                        SOLE                  47666
  FRANKLIN                        OTHER                 1361
  FRANKLIN                        SOLE                  23519
  FRANKLIN                        SOLE                  19370
  FRANKLIN                        SOLE                  56334
  FRANKLIN                        OTHER                 4105
  FRANKLIN                        SOLE                  41463
  GTE CORP                        SOLE                  24742
  GTE CORP                        OTHER                 7696
  GALLAHER GROUP PLC ADR          SOLE                  24450
  GANNETT INC                     SOLE                  2350
  GANNETT INC                     OTHER                 1100
  GATEWAY INC                     SOLE                  21200
  GATEWAY INC                     OTHER                 4200
  GENERAL ELEC CO                 SOLE                  168658
  GENERAL ELEC CO                 SOLE                                            25
  GENERAL ELEC CO                 OTHER                 43695
  GENERAL ELEC CO                 OTHER                                           100
  GENERAL ELEC CO                 DEF/OTH               800
  GENERAL MILLS INC               SOLE                  4467
  GENERAL MILLS INC               OTHER                 2400
  GENERAL MTRS CORP               SOLE                  14974
  GENERAL MTRS CORP               DEFINED               60
  GENERAL MTRS CORP               OTHER                 1690
  GENERAL MTRS CORP               SOLE                  1204
  GENERAL MTRS CORP               OTHER                 6950
  GENERAL NUTRITION COMPANIES INC.SOLE                  9750
  GENERAL NUTRITION COMPANIES INC.OTHER                 700
  GENTEX CORP                     SOLE                  58195
  GENTEX CORP                     SOLE                                            150
  GENTEX CORP                     OTHER                 1000
  GENLYTE GROUP INC               SOLE                  13135
  GENLYTE GROUP INC               OTHER                 9800
  GENUINE PARTS CO                SOLE                  3289
  GENUINE PARTS CO                OTHER                 6750
  GEORGIA PAC CORP                SOLE                  4908
  GEORGIA PAC CORP                OTHER                 3900
  GERBER SCIENTIFIC INC           SOLE                  7775
  GERBER SCIENTIFIC INC           OTHER                 11350
  GILLETTE CO                     SOLE                  38827
  GILLETTE CO                     SOLE                                            4884
  GILLETTE CO                     OTHER                 3900
  GLAXO PLC SPONSORED ADR         SOLE                  8396
  GLAXO PLC SPONSORED ADR         SOLE                                            2300
  GLAXO PLC SPONSORED ADR         OTHER                 2000
  GLOBAL MARINE INC               SOLE                  26175
  GLOBAL MARINE INC               OTHER                 7400
  GOLDMAN SACHS                   SOLE                  76344
  GOLDMAN SACHS                   OTHER                 6062
  GOLDMAN SACHS                   SOLE                  168599
  GOLDMAN SACHS                   OTHER                 17141
  GOODYEAR TIRE & RUBR CO         SOLE                  19925
  GOODYEAR TIRE & RUBR CO         OTHER                 9500
  GREY ADVERTISING INC            SOLE                  4277
  GREY ADVERTISING INC            OTHER                 1575
  HARBOR                          SOLE                  81861
  HARBOR                          OTHER                 1995
  HARCOURT GENERAL INC.           SOLE                  3800
  HARCOURT GENERAL INC.           OTHER                 502
  HARRIS CORP                     SOLE                  44900
  HARRIS CORP                     OTHER                 21675
  HEINZ H J CO                    SOLE                  37489
  HEINZ H J CO                    OTHER                 11400
  HEINZ H J CO                    DEF/OTH               450
  HERSHEY FOODS CORP              SOLE                  3375
  HERSHEY FOODS CORP              OTHER                 710
  HEWLETT PACKARD CO              SOLE                  25740
  HEWLETT PACKARD CO              OTHER                 19850
  HEWLETT PACKARD CO              DEF/OTH               500
  HOME DEPOT INC                  SOLE                  21899
  HOME DEPOT INC                  OTHER                 2194
  HONEYWELL INC                   SOLE                  8691
  HONEYWELL INC                   OTHER                 2038
  HOUSEHOLD INTL INC              SOLE                  39970
  HOUSEHOLD INTL INC              SOLE                                            550
  HUBBELL HARVEY INC              SOLE                  18685
  HUBBELL HARVEY INC              SOLE                                            4700
  HUBBELL HARVEY INC              OTHER                 9496
  HUTTON TEL TR UNIT 1ST TAX FREE SOLE                  31855
  IDG BOOKS WORLDWIDE INC         SOLE                  20000
  IHOP CORP                       SOLE                  52700
  INGERSOLL RAND CO               SOLE                  16407
  INGERSOLL RAND CO               SOLE                                            100
  INGERSOLL RAND CO               OTHER                 11925
  INTEL CORP                      SOLE                  127988
  INTEL CORP                      OTHER                 137874
  IBM CORP                        SOLE                  23322
  IBM CORP                        SOLE                                            2800
  IBM CORP                        OTHER                 22044
  IBM CORP                        OTHER                                           200
  INTERNATIONAL PAPER CO          SOLE                  5068
  INTERNATIONAL PAPER CO          SOLE                                            2000
  INTERNATIONAL PAPER CO          OTHER                 4220
  INTERPUBLIC GROUP               SOLE                  8570
  SCUDDER                         SOLE                  51722
  SCUDDER                         OTHER                 2423
  SCUDDER                         OTHER                              6
  INTIMATE BRANDS                 SOLE                  12150
  INVESTORS TITLE INS CO          SOLE                  15624
  INVESTORS TITLE INS CO          OTHER                 7812
  JACKSONVILLE FLA ELEC AUTH REV  SOLE                  250000
  JANUS                           SOLE                  7103
  JANUS                           OTHER                 10054
  JANUS                           SOLE                  14074
  JANUS                           SOLE                                            8292
  JANUS                           OTHER                 7953
  JEFFERSON PILOT CORP            SOLE                  67456
  JEFFERSON PILOT CORP            OTHER                 53202
  JOHNSON & JOHNSON               SOLE                  35965
  JOHNSON & JOHNSON               SOLE                                            3500
  JOHNSON & JOHNSON               OTHER                 17950
  JOHNSON & JOHNSON               DEF/OTH               400
  JOHNSON CONTROLS                SOLE                  115
  JOHNSON CONTROLS                DEFINED               3840
  KANSAS CITY SOUTHN INDS INC     SOLE                  13000
  KANSAS CITY SOUTHN INDS INC     OTHER                 18000
  KELLOGG CO                      SOLE                  11892
  KENAN TRANS CO                  SOLE                  8760
  KEYCORP NEW                     SOLE                  23374
  KEYCORP NEW                     OTHER                 6124
  KIMBERLY CLARK CORP             SOLE                  6420
  KIMBERLY CLARK CORP             SOLE                                            100
  KIMBERLY CLARK CORP             OTHER                 1500
  KROGER CO                       SOLE                  10750
  LEXMARK INTL GROUP INC CL A     SOLE                  28610
  LEXMARK INTL GROUP INC CL A     SOLE                                            50
  LEXMARK INTL GROUP INC CL A     OTHER                 500
  ELI LILLY                       SOLE                  19746
  ELI LILLY                       SOLE                                            25
  LINCARE HLD INC                 SOLE                  15500
  LINCARE HLD INC                 OTHER                 900
  LINCOLN ELECTRIC HOLDINGS       SOLE                  31025
  LINCOLN ELECTRIC HOLDINGS       OTHER                 22925
  LOCKHEED MARTIN CORP            SOLE                  17364
  LOOMIS SAYLES                   SOLE                  336630
  LOOMIS SAYLES                   SOLE                                            37465
  LOWES COS INC                   SOLE                  52213
  LOWES COS INC                   SOLE                                            4250
  LOWES COS INC                   OTHER                 100
  LUCENT TECHNOLOGIES INC         SOLE                  79575
  LUCENT TECHNOLOGIES INC         DEFINED               116
  LUCENT TECHNOLOGIES INC         OTHER                 16232
  LUCENT TECHNOLOGIES INC         DEF/OTH               800
  MBIA INC                        SOLE                  1000
  MBIA INC                        SOLE                                            4000
  MCI WORLDCOM                    SOLE                  56900
  MCI WORLDCOM                    SOLE                                            50
  MCI WORLDCOM                    OTHER                 5901
  MFS                             SOLE                  596022
  MFS SER TR III HIGH INCOME FD   SOLE                  808852
  MFS SER TR III HIGH INCOME FD   OTHER                 122819
  MMC NETWORKS INC                OTHER                 6800
  MTS SYS CORP                    SOLE                  4500
  MTS SYS CORP                    OTHER                 9000
  MARSH & MCLENNAN COS INC        SOLE                  11992
  MARSH & MCLENNAN COS INC        OTHER                 3000
  MARTIN MARIETTA MATERIALS, INC. SOLE                  13608
  MARTIN MARIETTA MATERIALS, INC. OTHER                 5100
  MFS                             SOLE                  136281
  MATTEL INC                      SOLE                  8968
  MATTEL INC                      OTHER                 2828
  MAXWELL TECHNOLOGIES INC        SOLE                  1162
  MAXWELL TECHNOLOGIES INC        OTHER                 7370
  MCDONALDS CORP                  SOLE                  32660
  MCDONALDS CORP                  OTHER                 2500
  MCGRAW HILL INC                 SOLE                  17885
  MCGRAW HILL INC                 SOLE                                            50
  MCGRAW HILL INC                 OTHER                 200
  MEDIAONE GROUP INC              SOLE                  10212
  MEDIAONE GROUP INC              OTHER                 1546
  MEDTRONIC INC                   SOLE                  45245
  MEDTRONIC INC                   OTHER                 73550
  MERCK & CO INC                  SOLE                  131872
  MERCK & CO INC                  SOLE                                            5200
  MERCK & CO INC                  OTHER                 41300
  MERCK & CO INC                  DEF/OTH               500
  MICROSOFT CORP                  SOLE                  68440
  MICROSOFT CORP                  OTHER                 21400
  MICROSOFT CORP                  OTHER                                           200
  MIDAMERICAN ENERGY HLDGS CO     SOLE                  2850
  MIDAMERICAN ENERGY HLDGS CO     OTHER                 10900
  MILACRON, INC.                  SOLE                  12350
  MILACRON, INC.                  SOLE                                            200
  MILACRON, INC.                  OTHER                 7300
  MINNESOTA MNG & MFG CO          SOLE                  6900
  MINNESOTA MNG & MFG CO          OTHER                 4450
  MOBIL CORP                      SOLE                  19700
  MOBIL CORP                      SOLE                                            3000
  MOBIL CORP                      OTHER                 5866
  MODINE MFG                      SOLE                  12200
  MODINE MFG                      OTHER                 12400
  MONSANTO CO                     SOLE                  39830
  MONSANTO CO                     SOLE                                            75
  MONSANTO CO                     OTHER                 860
  MORGAN J P & CO INC             SOLE                  6240
  MORGAN J P & CO INC             DEF/OTH               200
  MORGAN ST DEAN WITTER           SOLE                  9814
  MORGAN ST DEAN WITTER           OTHER                 2425
  MORGAN STANLEY INSTITUTIONAL FD SOLE                  478497
  MORGAN STANLEY INSTITUTIONAL FD SOLE                               481
  MORGAN STANLEY INSTITUTIONAL FD SOLE                                            1021
  MORGAN STANLEY INSTITUTIONAL FD OTHER                 91704
  MORGAN STANLEY DEAN WITTER      SOLE                  25000
  MOTOROLA INC                    SOLE                  18650
  MOTOROLA INC                    SOLE                                            3849
  MOTOROLA INC                    OTHER                 10168
  MUTUAL RISK MANAGEMENT LTD      SOLE                  1934
  MUTUAL RISK MANAGEMENT LTD      OTHER                 10064
  FRANKLIN                        SOLE                  23484
  FRANKLIN                        SOLE                                            22673
  NACCO INDUSTRIES                SOLE                  21125
  NACCO INDUSTRIES                OTHER                 10400
  NATIONAL CITY CORP              SOLE                  2000
  NATIONAL CITY CORP              SOLE                                            1100
  NEUBERGER & BERMAN              SOLE                  9007
  NEXTEL COMMUNICATIONS           SOLE                  5100
  NORFOLK SOUTHERN CORP           SOLE                  56860
  NORFOLK SOUTHERN CORP           OTHER                 17470
  NORTEL NETWORKS CORP            SOLE                  12220
  NORTEL NETWORKS CORP            SOLE                                            50
  NORTH CAROLINA NAT GAS CORP     SOLE                  35391
  NUVEEN                          SOLE                                            80
  NUVEEN PERF PLUS                SOLE                                            20
  NUVEEN FLAGHSIP                 SOLE                  29100
  NUVEEN                          SOLE                                            12
  OAKWOOD HOMES CORP              SOLE                  4300
  OAKWOOD HOMES CORP              OTHER                 13200
  OFFICE DEPOT INC                SOLE                  81883
  OFFICE DEPOT INC                SOLE                                            112
  OFFICE DEPOT INC                OTHER                 750
  OFFICEMAX INC                   SOLE                  1488
  OFFICEMAX INC                   OTHER                 15000
  OLD REP INTL CORP               SOLE                  19348
  OLSTEN CORP                     SOLE                  113500
  OLSTEN CORP                     OTHER                 34325
  OMNICOM GROUP INC COM           SOLE                                            4000
  OPTICAL COATING LABS INC        SOLE                  2000
  OPTICAL COATING LABS INC        OTHER                 8100
  ORACLE SYSTEMS                  SOLE                  74721
  ORACLE SYSTEMS                  SOLE                                            4450
  ORACLE SYSTEMS                  OTHER                 11812
  ORACLE SYSTEMS                  DEF/OTH               750
  ORLANDO FLA WASTE WTR SYS REV   SOLE                  325000
  PIMCO                           SOLE                  376828
  PNC BANK CORP                   SOLE                  17941
  PNC BANK CORP                   SOLE                               150
  PNC BANK CORP                   OTHER                 4200
  PACIFIC CAPITAL                 SOLE                  56751
  PACIFIC CAPITAL                 SOLE                  75969
  INVESTMENT GRADE MUNI INCOME FD SOLE                  35
  PALL CORP                       SOLE                  14000
  PALM BEACH CNTY FLA HEALTH FACS SOLE                  300000
  PEOPLES BANK                    SOLE                  89925
  PEOPLES BANK                    OTHER                 15775
  PEOPLES BANK                    DEF/OTH               500
  PEPSICO INC                     SOLE                  95644
  PEPSICO INC                     SOLE                                            8000
  PEPSICO INC                     OTHER                 49816
  PETROLEUM & RES CORP            SOLE                  42780
  PETROLEUM & RES CORP            OTHER                 34192
  PFIZER INC                      SOLE                  76441
  PFIZER INC                      SOLE                                            25
  PFIZER INC                      OTHER                 28530
  PFIZER INC                      DEF/OTH               300
  PHELPS DODGE CORP               SOLE                  5015
  PHELPS DODGE CORP               SOLE                                            200
  PHELPS DODGE CORP               OTHER                 100
  PHILADELPHIA SUBN CORP          SOLE                  13031
  PHILADELPHIA SUBN CORP          OTHER                 4000
  PHILIP MORRIS COS INC           SOLE                  153380
  PHILIP MORRIS COS INC           SOLE                                            3000
  PHILIP MORRIS COS INC           OTHER                 36850
  PHILLIPS PETE CO                SOLE                  5063
  PHILLIPS PETE CO                SOLE                                            1000
  PIEDMONT NAT GAS INC            SOLE                  16989
  PIEDMONT NAT GAS INC            OTHER                 3840
  PITNEY-BOWES INC                SOLE                  16662
  PITNEY-BOWES INC                OTHER                 6200
  PLANTRONICS INC                 SOLE                  1000
  PLANTRONICS INC                 OTHER                 8400
  POST PROPERTIES INC             SOLE                                            5000
  POTASH CORP                     SOLE                  6540
  POTASH CORP                     SOLE                                            50
  PRECISION CASTPARTS CORP        SOLE                  26925
  PRECISION CASTPARTS CORP        SOLE                                            50
  PRECISION CASTPARTS CORP        OTHER                 1900
  PRICE (T.ROWE) ASSOCIATES       SOLE                  7000
  PRICE (T.ROWE) ASSOCIATES       OTHER                 34700
  PROCTER & GAMBLE CO             SOLE                  35443
  PROCTER & GAMBLE CO             OTHER                 2600
  PROGRESSIVE CORP                OTHER                 1500
  PROVIDENT COMPANIES INC         SOLE                  27560
  PROVIDENT COMPANIES INC         SOLE                                            75
  PROVIDIAN FINANCIAL CORP        SOLE                  188141
  PROVIDIAN FINANCIAL CORP        OTHER                 31596
  PRUDENTIAL MUNICIPAL BOND FD    DEFINED               21198
  PUBLIC SVC CO N C INC           SOLE                  13510
  PUTNAM                          SOLE                  26930
  QUINTILES TRANSNATIONAL CORP    SOLE                  22300
  QWEST COMMUNICATIONS INTL       SOLE                  21200
  QWEST COMMUNICATIONS INTL       OTHER                 100
  RF MICRO DEVICES                OTHER                 6000
  RAYTHEON CO                     SOLE                  7545
  RAYTHEON CO                     OTHER                 6320
  RELIASTAR FINL CORP             SOLE                  18485
  RELIASTAR FINL CORP             OTHER                 9600
  ROCKWELL INTL CORP NEW          SOLE                  1645
  ROCKWELL INTL CORP NEW          OTHER                 8232
  T ROWE PRICE                    SOLE                  71701
  T ROWE PRICE                    SOLE                                            5828
  T ROWE PRICE                    OTHER                 2988
  T ROWE PRICE                    SOLE                  10064
  T ROWE PRICE                    OTHER                 3683
  T. ROWE PRICE                   SOLE                  45277
  T. ROWE PRICE                   OTHER                 1702
  T ROWE PRICE SMALL-CAP VALUE    SOLE                  85425
  T ROWE PRICE SMALL-CAP VALUE    SOLE                                            8559
  T ROWE PRICE SMALL-CAP VALUE    OTHER                 5949
  ROYAL DUTCH PETE CO             SOLE                  13494
  ROYAL DUTCH PETE CO             SOLE                                            4450
  ROYAL DUTCH PETE CO             OTHER                 3700
  RUDDICK CORP                    SOLE                  55400
  RUDDICK CORP                    SOLE                                            2000
  RUDDICK CORP                    OTHER                 15650
  RYANS FAMILY STEAK HOUSES INC   SOLE                  37650
  RYANS FAMILY STEAK HOUSES INC   OTHER                 31600
  SBC COMMUNICATIONS INC          SOLE                  55603
  SBC COMMUNICATIONS INC          SOLE                               250
  SBC COMMUNICATIONS INC          OTHER                 17482
  SBC COMMUNICATIONS INC          DEF/OTH               782
  S&P 500 DEPOSITORY RECEIPT      SOLE                  15562
  ST PAUL COS INC                 SOLE                  19335
  ST PAUL COS INC                 OTHER                 1000
  SARA LEE CORP                   SOLE                  9400
  SARA LEE CORP                   OTHER                 5600
  SCHERING PLOUGH CORP            SOLE                  18224
  SCHERING PLOUGH CORP            OTHER                 3352
  SCHLUMBERGER LTD                SOLE                  35279
  SCHLUMBERGER LTD                SOLE                                            125
  SCHLUMBERGER LTD                OTHER                 5650
  SCUDDER                         SOLE                  10952
  SEAGRAM LTD                     SOLE                  4500
  SELIGMAN                        SOLE                  12404
  SEQUOIA                         OTHER                                           24342
  SERVICE CORP INTL               SOLE                  103226
  SERVICE CORP INTL               SOLE                                            2000
  SERVICE CORP INTL               OTHER                 44000
  SONOCO PRODS CO                 SOLE                  54691
  SONOCO PRODS CO                 OTHER                 9067
  SOUTHERN CAPITAL TRUST I        OTHER                 10000
  SOUTHERN CO                     SOLE                  7850
  SOUTHERN CO                     DEF/OTH               832
  SPRINT CORP                     SOLE                  31752
  SPRINT CORP                     SOLE                                            100
  SPRINT CORP                     DEFINED               2000
  SPRINT CORP                     OTHER                 15776
  SPRINT CORP                     SOLE                  5157
  SPRINT CORP                     DEFINED               500
  SPRINT CORP                     OTHER                 3943
  STAPLES INC                     SOLE                  27862
  STAPLES INC                     OTHER                 825
  STARWOOD HOTELS & RESORTS       SOLE                  6174
  STARWOOD HOTELS & RESORTS       OTHER                 4700
  STATE STREET CORP               OTHER                 6000
  STRONG                          SOLE                  90236
  STRONG                          SOLE                                            43688
  STRYKER CORP                    SOLE                  20050
  STRYKER CORP                    OTHER                 41800
  SUN MICROSYSTEMS INC            SOLE                  7060
  SUN MICROSYSTEMS INC            OTHER                 438
  SUNGARD DATA SYSTEMS INC        SOLE                  44965
  SUNGARD DATA SYSTEMS INC        SOLE                                            75
  SUNGARD DATA SYSTEMS INC        OTHER                 400
  SUNTRUST BANKS INC              SOLE                  33959
  SUNTRUST BANKS INC              OTHER                 7847
  SYMANTEC CORP                   SOLE                  33400
  SYMANTEC CORP                   OTHER                 25825
  SYNOVUS FINL CORP               SOLE                  132075
  SYNOVUS FINL CORP               OTHER                 60427
  SYSTEMAX INC                    SOLE                  54225
  SYSTEMAX INC                    OTHER                 28675
  TECO ENERGY INC                 SOLE                  38478
  TECO ENERGY INC                 SOLE                                            1000
  TECO ENERGY INC                 OTHER                 11300
  TANDY CORP                      SOLE                  4400
  TANDY CORP                      OTHER                 300
  TELLABS, INC                    SOLE                  9800
  TELLABS, INC                    OTHER                 4000
  TENN VALLEY AUTHORITY           SOLE                  83750
  TEXACO INC                      SOLE                  8204
  TEXACO INC                      OTHER                 4500
  TEXACO INC                      DEF/OTH               203
  TEXAS INSTRUMENT INC            SOLE                  2500
  TEXAS INSTRUMENT INC            OTHER                 1200
  THOMAS & BETTS CORP             SOLE                  400
  THOMAS & BETTS CORP             OTHER                 7200
  3COM CORP                       SOLE                  1563
  3COM CORP                       OTHER                 24600
  TIDEWATER INC                   SOLE                  51450
  TIDEWATER INC                   OTHER                 29600
  TOSCO CORP                      SOLE                  28895
  TOSCO CORP                      SOLE                                            100
  TOWER AUTOMOTIVE INC            SOLE                  65070
  TOWER AUTOMOTIVE INC            SOLE                                            100
  TOWER AUTOMOTIVE INC            OTHER                 3500
  TRI CONTL CORP                  SOLE                  308104
  TRI CONTL CORP                  OTHER                 15966
  TRIANGLE BANCORP INC            SOLE                  39268
  TRIANGLE BANCORP INC            OTHER                 1312
  TRICON GLOBAL RESTAURANTS       SOLE                  4864
  TRICON GLOBAL RESTAURANTS       OTHER                 3780
  OAK VALUE FD                    OTHER                                           18016
  TYCO INTERNATIONAL LTD          SOLE                  42187
  TYCO INTERNATIONAL LTD          SOLE                                            37
  TYCO INTERNATIONAL LTD          OTHER                 3175
  UST INC                         SOLE                  26505
  UST INC                         SOLE                                            1600
  UNILEVER N V NEW YORK SHS       SOLE                  936
  UNILEVER N V NEW YORK SHS       OTHER                 5000
  UNITED                          SOLE                  18330
  U S WEST INC                    SOLE                  23396
  U S WEST INC                    OTHER                 7655
  UNITED STATES TREASURY          SOLE                  685000
  UNITED TECHNOLOGIES CORP        SOLE                  24339
  UNITED TECHNOLOGIES CORP        SOLE                                            50
  UNITED TECHNOLOGIES CORP        OTHER                 1200
  UNIVERSAL HEALTH SVCS INC       SOLE                  600
  UNIVERSAL HEALTH SVCS INC       OTHER                 18200
  UNOCAL CORP                     SOLE                  5940
  VAN KAMP MUNI INC TR            SOLE                  3
  VANGUARD                        SOLE                  115342
  VANGUARD                        SOLE                                            2899
  VANGUARD                        OTHER                 7462
  VANGUARD                        SOLE                  17910
  VANGUARD                        SOLE                  5359
  VANGUARD                        DEF/OTH               3044
  VANGUARD                        SOLE                  5208
  VANGUARD                        OTHER                 77810
  VANGUARD                        SOLE                  415717
  VANGUARD                        SOLE                  25107
  VANGUARD                        SOLE                                            39217
  VANGUARD                        SOLE                  17580
  VANGUARD                        OTHER                 21182
  VANGUARD                        SOLE                  33861
  VANGUARD                        SOLE                                            18396
  VANGUARD                        OTHER                 3712
  VANGUARD                        OTHER                                           16190
  WACHOVIA CORP                   SOLE                  18045
  WACHOVIA CORP                   OTHER                 20136
  WAL-MART STORES                 SOLE                  7720
  WAL-MART STORES                 OTHER                 1500
  WALGREEN CO                     SOLE                  11540
  WALGREEN CO                     SOLE                                            100
  WALGREEN CO                     OTHER                 6600
  WALLACE COMPUTER SERVICES INC   SOLE                  10925
  WARNER LAMBERT CO               SOLE                  61863
  WARNER LAMBERT CO               SOLE                                            25
  WARNER LAMBERT CO               OTHER                 200
  WASHINGTON MUTUAL INC           SOLE                  35938
  WASHINGTON MUTUAL INC           SOLE                                            100
  WASHINGTON MUTUAL INC           OTHER                 2160
  WASHINGTON POST CO              OTHER                                           1200
  WATSON PHARMACEUTICAL INC       SOLE                  58780
  WATSON PHARMACEUTICAL INC       SOLE                                            50
  WATSON PHARMACEUTICAL INC       OTHER                 1300
  WELLS FARGO COMPANY             DEFINED               21350
  WELLS FARGO COMPANY             OTHER                 5600
  WEST MARINE INC                 SOLE                  60350
  WEST MARINE INC                 OTHER                 27675
  WILLIAMS COS                    SOLE                  8108
  WINN DIXIE STORES INC           SOLE                  6942
  WINN DIXIE STORES INC           OTHER                 5000
  WRIGLEY (WM) JR CO              SOLE                  4250
  WRIGLEY (WM) JR CO              OTHER                 2000
  XILINX INC                      SOLE                  600
  XILINX INC                      OTHER                 6600
  XEROX CORP                      SOLE                  20394
  XEROX CORP                      OTHER                 8000
  SAP AG-VORZUG NEW (PREFERRED)   SOLE                  200
  SAP AG-VORZUG NEW (PREFERRED)   OTHER                 2250
  ROCHE HOLDING                   SOLE                  280
  GILAT SATELLITE NETWORKS LTD    SOLE                  600
  GILAT SATELLITE NETWORKS LTD    OTHER                 4100
  NCT HOLDINGS, INC. CLASS B      OTHER                 28000
  MEDICAL PRODUCTS SEARCH, INC.   SOLE                  15000
  ELECTRIC SUPPLY CO. OF NC, INC. OTHER                                           37228
  DESCO, INC                      SOLE                                            8720
  PETERSBURG MOTOR COMPANY, INC.  SOLE                  4590
</TABLE>


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