CENTRAL CAROLINA BANK & TRUST CO N C
13F-HR, 1999-12-13
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[DESCRIPTION]           FORM 13F
                                                 UNITED STATES
                                       SECURITIES AND EXCHANGE COMMISSION
                                            Washington, D.C.  20549
                                                    FORM 13F
                                              FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: 09/30/1999

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:

1    DURHAM NC.    10/16/1999

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:           639
Form 13F Information Table Value Total:           $ 895,475

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        1714        40922 SH
  AFLAC INC                        COMMON STOCKS   001055102         385         9200 SH
  AT&T CORP                        COMMON STOCKS   001957109        3719        85500 SH
  AT&T CORP                        COMMON STOCKS   001957109           6          135 SH
  AT&T CORP                        COMMON STOCKS   001957109         492        11307 SH
  AT&T CORP                        COMMON STOCKS   001957109          33          749 SH
  AXA FINANCIAL INC                COMMON STOCKS   002451102         234         4200 SH
  ABBOTT LABS                      COMMON STOCKS   002824100        3751       102241 SH
  ABBOTT LABS                      COMMON STOCKS   002824100        1120        30525 SH
  ROWE CORP                        CLOSELY HELD CO 006997019         506        20000 SH
  AEGON N V                        COMMON STOCKS   007924103        8722       100829 SH
  AEGON N V                        COMMON STOCKS   007924103        1455        16822 SH
  ROSEMYR CORP                     CLOSELY HELD CO 009990011        1594         6898 SH
  ROSEMYR CORP                     CLOSELY HELD CO 009990011        1558         6745 SH
  ALBERTSONS INC                   COMMON STOCKS   013104104         210         5300 SH
  ALBERTSONS INC                   COMMON STOCKS   013104104         961        24284 SH
  ALLEGHANY CORP                   COMMON STOCKS   017175100         233         1317 SH
  ALLEGHENY ENERGY INC             COMMON STOCKS   017361106         266         8346 SH
  ALLEGHENY ENERGY INC             COMMON STOCKS   017361106          57         1800 SH
  ALLIANCE GROWTH                  MUTUAL FUNDS-EQ 01877F401         279         5298 PRN
  ALLIED SIGNAL INC                COMMON STOCKS   019512102        2840        47385 SH
  ALLIED SIGNAL INC                COMMON STOCKS   019512102         743        12400 SH
  ALLSTATE CORPORATION             COMMON STOCKS   020002101         173         6950 SH
  ALLSTATE CORPORATION             COMMON STOCKS   020002101          42         1676 SH
  ALLTEL CORP                      COMMON STOCKS   020039103         394         5598 SH
  ALLTEL CORP                      COMMON STOCKS   020039103         195         2771 SH
  ALPHA INDS INC                   COMMON STOCKS   020753109         203         3600 SH
  ALTERA CORP                      COMMON STOCKS   021441100         121         2800 SH
  ALTERA CORP                      COMMON STOCKS   021441100         234         5400 SH
  AMERICAN CENTURY                 MUTUAL FUNDS-EQ 02507M600        2744       117417 PRN
  AMERICAN CENTURY                 MUTUAL FUNDS-EQ 02507M600           2           76 PRN
  AMERICAN ELEC PWR INC            COMMON STOCKS   025537101         182         5345 SH
  AMERICAN ELEC PWR INC            COMMON STOCKS   025537101          79         2318 SH
  AMERICAN GEN CORP                COMMON STOCKS   026351106         385         6091 SH
  AMERICAN GEN CORP                COMMON STOCKS   026351106         378         5970 SH
  AMERICAN HOME PRODS CORP         COMMON STOCKS   026609107        5703       137433 SH
  AMERICAN HOME PRODS CORP         COMMON STOCKS   026609107        1680        40475 SH
  AMERICAN INTL GROUP INC          COMMON STOCKS   026874107        1544        17763 SH
  AMERICAN INTL GROUP INC          COMMON STOCKS   026874107          89         1025 SH
  AMERITECH CORP                   COMMON STOCKS   030954101         849        12720 SH
  AMERITECH CORP                   COMMON STOCKS   030954101         656         9824 SH
  AMETEK INC                       COMMON STOCKS   031100100         934        47150 SH
  AMETEK INC                       COMMON STOCKS   031100100         175         8825 SH
  AMGEN INC                        COMMON STOCKS   031162100        1457        17875 SH
  AMGEN INC                        COMMON STOCKS   031162100          29          350 SH
  ANHEUSER BUSCH COMPANIES         COMMON STOCKS   035229103         932        13300 SH
  ANHEUSER BUSCH COMPANIES         COMMON STOCKS   035229103         771        11000 SH
  AON CORP                         COMMON STOCKS   037389103         233         7880 SH
  APPLIED MATERIALS                COMMON STOCKS   038222105        5566        71640 SH
  APPLIED MATERIALS                COMMON STOCKS   038222105         983        12650 SH
  ARCADIA FINANCIAL CORP           COMMON STOCKS   039101100          66        15375 SH
  ATLANTIC RICHFIELD               COMMON STOCKS   048825103        1354        15280 SH
  ATLANTIC RICHFIELD               COMMON STOCKS   048825103         348         3930 SH
  AUTODESK INC.                    COMMON STOCKS   052769106        1476        67475 SH
  AUTODESK INC.                    COMMON STOCKS   052769106         186         8500 SH
  AUTOMATIC DATA PROCESSING INC    COMMON STOCKS   053015103        1832        41055 SH
  AUTOMATIC DATA PROCESSING INC    COMMON STOCKS   053015103          39          880 SH
  AVERY DENNISON CORP              COMMON STOCKS   053611109         211         4000 SH
  AVNET INC                        COMMON STOCKS   053807103         462        11000 SH
  BB & T CORPORATION               COMMON STOCKS   054937107        1559        48159 SH
  BP AMOCO PLC                     COMMON STOCKS   055622104        3458        31208 SH
  BP AMOCO PLC                     COMMON STOCKS   055622104         603         5446 SH
  BANDAG INC                       COMMON STOCKS   059815308         207         8205 SH
  BANDAG INC                       COMMON STOCKS   059815308          30         1175 SH
  BANK OF AMERICA CORP             COMMON STOCKS   060505104        2311        41497 SH
  BANK OF AMERICA CORP             COMMON STOCKS   060505104        1595        28642 SH
  BANK OF NEW YORK INC             COMMON STOCKS   064057102         147         4400 SH
  BANK OF NEW YORK INC             COMMON STOCKS   064057102         361        10800 SH
  BANK ONE CORP                    COMMON STOCKS   06423A103         553        15873 SH
  BANK ONE CORP                    COMMON STOCKS   06423A103          70         2003 SH
  BAXTER INTL INC                  COMMON STOCKS   071813109         233         3860 SH
  BAXTER INTL INC                  COMMON STOCKS   071813109           4           70 SH
  BECKMAN COULTER, INC.            COMMON STOCKS   075811109        1451        32150 SH
  BECKMAN COULTER, INC.            COMMON STOCKS   075811109         158         3500 SH
  BED BATH & BEYOND                COMMON STOCKS   075896100         499        14293 SH
  BED BATH & BEYOND                COMMON STOCKS   075896100          49         1400 SH
  BELL ATLANTIC CORP               COMMON STOCKS   077853109        1495        22212 SH
  BELL ATLANTIC CORP               COMMON STOCKS   077853109         944        14028 SH
  BELLSOUTH CORP                   COMMON STOCKS   079860102        1928        42838 SH
  BELLSOUTH CORP                   COMMON STOCKS   079860102          27          608 SH
  BELLSOUTH CORP                   COMMON STOCKS   079860102         771        17136 SH
  BERKSHIRE HATHAWAY INC           COMMON STOCKS   084670108          55            1 SH
  BERKSHIRE HATHAWAY INC           COMMON STOCKS   084670108        9900          180 SH
  BERKSHIRE HATHAWAY INC           COMMON STOCKS   084670207         507          273 SH
  BERKSHIRE HATHAWAY INC           COMMON STOCKS   084670207          41           22 SH
  BOEING CO                        COMMON STOCKS   097023105         707        16581 SH
  BOEING CO                        COMMON STOCKS   097023105         578        13552 SH
  BRANDYWINE FD INC                MUTUAL FUNDS-EQ 10532D107         257         7314 PRN
  BRISTOL MYERS SQUIBB CO          COMMON STOCKS   110122108        3442        50991 SH
  BRISTOL MYERS SQUIBB CO          COMMON STOCKS   110122108         824        12200 SH
  CCB FINL CORP                    COMMON STOCKS   124875105       62410      1499347 SH
  CCB FINL CORP                    COMMON STOCKS   124875105         766        18400 SH
  CCB FINL CORP                    COMMON STOCKS   124875105        7806       187526 SH
  CBRL GROUP INC                   COMMON STOCKS   12489V106        1498        96625 SH
  CBRL GROUP INC                   COMMON STOCKS   12489V106         395        25500 SH
  CBS CORP                         COMMON STOCKS   12490K107         370         8000 SH
  CBS CORP                         COMMON STOCKS   12490K107           5          100 SH
  CCB                              MUTUAL FUNDS-EQ 12500E307       71859      3302345 PRN
  CCB                              MUTUAL FUNDS-EQ 12500E307        7378       339082 PRN
  CSX CORP                         COMMON STOCKS   126408103         381         8998 SH
  CSX CORP                         COMMON STOCKS   126408103         299         7066 SH
  CAP ONE FINANCIAL CORP           COMMON STOCKS   14040H105        5632       144413 SH
  CAP ONE FINANCIAL CORP           COMMON STOCKS   14040H105         117         3000 SH
  CAROLINA PWR & LT CO             COMMON STOCKS   144141108        2598        73430 SH
  CAROLINA PWR & LT CO             COMMON STOCKS   144141108         136         3835 SH
  CATERPILLAR TRACTOR CO           COMMON STOCKS   149123101         285         5195 SH
  CATERPILLAR TRACTOR CO           COMMON STOCKS   149123101          44          800 SH
  CENDANT CORP                     COMMON STOCKS   151313103         473        26640 SH
  CENDANT CORP                     COMMON STOCKS   151313103          20         1100 SH
  CENTURA BKS INC                  COMMON STOCKS   15640T100         329         7960 SH
  CENTURA BKS INC                  COMMON STOCKS   15640T100        1529        36960 SH
  CHASE MANHATTAN CORP             COMMON STOCKS   16161A108         481         6376 SH
  CHASE MANHATTAN CORP             COMMON STOCKS   16161A108         264         3508 SH
  CHEVRON CORP                     COMMON STOCKS   166751107        1036        11670 SH
  CHEVRON CORP                     COMMON STOCKS   166751107         250         2816 SH
  CISCO SYSTEMS                    COMMON STOCKS   17275R102        8345       121711 SH
  CISCO SYSTEMS                    COMMON STOCKS   17275R102        1515        22100 SH
  CISCO SYSTEMS                    COMMON STOCKS   17275R102         103         1498 SH
  CITIGROUP INC                    COMMON STOCKS   172967101        1061        24114 SH
  CITIGROUP INC                    COMMON STOCKS   172967101        1182        26865 SH
  CLAYTON HOMES INC                COMMON STOCKS   184190106         243        27927 SH
  CLOROX CO                        COMMON STOCKS   189054109         199         5200 SH
  CLOROX CO                        COMMON STOCKS   189054109          27          700 SH
  COCA COLA CO                     COMMON STOCKS   191216100        4187        86778 SH
  COCA COLA CO                     COMMON STOCKS   191216100         261         5400 SH
  COLGATE PALMOLIVE CO             COMMON STOCKS   194162103         988        21592 SH
  COLGATE PALMOLIVE CO             COMMON STOCKS   194162103         224         4896 SH
  COMPAQ COMPUTER CORP             COMMON STOCKS   204493100        1843        80564 SH
  COMPAQ COMPUTER CORP             COMMON STOCKS   204493100         300        13118 SH
  COMPAQ COMPUTER CORP             COMMON STOCKS   204493100          11          500 SH
  COMPUTER ASSOC INT'L INC         COMMON STOCKS   204912109         365         5975 SH
  COMPUTER SCIENCES CORP           COMMON STOCKS   205363104         283         4020 SH
  COMPUTER SCIENCES CORP           COMMON STOCKS   205363104         281         4000 SH
  CONE MILLS CORP                  COMMON STOCKS   206814105          77        15800 SH
  CONE MILLS CORP                  COMMON STOCKS   206814105         278        56942 SH
  CONSOLIDTD STORES                COMMON STOCKS   210149100         227        10275 SH
  CONSOLIDTD STORES                COMMON STOCKS   210149100         163         7400 SH
  CORNING INC                      COMMON STOCKS   219350105         247         3600 SH
  CORPORATE EXPRESS INC            COMMON STOCKS   219888104         644        68450 SH
  CORPORATE EXPRESS INC            COMMON STOCKS   219888104         213        22675 SH
  DALLAS SEMICONDUCTOR CORP        COMMON STOCKS   235204104          91         1700 SH
  DALLAS SEMICONDUCTOR CORP        COMMON STOCKS   235204104         192         3600 SH
  DANAHER CORP                     COMMON STOCKS   235851102          76         1447 SH
  DANAHER CORP                     COMMON STOCKS   235851102         476         9041 SH
  DELHAIZE AMERICA                 COMMON STOCKS   246688105         265        12493 SH
  DELHAIZE AMERICA                 COMMON STOCKS   246688105          10          464 SH
  DELHAIZE AMERICA                 COMMON STOCKS   246688204         673        29741 SH
  DELHAIZE AMERICA                 COMMON STOCKS   246688204         204         9000 SH
  DIEBOLD INC                      COMMON STOCKS   253651103        1284        55511 SH
  DIEBOLD INC                      COMMON STOCKS   253651103         132         5703 SH
  DISNEY WALT CO                   COMMON STOCKS   254687106        1101        42349 SH
  DISNEY WALT CO                   COMMON STOCKS   254687106         179         6900 SH
  DODGE & COX                      MUTUAL FUNDS-BA 256201104         274         4055 PRN
  DODGE & COX                      MUTUAL FUNDS-EQ 256219106         745         7537 PRN
  DOMINION RES INC                 COMMON STOCKS   257470104         146         3236 SH
  DOMINION RES INC                 COMMON STOCKS   257470104          83         1849 SH
  DOVER CORP                       COMMON STOCKS   260003108         941        23025 SH
  DOW CHEM CO                      COMMON STOCKS   260543103        1261        11096 SH
  DOW CHEM CO                      COMMON STOCKS   260543103         214         1885 SH
  DREYFUS FD                       MUTUAL FUNDS-EQ 262003106         136        11711 PRN
  DU PONT E I DE NEMOURS & CO      COMMON STOCKS   263534109         772        12768 SH
  DU PONT E I DE NEMOURS & CO      COMMON STOCKS   263534109        1068        17645 SH
  DU PONT E I DE NEMOURS & CO      COMMON STOCKS   263534109         182         3000 SH
  DUFF & PHELPS UTILS INCOME INC   CLOSED END FUND 264324104         177        18300 PRN
  DUKE ENERGY CORP                 COMMON STOCKS   264399106        3324        60302 SH
  DUKE ENERGY CORP                 COMMON STOCKS   264399106         668        12126 SH
  DUKE ENERGY CORP                 COMMON STOCKS   264399106          50          906 SH
  EG & G INC                       COMMON STOCKS   268457108         509        12800 SH
  EG & G INC                       COMMON STOCKS   268457108         358         9000 SH
  EMC CORP                         COMMON STOCKS   268648102       11842       165908 SH
  EMC CORP                         COMMON STOCKS   268648102        3148        44100 SH
  EASTMAN KODAK CO                 COMMON STOCKS   277461109         617         8155 SH
  EASTMAN KODAK CO                 COMMON STOCKS   277461109         391         5175 SH
  EATON CORP                       COMMON STOCKS   278058102        1243        14400 SH
  EATON CORP                       COMMON STOCKS   278058102         906        10500 SH
  EMERSON ELECTRIC CO              COMMON STOCKS   291011104         298         4720 SH
  EMERSON ELECTRIC CO              COMMON STOCKS   291011104         293         4630 SH
  ENRON CORP                       COMMON STOCKS   293561106        1215        29580 SH
  ENRON CORP                       COMMON STOCKS   293561106         329         8020 SH
  ENTREMED INC                     COMMON STOCKS   29382F103         201         9304 SH
  EQUITABLE RES INC                COMMON STOCKS   294549100         255         6750 SH
  EQUITY INCOME FD                 COMMON STOCKS   294700703        6042        30710 SH
  EQUITY INCOME FD                 COMMON STOCKS   294700703         748         3800 SH
  EUITY INCOME FUND                MUTUAL FUNDS-EQ 294711247          22        26008 PRN
  EUITY INCOME FUND                MUTUAL FUNDS-EQ 294711270          38        36194 PRN
  EXXON CORP                       COMMON STOCKS   302290101       15107       198772 SH
  EXXON CORP                       COMMON STOCKS   302290101        3711        48824 SH
  FAMILY DLR STORES INC            COMMON STOCKS   307000109         597        28250 SH
  FDX CORPORATION                  COMMON STOCKS   31304N107        1682        43266 SH
  FDX CORPORATION                  COMMON STOCKS   31304N107         544        14000 SH
  FEDERAL HOME LOAN MORTGAGE CORP  COMMON STOCKS   313400301         363         6977 SH
  FEDERAL HOME LOAN MORTGAGE CORP  COMMON STOCKS   313400301          26          500 SH
  FEDERAL NATIONAL MORTGAGE ASSN   COMMON STOCKS   313586109        3827        61043 SH
  FEDERAL NATIONAL MORTGAGE ASSN   COMMON STOCKS   313586109         292         4662 SH
  FEDERAL NATIONAL MORTGAGE ASSN   COMMON STOCKS   313586109          31          500 SH
  FEDERATED                        MUTUAL FUNDS-FI 314184102        1357       124154 PRN
  FEDERATED                        MUTUAL FUNDS-FI 314184102         243        22249 PRN
  FEDERATED INCOME TRUST           MUTUAL FUNDS-FI 314199100         190        18946 PRN
  FEDERATED INCOME TRUST           MUTUAL FUNDS-FI 314199100          35         3485 PRN
  FEDERATED                        MUTUAL FUNDS-FI 31420C209          94        10921 PRN
  FEDERATED                        MUTUAL FUNDS-FI 31420C407       66176      6794201 PRN
  FEDERATED                        MUTUAL FUNDS-FI 31420C407         186        19068 PRN
  FEDERATED                        MUTUAL FUNDS-FI 31420C407        3602       369792 PRN
  FEDERATED SHORT INTER MUN TR SH  MUTUAL FUNDS-FI 314280108          58         5733 PRN
  FEDERATED SHORT INTER MUN TR SH  MUTUAL FUNDS-FI 314280108         162        15973 PRN
  FEDERATED US GOVT SEC            MUTUAL FUNDS-FI 31428P103         197        18728 PRN
  FIDELITY ADV INST EQUITY GROWTH  MUTUAL FUNDS-EQ 315805101        2163        33913 PRN
  FIDELITY ADV INST EQUITY GROWTH  MUTUAL FUNDS-EQ 315805101          67         1044 PRN
  FIDELITY ADVISOR                 MUTUAL FUNDS-EQ 315807883         295         6002 PRN
  FIDELITY                         MUTUAL FUNDS-IN 316145101         110         3729 PRN
  FIDELITY                         MUTUAL FUNDS-IN 316145101         158         5363 PRN
  FIRST CITIZENS BCSHS             COMMON STOCKS   31946M103         389         5070 SH
  FIRST UNION CORP                 COMMON STOCKS   337358105        1649        46290 SH
  FIRST UNION CORP                 COMMON STOCKS   337358105         157         4393 SH
  FIRST UNION CORP                 COMMON STOCKS   337358105          14          400 SH
  FLORIDA ST                       MUNICIPAL BONDS 341596FU3         291       300000 PRN
  FLOWERS INDS INC                 COMMON STOCKS   343496105        1167        86025 SH
  FLOWERS INDS INC                 COMMON STOCKS   343496105         258        19000 SH
  FORD MTR CO                      COMMON STOCKS   345370100        1325        26370 SH
  FORD MTR CO                      COMMON STOCKS   345370100           5          108 SH
  FORD MTR CO                      COMMON STOCKS   345370100         248         4926 SH
  FORTUNE BRANDS INC               COMMON STOCKS   349631101         729        22600 SH
  FRANKLIN                         MUTUAL FUNDS-EQ 35251D103        1127        37266 PRN
  FRANKLIN                         MUTUAL FUNDS-EQ 35251D103          42         1383 PRN
  FRANKLIN                         MUTUAL FUNDS-FI 353496300          53        23519 PRN
  FRANKLIN                         MUTUAL FUNDS-EQ 354713109        1287        46238 PRN
  FRANKLIN                         MUTUAL FUNDS-EQ 354713109         115         4128 PRN
  FRANKLIN                         MUTUAL FUNDS-FI 354723793         595        51913 PRN
  FRANKLIN                         MUTUAL FUNDS-FI 354723793          42         3647 PRN
  GTE CORP                         COMMON STOCKS   362320103        1566        20370 SH
  GTE CORP                         COMMON STOCKS   362320103         622         8096 SH
  GALLAHER GROUP PLC ADR           COMMON STOCKS   363595109         669        24610 SH
  GANNETT INC                      COMMON STOCKS   364730101         156         2250 SH
  GANNETT INC                      COMMON STOCKS   364730101          76         1100 SH
  GATEWAY INC                      COMMON STOCKS   367626108        1852        42100 SH
  GATEWAY INC                      COMMON STOCKS   367626108         370         8400 SH
  GENERAL ELEC CO                  COMMON STOCKS   369604103       20543       173266 SH
  GENERAL ELEC CO                  COMMON STOCKS   369604103        4946        41720 SH
  GENERAL ELEC CO                  COMMON STOCKS   369604103          95          800 SH
  GENERAL MILLS INC                COMMON STOCKS   370334104         330         4067 SH
  GENERAL MILLS INC                COMMON STOCKS   370334104         203         2500 SH
  GENERAL MTRS CORP                COMMON STOCKS   370442105         696        11058 SH
  GENERAL MTRS CORP                COMMON STOCKS   370442105           4           60 SH
  GENERAL MTRS CORP                COMMON STOCKS   370442105         106         1690 SH
  GENERAL MTRS CORP                COMMON STOCKS   370442832          69         1204 SH
  GENERAL MTRS CORP                COMMON STOCKS   370442832         398         6950 SH
  GENTEX CORP                      COMMON STOCKS   371901109        1863        90195 SH
  GENTEX CORP                      COMMON STOCKS   371901109          41         2000 SH
  GENLYTE GROUP INC                COMMON STOCKS   372302109         312        13135 SH
  GENLYTE GROUP INC                COMMON STOCKS   372302109         268        11300 SH
  GENUINE PARTS CO                 COMMON STOCKS   372460105         261         9814 SH
  GEORGIA PAC CORP                 COMMON STOCKS   373298108         181         4488 SH
  GEORGIA PAC CORP                 COMMON STOCKS   373298108         158         3900 SH
  GERBER SCIENTIFIC INC            COMMON STOCKS   373730100         174         7775 SH
  GERBER SCIENTIFIC INC            COMMON STOCKS   373730100         254        11350 SH
  GILLETTE CO                      COMMON STOCKS   375766102        1484        43731 SH
  GILLETTE CO                      COMMON STOCKS   375766102         112         3300 SH
  GLAXO PLC SPONSORED ADR          COMMON STOCKS   37733W105         535        10294 SH
  GLAXO PLC SPONSORED ADR          COMMON STOCKS   37733W105         104         2000 SH
  GLOBAL MARINE INC                COMMON STOCKS   379352404         310        18875 SH
  GLOBAL MARINE INC                COMMON STOCKS   379352404          12          700 SH
  GOLDMAN SACHS                    MUTUAL FUNDS-FI 38141W208         713        73960 PRN
  GOLDMAN SACHS                    MUTUAL FUNDS-FI 38141W208          58         6062 PRN
  GOLDMAN SACHS                    MUTUAL FUNDS-FI 38141W307        1443       150421 PRN
  GOLDMAN SACHS                    MUTUAL FUNDS-FI 38141W307         164        17141 PRN
  GOODYEAR TIRE & RUBR CO          COMMON STOCKS   382550101         800        16625 SH
  GOODYEAR TIRE & RUBR CO          COMMON STOCKS   382550101         462         9600 SH
  GREY ADVERTISING INC             COMMON STOCKS   397838103        1500         4077 SH
  GREY ADVERTISING INC             COMMON STOCKS   397838103         396         1075 SH
  HARBOR                           MUTUAL FUNDS-EQ 411511504        3568        82630 PRN
  HARBOR                           MUTUAL FUNDS-EQ 411511504          39          899 PRN
  HARRIS CORP                      COMMON STOCKS   413875105        1466        53050 SH
  HARRIS CORP                      COMMON STOCKS   413875105         392        14175 SH
  HEINZ H J CO                     COMMON STOCKS   423074103        1773        41239 SH
  HEINZ H J CO                     COMMON STOCKS   423074103         297         6900 SH
  HEINZ H J CO                     COMMON STOCKS   423074103          19          450 SH
  HEWLETT PACKARD CO               COMMON STOCKS   428236103        2971        32740 SH
  HEWLETT PACKARD CO               COMMON STOCKS   428236103        1157        12750 SH
  HEWLETT PACKARD CO               COMMON STOCKS   428236103          45          500 SH
  HOME DEPOT INC                   COMMON STOCKS   437076102        1366        19899 SH
  HOME DEPOT INC                   COMMON STOCKS   437076102         191         2778 SH
  HONEYWELL INC                    COMMON STOCKS   438506107         979         8791 SH
  HONEYWELL INC                    COMMON STOCKS   438506107         227         2038 SH
  HOUSEHOLD INTL INC               COMMON STOCKS   441815107        1933        48170 SH
  HOUSEHOLD INTL INC               COMMON STOCKS   441815107          32          800 SH
  HUBBELL HARVEY INC               COMMON STOCKS   443510201         967        30329 SH
  HUBBELL HARVEY INC               COMMON STOCKS   443510201          81         2552 SH
  HUTTON TEL TR UNIT 1ST TAX FREE  MUTUAL FUNDS-FI 447900101         182        31855 PRN
  IDG BOOKS WORLDWIDE INC          COMMON STOCKS   449384106         319        20000 SH
  IHOP CORP                        COMMON STOCKS   449623107        1067        52700 SH
  INGERSOLL RAND CO                COMMON STOCKS   456866102         859        15632 SH
  INGERSOLL RAND CO                COMMON STOCKS   456866102         655        11925 SH
  INTEL CORP                       COMMON STOCKS   458140100       12290       165388 SH
  INTEL CORP                       COMMON STOCKS   458140100        7080        95274 SH
  IBM CORP                         COMMON STOCKS   459200101        3789        31316 SH
  IBM CORP                         COMMON STOCKS   459200101        2184        18052 SH
  INTERNATIONAL PAPER CO           COMMON STOCKS   460146103         340         7068 SH
  INTERNATIONAL PAPER CO           COMMON STOCKS   460146103         203         4220 SH
  INTERPUBLIC GROUP                COMMON STOCKS   460690100         791        19240 SH
  INTERPUBLIC GROUP                COMMON STOCKS   460690100          16          400 SH
  SCUDDER                          MUTUAL FUNDS-EQ 460965882        1263        48981 PRN
  SCUDDER                          MUTUAL FUNDS-EQ 460965882          63         2429 PRN
  INTIMATE BRANDS                  COMMON STOCKS   461156101        1021        26216 SH
  INTIMATE BRANDS                  COMMON STOCKS   461156101          93         2400 SH
  INVESTORS TITLE INS CO           COMMON STOCKS   461804106         221        15624 SH
  INVESTORS TITLE INS CO           COMMON STOCKS   461804106         110         7812 SH
  JANUS                            MUTUAL FUNDS-EQ 471023101         281         7103 PRN
  JANUS                            MUTUAL FUNDS-EQ 471023101         398        10054 PRN
  JANUS                            MUTUAL FUNDS-IN 471023309         908        16570 PRN
  JANUS                            MUTUAL FUNDS-IN 471023309         436         7953 PRN
  JEFFERSON PILOT CORP             COMMON STOCKS   475070108        4913        77753 SH
  JEFFERSON PILOT CORP             COMMON STOCKS   475070108        2705        42802 SH
  JOHNSON & JOHNSON                COMMON STOCKS   478160104        3764        40965 SH
  JOHNSON & JOHNSON                COMMON STOCKS   478160104        1392        15150 SH
  JOHNSON & JOHNSON                COMMON STOCKS   478160104          37          400 SH
  JOHNSON CONTROLS                 COMMON STOCKS   478366107           8          115 SH
  JOHNSON CONTROLS                 COMMON STOCKS   478366107         255         3840 SH
  KANSAS CITY SOUTHN INDS INC      COMMON STOCKS   485170104         558        12000 SH
  KANSAS CITY SOUTHN INDS INC      COMMON STOCKS   485170104         837        18000 SH
  KELLOGG CO                       COMMON STOCKS   487836108         423        11292 SH
  KENAN TRANS CO                   COMMON STOCKS   488539107         273         8760 SH
  KEYCORP NEW                      COMMON STOCKS   493267108         573        22210 SH
  KEYCORP NEW                      COMMON STOCKS   493267108         158         6124 SH
  KIMBERLY CLARK CORP              COMMON STOCKS   494368103         318         6020 SH
  KIMBERLY CLARK CORP              COMMON STOCKS   494368103          79         1500 SH
  KROGER CO                        COMMON STOCKS   501044101         224        10150 SH
  LEXMARK INTL GROUP INC CL A      COMMON STOCKS   529771107        2555        31735 SH
  LEXMARK INTL GROUP INC CL A      COMMON STOCKS   529771107          60          750 SH
  ELI LILLY                        COMMON STOCKS   532457108        1427        22228 SH
  ELI LILLY                        COMMON STOCKS   532457108          16          250 SH
  LINCARE HLD INC                  COMMON STOCKS   532791100         315        11800 SH
  LINCARE HLD INC                  COMMON STOCKS   532791100          24          900 SH
  LINCOLN ELECTRIC HOLDINGS        COMMON STOCKS   533900106         804        38525 SH
  LINCOLN ELECTRIC HOLDINGS        COMMON STOCKS   533900106         236        11325 SH
  LOCKHEED MARTIN CORP             COMMON STOCKS   539830109         530        16204 SH
  LOOMIS SAYLES                    MUTUAL FUNDS-FI 543487607        4722       403562 PRN
  LOOMIS SAYLES                    MUTUAL FUNDS-FI 543487607           3          260 PRN
  LOWES COS INC                    COMMON STOCKS   548661107        3524        72282 SH
  LOWES COS INC                    COMMON STOCKS   548661107          24          500 SH
  LUCENT TECHNOLOGIES INC          COMMON STOCKS   549463107        5142        79266 SH
  LUCENT TECHNOLOGIES INC          COMMON STOCKS   549463107           8          116 SH
  LUCENT TECHNOLOGIES INC          COMMON STOCKS   549463107        1053        16228 SH
  LUCENT TECHNOLOGIES INC          COMMON STOCKS   549463107          52          800 SH
  MBIA INC                         COMMON STOCKS   55262C100         233         5000 SH
  MCI WORLDCOM                     COMMON STOCKS   55268B106        4825        67137 SH
  MCI WORLDCOM                     COMMON STOCKS   55268B106         539         7501 SH
  MFS                              CLOSED END FUND 55273C107        3806       597047 PRN
  MFS SER TR III HIGH INCOME FD    MUTUAL FUNDS-FI 552984601        4795       962770 PRN
  MFS SER TR III HIGH INCOME FD    MUTUAL FUNDS-FI 552984601         612       122819 PRN
  MMC NETWORKS INC                 COMMON STOCKS   55308N102         212         6800 SH
  MTS SYS CORP                     COMMON STOCKS   553777103          47         4500 SH
  MTS SYS CORP                     COMMON STOCKS   553777103          93         9000 SH
  MACROMEDIA INC                   COMMON STOCKS   556100105           8          200 SH
  MACROMEDIA INC                   COMMON STOCKS   556100105         218         5326 SH
  MARSH & MCLENNAN COS INC         COMMON STOCKS   571748102         825        12042 SH
  MARSH & MCLENNAN COS INC         COMMON STOCKS   571748102         206         3000 SH
  MARTIN MARIETTA MATERIALS, INC.  COMMON STOCKS   573284106        1279        32018 SH
  MARTIN MARIETTA MATERIALS, INC.  COMMON STOCKS   573284106         216         5400 SH
  MFS                              MUTUAL FUNDS-EQ 575719406        2814       162774 PRN
  MFS                              MUTUAL FUNDS-EQ 575719406           2          103 PRN
  MATTEL INC                       COMMON STOCKS   577081102         167         8768 SH
  MATTEL INC                       COMMON STOCKS   577081102          54         2828 SH
  MCDONALDS CORP                   COMMON STOCKS   580135101        1413        32660 SH
  MCDONALDS CORP                   COMMON STOCKS   580135101         195         4500 SH
  MCGRAW HILL INC                  COMMON STOCKS   580645109         926        19135 SH
  MCGRAW HILL INC                  COMMON STOCKS   580645109          44          900 SH
  MEDIAONE GROUP INC               COMMON STOCKS   58440J104         712        10416 SH
  MEDIAONE GROUP INC               COMMON STOCKS   58440J104         106         1546 SH
  MEDSCAPE INC                     COMMON STOCKS   585046105         478        49000 SH
  MEDSCAPE INC                     COMMON STOCKS   585046105          10         1000 SH
  MEDTRONIC INC                    COMMON STOCKS   585055106        3606       101406 SH
  MEDTRONIC INC                    COMMON STOCKS   585055106        4909       138034 SH
  MERCK & CO INC                   COMMON STOCKS   589331107        8796       135712 SH
  MERCK & CO INC                   COMMON STOCKS   589331107        2690        41500 SH
  MERCK & CO INC                   COMMON STOCKS   589331107          32          500 SH
  MICROSOFT CORP                   COMMON STOCKS   594918104        6352        70140 SH
  MICROSOFT CORP                   COMMON STOCKS   594918104        2092        23100 SH
  MIDAMERICAN ENERGY HLDGS CO      COMMON STOCKS   59562V107          69         2325 SH
  MIDAMERICAN ENERGY HLDGS CO      COMMON STOCKS   59562V107         322        10900 SH
  MILACRON, INC.                   COMMON STOCKS   598709103         226        12750 SH
  MILACRON, INC.                   COMMON STOCKS   598709103         135         7600 SH
  MINNESOTA MNG & MFG CO           COMMON STOCKS   604059105         653         6800 SH
  MINNESOTA MNG & MFG CO           COMMON STOCKS   604059105         427         4450 SH
  MOBIL CORP                       COMMON STOCKS   607059102        2171        21550 SH
  MOBIL CORP                       COMMON STOCKS   607059102         591         5866 SH
  MODINE MFG                       COMMON STOCKS   607828100         459        19700 SH
  MODINE MFG                       COMMON STOCKS   607828100         114         4900 SH
  MONSANTO CO                      COMMON STOCKS   611662107        1456        40805 SH
  MONSANTO CO                      COMMON STOCKS   611662107          45         1260 SH
  MORGAN J P & CO INC              COMMON STOCKS   616880100         667         5840 SH
  MORGAN J P & CO INC              COMMON STOCKS   616880100          23          200 SH
  MORGAN J P & CO INC              COMMON STOCKS   616880100          23          200 SH
  MORGAN ST DEAN WITTER            COMMON STOCKS   617446448         875         9814 SH
  MORGAN ST DEAN WITTER            COMMON STOCKS   617446448         216         2425 SH
  MORGAN STANLEY INSTITUTIONAL FD  MUTUAL FUNDS-IN 61744J408        9668       481955 PRN
  MORGAN STANLEY INSTITUTIONAL FD  MUTUAL FUNDS-IN 61744J408        1578        78686 PRN
  MORGAN STANLEY DEAN WITTER       CLOSED END FUND 61745P106         206        25000 PRN
  MOTOROLA INC                     COMMON STOCKS   620076109        1764        20049 SH
  MOTOROLA INC                     COMMON STOCKS   620076109         890        10118 SH
  FEDERATED                        MUTUAL FUNDS-FI 625922810       28923      2791766 PRN
  FEDERATED                        MUTUAL FUNDS-FI 625922810        2996       289201 PRN
  MUTUAL RISK MANAGEMENT LTD       COMMON STOCKS   628351108          24         1934 SH
  MUTUAL RISK MANAGEMENT LTD       COMMON STOCKS   628351108         123        10064 SH
  FRANKLIN                         MUTUAL FUNDS-EQ 628380206         227        13337 PRN
  NACCO INDUSTRIES                 COMMON STOCKS   629579103        1731        24775 SH
  NACCO INDUSTRIES                 COMMON STOCKS   629579103         517         7400 SH
  NATIONAL CITY CORP               COMMON STOCKS   635405103         216         8106 SH
  NEXTEL COMMUNICATIONS            COMMON STOCKS   65332V103         685        10100 SH
  NORFOLK SOUTHERN CORP            COMMON STOCKS   655844108        1579        64450 SH
  NORFOLK SOUTHERN CORP            COMMON STOCKS   655844108         193         7885 SH
  NORTEL NETWORKS CORP             COMMON STOCKS   656569100        1375        26970 SH
  NORTEL NETWORKS CORP             COMMON STOCKS   656569100          20          400 SH
  OAKWOOD HOMES CORP               COMMON STOCKS   674098108          19         4300 SH
  OAKWOOD HOMES CORP               COMMON STOCKS   674098108          59        13200 SH
  OFFICE DEPOT INC                 COMMON STOCKS   676220106        1156       110095 SH
  OFFICE DEPOT INC                 COMMON STOCKS   676220106          18         1750 SH
  OFFICEMAX INC                    COMMON STOCKS   67622M108         635       109250 SH
  OFFICEMAX INC                    COMMON STOCKS   67622M108         212        36500 SH
  OLD REP INTL CORP                COMMON STOCKS   680223104         279        19348 SH
  OMNICOM GROUP INC COM            COMMON STOCKS   681919106         317         4000 SH
  OPTICAL COATING LABS INC         COMMON STOCKS   683829105         746         8100 SH
  ORACLE SYSTEMS                   COMMON STOCKS   68389X105        3532        77623 SH
  ORACLE SYSTEMS                   COMMON STOCKS   68389X105         569        12512 SH
  ORACLE SYSTEMS                   COMMON STOCKS   68389X105          34          750 SH
  ORLANDO FLA WASTE WTR SYS REV    MUNICIPAL BONDS 686516GZ2         321       325000 PRN
  PIMCO                            MUTUAL FUNDS-FI 693390700        4330       430434 PRN
  PIMCO                            MUTUAL FUNDS-FI 693390700           3          308 PRN
  PNC BANK CORP                    COMMON STOCKS   693475105         920        17466 SH
  PNC BANK CORP                    COMMON STOCKS   693475105         227         4300 SH
  PACIFIC CAPITAL                  MUTUAL FUNDS-FI 694048208         585        56751 PRN
  PACIFIC CAPITAL                  MUTUAL FUNDS-EQ 694048505        1361        75969 PRN
  INVESTMENT GRADE MUNI INCOME FD  CLOSED END FUND 695931204         850           17 PRN
  PALL CORP                        COMMON STOCKS   696429307         325        14000 SH
  PALM BEACH CNTY FLA HEALTH FACS  MUNICIPAL BONDS 696507MH2         321       300000 PRN
  PEOPLES BANK                     COMMON STOCKS   710198102        2311        97825 SH
  PEOPLES BANK                     COMMON STOCKS   710198102         210         8875 SH
  PEOPLES BANK                     COMMON STOCKS   710198102          12          500 SH
  PEPSICO INC                      COMMON STOCKS   713448108        2890        94744 SH
  PEPSICO INC                      COMMON STOCKS   713448108        1436        47086 SH
  PETROLEUM & RES CORP             COMMON STOCKS   716549100        1814        53662 SH
  PETROLEUM & RES CORP             COMMON STOCKS   716549100         890        26310 SH
  PFIZER INC                       COMMON STOCKS   717081103        8715       242923 SH
  PFIZER INC                       COMMON STOCKS   717081103        3115        86840 SH
  PFIZER INC                       COMMON STOCKS   717081103          32          900 SH
  PHILADELPHIA SUBN CORP           COMMON STOCKS   718009608         298        12665 SH
  PHILADELPHIA SUBN CORP           COMMON STOCKS   718009608          94         4000 SH
  PHILIP MORRIS COS INC            COMMON STOCKS   718154107        3689       107891 SH
  PHILIP MORRIS COS INC            COMMON STOCKS   718154107         853        24950 SH
  PHILLIPS PETE CO                 COMMON STOCKS   718507106         257         5263 SH
  PIEDMONT NAT GAS INC             COMMON STOCKS   720186105         500        16505 SH
  PIEDMONT NAT GAS INC             COMMON STOCKS   720186105         108         3554 SH
  PITNEY-BOWES INC                 COMMON STOCKS   724479100        1710        28062 SH
  PITNEY-BOWES INC                 COMMON STOCKS   724479100         399         6550 SH
  PLANTRONICS INC                  COMMON STOCKS   727493108          50         1000 SH
  PLANTRONICS INC                  COMMON STOCKS   727493108         418         8400 SH
  PRECISION CASTPARTS CORP         COMMON STOCKS   740189105         419        13750 SH
  PRECISION CASTPARTS CORP         COMMON STOCKS   740189105          58         1900 SH
  PRICE (T.ROWE) ASSOCIATES        COMMON STOCKS   741477103         680        24800 SH
  PRICE (T.ROWE) ASSOCIATES        COMMON STOCKS   741477103         466        17000 SH
  PROCTER & GAMBLE CO              COMMON STOCKS   742718109        3295        35143 SH
  PROCTER & GAMBLE CO              COMMON STOCKS   742718109         244         2600 SH
  PROVIDIAN FINANCIAL CORP         COMMON STOCKS   74406A102       13725       173319 SH
  PROVIDIAN FINANCIAL CORP         COMMON STOCKS   74406A102        2526        31896 SH
  PRUDENTIAL MUNICIPAL BOND FD     MUTUAL FUNDS-FI 74435L103         226        21198 PRN
  PUBLIC SVC CO N C INC            COMMON STOCKS   744516105         409        13310 SH
  PUTNAM                           CLOSED END FUND 746909100         173        26930 PRN
  QUINTILES TRANSNATIONAL CORP     COMMON STOCKS   748767100         822        43200 SH
  QUINTILES TRANSNATIONAL CORP     COMMON STOCKS   748767100          29         1500 SH
  QWEST COMMUNICATIONS INTL        COMMON STOCKS   749121109         615        20800 SH
  QWEST COMMUNICATIONS INTL        COMMON STOCKS   749121109           3          100 SH
  RF MICRO DEVICES                 COMMON STOCKS   749941100         549        12000 SH
  RAYTHEON CO                      COMMON STOCKS   755111408         362         7290 SH
  RAYTHEON CO                      COMMON STOCKS   755111408         314         6320 SH
  RELIASTAR FINL CORP              COMMON STOCKS   75952U103         681        20485 SH
  RELIASTAR FINL CORP              COMMON STOCKS   75952U103         153         4600 SH
  ROCKWELL INTL CORP NEW           COMMON STOCKS   773903109          86         1645 SH
  ROCKWELL INTL CORP NEW           COMMON STOCKS   773903109         380         7232 SH
  T ROWE PRICE                     MUTUAL FUNDS-EQ 779556109        2556        72709 PRN
  T ROWE PRICE                     MUTUAL FUNDS-EQ 779556109          68         1926 PRN
  T ROWE PRICE                     MUTUAL FUNDS-FI 779570100          84        10064 PRN
  T ROWE PRICE                     MUTUAL FUNDS-FI 779570100          31         3683 PRN
  T. ROWE PRICE                    MUTUAL FUNDS-EQ 779572106        1012        47745 PRN
  T. ROWE PRICE                    MUTUAL FUNDS-EQ 779572106           0           28 PRN
  T ROWE PRICE SMALL-CAP VALUE     MUTUAL FUNDS-EQ 77957Q103        1434        76796 PRN
  T ROWE PRICE SMALL-CAP VALUE     MUTUAL FUNDS-EQ 77957Q103          87         4642 PRN
  ROYAL DUTCH PETE CO              COMMON STOCKS   780257804        1510        25568 SH
  ROYAL DUTCH PETE CO              COMMON STOCKS   780257804         230         3900 SH
  RUDDICK CORP                     COMMON STOCKS   781258108         899        56600 SH
  RUDDICK CORP                     COMMON STOCKS   781258108         248        15650 SH
  RYANS FAMILY STEAK HOUSES INC    COMMON STOCKS   783519101         656        72900 SH
  RYANS FAMILY STEAK HOUSES INC    COMMON STOCKS   783519101         239        26500 SH
  SBC COMMUNICATIONS INC           COMMON STOCKS   78387G103        2785        54539 SH
  SBC COMMUNICATIONS INC           COMMON STOCKS   78387G103         857        16784 SH
  SBC COMMUNICATIONS INC           COMMON STOCKS   78387G103          40          782 SH
  S&P 500 DEPOSITORY RECEIPT       COMMON STOCKS   78462F103        2117        16442 SH
  ST PAUL COS INC                  COMMON STOCKS   792860108         531        19315 SH
  ST PAUL COS INC                  COMMON STOCKS   792860108          28         1000 SH
  SARA LEE CORP                    COMMON STOCKS   803111103         205         8790 SH
  SARA LEE CORP                    COMMON STOCKS   803111103         131         5600 SH
  SCHERING PLOUGH CORP             COMMON STOCKS   806605101         795        18224 SH
  SCHERING PLOUGH CORP             COMMON STOCKS   806605101         146         3352 SH
  SCHLUMBERGER LTD                 COMMON STOCKS   806857108        2580        41404 SH
  SCHLUMBERGER LTD                 COMMON STOCKS   806857108         414         6650 SH
  SCUDDER                          MUTUAL FUNDS-FI 811236207         120        10952 PRN
  SELIGMAN                         MUTUAL FUNDS-EQ 816332100         187        12558 PRN
  SEQUOIA                          MUTUAL FUNDS-EQ 817418106        3114        24342 PRN
  SERVICE CORP INTL                COMMON STOCKS   817565104        1081       102300 SH
  SERVICE CORP INTL                COMMON STOCKS   817565104         185        17500 SH
  SONOCO PRODS CO                  COMMON STOCKS   835495102        1146        50249 SH
  SONOCO PRODS CO                  COMMON STOCKS   835495102         194         8490 SH
  SOUTHERN CAPITAL TRUST I         PREFERRED STOCK 842542201          95        10000 SH
  SOUTHERN CO                      COMMON STOCKS   842587107         230         8950 SH
  SOUTHERN CO                      COMMON STOCKS   842587107          24          920 SH
  SOUTHERN CO                      COMMON STOCKS   842587107          21          832 SH
  SPRINT CORP                      COMMON STOCKS   852061100        2215        40830 SH
  SPRINT CORP                      COMMON STOCKS   852061100         988        18216 SH
  SPRINT CORP                      COMMON STOCKS   852061506         358         4803 SH
  SPRINT CORP                      COMMON STOCKS   852061506         331         4443 SH
  STAPLES INC                      COMMON STOCKS   855030102        1706        78212 SH
  STAPLES INC                      COMMON STOCKS   855030102         355        16275 SH
  STARWOOD HOTELS & RESORTS        COMMON STOCKS   85590A203         149         6674 SH
  STARWOOD HOTELS & RESORTS        COMMON STOCKS   85590A203         105         4700 SH
  STATE STREET CORP                COMMON STOCKS   857477103         388         6000 SH
  STONE STREET BANCORP INC         COMMON STOCKS   861747103         367        18693 SH
  STRONG                           MUTUAL FUNDS-FI 863344107        1142       111306 PRN
  STRYKER CORP                     COMMON STOCKS   863667101        1025        20050 SH
  STRYKER CORP                     COMMON STOCKS   863667101        2137        41800 SH
  SUN MICROSYSTEMS INC             COMMON STOCKS   866810104        1360        14620 SH
  SUN MICROSYSTEMS INC             COMMON STOCKS   866810104          41          438 SH
  SUNGARD DATA SYSTEMS INC         COMMON STOCKS   867363103        1436        54590 SH
  SUNGARD DATA SYSTEMS INC         COMMON STOCKS   867363103          50         1900 SH
  SUNTRUST BANKS INC               COMMON STOCKS   867914103        1019        15504 SH
  SUNTRUST BANKS INC               COMMON STOCKS   867914103         383         5822 SH
  SYMANTEC CORP                    COMMON STOCKS   871503108        1768        49150 SH
  SYMANTEC CORP                    COMMON STOCKS   871503108         389        10825 SH
  SYNOVUS FINL CORP                COMMON STOCKS   87161C105        2650       141825 SH
  SYNOVUS FINL CORP                COMMON STOCKS   87161C105         919        49177 SH
  SYSTEMAX INC                     COMMON STOCKS   871851101        1121       133800 SH
  SYSTEMAX INC                     COMMON STOCKS   871851101         464        55350 SH
  TECO ENERGY INC                  COMMON STOCKS   872375100         821        38878 SH
  TECO ENERGY INC                  COMMON STOCKS   872375100         250        11835 SH
  TANDY CORP                       COMMON STOCKS   875382103         227         4400 SH
  TANDY CORP                       COMMON STOCKS   875382103          16          300 SH
  TELLABS, INC                     COMMON STOCKS   879664100         894        15700 SH
  TELLABS, INC                     COMMON STOCKS   879664100         279         4900 SH
  TENN VALLEY AUTHORITY            PREFERRED STOCK 880591300        1937        83750 SH
  TEXACO INC                       COMMON STOCKS   881694103         539         8538 SH
  TEXACO INC                       COMMON STOCKS   881694103         284         4500 SH
  TEXACO INC                       COMMON STOCKS   881694103          13          203 SH
  THOMAS & BETTS CORP              COMMON STOCKS   884315102          20          400 SH
  THOMAS & BETTS CORP              COMMON STOCKS   884315102         367         7200 SH
  3COM CORP                        COMMON STOCKS   885535104          15          513 SH
  3COM CORP                        COMMON STOCKS   885535104         707        24600 SH
  TIDEWATER INC                    COMMON STOCKS   886423102        1567        61450 SH
  TIDEWATER INC                    COMMON STOCKS   886423102         500        19600 SH
  TOSCO CORP                       COMMON STOCKS   891490302         856        33895 SH
  TOSCO CORP                       COMMON STOCKS   891490302          10          400 SH
  TOWER AUTOMOTIVE INC             COMMON STOCKS   891707101        1615        81520 SH
  TOWER AUTOMOTIVE INC             COMMON STOCKS   891707101          93         4700 SH
  TRANSWITCH CORP                  COMMON STOCKS   894065101         222         3900 SH
  TRI CONTL CORP                   CLOSED END FUND 895436103        9456       323297 PRN
  TRI CONTL CORP                   CLOSED END FUND 895436103         467        15963 PRN
  TRIANGLE BANCORP INC             COMMON STOCKS   895835106         628        33961 SH
  TRIANGLE BANCORP INC             COMMON STOCKS   895835106          24         1312 SH
  TRICON GLOBAL RESTAURANTS        COMMON STOCKS   895953107         199         4864 SH
  TRICON GLOBAL RESTAURANTS        COMMON STOCKS   895953107         155         3780 SH
  OAK VALUE FD                     MUTUAL FUNDS-EQ 900733106         434        18554 PRN
  TYCO INTERNATIONAL LTD           COMMON STOCKS   902124106        5329        51617 SH
  TYCO INTERNATIONAL LTD           COMMON STOCKS   902124106         464         4495 SH
  UST INC                          COMMON STOCKS   902911106         788        26105 SH
  UNILEVER N V NEW YORK SHS        COMMON STOCKS   904784709          33          490 SH
  UNILEVER N V NEW YORK SHS        COMMON STOCKS   904784709         341         5000 SH
  UNITED                           MUTUAL FUNDS-FI 910450204         111        18330 PRN
  U S WEST INC                     COMMON STOCKS   91273H101        1453        25455 SH
  U S WEST INC                     COMMON STOCKS   91273H101         320         5601 SH
  UNITED STATES TREASURY           U.S. OBLIGATION 912827X23         685       685000 PRN
  U.S. TRUST CORP                  COMMON STOCKS   91288L105         151         1881 SH
  U.S. TRUST CORP                  COMMON STOCKS   91288L105         302         3763 SH
  UNITED TECHNOLOGIES CORP         COMMON STOCKS   913017109        1891        31889 SH
  UNITED TECHNOLOGIES CORP         COMMON STOCKS   913017109          83         1400 SH
  UNIVERSAL HEALTH SVCS INC        COMMON STOCKS   913903100          16          600 SH
  UNIVERSAL HEALTH SVCS INC        COMMON STOCKS   913903100         471        18200 SH
  UNOCAL CORP                      COMMON STOCKS   915289102         220         5940 SH
  UNUMPROVIDENT CORP               COMMON STOCKS   91529Y106         897        30472 SH
  VAN KAMP MUNI INC TR             AUCTION RATE PR 920909405        1500            3 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 921910105        4290       112440 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 921910105         191         4994 PRN
  VANGUARD                         MUTUAL FUNDS-FI 921937108         209        21491 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 922018205         152         5359 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 922018205          86         3044 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031208          38         5208 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031208         573        77810 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031307        4591       458689 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031307           3          311 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031604         379        37957 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031703         212        20997 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922907209         244        18878 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 922908108        3973        33516 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 922908108        2367        19968 PRN
  VODAFONE GROUP PLC-SPONS ADR     COMMON STOCKS   92857T107         374         1571 SH
  VODAFONE GROUP PLC-SPONS ADR     COMMON STOCKS   92857T107         249         1048 SH
  VODAFONE GROUP PLC-SPONS ADR     COMMON STOCKS   92857T107          30          127 SH
  WACHOVIA CORP                    COMMON STOCKS   929771103        1314        16712 SH
  WACHOVIA CORP                    COMMON STOCKS   929771103        1536        19536 SH
  WAL-MART STORES                  COMMON STOCKS   931142103         396         8320 SH
  WAL-MART STORES                  COMMON STOCKS   931142103          71         1500 SH
  WALGREEN CO                      COMMON STOCKS   931422109         497        19590 SH
  WALGREEN CO                      COMMON STOCKS   931422109         178         7000 SH
  WALLACE COMPUTER SERVICES INC    COMMON STOCKS   932270101         221        10925 SH
  WARNER LAMBERT CO                COMMON STOCKS   934488107        4144        62438 SH
  WARNER LAMBERT CO                COMMON STOCKS   934488107          13          200 SH
  WASHINGTON MUTUAL INC            COMMON STOCKS   939322103        1203        41138 SH
  WASHINGTON MUTUAL INC            COMMON STOCKS   939322103          75         2560 SH
  WASHINGTON POST CO               COMMON STOCKS   939640108         612         1200 SH
  WATSON PHARMACEUTICAL INC        COMMON STOCKS   942683103        1551        50755 SH
  WATSON PHARMACEUTICAL INC        COMMON STOCKS   942683103          12          400 SH
  WELLS FARGO COMPANY              COMMON STOCKS   949746101         846        21350 SH
  WELLS FARGO COMPANY              COMMON STOCKS   949746101         222         5600 SH
  WEST MARINE INC                  COMMON STOCKS   954235107         523        65350 SH
  WEST MARINE INC                  COMMON STOCKS   954235107         181        22675 SH
  WILLIAMS COS                     COMMON STOCKS   969457100         328         8708 SH
  WILLIAMS COS                     COMMON STOCKS   969457100          26          700 SH
  WINN DIXIE STORES INC            COMMON STOCKS   974280109         206         6942 SH
  WINN DIXIE STORES INC            COMMON STOCKS   974280109         148         5000 SH
  WRIGLEY (WM) JR CO               COMMON STOCKS   982526105         292         4250 SH
  WRIGLEY (WM) JR CO               COMMON STOCKS   982526105         138         2000 SH
  XILINX INC                       COMMON STOCKS   983919101          39          600 SH
  XILINX INC                       COMMON STOCKS   983919101         433         6600 SH
  XEROX CORP                       COMMON STOCKS   984121103        1094        26094 SH
  XEROX CORP                       COMMON STOCKS   984121103         436        10400 SH
  SAP AG-VORZUG NEW (PREFERRED)    PREFERRED STOCK D66992112          91          200 SH
  SAP AG-VORZUG NEW (PREFERRED)    PREFERRED STOCK D66992112        1024         2250 SH
  ROCHE HOLDING                    COMMON STOCKS   H47457728        3285          280 SH
  GILAT SATELLITE NETWORKS LTD     COMMON STOCKS   M51474100          32          600 SH
  GILAT SATELLITE NETWORKS LTD     COMMON STOCKS   M51474100         220         4100 SH
  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                  85500
  AT&T CORP                       DEFINED               135
  AT&T CORP                       OTHER                 11307
  AT&T CORP                       DEF/OTH               749
  AXA FINANCIAL INC               SOLE                  4200
  ABBOTT LABS                     SOLE                  102241
  ABBOTT LABS                     OTHER                 30525
  ROWE CORP                       SOLE                  20000
  AEGON N V                       SOLE                  100829
  AEGON N V                       OTHER                 16822
  ROSEMYR CORP                    SOLE                  6898
  ROSEMYR CORP                    OTHER                 6745
  ALBERTSONS INC                  SOLE                  5300
  ALBERTSONS INC                  OTHER                 24284
  ALLEGHANY CORP                  OTHER                 1317
  ALLEGHENY ENERGY INC            SOLE                  8346
  ALLEGHENY ENERGY INC            OTHER                 1800
  ALLIANCE GROWTH                 SOLE                  5298
  ALLIED SIGNAL INC               SOLE                  47385
  ALLIED SIGNAL INC               OTHER                 12400
  ALLSTATE CORPORATION            SOLE                  4950
  ALLSTATE CORPORATION            SOLE                                            2000
  ALLSTATE CORPORATION            OTHER                 1676
  ALLTEL CORP                     SOLE                  3098
  ALLTEL CORP                     SOLE                                            2500
  ALLTEL CORP                     OTHER                 2771
  ALPHA INDS INC                  OTHER                 3600
  ALTERA CORP                     SOLE                  2800
  ALTERA CORP                     OTHER                 5400
  AMERICAN CENTURY                SOLE                  117417
  AMERICAN CENTURY                OTHER                 76
  AMERICAN ELEC PWR INC           SOLE                  5245
  AMERICAN ELEC PWR INC           SOLE                                            100
  AMERICAN ELEC PWR INC           OTHER                 2318
  AMERICAN GEN CORP               SOLE                  6091
  AMERICAN GEN CORP               OTHER                 5970
  AMERICAN HOME PRODS CORP        SOLE                  137258
  AMERICAN HOME PRODS CORP        SOLE                               175
  AMERICAN HOME PRODS CORP        OTHER                 40475
  AMERICAN INTL GROUP INC         SOLE                  17732
  AMERICAN INTL GROUP INC         SOLE                                            31
  AMERICAN INTL GROUP INC         OTHER                 1025
  AMERITECH CORP                  SOLE                  12720
  AMERITECH CORP                  OTHER                 9824
  AMETEK INC                      SOLE                  47150
  AMETEK INC                      OTHER                 8825
  AMGEN INC                       SOLE                  17850
  AMGEN INC                       SOLE                                            25
  AMGEN INC                       OTHER                 350
  ANHEUSER BUSCH COMPANIES        SOLE                  11300
  ANHEUSER BUSCH COMPANIES        SOLE                                            2000
  ANHEUSER BUSCH COMPANIES        OTHER                 11000
  AON CORP                        SOLE                  7880
  APPLIED MATERIALS               SOLE                  71290
  APPLIED MATERIALS               SOLE                                            350
  APPLIED MATERIALS               OTHER                 12650
  ARCADIA FINANCIAL CORP          SOLE                  15375
  ATLANTIC RICHFIELD              SOLE                  15256
  ATLANTIC RICHFIELD              SOLE                                            24
  ATLANTIC RICHFIELD              OTHER                 3930
  AUTODESK INC.                   SOLE                  67475
  AUTODESK INC.                   OTHER                 8500
  AUTOMATIC DATA PROCESSING INC   SOLE                  41005
  AUTOMATIC DATA PROCESSING INC   SOLE                                            50
  AUTOMATIC DATA PROCESSING INC   OTHER                 880
  AVERY DENNISON CORP             OTHER                 4000
  AVNET INC                       SOLE                  11000
  BB & T CORPORATION              SOLE                  48159
  BP AMOCO PLC                    SOLE                  31208
  BP AMOCO PLC                    OTHER                 5446
  BANDAG INC                      SOLE                  8205
  BANDAG INC                      OTHER                 1175
  BANK OF AMERICA CORP            SOLE                  41497
  BANK OF AMERICA CORP            OTHER                 28642
  BANK OF NEW YORK INC            SOLE                  4400
  BANK OF NEW YORK INC            OTHER                 10800
  BANK ONE CORP                   SOLE                  15873
  BANK ONE CORP                   OTHER                 2003
  BAXTER INTL INC                 SOLE                  3860
  BAXTER INTL INC                 OTHER                 70
  BECKMAN COULTER, INC.           SOLE                  32150
  BECKMAN COULTER, INC.           OTHER                 3500
  BED BATH & BEYOND               SOLE                  14293
  BED BATH & BEYOND               OTHER                 1400
  BELL ATLANTIC CORP              SOLE                  21812
  BELL ATLANTIC CORP              SOLE                               400
  BELL ATLANTIC CORP              OTHER                 14028
  BELLSOUTH CORP                  SOLE                  42038
  BELLSOUTH CORP                  SOLE                               800
  BELLSOUTH CORP                  DEFINED               608
  BELLSOUTH CORP                  OTHER                 17136
  BERKSHIRE HATHAWAY INC          SOLE                  1
  BERKSHIRE HATHAWAY INC          OTHER                                           180
  BERKSHIRE HATHAWAY INC          SOLE                  273
  BERKSHIRE HATHAWAY INC          OTHER                 22
  BOEING CO                       SOLE                  16581
  BOEING CO                       OTHER                 13552
  BRANDYWINE FD INC               OTHER                 7314
  BRISTOL MYERS SQUIBB CO         SOLE                  46991
  BRISTOL MYERS SQUIBB CO         SOLE                                            4000
  BRISTOL MYERS SQUIBB CO         OTHER                 12200
  CCB FINL CORP                   SOLE                  1495806
  CCB FINL CORP                   SOLE                                            3541
  CCB FINL CORP                   DEFINED               18400
  CCB FINL CORP                   OTHER                 152986
  CCB FINL CORP                   OTHER                                           34540
  CBRL GROUP INC                  SOLE                  96425
  CBRL GROUP INC                  SOLE                                            200
  CBRL GROUP INC                  OTHER                 25500
  CBS CORP                        SOLE                  8000
  CBS CORP                        OTHER                 100
  CCB                             SOLE                  3302345
  CCB                             OTHER                 327511
  CCB                             OTHER                              3353
  CCB                             OTHER                                           8218
  CSX CORP                        SOLE                  8998
  CSX CORP                        OTHER                 7066
  CAP ONE FINANCIAL CORP          SOLE                  144413
  CAP ONE FINANCIAL CORP          OTHER                 3000
  CAROLINA PWR & LT CO            SOLE                  73430
  CAROLINA PWR & LT CO            OTHER                 3835
  CATERPILLAR TRACTOR CO          SOLE                  5195
  CATERPILLAR TRACTOR CO          OTHER                 800
  CENDANT CORP                    SOLE                  26640
  CENDANT CORP                    OTHER                 1100
  CENTURA BKS INC                 SOLE                  7960
  CENTURA BKS INC                 OTHER                 36960
  CHASE MANHATTAN CORP            SOLE                  5976
  CHASE MANHATTAN CORP            SOLE                                            400
  CHASE MANHATTAN CORP            OTHER                 3508
  CHEVRON CORP                    SOLE                  11670
  CHEVRON CORP                    OTHER                 2816
  CISCO SYSTEMS                   SOLE                  121311
  CISCO SYSTEMS                   SOLE                                            400
  CISCO SYSTEMS                   OTHER                 22100
  CISCO SYSTEMS                   DEF/OTH               1498
  CITIGROUP INC                   SOLE                  24114
  CITIGROUP INC                   OTHER                 26715
  CITIGROUP INC                   OTHER                              150
  CLAYTON HOMES INC               SOLE                  27927
  CLOROX CO                       SOLE                  5200
  CLOROX CO                       OTHER                 700
  COCA COLA CO                    SOLE                  86778
  COCA COLA CO                    OTHER                 5400
  COLGATE PALMOLIVE CO            SOLE                  21592
  COLGATE PALMOLIVE CO            OTHER                 4896
  COMPAQ COMPUTER CORP            SOLE                  80264
  COMPAQ COMPUTER CORP            SOLE                                            300
  COMPAQ COMPUTER CORP            OTHER                 13118
  COMPAQ COMPUTER CORP            DEF/OTH               500
  COMPUTER ASSOC INT'L INC        SOLE                  5975
  COMPUTER SCIENCES CORP          SOLE                  4020
  COMPUTER SCIENCES CORP          OTHER                 4000
  CONE MILLS CORP                 SOLE                  15800
  CONE MILLS CORP                 OTHER                 56942
  CONSOLIDTD STORES               SOLE                  10275
  CONSOLIDTD STORES               OTHER                 7400
  CORNING INC                     SOLE                  3600
  CORPORATE EXPRESS INC           SOLE                  68450
  CORPORATE EXPRESS INC           OTHER                 22675
  DALLAS SEMICONDUCTOR CORP       SOLE                  1700
  DALLAS SEMICONDUCTOR CORP       OTHER                 3600
  DANAHER CORP                    SOLE                  1447
  DANAHER CORP                    OTHER                 9041
  DELHAIZE AMERICA                SOLE                  12043
  DELHAIZE AMERICA                SOLE                                            450
  DELHAIZE AMERICA                OTHER                 464
  DELHAIZE AMERICA                SOLE                  12941
  DELHAIZE AMERICA                SOLE                                            16800
  DELHAIZE AMERICA                OTHER                                           9000
  DIEBOLD INC                     SOLE                  55411
  DIEBOLD INC                     SOLE                                            100
  DIEBOLD INC                     OTHER                 5703
  DISNEY WALT CO                  SOLE                  37363
  DISNEY WALT CO                  SOLE                                            4986
  DISNEY WALT CO                  OTHER                 6900
  DODGE & COX                     SOLE                  4055
  DODGE & COX                     SOLE                  7537
  DOMINION RES INC                SOLE                  3236
  DOMINION RES INC                OTHER                 1849
  DOVER CORP                      SOLE                  23025
  DOW CHEM CO                     SOLE                  11096
  DOW CHEM CO                     OTHER                 1885
  DREYFUS FD                      OTHER                 11711
  DU PONT E I DE NEMOURS & CO     SOLE                  12768
  DU PONT E I DE NEMOURS & CO     OTHER                 17645
  DU PONT E I DE NEMOURS & CO     DEF/OTH               3000
  DUFF & PHELPS UTILS INCOME INC  SOLE                  18300
  DUKE ENERGY CORP                SOLE                  59554
  DUKE ENERGY CORP                SOLE                                            748
  DUKE ENERGY CORP                OTHER                 12126
  DUKE ENERGY CORP                DEF/OTH               906
  EG & G INC                      SOLE                  12800
  EG & G INC                      OTHER                 9000
  EMC CORP                        SOLE                  165808
  EMC CORP                        SOLE                               100
  EMC CORP                        OTHER                 44100
  EASTMAN KODAK CO                SOLE                  8155
  EASTMAN KODAK CO                OTHER                 5175
  EATON CORP                      SOLE                  14400
  EATON CORP                      OTHER                 10500
  EMERSON ELECTRIC CO             SOLE                  2400
  EMERSON ELECTRIC CO             SOLE                                            2320
  EMERSON ELECTRIC CO             OTHER                 4630
  ENRON CORP                      SOLE                  19580
  ENRON CORP                      SOLE                                            10000
  ENRON CORP                      OTHER                 8020
  ENTREMED INC                    SOLE                  9000
  ENTREMED INC                    SOLE                                            304
  EQUITABLE RES INC               OTHER                 6750
  EQUITY INCOME FD                SOLE                  30710
  EQUITY INCOME FD                OTHER                 3800
  EUITY INCOME FUND               OTHER                 26008
  EUITY INCOME FUND               OTHER                 36194
  EXXON CORP                      SOLE                  196172
  EXXON CORP                      SOLE                                            2600
  EXXON CORP                      OTHER                 48824
  FAMILY DLR STORES INC           SOLE                  20900
  FAMILY DLR STORES INC           SOLE                                            7350
  FDX CORPORATION                 SOLE                  43266
  FDX CORPORATION                 OTHER                 14000
  FEDERAL HOME LOAN MORTGAGE CORP SOLE                  6977
  FEDERAL HOME LOAN MORTGAGE CORP DEF/OTH               500
  FEDERAL NATIONAL MORTGAGE ASSN  SOLE                  61018
  FEDERAL NATIONAL MORTGAGE ASSN  SOLE                                            25
  FEDERAL NATIONAL MORTGAGE ASSN  OTHER                 4662
  FEDERAL NATIONAL MORTGAGE ASSN  DEF/OTH               500
  FEDERATED                       SOLE                  124154
  FEDERATED                       OTHER                 22249
  FEDERATED INCOME TRUST          SOLE                  18946
  FEDERATED INCOME TRUST          OTHER                 3485
  FEDERATED                       SOLE                  10921
  FEDERATED                       SOLE                  6786200
  FEDERATED                       SOLE                                            8001
  FEDERATED                       DEFINED               19068
  FEDERATED                       OTHER                 349369
  FEDERATED                       OTHER                              15514
  FEDERATED                       OTHER                                           4909
  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                  33913
  FIDELITY ADV INST EQUITY GROWTH OTHER                 1044
  FIDELITY ADVISOR                SOLE                  6002
  FIDELITY                        SOLE                  3729
  FIDELITY                        OTHER                 5363
  FIRST CITIZENS BCSHS            SOLE                  5070
  FIRST UNION CORP                SOLE                  44790
  FIRST UNION CORP                SOLE                                            1500
  FIRST UNION CORP                OTHER                 4393
  FIRST UNION CORP                DEF/OTH               400
  FLORIDA ST                      SOLE                  300000
  FLOWERS INDS INC                SOLE                  86025
  FLOWERS INDS INC                OTHER                 19000
  FORD MTR CO                     SOLE                  25470
  FORD MTR CO                     SOLE                                            900
  FORD MTR CO                     DEFINED               108
  FORD MTR CO                     OTHER                 4926
  FORTUNE BRANDS INC              SOLE                  22600
  FRANKLIN                        SOLE                  37266
  FRANKLIN                        OTHER                 1383
  FRANKLIN                        SOLE                  23519
  FRANKLIN                        SOLE                  46238
  FRANKLIN                        OTHER                 4128
  FRANKLIN                        SOLE                  51913
  FRANKLIN                        OTHER                 3647
  GTE CORP                        SOLE                  20370
  GTE CORP                        OTHER                 8096
  GALLAHER GROUP PLC ADR          SOLE                  24610
  GANNETT INC                     SOLE                  2250
  GANNETT INC                     OTHER                 1100
  GATEWAY INC                     SOLE                  42100
  GATEWAY INC                     OTHER                 8400
  GENERAL ELEC CO                 SOLE                  173241
  GENERAL ELEC CO                 SOLE                                            25
  GENERAL ELEC CO                 OTHER                 41620
  GENERAL ELEC CO                 OTHER                                           100
  GENERAL ELEC CO                 DEF/OTH               800
  GENERAL MILLS INC               SOLE                  4067
  GENERAL MILLS INC               OTHER                 2500
  GENERAL MTRS CORP               SOLE                  11058
  GENERAL MTRS CORP               DEFINED               60
  GENERAL MTRS CORP               OTHER                 1690
  GENERAL MTRS CORP               SOLE                  1204
  GENERAL MTRS CORP               OTHER                 6950
  GENTEX CORP                     SOLE                  90045
  GENTEX CORP                     SOLE                                            150
  GENTEX CORP                     OTHER                 2000
  GENLYTE GROUP INC               SOLE                  13135
  GENLYTE GROUP INC               OTHER                 11300
  GENUINE PARTS CO                SOLE                  9814
  GEORGIA PAC CORP                SOLE                  4488
  GEORGIA PAC CORP                OTHER                 3900
  GERBER SCIENTIFIC INC           SOLE                  7775
  GERBER SCIENTIFIC INC           OTHER                 11350
  GILLETTE CO                     SOLE                  38847
  GILLETTE CO                     SOLE                                            4884
  GILLETTE CO                     OTHER                 3300
  GLAXO PLC SPONSORED ADR         SOLE                  7994
  GLAXO PLC SPONSORED ADR         SOLE                                            2300
  GLAXO PLC SPONSORED ADR         OTHER                 2000
  GLOBAL MARINE INC               SOLE                  18875
  GLOBAL MARINE INC               OTHER                 700
  GOLDMAN SACHS                   SOLE                  73960
  GOLDMAN SACHS                   OTHER                 6062
  GOLDMAN SACHS                   SOLE                  150421
  GOLDMAN SACHS                   OTHER                 17141
  GOODYEAR TIRE & RUBR CO         SOLE                  16625
  GOODYEAR TIRE & RUBR CO         OTHER                 9600
  GREY ADVERTISING INC            SOLE                  4077
  GREY ADVERTISING INC            OTHER                 1075
  HARBOR                          SOLE                  82630
  HARBOR                          OTHER                 899
  HARRIS CORP                     SOLE                  53050
  HARRIS CORP                     OTHER                 14175
  HEINZ H J CO                    SOLE                  41239
  HEINZ H J CO                    OTHER                 6900
  HEINZ H J CO                    DEF/OTH               450
  HEWLETT PACKARD CO              SOLE                  32740
  HEWLETT PACKARD CO              OTHER                 12750
  HEWLETT PACKARD CO              DEF/OTH               500
  HOME DEPOT INC                  SOLE                  19899
  HOME DEPOT INC                  OTHER                 2778
  HONEYWELL INC                   SOLE                  8791
  HONEYWELL INC                   OTHER                 2038
  HOUSEHOLD INTL INC              SOLE                  47620
  HOUSEHOLD INTL INC              SOLE                                            550
  HOUSEHOLD INTL INC              OTHER                 800
  HUBBELL HARVEY INC              SOLE                  25629
  HUBBELL HARVEY INC              SOLE                                            4700
  HUBBELL HARVEY INC              OTHER                 2552
  HUTTON TEL TR UNIT 1ST TAX FREE SOLE                  31855
  IDG BOOKS WORLDWIDE INC         SOLE                  20000
  IHOP CORP                       SOLE                  52700
  INGERSOLL RAND CO               SOLE                  15532
  INGERSOLL RAND CO               SOLE                                            100
  INGERSOLL RAND CO               OTHER                 11925
  INTEL CORP                      SOLE                  165388
  INTEL CORP                      OTHER                 95274
  IBM CORP                        SOLE                  28516
  IBM CORP                        SOLE                                            2800
  IBM CORP                        OTHER                 17852
  IBM CORP                        OTHER                                           200
  INTERNATIONAL PAPER CO          SOLE                  5068
  INTERNATIONAL PAPER CO          SOLE                                            2000
  INTERNATIONAL PAPER CO          OTHER                 4220
  INTERPUBLIC GROUP               SOLE                  19240
  INTERPUBLIC GROUP               OTHER                 400
  SCUDDER                         SOLE                  48981
  SCUDDER                         OTHER                 2423
  SCUDDER                         OTHER                              6
  INTIMATE BRANDS                 SOLE                  26216
  INTIMATE BRANDS                 OTHER                 2400
  INVESTORS TITLE INS CO          SOLE                  15624
  INVESTORS TITLE INS CO          OTHER                 7812
  JANUS                           SOLE                  7103
  JANUS                           OTHER                 10054
  JANUS                           SOLE                  14997
  JANUS                           SOLE                                            1573
  JANUS                           OTHER                 7953
  JEFFERSON PILOT CORP            SOLE                  77753
  JEFFERSON PILOT CORP            OTHER                 42802
  JOHNSON & JOHNSON               SOLE                  37465
  JOHNSON & JOHNSON               SOLE                                            3500
  JOHNSON & JOHNSON               OTHER                 15150
  JOHNSON & JOHNSON               DEF/OTH               400
  JOHNSON CONTROLS                SOLE                  115
  JOHNSON CONTROLS                DEFINED               3840
  KANSAS CITY SOUTHN INDS INC     SOLE                  12000
  KANSAS CITY SOUTHN INDS INC     OTHER                 18000
  KELLOGG CO                      SOLE                  11292
  KENAN TRANS CO                  SOLE                  8760
  KEYCORP NEW                     SOLE                  22210
  KEYCORP NEW                     OTHER                 6124
  KIMBERLY CLARK CORP             SOLE                  5920
  KIMBERLY CLARK CORP             SOLE                                            100
  KIMBERLY CLARK CORP             OTHER                 1500
  KROGER CO                       SOLE                  10150
  LEXMARK INTL GROUP INC CL A     SOLE                  31685
  LEXMARK INTL GROUP INC CL A     SOLE                                            50
  LEXMARK INTL GROUP INC CL A     OTHER                 750
  ELI LILLY                       SOLE                  22203
  ELI LILLY                       SOLE                                            25
  ELI LILLY                       OTHER                 250
  LINCARE HLD INC                 SOLE                  11800
  LINCARE HLD INC                 OTHER                 900
  LINCOLN ELECTRIC HOLDINGS       SOLE                  38525
  LINCOLN ELECTRIC HOLDINGS       OTHER                 11325
  LOCKHEED MARTIN CORP            SOLE                  16204
  LOOMIS SAYLES                   SOLE                  393026
  LOOMIS SAYLES                   SOLE                                            10536
  LOOMIS SAYLES                   OTHER                 260
  LOWES COS INC                   SOLE                  68032
  LOWES COS INC                   SOLE                                            4250
  LOWES COS INC                   OTHER                 500
  LUCENT TECHNOLOGIES INC         SOLE                  79266
  LUCENT TECHNOLOGIES INC         DEFINED               116
  LUCENT TECHNOLOGIES INC         OTHER                 16228
  LUCENT TECHNOLOGIES INC         DEF/OTH               800
  MBIA INC                        SOLE                  1000
  MBIA INC                        SOLE                                            4000
  MCI WORLDCOM                    SOLE                  66987
  MCI WORLDCOM                    SOLE                               100
  MCI WORLDCOM                    SOLE                                            50
  MCI WORLDCOM                    OTHER                 7501
  MFS                             SOLE                  597047
  MFS SER TR III HIGH INCOME FD   SOLE                  962770
  MFS SER TR III HIGH INCOME FD   OTHER                 122819
  MMC NETWORKS INC                OTHER                 6800
  MTS SYS CORP                    SOLE                  4500
  MTS SYS CORP                    OTHER                 9000
  MACROMEDIA INC                  SOLE                  200
  MACROMEDIA INC                  OTHER                 5326
  MARSH & MCLENNAN COS INC        SOLE                  12042
  MARSH & MCLENNAN COS INC        OTHER                 3000
  MARTIN MARIETTA MATERIALS, INC. SOLE                  31958
  MARTIN MARIETTA MATERIALS, INC. SOLE                                            60
  MARTIN MARIETTA MATERIALS, INC. OTHER                 5400
  MFS                             SOLE                  162774
  MFS                             OTHER                 103
  MATTEL INC                      SOLE                  8768
  MATTEL INC                      OTHER                 2828
  MCDONALDS CORP                  SOLE                  32660
  MCDONALDS CORP                  OTHER                 4500
  MCGRAW HILL INC                 SOLE                  19085
  MCGRAW HILL INC                 SOLE                                            50
  MCGRAW HILL INC                 OTHER                 900
  MEDIAONE GROUP INC              SOLE                  10416
  MEDIAONE GROUP INC              OTHER                 1546
  MEDSCAPE INC                    SOLE                  49000
  MEDSCAPE INC                    OTHER                 1000
  MEDTRONIC INC                   SOLE                  101406
  MEDTRONIC INC                   OTHER                 138034
  MERCK & CO INC                  SOLE                  130512
  MERCK & CO INC                  SOLE                                            5200
  MERCK & CO INC                  OTHER                 41500
  MERCK & CO INC                  DEF/OTH               500
  MICROSOFT CORP                  SOLE                  70140
  MICROSOFT CORP                  OTHER                 22900
  MICROSOFT CORP                  OTHER                                           200
  MIDAMERICAN ENERGY HLDGS CO     SOLE                  2325
  MIDAMERICAN ENERGY HLDGS CO     OTHER                 10900
  MILACRON, INC.                  SOLE                  12550
  MILACRON, INC.                  SOLE                                            200
  MILACRON, INC.                  OTHER                 7600
  MINNESOTA MNG & MFG CO          SOLE                  6800
  MINNESOTA MNG & MFG CO          OTHER                 4450
  MOBIL CORP                      SOLE                  18550
  MOBIL CORP                      SOLE                                            3000
  MOBIL CORP                      OTHER                 5866
  MODINE MFG                      SOLE                  19700
  MODINE MFG                      OTHER                 4900
  MONSANTO CO                     SOLE                  40730
  MONSANTO CO                     SOLE                                            75
  MONSANTO CO                     OTHER                 1260
  MORGAN J P & CO INC             SOLE                  5840
  MORGAN J P & CO INC             OTHER                 200
  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                  480453
  MORGAN STANLEY INSTITUTIONAL FD SOLE                               481
  MORGAN STANLEY INSTITUTIONAL FD SOLE                                            1021
  MORGAN STANLEY INSTITUTIONAL FD OTHER                 78686
  MORGAN STANLEY DEAN WITTER      SOLE                  25000
  MOTOROLA INC                    SOLE                  16200
  MOTOROLA INC                    SOLE                                            3849
  MOTOROLA INC                    OTHER                 10118
  FEDERATED                       SOLE                  2783287
  FEDERATED                       SOLE                                            8479
  FEDERATED                       OTHER                 289201
  MUTUAL RISK MANAGEMENT LTD      SOLE                  1934
  MUTUAL RISK MANAGEMENT LTD      OTHER                 10064
  FRANKLIN                        SOLE                  13337
  NACCO INDUSTRIES                SOLE                  24775
  NACCO INDUSTRIES                OTHER                 7400
  NATIONAL CITY CORP              SOLE                  5906
  NATIONAL CITY CORP              SOLE                                            2200
  NEXTEL COMMUNICATIONS           SOLE                  10100
  NORFOLK SOUTHERN CORP           SOLE                  64450
  NORFOLK SOUTHERN CORP           OTHER                 7885
  NORTEL NETWORKS CORP            SOLE                  26870
  NORTEL NETWORKS CORP            SOLE                                            100
  NORTEL NETWORKS CORP            OTHER                 400
  OAKWOOD HOMES CORP              SOLE                  4300
  OAKWOOD HOMES CORP              OTHER                 13200
  OFFICE DEPOT INC                SOLE                  109983
  OFFICE DEPOT INC                SOLE                                            112
  OFFICE DEPOT INC                OTHER                 1750
  OFFICEMAX INC                   SOLE                  109250
  OFFICEMAX INC                   OTHER                 36500
  OLD REP INTL CORP               SOLE                  19348
  OMNICOM GROUP INC COM           SOLE                                            4000
  OPTICAL COATING LABS INC        OTHER                 8100
  ORACLE SYSTEMS                  SOLE                  73173
  ORACLE SYSTEMS                  SOLE                                            4450
  ORACLE SYSTEMS                  OTHER                 12512
  ORACLE SYSTEMS                  DEF/OTH               750
  ORLANDO FLA WASTE WTR SYS REV   SOLE                  325000
  PIMCO                           SOLE                  430434
  PIMCO                           OTHER                 308
  PNC BANK CORP                   SOLE                  17466
  PNC BANK CORP                   OTHER                 4300
  PACIFIC CAPITAL                 SOLE                  56751
  PACIFIC CAPITAL                 SOLE                  75969
  INVESTMENT GRADE MUNI INCOME FD SOLE                  17
  PALL CORP                       SOLE                  14000
  PALM BEACH CNTY FLA HEALTH FACS SOLE                  300000
  PEOPLES BANK                    SOLE                  97825
  PEOPLES BANK                    OTHER                 8875
  PEOPLES BANK                    DEF/OTH               500
  PEPSICO INC                     SOLE                  86744
  PEPSICO INC                     SOLE                                            8000
  PEPSICO INC                     OTHER                 47086
  PETROLEUM & RES CORP            SOLE                  53662
  PETROLEUM & RES CORP            OTHER                 26310
  PFIZER INC                      SOLE                  242848
  PFIZER INC                      SOLE                                            75
  PFIZER INC                      OTHER                 86840
  PFIZER INC                      DEF/OTH               900
  PHILADELPHIA SUBN CORP          SOLE                  12665
  PHILADELPHIA SUBN CORP          OTHER                 4000
  PHILIP MORRIS COS INC           SOLE                  104891
  PHILIP MORRIS COS INC           SOLE                                            3000
  PHILIP MORRIS COS INC           OTHER                 24950
  PHILLIPS PETE CO                SOLE                  4263
  PHILLIPS PETE CO                SOLE                                            1000
  PIEDMONT NAT GAS INC            SOLE                  16505
  PIEDMONT NAT GAS INC            OTHER                 3554
  PITNEY-BOWES INC                SOLE                  28062
  PITNEY-BOWES INC                OTHER                 6550
  PLANTRONICS INC                 SOLE                  1000
  PLANTRONICS INC                 OTHER                 8400
  PRECISION CASTPARTS CORP        SOLE                  13750
  PRECISION CASTPARTS CORP        OTHER                 1900
  PRICE (T.ROWE) ASSOCIATES       SOLE                  24800
  PRICE (T.ROWE) ASSOCIATES       OTHER                 17000
  PROCTER & GAMBLE CO             SOLE                  35143
  PROCTER & GAMBLE CO             OTHER                 2600
  PROVIDIAN FINANCIAL CORP        SOLE                  173319
  PROVIDIAN FINANCIAL CORP        OTHER                 31896
  PRUDENTIAL MUNICIPAL BOND FD    DEFINED               21198
  PUBLIC SVC CO N C INC           SOLE                  13310
  PUTNAM                          SOLE                  26930
  QUINTILES TRANSNATIONAL CORP    SOLE                  43200
  QUINTILES TRANSNATIONAL CORP    OTHER                 1500
  QWEST COMMUNICATIONS INTL       SOLE                  20800
  QWEST COMMUNICATIONS INTL       OTHER                 100
  RF MICRO DEVICES                OTHER                 12000
  RAYTHEON CO                     SOLE                  7290
  RAYTHEON CO                     OTHER                 6320
  RELIASTAR FINL CORP             SOLE                  20485
  RELIASTAR FINL CORP             OTHER                 4600
  ROCKWELL INTL CORP NEW          SOLE                  1645
  ROCKWELL INTL CORP NEW          OTHER                 7232
  T ROWE PRICE                    SOLE                  71591
  T ROWE PRICE                    SOLE                                            1118
  T ROWE PRICE                    OTHER                 1926
  T ROWE PRICE                    SOLE                  10064
  T ROWE PRICE                    OTHER                 3683
  T. ROWE PRICE                   SOLE                  47745
  T. ROWE PRICE                   OTHER                 28
  T ROWE PRICE SMALL-CAP VALUE    SOLE                  74657
  T ROWE PRICE SMALL-CAP VALUE    SOLE                                            2139
  T ROWE PRICE SMALL-CAP VALUE    OTHER                 4642
  ROYAL DUTCH PETE CO             SOLE                  25518
  ROYAL DUTCH PETE CO             SOLE                                            50
  ROYAL DUTCH PETE CO             OTHER                 3900
  RUDDICK CORP                    SOLE                  54600
  RUDDICK CORP                    SOLE                                            2000
  RUDDICK CORP                    OTHER                 15650
  RYANS FAMILY STEAK HOUSES INC   SOLE                  72900
  RYANS FAMILY STEAK HOUSES INC   OTHER                 26500
  SBC COMMUNICATIONS INC          SOLE                  54539
  SBC COMMUNICATIONS INC          OTHER                 16784
  SBC COMMUNICATIONS INC          DEF/OTH               782
  S&P 500 DEPOSITORY RECEIPT      SOLE                  16442
  ST PAUL COS INC                 SOLE                  19315
  ST PAUL COS INC                 OTHER                 1000
  SARA LEE CORP                   SOLE                  8790
  SARA LEE CORP                   OTHER                 5600
  SCHERING PLOUGH CORP            SOLE                  18224
  SCHERING PLOUGH CORP            OTHER                 3352
  SCHLUMBERGER LTD                SOLE                  37279
  SCHLUMBERGER LTD                SOLE                                            4125
  SCHLUMBERGER LTD                OTHER                 6650
  SCUDDER                         SOLE                  10952
  SELIGMAN                        SOLE                  12558
  SEQUOIA                         OTHER                                           24342
  SERVICE CORP INTL               SOLE                  100300
  SERVICE CORP INTL               SOLE                                            2000
  SERVICE CORP INTL               OTHER                 17500
  SONOCO PRODS CO                 SOLE                  50249
  SONOCO PRODS CO                 OTHER                 8490
  SOUTHERN CAPITAL TRUST I        OTHER                 10000
  SOUTHERN CO                     SOLE                  8950
  SOUTHERN CO                     OTHER                 920
  SOUTHERN CO                     DEF/OTH               832
  SPRINT CORP                     SOLE                  40730
  SPRINT CORP                     SOLE                                            100
  SPRINT CORP                     OTHER                 18216
  SPRINT CORP                     SOLE                  4803
  SPRINT CORP                     OTHER                 4443
  STAPLES INC                     SOLE                  78112
  STAPLES INC                     SOLE                                            100
  STAPLES INC                     OTHER                 16275
  STARWOOD HOTELS & RESORTS       SOLE                  6674
  STARWOOD HOTELS & RESORTS       OTHER                 4700
  STATE STREET CORP               OTHER                 6000
  STONE STREET BANCORP INC        SOLE                  18693
  STRONG                          SOLE                  101016
  STRONG                          SOLE                                            10290
  STRYKER CORP                    SOLE                  20050
  STRYKER CORP                    OTHER                 41800
  SUN MICROSYSTEMS INC            SOLE                  14620
  SUN MICROSYSTEMS INC            OTHER                 438
  SUNGARD DATA SYSTEMS INC        SOLE                  54515
  SUNGARD DATA SYSTEMS INC        SOLE                                            75
  SUNGARD DATA SYSTEMS INC        OTHER                 1900
  SUNTRUST BANKS INC              SOLE                  15504
  SUNTRUST BANKS INC              OTHER                 5822
  SYMANTEC CORP                   SOLE                  49150
  SYMANTEC CORP                   OTHER                 10825
  SYNOVUS FINL CORP               SOLE                  141825
  SYNOVUS FINL CORP               OTHER                 49177
  SYSTEMAX INC                    SOLE                  133800
  SYSTEMAX INC                    OTHER                 55350
  TECO ENERGY INC                 SOLE                  37878
  TECO ENERGY INC                 SOLE                                            1000
  TECO ENERGY INC                 OTHER                 11835
  TANDY CORP                      SOLE                  4400
  TANDY CORP                      OTHER                 300
  TELLABS, INC                    SOLE                  15700
  TELLABS, INC                    OTHER                 4900
  TENN VALLEY AUTHORITY           SOLE                  83750
  TEXACO INC                      SOLE                  8538
  TEXACO INC                      OTHER                 4500
  TEXACO INC                      DEF/OTH               203
  THOMAS & BETTS CORP             SOLE                  400
  THOMAS & BETTS CORP             OTHER                 7200
  3COM CORP                       SOLE                  513
  3COM CORP                       OTHER                 24600
  TIDEWATER INC                   SOLE                  61450
  TIDEWATER INC                   OTHER                 19600
  TOSCO CORP                      SOLE                  33795
  TOSCO CORP                      SOLE                                            100
  TOSCO CORP                      OTHER                 400
  TOWER AUTOMOTIVE INC            SOLE                  81420
  TOWER AUTOMOTIVE INC            SOLE                                            100
  TOWER AUTOMOTIVE INC            OTHER                 4700
  TRANSWITCH CORP                 OTHER                 3900
  TRI CONTL CORP                  SOLE                  323297
  TRI CONTL CORP                  OTHER                 15963
  TRIANGLE BANCORP INC            SOLE                  33961
  TRIANGLE BANCORP INC            OTHER                 1312
  TRICON GLOBAL RESTAURANTS       SOLE                  4864
  TRICON GLOBAL RESTAURANTS       OTHER                 3780
  OAK VALUE FD                    OTHER                                           18554
  TYCO INTERNATIONAL LTD          SOLE                  51530
  TYCO INTERNATIONAL LTD          SOLE                               50
  TYCO INTERNATIONAL LTD          SOLE                                            37
  TYCO INTERNATIONAL LTD          OTHER                 4495
  UST INC                         SOLE                  24505
  UST INC                         SOLE                                            1600
  UNILEVER N V NEW YORK SHS       SOLE                  490
  UNILEVER N V NEW YORK SHS       OTHER                 5000
  UNITED                          SOLE                  18330
  U S WEST INC                    SOLE                  25455
  U S WEST INC                    OTHER                 5601
  UNITED STATES TREASURY          SOLE                  685000
  U.S. TRUST CORP                 SOLE                  1881
  U.S. TRUST CORP                 OTHER                 3763
  UNITED TECHNOLOGIES CORP        SOLE                  31839
  UNITED TECHNOLOGIES CORP        SOLE                                            50
  UNITED TECHNOLOGIES CORP        OTHER                 1400
  UNIVERSAL HEALTH SVCS INC       SOLE                  600
  UNIVERSAL HEALTH SVCS INC       OTHER                 18200
  UNOCAL CORP                     SOLE                  5940
  UNUMPROVIDENT CORP              SOLE                  30418
  UNUMPROVIDENT CORP              SOLE                                            54
  VAN KAMP MUNI INC TR            SOLE                  3
  VANGUARD                        SOLE                  109179
  VANGUARD                        SOLE                                            3261
  VANGUARD                        OTHER                 4994
  VANGUARD                        SOLE                  21491
  VANGUARD                        SOLE                  5359
  VANGUARD                        DEF/OTH               3044
  VANGUARD                        SOLE                  5208
  VANGUARD                        OTHER                 77810
  VANGUARD                        SOLE                  458689
  VANGUARD                        OTHER                 311
  VANGUARD                        SOLE                  25494
  VANGUARD                        SOLE                                            12463
  VANGUARD                        SOLE                  20997
  VANGUARD                        OTHER                 18878
  VANGUARD                        SOLE                  32497
  VANGUARD                        SOLE                                            1019
  VANGUARD                        OTHER                 3731
  VANGUARD                        OTHER                                           16237
  VODAFONE GROUP PLC-SPONS ADR    SOLE                  1571
  VODAFONE GROUP PLC-SPONS ADR    OTHER                 1048
  VODAFONE GROUP PLC-SPONS ADR    DEF/OTH               127
  WACHOVIA CORP                   SOLE                  16712
  WACHOVIA CORP                   OTHER                 19536
  WAL-MART STORES                 SOLE                  8320
  WAL-MART STORES                 OTHER                 1500
  WALGREEN CO                     SOLE                  19490
  WALGREEN CO                     SOLE                                            100
  WALGREEN CO                     OTHER                 7000
  WALLACE COMPUTER SERVICES INC   SOLE                  10925
  WARNER LAMBERT CO               SOLE                  62413
  WARNER LAMBERT CO               SOLE                                            25
  WARNER LAMBERT CO               OTHER                 200
  WASHINGTON MUTUAL INC           SOLE                  41038
  WASHINGTON MUTUAL INC           SOLE                                            100
  WASHINGTON MUTUAL INC           OTHER                 2560
  WASHINGTON POST CO              OTHER                                           1200
  WATSON PHARMACEUTICAL INC       SOLE                  50705
  WATSON PHARMACEUTICAL INC       SOLE                                            50
  WATSON PHARMACEUTICAL INC       OTHER                 400
  WELLS FARGO COMPANY             DEFINED               21350
  WELLS FARGO COMPANY             OTHER                 5600
  WEST MARINE INC                 SOLE                  65350
  WEST MARINE INC                 OTHER                 22675
  WILLIAMS COS                    SOLE                  8708
  WILLIAMS COS                    OTHER                 700
  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                  26094
  XEROX CORP                      OTHER                 10400
  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
  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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