CENTRAL CAROLINA BANK & TRUST CO N C
13F-HR, 1999-07-23
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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: 03/31/1999

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.    05/24/1999

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:           632
Form 13F Information Table Value Total:           $ 918,593

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        2173        39922 SH  CALL
  AFLAC INC                        COMMON STOCKS   001055102         555        10200 SH  CALL
  AT&T CORP                        COMMON STOCKS   001957109        4603        57672 SH  CALL
  AT&T CORP                        COMMON STOCKS   001957109           7           90 SH  CALL
  AT&T CORP                        COMMON STOCKS   001957109         642         8038 SH  CALL
  AT&T CORP                        COMMON STOCKS   001957109          40          500 SH  CALL
  ABBOTT LABS                      COMMON STOCKS   002824100        4323        92341 SH  CALL
  ABBOTT LABS                      COMMON STOCKS   002824100        2210        47200 SH  CALL
  ROWE CORP                        CLOSELY HELD CO 006997019         506        20000 SH
  AEGON N V                        COMMON STOCKS   007924103        9594       106753 SH
  AEGON N V                        COMMON STOCKS   007924103        1512        16822 SH
  AIRTOUCH COMMUNICATIONS          COMMON STOCKS   00949T100         289         2996 SH  CALL
  AIRTOUCH COMMUNICATIONS          COMMON STOCKS   00949T100         217         2245 SH  CALL
  AIRTOUCH COMMUNICATIONS          COMMON STOCKS   00949T100          25          255 SH  CALL
  ROSEMYR CORP                     CLOSELY HELD CO 009990011         766         6898 SH
  ALBERTSONS INC                   COMMON STOCKS   013104104         305         5600 SH  CALL
  ALBERTSONS INC                   COMMON STOCKS   013104104          82         1500 SH  CALL
  ALLEGHANY CORP                   COMMON STOCKS   017175100          77          419 SH  CALL
  ALLEGHANY CORP                   COMMON STOCKS   017175100         238         1292 SH  CALL
  ALLEGHENY ENERGY INC             COMMON STOCKS   017361106         226         7646 SH
  ALLEGHENY ENERGY INC             COMMON STOCKS   017361106          83         2800 SH
  ALLIANCE PORTFOLIOS GROWTH FD    MUTUAL FUNDS-EQ 01877F401         276         5298 PRN
  ALLIED SIGNAL INC                COMMON STOCKS   019512102        2301        46785 SH  CALL
  ALLIED SIGNAL INC                COMMON STOCKS   019512102         635        12900 SH  CALL
  ALLSTATE CORPORATION             COMMON STOCKS   020002101         214         5763 SH  CALL
  ALLTEL CORP                      COMMON STOCKS   020039103         369         5919 SH  CALL
  ALLTEL CORP                      COMMON STOCKS   020039103         154         2475 SH  CALL
  ALTERA CORP                      COMMON STOCKS   021441100          77         1300 SH  CALL
  ALTERA CORP                      COMMON STOCKS   021441100         161         2700 SH  CALL
  AMERICAN CENTURY                 MUTUAL FUNDS-EQ 02507M600        1861        82656 PRN
  AMERICAN ELEC PWR INC            COMMON STOCKS   025537101         246         6206 SH  CALL
  AMERICAN ELEC PWR INC            COMMON STOCKS   025537101          76         1918 SH  CALL
  AMERICAN GEN CORP                COMMON STOCKS   026351106         467         6631 SH  CALL
  AMERICAN GEN CORP                COMMON STOCKS   026351106         421         5970 SH  CALL
  AMERICAN HOME PRODS CORP         COMMON STOCKS   026609107        8239       126268 SH  CALL
  AMERICAN HOME PRODS CORP         COMMON STOCKS   026609107        3383        51850 SH  CALL
  AMERICAN INTL GROUP INC          COMMON STOCKS   026874107         500         4146 SH  CALL
  AMERICAN STORES CO               COMMON STOCKS   030096101        1214        36800 SH  CALL
  AMERITECH CORP                   COMMON STOCKS   030954101         733        12720 SH  CALL
  AMERITECH CORP                   COMMON STOCKS   030954101         507         8792 SH  CALL
  AMETEK INC                       COMMON STOCKS   031100100         556        30475 SH
  AMETEK INC                       COMMON STOCKS   031100100         374        20500 SH
  AMGEN INC                        COMMON STOCKS   031162100         353         4710 SH  CALL
  AMP INC                          COMMON STOCKS   031897101         871        16275 SH  CALL
  AMP INC                          COMMON STOCKS   031897101          80         1500 SH  CALL
  ANHEUSER BUSCH COMPANIES         COMMON STOCKS   035229103         709         9310 SH  CALL
  ANHEUSER BUSCH COMPANIES         COMMON STOCKS   035229103         914        12000 SH  CALL
  AON CORP                         COMMON STOCKS   037389103         368         5818 SH  CALL
  APPLIED MATERIALS                COMMON STOCKS   038222105        3370        54630 SH  CALL
  APPLIED MATERIALS                COMMON STOCKS   038222105        1123        18200 SH  CALL
  ARCADIA FINANCIAL CORP           COMMON STOCKS   039101100          73        15375 SH
  ASCEND COMMUNICATIONS            COMMON STOCKS   043491109         251         3000 SH  CALL
  ASSOCIATES FIRST CAPITAL - A     COMMON STOCKS   046008108         165         3661 SH
  ASSOCIATES FIRST CAPITAL - A     COMMON STOCKS   046008108          45          992 SH
  ATLANTIC RICHFIELD               COMMON STOCKS   048825103        1108        15156 SH  CALL
  ATLANTIC RICHFIELD               COMMON STOCKS   048825103         309         4230 SH  CALL
  AUTOMATIC DATA PROCESSING INC    COMMON STOCKS   053015103         719        17370 SH  CALL
  AUTOMATIC DATA PROCESSING INC    COMMON STOCKS   053015103          33          800 SH  CALL
  AVERY DENNISON CORP              COMMON STOCKS   053611109         230         4000 SH  CALL
  AVNET INC                        COMMON STOCKS   053807103         405        11007 SH  CALL
  BB & T CORPORATION               COMMON STOCKS   054937107        1681        46464 SH
  BP AMOCO PLC                     COMMON STOCKS   055622104        3399        33649 SH
  BP AMOCO PLC                     COMMON STOCKS   055622104         668         6618 SH
  BANDAG INC                       COMMON STOCKS   059815308         190         7980 SH  CALL
  BANDAG INC                       COMMON STOCKS   059815308          36         1500 SH  CALL
  BANK OF NEW YORK INC             COMMON STOCKS   064057102         169         4700 SH  CALL
  BANK OF NEW YORK INC             COMMON STOCKS   064057102         381        10600 SH  CALL
  BANK ONE CORP                    COMMON STOCKS   06423A103        1377        25014 SH
  BANK ONE CORP                    COMMON STOCKS   06423A103          88         1603 SH
  BANKAMERICA CORP                 COMMON STOCKS   06605F102        1759        24900 SH
  BANKAMERICA CORP                 COMMON STOCKS   06605F102        1939        27455 SH
  BAXTER INTL INC                  COMMON STOCKS   071813109         255         3860 SH  CALL
  BAXTER INTL INC                  COMMON STOCKS   071813109          13          200 SH  CALL
  BECKMAN COULTER, INC.            COMMON STOCKS   075811109        1168        26400 SH
  BECKMAN COULTER, INC.            COMMON STOCKS   075811109         409         9250 SH
  BECTON DICKINSON & CO            COMMON STOCKS   075887109         357         9330 SH  CALL
  BED BATH & BEYOND                COMMON STOCKS   075896100         451        12343 SH  CALL
  BED BATH & BEYOND                COMMON STOCKS   075896100          37         1000 SH  CALL
  BELL ATLANTIC CORP               COMMON STOCKS   077853109        1180        22820 SH  CALL
  BELL ATLANTIC CORP               COMMON STOCKS   077853109         707        13676 SH  CALL
  BELLSOUTH CORP                   COMMON STOCKS   079860102        1711        42704 SH  CALL
  BELLSOUTH CORP                   COMMON STOCKS   079860102          24          608 SH  CALL
  BELLSOUTH CORP                   COMMON STOCKS   079860102         564        14078 SH  CALL
  BERKSHIRE HATHAWAY INC           COMMON STOCKS   084670108       12852          180 SH  CALL
  BERKSHIRE HATHAWAY INC           COMMON STOCKS   084670207         642          273 SH
  BERKSHIRE HATHAWAY INC           COMMON STOCKS   084670207          52           22 SH
  BESTFOODS, INC.                  COMMON STOCKS   08658U101         197         4200 SH
  BESTFOODS, INC.                  COMMON STOCKS   08658U101          42          900 SH
  BLACK BOX CORP                   COMMON STOCKS   091826107        1612        52015 SH
  BLACK BOX CORP                   COMMON STOCKS   091826107         845        27250 SH
  BLOCK H & R INC                  COMMON STOCKS   093671105         204         4300 SH  CALL
  BOEING CO                        COMMON STOCKS   097023105         630        18542 SH  CALL
  BOEING CO                        COMMON STOCKS   097023105         461        13552 SH  CALL
  BRANDYWINE FD INC                MUTUAL FUNDS-EQ 10532D107         327        10517 PRN
  BRANDYWINE FD INC                MUTUAL FUNDS-EQ 10532D107         227         7314 PRN
  BRISTOL MYERS SQUIBB CO          COMMON STOCKS   110122108        3161        49298 SH  CALL
  BRISTOL MYERS SQUIBB CO          COMMON STOCKS   110122108         782        12200 SH  CALL
  CCB FINL CORP                    COMMON STOCKS   124875105       81956      1515956 SH  CALL
  CCB FINL CORP                    COMMON STOCKS   124875105         995        18400 SH  CALL
  CCB FINL CORP                    COMMON STOCKS   124875105       12203       225718 SH  CALL
  CBRL GROUP INC                   COMMON STOCKS   12489V106        1061        58925 SH
  CBRL GROUP INC                   COMMON STOCKS   12489V106         448        24900 SH
  CCB                              MUTUAL FUNDS-FI 12500E109       28785      2652951 PRN
  CCB                              MUTUAL FUNDS-FI 12500E109        2717       250393 PRN
  CCB                              MUTUAL FUNDS-FI 12500E208       73985      7281972 PRN
  CCB                              MUTUAL FUNDS-FI 12500E208         205        20225 PRN
  CCB                              MUTUAL FUNDS-FI 12500E208        3601       354473 PRN
  CCB                              MUTUAL FUNDS-EQ 12500E307       76375      3408076 PRN
  CCB                              MUTUAL FUNDS-EQ 12500E307        7993       356693 PRN
  CSX CORP                         COMMON STOCKS   126408103         402        10328 SH  CALL
  CSX CORP                         COMMON STOCKS   126408103         353         9066 SH  CALL
  CAP ONE FINANCIAL CORP           COMMON STOCKS   14040H105        7055        46721 SH  CALL
  CAP ONE FINANCIAL CORP           COMMON STOCKS   14040H105         121          800 SH  CALL
  CAROLINA PWR & LT CO             COMMON STOCKS   144141108        1518        40135 SH  CALL
  CAROLINA PWR & LT CO             COMMON STOCKS   144141108         124         3280 SH  CALL
  CATERPILLAR TRACTOR CO           COMMON STOCKS   149123101         220         4795 SH  CALL
  CATERPILLAR TRACTOR CO           COMMON STOCKS   149123101          74         1600 SH  CALL
  CENDANT CORP                     COMMON STOCKS   151313103         242        15201 SH
  CENTURA BKS INC                  COMMON STOCKS   15640T100         779        13385 SH  CALL
  CENTURA BKS INC                  COMMON STOCKS   15640T100        2151        36960 SH  CALL
  CHASE MANHATTAN CORP             COMMON STOCKS   16161A108         153         1883 SH  CALL
  CHASE MANHATTAN CORP             COMMON STOCKS   16161A108         334         4102 SH  CALL
  CHEVRON CORP                     COMMON STOCKS   166751107         915        10308 SH  CALL
  CHEVRON CORP                     COMMON STOCKS   166751107         142         1600 SH  CALL
  CISCO SYSTEMS                    COMMON STOCKS   17275R102        5671        51756 SH  CALL
  CISCO SYSTEMS                    COMMON STOCKS   17275R102         937         8550 SH  CALL
  CISCO SYSTEMS                    COMMON STOCKS   17275R102          82          749 SH  CALL
  CITIGROUP INC                    COMMON STOCKS   172967101         876        13710 SH
  CITIGROUP INC                    COMMON STOCKS   172967101        1070        16744 SH
  CLAYTON HOMES INC                COMMON STOCKS   184190106         316        28552 SH  CALL
  CLOROX CO                        COMMON STOCKS   189054109         281         2400 SH  CALL
  COCA COLA CO                     COMMON STOCKS   191216100        5360        87325 SH  CALL
  COCA COLA CO                     COMMON STOCKS   191216100         331         5400 SH  CALL
  COEUR D ALENE MINES CORP         COMMON STOCKS   192108108           2          520 SH  CALL
  COEUR D ALENE MINES CORP         COMMON STOCKS   192108108          64        15606 SH  CALL
  COLGATE PALMOLIVE CO             COMMON STOCKS   194162103        1147        12471 SH  CALL
  COLGATE PALMOLIVE CO             COMMON STOCKS   194162103         225         2448 SH  CALL
  COLUMBIA/HCA HEALTHCARE CORP     COMMON STOCKS   197677107         103         5453 SH  CALL
  COLUMBIA/HCA HEALTHCARE CORP     COMMON STOCKS   197677107         102         5400 SH  CALL
  COMPAQ COMPUTER CORP             COMMON STOCKS   204493100        3444       108681 SH  CALL
  COMPAQ COMPUTER CORP             COMMON STOCKS   204493100         302         9518 SH  CALL
  COMPAQ COMPUTER CORP             COMMON STOCKS   204493100          16          500 SH  CALL
  COMPUTER ASSOC INT'L INC         COMMON STOCKS   204912109         232         6535 SH  CALL
  COMPUTER SCIENCES CORP           COMMON STOCKS   205363104         212         3850 SH  CALL
  COMPUTER SCIENCES CORP           COMMON STOCKS   205363104         199         3600 SH  CALL
  CONE MILLS CORP                  COMMON STOCKS   206814105          48         9800 SH  CALL
  CONE MILLS CORP                  COMMON STOCKS   206814105         307        62942 SH  CALL
  CONSOLIDATED NAT GAS CO          COMMON STOCKS   209615103         184         3782 SH  CALL
  CONSOLIDATED NAT GAS CO          COMMON STOCKS   209615103          49         1000 SH  CALL
  CONSOLIDATED NAT GAS CO          COMMON STOCKS   209615103          29          600 SH  CALL
  CONSOLIDTD STORES                COMMON STOCKS   210149100         293         9675 SH
  CONSOLIDTD STORES                COMMON STOCKS   210149100         224         7400 SH
  CORPORATE EXPRESS INC            COMMON STOCKS   219888104         548       105625 SH
  CORPORATE EXPRESS INC            COMMON STOCKS   219888104         189        36500 SH
  DALLAS SEMICONDUCTOR CORP        COMMON STOCKS   235204104          35          900 SH  CALL
  DALLAS SEMICONDUCTOR CORP        COMMON STOCKS   235204104         170         4400 SH  CALL
  DANAHER CORP                     COMMON STOCKS   235851102         115         2196 SH
  DANAHER CORP                     COMMON STOCKS   235851102         548        10488 SH
  DIAL CORP                        COMMON STOCKS   25247D101         196         5692 SH  CALL
  DIAL CORP                        COMMON STOCKS   25247D101          14          400 SH  CALL
  DIEBOLD INC                      COMMON STOCKS   253651103        1539        64126 SH  CALL
  DIEBOLD INC                      COMMON STOCKS   253651103         192         7988 SH  CALL
  DISNEY WALT CO                   COMMON STOCKS   254687106        1515        48674 SH  CALL
  DISNEY WALT CO                   COMMON STOCKS   254687106         215         6900 SH  CALL
  DODGE & COX                      MUTUAL FUNDS-BA 256201104         206         3137 PRN
  DODGE & COX                      MUTUAL FUNDS-EQ 256219106        1089        11693 PRN
  DOVER CORP                       COMMON STOCKS   260003108         626        19034 SH  CALL
  DOW CHEM CO                      COMMON STOCKS   260543103         957        10271 SH  CALL
  DOW CHEM CO                      COMMON STOCKS   260543103         278         2985 SH  CALL
  DREYFUS FD                       MUTUAL FUNDS-EQ 262003106         136        11264 PRN
  DU PONT E I DE NEMOURS & CO      COMMON STOCKS   263534109         709        12218 SH  CALL
  DU PONT E I DE NEMOURS & CO      COMMON STOCKS   263534109        1001        17245 SH  CALL
  DU PONT E I DE NEMOURS & CO      COMMON STOCKS   263534109         174         3000 SH  CALL
  DUFF & PHELPS UTILS INCOME INC   CLOSED END FUND 264324104         197        18300 PRN
  DUKE ENERGY CORP                 COMMON STOCKS   264399106        2857        52115 SH  CALL
  DUKE ENERGY CORP                 COMMON STOCKS   264399106         918        16754 SH  CALL
  DUKE ENERGY CORP                 COMMON STOCKS   264399106          50          906 SH  CALL
  DUN & BRADSTREET CORP            COMMON STOCKS   26483B106         209         5875 SH
  DUN & BRADSTREET CORP            COMMON STOCKS   26483B106          57         1600 SH
  EG & G INC                       COMMON STOCKS   268457108         156         5900 SH  CALL
  EG & G INC                       COMMON STOCKS   268457108         422        16000 SH  CALL
  EMC CORP                         COMMON STOCKS   268648102        8506        66584 SH  CALL
  EMC CORP                         COMMON STOCKS   268648102        4050        31700 SH  CALL
  EASTMAN KODAK CO                 COMMON STOCKS   277461109         532         8325 SH  CALL
  EASTMAN KODAK CO                 COMMON STOCKS   277461109         438         6850 SH  CALL
  EATON CORP                       COMMON STOCKS   278058102         901        12600 SH  CALL
  EATON CORP                       COMMON STOCKS   278058102         872        12200 SH  CALL
  EMERSON ELECTRIC CO              COMMON STOCKS   291011104         286         5410 SH  CALL
  EMERSON ELECTRIC CO              COMMON STOCKS   291011104         264         4980 SH  CALL
  ENRON CORP                       COMMON STOCKS   293561106         975        15174 SH  CALL
  ENRON CORP                       COMMON STOCKS   293561106         290         4510 SH  CALL
  ENTERGY CORP                     COMMON STOCKS   29364G103         231         8410 SH  CALL
  EQUITABLE COMPANIES INC          COMMON STOCKS   29444G107         312         4450 SH  CALL
  EQUITY INCOME FD                 COMMON STOCKS   294700703        4912        27710 SH  CALL
  EQUITY INCOME FD                 COMMON STOCKS   294700703        1205         6800 SH  CALL
  EXXON CORP                       COMMON STOCKS   302290101       13874       196615 SH  CALL
  EXXON CORP                       COMMON STOCKS   302290101        3800        53856 SH  CALL
  FAMILY DLR STORES INC            COMMON STOCKS   307000109         481        20900 SH  CALL
  FDX CORPORATION                  COMMON STOCKS   31304N107        1603        17233 SH
  FDX CORPORATION                  COMMON STOCKS   31304N107        1070        11500 SH
  FEDERAL HOME LOAN MORTGAGE CORP  COMMON STOCKS   313400301         308         5377 SH  CALL
  FEDERAL HOME LOAN MORTGAGE CORP  COMMON STOCKS   313400301          29          500 SH  CALL
  FEDERAL NATIONAL MORTGAGE ASSN   COMMON STOCKS   313586109        3878        55993 SH  CALL
  FEDERAL NATIONAL MORTGAGE ASSN   COMMON STOCKS   313586109         378         5462 SH  CALL
  FEDERAL NATIONAL MORTGAGE ASSN   COMMON STOCKS   313586109          35          500 SH  CALL
  FEDERATED                        MUTUAL FUNDS-FI 314184102        1838       162838 PRN
  FEDERATED                        MUTUAL FUNDS-FI 314184102         257        22795 PRN
  FEDERATED HIGH YIELD             MUTUAL FUNDS-FI 314197104        1540       171091 PRN
  FEDERATED HIGH YIELD             MUTUAL FUNDS-FI 314197104         650        72181 PRN
  FEDERATED INCOME TRUST           MUTUAL FUNDS-FI 314199100         381        36929 PRN
  FEDERATED INCOME TRUST           MUTUAL FUNDS-FI 314199100          36         3485 PRN
  FEDERATED                        MUTUAL FUNDS-FI 31420C209         213        24589 PRN
  FEDERATED SHORT INTER MUN TR SH  MUTUAL FUNDS-FI 314280108          59         5733 PRN
  FEDERATED SHORT INTER MUN TR SH  MUTUAL FUNDS-FI 314280108         165        15973 PRN
  FEDERATED US GOVT SEC            MUTUAL FUNDS-FI 31428P103         201        18728 PRN
  FIDELITY ADV INST EQUITY GROWTH  MUTUAL FUNDS-EQ 315805101        2139        34343 PRN
  FIDELITY ADV INST EQUITY GROWTH  MUTUAL FUNDS-EQ 315805101          65         1044 PRN
  FIDELITY ADVISOR                 MUTUAL FUNDS-EQ 315807883         275         5546 PRN
  FIDELITY                         MUTUAL FUNDS-IN 316145101         355        11624 PRN
  FIDELITY                         MUTUAL FUNDS-IN 316145101         239         7842 PRN
  1ST CHARTER CORP                 COMMON STOCKS   319439105         261        13747 SH  CALL
  FIRST UNION CORP                 COMMON STOCKS   337358105        2671        49988 SH  CALL
  FIRST UNION CORP                 COMMON STOCKS   337358105         256         4793 SH  CALL
  FIRST UNION CORP                 COMMON STOCKS   337358105          21          400 SH  CALL
  1ST VA BKS INC                   COMMON STOCKS   337477103         206         4500 SH  CALL
  FLORIDA ST                       MUNICIPAL BONDS 341596FU3         304       300000 PRN
  FOOD LION INC                    COMMON STOCKS   344775101         230        25533 SH  CALL
  FOOD LION INC                    COMMON STOCKS   344775101         243        27000 SH  CALL
  FOOD LION INC                    COMMON STOCKS   344775200         277        30083 SH  CALL
  FOOD LION INC                    COMMON STOCKS   344775200           9         1000 SH  CALL
  FORD MTR CO                      COMMON STOCKS   345370100        1230        21698 SH  CALL
  FORD MTR CO                      COMMON STOCKS   345370100           6          108 SH  CALL
  FORD MTR CO                      COMMON STOCKS   345370100         547         9656 SH  CALL
  FORTUNE BRANDS INC               COMMON STOCKS   349631101         886        23000 SH
  FRANKLIN                         MUTUAL FUNDS-EQ 35251D103        1428        56577 PRN
  FRANKLIN                         MUTUAL FUNDS-EQ 35251D103          34         1361 PRN
  FRANKLIN                         MUTUAL FUNDS-FI 353496300          53        23519 PRN
  FRANKLIN                         MUTUAL FUNDS-FI 353496607         175        25589 PRN
  FRANKLIN                         MUTUAL FUNDS-EQ 354713109        1426        62056 PRN
  FRANKLIN                         MUTUAL FUNDS-EQ 354713109          94         4105 PRN
  FRANKLIN                         MUTUAL FUNDS-FI 354723793         445        36696 PRN
  GTE CORP                         COMMON STOCKS   362320103        1422        23503 SH  CALL
  GTE CORP                         COMMON STOCKS   362320103         513         8476 SH  CALL
  GALLAHER GROUP PLC ADR           COMMON STOCKS   363595109         582        24750 SH
  GANNETT INC                      COMMON STOCKS   364730101         164         2600 SH  CALL
  GANNETT INC                      COMMON STOCKS   364730101          69         1100 SH  CALL
  GATEWAY 2000 INC                 COMMON STOCKS   367833100        1392        20300 SH  CALL
  GATEWAY 2000 INC                 COMMON STOCKS   367833100         261         3800 SH  CALL
  GENERAL ELEC CO                  COMMON STOCKS   369604103       18302       165440 SH  CALL
  GENERAL ELEC CO                  COMMON STOCKS   369604103        4759        43020 SH  CALL
  GENERAL ELEC CO                  COMMON STOCKS   369604103          89          800 SH  CALL
  GENERAL MILLS INC                COMMON STOCKS   370334104         343         4534 SH  CALL
  GENERAL MILLS INC                COMMON STOCKS   370334104         181         2400 SH  CALL
  GENERAL MTRS CORP                COMMON STOCKS   370442105         948        10898 SH  CALL
  GENERAL MTRS CORP                COMMON STOCKS   370442105           5           60 SH  CALL
  GENERAL MTRS CORP                COMMON STOCKS   370442105         231         2650 SH  CALL
  GENERAL MTRS CORP                COMMON STOCKS   370442832          61         1204 SH
  GENERAL MTRS CORP                COMMON STOCKS   370442832         351         6950 SH
  GENERAL NUTRITION COMPANIES INC. COMMON STOCKS   37047F103         145        10350 SH  CALL
  GENERAL NUTRITION COMPANIES INC. COMMON STOCKS   37047F103          10          700 SH  CALL
  GENTEX CORP                      COMMON STOCKS   371901109         818        37935 SH
  GENTEX CORP                      COMMON STOCKS   371901109          22         1000 SH
  GENLYTE GROUP INC                COMMON STOCKS   372302109          15          935 SH  CALL
  GENLYTE GROUP INC                COMMON STOCKS   372302109         176        11000 SH  CALL
  GENUINE PARTS CO                 COMMON STOCKS   372460105         143         4951 SH  CALL
  GENUINE PARTS CO                 COMMON STOCKS   372460105         194         6750 SH  CALL
  GEORGIA PAC CORP                 COMMON STOCKS   373298108         182         2454 SH  CALL
  GEORGIA PAC CORP                 COMMON STOCKS   373298108         145         1950 SH  CALL
  GERBER SCIENTIFIC INC            COMMON STOCKS   373730100         157         7775 SH  CALL
  GERBER SCIENTIFIC INC            COMMON STOCKS   373730100         207        10250 SH  CALL
  GILLETTE CO                      COMMON STOCKS   375766102        2444        41111 SH  CALL
  GILLETTE CO                      COMMON STOCKS   375766102         113         1900 SH  CALL
  GLAXO PLC SPONSORED ADR          COMMON STOCKS   37733W105         696        10396 SH  CALL
  GLAXO PLC SPONSORED ADR          COMMON STOCKS   37733W105         134         2000 SH  CALL
  GLOBAL DIRECTMAIL CORP           COMMON STOCKS   379321102         853        50900 SH
  GLOBAL DIRECTMAIL CORP           COMMON STOCKS   379321102         536        32000 SH
  GLOBAL MARINE INC                COMMON STOCKS   379352404         338        28775 SH  CALL
  GLOBAL MARINE INC                COMMON STOCKS   379352404          87         7400 SH  CALL
  GOLDMAN SACHS                    MUTUAL FUNDS-FI 38141W208         887        91408 PRN
  GOLDMAN SACHS                    MUTUAL FUNDS-FI 38141W208          59         6062 PRN
  GOLDMAN SACHS                    MUTUAL FUNDS-FI 38141W307        1668       170857 PRN
  GOLDMAN SACHS                    MUTUAL FUNDS-FI 38141W307         169        17296 PRN
  GOODYEAR TIRE & RUBR CO          COMMON STOCKS   382550101         843        16925 SH  CALL
  GOODYEAR TIRE & RUBR CO          COMMON STOCKS   382550101         498        10000 SH  CALL
  GREY ADVERTISING INC             COMMON STOCKS   397838103        1423         4102 SH
  GREY ADVERTISING INC             COMMON STOCKS   397838103         607         1750 SH
  HARBOR                           MUTUAL FUNDS-EQ 411511504        3457        81199 PRN
  HARBOR                           MUTUAL FUNDS-EQ 411511504          85         1995 PRN
  OAKMARK FUND                     MUTUAL FUNDS-EQ 413838103         203         5708 PRN
  HARRIS CORP                      COMMON STOCKS   413875105        1221        42650 SH  CALL
  HARRIS CORP                      COMMON STOCKS   413875105         701        24500 SH  CALL
  HEINZ H J CO                     COMMON STOCKS   423074103        1786        37689 SH  CALL
  HEINZ H J CO                     COMMON STOCKS   423074103         540        11400 SH  CALL
  HEINZ H J CO                     COMMON STOCKS   423074103          21          450 SH  CALL
  HEWLETT PACKARD CO               COMMON STOCKS   428236103        1718        25340 SH  CALL
  HEWLETT PACKARD CO               COMMON STOCKS   428236103        1409        20780 SH  CALL
  HEWLETT PACKARD CO               COMMON STOCKS   428236103          34          500 SH  CALL
  HOME DEPOT INC                   COMMON STOCKS   437076102        1351        21699 SH  CALL
  HOME DEPOT INC                   COMMON STOCKS   437076102         137         2194 SH  CALL
  HONEYWELL INC                    COMMON STOCKS   438506107         684         9026 SH  CALL
  HONEYWELL INC                    COMMON STOCKS   438506107         132         1738 SH  CALL
  HOUSEHOLD INTL INC               COMMON STOCKS   441815107        1150        25210 SH  CALL
  HUBBELL HARVEY INC               COMMON STOCKS   443510201         935        23385 SH  CALL
  HUBBELL HARVEY INC               COMMON STOCKS   443510201         380         9496 SH  CALL
  HUTTON TEL TR UNIT 1ST TAX FREE  MUTUAL FUNDS-FI 447900101         170        31855 PRN
  IDG BOOKS WORLDWIDE INC          COMMON STOCKS   449384106         998        40000 SH
  IHOP CORP                        COMMON STOCKS   449623107        1034        26350 SH  CALL
  INGERSOLL RAND CO                COMMON STOCKS   456866102        1377        27757 SH  CALL
  INGERSOLL RAND CO                COMMON STOCKS   456866102         592        11925 SH  CALL
  INTEL CORP                       COMMON STOCKS   458140100        7429        62494 SH  CALL
  INTEL CORP                       COMMON STOCKS   458140100        8326        70037 SH  CALL
  IBM CORP                         COMMON STOCKS   459200101        1841        10386 SH  CALL
  IBM CORP                         COMMON STOCKS   459200101        2415        13622 SH  CALL
  INTERNATIONAL PAPER CO           COMMON STOCKS   460146103         249         5900 SH  CALL
  INTERNATIONAL PAPER CO           COMMON STOCKS   460146103         199         4720 SH  CALL
  INTERPUBLIC GROUP                COMMON STOCKS   460690100         538         6910 SH  CALL
  SCUDDER                          MUTUAL FUNDS-EQ 460965882        1423        54655 PRN
  SCUDDER                          MUTUAL FUNDS-EQ 460965882          72         2761 PRN
  INTIMATE BRANDS                  COMMON STOCKS   461156101         549        11400 SH  CALL
  INVESTORS TITLE INS CO           COMMON STOCKS   461804106         336        15624 SH  CALL
  INVESTORS TITLE INS CO           COMMON STOCKS   461804106         168         7812 SH  CALL
  JACKSONVILLE FLA ELEC AUTH REV   MUNICIPAL BONDS 4693634Y8         257       250000 PRN
  JANUS                            MUTUAL FUNDS-EQ 471023101         266         7103 PRN
  JANUS                            MUTUAL FUNDS-EQ 471023101         377        10054 PRN
  JANUS                            MUTUAL FUNDS-IN 471023309        1094        21638 PRN
  JANUS                            MUTUAL FUNDS-IN 471023309         402         7953 PRN
  JEFFERSON PILOT CORP             COMMON STOCKS   475070108        4549        67143 SH  CALL
  JEFFERSON PILOT CORP             COMMON STOCKS   475070108        3648        53852 SH  CALL
  JOHNSON & JOHNSON                COMMON STOCKS   478160104        3639        38915 SH  CALL
  JOHNSON & JOHNSON                COMMON STOCKS   478160104        1711        18300 SH  CALL
  JOHNSON & JOHNSON                COMMON STOCKS   478160104          37          400 SH  CALL
  JOHNSON CONTROLS                 COMMON STOCKS   478366107           7          115 SH  CALL
  JOHNSON CONTROLS                 COMMON STOCKS   478366107         240         3840 SH  CALL
  KANSAS CITY SOUTHN INDS INC      COMMON STOCKS   485170104         821        14400 SH  CALL
  KANSAS CITY SOUTHN INDS INC      COMMON STOCKS   485170104        1026        18000 SH  CALL
  KELLOGG CO                       COMMON STOCKS   487836108         402        11892 SH  CALL
  KENAN TRANS CO                   COMMON STOCKS   488539107         284         8760 SH  CALL
  KEYCORP NEW                      COMMON STOCKS   493267108         711        23456 SH  CALL
  KEYCORP NEW                      COMMON STOCKS   493267108         186         6124 SH  CALL
  KIMBERLY CLARK CORP              COMMON STOCKS   494368103         313         6520 SH  CALL
  KIMBERLY CLARK CORP              COMMON STOCKS   494368103          72         1500 SH  CALL
  KROGER CO                        COMMON STOCKS   501044101         322         5375 SH  CALL
  LEXMARK INTL GROUP INC CL A      COMMON STOCKS   529771107        1122        10025 SH
  LEXMARK INTL GROUP INC CL A      COMMON STOCKS   529771107          28          250 SH
  ELI LILLY                        COMMON STOCKS   532457108        1174        13836 SH  CALL
  LINCARE HLD INC                  COMMON STOCKS   532791100         402        14300 SH  CALL
  LINCARE HLD INC                  COMMON STOCKS   532791100          25          900 SH  CALL
  LOCKHEED MARTIN CORP             COMMON STOCKS   539830109         718        19012 SH  CALL
  LOOMIS SAYLES                    MUTUAL FUNDS-FI 543487607        4581       370052 PRN
  LOWES COS INC                    COMMON STOCKS   548661107        2466        40765 SH  CALL
  LOWES COS INC                    COMMON STOCKS   548661107           6          100 SH  CALL
  LUCENT TECHNOLOGIES INC          COMMON STOCKS   549463107        3936        36440 SH  CALL
  LUCENT TECHNOLOGIES INC          COMMON STOCKS   549463107           6           58 SH  CALL
  LUCENT TECHNOLOGIES INC          COMMON STOCKS   549463107         941         8716 SH  CALL
  LUCENT TECHNOLOGIES INC          COMMON STOCKS   549463107          43          400 SH  CALL
  MBIA INC                         COMMON STOCKS   55262C100         290         5000 SH
  MCI WORLDCOM                     COMMON STOCKS   55268B106        4113        46437 SH
  MCI WORLDCOM                     COMMON STOCKS   55268B106         363         4101 SH
  MFS                              CLOSED END FUND 55273C107        3932       593522 PRN
  MTS SYS CORP                     COMMON STOCKS   553777103          46         4500 SH  CALL
  MTS SYS CORP                     COMMON STOCKS   553777103          91         9000 SH  CALL
  MACROMEDIA INC                   COMMON STOCKS   556100105           9          200 SH  CALL
  MACROMEDIA INC                   COMMON STOCKS   556100105         241         5326 SH  CALL
  MARSH & MCLENNAN COS INC         COMMON STOCKS   571748102         211         2842 SH  CALL
  MARTIN MARIETTA MATERIALS, INC.  COMMON STOCKS   573284106         777        13608 SH  CALL
  MARTIN MARIETTA MATERIALS, INC.  COMMON STOCKS   573284106         291         5100 SH  CALL
  MFS                              MUTUAL FUNDS-EQ 575719406        1845       110760 PRN
  MATTEL INC                       COMMON STOCKS   577081102         248         9934 SH  CALL
  MATTEL INC                       COMMON STOCKS   577081102          71         2828 SH  CALL
  MAY DEPT STORES CO               COMMON STOCKS   577778103         416        10620 SH  CALL
  MCDONALDS CORP                   COMMON STOCKS   580135101        1483        32720 SH  CALL
  MCDONALDS CORP                   COMMON STOCKS   580135101         113         2500 SH  CALL
  MCGRAW HILL INC                  COMMON STOCKS   580645109         786        14430 SH  CALL
  MEDIAONE GROUP INC               COMMON STOCKS   58440J104         248         3912 SH
  MEDIAONE GROUP INC               COMMON STOCKS   58440J104          98         1546 SH
  MEDTRONIC INC                    COMMON STOCKS   585055106        3069        42695 SH  CALL
  MEDTRONIC INC                    COMMON STOCKS   585055106        5315        73950 SH  CALL
  MERCK & CO INC                   COMMON STOCKS   589331107       11143       139072 SH  CALL
  MERCK & CO INC                   COMMON STOCKS   589331107        3349        41800 SH  CALL
  MERCK & CO INC                   COMMON STOCKS   589331107          40          500 SH  CALL
  MICROSOFT CORP                   COMMON STOCKS   594918104        6094        67990 SH  CALL
  MICROSOFT CORP                   COMMON STOCKS   594918104        1882        21000 SH  CALL
  MIDAMERICAN ENERGY HLDGS CO      COMMON STOCKS   59562V107          52         1850 SH
  MIDAMERICAN ENERGY HLDGS CO      COMMON STOCKS   59562V107         333        11900 SH
  MILACRON, INC.                   COMMON STOCKS   598709103         221        14050 SH
  MILACRON, INC.                   COMMON STOCKS   598709103         115         7300 SH
  MINNESOTA MNG & MFG CO           COMMON STOCKS   604059105         513         7250 SH  CALL
  MINNESOTA MNG & MFG CO           COMMON STOCKS   604059105         315         4450 SH  CALL
  MOBIL CORP                       COMMON STOCKS   607059102        1998        22700 SH  CALL
  MOBIL CORP                       COMMON STOCKS   607059102         516         5866 SH  CALL
  MODINE MFG                       COMMON STOCKS   607828100         319        11350 SH
  MODINE MFG                       COMMON STOCKS   607828100         372        13250 SH
  MONSANTO CO                      COMMON STOCKS   611662107        1032        22475 SH  CALL
  MONSANTO CO                      COMMON STOCKS   611662107          40          860 SH  CALL
  MORGAN J P & CO INC              COMMON STOCKS   616880100        1288        10440 SH  CALL
  MORGAN J P & CO INC              COMMON STOCKS   616880100          25          200 SH  CALL
  MORGAN ST DEAN WITTER            COMMON STOCKS   617446448         981         9814 SH
  MORGAN ST DEAN WITTER            COMMON STOCKS   617446448         242         2425 SH
  MORGAN STANLEY INSTITUTIONAL FD  MUTUAL FUNDS-IN 61744J408        7754       419563 PRN
  MORGAN STANLEY INSTITUTIONAL FD  MUTUAL FUNDS-IN 61744J408        1753        94838 PRN
  MORGAN STANLEY DEAN WITTER       CLOSED END FUND 61745P106         217        25000 PRN
  MOTOROLA INC                     COMMON STOCKS   620076109        1458        19899 SH  CALL
  MOTOROLA INC                     COMMON STOCKS   620076109         745        10168 SH  CALL
  MUTUAL RISK MANAGEMENT LTD       COMMON STOCKS   628351108          74         1934 SH  CALL
  MUTUAL RISK MANAGEMENT LTD       COMMON STOCKS   628351108         387        10064 SH  CALL
  FRANKLIN                         MUTUAL FUNDS-EQ 628380206        1172        69200 PRN
  NACCO INDUSTRIES                 COMMON STOCKS   629579103        1316        17775 SH  CALL
  NACCO INDUSTRIES                 COMMON STOCKS   629579103         648         8750 SH  CALL
  NATIONAL CITY CORP               COMMON STOCKS   635405103         206         3100 SH  CALL
  NEUBERGER & BERMAN               MUTUAL FUNDS-EQ 641224209         209         9000 PRN
  NORFOLK SOUTHERN CORP            COMMON STOCKS   655844108        1579        59885 SH  CALL
  NORFOLK SOUTHERN CORP            COMMON STOCKS   655844108         461        17470 SH  CALL
  NORSK HYDRO                      COMMON STOCKS   656531605         642        15890 SH  CALL
  NORSK HYDRO                      COMMON STOCKS   656531605         515        12750 SH  CALL
  NORTH CAROLINA NAT GAS CORP      COMMON STOCKS   658221106        1075        35391 SH  CALL
  NORTHERN TELECOM LTD             COMMON STOCKS   665815106         666        10720 SH  CALL
  NUVEEN FLAGHSIP                  MUTUAL FUNDS-FI 67065P840         306        29100 PRN
  OAKWOOD HOMES CORP               COMMON STOCKS   674098108          60         4300 SH  CALL
  OAKWOOD HOMES CORP               COMMON STOCKS   674098108         185        13200 SH  CALL
  OFFICE DEPOT INC                 COMMON STOCKS   676220106        1157        30900 SH  CALL
  OFFICE DEPOT INC                 COMMON STOCKS   676220106          19          500 SH  CALL
  OFFICEMAX INC                    COMMON STOCKS   67622M108          15         1713 SH  CALL
  OFFICEMAX INC                    COMMON STOCKS   67622M108         129        15000 SH  CALL
  OLD REP INTL CORP                COMMON STOCKS   680223104         353        19348 SH  CALL
  OLSTEN CORP                      COMMON STOCKS   681385100         676       109325 SH  CALL
  OLSTEN CORP                      COMMON STOCKS   681385100         238        38500 SH  CALL
  OMNICOM GROUP INC COM            COMMON STOCKS   681919106         320         4000 SH
  OPTICAL COATING LABS INC         COMMON STOCKS   683829105         144         3000 SH  CALL
  OPTICAL COATING LABS INC         COMMON STOCKS   683829105         389         8100 SH  CALL
  ORACLE SYSTEMS                   COMMON STOCKS   68389X105        1841        69808 SH  CALL
  ORACLE SYSTEMS                   COMMON STOCKS   68389X105         193         7312 SH  CALL
  ORACLE SYSTEMS                   COMMON STOCKS   68389X105          20          750 SH  CALL
  ORLANDO FLA                      MUNICIPAL BONDS 686516GZ2         333       325000 PRN
  PIMCO                            MUTUAL FUNDS-FI 693390700        3654       352710 PRN
  PNC BANK CORP                    COMMON STOCKS   693475105        1005        18091 SH  CALL
  PNC BANK CORP                    COMMON STOCKS   693475105         233         4200 SH  CALL
  PACIFIC CAPITAL                  MUTUAL FUNDS-FI 694048208         616        56751 PRN
  PACIFIC CAPITAL                  MUTUAL FUNDS-EQ 694048505        1359        75969 PRN
  PALL CORP                        COMMON STOCKS   696429307         232        14000 SH  CALL
  PALM BEACH CNTY FLA              MUNICIPAL BONDS 696507MH2         330       300000 PRN
  PEOPLES BANK                     COMMON STOCKS   710198102        2490        83700 SH  CALL
  PEOPLES BANK                     COMMON STOCKS   710198102         497        16700 SH  CALL
  PEOPLES BANK                     COMMON STOCKS   710198102          15          500 SH  CALL
  PEPSICO INC                      COMMON STOCKS   713448108        4187       106844 SH  CALL
  PEPSICO INC                      COMMON STOCKS   713448108        2002        51091 SH  CALL
  PETROLEUM & RES CORP             COMMON STOCKS   716549100         459        14080 SH  CALL
  PETROLEUM & RES CORP             COMMON STOCKS   716549100         932        28567 SH  CALL
  PFIZER INC                       COMMON STOCKS   717081103        9194        66260 SH  CALL
  PFIZER INC                       COMMON STOCKS   717081103        3982        28696 SH  CALL
  PFIZER INC                       COMMON STOCKS   717081103          42          300 SH  CALL
  PHELPS DODGE CORP                COMMON STOCKS   717265102         236         4790 SH  CALL
  PHELPS DODGE CORP                COMMON STOCKS   717265102          30          600 SH  CALL
  PHILADELPHIA SUBN CORP           COMMON STOCKS   718009608         298        13131 SH  CALL
  PHILADELPHIA SUBN CORP           COMMON STOCKS   718009608          91         4000 SH  CALL
  PHILIP MORRIS COS INC            COMMON STOCKS   718154107        5980       169950 SH  CALL
  PHILIP MORRIS COS INC            COMMON STOCKS   718154107        1599        45444 SH  CALL
  PHILLIPS PETE CO                 COMMON STOCKS   718507106         286         6063 SH  CALL
  PIEDMONT NAT GAS INC             COMMON STOCKS   720186105         576        16460 SH  CALL
  PIEDMONT NAT GAS INC             COMMON STOCKS   720186105         134         3840 SH  CALL
  PITNEY-BOWES INC                 COMMON STOCKS   724479100        1037        16262 SH  CALL
  PITNEY-BOWES INC                 COMMON STOCKS   724479100         434         6800 SH  CALL
  PLANTRONICS INC                  COMMON STOCKS   727493108         588         9400 SH  CALL
  POTASH CORP                      COMMON STOCKS   73755L107         324         6050 SH  CALL
  PRECISION CASTPARTS CORP         COMMON STOCKS   740189105        1128        28030 SH
  PRECISION CASTPARTS CORP         COMMON STOCKS   740189105          64         1600 SH
  PRICE (T.ROWE) ASSOCIATES        COMMON STOCKS   741477103         241         7000 SH
  PRICE (T.ROWE) ASSOCIATES        COMMON STOCKS   741477103        1262        36700 SH
  PROCTER & GAMBLE CO              COMMON STOCKS   742718109        3457        35301 SH  CALL
  PROCTER & GAMBLE CO              COMMON STOCKS   742718109         255         2600 SH  CALL
  PROGRESSIVE CORP                 COMMON STOCKS   743315103         215         1500 SH  CALL
  PROVIDENT COMPANIES INC          COMMON STOCKS   743862104         679        19635 SH
  PROVIDENT COMPANIES INC          COMMON STOCKS   743862104          24          700 SH
  PROVIDIAN FINANCIAL CORP         COMMON STOCKS   74406A102       20663       187841 SH
  PROVIDIAN FINANCIAL CORP         COMMON STOCKS   74406A102        3553        32296 SH
  PRUDENTIAL MUNICIPAL BOND FD     MUTUAL FUNDS-FI 74435L103         238        21198 PRN
  PUBLIC SVC CO N C INC            COMMON STOCKS   744516105         383        13510 SH  CALL
  PUTNAM                           CLOSED END FUND 746909100         211        28844 PRN
  RF MICRO DEVICES                 COMMON STOCKS   749941100         287         3000 SH
  RAYTHEON CO                      COMMON STOCKS   755111408         442         7545 SH
  RAYTHEON CO                      COMMON STOCKS   755111408         371         6320 SH
  RELIASTAR FINL CORP              COMMON STOCKS   75952U103         788        18485 SH  CALL
  RELIASTAR FINL CORP              COMMON STOCKS   75952U103         409         9600 SH  CALL
  ROCKWELL INTL CORP NEW           COMMON STOCKS   773903109         240         5645 SH
  ROCKWELL INTL CORP NEW           COMMON STOCKS   773903109         349         8232 SH
  T ROWE PRICE                     MUTUAL FUNDS-EQ 779556109        3222        95305 PRN
  T ROWE PRICE                     MUTUAL FUNDS-EQ 779556109         101         2988 PRN
  T ROWE PRICE                     MUTUAL FUNDS-FI 779570100         118        13747 PRN
  T. ROWE PRICE                    MUTUAL FUNDS-EQ 779572106         931        49066 PRN
  T. ROWE PRICE                    MUTUAL FUNDS-EQ 779572106          32         1702 PRN
  T ROWE PRICE SMALL-CAP VALUE     MUTUAL FUNDS-EQ 77957Q103        1909       112475 PRN
  T ROWE PRICE SMALL-CAP VALUE     MUTUAL FUNDS-EQ 77957Q103         101         5949 PRN
  ROYAL DUTCH PETE CO              COMMON STOCKS   780257804        1082        20804 SH
  ROYAL DUTCH PETE CO              COMMON STOCKS   780257804         192         3700 SH
  RUDDICK CORP                     COMMON STOCKS   781258108        1454        74550 SH  CALL
  RUDDICK CORP                     COMMON STOCKS   781258108         322        16500 SH  CALL
  RYANS FAMILY STEAK HOUSES INC    COMMON STOCKS   783519101         434        36000 SH  CALL
  RYANS FAMILY STEAK HOUSES INC    COMMON STOCKS   783519101         401        33250 SH  CALL
  SBC COMMUNICATIONS INC           COMMON STOCKS   78387G103        2650        56153 SH  CALL
  SBC COMMUNICATIONS INC           COMMON STOCKS   78387G103         740        15681 SH  CALL
  SBC COMMUNICATIONS INC           COMMON STOCKS   78387G103          37          782 SH  CALL
  S&P 500 DEPOSITORY RECEIPT       COMMON STOCKS   78462F103        1998        15562 SH
  ST PAUL COS INC                  COMMON STOCKS   792860108         586        18875 SH  CALL
  ST PAUL COS INC                  COMMON STOCKS   792860108          31         1000 SH  CALL
  SARA LEE CORP                    COMMON STOCKS   803111103         248        10000 SH  CALL
  SARA LEE CORP                    COMMON STOCKS   803111103         139         5600 SH  CALL
  SCHERING PLOUGH CORP             COMMON STOCKS   806605101        1046        18924 SH  CALL
  SCHERING PLOUGH CORP             COMMON STOCKS   806605101         185         3352 SH  CALL
  SCHLUMBERGER LTD                 COMMON STOCKS   806857108        1962        32595 SH  CALL
  SCHLUMBERGER LTD                 COMMON STOCKS   806857108         340         5650 SH  CALL
  SCUDDER                          MUTUAL FUNDS-FI 811236207         125        10952 PRN
  SEAGRAM LTD                      COMMON STOCKS   811850106         225         4500 SH  CALL
  SELIGMAN                         MUTUAL FUNDS-EQ 816332100         193        12404 PRN
  SEQUOIA                          MUTUAL FUNDS-EQ 817418106        3665        24342 PRN
  SERVICE CORP INTL                COMMON STOCKS   817565104        1515       106326 SH  CALL
  SERVICE CORP INTL                COMMON STOCKS   817565104         663        46500 SH  CALL
  SHAW INDS INC                    COMMON STOCKS   820286102         335        18128 SH
  SONOCO PRODS CO                  COMMON STOCKS   835495102        1521        66116 SH  CALL
  SONOCO PRODS CO                  COMMON STOCKS   835495102         222         9642 SH  CALL
  SOUTHERN CAPITAL TRUST I         PREFERRED STOCK 842542201          98        10000 SH
  SPRINT CORP                      COMMON STOCKS   852061100        1434        14618 SH  CALL
  SPRINT CORP                      COMMON STOCKS   852061100         762         7768 SH  CALL
  SPRINT CORP                      COMMON STOCKS   852061506         243         5480 SH
  SPRINT CORP                      COMMON STOCKS   852061506         175         3943 SH
  STAPLES INC                      COMMON STOCKS   855030102         783        23812 SH  CALL
  STAPLES INC                      COMMON STOCKS   855030102          27          825 SH  CALL
  STARWOOD HOTELS & RESORTS        COMMON STOCKS   85590A203         176         6174 SH
  STARWOOD HOTELS & RESORTS        COMMON STOCKS   85590A203         134         4700 SH
  STATE STREET CORP                COMMON STOCKS   857477103         494         6000 SH
  STRONG                           MUTUAL FUNDS-FI 863344107        1329       125734 PRN
  STRYKER CORP                     COMMON STOCKS   863667101        2171        43050 SH  CALL
  STRYKER CORP                     COMMON STOCKS   863667101        2108        41800 SH  CALL
  SUN MICROSYSTEMS INC             COMMON STOCKS   866810104         354         2830 SH  CALL
  SUN MICROSYSTEMS INC             COMMON STOCKS   866810104          27          219 SH  CALL
  SUNGARD DATA SYSTEMS INC         COMMON STOCKS   867363103         742        18540 SH
  SUNTRUST BANKS INC               COMMON STOCKS   867914103        2111        33914 SH  CALL
  SUNTRUST BANKS INC               COMMON STOCKS   867914103         513         8247 SH  CALL
  SYMANTEC CORP                    COMMON STOCKS   871503108         343        20225 SH
  SYMANTEC CORP                    COMMON STOCKS   871503108         127         7500 SH
  SYNOVUS FINL CORP                COMMON STOCKS   87161C105        2647       129122 SH  CALL
  SYNOVUS FINL CORP                COMMON STOCKS   87161C105        1300        63392 SH  CALL
  TECO ENERGY INC                  COMMON STOCKS   872375100         793        39878 SH  CALL
  TECO ENERGY INC                  COMMON STOCKS   872375100         239        12000 SH  CALL
  TELLABS, INC                     COMMON STOCKS   879664100         464         4750 SH  CALL
  TELLABS, INC                     COMMON STOCKS   879664100         186         1900 SH  CALL
  TEMPLETON                        MUTUAL FUNDS-IN 880199104         127         7383 PRN
  TEMPLETON                        MUTUAL FUNDS-IN 880199104          56         3267 PRN
  TENN VALLEY AUTHORITY            PREFERRED STOCK 880591300        2100        84000 SH
  TEXACO INC                       COMMON STOCKS   881694103         467         8222 SH  CALL
  TEXACO INC                       COMMON STOCKS   881694103         255         4500 SH  CALL
  TEXACO INC                       COMMON STOCKS   881694103          12          203 SH  CALL
  THOMAS & BETTS CORP              COMMON STOCKS   884315102          90         2400 SH  CALL
  THOMAS & BETTS CORP              COMMON STOCKS   884315102         270         7200 SH  CALL
  3COM CORP                        COMMON STOCKS   885535104          80         3438 SH  CALL
  3COM CORP                        COMMON STOCKS   885535104         573        24600 SH  CALL
  TIDEWATER INC                    COMMON STOCKS   886423102        1289        49800 SH
  TIDEWATER INC                    COMMON STOCKS   886423102         809        31250 SH
  TORRAY                           MUTUAL FUNDS-EQ 891402109         177         4528 PRN
  TORRAY                           MUTUAL FUNDS-EQ 891402109          41         1050 PRN
  TOSCO CORP                       COMMON STOCKS   891490302         551        22195 SH  CALL
  TOWER AUTOMOTIVE INC             COMMON STOCKS   891707101         799        42920 SH
  TOWER AUTOMOTIVE INC             COMMON STOCKS   891707101          61         3300 SH
  TRI CONTL CORP                   CLOSED END FUND 895436103        8863       305637 PRN
  TRI CONTL CORP                   CLOSED END FUND 895436103         420        14473 PRN
  TRIANGLE BANCORP INC             COMMON STOCKS   895835106         655        39268 SH  CALL
  TRIANGLE BANCORP INC             COMMON STOCKS   895835106          22         1312 SH  CALL
  TRICON GLOBAL RESTAURANTS        COMMON STOCKS   895953107         342         4864 SH
  TRICON GLOBAL RESTAURANTS        COMMON STOCKS   895953107         266         3780 SH
  OAK VALUE FD                     MUTUAL FUNDS-EQ 900733106         499        18016 PRN
  TYCO INTERNATIONAL LTD           COMMON STOCKS   902124106        1378        19210 SH
  TYCO INTERNATIONAL LTD           COMMON STOCKS   902124106         147         2050 SH
  UST INC                          COMMON STOCKS   902911106         829        31725 SH  CALL
  UNILEVER N V NEW YORK SHS        COMMON STOCKS   904784501          70         1050 SH  CALL
  UNILEVER N V NEW YORK SHS        COMMON STOCKS   904784501         372         5600 SH  CALL
  UNITED                           MUTUAL FUNDS-FI 910450204         115        18330 PRN
  U S WEST INC                     COMMON STOCKS   91273H101        1263        22937 SH
  U S WEST INC                     COMMON STOCKS   91273H101         447         8126 SH
  UNITED STATES TREASURY           U.S. OBLIGATION 912827X23         864       855000 PRN
  UNITED TECHNOLOGIES CORP         COMMON STOCKS   913017109        1342         9907 SH  CALL
  UNITED TECHNOLOGIES CORP         COMMON STOCKS   913017109          81          600 SH  CALL
  UNIVERSAL HEALTH SVCS INC        COMMON STOCKS   913903100          26          600 SH  CALL
  UNIVERSAL HEALTH SVCS INC        COMMON STOCKS   913903100         787        18200 SH  CALL
  VAN KAMPEN                       MUTUAL FUNDS-FI 920914108         275        27708 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 921910105        4344       111611 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 921910105         176         4510 PRN
  VANGUARD                         MUTUAL FUNDS-FI 921937108         163        16174 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 922018205         162         5309 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 922018205          93         3044 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031208          61         7832 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031208         608        77810 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031307        4030       389355 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031604         644        63433 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031703         163        15922 PRN
  VARIAN ASSOCIATES INC            COMMON STOCKS   922204102        1165        30070 SH
  VARIAN ASSOCIATES INC            COMMON STOCKS   922204102         639        16500 SH
  VANGUARD                         MUTUAL FUNDS-FI 922907209         284        21182 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 922908108        4994        42000 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 922908108        2348        19744 PRN
  WACHOVIA CORP                    COMMON STOCKS   929771103        1595        19645 SH  CALL
  WACHOVIA CORP                    COMMON STOCKS   929771103        1635        20136 SH  CALL
  WAL-MART STORES                  COMMON STOCKS   931142103         342         3710 SH  CALL
  WALGREEN CO                      COMMON STOCKS   931422109         296        10490 SH  CALL
  WALGREEN CO                      COMMON STOCKS   931422109         186         6600 SH  CALL
  WALLACE COMPUTER SERVICES INC    COMMON STOCKS   932270101         216        10925 SH  CALL
  WARNER LAMBERT CO                COMMON STOCKS   934488107        3566        53830 SH  CALL
  WARNER LAMBERT CO                COMMON STOCKS   934488107          13          200 SH  CALL
  WASHINGTON MUTUAL INC            COMMON STOCKS   939322103         772        18878 SH
  WASHINGTON MUTUAL INC            COMMON STOCKS   939322103          88         2160 SH
  WASHINGTON POST CO               COMMON STOCKS   939640108         626         1200 SH  CALL
  WATSON PHARMACEUTICAL INC        COMMON STOCKS   942683103        1312        29730 SH  CALL
  WATSON PHARMACEUTICAL INC        COMMON STOCKS   942683103          57         1300 SH  CALL
  WELLS FARGO COMPANY              COMMON STOCKS   949746101         749        21350 SH
  WELLS FARGO COMPANY              COMMON STOCKS   949746101         196         5600 SH
  WEST MARINE INC                  COMMON STOCKS   954235107         522        58775 SH
  WEST MARINE INC                  COMMON STOCKS   954235107         260        29250 SH
  WINN DIXIE STORES INC            COMMON STOCKS   974280109         259         6942 SH  CALL
  WINN DIXIE STORES INC            COMMON STOCKS   974280109         187         5000 SH  CALL
  WRIGLEY (WM) JR CO               COMMON STOCKS   982526105         430         4750 SH  CALL
  WRIGLEY (WM) JR CO               COMMON STOCKS   982526105         181         2000 SH  CALL
  XILINX INC                       COMMON STOCKS   983919101          24          600 SH  CALL
  XILINX INC                       COMMON STOCKS   983919101         268         6600 SH  CALL
  XEROX CORP                       COMMON STOCKS   984121103        1000        19194 SH  CALL
  XEROX CORP                       COMMON STOCKS   984121103         485         9300 SH  CALL
  SAP AG-VORZUG NEW (PREFERRED)    PREFERRED STOCK D66992112          59          200 SH  CALL
  SAP AG-VORZUG NEW (PREFERRED)    PREFERRED STOCK D66992112         664         2250 SH  CALL
  ROCHE HOLDING                    COMMON STOCKS   H47457728        3452          280 SH
  GILAT SATELLITE NETWORKS LTD     COMMON STOCKS   M51474100         282         4700 SH  CALL
  NCT HOLDINGS, INC. CLASS B       MISCELLANEOUS C SU0508006          55        28000 SH  CALL
  MEDICAL PRODUCTS SEARCH, INC.    CLOSELY HELD CO SU0776009           0        15000 SH
  ELECTRIC SUPPLY CO. OF NC, INC.  CLOSELY HELD CO SU0789002        3136        37228 SH
  DESCO, INC                       COMMON STOCKS   SU1023005        1814         8720 SH
  PETERSBURG MOTOR COMPANY, INC.   CLOSELY HELD CO SU1241003        1935         4590 SH
  E-Z HAUL, INC.                   CLOSELY HELD CO SU1306004           0       200000 SH

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

  AFLAC INC                       SOLE                  39922
  AFLAC INC                       OTHER                 10200
  AT&T CORP                       SOLE                  57672
  AT&T CORP                       DEFINED               90
  AT&T CORP                       OTHER                 8038
  AT&T CORP                       DEF/OTH               500
  ABBOTT LABS                     SOLE                  92341
  ABBOTT LABS                     OTHER                 47200
  ROWE CORP                       SOLE                  20000
  AEGON N V                       SOLE                  106753
  AEGON N V                       OTHER                 16822
  AIRTOUCH COMMUNICATIONS         SOLE                  2996
  AIRTOUCH COMMUNICATIONS         OTHER                 2245
  AIRTOUCH COMMUNICATIONS         DEF/OTH               255
  ROSEMYR CORP                    SOLE                  6898
  ALBERTSONS INC                  SOLE                  5600
  ALBERTSONS INC                  OTHER                 1500
  ALLEGHANY CORP                  SOLE                  419
  ALLEGHANY CORP                  OTHER                 1292
  ALLEGHENY ENERGY INC            SOLE                  7646
  ALLEGHENY ENERGY INC            OTHER                 2800
  ALLIANCE PORTFOLIOS GROWTH FD   SOLE                  5298
  ALLIED SIGNAL INC               SOLE                  46785
  ALLIED SIGNAL INC               OTHER                 12900
  ALLSTATE CORPORATION            SOLE                  3763
  ALLSTATE CORPORATION            SOLE                                            2000
  ALLTEL CORP                     SOLE                  3419
  ALLTEL CORP                     SOLE                                            2500
  ALLTEL CORP                     OTHER                 2475
  ALTERA CORP                     SOLE                  1300
  ALTERA CORP                     OTHER                 2700
  AMERICAN CENTURY                SOLE                  82656
  AMERICAN ELEC PWR INC           SOLE                  6106
  AMERICAN ELEC PWR INC           SOLE                                            100
  AMERICAN ELEC PWR INC           OTHER                 1918
  AMERICAN GEN CORP               SOLE                  6631
  AMERICAN GEN CORP               OTHER                 5970
  AMERICAN HOME PRODS CORP        SOLE                  126093
  AMERICAN HOME PRODS CORP        SOLE                               175
  AMERICAN HOME PRODS CORP        OTHER                 51850
  AMERICAN INTL GROUP INC         SOLE                  4121
  AMERICAN INTL GROUP INC         SOLE                                            25
  AMERICAN STORES CO              OTHER                 36800
  AMERITECH CORP                  SOLE                  12720
  AMERITECH CORP                  OTHER                 8792
  AMETEK INC                      SOLE                  30475
  AMETEK INC                      OTHER                 20500
  AMGEN INC                       SOLE                  4710
  AMP INC                         SOLE                  16225
  AMP INC                         SOLE                                            50
  AMP INC                         OTHER                 1500
  ANHEUSER BUSCH COMPANIES        SOLE                  7310
  ANHEUSER BUSCH COMPANIES        SOLE                                            2000
  ANHEUSER BUSCH COMPANIES        OTHER                 12000
  AON CORP                        SOLE                  5818
  APPLIED MATERIALS               SOLE                  54280
  APPLIED MATERIALS               SOLE                                            350
  APPLIED MATERIALS               OTHER                 18200
  ARCADIA FINANCIAL CORP          SOLE                  15375
  ASCEND COMMUNICATIONS           SOLE                  3000
  ASSOCIATES FIRST CAPITAL - A    SOLE                  3661
  ASSOCIATES FIRST CAPITAL - A    OTHER                 992
  ATLANTIC RICHFIELD              SOLE                  15156
  ATLANTIC RICHFIELD              OTHER                 4230
  AUTOMATIC DATA PROCESSING INC   SOLE                  17320
  AUTOMATIC DATA PROCESSING INC   SOLE                                            50
  AUTOMATIC DATA PROCESSING INC   OTHER                 800
  AVERY DENNISON CORP             OTHER                 4000
  AVNET INC                       SOLE                  11007
  BB & T CORPORATION              SOLE                  46464
  BP AMOCO PLC                    SOLE                  33649
  BP AMOCO PLC                    OTHER                 6618
  BANDAG INC                      SOLE                  7980
  BANDAG INC                      OTHER                 1500
  BANK OF NEW YORK INC            SOLE                  4700
  BANK OF NEW YORK INC            OTHER                 10600
  BANK ONE CORP                   SOLE                  25014
  BANK ONE CORP                   OTHER                 1603
  BANKAMERICA CORP                SOLE                  24900
  BANKAMERICA CORP                OTHER                 27455
  BAXTER INTL INC                 SOLE                  3860
  BAXTER INTL INC                 OTHER                 200
  BECKMAN COULTER, INC.           SOLE                  26400
  BECKMAN COULTER, INC.           OTHER                 9250
  BECTON DICKINSON & CO           SOLE                  9280
  BECTON DICKINSON & CO           SOLE                                            50
  BED BATH & BEYOND               SOLE                  12343
  BED BATH & BEYOND               OTHER                 1000
  BELL ATLANTIC CORP              SOLE                  22340
  BELL ATLANTIC CORP              SOLE                               480
  BELL ATLANTIC CORP              OTHER                 13676
  BELLSOUTH CORP                  SOLE                  41904
  BELLSOUTH CORP                  SOLE                               800
  BELLSOUTH CORP                  DEFINED               608
  BELLSOUTH CORP                  OTHER                 14078
  BERKSHIRE HATHAWAY INC          OTHER                                           180
  BERKSHIRE HATHAWAY INC          SOLE                  273
  BERKSHIRE HATHAWAY INC          OTHER                 22
  BESTFOODS, INC.                 SOLE                  2200
  BESTFOODS, INC.                 SOLE                                            2000
  BESTFOODS, INC.                 OTHER                 900
  BLACK BOX CORP                  SOLE                  52015
  BLACK BOX CORP                  OTHER                 27250
  BLOCK H & R INC                 SOLE                  4300
  BOEING CO                       SOLE                  18542
  BOEING CO                       OTHER                 13552
  BRANDYWINE FD INC               SOLE                                            10517
  BRANDYWINE FD INC               OTHER                 7314
  BRISTOL MYERS SQUIBB CO         SOLE                  45298
  BRISTOL MYERS SQUIBB CO         SOLE                                            4000
  BRISTOL MYERS SQUIBB CO         OTHER                 12200
  CCB FINL CORP                   SOLE                  1512956
  CCB FINL CORP                   SOLE                                            3000
  CCB FINL CORP                   DEFINED               18400
  CCB FINL CORP                   OTHER                 191286
  CCB FINL CORP                   OTHER                                           34432
  CBRL GROUP INC                  SOLE                  58825
  CBRL GROUP INC                  SOLE                                            100
  CBRL GROUP INC                  OTHER                 24900
  CCB                             SOLE                  2652951
  CCB                             OTHER                 250393
  CCB                             SOLE                  7276092
  CCB                             SOLE                                            5880
  CCB                             DEFINED               20225
  CCB                             OTHER                 339037
  CCB                             OTHER                              15436
  CCB                             SOLE                  3408076
  CCB                             OTHER                 353340
  CCB                             OTHER                              3353
  CSX CORP                        SOLE                  10328
  CSX CORP                        OTHER                 9066
  CAP ONE FINANCIAL CORP          SOLE                  46721
  CAP ONE FINANCIAL CORP          OTHER                 800
  CAROLINA PWR & LT CO            SOLE                  40135
  CAROLINA PWR & LT CO            OTHER                 3280
  CATERPILLAR TRACTOR CO          SOLE                  4795
  CATERPILLAR TRACTOR CO          OTHER                 1600
  CENDANT CORP                    SOLE                  15201
  CENTURA BKS INC                 SOLE                  13385
  CENTURA BKS INC                 OTHER                 36960
  CHASE MANHATTAN CORP            SOLE                  1483
  CHASE MANHATTAN CORP            SOLE                                            400
  CHASE MANHATTAN CORP            OTHER                 4102
  CHEVRON CORP                    SOLE                  10308
  CHEVRON CORP                    OTHER                 1600
  CISCO SYSTEMS                   SOLE                  51556
  CISCO SYSTEMS                   SOLE                                            200
  CISCO SYSTEMS                   OTHER                 8550
  CISCO SYSTEMS                   DEF/OTH               749
  CITIGROUP INC                   SOLE                  13710
  CITIGROUP INC                   OTHER                 16744
  CLAYTON HOMES INC               SOLE                  28552
  CLOROX CO                       SOLE                  2400
  COCA COLA CO                    SOLE                  87325
  COCA COLA CO                    OTHER                 5400
  COEUR D ALENE MINES CORP        SOLE                  520
  COEUR D ALENE MINES CORP        OTHER                 15606
  COLGATE PALMOLIVE CO            SOLE                  12471
  COLGATE PALMOLIVE CO            OTHER                 2448
  COLUMBIA/HCA HEALTHCARE CORP    SOLE                  5453
  COLUMBIA/HCA HEALTHCARE CORP    OTHER                 5400
  COMPAQ COMPUTER CORP            SOLE                  108381
  COMPAQ COMPUTER CORP            SOLE                                            300
  COMPAQ COMPUTER CORP            OTHER                 9518
  COMPAQ COMPUTER CORP            DEF/OTH               500
  COMPUTER ASSOC INT'L INC        SOLE                  6535
  COMPUTER SCIENCES CORP          SOLE                  3850
  COMPUTER SCIENCES CORP          OTHER                 3600
  CONE MILLS CORP                 SOLE                  9800
  CONE MILLS CORP                 OTHER                 62942
  CONSOLIDATED NAT GAS CO         SOLE                  3682
  CONSOLIDATED NAT GAS CO         SOLE                                            100
  CONSOLIDATED NAT GAS CO         OTHER                 1000
  CONSOLIDATED NAT GAS CO         DEF/OTH               600
  CONSOLIDTD STORES               SOLE                  9675
  CONSOLIDTD STORES               OTHER                 7400
  CORPORATE EXPRESS INC           SOLE                  105625
  CORPORATE EXPRESS INC           OTHER                 36500
  DALLAS SEMICONDUCTOR CORP       SOLE                  900
  DALLAS SEMICONDUCTOR CORP       OTHER                 4400
  DANAHER CORP                    SOLE                  2196
  DANAHER CORP                    OTHER                 10488
  DIAL CORP                       SOLE                  5692
  DIAL CORP                       OTHER                 400
  DIEBOLD INC                     SOLE                  64026
  DIEBOLD INC                     SOLE                                            100
  DIEBOLD INC                     OTHER                 7988
  DISNEY WALT CO                  SOLE                  43688
  DISNEY WALT CO                  SOLE                                            4986
  DISNEY WALT CO                  OTHER                 6900
  DODGE & COX                     SOLE                  3137
  DODGE & COX                     SOLE                  8204
  DODGE & COX                     SOLE                                            3489
  DOVER CORP                      SOLE                  19034
  DOW CHEM CO                     SOLE                  10271
  DOW CHEM CO                     OTHER                 2985
  DREYFUS FD                      SOLE                  11264
  DU PONT E I DE NEMOURS & CO     SOLE                  12218
  DU PONT E I DE NEMOURS & CO     OTHER                 17245
  DU PONT E I DE NEMOURS & CO     DEF/OTH               3000
  DUFF & PHELPS UTILS INCOME INC  SOLE                  18300
  DUKE ENERGY CORP                SOLE                  52115
  DUKE ENERGY CORP                OTHER                 16754
  DUKE ENERGY CORP                DEF/OTH               906
  DUN & BRADSTREET CORP           SOLE                  5875
  DUN & BRADSTREET CORP           OTHER                 1600
  EG & G INC                      SOLE                  5900
  EG & G INC                      OTHER                 16000
  EMC CORP                        SOLE                  66584
  EMC CORP                        OTHER                 31700
  EASTMAN KODAK CO                SOLE                  8325
  EASTMAN KODAK CO                OTHER                 6850
  EATON CORP                      SOLE                  12600
  EATON CORP                      OTHER                 12200
  EMERSON ELECTRIC CO             SOLE                  3090
  EMERSON ELECTRIC CO             SOLE                                            2320
  EMERSON ELECTRIC CO             OTHER                 4980
  ENRON CORP                      SOLE                  10174
  ENRON CORP                      SOLE                                            5000
  ENRON CORP                      OTHER                 4510
  ENTERGY CORP                    SOLE                  8410
  EQUITABLE COMPANIES INC         SOLE                  4450
  EQUITY INCOME FD                SOLE                  27710
  EQUITY INCOME FD                OTHER                 6800
  EXXON CORP                      SOLE                  194015
  EXXON CORP                      SOLE                                            2600
  EXXON CORP                      OTHER                 53856
  FAMILY DLR STORES INC           SOLE                  20900
  FDX CORPORATION                 SOLE                  17233
  FDX CORPORATION                 OTHER                 11500
  FEDERAL HOME LOAN MORTGAGE CORP SOLE                  5377
  FEDERAL HOME LOAN MORTGAGE CORP DEF/OTH               500
  FEDERAL NATIONAL MORTGAGE ASSN  SOLE                  55968
  FEDERAL NATIONAL MORTGAGE ASSN  SOLE                                            25
  FEDERAL NATIONAL MORTGAGE ASSN  OTHER                 5462
  FEDERAL NATIONAL MORTGAGE ASSN  DEF/OTH               500
  FEDERATED                       SOLE                  162838
  FEDERATED                       OTHER                 22795
  FEDERATED HIGH YIELD            SOLE                  171091
  FEDERATED HIGH YIELD            OTHER                 72181
  FEDERATED INCOME TRUST          SOLE                  36929
  FEDERATED INCOME TRUST          OTHER                 3485
  FEDERATED                       SOLE                  24589
  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                  34343
  FIDELITY ADV INST EQUITY GROWTH OTHER                 1044
  FIDELITY ADVISOR                SOLE                  5546
  FIDELITY                        SOLE                  11624
  FIDELITY                        OTHER                 7842
  1ST CHARTER CORP                SOLE                  13747
  FIRST UNION CORP                SOLE                  48488
  FIRST UNION CORP                SOLE                                            1500
  FIRST UNION CORP                OTHER                 4793
  FIRST UNION CORP                DEF/OTH               400
  1ST VA BKS INC                  SOLE                  4500
  FLORIDA ST                      SOLE                  300000
  FOOD LION INC                   SOLE                  25533
  FOOD LION INC                   OTHER                                           27000
  FOOD LION INC                   SOLE                  30083
  FOOD LION INC                   OTHER                 1000
  FORD MTR CO                     SOLE                  20798
  FORD MTR CO                     SOLE                                            900
  FORD MTR CO                     DEFINED               108
  FORD MTR CO                     OTHER                 9656
  FORTUNE BRANDS INC              SOLE                  23000
  FRANKLIN                        SOLE                  56577
  FRANKLIN                        OTHER                 1361
  FRANKLIN                        SOLE                  23519
  FRANKLIN                        SOLE                  25589
  FRANKLIN                        SOLE                  62056
  FRANKLIN                        OTHER                 4105
  FRANKLIN                        SOLE                  36696
  GTE CORP                        SOLE                  23503
  GTE CORP                        OTHER                 8476
  GALLAHER GROUP PLC ADR          SOLE                  24750
  GANNETT INC                     SOLE                  2600
  GANNETT INC                     OTHER                 1100
  GATEWAY 2000 INC                SOLE                  20300
  GATEWAY 2000 INC                OTHER                 3800
  GENERAL ELEC CO                 SOLE                  165415
  GENERAL ELEC CO                 SOLE                                            25
  GENERAL ELEC CO                 OTHER                 43020
  GENERAL ELEC CO                 DEF/OTH               800
  GENERAL MILLS INC               SOLE                  4534
  GENERAL MILLS INC               OTHER                 2400
  GENERAL MTRS CORP               SOLE                  10898
  GENERAL MTRS CORP               DEFINED               60
  GENERAL MTRS CORP               OTHER                 2650
  GENERAL MTRS CORP               SOLE                  1204
  GENERAL MTRS CORP               OTHER                 6950
  GENERAL NUTRITION COMPANIES INC.SOLE                  10350
  GENERAL NUTRITION COMPANIES INC.OTHER                 700
  GENTEX CORP                     SOLE                  37785
  GENTEX CORP                     SOLE                                            150
  GENTEX CORP                     OTHER                 1000
  GENLYTE GROUP INC               SOLE                  935
  GENLYTE GROUP INC               OTHER                 11000
  GENUINE PARTS CO                SOLE                  4951
  GENUINE PARTS CO                OTHER                 6750
  GEORGIA PAC CORP                SOLE                  2454
  GEORGIA PAC CORP                OTHER                 1950
  GERBER SCIENTIFIC INC           SOLE                  7775
  GERBER SCIENTIFIC INC           OTHER                 10250
  GILLETTE CO                     SOLE                  36227
  GILLETTE CO                     SOLE                                            4884
  GILLETTE CO                     OTHER                 1900
  GLAXO PLC SPONSORED ADR         SOLE                  8096
  GLAXO PLC SPONSORED ADR         SOLE                                            2300
  GLAXO PLC SPONSORED ADR         OTHER                 2000
  GLOBAL DIRECTMAIL CORP          SOLE                  50900
  GLOBAL DIRECTMAIL CORP          OTHER                 32000
  GLOBAL MARINE INC               SOLE                  28775
  GLOBAL MARINE INC               OTHER                 7400
  GOLDMAN SACHS                   SOLE                  91408
  GOLDMAN SACHS                   OTHER                 6062
  GOLDMAN SACHS                   SOLE                  170857
  GOLDMAN SACHS                   OTHER                 17296
  GOODYEAR TIRE & RUBR CO         SOLE                  16925
  GOODYEAR TIRE & RUBR CO         OTHER                 10000
  GREY ADVERTISING INC            SOLE                  4102
  GREY ADVERTISING INC            OTHER                 1750
  HARBOR                          SOLE                  81199
  HARBOR                          OTHER                 1995
  OAKMARK FUND                    SOLE                  5708
  HARRIS CORP                     SOLE                  42650
  HARRIS CORP                     OTHER                 24500
  HEINZ H J CO                    SOLE                  37689
  HEINZ H J CO                    OTHER                 11400
  HEINZ H J CO                    DEF/OTH               450
  HEWLETT PACKARD CO              SOLE                  25340
  HEWLETT PACKARD CO              OTHER                 20780
  HEWLETT PACKARD CO              DEF/OTH               500
  HOME DEPOT INC                  SOLE                  21699
  HOME DEPOT INC                  OTHER                 2194
  HONEYWELL INC                   SOLE                  9026
  HONEYWELL INC                   OTHER                 1738
  HOUSEHOLD INTL INC              SOLE                  24660
  HOUSEHOLD INTL INC              SOLE                                            550
  HUBBELL HARVEY INC              SOLE                  18685
  HUBBELL HARVEY INC              SOLE                                            4700
  HUBBELL HARVEY INC              OTHER                 9496
  HUTTON TEL TR UNIT 1ST TAX FREE SOLE                  31855
  IDG BOOKS WORLDWIDE INC         SOLE                  40000
  IHOP CORP                       SOLE                  26350
  INGERSOLL RAND CO               SOLE                  27657
  INGERSOLL RAND CO               SOLE                                            100
  INGERSOLL RAND CO               OTHER                 11925
  INTEL CORP                      SOLE                  62494
  INTEL CORP                      OTHER                 70037
  IBM CORP                        SOLE                  8986
  IBM CORP                        SOLE                                            1400
  IBM CORP                        OTHER                 13622
  INTERNATIONAL PAPER CO          SOLE                  3900
  INTERNATIONAL PAPER CO          SOLE                                            2000
  INTERNATIONAL PAPER CO          OTHER                 4720
  INTERPUBLIC GROUP               SOLE                  6910
  SCUDDER                         SOLE                  54655
  SCUDDER                         OTHER                 2423
  SCUDDER                         OTHER                              338
  INTIMATE BRANDS                 SOLE                  11400
  INVESTORS TITLE INS CO          SOLE                  15624
  INVESTORS TITLE INS CO          OTHER                 7812
  JACKSONVILLE FLA ELEC AUTH REV  SOLE                  250000
  JANUS                           SOLE                  7103
  JANUS                           OTHER                 10054
  JANUS                           SOLE                  13346
  JANUS                           SOLE                                            8292
  JANUS                           OTHER                 7953
  JEFFERSON PILOT CORP            SOLE                  67143
  JEFFERSON PILOT CORP            OTHER                 53852
  JOHNSON & JOHNSON               SOLE                  35415
  JOHNSON & JOHNSON               SOLE                                            3500
  JOHNSON & JOHNSON               OTHER                 18300
  JOHNSON & JOHNSON               DEF/OTH               400
  JOHNSON CONTROLS                SOLE                  115
  JOHNSON CONTROLS                DEFINED               3840
  KANSAS CITY SOUTHN INDS INC     SOLE                  14400
  KANSAS CITY SOUTHN INDS INC     OTHER                 18000
  KELLOGG CO                      SOLE                  11892
  KENAN TRANS CO                  SOLE                  8760
  KEYCORP NEW                     SOLE                  23456
  KEYCORP NEW                     OTHER                 6124
  KIMBERLY CLARK CORP             SOLE                  6420
  KIMBERLY CLARK CORP             SOLE                                            100
  KIMBERLY CLARK CORP             OTHER                 1500
  KROGER CO                       SOLE                  5375
  LEXMARK INTL GROUP INC CL A     SOLE                  10000
  LEXMARK INTL GROUP INC CL A     SOLE                                            25
  LEXMARK INTL GROUP INC CL A     OTHER                 250
  ELI LILLY                       SOLE                  13811
  ELI LILLY                       SOLE                                            25
  LINCARE HLD INC                 SOLE                  14300
  LINCARE HLD INC                 OTHER                 900
  LOCKHEED MARTIN CORP            SOLE                  19012
  LOOMIS SAYLES                   SOLE                  333309
  LOOMIS SAYLES                   SOLE                                            36743
  LOWES COS INC                   SOLE                  36515
  LOWES COS INC                   SOLE                                            4250
  LOWES COS INC                   OTHER                 100
  LUCENT TECHNOLOGIES INC         SOLE                  36440
  LUCENT TECHNOLOGIES INC         DEFINED               58
  LUCENT TECHNOLOGIES INC         OTHER                 8716
  LUCENT TECHNOLOGIES INC         DEF/OTH               400
  MBIA INC                        SOLE                  1000
  MBIA INC                        SOLE                                            4000
  MCI WORLDCOM                    SOLE                  46387
  MCI WORLDCOM                    SOLE                                            50
  MCI WORLDCOM                    OTHER                 4101
  MFS                             SOLE                  593522
  MTS SYS CORP                    SOLE                  4500
  MTS SYS CORP                    OTHER                 9000
  MACROMEDIA INC                  SOLE                  200
  MACROMEDIA INC                  OTHER                 5326
  MARSH & MCLENNAN COS INC        SOLE                  2842
  MARTIN MARIETTA MATERIALS, INC. SOLE                  13608
  MARTIN MARIETTA MATERIALS, INC. OTHER                 5100
  MFS                             SOLE                  110760
  MATTEL INC                      SOLE                  9934
  MATTEL INC                      OTHER                 2828
  MAY DEPT STORES CO              SOLE                  10620
  MCDONALDS CORP                  SOLE                  32720
  MCDONALDS CORP                  OTHER                 2500
  MCGRAW HILL INC                 SOLE                  14380
  MCGRAW HILL INC                 SOLE                                            50
  MEDIAONE GROUP INC              SOLE                  3912
  MEDIAONE GROUP INC              OTHER                 1546
  MEDTRONIC INC                   SOLE                  42695
  MEDTRONIC INC                   OTHER                 73950
  MERCK & CO INC                  SOLE                  133872
  MERCK & CO INC                  SOLE                                            5200
  MERCK & CO INC                  OTHER                 41800
  MERCK & CO INC                  DEF/OTH               500
  MICROSOFT CORP                  SOLE                  67990
  MICROSOFT CORP                  OTHER                 21000
  MIDAMERICAN ENERGY HLDGS CO     SOLE                  1850
  MIDAMERICAN ENERGY HLDGS CO     OTHER                 11900
  MILACRON, INC.                  SOLE                  13850
  MILACRON, INC.                  SOLE                                            200
  MILACRON, INC.                  OTHER                 7300
  MINNESOTA MNG & MFG CO          SOLE                  7250
  MINNESOTA MNG & MFG CO          OTHER                 4450
  MOBIL CORP                      SOLE                  19700
  MOBIL CORP                      SOLE                                            3000
  MOBIL CORP                      OTHER                 5866
  MODINE MFG                      SOLE                  11350
  MODINE MFG                      OTHER                 13250
  MONSANTO CO                     SOLE                  22400
  MONSANTO CO                     SOLE                                            75
  MONSANTO CO                     OTHER                 860
  MORGAN J P & CO INC             SOLE                  10440
  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                  418061
  MORGAN STANLEY INSTITUTIONAL FD SOLE                               481
  MORGAN STANLEY INSTITUTIONAL FD SOLE                                            1021
  MORGAN STANLEY INSTITUTIONAL FD OTHER                 94838
  MORGAN STANLEY DEAN WITTER      SOLE                  25000
  MOTOROLA INC                    SOLE                  16050
  MOTOROLA INC                    SOLE                                            3849
  MOTOROLA INC                    OTHER                 10168
  MUTUAL RISK MANAGEMENT LTD      SOLE                  1934
  MUTUAL RISK MANAGEMENT LTD      OTHER                 10064
  FRANKLIN                        SOLE                  28465
  FRANKLIN                        SOLE                                            40735
  NACCO INDUSTRIES                SOLE                  17775
  NACCO INDUSTRIES                OTHER                 8750
  NATIONAL CITY CORP              SOLE                  2000
  NATIONAL CITY CORP              SOLE                                            1100
  NEUBERGER & BERMAN              SOLE                  9000
  NORFOLK SOUTHERN CORP           SOLE                  59885
  NORFOLK SOUTHERN CORP           OTHER                 17470
  NORSK HYDRO                     SOLE                  15590
  NORSK HYDRO                     SOLE                                            300
  NORSK HYDRO                     OTHER                 12750
  NORTH CAROLINA NAT GAS CORP     SOLE                  35391
  NORTHERN TELECOM LTD            SOLE                  10670
  NORTHERN TELECOM LTD            SOLE                                            50
  NUVEEN FLAGHSIP                 SOLE                  29100
  OAKWOOD HOMES CORP              SOLE                  4300
  OAKWOOD HOMES CORP              OTHER                 13200
  OFFICE DEPOT INC                SOLE                  30825
  OFFICE DEPOT INC                SOLE                                            75
  OFFICE DEPOT INC                OTHER                 500
  OFFICEMAX INC                   SOLE                  1713
  OFFICEMAX INC                   OTHER                 15000
  OLD REP INTL CORP               SOLE                  19348
  OLSTEN CORP                     SOLE                  109325
  OLSTEN CORP                     OTHER                 38500
  OMNICOM GROUP INC COM           SOLE                                            4000
  OPTICAL COATING LABS INC        SOLE                  3000
  OPTICAL COATING LABS INC        OTHER                 8100
  ORACLE SYSTEMS                  SOLE                  69358
  ORACLE SYSTEMS                  SOLE                                            450
  ORACLE SYSTEMS                  OTHER                 7312
  ORACLE SYSTEMS                  DEF/OTH               750
  ORLANDO FLA                     SOLE                  325000
  PIMCO                           SOLE                  352710
  PNC BANK CORP                   SOLE                  17941
  PNC BANK CORP                   SOLE                               150
  PNC BANK CORP                   OTHER                 4200
  PACIFIC CAPITAL                 SOLE                  56751
  PACIFIC CAPITAL                 SOLE                  75969
  PALL CORP                       SOLE                  14000
  PALM BEACH CNTY FLA             SOLE                  300000
  PEOPLES BANK                    SOLE                  83700
  PEOPLES BANK                    OTHER                 16700
  PEOPLES BANK                    DEF/OTH               500
  PEPSICO INC                     SOLE                  98844
  PEPSICO INC                     SOLE                                            8000
  PEPSICO INC                     OTHER                 51091
  PETROLEUM & RES CORP            SOLE                  14080
  PETROLEUM & RES CORP            OTHER                 28567
  PFIZER INC                      SOLE                  66235
  PFIZER INC                      SOLE                                            25
  PFIZER INC                      OTHER                 28696
  PFIZER INC                      DEF/OTH               300
  PHELPS DODGE CORP               SOLE                  4590
  PHELPS DODGE CORP               SOLE                                            200
  PHELPS DODGE CORP               OTHER                 600
  PHILADELPHIA SUBN CORP          SOLE                  13131
  PHILADELPHIA SUBN CORP          OTHER                 4000
  PHILIP MORRIS COS INC           SOLE                  166950
  PHILIP MORRIS COS INC           SOLE                                            3000
  PHILIP MORRIS COS INC           OTHER                 45444
  PHILLIPS PETE CO                SOLE                  5063
  PHILLIPS PETE CO                SOLE                                            1000
  PIEDMONT NAT GAS INC            SOLE                  16460
  PIEDMONT NAT GAS INC            OTHER                 3840
  PITNEY-BOWES INC                SOLE                  16262
  PITNEY-BOWES INC                OTHER                 6800
  PLANTRONICS INC                 OTHER                 9400
  POTASH CORP                     SOLE                  6000
  POTASH CORP                     SOLE                                            50
  PRECISION CASTPARTS CORP        SOLE                  27980
  PRECISION CASTPARTS CORP        SOLE                                            50
  PRECISION CASTPARTS CORP        OTHER                 1600
  PRICE (T.ROWE) ASSOCIATES       SOLE                  7000
  PRICE (T.ROWE) ASSOCIATES       OTHER                 36700
  PROCTER & GAMBLE CO             SOLE                  35301
  PROCTER & GAMBLE CO             OTHER                 2600
  PROGRESSIVE CORP                OTHER                 1500
  PROVIDENT COMPANIES INC         SOLE                  19560
  PROVIDENT COMPANIES INC         SOLE                                            75
  PROVIDENT COMPANIES INC         OTHER                 700
  PROVIDIAN FINANCIAL CORP        SOLE                  187841
  PROVIDIAN FINANCIAL CORP        OTHER                 32296
  PRUDENTIAL MUNICIPAL BOND FD    DEFINED               21198
  PUBLIC SVC CO N C INC           SOLE                  13510
  PUTNAM                          SOLE                  28844
  RF MICRO DEVICES                OTHER                 3000
  RAYTHEON CO                     SOLE                  7545
  RAYTHEON CO                     OTHER                 6320
  RELIASTAR FINL CORP             SOLE                  18485
  RELIASTAR FINL CORP             OTHER                 9600
  ROCKWELL INTL CORP NEW          SOLE                  5645
  ROCKWELL INTL CORP NEW          OTHER                 8232
  T ROWE PRICE                    SOLE                  79058
  T ROWE PRICE                    SOLE                                            16247
  T ROWE PRICE                    OTHER                 2988
  T ROWE PRICE                    SOLE                  13747
  T. ROWE PRICE                   SOLE                  49066
  T. ROWE PRICE                   OTHER                 1702
  T ROWE PRICE SMALL-CAP VALUE    SOLE                  89668
  T ROWE PRICE SMALL-CAP VALUE    SOLE                                            22807
  T ROWE PRICE SMALL-CAP VALUE    OTHER                 5949
  ROYAL DUTCH PETE CO             SOLE                  16354
  ROYAL DUTCH PETE CO             SOLE                                            4450
  ROYAL DUTCH PETE CO             OTHER                 3700
  RUDDICK CORP                    SOLE                  72550
  RUDDICK CORP                    SOLE                                            2000
  RUDDICK CORP                    OTHER                 16500
  RYANS FAMILY STEAK HOUSES INC   SOLE                  36000
  RYANS FAMILY STEAK HOUSES INC   OTHER                 33250
  SBC COMMUNICATIONS INC          SOLE                  55903
  SBC COMMUNICATIONS INC          SOLE                               250
  SBC COMMUNICATIONS INC          OTHER                 15681
  SBC COMMUNICATIONS INC          DEF/OTH               782
  S&P 500 DEPOSITORY RECEIPT      SOLE                  15562
  ST PAUL COS INC                 SOLE                  18875
  ST PAUL COS INC                 OTHER                 1000
  SARA LEE CORP                   SOLE                  10000
  SARA LEE CORP                   OTHER                 5600
  SCHERING PLOUGH CORP            SOLE                  18924
  SCHERING PLOUGH CORP            OTHER                 3352
  SCHLUMBERGER LTD                SOLE                  32470
  SCHLUMBERGER LTD                SOLE                                            125
  SCHLUMBERGER LTD                OTHER                 5650
  SCUDDER                         SOLE                  10952
  SEAGRAM LTD                     SOLE                  4500
  SELIGMAN                        SOLE                  12404
  SEQUOIA                         OTHER                                           24342
  SERVICE CORP INTL               SOLE                  104326
  SERVICE CORP INTL               SOLE                                            2000
  SERVICE CORP INTL               OTHER                 46500
  SHAW INDS INC                   SOLE                  18128
  SONOCO PRODS CO                 SOLE                  66116
  SONOCO PRODS CO                 OTHER                 9642
  SOUTHERN CAPITAL TRUST I        OTHER                 10000
  SPRINT CORP                     SOLE                  14568
  SPRINT CORP                     SOLE                                            50
  SPRINT CORP                     OTHER                 7768
  SPRINT CORP                     SOLE                  5480
  SPRINT CORP                     OTHER                 3943
  STAPLES INC                     SOLE                  23812
  STAPLES INC                     OTHER                 825
  STARWOOD HOTELS & RESORTS       SOLE                  6174
  STARWOOD HOTELS & RESORTS       OTHER                 4700
  STATE STREET CORP               OTHER                 6000
  STRONG                          SOLE                  82611
  STRONG                          SOLE                                            43123
  STRYKER CORP                    SOLE                  43050
  STRYKER CORP                    OTHER                 41800
  SUN MICROSYSTEMS INC            SOLE                  2830
  SUN MICROSYSTEMS INC            OTHER                 219
  SUNGARD DATA SYSTEMS INC        SOLE                  18465
  SUNGARD DATA SYSTEMS INC        SOLE                                            75
  SUNTRUST BANKS INC              SOLE                  33914
  SUNTRUST BANKS INC              OTHER                 8247
  SYMANTEC CORP                   SOLE                  20225
  SYMANTEC CORP                   OTHER                 7500
  SYNOVUS FINL CORP               SOLE                  129122
  SYNOVUS FINL CORP               OTHER                 63392
  TECO ENERGY INC                 SOLE                  38878
  TECO ENERGY INC                 SOLE                                            1000
  TECO ENERGY INC                 OTHER                 12000
  TELLABS, INC                    SOLE                  4750
  TELLABS, INC                    OTHER                 1900
  TEMPLETON                       SOLE                  7383
  TEMPLETON                       OTHER                 3267
  TENN VALLEY AUTHORITY           SOLE                  84000
  TEXACO INC                      SOLE                  8222
  TEXACO INC                      OTHER                 4500
  TEXACO INC                      DEF/OTH               203
  THOMAS & BETTS CORP             SOLE                  2400
  THOMAS & BETTS CORP             OTHER                 7200
  3COM CORP                       SOLE                  3438
  3COM CORP                       OTHER                 24600
  TIDEWATER INC                   SOLE                  49800
  TIDEWATER INC                   OTHER                 31250
  TORRAY                          SOLE                  4528
  TORRAY                          OTHER                 1050
  TOSCO CORP                      SOLE                  22095
  TOSCO CORP                      SOLE                                            100
  TOWER AUTOMOTIVE INC            SOLE                  42820
  TOWER AUTOMOTIVE INC            SOLE                                            100
  TOWER AUTOMOTIVE INC            OTHER                 3300
  TRI CONTL CORP                  SOLE                  305637
  TRI CONTL CORP                  OTHER                 14473
  TRIANGLE BANCORP INC            SOLE                  39268
  TRIANGLE BANCORP INC            OTHER                 1312
  TRICON GLOBAL RESTAURANTS       SOLE                  4864
  TRICON GLOBAL RESTAURANTS       OTHER                 3780
  OAK VALUE FD                    OTHER                                           18016
  TYCO INTERNATIONAL LTD          SOLE                  19210
  TYCO INTERNATIONAL LTD          OTHER                 2050
  UST INC                         SOLE                  30125
  UST INC                         SOLE                                            1600
  UNILEVER N V NEW YORK SHS       SOLE                  1050
  UNILEVER N V NEW YORK SHS       OTHER                 5600
  UNITED                          SOLE                  18330
  U S WEST INC                    SOLE                  22937
  U S WEST INC                    OTHER                 8126
  UNITED STATES TREASURY          SOLE                  855000
  UNITED TECHNOLOGIES CORP        SOLE                  9882
  UNITED TECHNOLOGIES CORP        SOLE                                            25
  UNITED TECHNOLOGIES CORP        OTHER                 600
  UNIVERSAL HEALTH SVCS INC       SOLE                  600
  UNIVERSAL HEALTH SVCS INC       OTHER                 18200
  VAN KAMPEN                      OTHER                 27708
  VANGUARD                        SOLE                  108712
  VANGUARD                        SOLE                                            2899
  VANGUARD                        OTHER                 4510
  VANGUARD                        SOLE                  16174
  VANGUARD                        SOLE                  5309
  VANGUARD                        DEF/OTH               3044
  VANGUARD                        SOLE                  7832
  VANGUARD                        OTHER                 77810
  VANGUARD                        SOLE                  389355
  VANGUARD                        SOLE                  24759
  VANGUARD                        SOLE                                            38674
  VANGUARD                        SOLE                  15922
  VARIAN ASSOCIATES INC           SOLE                  30070
  VARIAN ASSOCIATES INC           OTHER                 16500
  VANGUARD                        OTHER                 21182
  VANGUARD                        SOLE                  34065
  VANGUARD                        SOLE                                            7935
  VANGUARD                        OTHER                 3712
  VANGUARD                        OTHER                                           16032
  WACHOVIA CORP                   SOLE                  19645
  WACHOVIA CORP                   OTHER                 20136
  WAL-MART STORES                 SOLE                  3710
  WALGREEN CO                     SOLE                  10390
  WALGREEN CO                     SOLE                                            100
  WALGREEN CO                     OTHER                 6600
  WALLACE COMPUTER SERVICES INC   SOLE                  10925
  WARNER LAMBERT CO               SOLE                  53805
  WARNER LAMBERT CO               SOLE                                            25
  WARNER LAMBERT CO               OTHER                 200
  WASHINGTON MUTUAL INC           SOLE                  18778
  WASHINGTON MUTUAL INC           SOLE                                            100
  WASHINGTON MUTUAL INC           OTHER                 2160
  WASHINGTON POST CO              OTHER                                           1200
  WATSON PHARMACEUTICAL INC       SOLE                  29680
  WATSON PHARMACEUTICAL INC       SOLE                                            50
  WATSON PHARMACEUTICAL INC       OTHER                 1300
  WELLS FARGO COMPANY             DEFINED               21350
  WELLS FARGO COMPANY             OTHER                 5600
  WEST MARINE INC                 SOLE                  58775
  WEST MARINE INC                 OTHER                 29250
  WINN DIXIE STORES INC           SOLE                  6942
  WINN DIXIE STORES INC           OTHER                 5000
  WRIGLEY (WM) JR CO              SOLE                  4750
  WRIGLEY (WM) JR CO              OTHER                 2000
  XILINX INC                      SOLE                  600
  XILINX INC                      OTHER                 6600
  XEROX CORP                      SOLE                  19194
  XEROX CORP                      OTHER                 9300
  SAP AG-VORZUG NEW (PREFERRED)   SOLE                  200
  SAP AG-VORZUG NEW (PREFERRED)   OTHER                 2250
  ROCHE HOLDING                   SOLE                  280
  GILAT SATELLITE NETWORKS LTD    OTHER                 4700
  NCT HOLDINGS, INC. CLASS B      OTHER                 28000
  MEDICAL PRODUCTS SEARCH, INC.   SOLE                  15000
  ELECTRIC SUPPLY CO. OF NC, INC. OTHER                                           37228
  DESCO, INC                      SOLE                                            8720
  PETERSBURG MOTOR COMPANY, INC.  SOLE                  4590
  E-Z HAUL, INC.                  OTHER                 200000
</TABLE>


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