CENTRAL CAROLINA BANK & TRUST CO N C
13F-HR, 2000-08-28
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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: 06/30/2000

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 integral parts of
this form.

Person Signing this Report on Behalf of Reporting Manager:

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

1    DURHAM, NC    07/19/2000

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:           625
Form 13F Information Table Value Total:           $ 1,067,621

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        1821        39636 SH
  AFLAC INC                        COMMON STOCKS   001055102         469        10200 SH
  AT&T CORP                        COMMON STOCKS   001957109        2472        78159 SH
  AT&T CORP                        COMMON STOCKS   001957109           4          135 SH
  AT&T CORP                        COMMON STOCKS   001957109         352        11137 SH
  AT&T CORP                        COMMON STOCKS   001957109          24          749 SH
  AXA FINANCIAL INC                COMMON STOCKS   002451102         689        20270 SH
  ABBOTT LABS                      COMMON STOCKS   002824100        5007       112366 SH
  ABBOTT LABS                      COMMON STOCKS   002824100        1300        29175 SH
  ABERCROMBIE & FITCH CO           COMMON STOCKS   002896207        1224       100400 SH
  ABERCROMBIE & FITCH CO           COMMON STOCKS   002896207         122        10000 SH
  ADAPTEC INC                      COMMON STOCKS   00651F108        1134        49850 SH
  ROWE CORP                        CLOSELY HELD CO 006997019         506        20000 SH
  AEGON N V                        COMMON STOCKS   007924103        5723       160654 SH
  AEGON N V                        COMMON STOCKS   007924103        1127        31644 SH
  AGILENT TECHNOLOGIES INC         COMMON STOCKS   00846U101         644         8726 SH
  AGILENT TECHNOLOGIES INC         COMMON STOCKS   00846U101         350         4743 SH
  AGILENT TECHNOLOGIES INC         COMMON STOCKS   00846U101          14          190 SH
  ROSEMYR CORP                     CLOSELY HELD CO 009990011        1594         6898 SH
  ROSEMYR CORP                     CLOSELY HELD CO 009990011        1558         6745 SH
  ALBERTSONS INC                   COMMON STOCKS   013104104           3          100 SH
  ALBERTSONS INC                   COMMON STOCKS   013104104         771        23184 SH
  ALLEGHANY CORP                   COMMON STOCKS   017175100         226         1343 SH
  ALLEGHENY ENERGY INC             COMMON STOCKS   017361106         189         6905 SH
  ALLEGHENY ENERGY INC             COMMON STOCKS   017361106          49         1800 SH
  ALLIANCE GROWTH                  MUTUAL FUNDS-EQ 01877F401         327         6031 PRN
  ALLSTATE CORPORATION             COMMON STOCKS   020002101         161         7226 SH
  ALLSTATE CORPORATION             COMMON STOCKS   020002101         133         5959 SH
  ALLTEL CORP                      COMMON STOCKS   020039103         171         2757 SH
  ALLTEL CORP                      COMMON STOCKS   020039103         167         2697 SH
  ALPHA INDS INC                   COMMON STOCKS   020753109         337         7650 SH
  ALTERA CORP                      COMMON STOCKS   021441100         380         3723 SH
  ALTERA CORP                      COMMON STOCKS   021441100         550         5400 SH
  AMERICAN CENTURY                 MUTUAL FUNDS-EQ 02507M600        5299       205160 PRN
  AMERICAN CENTURY                 MUTUAL FUNDS-EQ 02507M600           3          108 PRN
  AMERICAN ELEC PWR INC            COMMON STOCKS   025537101         167         5622 SH
  AMERICAN ELEC PWR INC            COMMON STOCKS   025537101          48         1618 SH
  AMERICAN GEN CORP                COMMON STOCKS   026351106         130         2137 SH
  AMERICAN GEN CORP                COMMON STOCKS   026351106         364         5970 SH
  AMERICAN HOME PRODS CORP         COMMON STOCKS   026609107        8912       151697 SH
  AMERICAN HOME PRODS CORP         COMMON STOCKS   026609107        2431        41375 SH
  AMERICAN INTL GROUP INC          COMMON STOCKS   026874107        3491        29711 SH
  AMERICAN INTL GROUP INC          COMMON STOCKS   026874107         308         2625 SH
  AMETEK INC                       COMMON STOCKS   031100100        1326        75750 SH
  AMETEK INC                       COMMON STOCKS   031100100         128         7325 SH
  AMGEN INC                        COMMON STOCKS   031162100        4480        63778 SH
  AMGEN INC                        COMMON STOCKS   031162100         386         5500 SH
  ANHEUSER BUSCH COMPANIES         COMMON STOCKS   035229103         533         7138 SH
  ANHEUSER BUSCH COMPANIES         COMMON STOCKS   035229103         777        10400 SH
  AON CORP                         COMMON STOCKS   037389103         226         7262 SH
  AON CORP                         COMMON STOCKS   037389103          57         1828 SH
  APPLIED MATERIALS INC            COMMON STOCKS   038222105       12378       136585 SH
  APPLIED MATERIALS INC            COMMON STOCKS   038222105        2492        27500 SH
  AUTODESK INC.                    COMMON STOCKS   052769106        1456        41975 SH
  AUTODESK INC.                    COMMON STOCKS   052769106         147         4250 SH
  AUTOMATIC DATA PROCESSING INC    COMMON STOCKS   053015103        3124        58329 SH
  AUTOMATIC DATA PROCESSING INC    COMMON STOCKS   053015103         277         5180 SH
  AUTOMATIC DATA PROCESSING INC    COMMON STOCKS   053015103          32          600 SH
  AVERY DENNISON CORP              COMMON STOCKS   053611109         269         4000 SH
  AVNET INC                        COMMON STOCKS   053807103         652        11000 SH
  BB & T CORPORATION               COMMON STOCKS   054937107        1419        59451 SH
  BB & T CORPORATION               COMMON STOCKS   054937107          10          400 SH
  BP AMOCO PLC                     COMMON STOCKS   055622104        5089        89970 SH
  BP AMOCO PLC                     COMMON STOCKS   055622104         748        13219 SH
  BMC SOFTWARE INC                 COMMON STOCKS   055921100         507        13900 SH
  BANK OF AMERICA CORP             COMMON STOCKS   060505104        2109        49051 SH
  BANK OF AMERICA CORP             COMMON STOCKS   060505104        1145        26617 SH
  BANK OF NEW YORK INC             COMMON STOCKS   064057102         228         4900 SH
  BANK OF NEW YORK INC             COMMON STOCKS   064057102        1042        22400 SH
  BANK ONE CORP                    COMMON STOCKS   06423A103         182         6842 SH
  BANK ONE CORP                    COMMON STOCKS   06423A103          26          983 SH
  BAUSCH & LOMB INC                COMMON STOCKS   071707103          72          931 SH
  BAUSCH & LOMB INC                COMMON STOCKS   071707103         169         2182 SH
  BAXTER INTL INC                  COMMON STOCKS   071813109         271         3860 SH
  BAXTER INTL INC                  COMMON STOCKS   071813109           5           70 SH
  BECKMAN COULTER, INC.            COMMON STOCKS   075811109        2188        37474 SH
  BECKMAN COULTER, INC.            COMMON STOCKS   075811109         204         3500 SH
  BELL ATLANTIC CORP               COMMON STOCKS   077853109        1629        32055 SH
  BELL ATLANTIC CORP               COMMON STOCKS   077853109         567        11162 SH
  BELLSOUTH CORP                   COMMON STOCKS   079860102        1950        45754 SH
  BELLSOUTH CORP                   COMMON STOCKS   079860102          26          608 SH
  BELLSOUTH CORP                   COMMON STOCKS   079860102         571        13404 SH
  BERKSHIRE HATHAWAY INC           COMMON STOCKS   084670108          54            1 SH
  BERKSHIRE HATHAWAY INC           COMMON STOCKS   084670108        9684          180 SH
  BERKSHIRE HATHAWAY INC           COMMON STOCKS   084670207         475          270 SH
  BERKSHIRE HATHAWAY INC           COMMON STOCKS   084670207          39           22 SH
  BLOCK H & R INC                  COMMON STOCKS   093671105         867        26775 SH
  BLOCK H & R INC                  COMMON STOCKS   093671105          94         2900 SH
  BOEING CO                        COMMON STOCKS   097023105         612        14645 SH
  BOEING CO                        COMMON STOCKS   097023105         567        13552 SH
  BRANDYWINE FD INC                MUTUAL FUNDS-EQ 10532D107         381         7928 PRN
  BRISTOL MYERS SQUIBB CO          COMMON STOCKS   110122108        2842        48792 SH
  BRISTOL MYERS SQUIBB CO          COMMON STOCKS   110122108         757        13000 SH
  CCB FINL CORP                    COMMON STOCKS   124875105       69097      1867488 SH
  CCB FINL CORP                    COMMON STOCKS   124875105         681        18400 SH
  CCB FINL CORP                    COMMON STOCKS   124875105        6813       184144 SH
  CCB                              MUTUAL FUNDS-EQ 12500E307       66959      3167421 PRN
  CCB                              MUTUAL FUNDS-EQ 12500E307        6586       311537 PRN
  CMS ENERGY CORP                  COMMON STOCKS   125896100         323        14590 SH
  CMS ENERGY CORP                  COMMON STOCKS   125896100         173         7800 SH
  CP&L ENERGY                      COMMON STOCKS   12614C106        2415        75626 SH
  CP&L ENERGY                      COMMON STOCKS   12614C106          43         1335 SH
  CSX CORP                         COMMON STOCKS   126408103         185         8713 SH
  CSX CORP                         COMMON STOCKS   126408103         107         5066 SH
  CVS CORPORATION                  COMMON STOCKS   126650100         340         8500 SH
  CVS CORPORATION                  COMMON STOCKS   126650100          52         1300 SH
  CALPINE CORPORATION              COMMON STOCKS   131347106         927        14100 SH
  CALPINE CORPORATION              COMMON STOCKS   131347106          99         1500 SH
  CAP ONE FINANCIAL CORP           COMMON STOCKS   14040H105        7340       164481 SH
  CAP ONE FINANCIAL CORP           COMMON STOCKS   14040H105         203         4550 SH
  CARNIVAL CORP.                   COMMON STOCKS   143658102         224        11500 SH
  CARNIVAL CORP.                   COMMON STOCKS   143658102         207        10600 SH
  CENTURA BKS INC                  COMMON STOCKS   15640T100         886        26111 SH
  CENTURA BKS INC                  COMMON STOCKS   15640T100        1274        37550 SH
  CHASE MANHATTAN CORP             COMMON STOCKS   16161A108         267         5802 SH
  CHASE MANHATTAN CORP             COMMON STOCKS   16161A108         270         5862 SH
  CHEVRON CORP                     COMMON STOCKS   166751107        1264        14898 SH
  CHEVRON CORP                     COMMON STOCKS   166751107         239         2816 SH
  CIRCUIT CITY STORES INC          COMMON STOCKS   172737108         185         5565 SH
  CIRCUIT CITY STORES INC          COMMON STOCKS   172737108          83         2500 SH
  CISCO SYSTEMS                    COMMON STOCKS   17275R102       16595       261074 SH
  CISCO SYSTEMS                    COMMON STOCKS   17275R102        3183        50076 SH
  CISCO SYSTEMS                    COMMON STOCKS   17275R102         190         2996 SH
  CITIGROUP INC                    COMMON STOCKS   172967101        1745        28960 SH
  CITIGROUP INC                    COMMON STOCKS   172967101        1607        26673 SH
  CLAYTON HOMES INC                COMMON STOCKS   184190106         223        27927 SH
  CLEAR CHANNEL COMMUNICATIONS     COMMON STOCKS   184502102         415         5537 SH
  CLEAR CHANNEL COMMUNICATIONS     COMMON STOCKS   184502102         158         2100 SH
  COCA COLA CO                     COMMON STOCKS   191216100        4644        80854 SH
  COCA COLA CO                     COMMON STOCKS   191216100         310         5400 SH
  COLGATE PALMOLIVE CO             COMMON STOCKS   194162103        1185        19793 SH
  COLGATE PALMOLIVE CO             COMMON STOCKS   194162103         263         4400 SH
  COMMSCOPE INC                    COMMON STOCKS   203372107        2333        56910 SH
  COMMSCOPE INC                    COMMON STOCKS   203372107         256         6250 SH
  COMPAQ COMPUTER CORP             COMMON STOCKS   204493100        1868        73090 SH
  COMPAQ COMPUTER CORP             COMMON STOCKS   204493100         215         8418 SH
  COMPAQ COMPUTER CORP             COMMON STOCKS   204493100          13          500 SH
  COMPUTER ASSOC INT'L INC         COMMON STOCKS   204912109         177         3460 SH
  COMPUTER ASSOC INT'L INC         COMMON STOCKS   204912109          26          500 SH
  COMPUTER SCIENCES CORP           COMMON STOCKS   205363104         300         4020 SH
  COMPUTER SCIENCES CORP           COMMON STOCKS   205363104         444         5950 SH
  CONE MILLS CORP                  COMMON STOCKS   206814105          59         9500 SH
  CONE MILLS CORP                  COMMON STOCKS   206814105         340        54942 SH
  CORNING INC                      COMMON STOCKS   219350105         843         3123 SH
  DALLAS SEMICONDUCTOR CORP        COMMON STOCKS   235204104         139         3400 SH
  DALLAS SEMICONDUCTOR CORP        COMMON STOCKS   235204104         342         8400 SH
  DANAHER CORP                     COMMON STOCKS   235851102          72         1447 SH
  DANAHER CORP                     COMMON STOCKS   235851102         447         9041 SH
  DELHAIZE AMERICA                 COMMON STOCKS   246688204         356        23132 SH
  DELHAIZE AMERICA                 COMMON STOCKS   246688204         138         9000 SH
  DELL COMPUTER CORP               COMMON STOCKS   247025109         261         5290 SH
  DENTSPLY INTERNATIONAL INC       COMMON STOCKS   249030107        1000        32450 SH
  DIEBOLD INC                      COMMON STOCKS   253651103        1684        60410 SH
  DIEBOLD INC                      COMMON STOCKS   253651103          52         1878 SH
  DISNEY WALT CO                   COMMON STOCKS   254687106        1496        38553 SH
  DISNEY WALT CO                   COMMON STOCKS   254687106         198         5100 SH
  DIMENSIONAL HOLDINGS INC         COMMON STOCKS   254999R15           0        57579 SH
  DOMINION RESOURCES               COMMON STOCKS   25746U109         172         4004 SH
  DOMINION RESOURCES               COMMON STOCKS   25746U109          46         1062 SH
  DOVER CORP                       COMMON STOCKS   260003108         663        16334 SH
  DOW CHEM CO                      COMMON STOCKS   260543103         370        12258 SH
  DOW CHEM CO                      COMMON STOCKS   260543103          12          405 SH
  DREYFUS FD                       MUTUAL FUNDS-EQ 262003106         155        12123 PRN
  DU PONT E I DE NEMOURS & CO      COMMON STOCKS   263534109         629        14369 SH
  DU PONT E I DE NEMOURS & CO      COMMON STOCKS   263534109         684        15645 SH
  DU PONT E I DE NEMOURS & CO      COMMON STOCKS   263534109         131         3000 SH
  DUFF & PHELPS UTILS INCOME INC   CLOSED END FUND 264324104         176        18300 PRN
  DUKE ENERGY CORP                 COMMON STOCKS   264399106        3482        61763 SH
  DUKE ENERGY CORP                 COMMON STOCKS   264399106         655        11626 SH
  DUKE ENERGY CORP                 COMMON STOCKS   264399106          51          906 SH
  EMC CORP                         COMMON STOCKS   268648102       24510       318573 SH
  EMC CORP                         COMMON STOCKS   268648102        6370        82800 SH
  EASTMAN KODAK CO                 COMMON STOCKS   277461109         362         6084 SH
  EASTMAN KODAK CO                 COMMON STOCKS   277461109         295         4950 SH
  EATON CORP                       COMMON STOCKS   278058102        1166        17400 SH
  EATON CORP                       COMMON STOCKS   278058102         817        12200 SH
  EMERSON ELECTRIC CO              COMMON STOCKS   291011104         353         5840 SH
  EMERSON ELECTRIC CO              COMMON STOCKS   291011104         258         4276 SH
  ENERGIZER HOLDINGS               COMMON STOCKS   29266R108         208        11380 SH
  ENRON CORP                       COMMON STOCKS   293561106         298         4619 SH
  ENRON CORP                       COMMON STOCKS   293561106         104         1620 SH
  ENTREMED INC                     COMMON STOCKS   29382F103         308        10304 SH
  EQUITABLE RES INC                COMMON STOCKS   294549100         326         6750 SH
  EQUITY INCOME FD                 COMMON STOCKS   294700703        5228        29960 SH
  EQUITY INCOME FD                 COMMON STOCKS   294700703         663         3800 SH
  REAL ESTATE INCOME               MUTUAL FUNDS-EQ 294710702          23        25536 PRN
  EXODUS COMMUNICATIONS INC        COMMON STOCKS   302088109        1354        29400 SH
  EXODUS COMMUNICATIONS INC        COMMON STOCKS   302088109          18          400 SH
  EXXON MOBIL CORP                 COMMON STOCKS   30231G102       17162       218619 SH
  EXXON MOBIL CORP                 COMMON STOCKS   30231G102        4216        53702 SH
  FAMILY DLR STORES INC            COMMON STOCKS   307000109         553        28250 SH
  FEDERAL HOME LOAN MORTGAGE CORP  COMMON STOCKS   313400301         446        11022 SH
  FEDERAL HOME LOAN MORTGAGE CORP  COMMON STOCKS   313400301          81         2000 SH
  FEDERAL HOME LOAN MORTGAGE CORP  COMMON STOCKS   313400301          20          500 SH
  FEDERAL NATIONAL MORTGAGE ASSN   COMMON STOCKS   313586109        3837        73516 SH
  FEDERAL NATIONAL MORTGAGE ASSN   COMMON STOCKS   313586109         295         5662 SH
  FEDERAL NATIONAL MORTGAGE ASSN   COMMON STOCKS   313586109          26          500 SH
  FEDERATED                        MUTUAL FUNDS-FI 314184102        1009        93105 PRN
  FEDERATED                        MUTUAL FUNDS-FI 314184102         251        23195 PRN
  FEDERATED INCOME TRUST           MUTUAL FUNDS-FI 314199100         174        17600 PRN
  FEDERATED INCOME TRUST           MUTUAL FUNDS-FI 314199100          34         3485 PRN
  FEDERATED                        MUTUAL FUNDS-FI 31420C209          93        10921 PRN
  FEDERATED                        MUTUAL FUNDS-FI 31420C407       61054      6420017 PRN
  FEDERATED                        MUTUAL FUNDS-FI 31420C407         175        18372 PRN
  FEDERATED                        MUTUAL FUNDS-FI 31420C407        3640       382704 PRN
  FEDERATED SHORT INTER MUN TR SH  MUTUAL FUNDS-FI 314280108          28         2829 PRN
  FEDERATED SHORT INTER MUN TR SH  MUTUAL FUNDS-FI 314280108         160        15973 PRN
  FEDEX CORP                       COMMON STOCKS   31428X106        1652        43466 SH
  FEDEX CORP                       COMMON STOCKS   31428X106         532        14000 SH
  FIDELITY ADV INST EQUITY GROWTH  MUTUAL FUNDS-EQ 315805101        1910        25065 PRN
  FIDELITY ADV INST EQUITY GROWTH  MUTUAL FUNDS-EQ 315805101         147         1930 PRN
  FIDELITY MID-CAP STOCK FD        MUTUAL FUNDS-EQ 316128404         247         9859 PRN
  FIDELITY NATIONAL FINL INC       COMMON STOCKS   316326107         192        10488 SH
  FIRST CITIZENS BCSHS             COMMON STOCKS   31946M103         256         4300 SH
  FIRST UNION CORP                 COMMON STOCKS   337358105        1255        50589 SH
  FIRST UNION CORP                 COMMON STOCKS   337358105         109         4373 SH
  FIRST UNION CORP                 COMMON STOCKS   337358105          10          400 SH
  FLOWERS INDS INC                 COMMON STOCKS   343496105        1844        92475 SH
  FLOWERS INDS INC                 COMMON STOCKS   343496105         379        19000 SH
  FORD MTR CO                      COMMON STOCKS   345370100        2066        48046 SH
  FORD MTR CO                      COMMON STOCKS   345370100           5          108 SH
  FORD MTR CO                      COMMON STOCKS   345370100         315         7326 SH
  FORTUNE BRANDS INC               COMMON STOCKS   349631101         643        27900 SH
  FORTUNE BRANDS INC               COMMON STOCKS   349631101         231        10000 SH
  THE FORTRESS CORPORATION         COMMON STOCKS   349999R12           0       211572 SH
  FRANKLIN                         MUTUAL FUNDS-EQ 35251D103        2752        51100 PRN
  FRANKLIN                         MUTUAL FUNDS-EQ 35251D103         122         2257 PRN
  FRANKLIN                         MUTUAL FUNDS-FI 353496607         120        18334 PRN
  FRANKLIN                         MUTUAL FUNDS-EQ 354713109        2475        50128 PRN
  FRANKLIN                         MUTUAL FUNDS-EQ 354713109         200         4058 PRN
  FRANKLIN                         MUTUAL FUNDS-FI 354723793         605        53718 PRN
  FRANKLIN                         MUTUAL FUNDS-FI 354723793          41         3647 PRN
  GTE CORP                         COMMON STOCKS   362320103        1166        18735 SH
  GTE CORP                         COMMON STOCKS   362320103         455         7316 SH
  GALLAHER GROUP PLC ADR           COMMON STOCKS   363595109         430        20072 SH
  GAP INC                          COMMON STOCKS   364760108         281         9000 SH
  GAP INC                          COMMON STOCKS   364760108         105         3374 SH
  GATEWAY INC                      COMMON STOCKS   367626108        1742        30690 SH
  GATEWAY INC                      COMMON STOCKS   367626108         556         9800 SH
  GENERAL ELEC CO                  COMMON STOCKS   369604103       30473       574964 SH
  GENERAL ELEC CO                  COMMON STOCKS   369604103        6886       129920 SH
  GENERAL ELEC CO                  COMMON STOCKS   369604103         127         2400 SH
  GENERAL MILLS INC                COMMON STOCKS   370334104         258         6734 SH
  GENERAL MILLS INC                COMMON STOCKS   370334104         184         4800 SH
  GENERAL MTRS CORP                COMMON STOCKS   370442105         508         8744 SH
  GENERAL MTRS CORP                COMMON STOCKS   370442105           3           60 SH
  GENERAL MTRS CORP                COMMON STOCKS   370442105          56          968 SH
  GENERAL MTRS CORP                COMMON STOCKS   370442832         278         3163 SH
  GENERAL MTRS CORP                COMMON STOCKS   370442832         630         7185 SH
  GENTEX CORP                      COMMON STOCKS   371901109        3601       143320 SH
  GENTEX CORP                      COMMON STOCKS   371901109         271        10800 SH
  GENLYTE GROUP INC                COMMON STOCKS   372302109         572        27135 SH
  GENLYTE GROUP INC                COMMON STOCKS   372302109         238        11300 SH
  GERBER SCIENTIFIC INC            COMMON STOCKS   373730100          89         7775 SH
  GERBER SCIENTIFIC INC            COMMON STOCKS   373730100         131        11350 SH
  GILLETTE CO                      COMMON STOCKS   375766102        1412        40415 SH
  GILLETTE CO                      COMMON STOCKS   375766102         108         3100 SH
  GLAXO PLC SPONSORED ADR          COMMON STOCKS   37733W105         701        12133 SH
  GLAXO PLC SPONSORED ADR          COMMON STOCKS   37733W105         219         3787 SH
  GLOBAL MARINE INC                COMMON STOCKS   379352404         758        26875 SH
  GLOBAL MARINE INC                COMMON STOCKS   379352404          14          500 SH
  GOLDMAN SACHS                    MUTUAL FUNDS-FI 38141W208         610        63716 PRN
  GOLDMAN SACHS                    MUTUAL FUNDS-FI 38141W208          58         6062 PRN
  GOLDMAN SACHS                    MUTUAL FUNDS-FI 38141W307        1242       131982 PRN
  GOLDMAN SACHS                    MUTUAL FUNDS-FI 38141W307         168        17887 PRN
  GOLDMAN SACHS                    MUTUAL FUNDS-EQ 38142B146        5542       196802 PRN
  GOLDMAN SACHS                    MUTUAL FUNDS-EQ 38142B146          70         2502 PRN
  GREY ADVERTISING INC             COMMON STOCKS   397838103         849         1632 SH
  GREY ADVERTISING INC             COMMON STOCKS   397838103         426          820 SH
  HALLIBURTON CO                   COMMON STOCKS   406216101         229         4850 SH
  HALLIBURTON CO                   COMMON STOCKS   406216101           9          200 SH
  HALLIBURTON CO                   COMMON STOCKS   406216101          24          500 SH
  HARBOR                           MUTUAL FUNDS-EQ 411511504        8750       165869 PRN
  HARBOR                           MUTUAL FUNDS-EQ 411511504         333         6317 PRN
  HARRIS CORP                      COMMON STOCKS   413875105        2990        91300 SH
  HARRIS CORP                      COMMON STOCKS   413875105         350        10675 SH
  HEINZ H J CO                     COMMON STOCKS   423074103        1900        43424 SH
  HEINZ H J CO                     COMMON STOCKS   423074103         302         6900 SH
  HEINZ H J CO                     COMMON STOCKS   423074103          20          450 SH
  HEWLETT PACKARD CO               COMMON STOCKS   428236103        2910        23300 SH
  HEWLETT PACKARD CO               COMMON STOCKS   428236103        1480        11850 SH
  HEWLETT PACKARD CO               COMMON STOCKS   428236103          62          500 SH
  HOME DEPOT INC                   COMMON STOCKS   437076102        2315        46356 SH
  HOME DEPOT INC                   COMMON STOCKS   437076102         350         7017 SH
  HONEYWELL INTERNATIONAL (NEW)    COMMON STOCKS   438516106        2272        67448 SH
  HONEYWELL INTERNATIONAL (NEW)    COMMON STOCKS   438516106         490        14539 SH
  HOUSEHOLD INTL INC               COMMON STOCKS   441815107        3457        83182 SH
  HOUSEHOLD INTL INC               COMMON STOCKS   441815107         150         3600 SH
  HUBBELL HARVEY INC               COMMON STOCKS   443510201         706        27667 SH
  HUBBELL HARVEY INC               COMMON STOCKS   443510201          65         2552 SH
  IDG BOOKS WORLDWIDE INC          COMMON STOCKS   449384106        1788       197250 SH
  IDG BOOKS WORLDWIDE INC          COMMON STOCKS   449384106         458        50500 SH
  IHOP CORP                        COMMON STOCKS   449623107        1615        96400 SH
  IHOP CORP                        COMMON STOCKS   449623107         230        13750 SH
  INGERSOLL RAND CO                COMMON STOCKS   456866102         714        17727 SH
  INGERSOLL RAND CO                COMMON STOCKS   456866102         466        11575 SH
  INTEL CORP                       COMMON STOCKS   458140100       20663       154565 SH
  INTEL CORP                       COMMON STOCKS   458140100       12617        94375 SH
  IBM CORP                         COMMON STOCKS   459200101        3692        33701 SH
  IBM CORP                         COMMON STOCKS   459200101        2030        18524 SH
  INTERNATIONAL PAPER CO           COMMON STOCKS   460146103         830        27856 SH
  INTERNATIONAL PAPER CO           COMMON STOCKS   460146103         382        12820 SH
  FEDERATED                        MUTUAL FUNDS-IN 46031P308        2328        83638 PRN
  FEDERATED                        MUTUAL FUNDS-IN 46031P308          51         1814 PRN
  INTERPUBLIC GROUP                COMMON STOCKS   460690100        3132        72830 SH
  INTERPUBLIC GROUP                COMMON STOCKS   460690100         452        10500 SH
  SCUDDER                          MUTUAL FUNDS-EQ 460965882         840        31464 PRN
  SCUDDER                          MUTUAL FUNDS-EQ 460965882          65         2423 PRN
  INTIMATE BRANDS                  COMMON STOCKS   461156101         507        25670 SH
  INVESTORS TITLE INS CO           COMMON STOCKS   461804106         147        14000 SH
  INVESTORS TITLE INS CO           COMMON STOCKS   461804106          82         7812 SH
  JDS UNIPHASE CORP                COMMON STOCKS   46612J101        2628        21925 SH
  JDS UNIPHASE CORP                COMMON STOCKS   46612J101        3760        31366 SH
  JANUS                            MUTUAL FUNDS-EQ 471023101        1007        22186 PRN
  JANUS                            MUTUAL FUNDS-EQ 471023101         509        11219 PRN
  JANUS                            MUTUAL FUNDS-IN 471023309         668         8535 PRN
  JANUS                            MUTUAL FUNDS-IN 471023309         941        12026 PRN
  JANUS                            MUTUAL FUNDS-EQ 471023804         450         5680 PRN
  JEFFERSON PILOT CORP             COMMON STOCKS   475070108        4353        77133 SH
  JEFFERSON PILOT CORP             COMMON STOCKS   475070108        2424        42959 SH
  JOHNSON & JOHNSON                COMMON STOCKS   478160104        4674        45878 SH
  JOHNSON & JOHNSON                COMMON STOCKS   478160104        1890        18550 SH
  JOHNSON & JOHNSON                COMMON STOCKS   478160104          41          400 SH
  KANSAS CITY SOUTHN INDS INC      COMMON STOCKS   485170104         302         3400 SH
  KANSAS CITY SOUTHN INDS INC      COMMON STOCKS   485170104        1747        19700 SH
  KELLOGG CO                       COMMON STOCKS   487836108         297         9980 SH
  KENAN TRANS CO                   COMMON STOCKS   488539107         238        11520 SH
  KEYCORP NEW                      COMMON STOCKS   493267108         357        20278 SH
  KEYCORP NEW                      COMMON STOCKS   493267108          96         5424 SH
  KIMBERLY CLARK CORP              COMMON STOCKS   494368103         522         9105 SH
  KIMBERLY CLARK CORP              COMMON STOCKS   494368103          92         1600 SH
  KOHLS CORPORATION                COMMON STOCKS   500255104         467         8400 SH
  KOHLS CORPORATION                COMMON STOCKS   500255104         111         2000 SH
  KROGER CO                        COMMON STOCKS   501044101         297        13470 SH
  LA-Z-BOY CHAIR CO                COMMON STOCKS   505336107         465        33225 SH
  LANIER WORLDWIDE                 COMMON STOCKS   51589L105          95        94550 SH
  LANIER WORLDWIDE                 COMMON STOCKS   51589L105          22        22175 SH
  LEXMARK INTL GROUP INC CL A      COMMON STOCKS   529771107        4399        65417 SH
  LEXMARK INTL GROUP INC CL A      COMMON STOCKS   529771107         430         6400 SH
  ELI LILLY                        COMMON STOCKS   532457108        2046        20481 SH
  ELI LILLY                        COMMON STOCKS   532457108          25          250 SH
  LINCARE HLD INC                  COMMON STOCKS   532791100         543        22050 SH
  LINCARE HLD INC                  COMMON STOCKS   532791100          22          900 SH
  LINCOLN ELECTRIC HOLDINGS        COMMON STOCKS   533900106         549        38525 SH
  LINCOLN ELECTRIC HOLDINGS        COMMON STOCKS   533900106         147        10325 SH
  LOCKHEED MARTIN CORP             COMMON STOCKS   539830109         351        14162 SH
  LOOMIS SAYLES                    MUTUAL FUNDS-FI 543487607        6132       525455 PRN
  LOOMIS SAYLES                    MUTUAL FUNDS-FI 543487607           4          368 PRN
  LOWES COS INC                    COMMON STOCKS   548661107        5503       134018 SH
  LOWES COS INC                    COMMON STOCKS   548661107         485        11800 SH
  LOWES COS INC                    COMMON STOCKS   548661107          25          600 SH
  LUCENT TECHNOLOGIES INC          COMMON STOCKS   549463107        5275        89037 SH
  LUCENT TECHNOLOGIES INC          COMMON STOCKS   549463107           7          116 SH
  LUCENT TECHNOLOGIES INC          COMMON STOCKS   549463107        1070        18064 SH
  LUCENT TECHNOLOGIES INC          COMMON STOCKS   549463107          47          800 SH
  MFS                              CLOSED END FUND 55273C107        3579       566994 PRN
  MAS                              MUTUAL FUNDS-EQ 552913782        2117        64115 PRN
  MAS                              MUTUAL FUNDS-EQ 552913782          35         1067 PRN
  MFS HIGH INCOME FUND             MUTUAL FUNDS-FI 552984601        5275      1108203 PRN
  MFS HIGH INCOME FUND             MUTUAL FUNDS-FI 552984601         677       142211 PRN
  MMC NETWORKS INC                 COMMON STOCKS   55308N102         363         6800 SH
  MTS SYS CORP                     COMMON STOCKS   553777103          28         4500 SH
  MTS SYS CORP                     COMMON STOCKS   553777103          56         9000 SH
  MACROMEDIA INC                   COMMON STOCKS   556100105          19          200 SH
  MACROMEDIA INC                   COMMON STOCKS   556100105         515         5326 SH
  MALLINCKRODT INC                 COMMON STOCKS   561232109         737        16975 SH
  MANAGERS                         MUTUAL FUNDS-EQ 561717208        1822        17683 PRN
  MANAGERS                         MUTUAL FUNDS-EQ 561717208         222         2158 PRN
  MANULIFE FINANCIAL CORP          COMMON STOCKS   56501R106         392        22001 SH
  MARSH & MCLENNAN COS INC         COMMON STOCKS   571748102        1311        12555 SH
  MARSH & MCLENNAN COS INC         COMMON STOCKS   571748102         303         2900 SH
  MARTIN MARIETTA MATERIALS, INC.  COMMON STOCKS   573284106        2172        53720 SH
  MARTIN MARIETTA MATERIALS, INC.  COMMON STOCKS   573284106         437        10800 SH
  MASCO CORP                       COMMON STOCKS   574599106          94         5180 SH
  MASCO CORP                       COMMON STOCKS   574599106          92         5100 SH
  MFS                              MUTUAL FUNDS-EQ 575719406        5596       264574 PRN
  MFS                              MUTUAL FUNDS-EQ 575719406           3          123 PRN
  MCDONALDS CORP                   COMMON STOCKS   580135101        1163        35320 SH
  MCDONALDS CORP                   COMMON STOCKS   580135101         148         4500 SH
  MCGRAW HILL INC                  COMMON STOCKS   580645109        2205        40835 SH
  MCGRAW HILL INC                  COMMON STOCKS   580645109         308         5700 SH
  MEDIAONE GROUP INC               COMMON STOCKS   58440J104         311         4704 SH
  MEDIAONE GROUP INC               COMMON STOCKS   58440J104          63          946 SH
  MEDTRONIC INC                    COMMON STOCKS   585055106        5564       111706 SH
  MEDTRONIC INC                    COMMON STOCKS   585055106        6914       138794 SH
  MERCK & CO INC                   COMMON STOCKS   589331107       11556       150813 SH
  MERCK & CO INC                   COMMON STOCKS   589331107        3204        41814 SH
  MERCK & CO INC                   COMMON STOCKS   589331107          38          500 SH
  MERRILL LYNCH & CO INC           COMMON STOCKS   590188108         287         2495 SH
  MERRILL LYNCH & CO INC           COMMON STOCKS   590188108          16          140 SH
  MICROSOFT CORP                   COMMON STOCKS   594918104        7951        99382 SH
  MICROSOFT CORP                   COMMON STOCKS   594918104        1822        22780 SH
  MINNESOTA MNG & MFG CO           COMMON STOCKS   604059105         560         6790 SH
  MINNESOTA MNG & MFG CO           COMMON STOCKS   604059105         367         4450 SH
  MOLEX INC                        COMMON STOCKS   608554101         263         5468 SH
  MORGAN J P & CO INC              COMMON STOCKS   616880100         629         5715 SH
  MORGAN J P & CO INC              COMMON STOCKS   616880100          22          200 SH
  MORGAN J P & CO INC              COMMON STOCKS   616880100          22          200 SH
  MORGAN ST DEAN WITTER            COMMON STOCKS   617446448        1713        20579 SH
  MORGAN ST DEAN WITTER            COMMON STOCKS   617446448         337         4050 SH
  MORGAN STANLEY INSTITUTIONAL FD  MUTUAL FUNDS-IN 61744J408        8826       416513 PRN
  MORGAN STANLEY INSTITUTIONAL FD  MUTUAL FUNDS-IN 61744J408        1566        73912 PRN
  MORGAN STANLEY DEAN WITTER       CLOSED END FUND 61745P106         205        25000 PRN
  MOTOROLA INC                     COMMON STOCKS   620076109        1662        57171 SH
  MOTOROLA INC                     COMMON STOCKS   620076109         966        33225 SH
  FEDERATED                        MUTUAL FUNDS-FI 625922810       29613      2883441 PRN
  FEDERATED                        MUTUAL FUNDS-FI 625922810        2409       234560 PRN
  MUTUAL RISK MANAGEMENT LTD       COMMON STOCKS   628351108          33         1934 SH
  MUTUAL RISK MANAGEMENT LTD       COMMON STOCKS   628351108         174        10064 SH
  FRANKLIN                         MUTUAL FUNDS-EQ 628380206         194        12025 PRN
  NACCO INDUSTRIES                 COMMON STOCKS   629579103         928        26425 SH
  NACCO INDUSTRIES                 COMMON STOCKS   629579103         135         3850 SH
  NATIONAL-OILWELL INC             COMMON STOCKS   637071101        1328        40400 SH
  NATIONAL-OILWELL INC             COMMON STOCKS   637071101          33         1000 SH
  NATIONS                          MUTUAL FUNDS-FI 638582502         846        82985 PRN
  NEXTEL COMMUNICATIONS            COMMON STOCKS   65332V103        1719        28100 SH
  NORFOLK SOUTHERN CORP            COMMON STOCKS   655844108         790        53125 SH
  NORFOLK SOUTHERN CORP            COMMON STOCKS   655844108          47         3182 SH
  NORTEL NETWORKS CORP             COMMON STOCKS   656568102        4622        67720 SH
  NORTEL NETWORKS CORP             COMMON STOCKS   656568102         157         2300 SH
  OAKWOOD HOMES CORP               COMMON STOCKS   674098108          24        13200 SH
  OLD REP INTL CORP                COMMON STOCKS   680223104         319        19348 SH
  OMNICOM GROUP INC COM            COMMON STOCKS   681919106         225         2526 SH
  ORACLE SYSTEMS                   COMMON STOCKS   68389X105       11910       141675 SH
  ORACLE SYSTEMS                   COMMON STOCKS   68389X105        2154        25624 SH
  ORACLE SYSTEMS                   COMMON STOCKS   68389X105         126         1500 SH
  PIMCO                            MUTUAL FUNDS-FI 693390700        5920       593769 PRN
  PIMCO                            MUTUAL FUNDS-FI 693390700         278        27857 PRN
  PACIFIC CAPITAL                  MUTUAL FUNDS-FI 694048208         508        49827 PRN
  PACIFIC CAPITAL                  MUTUAL FUNDS-EQ 694048505        1459        70906 PRN
  PALM BEACH CNTY FLA HEALTH FACS  MUNICIPAL BONDS 696507MH2         316       300000 PRN
  PEOPLES BANK                     COMMON STOCKS   710198102        1478        80425 SH
  PEOPLES BANK                     COMMON STOCKS   710198102          95         5175 SH
  PEOPLES BANK                     COMMON STOCKS   710198102           9          500 SH
  PEPSICO INC                      COMMON STOCKS   713448108        3665        82485 SH
  PEPSICO INC                      COMMON STOCKS   713448108        1927        43370 SH
  PEREGRINE SYSTEMS INC            COMMON STOCKS   71366Q101         215         6200 SH
  PERKINELMER INC                  COMMON STOCKS   714046109         846        12800 SH
  PERKINELMER INC                  COMMON STOCKS   714046109         727        11000 SH
  PETROLEUM & RES CORP             COMMON STOCKS   716549100        2127        57865 SH
  PETROLEUM & RES CORP             COMMON STOCKS   716549100        1014        27599 SH
  PFIZER INC                       COMMON STOCKS   717081103       20183       420478 SH
  PFIZER INC                       COMMON STOCKS   717081103        4855       101152 SH
  PFIZER INC                       COMMON STOCKS   717081103          43          900 SH
  PHARMACIA CORPORATION            COMMON STOCKS   71713U102        2721        52652 SH
  PHARMACIA CORPORATION            COMMON STOCKS   71713U102         160         3100 SH
  PHILIP MORRIS COS INC            COMMON STOCKS   718154107         880        33135 SH
  PHILIP MORRIS COS INC            COMMON STOCKS   718154107         513        19300 SH
  PHYAMERICA PHYSICIAN GROUP       COMMON STOCKS   71940A101           2        10500 SH
  PITNEY-BOWES INC                 COMMON STOCKS   724479100        2296        57403 SH
  PITNEY-BOWES INC                 COMMON STOCKS   724479100         386         9650 SH
  PLANTRONICS INC                  COMMON STOCKS   727493108         116         1000 SH
  PLANTRONICS INC                  COMMON STOCKS   727493108         970         8400 SH
  POST PROPERTIES INC              COMMON STOCKS   737464107         220         5000 SH
  PRICE (T.ROWE) ASSOCIATES        COMMON STOCKS   741477103         493        11600 SH
  PRICE (T.ROWE) ASSOCIATES        COMMON STOCKS   741477103         468        11000 SH
  PROCTER & GAMBLE CO              COMMON STOCKS   742718109        1430        24977 SH
  PROCTER & GAMBLE CO              COMMON STOCKS   742718109          92         1600 SH
  PROVIDIAN FINANCIAL CORP         COMMON STOCKS   74406A102       12694       141049 SH
  PROVIDIAN FINANCIAL CORP         COMMON STOCKS   74406A102        2581        28673 SH
  PRUDENTIAL MUNICIPAL BOND FD     MUTUAL FUNDS-FI 74435L103         220        21674 PRN
  PUTNAM                           CLOSED END FUND 746909100         168        26930 PRN
  QWEST COMMUNICATIONS INTL        COMMON STOCKS   749121109         375         7556 SH
  QWEST COMMUNICATIONS INTL        COMMON STOCKS   749121109           5          100 SH
  RF MICRO DEVICES                 COMMON STOCKS   749941100          35          400 SH
  RF MICRO DEVICES                 COMMON STOCKS   749941100        1052        12000 SH
  RELIASTAR FINL CORP              COMMON STOCKS   75952U103         919        17525 SH
  RELIASTAR FINL CORP              COMMON STOCKS   75952U103         178         3400 SH
  ROCKWELL INTL CORP NEW           COMMON STOCKS   773903109          68         2150 SH
  ROCKWELL INTL CORP NEW           COMMON STOCKS   773903109         228         7232 SH
  ROSS STORES INC                  COMMON STOCKS   778296103         911        53400 SH
  T ROWE PRICE                     MUTUAL FUNDS-EQ 779556109         943        22208 PRN
  T ROWE PRICE                     MUTUAL FUNDS-EQ 779556109          55         1285 PRN
  T ROWE PRICE                     MUTUAL FUNDS-FI 779570100          82        10064 PRN
  T ROWE PRICE                     MUTUAL FUNDS-FI 779570100          30         3683 PRN
  T ROWE PRICE                     MUTUAL FUNDS-EQ 779572106        1869        73618 PRN
  T ROWE PRICE                     MUTUAL FUNDS-EQ 779572106           0           38 PRN
  T ROWE PRICE                     MUTUAL FUNDS-EQ 77957M102         325         5242 PRN
  T ROWE PRICE SMALL-CAP VALUE     MUTUAL FUNDS-EQ 77957Q103         832        43106 PRN
  T ROWE PRICE SMALL-CAP VALUE     MUTUAL FUNDS-EQ 77957Q103          38         1956 PRN
  ROYAL DUTCH PETE CO              COMMON STOCKS   780257804        2098        34079 SH
  ROYAL DUTCH PETE CO              COMMON STOCKS   780257804         302         4900 SH
  RUDDICK CORP                     COMMON STOCKS   781258108         385        32600 SH
  RUDDICK CORP                     COMMON STOCKS   781258108         138        11650 SH
  RYANS FAMILY STEAK HOUSES INC    COMMON STOCKS   783519101        1533       181715 SH
  RYANS FAMILY STEAK HOUSES INC    COMMON STOCKS   783519101         302        35750 SH
  SBC COMMUNICATIONS INC           COMMON STOCKS   78387G103        3602        83290 SH
  SBC COMMUNICATIONS INC           COMMON STOCKS   78387G103         927        21435 SH
  SBC COMMUNICATIONS INC           COMMON STOCKS   78387G103          34          782 SH
  S&P 500 DEPOSITORY RECEIPT       COMMON STOCKS   78462F103        2827        19460 SH
  S&P 500 DEPOSITORY RECEIPT       COMMON STOCKS   78462F103         452         3110 SH
  SAFEGUARD SCIENTIFICS INC        COMMON STOCKS   786449108         501        15625 SH
  ST PAUL COS INC                  COMMON STOCKS   792860108         639        18715 SH
  ST PAUL COS INC                  COMMON STOCKS   792860108          34         1000 SH
  SCANA CORP                       COMMON STOCKS   80589M102         558        23126 SH
  SCHERING PLOUGH CORP             COMMON STOCKS   806605101         797        15790 SH
  SCHERING PLOUGH CORP             COMMON STOCKS   806605101         169         3352 SH
  SCHLUMBERGER LTD                 COMMON STOCKS   806857108        4152        55638 SH
  SCHLUMBERGER LTD                 COMMON STOCKS   806857108         608         8150 SH
  SCHWAB (CHARLES) CORP            COMMON STOCKS   808513105         376        11171 SH
  SCHWAB (CHARLES) CORP            COMMON STOCKS   808513105         650        19340 SH
  SEAGRAM CO LTD "ACES"            COMMON STOCKS   811850106         365         6290 SH
  SELIGMAN                         MUTUAL FUNDS-EQ 816332100         195        13402 PRN
  SELIGMAN                         MUTUAL FUNDS-FI 816346811        2659       351732 PRN
  SEQUOIA                          MUTUAL FUNDS-EQ 817418106        3040        24592 PRN
  SMITHKLINE BEECHAM PLC ADR       COMMON STOCKS   832378301          26          400 SH
  SMITHKLINE BEECHAM PLC ADR       COMMON STOCKS   832378301         196         3000 SH
  SONOCO PRODS CO                  COMMON STOCKS   835495102         617        29989 SH
  SONOCO PRODS CO                  COMMON STOCKS   835495102         111         5411 SH
  SOUTHERN CAPITAL TRUST I         PREFERRED STOCK 842542201           4          436 SH
  SOUTHERN CAPITAL TRUST I         PREFERRED STOCK 842542201          84        10000 SH
  SOUTHERN CO                      COMMON STOCKS   842587107         219         9382 SH
  SOUTHERN CO                      COMMON STOCKS   842587107          21          920 SH
  SOUTHERN CO                      COMMON STOCKS   842587107          19          832 SH
  SPRINT CORP                      COMMON STOCKS   852061100        2594        50861 SH
  SPRINT CORP                      COMMON STOCKS   852061100         936        18352 SH
  SPRINT CORP                      COMMON STOCKS   852061506         574         9644 SH
  SPRINT CORP                      COMMON STOCKS   852061506         510         8574 SH
  STAPLES INC                      COMMON STOCKS   855030102        1116        72597 SH
  STAPLES INC                      COMMON STOCKS   855030102         309        20075 SH
  STATE STREET CORP                COMMON STOCKS   857477103          39          371 SH
  STATE STREET CORP                COMMON STOCKS   857477103         636         6000 SH
  STRONG                           MUTUAL FUNDS-FI 863344107         248        24448 PRN
  STRYKER CORP                     COMMON STOCKS   863667101         795        18170 SH
  STRYKER CORP                     COMMON STOCKS   863667101        3856        88140 SH
  SUN MICROSYSTEMS INC             COMMON STOCKS   866810104        3437        37795 SH
  SUN MICROSYSTEMS INC             COMMON STOCKS   866810104         107         1176 SH
  SUNGARD DATA SYSTEMS INC         COMMON STOCKS   867363103        2948        95096 SH
  SUNGARD DATA SYSTEMS INC         COMMON STOCKS   867363103         279         9000 SH
  SUNTRUST BANKS INC               COMMON STOCKS   867914103        1404        30724 SH
  SUNTRUST BANKS INC               COMMON STOCKS   867914103         359         7847 SH
  SYMANTEC CORP                    COMMON STOCKS   871503108        2671        49525 SH
  SYMANTEC CORP                    COMMON STOCKS   871503108         584        10825 SH
  SYNOPSYS INC                     COMMON STOCKS   871607107        2076        60060 SH
  SYNOPSYS INC                     COMMON STOCKS   871607107         188         5425 SH
  SYNOVUS FINL CORP                COMMON STOCKS   87161C105        2491       141325 SH
  SYNOVUS FINL CORP                COMMON STOCKS   87161C105         867        49177 SH
  SYSTEMAX INC                     COMMON STOCKS   871851101         439       113225 SH
  SYSTEMAX INC                     COMMON STOCKS   871851101         142        36675 SH
  TECO ENERGY INC                  COMMON STOCKS   872375100         617        30740 SH
  TECO ENERGY INC                  COMMON STOCKS   872375100         137         6835 SH
  TELLABS, INC                     COMMON STOCKS   879664100        1095        16000 SH
  TELLABS, INC                     COMMON STOCKS   879664100         445         6500 SH
  TENN VALLEY AUTHORITY            PREFERRED STOCK 880591300        1827        83750 SH
  TEXACO INC                       COMMON STOCKS   881694103         502         9428 SH
  TEXACO INC                       COMMON STOCKS   881694103         250         4700 SH
  TEXACO INC                       COMMON STOCKS   881694103          11          203 SH
  TEXAS INSTRUMENT INC             COMMON STOCKS   882508104          11          156 SH
  TEXAS INSTRUMENT INC             COMMON STOCKS   882508104         330         4800 SH
  3COM CORP                        COMMON STOCKS   885535104        1383        24000 SH
  TOSCO CORP                       COMMON STOCKS   891490302        2527        89270 SH
  TOSCO CORP                       COMMON STOCKS   891490302         127         4500 SH
  TOWER AUTOMOTIVE INC             COMMON STOCKS   891707101        3457       276560 SH
  TOWER AUTOMOTIVE INC             COMMON STOCKS   891707101         225        18000 SH
  TRANSWITCH CORP                  COMMON STOCKS   894065101         452         5850 SH
  TRI CONTL CORP                   CLOSED END FUND 895436103        9154       362550 PRN
  TRI CONTL CORP                   CLOSED END FUND 895436103         693        27463 PRN
  TRICON GLOBAL RESTAURANTS        COMMON STOCKS   895953107         124         4390 SH
  TRICON GLOBAL RESTAURANTS        COMMON STOCKS   895953107          92         3240 SH
  OAK VALUE FD                     MUTUAL FUNDS-EQ 900733106         469        18664 PRN
  TYCO INTERNATIONAL LTD           COMMON STOCKS   902124106        7928       167354 SH
  TYCO INTERNATIONAL LTD           COMMON STOCKS   902124106         961        20290 SH
  UST INC                          COMMON STOCKS   902911106         312        21225 SH
  UNILEVER N V NEW YORK SHS        COMMON STOCKS   904784709           7          160 SH
  UNILEVER N V NEW YORK SHS        COMMON STOCKS   904784709         215         5000 SH
  UNITED                           MUTUAL FUNDS-FI 910450204         110        18330 PRN
  U S WEST INC                     COMMON STOCKS   91273H101        2137        24918 SH
  U S WEST INC                     COMMON STOCKS   91273H101         429         5001 SH
  UNITED STATES TREASURY           U.S. OBLIGATION 912827X23         671       675000 PRN
  UNITED TECHNOLOGIES CORP         COMMON STOCKS   913017109        3003        51007 SH
  UNITED TECHNOLOGIES CORP         COMMON STOCKS   913017109         312         5300 SH
  UNITEDHEALTH GROUP INC           COMMON STOCKS   91324P102         783         9130 SH
  UNITEDHEALTH GROUP INC           COMMON STOCKS   91324P102         206         2400 SH
  UNITEDHEALTH GROUP INC           COMMON STOCKS   91324P102          26          300 SH
  UNIVERSAL HEALTH SVCS INC        COMMON STOCKS   913903100          39          600 SH
  UNIVERSAL HEALTH SVCS INC        COMMON STOCKS   913903100        1192        18200 SH
  VANGUARD                         MUTUAL FUNDS-EQ 921910105        1898        41402 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 921910105         290         6326 PRN
  VANGUARD                         MUTUAL FUNDS-IN 921910204        1180        51133 PRN
  VANGUARD                         MUTUAL FUNDS-FI 921937108         681        70881 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031208         552        77810 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031307        5986       603411 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031307           4          425 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031604         253        25533 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 922908108        5953        44376 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 922908108        2667        19879 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 922908405         132         6157 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 922908405          99         4624 PRN
  VIACOM INC                       COMMON STOCKS   925524308         635         9312 SH
  VIACOM INC                       COMMON STOCKS   925524308           7          108 SH
  VODAFONE GROUP PLC-SPONS ADR     COMMON STOCKS   92857T107         379         9149 SH
  VODAFONE GROUP PLC-SPONS ADR     COMMON STOCKS   92857T107         152         3670 SH
  VODAFONE GROUP PLC-SPONS ADR     COMMON STOCKS   92857T107          26          635 SH
  WACHOVIA CORP                    COMMON STOCKS   929771103         932        17174 SH
  WACHOVIA CORP                    COMMON STOCKS   929771103        1023        18851 SH
  WAL-MART STORES                  COMMON STOCKS   931142103         779        13512 SH
  WAL-MART STORES                  COMMON STOCKS   931142103         317         5500 SH
  WALGREEN CO                      COMMON STOCKS   931422109        1374        42680 SH
  WALGREEN CO                      COMMON STOCKS   931422109         274         8500 SH
  WALLACE COMPUTER SERVICES INC    COMMON STOCKS   932270101         108        10925 SH
  WASHINGTON MUTUAL INC            COMMON STOCKS   939322103        3314       114783 SH
  WASHINGTON MUTUAL INC            COMMON STOCKS   939322103         218         7560 SH
  WASHINGTON POST CO               COMMON STOCKS   939640108         574         1200 SH
  WATSON PHARMACEUTICAL INC        COMMON STOCKS   942683103        4879        90770 SH
  WATSON PHARMACEUTICAL INC        COMMON STOCKS   942683103         435         8100 SH
  WELLS FARGO COMPANY              COMMON STOCKS   949746101          39         1015 SH
  WELLS FARGO COMPANY              COMMON STOCKS   949746101         823        21250 SH
  WELLS FARGO COMPANY              COMMON STOCKS   949746101         217         5600 SH
  WEST MARINE INC                  COMMON STOCKS   954235107         352        51400 SH
  WEST MARINE INC                  COMMON STOCKS   954235107          73        10675 SH
  WORLDCOM                         COMMON STOCKS   98157D106        8976       195659 SH
  WORLDCOM                         COMMON STOCKS   98157D106        1077        23472 SH
  WORLDCOM                         COMMON STOCKS   98157D106          28          600 SH
  XILINX INC                       COMMON STOCKS   983919101          99         1200 SH
  XILINX INC                       COMMON STOCKS   983919101        1090        13200 SH
  XEROX CORP                       COMMON STOCKS   984121103         326        15700 SH
  XEROX CORP                       COMMON STOCKS   984121103         118         5700 SH
  SAP AG PREF SHS VORZUG           PREFERRED STOCK D48468686         111          200 SH
  SAP AG PREF SHS VORZUG           PREFERRED STOCK D48468686        1249         2250 SH
  ROCHE HOLDING                    COMMON STOCKS   H47457728        2732          280 SH
  GILAT SATELLITE NETWORKS LTD     COMMON STOCKS   M51474100          42          600 SH
  GILAT SATELLITE NETWORKS LTD     COMMON STOCKS   M51474100         284         4100 SH
  MEDICAL PRODUCTS SEARCH, INC.    CLOSELY HELD CO SU0776009           0        15000 SH
  ELECTRIC SUPPLY CO. OF NC, INC.  CLOSELY HELD CO SU0789002        3136        37228 SH
  DESCO, INC                       CLOSELY HELD CO SU1023005        1814         8720 SH

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

  AFLAC INC                       SOLE                  39636
  AFLAC INC                       OTHER                 10200
  AT&T CORP                       SOLE                  78159
  AT&T CORP                       DEFINED               135
  AT&T CORP                       OTHER                 11137
  AT&T CORP                       DEF/OTH               749
  AXA FINANCIAL INC               SOLE                  20000
  AXA FINANCIAL INC               SOLE                                            270
  ABBOTT LABS                     SOLE                  112366
  ABBOTT LABS                     OTHER                 29175
  ABERCROMBIE & FITCH CO          SOLE                  100400
  ABERCROMBIE & FITCH CO          OTHER                 10000
  ADAPTEC INC                     SOLE                  49850
  ROWE CORP                       SOLE                  20000
  AEGON N V                       SOLE                  145600
  AEGON N V                       SOLE                                            15054
  AEGON N V                       OTHER                 31644
  AGILENT TECHNOLOGIES INC        SOLE                  8726
  AGILENT TECHNOLOGIES INC        OTHER                 4743
  AGILENT TECHNOLOGIES INC        DEF/OTH               190
  ROSEMYR CORP                    SOLE                  6898
  ROSEMYR CORP                    OTHER                 6745
  ALBERTSONS INC                  SOLE                  100
  ALBERTSONS INC                  OTHER                 23184
  ALLEGHANY CORP                  OTHER                 1343
  ALLEGHENY ENERGY INC            SOLE                  6905
  ALLEGHENY ENERGY INC            OTHER                 1800
  ALLIANCE GROWTH                 SOLE                  6031
  ALLSTATE CORPORATION            SOLE                  7226
  ALLSTATE CORPORATION            OTHER                 5959
  ALLTEL CORP                     SOLE                  2757
  ALLTEL CORP                     OTHER                 2697
  ALPHA INDS INC                  OTHER                 7650
  ALTERA CORP                     SOLE                  3628
  ALTERA CORP                     SOLE                                            95
  ALTERA CORP                     OTHER                 5400
  AMERICAN CENTURY                SOLE                  200900
  AMERICAN CENTURY                SOLE                                            4260
  AMERICAN CENTURY                OTHER                 108
  AMERICAN ELEC PWR INC           SOLE                  5622
  AMERICAN ELEC PWR INC           OTHER                 1618
  AMERICAN GEN CORP               SOLE                  1937
  AMERICAN GEN CORP               SOLE                                            200
  AMERICAN GEN CORP               OTHER                 5970
  AMERICAN HOME PRODS CORP        SOLE                  150746
  AMERICAN HOME PRODS CORP        SOLE                               175
  AMERICAN HOME PRODS CORP        SOLE                                            776
  AMERICAN HOME PRODS CORP        OTHER                 41375
  AMERICAN INTL GROUP INC         SOLE                  29630
  AMERICAN INTL GROUP INC         SOLE                                            81
  AMERICAN INTL GROUP INC         OTHER                 2625
  AMETEK INC                      SOLE                  75750
  AMETEK INC                      OTHER                 7325
  AMGEN INC                       SOLE                  63728
  AMGEN INC                       SOLE                                            50
  AMGEN INC                       OTHER                 5500
  ANHEUSER BUSCH COMPANIES        SOLE                  6738
  ANHEUSER BUSCH COMPANIES        SOLE                                            400
  ANHEUSER BUSCH COMPANIES        OTHER                 10400
  AON CORP                        SOLE                  7262
  AON CORP                        OTHER                 1828
  APPLIED MATERIALS INC           SOLE                  135885
  APPLIED MATERIALS INC           SOLE                                            700
  APPLIED MATERIALS INC           OTHER                 27500
  AUTODESK INC.                   SOLE                  41975
  AUTODESK INC.                   OTHER                 4250
  AUTOMATIC DATA PROCESSING INC   SOLE                  58179
  AUTOMATIC DATA PROCESSING INC   SOLE                                            150
  AUTOMATIC DATA PROCESSING INC   OTHER                 5180
  AUTOMATIC DATA PROCESSING INC   DEF/OTH               600
  AVERY DENNISON CORP             OTHER                 4000
  AVNET INC                       SOLE                  11000
  BB & T CORPORATION              SOLE                  59451
  BB & T CORPORATION              OTHER                 400
  BP AMOCO PLC                    SOLE                  89442
  BP AMOCO PLC                    SOLE                                            528
  BP AMOCO PLC                    OTHER                 13219
  BMC SOFTWARE INC                SOLE                  13900
  BANK OF AMERICA CORP            SOLE                  49051
  BANK OF AMERICA CORP            OTHER                 26617
  BANK OF NEW YORK INC            SOLE                  4900
  BANK OF NEW YORK INC            OTHER                 22400
  BANK ONE CORP                   SOLE                  6842
  BANK ONE CORP                   OTHER                 983
  BAUSCH & LOMB INC               SOLE                  786
  BAUSCH & LOMB INC               SOLE                                            145
  BAUSCH & LOMB INC               OTHER                 2182
  BAXTER INTL INC                 SOLE                  3860
  BAXTER INTL INC                 OTHER                 70
  BECKMAN COULTER, INC.           SOLE                  37474
  BECKMAN COULTER, INC.           OTHER                 3500
  BELL ATLANTIC CORP              SOLE                  31805
  BELL ATLANTIC CORP              SOLE                               150
  BELL ATLANTIC CORP              SOLE                                            100
  BELL ATLANTIC CORP              OTHER                 11162
  BELLSOUTH CORP                  SOLE                  44754
  BELLSOUTH CORP                  SOLE                               800
  BELLSOUTH CORP                  SOLE                                            200
  BELLSOUTH CORP                  DEFINED               608
  BELLSOUTH CORP                  OTHER                 13404
  BERKSHIRE HATHAWAY INC          SOLE                  1
  BERKSHIRE HATHAWAY INC          OTHER                 180
  BERKSHIRE HATHAWAY INC          SOLE                  270
  BERKSHIRE HATHAWAY INC          OTHER                 22
  BLOCK H & R INC                 SOLE                  26700
  BLOCK H & R INC                 SOLE                                            75
  BLOCK H & R INC                 OTHER                 2900
  BOEING CO                       SOLE                  14645
  BOEING CO                       OTHER                 13552
  BRANDYWINE FD INC               OTHER                 7928
  BRISTOL MYERS SQUIBB CO         SOLE                  47392
  BRISTOL MYERS SQUIBB CO         SOLE                                            1400
  BRISTOL MYERS SQUIBB CO         OTHER                 13000
  CCB FINL CORP                   SOLE                  1802329
  CCB FINL CORP                   SOLE                                            65159
  CCB FINL CORP                   DEFINED               18400
  CCB FINL CORP                   OTHER                 149686
  CCB FINL CORP                   OTHER                                           34458
  CCB                             SOLE                  3160901
  CCB                             SOLE                                            6520
  CCB                             OTHER                 303319
  CCB                             OTHER                                           8218
  CMS ENERGY CORP                 SOLE                  14390
  CMS ENERGY CORP                 SOLE                                            200
  CMS ENERGY CORP                 OTHER                 7800
  CP&L ENERGY                     SOLE                  75626
  CP&L ENERGY                     OTHER                 1335
  CSX CORP                        SOLE                  8713
  CSX CORP                        OTHER                 5066
  CVS CORPORATION                 SOLE                  8500
  CVS CORPORATION                 OTHER                 1300
  CALPINE CORPORATION             SOLE                  14100
  CALPINE CORPORATION             OTHER                 1500
  CAP ONE FINANCIAL CORP          SOLE                  164481
  CAP ONE FINANCIAL CORP          OTHER                 4550
  CARNIVAL CORP.                  SOLE                  11500
  CARNIVAL CORP.                  OTHER                 10600
  CENTURA BKS INC                 SOLE                  23556
  CENTURA BKS INC                 SOLE                                            2555
  CENTURA BKS INC                 OTHER                 37550
  CHASE MANHATTAN CORP            SOLE                  5202
  CHASE MANHATTAN CORP            SOLE                                            600
  CHASE MANHATTAN CORP            OTHER                 5862
  CHEVRON CORP                    SOLE                  14698
  CHEVRON CORP                    SOLE                                            200
  CHEVRON CORP                    OTHER                 2816
  CIRCUIT CITY STORES INC         SOLE                  5365
  CIRCUIT CITY STORES INC         SOLE                                            200
  CIRCUIT CITY STORES INC         OTHER                 2500
  CISCO SYSTEMS                   SOLE                  260274
  CISCO SYSTEMS                   SOLE                                            800
  CISCO SYSTEMS                   OTHER                 49876
  CISCO SYSTEMS                   OTHER                                           200
  CISCO SYSTEMS                   DEF/OTH               2996
  CITIGROUP INC                   SOLE                  28800
  CITIGROUP INC                   SOLE                                            160
  CITIGROUP INC                   OTHER                 26523
  CITIGROUP INC                   OTHER                              150
  CLAYTON HOMES INC               SOLE                  27927
  CLEAR CHANNEL COMMUNICATIONS    SOLE                  5537
  CLEAR CHANNEL COMMUNICATIONS    OTHER                 2100
  COCA COLA CO                    SOLE                  80854
  COCA COLA CO                    OTHER                 5400
  COLGATE PALMOLIVE CO            SOLE                  19793
  COLGATE PALMOLIVE CO            OTHER                 4400
  COMMSCOPE INC                   SOLE                  56710
  COMMSCOPE INC                   SOLE                                            200
  COMMSCOPE INC                   OTHER                 6250
  COMPAQ COMPUTER CORP            SOLE                  72790
  COMPAQ COMPUTER CORP            SOLE                                            300
  COMPAQ COMPUTER CORP            OTHER                 8418
  COMPAQ COMPUTER CORP            DEF/OTH               500
  COMPUTER ASSOC INT'L INC        SOLE                  3460
  COMPUTER ASSOC INT'L INC        OTHER                 500
  COMPUTER SCIENCES CORP          SOLE                  4020
  COMPUTER SCIENCES CORP          OTHER                 5950
  CONE MILLS CORP                 SOLE                  9500
  CONE MILLS CORP                 OTHER                 54942
  CORNING INC                     SOLE                  3123
  DALLAS SEMICONDUCTOR CORP       SOLE                  3400
  DALLAS SEMICONDUCTOR CORP       OTHER                 8400
  DANAHER CORP                    SOLE                  1447
  DANAHER CORP                    OTHER                 9041
  DELHAIZE AMERICA                SOLE                  23132
  DELHAIZE AMERICA                OTHER                                           9000
  DELL COMPUTER CORP              SOLE                  5290
  DENTSPLY INTERNATIONAL INC      SOLE                  32450
  DIEBOLD INC                     SOLE                  60410
  DIEBOLD INC                     OTHER                 1878
  DISNEY WALT CO                  SOLE                  38553
  DISNEY WALT CO                  OTHER                 5100
  DIMENSIONAL HOLDINGS INC        OTHER                 57579
  DOMINION RESOURCES              SOLE                  4004
  DOMINION RESOURCES              OTHER                 1062
  DOVER CORP                      SOLE                  16144
  DOVER CORP                      SOLE                                            190
  DOW CHEM CO                     SOLE                  12258
  DOW CHEM CO                     OTHER                 405
  DREYFUS FD                      OTHER                 12123
  DU PONT E I DE NEMOURS & CO     SOLE                  14369
  DU PONT E I DE NEMOURS & CO     OTHER                 15645
  DU PONT E I DE NEMOURS & CO     DEF/OTH               3000
  DUFF & PHELPS UTILS INCOME INC  SOLE                  18300
  DUKE ENERGY CORP                SOLE                  61763
  DUKE ENERGY CORP                OTHER                 11626
  DUKE ENERGY CORP                DEF/OTH               906
  EMC CORP                        SOLE                  317973
  EMC CORP                        SOLE                               200
  EMC CORP                        SOLE                                            400
  EMC CORP                        OTHER                 82800
  EASTMAN KODAK CO                SOLE                  6084
  EASTMAN KODAK CO                OTHER                 4950
  EATON CORP                      SOLE                  17400
  EATON CORP                      OTHER                 12200
  EMERSON ELECTRIC CO             SOLE                  5840
  EMERSON ELECTRIC CO             OTHER                 4276
  ENERGIZER HOLDINGS              SOLE                  11380
  ENRON CORP                      SOLE                  4619
  ENRON CORP                      OTHER                 1620
  ENTREMED INC                    SOLE                  10000
  ENTREMED INC                    SOLE                                            304
  EQUITABLE RES INC               OTHER                 6750
  EQUITY INCOME FD                SOLE                  29960
  EQUITY INCOME FD                OTHER                 3800
  REAL ESTATE INCOME              SOLE                  25536
  EXODUS COMMUNICATIONS INC       SOLE                  29400
  EXODUS COMMUNICATIONS INC       OTHER                 400
  EXXON MOBIL CORP                SOLE                  217869
  EXXON MOBIL CORP                SOLE                                            750
  EXXON MOBIL CORP                OTHER                 53702
  FAMILY DLR STORES INC           SOLE                  28250
  FEDERAL HOME LOAN MORTGAGE CORP SOLE                  11022
  FEDERAL HOME LOAN MORTGAGE CORP OTHER                 2000
  FEDERAL HOME LOAN MORTGAGE CORP DEF/OTH               500
  FEDERAL NATIONAL MORTGAGE ASSN  SOLE                  73281
  FEDERAL NATIONAL MORTGAGE ASSN  SOLE                                            235
  FEDERAL NATIONAL MORTGAGE ASSN  OTHER                 5662
  FEDERAL NATIONAL MORTGAGE ASSN  DEF/OTH               500
  FEDERATED                       SOLE                  93105
  FEDERATED                       OTHER                 23195
  FEDERATED INCOME TRUST          SOLE                  17600
  FEDERATED INCOME TRUST          OTHER                 3485
  FEDERATED                       SOLE                  10921
  FEDERATED                       SOLE                  6402228
  FEDERATED                       SOLE                               2081
  FEDERATED                       SOLE                                            15708
  FEDERATED                       DEFINED               18372
  FEDERATED                       OTHER                 372767
  FEDERATED                       OTHER                              5028
  FEDERATED                       OTHER                                           4909
  FEDERATED SHORT INTER MUN TR SH SOLE                  2829
  FEDERATED SHORT INTER MUN TR SH OTHER                 15973
  FEDEX CORP                      SOLE                  43466
  FEDEX CORP                      OTHER                 14000
  FIDELITY ADV INST EQUITY GROWTH SOLE                  25065
  FIDELITY ADV INST EQUITY GROWTH OTHER                 1930
  FIDELITY MID-CAP STOCK FD       OTHER                 9859
  FIDELITY NATIONAL FINL INC      OTHER                 10488
  FIRST CITIZENS BCSHS            SOLE                  4300
  FIRST UNION CORP                SOLE                  50423
  FIRST UNION CORP                SOLE                                            166
  FIRST UNION CORP                OTHER                 4373
  FIRST UNION CORP                DEF/OTH               400
  FLOWERS INDS INC                SOLE                  92475
  FLOWERS INDS INC                OTHER                 19000
  FORD MTR CO                     SOLE                  47761
  FORD MTR CO                     SOLE                                            285
  FORD MTR CO                     DEFINED               108
  FORD MTR CO                     OTHER                 7326
  FORTUNE BRANDS INC              SOLE                  27700
  FORTUNE BRANDS INC              SOLE                                            200
  FORTUNE BRANDS INC              OTHER                 10000
  THE FORTRESS CORPORATION        OTHER                 211572
  FRANKLIN                        SOLE                  50378
  FRANKLIN                        SOLE                                            722
  FRANKLIN                        OTHER                 2257
  FRANKLIN                        SOLE                  18334
  FRANKLIN                        SOLE                  49327
  FRANKLIN                        SOLE                                            801
  FRANKLIN                        OTHER                 4058
  FRANKLIN                        SOLE                  53718
  FRANKLIN                        OTHER                 3647
  GTE CORP                        SOLE                  18735
  GTE CORP                        OTHER                 7316
  GALLAHER GROUP PLC ADR          SOLE                  20072
  GAP INC                         SOLE                  9000
  GAP INC                         OTHER                 3374
  GATEWAY INC                     SOLE                  30500
  GATEWAY INC                     SOLE                                            190
  GATEWAY INC                     OTHER                 9800
  GENERAL ELEC CO                 SOLE                  570064
  GENERAL ELEC CO                 SOLE                                            4900
  GENERAL ELEC CO                 OTHER                 129620
  GENERAL ELEC CO                 OTHER                                           300
  GENERAL ELEC CO                 DEF/OTH               2400
  GENERAL MILLS INC               SOLE                  6734
  GENERAL MILLS INC               OTHER                 4800
  GENERAL MTRS CORP               SOLE                  8744
  GENERAL MTRS CORP               DEFINED               60
  GENERAL MTRS CORP               OTHER                 968
  GENERAL MTRS CORP               SOLE                  3163
  GENERAL MTRS CORP               OTHER                 7185
  GENTEX CORP                     SOLE                  143045
  GENTEX CORP                     SOLE                                            275
  GENTEX CORP                     OTHER                 10800
  GENLYTE GROUP INC               SOLE                  27135
  GENLYTE GROUP INC               OTHER                 11300
  GERBER SCIENTIFIC INC           SOLE                  7775
  GERBER SCIENTIFIC INC           OTHER                 11350
  GILLETTE CO                     SOLE                  40415
  GILLETTE CO                     OTHER                 3100
  GLAXO PLC SPONSORED ADR         SOLE                  12133
  GLAXO PLC SPONSORED ADR         OTHER                 3787
  GLOBAL MARINE INC               SOLE                  26875
  GLOBAL MARINE INC               OTHER                 500
  GOLDMAN SACHS                   SOLE                  63716
  GOLDMAN SACHS                   OTHER                 6062
  GOLDMAN SACHS                   SOLE                  131982
  GOLDMAN SACHS                   OTHER                 17887
  GOLDMAN SACHS                   SOLE                  192535
  GOLDMAN SACHS                   SOLE                                            4267
  GOLDMAN SACHS                   OTHER                 2502
  GREY ADVERTISING INC            SOLE                  1632
  GREY ADVERTISING INC            OTHER                 820
  HALLIBURTON CO                  SOLE                  4750
  HALLIBURTON CO                  SOLE                                            100
  HALLIBURTON CO                  OTHER                 200
  HALLIBURTON CO                  DEF/OTH               500
  HARBOR                          SOLE                  163771
  HARBOR                          SOLE                                            2098
  HARBOR                          OTHER                 6317
  HARRIS CORP                     SOLE                  91300
  HARRIS CORP                     OTHER                 10675
  HEINZ H J CO                    SOLE                  43424
  HEINZ H J CO                    OTHER                 6900
  HEINZ H J CO                    DEF/OTH               450
  HEWLETT PACKARD CO              SOLE                  23230
  HEWLETT PACKARD CO              SOLE                                            70
  HEWLETT PACKARD CO              OTHER                 11850
  HEWLETT PACKARD CO              DEF/OTH               500
  HOME DEPOT INC                  SOLE                  46356
  HOME DEPOT INC                  OTHER                 7017
  HONEYWELL INTERNATIONAL (NEW)   SOLE                  67248
  HONEYWELL INTERNATIONAL (NEW)   SOLE                                            200
  HONEYWELL INTERNATIONAL (NEW)   OTHER                 14539
  HOUSEHOLD INTL INC              SOLE                  82532
  HOUSEHOLD INTL INC              SOLE                                            650
  HOUSEHOLD INTL INC              OTHER                 3600
  HUBBELL HARVEY INC              SOLE                  27667
  HUBBELL HARVEY INC              OTHER                 2552
  IDG BOOKS WORLDWIDE INC         SOLE                  197250
  IDG BOOKS WORLDWIDE INC         OTHER                 50500
  IHOP CORP                       SOLE                  96400
  IHOP CORP                       OTHER                 13750
  INGERSOLL RAND CO               SOLE                  17332
  INGERSOLL RAND CO               SOLE                                            395
  INGERSOLL RAND CO               OTHER                 11575
  INTEL CORP                      SOLE                  154565
  INTEL CORP                      OTHER                 94275
  INTEL CORP                      OTHER                                           100
  IBM CORP                        SOLE                  33301
  IBM CORP                        SOLE                                            400
  IBM CORP                        OTHER                 18324
  IBM CORP                        OTHER                                           200
  INTERNATIONAL PAPER CO          SOLE                  27156
  INTERNATIONAL PAPER CO          SOLE                                            700
  INTERNATIONAL PAPER CO          OTHER                 12820
  FEDERATED                       SOLE                  82252
  FEDERATED                       SOLE                                            1386
  FEDERATED                       OTHER                 1814
  INTERPUBLIC GROUP               SOLE                  72580
  INTERPUBLIC GROUP               SOLE                                            250
  INTERPUBLIC GROUP               OTHER                 10500
  SCUDDER                         SOLE                  31464
  SCUDDER                         OTHER                 2423
  INTIMATE BRANDS                 SOLE                  25670
  INVESTORS TITLE INS CO          SOLE                  14000
  INVESTORS TITLE INS CO          OTHER                 7812
  JDS UNIPHASE CORP               SOLE                  21825
  JDS UNIPHASE CORP               SOLE                                            100
  JDS UNIPHASE CORP               OTHER                 31366
  JANUS                           SOLE                  22186
  JANUS                           OTHER                 11219
  JANUS                           SOLE                  8535
  JANUS                           OTHER                 6779
  JANUS                           OTHER                                           5247
  JANUS                           SOLE                  5680
  JEFFERSON PILOT CORP            SOLE                  77133
  JEFFERSON PILOT CORP            OTHER                 42959
  JOHNSON & JOHNSON               SOLE                  45778
  JOHNSON & JOHNSON               SOLE                                            100
  JOHNSON & JOHNSON               OTHER                 18550
  JOHNSON & JOHNSON               DEF/OTH               400
  KANSAS CITY SOUTHN INDS INC     SOLE                  3400
  KANSAS CITY SOUTHN INDS INC     OTHER                 19700
  KELLOGG CO                      SOLE                  9980
  KENAN TRANS CO                  SOLE                  9320
  KENAN TRANS CO                  SOLE                                            2200
  KEYCORP NEW                     SOLE                  20278
  KEYCORP NEW                     OTHER                 5424
  KIMBERLY CLARK CORP             SOLE                  8445
  KIMBERLY CLARK CORP             SOLE                                            660
  KIMBERLY CLARK CORP             OTHER                 1600
  KOHLS CORPORATION               SOLE                  8400
  KOHLS CORPORATION               OTHER                 2000
  KROGER CO                       SOLE                  13470
  LA-Z-BOY CHAIR CO               SOLE                  33225
  LANIER WORLDWIDE                SOLE                  94550
  LANIER WORLDWIDE                OTHER                 22175
  LEXMARK INTL GROUP INC CL A     SOLE                  65367
  LEXMARK INTL GROUP INC CL A     SOLE                                            50
  LEXMARK INTL GROUP INC CL A     OTHER                 6400
  ELI LILLY                       SOLE                  20456
  ELI LILLY                       SOLE                                            25
  ELI LILLY                       OTHER                 250
  LINCARE HLD INC                 SOLE                  22050
  LINCARE HLD INC                 OTHER                 900
  LINCOLN ELECTRIC HOLDINGS       SOLE                  38525
  LINCOLN ELECTRIC HOLDINGS       OTHER                 10325
  LOCKHEED MARTIN CORP            SOLE                  14162
  LOOMIS SAYLES                   SOLE                  519281
  LOOMIS SAYLES                   SOLE                                            6174
  LOOMIS SAYLES                   OTHER                 368
  LOWES COS INC                   SOLE                  133168
  LOWES COS INC                   SOLE                                            850
  LOWES COS INC                   OTHER                 11800
  LOWES COS INC                   DEF/OTH               600
  LUCENT TECHNOLOGIES INC         SOLE                  89037
  LUCENT TECHNOLOGIES INC         DEFINED               116
  LUCENT TECHNOLOGIES INC         OTHER                 18064
  LUCENT TECHNOLOGIES INC         DEF/OTH               800
  MFS                             SOLE                  566994
  MAS                             SOLE                  62742
  MAS                             SOLE                                            1373
  MAS                             OTHER                 1067
  MFS HIGH INCOME FUND            SOLE                  1108203
  MFS HIGH INCOME FUND            OTHER                 142211
  MMC NETWORKS INC                OTHER                 6800
  MTS SYS CORP                    SOLE                  4500
  MTS SYS CORP                    OTHER                 9000
  MACROMEDIA INC                  SOLE                  200
  MACROMEDIA INC                  OTHER                 5326
  MALLINCKRODT INC                SOLE                  16975
  MANAGERS                        SOLE                  17683
  MANAGERS                        OTHER                                           2158
  MANULIFE FINANCIAL CORP         SOLE                  22001
  MARSH & MCLENNAN COS INC        SOLE                  12555
  MARSH & MCLENNAN COS INC        OTHER                 2900
  MARTIN MARIETTA MATERIALS, INC. SOLE                  53610
  MARTIN MARIETTA MATERIALS, INC. SOLE                                            110
  MARTIN MARIETTA MATERIALS, INC. OTHER                 10800
  MASCO CORP                      SOLE                  5180
  MASCO CORP                      OTHER                 5100
  MFS                             SOLE                  259229
  MFS                             SOLE                                            5345
  MFS                             OTHER                 123
  MCDONALDS CORP                  SOLE                  35320
  MCDONALDS CORP                  OTHER                 4500
  MCGRAW HILL INC                 SOLE                  40785
  MCGRAW HILL INC                 SOLE                                            50
  MCGRAW HILL INC                 OTHER                 5700
  MEDIAONE GROUP INC              SOLE                  4704
  MEDIAONE GROUP INC              OTHER                 946
  MEDTRONIC INC                   SOLE                  111706
  MEDTRONIC INC                   OTHER                 138794
  MERCK & CO INC                  SOLE                  150213
  MERCK & CO INC                  SOLE                                            600
  MERCK & CO INC                  OTHER                 41814
  MERCK & CO INC                  DEF/OTH               500
  MERRILL LYNCH & CO INC          SOLE                  2495
  MERRILL LYNCH & CO INC          OTHER                 140
  MICROSOFT CORP                  SOLE                  99382
  MICROSOFT CORP                  OTHER                 22580
  MICROSOFT CORP                  OTHER                                           200
  MINNESOTA MNG & MFG CO          SOLE                  6680
  MINNESOTA MNG & MFG CO          SOLE                                            110
  MINNESOTA MNG & MFG CO          OTHER                 4450
  MOLEX INC                       SOLE                  5468
  MORGAN J P & CO INC             SOLE                  5640
  MORGAN J P & CO INC             SOLE                                            75
  MORGAN J P & CO INC             OTHER                 200
  MORGAN J P & CO INC             DEF/OTH               200
  MORGAN ST DEAN WITTER           SOLE                  19649
  MORGAN ST DEAN WITTER           SOLE                                            930
  MORGAN ST DEAN WITTER           OTHER                 4050
  MORGAN STANLEY INSTITUTIONAL FD SOLE                  412981
  MORGAN STANLEY INSTITUTIONAL FD SOLE                               481
  MORGAN STANLEY INSTITUTIONAL FD SOLE                                            3051
  MORGAN STANLEY INSTITUTIONAL FD OTHER                 73912
  MORGAN STANLEY DEAN WITTER      SOLE                  25000
  MOTOROLA INC                    SOLE                  56571
  MOTOROLA INC                    SOLE                                            600
  MOTOROLA INC                    OTHER                 33225
  FEDERATED                       SOLE                  2857124
  FEDERATED                       SOLE                                            26317
  FEDERATED                       OTHER                 234560
  MUTUAL RISK MANAGEMENT LTD      SOLE                  1934
  MUTUAL RISK MANAGEMENT LTD      OTHER                 10064
  FRANKLIN                        SOLE                  12025
  NACCO INDUSTRIES                SOLE                  26425
  NACCO INDUSTRIES                OTHER                 3850
  NATIONAL-OILWELL INC            SOLE                  40200
  NATIONAL-OILWELL INC            SOLE                                            200
  NATIONAL-OILWELL INC            OTHER                 1000
  NATIONS                         SOLE                  82985
  NEXTEL COMMUNICATIONS           SOLE                  28100
  NORFOLK SOUTHERN CORP           SOLE                  52525
  NORFOLK SOUTHERN CORP           SOLE                                            600
  NORFOLK SOUTHERN CORP           OTHER                 3182
  NORTEL NETWORKS CORP            SOLE                  67520
  NORTEL NETWORKS CORP            SOLE                                            200
  NORTEL NETWORKS CORP            OTHER                 2300
  OAKWOOD HOMES CORP              OTHER                 13200
  OLD REP INTL CORP               SOLE                  19348
  OMNICOM GROUP INC COM           SOLE                  2526
  ORACLE SYSTEMS                  SOLE                  140775
  ORACLE SYSTEMS                  SOLE                                            900
  ORACLE SYSTEMS                  OTHER                 25624
  ORACLE SYSTEMS                  DEF/OTH               1500
  PIMCO                           SOLE                  586535
  PIMCO                           SOLE                                            7234
  PIMCO                           OTHER                 27857
  PACIFIC CAPITAL                 SOLE                  49827
  PACIFIC CAPITAL                 SOLE                  70906
  PALM BEACH CNTY FLA HEALTH FACS SOLE                  300000
  PEOPLES BANK                    SOLE                  80425
  PEOPLES BANK                    OTHER                 5175
  PEOPLES BANK                    DEF/OTH               500
  PEPSICO INC                     SOLE                  82485
  PEPSICO INC                     OTHER                 43370
  PEREGRINE SYSTEMS INC           OTHER                 6200
  PERKINELMER INC                 SOLE                  12800
  PERKINELMER INC                 OTHER                 11000
  PETROLEUM & RES CORP            SOLE                  57865
  PETROLEUM & RES CORP            OTHER                 27599
  PFIZER INC                      SOLE                  420003
  PFIZER INC                      SOLE                                            475
  PFIZER INC                      OTHER                 101152
  PFIZER INC                      DEF/OTH               900
  PHARMACIA CORPORATION           SOLE                  52577
  PHARMACIA CORPORATION           SOLE                                            75
  PHARMACIA CORPORATION           OTHER                 3100
  PHILIP MORRIS COS INC           SOLE                  33135
  PHILIP MORRIS COS INC           OTHER                 19300
  PHYAMERICA PHYSICIAN GROUP      SOLE                  10500
  PITNEY-BOWES INC                SOLE                  57303
  PITNEY-BOWES INC                SOLE                                            100
  PITNEY-BOWES INC                OTHER                 9650
  PLANTRONICS INC                 SOLE                  1000
  PLANTRONICS INC                 OTHER                 8400
  POST PROPERTIES INC             SOLE                  5000
  PRICE (T.ROWE) ASSOCIATES       SOLE                  11600
  PRICE (T.ROWE) ASSOCIATES       OTHER                 11000
  PROCTER & GAMBLE CO             SOLE                  24977
  PROCTER & GAMBLE CO             OTHER                 1600
  PROVIDIAN FINANCIAL CORP        SOLE                  129307
  PROVIDIAN FINANCIAL CORP        SOLE                                            11742
  PROVIDIAN FINANCIAL CORP        OTHER                 28673
  PRUDENTIAL MUNICIPAL BOND FD    DEFINED               21674
  PUTNAM                          SOLE                  26930
  QWEST COMMUNICATIONS INTL       SOLE                  7556
  QWEST COMMUNICATIONS INTL       OTHER                 100
  RF MICRO DEVICES                SOLE                  400
  RF MICRO DEVICES                OTHER                 12000
  RELIASTAR FINL CORP             SOLE                  17525
  RELIASTAR FINL CORP             OTHER                 3400
  ROCKWELL INTL CORP NEW          SOLE                  2150
  ROCKWELL INTL CORP NEW          OTHER                 7232
  ROSS STORES INC                 SOLE                  53400
  T ROWE PRICE                    SOLE                  22208
  T ROWE PRICE                    OTHER                 1285
  T ROWE PRICE                    SOLE                  10064
  T ROWE PRICE                    OTHER                 3683
  T ROWE PRICE                    SOLE                  72119
  T ROWE PRICE                    SOLE                                            1499
  T ROWE PRICE                    OTHER                 38
  T ROWE PRICE                    SOLE                  5242
  T ROWE PRICE SMALL-CAP VALUE    SOLE                  43106
  T ROWE PRICE SMALL-CAP VALUE    OTHER                 1956
  ROYAL DUTCH PETE CO             SOLE                  34029
  ROYAL DUTCH PETE CO             SOLE                                            50
  ROYAL DUTCH PETE CO             OTHER                 4900
  RUDDICK CORP                    SOLE                  32600
  RUDDICK CORP                    OTHER                 11650
  RYANS FAMILY STEAK HOUSES INC   SOLE                  181715
  RYANS FAMILY STEAK HOUSES INC   OTHER                 35750
  SBC COMMUNICATIONS INC          SOLE                  82490
  SBC COMMUNICATIONS INC          SOLE                                            800
  SBC COMMUNICATIONS INC          OTHER                 21435
  SBC COMMUNICATIONS INC          DEF/OTH               782
  S&P 500 DEPOSITORY RECEIPT      SOLE                  19460
  S&P 500 DEPOSITORY RECEIPT      OTHER                 3110
  SAFEGUARD SCIENTIFICS INC       SOLE                  15625
  ST PAUL COS INC                 SOLE                  18715
  ST PAUL COS INC                 OTHER                 1000
  SCANA CORP                      SOLE                  23126
  SCHERING PLOUGH CORP            SOLE                  15790
  SCHERING PLOUGH CORP            OTHER                 3352
  SCHLUMBERGER LTD                SOLE                  55513
  SCHLUMBERGER LTD                SOLE                                            125
  SCHLUMBERGER LTD                OTHER                 8150
  SCHWAB (CHARLES) CORP           SOLE                  11171
  SCHWAB (CHARLES) CORP           OTHER                 19340
  SEAGRAM CO LTD "ACES"           SOLE                  6290
  SELIGMAN                        SOLE                  13402
  SELIGMAN                        SOLE                  351732
  SEQUOIA                         OTHER                 8253
  SEQUOIA                         OTHER                                           16339
  SMITHKLINE BEECHAM PLC ADR      SOLE                  400
  SMITHKLINE BEECHAM PLC ADR      OTHER                 3000
  SONOCO PRODS CO                 SOLE                  29989
  SONOCO PRODS CO                 OTHER                 5411
  SOUTHERN CAPITAL TRUST I        SOLE                  436
  SOUTHERN CAPITAL TRUST I        OTHER                 10000
  SOUTHERN CO                     SOLE                  9382
  SOUTHERN CO                     OTHER                 920
  SOUTHERN CO                     DEF/OTH               832
  SPRINT CORP                     SOLE                  49561
  SPRINT CORP                     SOLE                                            1300
  SPRINT CORP                     OTHER                 18352
  SPRINT CORP                     SOLE                  9044
  SPRINT CORP                     SOLE                                            600
  SPRINT CORP                     OTHER                 8574
  STAPLES INC                     SOLE                  72497
  STAPLES INC                     SOLE                                            100
  STAPLES INC                     OTHER                 20075
  STATE STREET CORP               SOLE                  371
  STATE STREET CORP               OTHER                 6000
  STRONG                          SOLE                  24403
  STRONG                          SOLE                                            45
  STRYKER CORP                    SOLE                  18170
  STRYKER CORP                    OTHER                 88140
  SUN MICROSYSTEMS INC            SOLE                  37795
  SUN MICROSYSTEMS INC            OTHER                 1176
  SUNGARD DATA SYSTEMS INC        SOLE                  94846
  SUNGARD DATA SYSTEMS INC        SOLE                                            250
  SUNGARD DATA SYSTEMS INC        OTHER                 9000
  SUNTRUST BANKS INC              SOLE                  30724
  SUNTRUST BANKS INC              OTHER                 7847
  SYMANTEC CORP                   SOLE                  49525
  SYMANTEC CORP                   OTHER                 10825
  SYNOPSYS INC                    SOLE                  60060
  SYNOPSYS INC                    OTHER                 5425
  SYNOVUS FINL CORP               SOLE                  141325
  SYNOVUS FINL CORP               OTHER                 49177
  SYSTEMAX INC                    SOLE                  113225
  SYSTEMAX INC                    OTHER                 36675
  TECO ENERGY INC                 SOLE                  30740
  TECO ENERGY INC                 OTHER                 6835
  TELLABS, INC                    SOLE                  16000
  TELLABS, INC                    OTHER                 6500
  TENN VALLEY AUTHORITY           SOLE                  83750
  TEXACO INC                      SOLE                  9228
  TEXACO INC                      SOLE                                            200
  TEXACO INC                      OTHER                 4700
  TEXACO INC                      DEF/OTH               203
  TEXAS INSTRUMENT INC            SOLE                  156
  TEXAS INSTRUMENT INC            OTHER                 4800
  3COM CORP                       OTHER                 24000
  TOSCO CORP                      SOLE                  89070
  TOSCO CORP                      SOLE                                            200
  TOSCO CORP                      OTHER                 4500
  TOWER AUTOMOTIVE INC            SOLE                  276210
  TOWER AUTOMOTIVE INC            SOLE                                            350
  TOWER AUTOMOTIVE INC            OTHER                 18000
  TRANSWITCH CORP                 OTHER                 5850
  TRI CONTL CORP                  SOLE                  362550
  TRI CONTL CORP                  OTHER                 27463
  TRICON GLOBAL RESTAURANTS       SOLE                  4390
  TRICON GLOBAL RESTAURANTS       OTHER                 3240
  OAK VALUE FD                    OTHER                 1752
  OAK VALUE FD                    OTHER                                           16912
  TYCO INTERNATIONAL LTD          SOLE                  167154
  TYCO INTERNATIONAL LTD          SOLE                               100
  TYCO INTERNATIONAL LTD          SOLE                                            100
  TYCO INTERNATIONAL LTD          OTHER                 20290
  UST INC                         SOLE                  21225
  UNILEVER N V NEW YORK SHS       SOLE                  160
  UNILEVER N V NEW YORK SHS       OTHER                 5000
  UNITED                          SOLE                  18330
  U S WEST INC                    SOLE                  24918
  U S WEST INC                    OTHER                 5001
  UNITED STATES TREASURY          SOLE                  675000
  UNITED TECHNOLOGIES CORP        SOLE                  50607
  UNITED TECHNOLOGIES CORP        SOLE                                            400
  UNITED TECHNOLOGIES CORP        OTHER                 5300
  UNITEDHEALTH GROUP INC          SOLE                  8900
  UNITEDHEALTH GROUP INC          SOLE                                            230
  UNITEDHEALTH GROUP INC          OTHER                 2400
  UNITEDHEALTH GROUP INC          DEF/OTH               300
  UNIVERSAL HEALTH SVCS INC       SOLE                  600
  UNIVERSAL HEALTH SVCS INC       OTHER                 18200
  VANGUARD                        SOLE                  41402
  VANGUARD                        OTHER                 3064
  VANGUARD                        OTHER                                           3262
  VANGUARD                        SOLE                  51133
  VANGUARD                        SOLE                  70881
  VANGUARD                        OTHER                 77810
  VANGUARD                        SOLE                  596170
  VANGUARD                        SOLE                                            7241
  VANGUARD                        OTHER                 425
  VANGUARD                        SOLE                  25533
  VANGUARD                        SOLE                  44376
  VANGUARD                        OTHER                 10023
  VANGUARD                        OTHER                                           9856
  VANGUARD                        SOLE                  6157
  VANGUARD                        OTHER                                           4624
  VIACOM INC                      SOLE                  9312
  VIACOM INC                      OTHER                 108
  VODAFONE GROUP PLC-SPONS ADR    SOLE                  9149
  VODAFONE GROUP PLC-SPONS ADR    OTHER                 3670
  VODAFONE GROUP PLC-SPONS ADR    DEF/OTH               635
  WACHOVIA CORP                   SOLE                  17174
  WACHOVIA CORP                   OTHER                 18851
  WAL-MART STORES                 SOLE                  13512
  WAL-MART STORES                 OTHER                 5500
  WALGREEN CO                     SOLE                  42580
  WALGREEN CO                     SOLE                                            100
  WALGREEN CO                     OTHER                 8500
  WALLACE COMPUTER SERVICES INC   SOLE                  10925
  WASHINGTON MUTUAL INC           SOLE                  114683
  WASHINGTON MUTUAL INC           SOLE                                            100
  WASHINGTON MUTUAL INC           OTHER                 7560
  WASHINGTON POST CO              OTHER                                           1200
  WATSON PHARMACEUTICAL INC       SOLE                  90420
  WATSON PHARMACEUTICAL INC       SOLE                                            350
  WATSON PHARMACEUTICAL INC       OTHER                 8100
  WELLS FARGO COMPANY             SOLE                  1015
  WELLS FARGO COMPANY             DEFINED               21250
  WELLS FARGO COMPANY             OTHER                 5600
  WEST MARINE INC                 SOLE                  51400
  WEST MARINE INC                 OTHER                 10675
  WORLDCOM                        SOLE                  195309
  WORLDCOM                        SOLE                               150
  WORLDCOM                        SOLE                                            200
  WORLDCOM                        OTHER                 23472
  WORLDCOM                        DEF/OTH               600
  XILINX INC                      SOLE                  1200
  XILINX INC                      OTHER                 13200
  XEROX CORP                      SOLE                  15700
  XEROX CORP                      OTHER                 5700
  SAP AG PREF SHS VORZUG          SOLE                  200
  SAP AG PREF SHS VORZUG          OTHER                 2250
  ROCHE HOLDING                   SOLE                  280
  GILAT SATELLITE NETWORKS LTD    SOLE                  600
  GILAT SATELLITE NETWORKS LTD    OTHER                 4100
  MEDICAL PRODUCTS SEARCH, INC.   SOLE                  15000
  ELECTRIC SUPPLY CO. OF NC, INC. OTHER                                           37228
  DESCO, INC                      SOLE                                            8720
</TABLE>


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