CENTRAL CAROLINA BANK & TRUST CO N C
13F-HR, 2000-11-15
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[DESCRIPTION]           FORM 13F
                                                 UNITED STATES
                                       SECURITIES AND EXCHANGE COMMISSION
                                            Washington, D.C.  20549
                                                    FORM 13F
                                              FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: 09/30/2000

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.    11/03/2000

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:           653
Form 13F Information Table Value Total:           $ 1,036,278

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        2539        39636 SH
  AFLAC INC                        COMMON STOCKS   001055102         653        10200 SH
  AT&T CORP                        COMMON STOCKS   001957109        2409        82022 SH
  AT&T CORP                        COMMON STOCKS   001957109           4          135 SH
  AT&T CORP                        COMMON STOCKS   001957109         355        12071 SH
  AT&T CORP                        COMMON STOCKS   001957109          22          749 SH
  AXA FINANCIAL INC                COMMON STOCKS   002451102         908        17828 SH
  AXA FINANCIAL INC                COMMON STOCKS   002451102          10          200 SH
  ABBOTT LABS                      COMMON STOCKS   002824100        6233       131041 SH
  ABBOTT LABS                      COMMON STOCKS   002824100        1224        25725 SH
  ADAPTEC INC                      COMMON STOCKS   00651F108        1580        78975 SH
  ADAPTEC INC                      COMMON STOCKS   00651F108         430        21500 SH
  ROWE CORP                        CLOSELY HELD CO 006997019         512        20000 SH
  AEGON N V                        COMMON STOCKS   007924103        6035       162554 SH
  AEGON N V                        COMMON STOCKS   007924103        1086        29244 SH
  AGILENT TECHNOLOGIES INC         COMMON STOCKS   00846U101         941        19224 SH
  AGILENT TECHNOLOGIES INC         COMMON STOCKS   00846U101         305         6229 SH
  AGILENT TECHNOLOGIES INC         COMMON STOCKS   00846U101           9          190 SH
  ROSEMYR CORP                     CLOSELY HELD CO 009990011         697         2941 SH
  ROSEMYR CORP                     CLOSELY HELD CO 009990011        1597         6745 SH
  ALBERTSONS INC                   COMMON STOCKS   013104104         487        23184 SH
  ALLEGHANY CORP                   COMMON STOCKS   017175100         263         1343 SH
  ALLEGHENY ENERGY INC             COMMON STOCKS   017361106         264         6905 SH
  ALLEGHENY ENERGY INC             COMMON STOCKS   017361106          69         1800 SH
  ALLIANCE GROWTH                  MUTUAL FUNDS-EQ 01877F401         319         6031 PRN
  ALLSTATE CORPORATION             COMMON STOCKS   020002101         234         6736 SH
  ALLSTATE CORPORATION             COMMON STOCKS   020002101         207         5959 SH
  ALLTEL CORP                      COMMON STOCKS   020039103         171         3278 SH
  ALLTEL CORP                      COMMON STOCKS   020039103         105         2019 SH
  ALPHA INDS INC                   COMMON STOCKS   020753109         261         7650 SH
  ALTERA CORP                      COMMON STOCKS   021441100         340         7126 SH
  ALTERA CORP                      COMMON STOCKS   021441100         516        10800 SH
  AMERICAN CENTURY                 MUTUAL FUNDS-EQ 02507M600        5410       211568 PRN
  AMERICAN CENTURY                 MUTUAL FUNDS-EQ 02507M600          11          416 PRN
  AMERICAN ELEC PWR INC            COMMON STOCKS   025537101         246         6300 SH
  AMERICAN ELEC PWR INC            COMMON STOCKS   025537101          63         1618 SH
  AMERICAN EXPRESS CO              COMMON STOCKS   025816109         172         2825 SH
  AMERICAN EXPRESS CO              COMMON STOCKS   025816109          36          600 SH
  AMERICAN EXPRESS CO              COMMON STOCKS   025816109          96         1587 SH
  AMERICAN GEN CORP                COMMON STOCKS   026351106         163         2091 SH
  AMERICAN GEN CORP                COMMON STOCKS   026351106         466         5970 SH
  AMERICAN HOME PRODS CORP         COMMON STOCKS   026609107        8587       151819 SH
  AMERICAN HOME PRODS CORP         COMMON STOCKS   026609107          21          375 SH
  AMERICAN HOME PRODS CORP         COMMON STOCKS   026609107        2285        40400 SH
  AMERICAN INTL GROUP INC          COMMON STOCKS   026874107        4524        47278 SH
  AMERICAN INTL GROUP INC          COMMON STOCKS   026874107          29          300 SH
  AMERICAN INTL GROUP INC          COMMON STOCKS   026874107         162         1688 SH
  AMETEK INC                       COMMON STOCKS   031100100        1622        76550 SH
  AMETEK INC                       COMMON STOCKS   031100100         155         7325 SH
  AMGEN INC                        COMMON STOCKS   031162100        5066        72555 SH
  AMGEN INC                        COMMON STOCKS   031162100         182         2600 SH
  ANHEUSER BUSCH COMPANIES         COMMON STOCKS   035229103         482        11400 SH
  ANHEUSER BUSCH COMPANIES         COMMON STOCKS   035229103         880        20800 SH
  AON CORP                         COMMON STOCKS   037389103         285         7262 SH
  AON CORP                         COMMON STOCKS   037389103          72         1828 SH
  APPLIED MATERIALS INC            COMMON STOCKS   038222105        8098       136533 SH
  APPLIED MATERIALS INC            COMMON STOCKS   038222105          18          300 SH
  APPLIED MATERIALS INC            COMMON STOCKS   038222105        1512        25500 SH
  ASSOCIATES FIRST CAPITAL - A     COMMON STOCKS   046008108         244         6428 SH
  ASSOCIATES FIRST CAPITAL - A     COMMON STOCKS   046008108         114         2992 SH
  AUTODESK INC.                    COMMON STOCKS   052769106        1294        51000 SH
  AUTODESK INC.                    COMMON STOCKS   052769106         127         5000 SH
  AUTOMATIC DATA PROCESSING INC    COMMON STOCKS   053015103        4205        62879 SH
  AUTOMATIC DATA PROCESSING INC    COMMON STOCKS   053015103         112         1680 SH
  AUTOMATIC DATA PROCESSING INC    COMMON STOCKS   053015103          40          600 SH
  AVNET INC                        COMMON STOCKS   053807103         624        22000 SH
  BB & T CORPORATION               COMMON STOCKS   054937107        1820        60406 SH
  BB & T CORPORATION               COMMON STOCKS   054937107          12          400 SH
  BP AMOCO PLC                     COMMON STOCKS   055622104        4747        89567 SH
  BP AMOCO PLC                     COMMON STOCKS   055622104         633        11947 SH
  BMC SOFTWARE INC                 COMMON STOCKS   055921100         212        11100 SH
  BANK OF AMERICA CORP             COMMON STOCKS   060505104        2533        48372 SH
  BANK OF AMERICA CORP             COMMON STOCKS   060505104        1405        26817 SH
  BANK OF NEW YORK INC             COMMON STOCKS   064057102         328         5852 SH
  BANK OF NEW YORK INC             COMMON STOCKS   064057102        1256        22400 SH
  BANK ONE CORP                    COMMON STOCKS   06423A103         264         6842 SH
  BANK ONE CORP                    COMMON STOCKS   06423A103          38          983 SH
  BAXTER INTL INC                  COMMON STOCKS   071813109         304         3804 SH
  BAXTER INTL INC                  COMMON STOCKS   071813109          20          250 SH
  BAXTER INTL INC                  COMMON STOCKS   071813109           6           70 SH
  BEAR STEARNS CO INC              COMMON STOCKS   073902108          45          721 SH
  BEAR STEARNS CO INC              COMMON STOCKS   073902108         177         2810 SH
  BECKMAN COULTER, INC.            COMMON STOCKS   075811109        2890        37474 SH
  BECKMAN COULTER, INC.            COMMON STOCKS   075811109         270         3500 SH
  BELLSOUTH CORP                   COMMON STOCKS   079860102        2021        50200 SH
  BELLSOUTH CORP                   COMMON STOCKS   079860102          24          608 SH
  BELLSOUTH CORP                   COMMON STOCKS   079860102         540        13404 SH
  BERKSHIRE HATHAWAY INC           COMMON STOCKS   084670108       11592          180 SH
  BERKSHIRE HATHAWAY INC           COMMON STOCKS   084670207         559          270 SH
  BERKSHIRE HATHAWAY INC           COMMON STOCKS   084670207          46           22 SH
  BLACK BOX CORP                   COMMON STOCKS   091826107         511        10950 SH
  BLACK HILLS CORP                 COMMON STOCKS   092113109         702        25000 SH
  BLOCK H & R INC                  COMMON STOCKS   093671105         793        21400 SH
  BOEING CO                        COMMON STOCKS   097023105         932        14795 SH
  BOEING CO                        COMMON STOCKS   097023105         822        13052 SH
  BRANDYWINE FD INC                MUTUAL FUNDS-EQ 10532D107         366         7928 PRN
  BRISTOL MYERS SQUIBB CO          COMMON STOCKS   110122108        2338        40920 SH
  BRISTOL MYERS SQUIBB CO          COMMON STOCKS   110122108          23          400 SH
  BRISTOL MYERS SQUIBB CO          COMMON STOCKS   110122108         560         9800 SH
  CCB                              MUTUAL FUNDS-EQ 12500E307       65602      3065496 PRN
  CCB                              MUTUAL FUNDS-EQ 12500E307        6503       303887 PRN
  CMS ENERGY CORP                  COMMON STOCKS   125896100         442        16390 SH
  CMS ENERGY CORP                  COMMON STOCKS   125896100         210         7800 SH
  CP&L ENERGY                      COMMON STOCKS   12614C106        3594        86224 SH
  CP&L ENERGY                      COMMON STOCKS   12614C106          56         1335 SH
  CVS CORPORATION                  COMMON STOCKS   126650100         190         4100 SH
  CVS CORPORATION                  COMMON STOCKS   126650100          32          700 SH
  CALPINE CORPORATION              COMMON STOCKS   131347106         793         7600 SH
  CALPINE CORPORATION              COMMON STOCKS   131347106         261         2500 SH
  CAP ONE FINANCIAL CORP           COMMON STOCKS   14040H105       10322       147331 SH
  CAP ONE FINANCIAL CORP           COMMON STOCKS   14040H105         354         5050 SH
  CARNIVAL CORP.                   COMMON STOCKS   143658102         281        11400 SH
  CARNIVAL CORP.                   COMMON STOCKS   143658102          11          450 SH
  CARNIVAL CORP.                   COMMON STOCKS   143658102         261        10600 SH
  CENTURA BKS INC                  COMMON STOCKS   15640T100         996        25997 SH
  CENTURA BKS INC                  COMMON STOCKS   15640T100        1439        37550 SH
  CHASE MANHATTAN CORP             COMMON STOCKS   16161A108         321         6952 SH
  CHASE MANHATTAN CORP             COMMON STOCKS   16161A108          21          450 SH
  CHASE MANHATTAN CORP             COMMON STOCKS   16161A108         303         6562 SH
  CHEVRON CORP                     COMMON STOCKS   166751107        1186        13910 SH
  CHEVRON CORP                     COMMON STOCKS   166751107          21          250 SH
  CHEVRON CORP                     COMMON STOCKS   166751107         240         2816 SH
  CISCO SYSTEMS                    COMMON STOCKS   17275R102       14063       254528 SH
  CISCO SYSTEMS                    COMMON STOCKS   17275R102          17          300 SH
  CISCO SYSTEMS                    COMMON STOCKS   17275R102        2711        49076 SH
  CISCO SYSTEMS                    COMMON STOCKS   17275R102         166         2996 SH
  CITIGROUP INC                    COMMON STOCKS   172967101        2176        40242 SH
  CITIGROUP INC                    COMMON STOCKS   172967101          23          433 SH
  CITIGROUP INC                    COMMON STOCKS   172967101        1901        35163 SH
  CLAYTON HOMES INC                COMMON STOCKS   184190106         279        27927 SH
  CLEAR CHANNEL COMMUNICATIONS     COMMON STOCKS   184502102         355         6280 SH
  CLEAR CHANNEL COMMUNICATIONS     COMMON STOCKS   184502102         119         2100 SH
  COCA COLA CO                     COMMON STOCKS   191216100        3747        67977 SH
  COCA COLA CO                     COMMON STOCKS   191216100         281         5100 SH
  COLGATE PALMOLIVE CO             COMMON STOCKS   194162103        1014        21478 SH
  COLGATE PALMOLIVE CO             COMMON STOCKS   194162103         151         3200 SH
  COMMSCOPE INC                    COMMON STOCKS   203372107        3184       129960 SH
  COMMSCOPE INC                    COMMON STOCKS   203372107         170         6950 SH
  COMPAQ COMPUTER CORP             COMMON STOCKS   204493100        1960        71079 SH
  COMPAQ COMPUTER CORP             COMMON STOCKS   204493100         221         8018 SH
  COMPAQ COMPUTER CORP             COMMON STOCKS   204493100          14          500 SH
  COMPUTER SCIENCES CORP           COMMON STOCKS   205363104         298         4020 SH
  COMPUTER SCIENCES CORP           COMMON STOCKS   205363104         442         5950 SH
  CONE MILLS CORP                  COMMON STOCKS   206814105          43         9500 SH
  CONE MILLS CORP                  COMMON STOCKS   206814105         247        54942 SH
  CORNING INC                      COMMON STOCKS   219350105         684         2303 SH
  DALLAS SEMICONDUCTOR CORP        COMMON STOCKS   235204104         112         3400 SH
  DALLAS SEMICONDUCTOR CORP        COMMON STOCKS   235204104         276         8400 SH
  DANAHER CORP                     COMMON STOCKS   235851102          72         1447 SH
  DANAHER CORP                     COMMON STOCKS   235851102         450         9041 SH
  DELHAIZE AMERICA                 COMMON STOCKS   246688204         106         6333 SH
  DELHAIZE AMERICA                 COMMON STOCKS   246688204         151         9000 SH
  DELPHI AUTOMOTIVE SYSTEMS        COMMON STOCKS   247126105         124         8212 SH
  DELPHI AUTOMOTIVE SYSTEMS        COMMON STOCKS   247126105          21         1391 SH
  DELPHI AUTOMOTIVE SYSTEMS        COMMON STOCKS   247126105           8          558 SH
  DENTSPLY INTERNATIONAL INC       COMMON STOCKS   249030107        1694        48475 SH
  DIEBOLD INC                      COMMON STOCKS   253651103        1670        62862 SH
  DIEBOLD INC                      COMMON STOCKS   253651103          66         2500 SH
  DISNEY WALT CO                   COMMON STOCKS   254687106        1450        37907 SH
  DISNEY WALT CO                   COMMON STOCKS   254687106         184         4800 SH
  DOMINION RESOURCES               COMMON STOCKS   25746U109         223         3844 SH
  DOMINION RESOURCES               COMMON STOCKS   25746U109          42          723 SH
  DOVER CORP                       COMMON STOCKS   260003108         771        16429 SH
  DOW CHEM CO                      COMMON STOCKS   260543103         287        11508 SH
  DOW CHEM CO                      COMMON STOCKS   260543103          10          405 SH
  DREYFUS FD                       MUTUAL FUNDS-EQ 262003106         152        12123 PRN
  DU PONT E I DE NEMOURS & CO      COMMON STOCKS   263534109         544        13118 SH
  DU PONT E I DE NEMOURS & CO      COMMON STOCKS   263534109         648        15645 SH
  DU PONT E I DE NEMOURS & CO      COMMON STOCKS   263534109         124         3000 SH
  DUFF & PHELPS UTILS INCOME INC   CLOSED END FUND 264324104         178        18300 PRN
  DUKE ENERGY CORP                 COMMON STOCKS   264399106        5717        66665 SH
  DUKE ENERGY CORP                 COMMON STOCKS   264399106         895        10434 SH
  DUKE ENERGY CORP                 COMMON STOCKS   264399106          78          906 SH
  EMC CORP                         COMMON STOCKS   268648102       26647       268818 SH
  EMC CORP                         COMMON STOCKS   268648102        8208        82800 SH
  EASTMAN KODAK CO                 COMMON STOCKS   277461109         222         5434 SH
  EASTMAN KODAK CO                 COMMON STOCKS   277461109         198         4850 SH
  EATON CORP                       COMMON STOCKS   278058102        1103        17900 SH
  EATON CORP                       COMMON STOCKS   278058102         752        12200 SH
  ELECTRONICS FOR IMAGING          COMMON STOCKS   286082102        1552        61475 SH
  ELECTRONICS FOR IMAGING          COMMON STOCKS   286082102          25         1000 SH
  GENERAL ELECTRIC ELFUN           MUTUAL FUNDS-EQ 286281100         201         2731 PRN
  EMERSON ELECTRIC CO              COMMON STOCKS   291011104         391         5840 SH
  EMERSON ELECTRIC CO              COMMON STOCKS   291011104         293         4376 SH
  ENERGIZER HOLDINGS               COMMON STOCKS   29266R108        1023        41764 SH
  ENERGIZER HOLDINGS               COMMON STOCKS   29266R108          74         3000 SH
  ENRON CORP                       COMMON STOCKS   293561106         484         5519 SH
  ENRON CORP                       COMMON STOCKS   293561106          72          820 SH
  ENTREMED INC                     COMMON STOCKS   29382F103         287        10304 SH
  EQUITABLE RES INC                COMMON STOCKS   294549100         428         6750 SH
  EQUITY INCOME FD                 COMMON STOCKS   294700703        4744        30435 SH
  EQUITY INCOME FD                 COMMON STOCKS   294700703         592         3800 SH
  EXODUS COMMUNICATIONS INC        COMMON STOCKS   302088109        1304        26400 SH
  EXODUS COMMUNICATIONS INC        COMMON STOCKS   302088109          20          400 SH
  EXXON MOBIL CORP                 COMMON STOCKS   30231G102       18631       209043 SH
  EXXON MOBIL CORP                 COMMON STOCKS   30231G102          22          250 SH
  EXXON MOBIL CORP                 COMMON STOCKS   30231G102        4840        54302 SH
  FAMILY DLR STORES INC            COMMON STOCKS   307000109         544        28250 SH
  FEDERAL HOME LOAN MORTGAGE CORP  COMMON STOCKS   313400301         574        10622 SH
  FEDERAL HOME LOAN MORTGAGE CORP  COMMON STOCKS   313400301         108         2000 SH
  FEDERAL HOME LOAN MORTGAGE CORP  COMMON STOCKS   313400301          27          500 SH
  FEDERAL NATIONAL MORTGAGE ASSN   COMMON STOCKS   313586109        6704        93766 SH
  FEDERAL NATIONAL MORTGAGE ASSN   COMMON STOCKS   313586109         333         4662 SH
  FEDERAL NATIONAL MORTGAGE ASSN   COMMON STOCKS   313586109          36          500 SH
  FEDERATED                        MUTUAL FUNDS-FI 313923500       29460      2843647 PRN
  FEDERATED                        MUTUAL FUNDS-FI 313923500        2508       242055 PRN
  FEDERATED                        MUTUAL FUNDS-FI 314184102         771        70210 PRN
  FEDERATED                        MUTUAL FUNDS-FI 314184102         250        22744 PRN
  FEDERATED INCOME TRUST           MUTUAL FUNDS-FI 314199100         211        21085 PRN
  FEDERATED                        MUTUAL FUNDS-FI 31420C209          94        10921 PRN
  FEDERATED                        MUTUAL FUNDS-FI 31420C407       59600      6201843 PRN
  FEDERATED                        MUTUAL FUNDS-FI 31420C407         177        18372 PRN
  FEDERATED                        MUTUAL FUNDS-FI 31420C407        3401       353887 PRN
  FEDERATED SHORT INTER MUN TR SH  MUTUAL FUNDS-FI 314280108          29         2829 PRN
  FEDERATED SHORT INTER MUN TR SH  MUTUAL FUNDS-FI 314280108         161        15973 PRN
  FEDEX CORP                       COMMON STOCKS   31428X106        2479        55906 SH
  FEDEX CORP                       COMMON STOCKS   31428X106         621        14000 SH
  FIDELITY ADV INST EQUITY GROWTH  MUTUAL FUNDS-EQ 315805101        1677        22784 PRN
  FIDELITY ADV INST EQUITY GROWTH  MUTUAL FUNDS-EQ 315805101         142         1930 PRN
  FIDELITY MID-CAP STOCK FD        MUTUAL FUNDS-EQ 316128404         266         9859 PRN
  FIDELITY NATIONAL FINL INC       COMMON STOCKS   316326107         260        10488 SH
  FIRST CITIZENS BCSHS             COMMON STOCKS   31946M103         272         3800 SH
  FIRST UNION CORP                 COMMON STOCKS   337358105        1673        51989 SH
  FIRST UNION CORP                 COMMON STOCKS   337358105         147         4571 SH
  FIRST UNION CORP                 COMMON STOCKS   337358105          13          400 SH
  FLOWERS INDS INC                 COMMON STOCKS   343496105        1983       101675 SH
  FLOWERS INDS INC                 COMMON STOCKS   343496105         371        19000 SH
  FORD MTR CO                      COMMON STOCKS   345370860        2133        84285 SH
  FORD MTR CO                      COMMON STOCKS   345370860           5          188 SH
  FORD MTR CO                      COMMON STOCKS   345370860         302        11928 SH
  FORTUNE BRANDS INC               COMMON STOCKS   349631101         769        29000 SH
  FORTUNE BRANDS INC               COMMON STOCKS   349631101         318        12000 SH
  FRANKLIN                         MUTUAL FUNDS-EQ 35251D103        3047        52319 PRN
  FRANKLIN                         MUTUAL FUNDS-EQ 35251D103         133         2278 PRN
  FRANKLIN                         MUTUAL FUNDS-FI 353496607         122        18334 PRN
  FRANKLIN                         MUTUAL FUNDS-EQ 354713109        2569        50682 PRN
  FRANKLIN                         MUTUAL FUNDS-EQ 354713109         210         4136 PRN
  FRANKLIN                         MUTUAL FUNDS-FI 354723793         606        53204 PRN
  FRANKLIN                         MUTUAL FUNDS-FI 354723793          82         7242 PRN
  GALLAHER GROUP PLC ADR           COMMON STOCKS   363595109         455        19572 SH
  GAP INC                          COMMON STOCKS   364760108         324        16100 SH
  GAP INC                          COMMON STOCKS   364760108          68         3374 SH
  GATEWAY INC                      COMMON STOCKS   367626108        1452        31060 SH
  GATEWAY INC                      COMMON STOCKS   367626108         463         9900 SH
  GENERAL ELEC CO                  COMMON STOCKS   369604103       32579       564757 SH
  GENERAL ELEC CO                  COMMON STOCKS   369604103          19          325 SH
  GENERAL ELEC CO                  COMMON STOCKS   369604103        6922       119995 SH
  GENERAL ELEC CO                  COMMON STOCKS   369604103         138         2400 SH
  GENERAL MILLS INC                COMMON STOCKS   370334104         225         6334 SH
  GENERAL MILLS INC                COMMON STOCKS   370334104         170         4800 SH
  GENERAL MTRS CORP                COMMON STOCKS   370442105         757        11644 SH
  GENERAL MTRS CORP                COMMON STOCKS   370442105           4           60 SH
  GENERAL MTRS CORP                COMMON STOCKS   370442105          69         1068 SH
  GENERAL MTRS CORP                COMMON STOCKS   370442832         376        10107 SH
  GENERAL MTRS CORP                COMMON STOCKS   370442832         807        21714 SH
  GENTEX CORP                      COMMON STOCKS   371901109        4418       176720 SH
  GENTEX CORP                      COMMON STOCKS   371901109         124         4950 SH
  GENLYTE GROUP INC                COMMON STOCKS   372302109        1775        69435 SH
  GENLYTE GROUP INC                COMMON STOCKS   372302109         486        19000 SH
  GERBER SCIENTIFIC INC            COMMON STOCKS   373730100          67         7775 SH
  GERBER SCIENTIFIC INC            COMMON STOCKS   373730100          98        11350 SH
  GILLETTE CO                      COMMON STOCKS   375766102        1169        37871 SH
  GILLETTE CO                      COMMON STOCKS   375766102          86         2800 SH
  GLAXO PLC SPONSORED ADR          COMMON STOCKS   37733W105         683        11303 SH
  GLAXO PLC SPONSORED ADR          COMMON STOCKS   37733W105         121         2000 SH
  GLOBAL MARINE INC                COMMON STOCKS   379352404         360        11650 SH
  GLOBAL MARINE INC                COMMON STOCKS   379352404          15          500 SH
  GOLDMAN SACHS                    MUTUAL FUNDS-FI 38141W208         543        56700 PRN
  GOLDMAN SACHS                    MUTUAL FUNDS-FI 38141W208          58         6062 PRN
  GOLDMAN SACHS                    MUTUAL FUNDS-FI 38141W307        1121       118371 PRN
  GOLDMAN SACHS                    MUTUAL FUNDS-FI 38141W307         169        17887 PRN
  GOLDMAN SACHS                    MUTUAL FUNDS-EQ 38142B146        5646       203156 PRN
  GOLDMAN SACHS                    MUTUAL FUNDS-EQ 38142B146          75         2683 PRN
  GREY GLOBAL GROUP                COMMON STOCKS   39787M108         770         1242 SH
  GREY GLOBAL GROUP                COMMON STOCKS   39787M108         378          610 SH
  HALLIBURTON CO                   COMMON STOCKS   406216101         313         6400 SH
  HALLIBURTON CO                   COMMON STOCKS   406216101          22          450 SH
  HALLIBURTON CO                   COMMON STOCKS   406216101          34          700 SH
  HALLIBURTON CO                   COMMON STOCKS   406216101          24          500 SH
  HARBOR                           MUTUAL FUNDS-EQ 411511504        8817       174632 PRN
  HARBOR                           MUTUAL FUNDS-EQ 411511504         326         6462 PRN
  HARRIS CORP                      COMMON STOCKS   413875105        2628        92400 SH
  HARRIS CORP                      COMMON STOCKS   413875105         304        10675 SH
  HEINZ H J CO                     COMMON STOCKS   423074103        1609        43424 SH
  HEINZ H J CO                     COMMON STOCKS   423074103         256         6900 SH
  HEINZ H J CO                     COMMON STOCKS   423074103          17          450 SH
  HEWLETT PACKARD CO               COMMON STOCKS   428236103        2279        23494 SH
  HEWLETT PACKARD CO               COMMON STOCKS   428236103        1188        12250 SH
  HEWLETT PACKARD CO               COMMON STOCKS   428236103          49          500 SH
  HOME DEPOT INC                   COMMON STOCKS   437076102        2341        44117 SH
  HOME DEPOT INC                   COMMON STOCKS   437076102         388         7317 SH
  HONEYWELL INTERNATIONAL (NEW)    COMMON STOCKS   438516106        2422        67990 SH
  HONEYWELL INTERNATIONAL (NEW)    COMMON STOCKS   438516106          32          900 SH
  HONEYWELL INTERNATIONAL (NEW)    COMMON STOCKS   438516106         532        14939 SH
  HOUSEHOLD INTL INC               COMMON STOCKS   441815107        4972        87807 SH
  HOUSEHOLD INTL INC               COMMON STOCKS   441815107          45          800 SH
  HUBBELL HARVEY INC               COMMON STOCKS   443510201         619        24687 SH
  HUBBELL HARVEY INC               COMMON STOCKS   443510201          64         2552 SH
  IDG BOOKS WORLDWIDE INC          COMMON STOCKS   449384106        2052       221800 SH
  IDG BOOKS WORLDWIDE INC          COMMON STOCKS   449384106         467        50500 SH
  IHOP CORP                        COMMON STOCKS   449623107        2105       110075 SH
  IHOP CORP                        COMMON STOCKS   449623107         263        13750 SH
  INGERSOLL RAND CO                COMMON STOCKS   456866102         617        18227 SH
  INGERSOLL RAND CO                COMMON STOCKS   456866102         392        11575 SH
  INTEL CORP                       COMMON STOCKS   458140100       12302       295976 SH
  INTEL CORP                       COMMON STOCKS   458140100          17          400 SH
  INTEL CORP                       COMMON STOCKS   458140100        7770       186950 SH
  IBM CORP                         COMMON STOCKS   459200101        3762        33437 SH
  IBM CORP                         COMMON STOCKS   459200101          34          300 SH
  IBM CORP                         COMMON STOCKS   459200101        2129        18924 SH
  INTERNATIONAL PAPER CO           COMMON STOCKS   460146103         796        27756 SH
  INTERNATIONAL PAPER CO           COMMON STOCKS   460146103         368        12820 SH
  FEDERATED                        MUTUAL FUNDS-IN 46031P308        2311        91259 PRN
  FEDERATED                        MUTUAL FUNDS-IN 46031P308          50         1957 PRN
  INTERPUBLIC GROUP                COMMON STOCKS   460690100        2832        83152 SH
  INTERPUBLIC GROUP                COMMON STOCKS   460690100         273         8000 SH
  SCUDDER                          MUTUAL FUNDS-EQ 460965882         726        26890 PRN
  SCUDDER                          MUTUAL FUNDS-EQ 460965882          65         2423 PRN
  INTIMATE BRANDS                  COMMON STOCKS   461156101         510        27270 SH
  INTIMATE BRANDS                  COMMON STOCKS   461156101          13          700 SH
  INVESTORS TITLE INS CO           COMMON STOCKS   461804106         154        14000 SH
  INVESTORS TITLE INS CO           COMMON STOCKS   461804106          86         7812 SH
  JDS UNIPHASE CORP                COMMON STOCKS   46612J101        2121        22401 SH
  JDS UNIPHASE CORP                COMMON STOCKS   46612J101        2970        31366 SH
  JANUS                            MUTUAL FUNDS-EQ 471023101         325         7103 PRN
  JANUS                            MUTUAL FUNDS-EQ 471023101         513        11219 PRN
  JANUS                            MUTUAL FUNDS-IN 471023309         598         8110 PRN
  JANUS                            MUTUAL FUNDS-IN 471023309         887        12026 PRN
  JEFFERSON PILOT CORP             COMMON STOCKS   475070108        5180        76323 SH
  JEFFERSON PILOT CORP             COMMON STOCKS   475070108        2598        38269 SH
  JOHNSON & JOHNSON                COMMON STOCKS   478160104        3866        41153 SH
  JOHNSON & JOHNSON                COMMON STOCKS   478160104        1484        15800 SH
  JOHNSON & JOHNSON                COMMON STOCKS   478160104          38          400 SH
  JOHNSON CONTROLS                 COMMON STOCKS   478366107         204         3840 SH
  KLA TENCOR CORP                  COMMON STOCKS   482480100         412        10000 SH
  KANSAS CITY SOUTHN INDS INC      COMMON STOCKS   485170302          15         1700 SH
  KANSAS CITY SOUTHN INDS INC      COMMON STOCKS   485170302          86         9850 SH
  KELLOGG CO                       COMMON STOCKS   487836108         241         9980 SH
  KENAN TRANS CO                   COMMON STOCKS   488539107         282        11520 SH
  KEYCORP NEW                      COMMON STOCKS   493267108         513        20278 SH
  KEYCORP NEW                      COMMON STOCKS   493267108         119         4700 SH
  KIMBERLY CLARK CORP              COMMON STOCKS   494368103         523         9375 SH
  KIMBERLY CLARK CORP              COMMON STOCKS   494368103          95         1700 SH
  KOHLS CORPORATION                COMMON STOCKS   500255104         485         8400 SH
  KOHLS CORPORATION                COMMON STOCKS   500255104         115         2000 SH
  LA-Z-BOY CHAIR CO                COMMON STOCKS   505336107         873        59925 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        3986       106295 SH
  LEXMARK INTL GROUP INC CL A      COMMON STOCKS   529771107         240         6400 SH
  ELI LILLY                        COMMON STOCKS   532457108        2496        30763 SH
  ELI LILLY                        COMMON STOCKS   532457108          20          250 SH
  LINCARE HLD INC                  COMMON STOCKS   532791100         489        17050 SH
  LINCARE HLD INC                  COMMON STOCKS   532791100          26          900 SH
  LINCOLN ELECTRIC HOLDINGS        COMMON STOCKS   533900106         513        38525 SH
  LINCOLN ELECTRIC HOLDINGS        COMMON STOCKS   533900106         137        10325 SH
  LOCKHEED MARTIN CORP             COMMON STOCKS   539830109         478        14500 SH
  LOOMIS SAYLES                    MUTUAL FUNDS-FI 543487607        6303       546692 PRN
  LOOMIS SAYLES                    MUTUAL FUNDS-FI 543487607           4          368 PRN
  LOWES COS INC                    COMMON STOCKS   548661107        6644       148065 SH
  LOWES COS INC                    COMMON STOCKS   548661107          27          600 SH
  LOWES COS INC                    COMMON STOCKS   548661107         500        11150 SH
  LOWES COS INC                    COMMON STOCKS   548661107          27          600 SH
  LUCENT TECHNOLOGIES INC          COMMON STOCKS   549463107        2989        97811 SH
  LUCENT TECHNOLOGIES INC          COMMON STOCKS   549463107           4          116 SH
  LUCENT TECHNOLOGIES INC          COMMON STOCKS   549463107         439        14376 SH
  LUCENT TECHNOLOGIES INC          COMMON STOCKS   549463107          24          800 SH
  MFS                              CLOSED END FUND 55273C107        3565       559183 PRN
  MGIC INVESTMENT                  COMMON STOCKS   552848103         695        11365 SH
  MAS                              MUTUAL FUNDS-EQ 552913782        2357        67063 PRN
  MAS                              MUTUAL FUNDS-EQ 552913782          41         1180 PRN
  MFS                              MUTUAL FUNDS-FI 552984601        4865      1055354 PRN
  MFS                              MUTUAL FUNDS-FI 552984601         675       146439 PRN
  MMC NETWORKS INC                 COMMON STOCKS   55308N102         860         6800 SH
  MTS SYS CORP                     COMMON STOCKS   553777103          32         4500 SH
  MTS SYS CORP                     COMMON STOCKS   553777103          63         9000 SH
  MACROMEDIA INC                   COMMON STOCKS   556100105          16          200 SH
  MACROMEDIA INC                   COMMON STOCKS   556100105         430         5326 SH
  MANAGERS                         MUTUAL FUNDS-EQ 561717208        1359        13473 PRN
  MANAGERS                         MUTUAL FUNDS-EQ 561717208         218         2158 PRN
  MANULIFE FINANCIAL CORP          COMMON STOCKS   56501R106         457        22001 SH
  MARSH & MCLENNAN COS INC         COMMON STOCKS   571748102        1667        12555 SH
  MARSH & MCLENNAN COS INC         COMMON STOCKS   571748102         385         2900 SH
  MARTIN MARIETTA MATERIALS, INC.  COMMON STOCKS   573284106        3914       102245 SH
  MARTIN MARIETTA MATERIALS, INC.  COMMON STOCKS   573284106         387        10100 SH
  MASCO CORP                       COMMON STOCKS   574599106         186         9980 SH
  MASCO CORP                       COMMON STOCKS   574599106         104         5600 SH
  MFS                              MUTUAL FUNDS-EQ 575719406        5954       271124 PRN
  MFS                              MUTUAL FUNDS-EQ 575719406          11          493 PRN
  MAST OPTICAL SYSTEMS INC         COMMON STOCKS   576311104           0        10000 SH
  MCDONALDS CORP                   COMMON STOCKS   580135101        1045        34610 SH
  MCDONALDS CORP                   COMMON STOCKS   580135101         136         4500 SH
  MCGRAW HILL INC                  COMMON STOCKS   580645109        3036        47760 SH
  MCGRAW HILL INC                  COMMON STOCKS   580645109         388         6100 SH
  MEDTRONIC INC                    COMMON STOCKS   585055106        5424       104681 SH
  MEDTRONIC INC                    COMMON STOCKS   585055106        7191       138794 SH
  MERCK & CO INC                   COMMON STOCKS   589331107       11012       147937 SH
  MERCK & CO INC                   COMMON STOCKS   589331107        3068        41214 SH
  MERCK & CO INC                   COMMON STOCKS   589331107          37          500 SH
  MERRILL LYNCH & CO INC           COMMON STOCKS   590188108         345         5230 SH
  MERRILL LYNCH & CO INC           COMMON STOCKS   590188108          18          280 SH
  MICROSOFT CORP                   COMMON STOCKS   594918104        7763       128715 SH
  MICROSOFT CORP                   COMMON STOCKS   594918104          24          400 SH
  MICROSOFT CORP                   COMMON STOCKS   594918104        1303        21605 SH
  MINNESOTA MNG & MFG CO           COMMON STOCKS   604059105         547         6005 SH
  MINNESOTA MNG & MFG CO           COMMON STOCKS   604059105         109         1200 SH
  MOLEX INC                        COMMON STOCKS   608554101         298         5468 SH
  MORGAN J P & CO INC              COMMON STOCKS   616880100         857         5245 SH
  MORGAN J P & CO INC              COMMON STOCKS   616880100          33          200 SH
  MORGAN ST DEAN WITTER            COMMON STOCKS   617446448        1868        20424 SH
  MORGAN ST DEAN WITTER            COMMON STOCKS   617446448         370         4050 SH
  MORGAN STANLEY INSTITUTIONAL FD  MUTUAL FUNDS-IN 61744J408        8330       416475 PRN
  MORGAN STANLEY INSTITUTIONAL FD  MUTUAL FUNDS-IN 61744J408        1482        74108 PRN
  MORGAN STANLEY DEAN WITTER       CLOSED END FUND 61745P106         206        25000 PRN
  MOTOROLA INC                     COMMON STOCKS   620076109        1722        60950 SH
  MOTOROLA INC                     COMMON STOCKS   620076109          23          800 SH
  MOTOROLA INC                     COMMON STOCKS   620076109        1012        35825 SH
  MUTUAL RISK MANAGEMENT LTD       COMMON STOCKS   628351108          42         1934 SH
  MUTUAL RISK MANAGEMENT LTD       COMMON STOCKS   628351108         221        10064 SH
  FRANKLIN                         MUTUAL FUNDS-EQ 628380206         224        12812 PRN
  NACCO INDUSTRIES                 COMMON STOCKS   629579103        1554        37000 SH
  NACCO INDUSTRIES                 COMMON STOCKS   629579103         189         4500 SH
  NATL COMMERCE BANCORPORATION     COMMON STOCKS   635449101       26904      1349399 SH
  NATL COMMERCE BANCORPORATION     COMMON STOCKS   635449101         899        45080 SH
  NATL COMMERCE BANCORPORATION     COMMON STOCKS   635449101        8980       450427 SH
  NATIONAL-OILWELL INC             COMMON STOCKS   637071101        1866        59700 SH
  NATIONAL-OILWELL INC             COMMON STOCKS   637071101           3          100 SH
  NATIONS                          MUTUAL FUNDS-FI 638582502         854        82985 PRN
  NEXTEL COMMUNICATIONS            COMMON STOCKS   65332V103        1057        22600 SH
  NORFOLK SOUTHERN CORP            COMMON STOCKS   655844108         486        33225 SH
  NORFOLK SOUTHERN CORP            COMMON STOCKS   655844108          43         2912 SH
  NORTEL NETWORKS CORP             COMMON STOCKS   656568102        4106        68930 SH
  NORTEL NETWORKS CORP             COMMON STOCKS   656568102          77         1300 SH
  NUVEEN                           MUTUAL FUNDS-FI 67065N761         497        49751 PRN
  NUVEEN                           CLOSED END FUND 670984103         340        26000 PRN
  OAKWOOD HOMES CORP               COMMON STOCKS   674098108          20        13200 SH
  OLD REP INTL CORP                COMMON STOCKS   680223104         466        19348 SH
  ORACLE SYSTEMS                   COMMON STOCKS   68389X105       11545       146603 SH
  ORACLE SYSTEMS                   COMMON STOCKS   68389X105        1965        24950 SH
  ORACLE SYSTEMS                   COMMON STOCKS   68389X105         118         1500 SH
  OUTBACK STEAKHOUSE INC           COMMON STOCKS   689899102         135         4981 SH
  OUTBACK STEAKHOUSE INC           COMMON STOCKS   689899102          90         3300 SH
  PECO ENERGY CO                   COMMON STOCKS   693304107         195         3215 SH
  PECO ENERGY CO                   COMMON STOCKS   693304107          55          900 SH
  PIMCO                            MUTUAL FUNDS-FI 693390700        6132       607722 PRN
  PIMCO                            MUTUAL FUNDS-FI 693390700         281        27857 PRN
  PACIFIC CAPITAL                  MUTUAL FUNDS-FI 694048208         463        44987 PRN
  PACIFIC CAPITAL                  MUTUAL FUNDS-EQ 694048505        1412        70906 PRN
  PALM BEACH CNTY FLA HEALTH FACS  MUNICIPAL BONDS 696507MH2         317       300000 PRN
  PALM INC                         COMMON STOCKS   696642107        1884        35591 SH
  PENTON MEDIA INC                 COMMON STOCKS   709668107         275        10000 SH
  PEOPLES BANK                     COMMON STOCKS   710198102         702        33350 SH
  PEOPLES BANK                     COMMON STOCKS   710198102          84         3975 SH
  PEOPLES BANK                     COMMON STOCKS   710198102          11          500 SH
  PEPSICO INC                      COMMON STOCKS   713448108        2852        62000 SH
  PEPSICO INC                      COMMON STOCKS   713448108        1654        35960 SH
  PERKINELMER INC                  COMMON STOCKS   714046109        1336        12800 SH
  PERKINELMER INC                  COMMON STOCKS   714046109        1148        11000 SH
  PETROLEUM & RES CORP             COMMON STOCKS   716549100        3295        78326 SH
  PETROLEUM & RES CORP             COMMON STOCKS   716549100        1161        27599 SH
  PFIZER INC                       COMMON STOCKS   717081103       19388       431447 SH
  PFIZER INC                       COMMON STOCKS   717081103        4114        91551 SH
  PFIZER INC                       COMMON STOCKS   717081103          40          900 SH
  PHARMACIA CORPORATION            COMMON STOCKS   71713U102        3577        59438 SH
  PHARMACIA CORPORATION            COMMON STOCKS   71713U102          66         1100 SH
  PHILIP MORRIS COS INC            COMMON STOCKS   718154107         640        21752 SH
  PHILIP MORRIS COS INC            COMMON STOCKS   718154107         545        18500 SH
  PHILLIPS PETROLEUM CO            COMMON STOCKS   718507106         789        12575 SH
  PHYAMERICA PHYSICIAN GROUP       COMMON STOCKS   71940A101           2        10500 SH
  PIEDMONT NAT GAS INC             COMMON STOCKS   720186105         219         7165 SH
  PIEDMONT NAT GAS INC             COMMON STOCKS   720186105          21          700 SH
  PITNEY-BOWES INC                 COMMON STOCKS   724479100         724        18363 SH
  PITNEY-BOWES INC                 COMMON STOCKS   724479100         284         7200 SH
  PLANTRONICS INC                  COMMON STOCKS   727493108         114         3000 SH
  PLANTRONICS INC                  COMMON STOCKS   727493108         958        25200 SH
  POST PROPERTIES INC              COMMON STOCKS   737464107         218         5000 SH
  PRICE (T.ROWE) ASSOCIATES        COMMON STOCKS   741477103          28          600 SH
  PRICE (T.ROWE) ASSOCIATES        COMMON STOCKS   741477103         516        11000 SH
  PROCTER & GAMBLE CO              COMMON STOCKS   742718109        1630        24334 SH
  PROCTER & GAMBLE CO              COMMON STOCKS   742718109         107         1600 SH
  PROVIDIAN FINANCIAL CORP         COMMON STOCKS   74406A102       16771       132052 SH
  PROVIDIAN FINANCIAL CORP         COMMON STOCKS   74406A102        3378        26600 SH
  PRUDENTIAL MUNICIPAL BOND FD     MUTUAL FUNDS-FI 74435L103         221        21674 PRN
  PUTNAM                           CLOSED END FUND 746909100         173        26930 PRN
  QWEST COMMUNICATIONS INTL        COMMON STOCKS   749121109        1611        33509 SH
  QWEST COMMUNICATIONS INTL        COMMON STOCKS   749121109         381         7933 SH
  RF MICRO DEVICES                 COMMON STOCKS   749941100         594        18562 SH
  RF MICRO DEVICES                 COMMON STOCKS   749941100         909        28400 SH
  ROCKWELL INTL CORP NEW           COMMON STOCKS   773903109          65         2150 SH
  ROCKWELL INTL CORP NEW           COMMON STOCKS   773903109         219         7232 SH
  ROSS STORES INC                  COMMON STOCKS   778296103        1547       107650 SH
  ROSS STORES INC                  COMMON STOCKS   778296103         144        10000 SH
  T ROWE PRICE                     MUTUAL FUNDS-EQ 779556109         941        20986 PRN
  T ROWE PRICE                     MUTUAL FUNDS-EQ 779556109          58         1285 PRN
  T ROWE PRICE                     MUTUAL FUNDS-FI 779570100          83        10064 PRN
  T ROWE PRICE                     MUTUAL FUNDS-FI 779570100          30         3683 PRN
  T ROWE PRICE                     MUTUAL FUNDS-EQ 779572106        1974        74618 PRN
  T ROWE PRICE                     MUTUAL FUNDS-EQ 779572106           5          191 PRN
  T ROWE PRICE SMALL-CAP VALUE     MUTUAL FUNDS-EQ 77957Q103         828        40063 PRN
  T ROWE PRICE SMALL-CAP VALUE     MUTUAL FUNDS-EQ 77957Q103          40         1956 PRN
  ROYAL DUTCH PETE CO              COMMON STOCKS   780257804        2135        35614 SH
  ROYAL DUTCH PETE CO              COMMON STOCKS   780257804          21          350 SH
  ROYAL DUTCH PETE CO              COMMON STOCKS   780257804         234         3900 SH
  RUDDICK CORP                     COMMON STOCKS   781258108         452        32600 SH
  RUDDICK CORP                     COMMON STOCKS   781258108         162        11650 SH
  RYANS FAMILY STEAK HOUSES INC    COMMON STOCKS   783519101        1418       184415 SH
  RYANS FAMILY STEAK HOUSES INC    COMMON STOCKS   783519101         275        35750 SH
  SBC COMMUNICATIONS INC           COMMON STOCKS   78387G103        4160        83190 SH
  SBC COMMUNICATIONS INC           COMMON STOCKS   78387G103        1113        22267 SH
  SBC COMMUNICATIONS INC           COMMON STOCKS   78387G103          39          782 SH
  S&P 500 DEPOSITORY RECEIPT       COMMON STOCKS   78462F103        1816        12645 SH
  S&P 500 DEPOSITORY RECEIPT       COMMON STOCKS   78462F103          72          500 SH
  S&P 500 DEPOSITORY RECEIPT       COMMON STOCKS   78462F103         447         3110 SH
  SAFEGUARD SCIENTIFICS INC        COMMON STOCKS   786449108         319        16025 SH
  ST PAUL COS INC                  COMMON STOCKS   792860108         297         6015 SH
  ST PAUL COS INC                  COMMON STOCKS   792860108          49         1000 SH
  SCANA CORP                       COMMON STOCKS   80589M102         706        22852 SH
  SCHERING PLOUGH CORP             COMMON STOCKS   806605101         721        15514 SH
  SCHERING PLOUGH CORP             COMMON STOCKS   806605101         156         3352 SH
  SCHLUMBERGER LTD                 COMMON STOCKS   806857108        4718        57313 SH
  SCHLUMBERGER LTD                 COMMON STOCKS   806857108         547         6650 SH
  SCHWAB (CHARLES) CORP            COMMON STOCKS   808513105         418        11771 SH
  SCHWAB (CHARLES) CORP            COMMON STOCKS   808513105         687        19340 SH
  SEAGRAM CO LTD "ACES"            COMMON STOCKS   811850106         359         6250 SH
  SELIGMAN                         MUTUAL FUNDS-FI 816346811        2700       352505 PRN
  SEQUOIA                          MUTUAL FUNDS-EQ 817418106        3453        24592 PRN
  SONOCO PRODS CO                  COMMON STOCKS   835495102         406        22489 SH
  SONOCO PRODS CO                  COMMON STOCKS   835495102          98         5411 SH
  SOUTHERN CAPITAL TRUST I         PREFERRED STOCK 842542201          91        10000 SH
  SOUTHERN CO                      COMMON STOCKS   842587107         304         9382 SH
  SOUTHERN CO                      COMMON STOCKS   842587107          30          920 SH
  SOUTHERN CO                      COMMON STOCKS   842587107          27          832 SH
  SPRINT CORP                      COMMON STOCKS   852061100        1602        54663 SH
  SPRINT CORP                      COMMON STOCKS   852061100         352        12010 SH
  SPRINT CORP                      COMMON STOCKS   852061506         407        11606 SH
  SPRINT CORP                      COMMON STOCKS   852061506         204         5828 SH
  STAPLES INC                      COMMON STOCKS   855030102         862        60747 SH
  STAPLES INC                      COMMON STOCKS   855030102         276        19475 SH
  STATE STREET CORP                COMMON STOCKS   857477103          68          521 SH
  STATE STREET CORP                COMMON STOCKS   857477103         780         6000 SH
  STILWELL FINANCIAL               COMMON STOCKS   860831106         296         6800 SH
  STILWELL FINANCIAL               COMMON STOCKS   860831106        1714        39400 SH
  STRONG                           MUTUAL FUNDS-FI 863344107         255        24802 PRN
  STRYKER CORP                     COMMON STOCKS   863667101         772        17970 SH
  STRYKER CORP                     COMMON STOCKS   863667101        3785        88140 SH
  SUN MICROSYSTEMS INC             COMMON STOCKS   866810104        3881        33245 SH
  SUN MICROSYSTEMS INC             COMMON STOCKS   866810104         137         1176 SH
  SUNGARD DATA SYSTEMS INC         COMMON STOCKS   867363103        5440       127071 SH
  SUNGARD DATA SYSTEMS INC         COMMON STOCKS   867363103         150         3500 SH
  SUNTRUST BANKS INC               COMMON STOCKS   867914103        1584        31804 SH
  SUNTRUST BANKS INC               COMMON STOCKS   867914103         391         7847 SH
  SYMANTEC CORP                    COMMON STOCKS   871503108        2729        62030 SH
  SYMANTEC CORP                    COMMON STOCKS   871503108         476        10825 SH
  SYNOPSYS INC                     COMMON STOCKS   871607107        2346        61935 SH
  SYNOPSYS INC                     COMMON STOCKS   871607107         205         5425 SH
  SYNOVUS FINL CORP                COMMON STOCKS   87161C105        3038       143379 SH
  SYNOVUS FINL CORP                COMMON STOCKS   87161C105        1042        49177 SH
  SYSTEMAX INC                     COMMON STOCKS   871851101         311       113225 SH
  SYSTEMAX INC                     COMMON STOCKS   871851101         101        36675 SH
  TECO ENERGY INC                  COMMON STOCKS   872375100         867        30140 SH
  TECO ENERGY INC                  COMMON STOCKS   872375100         197         6835 SH
  TELLABS, INC                     COMMON STOCKS   879664100         723        15139 SH
  TELLABS, INC                     COMMON STOCKS   879664100         322         6750 SH
  TENN VALLEY AUTHORITY            PREFERRED STOCK 880591300        1863        83750 SH
  TENN VALLEY AUTHORITY            PREFERRED STOCK 880591300          22         1000 SH
  TERADYNE INC                     COMMON STOCKS   880770102         519        14837 SH
  TERADYNE INC                     COMMON STOCKS   880770102         140         4000 SH
  TEXACO INC                       COMMON STOCKS   881694103         561        10688 SH
  TEXACO INC                       COMMON STOCKS   881694103         273         5200 SH
  TEXACO INC                       COMMON STOCKS   881694103          11          203 SH
  TEXAS INSTRUMENT INC             COMMON STOCKS   882508104          57         1201 SH
  TEXAS INSTRUMENT INC             COMMON STOCKS   882508104          14          300 SH
  TEXAS INSTRUMENT INC             COMMON STOCKS   882508104         251         5320 SH
  3COM CORP                        COMMON STOCKS   885535104         461        24000 SH
  TOSCO CORP                       COMMON STOCKS   891490302        3142       100735 SH
  TOSCO CORP                       COMMON STOCKS   891490302          25          800 SH
  TOWER AUTOMOTIVE INC             COMMON STOCKS   891707101        2775       295965 SH
  TOWER AUTOMOTIVE INC             COMMON STOCKS   891707101          81         8600 SH
  TRANSWITCH CORP                  COMMON STOCKS   894065101         746        11700 SH
  TRI CONTL CORP                   CLOSED END FUND 895436103        7388       282794 PRN
  TRI CONTL CORP                   CLOSED END FUND 895436103         717        27463 PRN
  TRICON GLOBAL RESTAURANTS        COMMON STOCKS   895953107         875        28570 SH
  TRICON GLOBAL RESTAURANTS        COMMON STOCKS   895953107          90         2936 SH
  OAK VALUE FD                     MUTUAL FUNDS-EQ 900733106         503        19011 PRN
  TYCO INTERNATIONAL LTD           COMMON STOCKS   902124106        8626       166286 SH
  TYCO INTERNATIONAL LTD           COMMON STOCKS   902124106          13          250 SH
  TYCO INTERNATIONAL LTD           COMMON STOCKS   902124106         793        15290 SH
  UNILEVER N V NEW YORK SHS        COMMON STOCKS   904784709           8          160 SH
  UNILEVER N V NEW YORK SHS        COMMON STOCKS   904784709         241         5000 SH
  UNITED                           MUTUAL FUNDS-FI 910450204         109        18330 PRN
  UNITED STATES TREASURY           U.S. OBLIGATION 912827X23         748       750000 PRN
  UNITED TECHNOLOGIES CORP         COMMON STOCKS   913017109        3888        56143 SH
  UNITED TECHNOLOGIES CORP         COMMON STOCKS   913017109          33          475 SH
  UNITED TECHNOLOGIES CORP         COMMON STOCKS   913017109         173         2500 SH
  UNITEDHEALTH GROUP INC           COMMON STOCKS   91324P102         916         9275 SH
  UNITEDHEALTH GROUP INC           COMMON STOCKS   91324P102         237         2400 SH
  UNITEDHEALTH GROUP INC           COMMON STOCKS   91324P102          30          300 SH
  UNIVERSAL HEALTH SVCS INC        COMMON STOCKS   913903100          51          600 SH
  UNIVERSAL HEALTH SVCS INC        COMMON STOCKS   913903100        1558        18200 SH
  VANGUARD                         MUTUAL FUNDS-EQ 921910105        1933        41724 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 921910105         292         6299 PRN
  VANGUARD                         MUTUAL FUNDS-IN 921910204         530        25497 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031208         548        77810 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031307        6256       621896 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031307           4          425 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031604         259        25934 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 922908108        5199        39214 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 922908108        2635        19870 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 922908405         143         6183 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 922908405         108         4643 PRN
  VERIZON COMMUNICATIONS           COMMON STOCKS   92343V104        2728        56314 SH
  VERIZON COMMUNICATIONS           COMMON STOCKS   92343V104         907        18722 SH
  VIACOM INC                       COMMON STOCKS   925524308         608        10399 SH
  VIACOM INC                       COMMON STOCKS   925524308           6          108 SH
  VODAFONE GROUP PLC               COMMON STOCKS   92857W100         335         9049 SH
  VODAFONE GROUP PLC               COMMON STOCKS   92857W100         136         3670 SH
  VODAFONE GROUP PLC               COMMON STOCKS   92857W100          23          635 SH
  WACHOVIA CORP                    COMMON STOCKS   929771103         927        16346 SH
  WACHOVIA CORP                    COMMON STOCKS   929771103         935        16500 SH
  WAL-MART STORES                  COMMON STOCKS   931142103         718        14914 SH
  WAL-MART STORES                  COMMON STOCKS   931142103          19          400 SH
  WAL-MART STORES                  COMMON STOCKS   931142103         250         5200 SH
  WALGREEN CO                      COMMON STOCKS   931422109        1319        34760 SH
  WALGREEN CO                      COMMON STOCKS   931422109         247         6500 SH
  WALLACE COMPUTER SERVICES INC    COMMON STOCKS   932270101         167        10925 SH
  WASHINGTON MUTUAL INC            COMMON STOCKS   939322103        4310       108258 SH
  WASHINGTON MUTUAL INC            COMMON STOCKS   939322103         142         3560 SH
  WASHINGTON POST CO               COMMON STOCKS   939640108         633         1200 SH
  WATSON PHARMACEUTICAL INC        COMMON STOCKS   942683103        6372        98220 SH
  WATSON PHARMACEUTICAL INC        COMMON STOCKS   942683103         221         3400 SH
  WELLS FARGO COMPANY              COMMON STOCKS   949746101          57         1240 SH
  WELLS FARGO COMPANY              COMMON STOCKS   949746101         974        21200 SH
  WELLS FARGO COMPANY              COMMON STOCKS   949746101         257         5600 SH
  WEST MARINE INC                  COMMON STOCKS   954235107         352        42675 SH
  WEST MARINE INC                  COMMON STOCKS   954235107          88        10675 SH
  WORLDCOM                         COMMON STOCKS   98157D106        6113       201238 SH
  WORLDCOM                         COMMON STOCKS   98157D106          16          525 SH
  WORLDCOM                         COMMON STOCKS   98157D106         563        18522 SH
  WORLDCOM                         COMMON STOCKS   98157D106          18          600 SH
  XILINX INC                       COMMON STOCKS   983919101         108         1256 SH
  XILINX INC                       COMMON STOCKS   983919101        1130        13200 SH
  XEROX CORP                       COMMON STOCKS   984121103         199        13200 SH
  XEROX CORP                       COMMON STOCKS   984121103          86         5700 SH
  SAP AG PREF SHS VORZUG           PREFERRED STOCK D48468686          77          600 SH
  SAP AG PREF SHS VORZUG           PREFERRED STOCK D48468686         863         6750 SH
  ROCHE HOLDING                    COMMON STOCKS   H47457728        2467          280 SH
  GILAT SATELLITE NETWORKS LTD     COMMON STOCKS   M51474100          46          600 SH
  GILAT SATELLITE NETWORKS LTD     COMMON STOCKS   M51474100         315         4100 SH
  SHADOWLINE INCORPORATED, COMMON  COMMON STOCKS   SU0695001         791         3375 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
  ZLIN AEROSPACE INC.              COMMON STOCKS   SU0941009          32       450000 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                  82022
  AT&T CORP                       DEFINED               135
  AT&T CORP                       OTHER                 12071
  AT&T CORP                       DEF/OTH               749
  AXA FINANCIAL INC               SOLE                  17828
  AXA FINANCIAL INC               OTHER                 200
  ABBOTT LABS                     SOLE                  131041
  ABBOTT LABS                     OTHER                 25725
  ADAPTEC INC                     SOLE                  78975
  ADAPTEC INC                     OTHER                 21500
  ROWE CORP                       SOLE                  20000
  AEGON N V                       SOLE                  147500
  AEGON N V                       SOLE                                            15054
  AEGON N V                       OTHER                 29244
  AGILENT TECHNOLOGIES INC        SOLE                  19224
  AGILENT TECHNOLOGIES INC        OTHER                 6229
  AGILENT TECHNOLOGIES INC        DEF/OTH               190
  ROSEMYR CORP                    SOLE                  2941
  ROSEMYR CORP                    OTHER                 6745
  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                  6736
  ALLSTATE CORPORATION            OTHER                 5959
  ALLTEL CORP                     SOLE                  3278
  ALLTEL CORP                     OTHER                 2019
  ALPHA INDS INC                  OTHER                 7650
  ALTERA CORP                     SOLE                  6856
  ALTERA CORP                     SOLE                                            270
  ALTERA CORP                     OTHER                 10800
  AMERICAN CENTURY                SOLE                  205872
  AMERICAN CENTURY                SOLE                                            5696
  AMERICAN CENTURY                OTHER                 416
  AMERICAN ELEC PWR INC           SOLE                  6300
  AMERICAN ELEC PWR INC           OTHER                 1618
  AMERICAN EXPRESS CO             SOLE                  2825
  AMERICAN EXPRESS CO             DEFINED               600
  AMERICAN EXPRESS CO             OTHER                 1587
  AMERICAN GEN CORP               SOLE                  1891
  AMERICAN GEN CORP               SOLE                                            200
  AMERICAN GEN CORP               OTHER                 5970
  AMERICAN HOME PRODS CORP        SOLE                  150868
  AMERICAN HOME PRODS CORP        SOLE                               175
  AMERICAN HOME PRODS CORP        SOLE                                            776
  AMERICAN HOME PRODS CORP        DEFINED               375
  AMERICAN HOME PRODS CORP        OTHER                 40400
  AMERICAN INTL GROUP INC         SOLE                  47157
  AMERICAN INTL GROUP INC         SOLE                                            121
  AMERICAN INTL GROUP INC         DEFINED               300
  AMERICAN INTL GROUP INC         OTHER                 1688
  AMETEK INC                      SOLE                  76550
  AMETEK INC                      OTHER                 7325
  AMGEN INC                       SOLE                  72505
  AMGEN INC                       SOLE                                            50
  AMGEN INC                       OTHER                 2600
  ANHEUSER BUSCH COMPANIES        SOLE                  10600
  ANHEUSER BUSCH COMPANIES        SOLE                                            800
  ANHEUSER BUSCH COMPANIES        OTHER                 20800
  AON CORP                        SOLE                  7262
  AON CORP                        OTHER                 1828
  APPLIED MATERIALS INC           SOLE                  135833
  APPLIED MATERIALS INC           SOLE                                            700
  APPLIED MATERIALS INC           DEFINED               300
  APPLIED MATERIALS INC           OTHER                 25500
  ASSOCIATES FIRST CAPITAL - A    SOLE                  6428
  ASSOCIATES FIRST CAPITAL - A    OTHER                 2992
  AUTODESK INC.                   SOLE                  51000
  AUTODESK INC.                   OTHER                 5000
  AUTOMATIC DATA PROCESSING INC   SOLE                  62729
  AUTOMATIC DATA PROCESSING INC   SOLE                                            150
  AUTOMATIC DATA PROCESSING INC   OTHER                 1680
  AUTOMATIC DATA PROCESSING INC   DEF/OTH               600
  AVNET INC                       SOLE                  22000
  BB & T CORPORATION              SOLE                  60406
  BB & T CORPORATION              OTHER                 400
  BP AMOCO PLC                    SOLE                  89039
  BP AMOCO PLC                    SOLE                                            528
  BP AMOCO PLC                    OTHER                 11947
  BMC SOFTWARE INC                SOLE                  11100
  BANK OF AMERICA CORP            SOLE                  48372
  BANK OF AMERICA CORP            OTHER                 26817
  BANK OF NEW YORK INC            SOLE                  5852
  BANK OF NEW YORK INC            OTHER                 22400
  BANK ONE CORP                   SOLE                  6842
  BANK ONE CORP                   OTHER                 983
  BAXTER INTL INC                 SOLE                  3804
  BAXTER INTL INC                 DEFINED               250
  BAXTER INTL INC                 OTHER                 70
  BEAR STEARNS CO INC             SOLE                  721
  BEAR STEARNS CO INC             OTHER                 2810
  BECKMAN COULTER, INC.           SOLE                  37474
  BECKMAN COULTER, INC.           OTHER                 3500
  BELLSOUTH CORP                  SOLE                  49110
  BELLSOUTH CORP                  SOLE                               800
  BELLSOUTH CORP                  SOLE                                            290
  BELLSOUTH CORP                  DEFINED               608
  BELLSOUTH CORP                  OTHER                 13404
  BERKSHIRE HATHAWAY INC          OTHER                 180
  BERKSHIRE HATHAWAY INC          SOLE                  270
  BERKSHIRE HATHAWAY INC          OTHER                 22
  BLACK BOX CORP                  SOLE                  10950
  BLACK HILLS CORP                SOLE                  25000
  BLOCK H & R INC                 SOLE                  21400
  BOEING CO                       SOLE                  14795
  BOEING CO                       OTHER                 13052
  BRANDYWINE FD INC               OTHER                 7928
  BRISTOL MYERS SQUIBB CO         SOLE                  39520
  BRISTOL MYERS SQUIBB CO         SOLE                                            1400
  BRISTOL MYERS SQUIBB CO         DEFINED               400
  BRISTOL MYERS SQUIBB CO         OTHER                 9800
  CCB                             SOLE                  3058976
  CCB                             SOLE                                            6520
  CCB                             OTHER                 295669
  CCB                             OTHER                                           8218
  CMS ENERGY CORP                 SOLE                  16190
  CMS ENERGY CORP                 SOLE                                            200
  CMS ENERGY CORP                 OTHER                 7800
  CP&L ENERGY                     SOLE                  86224
  CP&L ENERGY                     OTHER                 1335
  CVS CORPORATION                 SOLE                  4100
  CVS CORPORATION                 OTHER                 700
  CALPINE CORPORATION             SOLE                  7600
  CALPINE CORPORATION             OTHER                 2500
  CAP ONE FINANCIAL CORP          SOLE                  147331
  CAP ONE FINANCIAL CORP          OTHER                 5050
  CARNIVAL CORP.                  SOLE                  11400
  CARNIVAL CORP.                  DEFINED               450
  CARNIVAL CORP.                  OTHER                 10600
  CENTURA BKS INC                 SOLE                  23442
  CENTURA BKS INC                 SOLE                                            2555
  CENTURA BKS INC                 OTHER                 37550
  CHASE MANHATTAN CORP            SOLE                  6352
  CHASE MANHATTAN CORP            SOLE                                            600
  CHASE MANHATTAN CORP            DEFINED               450
  CHASE MANHATTAN CORP            OTHER                 6562
  CHEVRON CORP                    SOLE                  13710
  CHEVRON CORP                    SOLE                                            200
  CHEVRON CORP                    DEFINED               250
  CHEVRON CORP                    OTHER                 2816
  CISCO SYSTEMS                   SOLE                  253728
  CISCO SYSTEMS                   SOLE                                            800
  CISCO SYSTEMS                   DEFINED               300
  CISCO SYSTEMS                   OTHER                 48876
  CISCO SYSTEMS                   OTHER                                           200
  CISCO SYSTEMS                   DEF/OTH               2996
  CITIGROUP INC                   SOLE                  39943
  CITIGROUP INC                   SOLE                                            299
  CITIGROUP INC                   DEFINED               433
  CITIGROUP INC                   OTHER                 35163
  CLAYTON HOMES INC               SOLE                  27927
  CLEAR CHANNEL COMMUNICATIONS    SOLE                  6280
  CLEAR CHANNEL COMMUNICATIONS    OTHER                 2100
  COCA COLA CO                    SOLE                  67977
  COCA COLA CO                    OTHER                 4900
  COCA COLA CO                    OTHER                                           200
  COLGATE PALMOLIVE CO            SOLE                  21478
  COLGATE PALMOLIVE CO            OTHER                 3200
  COMMSCOPE INC                   SOLE                  129760
  COMMSCOPE INC                   SOLE                                            200
  COMMSCOPE INC                   OTHER                 6950
  COMPAQ COMPUTER CORP            SOLE                  70779
  COMPAQ COMPUTER CORP            SOLE                                            300
  COMPAQ COMPUTER CORP            OTHER                 8018
  COMPAQ COMPUTER CORP            DEF/OTH               500
  COMPUTER SCIENCES CORP          SOLE                  4020
  COMPUTER SCIENCES CORP          OTHER                 5950
  CONE MILLS CORP                 SOLE                  9500
  CONE MILLS CORP                 OTHER                 54942
  CORNING INC                     SOLE                  2303
  DALLAS SEMICONDUCTOR CORP       SOLE                  3400
  DALLAS SEMICONDUCTOR CORP       OTHER                 8400
  DANAHER CORP                    SOLE                  1447
  DANAHER CORP                    OTHER                 9041
  DELHAIZE AMERICA                SOLE                  6333
  DELHAIZE AMERICA                OTHER                                           9000
  DELPHI AUTOMOTIVE SYSTEMS       SOLE                  8212
  DELPHI AUTOMOTIVE SYSTEMS       DEFINED               1391
  DELPHI AUTOMOTIVE SYSTEMS       OTHER                 558
  DENTSPLY INTERNATIONAL INC      SOLE                  48475
  DIEBOLD INC                     SOLE                  62862
  DIEBOLD INC                     OTHER                 2500
  DISNEY WALT CO                  SOLE                  37907
  DISNEY WALT CO                  OTHER                 4800
  DOMINION RESOURCES              SOLE                  3844
  DOMINION RESOURCES              OTHER                 723
  DOVER CORP                      SOLE                  16144
  DOVER CORP                      SOLE                                            285
  DOW CHEM CO                     SOLE                  11508
  DOW CHEM CO                     OTHER                 405
  DREYFUS FD                      OTHER                 12123
  DU PONT E I DE NEMOURS & CO     SOLE                  13118
  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                  66665
  DUKE ENERGY CORP                OTHER                 10434
  DUKE ENERGY CORP                DEF/OTH               906
  EMC CORP                        SOLE                  268218
  EMC CORP                        SOLE                               200
  EMC CORP                        SOLE                                            400
  EMC CORP                        OTHER                 82800
  EASTMAN KODAK CO                SOLE                  5434
  EASTMAN KODAK CO                OTHER                 4850
  EATON CORP                      SOLE                  17900
  EATON CORP                      OTHER                 12200
  ELECTRONICS FOR IMAGING         SOLE                  61475
  ELECTRONICS FOR IMAGING         OTHER                 1000
  GENERAL ELECTRIC ELFUN          SOLE                  2731
  EMERSON ELECTRIC CO             SOLE                  5840
  EMERSON ELECTRIC CO             OTHER                 4376
  ENERGIZER HOLDINGS              SOLE                  41764
  ENERGIZER HOLDINGS              OTHER                 3000
  ENRON CORP                      SOLE                  5519
  ENRON CORP                      OTHER                 820
  ENTREMED INC                    SOLE                  10000
  ENTREMED INC                    SOLE                                            304
  EQUITABLE RES INC               OTHER                 6750
  EQUITY INCOME FD                SOLE                  30435
  EQUITY INCOME FD                OTHER                 3800
  EXODUS COMMUNICATIONS INC       SOLE                  26400
  EXODUS COMMUNICATIONS INC       OTHER                 400
  EXXON MOBIL CORP                SOLE                  208293
  EXXON MOBIL CORP                SOLE                                            750
  EXXON MOBIL CORP                DEFINED               250
  EXXON MOBIL CORP                OTHER                 53102
  EXXON MOBIL CORP                OTHER                                           1200
  FAMILY DLR STORES INC           SOLE                  28250
  FEDERAL HOME LOAN MORTGAGE CORP SOLE                  10622
  FEDERAL HOME LOAN MORTGAGE CORP OTHER                 2000
  FEDERAL HOME LOAN MORTGAGE CORP DEF/OTH               500
  FEDERAL NATIONAL MORTGAGE ASSN  SOLE                  93456
  FEDERAL NATIONAL MORTGAGE ASSN  SOLE                                            310
  FEDERAL NATIONAL MORTGAGE ASSN  OTHER                 4662
  FEDERAL NATIONAL MORTGAGE ASSN  DEF/OTH               500
  FEDERATED                       SOLE                  2817330
  FEDERATED                       SOLE                                            26317
  FEDERATED                       OTHER                 242055
  FEDERATED                       SOLE                  70210
  FEDERATED                       OTHER                 22744
  FEDERATED INCOME TRUST          SOLE                  21085
  FEDERATED                       SOLE                  10921
  FEDERATED                       SOLE                  6183022
  FEDERATED                       SOLE                               2081
  FEDERATED                       SOLE                                            16740
  FEDERATED                       DEFINED               18372
  FEDERATED                       OTHER                 343950
  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                  55906
  FEDEX CORP                      OTHER                 14000
  FIDELITY ADV INST EQUITY GROWTH SOLE                  22784
  FIDELITY ADV INST EQUITY GROWTH OTHER                 1930
  FIDELITY MID-CAP STOCK FD       OTHER                 9859
  FIDELITY NATIONAL FINL INC      OTHER                 10488
  FIRST CITIZENS BCSHS            SOLE                  3800
  FIRST UNION CORP                SOLE                  51823
  FIRST UNION CORP                SOLE                                            166
  FIRST UNION CORP                OTHER                 4571
  FIRST UNION CORP                DEF/OTH               400
  FLOWERS INDS INC                SOLE                  101675
  FLOWERS INDS INC                OTHER                 19000
  FORD MTR CO                     SOLE                  83631
  FORD MTR CO                     SOLE                                            654
  FORD MTR CO                     DEFINED               188
  FORD MTR CO                     OTHER                 11928
  FORTUNE BRANDS INC              SOLE                  28800
  FORTUNE BRANDS INC              SOLE                                            200
  FORTUNE BRANDS INC              OTHER                 12000
  FRANKLIN                        SOLE                  51396
  FRANKLIN                        SOLE                                            923
  FRANKLIN                        OTHER                 2278
  FRANKLIN                        SOLE                  18334
  FRANKLIN                        SOLE                  49649
  FRANKLIN                        SOLE                                            1033
  FRANKLIN                        OTHER                 4136
  FRANKLIN                        SOLE                  53204
  FRANKLIN                        OTHER                 7242
  GALLAHER GROUP PLC ADR          SOLE                  19572
  GAP INC                         SOLE                  16100
  GAP INC                         OTHER                 3374
  GATEWAY INC                     SOLE                  30800
  GATEWAY INC                     SOLE                                            260
  GATEWAY INC                     OTHER                 9900
  GENERAL ELEC CO                 SOLE                  559857
  GENERAL ELEC CO                 SOLE                                            4900
  GENERAL ELEC CO                 DEFINED               325
  GENERAL ELEC CO                 OTHER                 119695
  GENERAL ELEC CO                 OTHER                                           300
  GENERAL ELEC CO                 DEF/OTH               2400
  GENERAL MILLS INC               SOLE                  6334
  GENERAL MILLS INC               OTHER                 4800
  GENERAL MTRS CORP               SOLE                  11644
  GENERAL MTRS CORP               DEFINED               60
  GENERAL MTRS CORP               OTHER                 1068
  GENERAL MTRS CORP               SOLE                  10107
  GENERAL MTRS CORP               OTHER                 21714
  GENTEX CORP                     SOLE                  176445
  GENTEX CORP                     SOLE                                            275
  GENTEX CORP                     OTHER                 4950
  GENLYTE GROUP INC               SOLE                  69435
  GENLYTE GROUP INC               OTHER                 19000
  GERBER SCIENTIFIC INC           SOLE                  7775
  GERBER SCIENTIFIC INC           OTHER                 11350
  GILLETTE CO                     SOLE                  37871
  GILLETTE CO                     OTHER                 2800
  GLAXO PLC SPONSORED ADR         SOLE                  11303
  GLAXO PLC SPONSORED ADR         OTHER                 2000
  GLOBAL MARINE INC               SOLE                  11650
  GLOBAL MARINE INC               OTHER                 500
  GOLDMAN SACHS                   SOLE                  56700
  GOLDMAN SACHS                   OTHER                 6062
  GOLDMAN SACHS                   SOLE                  118371
  GOLDMAN SACHS                   OTHER                 17887
  GOLDMAN SACHS                   SOLE                  197535
  GOLDMAN SACHS                   SOLE                                            5621
  GOLDMAN SACHS                   OTHER                 2683
  GREY GLOBAL GROUP               SOLE                  1242
  GREY GLOBAL GROUP               OTHER                 610
  HALLIBURTON CO                  SOLE                  6300
  HALLIBURTON CO                  SOLE                                            100
  HALLIBURTON CO                  DEFINED               450
  HALLIBURTON CO                  OTHER                 700
  HALLIBURTON CO                  DEF/OTH               500
  HARBOR                          SOLE                  171798
  HARBOR                          SOLE                                            2834
  HARBOR                          OTHER                 6462
  HARRIS CORP                     SOLE                  92400
  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                  23389
  HEWLETT PACKARD CO              SOLE                                            105
  HEWLETT PACKARD CO              OTHER                 12250
  HEWLETT PACKARD CO              DEF/OTH               500
  HOME DEPOT INC                  SOLE                  44117
  HOME DEPOT INC                  OTHER                 7317
  HONEYWELL INTERNATIONAL (NEW)   SOLE                  67790
  HONEYWELL INTERNATIONAL (NEW)   SOLE                                            200
  HONEYWELL INTERNATIONAL (NEW)   DEFINED               900
  HONEYWELL INTERNATIONAL (NEW)   OTHER                 14939
  HOUSEHOLD INTL INC              SOLE                  87157
  HOUSEHOLD INTL INC              SOLE                                            650
  HOUSEHOLD INTL INC              OTHER                 800
  HUBBELL HARVEY INC              SOLE                  24687
  HUBBELL HARVEY INC              OTHER                 2552
  IDG BOOKS WORLDWIDE INC         SOLE                  221800
  IDG BOOKS WORLDWIDE INC         OTHER                 50500
  IHOP CORP                       SOLE                  110075
  IHOP CORP                       OTHER                 13750
  INGERSOLL RAND CO               SOLE                  17732
  INGERSOLL RAND CO               SOLE                                            495
  INGERSOLL RAND CO               OTHER                 11575
  INTEL CORP                      SOLE                  295976
  INTEL CORP                      DEFINED               400
  INTEL CORP                      OTHER                 186750
  INTEL CORP                      OTHER                                           200
  IBM CORP                        SOLE                  33037
  IBM CORP                        SOLE                                            400
  IBM CORP                        DEFINED               300
  IBM CORP                        OTHER                 18724
  IBM CORP                        OTHER                                           200
  INTERNATIONAL PAPER CO          SOLE                  27056
  INTERNATIONAL PAPER CO          SOLE                                            700
  INTERNATIONAL PAPER CO          OTHER                 12820
  FEDERATED                       SOLE                  89324
  FEDERATED                       SOLE                                            1935
  FEDERATED                       OTHER                 1957
  INTERPUBLIC GROUP               SOLE                  82902
  INTERPUBLIC GROUP               SOLE                                            250
  INTERPUBLIC GROUP               OTHER                 8000
  SCUDDER                         SOLE                  26890
  SCUDDER                         OTHER                 2423
  INTIMATE BRANDS                 SOLE                  27270
  INTIMATE BRANDS                 OTHER                 700
  INVESTORS TITLE INS CO          SOLE                  14000
  INVESTORS TITLE INS CO          OTHER                 7812
  JDS UNIPHASE CORP               SOLE                  22301
  JDS UNIPHASE CORP               SOLE                                            100
  JDS UNIPHASE CORP               OTHER                 31366
  JANUS                           SOLE                  7103
  JANUS                           OTHER                 11219
  JANUS                           SOLE                  8110
  JANUS                           OTHER                 6779
  JANUS                           OTHER                                           5247
  JEFFERSON PILOT CORP            SOLE                  76323
  JEFFERSON PILOT CORP            OTHER                 38269
  JOHNSON & JOHNSON               SOLE                  41053
  JOHNSON & JOHNSON               SOLE                                            100
  JOHNSON & JOHNSON               OTHER                 15800
  JOHNSON & JOHNSON               DEF/OTH               400
  JOHNSON CONTROLS                DEFINED               3840
  KLA TENCOR CORP                 SOLE                  10000
  KANSAS CITY SOUTHN INDS INC     SOLE                  1700
  KANSAS CITY SOUTHN INDS INC     OTHER                 9850
  KELLOGG CO                      SOLE                  9980
  KENAN TRANS CO                  SOLE                  9320
  KENAN TRANS CO                  SOLE                                            2200
  KEYCORP NEW                     SOLE                  20278
  KEYCORP NEW                     OTHER                 4700
  KIMBERLY CLARK CORP             SOLE                  8645
  KIMBERLY CLARK CORP             SOLE                                            730
  KIMBERLY CLARK CORP             OTHER                 1700
  KOHLS CORPORATION               SOLE                  8400
  KOHLS CORPORATION               OTHER                 2000
  LA-Z-BOY CHAIR CO               SOLE                  59925
  LANIER WORLDWIDE                SOLE                  94550
  LANIER WORLDWIDE                OTHER                 22175
  LEXMARK INTL GROUP INC CL A     SOLE                  106245
  LEXMARK INTL GROUP INC CL A     SOLE                                            50
  LEXMARK INTL GROUP INC CL A     OTHER                 6400
  ELI LILLY                       SOLE                  30738
  ELI LILLY                       SOLE                                            25
  ELI LILLY                       OTHER                 250
  LINCARE HLD INC                 SOLE                  17050
  LINCARE HLD INC                 OTHER                 900
  LINCOLN ELECTRIC HOLDINGS       SOLE                  38525
  LINCOLN ELECTRIC HOLDINGS       OTHER                 10325
  LOCKHEED MARTIN CORP            SOLE                  14500
  LOOMIS SAYLES                   SOLE                  539702
  LOOMIS SAYLES                   SOLE                                            6990
  LOOMIS SAYLES                   OTHER                 368
  LOWES COS INC                   SOLE                  147120
  LOWES COS INC                   SOLE                                            945
  LOWES COS INC                   DEFINED               600
  LOWES COS INC                   OTHER                 11150
  LOWES COS INC                   DEF/OTH               600
  LUCENT TECHNOLOGIES INC         SOLE                  97811
  LUCENT TECHNOLOGIES INC         DEFINED               116
  LUCENT TECHNOLOGIES INC         OTHER                 14376
  LUCENT TECHNOLOGIES INC         DEF/OTH               800
  MFS                             SOLE                  559183
  MGIC INVESTMENT                 SOLE                  11100
  MGIC INVESTMENT                 SOLE                                            265
  MAS                             SOLE                  65348
  MAS                             SOLE                                            1715
  MAS                             OTHER                 1180
  MFS                             SOLE                  1055354
  MFS                             OTHER                 146439
  MMC NETWORKS INC                OTHER                 6800
  MTS SYS CORP                    SOLE                  4500
  MTS SYS CORP                    OTHER                 9000
  MACROMEDIA INC                  SOLE                  200
  MACROMEDIA INC                  OTHER                 5326
  MANAGERS                        SOLE                  13473
  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                  102135
  MARTIN MARIETTA MATERIALS, INC. SOLE                                            110
  MARTIN MARIETTA MATERIALS, INC. OTHER                 10100
  MASCO CORP                      SOLE                  9980
  MASCO CORP                      OTHER                 5600
  MFS                             SOLE                  264069
  MFS                             SOLE                                            7055
  MFS                             OTHER                 493
  MAST OPTICAL SYSTEMS INC        SOLE                  10000
  MCDONALDS CORP                  SOLE                  34610
  MCDONALDS CORP                  OTHER                 4500
  MCGRAW HILL INC                 SOLE                  47710
  MCGRAW HILL INC                 SOLE                                            50
  MCGRAW HILL INC                 OTHER                 6100
  MEDTRONIC INC                   SOLE                  104681
  MEDTRONIC INC                   OTHER                 138794
  MERCK & CO INC                  SOLE                  147337
  MERCK & CO INC                  SOLE                                            600
  MERCK & CO INC                  OTHER                 41214
  MERCK & CO INC                  DEF/OTH               500
  MERRILL LYNCH & CO INC          SOLE                  5230
  MERRILL LYNCH & CO INC          OTHER                 280
  MICROSOFT CORP                  SOLE                  128665
  MICROSOFT CORP                  SOLE                                            50
  MICROSOFT CORP                  DEFINED               400
  MICROSOFT CORP                  OTHER                 19805
  MICROSOFT CORP                  OTHER                                           1800
  MINNESOTA MNG & MFG CO          SOLE                  5850
  MINNESOTA MNG & MFG CO          SOLE                                            155
  MINNESOTA MNG & MFG CO          OTHER                 1200
  MOLEX INC                       SOLE                  5468
  MORGAN J P & CO INC             SOLE                  5140
  MORGAN J P & CO INC             SOLE                                            105
  MORGAN J P & CO INC             DEF/OTH               200
  MORGAN ST DEAN WITTER           SOLE                  19449
  MORGAN ST DEAN WITTER           SOLE                                            975
  MORGAN ST DEAN WITTER           OTHER                 4050
  MORGAN STANLEY INSTITUTIONAL FD SOLE                  412217
  MORGAN STANLEY INSTITUTIONAL FD SOLE                               481
  MORGAN STANLEY INSTITUTIONAL FD SOLE                                            3777
  MORGAN STANLEY INSTITUTIONAL FD OTHER                 74108
  MORGAN STANLEY DEAN WITTER      SOLE                  25000
  MOTOROLA INC                    SOLE                  60350
  MOTOROLA INC                    SOLE                                            600
  MOTOROLA INC                    DEFINED               800
  MOTOROLA INC                    OTHER                 35225
  MOTOROLA INC                    OTHER                                           600
  MUTUAL RISK MANAGEMENT LTD      SOLE                  1934
  MUTUAL RISK MANAGEMENT LTD      OTHER                 10064
  FRANKLIN                        SOLE                  12812
  NACCO INDUSTRIES                SOLE                  37000
  NACCO INDUSTRIES                OTHER                 4500
  NATL COMMERCE BANCORPORATION    SOLE                  1189760
  NATL COMMERCE BANCORPORATION    SOLE                                            159639
  NATL COMMERCE BANCORPORATION    DEFINED               45080
  NATL COMMERCE BANCORPORATION    OTHER                 365989
  NATL COMMERCE BANCORPORATION    OTHER                                           84438
  NATIONAL-OILWELL INC            SOLE                  59500
  NATIONAL-OILWELL INC            SOLE                                            200
  NATIONAL-OILWELL INC            OTHER                 100
  NATIONS                         SOLE                  82985
  NEXTEL COMMUNICATIONS           SOLE                  22600
  NORFOLK SOUTHERN CORP           SOLE                  32625
  NORFOLK SOUTHERN CORP           SOLE                                            600
  NORFOLK SOUTHERN CORP           OTHER                 2912
  NORTEL NETWORKS CORP            SOLE                  68730
  NORTEL NETWORKS CORP            SOLE                                            200
  NORTEL NETWORKS CORP            OTHER                 1300
  NUVEEN                          SOLE                  49751
  NUVEEN                          SOLE                  26000
  OAKWOOD HOMES CORP              OTHER                 13200
  OLD REP INTL CORP               SOLE                  19348
  ORACLE SYSTEMS                  SOLE                  145753
  ORACLE SYSTEMS                  SOLE                                            850
  ORACLE SYSTEMS                  OTHER                 24950
  ORACLE SYSTEMS                  DEF/OTH               1500
  OUTBACK STEAKHOUSE INC          SOLE                  4981
  OUTBACK STEAKHOUSE INC          OTHER                 3300
  PECO ENERGY CO                  SOLE                  2900
  PECO ENERGY CO                  SOLE                                            315
  PECO ENERGY CO                  OTHER                 900
  PIMCO                           SOLE                  599594
  PIMCO                           SOLE                                            8128
  PIMCO                           OTHER                 27857
  PACIFIC CAPITAL                 SOLE                  44987
  PACIFIC CAPITAL                 SOLE                  70906
  PALM BEACH CNTY FLA HEALTH FACS SOLE                  300000
  PALM INC                        OTHER                 35591
  PENTON MEDIA INC                SOLE                  10000
  PEOPLES BANK                    SOLE                  33350
  PEOPLES BANK                    OTHER                 3975
  PEOPLES BANK                    DEF/OTH               500
  PEPSICO INC                     SOLE                  62000
  PEPSICO INC                     OTHER                 35700
  PEPSICO INC                     OTHER                                           260
  PERKINELMER INC                 SOLE                  12800
  PERKINELMER INC                 OTHER                 11000
  PETROLEUM & RES CORP            SOLE                  78326
  PETROLEUM & RES CORP            OTHER                 27599
  PFIZER INC                      SOLE                  430972
  PFIZER INC                      SOLE                                            475
  PFIZER INC                      OTHER                 91551
  PFIZER INC                      DEF/OTH               900
  PHARMACIA CORPORATION           SOLE                  59363
  PHARMACIA CORPORATION           SOLE                                            75
  PHARMACIA CORPORATION           OTHER                 1100
  PHILIP MORRIS COS INC           SOLE                  21752
  PHILIP MORRIS COS INC           OTHER                 18500
  PHILLIPS PETROLEUM CO           SOLE                  12575
  PHYAMERICA PHYSICIAN GROUP      SOLE                  10500
  PIEDMONT NAT GAS INC            SOLE                  7165
  PIEDMONT NAT GAS INC            OTHER                 700
  PITNEY-BOWES INC                SOLE                  18363
  PITNEY-BOWES INC                OTHER                 7200
  PLANTRONICS INC                 SOLE                  3000
  PLANTRONICS INC                 OTHER                 25200
  POST PROPERTIES INC             SOLE                  5000
  PRICE (T.ROWE) ASSOCIATES       SOLE                  600
  PRICE (T.ROWE) ASSOCIATES       OTHER                 11000
  PROCTER & GAMBLE CO             SOLE                  24334
  PROCTER & GAMBLE CO             OTHER                 1600
  PROVIDIAN FINANCIAL CORP        SOLE                  120330
  PROVIDIAN FINANCIAL CORP        SOLE                                            11722
  PROVIDIAN FINANCIAL CORP        OTHER                 26600
  PRUDENTIAL MUNICIPAL BOND FD    DEFINED               21674
  PUTNAM                          SOLE                  26930
  QWEST COMMUNICATIONS INTL       SOLE                  33509
  QWEST COMMUNICATIONS INTL       OTHER                 7933
  RF MICRO DEVICES                SOLE                  18362
  RF MICRO DEVICES                SOLE                                            200
  RF MICRO DEVICES                OTHER                 28400
  ROCKWELL INTL CORP NEW          SOLE                  2150
  ROCKWELL INTL CORP NEW          OTHER                 7232
  ROSS STORES INC                 SOLE                  107650
  ROSS STORES INC                 OTHER                 10000
  T ROWE PRICE                    SOLE                  20986
  T ROWE PRICE                    OTHER                 1285
  T ROWE PRICE                    SOLE                  10064
  T ROWE PRICE                    OTHER                 3683
  T ROWE PRICE                    SOLE                  72674
  T ROWE PRICE                    SOLE                                            1944
  T ROWE PRICE                    OTHER                 191
  T ROWE PRICE SMALL-CAP VALUE    SOLE                  40063
  T ROWE PRICE SMALL-CAP VALUE    OTHER                 1956
  ROYAL DUTCH PETE CO             SOLE                  35564
  ROYAL DUTCH PETE CO             SOLE                                            50
  ROYAL DUTCH PETE CO             DEFINED               350
  ROYAL DUTCH PETE CO             OTHER                 3900
  RUDDICK CORP                    SOLE                  32600
  RUDDICK CORP                    OTHER                 11650
  RYANS FAMILY STEAK HOUSES INC   SOLE                  184415
  RYANS FAMILY STEAK HOUSES INC   OTHER                 35750
  SBC COMMUNICATIONS INC          SOLE                  82390
  SBC COMMUNICATIONS INC          SOLE                                            800
  SBC COMMUNICATIONS INC          OTHER                 22267
  SBC COMMUNICATIONS INC          DEF/OTH               782
  S&P 500 DEPOSITORY RECEIPT      SOLE                  12645
  S&P 500 DEPOSITORY RECEIPT      DEFINED               500
  S&P 500 DEPOSITORY RECEIPT      OTHER                 3110
  SAFEGUARD SCIENTIFICS INC       SOLE                  16025
  ST PAUL COS INC                 SOLE                  6015
  ST PAUL COS INC                 OTHER                 1000
  SCANA CORP                      SOLE                  22852
  SCHERING PLOUGH CORP            SOLE                  15514
  SCHERING PLOUGH CORP            OTHER                 3352
  SCHLUMBERGER LTD                SOLE                  57188
  SCHLUMBERGER LTD                SOLE                                            125
  SCHLUMBERGER LTD                OTHER                 6650
  SCHWAB (CHARLES) CORP           SOLE                  11771
  SCHWAB (CHARLES) CORP           OTHER                 19340
  SEAGRAM CO LTD "ACES"           SOLE                  6250
  SELIGMAN                        SOLE                  352505
  SEQUOIA                         OTHER                 8253
  SEQUOIA                         OTHER                                           16339
  SONOCO PRODS CO                 SOLE                  22489
  SONOCO PRODS CO                 OTHER                 5411
  SOUTHERN CAPITAL TRUST I        OTHER                 10000
  SOUTHERN CO                     SOLE                  9382
  SOUTHERN CO                     OTHER                 920
  SOUTHERN CO                     DEF/OTH               832
  SPRINT CORP                     SOLE                  53363
  SPRINT CORP                     SOLE                                            1300
  SPRINT CORP                     OTHER                 12010
  SPRINT CORP                     SOLE                  11006
  SPRINT CORP                     SOLE                                            600
  SPRINT CORP                     OTHER                 5828
  STAPLES INC                     SOLE                  60647
  STAPLES INC                     SOLE                                            100
  STAPLES INC                     OTHER                 19475
  STATE STREET CORP               SOLE                  521
  STATE STREET CORP               OTHER                 6000
  STILWELL FINANCIAL              SOLE                  6800
  STILWELL FINANCIAL              OTHER                 39400
  STRONG                          SOLE                  24757
  STRONG                          SOLE                                            45
  STRYKER CORP                    SOLE                  17970
  STRYKER CORP                    OTHER                 88140
  SUN MICROSYSTEMS INC            SOLE                  33245
  SUN MICROSYSTEMS INC            OTHER                 1176
  SUNGARD DATA SYSTEMS INC        SOLE                  126821
  SUNGARD DATA SYSTEMS INC        SOLE                                            250
  SUNGARD DATA SYSTEMS INC        OTHER                 3500
  SUNTRUST BANKS INC              SOLE                  31804
  SUNTRUST BANKS INC              OTHER                 7847
  SYMANTEC CORP                   SOLE                  61750
  SYMANTEC CORP                   SOLE                                            280
  SYMANTEC CORP                   OTHER                 10825
  SYNOPSYS INC                    SOLE                  61935
  SYNOPSYS INC                    OTHER                 5425
  SYNOVUS FINL CORP               SOLE                  143379
  SYNOVUS FINL CORP               OTHER                 49177
  SYSTEMAX INC                    SOLE                  113225
  SYSTEMAX INC                    OTHER                 36675
  TECO ENERGY INC                 SOLE                  30140
  TECO ENERGY INC                 OTHER                 6835
  TELLABS, INC                    SOLE                  15139
  TELLABS, INC                    OTHER                 6750
  TENN VALLEY AUTHORITY           SOLE                  83750
  TENN VALLEY AUTHORITY           DEFINED               1000
  TERADYNE INC                    SOLE                  14737
  TERADYNE INC                    SOLE                                            100
  TERADYNE INC                    OTHER                 4000
  TEXACO INC                      SOLE                  10488
  TEXACO INC                      SOLE                                            200
  TEXACO INC                      OTHER                 5200
  TEXACO INC                      DEF/OTH               203
  TEXAS INSTRUMENT INC            SOLE                  1201
  TEXAS INSTRUMENT INC            DEFINED               300
  TEXAS INSTRUMENT INC            OTHER                 5320
  3COM CORP                       OTHER                 24000
  TOSCO CORP                      SOLE                  100535
  TOSCO CORP                      SOLE                                            200
  TOSCO CORP                      OTHER                 800
  TOWER AUTOMOTIVE INC            SOLE                  295615
  TOWER AUTOMOTIVE INC            SOLE                                            350
  TOWER AUTOMOTIVE INC            OTHER                 8600
  TRANSWITCH CORP                 OTHER                 11700
  TRI CONTL CORP                  SOLE                  282794
  TRI CONTL CORP                  OTHER                 27463
  TRICON GLOBAL RESTAURANTS       SOLE                  28570
  TRICON GLOBAL RESTAURANTS       OTHER                 2910
  TRICON GLOBAL RESTAURANTS       OTHER                                           26
  OAK VALUE FD                    OTHER                 1785
  OAK VALUE FD                    OTHER                                           17226
  TYCO INTERNATIONAL LTD          SOLE                  166086
  TYCO INTERNATIONAL LTD          SOLE                               100
  TYCO INTERNATIONAL LTD          SOLE                                            100
  TYCO INTERNATIONAL LTD          DEFINED               250
  TYCO INTERNATIONAL LTD          OTHER                 15290
  UNILEVER N V NEW YORK SHS       SOLE                  160
  UNILEVER N V NEW YORK SHS       OTHER                 5000
  UNITED                          SOLE                  18330
  UNITED STATES TREASURY          SOLE                  750000
  UNITED TECHNOLOGIES CORP        SOLE                  55668
  UNITED TECHNOLOGIES CORP        SOLE                                            475
  UNITED TECHNOLOGIES CORP        DEFINED               475
  UNITED TECHNOLOGIES CORP        OTHER                 2500
  UNITEDHEALTH GROUP INC          SOLE                  9000
  UNITEDHEALTH GROUP INC          SOLE                                            275
  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                  41724
  VANGUARD                        OTHER                 3037
  VANGUARD                        OTHER                                           3262
  VANGUARD                        SOLE                  25497
  VANGUARD                        OTHER                 77810
  VANGUARD                        SOLE                  613772
  VANGUARD                        SOLE                                            8124
  VANGUARD                        OTHER                 425
  VANGUARD                        SOLE                  25934
  VANGUARD                        SOLE                  39214
  VANGUARD                        OTHER                 10014
  VANGUARD                        OTHER                                           9856
  VANGUARD                        SOLE                  6183
  VANGUARD                        OTHER                                           4643
  VERIZON COMMUNICATIONS          SOLE                  56064
  VERIZON COMMUNICATIONS          SOLE                               150
  VERIZON COMMUNICATIONS          SOLE                                            100
  VERIZON COMMUNICATIONS          OTHER                 18722
  VIACOM INC                      SOLE                  10399
  VIACOM INC                      OTHER                 108
  VODAFONE GROUP PLC              SOLE                  9049
  VODAFONE GROUP PLC              OTHER                 3670
  VODAFONE GROUP PLC              DEF/OTH               635
  WACHOVIA CORP                   SOLE                  16346
  WACHOVIA CORP                   OTHER                 16500
  WAL-MART STORES                 SOLE                  14914
  WAL-MART STORES                 DEFINED               400
  WAL-MART STORES                 OTHER                 5200
  WALGREEN CO                     SOLE                  34660
  WALGREEN CO                     SOLE                                            100
  WALGREEN CO                     OTHER                 6500
  WALLACE COMPUTER SERVICES INC   SOLE                  10925
  WASHINGTON MUTUAL INC           SOLE                  108158
  WASHINGTON MUTUAL INC           SOLE                                            100
  WASHINGTON MUTUAL INC           OTHER                 3560
  WASHINGTON POST CO              OTHER                                           1200
  WATSON PHARMACEUTICAL INC       SOLE                  97870
  WATSON PHARMACEUTICAL INC       SOLE                                            350
  WATSON PHARMACEUTICAL INC       OTHER                 3400
  WELLS FARGO COMPANY             SOLE                  1240
  WELLS FARGO COMPANY             DEFINED               21200
  WELLS FARGO COMPANY             OTHER                 5600
  WEST MARINE INC                 SOLE                  42675
  WEST MARINE INC                 OTHER                 10675
  WORLDCOM                        SOLE                  200888
  WORLDCOM                        SOLE                               150
  WORLDCOM                        SOLE                                            200
  WORLDCOM                        DEFINED               525
  WORLDCOM                        OTHER                 18522
  WORLDCOM                        DEF/OTH               600
  XILINX INC                      SOLE                  1256
  XILINX INC                      OTHER                 13200
  XEROX CORP                      SOLE                  13200
  XEROX CORP                      OTHER                 5700
  SAP AG PREF SHS VORZUG          SOLE                  600
  SAP AG PREF SHS VORZUG          OTHER                 6750
  ROCHE HOLDING                   SOLE                  280
  GILAT SATELLITE NETWORKS LTD    SOLE                  600
  GILAT SATELLITE NETWORKS LTD    OTHER                 4100
  SHADOWLINE INCORPORATED, COMMON SOLE                  3375
  MEDICAL PRODUCTS SEARCH, INC.   SOLE                  15000
  ELECTRIC SUPPLY CO. OF NC, INC. OTHER                                           37228
  ZLIN AEROSPACE INC.             DEFINED               450000
  DESCO, INC                      SOLE                                            8720
</TABLE>


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