CENTRAL CAROLINA BANK & TRUST CO N C
13F-HR, 2000-04-06
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[DESCRIPTION]           FORM 13F
                                                 UNITED STATES
                                       SECURITIES AND EXCHANGE COMMISSION
                                            Washington, D.C.  20549
                                                    FORM 13F
                                              FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: 03/31/2000

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 intergral 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.    04/06/2000

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:           635
Form 13F Information Table Value Total:           $ 1,047,590

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        1802        39546 SH
  AFLAC INC                        COMMON STOCKS   001055102         419         9200 SH
  AT&T CORP                        COMMON STOCKS   001957109        4101        72822 SH
  AT&T CORP                        COMMON STOCKS   001957109          24          435 SH
  AT&T CORP                        COMMON STOCKS   001957109         642        11392 SH
  AT&T CORP                        COMMON STOCKS   001957109          42          749 SH
  AXA FINANCIAL INC                COMMON STOCKS   002451102         456        12700 SH
  ABBOTT LABS                      COMMON STOCKS   002824100        3931       111716 SH
  ABBOTT LABS                      COMMON STOCKS   002824100        1041        29575 SH
  ABERCROMBIE & FITCH CO           COMMON STOCKS   002896207        1702       106400 SH
  ABERCROMBIE & FITCH CO           COMMON STOCKS   002896207         160        10000 SH
  ROWE CORP                        CLOSELY HELD CO 006997019         506        20000 SH
  AEGON N V                        COMMON STOCKS   007924103        8469       105205 SH
  AEGON N V                        COMMON STOCKS   007924103        1354        16822 SH
  ROSEMYR CORP                     CLOSELY HELD CO 009990011        1594         6898 SH
  ROSEMYR CORP                     CLOSELY HELD CO 009990011        1558         6745 SH
  ALBERTSONS INC                   COMMON STOCKS   013104104          59         1900 SH
  ALBERTSONS INC                   COMMON STOCKS   013104104         716        23184 SH
  ALLEGHANY CORP                   COMMON STOCKS   017175100         248         1317 SH
  ALLEGHENY ENERGY INC             COMMON STOCKS   017361106         191         6905 SH
  ALLEGHENY ENERGY INC             COMMON STOCKS   017361106          50         1800 SH
  ALLIANCE GROWTH                  MUTUAL FUNDS-EQ 01877F401         353         6031 PRN
  ALLSTATE CORPORATION             COMMON STOCKS   020002101          71         2996 SH
  ALLSTATE CORPORATION             COMMON STOCKS   020002101         142         5959 SH
  ALLTEL CORP                      COMMON STOCKS   020039103         177         2800 SH
  ALLTEL CORP                      COMMON STOCKS   020039103         171         2697 SH
  ALPHA INDS INC                   COMMON STOCKS   020753109         363         3825 SH
  ALTERA CORP                      COMMON STOCKS   021441100         321         3600 SH
  ALTERA CORP                      COMMON STOCKS   021441100         482         5400 SH
  AMERICAN CENTURY                 MUTUAL FUNDS-EQ 02507M600        4301       161522 PRN
  AMERICAN CENTURY                 MUTUAL FUNDS-EQ 02507M600           3          108 PRN
  AMERICAN ELEC PWR INC            COMMON STOCKS   025537101         159         5322 SH
  AMERICAN ELEC PWR INC            COMMON STOCKS   025537101          48         1618 SH
  AMERICAN GEN CORP                COMMON STOCKS   026351106         286         5091 SH
  AMERICAN GEN CORP                COMMON STOCKS   026351106         335         5970 SH
  AMERICAN HOME PRODS CORP         COMMON STOCKS   026609107        8281       154056 SH
  AMERICAN HOME PRODS CORP         COMMON STOCKS   026609107        2224        41375 SH
  AMERICAN INTL GROUP INC          COMMON STOCKS   026874107        2946        26900 SH
  AMERICAN INTL GROUP INC          COMMON STOCKS   026874107         276         2525 SH
  AMETEK INC                       COMMON STOCKS   031100100        1052        54650 SH
  AMETEK INC                       COMMON STOCKS   031100100         141         7325 SH
  AMGEN INC                        COMMON STOCKS   031162100        2755        44885 SH
  AMGEN INC                        COMMON STOCKS   031162100         313         5100 SH
  AMKOR TECHNOLOGY INC             COMMON STOCKS   031652100         212         4000 SH
  ANHEUSER BUSCH COMPANIES         COMMON STOCKS   035229103         454         7300 SH
  ANHEUSER BUSCH COMPANIES         COMMON STOCKS   035229103         647        10400 SH
  AON CORP                         COMMON STOCKS   037389103         217         6732 SH
  AON CORP                         COMMON STOCKS   037389103          55         1718 SH
  APPLIED MATERIALS INC            COMMON STOCKS   038222105       12903       136900 SH
  APPLIED MATERIALS INC            COMMON STOCKS   038222105          38          400 SH
  APPLIED MATERIALS INC            COMMON STOCKS   038222105        2479        26300 SH
  ARCADIA FINANCIAL CORP           COMMON STOCKS   039101100          77        15375 SH
  ATLANTIC RICHFIELD               COMMON STOCKS   048825103        1464        17224 SH
  ATLANTIC RICHFIELD               COMMON STOCKS   048825103         334         3930 SH
  AUTODESK INC.                    COMMON STOCKS   052769106        1898        41725 SH
  AUTODESK INC.                    COMMON STOCKS   052769106         193         4250 SH
  AUTOMATIC DATA PROCESSING INC    COMMON STOCKS   053015103        2464        51075 SH
  AUTOMATIC DATA PROCESSING INC    COMMON STOCKS   053015103         240         4980 SH
  AVERY DENNISON CORP              COMMON STOCKS   053611109         244         4000 SH
  AVNET INC                        COMMON STOCKS   053807103         693        11000 SH
  BB & T CORPORATION               COMMON STOCKS   054937107        1429        50927 SH
  BB & T CORPORATION               COMMON STOCKS   054937107          11          400 SH
  BP AMOCO PLC                     COMMON STOCKS   055622104        3316        62280 SH
  BP AMOCO PLC                     COMMON STOCKS   055622104         440         8256 SH
  BMC SOFTWARE INC                 COMMON STOCKS   055921100         652        13200 SH
  BANK OF AMERICA CORP             COMMON STOCKS   060505104        1777        33894 SH
  BANK OF AMERICA CORP             COMMON STOCKS   060505104          27          516 SH
  BANK OF AMERICA CORP             COMMON STOCKS   060505104        1475        28126 SH
  BANK OF NEW YORK INC             COMMON STOCKS   064057102         204         4900 SH
  BANK OF NEW YORK INC             COMMON STOCKS   064057102         931        22400 SH
  BANK ONE CORP                    COMMON STOCKS   06423A103         266         7712 SH
  BANK ONE CORP                    COMMON STOCKS   06423A103          34          983 SH
  BAXTER INTL INC                  COMMON STOCKS   071813109         242         3860 SH
  BAXTER INTL INC                  COMMON STOCKS   071813109           4           70 SH
  BECKMAN COULTER, INC.            COMMON STOCKS   075811109        2144        33399 SH
  BECKMAN COULTER, INC.            COMMON STOCKS   075811109         225         3500 SH
  BED BATH & BEYOND                COMMON STOCKS   075896100         593        15050 SH
  BED BATH & BEYOND                COMMON STOCKS   075896100          55         1400 SH
  BELL ATLANTIC CORP               COMMON STOCKS   077853109        1488        24344 SH
  BELL ATLANTIC CORP               COMMON STOCKS   077853109         789        12912 SH
  BELLSOUTH CORP                   COMMON STOCKS   079860102        1841        39266 SH
  BELLSOUTH CORP                   COMMON STOCKS   079860102          29          608 SH
  BELLSOUTH CORP                   COMMON STOCKS   079860102         689        14704 SH
  BERKSHIRE HATHAWAY INC           COMMON STOCKS   084670108         114            2 SH
  BERKSHIRE HATHAWAY INC           COMMON STOCKS   084670108       10296          180 SH
  BERKSHIRE HATHAWAY INC           COMMON STOCKS   084670207         479          263 SH
  BERKSHIRE HATHAWAY INC           COMMON STOCKS   084670207          40           22 SH
  BLOCK H & R INC                  COMMON STOCKS   093671105        1160        25925 SH
  BLOCK H & R INC                  COMMON STOCKS   093671105         130         2900 SH
  BOEING CO                        COMMON STOCKS   097023105         572        15120 SH
  BOEING CO                        COMMON STOCKS   097023105         512        13552 SH
  BRANDYWINE FD INC                MUTUAL FUNDS-EQ 10532D107         402         7928 PRN
  BRISTOL MYERS SQUIBB CO          COMMON STOCKS   110122108        2992        51591 SH
  BRISTOL MYERS SQUIBB CO          COMMON STOCKS   110122108         754        13000 SH
  CCB FINL CORP                    COMMON STOCKS   124875105       72338      1634768 SH
  CCB FINL CORP                    COMMON STOCKS   124875105         814        18400 SH
  CCB FINL CORP                    COMMON STOCKS   124875105        8259       186638 SH
  CBRL GROUP INC                   COMMON STOCKS   12489V106         421        42075 SH
  CBS CORP                         COMMON STOCKS   12490K107         300         5300 SH
  CBS CORP                         COMMON STOCKS   12490K107           6          100 SH
  CCB                              MUTUAL FUNDS-EQ 12500E307       70977      3252857 PRN
  CCB                              MUTUAL FUNDS-EQ 12500E307        6900       316246 PRN
  CMS ENERGY CORP                  COMMON STOCKS   125896100         125         6890 SH
  CMS ENERGY CORP                  COMMON STOCKS   125896100         112         6200 SH
  CSX CORP                         COMMON STOCKS   126408103         186         7903 SH
  CSX CORP                         COMMON STOCKS   126408103         119         5066 SH
  CVS CORPORATION                  COMMON STOCKS   126650100         372         9900 SH
  CVS CORPORATION                  COMMON STOCKS   126650100          34          900 SH
  CAP ONE FINANCIAL CORP           COMMON STOCKS   14040H105        7755       161783 SH
  CAP ONE FINANCIAL CORP           COMMON STOCKS   14040H105         192         4000 SH
  CARNIVAL CORP.                   COMMON STOCKS   143658102          50         2000 SH
  CARNIVAL CORP.                   COMMON STOCKS   143658102         223         9000 SH
  CAROLINA POWER & LIGHT CO        COMMON STOCKS   144141108        2299        70885 SH
  CAROLINA POWER & LIGHT CO        COMMON STOCKS   144141108         108         3335 SH
  CENTURA BKS INC                  COMMON STOCKS   15640T100        1193        26039 SH
  CENTURA BKS INC                  COMMON STOCKS   15640T100        1720        37550 SH
  CHASE MANHATTAN CORP             COMMON STOCKS   16161A108         280         3216 SH
  CHASE MANHATTAN CORP             COMMON STOCKS   16161A108         306         3508 SH
  CHEVRON CORP                     COMMON STOCKS   166751107        1092        11810 SH
  CHEVRON CORP                     COMMON STOCKS   166751107         260         2816 SH
  CIRCUIT CITY STORES INC          COMMON STOCKS   172737108         120         1965 SH
  CIRCUIT CITY STORES INC          COMMON STOCKS   172737108         128         2100 SH
  CISCO SYSTEMS                    COMMON STOCKS   17275R102       19483       252008 SH
  CISCO SYSTEMS                    COMMON STOCKS   17275R102        3740        48376 SH
  CISCO SYSTEMS                    COMMON STOCKS   17275R102         232         2996 SH
  CITIGROUP INC                    COMMON STOCKS   172967101        1597        26665 SH
  CITIGROUP INC                    COMMON STOCKS   172967101          24          400 SH
  CITIGROUP INC                    COMMON STOCKS   172967101        1573        26273 SH
  CLAYTON HOMES INC                COMMON STOCKS   184190106         283        27927 SH
  COCA COLA CO                     COMMON STOCKS   191216100        3736        79600 SH
  COCA COLA CO                     COMMON STOCKS   191216100         286         6100 SH
  COLGATE PALMOLIVE CO             COMMON STOCKS   194162103        1161        20595 SH
  COLGATE PALMOLIVE CO             COMMON STOCKS   194162103         248         4400 SH
  COMMSCOPE INC                    COMMON STOCKS   203372107        2016        44125 SH
  COMMSCOPE INC                    COMMON STOCKS   203372107         263         5750 SH
  COMPAQ COMPUTER CORP             COMMON STOCKS   204493100        2076        76890 SH
  COMPAQ COMPUTER CORP             COMMON STOCKS   204493100          11          400 SH
  COMPAQ COMPUTER CORP             COMMON STOCKS   204493100         324        12018 SH
  COMPAQ COMPUTER CORP             COMMON STOCKS   204493100          14          500 SH
  COMPUTER ASSOC INT'L INC         COMMON STOCKS   204912109         370         6255 SH
  COMPUTER ASSOC INT'L INC         COMMON STOCKS   204912109          30          500 SH
  COMPUTER SCIENCES CORP           COMMON STOCKS   205363104         381         4820 SH
  COMPUTER SCIENCES CORP           COMMON STOCKS   205363104         471         5950 SH
  CONE MILLS CORP                  COMMON STOCKS   206814105          41         9500 SH
  CONE MILLS CORP                  COMMON STOCKS   206814105         237        54942 SH
  CONEXANT SYSTEMS INC             COMMON STOCKS   207142100          85         1200 SH
  CONEXANT SYSTEMS INC             COMMON STOCKS   207142100         142         2000 SH
  CONSOLIDATED STORES              COMMON STOCKS   210149100          98         8575 SH
  CONSOLIDATED STORES              COMMON STOCKS   210149100          36         3200 SH
  CORNING INC                      COMMON STOCKS   219350105         698         3600 SH
  DALLAS SEMICONDUCTOR CORP        COMMON STOCKS   235204104         124         3400 SH
  DALLAS SEMICONDUCTOR CORP        COMMON STOCKS   235204104         307         8400 SH
  DANAHER CORP                     COMMON STOCKS   235851102          74         1447 SH
  DANAHER CORP                     COMMON STOCKS   235851102         461         9041 SH
  DELHAIZE AMERICA                 COMMON STOCKS   246688204         460        23132 SH
  DELHAIZE AMERICA                 COMMON STOCKS   246688204         179         9000 SH
  DELL COMPUTER CORP               COMMON STOCKS   247025109         203         3760 SH
  DELL COMPUTER CORP               COMMON STOCKS   247025109          57         1062 SH
  DENTSPLY INTERNATIONAL INC       COMMON STOCKS   249030107         921        32450 SH
  DIEBOLD INC                      COMMON STOCKS   253651103        1438        52276 SH
  DIEBOLD INC                      COMMON STOCKS   253651103         101         3678 SH
  DISNEY WALT CO                   COMMON STOCKS   254687106        1570        38067 SH
  DISNEY WALT CO                   COMMON STOCKS   254687106         297         7200 SH
  DIMENSIONAL HOLDINGS INC         COMMON STOCKS   254999R15           0        57579 SH
  DOMINION RESOURCES               COMMON STOCKS   25746U109         160         4159 SH
  DOMINION RESOURCES               COMMON STOCKS   25746U109          41         1062 SH
  DOVER CORP                       COMMON STOCKS   260003108         773        16144 SH
  DOW CHEM CO                      COMMON STOCKS   260543103        1195        10481 SH
  DOW CHEM CO                      COMMON STOCKS   260543103          11          100 SH
  DOW CHEM CO                      COMMON STOCKS   260543103         181         1585 SH
  DREYFUS FD                       MUTUAL FUNDS-EQ 262003106         164        12123 PRN
  DU PONT E I DE NEMOURS & CO      COMMON STOCKS   263534109         694        13118 SH
  DU PONT E I DE NEMOURS & CO      COMMON STOCKS   263534109           7          125 SH
  DU PONT E I DE NEMOURS & CO      COMMON STOCKS   263534109         927        17520 SH
  DU PONT E I DE NEMOURS & CO      COMMON STOCKS   263534109         159         3000 SH
  DUFF & PHELPS UTILS INCOME INC   CLOSED END FUND 264324104         161        18300 PRN
  DUKE ENERGY CORP                 COMMON STOCKS   264399106        3001        57167 SH
  DUKE ENERGY CORP                 COMMON STOCKS   264399106         610        11626 SH
  DUKE ENERGY CORP                 COMMON STOCKS   264399106          48          906 SH
  EMC CORP                         COMMON STOCKS   268648102       21325       169243 SH
  EMC CORP                         COMMON STOCKS   268648102          25          200 SH
  EMC CORP                         COMMON STOCKS   268648102        5695        45200 SH
  EASTMAN KODAK CO                 COMMON STOCKS   277461109         383         7059 SH
  EASTMAN KODAK CO                 COMMON STOCKS   277461109         269         4950 SH
  EATON CORP                       COMMON STOCKS   278058102        1162        14900 SH
  EATON CORP                       COMMON STOCKS   278058102         920        11800 SH
  EMERSON ELECTRIC CO              COMMON STOCKS   291011104         256         4820 SH
  EMERSON ELECTRIC CO              COMMON STOCKS   291011104         227         4276 SH
  ENRON CORP                       COMMON STOCKS   293561106        1496        19980 SH
  ENRON CORP                       COMMON STOCKS   293561106         451         6020 SH
  ENTREMED INC                     COMMON STOCKS   29382F103         581         9804 SH
  EQUITABLE RES INC                COMMON STOCKS   294549100         302         6750 SH
  EQUITY INCOME FD                 COMMON STOCKS   294700703        6180        31410 SH
  EQUITY INCOME FD                 COMMON STOCKS   294700703         748         3800 SH
  EXODUS COMMUNICATIONS INC        COMMON STOCKS   302088109         843         6000 SH
  EXODUS COMMUNICATIONS INC        COMMON STOCKS   302088109          28          200 SH
  EXXON MOBIL CORP                 COMMON STOCKS   30231G102       17047       218729 SH
  EXXON MOBIL CORP                 COMMON STOCKS   30231G102        4387        56283 SH
  FAMILY DLR STORES INC            COMMON STOCKS   307000109         588        28250 SH
  FEDERAL HOME LOAN MORTGAGE CORP  COMMON STOCKS   313400301         434         9822 SH
  FEDERAL HOME LOAN MORTGAGE CORP  COMMON STOCKS   313400301          88         2000 SH
  FEDERAL HOME LOAN MORTGAGE CORP  COMMON STOCKS   313400301          22          500 SH
  FEDERAL NATIONAL MORTGAGE ASSN   COMMON STOCKS   313586109        3994        70610 SH
  FEDERAL NATIONAL MORTGAGE ASSN   COMMON STOCKS   313586109         320         5662 SH
  FEDERAL NATIONAL MORTGAGE ASSN   COMMON STOCKS   313586109          28          500 SH
  FEDERATED                        MUTUAL FUNDS-FI 314184102        1213       112212 PRN
  FEDERATED                        MUTUAL FUNDS-FI 314184102         251        23195 PRN
  FEDERATED INCOME TRUST           MUTUAL FUNDS-FI 314199100         173        17600 PRN
  FEDERATED INCOME TRUST           MUTUAL FUNDS-FI 314199100          34         3485 PRN
  FEDERATED                        MUTUAL FUNDS-FI 31420C209          93        10921 PRN
  FEDERATED                        MUTUAL FUNDS-FI 31420C407       61212      6376203 PRN
  FEDERATED                        MUTUAL FUNDS-FI 31420C407         180        18793 PRN
  FEDERATED                        MUTUAL FUNDS-FI 31420C407        3773       392991 PRN
  FEDERATED SHORT INTER MUN TR SH  MUTUAL FUNDS-FI 314280108          28         2829 PRN
  FEDERATED SHORT INTER MUN TR SH  MUTUAL FUNDS-FI 314280108         160        15973 PRN
  FEDERATED US GOVT SEC            MUTUAL FUNDS-FI 31428P103         194        18729 PRN
  FEDEX CORP                       COMMON STOCKS   31428X106        1679        43266 SH
  FEDEX CORP                       COMMON STOCKS   31428X106         543        14000 SH
  FIDELITY ADV INST EQUITY GROWTH  MUTUAL FUNDS-EQ 315805101        2280        28924 PRN
  FIDELITY ADV INST EQUITY GROWTH  MUTUAL FUNDS-EQ 315805101          82         1044 PRN
  FIDELITY MID-CAP STOCK FD        MUTUAL FUNDS-EQ 316128404         266         9859 PRN
  FIDELITY NATIONAL FINL INC       COMMON STOCKS   316326107         145        10488 SH
  FIRST CITIZENS BCSHS             COMMON STOCKS   31946M103         271         4800 SH
  FIRST UNION CORP                 COMMON STOCKS   337358105        1921        51558 SH
  FIRST UNION CORP                 COMMON STOCKS   337358105         163         4373 SH
  FIRST UNION CORP                 COMMON STOCKS   337358105          15          400 SH
  FLOWERS INDS INC                 COMMON STOCKS   343496105        1404        92475 SH
  FLOWERS INDS INC                 COMMON STOCKS   343496105         289        19000 SH
  FORD MTR CO                      COMMON STOCKS   345370100        1609        35023 SH
  FORD MTR CO                      COMMON STOCKS   345370100           5          108 SH
  FORD MTR CO                      COMMON STOCKS   345370100         277         6026 SH
  FORTUNE BRANDS INC               COMMON STOCKS   349631101         558        22300 SH
  FORTUNE BRANDS INC               COMMON STOCKS   349631101         205         8200 SH
  THE FORTRESS CORPORATION         COMMON STOCKS   349999R12         212       211572 SH
  FRANKLIN                         MUTUAL FUNDS-EQ 35251D103        2199        39053 PRN
  FRANKLIN                         MUTUAL FUNDS-EQ 35251D103         123         2183 PRN
  FRANKLIN                         MUTUAL FUNDS-EQ 354713109        1957        38788 PRN
  FRANKLIN                         MUTUAL FUNDS-EQ 354713109         208         4123 PRN
  FRANKLIN                         MUTUAL FUNDS-FI 354723793         584        51867 PRN
  FRANKLIN                         MUTUAL FUNDS-FI 354723793          41         3647 PRN
  GTE CORP                         COMMON STOCKS   362320103        1452        20449 SH
  GTE CORP                         COMMON STOCKS   362320103         519         7316 SH
  GALLAHER GROUP PLC ADR           COMMON STOCKS   363595109         395        20072 SH
  GANNETT INC                      COMMON STOCKS   364730101         151         2150 SH
  GANNETT INC                      COMMON STOCKS   364730101          77         1100 SH
  GAP INC                          COMMON STOCKS   364760108          50         1000 SH
  GAP INC                          COMMON STOCKS   364760108         168         3374 SH
  GATEWAY INC                      COMMON STOCKS   367626108        1422        26800 SH
  GATEWAY INC                      COMMON STOCKS   367626108         446         8400 SH
  GENERAL ELEC CO                  COMMON STOCKS   369604103       27921       179415 SH
  GENERAL ELEC CO                  COMMON STOCKS   369604103        6780        43568 SH
  GENERAL ELEC CO                  COMMON STOCKS   369604103         125          800 SH
  GENERAL MILLS INC                COMMON STOCKS   370334104         294         8134 SH
  GENERAL MILLS INC                COMMON STOCKS   370334104         181         5000 SH
  GENERAL MTRS CORP                COMMON STOCKS   370442105         946        11420 SH
  GENERAL MTRS CORP                COMMON STOCKS   370442105           5           60 SH
  GENERAL MTRS CORP                COMMON STOCKS   370442105          99         1190 SH
  GENERAL MTRS CORP                COMMON STOCKS   370442832         150         1204 SH
  GENERAL MTRS CORP                COMMON STOCKS   370442832         865         6950 SH
  GENTEX CORP                      COMMON STOCKS   371901109        4391       118470 SH
  GENTEX CORP                      COMMON STOCKS   371901109         341         9200 SH
  GENLYTE GROUP INC                COMMON STOCKS   372302109         529        27135 SH
  GENLYTE GROUP INC                COMMON STOCKS   372302109         220        11300 SH
  GENUINE PARTS CO                 COMMON STOCKS   372460105         226         9474 SH
  GEORGIA PAC CORP                 COMMON STOCKS   373298108         157         3978 SH
  GEORGIA PAC CORP                 COMMON STOCKS   373298108         119         3000 SH
  GERBER SCIENTIFIC INC            COMMON STOCKS   373730100         150         7775 SH
  GERBER SCIENTIFIC INC            COMMON STOCKS   373730100         219        11350 SH
  GILLETTE CO                      COMMON STOCKS   375766102        1591        42215 SH
  GILLETTE CO                      COMMON STOCKS   375766102         117         3100 SH
  GLAXO PLC SPONSORED ADR          COMMON STOCKS   37733W105         572         9978 SH
  GLAXO PLC SPONSORED ADR          COMMON STOCKS   37733W105         217         3787 SH
  GLOBAL MARINE INC                COMMON STOCKS   379352404         431        16975 SH
  GLOBAL MARINE INC                COMMON STOCKS   379352404          13          500 SH
  GOLDMAN SACHS                    MUTUAL FUNDS-FI 38141W208         615        63716 PRN
  GOLDMAN SACHS                    MUTUAL FUNDS-FI 38141W208          58         6062 PRN
  GOLDMAN SACHS                    MUTUAL FUNDS-FI 38141W307        1248       132636 PRN
  GOLDMAN SACHS                    MUTUAL FUNDS-FI 38141W307         168        17887 PRN
  GREY ADVERTISING INC             COMMON STOCKS   397838103        1340         3277 SH
  GREY ADVERTISING INC             COMMON STOCKS   397838103         440         1075 SH
  HARBOR                           MUTUAL FUNDS-EQ 411511504        6997       122450 PRN
  HARBOR                           MUTUAL FUNDS-EQ 411511504         297         5199 PRN
  HARRIS CORP                      COMMON STOCKS   413875105        2836        82050 SH
  HARRIS CORP                      COMMON STOCKS   413875105         369        10675 SH
  HEINZ H J CO                     COMMON STOCKS   423074103        1582        45374 SH
  HEINZ H J CO                     COMMON STOCKS   423074103         241         6900 SH
  HEINZ H J CO                     COMMON STOCKS   423074103          16          450 SH
  HEWLETT PACKARD CO               COMMON STOCKS   428236103        3503        26365 SH
  HEWLETT PACKARD CO               COMMON STOCKS   428236103          20          150 SH
  HEWLETT PACKARD CO               COMMON STOCKS   428236103        1634        12300 SH
  HEWLETT PACKARD CO               COMMON STOCKS   428236103          66          500 SH
  HOME DEPOT INC                   COMMON STOCKS   437076102        1895        29384 SH
  HOME DEPOT INC                   COMMON STOCKS   437076102         320         4967 SH
  HONEYWELL INTERNATIONAL (NEW)    COMMON STOCKS   438516106        3334        63272 SH
  HONEYWELL INTERNATIONAL (NEW)    COMMON STOCKS   438516106         794        15069 SH
  HOUSEHOLD INTL INC               COMMON STOCKS   441815107        2622        70275 SH
  HOUSEHOLD INTL INC               COMMON STOCKS   441815107         134         3600 SH
  HUBBELL HARVEY INC               COMMON STOCKS   443510201         769        28087 SH
  HUBBELL HARVEY INC               COMMON STOCKS   443510201          70         2552 SH
  HUTTON TEL TR UNIT 1ST TAX FREE  MUTUAL FUNDS-FI 447900101         190        31855 PRN
  IDG BOOKS WORLDWIDE INC          COMMON STOCKS   449384106        1541       134000 SH
  IDG BOOKS WORLDWIDE INC          COMMON STOCKS   449384106         443        38500 SH
  IHOP CORP                        COMMON STOCKS   449623107        1357        96950 SH
  IHOP CORP                        COMMON STOCKS   449623107         193        13750 SH
  INGERSOLL RAND CO                COMMON STOCKS   456866102         690        15582 SH
  INGERSOLL RAND CO                COMMON STOCKS   456866102         486        10975 SH
  INTEL CORP                       COMMON STOCKS   458140100       20471       155157 SH
  INTEL CORP                       COMMON STOCKS   458140100       12478        94574 SH
  IBM CORP                         COMMON STOCKS   459200101        3729        31603 SH
  IBM CORP                         COMMON STOCKS   459200101        2166        18352 SH
  INTERNATIONAL PAPER CO           COMMON STOCKS   460146103         314         7356 SH
  INTERNATIONAL PAPER CO           COMMON STOCKS   460146103         180         4220 SH
  INTERPUBLIC GROUP                COMMON STOCKS   460690100        2560        54190 SH
  INTERPUBLIC GROUP                COMMON STOCKS   460690100         491        10400 SH
  SCUDDER                          MUTUAL FUNDS-EQ 460965882         986        36764 PRN
  SCUDDER                          MUTUAL FUNDS-EQ 460965882          65         2429 PRN
  INTIMATE BRANDS                  COMMON STOCKS   461156101        2010        48800 SH
  INTIMATE BRANDS                  COMMON STOCKS   461156101         148         3600 SH
  INVESTORS TITLE INS CO           COMMON STOCKS   461804106         186        14000 SH
  INVESTORS TITLE INS CO           COMMON STOCKS   461804106         104         7812 SH
  JDS UNIPHASE CORP                COMMON STOCKS   46612J101        3625        30066 SH
  JANUS                            MUTUAL FUNDS-EQ 471023101         346         7103 PRN
  JANUS                            MUTUAL FUNDS-EQ 471023101         546        11219 PRN
  JANUS                            MUTUAL FUNDS-IN 471023309         482         5642 PRN
  JANUS                            MUTUAL FUNDS-IN 471023309         692         8097 PRN
  JEFFERSON PILOT CORP             COMMON STOCKS   475070108        5129        77049 SH
  JEFFERSON PILOT CORP             COMMON STOCKS   475070108        2882        43302 SH
  JOHNSON & JOHNSON                COMMON STOCKS   478160104        3088        43959 SH
  JOHNSON & JOHNSON                COMMON STOCKS   478160104        1275        18150 SH
  JOHNSON & JOHNSON                COMMON STOCKS   478160104          28          400 SH
  JOHNSON CONTROLS                 COMMON STOCKS   478366107           6          115 SH
  JOHNSON CONTROLS                 COMMON STOCKS   478366107         208         3840 SH
  KANSAS CITY SOUTHN INDS INC      COMMON STOCKS   485170104         292         3400 SH
  KANSAS CITY SOUTHN INDS INC      COMMON STOCKS   485170104        1693        19700 SH
  KELLOGG CO                       COMMON STOCKS   487836108         257         9980 SH
  KENAN TRANS CO                   COMMON STOCKS   488539107         211        11520 SH
  KEYCORP NEW                      COMMON STOCKS   493267108         404        21246 SH
  KEYCORP NEW                      COMMON STOCKS   493267108         103         5424 SH
  KIMBERLY CLARK CORP              COMMON STOCKS   494368103         339         6045 SH
  KIMBERLY CLARK CORP              COMMON STOCKS   494368103          84         1500 SH
  KOHLS CORP                       COMMON STOCKS   500255104         390         3800 SH
  KOHLS CORP                       COMMON STOCKS   500255104          10          100 SH
  KOHLS CORP                       COMMON STOCKS   500255104          92          900 SH
  KROGER CO                        COMMON STOCKS   501044101         265        15100 SH
  LANIER WORLDWIDE                 COMMON STOCKS   51589L105         195        94550 SH
  LANIER WORLDWIDE                 COMMON STOCKS   51589L105          46        22175 SH
  LEXMARK INTL GROUP INC CL A      COMMON STOCKS   529771107        4199        39710 SH
  LEXMARK INTL GROUP INC CL A      COMMON STOCKS   529771107         381         3600 SH
  ELI LILLY                        COMMON STOCKS   532457108        1452        23181 SH
  ELI LILLY                        COMMON STOCKS   532457108          16          250 SH
  LINCARE HLD INC                  COMMON STOCKS   532791100         427        15050 SH
  LINCARE HLD INC                  COMMON STOCKS   532791100          26          900 SH
  LINCOLN ELECTRIC HOLDINGS        COMMON STOCKS   533900106         932        38525 SH
  LINCOLN ELECTRIC HOLDINGS        COMMON STOCKS   533900106         250        10325 SH
  LOCKHEED MARTIN CORP             COMMON STOCKS   539830109         289        14162 SH
  LOOMIS SAYLES                    MUTUAL FUNDS-FI 543487607        5487       456870 PRN
  LOOMIS SAYLES                    MUTUAL FUNDS-FI 543487607          35         2945 PRN
  LOWES COS INC                    COMMON STOCKS   548661107        5658        96922 SH
  LOWES COS INC                    COMMON STOCKS   548661107           6          100 SH
  LOWES COS INC                    COMMON STOCKS   548661107         438         7500 SH
  LUCENT TECHNOLOGIES INC          COMMON STOCKS   549463107        5084        83010 SH
  LUCENT TECHNOLOGIES INC          COMMON STOCKS   549463107          23          376 SH
  LUCENT TECHNOLOGIES INC          COMMON STOCKS   549463107        1127        18404 SH
  LUCENT TECHNOLOGIES INC          COMMON STOCKS   549463107          49          800 SH
  MCI WORLDCOM                     COMMON STOCKS   55268B106        7110       156902 SH
  MCI WORLDCOM                     COMMON STOCKS   55268B106          20          450 SH
  MCI WORLDCOM                     COMMON STOCKS   55268B106         951        20997 SH
  MFS                              CLOSED END FUND 55273C107        3461       565058 PRN
  MFS                              CLOSED END FUND 55273C107           3          500 PRN
  MFS HIGH INCOME FUND             MUTUAL FUNDS-FI 552984601        6003      1227589 PRN
  MFS HIGH INCOME FUND             MUTUAL FUNDS-FI 552984601         609       124638 PRN
  MMC NETWORKS INC                 COMMON STOCKS   55308N102         224         6800 SH
  MTS SYS CORP                     COMMON STOCKS   553777103          34         4500 SH
  MTS SYS CORP                     COMMON STOCKS   553777103          69         9000 SH
  MACROMEDIA INC                   COMMON STOCKS   556100105          18          200 SH
  MACROMEDIA INC                   COMMON STOCKS   556100105         481         5326 SH
  MANULIFE FINANCIAL CORP          COMMON STOCKS   56501R106         323        22001 SH
  MARSH & MCLENNAN COS INC         COMMON STOCKS   571748102        1341        12155 SH
  MARSH & MCLENNAN COS INC         COMMON STOCKS   571748102         320         2900 SH
  MARTIN MARIETTA MATERIALS, INC.  COMMON STOCKS   573284106        2256        47495 SH
  MARTIN MARIETTA MATERIALS, INC.  COMMON STOCKS   573284106         499        10500 SH
  MFS                              MUTUAL FUNDS-EQ 575719406        4576       205091 PRN
  MFS                              MUTUAL FUNDS-EQ 575719406           3          127 PRN
  MCDONALDS CORP                   COMMON STOCKS   580135101        1188        31775 SH
  MCDONALDS CORP                   COMMON STOCKS   580135101         168         4500 SH
  MCGRAW HILL INC                  COMMON STOCKS   580645109        1294        28435 SH
  MCGRAW HILL INC                  COMMON STOCKS   580645109           9          200 SH
  MCGRAW HILL INC                  COMMON STOCKS   580645109         173         3800 SH
  MEDIAONE GROUP INC               COMMON STOCKS   58440J104         381         4704 SH
  MEDIAONE GROUP INC               COMMON STOCKS   58440J104         125         1546 SH
  MEDTRONIC INC                    COMMON STOCKS   585055106        5487       106676 SH
  MEDTRONIC INC                    COMMON STOCKS   585055106          15          300 SH
  MEDTRONIC INC                    COMMON STOCKS   585055106        7085       137734 SH
  MERCK & CO INC                   COMMON STOCKS   589331107        9187       147882 SH
  MERCK & CO INC                   COMMON STOCKS   589331107        2579        41509 SH
  MERCK & CO INC                   COMMON STOCKS   589331107          31          500 SH
  MICROSOFT CORP                   COMMON STOCKS   594918104        7776        73187 SH
  MICROSOFT CORP                   COMMON STOCKS   594918104        2369        22300 SH
  MILACRON, INC.                   COMMON STOCKS   598709103         137         9500 SH
  MILACRON, INC.                   COMMON STOCKS   598709103          65         4500 SH
  MINNESOTA MNG & MFG CO           COMMON STOCKS   604059105         592         6680 SH
  MINNESOTA MNG & MFG CO           COMMON STOCKS   604059105         394         4450 SH
  MODINE MFG                       COMMON STOCKS   607828100         526        20950 SH
  MODINE MFG                       COMMON STOCKS   607828100         123         4900 SH
  MOLEX INC                        COMMON STOCKS   608554101         321         5468 SH
  MONSANTO CO                      COMMON STOCKS   611662107        2098        40740 SH
  MONSANTO CO                      COMMON STOCKS   611662107          46          900 SH
  MORGAN J P & CO INC              COMMON STOCKS   616880100         638         4840 SH
  MORGAN J P & CO INC              COMMON STOCKS   616880100          26          200 SH
  MORGAN J P & CO INC              COMMON STOCKS   616880100          26          200 SH
  MORGAN ST DEAN WITTER            COMMON STOCKS   617446448        1577        19028 SH
  MORGAN ST DEAN WITTER            COMMON STOCKS   617446448         336         4050 SH
  MORGAN STANLEY INSTITUTIONAL FD  MUTUAL FUNDS-IN 61744J408       10026       511520 PRN
  MORGAN STANLEY INSTITUTIONAL FD  MUTUAL FUNDS-IN 61744J408        1501        76604 PRN
  MORGAN STANLEY DEAN WITTER       CLOSED END FUND 61745P106         202        25000 PRN
  MOTOROLA INC                     COMMON STOCKS   620076109        2321        15900 SH
  MOTOROLA INC                     COMMON STOCKS   620076109        1521        10418 SH
  FEDERATED                        MUTUAL FUNDS-FI 625922810       30606      2968598 PRN
  FEDERATED                        MUTUAL FUNDS-FI 625922810        2393       232126 PRN
  MUTUAL RISK MANAGEMENT LTD       COMMON STOCKS   628351108          39         1934 SH
  MUTUAL RISK MANAGEMENT LTD       COMMON STOCKS   628351108         201        10064 SH
  FRANKLIN                         MUTUAL FUNDS-EQ 628380206         264        15168 PRN
  NACCO INDUSTRIES                 COMMON STOCKS   629579103        1267        26425 SH
  NACCO INDUSTRIES                 COMMON STOCKS   629579103         185         3850 SH
  NEXTEL COMMUNICATIONS            COMMON STOCKS   65332V103        1712        11550 SH
  NOETIX MEDICAL TECHNOLOGIES      COMMON STOCKS   655264109           4       200000 SH
  NORFOLK SOUTHERN CORP            COMMON STOCKS   655844108         831        58300 SH
  NORFOLK SOUTHERN CORP            COMMON STOCKS   655844108          45         3182 SH
  NORTEL NETWORKS CORP             COMMON STOCKS   656569100        3480        27595 SH
  NORTEL NETWORKS CORP             COMMON STOCKS   656569100         145         1150 SH
  OAKWOOD HOMES CORP               COMMON STOCKS   674098108          50        13200 SH
  OFFICE DEPOT INC                 COMMON STOCKS   676220106         140        12126 SH
  OLD REP INTL CORP                COMMON STOCKS   680223104         266        19348 SH
  OMNICOM GROUP INC COM            COMMON STOCKS   681919106         234         2500 SH
  ORACLE SYSTEMS                   COMMON STOCKS   68389X105       11028       141273 SH
  ORACLE SYSTEMS                   COMMON STOCKS   68389X105          31          400 SH
  ORACLE SYSTEMS                   COMMON STOCKS   68389X105        1969        25224 SH
  ORACLE SYSTEMS                   COMMON STOCKS   68389X105         117         1500 SH
  PIMCO                            MUTUAL FUNDS-FI 693390700        5214       523463 PRN
  PIMCO                            MUTUAL FUNDS-FI 693390700         184        18473 PRN
  PNC BANK CORP                    COMMON STOCKS   693475105         546        12111 SH
  PNC BANK CORP                    COMMON STOCKS   693475105         135         3000 SH
  PACIFIC CAPITAL                  MUTUAL FUNDS-FI 694048208         579        56751 PRN
  PACIFIC CAPITAL                  MUTUAL FUNDS-EQ 694048505        1544        75969 PRN
  PALM BEACH CNTY FLA HEALTH FACS  MUNICIPAL BONDS 696507MH2         315       300000 PRN
  PEOPLES BANK                     COMMON STOCKS   710198102        2460       117490 SH
  PEOPLES BANK                     COMMON STOCKS   710198102         123         5875 SH
  PEOPLES BANK                     COMMON STOCKS   710198102          10          500 SH
  PEPSICO INC                      COMMON STOCKS   713448108        2923        83819 SH
  PEPSICO INC                      COMMON STOCKS   713448108        1513        43370 SH
  PEREGRINE SYSTEMS INC            COMMON STOCKS   71366Q101         416         6200 SH
  PERKINELMER INC                  COMMON STOCKS   714046109         851        12800 SH
  PERKINELMER INC                  COMMON STOCKS   714046109         732        11000 SH
  PETROLEUM & RES CORP             COMMON STOCKS   716549100        2083        57865 SH
  PETROLEUM & RES CORP             COMMON STOCKS   716549100         994        27599 SH
  PFIZER INC                       COMMON STOCKS   717081103       10409       284678 SH
  PFIZER INC                       COMMON STOCKS   717081103        3659       100088 SH
  PFIZER INC                       COMMON STOCKS   717081103          33          900 SH
  PHILADELPHIA SUBN CORP           COMMON STOCKS   718009608         205        11300 SH
  PHILADELPHIA SUBN CORP           COMMON STOCKS   718009608          73         4000 SH
  PHILIP MORRIS COS INC            COMMON STOCKS   718154107         715        33850 SH
  PHILIP MORRIS COS INC            COMMON STOCKS   718154107         408        19300 SH
  PIEDMONT NAT GAS INC             COMMON STOCKS   720186105         317        12150 SH
  PIEDMONT NAT GAS INC             COMMON STOCKS   720186105          93         3554 SH
  PITNEY-BOWES INC                 COMMON STOCKS   724479100        2353        52663 SH
  PITNEY-BOWES INC                 COMMON STOCKS   724479100         418         9350 SH
  PLANTRONICS INC                  COMMON STOCKS   727493108          93         1000 SH
  PLANTRONICS INC                  COMMON STOCKS   727493108         783         8400 SH
  POST PROPERTIES INC              COMMON STOCKS   737464107         202         5000 SH
  PRECISION CASTPARTS CORP         COMMON STOCKS   740189105         370        10150 SH
  PRICE (T.ROWE) ASSOCIATES        COMMON STOCKS   741477103         822        20800 SH
  PRICE (T.ROWE) ASSOCIATES        COMMON STOCKS   741477103         514        13000 SH
  PROCTER & GAMBLE CO              COMMON STOCKS   742718109        1942        34378 SH
  PROCTER & GAMBLE CO              COMMON STOCKS   742718109         147         2600 SH
  PROVIDIAN FINANCIAL CORP         COMMON STOCKS   74406A102       13968       161248 SH
  PROVIDIAN FINANCIAL CORP         COMMON STOCKS   74406A102        2752        31773 SH
  PRUDENTIAL MUNICIPAL BOND FD     MUTUAL FUNDS-FI 74435L103         224        21674 PRN
  PUTNAM                           CLOSED END FUND 746909100         157        26930 PRN
  QWEST COMMUNICATIONS INTL        COMMON STOCKS   749121109         389         8100 SH
  QWEST COMMUNICATIONS INTL        COMMON STOCKS   749121109           5          100 SH
  RF MICRO DEVICES                 COMMON STOCKS   749941100        1680        12500 SH
  RELIASTAR FINL CORP              COMMON STOCKS   75952U103         660        19485 SH
  RELIASTAR FINL CORP              COMMON STOCKS   75952U103         156         4600 SH
  ROCKWELL INTL CORP NEW           COMMON STOCKS   773903109          90         2150 SH
  ROCKWELL INTL CORP NEW           COMMON STOCKS   773903109         302         7232 SH
  T ROWE PRICE                     MUTUAL FUNDS-EQ 779556109        2905        65822 PRN
  T ROWE PRICE                     MUTUAL FUNDS-EQ 779556109          90         2029 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        1488        59672 PRN
  T ROWE PRICE                     MUTUAL FUNDS-EQ 779572106           0           38 PRN
  T ROWE PRICE SMALL-CAP VALUE     MUTUAL FUNDS-EQ 77957Q103         895        49073 PRN
  T ROWE PRICE SMALL-CAP VALUE     MUTUAL FUNDS-EQ 77957Q103          36         1956 PRN
  ROYAL DUTCH PETE CO              COMMON STOCKS   780257804        1740        30091 SH
  ROYAL DUTCH PETE CO              COMMON STOCKS   780257804         283         4900 SH
  RUDDICK CORP                     COMMON STOCKS   781258108         551        50400 SH
  RUDDICK CORP                     COMMON STOCKS   781258108         149        13650 SH
  RYANS FAMILY STEAK HOUSES INC    COMMON STOCKS   783519101        1354       141600 SH
  RYANS FAMILY STEAK HOUSES INC    COMMON STOCKS   783519101         342        35750 SH
  SBC COMMUNICATIONS INC           COMMON STOCKS   78387G103        3079        73096 SH
  SBC COMMUNICATIONS INC           COMMON STOCKS   78387G103         951        22585 SH
  SBC COMMUNICATIONS INC           COMMON STOCKS   78387G103          33          782 SH
  S&P 500 DEPOSITORY RECEIPT       COMMON STOCKS   78462F103        4730        31456 SH
  S&P 500 DEPOSITORY RECEIPT       COMMON STOCKS   78462F103         468         3110 SH
  ST PAUL COS INC                  COMMON STOCKS   792860108         639        18715 SH
  ST PAUL COS INC                  COMMON STOCKS   792860108          34         1000 SH
  SCANA CORP                       COMMON STOCKS   80589M102         565        22989 SH
  SCHERING PLOUGH CORP             COMMON STOCKS   806605101         558        15024 SH
  SCHERING PLOUGH CORP             COMMON STOCKS   806605101         124         3352 SH
  SCHLUMBERGER LTD                 COMMON STOCKS   806857108        3944        51554 SH
  SCHLUMBERGER LTD                 COMMON STOCKS   806857108         623         8150 SH
  SEAGRAM CO LTD "ACES"            COMMON STOCKS   811850106         372         6250 SH
  SELIGMAN                         MUTUAL FUNDS-EQ 816332100         199        13402 PRN
  SEQUOIA                          MUTUAL FUNDS-EQ 817418106        3124        24527 PRN
  SMITHKLINE BEECHAM PLC ADR       COMMON STOCKS   832378301          26          400 SH
  SMITHKLINE BEECHAM PLC ADR       COMMON STOCKS   832378301         198         3000 SH
  SONOCO PRODS CO                  COMMON STOCKS   835495102         966        41989 SH
  SONOCO PRODS CO                  COMMON STOCKS   835495102         124         5411 SH
  SOUTHERN CAPITAL TRUST I         PREFERRED STOCK 842542201          79        10000 SH
  SOUTHERN CO                      COMMON STOCKS   842587107         211         9700 SH
  SOUTHERN CO                      COMMON STOCKS   842587107          20          920 SH
  SOUTHERN CO                      COMMON STOCKS   842587107          18          832 SH
  SPRINT CORP                      COMMON STOCKS   852061100        2747        43436 SH
  SPRINT CORP                      COMMON STOCKS   852061100        1161        18352 SH
  SPRINT CORP                      COMMON STOCKS   852061506         640         9766 SH
  SPRINT CORP                      COMMON STOCKS   852061506         562         8574 SH
  STAPLES INC                      COMMON STOCKS   855030102        1468        73397 SH
  STAPLES INC                      COMMON STOCKS   855030102           6          300 SH
  STAPLES INC                      COMMON STOCKS   855030102         362        18075 SH
  STATE STREET CORP                COMMON STOCKS   857477103           3           29 SH
  STATE STREET CORP                COMMON STOCKS   857477103         581         6000 SH
  STRONG                           MUTUAL FUNDS-FI 863344107         434        42728 PRN
  STRYKER CORP                     COMMON STOCKS   863667101         597         8560 SH
  STRYKER CORP                     COMMON STOCKS   863667101        3074        44070 SH
  SUN MICROSYSTEMS INC             COMMON STOCKS   866810104        4291        45790 SH
  SUN MICROSYSTEMS INC             COMMON STOCKS   866810104         101         1076 SH
  SUNGARD DATA SYSTEMS INC         COMMON STOCKS   867363103        2979        78921 SH
  SUNGARD DATA SYSTEMS INC         COMMON STOCKS   867363103         272         7200 SH
  SUNTRUST BANKS INC               COMMON STOCKS   867914103         849        14704 SH
  SUNTRUST BANKS INC               COMMON STOCKS   867914103         336         5822 SH
  SYMANTEC CORP                    COMMON STOCKS   871503108        3721        49525 SH
  SYMANTEC CORP                    COMMON STOCKS   871503108         813        10825 SH
  SYNOPSYS INC                     COMMON STOCKS   871607107        2603        53400 SH
  SYNOPSYS INC                     COMMON STOCKS   871607107         264         5425 SH
  SYNOVUS FINL CORP                COMMON STOCKS   87161C105        2705       143325 SH
  SYNOVUS FINL CORP                COMMON STOCKS   87161C105         928        49177 SH
  SYSTEMAX INC                     COMMON STOCKS   871851101        1033       113225 SH
  SYSTEMAX INC                     COMMON STOCKS   871851101         335        36675 SH
  TECO ENERGY INC                  COMMON STOCKS   872375100         576        29640 SH
  TECO ENERGY INC                  COMMON STOCKS   872375100         133         6835 SH
  TELLABS, INC                     COMMON STOCKS   879664100        1143        18150 SH
  TELLABS, INC                     COMMON STOCKS   879664100         403         6400 SH
  TENN VALLEY AUTHORITY            PREFERRED STOCK 880591300        1811        83750 SH
  TEXACO INC                       COMMON STOCKS   881694103         317         5903 SH
  TEXACO INC                       COMMON STOCKS   881694103         242         4500 SH
  TEXACO INC                       COMMON STOCKS   881694103          11          203 SH
  TEXAS INSTRUMENT INC             COMMON STOCKS   882508104         384         2400 SH
  THOMAS & BETTS CORP              COMMON STOCKS   884315102          11          400 SH
  THOMAS & BETTS CORP              COMMON STOCKS   884315102         203         7200 SH
  3COM CORP                        COMMON STOCKS   885535104        1335        24000 SH
  TOSCO CORP                       COMMON STOCKS   891490302        2259        73755 SH
  TOSCO CORP                       COMMON STOCKS   891490302         126         4100 SH
  TOWER AUTOMOTIVE INC             COMMON STOCKS   891707101        2238       136659 SH
  TOWER AUTOMOTIVE INC             COMMON STOCKS   891707101         219        13400 SH
  TRANSWITCH CORP                  COMMON STOCKS   894065101         562         5850 SH
  TRI CONTL CORP                   CLOSED END FUND 895436103       10430       409011 PRN
  TRI CONTL CORP                   CLOSED END FUND 895436103         685        26867 PRN
  TRICON GLOBAL RESTAURANTS        COMMON STOCKS   895953107         149         4804 SH
  TRICON GLOBAL RESTAURANTS        COMMON STOCKS   895953107         117         3780 SH
  OAK VALUE FD                     MUTUAL FUNDS-EQ 900733106         460        18664 PRN
  TYCO INTERNATIONAL LTD           COMMON STOCKS   902124106        7620       152014 SH
  TYCO INTERNATIONAL LTD           COMMON STOCKS   902124106          15          300 SH
  TYCO INTERNATIONAL LTD           COMMON STOCKS   902124106         922        18390 SH
  UST INC                          COMMON STOCKS   902911106         347        22225 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         110        18330 PRN
  U S WEST INC                     COMMON STOCKS   91273H101        2087        28732 SH
  U S WEST INC                     COMMON STOCKS   91273H101         407         5601 SH
  UNITED STATES TREASURY           U.S. OBLIGATION 912827X23         531       535000 PRN
  U.S. TRUST CORP                  COMMON STOCKS   91288L105         356         1881 SH
  U.S. TRUST CORP                  COMMON STOCKS   91288L105         712         3763 SH
  UNITED TECHNOLOGIES CORP         COMMON STOCKS   913017109        2592        41024 SH
  UNITED TECHNOLOGIES CORP         COMMON STOCKS   913017109         291         4600 SH
  UNIVERSAL HEALTH SVCS INC        COMMON STOCKS   913903100          29          600 SH
  UNIVERSAL HEALTH SVCS INC        COMMON STOCKS   913903100         892        18200 SH
  UNUMPROVIDENT CORP               COMMON STOCKS   91529Y106         549        32410 SH
  VANGUARD                         MUTUAL FUNDS-EQ 921910105        6285       137278 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 921910105         147         3204 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031208         554        77810 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031307        5345       539886 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031307          10         1027 PRN
  VANGUARD                         MUTUAL FUNDS-FI 922031604         253        25548 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 922908108        4180        30269 PRN
  VANGUARD                         MUTUAL FUNDS-EQ 922908108        2740        19841 PRN
  VODAFONE GROUP PLC-SPONS ADR     COMMON STOCKS   92857T107         506         9115 SH
  VODAFONE GROUP PLC-SPONS ADR     COMMON STOCKS   92857T107         222         4000 SH
  VODAFONE GROUP PLC-SPONS ADR     COMMON STOCKS   92857T107          35          635 SH
  WACHOVIA CORP                    COMMON STOCKS   929771103         608         8995 SH
  WACHOVIA CORP                    COMMON STOCKS   929771103        1151        17036 SH
  WAL-MART STORES                  COMMON STOCKS   931142103         432         7640 SH
  WAL-MART STORES                  COMMON STOCKS   931142103         260         4600 SH
  WALGREEN CO                      COMMON STOCKS   931422109         887        34440 SH
  WALGREEN CO                      COMMON STOCKS   931422109         232         9000 SH
  WALLACE COMPUTER SERVICES INC    COMMON STOCKS   932270101         129        10925 SH
  WARNER LAMBERT CO                COMMON STOCKS   934488107        6220        63677 SH
  WARNER LAMBERT CO                COMMON STOCKS   934488107          81          825 SH
  WASHINGTON MUTUAL INC            COMMON STOCKS   939322103        2640        99633 SH
  WASHINGTON MUTUAL INC            COMMON STOCKS   939322103         200         7560 SH
  WASHINGTON POST CO               COMMON STOCKS   939640108         649         1200 SH
  WATSON PHARMACEUTICAL INC        COMMON STOCKS   942683103        2960        74590 SH
  WATSON PHARMACEUTICAL INC        COMMON STOCKS   942683103         250         6300 SH
  WELLS FARGO COMPANY              COMMON STOCKS   949746101           7          175 SH
  WELLS FARGO COMPANY              COMMON STOCKS   949746101         866        21250 SH
  WELLS FARGO COMPANY              COMMON STOCKS   949746101         228         5600 SH
  WEST MARINE INC                  COMMON STOCKS   954235107         511        51400 SH
  WEST MARINE INC                  COMMON STOCKS   954235107         106        10675 SH
  WHIRLPOOL CORP                   COMMON STOCKS   963320106         217         3700 SH
  WRIGLEY (WM) JR CO               COMMON STOCKS   982526105         326         4250 SH
  WRIGLEY (WM) JR CO               COMMON STOCKS   982526105         131         1700 SH
  XILINX INC                       COMMON STOCKS   983919101          99         1200 SH
  XILINX INC                       COMMON STOCKS   983919101        1093        13200 SH
  XEROX CORP                       COMMON STOCKS   984121103         425        16350 SH
  XEROX CORP                       COMMON STOCKS   984121103         148         5700 SH
  SAP AG PREF SHS VORZUG           PREFERRED STOCK D48468686         145          200 SH
  SAP AG PREF SHS VORZUG           PREFERRED STOCK D48468686        1631         2250 SH
  TRANSOCEAN SEDCO FOREX INC       COMMON STOCKS   G90078109         372         7257 SH
  TRANSOCEAN SEDCO FOREX INC       COMMON STOCKS   G90078109          71         1379 SH
  ROCHE HOLDING                    COMMON STOCKS   H47457728        3065          280 SH
  GILAT SATELLITE NETWORKS LTD     COMMON STOCKS   M51474100          70          600 SH
  GILAT SATELLITE NETWORKS LTD     COMMON STOCKS   M51474100         481         4100 SH
  MEDICAL PRODUCTS SEARCH, INC.    CLOSELY HELD CO SU0776009           0        15000 SH
  ELECTRIC SUPPLY CO. OF NC, INC.  CLOSELY HELD CO SU0789002        3136        37228 SH
  DESCO, INC                       CLOSELY HELD CO SU1023005        1814         8720 SH
  PETERSBURG MOTOR COMPANY, INC.   CLOSELY HELD CO SU1241003        2175         4590 SH

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

  AFLAC INC                       SOLE                  39546
  AFLAC INC                       OTHER                 9200
  AT&T CORP                       SOLE                  72822
  AT&T CORP                       DEFINED               435
  AT&T CORP                       OTHER                 11392
  AT&T CORP                       DEF/OTH               749
  AXA FINANCIAL INC               SOLE                  12700
  ABBOTT LABS                     SOLE                  111716
  ABBOTT LABS                     OTHER                 29575
  ABERCROMBIE & FITCH CO          SOLE                  106400
  ABERCROMBIE & FITCH CO          OTHER                 10000
  ROWE CORP                       SOLE                  20000
  AEGON N V                       SOLE                  97678
  AEGON N V                       SOLE                                            7527
  AEGON N V                       OTHER                 16822
  ROSEMYR CORP                    SOLE                  6898
  ROSEMYR CORP                    OTHER                 6745
  ALBERTSONS INC                  SOLE                  1900
  ALBERTSONS INC                  OTHER                 23184
  ALLEGHANY CORP                  OTHER                 1317
  ALLEGHENY ENERGY INC            SOLE                  6905
  ALLEGHENY ENERGY INC            OTHER                 1800
  ALLIANCE GROWTH                 SOLE                  6031
  ALLSTATE CORPORATION            SOLE                  2996
  ALLSTATE CORPORATION            OTHER                 5959
  ALLTEL CORP                     SOLE                  2800
  ALLTEL CORP                     OTHER                 2697
  ALPHA INDS INC                  OTHER                 3825
  ALTERA CORP                     SOLE                  3600
  ALTERA CORP                     OTHER                 5400
  AMERICAN CENTURY                SOLE                  161522
  AMERICAN CENTURY                OTHER                 108
  AMERICAN ELEC PWR INC           SOLE                  5222
  AMERICAN ELEC PWR INC           SOLE                                            100
  AMERICAN ELEC PWR INC           OTHER                 1618
  AMERICAN GEN CORP               SOLE                  4891
  AMERICAN GEN CORP               SOLE                                            200
  AMERICAN GEN CORP               OTHER                 5970
  AMERICAN HOME PRODS CORP        SOLE                  153105
  AMERICAN HOME PRODS CORP        SOLE                               175
  AMERICAN HOME PRODS CORP        SOLE                                            776
  AMERICAN HOME PRODS CORP        OTHER                 41375
  AMERICAN INTL GROUP INC         SOLE                  26869
  AMERICAN INTL GROUP INC         SOLE                                            31
  AMERICAN INTL GROUP INC         OTHER                 2525
  AMETEK INC                      SOLE                  54650
  AMETEK INC                      OTHER                 7325
  AMGEN INC                       SOLE                  44835
  AMGEN INC                       SOLE                                            50
  AMGEN INC                       OTHER                 5100
  AMKOR TECHNOLOGY INC            OTHER                 4000
  ANHEUSER BUSCH COMPANIES        SOLE                  6900
  ANHEUSER BUSCH COMPANIES        SOLE                                            400
  ANHEUSER BUSCH COMPANIES        OTHER                 10400
  AON CORP                        SOLE                  6732
  AON CORP                        OTHER                 1718
  APPLIED MATERIALS INC           SOLE                  136200
  APPLIED MATERIALS INC           SOLE                                            700
  APPLIED MATERIALS INC           DEFINED               400
  APPLIED MATERIALS INC           OTHER                 26300
  ARCADIA FINANCIAL CORP          SOLE                  15375
  ATLANTIC RICHFIELD              SOLE                  17200
  ATLANTIC RICHFIELD              SOLE                                            24
  ATLANTIC RICHFIELD              OTHER                 3930
  AUTODESK INC.                   SOLE                  41725
  AUTODESK INC.                   OTHER                 4250
  AUTOMATIC DATA PROCESSING INC   SOLE                  51025
  AUTOMATIC DATA PROCESSING INC   SOLE                                            50
  AUTOMATIC DATA PROCESSING INC   OTHER                 4980
  AVERY DENNISON CORP             OTHER                 4000
  AVNET INC                       SOLE                  11000
  BB & T CORPORATION              SOLE                  50927
  BB & T CORPORATION              OTHER                 400
  BP AMOCO PLC                    SOLE                  61752
  BP AMOCO PLC                    SOLE                                            528
  BP AMOCO PLC                    OTHER                 8256
  BMC SOFTWARE INC                SOLE                  13200
  BANK OF AMERICA CORP            SOLE                  33894
  BANK OF AMERICA CORP            DEFINED               516
  BANK OF AMERICA CORP            OTHER                 28126
  BANK OF NEW YORK INC            SOLE                  4900
  BANK OF NEW YORK INC            OTHER                 22400
  BANK ONE CORP                   SOLE                  7712
  BANK ONE CORP                   OTHER                 983
  BAXTER INTL INC                 SOLE                  3860
  BAXTER INTL INC                 OTHER                 70
  BECKMAN COULTER, INC.           SOLE                  33399
  BECKMAN COULTER, INC.           OTHER                 3500
  BED BATH & BEYOND               SOLE                  15050
  BED BATH & BEYOND               OTHER                 1400
  BELL ATLANTIC CORP              SOLE                  24194
  BELL ATLANTIC CORP              SOLE                               150
  BELL ATLANTIC CORP              OTHER                 12912
  BELLSOUTH CORP                  SOLE                  38466
  BELLSOUTH CORP                  SOLE                               800
  BELLSOUTH CORP                  DEFINED               608
  BELLSOUTH CORP                  OTHER                 14704
  BERKSHIRE HATHAWAY INC          SOLE                  2
  BERKSHIRE HATHAWAY INC          OTHER                                           180
  BERKSHIRE HATHAWAY INC          SOLE                  263
  BERKSHIRE HATHAWAY INC          OTHER                 22
  BLOCK H & R INC                 SOLE                  25925
  BLOCK H & R INC                 OTHER                 2900
  BOEING CO                       SOLE                  15120
  BOEING CO                       OTHER                 13552
  BRANDYWINE FD INC               OTHER                 7928
  BRISTOL MYERS SQUIBB CO         SOLE                  50191
  BRISTOL MYERS SQUIBB CO         SOLE                                            1400
  BRISTOL MYERS SQUIBB CO         OTHER                 13000
  CCB FINL CORP                   SOLE                  1569407
  CCB FINL CORP                   SOLE                                            65361
  CCB FINL CORP                   DEFINED               18400
  CCB FINL CORP                   OTHER                 152186
  CCB FINL CORP                   OTHER                                           34452
  CBRL GROUP INC                  SOLE                  42075
  CBS CORP                        SOLE                  5300
  CBS CORP                        OTHER                 100
  CCB                             SOLE                  3246337
  CCB                             SOLE                                            6520
  CCB                             OTHER                 308009
  CCB                             OTHER                              19
  CCB                             OTHER                                           8218
  CMS ENERGY CORP                 SOLE                  6890
  CMS ENERGY CORP                 OTHER                 6200
  CSX CORP                        SOLE                  7903
  CSX CORP                        OTHER                 5066
  CVS CORPORATION                 SOLE                  9900
  CVS CORPORATION                 OTHER                 900
  CAP ONE FINANCIAL CORP          SOLE                  161783
  CAP ONE FINANCIAL CORP          OTHER                 4000
  CARNIVAL CORP.                  SOLE                  2000
  CARNIVAL CORP.                  OTHER                 9000
  CAROLINA POWER & LIGHT CO       SOLE                  70885
  CAROLINA POWER & LIGHT CO       OTHER                 3335
  CENTURA BKS INC                 SOLE                  23484
  CENTURA BKS INC                 SOLE                                            2555
  CENTURA BKS INC                 OTHER                 37550
  CHASE MANHATTAN CORP            SOLE                  2816
  CHASE MANHATTAN CORP            SOLE                                            400
  CHASE MANHATTAN CORP            OTHER                 3508
  CHEVRON CORP                    SOLE                  11610
  CHEVRON CORP                    SOLE                                            200
  CHEVRON CORP                    OTHER                 2816
  CIRCUIT CITY STORES INC         SOLE                  1965
  CIRCUIT CITY STORES INC         OTHER                 2100
  CISCO SYSTEMS                   SOLE                  251208
  CISCO SYSTEMS                   SOLE                                            800
  CISCO SYSTEMS                   OTHER                 48176
  CISCO SYSTEMS                   OTHER                                           200
  CISCO SYSTEMS                   DEF/OTH               2996
  CITIGROUP INC                   SOLE                  26665
  CITIGROUP INC                   DEFINED               400
  CITIGROUP INC                   OTHER                 26123
  CITIGROUP INC                   OTHER                              150
  CLAYTON HOMES INC               SOLE                  27927
  COCA COLA CO                    SOLE                  79600
  COCA COLA CO                    OTHER                 6100
  COLGATE PALMOLIVE CO            SOLE                  20595
  COLGATE PALMOLIVE CO            OTHER                 4400
  COMMSCOPE INC                   SOLE                  44025
  COMMSCOPE INC                   SOLE                                            100
  COMMSCOPE INC                   OTHER                 5750
  COMPAQ COMPUTER CORP            SOLE                  76590
  COMPAQ COMPUTER CORP            SOLE                                            300
  COMPAQ COMPUTER CORP            DEFINED               400
  COMPAQ COMPUTER CORP            OTHER                 12018
  COMPAQ COMPUTER CORP            DEF/OTH               500
  COMPUTER ASSOC INT'L INC        SOLE                  6255
  COMPUTER ASSOC INT'L INC        OTHER                 500
  COMPUTER SCIENCES CORP          SOLE                  4820
  COMPUTER SCIENCES CORP          OTHER                 5950
  CONE MILLS CORP                 SOLE                  9500
  CONE MILLS CORP                 OTHER                 54942
  CONEXANT SYSTEMS INC            SOLE                  1200
  CONEXANT SYSTEMS INC            OTHER                 2000
  CONSOLIDATED STORES             SOLE                  8575
  CONSOLIDATED STORES             OTHER                 3200
  CORNING INC                     SOLE                  3600
  DALLAS SEMICONDUCTOR CORP       SOLE                  3400
  DALLAS SEMICONDUCTOR CORP       OTHER                 8400
  DANAHER CORP                    SOLE                  1447
  DANAHER CORP                    OTHER                 9041
  DELHAIZE AMERICA                SOLE                  6333
  DELHAIZE AMERICA                SOLE                                            16799
  DELHAIZE AMERICA                OTHER                                           9000
  DELL COMPUTER CORP              SOLE                  3760
  DELL COMPUTER CORP              OTHER                 1062
  DENTSPLY INTERNATIONAL INC      SOLE                  32450
  DIEBOLD INC                     SOLE                  52276
  DIEBOLD INC                     OTHER                 3678
  DISNEY WALT CO                  SOLE                  38067
  DISNEY WALT CO                  OTHER                 7200
  DIMENSIONAL HOLDINGS INC        OTHER                 57579
  DOMINION RESOURCES              SOLE                  4159
  DOMINION RESOURCES              OTHER                 1062
  DOVER CORP                      SOLE                  16144
  DOW CHEM CO                     SOLE                  10481
  DOW CHEM CO                     DEFINED               100
  DOW CHEM CO                     OTHER                 1585
  DREYFUS FD                      OTHER                 12123
  DU PONT E I DE NEMOURS & CO     SOLE                  13118
  DU PONT E I DE NEMOURS & CO     DEFINED               125
  DU PONT E I DE NEMOURS & CO     OTHER                 17520
  DU PONT E I DE NEMOURS & CO     DEF/OTH               3000
  DUFF & PHELPS UTILS INCOME INC  SOLE                  18300
  DUKE ENERGY CORP                SOLE                  56419
  DUKE ENERGY CORP                SOLE                                            748
  DUKE ENERGY CORP                OTHER                 11626
  DUKE ENERGY CORP                DEF/OTH               906
  EMC CORP                        SOLE                  168943
  EMC CORP                        SOLE                               100
  EMC CORP                        SOLE                                            200
  EMC CORP                        DEFINED               200
  EMC CORP                        OTHER                 45200
  EASTMAN KODAK CO                SOLE                  7059
  EASTMAN KODAK CO                OTHER                 4950
  EATON CORP                      SOLE                  14900
  EATON CORP                      OTHER                 11800
  EMERSON ELECTRIC CO             SOLE                  4820
  EMERSON ELECTRIC CO             OTHER                 4276
  ENRON CORP                      SOLE                  19980
  ENRON CORP                      OTHER                 6020
  ENTREMED INC                    SOLE                  9500
  ENTREMED INC                    SOLE                                            304
  EQUITABLE RES INC               OTHER                 6750
  EQUITY INCOME FD                SOLE                  31410
  EQUITY INCOME FD                OTHER                 3800
  EXODUS COMMUNICATIONS INC       SOLE                  6000
  EXODUS COMMUNICATIONS INC       OTHER                 200
  EXXON MOBIL CORP                SOLE                  217979
  EXXON MOBIL CORP                SOLE                                            750
  EXXON MOBIL CORP                OTHER                 56283
  FAMILY DLR STORES INC           SOLE                  20900
  FAMILY DLR STORES INC           SOLE                                            7350
  FEDERAL HOME LOAN MORTGAGE CORP SOLE                  9822
  FEDERAL HOME LOAN MORTGAGE CORP OTHER                 2000
  FEDERAL HOME LOAN MORTGAGE CORP DEF/OTH               500
  FEDERAL NATIONAL MORTGAGE ASSN  SOLE                  70585
  FEDERAL NATIONAL MORTGAGE ASSN  SOLE                                            25
  FEDERAL NATIONAL MORTGAGE ASSN  OTHER                 5662
  FEDERAL NATIONAL MORTGAGE ASSN  DEF/OTH               500
  FEDERATED                       SOLE                  112212
  FEDERATED                       OTHER                 23195
  FEDERATED INCOME TRUST          SOLE                  17600
  FEDERATED INCOME TRUST          OTHER                 3485
  FEDERATED                       SOLE                  10921
  FEDERATED                       SOLE                  6365976
  FEDERATED                       SOLE                               2081
  FEDERATED                       SOLE                                            8146
  FEDERATED                       DEFINED               18793
  FEDERATED                       OTHER                 383054
  FEDERATED                       OTHER                              5028
  FEDERATED                       OTHER                                           4909
  FEDERATED SHORT INTER MUN TR SH SOLE                  2829
  FEDERATED SHORT INTER MUN TR SH OTHER                 15973
  FEDERATED US GOVT SEC           SOLE                  18729
  FEDEX CORP                      SOLE                  43266
  FEDEX CORP                      OTHER                 14000
  FIDELITY ADV INST EQUITY GROWTH SOLE                  27558
  FIDELITY ADV INST EQUITY GROWTH SOLE                                            1366
  FIDELITY ADV INST EQUITY GROWTH OTHER                 1044
  FIDELITY MID-CAP STOCK FD       OTHER                 9859
  FIDELITY NATIONAL FINL INC      OTHER                 10488
  FIRST CITIZENS BCSHS            SOLE                  4800
  FIRST UNION CORP                SOLE                  51392
  FIRST UNION CORP                SOLE                                            166
  FIRST UNION CORP                OTHER                 4373
  FIRST UNION CORP                DEF/OTH               400
  FLOWERS INDS INC                SOLE                  92475
  FLOWERS INDS INC                OTHER                 19000
  FORD MTR CO                     SOLE                  34923
  FORD MTR CO                     SOLE                                            100
  FORD MTR CO                     DEFINED               108
  FORD MTR CO                     OTHER                 6026
  FORTUNE BRANDS INC              SOLE                  22300
  FORTUNE BRANDS INC              OTHER                 8200
  THE FORTRESS CORPORATION        OTHER                 211572
  FRANKLIN                        SOLE                  39053
  FRANKLIN                        OTHER                 2183
  FRANKLIN                        SOLE                  38788
  FRANKLIN                        OTHER                 4123
  FRANKLIN                        SOLE                  51867
  FRANKLIN                        OTHER                 3647
  GTE CORP                        SOLE                  20449
  GTE CORP                        OTHER                 7316
  GALLAHER GROUP PLC ADR          SOLE                  20072
  GANNETT INC                     SOLE                  2150
  GANNETT INC                     OTHER                 1100
  GAP INC                         SOLE                  1000
  GAP INC                         OTHER                 3374
  GATEWAY INC                     SOLE                  26800
  GATEWAY INC                     OTHER                 8400
  GENERAL ELEC CO                 SOLE                  177790
  GENERAL ELEC CO                 SOLE                                            1625
  GENERAL ELEC CO                 OTHER                 43468
  GENERAL ELEC CO                 OTHER                                           100
  GENERAL ELEC CO                 DEF/OTH               800
  GENERAL MILLS INC               SOLE                  8134
  GENERAL MILLS INC               OTHER                 5000
  GENERAL MTRS CORP               SOLE                  11420
  GENERAL MTRS CORP               DEFINED               60
  GENERAL MTRS CORP               OTHER                 1190
  GENERAL MTRS CORP               SOLE                  1204
  GENERAL MTRS CORP               OTHER                 6950
  GENTEX CORP                     SOLE                  118320
  GENTEX CORP                     SOLE                                            150
  GENTEX CORP                     OTHER                 9200
  GENLYTE GROUP INC               SOLE                  27135
  GENLYTE GROUP INC               OTHER                 11300
  GENUINE PARTS CO                SOLE                  9474
  GEORGIA PAC CORP                SOLE                  3978
  GEORGIA PAC CORP                OTHER                 3000
  GERBER SCIENTIFIC INC           SOLE                  7775
  GERBER SCIENTIFIC INC           OTHER                 11350
  GILLETTE CO                     SOLE                  42215
  GILLETTE CO                     OTHER                 3100
  GLAXO PLC SPONSORED ADR         SOLE                  9978
  GLAXO PLC SPONSORED ADR         OTHER                 3787
  GLOBAL MARINE INC               SOLE                  16975
  GLOBAL MARINE INC               OTHER                 500
  GOLDMAN SACHS                   SOLE                  63716
  GOLDMAN SACHS                   OTHER                 6062
  GOLDMAN SACHS                   SOLE                  132636
  GOLDMAN SACHS                   OTHER                 17887
  GREY ADVERTISING INC            SOLE                  3277
  GREY ADVERTISING INC            OTHER                 1075
  HARBOR                          SOLE                  122450
  HARBOR                          OTHER                 5199
  HARRIS CORP                     SOLE                  82050
  HARRIS CORP                     OTHER                 10675
  HEINZ H J CO                    SOLE                  45374
  HEINZ H J CO                    OTHER                 6900
  HEINZ H J CO                    DEF/OTH               450
  HEWLETT PACKARD CO              SOLE                  26365
  HEWLETT PACKARD CO              DEFINED               150
  HEWLETT PACKARD CO              OTHER                 12300
  HEWLETT PACKARD CO              DEF/OTH               500
  HOME DEPOT INC                  SOLE                  29384
  HOME DEPOT INC                  OTHER                 4967
  HONEYWELL INTERNATIONAL (NEW)   SOLE                  63272
  HONEYWELL INTERNATIONAL (NEW)   OTHER                 15069
  HOUSEHOLD INTL INC              SOLE                  69725
  HOUSEHOLD INTL INC              SOLE                                            550
  HOUSEHOLD INTL INC              OTHER                 3600
  HUBBELL HARVEY INC              SOLE                  28087
  HUBBELL HARVEY INC              OTHER                 2552
  HUTTON TEL TR UNIT 1ST TAX FREE SOLE                  31855
  IDG BOOKS WORLDWIDE INC         SOLE                  134000
  IDG BOOKS WORLDWIDE INC         OTHER                 38500
  IHOP CORP                       SOLE                  96950
  IHOP CORP                       OTHER                 13750
  INGERSOLL RAND CO               SOLE                  15482
  INGERSOLL RAND CO               SOLE                                            100
  INGERSOLL RAND CO               OTHER                 10975
  INTEL CORP                      SOLE                  155157
  INTEL CORP                      OTHER                 94474
  INTEL CORP                      OTHER                                           100
  IBM CORP                        SOLE                  31203
  IBM CORP                        SOLE                                            400
  IBM CORP                        OTHER                 18152
  IBM CORP                        OTHER                                           200
  INTERNATIONAL PAPER CO          SOLE                  7356
  INTERNATIONAL PAPER CO          OTHER                 4220
  INTERPUBLIC GROUP               SOLE                  53990
  INTERPUBLIC GROUP               SOLE                                            200
  INTERPUBLIC GROUP               OTHER                 10400
  SCUDDER                         SOLE                  36764
  SCUDDER                         OTHER                 2423
  SCUDDER                         OTHER                              6
  INTIMATE BRANDS                 SOLE                  48800
  INTIMATE BRANDS                 OTHER                 3600
  INVESTORS TITLE INS CO          SOLE                  14000
  INVESTORS TITLE INS CO          OTHER                 7812
  JDS UNIPHASE CORP               OTHER                 30066
  JANUS                           SOLE                  7103
  JANUS                           OTHER                 11219
  JANUS                           SOLE                  4218
  JANUS                           SOLE                                            1424
  JANUS                           OTHER                 8097
  JEFFERSON PILOT CORP            SOLE                  77049
  JEFFERSON PILOT CORP            OTHER                 43302
  JOHNSON & JOHNSON               SOLE                  43959
  JOHNSON & JOHNSON               OTHER                 18150
  JOHNSON & JOHNSON               DEF/OTH               400
  JOHNSON CONTROLS                SOLE                  115
  JOHNSON CONTROLS                DEFINED               3840
  KANSAS CITY SOUTHN INDS INC     SOLE                  3400
  KANSAS CITY SOUTHN INDS INC     OTHER                 19700
  KELLOGG CO                      SOLE                  9980
  KENAN TRANS CO                  SOLE                  9320
  KENAN TRANS CO                  SOLE                                            2200
  KEYCORP NEW                     SOLE                  21246
  KEYCORP NEW                     OTHER                 5424
  KIMBERLY CLARK CORP             SOLE                  5545
  KIMBERLY CLARK CORP             SOLE                                            500
  KIMBERLY CLARK CORP             OTHER                 1500
  KOHLS CORP                      SOLE                  3800
  KOHLS CORP                      DEFINED               100
  KOHLS CORP                      OTHER                 900
  KROGER CO                       SOLE                  15100
  LANIER WORLDWIDE                SOLE                  94550
  LANIER WORLDWIDE                OTHER                 22175
  LEXMARK INTL GROUP INC CL A     SOLE                  39660
  LEXMARK INTL GROUP INC CL A     SOLE                                            50
  LEXMARK INTL GROUP INC CL A     OTHER                 3600
  ELI LILLY                       SOLE                  23156
  ELI LILLY                       SOLE                                            25
  ELI LILLY                       OTHER                 250
  LINCARE HLD INC                 SOLE                  15050
  LINCARE HLD INC                 OTHER                 900
  LINCOLN ELECTRIC HOLDINGS       SOLE                  38525
  LINCOLN ELECTRIC HOLDINGS       OTHER                 10325
  LOCKHEED MARTIN CORP            SOLE                  14162
  LOOMIS SAYLES                   SOLE                  453143
  LOOMIS SAYLES                   SOLE                                            3727
  LOOMIS SAYLES                   OTHER                 2945
  LOWES COS INC                   SOLE                  96572
  LOWES COS INC                   SOLE                                            350
  LOWES COS INC                   DEFINED               100
  LOWES COS INC                   OTHER                 7500
  LUCENT TECHNOLOGIES INC         SOLE                  83010
  LUCENT TECHNOLOGIES INC         DEFINED               376
  LUCENT TECHNOLOGIES INC         OTHER                 18404
  LUCENT TECHNOLOGIES INC         DEF/OTH               800
  MCI WORLDCOM                    SOLE                  156677
  MCI WORLDCOM                    SOLE                               150
  MCI WORLDCOM                    SOLE                                            75
  MCI WORLDCOM                    DEFINED               450
  MCI WORLDCOM                    OTHER                 20997
  MFS                             SOLE                  565058
  MFS                             OTHER                 500
  MFS HIGH INCOME FUND            SOLE                  1227589
  MFS HIGH INCOME FUND            OTHER                 124638
  MMC NETWORKS INC                OTHER                 6800
  MTS SYS CORP                    SOLE                  4500
  MTS SYS CORP                    OTHER                 9000
  MACROMEDIA INC                  SOLE                  200
  MACROMEDIA INC                  OTHER                 5326
  MANULIFE FINANCIAL CORP         SOLE                  22001
  MARSH & MCLENNAN COS INC        SOLE                  12155
  MARSH & MCLENNAN COS INC        OTHER                 2900
  MARTIN MARIETTA MATERIALS, INC. SOLE                  47435
  MARTIN MARIETTA MATERIALS, INC. SOLE                                            60
  MARTIN MARIETTA MATERIALS, INC. OTHER                 10500
  MFS                             SOLE                  205091
  MFS                             OTHER                 127
  MCDONALDS CORP                  SOLE                  31775
  MCDONALDS CORP                  OTHER                 4500
  MCGRAW HILL INC                 SOLE                  28385
  MCGRAW HILL INC                 SOLE                                            50
  MCGRAW HILL INC                 DEFINED               200
  MCGRAW HILL INC                 OTHER                 3800
  MEDIAONE GROUP INC              SOLE                  4704
  MEDIAONE GROUP INC              OTHER                 1546
  MEDTRONIC INC                   SOLE                  106676
  MEDTRONIC INC                   DEFINED               300
  MEDTRONIC INC                   OTHER                 137734
  MERCK & CO INC                  SOLE                  147282
  MERCK & CO INC                  SOLE                                            600
  MERCK & CO INC                  OTHER                 41509
  MERCK & CO INC                  DEF/OTH               500
  MICROSOFT CORP                  SOLE                  73187
  MICROSOFT CORP                  OTHER                 22100
  MICROSOFT CORP                  OTHER                                           200
  MILACRON, INC.                  SOLE                  9300
  MILACRON, INC.                  SOLE                                            200
  MILACRON, INC.                  OTHER                 4500
  MINNESOTA MNG & MFG CO          SOLE                  6680
  MINNESOTA MNG & MFG CO          OTHER                 4450
  MODINE MFG                      SOLE                  20950
  MODINE MFG                      OTHER                 4900
  MOLEX INC                       SOLE                  5468
  MONSANTO CO                     SOLE                  40665
  MONSANTO CO                     SOLE                                            75
  MONSANTO CO                     OTHER                 900
  MORGAN J P & CO INC             SOLE                  4840
  MORGAN J P & CO INC             OTHER                 200
  MORGAN J P & CO INC             DEF/OTH               200
  MORGAN ST DEAN WITTER           SOLE                  18228
  MORGAN ST DEAN WITTER           SOLE                                            800
  MORGAN ST DEAN WITTER           OTHER                 4050
  MORGAN STANLEY INSTITUTIONAL FD SOLE                  510018
  MORGAN STANLEY INSTITUTIONAL FD SOLE                               481
  MORGAN STANLEY INSTITUTIONAL FD SOLE                                            1021
  MORGAN STANLEY INSTITUTIONAL FD OTHER                 76604
  MORGAN STANLEY DEAN WITTER      SOLE                  25000
  MOTOROLA INC                    SOLE                  15700
  MOTOROLA INC                    SOLE                                            200
  MOTOROLA INC                    OTHER                 10418
  FEDERATED                       SOLE                  2942281
  FEDERATED                       SOLE                                            26317
  FEDERATED                       OTHER                 232126
  MUTUAL RISK MANAGEMENT LTD      SOLE                  1934
  MUTUAL RISK MANAGEMENT LTD      OTHER                 10064
  FRANKLIN                        SOLE                  12408
  FRANKLIN                        SOLE                                            2760
  NACCO INDUSTRIES                SOLE                  26425
  NACCO INDUSTRIES                OTHER                 3850
  NEXTEL COMMUNICATIONS           SOLE                  11550
  NOETIX MEDICAL TECHNOLOGIES     OTHER                 200000
  NORFOLK SOUTHERN CORP           SOLE                  57700
  NORFOLK SOUTHERN CORP           SOLE                                            600
  NORFOLK SOUTHERN CORP           OTHER                 3182
  NORTEL NETWORKS CORP            SOLE                  27495
  NORTEL NETWORKS CORP            SOLE                                            100
  NORTEL NETWORKS CORP            OTHER                 1150
  OAKWOOD HOMES CORP              OTHER                 13200
  OFFICE DEPOT INC                SOLE                  12126
  OLD REP INTL CORP               SOLE                  19348
  OMNICOM GROUP INC COM           SOLE                  2500
  ORACLE SYSTEMS                  SOLE                  140373
  ORACLE SYSTEMS                  SOLE                                            900
  ORACLE SYSTEMS                  DEFINED               400
  ORACLE SYSTEMS                  OTHER                 25224
  ORACLE SYSTEMS                  DEF/OTH               1500
  PIMCO                           SOLE                  519161
  PIMCO                           SOLE                                            4302
  PIMCO                           OTHER                 18473
  PNC BANK CORP                   SOLE                  12111
  PNC BANK CORP                   OTHER                 3000
  PACIFIC CAPITAL                 SOLE                  56751
  PACIFIC CAPITAL                 SOLE                  75969
  PALM BEACH CNTY FLA HEALTH FACS SOLE                  300000
  PEOPLES BANK                    SOLE                  117490
  PEOPLES BANK                    OTHER                 5875
  PEOPLES BANK                    DEF/OTH               500
  PEPSICO INC                     SOLE                  83819
  PEPSICO INC                     OTHER                 43370
  PEREGRINE SYSTEMS INC           OTHER                 6200
  PERKINELMER INC                 SOLE                  12800
  PERKINELMER INC                 OTHER                 11000
  PETROLEUM & RES CORP            SOLE                  57865
  PETROLEUM & RES CORP            OTHER                 27599
  PFIZER INC                      SOLE                  284603
  PFIZER INC                      SOLE                                            75
  PFIZER INC                      OTHER                 100088
  PFIZER INC                      DEF/OTH               900
  PHILADELPHIA SUBN CORP          SOLE                  11300
  PHILADELPHIA SUBN CORP          OTHER                 4000
  PHILIP MORRIS COS INC           SOLE                  33850
  PHILIP MORRIS COS INC           OTHER                 19300
  PIEDMONT NAT GAS INC            SOLE                  12150
  PIEDMONT NAT GAS INC            OTHER                 3554
  PITNEY-BOWES INC                SOLE                  52563
  PITNEY-BOWES INC                SOLE                                            100
  PITNEY-BOWES INC                OTHER                 9350
  PLANTRONICS INC                 SOLE                  1000
  PLANTRONICS INC                 OTHER                 8400
  POST PROPERTIES INC             SOLE                  5000
  PRECISION CASTPARTS CORP        SOLE                  10150
  PRICE (T.ROWE) ASSOCIATES       SOLE                  20800
  PRICE (T.ROWE) ASSOCIATES       OTHER                 13000
  PROCTER & GAMBLE CO             SOLE                  34378
  PROCTER & GAMBLE CO             OTHER                 2600
  PROVIDIAN FINANCIAL CORP        SOLE                  149407
  PROVIDIAN FINANCIAL CORP        SOLE                                            11841
  PROVIDIAN FINANCIAL CORP        OTHER                 31773
  PRUDENTIAL MUNICIPAL BOND FD    DEFINED               21674
  PUTNAM                          SOLE                  26930
  QWEST COMMUNICATIONS INTL       SOLE                  8100
  QWEST COMMUNICATIONS INTL       OTHER                 100
  RF MICRO DEVICES                OTHER                 12500
  RELIASTAR FINL CORP             SOLE                  19485
  RELIASTAR FINL CORP             OTHER                 4600
  ROCKWELL INTL CORP NEW          SOLE                  2150
  ROCKWELL INTL CORP NEW          OTHER                 7232
  T ROWE PRICE                    SOLE                  63334
  T ROWE PRICE                    SOLE                                            2488
  T ROWE PRICE                    OTHER                 2029
  T ROWE PRICE                    SOLE                  10064
  T ROWE PRICE                    OTHER                 3683
  T ROWE PRICE                    SOLE                  59672
  T ROWE PRICE                    OTHER                 38
  T ROWE PRICE SMALL-CAP VALUE    SOLE                  46453
  T ROWE PRICE SMALL-CAP VALUE    SOLE                                            2620
  T ROWE PRICE SMALL-CAP VALUE    OTHER                 1956
  ROYAL DUTCH PETE CO             SOLE                  30041
  ROYAL DUTCH PETE CO             SOLE                                            50
  ROYAL DUTCH PETE CO             OTHER                 4900
  RUDDICK CORP                    SOLE                  50400
  RUDDICK CORP                    OTHER                 13650
  RYANS FAMILY STEAK HOUSES INC   SOLE                  141600
  RYANS FAMILY STEAK HOUSES INC   OTHER                 35750
  SBC COMMUNICATIONS INC          SOLE                  72296
  SBC COMMUNICATIONS INC          SOLE                                            800
  SBC COMMUNICATIONS INC          OTHER                 22585
  SBC COMMUNICATIONS INC          DEF/OTH               782
  S&P 500 DEPOSITORY RECEIPT      SOLE                  31456
  S&P 500 DEPOSITORY RECEIPT      OTHER                 3110
  ST PAUL COS INC                 SOLE                  18715
  ST PAUL COS INC                 OTHER                 1000
  SCANA CORP                      SOLE                  22989
  SCHERING PLOUGH CORP            SOLE                  15024
  SCHERING PLOUGH CORP            OTHER                 3352
  SCHLUMBERGER LTD                SOLE                  51429
  SCHLUMBERGER LTD                SOLE                                            125
  SCHLUMBERGER LTD                OTHER                 8150
  SEAGRAM CO LTD "ACES"           SOLE                  6250
  SELIGMAN                        SOLE                  13402
  SEQUOIA                         OTHER                                           24527
  SMITHKLINE BEECHAM PLC ADR      SOLE                  400
  SMITHKLINE BEECHAM PLC ADR      OTHER                 3000
  SONOCO PRODS CO                 SOLE                  41989
  SONOCO PRODS CO                 OTHER                 5411
  SOUTHERN CAPITAL TRUST I        OTHER                 10000
  SOUTHERN CO                     SOLE                  9700
  SOUTHERN CO                     OTHER                 920
  SOUTHERN CO                     DEF/OTH               832
  SPRINT CORP                     SOLE                  42136
  SPRINT CORP                     SOLE                                            1300
  SPRINT CORP                     OTHER                 18352
  SPRINT CORP                     SOLE                  9166
  SPRINT CORP                     SOLE                                            600
  SPRINT CORP                     OTHER                 8574
  STAPLES INC                     SOLE                  73297
  STAPLES INC                     SOLE                                            100
  STAPLES INC                     DEFINED               300
  STAPLES INC                     OTHER                 18075
  STATE STREET CORP               SOLE                  29
  STATE STREET CORP               OTHER                 6000
  STRONG                          SOLE                  34290
  STRONG                          SOLE                                            8438
  STRYKER CORP                    SOLE                  8560
  STRYKER CORP                    OTHER                 44070
  SUN MICROSYSTEMS INC            SOLE                  45790
  SUN MICROSYSTEMS INC            OTHER                 1076
  SUNGARD DATA SYSTEMS INC        SOLE                  78771
  SUNGARD DATA SYSTEMS INC        SOLE                                            150
  SUNGARD DATA SYSTEMS INC        OTHER                 7200
  SUNTRUST BANKS INC              SOLE                  14704
  SUNTRUST BANKS INC              OTHER                 5822
  SYMANTEC CORP                   SOLE                  49525
  SYMANTEC CORP                   OTHER                 10825
  SYNOPSYS INC                    SOLE                  53400
  SYNOPSYS INC                    OTHER                 5425
  SYNOVUS FINL CORP               SOLE                  143325
  SYNOVUS FINL CORP               OTHER                 49177
  SYSTEMAX INC                    SOLE                  113225
  SYSTEMAX INC                    OTHER                 36675
  TECO ENERGY INC                 SOLE                  29640
  TECO ENERGY INC                 OTHER                 6835
  TELLABS, INC                    SOLE                  18150
  TELLABS, INC                    OTHER                 6400
  TENN VALLEY AUTHORITY           SOLE                  83750
  TEXACO INC                      SOLE                  5903
  TEXACO INC                      OTHER                 4500
  TEXACO INC                      DEF/OTH               203
  TEXAS INSTRUMENT INC            OTHER                 2400
  THOMAS & BETTS CORP             SOLE                  400
  THOMAS & BETTS CORP             OTHER                 7200
  3COM CORP                       OTHER                 24000
  TOSCO CORP                      SOLE                  73555
  TOSCO CORP                      SOLE                                            200
  TOSCO CORP                      OTHER                 4100
  TOWER AUTOMOTIVE INC            SOLE                  136559
  TOWER AUTOMOTIVE INC            SOLE                                            100
  TOWER AUTOMOTIVE INC            OTHER                 13400
  TRANSWITCH CORP                 OTHER                 5850
  TRI CONTL CORP                  SOLE                  409011
  TRI CONTL CORP                  OTHER                 26867
  TRICON GLOBAL RESTAURANTS       SOLE                  4804
  TRICON GLOBAL RESTAURANTS       OTHER                 3780
  OAK VALUE FD                    OTHER                                           18664
  TYCO INTERNATIONAL LTD          SOLE                  151840
  TYCO INTERNATIONAL LTD          SOLE                               100
  TYCO INTERNATIONAL LTD          SOLE                                            74
  TYCO INTERNATIONAL LTD          DEFINED               300
  TYCO INTERNATIONAL LTD          OTHER                 18390
  UST INC                         SOLE                  22225
  UNILEVER N V NEW YORK SHS       SOLE                  160
  UNILEVER N V NEW YORK SHS       OTHER                 5000
  UNITED                          SOLE                  18330
  U S WEST INC                    SOLE                  28732
  U S WEST INC                    OTHER                 5601
  UNITED STATES TREASURY          SOLE                  535000
  U.S. TRUST CORP                 SOLE                  1881
  U.S. TRUST CORP                 OTHER                 3763
  UNITED TECHNOLOGIES CORP        SOLE                  40974
  UNITED TECHNOLOGIES CORP        SOLE                                            50
  UNITED TECHNOLOGIES CORP        OTHER                 4600
  UNIVERSAL HEALTH SVCS INC       SOLE                  600
  UNIVERSAL HEALTH SVCS INC       OTHER                 18200
  UNUMPROVIDENT CORP              SOLE                  32356
  UNUMPROVIDENT CORP              SOLE                                            54
  VANGUARD                        SOLE                  136186
  VANGUARD                        SOLE                                            1092
  VANGUARD                        OTHER                 3204
  VANGUARD                        OTHER                 77810
  VANGUARD                        SOLE                  535561
  VANGUARD                        SOLE                                            4325
  VANGUARD                        OTHER                 1027
  VANGUARD                        SOLE                  25548
  VANGUARD                        SOLE                  29926
  VANGUARD                        SOLE                                            343
  VANGUARD                        OTHER                 3454
  VANGUARD                        OTHER                                           16387
  VODAFONE GROUP PLC-SPONS ADR    SOLE                  9115
  VODAFONE GROUP PLC-SPONS ADR    OTHER                 4000
  VODAFONE GROUP PLC-SPONS ADR    DEF/OTH               635
  WACHOVIA CORP                   SOLE                  8995
  WACHOVIA CORP                   OTHER                 17036
  WAL-MART STORES                 SOLE                  7640
  WAL-MART STORES                 OTHER                 4600
  WALGREEN CO                     SOLE                  34340
  WALGREEN CO                     SOLE                                            100
  WALGREEN CO                     OTHER                 9000
  WALLACE COMPUTER SERVICES INC   SOLE                  10925
  WARNER LAMBERT CO               SOLE                  63652
  WARNER LAMBERT CO               SOLE                                            25
  WARNER LAMBERT CO               OTHER                 825
  WASHINGTON MUTUAL INC           SOLE                  99533
  WASHINGTON MUTUAL INC           SOLE                                            100
  WASHINGTON MUTUAL INC           OTHER                 7560
  WASHINGTON POST CO              OTHER                                           1200
  WATSON PHARMACEUTICAL INC       SOLE                  74540
  WATSON PHARMACEUTICAL INC       SOLE                                            50
  WATSON PHARMACEUTICAL INC       OTHER                 6300
  WELLS FARGO COMPANY             SOLE                  175
  WELLS FARGO COMPANY             DEFINED               21250
  WELLS FARGO COMPANY             OTHER                 5600
  WEST MARINE INC                 SOLE                  51400
  WEST MARINE INC                 OTHER                 10675
  WHIRLPOOL CORP                  SOLE                  3700
  WRIGLEY (WM) JR CO              SOLE                  4250
  WRIGLEY (WM) JR CO              OTHER                 1700
  XILINX INC                      SOLE                  1200
  XILINX INC                      OTHER                 13200
  XEROX CORP                      SOLE                  16350
  XEROX CORP                      OTHER                 5700
  SAP AG PREF SHS VORZUG          SOLE                  200
  SAP AG PREF SHS VORZUG          OTHER                 2250
  TRANSOCEAN SEDCO FOREX INC      SOLE                  7234
  TRANSOCEAN SEDCO FOREX INC      SOLE                                            23
  TRANSOCEAN SEDCO FOREX INC      OTHER                 1379
  ROCHE HOLDING                   SOLE                  280
  GILAT SATELLITE NETWORKS LTD    SOLE                  600
  GILAT SATELLITE NETWORKS LTD    OTHER                 4100
  MEDICAL PRODUCTS SEARCH, INC.   SOLE                  15000
  ELECTRIC SUPPLY CO. OF NC, INC. OTHER                                           37228
  DESCO, INC                      SOLE                                            8720
  PETERSBURG MOTOR COMPANY, INC.  SOLE                  4590
</TABLE>


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