BOONE COUNTY NATIONAL BANK
13F-HR, 2000-03-30
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                            UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C.  20549

                                    FORM 13F

                               FORM 13F COVER PAGE

REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 2/29/00

CHECK HERE IF AMENDMENT ( ); AMENDMENT NUMBER:
THIS AMENDMENT (CHECK ONLY ONE.):  ( ) IS A RESTATEMENT.
                                   ( ) ADDS NEW HOLDINGS ENTRIES

INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT:

NAME:    Doug Moore                         *ENTER INVESTMENT MANAGER
ADDRESS: Boone County National Bank         *ENTE
         720 East Broadway                  *ENTE
         Columbia *ENTE, MO 65201

THE INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT AND THE
PERSON BY WHOM IT IS SIGNED HEREBY REPRESENT THAT THE PERSON
SIGNING THE REPORT IS AUTHORIZED TO SUBMIT IT, THAT ALL
INFORMATION CONTAINED HEREIN IS TRUE, CORRECT AND COMPLETE, AND
THAT IT IS UNDERSTOOD THAT ALL REQUIRED ITEMS, STATEMENTS
SCHEDULES, LISTS, AND TABLES, ARE CONSIDERED INTEGRAL PARTS OF
THIS FORM.


PERSON SIGNING THIS REPORT ON BEHALF OF REPORTING MANAGER:

NAME:     Robert L. Roper, Jr.
TITLE:    Executive Vice President
PHONE:    (573)874-8488
SIGNATURE,PLACE,AND DATE OF SIGNING:

    Robert L. Roper, Jr.           Columbia, MO             3/15/00


REPORT TYPE (CHECK ONLY ONE.):

( X)        13F HOLDINGS REPORT

(  )        13F NOTICE

(  )        13F CO   12877        0        0

<TABLE>                        <C>                                                   <C>
ALLTEL CORP                    COMMON STOCK     020039103      121     2094 SH       OTHER                  2094        0        0
AMEREN CORPORATION             COMMON STOCK     023608102       83     2765 SH       DEFINED                2765        0        0
AMEREN CORPORATION             COMMON STOCK     023608102       33     1100 SH       OTHER                  1100        0        0
AMERICAN ELECTRIC POWER INC    COMMON STOCK     025537101       24      850 SH       DEFINED                 850        0        0
AMERICAN EXPRESS CO            COMMON STOCK     025816109      136     1010 SH       DEFINED                1010        0        0
AMERICAN GENERAL CORPORATION   COMMON STOCK     026351106        4       79 SH       DEFINED                  79        0        0
AMERICAN GREETINGS CORP CLASS  COMMON STOCK     026375105       10      600 SH       OTHER                   600        0        0
AMERICAN HOME PRODUCTS CORP    COMMON STOCK     026609107      828    19035 SH       DEFINED               19035        0        0
AMERICAN HOME PRODUCTS CORP    COMMON STOCK     026609107      173     3980 SH       OTHER                  3980        0        0
ANHEUSER BUSCH COS INC         COMMON STOCK     035229103      565     8825 SH       DEFINED                8825        0        0
ANHEUSER BUSCH COS INC         COMMON STOCK     035229103       44      685 SH       OTHER                   685        0        0
APPLIED MATERIALS INC          COMMON STOCK     038222105       91      495 SH       DEFINED                 495        0        0
ARCHER DANIELS MIDLAND CO      COMMON STOCK     039483102       11     1111 SH       DEFINED                1111        0        0
AT&T CORPORATION               COMMON STOCK     001957109     1190    24106 SH       DEFINED               24106        0        0
AT&T CORPORATION               COMMON STOCK     001957109      331     6705 SH       OTHER                  6555        0      150
ATLANTIC RICHFIELD CO          COMMON STOCK     048825103      152     2138 SH       DEFINED                2138        0        0
ATLANTIC RICHFIELD CO          COMMON STOCK     048825103       43      600 SH       OTHER                   600        0        0
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103       79     1808 SH       DEFINED                1808        0        0
AVNET INC                      COMMON STOCK     053807103      146     2179 SH       DEFINED                2179        0        0
BELL ATLANTIC CORP             COMMON STOCK     077853109      353     7209 SH       DEFINED                7209        0        0
BELL ATLANTIC CORP             COMMON STOCK     077853109      177     3622 SH       OTHER                  3482        0      140
BELLSOUTH CORP                 COMMON STOCK     079860102      516    12723 SH       DEFINED               12723        0        0
BELLSOUTH CORP                 COMMON STOCK     079860102      229     5656 SH       OTHER                  5656        0        0
BESTFOODS INC                  COMMON STOCK     08658U101      191     4565 SH       DEFINED                4565        0        0
BESTFOODS INC                  COMMON STOCK     08658U101       79     1890 SH       OTHER                  1890        0        0
BLACK HILLS CORP               COMMON STOCK     092113109       17      750 SH       OTHER                   750        0        0
BOEING CO                      COMMON STOCK     097023105       41     1109 SH       DEFINED                1109        0        0
BOEING CO                      COMMON STOCK     097023105       17      460 SH       OTHER                   260        0      200
BRISTOL MYERS SQUIBB CO        COMMON STOCK     110122108     1366    23854 SH       DEFINED               23854        0        0
BRISTOL MYERS SQUIBB CO        COMMON STOCK     110122108       91     1590 SH       OTHER                  1590        0        0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK     12189T104       70     3545 SH       DEFINED                3545        0        0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK     12189T104       38     1932 SH       OTHER                  1932        0        0
BURLINGTON RESOURCES INC       COMMON STOCK     122014103       17      600 SH       OTHER                   600        0        0
CATERPILLAR INC                COMMON STOCK     149123101      267     7627 SH       DEFINED                7627        0        0
CATERPILLAR INC                COMMON STOCK     149123101       27      780 SH       OTHER                   780        0        0
CBS CORPORATION                COMMON STOCK     12490K107      173     2897 SH       DEFINED                2897        0        0
CENTRAL & SOUTH WEST CORP      COMMON STOCK     152357109       24     1416 SH       DEFINED                1416        0        0
CHEVRON CORP                   COMMON STOCK     166751107      180     2410 SH       DEFINED                2410        0        0
CHEVRON CORP                   COMMON STOCK     166751107      144     1925 SH       OTHER                  1925        0        0
CIGNA CORP                     COMMON STOCK     125509109      606     8215 SH       DEFINED                8215        0        0
CIGNA CORP                     COMMON STOCK     125509109       47      635 SH       OTHER                   635        0        0
CITIGROUP INC                  COMMON STOCK     172967101     1939    37430 SH       DEFINED               37430        0        0
CITIGROUP INC                  COMMON STOCK     172967101      313     6037 SH       OTHER                  6037        0        0
CLOROX CO                      COMMON STOCK     189054109      169     4178 SH       DEFINED                4178        0        0
CNF TRANSPORTATION INC         COMMON STOCK     12612W104      144     4485 SH       DEFINED                4485        0        0
CNF TRANSPORTATION INC         COMMON STOCK     12612W104       16      510 SH       OTHER                   510        0        0
COCA COLA CO                   COMMON STOCK     191216100      923    18978 SH       DEFINED               18978        0        0
COCA COLA CO                   COMMON STOCK     191216100       62     1270 SH       OTHER                  1270        0        0
COLGATE PALMOLIVE CO           COMMON STOCK     194162103      503     9641 SH       DEFINED                9641        0        0
COLGATE PALMOLIVE CO           COMMON STOCK     194162103      209     4000 SH       OTHER                  4000        0        0
COMCAST CORP CL A SPL          COMMON STOCK     200300200       88     2068 SH       DEFINED                2068        0        0
COMCAST CORP CL A SPL          COMMON STOCK     200300200       22      510 SH       OTHER                   510        0        0
COMMERCE BANCSHARES INC        COMMON STOCK     200525103       59     2049 SH       OTHER                  2049        0        0
COMPUTER SCIENCES CORPORATION  COMMON STOCK     205363104      270     3430 SH       DEFINED                3430        0        0
CONAGRA INC                    COMMON STOCK     205887102      190    11595 SH       DEFINED               11595        0        0
CONAGRA INC                    COMMON STOCK     205887102       26     1610 SH       OTHER                  1610        0        0
CONSOLIDATED EDISON INC        COMMON STOCK     209115104       63     2280 SH       OTHER                  2280        0        0
DEERE & CO                     COMMON STOCK     244199105      138     3865 SH       DEFINED                3865        0        0
DEERE & CO                     COMMON STOCK     244199105       23      640 SH       OTHER                   640        0        0
DELTA AIR LINES INC DEL        COMMON STOCK     247361108       13      280 SH       DEFINED                 280        0        0
DELUXE CORP                    COMMON STOCK     248019101       17      745 SH       OTHER                   745        0        0
DILLARD'S INC CL A             COMMON STOCK     254067101        6      360 SH       OTHER                   360        0        0
DOW CHEMICAL CO                COMMON STOCK     260543103      263     2424 SH       DEFINED                2424        0        0
DU PONT E I DE NEMOURS & CO    COMMON STOCK     263534109      509    10073 SH       DEFINED               10073        0        0
DU PONT E I DE NEMOURS & CO    COMMON STOCK     263534109      189     3737 SH       OTHER                  3737        0        0
EASTMAN KODAK CO               COMMON STOCK     277461109       48      832 SH       DEFINED                 832        0        0
EASTMAN KODAK CO               COMMON STOCK     277461109       12      210 SH       OTHER                   210        0        0
EATON CORP                     COMMON STOCK     278058102      106     1419 SH       DEFINED                1419        0        0
EDISON INTERNATIONAL           COMMON STOCK     281020107       10      370 SH       DEFINED                 370        0        0
ELECTRONIC DATA SYSTEMS CORP   COMMON STOCK     285661104       15      240 SH       DEFINED                 240        0        0
EMERSON ELECTRIC CO            COMMON STOCK     291011104      929    20390 SH       DEFINED               20390        0        0
EMERSON ELECTRIC CO            COMMON STOCK     291011104      130     2850 SH       OTHER                  2850        0        0
ENRON CORPORATION              COMMON STOCK     293561106       40      580 SH       DEFINED                 580        0        0
EXXON MOBIL CORPORATION        COMMON STOCK     30231G102     2822    37469 SH       DEFINED               37469        0        0
EXXON MOBIL CORPORATION        COMMON STOCK     30231G102     1284    17052 SH       OTHER                 17052        0        0
FEDERAL HOME LOAN MORTGAGE COR COMMON STOCK     313400301       58     1400 SH       DEFINED                1400        0        0
FEDERAL NATIONAL MORTGAGE ASSN COMMON STOCK     313586109      219     4140 SH       DEFINED                4140        0        0
FEDERAL NATIONAL MORTGAGE ASSN COMMON STOCK     313586109       16      300 SH       OTHER                   300        0        0
FEDEX CORPORATION              COMMON STOCK     31428X106      459    13126 SH       DEFINED               13126        0        0
FEDEX CORPORATION              COMMON STOCK     31428X106       23      660 SH       OTHER                   480        0      180
FLORIDA PROGRESS CORP          COMMON STOCK     341109106       16      375 SH       OTHER                   375        0        0
FORD MOTOR COMPANY             COMMON STOCK     345370100      348     8372 SH       DEFINED                8372        0        0
FORD MOTOR COMPANY             COMMON STOCK     345370100      122     2936 SH       OTHER                  2806        0      130
FOREST LABS INC                COMMON STOCK     345838106       27      400 SH       OTHER                   400        0        0
FORT JAMES CORPORATION         COMMON STOCK     347471104       77     4085 SH       DEFINED                4085        0        0
FPL GROUP INC                  COMMON STOCK     302571104       40     1045 SH       DEFINED                1045        0        0
FPL GROUP INC                  COMMON STOCK     302571104       15      400 SH       OTHER                   400        0        0
GANNETT INC                    COMMON STOCK     364730101       52      800 SH       DEFINED                 800        0        0
GENERAL DYNAMICS CORP          COMMON STOCK     369550108       22      520 SH       DEFINED                 520        0        0
GENERAL DYNAMICS CORP          COMMON STOCK     369550108       70     1622 SH       OTHER                  1622        0        0
GENERAL ELECTRIC CO            COMMON STOCK     369604103     2618    19777 SH       DEFINED               17913        0     1864
GENERAL ELECTRIC CO            COMMON STOCK     369604103      606     4575 SH       OTHER                  4575        0        0
GENERAL MILLS INC              COMMON STOCK     370334104       68     2062 SH       DEFINED                2062        0        0
GENERAL MOTORS CORP            COMMON STOCK     370442105      340     4472 SH       DEFINED                4472        0        0
GENERAL MOTORS CORP            COMMON STOCK     370442105       84     1105 SH       OTHER                  1105        0        0
GENUINE PARTS CO               COMMON STOCK     372460105        1       56 SH       DEFINED                  56        0        0
GEORGIA-PACIFIC GROUP          COMMON STOCK     373298108      292     8420 SH       DEFINED                8420        0        0
GEORGIA-PACIFIC GROUP          COMMON STOCK     373298108       60     1730 SH       OTHER                  1560        0      170
GILLETTE CO                    COMMON STOCK     375766102       82     2320 SH       DEFINED                2320        0        0
GILLETTE CO                    COMMON STOCK     375766102      138     3924 SH       OTHER                  3924        0        0
GOODYEAR TIRE & RUBBER CO      COMMON STOCK     382550101        5      200 SH       OTHER                   200        0        0
GRAINGER W W INC               COMMON STOCK     384802104       21      500 SH       DEFINED                 500        0        0
GTE CORP                       COMMON STOCK     362320103      404     6855 SH       DEFINED                6855        0        0
GTE CORP                       COMMON STOCK     362320103       93     1574 SH       OTHER                  1574        0        0
HALLIBURTON CO                 COMMON STOCK     406216101      117     3075 SH       DEFINED                3075        0        0
HARCOURT GENERAL INC           COMMON STOCK     41163G101        7      200 SH       DEFINED                 200        0        0
HERSHEY FOODS CORP             COMMON STOCK     427866108       35      800 SH       DEFINED                 800        0        0
HEWLETT PACKARD CO             COMMON STOCK     428236103     1695    12602 SH       DEFINED               12602        0        0
HEWLETT PACKARD CO             COMMON STOCK     428236103      301     2240 SH       OTHER                  2240        0        0
HONEYWELL INTERNATIONAL INC    COMMON STOCK     438516106     1261    26201 SH       DEFINED               26201        0        0
HONEYWELL INTERNATIONAL INC    COMMON STOCK     438516106      114     2363 SH       OTHER                  2243        0      120
IDACORP INC                    COMMON STOCK     451107106        6      200 SH       DEFINED                 200        0        0
INTERNATIONAL BUSINESS MACHS C COMMON STOCK     459200101     3072    29895 SH       DEFINED               29895        0        0
INTERNATIONAL BUSINESS MACHS C COMMON STOCK     459200101      505     4917 SH       OTHER                  4917        0        0
INTERNATIONAL PAPER CO         COMMON STOCK     460146103        7      190 SH       DEFINED                 190        0        0
INTERNATIONAL PAPER CO         COMMON STOCK     460146103       21      557 SH       OTHER                   557        0        0
IPALCO ENTERPRISES INC         COMMON STOCK     462613100       91     5400 SH       DEFINED                5400        0        0
ITT INDUSTRIES, INC            COMMON STOCK     450911102        5      200 SH       OTHER                   200        0        0
JOHNSON & JOHNSON              COMMON STOCK     478160104      505     7007 SH       DEFINED                6807        0      200
JOHNSON & JOHNSON              COMMON STOCK     478160104      157     2180 SH       OTHER                  2180        0        0
JOSTENS INC                    COMMON STOCK     481088102       24     1000 SH       DEFINED                1000        0        0
KANSAS CITY POWER & LIGHT CO   COMMON STOCK     485134100       35     1532 SH       DEFINED                1532        0        0
KANSAS CITY POWER & LIGHT CO   COMMON STOCK     485134100       71     3100 SH       OTHER                  3100        0        0
KELLOGG CO                     COMMON STOCK     487836108        3      115 SH       DEFINED                 115        0        0
KIMBERLY CLARK CORP            COMMON STOCK     494368103       11      210 SH       DEFINED                 210        0        0
LILLY ELI & CO                 COMMON STOCK     532457108      181     3045 SH       DEFINED                3045        0        0
LILLY ELI & CO                 COMMON STOCK     532457108       32      545 SH       OTHER                   545        0        0
LINCOLN NATIONAL CORP IND      COMMON STOCK     534187109       58     2100 SH       DEFINED                2100        0        0
LOWES COMPANIES INC            COMMON STOCK     548661107      433     9055 SH       DEFINED                9055        0        0
LOWES COMPANIES INC            COMMON STOCK     548661107       71     1480 SH       OTHER                  1480        0        0
MARSH & MCLENNAN COMPANIES INC COMMON STOCK     571748102       80     1036 SH       DEFINED                1036        0        0
MARSH & MCLENNAN COMPANIES INC COMMON STOCK     571748102      162     2100 SH       OTHER                  2100        0        0
MAY DEPARTMENT STORES CO       COMMON STOCK     577778103       47     1800 SH       DEFINED                1800        0        0
MAY DEPARTMENT STORES CO       COMMON STOCK     577778103       26     1002 SH       OTHER                  1002        0        0
MCDONALDS CORP                 COMMON STOCK     580135101      457    14464 SH       DEFINED               14464        0        0
MCDONALDS CORP                 COMMON STOCK     580135101      158     5000 SH       OTHER                  5000        0        0
MCN ENERGY GROUP INC           COMMON STOCK     55267J100        2      100 SH       DEFINED                 100        0        0
MEAD CORP                      COMMON STOCK     582834107       59     1964 SH       DEFINED                1964        0        0
MERCK & CO INC                 COMMON STOCK     589331107     1517    24636 SH       DEFINED               24636        0        0
MERCK & CO INC                 COMMON STOCK     589331107      391     6350 SH       OTHER                  6350        0        0
MERRILL LYNCH & CO INC         COMMON STOCK     590188108       71      695 SH       DEFINED                 695        0        0
MINNESOTA MINING & MANUFACTURI COMMON STOCK     604059105      245     2780 SH       DEFINED                2780        0        0
MINNESOTA MINING & MANUFACTURI COMMON STOCK     604059105       55      625 SH       OTHER                   625        0        0
MONSANTO CO                    COMMON STOCK     611662107      341     8795 SH       DEFINED                8795        0        0
MORGAN J P & CO INC            COMMON STOCK     616880100       61      550 SH       DEFINED                 550        0        0
MORGAN J P & CO INC            COMMON STOCK     616880100       13      120 SH       OTHER                   120        0        0
MOTOROLA INC                   COMMON STOCK     620076109       13       75 SH       DEFINED                  75        0        0
MOTOROLA INC                   COMMON STOCK     620076109        4       25 SH       OTHER                    25        0        0
NICOR INC                      COMMON STOCK     654086107       13      441 SH       DEFINED                 441        0        0
NORFOLK SOUTHERN CORP          COMMON STOCK     655844108       27     2025 SH       DEFINED                2025        0        0
NORTHERN STATES POWER CO MINN  COMMON STOCK     665772109       15      836 SH       DEFINED                 836        0        0
P G & E CORPORATION            COMMON STOCK     69331C108        8      400 SH       DEFINED                 400        0        0
P G & E CORPORATION            COMMON STOCK     69331C108        4      206 SH       OTHER                   206        0        0
PECO ENERGY CO                 COMMON STOCK     693304107      194     5196 SH       DEFINED                5196        0        0
PECO ENERGY CO                 COMMON STOCK     693304107       27      725 SH       OTHER                   525        0      200
PENNEY J C INC                 COMMON STOCK     708160106       13      844 SH       OTHER                   844        0        0
PEPSICO INC                    COMMON STOCK     713448108       39     1200 SH       DEFINED                1200        0        0
PEPSICO INC                    COMMON STOCK     713448108       26      800 SH       OTHER                   800        0        0
PFIZER INC                     COMMON STOCK     717081103     2021    62916 SH       DEFINED               60516        0     2400
PFIZER INC                     COMMON STOCK     717081103      240     7465 SH       OTHER                  7465        0        0
PHILIP MORRIS COMPANIES INC    COMMON STOCK     718154107       36     1800 SH       DEFINED                1800        0        0
PHILIP MORRIS COMPANIES INC    COMMON STOCK     718154107        3      165 SH       OTHER                   165        0        0
PHILLIPS PETROLEUM CO          COMMON STOCK     718507106      209     5478 SH       DEFINED                5478        0        0
PHILLIPS PETROLEUM CO          COMMON STOCK     718507106       14      375 SH       OTHER                   375        0        0
PROCTER & GAMBLE CO            COMMON STOCK     742718109      698     7943 SH       DEFINED                6875        0     1068
PROCTER & GAMBLE CO            COMMON STOCK     742718109      447     5082 SH       OTHER                  5082        0        0
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK     744573106       31     1060 SH       DEFINED                1060        0        0
QUAKER OATS CO                 COMMON STOCK     747402105      279     5175 SH       DEFINED                5175        0        0
QUAKER OATS CO                 COMMON STOCK     747402105       15      270 SH       OTHER                   270        0        0
RALSTON - RALSTON PURINA GROUP COMMON STOCK     751277302       87     3061 SH       DEFINED                3061        0        0
RALSTON - RALSTON PURINA GROUP COMMON STOCK     751277302        8      300 SH       OTHER                   300        0        0
RAYTHEON COMPANY CLASS B NEW   COMMON STOCK     755111408       39     2110 SH       DEFINED                2110        0        0
RAYTHEON COMPANY CLASS B NEW   COMMON STOCK     755111408        4      220 SH       OTHER                   220        0        0
RELIANT ENERGY INC             COMMON STOCK     75952J108       21     1000 SH       OTHER                  1000        0        0
RELIASTAR FINANCIAL CORP       COMMON STOCK     75952U103      537    19220 SH       DEFINED               19220        0        0
RELIASTAR FINANCIAL CORP       COMMON STOCK     75952U103       68     2450 SH       OTHER                  2450        0        0
SARA LEE CORP                  COMMON STOCK     803111103      180    12074 SH       DEFINED               12074        0        0
SARA LEE CORP                  COMMON STOCK     803111103        6      400 SH       OTHER                   400        0        0
SBC COMMUNICATIONS INC         COMMON STOCK     78387G103      886    23274 SH       DEFINED               23274        0        0
SBC COMMUNICATIONS INC         COMMON STOCK     78387G103      386    10150 SH       OTHER                 10150        0        0
SCANA CORPORATION              COMMON STOCK     80589M102        5      200 SH       DEFINED                 200        0        0
SCHERING PLOUGH CORP           COMMON STOCK     806605101      721    20600 SH       DEFINED               20600        0        0
SCHERING PLOUGH CORP           COMMON STOCK     806605101      193     5520 SH       OTHER                  5520        0        0
SCHLUMBERGER LTD               COMMON STOCK     806857108      162     2190 SH       DEFINED                2190        0        0
SCHLUMBERGER LTD               COMMON STOCK     806857108       30      400 SH       OTHER                   400        0        0
SEARS ROEBUCK & CO             COMMON STOCK     812387108      103     3737 SH       DEFINED                3737        0        0
SOUTHERN CO                    COMMON STOCK     842587107      197     8900 SH       DEFINED                8900        0        0
SOUTHERN CO                    COMMON STOCK     842587107        7      300 SH       OTHER                   300        0        0
SOUTHWEST AIRLINES CO          COMMON STOCK     844741108      119     6446 SH       DEFINED                6446        0        0
SOUTHWEST AIRLINES CO          COMMON STOCK     844741108       25     1364 SH       OTHER                  1364        0        0
SPRINT CORPORATION (FON GROUP) COMMON STOCK     852061100      628    10295 SH       DEFINED               10295        0        0
SPRINT CORPORATION (FON GROUP) COMMON STOCK     852061100      282     4630 SH       OTHER                  4630        0        0
SUN MICROSYSTEMS INC           COMMON STOCK     866810104     2719    28550 SH       DEFINED               28550        0        0
SUN MICROSYSTEMS INC           COMMON STOCK     866810104      238     2500 SH       OTHER                  2500        0        0
SYSCO CORP                     COMMON STOCK     871829107       61     1870 SH       DEFINED                1870        0        0
TECO ENERGY INC                COMMON STOCK     872375100       32     1800 SH       OTHER                  1800        0        0
TEXACO INC                     COMMON STOCK     881694103      465     9810 SH       DEFINED                9588        0      222
TEXACO INC                     COMMON STOCK     881694103      175     3690 SH       OTHER                  3690        0        0
TEXAS INSTRUMENTS INC          COMMON STOCK     882508104       12       75 SH       DEFINED                  75        0        0
TEXAS UTILITIES CO             COMMON STOCK     882848104       45     1365 SH       DEFINED                1365        0        0
TEXAS UTILITIES CO             COMMON STOCK     882848104       47     1449 SH       OTHER                  1449        0        0
TEXTRON INC                    COMMON STOCK     883203101      361     5924 SH       DEFINED                5924        0        0
TEXTRON INC                    COMMON STOCK     883203101       45      740 SH       OTHER                   740        0        0
TIME WARNER INC                COMMON STOCK     887315109      939    11019 SH       DEFINED               11019        0        0
TIME WARNER INC                COMMON STOCK     887315109      164     1920 SH       OTHER                  1920        0        0
TOYS "R" US INC                COMMON STOCK     892335100        1       50 SH       DEFINED                  50        0        0
TRW INC                        COMMON STOCK     872649108       16      330 SH       DEFINED                 330        0        0
U S WEST INC                   COMMON STOCK     91273H101      395     5434 SH       DEFINED                5434        0        0
U S WEST INC                   COMMON STOCK     91273H101      196     2695 SH       OTHER                  2695        0        0
UMB FINANCIAL CORP             COMMON STOCK     902788108        9      259 SH       OTHER                   259        0        0
UNICOM CORP                    COMMON STOCK     904911104       22      575 SH       DEFINED                 575        0        0
UNION PACIFIC CORP             COMMON STOCK     907818108       36      960 SH       DEFINED                 960        0        0
UNION PACIFIC CORP             COMMON STOCK     907818108        4      104 SH       OTHER                   104        0        0
UNITED TECHNOLOGIES CORP       COMMON STOCK     913017109      801    15725 SH       DEFINED               15725        0        0
UNITED TECHNOLOGIES CORP       COMMON STOCK     913017109       58     1130 SH       OTHER                  1130        0        0
UNOCAL CORP                    COMMON STOCK     915289102       13      475 SH       DEFINED                 475        0        0
USX-MARATHON GROUP             COMMON STOCK     902905827      227    10485 SH       DEFINED               10485        0        0
USX-MARATHON GROUP             COMMON STOCK     902905827        3      150 SH       OTHER                   150        0        0
WAL MART STORES INC            COMMON STOCK     931142103     5206   106514 SH       DEFINED               97254        0     9260
WAL MART STORES INC            COMMON STOCK     931142103     1730    35405 SH       OTHER                 35235        0      170
WARNER LAMBERT CO              COMMON STOCK     934488107     1084    12674 SH       DEFINED               12674        0        0
WARNER LAMBERT CO              COMMON STOCK     934488107      189     2212 SH       OTHER                  2212        0        0
WELLS FARGO COMPANY            COMMON STOCK     949746101      294     8880 SH       DEFINED                8880        0        0
WELLS FARGO COMPANY            COMMON STOCK     949746101       99     3000 SH       OTHER                  3000        0        0
WESTERN RESOURCES INC          COMMON STOCK     959425109        3      169 SH       DEFINED                 169        0        0
WEYERHAEUSER CO                COMMON STOCK     962166104       87     1705 SH       DEFINED                1705        0        0
WHIRLPOOL CORP                 COMMON STOCK     963320106      170     3125 SH       DEFINED                3125        0        0
WHIRLPOOL CORP                 COMMON STOCK     963320106       17      310 SH       OTHER                   310        0        0
WISCONSIN ENERGY CORP          COMMON STOCK     976657106        7      400 SH       DEFINED                 400        0        0
XEROX CORP                     COMMON STOCK     984121103        2       90 SH       DEFINED                  90        0        0
ALCAN ALUMINUM LTD             COMMON STOCK     013716105        5      150 SH       DEFINED                 150        0        0
BRITISH TELECOMMUNICATIONS P L COMMON STOCK     111021408        8       47 SH       DEFINED                  47        0        0
GLAXO WELLCOME PLC SPONSORED A COMMON STOCK     37733W105       12      256 SH       DEFINED                 256        0        0
ROYAL DUTCH PETROLEUM COMPANY  COMMON STOCK     780257804      151     2855 SH       DEFINED                2855        0        0
VODAFONE AIRTOUCH PLC SPONSORE COMMON STOCK     92857T107      633    10980 SH       DEFINED               10980        0        0
VODAFONE AIRTOUCH PLC SPONSORE COMMON STOCK     92857T107       11      190 SH       OTHER                   190        0        0
CARMEL HOLDINGS INC            OTHER            143271104        0       20 SH       DEFINED             N.A.     N.A.     N.A.
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