[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: 10/31/1999
Check here if Amendment [ ] Amendment Number:
This Amendment [ ] is a restatement
[ ] adds new holding entries
Institutional Investment Manager Filing this Report:
Name: CITIZENS BANK
Address: 870 WESTMINSTER STREET
PROVIDENCE, RI 02903
13F File Number: 28-05954
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: Michael McMennamin
Title: GROUP EXEC VP & CFO
Phone: 401-454-2328
Signature, Place, and Date of Signing:
1 Providence, RI 11/09/99
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: 2
Form 13F Information Table Entry Total: 655
Form 13F Information Table Value Total: $ 1,314,894
List of Other Included Managers:
No. 13F File Number Name
9 NH Contenniel Home Inv. Comm.
12 Starkweather
<PAGE>
<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
A T & T COMMON STOCK 001957109 9002 192546 SH
A T & T COMMON STOCK 001957109 289 6190 SH
A T & T COMMON STOCK 001957109 3518 75244 SH
ABBOTT LABORATORIES COMMON STOCK 002824100 5894 145989 SH
ABBOTT LABORATORIES COMMON STOCK 002824100 137 3400 SH
ABBOTT LABORATORIES COMMON STOCK 002824100 1268 31410 SH
ADOBE SYS INC COMMON STOCK 00724F101 705 10082 SH
ADOBE SYS INC COMMON STOCK 00724F101 6 80 SH
AETNA INC. COMMON STOCK 008117103 199 3955 SH
AETNA INC. COMMON STOCK 008117103 141 2812 SH
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 818 29746 SH
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 193 7000 SH
ALBERTSONS INC. COMMON STOCK 013104104 276 7672 SH
ALBERTSONS INC. COMMON STOCK 013104104 338 9400 SH
ALCOA INC COMMON STOCK 013817101 708 11654 SH
ALCOA INC COMMON STOCK 013817101 49 800 SH
ALCOA INC COMMON STOCK 013817101 164 2700 SH
ALLEGHENY ENERGY INC COMMON STOCK 017361106 122 3820 SH
ALLEGHENY ENERGY INC COMMON STOCK 017361106 113 3560 SH
ALLERGAN, INC COMMON STOCK 018490102 1931 17982 SH
ALLERGAN, INC COMMON STOCK 018490102 43 400 SH
ALLIED SIGNAL INC COMMON STOCK 019512102 9362 164421 SH
ALLIED SIGNAL INC COMMON STOCK 019512102 216 3800 SH
ALLIED SIGNAL INC COMMON STOCK 019512102 820 14402 SH
ALLSTATE CORP COMMON STOCK 020002101 644 22191 SH
ALLSTATE CORP COMMON STOCK 020002101 143 4930 SH
ALLTEL CORPORATION COMMON STOCK 020039103 1731 20790 SH
ALLTEL CORPORATION COMMON STOCK 020039103 479 5751 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 481 3715 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 239 1850 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 26665 173148 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 216 1400 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 1416 9197 SH
AMERICAN GENERAL CORP. COMMON STOCK 026351106 205 2760 SH
AMERICAN HOME PRODUCTS CORP. COMMON STOCK 026609107 6255 119707 SH
AMERICAN HOME PRODUCTS CORP. COMMON STOCK 026609107 543 10400 SH
AMERICAN HOME PRODUCTS CORP. COMMON STOCK 026609107 4376 83748 SH
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874107 27402 266204 SH
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874107 968 9403 SH
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874107 31461 305632 SH
AMERICAN POWER CONVERSION COMMON STOCK 029066107 233 10400 SH
AMERICAN POWER CONVERSION COMMON STOCK 029066107 193 8600 SH
AMGEN INC. COMMON STOCK 031162100 2366 29665 SH
AMGEN INC. COMMON STOCK 031162100 32 400 SH
AMGEN INC. COMMON STOCK 031162100 445 5575 SH
ANHEUSER-BUSCH COMPANIES, INC. COMMON STOCK 035229103 12454 173120 SH
ANHEUSER-BUSCH COMPANIES, INC. COMMON STOCK 035229103 101 1400 SH
ANHEUSER-BUSCH COMPANIES, INC. COMMON STOCK 035229103 1248 17353 SH
AON CORP COMMON STOCK 037389103 289 8152 SH
APPLIED MATERIALS INC COMMON STOCK 038222105 507 5645 SH
APPLIED MATERIALS INC COMMON STOCK 038222105 83 925 SH
ARGUSS HLDGS INC COMMON STOCK 040282105 11045 748813 SH
ARMSTRONG WORLD IND. COMMON STOCK 042476101 366 9800 SH
ARMSTRONG WORLD IND. COMMON STOCK 042476101 56 1500 SH
ARMSTRONG WORLD IND. COMMON STOCK 042476101 45 1200 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 209 5730 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 7 200 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 69 1880 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 2271 24375 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 157 1680 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 1306 14011 SH
AUTOMATIC DATA PROCESSING INC. COMMON STOCK 053015103 11071 229755 SH
AUTOMATIC DATA PROCESSING INC. COMMON STOCK 053015103 549 11400 SH
AUTOMATIC DATA PROCESSING INC. COMMON STOCK 053015103 3215 66711 SH
AVERY DENNISON CORP. COMMON STOCK 053611109 2403 38441 SH
AVERY DENNISON CORP. COMMON STOCK 053611109 13 200 SH
AVERY DENNISON CORP. COMMON STOCK 053611109 495 7926 SH
AVNET, INC. COMMON STOCK 053807103 516 9460 SH
AVNET, INC. COMMON STOCK 053807103 85 1550 SH
BCE INC. FOREIGN STOCK 05534B109 377 6252 SH
BP AMOCO PLC COMMON STOCK 055622104 8269 143186 SH
BP AMOCO PLC COMMON STOCK 055622104 185 3200 SH
BP AMOCO PLC COMMON STOCK 055622104 1735 30042 SH
BMC SOFTWARE COMMON STOCK 055921100 176 2745 SH
BMC SOFTWARE COMMON STOCK 055921100 22 342 SH
BMC SOFTWARE COMMON STOCK 055921100 4 64 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 12825 199030 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 110 1700 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 1111 17245 SH
BANK OF NEW YORK CO. INC COMMON STOCK 064057102 195 4648 SH
BANK OF NEW YORK CO. INC COMMON STOCK 064057102 827 19752 SH
BANK ONE CORP COMMON STOCK 06423A103 180 4753 SH
BANK ONE CORP COMMON STOCK 06423A103 157 4140 SH
BAXTER INTERNATIONAL INC. COMMON STOCK 071813109 276 4253 SH
BAXTER INTERNATIONAL INC. COMMON STOCK 071813109 137 2113 SH
BECTON DICKINSON & CO COMMON STOCK 075887109 355 14005 SH
BECTON DICKINSON & CO COMMON STOCK 075887109 28 1110 SH
BECTON DICKINSON & CO COMMON STOCK 075887109 102 4000 SH
BELL ATLANTIC CORP. COMMON STOCK 077853109 22716 349811 SH
BELL ATLANTIC CORP. COMMON STOCK 077853109 800 12324 SH
BELL ATLANTIC CORP. COMMON STOCK 077853109 5124 78911 SH
BELLSOUTH CORPORATION COMMON STOCK 079860102 6921 153803 SH
BELLSOUTH CORPORATION COMMON STOCK 079860102 151 3350 SH
BELLSOUTH CORPORATION COMMON STOCK 079860102 2903 64508 SH
A H BELO CORP COMMON STOCK 080555105 2567 126000 SH
A H BELO CORP COMMON STOCK 080555105 2 120 SH
BERKSHIRE HATHAWAY DEL COMMON STOCK 084670207 98 47 SH
BERKSHIRE HATHAWAY DEL COMMON STOCK 084670207 75 36 SH
BERKSHIRE HATHAWAY DEL COMMON STOCK 084670207 1112 532 SH
BESTFOODS COMMON STOCK 08658U101 2609 44400 SH
BESTFOODS COMMON STOCK 08658U101 112 1900 SH
BESTFOODS COMMON STOCK 08658U101 711 12094 SH
BIOGEN, INC. COMMON STOCK 090597105 560 7550 SH
BIOGEN, INC. COMMON STOCK 090597105 102 1375 SH
BOEING CO. COMMON STOCK 097023105 1625 35280 SH
BOEING CO. COMMON STOCK 097023105 137 2981 SH
BOEING CO. COMMON STOCK 097023105 549 11912 SH
BOISE CASCADE CORP. COMMON STOCK 097383103 218 6113 SH
BOISE CASCADE CORP. COMMON STOCK 097383103 36 1015 SH
BRIGGS & STRATTON CORP COMMON STOCK 109043109 821 14044 SH
BRIGGS & STRATTON CORP COMMON STOCK 109043109 394 6750 SH
BRISTOL-MYERS SQUIBB CO. COMMON STOCK 110122108 27759 361390 SH
BRISTOL-MYERS SQUIBB CO. COMMON STOCK 110122108 342 4450 SH
BRISTOL-MYERS SQUIBB CO. COMMON STOCK 110122108 7832 101958 SH
BROWN & SHARPE MFG CO COMMON STOCK 115223109 29 10000 SH
BURLINGTON NORTHERN COMMON STOCK 12189T104 342 10715 SH
BURLINGTON NORTHERN COMMON STOCK 12189T104 0 10 SH
BURLINGTON NORTHERN COMMON STOCK 12189T104 117 3670 SH
CBS CORP COMMON STOCK 12490K107 695 14232 SH
CBS CORP COMMON STOCK 12490K107 235 4808 SH
CIGNA COMMON STOCK 125509109 8456 113125 SH
CIGNA COMMON STOCK 125509109 103 1375 SH
CVS CORP COMMON STOCK 126650100 1979 45554 SH
CVS CORP COMMON STOCK 126650100 13 300 SH
CVS CORP COMMON STOCK 126650100 491 11300 SH
CAMPBELL SOUP CO COMMON STOCK 134429109 740 16450 SH
CAMPBELL SOUP CO COMMON STOCK 134429109 369 8200 SH
CANANDAIGUA BRANDS INC COMMON STOCK 137219200 411 6792 SH
CARNIVAL CRUISE COMMON STOCK 143658102 3686 82825 SH
CARNIVAL CRUISE COMMON STOCK 143658102 260 5850 SH
CARPENTER TECHNOLOGY CORP. COMMON STOCK 144285103 236 9700 SH
CARPENTER TECHNOLOGY CORP. COMMON STOCK 144285103 13 550 SH
CARPENTER TECHNOLOGY CORP. COMMON STOCK 144285103 13 550 SH
CATERPILLAR TRACTOR CO COMMON STOCK 149123101 5880 106305 SH
CATERPILLAR TRACTOR CO COMMON STOCK 149123101 11 200 SH
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 140 6300 SH
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 87 3932 SH
CHASE MANHATTAN CORP COMMON STOCK 16161A108 7450 85387 SH
CHASE MANHATTAN CORP COMMON STOCK 16161A108 1111 12733 SH
CHEVRON CORP COMMON STOCK 166751107 17277 189208 SH
CHEVRON CORP COMMON STOCK 166751107 41 450 SH
CHEVRON CORP COMMON STOCK 166751107 2913 31902 SH
CIRCUIT CITY STORES COMMON STOCK 172737108 2529 59500 SH
CIRCUIT CITY STORES COMMON STOCK 172737108 80 1876 SH
CISCO SYSTEMS COMMON STOCK 17275R102 12455 168305 SH
CISCO SYSTEMS COMMON STOCK 17275R102 70 950 SH
CISCO SYSTEMS COMMON STOCK 17275R102 2269 30663 SH
CITIGROUP INC COMMON STOCK 172967101 17797 328062 SH
CITIGROUP INC COMMON STOCK 172967101 95 1758 SH
CITIGROUP INC COMMON STOCK 172967101 1953 35994 SH
CLOROX CO. COMMON STOCK 189054109 4678 114266 SH
CLOROX CO. COMMON STOCK 189054109 18 450 SH
CLOROX CO. COMMON STOCK 189054109 663 16200 SH
COCA-COLA CO. COMMON STOCK 191216100 14222 241046 SH
COCA-COLA CO. COMMON STOCK 191216100 207 3500 SH
COCA-COLA CO. COMMON STOCK 191216100 7353 124623 SH
COLGATE-PALMOLIVE CO. COMMON STOCK 194162103 2803 46334 SH
COLGATE-PALMOLIVE CO. COMMON STOCK 194162103 12 200 SH
COLGATE-PALMOLIVE CO. COMMON STOCK 194162103 1603 26500 SH
COMERICA INC. COMMON STOCK 200340107 262 4403 SH
COMERICA INC. COMMON STOCK 200340107 169 2850 SH
COMPAQ COMPUTER COMMON STOCK 204493100 2349 122813 SH
COMPAQ COMPUTER COMMON STOCK 204493100 19 1000 SH
COMPAQ COMPUTER COMMON STOCK 204493100 164 8551 SH
COMPUWARE CORPORATION COMMON STOCK 205638109 291 10470 SH
COMPUWARE CORPORATION COMMON STOCK 205638109 22 808 SH
COMPUWARE CORPORATION COMMON STOCK 205638109 9 330 SH
COMVERSE TECHNOLOGY INC. COMMON STOCK 205862402 380 3346 SH
COMVERSE TECHNOLOGY INC. COMMON STOCK 205862402 5 48 SH
CONEXANT SYSTEMS INC COMMON STOCK 207142100 187 2000 SH
CONEXANT SYSTEMS INC COMMON STOCK 207142100 58 625 SH
CONEXANT SYSTEMS INC COMMON STOCK 207142100 82 875 SH
CONOCO INC. COMMON STOCK 208251405 1030 37959 SH
CONOCO INC. COMMON STOCK 208251405 190 7002 SH
CONOCO INC. COMMON STOCK 208251405 479 17677 SH
CONSECO INC COMMON STOCK 208464107 904 37089 SH
CONSECO INC COMMON STOCK 208464107 26 1074 SH
CONSECO INC COMMON STOCK 208464107 66 2711 SH
CONSOLIDATED EDISON INC. COMMON STOCK 209115104 123 3213 SH
CONSOLIDATED EDISON INC. COMMON STOCK 209115104 195 5100 SH
CONSOLIDATED NATURAL GAS CO COMMON STOCK 209615103 487 7610 SH
CONSOLIDATED NATURAL GAS CO COMMON STOCK 209615103 45 701 SH
CONSTELLATION ENERGY CORP COMMON STOCK 210371100 245 7975 SH
CORNING INCORPORATED COMMON STOCK 219350105 317 4028 SH
CORNING INCORPORATED COMMON STOCK 219350105 307 3900 SH
COUNTRYWIDE CREDIT INDS INC COMMON STOCK 222372104 568 16772 SH
COUNTRYWIDE CREDIT INDS INC COMMON STOCK 222372104 15 450 SH
COUNTRYWIDE CREDIT INDS INC COMMON STOCK 222372104 34 1000 SH
DQE INC. COMMON STOCK 23329J104 595 14900 SH
DQE INC. COMMON STOCK 23329J104 98 2466 SH
DANA CORP. COMMON STOCK 235811106 273 9222 SH
DANA CORP. COMMON STOCK 235811106 121 4088 SH
DANA CORP. COMMON STOCK 235811106 83 2791 SH
DAYTON-HUDSON COMMON STOCK 239753106 457 7075 SH
DAYTON-HUDSON COMMON STOCK 239753106 270 4175 SH
DELL COMPUTER COMMON STOCK 247025109 5503 137158 SH
DELL COMPUTER COMMON STOCK 247025109 52 1300 SH
DELL COMPUTER COMMON STOCK 247025109 743 18525 SH
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 64 3908 SH
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 6 335 SH
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 104 6309 SH
DIAL CORP NEW COMMON STOCK 25247D101 637 27250 SH
DIAL CORP NEW COMMON STOCK 25247D101 77 3300 SH
DIEBOLD, INC. COMMON STOCK 253651103 138 5239 SH
DIEBOLD, INC. COMMON STOCK 253651103 285 10840 SH
WALT DISNEY CO. COMMON STOCK 254687106 5442 205355 SH
WALT DISNEY CO. COMMON STOCK 254687106 366 13800 SH
WALT DISNEY CO. COMMON STOCK 254687106 821 30970 SH
DONALDSON LUFKIN & JENRETTE COMMON STOCK 257661108 344 6650 SH
RR DONNELLEY & SONS COMMON STOCK 257867101 217 8936 SH
RR DONNELLEY & SONS COMMON STOCK 257867101 19 800 SH
RR DONNELLEY & SONS COMMON STOCK 257867101 118 4875 SH
DOVER CORP. COMMON STOCK 260003108 575 13500 SH
DOW CHEMICAL CO COMMON STOCK 260543103 4431 37472 SH
DOW CHEMICAL CO COMMON STOCK 260543103 39 327 SH
DOW CHEMICAL CO COMMON STOCK 260543103 712 6025 SH
E.I. DUPONT deNEMOURS & CO. COMMON STOCK 263534109 11820 183441 SH
E.I. DUPONT deNEMOURS & CO. COMMON STOCK 263534109 214 3326 SH
E.I. DUPONT deNEMOURS & CO. COMMON STOCK 263534109 2404 37309 SH
DUKE ENERGY CORP. COMMON STOCK 264399106 431 7625 SH
DUKE ENERGY CORP. COMMON STOCK 264399106 284 5018 SH
E M C CORP MASS COMMON STOCK 268648102 2871 39335 SH
E M C CORP MASS COMMON STOCK 268648102 1659 22725 SH
EASTMAN KODAK CO COMMON STOCK 277461109 988 14339 SH
EASTMAN KODAK CO COMMON STOCK 277461109 560 8126 SH
EDISON INTERNATIONAL COMMON STOCK 281020107 215 7264 SH
A G EDWARDS INC COMMON STOCK 281760108 557 18412 SH
A G EDWARDS INC COMMON STOCK 281760108 12 400 SH
A G EDWARDS INC COMMON STOCK 281760108 170 5625 SH
ELECTRONIC DATA SYSTEMS COMMON STOCK 285661104 205 3502 SH
ELECTRONIC DATA SYSTEMS COMMON STOCK 285661104 167 2862 SH
EMERSON ELECTRIC CO. COMMON STOCK 291011104 1444 24046 SH
EMERSON ELECTRIC CO. COMMON STOCK 291011104 198 3300 SH
EMERSON ELECTRIC CO. COMMON STOCK 291011104 757 12610 SH
ENERGYNORTH, INC. COMMON STOCK 292925104 767 17050 SH
ENERGYNORTH, INC. COMMON STOCK 292925104 114 2533 SH
ENRON CORP. COMMON STOCK 293561106 1823 45655 SH
ENRON CORP. COMMON STOCK 293561106 1214 30390 SH
EXXON CORP COMMON STOCK 302290101 21873 295338 SH
EXXON CORP COMMON STOCK 302290101 352 4750 SH
EXXON CORP COMMON STOCK 302290101 10349 139732 SH
FPL GROUP COMMON STOCK 302571104 2865 56941 SH
FPL GROUP COMMON STOCK 302571104 45 900 SH
FPL GROUP COMMON STOCK 302571104 497 9879 SH
FEDERAL HOME LOAN COMMON STOCK 313400301 4874 90265 SH
FEDERAL HOME LOAN COMMON STOCK 313400301 46 860 SH
FEDERAL HOME LOAN COMMON STOCK 313400301 1250 23150 SH
FANNIE MAE COMMON STOCK 313586109 4051 57213 SH
FANNIE MAE COMMON STOCK 313586109 142 2000 SH
FANNIE MAE COMMON STOCK 313586109 1064 15030 SH
FIRST UNION CORP COMMON STOCK 337358105 6131 143426 SH
FIRST UNION CORP COMMON STOCK 337358105 19 450 SH
FIRST UNION CORP COMMON STOCK 337358105 1036 24241 SH
FIRSTAR CORP NEW WIS COMMON STOCK 33763V109 656 22331 SH
FIRSTAR CORP NEW WIS COMMON STOCK 33763V109 94 3192 SH
FLEETWOOD ENTERPRISES COMMON STOCK 339099103 222 10200 SH
FLEETWOOD ENTERPRISES COMMON STOCK 339099103 13 600 SH
FLORIDA PROGRESS CORP. COMMON STOCK 341109106 178 3889 SH
FLORIDA PROGRESS CORP. COMMON STOCK 341109106 69 1500 SH
FLUOR CORP. COMMON STOCK 343861100 160 4000 SH
FLUOR CORP. COMMON STOCK 343861100 60 1495 SH
FORD MOTOR CO COMMON STOCK 345370100 1317 24002 SH
FORD MOTOR CO COMMON STOCK 345370100 30 550 SH
FORD MOTOR CO COMMON STOCK 345370100 387 7058 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 235 6640 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 25 700 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 88 2470 SH
GTE CORP. COMMON STOCK 362320103 7733 102845 SH
GTE CORP. COMMON STOCK 362320103 11 150 SH
GTE CORP. COMMON STOCK 362320103 2318 30834 SH
GANNETT INC. COMMON STOCK 364730101 166 2150 SH
GANNETT INC. COMMON STOCK 364730101 153 1990 SH
GAP, INC. COMMON STOCK 364760108 12688 341768 SH
GAP, INC. COMMON STOCK 364760108 28 750 SH
GAP, INC. COMMON STOCK 364760108 187 5043 SH
GATEWAY INC COM COMMON STOCK 367626108 4024 60910 SH
GATEWAY INC COM COMMON STOCK 367626108 41 616 SH
GATEWAY INC COM COMMON STOCK 367626108 46 700 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 78245 577456 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 2107 15550 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 28484 210212 SH
GENERAL MILLS INC COMMON STOCK 370334104 1112 12750 SH
GENERAL MILLS INC COMMON STOCK 370334104 248 2850 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 2010 28543 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 34 480 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 665 9435 SH
GENTEX COMMON STOCK 371901109 89 5200 SH
GENTEX COMMON STOCK 371901109 155 9000 SH
GENUINE PARTS COMMON STOCK 372460105 232 8917 SH
GENUINE PARTS COMMON STOCK 372460105 235 9005 SH
GEORGIA-PACIFIC CORP COMMON STOCK 373298108 229 5779 SH
GEORGIA-PACIFIC CORP COMMON STOCK 373298108 112 2819 SH
GILLETTE CO COMMON STOCK 375766102 4454 122875 SH
GILLETTE CO COMMON STOCK 375766102 8 225 SH
GILLETTE CO COMMON STOCK 375766102 1452 40049 SH
GLAXO WELLCOME PLC COMMON STOCK 37733W105 162 2700 SH
GLAXO WELLCOME PLC COMMON STOCK 37733W105 148 2470 SH
B. F. GOODRICH COMMON STOCK 382388106 1064 44925 SH
B. F. GOODRICH COMMON STOCK 382388106 9 400 SH
B. F. GOODRICH COMMON STOCK 382388106 23 950 SH
GRAINGER W W INC COMMON STOCK 384802104 312 7370 SH
GRAINGER W W INC COMMON STOCK 384802104 34 800 SH
GRAINGER W W INC COMMON STOCK 384802104 72 1700 SH
GUIDANT CORPORATION COMMON STOCK 401698105 923 18685 SH
GUIDANT CORPORATION COMMON STOCK 401698105 32 650 SH
GUIDANT CORPORATION COMMON STOCK 401698105 33 672 SH
HALLIBURTON CO COMMON STOCK 406216101 2991 79375 SH
HALLIBURTON CO COMMON STOCK 406216101 98 2600 SH
HALLIBURTON CO COMMON STOCK 406216101 791 21000 SH
HARLEY DAVIDSON INC COMMON STOCK 412822108 210 3535 SH
HASBRO, INC. COMMON STOCK 418056107 427 20725 SH
HASBRO, INC. COMMON STOCK 418056107 32 1550 SH
HASBRO, INC. COMMON STOCK 418056107 162 7843 SH
H.J. HEINZ CO. COMMON STOCK 423074103 254 5320 SH
H.J. HEINZ CO. COMMON STOCK 423074103 177 3700 SH
HERSHEY FOODS CORP. COMMON STOCK 427866108 2187 43311 SH
HERSHEY FOODS CORP. COMMON STOCK 427866108 423 8368 SH
HERTZ CORP COMMON STOCK 428040109 265 6100 SH
HERTZ CORP COMMON STOCK 428040109 8 175 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 12977 174920 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 208 2800 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 1265 17050 SH
HOME DEPOT INC. COMMON STOCK 437076102 5106 67411 SH
HOME DEPOT INC. COMMON STOCK 437076102 129 1700 SH
HOME DEPOT INC. COMMON STOCK 437076102 888 11725 SH
HONEYWELL INC COMMON STOCK 438506107 357 3385 SH
HONEYWELL INC COMMON STOCK 438506107 232 2200 SH
HOUSEHOLD INTERNATIONAL INC. COMMON STOCK 441815107 426 9545 SH
HOUSEHOLD INTERNATIONAL INC. COMMON STOCK 441815107 137 3066 SH
HUBBELL INC. COMMON STOCK 443510201 206 7436 SH
HUBBELL INC. COMMON STOCK 443510201 174 6296 SH
IDEXX LABS, INC. COMMON STOCK 45168D104 529 35000 SH
INTEL CORP COMMON STOCK 458140100 32321 417382 SH
INTEL CORP COMMON STOCK 458140100 372 4800 SH
INTEL CORP COMMON STOCK 458140100 5535 71480 SH
INTERNATIONAL BUSINESS MACHINES COMMON STOCK 459200101 29685 302133 SH
INTERNATIONAL BUSINESS MACHINES COMMON STOCK 459200101 182 1850 SH
INTERNATIONAL BUSINESS MACHINES COMMON STOCK 459200101 3837 39056 SH
INTERNATIONAL PAPER CO COMMON STOCK 460146103 417 7916 SH
INTERNATIONAL PAPER CO COMMON STOCK 460146103 346 6572 SH
INTERNET CAP GROUP INC COMMON STOCK 46059C106 233 2000 SH
INTERPUBLIC GROUP COS INC COMMON STOCK 460690100 1499 36904 SH
INTERPUBLIC GROUP COS INC COMMON STOCK 460690100 410 10102 SH
INTERSTATE BAKERIES COMMON STOCK 46072H108 203 10000 SH
INTERSYSTEMS, INC. COMMON STOCK 460920101 6 10000 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 33216 317101 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 869 8300 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 8841 84399 SH
JOHNSON CONTROLS INC COMMON STOCK 478366107 6582 107905 SH
JOHNSON CONTROLS INC COMMON STOCK 478366107 49 800 SH
JOHNSON CONTROLS INC COMMON STOCK 478366107 1220 20002 SH
JONES APPAREL COMMON STOCK 480074103 615 19441 SH
JONES APPAREL COMMON STOCK 480074103 3 96 SH
KANSAS CITY SOUTHERN IND INC COMMON STOCK 485170104 324 6840 SH
KANSAS CITY SOUTHERN IND INC COMMON STOCK 485170104 47 1000 SH
KEYCORP COMMON STOCK 493267108 154 5518 SH
KEYCORP COMMON STOCK 493267108 64 2282 SH
KIMBERLY CLARK COMMON STOCK 494368103 6153 97659 SH
KIMBERLY CLARK COMMON STOCK 494368103 44 700 SH
KIMBERLY CLARK COMMON STOCK 494368103 1266 20097 SH
LEGATO SYSTEMS INC COMMON STOCK 524651106 511 9500 SH
ELI LILLY & CO. COMMON STOCK 532457108 1473 21390 SH
ELI LILLY & CO. COMMON STOCK 532457108 41 600 SH
ELI LILLY & CO. COMMON STOCK 532457108 627 9100 SH
LOWE'S COMPANIES INC COMMON STOCK 548661107 207 3730 SH
LOWE'S COMPANIES INC COMMON STOCK 548661107 17 300 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 42249 657570 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 557 8668 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 7475 116347 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 4042 47107 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 21 250 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 240 2793 SH
MARSH & MCLENNAN COMMON STOCK 571748102 1554 19653 SH
MARRIOTT INTL' INC. NEW COMMON STOCK 571903202 1529 45400 SH
MARRIOTT INTL' INC. NEW COMMON STOCK 571903202 20 600 SH
MAY DEPARTMENT STORES COMMON STOCK 577778103 863 24882 SH
MAY DEPARTMENT STORES COMMON STOCK 577778103 21 600 SH
MAY DEPARTMENT STORES COMMON STOCK 577778103 243 7011 SH
MCDONALDS CORP. COMMON STOCK 580135101 10417 252532 SH
MCDONALDS CORP. COMMON STOCK 580135101 338 8200 SH
MCDONALDS CORP. COMMON STOCK 580135101 1421 34460 SH
MCGRAW-HILL, INC. COMMON STOCK 580645109 308 5168 SH
MCGRAW-HILL, INC. COMMON STOCK 580645109 274 4600 SH
MEAD CORP. COMMON STOCK 582834107 409 11350 SH
MEAD CORP. COMMON STOCK 582834107 184 5100 SH
MEDIAONE GROUP INC. COMMON STOCK 58440J104 5820 81824 SH
MEDIAONE GROUP INC. COMMON STOCK 58440J104 552 7763 SH
MEDIAONE GROUP INC. PREFERRED STOCK 58440J203 3131 22284 SH
MEDIAONE GROUP INC. PREFERRED STOCK 58440J203 61 435 SH
MEDTRONIC INC COMMON STOCK 585055106 2718 79056 SH
MEDTRONIC INC COMMON STOCK 585055106 34 1000 SH
MEDTRONIC INC COMMON STOCK 585055106 516 15000 SH
MERCK & CO., INC. COMMON STOCK 589331107 29400 369521 SH
MERCK & CO., INC. COMMON STOCK 589331107 772 9700 SH
MERCK & CO., INC. COMMON STOCK 589331107 8144 102363 SH
MERRILL LYNCH & CO. INC. COMMON STOCK 590188108 471 6005 SH
MERRILL LYNCH & CO. INC. COMMON STOCK 590188108 479 6100 SH
MICROSOFT CORP COMMON STOCK 594918104 29084 314207 SH
MICROSOFT CORP COMMON STOCK 594918104 319 3450 SH
MICROSOFT CORP COMMON STOCK 594918104 5141 55540 SH
MINNESOTA MINING & MFG CO. COMMON STOCK 604059105 7933 83450 SH
MINNESOTA MINING & MFG CO. COMMON STOCK 604059105 390 4100 SH
MINNESOTA MINING & MFG CO. COMMON STOCK 604059105 1492 15692 SH
MOBIL CORP. COMMON STOCK 607059102 11035 113907 SH
MOBIL CORP. COMMON STOCK 607059102 39 400 SH
MOBIL CORP. COMMON STOCK 607059102 4889 50472 SH
MONSANTO CO COMMON STOCK 611662107 2146 55736 SH
MONSANTO CO COMMON STOCK 611662107 145 3775 SH
MONSANTO CO COMMON STOCK 611662107 1142 29666 SH
J P MORGAN & CO COMMON STOCK 616880100 5151 39355 SH
J P MORGAN & CO COMMON STOCK 616880100 242 1850 SH
J P MORGAN & CO COMMON STOCK 616880100 3399 25970 SH
MORGAN STANLEY COMMON STOCK 617446448 4163 37738 SH
MORGAN STANLEY COMMON STOCK 617446448 439 3980 SH
MOTOROLA INC COMMON STOCK 620076109 1698 17453 SH
MOTOROLA INC COMMON STOCK 620076109 73 750 SH
MOTOROLA INC COMMON STOCK 620076109 506 5200 SH
NATIONAL CITY CORP. COMMON STOCK 635405103 923 31290 SH
NATIONAL CITY CORP. COMMON STOCK 635405103 30 1000 SH
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 10 200 SH
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 250 5116 SH
NEW ENGLAND ELECTRIC SYS COMMON STOCK 644001109 425 8172 SH
NEW ENGLAND ELECTRIC SYS COMMON STOCK 644001109 214 4110 SH
NEW YORK TIMES COMMON STOCK 650111107 2603 64675 SH
NEW YORK TIMES COMMON STOCK 650111107 48 1200 SH
NEWELL RUBBERMAID INC COMMON STOCK 651229106 186 5382 SH
NEWELL RUBBERMAID INC COMMON STOCK 651229106 24 700 SH
NIKE, INC. CLASS B COMMON STOCK 654106103 252 4500 SH
NISOURCE INC COMMON STOCK 65473P105 133 6464 SH
NISOURCE INC COMMON STOCK 65473P105 93 4552 SH
NORFOLK SOUTHERN CORP. COMMON STOCK 655844108 2006 82105 SH
NORFOLK SOUTHERN CORP. COMMON STOCK 655844108 110 4500 SH
NORFOLK SOUTHERN CORP. COMMON STOCK 655844108 627 25649 SH
NORTEL NETWORKS CORP COMMON STOCK 656569100 105 1690 SH
NORTEL NETWORKS CORP COMMON STOCK 656569100 265 4275 SH
NORTHERN STATES PWR CO COMMON STOCK 665772109 171 7950 SH
NORTHERN STATES PWR CO COMMON STOCK 665772109 99 4600 SH
NSTAR COM COMMON STOCK 67019E107 404 10621 SH
NSTAR COM COMMON STOCK 67019E107 101 2658 SH
NUVEEN MUNICIPAL VALUE FUND TAX EXEMPT FUND 670928100 129 15000 PRN
NUVEEN MUNICIPAL VALUE FUND TAX EXEMPT FUND 670928100 33 3800 PRN
OMNICOM GROUP COMMON STOCK 681919106 290 3300 SH
OMNICOM GROUP COMMON STOCK 681919106 4 48 SH
ORACLE SYSTEMS CORP. COMMON STOCK 68389X105 3357 70575 SH
ORACLE SYSTEMS CORP. COMMON STOCK 68389X105 113 2385 SH
OWENS ILLINOIS INC. COMMON STOCK 690768403 631 26350 SH
PLC SYSTEMS, INC COMMON STOCK 69341D104 169 66100 SH
PNC BANK CORP COMMON STOCK 693475105 1799 30176 SH
PNC BANK CORP COMMON STOCK 693475105 78 1300 SH
PPG INDUSTRIES, INC. COMMON STOCK 693506107 1230 20295 SH
PPG INDUSTRIES, INC. COMMON STOCK 693506107 146 2400 SH
PPG INDUSTRIES, INC. COMMON STOCK 693506107 239 3950 SH
PARK PLACE ENTERTAINMENT CORP COMMON STOCK 700690100 39 3000 SH
PARK PLACE ENTERTAINMENT CORP COMMON STOCK 700690100 100 7600 SH
PEOPLE'S HERITAGE FINANCIAL GRP COMMON STOCK 711147108 494 25980 SH
PEOPLE'S HERITAGE FINANCIAL GRP COMMON STOCK 711147108 889 46812 SH
PEPSICO INC COMMON STOCK 713448108 6683 192649 SH
PEPSICO INC COMMON STOCK 713448108 10 300 SH
PEPSICO INC COMMON STOCK 713448108 3043 87733 SH
PFIZER INC COMMON STOCK 717081103 6279 158201 SH
PFIZER INC COMMON STOCK 717081103 32 800 SH
PFIZER INC COMMON STOCK 717081103 2587 65179 SH
PHILIP MORRIS COS INC. COMMON STOCK 718154107 1239 49187 SH
PHILIP MORRIS COS INC. COMMON STOCK 718154107 60 2400 SH
PHILIP MORRIS COS INC. COMMON STOCK 718154107 510 20250 SH
PHILLIPS PETROLEUM CO COMMON STOCK 718507106 1201 25835 SH
PHILLIPS PETROLEUM CO COMMON STOCK 718507106 70 1500 SH
PHILLIPS PETROLEUM CO COMMON STOCK 718507106 92 1974 SH
PILGRIM PRIME RATE TR NEW FIXED INCOME FU 72146W103 28 3000 SH
PILGRIM PRIME RATE TR NEW FIXED INCOME FU 72146W103 74 7800 SH
PITNEY BOWES COMMON STOCK 724479100 2788 61192 SH
PITNEY BOWES COMMON STOCK 724479100 1038 22775 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 16140 153901 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 844 8050 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 6336 60412 SH
PROVIDIAN FINANCIAL CORP COMMON STOCK 74406A102 580 5325 SH
PROVIDIAN FINANCIAL CORP COMMON STOCK 74406A102 49 450 SH
QUADRAX CORP COMMON STOCK 746905405 0 15800 SH
QUAKER OATS CO. COMMON STOCK 747402105 411 5875 SH
QUAKER OATS CO. COMMON STOCK 747402105 49 700 SH
QUAKER OATS CO. COMMON STOCK 747402105 872 12460 SH
QUALCOMM CORP COMMON STOCK 747525103 306 1375 SH
QUALCOMM CORP COMMON STOCK 747525103 200 900 SH
QUALCOMM CORP COMMON STOCK 747525103 22 100 SH
RGS ENERGY GROUP INC COMMON STOCK 74956K104 365 14650 SH
RGS ENERGY GROUP INC COMMON STOCK 74956K104 30 1200 SH
RAYTHEON CO. COMMON STOCK 755111408 980 33490 SH
RAYTHEON CO. COMMON STOCK 755111408 69 2350 SH
RAYTHEON CO. COMMON STOCK 755111408 592 20250 SH
ROCKWELL INTL CORP COMMON STOCK 773903109 279 5765 SH
ROCKWELL INTL CORP COMMON STOCK 773903109 75 1550 SH
ROCKWELL INTL CORP COMMON STOCK 773903109 145 3000 SH
ROHM & HAAS INC. COMMON STOCK 775371107 1482 38757 SH
ROHM & HAAS INC. COMMON STOCK 775371107 201 5247 SH
ROSS STORES INC COMMON STOCK 778296103 485 23500 SH
ROSS STORES INC COMMON STOCK 778296103 54 2600 SH
ROYAL DUTCH PETROLEUM CO. FOREIGN STOCK 780257804 1751 29221 SH
ROYAL DUTCH PETROLEUM CO. FOREIGN STOCK 780257804 898 14988 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 8027 157771 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 66 1300 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 3877 76206 SH
SAFEWAY INC. COMMON STOCK 786514208 2743 77682 SH
SAFEWAY INC. COMMON STOCK 786514208 56 1575 SH
SARA LEE CORP COMMON STOCK 803111103 2194 81080 SH
SARA LEE CORP COMMON STOCK 803111103 11 400 SH
SARA LEE CORP COMMON STOCK 803111103 179 6600 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 13514 273000 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 126 2550 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 2712 54795 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 789 13025 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 450 7438 SH
SCIENTIFIC-ATLANTA, INC. COMMON STOCK 808655104 344 6015 SH
SCIENTIFIC-ATLANTA, INC. COMMON STOCK 808655104 21 360 SH
SEAGATE TECHNOLOGY COMMON STOCK 811804103 245 8325 SH
SEAGATE TECHNOLOGY COMMON STOCK 811804103 24 800 SH
SEAGRAM COMPANY LTD. FOREIGN STOCK 811850106 103 2100 SH
SEAGRAM COMPANY LTD. FOREIGN STOCK 811850106 172 3500 SH
SEARS ROEBUCK & CO COMMON STOCK 812387108 404 14334 SH
SEARS ROEBUCK & CO COMMON STOCK 812387108 37 1300 SH
SEARS ROEBUCK & CO COMMON STOCK 812387108 105 3736 SH
SELFCARE INC COMMON STOCK 81631R107 28 10000 SH
SEMPRA ENERGY COMMON STOCK 816851109 620 30346 SH
SHERWIN-WILLIAMS COMPANY COMMON STOCK 824348106 171 7650 SH
SHERWIN-WILLIAMS COMPANY COMMON STOCK 824348106 36 1600 SH
SMITHKLINE BEECHAM COMMON STOCK 832378301 70 1091 SH
SMITHKLINE BEECHAM COMMON STOCK 832378301 256 4000 SH
SOLECTRON CORP COMMON STOCK 834182107 427 5680 SH
SOLUTIA INC COMMON STOCK 834376105 370 21555 SH
SOLUTIA INC COMMON STOCK 834376105 17 1000 SH
SOLUTIA INC COMMON STOCK 834376105 49 2823 SH
SOUTHDOWN INC. COMMON STOCK 841297104 531 11000 SH
SOUTHDOWN INC. COMMON STOCK 841297104 1 21 SH
SOUTHERN CO COMMON STOCK 842587107 164 6162 SH
SOUTHERN CO COMMON STOCK 842587107 69 2600 SH
SOUTHERN CO COMMON STOCK 842587107 170 6400 SH
SOUTHWEST AIRLINES COMMON STOCK 844741108 140 8320 SH
SOUTHWEST AIRLINES COMMON STOCK 844741108 41 2458 SH
SPRINT CORPORATION COM COMMON STOCK 852061100 3828 51342 SH
SPRINT CORPORATION COM COMMON STOCK 852061100 298 4000 SH
SPRINT CORPORATION COM COMMON STOCK 852061506 613 7388 SH
SPRINT CORPORATION COM COMMON STOCK 852061506 133 1600 SH
STANLEY WORKS COMMON STOCK 854616109 58 2100 SH
STANLEY WORKS COMMON STOCK 854616109 165 5952 SH
STATE STREET CORP COMMON STOCK 857477103 1632 21440 SH
STATE STREET CORP COMMON STOCK 857477103 834 10950 SH
SUN MICROSYSTEMS INC. COMMON STOCK 866810104 8327 78700 SH
SUN MICROSYSTEMS INC. COMMON STOCK 866810104 21 200 SH
SUN MICROSYSTEMS INC. COMMON STOCK 866810104 900 8510 SH
SYSCO CORP. COMMON STOCK 871829107 269 7000 SH
SYSCO CORP. COMMON STOCK 871829107 319 8300 SH
TECO ENERGY INC. COMMON STOCK 872375100 302 13688 SH
TECO ENERGY INC. COMMON STOCK 872375100 265 12000 SH
TJX COMPANIES COMMON STOCK 872540109 3630 133815 SH
TJX COMPANIES COMMON STOCK 872540109 74 2712 SH
TJX COMPANIES COMMON STOCK 872540109 135 4964 SH
TRW INC. COMMON STOCK 872649108 734 17126 SH
TRW INC. COMMON STOCK 872649108 323 7532 SH
TANDY CORP. COMMON STOCK 875382103 252 4000 SH
TANDY CORP. COMMON STOCK 875382103 6 94 SH
TELLABS INC COMMON STOCK 879664100 4740 74933 SH
TELLABS INC COMMON STOCK 879664100 38 600 SH
TELLABS INC COMMON STOCK 879664100 209 3300 SH
TEXACO INC COMMON STOCK 881694103 3059 49838 SH
TEXACO INC COMMON STOCK 881694103 166 2700 SH
TEXACO INC COMMON STOCK 881694103 1057 17220 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 1917 21354 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 2393 26665 SH
TEXAS UTILITIES CO COMMON STOCK 882848104 105 2700 SH
TEXAS UTILITIES CO COMMON STOCK 882848104 40 1025 SH
TEXAS UTILITIES CO COMMON STOCK 882848104 84 2180 SH
TEXTRON INC COMMON STOCK 883203101 1855 24036 SH
TEXTRON INC COMMON STOCK 883203101 285 3698 SH
TIDEWATER INC COMMON STOCK 886423102 604 20125 SH
TIDEWATER INC COMMON STOCK 886423102 9 300 SH
TIDEWATER INC COMMON STOCK 886423102 18 585 SH
TIME WARNER, INC. COMMON STOCK 887315109 631 9085 SH
TIME WARNER, INC. COMMON STOCK 887315109 7 100 SH
TIME WARNER, INC. COMMON STOCK 887315109 602 8665 SH
TIMES MIRROR CO COMMON STOCK 887364107 177 2455 SH
TIMES MIRROR CO COMMON STOCK 887364107 29 400 SH
TORONTO DOMINION BANK FOREIGN STOCK 891160509 383 16600 SH
TRICON GLOBAL RESTAURANTS COMMON STOCK 895953107 126 3145 SH
TRICON GLOBAL RESTAURANTS COMMON STOCK 895953107 148 3680 SH
TRIBUNE CO NEW COMMON STOCK 896047107 2628 43800 SH
TYCO INTL LTD COMMON STOCK 902124106 6276 156414 SH
TYCO INTL LTD COMMON STOCK 902124106 52 1300 SH
TYCO INTL LTD COMMON STOCK 902124106 1344 33492 SH
UAL CORP COMMON STOCK 902549500 977 14350 SH
UAL CORP COMMON STOCK 902549500 54 800 SH
UNAPIX ENTERTAINMENT INC. COMMON STOCK 904270105 65 34498 SH
UNION PACIFIC CORP COMMON STOCK 907818108 1343 24091 SH
UNION PACIFIC CORP COMMON STOCK 907818108 655 11740 SH
UNION PACIFIC RES GROUP INC COMMON STOCK 907834105 107 7358 SH
UNION PACIFIC RES GROUP INC COMMON STOCK 907834105 72 4960 SH
UNITED STATES CELLULAR CORP COMMON STOCK 911684108 354 4000 SH
US WEST INC NEW COMMON STOCK 91273H101 538 8816 SH
US WEST INC NEW COMMON STOCK 91273H101 337 5513 SH
US TRUST CORP COMMON STOCK 91288L105 302 3718 SH
US TRUST CORP COMMON STOCK 91288L105 83 1018 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 10866 179601 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 64 1050 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 1178 19463 SH
UNITIL CORP. COMMON COMMON STOCK 913259107 276 10180 SH
UNITIL CORP. COMMON COMMON STOCK 913259107 779 28726 SH
UNOCAL CORP. COMMON STOCK 915289102 236 6828 SH
UNOCAL CORP. COMMON STOCK 915289102 84 2425 SH
UNUMPROVIDENT CORP COMMON STOCK 91529Y106 180 5460 SH
UNUMPROVIDENT CORP COMMON STOCK 91529Y106 370 11224 SH
US FREIGHTWAYS CORP COMMON STOCK 916906100 299 6600 SH
V F CORP. COMMON STOCK 918204108 304 10120 SH
V F CORP. COMMON STOCK 918204108 6 200 SH
V F CORP. COMMON STOCK 918204108 77 2548 SH
VALASSIS COMMUNICATIONS INC COMMON STOCK 918866104 258 6000 SH
VALASSIS COMMUNICATIONS INC COMMON STOCK 918866104 2 57 SH
VODAFONE AIRTOUCH PLC COMMON STOCK 92857T107 911 19130 SH
VODAFONE AIRTOUCH PLC COMMON STOCK 92857T107 24 500 SH
VODAFONE AIRTOUCH PLC COMMON STOCK 92857T107 628 13190 SH
WAL-MART STORES COMMON STOCK 931142103 22124 390279 SH
WAL-MART STORES COMMON STOCK 931142103 1091 19243 SH
WALGREEN COMPANY COMMON STOCK 931422109 285 11300 SH
WALGREEN COMPANY COMMON STOCK 931422109 8 300 SH
WALGREEN COMPANY COMMON STOCK 931422109 102 4060 SH
WARNER-LAMBERT CO COMMON STOCK 934488107 3359 42088 SH
WARNER-LAMBERT CO COMMON STOCK 934488107 8 100 SH
WARNER-LAMBERT CO COMMON STOCK 934488107 3394 42526 SH
WASHINGTON TRUST BANCORP., INC. COMMON STOCK 940610108 213 11893 SH
WASHINGTON TRUST BANCORP., INC. COMMON STOCK 940610108 1416 79210 SH
WATSON PHARMACEUTICAL INC COMMON STOCK 942683103 792 24960 SH
WATSON PHARMACEUTICAL INC COMMON STOCK 942683103 21 650 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 976 20394 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 41 850 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 214 4460 SH
WILLIAMS COMPANIES INC COMMON STOCK 969457100 6085 162278 SH
WILLIAMS COMPANIES INC COMMON STOCK 969457100 219 5850 SH
WILLIAMS COMPANIES INC COMMON STOCK 969457100 1860 49604 SH
WISCONSIN ENERGY CORP. COMMON STOCK 976657106 282 12586 SH
WISCONSIN ENERGY CORP. COMMON STOCK 976657106 119 5325 SH
XEROX CORP COMMON STOCK 984121103 144 5086 SH
XEROX CORP COMMON STOCK 984121103 142 5000 SH
XYBERNAUT CORP COMMON STOCK 984149104 44 20000 SH
DAIMLERCHRYSLER AG COMMON STOCK D1668R123 1663 21386 SH
DAIMLERCHRYSLER AG COMMON STOCK D1668R123 10 124 SH
DAIMLERCHRYSLER AG COMMON STOCK D1668R123 402 5176 SH
TOMMY HILFIGER COMMON STOCK G8915Z102 1504 52767 SH
TOMMY HILFIGER COMMON STOCK G8915Z102 69 2422 SH
ABINGTON BANCORP COMMON STOCK 00350P100 425 33700 SH
BOSTONFED BANCORP INC. COMMON STOCK 101178101 1143 75600 SH
FIRST FED OF EAST HARTFORD COMMON STOCK 319944104 716 24800 SH
FIRST ESSEX BANCORP INC. COMMON STOCK 320103104 1175 72700 SH
GRANITE STATE BANKSHARES, INC. COMMON STOCK 387472103 2144 100000 SH
HOTJOBS.COM,LTD. COMMON STOCK 441474103 43 5326 SH
INDEPENDENT BANK CORP. COMMON STOCK 453836108 930 71500 SH
IVILLAGE INC. COMMON STOCK 46588H105 29 3820 SH
NEW ENGLAND COMMUNITY BNCP COMMON STOCK 643890106 2756 105000 SH
SEACOAST FINANCIAL SERVICES COMMON STOCK 81170Q106 1258 125832 SH
NAME OF ISSUER INVSTMT OTHER VOTING AUTHORITY
SECURITY NAME DISCRTN MANAGERS SOLE SHARED NONE
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A T & T SOLE 2150
A T & T DEFINED 3400
A T & T DEFINED 9 2790
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ABBOTT LABORATORIES SOLE 145989
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ABBOTT LABORATORIES OTHER 4000
ABBOTT LABORATORIES OTHER 12 2000
ADOBE SYS INC SOLE 9782
ADOBE SYS INC SOLE 300
ADOBE SYS INC OTHER 80
AETNA INC. SOLE 3955
AETNA INC. OTHER 2812
AIR PRODUCTS & CHEMICALS INC SOLE 29746
AIR PRODUCTS & CHEMICALS INC OTHER 7000
ALBERTSONS INC. SOLE 7672
ALBERTSONS INC. OTHER 9400
ALCOA INC SOLE 11654
ALCOA INC DEFINED 800
ALCOA INC OTHER 2700
ALLEGHENY ENERGY INC SOLE 3220
ALLEGHENY ENERGY INC SOLE 600
ALLEGHENY ENERGY INC OTHER 3560
ALLERGAN, INC SOLE 17882
ALLERGAN, INC SOLE 100
ALLERGAN, INC OTHER 400
ALLIED SIGNAL INC SOLE 147821
ALLIED SIGNAL INC SOLE 16600
ALLIED SIGNAL INC DEFINED 3800
ALLIED SIGNAL INC OTHER 14402
ALLSTATE CORP SOLE 22191
ALLSTATE CORP OTHER 4930
ALLTEL CORPORATION SOLE 20640
ALLTEL CORPORATION SOLE 150
ALLTEL CORPORATION OTHER 3951
ALLTEL CORPORATION OTHER 1800
AMERICA ONLINE INC SOLE 3715
AMERICA ONLINE INC OTHER 1850
AMERICAN EXPRESS CO SOLE 164124
AMERICAN EXPRESS CO SOLE 9024
AMERICAN EXPRESS CO DEFINED 1400
AMERICAN EXPRESS CO OTHER 7197
AMERICAN EXPRESS CO OTHER 12 2000
AMERICAN GENERAL CORP. SOLE 2760
AMERICAN HOME PRODUCTS CORP. SOLE 109132
AMERICAN HOME PRODUCTS CORP. SOLE 10575
AMERICAN HOME PRODUCTS CORP. DEFINED 3400
AMERICAN HOME PRODUCTS CORP. DEFINED 9 7000
AMERICAN HOME PRODUCTS CORP. OTHER 81748
AMERICAN HOME PRODUCTS CORP. OTHER 400
AMERICAN HOME PRODUCTS CORP. OTHER 12 1600
AMERICAN INTERNATIONAL GROUP SOLE 266079
AMERICAN INTERNATIONAL GROUP SOLE 125
AMERICAN INTERNATIONAL GROUP DEFINED 4975
AMERICAN INTERNATIONAL GROUP DEFINED 9 4428
AMERICAN INTERNATIONAL GROUP OTHER 302028
AMERICAN INTERNATIONAL GROUP OTHER 2761
AMERICAN INTERNATIONAL GROUP OTHER 12 843
AMERICAN POWER CONVERSION SOLE 10400
AMERICAN POWER CONVERSION OTHER 8600
AMGEN INC. SOLE 29515
AMGEN INC. SOLE 150
AMGEN INC. DEFINED 400
AMGEN INC. OTHER 5575
ANHEUSER-BUSCH COMPANIES, INC. SOLE 172970
ANHEUSER-BUSCH COMPANIES, INC. SOLE 150
ANHEUSER-BUSCH COMPANIES, INC. DEFINED 1400
ANHEUSER-BUSCH COMPANIES, INC. OTHER 17353
AON CORP SOLE 8152
APPLIED MATERIALS INC SOLE 5645
APPLIED MATERIALS INC OTHER 925
ARGUSS HLDGS INC SOLE 748813
ARMSTRONG WORLD IND. SOLE 9800
ARMSTRONG WORLD IND. DEFINED 500
ARMSTRONG WORLD IND. DEFINED 9 1000
ARMSTRONG WORLD IND. OTHER 1200
ASSOCIATES FIRST CAPITAL CORP SOLE 5730
ASSOCIATES FIRST CAPITAL CORP DEFINED 200
ASSOCIATES FIRST CAPITAL CORP OTHER 1880
ATLANTIC RICHFIELD CO SOLE 24375
ATLANTIC RICHFIELD CO DEFINED 500
ATLANTIC RICHFIELD CO DEFINED 9 1180
ATLANTIC RICHFIELD CO OTHER 14011
AUTOMATIC DATA PROCESSING INC. SOLE 197555
AUTOMATIC DATA PROCESSING INC. SOLE 32200
AUTOMATIC DATA PROCESSING INC. DEFINED 11400
AUTOMATIC DATA PROCESSING INC. OTHER 64311
AUTOMATIC DATA PROCESSING INC. OTHER 2400
AVERY DENNISON CORP. SOLE 38291
AVERY DENNISON CORP. SOLE 150
AVERY DENNISON CORP. DEFINED 200
AVERY DENNISON CORP. OTHER 7926
AVNET, INC. SOLE 9460
AVNET, INC. OTHER 1550
BCE INC. SOLE 6252
BP AMOCO PLC SOLE 143186
BP AMOCO PLC DEFINED 3200
BP AMOCO PLC OTHER 30042
BMC SOFTWARE SOLE 2745
BMC SOFTWARE DEFINED 342
BMC SOFTWARE OTHER 64
BANK OF AMERICA CORP SOLE 188430
BANK OF AMERICA CORP SOLE 10600
BANK OF AMERICA CORP DEFINED 1700
BANK OF AMERICA CORP OTHER 17145
BANK OF AMERICA CORP OTHER 100
BANK OF NEW YORK CO. INC SOLE 4648
BANK OF NEW YORK CO. INC OTHER 19752
BANK ONE CORP SOLE 4753
BANK ONE CORP OTHER 4140
BAXTER INTERNATIONAL INC. SOLE 4253
BAXTER INTERNATIONAL INC. OTHER 2113
BECTON DICKINSON & CO SOLE 14005
BECTON DICKINSON & CO DEFINED 1110
BECTON DICKINSON & CO OTHER 4000
BELL ATLANTIC CORP. SOLE 346636
BELL ATLANTIC CORP. SOLE 3175
BELL ATLANTIC CORP. DEFINED 7724
BELL ATLANTIC CORP. DEFINED 9 4600
BELL ATLANTIC CORP. OTHER 77561
BELL ATLANTIC CORP. OTHER 1350
BELLSOUTH CORPORATION SOLE 153653
BELLSOUTH CORPORATION SOLE 150
BELLSOUTH CORPORATION DEFINED 3350
BELLSOUTH CORPORATION OTHER 63008
BELLSOUTH CORPORATION OTHER 1500
A H BELO CORP SOLE 126000
A H BELO CORP OTHER 120
BERKSHIRE HATHAWAY DEL SOLE 47
BERKSHIRE HATHAWAY DEL DEFINED 9 36
BERKSHIRE HATHAWAY DEL OTHER 532
BESTFOODS SOLE 44400
BESTFOODS DEFINED 9 1900
BESTFOODS OTHER 12094
BIOGEN, INC. SOLE 7350
BIOGEN, INC. SOLE 200
BIOGEN, INC. OTHER 975
BIOGEN, INC. OTHER 400
BOEING CO. SOLE 35280
BOEING CO. DEFINED 2481
BOEING CO. DEFINED 9 500
BOEING CO. OTHER 11912
BOISE CASCADE CORP. SOLE 6113
BOISE CASCADE CORP. OTHER 1015
BRIGGS & STRATTON CORP SOLE 14044
BRIGGS & STRATTON CORP OTHER 6750
BRISTOL-MYERS SQUIBB CO. SOLE 358990
BRISTOL-MYERS SQUIBB CO. SOLE 2400
BRISTOL-MYERS SQUIBB CO. DEFINED 4450
BRISTOL-MYERS SQUIBB CO. OTHER 99858
BRISTOL-MYERS SQUIBB CO. OTHER 500
BRISTOL-MYERS SQUIBB CO. OTHER 12 1600
BROWN & SHARPE MFG CO OTHER 10000
BURLINGTON NORTHERN SOLE 10715
BURLINGTON NORTHERN DEFINED 10
BURLINGTON NORTHERN OTHER 3670
CBS CORP SOLE 14007
CBS CORP SOLE 225
CBS CORP OTHER 4808
CIGNA SOLE 105625
CIGNA SOLE 7500
CIGNA OTHER 1375
CVS CORP SOLE 45554
CVS CORP DEFINED 300
CVS CORP OTHER 10600
CVS CORP OTHER 12 700
CAMPBELL SOUP CO SOLE 13650
CAMPBELL SOUP CO SOLE 2800
CAMPBELL SOUP CO OTHER 8200
CANANDAIGUA BRANDS INC SOLE 6792
CARNIVAL CRUISE SOLE 82675
CARNIVAL CRUISE SOLE 150
CARNIVAL CRUISE OTHER 5850
CARPENTER TECHNOLOGY CORP. SOLE 9700
CARPENTER TECHNOLOGY CORP. DEFINED 550
CARPENTER TECHNOLOGY CORP. OTHER 550
CATERPILLAR TRACTOR CO SOLE 106305
CATERPILLAR TRACTOR CO OTHER 200
CENTRAL & SOUTH WEST CORP SOLE 6300
CENTRAL & SOUTH WEST CORP OTHER 3932
CHASE MANHATTAN CORP SOLE 85287
CHASE MANHATTAN CORP SOLE 100
CHASE MANHATTAN CORP OTHER 12733
CHEVRON CORP SOLE 188658
CHEVRON CORP SOLE 550
CHEVRON CORP DEFINED 450
CHEVRON CORP OTHER 31902
CIRCUIT CITY STORES SOLE 59500
CIRCUIT CITY STORES OTHER 100
CIRCUIT CITY STORES OTHER 1776
CISCO SYSTEMS SOLE 168105
CISCO SYSTEMS SOLE 200
CISCO SYSTEMS DEFINED 950
CISCO SYSTEMS OTHER 30663
CITIGROUP INC SOLE 319175
CITIGROUP INC SOLE 8887
CITIGROUP INC DEFINED 1758
CITIGROUP INC OTHER 34482
CITIGROUP INC OTHER 12 1512
CLOROX CO. SOLE 114266
CLOROX CO. DEFINED 450
CLOROX CO. OTHER 16200
COCA-COLA CO. SOLE 232246
COCA-COLA CO. SOLE 8800
COCA-COLA CO. DEFINED 3500
COCA-COLA CO. OTHER 118623
COCA-COLA CO. OTHER 2000
COCA-COLA CO. OTHER 12 4000
COLGATE-PALMOLIVE CO. SOLE 42934
COLGATE-PALMOLIVE CO. SOLE 3400
COLGATE-PALMOLIVE CO. DEFINED 200
COLGATE-PALMOLIVE CO. OTHER 26500
COMERICA INC. SOLE 4403
COMERICA INC. OTHER 2850
COMPAQ COMPUTER SOLE 122613
COMPAQ COMPUTER SOLE 200
COMPAQ COMPUTER DEFINED 1000
COMPAQ COMPUTER OTHER 7551
COMPAQ COMPUTER OTHER 12 1000
COMPUWARE CORPORATION SOLE 10470
COMPUWARE CORPORATION DEFINED 808
COMPUWARE CORPORATION OTHER 330
COMVERSE TECHNOLOGY INC. SOLE 3346
COMVERSE TECHNOLOGY INC. OTHER 48
CONEXANT SYSTEMS INC SOLE 2000
CONEXANT SYSTEMS INC DEFINED 9 625
CONEXANT SYSTEMS INC OTHER 875
CONOCO INC. SOLE 35748
CONOCO INC. SOLE 2211
CONOCO INC. DEFINED 7002
CONOCO INC. OTHER 17677
CONSECO INC SOLE 36789
CONSECO INC SOLE 300
CONSECO INC DEFINED 1074
CONSECO INC OTHER 2711
CONSOLIDATED EDISON INC. SOLE 3213
CONSOLIDATED EDISON INC. OTHER 5100
CONSOLIDATED NATURAL GAS CO SOLE 7610
CONSOLIDATED NATURAL GAS CO OTHER 701
CONSTELLATION ENERGY CORP SOLE 7800
CONSTELLATION ENERGY CORP SOLE 175
CORNING INCORPORATED SOLE 3878
CORNING INCORPORATED SOLE 150
CORNING INCORPORATED OTHER 3900
COUNTRYWIDE CREDIT INDS INC SOLE 16772
COUNTRYWIDE CREDIT INDS INC DEFINED 450
COUNTRYWIDE CREDIT INDS INC OTHER 1000
DQE INC. SOLE 14900
DQE INC. OTHER 2466
DANA CORP. SOLE 9222
DANA CORP. DEFINED 9 4088
DANA CORP. OTHER 2791
DAYTON-HUDSON SOLE 6925
DAYTON-HUDSON SOLE 150
DAYTON-HUDSON OTHER 4175
DELL COMPUTER SOLE 137158
DELL COMPUTER DEFINED 1300
DELL COMPUTER OTHER 17925
DELL COMPUTER OTHER 600
DELPHI AUTOMOTIVE SYS CORP SOLE 3623
DELPHI AUTOMOTIVE SYS CORP SOLE 285
DELPHI AUTOMOTIVE SYS CORP DEFINED 335
DELPHI AUTOMOTIVE SYS CORP OTHER 6309
DIAL CORP NEW SOLE 27250
DIAL CORP NEW OTHER 3300
DIEBOLD, INC. SOLE 5239
DIEBOLD, INC. OTHER 10840
WALT DISNEY CO. SOLE 194455
WALT DISNEY CO. SOLE 10900
WALT DISNEY CO. DEFINED 13800
WALT DISNEY CO. OTHER 29950
WALT DISNEY CO. OTHER 1020
DONALDSON LUFKIN & JENRETTE SOLE 6650
RR DONNELLEY & SONS SOLE 8936
RR DONNELLEY & SONS DEFINED 800
RR DONNELLEY & SONS OTHER 4875
DOVER CORP. SOLE 13500
DOW CHEMICAL CO SOLE 37472
DOW CHEMICAL CO DEFINED 327
DOW CHEMICAL CO OTHER 6025
E.I. DUPONT deNEMOURS & CO. SOLE 175391
E.I. DUPONT deNEMOURS & CO. SOLE 8050
E.I. DUPONT deNEMOURS & CO. DEFINED 3326
E.I. DUPONT deNEMOURS & CO. OTHER 37309
DUKE ENERGY CORP. SOLE 7625
DUKE ENERGY CORP. OTHER 5018
E M C CORP MASS SOLE 39135
E M C CORP MASS SOLE 200
E M C CORP MASS OTHER 22725
EASTMAN KODAK CO SOLE 13339
EASTMAN KODAK CO SOLE 1000
EASTMAN KODAK CO OTHER 8126
EDISON INTERNATIONAL SOLE 7264
A G EDWARDS INC SOLE 18412
A G EDWARDS INC DEFINED 400
A G EDWARDS INC OTHER 5625
ELECTRONIC DATA SYSTEMS SOLE 3402
ELECTRONIC DATA SYSTEMS SOLE 100
ELECTRONIC DATA SYSTEMS OTHER 2862
EMERSON ELECTRIC CO. SOLE 21246
EMERSON ELECTRIC CO. SOLE 2800
EMERSON ELECTRIC CO. DEFINED 3300
EMERSON ELECTRIC CO. OTHER 12610
ENERGYNORTH, INC. SOLE 17050
ENERGYNORTH, INC. OTHER 2533
ENRON CORP. SOLE 45380
ENRON CORP. SOLE 275
ENRON CORP. OTHER 30390
EXXON CORP SOLE 288713
EXXON CORP SOLE 6625
EXXON CORP DEFINED 1550
EXXON CORP DEFINED 9 3200
EXXON CORP OTHER 138732
EXXON CORP OTHER 1000
FPL GROUP SOLE 56941
FPL GROUP DEFINED 900
FPL GROUP OTHER 9879
FEDERAL HOME LOAN SOLE 90265
FEDERAL HOME LOAN DEFINED 860
FEDERAL HOME LOAN OTHER 23150
FANNIE MAE SOLE 57213
FANNIE MAE DEFINED 2000
FANNIE MAE OTHER 13030
FANNIE MAE OTHER 2000
FIRST UNION CORP SOLE 143226
FIRST UNION CORP SOLE 200
FIRST UNION CORP DEFINED 450
FIRST UNION CORP OTHER 24241
FIRSTAR CORP NEW WIS SOLE 22331
FIRSTAR CORP NEW WIS OTHER 3192
FLEETWOOD ENTERPRISES SOLE 10200
FLEETWOOD ENTERPRISES OTHER 600
FLORIDA PROGRESS CORP. SOLE 3889
FLORIDA PROGRESS CORP. OTHER 1500
FLUOR CORP. SOLE 4000
FLUOR CORP. OTHER 1495
FORD MOTOR CO SOLE 23802
FORD MOTOR CO SOLE 200
FORD MOTOR CO DEFINED 550
FORD MOTOR CO OTHER 7058
FORTUNE BRANDS INC SOLE 6400
FORTUNE BRANDS INC SOLE 240
FORTUNE BRANDS INC DEFINED 700
FORTUNE BRANDS INC OTHER 2470
GTE CORP. SOLE 102845
GTE CORP. DEFINED 150
GTE CORP. OTHER 30534
GTE CORP. OTHER 300
GANNETT INC. SOLE 2150
GANNETT INC. OTHER 1990
GAP, INC. SOLE 329643
GAP, INC. SOLE 12125
GAP, INC. DEFINED 750
GAP, INC. OTHER 5043
GATEWAY INC COM SOLE 60710
GATEWAY INC COM SOLE 200
GATEWAY INC COM DEFINED 616
GATEWAY INC COM OTHER 700
GENERAL ELECTRIC CO SOLE 564056
GENERAL ELECTRIC CO SOLE 13400
GENERAL ELECTRIC CO DEFINED 12750
GENERAL ELECTRIC CO DEFINED 9 2800
GENERAL ELECTRIC CO OTHER 204712
GENERAL ELECTRIC CO OTHER 3700
GENERAL ELECTRIC CO OTHER 12 1800
GENERAL MILLS INC SOLE 12050
GENERAL MILLS INC SOLE 700
GENERAL MILLS INC OTHER 2850
GENERAL MOTORS CORP. SOLE 28135
GENERAL MOTORS CORP. SOLE 408
GENERAL MOTORS CORP. DEFINED 480
GENERAL MOTORS CORP. OTHER 9435
GENTEX SOLE 5200
GENTEX OTHER 9000
GENUINE PARTS SOLE 8917
GENUINE PARTS OTHER 9005
GEORGIA-PACIFIC CORP SOLE 5679
GEORGIA-PACIFIC CORP SOLE 100
GEORGIA-PACIFIC CORP OTHER 2819
GILLETTE CO SOLE 122875
GILLETTE CO DEFINED 225
GILLETTE CO OTHER 38349
GILLETTE CO OTHER 700
GILLETTE CO OTHER 12 1000
GLAXO WELLCOME PLC SOLE 2700
GLAXO WELLCOME PLC OTHER 2470
B. F. GOODRICH SOLE 44625
B. F. GOODRICH SOLE 300
B. F. GOODRICH DEFINED 400
B. F. GOODRICH OTHER 950
GRAINGER W W INC SOLE 7370
GRAINGER W W INC DEFINED 800
GRAINGER W W INC OTHER 1700
GUIDANT CORPORATION SOLE 18460
GUIDANT CORPORATION SOLE 225
GUIDANT CORPORATION DEFINED 650
GUIDANT CORPORATION OTHER 672
HALLIBURTON CO SOLE 79375
HALLIBURTON CO DEFINED 9 2600
HALLIBURTON CO OTHER 21000
HARLEY DAVIDSON INC SOLE 3535
HASBRO, INC. SOLE 20725
HASBRO, INC. DEFINED 1550
HASBRO, INC. OTHER 1600
HASBRO, INC. OTHER 12 6243
H.J. HEINZ CO. SOLE 5320
H.J. HEINZ CO. OTHER 3700
HERSHEY FOODS CORP. SOLE 43311
HERSHEY FOODS CORP. OTHER 8368
HERTZ CORP SOLE 5900
HERTZ CORP SOLE 200
HERTZ CORP OTHER 175
HEWLETT PACKARD CO SOLE 174320
HEWLETT PACKARD CO SOLE 600
HEWLETT PACKARD CO DEFINED 2800
HEWLETT PACKARD CO OTHER 16100
HEWLETT PACKARD CO OTHER 950
HOME DEPOT INC. SOLE 67261
HOME DEPOT INC. SOLE 150
HOME DEPOT INC. DEFINED 1700
HOME DEPOT INC. OTHER 11725
HONEYWELL INC SOLE 3385
HONEYWELL INC OTHER 2200
HOUSEHOLD INTERNATIONAL INC. SOLE 9545
HOUSEHOLD INTERNATIONAL INC. OTHER 3066
HUBBELL INC. SOLE 7436
HUBBELL INC. OTHER 6296
IDEXX LABS, INC. OTHER 35000
INTEL CORP SOLE 401532
INTEL CORP SOLE 15850
INTEL CORP DEFINED 1800
INTEL CORP DEFINED 9 3000
INTEL CORP OTHER 67380
INTEL CORP OTHER 3500
INTEL CORP OTHER 12 600
INTERNATIONAL BUSINESS MACHINES SOLE 295333
INTERNATIONAL BUSINESS MACHINES SOLE 6800
INTERNATIONAL BUSINESS MACHINES DEFINED 1850
INTERNATIONAL BUSINESS MACHINES OTHER 35006
INTERNATIONAL BUSINESS MACHINES OTHER 2850
INTERNATIONAL BUSINESS MACHINES OTHER 12 1200
INTERNATIONAL PAPER CO SOLE 7916
INTERNATIONAL PAPER CO OTHER 6572
INTERNET CAP GROUP INC SOLE 2000
INTERPUBLIC GROUP COS INC SOLE 36904
INTERPUBLIC GROUP COS INC OTHER 10102
INTERSTATE BAKERIES SOLE 10000
INTERSYSTEMS, INC. OTHER 10000
JOHNSON & JOHNSON SOLE 311901
JOHNSON & JOHNSON SOLE 5200
JOHNSON & JOHNSON DEFINED 6600
JOHNSON & JOHNSON DEFINED 9 1700
JOHNSON & JOHNSON OTHER 82859
JOHNSON & JOHNSON OTHER 1040
JOHNSON & JOHNSON OTHER 12 500
JOHNSON CONTROLS INC SOLE 107805
JOHNSON CONTROLS INC SOLE 100
JOHNSON CONTROLS INC DEFINED 800
JOHNSON CONTROLS INC OTHER 20002
JONES APPAREL SOLE 19441
JONES APPAREL OTHER 96
KANSAS CITY SOUTHERN IND INC SOLE 6840
KANSAS CITY SOUTHERN IND INC OTHER 1000
KEYCORP SOLE 5518
KEYCORP OTHER 2282
KIMBERLY CLARK SOLE 97459
KIMBERLY CLARK SOLE 200
KIMBERLY CLARK DEFINED 700
KIMBERLY CLARK OTHER 20097
LEGATO SYSTEMS INC SOLE 9500
ELI LILLY & CO. SOLE 21390
ELI LILLY & CO. DEFINED 600
ELI LILLY & CO. OTHER 9100
LOWE'S COMPANIES INC SOLE 3730
LOWE'S COMPANIES INC OTHER 300
LUCENT TECHNOLOGIES INC SOLE 634482
LUCENT TECHNOLOGIES INC SOLE 23088
LUCENT TECHNOLOGIES INC DEFINED 5416
LUCENT TECHNOLOGIES INC DEFINED 9 3252
LUCENT TECHNOLOGIES INC OTHER 112891
LUCENT TECHNOLOGIES INC OTHER 1456
LUCENT TECHNOLOGIES INC OTHER 12 2000
MCI WORLDCOM INC SOLE 47057
MCI WORLDCOM INC SOLE 50
MCI WORLDCOM INC DEFINED 250
MCI WORLDCOM INC OTHER 2793
MARSH & MCLENNAN SOLE 19653
MARRIOTT INTL' INC. NEW SOLE 45400
MARRIOTT INTL' INC. NEW OTHER 600
MAY DEPARTMENT STORES SOLE 24882
MAY DEPARTMENT STORES DEFINED 600
MAY DEPARTMENT STORES OTHER 7011
MCDONALDS CORP. SOLE 252532
MCDONALDS CORP. DEFINED 8200
MCDONALDS CORP. OTHER 28560
MCDONALDS CORP. OTHER 5900
MCGRAW-HILL, INC. SOLE 5168
MCGRAW-HILL, INC. OTHER 4600
MEAD CORP. SOLE 11350
MEAD CORP. OTHER 5100
MEDIAONE GROUP INC. SOLE 81824
MEDIAONE GROUP INC. OTHER 6276
MEDIAONE GROUP INC. OTHER 12 1487
MEDIAONE GROUP INC. SOLE 22284
MEDIAONE GROUP INC. OTHER 12 435
MEDTRONIC INC SOLE 79056
MEDTRONIC INC DEFINED 1000
MEDTRONIC INC OTHER 14200
MEDTRONIC INC OTHER 800
MERCK & CO., INC. SOLE 351121
MERCK & CO., INC. SOLE 18400
MERCK & CO., INC. DEFINED 9700
MERCK & CO., INC. OTHER 97763
MERCK & CO., INC. OTHER 4600
MERRILL LYNCH & CO. INC. SOLE 6005
MERRILL LYNCH & CO. INC. OTHER 6100
MICROSOFT CORP SOLE 298357
MICROSOFT CORP SOLE 15850
MICROSOFT CORP DEFINED 3450
MICROSOFT CORP OTHER 50940
MICROSOFT CORP OTHER 3000
MICROSOFT CORP OTHER 12 1600
MINNESOTA MINING & MFG CO. SOLE 83450
MINNESOTA MINING & MFG CO. DEFINED 2400
MINNESOTA MINING & MFG CO. DEFINED 9 1700
MINNESOTA MINING & MFG CO. OTHER 14736
MINNESOTA MINING & MFG CO. OTHER 956
MOBIL CORP. SOLE 113907
MOBIL CORP. DEFINED 400
MOBIL CORP. OTHER 49672
MOBIL CORP. OTHER 800
MONSANTO CO SOLE 55736
MONSANTO CO DEFINED 675
MONSANTO CO DEFINED 9 3100
MONSANTO CO OTHER 29666
J P MORGAN & CO SOLE 38205
J P MORGAN & CO SOLE 1150
J P MORGAN & CO DEFINED 350
J P MORGAN & CO DEFINED 9 1500
J P MORGAN & CO OTHER 25670
J P MORGAN & CO OTHER 300
MORGAN STANLEY SOLE 37738
MORGAN STANLEY OTHER 3980
MOTOROLA INC SOLE 17453
MOTOROLA INC DEFINED 100
MOTOROLA INC DEFINED 9 650
MOTOROLA INC OTHER 4900
MOTOROLA INC OTHER 300
NATIONAL CITY CORP. SOLE 31290
NATIONAL CITY CORP. OTHER 1000
NATIONAL FUEL GAS COMPANY SOLE 200
NATIONAL FUEL GAS COMPANY OTHER 5116
NEW ENGLAND ELECTRIC SYS SOLE 8172
NEW ENGLAND ELECTRIC SYS OTHER 4110
NEW YORK TIMES SOLE 64675
NEW YORK TIMES OTHER 1200
NEWELL RUBBERMAID INC SOLE 5382
NEWELL RUBBERMAID INC DEFINED 700
NIKE, INC. CLASS B SOLE 4500
NISOURCE INC SOLE 6464
NISOURCE INC OTHER 4552
NORFOLK SOUTHERN CORP. SOLE 82105
NORFOLK SOUTHERN CORP. DEFINED 9 4500
NORFOLK SOUTHERN CORP. OTHER 25649
NORTEL NETWORKS CORP SOLE 1690
NORTEL NETWORKS CORP OTHER 4275
NORTHERN STATES PWR CO SOLE 7950
NORTHERN STATES PWR CO OTHER 4600
NSTAR COM SOLE 10621
NSTAR COM OTHER 2658
NUVEEN MUNICIPAL VALUE FUND SOLE 15000
NUVEEN MUNICIPAL VALUE FUND OTHER 3800
OMNICOM GROUP SOLE 3300
OMNICOM GROUP OTHER 48
ORACLE SYSTEMS CORP. SOLE 70425
ORACLE SYSTEMS CORP. SOLE 150
ORACLE SYSTEMS CORP. OTHER 2385
OWENS ILLINOIS INC. SOLE 26350
PLC SYSTEMS, INC SOLE 66100
PNC BANK CORP SOLE 29976
PNC BANK CORP SOLE 200
PNC BANK CORP OTHER 1300
PPG INDUSTRIES, INC. SOLE 20195
PPG INDUSTRIES, INC. SOLE 100
PPG INDUSTRIES, INC. DEFINED 1000
PPG INDUSTRIES, INC. DEFINED 9 1400
PPG INDUSTRIES, INC. OTHER 3950
PARK PLACE ENTERTAINMENT CORP SOLE 3000
PARK PLACE ENTERTAINMENT CORP OTHER 7600
PEOPLE'S HERITAGE FINANCIAL GRP SOLE 25980
PEOPLE'S HERITAGE FINANCIAL GRP OTHER 46812
PEPSICO INC SOLE 192649
PEPSICO INC DEFINED 300
PEPSICO INC OTHER 85933
PEPSICO INC OTHER 1800
PFIZER INC SOLE 158201
PFIZER INC DEFINED 800
PFIZER INC OTHER 65179
PHILIP MORRIS COS INC. SOLE 49187
PHILIP MORRIS COS INC. DEFINED 2400
PHILIP MORRIS COS INC. OTHER 19350
PHILIP MORRIS COS INC. OTHER 12 900
PHILLIPS PETROLEUM CO SOLE 25835
PHILLIPS PETROLEUM CO DEFINED 1500
PHILLIPS PETROLEUM CO OTHER 1824
PHILLIPS PETROLEUM CO OTHER 150
PILGRIM PRIME RATE TR NEW SOLE 3000
PILGRIM PRIME RATE TR NEW OTHER 7800
PITNEY BOWES SOLE 61192
PITNEY BOWES OTHER 22775
PROCTER & GAMBLE CO SOLE 145101
PROCTER & GAMBLE CO SOLE 8800
PROCTER & GAMBLE CO DEFINED 4650
PROCTER & GAMBLE CO DEFINED 9 3400
PROCTER & GAMBLE CO OTHER 60412
PROVIDIAN FINANCIAL CORP SOLE 5325
PROVIDIAN FINANCIAL CORP OTHER 450
QUADRAX CORP SOLE 15800
QUAKER OATS CO. SOLE 5875
QUAKER OATS CO. DEFINED 700
QUAKER OATS CO. OTHER 12460
QUALCOMM CORP SOLE 1375
QUALCOMM CORP DEFINED 900
QUALCOMM CORP OTHER 100
RGS ENERGY GROUP INC SOLE 14650
RGS ENERGY GROUP INC OTHER 1200
RAYTHEON CO. SOLE 33490
RAYTHEON CO. DEFINED 9 2350
RAYTHEON CO. OTHER 20250
ROCKWELL INTL CORP SOLE 5765
ROCKWELL INTL CORP DEFINED 300
ROCKWELL INTL CORP DEFINED 9 1250
ROCKWELL INTL CORP OTHER 3000
ROHM & HAAS INC. SOLE 38757
ROHM & HAAS INC. OTHER 5247
ROSS STORES INC SOLE 23500
ROSS STORES INC OTHER 2600
ROYAL DUTCH PETROLEUM CO. SOLE 29121
ROYAL DUTCH PETROLEUM CO. SOLE 100
ROYAL DUTCH PETROLEUM CO. OTHER 13388
ROYAL DUTCH PETROLEUM CO. OTHER 1600
SBC COMMUNICATIONS INC SOLE 143295
SBC COMMUNICATIONS INC SOLE 14476
SBC COMMUNICATIONS INC DEFINED 1300
SBC COMMUNICATIONS INC OTHER 75106
SBC COMMUNICATIONS INC OTHER 1100
SAFEWAY INC. SOLE 77682
SAFEWAY INC. OTHER 1575
SARA LEE CORP SOLE 81080
SARA LEE CORP DEFINED 400
SARA LEE CORP OTHER 6600
SCHERING-PLOUGH CORP SOLE 255700
SCHERING-PLOUGH CORP SOLE 17300
SCHERING-PLOUGH CORP DEFINED 1550
SCHERING-PLOUGH CORP DEFINED 9 1000
SCHERING-PLOUGH CORP OTHER 51495
SCHERING-PLOUGH CORP OTHER 3300
SCHLUMBERGER LTD SOLE 13025
SCHLUMBERGER LTD OTHER 7438
SCIENTIFIC-ATLANTA, INC. SOLE 5815
SCIENTIFIC-ATLANTA, INC. SOLE 200
SCIENTIFIC-ATLANTA, INC. OTHER 360
SEAGATE TECHNOLOGY SOLE 8025
SEAGATE TECHNOLOGY SOLE 300
SEAGATE TECHNOLOGY DEFINED 800
SEAGRAM COMPANY LTD. SOLE 2100
SEAGRAM COMPANY LTD. OTHER 3500
SEARS ROEBUCK & CO SOLE 14334
SEARS ROEBUCK & CO DEFINED 9 1300
SEARS ROEBUCK & CO OTHER 3736
SELFCARE INC SOLE 10000
SEMPRA ENERGY SOLE 30346
SHERWIN-WILLIAMS COMPANY SOLE 7650
SHERWIN-WILLIAMS COMPANY OTHER 1600
SMITHKLINE BEECHAM SOLE 1091
SMITHKLINE BEECHAM OTHER 3600
SMITHKLINE BEECHAM OTHER 400
SOLECTRON CORP SOLE 5680
SOLUTIA INC SOLE 21355
SOLUTIA INC SOLE 200
SOLUTIA INC DEFINED 1000
SOLUTIA INC OTHER 2823
SOUTHDOWN INC. SOLE 11000
SOUTHDOWN INC. OTHER 21
SOUTHERN CO SOLE 6162
SOUTHERN CO DEFINED 2600
SOUTHERN CO OTHER 6400
SOUTHWEST AIRLINES SOLE 8170
SOUTHWEST AIRLINES SOLE 150
SOUTHWEST AIRLINES OTHER 2458
SPRINT CORPORATION COM SOLE 51142
SPRINT CORPORATION COM SOLE 200
SPRINT CORPORATION COM OTHER 4000
SPRINT CORPORATION COM SOLE 7188
SPRINT CORPORATION COM SOLE 200
SPRINT CORPORATION COM OTHER 1600
STANLEY WORKS SOLE 2100
STANLEY WORKS OTHER 5952
STATE STREET CORP SOLE 21440
STATE STREET CORP OTHER 10950
SUN MICROSYSTEMS INC. SOLE 78550
SUN MICROSYSTEMS INC. SOLE 150
SUN MICROSYSTEMS INC. DEFINED 200
SUN MICROSYSTEMS INC. OTHER 8510
SYSCO CORP. SOLE 7000
SYSCO CORP. OTHER 3200
SYSCO CORP. OTHER 5100
TECO ENERGY INC. SOLE 13688
TECO ENERGY INC. OTHER 12000
TJX COMPANIES SOLE 133540
TJX COMPANIES SOLE 275
TJX COMPANIES DEFINED 2712
TJX COMPANIES OTHER 4764
TJX COMPANIES OTHER 200
TRW INC. SOLE 17126
TRW INC. OTHER 7532
TANDY CORP. SOLE 4000
TANDY CORP. OTHER 94
TELLABS INC SOLE 74733
TELLABS INC SOLE 200
TELLABS INC DEFINED 600
TELLABS INC OTHER 3300
TEXACO INC SOLE 49438
TEXACO INC SOLE 400
TEXACO INC DEFINED 1100
TEXACO INC DEFINED 9 1600
TEXACO INC OTHER 17220
TEXAS INSTRUMENTS INC SOLE 21154
TEXAS INSTRUMENTS INC SOLE 200
TEXAS INSTRUMENTS INC OTHER 26665
TEXAS UTILITIES CO SOLE 2700
TEXAS UTILITIES CO DEFINED 1025
TEXAS UTILITIES CO OTHER 2180
TEXTRON INC SOLE 24036
TEXTRON INC OTHER 3698
TIDEWATER INC SOLE 20125
TIDEWATER INC DEFINED 300
TIDEWATER INC OTHER 585
TIME WARNER, INC. SOLE 8960
TIME WARNER, INC. SOLE 125
TIME WARNER, INC. DEFINED 100
TIME WARNER, INC. OTHER 8665
TIMES MIRROR CO SOLE 2455
TIMES MIRROR CO OTHER 400
TORONTO DOMINION BANK SOLE 16600
TRICON GLOBAL RESTAURANTS SOLE 3145
TRICON GLOBAL RESTAURANTS OTHER 3680
TRIBUNE CO NEW SOLE 43800
TYCO INTL LTD SOLE 156214
TYCO INTL LTD SOLE 200
TYCO INTL LTD DEFINED 1300
TYCO INTL LTD OTHER 31380
TYCO INTL LTD OTHER 2112
UAL CORP SOLE 14350
UAL CORP OTHER 800
UNAPIX ENTERTAINMENT INC. OTHER 34498
UNION PACIFIC CORP SOLE 24091
UNION PACIFIC CORP OTHER 11740
UNION PACIFIC RES GROUP INC SOLE 7358
UNION PACIFIC RES GROUP INC OTHER 3760
UNION PACIFIC RES GROUP INC OTHER 1200
UNITED STATES CELLULAR CORP SOLE 4000
US WEST INC NEW SOLE 8716
US WEST INC NEW SOLE 100
US WEST INC NEW OTHER 5513
US TRUST CORP SOLE 3718
US TRUST CORP OTHER 1018
UNITED TECHNOLOGIES CORP SOLE 168801
UNITED TECHNOLOGIES CORP SOLE 10800
UNITED TECHNOLOGIES CORP DEFINED 1050
UNITED TECHNOLOGIES CORP OTHER 18063
UNITED TECHNOLOGIES CORP OTHER 1400
UNITIL CORP. COMMON SOLE 10180
UNITIL CORP. COMMON OTHER 28726
UNOCAL CORP. SOLE 6828
UNOCAL CORP. OTHER 2425
UNUMPROVIDENT CORP SOLE 5460
UNUMPROVIDENT CORP OTHER 11224
US FREIGHTWAYS CORP SOLE 6600
V F CORP. SOLE 10120
V F CORP. DEFINED 200
V F CORP. OTHER 2548
VALASSIS COMMUNICATIONS INC SOLE 6000
VALASSIS COMMUNICATIONS INC OTHER 57
VODAFONE AIRTOUCH PLC SOLE 19130
VODAFONE AIRTOUCH PLC DEFINED 500
VODAFONE AIRTOUCH PLC OTHER 13190
WAL-MART STORES SOLE 390079
WAL-MART STORES SOLE 200
WAL-MART STORES OTHER 16695
WAL-MART STORES OTHER 2548
WALGREEN COMPANY SOLE 11300
WALGREEN COMPANY DEFINED 300
WALGREEN COMPANY OTHER 4060
WARNER-LAMBERT CO SOLE 41988
WARNER-LAMBERT CO SOLE 100
WARNER-LAMBERT CO DEFINED 100
WARNER-LAMBERT CO OTHER 42526
WASHINGTON TRUST BANCORP., INC. SOLE 11893
WASHINGTON TRUST BANCORP., INC. OTHER 77185
WASHINGTON TRUST BANCORP., INC. OTHER 12 2025
WATSON PHARMACEUTICAL INC SOLE 24960
WATSON PHARMACEUTICAL INC OTHER 650
WELLS FARGO & CO NEW SOLE 20394
WELLS FARGO & CO NEW DEFINED 850
WELLS FARGO & CO NEW OTHER 4460
WILLIAMS COMPANIES INC SOLE 162278
WILLIAMS COMPANIES INC DEFINED 150
WILLIAMS COMPANIES INC DEFINED 9 5700
WILLIAMS COMPANIES INC OTHER 49604
WISCONSIN ENERGY CORP. SOLE 12586
WISCONSIN ENERGY CORP. OTHER 5325
XEROX CORP SOLE 5086
XEROX CORP OTHER 5000
XYBERNAUT CORP OTHER 20000
DAIMLERCHRYSLER AG SOLE 21386
DAIMLERCHRYSLER AG DEFINED 124
DAIMLERCHRYSLER AG OTHER 5176
TOMMY HILFIGER SOLE 52367
TOMMY HILFIGER SOLE 400
TOMMY HILFIGER OTHER 2222
TOMMY HILFIGER OTHER 200
ABINGTON BANCORP SOLE 33700
BOSTONFED BANCORP INC. SOLE 75600
FIRST FED OF EAST HARTFORD SOLE 24800
FIRST ESSEX BANCORP, INC. SOLE 72700
GRANITE STATE BANKSHARES, INC. SOLE 100000
HOTJOBS.COM,LTD SOLE 5326
INDEPENDENT BANK CORP. SOLE 71500
IVILLAGE INC. SOLE 3820
NEW ENGLAND COMMUNITY BNCP SOLE 105000
SEACOAST FINANCIAL SERVICES SOLE 125832
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