[DESCRIPTION] FORM 13F
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 06/30/1999
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 08/11/99
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: 687
Form 13F Information Table Value Total: $ 1,374,668
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 22591 404773 SH
A T & T COMMON STOCK 001957109 318 5690 SH
A T & T COMMON STOCK 001957109 4481 80289 SH
ABBOTT LABORATORIES COMMON STOCK 002824100 6862 151239 SH
ABBOTT LABORATORIES COMMON STOCK 002824100 154 3400 SH
ABBOTT LABORATORIES COMMON STOCK 002824100 1414 31160 SH
ADOBE SYS INC COMMON STOCK 00724F101 275 3350 SH
ADOBE SYS INC COMMON STOCK 00724F101 16 200 SH
AETNA INC. COMMON STOCK 008117103 276 3082 SH
AETNA INC. COMMON STOCK 008117103 403 4502 SH
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 1257 31240 SH
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 358 8900 SH
AIRTOUCH COMMUNICATIONS INC. COMMON STOCK 00949T100 718 6668 SH
AIRTOUCH COMMUNICATIONS INC. COMMON STOCK 00949T100 578 5368 SH
ALASKA AIR GROUP COMMON STOCK 011659109 230 5500 SH
ALBERTSONS INC. COMMON STOCK 013104104 396 7673 SH
ALBERTSONS INC. COMMON STOCK 013104104 485 9400 SH
ALCOA INC COMMON STOCK 013817101 491 7934 SH
ALCOA INC COMMON STOCK 013817101 161 2600 SH
ALLEGHENY ENERGY INC COMMON STOCK 017361106 167 5220 SH
ALLEGHENY ENERGY INC COMMON STOCK 017361106 114 3560 SH
ALLERGAN, INC COMMON STOCK 018490102 1852 16682 SH
ALLERGAN, INC COMMON STOCK 018490102 44 400 SH
ALLIED SIGNAL INC COMMON STOCK 019512102 9969 158241 SH
ALLIED SIGNAL INC COMMON STOCK 019512102 239 3800 SH
ALLIED SIGNAL INC COMMON STOCK 019512102 2350 37302 SH
ALLSTATE CORP COMMON STOCK 020002101 787 21925 SH
ALLSTATE CORP COMMON STOCK 020002101 224 6250 SH
ALLTEL CORPORATION COMMON STOCK 020039103 1091 15260 SH
ALLTEL CORPORATION COMMON STOCK 020039103 522 7301 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 355 3230 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 83 750 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 22560 173375 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 182 1400 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 1161 8922 SH
AMERICAN GENERAL CORP. COMMON STOCK 026351106 208 2760 SH
AMERICAN HOME PRODUCTS CORP. COMMON STOCK 026609107 6631 115577 SH
AMERICAN HOME PRODUCTS CORP. COMMON STOCK 026609107 597 10400 SH
AMERICAN HOME PRODUCTS CORP. COMMON STOCK 026609107 4966 86556 SH
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874107 22129 188730 SH
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874107 882 7524 SH
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874107 35175 300000 SH
AMERICAN POWER CONVERSION COMMON STOCK 029066107 201 10000 SH
AMERICAN POWER CONVERSION COMMON STOCK 029066107 201 10000 SH
AMERITECH CORP.-COMMON NEW COMMON STOCK 030954101 5887 80092 SH
AMERITECH CORP.-COMMON NEW COMMON STOCK 030954101 1932 26282 SH
AMGEN INC. COMMON STOCK 031162100 1196 19653 SH
AMGEN INC. COMMON STOCK 031162100 342 5625 SH
ANHEUSER-BUSCH COMPANIES, INC. COMMON STOCK 035229103 12152 171300 SH
ANHEUSER-BUSCH COMPANIES, INC. COMMON STOCK 035229103 99 1400 SH
ANHEUSER-BUSCH COMPANIES, INC. COMMON STOCK 035229103 1257 17723 SH
AON CORP COMMON STOCK 037389103 322 7815 SH
AON CORP COMMON STOCK 037389103 181 4387 SH
ARGUSS HLDGS INC COMMON STOCK 040282105 14465 763813 SH
ARMSTRONG WORLD IND. COMMON STOCK 042476101 667 11537 SH
ARMSTRONG WORLD IND. COMMON STOCK 042476101 87 1500 SH
ARMSTRONG WORLD IND. COMMON STOCK 042476101 127 2200 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 316 7158 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 9 200 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 156 3526 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 1810 21665 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 140 1680 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 1480 17710 SH
AUTOMATIC DATA PROCESSING INC. COMMON STOCK 053015103 10126 230135 SH
AUTOMATIC DATA PROCESSING INC. COMMON STOCK 053015103 502 11400 SH
AUTOMATIC DATA PROCESSING INC. COMMON STOCK 053015103 3124 70998 SH
AVERY DENNISON CORP. COMMON STOCK 053611109 2327 38550 SH
AVERY DENNISON CORP. COMMON STOCK 053611109 12 200 SH
AVERY DENNISON CORP. COMMON STOCK 053611109 530 8776 SH
AVNET, INC. COMMON STOCK 053807103 452 9710 SH
AVNET, INC. COMMON STOCK 053807103 91 1950 SH
AVON PRODUCTS INC COMMON STOCK 054303102 337 6074 SH
AVON PRODUCTS INC COMMON STOCK 054303102 34 620 SH
AVON PRODUCTS INC COMMON STOCK 054303102 11 200 SH
BCE INC. FOREIGN STOCK 05534B109 308 6252 SH
BEC ENERGY COMMON STOCK 05538M101 438 10627 SH
BEC ENERGY COMMON STOCK 05538M101 12 300 SH
BEC ENERGY COMMON STOCK 05538M101 21 500 SH
BP AMOCO PLC FOREIGN STOCK 055622104 6047 55730 SH
BP AMOCO PLC FOREIGN STOCK 055622104 174 1600 SH
BP AMOCO PLC FOREIGN STOCK 055622104 1972 18171 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 16446 224329 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 125 1700 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 1317 17961 SH
BANK OF NEW YORK CO. INC COMMON STOCK 064057102 112 3040 SH
BANK OF NEW YORK CO. INC COMMON STOCK 064057102 725 19752 SH
BANK ONE CORP COMMON STOCK 06423A103 268 4501 SH
BANK ONE CORP COMMON STOCK 06423A103 260 4360 SH
BANKBOSTON CORP COMMON STOCK 06605R106 5105 99861 SH
BANKBOSTON CORP COMMON STOCK 06605R106 31 600 SH
BANKBOSTON CORP COMMON STOCK 06605R106 1513 29586 SH
BAXTER INTERNATIONAL INC. COMMON STOCK 071813109 218 3603 SH
BAXTER INTERNATIONAL INC. COMMON STOCK 071813109 153 2527 SH
BECTON DICKINSON & CO COMMON STOCK 075887109 525 17500 SH
BECTON DICKINSON & CO COMMON STOCK 075887109 33 1110 SH
BECTON DICKINSON & CO COMMON STOCK 075887109 129 4300 SH
BELL ATLANTIC CORP. COMMON STOCK 077853109 15781 241394 SH
BELL ATLANTIC CORP. COMMON STOCK 077853109 806 12324 SH
BELL ATLANTIC CORP. COMMON STOCK 077853109 5130 78469 SH
BELLSOUTH CORPORATION COMMON STOCK 079860102 7544 163562 SH
BELLSOUTH CORPORATION COMMON STOCK 079860102 120 2600 SH
BELLSOUTH CORPORATION COMMON STOCK 079860102 3122 67680 SH
A H BELO CORP COMMON STOCK 080555105 2500 127000 SH
A H BELO CORP COMMON STOCK 080555105 2 120 SH
BERKSHIRE HATHAWAY DEL COMMON STOCK 084670207 92 41 SH
BERKSHIRE HATHAWAY DEL COMMON STOCK 084670207 81 36 SH
BERKSHIRE HATHAWAY DEL COMMON STOCK 084670207 1192 532 SH
BESTFOODS COMMON STOCK 08658U101 1599 32300 SH
BESTFOODS COMMON STOCK 08658U101 94 1900 SH
BESTFOODS COMMON STOCK 08658U101 1374 27766 SH
BIOGEN, INC. COMMON STOCK 090597105 625 9724 SH
BIOGEN, INC. COMMON STOCK 090597105 64 1000 SH
BOEING CO. COMMON STOCK 097023105 1559 35426 SH
BOEING CO. COMMON STOCK 097023105 131 2981 SH
BOEING CO. COMMON STOCK 097023105 551 12533 SH
BRIGGS & STRATTON CORP COMMON STOCK 109043109 823 14244 SH
BRIGGS & STRATTON CORP COMMON STOCK 109043109 410 7100 SH
BRISTOL-MYERS SQUIBB CO. COMMON STOCK 110122108 22142 314352 SH
BRISTOL-MYERS SQUIBB CO. COMMON STOCK 110122108 313 4450 SH
BRISTOL-MYERS SQUIBB CO. COMMON STOCK 110122108 10130 143822 SH
BURLINGTON NORTHERN COMMON STOCK 12189T104 208 6700 SH
BURLINGTON NORTHERN COMMON STOCK 12189T104 0 10 SH
BURLINGTON NORTHERN COMMON STOCK 12189T104 114 3670 SH
CBS CORP COMMON STOCK 12490K107 123 2825 SH
CBS CORP COMMON STOCK 12490K107 174 4000 SH
CIGNA COMMON STOCK 125509109 18363 206325 SH
CIGNA COMMON STOCK 125509109 120 1350 SH
CVS CORP COMMON STOCK 126650100 1951 38434 SH
CVS CORP COMMON STOCK 126650100 593 11680 SH
CAMPBELL SOUP CO COMMON STOCK 134429109 511 11020 SH
CAMPBELL SOUP CO COMMON STOCK 134429109 770 16600 SH
CANANDAIGUA BRANDS INC COMMON STOCK 137219200 424 8092 SH
CARNIVAL CRUISE COMMON STOCK 143658102 4068 83875 SH
CARNIVAL CRUISE COMMON STOCK 143658102 295 6075 SH
CATERPILLAR TRACTOR CO COMMON STOCK 149123101 6387 106450 SH
CATERPILLAR TRACTOR CO COMMON STOCK 149123101 24 400 SH
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 147 6300 SH
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 92 3932 SH
CHASE MANHATTAN CORP COMMON STOCK 16161A108 6948 80324 SH
CHASE MANHATTAN CORP COMMON STOCK 16161A108 1257 14528 SH
CHEVRON CORP. COMMON STOCK 166751107 18061 189988 SH
CHEVRON CORP. COMMON STOCK 166751107 43 450 SH
CHEVRON CORP. COMMON STOCK 166751107 3457 36369 SH
CHUBB CORP. COMMON STOCK 171232101 153 2204 SH
CHUBB CORP. COMMON STOCK 171232101 118 1700 SH
CIRCUIT CITY STORES COMMON STOCK 172737108 1088 11700 SH
CIRCUIT CITY STORES COMMON STOCK 172737108 83 888 SH
CISCO SYSTEMS COMMON STOCK 17275R102 10693 165942 SH
CISCO SYSTEMS COMMON STOCK 17275R102 64 1000 SH
CISCO SYSTEMS COMMON STOCK 17275R102 2045 31742 SH
CITIGROUP INC COMMON STOCK 172967101 14251 300022 SH
CITIGROUP INC COMMON STOCK 172967101 84 1758 SH
CITIGROUP INC COMMON STOCK 172967101 2334 49128 SH
CLOROX CO. COMMON STOCK 189054109 7046 65970 SH
CLOROX CO. COMMON STOCK 189054109 11 100 SH
CLOROX CO. COMMON STOCK 189054109 985 9226 SH
COCA-COLA CO. COMMON STOCK 191216100 15281 246474 SH
COCA-COLA CO. COMMON STOCK 191216100 217 3500 SH
COCA-COLA CO. COMMON STOCK 191216100 8282 133573 SH
COLGATE-PALMOLIVE CO. COMMON STOCK 194162103 2186 22191 SH
COLGATE-PALMOLIVE CO. COMMON STOCK 194162103 10 100 SH
COLGATE-PALMOLIVE CO. COMMON STOCK 194162103 1443 14650 SH
COMERICA INC. COMMON STOCK 200340107 285 4803 SH
COMERICA INC. COMMON STOCK 200340107 229 3858 SH
COMPAQ COMPUTER COMMON STOCK 204493100 5140 216998 SH
COMPAQ COMPUTER COMMON STOCK 204493100 24 1000 SH
COMPAQ COMPUTER COMMON STOCK 204493100 383 16151 SH
COMPUWARE CORPORATION COMMON STOCK 205638109 257 8070 SH
COMPUWARE CORPORATION COMMON STOCK 205638109 26 808 SH
COMPUWARE CORPORATION COMMON STOCK 205638109 10 330 SH
COMVERSE TECHNOLOGY INC. COMMON STOCK 205862402 241 3196 SH
COMVERSE TECHNOLOGY INC. COMMON STOCK 205862402 4 48 SH
CONCORD EFS INC COMMON STOCK 206197105 256 6050 SH
CONEXANT SYSTEMS INC COMMON STOCK 207142100 128 2200 SH
CONEXANT SYSTEMS INC COMMON STOCK 207142100 36 625 SH
CONEXANT SYSTEMS INC COMMON STOCK 207142100 66 1131 SH
CONSECO INC COMMON STOCK 208464107 1608 52845 SH
CONSECO INC COMMON STOCK 208464107 33 1074 SH
CONSECO INC COMMON STOCK 208464107 217 7127 SH
CONSOLIDATED EDISON INC. COMMON STOCK 209115104 123 2713 SH
CONSOLIDATED EDISON INC. COMMON STOCK 209115104 253 5600 SH
CONSOLIDATED NATURAL GAS CO COMMON STOCK 209615103 419 6894 SH
CONSOLIDATED NATURAL GAS CO COMMON STOCK 209615103 43 701 SH
CONSTELLATION ENERGY CORP COMMON STOCK 210371100 288 9720 SH
CONSTELLATION ENERGY CORP COMMON STOCK 210371100 9 300 SH
CORNING INCORPORATED COMMON STOCK 219350105 74 1050 SH
CORNING INCORPORATED COMMON STOCK 219350105 365 5200 SH
COUNTRYWIDE CREDIT INDS INC COMMON STOCK 222372104 728 17027 SH
COUNTRYWIDE CREDIT INDS INC COMMON STOCK 222372104 9 200 SH
COUNTRYWIDE CREDIT INDS INC COMMON STOCK 222372104 32 750 SH
CROWN CORK & SEAL COMMON STOCK 228255105 82 2883 SH
CROWN CORK & SEAL COMMON STOCK 228255105 148 5200 SH
DQE INC. COMMON STOCK 23329J104 1834 45700 SH
DQE INC. COMMON STOCK 23329J104 99 2466 SH
DTE ENERGY CO COMMON STOCK 233331107 224 5500 SH
DTE ENERGY CO COMMON STOCK 233331107 24 600 SH
DANA CORP. COMMON STOCK 235811106 425 9222 SH
DANA CORP. COMMON STOCK 235811106 188 4088 SH
DANA CORP. COMMON STOCK 235811106 156 3395 SH
DAYTON-HUDSON COMMON STOCK 239753106 325 5000 SH
DAYTON-HUDSON COMMON STOCK 239753106 271 4175 SH
DEERE & CO. COMMON STOCK 244199105 112 2852 SH
DEERE & CO. COMMON STOCK 244199105 118 3022 SH
DELL COMPUTER COMMON STOCK 247025109 5106 137990 SH
DELL COMPUTER COMMON STOCK 247025109 37 1000 SH
DELL COMPUTER COMMON STOCK 247025109 659 17800 SH
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 78 4208 SH
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 6 335 SH
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 121 6529 SH
DIAL CORP NEW COMMON STOCK 25247D101 970 26075 SH
DIAL CORP NEW COMMON STOCK 25247D101 136 3650 SH
DIEBOLD, INC. COMMON STOCK 253651103 179 6226 SH
DIEBOLD, INC. COMMON STOCK 253651103 426 14818 SH
WALT DISNEY CO. COMMON STOCK 254687106 7957 258225 SH
WALT DISNEY CO. COMMON STOCK 254687106 425 13800 SH
WALT DISNEY CO. COMMON STOCK 254687106 998 32395 SH
RR DONNELLEY & SONS COMMON STOCK 257867101 263 7100 SH
RR DONNELLEY & SONS COMMON STOCK 257867101 30 800 SH
RR DONNELLEY & SONS COMMON STOCK 257867101 181 4875 SH
DOVER CORP. COMMON STOCK 260003108 473 13500 SH
DOW CHEMICAL CO COMMON STOCK 260543103 4393 34623 SH
DOW CHEMICAL CO COMMON STOCK 260543103 41 327 SH
DOW CHEMICAL CO COMMON STOCK 260543103 1348 10625 SH
E.I. DUPONT deNEMOURS & CO. COMMON STOCK 263534109 15746 230505 SH
E.I. DUPONT deNEMOURS & CO. COMMON STOCK 263534109 389 5700 SH
E.I. DUPONT deNEMOURS & CO. COMMON STOCK 263534109 3040 44495 SH
DUKE ENERGY CORP. COMMON STOCK 264399106 415 7625 SH
DUKE ENERGY CORP. COMMON STOCK 264399106 277 5081 SH
E M C CORP MASS COMMON STOCK 268648102 1999 36350 SH
E M C CORP MASS COMMON STOCK 268648102 1213 22050 SH
EASTMAN CHEMICAL COMMON STOCK 277432100 19 375 SH
EASTMAN CHEMICAL COMMON STOCK 277432100 291 5622 SH
EASTMAN KODAK CO COMMON STOCK 277461109 645 9519 SH
EASTMAN KODAK CO COMMON STOCK 277461109 1351 19936 SH
EDISON INTERNATIONAL COMMON STOCK 281020107 218 8164 SH
EDISON INTERNATIONAL COMMON STOCK 281020107 21 800 SH
A G EDWARDS INC COMMON STOCK 281760108 495 15342 SH
A G EDWARDS INC COMMON STOCK 281760108 185 5725 SH
ELECTRONIC DATA SYSTEMS COMMON STOCK 285661104 138 2438 SH
ELECTRONIC DATA SYSTEMS COMMON STOCK 285661104 175 3082 SH
EMERSON ELECTRIC CO. COMMON STOCK 291011104 1497 23781 SH
EMERSON ELECTRIC CO. COMMON STOCK 291011104 208 3300 SH
EMERSON ELECTRIC CO. COMMON STOCK 291011104 819 13010 SH
ENERGYNORTH, INC. COMMON STOCK 292925104 500 17277 SH
ENERGYNORTH, INC. COMMON STOCK 292925104 73 2533 SH
ENRON CORP. COMMON STOCK 293561106 1657 20275 SH
ENRON CORP. COMMON STOCK 293561106 1248 15270 SH
EXXON CORP COMMON STOCK 302290101 22204 287899 SH
EXXON CORP COMMON STOCK 302290101 366 4750 SH
EXXON CORP COMMON STOCK 302290101 12889 167120 SH
FPL GROUP COMMON STOCK 302571104 3194 58478 SH
FPL GROUP COMMON STOCK 302571104 49 900 SH
FPL GROUP COMMON STOCK 302571104 578 10579 SH
FEDERAL HOME LOAN COMMON STOCK 313400301 5130 88455 SH
FEDERAL HOME LOAN COMMON STOCK 313400301 50 860 SH
FEDERAL HOME LOAN COMMON STOCK 313400301 1457 25122 SH
FEDERAL NATIONAL MORTGAGE ASSN COMMON STOCK 313586109 4092 59963 SH
FEDERAL NATIONAL MORTGAGE ASSN COMMON STOCK 313586109 137 2000 SH
FEDERAL NATIONAL MORTGAGE ASSN COMMON STOCK 313586109 1207 17680 SH
FEDERATED DEPT STORES, INC. COMMON STOCK 31410H101 1302 24600 SH
FIRST UNION CORP COMMON STOCK 337358105 7415 157356 SH
FIRST UNION CORP COMMON STOCK 337358105 16 350 SH
FIRST UNION CORP COMMON STOCK 337358105 1324 28091 SH
FIRSTAR CORP NEW WIS COMMON STOCK 33763V109 635 22692 SH
FIRSTAR CORP NEW WIS COMMON STOCK 33763V109 126 4485 SH
FLEET FINANCIAL GROUP, INC. COMMON STOCK 338915101 5493 123785 SH
FLEET FINANCIAL GROUP, INC. COMMON STOCK 338915101 422 9500 SH
FLEET FINANCIAL GROUP, INC. COMMON STOCK 338915101 3047 68667 SH
FLEETWOOD ENTERPRISES COMMON STOCK 339099103 389 14700 SH
FLEETWOOD ENTERPRISES COMMON STOCK 339099103 26 1000 SH
FLOWERS INDS INC COMMON STOCK 343496105 219 10080 SH
FLUOR CORP. COMMON STOCK 343861100 162 4000 SH
FLUOR CORP. COMMON STOCK 343861100 69 1695 SH
FORD MOTOR CO COMMON STOCK 345370100 1241 21983 SH
FORD MOTOR CO COMMON STOCK 345370100 20 350 SH
FORD MOTOR CO COMMON STOCK 345370100 473 8387 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 260 6275 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 29 700 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 106 2570 SH
GTE CORP. COMMON STOCK 362320103 7749 102633 SH
GTE CORP. COMMON STOCK 362320103 11 150 SH
GTE CORP. COMMON STOCK 362320103 2382 31554 SH
GANNETT INC. COMMON STOCK 364730101 134 1880 SH
GANNETT INC. COMMON STOCK 364730101 142 1990 SH
GAP, INC. COMMON STOCK 364760108 17402 345442 SH
GAP, INC. COMMON STOCK 364760108 8 150 SH
GAP, INC. COMMON STOCK 364760108 228 4518 SH
GATEWAY INC COM COMMON STOCK 367626108 1781 30150 SH
GATEWAY INC COM COMMON STOCK 367626108 18 308 SH
GATEWAY INC COM COMMON STOCK 367626108 18 300 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 62037 548996 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 1752 15500 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 29381 260005 SH
GENERAL MILLS INC COMMON STOCK 370334104 936 11650 SH
GENERAL MILLS INC COMMON STOCK 370334104 326 4050 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 1831 27735 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 32 480 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 617 9351 SH
GENTEX COMMON STOCK 371901109 146 5200 SH
GENTEX COMMON STOCK 371901109 280 10000 SH
GENUINE PARTS COMMON STOCK 372460105 312 8917 SH
GENUINE PARTS COMMON STOCK 372460105 322 9205 SH
GEORGIA-PACIFIC CORP COMMON STOCK 373298108 192 4044 SH
GEORGIA-PACIFIC CORP COMMON STOCK 373298108 128 2694 SH
GILLETTE CO COMMON STOCK 375766102 5093 124213 SH
GILLETTE CO COMMON STOCK 375766102 9 225 SH
GILLETTE CO COMMON STOCK 375766102 1757 42849 SH
GLAXO WELLCOME PLC FOREIGN STOCK 37733W105 159 2800 SH
GLAXO WELLCOME PLC FOREIGN STOCK 37733W105 140 2470 SH
B. F. GOODRICH COMMON STOCK 382388106 1775 41775 SH
B. F. GOODRICH COMMON STOCK 382388106 38 900 SH
GOODYEAR TIRE & RUBBER CO COMMON STOCK 382550101 790 13426 SH
GOODYEAR TIRE & RUBBER CO COMMON STOCK 382550101 27 464 SH
GRAINGER W W INC COMMON STOCK 384802104 396 7350 SH
GRAINGER W W INC COMMON STOCK 384802104 43 800 SH
GRAINGER W W INC COMMON STOCK 384802104 91 1700 SH
GUIDANT CORPORATION COMMON STOCK 401698105 856 16735 SH
GUIDANT CORPORATION COMMON STOCK 401698105 31 600 SH
GUIDANT CORPORATION COMMON STOCK 401698105 45 872 SH
HCR MANOR CARE INC COMMON STOCK 404134108 177 7300 SH
HCR MANOR CARE INC COMMON STOCK 404134108 36 1500 SH
HCR MANOR CARE INC COMMON STOCK 404134108 85 3500 SH
HALLIBURTON CO COMMON STOCK 406216101 3749 82850 SH
HALLIBURTON CO COMMON STOCK 406216101 118 2600 SH
HALLIBURTON CO COMMON STOCK 406216101 1058 23385 SH
HARCOURT GENERAL INC. COMMON STOCK 41163G101 198 3840 SH
HARCOURT GENERAL INC. COMMON STOCK 41163G101 41 800 SH
HARRIS CORPORATION COMMON STOCK 413875105 408 10400 SH
HARRIS CORPORATION COMMON STOCK 413875105 43 1100 SH
HASBRO, INC. COMMON STOCK 418056107 387 13842 SH
HASBRO, INC. COMMON STOCK 418056107 21 750 SH
HASBRO, INC. COMMON STOCK 418056107 285 10218 SH
H.J. HEINZ CO. COMMON STOCK 423074103 267 5320 SH
H.J. HEINZ CO. COMMON STOCK 423074103 211 4200 SH
HERSHEY FOODS CORP. COMMON STOCK 427866108 2602 43821 SH
HERSHEY FOODS CORP. COMMON STOCK 427866108 562 9458 SH
HERTZ CORP COMMON STOCK 428040109 366 5900 SH
HERTZ CORP COMMON STOCK 428040109 6 100 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 9035 89900 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 281 2800 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 1764 17550 SH
HOME DEPOT INC. COMMON STOCK 437076102 4280 66425 SH
HOME DEPOT INC. COMMON STOCK 437076102 110 1700 SH
HOME DEPOT INC. COMMON STOCK 437076102 693 10760 SH
HONEYWELL INC COMMON STOCK 438506107 209 1800 SH
HONEYWELL INC COMMON STOCK 438506107 586 5055 SH
HOUSEHOLD INTERNATIONAL INC. COMMON STOCK 441815107 445 9400 SH
HOUSEHOLD INTERNATIONAL INC. COMMON STOCK 441815107 145 3066 SH
HUBBELL INC. COMMON STOCK 443510201 328 7236 SH
HUBBELL INC. COMMON STOCK 443510201 295 6496 SH
IMS HEALTH INC COMMON STOCK 449934108 200 6400 SH
IMS HEALTH INC COMMON STOCK 449934108 50 1600 SH
IDEXX LABS, INC. COMMON STOCK 45168D104 1069 45857 SH
INGERSOLL-RAND CO. COMMON STOCK 456866102 65 1000 SH
INGERSOLL-RAND CO. COMMON STOCK 456866102 172 2664 SH
INTEL CORP COMMON STOCK 458140100 24070 404531 SH
INTEL CORP COMMON STOCK 458140100 280 4700 SH
INTEL CORP COMMON STOCK 458140100 4542 76330 SH
INTERNATIONAL BUSINESS MACHINES COMMON STOCK 459200101 33807 261562 SH
INTERNATIONAL BUSINESS MACHINES COMMON STOCK 459200101 233 1800 SH
INTERNATIONAL BUSINESS MACHINES COMMON STOCK 459200101 9992 77306 SH
INTERNATIONAL PAPER CO COMMON STOCK 460146103 423 8425 SH
INTERNATIONAL PAPER CO COMMON STOCK 460146103 397 7896 SH
INTERPUBLIC GROUP COS INC COMMON STOCK 460690100 1731 19977 SH
INTERPUBLIC GROUP COS INC COMMON STOCK 460690100 438 5051 SH
INTERSTATE BAKERIES COMMON STOCK 46072H108 270 12050 SH
INTERSYSTEMS, INC. COMMON STOCK 460920101 9 10000 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 29684 302896 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 813 8300 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 9519 97137 SH
JOHNSON CONTROLS INC COMMON STOCK 478366107 7493 108105 SH
JOHNSON CONTROLS INC COMMON STOCK 478366107 55 800 SH
JOHNSON CONTROLS INC COMMON STOCK 478366107 1449 20902 SH
JONES APPAREL COMMON STOCK 480074103 772 22500 SH
JONES APPAREL COMMON STOCK 480074103 10 296 SH
KANSAS CITY SOUTHERN IND INC COMMON STOCK 485170104 349 5471 SH
KANSAS CITY SOUTHERN IND INC COMMON STOCK 485170104 110 1725 SH
KEYCORP COMMON STOCK 493267108 198 6168 SH
KEYCORP COMMON STOCK 493267108 93 2882 SH
KIMBERLY CLARK COMMON STOCK 494368103 3868 67859 SH
KIMBERLY CLARK COMMON STOCK 494368103 40 700 SH
KIMBERLY CLARK COMMON STOCK 494368103 1162 20394 SH
LEGGETT & PLATT INC COMMON STOCK 524660107 211 7600 SH
ELI LILLY & CO. COMMON STOCK 532457108 1509 21070 SH
ELI LILLY & CO. COMMON STOCK 532457108 47 650 SH
ELI LILLY & CO. COMMON STOCK 532457108 659 9200 SH
LOWE'S COMPANIES INC COMMON STOCK 548661107 201 3550 SH
LOWE'S COMPANIES INC COMMON STOCK 548661107 17 300 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 42961 637048 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 571 8468 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 9612 142528 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 3892 45227 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 9 100 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 227 2643 SH
MARSH & MCLENNAN COMMON STOCK 571748102 1538 20323 SH
MARRIOTT INTL' INC. NEW COMMON STOCK 571903202 1697 45400 SH
MARRIOTT INTL' INC. NEW COMMON STOCK 571903202 22 600 SH
MAY DEPARTMENT STORES COMMON STOCK 577778103 1011 24732 SH
MAY DEPARTMENT STORES COMMON STOCK 577778103 25 600 SH
MAY DEPARTMENT STORES COMMON STOCK 577778103 313 7648 SH
MCDONALDS CORP. COMMON STOCK 580135101 9657 234829 SH
MCDONALDS CORP. COMMON STOCK 580135101 337 8200 SH
MCDONALDS CORP. COMMON STOCK 580135101 1515 36840 SH
MCGRAW-HILL, INC. COMMON STOCK 580645109 245 4543 SH
MCGRAW-HILL, INC. COMMON STOCK 580645109 248 4600 SH
MCKESSON HBOC INC COMMON STOCK 58155Q103 684 21252 SH
MCKESSON HBOC INC COMMON STOCK 58155Q103 13 400 SH
MCKESSON HBOC INC COMMON STOCK 58155Q103 20 628 SH
MEAD CORP. COMMON STOCK 582834107 524 12550 SH
MEAD CORP. COMMON STOCK 582834107 213 5100 SH
MEDIAONE GROUP INC. COMMON STOCK 58440J104 6568 88309 SH
MEDIAONE GROUP INC. COMMON STOCK 58440J104 184 2479 SH
MEDIAONE GROUP INC. PREFERRED STOCK 58440J203 3338 22284 SH
MEDIAONE GROUP INC. PREFERRED STOCK 58440J203 65 435 SH
MEDTRONIC INC COMMON STOCK 585055106 3260 41863 SH
MEDTRONIC INC COMMON STOCK 585055106 39 500 SH
MEDTRONIC INC COMMON STOCK 585055106 596 7650 SH
MELLON BANK COMMON STOCK 585509102 562 15446 SH
MELLON BANK COMMON STOCK 585509102 493 13560 SH
MERCK & CO., INC. COMMON STOCK 589331107 32128 436379 SH
MERCK & CO., INC. COMMON STOCK 589331107 714 9700 SH
MERCK & CO., INC. COMMON STOCK 589331107 9927 134833 SH
MERRILL LYNCH & CO. INC. COMMON STOCK 590188108 562 7075 SH
MERRILL LYNCH & CO. INC. COMMON STOCK 590188108 485 6100 SH
MICROSOFT CORP COMMON STOCK 594918104 28176 312411 SH
MICROSOFT CORP COMMON STOCK 594918104 298 3300 SH
MICROSOFT CORP COMMON STOCK 594918104 5470 60650 SH
MINNESOTA MINING & MFG CO. COMMON STOCK 604059105 7745 89089 SH
MINNESOTA MINING & MFG CO. COMMON STOCK 604059105 356 4100 SH
MINNESOTA MINING & MFG CO. COMMON STOCK 604059105 1395 16042 SH
MOBIL CORP. COMMON STOCK 607059102 11110 112507 SH
MOBIL CORP. COMMON STOCK 607059102 40 400 SH
MOBIL CORP. COMMON STOCK 607059102 5112 51772 SH
MONSANTO CO COMMON STOCK 611662107 2300 58129 SH
MONSANTO CO COMMON STOCK 611662107 149 3775 SH
MONSANTO CO COMMON STOCK 611662107 1563 39507 SH
J P MORGAN & CO COMMON STOCK 616880100 5067 36065 SH
J P MORGAN & CO COMMON STOCK 616880100 260 1850 SH
J P MORGAN & CO COMMON STOCK 616880100 4779 34012 SH
MORGAN STANLEY COMMON STOCK 617446448 3913 38131 SH
MORGAN STANLEY COMMON STOCK 617446448 392 3820 SH
MOTOROLA INC COMMON STOCK 620076109 1677 17700 SH
MOTOROLA INC COMMON STOCK 620076109 71 750 SH
MOTOROLA INC COMMON STOCK 620076109 450 4750 SH
NATIONAL CITY CORP. COMMON STOCK 635405103 1023 15625 SH
NATIONAL CITY CORP. COMMON STOCK 635405103 33 500 SH
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 248 5116 SH
NEW ENGLAND ELECTRIC SYS COMMON STOCK 644001109 386 7707 SH
NEW ENGLAND ELECTRIC SYS COMMON STOCK 644001109 205 4094 SH
NEW YORK TIMES COMMON STOCK 650111107 2308 62700 SH
NEW YORK TIMES COMMON STOCK 650111107 59 1600 SH
NEWELL RUBBERMAID INC COMMON STOCK 651229106 426 9182 SH
NEWELL RUBBERMAID INC COMMON STOCK 651229106 32 700 SH
NEXTEL COMMUNICATIONS COMMON STOCK 65332V103 291 5800 SH
NIELSEN MEDIA RESH INC COMMON STOCK 653929307 252 8600 SH
NIELSEN MEDIA RESH INC COMMON STOCK 653929307 8 263 SH
NIKE, INC. CLASS B COMMON STOCK 654106103 285 4500 SH
NISOURCE INC COMMON STOCK 65473P105 193 7464 SH
NISOURCE INC COMMON STOCK 65473P105 117 4552 SH
NORFOLK SOUTHERN CORP. COMMON STOCK 655844108 2608 86575 SH
NORFOLK SOUTHERN CORP. COMMON STOCK 655844108 136 4500 SH
NORFOLK SOUTHERN CORP. COMMON STOCK 655844108 924 30671 SH
NORTHERN STATES PWR CO COMMON STOCK 665772109 192 7950 SH
NORTHERN STATES PWR CO COMMON STOCK 665772109 119 4900 SH
NUVEEN SELECT TAX FREE UNIT INVESTMENT 67063X100 170 11910 SH
NUVEEN MUNICIPAL VALUE FUND TAX EXEMPT FUND 670928100 138 15000 PRN
NUVEEN MUNICIPAL VALUE FUND TAX EXEMPT FUND 670928100 35 3800 PRN
OMNICOM GROUP COMMON STOCK 681919106 264 3300 SH
OMNICOM GROUP COMMON STOCK 681919106 4 48 SH
ORACLE SYSTEMS CORP. COMMON STOCK 68389X105 2488 67012 SH
ORACLE SYSTEMS CORP. COMMON STOCK 68389X105 61 1650 SH
OWENS CORNING COMMON STOCK 69073F103 189 5500 SH
OWENS CORNING COMMON STOCK 69073F103 17 500 SH
OWENS ILLINOIS INC. COMMON STOCK 690768403 868 26550 SH
PLC SYSTEMS, INC COMMON STOCK 69341D104 231 66100 SH
PNC BANK CORP COMMON STOCK 693475105 1699 29476 SH
PNC BANK CORP COMMON STOCK 693475105 75 1300 SH
PPG INDUSTRIES, INC. COMMON STOCK 693506107 1195 20235 SH
PPG INDUSTRIES, INC. COMMON STOCK 693506107 142 2400 SH
PPG INDUSTRIES, INC. COMMON STOCK 693506107 328 5550 SH
PARK PLACE ENTERTAINMENT CORP COMMON STOCK 700690100 29 3000 SH
PARK PLACE ENTERTAINMENT CORP COMMON STOCK 700690100 73 7600 SH
PAYCHEX, INC. COMMON STOCK 704326107 374 11749 SH
PAYCHEX, INC. COMMON STOCK 704326107 36 1125 SH
PEOPLE'S HERITAGE FINANCIAL GRP COMMON STOCK 711147108 551 29290 SH
PEOPLE'S HERITAGE FINANCIAL GRP COMMON STOCK 711147108 881 46812 SH
PEPSICO INC COMMON STOCK 713448108 7321 189235 SH
PEPSICO INC COMMON STOCK 713448108 6 150 SH
PEPSICO INC COMMON STOCK 713448108 3549 91728 SH
PFIZER INC COMMON STOCK 717081103 4230 38805 SH
PFIZER INC COMMON STOCK 717081103 11 100 SH
PFIZER INC COMMON STOCK 717081103 2344 21503 SH
PHILIP MORRIS COS INC. COMMON STOCK 718154107 1218 30300 SH
PHILIP MORRIS COS INC. COMMON STOCK 718154107 96 2400 SH
PHILIP MORRIS COS INC. COMMON STOCK 718154107 1674 41650 SH
PHILLIPS PETROLEUM CO COMMON STOCK 718507106 1192 23685 SH
PHILLIPS PETROLEUM CO COMMON STOCK 718507106 60 1200 SH
PHILLIPS PETROLEUM CO COMMON STOCK 718507106 99 1974 SH
PITNEY BOWES COMMON STOCK 724479100 4005 62342 SH
PITNEY BOWES COMMON STOCK 724479100 1463 22775 SH
PRECISION CAST PARTS COMMON STOCK 740189105 170 4000 SH
PRECISION CAST PARTS COMMON STOCK 740189105 47 1100 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 11789 132091 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 718 8050 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 7174 80380 SH
PROFIT RECOVERY GROUP INTL INC COMMON STOCK 743168106 237 5000 SH
PROVIDIAN FINANCIAL CORP COMMON STOCK 74406A102 56 600 SH
PROVIDIAN FINANCIAL CORP COMMON STOCK 74406A102 648 6950 SH
QUADRAX CORP COMMON STOCK 746905405 0 15800 SH
QUAKER OATS CO. COMMON STOCK 747402105 526 7925 SH
QUAKER OATS CO. COMMON STOCK 747402105 46 700 SH
QUAKER OATS CO. COMMON STOCK 747402105 827 12460 SH
QUALCOMM CORP COMMON STOCK 747525103 72 500 SH
QUALCOMM CORP COMMON STOCK 747525103 172 1200 SH
QUESTAR CORP. COMMON STOCK 748356102 86 4500 SH
QUESTAR CORP. COMMON STOCK 748356102 159 8288 SH
RAYTHEON CO. COMMON STOCK 755111408 2541 36038 SH
RAYTHEON CO. COMMON STOCK 755111408 166 2350 SH
RAYTHEON CO. COMMON STOCK 755111408 1533 21750 SH
ROCHESTER GAS & ELEC CORP COMMON STOCK 771367109 464 17450 SH
ROCHESTER GAS & ELEC CORP COMMON STOCK 771367109 8 300 SH
ROCHESTER GAS & ELEC CORP COMMON STOCK 771367109 32 1200 SH
ROCKWELL INTL CORP COMMON STOCK 773903109 372 6125 SH
ROCKWELL INTL CORP COMMON STOCK 773903109 94 1550 SH
ROCKWELL INTL CORP COMMON STOCK 773903109 213 3512 SH
ROHM & HAAS INC. COMMON STOCK 775371107 1670 38959 SH
ROHM & HAAS INC. COMMON STOCK 775371107 225 5250 SH
ROSS STORES INC COMMON STOCK 778296103 620 12300 SH
ROSS STORES INC COMMON STOCK 778296103 65 1300 SH
ROYAL DUTCH PETROLEUM CO. FOREIGN STOCK 780257804 1571 26079 SH
ROYAL DUTCH PETROLEUM CO. FOREIGN STOCK 780257804 1088 18052 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 2952 50895 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 75 1300 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 2385 41126 SH
SAFEWAY INC. COMMON STOCK 786514208 3861 78009 SH
SAFEWAY INC. COMMON STOCK 786514208 168 3400 SH
SARA LEE CORP COMMON STOCK 803111103 2379 104840 SH
SARA LEE CORP COMMON STOCK 803111103 9 400 SH
SARA LEE CORP COMMON STOCK 803111103 259 11400 SH
SCANA CORP. COMMON STOCK 805898103 120 5146 SH
SCANA CORP. COMMON STOCK 805898103 89 3800 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 13871 264208 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 121 2300 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 3944 75130 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 988 15510 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 512 8038 SH
SEAGATE TECHNOLOGY COMMON STOCK 811804103 1569 61225 SH
SEAGATE TECHNOLOGY COMMON STOCK 811804103 21 800 SH
SEAGRAM COMPANY LTD. FOREIGN STOCK 811850106 81 1600 SH
SEAGRAM COMPANY LTD. FOREIGN STOCK 811850106 171 3400 SH
SEARS ROEBUCK & CO COMMON STOCK 812387108 756 16974 SH
SEARS ROEBUCK & CO COMMON STOCK 812387108 58 1300 SH
SEARS ROEBUCK & CO COMMON STOCK 812387108 221 4966 SH
SELFCARE INC COMMON STOCK 81631R107 31 10000 SH
SEMPRA ENERGY COMMON STOCK 816851109 685 30267 SH
SEMPRA ENERGY COMMON STOCK 816851109 95 4210 SH
SHERWIN-WILLIAMS COMPANY COMMON STOCK 824348106 226 8150 SH
SHERWIN-WILLIAMS COMPANY COMMON STOCK 824348106 69 2500 SH
SMITH INTERNATIONAL, INC. COMMON STOCK 832110100 130 3000 SH
SMITH INTERNATIONAL, INC. COMMON STOCK 832110100 91 2100 SH
SMITHKLINE BEECHAM FOREIGN STOCK 832378301 72 1090 SH
SMITHKLINE BEECHAM FOREIGN STOCK 832378301 264 4000 SH
SOLECTRON CORP COMMON STOCK 834182107 407 6100 SH
SOLUTIA INC COMMON STOCK 834376105 564 26469 SH
SOLUTIA INC COMMON STOCK 834376105 21 1000 SH
SOLUTIA INC COMMON STOCK 834376105 100 4693 SH
SOUTHDOWN INC. COMMON STOCK 841297104 753 11720 SH
SOUTHDOWN INC. COMMON STOCK 841297104 175 2721 SH
SOUTHERN CO COMMON STOCK 842587107 167 6312 SH
SOUTHERN CO COMMON STOCK 842587107 69 2600 SH
SOUTHERN CO COMMON STOCK 842587107 175 6600 SH
SOUTHWEST AIRLINES COMMON STOCK 844741108 186 5972 SH
SOUTHWEST AIRLINES COMMON STOCK 844741108 51 1639 SH
SPRINT CORPORATION COM COMMON STOCK 852061100 3220 60752 SH
SPRINT CORPORATION COM COMMON STOCK 852061100 233 4400 SH
SPRINT CORPORATION COM COMMON STOCK 852061506 212 3721 SH
SPRINT CORPORATION COM COMMON STOCK 852061506 68 1200 SH
STANLEY WORKS COMMON STOCK 854616109 58 1800 SH
STANLEY WORKS COMMON STOCK 854616109 201 6252 SH
STATE STREET CORP COMMON STOCK 857477103 1750 20500 SH
STATE STREET CORP COMMON STOCK 857477103 926 10850 SH
STERLING SOFTWARE, INC. COMMON STOCK 859547101 201 7600 SH
STERLING SOFTWARE, INC. COMMON STOCK 859547101 13 480 SH
SUN MICROSYSTEMS INC. COMMON STOCK 866810104 5439 78975 SH
SUN MICROSYSTEMS INC. COMMON STOCK 866810104 14 200 SH
SUN MICROSYSTEMS INC. COMMON STOCK 866810104 758 11010 SH
SYSCO CORP. COMMON STOCK 871829107 221 7425 SH
SYSCO CORP. COMMON STOCK 871829107 247 8300 SH
TECO ENERGY INC. COMMON STOCK 872375100 357 15688 SH
TECO ENERGY INC. COMMON STOCK 872375100 303 13300 SH
TJX COMPANIES COMMON STOCK 872540109 4395 131940 SH
TJX COMPANIES COMMON STOCK 872540109 77 2312 SH
TJX COMPANIES COMMON STOCK 872540109 179 5364 SH
TRW INC. COMMON STOCK 872649108 935 17046 SH
TRW INC. COMMON STOCK 872649108 496 9035 SH
TANDY CORP. COMMON STOCK 875382103 235 4800 SH
TANDY CORP. COMMON STOCK 875382103 5 94 SH
TELLABS INC COMMON STOCK 879664100 4740 70150 SH
TELLABS INC COMMON STOCK 879664100 41 600 SH
TELLABS INC COMMON STOCK 879664100 220 3250 SH
TEXACO INC COMMON STOCK 881694103 3093 49586 SH
TEXACO INC COMMON STOCK 881694103 131 2100 SH
TEXACO INC COMMON STOCK 881694103 1497 24002 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 1579 10967 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 1875 13020 SH
TEXAS UTILITIES CO COMMON STOCK 882848104 145 3500 SH
TEXAS UTILITIES CO COMMON STOCK 882848104 42 1025 SH
TEXAS UTILITIES CO COMMON STOCK 882848104 97 2346 SH
TEXTRON INC COMMON STOCK 883203101 1978 24036 SH
TEXTRON INC COMMON STOCK 883203101 258 3130 SH
TIDEWATER INC COMMON STOCK 886423102 790 25900 SH
TIDEWATER INC COMMON STOCK 886423102 15 500 SH
TIDEWATER INC COMMON STOCK 886423102 18 585 SH
TIME WARNER, INC. COMMON STOCK 887315109 432 5950 SH
TIME WARNER, INC. COMMON STOCK 887315109 7 100 SH
TIME WARNER, INC. COMMON STOCK 887315109 682 9395 SH
TORONTO DOMINION BANK FOREIGN STOCK 891160509 378 8300 SH
TRICON GLOBAL RESTAURANTS COMMON STOCK 895953107 148 2735 SH
TRICON GLOBAL RESTAURANTS COMMON STOCK 895953107 246 4540 SH
TRIBUNE CO NEW COMMON STOCK 896047107 2126 24400 SH
TYCO INTL LTD COMMON STOCK 902124106 7330 77360 SH
TYCO INTL LTD COMMON STOCK 902124106 9 100 SH
TYCO INTL LTD COMMON STOCK 902124106 1568 16546 SH
UAL CORP COMMON STOCK 902549500 940 14550 SH
UAL CORP COMMON STOCK 902549500 45 700 SH
UNUM CORP. COMMON STOCK 903192102 307 5610 SH
UNUM CORP. COMMON STOCK 903192102 680 12424 SH
UNAPIX ENTERTAINMENT INC. COMMON STOCK 904270105 109 34040 SH
UNION PACIFIC CORP COMMON STOCK 907818108 713 12230 SH
UNION PACIFIC CORP COMMON STOCK 907818108 1341 23002 SH
UNITED STATES CELLULAR CORP COMMON STOCK 911684108 214 4000 SH
US WEST INC NEW COMMON STOCK 91273H101 565 9619 SH
US WEST INC NEW COMMON STOCK 91273H101 284 4827 SH
US TRUST CORP COMMON STOCK 91288L105 344 3718 SH
US TRUST CORP COMMON STOCK 91288L105 94 1018 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 13329 185128 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 94 1300 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 1925 26743 SH
UNITIL CORP. COMMON COMMON STOCK 913259107 254 10090 SH
UNITIL CORP. COMMON COMMON STOCK 913259107 736 29226 SH
UNOCAL CORP. COMMON STOCK 915289102 271 6828 SH
UNOCAL CORP. COMMON STOCK 915289102 124 3125 SH
US FREIGHTWAYS CORP COMMON STOCK 916906100 306 6600 SH
V F CORP. COMMON STOCK 918204108 433 10120 SH
V F CORP. COMMON STOCK 918204108 9 200 SH
V F CORP. COMMON STOCK 918204108 212 4948 SH
VALASSIS COMMUNICATIONS INC COMMON STOCK 918866104 220 6000 SH
VALASSIS COMMUNICATIONS INC COMMON STOCK 918866104 2 57 SH
WAL-MART STORES COMMON STOCK 931142103 19496 404066 SH
WAL-MART STORES COMMON STOCK 931142103 733 15193 SH
WALGREEN COMPANY COMMON STOCK 931422109 321 10922 SH
WALGREEN COMPANY COMMON STOCK 931422109 9 300 SH
WALGREEN COMPANY COMMON STOCK 931422109 99 3360 SH
WARNER-LAMBERT CO COMMON STOCK 934488107 2294 33183 SH
WARNER-LAMBERT CO COMMON STOCK 934488107 7 100 SH
WARNER-LAMBERT CO COMMON STOCK 934488107 3434 49676 SH
WASHINGTON TRUST BANCORP., INC. COMMON STOCK 940610108 214 11893 SH
WASHINGTON TRUST BANCORP., INC. COMMON STOCK 940610108 1426 79210 SH
WATSON PHARMACEUTICAL INC COMMON STOCK 942683103 966 27560 SH
WATSON PHARMACEUTICAL INC COMMON STOCK 942683103 230 6550 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 862 20170 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 36 850 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 191 4460 SH
WILLIAMS COMPANIES INC COMMON STOCK 969457100 6806 159903 SH
WILLIAMS COMPANIES INC COMMON STOCK 969457100 249 5850 SH
WILLIAMS COMPANIES INC COMMON STOCK 969457100 3060 71904 SH
WISCONSIN ENERGY CORP. COMMON STOCK 976657106 315 12586 SH
WISCONSIN ENERGY CORP. COMMON STOCK 976657106 175 6975 SH
XEROX CORP COMMON STOCK 984121103 444 7515 SH
XEROX CORP COMMON STOCK 984121103 304 5150 SH
XYBERNAUT CORP COMMON STOCK 984149104 308 96610 SH
DAIMLERCHRYSLER AG FOREIGN STOCK D1668R123 4435 49826 SH
DAIMLERCHRYSLER AG FOREIGN STOCK D1668R123 11 124 SH
DAIMLERCHRYSLER AG FOREIGN STOCK D1668R123 615 6907 SH
TOMMY HILFIGER COMMON STOCK G8915Z102 1972 26926 SH
TOMMY HILFIGER COMMON STOCK G8915Z102 72 986 SH
ABINGTON BANCORP COMMON STOCK 00350P100 240 17600 SH
ANDOVER BANCORP, INC. COMMON STOCK 034258103 289 9200 SH
BOSTONFED BANCORP INC. COMMON STOCK 101178101 499 28000 SH
FIRST FED OF EAST HARTFORD COMMON STOCK 319944104 623 24800 SH
FIRST ESSEX BANCORP, INC. COMMON STOCK 320103104 1154 72700 SH
GRANITE STATE BANKSHARES, INC. COMMON STOCK 387472103 2300 100000 SH
MEDFORD BANCORP, INC. COMMON STOCK 584131106 864 48000 SH
NEW MILFORD BANK & TRUST COMMON STOCK 629189101 140 9500 SH
NEW ENGLAND COMMUNITY BNCP COMMON STOCK 643890106 1257 47000 SH
SEACOAST FINANCIAL SERVICES COMMON STOCK 81170Q106 3767 325832 SH
TYCO INTERNATIONAL LTD. COMMON STOCK 902124106 19 5630 SH
NAME OF ISSUER INVSTMT OTHER VOTING AUTHORITY
SECURITY NAME DISCRTN MANAGERS SOLE SHARED NONE
A T & T SOLE 396392
A T & T SOLE 8381
A T & T DEFINED 2900
A T & T DEFINED 9 2790
A T & T OTHER 78719
A T & T OTHER 1570
ABBOTT LABORATORIES SOLE 151064
ABBOTT LABORATORIES SOLE 175
ABBOTT LABORATORIES DEFINED 9 3400
ABBOTT LABORATORIES OTHER 25160
ABBOTT LABORATORIES OTHER 4000
ABBOTT LABORATORIES OTHER 12 2000
ADOBE SYS INC SOLE 3200
ADOBE SYS INC SOLE 150
ADOBE SYS INC OTHER 200
AETNA INC. SOLE 3082
AETNA INC. OTHER 4502
AIR PRODUCTS & CHEMICALS INC SOLE 31040
AIR PRODUCTS & CHEMICALS INC SOLE 200
AIR PRODUCTS & CHEMICALS INC OTHER 8900
AIRTOUCH COMMUNICATIONS INC. SOLE 6668
AIRTOUCH COMMUNICATIONS INC. OTHER 5218
AIRTOUCH COMMUNICATIONS INC. OTHER 150
ALASKA AIR GROUP SOLE 5500
ALBERTSONS INC. SOLE 7573
ALBERTSONS INC. SOLE 100
ALBERTSONS INC. OTHER 9400
ALCOA INC SOLE 7334
ALCOA INC SOLE 600
ALCOA INC OTHER 2600
ALLEGHENY ENERGY INC SOLE 4920
ALLEGHENY ENERGY INC SOLE 300
ALLEGHENY ENERGY INC OTHER 3560
ALLERGAN, INC SOLE 16582
ALLERGAN, INC SOLE 100
ALLERGAN, INC OTHER 400
ALLIED SIGNAL INC SOLE 141371
ALLIED SIGNAL INC SOLE 16870
ALLIED SIGNAL INC DEFINED 3800
ALLIED SIGNAL INC OTHER 37202
ALLIED SIGNAL INC OTHER 100
ALLSTATE CORP SOLE 21925
ALLSTATE CORP OTHER 6200
ALLSTATE CORP OTHER 50
ALLTEL CORPORATION SOLE 15260
ALLTEL CORPORATION OTHER 5151
ALLTEL CORPORATION OTHER 2150
AMERICA ONLINE INC SOLE 3230
AMERICA ONLINE INC OTHER 750
AMERICAN EXPRESS CO SOLE 166775
AMERICAN EXPRESS CO SOLE 6600
AMERICAN EXPRESS CO DEFINED 1400
AMERICAN EXPRESS CO OTHER 6922
AMERICAN EXPRESS CO OTHER 12 2000
AMERICAN GENERAL CORP. SOLE 2760
AMERICAN HOME PRODUCTS CORP. SOLE 104702
AMERICAN HOME PRODUCTS CORP. SOLE 10875
AMERICAN HOME PRODUCTS CORP. DEFINED 3400
AMERICAN HOME PRODUCTS CORP. DEFINED 9 7000
AMERICAN HOME PRODUCTS CORP. OTHER 84556
AMERICAN HOME PRODUCTS CORP. OTHER 400
AMERICAN HOME PRODUCTS CORP. OTHER 12 1600
AMERICAN INTERNATIONAL GROUP SOLE 186605
AMERICAN INTERNATIONAL GROUP SOLE 2125
AMERICAN INTERNATIONAL GROUP DEFINED 3981
AMERICAN INTERNATIONAL GROUP DEFINED 9 3543
AMERICAN INTERNATIONAL GROUP OTHER 297116
AMERICAN INTERNATIONAL GROUP OTHER 2209
AMERICAN INTERNATIONAL GROUP OTHER 12 675
AMERICAN POWER CONVERSION SOLE 10000
AMERICAN POWER CONVERSION OTHER 10000
AMERITECH CORP.-COMMON NEW SOLE 69092
AMERITECH CORP.-COMMON NEW SOLE 11000
AMERITECH CORP.-COMMON NEW OTHER 26282
AMGEN INC. SOLE 19503
AMGEN INC. SOLE 150
AMGEN INC. OTHER 5625
ANHEUSER-BUSCH COMPANIES, INC. SOLE 170925
ANHEUSER-BUSCH COMPANIES, INC. SOLE 375
ANHEUSER-BUSCH COMPANIES, INC. DEFINED 1400
ANHEUSER-BUSCH COMPANIES, INC. OTHER 17723
AON CORP SOLE 7815
AON CORP OTHER 4387
ARGUSS HLDGS INC SOLE 763813
ARMSTRONG WORLD IND. SOLE 11537
ARMSTRONG WORLD IND. DEFINED 500
ARMSTRONG WORLD IND. DEFINED 9 1000
ARMSTRONG WORLD IND. OTHER 2200
ASSOCIATES FIRST CAPITAL CORP SOLE 7158
ASSOCIATES FIRST CAPITAL CORP DEFINED 200
ASSOCIATES FIRST CAPITAL CORP OTHER 3526
ATLANTIC RICHFIELD CO SOLE 21665
ATLANTIC RICHFIELD CO DEFINED 500
ATLANTIC RICHFIELD CO DEFINED 9 1180
ATLANTIC RICHFIELD CO OTHER 17710
AUTOMATIC DATA PROCESSING INC. SOLE 197935
AUTOMATIC DATA PROCESSING INC. SOLE 32200
AUTOMATIC DATA PROCESSING INC. DEFINED 11400
AUTOMATIC DATA PROCESSING INC. OTHER 68598
AUTOMATIC DATA PROCESSING INC. OTHER 2400
AVERY DENNISON CORP. SOLE 38125
AVERY DENNISON CORP. SOLE 425
AVERY DENNISON CORP. DEFINED 200
AVERY DENNISON CORP. OTHER 8776
AVNET, INC. SOLE 9710
AVNET, INC. OTHER 1950
AVON PRODUCTS INC SOLE 5824
AVON PRODUCTS INC SOLE 250
AVON PRODUCTS INC DEFINED 620
AVON PRODUCTS INC OTHER 200
BCE INC. SOLE 6252
BEC ENERGY SOLE 10627
BEC ENERGY DEFINED 300
BEC ENERGY OTHER 500
BP AMOCO PLC SOLE 55334
BP AMOCO PLC SOLE 396
BP AMOCO PLC DEFINED 1600
BP AMOCO PLC OTHER 18171
BANK OF AMERICA CORP SOLE 213529
BANK OF AMERICA CORP SOLE 10800
BANK OF AMERICA CORP DEFINED 1700
BANK OF AMERICA CORP OTHER 17861
BANK OF AMERICA CORP OTHER 100
BANK OF NEW YORK CO. INC SOLE 3040
BANK OF NEW YORK CO. INC OTHER 19752
BANK ONE CORP SOLE 4501
BANK ONE CORP OTHER 4360
BANKBOSTON CORP SOLE 98561
BANKBOSTON CORP SOLE 1300
BANKBOSTON CORP DEFINED 600
BANKBOSTON CORP OTHER 29536
BANKBOSTON CORP OTHER 50
BAXTER INTERNATIONAL INC. SOLE 3603
BAXTER INTERNATIONAL INC. OTHER 2527
BECTON DICKINSON & CO SOLE 17500
BECTON DICKINSON & CO DEFINED 1110
BECTON DICKINSON & CO OTHER 4300
BELL ATLANTIC CORP. SOLE 238419
BELL ATLANTIC CORP. SOLE 2975
BELL ATLANTIC CORP. DEFINED 7724
BELL ATLANTIC CORP. DEFINED 9 4600
BELL ATLANTIC CORP. OTHER 76719
BELL ATLANTIC CORP. OTHER 1750
BELLSOUTH CORPORATION SOLE 163212
BELLSOUTH CORPORATION SOLE 350
BELLSOUTH CORPORATION DEFINED 2600
BELLSOUTH CORPORATION OTHER 64980
BELLSOUTH CORPORATION OTHER 2700
A H BELO CORP SOLE 127000
A H BELO CORP OTHER 120
BERKSHIRE HATHAWAY DEL SOLE 41
BERKSHIRE HATHAWAY DEL DEFINED 9 36
BERKSHIRE HATHAWAY DEL OTHER 532
BESTFOODS SOLE 32300
BESTFOODS DEFINED 9 1900
BESTFOODS OTHER 27766
BIOGEN, INC. SOLE 9274
BIOGEN, INC. SOLE 450
BIOGEN, INC. OTHER 600
BIOGEN, INC. OTHER 400
BOEING CO. SOLE 34826
BOEING CO. SOLE 600
BOEING CO. DEFINED 2481
BOEING CO. DEFINED 9 500
BOEING CO. OTHER 12533
BRIGGS & STRATTON CORP SOLE 14244
BRIGGS & STRATTON CORP OTHER 7100
BRISTOL-MYERS SQUIBB CO. SOLE 311752
BRISTOL-MYERS SQUIBB CO. SOLE 2600
BRISTOL-MYERS SQUIBB CO. DEFINED 4450
BRISTOL-MYERS SQUIBB CO. OTHER 140822
BRISTOL-MYERS SQUIBB CO. OTHER 1400
BRISTOL-MYERS SQUIBB CO. OTHER 12 1600
BURLINGTON NORTHERN SOLE 6700
BURLINGTON NORTHERN DEFINED 10
BURLINGTON NORTHERN OTHER 3670
CBS CORP SOLE 2825
CBS CORP OTHER 4000
CIGNA SOLE 198725
CIGNA SOLE 7600
CIGNA OTHER 1350
CVS CORP SOLE 38434
CVS CORP OTHER 10980
CVS CORP OTHER 12 700
CAMPBELL SOUP CO SOLE 8220
CAMPBELL SOUP CO SOLE 2800
CAMPBELL SOUP CO OTHER 16600
CANANDAIGUA BRANDS INC SOLE 8092
CARNIVAL CRUISE SOLE 83725
CARNIVAL CRUISE SOLE 150
CARNIVAL CRUISE OTHER 6075
CATERPILLAR TRACTOR CO SOLE 106250
CATERPILLAR TRACTOR CO SOLE 200
CATERPILLAR TRACTOR CO OTHER 400
CENTRAL & SOUTH WEST CORP SOLE 6300
CENTRAL & SOUTH WEST CORP OTHER 3932
CHASE MANHATTAN CORP SOLE 80024
CHASE MANHATTAN CORP SOLE 300
CHASE MANHATTAN CORP OTHER 14528
CHEVRON CORP. SOLE 189438
CHEVRON CORP. SOLE 550
CHEVRON CORP. DEFINED 450
CHEVRON CORP. OTHER 36369
CHUBB CORP. SOLE 1504
CHUBB CORP. SOLE 700
CHUBB CORP. OTHER 1700
CIRCUIT CITY STORES SOLE 11700
CIRCUIT CITY STORES OTHER 888
CISCO SYSTEMS SOLE 162842
CISCO SYSTEMS SOLE 3100
CISCO SYSTEMS DEFINED 1000
CISCO SYSTEMS OTHER 31742
CITIGROUP INC SOLE 291596
CITIGROUP INC SOLE 8426
CITIGROUP INC DEFINED 1758
CITIGROUP INC OTHER 47693
CITIGROUP INC OTHER 12 1435
CLOROX CO. SOLE 65870
CLOROX CO. SOLE 100
CLOROX CO. DEFINED 100
CLOROX CO. OTHER 9226
COCA-COLA CO. SOLE 231674
COCA-COLA CO. SOLE 14800
COCA-COLA CO. DEFINED 3500
COCA-COLA CO. OTHER 126973
COCA-COLA CO. OTHER 2600
COCA-COLA CO. OTHER 12 4000
COLGATE-PALMOLIVE CO. SOLE 20491
COLGATE-PALMOLIVE CO. SOLE 1700
COLGATE-PALMOLIVE CO. DEFINED 100
COLGATE-PALMOLIVE CO. OTHER 14650
COMERICA INC. SOLE 4803
COMERICA INC. OTHER 3858
COMPAQ COMPUTER SOLE 201298
COMPAQ COMPUTER SOLE 15700
COMPAQ COMPUTER DEFINED 1000
COMPAQ COMPUTER OTHER 15151
COMPAQ COMPUTER OTHER 12 1000
COMPUWARE CORPORATION SOLE 7470
COMPUWARE CORPORATION SOLE 600
COMPUWARE CORPORATION DEFINED 808
COMPUWARE CORPORATION OTHER 330
COMVERSE TECHNOLOGY INC. SOLE 3196
COMVERSE TECHNOLOGY INC. OTHER 48
CONCORD EFS INC SOLE 6050
CONEXANT SYSTEMS INC SOLE 2200
CONEXANT SYSTEMS INC DEFINED 9 625
CONEXANT SYSTEMS INC OTHER 1131
CONSECO INC SOLE 51645
CONSECO INC SOLE 1200
CONSECO INC DEFINED 1074
CONSECO INC OTHER 7127
CONSOLIDATED EDISON INC. SOLE 2713
CONSOLIDATED EDISON INC. OTHER 5600
CONSOLIDATED NATURAL GAS CO SOLE 6744
CONSOLIDATED NATURAL GAS CO SOLE 150
CONSOLIDATED NATURAL GAS CO OTHER 701
CONSTELLATION ENERGY CORP SOLE 9320
CONSTELLATION ENERGY CORP SOLE 400
CONSTELLATION ENERGY CORP DEFINED 300
CORNING INCORPORATED SOLE 950
CORNING INCORPORATED SOLE 100
CORNING INCORPORATED OTHER 5200
COUNTRYWIDE CREDIT INDS INC SOLE 17027
COUNTRYWIDE CREDIT INDS INC DEFINED 200
COUNTRYWIDE CREDIT INDS INC OTHER 750
CROWN CORK & SEAL SOLE 2883
CROWN CORK & SEAL OTHER 5200
DQE INC. SOLE 45700
DQE INC. OTHER 2466
DTE ENERGY CO SOLE 5350
DTE ENERGY CO SOLE 150
DTE ENERGY CO OTHER 600
DANA CORP. SOLE 9222
DANA CORP. DEFINED 9 4088
DANA CORP. OTHER 3395
DAYTON-HUDSON SOLE 4850
DAYTON-HUDSON SOLE 150
DAYTON-HUDSON OTHER 4175
DEERE & CO. SOLE 2852
DEERE & CO. OTHER 3022
DELL COMPUTER SOLE 136390
DELL COMPUTER SOLE 1600
DELL COMPUTER DEFINED 1000
DELL COMPUTER OTHER 17200
DELL COMPUTER OTHER 600
DELPHI AUTOMOTIVE SYS CORP SOLE 4208
DELPHI AUTOMOTIVE SYS CORP DEFINED 335
DELPHI AUTOMOTIVE SYS CORP OTHER 6529
DIAL CORP NEW SOLE 26075
DIAL CORP NEW OTHER 3650
DIEBOLD, INC. SOLE 6226
DIEBOLD, INC. OTHER 14818
WALT DISNEY CO. SOLE 242325
WALT DISNEY CO. SOLE 15900
WALT DISNEY CO. DEFINED 13800
WALT DISNEY CO. OTHER 31375
WALT DISNEY CO. OTHER 1020
RR DONNELLEY & SONS SOLE 7100
RR DONNELLEY & SONS DEFINED 800
RR DONNELLEY & SONS OTHER 4875
DOVER CORP. SOLE 13500
DOW CHEMICAL CO SOLE 34623
DOW CHEMICAL CO DEFINED 327
DOW CHEMICAL CO OTHER 10625
E.I. DUPONT deNEMOURS & CO. SOLE 221355
E.I. DUPONT deNEMOURS & CO. SOLE 9150
E.I. DUPONT deNEMOURS & CO. DEFINED 5700
E.I. DUPONT deNEMOURS & CO. OTHER 44295
E.I. DUPONT deNEMOURS & CO. OTHER 200
DUKE ENERGY CORP. SOLE 7625
DUKE ENERGY CORP. OTHER 5081
E M C CORP MASS SOLE 36150
E M C CORP MASS SOLE 200
E M C CORP MASS OTHER 22050
EASTMAN CHEMICAL SOLE 375
EASTMAN CHEMICAL OTHER 5622
EASTMAN KODAK CO SOLE 8319
EASTMAN KODAK CO SOLE 1200
EASTMAN KODAK CO OTHER 19936
EDISON INTERNATIONAL SOLE 8164
EDISON INTERNATIONAL OTHER 800
A G EDWARDS INC SOLE 15192
A G EDWARDS INC SOLE 150
A G EDWARDS INC OTHER 5725
ELECTRONIC DATA SYSTEMS SOLE 2138
ELECTRONIC DATA SYSTEMS SOLE 300
ELECTRONIC DATA SYSTEMS OTHER 3082
EMERSON ELECTRIC CO. SOLE 20981
EMERSON ELECTRIC CO. SOLE 2800
EMERSON ELECTRIC CO. DEFINED 3300
EMERSON ELECTRIC CO. OTHER 13010
ENERGYNORTH, INC. SOLE 17277
ENERGYNORTH, INC. OTHER 2533
ENRON CORP. SOLE 20275
ENRON CORP. OTHER 15270
EXXON CORP SOLE 280824
EXXON CORP SOLE 7075
EXXON CORP DEFINED 1550
EXXON CORP DEFINED 9 3200
EXXON CORP OTHER 165820
EXXON CORP OTHER 1300
FPL GROUP SOLE 58078
FPL GROUP SOLE 400
FPL GROUP DEFINED 900
FPL GROUP OTHER 10579
FEDERAL HOME LOAN SOLE 88455
FEDERAL HOME LOAN DEFINED 860
FEDERAL HOME LOAN OTHER 25122
FEDERAL NATIONAL MORTGAGE ASSN SOLE 58063
FEDERAL NATIONAL MORTGAGE ASSN SOLE 1900
FEDERAL NATIONAL MORTGAGE ASSN DEFINED 2000
FEDERAL NATIONAL MORTGAGE ASSN OTHER 15680
FEDERAL NATIONAL MORTGAGE ASSN OTHER 2000
FEDERATED DEPT STORES, INC. SOLE 23950
FEDERATED DEPT STORES, INC. SOLE 650
FIRST UNION CORP SOLE 156756
FIRST UNION CORP SOLE 600
FIRST UNION CORP DEFINED 350
FIRST UNION CORP OTHER 28091
FIRSTAR CORP NEW WIS SOLE 22692
FIRSTAR CORP NEW WIS OTHER 4485
FLEET FINANCIAL GROUP, INC. SOLE 122885
FLEET FINANCIAL GROUP, INC. SOLE 900
FLEET FINANCIAL GROUP, INC. DEFINED 9500
FLEET FINANCIAL GROUP, INC. OTHER 55611
FLEET FINANCIAL GROUP, INC. OTHER 3856
FLEET FINANCIAL GROUP, INC. OTHER 12 9200
FLEETWOOD ENTERPRISES SOLE 14700
FLEETWOOD ENTERPRISES OTHER 1000
FLOWERS INDS INC SOLE 10080
FLUOR CORP. SOLE 4000
FLUOR CORP. OTHER 1695
FORD MOTOR CO SOLE 21783
FORD MOTOR CO SOLE 200
FORD MOTOR CO DEFINED 350
FORD MOTOR CO OTHER 8287
FORD MOTOR CO OTHER 100
FORTUNE BRANDS INC SOLE 6275
FORTUNE BRANDS INC DEFINED 700
FORTUNE BRANDS INC OTHER 2570
GTE CORP. SOLE 102133
GTE CORP. SOLE 500
GTE CORP. DEFINED 150
GTE CORP. OTHER 30554
GTE CORP. OTHER 1000
GANNETT INC. SOLE 1880
GANNETT INC. OTHER 1990
GAP, INC. SOLE 344992
GAP, INC. SOLE 450
GAP, INC. DEFINED 150
GAP, INC. OTHER 4518
GATEWAY INC COM SOLE 30050
GATEWAY INC COM SOLE 100
GATEWAY INC COM DEFINED 308
GATEWAY INC COM OTHER 300
GENERAL ELECTRIC CO SOLE 534996
GENERAL ELECTRIC CO SOLE 14000
GENERAL ELECTRIC CO DEFINED 12700
GENERAL ELECTRIC CO DEFINED 9 2800
GENERAL ELECTRIC CO OTHER 254105
GENERAL ELECTRIC CO OTHER 4100
GENERAL ELECTRIC CO OTHER 12 1800
GENERAL MILLS INC SOLE 10950
GENERAL MILLS INC SOLE 700
GENERAL MILLS INC OTHER 4050
GENERAL MOTORS CORP. SOLE 27735
GENERAL MOTORS CORP. DEFINED 480
GENERAL MOTORS CORP. OTHER 9351
GENTEX SOLE 5200
GENTEX OTHER 10000
GENUINE PARTS SOLE 8917
GENUINE PARTS OTHER 9205
GEORGIA-PACIFIC CORP SOLE 3944
GEORGIA-PACIFIC CORP SOLE 100
GEORGIA-PACIFIC CORP OTHER 2694
GILLETTE CO SOLE 122313
GILLETTE CO SOLE 1900
GILLETTE CO DEFINED 225
GILLETTE CO OTHER 41149
GILLETTE CO OTHER 700
GILLETTE CO OTHER 12 1000
GLAXO WELLCOME PLC SOLE 2800
GLAXO WELLCOME PLC OTHER 2470
B. F. GOODRICH SOLE 41475
B. F. GOODRICH SOLE 300
B. F. GOODRICH OTHER 900
GOODYEAR TIRE & RUBBER CO SOLE 13126
GOODYEAR TIRE & RUBBER CO SOLE 300
GOODYEAR TIRE & RUBBER CO OTHER 464
GRAINGER W W INC SOLE 7350
GRAINGER W W INC DEFINED 800
GRAINGER W W INC OTHER 1700
GUIDANT CORPORATION SOLE 16510
GUIDANT CORPORATION SOLE 225
GUIDANT CORPORATION DEFINED 600
GUIDANT CORPORATION OTHER 872
HCR MANOR CARE INC SOLE 7300
HCR MANOR CARE INC DEFINED 9 1500
HCR MANOR CARE INC OTHER 3500
HALLIBURTON CO SOLE 82025
HALLIBURTON CO SOLE 825
HALLIBURTON CO DEFINED 9 2600
HALLIBURTON CO OTHER 23385
HARCOURT GENERAL INC. SOLE 3840
HARCOURT GENERAL INC. OTHER 300
HARCOURT GENERAL INC. OTHER 500
HARRIS CORPORATION SOLE 10400
HARRIS CORPORATION OTHER 1100
HASBRO, INC. SOLE 13842
HASBRO, INC. DEFINED 750
HASBRO, INC. OTHER 3975
HASBRO, INC. OTHER 12 6243
H.J. HEINZ CO. SOLE 5320
H.J. HEINZ CO. OTHER 4200
HERSHEY FOODS CORP. SOLE 43821
HERSHEY FOODS CORP. OTHER 9458
HERTZ CORP SOLE 5700
HERTZ CORP SOLE 200
HERTZ CORP OTHER 100
HEWLETT PACKARD CO SOLE 89200
HEWLETT PACKARD CO SOLE 700
HEWLETT PACKARD CO DEFINED 2800
HEWLETT PACKARD CO OTHER 16600
HEWLETT PACKARD CO OTHER 950
HOME DEPOT INC. SOLE 61425
HOME DEPOT INC. SOLE 5000
HOME DEPOT INC. DEFINED 1700
HOME DEPOT INC. OTHER 10760
HONEYWELL INC SOLE 1800
HONEYWELL INC OTHER 4955
HONEYWELL INC OTHER 100
HOUSEHOLD INTERNATIONAL INC. SOLE 9400
HOUSEHOLD INTERNATIONAL INC. OTHER 3066
HUBBELL INC. SOLE 7236
HUBBELL INC. OTHER 6496
IMS HEALTH INC SOLE 1000
IMS HEALTH INC SOLE 5400
IMS HEALTH INC OTHER 1600
IDEXX LABS, INC. SOLE 45857
INGERSOLL-RAND CO. SOLE 700
INGERSOLL-RAND CO. SOLE 300
INGERSOLL-RAND CO. OTHER 2664
INTEL CORP SOLE 391381
INTEL CORP SOLE 13150
INTEL CORP DEFINED 1700
INTEL CORP DEFINED 9 3000
INTEL CORP OTHER 72230
INTEL CORP OTHER 3500
INTEL CORP OTHER 12 600
INTERNATIONAL BUSINESS MACHINES SOLE 253162
INTERNATIONAL BUSINESS MACHINES SOLE 8400
INTERNATIONAL BUSINESS MACHINES DEFINED 1800
INTERNATIONAL BUSINESS MACHINES OTHER 73306
INTERNATIONAL BUSINESS MACHINES OTHER 2800
INTERNATIONAL BUSINESS MACHINES OTHER 12 1200
INTERNATIONAL PAPER CO SOLE 8425
INTERNATIONAL PAPER CO OTHER 7896
INTERPUBLIC GROUP COS INC SOLE 19977
INTERPUBLIC GROUP COS INC OTHER 5051
INTERSTATE BAKERIES SOLE 12050
INTERSYSTEMS, INC. OTHER 10000
JOHNSON & JOHNSON SOLE 297696
JOHNSON & JOHNSON SOLE 5200
JOHNSON & JOHNSON DEFINED 6600
JOHNSON & JOHNSON DEFINED 9 1700
JOHNSON & JOHNSON OTHER 95497
JOHNSON & JOHNSON OTHER 1140
JOHNSON & JOHNSON OTHER 12 500
JOHNSON CONTROLS INC SOLE 108005
JOHNSON CONTROLS INC SOLE 100
JOHNSON CONTROLS INC DEFINED 800
JOHNSON CONTROLS INC OTHER 20902
JONES APPAREL SOLE 22500
JONES APPAREL OTHER 296
KANSAS CITY SOUTHERN IND INC SOLE 5471
KANSAS CITY SOUTHERN IND INC OTHER 1725
KEYCORP SOLE 6168
KEYCORP OTHER 2882
KIMBERLY CLARK SOLE 67109
KIMBERLY CLARK SOLE 750
KIMBERLY CLARK DEFINED 700
KIMBERLY CLARK OTHER 20394
LEGGETT & PLATT INC SOLE 7600
ELI LILLY & CO. SOLE 20970
ELI LILLY & CO. SOLE 100
ELI LILLY & CO. DEFINED 650
ELI LILLY & CO. OTHER 9200
LOWE'S COMPANIES INC SOLE 3550
LOWE'S COMPANIES INC OTHER 300
LUCENT TECHNOLOGIES INC SOLE 609240
LUCENT TECHNOLOGIES INC SOLE 27808
LUCENT TECHNOLOGIES INC DEFINED 5216
LUCENT TECHNOLOGIES INC DEFINED 9 3252
LUCENT TECHNOLOGIES INC OTHER 138816
LUCENT TECHNOLOGIES INC OTHER 1712
LUCENT TECHNOLOGIES INC OTHER 12 2000
MCI WORLDCOM INC SOLE 44777
MCI WORLDCOM INC SOLE 450
MCI WORLDCOM INC DEFINED 100
MCI WORLDCOM INC OTHER 2643
MARSH & MCLENNAN SOLE 20323
MARRIOTT INTL' INC. NEW SOLE 45400
MARRIOTT INTL' INC. NEW OTHER 600
MAY DEPARTMENT STORES SOLE 24732
MAY DEPARTMENT STORES DEFINED 600
MAY DEPARTMENT STORES OTHER 7648
MCDONALDS CORP. SOLE 234489
MCDONALDS CORP. SOLE 340
MCDONALDS CORP. DEFINED 8200
MCDONALDS CORP. OTHER 30940
MCDONALDS CORP. OTHER 5900
MCGRAW-HILL, INC. SOLE 3743
MCGRAW-HILL, INC. SOLE 800
MCGRAW-HILL, INC. OTHER 4600
MCKESSON HBOC INC SOLE 20652
MCKESSON HBOC INC SOLE 600
MCKESSON HBOC INC DEFINED 400
MCKESSON HBOC INC OTHER 628
MEAD CORP. SOLE 12550
MEAD CORP. OTHER 5100
MEDIAONE GROUP INC. SOLE 88309
MEDIAONE GROUP INC. OTHER 992
MEDIAONE GROUP INC. OTHER 12 1487
MEDIAONE GROUP INC. SOLE 22284
MEDIAONE GROUP INC. OTHER 12 435
MEDTRONIC INC SOLE 41263
MEDTRONIC INC SOLE 600
MEDTRONIC INC DEFINED 500
MEDTRONIC INC OTHER 7250
MEDTRONIC INC OTHER 400
MELLON BANK SOLE 15446
MELLON BANK OTHER 13560
MERCK & CO., INC. SOLE 417779
MERCK & CO., INC. SOLE 18600
MERCK & CO., INC. DEFINED 9700
MERCK & CO., INC. OTHER 130033
MERCK & CO., INC. OTHER 4800
MERRILL LYNCH & CO. INC. SOLE 7075
MERRILL LYNCH & CO. INC. OTHER 6100
MICROSOFT CORP SOLE 289911
MICROSOFT CORP SOLE 22500
MICROSOFT CORP DEFINED 3300
MICROSOFT CORP OTHER 56050
MICROSOFT CORP OTHER 3000
MICROSOFT CORP OTHER 12 1600
MINNESOTA MINING & MFG CO. SOLE 89004
MINNESOTA MINING & MFG CO. SOLE 85
MINNESOTA MINING & MFG CO. DEFINED 2400
MINNESOTA MINING & MFG CO. DEFINED 9 1700
MINNESOTA MINING & MFG CO. OTHER 15086
MINNESOTA MINING & MFG CO. OTHER 956
MOBIL CORP. SOLE 112507
MOBIL CORP. DEFINED 400
MOBIL CORP. OTHER 50972
MOBIL CORP. OTHER 800
MONSANTO CO SOLE 58129
MONSANTO CO DEFINED 675
MONSANTO CO DEFINED 9 3100
MONSANTO CO OTHER 39507
J P MORGAN & CO SOLE 34815
J P MORGAN & CO SOLE 1250
J P MORGAN & CO DEFINED 350
J P MORGAN & CO DEFINED 9 1500
J P MORGAN & CO OTHER 33712
J P MORGAN & CO OTHER 300
MORGAN STANLEY SOLE 37881
MORGAN STANLEY SOLE 250
MORGAN STANLEY OTHER 3820
MOTOROLA INC SOLE 16850
MOTOROLA INC SOLE 850
MOTOROLA INC DEFINED 100
MOTOROLA INC DEFINED 9 650
MOTOROLA INC OTHER 4750
NATIONAL CITY CORP. SOLE 15625
NATIONAL CITY CORP. OTHER 500
NATIONAL FUEL GAS COMPANY OTHER 5116
NEW ENGLAND ELECTRIC SYS SOLE 7707
NEW ENGLAND ELECTRIC SYS OTHER 4094
NEW YORK TIMES SOLE 62700
NEW YORK TIMES OTHER 1600
NEWELL RUBBERMAID INC SOLE 9182
NEWELL RUBBERMAID INC DEFINED 700
NEXTEL COMMUNICATIONS SOLE 5800
NIELSEN MEDIA RESH INC SOLE 8600
NIELSEN MEDIA RESH INC OTHER 263
NIKE, INC. CLASS B SOLE 4500
NISOURCE INC SOLE 7464
NISOURCE INC OTHER 4552
NORFOLK SOUTHERN CORP. SOLE 86575
NORFOLK SOUTHERN CORP. DEFINED 9 4500
NORFOLK SOUTHERN CORP. OTHER 30671
NORTHERN STATES PWR CO SOLE 7950
NORTHERN STATES PWR CO OTHER 4900
NUVEEN SELECT TAX FREE OTHER 11910
NUVEEN MUNICIPAL VALUE FUND SOLE 15000
NUVEEN MUNICIPAL VALUE FUND OTHER 3800
OMNICOM GROUP SOLE 3300
OMNICOM GROUP OTHER 48
ORACLE SYSTEMS CORP. SOLE 66862
ORACLE SYSTEMS CORP. SOLE 150
ORACLE SYSTEMS CORP. OTHER 1650
OWENS CORNING SOLE 5500
OWENS CORNING OTHER 500
OWENS ILLINOIS INC. SOLE 26550
PLC SYSTEMS, INC SOLE 66100
PNC BANK CORP SOLE 29276
PNC BANK CORP SOLE 200
PNC BANK CORP OTHER 1300
PPG INDUSTRIES, INC. SOLE 20135
PPG INDUSTRIES, INC. SOLE 100
PPG INDUSTRIES, INC. DEFINED 1000
PPG INDUSTRIES, INC. DEFINED 9 1400
PPG INDUSTRIES, INC. OTHER 5550
PARK PLACE ENTERTAINMENT CORP SOLE 3000
PARK PLACE ENTERTAINMENT CORP OTHER 7600
PAYCHEX, INC. SOLE 5844
PAYCHEX, INC. SOLE 5905
PAYCHEX, INC. OTHER 1125
PEOPLE'S HERITAGE FINANCIAL GRP SOLE 29290
PEOPLE'S HERITAGE FINANCIAL GRP OTHER 46812
PEPSICO INC SOLE 188435
PEPSICO INC SOLE 800
PEPSICO INC DEFINED 150
PEPSICO INC OTHER 89928
PEPSICO INC OTHER 1800
PFIZER INC SOLE 38405
PFIZER INC SOLE 400
PFIZER INC DEFINED 100
PFIZER INC OTHER 21503
PHILIP MORRIS COS INC. SOLE 30300
PHILIP MORRIS COS INC. DEFINED 2400
PHILIP MORRIS COS INC. OTHER 40750
PHILIP MORRIS COS INC. OTHER 12 900
PHILLIPS PETROLEUM CO SOLE 23285
PHILLIPS PETROLEUM CO SOLE 400
PHILLIPS PETROLEUM CO DEFINED 1200
PHILLIPS PETROLEUM CO OTHER 1824
PHILLIPS PETROLEUM CO OTHER 150
PITNEY BOWES SOLE 62017
PITNEY BOWES SOLE 325
PITNEY BOWES OTHER 22775
PRECISION CAST PARTS SOLE 4000
PRECISION CAST PARTS OTHER 1100
PROCTER & GAMBLE CO SOLE 123291
PROCTER & GAMBLE CO SOLE 8800
PROCTER & GAMBLE CO DEFINED 4650
PROCTER & GAMBLE CO DEFINED 9 3400
PROCTER & GAMBLE CO OTHER 80280
PROCTER & GAMBLE CO OTHER 100
PROFIT RECOVERY GROUP INTL INC SOLE 5000
PROVIDIAN FINANCIAL CORP SOLE 600
PROVIDIAN FINANCIAL CORP OTHER 6950
QUADRAX CORP SOLE 15800
QUAKER OATS CO. SOLE 7925
QUAKER OATS CO. DEFINED 700
QUAKER OATS CO. OTHER 12460
QUALCOMM CORP SOLE 500
QUALCOMM CORP DEFINED 1200
QUESTAR CORP. SOLE 4500
QUESTAR CORP. OTHER 7488
QUESTAR CORP. OTHER 800
RAYTHEON CO. SOLE 36038
RAYTHEON CO. DEFINED 9 2350
RAYTHEON CO. OTHER 20550
RAYTHEON CO. OTHER 1200
ROCHESTER GAS & ELEC CORP SOLE 17450
ROCHESTER GAS & ELEC CORP DEFINED 300
ROCHESTER GAS & ELEC CORP OTHER 1200
ROCKWELL INTL CORP SOLE 6125
ROCKWELL INTL CORP DEFINED 300
ROCKWELL INTL CORP DEFINED 9 1250
ROCKWELL INTL CORP OTHER 3512
ROHM & HAAS INC. SOLE 38959
ROHM & HAAS INC. OTHER 5250
ROSS STORES INC SOLE 12300
ROSS STORES INC OTHER 1300
ROYAL DUTCH PETROLEUM CO. SOLE 25979
ROYAL DUTCH PETROLEUM CO. SOLE 100
ROYAL DUTCH PETROLEUM CO. OTHER 16452
ROYAL DUTCH PETROLEUM CO. OTHER 1600
SBC COMMUNICATIONS INC SOLE 50477
SBC COMMUNICATIONS INC SOLE 418
SBC COMMUNICATIONS INC DEFINED 1300
SBC COMMUNICATIONS INC OTHER 39396
SBC COMMUNICATIONS INC OTHER 1730
SAFEWAY INC. SOLE 78009
SAFEWAY INC. OTHER 3400
SARA LEE CORP SOLE 103940
SARA LEE CORP SOLE 900
SARA LEE CORP DEFINED 400
SARA LEE CORP OTHER 9200
SARA LEE CORP OTHER 2200
SCANA CORP. SOLE 5146
SCANA CORP. OTHER 3800
SCHERING-PLOUGH CORP SOLE 246308
SCHERING-PLOUGH CORP SOLE 17900
SCHERING-PLOUGH CORP DEFINED 1300
SCHERING-PLOUGH CORP DEFINED 9 1000
SCHERING-PLOUGH CORP OTHER 71930
SCHERING-PLOUGH CORP OTHER 3200
SCHLUMBERGER LTD SOLE 13010
SCHLUMBERGER LTD SOLE 2500
SCHLUMBERGER LTD OTHER 8038
SEAGATE TECHNOLOGY SOLE 60925
SEAGATE TECHNOLOGY SOLE 300
SEAGATE TECHNOLOGY DEFINED 800
SEAGRAM COMPANY LTD. SOLE 1600
SEAGRAM COMPANY LTD. OTHER 3400
SEARS ROEBUCK & CO SOLE 16974
SEARS ROEBUCK & CO DEFINED 9 1300
SEARS ROEBUCK & CO OTHER 4966
SELFCARE INC SOLE 10000
SEMPRA ENERGY SOLE 30267
SEMPRA ENERGY OTHER 4210
SHERWIN-WILLIAMS COMPANY SOLE 7800
SHERWIN-WILLIAMS COMPANY SOLE 350
SHERWIN-WILLIAMS COMPANY OTHER 2500
SMITH INTERNATIONAL, INC. SOLE 3000
SMITH INTERNATIONAL, INC. OTHER 2100
SMITHKLINE BEECHAM SOLE 1090
SMITHKLINE BEECHAM OTHER 3600
SMITHKLINE BEECHAM OTHER 400
SOLECTRON CORP SOLE 6100
SOLUTIA INC SOLE 26169
SOLUTIA INC SOLE 300
SOLUTIA INC DEFINED 1000
SOLUTIA INC OTHER 4693
SOUTHDOWN INC. SOLE 11720
SOUTHDOWN INC. OTHER 2721
SOUTHERN CO SOLE 6312
SOUTHERN CO DEFINED 2600
SOUTHERN CO OTHER 6600
SOUTHWEST AIRLINES SOLE 5722
SOUTHWEST AIRLINES SOLE 250
SOUTHWEST AIRLINES OTHER 1639
SPRINT CORPORATION COM SOLE 60252
SPRINT CORPORATION COM SOLE 500
SPRINT CORPORATION COM OTHER 4400
SPRINT CORPORATION COM SOLE 3521
SPRINT CORPORATION COM SOLE 200
SPRINT CORPORATION COM OTHER 1200
STANLEY WORKS SOLE 1800
STANLEY WORKS OTHER 6252
STATE STREET CORP SOLE 20500
STATE STREET CORP OTHER 10850
STERLING SOFTWARE, INC. SOLE 7600
STERLING SOFTWARE, INC. OTHER 480
SUN MICROSYSTEMS INC. SOLE 78825
SUN MICROSYSTEMS INC. SOLE 150
SUN MICROSYSTEMS INC. DEFINED 200
SUN MICROSYSTEMS INC. OTHER 10610
SUN MICROSYSTEMS INC. OTHER 400
SYSCO CORP. SOLE 7425
SYSCO CORP. OTHER 3200
SYSCO CORP. OTHER 5100
TECO ENERGY INC. SOLE 15688
TECO ENERGY INC. OTHER 13300
TJX COMPANIES SOLE 130765
TJX COMPANIES SOLE 1175
TJX COMPANIES DEFINED 2312
TJX COMPANIES OTHER 5164
TJX COMPANIES OTHER 200
TRW INC. SOLE 17046
TRW INC. OTHER 9035
TANDY CORP. SOLE 4800
TANDY CORP. OTHER 94
TELLABS INC SOLE 69950
TELLABS INC SOLE 200
TELLABS INC DEFINED 600
TELLABS INC OTHER 3250
TEXACO INC SOLE 48886
TEXACO INC SOLE 700
TEXACO INC DEFINED 500
TEXACO INC DEFINED 9 1600
TEXACO INC OTHER 23602
TEXACO INC OTHER 400
TEXAS INSTRUMENTS INC SOLE 9067
TEXAS INSTRUMENTS INC SOLE 1900
TEXAS INSTRUMENTS INC OTHER 13020
TEXAS UTILITIES CO SOLE 3500
TEXAS UTILITIES CO DEFINED 1025
TEXAS UTILITIES CO OTHER 2346
TEXTRON INC SOLE 24036
TEXTRON INC OTHER 3130
TIDEWATER INC SOLE 25550
TIDEWATER INC SOLE 350
TIDEWATER INC DEFINED 500
TIDEWATER INC OTHER 585
TIME WARNER, INC. SOLE 5600
TIME WARNER, INC. SOLE 350
TIME WARNER, INC. DEFINED 100
TIME WARNER, INC. OTHER 9395
TORONTO DOMINION BANK SOLE 8300
TRICON GLOBAL RESTAURANTS SOLE 2735
TRICON GLOBAL RESTAURANTS OTHER 4540
TRIBUNE CO NEW SOLE 24400
TYCO INTL LTD SOLE 76535
TYCO INTL LTD SOLE 825
TYCO INTL LTD DEFINED 100
TYCO INTL LTD OTHER 15540
TYCO INTL LTD OTHER 1006
UAL CORP SOLE 14550
UAL CORP OTHER 700
UNUM CORP. SOLE 5610
UNUM CORP. OTHER 12424
UNAPIX ENTERTAINMENT INC. OTHER 34040
UNION PACIFIC CORP SOLE 12130
UNION PACIFIC CORP SOLE 100
UNION PACIFIC CORP OTHER 23002
UNITED STATES CELLULAR CORP SOLE 4000
US WEST INC NEW SOLE 9519
US WEST INC NEW SOLE 100
US WEST INC NEW OTHER 4827
US TRUST CORP SOLE 3718
US TRUST CORP OTHER 1018
UNITED TECHNOLOGIES CORP SOLE 178928
UNITED TECHNOLOGIES CORP SOLE 6200
UNITED TECHNOLOGIES CORP DEFINED 1300
UNITED TECHNOLOGIES CORP OTHER 25343
UNITED TECHNOLOGIES CORP OTHER 1400
UNITIL CORP. COMMON SOLE 10090
UNITIL CORP. COMMON OTHER 29226
UNOCAL CORP. SOLE 6828
UNOCAL CORP. OTHER 3125
US FREIGHTWAYS CORP SOLE 6600
V F CORP. SOLE 10120
V F CORP. DEFINED 200
V F CORP. OTHER 4948
VALASSIS COMMUNICATIONS INC SOLE 6000
VALASSIS COMMUNICATIONS INC OTHER 57
WAL-MART STORES SOLE 403566
WAL-MART STORES SOLE 500
WAL-MART STORES OTHER 12645
WAL-MART STORES OTHER 2548
WALGREEN COMPANY SOLE 10922
WALGREEN COMPANY DEFINED 300
WALGREEN COMPANY OTHER 3360
WARNER-LAMBERT CO SOLE 33083
WARNER-LAMBERT CO SOLE 100
WARNER-LAMBERT CO DEFINED 100
WARNER-LAMBERT CO OTHER 49676
WASHINGTON TRUST BANCORP., INC. SOLE 11893
WASHINGTON TRUST BANCORP., INC. OTHER 77185
WASHINGTON TRUST BANCORP., INC. OTHER 12 2025
WATSON PHARMACEUTICAL INC SOLE 27560
WATSON PHARMACEUTICAL INC OTHER 6550
WELLS FARGO & CO NEW SOLE 20170
WELLS FARGO & CO NEW DEFINED 850
WELLS FARGO & CO NEW OTHER 4460
WILLIAMS COMPANIES INC SOLE 159903
WILLIAMS COMPANIES INC DEFINED 150
WILLIAMS COMPANIES INC DEFINED 9 5700
WILLIAMS COMPANIES INC OTHER 70904
WILLIAMS COMPANIES INC OTHER 1000
WISCONSIN ENERGY CORP. SOLE 12586
WISCONSIN ENERGY CORP. OTHER 6975
XEROX CORP SOLE 6840
XEROX CORP SOLE 675
XEROX CORP OTHER 5150
XYBERNAUT CORP OTHER 96610
DAIMLERCHRYSLER AG SOLE 49826
DAIMLERCHRYSLER AG DEFINED 124
DAIMLERCHRYSLER AG OTHER 6907
TOMMY HILFIGER SOLE 26726
TOMMY HILFIGER SOLE 200
TOMMY HILFIGER OTHER 886
TOMMY HILFIGER OTHER 100
ABINGTON BANCORP SOLE 17600
ANDOVER BANCORP, INC. SOLE 9200
BOSTONFED BANCORP INC. SOLE 28000
FIRST FED OF EAST HARTFORD SOLE 24800
FIRST ESSEX BANCORP, INC. SOLE 72700
GRANITE STATE BANKSHARES, INC. SOLE 100000
MEDFORD BANCORP, INC. SOLE 48000
NEW MILFORD BANK & TRUST SOLE 9500
NEW ENGLAND COMMUNITY BNCP SOLE 47000
SEACOAST FINANCIAL SERVICES SOLE 325832
TYCO INTERNATIONAL LTD. SOLE 5630
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