[DESCRIPTION] FORM 13F
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 03/31/1999
Check here if Amendment [ ] Amendment Number:
This Amendment [ ] is a restatement
[ ] adds new holding entries
Institutional Investment Manager Filing this Report:
Name: CITIZENS FINANCIAL GROUP, INC. (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:
MICHAEL MCMENNAMIN PROVIDENCE, RI 05/13/1999
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: 683
Form 13F Information Table Value Total: $ 1,311,651
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 15685 196529 SH
A T & T COMMON STOCK 001957109 268 3360 SH
A T & T COMMON STOCK 001957109 3986 49936 SH
A T & T COMMON STOCK 001957208 243 4628 SH
ABBOTT LABORATORIES COMMON STOCK 002824100 7025 150057 SH
ABBOTT LABORATORIES COMMON STOCK 002824100 159 3400 SH
ABBOTT LABORATORIES COMMON STOCK 002824100 1464 31270 SH
AEGON NV FOREIGN STOCK 007924103 31 344 SH
AEGON NV FOREIGN STOCK 007924103 492 5472 SH
AETNA INC. COMMON STOCK 008117103 255 3067 SH
AETNA INC. COMMON STOCK 008117103 530 6385 SH
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 1124 32830 SH
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 312 9100 SH
AIRTOUCH COMMUNICATIONS INC. COMMON STOCK 00949T100 677 7008 SH
AIRTOUCH COMMUNICATIONS INC. COMMON STOCK 00949T100 499 5168 SH
ALASKA AIR GROUP COMMON STOCK 011659109 271 5700 SH
ALBERTSONS INC. COMMON STOCK 013104104 391 7176 SH
ALBERTSONS INC. COMMON STOCK 013104104 517 9500 SH
ALCOA INC COMMON STOCK 013817101 311 7550 SH
ALCOA INC COMMON STOCK 013817101 107 2600 SH
ALLEGHENY ENERGY INC COMMON STOCK 017361106 136 4620 SH
ALLEGHENY ENERGY INC COMMON STOCK 017361106 253 8560 SH
ALLERGAN, INC COMMON STOCK 018490102 1371 15607 SH
ALLERGAN, INC COMMON STOCK 018490102 35 400 SH
ALLIED SIGNAL INC COMMON STOCK 019512102 6758 137390 SH
ALLIED SIGNAL INC COMMON STOCK 019512102 187 3800 SH
ALLIED SIGNAL INC COMMON STOCK 019512102 2139 43486 SH
ALLSTATE CORP COMMON STOCK 020002101 826 22275 SH
ALLSTATE CORP COMMON STOCK 020002101 237 6400 SH
ALLTEL CORPORATION COMMON STOCK 020039103 939 15060 SH
ALLTEL CORPORATION COMMON STOCK 020039103 440 7051 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 456 3100 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 37 250 SH
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 97 2434 SH
AMERICAN ELECTRIC POWER CO COMMON STOCK 025537101 106 2660 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 20179 171375 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 165 1400 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 1174 9972 SH
AMERICAN HOME PRODUCTS CORP. COMMON STOCK 026609107 7746 118708 SH
AMERICAN HOME PRODUCTS CORP. COMMON STOCK 026609107 770 11800 SH
AMERICAN HOME PRODUCTS CORP. COMMON STOCK 026609107 5769 88416 SH
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874107 22229 184284 SH
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874107 458 3793 SH
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874107 41106 340776 SH
AMERICAN POWER CONVERSION COMMON STOCK 029066107 108 4000 SH
AMERICAN POWER CONVERSION COMMON STOCK 029066107 216 8000 SH
AMERITECH CORP.-COMMON NEW COMMON STOCK 030954101 4598 79799 SH
AMERITECH CORP.-COMMON NEW COMMON STOCK 030954101 1548 26858 SH
AMGEN INC. COMMON STOCK 031162100 1231 16440 SH
AMGEN INC. COMMON STOCK 031162100 414 5525 SH
AMP INC. COMMON STOCK 031897101 332 6209 SH
AMRESCO INC COMMON STOCK 031909104 127 16500 SH
ANHEUSER-BUSCH COMPANIES, INC. COMMON STOCK 035229103 5128 67365 SH
ANHEUSER-BUSCH COMPANIES, INC. COMMON STOCK 035229103 107 1400 SH
ANHEUSER-BUSCH COMPANIES, INC. COMMON STOCK 035229103 1273 16723 SH
AON CORP COMMON STOCK 037389103 336 5309 SH
AON CORP COMMON STOCK 037389103 185 2925 SH
ARMSTRONG WORLD IND. COMMON STOCK 042476101 521 11537 SH
ARMSTRONG WORLD IND. COMMON STOCK 042476101 68 1500 SH
ARMSTRONG WORLD IND. COMMON STOCK 042476101 113 2500 SH
ASCEND COMMUNICATIONS COMMON STOCK 043491109 234 2800 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 379 8432 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 124 2760 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 1442 19725 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 123 1680 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 1405 19210 SH
AUTOMATIC DATA PROCESSING INC. COMMON STOCK 053015103 9563 231134 SH
AUTOMATIC DATA PROCESSING INC. COMMON STOCK 053015103 132 3200 SH
AUTOMATIC DATA PROCESSING INC. COMMON STOCK 053015103 2969 71768 SH
AVERY DENNISON CORP. COMMON STOCK 053611109 2171 37750 SH
AVERY DENNISON CORP. COMMON STOCK 053611109 482 8376 SH
AVNET, INC. COMMON STOCK 053807103 397 10810 SH
AVNET, INC. COMMON STOCK 053807103 136 3700 SH
AVON PRODUCTS INC COMMON STOCK 054303102 233 4949 SH
AVON PRODUCTS INC COMMON STOCK 054303102 29 620 SH
AVON PRODUCTS INC COMMON STOCK 054303102 9 200 SH
BCE INC. FOREIGN STOCK 05534B109 277 6252 SH
BEC ENERGY COMMON STOCK 05538M101 395 10751 SH
BEC ENERGY COMMON STOCK 05538M101 11 300 SH
BEC ENERGY COMMON STOCK 05538M101 18 500 SH
BP AMOCO PLC FOREIGN STOCK 055622104 6342 62793 SH
BP AMOCO PLC FOREIGN STOCK 055622104 1880 18618 SH
BALTIMORE GAS & ELECTRIC CO COMMON STOCK 059165100 262 10320 SH
BALTIMORE GAS & ELECTRIC CO COMMON STOCK 059165100 8 300 SH
BALTIMORE GAS & ELECTRIC CO COMMON STOCK 059165100 10 400 SH
BANK OF NEW YORK CO. INC COMMON STOCK 064057102 104 2890 SH
BANK OF NEW YORK CO. INC COMMON STOCK 064057102 710 19752 SH
BANK ONE CORP COMMON STOCK 06423A103 275 5001 SH
BANK ONE CORP COMMON STOCK 06423A103 382 6936 SH
BANKAMERICA CORP NEW COMMON STOCK 06605F102 15948 225809 SH
BANKAMERICA CORP NEW COMMON STOCK 06605F102 42 600 SH
BANKAMERICA CORP NEW COMMON STOCK 06605F102 1250 17704 SH
BANKBOSTON CORP COMMON STOCK 06605R106 4236 97803 SH
BANKBOSTON CORP COMMON STOCK 06605R106 26 600 SH
BANKBOSTON CORP COMMON STOCK 06605R106 1525 35220 SH
BAXTER INTERNATIONAL INC. COMMON STOCK 071813109 260 3943 SH
BAXTER INTERNATIONAL INC. COMMON STOCK 071813109 238 3607 SH
BEAR STEARNS CO. COMMON STOCK 073902108 192 4304 SH
BEAR STEARNS CO. COMMON STOCK 073902108 15 336 SH
BEAR STEARNS CO. COMMON STOCK 073902108 0 15 SH
BECTON DICKINSON & CO COMMON STOCK 075887109 962 25100 SH
BECTON DICKINSON & CO COMMON STOCK 075887109 43 1110 SH
BECTON DICKINSON & CO COMMON STOCK 075887109 207 5400 SH
BELL ATLANTIC CORP. COMMON STOCK 077853109 12833 248288 SH
BELL ATLANTIC CORP. COMMON STOCK 077853109 386 7460 SH
BELL ATLANTIC CORP. COMMON STOCK 077853109 3978 76958 SH
BELLSOUTH CORPORATION COMMON STOCK 079860102 6946 173376 SH
BELLSOUTH CORPORATION COMMON STOCK 079860102 32 800 SH
BELLSOUTH CORPORATION COMMON STOCK 079860102 2456 61298 SH
A H BELO CORP COMMON STOCK 080555105 2533 138792 SH
A H BELO CORP COMMON STOCK 080555105 2 120 SH
BERKSHIRE HATHAWAY DEL COMMON STOCK 084670207 120 51 SH
BERKSHIRE HATHAWAY DEL COMMON STOCK 084670207 85 36 SH
BERKSHIRE HATHAWAY DEL COMMON STOCK 084670207 1251 532 SH
BESTFOODS COMMON STOCK 08658U101 1551 33010 SH
BESTFOODS COMMON STOCK 08658U101 89 1900 SH
BESTFOODS COMMON STOCK 08658U101 1643 34966 SH
BIOGEN, INC. COMMON STOCK 090597105 301 2637 SH
BIOGEN, INC. COMMON STOCK 090597105 34 300 SH
BOEING CO. COMMON STOCK 097023105 1191 35026 SH
BOEING CO. COMMON STOCK 097023105 101 2981 SH
BOEING CO. COMMON STOCK 097023105 399 11733 SH
BRIGGS & STRATTON CORP COMMON STOCK 109043109 693 14044 SH
BRIGGS & STRATTON CORP COMMON STOCK 109043109 424 8600 SH
BRISTOL-MYERS SQUIBB CO. COMMON STOCK 110122108 20339 317174 SH
BRISTOL-MYERS SQUIBB CO. COMMON STOCK 110122108 273 4250 SH
BRISTOL-MYERS SQUIBB CO. COMMON STOCK 110122108 10375 161790 SH
BURLINGTON NORTHERN COMMON STOCK 12189T104 257 7810 SH
BURLINGTON NORTHERN COMMON STOCK 12189T104 101 3070 SH
CIGNA COMMON STOCK 125509109 17210 205340 SH
CIGNA COMMON STOCK 125509109 130 1550 SH
CVS CORP COMMON STOCK 126650100 6804 143252 SH
CVS CORP COMMON STOCK 126650100 644 13550 SH
CAMPBELL SOUP CO COMMON STOCK 134429109 501 12324 SH
CAMPBELL SOUP CO COMMON STOCK 134429109 924 22700 SH
CANANDAIGUA BRANDS INC COMMON STOCK 137219200 506 10042 SH
CARNIVAL CRUISE COMMON STOCK 143658102 4156 85580 SH
CARNIVAL CRUISE COMMON STOCK 143658102 295 6075 SH
CATERPILLAR TRACTOR CO COMMON STOCK 149123101 1224 26650 SH
CATERPILLAR TRACTOR CO COMMON STOCK 149123101 32 700 SH
CATERPILLAR TRACTOR CO COMMON STOCK 149123101 18 400 SH
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 148 6300 SH
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 92 3932 SH
CHASE MANHATTAN CORP COMMON STOCK 16161A108 6178 75919 SH
CHASE MANHATTAN CORP COMMON STOCK 16161A108 1371 16852 SH
CHEVRON CORP. COMMON STOCK 166751107 7753 87354 SH
CHEVRON CORP. COMMON STOCK 166751107 3253 36649 SH
CHUBB CORP. COMMON STOCK 171232101 102 1744 SH
CHUBB CORP. COMMON STOCK 171232101 100 1700 SH
CIRCUIT CITY STORES COMMON STOCK 172737108 897 11700 SH
CIRCUIT CITY STORES COMMON STOCK 172737108 68 888 SH
CISCO SYSTEMS COMMON STOCK 17275R102 9292 84813 SH
CISCO SYSTEMS COMMON STOCK 17275R102 38 350 SH
CISCO SYSTEMS COMMON STOCK 17275R102 1638 14951 SH
CITIGROUP INC COMMON STOCK 172967101 9336 146167 SH
CITIGROUP INC COMMON STOCK 172967101 75 1172 SH
CITIGROUP INC COMMON STOCK 172967101 2342 36671 SH
CITY NATL CORP COMMON STOCK 178566105 278 9000 SH
CLOROX CO. COMMON STOCK 189054109 7772 66325 SH
CLOROX CO. COMMON STOCK 189054109 12 100 SH
CLOROX CO. COMMON STOCK 189054109 1081 9226 SH
COCA-COLA CO. COMMON STOCK 191216100 17496 285061 SH
COCA-COLA CO. COMMON STOCK 191216100 153 2500 SH
COCA-COLA CO. COMMON STOCK 191216100 7781 126773 SH
COLGATE-PALMOLIVE CO. COMMON STOCK 194162103 1961 21320 SH
COLGATE-PALMOLIVE CO. COMMON STOCK 194162103 1440 15650 SH
COMERICA INC. COMMON STOCK 200340107 300 4803 SH
COMERICA INC. COMMON STOCK 200340107 241 3858 SH
COMPAQ COMPUTER COMMON STOCK 204493100 6952 219398 SH
COMPAQ COMPUTER COMMON STOCK 204493100 32 1000 SH
COMPAQ COMPUTER COMMON STOCK 204493100 515 16251 SH
COMPUWARE CORPORATION COMMON STOCK 205638109 219 9170 SH
COMPUWARE CORPORATION COMMON STOCK 205638109 10 404 SH
COMPUWARE CORPORATION COMMON STOCK 205638109 4 165 SH
CONSECO INC COMMON STOCK 208464107 1517 49136 SH
CONSECO INC COMMON STOCK 208464107 33 1074 SH
CONSECO INC COMMON STOCK 208464107 277 8959 SH
CONSOLIDATED EDISON INC. COMMON STOCK 209115104 295 6513 SH
CONSOLIDATED EDISON INC. COMMON STOCK 209115104 63 1400 SH
CONSOLIDATED NATURAL GAS CO COMMON STOCK 209615103 336 6894 SH
CONSOLIDATED NATURAL GAS CO COMMON STOCK 209615103 34 701 SH
CORNING INCORPORATED COMMON STOCK 219350105 99 1650 SH
CORNING INCORPORATED COMMON STOCK 219350105 310 5168 SH
COUNTRYWIDE CREDIT INDS INC COMMON STOCK 222372104 595 15877 SH
COUNTRYWIDE CREDIT INDS INC COMMON STOCK 222372104 8 200 SH
COUNTRYWIDE CREDIT INDS INC COMMON STOCK 222372104 24 650 SH
CROWN CORK & SEAL COMMON STOCK 228255105 75 2633 SH
CROWN CORK & SEAL COMMON STOCK 228255105 149 5200 SH
DQE INC. COMMON STOCK 23329J104 1754 45700 SH
DQE INC. COMMON STOCK 23329J104 95 2466 SH
DTE ENERGY CO COMMON STOCK 233331107 196 5100 SH
DTE ENERGY CO COMMON STOCK 233331107 23 600 SH
DANA CORP. COMMON STOCK 235811106 369 9714 SH
DANA CORP. COMMON STOCK 235811106 155 4088 SH
DANA CORP. COMMON STOCK 235811106 144 3789 SH
DAYTON-HUDSON COMMON STOCK 239753106 258 3875 SH
DAYTON-HUDSON COMMON STOCK 239753106 245 3675 SH
DEERE & CO. COMMON STOCK 244199105 112 2902 SH
DEERE & CO. COMMON STOCK 244199105 107 2772 SH
DELL COMPUTER COMMON STOCK 247025109 5540 135540 SH
DELL COMPUTER COMMON STOCK 247025109 49 1200 SH
DELL COMPUTER COMMON STOCK 247025109 679 16600 SH
DIAL CORP NEW COMMON STOCK 25247D101 936 27225 SH
DIAL CORP NEW COMMON STOCK 25247D101 125 3650 SH
DIEBOLD, INC. COMMON STOCK 253651103 206 8563 SH
DIEBOLD, INC. COMMON STOCK 253651103 356 14818 SH
WALT DISNEY CO. COMMON STOCK 254687106 11255 361620 SH
WALT DISNEY CO. COMMON STOCK 254687106 131 4200 SH
WALT DISNEY CO. COMMON STOCK 254687106 1017 32670 SH
RR DONNELLEY & SONS COMMON STOCK 257867101 233 7250 SH
RR DONNELLEY & SONS COMMON STOCK 257867101 26 800 SH
RR DONNELLEY & SONS COMMON STOCK 257867101 173 5387 SH
DOVER CORP. COMMON STOCK 260003108 444 13500 SH
DOW CHEMICAL CO COMMON STOCK 260543103 3212 34463 SH
DOW CHEMICAL CO COMMON STOCK 260543103 30 327 SH
DOW CHEMICAL CO COMMON STOCK 260543103 1136 12195 SH
E.I. DUPONT deNEMOURS & CO. COMMON STOCK 263534109 8063 138875 SH
E.I. DUPONT deNEMOURS & CO. COMMON STOCK 263534109 215 3700 SH
E.I. DUPONT deNEMOURS & CO. COMMON STOCK 263534109 2746 47295 SH
DUKE ENERGY CORP. COMMON STOCK 264399106 423 7725 SH
DUKE ENERGY CORP. COMMON STOCK 264399106 279 5081 SH
E M C CORP MASS COMMON STOCK 268648102 1868 14625 SH
E M C CORP MASS COMMON STOCK 268648102 1475 11545 SH
EASTMAN CHEMICAL COMMON STOCK 277432100 18 425 SH
EASTMAN CHEMICAL COMMON STOCK 277432100 301 7156 SH
EASTMAN KODAK CO COMMON STOCK 277461109 602 9419 SH
EASTMAN KODAK CO COMMON STOCK 277461109 2053 32141 SH
A G EDWARDS INC COMMON STOCK 281760108 512 15667 SH
A G EDWARDS INC COMMON STOCK 281760108 187 5725 SH
ELECTRONIC DATA SYSTEMS COMMON STOCK 285661104 110 2258 SH
ELECTRONIC DATA SYSTEMS COMMON STOCK 285661104 150 3082 SH
EMERSON ELECTRIC CO. COMMON STOCK 291011104 1521 28725 SH
EMERSON ELECTRIC CO. COMMON STOCK 291011104 58 1100 SH
EMERSON ELECTRIC CO. COMMON STOCK 291011104 599 11310 SH
ENERGYNORTH, INC. COMMON STOCK 292925104 475 17277 SH
ENERGYNORTH, INC. COMMON STOCK 292925104 70 2533 SH
ENRON CORP. COMMON STOCK 293561106 1304 20300 SH
ENRON CORP. COMMON STOCK 293561106 971 15120 SH
EXXON CORP COMMON STOCK 302290101 17445 247229 SH
EXXON CORP COMMON STOCK 302290101 325 4600 SH
EXXON CORP COMMON STOCK 302290101 12656 179358 SH
FPL GROUP COMMON STOCK 302571104 3128 58743 SH
FPL GROUP COMMON STOCK 302571104 579 10879 SH
FEDERAL HOME LOAN COMMON STOCK 313400301 5292 92335 SH
FEDERAL HOME LOAN COMMON STOCK 313400301 49 860 SH
FEDERAL HOME LOAN COMMON STOCK 313400301 1563 27267 SH
FEDERAL NATIONAL MORTGAGE ASSN COMMON STOCK 313586109 4123 59538 SH
FEDERAL NATIONAL MORTGAGE ASSN COMMON STOCK 313586109 7 100 SH
FEDERAL NATIONAL MORTGAGE ASSN COMMON STOCK 313586109 1231 17780 SH
FIRST UNION CORP COMMON STOCK 337358105 8816 164981 SH
FIRST UNION CORP COMMON STOCK 337358105 19 350 SH
FIRST UNION CORP COMMON STOCK 337358105 1644 30773 SH
FIRSTAR CORP NEW WIS COMMON STOCK 33763V109 639 7144 SH
FIRSTAR CORP NEW WIS COMMON STOCK 33763V109 134 1495 SH
FLEET FINANCIAL GROUP, INC. COMMON STOCK 338915101 4665 123975 SH
FLEET FINANCIAL GROUP, INC. COMMON STOCK 338915101 357 9500 SH
FLEET FINANCIAL GROUP, INC. COMMON STOCK 338915101 2649 70405 SH
FLEETWOOD ENTERPRISES COMMON STOCK 339099103 431 15050 SH
FLEETWOOD ENTERPRISES COMMON STOCK 339099103 29 1000 SH
FLOWERS INDS INC COMMON STOCK 343496105 248 10080 SH
FORD MOTOR CO COMMON STOCK 345370100 1190 20988 SH
FORD MOTOR CO COMMON STOCK 345370100 11 200 SH
FORD MOTOR CO COMMON STOCK 345370100 445 7857 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 218 5675 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 27 700 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 37 970 SH
GTE CORP. COMMON STOCK 362320103 6211 102668 SH
GTE CORP. COMMON STOCK 362320103 2027 33504 SH
GANNETT INC. COMMON STOCK 364730101 107 1700 SH
GANNETT INC. COMMON STOCK 364730101 129 2054 SH
GAP, INC. COMMON STOCK 364760108 13899 206480 SH
GAP, INC. COMMON STOCK 364760108 7 100 SH
GAP, INC. COMMON STOCK 364760108 196 2912 SH
GATEWAY 2000 INC COMMON STOCK 367833100 2067 30150 SH
GATEWAY 2000 INC COMMON STOCK 367833100 21 308 SH
GATEWAY 2000 INC COMMON STOCK 367833100 21 300 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 64341 581610 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 1151 10400 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 31612 285755 SH
GENERAL MILLS INC COMMON STOCK 370334104 820 10850 SH
GENERAL MILLS INC COMMON STOCK 370334104 366 4850 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 2483 28535 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 42 480 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 814 9351 SH
GENTEX COMMON STOCK 371901109 129 6000 SH
GENTEX COMMON STOCK 371901109 216 10000 SH
GENUINE PARTS COMMON STOCK 372460105 257 8917 SH
GENUINE PARTS COMMON STOCK 372460105 265 9205 SH
GILLETTE CO COMMON STOCK 375766102 7241 121820 SH
GILLETTE CO COMMON STOCK 375766102 224 3775 SH
GILLETTE CO COMMON STOCK 375766102 2189 36824 SH
GLAXO WELLCOME PLC FOREIGN STOCK 37733W105 201 3000 SH
GLAXO WELLCOME PLC FOREIGN STOCK 37733W105 165 2470 SH
B. F. GOODRICH COMMON STOCK 382388106 1389 40475 SH
B. F. GOODRICH COMMON STOCK 382388106 63 1850 SH
GOODYEAR TIRE & RUBBER CO COMMON STOCK 382550101 654 13126 SH
GOODYEAR TIRE & RUBBER CO COMMON STOCK 382550101 23 464 SH
GRAINGER W W INC COMMON STOCK 384802104 322 7480 SH
GRAINGER W W INC COMMON STOCK 384802104 34 800 SH
GRAINGER W W INC COMMON STOCK 384802104 82 1900 SH
GUIDANT CORPORATION COMMON STOCK 401698105 1016 16795 SH
GUIDANT CORPORATION COMMON STOCK 401698105 36 600 SH
GUIDANT CORPORATION COMMON STOCK 401698105 53 872 SH
HCR MANOR CARE INC COMMON STOCK 404134108 268 11750 SH
HCR MANOR CARE INC COMMON STOCK 404134108 34 1500 SH
HCR MANOR CARE INC COMMON STOCK 404134108 132 5800 SH
HALLIBURTON CO COMMON STOCK 406216101 3393 88124 SH
HALLIBURTON CO COMMON STOCK 406216101 100 2600 SH
HALLIBURTON CO COMMON STOCK 406216101 921 23930 SH
HARRIS CORPORATION COMMON STOCK 413875105 352 12300 SH
HARRIS CORPORATION COMMON STOCK 413875105 92 3200 SH
HASBRO, INC. COMMON STOCK 418056107 747 25829 SH
HASBRO, INC. COMMON STOCK 418056107 35 1200 SH
HASBRO, INC. COMMON STOCK 418056107 330 11418 SH
HAWAIIAN ELEC INDUSTRIES COMMON STOCK 419870100 183 5205 SH
HAWAIIAN ELEC INDUSTRIES COMMON STOCK 419870100 18 500 SH
H.J. HEINZ CO. COMMON STOCK 423074103 290 6120 SH
H.J. HEINZ CO. COMMON STOCK 423074103 208 4400 SH
HERSHEY FOODS CORP. COMMON STOCK 427866108 3592 64065 SH
HERSHEY FOODS CORP. COMMON STOCK 427866108 575 10258 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 6025 88844 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 183 2700 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 1433 21130 SH
HILTON HOTELS CORP. COMMON STOCK 432848109 44 3100 SH
HILTON HOTELS CORP. COMMON STOCK 432848109 107 7600 SH
HOME DEPOT INC. COMMON STOCK 437076102 4201 67490 SH
HOME DEPOT INC. COMMON STOCK 437076102 112 1800 SH
HOME DEPOT INC. COMMON STOCK 437076102 602 9670 SH
HONEYWELL INC COMMON STOCK 438506107 136 1800 SH
HONEYWELL INC COMMON STOCK 438506107 538 7100 SH
HOUSEHOLD INTERNATIONAL INC. COMMON STOCK 441815107 429 9400 SH
HOUSEHOLD INTERNATIONAL INC. COMMON STOCK 441815107 181 3966 SH
HUBBELL INC. COMMON STOCK 443510201 298 7456 SH
HUBBELL INC. COMMON STOCK 443510201 303 7570 SH
IMS HEALTH INC COMMON STOCK 449934108 212 6400 SH
IMS HEALTH INC COMMON STOCK 449934108 40 1200 SH
IDEXX LABS, INC. COMMON STOCK 45168D104 1098 45857 SH
INTEL CORP COMMON STOCK 458140100 24203 203603 SH
INTEL CORP COMMON STOCK 458140100 273 2300 SH
INTEL CORP COMMON STOCK 458140100 4728 39770 SH
INTERNATIONAL BUSINESS MACHINES COMMON STOCK 459200101 19398 109440 SH
INTERNATIONAL BUSINESS MACHINES COMMON STOCK 459200101 142 800 SH
INTERNATIONAL BUSINESS MACHINES COMMON STOCK 459200101 9017 50873 SH
INTERNATIONAL PAPER CO COMMON STOCK 460146103 357 8465 SH
INTERNATIONAL PAPER CO COMMON STOCK 460146103 333 7896 SH
INTERPUBLIC GROUP COS INC COMMON STOCK 460690100 1567 20127 SH
INTERPUBLIC GROUP COS INC COMMON STOCK 460690100 405 5201 SH
INTERSTATE BAKERIES COMMON STOCK 46072H108 419 19450 SH
INTERSYSTEMS, INC. COMMON STOCK 460920101 8 10000 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 27774 297052 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 626 6700 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 9084 97157 SH
JOHNSON CONTROLS INC COMMON STOCK 478366107 6798 108980 SH
JOHNSON CONTROLS INC COMMON STOCK 478366107 50 800 SH
JOHNSON CONTROLS INC COMMON STOCK 478366107 1419 22752 SH
JONES APPAREL COMMON STOCK 480074103 662 23700 SH
JONES APPAREL COMMON STOCK 480074103 8 296 SH
KANSAS CITY SOUTHERN IND INC COMMON STOCK 485170104 358 6275 SH
KANSAS CITY SOUTHERN IND INC COMMON STOCK 485170104 110 1925 SH
KEYCORP COMMON STOCK 493267108 85 2800 SH
KEYCORP COMMON STOCK 493267108 138 4550 SH
KIMBERLY CLARK COMMON STOCK 494368103 3221 67199 SH
KIMBERLY CLARK COMMON STOCK 494368103 34 700 SH
KIMBERLY CLARK COMMON STOCK 494368103 1035 21594 SH
ELI LILLY & CO. COMMON STOCK 532457108 1780 20970 SH
ELI LILLY & CO. COMMON STOCK 532457108 51 600 SH
ELI LILLY & CO. COMMON STOCK 532457108 794 9350 SH
LOCKHEED MARTIN CORP COMMON STOCK 539830109 60 1600 SH
LOCKHEED MARTIN CORP COMMON STOCK 539830109 12 320 SH
LOCKHEED MARTIN CORP COMMON STOCK 539830109 215 5688 SH
LOWE'S COMPANIES INC COMMON STOCK 548661107 191 3150 SH
LOWE'S COMPANIES INC COMMON STOCK 548661107 18 300 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 34154 316238 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 354 3276 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 8306 76907 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 3830 43242 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 9 100 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 252 2843 SH
MAGNETEK INC COMMON STOCK 559424106 87 10400 SH
MARSH & MCLENNAN COMMON STOCK 571748102 1644 22148 SH
MARRIOTT INTL' INC. NEW COMMON STOCK 571903202 1527 45400 SH
MARRIOTT INTL' INC. NEW COMMON STOCK 571903202 20 600 SH
MAY DEPARTMENT STORES COMMON STOCK 577778103 1007 25733 SH
MAY DEPARTMENT STORES COMMON STOCK 577778103 23 600 SH
MAY DEPARTMENT STORES COMMON STOCK 577778103 299 7652 SH
MCDONALDS CORP. COMMON STOCK 580135101 12834 283229 SH
MCDONALDS CORP. COMMON STOCK 580135101 272 6000 SH
MCDONALDS CORP. COMMON STOCK 580135101 1826 40290 SH
MCGRAW-HILL, INC. COMMON STOCK 580645109 278 5100 SH
MCGRAW-HILL, INC. COMMON STOCK 580645109 251 4600 SH
MCKESSON HBOC INC COMMON STOCK 58155Q103 1148 17392 SH
MCKESSON HBOC INC COMMON STOCK 58155Q103 20 300 SH
MCKESSON HBOC INC COMMON STOCK 58155Q103 98 1479 SH
MEAD CORP. COMMON STOCK 582834107 386 12550 SH
MEAD CORP. COMMON STOCK 582834107 178 5800 SH
MECHANICS FINANCIAL INC COMMON STOCK 583492103 1115 35253 SH
MECHANICS FINANCIAL INC COMMON STOCK 583492103 957 30247 SH
MEDIAONE GROUP INC. COMMON STOCK 58440J104 5564 87701 SH
MEDIAONE GROUP INC. COMMON STOCK 58440J104 157 2479 SH
MEDIAONE GROUP INC. PREFERRED STOCK 58440J203 2865 22284 SH
MEDIAONE GROUP INC. PREFERRED STOCK 58440J203 56 435 SH
MEDTRONIC INC COMMON STOCK 585055106 3183 44280 SH
MEDTRONIC INC COMMON STOCK 585055106 36 500 SH
MEDTRONIC INC COMMON STOCK 585055106 518 7200 SH
MELLON BANK COMMON STOCK 585509102 570 8096 SH
MELLON BANK COMMON STOCK 585509102 477 6780 SH
MERCK & CO., INC. COMMON STOCK 589331107 35083 437848 SH
MERCK & CO., INC. COMMON STOCK 589331107 457 5700 SH
MERCK & CO., INC. COMMON STOCK 589331107 12316 153708 SH
MERRILL LYNCH & CO. INC. COMMON STOCK 590188108 670 7575 SH
MERRILL LYNCH & CO. INC. COMMON STOCK 590188108 540 6100 SH
MICROSOFT CORP COMMON STOCK 594918104 36538 407682 SH
MICROSOFT CORP COMMON STOCK 594918104 233 2600 SH
MICROSOFT CORP COMMON STOCK 594918104 5104 56950 SH
MINNESOTA MINING & MFG CO. COMMON STOCK 604059105 6328 89439 SH
MINNESOTA MINING & MFG CO. COMMON STOCK 604059105 219 3100 SH
MINNESOTA MINING & MFG CO. COMMON STOCK 604059105 1414 19992 SH
MOBIL CORP. COMMON STOCK 607059102 9958 113154 SH
MOBIL CORP. COMMON STOCK 607059102 35 400 SH
MOBIL CORP. COMMON STOCK 607059102 4591 52172 SH
MONSANTO CO COMMON STOCK 611662107 2706 58913 SH
MONSANTO CO COMMON STOCK 611662107 164 3575 SH
MONSANTO CO COMMON STOCK 611662107 2122 46192 SH
J P MORGAN & CO COMMON STOCK 616880100 4481 36320 SH
J P MORGAN & CO COMMON STOCK 616880100 228 1850 SH
J P MORGAN & CO COMMON STOCK 616880100 4456 36116 SH
MORGAN STANLEY COMMON STOCK 617446448 3703 37056 SH
MORGAN STANLEY COMMON STOCK 617446448 382 3820 SH
MORTON INTL INC COMMON STOCK 619335102 96 2600 SH
MORTON INTL INC COMMON STOCK 619335102 239 6497 SH
MOTOROLA INC COMMON STOCK 620076109 1319 18000 SH
MOTOROLA INC COMMON STOCK 620076109 48 650 SH
MOTOROLA INC COMMON STOCK 620076109 326 4450 SH
MYLAN LABS, INC. COMMON STOCK 628530107 1017 37050 SH
MYLAN LABS, INC. COMMON STOCK 628530107 22 800 SH
MYLAN LABS, INC. COMMON STOCK 628530107 30 1100 SH
NIPSCO INDUSTRIES COMMON STOCK 629140104 147 5450 SH
NIPSCO INDUSTRIES COMMON STOCK 629140104 103 3800 SH
NATIONAL CITY CORP. COMMON STOCK 635405103 1037 15625 SH
NATIONAL CITY CORP. COMMON STOCK 635405103 13 200 SH
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 201 5116 SH
NEW ENGLAND ELECTRIC SYS COMMON STOCK 644001109 353 7273 SH
NEW ENGLAND ELECTRIC SYS COMMON STOCK 644001109 206 4256 SH
NEW YORK TIMES COMMON STOCK 650111107 1787 62700 SH
NEW YORK TIMES COMMON STOCK 650111107 46 1600 SH
NEXTEL COMMUNICATIONS COMMON STOCK 65332V103 212 5800 SH
NIELSEN MEDIA RESH INC COMMON STOCK 653929307 212 8600 SH
NIELSEN MEDIA RESH INC COMMON STOCK 653929307 5 197 SH
NIKE, INC. CLASS B COMMON STOCK 654106103 260 4500 SH
NOKIA CORP FOREIGN STOCK 654902204 265 1700 SH
NORFOLK SOUTHERN CORP. COMMON STOCK 655844108 2322 88050 SH
NORFOLK SOUTHERN CORP. COMMON STOCK 655844108 119 4500 SH
NORFOLK SOUTHERN CORP. COMMON STOCK 655844108 825 31296 SH
NORTHERN STATES PWR CO COMMON STOCK 665772109 187 8050 SH
NORTHERN STATES PWR CO COMMON STOCK 665772109 114 4900 SH
NUCOR CORP COMMON STOCK 670346105 245 5550 SH
NUCOR CORP COMMON STOCK 670346105 7 150 SH
NUCOR CORP COMMON STOCK 670346105 99 2250 SH
NUVEEN SELECT TAX-FREE FIXED INCOME FU 67062F100 199 12133 SH
NUVEEN INSD QUALITY MUN FD INC TAX EXEMPT FUND 67062N103 32 2000 PRN
NUVEEN INSD QUALITY MUN FD INC TAX EXEMPT FUND 67062N103 145 9088 PRN
NUVEEN SELECT TAX EXEMPT FUND 67063C106 8 500 PRN
NUVEEN SELECT TAX EXEMPT FUND 67063C106 190 11942 PRN
NUVEEN PREMIUM INCOME FIXED INCOME FU 67063W102 385 23625 SH
NUVEEN SELECT TAX FREE UNIT INVESTMENT 67063X100 182 11910 SH
NUVEEN INSURED PREMIUM INC FD #2 FIXED INCOME FU 6706D8104 149 10957 SH
NUVEEN PREMIUM INCOME FIXED INCOME FU 6706K4105 671 45693 SH
NUVEEN MUNICIPAL VALUE FUND TAX EXEMPT FUND 670928100 148 15000 PRN
NUVEEN MUNICIPAL VALUE FUND TAX EXEMPT FUND 670928100 38 3800 PRN
NUVEEN SELECT QUALITY TAX EXEMPT FUND 670973106 310 19711 PRN
NUVEEN QUALITY INCOME MUNICIPAL FIXED INCOME FU 670977107 214 13098 SH
NUVEEN TAX EXEMPT FUND 670984103 8 500 PRN
NUVEEN TAX EXEMPT FUND 670984103 206 12483 PRN
NUVEEN PREMIER INSURED FIXED INCOME FU 670987106 197 12274 SH
OMNICOM GROUP COMMON STOCK 681919106 264 3300 SH
OMNICOM GROUP COMMON STOCK 681919106 4 48 SH
ORACLE SYSTEMS CORP. COMMON STOCK 68389X105 1704 64612 SH
ORACLE SYSTEMS CORP. COMMON STOCK 68389X105 44 1650 SH
OWENS ILLINOIS INC. COMMON STOCK 690768403 671 26850 SH
PLC SYSTEMS, INC COMMON STOCK 69341D104 169 66100 SH
PNC BANK CORP COMMON STOCK 693475105 1616 29076 SH
PNC BANK CORP COMMON STOCK 693475105 56 1000 SH
PPG INDUSTRIES, INC. COMMON STOCK 693506107 1037 20235 SH
PPG INDUSTRIES, INC. COMMON STOCK 693506107 123 2400 SH
PPG INDUSTRIES, INC. COMMON STOCK 693506107 284 5550 SH
PAYCHEX, INC. COMMON STOCK 704326107 372 7833 SH
PAYCHEX, INC. COMMON STOCK 704326107 36 750 SH
PEOPLE'S HERITAGE FINANCIAL GRP COMMON STOCK 711147108 531 29490 SH
PEOPLE'S HERITAGE FINANCIAL GRP COMMON STOCK 711147108 766 42576 SH
PEPSICO INC COMMON STOCK 713448108 7342 187350 SH
PEPSICO INC COMMON STOCK 713448108 3666 93548 SH
PFIZER INC COMMON STOCK 717081103 6155 44363 SH
PFIZER INC COMMON STOCK 717081103 2073 14943 SH
PHILIP MORRIS COS INC. COMMON STOCK 718154107 845 24003 SH
PHILIP MORRIS COS INC. COMMON STOCK 718154107 88 2500 SH
PHILIP MORRIS COS INC. COMMON STOCK 718154107 1923 54650 SH
PHILLIPS PETROLEUM CO COMMON STOCK 718507106 1335 28250 SH
PHILLIPS PETROLEUM CO COMMON STOCK 718507106 57 1200 SH
PHILLIPS PETROLEUM CO COMMON STOCK 718507106 126 2674 SH
PITNEY BOWES COMMON STOCK 724479100 3995 62660 SH
PITNEY BOWES COMMON STOCK 724479100 1548 24275 SH
PRECISION CAST PARTS COMMON STOCK 740189105 173 4300 SH
PRECISION CAST PARTS COMMON STOCK 740189105 60 1500 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 17110 174705 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 784 8000 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 8934 91225 SH
PROVIDIAN FINANCIAL CORP COMMON STOCK 74406A102 66 600 SH
PROVIDIAN FINANCIAL CORP COMMON STOCK 74406A102 1040 9450 SH
PUTNAM INVESTMENT FIXED INCOME FU 746806108 181 12144 SH
PUTNAM INVESTMENT FIXED INCOME FU 746807106 150 11085 SH
QUADRAX CORP COMMON STOCK 746905405 0 15800 SH
QUAKER OATS CO. COMMON STOCK 747402105 350 5625 SH
QUAKER OATS CO. COMMON STOCK 747402105 44 700 SH
QUAKER OATS CO. COMMON STOCK 747402105 832 13360 SH
QUESTAR CORP. COMMON STOCK 748356102 85 5000 SH
QUESTAR CORP. COMMON STOCK 748356102 140 8288 SH
RALCORP HOLDINGS INC COMMON STOCK 751028101 142 7450 SH
RALCORP HOLDINGS INC COMMON STOCK 751028101 52 2733 SH
RAYTHEON CO. COMMON STOCK 755111408 2136 36438 SH
RAYTHEON CO. COMMON STOCK 755111408 138 2350 SH
RAYTHEON CO. COMMON STOCK 755111408 1345 22950 SH
ROCHESTER GAS & ELEC CORP COMMON STOCK 771367109 368 14356 SH
ROCHESTER GAS & ELEC CORP COMMON STOCK 771367109 8 300 SH
ROCHESTER GAS & ELEC CORP COMMON STOCK 771367109 26 1000 SH
ROCKWELL INTL CORP COMMON STOCK 773903109 246 5800 SH
ROCKWELL INTL CORP COMMON STOCK 773903109 66 1550 SH
ROCKWELL INTL CORP COMMON STOCK 773903109 96 2262 SH
ROHM & HAAS INC. COMMON STOCK 775371107 1289 38400 SH
ROHM & HAAS INC. COMMON STOCK 775371107 101 3000 SH
ROSS STORES INC COMMON STOCK 778296103 539 12300 SH
ROSS STORES INC COMMON STOCK 778296103 92 2100 SH
ROYAL DUTCH PETROLEUM CO. FOREIGN STOCK 780257804 1316 25300 SH
ROYAL DUTCH PETROLEUM CO. FOREIGN STOCK 780257804 944 18152 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 2304 48828 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 9 200 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 1889 40035 SH
SAFEWAY INC. COMMON STOCK 786514208 13159 256450 SH
SAFEWAY INC. COMMON STOCK 786514208 200 3900 SH
SARA LEE CORP COMMON STOCK 803111103 2611 105490 SH
SARA LEE CORP COMMON STOCK 803111103 10 400 SH
SARA LEE CORP COMMON STOCK 803111103 366 14800 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 32546 589073 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 124 2250 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 4905 88780 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 840 13950 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 466 7738 SH
SEAGATE TECHNOLOGY COMMON STOCK 811804103 1791 60575 SH
SEAGATE TECHNOLOGY COMMON STOCK 811804103 24 800 SH
SEAGRAM COMPANY LTD. FOREIGN STOCK 811850106 110 2200 SH
SEAGRAM COMPANY LTD. FOREIGN STOCK 811850106 140 2800 SH
SEARS ROEBUCK & CO COMMON STOCK 812387108 749 16584 SH
SEARS ROEBUCK & CO COMMON STOCK 812387108 59 1300 SH
SEARS ROEBUCK & CO COMMON STOCK 812387108 229 5066 SH
SELFCARE INC COMMON STOCK 81631R107 49 10000 SH
SEMPRA ENERGY COMMON STOCK 816851109 581 30267 SH
SEMPRA ENERGY COMMON STOCK 816851109 81 4210 SH
SHERWIN-WILLIAMS COMPANY COMMON STOCK 824348106 229 8150 SH
SHERWIN-WILLIAMS COMPANY COMMON STOCK 824348106 70 2500 SH
SMITH INTERNATIONAL, INC. COMMON STOCK 832110100 130 3250 SH
SMITH INTERNATIONAL, INC. COMMON STOCK 832110100 84 2100 SH
SMITHKLINE BEECHAM FOREIGN STOCK 832378301 106 1489 SH
SMITHKLINE BEECHAM FOREIGN STOCK 832378301 257 3600 SH
SOLECTRON CORP COMMON STOCK 834182107 321 6600 SH
SOLUTIA INC COMMON STOCK 834376105 655 37699 SH
SOLUTIA INC COMMON STOCK 834376105 17 1000 SH
SOLUTIA INC COMMON STOCK 834376105 134 7702 SH
SOUTHDOWN INC. COMMON STOCK 841297104 643 11980 SH
SOUTHDOWN INC. COMMON STOCK 841297104 146 2721 SH
SOUTHERN CO COMMON STOCK 842587107 257 11012 SH
SOUTHERN CO COMMON STOCK 842587107 61 2600 SH
SOUTHERN CO COMMON STOCK 842587107 56 2400 SH
SPRINT CORPORATION COM COMMON STOCK 852061100 2961 30176 SH
SPRINT CORPORATION COM COMMON STOCK 852061100 236 2400 SH
STANLEY WORKS COMMON STOCK 854616109 56 2200 SH
STANLEY WORKS COMMON STOCK 854616109 186 7252 SH
STATE STREET CORP COMMON STOCK 857477103 1559 18950 SH
STATE STREET CORP COMMON STOCK 857477103 909 11050 SH
SUN MICROSYSTEMS INC. COMMON STOCK 866810104 4943 39525 SH
SUN MICROSYSTEMS INC. COMMON STOCK 866810104 13 100 SH
SUN MICROSYSTEMS INC. COMMON STOCK 866810104 728 5825 SH
SUNDSTRAND CORP. COMMON STOCK 867323107 660 9500 SH
SUNDSTRAND CORP. COMMON STOCK 867323107 74 1071 SH
SUNOCO INC COMMON STOCK 86764P109 175 4862 SH
SUNOCO INC COMMON STOCK 86764P109 29 800 SH
SYSCO CORP. COMMON STOCK 871829107 274 10425 SH
SYSCO CORP. COMMON STOCK 871829107 184 7000 SH
TECO ENERGY INC. COMMON STOCK 872375100 387 19488 SH
TECO ENERGY INC. COMMON STOCK 872375100 248 12501 SH
TJX COMPANIES COMMON STOCK 872540109 4364 128365 SH
TJX COMPANIES COMMON STOCK 872540109 79 2312 SH
TJX COMPANIES COMMON STOCK 872540109 206 6064 SH
TRW INC. COMMON STOCK 872649108 817 17946 SH
TRW INC. COMMON STOCK 872649108 461 10135 SH
TELLABS INC COMMON STOCK 879664100 3460 35400 SH
TELLABS INC COMMON STOCK 879664100 29 300 SH
TELLABS INC COMMON STOCK 879664100 108 1100 SH
TEXACO INC COMMON STOCK 881694103 2719 47906 SH
TEXACO INC COMMON STOCK 881694103 114 2000 SH
TEXACO INC COMMON STOCK 881694103 1503 26492 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 1012 10192 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 1282 12920 SH
TEXAS UTILITIES CO COMMON STOCK 882848104 151 3600 SH
TEXAS UTILITIES CO COMMON STOCK 882848104 43 1025 SH
TEXAS UTILITIES CO COMMON STOCK 882848104 103 2446 SH
TEXTRON INC COMMON STOCK 883203101 1821 23536 SH
TEXTRON INC COMMON STOCK 883203101 254 3280 SH
TIDEWATER INC COMMON STOCK 886423102 378 14600 SH
TIDEWATER INC COMMON STOCK 886423102 13 500 SH
TIDEWATER INC COMMON STOCK 886423102 19 735 SH
TIME WARNER, INC. COMMON STOCK 887315109 361 5100 SH
TIME WARNER, INC. COMMON STOCK 887315109 7 100 SH
TIME WARNER, INC. COMMON STOCK 887315109 679 9595 SH
TORONTO DOMINION BANK FOREIGN STOCK 891160509 381 8300 SH
TRICON GLOBAL RESTAURANTS COMMON STOCK 895953107 193 2745 SH
TRICON GLOBAL RESTAURANTS COMMON STOCK 895953107 270 3850 SH
TRIBUNE CO NEW COMMON STOCK 896047107 1597 24400 SH
TYCO INTL LTD COMMON STOCK 902124106 5372 74871 SH
TYCO INTL LTD COMMON STOCK 902124106 7 100 SH
TYCO INTL LTD COMMON STOCK 902124106 1198 16696 SH
UAL CORP COMMON STOCK 902549500 1133 14550 SH
UAL CORP COMMON STOCK 902549500 55 700 SH
UNUM CORP. COMMON STOCK 903192102 257 5400 SH
UNUM CORP. COMMON STOCK 903192102 614 12900 SH
UNAPIX ENTERTAINMENT INC. COMMON STOCK 904270105 64 34040 SH
UNION PACIFIC CORP COMMON STOCK 907818108 660 12345 SH
UNION PACIFIC CORP COMMON STOCK 907818108 1457 27257 SH
UNION PACIFIC RES GROUP INC COMMON STOCK 907834105 47 3970 SH
UNION PACIFIC RES GROUP INC COMMON STOCK 907834105 210 17662 SH
US WEST INC NEW COMMON STOCK 91273H101 769 13965 SH
US WEST INC NEW COMMON STOCK 91273H101 277 5029 SH
US TRUST CORP COMMON STOCK 91288L105 76 1018 SH
US TRUST CORP COMMON STOCK 91288L105 276 3718 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 9660 71326 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 88 650 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 1755 12959 SH
UNITIL CORP. COMMON COMMON STOCK 913259107 232 10090 SH
UNITIL CORP. COMMON COMMON STOCK 913259107 668 29026 SH
UNOCAL CORP. COMMON STOCK 915289102 252 6828 SH
UNOCAL CORP. COMMON STOCK 915289102 115 3125 SH
V F CORP. COMMON STOCK 918204108 516 10870 SH
V F CORP. COMMON STOCK 918204108 235 4948 SH
VALASSIS COMMUNICATIONS INC COMMON STOCK 918866104 207 4000 SH
VALASSIS COMMUNICATIONS INC COMMON STOCK 918866104 2 38 SH
WAL-MART STORES COMMON STOCK 931142103 18297 198475 SH
WAL-MART STORES COMMON STOCK 931142103 707 7669 SH
WALGREEN COMPANY COMMON STOCK 931422109 325 11522 SH
WALGREEN COMPANY COMMON STOCK 931422109 55 1960 SH
WARNER-LAMBERT CO COMMON STOCK 934488107 2260 34115 SH
WARNER-LAMBERT CO COMMON STOCK 934488107 7 100 SH
WARNER-LAMBERT CO COMMON STOCK 934488107 3341 50423 SH
WASHINGTON TRUST BANCORP., INC. COMMON STOCK 940610108 1041 60785 SH
WASHINGTON TRUST BANCORP., INC. COMMON STOCK 940610108 571 33318 SH
WATSON PHARMACEUTICAL INC COMMON STOCK 942683103 1243 28160 SH
WATSON PHARMACEUTICAL INC COMMON STOCK 942683103 313 7100 SH
WELLMAN INC. COMMON STOCK 949702104 199 22400 SH
WELLMAN INC. COMMON STOCK 949702104 9 1000 SH
WELLMAN INC. COMMON STOCK 949702104 4 500 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 798 22750 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 30 850 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 121 3460 SH
WILLIAMS COMPANIES INC COMMON STOCK 969457100 6449 163278 SH
WILLIAMS COMPANIES INC COMMON STOCK 969457100 225 5700 SH
WILLIAMS COMPANIES INC COMMON STOCK 969457100 3237 81954 SH
WISCONSIN ENERGY CORP. COMMON STOCK 976657106 328 12586 SH
WISCONSIN ENERGY CORP. COMMON STOCK 976657106 182 6975 SH
XEROX CORP COMMON STOCK 984121103 407 7815 SH
XEROX CORP COMMON STOCK 984121103 268 5150 SH
DAIMLERCHRYSLER AG FOREIGN STOCK D1668R123 4339 50559 SH
DAIMLERCHRYSLER AG FOREIGN STOCK D1668R123 11 124 SH
DAIMLERCHRYSLER AG FOREIGN STOCK D1668R123 670 7810 SH
TOMMY HILFIGER COMMON STOCK G8915Z102 1803 26176 SH
TOMMY HILFIGER COMMON STOCK G8915Z102 75 1086 SH
ABINGTON BANCORP COMMON STOCK 00350P100 184 12600
ANDOVER BANCORP INC COMMON STOCK 034258103 250 9200
BOSTONFED BANCORP INC COMMON STOCK 101178101 511 28000
FIRST FED OF EAST HARTFORD COMMON STOCK 319944104 589 24800
FIRST ESSEX BANCORP INC COMMON STOCK 320103104 1109 72700
GRANITE STATE BANKSHARES INC COMMON STOCK 387472103 2113 100000
MEDFORD BANCORP INC COMMON STOCK 584131106 277 17000
NEW MILFORD BANK & TRUST COMMON STOCK 629189101 152 9500
NEW ENGLAND COMMUNITY BNCP COMMON STOCK 643890106 943 47000
SEACOAST FINANCIAL SERVICES COMMON STOCK 81170Q106 3258 325832
VILLAGE BANCORP COMMON STOCK 927051102 1924 81000
NAME OF ISSUER INVSTMT OTHER VOTING AUTHORITY
SECURITY NAME DISCRTN MANAGERS SOLE SHARED NONE
A T & T SOLE 191141
A T & T SOLE 5388
A T & T DEFINED 1500
A T & T DEFINED 9 1860
A T & T OTHER 49386
A T & T OTHER 550
A T & T SOLE 260
A T & T SOLE 4368
ABBOTT LABORATORIES SOLE 150057
ABBOTT LABORATORIES DEFINED 9 3400
ABBOTT LABORATORIES OTHER 24920
ABBOTT LABORATORIES OTHER 4350
ABBOTT LABORATORIES OTHER 12 2000
AEGON NV SOLE 344
AEGON NV OTHER 5472
AETNA INC. SOLE 3067
AETNA INC. OTHER 6385
AIR PRODUCTS & CHEMICALS INC SOLE 31830
AIR PRODUCTS & CHEMICALS INC SOLE 1000
AIR PRODUCTS & CHEMICALS INC OTHER 9100
AIRTOUCH COMMUNICATIONS INC. SOLE 6408
AIRTOUCH COMMUNICATIONS INC. SOLE 600
AIRTOUCH COMMUNICATIONS INC. OTHER 5018
AIRTOUCH COMMUNICATIONS INC. OTHER 150
ALASKA AIR GROUP SOLE 5700
ALBERTSONS INC. SOLE 7076
ALBERTSONS INC. SOLE 100
ALBERTSONS INC. OTHER 9500
ALCOA INC SOLE 6950
ALCOA INC SOLE 600
ALCOA INC OTHER 2600
ALLEGHENY ENERGY INC SOLE 4320
ALLEGHENY ENERGY INC SOLE 300
ALLEGHENY ENERGY INC OTHER 8360
ALLEGHENY ENERGY INC OTHER 200
ALLERGAN, INC SOLE 15507
ALLERGAN, INC SOLE 100
ALLERGAN, INC OTHER 400
ALLIED SIGNAL INC SOLE 120520
ALLIED SIGNAL INC SOLE 16870
ALLIED SIGNAL INC DEFINED 3800
ALLIED SIGNAL INC OTHER 42486
ALLIED SIGNAL INC OTHER 1000
ALLSTATE CORP SOLE 22275
ALLSTATE CORP OTHER 6350
ALLSTATE CORP OTHER 50
ALLTEL CORPORATION SOLE 14260
ALLTEL CORPORATION SOLE 800
ALLTEL CORPORATION OTHER 4901
ALLTEL CORPORATION OTHER 2150
AMERICA ONLINE INC SOLE 2800
AMERICA ONLINE INC SOLE 300
AMERICA ONLINE INC OTHER 250
AMERICAN ELECTRIC POWER CO SOLE 2434
AMERICAN ELECTRIC POWER CO OTHER 2560
AMERICAN ELECTRIC POWER CO OTHER 100
AMERICAN EXPRESS CO SOLE 164375
AMERICAN EXPRESS CO SOLE 7000
AMERICAN EXPRESS CO DEFINED 1400
AMERICAN EXPRESS CO OTHER 7472
AMERICAN EXPRESS CO OTHER 500
AMERICAN EXPRESS CO OTHER 12 2000
AMERICAN HOME PRODUCTS CORP. SOLE 107908
AMERICAN HOME PRODUCTS CORP. SOLE 10800
AMERICAN HOME PRODUCTS CORP. DEFINED 4800
AMERICAN HOME PRODUCTS CORP. DEFINED 9 7000
AMERICAN HOME PRODUCTS CORP. OTHER 85816
AMERICAN HOME PRODUCTS CORP. OTHER 1000
AMERICAN HOME PRODUCTS CORP. OTHER 12 1600
AMERICAN INTERNATIONAL GROUP SOLE 182034
AMERICAN INTERNATIONAL GROUP SOLE 2250
AMERICAN INTERNATIONAL GROUP DEFINED 250
AMERICAN INTERNATIONAL GROUP DEFINED 9 3543
AMERICAN INTERNATIONAL GROUP OTHER 337892
AMERICAN INTERNATIONAL GROUP OTHER 2209
AMERICAN INTERNATIONAL GROUP OTHER 12 675
AMERICAN POWER CONVERSION SOLE 4000
AMERICAN POWER CONVERSION OTHER 8000
AMERITECH CORP.-COMMON NEW SOLE 68799
AMERITECH CORP.-COMMON NEW SOLE 11000
AMERITECH CORP.-COMMON NEW OTHER 26858
AMGEN INC. SOLE 16440
AMGEN INC. OTHER 5525
AMP INC. SOLE 6008
AMP INC. SOLE 201
AMRESCO INC SOLE 16500
ANHEUSER-BUSCH COMPANIES, INC. SOLE 67140
ANHEUSER-BUSCH COMPANIES, INC. SOLE 225
ANHEUSER-BUSCH COMPANIES, INC. DEFINED 1400
ANHEUSER-BUSCH COMPANIES, INC. OTHER 16723
AON CORP SOLE 5309
AON CORP OTHER 2925
ARMSTRONG WORLD IND. SOLE 11537
ARMSTRONG WORLD IND. DEFINED 500
ARMSTRONG WORLD IND. DEFINED 9 1000
ARMSTRONG WORLD IND. OTHER 2500
ASCEND COMMUNICATIONS SOLE 2800
ASSOCIATES FIRST CAPITAL CORP SOLE 8432
ASSOCIATES FIRST CAPITAL CORP OTHER 2708
ASSOCIATES FIRST CAPITAL CORP OTHER 52
ATLANTIC RICHFIELD CO SOLE 19725
ATLANTIC RICHFIELD CO DEFINED 500
ATLANTIC RICHFIELD CO DEFINED 9 1180
ATLANTIC RICHFIELD CO OTHER 19210
AUTOMATIC DATA PROCESSING INC. SOLE 210934
AUTOMATIC DATA PROCESSING INC. SOLE 20200
AUTOMATIC DATA PROCESSING INC. DEFINED 3200
AUTOMATIC DATA PROCESSING INC. OTHER 67968
AUTOMATIC DATA PROCESSING INC. OTHER 3800
AVERY DENNISON CORP. SOLE 37475
AVERY DENNISON CORP. SOLE 275
AVERY DENNISON CORP. OTHER 7776
AVERY DENNISON CORP. OTHER 600
AVNET, INC. SOLE 10810
AVNET, INC. OTHER 3700
AVON PRODUCTS INC SOLE 4699
AVON PRODUCTS INC SOLE 250
AVON PRODUCTS INC DEFINED 620
AVON PRODUCTS INC OTHER 200
BCE INC. SOLE 6252
BEC ENERGY SOLE 10751
BEC ENERGY DEFINED 300
BEC ENERGY OTHER 500
BP AMOCO PLC SOLE 62133
BP AMOCO PLC SOLE 660
BP AMOCO PLC OTHER 18618
BALTIMORE GAS & ELECTRIC CO SOLE 9920
BALTIMORE GAS & ELECTRIC CO SOLE 400
BALTIMORE GAS & ELECTRIC CO DEFINED 300
BALTIMORE GAS & ELECTRIC CO OTHER 400
BANK OF NEW YORK CO. INC SOLE 2890
BANK OF NEW YORK CO. INC OTHER 19752
BANK ONE CORP SOLE 5001
BANK ONE CORP OTHER 6936
BANKAMERICA CORP NEW SOLE 214457
BANKAMERICA CORP NEW SOLE 11352
BANKAMERICA CORP NEW DEFINED 600
BANKAMERICA CORP NEW OTHER 17004
BANKAMERICA CORP NEW OTHER 700
BANKBOSTON CORP SOLE 96053
BANKBOSTON CORP SOLE 1750
BANKBOSTON CORP DEFINED 600
BANKBOSTON CORP OTHER 35170
BANKBOSTON CORP OTHER 50
BAXTER INTERNATIONAL INC. SOLE 3443
BAXTER INTERNATIONAL INC. SOLE 500
BAXTER INTERNATIONAL INC. OTHER 3607
BEAR STEARNS CO. SOLE 4304
BEAR STEARNS CO. DEFINED 336
BEAR STEARNS CO. OTHER 15
BECTON DICKINSON & CO SOLE 24700
BECTON DICKINSON & CO SOLE 400
BECTON DICKINSON & CO DEFINED 1110
BECTON DICKINSON & CO OTHER 5400
BELL ATLANTIC CORP. SOLE 244638
BELL ATLANTIC CORP. SOLE 3650
BELL ATLANTIC CORP. DEFINED 2860
BELL ATLANTIC CORP. DEFINED 9 4600
BELL ATLANTIC CORP. OTHER 75208
BELL ATLANTIC CORP. OTHER 1750
BELLSOUTH CORPORATION SOLE 173176
BELLSOUTH CORPORATION SOLE 200
BELLSOUTH CORPORATION DEFINED 800
BELLSOUTH CORPORATION OTHER 58598
BELLSOUTH CORPORATION OTHER 2700
A H BELO CORP SOLE 138792
A H BELO CORP OTHER 120
BERKSHIRE HATHAWAY DEL SOLE 51
BERKSHIRE HATHAWAY DEL DEFINED 9 36
BERKSHIRE HATHAWAY DEL OTHER 532
BESTFOODS SOLE 33010
BESTFOODS DEFINED 9 1900
BESTFOODS OTHER 34966
BIOGEN, INC. SOLE 2312
BIOGEN, INC. SOLE 325
BIOGEN, INC. OTHER 300
BOEING CO. SOLE 34426
BOEING CO. SOLE 600
BOEING CO. DEFINED 2481
BOEING CO. DEFINED 9 500
BOEING CO. OTHER 11733
BRIGGS & STRATTON CORP SOLE 14044
BRIGGS & STRATTON CORP OTHER 8600
BRISTOL-MYERS SQUIBB CO. SOLE 313174
BRISTOL-MYERS SQUIBB CO. SOLE 4000
BRISTOL-MYERS SQUIBB CO. DEFINED 4250
BRISTOL-MYERS SQUIBB CO. OTHER 158190
BRISTOL-MYERS SQUIBB CO. OTHER 2000
BRISTOL-MYERS SQUIBB CO. OTHER 12 1600
BURLINGTON NORTHERN SOLE 7810
BURLINGTON NORTHERN OTHER 3070
CIGNA SOLE 197490
CIGNA SOLE 7850
CIGNA OTHER 1550
CVS CORP SOLE 143252
CVS CORP OTHER 11850
CVS CORP OTHER 1000
CVS CORP OTHER 12 700
CAMPBELL SOUP CO SOLE 8924
CAMPBELL SOUP CO SOLE 3400
CAMPBELL SOUP CO OTHER 22700
CANANDAIGUA BRANDS INC SOLE 10042
CARNIVAL CRUISE SOLE 85430
CARNIVAL CRUISE SOLE 150
CARNIVAL CRUISE OTHER 6075
CATERPILLAR TRACTOR CO SOLE 26450
CATERPILLAR TRACTOR CO SOLE 200
CATERPILLAR TRACTOR CO DEFINED 700
CATERPILLAR TRACTOR CO OTHER 400
CENTRAL & SOUTH WEST CORP SOLE 6300
CENTRAL & SOUTH WEST CORP OTHER 3932
CHASE MANHATTAN CORP SOLE 75444
CHASE MANHATTAN CORP SOLE 475
CHASE MANHATTAN CORP OTHER 16852
CHEVRON CORP. SOLE 86454
CHEVRON CORP. SOLE 900
CHEVRON CORP. OTHER 36649
CHUBB CORP. SOLE 1344
CHUBB CORP. SOLE 400
CHUBB CORP. OTHER 1700
CIRCUIT CITY STORES SOLE 11700
CIRCUIT CITY STORES OTHER 888
CISCO SYSTEMS SOLE 81038
CISCO SYSTEMS SOLE 3775
CISCO SYSTEMS DEFINED 350
CISCO SYSTEMS OTHER 14951
CITIGROUP INC SOLE 137792
CITIGROUP INC SOLE 8375
CITIGROUP INC DEFINED 1172
CITIGROUP INC OTHER 35729
CITIGROUP INC OTHER 12 942
CITY NATL CORP SOLE 9000
CLOROX CO. SOLE 65750
CLOROX CO. SOLE 575
CLOROX CO. DEFINED 100
CLOROX CO. OTHER 9226
COCA-COLA CO. SOLE 269811
COCA-COLA CO. SOLE 15250
COCA-COLA CO. DEFINED 2500
COCA-COLA CO. OTHER 118123
COCA-COLA CO. OTHER 4650
COCA-COLA CO. OTHER 12 4000
COLGATE-PALMOLIVE CO. SOLE 19720
COLGATE-PALMOLIVE CO. SOLE 1600
COLGATE-PALMOLIVE CO. OTHER 15650
COMERICA INC. SOLE 4803
COMERICA INC. OTHER 3858
COMPAQ COMPUTER SOLE 202598
COMPAQ COMPUTER SOLE 16800
COMPAQ COMPUTER DEFINED 1000
COMPAQ COMPUTER OTHER 15251
COMPAQ COMPUTER OTHER 12 1000
COMPUWARE CORPORATION SOLE 8870
COMPUWARE CORPORATION SOLE 300
COMPUWARE CORPORATION DEFINED 404
COMPUWARE CORPORATION OTHER 165
CONSECO INC SOLE 48436
CONSECO INC SOLE 700
CONSECO INC DEFINED 1074
CONSECO INC OTHER 8759
CONSECO INC OTHER 200
CONSOLIDATED EDISON INC. SOLE 6513
CONSOLIDATED EDISON INC. OTHER 1400
CONSOLIDATED NATURAL GAS CO SOLE 6744
CONSOLIDATED NATURAL GAS CO SOLE 150
CONSOLIDATED NATURAL GAS CO OTHER 701
CORNING INCORPORATED SOLE 1150
CORNING INCORPORATED SOLE 500
CORNING INCORPORATED OTHER 5168
COUNTRYWIDE CREDIT INDS INC SOLE 15477
COUNTRYWIDE CREDIT INDS INC SOLE 400
COUNTRYWIDE CREDIT INDS INC DEFINED 200
COUNTRYWIDE CREDIT INDS INC OTHER 350
COUNTRYWIDE CREDIT INDS INC OTHER 300
CROWN CORK & SEAL SOLE 2633
CROWN CORK & SEAL OTHER 5200
DQE INC. SOLE 45700
DQE INC. OTHER 2466
DTE ENERGY CO SOLE 5100
DTE ENERGY CO OTHER 600
DANA CORP. SOLE 9714
DANA CORP. DEFINED 9 4088
DANA CORP. OTHER 3789
DAYTON-HUDSON SOLE 3875
DAYTON-HUDSON OTHER 3675
DEERE & CO. SOLE 2902
DEERE & CO. OTHER 2772
DELL COMPUTER SOLE 132940
DELL COMPUTER SOLE 2600
DELL COMPUTER DEFINED 1200
DELL COMPUTER OTHER 15900
DELL COMPUTER OTHER 700
DIAL CORP NEW SOLE 27225
DIAL CORP NEW OTHER 3650
DIEBOLD, INC. SOLE 8563
DIEBOLD, INC. OTHER 14818
WALT DISNEY CO. SOLE 344320
WALT DISNEY CO. SOLE 17300
WALT DISNEY CO. DEFINED 4200
WALT DISNEY CO. OTHER 32250
WALT DISNEY CO. OTHER 420
RR DONNELLEY & SONS SOLE 7250
RR DONNELLEY & SONS DEFINED 800
RR DONNELLEY & SONS OTHER 5387
DOVER CORP. SOLE 13500
DOW CHEMICAL CO SOLE 34363
DOW CHEMICAL CO SOLE 100
DOW CHEMICAL CO DEFINED 327
DOW CHEMICAL CO OTHER 12195
E.I. DUPONT deNEMOURS & CO. SOLE 129825
E.I. DUPONT deNEMOURS & CO. SOLE 9050
E.I. DUPONT deNEMOURS & CO. DEFINED 3700
E.I. DUPONT deNEMOURS & CO. OTHER 47095
E.I. DUPONT deNEMOURS & CO. OTHER 200
DUKE ENERGY CORP. SOLE 7725
DUKE ENERGY CORP. OTHER 5081
E M C CORP MASS SOLE 14625
E M C CORP MASS OTHER 11545
EASTMAN CHEMICAL SOLE 425
EASTMAN CHEMICAL OTHER 7156
EASTMAN KODAK CO SOLE 8219
EASTMAN KODAK CO SOLE 1200
EASTMAN KODAK CO OTHER 32141
A G EDWARDS INC SOLE 15367
A G EDWARDS INC SOLE 300
A G EDWARDS INC OTHER 5725
ELECTRONIC DATA SYSTEMS SOLE 1958
ELECTRONIC DATA SYSTEMS SOLE 300
ELECTRONIC DATA SYSTEMS OTHER 3082
EMERSON ELECTRIC CO. SOLE 25925
EMERSON ELECTRIC CO. SOLE 2800
EMERSON ELECTRIC CO. DEFINED 1100
EMERSON ELECTRIC CO. OTHER 11310
ENERGYNORTH, INC. SOLE 17277
ENERGYNORTH, INC. OTHER 2533
ENRON CORP. SOLE 20300
ENRON CORP. OTHER 15120
EXXON CORP SOLE 239505
EXXON CORP SOLE 7724
EXXON CORP DEFINED 1400
EXXON CORP DEFINED 9 3200
EXXON CORP OTHER 178058
EXXON CORP OTHER 1300
FPL GROUP SOLE 57893
FPL GROUP SOLE 850
FPL GROUP OTHER 10879
FEDERAL HOME LOAN SOLE 92335
FEDERAL HOME LOAN DEFINED 860
FEDERAL HOME LOAN OTHER 27267
FEDERAL NATIONAL MORTGAGE ASSN SOLE 58838
FEDERAL NATIONAL MORTGAGE ASSN SOLE 700
FEDERAL NATIONAL MORTGAGE ASSN DEFINED 100
FEDERAL NATIONAL MORTGAGE ASSN OTHER 15180
FEDERAL NATIONAL MORTGAGE ASSN OTHER 2600
FIRST UNION CORP SOLE 163881
FIRST UNION CORP SOLE 1100
FIRST UNION CORP DEFINED 350
FIRST UNION CORP OTHER 30273
FIRST UNION CORP OTHER 500
FIRSTAR CORP NEW WIS SOLE 7144
FIRSTAR CORP NEW WIS OTHER 1495
FLEET FINANCIAL GROUP, INC. SOLE 120243
FLEET FINANCIAL GROUP, INC. SOLE 3732
FLEET FINANCIAL GROUP, INC. DEFINED 9500
FLEET FINANCIAL GROUP, INC. OTHER 58005
FLEET FINANCIAL GROUP, INC. OTHER 3200
FLEET FINANCIAL GROUP, INC. OTHER 12 9200
FLEETWOOD ENTERPRISES SOLE 15050
FLEETWOOD ENTERPRISES OTHER 400
FLEETWOOD ENTERPRISES OTHER 600
FLOWERS INDS INC SOLE 10080
FORD MOTOR CO SOLE 20588
FORD MOTOR CO SOLE 400
FORD MOTOR CO DEFINED 200
FORD MOTOR CO OTHER 7657
FORD MOTOR CO OTHER 200
FORTUNE BRANDS INC SOLE 5675
FORTUNE BRANDS INC DEFINED 700
FORTUNE BRANDS INC OTHER 970
GTE CORP. SOLE 101742
GTE CORP. SOLE 926
GTE CORP. OTHER 32004
GTE CORP. OTHER 1500
GANNETT INC. SOLE 1700
GANNETT INC. OTHER 2054
GAP, INC. SOLE 206380
GAP, INC. SOLE 100
GAP, INC. DEFINED 100
GAP, INC. OTHER 2912
GATEWAY 2000 INC SOLE 30050
GATEWAY 2000 INC SOLE 100
GATEWAY 2000 INC DEFINED 308
GATEWAY 2000 INC OTHER 300
GENERAL ELECTRIC CO SOLE 566060
GENERAL ELECTRIC CO SOLE 15550
GENERAL ELECTRIC CO DEFINED 7600
GENERAL ELECTRIC CO DEFINED 9 2800
GENERAL ELECTRIC CO OTHER 279955
GENERAL ELECTRIC CO OTHER 4000
GENERAL ELECTRIC CO OTHER 12 1800
GENERAL MILLS INC SOLE 10150
GENERAL MILLS INC SOLE 700
GENERAL MILLS INC OTHER 4850
GENERAL MOTORS CORP. SOLE 28535
GENERAL MOTORS CORP. DEFINED 480
GENERAL MOTORS CORP. OTHER 9351
GENTEX SOLE 6000
GENTEX OTHER 10000
GENUINE PARTS SOLE 8917
GENUINE PARTS OTHER 9205
GILLETTE CO SOLE 118770
GILLETTE CO SOLE 3050
GILLETTE CO DEFINED 3775
GILLETTE CO OTHER 35224
GILLETTE CO OTHER 600
GILLETTE CO OTHER 12 1000
GLAXO WELLCOME PLC SOLE 3000
GLAXO WELLCOME PLC OTHER 2470
B. F. GOODRICH SOLE 39975
B. F. GOODRICH SOLE 500
B. F. GOODRICH OTHER 1550
B. F. GOODRICH OTHER 300
GOODYEAR TIRE & RUBBER CO SOLE 13126
GOODYEAR TIRE & RUBBER CO OTHER 464
GRAINGER W W INC SOLE 7480
GRAINGER W W INC DEFINED 800
GRAINGER W W INC OTHER 1900
GUIDANT CORPORATION SOLE 16570
GUIDANT CORPORATION SOLE 225
GUIDANT CORPORATION DEFINED 600
GUIDANT CORPORATION OTHER 872
HCR MANOR CARE INC SOLE 11750
HCR MANOR CARE INC DEFINED 9 1500
HCR MANOR CARE INC OTHER 5800
HALLIBURTON CO SOLE 87299
HALLIBURTON CO SOLE 825
HALLIBURTON CO DEFINED 9 2600
HALLIBURTON CO OTHER 23930
HARRIS CORPORATION SOLE 11700
HARRIS CORPORATION SOLE 600
HARRIS CORPORATION OTHER 3200
HASBRO, INC. SOLE 25379
HASBRO, INC. SOLE 450
HASBRO, INC. DEFINED 1200
HASBRO, INC. OTHER 5175
HASBRO, INC. OTHER 12 6243
HAWAIIAN ELEC INDUSTRIES SOLE 5205
HAWAIIAN ELEC INDUSTRIES OTHER 500
H.J. HEINZ CO. SOLE 6120
H.J. HEINZ CO. OTHER 4400
HERSHEY FOODS CORP. SOLE 64065
HERSHEY FOODS CORP. OTHER 10258
HEWLETT PACKARD CO SOLE 88144
HEWLETT PACKARD CO SOLE 700
HEWLETT PACKARD CO DEFINED 2700
HEWLETT PACKARD CO OTHER 19580
HEWLETT PACKARD CO OTHER 1550
HILTON HOTELS CORP. SOLE 3100
HILTON HOTELS CORP. OTHER 7600
HOME DEPOT INC. SOLE 61440
HOME DEPOT INC. SOLE 6050
HOME DEPOT INC. DEFINED 1800
HOME DEPOT INC. OTHER 9670
HONEYWELL INC SOLE 1800
HONEYWELL INC OTHER 7000
HONEYWELL INC OTHER 100
HOUSEHOLD INTERNATIONAL INC. SOLE 9400
HOUSEHOLD INTERNATIONAL INC. OTHER 3966
HUBBELL INC. SOLE 7456
HUBBELL INC. OTHER 7570
IMS HEALTH INC SOLE 1000
IMS HEALTH INC SOLE 5400
IMS HEALTH INC OTHER 800
IMS HEALTH INC OTHER 400
IDEXX LABS, INC. SOLE 45857
INTEL CORP SOLE 195928
INTEL CORP SOLE 7675
INTEL CORP DEFINED 800
INTEL CORP DEFINED 9 1500
INTEL CORP OTHER 38970
INTEL CORP OTHER 500
INTEL CORP OTHER 12 300
INTERNATIONAL BUSINESS MACHINES SOLE 101340
INTERNATIONAL BUSINESS MACHINES SOLE 8100
INTERNATIONAL BUSINESS MACHINES DEFINED 800
INTERNATIONAL BUSINESS MACHINES OTHER 48673
INTERNATIONAL BUSINESS MACHINES OTHER 1600
INTERNATIONAL BUSINESS MACHINES OTHER 12 600
INTERNATIONAL PAPER CO SOLE 8465
INTERNATIONAL PAPER CO OTHER 7896
INTERPUBLIC GROUP COS INC SOLE 19827
INTERPUBLIC GROUP COS INC SOLE 300
INTERPUBLIC GROUP COS INC OTHER 5201
INTERSTATE BAKERIES SOLE 19450
INTERSYSTEMS, INC. OTHER 10000
JOHNSON & JOHNSON SOLE 291001
JOHNSON & JOHNSON SOLE 6051
JOHNSON & JOHNSON DEFINED 5000
JOHNSON & JOHNSON DEFINED 9 1700
JOHNSON & JOHNSON OTHER 95217
JOHNSON & JOHNSON OTHER 1440
JOHNSON & JOHNSON OTHER 12 500
JOHNSON CONTROLS INC SOLE 108680
JOHNSON CONTROLS INC SOLE 300
JOHNSON CONTROLS INC DEFINED 800
JOHNSON CONTROLS INC OTHER 22752
JONES APPAREL SOLE 22800
JONES APPAREL SOLE 900
JONES APPAREL OTHER 296
KANSAS CITY SOUTHERN IND INC SOLE 6275
KANSAS CITY SOUTHERN IND INC OTHER 1925
KEYCORP SOLE 2800
KEYCORP OTHER 4550
KIMBERLY CLARK SOLE 66649
KIMBERLY CLARK SOLE 550
KIMBERLY CLARK DEFINED 700
KIMBERLY CLARK OTHER 21594
ELI LILLY & CO. SOLE 20870
ELI LILLY & CO. SOLE 100
ELI LILLY & CO. DEFINED 600
ELI LILLY & CO. OTHER 8450
ELI LILLY & CO. OTHER 900
LOCKHEED MARTIN CORP SOLE 1600
LOCKHEED MARTIN CORP DEFINED 320
LOCKHEED MARTIN CORP OTHER 5688
LOWE'S COMPANIES INC SOLE 3150
LOWE'S COMPANIES INC OTHER 300
LUCENT TECHNOLOGIES INC SOLE 304344
LUCENT TECHNOLOGIES INC SOLE 11894
LUCENT TECHNOLOGIES INC DEFINED 1650
LUCENT TECHNOLOGIES INC DEFINED 9 1626
LUCENT TECHNOLOGIES INC OTHER 75347
LUCENT TECHNOLOGIES INC OTHER 560
LUCENT TECHNOLOGIES INC OTHER 12 1000
MCI WORLDCOM INC SOLE 41842
MCI WORLDCOM INC SOLE 1400
MCI WORLDCOM INC DEFINED 100
MCI WORLDCOM INC OTHER 2843
MAGNETEK INC SOLE 10400
MARSH & MCLENNAN SOLE 22148
MARRIOTT INTL' INC. NEW SOLE 45400
MARRIOTT INTL' INC. NEW OTHER 600
MAY DEPARTMENT STORES SOLE 25733
MAY DEPARTMENT STORES DEFINED 600
MAY DEPARTMENT STORES OTHER 7652
MCDONALDS CORP. SOLE 282889
MCDONALDS CORP. SOLE 340
MCDONALDS CORP. DEFINED 6000
MCDONALDS CORP. OTHER 34290
MCDONALDS CORP. OTHER 6000
MCGRAW-HILL, INC. SOLE 4300
MCGRAW-HILL, INC. SOLE 800
MCGRAW-HILL, INC. OTHER 4600
MCKESSON HBOC INC SOLE 16892
MCKESSON HBOC INC SOLE 500
MCKESSON HBOC INC DEFINED 300
MCKESSON HBOC INC OTHER 1479
MEAD CORP. SOLE 12550
MEAD CORP. OTHER 5800
MECHANICS FINANCIAL INC SOLE 35253
MECHANICS FINANCIAL INC OTHER 30247
MEDIAONE GROUP INC. SOLE 87701
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 43280
MEDTRONIC INC SOLE 1000
MEDTRONIC INC DEFINED 500
MEDTRONIC INC OTHER 6800
MEDTRONIC INC OTHER 400
MELLON BANK SOLE 8096
MELLON BANK OTHER 6780
MERCK & CO., INC. SOLE 417150
MERCK & CO., INC. SOLE 20698
MERCK & CO., INC. DEFINED 5700
MERCK & CO., INC. OTHER 149108
MERCK & CO., INC. OTHER 4600
MERRILL LYNCH & CO. INC. SOLE 7575
MERRILL LYNCH & CO. INC. OTHER 6100
MICROSOFT CORP SOLE 383132
MICROSOFT CORP SOLE 24550
MICROSOFT CORP DEFINED 2600
MICROSOFT CORP OTHER 52050
MICROSOFT CORP OTHER 3300
MICROSOFT CORP OTHER 12 1600
MINNESOTA MINING & MFG CO. SOLE 89354
MINNESOTA MINING & MFG CO. SOLE 85
MINNESOTA MINING & MFG CO. DEFINED 1400
MINNESOTA MINING & MFG CO. DEFINED 9 1700
MINNESOTA MINING & MFG CO. OTHER 19036
MINNESOTA MINING & MFG CO. OTHER 956
MOBIL CORP. SOLE 113154
MOBIL CORP. DEFINED 400
MOBIL CORP. OTHER 51372
MOBIL CORP. OTHER 800
MONSANTO CO SOLE 58913
MONSANTO CO DEFINED 475
MONSANTO CO DEFINED 9 3100
MONSANTO CO OTHER 46192
J P MORGAN & CO SOLE 34820
J P MORGAN & CO SOLE 1500
J P MORGAN & CO DEFINED 350
J P MORGAN & CO DEFINED 9 1500
J P MORGAN & CO OTHER 36116
MORGAN STANLEY SOLE 36906
MORGAN STANLEY SOLE 150
MORGAN STANLEY OTHER 3820
MORTON INTL INC SOLE 2600
MORTON INTL INC OTHER 6497
MOTOROLA INC SOLE 17350
MOTOROLA INC SOLE 650
MOTOROLA INC DEFINED 9 650
MOTOROLA INC OTHER 4450
MYLAN LABS, INC. SOLE 36850
MYLAN LABS, INC. SOLE 200
MYLAN LABS, INC. DEFINED 800
MYLAN LABS, INC. OTHER 900
MYLAN LABS, INC. OTHER 200
NIPSCO INDUSTRIES SOLE 5450
NIPSCO INDUSTRIES OTHER 3800
NATIONAL CITY CORP. SOLE 15625
NATIONAL CITY CORP. OTHER 200
NATIONAL FUEL GAS COMPANY OTHER 5116
NEW ENGLAND ELECTRIC SYS SOLE 7225
NEW ENGLAND ELECTRIC SYS SOLE 48
NEW ENGLAND ELECTRIC SYS OTHER 4256
NEW YORK TIMES SOLE 62700
NEW YORK TIMES OTHER 1600
NEXTEL COMMUNICATIONS SOLE 5800
NIELSEN MEDIA RESH INC SOLE 8600
NIELSEN MEDIA RESH INC OTHER 133
NIELSEN MEDIA RESH INC OTHER 64
NIKE, INC. CLASS B SOLE 4500
NOKIA CORP SOLE 600
NOKIA CORP SOLE 1100
NORFOLK SOUTHERN CORP. SOLE 87700
NORFOLK SOUTHERN CORP. SOLE 350
NORFOLK SOUTHERN CORP. DEFINED 9 4500
NORFOLK SOUTHERN CORP. OTHER 31296
NORTHERN STATES PWR CO SOLE 8050
NORTHERN STATES PWR CO OTHER 4900
NUCOR CORP SOLE 5350
NUCOR CORP SOLE 200
NUCOR CORP DEFINED 150
NUCOR CORP OTHER 2250
NUVEEN SELECT TAX-FREE OTHER 12133
NUVEEN INSD QUALITY MUN FD INC SOLE 2000
NUVEEN INSD QUALITY MUN FD INC OTHER 9088
NUVEEN SELECT SOLE 500
NUVEEN SELECT OTHER 11942
NUVEEN PREMIUM INCOME OTHER 23625
NUVEEN SELECT TAX FREE OTHER 11910
NUVEEN INSURED PREMIUM INC FD #2OTHER 10957
NUVEEN PREMIUM INCOME OTHER 45693
NUVEEN MUNICIPAL VALUE FUND SOLE 15000
NUVEEN MUNICIPAL VALUE FUND OTHER 3800
NUVEEN SELECT QUALITY OTHER 19711
NUVEEN QUALITY INCOME MUNICIPAL OTHER 13098
NUVEEN SOLE 500
NUVEEN OTHER 12483
NUVEEN PREMIER INSURED OTHER 12274
OMNICOM GROUP SOLE 2900
OMNICOM GROUP SOLE 400
OMNICOM GROUP OTHER 48
ORACLE SYSTEMS CORP. SOLE 64462
ORACLE SYSTEMS CORP. SOLE 150
ORACLE SYSTEMS CORP. OTHER 1650
OWENS ILLINOIS INC. SOLE 26850
PLC SYSTEMS, INC SOLE 66100
PNC BANK CORP SOLE 29076
PNC BANK CORP OTHER 1000
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
PAYCHEX, INC. SOLE 3896
PAYCHEX, INC. SOLE 3937
PAYCHEX, INC. OTHER 750
PEOPLE'S HERITAGE FINANCIAL GRP SOLE 29490
PEOPLE'S HERITAGE FINANCIAL GRP OTHER 42576
PEPSICO INC SOLE 185900
PEPSICO INC SOLE 1450
PEPSICO INC OTHER 90848
PEPSICO INC OTHER 2700
PFIZER INC SOLE 43963
PFIZER INC SOLE 400
PFIZER INC OTHER 14943
PHILIP MORRIS COS INC. SOLE 24003
PHILIP MORRIS COS INC. DEFINED 2500
PHILIP MORRIS COS INC. OTHER 53750
PHILIP MORRIS COS INC. OTHER 12 900
PHILLIPS PETROLEUM CO SOLE 27650
PHILLIPS PETROLEUM CO SOLE 600
PHILLIPS PETROLEUM CO DEFINED 1200
PHILLIPS PETROLEUM CO OTHER 2324
PHILLIPS PETROLEUM CO OTHER 350
PITNEY BOWES SOLE 62335
PITNEY BOWES SOLE 325
PITNEY BOWES OTHER 24275
PRECISION CAST PARTS SOLE 4300
PRECISION CAST PARTS OTHER 1500
PROCTER & GAMBLE CO SOLE 165605
PROCTER & GAMBLE CO SOLE 9100
PROCTER & GAMBLE CO DEFINED 4600
PROCTER & GAMBLE CO DEFINED 9 3400
PROCTER & GAMBLE CO OTHER 91125
PROCTER & GAMBLE CO OTHER 100
PROVIDIAN FINANCIAL CORP SOLE 600
PROVIDIAN FINANCIAL CORP OTHER 9450
PUTNAM INVESTMENT OTHER 12144
PUTNAM INVESTMENT OTHER 11085
QUADRAX CORP SOLE 15800
QUAKER OATS CO. SOLE 5625
QUAKER OATS CO. DEFINED 700
QUAKER OATS CO. OTHER 13360
QUESTAR CORP. SOLE 5000
QUESTAR CORP. OTHER 7488
QUESTAR CORP. OTHER 800
RALCORP HOLDINGS INC SOLE 6350
RALCORP HOLDINGS INC SOLE 1100
RALCORP HOLDINGS INC OTHER 2733
RAYTHEON CO. SOLE 36438
RAYTHEON CO. DEFINED 9 2350
RAYTHEON CO. OTHER 21750
RAYTHEON CO. OTHER 1200
ROCHESTER GAS & ELEC CORP SOLE 13856
ROCHESTER GAS & ELEC CORP SOLE 500
ROCHESTER GAS & ELEC CORP DEFINED 300
ROCHESTER GAS & ELEC CORP OTHER 1000
ROCKWELL INTL CORP SOLE 5800
ROCKWELL INTL CORP DEFINED 300
ROCKWELL INTL CORP DEFINED 9 1250
ROCKWELL INTL CORP OTHER 2262
ROHM & HAAS INC. SOLE 38400
ROHM & HAAS INC. OTHER 3000
ROSS STORES INC SOLE 12300
ROSS STORES INC OTHER 2100
ROYAL DUTCH PETROLEUM CO. SOLE 25300
ROYAL DUTCH PETROLEUM CO. OTHER 16552
ROYAL DUTCH PETROLEUM CO. OTHER 1600
SBC COMMUNICATIONS INC SOLE 48410
SBC COMMUNICATIONS INC SOLE 418
SBC COMMUNICATIONS INC DEFINED 200
SBC COMMUNICATIONS INC OTHER 38305
SBC COMMUNICATIONS INC OTHER 1730
SAFEWAY INC. SOLE 256150
SAFEWAY INC. SOLE 300
SAFEWAY INC. OTHER 3900
SARA LEE CORP SOLE 103890
SARA LEE CORP SOLE 1600
SARA LEE CORP DEFINED 400
SARA LEE CORP OTHER 11700
SARA LEE CORP OTHER 3100
SCHERING-PLOUGH CORP SOLE 573523
SCHERING-PLOUGH CORP SOLE 15550
SCHERING-PLOUGH CORP DEFINED 1250
SCHERING-PLOUGH CORP DEFINED 9 1000
SCHERING-PLOUGH CORP OTHER 88480
SCHERING-PLOUGH CORP OTHER 300
SCHLUMBERGER LTD SOLE 12950
SCHLUMBERGER LTD SOLE 1000
SCHLUMBERGER LTD OTHER 7738
SEAGATE TECHNOLOGY SOLE 60375
SEAGATE TECHNOLOGY SOLE 200
SEAGATE TECHNOLOGY DEFINED 800
SEAGRAM COMPANY LTD. SOLE 2200
SEAGRAM COMPANY LTD. OTHER 2800
SEARS ROEBUCK & CO SOLE 16584
SEARS ROEBUCK & CO DEFINED 9 1300
SEARS ROEBUCK & CO OTHER 5066
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 3250
SMITH INTERNATIONAL, INC. OTHER 2100
SMITHKLINE BEECHAM SOLE 1489
SMITHKLINE BEECHAM OTHER 3200
SMITHKLINE BEECHAM OTHER 400
SOLECTRON CORP SOLE 6600
SOLUTIA INC SOLE 37099
SOLUTIA INC SOLE 600
SOLUTIA INC DEFINED 1000
SOLUTIA INC OTHER 7702
SOUTHDOWN INC. SOLE 11980
SOUTHDOWN INC. OTHER 2721
SOUTHERN CO SOLE 11012
SOUTHERN CO DEFINED 2600
SOUTHERN CO OTHER 2400
SPRINT CORPORATION COM SOLE 30026
SPRINT CORPORATION COM SOLE 150
SPRINT CORPORATION COM OTHER 2400
STANLEY WORKS SOLE 2200
STANLEY WORKS OTHER 7252
STATE STREET CORP SOLE 18950
STATE STREET CORP OTHER 11050
SUN MICROSYSTEMS INC. SOLE 39325
SUN MICROSYSTEMS INC. SOLE 200
SUN MICROSYSTEMS INC. DEFINED 100
SUN MICROSYSTEMS INC. OTHER 5425
SUN MICROSYSTEMS INC. OTHER 400
SUNDSTRAND CORP. SOLE 9500
SUNDSTRAND CORP. OTHER 1071
SUNOCO INC SOLE 4862
SUNOCO INC OTHER 800
SYSCO CORP. SOLE 7225
SYSCO CORP. SOLE 3200
SYSCO CORP. OTHER 3200
SYSCO CORP. OTHER 3800
TECO ENERGY INC. SOLE 19488
TECO ENERGY INC. OTHER 12501
TJX COMPANIES SOLE 126565
TJX COMPANIES SOLE 1800
TJX COMPANIES DEFINED 2312
TJX COMPANIES OTHER 5064
TJX COMPANIES OTHER 1000
TRW INC. SOLE 17946
TRW INC. OTHER 10135
TELLABS INC SOLE 35300
TELLABS INC SOLE 100
TELLABS INC DEFINED 300
TELLABS INC OTHER 1100
TEXACO INC SOLE 47206
TEXACO INC SOLE 700
TEXACO INC DEFINED 400
TEXACO INC DEFINED 9 1600
TEXACO INC OTHER 25492
TEXACO INC OTHER 1000
TEXAS INSTRUMENTS INC SOLE 8392
TEXAS INSTRUMENTS INC SOLE 1800
TEXAS INSTRUMENTS INC OTHER 12920
TEXAS UTILITIES CO SOLE 3600
TEXAS UTILITIES CO DEFINED 1025
TEXAS UTILITIES CO OTHER 2446
TEXTRON INC SOLE 23536
TEXTRON INC OTHER 3280
TIDEWATER INC SOLE 13300
TIDEWATER INC SOLE 1300
TIDEWATER INC DEFINED 500
TIDEWATER INC OTHER 585
TIDEWATER INC OTHER 150
TIME WARNER, INC. SOLE 4875
TIME WARNER, INC. SOLE 225
TIME WARNER, INC. DEFINED 100
TIME WARNER, INC. OTHER 9595
TORONTO DOMINION BANK SOLE 8300
TRICON GLOBAL RESTAURANTS SOLE 2745
TRICON GLOBAL RESTAURANTS OTHER 3850
TRIBUNE CO NEW SOLE 24400
TYCO INTL LTD SOLE 73096
TYCO INTL LTD SOLE 1775
TYCO INTL LTD DEFINED 100
TYCO INTL LTD OTHER 15690
TYCO INTL LTD OTHER 1006
UAL CORP SOLE 14550
UAL CORP OTHER 700
UNUM CORP. SOLE 5400
UNUM CORP. OTHER 12900
UNAPIX ENTERTAINMENT INC. OTHER 34040
UNION PACIFIC CORP SOLE 12245
UNION PACIFIC CORP SOLE 100
UNION PACIFIC CORP OTHER 27257
UNION PACIFIC RES GROUP INC SOLE 3970
UNION PACIFIC RES GROUP INC OTHER 17662
US WEST INC NEW SOLE 13865
US WEST INC NEW SOLE 100
US WEST INC NEW OTHER 5029
US TRUST CORP SOLE 1018
US TRUST CORP OTHER 3718
UNITED TECHNOLOGIES CORP SOLE 65801
UNITED TECHNOLOGIES CORP SOLE 5525
UNITED TECHNOLOGIES CORP DEFINED 650
UNITED TECHNOLOGIES CORP OTHER 12259
UNITED TECHNOLOGIES CORP OTHER 700
UNITIL CORP. COMMON SOLE 10090
UNITIL CORP. COMMON OTHER 29026
UNOCAL CORP. SOLE 6828
UNOCAL CORP. OTHER 3125
V F CORP. SOLE 10870
V F CORP. OTHER 4948
VALASSIS COMMUNICATIONS INC SOLE 4000
VALASSIS COMMUNICATIONS INC OTHER 38
WAL-MART STORES SOLE 198075
WAL-MART STORES SOLE 400
WAL-MART STORES OTHER 6395
WAL-MART STORES OTHER 1274
WALGREEN COMPANY SOLE 11522
WALGREEN COMPANY OTHER 1960
WARNER-LAMBERT CO SOLE 33815
WARNER-LAMBERT CO SOLE 300
WARNER-LAMBERT CO DEFINED 100
WARNER-LAMBERT CO OTHER 50423
WASHINGTON TRUST BANCORP., INC. SOLE 57785
WASHINGTON TRUST BANCORP., INC. SOLE 3000
WASHINGTON TRUST BANCORP., INC. OTHER 31293
WASHINGTON TRUST BANCORP., INC. OTHER 12 2025
WATSON PHARMACEUTICAL INC SOLE 28160
WATSON PHARMACEUTICAL INC OTHER 7100
WELLMAN INC. SOLE 19400
WELLMAN INC. SOLE 3000
WELLMAN INC. DEFINED 1000
WELLMAN INC. OTHER 500
WELLS FARGO & CO NEW SOLE 22000
WELLS FARGO & CO NEW SOLE 750
WELLS FARGO & CO NEW DEFINED 850
WELLS FARGO & CO NEW OTHER 3460
WILLIAMS COMPANIES INC SOLE 163278
WILLIAMS COMPANIES INC DEFINED 9 5700
WILLIAMS COMPANIES INC OTHER 80354
WILLIAMS COMPANIES INC OTHER 1600
WISCONSIN ENERGY CORP. SOLE 12586
WISCONSIN ENERGY CORP. OTHER 6975
XEROX CORP SOLE 7140
XEROX CORP SOLE 675
XEROX CORP OTHER 5150
DAIMLERCHRYSLER AG SOLE 50310
DAIMLERCHRYSLER AG SOLE 249
DAIMLERCHRYSLER AG DEFINED 124
DAIMLERCHRYSLER AG OTHER 7810
TOMMY HILFIGER SOLE 26076
TOMMY HILFIGER SOLE 100
TOMMY HILFIGER OTHER 986
TOMMY HILFIGER OTHER 100
ABINGTON BANCORP SOLE 12600
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 17000
NEW MILFORD BANK & TRUST SOLE 9500
NEW ENGLAND COMMUNITY BNCP SOLE 47000
SEACOAST FINANCIAL SERVICES SOLE 325832
VILLAGE BANCORP SOLE 81000
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