[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: 12/31/1999
Check here if Amendment [ ] Amendment Number:
This Amendment [ ] is a restatement
[ ] adds new holding entries
Institutional Investment Manager Filing this Report:
Name: CITIZENS BANK
Address: 870 WESTMINSTER STREET
PROVIDENCE, RI 02903
13F File Number: 28-05954
The institutional investment Manager filing this report and the
person by whom it is signed hereby represent that the person signing
the report is authorized to submit it, that all
information contained herein is true, correct and complete, and
that it is understood that all required items, statements,
schedules, lists, and tables, are considered intergral parts of
this form.
Person Signing this Report on Behalf of Reporting Manager:
Name: BRADFORD KOPP
Title: GROUP EXECUTIVE VICE PRESIDENT
Phone: 401-456-7570
Signature, Place, and Date of Signing:
BRADFORD KOPP PROVIDENCE, RI 02092000
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: 638
Form 13F Information Table Value Total: $ 1,376,213
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 10556 207740 SH
A T & T COMMON STOCK 001957109 251 4940 SH
A T & T COMMON STOCK 001957109 3580 70464 SH
ABBOTT LABORATORIES COMMON STOCK 002824100 5175 142502 SH
ABBOTT LABORATORIES COMMON STOCK 002824100 269 7400 SH
ABBOTT LABORATORIES COMMON STOCK 002824100 897 24710 SH
ADOBE SYS INC COMMON STOCK 00724F101 599 8912 SH
AETNA INC. COMMON STOCK 008117103 199 3565 SH
AETNA INC. COMMON STOCK 008117103 157 2812 SH
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 926 27596 SH
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 237 7050 SH
ALBERTSONS INC. COMMON STOCK 013104104 183 5663 SH
ALBERTSONS INC. COMMON STOCK 013104104 77 2400 SH
ALCOA INC COMMON STOCK 013817101 1347 16229 SH
ALCOA INC COMMON STOCK 013817101 66 800 SH
ALCOA INC COMMON STOCK 013817101 224 2700 SH
ALLEGHENY ENERGY INC COMMON STOCK 017361106 109 4058 SH
ALLEGHENY ENERGY INC COMMON STOCK 017361106 96 3560 SH
ALLERGAN, INC COMMON STOCK 018490102 1670 33564 SH
ALLERGAN, INC COMMON STOCK 018490102 40 800 SH
ALLSTATE CORP COMMON STOCK 020002101 387 16099 SH
ALLSTATE CORP COMMON STOCK 020002101 243 10080 SH
ALLTEL CORPORATION COMMON STOCK 020039103 1661 20090 SH
ALLTEL CORPORATION COMMON STOCK 020039103 170 2050 SH
ALLTEL CORPORATION COMMON STOCK 020039103 360 4351 SH
AMBAC FINANCIAL GROUP, INC. COMMON STOCK 023139108 233 4465 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 5253 69238 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 235 3100 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 27302 164224 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 129 775 SH
AMERICAN EXPRESS CO COMMON STOCK 025816109 1583 9522 SH
AMERICAN HOME PRODUCTS CORP. COMMON STOCK 026609107 4585 116820 SH
AMERICAN HOME PRODUCTS CORP. COMMON STOCK 026609107 283 7200 SH
AMERICAN HOME PRODUCTS CORP. COMMON STOCK 026609107 3015 76812 SH
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874107 28725 265665 SH
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874107 1316 12172 SH
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874107 31571 291989 SH
AMERICAN POWER CONVERSION COMMON STOCK 029066107 280 10600 SH
AMERICAN POWER CONVERSION COMMON STOCK 029066107 190 7200 SH
AMGEN INC. COMMON STOCK 031162100 4171 69444 SH
AMGEN INC. COMMON STOCK 031162100 87 1450 SH
AMGEN INC. COMMON STOCK 031162100 667 11100 SH
ANHEUSER-BUSCH COMPANIES, INC. COMMON STOCK 035229103 15955 225115 SH
ANHEUSER-BUSCH COMPANIES, INC. COMMON STOCK 035229103 12 175 SH
ANHEUSER-BUSCH COMPANIES, INC. COMMON STOCK 035229103 1203 16978 SH
AON CORP COMMON STOCK 037389103 302 7552 SH
APPLIED MATERIALS INC COMMON STOCK 038222105 1071 8455 SH
APPLIED MATERIALS INC COMMON STOCK 038222105 101 800 SH
APPLIED MATERIALS INC COMMON STOCK 038222105 168 1325 SH
ARGUSS HLDGS INC COMMON STOCK 040282105 8415 647293 SH
ARGUSS HLDGS INC COMMON STOCK 040282105 647 49760 SH
ARGUSS HLDGS INC COMMON STOCK 040282105 647 49760 SH
ARMSTRONG WORLD IND. COMMON STOCK 042476101 192 5750 SH
ARMSTRONG WORLD IND. COMMON STOCK 042476101 33 1000 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 145 5288 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 56 2044 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 2134 24675 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 102 1180 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 1221 14111 SH
AUTOMATIC DATA PROCESSING INC. COMMON STOCK 053015103 11498 213415 SH
AUTOMATIC DATA PROCESSING INC. COMMON STOCK 053015103 560 10400 SH
AUTOMATIC DATA PROCESSING INC. COMMON STOCK 053015103 3098 57495 SH
AVERY DENNISON CORP. COMMON STOCK 053611109 2911 39941 SH
AVERY DENNISON CORP. COMMON STOCK 053611109 36 500 SH
AVERY DENNISON CORP. COMMON STOCK 053611109 570 7826 SH
AVNET, INC. COMMON STOCK 053807103 506 8360 SH
AVNET, INC. COMMON STOCK 053807103 94 1550 SH
BCE INC. FOREIGN STOCK 05534B109 564 6252 SH
BCE INC. FOREIGN STOCK 05534B109 90 1000 SH
BP AMOCO PLC COMMON STOCK 055622104 8691 146532 SH
BP AMOCO PLC COMMON STOCK 055622104 209 3525 SH
BP AMOCO PLC COMMON STOCK 055622104 1849 31170 SH
BMC SOFTWARE COMMON STOCK 055921100 263 3295 SH
BMC SOFTWARE COMMON STOCK 055921100 27 342 SH
BMC SOFTWARE COMMON STOCK 055921100 5 64 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 9601 191296 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 50 1000 SH
BANK OF AMERICA CORP COMMON STOCK 060505104 555 11063 SH
BANK OF NEW YORK CO. INC COMMON STOCK 064057102 166 4158 SH
BANK OF NEW YORK CO. INC COMMON STOCK 064057102 732 18304 SH
BANK ONE CORP COMMON STOCK 06423A103 145 4533 SH
BANK ONE CORP COMMON STOCK 06423A103 132 4140 SH
BAXTER INTERNATIONAL INC. COMMON STOCK 071813109 282 4493 SH
BAXTER INTERNATIONAL INC. COMMON STOCK 071813109 103 1641 SH
BECTON DICKINSON & CO COMMON STOCK 075887109 245 9100 SH
BECTON DICKINSON & CO COMMON STOCK 075887109 30 1110 SH
BECTON DICKINSON & CO COMMON STOCK 075887109 108 4000 SH
BELL ATLANTIC CORP. COMMON STOCK 077853109 22380 363528 SH
BELL ATLANTIC CORP. COMMON STOCK 077853109 774 12578 SH
BELL ATLANTIC CORP. COMMON STOCK 077853109 4733 76887 SH
BELLSOUTH CORPORATION COMMON STOCK 079860102 7247 154812 SH
BELLSOUTH CORPORATION COMMON STOCK 079860102 228 4872 SH
BELLSOUTH CORPORATION COMMON STOCK 079860102 2632 56228 SH
A H BELO CORP COMMON STOCK 080555105 2402 126000 SH
A H BELO CORP COMMON STOCK 080555105 2 120 SH
BERKSHIRE HATHAWAY DEL COMMON STOCK 084670207 95 52 SH
BERKSHIRE HATHAWAY DEL COMMON STOCK 084670207 66 36 SH
BERKSHIRE HATHAWAY DEL COMMON STOCK 084670207 882 482 SH
BESTFOODS COMMON STOCK 08658U101 2302 43800 SH
BESTFOODS COMMON STOCK 08658U101 100 1900 SH
BESTFOODS COMMON STOCK 08658U101 625 11894 SH
BIOGEN, INC. COMMON STOCK 090597105 566 6700 SH
BIOGEN, INC. COMMON STOCK 090597105 116 1375 SH
BOEING CO. COMMON STOCK 097023105 1412 34080 SH
BOEING CO. COMMON STOCK 097023105 41 981 SH
BOEING CO. COMMON STOCK 097023105 560 13512 SH
BOISE CASCADE CORP. COMMON STOCK 097383103 248 6113 SH
BOISE CASCADE CORP. COMMON STOCK 097383103 41 1015 SH
BRIGGS & STRATTON CORP COMMON STOCK 109043109 646 12044 SH
BRIGGS & STRATTON CORP COMMON STOCK 109043109 341 6350 SH
BRISTOL-MYERS SQUIBB CO. COMMON STOCK 110122108 23026 358737 SH
BRISTOL-MYERS SQUIBB CO. COMMON STOCK 110122108 80 1250 SH
BRISTOL-MYERS SQUIBB CO. COMMON STOCK 110122108 6472 100822 SH
BURLINGTON NORTHERN COMMON STOCK 12189T104 204 8415 SH
BURLINGTON NORTHERN COMMON STOCK 12189T104 0 10 SH
BURLINGTON NORTHERN COMMON STOCK 12189T104 89 3670 SH
CBS CORP COMMON STOCK 12490K107 950 14857 SH
CBS CORP COMMON STOCK 12490K107 314 4908 SH
CIGNA COMMON STOCK 125509109 8612 106900 SH
CIGNA COMMON STOCK 125509109 103 1275 SH
CVS CORP COMMON STOCK 126650100 1963 49229 SH
CVS CORP COMMON STOCK 126650100 302 7575 SH
CAMPBELL SOUP CO COMMON STOCK 134429109 565 14600 SH
CAMPBELL SOUP CO COMMON STOCK 134429109 317 8200 SH
CANANDAIGUA BRANDS INC COMMON STOCK 137219200 303 5942 SH
CARNIVAL CRUISE COMMON STOCK 143658102 3941 82425 SH
CARNIVAL CRUISE COMMON STOCK 143658102 280 5850 SH
CATALINA MARKETING CORP COMMON STOCK 148867104 567 4900 SH
CATERPILLAR TRACTOR CO COMMON STOCK 149123101 3304 70205 SH
CATERPILLAR TRACTOR CO COMMON STOCK 149123101 28 600 SH
CHASE MANHATTAN CORP COMMON STOCK 16161A108 6836 87995 SH
CHASE MANHATTAN CORP COMMON STOCK 16161A108 970 12483 SH
CHEVRON CORP COMMON STOCK 166751107 15533 179308 SH
CHEVRON CORP COMMON STOCK 166751107 48 550 SH
CHEVRON CORP COMMON STOCK 166751107 2718 31372 SH
CIRCUIT CITY STORES COMMON STOCK 172737108 2602 57750 SH
CIRCUIT CITY STORES COMMON STOCK 172737108 80 1776 SH
CISCO SYSTEMS COMMON STOCK 17275R102 18703 174594 SH
CISCO SYSTEMS COMMON STOCK 17275R102 96 900 SH
CISCO SYSTEMS COMMON STOCK 17275R102 3159 29490 SH
CITIGROUP INC COMMON STOCK 172967101 18405 330508 SH
CITIGROUP INC COMMON STOCK 172967101 197 3533 SH
CITIGROUP INC COMMON STOCK 172967101 1810 32496 SH
CLOROX CO. COMMON STOCK 189054109 5585 110866 SH
CLOROX CO. COMMON STOCK 189054109 856 17000 SH
COCA-COLA CO. COMMON STOCK 191216100 14006 240446 SH
COCA-COLA CO. COMMON STOCK 191216100 67 1150 SH
COCA-COLA CO. COMMON STOCK 191216100 6910 118635 SH
COLGATE-PALMOLIVE CO. COMMON STOCK 194162103 3183 48967 SH
COLGATE-PALMOLIVE CO. COMMON STOCK 194162103 36 550 SH
COLGATE-PALMOLIVE CO. COMMON STOCK 194162103 1710 26300 SH
COMERICA INC. COMMON STOCK 200340107 206 4403 SH
COMERICA INC. COMMON STOCK 200340107 133 2850 SH
COMPAQ COMPUTER COMMON STOCK 204493100 2890 106793 SH
COMPAQ COMPUTER COMMON STOCK 204493100 11 400 SH
COMPAQ COMPUTER COMMON STOCK 204493100 173 6401 SH
COMPUWARE CORPORATION COMMON STOCK 205638109 286 7670 SH
COMPUWARE CORPORATION COMMON STOCK 205638109 30 808 SH
COMPUWARE CORPORATION COMMON STOCK 205638109 12 330 SH
COMVERSE TECHNOLOGY INC. COMMON STOCK 205862402 326 2253 SH
CONEXANT SYSTEMS INC COMMON STOCK 207142100 266 4000 SH
CONEXANT SYSTEMS INC COMMON STOCK 207142100 83 1250 SH
CONEXANT SYSTEMS INC COMMON STOCK 207142100 116 1750 SH
CONOCO INC. COMMON STOCK 208251405 1003 40314 SH
CONOCO INC. COMMON STOCK 208251405 61 2457 SH
CONOCO INC. COMMON STOCK 208251405 467 18783 SH
CONSECO INC COMMON STOCK 208464107 201 11299 SH
CONSECO INC COMMON STOCK 208464107 25 1395 SH
CONSOLIDATED EDISON INC. COMMON STOCK 209115104 99 2884 SH
CONSOLIDATED EDISON INC. COMMON STOCK 209115104 145 4200 SH
CONSOLIDATED NATURAL GAS CO COMMON STOCK 209615103 484 7460 SH
CONSOLIDATED NATURAL GAS CO COMMON STOCK 209615103 46 701 SH
CONSTELLATION ENERGY CORP COMMON STOCK 210371100 224 7725 SH
CORNING INCORPORATED COMMON STOCK 219350105 577 4478 SH
CORNING INCORPORATED COMMON STOCK 219350105 464 3600 SH
COUNTRYWIDE CREDIT INDS INC COMMON STOCK 222372104 258 10225 SH
COUNTRYWIDE CREDIT INDS INC COMMON STOCK 222372104 20 800 SH
DQE INC. COMMON STOCK 23329J104 512 14800 SH
DQE INC. COMMON STOCK 23329J104 85 2466 SH
DANA CORP. COMMON STOCK 235811106 289 9640 SH
DANA CORP. COMMON STOCK 235811106 122 4088 SH
DANA CORP. COMMON STOCK 235811106 71 2373 SH
DAYTON-HUDSON COMMON STOCK 239753106 762 10375 SH
DAYTON-HUDSON COMMON STOCK 239753106 17 225 SH
DAYTON-HUDSON COMMON STOCK 239753106 70 950 SH
DEERE & CO. COMMON STOCK 244199105 133 3077 SH
DEERE & CO. COMMON STOCK 244199105 88 2022 SH
DELL COMPUTER COMMON STOCK 247025109 6296 123457 SH
DELL COMPUTER COMMON STOCK 247025109 20 400 SH
DELL COMPUTER COMMON STOCK 247025109 885 17350 SH
DIAL CORP NEW COMMON STOCK 25247D101 672 27650 SH
DIAL CORP NEW COMMON STOCK 25247D101 80 3300 SH
DIEBOLD, INC. COMMON STOCK 253651103 123 5249 SH
DIEBOLD, INC. COMMON STOCK 253651103 232 9890 SH
WALT DISNEY CO. COMMON STOCK 254687106 5678 194130 SH
WALT DISNEY CO. COMMON STOCK 254687106 316 10800 SH
WALT DISNEY CO. COMMON STOCK 254687106 741 25340 SH
DONALDSON LUFKIN & JENRETTE COMMON STOCK 257661108 322 6650 SH
RR DONNELLEY & SONS COMMON STOCK 257867101 213 8586 SH
RR DONNELLEY & SONS COMMON STOCK 257867101 141 5675 SH
DOVER CORP. COMMON STOCK 260003108 681 15000 SH
DOW CHEMICAL CO COMMON STOCK 260543103 5334 39917 SH
DOW CHEMICAL CO COMMON STOCK 260543103 776 5807 SH
E.I. DUPONT deNEMOURS & CO. COMMON STOCK 263534109 10019 152093 SH
E.I. DUPONT deNEMOURS & CO. COMMON STOCK 263534109 90 1367 SH
E.I. DUPONT deNEMOURS & CO. COMMON STOCK 263534109 2395 36364 SH
DUKE ENERGY CORP. COMMON STOCK 264399106 287 5725 SH
DUKE ENERGY CORP. COMMON STOCK 264399106 50 1000 SH
DUKE ENERGY CORP. COMMON STOCK 264399106 216 4318 SH
E M C CORP MASS COMMON STOCK 268648102 4803 43960 SH
E M C CORP MASS COMMON STOCK 268648102 22 200 SH
E M C CORP MASS COMMON STOCK 268648102 2461 22525 SH
EASTMAN KODAK CO COMMON STOCK 277461109 877 13239 SH
EASTMAN KODAK CO COMMON STOCK 277461109 484 7300 SH
A G EDWARDS INC COMMON STOCK 281760108 675 21062 SH
A G EDWARDS INC COMMON STOCK 281760108 184 5725 SH
ELECTRONIC DATA SYSTEMS COMMON STOCK 285661104 210 3142 SH
ELECTRONIC DATA SYSTEMS COMMON STOCK 285661104 176 2632 SH
EMERSON ELECTRIC CO. COMMON STOCK 291011104 1509 26300 SH
EMERSON ELECTRIC CO. COMMON STOCK 291011104 126 2200 SH
EMERSON ELECTRIC CO. COMMON STOCK 291011104 719 12530 SH
ENERGYNORTH, INC. COMMON STOCK 292925104 939 17050 SH
ENERGYNORTH, INC. COMMON STOCK 292925104 139 2533 SH
ENRON CORP. COMMON STOCK 293561106 1596 35955 SH
ENRON CORP. COMMON STOCK 293561106 1335 30090 SH
EXXON MOBIL CORP COMMON STOCK 30231G102 36018 447086 SH
EXXON MOBIL CORP COMMON STOCK 30231G102 721 8954 SH
EXXON MOBIL CORP COMMON STOCK 30231G102 15959 198094 SH
FPL GROUP COMMON STOCK 302571104 1879 43894 SH
FPL GROUP COMMON STOCK 302571104 9 200 SH
FPL GROUP COMMON STOCK 302571104 389 9079 SH
FREDDIE MAC COMMON STOCK 313400301 4189 89005 SH
FREDDIE MAC COMMON STOCK 313400301 40 860 SH
FREDDIE MAC COMMON STOCK 313400301 1052 22350 SH
FANNIE MAE COMMON STOCK 313586109 3535 56613 SH
FANNIE MAE COMMON STOCK 313586109 262 4200 SH
FANNIE MAE COMMON STOCK 313586109 626 10030 SH
FIRST UNION CORP COMMON STOCK 337358105 4475 135866 SH
FIRST UNION CORP COMMON STOCK 337358105 688 20891 SH
FIRSTAR CORP NEW WIS COMMON STOCK 33763V109 477 22582 SH
FIRSTAR CORP NEW WIS COMMON STOCK 33763V109 67 3192 SH
FLEETBOSTON FINL CORP COMMON STOCK 339030108 11273 323824 SH
FLEETBOSTON FINL CORP COMMON STOCK 339030108 199 5724 SH
FLEETBOSTON FINL CORP COMMON STOCK 339030108 3181 91386 SH
FLEETWOOD ENTERPRISES COMMON STOCK 339099103 195 9450 SH
FLEETWOOD ENTERPRISES COMMON STOCK 339099103 12 600 SH
FLORIDA PROGRESS CORP. COMMON STOCK 341109106 155 3674 SH
FLORIDA PROGRESS CORP. COMMON STOCK 341109106 63 1500 SH
FORD MOTOR CO COMMON STOCK 345370100 1672 31354 SH
FORD MOTOR CO COMMON STOCK 345370100 362 6799 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 160 4840 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 23 700 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 82 2470 SH
GTE CORP. COMMON STOCK 362320103 7232 102484 SH
GTE CORP. COMMON STOCK 362320103 2151 30490 SH
GANNETT INC. COMMON STOCK 364730101 297 3645 SH
GANNETT INC. COMMON STOCK 364730101 97 1190 SH
GAP, INC. COMMON STOCK 364760108 5109 111068 SH
GAP, INC. COMMON STOCK 364760108 14 300 SH
GAP, INC. COMMON STOCK 364760108 211 4593 SH
GATEWAY INC COM COMMON STOCK 367626108 4422 61360 SH
GATEWAY INC COM COMMON STOCK 367626108 44 616 SH
GATEWAY INC COM COMMON STOCK 367626108 43 600 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 88827 574002 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 2048 13232 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 31033 200536 SH
GENERAL MILLS INC COMMON STOCK 370334104 908 25400 SH
GENERAL MILLS INC COMMON STOCK 370334104 204 5700 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 1959 26951 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 35 480 SH
GENERAL MOTORS CORP. COMMON STOCK 370442105 669 9202 SH
GENTEX COMMON STOCK 371901109 130 4700 SH
GENTEX COMMON STOCK 371901109 250 9000 SH
GENUINE PARTS COMMON STOCK 372460105 117 4717 SH
GENUINE PARTS COMMON STOCK 372460105 214 8605 SH
GEORGIA-PACIFIC CORP COMMON STOCK 373298108 369 7279 SH
GEORGIA-PACIFIC CORP COMMON STOCK 373298108 137 2694 SH
GILLETTE CO COMMON STOCK 375766102 4810 116785 SH
GILLETTE CO COMMON STOCK 375766102 4 100 SH
GILLETTE CO COMMON STOCK 375766102 1339 32499 SH
GLAXO WELLCOME PLC COMMON STOCK 37733W105 151 2700 SH
GLAXO WELLCOME PLC COMMON STOCK 37733W105 138 2470 SH
B. F. GOODRICH COMMON STOCK 382388106 991 36025 SH
B. F. GOODRICH COMMON STOCK 382388106 7 250 SH
B. F. GOODRICH COMMON STOCK 382388106 12 450 SH
GRAINGER W W INC COMMON STOCK 384802104 343 7170 SH
GRAINGER W W INC COMMON STOCK 384802104 38 800 SH
GRAINGER W W INC COMMON STOCK 384802104 81 1700 SH
GUIDANT CORPORATION COMMON STOCK 401698105 869 18490 SH
GUIDANT CORPORATION COMMON STOCK 401698105 9 200 SH
GUIDANT CORPORATION COMMON STOCK 401698105 28 600 SH
HALLIBURTON CO COMMON STOCK 406216101 2990 74275 SH
HALLIBURTON CO COMMON STOCK 406216101 105 2600 SH
HALLIBURTON CO COMMON STOCK 406216101 805 20000 SH
HARLEY DAVIDSON INC COMMON STOCK 412822108 252 3935 SH
HASBRO, INC. COMMON STOCK 418056107 322 17014 SH
HASBRO, INC. COMMON STOCK 418056107 14 750 SH
HASBRO, INC. COMMON STOCK 418056107 149 7843 SH
H.J. HEINZ CO. COMMON STOCK 423074103 196 4920 SH
H.J. HEINZ CO. COMMON STOCK 423074103 155 3900 SH
HERSHEY FOODS CORP. COMMON STOCK 427866108 1968 41489 SH
HERSHEY FOODS CORP. COMMON STOCK 427866108 397 8368 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 23674 208119 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 176 1550 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 1763 15500 SH
HOME DEPOT INC. COMMON STOCK 437076102 10364 150753 SH
HOME DEPOT INC. COMMON STOCK 437076102 206 3000 SH
HOME DEPOT INC. COMMON STOCK 437076102 1328 19315 SH
HONEYWELL INTL INC COMMON STOCK 438516106 9791 169733 SH
HONEYWELL INTL INC COMMON STOCK 438516106 35 600 SH
HONEYWELL INTL INC COMMON STOCK 438516106 1109 19226 SH
HOUSEHOLD INTERNATIONAL INC. COMMON STOCK 441815107 350 9400 SH
HOUSEHOLD INTERNATIONAL INC. COMMON STOCK 441815107 114 3066 SH
HUBBELL INC. COMMON STOCK 443510201 168 6176 SH
HUBBELL INC. COMMON STOCK 443510201 129 4726 SH
IDEXX LABS, INC. COMMON STOCK 45168D104 484 30000 SH
INTEL CORP COMMON STOCK 458140100 35042 425721 SH
INTEL CORP COMMON STOCK 458140100 551 6700 SH
INTEL CORP COMMON STOCK 458140100 5781 70230 SH
INTERNATIONAL BUSINESS MACHINES COMMON STOCK 459200101 32061 297202 SH
INTERNATIONAL BUSINESS MACHINES COMMON STOCK 459200101 329 3050 SH
INTERNATIONAL BUSINESS MACHINES COMMON STOCK 459200101 4150 38472 SH
INTERNATIONAL PAPER CO COMMON STOCK 460146103 529 9376 SH
INTERNATIONAL PAPER CO COMMON STOCK 460146103 289 5112 SH
INTERNET CAP GROUP INC COMMON STOCK 46059C106 340 2000 SH
INTERPUBLIC GROUP COS INC COMMON STOCK 460690100 1956 33904 SH
INTERPUBLIC GROUP COS INC COMMON STOCK 460690100 572 9924 SH
INTERSYSTEMS, INC. COMMON STOCK 460920101 6 10000 SH
INTIMATE BRANDS INC COMMON STOCK 461156101 222 5145 SH
INTIMATE BRANDS INC COMMON STOCK 461156101 4 102 SH
INTUIT COMMON STOCK 461202103 202 3375 SH
JABIL CIRCUIT INC COMMON STOCK 466313103 404 5530 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 29740 318926 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 475 5090 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 7903 84754 SH
JOHNSON CONTROLS INC COMMON STOCK 478366107 5992 105355 SH
JOHNSON CONTROLS INC COMMON STOCK 478366107 46 800 SH
JOHNSON CONTROLS INC COMMON STOCK 478366107 1038 18252 SH
JONES APPAREL COMMON STOCK 480074103 492 18141 SH
JONES APPAREL COMMON STOCK 480074103 3 96 SH
KANSAS CITY SOUTHERN IND INC COMMON STOCK 485170104 462 6190 SH
KANSAS CITY SOUTHERN IND INC COMMON STOCK 485170104 75 1000 SH
KIMBERLY CLARK COMMON STOCK 494368103 6354 97104 SH
KIMBERLY CLARK COMMON STOCK 494368103 46 700 SH
KIMBERLY CLARK COMMON STOCK 494368103 1346 20572 SH
LEGATO SYSTEMS INC COMMON STOCK 524651106 766 11126 SH
LEGATO SYSTEMS INC COMMON STOCK 524651106 7 100 SH
ELI LILLY & CO. COMMON STOCK 532457108 1575 23688 SH
ELI LILLY & CO. COMMON STOCK 532457108 479 7200 SH
LOWE'S COMPANIES INC COMMON STOCK 548661107 401 6705 SH
LOWE'S COMPANIES INC COMMON STOCK 548661107 72 1200 SH
LOWE'S COMPANIES INC COMMON STOCK 548661107 18 300 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 43970 586271 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 527 7022 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 8479 113049 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 3594 67735 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 8 150 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 218 4116 SH
MARSH & MCLENNAN COMMON STOCK 571748102 1785 18653 SH
MARSH & MCLENNAN COMMON STOCK 571748102 24 250 SH
MARRIOTT INTL' INC. NEW COMMON STOCK 571903202 1433 45400 SH
MARRIOTT INTL' INC. NEW COMMON STOCK 571903202 19 600 SH
MAY DEPARTMENT STORES COMMON STOCK 577778103 760 23562 SH
MAY DEPARTMENT STORES COMMON STOCK 577778103 19 600 SH
MAY DEPARTMENT STORES COMMON STOCK 577778103 216 6711 SH
MCDONALDS CORP. COMMON STOCK 580135101 9748 241812 SH
MCDONALDS CORP. COMMON STOCK 580135101 306 7600 SH
MCDONALDS CORP. COMMON STOCK 580135101 1258 31210 SH
MCGRAW-HILL, INC. COMMON STOCK 580645109 245 3975 SH
MCGRAW-HILL, INC. COMMON STOCK 580645109 283 4600 SH
MEAD CORP. COMMON STOCK 582834107 415 9550 SH
MEAD CORP. COMMON STOCK 582834107 222 5100 SH
MEDIAONE GROUP INC. COMMON STOCK 58440J104 9510 123807 SH
MEDIAONE GROUP INC. COMMON STOCK 58440J104 662 8624 SH
MEDIMMUNE INC. COMMON STOCK 584699102 1167 7035 SH
MEDTRONIC INC COMMON STOCK 585055106 2827 77590 SH
MEDTRONIC INC COMMON STOCK 585055106 36 1000 SH
MEDTRONIC INC COMMON STOCK 585055106 525 14400 SH
MELLON FINL CORP COMMON STOCK 58551A108 525 15406 SH
MELLON FINL CORP COMMON STOCK 58551A108 402 11800 SH
MERCK & CO., INC. COMMON STOCK 589331107 25123 373923 SH
MERCK & CO., INC. COMMON STOCK 589331107 564 8400 SH
MERCK & CO., INC. COMMON STOCK 589331107 6757 100572 SH
MERRILL LYNCH & CO. INC. COMMON STOCK 590188108 500 6005 SH
MERRILL LYNCH & CO. INC. COMMON STOCK 590188108 508 6100 SH
MICROSOFT CORP COMMON STOCK 594918104 35707 305840 SH
MICROSOFT CORP COMMON STOCK 594918104 455 3900 SH
MICROSOFT CORP COMMON STOCK 594918104 6371 54570 SH
MINNESOTA MINING & MFG CO. COMMON STOCK 604059105 8251 84305 SH
MINNESOTA MINING & MFG CO. COMMON STOCK 604059105 358 3656 SH
MINNESOTA MINING & MFG CO. COMMON STOCK 604059105 1454 14856 SH
MONSANTO CO COMMON STOCK 611662107 1874 52880 SH
MONSANTO CO COMMON STOCK 611662107 127 3575 SH
MONSANTO CO COMMON STOCK 611662107 1055 29766 SH
J P MORGAN & CO COMMON STOCK 616880100 5135 40550 SH
J P MORGAN & CO COMMON STOCK 616880100 203 1600 SH
J P MORGAN & CO COMMON STOCK 616880100 3184 25148 SH
MORGAN STANLEY COMMON STOCK 617446448 5840 40913 SH
MORGAN STANLEY COMMON STOCK 617446448 14 100 SH
MORGAN STANLEY COMMON STOCK 617446448 383 2680 SH
MOTOROLA INC COMMON STOCK 620076109 2612 17739 SH
MOTOROLA INC COMMON STOCK 620076109 96 650 SH
MOTOROLA INC COMMON STOCK 620076109 633 4300 SH
NABORS INDUSTRIES, INC COMMON STOCK 629568106 427 13800 SH
NATIONAL CITY CORP. COMMON STOCK 635405103 741 31290 SH
NATIONAL CITY CORP. COMMON STOCK 635405103 19 800 SH
NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 247 5316 SH
NEW ENGLAND ELECTRIC SYS COMMON STOCK 644001109 318 6137 SH
NEW ENGLAND ELECTRIC SYS COMMON STOCK 644001109 73 1416 SH
NEW ENGLAND ELECTRIC SYS COMMON STOCK 644001109 191 3694 SH
NEW YORK TIMES COMMON STOCK 650111107 3138 63875 SH
NEW YORK TIMES COMMON STOCK 650111107 59 1200 SH
NEXTEL COMMUNICATIONS COMMON STOCK 65332V103 229 2225 SH
NIKE, INC. CLASS B COMMON STOCK 654106103 223 4500 SH
NOKIA CORP COMMON STOCK 654902204 284 1486 SH
NORFOLK SOUTHERN CORP. COMMON STOCK 655844108 1648 80380 SH
NORFOLK SOUTHERN CORP. COMMON STOCK 655844108 92 4500 SH
NORFOLK SOUTHERN CORP. COMMON STOCK 655844108 463 22569 SH
NORTEL NETWORKS CORP COMMON STOCK 656569100 452 4476 SH
NORTEL NETWORKS CORP COMMON STOCK 656569100 485 4800 SH
NORTHERN STATES PWR CO COMMON STOCK 665772109 153 7850 SH
NORTHERN STATES PWR CO COMMON STOCK 665772109 90 4600 SH
NSTAR COM COMMON STOCK 67019E107 430 10624 SH
NSTAR COM COMMON STOCK 67019E107 108 2658 SH
NUCOR CORP COMMON STOCK 670346105 184 3350 SH
NUCOR CORP COMMON STOCK 670346105 101 1850 SH
NUVEEN MUNICIPAL VALUE FUND TAX EXEMPT FUND 670928100 118 15000 PRN
NUVEEN MUNICIPAL VALUE FUND TAX EXEMPT FUND 670928100 30 3800 PRN
OMNICOM GROUP COMMON STOCK 681919106 475 4750 SH
OMNICOM GROUP COMMON STOCK 681919106 5 48 SH
ORACLE SYSTEMS CORP. COMMON STOCK 68389X105 8302 74083 SH
ORACLE SYSTEMS CORP. COMMON STOCK 68389X105 25 225 SH
ORACLE SYSTEMS CORP. COMMON STOCK 68389X105 270 2410 SH
OWENS ILLINOIS INC. COMMON STOCK 690768403 648 25850 SH
PLC SYSTEMS, INC COMMON STOCK 69341D104 132 66100 SH
PNC BANK CORP COMMON STOCK 693475105 1343 30176 SH
PNC BANK CORP COMMON STOCK 693475105 31 700 SH
PPG INDUSTRIES, INC. COMMON STOCK 693506107 1335 21345 SH
PPG INDUSTRIES, INC. COMMON STOCK 693506107 88 1400 SH
PPG INDUSTRIES, INC. COMMON STOCK 693506107 235 3750 SH
PARK PLACE ENTERTAINMENT CORP COMMON STOCK 700690100 53 4200 SH
PARK PLACE ENTERTAINMENT CORP COMMON STOCK 700690100 80 6400 SH
PEOPLE'S HERITAGE FINANCIAL GRP COMMON STOCK 711147108 429 28480 SH
PEOPLE'S HERITAGE FINANCIAL GRP COMMON STOCK 711147108 705 46812 SH
PEPSICO INC COMMON STOCK 713448108 6766 191949 SH
PEPSICO INC COMMON STOCK 713448108 63 1800 SH
PEPSICO INC COMMON STOCK 713448108 2960 83958 SH
PFIZER INC COMMON STOCK 717081103 5419 167063 SH
PFIZER INC COMMON STOCK 717081103 45 1400 SH
PFIZER INC COMMON STOCK 717081103 1834 56549 SH
PHILIP MORRIS COS INC. COMMON STOCK 718154107 932 40537 SH
PHILIP MORRIS COS INC. COMMON STOCK 718154107 544 23650 SH
PHILLIPS PETROLEUM CO COMMON STOCK 718507106 1047 22285 SH
PHILLIPS PETROLEUM CO COMMON STOCK 718507106 47 1000 SH
PHILLIPS PETROLEUM CO COMMON STOCK 718507106 93 1974 SH
PILGRIM PRIME RATE TR NEW FIXED INCOME FU 72146W103 24 3000 SH
PILGRIM PRIME RATE TR NEW FIXED INCOME FU 72146W103 62 7800 SH
PITNEY BOWES COMMON STOCK 724479100 1515 31360 SH
PITNEY BOWES COMMON STOCK 724479100 1139 23575 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 17402 158829 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 471 4300 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 6520 59512 SH
PROVIDIAN FINANCIAL CORP COMMON STOCK 74406A102 414 4541 SH
PROVIDIAN FINANCIAL CORP COMMON STOCK 74406A102 41 450 SH
QUADRAX CORP COMMON STOCK 746905405 0 15800 SH
QUAKER OATS CO. COMMON STOCK 747402105 345 5250 SH
QUAKER OATS CO. COMMON STOCK 747402105 46 700 SH
QUAKER OATS CO. COMMON STOCK 747402105 811 12360 SH
QUALCOMM CORP COMMON STOCK 747525103 1062 6028 SH
QUALCOMM CORP COMMON STOCK 747525103 423 2400 SH
QUALCOMM CORP COMMON STOCK 747525103 159 900 SH
RAYTHEON CO. COMMON STOCK 755111408 830 31235 SH
RAYTHEON CO. COMMON STOCK 755111408 62 2350 SH
RAYTHEON CO. COMMON STOCK 755111408 195 7330 SH
ROCKWELL INTL CORP COMMON STOCK 773903109 254 5300 SH
ROCKWELL INTL CORP COMMON STOCK 773903109 74 1550 SH
ROCKWELL INTL CORP COMMON STOCK 773903109 74 1550 SH
ROHM & HAAS INC. COMMON STOCK 775371107 1494 36730 SH
ROHM & HAAS INC. COMMON STOCK 775371107 213 5247 SH
ROSS STORES INC COMMON STOCK 778296103 422 23500 SH
ROSS STORES INC COMMON STOCK 778296103 47 2600 SH
ROYAL DUTCH PETROLEUM CO. FOREIGN STOCK 780257804 801 13221 SH
ROYAL DUTCH PETROLEUM CO. FOREIGN STOCK 780257804 97 1600 SH
ROYAL DUTCH PETROLEUM CO. FOREIGN STOCK 780257804 830 13713 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 7736 158697 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 265 5433 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 3319 68077 SH
SAFEWAY INC. COMMON STOCK 786514208 2605 72875 SH
SAFEWAY INC. COMMON STOCK 786514208 50 1400 SH
SARA LEE CORP COMMON STOCK 803111103 1651 74830 SH
SARA LEE CORP COMMON STOCK 803111103 125 5657 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 11187 263990 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 102 2400 SH
SCHERING-PLOUGH CORP COMMON STOCK 806605101 2039 48120 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 541 9640 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 417 7438 SH
SCIENTIFIC-ATLANTA, INC. COMMON STOCK 808655104 300 5365 SH
SCIENTIFIC-ATLANTA, INC. COMMON STOCK 808655104 20 360 SH
SEAGATE TECHNOLOGY COMMON STOCK 811804103 511 10975 SH
SEAGATE TECHNOLOGY COMMON STOCK 811804103 37 800 SH
SEAGRAM COMPANY LTD. FOREIGN STOCK 811850106 121 2700 SH
SEAGRAM COMPANY LTD. FOREIGN STOCK 811850106 157 3500 SH
SEARS ROEBUCK & CO COMMON STOCK 812387108 334 10984 SH
SEARS ROEBUCK & CO COMMON STOCK 812387108 39 1300 SH
SEARS ROEBUCK & CO COMMON STOCK 812387108 189 6236 SH
SELFCARE INC COMMON STOCK 81631R107 32 10000 SH
SEMPRA ENERGY COMMON STOCK 816851109 455 26212 SH
SIEBEL INC COMMON STOCK 826170102 739 8800 SH
SMITHKLINE BEECHAM COMMON STOCK 832378301 70 1091 SH
SMITHKLINE BEECHAM COMMON STOCK 832378301 257 4000 SH
SOLECTRON CORP COMMON STOCK 834182107 859 9025 SH
SOLUTIA INC COMMON STOCK 834376105 256 16575 SH
SOLUTIA INC COMMON STOCK 834376105 44 2823 SH
SOUTHDOWN INC. COMMON STOCK 841297104 503 9750 SH
SOUTHERN CO COMMON STOCK 842587107 204 8662 SH
SOUTHERN CO COMMON STOCK 842587107 148 6300 SH
SOUTHWEST AIRLINES COMMON STOCK 844741108 141 8754 SH
SOUTHWEST AIRLINES COMMON STOCK 844741108 5 300 SH
SOUTHWEST AIRLINES COMMON STOCK 844741108 27 1686 SH
SPRINT CORPORATION COM COMMON STOCK 852061100 3396 50455 SH
SPRINT CORPORATION COM COMMON STOCK 852061100 269 4000 SH
SPRINT CORPORATION COM COMMON STOCK 852061506 713 6954 SH
SPRINT CORPORATION COM COMMON STOCK 852061506 164 1600 SH
STANLEY WORKS COMMON STOCK 854616109 75 2500 SH
STANLEY WORKS COMMON STOCK 854616109 173 5752 SH
STATE STREET CORP COMMON STOCK 857477103 1537 21040 SH
STATE STREET CORP COMMON STOCK 857477103 764 10450 SH
SUN MICROSYSTEMS INC. COMMON STOCK 866810104 12394 160050 SH
SUN MICROSYSTEMS INC. COMMON STOCK 866810104 108 1400 SH
SUN MICROSYSTEMS INC. COMMON STOCK 866810104 1223 15790 SH
SYSCO CORP. COMMON STOCK 871829107 287 7260 SH
SYSCO CORP. COMMON STOCK 871829107 75 1900 SH
SYSCO CORP. COMMON STOCK 871829107 253 6400 SH
TECO ENERGY INC. COMMON STOCK 872375100 252 13588 SH
TECO ENERGY INC. COMMON STOCK 872375100 223 12000 SH
TJX COMPANIES COMMON STOCK 872540109 2583 126365 SH
TJX COMPANIES COMMON STOCK 872540109 49 2412 SH
TJX COMPANIES COMMON STOCK 872540109 94 4614 SH
TRW INC. COMMON STOCK 872649108 926 17826 SH
TRW INC. COMMON STOCK 872649108 364 7000 SH
TANDY CORP. COMMON STOCK 875382103 197 4000 SH
TANDY CORP. COMMON STOCK 875382103 5 94 SH
TELLABS INC COMMON STOCK 879664100 5092 79333 SH
TELLABS INC COMMON STOCK 879664100 39 600 SH
TELLABS INC COMMON STOCK 879664100 99 1550 SH
TEXACO INC COMMON STOCK 881694103 2701 49725 SH
TEXACO INC COMMON STOCK 881694103 119 2200 SH
TEXACO INC COMMON STOCK 881694103 904 16636 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 2010 20799 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 22 225 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 2598 26890 SH
TEXAS UTILITIES CO COMMON STOCK 882848104 132 3725 SH
TEXAS UTILITIES CO COMMON STOCK 882848104 78 2180 SH
TEXTRON INC COMMON STOCK 883203101 2054 26781 SH
TEXTRON INC COMMON STOCK 883203101 277 3618 SH
TIDEWATER INC COMMON STOCK 886423102 757 21025 SH
TIDEWATER INC COMMON STOCK 886423102 21 585 SH
TIFFANY & CO. COMMON STOCK 886547108 319 3575 SH
TIFFANY & CO. COMMON STOCK 886547108 9 100 SH
TIME WARNER, INC. COMMON STOCK 887315109 1506 20820 SH
TIME WARNER, INC. COMMON STOCK 887315109 7 100 SH
TIME WARNER, INC. COMMON STOCK 887315109 627 8665 SH
TORONTO DOMINION BANK FOREIGN STOCK 891160509 448 16600 SH
TRICON GLOBAL RESTAURANTS COMMON STOCK 895953107 104 2705 SH
TRICON GLOBAL RESTAURANTS COMMON STOCK 895953107 109 2830 SH
TRIBUNE CO NEW COMMON STOCK 896047107 2450 44500 SH
TYCO INTL LTD COMMON STOCK 902124106 6024 154464 SH
TYCO INTL LTD COMMON STOCK 902124106 39 1000 SH
TYCO INTL LTD COMMON STOCK 902124106 1179 30230 SH
UAL CORP COMMON STOCK 902549500 1012 13050 SH
UAL CORP COMMON STOCK 902549500 62 800 SH
UNAPIX ENTERTAINMENT INC. COMMON STOCK 904270105 65 34498 SH
UNION PACIFIC CORP COMMON STOCK 907818108 1031 23591 SH
UNION PACIFIC CORP COMMON STOCK 907818108 474 10840 SH
UNION PACIFIC RES GROUP INC COMMON STOCK 907834105 91 7113 SH
UNION PACIFIC RES GROUP INC COMMON STOCK 907834105 38 2956 SH
UNITED STATES CELLULAR CORP COMMON STOCK 911684108 729 7225 SH
UNITED STATES CELLULAR CORP COMMON STOCK 911684108 10 100 SH
US WEST INC NEW COMMON STOCK 91273H101 636 8828 SH
US WEST INC NEW COMMON STOCK 91273H101 38 532 SH
US WEST INC NEW COMMON STOCK 91273H101 372 5163 SH
US TRUST CORP COMMON STOCK 91288L105 298 3718 SH
US TRUST CORP COMMON STOCK 91288L105 82 1018 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 11416 175626 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 143 2200 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 1157 17793 SH
UNITIL CORP. COMMON COMMON STOCK 913259107 328 9168 SH
UNITIL CORP. COMMON COMMON STOCK 913259107 888 24846 SH
UNOCAL CORP. COMMON STOCK 915289102 229 6828 SH
UNOCAL CORP. COMMON STOCK 915289102 81 2425 SH
UNUMPROVIDENT CORP COMMON STOCK 91529Y106 175 5460 SH
UNUMPROVIDENT CORP COMMON STOCK 91529Y106 180 5624 SH
US FREIGHTWAYS CORP COMMON STOCK 916906100 316 6600 SH
V F CORP. COMMON STOCK 918204108 266 8870 SH
V F CORP. COMMON STOCK 918204108 55 1848 SH
VIACOM INC. COMMON STOCK 925524100 269 4450 SH
VIACOM INC. COMMON STOCK 925524100 119 1975 SH
VIACOM INC. COMMON STOCK 925524308 375 6198 SH
VIACOM INC. COMMON STOCK 925524308 37 606 SH
VODAFONE AIRTOUCH PLC COMMON STOCK 92857T107 824 16640 SH
VODAFONE AIRTOUCH PLC COMMON STOCK 92857T107 702 14190 SH
WAL-MART STORES COMMON STOCK 931142103 27179 393187 SH
WAL-MART STORES COMMON STOCK 931142103 200 2898 SH
WAL-MART STORES COMMON STOCK 931142103 1240 17945 SH
WALGREEN COMPANY COMMON STOCK 931422109 324 11070 SH
WALGREEN COMPANY COMMON STOCK 931422109 133 4560 SH
WARNER-LAMBERT CO COMMON STOCK 934488107 3523 42995 SH
WARNER-LAMBERT CO COMMON STOCK 934488107 3456 42176 SH
WASHINGTON TRUST BANCORP., INC. COMMON STOCK 940610108 211 11893 SH
WASHINGTON TRUST BANCORP., INC. COMMON STOCK 940610108 1313 73990 SH
WATSON PHARMACEUTICAL INC COMMON STOCK 942683103 501 13985 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 858 21230 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 34 850 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 195 4820 SH
WEYERHAEUSER CO COMMON STOCK 962166104 725 10100 SH
WILLIAMS COMPANIES INC COMMON STOCK 969457100 4787 156628 SH
WILLIAMS COMPANIES INC COMMON STOCK 969457100 185 6050 SH
WILLIAMS COMPANIES INC COMMON STOCK 969457100 1496 48954 SH
WISCONSIN ENERGY CORP. COMMON STOCK 976657106 242 12586 SH
WISCONSIN ENERGY CORP. COMMON STOCK 976657106 133 6925 SH
XYBERNAUT CORP COMMON STOCK 984149104 108 20000 SH
YAHOO INC COMMON STOCK 984332106 206 475 SH
DAIMLERCHRYSLER AG COMMON STOCK D1668R123 1329 17036 SH
DAIMLERCHRYSLER AG COMMON STOCK D1668R123 399 5113 SH
GLOBAL CROSSING LTD COMMON STOCK G3921A100 738 14760 SH
TOMMY HILFIGER COMMON STOCK G8915Z102 1244 53217 SH
TOMMY HILFIGER COMMON STOCK G8915Z102 25 1072 SH
ABINGTON BANCORP COMMON STOCK 00350P100 414 38700 SH
BOSTONFED BANCORP INC. COMMON STOCK 101178101 1172 75600 SH
FIRST FED OF EAST HARTFORD COMMON STOCK 319944104 781 24800 SH
FIRST ESSEX BANCORP, INC. COMMON STOCK 320103104 1059 72700 SH
FIRST UNION CORP. (FTU) COMMON STOCK 337358105 836 25000 SH
GRANITE STATE BANKSHARES, INC. COMMON STOCK 387472103 1988 100000 SH
INDEPENDENT BANK CORP. (INDB) COMMON STOCK 453836108 1666 130700 SH
IVILLAGE INC. COMMON STOCK 46588H105 154 5830 SH
LAWRENCE SAVINGS BANK (LSBX) COMMON STOCK 520341108 111 15000 SH
MECHANICS SAVINGS BANK COMMON STOCK 583492103 4301 126500 SH
SEACOAST FINANCIAL SERVICES COMMON STOCK 81170Q106 2244 225832 SH
NAME OF ISSUER INVSTMT OTHER VOTING AUTHORITY
SECURITY NAME DISCRTN MANAGERS SOLE SHARED NONE
A T & T SOLE 196840
A T & T SOLE 10900
A T & T DEFINED 2150
A T & T DEFINED 9 2790
A T & T OTHER 69264
A T & T OTHER 1200
ABBOTT LABORATORIES SOLE 142502
ABBOTT LABORATORIES DEFINED 4000
ABBOTT LABORATORIES DEFINED 9 3400
ABBOTT LABORATORIES OTHER 22710
ABBOTT LABORATORIES OTHER 12 2000
ADOBE SYS INC SOLE 8612
ADOBE SYS INC SOLE 300
AETNA INC. SOLE 3565
AETNA INC. OTHER 2812
AIR PRODUCTS & CHEMICALS INC SOLE 27596
AIR PRODUCTS & CHEMICALS INC OTHER 7050
ALBERTSONS INC. SOLE 5663
ALBERTSONS INC. OTHER 2400
ALCOA INC SOLE 11229
ALCOA INC SOLE 5000
ALCOA INC DEFINED 800
ALCOA INC OTHER 2700
ALLEGHENY ENERGY INC SOLE 4058
ALLEGHENY ENERGY INC OTHER 3560
ALLERGAN, INC SOLE 33364
ALLERGAN, INC SOLE 200
ALLERGAN, INC OTHER 800
ALLSTATE CORP SOLE 16099
ALLSTATE CORP OTHER 10080
ALLTEL CORPORATION SOLE 19940
ALLTEL CORPORATION SOLE 150
ALLTEL CORPORATION DEFINED 250
ALLTEL CORPORATION DEFINED 1800
ALLTEL CORPORATION OTHER 4351
AMBAC FINANCIAL GROUP, INC. SOLE 4465
AMERICA ONLINE INC SOLE 69238
AMERICA ONLINE INC OTHER 3100
AMERICAN EXPRESS CO SOLE 163724
AMERICAN EXPRESS CO SOLE 500
AMERICAN EXPRESS CO DEFINED 775
AMERICAN EXPRESS CO OTHER 7522
AMERICAN EXPRESS CO OTHER 12 2000
AMERICAN HOME PRODUCTS CORP. SOLE 106420
AMERICAN HOME PRODUCTS CORP. SOLE 10400
AMERICAN HOME PRODUCTS CORP. DEFINED 200
AMERICAN HOME PRODUCTS CORP. DEFINED 9 7000
AMERICAN HOME PRODUCTS CORP. OTHER 74812
AMERICAN HOME PRODUCTS CORP. OTHER 400
AMERICAN HOME PRODUCTS CORP. OTHER 12 1600
AMERICAN INTERNATIONAL GROUP SOLE 265540
AMERICAN INTERNATIONAL GROUP SOLE 125
AMERICAN INTERNATIONAL GROUP DEFINED 4983
AMERICAN INTERNATIONAL GROUP DEFINED 2761
AMERICAN INTERNATIONAL GROUP DEFINED 9 4428
AMERICAN INTERNATIONAL GROUP OTHER 291146
AMERICAN INTERNATIONAL GROUP OTHER 12 843
AMERICAN POWER CONVERSION SOLE 10600
AMERICAN POWER CONVERSION OTHER 7200
AMGEN INC. SOLE 69144
AMGEN INC. SOLE 300
AMGEN INC. DEFINED 1450
AMGEN INC. OTHER 11100
ANHEUSER-BUSCH COMPANIES, INC. SOLE 219265
ANHEUSER-BUSCH COMPANIES, INC. SOLE 5850
ANHEUSER-BUSCH COMPANIES, INC. DEFINED 175
ANHEUSER-BUSCH COMPANIES, INC. OTHER 16978
AON CORP SOLE 7552
APPLIED MATERIALS INC SOLE 8355
APPLIED MATERIALS INC SOLE 100
APPLIED MATERIALS INC DEFINED 800
APPLIED MATERIALS INC OTHER 1325
ARGUSS HLDGS INC SOLE 647293
ARGUSS HLDGS INC DEFINED 49760
ARGUSS HLDGS INC OTHER 49760
ARMSTRONG WORLD IND. SOLE 5750
ARMSTRONG WORLD IND. DEFINED 9 1000
ASSOCIATES FIRST CAPITAL CORP SOLE 5288
ASSOCIATES FIRST CAPITAL CORP OTHER 2044
ATLANTIC RICHFIELD CO SOLE 24675
ATLANTIC RICHFIELD CO DEFINED 9 1180
ATLANTIC RICHFIELD CO OTHER 14111
AUTOMATIC DATA PROCESSING INC. SOLE 200415
AUTOMATIC DATA PROCESSING INC. SOLE 13000
AUTOMATIC DATA PROCESSING INC. DEFINED 8000
AUTOMATIC DATA PROCESSING INC. DEFINED 2400
AUTOMATIC DATA PROCESSING INC. OTHER 57045
AUTOMATIC DATA PROCESSING INC. OTHER 450
AVERY DENNISON CORP. SOLE 39791
AVERY DENNISON CORP. SOLE 150
AVERY DENNISON CORP. DEFINED 500
AVERY DENNISON CORP. OTHER 7826
AVNET, INC. SOLE 8360
AVNET, INC. OTHER 1550
BCE INC. SOLE 6252
BCE INC. OTHER 1000
BP AMOCO PLC SOLE 146532
BP AMOCO PLC DEFINED 3525
BP AMOCO PLC OTHER 31170
BMC SOFTWARE SOLE 3295
BMC SOFTWARE DEFINED 342
BMC SOFTWARE OTHER 64
BANK OF AMERICA CORP SOLE 180696
BANK OF AMERICA CORP SOLE 10600
BANK OF AMERICA CORP DEFINED 1000
BANK OF AMERICA CORP OTHER 11063
BANK OF NEW YORK CO. INC SOLE 4158
BANK OF NEW YORK CO. INC OTHER 18304
BANK ONE CORP SOLE 4533
BANK ONE CORP OTHER 4140
BAXTER INTERNATIONAL INC. SOLE 4493
BAXTER INTERNATIONAL INC. OTHER 1641
BECTON DICKINSON & CO SOLE 9100
BECTON DICKINSON & CO DEFINED 1110
BECTON DICKINSON & CO OTHER 4000
BELL ATLANTIC CORP. SOLE 362753
BELL ATLANTIC CORP. SOLE 775
BELL ATLANTIC CORP. DEFINED 7978
BELL ATLANTIC CORP. DEFINED 9 4600
BELL ATLANTIC CORP. OTHER 75537
BELL ATLANTIC CORP. OTHER 1350
BELLSOUTH CORPORATION SOLE 154662
BELLSOUTH CORPORATION SOLE 150
BELLSOUTH CORPORATION DEFINED 4872
BELLSOUTH CORPORATION OTHER 54728
BELLSOUTH CORPORATION OTHER 1500
A H BELO CORP SOLE 126000
A H BELO CORP OTHER 120
BERKSHIRE HATHAWAY DEL SOLE 52
BERKSHIRE HATHAWAY DEL DEFINED 9 36
BERKSHIRE HATHAWAY DEL OTHER 482
BESTFOODS SOLE 43800
BESTFOODS DEFINED 9 1900
BESTFOODS OTHER 11894
BIOGEN, INC. SOLE 6500
BIOGEN, INC. SOLE 200
BIOGEN, INC. OTHER 975
BIOGEN, INC. OTHER 400
BOEING CO. SOLE 34080
BOEING CO. DEFINED 481
BOEING CO. DEFINED 9 500
BOEING CO. OTHER 13512
BOISE CASCADE CORP. SOLE 6113
BOISE CASCADE CORP. OTHER 1015
BRIGGS & STRATTON CORP SOLE 12044
BRIGGS & STRATTON CORP OTHER 6350
BRISTOL-MYERS SQUIBB CO. SOLE 358737
BRISTOL-MYERS SQUIBB CO. DEFINED 1250
BRISTOL-MYERS SQUIBB CO. OTHER 98722
BRISTOL-MYERS SQUIBB CO. OTHER 500
BRISTOL-MYERS SQUIBB CO. OTHER 12 1600
BURLINGTON NORTHERN SOLE 8415
BURLINGTON NORTHERN DEFINED 10
BURLINGTON NORTHERN OTHER 3670
CBS CORP SOLE 14632
CBS CORP SOLE 225
CBS CORP OTHER 4908
CIGNA SOLE 99400
CIGNA SOLE 7500
CIGNA OTHER 1275
CVS CORP SOLE 49229
CVS CORP OTHER 6875
CVS CORP OTHER 12 700
CAMPBELL SOUP CO SOLE 14600
CAMPBELL SOUP CO OTHER 8200
CANANDAIGUA BRANDS INC SOLE 5942
CARNIVAL CRUISE SOLE 82275
CARNIVAL CRUISE SOLE 150
CARNIVAL CRUISE OTHER 5850
CATALINA MARKETING CORP SOLE 4900
CATERPILLAR TRACTOR CO SOLE 70205
CATERPILLAR TRACTOR CO OTHER 600
CHASE MANHATTAN CORP SOLE 82795
CHASE MANHATTAN CORP SOLE 5200
CHASE MANHATTAN CORP OTHER 12483
CHEVRON CORP SOLE 177458
CHEVRON CORP SOLE 1850
CHEVRON CORP DEFINED 550
CHEVRON CORP OTHER 31372
CIRCUIT CITY STORES SOLE 57750
CIRCUIT CITY STORES DEFINED 1776
CISCO SYSTEMS SOLE 174194
CISCO SYSTEMS SOLE 400
CISCO SYSTEMS DEFINED 900
CISCO SYSTEMS OTHER 29490
CITIGROUP INC SOLE 321621
CITIGROUP INC SOLE 8887
CITIGROUP INC DEFINED 3533
CITIGROUP INC OTHER 30484
CITIGROUP INC OTHER 500
CITIGROUP INC OTHER 12 1512
CLOROX CO. SOLE 110866
CLOROX CO. OTHER 17000
COCA-COLA CO. SOLE 234546
COCA-COLA CO. SOLE 5900
COCA-COLA CO. DEFINED 150
COCA-COLA CO. DEFINED 1000
COCA-COLA CO. OTHER 113635
COCA-COLA CO. OTHER 1000
COCA-COLA CO. OTHER 12 4000
COLGATE-PALMOLIVE CO. SOLE 48767
COLGATE-PALMOLIVE CO. SOLE 200
COLGATE-PALMOLIVE CO. DEFINED 550
COLGATE-PALMOLIVE CO. OTHER 26300
COMERICA INC. SOLE 4403
COMERICA INC. OTHER 2850
COMPAQ COMPUTER SOLE 106793
COMPAQ COMPUTER DEFINED 400
COMPAQ COMPUTER OTHER 5401
COMPAQ COMPUTER OTHER 12 1000
COMPUWARE CORPORATION SOLE 7670
COMPUWARE CORPORATION DEFINED 808
COMPUWARE CORPORATION OTHER 330
COMVERSE TECHNOLOGY INC. SOLE 2253
CONEXANT SYSTEMS INC SOLE 4000
CONEXANT SYSTEMS INC DEFINED 9 1250
CONEXANT SYSTEMS INC OTHER 1750
CONOCO INC. SOLE 40314
CONOCO INC. DEFINED 2457
CONOCO INC. OTHER 18783
CONSECO INC SOLE 10999
CONSECO INC SOLE 300
CONSECO INC OTHER 1395
CONSOLIDATED EDISON INC. SOLE 2884
CONSOLIDATED EDISON INC. OTHER 4200
CONSOLIDATED NATURAL GAS CO SOLE 7460
CONSOLIDATED NATURAL GAS CO OTHER 701
CONSTELLATION ENERGY CORP SOLE 7550
CONSTELLATION ENERGY CORP SOLE 175
CORNING INCORPORATED SOLE 4328
CORNING INCORPORATED SOLE 150
CORNING INCORPORATED OTHER 3600
COUNTRYWIDE CREDIT INDS INC SOLE 10225
COUNTRYWIDE CREDIT INDS INC OTHER 800
DQE INC. SOLE 14800
DQE INC. OTHER 2466
DANA CORP. SOLE 9640
DANA CORP. DEFINED 9 4088
DANA CORP. OTHER 2373
DAYTON-HUDSON SOLE 10225
DAYTON-HUDSON SOLE 150
DAYTON-HUDSON DEFINED 225
DAYTON-HUDSON OTHER 950
DEERE & CO. SOLE 3077
DEERE & CO. OTHER 2022
DELL COMPUTER SOLE 123457
DELL COMPUTER DEFINED 400
DELL COMPUTER OTHER 16250
DELL COMPUTER OTHER 1100
DIAL CORP NEW SOLE 27650
DIAL CORP NEW OTHER 3300
DIEBOLD, INC. SOLE 5249
DIEBOLD, INC. OTHER 9890
WALT DISNEY CO. SOLE 189130
WALT DISNEY CO. SOLE 5000
WALT DISNEY CO. DEFINED 10800
WALT DISNEY CO. OTHER 23750
WALT DISNEY CO. OTHER 1590
DONALDSON LUFKIN & JENRETTE SOLE 6650
RR DONNELLEY & SONS SOLE 8586
RR DONNELLEY & SONS OTHER 5675
DOVER CORP. SOLE 15000
DOW CHEMICAL CO SOLE 38317
DOW CHEMICAL CO SOLE 1600
DOW CHEMICAL CO OTHER 5807
E.I. DUPONT deNEMOURS & CO. SOLE 148828
E.I. DUPONT deNEMOURS & CO. SOLE 3265
E.I. DUPONT deNEMOURS & CO. DEFINED 1367
E.I. DUPONT deNEMOURS & CO. OTHER 36364
DUKE ENERGY CORP. SOLE 5725
DUKE ENERGY CORP. DEFINED 1000
DUKE ENERGY CORP. OTHER 4318
E M C CORP MASS SOLE 43760
E M C CORP MASS SOLE 200
E M C CORP MASS DEFINED 200
E M C CORP MASS OTHER 22525
EASTMAN KODAK CO SOLE 13239
EASTMAN KODAK CO OTHER 7300
A G EDWARDS INC SOLE 21062
A G EDWARDS INC OTHER 5725
ELECTRONIC DATA SYSTEMS SOLE 3142
ELECTRONIC DATA SYSTEMS OTHER 2632
EMERSON ELECTRIC CO. SOLE 26300
EMERSON ELECTRIC CO. DEFINED 2200
EMERSON ELECTRIC CO. OTHER 12530
ENERGYNORTH, INC. SOLE 17050
ENERGYNORTH, INC. OTHER 2533
ENRON CORP. SOLE 35680
ENRON CORP. SOLE 275
ENRON CORP. OTHER 30090
EXXON MOBIL CORP SOLE 441861
EXXON MOBIL CORP SOLE 5225
EXXON MOBIL CORP DEFINED 4698
EXXON MOBIL CORP DEFINED 1056
EXXON MOBIL CORP DEFINED 9 3200
EXXON MOBIL CORP OTHER 196769
EXXON MOBIL CORP OTHER 1325
FPL GROUP SOLE 43894
FPL GROUP DEFINED 200
FPL GROUP OTHER 9079
FREDDIE MAC SOLE 89005
FREDDIE MAC DEFINED 860
FREDDIE MAC OTHER 22350
FANNIE MAE SOLE 56613
FANNIE MAE DEFINED 2200
FANNIE MAE DEFINED 2000
FANNIE MAE OTHER 9680
FANNIE MAE OTHER 350
FIRST UNION CORP SOLE 135666
FIRST UNION CORP SOLE 200
FIRST UNION CORP OTHER 20891
FIRSTAR CORP NEW WIS SOLE 22582
FIRSTAR CORP NEW WIS OTHER 3192
FLEETBOSTON FINL CORP SOLE 322340
FLEETBOSTON FINL CORP SOLE 1484
FLEETBOSTON FINL CORP DEFINED 5724
FLEETBOSTON FINL CORP OTHER 78330
FLEETBOSTON FINL CORP OTHER 3856
FLEETBOSTON FINL CORP OTHER 12 9200
FLEETWOOD ENTERPRISES SOLE 9450
FLEETWOOD ENTERPRISES OTHER 600
FLORIDA PROGRESS CORP. SOLE 3674
FLORIDA PROGRESS CORP. OTHER 1500
FORD MOTOR CO SOLE 21954
FORD MOTOR CO SOLE 9400
FORD MOTOR CO OTHER 6799
FORTUNE BRANDS INC SOLE 4500
FORTUNE BRANDS INC SOLE 340
FORTUNE BRANDS INC DEFINED 700
FORTUNE BRANDS INC OTHER 2470
GTE CORP. SOLE 102484
GTE CORP. OTHER 30190
GTE CORP. OTHER 300
GANNETT INC. SOLE 3645
GANNETT INC. OTHER 1190
GAP, INC. SOLE 104943
GAP, INC. SOLE 6125
GAP, INC. DEFINED 300
GAP, INC. OTHER 4593
GATEWAY INC COM SOLE 61160
GATEWAY INC COM SOLE 200
GATEWAY INC COM DEFINED 616
GATEWAY INC COM OTHER 600
GENERAL ELECTRIC CO SOLE 562802
GENERAL ELECTRIC CO SOLE 11200
GENERAL ELECTRIC CO DEFINED 7532
GENERAL ELECTRIC CO DEFINED 2900
GENERAL ELECTRIC CO DEFINED 9 2800
GENERAL ELECTRIC CO OTHER 197611
GENERAL ELECTRIC CO OTHER 1125
GENERAL ELECTRIC CO OTHER 12 1800
GENERAL MILLS INC SOLE 25400
GENERAL MILLS INC OTHER 5700
GENERAL MOTORS CORP. SOLE 26951
GENERAL MOTORS CORP. DEFINED 480
GENERAL MOTORS CORP. OTHER 9202
GENTEX SOLE 4700
GENTEX OTHER 9000
GENUINE PARTS SOLE 4717
GENUINE PARTS OTHER 8605
GEORGIA-PACIFIC CORP SOLE 6779
GEORGIA-PACIFIC CORP SOLE 500
GEORGIA-PACIFIC CORP OTHER 2694
GILLETTE CO SOLE 116785
GILLETTE CO DEFINED 100
GILLETTE CO OTHER 30149
GILLETTE CO OTHER 1350
GILLETTE CO OTHER 12 1000
GLAXO WELLCOME PLC SOLE 2700
GLAXO WELLCOME PLC OTHER 2470
B. F. GOODRICH SOLE 36025
B. F. GOODRICH DEFINED 250
B. F. GOODRICH OTHER 450
GRAINGER W W INC SOLE 7170
GRAINGER W W INC DEFINED 800
GRAINGER W W INC OTHER 1700
GUIDANT CORPORATION SOLE 18265
GUIDANT CORPORATION SOLE 225
GUIDANT CORPORATION DEFINED 200
GUIDANT CORPORATION OTHER 600
HALLIBURTON CO SOLE 74275
HALLIBURTON CO DEFINED 9 2600
HALLIBURTON CO OTHER 20000
HARLEY DAVIDSON INC SOLE 3935
HASBRO, INC. SOLE 17014
HASBRO, INC. DEFINED 750
HASBRO, INC. OTHER 1600
HASBRO, INC. OTHER 12 6243
H.J. HEINZ CO. SOLE 4920
H.J. HEINZ CO. OTHER 3900
HERSHEY FOODS CORP. SOLE 41489
HERSHEY FOODS CORP. OTHER 8368
HEWLETT PACKARD CO SOLE 207519
HEWLETT PACKARD CO SOLE 600
HEWLETT PACKARD CO DEFINED 600
HEWLETT PACKARD CO DEFINED 950
HEWLETT PACKARD CO OTHER 15500
HOME DEPOT INC. SOLE 150528
HOME DEPOT INC. SOLE 225
HOME DEPOT INC. DEFINED 3000
HOME DEPOT INC. OTHER 18490
HOME DEPOT INC. OTHER 825
HONEYWELL INTL INC SOLE 153133
HONEYWELL INTL INC SOLE 16600
HONEYWELL INTL INC DEFINED 600
HONEYWELL INTL INC OTHER 19226
HOUSEHOLD INTERNATIONAL INC. SOLE 9400
HOUSEHOLD INTERNATIONAL INC. OTHER 3066
HUBBELL INC. SOLE 6176
HUBBELL INC. OTHER 4726
IDEXX LABS, INC. OTHER 30000
INTEL CORP SOLE 420873
INTEL CORP SOLE 4848
INTEL CORP DEFINED 2000
INTEL CORP DEFINED 1700
INTEL CORP DEFINED 9 3000
INTEL CORP OTHER 67130
INTEL CORP OTHER 2500
INTEL CORP OTHER 12 600
INTERNATIONAL BUSINESS MACHINES SOLE 296252
INTERNATIONAL BUSINESS MACHINES SOLE 950
INTERNATIONAL BUSINESS MACHINES DEFINED 1050
INTERNATIONAL BUSINESS MACHINES DEFINED 2000
INTERNATIONAL BUSINESS MACHINES OTHER 36422
INTERNATIONAL BUSINESS MACHINES OTHER 850
INTERNATIONAL BUSINESS MACHINES OTHER 12 1200
INTERNATIONAL PAPER CO SOLE 9376
INTERNATIONAL PAPER CO OTHER 5112
INTERNET CAP GROUP INC SOLE 2000
INTERPUBLIC GROUP COS INC SOLE 33904
INTERPUBLIC GROUP COS INC OTHER 9924
INTERSYSTEMS, INC. OTHER 10000
INTIMATE BRANDS INC SOLE 5145
INTIMATE BRANDS INC OTHER 102
INTUIT SOLE 3375
JABIL CIRCUIT INC SOLE 5530
JOHNSON & JOHNSON SOLE 318326
JOHNSON & JOHNSON SOLE 600
JOHNSON & JOHNSON DEFINED 2650
JOHNSON & JOHNSON DEFINED 740
JOHNSON & JOHNSON DEFINED 9 1700
JOHNSON & JOHNSON OTHER 83604
JOHNSON & JOHNSON OTHER 650
JOHNSON & JOHNSON OTHER 12 500
JOHNSON CONTROLS INC SOLE 105255
JOHNSON CONTROLS INC SOLE 100
JOHNSON CONTROLS INC DEFINED 800
JOHNSON CONTROLS INC OTHER 18252
JONES APPAREL SOLE 18141
JONES APPAREL OTHER 96
KANSAS CITY SOUTHERN IND INC SOLE 6190
KANSAS CITY SOUTHERN IND INC OTHER 1000
KIMBERLY CLARK SOLE 96804
KIMBERLY CLARK SOLE 300
KIMBERLY CLARK DEFINED 700
KIMBERLY CLARK OTHER 20572
LEGATO SYSTEMS INC SOLE 11126
LEGATO SYSTEMS INC OTHER 100
ELI LILLY & CO. SOLE 23688
ELI LILLY & CO. OTHER 7200
LOWE'S COMPANIES INC SOLE 6555
LOWE'S COMPANIES INC SOLE 150
LOWE'S COMPANIES INC DEFINED 1200
LOWE'S COMPANIES INC OTHER 300
LUCENT TECHNOLOGIES INC SOLE 575571
LUCENT TECHNOLOGIES INC SOLE 10700
LUCENT TECHNOLOGIES INC DEFINED 3770
LUCENT TECHNOLOGIES INC DEFINED 9 3252
LUCENT TECHNOLOGIES INC OTHER 109593
LUCENT TECHNOLOGIES INC OTHER 1456
LUCENT TECHNOLOGIES INC OTHER 12 2000
MCI WORLDCOM INC SOLE 67360
MCI WORLDCOM INC SOLE 375
MCI WORLDCOM INC DEFINED 150
MCI WORLDCOM INC OTHER 4116
MARSH & MCLENNAN SOLE 18653
MARSH & MCLENNAN DEFINED 250
MARRIOTT INTL' INC. NEW SOLE 45400
MARRIOTT INTL' INC. NEW OTHER 600
MAY DEPARTMENT STORES SOLE 23562
MAY DEPARTMENT STORES DEFINED 600
MAY DEPARTMENT STORES OTHER 6711
MCDONALDS CORP. SOLE 241812
MCDONALDS CORP. DEFINED 2000
MCDONALDS CORP. DEFINED 5600
MCDONALDS CORP. OTHER 30660
MCDONALDS CORP. OTHER 550
MCGRAW-HILL, INC. SOLE 3975
MCGRAW-HILL, INC. OTHER 4600
MEAD CORP. SOLE 9550
MEAD CORP. OTHER 5100
MEDIAONE GROUP INC. SOLE 123807
MEDIAONE GROUP INC. OTHER 6276
MEDIAONE GROUP INC. OTHER 12 2348
MEDIMMUNE INC. SOLE 7035
MEDTRONIC INC SOLE 77590
MEDTRONIC INC DEFINED 1000
MEDTRONIC INC OTHER 13600
MEDTRONIC INC OTHER 800
MELLON FINL CORP SOLE 15406
MELLON FINL CORP OTHER 11800
MERCK & CO., INC. SOLE 366123
MERCK & CO., INC. SOLE 7800
MERCK & CO., INC. DEFINED 4800
MERCK & CO., INC. DEFINED 3600
MERCK & CO., INC. OTHER 99252
MERCK & CO., INC. OTHER 1320
MERRILL LYNCH & CO. INC. SOLE 6005
MERRILL LYNCH & CO. INC. OTHER 6100
MICROSOFT CORP SOLE 296640
MICROSOFT CORP SOLE 9200
MICROSOFT CORP DEFINED 2700
MICROSOFT CORP DEFINED 1200
MICROSOFT CORP OTHER 50570
MICROSOFT CORP OTHER 2400
MICROSOFT CORP OTHER 12 1600
MINNESOTA MINING & MFG CO. SOLE 84305
MINNESOTA MINING & MFG CO. DEFINED 1000
MINNESOTA MINING & MFG CO. DEFINED 956
MINNESOTA MINING & MFG CO. DEFINED 9 1700
MINNESOTA MINING & MFG CO. OTHER 14856
MONSANTO CO SOLE 52880
MONSANTO CO DEFINED 475
MONSANTO CO DEFINED 9 3100
MONSANTO CO OTHER 29766
J P MORGAN & CO SOLE 40500
J P MORGAN & CO SOLE 50
J P MORGAN & CO DEFINED 100
J P MORGAN & CO DEFINED 9 1500
J P MORGAN & CO OTHER 24848
J P MORGAN & CO OTHER 300
MORGAN STANLEY SOLE 40913
MORGAN STANLEY DEFINED 100
MORGAN STANLEY OTHER 2680
MOTOROLA INC SOLE 17739
MOTOROLA INC DEFINED 9 650
MOTOROLA INC OTHER 4000
MOTOROLA INC OTHER 300
NABORS INDUSTRIES, INC SOLE 13800
NATIONAL CITY CORP. SOLE 31290
NATIONAL CITY CORP. OTHER 800
NATIONAL FUEL GAS COMPANY SOLE 5316
NEW ENGLAND ELECTRIC SYS SOLE 6137
NEW ENGLAND ELECTRIC SYS DEFINED 1416
NEW ENGLAND ELECTRIC SYS OTHER 3694
NEW YORK TIMES SOLE 63875
NEW YORK TIMES OTHER 1200
NEXTEL COMMUNICATIONS SOLE 2225
NIKE, INC. CLASS B SOLE 4500
NOKIA CORP SOLE 1486
NORFOLK SOUTHERN CORP. SOLE 80380
NORFOLK SOUTHERN CORP. DEFINED 9 4500
NORFOLK SOUTHERN CORP. OTHER 22569
NORTEL NETWORKS CORP SOLE 4476
NORTEL NETWORKS CORP OTHER 4800
NORTHERN STATES PWR CO SOLE 7850
NORTHERN STATES PWR CO OTHER 4600
NSTAR COM SOLE 10624
NSTAR COM OTHER 2658
NUCOR CORP SOLE 3350
NUCOR CORP OTHER 1850
NUVEEN MUNICIPAL VALUE FUND SOLE 15000
NUVEEN MUNICIPAL VALUE FUND OTHER 3800
OMNICOM GROUP SOLE 4750
OMNICOM GROUP OTHER 48
ORACLE SYSTEMS CORP. SOLE 73933
ORACLE SYSTEMS CORP. SOLE 150
ORACLE SYSTEMS CORP. DEFINED 225
ORACLE SYSTEMS CORP. OTHER 2410
OWENS ILLINOIS INC. SOLE 25850
PLC SYSTEMS, INC SOLE 66100
PNC BANK CORP SOLE 29976
PNC BANK CORP SOLE 200
PNC BANK CORP OTHER 700
PPG INDUSTRIES, INC. SOLE 21245
PPG INDUSTRIES, INC. SOLE 100
PPG INDUSTRIES, INC. DEFINED 9 1400
PPG INDUSTRIES, INC. OTHER 3750
PARK PLACE ENTERTAINMENT CORP SOLE 4200
PARK PLACE ENTERTAINMENT CORP OTHER 6400
PEOPLE'S HERITAGE FINANCIAL GRP SOLE 28480
PEOPLE'S HERITAGE FINANCIAL GRP OTHER 46812
PEPSICO INC SOLE 191949
PEPSICO INC DEFINED 1800
PEPSICO INC OTHER 83958
PFIZER INC SOLE 166963
PFIZER INC SOLE 100
PFIZER INC DEFINED 1400
PFIZER INC OTHER 56549
PHILIP MORRIS COS INC. SOLE 40537
PHILIP MORRIS COS INC. OTHER 22750
PHILIP MORRIS COS INC. OTHER 12 900
PHILLIPS PETROLEUM CO SOLE 22285
PHILLIPS PETROLEUM CO DEFINED 1000
PHILLIPS PETROLEUM CO OTHER 1824
PHILLIPS PETROLEUM CO OTHER 150
PILGRIM PRIME RATE TR NEW SOLE 3000
PILGRIM PRIME RATE TR NEW OTHER 7800
PITNEY BOWES SOLE 31360
PITNEY BOWES OTHER 23575
PROCTER & GAMBLE CO SOLE 153029
PROCTER & GAMBLE CO SOLE 5800
PROCTER & GAMBLE CO DEFINED 900
PROCTER & GAMBLE CO DEFINED 9 3400
PROCTER & GAMBLE CO OTHER 59512
PROVIDIAN FINANCIAL CORP SOLE 4541
PROVIDIAN FINANCIAL CORP OTHER 450
QUADRAX CORP SOLE 15800
QUAKER OATS CO. SOLE 5250
QUAKER OATS CO. DEFINED 700
QUAKER OATS CO. OTHER 12360
QUALCOMM CORP SOLE 6028
QUALCOMM CORP DEFINED 2400
QUALCOMM CORP OTHER 900
RAYTHEON CO. SOLE 31235
RAYTHEON CO. DEFINED 9 2350
RAYTHEON CO. OTHER 7330
ROCKWELL INTL CORP SOLE 5300
ROCKWELL INTL CORP DEFINED 300
ROCKWELL INTL CORP DEFINED 9 1250
ROCKWELL INTL CORP OTHER 1550
ROHM & HAAS INC. SOLE 36730
ROHM & HAAS INC. OTHER 5247
ROSS STORES INC SOLE 23500
ROSS STORES INC OTHER 2600
ROYAL DUTCH PETROLEUM CO. SOLE 12921
ROYAL DUTCH PETROLEUM CO. SOLE 300
ROYAL DUTCH PETROLEUM CO. DEFINED 1600
ROYAL DUTCH PETROLEUM CO. OTHER 13388
ROYAL DUTCH PETROLEUM CO. OTHER 325
SBC COMMUNICATIONS INC SOLE 144221
SBC COMMUNICATIONS INC SOLE 14476
SBC COMMUNICATIONS INC DEFINED 5433
SBC COMMUNICATIONS INC OTHER 66977
SBC COMMUNICATIONS INC OTHER 1100
SAFEWAY INC. SOLE 72875
SAFEWAY INC. OTHER 1400
SARA LEE CORP SOLE 74830
SARA LEE CORP OTHER 5657
SCHERING-PLOUGH CORP SOLE 251490
SCHERING-PLOUGH CORP SOLE 12500
SCHERING-PLOUGH CORP DEFINED 1400
SCHERING-PLOUGH CORP DEFINED 9 1000
SCHERING-PLOUGH CORP OTHER 44820
SCHERING-PLOUGH CORP OTHER 3300
SCHLUMBERGER LTD SOLE 9640
SCHLUMBERGER LTD OTHER 7438
SCIENTIFIC-ATLANTA, INC. SOLE 5165
SCIENTIFIC-ATLANTA, INC. SOLE 200
SCIENTIFIC-ATLANTA, INC. OTHER 360
SEAGATE TECHNOLOGY SOLE 10675
SEAGATE TECHNOLOGY SOLE 300
SEAGATE TECHNOLOGY DEFINED 800
SEAGRAM COMPANY LTD. SOLE 2700
SEAGRAM COMPANY LTD. OTHER 3500
SEARS ROEBUCK & CO SOLE 10984
SEARS ROEBUCK & CO DEFINED 9 1300
SEARS ROEBUCK & CO OTHER 6236
SELFCARE INC SOLE 10000
SEMPRA ENERGY SOLE 26212
SIEBEL INC SOLE 8800
SMITHKLINE BEECHAM SOLE 1091
SMITHKLINE BEECHAM OTHER 3600
SMITHKLINE BEECHAM OTHER 400
SOLECTRON CORP SOLE 5325
SOLECTRON CORP SOLE 3700
SOLUTIA INC SOLE 16375
SOLUTIA INC SOLE 200
SOLUTIA INC OTHER 2823
SOUTHDOWN INC. SOLE 9750
SOUTHERN CO SOLE 8662
SOUTHERN CO OTHER 6300
SOUTHWEST AIRLINES SOLE 8604
SOUTHWEST AIRLINES SOLE 150
SOUTHWEST AIRLINES DEFINED 300
SOUTHWEST AIRLINES OTHER 1686
SPRINT CORPORATION COM SOLE 50255
SPRINT CORPORATION COM SOLE 200
SPRINT CORPORATION COM OTHER 4000
SPRINT CORPORATION COM SOLE 6754
SPRINT CORPORATION COM SOLE 200
SPRINT CORPORATION COM OTHER 1600
STANLEY WORKS SOLE 2500
STANLEY WORKS OTHER 5752
STATE STREET CORP SOLE 21040
STATE STREET CORP OTHER 10450
SUN MICROSYSTEMS INC. SOLE 159750
SUN MICROSYSTEMS INC. SOLE 300
SUN MICROSYSTEMS INC. DEFINED 1400
SUN MICROSYSTEMS INC. OTHER 15790
SYSCO CORP. SOLE 7260
SYSCO CORP. DEFINED 1900
SYSCO CORP. OTHER 3200
SYSCO CORP. OTHER 3200
TECO ENERGY INC. SOLE 13588
TECO ENERGY INC. OTHER 12000
TJX COMPANIES SOLE 126090
TJX COMPANIES SOLE 275
TJX COMPANIES DEFINED 2412
TJX COMPANIES OTHER 4414
TJX COMPANIES OTHER 200
TRW INC. SOLE 17826
TRW INC. OTHER 7000
TANDY CORP. SOLE 4000
TANDY CORP. OTHER 94
TELLABS INC SOLE 78983
TELLABS INC SOLE 350
TELLABS INC DEFINED 600
TELLABS INC OTHER 1550
TEXACO INC SOLE 49725
TEXACO INC DEFINED 600
TEXACO INC DEFINED 9 1600
TEXACO INC OTHER 16636
TEXAS INSTRUMENTS INC SOLE 20599
TEXAS INSTRUMENTS INC SOLE 200
TEXAS INSTRUMENTS INC DEFINED 225
TEXAS INSTRUMENTS INC OTHER 26890
TEXAS UTILITIES CO SOLE 3725
TEXAS UTILITIES CO OTHER 2180
TEXTRON INC SOLE 26781
TEXTRON INC OTHER 3618
TIDEWATER INC SOLE 21025
TIDEWATER INC OTHER 585
TIFFANY & CO. SOLE 3575
TIFFANY & CO. OTHER 100
TIME WARNER, INC. SOLE 12395
TIME WARNER, INC. SOLE 8425
TIME WARNER, INC. DEFINED 100
TIME WARNER, INC. OTHER 8665
TORONTO DOMINION BANK SOLE 16600
TRICON GLOBAL RESTAURANTS SOLE 2705
TRICON GLOBAL RESTAURANTS OTHER 2830
TRIBUNE CO NEW SOLE 44500
TYCO INTL LTD SOLE 154264
TYCO INTL LTD SOLE 200
TYCO INTL LTD DEFINED 1000
TYCO INTL LTD OTHER 30130
TYCO INTL LTD OTHER 100
UAL CORP SOLE 13050
UAL CORP OTHER 800
UNAPIX ENTERTAINMENT INC. OTHER 34498
UNION PACIFIC CORP SOLE 23591
UNION PACIFIC CORP OTHER 10840
UNION PACIFIC RES GROUP INC SOLE 7113
UNION PACIFIC RES GROUP INC OTHER 2956
UNITED STATES CELLULAR CORP SOLE 7225
UNITED STATES CELLULAR CORP OTHER 100
US WEST INC NEW SOLE 8728
US WEST INC NEW SOLE 100
US WEST INC NEW DEFINED 532
US WEST INC NEW OTHER 5163
US TRUST CORP SOLE 3718
US TRUST CORP OTHER 1018
UNITED TECHNOLOGIES CORP SOLE 164826
UNITED TECHNOLOGIES CORP SOLE 10800
UNITED TECHNOLOGIES CORP DEFINED 800
UNITED TECHNOLOGIES CORP DEFINED 1400
UNITED TECHNOLOGIES CORP OTHER 17793
UNITIL CORP. COMMON SOLE 9168
UNITIL CORP. COMMON OTHER 24846
UNOCAL CORP. SOLE 6828
UNOCAL CORP. OTHER 2425
UNUMPROVIDENT CORP SOLE 5460
UNUMPROVIDENT CORP OTHER 5624
US FREIGHTWAYS CORP SOLE 6600
V F CORP. SOLE 8870
V F CORP. OTHER 1848
VIACOM INC. SOLE 4450
VIACOM INC. OTHER 1975
VIACOM INC. SOLE 6198
VIACOM INC. OTHER 606
VODAFONE AIRTOUCH PLC SOLE 16640
VODAFONE AIRTOUCH PLC OTHER 14190
WAL-MART STORES SOLE 392987
WAL-MART STORES SOLE 200
WAL-MART STORES DEFINED 350
WAL-MART STORES DEFINED 2548
WAL-MART STORES OTHER 17945
WALGREEN COMPANY SOLE 11070
WALGREEN COMPANY OTHER 4560
WARNER-LAMBERT CO SOLE 37495
WARNER-LAMBERT CO SOLE 5500
WARNER-LAMBERT CO OTHER 42176
WASHINGTON TRUST BANCORP., INC. SOLE 11893
WASHINGTON TRUST BANCORP., INC. OTHER 71965
WASHINGTON TRUST BANCORP., INC. OTHER 12 2025
WATSON PHARMACEUTICAL INC SOLE 13985
WELLS FARGO & CO NEW SOLE 21230
WELLS FARGO & CO NEW DEFINED 850
WELLS FARGO & CO NEW OTHER 4820
WEYERHAEUSER CO SOLE 600
WEYERHAEUSER CO SOLE 9500
WILLIAMS COMPANIES INC SOLE 156628
WILLIAMS COMPANIES INC DEFINED 350
WILLIAMS COMPANIES INC DEFINED 9 5700
WILLIAMS COMPANIES INC OTHER 48954
WISCONSIN ENERGY CORP. SOLE 12586
WISCONSIN ENERGY CORP. OTHER 6925
XYBERNAUT CORP OTHER 20000
YAHOO INC SOLE 475
DAIMLERCHRYSLER AG SOLE 17036
DAIMLERCHRYSLER AG OTHER 5113
GLOBAL CROSSING LTD SOLE 14760
TOMMY HILFIGER SOLE 52417
TOMMY HILFIGER SOLE 800
TOMMY HILFIGER OTHER 872
TOMMY HILFIGER OTHER 200
ABINGTON BANCORP SOLE 38700
BOSTONFED BANCORP INC. SOLE 75600
FIRST FED OF EAST HARTFORD SOLE 24800
FIRST ESSEX BANCORP, INC SOLE 72700
FIRST UNION CORP. (FTU) SOLE 25000
GRANITE STATE BANKSHARES, INC. SOLE 100000
INDEPENDENT BANK CORP. SOLE 130700
IVILLAGE INC. SOLE 5830
LAWRENCE SAVINGS BANK SOLE 15000
MECHANICS SAVINGS BANK SOLE 126500
SEACOAST FINANCIAL SERVICES SOLE 225832
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