UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
" WASHINGTON, D.C. 20549"
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 9/30/99
CHECK HERE IF AMENDMENT ( ); AMENDMENT NUMBER:
THIS AMENDMENT (CHECK ONLY ONE.): ( ) IS A RESTATEMENT.
( ) ADDS NEW HOLDINGS ENTRIES
INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT:
NAME: One Valley Bank
ADDRESS: One Valley Square
PO Box 1793
" Charleston, WV 25326"
THE INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT AND THE
PERSON BY WHOM IT IS SIGNED HEREBY REPRESENT THAT THE PERSON
"SIGNING THE REPORT IS AUTHORIZED TO SUBMIT IT, THAT ALL"
"INFORMATION CONTAINED HEREIN IS TRUE, CORRECT AND COMPLETE, AND"
"THAT IT IS UNDERSTOOD THAT ALL REQUIRED ITEMS, STATEMENTS"
"SCHEDULES, LISTS, AND TABLES, ARE CONSIDERED INTEGRAL PARTS OF"
THIS FORM.
PERSON SIGNING THIS REPORT ON BEHALF OF REPORTING MANAGER:
NAME: Teresa Lightner
TITLE: Trust Operations Head
PHONE: (304)348-7211
"SIGNATURE,PLACE,AND DATE OF SIGNING:"
" Teresa Lightner Charleston, WV 10/2/99"
REPORT TYPE (CHECK ONLY ONE.):
( X) 13F HOLDINGS REPORT
( ) 13F NOTICE
( ) 13F COMBINATION REPORT
LIST OF OTHER MANAGERS REPORTING FOR THIS MANAGER:
NONE
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: 0
FORM 13F INFORMATION TABLE ENTRY TOTAL: 1083
"FORM 13F INFORMATION TABLE VALUE TOTAL: $628,674"
<PAGE>
<TABLE> <C> <C>
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
A T&T COMMON STOCK 001957109 5659 130083 SH DEFINED 109298 94 20691
A T&T COMMON STOCK 001957109 260 5975 SH OTHER 5225 0 750
ABAXIS INC COMMON STOCK 002567105 23 5000 SH DEFINED 0 0 5000
ABBOTT LABORATORIES COMMON STOCK 002824100 1621 44178 SH DEFINED 36003 0 8175
ABERCROMBIE & FITCH CO COMMON STOCK 002896207 6 190 SH DEFINED 190 0 0
ACT MFG INC COMMON STOCK 000973107 144 5750 SH DEFINED 5750 0 0
ADAMS EXPRESS CO COMMON STOCK 006212104 57 2000 SH DEFINED 2000 0 0
ADAPTEC INC COMMON STOCK 00651F108 119 3000 SH DEFINED 0 0 3000
ADVANCED TECHNICAL PRODS INC COMMON STOCK 007548100 4 300 SH DEFINED 300 0 0
AETNA INC COMMON STOCK 008117103 125 2540 SH DEFINED 450 0 2090
AFLAC INC COMMON STOCK 001055102 140 3335 SH DEFINED 600 135 2600
AGL RES INC COMMON STOCK 001204106 58 3550 SH DEFINED 3550 0 0
AGRIBRANDS INTL INC COMMON STOCK 00849R105 42 852 SH DEFINED 852 0 0
AGRIUM INC COMMON STOCK 008916108 53 5355 SH DEFINED 0 0 5355
AIR CDA INC COMMON STOCK 008911307 2 300 SH DEFINED 300 0 0
AIR PRODUCTS & CHEMICAL COMMON STOCK 009158106 137 4700 SH DEFINED 1200 0 3500
ALBERTSONS COMMON STOCK 013104104 783 19801 SH DEFINED 19801 0 0
ALBERTSONS COMMON STOCK 013104104 119 3000 SH OTHER 3000 0 0
"ALCOA, INC. COMMON STOCK 013817101 112 1806 SH DEFINED 6 0 1800"
ALKERMES INC COMMON STOCK 01642T108 9 300 SH DEFINED 300 0 0
ALLEGHENY ENERGY COMMON STOCK 017361106 2951 92588 SH DEFINED 91988 0 600
ALLEGHENY ENERGY COMMON STOCK 017361106 54 1682 SH OTHER 1682 0 0
ALLIANCE CAP MGMT L P COMMON STOCK 018548107 387 14100 SH DEFINED 14100 0 0
"ALLIED SIGNAL, INC. COMMON STOCK 019512102 554 9237 SH DEFINED 9082 155 0"
ALLSTATE CORP COMMON STOCK 020002101 485 19431 SH DEFINED 6206 0 13225
ALLTEL CORP COMMON STOCK 020039103 22 307 SH DEFINED 307 0 0
ALLTEL CORP COMMON STOCK 020039103 21 300 SH OTHER 300 0 0
AMAZON COM INC COMMON STOCK 023135106 104 1300 SH DEFINED 300 0 1000
AMB PPTY CORP COMMON STOCK 00163T109 21 1000 SH DEFINED 1000 0 0
AMERADA HESS CORP COMMON STOCK 023551104 6 100 SH DEFINED 100 0 0
AMEREN CORP COM COMMON STOCK 023608102 717 18960 SH DEFINED 18860 0 100
AMEREN CORP COM COMMON STOCK 023608102 9 250 SH OTHER 250 0 0
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 2782 26734 SH DEFINED 17500 66 9168
AMERICAN CLAIMS EVALUATION INC COMMON STOCK 025144106 13 5000 SH DEFINED 0 0 5000
AMERICAN EAGLE OUTFITTERS COMM COMMON STOCK 02553E106 218 4500 SH DEFINED 4500 0 0
AMERICAN ELECTR PWR CO INC COM COMMON STOCK 025537101 1424 41735 SH DEFINED 41505 0 230
AMERICAN ELECTR PWR CO INC COM COMMON STOCK 025537101 18 523 SH OTHER 523 0 0
AMERICAN EXPRESS CO COM STK* COMMON STOCK 025816109 1438 10652 SH DEFINED 10202 0 450
AMERICAN GENERAL CORPORATION COMMON STOCK 026351106 237 3748 SH DEFINED 967 131 2650
AMERICAN GREETINGS CORP COMMON STOCK 026375105 61 2350 SH DEFINED 250 0 2100
AMERICAN HOME PRODUCTS CORP CA COMMON STOCK 026609107 3957 95339 SH DEFINED 88100 264 6975
AMERICAN HOME PRODUCTS CORP CA COMMON STOCK 026609107 40 960 SH OTHER 0 0 960
AMERICAN INTERNATIONAL GROUP* COMMON STOCK 026874107 1516 17433 SH DEFINED 9289 195 7949
AMERICAN MORTGAGE ACCEPTANCE C COMMON STOCK 027568104 20 1740 SH DEFINED 1740 0 0
AMERICAN PRECISION INDS INC COMMON STOCK 029069101 42 4100 SH DEFINED 4100 0 0
AMERICAN STD COS INC DEL COMMON STOCK 029712106 155 4000 SH DEFINED 0 0 4000
AMERICAN SYS WTR CO COM COMMON STOCK 029899101 113 3400 SH DEFINED 3400 0 0
AMERICAN WATER WORKS CO INC* COMMON STOCK 030411102 860 29720 SH DEFINED 29400 0 320
AMERICAN WOODMARK CORP COMMON STOCK 030506109 56 2100 SH DEFINED 2100 0 0
AMERICREDIT CORP COMMON STOCK 03060R101 18 1200 SH DEFINED 1200 0 0
AMERITECH CORP NEW COMMON STOCK 030954101 3311 49598 SH DEFINED 46270 0 3328
AMERITECH CORP NEW COMMON STOCK 030954101 20 300 SH OTHER 300 0 0
AMERITRADE HLDG CORP COMMON STOCK 03072H109 101 5500 SH DEFINED 0 0 5500
AMERUS LIFE HLDGS INC COMMON STOCK 030732101 28 1336 SH DEFINED 1336 0 0
AMFM INC. COMMON STOCK 001693100 137 2255 SH DEFINED 0 55 2200
AMGEN INC COMMON STOCK 031162100 377 4620 SH DEFINED 3700 120 800
AMR CORP DEL COMMON STOCK 001765106 178 3270 SH DEFINED 100 70 3100
ANADARKO PETE CORP COMMON STOCK 032511107 3 110 SH DEFINED 0 110 0
ANGELICA CORP COMMON STOCK 034663104 23 2000 SH DEFINED 2000 0 0
ANHEUSER-BUSCH INC COM STK* COMMON STOCK 035229103 119 1704 SH DEFINED 304 0 1400
ANHEUSER-BUSCH INC COM STK* COMMON STOCK 035229103 14 200 SH OTHER 200 0 0
ANTEC CORP COMMON STOCK 03664P105 27 500 SH DEFINED 500 0 0
AON CORP COMMON STOCK 037389103 1237 41845 SH DEFINED 41845 0 0
APOGEE ENTERPRISES INC COMMON STOCK 037598109 21 3000 SH DEFINED 3000 0 0
APPLE COMPUTER INC* COMMON STOCK 037833100 38 600 SH DEFINED 400 0 200
APPLEBEES INTL INC COMMON STOCK 037899101 24 700 SH DEFINED 0 0 700
APPLIED MAGNETICS CORP COMMON STOCK 038213104 1 597 SH DEFINED 0 0 597
APPLIED MATLS INC COMMON STOCK 038222105 31 400 SH DEFINED 0 0 400
APPLIED MICRO CIRCUITS CORP COMMON STOCK 03822W109 285 5000 SH DEFINED 5000 0 0
AQUARION CO COMMON STOCK 03838W101 163 4540 SH DEFINED 4540 0 0
ARCHER DANIEL MIDLAND COMMON STOCK 039483102 74 6077 SH DEFINED 5027 0 1050
ARCHSTONE CMNTYS TR SH BEN INT COMMON STOCK 039581103 14 700 SH DEFINED 0 0 700
ARMCO INC* COMMON STOCK 042170100 11 1500 SH DEFINED 1500 0 0
ARMSTRONG WORLD IND INC. COMMON STOCK 042476101 18 400 SH DEFINED 400 0 0
ARROW ELECTRS INC COMMON STOCK 042735100 2 130 SH DEFINED 0 130 0
ARTESYN TECHNOLOGIES INC COMMON STOCK 043127109 15 800 SH DEFINED 800 0 0
ASCENT ENTMT GROUP INC COMMON STOCK 043628106 5 391 SH DEFINED 391 0 0
ASHLAND INC COMMON STOCK 044204105 129 3842 SH DEFINED 3842 0 0
ASSOCIATES FIRST CAP CORP COMMON STOCK 046008108 157 4348 SH DEFINED 4213 135 0
ASTORIA FINL CORP COMMON STOCK 046265104 5 170 SH DEFINED 170 0 0
AT & T CORP LIBERTY MEDIA COMMON STOCK 001957208 9 230 SH DEFINED 0 230 0
AT HOME CORP COMMON STOCK 045919107 35 836 SH DEFINED 836 0 0
ATLANTIC COAST AIRLINES HLDGS COMMON STOCK 048396105 7 400 SH DEFINED 400 0 0
ATLANTIC RICHFIELD CO COM STK COMMON STOCK 048825103 684 7717 SH DEFINED 7517 0 200
ATRION CORP COMMON STOCK 049904105 34 4044 SH DEFINED 4044 0 0
AURORA BIOSCIENCES CORP COMMON STOCK 051920106 5 400 SH DEFINED 0 0 400
AUTOLIV INC COMMON STOCK 052800109 94 2506 SH DEFINED 136 0 2370
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 1027 23015 SH DEFINED 21515 0 1500
AUTONATION INC COMMON STOCK 05329W102 48 3825 SH DEFINED 0 0 3825
AUTOZONE INC COMMON STOCK 053332102 233 8300 SH DEFINED 0 0 8300
"AVADO BRANDS, INC. COMMON STOCK 05336P108 6 1000 SH DEFINED 0 0 1000"
AVALONBAY CMNTYS INC COMMON STOCK 053484101 5 150 SH DEFINED 0 0 150
AVID TECHNOLOGY INC COMMON STOCK 05367P100 34 2600 SH DEFINED 2600 0 0
AVON PRODS INC COMMON STOCK 054303102 345 13890 SH DEFINED 7490 100 6300
AVX CORP NEW COMMON STOCK 002444107 4 100 SH DEFINED 100 0 0
AXA FINL INC COM COMMON STOCK 002451102 133 2383 SH DEFINED 283 0 2100
AXA FINL INC COM COMMON STOCK 002451102 2 27 SH OTHER 27 0 0
BACOU USA INC COMMON STOCK 056439102 55 3300 SH DEFINED 3300 0 0
BAKER-FENTRESS + CO COM STK* COMMON STOCK 057213100 32 2267 SH DEFINED 2267 0 0
BALDWIN TECHNOLOGY INC COMMON STOCK 058264102 19 8000 SH DEFINED 8000 0 0
BANK MONTREAL QUE COMMON STOCK 063671101 18 500 SH DEFINED 500 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 1410 25318 SH DEFINED 13062 261 11995
BANK OF NEW YORK COMMON STOCK 064057102 606 18112 SH DEFINED 17982 130 0
BANK ONE CORP COM COMMON STOCK 06423A103 3004 86296 SH DEFINED 72212 0 14084
BANK ONE CORP COM COMMON STOCK 06423A103 439 12614 SH OTHER 0 12614 0
BANKBOSTON CORP COMMON STOCK 06605R106 239 5520 SH DEFINED 800 220 4500
BANKNORTH GROUP INC DEL COMMON STOCK 06646L100 30 1000 SH DEFINED 1000 0 0
BARRICK GOLD CORP COMMON STOCK 067901108 47 2170 SH DEFINED 0 0 2170
BATTLE MOUNTAIN GOLD COMMON COMMON STOCK 071593107 3 900 SH DEFINED 900 0 0
BAXTER INT'L INC COM COMMON STOCK 071813109 610 10125 SH DEFINED 9576 149 400
BB & T CORP COMMON STOCK 054937107 73 2240 SH DEFINED 2240 0 0
BCE INC COMMON STOCK 05534B109 30 600 SH DEFINED 600 0 0
BEAR STEARNS COS INC COMMON STOCK 073902108 23 606 SH DEFINED 606 0 0
BECTON DICKINSON COMMON STOCK 075887109 152 5430 SH DEFINED 0 130 5300
BEDFORD PPTY INVS INC COMMON STOCK 076446301 101 6000 SH DEFINED 6000 0 0
BELL ATLANTIC COMMON STOCK 077853109 9061 134617 SH DEFINED 122723 120 11774
BELL ATLANTIC COMMON STOCK 077853109 232 3442 SH OTHER 3442 0 0
BELLSOUTH COMMON STOCK 079860102 7284 161870 SH DEFINED 159738 0 2132
BELLSOUTH COMMON STOCK 079860102 138 3064 SH OTHER 3064 0 0
BERGIN BRUNSWIG COMMON STOCK 083739102 21 2050 SH DEFINED 2050 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670108 55 1 SH DEFINED 1 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670207 71 38 SH DEFINED 17 0 21
BESTFOODS COM STK* COMMON STOCK 08658U101 128 2629 SH DEFINED 2564 65 0
BESTFOODS COM STK* COMMON STOCK 08658U101 39 800 SH OTHER 800 0 0
BHA GROUP HLDGS INC COMMON STOCK 055446108 24 2500 SH DEFINED 2500 0 0
BIOGEN INC COMMON STOCK 090597105 43 550 SH DEFINED 0 0 550
BIOMATRIX INC COMMON STOCK 09060P102 27 1200 SH DEFINED 1200 0 0
BIOMET INC COMMON STOCK 090613100 13 500 SH DEFINED 0 0 500
BIOMIRA INC COMMON STOCK 09161R106 1 200 SH DEFINED 0 0 200
BLACK HILLS CORP COMMON STOCK 092113109 45 1923 SH DEFINED 1923 0 0
BLACKROCK 1999 TERM TR INC COMMON STOCK 09247T100 30 3000 SH DEFINED 0 0 3000
BLAIR CORP COMMON STOCK 092828102 18 1000 SH DEFINED 1000 0 0
BMC SOFTWARE INC COMMON STOCK 055921100 135 1885 SH DEFINED 0 0 1885
BOB EVANS FARMS COMMON STOCK 096761101 154 7554 SH DEFINED 7554 0 0
BODDIE-NOELL PPTYS INC COMMON STOCK 096903109 65 6500 SH DEFINED 6500 0 0
BOEING CO CAP STK* COMMON STOCK 097023105 502 11781 SH DEFINED 5222 129 6430
BOEING CO CAP STK* COMMON STOCK 097023105 17 400 SH OTHER 400 0 0
BOGEN COMMUNICATIONS INTL INCO COMMON STOCK 097189104 6 1100 SH DEFINED 1100 0 0
BOYKIN LODGING CO COMMON STOCK 103430104 30 2300 SH DEFINED 2300 0 0
BRE PPTYS INC COMMON STOCK 05564E106 129 5378 SH DEFINED 4028 0 1350
BRIGGS & STRATTON CORP COMMON STOCK 109043109 47 800 SH DEFINED 800 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 13255 196366 SH DEFINED 185650 90 10626
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 284 4200 SH OTHER 4200 0 0
BROADVISION INC COMMON STOCK 111412102 346 2600 SH DEFINED 2600 0 0
BROOKS AUTOMATION INC COMMON STOCK 11434A100 155 8800 SH DEFINED 8800 0 0
BROOKTROUT INC. COMMON STOCK 114580103 9 647 SH DEFINED 0 0 647
BRUSH WELLMAN INC COMMON STOCK 117421107 76 5200 SH DEFINED 5200 0 0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK 12189T104 1173 42658 SH DEFINED 36658 0 6000
BURLINGTON RESOURCES COMMON STOCK 122014103 725 19730 SH DEFINED 17730 0 2000
BUSH INDS INC COMMON STOCK 123164105 14 1100 SH DEFINED 1100 0 0
C & D TECHNOLOGIES INC COMMON STOCK 124661109 113 3100 SH DEFINED 3100 0 0
C-CUBE MICROSYSTEMS INC COMMON STOCK 125015107 22 500 SH DEFINED 500 0 0
CABLEVISION SYS CORP COMMON STOCK 12686C109 298 4100 SH DEFINED 4100 0 0
CALLAWAY GOLF CO COMMON STOCK 131193104 60 4900 SH DEFINED 400 0 4500
CALTON INC NEW COMMON STOCK 131380206 1 1000 SH DEFINED 0 0 1000
CAMDEN PPTY TR COMMON STOCK 133131102 81 3000 SH DEFINED 3000 0 0
CAPITAL ONE FINL CORP COMMON STOCK 14040H105 140 3600 SH DEFINED 3600 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 139 2559 SH DEFINED 2334 125 100
CARLISLE COS INC COMMON STOCK 142339100 107 2700 SH DEFINED 2700 0 0
CARLISLE HOLDINGS LTD. COMMON STOCK P21277101 16 1500 SH DEFINED 1500 0 0
CARNIVAL CRUISE LINES INC COMMON STOCK 143658102 13 300 SH DEFINED 300 0 0
CAROLINA POWER + LIGHT CO COM COMMON STOCK 144141108 134 3783 SH DEFINED 3698 85 0
CAROLINA POWER + LIGHT CO COM COMMON STOCK 144141108 35 1000 SH OTHER 0 0 1000
CASE EQUIP CORP COMMON STOCK 14743R103 10 200 SH DEFINED 200 0 0
CATELLUS DEV CORP COMMON STOCK 149111106 0 36 SH DEFINED 36 0 0
CATERPILLAR INC. COMMON STOCK 149123101 318 5810 SH DEFINED 2180 125 3505
CATERPILLAR INC. COMMON STOCK 149123101 5 84 SH OTHER 84 0 0
"CBRL GROUP, INC. COM COMMON STOCK 12489V106 52 3387 SH DEFINED 1687 0 1700"
CBS CORP COMMON STOCK 12490K107 16 340 SH DEFINED 340 0 0
CELEBRITY INC COMMON STOCK 151004207 3 1000 SH DEFINED 0 0 1000
CENDANT CORP COMMON STOCK 151313103 159 8970 SH DEFINED 2000 0 6970
CENTERPOINT PROPERTIES TRUST COMMON STOCK 151895109 135 4000 SH DEFINED 4000 0 0
CENTRAL & SOUTHWEST CORP* COMMON STOCK 152357109 135 6380 SH DEFINED 6380 0 0
CFW COMMUNICATIONS CO COMMON STOCK 124923103 72 3000 SH DEFINED 3000 0 0
CHAMPION ENTERPRISES INC COMMON STOCK 158496109 11 1200 SH DEFINED 1200 0 0
CHAMPION INDS INC COMMON STOCK 158520106 21 3436 SH DEFINED 2439 0 997
CHAMPION INDS INC COMMON STOCK 158520106 12 1952 SH OTHER 1952 0 0
CHANNELL COML CORP COMMON STOCK 159186105 10 1000 SH DEFINED 1000 0 0
CHARTWELL RE CORP COMMON STOCK 16139W109 17 1200 SH DEFINED 1200 0 0
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 883 11710 SH DEFINED 5085 0 6625
CHECK POINT SOFTW TECH COMMON STOCK M22465104 296 3500 SH DEFINED 3500 0 0
CHEMFAB CORP COMMON STOCK 16361L102 48 3000 SH DEFINED 3000 0 0
CHEVRON COMMON STOCK 166751107 1071 12064 SH DEFINED 9884 0 2180
CHEVRON COMMON STOCK 166751107 171 1932 SH OTHER 1932 0 0
CHILDRENS PL RETAIL STORES INC COMMON STOCK 168905107 152 5700 SH DEFINED 5700 0 0
CHIRON CORP COMMON STOCK 170040109 32 1150 SH DEFINED 1150 0 0
CHOICE HOTELS INTL INC COMMON STOCK 169905106 3 200 SH DEFINED 200 0 0
CHOICEPOINT INC COMMON STOCK 170388102 4 60 SH DEFINED 60 0 0
CHUBB CORP COMMON STOCK 171232101 125 2525 SH DEFINED 1625 0 900
CIGNA CORP COMMON STOCK 125509109 167 2150 SH DEFINED 1450 0 700
CINCINNATI BELL COMMON STOCK 171870108 129 6634 SH DEFINED 6634 0 0
CINCINNATI FINANCIAL CORP COMMON STOCK 172062101 56 1504 SH DEFINED 504 0 1000
CINERGY CORP COMMON STOCK 172474108 105 3723 SH DEFINED 3723 0 0
CINTAS CORP COMMON STOCK 172908105 173 3000 SH DEFINED 0 0 3000
CIPRICO INC COMMON STOCK 172529109 9 800 SH DEFINED 800 0 0
CIRCUIT CITY STORES COMMON STOCK 172737108 42 1000 SH DEFINED 400 0 600
CISCO SYS INC COMMON STOCK 17275R102 6295 91818 SH DEFINED 71738 434 19646
CISCO SYS INC COMMON STOCK 17275R102 21 300 SH OTHER 100 0 200
CIT GROUP INC COMMON STOCK 125577106 171 8300 SH DEFINED 8300 0 0
CITIGROUP INC COMMON STOCK 172967101 3361 76382 SH DEFINED 58300 670 17412
CITRIX SYS INC COMMON STOCK 177376100 192 3100 SH DEFINED 3100 0 0
CITY HOLDING COMMON STOCK 177835105 3632 188669 SH DEFINED 164692 0 23977
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK 184502102 27 335 SH DEFINED 0 0 335
CLECO CORP NEW COM COMMON STOCK 12561W105 25 768 SH DEFINED 0 0 768
CLOROX CO COMMON STOCK 189054109 252 6600 SH DEFINED 6600 0 0
CMGI INC. COMMON STOCK 125750109 1559 15210 SH DEFINED 14970 0 240
CNET INC COMMON STOCK 125945105 414 7400 SH DEFINED 4600 0 2800
COASTAL CORP COMMON STOCK 190441105 409 9984 SH DEFINED 1784 0 8200
COCA COLA BOTTLING CO CONS COMMON STOCK 191098102 22 400 SH DEFINED 400 0 0
COCA COLA ENTERPRISES INC COMMON STOCK 191219104 158 7000 SH DEFINED 0 0 7000
COCA-COLA CO COM STK* COMMON STOCK 191216100 6507 134870 SH DEFINED 133869 76 925
COLD METAL PRODS INC COMMON STOCK 192861102 15 4500 SH DEFINED 4500 0 0
COLGATE-PALMOLIVE CO COM STK COMMON STOCK 194162103 391 8542 SH DEFINED 7860 202 480
COLUMBIA / HCA HEALTHCARE CORP COMMON STOCK 197677107 224 10550 SH DEFINED 0 0 10550
COLUMBIA ENERGY GROUP COMMON STOCK 197648108 431 7777 SH DEFINED 7777 0 0
COLUMBUS MCKINNON CORP N Y COMMON STOCK 199333105 105 6100 SH DEFINED 6100 0 0
COMCAST CORP CL A COMMON STOCK 200300101 29 800 SH DEFINED 800 0 0
COMERICA INC COMMON STOCK 200340107 192 3800 SH DEFINED 0 0 3800
COMMERCE BANCSHARES INC COMMON STOCK 200525103 0 6 SH DEFINED 0 0 6
COMMUNITY TR BANCORP INC COMMON STOCK 204149108 59 2722 SH DEFINED 2722 0 0
COMPAQ COMPUTER COMMON STOCK 204493100 444 19395 SH DEFINED 5700 195 13500
COMPASS BANCSHARES INC COMMON STOCK 20449H109 261 10450 SH DEFINED 10450 0 0
COMPUTER ASSOCIATES COMMON STOCK 204912109 829 13555 SH DEFINED 1965 105 11485
COMPUTER SCIENCE COMMON STOCK 205363104 3038 43200 SH DEFINED 38570 330 4300
COMPUWARE CORP COMMON STOCK 205638109 85 3280 SH DEFINED 0 130 3150
COMSAT CORP COMMON STOCK 20564D107 24 800 SH DEFINED 800 0 0
"CONAGRA, INC. COMMON STOCK 205887102 72 3200 SH DEFINED 400 0 2800"
CONCORD CAMERA CORP COMMON STOCK 206156101 18 2100 SH DEFINED 2100 0 0
CONECTIV INC COMMON STOCK 206829103 68 3457 SH DEFINED 3457 0 0
CONECTIV INC COMMON STOCK 206829202 8 187 SH DEFINED 187 0 0
CONEXANT SYS INC COMMON STOCK 207142100 82 1134 SH DEFINED 834 0 300
CONEXANT SYS INC COMMON STOCK 207142100 109 1500 SH OTHER 1500 0 0
CONOCO INC COMMON STOCK 208251306 350 12600 SH DEFINED 12600 0 0
CONOCO INC COMMON STOCK 208251405 162 5908 SH DEFINED 728 0 5180
CONS NATURAL GAS CO CAP STK COMMON STOCK 209615103 340 5456 SH DEFINED 4256 0 1200
CONSECO INC COMMON STOCK 208464107 142 7460 SH DEFINED 300 160 7000
CONSOLIDATED EDISON INC. COM COMMON STOCK 209115104 195 4704 SH DEFINED 4704 0 0
CONSOLIDATED TOMOKA LD CO COMMON STOCK 210226106 4 290 SH DEFINED 290 0 0
CONSTELLATION ENERGY GROUP COMMON STOCK 210371100 73 2596 SH DEFINED 2596 0 0
CONSTELLATION ENERGY GROUP COMMON STOCK 210371100 10 373 SH OTHER 373 0 0
CONVERGYS CORP COMMON STOCK 212485106 56 2850 SH DEFINED 2850 0 0
COOPER INDUSTRIES* COMMON STOCK 216669101 26 560 SH DEFINED 560 0 0
COOPER TIRE & RUBR CO COMMON STOCK 216831107 88 5000 SH DEFINED 2000 0 3000
CORN PRODS INTL INC COMMON STOCK 219023108 3 100 SH OTHER 100 0 0
COTTON STS LIFE & HEALTH INS C COMMON STOCK 221774102 31 3250 SH DEFINED 3250 0 0
COUNTRYWIDE CR INDS INC COMMON STOCK 222372104 61 1885 SH DEFINED 0 35 1850
COVAD COMMUNICATIONS GROUP INC COMMON STOCK 222814204 135 3100 SH DEFINED 3100 0 0
COX COMMUNICATIONS INC NEW COMMON STOCK 224044107 291 6976 SH DEFINED 6976 0 0
CPAC INC COMMON STOCK 126145101 7 1200 SH DEFINED 1200 0 0
CRANE CO COMMON STOCK 224399105 230 10250 SH DEFINED 1900 0 8350
CREDENCE SYS CORP DEL COMMON STOCK 225302108 36 800 SH DEFINED 800 0 0
CRESTLINE CAP CORP COMMON STOCK 226153104 14 700 SH DEFINED 700 0 0
CROWN CORK & SEAL INC COMMON STOCK 228255105 51 2100 SH DEFINED 1000 0 1100
CSS INDS INC COMMON STOCK 125906107 101 4400 SH DEFINED 4400 0 0
CSX CORPORATION* COMMON STOCK 126408103 1102 26005 SH DEFINED 24645 0 1360
CSX CORPORATION* COMMON STOCK 126408103 106 2504 SH OTHER 2504 0 0
CURTISS WRIGHT CORP COMMON STOCK 231561101 32 1000 SH DEFINED 1000 0 0
CVS CORP* COMMON STOCK 126650100 530 12975 SH DEFINED 11675 100 1200
CYBER-CARE INC. COMMON STOCK 23243T105 3 1300 SH DEFINED 0 0 1300
CYGNUS INC COMMON STOCK 232560102 11 1000 SH DEFINED 1000 0 0
CYPRUS AMAX MINERALS CO COMMON STOCK 232809103 11 561 SH DEFINED 561 0 0
CYTEC INDS INC COMMON STOCK 232820100 24 1026 SH DEFINED 1026 0 0
CYTOCLONAL PHARMACEUTICS INC COMMON STOCK 23282G105 5 740 SH DEFINED 740 0 0
DANA CORP COMMON STOCK 235811106 48 1301 SH DEFINED 0 0 1301
DARDEN RESTAURANTS INC COMMON STOCK 237194105 18 900 SH DEFINED 900 0 0
DATA BROADCASTING CORP COMMON STOCK 237596101 2 300 SH DEFINED 0 0 300
DAYTON HUDSON CORP COMMON STOCK 239753106 1172 19510 SH DEFINED 12285 175 7050
DAYTON POWER/DPL COMMON STOCK 233293109 6 337 SH DEFINED 337 0 0
DELL COMPUTER CORP COMMON STOCK 247025109 604 14440 SH DEFINED 10910 130 3400
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 206 12810 SH DEFINED 7880 0 4930
DELTA AIR LINES INC DEL COMMON STOCK 247361108 73 1500 SH DEFINED 1300 0 200
DELTA FINL CORP COMMON STOCK 247918105 9 1700 SH DEFINED 1700 0 0
DELTIC TIMBER CORP COMMON STOCK 247850100 84 3676 SH DEFINED 3676 0 0
DELUXE CHECK PRINTERS COMMON STOCK 248019101 81 2390 SH DEFINED 0 0 2390
DEVELOPERS DIVERSIFIED RLTY CO COMMON STOCK 251591103 4 260 SH DEFINED 0 0 260
DIAL CORP NEW COMMON STOCK 25247D101 62 2430 SH DEFINED 2430 0 0
DIAL CORP NEW COMMON STOCK 25247D101 1 50 SH OTHER 50 0 0
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DII GROUP INC COMMON STOCK 232949107 39 1100 SH DEFINED 1100 0 0
DILLARDS INC COMMON STOCK 254067101 26 1300 SH DEFINED 0 0 1300
DOMINION HOMES INC COMMON STOCK 257386102 6 1000 SH DEFINED 1000 0 0
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DOW CHEMICAL CO COM STK* COMMON STOCK 260543103 486 4275 SH DEFINED 2610 0 1665
"DQE, INC COMMON STOCK 23329J104 63 1602 SH DEFINED 1602 0 0"
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ECHELON INTL CORP COMMON STOCK 278747100 3 125 SH DEFINED 125 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 179 7370 SH DEFINED 3780 0 3590
EDWARDS A G INC COMMON STOCK 281760108 8 300 SH OTHER 300 0 0
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EMERSON ELECTRIC CO COMMON STOCK 291011104 1103 17455 SH DEFINED 11800 35 5620
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ENRON CORP COMMON STOCK 293561106 1767 43028 SH DEFINED 42838 190 0
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GLIMCHER RLTY TR COMMON STOCK 379302102 19 1300 SH DEFINED 0 0 1300
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GLOBAL MARINE INC COMMON STOCK 379352404 22 1350 SH DEFINED 0 0 1350
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GPU INC COMMON STOCK 36225X100 39 1184 SH DEFINED 1184 0 0
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HEWLETT-PACKARD CO COMM STK COMMON STOCK 428236103 2061 22710 SH DEFINED 13300 0 9410
HIGHWOODS PPTYS INC COMMON STOCK 431284108 114 4400 SH DEFINED 4200 0 200
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IMATION CORP COMMON STOCK 45245A107 3 108 SH DEFINED 108 0 0
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KATY INDS INC COMMON STOCK 486026107 16 1300 SH DEFINED 1300 0 0
KEANE INC COMMON STOCK 486665102 2 105 SH DEFINED 0 105 0
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KEYCORP NEW COMMON STOCK 493267108 52 2000 SH DEFINED 2000 0 0
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KROGER CO COM STK COMMON STOCK 501044101 502 22752 SH DEFINED 7902 150 14700
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LAIDLAW INC COMMON STOCK 50730K503 79 11715 SH DEFINED 0 0 11715
LEHMAN BROS HLDGS INC COMMON STOCK 524908100 36 612 SH DEFINED 612 0 0
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LSI LOGIC CORP COMMON STOCK 502161102 31 600 SH DEFINED 0 0 600
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 7940 122396 SH DEFINED 113298 177 8921
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MARINE DRILLING COS INC COMMON STOCK 568240204 3 200 SH DEFINED 100 0 100
MARK IV INDS INC COMMON STOCK 570387100 219 11105 SH DEFINED 6900 0 4205
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MELLON BANK CORP COMMON STOCK 585509102 351 10444 SH DEFINED 10444 0 0
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MESTEK INC COMMON STOCK 590829107 38 1900 SH DEFINED 1900 0 0
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MICRON TECHNOLOGY INC COMMON STOCK 595112103 7 100 SH DEFINED 0 0 100
MICROSEMI CORP COMMON STOCK 595137100 30 4000 SH DEFINED 4000 0 0
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MICROWAVE PWR DEVICES INC DEL COMMON STOCK 59517M103 4 300 SH DEFINED 300 0 0
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MILLENNIUM PHARMACEUTICALS INC COMMON STOCK 599902103 16 243 SH DEFINED 0 0 243
MINNESOTA MINING + MFG CO COMM COMMON STOCK 604059105 961 10004 SH DEFINED 5369 135 4500
"MINNESOTA POWER, INC. COMMON STOCK 604110106 35 2000 SH DEFINED 2000 0 0"
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MOBIL OIL CORP CAP STK COMMON STOCK 607059102 5895 58507 SH DEFINED 51542 50 6915
MOBIL OIL CORP CAP STK COMMON STOCK 607059102 282 2800 SH OTHER 2800 0 0
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MONRO MUFFLER BRAKE INC COMMON STOCK 610236101 66 9900 SH DEFINED 9900 0 0
MONSANTO CO COM STK COMMON STOCK 611662107 388 10865 SH DEFINED 3500 165 7200
MONTANA POWER COMMON STOCK 612085100 91 3000 SH DEFINED 3000 0 0
MORGAN J P & CO INC* COMMON STOCK 616880100 717 6275 SH DEFINED 6275 0 0
MORGAN J P & CO INC* COMMON STOCK 616880100 23 200 SH OTHER 200 0 0
MORGAN STANLEY DEAN WITTER & C COMMON STOCK 617446448 170 1907 SH DEFINED 267 40 1600
MORGAN STANLEY DEAN WITTER IND COMMON STOCK 61745C105 23 1700 SH DEFINED 1700 0 0
MORRISON MGMT SPECIALISTS INC. COMMON STOCK 618459101 43 1890 SH DEFINED 1890 0 0
MOTOROLA INC COMMON STOCK 620076109 797 9060 SH DEFINED 7050 0 2010
MOTOROLA INC COMMON STOCK 620076109 123 1400 SH OTHER 1400 0 0
MPW INDL SVCS GROUP INC COMMON STOCK 553444100 7 1000 SH DEFINED 1000 0 0
MUELLER INDS INC COMMON STOCK 624756102 1 44 SH OTHER 44 0 0
MURPHY OIL CORP COM STK* COMMON STOCK 626717102 697 12900 SH DEFINED 12900 0 0
MUSICLAND STORES CORP COMMON STOCK 62758B109 17 1900 SH DEFINED 1900 0 0
MYERS INDS INC COMMON STOCK 628464109 29 1650 SH DEFINED 1650 0 0
MYLAN LAB INC* COMMON STOCK 628530107 1147 62408 SH DEFINED 61908 0 500
NABORS INDS INC COMMON STOCK 629568106 8 300 SH DEFINED 300 0 0
NACCO INDS INC CL A COMMON STOCK 629579103 3 46 SH OTHER 46 0 0
NASDAQ 100 TR COMMON STOCK 631100104 3 25 SH DEFINED 0 0 25
NASH FINCH CO COMMON STOCK 631158102 22 3200 SH DEFINED 3200 0 0
NASHUA CORP COMMON STOCK 631226107 8 900 SH DEFINED 900 0 0
NATIONAL CITY BANCORPORATION COMMON STOCK 635312101 2 124 SH DEFINED 124 0 0
NATIONAL CITY CORP COMMON STOCK 635405103 312 11676 SH DEFINED 6676 0 5000
NATIONAL FUEL GAS CO N J COMMON STOCK 636180101 241 5115 SH DEFINED 5115 0 0
NATIONAL GOLF PPTYS INC COMMON STOCK 63623G109 56 2500 SH DEFINED 1500 0 1000
NAVIGANT CONSULTING INC COMMON STOCK 63935N107 134 2900 SH DEFINED 2900 0 0
NCR CORP NEW COMMON STOCK 62886E108 56 1679 SH DEFINED 1624 0 55
NCR CORP NEW COMMON STOCK 62886E108 4 130 SH OTHER 99 0 31
NEOMAGIC CORP COMMON STOCK 640497103 14 1800 SH DEFINED 1800 0 0
NETMANAGE INC COMMON STOCK 641144100 2 1000 SH DEFINED 0 0 1000
NETWORK APPLIANCE INC COMMON STOCK 64120L104 258 3600 SH DEFINED 3600 0 0
NEUROGEN CORP COMMON STOCK 64124E106 17 1000 SH DEFINED 1000 0 0
NEW CENTY ENERGIES INC COMMON STOCK 64352U103 776 23205 SH DEFINED 23205 0 0
NEW GERMANY FD INC COMMON STOCK 644465106 24 2000 SH DEFINED 2000 0 0
NEW PLAN EXCEL RLTY TR INC COMMON STOCK 648053106 81 4575 SH DEFINED 3900 0 675
"NEWELL RUBBERMAID, INC. COMMON STOCK 651229106 41 1448 SH DEFINED 1448 0 0"
NEWMONT MNG CORP COMMON STOCK 651639106 4 160 SH DEFINED 160 0 0
NEWPORT NEWS SHIPBUILDING INC COMMON STOCK 652228107 4 125 SH DEFINED 125 0 0
NEXTEL COMMUNICATIONS INC COMMON STOCK 65332V103 20 300 SH DEFINED 0 0 300
NEXTLINK COMMUNICATIONS INC CL COMMON STOCK 65333H707 26 500 SH DEFINED 0 0 500
NIAGARA MOHAWK HOLDINGS INC. COMMON STOCK 653520106 95 6100 SH DEFINED 100 0 6000
NICOR INC COMMON STOCK 654086107 3 70 SH DEFINED 70 0 0
NIKE INC COMMON STOCK 654106103 107 1890 SH DEFINED 300 0 1590
"NISOURCE, INC. COMMON STOCK 65473P105 130 5888 SH DEFINED 1088 0 4800"
NOBLE AFFILIATES INC COMMON STOCK 654894104 113 3900 SH DEFINED 0 0 3900
NOKIA CORP COMMON STOCK 654902204 133 1478 SH DEFINED 1275 123 80
NORD RESOURCES CORP COMMON STOCK 655555100 1 2000 SH DEFINED 2000 0 0
NORFOLK SOUTHERN CORPORATION COMMON STOCK 655844108 2258 92143 SH DEFINED 92143 0 0
NORTHEAST UTILITIES* COMMON STOCK 664397106 7 400 SH DEFINED 400 0 0
NORTHERN STATES POWER CO* COMMON STOCK 665772109 215 9952 SH DEFINED 9952 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 6 90 SH DEFINED 90 0 0
NOVELL INC COMMON STOCK 670006105 40 1950 SH DEFINED 0 0 1950
NSTAR COMMON STOCK 67019E107 73 1872 SH DEFINED 1872 0 0
NUCOR CORP COMMON STOCK 670346105 42 876 SH OTHER 876 0 0
O'SULLIVAN INDS HLDGS INC COMMON STOCK 688609106 60 4000 SH DEFINED 4000 0 0
OAO TECHNOLOGY SOLUTIONS INC COMMON STOCK 67082B105 4 1360 SH DEFINED 1360 0 0
OCCIDENTAL PETROLEUM CORP COM COMMON STOCK 674599105 47 2036 SH DEFINED 1818 0 218
"OCEAN ENERGY, INC. NEW COMMON STOCK 67481E106 40 3900 SH DEFINED 0 0 3900"
OCTEL CORP COMMON STOCK 675727101 1 50 SH DEFINED 0 0 50
OFFICE DEPOT INC COMMON STOCK 676220106 7 675 SH DEFINED 675 0 0
OGE ENERGY CORP COMMON STOCK 670837103 31 1404 SH DEFINED 1404 0 0
OHIO CAS CORP COMMON STOCK 677240103 34 2000 SH DEFINED 2000 0 0
OLD REP INTL CORP COMMON STOCK 680223104 35 2400 SH DEFINED 500 0 1900
OLSTEN CORP COMMON STOCK 681385100 42 4000 SH DEFINED 0 0 4000
OM GROUP INC COMMON STOCK 670872100 77 2000 SH DEFINED 2000 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 285 3600 SH DEFINED 3600 0 0
OMNIPOINT CORP COMMON STOCK 68212D102 84 1500 SH DEFINED 1500 0 0
"ONE VALLEY BANCORP, INC. COMMON STOCK 682419106 162914 4722155 SH DEFINED 3186797 1354653 180705"
"ONE VALLEY BANCORP, INC. COMMON STOCK 682419106 583 16900 SH OTHER 12677 0 4223"
ONEIDA LTD COMMON STOCK 682505102 121 5100 SH DEFINED 5100 0 0
OPTIMAL ROBOTICS CORP COMMON STOCK 68388R208 9 500 SH DEFINED 0 0 500
ORACLE SYS CORP COMMON STOCK 68389X105 633 13922 SH DEFINED 7225 197 6500
ORBITAL SCIENCES CORP COMMON STOCK 685564106 18 1000 SH DEFINED 1000 0 0
OSTEOTECH INC COMMON STOCK 688582105 10 750 SH DEFINED 750 0 0
OWENS ILL INC COMMON STOCK 690768403 65 3300 SH DEFINED 0 0 3300
OXFORD HEALTH PLANS INC COMMON STOCK 691471106 1 100 SH DEFINED 0 0 100
P P & L RES INC COMMON STOCK 693499105 11 400 SH DEFINED 400 0 0
P P G INDUSTRIES COMMON STOCK 693506107 30 500 SH DEFINED 500 0 0
P P G INDUSTRIES COMMON STOCK 693506107 216 3600 SH OTHER 3600 0 0
PACIFICORP COMMON STOCK 695114108 186 9220 SH DEFINED 9220 0 0
PAGING NETWORK INC COMMON STOCK 695542100 3 2700 SH DEFINED 0 0 2700
PANAMERICAN BEVERAGES INC COMMON STOCK P74823108 41 2500 SH DEFINED 2500 0 0
PARAMETRIC TECHNOLOGY CORP COMMON STOCK 699173100 1 100 SH DEFINED 0 0 100
PARK PL ENTMT CORP COMMON STOCK 700690100 4 300 SH DEFINED 0 0 300
PATRICK INDS INC COMMON STOCK 703343103 3 200 SH DEFINED 200 0 0
PAYLESS SHOESOURCE INC COMMON STOCK 704379106 109 2160 SH DEFINED 160 0 2000
PAYLESS SHOESOURCE INC COMMON STOCK 704379106 56 1108 SH OTHER 1108 0 0
PE CORP COMMON STOCK 69332S201 322 8000 SH DEFINED 8000 0 0
PECO ENERGY CO COMMON STOCK 693304107 22 585 SH DEFINED 585 0 0
PENN ENGR & MFG CORP COMMON STOCK 707389300 130 5300 SH DEFINED 5300 0 0
PENNEY J C CO COM STK* COMMON STOCK 708160106 25 732 SH DEFINED 732 0 0
PENNZOIL-QUAKER ST CO COMMON STOCK 709323109 8 646 SH DEFINED 646 0 0
PENNZOIL-QUAKER ST CO COMMON STOCK 709323109 93 7383 SH OTHER 7383 0 0
PEOPLES BANCORP INC COMMON STOCK 709789101 59 2145 SH DEFINED 2145 0 0
PEOPLES ENERGY CORP COMMON STOCK 711030106 3 84 SH DEFINED 84 0 0
PEOPLESOFT INC COMMON STOCK 712713106 19 1100 SH DEFINED 1000 0 100
PEP BOYS MANNY MOE & JACK COMMON STOCK 713278109 22 1500 SH DEFINED 0 0 1500
PEPSICO INC COMMON STOCK 713448108 1614 52929 SH DEFINED 51729 0 1200
PEPSICO INC COMMON STOCK 713448108 55 1800 SH OTHER 1800 0 0
PERCEPTRON INC COMMON STOCK 71361F100 7 2100 SH DEFINED 2100 0 0
PFIZER INC COM STK COMMON STOCK 717081103 6209 173068 SH DEFINED 162903 240 9925
PG & E CORP COMMON STOCK 69331C108 118 4549 SH DEFINED 4549 0 0
PHARMACIA & UPJOHN INC COMMON STOCK 716941109 233 4695 SH DEFINED 2090 0 2605
PHELPS DODGE CORP COMMON STOCK 717265102 11 200 SH DEFINED 200 0 0
PHILIP MORRIS COS INC COMMON STOCK 718154107 3069 89760 SH DEFINED 79465 0 10295
PHILIP MORRIS COS INC COMMON STOCK 718154107 21 600 SH OTHER 600 0 0
PHILLIPS PETROLEUM CO COM STK* COMMON STOCK 718507106 198 4057 SH DEFINED 3457 0 600
PIEDMONT NAT GAS INC COMMON STOCK 720186105 242 7970 SH DEFINED 7970 0 0
PILLOWTEX CORP COMMON STOCK 721501104 6 800 SH DEFINED 0 0 800
PITNEY BOWES INC. COMMON STOCK 724479100 424 6950 SH DEFINED 5000 0 1950
PITNEY BOWES INC. COMMON STOCK 724479100 183 3000 SH OTHER 3000 0 0
PITTSTON BAX GROUP COMMON STOCK 725701882 0 50 SH DEFINED 50 0 0
PITTSTON SERVICES GROUP COMMON STOCK 725701106 2 100 SH DEFINED 100 0 0
PLEXUS CORP COMMON STOCK 729132100 31 1000 SH DEFINED 1000 0 0
PNC BANK CORP COMMON STOCK 693475105 1542 29275 SH DEFINED 29175 0 100
PNC BANK CORP COMMON STOCK 693475105 15 280 SH OTHER 280 0 0
POOL ENERGY SVCS CO COMMON STOCK 732788104 6 254 SH DEFINED 154 0 100
POST PPTYS INC COMMON STOCK 737464107 123 3125 SH DEFINED 3000 0 125
POTOMAC ELECTRIC POWER CO COM COMMON STOCK 737679100 386 15187 SH DEFINED 15187 0 0
POTOMAC ELECTRIC POWER CO COM COMMON STOCK 737679100 61 2384 SH OTHER 2384 0 0
PRAXAIR INC COMMON STOCK 74005P104 173 3770 SH DEFINED 3770 0 0
PRAXAIR INC COMMON STOCK 74005P104 7 150 SH OTHER 150 0 0
PRE-MARK INTERNATIONAL COMMON STOCK 740459102 38 750 SH DEFINED 750 0 0
PREMIER FINL BANCORP INC COMMON STOCK 74050M105 39 3412 SH DEFINED 2770 0 642
PREMIER FINL BANCORP INC COMMON STOCK 74050M105 7 630 SH OTHER 630 0 0
PRENTISS PPTYS TR COMMON STOCK 740706106 133 6000 SH DEFINED 6000 0 0
PRIMESOURCE CORP COMMON STOCK 741593107 28 4900 SH DEFINED 4900 0 0
PRINTRONIX INC COMMON STOCK 742578107 30 1600 SH DEFINED 1600 0 0
PRIORITY HEALTHCARE CORP COMMON STOCK 74264T102 179 5790 SH DEFINED 5790 0 0
PRISON RLTY TR INC COMMON STOCK 74264N105 11 1000 SH DEFINED 1000 0 0
PROCTER & GAMBLE CO COM STK* COMMON STOCK 742718109 2587 27595 SH DEFINED 23525 0 4070
PROFIT RECOVERY GROUP INTL INC COMMON STOCK 743168106 278 6225 SH DEFINED 6225 0 0
PROLOGIS TR SH BEN INT COMMON STOCK 743410102 103 5454 SH DEFINED 5454 0 0
PROMUS HOTEL CORP NEW COMMON STOCK 74342P106 1 42 SH OTHER 42 0 0
PROVIDIAN FINL CORP COMMON STOCK 74406A102 2966 37460 SH DEFINED 37400 60 0
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK 744573106 202 5223 SH DEFINED 5223 0 0
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK 744573106 18 465 SH OTHER 465 0 0
PUBLIC STORAGE INC COMMON STOCK 74460D109 11 430 SH DEFINED 430 0 0
PUGET SOUND ENERGY INC. COMMON STOCK 745332106 33 1490 SH DEFINED 200 0 1290
QLOGIC CORP COMMON STOCK 747277101 391 5600 SH DEFINED 4800 0 800
QMS INC COMMON STOCK 74726G102 4 1000 SH DEFINED 0 0 1000
QUAKER OATS CO COMMON STOCK 747402105 157 2536 SH DEFINED 2536 0 0
QUALCOMM INC COMMON STOCK 747525103 488 2582 SH DEFINED 2350 0 232
QUANTUM CORP DSSG COM COMMON STOCK 747906204 5 350 SH DEFINED 350 0 0
QUANTUM CORP HDDG COM COMMON STOCK 747906303 1 175 SH DEFINED 175 0 0
QUESTAR CORP COMMON STOCK 748356102 145 8000 SH DEFINED 8000 0 0
QWEST COMMUNICATIONS INTL INC COMMON STOCK 749121109 6 200 SH DEFINED 200 0 0
R & B FALCON CORP COMMON STOCK 74912E101 42 3200 SH DEFINED 200 0 3000
R & B INC COMMON STOCK 749124103 15 2700 SH DEFINED 2700 0 0
RALCORP HLDGS INC NEW COMMON STOCK 751028101 50 2799 SH DEFINED 2799 0 0
RALSTON PURINA CO COMMON STOCK 751277302 885 31746 SH DEFINED 31746 0 0
RAYONIER INC COMMON STOCK 754907103 2062 49107 SH DEFINED 49107 0 0
RAYTHEON CO COMMON STOCK 755111309 125 2574 SH DEFINED 531 0 2043
RAYTHEON CO. COM COMMON STOCK 755111408 159 3203 SH DEFINED 0 153 3050
REALNETWORKS INC COMMON STOCK 75605L104 293 2800 SH DEFINED 2800 0 0
REALTY INCOME CORP COMMON STOCK 756109104 37 1600 SH DEFINED 1600 0 0
REEBOK INTL LTD COMMON STOCK 758110100 3 300 SH DEFINED 300 0 0
REGIONS FINL CORP COMMON STOCK 758940100 159 5304 SH DEFINED 5304 0 0
"RELIANT ENERGY, INC. COMMON STOCK 75952J108 10 367 SH DEFINED 367 0 0"
REMEDYTEMP INC COMMON STOCK 759549108 46 3200 SH DEFINED 3200 0 0
REPUBLIC SEC FINL CORP COMMON STOCK 760758102 3 375 SH DEFINED 375 0 0
REPUBLIC SVCS INC COMMON STOCK 760759100 36 3285 SH DEFINED 0 0 3285
REYNOLDS METALS CO COMMON STOCK 761763101 122 2020 SH DEFINED 120 0 1900
RGC RESOURCES INC. COMMON STOCK 74955L103 1 45 SH DEFINED 45 0 0
RICHARDSON ELECTRS LTD COMMON STOCK 763165107 34 4100 SH DEFINED 4100 0 0
RITE AID CORP COMMON STOCK 767754104 21 1510 SH DEFINED 0 510 1000
ROBERTSON CECO CORP COMMON STOCK 770539203 21 2700 SH DEFINED 2700 0 0
ROCKWELL INTL CORP NEW COMMON STOCK 773903109 166 3169 SH DEFINED 1669 0 1500
ROCKWELL INTL CORP NEW COMMON STOCK 773903109 158 3000 SH OTHER 3000 0 0
ROGERS CORP COMMON STOCK 775133101 129 3500 SH DEFINED 3500 0 0
ROGUE WAVE SOFTWARE INC COMMON STOCK 775369101 13 2200 SH DEFINED 2200 0 0
ROHM + HAAS CO COM STK* COMMON STOCK 775371107 133 3672 SH DEFINED 3672 0 0
ROHN INDS INC COMMON STOCK 775381106 6 2800 SH DEFINED 2800 0 0
ROSLYN BANCORP INC COMMON STOCK 778162107 6 350 SH DEFINED 350 0 0
RUBY TUESDAY INC COMMON STOCK 781182100 111 5670 SH DEFINED 5670 0 0
RUSS BERRIE & CO INC COMMON STOCK 782233100 13 600 SH DEFINED 600 0 0
RYANS FAMILY STEAK HOUSES INC COMMON STOCK 783519101 5 600 SH DEFINED 600 0 0
SAFECO CORP COMMON STOCK 786429100 46 1650 SH DEFINED 0 0 1650
SAFEGUARD SCIENTIFICS INC COMMON STOCK 786449108 102 1500 SH DEFINED 1500 0 0
SAFETY 1ST INC COMMON STOCK 786475103 8 1200 SH DEFINED 1200 0 0
SAFETY-KLEEN CORP NEW COMMON STOCK 78648R203 10 843 SH DEFINED 843 0 0
SAFEWAY INC COMMON STOCK 786514208 190 4982 SH DEFINED 4600 382 0
SALTON COMMON STOCK 795757103 68 2200 SH DEFINED 2200 0 0
SANTA FE INTL CORP COMMON STOCK G7805C108 13 600 SH DEFINED 0 0 600
SANTA FE SNYDER CORP COM COMMON STOCK 80218K105 90 9986 SH DEFINED 186 0 9800
SARA LEE CORP. COMMON STOCK 803111103 56 2400 SH DEFINED 2400 0 0
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 8199 160564 SH DEFINED 158280 0 2284
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 130 2546 SH OTHER 2546 0 0
SCANA CORP COMMON STOCK 805898103 31 1300 SH DEFINED 1300 0 0
SCANA CORP COMMON STOCK 805898103 63 2616 SH OTHER 2616 0 0
SCHAWK INC COMMON STOCK 806373106 10 1000 SH DEFINED 1000 0 0
SCHERING-PLOUGH CORP COM STK* COMMON STOCK 806605101 5403 123845 SH DEFINED 110060 65 13720
SCHLUMBERGER LTD COMMON COMMON STOCK 806857108 734 11772 SH DEFINED 11372 0 400
SCHWAB CHARLES CORP NEW COMMON STOCK 808513105 59 1750 SH DEFINED 0 0 1750
SCI SYS INC COMMON STOCK 783890106 444 10000 SH DEFINED 10000 0 0
SCIENTIFIC ATLANTA INC COMMON STOCK 808655104 19 375 SH DEFINED 0 0 375
SCOTT TECHNOLOGIES INC COMMON STOCK 810022301 95 4800 SH DEFINED 4800 0 0
SDL INC COMMON STOCK 784076101 145 1900 SH DEFINED 1900 0 0
SEAGATE TECHNOLOGY COMMON STOCK 811804103 132 4300 SH DEFINED 0 0 4300
SEALED AIR CORP NEW COMMON STOCK 81211K100 27 531 SH DEFINED 531 0 0
SEARS ROEBUCK + CO CAP STK COMMON STOCK 812387108 97 3085 SH DEFINED 2900 0 185
SED INTL HLDGS INC COMMON STOCK 784109100 18 7000 SH DEFINED 7000 0 0
SERVICE CORP INTL COMMON STOCK 817565104 93 8800 SH DEFINED 0 0 8800
SERVICEMASTER CO. COM COMMON STOCK 81760N109 16 1000 SH DEFINED 1000 0 0
SHAW INDS INC COMMON STOCK 820286102 110 6900 SH DEFINED 1000 0 5900
SHELL TRANSPORT & TRADING LTD COMMON STOCK 822703609 107 2360 SH DEFINED 0 0 2360
SHERWIN WILLIAMS CO COMMON STOCK 824348106 180 8600 SH DEFINED 3200 0 5400
SHONEYS INC. COMMON STOCK 825039100 4 2000 SH DEFINED 0 0 2000
SHOPKO STORES INC COMMON STOCK 824911101 73 2500 SH DEFINED 2500 0 0
SIGMA ALDRICH CORP COMMON STOCK 826552101 97 3040 SH DEFINED 3040 0 0
SIGMA ALDRICH CORP COMMON STOCK 826552101 95 3000 SH OTHER 3000 0 0
SILICON VY GROUP INC COMMON STOCK 827066101 9 750 SH DEFINED 0 0 750
SIMON PPTY GROUP INC NEW COMMON STOCK 828806109 45 2000 SH DEFINED 2000 0 0
SITEL CORP COMMON STOCK 82980K107 13 3000 SH DEFINED 3000 0 0
SIZZLER INTL INC COMMON STOCK 830139101 6 2900 SH DEFINED 2900 0 0
SLM HLDG CORP COMMON STOCK 78442A109 1299 30200 SH DEFINED 28000 0 2200
SMART MODULAR TECHNOLOGIES INC COMMON STOCK 831690102 92 2700 SH DEFINED 2700 0 0
SMURFIT-STONE CONTAINER CORP COMMON STOCK 832727101 128 5900 SH DEFINED 0 0 5900
SODEXHO MARRIOTT SVCS INC COMMON STOCK 833793102 40 2346 SH DEFINED 1860 0 486
SOLUTIA INC COMMON STOCK 834376105 3 160 SH DEFINED 160 0 0
SONAT INC COMMON STOCK 835415100 8 200 SH DEFINED 200 0 0
SOUTHERN CO COM STK* COMMON STOCK 842587107 690 26806 SH DEFINED 24506 0 2300
SOUTHWEST AIRLS CO COMMON STOCK 844741108 55 3600 SH DEFINED 0 0 3600
SOVRAN SELF STORAGE INC COMMON STOCK 84610H108 148 6500 SH DEFINED 6500 0 0
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SPIEKER PPTYS INC COMMON STOCK 848497103 126 3640 SH DEFINED 3500 0 140
SPRINT CORP PCS COMMON STOCK 852061506 17 224 SH DEFINED 112 0 112
SPRINT CORPORATION (FON GROUP) COMMON STOCK 852061100 223 4115 SH DEFINED 450 115 3550
ST MICROELETRONICS N.V. COMMON STOCK 861012102 296 4000 SH DEFINED 4000 0 0
STAPLES / OFFICE DEPOT INC. CO COMMON STOCK 855030102 364 16665 SH DEFINED 16440 0 225
STATE AUTO FINL CORP COMMON STOCK 855707105 10 1000 SH DEFINED 1000 0 0
STATE STR CORP COMMON STOCK 857477103 39 600 SH DEFINED 600 0 0
STONE AND WEBSTER INC COMMON STOCK 861572105 14 484 SH DEFINED 484 0 0
STORAGE USA INC COMMON STOCK 861907103 55 2000 SH DEFINED 2000 0 0
STRATTEC SEC CORP COMMON STOCK 863111100 6 160 SH DEFINED 160 0 0
SUMMIT BANCORP COMMON STOCK 866005101 188 5800 SH DEFINED 800 0 5000
SUMMIT PPTYS INC COMMON STOCK 866239106 86 4300 SH DEFINED 4300 0 0
SUN CMNTYS INC COMMON STOCK 866674104 5 150 SH DEFINED 0 0 150
SUN MICROSYSTEMS INC COMMON STOCK 866810104 1493 16050 SH DEFINED 13300 0 2750
SUNBEAM CORP DEL NEW COMMON STOCK 867071102 8 1350 SH DEFINED 1000 0 350
SUNBURST HOSPITALITY CORP COMMON STOCK 866948102 0 66 SH DEFINED 66 0 0
SUNGARD DATA SYS INC COMMON STOCK 867363103 26 975 SH DEFINED 0 0 975
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SUNTRUST BANKS COMMON STOCK 867914103 356 5411 SH DEFINED 4811 0 600
SUPERIOR INDS INTL INC COMMON STOCK 868168105 14 500 SH DEFINED 500 0 0
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SYLVAN FOODS HLDGS INC COMMON STOCK 871371100 23 2300 SH DEFINED 2300 0 0
SYMANTEC CORP COMMON STOCK 871503108 122 3400 SH DEFINED 3400 0 0
SYSCO COMMON STOCK 871829107 514 14650 SH DEFINED 1650 0 13000
SYSCO COMMON STOCK 871829107 281 8000 SH OTHER 8000 0 0
TANDY CORP COMMON STOCK 875382103 52 1000 SH DEFINED 1000 0 0
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TECHNITROL INC COMMON STOCK 878555101 197 5600 SH DEFINED 5600 0 0
TECO ENERGY COMMON STOCK 872375100 51 2400 SH DEFINED 2400 0 0
TELLABS INC COMMON STOCK 879664100 75 1310 SH DEFINED 1200 110 0
TEMPLE-INLAND INC COMMON STOCK 879868107 61 1000 SH DEFINED 0 0 1000
TENET HEALTHCARE CORP COMMON STOCK 88033G100 55 3160 SH DEFINED 0 160 3000
TENNECO INC NEW COMMON STOCK 88037E101 19 1127 SH DEFINED 1127 0 0
TENNECO INC NEW COMMON STOCK 88037E101 10 600 SH OTHER 600 0 0
TERAYON COMMUNICATION SYS COMMON STOCK 880775101 12 250 SH DEFINED 0 0 250
TEXACO INC COM STK* COMMON STOCK 881694103 1657 26257 SH DEFINED 23307 0 2950
TEXAS INSTRUMENTS INC COM STK COMMON STOCK 882508104 144 1750 SH DEFINED 650 0 1100
TEXAS UTILITIES CO COM STK COMMON STOCK 882848104 139 3725 SH DEFINED 1625 0 2100
TEXTRON INC COMMON STOCK 883203101 326 4208 SH DEFINED 4208 0 0
THEGLOBE COM INC COMMON STOCK 88335R101 7 500 SH DEFINED 0 0 500
TIDEWATER INC COMMON STOCK 886423102 5 200 SH DEFINED 0 0 200
"TIME WARNER, INC COMMON STOCK 887315109 850 13995 SH DEFINED 13925 70 0"
TIMES MIRROR CO NEW COMMON STOCK 887364107 211 3200 SH DEFINED 3200 0 0
TIMKEN CO COMMON STOCK 887389104 142 8780 SH DEFINED 8780 0 0
TLC THE LASER CTR INC COMMON STOCK 872934104 113 4600 SH DEFINED 4600 0 0
TOO INC COMMON STOCK 890333107 152 8500 SH DEFINED 8500 0 0
TOPPS INC COMMON STOCK 890786106 8 1000 SH DEFINED 1000 0 0
TORCHMARK CORP COMMON STOCK 891027104 54 2100 SH DEFINED 200 0 1900
TOSCO CORP COMMON STOCK 891490302 210 8320 SH DEFINED 0 0 8320
TOYOTA MTR CORP COMMON STOCK 892331307 125 2000 SH DEFINED 2000 0 0
TOYS R US COMMON STOCK 892335100 53 3550 SH DEFINED 2250 0 1300
TRANS WORLD ENTMT CORP COMMON STOCK 89336Q100 63 5000 SH DEFINED 5000 0 0
TRANSCANADA PIPELINES LTD COMMON STOCK 893526103 20 1500 SH DEFINED 1500 0 0
TRANSOCEAN OFFSHORE INC CAYMOR COMMON STOCK G90076103 81 2630 SH DEFINED 500 0 2130
TRANSPRO INC COMMON STOCK 893885103 2 375 SH DEFINED 375 0 0
TRANSWITCH CORP COMMON STOCK 894065101 376 6600 SH DEFINED 6600 0 0
TRAVELERS PPTY CAS CORP COMMON STOCK 893939108 3 85 SH DEFINED 0 85 0
TREX MED CORP COMMON STOCK 89531R101 2 600 SH DEFINED 0 0 600
TRIAD HOSPS INC COMMON STOCK 89579K109 4 378 SH DEFINED 0 0 378
TRIBUNE CO NEW COMMON STOCK 896047107 154 3100 SH DEFINED 3100 0 0
TRICO MARINE SVCS INC COMMON STOCK 896106101 1 100 SH DEFINED 0 0 100
TRICON GLOBAL RESTAURANTS INC COMMON STOCK 895953107 155 3798 SH DEFINED 1646 0 2152
TRICON GLOBAL RESTAURANTS INC COMMON STOCK 895953107 7 180 SH OTHER 180 0 0
TRINITY INDS INC COMMON STOCK 896522109 15 500 SH DEFINED 0 0 500
TUPPERWARE CORP COMMON STOCK 899896104 15 750 SH DEFINED 750 0 0
TUSCARORA INC COMMON STOCK 900902107 30 2400 SH DEFINED 2400 0 0
TYCO INTL LTD NEW COMMON STOCK 902124106 2735 26492 SH DEFINED 22648 269 3575
U S INTERACTIVE INC COMMON STOCK 90334M109 191 8650 SH DEFINED 8650 0 0
ULTRAMAR DIAMOND SHAMROCK CORP COMMON STOCK 904000106 34 1336 SH DEFINED 1336 0 0
UNICOM CORP COMMON STOCK 904911104 18 489 SH DEFINED 489 0 0
UNIFY CORP COMMON STOCK 904743101 23 1000 SH DEFINED 1000 0 0
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"UNITED BANKSHARE, INC. COMMON STOCK 909907107 7893 324665 SH DEFINED 324665 0 0"
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UNITIL CORP COMMON STOCK 913259107 24 1000 SH DEFINED 1000 0 0
UNIVERSAL CORP VA COMMON STOCK 913456109 31 1200 SH DEFINED 1200 0 0
UNOCAL CORPORATION COMMON STOCK 915289102 325 8765 SH DEFINED 3900 0 4865
UROCOR INC COMMON STOCK 91727P105 5 1300 SH DEFINED 1300 0 0
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USX-U S STL GROUP COMMON STOCK 90337T101 122 4740 SH DEFINED 1140 0 3600
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VALERO ENERGY CORP NEW COMMON STOCK 91913Y100 100 5200 SH DEFINED 0 0 5200
VENATOR GROUP INC COM COMMON STOCK 922944103 68 7942 SH DEFINED 1087 0 6855
VENTAS INC COMMON STOCK 92276F100 0 37 SH DEFINED 37 0 0
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VISX INC DEL COMMON STOCK 92844S105 261 3300 SH DEFINED 3300 0 0
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FELCOR LODGING TR INC OTHER 31430F200 25 1500 SH DEFINED N.A. N.A. N.A.
SEALED AIR CORP NEW PFD CONV S OTHER 81211K209 24 471 SH DEFINED N.A. N.A. N.A.
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HANCOCK JOHN PATRIOT PREM DIVI OTHER 41013T105 21 2000 SH DEFINED N.A. N.A. N.A.
HIGH INCOME OPPORTUNITY FD INC OTHER 42967Q105 5 500 SH DEFINED N.A. N.A. N.A.
HYPERION 1999 TERM TR INC OTHER 448913103 197 27700 SH DEFINED N.A. N.A. N.A.
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ITALY FD INC OTHER 465395101 15 1000 SH DEFINED N.A. N.A. N.A.
MANAGED HIGH INCOME PORTFOLIO OTHER 56166C105 4 500 SH DEFINED N.A. N.A. N.A.
MENTOR INCOME FD INC OTHER 587204108 6 800 SH DEFINED N.A. N.A. N.A.
MFS CHARTER INCOME TR OTHER 552727109 5 600 SH DEFINED N.A. N.A. N.A.
MFS GOVT MKTS INCOME TR OTHER 552939100 61 10000 SH DEFINED N.A. N.A. N.A.
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PIMCO COML MTG SECS TR INC OTHER 693388100 16 1255 SH DEFINED N.A. N.A. N.A.
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SPAIN FD INC OTHER 846330108 43 3000 SH DEFINED N.A. N.A. N.A.
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TEMPLETON EMERGING MKTS FD INC OTHER 880191101 22 2000 SH DEFINED N.A. N.A. N.A.
TRI CONTINENTAL CORP OTHER 895436103 59 2000 SH DEFINED N.A. N.A. N.A.
"ZWEIG FUND, INC OTHER 989834106 19 1800 SH DEFINED N.A. N.A. N.A."
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DREYFUS STRATEGIC MUNS INC OTHER 261932107 40 5049 SH DEFINED N.A. N.A. N.A.
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HANSON PLC OTHER 411352404 64 1652 SH DEFINED 52 0 1600
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PECHINEY ADR OTHER 705151207 77 2800 SH DEFINED 0 0 2800
RANK GROUP PLC ADR OTHER 753037100 76 10865 SH DEFINED 0 0 10865
REPSOL S A OTHER 76026T205 102 5100 SH DEFINED 0 0 5100
REUTERS GROUP PLC OTHER 76132M102 12 173 SH DEFINED 173 0 0
ROYAL BK CDA MONTREAL QUE OTHER 780087102 62 1500 SH DEFINED 1500 0 0
ROYAL DUTCH PETE COGLDR 1.25 OTHER 780257804 1341 22700 SH DEFINED 22700 0 0
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SONY CORP OTHER 835699307 210 1400 SH DEFINED 1400 0 0
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VODAFONE GROUP PLC SPONSORED A OTHER 92857T107 2639 11100 SH DEFINED 10844 0 256
VODAFONE GROUP PLC SPONSORED A OTHER 92857T107 164 689 SH OTHER 689 0 0
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</TABLE>
