UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 3/31/99
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:
/s/Teresa Lightner Charleston, WV 3/31/99
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: 1048
FORM 13F INFORMATION TABLE VALUE TOTAL: $672,112,247
<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 M P INC COMM STK COMMON STOCK 031897101 125 2334 SH DEFINED 1534 0 800
A T&T COMMON STOCK 001957109 5895 73864 SH DEFINED 63714 120 10030
A T&T COMMON STOCK 001957109 315 3952 SH OTHER 3452 0 500
ABBOTT LABORATORIES COMMON STOCK 002824100 2036 43483 SH DEFINED 37353 80 6050
ABERCROMBIE & FITCH CO COMMON STOCK 002896207 9 95 SH DEFINED 95 0 0
ACCESS WORLDWIDE COMMUNICATION COMMON STOCK 004319109 83 10700 SH DEFINED 10700 0 0
ACE LTD COMMON STOCK G0070K103 66 2130 SH DEFINED 0 0 2130
ADAMS EXPRESS CO COMMON STOCK 006212104 54 2000 SH DEFINED 2000 0 0
ADAPTEC INC COMMON STOCK 00651F108 348 15265 SH DEFINED 0 65 15200
ADELPHIA COMMUNICATIONS CORP COMMON STOCK 006848105 630 10000 SH DEFINED 10000 0 0
ADVANCED TECHNICAL PRODS INC COMMON STOCK 007548100 3 300 SH DEFINED 300 0 0
AEROQUIP-VICKERS INC COMMON STOCK 007869100 17 300 SH DEFINED 300 0 0
AETNA INC COMMON STOCK 008117103 185 2230 SH DEFINED 450 0 1780
AFLAC INC COMMON STOCK 001055102 224 4110 SH DEFINED 600 210 3300
AGL RES INC COMMON STOCK 001204106 62 3550 SH DEFINED 3550 0 0
AGRIBRANDS INTL INC COMMON STOCK 00849R105 28 852 SH DEFINED 852 0 0
AGRIUM INC COMMON STOCK 008916108 49 5355 SH DEFINED 0 0 5355
AIR PRODUCTS & CHEMICAL COMMON STOCK 009158106 377 11000 SH DEFINED 1200 0 9800
AIRTOUCH COMMUNICATIONS COMMON STOCK 00949T100 2444 25292 SH DEFINED 23636 144 1512
AIRTOUCH COMMUNICATIONS COMMON STOCK 00949T100 133 1378 SH OTHER 1378 0 0
ALBANY INTL CORP NEW COMMON STOCK 012348108 59 3162 SH DEFINED 3162 0 0
ALBERTSONS COMMON STOCK 013104104 1296 23816 SH DEFINED 23000 216 600
ALBERTSONS COMMON STOCK 013104104 163 3000 SH OTHER 3000 0 0
ALCOA, INC. COMMON STOCK 013817101 74 1806 SH DEFINED 6 0 1800
ALLEGHENY ENERGY COMMON STOCK 017361106 2843 96378 SH DEFINED 95778 0 600
ALLEGHENY ENERGY COMMON STOCK 017361106 93 3164 SH OTHER 3164 0 0
ALLERGAN INC COMMON STOCK 018490102 26 300 SH DEFINED 0 0 300
ALLIANCE CAP MGMT L P COMMON STOCK 018548107 420 16600 SH DEFINED 16600 0 0
ALLIED SIGNAL, INC. COMMON STOCK 019512102 521 10590 SH DEFINED 8390 0 2200
ALLSTATE CORP COMMON STOCK 020002101 960 25898 SH DEFINED 9730 160 16008
ALLTEL CORP COMMON STOCK 020039103 125 2007 SH DEFINED 307 0 1700
ALLTEL CORP COMMON STOCK 020039103 19 300 SH OTHER 300 0 0
AMAZON COM INC COMMON STOCK 023135106 9 50 SH DEFINED 50 0 0
AMB PPTY CORP COMMON STOCK 00163T109 21 1000 SH DEFINED 1000 0 0
AMERADA HESS CORP COMMON STOCK 023551104 5 100 SH DEFINED 100 0 0
AMEREN CORP COM COMMON STOCK 023608102 717 19810 SH DEFINED 19710 0 100
AMEREN CORP COM COMMON STOCK 023608102 9 250 SH OTHER 250 0 0
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 4933 33555 SH DEFINED 27055 0 6500
AMERICAN BUSINESS PRODS INC GA COMMON STOCK 024763104 10 700 SH DEFINED 700 0 0
AMERICAN EAGLE OUTFITTERS INC COMMON STOCK 02553D108 161 2250 SH DEFINED 2250 0 0
AMERICAN ELECTR PWR CO INC COM COMMON STOCK 025537101 1760 44345 SH DEFINED 44115 0 230
AMERICAN ELECTR PWR CO INC COM COMMON STOCK 025537101 21 523 SH OTHER 523 0 0
AMERICAN EXPRESS CO COM STK* COMMON STOCK 025816109 1131 9602 SH DEFINED 9602 0 0
AMERICAN GENERAL CORPORATION COMMON STOCK 026351106 146 2067 SH DEFINED 967 0 1100
AMERICAN GREETINGS CORP COMMON STOCK 026375105 53 2100 SH DEFINED 0 0 2100
AMERICAN HOME PRODUCTS CORP CA COMMON STOCK 026609107 6711 102854 SH DEFINED 98500 154 4200
AMERICAN HOME PRODUCTS CORP CA COMMON STOCK 026609107 63 960 SH OTHER 0 0 960
AMERICAN INTERNATIONAL GROUP* COMMON STOCK 026874107 1761 14600 SH DEFINED 7165 0 7435
AMERICAN PRECISION INDS INC COMMON STOCK 029069101 52 5400 SH DEFINED 5400 0 0
AMERICAN SAFETY RAZOR CO COMMON STOCK 029362100 56 4000 SH DEFINED 4000 0 0
AMERICAN STD COS INC DEL COMMON STOCK 029712106 213 6200 SH DEFINED 0 0 6200
AMERICAN STORES CO COMMON STOCK 030096101 71 2152 SH DEFINED 2152 0 0
AMERICAN SYS WTR CO COM COMMON STOCK 029899101 82 3400 SH DEFINED 3400 0 0
AMERICAN WATER WORKS CO INC* COMMON STOCK 030411102 938 32220 SH DEFINED 31900 0 320
AMERICAN WOODMARK CORP COMMON STOCK 030506109 63 2000 SH DEFINED 2000 0 0
AMERITECH CORP NEW COMMON STOCK 030954101 2824 49006 SH DEFINED 47278 0 1728
AMERITECH CORP NEW COMMON STOCK 030954101 17 300 SH OTHER 300 0 0
AMERUS LIFE HLDGS INC COMMON STOCK 030732101 32 1336 SH DEFINED 1336 0 0
AMGEN INC COMMON STOCK 031162100 210 2807 SH DEFINED 2000 207 600
AMR CORP DEL COMMON STOCK 001765106 184 3135 SH DEFINED 0 35 3100
ANALOGIC CORP COMMON STOCK 032657207 0 2 SH DEFINED 2 0 0
ANDREW CORP COMMON STOCK 034425108 4 297 SH DEFINED 0 297 0
ANGELICA CORP COMMON STOCK 034663104 50 3600 SH DEFINED 3600 0 0
ANHEUSER-BUSCH INC COM STK* COMMON STOCK 035229103 130 1704 SH DEFINED 304 0 1400
ANHEUSER-BUSCH INC COM STK* COMMON STOCK 035229103 15 200 SH OTHER 200 0 0
ANTEC CORP COMMON STOCK 03664P105 22 1000 SH DEFINED 1000 0 0
AON CORP COMMON STOCK 037389103 1765 27898 SH DEFINED 27898 0 0
APOGEE ENTERPRISES INC COMMON STOCK 037598109 12 1000 SH DEFINED 1000 0 0
APPLE COMPUTER INC* COMMON STOCK 037833100 14 400 SH DEFINED 400 0 0
APPLEBEES INTL INC COMMON STOCK 037899101 17 700 SH DEFINED 0 0 700
APPLIED MATLS INC COMMON STOCK 038222105 25 400 SH DEFINED 0 0 400
AQUARION CO COMMON STOCK 03838W101 118 4290 SH DEFINED 4290 0 0
ARCHER DANIEL MIDLAND COMMON STOCK 039483102 70 4788 SH DEFINED 4788 0 0
ARMCO INC* COMMON STOCK 042170100 13 2999 SH DEFINED 2999 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
ASCEND COMMUNICATIONS INC COMMON STOCK 043491109 251 3000 SH DEFINED 0 0 3000
ASCENT ENTMT GROUP INC COMMON STOCK 043628106 4 391 SH DEFINED 391 0 0
ASHLAND INC COMMON STOCK 044204105 194 4742 SH DEFINED 4742 0 0
ASSOCIATES FIRST CAP CORP COMMON STOCK 046008108 271 6013 SH DEFINED 4013 0 2000
AT HOME CORP COMMON STOCK 045919107 929 5900 SH DEFINED 5900 0 0
ATLANTIC RICHFIELD CO COM STK COMMON STOCK 048825103 552 7552 SH DEFINED 7552 0 0
ATRION CORP COMMON STOCK 049904105 64 6744 SH DEFINED 6744 0 0
AUTOLIV INC COMMON STOCK 052800109 187 4986 SH DEFINED 136 0 4850
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 1060 25625 SH DEFINED 20975 50 4600
AUTOZONE INC COMMON STOCK 053332102 204 6700 SH DEFINED 0 0 6700
AVADO BRANDS, INC. COMMON STOCK 05336P108 6 1000 SH DEFINED 0 0 1000
AVERY DENNISON CORP COMMON STOCK 053611109 22 375 SH DEFINED 375 0 0
AVID TECHNOLOGY INC COMMON STOCK 05367P100 52 3000 SH DEFINED 3000 0 0
AVON PRODS INC COMMON STOCK 054303102 563 11965 SH DEFINED 7690 75 4200
BAKER-FENTRESS + CO COM STK* COMMON STOCK 057213100 34 2267 SH DEFINED 2267 0 0
BALDWIN TECHNOLOGY INC COMMON STOCK 058264102 29 10000 SH DEFINED 10000 0 0
BALTIMORE GAS & ELECTRIC CO* COMMON STOCK 059165100 66 2596 SH DEFINED 2596 0 0
BALTIMORE GAS & ELECTRIC CO* COMMON STOCK 059165100 9 373 SH OTHER 373 0 0
BANK OF NEW YORK COMMON STOCK 064057102 883 24561 SH DEFINED 24561 0 0
BANK ONE CORP COM COMMON STOCK 06423A103 5462 99189 SH DEFINED 73774 0 25415
BANK ONE CORP COM COMMON STOCK 06423A103 2202 39991 SH OTHER 0 39991 0
BANKAMERICA CORP NEW COMMON STOCK 06605F102 2189 31001 SH DEFINED 15662 226 15113
BANKBOSTON CORP COMMON STOCK 06605R106 192 4434 SH DEFINED 800 834 2800
BANKNORTH GROUP INC DEL COMMON STOCK 06646L100 25 900 SH DEFINED 900 0 0
BARD C R INC COMMON STOCK 067383109 0 2 SH DEFINED 2 0 0
BATTLE MOUNTAIN GOLD COMMON COMMON STOCK 071593107 2 900 SH DEFINED 900 0 0
BAXTER INT'L INC COM COMMON STOCK 071813109 664 10066 SH DEFINED 9576 90 400
BB & T CORP COMMON STOCK 054937107 216 5980 SH DEFINED 580 0 5400
BCE INC COMMON STOCK 05534B109 27 600 SH DEFINED 600 0 0
BEAR STEARNS COS INC COMMON STOCK 073902108 27 606 SH DEFINED 606 0 0
BEC ENERGY COMMON STOCK 05538M101 18 492 SH DEFINED 492 0 0
BECTON DICKINSON COMMON STOCK 075887109 203 5305 SH DEFINED 0 205 5100
BED BATH & BEYOND INC COMMON STOCK 075896100 161 4400 SH DEFINED 0 0 4400
BEDFORD PPTY INVS INC COMMON STOCK 076446301 88 6000 SH DEFINED 6000 0 0
BELL ATLANTIC COMMON STOCK 077853109 6834 132219 SH DEFINED 123009 0 9210
BELL ATLANTIC COMMON STOCK 077853109 178 3442 SH OTHER 3442 0 0
BELLSOUTH COMMON STOCK 079860102 7105 177346 SH DEFINED 169214 0 8132
BELLSOUTH COMMON STOCK 079860102 123 3064 SH OTHER 3064 0 0
BERGIN BRUNSWIG COMMON STOCK 083739102 41 2050 SH DEFINED 2050 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670108 72 1 SH DEFINED 1 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670207 28 12 SH DEFINED 12 0 0
BESTFOODS COM STK* COMMON STOCK 08658U101 124 2644 SH DEFINED 2644 0 0
BESTFOODS COM STK* COMMON STOCK 08658U101 38 800 SH OTHER 800 0 0
BHA GROUP HLDGS INC COMMON STOCK 055446108 23 2500 SH DEFINED 2500 0 0
BHI CORP COMMON STOCK P1668J102 14 500 SH DEFINED 500 0 0
BIOGEN INC COMMON STOCK 090597105 832 7275 SH DEFINED 7000 0 275
BIOMATRIX INC COMMON STOCK 09060P102 8 100 SH DEFINED 100 0 0
BJS WHSL CLUB INC COMMON STOCK 05548J106 268 10200 SH DEFINED 0 0 10200
BLACK HILLS CORP COMMON STOCK 092113109 41 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 16 1000 SH DEFINED 1000 0 0
BMC SOFTWARE INC COMMON STOCK 055921100 96 2600 SH DEFINED 0 0 2600
BOB EVANS FARMS COMMON STOCK 096761101 151 7554 SH DEFINED 7554 0 0
BODDIE-NOELL PPTYS INC COMMON STOCK 096903109 74 6500 SH DEFINED 6500 0 0
BOEING CO CAP STK* COMMON STOCK 097023105 360 10582 SH DEFINED 4838 214 5530
BOEING CO CAP STK* COMMON STOCK 097023105 14 400 SH OTHER 400 0 0
BOGEN COMMUNICATIONS INTL INCO COMMON STOCK 097189104 10 1500 SH DEFINED 1500 0 0
BOWATER INC COMMON STOCK 102183100 139 3500 SH DEFINED 0 0 3500
BOYKIN LODGING CO COMMON STOCK 103430104 18 1500 SH DEFINED 1500 0 0
BRE PPTYS INC COMMON STOCK 05564E106 91 4028 SH DEFINED 4028 0 0
BRIGGS & STRATTON CORP COMMON STOCK 109043109 39 800 SH DEFINED 800 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 12208 190375 SH DEFINED 182664 45 7666
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 269 4200 SH OTHER 4200 0 0
BROADCAST COM INC COMMON STOCK 111310108 232 1960 SH DEFINED 1960 0 0
BROADVISION INC COMMON STOCK 111412102 335 5600 SH DEFINED 5600 0 0
BROOKS AUTOMATION INC COMMON STOCK 11434A100 197 8800 SH DEFINED 8800 0 0
BROWNING FERRIS INDUSTRIES COMMON STOCK 115885105 251 6500 SH DEFINED 0 0 6500
BRUSH WELLMAN INC COMMON STOCK 117421107 65 4500 SH DEFINED 4500 0 0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK 12189T104 1554 47275 SH DEFINED 41275 0 6000
BURLINGTON RESOURCES COMMON STOCK 122014103 819 20507 SH DEFINED 18427 80 2000
C & D TECHNOLOGIES INC COMMON STOCK 124661109 100 4000 SH DEFINED 4000 0 0
C P CLARE CORP COMMON STOCK 12615K107 14 3900 SH DEFINED 3900 0 0
C-CUBE MICROSYSTEMS INC COMMON STOCK 125015107 10 500 SH DEFINED 500 0 0
CADENCE DESIGN SYS INC COMMON STOCK 127387108 198 7670 SH DEFINED 0 620 7050
CALLAWAY GOLF CO COMMON STOCK 131193104 92 9000 SH DEFINED 400 0 8600
CAMDEN PPTY TR COMMON STOCK 133131102 74 3000 SH DEFINED 3000 0 0
CAMPBELL SOUP CO COMMON STOCK 134429109 138 3400 SH DEFINED 0 0 3400
CAPITAL ONE FINL CORP COMMON STOCK 14040H105 362 2400 SH DEFINED 2400 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 294 4456 SH DEFINED 2334 22 2100
CARLISLE COS INC COMMON STOCK 142339100 65 1400 SH DEFINED 1400 0 0
CAROLINA POWER + LIGHT CO COM COMMON STOCK 144141108 166 4398 SH DEFINED 4398 0 0
CAROLINA POWER + LIGHT CO COM COMMON STOCK 144141108 38 1000 SH OTHER 0 0 1000
CATELLUS DEV CORP COMMON STOCK 149111106 0 36 SH DEFINED 36 0 0
CATERPILLAR INC. COMMON STOCK 149123101 204 4445 SH DEFINED 1280 165 3000
CATERPILLAR INC. COMMON STOCK 149123101 13 284 SH OTHER 284 0 0
CBRL GROUP, INC. COM COMMON STOCK 12489V106 54 2987 SH DEFINED 1687 0 1300
CBS CORP COMMON STOCK 12490K107 14 345 SH DEFINED 240 105 0
CENDANT CORP COMMON STOCK 151313103 57 3600 SH DEFINED 2000 0 1600
CENTERPOINT PROPERTIES TRUST COMMON STOCK 151895109 125 4000 SH DEFINED 4000 0 0
CENTRAL & SOUTHWEST CORP* COMMON STOCK 152357109 150 6380 SH DEFINED 6380 0 0
CFW COMMUNICATIONS CO COMMON STOCK 124923103 65 3000 SH DEFINED 3000 0 0
CHAMPION INDS INC COMMON STOCK 158520106 17 2439 SH DEFINED 2439 0 0
CHAMPION INDS INC COMMON STOCK 158520106 14 1952 SH OTHER 1952 0 0
CHAMPION INTL CORP COMMON STOCK 158525105 3 75 SH DEFINED 0 75 0
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 709 8710 SH DEFINED 5085 0 3625
CHEMFAB CORP COMMON STOCK 16361L102 46 2800 SH DEFINED 2800 0 0
CHEVRON COMMON STOCK 166751107 1199 13508 SH DEFINED 12408 0 1100
CHEVRON COMMON STOCK 166751107 171 1932 SH OTHER 1932 0 0
CHILDRENS PL RETAIL STORES INC COMMON STOCK 168905107 154 5700 SH DEFINED 5700 0 0
CHIRON CORP COMMON STOCK 170040109 18 800 SH DEFINED 800 0 0
CHOICE HOTELS INTL INC COMMON STOCK 169905106 3 200 SH DEFINED 200 0 0
CHOICEPOINT INC COMMON STOCK 170388102 3 60 SH DEFINED 60 0 0
CHUBB CORP COMMON STOCK 171232101 312 5325 SH DEFINED 1625 0 3700
CIGNA CORP COMMON STOCK 125509109 457 5450 SH DEFINED 1450 0 4000
CINCINNATI BELL COMMON STOCK 171870108 149 6634 SH DEFINED 6634 0 0
CINCINNATI FINANCIAL CORP COMMON STOCK 172062101 80 2184 SH DEFINED 630 0 1554
CINERGY CORP COMMON STOCK 172474108 102 3723 SH DEFINED 3723 0 0
CINTAS CORP COMMON STOCK 172908105 196 3000 SH DEFINED 0 0 3000
CIRCUIT CITY STORES COMMON STOCK 172737108 218 2850 SH DEFINED 200 0 2650
CISCO SYS INC COMMON STOCK 17275R102 4459 40696 SH DEFINED 35519 307 4870
CISCO SYS INC COMMON STOCK 17275R102 11 100 SH OTHER 0 0 100
CIT GROUP INC COMMON STOCK 125577106 162 5300 SH DEFINED 5300 0 0
CITIGROUP INC COMMON STOCK 172967101 2761 43220 SH DEFINED 29318 552 13350
CITRIX SYS INC COMMON STOCK 177376100 118 3100 SH DEFINED 3100 0 0
CITY HOLDING COMMON STOCK 177835105 5562 188535 SH DEFINED 162924 2634 22977
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK 184502102 121 1800 SH DEFINED 0 0 1800
CLECO CORP COMMON STOCK 12561M107 23 768 SH DEFINED 0 0 768
CLOROX CO COMMON STOCK 189054109 472 4031 SH DEFINED 2401 0 1630
CLOROX CO COMMON STOCK 189054109 12 100 SH OTHER 0 0 100
CMGI INC. COMMON STOCK 125750109 970 5300 SH DEFINED 5300 0 0
CNET INC COMMON STOCK 125945105 424 4600 SH DEFINED 4600 0 0
COASTAL CORP COMMON STOCK 190441105 564 17084 SH DEFINED 1784 0 15300
COCA COLA BOTTLING CO CONS COMMON STOCK 191098102 22 400 SH DEFINED 400 0 0
COCA COLA ENTERPRISES INC COMMON STOCK 191219104 212 7000 SH DEFINED 0 0 7000
COCA-COLA CO COM STK* COMMON STOCK 191216100 9889 161129 SH DEFINED 161129 0 0
COLGATE-PALMOLIVE CO COM STK COMMON STOCK 194162103 456 4956 SH DEFINED 4830 126 0
COLUMBIA / HCA HEALTHCARE CORP COMMON STOCK 197677107 249 13150 SH DEFINED 0 0 13150
COLUMBIA ENERGY GROUP COMMON STOCK 197648108 141 2697 SH DEFINED 2697 0 0
COLUMBUS MCKINNON CORP N Y COMMON STOCK 199333105 107 5300 SH DEFINED 5300 0 0
COMCAST CORP CL A COMMON STOCK 200300101 49 800 SH DEFINED 800 0 0
COMERICA INC COMMON STOCK 200340107 237 3800 SH DEFINED 0 0 3800
COMMONWEALTH ENERGY SYSTEM COMMON STOCK 202800108 82 2150 SH DEFINED 2150 0 0
COMMUNITY TR BANCORP INC COMMON STOCK 204149108 57 2475 SH DEFINED 2475 0 0
COMPAQ COMPUTER COMMON STOCK 204493100 997 31457 SH DEFINED 20435 422 10600
COMPASS BANCSHARES INC COMMON STOCK 20449H109 131 3800 SH DEFINED 3800 0 0
COMPUTER ASSOCIATES COMMON STOCK 204912109 381 10719 SH DEFINED 1965 254 8500
COMPUTER SCIENCE COMMON STOCK 205363104 2754 49900 SH DEFINED 41370 330 8200
COMPUWARE CORP COMMON STOCK 205638109 2 65 SH DEFINED 0 65 0
COMSAT CORP COMMON STOCK 20564D107 23 800 SH DEFINED 800 0 0
CONAGRA, INC. COMMON STOCK 205887102 10 400 SH DEFINED 400 0 0
CONCORD CAMERA CORP COMMON STOCK 206156101 9 2300 SH DEFINED 2300 0 0
CONECTIV INC COMMON STOCK 206829103 68 3519 SH DEFINED 3519 0 0
CONECTIV INC COMMON STOCK 206829202 7 187 SH DEFINED 187 0 0
CONEXANT SYS INC COMMON STOCK 207142100 23 834 SH DEFINED 834 0 0
CONEXANT SYS INC COMMON STOCK 207142100 42 1500 SH OTHER 1500 0 0
CONNECT INC COMMON STOCK 207528308 0 2 SH DEFINED 2 0 0
CONOCO INC COMMON STOCK 208251306 221 9000 SH DEFINED 9000 0 0
CONS NATURAL GAS CO CAP STK COMMON STOCK 209615103 372 7644 SH DEFINED 4344 0 3300
CONSECO INC COMMON STOCK 208464107 331 10715 SH DEFINED 0 115 10600
CONSOLIDATED EDISON INC. COM COMMON STOCK 209115104 213 4704 SH DEFINED 4704 0 0
CONVERGYS CORP COMMON STOCK 212485106 104 6050 SH DEFINED 6050 0 0
COOPER INDUSTRIES* COMMON STOCK 216669101 24 560 SH DEFINED 560 0 0
COOPER TIRE & RUBR CO COMMON STOCK 216831107 92 5000 SH DEFINED 2000 0 3000
CORN PRODS INTL INC COMMON STOCK 219023108 7 308 SH DEFINED 308 0 0
CORN PRODS INTL INC COMMON STOCK 219023108 2 100 SH OTHER 100 0 0
CORNING INC COMMON STOCK 219350105 12 200 SH DEFINED 200 0 0
COSTCO COS INC COMMON STOCK 22160Q102 302 3302 SH DEFINED 2 0 3300
COTTON STS LIFE & HEALTH INS C COMMON STOCK 221774102 38 3250 SH DEFINED 3250 0 0
COUNTRYWIDE CR INDS INC COMMON STOCK 222372104 195 5200 SH DEFINED 0 0 5200
COX COMMUNICATIONS INC NEW COMMON STOCK 224044107 264 3488 SH DEFINED 3488 0 0
CPAC INC COMMON STOCK 126145101 12 1600 SH DEFINED 1600 0 0
CRANE CO COMMON STOCK 224399105 250 10350 SH DEFINED 2000 0 8350
CREDENCE SYS CORP DEL COMMON STOCK 225302108 17 800 SH DEFINED 800 0 0
CRESTLINE CAP CORP COMMON STOCK 226153104 12 750 SH DEFINED 750 0 0
CROWN CORK & SEAL INC COMMON STOCK 228255105 43 1500 SH DEFINED 1000 0 500
CROWN VANTAGE INC COMMON STOCK 228622106 0 10 SH DEFINED 10 0 0
CSG SYS INTL INC COMMON STOCK 126349109 276 7000 SH DEFINED 7000 0 0
CSS INDS INC COMMON STOCK 125906107 91 4100 SH DEFINED 4100 0 0
CSX CORPORATION* COMMON STOCK 126408103 983 25255 SH DEFINED 23895 0 1360
CSX CORPORATION* COMMON STOCK 126408103 98 2504 SH OTHER 2504 0 0
CURTISS WRIGHT CORP COMMON STOCK 231561101 16 500 SH DEFINED 500 0 0
CVS CORP* COMMON STOCK 126650100 812 17092 SH DEFINED 11592 100 5400
CYPRUS AMAX MINERALS CO COMMON STOCK 232809103 7 561 SH DEFINED 561 0 0
CYTEC INDS INC COMMON STOCK 232820100 23 1026 SH DEFINED 1026 0 0
DANA CORP COMMON STOCK 235811106 147 3880 SH DEFINED 1000 0 2880
DARDEN RESTAURANTS INC COMMON STOCK 237194105 19 900 SH DEFINED 900 0 0
DATA RACE INC COMMON STOCK 237842109 11 2000 SH DEFINED 2000 0 0
DAYTON HUDSON CORP COMMON STOCK 239753106 1115 16742 SH DEFINED 12410 182 4150
DAYTON POWER/DPL COMMON STOCK 233293109 6 337 SH DEFINED 337 0 0
DELL COMPUTER CORP COMMON STOCK 247025109 593 14510 SH DEFINED 10310 0 4200
DELTA AIR LINES INC DEL COMMON STOCK 247361108 83 1200 SH DEFINED 1200 0 0
DELTIC TIMBER CORP COMMON STOCK 247850100 87 3676 SH DEFINED 3676 0 0
DELUXE CHECK PRINTERS COMMON STOCK 248019101 70 2390 SH DEFINED 0 0 2390
DIAL CORP NEW COMMON STOCK 25247D101 97 2822 SH DEFINED 2822 0 0
DIAL CORP NEW COMMON STOCK 25247D101 2 50 SH OTHER 50 0 0
DILLARDS INC COMMON STOCK 254067101 33 1300 SH DEFINED 0 0 1300
DOMINION RESOURCES SERVICES COMMON STOCK 257470104 1089 29494 SH DEFINED 29294 0 200
DOMINION RESOURCES SERVICES COMMON STOCK 257470104 44 1194 SH OTHER 1194 0 0
DONALDSON LUFKIN & JENRETTE IN COMMON STOCK 257661108 6 85 SH DEFINED 0 85 0
DONNELLEY RR & SONS COMMON STOCK 257867101 337 10466 SH DEFINED 8166 0 2300
DONNELLY CORP COMMON STOCK 257870105 34 2600 SH DEFINED 2600 0 0
DOUBLECLICK INC COMMON STOCK 258609304 437 2400 SH DEFINED 2400 0 0
DOVER CORP COMMON STOCK 260003108 401 12200 SH DEFINED 0 0 12200
DOW CHEMICAL CO COM STK* COMMON STOCK 260543103 367 3935 SH DEFINED 2935 0 1000
DQE, INC COMMON STOCK 23329J104 61 1602 SH DEFINED 1602 0 0
DTE ENERGY CO COMMON STOCK 233331107 684 17791 SH DEFINED 10891 0 6900
DUFF & PHELPS SELECTED UTL COMMON STOCK 264324104 32 3000 SH DEFINED 0 0 3000
DUKE ENERGY CORPORATION COMMON STOCK 264399106 454 8291 SH DEFINED 8291 0 0
DUKE ENERGY CORPORATION COMMON STOCK 264399106 110 2000 SH OTHER 0 0 2000
DUKE RLTY INVTS INC COMMON STOCK 264411505 151 7000 SH DEFINED 5000 0 2000
DUN & BRADSTREET CORP DEL COMMON STOCK 26483B106 143 4000 SH DEFINED 0 0 4000
E I DUPONT + CO COM STK COMMON STOCK 263534109 3778 65061 SH DEFINED 57616 0 7445
EARTHGRAINS CO COMMON STOCK 270319106 1 24 SH DEFINED 24 0 0
EARTHLINK NETWORK INC COMMON STOCK 270322100 174 2900 SH DEFINED 2900 0 0
EASTERN ENTERPRISES COMMON STOCK 27637F100 38 1035 SH DEFINED 1035 0 0
EASTGROUP PPTYS INC COMMON STOCK 277276101 81 5000 SH DEFINED 5000 0 0
EASTMAN CHEM CO COMMON STOCK 277432100 100 2368 SH DEFINED 2368 0 0
EASTMAN KODAK CO COM STK COMMON STOCK 277461109 727 11388 SH DEFINED 10588 0 800
EATON CORP COMMON STOCK 278058102 15 204 SH DEFINED 204 0 0
ECHELON INTL CORP COMMON STOCK 278747100 2 125 SH DEFINED 125 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 164 7370 SH DEFINED 3780 0 3590
EDWARDS A G INC COMMON STOCK 281760108 10 300 SH OTHER 300 0 0
EEX CORP COMMON STOCK 26842V207 12 2499 SH DEFINED 2499 0 0
EL PASO ELEC CO COMMON STOCK 283677854 7 911 SH DEFINED 911 0 0
EL PASO ENERGY CORP DEL COM COMMON STOCK 283905107 352 10780 SH DEFINED 8024 0 2756
ELECTRONIC DATA SYS CORP NEW COMMON STOCK 285661104 231 4735 SH DEFINED 3935 0 800
ELI LILLY & COMPANY COMMON STOCK 532457108 558 6571 SH DEFINED 1700 271 4600
ELI LILLY & COMPANY COMMON STOCK 532457108 42 500 SH OTHER 500 0 0
EMC CORP COMMON STOCK 268648102 1459 11420 SH DEFINED 10250 70 1100
EMERSON ELECTRIC CO COMMON STOCK 291011104 885 16720 SH DEFINED 13700 0 3020
ENERGY EAST CORP COMMON STOCK 29266M109 184 3500 SH DEFINED 100 0 3400
ENESCO GROUP INC COMMON STOCK 292973104 65 3600 SH DEFINED 3600 0 0
ENRON CORP COMMON STOCK 293561106 1434 22314 SH DEFINED 21119 95 1100
ENSCO INTL INC COMMON STOCK 26874Q100 13 1000 SH DEFINED 1000 0 0
ENTERGY CORP (NEW) COMMON STOCK 29364G103 107 3902 SH DEFINED 602 0 3300
ENTREMED INC COMMON STOCK 29382F103 6 300 SH DEFINED 300 0 0
EQUIFAX CORP COMMON STOCK 294429105 292 8500 SH DEFINED 2600 0 5900
EQUITABLE COS INC COMMON STOCK 29444G107 265 3783 SH DEFINED 283 0 3500
EQUITABLE COS INC COMMON STOCK 29444G107 2 27 SH OTHER 27 0 0
EQUITABLE RES INC COMMON STOCK 294549100 13 500 SH DEFINED 0 0 500
EQUITY RESIDENTIAL PPTYS TR COMMON STOCK 29476L107 83 2000 SH DEFINED 2000 0 0
ESC MEDICAL SYS LTD COMMON STOCK M40868107 4 600 SH DEFINED 600 0 0
ESCO ELECTRIC COMMON STOCK 269030201 2 210 SH DEFINED 210 0 0
ESTERLINE TECHNOLOGIES CORP COMMON STOCK 297425100 21 1600 SH DEFINED 1600 0 0
ETHYL CORP CLASS B COMMON* COMMON STOCK 297659104 9 2000 SH DEFINED 0 0 2000
EVEREN CAPITAL CORP COMMON STOCK 299761106 8 400 SH DEFINED 400 0 0
EVEREST REINS HLDGS INC COMMON STOCK 299808105 80 2565 SH DEFINED 0 0 2565
EXCITE INC COMMON STOCK 300904109 8 60 SH DEFINED 60 0 0
EXXON CORP COM STK COMMON STOCK 302290101 17943 254287 SH DEFINED 244312 0 9975
EXXON CORP COM STK COMMON STOCK 302290101 319 4520 SH OTHER 4520 0 0
F & M NATL CORP COMMON STOCK 302374103 512 21326 SH DEFINED 21326 0 0
F P L GROUP COMMON STOCK 302571104 1232 23143 SH DEFINED 23143 0 0
F P L GROUP COMMON STOCK 302571104 5 100 SH OTHER 100 0 0
FARR CO COMMON STOCK 311648109 26 3000 SH DEFINED 3000 0 0
FDX CORPORATION COM COMMON STOCK 31304N107 198 2130 SH DEFINED 1630 0 500
FEDERAL HOME LN MTG CORP COMMON STOCK 313400301 499 8710 SH DEFINED 3200 210 5300
FEDERAL NAT'L MTG-ASSOC. COMMON STOCK 313586109 1916 27670 SH DEFINED 18350 70 9250
FEDERAL RLTY INVT TR COMMON STOCK 313747206 106 5000 SH DEFINED 5000 0 0
FEDERATED DEPT STORES INC DEL COMMON STOCK 31410H101 373 9290 SH DEFINED 1535 0 7755
FIBERMARK INC COMMON STOCK 315646109 74 6300 SH DEFINED 6300 0 0
FIDELITY NATL CORP GA COMMON STOCK 316320100 149 17800 SH DEFINED 0 0 17800
FIFTH THIRD BANCORP COMMON STOCK 316773100 555 8419 SH DEFINED 1736 40 6643
FINOVA GROUP INC COMMON STOCK 317928109 147 2836 SH DEFINED 2836 0 0
FINOVA GROUP INC COMMON STOCK 317928109 2 32 SH OTHER 32 0 0
FIRST COMWLTH FD INC COMMON STOCK 31983F102 2 170 SH DEFINED 0 0 170
FIRST CTZNS BANCSHARES INC N C COMMON STOCK 31946M103 116 1434 SH DEFINED 1434 0 0
FIRST DATA CORP COMMON STOCK 319963104 1404 32850 SH DEFINED 29950 0 2900
FIRST PLACE FINL CORP COMMON STOCK 33610T109 122 12000 SH DEFINED 12000 0 0
FIRST UN REAL ESTATE EQUITY & COMMON STOCK 337400105 22 5000 SH DEFINED 5000 0 0
FIRST UNION CORP COMMON STOCK 337358105 710 13292 SH DEFINED 4872 0 8420
FIRSTAR BANC NEW COMMON STOCK 33763V109 598 6680 SH DEFINED 5280 0 1400
FIRSTENERGY CORP COMMON STOCK 337932107 32 1150 SH DEFINED 1150 0 0
FISERV INC COMMON STOCK 337738108 121 2250 SH DEFINED 2250 0 0
FLEET FINL GROUP INC NEW COMMON STOCK 338915101 23 600 SH DEFINED 600 0 0
FLEET FINL GROUP INC NEW COMMON STOCK 338915101 15 400 SH OTHER 400 0 0
FLORIDA PROGRESS CORPORATION* COMMON STOCK 341109106 99 2625 SH DEFINED 2625 0 0
FLUOR CORP COMMON STOCK 343861100 3 100 SH DEFINED 100 0 0
FMC (NEW) COMMON STOCK COMMON STOCK 302491303 160 3250 SH DEFINED 3250 0 0
FOOTSTAR INC COMMON STOCK 344912100 18 575 SH DEFINED 575 0 0
FORD MOTOR CO COM STK* COMMON STOCK 345370100 393 6925 SH DEFINED 4325 0 2600
FORT JAMES CORP COMMON STOCK 347471104 3 102 SH DEFINED 102 0 0
FORTUNE BRANDS INC COMMON STOCK 349631101 252 6538 SH DEFINED 6538 0 0
FOSTER WHEELER CORP COMMON STOCK 350244109 18 1500 SH DEFINED 1500 0 0
FREEPORT-MCM COPR GOLD COMMON STOCK 35671D857 30 2775 SH DEFINED 0 175 2600
FRIEDMANS INC COMMON STOCK 358438109 22 2400 SH DEFINED 2400 0 0
FRIENDLY ICE CREAM CORP NEW COMMON STOCK 358497105 4 700 SH DEFINED 700 0 0
FRONTIER INS GROUP INC NEW COMMON STOCK 359081106 17 1400 SH DEFINED 1400 0 0
GANNETT INC COMMON STOCK 364730101 132 2100 SH DEFINED 0 0 2100
GAP INC COMMON STOCK 364760108 741 11002 SH DEFINED 11002 0 0
GENENTECH INC COMMON STOCK 368710307 2 25 SH DEFINED 0 25 0
GENERAL AMERICAN INVESTORS INC COMMON STOCK 368802104 284 9000 SH DEFINED 9000 0 0
GENERAL ELECTRIC CO COM STK COMMON STOCK 369604103 28479 257439 SH DEFINED 247430 45 9964
GENERAL ELECTRIC CO COM STK COMMON STOCK 369604103 531 4800 SH OTHER 4800 0 0
GENERAL GROWTH PPTYS INC COMMON STOCK 370021107 65 2000 SH DEFINED 2000 0 0
GENERAL INSTR CORP DEL COMMON STOCK 370120107 33 1100 SH DEFINED 0 0 1100
GENERAL MILLS COMMON STOCK 370334104 642 8492 SH DEFINED 8492 0 0
GENERAL MOTORS CLASS H COMMON STOCK 370442832 12 238 SH DEFINED 238 0 0
GENERAL MOTORS CORP COM STK COMMON STOCK 370442105 982 11286 SH DEFINED 11286 0 0
GENUINE PARTS COMMON STOCK 372460105 152 5275 SH DEFINED 675 0 4600
GENZYME CORP - GENL DIV COMMON STOCK 372917104 620 12300 SH DEFINED 12300 0 0
GENZYME CORP - MOLECULAR ONCOL COMMON STOCK 372917500 1 150 SH DEFINED 150 0 0
GENZYME CORP COM-TISSUE REP COMMON STOCK 372917401 0 6 SH DEFINED 6 0 0
GEO. A. HORMEL & CO* COMMON STOCK 440452100 583 16378 SH DEFINED 0 0 16378
GEON CO COMMON STOCK 37246W105 48 2100 SH DEFINED 0 0 2100
GEORGIA GULF CORP COMMON STOCK 373200203 51 4600 SH DEFINED 0 0 4600
GEORGIA PAC CORP COM-TIMBER GR COMMON STOCK 373298702 23 1031 SH DEFINED 1031 0 0
GEORGIA-PACIFIC CORP GROUP CO COMMON STOCK 373298108 411 5531 SH DEFINED 1231 0 4300
GERBER SCIENTIFIC INC COMMON STOCK 373730100 81 4000 SH DEFINED 4000 0 0
GILLETTE CO COM STK COMMON STOCK 375766102 3401 57216 SH DEFINED 51600 0 5616
GILLETTE CO COM STK COMMON STOCK 375766102 24 400 SH OTHER 400 0 0
GLIMCHER RLTY TR COMMON STOCK 379302102 14 1000 SH DEFINED 0 0 1000
GLOBAL MARINE INC COMMON STOCK 379352404 16 1350 SH DEFINED 0 0 1350
GOODYEAR TIRE & RUBBER CO COMMON STOCK 382550101 100 2000 SH DEFINED 2000 0 0
GPU INC COMMON STOCK 36225X100 44 1184 SH DEFINED 1184 0 0
GRACE W R & CO DEL NEW COMMON STOCK 38388F108 12 992 SH DEFINED 992 0 0
GREAT LAKES CHEMICAL COMMON STOCK 390568103 92 2500 SH DEFINED 0 0 2500
GTE CORPORATION COMMON STOCK 362320103 1418 23442 SH DEFINED 22592 0 850
GUIDANT CORP COMMON STOCK 401698105 211 3480 SH DEFINED 1480 0 2000
GULFMARK OFFSHORE INC COMMON STOCK 402629109 1 104 SH DEFINED 104 0 0
HAIN FOOD GROUP INC COMMON STOCK 405219106 102 6200 SH DEFINED 6200 0 0
HALLIBURTON CO COM STK COMMON STOCK 406216101 464 12050 SH DEFINED 250 0 11800
HALLIBURTON CO COM STK COMMON STOCK 406216101 19 500 SH OTHER 500 0 0
HALLWOOD RLTY PARTNERS L P COMMON STOCK 40636T203 2 42 SH DEFINED 42 0 0
HARCOURT GEN INC COMMON STOCK 41163G101 58 1300 SH DEFINED 0 0 1300
HARMON INDS INC NEW COMMON STOCK 413136102 30 1500 SH DEFINED 1500 0 0
HARMONY GOLD MNG LTD COMMON STOCK 413216300 1 180 SH DEFINED 180 0 0
HARRAHS ENTMT INC COMMON STOCK 413619107 274 14375 SH DEFINED 0 75 14300
HARRAHS ENTMT INC COMMON STOCK 413619107 2 93 SH OTHER 93 0 0
HARRIS CORP DEL COMMON STOCK 413875105 23 800 SH DEFINED 0 0 800
HARTFORD FINL SVCS GROUP INC COMMON STOCK 416515104 19297 339662 SH DEFINED 329950 7462 2250
HARTFORD LIFE INC COMMON STOCK 416592103 297 5400 SH DEFINED 5400 0 0
HAVERTY FURNITURE COS INC COMMON STOCK 419596101 51 2000 SH DEFINED 2000 0 0
HAWAIIAN ELECTRIC INDUSTRIES I COMMON STOCK 419870100 14 400 SH DEFINED 400 0 0
HAWK CORP COMMON STOCK 420089104 56 7000 SH DEFINED 7000 0 0
HEALTH CARE PPTY INVS INC COMMON STOCK 421915109 12 400 SH DEFINED 400 0 0
HEALTH CARE REIT INC COMMON STOCK 42217K106 32 1500 SH DEFINED 1500 0 0
HEALTHCARE RLTY TR COMMON STOCK 421946104 44 2300 SH DEFINED 1500 0 800
HEALTHCARE SVCS GROUP INC COMMON STOCK 421906108 5 500 SH DEFINED 500 0 0
HEALTHSOUTH CORP COMMON STOCK 421924101 12 1175 SH DEFINED 0 0 1175
HEILIG MEYERS CO COMMON STOCK 422893107 13 2500 SH DEFINED 2500 0 0
HEINZ H J CO COM STK* COMMON STOCK 423074103 1120 23650 SH DEFINED 14650 0 9000
HELEN OF TROY CORP LTD COMMON STOCK G4388N106 39 3000 SH DEFINED 3000 0 0
HERSHEY FOODS CORP COM STK* COMMON STOCK 427866108 56 1000 SH DEFINED 1000 0 0
HEWLETT-PACKARD CO COMM STK COMMON STOCK 428236103 1533 22610 SH DEFINED 13400 0 9210
HIBERNIA CORP COMMON STOCK 428656102 396 30000 SH DEFINED 0 0 30000
HIGHWOODS PPTYS INC COMMON STOCK 431284108 99 4200 SH DEFINED 4200 0 0
HILLENBRAND INDUSTRIES COMMON STOCK 431573104 905 19600 SH DEFINED 19600 0 0
HOME DEPOT COMMON STOCK 437076102 4372 70237 SH DEFINED 63337 0 6900
HONEYWELL CO COM STK COMMON STOCK 438506107 330 4355 SH DEFINED 1095 0 3260
HOSPITALITY PPTYS TR COMMON STOCK 44106M102 78 2900 SH DEFINED 2900 0 0
HOST MARRIOTT CORP NEW COMMON STOCK 44107P104 83 7500 SH DEFINED 7500 0 0
HOST MARRIOTT SVCS CORP COMMON STOCK 440914109 10 1500 SH DEFINED 1500 0 0
HOUSEHOLD INTERNATIONAL* COMMON STOCK 441815107 288 6315 SH DEFINED 6000 315 0
HRPT PPTYS TR COM SH BEN INT COMMON STOCK 40426W101 115 8500 SH DEFINED 7500 0 1000
HUNT CORP COMMON STOCK 445591100 30 3000 SH DEFINED 3000 0 0
HUNTINGTON BANCSHARES* COMMON STOCK 446150104 2902 93801 SH DEFINED 89575 0 4226
HUSSMANN INTL INC COMMON STOCK 448110106 1 65 SH DEFINED 65 0 0
HYDRON TECHNOLOGIES INC COM NE COMMON STOCK 449020205 0 120 SH DEFINED 120 0 0
I-STAT CORP COMMON STOCK 450312103 9 1000 SH DEFINED 1000 0 0
ICT GROUP INC COMMON STOCK 44929Y101 12 4300 SH DEFINED 4300 0 0
IDEXX LABS INC COMMON STOCK 45168D104 5 200 SH DEFINED 200 0 0
IKON OFFICE SOLUTIONS INC COMMON STOCK 451713101 54 4200 SH DEFINED 0 0 4200
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 14 221 SH DEFINED 0 221 0
ILLINOVA CORP COMMON STOCK 452317100 257 12122 SH DEFINED 197 0 11925
IMATION CORP COMMON STOCK 45245A107 2 98 SH DEFINED 98 0 0
IMC GLOBAL INC. COM COMMON STOCK 449669100 231 11300 SH DEFINED 0 0 11300
IMMUCOR INC COMMON STOCK 452526106 9 1000 SH DEFINED 1000 0 0
IMPERIAL BANCORP COMMON STOCK 452556103 9 540 SH DEFINED 540 0 0
IMPERIAL CHEMICAL COMMON STOCK 452704505 27 745 SH DEFINED 0 0 745
IMPERIAL TOB GROUP PLC COMMON STOCK 453142101 6 291 SH DEFINED 291 0 0
INDIANA ENERGY INC COMMON STOCK 454707100 164 8659 SH DEFINED 8659 0 0
INFINITY BROADCASTING CORP NEW COMMON STOCK 45662S102 590 22900 SH DEFINED 20000 0 2900
INGERSOLL RAND CO COMMON STOCK 456866102 174 3501 SH DEFINED 3501 0 0
INT'L FLAVORS & FRAGRANCE COMMON STOCK 459506101 30 800 SH DEFINED 800 0 0
INTEL CORP COMMON STOCK 458140100 2771 23309 SH DEFINED 19036 248 4025
INTEL CORP COMMON STOCK 458140100 24 200 SH OTHER 200 0 0
INTELLIGENT MED IMAGING INC COMMON STOCK 45815T106 2 1500 SH DEFINED 1500 0 0
INTERNATIONAL BUSINESS MACHINE COMMON STOCK 459200101 4387 24750 SH DEFINED 21862 458 2430
INTERNATIONAL BUSINESS MACHINE COMMON STOCK 459200101 18 100 SH OTHER 100 0 0
INTERNATIONAL PAPER CO COM STK COMMON STOCK 460146103 237 5625 SH DEFINED 1025 0 4600
INTERNATIONAL SPEEDWAY CORP COMMON STOCK 460335201 3 50 SH DEFINED 50 0 0
INTERPUBLIC GROUP COS INC COMMON STOCK 460690100 238 3050 SH DEFINED 1200 0 1850
IRT PPTY CO COMMON STOCK 450058102 9 1000 SH DEFINED 1000 0 0
ITT INDS INC IND COMMON STOCK 450911102 8071 228148 SH DEFINED 224417 3731 0
JEFFERSON PILOT CORP COMMON STOCK 475070108 478 7050 SH DEFINED 3900 0 3150
JOHNSON + JOHNSON COM STK COMMON STOCK 478160104 8591 91883 SH DEFINED 87112 0 4771
JOHNSON + JOHNSON COM STK COMMON STOCK 478160104 449 4800 SH OTHER 4800 0 0
JOHNSON CTLS INC COMMON STOCK 478366107 114 1820 SH DEFINED 1820 0 0
JOS A BANK CLOTHIERS INC COMMON STOCK 480838101 31 5000 SH DEFINED 5000 0 0
K TRON INTL INC COMMON STOCK 482730108 58 3200 SH DEFINED 3200 0 0
K-MART COMMON STOCK 482584109 427 25400 SH DEFINED 11600 0 13800
KATY INDS INC COMMON STOCK 486026107 20 1500 SH DEFINED 1500 0 0
KENTUCKY ELEC STL INC COMMON STOCK 49127B100 5 1500 SH DEFINED 1500 0 0
KERR-MCGEE OIL INDUST. INC COM COMMON STOCK 492386107 393 11962 SH DEFINED 5985 0 5977
KEYCORP NEW COMMON STOCK 493267108 61 2000 SH DEFINED 2000 0 0
KEYSPAN CORP COMMON STOCK 49337K106 60 2376 SH DEFINED 0 0 2376
KEYSTONE FINL INC COMMON STOCK 493482103 11 345 SH DEFINED 345 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 510 10635 SH DEFINED 400 0 10235
KIMCO RLTY CORP COMMON STOCK 49446R109 103 2800 SH DEFINED 2800 0 0
KOHLS CORP COMMON STOCK 500255104 319 4500 SH DEFINED 0 0 4500
KRANZCO RLTY TR COMMON STOCK 50076E103 1 100 SH DEFINED 0 0 100
KROGER CO COM STK COMMON STOCK 501044101 448 7476 SH DEFINED 176 0 7300
LAIDLAW INC COMMON STOCK 50730K503 41 7055 SH DEFINED 0 0 7055
LANCASTER COLONY CORP COMMON STOCK 513847103 161 6031 SH DEFINED 6031 0 0
LAWTER INTL INC COMMON STOCK 520786104 45 6400 SH DEFINED 6400 0 0
LEGATO SYS INC COMMON STOCK 524651106 139 2700 SH DEFINED 2700 0 0
LEHMAN BROS HLDGS INC COMMON STOCK 524908100 19 312 SH DEFINED 312 0 0
LEXMARK INTL GROUP INC COMMON STOCK 529771107 291 2600 SH DEFINED 0 0 2600
LG&E ENERGY CORP COMMON STOCK 501917108 333 16001 SH DEFINED 16001 0 0
LIBERTY PPTY TR COMMON STOCK 531172104 104 5000 SH DEFINED 5000 0 0
LIFETIME HOAN CORP COMMON STOCK 531926103 6 600 SH DEFINED 600 0 0
LIMITED INC. (DEL.) COMMON STOCK 532716107 277 7000 SH DEFINED 7000 0 0
LINCOLN NATL CONV SECS FD INC COMMON STOCK 534183108 6 500 SH DEFINED 500 0 0
LINCOLN NATL CORP IND COM STK COMMON STOCK 534187109 439 4436 SH DEFINED 4436 0 0
LINEAR TECHNOLOGY CORP COMMON STOCK 535678106 144 2800 SH DEFINED 0 0 2800
LIZ CLAIBORNE COMMON STOCK 539320101 196 6000 SH DEFINED 0 0 6000
LOCKHEED MARTIN CORP COMMON STOCK 539830109 728 19291 SH DEFINED 12790 201 6300
LOCKHEED MARTIN CORP COMMON STOCK 539830109 11 300 SH OTHER 300 0 0
LOEWS COMMON STOCK 540424108 159 2125 SH DEFINED 0 0 2125
LOUISIANA PAC CORP COMMON STOCK 546347105 4 206 SH DEFINED 206 0 0
LOWES COS INC COMMON STOCK 548661107 790 13050 SH DEFINED 150 0 12900
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 7267 67283 SH DEFINED 61209 0 6074
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 351 3246 SH OTHER 2922 0 324
LYCOS INC COMMON STOCK 550818108 5 60 SH DEFINED 60 0 0
LYDALL INC COMMON STOCK 550819106 48 5800 SH DEFINED 5800 0 0
LYONDELL PETR CHEMICAL COMMON STOCK 552078107 34 2500 SH DEFINED 800 0 1700
LYONDELL PETR CHEMICAL COMMON STOCK 552078107 7 500 SH OTHER 500 0 0
MALLINCKRODT GROUP INC COMMON STOCK 561232109 48 1800 SH DEFINED 500 0 1300
MARINE DRILLING COS INC COMMON STOCK 568240204 1 100 SH DEFINED 0 0 100
MARK IV INDS INC COMMON STOCK 570387100 255 19590 SH DEFINED 10500 0 9090
MARRIOTT INTL INC NEW CLASS A COMMON STOCK 571903202 636 18900 SH DEFINED 15000 0 3900
MARSH & MCLENNAN COS INS* COMMON STOCK 571748102 642 8650 SH DEFINED 8350 0 300
MARTIN MARIETTA MATLS INC COMMON STOCK 573284106 97 1694 SH DEFINED 1694 0 0
MASCO CORP COMMON STOCK 574599106 363 12860 SH DEFINED 12640 220 0
MATEWAN BANCSHARES INC COMMON STOCK 576703102 42 1355 SH DEFINED 1355 0 0
MATTEL INC COMMON STOCK 577081102 312 12522 SH DEFINED 1257 45 11220
MATTHEWS INTL CORP COMMON STOCK 577128101 22 800 SH DEFINED 800 0 0
MAXXIM MED INC COMMON STOCK 57777G105 38 2000 SH DEFINED 2000 0 0
MAY DEPT STORE COMMON STOCK 577778103 220 5630 SH DEFINED 2100 80 3450
MAY DEPT STORE COMMON STOCK 577778103 443 11324 SH OTHER 11324 0 0
MAYTAG COMMON STOCK 578592107 217 3600 SH DEFINED 3600 0 0
MBNA CORP COMMON STOCK 55262L100 293 12276 SH DEFINED 3317 459 8500
MCDONALD'S CORP COMMON STOCK 580135101 1267 27960 SH DEFINED 15560 100 12300
MCDONALD'S CORP COMMON STOCK 580135101 363 8000 SH OTHER 8000 0 0
MCGRAW HILL INC COMMON STOCK 580645109 360 6600 SH DEFINED 6600 0 0
MCGRAW HILL INC COMMON STOCK 580645109 22 400 SH OTHER 400 0 0
MCI WORLDCOM INC COMMON STOCK 55268B106 4199 47413 SH DEFINED 33915 85 13413
MCKESSON HBOC INC COMMON STOCK 58155Q103 361 5467 SH DEFINED 1979 0 3488
MCKESSON HBOC INC COMMON STOCK 58155Q103 10 150 SH OTHER 0 0 150
MEDIAONE GROUP INC COM COMMON STOCK 58440J104 1236 19482 SH DEFINED 18970 0 512
MEDIAONE GROUP INC COM COMMON STOCK 58440J104 26 416 SH OTHER 416 0 0
MEDICAL RES INC COMMON STOCK 58461Q409 2 1000 SH DEFINED 1000 0 0
MEDITRUST COMMON STOCK 58501T306 60 4805 SH DEFINED 3604 0 1201
MEDQUIST INC COMMON STOCK 584949101 150 5000 SH DEFINED 5000 0 0
MEDTRONIC INC COMMON STOCK 585055106 2399 33379 SH DEFINED 26045 134 7200
MELLON BANK CORP COMMON STOCK 585509102 367 5222 SH DEFINED 5222 0 0
MELLON BANK CORP COMMON STOCK 585509102 63 900 SH OTHER 0 0 900
MERCANTILE BANCORPORATION COM COMMON STOCK 587342106 433 9112 SH DEFINED 9112 0 0
MERCK + CO COM STK COMMON STOCK 589331107 7673 95766 SH DEFINED 83274 92 12400
MERCK + CO COM STK COMMON STOCK 589331107 545 6800 SH OTHER 6800 0 0
MERITOR AUTOMOTIVE INC COMMON STOCK 59000G100 9 555 SH DEFINED 555 0 0
MERITOR AUTOMOTIVE INC COMMON STOCK 59000G100 16 1000 SH OTHER 1000 0 0
MERRILL LYNCH & CO COMMON STOCK 590188108 2942 33240 SH DEFINED 29240 0 4000
MESTEK INC COMMON STOCK 590829107 36 1900 SH DEFINED 1900 0 0
METZLER GROUP INC COMMON STOCK 592903108 91 2900 SH DEFINED 2900 0 0
MEYER FRED INC DEL NEW COMMON STOCK 592907109 4 75 SH DEFINED 0 75 0
MGI PPTYS COMMON STOCK 552885105 140 5100 SH DEFINED 5100 0 0
MGIC INVT CORP WIS COMMON STOCK 552848103 529 15100 SH DEFINED 8900 0 6200
MICROSEMI CORP COMMON STOCK 595137100 32 4000 SH DEFINED 4000 0 0
MICROSOFT CORP COMMON STOCK 594918104 13361 149072 SH DEFINED 131852 20 17200
MIDAS INC COMMON STOCK 595626102 1 21 SH DEFINED 21 0 0
MILLENNIUM CHEMICALS INC COMMON STOCK 599903101 20 1000 SH DEFINED 1000 0 0
MINDSPRING ENTERPRISES INC COMMON STOCK 602683104 232 2700 SH DEFINED 2700 0 0
MINNESOTA MINING + MFG CO COMM COMMON STOCK 604059105 784 11084 SH DEFINED 5869 115 5100
MINNESOTA MINING + MFG CO COMM COMMON STOCK 604059105 35 500 SH OTHER 500 0 0
MINNESOTA POWER, INC. COMMON STOCK 604110106 40 2000 SH DEFINED 2000 0 0
MIRAGE RESORTS INC COMMON STOCK 60462E104 11 500 SH DEFINED 500 0 0
MOBIL OIL CORP CAP STK COMMON STOCK 607059102 5575 63357 SH DEFINED 57142 0 6215
MOBIL OIL CORP CAP STK COMMON STOCK 607059102 246 2800 SH OTHER 2800 0 0
MODIS PROFESSIONAL SERVES COMMON STOCK 607830106 16 1805 SH DEFINED 0 280 1525
MOMENTUM BUSINESS APPLICATIONS COMMON STOCK 60877P108 1 66 SH DEFINED 66 0 0
MONRO MUFFLER BRAKE INC COMMON STOCK 610236101 66 9300 SH DEFINED 9300 0 0
MONSANTO CO COM STK COMMON STOCK 611662107 527 11466 SH DEFINED 5401 165 5900
MORGAN J P & CO INC* COMMON STOCK 616880100 774 6275 SH DEFINED 6275 0 0
MORGAN J P & CO INC* COMMON STOCK 616880100 25 200 SH OTHER 200 0 0
MORGAN STANLEY DEAN WITTER & C COMMON STOCK 617446448 107 1067 SH DEFINED 267 0 800
MORGAN STANLEY INDIA INVT FD I COMMON STOCK 61745C105 16 1700 SH DEFINED 1700 0 0
MORRISON HEALTH CARE INC COMMON STOCK 61841L108 34 1890 SH DEFINED 1890 0 0
MORTON INTL INC IND NEW COMMON STOCK 619335102 15 400 SH DEFINED 400 0 0
MOTOROLA INC COMMON STOCK 620076109 683 9327 SH DEFINED 7227 0 2100
MOTOROLA INC COMMON STOCK 620076109 103 1400 SH OTHER 1400 0 0
MUELLER INDS INC COMMON STOCK 624756102 1 44 SH OTHER 44 0 0
MURPHY OIL CORP COM STK* COMMON STOCK 626717102 535 12900 SH DEFINED 12900 0 0
MYERS INDS INC COMMON STOCK 628464109 13 600 SH DEFINED 600 0 0
MYLAN LAB INC* COMMON STOCK 628530107 1957 71308 SH DEFINED 63008 7800 500
NACCO INDS INC CL A COMMON STOCK 629579103 7 93 SH OTHER 93 0 0
NASH FINCH CO COMMON STOCK 631158102 27 3200 SH DEFINED 3200 0 0
NASHUA CORP COMMON STOCK 631226107 6 500 SH DEFINED 500 0 0
NATIONAL CITY BANCORPORATION COMMON STOCK 635312101 3 124 SH DEFINED 124 0 0
NATIONAL CITY CORP COMMON STOCK 635405103 222 3338 SH DEFINED 3338 0 0
NATIONAL FUEL GAS CO N J COMMON STOCK 636180101 307 7815 SH DEFINED 7815 0 0
NATIONAL GOLF PPTYS INC COMMON STOCK 63623G109 55 2500 SH DEFINED 1500 0 1000
NCR CORP NEW COMMON STOCK 62886E108 97 1943 SH DEFINED 1888 0 55
NCR CORP NEW COMMON STOCK 62886E108 7 136 SH OTHER 105 0 31
NETMANAGE INC COMMON STOCK 641144100 3 1100 SH DEFINED 100 0 1000
NETWORK APPLIANCE INC COMMON STOCK 64120L104 182 3600 SH DEFINED 3600 0 0
NETWORK SOLUTIONS INC DEL COMMON STOCK 64121Q102 178 1680 SH DEFINED 1680 0 0
NETWORKS ASSOCS INC COMMON STOCK 640938106 2 55 SH DEFINED 0 55 0
NEUROGEN CORP COMMON STOCK 64124E106 11 1000 SH DEFINED 1000 0 0
NEVADA PWR CO COMMON STOCK 641423108 2 100 SH DEFINED 100 0 0
NEW CENTY ENERGIES INC COMMON STOCK 64352U103 839 24630 SH DEFINED 24630 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 94 4900 SH DEFINED 4900 0 0
NEWMONT MNG CORP COMMON STOCK 651639106 14 801 SH DEFINED 801 0 0
NEWPORT NEWS SHIPBUILDING INC COMMON STOCK 652228107 4 125 SH DEFINED 125 0 0
NICOR INC COMMON STOCK 654086107 3 70 SH DEFINED 70 0 0
NIKE INC COMMON STOCK 654106103 23 400 SH DEFINED 400 0 0
NIPSCO INDUSTRIES COMMON STOCK 629140104 179 6618 SH DEFINED 1818 0 4800
NOBLE AFFILIATES INC COMMON STOCK 654894104 261 9000 SH DEFINED 0 0 9000
NORD RESOURCES CORP COMMON STOCK 655555100 1 2000 SH DEFINED 2000 0 0
NORFOLK SOUTHERN CORPORATION COMMON STOCK 655844108 3954 149926 SH DEFINED 149926 0 0
NORTHEAST UTILITIES* COMMON STOCK 664397106 12 900 SH DEFINED 900 0 0
NORTHERN STATES POWER CO* COMMON STOCK 665772109 231 9952 SH DEFINED 9952 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 64 1075 SH DEFINED 90 0 985
NORTHWEST AIRLS CORP COMMON STOCK 667280101 108 3900 SH DEFINED 0 0 3900
NOVELL INC COMMON STOCK 670006105 43 1700 SH DEFINED 0 0 1700
NUCOR CORP COMMON STOCK 670346105 39 876 SH OTHER 876 0 0
O'SULLIVAN INDS HLDGS INC COMMON STOCK 688609106 55 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 49 2698 SH DEFINED 2480 0 218
OCTEL CORP COMMON STOCK 675727101 1 50 SH DEFINED 0 0 50
OFFICE DEPOT INC COMMON STOCK 676220106 140 3750 SH DEFINED 450 0 3300
OGE ENERGY CORP COMMON STOCK 670837103 32 1404 SH DEFINED 1404 0 0
OHIO CAS CORP COMMON STOCK 677240103 59 1500 SH DEFINED 1500 0 0
OLD REP INTL CORP COMMON STOCK 680223104 35 1900 SH DEFINED 0 0 1900
OLSTEN CORP COMMON STOCK 681385100 25 4000 SH DEFINED 0 0 4000
OMNICOM GROUP INC COMMON STOCK 681919106 320 4000 SH DEFINED 4000 0 0
OMNIPOINT CORP COMMON STOCK 68212D102 22 1500 SH DEFINED 1500 0 0
ONE VALLEY BANCORP, INC. COMMON STOCK 682419106 166619 4777607 SH DEFINED 3233372 1354653 189582
ONE VALLEY BANCORP, INC. COMMON STOCK 682419106 932 26710 SH OTHER 12677 9810 4223
ONEIDA LTD COMMON STOCK 682505102 87 5100 SH DEFINED 5100 0 0
ORACLE SYS CORP COMMON STOCK 68389X105 388 14700 SH DEFINED 7800 0 6900
ORBITAL SCIENCES CORP COMMON STOCK 685564106 28 1000 SH DEFINED 1000 0 0
OSTEOTECH INC COMMON STOCK 688582105 26 750 SH DEFINED 750 0 0
OWENS ILL INC COMMON STOCK 690768403 170 6800 SH DEFINED 0 0 6800
OXFORD HEALTH PLANS INC COMMON STOCK 691471106 2 100 SH DEFINED 0 0 100
P P & L RES INC COMMON STOCK 693499105 10 400 SH DEFINED 400 0 0
P P G INDUSTRIES COMMON STOCK 693506107 26 500 SH DEFINED 500 0 0
P P G INDUSTRIES COMMON STOCK 693506107 185 3600 SH OTHER 3600 0 0
PACIFICORP COMMON STOCK 695114108 176 10220 SH DEFINED 10220 0 0
PAGING NETWORK INC COMMON STOCK 695542100 10 2100 SH DEFINED 0 0 2100
PANAMERICAN BEVERAGES INC COMMON STOCK P74823108 82 4685 SH DEFINED 2500 0 2185
PARAMETRIC TECHNOLOGY CORP COMMON STOCK 699173100 2 100 SH DEFINED 0 0 100
PAYCHEX INC COMMON STOCK 704326107 154 3237 SH DEFINED 0 0 3237
PAYLESS SHOESOURCE INC COMMON STOCK 704379106 100 2160 SH DEFINED 160 0 2000
PAYLESS SHOESOURCE INC COMMON STOCK 704379106 57 1236 SH OTHER 1236 0 0
PECO ENERGY CO COMMON STOCK 693304107 67 1447 SH DEFINED 747 0 700
PENN ENGR & MFG CORP COMMON STOCK 707389300 105 5500 SH DEFINED 5500 0 0
PENNEY J C CO COM STK* COMMON STOCK 708160106 22 532 SH DEFINED 532 0 0
PENNZENERGY COMPANY COM COMMON STOCK 70931Q109 2 200 SH DEFINED 0 0 200
PENNZOIL-QUAKER ST CO COMMON STOCK 709323109 10 846 SH DEFINED 646 0 200
PENNZOIL-QUAKER ST CO COMMON STOCK 709323109 91 7383 SH OTHER 7383 0 0
PEOPLES BANCORP INC COMMON STOCK 709789101 43 1950 SH DEFINED 1950 0 0
PEOPLES ENERGY CORP COMMON STOCK 711030106 5 142 SH DEFINED 142 0 0
PEOPLESOFT INC COMMON STOCK 712713106 49 3330 SH DEFINED 3330 0 0
PEP BOYS MANNY MOE & JACK COMMON STOCK 713278109 23 1500 SH DEFINED 0 0 1500
PEPSICO INC COMMON STOCK 713448108 2278 58129 SH DEFINED 58129 0 0
PEPSICO INC COMMON STOCK 713448108 71 1800 SH OTHER 1800 0 0
PERCEPTRON INC COMMON STOCK 71361F100 4 1200 SH DEFINED 1200 0 0
PFIZER INC COM STK COMMON STOCK 717081103 8331 60046 SH DEFINED 54591 155 5300
PG & E CORP COMMON STOCK 69331C108 161 5179 SH DEFINED 5179 0 0
PHARMACIA & UPJOHN INC COMMON STOCK 716941109 162 2590 SH DEFINED 2090 0 500
PHELPS DODGE CORP COMMON STOCK 717265102 128 2590 SH DEFINED 1790 0 800
PHILIP MORRIS COS INC COMMON STOCK 718154107 3500 99470 SH DEFINED 82055 140 17275
PHILIP MORRIS COS INC COMMON STOCK 718154107 21 600 SH OTHER 600 0 0
PHILLIPS PETROLEUM CO COM STK* COMMON STOCK 718507106 198 4193 SH DEFINED 3593 0 600
PIEDMONT NAT GAS INC COMMON STOCK 720186105 286 8170 SH DEFINED 8170 0 0
PIONEER NAT RES CO COMMON STOCK 723787107 2 204 SH DEFINED 204 0 0
PITNEY BOWES INC. COMMON STOCK 724479100 481 7550 SH DEFINED 5600 0 1950
PITNEY BOWES INC. COMMON STOCK 724479100 191 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
PLATINUM TECHNOLOGY INT'L INC. COMMON STOCK 72764T101 38 1501 SH DEFINED 1501 0 0
PNC BANK CORP COMMON STOCK 693475105 1660 29884 SH DEFINED 29784 0 100
PNC BANK CORP COMMON STOCK 693475105 16 280 SH OTHER 280 0 0
POOL ENERGY SVCS CO COMMON STOCK 732788104 5 354 SH DEFINED 154 0 200
POST PPTYS INC COMMON STOCK 737464107 109 3000 SH DEFINED 3000 0 0
POTOMAC ELECTRIC POWER CO COM COMMON STOCK 737679100 350 15106 SH DEFINED 15106 0 0
POTOMAC ELECTRIC POWER CO COM COMMON STOCK 737679100 55 2384 SH OTHER 2384 0 0
PRAXAIR INC COMMON STOCK 74005P104 121 3358 SH DEFINED 3358 0 0
PRAXAIR INC COMMON STOCK 74005P104 11 300 SH OTHER 300 0 0
PRE-MARK INTERNATIONAL COMMON STOCK 740459102 25 750 SH DEFINED 750 0 0
PREMIER FINL BANCORP INC COMMON STOCK 74050M105 48 3400 SH DEFINED 3400 0 0
PREMIER FINL BANCORP INC COMMON STOCK 74050M105 9 630 SH OTHER 630 0 0
PRENTISS PPTYS TR COMMON STOCK 740706106 113 6000 SH DEFINED 6000 0 0
PRIMESOURCE CORP COMMON STOCK 741593107 28 4900 SH DEFINED 4900 0 0
PRINTRONIX INC COMMON STOCK 742578107 26 2300 SH DEFINED 2300 0 0
PRIORITY HEALTHCARE CORP COMMON STOCK 74264T102 175 3860 SH DEFINED 3860 0 0
PROCTER & GAMBLE CO COM STK* COMMON STOCK 742718109 3046 31105 SH DEFINED 27605 0 3500
PROFIT RECOVERY GROUP INTL INC COMMON STOCK 743168106 282 7150 SH DEFINED 7150 0 0
PROGRESSIVE CORP OHIO COMMON STOCK 743315103 5 35 SH DEFINED 0 35 0
PROLOGIS TR SH BEN INT COMMON STOCK 743410102 112 5454 SH DEFINED 5454 0 0
PROMUS HOTEL CORP NEW COMMON STOCK 74342P106 2 42 SH OTHER 42 0 0
PROVIDIAN FINL CORP COMMON STOCK 74406A102 4041 36740 SH DEFINED 35400 40 1300
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK 744573106 199 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 34 1490 SH DEFINED 200 0 1290
QLOGIC CORP COMMON STOCK 747277101 161 2400 SH DEFINED 2400 0 0
QUAKER OATS CO COMMON STOCK 747402105 158 2536 SH DEFINED 2536 0 0
QUESTAR CORP COMMON STOCK 748356102 136 8000 SH DEFINED 8000 0 0
R & B FALCON CORP COMMON STOCK 74912E101 26 3000 SH DEFINED 0 0 3000
R & B INC COMMON STOCK 749124103 22 2700 SH DEFINED 2700 0 0
R H DONNELLEY CORP COMMON STOCK 74955W307 2 160 SH DEFINED 0 0 160
RALCORP HLDGS INC NEW COMMON STOCK 751028101 53 2799 SH DEFINED 2799 0 0
RALSTON PURINA CO COMMON STOCK 751277302 847 31746 SH DEFINED 31746 0 0
RAYONIER INC COMMON STOCK 754907103 2172 54206 SH DEFINED 54206 0 0
RAYTHEON CO COMMON STOCK 755111309 149 2572 SH DEFINED 572 0 2000
RAYTHEON CO. COM COMMON STOCK 755111408 152 2593 SH DEFINED 0 143 2450
REALTY INCOME CORP COMMON STOCK 756109104 34 1600 SH DEFINED 1600 0 0
REGIONS FINL CORP COMMON STOCK 758940100 322 9304 SH DEFINED 5304 0 4000
RELIANT ENERGY, INC. COMMON STOCK 75952J108 8 298 SH DEFINED 298 0 0
REMEDYTEMP INC COMMON STOCK 759549108 40 3200 SH DEFINED 3200 0 0
REPUBLIC INDS INC COMMON STOCK 760516104 47 3825 SH DEFINED 0 0 3825
REYNOLDS METALS CO COMMON STOCK 761763101 355 7355 SH DEFINED 120 0 7235
RICHARDSON ELECTRS LTD COMMON STOCK 763165107 21 4100 SH DEFINED 4100 0 0
RITE AID CORP COMMON STOCK 767754104 213 8525 SH DEFINED 3390 510 4625
RJR NABISCO HLDGS CORP NEW (CO COMMON STOCK 74960K876 226 9030 SH DEFINED 0 0 9030
ROANOKE GAS COMPANY COMMON STOCK 769858101 1 73 SH DEFINED 73 0 0
ROBERTSON CECO CORP COMMON STOCK 770539203 20 2700 SH DEFINED 2700 0 0
ROCKWELL INTL CORP NEW COMMON STOCK 773903109 209 4919 SH DEFINED 1669 0 3250
ROCKWELL INTL CORP NEW COMMON STOCK 773903109 127 3000 SH OTHER 3000 0 0
ROGERS CORP COMMON STOCK 775133101 92 3700 SH DEFINED 3700 0 0
ROHM + HAAS CO COM STK* COMMON STOCK 775371107 121 3600 SH DEFINED 3600 0 0
ROHN INDS INC COMMON STOCK 775381106 7 3200 SH DEFINED 3200 0 0
RUBY TUESDAY INC COMMON STOCK 781182100 99 5670 SH DEFINED 5670 0 0
RUSS BERRIE & CO INC COMMON STOCK 782233100 23 900 SH DEFINED 900 0 0
SAFECO CORP COMMON STOCK 786429100 67 1650 SH DEFINED 0 0 1650
SAFEGUARD SCIENTIFICS INC COMMON STOCK 786449108 203 3000 SH DEFINED 3000 0 0
SAFETY-KLEEN CORP NEW COMMON STOCK 78648R203 11 843 SH DEFINED 843 0 0
SAFEWAY INC COMMON STOCK 786514208 505 9834 SH DEFINED 5052 382 4400
SALTON COMMON STOCK 795757103 73 3000 SH DEFINED 3000 0 0
SANTA FE ENERGY RES INC COMMON STOCK 802012104 123 16630 SH DEFINED 930 0 15700
SANTA FE INTL CORP COMMON STOCK G7805C108 30 1600 SH DEFINED 1000 0 600
SARA LEE CORP. COMMON STOCK 803111103 613 24770 SH DEFINED 9000 170 15600
SBARRO INC COMMON STOCK 805844107 27 1000 SH DEFINED 1000 0 0
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 7931 168072 SH DEFINED 165788 0 2284
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 120 2546 SH OTHER 2546 0 0
SCANA CORP COMMON STOCK 805898103 89 4118 SH DEFINED 4118 0 0
SCANA CORP COMMON STOCK 805898103 57 2616 SH OTHER 2616 0 0
SCHAWK INC COMMON STOCK 806373106 8 800 SH DEFINED 800 0 0
SCHERING-PLOUGH CORP COM STK* COMMON STOCK 806605101 7798 141141 SH DEFINED 122141 0 19000
SCHLUMBERGER LTD COMMON COMMON STOCK 806857108 943 15672 SH DEFINED 12872 0 2800
SCOTSMAN INDS INC COMMON STOCK 809340102 52 3000 SH DEFINED 3000 0 0
SCOTT TECHNOLOGIES INC COMMON STOCK 810022301 113 6500 SH DEFINED 6500 0 0
SEAGATE TECHNOLOGY COMMON STOCK 811804103 15 500 SH DEFINED 500 0 0
SEAGULL ENERGY CORP COMMON STOCK 812007102 84 12400 SH DEFINED 0 0 12400
SEALED AIR CORP NEW COMMON STOCK 81211K100 26 531 SH DEFINED 531 0 0
SEARS ROEBUCK + CO CAP STK COMMON STOCK 812387108 52 1140 SH DEFINED 1140 0 0
SED INTL HLDGS INC COMMON STOCK 784109100 20 7000 SH DEFINED 7000 0 0
SEMPRA ENERGY COMMON STOCK 816851109 15 800 SH DEFINED 800 0 0
SERVICE CORP INTL COMMON STOCK 817565104 28 1930 SH DEFINED 0 330 1600
SERVICEMASTER CO. COM COMMON STOCK 81760N109 20 1000 SH DEFINED 1000 0 0
SHAW INDS INC COMMON STOCK 820286102 205 11100 SH DEFINED 1000 100 10000
SHELL TRANSPORT & TRADING LTD COMMON STOCK 822703609 176 4320 SH DEFINED 0 0 4320
SHERWIN WILLIAMS CO COMMON STOCK 824348106 239 8500 SH DEFINED 3200 0 5300
SHONEYS INC. COMMON STOCK 825039100 5 2000 SH DEFINED 0 0 2000
SHOPKO STORES INC COMMON STOCK 824911101 60 2000 SH DEFINED 2000 0 0
SIERRA PAC RES COMMON STOCK 826425100 5 128 SH DEFINED 128 0 0
SIGMA ALDRICH CORP COMMON STOCK 826552101 99 3400 SH DEFINED 3400 0 0
SIGMA ALDRICH CORP COMMON STOCK 826552101 123 4200 SH OTHER 4200 0 0
SIMON PPTY GROUP INC NEW COMMON STOCK 828806109 55 2000 SH DEFINED 2000 0 0
SITEL CORP COMMON STOCK 82980K107 7 3000 SH DEFINED 3000 0 0
SLM HLDG CORP COMMON STOCK 78442A109 1353 32400 SH DEFINED 28000 0 4400
SMART MODULAR TECHNOLOGIES INC COMMON STOCK 831690102 45 3000 SH DEFINED 3000 0 0
SMURFIT-STONE CONTAINER CORP COMMON STOCK 832727101 176 9100 SH DEFINED 0 0 9100
SNYDER COMMUNICATIONS INC COMMON STOCK 832914105 107 3850 SH DEFINED 3850 0 0
SODEXHO MARRIOTT SVCS INC COMMON STOCK 833793102 52 2361 SH DEFINED 1875 0 486
SOLECTRON CORP COMMON STOCK 834182107 155 3200 SH DEFINED 0 0 3200
SOLUTIA INC COMMON STOCK 834376105 4 208 SH DEFINED 160 48 0
SONAT INC COMMON STOCK 835415100 6 200 SH DEFINED 200 0 0
SOUTHERN CO COM STK* COMMON STOCK 842587107 798 34216 SH DEFINED 27006 0 7210
SOUTHWEST AIRLS CO COMMON STOCK 844741108 73 2400 SH DEFINED 0 0 2400
SOUTHWEST SECS GROUP INC COMMON STOCK 845224104 136 4800 SH DEFINED 4800 0 0
SOVEREIGN BANCORP INC COMMON STOCK 845905108 35 2880 SH DEFINED 2880 0 0
SOVRAN SELF STORAGE INC COMMON STOCK 84610H108 140 6000 SH DEFINED 6000 0 0
SPECTRUM CTL INC COMMON STOCK 847615101 22 5300 SH DEFINED 5300 0 0
SPEEDWAY MOTORSPORTS INC COMMON STOCK 847788106 2 50 SH DEFINED 50 0 0
SPIEKER PPTYS INC COMMON STOCK 848497103 123 3500 SH DEFINED 3500 0 0
SPRINT CORP PCS COMMON STOCK 852061506 7 167 SH DEFINED 112 55 0
SPRINT CORPORATION (FON GROUP) COMMON STOCK 852061100 288 2935 SH DEFINED 225 110 2600
ST MICROELETRONICS N.V. COMMON STOCK 861012102 97 1000 SH DEFINED 1000 0 0
ST PAUL COS INC COMMON STOCK 792860108 5 168 SH DEFINED 168 0 0
STAPLES / OFFICE DEPOT INC. CO COMMON STOCK 855030102 641 19500 SH DEFINED 16800 0 2700
STATE STR CORP COMMON STOCK 857477103 58 700 SH DEFINED 700 0 0
STB SYS INC COMMON STOCK 784741100 42 5400 SH DEFINED 5400 0 0
STERIGENICS INTL INC COMMON STOCK 85915R105 0 1 SH DEFINED 1 0 0
STERLING COMM INC COMMON STOCK 859205106 98 3200 SH DEFINED 3200 0 0
STONE AND WEBSTER INC COMMON STOCK 861572105 39 1684 SH DEFINED 1684 0 0
STORAGE TR RLTY COMMON STOCK 861909109 7 300 SH DEFINED 0 300 0
STORAGE USA INC COMMON STOCK 861907103 57 2000 SH DEFINED 2000 0 0
STRATTEC SEC CORP COMMON STOCK 863111100 5 160 SH DEFINED 160 0 0
SUMMIT BANCORP COMMON STOCK 866005101 226 5800 SH DEFINED 800 0 5000
SUMMIT PPTYS INC COMMON STOCK 866239106 72 4300 SH DEFINED 4300 0 0
SUN MICROSYSTEMS INC COMMON STOCK 866810104 1157 9255 SH DEFINED 7300 180 1775
SUNBURST HOSPITALITY CORP COMMON STOCK 866948102 0 66 SH DEFINED 66 0 0
SUNGARD DATA SYS INC COMMON STOCK 867363103 167 4175 SH DEFINED 0 0 4175
SUNOCO, INC COMMON STOCK 86764P109 30 839 SH DEFINED 839 0 0
SUNSTONE HOTEL INVS INC COMMON STOCK 867933103 36 5000 SH DEFINED 5000 0 0
SUNSTRAND CORP. COMMON STOCK 867323107 386 5560 SH DEFINED 0 160 5400
SUNTRUST BANKS COMMON STOCK 867914103 316 5080 SH DEFINED 4480 0 600
SUPERIOR INDS INTL INC COMMON STOCK 868168105 12 500 SH DEFINED 500 0 0
SUPERVALU INC COMMON STOCK 868536103 74 3600 SH DEFINED 0 0 3600
SUPREME INDS INC COMMON STOCK 868607102 11 1500 SH DEFINED 1500 0 0
SYLVAN FOODS HLDGS INC COMMON STOCK 871371100 21 2100 SH DEFINED 2100 0 0
SYMANTEC CORP COMMON STOCK 871503108 58 3400 SH DEFINED 3400 0 0
SYSCO COMMON STOCK 871829107 609 23150 SH DEFINED 9650 0 13500
SYSCO COMMON STOCK 871829107 211 8000 SH OTHER 8000 0 0
TANDY CORP COMMON STOCK 875382103 32 500 SH DEFINED 500 0 0
TANDYCRAFTS INC COMMON STOCK 875386104 8 3600 SH DEFINED 3600 0 0
TAVA TECHNOLOGIES INC COMMON STOCK 872169107 5 1000 SH DEFINED 1000 0 0
TCI SATELLITE ENTMT INC COMMON STOCK 872298104 0 200 SH DEFINED 200 0 0
TECHNICLONE CORP COMMON STOCK 878517309 8 8000 SH DEFINED 8000 0 0
TECHNITROL INC COMMON STOCK 878555101 143 6200 SH DEFINED 6200 0 0
TECO ENERGY COMMON STOCK 872375100 48 2400 SH DEFINED 2400 0 0
TELLABS INC COMMON STOCK 879664100 78 798 SH DEFINED 600 198 0
TENET HEALTHCARE CORP COMMON STOCK 88033G100 88 4660 SH DEFINED 0 160 4500
TENNECO INC NEW COMMON STOCK 88037E101 33 1177 SH DEFINED 1177 0 0
TENNECO INC NEW COMMON STOCK 88037E101 17 600 SH OTHER 600 0 0
TEXACO INC COM STK* COMMON STOCK 881694103 2186 38521 SH DEFINED 32671 0 5850
TEXAS INSTRUMENTS INC COM STK COMMON STOCK 882508104 35 350 SH DEFINED 0 0 350
TEXAS UTILITIES CO COM STK COMMON STOCK 882848104 491 11695 SH DEFINED 4295 100 7300
TEXTRON INC COMMON STOCK 883203101 418 5408 SH DEFINED 4208 0 1200
TIME WARNER, INC COMMON STOCK 887315109 1058 14945 SH DEFINED 13100 45 1800
TIMES MIRROR CO NEW COMMON STOCK 887364107 173 3200 SH DEFINED 3200 0 0
TIMKEN CO COMMON STOCK 887389104 62 3820 SH DEFINED 3820 0 0
TJX COS INC NEW COMMON STOCK 872540109 680 20000 SH DEFINED 20000 0 0
TORCHMARK CORP COMMON STOCK 891027104 66 2100 SH DEFINED 200 0 1900
TOSCO CORP COMMON STOCK 891490302 293 11820 SH DEFINED 0 0 11820
TOYOTA MTR CORP COMMON STOCK 892331307 57 1000 SH DEFINED 1000 0 0
TOYS R US COMMON STOCK 892335100 59 3158 SH DEFINED 2000 258 900
TRANS WORLD ENTMT CORP COMMON STOCK 89336Q100 55 5000 SH DEFINED 5000 0 0
TRANSAMERICA CORP COMMON STOCK 893485102 151 2120 SH DEFINED 250 70 1800
TRANSOCEAN OFFSHORE INC COMMON STOCK 893817106 14 500 SH DEFINED 500 0 0
TRANSPRO INC COMMON STOCK 893885103 2 375 SH DEFINED 375 0 0
TRANSWITCH CORP COMMON STOCK 894065101 199 4401 SH DEFINED 4401 0 0
TRIBUNE CO NEW COMMON STOCK 896047107 77 1175 SH DEFINED 1175 0 0
TRICO MARINE SVCS INC COMMON STOCK 896106101 1 100 SH DEFINED 0 0 100
TRICON GLOBAL RESTAURANTS INC COMMON STOCK 895953107 262 3736 SH DEFINED 1646 0 2090
TRICON GLOBAL RESTAURANTS INC COMMON STOCK 895953107 13 180 SH OTHER 180 0 0
TRINITY INDS INC COMMON STOCK 896522109 2 70 SH DEFINED 70 0 0
TUPPERWARE CORP COMMON STOCK 899896104 14 750 SH DEFINED 750 0 0
TUSCARORA INC COMMON STOCK 900902107 24 2000 SH DEFINED 2000 0 0
TV GUIDE INC. CLASS A COMMON STOCK 87307Q109 0 1 SH DEFINED 1 0 0
TYCO INTL LTD NEW COMMON STOCK 902124106 1984 27650 SH DEFINED 17759 416 9475
ULTRAMAR DIAMOND SHAMROCK CORP COMMON STOCK 904000106 30 1388 SH DEFINED 1388 0 0
UNICOM CORP COMMON STOCK 904911104 21 564 SH DEFINED 564 0 0
UNION CARBIDE CORP CAP STK* COMMON STOCK 905581104 110 2435 SH DEFINED 2435 0 0
UNION CARBIDE CORP CAP STK* COMMON STOCK 905581104 36 800 SH OTHER 800 0 0
UNION PAC RES GROUP INC COMMON STOCK 907834105 401 33786 SH DEFINED 10383 0 23403
UNION PACIFIC CORP COMMON STO* COMMON STOCK 907818108 918 17186 SH DEFINED 14569 0 2617
UNION PLANTERS CORP COMMON STOCK 908068109 439 10000 SH DEFINED 0 0 10000
UNIONBANCAL CORP COMMON STOCK 908906100 20 600 SH DEFINED 600 0 0
UNIPHASE CORP COMMON STOCK 909149106 253 2200 SH DEFINED 2200 0 0
UNISYS CORP COMMON STOCK 909214108 12 444 SH DEFINED 444 0 0
UNITED BANKSHARE, INC. COMMON STOCK 909907107 7538 329547 SH DEFINED 329547 0 0
UNITED BANKSHARE, INC. COMMON STOCK 909907107 1148 50176 SH OTHER 0 0 50176
UNITED DOMINION REALTY TR INC. COMMON STOCK 910197102 24 2300 SH DEFINED 700 0 1600
UNITED HEALTHCARE CORP COMMON STOCK 910581107 554 10535 SH DEFINED 3585 0 6950
UNITED TECHNOLOGIES CORP COMMO COMMON STOCK 913017109 945 6975 SH DEFINED 5765 0 1210
UNITIL CORP COMMON STOCK 913259107 12 500 SH DEFINED 500 0 0
UNIVERSAL CORP VA COMMON STOCK 913456109 82 3200 SH DEFINED 3200 0 0
UNOCAL CORPORATION COMMON STOCK 915289102 307 8315 SH DEFINED 0 0 8315
UNUM CORP COMMON STOCK 903192102 17 362 SH DEFINED 0 362 0
UROCOR INC COMMON STOCK 91727P105 2 400 SH DEFINED 400 0 0
US OFFICE PRODUCT COMMON STOCK 912325305 0 100 SH DEFINED 0 0 100
US WEST INC NEW COMMON STOCK 91273H101 2339 42472 SH DEFINED 37317 70 5085
US WEST INC NEW COMMON STOCK 91273H101 23 426 SH OTHER 426 0 0
USN COMMUNICATIONS INC COMMON STOCK 90336N204 1 2000 SH DEFINED 2000 0 0
UST INC COMMON STOCK 902911106 110 4200 SH DEFINED 0 0 4200
USWEB CORP COMMON STOCK 917327108 413 10000 SH DEFINED 10000 0 0
USX MARATHON GROUP COMMON STOCK 902905827 341 12403 SH DEFINED 5503 0 6900
USX-U S STL GROUP COMMON STOCK 90337T101 27 1140 SH DEFINED 1140 0 0
UTILICORP UTD INC COMMON STOCK 918005109 7 312 SH DEFINED 312 0 0
VALERO ENERGY CORP NEW COMMON STOCK 91913Y100 226 9100 SH DEFINED 0 0 9100
VENATOR GROUP INC COM COMMON STOCK 922944103 8 1087 SH DEFINED 1087 0 0
VENCOR INC NEW COMMON STOCK 92260R102 0 37 SH DEFINED 37 0 0
VENTAS INC COMMON STOCK 92276F100 0 37 SH DEFINED 37 0 0
VESTA INS GROUP INC COMMON STOCK 925391104 1 100 SH DEFINED 0 0 100
VIACOM INC NON VOTING CL B COMMON STOCK 925524308 289 6882 SH DEFINED 6882 0 0
VIACOM INC VOTING COMMON STOCK 925524100 36 872 SH DEFINED 872 0 0
VIAD CORP COMMON STOCK 92552R109 190 6818 SH DEFINED 6818 0 0
VIAD CORP COMMON STOCK 92552R109 15 554 SH OTHER 554 0 0
VISX INC DEL COMMON STOCK 92844S105 355 3300 SH DEFINED 3300 0 0
VWR SCIENTIFIC PRODS CORP COMMON STOCK 918435108 18 800 SH DEFINED 800 0 0
WACHOVIA CORP COMMON STOCK 929771103 5300 65276 SH DEFINED 64276 0 1000
WAL-MART STORES INC COMMON STOCK 931142103 983 10660 SH DEFINED 6260 0 4400
WAL-MART STORES INC COMMON STOCK 931142103 516 5600 SH OTHER 5600 0 0
WALGREEN COMPANY COMMON STOCK 931422109 1458 51600 SH DEFINED 51600 0 0
WALT DISNEY COMPANY THE COMMON STOCK 254687106 2325 74696 SH DEFINED 74396 0 300
WARNER LAMBERT COMPANY COMMON COMMON STOCK 934488107 1466 22134 SH DEFINED 16500 134 5500
WASHINGTON FED INC COMMON STOCK 938824109 162 7700 SH DEFINED 0 0 7700
WASHINGTON GAS LT CO COMMON STOCK 938837101 80 3530 SH DEFINED 3530 0 0
WASHINGTON MUT INC COMMON STOCK 939322103 1029 25163 SH DEFINED 13835 403 10925
WASHINGTON REAL ESTATE INVT TR COMMON STOCK 939653101 37 2250 SH DEFINED 2250 0 0
WASTE MGMT INC DEL COMMON STOCK 94106L109 235 5288 SH DEFINED 2464 0 2824
WASTE MGMT INC DEL COMMON STOCK 94106L109 16 362 SH OTHER 362 0 0
WATERS CORP COMMON STOCK 941848103 0 2 SH DEFINED 2 0 0
WEATHERFORD INTL INC NEW COM COMMON STOCK 947074100 2 68 SH DEFINED 68 0 0
WEINGARTEN RLTY INVS COMMON STOCK 948741103 75 1900 SH DEFINED 1900 0 0
WELLS FARGO & CO. (NEW) COMMON STOCK 949746101 1282 36562 SH DEFINED 29132 130 7300
WESBANCO INC COMMON STOCK 950810101 1297 43070 SH DEFINED 43070 0 0
WESTERN RESOURCES INC COMMON STOCK 959425109 18 663 SH DEFINED 663 0 0
WESTPAC BKG CORP COMMON STOCK 961214301 62 1700 SH DEFINED 1700 0 0
WESTPOINT STEVENS INC COMMON STOCK 961238102 0 2 SH DEFINED 2 0 0
WESTVACO COMMON STOCK* COMMON STOCK 961548104 338 16114 SH DEFINED 16114 0 0
WEYERHAEUSER COMMON STK COMMON STOCK 962166104 22 400 SH DEFINED 0 0 400
WHIRLPOOL CORP COM COMMON STOCK 963320106 77 1410 SH DEFINED 0 0 1410
WHITMAN CORP COMMON STOCK 96647K102 2 130 SH DEFINED 130 0 0
WILLIAMS COS INC COMMON STOCK 969457100 1823 46158 SH DEFINED 34436 0 11722
WILLIAMS COS INC COMMON STOCK 969457100 154 3900 SH OTHER 3900 0 0
WILMINGTON TR CORP COMMON STOCK 971807102 34 600 SH DEFINED 0 0 600
WINN DIXIE STORES INC COMMON STOCK 974280109 15 400 SH DEFINED 400 0 0
WISCONSIN ENERGY CORP COMMON STOCK 976657106 47 1800 SH DEFINED 1800 0 0
WORLDTEX INC COMMON STOCK 981907108 8 4500 SH DEFINED 4500 0 0
WORTHINGTON INDS INC COMMON STOCK 981811102 35 3000 SH DEFINED 3000 0 0
WPS RES CORP COMMON STOCK 92931B106 18 600 SH DEFINED 600 0 0
WVS FINL CORP COMMON STOCK 929358109 90 6000 SH DEFINED 6000 0 0
XEROX CORP COM STK COMMON STOCK 984121103 953 18275 SH DEFINED 15940 35 2300
YAHOO INC COMMON STOCK 984332106 985 5850 SH DEFINED 5850 0 0
YELLOW CORP COMMON STOCK 985509108 17 1000 SH DEFINED 1000 0 0
YORK INTL CORP NEW COMMON STOCK 986670107 57 1600 SH DEFINED 0 0 1600
3COM CORP COMMON STOCK 885535104 16 700 SH DEFINED 700 0 0
BETHLEHEM STL CORP $5.00 PFD PREFERRED STOCK 087509402 21 800 SH DEFINED N.A. N.A. N.A.
CAPSTEAD MTG CORP PREFERRED STOCK 14067E308 18 1500 SH DEFINED N.A. N.A. N.A.
RHONE POULENC S A PREFERRED STOCK 762426609 47 1065 SH DEFINED N.A. N.A. N.A.
ROYAL BK SCOTLAND GROUP PLC PF PREFERRED STOCK 780097887 149 6000 SH DEFINED N.A. N.A. N.A.
ROYAL BK SCOTLAND GROUP 9.50% PREFERRED STOCK 780097408 23 900 SH DEFINED N.A. N.A. N.A.
USX-MARATHON GROUP 3.25% CONV PREFERRED STOCK 902905819 10 200 SH DEFINED N.A. N.A. N.A.
CINCINNATI FINL CORP 5.500% 5 OTHER 172062AB7 47 20000 PRN DEFINED N.A. N.A. N.A.
INTEGRATED DEVICE TE 5.500% 6 OTHER 458118AA4 28 40000 PRN DEFINED N.A. N.A. N.A.
ORYX ENERGY CO 7.500% 5 OTHER 68763FAD2 99 100000 PRN DEFINED N.A. N.A. N.A.
RES-CARE INC 6.000% 12 OTHER 760943AA8 32 25000 PRN DEFINED N.A. N.A. N.A.
WMX TECH INC SUB NT 2.000% 1 OTHER 92929QAF4 4 4000 PRN DEFINED N.A. N.A. N.A.
ARMCO INC OTHER 042170209 1 50 SH DEFINED N.A. N.A. N.A.
AVISTA CORPORATION PFD CONV SE OTHER 05379B503 92 5400 SH DEFINED N.A. N.A. N.A.
AVISTA CORPORATION PFD CONV SE OTHER 05379B503 3 166 SH OTHER N.A. N.A. N.A.
MATEWAN BANCSHARES INC 7.50% P OTHER 576703201 34 900 SH DEFINED N.A. N.A. N.A.
SEALED AIR CORP NEW PFD CONV S OTHER 81211K209 23 471 SH DEFINED N.A. N.A. N.A.
ACM GOVT INCOME FD INC OTHER 000912105 4 450 SH DEFINED N.A. N.A. N.A.
AUSTRIA FD INC OTHER 052587102 40 4000 SH DEFINED N.A. N.A. N.A.
BLACKROCK NORTH AMERN GOVT INC OTHER 092475102 95 9500 SH DEFINED N.A. N.A. N.A.
BLACKROCK STRATEGIC TERM TR IN OTHER 09247P108 169 18400 SH DEFINED N.A. N.A. N.A.
BLACKROCK 2001 TERM TR INC OTHER 092477108 254 28200 SH DEFINED N.A. N.A. N.A.
CASTLE CONV FD INC OTHER 148443104 12 567 SH DEFINED N.A. N.A. N.A.
EIF AT & T EXCH 1 TAXABLE TRUS OTHER 294700703 89 500 SH DEFINED N.A. N.A. N.A.
EMERGING MKTS TELECOMMUNICATIO OTHER 290887108 17 1800 SH DEFINED N.A. N.A. N.A.
FIRST AUSTRALIA FD INC OTHER 318652104 21 2848 SH DEFINED N.A. N.A. N.A.
GERMANY FD INC OTHER 374143105 26 2000 SH DEFINED N.A. N.A. N.A.
GLOBAL HIGH INCOME DLR FD INC OTHER 37933G108 11 1000 SH DEFINED N.A. N.A. N.A.
HYPERION TOTAL RETURN FD INC OTHER 449145101 9 1100 SH DEFINED N.A. N.A. N.A.
HYPERION 1999 TERM TR INC OTHER 448913103 201 27700 SH DEFINED N.A. N.A. N.A.
HYPERION 2002 TERM TR INC OTHER 448915108 211 25000 SH DEFINED N.A. N.A. N.A.
ITALY FD INC OTHER 465395101 15 1000 SH DEFINED N.A. N.A. N.A.
MFS CHARTER INCOME TR OTHER 552727109 6 600 SH DEFINED N.A. N.A. N.A.
MFS GOVT MKTS INCOME TR OTHER 552939100 32 5000 SH DEFINED N.A. N.A. N.A.
NUVEEN PREMIER INSD MUN INCOME OTHER 670987106 65 4033 SH DEFINED N.A. N.A. N.A.
NUVEEN SELECT TAX-FREE INCOME OTHER 67062F100 33 2000 SH DEFINED N.A. N.A. N.A.
PIMCO COML MTG SECS TR INC OTHER 693388100 16 1203 SH DEFINED N.A. N.A. N.A.
SPAIN FD INC OTHER 846330108 43 3000 SH DEFINED N.A. N.A. N.A.
STANDARD AND POORS DEP RECPTS OTHER 78462F103 5 40 SH DEFINED N.A. N.A. N.A.
SWISS HELVETIA FD INC OTHER 870875101 85 6018 SH DEFINED N.A. N.A. N.A.
TEMPLETON EMERGING MKTS FD INC OTHER 880191101 32 2900 SH DEFINED N.A. N.A. N.A.
TRI CONTINENTAL CORP OTHER 895436103 74 2565 SH DEFINED N.A. N.A. N.A.
UNITED KINGDOM FD INC OTHER 910766104 1 96 SH DEFINED N.A. N.A. N.A.
ZWEIG FUND, INC OTHER 989834106 19 1800 SH DEFINED N.A. N.A. N.A.
APEX MUNI FUND OTHER 037580107 335 33250 SH DEFINED N.A. N.A. N.A.
DREYFUS STRATEGIC MUNS INC OTHER 261932107 48 5049 SH DEFINED N.A. N.A. N.A.
KEMPER MUNICIPAL INCOME TRUST OTHER 48842C104 10 800 SH DEFINED N.A. N.A. N.A.
MFS MUN INCOME TR OTHER 552738106 112 13000 SH DEFINED N.A. N.A. N.A.
MUNIVEST FD II INC OTHER 62629P105 569 40653 SH DEFINED N.A. N.A. N.A.
NUVEEN INSD MUN OPPORTUNITY FD OTHER 670984103 98 5936 SH DEFINED N.A. N.A. N.A.
NUVEEN INSD QUALITY MUN FD INC OTHER 67062N103 32 2000 SH DEFINED N.A. N.A. N.A.
NUVEEN MUN ADVANTAGE FD INC OTHER 67062H106 33 2000 SH DEFINED N.A. N.A. N.A.
NUVEEN MUN MKT OPPORTUNITY FD OTHER 67062W103 33 2000 SH OTHER N.A. N.A. N.A.
NUVEEN MUNICIPAL VALUE FUND OTHER 670928100 153 15500 SH DEFINED N.A. N.A. N.A.
NUVEEN PREM INCOME FUND OTHER 67062T100 150 10000 SH DEFINED N.A. N.A. N.A.
NUVEEN PREM INCOME MUN FD 2 IN OTHER 67063W102 22 1333 SH DEFINED N.A. N.A. N.A.
NUVEEN PREMIER MUN INCOME FD I OTHER 670988104 27 1700 SH DEFINED N.A. N.A. N.A.
NUVEEN QUALITY INCOME MUN FD I OTHER 670977107 20 1200 SH DEFINED N.A. N.A. N.A.
NUVEEN SELECT QUALITY MUN FD I OTHER 670973106 22 1400 SH DEFINED N.A. N.A. N.A.
NUVEEN SELECT QUALITY MUN FD I OTHER 670973106 32 2000 SH OTHER N.A. N.A. N.A.
NUVEEN SELECT TAX FREE INCOME OTHER 67063X100 61 3980 SH DEFINED N.A. N.A. N.A.
VAN KAMPEN AMERN CAP MUN OPPOR OTHER 920935103 27 1600 SH DEFINED N.A. N.A. N.A.
TRANS WORLD AIRLS INC OTHER 893349837 0 54 SH OTHER N.A. N.A. N.A.
AMERICAN REAL ESTATE PARTNERS OTHER 029169109 30 3661 SH DEFINED N.A. N.A. N.A.
TRANS WORLD AIRLS INC 8 OTHER 893349134 0 4 SH OTHER N.A. N.A. N.A.
WANG LABS INC NEW 7 OTHER 93369N117 0 16 SH DEFINED N.A. N.A. N.A.
ABB AB OTHER 00256Q103 114 9200 SH DEFINED 0 0 9200
ADR AXA-UAP OTHER 054536107 110 1655 SH DEFINED 0 0 1655
AEGON N V OTHER 007924103 1843 20504 SH DEFINED 20504 0 0
AKZO N V OTHER 010199305 72 1945 SH DEFINED 0 0 1945
ALCATEL OTHER 013904305 75 3300 SH DEFINED 0 0 3300
ASTRA AB OTHER 046298105 162 7066 SH DEFINED 0 0 7066
AUSTRALIA/NEW ZEALAND BKG GROU OTHER 052528304 149 4140 SH DEFINED 2000 0 2140
BANCO SANTANDER CHILE ADR OTHER 05965F108 60 4000 SH DEFINED 4000 0 0
BASS PUB LTD CO OTHER 069904209 0 14 SH OTHER 14 0 0
BP AMOCO P L C OTHER 055622104 20216 200156 SH DEFINED 200156 0 0
BRITISH STL PLC OTHER 111015301 50 2495 SH DEFINED 0 0 2495
BROKEN HILL PROPRIETARY LTD AD OTHER 112169602 38 2205 SH DEFINED 0 0 2205
CADBURY SCHWEPPES P L C OTHER 127209302 87 1500 SH DEFINED 1500 0 0
CANADIAN PAC LTD NEW OTHER 135923100 161 8215 SH DEFINED 0 695 7520
COMCAST CORP CLA SPECIAL OTHER 200300200 206 3276 SH DEFINED 3276 0 0
COMPANIA ANONIMA ADR OTHER 204421101 16 905 SH DEFINED 0 0 905
CREDICORP LTD ADR OTHER G2519Y108 25 2565 SH DEFINED 0 0 2565
CRISTALERIAS DE CHILE S A ADR OTHER 226714103 80 5570 SH DEFINED 0 0 5570
DAIMLER-CHRYSLER AG OTHER D1668R123 174 2030 SH DEFINED 1408 0 622
DE BEERS CONS MINES LTD OTHER 240253302 71 3765 SH DEFINED 0 0 3765
DIAGEO PLC NEW OTHER 25243Q205 202 4415 SH DEFINED 0 0 4415
ELAN PLC OTHER 284131208 741 10625 SH DEFINED 9950 0 675
ELF AQUITAINE OTHER 286269105 350 5205 SH DEFINED 0 0 5205
ENDESA S A OTHER 29258N107 12 500 SH DEFINED 500 0 0
ERICSSON L M TEL CO OTHER 294821400 1238 52001 SH DEFINED 51201 0 800
FLETCHER CHALLENGE BLDG SI ADR OTHER 339317109 49 3680 SH DEFINED 0 0 3680
FLETCHER CHALLENGE ENERGY DIV OTHER 339318107 42 2208 SH DEFINED 0 0 2208
FRESENIUS MED CARE OTHER 358029106 21 1040 SH DEFINED 1040 0 0
GALLAHER GROUP PLC OTHER 363595109 75 3188 SH DEFINED 3188 0 0
GENER S A ADR OTHER 368731105 63 3445 SH DEFINED 0 0 3445
GLAXO PLC OTHER 37733W105 448 6700 SH DEFINED 6700 0 0
GLAXO PLC OTHER 37733W105 27 400 SH OTHER 400 0 0
GRUPO IMSA S A DE C V ADR OTHER 40048T106 40 2515 SH DEFINED 0 0 2515
GUANGSHEN RY LTD OTHER 40065W107 63 11200 SH DEFINED 0 0 11200
HANSON PLC OTHER 411352404 139 3152 SH DEFINED 52 0 3100
HITACHI LTD OTHER 433578507 24 335 SH DEFINED 335 0 0
HOECHST A G OTHER 434390308 174 4000 SH DEFINED 4000 0 0
HONG KONG TELECOMMUNICATIONS L OTHER 438579203 58 2965 SH DEFINED 0 0 2965
ING GROEP N V OTHER 456837103 111 2015 SH DEFINED 1000 0 1015
IPC HLDGS LTD OTHER G4933P101 20 1000 SH DEFINED 0 0 1000
ISPAT INTL N V ADR OTHER 464899103 22 3015 SH DEFINED 0 0 3015
KONINKLIJKE PHILIPS ELECTRONIC OTHER 500472105 552 6690 SH DEFINED 1700 0 4990
LUCASVARITY PLC OTHER 549395101 146 3147 SH DEFINED 0 47 3100
MADECO S A OTHER 556304103 23 2508 SH DEFINED 0 0 2508
MAKITA CORP OTHER 560877300 109 9660 SH DEFINED 0 0 9660
NATIONAL AUSTRALIA BK LTD OTHER 632525408 36 395 SH DEFINED 0 0 395
NATIONAL WESTMINSTER BK PLC OTHER 638539403 207 1510 SH DEFINED 1000 0 510
NEW HOLLAND N V ORD OTHER N62648105 62 6025 SH DEFINED 0 0 6025
NEWS CORP LTD OTHER 652487802 151 5500 SH DEFINED 0 0 5500
NIPPON TELEG & TEL CORP OTHER 654624105 78 1600 SH DEFINED 0 0 1600
NORSK HYDRO A S OTHER 656531605 207 5130 SH DEFINED 0 0 5130
NORTEL INVERSORA S A ADR OTHER 656567401 20 1415 SH DEFINED 0 0 1415
NORTHERN TELECOM LTD OTHER 665815106 86 1385 SH DEFINED 1385 0 0
NYCOMED AMERSHAM PLC OTHER 67066H102 40 930 SH DEFINED 0 0 930
PACIFIC DUNLOP LTD OTHER 694185208 143 20925 SH DEFINED 0 0 20925
PECHINEY ADR OTHER 705151207 50 2800 SH DEFINED 0 0 2800
POHANG IRON & STL LTD OTHER 730450103 23 1306 SH DEFINED 0 0 1306
POWERGEN PLC OTHER 738905405 43 937 SH DEFINED 0 0 937
RANK GROUP PLC ADR OTHER 753037100 84 10865 SH DEFINED 0 0 10865
RAUMA OY ADR OTHER 754183101 33 2770 SH DEFINED 0 0 2770
REED INTL PLC OTHER 758212872 57 1600 SH DEFINED 0 0 1600
REPSOL S A OTHER 76026T205 164 3205 SH DEFINED 0 0 3205
REUTERS GROUP PLC OTHER 76132M102 15 173 SH DEFINED 173 0 0
ROYAL BK CDA MONTREAL QUE OTHER 780087102 71 1500 SH DEFINED 1500 0 0
ROYAL DUTCH PETE COGLDR 1.25 OTHER 780257804 1251 24064 SH DEFINED 22764 0 1300
SAP AKTIENGESELLSCHAFT OTHER 803054204 87 3300 SH DEFINED 3300 0 0
SCOR OTHER 80917Q106 161 3160 SH DEFINED 0 0 3160
SEAGRAM LTD COM STK* OTHER 811850106 2435 48708 SH DEFINED 48708 0 0
SHANDONG HUANENG PWR DEV LTD OTHER 819419102 10 2705 SH DEFINED 0 0 2705
SMITHKLINE BEECHAM P L C OTHER 832378301 272 3800 SH DEFINED 1200 0 2600
SOCIEDAD QUIMICA MINERA DE ADR OTHER 833635105 30 925 SH DEFINED 0 0 925
SONY CORP OTHER 835699307 207 2270 SH DEFINED 1470 0 800
TELECOMUNICACOES BRASILEIRAS S OTHER 879287308 85 1060 SH DEFINED 0 0 1060
TELEFONOS DE MEXICO S A ADS OTHER 879403780 66 1000 SH DEFINED 1000 0 0
TEVA PHARMACEUTICAL INDS LTD OTHER 881624209 161 3385 SH DEFINED 2000 0 1385
TOTAL S A OTHER 89151E109 92 1500 SH DEFINED 1500 0 0
UNILEVER OTHER 904784501 100 1500 SH DEFINED 1500 0 0
VALMET CORP ADR OTHER 920232303 37 1605 SH DEFINED 0 0 1605
VEBA AG ADR OTHER 92239H102 123 2355 SH DEFINED 0 0 2355
VODAFONE GROUP PLC SPONSORED A OTHER 92857T107 0 1 SH DEFINED 1 0 0
VOLVO AKTIEBOLAGET OTHER 928856400 100 3860 SH DEFINED 0 0 3860
WMC LTD ADR OTHER 928947100 36 2790 SH DEFINED 0 0 2790
XL CAPITAL LTD CLASS A OTHER G98255105 167 2750 SH DEFINED 0 145 2605
YPF SOCIEDAD ANONIMA OTHER 984245100 247 7835 SH DEFINED 0 0 7835
</TABLE>
