UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
" WASHINGTON, D.C. 20549"
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 6/30/99
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 7/3/99"
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: 1081
"FORM 13F INFORMATION TABLE VALUE TOTAL: $681,974"
<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 6633 118850 SH DEFINED 104539 120 14191
A T&T COMMON STOCK 001957109 331 5926 SH OTHER 5176 0 750
ABBOTT LABORATORIES COMMON STOCK 002824100 2045 45073 SH DEFINED 38583 0 6490
ABERCROMBIE & FITCH CO COMMON STOCK 002896207 9 190 SH DEFINED 190 0 0
ADAMS EXPRESS CO COMMON STOCK 006212104 58 2000 SH DEFINED 2000 0 0
ADAPTEC INC COMMON STOCK 00651F108 145 4100 SH DEFINED 0 0 4100
ADVANCED TECHNICAL PRODS INC COMMON STOCK 007548100 4 300 SH DEFINED 300 0 0
AETNA INC COMMON STOCK 008117103 199 2230 SH DEFINED 450 0 1780
AFLAC INC COMMON STOCK 001055102 163 3410 SH DEFINED 600 210 2600
AGL RES INC COMMON STOCK 001204106 65 3550 SH DEFINED 3550 0 0
AGRIBRANDS INTL INC COMMON STOCK 00849R105 34 852 SH DEFINED 852 0 0
AGRIUM INC COMMON STOCK 008916108 47 5355 SH DEFINED 0 0 5355
AIR PRODUCTS & CHEMICAL COMMON STOCK 009158106 233 5800 SH DEFINED 1200 0 4600
AIRTOUCH COMMUNICATIONS COMMON STOCK 00949T100 2593 24085 SH DEFINED 23396 177 512
AIRTOUCH COMMUNICATIONS COMMON STOCK 00949T100 148 1378 SH OTHER 1378 0 0
ALBANY INTL CORP NEW COMMON STOCK 012348108 66 3162 SH DEFINED 3162 0 0
ALBERTSONS COMMON STOCK 013104104 1267 24572 SH DEFINED 24356 216 0
ALBERTSONS COMMON STOCK 013104104 155 3000 SH OTHER 3000 0 0
"ALCOA, INC. COMMON STOCK 013817101 161 2606 SH DEFINED 6 0 2600"
ALKERMES INC COMMON STOCK 01642T108 7 300 SH DEFINED 300 0 0
ALLEGHENY ENERGY COMMON STOCK 017361106 2975 92788 SH DEFINED 92188 0 600
ALLEGHENY ENERGY COMMON STOCK 017361106 101 3164 SH OTHER 3164 0 0
ALLIANCE CAP MGMT L P COMMON STOCK 018548107 456 14100 SH DEFINED 14100 0 0
"ALLIED SIGNAL, INC. COMMON STOCK 019512102 339 5382 SH DEFINED 5382 0 0"
ALLSTATE CORP COMMON STOCK 020002101 1005 28005 SH DEFINED 15280 0 12725
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 81 650 SH DEFINED 150 0 500
AMB PPTY CORP COMMON STOCK 00163T109 24 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 756 19710 SH DEFINED 19610 0 100
AMEREN CORP COM COMMON STOCK 023608102 10 250 SH OTHER 250 0 0
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 4459 40534 SH DEFINED 25250 66 15218
AMERICAN BUSINESS PRODS INC GA COMMON STOCK 024763104 14 900 SH DEFINED 900 0 0
AMERICAN EAGLE OUTFITTERS COMM COMMON STOCK 02553E106 205 4500 SH DEFINED 4500 0 0
AMERICAN ELECTR PWR CO INC COM COMMON STOCK 025537101 1549 41235 SH DEFINED 41005 0 230
AMERICAN ELECTR PWR CO INC COM COMMON STOCK 025537101 20 523 SH OTHER 523 0 0
AMERICAN EXPRESS CO COM STK* COMMON STOCK 025816109 1298 9977 SH DEFINED 9602 0 375
AMERICAN GENERAL CORPORATION COMMON STOCK 026351106 166 2198 SH DEFINED 967 131 1100
AMERICAN GREETINGS CORP COMMON STOCK 026375105 63 2100 SH DEFINED 0 0 2100
AMERICAN HOME PRODUCTS CORP CA COMMON STOCK 026609107 5509 96014 SH DEFINED 89850 189 5975
AMERICAN HOME PRODUCTS CORP CA COMMON STOCK 026609107 55 960 SH OTHER 0 0 960
AMERICAN INTERNATIONAL GROUP* COMMON STOCK 026874107 1544 13167 SH DEFINED 7165 122 5880
AMERICAN PRECISION INDS INC COMMON STOCK 029069101 58 5400 SH DEFINED 5400 0 0
AMERICAN STD COS INC DEL COMMON STOCK 029712106 158 3300 SH DEFINED 0 0 3300
AMERICAN SYS WTR CO COM COMMON STOCK 029899101 96 3400 SH DEFINED 3400 0 0
AMERICAN WATER WORKS CO INC* COMMON STOCK 030411102 920 29920 SH DEFINED 29600 0 320
AMERICAN WOODMARK CORP COMMON STOCK 030506109 71 2000 SH DEFINED 2000 0 0
AMERICREDIT CORP COMMON STOCK 03060R101 10 600 SH DEFINED 600 0 0
AMERITECH CORP NEW COMMON STOCK 030954101 3549 48286 SH DEFINED 46558 0 1728
AMERITECH CORP NEW COMMON STOCK 030954101 22 300 SH OTHER 300 0 0
AMERITRADE HLDG CORP COMMON STOCK 03072H109 159 1500 SH DEFINED 0 0 1500
AMERUS LIFE HLDGS INC COMMON STOCK 030732101 36 1336 SH DEFINED 1336 0 0
AMGEN INC COMMON STOCK 031162100 191 3140 SH DEFINED 2150 190 800
AMR CORP DEL COMMON STOCK 001765106 215 3150 SH DEFINED 0 50 3100
ANGELICA CORP COMMON STOCK 034663104 60 3400 SH DEFINED 3400 0 0
ANHEUSER-BUSCH INC COM STK* COMMON STOCK 035229103 121 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 32 1000 SH DEFINED 1000 0 0
AON CORP COMMON STOCK 037389103 1726 41845 SH DEFINED 41845 0 0
APOGEE ENTERPRISES INC COMMON STOCK 037598109 16 1200 SH DEFINED 1200 0 0
APPLE COMPUTER INC* COMMON STOCK 037833100 19 400 SH DEFINED 400 0 0
APPLEBEES INTL INC COMMON STOCK 037899101 21 700 SH DEFINED 0 0 700
APPLIED MAGNETICS CORP COMMON STOCK 038213104 2 597 SH DEFINED 0 0 597
APPLIED MATLS INC COMMON STOCK 038222105 30 400 SH DEFINED 0 0 400
AQUARION CO COMMON STOCK 03838W101 150 4290 SH DEFINED 4290 0 0
ARCHER DANIEL MIDLAND COMMON STOCK 039483102 74 4788 SH DEFINED 4788 0 0
ARCHSTONE CMNTYS TR SH BEN INT COMMON STOCK 039581103 15 700 SH DEFINED 0 0 700
ARMCO INC* COMMON STOCK 042170100 26 3999 SH DEFINED 3999 0 0
ARMSTRONG WORLD IND INC. COMMON STOCK 042476101 23 400 SH DEFINED 400 0 0
ARROW ELECTRS INC COMMON STOCK 042735100 2 130 SH DEFINED 0 130 0
ASCENT ENTMT GROUP INC COMMON STOCK 043628106 6 391 SH DEFINED 391 0 0
ASHLAND INC COMMON STOCK 044204105 154 3842 SH DEFINED 3842 0 0
ASSOCIATES FIRST CAP CORP COMMON STOCK 046008108 190 4308 SH DEFINED 4213 95 0
ASTORIA FINL CORP COMMON STOCK 046265104 7 170 SH DEFINED 170 0 0
AT & T CORP LIBERTY MEDIA COMMON STOCK 001957208 4 115 SH DEFINED 0 115 0
AT HOME CORP COMMON STOCK 045919107 45 837 SH DEFINED 837 0 0
ATLANTIC RICHFIELD CO COM STK COMMON STOCK 048825103 645 7717 SH DEFINED 7517 0 200
ATRION CORP COMMON STOCK 049904105 38 4044 SH DEFINED 4044 0 0
AUTOLIV INC COMMON STOCK 052800109 76 2506 SH DEFINED 136 0 2370
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 982 22315 SH DEFINED 20815 0 1500
AUTONATION INC COMMON STOCK 05329W102 68 3825 SH DEFINED 0 0 3825
AUTOZONE INC COMMON STOCK 053332102 229 7600 SH DEFINED 0 0 7600
"AVADO BRANDS, INC. COMMON STOCK 05336P108 8 1000 SH DEFINED 0 0 1000"
AVALONBAY CMNTYS INC COMMON STOCK 053484101 6 150 SH DEFINED 0 0 150
AVERY DENNISON CORP COMMON STOCK 053611109 23 375 SH DEFINED 375 0 0
AVID TECHNOLOGY INC COMMON STOCK 05367P100 48 3000 SH DEFINED 3000 0 0
AVON PRODS INC COMMON STOCK 054303102 625 11265 SH DEFINED 7490 75 3700
BACOU USA INC COMMON STOCK 056439102 7 400 SH DEFINED 400 0 0
BAKER-FENTRESS + CO COM STK* COMMON STOCK 057213100 43 2267 SH DEFINED 2267 0 0
BALDWIN TECHNOLOGY INC COMMON STOCK 058264102 29 10000 SH DEFINED 10000 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 2030 27683 SH DEFINED 15762 226 11695
BANK OF NEW YORK COMMON STOCK 064057102 872 23760 SH DEFINED 23760 0 0
BANK ONE CORP COM COMMON STOCK 06423A103 4990 83776 SH DEFINED 73924 0 9852
BANK ONE CORP COM COMMON STOCK 06423A103 751 12614 SH OTHER 0 12614 0
BANKBOSTON CORP COMMON STOCK 06605R106 172 3370 SH DEFINED 800 170 2400
BANKNORTH GROUP INC DEL COMMON STOCK 06646L100 30 900 SH DEFINED 900 0 0
BATTLE MOUNTAIN GOLD COMMON COMMON STOCK 071593107 2 900 SH DEFINED 900 0 0
BAXTER INT'L INC COM COMMON STOCK 071813109 619 10215 SH DEFINED 9576 239 400
BB & T CORP COMMON STOCK 054937107 21 580 SH DEFINED 580 0 0
BCE INC COMMON STOCK 05534B109 30 600 SH DEFINED 600 0 0
BEAR STEARNS COS INC COMMON STOCK 073902108 28 606 SH DEFINED 606 0 0
BEC ENERGY COMMON STOCK 05538M101 20 492 SH DEFINED 492 0 0
BECTON DICKINSON COMMON STOCK 075887109 225 7505 SH DEFINED 0 205 7300
BEDFORD PPTY INVS INC COMMON STOCK 076446301 107 6000 SH DEFINED 6000 0 0
BELL ATLANTIC COMMON STOCK 077853109 8536 130572 SH DEFINED 120242 0 10330
BELL ATLANTIC COMMON STOCK 077853109 225 3442 SH OTHER 3442 0 0
BELLSOUTH COMMON STOCK 079860102 7617 165129 SH DEFINED 162997 0 2132
BELLSOUTH COMMON STOCK 079860102 141 3064 SH OTHER 3064 0 0
BERGIN BRUNSWIG COMMON STOCK 083739102 35 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 85 38 SH DEFINED 17 0 21
BESTFOODS COM STK* COMMON STOCK 08658U101 125 2529 SH DEFINED 2464 65 0
BESTFOODS COM STK* COMMON STOCK 08658U101 40 800 SH OTHER 800 0 0
BHA GROUP HLDGS INC COMMON STOCK 055446108 21 2500 SH DEFINED 2500 0 0
BIOGEN INC COMMON STOCK 090597105 35 550 SH DEFINED 0 0 550
BIOMATRIX INC COMMON STOCK 09060P102 26 1200 SH DEFINED 1200 0 0
BIOMET INC COMMON STOCK 090613100 20 500 SH DEFINED 0 0 500
BIOMIRA INC COMMON STOCK 09161R106 1 200 SH DEFINED 0 0 200
BLACK HILLS CORP COMMON STOCK 092113109 44 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 32 1200 SH DEFINED 1200 0 0
BMC SOFTWARE INC COMMON STOCK 055921100 102 1885 SH DEFINED 0 0 1885
BOB EVANS FARMS COMMON STOCK 096761101 150 7554 SH DEFINED 7554 0 0
BODDIE-NOELL PPTYS INC COMMON STOCK 096903109 75 6500 SH DEFINED 6500 0 0
BOEING CO CAP STK* COMMON STOCK 097023105 555 12616 SH DEFINED 4872 214 7530
BOEING CO CAP STK* COMMON STOCK 097023105 18 400 SH OTHER 400 0 0
BOGEN COMMUNICATIONS INTL INCO COMMON STOCK 097189104 11 1700 SH DEFINED 1700 0 0
BOWATER INC COMMON STOCK 102183100 62 1300 SH DEFINED 0 0 1300
BOYKIN LODGING CO COMMON STOCK 103430104 35 2300 SH DEFINED 2300 0 0
BRE PPTYS INC COMMON STOCK 05564E106 140 5378 SH DEFINED 4028 0 1350
BRIGGS & STRATTON CORP COMMON STOCK 109043109 46 800 SH DEFINED 800 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 13543 192266 SH DEFINED 180850 90 11326
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 296 4200 SH OTHER 4200 0 0
BROADCAST COM INC COMMON STOCK 111310108 118 880 SH DEFINED 220 0 660
BROADVISION INC COMMON STOCK 111412102 413 5600 SH DEFINED 5600 0 0
BROOKS AUTOMATION INC COMMON STOCK 11434A100 238 8800 SH DEFINED 8800 0 0
BROOKTROUT INC. COMMON STOCK 114580103 10 647 SH DEFINED 0 0 647
BROWNING FERRIS INDUSTRIES COMMON STOCK 115885105 120 2800 SH DEFINED 0 0 2800
BRUSH WELLMAN INC COMMON STOCK 117421107 94 5200 SH DEFINED 5200 0 0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK 12189T104 1336 43108 SH DEFINED 37108 0 6000
BURLINGTON RESOURCES COMMON STOCK 122014103 853 19730 SH DEFINED 17730 0 2000
C & D TECHNOLOGIES INC COMMON STOCK 124661109 123 4000 SH DEFINED 4000 0 0
C-CUBE MICROSYSTEMS INC COMMON STOCK 125015107 16 500 SH DEFINED 500 0 0
CABLETRON SYS INC COMMON STOCK 126920107 13 1000 SH DEFINED 0 0 1000
CABLEVISION SYS CORP COMMON STOCK 12686C109 287 4100 SH DEFINED 4100 0 0
CALLAWAY GOLF CO COMMON STOCK 131193104 72 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 83 3000 SH DEFINED 3000 0 0
CAPITAL ONE FINL CORP COMMON STOCK 14040H105 401 7200 SH DEFINED 7200 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 156 2434 SH DEFINED 2334 0 100
CARLISLE COS INC COMMON STOCK 142339100 96 2000 SH DEFINED 2000 0 0
CARLISLE HOLDINGS LTD. COMMON STOCK P21277101 22 1500 SH DEFINED 1500 0 0
CAROLINA POWER + LIGHT CO COM COMMON STOCK 144141108 188 4398 SH DEFINED 4398 0 0
CAROLINA POWER + LIGHT CO COM COMMON STOCK 144141108 43 1000 SH OTHER 0 0 1000
CATELLUS DEV CORP COMMON STOCK 149111106 1 36 SH DEFINED 36 0 0
CATERPILLAR INC. COMMON STOCK 149123101 345 5750 SH DEFINED 1480 165 4105
CATERPILLAR INC. COMMON STOCK 149123101 17 284 SH OTHER 284 0 0
"CBRL GROUP, INC. COM COMMON STOCK 12489V106 59 3387 SH DEFINED 1687 0 1700"
CBS CORP COMMON STOCK 12490K107 10 240 SH DEFINED 240 0 0
CENDANT CORP COMMON STOCK 151313103 167 8160 SH DEFINED 2000 0 6160
CENTERPOINT PROPERTIES TRUST COMMON STOCK 151895109 147 4000 SH DEFINED 4000 0 0
CENTRAL & SOUTHWEST CORP* COMMON STOCK 152357109 149 6380 SH DEFINED 6380 0 0
CENTRAL GARDEN & PET CO COMMON STOCK 153527106 29 2800 SH DEFINED 2800 0 0
CFW COMMUNICATIONS CO COMMON STOCK 124923103 73 3000 SH DEFINED 3000 0 0
CHAMPION ENTERPRISES INC COMMON STOCK 158496109 11 600 SH DEFINED 600 0 0
CHAMPION INDS INC COMMON STOCK 158520106 27 3436 SH DEFINED 2439 0 997
CHAMPION INDS INC COMMON STOCK 158520106 15 1952 SH OTHER 1952 0 0
CHAMPION INTL CORP COMMON STOCK 158525105 4 75 SH DEFINED 0 75 0
CHANCELLOR MEDIA CORP COMMON STOCK 158915108 77 1400 SH DEFINED 0 0 1400
CHARTWELL RE CORP COMMON STOCK 16139W109 7 400 SH DEFINED 400 0 0
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 840 9710 SH DEFINED 5085 0 4625
CHEMFAB CORP COMMON STOCK 16361L102 51 2800 SH DEFINED 2800 0 0
CHEVRON COMMON STOCK 166751107 1156 12164 SH DEFINED 9984 0 2180
CHEVRON COMMON STOCK 166751107 184 1932 SH OTHER 1932 0 0
CHILDRENS PL RETAIL STORES INC COMMON STOCK 168905107 231 5700 SH DEFINED 5700 0 0
CHIRON CORP COMMON STOCK 170040109 24 1150 SH DEFINED 1150 0 0
CHOICE HOTELS INTL INC COMMON STOCK 169905106 4 200 SH DEFINED 200 0 0
CHOICEPOINT INC COMMON STOCK 170388102 4 60 SH DEFINED 60 0 0
CHUBB CORP COMMON STOCK 171232101 224 3225 SH DEFINED 1625 0 1600
CIGNA CORP COMMON STOCK 125509109 280 3150 SH DEFINED 1450 0 1700
CINCINNATI BELL COMMON STOCK 171870108 165 6634 SH DEFINED 6634 0 0
CINCINNATI FINANCIAL CORP COMMON STOCK 172062101 56 1504 SH DEFINED 504 0 1000
CINERGY CORP COMMON STOCK 172474108 119 3723 SH DEFINED 3723 0 0
CINTAS CORP COMMON STOCK 172908105 202 3000 SH DEFINED 0 0 3000
CIRCUIT CITY STORES COMMON STOCK 172737108 265 2850 SH DEFINED 200 0 2650
CISCO SYS INC COMMON STOCK 17275R102 6100 94661 SH DEFINED 73588 217 20856
CISCO SYS INC COMMON STOCK 17275R102 13 200 SH OTHER 0 0 200
CIT GROUP INC COMMON STOCK 125577106 269 9300 SH DEFINED 9300 0 0
CITIGROUP INC COMMON STOCK 172967101 2992 62989 SH DEFINED 45250 527 17212
CITRIX SYS INC COMMON STOCK 177376100 175 3100 SH DEFINED 3100 0 0
CITY HOLDING COMMON STOCK 177835105 5482 189033 SH DEFINED 162922 2634 23477
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK 184502102 23 335 SH DEFINED 0 0 335
CLECO CORP COMMON STOCK 12561M107 23 768 SH DEFINED 0 0 768
CLOROX CO COMMON STOCK 189054109 388 3630 SH DEFINED 3300 0 330
CLOROX CO COMMON STOCK 189054109 11 100 SH OTHER 0 0 100
CMGI INC. COMMON STOCK 125750109 323 2830 SH DEFINED 2590 0 240
CNET INC COMMON STOCK 125945105 426 7400 SH DEFINED 4600 0 2800
COASTAL CORP COMMON STOCK 190441105 434 10784 SH DEFINED 1784 0 9000
COCA COLA BOTTLING CO CONS COMMON STOCK 191098102 22 400 SH DEFINED 400 0 0
COCA COLA ENTERPRISES INC COMMON STOCK 191219104 208 7000 SH DEFINED 0 0 7000
COCA-COLA CO COM STK* COMMON STOCK 191216100 8670 139845 SH DEFINED 138844 76 925
COLD METAL PRODS INC COMMON STOCK 192861102 12 4500 SH DEFINED 4500 0 0
COLGATE-PALMOLIVE CO COM STK COMMON STOCK 194162103 411 8340 SH DEFINED 7860 0 480
COLUMBIA / HCA HEALTHCARE CORP COMMON STOCK 197677107 300 13150 SH DEFINED 0 0 13150
COLUMBIA ENERGY GROUP COMMON STOCK 197648108 368 5873 SH DEFINED 5873 0 0
COLUMBUS MCKINNON CORP N Y COMMON STOCK 199333105 118 4900 SH DEFINED 4900 0 0
COMCAST CORP CL A COMMON STOCK 200300101 29 800 SH DEFINED 800 0 0
COMERICA INC COMMON STOCK 200340107 226 3800 SH DEFINED 0 0 3800
COMMERCE BANCSHARES INC COMMON STOCK 200525103 0 6 SH DEFINED 0 0 6
COMMONWEALTH ENERGY SYSTEM COMMON STOCK 202800108 90 2150 SH DEFINED 2150 0 0
COMMUNITY TR BANCORP INC COMMON STOCK 204149108 64 2722 SH DEFINED 2722 0 0
COMPAQ COMPUTER COMMON STOCK 204493100 573 24172 SH DEFINED 9000 572 14600
COMPASS BANCSHARES INC COMMON STOCK 20449H109 170 6250 SH DEFINED 6250 0 0
COMPUTER ASSOCIATES COMMON STOCK 204912109 742 13554 SH DEFINED 1965 304 11285
COMPUTER SCIENCE COMMON STOCK 205363104 3127 45200 SH DEFINED 40570 330 4300
COMPUWARE CORP COMMON STOCK 205638109 70 2205 SH DEFINED 0 130 2075
COMSAT CORP COMMON STOCK 20564D107 26 800 SH DEFINED 800 0 0
"CONAGRA, INC. COMMON STOCK 205887102 85 3200 SH DEFINED 400 0 2800"
CONCORD CAMERA CORP COMMON STOCK 206156101 12 2300 SH DEFINED 2300 0 0
CONECTIV INC COMMON STOCK 206829103 86 3519 SH DEFINED 3519 0 0
CONECTIV INC COMMON STOCK 206829202 8 187 SH DEFINED 187 0 0
CONEXANT SYS INC COMMON STOCK 207142100 66 1134 SH DEFINED 834 0 300
CONEXANT SYS INC COMMON STOCK 207142100 87 1500 SH OTHER 1500 0 0
CONOCO INC COMMON STOCK 208251306 371 13300 SH DEFINED 13300 0 0
CONS NATURAL GAS CO CAP STK COMMON STOCK 209615103 331 5456 SH DEFINED 4256 0 1200
CONSECO INC COMMON STOCK 208464107 217 7115 SH DEFINED 0 115 7000
CONSOLIDATED EDISON INC. COM COMMON STOCK 209115104 213 4704 SH DEFINED 4704 0 0
CONSTELLATION ENERGY GROUP COMMON STOCK 210371100 77 2596 SH DEFINED 2596 0 0
CONSTELLATION ENERGY GROUP COMMON STOCK 210371100 11 373 SH OTHER 373 0 0
CONVERGYS CORP COMMON STOCK 212485106 55 2850 SH DEFINED 2850 0 0
COOPER INDUSTRIES* COMMON STOCK 216669101 29 560 SH DEFINED 560 0 0
COOPER TIRE & RUBR CO COMMON STOCK 216831107 118 5000 SH DEFINED 2000 0 3000
CORN PRODS INTL INC COMMON STOCK 219023108 9 308 SH DEFINED 308 0 0
CORN PRODS INTL INC COMMON STOCK 219023108 3 100 SH OTHER 100 0 0
CORNING INC COMMON STOCK 219350105 14 200 SH DEFINED 200 0 0
CORRPRO COS INC COMMON STOCK 220317101 2 200 SH DEFINED 200 0 0
COTTON STS LIFE & HEALTH INS C COMMON STOCK 221774102 40 3250 SH DEFINED 3250 0 0
COUNTRYWIDE CR INDS INC COMMON STOCK 222372104 79 1850 SH DEFINED 0 0 1850
COX COMMUNICATIONS INC NEW COMMON STOCK 224044107 257 6976 SH DEFINED 6976 0 0
CPAC INC COMMON STOCK 126145101 13 1600 SH DEFINED 1600 0 0
CRANE CO COMMON STOCK 224399105 325 10350 SH DEFINED 2000 0 8350
CREDENCE SYS CORP DEL COMMON STOCK 225302108 30 800 SH DEFINED 800 0 0
CRESTLINE CAP CORP COMMON STOCK 226153104 12 700 SH DEFINED 700 0 0
CROWN CORK & SEAL INC COMMON STOCK 228255105 60 2100 SH DEFINED 1000 0 1100
CROWN VANTAGE INC COMMON STOCK 228622106 0 10 SH DEFINED 10 0 0
CSS INDS INC COMMON STOCK 125906107 124 4400 SH DEFINED 4400 0 0
CSX CORPORATION* COMMON STOCK 126408103 1180 26005 SH DEFINED 24645 0 1360
CSX CORPORATION* COMMON STOCK 126408103 114 2504 SH OTHER 2504 0 0
CURTISS WRIGHT CORP COMMON STOCK 231561101 19 500 SH DEFINED 500 0 0
CVS CORP* COMMON STOCK 126650100 679 13375 SH DEFINED 12075 100 1200
CYPRUS AMAX MINERALS CO COMMON STOCK 232809103 9 561 SH DEFINED 561 0 0
CYTEC INDS INC COMMON STOCK 232820100 32 1026 SH DEFINED 1026 0 0
CYTOCLONAL PHARMACEUTICS INC COMMON STOCK 23282G105 5 740 SH DEFINED 740 0 0
DANA CORP COMMON STOCK 235811106 70 1523 SH DEFINED 0 222 1301
DARDEN RESTAURANTS INC COMMON STOCK 237194105 20 900 SH DEFINED 900 0 0
DATA BROADCASTING CORP COMMON STOCK 237596101 3 300 SH DEFINED 0 0 300
DAYTON HUDSON CORP COMMON STOCK 239753106 1296 19935 SH DEFINED 12585 300 7050
DAYTON POWER/DPL COMMON STOCK 233293109 6 337 SH DEFINED 337 0 0
DELL COMPUTER CORP COMMON STOCK 247025109 407 11010 SH DEFINED 10610 0 400
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 158 8516 SH DEFINED 7806 0 710
DELTA AIR LINES INC DEL COMMON STOCK 247361108 112 1940 SH DEFINED 1200 0 740
DELTIC TIMBER CORP COMMON STOCK 247850100 99 3676 SH DEFINED 3676 0 0
DELUXE CHECK PRINTERS COMMON STOCK 248019101 93 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 90 2430 SH DEFINED 2430 0 0
DIAL CORP NEW COMMON STOCK 25247D101 2 50 SH OTHER 50 0 0
DILLARDS INC COMMON STOCK 254067101 46 1300 SH DEFINED 0 0 1300
DOMINION HOMES INC COMMON STOCK 257386102 7 1000 SH DEFINED 1000 0 0
DOMINION RESOURCES SERVICES COMMON STOCK 257470104 1271 29344 SH DEFINED 29144 0 200
DOMINION RESOURCES SERVICES COMMON STOCK 257470104 52 1194 SH OTHER 1194 0 0
DONALDSON LUFKIN & JENRETTE IN COMMON STOCK 257661108 4 60 SH DEFINED 0 60 0
DONNELLEY RR & SONS COMMON STOCK 257867101 388 10466 SH DEFINED 8166 0 2300
DONNELLY CORP COMMON STOCK 257870105 41 2600 SH DEFINED 2600 0 0
DOUBLECLICK INC COMMON STOCK 258609304 220 2400 SH DEFINED 2400 0 0
DOVER CORP COMMON STOCK 260003108 399 11400 SH DEFINED 0 0 11400
DOW CHEMICAL CO COM STK* COMMON STOCK 260543103 461 3635 SH DEFINED 2635 0 1000
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MORGAN J P & CO INC* COMMON STOCK 616880100 28 200 SH OTHER 200 0 0
MORGAN STANLEY DEAN WITTER & C COMMON STOCK 617446448 130 1267 SH DEFINED 267 0 1000
MORGAN STANLEY DEAN WITTER IND COMMON STOCK 61745C105 16 1700 SH DEFINED 1700 0 0
MORRISON HEALTH CARE INC COMMON STOCK 61841L108 47 1890 SH DEFINED 1890 0 0
MOTOROLA INC COMMON STOCK 620076109 982 10360 SH DEFINED 7800 0 2560
MOTOROLA INC COMMON STOCK 620076109 133 1400 SH OTHER 1400 0 0
MPW INDL SVCS GROUP INC COMMON STOCK 553444100 10 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 630 12900 SH DEFINED 12900 0 0
MYERS INDS INC COMMON STOCK 628464109 14 700 SH DEFINED 700 0 0
MYLAN LAB INC* COMMON STOCK 628530107 1866 70408 SH DEFINED 62108 7800 500
NABISCO GROUP HLDG CORP COMMON STOCK 62952P102 44 2229 SH DEFINED 0 0 2229
NACCO INDS INC CL A COMMON STOCK 629579103 7 93 SH OTHER 93 0 0
NASH FINCH CO COMMON STOCK 631158102 32 3200 SH DEFINED 3200 0 0
NASHUA CORP COMMON STOCK 631226107 9 900 SH DEFINED 900 0 0
NATIONAL CITY BANCORPORATION COMMON STOCK 635312101 3 124 SH DEFINED 124 0 0
NATIONAL CITY CORP COMMON STOCK 635405103 219 3338 SH DEFINED 3338 0 0
NATIONAL FUEL GAS CO N J COMMON STOCK 636180101 248 5115 SH DEFINED 5115 0 0
NATIONAL GOLF PPTYS INC COMMON STOCK 63623G109 61 2500 SH DEFINED 1500 0 1000
NATIONAL HEALTH INVS INC COMMON STOCK 63633D104 5 200 SH DEFINED 0 0 200
NCR CORP NEW COMMON STOCK 62886E108 89 1816 SH DEFINED 1761 0 55
NCR CORP NEW COMMON STOCK 62886E108 7 136 SH OTHER 105 0 31
NETMANAGE INC COMMON STOCK 641144100 2 1000 SH DEFINED 0 0 1000
NETWORK APPLIANCE INC COMMON STOCK 64120L104 201 3600 SH DEFINED 3600 0 0
NEUROGEN CORP COMMON STOCK 64124E106 15 1000 SH DEFINED 1000 0 0
NEVADA PWR CO COMMON STOCK 641423108 3 100 SH DEFINED 100 0 0
NEW CENTY ENERGIES INC COMMON STOCK 64352U103 901 23205 SH DEFINED 23205 0 0
NEW GERMANY FD INC COMMON STOCK 644465106 29 2380 SH DEFINED 2000 0 380
NEW PLAN EXCEL RLTY TR INC COMMON STOCK 648053106 82 4575 SH DEFINED 3900 0 675
"NEWELL RUBBERMAID, INC. COMMON STOCK 651229106 67 1448 SH DEFINED 1448 0 0"
NEWMONT MNG CORP COMMON STOCK 651639106 5 240 SH DEFINED 240 0 0
NEWPORT NEWS SHIPBUILDING INC COMMON STOCK 652228107 4 125 SH DEFINED 125 0 0
NEXTEL COMMUNICATIONS INC COMMON STOCK 65332V103 15 300 SH DEFINED 0 0 300
NEXTLINK COMMUNICATIONS INC CL COMMON STOCK 65333H707 19 250 SH DEFINED 0 0 250
NIAGARA MOHAWK HOLDINGS INC. COMMON STOCK 653520106 98 6100 SH DEFINED 100 0 6000
NICOR INC COMMON STOCK 654086107 3 70 SH DEFINED 70 0 0
NIKE INC COMMON STOCK 654106103 25 400 SH DEFINED 400 0 0
"NISOURCE, INC. COMMON STOCK 65473P105 171 6616 SH DEFINED 1816 0 4800"
NOBLE AFFILIATES INC COMMON STOCK 654894104 110 3900 SH DEFINED 0 0 3900
NOKIA CORP COMMON STOCK 654902204 74 810 SH DEFINED 700 30 80
NORD RESOURCES CORP COMMON STOCK 655555100 1 2000 SH DEFINED 2000 0 0
NORFOLK SOUTHERN CORPORATION COMMON STOCK 655844108 2800 92944 SH DEFINED 92944 0 0
NORTHEAST UTILITIES* COMMON STOCK 664397106 7 400 SH DEFINED 400 0 0
NORTHERN STATES POWER CO* COMMON STOCK 665772109 241 9952 SH DEFINED 9952 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 6 90 SH DEFINED 90 0 0
NOVELL INC COMMON STOCK 670006105 52 1950 SH DEFINED 0 0 1950
NUCOR CORP COMMON STOCK 670346105 42 876 SH OTHER 876 0 0
O'SULLIVAN INDS HLDGS INC COMMON STOCK 688609106 68 4000 SH DEFINED 4000 0 0
OAO TECHNOLOGY SOLUTIONS INC COMMON STOCK 67082B105 5 1360 SH DEFINED 1360 0 0
OCCIDENTAL PETROLEUM CORP COM COMMON STOCK 674599105 57 2698 SH DEFINED 2480 0 218
"OCEAN ENERGY, INC. NEW COMMON STOCK 67481E106 38 3900 SH DEFINED 0 0 3900"
OCTEL CORP COMMON STOCK 675727101 1 50 SH DEFINED 0 0 50
OFFICE DEPOT INC COMMON STOCK 676220106 15 675 SH DEFINED 675 0 0
OGE ENERGY CORP COMMON STOCK 670837103 33 1404 SH DEFINED 1404 0 0
OHIO CAS CORP COMMON STOCK 677240103 54 1500 SH DEFINED 1500 0 0
OLD REP INTL CORP COMMON STOCK 680223104 33 1900 SH DEFINED 0 0 1900
OLSTEN CORP COMMON STOCK 681385100 25 4000 SH DEFINED 0 0 4000
OM GROUP INC COMMON STOCK 670872100 35 1000 SH DEFINED 1000 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 288 3600 SH DEFINED 3600 0 0
OMNIPOINT CORP COMMON STOCK 68212D102 43 1500 SH DEFINED 1500 0 0
"ONE VALLEY BANCORP, INC. COMMON STOCK 682419106 176943 4718493 SH DEFINED 3184152 1354653 179688"
"ONE VALLEY BANCORP, INC. COMMON STOCK 682419106 634 16900 SH OTHER 12677 0 4223"
ONEIDA LTD COMMON STOCK 682505102 143 5100 SH DEFINED 5100 0 0
ORACLE SYS CORP COMMON STOCK 68389X105 472 12725 SH DEFINED 7225 0 5500
ORBITAL SCIENCES CORP COMMON STOCK 685564106 24 1000 SH DEFINED 1000 0 0
OSTEOTECH INC COMMON STOCK 688582105 22 750 SH DEFINED 750 0 0
OWENS ILL INC COMMON STOCK 690768403 108 3300 SH DEFINED 0 0 3300
OXFORD HEALTH PLANS INC COMMON STOCK 691471106 2 100 SH DEFINED 0 0 100
P P & L RES INC COMMON STOCK 693499105 12 400 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 213 3600 SH OTHER 3600 0 0
PACIFICORP COMMON STOCK 695114108 169 9220 SH DEFINED 9220 0 0
PAGING NETWORK INC COMMON STOCK 695542100 23 4800 SH DEFINED 0 0 4800
PANAMERICAN BEVERAGES INC COMMON STOCK P74823108 60 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 3 300 SH DEFINED 0 0 300
PAYLESS SHOESOURCE INC COMMON STOCK 704379106 116 2160 SH DEFINED 160 0 2000
PAYLESS SHOESOURCE INC COMMON STOCK 704379106 66 1236 SH OTHER 1236 0 0
PECO ENERGY CO COMMON STOCK 693304107 61 1447 SH DEFINED 747 0 700
PENN ENGR & MFG CORP COMMON STOCK 707389300 124 5500 SH DEFINED 5500 0 0
PENNEY J C CO COM STK* COMMON STOCK 708160106 26 532 SH DEFINED 532 0 0
PENNZENERGY COMPANY COM COMMON STOCK 70931Q109 3 200 SH DEFINED 0 0 200
PENNZOIL-QUAKER ST CO COMMON STOCK 709323109 10 646 SH DEFINED 646 0 0
PENNZOIL-QUAKER ST CO COMMON STOCK 709323109 111 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 5 142 SH DEFINED 142 0 0
PEOPLESOFT INC COMMON STOCK 712713106 10 600 SH DEFINED 500 0 100
PEP BOYS MANNY MOE & JACK COMMON STOCK 713278109 32 1500 SH DEFINED 0 0 1500
PEPSICO INC COMMON STOCK 713448108 2346 60629 SH DEFINED 59329 0 1300
PEPSICO INC COMMON STOCK 713448108 70 1800 SH OTHER 1800 0 0
PERCEPTRON INC COMMON STOCK 71361F100 5 1200 SH DEFINED 1200 0 0
PFIZER INC COM STK COMMON STOCK 717081103 6338 174443 SH DEFINED 165303 215 8925
PG & E CORP COMMON STOCK 69331C108 148 4549 SH DEFINED 4549 0 0
PHARMACIA & UPJOHN INC COMMON STOCK 716941109 267 4695 SH DEFINED 2090 0 2605
PHELPS DODGE CORP COMMON STOCK 717265102 62 1000 SH DEFINED 200 0 800
PHILIP MORRIS COS INC COMMON STOCK 718154107 3625 90210 SH DEFINED 79265 150 10795
PHILIP MORRIS COS INC COMMON STOCK 718154107 24 600 SH OTHER 600 0 0
PHILLIPS PETROLEUM CO COM STK* COMMON STOCK 718507106 211 4193 SH DEFINED 3593 0 600
PIEDMONT NAT GAS INC COMMON STOCK 720186105 254 8170 SH DEFINED 8170 0 0
PILLOWTEX CORP COMMON STOCK 721501104 7 400 SH DEFINED 0 0 400
PITNEY BOWES INC. COMMON STOCK 724479100 466 7250 SH DEFINED 5300 0 1950
PITNEY BOWES INC. COMMON STOCK 724479100 193 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 3 100 SH DEFINED 100 0 0
PNC BANK CORP COMMON STOCK 693475105 1721 29859 SH DEFINED 29759 0 100
PNC BANK CORP COMMON STOCK 693475105 16 280 SH OTHER 280 0 0
POOL ENERGY SVCS CO COMMON STOCK 732788104 7 354 SH DEFINED 154 0 200
POST PPTYS INC COMMON STOCK 737464107 128 3125 SH DEFINED 3000 0 125
POTOMAC ELECTRIC POWER CO COM COMMON STOCK 737679100 447 15187 SH DEFINED 15187 0 0
POTOMAC ELECTRIC POWER CO COM COMMON STOCK 737679100 70 2384 SH OTHER 2384 0 0
PRAXAIR INC COMMON STOCK 74005P104 72 1470 SH DEFINED 1470 0 0
PRAXAIR INC COMMON STOCK 74005P104 15 300 SH OTHER 300 0 0
PRE-MARK INTERNATIONAL COMMON STOCK 740459102 28 750 SH DEFINED 750 0 0
PREMIER FINL BANCORP INC COMMON STOCK 74050M105 47 3412 SH DEFINED 2770 0 642
PREMIER FINL BANCORP INC COMMON STOCK 74050M105 9 630 SH OTHER 630 0 0
PRENTISS PPTYS TR COMMON STOCK 740706106 142 6000 SH DEFINED 6000 0 0
PRIMESOURCE CORP COMMON STOCK 741593107 30 4900 SH DEFINED 4900 0 0
PRINTRONIX INC COMMON STOCK 742578107 32 2300 SH DEFINED 2300 0 0
PRIORITY HEALTHCARE CORP COMMON STOCK 74264T102 200 5790 SH DEFINED 5790 0 0
PROCTER & GAMBLE CO COM STK* COMMON STOCK 742718109 2322 26020 SH DEFINED 22025 5 3990
PROFIT RECOVERY GROUP INTL INC COMMON STOCK 743168106 338 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 110 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 3502 37560 SH DEFINED 37500 60 0
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK 744573106 213 5223 SH DEFINED 5223 0 0
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK 744573106 19 465 SH OTHER 465 0 0
PUBLIC STORAGE INC COMMON STOCK 74460D109 20 698 SH DEFINED 430 0 268
PUGET SOUND ENERGY INC. COMMON STOCK 745332106 36 1490 SH DEFINED 200 0 1290
QLOGIC CORP COMMON STOCK 747277101 370 2800 SH DEFINED 2400 0 400
QUAKER OATS CO COMMON STOCK 747402105 168 2536 SH DEFINED 2536 0 0
QUALCOMM INC COMMON STOCK 747525103 607 4232 SH DEFINED 4000 0 232
QUANTUM CORP COMMON STOCK 747906105 8 350 SH DEFINED 350 0 0
QUESTAR CORP COMMON STOCK 748356102 153 8000 SH DEFINED 8000 0 0
R & B FALCON CORP COMMON STOCK 74912E101 28 3000 SH DEFINED 0 0 3000
R & B INC COMMON STOCK 749124103 22 2700 SH DEFINED 2700 0 0
RALCORP HLDGS INC NEW COMMON STOCK 751028101 45 2799 SH DEFINED 2799 0 0
RALSTON PURINA CO COMMON STOCK 751277302 966 31746 SH DEFINED 31746 0 0
RAYONIER INC COMMON STOCK 754907103 2446 49107 SH DEFINED 49107 0 0
RAYTHEON CO COMMON STOCK 755111309 180 2615 SH DEFINED 572 0 2043
RAYTHEON CO. COM COMMON STOCK 755111408 190 2693 SH DEFINED 0 143 2550
REALNETWORKS INC COMMON STOCK 75605L104 193 2800 SH DEFINED 2800 0 0
REALTY INCOME CORP COMMON STOCK 756109104 38 1600 SH DEFINED 1600 0 0
REGIONS FINL CORP COMMON STOCK 758940100 204 5304 SH DEFINED 5304 0 0
"RELIANT ENERGY, INC. COMMON STOCK 75952J108 10 367 SH DEFINED 367 0 0"
REMEDYTEMP INC COMMON STOCK 759549108 43 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 58 2330 SH DEFINED 0 0 2330
REYNOLDS METALS CO COMMON STOCK 761763101 210 3555 SH DEFINED 120 0 3435
REYNOLDS R J TOB HLDGS INC COMMON STOCK 76182K105 37 1176 SH DEFINED 0 0 1176
RICHARDSON ELECTRS LTD COMMON STOCK 763165107 28 4100 SH DEFINED 4100 0 0
RITE AID CORP COMMON STOCK 767754104 47 1910 SH DEFINED 1400 510 0
ROANOKE GAS COMPANY COMMON STOCK 769858101 2 73 SH DEFINED 73 0 0
ROBERTSON CECO CORP COMMON STOCK 770539203 27 2700 SH DEFINED 2700 0 0
ROCKWELL INTL CORP NEW COMMON STOCK 773903109 265 4369 SH DEFINED 1669 0 2700
ROCKWELL INTL CORP NEW COMMON STOCK 773903109 182 3000 SH OTHER 3000 0 0
ROGERS CORP COMMON STOCK 775133101 109 3700 SH DEFINED 3700 0 0
ROHM + HAAS CO COM STK* COMMON STOCK 775371107 157 3673 SH DEFINED 3673 0 0
ROHN INDS INC COMMON STOCK 775381106 4 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 108 5670 SH DEFINED 5670 0 0
RUSS BERRIE & CO INC COMMON STOCK 782233100 15 600 SH DEFINED 600 0 0
SAFECO CORP COMMON STOCK 786429100 73 1650 SH DEFINED 0 0 1650
SAFEGUARD SCIENTIFICS INC COMMON STOCK 786449108 95 1500 SH DEFINED 1500 0 0
SAFETY 1ST INC COMMON STOCK 786475103 5 800 SH DEFINED 800 0 0
SAFETY-KLEEN CORP NEW COMMON STOCK 78648R203 15 843 SH DEFINED 843 0 0
SAFEWAY INC COMMON STOCK 786514208 269 5434 SH DEFINED 5052 382 0
SAKS INC COMMON STOCK 79377W108 72 2500 SH DEFINED 0 0 2500
SALTON COMMON STOCK 795757103 150 3000 SH DEFINED 3000 0 0
SANTA FE INTL CORP COMMON STOCK G7805C108 14 600 SH DEFINED 0 0 600
SANTA FE SNYDER CORP COM COMMON STOCK 80218K105 61 7579 SH DEFINED 279 0 7300
SARA LEE CORP. COMMON STOCK 803111103 62 2740 SH DEFINED 2400 340 0
SBARRO INC COMMON STOCK 805844107 27 1000 SH DEFINED 1000 0 0
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 9457 163046 SH DEFINED 160762 0 2284
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 148 2546 SH OTHER 2546 0 0
SCANA CORP COMMON STOCK 805898103 30 1300 SH DEFINED 1300 0 0
SCANA CORP COMMON STOCK 805898103 61 2616 SH OTHER 2616 0 0
SCHAWK INC COMMON STOCK 806373106 7 800 SH DEFINED 800 0 0
SCHERING-PLOUGH CORP COM STK* COMMON STOCK 806605101 6945 132280 SH DEFINED 118560 0 13720
SCHLUMBERGER LTD COMMON COMMON STOCK 806857108 794 12472 SH DEFINED 12072 0 400
SCHWAB CHARLES CORP NEW COMMON STOCK 808513105 41 375 SH DEFINED 0 0 375
SCIENTIFIC ATLANTA INC COMMON STOCK 808655104 14 375 SH DEFINED 0 0 375
SCOTSMAN INDS INC COMMON STOCK 809340102 65 3000 SH DEFINED 3000 0 0
SCOTT TECHNOLOGIES INC COMMON STOCK 810022301 119 6200 SH DEFINED 6200 0 0
SEAGATE TECHNOLOGY COMMON STOCK 811804103 85 3300 SH DEFINED 300 0 3000
SEALED AIR CORP NEW COMMON STOCK 81211K100 34 531 SH DEFINED 531 0 0
SEARS ROEBUCK + CO CAP STK COMMON STOCK 812387108 94 2120 SH DEFINED 1540 0 580
SED INTL HLDGS INC COMMON STOCK 784109100 17 7000 SH DEFINED 7000 0 0
SEMPRA ENERGY COMMON STOCK 816851109 18 800 SH DEFINED 800 0 0
SERVICE CORP INTL COMMON STOCK 817565104 137 7100 SH DEFINED 0 0 7100
SERVICEMASTER CO. COM COMMON STOCK 81760N109 19 1000 SH DEFINED 1000 0 0
SHAW INDS INC COMMON STOCK 820286102 103 5900 SH DEFINED 1000 100 4800
SHELL TRANSPORT & TRADING LTD COMMON STOCK 822703609 109 2360 SH DEFINED 0 0 2360
SHERWIN WILLIAMS CO COMMON STOCK 824348106 302 10900 SH DEFINED 3200 0 7700
SHONEYS INC. COMMON STOCK 825039100 4 2000 SH DEFINED 0 0 2000
SHOPKO STORES INC COMMON STOCK 824911101 73 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 112 3240 SH DEFINED 3240 0 0
SIGMA ALDRICH CORP COMMON STOCK 826552101 103 3000 SH OTHER 3000 0 0
SILICON VY GROUP INC COMMON STOCK 827066101 13 750 SH DEFINED 0 0 750
SIMON PPTY GROUP INC NEW COMMON STOCK 828806109 51 2000 SH DEFINED 2000 0 0
SITEL CORP COMMON STOCK 82980K107 9 3000 SH DEFINED 3000 0 0
SIZZLER INTL INC COMMON STOCK 830139101 5 2000 SH DEFINED 2000 0 0
SLM HLDG CORP COMMON STOCK 78442A109 1384 30200 SH DEFINED 28000 0 2200
SMART MODULAR TECHNOLOGIES INC COMMON STOCK 831690102 52 3000 SH DEFINED 3000 0 0
SMURFIT-STONE CONTAINER CORP COMMON STOCK 832727101 121 5900 SH DEFINED 0 0 5900
SODEXHO MARRIOTT SVCS INC COMMON STOCK 833793102 45 2346 SH DEFINED 1860 0 486
SOLUTIA INC COMMON STOCK 834376105 4 208 SH DEFINED 160 48 0
SONAT INC COMMON STOCK 835415100 7 200 SH DEFINED 200 0 0
SOUTHERN CO COM STK* COMMON STOCK 842587107 840 31716 SH DEFINED 24506 0 7210
SOUTHWEST AIRLS CO COMMON STOCK 844741108 75 2400 SH DEFINED 0 0 2400
SOUTHWEST SECS GROUP INC COMMON STOCK 845224104 344 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 175 6500 SH DEFINED 6500 0 0
SPECTRUM CTL INC COMMON STOCK 847615101 37 5100 SH DEFINED 5100 0 0
SPIEKER PPTYS INC COMMON STOCK 848497103 142 3640 SH DEFINED 3500 0 140
SPRINT CORP PCS COMMON STOCK 852061506 16 279 SH DEFINED 112 55 112
SPRINT CORPORATION (FON GROUP) COMMON STOCK 852061100 255 4810 SH DEFINED 450 110 4250
ST MICROELETRONICS N.V. COMMON STOCK 861012102 139 2000 SH DEFINED 2000 0 0
ST PAUL COS INC COMMON STOCK 792860108 5 168 SH DEFINED 168 0 0
STAPLES / OFFICE DEPOT INC. CO COMMON STOCK 855030102 516 16665 SH DEFINED 16440 0 225
STATE AUTO FINL CORP COMMON STOCK 855707105 14 1000 SH DEFINED 1000 0 0
STATE STR CORP COMMON STOCK 857477103 60 700 SH DEFINED 700 0 0
STERIS CORP COMMON STOCK 859152100 6 300 SH DEFINED 0 0 300
STONE AND WEBSTER INC COMMON STOCK 861572105 34 1284 SH DEFINED 1284 0 0
STORAGE USA INC COMMON STOCK 861907103 64 2000 SH DEFINED 2000 0 0
STRATTEC SEC CORP COMMON STOCK 863111100 5 160 SH DEFINED 160 0 0
SUMMIT BANCORP COMMON STOCK 866005101 243 5800 SH DEFINED 800 0 5000
SUMMIT PPTYS INC COMMON STOCK 866239106 85 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 1192 17300 SH DEFINED 14550 0 2750
SUNBEAM CORP DEL NEW COMMON STOCK 867071102 3 350 SH DEFINED 0 0 350
SUNBURST HOSPITALITY CORP COMMON STOCK 866948102 0 66 SH DEFINED 66 0 0
SUNGARD DATA SYS INC COMMON STOCK 867363103 34 975 SH DEFINED 0 0 975
"SUNOCO, INC COMMON STOCK 86764P109 25 839 SH DEFINED 839 0 0"
SUNSTONE HOTEL INVS INC COMMON STOCK 867933103 43 5000 SH DEFINED 5000 0 0
SUNTRUST BANKS COMMON STOCK 867914103 353 5080 SH DEFINED 4480 0 600
SUPERIOR INDS INTL INC COMMON STOCK 868168105 14 500 SH DEFINED 500 0 0
SUPERVALU INC COMMON STOCK 868536103 93 3600 SH DEFINED 0 0 3600
SUPREME INDS INC COMMON STOCK 868607102 18 1900 SH DEFINED 1900 0 0
SYLVAN FOODS HLDGS INC COMMON STOCK 871371100 27 2300 SH DEFINED 2300 0 0
SYMANTEC CORP COMMON STOCK 871503108 87 3400 SH DEFINED 3400 0 0
SYSCO COMMON STOCK 871829107 738 24750 SH DEFINED 9650 0 15100
SYSCO COMMON STOCK 871829107 239 8000 SH OTHER 8000 0 0
TANDY CORP COMMON STOCK 875382103 49 1000 SH DEFINED 1000 0 0
TANDYCRAFTS INC COMMON STOCK 875386104 13 3600 SH DEFINED 3600 0 0
TAVA TECHNOLOGIES INC COMMON STOCK 872169107 8 1000 SH DEFINED 1000 0 0
TECHNICLONE CORP COMMON STOCK 878517309 10 8000 SH DEFINED 8000 0 0
TECHNITROL INC COMMON STOCK 878555101 194 6000 SH DEFINED 6000 0 0
TECO ENERGY COMMON STOCK 872375100 55 2400 SH DEFINED 2400 0 0
TELLABS INC COMMON STOCK 879664100 85 1255 SH DEFINED 1200 55 0
TEMPLE-INLAND INC COMMON STOCK 879868107 69 1000 SH DEFINED 0 0 1000
TENERA INC COMMON STOCK 88033K101 2 1500 SH DEFINED 0 0 1500
TENET HEALTHCARE CORP COMMON STOCK 88033G100 59 3160 SH DEFINED 0 160 3000
TENNECO INC NEW COMMON STOCK 88037E101 28 1177 SH DEFINED 1177 0 0
TENNECO INC NEW COMMON STOCK 88037E101 14 600 SH OTHER 600 0 0
TEXACO INC COM STK* COMMON STOCK 881694103 1603 25707 SH DEFINED 22657 0 3050
TEXAS INSTRUMENTS INC COM STK COMMON STOCK 882508104 79 550 SH DEFINED 0 0 550
TEXAS UTILITIES CO COM STK COMMON STOCK 882848104 163 3925 SH DEFINED 1725 100 2100
TEXTRON INC COMMON STOCK 883203101 346 4208 SH DEFINED 4208 0 0
THEGLOBE COM INC COMMON STOCK 88335R101 10 500 SH DEFINED 0 0 500
TIDEWATER INC COMMON STOCK 886423102 6 200 SH DEFINED 0 0 200
"TIME WARNER, INC COMMON STOCK 887315109 1167 16070 SH DEFINED 16000 70 0"
TIMES MIRROR CO NEW COMMON STOCK 887364107 190 3200 SH DEFINED 3200 0 0
TIMKEN CO COMMON STOCK 887389104 74 3780 SH DEFINED 3780 0 0
TLC THE LASER CTR INC COMMON STOCK 872934104 221 4600 SH DEFINED 4600 0 0
TORCHMARK CORP COMMON STOCK 891027104 72 2100 SH DEFINED 200 0 1900
TOSCO CORP COMMON STOCK 891490302 216 8320 SH DEFINED 0 0 8320
TOYOTA MTR CORP COMMON STOCK 892331307 64 1000 SH DEFINED 1000 0 0
TOYS R US COMMON STOCK 892335100 68 3300 SH DEFINED 2000 0 1300
TRANS WORLD ENTMT CORP COMMON STOCK 89336Q100 56 5000 SH DEFINED 5000 0 0
TRANSAMERICA CORP COMMON STOCK 893485102 24 320 SH DEFINED 250 70 0
TRANSCANADA PIPELINES LTD COMMON STOCK 893526103 14 1000 SH DEFINED 1000 0 0
TRANSOCEAN OFFSHORE INC CAYMOR COMMON STOCK G90076103 69 2630 SH DEFINED 500 0 2130
TRANSPRO INC COMMON STOCK 893885103 2 375 SH DEFINED 375 0 0
TRANSWITCH CORP COMMON STOCK 894065101 313 6600 SH DEFINED 6600 0 0
TREX MED CORP COMMON STOCK 89531R101 4 600 SH DEFINED 0 0 600
TRIAD HOSPS INC COMMON STOCK 89579K109 9 691 SH DEFINED 0 0 691
TRIBUNE CO NEW COMMON STOCK 896047107 135 1550 SH DEFINED 1550 0 0
TRICO MARINE SVCS INC COMMON STOCK 896106101 1 100 SH DEFINED 0 0 100
TRICON GLOBAL RESTAURANTS INC COMMON STOCK 895953107 206 3808 SH DEFINED 1646 0 2162
TRICON GLOBAL RESTAURANTS INC COMMON STOCK 895953107 10 180 SH OTHER 180 0 0
TRINITY INDS INC COMMON STOCK 896522109 17 500 SH DEFINED 0 0 500
TUPPERWARE CORP COMMON STOCK 899896104 19 750 SH DEFINED 750 0 0
TUSCARORA INC COMMON STOCK 900902107 27 2000 SH DEFINED 2000 0 0
TYCO INTL LTD NEW COMMON STOCK 902124106 2707 28572 SH DEFINED 23828 369 4375
U S BIOSCIENCE INC COMMON STOCK 911646206 10 1000 SH DEFINED 0 0 1000
ULTRAMAR DIAMOND SHAMROCK CORP COMMON STOCK 904000106 29 1336 SH DEFINED 1336 0 0
UNICOM CORP COMMON STOCK 904911104 22 564 SH DEFINED 564 0 0
UNION CARBIDE CORP CAP STK* COMMON STOCK 905581104 78 1595 SH DEFINED 1595 0 0
UNION CARBIDE CORP CAP STK* COMMON STOCK 905581104 39 800 SH OTHER 800 0 0
UNION PAC RES GROUP INC COMMON STOCK 907834105 346 21196 SH DEFINED 10383 0 10813
UNION PACIFIC CORP COMMON STO* COMMON STOCK 907818108 1012 17361 SH DEFINED 14569 0 2792
UNION PLANTERS CORP COMMON STOCK 908068109 6 125 SH DEFINED 0 0 125
UNIONBANCAL CORP COMMON STOCK 908906100 22 600 SH DEFINED 600 0 0
UNIPHASE CORP COMMON STOCK 909149106 365 2200 SH DEFINED 2200 0 0
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UNISYS CORP COMMON STOCK 909214108 17 444 SH DEFINED 444 0 0
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</TABLE>
