UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 12/31/99
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 1/8/00
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: 1062
FORM 13F INFORMATION TABLE VALUE TOTAL: $672,374
<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 6805 133929 SH
DEFINED 114063 59 19807
A T&T COMMON STOCK 001957109 304 5975 SH
OTHER 5225 0 750
ABBOTT LABORATORIES COMMON STOCK 002824100 1598 43998 SH
DEFINED 35903 0 8095
ABERCROMBIE & FITCH CO COMMON STOCK 002896207 5 190 SH
DEFINED 190 0 0
ACE LTD COMMON STOCK G0070K103 38 2250 SH
DEFINED 0 0 2250
ACT MFG INC COMMON STOCK 000973107 159 4250 SH
DEFINED 4250 0 0
ADAMS EXPRESS CO COMMON STOCK 006212104 67 2000 SH
DEFINED 2000 0 0
ADAPTEC INC COMMON STOCK 00651F108 140 2800 SH
DEFINED 0 0 2800
ADC TELECOMMUNICATIONS INC COMMON STOCK 000886101 94 1300 SH
DEFINED 0 0 1300
ADOBE SYS INC COMMON STOCK 00724F101 7 100 SH
DEFINED 0 0 100
ADVO INC COMMON STOCK 007585102 24 1000 SH
DEFINED 1000 0 0
AETNA INC COMMON STOCK 008117103 109 1950 SH
DEFINED 450 0 1500
AFLAC INC COMMON STOCK 001055102 175 3715 SH
DEFINED 600 115 3000
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 39 500 SH
DEFINED 0 0 500
AGL RES INC COMMON STOCK 001204106 60 3550 SH
DEFINED 3550 0 0
AGRIBRANDS INTL INC COMMON STOCK 00849R105 39 852 SH
DEFINED 852 0 0
AGRIUM INC COMMON STOCK 008916108 42 5355 SH
DEFINED 0 0 5355
AIR PRODUCTS & CHEMICAL COMMON STOCK 009158106 128 3800 SH
DEFINED 1200 0 2600
AK STL HLDG CORP COMMON STOCK 001547108 1 38 SH
DEFINED 38 0 0
ALBANY INTL CORP NEW COMMON STOCK 012348108 34 2200 SH
DEFINED 2200 0 0
ALBEMARLE CORP COMMON STOCK 012653101 2 100 SH
DEFINED 100 0 0
ALBERTSONS COMMON STOCK 013104104 490 15201 SH
DEFINED 15201 0 0
ALBERTSONS COMMON STOCK 013104104 97 3000 SH
OTHER 3000 0 0
ALCOA, INC. COMMON STOCK 013817101 192 2311 SH
DEFINED 6 105 2200
ALKERMES INC COMMON STOCK 01642T108 15 300 SH
DEFINED 0 0 300
ALLEGHENY ENERGY COMMON STOCK 017361106 2456 91158 SH
DEFINED 90558 0 600
ALLEGHENY ENERGY COMMON STOCK 017361106 45 1682 SH
OTHER 1682 0 0
ALLIANCE CAP MGMT HLDG LP UNIT COMMON STOCK 01855A101 362 12100 SH
DEFINED 12100 0 0
ALLSTATE CORP COMMON STOCK 020002101 424 17606 SH
DEFINED 9206 0 8400
ALLTEL CORP COMMON STOCK 020039103 25 307 SH
DEFINED 307 0 0
ALLTEL CORP COMMON STOCK 020039103 25 300 SH
OTHER 300 0 0
ALTEON WEBSYSTEMS INC COMMON STOCK 02145A109 211 2400 SH
DEFINED 2400 0 0
AMAZON COM INC COMMON STOCK 023135106 815 10700 SH
DEFINED 10400 0 300
AMB PPTY CORP COMMON STOCK 00163T109 20 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 608 18560 SH
DEFINED 18460 0 100
AMEREN CORP COM COMMON STOCK 023608102 8 250 SH
OTHER 250 0 0
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 3394 44738 SH
DEFINED 33830 66 10842
AMERICAN EAGLE OUTFITTERS COMM COMMON STOCK 02553E106 203 4500 SH
DEFINED 4500 0 0
AMERICAN ELECTR PWR CO INC COM COMMON STOCK 025537101 1385 43125 SH
DEFINED 42895 0 230
AMERICAN ELECTR PWR CO INC COM COMMON STOCK 025537101 25 773 SH
OTHER 773 0 0
AMERICAN EXPRESS CO COM STK* COMMON STOCK 025816109 1739 10459 SH
DEFINED 10309 0 150
AMERICAN GENERAL CORPORATION COMMON STOCK 026351106 400 5273 SH
DEFINED 967 131 4175
AMERICAN GREETINGS CORP COMMON STOCK 026375105 50 2100 SH
DEFINED 0 0 2100
AMERICAN HOME PRODUCTS CORP CA COMMON STOCK 026609107 3538 90139 SH
DEFINED 83300 264 6575
AMERICAN HOME PRODUCTS CORP CA COMMON STOCK 026609107 38 960 SH
OTHER 0 0 960
AMERICAN INTERNATIONAL GROUP* COMMON STOCK 026874107 2014 18627 SH
DEFINED 10283 195 8149
AMERICAN INTERNATIONAL GROUP* COMMON STOCK 026874107 8 70 SH
OTHER 70 0 0
AMERICAN MORTGAGE ACCEPTANCE C COMMON STOCK 027568104 15 1740 SH
DEFINED 1740 0 0
AMERICAN PRECISION INDS INC COMMON STOCK 029069101 52 6100 SH
DEFINED 6100 0 0
AMERICAN STD COS INC DEL COMMON STOCK 029712106 184 4000 SH
DEFINED 0 0 4000
AMERICAN SYS WTR CO COM COMMON STOCK 029899101 104 2900 SH
DEFINED 2900 0 0
AMERICAN WATER WORKS CO INC* COMMON STOCK 030411102 620 29160 SH
DEFINED 28840 0 320
AMERICAN WOODMARK CORP COMMON STOCK 030506109 68 2800 SH
DEFINED 2800 0 0
AMERITRADE HLDG CORP COMMON STOCK 03072H109 33 1500 SH
DEFINED 0 0 1500
AMERUS LIFE HLDGS INC COMMON STOCK 030732101 31 1336 SH
DEFINED 1336 0 0
AMFM INC. COMMON STOCK 001693100 59 755 SH
DEFINED 0 55 700
AMGEN INC COMMON STOCK 031162100 479 7970 SH
DEFINED 7100 120 750
AMR CORP DEL COMMON STOCK 001765106 192 2870 SH
DEFINED 0 70 2800
ANADARKO PETE CORP COMMON STOCK 032511107 17 510 SH
DEFINED 0 110 400
ANALOG DEVICES INC COMMON STOCK 032654105 93 1000 SH
DEFINED 1000 0 0
ANGELICA CORP COMMON STOCK 034663104 24 2500 SH
DEFINED 2500 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 18 500 SH
DEFINED 500 0 0
AON CORP COMMON STOCK 037389103 1674 41845 SH
DEFINED 41845 0 0
APOGEE ENTERPRISES INC COMMON STOCK 037598109 17 3300 SH
DEFINED 3300 0 0
APPLE COMPUTER INC* COMMON STOCK 037833100 103 1000 SH
DEFINED 500 0 500
APPLIED MAGNETICS CORP COMMON STOCK 038213104 0 597 SH
DEFINED 0 0 597
APPLIED MATLS INC COMMON STOCK 038222105 565 4456 SH
DEFINED 4056 0 400
APPLIED MICRO CIRCUITS CORP COMMON STOCK 03822W109 636 5000 SH
DEFINED 5000 0 0
AQUARION CO COMMON STOCK 03838W101 152 4115 SH
DEFINED 4115 0 0
ARCHER DANIEL MIDLAND COMMON STOCK 039483102 61 5027 SH
DEFINED 5027 0 0
ARCHSTONE CMNTYS TR SH BEN INT COMMON STOCK 039581103 14 700 SH
DEFINED 0 0 700
ARIBA INC COMMON STOCK 04033V104 248 1400 SH
DEFINED 1400 0 0
ARMSTRONG WORLD IND INC. COMMON STOCK 042476101 13 400 SH
DEFINED 400 0 0
ARROW ELECTRS INC COMMON STOCK 042735100 3 130 SH
DEFINED 0 130 0
ARTESYN TECHNOLOGIES INC COMMON STOCK 043127109 34 1600 SH
DEFINED 1600 0 0
ASCENT ENTMT GROUP INC COMMON STOCK 043628106 5 391 SH
DEFINED 391 0 0
ASHLAND INC COMMON STOCK 044204105 127 3842 SH
DEFINED 3842 0 0
ASSOCIATES FIRST CAP CORP COMMON STOCK 046008108 125 4548 SH
DEFINED 4013 135 400
ASTORIA FINL CORP COMMON STOCK 046265104 5 170 SH
DEFINED 0 0 170
AT & T CORP LIBERTY MEDIA COMMON STOCK 001957208 36 630 SH
DEFINED 400 230 0
AT HOME CORP COMMON STOCK 045919107 44 1036 SH
DEFINED 836 0 200
ATLANTIC RICHFIELD CO COM STK COMMON STOCK 048825103 668 7717 SH
DEFINED 7717 0 0
ATRION CORP COMMON STOCK 049904105 43 4044 SH
DEFINED 4044 0 0
AURORA BIOSCIENCES CORP COMMON STOCK 051920106 3 100 SH
DEFINED 0 0 100
AUTOLIV INC COMMON STOCK 052800109 73 2506 SH
DEFINED 136 0 2370
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 1221 22665 SH
DEFINED 21165 0 1500
AUTOZONE INC COMMON STOCK 053332102 268 8300 SH
DEFINED 0 0 8300
AVALONBAY CMNTYS INC COMMON STOCK 053484101 5 150 SH
DEFINED 0 0 150
AVIALL INC NEW COMMON STOCK 05366B102 18 2211 SH
DEFINED 2211 0 0
AVID TECHNOLOGY INC COMMON STOCK 05367P100 47 3600 SH
DEFINED 3600 0 0
AVON PRODS INC COMMON STOCK 054303102 392 11890 SH
DEFINED 3390 100 8400
AVX CORP NEW COMMON STOCK 002444107 5 100 SH
DEFINED 100 0 0
AXA FINL INC COM COMMON STOCK 002451102 182 5359 SH
DEFINED 359 0 5000
AXA FINL INC COM COMMON STOCK 002451102 2 54 SH
OTHER 54 0 0
BACOU USA INC COMMON STOCK 056439102 53 3500 SH
DEFINED 3500 0 0
BAKER HUGHES INC COMMON STOCK 057224107 25 1200 SH
DEFINED 0 0 1200
BAKER-FENTRESS + CO COM STK* COMMON STOCK 057213100 32 2267 SH
DEFINED 2267 0 0
BALDWIN TECHNOLOGY INC COMMON STOCK 058264102 21 10000 SH
DEFINED 10000 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 1110 22118 SH
DEFINED 13562 261 8295
BANK OF NEW YORK COMMON STOCK 064057102 719 17982 SH
DEFINED 17982 0 0
BANK ONE CORP COM COMMON STOCK 06423A103 2526 78940 SH
DEFINED 70837 0 8103
BANK ONE CORP COM COMMON STOCK 06423A103 404 12614 SH
OTHER 0 12614 0
BANKNORTH GROUP INC DEL COMMON STOCK 06646L100 27 1000 SH
DEFINED 1000 0 0
BARRICK GOLD CORP COMMON STOCK 067901108 38 2170 SH
DEFINED 0 0 2170
BATTLE MOUNTAIN GOLD COMMON COMMON STOCK 071593107 2 900 SH
DEFINED 900 0 0
BAXTER INT'L INC COM COMMON STOCK 071813109 611 9725 SH
DEFINED 9576 149 0
BB & T CORP COMMON STOCK 054937107 50 1822 SH
DEFINED 1822 0 0
BCE INC COMMON STOCK 05534B109 54 600 SH
DEFINED 600 0 0
BEAR STEARNS COS INC COMMON STOCK 073902108 27 636 SH
DEFINED 636 0 0
BECTON DICKINSON COMMON STOCK 075887109 187 6930 SH
DEFINED 0 130 6800
BEDFORD PPTY INVS INC COMMON STOCK 076446301 102 6000 SH
DEFINED 6000 0 0
BELL ATLANTIC COMMON STOCK 077853109 8692 141191 SH
DEFINED 125987 230 14974
BELL ATLANTIC COMMON STOCK 077853109 212 3442 SH
OTHER 3442 0 0
BELL MICROPRODUCTS INC COMMON STOCK 078137106 11 1000 SH
DEFINED 1000 0 0
BELLSOUTH COMMON STOCK 079860102 7916 169109 SH
DEFINED 162577 0 6532
BELLSOUTH COMMON STOCK 079860102 143 3064 SH
OTHER 3064 0 0
BERGIN BRUNSWIG COMMON STOCK 083739102 17 2050 SH
DEFINED 2050 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670108 56 1 SH
DEFINED 1 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670207 124 68 SH
DEFINED 42 0 26
BESTFOODS COM STK* COMMON STOCK 08658U101 141 2679 SH
DEFINED 2564 115 0
BESTFOODS COM STK* COMMON STOCK 08658U101 42 800 SH
OTHER 800 0 0
BETHLEHEM STL CORP COMMON STOCK 087509105 2 200 SH
DEFINED 200 0 0
BHA GROUP HLDGS INC COMMON STOCK 055446108 26 3300 SH
DEFINED 3300 0 0
BHC COMMUNICATIONS INC COMMON STOCK 055448104 15 92 SH
DEFINED 92 0 0
BIOGEN INC COMMON STOCK 090597105 46 550 SH
DEFINED 0 0 550
BIOMATRIX INC COMMON STOCK 09060P102 23 1200 SH
DEFINED 1200 0 0
BIOMET INC COMMON STOCK 090613100 20 500 SH
DEFINED 0 0 500
BLACK HILLS CORP COMMON STOCK 092113109 43 1923 SH
DEFINED 1923 0 0
BLAIR CORP COMMON STOCK 092828102 22 1600 SH
DEFINED 1600 0 0
BMC SOFTWARE INC COMMON STOCK 055921100 64 800 SH
DEFINED 0 0 800
BOB EVANS FARMS COMMON STOCK 096761101 132 8554 SH
DEFINED 8554 0 0
BODDIE-NOELL PPTYS INC COMMON STOCK 096903109 54 6500 SH
DEFINED 6500 0 0
BOEING CO CAP STK* COMMON STOCK 097023105 405 9779 SH
DEFINED 6120 129 3530
BOEING CO CAP STK* COMMON STOCK 097023105 17 400 SH
OTHER 400 0 0
BOGEN COMMUNICATIONS INTL INCO COMMON STOCK 097189104 9 1100 SH
DEFINED 1100 0 0
BOYKIN LODGING CO COMMON STOCK 103430104 35 3200 SH
DEFINED 3200 0 0
BRE PPTYS INC COMMON STOCK 05564E106 91 4028 SH
DEFINED 4028 0 0
BRIGGS & STRATTON CORP COMMON STOCK 109043109 43 800 SH
DEFINED 800 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 12904 201040 SH
DEFINED 191374 90 9576
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 276 4300 SH
OTHER 4300 0 0
BROADCOM CORP COMMON STOCK 111320107 831 3050 SH
DEFINED 3050 0 0
BROADVISION INC COMMON STOCK 111412102 1326 7800 SH
DEFINED 7800 0 0
BROADWING INC. COMMON STOCK 111620100 245 6634 SH
DEFINED 6634 0 0
BRUSH WELLMAN INC COMMON STOCK 117421107 121 7200 SH
DEFINED 7200 0 0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK 12189T104 1102 45458 SH
DEFINED 36958 0 8500
BURLINGTON RESOURCES COMMON STOCK 122014103 718 21730 SH
DEFINED 17730 0 4000
BUSH INDS INC COMMON STOCK 123164105 34 2000 SH
DEFINED 2000 0 0
C & D TECHNOLOGIES INC COMMON STOCK 124661109 123 2900 SH
DEFINED 2900 0 0
C-CUBE MICROSYSTEMS INC COMMON STOCK 125015107 57 910 SH
DEFINED 810 0 100
CABLEVISION SYS CORP COMMON STOCK 12686C109 423 5600 SH
DEFINED 5600 0 0
CADENCE DESIGN SYS INC COMMON STOCK 127387108 48 2000 SH
DEFINED 0 0 2000
CALLAWAY GOLF CO COMMON STOCK 131193104 87 4900 SH
DEFINED 400 0 4500
CALTON INC NEW COMMON STOCK 131380206 2 1000 SH
DEFINED 0 0 1000
CAMDEN PPTY TR COMMON STOCK 133131102 83 3000 SH
DEFINED 3000 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 228 4769 SH
DEFINED 2334 235 2200
CARLISLE COS INC COMMON STOCK 142339100 169 4700 SH
DEFINED 4700 0 0
CARLISLE HOLDINGS LTD. COMMON STOCK P21277101 18 1500 SH
DEFINED 1500 0 0
CARNIVAL CRUISE LINES INC COMMON STOCK 143658102 145 3025 SH
DEFINED 3025 0 0
CAROLINA POWER + LIGHT CO COM COMMON STOCK 144141108 176 5783 SH
DEFINED 5698 85 0
CAROLINA POWER + LIGHT CO COM COMMON STOCK 144141108 30 1000 SH
OTHER 0 0 1000
CATELLUS DEV CORP COMMON STOCK 149111106 0 36 SH
DEFINED 36 0 0
CATERPILLAR INC. COMMON STOCK 149123101 306 6510 SH
DEFINED 2180 125 4205
CATERPILLAR INC. COMMON STOCK 149123101 4 84 SH
OTHER 84 0 0
CBRL GROUP, INC. COM COMMON STOCK 12489V106 16 1687 SH
DEFINED 1687 0 0
CBS CORP COMMON STOCK 12490K107 22 340 SH
DEFINED 340 0 0
CELANESE AG COMMON STOCK D1497A101 7 384 SH
DEFINED 300 0 84
CENDANT CORP COMMON STOCK 151313103 119 4470 SH
DEFINED 0 0 4470
CENTERPOINT PROPERTIES TRUST COMMON STOCK 151895109 146 4000 SH
DEFINED 4000 0 0
CENTRAL & SOUTHWEST CORP* COMMON STOCK 152357109 128 6380 SH
DEFINED 6380 0 0
CFW COMMUNICATIONS CO COMMON STOCK 124923103 104 3000 SH
DEFINED 3000 0 0
CHAMPION INDS INC COMMON STOCK 158520106 10 2439 SH
DEFINED 2439 0 0
CHANNELL COML CORP COMMON STOCK 159186105 11 1000 SH
DEFINED 1000 0 0
CHARTER COMMUNICATIONS INC DEL COMMON STOCK 16117M107 22 1000 SH
DEFINED 0 0 1000
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 980 12610 SH
DEFINED 5535 0 7075
CHECK POINT SOFTW TECH COMMON STOCK M22465104 696 3500 SH
DEFINED 3500 0 0
CHEMFAB CORP COMMON STOCK 16361L102 50 3200 SH
DEFINED 3200 0 0
CHEVRON COMMON STOCK 166751107 1097 12664 SH
DEFINED 10484 0 2180
CHEVRON COMMON STOCK 166751107 167 1932 SH
OTHER 1932 0 0
CHIRON CORP COMMON STOCK 170040109 49 1150 SH
DEFINED 800 0 350
CHOICE HOTELS INTL INC COMMON STOCK 169905106 12 700 SH
DEFINED 200 0 500
CHOICEPOINT INC COMMON STOCK 170388102 5 120 SH
DEFINED 120 0 0
CHUBB CORP COMMON STOCK 171232101 61 1075 SH
DEFINED 925 0 150
CIENA CORP COMMON STOCK 171779101 592 10300 SH
DEFINED 10300 0 0
CIGNA CORP COMMON STOCK 125509109 125 1550 SH
DEFINED 1450 0 100
CINCINNATI FINANCIAL CORP COMMON STOCK 172062101 47 1504 SH
DEFINED 504 0 1000
CINERGY CORP COMMON STOCK 172474108 86 3573 SH
DEFINED 3573 0 0
CINTAS CORP COMMON STOCK 172908105 159 3000 SH
DEFINED 0 0 3000
CIRCUIT CITY STORES COMMON STOCK 172737108 27 600 SH
DEFINED 400 0 200
CISCO SYS INC COMMON STOCK 17275R102 10403 97111 SH
DEFINED 73931 434 22746
CISCO SYS INC COMMON STOCK 17275R102 32 300 SH
OTHER 100 0 200
CIT GROUP INC COMMON STOCK 125577106 123 5800 SH
DEFINED 5800 0 0
CITIGROUP INC COMMON STOCK 172967101 4159 74682 SH
DEFINED 58550 495 15637
CITRIX SYS INC COMMON STOCK 177376100 381 3100 SH
DEFINED 3100 0 0
CITY HOLDING COMMON STOCK 177835105 2672 190842 SH
DEFINED 164010 0 26832
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK 184502102 79 885 SH
DEFINED 550 0 335
CLECO CORP NEW COM COMMON STOCK 12561W105 25 768 SH
DEFINED 0 0 768
CLOROX CO COMMON STOCK 189054109 40 800 SH
DEFINED 800 0 0
CMGI INC. COMMON STOCK 125750109 3887 14040 SH
DEFINED 13550 0 490
CNET INC COMMON STOCK 125945105 392 6900 SH
DEFINED 4600 0 2300
COASTAL CORP COMMON STOCK 190441105 414 11684 SH
DEFINED 1784 0 9900
COCA COLA BOTTLING CO CONS COMMON STOCK 191098102 19 400 SH
DEFINED 400 0 0
COCA COLA ENTERPRISES INC COMMON STOCK 191219104 141 7000 SH
DEFINED 0 0 7000
COCA-COLA CO COM STK* COMMON STOCK 191216100 7649 131315 SH
DEFINED 130140 0 1175
COLD METAL PRODS INC COMMON STOCK 192861102 14 4500 SH
DEFINED 4500 0 0
COLGATE-PALMOLIVE CO COM STK COMMON STOCK 194162103 529 8137 SH
DEFINED 7860 277 0
COLUMBIA / HCA HEALTHCARE CORP COMMON STOCK 197677107 242 8250 SH
DEFINED 0 0 8250
COLUMBIA ENERGY GROUP COMMON STOCK 197648108 537 8498 SH
DEFINED 8498 0 0
COLUMBUS MCKINNON CORP N Y COMMON STOCK 199333105 68 6700 SH
DEFINED 6700 0 0
COMCAST CORP CL A COMMON STOCK 200300101 38 800 SH
DEFINED 800 0 0
COMERICA INC COMMON STOCK 200340107 177 3800 SH
DEFINED 0 0 3800
COMMERCE BANCSHARES INC COMMON STOCK 200525103 0 6 SH
DEFINED 0 0 6
COMMUNITY TR BANCORP INC COMMON STOCK 204149108 54 2722 SH
DEFINED 2722 0 0
COMPAQ COMPUTER COMMON STOCK 204493100 319 11795 SH
DEFINED 5200 195 6400
COMPASS BANCSHARES INC COMMON STOCK 20449H109 213 9550 SH
DEFINED 9550 0 0
COMPUTER ASSOCIATES COMMON STOCK 204912109 768 10985 SH
DEFINED 1965 135 8885
COMPUTER SCIENCE COMMON STOCK 205363104 4111 43445 SH
DEFINED 39215 330 3900
COMPUTER SCIENCE COMMON STOCK 205363104 9 100 SH
OTHER 100 0 0
COMPUWARE CORP COMMON STOCK 205638109 200 5380 SH
DEFINED 0 130 5250
COMSAT CORP COMMON STOCK 20564D107 16 800 SH
DEFINED 800 0 0
CONAGRA, INC. COMMON STOCK 205887102 98 4300 SH
DEFINED 400 0 3900
CONCORD CAMERA CORP COMMON STOCK 206156101 27 1200 SH
DEFINED 1200 0 0
CONECTIV INC COMMON STOCK 206829103 58 3457 SH
DEFINED 3457 0 0
CONECTIV INC COMMON STOCK 206829202 6 187 SH
DEFINED 187 0 0
CONEXANT SYS INC COMMON STOCK 207142100 861 12968 SH
DEFINED 12368 0 600
CONEXANT SYS INC COMMON STOCK 207142100 199 3000 SH
OTHER 3000 0 0
CONOCO INC COMMON STOCK 208251306 299 12100 SH
DEFINED 12100 0 0
CONOCO INC COMMON STOCK 208251405 147 5908 SH
DEFINED 728 0 5180
CONS NATURAL GAS CO CAP STK COMMON STOCK 209615103 309 4756 SH
DEFINED 4756 0 0
CONSECO INC COMMON STOCK 208464107 129 7260 SH
DEFINED 0 160 7100
CONSOLIDATED EDISON INC. COM COMMON STOCK 209115104 162 4704 SH
DEFINED 4704 0 0
CONSOLIDATED TOMOKA LD CO COMMON STOCK 210226106 4 289 SH
DEFINED 289 0 0
CONSTELLATION ENERGY GROUP COMMON STOCK 210371100 75 2596 SH
DEFINED 2596 0 0
CONSTELLATION ENERGY GROUP COMMON STOCK 210371100 11 373 SH
OTHER 373 0 0
CONVERGYS CORP COMMON STOCK 212485106 88 2850 SH
DEFINED 2850 0 0
COOPER INDUSTRIES* COMMON STOCK 216669101 23 560 SH
DEFINED 560 0 0
COOPER TIRE & RUBR CO COMMON STOCK 216831107 32 2000 SH
DEFINED 2000 0 0
CORN PRODS INTL INC COMMON STOCK 219023108 3 100 SH
OTHER 100 0 0
CORNING INC COMMON STOCK 219350105 1649 12790 SH
DEFINED 12490 0 300
CORNING INC COMMON STOCK 219350105 9 70 SH
OTHER 70 0 0
COSTCO WHOLESALE CORPORATION COMMON STOCK 22160K105 39 425 SH
DEFINED 0 0 425
COTTON STS LIFE & HEALTH INS C COMMON STOCK 221774102 28 3250 SH
DEFINED 3250 0 0
COUNTRYWIDE CR INDS INC COMMON STOCK 222372104 48 1910 SH
DEFINED 0 60 1850
COVAD COMMUNICATIONS GROUP INC COMMON STOCK 222814204 173 3100 SH
DEFINED 3100 0 0
COX COMMUNICATIONS INC NEW COMMON STOCK 224044107 390 7569 SH
DEFINED 7569 0 0
CPAC INC COMMON STOCK 126145101 10 1200 SH
DEFINED 1200 0 0
CRANE CO COMMON STOCK 224399105 72 3600 SH
DEFINED 3600 0 0
CREDENCE SYS CORP DEL COMMON STOCK 225302108 69 800 SH
DEFINED 800 0 0
CRESTLINE CAP CORP COMMON STOCK 226153104 14 700 SH
DEFINED 700 0 0
CSS INDS INC COMMON STOCK 125906107 98 4600 SH
DEFINED 4600 0 0
CSX CORPORATION* COMMON STOCK 126408103 797 25405 SH
DEFINED 24045 0 1360
CSX CORPORATION* COMMON STOCK 126408103 79 2504 SH
OTHER 2504 0 0
CURTISS WRIGHT CORP COMMON STOCK 231561101 37 1000 SH
DEFINED 1000 0 0
CVS CORP* COMMON STOCK 126650100 599 15015 SH
DEFINED 11475 140 3400
CYBER-CARE INC. COMMON STOCK 23243T105 12 1300 SH
DEFINED 0 0 1300
CYGNUS INC COMMON STOCK 232560102 37 2000 SH
DEFINED 1000 0 1000
CYTEC INDS INC COMMON STOCK 232820100 24 1026 SH
DEFINED 1026 0 0
CYTOCLONAL PHARMACEUTICS INC COMMON STOCK 23282G105 6 740 SH
DEFINED 740 0 0
DANA CORP COMMON STOCK 235811106 66 2201 SH
DEFINED 0 0 2201
DARDEN RESTAURANTS INC COMMON STOCK 237194105 16 900 SH
DEFINED 900 0 0
DAYTON HUDSON CORP COMMON STOCK 239753106 1139 15510 SH
DEFINED 8685 175 6650
DAYTON POWER/DPL COMMON STOCK 233293109 6 337 SH
DEFINED 337 0 0
DEERE & CO COMMON STOCK 244199105 50 1155 SH
DEFINED 0 0 1155
DELL COMPUTER CORP COMMON STOCK 247025109 583 11440 SH
DEFINED 10910 130 400
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 192 12213 SH
DEFINED 7680 0 4533
DELTA AIR LINES INC DEL COMMON STOCK 247361108 60 1200 SH
DEFINED 1200 0 0
DELTIC TIMBER CORP COMMON STOCK 247850100 80 3676 SH
DEFINED 3676 0 0
DEVELOPERS DIVERSIFIED RLTY CO COMMON STOCK 251591103 3 260 SH
DEFINED 0 0 260
DIAL CORP NEW COMMON STOCK 25247D101 59 2430 SH
DEFINED 2430 0 0
DIAL CORP NEW COMMON STOCK 25247D101 1 50 SH
OTHER 50 0 0
DII GROUP INC COMMON STOCK 232949107 43 600 SH
DEFINED 600 0 0
DOMINION HOMES INC COMMON STOCK 257386102 6 1000 SH
DEFINED 1000 0 0
DOMINION RESOURCES SERVICES COMMON STOCK 257470104 1141 29064 SH
DEFINED 28864 0 200
DOMINION RESOURCES SERVICES COMMON STOCK 257470104 18 447 SH
OTHER 447 0 0
DONALDSON LUFKIN & JENRETTE IN COMMON STOCK 257661108 50 1035 SH
DEFINED 975 60 0
DONNELLEY RR & SONS COMMON STOCK 257867101 248 10000 SH
DEFINED 8000 0 2000
DONNELLY CORP COMMON STOCK 257870105 25 1800 SH
DEFINED 1800 0 0
DOUBLECLICK INC COMMON STOCK 258609304 1367 5400 SH
DEFINED 5400 0 0
DOVER CORP COMMON STOCK 260003108 227 5000 SH
DEFINED 0 0 5000
DOW CHEMICAL CO COM STK* COMMON STOCK 260543103 546 4085 SH
DEFINED 2310 0 1775
DQE, INC COMMON STOCK 23329J104 21 600 SH
DEFINED 600 0 0
DTE ENERGY CO COMMON STOCK 233331107 468 14791 SH
DEFINED 10691 0 4100
DUFF & PHELPS SELECTED UTL COMMON STOCK 264324104 25 3000 SH
DEFINED 0 0 3000
DUKE ENERGY CORPORATION COMMON STOCK 264399106 598 11936 SH
DEFINED 10241 0 1695
DUKE ENERGY CORPORATION COMMON STOCK 264399106 100 2000 SH
OTHER 0 0 2000
DUKE RLTY INVTS INC COMMON STOCK 264411505 137 7000 SH
DEFINED 5000 0 2000
E I DUPONT + CO COM STK COMMON STOCK 263534109 4142 62876 SH
DEFINED 53322 75 9479
E TRADE GROUP INC COMMON STOCK 269246104 26 1000 SH
DEFINED 0 0 1000
EARTHGRAINS CO COMMON STOCK 270319106 0 24 SH
DEFINED 24 0 0
EARTHLINK NETWORK INC COMMON STOCK 270322100 4 100 SH
DEFINED 100 0 0
EASTERN ENTERPRISES COMMON STOCK 27637F100 34 600 SH
DEFINED 600 0 0
EASTGROUP PPTYS INC COMMON STOCK 277276101 93 5000 SH
DEFINED 5000 0 0
EASTMAN CHEM CO COMMON STOCK 277432100 113 2368 SH
DEFINED 2368 0 0
EASTMAN KODAK CO COM STK COMMON STOCK 277461109 721 10888 SH
DEFINED 10588 0 300
EATON CORP COMMON STOCK 278058102 61 839 SH
DEFINED 204 0 635
ECHELON INTL CORP COMMON STOCK 278747100 3 125 SH
DEFINED 125 0 0
ECHOSTAR COMMUNICATIONS CORP N COMMON STOCK 278762109 1121 11500 SH
DEFINED 11500 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 188 7170 SH
DEFINED 3580 0 3590
EDWARDS A G INC COMMON STOCK 281760108 10 300 SH
OTHER 300 0 0
EEX CORP COMMON STOCK 26842V207 7 2499 SH
DEFINED 2499 0 0
EL PASO ELEC CO COMMON STOCK 283677854 9 911 SH
DEFINED 911 0 0
EL PASO ENERGY CORP DEL COM COMMON STOCK 283905107 442 11376 SH
DEFINED 8020 0 3356
ELDER BEERMAN STORES CORP NEW COMMON STOCK 284470101 2 300 SH
DEFINED 300 0 0
ELECTRO RENT CORP COMMON STOCK 285218103 33 2800 SH
DEFINED 2800 0 0
ELECTRONIC DATA SYS CORP NEW COMMON STOCK 285661104 441 6585 SH
DEFINED 5335 0 1250
ELI LILLY & COMPANY COMMON STOCK 532457108 727 10935 SH
DEFINED 5850 0 5085
EMC CORP COMMON STOCK 268648102 1105 10115 SH
DEFINED 8125 140 1850
EMERSON ELECTRIC CO COMMON STOCK 291011104 875 15255 SH
DEFINED 8500 35 6720
ENERGY EAST CORP COMMON STOCK 29266M109 67 3200 SH
DEFINED 200 0 3000
ENESCO GROUP INC COMMON STOCK 292973104 39 3500 SH
DEFINED 3500 0 0
ENRON CORP COMMON STOCK 293561106 1994 44928 SH
DEFINED 43838 190 900
ENSCO INTL INC COMMON STOCK 26874Q100 23 1000 SH
DEFINED 1000 0 0
ENTERGY CORP (NEW) COMMON STOCK 29364G103 16 602 SH
DEFINED 602 0 0
ENTREMED INC COMMON STOCK 29382F103 8 300 SH
DEFINED 300 0 0
EQUIFAX CORP COMMON STOCK 294429105 181 7700 SH
DEFINED 1800 0 5900
EQUITABLE RES INC COMMON STOCK 294549100 338 10125 SH
DEFINED 10125 0 0
EQUITY RESIDENTIAL PPTYS TR COMMON STOCK 29476L107 85 2000 SH
DEFINED 2000 0 0
ESCO ELECTRIC COMMON STOCK 269030201 2 210 SH
DEFINED 210 0 0
ESTERLINE TECHNOLOGIES CORP COMMON STOCK 297425100 23 2000 SH
DEFINED 2000 0 0
ETHYL CORP CLASS B COMMON* COMMON STOCK 297659104 1 200 SH
DEFINED 200 0 0
EVANS & SUTHERLAND COMPUTER CO COMMON STOCK 299096107 16 1400 SH
DEFINED 1400 0 0
EXCEL TECHNOLOGY INC COMMON STOCK 30067T103 9 500 SH
DEFINED 0 0 500
EXXON MOBIL CORP COMMON STOCK 30231G102 25876 321189 SH
DEFINED 300017 66 21106
EXXON MOBIL CORP COMMON STOCK 30231G102 662 8215 SH
OTHER 8215 0 0
F & M NATL CORP COMMON STOCK 302374103 474 17181 SH
DEFINED 17181 0 0
F P L GROUP COMMON STOCK 302571104 978 22833 SH
DEFINED 22833 0 0
F P L GROUP COMMON STOCK 302571104 4 100 SH
OTHER 100 0 0
FARR CO COMMON STOCK 311648109 29 3000 SH
DEFINED 3000 0 0
FDX CORPORATION COM COMMON STOCK 31304N107 269 6560 SH
DEFINED 6560 0 0
FEDERAL HOME LN MTG CORP COMMON STOCK 313400301 538 11440 SH
DEFINED 2400 140 8900
FEDERAL MOGUL CORP COMMON STOCK 313549107 54 2700 SH
DEFINED 0 0 2700
FEDERAL NAT'L MTG-ASSOC. COMMON STOCK 313586109 1497 23980 SH
DEFINED 15350 70 8560
FEDERAL RLTY INVT TR COMMON STOCK 313747206 94 5000 SH
DEFINED 5000 0 0
FEDERATED DEPT STORES INC DEL COMMON STOCK 31410H101 561 11090 SH
DEFINED 6435 0 4655
FELCOR LODGING TR INC COMMON STOCK 31430F101 4 200 SH
DEFINED 0 0 200
FIBERMARK INC COMMON STOCK 315646109 69 5900 SH
DEFINED 5900 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 406 5529 SH
DEFINED 1736 0 3793
FINOVA GROUP INC COMMON STOCK 317928109 43 1214 SH
DEFINED 1214 0 0
FINOVA GROUP INC COMMON STOCK 317928109 1 32 SH
OTHER 32 0 0
FIRST AVIATION SVCS INC COMMON STOCK 31865W108 6 1300 SH
DEFINED 1300 0 0
FIRST CTZNS BANCSHARES INC N C COMMON STOCK 31946M103 100 1434 SH
DEFINED 1434 0 0
FIRST DATA CORP COMMON STOCK 319963104 1539 31200 SH
DEFINED 28500 0 2700
FIRST INDL RLTY TR INC COMMON STOCK 32054K103 5 200 SH
DEFINED 0 0 200
FIRST PLACE FINL CORP COMMON STOCK 33610T109 128 12000 SH
DEFINED 12000 0 0
FIRST UN REAL ESTATE EQUITY & COMMON STOCK 337400105 24 5000 SH
DEFINED 5000 0 0
FIRST UNION CORP COMMON STOCK 337358105 192 5835 SH
DEFINED 5335 0 500
FIRSTAR BANC NEW COMMON STOCK 33763V109 963 45573 SH
DEFINED 36173 0 9400
FIRSTENERGY CORP COMMON STOCK 337932107 24 1051 SH
DEFINED 1051 0 0
FISERV INC COMMON STOCK 337738108 129 3375 SH
DEFINED 3375 0 0
FLEET BOSTON CORP COMMON STOCK 339030108 617 17721 SH
DEFINED 2657 260 14804
FLEET BOSTON CORP COMMON STOCK 339030108 14 400 SH
OTHER 400 0 0
FLORIDA PROGRESS CORPORATION* COMMON STOCK 341109106 111 2625 SH
DEFINED 2625 0 0
FLUOR CORP COMMON STOCK 343861100 124 2700 SH
DEFINED 0 0 2700
FMC (NEW) COMMON STOCK COMMON STOCK 302491303 209 3650 SH
DEFINED 3650 0 0
FOOTSTAR INC COMMON STOCK 344912100 18 575 SH
DEFINED 575 0 0
FORD MOTOR CO COM STK* COMMON STOCK 345370100 381 7147 SH
DEFINED 4525 0 2622
FORT JAMES CORP COMMON STOCK 347471104 3 102 SH
DEFINED 102 0 0
FORTUNE BRANDS INC COMMON STOCK 349631101 132 3988 SH
DEFINED 3988 0 0
FRANKLIN RES INC COMMON STOCK 354613101 48 1500 SH
DEFINED 0 0 1500
FREMONT GEN CORP COMMON STOCK 357288109 1 200 SH
DEFINED 0 0 200
FRIEDMANS INC COMMON STOCK 358438109 38 5100 SH
DEFINED 5100 0 0
GANNETT INC COMMON STOCK 364730101 188 2300 SH
DEFINED 200 0 2100
GAP INC COMMON STOCK 364760108 349 7578 SH
DEFINED 7278 0 300
GATEWAY INC COMMON STOCK 367626108 29 400 SH
DEFINED 400 0 0
GENE LOGIC INC COMMON STOCK 368689105 13 500 SH
DEFINED 0 0 500
GENERAL DYNAMICS CORP COMMON STOCK 369550108 158 3000 SH
DEFINED 0 0 3000
GENERAL ELECTRIC CO COM STK COMMON STOCK 369604103 40356 260782 SH
DEFINED 247240 248 13294
GENERAL ELECTRIC CO COM STK COMMON STOCK 369604103 696 4500 SH
OTHER 4400 0 100
GENERAL GROWTH PPTYS INC COMMON STOCK 370021107 60 2150 SH
DEFINED 2000 0 150
GENERAL INSTR CORP DEL COMMON STOCK 370120107 221 2600 SH
DEFINED 1500 0 1100
GENERAL MILLS COMMON STOCK 370334104 593 16584 SH
DEFINED 16584 0 0
GENERAL MOTORS CLASS H COMMON STOCK 370442832 229 2388 SH
DEFINED 2388 0 0
GENERAL MOTORS CORP COM STK COMMON STOCK 370442105 863 11868 SH
DEFINED 11003 65 800
GENUINE PARTS COMMON STOCK 372460105 17 675 SH
DEFINED 675 0 0
GENZYME CORP - GENL DIV COMMON STOCK 372917104 560 12450 SH
DEFINED 12300 0 150
GENZYME CORP - MOLECULAR ONCOL COMMON STOCK 372917500 0 42 SH
DEFINED 42 0 0
GENZYME CORP - SURGICAL PRODS COMMON STOCK 372917609 3 435 SH
DEFINED 409 0 26
GENZYME CORP COM-TISSUE REP COMMON STOCK 372917401 0 6 SH
DEFINED 6 0 0
GEO. A. HORMEL & CO* COMMON STOCK 440452100 665 16378 SH
DEFINED 0 0 16378
GEORGIA PAC CORP COM-TIMBER GR COMMON STOCK 373298702 28 1131 SH
DEFINED 1031 0 100
GEORGIA-PACIFIC CORP GROUP CO COMMON STOCK 373298108 629 12397 SH
DEFINED 7562 0 4835
GERBER SCIENTIFIC INC COMMON STOCK 373730100 118 5400 SH
DEFINED 5400 0 0
GILLETTE CO COM STK COMMON STOCK 375766102 1660 40293 SH
DEFINED 37178 0 3115
GLIMCHER RLTY TR COMMON STOCK 379302102 17 1300 SH
DEFINED 0 0 1300
GLOBAL CROSSING LTD COMMON STOCK G3921A100 145 2900 SH
DEFINED 0 0 2900
GLOBAL MARINE INC COMMON STOCK 379352404 22 1350 SH
DEFINED 0 0 1350
GLOBALSTAR TELECOMMUNICTNS LCO COMMON STOCK G3930H104 4 98 SH
DEFINED 0 0 98
GOODRICH B F CO COMMON STOCK 382388106 174 6325 SH
DEFINED 6325 0 0
GOODYEAR TIRE & RUBBER CO COMMON STOCK 382550101 45 1600 SH
DEFINED 1600 0 0
GO2NET INC COMMON STOCK 383486107 44 500 SH
DEFINED 0 0 500
GPU INC COMMON STOCK 36225X100 35 1184 SH
DEFINED 1184 0 0
GRACE W R & CO DEL NEW COMMON STOCK 38388F108 14 992 SH
DEFINED 992 0 0
GRAPHON CORP COMMON STOCK 388707101 19 1000 SH
DEFINED 1000 0 0
GTE CORPORATION COMMON STOCK 362320103 1562 22134 SH
DEFINED 21184 0 950
GUIDANT CORP COMMON STOCK 401698105 575 12230 SH
DEFINED 9930 0 2300
GULFMARK OFFSHORE INC COMMON STOCK 402629109 2 104 SH
DEFINED 104 0 0
HADCO CORP COMMON STOCK 404681108 36 700 SH
DEFINED 700 0 0
HAIN FOOD GROUP INC COMMON STOCK 405219106 139 6200 SH
DEFINED 6200 0 0
HALLIBURTON CO COM STK COMMON STOCK 406216101 511 12700 SH
DEFINED 450 0 12250
HALLIBURTON CO COM STK COMMON STOCK 406216101 20 500 SH
OTHER 500 0 0
HALLWOOD RLTY PARTNERS L P COMMON STOCK 40636T203 2 42 SH
DEFINED 42 0 0
HARLEYSVILLE SVGS ASSN PA COMMON STOCK 412856106 13 1000 SH
DEFINED 1000 0 0
HARMON INDS INC NEW COMMON STOCK 413136102 28 2300 SH
DEFINED 2300 0 0
HARMONIC INC COMMON STOCK 413160102 878 9250 SH
DEFINED 9250 0 0
HARMONY GOLD MNG LTD COMMON STOCK 413216300 1 180 SH
DEFINED 180 0 0
HARRAHS ENTMT INC COMMON STOCK 413619107 90 3400 SH
DEFINED 0 0 3400
HARRAHS ENTMT INC COMMON STOCK 413619107 2 93 SH
OTHER 93 0 0
HARTFORD FINL SVCS GROUP INC COMMON STOCK 416515104 15425 325600 SH
DEFINED 318138 7462 0
HARTFORD LIFE INC COMMON STOCK 416592103 180 4100 SH
DEFINED 4100 0 0
HASBRO INC COMMON STOCK 418056107 102 5400 SH
DEFINED 0 0 5400
HAVERTY FURNITURE COS INC COMMON STOCK 419596101 35 2800 SH
DEFINED 2800 0 0
HAWAIIAN ELECTRIC INDUSTRIES I COMMON STOCK 419870100 12 400 SH
DEFINED 400 0 0
HAWK CORP COMMON STOCK 420089104 27 4600 SH
DEFINED 4600 0 0
HEALTH CARE PPTY INVS INC COMMON STOCK 421915109 10 400 SH
DEFINED 400 0 0
HEALTH CARE REIT INC COMMON STOCK 42217K106 23 1500 SH
DEFINED 1500 0 0
HEALTH MGMT ASSOC INC NEW COMMON STOCK 421933102 74 5505 SH
DEFINED 0 205 5300
HEALTHCARE RLTY TR COMMON STOCK 421946104 36 2300 SH
DEFINED 1500 0 800
HEALTHCARE SVCS GROUP INC COMMON STOCK 421906108 19 2700 SH
DEFINED 2700 0 0
HEINZ H J CO COM STK* COMMON STOCK 423074103 950 23850 SH
DEFINED 12100 0 11750
HERSHEY FOODS CORP COM STK* COMMON STOCK 427866108 47 1000 SH
DEFINED 1000 0 0
HEWLETT-PACKARD CO COMM STK COMMON STOCK 428236103 2809 24695 SH
DEFINED 15610 75 9010
HEWLETT-PACKARD CO COMM STK COMMON STOCK 428236103 8 70 SH
OTHER 70 0 0
HIGHWOODS PPTYS INC COMMON STOCK 431284108 104 4400 SH
DEFINED 4200 0 200
HILLENBRAND INDUSTRIES COMMON STOCK 431573104 621 19600 SH
DEFINED 19600 0 0
HILTON HOTELS CORP COMMON STOCK 432848109 3 300 SH
DEFINED 0 0 300
HILTON HOTELS CORP COMMON STOCK 432848109 0 48 SH
OTHER 48 0 0
HOME DEPOT COMMON STOCK 437076102 5813 84551 SH
DEFINED 80427 299 3825
HOME DEPOT COMMON STOCK 437076102 9 135 SH
OTHER 135 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 874 15151 SH
DEFINED 12834 155 2162
HOSPITALITY PPTYS TR COMMON STOCK 44106M102 64 3350 SH
DEFINED 2900 0 450
HOST MARRIOTT CORP NEW COMMON STOCK 44107P104 144 17450 SH
DEFINED 17450 0 0
HOUSEHOLD INTERNATIONAL* COMMON STOCK 441815107 440 11800 SH
DEFINED 6000 100 5700
HRPT PPTYS TR COM SH BEN INT COMMON STOCK 40426W101 71 7890 SH
DEFINED 7500 0 390
HUNT CORP COMMON STOCK 445591100 38 4000 SH
DEFINED 3800 0 200
HUNTINGTON BANCSHARES* COMMON STOCK 446150104 2125 89016 SH
DEFINED 84368 0 4648
HUSSMANN INTL INC COMMON STOCK 448110106 57 3800 SH
DEFINED 3800 0 0
HUTTIG BLDG PRODS INC COMMON STOCK 448451104 17 3489 SH
DEFINED 3489 0 0
HYSEQ INC COMMON STOCK 449163302 9 500 SH
DEFINED 0 0 500
I-STAT CORP COMMON STOCK 450312103 15 1000 SH
DEFINED 1000 0 0
ICOS CORP COMMON STOCK 449295104 3 100 SH
DEFINED 100 0 0
ICT GROUP INC COMMON STOCK 44929Y101 29 2400 SH
DEFINED 2400 0 0
IDEC PHARMACEUTICALS CORP COMMON STOCK 449370105 29 300 SH
DEFINED 0 0 300
IDEXX LABS INC COMMON STOCK 45168D104 3 200 SH
DEFINED 200 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 155 2291 SH
DEFINED 605 186 1500
ILLINOVA CORP COMMON STOCK 452317100 142 4097 SH
DEFINED 197 0 3900
IMATION CORP COMMON STOCK 45245A107 4 108 SH
DEFINED 108 0 0
IMATRON INC COMMON STOCK 452906100 5 2000 SH
DEFINED 0 0 2000
IMC GLOBAL INC. COM COMMON STOCK 449669100 80 4900 SH
DEFINED 0 0 4900
IMCLONE SYS INC COMMON STOCK 45245W109 20 500 SH
DEFINED 0 0 500
IMMUCOR INC COMMON STOCK 452526106 13 1000 SH
DEFINED 1000 0 0
IMPERIAL BANCORP COMMON STOCK 452556103 24 1000 SH
DEFINED 1000 0 0
IMPERIAL CHEMICAL COMMON STOCK 452704505 32 745 SH
DEFINED 0 0 745
IMPERIAL TOB GROUP PLC COMMON STOCK 453142101 2 105 SH
DEFINED 105 0 0
INCYTE PHARMACEUTICALS INC COMMON STOCK 45337C102 30 500 SH
DEFINED 0 0 500
INDIANA ENERGY INC COMMON STOCK 454707100 71 3993 SH
DEFINED 3993 0 0
INFINITY BROADCASTING CORP NEW COMMON STOCK 45662S102 730 20165 SH
DEFINED 20000 165 0
INFORMATION RES INC COMMON STOCK 456905108 26 2800 SH
DEFINED 2800 0 0
INGERSOLL RAND CO COMMON STOCK 456866102 138 2501 SH
DEFINED 501 0 2000
INT'L FLAVORS & FRAGRANCE COMMON STOCK 459506101 15 400 SH
DEFINED 400 0 0
INTEL CORP COMMON STOCK 458140100 5119 62187 SH
DEFINED 47066 406 14715
INTEL CORP COMMON STOCK 458140100 40 490 SH
OTHER 490 0 0
INTERNATIONAL BUSINESS MACHINE COMMON STOCK 459200101 6494 60202 SH
DEFINED 54053 956 5193
INTERNATIONAL BUSINESS MACHINE COMMON STOCK 459200101 29 270 SH
OTHER 270 0 0
INTERNATIONAL PAPER CO COM STK COMMON STOCK 460146103 50 885 SH
DEFINED 435 100 350
INTERNET CAP GROUP INC COMMON STOCK 46059C106 1382 8127 SH
DEFINED 8015 0 112
INTERPUBLIC GROUP COS INC COMMON STOCK 460690100 277 4800 SH
DEFINED 2400 0 2400
INTERTAN INC COMMON STOCK 461120107 280 10700 SH
DEFINED 10700 0 0
INTERVU INC COMMON STOCK 46114R106 53 500 SH
DEFINED 0 0 500
ISS GROUP INC COMMON STOCK 450306105 605 8500 SH
DEFINED 8500 0 0
ITT INDS INC IND COMMON STOCK 450911102 6959 208121 SH
DEFINED 204390 3731 0
JABIL CIRCUIT INC COMMON STOCK 466313103 15 200 SH
DEFINED 200 0 0
JDS UNIPHASE CORPORATION COMMON STOCK 46612J101 169 1050 SH
DEFINED 750 0 300
JEFFERSON PILOT CORP COMMON STOCK 475070108 676 9900 SH
DEFINED 6150 0 3750
JOHNSON + JOHNSON COM STK COMMON STOCK 478160104 8867 95093 SH
DEFINED 88552 0 6541
JOHNSON + JOHNSON COM STK COMMON STOCK 478160104 454 4870 SH
OTHER 4870 0 0
JOHNSON CTLS INC COMMON STOCK 478366107 104 1820 SH
DEFINED 1820 0 0
JOS A BANK CLOTHIERS INC COMMON STOCK 480838101 14 4600 SH
DEFINED 4600 0 0
K TRON INTL INC COMMON STOCK 482730108 47 3500 SH
DEFINED 3500 0 0
K-MART COMMON STOCK 482584109 112 11150 SH
DEFINED 11150 0 0
KATY INDS INC COMMON STOCK 486026107 14 1600 SH
DEFINED 1600 0 0
KEANE INC COMMON STOCK 486665102 3 105 SH
DEFINED 0 105 0
KERR-MCGEE OIL INDUST. INC COM COMMON STOCK 492386107 444 7159 SH
DEFINED 5804 0 1355
KEYCORP NEW COMMON STOCK 493267108 46 2100 SH
DEFINED 2000 0 100
KIMBERLY CLARK CORP COMMON STOCK 494368103 819 12515 SH
DEFINED 4200 80 8235
KIMCO RLTY CORP COMMON STOCK 49446R109 95 2800 SH
DEFINED 2800 0 0
KNIGHT RIDDER INC COMMON STOCK 499040103 125 2100 SH
DEFINED 2100 0 0
KRANZCO RLTY TR COMMON STOCK 50076E103 1 100 SH
DEFINED 0 0 100
KROGER CO COM STK COMMON STOCK 501044101 485 25702 SH
DEFINED 6402 200 19100
L-3 COMMUNICATIONS HLDGS INC COMMON STOCK 502424104 7 170 SH
DEFINED 0 0 170
LAIDLAW INC COMMON STOCK 50730K503 62 11715 SH
DEFINED 0 0 11715
LAUDER ESTEE COS INC COMMON STOCK 518439104 136 2700 SH
DEFINED 2700 0 0
LEHMAN BROS HLDGS INC COMMON STOCK 524908100 43 512 SH
DEFINED 512 0 0
LEXMARK INTL GROUP INC COMMON STOCK 529771107 362 4000 SH
DEFINED 0 0 4000
LG&E ENERGY CORP COMMON STOCK 501917108 67 3838 SH
DEFINED 3838 0 0
LIBERTY PPTY TR COMMON STOCK 531172104 129 5200 SH
DEFINED 5000 0 200
LIFETIME HOAN CORP COMMON STOCK 531926103 8 1600 SH
DEFINED 1600 0 0
LIGHTPATH TECHNOLOGIES INC COMMON STOCK 532257102 1215 65000 SH
DEFINED 65000 0 0
LIMITED INC. (DEL.) COMMON STOCK 532716107 303 7000 SH
DEFINED 7000 0 0
LINCOLN NATL CORP IND COM STK COMMON STOCK 534187109 355 8872 SH
DEFINED 8872 0 0
LIZ CLAIBORNE COMMON STOCK 539320101 71 1900 SH
DEFINED 0 0 1900
LOCKHEED MARTIN CORP COMMON STOCK 539830109 266 12138 SH
DEFINED 12138 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 7 300 SH
OTHER 300 0 0
LOEWS COMMON STOCK 540424108 42 700 SH
DEFINED 0 0 700
LONDON PAC GROUP LTD COMMON STOCK 542073101 360 10000 SH
DEFINED 10000 0 0
LONGS DRUG STORES CORP COMMON STOCK 543162101 26 1000 SH
DEFINED 1000 0 0
LOUISIANA PAC CORP COMMON STOCK 546347105 3 206 SH
DEFINED 206 0 0
LOWES COS INC COMMON STOCK 548661107 342 5725 SH
DEFINED 150 0 5575
LSI LOGIC CORP COMMON STOCK 502161102 115 1700 SH
DEFINED 1100 0 600
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 9804 130721 SH
DEFINED 122445 177 8099
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 374 4992 SH
OTHER 4344 0 648
LYCOS INC COMMON STOCK 550818108 10 120 SH
DEFINED 120 0 0
LYDALL INC COMMON STOCK 550819106 52 7800 SH
DEFINED 7800 0 0
LYONDELL PETR CHEMICAL COMMON STOCK 552078107 108 8500 SH
DEFINED 6800 0 1700
LYONDELL PETR CHEMICAL COMMON STOCK 552078107 6 500 SH
OTHER 500 0 0
MACERICH CO COMMON STOCK 554382101 4 200 SH
DEFINED 0 0 200
MAGELLAN PETE CORP COMMON STOCK 559091301 13 10000 SH
DEFINED 0 0 10000
MALLINCKRODT GROUP INC COMMON STOCK 561232109 16 500 SH
DEFINED 500 0 0
MANOR CARE INC. COMMON STOCK 564055101 38 2400 SH
DEFINED 0 0 2400
MANUFACTURED HOME CMNTYS INC COMMON STOCK 564682102 5 200 SH
DEFINED 0 0 200
MARK IV INDS INC COMMON STOCK 570387100 149 8405 SH
DEFINED 5300 0 3105
MARRIOTT INTL INC NEW CLASS A COMMON STOCK 571903202 593 18800 SH
DEFINED 14900 0 3900
MARSH & MCLENNAN COS INS* COMMON STOCK 571748102 630 6580 SH
DEFINED 5980 0 600
MARSHALL & ILSLEY CORP COMMON STOCK 571834100 6 100 SH
DEFINED 0 0 100
MARTIN MARIETTA MATLS INC COMMON STOCK 573284106 69 1694 SH
DEFINED 1694 0 0
MASCO CORP COMMON STOCK 574599106 9 340 SH
DEFINED 340 0 0
MATTEL INC COMMON STOCK 577081102 68 5157 SH
DEFINED 1257 0 3900
MATTHEWS INTL CORP COMMON STOCK 577128101 11 400 SH
DEFINED 400 0 0
MAY DEPT STORE COMMON STOCK 577778103 173 5370 SH
DEFINED 1900 120 3350
MAY DEPT STORE COMMON STOCK 577778103 141 4387 SH
OTHER 4387 0 0
MAZEL STORES INC COMMON STOCK 578792103 19 2000 SH
DEFINED 2000 0 0
MBNA CORP COMMON STOCK 55262L100 90 3317 SH
DEFINED 3317 0 0
MCDERMOTT INTL INC COMMON STOCK 580037109 14 1500 SH
DEFINED 1500 0 0
MCDONALD'S CORP COMMON STOCK 580135101 1066 26435 SH
DEFINED 13960 175 12300
MCDONALD'S CORP COMMON STOCK 580135101 323 8000 SH
OTHER 8000 0 0
MCGRAW HILL INC COMMON STOCK 580645109 563 9130 SH
DEFINED 9130 0 0
MCGRAW HILL INC COMMON STOCK 580645109 25 400 SH
OTHER 400 0 0
MCI WORLDCOM INC COMMON STOCK 55268B106 4287 80799 SH
DEFINED 60808 344 19647
MCI WORLDCOM INC COMMON STOCK 55268B106 18 330 SH
OTHER 120 0 210
MCKESSON HBOC INC COMMON STOCK 58155Q103 2 100 SH
DEFINED 0 0 100
MEDIA 100 INC COMMON STOCK 58440W105 40 1500 SH
DEFINED 1500 0 0
MEDIAONE GROUP INC COM COMMON STOCK 58440J104 1685 21931 SH
DEFINED 18359 60 3512
MEDIAONE GROUP INC COM COMMON STOCK 58440J104 32 416 SH
OTHER 416 0 0
MEDITRUST COMMON STOCK 58501T306 20 3604 SH
DEFINED 3604 0 0
MEDTRONIC INC COMMON STOCK 585055106 1813 49754 SH
DEFINED 42590 134 7030
MELLON FINL CORP COMMON STOCK 58551A108 364 10694 SH
DEFINED 10444 0 250
MELLON FINL CORP COMMON STOCK 58551A108 61 1800 SH
OTHER 0 0 1800
MERCK + CO COM STK COMMON STOCK 589331107 6579 97924 SH
DEFINED 85274 0 12650
MERCK + CO COM STK COMMON STOCK 589331107 457 6800 SH
OTHER 6800 0 0
MERITOR AUTOMOTIVE INC COMMON STOCK 59000G100 75 3855 SH
DEFINED 3855 0 0
MERIX CORP COMMON STOCK 590049102 28 2500 SH
DEFINED 2500 0 0
MERRILL LYNCH & CO COMMON STOCK 590188108 1155 13860 SH
DEFINED 13790 0 70
MESTEK INC COMMON STOCK 590829107 38 1900 SH
DEFINED 1900 0 0
METRICOM INC COMMON STOCK 591596101 18 226 SH
DEFINED 0 0 226
MGI PPTYS COMMON STOCK 552885105 27 5100 SH
DEFINED 5100 0 0
MGIC INVT CORP WIS COMMON STOCK 552848103 524 8700 SH
DEFINED 6400 0 2300
MICRON TECHNOLOGY INC COMMON STOCK 595112103 8 100 SH
DEFINED 0 0 100
MICROSEMI CORP COMMON STOCK 595137100 39 4400 SH
DEFINED 4400 0 0
MICROSOFT CORP COMMON STOCK 594918104 16923 144949 SH
DEFINED 132759 307 11883
MICROSOFT CORP COMMON STOCK 594918104 11 90 SH
OTHER 90 0 0
MILLENNIUM CHEMICALS INC COMMON STOCK 599903101 21 1050 SH
DEFINED 1050 0 0
MILLENNIUM PHARMACEUTICALS INC COMMON STOCK 599902103 30 243 SH
DEFINED 0 0 243
MINNESOTA MINING + MFG CO COMM COMMON STOCK 604059105 940 9609 SH
DEFINED 5529 80 4000
MINNESOTA POWER, INC. COMMON STOCK 604110106 34 2000 SH
DEFINED 2000 0 0
MIRAGE RESORTS INC COMMON STOCK 60462E104 8 500 SH
DEFINED 500 0 0
MODINE MFG CO COMMON STOCK 607828100 5 200 SH
DEFINED 200 0 0
MONRO MUFFLER BRAKE INC COMMON STOCK 610236101 90 12000 SH
DEFINED 12000 0 0
MONSANTO CO COM STK COMMON STOCK 611662107 465 13130 SH
DEFINED 8500 130 4500
MONTANA POWER COMMON STOCK 612085100 108 3000 SH
DEFINED 3000 0 0
MORGAN J P & CO INC* COMMON STOCK 616880100 801 6325 SH
DEFINED 6325 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 268 1874 SH
DEFINED 234 40 1600
MORGAN STANLEY DEAN WITTER IND COMMON STOCK 61745C105 28 1700 SH
DEFINED 1700 0 0
MORRISON MGMT SPECIALISTS INC. COMMON STOCK 618459101 41 1890 SH
DEFINED 1890 0 0
MOTOROLA INC COMMON STOCK 620076109 1990 13516 SH
DEFINED 13100 0 416
MOTOROLA INC COMMON STOCK 620076109 206 1400 SH
OTHER 1400 0 0
MPW INDL SVCS GROUP INC COMMON STOCK 553444100 8 1000 SH
DEFINED 1000 0 0
MUELLER INDS INC COMMON STOCK 624756102 2 44 SH
OTHER 44 0 0
MURPHY OIL CORP COM STK* COMMON STOCK 626717102 740 12900 SH
DEFINED 12900 0 0
MUSICLAND STORES CORP COMMON STOCK 62758B109 18 2100 SH
DEFINED 2100 0 0
MYERS INDS INC COMMON STOCK 628464109 48 3050 SH
DEFINED 3050 0 0
MYLAN LAB INC* COMMON STOCK 628530107 1655 65708 SH
DEFINED 63208 0 2500
NABORS INDS INC COMMON STOCK 629568106 5 157 SH
DEFINED 157 0 0
NACCO INDS INC CL A COMMON STOCK 629579103 3 46 SH
OTHER 46 0 0
NASDAQ 100 TR COMMON STOCK 631100104 114 626 SH
DEFINED 465 0 161
NASH FINCH CO COMMON STOCK 631158102 20 3200 SH
DEFINED 3200 0 0
NASHUA CORP COMMON STOCK 631226107 22 2900 SH
DEFINED 2900 0 0
NATIONAL CITY BANCORPORATION COMMON STOCK 635312101 2 124 SH
DEFINED 124 0 0
NATIONAL CITY CORP COMMON STOCK 635405103 158 6676 SH
DEFINED 6676 0 0
NATIONAL FUEL GAS CO N J COMMON STOCK 636180101 238 5115 SH
DEFINED 5115 0 0
NATIONAL GOLF PPTYS INC COMMON STOCK 63623G109 49 2500 SH
DEFINED 1500 0 1000
NATIONWIDE FINL SVCS INC COMMON STOCK 638612101 53 1880 SH
DEFINED 1880 0 0
NCR CORP NEW COMMON STOCK 62886E108 66 1736 SH
DEFINED 1681 0 55
NCR CORP NEW COMMON STOCK 62886E108 5 130 SH
OTHER 99 0 31
NEOMAGIC CORP COMMON STOCK 640497103 15 1400 SH
DEFINED 1400 0 0
NETMANAGE INC COMMON STOCK 641144100 5 1000 SH
DEFINED 0 0 1000
NETWORK APPLIANCE INC COMMON STOCK 64120L104 598 7200 SH
DEFINED 7200 0 0
NEW CENTY ENERGIES INC COMMON STOCK 64352U103 234 7705 SH
DEFINED 7705 0 0
NEW GERMANY FD INC COMMON STOCK 644465106 25 2000 SH
DEFINED 2000 0 0
NEW PLAN EXCEL RLTY TR INC COMMON STOCK 648053106 65 4125 SH
DEFINED 3900 0 225
NEWELL RUBBERMAID, INC. COMMON STOCK 651229106 85 2948 SH
DEFINED 1448 0 1500
NEWMONT MNG CORP COMMON STOCK 651639106 4 160 SH
DEFINED 160 0 0
NEWPORT NEWS SHIPBUILDING INC COMMON STOCK 652228107 3 125 SH
DEFINED 125 0 0
NEXTEL COMMUNICATIONS INC COMMON STOCK 65332V103 505 4900 SH
DEFINED 4600 0 300
NEXTLINK COMMUNICATIONS INC CL COMMON STOCK 65333H707 42 500 SH
DEFINED 0 0 500
NIAGARA MOHAWK HOLDINGS INC. COMMON STOCK 653520106 85 6100 SH
DEFINED 100 0 6000
NICOR INC COMMON STOCK 654086107 2 70 SH
DEFINED 70 0 0
NIKE INC COMMON STOCK 654106103 94 1890 SH
DEFINED 300 0 1590
NISOURCE, INC. COMMON STOCK 65473P105 105 5888 SH
DEFINED 1088 0 4800
NOBLE AFFILIATES INC COMMON STOCK 654894104 111 5200 SH
DEFINED 0 0 5200
NOKIA CORP COMMON STOCK 654902204 899 4703 SH
DEFINED 4475 123 105
NORFOLK SOUTHERN CORPORATION COMMON STOCK 655844108 1776 86638 SH
DEFINED 86638 0 0
NORTHEAST UTILITIES* COMMON STOCK 664397106 8 400 SH
DEFINED 400 0 0
NORTHERN STATES POWER CO* COMMON STOCK 665772109 194 9952 SH
DEFINED 9952 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 5 90 SH
DEFINED 90 0 0
NOTIFY TECHNOLOGY CORP COMMON STOCK 669956104 1 100 SH
DEFINED 0 0 100
NOVELL INC COMMON STOCK 670006105 22 550 SH
DEFINED 0 0 550
NSTAR COMMON STOCK 67019E107 76 1872 SH
DEFINED 1872 0 0
NUCOR CORP COMMON STOCK 670346105 48 876 SH
OTHER 876 0 0
NVIDIA CORP COMMON STOCK 67066G104 12 250 SH
DEFINED 0 0 250
OAO TECHNOLOGY SOLUTIONS INC COMMON STOCK 67082B105 11 1360 SH
DEFINED 1360 0 0
OCCIDENTAL PETROLEUM CORP COM COMMON STOCK 674599105 66 3036 SH
DEFINED 2818 0 218
OFFICE DEPOT INC COMMON STOCK 676220106 146 13275 SH
DEFINED 675 0 12600
OGE ENERGY CORP COMMON STOCK 670837103 27 1404 SH
DEFINED 1404 0 0
OHIO CAS CORP COMMON STOCK 677240103 32 2000 SH
DEFINED 2000 0 0
OLD REP INTL CORP COMMON STOCK 680223104 33 2400 SH
DEFINED 500 0 1900
OM GROUP INC COMMON STOCK 670872100 69 2000 SH
DEFINED 2000 0 0
OMNICOM GROUP INC COMMON STOCK 681919106 160 1600 SH
DEFINED 1600 0 0
OMNIPOINT CORP COMMON STOCK 68212D102 121 1000 SH
DEFINED 1000 0 0
ONE VALLEY BANCORP, INC. COMMON STOCK 682419106 144703 4724984 SH
DEFINED 3188845 1354653 181486
ONE VALLEY BANCORP, INC. COMMON STOCK 682419106 518 16900 SH
OTHER 12677 0 4223
ONEIDA LTD COMMON STOCK 682505102 111 5100 SH
DEFINED 5100 0 0
OPTIMAL ROBOTICS CORP COMMON STOCK 68388R208 19 500 SH
DEFINED 0 0 500
ORACLE SYS CORP COMMON STOCK 68389X105 1202 10722 SH
DEFINED 7225 197 3300
ORBITAL SCIENCES CORP COMMON STOCK 685564106 19 1000 SH
DEFINED 1000 0 0
ORGANOGENESIS INC COMMON STOCK 685906109 4 500 SH
DEFINED 0 0 500
OWENS ILL INC COMMON STOCK 690768403 83 3300 SH
DEFINED 0 0 3300
P P & L RES INC COMMON STOCK 693499105 46 2000 SH
DEFINED 2000 0 0
P P G INDUSTRIES COMMON STOCK 693506107 31 500 SH
DEFINED 500 0 0
P P G INDUSTRIES COMMON STOCK 693506107 225 3600 SH
OTHER 3600 0 0
PAC-WEST TELECOM INC COMMON STOCK 69371Y101 4 150 SH
DEFINED 0 150 0
PACTIV CORP COMMON STOCK 695257105 14 1331 SH
DEFINED 1331 0 0
PACTIV CORP COMMON STOCK 695257105 6 600 SH
OTHER 600 0 0
PAGING NETWORK INC COMMON STOCK 695542100 0 200 SH
DEFINED 0 0 200
PANAMERICAN BEVERAGES INC COMMON STOCK P74823108 51 2500 SH
DEFINED 2500 0 0
PARAMETRIC TECHNOLOGY CORP COMMON STOCK 699173100 3 100 SH
DEFINED 0 0 100
PARK PL ENTMT CORP COMMON STOCK 700690100 4 300 SH
DEFINED 0 0 300
PATRICK INDS INC COMMON STOCK 703343103 16 1700 SH
DEFINED 1700 0 0
PAYLESS SHOESOURCE INC COMMON STOCK 704379106 102 2160 SH
DEFINED 160 0 2000
PAYLESS SHOESOURCE INC COMMON STOCK 704379106 52 1108 SH
OTHER 1108 0 0
PE CORP COMMON STOCK 69332S201 1192 8000 SH
DEFINED 8000 0 0
PE CORP COMMON STOCK 69332S102 1036 8615 SH
DEFINED 8350 0 265
PECO ENERGY CO COMMON STOCK 693304107 20 585 SH
DEFINED 585 0 0
PENN ENGR & MFG CORP COMMON STOCK 707389300 83 3600 SH
DEFINED 3600 0 0
PENNEY J C CO COM STK* COMMON STOCK 708160106 13 632 SH
DEFINED 632 0 0
PENNZOIL-QUAKER ST CO COMMON STOCK 709323109 7 646 SH
DEFINED 646 0 0
PENNZOIL-QUAKER ST CO COMMON STOCK 709323109 75 7383 SH
OTHER 7383 0 0
PEOPLES BANCORP INC COMMON STOCK 709789101 46 2145 SH
DEFINED 2145 0 0
PEOPLES ENERGY CORP COMMON STOCK 711030106 3 84 SH
DEFINED 84 0 0
PEOPLESOFT INC COMMON STOCK 712713106 23 1100 SH
DEFINED 1000 0 100
PEPSICO INC COMMON STOCK 713448108 1929 54729 SH
DEFINED 53529 0 1200
PEPSICO INC COMMON STOCK 713448108 63 1800 SH
OTHER 1800 0 0
PERCEPTRON INC COMMON STOCK 71361F100 11 2800 SH
DEFINED 2800 0 0
PFIZER INC COM STK COMMON STOCK 717081103 5435 167568 SH
DEFINED 157603 240 9725
PG & E CORP COMMON STOCK 69331C108 93 4549 SH
DEFINED 4549 0 0
PHARMACIA & UPJOHN INC COMMON STOCK 716941109 218 4845 SH
DEFINED 2590 0 2255
PHELPS DODGE CORP COMMON STOCK 717265102 27 396 SH
DEFINED 396 0 0
PHILIP MORRIS COS INC COMMON STOCK 718154107 1948 84700 SH
DEFINED 78965 0 5735
PHILIP MORRIS COS INC COMMON STOCK 718154107 14 600 SH
OTHER 600 0 0
PHILLIPS PETROLEUM CO COM STK* COMMON STOCK 718507106 221 4705 SH
DEFINED 4105 0 600
PHONE COM INC COMMON STOCK 71920Q100 580 5000 SH
DEFINED 5000 0 0
PIEDMONT NAT GAS INC COMMON STOCK 720186105 226 7500 SH
DEFINED 7500 0 0
PIER 1 IMPORTS INC COMMON STOCK 720279108 27 4200 SH
DEFINED 4200 0 0
PITNEY BOWES INC. COMMON STOCK 724479100 220 4550 SH
DEFINED 4400 0 150
PITNEY BOWES INC. COMMON STOCK 724479100 145 3000 SH
OTHER 3000 0 0
PITTSTON BAX GROUP COMMON STOCK 725701882 1 50 SH
DEFINED 50 0 0
PITTSTON SERVICES GROUP COMMON STOCK 725701106 2 100 SH
DEFINED 100 0 0
PLEXUS CORP COMMON STOCK 729132100 70 1600 SH
DEFINED 1600 0 0
PNC BANK CORP COMMON STOCK 693475105 1280 28775 SH
DEFINED 28675 0 100
PNC BANK CORP COMMON STOCK 693475105 12 280 SH
OTHER 280 0 0
POLICY MGMT SYS CORP COMMON STOCK 731108106 18 700 SH
DEFINED 700 0 0
POST PPTYS INC COMMON STOCK 737464107 120 3125 SH
DEFINED 3000 0 125
POTOMAC ELECTRIC POWER CO COM COMMON STOCK 737679100 344 14987 SH
DEFINED 14987 0 0
POTOMAC ELECTRIC POWER CO COM COMMON STOCK 737679100 55 2384 SH
OTHER 2384 0 0
POWER-ONE INC COMMON STOCK 739308104 23 500 SH
DEFINED 500 0 0
PRAXAIR INC COMMON STOCK 74005P104 250 4970 SH
DEFINED 3970 0 1000
PRAXAIR INC COMMON STOCK 74005P104 8 150 SH
OTHER 150 0 0
PREMIER FINL BANCORP INC COMMON STOCK 74050M105 25 2770 SH
DEFINED 2770 0 0
PREMIER FINL BANCORP INC COMMON STOCK 74050M105 6 630 SH
OTHER 630 0 0
PRENTISS PPTYS TR COMMON STOCK 740706106 128 6000 SH
DEFINED 6000 0 0
PRIMESOURCE CORP COMMON STOCK 741593107 28 5900 SH
DEFINED 5900 0 0
PRINTRONIX INC COMMON STOCK 742578107 34 1500 SH
DEFINED 1500 0 0
PRIORITY HEALTHCARE CORP COMMON STOCK 74264T102 168 5790 SH
DEFINED 5790 0 0
PROCTER & GAMBLE CO COM STK* COMMON STOCK 742718109 2908 26545 SH
DEFINED 22625 0 3920
PROFIT RECOVERY GROUP INTL INC COMMON STOCK 743168106 165 6225 SH
DEFINED 6225 0 0
PROLOGIS TR SH BEN INT COMMON STOCK 743410102 105 5454 SH
DEFINED 5454 0 0
PROVANTAGE HEALTH SVCS INC COMMON STOCK 743725103 15 1700 SH
DEFINED 1700 0 0
PROVIDIAN FINL CORP COMMON STOCK 74406A102 3413 37485 SH
DEFINED 37300 185 0
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK 744573106 182 5223 SH
DEFINED 5223 0 0
PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK 744573106 16 465 SH
OTHER 465 0 0
PUBLIC STORAGE INC COMMON STOCK 74460D109 10 430 SH
DEFINED 430 0 0
PUGET SOUND ENERGY INC. COMMON STOCK 745332106 29 1490 SH
DEFINED 200 0 1290
QLOGIC CORP COMMON STOCK 747277101 815 5100 SH
DEFINED 4800 0 300
QUAKER OATS CO COMMON STOCK 747402105 166 2536 SH
DEFINED 2536 0 0
QUALCOMM INC COMMON STOCK 747525103 3031 17208 SH
DEFINED 13600 0 3608
QUANTUM CORP DSSG COM COMMON STOCK 747906204 5 350 SH
DEFINED 0 0 350
QUANTUM CORP HDDG COM COMMON STOCK 747906303 1 175 SH
DEFINED 0 0 175
QUESTAR CORP COMMON STOCK 748356102 120 8000 SH
DEFINED 8000 0 0
QUINTILES TRANSNATIONAL CORP COMMON STOCK 748767100 34 1800 SH
DEFINED 0 0 1800
QWEST COMMUNICATIONS INTL INC COMMON STOCK 749121109 17 400 SH
DEFINED 400 0 0
R & B FALCON CORP COMMON STOCK 74912E101 40 3000 SH
DEFINED 0 0 3000
R & B INC COMMON STOCK 749124103 15 3200 SH
DEFINED 3200 0 0
RALCORP HLDGS INC NEW COMMON STOCK 751028101 56 2799 SH
DEFINED 2799 0 0
RALSTON PURINA CO COMMON STOCK 751277302 885 31746 SH
DEFINED 31746 0 0
RAYONIER INC COMMON STOCK 754907103 2372 49107 SH
DEFINED 49107 0 0
RAYTHEON CO COMMON STOCK 755111309 13 531 SH
DEFINED 531 0 0
RAYTHEON CO. COM COMMON STOCK 755111408 1 30 SH
DEFINED 0 30 0
REALTY INCOME CORP COMMON STOCK 756109104 33 1600 SH
DEFINED 1600 0 0
REGIONS FINL CORP COMMON STOCK 758940100 133 5304 SH
DEFINED 5304 0 0
RELIANT ENERGY, INC. COMMON STOCK 75952J108 8 367 SH
DEFINED 367 0 0
REMEDYTEMP INC COMMON STOCK 759549108 61 3200 SH
DEFINED 3200 0 0
REPLIGEN CORP COMMON STOCK 759916109 6 2000 SH
DEFINED 0 0 2000
REPUBLIC SEC FINL CORP COMMON STOCK 760758102 3 375 SH
DEFINED 375 0 0
REYNOLDS METALS CO COMMON STOCK 761763101 132 1720 SH
DEFINED 120 0 1600
RF MICRO DEVICES INC COMMON STOCK 749941100 68 1000 SH
DEFINED 0 0 1000
RGC RESOURCES INC. COMMON STOCK 74955L103 1 45 SH
DEFINED 45 0 0
RICHARDSON ELECTRS LTD COMMON STOCK 763165107 19 2500 SH
DEFINED 2500 0 0
ROCKWELL INTL CORP NEW COMMON STOCK 773903109 664 13869 SH
DEFINED 12369 0 1500
ROCKWELL INTL CORP NEW COMMON STOCK 773903109 144 3000 SH
OTHER 3000 0 0
ROGERS CORP COMMON STOCK 775133101 126 3300 SH
DEFINED 3300 0 0
ROGUE WAVE SOFTWARE INC COMMON STOCK 775369101 24 3000 SH
DEFINED 3000 0 0
ROHM + HAAS CO COM STK* COMMON STOCK 775371107 149 3672 SH
DEFINED 3672 0 0
ROHN INDS INC COMMON STOCK 775381106 14 4800 SH
DEFINED 4800 0 0
ROSLYN BANCORP INC COMMON STOCK 778162107 6 350 SH
DEFINED 0 0 350
RUBY TUESDAY INC COMMON STOCK 781182100 103 5670 SH
DEFINED 5670 0 0
RYANS FAMILY STEAK HOUSES INC COMMON STOCK 783519101 9 1000 SH
DEFINED 1000 0 0
RYDER SYS INC COMMON STOCK 783549108 90 3677 SH
DEFINED 3677 0 0
SAFECO CORP COMMON STOCK 786429100 41 1650 SH
DEFINED 0 0 1650
SAFEGUARD SCIENTIFICS INC COMMON STOCK 786449108 391 2400 SH
DEFINED 2200 0 200
SAFETY 1ST INC COMMON STOCK 786475103 11 1400 SH
DEFINED 1400 0 0
SAFETY-KLEEN CORP NEW COMMON STOCK 78648R203 10 843 SH
DEFINED 843 0 0
SAFEWAY INC COMMON STOCK 786514208 178 4982 SH
DEFINED 4600 382 0
SAKS INC COMMON STOCK 79377W108 2 100 SH
DEFINED 0 0 100
SALTON COMMON STOCK 795757103 74 2200 SH
DEFINED 2200 0 0
SANTA FE INTL CORP COMMON STOCK G7805C108 16 600 SH
DEFINED 0 0 600
SANTA FE SNYDER CORP COM COMMON STOCK 80218K105 5 686 SH
DEFINED 186 0 500
SARA LEE CORP. COMMON STOCK 803111103 53 2400 SH
DEFINED 2400 0 0
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 11107 227845 SH
DEFINED 220657 0 7188
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 143 2940 SH
OTHER 2940 0 0
SCANA CORP COMMON STOCK 805898103 70 2616 SH
OTHER 2616 0 0
SCHERING-PLOUGH CORP COM STK* COMMON STOCK 806605101 5152 121585 SH
DEFINED 107760 105 13720
SCHLUMBERGER LTD COMMON COMMON STOCK 806857108 652 11622 SH
DEFINED 11622 0 0
SCHWAB CHARLES CORP NEW COMMON STOCK 808513105 15 400 SH
DEFINED 0 0 400
SCIENTIFIC ATLANTA INC COMMON STOCK 808655104 21 375 SH
DEFINED 0 0 375
SCOTT TECHNOLOGIES INC COMMON STOCK 810022301 87 4600 SH
DEFINED 4600 0 0
SDL INC COMMON STOCK 784076101 414 1900 SH
DEFINED 1900 0 0
SEAGATE TECHNOLOGY COMMON STOCK 811804103 177 3800 SH
DEFINED 0 0 3800
SEALED AIR CORP NEW COMMON STOCK 81211K100 28 531 SH
DEFINED 531 0 0
SEARS ROEBUCK + CO CAP STK COMMON STOCK 812387108 59 1940 SH
DEFINED 1940 0 0
SENIOR HSG PPTYS TR COMMON STOCK 81721M109 10 789 SH
DEFINED 750 0 39
SERVICEMASTER CO. COM COMMON STOCK 81760N109 12 1000 SH
DEFINED 1000 0 0
SHAW INDS INC COMMON STOCK 820286102 82 5300 SH
DEFINED 0 0 5300
SHELL TRANSPORT & TRADING LTD COMMON STOCK 822703609 116 2360 SH
DEFINED 0 0 2360
SHERWIN WILLIAMS CO COMMON STOCK 824348106 124 5900 SH
DEFINED 3200 0 2700
SHONEYS INC. COMMON STOCK 825039100 6 4000 SH
DEFINED 2000 0 2000
SHOPKO STORES INC COMMON STOCK 824911101 120 5200 SH
DEFINED 5200 0 0
SIGMA ALDRICH CORP COMMON STOCK 826552101 91 3040 SH
DEFINED 3040 0 0
SIGMA ALDRICH CORP COMMON STOCK 826552101 90 3000 SH
OTHER 3000 0 0
SIMON PPTY GROUP INC NEW COMMON STOCK 828806109 46 2000 SH
DEFINED 2000 0 0
SITEL CORP COMMON STOCK 82980K107 21 3000 SH
DEFINED 3000 0 0
SIZZLER INTL INC COMMON STOCK 830139101 7 2900 SH
DEFINED 2900 0 0
SLM HLDG CORP COMMON STOCK 78442A109 1221 28900 SH
DEFINED 28000 0 900
SMURFIT-STONE CONTAINER CORP COMMON STOCK 832727101 145 5900 SH
DEFINED 0 0 5900
SODEXHO MARRIOTT SVCS INC COMMON STOCK 833793102 30 2346 SH
DEFINED 1860 0 486
SOLECTRON CORP COMMON STOCK 834182107 35 365 SH
DEFINED 365 0 0
SOLUTIA INC COMMON STOCK 834376105 2 160 SH
DEFINED 160 0 0
SOUTHERN CO COM STK* COMMON STOCK 842587107 647 27531 SH
DEFINED 25231 0 2300
SOUTHWEST AIRLS CO COMMON STOCK 844741108 106 6595 SH
DEFINED 0 0 6595
SOVRAN SELF STORAGE INC COMMON STOCK 84610H108 410 22000 SH
DEFINED 22000 0 0
SPECTRUM CTL INC COMMON STOCK 847615101 44 4100 SH
DEFINED 4100 0 0
SPIEKER PPTYS INC COMMON STOCK 848497103 133 3640 SH
DEFINED 3500 0 140
SPRINT CORP PCS COMMON STOCK 852061506 22 219 SH
DEFINED 119 0 100
SPRINT CORPORATION (FON GROUP) COMMON STOCK 852061100 536 7967 SH
DEFINED 3352 115 4500
ST MICROELETRONICS N.V. COMMON STOCK 861012102 606 4000 SH
DEFINED 4000 0 0
STAPLES / OFFICE DEPOT INC. CO COMMON STOCK 855030102 5 225 SH
DEFINED 0 0 225
STATE AUTO FINL CORP COMMON STOCK 855707105 9 1000 SH
DEFINED 1000 0 0
STATE STR CORP COMMON STOCK 857477103 44 600 SH
DEFINED 600 0 0
STEEL DYNAMICS INC COMMON STOCK 858119100 3 200 SH
DEFINED 0 0 200
STONE AND WEBSTER INC COMMON STOCK 861572105 8 484 SH
DEFINED 484 0 0
STORAGE USA INC COMMON STOCK 861907103 61 2000 SH
DEFINED 2000 0 0
STRATTEC SEC CORP COMMON STOCK 863111100 5 160 SH
DEFINED 160 0 0
SUMMIT BANCORP COMMON STOCK 866005101 25 800 SH
DEFINED 800 0 0
SUMMIT PPTYS INC COMMON STOCK 866239106 77 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 2500 32280 SH
DEFINED 24980 0 7300
SUNBEAM CORP DEL NEW COMMON STOCK 867071102 1 150 SH
DEFINED 0 0 150
SUNBURST HOSPITALITY CORP COMMON STOCK 866948102 1 166 SH
DEFINED 0 0 166
SUNGARD DATA SYS INC COMMON STOCK 867363103 23 975 SH
DEFINED 0 0 975
SUNOCO, INC COMMON STOCK 86764P109 56 2400 SH
DEFINED 0 0 2400
SUNRISE TECHNOLOGIES INTL INC COMMON STOCK 86769L103 12 1000 SH
DEFINED 1000 0 0
SUNTRUST BANKS COMMON STOCK 867914103 424 6159 SH
DEFINED 5559 0 600
SUPERIOR INDS INTL INC COMMON STOCK 868168105 13 500 SH
DEFINED 500 0 0
SUPERVALU INC COMMON STOCK 868536103 72 3600 SH
DEFINED 0 0 3600
SYLVAN FOODS HLDGS INC COMMON STOCK 871371100 20 2300 SH
DEFINED 2300 0 0
SYMANTEC CORP COMMON STOCK 871503108 170 2900 SH
DEFINED 2900 0 0
SYSCO COMMON STOCK 871829107 421 10650 SH
DEFINED 1650 0 9000
SYSCO COMMON STOCK 871829107 317 8000 SH
OTHER 8000 0 0
TANDY CORP COMMON STOCK 875382103 49 1000 SH
DEFINED 1000 0 0
TECHNICLONE CORP COMMON STOCK 878517309 4 8000 SH
DEFINED 8000 0 0
TECHNITROL INC COMMON STOCK 878555101 191 4300 SH
DEFINED 4300 0 0
TECO ENERGY COMMON STOCK 872375100 45 2400 SH
DEFINED 2400 0 0
TELLABS INC COMMON STOCK 879664100 118 1835 SH
DEFINED 1200 185 450
TEMPLE-INLAND INC COMMON STOCK 879868107 92 1400 SH
DEFINED 0 0 1400
TENET HEALTHCARE CORP COMMON STOCK 88033G100 74 3160 SH
DEFINED 0 160 3000
TENNECO AUTOMOTIVE INC COMMON STOCK 880349105 2 265 SH
DEFINED 265 0 0
TENNECO AUTOMOTIVE INC COMMON STOCK 880349105 1 120 SH
OTHER 120 0 0
TERAYON COMMUNICATION SYS COMMON STOCK 880775101 242 3850 SH
DEFINED 3600 0 250
TEXACO INC COM STK* COMMON STOCK 881694103 1534 28243 SH
DEFINED 22793 0 5450
TEXAS INSTRUMENTS INC COM STK COMMON STOCK 882508104 387 4000 SH
DEFINED 2300 0 1700
TEXAS UTILITIES CO COM STK COMMON STOCK 882848104 132 3725 SH
DEFINED 1625 0 2100
TEXTRON INC COMMON STOCK 883203101 392 5108 SH
DEFINED 4208 0 900
TFC ENTERPRISES INC COMMON STOCK 872388103 8 2000 SH
DEFINED 0 0 2000
TIDEWATER INC COMMON STOCK 886423102 7 200 SH
DEFINED 0 0 200
TIME WARNER, INC COMMON STOCK 887315109 1142 15789 SH
DEFINED 15639 70 80
TIMES MIRROR CO NEW COMMON STOCK 887364107 214 3200 SH
DEFINED 3200 0 0
TIMKEN CO COMMON STOCK 887389104 196 9580 SH
DEFINED 9580 0 0
TOO INC COMMON STOCK 890333107 147 8500 SH
DEFINED 8500 0 0
TOPPS INC COMMON STOCK 890786106 10 1000 SH
DEFINED 1000 0 0
TORCHMARK CORP COMMON STOCK 891027104 61 2100 SH
DEFINED 200 0 1900
TOSCO CORP COMMON STOCK 891490302 226 8320 SH
DEFINED 0 0 8320
TOYOTA MTR CORP COMMON STOCK 892331307 195 2000 SH
DEFINED 2000 0 0
TOYS R US COMMON STOCK 892335100 29 2000 SH
DEFINED 2000 0 0
TRANS WORLD ENTMT CORP COMMON STOCK 89336Q100 42 4000 SH
DEFINED 4000 0 0
TRANSOCEAN OFFSHORE INC CAYMOR COMMON STOCK G90076103 89 2630 SH
DEFINED 500 0 2130
TRANSPRO INC COMMON STOCK 893885103 2 375 SH
DEFINED 375 0 0
TRANSWITCH CORP COMMON STOCK 894065101 298 4100 SH
DEFINED 4100 0 0
TRAVELERS PPTY CAS CORP COMMON STOCK 893939108 3 85 SH
DEFINED 0 85 0
TRENWICK GROUP INC COMMON STOCK 895290104 30 1790 SH
DEFINED 1790 0 0
TRIAD HOSPS INC COMMON STOCK 89579K109 6 378 SH
DEFINED 0 0 378
TRIBUNE CO NEW COMMON STOCK 896047107 418 7600 SH
DEFINED 7600 0 0
TRIBUNE CO NEW COMMON STOCK 896047107 8 150 SH
OTHER 150 0 0
TRICON GLOBAL RESTAURANTS INC COMMON STOCK 895953107 149 3868 SH
DEFINED 1746 0 2122
TRICON GLOBAL RESTAURANTS INC COMMON STOCK 895953107 7 180 SH
OTHER 180 0 0
TUPPERWARE CORP COMMON STOCK 899896104 13 750 SH
DEFINED 750 0 0
TUSCARORA INC COMMON STOCK 900902107 29 2400 SH
DEFINED 2400 0 0
TYCO INTL LTD NEW COMMON STOCK 902124106 2836 72730 SH
DEFINED 60776 269 11685
U S INDS INC NEW COMMON STOCK 912080108 0 15 SH
DEFINED 15 0 0
U S INTERACTIVE INC COMMON STOCK 90334M109 372 8650 SH
DEFINED 8650 0 0
ULTRAMAR DIAMOND SHAMROCK CORP COMMON STOCK 904000106 30 1336 SH
DEFINED 1336 0 0
UNICOM CORP COMMON STOCK 904911104 16 489 SH
DEFINED 489 0 0
UNIFY CORP COMMON STOCK 904743101 55 2000 SH
DEFINED 2000 0 0
UNION CARBIDE CORP CAP STK* COMMON STOCK 905581104 140 2095 SH
DEFINED 2095 0 0
UNION CARBIDE CORP CAP STK* COMMON STOCK 905581104 43 650 SH
OTHER 650 0 0
UNION PAC RES GROUP INC COMMON STOCK 907834105 287 22527 SH
DEFINED 11314 0 11213
UNION PACIFIC CORP COMMON STO* COMMON STOCK 907818108 751 17193 SH
DEFINED 14569 0 2624
UNISYS CORP COMMON STOCK 909214108 14 444 SH
DEFINED 444 0 0
UNITED BANKSHARE, INC. COMMON STOCK 909907107 7748 324515 SH
DEFINED 322515 0 2000
UNITED BANKSHARE, INC. COMMON STOCK 909907107 1198 50176 SH
OTHER 0 0 50176
UNITED DOMINION REALTY TR INC. COMMON STOCK 910197102 7 700 SH
DEFINED 700 0 0
UNITED HEALTHCARE CORP COMMON STOCK 910581107 181 3400 SH
DEFINED 1000 0 2400
UNITED PARCEL SERVICE INC COMMON STOCK 911312106 35 500 SH
DEFINED 500 0 0
UNITED TECHNOLOGIES CORP COMMO COMMON STOCK 913017109 1103 16975 SH
DEFINED 13405 50 3520
UNITIL CORP COMMON STOCK 913259107 36 1000 SH
DEFINED 1000 0 0
UNIVERSAL CORP VA COMMON STOCK 913456109 27 1200 SH
DEFINED 1200 0 0
UNOCAL CORPORATION COMMON STOCK 915289102 341 10165 SH
DEFINED 3800 0 6365
UNUMPROVIDENT CORP COMMON STOCK 91529Y106 3 100 SH
DEFINED 0 0 100
UROCOR INC COMMON STOCK 91727P105 6 1500 SH
DEFINED 1500 0 0
URS CORP NEW COMMON STOCK 903236107 8 350 SH
DEFINED 0 0 350
US WEST INC NEW COMMON STOCK 91273H101 2662 36972 SH
DEFINED 36092 195 685
US WEST INC NEW COMMON STOCK 91273H101 31 426 SH
OTHER 426 0 0
USWEB CORP COMMON STOCK 917327108 662 14900 SH
DEFINED 14700 0 200
USX MARATHON GROUP COMMON STOCK 902905827 302 12253 SH
DEFINED 5353 0 6900
USX-U S STL GROUP COMMON STOCK 90337T101 156 4740 SH
DEFINED 1140 0 3600
UTILICORP UTD INC COMMON STOCK 918005109 6 312 SH
DEFINED 312 0 0
V F CORP COMMON STOCK 918204108 45 1500 SH
DEFINED 0 0 1500
VALERO ENERGY CORP NEW COMMON STOCK 91913Y100 103 5200 SH
DEFINED 0 0 5200
VENATOR GROUP INC COM COMMON STOCK 922944103 8 1087 SH
DEFINED 1087 0 0
VENTAS INC COMMON STOCK 92276F100 0 37 SH
DEFINED 37 0 0
VERSATEL TELECOM INTL N V COMMON STOCK 925301103 562 16100 SH
DEFINED 16100 0 0
VESTA INS GROUP INC COMMON STOCK 925391104 0 100 SH
DEFINED 0 0 100
VIACOM INC NON VOTING CL B COMMON STOCK 925524308 224 3712 SH
DEFINED 3712 0 0
VIACOM INC VOTING COMMON STOCK 925524100 31 520 SH
DEFINED 320 0 200
VIAD CORP COMMON STOCK 92552R109 96 3426 SH
DEFINED 3426 0 0
VIAD CORP COMMON STOCK 92552R109 15 554 SH
OTHER 554 0 0
VISTA MED TECHNOLOGIES INC COMMON STOCK 928369107 0 500 SH
DEFINED 0 0 500
WABASH NATL CORP COMMON STOCK 929566107 15 1000 SH
DEFINED 1000 0 0
WACHOVIA CORP COMMON STOCK 929771103 4444 65356 SH
DEFINED 64356 0 1000
WAL-MART STORES INC COMMON STOCK 931142103 2157 31198 SH
DEFINED 25320 513 5365
WAL-MART STORES INC COMMON STOCK 931142103 774 11200 SH
OTHER 11200 0 0
WALGREEN COMPANY COMMON STOCK 931422109 1539 52600 SH
DEFINED 44600 0 8000
WALT DISNEY COMPANY THE COMMON STOCK 254687106 2192 74934 SH
DEFINED 67224 160 7550
WALT DISNEY COMPANY THE COMMON STOCK 254687106 9 300 SH
OTHER 300 0 0
WARNER LAMBERT COMPANY COMMON COMMON STOCK 934488107 1313 16029 SH
DEFINED 14850 179 1000
WASHINGTON GAS LT CO COMMON STOCK 938837101 97 3530 SH
DEFINED 3530 0 0
WASHINGTON MUT INC COMMON STOCK 939322103 284 10990 SH
DEFINED 4635 130 6225
WASHINGTON REAL ESTATE INVT TR COMMON STOCK 939653101 23 1500 SH
DEFINED 1500 0 0
WASTE MGMT INC DEL COMMON STOCK 94106L109 198 11548 SH
DEFINED 724 170 10654
WASTE MGMT INC DEL COMMON STOCK 94106L109 6 362 SH
OTHER 362 0 0
WATERS CORP COMMON STOCK 941848103 41 775 SH
DEFINED 0 0 775
WEATHERFORD INTL INC NEW COM COMMON STOCK 947074100 3 68 SH
DEFINED 68 0 0
WEINGARTEN RLTY INVS COMMON STOCK 948741103 74 1900 SH
DEFINED 1900 0 0
WELLS FARGO & CO. (NEW) COMMON STOCK 949746101 1636 40462 SH
DEFINED 34432 130 5900
WESBANCO INC COMMON STOCK 950810101 908 34910 SH
DEFINED 33259 0 1651
WESTERN RESOURCES INC COMMON STOCK 959425109 11 663 SH
DEFINED 663 0 0
WESTON ROY F INC NEW COMMON STOCK 961137106 9 4400 SH
DEFINED 4400 0 0
WESTPAC BKG CORP COMMON STOCK 961214301 58 1700 SH
DEFINED 1700 0 0
WESTVACO COMMON STOCK* COMMON STOCK 961548104 526 16114 SH
DEFINED 16114 0 0
WEYERHAEUSER COMMON STK COMMON STOCK 962166104 22 300 SH
DEFINED 300 0 0
WILLIAMS COS INC COMMON STOCK 969457100 1463 47878 SH
DEFINED 39536 0 8342
WILLIAMS COS INC COMMON STOCK 969457100 119 3900 SH
OTHER 3900 0 0
WILMINGTON TR CORP COMMON STOCK 971807102 29 600 SH
DEFINED 0 0 600
WINDMERE CORP COMMON STOCK 973411101 17 1000 SH
DEFINED 1000 0 0
WINN DIXIE STORES INC COMMON STOCK 974280109 10 400 SH
DEFINED 400 0 0
WISCONSIN ENERGY CORP COMMON STOCK 976657106 35 1800 SH
DEFINED 1800 0 0
WORTHINGTON INDS INC COMMON STOCK 981811102 50 3000 SH
DEFINED 3000 0 0
WPS RES CORP COMMON STOCK 92931B106 15 600 SH
DEFINED 600 0 0
WRIGLEY WM JR CO COMMON STOCK 982526105 21 250 SH
DEFINED 0 0 250
WVS FINL CORP COMMON STOCK 929358109 73 6000 SH
DEFINED 6000 0 0
XEROX CORP COM STK COMMON STOCK 984121103 390 17170 SH
DEFINED 15440 90 1640
XYBERNAUT CORP COMMON STOCK 984149104 13 2500 SH
DEFINED 0 0 2500
YAHOO INC COMMON STOCK 984332106 964 2228 SH
DEFINED 1719 0 509
YORK INTL CORP NEW COMMON STOCK 986670107 44 1600 SH
DEFINED 0 0 1600
3COM CORP COMMON STOCK 885535104 260 5525 SH
DEFINED 5325 0 200
BETHLEHEM STL CORP $5.00 PFD PREFERRED STOCK 087509402 19 800 SH
DEFINED N.A. N.A. N.A.
CAPSTEAD MTG CORP PREFERRED STOCK 14067E308 14 1500 SH
DEFINED N.A. N.A. N.A.
ROYAL BK SCOTLAND GROUP PLC PF PREFERRED STOCK 780097887 119 6000 SH
DEFINED N.A. N.A. N.A.
ROYAL BK SCOTLAND GROUP 9.50% PREFERRED STOCK 780097408 19 900 SH
DEFINED N.A. N.A. N.A.
USX-MARATHON GROUP 3.25% CONV PREFERRED STOCK 902905819 9 200 SH
DEFINED N.A. N.A. N.A.
CINCINNATI FINL CORP 5.500% 5 OTHER 172062AB7 42 20000 PRN
DEFINED N.A. N.A. N.A.
INTEGRATED DEVICE TE 5.500% 6 OTHER 458118AA4 44 40000 PRN
DEFINED N.A. N.A. N.A.
KERR-MCGEE CORP 7.5% 5/1 OTHER 492386AL1 93 100000 PRN
DEFINED N.A. N.A. N.A.
RES-CARE INC 6.000% 12 OTHER 760943AA8 20 25000 PRN
DEFINED N.A. N.A. N.A.
WMX TECH INC SUB NT 2.000% 1 OTHER 92929QAF4 3 4000 PRN
DEFINED N.A. N.A. N.A.
AVISTA CORPORATION PFD CONV SE OTHER 05379B503 15 1000 SH
DEFINED N.A. N.A. N.A.
AVISTA CORPORATION PFD CONV SE OTHER 05379B503 1 83 SH
OTHER N.A. N.A. N.A.
FELCOR LODGING TR INC OTHER 31430F200 23 1500 SH
DEFINED N.A. N.A. N.A.
SEALED AIR CORP NEW PFD CONV S OTHER 81211K209 24 471 SH
DEFINED N.A. N.A. N.A.
ACM GOVT INCOME FD INC OTHER 000912105 3 450 SH
DEFINED N.A. N.A. N.A.
AUSTRIA FD INC OTHER 052587102 51 4000 SH
DEFINED N.A. N.A. N.A.
BLACKROCK NORTH AMERN GOVT INC OTHER 092475102 87 9500 SH
DEFINED N.A. N.A. N.A.
BLACKROCK STRATEGIC TERM TR IN OTHER 09247P108 162 18400 SH
DEFINED N.A. N.A. N.A.
BLACKROCK 2001 TERM TR INC OTHER 092477108 160 18200 SH
DEFINED N.A. N.A. N.A.
DIAMONDS TR UNIT SER 1 OTHER 252787106 132 1150 SH
DEFINED N.A. N.A. N.A.
DUFF & PHELPS UTIL & CORPORATE OTHER 26432K108 5 400 SH
DEFINED N.A. N.A. N.A.
EIF AT & T EXCH 1 TAXABLE TRUS OTHER 294700703 101 500 SH
DEFINED N.A. N.A. N.A.
EMERGING MKTS TELECOMMUNICATIO OTHER 290887108 33 2035 SH
DEFINED N.A. N.A. N.A.
GERMANY FD INC OTHER 374143105 30 2000 SH
DEFINED N.A. N.A. N.A.
HANCOCK JOHN PATRIOT PREM DIVI OTHER 41013T105 18 2000 SH
DEFINED N.A. N.A. N.A.
HIGH INCOME OPPORTUNITY FD INC OTHER 42967Q105 4 500 SH
DEFINED N.A. N.A. N.A.
HYPERION 2002 TERM TR INC OTHER 448915108 203 25000 SH
DEFINED N.A. N.A. N.A.
INVESCO GLOBAL HEALTH SCIENCES OTHER 46128N109 15 1025 SH
DEFINED N.A. N.A. N.A.
ITALY FD INC OTHER 465395101 17 1000 SH
DEFINED N.A. N.A. N.A.
MANAGED HIGH INCOME PORTFOLIO OTHER 56166C105 4 500 SH
DEFINED N.A. N.A. N.A.
MENTOR INCOME FD INC OTHER 587204108 6 800 SH
DEFINED N.A. N.A. N.A.
MFS CHARTER INCOME TR OTHER 552727109 5 600 SH
DEFINED N.A. N.A. N.A.
MFS GOVT MKTS INCOME TR OTHER 552939100 57 10000 SH
DEFINED N.A. N.A. N.A.
MFS INTERMEDIATE INCOME FUND OTHER 55273C107 53 8800 SH
DEFINED N.A. N.A. N.A.
MORGAN STANLY DEAN WITR EMERGI OTHER 61744G107 11 700 SH
DEFINED N.A. N.A. N.A.
NUVEEN PREMIER INSD MUN INCOME OTHER 670987106 53 4033 SH
DEFINED N.A. N.A. N.A.
PILGRIM PRIME RATE TR NEW OTHER 72146W103 13 1600 SH
DEFINED N.A. N.A. N.A.
PIMCO COML MTG SECS TR INC OTHER 693388100 15 1285 SH
DEFINED N.A. N.A. N.A.
SECTOR FUND INT TECHNOLOGY OTHER 81369Y803 192 3565 SH
DEFINED N.A. N.A. N.A.
SPAIN FD INC OTHER 846330108 42 3000 SH
DEFINED N.A. N.A. N.A.
STANDARD AND POORS DEP RECPTS OTHER 78462F103 2343 15950 SH
DEFINED N.A. N.A. N.A.
SWISS HELVETIA FD INC OTHER 870875101 89 6418 SH
DEFINED N.A. N.A. N.A.
TEMPLETON DRAGON FD INC OTHER 88018T101 10 1048 SH
DEFINED N.A. N.A. N.A.
TEMPLETON EMERGING MKTS FD INC OTHER 880191101 27 2000 SH
DEFINED N.A. N.A. N.A.
TRI CONTINENTAL CORP OTHER 895436103 56 2000 SH
DEFINED N.A. N.A. N.A.
VESTAUR SECS INC OTHER 925464109 5 404 SH
DEFINED N.A. N.A. N.A.
ZWEIG FUND, INC OTHER 989834106 18 1800 SH
DEFINED N.A. N.A. N.A.
APEX MUNI FUND OTHER 037580107 289 33250 SH
DEFINED N.A. N.A. N.A.
DREYFUS STRATEGIC MUNS INC OTHER 261932107 38 5049 SH
DEFINED N.A. N.A. N.A.
KEMPER MUNICIPAL INCOME TRUST OTHER 48842C104 8 800 SH
DEFINED N.A. N.A. N.A.
MFS MUN INCOME TR OTHER 552738106 62 9500 SH
DEFINED N.A. N.A. N.A.
MUNIVEST FD II INC OTHER 62629P105 457 40653 SH
DEFINED N.A. N.A. N.A.
NUVEEN INSD MUN OPPORTUNITY FD OTHER 670984103 72 5936 SH
DEFINED N.A. N.A. N.A.
NUVEEN MUN MKT OPPORTUNITY FD OTHER 67062W103 25 2000 SH
OTHER N.A. N.A. N.A.
NUVEEN MUNICIPAL VALUE FUND OTHER 670928100 122 15500 SH
DEFINED N.A. N.A. N.A.
NUVEEN PREM INCOME FUND OTHER 67062T100 119 10000 SH
DEFINED N.A. N.A. N.A.
NUVEEN PREM INCOME MUN FD 2 IN OTHER 67063W102 18 1333 SH
DEFINED N.A. N.A. N.A.
NUVEEN SELECT QUALITY MUN FD I OTHER 670973106 24 2000 SH
OTHER N.A. N.A. N.A.
NUVEEN SELECT TAX FREE INCOME OTHER 67063X100 49 3980 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 29 3814 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.
AEGON N V OTHER 007924103 1975 20683 SH
DEFINED 20683 0 0
AKZO N V OTHER 010199305 48 955 SH
DEFINED 0 0 955
ALCATEL OTHER 013904305 72 1590 SH
DEFINED 0 0 1590
ASIA PULP & PAPER LTD OTHER 04516V100 39 4910 SH
DEFINED 0 0 4910
AUSTRALIA/NEW ZEALAND BKG GROU OTHER 052528304 148 4140 SH
DEFINED 2000 0 2140
BANCO SANTANDER CHILE ADR OTHER 05965F108 61 4000 SH
DEFINED 4000 0 0
BANK TOKYO-MITSUBISHI LTD OTHER 065379109 28 2000 SH
DEFINED 2000 0 0
BP AMOCO P L C OTHER 055622104 23596 397819 SH
DEFINED 397819 0 0
CABLE & WIRELESS HKT SPONS ADR OTHER 126828102 38 1290 SH
DEFINED 0 0 1290
CADBURY SCHWEPPES P L C OTHER 127209302 73 3000 SH
DEFINED 3000 0 0
CANADIAN PAC LTD NEW OTHER 135923100 88 4065 SH
DEFINED 0 265 3800
CNH GLOBAL N V OTHER N20935107 80 6025 SH
DEFINED 0 0 6025
COMCAST CORP CLA SPECIAL OTHER 200300200 561 11102 SH
DEFINED 10902 0 200
COMPANIA ANONIMA ADR OTHER 204421101 22 905 SH
DEFINED 0 0 905
CREDICORP LTD ADR OTHER G2519Y108 31 2565 SH
DEFINED 0 0 2565
CRISTALERIAS DE CHILE S A ADR OTHER 226714103 41 2855 SH
DEFINED 0 0 2855
DAIMLER-CHRYSLER AG OTHER D1668R123 184 2354 SH
DEFINED 1608 0 746
DE BEERS CONS MINES LTD OTHER 240253302 63 2185 SH
DEFINED 0 0 2185
DIAGEO PLC NEW OTHER 25243Q205 181 5660 SH
DEFINED 0 145 5515
ELAN PLC OTHER 284131208 372 12600 SH
DEFINED 10050 0 2550
ELF AQUITAINE OTHER 286269105 161 2100 SH
DEFINED 0 0 2100
ENDESA S A OTHER 29258N107 10 500 SH
DEFINED 500 0 0
ERICSSON L M TEL CO OTHER 294821400 2549 38807 SH
DEFINED 35700 7 3100
FLETCHER CHALLENGE BLDG SI ADR OTHER 339317109 52 3680 SH
DEFINED 0 0 3680
FRESENIUS MED CARE OTHER 358029106 30 1040 SH
DEFINED 1040 0 0
FUJI PHOTO FILM LTD OTHER 359586302 48 1265 SH
DEFINED 0 0 1265
GALLAHER GROUP PLC OTHER 363595109 26 1668 SH
DEFINED 1668 0 0
GENER S A ADR OTHER 368731105 28 1780 SH
DEFINED 0 0 1780
GERON CORP OTHER 374163103 0 15 SH
DEFINED 15 0 0
GLAXO PLC OTHER 37733W105 391 7000 SH
DEFINED 6600 0 400
GRUPO IMSA S A DE C V ADR OTHER 40048T106 42 2515 SH
DEFINED 0 0 2515
GUANGSHEN RY LTD OTHER 40065W107 32 5760 SH
DEFINED 0 0 5760
HANSON PLC OTHER 411352404 2 52 SH
DEFINED 52 0 0
HITACHI LTD OTHER 433578507 54 335 SH
DEFINED 335 0 0
HSBC HLDGS PLC ADR OTHER 404280406 49 690 SH
DEFINED 0 0 690
ING GROEP N V OTHER 456837103 61 1000 SH
DEFINED 1000 0 0
IPC HLDGS LTD OTHER G4933P101 15 1000 SH
DEFINED 0 0 1000
ISPAT INTL N V ADR OTHER 464899103 49 3015 SH
DEFINED 0 0 3015
KONINKLIJKE PHILIPS ELECTRS N OTHER 500472204 610 4521 SH
DEFINED 1564 0 2957
KYOCERA CORP OTHER 501556203 12 45 SH
DEFINED 0 0 45
MAKITA CORP OTHER 560877300 47 5455 SH
DEFINED 0 0 5455
NATIONAL WESTMINSTER BK PLC OTHER 638539403 129 1000 SH
DEFINED 1000 0 0
NEWS CORP LTD OTHER 652487802 165 4930 SH
DEFINED 0 0 4930
NEWS CORP LTD OTHER 652487703 4 110 SH
DEFINED 0 110 0
NIPPON TELEG & TEL CORP OTHER 654624105 95 1100 SH
DEFINED 0 0 1100
NORSK HYDRO A S OTHER 656531605 69 1625 SH
DEFINED 0 0 1625
NORTEL NETWORKS CORP COM OTHER 656569100 295 2920 SH
DEFINED 2770 0 150
PACIFIC DUNLOP LTD OTHER 694185208 59 10665 SH
DEFINED 0 0 10665
PECHINEY ADR OTHER 705151207 102 2800 SH
DEFINED 0 0 2800
REPSOL S A OTHER 76026T205 211 9055 SH
DEFINED 0 0 9055
REUTERS GROUP PLC OTHER 76132M102 14 173 SH
DEFINED 173 0 0
ROYAL BK CDA MONTREAL QUE OTHER 780087102 66 1500 SH
DEFINED 1500 0 0
ROYAL DUTCH PETE COGLDR 1.25 OTHER 780257804 1587 26200 SH
DEFINED 22700 0 3500
SAP AKTIENGESELLSCHAFT OTHER 803054204 172 3300 SH
DEFINED 3300 0 0
SCOR OTHER 80917Q106 75 1685 SH
DEFINED 0 0 1685
SCOTTISH PWR PLC ADR OTHER 81013T705 146 5232 SH
DEFINED 5232 0 0
SEAGRAM LTD COM STK* OTHER 811850106 2180 48708 SH
DEFINED 48708 0 0
SMITHKLINE BEECHAM P L C OTHER 832378301 245 3817 SH
DEFINED 1217 0 2600
SOCIEDAD QUIMICA MINERA DE ADR OTHER 833635105 17 535 SH
DEFINED 0 0 535
SONY CORP OTHER 835699307 399 1400 SH
DEFINED 1400 0 0
TAIWAN SEMICONDUCTOR MFG CO LT OTHER 874039100 5 100 SH
DEFINED 0 0 100
TELECOMUNICACOES BRASILEIRAS S OTHER 879287100 0 52 SH
DEFINED 0 0 52
TELECOMUNICACOES BRASILEIRAS S OTHER 879287308 61 475 SH
DEFINED 0 0 475
TELEFONICA DE ARGENTINA S A OTHER 879378206 38 1245 SH
DEFINED 0 0 1245
TELEFONOS DE MEXICO S A ADS OTHER 879403780 113 1000 SH
DEFINED 1000 0 0
TELESP PARTICIPACOES S A OTHER 87952K100 65 2645 SH
DEFINED 0 0 2645
TEVA PHARMACEUTICAL INDS LTD OTHER 881624209 243 3385 SH
DEFINED 2000 0 1385
TOTAL FINA SA OTHER 89151E109 198 2854 SH
DEFINED 1500 0 1354
TRANSCANADA PIPELINES LTD OTHER 893526103 13 1500 SH
DEFINED 1500 0 0
UNILEVER N V NY SHS OTHER 904784709 73 1338 SH
DEFINED 1338 0 0
VEBA AG ADR OTHER 92239H102 83 1650 SH
DEFINED 0 0 1650
VODAFONE GROUP PLC SPONSORED A OTHER 92857T107 2752 55600 SH
DEFINED 54320 0 1280
VODAFONE GROUP PLC SPONSORED A OTHER 92857T107 171 3445 SH
OTHER 3445 0 0
VOLVO AKTIEBOLAGET OTHER 928856400 58 2285 SH
DEFINED 0 0 2285
WMC LTD ADR OTHER 928947100 61 2790 SH
DEFINED 0 0 2790
XL CAPITAL LTD CLASS A OTHER G98255105 73 1410 SH
DEFINED 0 130 1280
</TABLE>
