UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 3/31/00
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 Officer
PHONE: (304)348-7211
SIGNATURE,PLACE,AND DATE OF SIGNING:
Teresa Lightner Charleston, WV 4/6/00
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: 1040
FORM 13F INFORMATION TABLE VALUE TOTAL: $679,979
<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 6794 120653 SH DEFINED 105987 59 14607
A T&T COMMON STOCK 001957109 336 5975 SH OTHER 5225 0 750
ABBOTT LABORATORIES COMMON STOCK 002824100 1515 43048 SH DEFINED 35703 0 7345
ABERCROMBIE & FITCH CO COMMON STOCK 002896207 3 190 SH DEFINED 190 0 0
ABM INDS INC COMMON STOCK 000957100 19 800 SH DEFINED 800 0 0
ACE LTD COMMON STOCK G0070K103 51 2250 SH DEFINED 0 0 2250
ACNIELSEN CORP COMMON STOCK 004833109 41 1800 SH DEFINED 1800 0 0
ACT MFG INC COMMON STOCK 000973107 249 4450 SH DEFINED 4450 0 0
ADAMS EXPRESS CO COMMON STOCK 006212104 75 2000 SH DEFINED 2000 0 0
ADC TELECOMMUNICATIONS INC COMMON STOCK 000886101 22 400 SH DEFINED 0 0 400
ADOBE SYS INC COMMON STOCK 00724F101 11 100 SH DEFINED 0 0 100
ADVANCED MARKETING SVCS INC COMMON STOCK 00753T105 33 1600 SH DEFINED 1600 0 0
ADVANCED MICRO DEVICES COMMON STOCK 007903107 57 1000 SH DEFINED 0 0 1000
AETNA INC COMMON STOCK 008117103 19 350 SH DEFINED 350 0 0
AFFYMETRIX INC COMMON STOCK 00826T108 327 2200 SH DEFINED 2200 0 0
AFLAC INC COMMON STOCK 001055102 185 4065 SH DEFINED 950 115 3000
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 52 500 SH DEFINED 0 0 500
AGL RES INC COMMON STOCK 001204106 65 3550 SH DEFINED 3550 0 0
AGRIUM INC COMMON STOCK 008916108 43 5355 SH DEFINED 0 0 5355
AIR PRODUCTS & CHEMICAL COMMON STOCK 009158106 108 3800 SH DEFINED 1200 0 2600
AK STL HLDG CORP COMMON STOCK 001547108 0 38 SH DEFINED 38 0 0
ALBANY INTL CORP NEW COMMON STOCK 012348108 39 2630 SH DEFINED 2630 0 0
ALBEMARLE CORP COMMON STOCK 012653101 2 100 SH DEFINED 100 0 0
ALBERTSONS COMMON STOCK 013104104 272 8801 SH DEFINED 8801 0 0
ALBERTSONS COMMON STOCK 013104104 93 3000 SH OTHER 3000 0 0
ALCOA, INC. COMMON STOCK 013817101 213 3035 SH DEFINED 0 135 2900
ALLEGHENY ENERGY COMMON STOCK 017361106 2503 90408 SH DEFINED 89808 0 600
ALLEGHENY ENERGY COMMON STOCK 017361106 53 1932 SH OTHER 1932 0 0
ALLIANCE CAP MGMT HLDG LP UNIT COMMON STOCK 01855A101 460 11100 SH DEFINED 11100 0 0
ALLSTATE CORP COMMON STOCK 020002101 334 14006 SH DEFINED 9206 0 4800
ALLTEL CORP COMMON STOCK 020039103 19 307 SH DEFINED 307 0 0
ALLTEL CORP COMMON STOCK 020039103 19 300 SH OTHER 300 0 0
ALTEON WEBSYSTEMS INC COMMON STOCK 02145A109 197 2400 SH DEFINED 2400 0 0
ALTERA CORP COMMON STOCK 021441100 116 1300 SH DEFINED 0 0 1300
ALZA CORP COMMON STOCK 022615108 26 700 SH DEFINED 0 0 700
AMAZON COM INC COMMON STOCK 023135106 40 600 SH DEFINED 300 0 300
AMB PPTY CORP COMMON STOCK 00163T109 22 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 576 18610 SH DEFINED 18510 0 100
AMEREN CORP COM COMMON STOCK 023608102 8 250 SH OTHER 250 0 0
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 3375 50044 SH DEFINED 36670 66 13308
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 7 100 SH OTHER 100 0 0
AMERICAN ELECTR PWR CO INC COM COMMON STOCK 025537101 1357 45504 SH DEFINED 45504 0 0
AMERICAN ELECTR PWR CO INC COM COMMON STOCK 025537101 23 773 SH OTHER 773 0 0
AMERICAN EXPRESS CO COM STK* COMMON STOCK 025816109 1647 11059 SH DEFINED 10309 0 750
AMERICAN GENERAL CORPORATION COMMON STOCK 026351106 338 6023 SH DEFINED 967 131 4925
AMERICAN HOME PRODUCTS CORP CA COMMON STOCK 026609107 4779 88919 SH DEFINED 83300 289 5330
AMERICAN HOME PRODUCTS CORP CA COMMON STOCK 026609107 52 960 SH OTHER 0 0 960
AMERICAN INTERNATIONAL GROUP* COMMON STOCK 026874107 2195 20044 SH DEFINED 9881 195 9968
AMERICAN INTERNATIONAL GROUP* COMMON STOCK 026874107 8 70 SH OTHER 70 0 0
AMERICAN MGMT SYS INC COMMON STOCK 027352103 57 1300 SH DEFINED 1300 0 0
AMERICAN MORTGAGE ACCEPTANCE C COMMON STOCK 027568104 15 1740 SH DEFINED 1740 0 0
AMERICAN PAC CORP COMMON STOCK 028740108 35 5001 SH DEFINED 0 0 5001
AMERICAN STD COS INC DEL COMMON STOCK 029712106 185 5000 SH DEFINED 1000 0 4000
AMERICAN SYS WTR CO COM COMMON STOCK 029899101 86 2900 SH DEFINED 2900 0 0
AMERICAN WATER WORKS CO INC* COMMON STOCK 030411102 709 29860 SH DEFINED 29860 0 0
AMERICAN WOODMARK CORP COMMON STOCK 030506109 62 3000 SH DEFINED 3000 0 0
AMERUS LIFE HLDGS INC COMMON STOCK 030732101 18 1000 SH DEFINED 1000 0 0
AMFM INC. COMMON STOCK 001693100 2 30 SH DEFINED 0 30 0
AMGEN INC COMMON STOCK 031162100 1119 18240 SH DEFINED 17695 120 425
AMGEN INC COMMON STOCK 031162100 6 100 SH OTHER 100 0 0
AMR CORP DEL COMMON STOCK 001765106 91 2870 SH DEFINED 0 70 2800
ANADARKO PETE CORP COMMON STOCK 032511107 35 910 SH DEFINED 0 110 800
ANALOG DEVICES INC COMMON STOCK 032654105 926 11500 SH DEFINED 11500 0 0
ANGELICA CORP COMMON STOCK 034663104 27 2700 SH DEFINED 2700 0 0
ANHEUSER-BUSCH INC COM STK* COMMON STOCK 035229103 19 304 SH DEFINED 304 0 0
ANHEUSER-BUSCH INC COM STK* COMMON STOCK 035229103 12 200 SH OTHER 200 0 0
ANTEC CORP COMMON STOCK 03664P105 22 500 SH DEFINED 500 0 0
AON CORP COMMON STOCK 037389103 1350 41845 SH DEFINED 41845 0 0
APOGEE ENTERPRISES INC COMMON STOCK 037598109 20 5100 SH DEFINED 5100 0 0
APPLE COMPUTER INC* COMMON STOCK 037833100 136 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 1539 16332 SH DEFINED 13132 0 3200
APPLIED MICRO CIRCUITS CORP COMMON STOCK 03822W109 510 3400 SH DEFINED 2800 0 600
ARCHER DANIEL MIDLAND COMMON STOCK 039483102 52 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 587 2800 SH DEFINED 2800 0 0
ARMSTRONG WORLD IND INC. COMMON STOCK 042476101 7 400 SH DEFINED 400 0 0
ARTESYN TECHNOLOGIES INC COMMON STOCK 043127109 49 2600 SH DEFINED 2600 0 0
ASCENT ENTMT GROUP INC COMMON STOCK 043628106 6 391 SH DEFINED 391 0 0
ASHLAND INC COMMON STOCK 044204105 158 4742 SH DEFINED 4742 0 0
ASIA TIGERS FD INC COMMON STOCK 04516T105 10 1000 SH DEFINED 0 0 1000
ASSOCIATES FIRST CAP CORP COMMON STOCK 046008108 105 4931 SH DEFINED 3396 135 1400
AT & T CORP LIBERTY MEDIA COMMON STOCK 001957208 14 230 SH DEFINED 0 230 0
AT HOME CORP COMMON STOCK 045919107 17 512 SH DEFINED 312 0 200
ATCHISON CASTING CORP COMMON STOCK 046613105 10 1400 SH DEFINED 1400 0 0
ATLANTIC RICHFIELD CO COM STK COMMON STOCK 048825103 673 7917 SH DEFINED 7917 0 0
ATRION CORP COMMON STOCK 049904105 45 4044 SH DEFINED 4044 0 0
AUTOLIV INC COMMON STOCK 052800109 75 2506 SH DEFINED 136 0 2370
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 1079 22365 SH DEFINED 19865 0 2500
AUTOZONE INC COMMON STOCK 053332102 150 5400 SH DEFINED 0 0 5400
AVALONBAY CMNTYS INC COMMON STOCK 053484101 5 150 SH DEFINED 0 0 150
AVERY DENNISON CORP COMMON STOCK 053611109 79 1300 SH DEFINED 0 0 1300
AVIALL INC NEW COMMON STOCK 05366B102 4 511 SH DEFINED 511 0 0
AVID TECHNOLOGY INC COMMON STOCK 05367P100 50 2800 SH DEFINED 2800 0 0
AVISTA CORP COMMON STOCK 05379B107 82 2011 SH DEFINED 1511 0 500
AVISTA CORP COMMON STOCK 05379B107 3 62 SH OTHER 62 0 0
AVON PRODS INC COMMON STOCK 054303102 316 10790 SH DEFINED 3390 100 7300
AXA FINL INC COM COMMON STOCK 002451102 214 5959 SH DEFINED 1359 0 4600
AXA FINL INC COM COMMON STOCK 002451102 2 54 SH OTHER 54 0 0
BACOU USA INC COMMON STOCK 056439102 55 3500 SH DEFINED 3500 0 0
BAKER FENTRESS & CO NEW COMMON STOCK 057213209 5 375 SH DEFINED 375 0 0
BALDWIN TECHNOLOGY INC COMMON STOCK 058264102 19 10000 SH DEFINED 10000 0 0
BALLANTYNE OMAHA INC COMMON STOCK 058516105 4 1000 SH DEFINED 1000 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 857 16337 SH DEFINED 8881 261 7195
BANK OF NEW YORK COMMON STOCK 064057102 747 17982 SH DEFINED 17982 0 0
BANK ONE CORP COM COMMON STOCK 06423A103 2743 79505 SH DEFINED 69902 0 9603
BANK ONE CORP COM COMMON STOCK 06423A103 435 12614 SH OTHER 0 12614 0
BANKNORTH GROUP INC DEL COMMON STOCK 06646L100 27 1000 SH DEFINED 1000 0 0
BARNETT INC COMMON STOCK 068062108 7 600 SH DEFINED 600 0 0
BARRICK GOLD CORP COMMON STOCK 067901108 34 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 716 11425 SH DEFINED 11276 149 0
BB & T CORP COMMON STOCK 054937107 51 1822 SH DEFINED 1822 0 0
BCE INC COMMON STOCK 05534B109 75 600 SH DEFINED 600 0 0
BEAR STEARNS COS INC COMMON STOCK 073902108 29 636 SH DEFINED 636 0 0
BECTON DICKINSON COMMON STOCK 075887109 140 5330 SH DEFINED 0 130 5200
BEDFORD PPTY INVS INC COMMON STOCK 076446301 96 6000 SH DEFINED 6000 0 0
BELL ATLANTIC COMMON STOCK 077853109 8585 140446 SH DEFINED 124957 280 15209
BELL ATLANTIC COMMON STOCK 077853109 217 3542 SH OTHER 3542 0 0
BELL MICROPRODUCTS INC COMMON STOCK 078137106 60 3500 SH DEFINED 3500 0 0
BELLSOUTH COMMON STOCK 079860102 7780 165973 SH DEFINED 158041 0 7932
BELLSOUTH COMMON STOCK 079860102 144 3064 SH OTHER 3064 0 0
BERGIN BRUNSWIG COMMON STOCK 083739102 14 2050 SH DEFINED 2050 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670108 57 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 85 1815 SH DEFINED 1700 115 0
BESTFOODS COM STK* COMMON STOCK 08658U101 37 800 SH OTHER 800 0 0
BETHLEHEM STL CORP COMMON STOCK 087509105 1 200 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 14 92 SH DEFINED 92 0 0
BINDVIEW DEV CORP COMMON STOCK 090327107 4 140 SH DEFINED 0 0 140
BIOGEN INC COMMON STOCK 090597105 38 550 SH DEFINED 0 0 550
BIOMATRIX INC COMMON STOCK 09060P102 29 1200 SH DEFINED 1200 0 0
BIOMET INC COMMON STOCK 090613100 18 500 SH DEFINED 0 0 500
BIOTECH HOLDERS TR COMMON STOCK 09067D201 835 4925 SH DEFINED 4725 0 200
BLACK HILLS CORP COMMON STOCK 092113109 42 1923 SH DEFINED 1923 0 0
BLAIR CORP COMMON STOCK 092828102 59 3700 SH DEFINED 3700 0 0
BOB EVANS FARMS COMMON STOCK 096761101 13 1000 SH DEFINED 1000 0 0
BODDIE-NOELL PPTYS INC COMMON STOCK 096903109 50 6500 SH DEFINED 6500 0 0
BOEING CO CAP STK* COMMON STOCK 097023105 363 9602 SH DEFINED 5448 129 4025
BOEING CO CAP STK* COMMON STOCK 097023105 15 400 SH OTHER 400 0 0
BOYKIN LODGING CO COMMON STOCK 103430104 41 3475 SH DEFINED 3475 0 0
BRE PPTYS INC COMMON STOCK 05564E106 104 4028 SH DEFINED 4028 0 0
BRIGGS & STRATTON CORP COMMON STOCK 109043109 33 800 SH DEFINED 800 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 11737 202365 SH DEFINED 192074 90 10201
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 249 4300 SH OTHER 4300 0 0
BROADCOM CORP COMMON STOCK 111320107 850 3500 SH DEFINED 3500 0 0
BROADVISION INC COMMON STOCK 111412102 292 6500 SH DEFINED 5000 0 1500
BROADWING INC. COMMON STOCK 111620100 247 6634 SH DEFINED 6634 0 0
BRUSH WELLMAN INC COMMON STOCK 117421107 162 9200 SH DEFINED 9200 0 0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK 12189T104 1048 46058 SH DEFINED 36958 0 9100
BURLINGTON RESOURCES COMMON STOCK 122014103 823 22230 SH DEFINED 17730 0 4500
BUSH INDS INC COMMON STOCK 123164105 39 2800 SH DEFINED 2800 0 0
C & D TECHNOLOGIES INC COMMON STOCK 124661109 183 3100 SH DEFINED 3100 0 0
C-CUBE MICROSYSTEMS INC COMMON STOCK 125015107 66 910 SH DEFINED 810 0 100
CABLEVISION SYS CORP COMMON STOCK 12686C109 340 5600 SH DEFINED 5600 0 0
CADMUS COMMUNICATIONS CORP COMMON STOCK 127587103 4 400 SH DEFINED 400 0 0
CALLAWAY GOLF CO COMMON STOCK 131193104 76 4900 SH DEFINED 400 0 4500
CAMDEN PPTY TR COMMON STOCK 133131102 81 3000 SH DEFINED 3000 0 0
CAPITAL ONE FINL CORP COMMON STOCK 14040H105 125 2600 SH DEFINED 0 0 2600
CARDINAL HEALTH INC COMMON STOCK 14149Y108 219 4769 SH DEFINED 2334 235 2200
CARLISLE COS INC COMMON STOCK 142339100 252 6300 SH DEFINED 6300 0 0
CARLISLE HOLDINGS LTD. COMMON STOCK P21277101 12 1500 SH DEFINED 1500 0 0
CARNIVAL CRUISE LINES INC COMMON STOCK 143658102 192 7740 SH DEFINED 4125 0 3615
CAROLINA POWER + LIGHT CO COM COMMON STOCK 144141108 188 5783 SH DEFINED 5698 85 0
CAROLINA POWER + LIGHT CO COM COMMON STOCK 144141108 32 1000 SH OTHER 0 0 1000
CARTER WALLACE INC COMMON STOCK 146285101 19 1000 SH DEFINED 0 0 1000
CATELLUS DEV CORP COMMON STOCK 149111106 1 36 SH DEFINED 36 0 0
CATERPILLAR INC. COMMON STOCK 149123101 271 6860 SH DEFINED 2630 125 4105
CATERPILLAR INC. COMMON STOCK 149123101 3 84 SH OTHER 84 0 0
CBRL GROUP, INC. COM COMMON STOCK 12489V106 17 1687 SH DEFINED 1687 0 0
CBS CORP COMMON STOCK 12490K107 19 340 SH DEFINED 340 0 0
CELANESE AG COMMON STOCK D1497A101 4 200 SH DEFINED 200 0 0
CENDANT CORP COMMON STOCK 151313103 2 100 SH DEFINED 0 0 100
CENTERPOINT PROPERTIES TRUST COMMON STOCK 151895109 146 4000 SH DEFINED 4000 0 0
CENTEX CORP COMMON STOCK 152312104 6 260 SH DEFINED 0 0 260
CENTRAL & SOUTHWEST CORP* COMMON STOCK 152357109 109 6380 SH DEFINED 6380 0 0
CENTRYTEL, INC. COMMON STOCK 156700106 89 2400 SH DEFINED 0 0 2400
CFW COMMUNICATIONS CO COMMON STOCK 124923103 118 3000 SH DEFINED 3000 0 0
CHAMPION INDS INC COMMON STOCK 158520106 8 2439 SH DEFINED 2439 0 0
CHAMPION INTL CORP COMMON STOCK 158525105 53 1000 SH DEFINED 0 0 1000
CHANNELL COML CORP COMMON STOCK 159186105 14 1000 SH DEFINED 1000 0 0
CHARTER MUN MTG ACCEP CO COMMON STOCK 160908109 13 1081 SH DEFINED 1081 0 0
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 1082 12410 SH DEFINED 5755 30 6625
CHECK POINT SOFTW TECH COMMON STOCK M22465104 308 1800 SH DEFINED 1800 0 0
CHEMFAB CORP COMMON STOCK 16361L102 60 4100 SH DEFINED 4100 0 0
CHEVRON COMMON STOCK 166751107 1419 15349 SH DEFINED 10934 0 4415
CHEVRON COMMON STOCK 166751107 179 1932 SH OTHER 1932 0 0
CHIRON CORP COMMON STOCK 170040109 40 800 SH DEFINED 800 0 0
CHOICEPOINT INC COMMON STOCK 170388102 4 120 SH DEFINED 120 0 0
CHUBB CORP COMMON STOCK 171232101 62 925 SH DEFINED 925 0 0
CIENA CORP COMMON STOCK 171779101 1391 11025 SH DEFINED 11025 0 0
CIGNA CORP COMMON STOCK 125509109 110 1450 SH DEFINED 1450 0 0
CINCINNATI FINANCIAL CORP COMMON STOCK 172062101 19 504 SH DEFINED 504 0 0
CINERGY CORP COMMON STOCK 172474108 77 3573 SH DEFINED 3573 0 0
CINTAS CORP COMMON STOCK 172908105 217 5550 SH DEFINED 0 0 5550
CIRCUIT CITY STORES COMMON STOCK 172737108 158 2600 SH DEFINED 400 0 2200
CISCO SYS INC COMMON STOCK 17275R102 14770 191044 SH DEFINED 143320 434 47290
CISCO SYS INC COMMON STOCK 17275R102 46 600 SH OTHER 200 0 400
CITIGROUP INC COMMON STOCK 172967101 4766 79600 SH DEFINED 61908 465 17227
CITRIX SYS INC COMMON STOCK 177376100 272 4100 SH DEFINED 4100 0 0
CITY HOLDING COMMON STOCK 177835105 2237 186432 SH DEFINED 161455 0 24977
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK 184502102 30 435 SH DEFINED 0 0 435
CLECO CORP NEW COM COMMON STOCK 12561W105 26 768 SH DEFINED 0 0 768
CLOROX CO COMMON STOCK 189054109 13 400 SH DEFINED 400 0 0
CMGI INC. COMMON STOCK 125750109 1830 16147 SH DEFINED 15842 0 305
CNET NETWORKS INC COM STK COMMON STOCK 12613R104 299 5900 SH DEFINED 4600 0 1300
COASTAL CORP COMMON STOCK 190441105 510 11084 SH DEFINED 1784 0 9300
COCA COLA BOTTLING CO CONS COMMON STOCK 191098102 21 400 SH DEFINED 400 0 0
COCA-COLA CO COM STK* COMMON STOCK 191216100 6243 133015 SH DEFINED 130140 0 2875
COLD METAL PRODS INC COMMON STOCK 192861102 15 4500 SH DEFINED 4500 0 0
COLGATE-PALMOLIVE CO COM STK COMMON STOCK 194162103 464 8237 SH DEFINED 7460 277 500
COLUMBIA / HCA HEALTHCARE CORP COMMON STOCK 197677107 151 5950 SH DEFINED 0 0 5950
COLUMBIA ENERGY GROUP COMMON STOCK 197648108 504 8498 SH DEFINED 8498 0 0
COLUMBUS MCKINNON CORP N Y COMMON STOCK 199333105 88 6700 SH DEFINED 6700 0 0
COMCAST CORP CL A COMMON STOCK 200300101 33 800 SH DEFINED 800 0 0
COMERICA INC COMMON STOCK 200340107 34 800 SH DEFINED 0 0 800
COMMERCE BANCSHARES INC COMMON STOCK 200525103 31 1006 SH DEFINED 0 0 1006
COMMUNITY TR BANCORP INC COMMON STOCK 204149108 54 2722 SH DEFINED 2722 0 0
COMPAQ COMPUTER COMMON STOCK 204493100 234 8650 SH DEFINED 5200 50 3400
COMPASS BANCSHARES INC COMMON STOCK 20449H109 322 16150 SH DEFINED 16150 0 0
COMPUTER ASSOCIATES COMMON STOCK 204912109 423 7155 SH DEFINED 1965 105 5085
COMPUTER SCIENCE COMMON STOCK 205363104 3683 46545 SH DEFINED 41815 330 4400
COMPUTER SCIENCE COMMON STOCK 205363104 8 100 SH OTHER 100 0 0
COMPUWARE CORP COMMON STOCK 205638109 191 9080 SH DEFINED 0 130 8950
COMSAT CORP COMMON STOCK 20564D107 17 800 SH DEFINED 800 0 0
CONAGRA, INC. COMMON STOCK 205887102 63 3500 SH DEFINED 400 0 3100
CONECTIV INC COMMON STOCK 206829103 51 2925 SH DEFINED 2925 0 0
CONECTIV INC COMMON STOCK 206829202 4 187 SH DEFINED 187 0 0
CONEXANT SYS INC COMMON STOCK 207142100 1086 15300 SH DEFINED 14800 0 500
CONEXANT SYS INC COMMON STOCK 207142100 213 3000 SH OTHER 3000 0 0
CONOCO INC COMMON STOCK 208251306 298 12100 SH DEFINED 12100 0 0
CONOCO INC COMMON STOCK 208251405 151 5908 SH DEFINED 728 0 5180
CONSECO INC COMMON STOCK 208464107 36 3160 SH DEFINED 0 160 3000
CONSOLIDATED EDISON INC. COM COMMON STOCK 209115104 137 4704 SH DEFINED 4704 0 0
CONSOLIDATED TOMOKA LD CO COMMON STOCK 210226106 3 289 SH DEFINED 289 0 0
CONSTELLATION ENERGY GROUP COMMON STOCK 210371100 83 2596 SH DEFINED 2596 0 0
CONSTELLATION ENERGY GROUP COMMON STOCK 210371100 12 373 SH OTHER 373 0 0
CONVERGYS CORP COMMON STOCK 212485106 110 2850 SH DEFINED 2850 0 0
COOPER INDUSTRIES* COMMON STOCK 216669101 20 560 SH DEFINED 560 0 0
COOPER TIRE & RUBR CO COMMON STOCK 216831107 25 2000 SH DEFINED 2000 0 0
CORN PRODS INTL INC COMMON STOCK 219023108 2 100 SH OTHER 100 0 0
CORNING INC COMMON STOCK 219350105 2476 12765 SH DEFINED 12465 0 300
CORNING INC COMMON STOCK 219350105 14 70 SH OTHER 70 0 0
COSTCO WHOLESALE CORPORATION COMMON STOCK 22160K105 64 1225 SH DEFINED 0 0 1225
COTTON STS LIFE & HEALTH INS C COMMON STOCK 221774102 26 3250 SH DEFINED 3250 0 0
COUNTRYWIDE CR INDS INC COMMON STOCK 222372104 70 2560 SH DEFINED 0 60 2500
COVAD COMMUNICATIONS GROUP INC COMMON STOCK 222814204 489 6750 SH DEFINED 6750 0 0
COX COMMUNICATIONS INC NEW COMMON STOCK 224044107 338 6976 SH DEFINED 6976 0 0
CRANE CO COMMON STOCK 224399105 80 3400 SH DEFINED 3400 0 0
CREDENCE SYS CORP DEL COMMON STOCK 225302108 100 800 SH DEFINED 800 0 0
CREE INC COMMON STOCK 225447101 7 65 SH DEFINED 0 0 65
CRESTLINE CAP CORP COMMON STOCK 226153104 12 700 SH DEFINED 700 0 0
CROWN ANDERSEN INC COMMON STOCK 228190104 7 1000 SH DEFINED 0 0 1000
CSS INDS INC COMMON STOCK 125906107 92 4800 SH DEFINED 4800 0 0
CSX CORPORATION* COMMON STOCK 126408103 583 24805 SH DEFINED 23445 0 1360
CSX CORPORATION* COMMON STOCK 126408103 59 2504 SH OTHER 2504 0 0
CVS CORP* COMMON STOCK 126650100 986 26250 SH DEFINED 18175 185 7890
CYBER-CARE INC. COMMON STOCK 23243T105 19 1000 SH DEFINED 0 0 1000
CYGNUS INC COMMON STOCK 232560102 29 2000 SH DEFINED 1000 0 1000
CYPRESS SEMICONDUCTOR CORP COMMON STOCK 232806109 5 100 SH DEFINED 0 0 100
CYTEC INDS INC COMMON STOCK 232820100 31 1026 SH DEFINED 1026 0 0
CYTOCLONAL PHARMACEUTICS INC COMMON STOCK 23282G105 8 740 SH DEFINED 740 0 0
DANA CORP COMMON STOCK 235811106 110 3901 SH DEFINED 700 0 3201
DARDEN RESTAURANTS INC COMMON STOCK 237194105 14 800 SH DEFINED 800 0 0
DATUM INC COMMON STOCK 238208102 14 600 SH DEFINED 600 0 0
DAYTON POWER/DPL COMMON STOCK 233293109 7 337 SH DEFINED 337 0 0
DEERE & CO COMMON STOCK 244199105 109 2865 SH DEFINED 0 0 2865
DEL GLOBAL TECHNOLOGIES CORP COMMON STOCK 245073101 7 800 SH DEFINED 800 0 0
DELL COMPUTER CORP COMMON STOCK 247025109 1160 21510 SH DEFINED 15610 130 5770
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 188 11761 SH DEFINED 7228 0 4533
DELTA AIR LINES INC DEL COMMON STOCK 247361108 64 1200 SH DEFINED 1200 0 0
DELTIC TIMBER CORP COMMON STOCK 247850100 87 3676 SH DEFINED 3676 0 0
DEVELOPERS DIVERSIFIED RLTY CO COMMON STOCK 251591103 4 260 SH DEFINED 0 0 260
DIAL CORP NEW COMMON STOCK 25247D101 33 2430 SH DEFINED 2430 0 0
DIAL CORP NEW COMMON STOCK 25247D101 1 50 SH OTHER 50 0 0
DOMINION HOMES INC COMMON STOCK 257386102 6 1000 SH DEFINED 1000 0 0
DOMINION RES INC VA NEW COMMON STOCK 25746U109 1356 35281 SH DEFINED 35156 0 125
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HANSON PLC OTHER 411352404 3 89 SH DEFINED 89 0 0
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IMPERIAL TOB GROUP PLC OTHER 453142101 2 105 SH DEFINED 105 0 0
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</TABLE>
