UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D. C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: March 31, 2000
Check here if Amendment [ ]; Amendment Number:
This Amendment (Check only one.) [ ] is a restamement.
[ ] adds new holdings entries.
Institutional Investment Manager Filing this Report:
Name: NBT Bank, N.A.
Address: 52 South Broad Street
Norwich, New York 13815
13F File Number: 28-3594
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: David J. Hildebrandt
Title: Trust Tax and Compliance Officer
Phone: (607) 337-6497
Signature, Place, and Date of Signing:
/s/ David J. Hildebrandt Norwich, New York May 5, 2000
Report Type (Check only one):
[ X ] 13F Holdings Report
[ ] 13F Notice
[ ] 13F Combination Report
List of Other Managers Reporting for this Manager: N/A
I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE COMMISSION ACT
OF 1934.
<PAGE>
Form 13F Summary Page
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 633
Form 13F Information Table Value Total: $302,322 (in thousands)
List of Other Included Managers: NONE
<PAGE>
<TABLE>
<CAPTION>
FORM 13F INFORMATION TABLE
TITLE VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
ABBOTT LABS COM 2824100 2193 62330 SH SOLE 60130 2200
ABBOTT LABS COM 2824100 589 16750 SH DEFINED 8300 4950 3500
ADOBE SYS INC COM 00724F101 22 200 SH DEFINED 0 0 200
AFFILIATED COMPUTER SVCS CL A 8190100 190 5000 SH DEFINED 5000 0 0
AFFYMETRIX INC COM 00826T108 7 50 SH SOLE 0 0 50
AIR PRODS & CHEMS INC COM 9158106 11 400 SH SOLE 400 0 0
AIR PRODS & CHEMS INC COM 9158106 11 400 SH DEFINED 400 0 0
ALBERTSONS INC COM 13104104 3 100 SH SOLE 100 0 0
ALLEGHENY ENERGY INC COM 17361106 27 1000 SH SOLE 1000 0 0
ALLEGHENY ENERGY INC COM 17361106 13 500 SH DEFINED 100 0 400
ALLEGHENY TECHNOLOGIES INC COM 01741R102 0 4 SH DEFINED 4 0 0
ALLIANCE FINANCIAL CORP NY COM 19205103 17 900 SH SOLE 900 0 0
ALLIANCE FINANCIAL CORP NY COM 19205103 90 4536 SH DEFINED 4094 0 442
ALLIANCE PHARMACEUTICAL COM 18773101 29 2000 SH SOLE 2000 0 0
ALLIANT CORP COM 18802108 16 542 SH SOLE 542 0 0
ALLIED CAP CORP NEW COM 01903Q108 17 1000 SH DEFINED 0 1000 0
ALLSTATE CORP COM 20002101 39 1666 SH SOLE 1666 0 0
ALLSTATE CORP COM 20002101 13 556 SH DEFINED 556 0 0
ALLTEL CORP COM 20039103 237 3749 SH SOLE 3649 0 100
ALLTEL CORP COM 20039103 50 796 SH DEFINED 196 600 0
ALZA CORP DEL COM 22615108 45 1200 SH SOLE 1200 0 0
ALZA CORP DEL COM 22615108 8 218 SH DEFINED 0 218 0
AMERADA HESS CORP COM 23551104 6 100 SH SOLE 100 0 0
AMERADA HESS CORP COM 23551104 10 168 SH DEFINED 168 0 0
AMEREN CORP COM 23608102 7 257 SH SOLE 257 0 0
AMERICA ONLINE INC DEL COM 02364J104 551 8180 SH SOLE 7480 200 500
AMERICA ONLINE INC DEL COM 02364J104 229 3400 SH DEFINED 2800 0 600
AMERICAN CLASSIC VOYAGES CO COM 24928103 15 600 SH DEFINED 0 600 0
AMERICAN ELEC PWR INC COM 25537101 3 123 SH SOLE 123 0 0
AMERICAN EXPRESS CO COM 25816109 138 930 SH SOLE 930 0 0
AMERICAN EXPRESS CO COM 25816109 181 1220 SH DEFINED 670 50 500
AMERICAN HOME PRODS CORP COM 26609107 860 16000 SH SOLE 14300 1700
AMERICAN HOME PRODS CORP COM 26609107 253 4720 SH DEFINED 4370 100 250
AMERICAN INTL GROUP INC COM 26874107 1818 16603 SH SOLE 15766 150 687
AMERICAN INTL GROUP INC COM 26874107 1099 10039 SH DEFINED 9121 756 162
AMERICAN POWER CONV CORP COM 29066107 17 400 SH DEFINED 400 0 0
AMGEN INC COM 31162100 1979 32248 SH DEFINED 0 0 32248
ANHEUSER BUSCH COS INC COM 35229103 212 3400 SH SOLE 3400 0 0
ANHEUSER BUSCH COS INC COM 35229103 152 2456 SH DEFINED 200 2256 0
APPLE COMPUTER INC COM 37833100 27 200 SH SOLE 200 0 0
APPLE COMPUTER INC COM 37833100 13 100 SH DEFINED 100 0 0
ARCHER DANIELS MIDLAND CO COM 39483102 2 254 SH DEFINED 0 0 254
ASSOCIATES FIRST CAP CORP CL A 46008108 162 7570 SH SOLE 7466 0 104
ASSOCIATES FIRST CAP CORP CL A 46008108 179 8380 SH DEFINED 5358 52 2970
AT&T CORP COM 1957109 3028 53775 SH SOLE 50385 750 2640
AT&T CORP COM 1957109 1939 34446 SH DEFINED 22666 4061 7719
ATLANTIC RICHFIELD CO COM 48825103 2088 24576 SH SOLE 24576 0 0
ATLANTIC RICHFIELD CO COM 48825103 728 8570 SH DEFINED 5060 700 2810
AUTOLIV INC COM 52800109 1096 36541 SH SOLE 33289 0 3252
AUTOLIV INC COM 52800109 851 28385 SH DEFINED 19896 3437 5052
AUTOMATIC DATA PROCESSING COM 53015103 1004 20800 SH SOLE 20800 0 0
AUTOMATIC DATA PROCESSING COM 53015103 885 18350 SH DEFINED 15200 1900 1250
AVENTIS SPONSORED ADR 53561106 27 500 SH DEFINED 0 500 0
AVERY DENNISON CORP COM 53611109 6 100 SH SOLE 100 0 0
BANCO SNTNDR CENT HISPANO ADR 05964H105 65 6120 SH DEFINED 0 6120 0
BANK NEW YORK INC COM 64057102 710 17100 SH SOLE 17100 0 0
BANK NEW YORK INC COM 64057102 426 10272 SH DEFINED 1600 400 8272
BANK OF AMERICA CORPORATION COM 60505104 993 18963 SH SOLE 18963 0 0
BANK OF AMERICA CORPORATION COM 60505104 59 1137 SH DEFINED 937 200 0
BANK ONE CORP COM 06423A103 95 2762 SH SOLE 2762 0 0
BANK ONE CORP COM 06423A103 13 401 SH DEFINED 401 0 0
BANKNORTH GROUP INC DEL COM 06646L100 11 440 SH DEFINED 440 0 0
BARCLAYS BK PLC AM DEP NT RCPT 06738C836 132 5800 SH SOLE 5800 0 0
BARR LABS INC COM 68306109 21 500 SH SOLE 500 0 0
BAUSCH & LOMB INC COM 71707103 156 3000 SH DEFINED 3000 0 0
BAXTER INTL INC COM 71813109 39 627 SH SOLE 627 0 0
BAXTER INTL INC COM 71813109 9 153 SH DEFINED 153 0 0
BELL ATLANTIC CORP COM 77853109 3010 49256 SH SOLE 47956 0 1300
BELL ATLANTIC CORP COM 77853109 1374 22494 SH DEFINED 16644 1370 4480
BELLSOUTH CORP COM 79860102 1959 41804 SH SOLE 38604 0 3200
BELLSOUTH CORP COM 79860102 802 17112 SH DEFINED 13488 2028 1596
BEN & JERRYS HOMEMADE INC CL A 81465106 1 30 SH DEFINED 0 0 30
BERKSHIRE HATHAWAY INC DEL CL B 84670207 112 62 SH SOLE 62 0 0
BERKSHIRE HATHAWAY INC DEL CL B 84670207 132 73 SH DEFINED 63 10 0
BESTFOODS COM 08658U101 1036 22150 SH SOLE 21750 400 0
BESTFOODS COM 08658U101 205 4400 SH DEFINED 2500 600 1300
BJ SERVICES CO WARRANTS EXPIRE 04-13-00 55482111 0 2 SH SOLE 2 0 0
BOEING CO COM 97023105 801 21210 SH SOLE 21010 0 200
BOEING CO COM 97023105 416 11026 SH DEFINED 9326 1500 200
BOISE CASCADE CORP COM 97383103 33 950 SH SOLE 950 0 0
BOWNE & CO INC COM 103043105 7 600 SH DEFINED 600 0 0
BP AMOCO P L C SPONSORED ADR 55622104 1393 26168 SH SOLE 26168 0 0
BP AMOCO P L C SPONSORED ADR 55622104 970 18226 SH DEFINED 16220 528 1478
BRISTOL MYERS SQUIBB CO COM 110122108 5634 97142 SH SOLE 91762 1000 4380
BRISTOL MYERS SQUIBB CO COM 110122108 4177 72025 SH DEFINED 53575 7100 11350
BROADWING INC COM 111620100 338 9106 SH SOLE 9106 0 0
BROADWING INC COM 111620100 487 13120 SH DEFINED 0 13120 0
BSB BANCORP COM 55652101 8 384 SH SOLE 384 0 0
BSB BANCORP COM 55652101 31 1507 SH DEFINED 1507 0 0
BURLINGTON NRTHN SANTA FE COM 12189T104 9 438 SH SOLE 438 0 0
CABLE & WIRELESS HKT SPONSORED ADR 126828102 4 159 SH DEFINED 0 159 0
CABLE & WIRELESS PUB LTD CO SPONSORED ADR 126830207 22 400 SH DEFINED 0 400 0
CAMDEN PPTY TR SH BEN INT 133131102 15 558 SH DEFINED 558 0 0
CAMPBELL SOUP CO COM 134429109 119 3900 SH SOLE 3900 0 0
CAMPBELL SOUP CO COM 134429109 41 1340 SH DEFINED 0 1340 0
CARDINAL HEALTH INC COM 14149Y108 7 155 SH SOLE 155 0 0
CARDINAL HEALTH INC COM 14149Y108 0 19 SH DEFINED 19 0 0
CARNIVAL CORP COM 143658102 37 1500 SH SOLE 1500 0 0
CARNIVAL CORP COM 143658102 24 1000 SH DEFINED 300 700 0
CAROLINA PWR & LT CO COM 144141108 9 285 SH SOLE 285 0 0
CAROLINA PWR & LT CO COM 144141108 12 400 SH DEFINED 400 0 0
CATERPILLAR INC DEL COM 149123101 593 15045 SH SOLE 14845 200 0
CATERPILLAR INC DEL COM 149123101 400 10150 SH DEFINED 9200 200 750
CBS CORP COM 12490K107 90 1600 SH SOLE 1600 0 0
CBS CORP COM 12490K107 161 2860 SH DEFINED 1860 1000 0
CENDANT CORP COM 151313103 18 1000 SH DEFINED 1000 0 0
CENTRAL & SOUTH WEST CORP COM 152357109 4 238 SH SOLE 238 0 0
CENTRAL & SOUTH WEST CORP COM 152357109 44 2600 SH DEFINED 2600 0 0
CENTURYTEL INC COM 156700106 15 426 SH SOLE 426 0 0
CH ENERGY GROUP INC COM 12541M102 16 553 SH SOLE 403 0 150
CHASE MANHATTAN CORP NEW COM 16161A108 540 6199 SH SOLE 6199 0 0
CHASE MANHATTAN CORP NEW COM 16161A108 412 4736 SH DEFINED 3236 600 900
CHEVRON CORPORATION COM 166751107 1447 15670 SH SOLE 15570 100
CHEVRON CORPORATION COM 166751107 620 6713 SH DEFINED 3601 1340 1772
CHIRON CORP COM 170040109 24 500 SH DEFINED 0 500 0
CHITTENDEN CORP COM 170228100 4 162 SH SOLE 162 0 0
CIGNA CORP COM 125509109 249 3300 SH SOLE 3300 0 0
CIGNA CORP COM 125509109 68 900 SH DEFINED 900 0 0
CINERGY CORP COM 172474108 6 315 SH SOLE 315 0 0
CIRCUIT CITY STORE INC CARMAX GROUP 172737306 3 1000 SH SOLE 1000 0 0
CISCO SYS INC COM 17275R102 1959 25338 SH SOLE 23138 200 2000
CISCO SYS INC COM 17275R102 2103 27210 SH DEFINED 15130 2330 9750
CITIGROUP INC COM 172967101 1363 22763 SH SOLE 21863 0 900
CITIGROUP INC COM 172967101 515 8618 SH DEFINED 4875 1443 2300
CITIZENS UTILS CO DEL CL B 177342201 21 1311 SH DEFINED 1311 0 0
CNB FINL CORP COM 125921106 12 1000 SH DEFINED 1000 0 0
COASTAL CORP COM 190441105 27 600 SH SOLE 600 0 0
COCA COLA CO COM 191216100 2815 60006 SH SOLE 56388 550 3068
COCA COLA CO COM 191216100 1378 29372 SH DEFINED 20764 3100 5508
COHOES BANCORP INC COM 192513109 14 1500 SH DEFINED 1500 0 0
COLGATE PALMOLIVE CO COM 194162103 1452 25766 SH SOLE 25166 600 0
COLGATE PALMOLIVE CO COM 194162103 597 10600 SH DEFINED 7000 0 3600
COLONIAL PPTYS TR COM SH BEN INT 195872106 20 850 SH DEFINED 850 0 0
COMMERCIAL NET LEASE RLTY COM 202218103 8 800 SH SOLE 800 0 0
COMPAQ COMPUTER CORP COM 204493100 918 34000 SH SOLE 32000 0 2000
COMPAQ COMPUTER CORP COM 204493100 144 5350 SH DEFINED 3550 0 1800
COMPUTER ASSOC INTL INC COM 204912109 48 825 SH SOLE 825 0 0
CONAGRA INC COM 205887102 108 6000 SH SOLE 6000 0 0
CONECTIV INC COM 206829103 15 900 SH SOLE 900 0 0
CONSECO INC COM 208464107 22 2000 SH SOLE 2000 0 0
CONSECO INC COM 208464107 0 2 SH DEFINED 0 2 0
CONSOLIDATED EDISON INC COM 209115104 149 5142 SH SOLE 4292 0 850
CONSOLIDATED EDISON INC COM 209115104 45 1560 SH DEFINED 806 0 754
CONSTELLATION ENERGY CORP COM 210371100 139 4377 SH SOLE 4377 0 0
CONVERGYS CORP COM 212485106 224 5806 SH SOLE 5806 0 0
COOPER INDS INC COM 216669101 70 2016 SH DEFINED 2016 0 0
CORDANT TECHNOLOGIES INC COM 218412104 2546 45020 SH SOLE 44990 0 30
CORDANT TECHNOLOGIES INC COM 218412104 1267 22416 SH DEFINED 15348 2490 4578
CORN PRODS INTL INC COM 219023108 5 225 SH SOLE 225 0 0
CORN PRODS INTL INC COM 219023108 10 425 SH DEFINED 225 50 150
CORNING INC COM 219350105 630 3250 SH SOLE 3250 0 0
CORNING INC COM 219350105 291 1500 SH DEFINED 600 500 400
CORPORATE OFFICE PPTYS TR SH BEN INT 22002T108 24 3000 SH DEFINED 0 0 3000
COUNTRYWIDE CR INDS INC DEL COM 222372104 27 1000 SH SOLE 1000 0 0
COVANCE INC COM 222816100 0 50 SH SOLE 50 0 0
COVANCE INC COM 222816100 0 75 SH DEFINED 75 0 0
CRESCENDO PHARMACEUTICALS CL A 225637107 2 113 SH DEFINED 113 0 0
CROWN CORK & SEAL INC COM 228255105 46 2900 SH DEFINED 2900 0 0
CSX CORP COM 126408103 21 900 SH SOLE 900 0 0
CTG RES INC COM 125957100 11 300 SH SOLE 300 0 0
DAIMLERCHRYSLER AG ORD D1668R123 72 1102 SH SOLE 1102 0 0
DAIMLERCHRYSLER AG ORD D1668R123 8 125 SH DEFINED 125 0 0
DANA CORP COM 235811106 26 932 SH SOLE 932 0 0
DEERE & CO COM 244199105 202 5300 SH SOLE 5300 0 0
DEERE & CO COM 244199105 57 1500 SH DEFINED 1500 0 0
DELL COMPUTER CORP COM 247025109 1629 30216 SH SOLE 29216 1000
DELL COMPUTER CORP COM 247025109 868 16100 SH DEFINED 10750 0 5350
DELPHI AUTOMOTIVE SYS CORP COM 247126105 38 2425 SH SOLE 2289 0 136
DELPHI AUTOMOTIVE SYS CORP COM 247126105 73 4576 SH DEFINED 1772 138 2666
DELTA AIR LINES INC DEL COM 247361108 29 550 SH SOLE 550 0 0
DELUXE CORP COM 248019101 2 109 SH SOLE 109 0 0
DISNEY WALT CO COM 254687106 1406 34100 SH SOLE 34100 0 0
DISNEY WALT CO COM 254687106 965 23400 SH DEFINED 11150 0 12250
DOMINION RES INC VA NEW COM 25746U109 563 14661 SH SOLE 14661 0 0
DOMINION RES INC VA NEW COM 25746U109 291 7575 SH DEFINED 4880 2245 450
DONNA KARAN INTL INC COM 257826107 0 10 SH DEFINED 10 0 0
DOVER CORP COM 260003108 1306 27284 SH SOLE 25984 0 1300
DOVER CORP COM 260003108 292 6100 SH DEFINED 3600 400 2100
DOW CHEM CO COM 260543103 842 7392 SH SOLE 7047 100 245
DOW CHEM CO COM 260543103 638 5600 SH DEFINED 4100 100 1400
DPL INC COM 233293109 20 930 SH DEFINED 930 0 0
DQE INC COM 23329J104 13 300 SH DEFINED 300 0 0
DST SYS INC DEL COM 233326107 194 3000 SH DEFINED 3000 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 1965 37132 SH SOLE 36032 100 1000
DU PONT E I DE NEMOURS & CO COM 263534109 1732 32730 SH DEFINED 23553 3877 5300
DUKE ENERGY CORP COM 264399106 252 4800 SH SOLE 4300 500 0
DUKE ENERGY CORP COM 264399106 151 2878 SH DEFINED 2778 100 0
DUKE WEEKS REALTY CORP COM NEW 264411505 3 200 SH DEFINED 0 0 200
DUN & BRADSTREET CORP DEL COM 26483B106 114 4000 SH SOLE 4000 0 0
DUN & BRADSTREET CORP DEL COM 26483B106 14 500 SH DEFINED 0 0 500
E M C CORP MASS COM 268648102 321 2550 SH SOLE 2550 0 0
E M C CORP MASS COM 268648102 126 1000 SH DEFINED 1000 0 0
EARTHGRAINS CO COM 270319106 0 42 SH DEFINED 0 42 0
EASTMAN CHEM CO COM 277432100 52 1162 SH SOLE 1162 0 0
EASTMAN CHEM CO COM 277432100 19 427 SH DEFINED 0 225 202
EASTMAN KODAK CO COM 277461109 827 15243 SH SOLE 15243 0 0
EASTMAN KODAK CO COM 277461109 153 2822 SH DEFINED 1400 800 622
EDISON INTL COM 281020107 73 4432 SH SOLE 4432 0 0
EDISON INTL COM 281020107 18 1100 SH DEFINED 600 0 500
EDWARDS AG INC COM 281760108 12 303 SH DEFINED 303 0 0
EL PASO ENERGY CORP DEL COM 283905107 1 26 SH SOLE 26 0 0
ELAN PLC ADR 284131208 64 1350 SH SOLE 1350 0 0
ELECTRONIC DATA SYS NEW COM 285661104 101 1588 SH SOLE 988 0 600
ELECTRONIC DATA SYS NEW COM 285661104 125 1952 SH DEFINED 1200 0 752
EMBRATEL PARTICIPACOES S A SPON ADR PFD 29081N100 38 1500 SH DEFINED 0 1500 0
EMERGE INTERACTIVE INC CL A 29088W103 3 100 SH DEFINED 0 100 0
EMERGING MARKETS TELECOM FUND 290887108 25 1400 SH DEFINED 0 1400 0
EMERSON ELEC CO COM 291011104 79 1500 SH SOLE 1500 0 0
EMERSON ELEC CO COM 291011104 440 8300 SH DEFINED 7300 1000 0
ENERGEN CORP COM 29265N108 4 300 SH SOLE 300 0 0
ENERGY EAST CORP COM 29266M109 351 17730 SH SOLE 15730 0 2000
ENERGY EAST CORP COM 29266M109 397 20054 SH DEFINED 13744 2710 3600
ENRON CORP COM 293561106 29 400 SH SOLE 400 0 0
ENRON CORP COM 293561106 153 2050 SH DEFINED 0 2050 0
ENSCO INTL INC COM 26874Q100 37 1052 SH SOLE 1052 0 0
ENTERGY CORP NEW COM 29364G103 99 4950 SH SOLE 4800 0 150
ENTERGY CORP NEW COM 29364G103 68 3400 SH DEFINED 2400 1000 0
ERICSSON L M TEL CO ADR CL B SEK10 294821400 484 5160 SH SOLE 5160 0 0
ERICSSON L M TEL CO ADR CL B SEK10 294821400 555 5920 SH DEFINED 0 5920 0
ESPIRITO SANTO FINL GROUP SPONSORED ADR 29665F200 18 1000 SH DEFINED 0 1000 0
EXODUS COMMUNICATIONS INC COM 302088109 14 100 SH SOLE 100 0 0
EXXON MOBIL CORP COM 30231G102 8463 108605 SH SOLE 104593 500 3512
EXXON MOBIL CORP COM 30231G102 7317 93898 SH DEFINED 70844 8620 14434
FAMILY DLR STORES INC COM 307000109 31 1500 SH SOLE 1500 0 0
FEDERAL NATL MTG ASSN COM 313586109 2202 38935 SH SOLE 36905 650 1380
FEDERAL NATL MTG ASSN COM 313586109 1428 25250 SH DEFINED 19300 1350 4600
FEDEX CORP COM 31428X106 155 4000 SH DEFINED 4000 0 0
FIRST DATA CORP COM 319963104 133 3000 SH SOLE 3000 0 0
FIRST DATA CORP COM 319963104 177 4000 SH DEFINED 4000 0 0
FIRST TENN NATL CORP COM 337162101 8 400 SH DEFINED 400 0 0
FIRST UN CORP COM 337358105 124 3350 SH SOLE 3350 0 0
FIRST UN CORP COM 337358105 6 162 SH DEFINED 0 162 0
FIRSTENERGY CORP COM 337932107 18 904 SH SOLE 904 0 0
FISERV INC COM 337738108 14 400 SH SOLE 400 0 0
FLEETBOSTON FINL CORP COM 339030108 246 6743 SH SOLE 6663 0 80
FLEETBOSTON FINL CORP COM 339030108 65 1782 SH DEFINED 1436 346 0
FLORIDA PROGRESS CORP COM 341109106 2 46 SH SOLE 46 0 0
FLOWERS INDS INC COM 343496105 24 1600 SH SOLE 1600 0 0
FLUOR CORP COM 343861100 18 600 SH DEFINED 0 0 600
FONAR CORP COM 344437108 0 262 SH SOLE 262 0 0
FORD MTR CO DEL COM 345370100 1640 35725 SH SOLE 34925 0 800
FORD MTR CO DEL COM 345370100 981 21362 SH DEFINED 13872 1400 6090
FORTUNE BRANDS INC COM 349631101 157 6301 SH SOLE 6301 0 0
FORTUNE BRANDS INC COM 349631101 27 1100 SH DEFINED 1100 0 0
FPL GROUP INC COM 302571104 754 16375 SH SOLE 15975 0 400
FPL GROUP INC COM 302571104 330 7184 SH DEFINED 5934 0 1250
FRANKLIN RES INC COM 354613101 10 300 SH DEFINED 300 0 0
FST AUSTRALIA PRIME INCOME COM 318653102 5 1200 SH DEFINED 1200 0 0
GALLAHER GROUP PLC SPONSORED ADR 363595109 61 3101 SH SOLE 3101 0 0
GALLAHER GROUP PLC SPONSORED ADR 363595109 5 300 SH DEFINED 300 0 0
GANNETT INC COM 364730101 14 200 SH SOLE 200 0 0
GAP INC DEL COM 364760108 56 1125 SH SOLE 1125 0 0
GARTNER GROUP INC NEW CL B 366651206 5 390 SH SOLE 390 0 0
GENERAL DYNAMICS CORP COM 369550108 39 800 SH DEFINED 0 0 800
GENERAL ELEC CO COM 369604103 15146 97333 SH SOLE 93238 500 3595
GENERAL ELEC CO COM 369604103 11647 74844 SH DEFINED 46424 11970 16450
GENERAL MILLS INC COM 370334104 79 2200 SH SOLE 2200 0 0
GENERAL MILLS INC COM 370334104 72 2000 SH DEFINED 2000 0 0
GENERAL MTRS CORP COM 370442105 746 9020 SH SOLE 8820 0 200
GENERAL MTRS CORP COM 370442105 741 8950 SH DEFINED 4864 200 3886
GENERAL MTRS CORP CL H NEW 370442832 0 6 SH DEFINED 2 0 4
GENUINE PARTS CO COM 372460105 84 3545 SH SOLE 3545 0 0
GENUINE PARTS CO COM 372460105 9 400 SH DEFINED 175 0 225
GILLETTE CO COM 375766102 1151 30550 SH SOLE 28450 200 1900
GILLETTE CO COM 375766102 787 20900 SH DEFINED 14850 2650 3400
GLAXO WELLCOME PLC SPONSORED ADR 37733W105 28 498 SH SOLE 498 0 0
GLAXO WELLCOME PLC SPONSORED ADR 37733W105 103 1805 SH DEFINED 805 1000 0
GLOBAL CROSSING LTD COM G3921A100 12 301 SH DEFINED 301 0 0
GLOBAL MARINE INC COM 379352404 12 500 SH DEFINED 0 500 0
GLOBALSTAR TELECOMMS LTD COM G3930H104 13 1000 SH DEFINED 0 1000 0
GOODRICH B F CO COM 382388106 11 418 SH SOLE 418 0 0
GOODRICH B F CO COM 382388106 14 500 SH DEFINED 0 0 500
GOODYEAR TIRE & RUBR CO COM 382550101 54 2348 SH SOLE 2348 0 0
GPU INC COM 36225X100 0 22 SH DEFINED 0 22 0
GTE CORP COM 362320103 4250 59869 SH SOLE 58969 500 400
GTE CORP COM 362320103 2825 39794 SH DEFINED 28378 9490 1926
GUIDANT CORP COM 401698105 992 16856 SH SOLE 14252 0 2604
GUIDANT CORP COM 401698105 548 9312 SH DEFINED 7320 0 1992
HALLIBURTON CO COM 406216101 82 2000 SH SOLE 2000 0 0
HALLIBURTON CO COM 406216101 20 500 SH DEFINED 0 500 0
HANCOCK JOHN FINL SVCS INC COM 41014S106 0 20 SH DEFINED 20 0 0
HARDINGE INC COM 412324303 9 900 SH DEFINED 0 0 900
HARTFORD FINL SVCS GROUP COM 416515104 1 28 SH SOLE 28 0 0
HAWAIIAN ELEC INDUSTRIES COM 419870100 11 350 SH SOLE 350 0 0
HEALTHSOUTH CORP COM 421924101 1 300 SH SOLE 300 0 0
HEINZ H J CO COM 423074103 1330 38170 SH SOLE 36270 0 1900
HEINZ H J CO COM 423074103 584 16775 SH DEFINED 7550 4150 5075
HERCULES INC COM 427056106 24 1500 SH SOLE 1500 0 0
HERCULES INC COM 427056106 7 450 SH DEFINED 0 0 450
HERSHEY FOODS CORP COM 427866108 352 7232 SH DEFINED 2000 0 5232
HEWLETT PACKARD CO COM 428236103 2613 19665 SH SOLE 19065 0 600
HEWLETT PACKARD CO COM 428236103 1563 11770 SH DEFINED 9320 1200 1250
HILFIGER TOMMY CORP ORD G8915Z102 5 400 SH DEFINED 400 0 0
HILTON HOTELS CORP COM 432848109 2 325 SH SOLE 325 0 0
HOME DEPOT INC COM 437076102 1478 22924 SH SOLE 21224 350 1350
HOME DEPOT INC COM 437076102 895 13876 SH DEFINED 8430 4600 846
HON INDS INC COM 438092108 5 200 SH SOLE 200 0 0
HONEYWELL INTL INC COM 438516106 288 5469 SH SOLE 5469 0 0
HONEYWELL INTL INC COM 438516106 200 3800 SH DEFINED 800 200 2800
HOUSEHOLD INTL INC COM 441815107 103 2779 SH SOLE 2779 0 0
HSBC HLDGS PLC SPON ADR NEW 404280406 36 600 SH DEFINED 0 600 0
ICOS CORP COM 449295104 18 500 SH DEFINED 0 500 0
IDACORP INC COM 451107106 93 2700 SH SOLE 2700 0 0
IDACORP INC COM 451107106 17 500 SH DEFINED 0 500 0
ILLINOIS TOOL WKS INC COM 452308109 116 2121 SH SOLE 2121 0
IMATION CORP COM 45245A107 2 110 SH DEFINED 110 0 0
IMC GLOBAL INC WARRANTS EXPIRE 12-22-00 449669118 0 27 SH DEFINED 0 27 0
IMS HEALTH INC COM 449934108 50 3000 SH SOLE 3000 0 0
IMS HEALTH INC COM 449934108 3 200 SH DEFINED 0 0 200
INTEL CORP COM 458140100 9189 69656 SH SOLE 64950 1300 3406
INTEL CORP COM 458140100 6256 47424 SH DEFINED 30425 7950 9049
INTELLICORP INC COM 458153103 38 9500 SH DEFINED 9500 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 77 2200 SH SOLE 2200 0 0
INTERNET CAP GROUP INC COM 46059C106 18 200 SH DEFINED 0 200 0
INTL BUSINESS MACHINES CORP COM 459200101 4971 42134 SH SOLE 38670 1080 2384
INTL BUSINESS MACHINES CORP COM 459200101 2895 24541 SH DEFINED 14417 3468 6656
INTL PAPER CO COM 460146103 17 400 SH DEFINED 400 0 0
IOMEGA CORP COM 462030107 9 2400 SH SOLE 2400 0 0
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</TABLE>
NOTE: ALL HOLDINGS REPORTED