[DESCRIPTION] FORM 13F
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 06/30/1999
Check here if Amendment [ ] Amendment Number:
This Amendment [ ] is a restatement
[ ] adds new holding entries
Institutional Investment Manager Filing this Report:
Name: MANUFACTURERS & TRADERS TR CO
Address: ONE M & T PLAZA
BUFFALO, NY 14240
13F File Number: 28-39800
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 intergral parts of
this form.
Person Signing this Report on Behalf of Reporting Manager:
Name: MARK CZARNECKI
Title: EXECUTIVE VICE PRESIDENT
Phone: (716)842-5509
Signature, Place, and Date of Signing:
1 M&T BANK 08/09/1999
Report Type (Check only one)
[X] 13F HOLDINGS REPORT
[ ] 13F NOTICE
[ ] 13F COMBINATION REPORT
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: 1
Form 13F Information Table Entry Total: 544
Form 13F Information Table Value Total: $ 1,266,212
List of Other Included Managers:
No. 13F File Number Name
1 28-26700 M&T BANK CORPORATION
<PAGE>
<TABLE> <C> <C>
FORM 13F INFORMATION TABLE
TITLE VALUE SHARES/ SH/ PUT/
NAME OF ISSUER OF CLASS CUSIP (X $1000) PRN AMOUNT PRN CALL
SECURITY NAME SUBCLASS
ADC TELECOMMUNICATIONS INC COMMON STOCK 000886101 1427 31320 SH
ADC TELECOMMUNICATIONS INC COMMON STOCK 000886101 24 525 SH
AT&T CORP COMMON STOCK 001957109 14945 267778 SH
AT&T CORP COMMON STOCK 001957109 5221 93540 SH
ABBOTT LABORATORIES COMMON STOCK 002824100 1827 40256 SH
ABBOTT LABORATORIES COMMON STOCK 002824100 2275 50128 SH
ACTION PERFORMANCE COS COMMON STOCK 004933107 1476 44725 SH
ACTION PERFORMANCE COS COMMON STOCK 004933107 7 200 SH
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 5044 125329 SH
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 1154 28675 SH
ALLEGHENY ENERGY INC COMMON STOCK 017361106 452 14089 SH
ALLEGHENY ENERGY INC COMMON STOCK 017361106 926 28890 SH
ALLEGHENY TELEDYNE INC COMMON STOCK 017415100 436 19250 SH
ALLIED HEALTHCARE PRODS INC COMMON STOCK 019222108 642 370000 SH
ALLIED SIGNAL INC COMMON STOCK 019512102 9219 146339 SH
ALLIED SIGNAL INC COMMON STOCK 019512102 1935 30714 SH
ALLSTATE CORP COMMON STOCK 020002101 148 4122 SH
ALLSTATE CORP COMMON STOCK 020002101 153 4262 SH
ALZA CORP COMMON STOCK 022615108 1823 35840 SH
ALZA CORP COMMON STOCK 022615108 9 175 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 949 8630 SH
AMERICA ONLINE INC COMMON STOCK 02364J104 61 550 SH
AMERN EXPRESS CO COMMON STOCK 025816109 675 5185 SH
AMERN EXPRESS CO COMMON STOCK 025816109 208 1600 SH
AMERICAN GENERAL CORP COMMON STOCK 026351106 172 2288 SH
AMERICAN GENERAL CORP COMMON STOCK 026351106 76 1012 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 2927 51017 SH
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 14655 255430 SH
AMERICAN INTERNATIONAL GROUP INC COMMON STOCK 026874107 13874 118329 SH
AMERICAN INTERNATIONAL GROUP INC COMMON STOCK 026874107 5378 45869 SH
AMERITECH CORP NEW COMMON STOCK 030954101 2494 33935 SH
AMERITECH CORP NEW COMMON STOCK 030954101 1520 20675 SH
AMGEN INC COMMON STOCK 031162100 146 2400 SH
AMGEN INC COMMON STOCK 031162100 286 4700 SH
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 233 3290 SH
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 435 6130 SH
APEX PC SOLUTIONS INC COMMON STOCK 037945102 1817 88639 SH
APEX PC SOLUTIONS INC COMMON STOCK 037945102 27 1337 SH
APPLIED MATERIALS INC COMMON STOCK 038222105 827 11200 SH
APPLIED MATERIALS INC COMMON STOCK 038222105 102 1375 SH
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 16 1026 SH
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 311 20149 SH
ARGONAUT GROUP COMMON STOCK 040157109 288 12000 SH
ARROW ELECTRONICS INC COMMON STOCK 042735100 1421 74775 SH
ARROW ELECTRONICS INC COMMON STOCK 042735100 9 450 SH
ASHLAND INC COMMON STOCK 044204105 4340 108168 SH
ASHLAND INC COMMON STOCK 044204105 433 10792 SH
AT HOME CORP COMMON STOCK 045919107 799 14816 SH
AT HOME CORP COMMON STOCK 045919107 22 408 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 583 13206 SH
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 371 8398 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 6829 81721 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 1463 17503 SH
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 4808 109265 SH
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 3133 71200 SH
AVNET INC COMMON STOCK 053807103 1726 37110 SH
AVNET INC COMMON STOCK 053807103 168 3610 SH
AVON PRODUCTS INC COMMON STOCK 054303102 89 1600 SH
AVON PRODUCTS INC COMMON STOCK 054303102 500 9000 SH
BP AMOCO PLC FOREIGN STOCK 055622104 2197 20246 SH
BP AMOCO PLC FOREIGN STOCK 055622104 6701 61759 SH
BAKER HUGHES INC COMMON STOCK 057224107 1432 42733 SH
BAKER HUGHES INC COMMON STOCK 057224107 70 2100 SH
BALDWIN & LYONS INC COMMON STOCK 057755209 642 27082 SH
BANK AMER CORP COMMON STOCK 060505104 6732 91832 SH
BANK AMER CORP COMMON STOCK 060505104 996 13581 SH
BANK OF NEW YORK INC COMMON STOCK 064057102 3493 95200 SH
BANK OF NEW YORK INC COMMON STOCK 064057102 2461 67080 SH
BANK ONE CORP COMMON STOCK 06423A103 2764 46401 SH
BANK ONE CORP COMMON STOCK 06423A103 743 12471 SH
BANKBOSTON CORP COMMON STOCK 06605R106 867 16961 SH
BANKBOSTON CORP COMMON STOCK 06605R106 92 1800 SH
BAXTER INTL INC COMMON STOCK 071813109 139 2289 SH
BAXTER INTL INC COMMON STOCK 071813109 394 6500 SH
BECTON DICKINSON & CO COMMON STOCK 075887109 240 8000 SH
BECTON DICKINSON & CO COMMON STOCK 075887109 48 1600 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 11309 172986 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 2476 37876 SH
BELLSOUTH CORP COMMON STOCK 079860102 5900 127906 SH
BELLSOUTH CORP COMMON STOCK 079860102 9114 197586 SH
BERKSHIRE HATHAWAY INC COMMON STOCK 084670108 69 1 SH
BERKSHIRE HATHAWAY INC COMMON STOCK 084670108 276 4 SH
BERKSHIRE HATHAWAY INC COMMON STOCK 084670207 517 231 SH
BERKSHIRE HATHAWAY INC COMMON STOCK 084670207 647 289 SH
BESTFOODS COMMON STOCK 08658U101 1181 23850 SH
BESTFOODS COMMON STOCK 08658U101 1972 39836 SH
BLACK & DECKER CORP COMMON STOCK 091797100 1203 19050 SH
BLACK & DECKER CORP COMMON STOCK 091797100 13 200 SH
BLACKROCK ADVANTAGE TERM TR MUTUAL FUNDS 09247A101 97 10000 SH
BOEING CO COMMON STOCK 097023105 414 9412 SH
BOEING CO COMMON STOCK 097023105 873 19850 SH
BORG WARNER AUTOMOTIVE INC COMMON STOCK 099724106 1934 35170 SH
BORG WARNER AUTOMOTIVE INC COMMON STOCK 099724106 37 675 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 11691 165979 SH
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 18961 269188 SH
BUDGET GROUP INC COMMON STOCK 119003101 964 78265 SH
BUDGET GROUP INC COMMON STOCK 119003101 14 1125 SH
CHS ELECTRONICS INC COMMON STOCK 12542A206 63 14300 SH
CHS ELECTRONICS INC COMMON STOCK 12542A206 10 2300 SH
CNF TRANSPORTATION INC COMMON STOCK 12612W104 909 23600 SH
CNF TRANSPORTATION INC COMMON STOCK 12612W104 8 200 SH
CSX CORP COMMON STOCK 126408103 301 6625 SH
CALLAWAY GOLF CO COMMON STOCK 131193104 1094 74825 SH
CALLAWAY GOLF CO COMMON STOCK 131193104 12 850 SH
CAMPBELL SOUP CO COMMON STOCK 134429109 519 11200 SH
CAPITAL ONE FINANCIAL CORP INC COMMON STOCK 14040H105 518 9300 SH
CARNIVAL CORPORATION COMMON STOCK 143658102 1375 28350 SH
CARNIVAL CORPORATION COMMON STOCK 143658102 675 13915 SH
CAROLINA PWR & LT CO COMMON STOCK 144141108 6773 158213 SH
CAROLINA PWR & LT CO COMMON STOCK 144141108 1036 24205 SH
CATERPILLAR INC COMMON STOCK 149123101 177 2950 SH
CATERPILLAR INC COMMON STOCK 149123101 175 2915 SH
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 729 8425 SH
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 294 3402 SH
CHEVRON CORP COMMON STOCK 166751107 8260 86889 SH
CHEVRON CORP COMMON STOCK 166751107 6377 67083 SH
CHUBB CORP COMMON STOCK 171232101 5304 76314 SH
CHUBB CORP COMMON STOCK 171232101 242 3485 SH
CISCO SYS INC COMMON STOCK 17275R102 5964 92560 SH
CISCO SYS INC COMMON STOCK 17275R102 1179 18300 SH
CITIGROUP INC COMMON STOCK 172967101 1325 27900 SH
CITIGROUP INC COMMON STOCK 172967101 751 15808 SH
CITRIX SYSTEMS INC COMMON STOCK 177376100 1153 20415 SH
CITRIX SYSTEMS INC COMMON STOCK 177376100 6 100 SH
COCA COLA CO COMMON STOCK 191216100 3456 55743 SH
COCA COLA CO COMMON STOCK 191216100 3288 53025 SH
COLGATE PALMOLIVE CO COMMON STOCK 194162103 747 7580 SH
COLGATE PALMOLIVE CO COMMON STOCK 194162103 852 8650 SH
COMCAST CORP COMMON STOCK 200300200 31 800 SH
COMCAST CORP COMMON STOCK 200300200 263 6850 SH
COMERICA INC COMMON STOCK 200340107 5734 96465 SH
COMERICA INC COMMON STOCK 200340107 732 12309 SH
CONCORD EFS INC COMMON STOCK 206197105 1314 31050 SH
CONCORD EFS INC COMMON STOCK 206197105 6 150 SH
CONSECO INC COMMON STOCK 208464107 5342 175519 SH
CONSECO INC COMMON STOCK 208464107 300 9845 SH
CONSOLIDATED EDISON INC COMMON STOCK 209115104 19 420 SH
CONSOLIDATED EDISON INC COMMON STOCK 209115104 388 8568 SH
CONSOLIDATED NAT GAS CO COMMON STOCK 209615103 1520 25025 SH
CONSOLIDATED NAT GAS CO COMMON STOCK 209615103 534 8787 SH
COOPER INDUSTRIES INC COMMON STOCK 216669101 5514 106040 SH
COOPER INDUSTRIES INC COMMON STOCK 216669101 428 8225 SH
CORNING INC COMMON STOCK 219350105 2905 41425 SH
CORNING INC COMMON STOCK 219350105 1038 14800 SH
CORPORATE EXPRESS INC COMMON STOCK 219888104 1337 191030 SH
CORPORATE EXPRESS INC COMMON STOCK 219888104 7 950 SH
CRESCENDO PHARMACEUTICALS CORP COMMON STOCK 225637107 1713 99300 SH
CUMMINS ENGINE CO INC COMMON STOCK 231021106 9297 162755 SH
CUMMINS ENGINE CO INC COMMON STOCK 231021106 283 4950 SH
DPL INC COMMON STOCK 233293109 55 2974 SH
DPL INC COMMON STOCK 233293109 235 12725 SH
D R HORTON INC COMMON STOCK 23331A109 530 31895 SH
D R HORTON INC COMMON STOCK 23331A109 7 450 SH
DEERE & CO COMMON STOCK 244199105 7154 182548 SH
DEERE & CO COMMON STOCK 244199105 671 17128 SH
DELL COMPUTER CORP COMMON STOCK 247025109 1223 33055 SH
DELL COMPUTER CORP COMMON STOCK 247025109 264 7140 SH
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 1499 81044 SH
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 253 13675 SH
DIAMOND OFFSHORE DRILLING COMMON STOCK 25271C102 993 35000 SH
DIAMOND OFFSHORE DRILLING COMMON STOCK 25271C102 22 775 SH
WALT DISNEY HLDG CO COMMON STOCK 254687106 2861 92836 SH
WALT DISNEY HLDG CO COMMON STOCK 254687106 2099 68136 SH
DOMINION RES INC VA COMMON STOCK 257470104 7 154 SH
DOMINION RES INC VA COMMON STOCK 257470104 344 7949 SH
DOW CHEMICAL CO COMMON STOCK 260543103 6692 52744 SH
DOW CHEMICAL CO COMMON STOCK 260543103 1214 9565 SH
DUPONT E I DE NEMOURS & CO COMMON STOCK 263534109 5983 87577 SH
DUPONT E I DE NEMOURS & CO COMMON STOCK 263534109 8373 122569 SH
DUN & BRADSTREET CORP COMMON STOCK 26483B106 7 200 SH
DUN & BRADSTREET CORP COMMON STOCK 26483B106 229 6456 SH
EMC CORP MASS COMMON STOCK 268648102 1317 23937 SH
EMC CORP MASS COMMON STOCK 268648102 125 2270 SH
EASTMAN CHEMICAL COMPANY COMMON STOCK 277432100 135 2600 SH
EASTMAN CHEMICAL COMPANY COMMON STOCK 277432100 159 3071 SH
EASTMAN KODAK CO COMMON STOCK 277461109 1163 17168 SH
EASTMAN KODAK CO COMMON STOCK 277461109 1264 18662 SH
ELECTRONICS FOR IMAGING INC COMMON STOCK 286082102 1661 32335 SH
ELECTRONICS FOR IMAGING INC COMMON STOCK 286082102 22 425 SH
EMERSON ELEC CO COMMON STOCK 291011104 2541 40376 SH
EMERSON ELEC CO COMMON STOCK 291011104 3319 52730 SH
ENRON CORP COMMON STOCK 293561106 2355 28802 SH
ENRON CORP COMMON STOCK 293561106 43 523 SH
EQUIFAX INC COMMON STOCK 294429105 272 7630 SH
EQUIFAX INC COMMON STOCK 294429105 7 200 SH
EXECUTIVE RISK INC COMMON STOCK 301586103 2330 27386 SH
EXECUTIVE RISK INC COMMON STOCK 301586103 80 935 SH
EXXON CORP COMMON STOCK 302290101 14557 188743 SH
EXXON CORP COMMON STOCK 302290101 22258 288591 SH
FPL GROUP INC COMMON STOCK 302571104 119 2182 SH
FPL GROUP INC COMMON STOCK 302571104 153 2800 SH
FAMILY DLR STORES COMMON STOCK 307000109 1248 52000 SH
FAMILY DLR STORES COMMON STOCK 307000109 13 525 SH
FEDERAL HOME LN MTG CORP COMMON STOCK 313400301 247 4250 SH
FEDERAL HOME LN MTG CORP COMMON STOCK 313400301 28 480 SH
FEDERAL NATL MTG ASSN COMMON STOCK 313586109 12669 185624 SH
FEDERAL NATL MTG ASSN COMMON STOCK 313586109 3812 55850 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 939 14112 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 13 200 SH
FINL SEC ASSURANCE HLDGS LTD COMMON STOCK 31769P100 1148 22075 SH
FINL SEC ASSURANCE HLDGS LTD COMMON STOCK 31769P100 16 300 SH
FIRST UNION CORP COMMON STOCK 337358105 620 13150 SH
FIRST UNION CORP COMMON STOCK 337358105 155 3294 SH
FIRSTENERGY CORP COMMON STOCK 337932107 6904 222719 SH
FIRSTENERGY CORP COMMON STOCK 337932107 399 12880 SH
FLEET FINL GROUP INC NEW COMMON STOCK 338915101 6933 156235 SH
FLEET FINL GROUP INC NEW COMMON STOCK 338915101 982 22126 SH
FORD MOTOR CO COMMON STOCK 345370100 9839 174342 SH
FORD MOTOR CO COMMON STOCK 345370100 1692 29975 SH
FORT JAMES CORP COMMON STOCK 347471104 201 5300 SH
FORT JAMES CORP COMMON STOCK 347471104 9 250 SH
FRONTIER CORP COMMON STOCK 35906P105 456 7777 SH
FRONTIER CORP COMMON STOCK 35906P105 343 5859 SH
GTE CORP COMMON STOCK 362320103 10504 139132 SH
GTE CORP COMMON STOCK 362320103 3775 49994 SH
GANNETT CO INC COMMON STOCK 364730101 313 4380 SH
GANNETT CO INC COMMON STOCK 364730101 664 9300 SH
GAP INC COMMON STOCK 364760108 755 14989 SH
GAP INC COMMON STOCK 364760108 116 2302 SH
GENERAL ELEC CO COMMON STOCK 369604103 39886 352975 SH
GENERAL ELEC CO COMMON STOCK 369604103 60386 534390 SH
GENERAL MILLS INC COMMON STOCK 370334104 169 2100 SH
GENERAL MILLS INC COMMON STOCK 370334104 153 1900 SH
GENERAL MOTORS CORP COMMON STOCK 370442105 7816 118420 SH
GENERAL MOTORS CORP COMMON STOCK 370442105 1092 16550 SH
GENERAL NUTRITION COMPANIES COMMON STOCK 37047F103 2067 88660 SH
GENERAL NUTRITION COMPANIES COMMON STOCK 37047F103 44 1900 SH
GENESIS HEALTH VENTURES INC COMMON STOCK 371912106 43 14300 SH
GENESIS HEALTH VENTURES INC COMMON STOCK 371912106 2 650 SH
GENUINE PARTS INC COMMON STOCK 372460105 63 1807 SH
GENUINE PARTS INC COMMON STOCK 372460105 525 14995 SH
GEORGIA PAC CORP COMMON STOCK 373298108 1414 29855 SH
GEORGIA PAC CORP COMMON STOCK 373298108 17 350 SH
GILLETTE CO COMMON STOCK 375766102 1485 36214 SH
GILLETTE CO COMMON STOCK 375766102 3722 90779 SH
GLEASON CORP COMMON STOCK 377339106 219 13000 SH
GLAXO WELLCOME PLC FOREIGN STOCK 37733W105 51 900 SH
GLAXO WELLCOME PLC FOREIGN STOCK 37733W105 159 2800 SH
GOODYS FAMILY CLOTHING INC COMMON STOCK 382588101 125 10900 SH
W W GRAINGER INC COMMON STOCK 384802104 243 4520 SH
W W GRAINGER INC COMMON STOCK 384802104 361 6700 SH
GUIDANT CORP COMMON STOCK 401698105 950 18580 SH
GUIDANT CORP COMMON STOCK 401698105 13 250 SH
HAHN AUTOMOTIVE WAREHOUSE COMMON STOCK 405191107 63 42003 SH
HARRIS CORP COMMON STOCK 413875105 6005 153234 SH
HARRIS CORP COMMON STOCK 413875105 491 12520 SH
HARTFORD FINANCIAL SVCS GRP INC COMMON STOCK 416515104 2061 35338 SH
HARTFORD FINANCIAL SVCS GRP INC COMMON STOCK 416515104 323 5535 SH
HEALTHSOUTH CORP COMMON STOCK 421924101 1708 114821 SH
HEALTHSOUTH CORP COMMON STOCK 421924101 16 1075 SH
HEINZ H J CO COMMON STOCK 423074103 301 6000 SH
HEINZ H J CO COMMON STOCK 423074103 694 13850 SH
HERCULES INC COMMON STOCK 427056106 1485 37775 SH
HERCULES INC COMMON STOCK 427056106 25 625 SH
HEWLETT-PACKARD CO COMMON STOCK 428236103 3537 35193 SH
HEWLETT-PACKARD CO COMMON STOCK 428236103 3279 32625 SH
HOLLINGER INTERNATIONAL INC COMMON STOCK 435569108 1561 131421 SH
HOLLINGER INTERNATIONAL INC COMMON STOCK 435569108 35 2925 SH
HOME DEPOT INC COMMON STOCK 437076102 3417 53024 SH
HOME DEPOT INC COMMON STOCK 437076102 1867 28971 SH
HOUSEHOLD INTL INC COMMON STOCK 441815107 75 1593 SH
HOUSEHOLD INTL INC COMMON STOCK 441815107 199 4209 SH
ICN PHARMACEUTICALS INC COMMON STOCK 448924100 1650 51250 SH
ICN PHARMACEUTICALS INC COMMON STOCK 448924100 19 600 SH
IMC GLOBAL INC COMMON STOCK 449669100 1424 81965 SH
IMC GLOBAL INC COMMON STOCK 449669100 40 2300 SH
IMS HEALTH INC COMMON STOCK 449934108 13 400 SH
IMS HEALTH INC COMMON STOCK 449934108 555 17772 SH
IRI INTERNATIONAL CORP COMMON STOCK 45004F107 99 21500 SH
IKON OFFICE SOLUTIONS INC COMMON STOCK 451713101 150 10000 SH
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 1018 12450 SH
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 1568 19180 SH
INDYMAC MTG HLDGS INC COMMON STOCK 456607100 2264 141510 SH
INDYMAC MTG HLDGS INC COMMON STOCK 456607100 32 2000 SH
INGERSOLL RAND CO COMMON STOCK 456866102 192 2975 SH
INGERSOLL RAND CO COMMON STOCK 456866102 209 3227 SH
INTEL CORP COMMON STOCK 458140100 6337 106500 SH
INTEL CORP COMMON STOCK 458140100 3812 64060 SH
INTERMEDIA COMMUNICATIONS INC COMMON STOCK 458801107 1370 45675 SH
INTERMEDIA COMMUNICATIONS INC COMMON STOCK 458801107 14 450 SH
INTERNATIONAL BUSINESS MACHS CRP COMMON STOCK 459200101 15836 122523 SH
INTERNATIONAL BUSINESS MACHS CRP COMMON STOCK 459200101 5072 39243 SH
INTL FLAVORS & FRAGRANCES INC COMMON STOCK 459506101 339 7700 SH
INTERNATIONAL PAPER CO COMMON STOCK 460146103 359 7143 SH
INTERNATIONAL PAPER CO COMMON STOCK 460146103 599 11917 SH
INTERPUBLIC GROUP COS INC COMMON STOCK 460690100 45 525 SH
INTERPUBLIC GROUP COS INC COMMON STOCK 460690100 693 8000 SH
JABIL CIRCUIT INC COMMON STOCK 466313103 255 5650 SH
JABIL CIRCUIT INC COMMON STOCK 466313103 36 800 SH
JEFFERSON PILOT CORP COMMON STOCK 475070108 7606 114915 SH
JEFFERSON PILOT CORP COMMON STOCK 475070108 1046 15809 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 4915 50150 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 5226 53326 SH
K MART CORP COMMON STOCK 482584109 1731 104936 SH
K MART CORP COMMON STOCK 482584109 6 350 SH
KAYE GROUP INC COMMON STOCK 486589104 1279 162430 SH
KELLOGG CO COMMON STOCK 487836108 5 161 SH
KELLOGG CO COMMON STOCK 487836108 218 6600 SH
KENNAMETAL INC COMMON STOCK 489170100 1459 47065 SH
KENNAMETAL INC COMMON STOCK 489170100 7 225 SH
KEYCORP NEW COMMON STOCK 493267108 795 24738 SH
KEYCORP NEW COMMON STOCK 493267108 254 7922 SH
KIMBERLY CLARK CORP COMMON STOCK 494368103 1569 27523 SH
KIMBERLY CLARK CORP COMMON STOCK 494368103 2178 38207 SH
KOHLS CORP COMMON STOCK 500255104 1236 16075 SH
KOHLS CORP COMMON STOCK 500255104 10 125 SH
LG&E ENERGY CORP COMMON STOCK 501917108 100 4777 SH
LG&E ENERGY CORP COMMON STOCK 501917108 191 9097 SH
LSI LOGIC CORP COMMON STOCK 502161102 3305 71645 SH
LSI LOGIC CORP COMMON STOCK 502161102 129 2800 SH
LEHMAN BROTHERS HLDGS INC COMMON STOCK 524908100 2276 36640 SH
LEHMAN BROTHERS HLDGS INC COMMON STOCK 524908100 19 300 SH
LEXMARK HLDGS INC COMMON STOCK 529771107 1538 23474 SH
LEXMARK HLDGS INC COMMON STOCK 529771107 33 500 SH
LILLY ELI & CO COMMON STOCK 532457108 997 13915 SH
LILLY ELI & CO COMMON STOCK 532457108 975 13615 SH
LOWES COS INC COMMON STOCK 548661107 1049 18500 SH
LOWES COS INC COMMON STOCK 548661107 66 1157 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 4912 72831 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 6350 94168 SH
M & T BANK CORP COMMON STOCK 55261F104 165141 300256 SH
M & T BANK CORP COMMON STOCK 55261F104 11493 20897 SH
MCN ENERGY GROUP INC COMMON STOCK 55267J100 1527 73605 SH
MCN ENERGY GROUP INC COMMON STOCK 55267J100 24 1133 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 2279 26476 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 392 4551 SH
MALLINCKRODT INC COMMON STOCK 561232109 215 5900 SH
MALLINCKRODT INC COMMON STOCK 561232109 10 275 SH
MASCO CORP COMMON STOCK 574599106 398 13800 SH
MATTEL INC COMMON STOCK 577081102 167 6390 SH
MATTEL INC COMMON STOCK 577081102 123 4697 SH
MAYTAG CORPORATION COMMON STOCK 578592107 1049 15024 SH
MAYTAG CORPORATION COMMON STOCK 578592107 21 300 SH
MCDONALDS CORP COMMON STOCK 580135101 1802 43823 SH
MCDONALDS CORP COMMON STOCK 580135101 1361 33106 SH
MC GRAW HILL COMPANIES INC COMMON STOCK 580645109 1695 31430 SH
MC GRAW HILL COMPANIES INC COMMON STOCK 580645109 1289 23904 SH
MCKESSON HBOC INC COMMON STOCK 58155Q103 867 26945 SH
MCKESSON HBOC INC COMMON STOCK 58155Q103 19 594 SH
MEAD CORP COMMON STOCK 582834107 1055 25275 SH
MEAD CORP COMMON STOCK 582834107 20 475 SH
MEDIAONE GROUP INC COMMON STOCK 58440J104 164 2201 SH
MEDIAONE GROUP INC COMMON STOCK 58440J104 132 1774 SH
MEDICIS PHARMACEUTICAL CORP COMMON STOCK 584690309 1034 40744 SH
MEDICIS PHARMACEUTICAL CORP COMMON STOCK 584690309 4 162 SH
MEDTRONIC INC COMMON STOCK 585055106 1203 15444 SH
MEDTRONIC INC COMMON STOCK 585055106 460 5905 SH
MELLON BANK CORP COMMON STOCK 585509102 702 19288 SH
MELLON BANK CORP COMMON STOCK 585509102 29 800 SH
MERCK & CO INC COMMON STOCK 589331107 14879 202096 SH
MERCK & CO INC COMMON STOCK 589331107 11805 160345 SH
MICROSOFT CORP COMMON STOCK 594918104 5908 65505 SH
MICROSOFT CORP COMMON STOCK 594918104 3305 36645 SH
MILACRON INC COMMON STOCK 598709103 1306 70582 SH
MILACRON INC COMMON STOCK 598709103 25 1325 SH
MINNESOTA MNG & MFG CO COMMON STOCK 604059105 2972 34181 SH
MINNESOTA MNG & MFG CO COMMON STOCK 604059105 5756 66205 SH
MOBIL CORPORATION COMMON STOCK 607059102 15267 154606 SH
MOBIL CORPORATION COMMON STOCK 607059102 6887 69741 SH
MODIS PROFFESSIONAL SVCS INC COMMON STOCK 607830106 195 14350 SH
MODIS PROFFESSIONAL SVCS INC COMMON STOCK 607830106 22 1645 SH
MODTECH HOLDINGS INC COMMON STOCK 60783C100 153 13425 SH
MOLEX INC COMMON STOCK 608554101 37 995 SH
MOLEX INC COMMON STOCK 608554101 329 8894 SH
MONSANTO CO COMMON STOCK 611662107 778 19670 SH
MONSANTO CO COMMON STOCK 611662107 376 9510 SH
MORGAN J P & CO INC COMMON STOCK 616880100 8728 62120 SH
MORGAN J P & CO INC COMMON STOCK 616880100 5195 36974 SH
MORGAN STANLEY DEAN WITTER & CO COMMON STOCK 617446448 1025 9983 SH
MORGAN STANLEY DEAN WITTER & CO COMMON STOCK 617446448 144 1400 SH
MOTOROLA INC COMMON STOCK 620076109 3052 32215 SH
MOTOROLA INC COMMON STOCK 620076109 1983 20925 SH
NCO GROUP INC COMMON STOCK 628858102 209 5500 SH
NABORS INDS INC COMMON STOCK 629568106 139 5700 SH
NABORS INDS INC COMMON STOCK 629568106 67 2750 SH
NATIONAL SEMICONDUCTOR CORP COMMON STOCK 637640103 1318 52050 SH
NATIONAL SEMICONDUCTOR CORP COMMON STOCK 637640103 24 950 SH
NEW CENTURY ENERGIES INC COMMON STOCK 64352U103 854 21995 SH
NEW CENTURY ENERGIES INC COMMON STOCK 64352U103 790 20350 SH
NEW PLAN EXCEL REALTY TR COMMON STOCK 648053106 36 1983 SH
NEW PLAN EXCEL REALTY TR COMMON STOCK 648053106 522 28975 SH
NEWBRIDGE NETWORKS CORP FOREIGN STOCK 650901101 1620 56350 SH
NEWBRIDGE NETWORKS CORP FOREIGN STOCK 650901101 18 625 SH
NORFOLK SOUTHN CORP COMMON STOCK 655844108 93 3100 SH
NORFOLK SOUTHN CORP COMMON STOCK 655844108 250 8305 SH
OFFICEMAX INC COMMON STOCK 67622M108 1484 123695 SH
OFFICEMAX INC COMMON STOCK 67622M108 35 2875 SH
OGDEN CORP COMMON STOCK 676346109 354 13151 SH
OGDEN CORP COMMON STOCK 676346109 22 800 SH
OMNICOM GROUP INC COMMON STOCK 681919106 931 11635 SH
OMNICOM GROUP INC COMMON STOCK 681919106 16 200 SH
ORACLE CORPORATION COMMON STOCK 68389X105 2175 58598 SH
ORACLE CORPORATION COMMON STOCK 68389X105 645 17385 SH
P P & L RESOURCES INC COMMON STOCK 693499105 327 10644 SH
P P & L RESOURCES INC COMMON STOCK 693499105 46 1510 SH
PPG INDS INC COMMON STOCK 693506107 426 7207 SH
PPG INDS INC COMMON STOCK 693506107 1312 22216 SH
PAINE WEBBER GROUP INC COMMON STOCK 695629105 1958 41885 SH
PAINE WEBBER GROUP INC COMMON STOCK 695629105 58 1235 SH
PALL CORP COMMON STOCK 696429307 699 31500 SH
PAYCHEX INC COMMON STOCK 704326107 455 14284 SH
PAYCHEX INC COMMON STOCK 704326107 98 3083 SH
PENNEY J C CO INC COMMON STOCK 708160106 3914 80592 SH
PENNEY J C CO INC COMMON STOCK 708160106 452 9313 SH
PEPSICO INC COMMON STOCK 713448108 2370 61248 SH
PEPSICO INC COMMON STOCK 713448108 4789 123794 SH
PETSMART INC COMMON STOCK 716768106 110 10700 SH
PFIZER INC COMMON STOCK 717081103 5873 53883 SH
PFIZER INC COMMON STOCK 717081103 4266 39135 SH
PHILIP MORRIS COS INC COMMON STOCK 718154107 2735 68058 SH
PHILIP MORRIS COS INC COMMON STOCK 718154107 3892 96835 SH
PITNEY BOWES INC COMMON STOCK 724479100 8673 134981 SH
PITNEY BOWES INC COMMON STOCK 724479100 1086 16905 SH
PREMARK INTL INC COMMON STOCK 740459102 6453 172088 SH
PREMARK INTL INC COMMON STOCK 740459102 364 9702 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 9214 103241 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 20790 232941 SH
PROVIDIAN FINANCIAL CORP COMMON STOCK 74406A102 601 6450 SH
PROVIDIAN FINANCIAL CORP COMMON STOCK 74406A102 11 115 SH
QUANTUM CORP COMMON STOCK 747906105 1186 49170 SH
QUANTUM CORP COMMON STOCK 747906105 7 300 SH
RAYTHEON CO COMMON STOCK 755111408 250 3550 SH
RAYTHEON CO COMMON STOCK 755111408 367 5200 SH
RELIANCE GROUP HLDS INC COMMON STOCK 759464100 962 129302 SH
RELIANCE GROUP HLDS INC COMMON STOCK 759464100 38 5050 SH
RELIANT ENERGY INC COMMON STOCK 75952J108 5997 217081 SH
RELIANT ENERGY INC COMMON STOCK 75952J108 579 20970 SH
RELIASTAR FINANCIAL CORP COMMON STOCK 75952U103 9691 221504 SH
RELIASTAR FINANCIAL CORP COMMON STOCK 75952U103 1744 39865 SH
REYNOLDS METALS CO COMMON STOCK 761763101 6865 116355 SH
REYNOLDS METALS CO COMMON STOCK 761763101 268 4545 SH
ROSS STORES INC COMMON STOCK 778296103 1433 28450 SH
ROSS STORES INC COMMON STOCK 778296103 16 325 SH
ROYAL DUTCH PETE CO FOREIGN STOCK 780257804 4956 82260 SH
ROYAL DUTCH PETE CO FOREIGN STOCK 780257804 5283 87685 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 4847 83574 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 4646 80102 SH
SCI SYS INC COMMON STOCK 783890106 1891 39915 SH
SCI SYS INC COMMON STOCK 783890106 11 225 SH
SPX CORP COMMON STOCK 784635104 1891 22650 SH
SPX CORP COMMON STOCK 784635104 42 497 SH
SAFEWAY INC COMMON STOCK 786514208 279 5635 SH
SANMINA CORP COMMON STOCK 800907107 193 2550 SH
SANMINA CORP COMMON STOCK 800907107 9 125 SH
SARA LEE CORP COMMON STOCK 803111103 1539 67850 SH
SARA LEE CORP COMMON STOCK 803111103 2346 103400 SH
SCHERING PLOUGH CORP COMMON STOCK 806605101 9134 173975 SH
SCHERING PLOUGH CORP COMMON STOCK 806605101 8615 164100 SH
SCHLUMBERGER LTD FOREIGN STOCK 806857108 2888 45350 SH
SCHLUMBERGER LTD FOREIGN STOCK 806857108 2049 32180 SH
SCHWAB CHARLES CORP NEW COMMON STOCK 808513105 1097 10065 SH
SCHWAB CHARLES CORP NEW COMMON STOCK 808513105 57 525 SH
SEARS ROEBUCK & CO COMMON STOCK 812387108 125 2808 SH
SEARS ROEBUCK & CO COMMON STOCK 812387108 118 2650 SH
SERVICEMASTER CO COMMON STOCK 81760N109 299 15943 SH
SHERWIN WILLIAMS CO COMMON STOCK 824348106 55 1984 SH
SHERWIN WILLIAMS CO COMMON STOCK 824348106 222 8000 SH
SHORELINE FINANCIAL CORP COMMON STOCK 825190101 264 8776 SH
SMITHKLINE BEECHAM FOREIGN STOCK 832378301 20 300 SH
SMITHKLINE BEECHAM FOREIGN STOCK 832378301 747 11300 SH
SMURFIT STONE CONTAINER CORP COMMON STOCK 832727101 926 45050 SH
SMURFIT STONE CONTAINER CORP COMMON STOCK 832727101 10 500 SH
SONAT INC COMMON STOCK 835415100 212 6400 SH
SONAT INC COMMON STOCK 835415100 27 808 SH
SONOCO PRODUCTS CO COMMON STOCK 835495102 4999 166973 SH
SONOCO PRODUCTS CO COMMON STOCK 835495102 658 21977 SH
SPRINT CORP FON GROUP COMMON STOCK 852061100 594 11200 SH
SPRINT CORP FON GROUP COMMON STOCK 852061100 207 3900 SH
SPRINT CORP FON GROUP COMMON STOCK 852061506 160 2800 SH
SPRINT CORP FON GROUP COMMON STOCK 852061506 56 975 SH
STAPLES INC COMMON STOCK 855030102 1209 39094 SH
STAPLES INC COMMON STOCK 855030102 90 2900 SH
STERLING COMMERCE INC COMMON STOCK 859205106 933 25375 SH
SUN MICROSYSTEMS INC COMMON STOCK 866810104 4839 70255 SH
SUN MICROSYSTEMS INC COMMON STOCK 866810104 640 9290 SH
SUNTERRA CORP COMMON STOCK 86787D109 2768 198583 SH
SUNTERRA CORP COMMON STOCK 86787D109 47 3400 SH
SUPERIOR ENERGY SERVICES INC COMMON STOCK 868157108 114 22400 SH
TECO ENERGY INC COMMON STOCK 872375100 236 10366 SH
TECO ENERGY INC COMMON STOCK 872375100 139 6111 SH
TEPPCO PARTNERS LP COMMON STOCK 872384102 323 13000 SH
TANDY CORP COMMON STOCK 875382103 3473 71050 SH
TANDY CORP COMMON STOCK 875382103 364 7440 SH
TEXACO INC COMMON STOCK 881694103 559 8967 SH
TEXACO INC COMMON STOCK 881694103 329 5276 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 1051 7300 SH
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 259 1800 SH
TIME WARNER INC COMMON STOCK 887315109 1177 16200 SH
TIME WARNER INC COMMON STOCK 887315109 269 3700 SH
TODD SHIPYARDS CORP COMMON STOCK 889039103 103 15000 SH
TOSCO CORP COMMON STOCK 891490302 896 34527 SH
TOSCO CORP COMMON STOCK 891490302 25 975 SH
TRUSTCO BANK CORP NY COMMON STOCK 898349105 49 1825 SH
TRUSTCO BANK CORP NY COMMON STOCK 898349105 163 6083 SH
TYCO INTL LTD NEW COMMON STOCK 902124106 999 10547 SH
TYCO INTL LTD NEW COMMON STOCK 902124106 488 5155 SH
USX - U S STL GROUP COMMON STOCK 90337T101 7473 276760 SH
USX - U S STL GROUP COMMON STOCK 90337T101 221 8200 SH
UNILEVER LTD FOREIGN STOCK 904784709 278 3981 SH
UNILEVER LTD FOREIGN STOCK 904784709 8 111 SH
UNION PAC CORP COMMON STOCK 907818108 175 3000 SH
UNION PAC CORP COMMON STOCK 907818108 338 5800 SH
UNIPHASE CORP COMMON STOCK 909149106 1959 11800 SH
UNIPHASE CORP COMMON STOCK 909149106 21 125 SH
US AIRWAYS GROUP INC COMMON STOCK 911905107 530 12170 SH
U S INDUSTRIES INC COMMON STOCK 912080108 177 10400 SH
U S INDUSTRIES INC COMMON STOCK 912080108 17 975 SH
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UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 230 3200 SH
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UNITRIN INC COMMON STOCK 913275103 964 23500 SH
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UNOCAL CORP COMMON STOCK 915289102 107 2700 SH
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USWEB CORP COMMON STOCK 917327108 9 400 SH
V F CORP COMMON STOCK 918204108 5655 132279 SH
V F CORP COMMON STOCK 918204108 310 7245 SH
VISHAY INTERTECHNOLOGY INC COMMON STOCK 928298108 3171 150993 SH
VISHAY INTERTECHNOLOGY INC COMMON STOCK 928298108 85 4032 SH
VODAFONE AIRTOUCH PLC FOREIGN STOCK 92857T107 605 3069 SH
VODAFONE AIRTOUCH PLC FOREIGN STOCK 92857T107 1320 6702 SH
WICOR INC COMMON STOCK 929253102 247 8840 SH
WICOR INC COMMON STOCK 929253102 183 6554 SH
WACHOVIA CORP NEW COMMON STOCK 929771103 1134 13255 SH
WACHOVIA CORP NEW COMMON STOCK 929771103 837 9785 SH
WAL MART STORES INC COMMON STOCK 931142103 3457 71640 SH
WAL MART STORES INC COMMON STOCK 931142103 1530 31706 SH
WARNER LAMBERT CO COMMON STOCK 934488107 1520 21990 SH
WARNER LAMBERT CO COMMON STOCK 934488107 3253 47065 SH
WASTE MANAGEMENT INC COMMON STOCK 94106L109 1848 34383 SH
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WELLS FARGO CO COMMON STOCK 949746101 836 19560 SH
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WHIRLPOOL CORP COMMON STOCK 963320106 6909 93359 SH
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XEROX CORP COMMON STOCK 984121103 2000 33859 SH
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DAIMLER CHRYSLER AG FOREIGN STOCK D1668R123 654 7346 SH
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IPC HOLDINGS LTD COMMON STOCK G4933P101 822 41100 SH
LASALLE RE HLGS LTD FOREIGN STOCK G5383Q101 425 25000 SH
ROYAL CARIBBEAN CRUISES FOREIGN STOCK V7780T103 217 4950 SH
NAME OF ISSUER INVSTMT OTHER VOTING AUTHORITY
SECURITY NAME DISCRTN MANAGERS SOLE SHARED NONE
ADC TELECOMMUNICATIONS INC DEFINED 1 30645
ADC TELECOMMUNICATIONS INC DEFINED 1 675
ADC TELECOMMUNICATIONS INC DEF/OTH 1 525
AT&T CORP DEFINED 1 265804
AT&T CORP DEFINED 1 1974
AT&T CORP DEF/OTH 1 81431
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ABBOTT LABORATORIES DEFINED 1 39681
ABBOTT LABORATORIES DEFINED 1 575
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ABBOTT LABORATORIES DEF/OTH 1 12000
ACTION PERFORMANCE COS DEFINED 1 43750
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AIR PRODUCTS & CHEMICALS INC DEFINED 1 124229
AIR PRODUCTS & CHEMICALS INC DEFINED 1 1100
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ALLIED HEALTHCARE PRODS INC DEFINED 1 370000
ALLIED SIGNAL INC DEFINED 1 144854
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ALZA CORP DEFINED 1 35840
ALZA CORP DEF/OTH 1 175
AMERICA ONLINE INC DEFINED 1 8405
AMERICA ONLINE INC DEFINED 1 225
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AMERN EXPRESS CO DEFINED 1 5010
AMERN EXPRESS CO DEFINED 1 175
AMERN EXPRESS CO DEF/OTH 1 1600
AMERICAN GENERAL CORP DEFINED 1 2288
AMERICAN GENERAL CORP DEF/OTH 1 612
AMERICAN GENERAL CORP DEF/OTH 1 400
AMERICAN HOME PRODUCTS CORP DEFINED 1 50642
AMERICAN HOME PRODUCTS CORP DEFINED 1 375
AMERICAN HOME PRODUCTS CORP DEF/OTH 1 149730
AMERICAN HOME PRODUCTS CORP DEF/OTH 1 105700
AMERICAN INTERNATIONAL GROUP INCDEFINED 1 117215
AMERICAN INTERNATIONAL GROUP INCDEFINED 1 1114
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AMERICAN INTERNATIONAL GROUP INCDEF/OTH 1 9605
AMERITECH CORP NEW DEFINED 1 33785
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AMERITECH CORP NEW DEF/OTH 1 4768
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AMGEN INC DEF/OTH 1 2000
ANHEUSER BUSCH COS INC DEFINED 1 3290
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ARCHER DANIELS MIDLAND CO DEF/OTH 1 17311
ARGONAUT GROUP DEF/OTH 1 12000
ARROW ELECTRONICS INC DEFINED 1 74775
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AT HOME CORP DEFINED 1 14816
AT HOME CORP DEF/OTH 1 408
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CITIGROUP INC DEFINED 1 3992
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COMERICA INC DEFINED 1 1327
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WALT DISNEY HLDG CO DEFINED 1 275
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WALT DISNEY HLDG CO DEF/OTH 1 11000
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DOW CHEMICAL CO DEFINED 1 525
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DUN & BRADSTREET CORP DEF/OTH 1 1900
EMC CORP MASS DEFINED 1 23537
EMC CORP MASS DEFINED 1 400
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EASTMAN CHEMICAL COMPANY DEF/OTH 1 1812
EASTMAN CHEMICAL COMPANY DEF/OTH 1 1259
EASTMAN KODAK CO DEFINED 1 17101
EASTMAN KODAK CO DEFINED 1 67
EASTMAN KODAK CO DEF/OTH 1 14724
EASTMAN KODAK CO DEF/OTH 1 3938
ELECTRONICS FOR IMAGING INC DEFINED 1 31710
ELECTRONICS FOR IMAGING INC DEFINED 1 625
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EMERSON ELEC CO DEFINED 1 39976
EMERSON ELEC CO DEFINED 1 400
EMERSON ELEC CO DEF/OTH 1 46130
EMERSON ELEC CO DEF/OTH 1 6600
ENRON CORP DEFINED 1 28802
ENRON CORP DEF/OTH 1 523
EQUIFAX INC DEFINED 1 7630
EQUIFAX INC DEF/OTH 1 200
EXECUTIVE RISK INC DEFINED 1 27386
EXECUTIVE RISK INC DEF/OTH 1 935
EXXON CORP DEFINED 1 188518
EXXON CORP DEFINED 1 225
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EXXON CORP DEF/OTH 1 106744
FPL GROUP INC DEFINED 1 2182
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SONOCO PRODUCTS CO DEF/OTH 1 19997
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WAL MART STORES INC DEFINED 1 1125
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XEROX CORP DEFINED 1 150
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IPC HOLDINGS LTD DEFINED 1 41100
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ROYAL CARIBBEAN CRUISES DEFINED 1 625
</TABLE>
