[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: 09/30/1999
Check here if Amendment [ ] Amendment Number:
This Amendment [ ] is a restatement
[ ] adds new holding entries
Institutional Investment Manager Filing this Report:
Name: GLENS FALLS NATIONAL BANK
Address: 250 GLEN STREET
GLENS FALLS, NY 12801
13F File Number: 28-03696
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: John Corcoran
Title: Vice President
Phone: (518)793-4121
Signature, Place, and Date of Signing:
1 Glens Falls, NY 10/05/1999
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: 0
Form 13F Information Table Entry Total: 240
Form 13F Information Table Value Total: $ 320,537
List of Other Included Managers:
NONE
<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
AT&T CORP COMMON STOCK 001957109 507 11651 SH
AT&T CORP COMMON STOCK 001957109 193 4436 SH
ABBOTT LABORATORIES COMMON STOCK 002824100 399 10880 SH
ABBOTT LABORATORIES COMMON STOCK 002824100 316 8600 SH
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 792 27064 SH
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 211 7200 SH
ALBERTSON'S INC COMMON STOCK 013104104 1558 39375 SH
ALBERTSON'S INC COMMON STOCK 013104104 157 3975 SH
ALCOA INC COMMON STOCK 013817101 2145 34555 SH
ALCOA INC COMMON STOCK 013817101 158 2550 SH
ALLIED-SIGNAL INC COMMON STOCK 019512102 104 1734 SH
ALLIED-SIGNAL INC COMMON STOCK 019512102 194 3240 SH
AMERICAN HOME PRODUCTS COMMON STOCK 026609107 2257 54375 SH
AMERICAN HOME PRODUCTS COMMON STOCK 026609107 2291 55200 SH
AMER INTL GROUP INC COMMON STOCK 026874107 4134 47547 SH
AMER INTL GROUP INC COMMON STOCK 026874107 667 7677 SH
AMERITECH CORP COMMON STOCK 030954101 1352 20257 SH
AMERITECH CORP COMMON STOCK 030954101 260 3900 SH
ANALOG DEVICES, INC. COMMON STOCK 032654105 254 4950 SH
ANHEUSER BUSCH CO COMMON STOCK 035229103 925 13200 SH
ANHEUSER BUSCH CO COMMON STOCK 035229103 1481 21140 SH
ARROW COMMON STOCK 042744102 20463 787022 SH
ARROW COMMON STOCK 042744102 1290 49612 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 1029 11612 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 672 7582 SH
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 3338 74790 SH
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 602 13480 SH
BP AMOCO PLC SPON ADR COMMON STOCK 055622104 3473 31337 SH
BP AMOCO PLC SPON ADR COMMON STOCK 055622104 2056 18558 SH
BANK OF NY CO INC COMMON STOCK 064057102 201 6000 SH
BANK OF NY CO INC COMMON STOCK 064057102 395 11800 SH
BANK ONE CORP COMMON STOCK 06423A103 1899 54541 SH
BANK ONE CORP COMMON STOCK 06423A103 570 16370 SH
BANKNORTH GROUP, INC. COMMON STOCK 06646L100 1041 34836 SH
BANKNORTH GROUP, INC. COMMON STOCK 06646L100 320 10718 SH
BAXTER INTL INC COMMON STOCK 071813109 280 4650 SH
BAXTER INTL INC COMMON STOCK 071813109 211 3494 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 1611 23936 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 741 11004 SH
BELLSOUTH CORP COMMON STOCK 079860102 3218 71514 SH
BELLSOUTH CORP COMMON STOCK 079860102 1014 22528 SH
BESTFOODS INC COMMON STOCK 08658U101 4024 82859 SH
BESTFOODS INC COMMON STOCK 08658U101 584 12030 SH
BITWISE DESIGNS INC COMMON STOCK 091747105 15 10000 SH
BOEING COMPANY COMMON STOCK 097023105 256 6016 SH
BOEING COMPANY COMMON STOCK 097023105 134 3150 SH
BOSTON SCIENTIFIC CORP COMMON STOCK 101137107 228 9200 SH
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 9306 137872 SH
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 2753 40780 SH
BURLINGTON RESOURCES INC COMMON STOCK 122014103 277 7550 SH
BURLINGTON RESOURCES INC COMMON STOCK 122014103 77 2100 SH
CARNIVAL CORP COMMON STOCK 143658102 550 12650 SH
CARNIVAL CORP COMMON STOCK 143658102 104 2400 SH
CELGENE CORP COMMON STOCK 151020104 271 10000 SH
CHEVRON CORP COMMON STOCK 166751107 1506 16971 SH
CHEVRON CORP COMMON STOCK 166751107 459 5172 SH
CISCO SYSTEMS COMMON STOCK 17275R102 7189 104852 SH
CISCO SYSTEMS COMMON STOCK 17275R102 776 11325 SH
CITIGROUP INC COMMON STOCK 172967101 1064 24177 SH
CITIGROUP INC COMMON STOCK 172967101 29 655 SH
COCA COLA CO. COMMON STOCK 191216100 151 3125 SH
COCA COLA CO. COMMON STOCK 191216100 110 2278 SH
COMPUTER SCIENCES CORP COMMON STOCK 205363104 1048 14900 SH
COMPUTER SCIENCES CORP COMMON STOCK 205363104 77 1100 SH
CORNING INC COMMON STOCK 219350105 165 2400 SH
CORNING INC COMMON STOCK 219350105 178 2600 SH
WALT DISNEY CO. COMMON STOCK 254687106 2678 103000 SH
WALT DISNEY CO. COMMON STOCK 254687106 883 33975 SH
DOVER CORP COMMON STOCK 260003108 717 17550 SH
DOVER CORP COMMON STOCK 260003108 4 100 SH
DOW CHEMICAL CO COMMON STOCK 260543103 34 300 SH
DOW CHEMICAL CO COMMON STOCK 260543103 233 2050 SH
EI DUPONT DE NEMOURS & CO COMMON STOCK 263534109 3577 59122 SH
EI DUPONT DE NEMOURS & CO COMMON STOCK 263534109 1056 17450 SH
DUKE ENERGY CORP COMMON STOCK 264399106 2010 36465 SH
DUKE ENERGY CORP COMMON STOCK 264399106 324 5875 SH
EMC CORP COMMON STOCK 268648102 1924 26950 SH
EMC CORP COMMON STOCK 268648102 278 3900 SH
EASTMAN KODAK CO COMMON STOCK 277461109 291 3852 SH
ELECTRONIC DATA SYSTEMS COMMON STOCK 285661104 151 2856 SH
ELECTRONIC DATA SYSTEMS COMMON STOCK 285661104 79 1500 SH
EMERSON ELECTRIC CO COMMON STOCK 291011104 480 7590 SH
EMERSON ELECTRIC CO COMMON STOCK 291011104 717 11350 SH
ENRON CORP COMMON STOCK 293561106 1962 47780 SH
ENRON CORP COMMON STOCK 293561106 665 16200 SH
EXXON CORP COMMON STOCK 302290101 4180 54994 SH
EXXON CORP COMMON STOCK 302290101 1822 23970 SH
FED HOME LOAN MTG CORP COMMON STOCK 313400301 395 7600 SH
FED NATL MORT ASSOC COMMON STOCK 313586109 3593 57315 SH
FED NATL MORT ASSOC COMMON STOCK 313586109 750 11960 SH
FEDERATED FD US GOVT SECS INC MUTUAL FUNDS - 314182106 76 10009 SH
FIDELITY MUTUAL FUNDS - 315805101 555 8703 SH
FIDELITY MUTUAL FUNDS - 315805606 189 12131 SH
FIDELITY MUTUAL FUNDS - 315805812 1046 61950 SH
FIDELITY MUTUAL FUNDS - 315807875 431 39412 SH
FIDELITY MUTUAL FUNDS - 315808105 480 17440 SH
FIDELITY MUTUAL FUNDS - 315809103 530 51190 SH
FIDELITY ADV MUTUAL FUNDS - 315916882 120 10134 SH
FIDELITY MUTUAL FUNDS - 316066109 478 19282 SH
FIDELITY MUTUAL FUNDS - 316071109 797 13309 SH
FIDELITY MUTUAL FUNDS - 316071109 1521 25390 SH
FIDELITY MUTUAL FUNDS - 316071109 28 464 SH
FIDELITY MUTUAL FUNDS - 316146109 128 18261 SH
FIDELITY MUTUAL FUNDS - 31617K709 179 17084 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 322 5300 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 21 337 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 451 13981 SH
FRANKLIN MUTUAL FUNDS - 354713109 2855 102538 SH
FRANKLIN MUTUAL FUNDS - 354713109 39 1407 SH
FRANKLIN MUTUAL FUNDS - 354713109 17 593 SH
FRONTIER CORP COM COMMON STOCK 35906P105 217 4000 SH
GTE CORP COMMON STOCK 362320103 1026 13340 SH
GTE CORP COMMON STOCK 362320103 631 8210 SH
GALLAHER GROUP COMMON STOCK 363595109 345 12686 SH
GAM MUTUAL FUNDS - 364590109 8369 340885 SH
GAM MUTUAL FUNDS - 364590109 378 15378 SH
GAM MUTUAL FUNDS - 364590109 543 22124 SH
GANNETT COMPANY INC COMMON STOCK 364730101 125 1800 SH
GANNETT COMPANY INC COMMON STOCK 364730101 97 1400 SH
GAP, INC. COMMON STOCK 364760108 2355 73585 SH
GAP, INC. COMMON STOCK 364760108 508 15861 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 18215 153632 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 8805 74261 SH
GILLETTE CO COMMON STOCK 375766102 1193 35149 SH
GILLETTE CO COMMON STOCK 375766102 311 9154 SH
HALLIBURTON CO COMMON STOCK 406216101 316 7700 SH
HALLIBURTON CO COMMON STOCK 406216101 45 1100 SH
HARLEY DAVIDSON INC COMMON STOCK 412822108 3871 77322 SH
HARLEY DAVIDSON INC COMMON STOCK 412822108 129 2575 SH
HARTFORD LIFE, INC. COMMON STOCK 416592103 1437 29175 SH
HARTFORD LIFE, INC. COMMON STOCK 416592103 330 6700 SH
H J HEINZ CO COMMON STOCK 423074103 381 8850 SH
H J HEINZ CO COMMON STOCK 423074103 1097 25500 SH
HERCULES INC COMMON STOCK 427056106 258 9013 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 6762 74515 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 2833 31220 SH
HOME DEPOT COMMON STOCK 437076102 3102 45208 SH
HOME DEPOT COMMON STOCK 437076102 782 11400 SH
AXP NEW DIMENSIONS FUND MUTUAL FUNDS - 449444108 240 7791 SH
ILLINOIS TOOL WORKS INC. COMMON STOCK 452308109 520 6980 SH
ILLINOIS TOOL WORKS INC. COMMON STOCK 452308109 60 800 SH
INTEL CORP COMMON STOCK 458140100 5857 78810 SH
INTEL CORP COMMON STOCK 458140100 3051 41060 SH
INTL BUSINESS MACHINES COMMON STOCK 459200101 3266 26995 SH
INTL BUSINESS MACHINES COMMON STOCK 459200101 938 7752 SH
JACOBS ENGINEERING GROUP INC. COMMON STOCK 469814107 440 13550 SH
JACOBS ENGINEERING GROUP INC. COMMON STOCK 469814107 289 8900 SH
JANUS MUTUAL FUNDS - 471023101 221 5590 SH
JANUS MUTUAL FUNDS - 471023101 89 2245 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 7294 79393 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 3332 36270 SH
LIBERTY MUTUAL FUNDS - 530545870 125 18716 SH
ELI LILLY & CO COMMON STOCK 532457108 212 3300 SH
ELI LILLY & CO COMMON STOCK 532457108 180 2800 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 7138 110030 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 1974 30434 SH
MBIA INC COMMON STOCK 55262C100 282 6058 SH
MBIA INC COMMON STOCK 55262C100 47 1000 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 1376 19150 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 83 1150 SH
MCDONALDS CORP COMMON STOCK 580135101 807 18660 SH
MCDONALDS CORP COMMON STOCK 580135101 822 19000 SH
MEDTRONIC, INC COMMON STOCK 585055106 1062 29870 SH
MEDTRONIC, INC COMMON STOCK 585055106 14 400 SH
MERCK & CO COMMON STOCK 589331107 5060 78068 SH
MERCK & CO COMMON STOCK 589331107 2997 46240 SH
MICROSOFT CORP. COMMON STOCK 594918104 7924 87495 SH
MICROSOFT CORP. COMMON STOCK 594918104 922 10180 SH
MINN MINING & MANUFACTURING CO COMMON STOCK 604059105 616 6410 SH
MINN MINING & MANUFACTURING CO COMMON STOCK 604059105 829 8630 SH
MOBIL CORP COMMON STOCK 607059102 4378 43456 SH
MOBIL CORP COMMON STOCK 607059102 982 9750 SH
MONSANTO CO COMMON STOCK 611662107 234 6550 SH
MONSANTO CO COMMON STOCK 611662107 25 700 SH
J P MORGAN & CO COMMON STOCK 616880100 664 5809 SH
J P MORGAN & CO COMMON STOCK 616880100 137 1200 SH
MOTOROLA INC COMMON STOCK 620076109 173 1966 SH
MOTOROLA INC COMMON STOCK 620076109 167 1900 SH
FRANKLIN MUTUAL FUNDS - 628380107 334 16384 SH
NIKE INC COMMON STOCK 654106103 204 3580 SH
NIKE INC COMMON STOCK 654106103 9 150 SH
ORACLE CORP COMMON STOCK 68389X105 1599 35134 SH
ORACLE CORP COMMON STOCK 68389X105 27 600 SH
PEPSICO INC COMMON STOCK 713448108 5304 173901 SH
PEPSICO INC COMMON STOCK 713448108 2917 95638 SH
PFIZER INC COMMON STOCK 717081103 2681 74727 SH
PFIZER INC COMMON STOCK 717081103 1256 35010 SH
PHILIP MORRIS COS INC COMMON STOCK 718154107 345 10099 SH
PHILIP MORRIS COS INC COMMON STOCK 718154107 680 19892 SH
PITNEY BOWES INC COMMON STOCK 724479100 609 10000 SH
PITNEY BOWES INC COMMON STOCK 724479100 73 1200 SH
PRAXAIR, INC. COMMON STOCK 74005P104 763 16590 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 7078 75499 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 2703 28834 SH
PUTNAM NY TAX EXEMPT INCOME MUTUAL FUNDS - 74683Q309 61 7292 SH
PUTNAM NY TAX EXEMPT INCOME MUTUAL FUNDS - 74683Q309 185 22049 SH
ROYAL DUTCH PETROLEUM CO COMMON STOCK 780257804 886 14996 SH
ROYAL DUTCH PETROLEUM CO COMMON STOCK 780257804 662 11200 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 350 6861 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 274 5360 SH
SARA LEE CORP COMMON STOCK 803111103 732 31300 SH
SARA LEE CORP COMMON STOCK 803111103 414 17700 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 2205 35381 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 789 12664 SH
CHARLES SCHWAB CO. COMMON STOCK 808513105 4034 120650 SH
CHARLES SCHWAB CO. COMMON STOCK 808513105 133 3966 SH
SHERWIN-WILLIAMS CO COMMON STOCK 824348106 207 9875 SH
SHERWIN-WILLIAMS CO COMMON STOCK 824348106 29 1400 SH
SONOCO PRODUCTS COMMON STOCK 835495102 284 12430 SH
SONOCO PRODUCTS COMMON STOCK 835495102 13 577 SH
SOUTHWEST AIRLINES COMMON STOCK 844741108 162 10660 SH
STANLEY WORKS COMMON STOCK 854616109 802 31854 SH
STAPLES INC COMMON STOCK 855030102 2244 102878 SH
STAPLES INC COMMON STOCK 855030102 145 6660 SH
STARBUCKS CORP COMMON STOCK 855244109 491 19800 SH
STARBUCKS CORP COMMON STOCK 855244109 50 2000 SH
SUNTRUST BANKS INC COMMON STOCK 867914103 2077 31584 SH
TEMPLETON MUTUAL FUNDS - 880196209 3246 316680 SH
TEMPLETON MUTUAL FUNDS - 880196209 483 47095 SH
TEMPLETON MUTUAL FUNDS - 880196209 300 29231 SH
TEXACO INC COMMON STOCK 881694103 508 8046 SH
TEXACO INC COMMON STOCK 881694103 101 1600 SH
TYCO INTL LTD COMMON STOCK 902124106 1924 18636 SH
TYCO INTL LTD COMMON STOCK 902124106 516 4993 SH
UNILEVER NV COMMON STOCK 904784709 576 8455 SH
UNILEVER NV COMMON STOCK 904784709 327 4799 SH
U S WEST INC NEW COMMON STOCK 91273H101 432 7565 SH
U S WEST INC NEW COMMON STOCK 91273H101 213 3739 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 59 1000 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 285 4800 SH
WACHOVIA CORP. COMMON STOCK 929771103 935 11895 SH
WACHOVIA CORP. COMMON STOCK 929771103 497 6320 SH
WALMART STORES INC COMMON STOCK 931142103 207 4350 SH
WALMART STORES INC COMMON STOCK 931142103 133 2800 SH
WARNER LAMBERT CO COMMON STOCK 934488107 496 7480 SH
WARNER LAMBERT CO COMMON STOCK 934488107 183 2760 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 548 13840 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 8 200 SH
WISCONSIN ENERGY CORP COMMON STOCK 976657106 165 7040 SH
WISCONSIN ENERGY CORP COMMON STOCK 976657106 120 5100 SH
NAME OF ISSUER INVSTMT OTHER VOTING AUTHORITY
SECURITY NAME DISCRTN MANAGERS SOLE SHARED NONE
AT&T CORP SOLE 11651
AT&T CORP OTHER 4436
ABBOTT LABORATORIES SOLE 10880
ABBOTT LABORATORIES OTHER 8600
AIR PRODUCTS & CHEMICALS INC SOLE 27064
AIR PRODUCTS & CHEMICALS INC OTHER 7200
ALBERTSON'S INC SOLE 39375
ALBERTSON'S INC OTHER 3975
ALCOA INC SOLE 34555
ALCOA INC OTHER 2550
ALLIED-SIGNAL INC SOLE 1734
ALLIED-SIGNAL INC OTHER 3240
AMERICAN HOME PRODUCTS SOLE 54375
AMERICAN HOME PRODUCTS OTHER 2000
AMERICAN HOME PRODUCTS OTHER 53200
AMER INTL GROUP INC SOLE 47547
AMER INTL GROUP INC OTHER 7677
AMERITECH CORP SOLE 20257
AMERITECH CORP OTHER 3900
ANALOG DEVICES, INC. SOLE 4950
ANHEUSER BUSCH CO SOLE 13200
ANHEUSER BUSCH CO OTHER 740
ANHEUSER BUSCH CO OTHER 20400
ARROW SOLE 787022
ARROW OTHER 49612
ATLANTIC RICHFIELD CO SOLE 11612
ATLANTIC RICHFIELD CO OTHER 7582
AUTOMATIC DATA PROCESSING SOLE 74790
AUTOMATIC DATA PROCESSING OTHER 13480
BP AMOCO PLC SPON ADR SOLE 31337
BP AMOCO PLC SPON ADR OTHER 529
BP AMOCO PLC SPON ADR OTHER 18029
BANK OF NY CO INC SOLE 6000
BANK OF NY CO INC OTHER 11800
BANK ONE CORP SOLE 54541
BANK ONE CORP OTHER 16370
BANKNORTH GROUP, INC. SOLE 34836
BANKNORTH GROUP, INC. OTHER 10718
BAXTER INTL INC SOLE 4650
BAXTER INTL INC OTHER 3494
BELL ATLANTIC CORP SOLE 23936
BELL ATLANTIC CORP OTHER 11004
BELLSOUTH CORP SOLE 71514
BELLSOUTH CORP OTHER 22528
BESTFOODS INC SOLE 82859
BESTFOODS INC OTHER 12030
BITWISE DESIGNS INC SOLE 10000
BOEING COMPANY SOLE 6016
BOEING COMPANY OTHER 3150
BOSTON SCIENTIFIC CORP SOLE 9200
BRISTOL MYERS SQUIBB SOLE 137872
BRISTOL MYERS SQUIBB OTHER 40780
BURLINGTON RESOURCES INC SOLE 7550
BURLINGTON RESOURCES INC OTHER 2100
CARNIVAL CORP SOLE 12650
CARNIVAL CORP OTHER 2400
CELGENE CORP SOLE 10000
CHEVRON CORP SOLE 16971
CHEVRON CORP OTHER 5172
CISCO SYSTEMS SOLE 104852
CISCO SYSTEMS OTHER 11325
CITIGROUP INC SOLE 24177
CITIGROUP INC OTHER 655
COCA COLA CO. SOLE 3125
COCA COLA CO. OTHER 2278
COMPUTER SCIENCES CORP SOLE 14900
COMPUTER SCIENCES CORP OTHER 1100
CORNING INC SOLE 2400
CORNING INC OTHER 2600
WALT DISNEY CO. SOLE 103000
WALT DISNEY CO. OTHER 33975
DOVER CORP SOLE 17550
DOVER CORP OTHER 100
DOW CHEMICAL CO SOLE 300
DOW CHEMICAL CO OTHER 150
DOW CHEMICAL CO OTHER 1900
EI DUPONT DE NEMOURS & CO SOLE 59122
EI DUPONT DE NEMOURS & CO OTHER 17450
DUKE ENERGY CORP SOLE 36465
DUKE ENERGY CORP OTHER 5875
EMC CORP SOLE 26950
EMC CORP OTHER 3900
EASTMAN KODAK CO SOLE 3852
ELECTRONIC DATA SYSTEMS SOLE 2856
ELECTRONIC DATA SYSTEMS OTHER 1500
EMERSON ELECTRIC CO SOLE 7590
EMERSON ELECTRIC CO OTHER 11350
ENRON CORP SOLE 47780
ENRON CORP OTHER 16200
EXXON CORP SOLE 54994
EXXON CORP OTHER 23970
FED HOME LOAN MTG CORP SOLE 7600
FED NATL MORT ASSOC SOLE 57315
FED NATL MORT ASSOC OTHER 11960
FEDERATED FD US GOVT SECS INC SOLE 10009
FIDELITY SOLE 8703
FIDELITY SOLE 12131
FIDELITY SOLE 61950
FIDELITY SOLE 39412
FIDELITY SOLE 17440
FIDELITY SOLE 51190
FIDELITY ADV SOLE 10134
FIDELITY SOLE 19282
FIDELITY SOLE 13309
FIDELITY DEFINED 25390
FIDELITY OTHER 464
FIDELITY SOLE 18261
FIDELITY SOLE 17084
FIFTH THIRD BANCORP SOLE 5300
FIFTH THIRD BANCORP OTHER 337
FORTUNE BRANDS INC SOLE 13981
FRANKLIN SOLE 102538
FRANKLIN DEFINED 1407
FRANKLIN OTHER 593
FRONTIER CORP COM SOLE 4000
GTE CORP SOLE 13340
GTE CORP OTHER 8210
GALLAHER GROUP SOLE 12686
GAM SOLE 340885
GAM DEFINED 15378
GAM OTHER 489
GAM OTHER 21635
GANNETT COMPANY INC SOLE 1800
GANNETT COMPANY INC OTHER 1400
GAP, INC. SOLE 73585
GAP, INC. OTHER 15861
GENERAL ELECTRIC CO SOLE 153632
GENERAL ELECTRIC CO OTHER 1934
GENERAL ELECTRIC CO OTHER 72327
GILLETTE CO SOLE 35149
GILLETTE CO OTHER 550
GILLETTE CO OTHER 8604
HALLIBURTON CO SOLE 7700
HALLIBURTON CO OTHER 1100
HARLEY DAVIDSON INC SOLE 77322
HARLEY DAVIDSON INC OTHER 2575
HARTFORD LIFE, INC. SOLE 29175
HARTFORD LIFE, INC. OTHER 6700
H J HEINZ CO SOLE 8850
H J HEINZ CO OTHER 25500
HERCULES INC SOLE 9013
HEWLETT PACKARD CO SOLE 74515
HEWLETT PACKARD CO OTHER 31220
HOME DEPOT SOLE 45208
HOME DEPOT OTHER 11400
AXP NEW DIMENSIONS FUND SOLE 7791
ILLINOIS TOOL WORKS INC. SOLE 6980
ILLINOIS TOOL WORKS INC. OTHER 800
INTEL CORP SOLE 78810
INTEL CORP OTHER 41060
INTL BUSINESS MACHINES SOLE 26995
INTL BUSINESS MACHINES OTHER 7752
JACOBS ENGINEERING GROUP INC. SOLE 13550
JACOBS ENGINEERING GROUP INC. OTHER 8900
JANUS SOLE 5590
JANUS DEFINED 2245
JOHNSON & JOHNSON SOLE 79393
JOHNSON & JOHNSON OTHER 1600
JOHNSON & JOHNSON OTHER 34670
LIBERTY OTHER 18716
ELI LILLY & CO SOLE 3300
ELI LILLY & CO OTHER 2800
LUCENT TECHNOLOGIES INC SOLE 110030
LUCENT TECHNOLOGIES INC OTHER 30434
MBIA INC SOLE 6058
MBIA INC OTHER 1000
MCI WORLDCOM INC SOLE 19150
MCI WORLDCOM INC OTHER 1150
MCDONALDS CORP SOLE 18660
MCDONALDS CORP OTHER 1000
MCDONALDS CORP OTHER 18000
MEDTRONIC, INC SOLE 29870
MEDTRONIC, INC OTHER 400
MERCK & CO SOLE 78068
MERCK & CO OTHER 2600
MERCK & CO OTHER 43640
MICROSOFT CORP. SOLE 87495
MICROSOFT CORP. OTHER 10180
MINN MINING & MANUFACTURING CO SOLE 6410
MINN MINING & MANUFACTURING CO OTHER 8630
MOBIL CORP SOLE 43456
MOBIL CORP OTHER 9750
MONSANTO CO SOLE 6550
MONSANTO CO OTHER 700
J P MORGAN & CO SOLE 5809
J P MORGAN & CO OTHER 1200
MOTOROLA INC SOLE 1966
MOTOROLA INC OTHER 1900
FRANKLIN OTHER 16384
NIKE INC SOLE 3580
NIKE INC OTHER 150
ORACLE CORP SOLE 35134
ORACLE CORP OTHER 600
PEPSICO INC SOLE 173901
PEPSICO INC OTHER 2500
PEPSICO INC OTHER 93138
PFIZER INC SOLE 74727
PFIZER INC OTHER 35010
PHILIP MORRIS COS INC SOLE 10099
PHILIP MORRIS COS INC OTHER 792
PHILIP MORRIS COS INC OTHER 19100
PITNEY BOWES INC SOLE 10000
PITNEY BOWES INC OTHER 1200
PRAXAIR, INC. SOLE 16590
PROCTER & GAMBLE CO SOLE 75499
PROCTER & GAMBLE CO OTHER 800
PROCTER & GAMBLE CO OTHER 28034
PUTNAM NY TAX EXEMPT INCOME SOLE 7292
PUTNAM NY TAX EXEMPT INCOME OTHER 22049
ROYAL DUTCH PETROLEUM CO SOLE 14996
ROYAL DUTCH PETROLEUM CO OTHER 800
ROYAL DUTCH PETROLEUM CO OTHER 10400
SBC COMMUNICATIONS INC SOLE 6861
SBC COMMUNICATIONS INC OTHER 5360
SARA LEE CORP SOLE 31300
SARA LEE CORP OTHER 200
SARA LEE CORP OTHER 17500
SCHLUMBERGER LTD SOLE 35381
SCHLUMBERGER LTD OTHER 12664
CHARLES SCHWAB CO. SOLE 120650
CHARLES SCHWAB CO. OTHER 3966
SHERWIN-WILLIAMS CO SOLE 9875
SHERWIN-WILLIAMS CO OTHER 1400
SONOCO PRODUCTS SOLE 12430
SONOCO PRODUCTS OTHER 577
SOUTHWEST AIRLINES SOLE 10660
STANLEY WORKS SOLE 31854
STAPLES INC SOLE 102878
STAPLES INC OTHER 6660
STARBUCKS CORP SOLE 19800
STARBUCKS CORP OTHER 2000
SUNTRUST BANKS INC OTHER 31584
TEMPLETON SOLE 316680
TEMPLETON DEFINED 47095
TEMPLETON OTHER 29231
TEXACO INC SOLE 8046
TEXACO INC OTHER 1600
TYCO INTL LTD SOLE 18636
TYCO INTL LTD OTHER 523
TYCO INTL LTD OTHER 4470
UNILEVER NV SOLE 8455
UNILEVER NV OTHER 4799
U S WEST INC NEW SOLE 7565
U S WEST INC NEW OTHER 3739
UNITED TECHNOLOGIES CORP SOLE 1000
UNITED TECHNOLOGIES CORP OTHER 4800
WACHOVIA CORP. SOLE 11895
WACHOVIA CORP. OTHER 6320
WALMART STORES INC SOLE 4350
WALMART STORES INC OTHER 2800
WARNER LAMBERT CO SOLE 7480
WARNER LAMBERT CO OTHER 2760
WELLS FARGO & CO NEW SOLE 13840
WELLS FARGO & CO NEW OTHER 200
WISCONSIN ENERGY CORP SOLE 7040
WISCONSIN ENERGY CORP OTHER 5100
</TABLE>
