[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: 12/31/1999
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 01/11/2000
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: 241
Form 13F Information Table Value Total: $ 364,297
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 635 12491 SH
AT&T CORP COMMON STOCK 001957109 225 4436 SH
ABBOTT LABORATORIES COMMON STOCK 002824100 388 10680 SH
ABBOTT LABORATORIES COMMON STOCK 002824100 312 8600 SH
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 988 29444 SH
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 242 7200 SH
AIRBORNE FREIGHT CORP COMMON STOCK 009266107 220 10000 SH
AIRBORNE FREIGHT CORP COMMON STOCK 009266107 33 1500 SH
ALBERTSON'S INC COMMON STOCK 013104104 1625 50375 SH
ALBERTSON'S INC COMMON STOCK 013104104 181 5600 SH
ALCOA INC COMMON STOCK 013817101 2885 34755 SH
ALCOA INC COMMON STOCK 013817101 220 2650 SH
AMERICAN HOME PRODUCTS COMMON STOCK 026609107 1883 47975 SH
AMERICAN HOME PRODUCTS COMMON STOCK 026609107 1955 49800 SH
AMER INTL GROUP INC COMMON STOCK 026874107 5168 47801 SH
AMER INTL GROUP INC COMMON STOCK 026874107 830 7677 SH
ANALOG DEVICES, INC. COMMON STOCK 032654105 460 4950 SH
ANHEUSER BUSCH CO COMMON STOCK 035229103 921 13000 SH
ANHEUSER BUSCH CO COMMON STOCK 035229103 1498 21140 SH
ARROW COMMON STOCK 042744102 19303 993098 SH
ARROW COMMON STOCK 042744102 1087 55913 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 976 11287 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 656 7582 SH
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 4146 76965 SH
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 732 13580 SH
AUTOZONE INC COMMON STOCK 053332102 210 6500 SH
BCE INC FOREIGN STOCK 05534B109 361 4000 SH
BP AMOCO PLC SPON ADR COMMON STOCK 055622104 3700 62389 SH
BP AMOCO PLC SPON ADR COMMON STOCK 055622104 2192 36958 SH
BT MUTUAL FUNDS - 05576L874 13529 927930 SH
BT MUTUAL FUNDS - 05576L874 361 24742 SH
BANK OF NY CO INC COMMON STOCK 064057102 240 6000 SH
BANK OF NY CO INC COMMON STOCK 064057102 472 11800 SH
BANK ONE CORP COMMON STOCK 06423A103 1878 58674 SH
BANK ONE CORP COMMON STOCK 06423A103 524 16370 SH
BANKNORTH GROUP, INC. COMMON STOCK 06646L100 932 34836 SH
BANKNORTH GROUP, INC. COMMON STOCK 06646L100 287 10718 SH
BAXTER INTL INC COMMON STOCK 071813109 440 7000 SH
BAXTER INTL INC COMMON STOCK 071813109 219 3494 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 1446 23486 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 677 11004 SH
BELLSOUTH CORP COMMON STOCK 079860102 3327 71064 SH
BELLSOUTH CORP COMMON STOCK 079860102 1111 23728 SH
BESTFOODS INC COMMON STOCK 08658U101 4471 85052 SH
BESTFOODS INC COMMON STOCK 08658U101 632 12030 SH
BOEING COMPANY COMMON STOCK 097023105 249 6016 SH
BOEING COMPANY COMMON STOCK 097023105 106 2550 SH
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 8981 139922 SH
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 2624 40880 SH
BURLINGTON RESOURCES INC COMMON STOCK 122014103 504 15250 SH
BURLINGTON RESOURCES INC COMMON STOCK 122014103 139 4200 SH
CARNIVAL CORP COMMON STOCK 143658102 595 12450 SH
CARNIVAL CORP COMMON STOCK 143658102 115 2400 SH
CELGENE CORP COMMON STOCK 151020104 707 10100 SH
CHEVRON CORP COMMON STOCK 166751107 1498 17296 SH
CHEVRON CORP COMMON STOCK 166751107 444 5122 SH
CISCO SYSTEMS COMMON STOCK 17275R102 10268 95855 SH
CISCO SYSTEMS COMMON STOCK 17275R102 1269 11850 SH
CITIGROUP INC COMMON STOCK 172967101 1575 28282 SH
CITIGROUP INC COMMON STOCK 172967101 48 855 SH
COCA COLA CO. COMMON STOCK 191216100 144 2480 SH
COCA COLA CO. COMMON STOCK 191216100 133 2278 SH
COLGATE-PALMOLIVE CO COMMON STOCK 194162103 7 100 SH
COLGATE-PALMOLIVE CO COMMON STOCK 194162103 260 4000 SH
COMPUTER SCIENCES CORP COMMON STOCK 205363104 1423 15042 SH
COMPUTER SCIENCES CORP COMMON STOCK 205363104 104 1100 SH
CORNING INC COMMON STOCK 219350105 309 2400 SH
CORNING INC COMMON STOCK 219350105 335 2600 SH
WALT DISNEY COMPANY COMMON STOCK 254687106 3066 104825 SH
WALT DISNEY COMPANY COMMON STOCK 254687106 1000 34200 SH
DOVER CORP COMMON STOCK 260003108 1241 27350 SH
DOVER CORP COMMON STOCK 260003108 5 100 SH
DOW CHEMICAL CO COMMON STOCK 260543103 40 300 SH
DOW CHEMICAL CO COMMON STOCK 260543103 274 2050 SH
EI DUPONT DE NEMOURS & CO COMMON STOCK 263534109 3936 59747 SH
EI DUPONT DE NEMOURS & CO COMMON STOCK 263534109 1156 17550 SH
DUKE ENERGY CORP COMMON STOCK 264399106 1820 36300 SH
DUKE ENERGY CORP COMMON STOCK 264399106 254 5075 SH
EMC CORP COMMON STOCK 268648102 3178 29085 SH
EMC CORP COMMON STOCK 268648102 636 5825 SH
EASTMAN KODAK CO COMMON STOCK 277461109 255 3852 SH
EMERSON ELECTRIC CO COMMON STOCK 291011104 438 7640 SH
EMERSON ELECTRIC CO COMMON STOCK 291011104 651 11350 SH
ENRON CORP COMMON STOCK 293561106 2180 49130 SH
ENRON CORP COMMON STOCK 293561106 719 16200 SH
EQUITY INV FD MUTUAL FUNDS - 294711601 26 29872 SH
EXXON MOBIL CORP COMMON STOCK 30231G102 9059 112446 SH
EXXON MOBIL CORP COMMON STOCK 30231G102 2795 34692 SH
FED HOME LOAN MTG CORP COMMON STOCK 313400301 475 10100 SH
FED NATL MORT ASSOC COMMON STOCK 313586109 3625 58065 SH
FED NATL MORT ASSOC COMMON STOCK 313586109 772 12360 SH
FEDERATED FD US GOVT SECS INC MUTUAL FUNDS - 314182106 75 10009 SH
FEDERATED MUTUAL FUNDS - 314195306 153 14604 SH
FIDELITY MUTUAL FUNDS - 315805101 429 5872 SH
FIDELITY MUTUAL FUNDS - 315805812 907 44286 SH
FIDELITY MUTUAL FUNDS - 315807875 336 30201 SH
FIDELITY MUTUAL FUNDS - 315808105 315 11967 SH
FIDELITY MUTUAL FUNDS - 315809103 355 34738 SH
FIDELITY ADV MUTUAL FUNDS - 315916882 116 10044 SH
FIDELITY MUTUAL FUNDS - 316066109 416 13924 SH
FIDELITY MUTUAL FUNDS - 316071109 811 13514 SH
FIDELITY MUTUAL FUNDS - 316071109 1836 30590 SH
FIDELITY MUTUAL FUNDS - 316071109 28 464 SH
FIDELITY MUTUAL FUNDS - 316146109 130 18833 SH
FIDELITY MUTUAL FUNDS - 31617K303 111 11910 SH
FIDELITY MUTUAL FUNDS - 31617K709 113 10965 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 831 11325 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 25 337 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 462 13981 SH
FRANKLIN MUTUAL FUNDS - 354713109 4884 110680 SH
FRANKLIN MUTUAL FUNDS - 354713109 60 1360 SH
FRANKLIN MUTUAL FUNDS - 354713109 252 5712 SH
GTE CORP COMMON STOCK 362320103 945 13390 SH
GTE CORP COMMON STOCK 362320103 597 8460 SH
GALLAHER GROUP COMMON STOCK 363595109 185 12050 SH
GAM MUTUAL FUNDS - 364590109 439 13649 SH
GAM MUTUAL FUNDS - 364590109 496 15433 SH
GAM MUTUAL FUNDS - 364590109 609 18928 SH
GANNETT COMPANY INC COMMON STOCK 364730101 155 1900 SH
GANNETT COMPANY INC COMMON STOCK 364730101 114 1400 SH
GAP, INC. COMMON STOCK 364760108 3362 73085 SH
GAP, INC. COMMON STOCK 364760108 730 15861 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 22974 148456 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 11611 75030 SH
GILLETTE CO COMMON STOCK 375766102 1036 25150 SH
GILLETTE CO COMMON STOCK 375766102 323 7854 SH
HALLIBURTON CO COMMON STOCK 406216101 435 10800 SH
HALLIBURTON CO COMMON STOCK 406216101 113 2800 SH
HARLEY DAVIDSON INC COMMON STOCK 412822108 4499 70234 SH
HARLEY DAVIDSON INC COMMON STOCK 412822108 171 2675 SH
HARTFORD LIFE, INC. COMMON STOCK 416592103 1483 33715 SH
HARTFORD LIFE, INC. COMMON STOCK 416592103 350 7950 SH
H J HEINZ CO COMMON STOCK 423074103 352 8850 SH
H J HEINZ CO COMMON STOCK 423074103 1015 25500 SH
HERCULES INC COMMON STOCK 427056106 251 9013 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 8775 77140 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 3807 33470 SH
HOME DEPOT COMMON STOCK 437076102 4355 42233 SH
HOME DEPOT COMMON STOCK 437076102 1227 11900 SH
HONEYWELL INTL COMMON STOCK 438516106 187 3234 SH
HONEYWELL INTL COMMON STOCK 438516106 187 3240 SH
AXP NEW DIMENSIONS FUND MUTUAL FUNDS - 449444108 279 7791 SH
ILLINOIS TOOL WORKS INC. COMMON STOCK 452308109 472 6980 SH
ILLINOIS TOOL WORKS INC. COMMON STOCK 452308109 54 800 SH
INTEL CORP COMMON STOCK 458140100 6568 79791 SH
INTEL CORP COMMON STOCK 458140100 3361 40835 SH
INTL BUSINESS MACHINES COMMON STOCK 459200101 2915 27025 SH
INTL BUSINESS MACHINES COMMON STOCK 459200101 923 8552 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 305 6926 SH
JANUS MUTUAL FUNDS - 471023101 103 2339 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 7399 79348 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 3429 36770 SH
KIMBERLY-CLARK CORP COMMON STOCK 494368103 694 10610 SH
KIMBERLY-CLARK CORP COMMON STOCK 494368103 57 868 SH
LIBERTY MUTUAL FUNDS - 530545870 124 18716 SH
ELI LILLY & CO COMMON STOCK 532457108 219 3300 SH
ELI LILLY & CO COMMON STOCK 532457108 186 2800 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 8119 108252 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 2268 30234 SH
MBIA INC COMMON STOCK 55262C100 397 7508 SH
MBIA INC COMMON STOCK 55262C100 59 1125 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 1755 22050 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 92 1150 SH
MCDONALDS CORP COMMON STOCK 580135101 752 18660 SH
MCDONALDS CORP COMMON STOCK 580135101 766 19000 SH
MEDTRONIC, INC COMMON STOCK 585055106 1506 41320 SH
MEDTRONIC, INC COMMON STOCK 585055106 179 4900 SH
MERCK & CO COMMON STOCK 589331107 5290 78734 SH
MERCK & CO COMMON STOCK 589331107 3248 48340 SH
MICROSOFT CORP. COMMON STOCK 594918104 9798 83923 SH
MICROSOFT CORP. COMMON STOCK 594918104 1206 10330 SH
MINN MINING & MANUFACTURING CO COMMON STOCK 604059105 637 6510 SH
MINN MINING & MANUFACTURING CO COMMON STOCK 604059105 845 8630 SH
MONSANTO CO COMMON STOCK 611662107 255 7200 SH
MONSANTO CO COMMON STOCK 611662107 25 700 SH
J P MORGAN & CO COMMON STOCK 616880100 755 5959 SH
J P MORGAN & CO COMMON STOCK 616880100 152 1200 SH
MOTOROLA INC COMMON STOCK 620076109 296 2011 SH
MOTOROLA INC COMMON STOCK 620076109 280 1900 SH
FRANKLIN MUTUAL FUNDS - 628380107 335 16384 SH
ORACLE CORP COMMON STOCK 68389X105 3556 31733 SH
ORACLE CORP COMMON STOCK 68389X105 67 600 SH
PEPSICO INC COMMON STOCK 713448108 6201 175901 SH
PEPSICO INC COMMON STOCK 713448108 3343 94838 SH
PFIZER INC COMMON STOCK 717081103 2793 86112 SH
PFIZER INC COMMON STOCK 717081103 1140 35135 SH
PHILIP MORRIS COS INC COMMON STOCK 718154107 232 10099 SH
PHILIP MORRIS COS INC COMMON STOCK 718154107 458 19892 SH
PITNEY BOWES INC COMMON STOCK 724479100 290 6000 SH
PITNEY BOWES INC COMMON STOCK 724479100 58 1200 SH
PRAXAIR, INC. COMMON STOCK 74005P104 835 16590 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 8272 75497 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 3159 28834 SH
PUTNAM NY TAX EXEMPT INCOME MUTUAL FUNDS - 74683Q309 60 7292 SH
PUTNAM NY TAX EXEMPT INCOME MUTUAL FUNDS - 74683Q309 181 22049 SH
QUALCOMM INC COMMON STOCK 747525103 247 350 SH
ROYAL DUTCH PETROLEUM CO COMMON STOCK 780257804 908 14996 SH
ROYAL DUTCH PETROLEUM CO COMMON STOCK 780257804 678 11200 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 1650 33841 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 511 10490 SH
SARA LEE CORP COMMON STOCK 803111103 633 28700 SH
SARA LEE CORP COMMON STOCK 803111103 346 15700 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 2292 36460 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 821 13064 SH
CHARLES SCHWAB CO. COMMON STOCK 808513105 4536 118596 SH
CHARLES SCHWAB CO. COMMON STOCK 808513105 140 3666 SH
SONOCO PRODUCTS COMMON STOCK 835495102 283 12430 SH
SONOCO PRODUCTS COMMON STOCK 835495102 13 577 SH
SOUTHWEST AIRLINES COMMON STOCK 844741108 172 10660 SH
STANLEY WORKS COMMON STOCK 854616109 952 31600 SH
STAPLES INCORPORATED COMMON STOCK 855030102 2359 113698 SH
STAPLES INCORPORATED COMMON STOCK 855030102 203 9800 SH
STARBUCKS CORP COMMON STOCK 855244109 529 21800 SH
STARBUCKS CORP COMMON STOCK 855244109 49 2000 SH
SUNTRUST BANKS INC COMMON STOCK 867914103 2173 31584 SH
TEMPLETON MUTUAL FUNDS - 880196209 10 922 SH
TEMPLETON MUTUAL FUNDS - 880196209 511 45563 SH
TEMPLETON MUTUAL FUNDS - 880196209 234 20829 SH
TEXACO INC COMMON STOCK 881694103 487 8961 SH
TEXACO INC COMMON STOCK 881694103 109 2000 SH
TYCO INTL LTD COMMON STOCK 902124106 2191 56182 SH
TYCO INTL LTD COMMON STOCK 902124106 452 11586 SH
UNILEVER NV COMMON STOCK 904784709 460 8455 SH
UNILEVER NV COMMON STOCK 904784709 261 4799 SH
U S WEST INC NEW COMMON STOCK 91273H101 584 8115 SH
U S WEST INC NEW COMMON STOCK 91273H101 269 3739 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 65 1000 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 312 4800 SH
WACHOVIA CORP. COMMON STOCK 929771103 795 11695 SH
WACHOVIA CORP. COMMON STOCK 929771103 430 6320 SH
WALMART STORES INC COMMON STOCK 931142103 463 6695 SH
WALMART STORES INC COMMON STOCK 931142103 202 2925 SH
WARNER LAMBERT CO COMMON STOCK 934488107 613 7480 SH
WARNER LAMBERT CO COMMON STOCK 934488107 226 2760 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 559 13825 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 8 200 SH
WISCONSIN ENERGY CORP COMMON STOCK 976657106 136 7040 SH
WISCONSIN ENERGY CORP COMMON STOCK 976657106 94 4900 SH
GLOBAL CROSSING LTD COMMON STOCK G3921A100 410 8200 SH
NAME OF ISSUER INVSTMT OTHER VOTING AUTHORITY
SECURITY NAME DISCRTN MANAGERS SOLE SHARED NONE
AT&T CORP SOLE 12491
AT&T CORP OTHER 4436
ABBOTT LABORATORIES SOLE 10680
ABBOTT LABORATORIES OTHER 8600
AIR PRODUCTS & CHEMICALS INC SOLE 29444
AIR PRODUCTS & CHEMICALS INC OTHER 7200
AIRBORNE FREIGHT CORP SOLE 10000
AIRBORNE FREIGHT CORP OTHER 1500
ALBERTSON'S INC SOLE 50375
ALBERTSON'S INC OTHER 5600
ALCOA INC SOLE 34755
ALCOA INC OTHER 2650
AMERICAN HOME PRODUCTS SOLE 47975
AMERICAN HOME PRODUCTS OTHER 2000
AMERICAN HOME PRODUCTS OTHER 47800
AMER INTL GROUP INC SOLE 47801
AMER INTL GROUP INC OTHER 7677
ANALOG DEVICES, INC. SOLE 4950
ANHEUSER BUSCH CO SOLE 13000
ANHEUSER BUSCH CO OTHER 740
ANHEUSER BUSCH CO OTHER 20400
ARROW SOLE 993098
ARROW OTHER 55913
ATLANTIC RICHFIELD CO SOLE 11287
ATLANTIC RICHFIELD CO OTHER 7582
AUTOMATIC DATA PROCESSING SOLE 76965
AUTOMATIC DATA PROCESSING OTHER 13580
AUTOZONE INC SOLE 6500
BCE INC OTHER 4000
BP AMOCO PLC SPON ADR SOLE 62389
BP AMOCO PLC SPON ADR OTHER 1058
BP AMOCO PLC SPON ADR OTHER 35900
BT SOLE 927930
BT OTHER 1067
BT OTHER 23675
BANK OF NY CO INC SOLE 6000
BANK OF NY CO INC OTHER 11800
BANK ONE CORP SOLE 58674
BANK ONE CORP OTHER 16370
BANKNORTH GROUP, INC. SOLE 34836
BANKNORTH GROUP, INC. OTHER 10718
BAXTER INTL INC SOLE 7000
BAXTER INTL INC OTHER 3494
BELL ATLANTIC CORP SOLE 23486
BELL ATLANTIC CORP OTHER 11004
BELLSOUTH CORP SOLE 71064
BELLSOUTH CORP OTHER 23728
BESTFOODS INC SOLE 85052
BESTFOODS INC OTHER 12030
BOEING COMPANY SOLE 6016
BOEING COMPANY OTHER 2550
BRISTOL MYERS SQUIBB SOLE 139922
BRISTOL MYERS SQUIBB OTHER 40880
BURLINGTON RESOURCES INC SOLE 15250
BURLINGTON RESOURCES INC OTHER 4200
CARNIVAL CORP SOLE 12450
CARNIVAL CORP OTHER 2400
CELGENE CORP SOLE 10100
CHEVRON CORP SOLE 17296
CHEVRON CORP OTHER 5122
CISCO SYSTEMS SOLE 95855
CISCO SYSTEMS OTHER 11850
CITIGROUP INC SOLE 28282
CITIGROUP INC OTHER 855
COCA COLA CO. SOLE 2480
COCA COLA CO. OTHER 2278
COLGATE-PALMOLIVE CO SOLE 100
COLGATE-PALMOLIVE CO OTHER 4000
COMPUTER SCIENCES CORP SOLE 15042
COMPUTER SCIENCES CORP OTHER 1100
CORNING INC SOLE 2400
CORNING INC OTHER 2600
WALT DISNEY COMPANY SOLE 104825
WALT DISNEY COMPANY OTHER 34200
DOVER CORP SOLE 27350
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 59747
EI DUPONT DE NEMOURS & CO OTHER 17550
DUKE ENERGY CORP SOLE 36300
DUKE ENERGY CORP OTHER 5075
EMC CORP SOLE 29085
EMC CORP OTHER 5825
EASTMAN KODAK CO SOLE 3852
EMERSON ELECTRIC CO SOLE 7640
EMERSON ELECTRIC CO OTHER 11350
ENRON CORP SOLE 49130
ENRON CORP OTHER 16200
EQUITY INV FD SOLE 29872
EXXON MOBIL CORP SOLE 112446
EXXON MOBIL CORP OTHER 34692
FED HOME LOAN MTG CORP SOLE 10100
FED NATL MORT ASSOC SOLE 58065
FED NATL MORT ASSOC OTHER 12360
FEDERATED FD US GOVT SECS INC SOLE 10009
FEDERATED SOLE 14604
FIDELITY SOLE 5872
FIDELITY SOLE 44286
FIDELITY SOLE 30201
FIDELITY SOLE 11967
FIDELITY SOLE 34738
FIDELITY ADV SOLE 10044
FIDELITY SOLE 13924
FIDELITY SOLE 13514
FIDELITY DEFINED 30590
FIDELITY OTHER 464
FIDELITY SOLE 18833
FIDELITY SOLE 11910
FIDELITY SOLE 10965
FIFTH THIRD BANCORP SOLE 11325
FIFTH THIRD BANCORP OTHER 337
FORTUNE BRANDS INC SOLE 13981
FRANKLIN SOLE 110680
FRANKLIN DEFINED 1360
FRANKLIN OTHER 5712
GTE CORP SOLE 13390
GTE CORP OTHER 8460
GALLAHER GROUP SOLE 12050
GAM SOLE 13649
GAM DEFINED 15433
GAM OTHER 18928
GANNETT COMPANY INC SOLE 1900
GANNETT COMPANY INC OTHER 1400
GAP, INC. SOLE 73085
GAP, INC. OTHER 15861
GENERAL ELECTRIC CO SOLE 148456
GENERAL ELECTRIC CO OTHER 1934
GENERAL ELECTRIC CO OTHER 73096
GILLETTE CO SOLE 25150
GILLETTE CO OTHER 550
GILLETTE CO OTHER 7304
HALLIBURTON CO SOLE 10800
HALLIBURTON CO OTHER 2800
HARLEY DAVIDSON INC SOLE 70234
HARLEY DAVIDSON INC OTHER 2675
HARTFORD LIFE, INC. SOLE 33715
HARTFORD LIFE, INC. OTHER 7950
H J HEINZ CO SOLE 8850
H J HEINZ CO OTHER 25500
HERCULES INC SOLE 9013
HEWLETT PACKARD CO SOLE 77140
HEWLETT PACKARD CO OTHER 33470
HOME DEPOT SOLE 42233
HOME DEPOT OTHER 11900
HONEYWELL INTL SOLE 3234
HONEYWELL INTL OTHER 3240
AXP NEW DIMENSIONS FUND SOLE 7791
ILLINOIS TOOL WORKS INC. SOLE 6980
ILLINOIS TOOL WORKS INC. OTHER 800
INTEL CORP SOLE 79791
INTEL CORP OTHER 40835
INTL BUSINESS MACHINES SOLE 27025
INTL BUSINESS MACHINES OTHER 8552
JACOBS ENGINEERING GROUP INC. SOLE 13550
JACOBS ENGINEERING GROUP INC. OTHER 8900
JANUS SOLE 6926
JANUS DEFINED 2339
JOHNSON & JOHNSON SOLE 79348
JOHNSON & JOHNSON OTHER 1600
JOHNSON & JOHNSON OTHER 35170
KIMBERLY-CLARK CORP SOLE 10610
KIMBERLY-CLARK CORP OTHER 868
LIBERTY OTHER 18716
ELI LILLY & CO SOLE 3300
ELI LILLY & CO OTHER 2800
LUCENT TECHNOLOGIES INC SOLE 108252
LUCENT TECHNOLOGIES INC OTHER 30234
MBIA INC SOLE 7508
MBIA INC OTHER 1125
MCI WORLDCOM INC SOLE 22050
MCI WORLDCOM INC OTHER 1150
MCDONALDS CORP SOLE 18660
MCDONALDS CORP OTHER 1000
MCDONALDS CORP OTHER 18000
MEDTRONIC, INC SOLE 41320
MEDTRONIC, INC OTHER 4900
MERCK & CO SOLE 78734
MERCK & CO OTHER 2600
MERCK & CO OTHER 45740
MICROSOFT CORP. SOLE 83923
MICROSOFT CORP. OTHER 10330
MINN MINING & MANUFACTURING CO SOLE 6510
MINN MINING & MANUFACTURING CO OTHER 8630
MONSANTO CO SOLE 7200
MONSANTO CO OTHER 700
J P MORGAN & CO SOLE 5959
J P MORGAN & CO OTHER 1200
MOTOROLA INC SOLE 2011
MOTOROLA INC OTHER 1900
FRANKLIN OTHER 16384
ORACLE CORP SOLE 31733
ORACLE CORP OTHER 600
PEPSICO INC SOLE 175901
PEPSICO INC OTHER 2500
PEPSICO INC OTHER 92338
PFIZER INC SOLE 86112
PFIZER INC OTHER 35135
PHILIP MORRIS COS INC SOLE 10099
PHILIP MORRIS COS INC OTHER 792
PHILIP MORRIS COS INC OTHER 19100
PITNEY BOWES INC SOLE 6000
PITNEY BOWES INC OTHER 1200
PRAXAIR, INC. SOLE 16590
PROCTER & GAMBLE CO SOLE 75497
PROCTER & GAMBLE CO OTHER 800
PROCTER & GAMBLE CO OTHER 28034
PUTNAM NY TAX EXEMPT INCOME SOLE 7292
PUTNAM NY TAX EXEMPT INCOME OTHER 22049
QUALCOMM INC SOLE 350
ROYAL DUTCH PETROLEUM CO SOLE 14996
ROYAL DUTCH PETROLEUM CO OTHER 800
ROYAL DUTCH PETROLEUM CO OTHER 10400
SBC COMMUNICATIONS INC SOLE 33841
SBC COMMUNICATIONS INC OTHER 10490
SARA LEE CORP SOLE 28700
SARA LEE CORP OTHER 200
SARA LEE CORP OTHER 15500
SCHLUMBERGER LTD SOLE 36460
SCHLUMBERGER LTD OTHER 13064
CHARLES SCHWAB CO. SOLE 118596
CHARLES SCHWAB CO. OTHER 3666
SONOCO PRODUCTS SOLE 12430
SONOCO PRODUCTS OTHER 577
SOUTHWEST AIRLINES SOLE 10660
STANLEY WORKS SOLE 31600
STAPLES INCORPORATED SOLE 113698
STAPLES INCORPORATED OTHER 9800
STARBUCKS CORP SOLE 21800
STARBUCKS CORP OTHER 2000
SUNTRUST BANKS INC OTHER 31584
TEMPLETON SOLE 922
TEMPLETON DEFINED 45563
TEMPLETON OTHER 20829
TEXACO INC SOLE 8961
TEXACO INC OTHER 2000
TYCO INTL LTD SOLE 56182
TYCO INTL LTD OTHER 1046
TYCO INTL LTD OTHER 10540
UNILEVER NV SOLE 8455
UNILEVER NV OTHER 4799
U S WEST INC NEW SOLE 8115
U S WEST INC NEW OTHER 3739
UNITED TECHNOLOGIES CORP SOLE 1000
UNITED TECHNOLOGIES CORP OTHER 4800
WACHOVIA CORP. SOLE 11695
WACHOVIA CORP. OTHER 6320
WALMART STORES INC SOLE 6695
WALMART STORES INC OTHER 2925
WARNER LAMBERT CO SOLE 7480
WARNER LAMBERT CO OTHER 2760
WELLS FARGO & CO NEW SOLE 13825
WELLS FARGO & CO NEW OTHER 200
WISCONSIN ENERGY CORP SOLE 7040
WISCONSIN ENERGY CORP OTHER 4900
GLOBAL CROSSING LTD SOLE 8200
</TABLE>
