[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: 06/30/2000
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: 518-745-1000
Signature, Place, and Date of Signing:
1 Glens Falls, NY 07/20/2000
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: 266
Form 13F Information Table Value Total: $ 376,781
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 393 12426 SH
AT&T CORP COMMON STOCK 001957109 153 4848 SH
ABBOTT LABORATORIES COMMON STOCK 002824100 468 10500 SH
ABBOTT LABORATORIES COMMON STOCK 002824100 383 8600 SH
AGILENT TECHNOLOGIES COMMON STOCK 00846U101 2097 28435 SH
AGILENT TECHNOLOGIES COMMON STOCK 00846U101 71 963 SH
AGILENT TECHNOLOGIES COMMON STOCK 00846U101 883 11976 SH
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 1009 32744 SH
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 222 7200 SH
ALBERTSON'S INC COMMON STOCK 013104104 1091 32825 SH
ALBERTSON'S INC COMMON STOCK 013104104 33 1000 SH
ALBERTSON'S INC COMMON STOCK 013104104 20 600 SH
ALCOA INC COMMON STOCK 013817101 2283 78710 SH
ALCOA INC COMMON STOCK 013817101 177 6100 SH
AMERICAN HOME PRODUCTS COMMON STOCK 026609107 2625 44675 SH
AMERICAN HOME PRODUCTS COMMON STOCK 026609107 2503 42600 SH
AMER INTL GROUP INC COMMON STOCK 026874107 5664 48201 SH
AMER INTL GROUP INC COMMON STOCK 026874107 833 7089 SH
ANALOG DEVICES, INC. COMMON STOCK 032654105 752 9900 SH
ANHEUSER BUSCH CO COMMON STOCK 035229103 926 12400 SH
ANHEUSER BUSCH CO COMMON STOCK 035229103 1579 21140 SH
ARROW COMMON STOCK 042744102 14933 995534 SH
ARROW COMMON STOCK 042744102 779 51914 SH
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 4233 79035 SH
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 64 1200 SH
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 719 13425 SH
BP AMOCO PLC SPON ADR COMMON STOCK 055622104 4688 82879 SH
BP AMOCO PLC SPON ADR COMMON STOCK 055622104 2638 46646 SH
BT MUTUAL FUNDS - 05576L874 16412 1178171 SH
BT MUTUAL FUNDS - 05576L874 902 64787 SH
BT MUTUAL FUNDS - 05576L874 882 63323 SH
BANK OF NY CO INC COMMON STOCK 064057102 549 11800 SH
BANK ONE CORP COMMON STOCK 06423A103 1193 44899 SH
BANK ONE CORP COMMON STOCK 06423A103 44 1650 SH
BANK ONE CORP COMMON STOCK 06423A103 339 12754 SH
BANKNORTH GROUP INC NEW COMMON STOCK 06646R107 973 63572 SH
BANKNORTH GROUP INC NEW COMMON STOCK 06646R107 269 17560 SH
BAXTER INTL INC COMMON STOCK 071813109 1030 14650 SH
BAXTER INTL INC COMMON STOCK 071813109 332 4719 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 1213 23875 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 75 1469 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 562 11052 SH
BELLSOUTH CORP COMMON STOCK 079860102 2895 67914 SH
BELLSOUTH CORP COMMON STOCK 079860102 49 1140 SH
BELLSOUTH CORP COMMON STOCK 079860102 1007 23636 SH
BESTFOODS INC COMMON STOCK 08658U101 5527 79813 SH
BESTFOODS INC COMMON STOCK 08658U101 977 14105 SH
BOEING COMPANY COMMON STOCK 097023105 203 4866 SH
BOEING COMPANY COMMON STOCK 097023105 90 2150 SH
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 8086 138812 SH
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 2343 40230 SH
BURLINGTON RESOURCES INC COMMON STOCK 122014103 790 20650 SH
BURLINGTON RESOURCES INC COMMON STOCK 122014103 178 4650 SH
CARNIVAL CORP COMMON STOCK 143658102 237 12150 SH
CARNIVAL CORP COMMON STOCK 143658102 27 1400 SH
CELGENE CORP COMMON STOCK 151020104 1178 20000 SH
CHEVRON CORP COMMON STOCK 166751107 1412 16646 SH
CHEVRON CORP COMMON STOCK 166751107 443 5222 SH
CISCO SYSTEMS COMMON STOCK 17275R102 11073 174201 SH
CISCO SYSTEMS COMMON STOCK 17275R102 127 2000 SH
CISCO SYSTEMS COMMON STOCK 17275R102 1697 26700 SH
CITIGROUP INC COMMON STOCK 172967101 1970 32702 SH
CITIGROUP INC COMMON STOCK 172967101 152 2530 SH
COCA COLA CO. COMMON STOCK 191216100 128 2230 SH
COCA COLA CO. COMMON STOCK 191216100 148 2578 SH
COLGATE-PALMOLIVE CO COMMON STOCK 194162103 12 200 SH
COLGATE-PALMOLIVE CO COMMON STOCK 194162103 240 4000 SH
COMPUTER SCIENCES CORP COMMON STOCK 205363104 1331 17817 SH
COMPUTER SCIENCES CORP COMMON STOCK 205363104 97 1300 SH
CONVERGYS CORP COMMON STOCK 212485106 208 4000 SH
CORNING INC COMMON STOCK 219350105 648 2400 SH
CORNING INC COMMON STOCK 219350105 702 2600 SH
WALT DISNEY COMPANY COMMON STOCK 254687106 4231 109004 SH
WALT DISNEY COMPANY COMMON STOCK 254687106 194 5000 SH
WALT DISNEY COMPANY COMMON STOCK 254687106 1001 25800 SH
DOVER CORP COMMON STOCK 260003108 1245 30700 SH
DOVER CORP COMMON STOCK 260003108 22 550 SH
DOW CHEMICAL CO COMMON STOCK 260543103 36 1200 SH
DOW CHEMICAL CO COMMON STOCK 260543103 177 5850 SH
EI DUPONT DE NEMOURS & CO COMMON STOCK 263534109 2936 67102 SH
EI DUPONT DE NEMOURS & CO COMMON STOCK 263534109 114 2600 SH
EI DUPONT DE NEMOURS & CO COMMON STOCK 263534109 753 17200 SH
DUKE ENERGY CORP COMMON STOCK 264399106 2031 36025 SH
DUKE ENERGY CORP COMMON STOCK 264399106 158 2800 SH
DUKE ENERGY CORP COMMON STOCK 264399106 138 2450 SH
EMC CORP COMMON STOCK 268648102 5776 75070 SH
EMC CORP COMMON STOCK 268648102 154 2000 SH
EMC CORP COMMON STOCK 268648102 1004 13050 SH
EASTMAN KODAK CO COMMON STOCK 277461109 229 3852 SH
EMERSON ELECTRIC CO COMMON STOCK 291011104 405 6700 SH
EMERSON ELECTRIC CO COMMON STOCK 291011104 685 11350 SH
ENRON CORP COMMON STOCK 293561106 2743 42530 SH
ENRON CORP COMMON STOCK 293561106 1006 15600 SH
EXXON MOBIL CORP COMMON STOCK 30231G102 8523 108577 SH
EXXON MOBIL CORP COMMON STOCK 30231G102 394 5017 SH
EXXON MOBIL CORP COMMON STOCK 30231G102 2552 32504 SH
FED HOME LOAN MTG CORP COMMON STOCK 313400301 466 11500 SH
FED NATL MORT ASSOC COMMON STOCK 313586109 3072 58870 SH
FED NATL MORT ASSOC COMMON STOCK 313586109 609 11660 SH
FEDERATED FD US GOVT SECS INC MUTUAL FUNDS - 314182106 75 10009 SH
FIDELITY MUTUAL FUNDS - 315807875 134 13145 SH
FIDELITY MUTUAL FUNDS - 316071109 885 15327 SH
FIDELITY MUTUAL FUNDS - 316071109 1546 26770 SH
FIDELITY MUTUAL FUNDS - 316071109 24 413 SH
FIDELITY MUTUAL FUNDS - 316146109 137 19858 SH
FIDELITY MUTUAL FUNDS - 316200203 250 4190 SH
FIDELITY MUTUAL FUNDS - 316200203 134 2250 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 818 12935 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 40 637 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 308 13345 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 15 636 SH
FRANKLIN MUTUAL FUNDS - 354713109 9753 198758 SH
FRANKLIN MUTUAL FUNDS - 354713109 1206 24567 SH
FRANKLIN MUTUAL FUNDS - 354713109 387 7891 SH
GTE CORP COMMON STOCK 362320103 795 12767 SH
GTE CORP COMMON STOCK 362320103 9 138 SH
GTE CORP COMMON STOCK 362320103 496 7960 SH
GAP, INC. COMMON STOCK 364760108 2236 71544 SH
GAP, INC. COMMON STOCK 364760108 496 15861 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 21501 405681 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 289 5460 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 10648 200910 SH
GILLETTE CO COMMON STOCK 375766102 431 12350 SH
GILLETTE CO COMMON STOCK 375766102 274 7854 SH
HALLIBURTON CO COMMON STOCK 406216101 637 13500 SH
HALLIBURTON CO COMMON STOCK 406216101 132 2800 SH
HARLEY DAVIDSON INC COMMON STOCK 412822108 4462 115904 SH
HARLEY DAVIDSON INC COMMON STOCK 412822108 252 6550 SH
HARTFORD LIFE, INC. COMMON STOCK 416592103 571 11315 SH
HARTFORD LIFE, INC. COMMON STOCK 416592103 534 10575 SH
H J HEINZ CO COMMON STOCK 423074103 370 8450 SH
H J HEINZ CO COMMON STOCK 423074103 1109 25350 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 9330 74715 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 315 2525 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 3927 31445 SH
HOME DEPOT COMMON STOCK 437076102 3298 66048 SH
HOME DEPOT COMMON STOCK 437076102 840 16825 SH
HONEYWELL INTL COMMON STOCK 438516106 109 3234 SH
HONEYWELL INTL COMMON STOCK 438516106 109 3240 SH
AXP NEW DIMENSIONS FUND MUTUAL FUNDS - 449444108 287 7791 SH
ILLINOIS TOOL WORKS INC. COMMON STOCK 452308109 398 6980 SH
ILLINOIS TOOL WORKS INC. COMMON STOCK 452308109 46 800 SH
INTEL CORP COMMON STOCK 458140100 10810 80861 SH
INTEL CORP COMMON STOCK 458140100 401 3000 SH
INTEL CORP COMMON STOCK 458140100 4470 33435 SH
INTL BUSINESS MACHINES COMMON STOCK 459200101 2913 26590 SH
INTL BUSINESS MACHINES COMMON STOCK 459200101 25 231 SH
INTL BUSINESS MACHINES COMMON STOCK 459200101 857 7819 SH
JDS UNIPHASE CORP COMMON STOCK 46612J101 1501 12525 SH
JDS UNIPHASE CORP COMMON STOCK 46612J101 69 575 SH
JACOBS ENGINEERING GROUP INC. COMMON STOCK 469814107 394 12050 SH
JACOBS ENGINEERING GROUP INC. COMMON STOCK 469814107 62 1900 SH
JANUS MUTUAL FUNDS - 471023101 792 17440 SH
JANUS MUTUAL FUNDS - 471023101 122 2696 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 7962 78157 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 245 2400 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 3458 33945 SH
KIMBERLY-CLARK CORP COMMON STOCK 494368103 1507 26268 SH
KIMBERLY-CLARK CORP COMMON STOCK 494368103 92 1600 SH
LIBERTY MUTUAL FUNDS - 530545870 118 18716 SH
ELI LILLY & CO COMMON STOCK 532457108 414 4150 SH
ELI LILLY & CO COMMON STOCK 532457108 280 2800 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 5557 93793 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 267 4506 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 1553 26218 SH
MBIA INC COMMON STOCK 55262C100 459 9533 SH
MBIA INC COMMON STOCK 55262C100 70 1450 SH
MCDONALDS CORP COMMON STOCK 580135101 374 11360 SH
MCDONALDS CORP COMMON STOCK 580135101 461 14000 SH
MEDTRONIC, INC COMMON STOCK 585055106 1867 37475 SH
MEDTRONIC, INC COMMON STOCK 585055106 174 3500 SH
MEDTRONIC, INC COMMON STOCK 585055106 194 3895 SH
MERCK & CO COMMON STOCK 589331107 5939 77508 SH
MERCK & CO COMMON STOCK 589331107 123 1600 SH
MERCK & CO COMMON STOCK 589331107 3463 45190 SH
MICROSOFT CORP. COMMON STOCK 594918104 6039 75483 SH
MICROSOFT CORP. COMMON STOCK 594918104 1106 13830 SH
MINN MINING & MANUFACTURING CO COMMON STOCK 604059105 522 6330 SH
MINN MINING & MANUFACTURING CO COMMON STOCK 604059105 165 2000 SH
MINN MINING & MANUFACTURING CO COMMON STOCK 604059105 497 6030 SH
J P MORGAN & CO COMMON STOCK 616880100 636 5779 SH
J P MORGAN & CO COMMON STOCK 616880100 149 1350 SH
MOTOROLA INC COMMON STOCK 620076109 444 15283 SH
MOTOROLA INC COMMON STOCK 620076109 166 5700 SH
FRANKLIN MUTUAL FUNDS - 628380107 312 16384 SH
NEXTEL COMMUNICATIONS COMMON STOCK 65332V103 1197 19565 SH
NEXTEL COMMUNICATIONS COMMON STOCK 65332V103 21 350 SH
NOKIA CORP COMMON STOCK 654902204 286 5720 SH
NORTEL NWKS CORP HLD COMMON STOCK 656568102 1670 24475 SH
NORTEL NWKS CORP HLD COMMON STOCK 656568102 446 6531 SH
NORTHERN TRUST MUTUAL FUNDS - 665162798 244 4334 SH
NORTHERN TRUST MUTUAL FUNDS - 665162798 76 1352 SH
NORTHERN TRUST MUTUAL FUNDS - 665162798 10 169 SH
NUCOR CORP COMMON STOCK 670346105 214 6450 SH
NUCOR CORP COMMON STOCK 670346105 7 225 SH
ORACLE CORP COMMON STOCK 68389X105 5176 61569 SH
ORACLE CORP COMMON STOCK 68389X105 328 3900 SH
PEPSICO INC COMMON STOCK 713448108 7752 174451 SH
PEPSICO INC COMMON STOCK 713448108 240 5400 SH
PEPSICO INC COMMON STOCK 713448108 3926 88342 SH
PFIZER INC COMMON STOCK 717081103 5954 124032 SH
PFIZER INC COMMON STOCK 717081103 1789 37265 SH
PHARMACIA CORP COMMON STOCK 71713U102 324 6270 SH
PHARMACIA CORP COMMON STOCK 71713U102 36 700 SH
PHILIP MORRIS COS INC COMMON STOCK 718154107 236 8899 SH
PHILIP MORRIS COS INC COMMON STOCK 718154107 507 19100 SH
PITNEY BOWES INC COMMON STOCK 724479100 228 5700 SH
PITNEY BOWES INC COMMON STOCK 724479100 88 2200 SH
PRAXAIR, INC. COMMON STOCK 74005P104 618 16500 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 3272 57146 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 120 2100 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 1387 24234 SH
PUTNAM NY TAX EXEMPT INCOME MUTUAL FUNDS - 74683Q309 61 7292 SH
PUTNAM NY TAX EXEMPT INCOME MUTUAL FUNDS - 74683Q309 184 22049 SH
ROYAL DUTCH PETROLEUM CO COMMON STOCK 780257804 929 15096 SH
ROYAL DUTCH PETROLEUM CO COMMON STOCK 780257804 690 11200 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 1355 31319 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 258 5968 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 313 7246 SH
SARA LEE CORP COMMON STOCK 803111103 622 32200 SH
SARA LEE CORP COMMON STOCK 803111103 116 6000 SH
SARA LEE CORP COMMON STOCK 803111103 303 15700 SH
SCHERING PLOUGH CORP COMMON STOCK 806605101 122 2420 SH
SCHERING PLOUGH CORP COMMON STOCK 806605101 81 1600 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 2691 36060 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 194 2600 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 700 9375 SH
CHARLES SCHWAB CO. COMMON STOCK 808513105 5480 162964 SH
CHARLES SCHWAB CO. COMMON STOCK 808513105 185 5499 SH
SONOCO PRODUCTS COMMON STOCK 835495102 256 12430 SH
STANLEY WORKS COMMON STOCK 854616109 713 30000 SH
STAPLES INCORPORATED COMMON STOCK 855030102 993 64563 SH
STAPLES INCORPORATED COMMON STOCK 855030102 143 9300 SH
STARBUCKS CORP COMMON STOCK 855244109 706 18500 SH
STARBUCKS CORP COMMON STOCK 855244109 76 2000 SH
SUN MICROSYSTEMS COMMON STOCK 866810104 1175 12925 SH
SUN MICROSYSTEMS COMMON STOCK 866810104 32 350 SH
SUNTRUST BANKS INC COMMON STOCK 867914103 9 200 SH
SUNTRUST BANKS INC COMMON STOCK 867914103 1443 31584 SH
TEMPLETON MUTUAL FUNDS - 880196209 540 50672 SH
TEMPLETON MUTUAL FUNDS - 880196209 54 5076 SH
TEXACO INC COMMON STOCK 881694103 1163 21834 SH
TEXACO INC COMMON STOCK 881694103 1 22 SH
TEXACO INC COMMON STOCK 881694103 124 2325 SH
TYCO INTL LTD COMMON STOCK 902124106 2831 59757 SH
TYCO INTL LTD COMMON STOCK 902124106 573 12086 SH
UNILEVER NV COMMON STOCK 904784709 266 6181 SH
UNILEVER NV COMMON STOCK 904784709 201 4685 SH
U S WEST INC NEW COMMON STOCK 91273H101 675 7875 SH
U S WEST INC NEW COMMON STOCK 91273H101 325 3789 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 59 1000 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 283 4800 SH
WACHOVIA CORP. COMMON STOCK 929771103 622 11470 SH
WACHOVIA CORP. COMMON STOCK 929771103 332 6120 SH
WALMART STORES INC COMMON STOCK 931142103 1211 21015 SH
WALMART STORES INC COMMON STOCK 931142103 194 3360 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 1125 29025 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 13 325 SH
WISCONSIN ENERGY CORP COMMON STOCK 976657106 119 5990 SH
WISCONSIN ENERGY CORP COMMON STOCK 976657106 97 4900 SH
WORLDCOM INC COMMON STOCK 98157D106 879 19151 SH
WORLDCOM INC COMMON STOCK 98157D106 154 3362 SH
GLOBAL CROSSING LTD COMMON STOCK G3921A100 216 8200 SH
TRANSOCEAN SEDCO FOREX INC COMMON STOCK G90078109 367 6873 SH
TRANSOCEAN SEDCO FOREX INC COMMON STOCK G90078109 27 503 SH
TRANSOCEAN SEDCO FOREX INC COMMON STOCK G90078109 83 1554 SH
NAME OF ISSUER INVSTMT OTHER VOTING AUTHORITY
SECURITY NAME DISCRTN MANAGERS SOLE SHARED NONE
AT&T CORP SOLE 12426
AT&T CORP OTHER 4848
ABBOTT LABORATORIES SOLE 10500
ABBOTT LABORATORIES OTHER 8600
AGILENT TECHNOLOGIES SOLE 28435
AGILENT TECHNOLOGIES DEFINED 963
AGILENT TECHNOLOGIES OTHER 11976
AIR PRODUCTS & CHEMICALS INC SOLE 32744
AIR PRODUCTS & CHEMICALS INC OTHER 7200
ALBERTSON'S INC SOLE 32825
ALBERTSON'S INC DEFINED 1000
ALBERTSON'S INC OTHER 600
ALCOA INC SOLE 78710
ALCOA INC OTHER 6100
AMERICAN HOME PRODUCTS SOLE 44675
AMERICAN HOME PRODUCTS OTHER 2000
AMERICAN HOME PRODUCTS OTHER 40600
AMER INTL GROUP INC SOLE 48201
AMER INTL GROUP INC OTHER 7089
ANALOG DEVICES, INC. SOLE 9900
ANHEUSER BUSCH CO SOLE 12400
ANHEUSER BUSCH CO OTHER 740
ANHEUSER BUSCH CO OTHER 20400
ARROW SOLE 995534
ARROW OTHER 51914
AUTOMATIC DATA PROCESSING SOLE 79035
AUTOMATIC DATA PROCESSING DEFINED 1200
AUTOMATIC DATA PROCESSING OTHER 13425
BP AMOCO PLC SPON ADR SOLE 82879
BP AMOCO PLC SPON ADR OTHER 1058
BP AMOCO PLC SPON ADR OTHER 45588
BT SOLE 1178171
BT DEFINED 64787
BT OTHER 1067
BT OTHER 62256
BANK OF NY CO INC DEFINED 11800
BANK ONE CORP SOLE 44899
BANK ONE CORP DEFINED 1650
BANK ONE CORP OTHER 12754
BANKNORTH GROUP INC NEW SOLE 63572
BANKNORTH GROUP INC NEW OTHER 17560
BAXTER INTL INC SOLE 14650
BAXTER INTL INC OTHER 4719
BELL ATLANTIC CORP SOLE 23875
BELL ATLANTIC CORP DEFINED 1469
BELL ATLANTIC CORP OTHER 11052
BELLSOUTH CORP SOLE 67914
BELLSOUTH CORP DEFINED 1140
BELLSOUTH CORP OTHER 23636
BESTFOODS INC SOLE 79813
BESTFOODS INC OTHER 14105
BOEING COMPANY SOLE 4866
BOEING COMPANY OTHER 2150
BRISTOL MYERS SQUIBB SOLE 138812
BRISTOL MYERS SQUIBB OTHER 40230
BURLINGTON RESOURCES INC SOLE 20650
BURLINGTON RESOURCES INC OTHER 4650
CARNIVAL CORP SOLE 12150
CARNIVAL CORP OTHER 1400
CELGENE CORP SOLE 20000
CHEVRON CORP SOLE 16646
CHEVRON CORP OTHER 5222
CISCO SYSTEMS SOLE 174201
CISCO SYSTEMS DEFINED 2000
CISCO SYSTEMS OTHER 26700
CITIGROUP INC SOLE 32702
CITIGROUP INC OTHER 2530
COCA COLA CO. SOLE 2230
COCA COLA CO. OTHER 2578
COLGATE-PALMOLIVE CO SOLE 200
COLGATE-PALMOLIVE CO OTHER 4000
COMPUTER SCIENCES CORP SOLE 17817
COMPUTER SCIENCES CORP OTHER 1300
CONVERGYS CORP OTHER 4000
CORNING INC SOLE 2400
CORNING INC OTHER 2600
WALT DISNEY COMPANY SOLE 109004
WALT DISNEY COMPANY DEFINED 5000
WALT DISNEY COMPANY OTHER 25800
DOVER CORP SOLE 30700
DOVER CORP OTHER 550
DOW CHEMICAL CO SOLE 1200
DOW CHEMICAL CO OTHER 450
DOW CHEMICAL CO OTHER 5400
EI DUPONT DE NEMOURS & CO SOLE 67102
EI DUPONT DE NEMOURS & CO DEFINED 2600
EI DUPONT DE NEMOURS & CO OTHER 17200
DUKE ENERGY CORP SOLE 36025
DUKE ENERGY CORP DEFINED 2800
DUKE ENERGY CORP OTHER 2450
EMC CORP SOLE 75070
EMC CORP DEFINED 2000
EMC CORP OTHER 13050
EASTMAN KODAK CO SOLE 3852
EMERSON ELECTRIC CO SOLE 6700
EMERSON ELECTRIC CO OTHER 11350
ENRON CORP SOLE 42530
ENRON CORP OTHER 15600
EXXON MOBIL CORP SOLE 108577
EXXON MOBIL CORP DEFINED 5017
EXXON MOBIL CORP OTHER 32504
FED HOME LOAN MTG CORP SOLE 11500
FED NATL MORT ASSOC SOLE 58870
FED NATL MORT ASSOC OTHER 11660
FEDERATED FD US GOVT SECS INC SOLE 10009
FIDELITY SOLE 13145
FIDELITY SOLE 15327
FIDELITY DEFINED 26770
FIDELITY OTHER 413
FIDELITY SOLE 19858
FIDELITY SOLE 4190
FIDELITY DEFINED 2250
FIFTH THIRD BANCORP SOLE 12935
FIFTH THIRD BANCORP OTHER 637
FORTUNE BRANDS INC SOLE 13345
FORTUNE BRANDS INC DEFINED 636
FRANKLIN SOLE 198758
FRANKLIN DEFINED 24567
FRANKLIN OTHER 7891
GTE CORP SOLE 12767
GTE CORP DEFINED 138
GTE CORP OTHER 7960
GAP, INC. SOLE 71544
GAP, INC. OTHER 15861
GENERAL ELECTRIC CO SOLE 405681
GENERAL ELECTRIC CO DEFINED 5460
GENERAL ELECTRIC CO OTHER 5702
GENERAL ELECTRIC CO OTHER 195208
GILLETTE CO SOLE 12350
GILLETTE CO OTHER 550
GILLETTE CO OTHER 7304
HALLIBURTON CO SOLE 13500
HALLIBURTON CO OTHER 2800
HARLEY DAVIDSON INC SOLE 115904
HARLEY DAVIDSON INC OTHER 6550
HARTFORD LIFE, INC. SOLE 11315
HARTFORD LIFE, INC. OTHER 10575
H J HEINZ CO SOLE 8450
H J HEINZ CO OTHER 25350
HEWLETT PACKARD CO SOLE 74715
HEWLETT PACKARD CO DEFINED 2525
HEWLETT PACKARD CO OTHER 31445
HOME DEPOT SOLE 66048
HOME DEPOT OTHER 16825
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 80861
INTEL CORP DEFINED 3000
INTEL CORP OTHER 33435
INTL BUSINESS MACHINES SOLE 26590
INTL BUSINESS MACHINES DEFINED 231
INTL BUSINESS MACHINES OTHER 7819
JDS UNIPHASE CORP SOLE 12525
JDS UNIPHASE CORP OTHER 575
JACOBS ENGINEERING GROUP INC. SOLE 12050
JACOBS ENGINEERING GROUP INC. OTHER 1900
JANUS SOLE 17440
JANUS DEFINED 2696
JOHNSON & JOHNSON SOLE 78157
JOHNSON & JOHNSON DEFINED 2400
JOHNSON & JOHNSON OTHER 1600
JOHNSON & JOHNSON OTHER 32345
KIMBERLY-CLARK CORP SOLE 26268
KIMBERLY-CLARK CORP OTHER 1600
LIBERTY OTHER 18716
ELI LILLY & CO SOLE 4150
ELI LILLY & CO OTHER 2800
LUCENT TECHNOLOGIES INC SOLE 93793
LUCENT TECHNOLOGIES INC DEFINED 4506
LUCENT TECHNOLOGIES INC OTHER 26218
MBIA INC SOLE 9533
MBIA INC OTHER 1450
MCDONALDS CORP SOLE 11360
MCDONALDS CORP OTHER 1000
MCDONALDS CORP OTHER 13000
MEDTRONIC, INC SOLE 37475
MEDTRONIC, INC DEFINED 3500
MEDTRONIC, INC OTHER 3895
MERCK & CO SOLE 77508
MERCK & CO DEFINED 1600
MERCK & CO OTHER 2600
MERCK & CO OTHER 42590
MICROSOFT CORP. SOLE 75483
MICROSOFT CORP. OTHER 13830
MINN MINING & MANUFACTURING CO SOLE 6330
MINN MINING & MANUFACTURING CO DEFINED 2000
MINN MINING & MANUFACTURING CO OTHER 6030
J P MORGAN & CO SOLE 5779
J P MORGAN & CO OTHER 1350
MOTOROLA INC SOLE 15283
MOTOROLA INC OTHER 5700
FRANKLIN SOLE 16384
NEXTEL COMMUNICATIONS SOLE 19565
NEXTEL COMMUNICATIONS OTHER 350
NOKIA CORP SOLE 5720
NORTEL NWKS CORP HLD SOLE 24475
NORTEL NWKS CORP HLD OTHER 6531
NORTHERN TRUST SOLE 4334
NORTHERN TRUST DEFINED 1352
NORTHERN TRUST OTHER 169
NUCOR CORP SOLE 6450
NUCOR CORP OTHER 225
ORACLE CORP SOLE 61569
ORACLE CORP OTHER 200
ORACLE CORP OTHER 3700
PEPSICO INC SOLE 174451
PEPSICO INC DEFINED 5400
PEPSICO INC OTHER 2500
PEPSICO INC OTHER 85842
PFIZER INC SOLE 124032
PFIZER INC OTHER 37265
PHARMACIA CORP SOLE 6270
PHARMACIA CORP OTHER 700
PHILIP MORRIS COS INC SOLE 8899
PHILIP MORRIS COS INC OTHER 19100
PITNEY BOWES INC SOLE 5700
PITNEY BOWES INC OTHER 2200
PRAXAIR, INC. SOLE 16500
PROCTER & GAMBLE CO SOLE 57146
PROCTER & GAMBLE CO DEFINED 2100
PROCTER & GAMBLE CO OTHER 800
PROCTER & GAMBLE CO OTHER 23434
PUTNAM NY TAX EXEMPT INCOME SOLE 7292
PUTNAM NY TAX EXEMPT INCOME OTHER 22049
ROYAL DUTCH PETROLEUM CO SOLE 15096
ROYAL DUTCH PETROLEUM CO OTHER 800
ROYAL DUTCH PETROLEUM CO OTHER 10400
SBC COMMUNICATIONS INC SOLE 31319
SBC COMMUNICATIONS INC DEFINED 5968
SBC COMMUNICATIONS INC OTHER 7246
SARA LEE CORP SOLE 32200
SARA LEE CORP DEFINED 6000
SARA LEE CORP OTHER 200
SARA LEE CORP OTHER 15500
SCHERING PLOUGH CORP SOLE 2420
SCHERING PLOUGH CORP OTHER 1600
SCHLUMBERGER LTD SOLE 36060
SCHLUMBERGER LTD DEFINED 2600
SCHLUMBERGER LTD OTHER 9375
CHARLES SCHWAB CO. SOLE 162964
CHARLES SCHWAB CO. OTHER 5499
SONOCO PRODUCTS SOLE 12430
STANLEY WORKS SOLE 30000
STAPLES INCORPORATED SOLE 64563
STAPLES INCORPORATED OTHER 9300
STARBUCKS CORP SOLE 18500
STARBUCKS CORP OTHER 2000
SUN MICROSYSTEMS SOLE 12925
SUN MICROSYSTEMS OTHER 350
SUNTRUST BANKS INC SOLE 200
SUNTRUST BANKS INC OTHER 31584
TEMPLETON DEFINED 50672
TEMPLETON OTHER 5076
TEXACO INC SOLE 21834
TEXACO INC DEFINED 22
TEXACO INC OTHER 2325
TYCO INTL LTD SOLE 59757
TYCO INTL LTD OTHER 1046
TYCO INTL LTD OTHER 11040
UNILEVER NV SOLE 6181
UNILEVER NV OTHER 4685
U S WEST INC NEW SOLE 7875
U S WEST INC NEW OTHER 3789
UNITED TECHNOLOGIES CORP SOLE 1000
UNITED TECHNOLOGIES CORP OTHER 4800
WACHOVIA CORP. SOLE 11470
WACHOVIA CORP. OTHER 6120
WALMART STORES INC SOLE 21015
WALMART STORES INC OTHER 3360
WELLS FARGO & CO NEW SOLE 29025
WELLS FARGO & CO NEW OTHER 325
WISCONSIN ENERGY CORP SOLE 5990
WISCONSIN ENERGY CORP OTHER 4900
WORLDCOM INC SOLE 19151
WORLDCOM INC OTHER 3362
GLOBAL CROSSING LTD SOLE 8200
TRANSOCEAN SEDCO FOREX INC SOLE 6873
TRANSOCEAN SEDCO FOREX INC DEFINED 503
TRANSOCEAN SEDCO FOREX INC OTHER 1554
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