[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: 09/30/2000
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 integral 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 10/11/2000
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: 274
Form 13F Information Table Value Total: $ 378,325
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 396 13497 SH
AT&T CORP COMMON STOCK 001957109 180 6127 SH
ABBOTT LABORATORIES COMMON STOCK 002824100 499 10500 SH
ABBOTT LABORATORIES COMMON STOCK 002824100 447 9400 SH
AGILENT TECHNOLOGIES COMMON STOCK 00846U101 1244 25427 SH
AGILENT TECHNOLOGIES COMMON STOCK 00846U101 47 963 SH
AGILENT TECHNOLOGIES COMMON STOCK 00846U101 493 10072 SH
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 1197 33244 SH
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 259 7200 SH
ALBERTSON'S INC COMMON STOCK 013104104 187 8925 SH
ALBERTSON'S INC COMMON STOCK 013104104 21 1000 SH
ALBERTSON'S INC COMMON STOCK 013104104 13 600 SH
ALCOA INC COMMON STOCK 013817101 1763 69662 SH
ALCOA INC COMMON STOCK 013817101 154 6100 SH
AMERICAN HOME PRODUCTS COMMON STOCK 026609107 2419 42775 SH
AMERICAN HOME PRODUCTS COMMON STOCK 026609107 2500 44200 SH
AMER INTL GROUP INC COMMON STOCK 026874107 6837 71453 SH
AMER INTL GROUP INC COMMON STOCK 026874107 1010 10555 SH
ANALOG DEVICES, INC. COMMON STOCK 032654105 405 4900 SH
ANHEUSER BUSCH CO COMMON STOCK 035229103 990 23400 SH
ANHEUSER BUSCH CO COMMON STOCK 035229103 1848 43680 SH
APPLIED MATERIALS INC COMMON STOCK 038222105 664 11200 SH
APPLIED MATERIALS INC COMMON STOCK 038222105 15 250 SH
ARROW COMMON STOCK 042744102 16451 989531 SH
ARROW COMMON STOCK 042744102 801 48167 SH
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 5274 78870 SH
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 80 1200 SH
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 898 13425 SH
BP AMOCO PLC SPON ADR COMMON STOCK 055622104 4269 80541 SH
BP AMOCO PLC SPON ADR COMMON STOCK 055622104 2472 46638 SH
DEUTSCHE MUTUAL FUNDS - 05576L874 15665 1225741 SH
DEUTSCHE MUTUAL FUNDS - 05576L874 791 61865 SH
DEUTSCHE MUTUAL FUNDS - 05576L874 815 63798 SH
BANK OF NY CO INC COMMON STOCK 064057102 662 11800 SH
BANK OF NY CO INC COMMON STOCK 064057102 191 3400 SH
BANK ONE CORP COMMON STOCK 06423A103 1216 31490 SH
BANK ONE CORP COMMON STOCK 06423A103 64 1650 SH
BANK ONE CORP COMMON STOCK 06423A103 327 8460 SH
BANKNORTH GROUP INC NEW COMMON STOCK 06646R107 378 21131 SH
BANKNORTH GROUP INC NEW COMMON STOCK 06646R107 282 15785 SH
BAXTER INTL INC COMMON STOCK 071813109 1117 14000 SH
BAXTER INTL INC COMMON STOCK 071813109 381 4769 SH
BELLSOUTH CORP COMMON STOCK 079860102 2863 71120 SH
BELLSOUTH CORP COMMON STOCK 079860102 46 1140 SH
BELLSOUTH CORP COMMON STOCK 079860102 895 22242 SH
BESTFOODS INC COMMON STOCK 08658U101 3689 50712 SH
BESTFOODS INC COMMON STOCK 08658U101 997 13705 SH
BOEING COMPANY COMMON STOCK 097023105 281 4466 SH
BOEING COMPANY COMMON STOCK 097023105 101 1600 SH
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 7872 137802 SH
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 2370 41490 SH
BROADWING INC COMMON STOCK 111620100 270 10560 SH
BURLINGTON RESOURCES INC COMMON STOCK 122014103 780 21200 SH
BURLINGTON RESOURCES INC COMMON STOCK 122014103 171 4650 SH
CVS CORP COMMON STOCK 126650100 630 13600 SH
CARNIVAL CORP COMMON STOCK 143658102 201 8150 SH
CARNIVAL CORP COMMON STOCK 143658102 34 1400 SH
CELGENE CORP COMMON STOCK 151020104 893 15000 SH
CHEVRON CORP COMMON STOCK 166751107 1402 16446 SH
CHEVRON CORP COMMON STOCK 166751107 447 5242 SH
CISCO SYSTEMS COMMON STOCK 17275R102 9345 169133 SH
CISCO SYSTEMS COMMON STOCK 17275R102 111 2000 SH
CISCO SYSTEMS COMMON STOCK 17275R102 1558 28200 SH
CITIGROUP INC COMMON STOCK 172967101 2668 49348 SH
CITIGROUP INC COMMON STOCK 172967101 175 3237 SH
COCA COLA CO. COMMON STOCK 191216100 123 2230 SH
COCA COLA CO. COMMON STOCK 191216100 142 2578 SH
COLGATE-PALMOLIVE CO COMMON STOCK 194162103 14 300 SH
COLGATE-PALMOLIVE CO COMMON STOCK 194162103 189 4000 SH
COMPUTER SCIENCES CORP COMMON STOCK 205363104 1249 16825 SH
COMPUTER SCIENCES CORP COMMON STOCK 205363104 97 1300 SH
CORNING INC COMMON STOCK 219350105 787 2650 SH
CORNING INC COMMON STOCK 219350105 846 2850 SH
WALT DISNEY COMPANY COMMON STOCK 254687106 4269 111614 SH
WALT DISNEY COMPANY COMMON STOCK 254687106 191 5000 SH
WALT DISNEY COMPANY COMMON STOCK 254687106 979 25600 SH
DOVER CORP COMMON STOCK 260003108 1453 30950 SH
DOVER CORP COMMON STOCK 260003108 26 550 SH
EI DUPONT DE NEMOURS & CO COMMON STOCK 263534109 2544 61387 SH
EI DUPONT DE NEMOURS & CO COMMON STOCK 263534109 108 2600 SH
EI DUPONT DE NEMOURS & CO COMMON STOCK 263534109 742 17900 SH
DUKE ENERGY CORP COMMON STOCK 264399106 3039 35442 SH
DUKE ENERGY CORP COMMON STOCK 264399106 240 2800 SH
DUKE ENERGY CORP COMMON STOCK 264399106 210 2450 SH
EMC CORP COMMON STOCK 268648102 6466 65230 SH
EMC CORP COMMON STOCK 268648102 198 2000 SH
EMC CORP COMMON STOCK 268648102 1284 12950 SH
ELAN PLC COMMON STOCK 284131208 427 7800 SH
EMERSON ELECTRIC CO COMMON STOCK 291011104 382 5700 SH
EMERSON ELECTRIC CO COMMON STOCK 291011104 760 11350 SH
ENRON CORP COMMON STOCK 293561106 3729 42555 SH
ENRON CORP COMMON STOCK 293561106 1371 15650 SH
EXXON MOBIL CORP COMMON STOCK 30231G102 9353 104948 SH
EXXON MOBIL CORP COMMON STOCK 30231G102 447 5017 SH
EXXON MOBIL CORP COMMON STOCK 30231G102 2971 33340 SH
FASTENAL COMMON STOCK 311900104 362 6275 SH
FED HOME LOAN MTG CORP COMMON STOCK 313400301 1418 26225 SH
FED HOME LOAN MTG CORP COMMON STOCK 313400301 135 2500 SH
FED NATL MORT ASSOC COMMON STOCK 313586109 4341 60720 SH
FED NATL MORT ASSOC COMMON STOCK 313586109 834 11660 SH
FEDERATED FD US GOVT SECS INC MUTUAL FUNDS - 314182106 79 10377 SH
FIDELITY MUTUAL FUNDS - 315807875 116 11728 SH
FIDELITY MUTUAL FUNDS - 316071109 909 15572 SH
FIDELITY MUTUAL FUNDS - 316071109 1601 27415 SH
FIDELITY MUTUAL FUNDS - 316071109 22 379 SH
FIDELITY MUTUAL FUNDS - 316146109 87 12389 SH
FIDELITY MUTUAL FUNDS - 316200203 264 4509 SH
FIDELITY MUTUAL FUNDS - 316200203 824 14089 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 1045 19404 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 52 956 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 354 13345 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 17 636 SH
FRANKLIN MUTUAL FUNDS - 354713109 11561 228125 SH
FRANKLIN MUTUAL FUNDS - 354713109 1678 33111 SH
FRANKLIN MUTUAL FUNDS - 354713109 412 8132 SH
GAP, INC. COMMON STOCK 364760108 1398 69452 SH
GAP, INC. COMMON STOCK 364760108 319 15861 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 22598 391738 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 315 5460 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 11280 195535 SH
GENERAL MILLS INC COMMON STOCK 370334104 1686 47500 SH
GENERAL MILLS INC COMMON STOCK 370334104 18 500 SH
GILLETTE CO COMMON STOCK 375766102 310 10050 SH
GILLETTE CO COMMON STOCK 375766102 119 3850 SH
HALLIBURTON CO COMMON STOCK 406216101 656 13400 SH
HALLIBURTON CO COMMON STOCK 406216101 137 2800 SH
HARLEY DAVIDSON INC COMMON STOCK 412822108 5369 112145 SH
HARLEY DAVIDSON INC COMMON STOCK 412822108 314 6550 SH
H J HEINZ CO COMMON STOCK 423074103 297 8000 SH
H J HEINZ CO COMMON STOCK 423074103 959 25875 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 7131 73515 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 196 2025 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 3157 32545 SH
HOME DEPOT COMMON STOCK 437076102 3484 65658 SH
HOME DEPOT COMMON STOCK 437076102 877 16525 SH
HONEYWELL INTL COMMON STOCK 438516106 115 3234 SH
HONEYWELL INTL COMMON STOCK 438516106 115 3240 SH
AXP NEW DIMENSIONS FUND MUTUAL FUNDS - 449444108 281 7791 SH
ILLINOIS TOOL WORKS INC. COMMON STOCK 452308109 317 5680 SH
ILLINOIS TOOL WORKS INC. COMMON STOCK 452308109 112 2000 SH
INTEL CORP COMMON STOCK 458140100 6697 161122 SH
INTEL CORP COMMON STOCK 458140100 208 5000 SH
INTEL CORP COMMON STOCK 458140100 2833 68170 SH
INTL BUSINESS MACHINES COMMON STOCK 459200101 2916 25922 SH
INTL BUSINESS MACHINES COMMON STOCK 459200101 26 231 SH
INTL BUSINESS MACHINES COMMON STOCK 459200101 882 7844 SH
JDS UNIPHASE CORP COMMON STOCK 46612J101 1461 15425 SH
JDS UNIPHASE CORP COMMON STOCK 46612J101 57 600 SH
JACOBS ENGINEERING GROUP INC. COMMON STOCK 469814107 466 11550 SH
JACOBS ENGINEERING GROUP INC. COMMON STOCK 469814107 77 1900 SH
JANUS MUTUAL FUNDS - 471023101 1551 33921 SH
JANUS MUTUAL FUNDS - 471023101 655 14336 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 7202 76665 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 225 2400 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 3206 34130 SH
KIMBERLY-CLARK CORP COMMON STOCK 494368103 2286 40953 SH
KIMBERLY-CLARK CORP COMMON STOCK 494368103 89 1600 SH
LIBERTY MUTUAL FUNDS - 530545870 116 18716 SH
ELI LILLY & CO COMMON STOCK 532457108 353 4350 SH
ELI LILLY & CO COMMON STOCK 532457108 227 2800 SH
LOWES COMPANIES COMMON STOCK 548661107 170 3790 SH
LOWES COMPANIES COMMON STOCK 548661107 45 1000 SH
LOWES COMPANIES COMMON STOCK 548661107 4 100 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 2858 93499 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 138 4506 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 811 26520 SH
MBIA INC COMMON STOCK 55262C100 799 11233 SH
MBIA INC COMMON STOCK 55262C100 105 1475 SH
MCDONALDS CORP COMMON STOCK 580135101 302 10010 SH
MCDONALDS CORP COMMON STOCK 580135101 459 15200 SH
MEDTRONIC, INC COMMON STOCK 585055106 2199 42450 SH
MEDTRONIC, INC COMMON STOCK 585055106 181 3500 SH
MEDTRONIC, INC COMMON STOCK 585055106 207 3995 SH
MERCK & CO COMMON STOCK 589331107 5723 76883 SH
MERCK & CO COMMON STOCK 589331107 119 1600 SH
MERCK & CO COMMON STOCK 589331107 3385 45480 SH
MICROSOFT CORP. COMMON STOCK 594918104 4344 72033 SH
MICROSOFT CORP. COMMON STOCK 594918104 822 13630 SH
MINN MINING & MANUFACTURING CO COMMON STOCK 604059105 577 6330 SH
MINN MINING & MANUFACTURING CO COMMON STOCK 604059105 182 2000 SH
MINN MINING & MANUFACTURING CO COMMON STOCK 604059105 568 6230 SH
J P MORGAN & CO COMMON STOCK 616880100 878 5374 SH
J P MORGAN & CO COMMON STOCK 616880100 270 1650 SH
MOTOROLA INC COMMON STOCK 620076109 462 16358 SH
MOTOROLA INC COMMON STOCK 620076109 161 5700 SH
FRANKLIN MUTUAL FUNDS - 628380107 336 16384 SH
NEXTEL COMMUNICATIONS COMMON STOCK 65332V103 1508 32265 SH
NEXTEL COMMUNICATIONS COMMON STOCK 65332V103 94 2000 SH
NEXTEL COMMUNICATIONS COMMON STOCK 65332V103 37 800 SH
NOKIA CORP COMMON STOCK 654902204 410 10300 SH
NOKIA CORP COMMON STOCK 654902204 84 2100 SH
NORTEL NWKS CORP HLD COMMON STOCK 656568102 2226 37375 SH
NORTEL NWKS CORP HLD COMMON STOCK 656568102 341 5731 SH
NORTHERN TRUST MUTUAL FUNDS - 665162798 382 6747 SH
NORTHERN TRUST MUTUAL FUNDS - 665162798 84 1478 SH
NORTHERN TRUST MUTUAL FUNDS - 665162798 14 254 SH
ORACLE CORP COMMON STOCK 68389X105 4321 54869 SH
ORACLE CORP COMMON STOCK 68389X105 339 4300 SH
PEPSICO INC COMMON STOCK 713448108 7884 171386 SH
PEPSICO INC COMMON STOCK 713448108 248 5400 SH
PEPSICO INC COMMON STOCK 713448108 4064 88342 SH
PFIZER INC COMMON STOCK 717081103 5930 131967 SH
PFIZER INC COMMON STOCK 717081103 1679 37365 SH
PHARMACIA CORP COMMON STOCK 71713U102 365 6070 SH
PHARMACIA CORP COMMON STOCK 71713U102 102 1700 SH
PHILIP MORRIS COS INC COMMON STOCK 718154107 262 8899 SH
PHILIP MORRIS COS INC COMMON STOCK 718154107 674 22887 SH
PHILLIPS PETROLEUM CO COMMON STOCK 718507106 226 3600 SH
PITNEY BOWES INC COMMON STOCK 724479100 221 5600 SH
PITNEY BOWES INC COMMON STOCK 724479100 87 2200 SH
PRAXAIR, INC. COMMON STOCK 74005P104 426 11400 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 3139 46846 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 141 2100 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 1602 23909 SH
PUTNAM NY TAX EXEMPT INCOME MUTUAL FUNDS - 74683Q309 62 7292 SH
PUTNAM NY TAX EXEMPT INCOME MUTUAL FUNDS - 74683Q309 186 22049 SH
QWEST COMMUNICATIONS INTL INC. COMMON STOCK 749121109 614 12766 SH
QWEST COMMUNICATIONS INTL INC. COMMON STOCK 749121109 319 6639 SH
ROYAL DUTCH PETROLEUM CO COMMON STOCK 780257804 881 14696 SH
ROYAL DUTCH PETROLEUM CO COMMON STOCK 780257804 599 10000 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 1517 30333 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 298 5968 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 521 10411 SH
SARA LEE CORP COMMON STOCK 803111103 670 33000 SH
SARA LEE CORP COMMON STOCK 803111103 122 6000 SH
SARA LEE CORP COMMON STOCK 803111103 339 16700 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 2939 35710 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 214 2600 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 714 8675 SH
CHARLES SCHWAB CO. COMMON STOCK 808513105 5738 161639 SH
CHARLES SCHWAB CO. COMMON STOCK 808513105 199 5599 SH
SONOCO PRODUCTS COMMON STOCK 835495102 225 12430 SH
SOUTHWEST AIRLINES COMMON STOCK 844741108 215 8860 SH
SOUTHWEST AIRLINES COMMON STOCK 844741108 2 100 SH
STANLEY WORKS COMMON STOCK 854616109 680 29500 SH
STAPLES INCORPORATED COMMON STOCK 855030102 634 44657 SH
STAPLES INCORPORATED COMMON STOCK 855030102 73 5125 SH
STARBUCKS CORP COMMON STOCK 855244109 533 13300 SH
STARBUCKS CORP COMMON STOCK 855244109 80 2000 SH
SUN MICROSYSTEMS COMMON STOCK 866810104 2498 21400 SH
SUN MICROSYSTEMS COMMON STOCK 866810104 41 350 SH
SUNTRUST BANKS INC COMMON STOCK 867914103 712 14300 SH
SUNTRUST BANKS INC COMMON STOCK 867914103 871 17484 SH
TARGET CORP COMMON STOCK 87612E106 275 10730 SH
TEMPLETON MUTUAL FUNDS - 880196209 2 211 SH
TEMPLETON MUTUAL FUNDS - 880196209 543 53091 SH
TEMPLETON MUTUAL FUNDS - 880196209 52 5076 SH
TEXACO INC COMMON STOCK 881694103 1186 22589 SH
TEXACO INC COMMON STOCK 881694103 1 22 SH
TEXACO INC COMMON STOCK 881694103 122 2325 SH
TYCO INTL LTD COMMON STOCK 902124106 3058 58957 SH
TYCO INTL LTD COMMON STOCK 902124106 627 12086 SH
UNILEVER NV COMMON STOCK 904784709 247 5110 SH
UNILEVER NV COMMON STOCK 904784709 226 4685 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 69 1000 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 332 4800 SH
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 2390 49345 SH
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 74 1535 SH
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 975 20132 SH
VIACOM COMMON STOCK 925524308 254 4340 SH
WACHOVIA CORP. COMMON STOCK 929771103 650 11470 SH
WACHOVIA CORP. COMMON STOCK 929771103 347 6120 SH
WALMART STORES INC COMMON STOCK 931142103 1086 22565 SH
WALMART STORES INC COMMON STOCK 931142103 162 3360 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 1378 30000 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 15 325 SH
WISCONSIN ENERGY CORP COMMON STOCK 976657106 119 5990 SH
WISCONSIN ENERGY CORP COMMON STOCK 976657106 98 4900 SH
WORLDCOM INC COMMON STOCK 98157D106 437 14375 SH
WORLDCOM INC COMMON STOCK 98157D106 102 3362 SH
GLOBAL CROSSING LTD COMMON STOCK G3921A100 254 8200 SH
TRANSOCEAN SEDCO FOREX INC COMMON STOCK G90078109 282 4818 SH
TRANSOCEAN SEDCO FOREX INC COMMON STOCK G90078109 29 503 SH
TRANSOCEAN SEDCO FOREX INC COMMON STOCK G90078109 81 1387 SH
NAME OF ISSUER INVSTMT OTHER VOTING AUTHORITY
SECURITY NAME DISCRTN MANAGERS SOLE SHARED NONE
AT&T CORP SOLE 13497
AT&T CORP OTHER 6127
ABBOTT LABORATORIES SOLE 10500
ABBOTT LABORATORIES OTHER 9400
AGILENT TECHNOLOGIES SOLE 25427
AGILENT TECHNOLOGIES DEFINED 963
AGILENT TECHNOLOGIES OTHER 10072
AIR PRODUCTS & CHEMICALS INC SOLE 33244
AIR PRODUCTS & CHEMICALS INC OTHER 7200
ALBERTSON'S INC SOLE 8925
ALBERTSON'S INC DEFINED 1000
ALBERTSON'S INC OTHER 600
ALCOA INC SOLE 69662
ALCOA INC OTHER 6100
AMERICAN HOME PRODUCTS SOLE 42775
AMERICAN HOME PRODUCTS OTHER 2000
AMERICAN HOME PRODUCTS OTHER 42200
AMER INTL GROUP INC SOLE 71453
AMER INTL GROUP INC OTHER 10555
ANALOG DEVICES, INC. SOLE 4900
ANHEUSER BUSCH CO SOLE 23400
ANHEUSER BUSCH CO OTHER 1480
ANHEUSER BUSCH CO OTHER 42200
APPLIED MATERIALS INC SOLE 11200
APPLIED MATERIALS INC OTHER 250
ARROW SOLE 989531
ARROW OTHER 48167
AUTOMATIC DATA PROCESSING SOLE 78870
AUTOMATIC DATA PROCESSING DEFINED 1200
AUTOMATIC DATA PROCESSING OTHER 13425
BP AMOCO PLC SPON ADR SOLE 80541
BP AMOCO PLC SPON ADR OTHER 1058
BP AMOCO PLC SPON ADR OTHER 45580
DEUTSCHE SOLE 1225741
DEUTSCHE DEFINED 61865
DEUTSCHE OTHER 1067
DEUTSCHE OTHER 62731
BANK OF NY CO INC DEFINED 11800
BANK OF NY CO INC OTHER 3400
BANK ONE CORP SOLE 31490
BANK ONE CORP DEFINED 1650
BANK ONE CORP OTHER 8460
BANKNORTH GROUP INC NEW SOLE 21131
BANKNORTH GROUP INC NEW OTHER 15785
BAXTER INTL INC SOLE 14000
BAXTER INTL INC OTHER 4769
BELLSOUTH CORP SOLE 71120
BELLSOUTH CORP DEFINED 1140
BELLSOUTH CORP OTHER 22242
BESTFOODS INC SOLE 50712
BESTFOODS INC OTHER 13705
BOEING COMPANY SOLE 4466
BOEING COMPANY OTHER 1600
BRISTOL MYERS SQUIBB SOLE 137802
BRISTOL MYERS SQUIBB OTHER 41490
BROADWING INC OTHER 10560
BURLINGTON RESOURCES INC SOLE 21200
BURLINGTON RESOURCES INC OTHER 4650
CVS CORP SOLE 13600
CARNIVAL CORP SOLE 8150
CARNIVAL CORP OTHER 1400
CELGENE CORP SOLE 15000
CHEVRON CORP SOLE 16446
CHEVRON CORP OTHER 5242
CISCO SYSTEMS SOLE 169133
CISCO SYSTEMS DEFINED 2000
CISCO SYSTEMS OTHER 28200
CITIGROUP INC SOLE 49348
CITIGROUP INC OTHER 3237
COCA COLA CO. SOLE 2230
COCA COLA CO. OTHER 2578
COLGATE-PALMOLIVE CO SOLE 300
COLGATE-PALMOLIVE CO OTHER 4000
COMPUTER SCIENCES CORP SOLE 16825
COMPUTER SCIENCES CORP OTHER 1300
CORNING INC SOLE 2650
CORNING INC OTHER 2850
WALT DISNEY COMPANY SOLE 111614
WALT DISNEY COMPANY DEFINED 5000
WALT DISNEY COMPANY OTHER 25600
DOVER CORP SOLE 30950
DOVER CORP OTHER 550
EI DUPONT DE NEMOURS & CO SOLE 61387
EI DUPONT DE NEMOURS & CO DEFINED 2600
EI DUPONT DE NEMOURS & CO OTHER 17900
DUKE ENERGY CORP SOLE 35442
DUKE ENERGY CORP DEFINED 2800
DUKE ENERGY CORP OTHER 2450
EMC CORP SOLE 65230
EMC CORP DEFINED 2000
EMC CORP OTHER 12950
ELAN PLC SOLE 7800
EMERSON ELECTRIC CO SOLE 5700
EMERSON ELECTRIC CO OTHER 11350
ENRON CORP SOLE 42555
ENRON CORP OTHER 15650
EXXON MOBIL CORP SOLE 104948
EXXON MOBIL CORP DEFINED 5017
EXXON MOBIL CORP OTHER 33340
FASTENAL SOLE 6275
FED HOME LOAN MTG CORP SOLE 26225
FED HOME LOAN MTG CORP OTHER 2500
FED NATL MORT ASSOC SOLE 60720
FED NATL MORT ASSOC OTHER 11660
FEDERATED FD US GOVT SECS INC SOLE 10377
FIDELITY SOLE 11728
FIDELITY SOLE 15572
FIDELITY DEFINED 27415
FIDELITY OTHER 379
FIDELITY SOLE 12389
FIDELITY SOLE 4509
FIDELITY DEFINED 14089
FIFTH THIRD BANCORP SOLE 19404
FIFTH THIRD BANCORP OTHER 956
FORTUNE BRANDS INC SOLE 13345
FORTUNE BRANDS INC DEFINED 636
FRANKLIN SOLE 228125
FRANKLIN DEFINED 33111
FRANKLIN OTHER 8132
GAP, INC. SOLE 69452
GAP, INC. OTHER 15861
GENERAL ELECTRIC CO SOLE 391738
GENERAL ELECTRIC CO DEFINED 5460
GENERAL ELECTRIC CO OTHER 5702
GENERAL ELECTRIC CO OTHER 189833
GENERAL MILLS INC SOLE 47500
GENERAL MILLS INC OTHER 500
GILLETTE CO SOLE 10050
GILLETTE CO OTHER 550
GILLETTE CO OTHER 3300
HALLIBURTON CO SOLE 13400
HALLIBURTON CO OTHER 2800
HARLEY DAVIDSON INC SOLE 112145
HARLEY DAVIDSON INC OTHER 6550
H J HEINZ CO SOLE 8000
H J HEINZ CO OTHER 25875
HEWLETT PACKARD CO SOLE 73515
HEWLETT PACKARD CO DEFINED 2025
HEWLETT PACKARD CO OTHER 32545
HOME DEPOT SOLE 65658
HOME DEPOT OTHER 16525
HONEYWELL INTL SOLE 3234
HONEYWELL INTL OTHER 3240
AXP NEW DIMENSIONS FUND SOLE 7791
ILLINOIS TOOL WORKS INC. SOLE 5680
ILLINOIS TOOL WORKS INC. OTHER 2000
INTEL CORP SOLE 161122
INTEL CORP DEFINED 5000
INTEL CORP OTHER 68170
INTL BUSINESS MACHINES SOLE 25922
INTL BUSINESS MACHINES DEFINED 231
INTL BUSINESS MACHINES OTHER 7844
JDS UNIPHASE CORP SOLE 15425
JDS UNIPHASE CORP OTHER 600
JACOBS ENGINEERING GROUP INC. SOLE 11550
JACOBS ENGINEERING GROUP INC. OTHER 1900
JANUS SOLE 33921
JANUS DEFINED 14336
JOHNSON & JOHNSON SOLE 76665
JOHNSON & JOHNSON DEFINED 2400
JOHNSON & JOHNSON OTHER 1600
JOHNSON & JOHNSON OTHER 32530
KIMBERLY-CLARK CORP SOLE 40953
KIMBERLY-CLARK CORP OTHER 1600
LIBERTY OTHER 18716
ELI LILLY & CO SOLE 4350
ELI LILLY & CO OTHER 2800
LOWES COMPANIES SOLE 3790
LOWES COMPANIES DEFINED 1000
LOWES COMPANIES OTHER 100
LUCENT TECHNOLOGIES INC SOLE 93499
LUCENT TECHNOLOGIES INC DEFINED 4506
LUCENT TECHNOLOGIES INC OTHER 26520
MBIA INC SOLE 11233
MBIA INC OTHER 1475
MCDONALDS CORP SOLE 10010
MCDONALDS CORP OTHER 1000
MCDONALDS CORP OTHER 14200
MEDTRONIC, INC SOLE 42450
MEDTRONIC, INC DEFINED 3500
MEDTRONIC, INC OTHER 3995
MERCK & CO SOLE 76883
MERCK & CO DEFINED 1600
MERCK & CO OTHER 2600
MERCK & CO OTHER 42880
MICROSOFT CORP. SOLE 72033
MICROSOFT CORP. OTHER 13630
MINN MINING & MANUFACTURING CO SOLE 6330
MINN MINING & MANUFACTURING CO DEFINED 2000
MINN MINING & MANUFACTURING CO OTHER 6230
J P MORGAN & CO SOLE 5374
J P MORGAN & CO OTHER 1650
MOTOROLA INC SOLE 16358
MOTOROLA INC OTHER 5700
FRANKLIN SOLE 16384
NEXTEL COMMUNICATIONS SOLE 32265
NEXTEL COMMUNICATIONS DEFINED 2000
NEXTEL COMMUNICATIONS OTHER 800
NOKIA CORP SOLE 10300
NOKIA CORP OTHER 2100
NORTEL NWKS CORP HLD SOLE 37375
NORTEL NWKS CORP HLD OTHER 5731
NORTHERN TRUST SOLE 6747
NORTHERN TRUST DEFINED 1478
NORTHERN TRUST OTHER 254
ORACLE CORP SOLE 54869
ORACLE CORP OTHER 200
ORACLE CORP OTHER 4100
PEPSICO INC SOLE 171386
PEPSICO INC DEFINED 5400
PEPSICO INC OTHER 2500
PEPSICO INC OTHER 85842
PFIZER INC SOLE 131967
PFIZER INC OTHER 37365
PHARMACIA CORP SOLE 6070
PHARMACIA CORP OTHER 1700
PHILIP MORRIS COS INC SOLE 8899
PHILIP MORRIS COS INC OTHER 22887
PHILLIPS PETROLEUM CO SOLE 3600
PITNEY BOWES INC SOLE 5600
PITNEY BOWES INC OTHER 2200
PRAXAIR, INC. SOLE 11400
PROCTER & GAMBLE CO SOLE 46846
PROCTER & GAMBLE CO DEFINED 2100
PROCTER & GAMBLE CO OTHER 675
PROCTER & GAMBLE CO OTHER 23234
PUTNAM NY TAX EXEMPT INCOME SOLE 7292
PUTNAM NY TAX EXEMPT INCOME OTHER 22049
QWEST COMMUNICATIONS INTL INC. SOLE 12766
QWEST COMMUNICATIONS INTL INC. OTHER 6639
ROYAL DUTCH PETROLEUM CO SOLE 14696
ROYAL DUTCH PETROLEUM CO OTHER 800
ROYAL DUTCH PETROLEUM CO OTHER 9200
SBC COMMUNICATIONS INC SOLE 30333
SBC COMMUNICATIONS INC DEFINED 5968
SBC COMMUNICATIONS INC OTHER 10411
SARA LEE CORP SOLE 33000
SARA LEE CORP DEFINED 6000
SARA LEE CORP OTHER 200
SARA LEE CORP OTHER 16500
SCHLUMBERGER LTD SOLE 35710
SCHLUMBERGER LTD DEFINED 2600
SCHLUMBERGER LTD OTHER 8675
CHARLES SCHWAB CO. SOLE 161639
CHARLES SCHWAB CO. OTHER 5599
SONOCO PRODUCTS SOLE 12430
SOUTHWEST AIRLINES SOLE 8860
SOUTHWEST AIRLINES OTHER 100
STANLEY WORKS SOLE 29500
STAPLES INCORPORATED SOLE 44657
STAPLES INCORPORATED OTHER 5125
STARBUCKS CORP SOLE 13300
STARBUCKS CORP OTHER 2000
SUN MICROSYSTEMS SOLE 21400
SUN MICROSYSTEMS OTHER 350
SUNTRUST BANKS INC SOLE 14300
SUNTRUST BANKS INC OTHER 17484
TARGET CORP SOLE 10730
TEMPLETON SOLE 211
TEMPLETON DEFINED 53091
TEMPLETON OTHER 5076
TEXACO INC SOLE 22589
TEXACO INC DEFINED 22
TEXACO INC OTHER 2325
TYCO INTL LTD SOLE 58957
TYCO INTL LTD OTHER 1046
TYCO INTL LTD OTHER 11040
UNILEVER NV SOLE 5110
UNILEVER NV OTHER 4685
UNITED TECHNOLOGIES CORP SOLE 1000
UNITED TECHNOLOGIES CORP OTHER 4800
VERIZON COMMUNICATIONS INC SOLE 49345
VERIZON COMMUNICATIONS INC DEFINED 1535
VERIZON COMMUNICATIONS INC OTHER 20132
VIACOM OTHER 4340
WACHOVIA CORP. SOLE 11470
WACHOVIA CORP. OTHER 6120
WALMART STORES INC SOLE 22565
WALMART STORES INC OTHER 3360
WELLS FARGO & CO NEW SOLE 30000
WELLS FARGO & CO NEW OTHER 325
WISCONSIN ENERGY CORP SOLE 5990
WISCONSIN ENERGY CORP OTHER 4900
WORLDCOM INC SOLE 14375
WORLDCOM INC OTHER 3362
GLOBAL CROSSING LTD SOLE 8200
TRANSOCEAN SEDCO FOREX INC SOLE 4818
TRANSOCEAN SEDCO FOREX INC DEFINED 503
TRANSOCEAN SEDCO FOREX INC OTHER 1387
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