[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: 03/31/2000
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: 518-793-4121
Signature, Place, and Date of Signing:
John F Corcroan Glens Falls, NY 04/13/2000
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: $ 376,635
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 711 12626 SH
AT&T CORP COMMON STOCK 001957109 252 4473 SH
ABBOTT LABORATORIES COMMON STOCK 002824100 383 10880 SH
ABBOTT LABORATORIES COMMON STOCK 002824100 303 8600 SH
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 931 32744 SH
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 205 7200 SH
AIRBORNE FREIGHT CORP COMMON STOCK 009266107 240 10000 SH
AIRBORNE FREIGHT CORP COMMON STOCK 009266107 36 1500 SH
ALBERTSON'S INC COMMON STOCK 013104104 1367 44275 SH
ALBERTSON'S INC COMMON STOCK 013104104 31 1000 SH
ALBERTSON'S INC COMMON STOCK 013104104 142 4600 SH
ALCOA INC COMMON STOCK 013817101 2703 38480 SH
ALCOA INC COMMON STOCK 013817101 197 2800 SH
AMERICAN HOME PRODUCTS COMMON STOCK 026609107 2423 45075 SH
AMERICAN HOME PRODUCTS COMMON STOCK 026609107 2416 44950 SH
AMER INTL GROUP INC COMMON STOCK 026874107 5275 48171 SH
AMER INTL GROUP INC COMMON STOCK 026874107 99 903 SH
AMER INTL GROUP INC COMMON STOCK 026874107 754 6886 SH
ANALOG DEVICES, INC. COMMON STOCK 032654105 797 9900 SH
ANHEUSER BUSCH CO COMMON STOCK 035229103 791 12700 SH
ANHEUSER BUSCH CO COMMON STOCK 035229103 1316 21140 SH
ARROW COMMON STOCK 042744102 18454 1011190 SH
ARROW COMMON STOCK 042744102 966 52924 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 925 10887 SH
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 661 7782 SH
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 3725 77195 SH
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 58 1200 SH
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 645 13375 SH
BCE INC FOREIGN STOCK 05534B109 502 4000 SH
BP AMOCO PLC SPON ADR COMMON STOCK 055622104 3322 62389 SH
BP AMOCO PLC SPON ADR COMMON STOCK 055622104 56 1058 SH
BP AMOCO PLC SPON ADR COMMON STOCK 055622104 1912 35900 SH
BT MUTUAL FUNDS - 05576L874 16183 1116060 SH
BT MUTUAL FUNDS - 05576L874 739 50960 SH
BT MUTUAL FUNDS - 05576L874 877 60505 SH
BANK OF NY CO INC COMMON STOCK 064057102 490 11800 SH
BANK ONE CORP COMMON STOCK 06423A103 1830 53046 SH
BANK ONE CORP COMMON STOCK 06423A103 57 1650 SH
BANK ONE CORP COMMON STOCK 06423A103 440 12754 SH
BANKNORTH GROUP, INC. COMMON STOCK 06646L100 934 34836 SH
BANKNORTH GROUP, INC. COMMON STOCK 06646L100 287 10718 SH
BAXTER INTL INC COMMON STOCK 071813109 718 11450 SH
BAXTER INTL INC COMMON STOCK 071813109 261 4169 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 1307 21375 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 90 1469 SH
BELL ATLANTIC CORP COMMON STOCK 077853109 676 11052 SH
BELLSOUTH CORP COMMON STOCK 079860102 3235 69014 SH
BELLSOUTH CORP COMMON STOCK 079860102 53 1140 SH
BELLSOUTH CORP COMMON STOCK 079860102 1108 23636 SH
BESTFOODS INC COMMON STOCK 08658U101 4147 88598 SH
BESTFOODS INC COMMON STOCK 08658U101 37 800 SH
BESTFOODS INC COMMON STOCK 08658U101 618 13205 SH
BOEING COMPANY COMMON STOCK 097023105 195 5166 SH
BOEING COMPANY COMMON STOCK 097023105 89 2350 SH
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 8065 139047 SH
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 2333 40230 SH
BURLINGTON RESOURCES INC COMMON STOCK 122014103 797 21550 SH
BURLINGTON RESOURCES INC COMMON STOCK 122014103 168 4550 SH
CARNIVAL CORP COMMON STOCK 143658102 301 12150 SH
CARNIVAL CORP COMMON STOCK 143658102 35 1400 SH
CELGENE CORP COMMON STOCK 151020104 797 8000 SH
CHEVRON CORP COMMON STOCK 166751107 1539 16646 SH
CHEVRON CORP COMMON STOCK 166751107 483 5222 SH
CISCO SYSTEMS COMMON STOCK 17275R102 14171 183294 SH
CISCO SYSTEMS COMMON STOCK 17275R102 186 2400 SH
CISCO SYSTEMS COMMON STOCK 17275R102 2064 26700 SH
CITIGROUP INC COMMON STOCK 172967101 1860 31067 SH
CITIGROUP INC COMMON STOCK 172967101 114 1905 SH
COCA COLA CO. COMMON STOCK 191216100 109 2330 SH
COCA COLA CO. COMMON STOCK 191216100 121 2578 SH
COLGATE-PALMOLIVE CO COMMON STOCK 194162103 11 200 SH
COLGATE-PALMOLIVE CO COMMON STOCK 194162103 226 4000 SH
COMPUTER SCIENCES CORP COMMON STOCK 205363104 1404 17742 SH
COMPUTER SCIENCES CORP COMMON STOCK 205363104 103 1300 SH
CORNING INC COMMON STOCK 219350105 466 2400 SH
CORNING INC COMMON STOCK 219350105 504 2600 SH
WALT DISNEY COMPANY COMMON STOCK 254687106 4410 106914 SH
WALT DISNEY COMPANY COMMON STOCK 254687106 206 5000 SH
WALT DISNEY COMPANY COMMON STOCK 254687106 1225 29700 SH
DOVER CORP COMMON STOCK 260003108 1441 30100 SH
DOVER CORP COMMON STOCK 260003108 22 450 SH
DOW CHEMICAL CO COMMON STOCK 260543103 34 300 SH
DOW CHEMICAL CO COMMON STOCK 260543103 234 2050 SH
EI DUPONT DE NEMOURS & CO COMMON STOCK 263534109 3303 62397 SH
EI DUPONT DE NEMOURS & CO COMMON STOCK 263534109 238 4500 SH
EI DUPONT DE NEMOURS & CO COMMON STOCK 263534109 795 15025 SH
DUKE ENERGY CORP COMMON STOCK 264399106 1885 35900 SH
DUKE ENERGY CORP COMMON STOCK 264399106 147 2800 SH
DUKE ENERGY CORP COMMON STOCK 264399106 129 2450 SH
EMC CORP COMMON STOCK 268648102 4288 34035 SH
EMC CORP COMMON STOCK 268648102 126 1000 SH
EMC CORP COMMON STOCK 268648102 696 5525 SH
EASTMAN KODAK CO COMMON STOCK 277461109 209 3852 SH
EMERSON ELECTRIC CO COMMON STOCK 291011104 380 7150 SH
EMERSON ELECTRIC CO COMMON STOCK 291011104 603 11350 SH
ENRON CORP COMMON STOCK 293561106 3244 43330 SH
ENRON CORP COMMON STOCK 293561106 1239 16550 SH
EQUITY INV FD MUTUAL FUNDS - 294711601 25 29872 SH
EXXON MOBIL CORP COMMON STOCK 30231G102 8612 110499 SH
EXXON MOBIL CORP COMMON STOCK 30231G102 495 6357 SH
EXXON MOBIL CORP COMMON STOCK 30231G102 2707 34727 SH
FED HOME LOAN MTG CORP COMMON STOCK 313400301 442 10000 SH
FED NATL MORT ASSOC COMMON STOCK 313586109 3298 58315 SH
FED NATL MORT ASSOC COMMON STOCK 313586109 712 12585 SH
FEDERATED FD US GOVT SECS INC MUTUAL FUNDS - 314182106 75 10009 SH
FIDELITY MUTUAL FUNDS - 315805812 281 13318 SH
FIDELITY MUTUAL FUNDS - 315807875 177 16401 SH
FIDELITY MUTUAL FUNDS - 315809103 111 10835 SH
FIDELITY MUTUAL FUNDS - 316071109 834 13501 SH
FIDELITY MUTUAL FUNDS - 316071109 1689 27333 SH
FIDELITY MUTUAL FUNDS - 316071109 29 464 SH
FIDELITY MUTUAL FUNDS - 316146109 138 19858 SH
FIDELITY MUTUAL FUNDS - 31617K303 125 13430 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 803 12750 SH
FIFTH THIRD BANCORP COMMON STOCK 316773100 40 637 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 334 13345 SH
FORTUNE BRANDS INC COMMON STOCK 349631101 16 636 SH
FRANKLIN MUTUAL FUNDS - 354713109 7605 151547 SH
FRANKLIN MUTUAL FUNDS - 354713109 1360 27107 SH
FRANKLIN MUTUAL FUNDS - 354713109 350 6975 SH
GTE CORP COMMON STOCK 362320103 873 12302 SH
GTE CORP COMMON STOCK 362320103 10 138 SH
GTE CORP COMMON STOCK 362320103 565 7960 SH
GALLAHER GROUP COMMON STOCK 363595109 237 12050 SH
GAM MUTUAL FUNDS - 364590109 35 1116 SH
GAM MUTUAL FUNDS - 364590109 185 5822 SH
GAM MUTUAL FUNDS - 364590109 103 3241 SH
GANNETT COMPANY INC COMMON STOCK 364730101 134 1900 SH
GANNETT COMPANY INC COMMON STOCK 364730101 99 1400 SH
GAP, INC. COMMON STOCK 364760108 3592 72118 SH
GAP, INC. COMMON STOCK 364760108 790 15861 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 21454 137857 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 454 2920 SH
GENERAL ELECTRIC CO COMMON STOCK 369604103 10772 69219 SH
GILLETTE CO COMMON STOCK 375766102 586 15550 SH
GILLETTE CO COMMON STOCK 375766102 34 904 SH
GILLETTE CO COMMON STOCK 375766102 262 6950 SH
HALLIBURTON CO COMMON STOCK 406216101 559 13600 SH
HALLIBURTON CO COMMON STOCK 406216101 115 2800 SH
HARLEY DAVIDSON INC COMMON STOCK 412822108 5241 66027 SH
HARLEY DAVIDSON INC COMMON STOCK 412822108 248 3125 SH
HARTFORD LIFE, INC. COMMON STOCK 416592103 1705 36365 SH
HARTFORD LIFE, INC. COMMON STOCK 416592103 636 13575 SH
H J HEINZ CO COMMON STOCK 423074103 309 8850 SH
H J HEINZ CO COMMON STOCK 423074103 889 25500 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 9931 74740 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 468 3525 SH
HEWLETT PACKARD CO COMMON STOCK 428236103 4059 30545 SH
HOME DEPOT COMMON STOCK 437076102 4188 64923 SH
HOME DEPOT COMMON STOCK 437076102 1177 18250 SH
HONEYWELL INTL COMMON STOCK 438516106 170 3234 SH
HONEYWELL INTL COMMON STOCK 438516106 171 3240 SH
AXP NEW DIMENSIONS FUND MUTUAL FUNDS - 449444108 300 7791 SH
ILLINOIS TOOL WORKS INC. COMMON STOCK 452308109 386 6980 SH
ILLINOIS TOOL WORKS INC. COMMON STOCK 452308109 44 800 SH
INTEL CORP COMMON STOCK 458140100 10731 81331 SH
INTEL CORP COMMON STOCK 458140100 594 4500 SH
INTEL CORP COMMON STOCK 458140100 4649 35235 SH
INTL BUSINESS MACHINES COMMON STOCK 459200101 3237 27432 SH
INTL BUSINESS MACHINES COMMON STOCK 459200101 27 231 SH
INTL BUSINESS MACHINES COMMON STOCK 459200101 1045 8852 SH
JACOBS ENGINEERING GROUP INC. COMMON STOCK 469814107 411 12900 SH
JACOBS ENGINEERING GROUP INC. COMMON STOCK 469814107 61 1900 SH
JANUS MUTUAL FUNDS - 471023101 468 9616 SH
JANUS MUTUAL FUNDS - 471023101 123 2538 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 5522 78607 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 225 3200 SH
JOHNSON & JOHNSON COMMON STOCK 478160104 2399 34145 SH
KIMBERLY-CLARK CORP COMMON STOCK 494368103 1402 25010 SH
KIMBERLY-CLARK CORP COMMON STOCK 494368103 78 1393 SH
LIBERTY MUTUAL FUNDS - 530545870 121 18716 SH
ELI LILLY & CO COMMON STOCK 532457108 238 3800 SH
ELI LILLY & CO COMMON STOCK 532457108 175 2800 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 6231 101727 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 429 7006 SH
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 1551 25318 SH
MBIA INC COMMON STOCK 55262C100 469 9008 SH
MBIA INC COMMON STOCK 55262C100 42 800 SH
MBIA INC COMMON STOCK 55262C100 30 575 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 1495 32986 SH
MCI WORLDCOM INC COMMON STOCK 55268B106 116 2562 SH
MCDONALDS CORP COMMON STOCK 580135101 686 18360 SH
MCDONALDS CORP COMMON STOCK 580135101 635 17000 SH
MEDIAONE GROUP INC COM COMMON STOCK 58440J104 89 1100 SH
MEDIAONE GROUP INC COM COMMON STOCK 58440J104 122 1500 SH
MEDTRONIC, INC COMMON STOCK 585055106 2344 45575 SH
MEDTRONIC, INC COMMON STOCK 585055106 180 3500 SH
MEDTRONIC, INC COMMON STOCK 585055106 175 3395 SH
MERCK & CO COMMON STOCK 589331107 4802 77293 SH
MERCK & CO COMMON STOCK 589331107 199 3200 SH
MERCK & CO COMMON STOCK 589331107 2807 45190 SH
MICROSOFT CORP. COMMON STOCK 594918104 8856 83348 SH
MICROSOFT CORP. COMMON STOCK 594918104 1342 12630 SH
MINN MINING & MANUFACTURING CO COMMON STOCK 604059105 569 6430 SH
MINN MINING & MANUFACTURING CO COMMON STOCK 604059105 177 2000 SH
MINN MINING & MANUFACTURING CO COMMON STOCK 604059105 543 6130 SH
MONSANTO CO COMMON STOCK 611662107 323 6270 SH
MONSANTO CO COMMON STOCK 611662107 41 800 SH
J P MORGAN & CO COMMON STOCK 616880100 779 5909 SH
J P MORGAN & CO COMMON STOCK 616880100 178 1350 SH
MOTOROLA INC COMMON STOCK 620076109 451 3086 SH
MOTOROLA INC COMMON STOCK 620076109 277 1900 SH
FRANKLIN MUTUAL FUNDS - 628380107 343 16384 SH
NUCOR CORP COMMON STOCK 670346105 315 6300 SH
NUCOR CORP COMMON STOCK 670346105 11 225 SH
ORACLE CORP COMMON STOCK 68389X105 4603 58969 SH
ORACLE CORP COMMON STOCK 68389X105 195 2500 SH
PEPSICO INC COMMON STOCK 713448108 6229 178601 SH
PEPSICO INC COMMON STOCK 713448108 223 6400 SH
PEPSICO INC COMMON STOCK 713448108 3133 89842 SH
PFIZER INC COMMON STOCK 717081103 3360 91887 SH
PFIZER INC COMMON STOCK 717081103 1500 41035 SH
PHILIP MORRIS COS INC COMMON STOCK 718154107 213 10099 SH
PHILIP MORRIS COS INC COMMON STOCK 718154107 403 19100 SH
PITNEY BOWES INC COMMON STOCK 724479100 322 7200 SH
PITNEY BOWES INC COMMON STOCK 724479100 98 2200 SH
PRAXAIR, INC. COMMON STOCK 74005P104 691 16590 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 3243 57396 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 147 2600 SH
PROCTER & GAMBLE CO COMMON STOCK 742718109 1460 25834 SH
PUTNAM NY TAX EXEMPT INCOME MUTUAL FUNDS - 74683Q309 61 7292 SH
PUTNAM NY TAX EXEMPT INCOME MUTUAL FUNDS - 74683Q309 184 22049 SH
QUALCOMM INC COMMON STOCK 747525103 328 2200 SH
ROYAL DUTCH PETROLEUM CO COMMON STOCK 780257804 890 15396 SH
ROYAL DUTCH PETROLEUM CO COMMON STOCK 780257804 648 11200 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 1311 31132 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 265 6298 SH
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 306 7272 SH
SARA LEE CORP COMMON STOCK 803111103 560 31100 SH
SARA LEE CORP COMMON STOCK 803111103 108 6000 SH
SARA LEE CORP COMMON STOCK 803111103 193 10700 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 2808 36710 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 199 2600 SH
SCHLUMBERGER LTD COMMON STOCK 806857108 794 10375 SH
CHARLES SCHWAB CO. COMMON STOCK 808513105 6453 113576 SH
CHARLES SCHWAB CO. COMMON STOCK 808513105 208 3666 SH
SONOCO PRODUCTS COMMON STOCK 835495102 286 12430 SH
SOUTHWEST AIRLINES COMMON STOCK 844741108 222 10660 SH
STANLEY WORKS COMMON STOCK 854616109 807 30600 SH
STAPLES INCORPORATED COMMON STOCK 855030102 2423 121173 SH
STAPLES INCORPORATED COMMON STOCK 855030102 20 1000 SH
STAPLES INCORPORATED COMMON STOCK 855030102 268 13400 SH
STARBUCKS CORP COMMON STOCK 855244109 932 20800 SH
STARBUCKS CORP COMMON STOCK 855244109 90 2000 SH
SUNTRUST BANKS INC COMMON STOCK 867914103 12 200 SH
SUNTRUST BANKS INC COMMON STOCK 867914103 1824 31584 SH
TEMPLETON MUTUAL FUNDS - 880196209 514 48521 SH
TEMPLETON MUTUAL FUNDS - 880196209 54 5076 SH
TEXACO INC COMMON STOCK 881694103 1144 21289 SH
TEXACO INC COMMON STOCK 881694103 1 22 SH
TEXACO INC COMMON STOCK 881694103 125 2325 SH
TYCO INTL LTD COMMON STOCK 902124106 2969 59232 SH
TYCO INTL LTD COMMON STOCK 902124106 601 11986 SH
UNILEVER NV COMMON STOCK 904784709 367 7636 SH
UNILEVER NV COMMON STOCK 904784709 231 4799 SH
U S WEST INC NEW COMMON STOCK 91273H101 615 8475 SH
U S WEST INC NEW COMMON STOCK 91273H101 275 3789 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 63 1000 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 51 800 SH
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 253 4000 SH
WACHOVIA CORP. COMMON STOCK 929771103 790 11695 SH
WACHOVIA CORP. COMMON STOCK 929771103 413 6120 SH
WALMART STORES INC COMMON STOCK 931142103 492 8715 SH
WALMART STORES INC COMMON STOCK 931142103 184 3260 SH
WARNER LAMBERT CO COMMON STOCK 934488107 721 7380 SH
WARNER LAMBERT CO COMMON STOCK 934488107 270 2760 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 611 15000 SH
WELLS FARGO & CO NEW COMMON STOCK 949746101 13 325 SH
WISCONSIN ENERGY CORP COMMON STOCK 976657106 129 6490 SH
WISCONSIN ENERGY CORP COMMON STOCK 976657106 98 4900 SH
GLOBAL CROSSING LTD COMMON STOCK G3921A100 336 8200 SH
TRANSOCEAN SEDCO FOREX INC COMMON STOCK G90078109 357 6957 SH
TRANSOCEAN SEDCO FOREX INC COMMON STOCK G90078109 26 503 SH
TRANSOCEAN SEDCO FOREX INC COMMON STOCK G90078109 80 1554 SH
NAME OF ISSUER INVSTMT OTHER VOTING AUTHORITY
SECURITY NAME DISCRTN MANAGERS SOLE SHARED NONE
AT&T CORP SOLE 12626
AT&T CORP OTHER 4473
ABBOTT LABORATORIES SOLE 10880
ABBOTT LABORATORIES OTHER 8600
AIR PRODUCTS & CHEMICALS INC SOLE 32744
AIR PRODUCTS & CHEMICALS INC OTHER 7200
AIRBORNE FREIGHT CORP SOLE 10000
AIRBORNE FREIGHT CORP OTHER 1500
ALBERTSON'S INC SOLE 44275
ALBERTSON'S INC DEFINED 1000
ALBERTSON'S INC OTHER 4600
ALCOA INC SOLE 38480
ALCOA INC OTHER 2800
AMERICAN HOME PRODUCTS SOLE 45075
AMERICAN HOME PRODUCTS OTHER 2000
AMERICAN HOME PRODUCTS OTHER 42950
AMER INTL GROUP INC SOLE 48171
AMER INTL GROUP INC DEFINED 903
AMER INTL GROUP INC OTHER 6886
ANALOG DEVICES, INC. SOLE 9900
ANHEUSER BUSCH CO SOLE 12700
ANHEUSER BUSCH CO OTHER 740
ANHEUSER BUSCH CO OTHER 20400
ARROW SOLE 1011190
ARROW OTHER 52924
ATLANTIC RICHFIELD CO SOLE 10887
ATLANTIC RICHFIELD CO OTHER 7782
AUTOMATIC DATA PROCESSING SOLE 77195
AUTOMATIC DATA PROCESSING DEFINED 1200
AUTOMATIC DATA PROCESSING OTHER 13375
BCE INC OTHER 4000
BP AMOCO PLC SPON ADR SOLE 62389
BP AMOCO PLC SPON ADR DEFINED 1058
BP AMOCO PLC SPON ADR OTHER 1058
BP AMOCO PLC SPON ADR OTHER 34842
BT SOLE 1116060
BT DEFINED 50960
BT OTHER 1067
BT OTHER 59438
BANK OF NY CO INC DEFINED 11800
BANK ONE CORP SOLE 53046
BANK ONE CORP DEFINED 1650
BANK ONE CORP OTHER 12754
BANKNORTH GROUP, INC. SOLE 34836
BANKNORTH GROUP, INC. OTHER 10718
BAXTER INTL INC SOLE 11450
BAXTER INTL INC OTHER 4169
BELL ATLANTIC CORP SOLE 21375
BELL ATLANTIC CORP DEFINED 1469
BELL ATLANTIC CORP OTHER 11052
BELLSOUTH CORP SOLE 69014
BELLSOUTH CORP DEFINED 1140
BELLSOUTH CORP OTHER 23636
BESTFOODS INC SOLE 88598
BESTFOODS INC DEFINED 800
BESTFOODS INC OTHER 13205
BOEING COMPANY SOLE 5166
BOEING COMPANY OTHER 2350
BRISTOL MYERS SQUIBB SOLE 139047
BRISTOL MYERS SQUIBB OTHER 40230
BURLINGTON RESOURCES INC SOLE 21550
BURLINGTON RESOURCES INC OTHER 4550
CARNIVAL CORP SOLE 12150
CARNIVAL CORP OTHER 1400
CELGENE CORP SOLE 8000
CHEVRON CORP SOLE 16646
CHEVRON CORP OTHER 5222
CISCO SYSTEMS SOLE 183294
CISCO SYSTEMS DEFINED 2400
CISCO SYSTEMS OTHER 26700
CITIGROUP INC SOLE 31067
CITIGROUP INC OTHER 1905
COCA COLA CO. SOLE 2330
COCA COLA CO. OTHER 2578
COLGATE-PALMOLIVE CO SOLE 200
COLGATE-PALMOLIVE CO OTHER 4000
COMPUTER SCIENCES CORP SOLE 17742
COMPUTER SCIENCES CORP OTHER 1300
CORNING INC SOLE 2400
CORNING INC OTHER 2600
WALT DISNEY COMPANY SOLE 106914
WALT DISNEY COMPANY DEFINED 5000
WALT DISNEY COMPANY OTHER 29700
DOVER CORP SOLE 30100
DOVER CORP OTHER 450
DOW CHEMICAL CO SOLE 300
DOW CHEMICAL CO OTHER 150
DOW CHEMICAL CO OTHER 1900
EI DUPONT DE NEMOURS & CO SOLE 62397
EI DUPONT DE NEMOURS & CO DEFINED 4500
EI DUPONT DE NEMOURS & CO OTHER 15025
DUKE ENERGY CORP SOLE 35900
DUKE ENERGY CORP DEFINED 2800
DUKE ENERGY CORP OTHER 2450
EMC CORP SOLE 34035
EMC CORP DEFINED 1000
EMC CORP OTHER 5525
EASTMAN KODAK CO SOLE 3852
EMERSON ELECTRIC CO SOLE 7150
EMERSON ELECTRIC CO OTHER 11350
ENRON CORP SOLE 43330
ENRON CORP OTHER 16550
EQUITY INV FD SOLE 29872
EXXON MOBIL CORP SOLE 110499
EXXON MOBIL CORP DEFINED 6357
EXXON MOBIL CORP OTHER 34727
FED HOME LOAN MTG CORP SOLE 10000
FED NATL MORT ASSOC SOLE 58315
FED NATL MORT ASSOC OTHER 12585
FEDERATED FD US GOVT SECS INC SOLE 10009
FIDELITY SOLE 13318
FIDELITY SOLE 16401
FIDELITY SOLE 10835
FIDELITY SOLE 13501
FIDELITY DEFINED 27333
FIDELITY OTHER 464
FIDELITY SOLE 19858
FIDELITY SOLE 13430
FIFTH THIRD BANCORP SOLE 12750
FIFTH THIRD BANCORP OTHER 637
FORTUNE BRANDS INC SOLE 13345
FORTUNE BRANDS INC DEFINED 636
FRANKLIN SOLE 151547
FRANKLIN DEFINED 27107
FRANKLIN OTHER 6975
GTE CORP SOLE 12302
GTE CORP DEFINED 138
GTE CORP OTHER 7960
GALLAHER GROUP SOLE 12050
GAM SOLE 1116
GAM DEFINED 5822
GAM OTHER 3241
GANNETT COMPANY INC SOLE 1900
GANNETT COMPANY INC OTHER 1400
GAP, INC. SOLE 72118
GAP, INC. OTHER 15861
GENERAL ELECTRIC CO SOLE 137857
GENERAL ELECTRIC CO DEFINED 2920
GENERAL ELECTRIC CO OTHER 1934
GENERAL ELECTRIC CO OTHER 67285
GILLETTE CO SOLE 15550
GILLETTE CO DEFINED 904
GILLETTE CO OTHER 550
GILLETTE CO OTHER 6400
HALLIBURTON CO SOLE 13600
HALLIBURTON CO OTHER 2800
HARLEY DAVIDSON INC SOLE 66027
HARLEY DAVIDSON INC OTHER 3125
HARTFORD LIFE, INC. SOLE 36365
HARTFORD LIFE, INC. OTHER 13575
H J HEINZ CO SOLE 8850
H J HEINZ CO OTHER 25500
HEWLETT PACKARD CO SOLE 74740
HEWLETT PACKARD CO DEFINED 3525
HEWLETT PACKARD CO OTHER 30545
HOME DEPOT SOLE 64923
HOME DEPOT OTHER 18250
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 81331
INTEL CORP DEFINED 4500
INTEL CORP OTHER 35235
INTL BUSINESS MACHINES SOLE 27432
INTL BUSINESS MACHINES DEFINED 231
INTL BUSINESS MACHINES OTHER 8852
JACOBS ENGINEERING GROUP INC. SOLE 12900
JACOBS ENGINEERING GROUP INC. OTHER 1900
JANUS SOLE 9616
JANUS DEFINED 2538
JOHNSON & JOHNSON SOLE 78607
JOHNSON & JOHNSON DEFINED 3200
JOHNSON & JOHNSON OTHER 1600
JOHNSON & JOHNSON OTHER 32545
KIMBERLY-CLARK CORP SOLE 25010
KIMBERLY-CLARK CORP OTHER 1393
LIBERTY OTHER 18716
ELI LILLY & CO SOLE 3800
ELI LILLY & CO OTHER 2800
LUCENT TECHNOLOGIES INC SOLE 101727
LUCENT TECHNOLOGIES INC DEFINED 7006
LUCENT TECHNOLOGIES INC OTHER 25318
MBIA INC SOLE 9008
MBIA INC DEFINED 800
MBIA INC OTHER 575
MCI WORLDCOM INC SOLE 32986
MCI WORLDCOM INC OTHER 2562
MCDONALDS CORP SOLE 18360
MCDONALDS CORP OTHER 1000
MCDONALDS CORP OTHER 16000
MEDIAONE GROUP INC COM SOLE 1100
MEDIAONE GROUP INC COM OTHER 1500
MEDTRONIC, INC SOLE 45575
MEDTRONIC, INC DEFINED 3500
MEDTRONIC, INC OTHER 3395
MERCK & CO SOLE 77293
MERCK & CO DEFINED 3200
MERCK & CO OTHER 2600
MERCK & CO OTHER 42590
MICROSOFT CORP. SOLE 83348
MICROSOFT CORP. OTHER 12630
MINN MINING & MANUFACTURING CO SOLE 6430
MINN MINING & MANUFACTURING CO DEFINED 2000
MINN MINING & MANUFACTURING CO OTHER 6130
MONSANTO CO SOLE 6270
MONSANTO CO OTHER 800
J P MORGAN & CO SOLE 5909
J P MORGAN & CO OTHER 1350
MOTOROLA INC SOLE 3086
MOTOROLA INC OTHER 1900
FRANKLIN OTHER 16384
NUCOR CORP SOLE 6300
NUCOR CORP OTHER 225
ORACLE CORP SOLE 58969
ORACLE CORP OTHER 2500
PEPSICO INC SOLE 178601
PEPSICO INC DEFINED 6400
PEPSICO INC OTHER 2500
PEPSICO INC OTHER 87342
PFIZER INC SOLE 91887
PFIZER INC OTHER 41035
PHILIP MORRIS COS INC SOLE 10099
PHILIP MORRIS COS INC OTHER 19100
PITNEY BOWES INC SOLE 7200
PITNEY BOWES INC OTHER 2200
PRAXAIR, INC. SOLE 16590
PROCTER & GAMBLE CO SOLE 57396
PROCTER & GAMBLE CO DEFINED 2600
PROCTER & GAMBLE CO OTHER 800
PROCTER & GAMBLE CO OTHER 25034
PUTNAM NY TAX EXEMPT INCOME SOLE 7292
PUTNAM NY TAX EXEMPT INCOME OTHER 22049
QUALCOMM INC SOLE 2200
ROYAL DUTCH PETROLEUM CO SOLE 15396
ROYAL DUTCH PETROLEUM CO OTHER 800
ROYAL DUTCH PETROLEUM CO OTHER 10400
SBC COMMUNICATIONS INC SOLE 31132
SBC COMMUNICATIONS INC DEFINED 6298
SBC COMMUNICATIONS INC OTHER 7272
SARA LEE CORP SOLE 31100
SARA LEE CORP DEFINED 6000
SARA LEE CORP OTHER 200
SARA LEE CORP OTHER 10500
SCHLUMBERGER LTD SOLE 36710
SCHLUMBERGER LTD DEFINED 2600
SCHLUMBERGER LTD OTHER 10375
CHARLES SCHWAB CO. SOLE 113576
CHARLES SCHWAB CO. OTHER 3666
SONOCO PRODUCTS SOLE 12430
SOUTHWEST AIRLINES SOLE 10660
STANLEY WORKS SOLE 30600
STAPLES INCORPORATED SOLE 121173
STAPLES INCORPORATED DEFINED 1000
STAPLES INCORPORATED OTHER 13400
STARBUCKS CORP SOLE 20800
STARBUCKS CORP OTHER 2000
SUNTRUST BANKS INC SOLE 200
SUNTRUST BANKS INC OTHER 31584
TEMPLETON DEFINED 48521
TEMPLETON OTHER 5076
TEXACO INC SOLE 21289
TEXACO INC DEFINED 22
TEXACO INC OTHER 2325
TYCO INTL LTD SOLE 59232
TYCO INTL LTD OTHER 1046
TYCO INTL LTD OTHER 10940
UNILEVER NV SOLE 7636
UNILEVER NV OTHER 4799
U S WEST INC NEW SOLE 8475
U S WEST INC NEW OTHER 3789
UNITED TECHNOLOGIES CORP SOLE 1000
UNITED TECHNOLOGIES CORP DEFINED 800
UNITED TECHNOLOGIES CORP OTHER 4000
WACHOVIA CORP. SOLE 11695
WACHOVIA CORP. OTHER 6120
WALMART STORES INC SOLE 8715
WALMART STORES INC OTHER 3260
WARNER LAMBERT CO SOLE 7380
WARNER LAMBERT CO OTHER 2760
WELLS FARGO & CO NEW SOLE 15000
WELLS FARGO & CO NEW OTHER 325
WISCONSIN ENERGY CORP SOLE 6490
WISCONSIN ENERGY CORP OTHER 4900
GLOBAL CROSSING LTD SOLE 8200
TRANSOCEAN SEDCO FOREX INC SOLE 6957
TRANSOCEAN SEDCO FOREX INC DEFINED 503
TRANSOCEAN SEDCO FOREX INC OTHER 1554
</TABLE>
