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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 3/31/99
CHECK HERE IF AMENDMENT ( ); AMENDMENT NUMBER:
THIS AMENDMENT (CHECK ONLY ONE.): ( ) IS A RESTATEMENT.
( ) ADDS NEW HOLDINGS ENTRIES
INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT:
NAME: NORWEST BANK TEXAS, N.A.
ADDRESS: 1500 BROADWAY
P.O. BOX 1241
LUBBOCK, TX 79408
13F FILE NUMBER: 28-4962
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: B.J. MCDANIEL
TITLE: VICE PRESIDENT
PHONE: (210) 856-5103
SIGNATURE,PLACE,AND DATE OF SIGNING:
B.J. MCDANIEL LUBBOCK, TX 4/15/99
REPORT TYPE (CHECK ONLY ONE.):
(X) 13F HOLDINGS REPORT
( ) 13F NOTICE
( ) 13F COMBINATION REPORT
LIST OF OTHER MANAGERS REPORTING FOR THIS MANAGER:
NONE
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: 1,597
FORM 13F INFORMATION TABLE VALUE TOTAL: $326,010,616
<PAGE>
<TABLE>
<S> <C>
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
A G EDWARDS COMPANY COMMON COMMON STOCK 281760108 66 2020 SH DEFINED 1405 0 615
A G EDWARDS COMPANY COMMON COMMON STOCK 281760108 20 615 SH OTHER 0 0 615
A M P INC COMMON STOCK 031897101 118 2198 SH DEFINED 2198 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 1188 25370 SH DEFINED 25370 0 0
ADAMS EXPRESS CO COMMON STOCK 006212104 1 25 SH DEFINED 25 0 0
AIR PRODUCTS & CHEMICALS COMMON STOCK 009158106 158 4600 SH DEFINED 0 0 4600
AIRTOUCH COMM COMMON STOCK 00949T100 289 2989 SH DEFINED 2989 0 0
AIRTOUCH COMM COMMON STOCK 00949T100 87 900 SH OTHER 900 0 0
ALCOA INC COMMON STOCK 013817101 1153 28000 SH DEFINED 28000 0 0
ALIANT COMMUNICATIONS INC COMMON STOCK 016090102 82 2000 SH DEFINED 2000 0 0
ALLEGHENY ENERGY INC COMMON STOCK 017361106 12 400 SH DEFINED 400 0 0
ALLIED SIGNAL INCORPORATED COMMON STOCK 019512102 771 15676 SH DEFINED 15446 0 230
ALLIED SIGNAL INCORPORATED COMMON STOCK 019512102 207 4203 SH OTHER 4203 0 0
ALLMERICA FINL CORP COMMON STOCK 019754100 58 1053 SH DEFINED 1053 0 0
ALLMERICA FINL CORP COMMON STOCK 019754100 58 1053 SH OTHER 1053 0 0
ALLSTATE CORP COMMON COMMON STOCK 020002101 932 25148 SH DEFINED 23016 0 2132
ALLSTATE CORP COMMON COMMON STOCK 020002101 59 1600 SH OTHER 1600 0 0
ALLTEL CORPORATION COMMON STOCK 020039103 14 227 SH DEFINED 227 0 0
ALLTEL CORPORATION COMMON STOCK 020039103 31 500 SH OTHER 500 0 0
AMEREN CORP COMMON STOCK 023608102 5 150 SH DEFINED 150 0 0
AMEREN CORP COMMON STOCK 023608102 23 648 SH OTHER 648 0 0
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 154 1050 SH DEFINED 950 0 100
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 44 300 SH OTHER 300 0 0
AMERICAN ELECTRIC POWER INC COMMON STOCK 025537101 29 725 SH DEFINED 725 0 0
AMERICAN ELECTRIC POWER INC COMMON STOCK 025537101 13 332 SH OTHER 332 0 0
AMERICAN EXPRESS COMMON STOCK 025816109 606 5150 SH DEFINED 5150 0 0
AMERICAN EXPRESS COMMON STOCK 025816109 59 500 SH OTHER 500 0 0
AMERICAN GENERAL CORP COMMON STOCK 026351106 355 5032 SH DEFINED 5032 0 0
AMERICAN GENERAL CORP COMMON STOCK 026351106 183 2595 SH OTHER 2595 0 0
AMERICAN HEALTH PPTYS INC COMMON STOCK 026494104 18 1000 SH DEFINED 1000 0 0
AMERICAN HOME PRODUCTS CORP. COMMON STOCK 026609107 2209 33848 SH DEFINED 22750 0 11098
AMERICAN HOME PRODUCTS CORP. COMMON STOCK 026609107 100 1525 SH OTHER 1525 0 0
AMERICAN INTERNATIONAL GROUP I COMMON STOCK 026874107 2632 21816 SH DEFINED 21431 0 385
AMERICAN INTERNATIONAL GROUP I COMMON STOCK 026874107 603 5001 SH OTHER 5001 0 0
AMERICAN NAT'L INSURANCE CO. COMMON STOCK 028591105 114 1705 SH DEFINED 1705 0 0
AMERICAN PWR CONVERSION CORP COMMON STOCK 029066107 8 300 SH DEFINED 300 0 0
AMERICAN STORES COMPANY COMMON STOCK 030096101 1160 35148 SH DEFINED 34248 0 900
AMERITECH CORPORATION COMMON STOCK 030954101 351 6090 SH DEFINED 5790 0 300
AMERITECH CORPORATION COMMON STOCK 030954101 88 1524 SH OTHER 1524 0 0
AMGEN INCORPORATED COMMON COMMON STOCK 031162100 90 1200 SH DEFINED 1200 0 0
ANADARKO PETROLEUM CORP COMMON STOCK 032511107 6 172 SH DEFINED 172 0 0
APPLE COMPUTER INCORPORATED COMMON STOCK 037833100 18 500 SH DEFINED 500 0 0
APPLIED MATERIALS COMMON STOCK 038222105 80 1300 SH OTHER 1300 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 12 784 SH DEFINED 784 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 2 115 SH OTHER 115 0 0
ARROW ELECTRONICS, INC. COMMON STOCK 042735100 28 1836 SH DEFINED 1836 0 0
ASHLAND, INC COMMON STOCK 044204105 31 750 SH OTHER 750 0 0
ASSOCIATES FIRST CAP CORP COMMON STOCK 046008108 25 550 SH DEFINED 550 0 0
ASSOCIATES FIRST CAP CORP COMMON STOCK 046008108 13 290 SH OTHER 0 290 0
AT & T CORP COMMON STOCK 001957109 4538 56860 SH DEFINED 52685 0 4175
AT & T CORP COMMON STOCK 001957109 480 6009 SH OTHER 5572 437 0
ATLANTIC RICHFIELD COMPANY COMMON STOCK 048825103 1585 21673 SH DEFINED 21673 0 0
ATLANTIC RICHFIELD COMPANY COMMON STOCK 048825103 137 1871 SH OTHER 1871 0 0
AUTOLIV INC COMMON STOCK 052800109 86 2295 SH DEFINED 2102 0 193
AUTOLIV INC COMMON STOCK 052800109 23 613 SH OTHER 613 0 0
AUTOMATIC DATA PROCESSING CORP COMMON STOCK 053015103 861 20800 SH DEFINED 20300 0 500
AVISTA CORP COMMON STOCK 05379B107 7 400 SH OTHER 400 0 0
BAKER HUGHES,INC COMMON STOCK 057224107 93 3840 SH DEFINED 3840 0 0
BALTIMORE GAS & ELECTRIC COMMON STOCK 059165100 14 570 SH DEFINED 570 0 0
BANC ONE CORP COM COMMON STOCK 06423A103 311 5654 SH DEFINED 5346 0 308
BANC ONE CORP COM COMMON STOCK 06423A103 17 300 SH OTHER 300 0 0
BANK NEW YORK INC COMMON STOCK 064057102 16 448 SH DEFINED 448 0 0
BANKAMERICA CORP NEW COMMON STOCK 06605F102 258 3655 SH DEFINED 3655 0 0
BANKAMERICA CORP NEW COMMON STOCK 06605F102 42 600 SH OTHER 600 0 0
BANKBOSTON CORP COMMON STOCK 06605R106 260 6000 SH OTHER 6000 0 0
BARCLAYS BK PLCADR NT RCPT COMMON STOCK 06738C836 8 300 SH DEFINED 300 0 0
BEAR STERNS COMPANIES COMMON STOCK 073902108 19 425 SH DEFINED 425 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 114 2970 SH DEFINED 2970 0 0
BELL ATLANTIC CORP. COMMON STOCK 077853109 476 9208 SH DEFINED 9208 0 0
BELL ATLANTIC CORP. COMMON STOCK 077853109 121 2343 SH OTHER 2343 0 0
BELLSOUTH CORPORATION COMMON STOCK 079860102 870 21706 SH DEFINED 18106 0 3600
BELLSOUTH CORPORATION COMMON STOCK 079860102 92 2294 SH OTHER 2294 0 0
BELO (A.H.) CORP. COMMON STOCK 080555105 5 300 SH OTHER 300 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670207 120 51 SH DEFINED 51 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670108 14 2 SH DEFINED 2 0 0
BESTFOODS COMMON STOCK 08658U101 680 14460 SH DEFINED 14310 0 150
BESTFOODS COMMON STOCK 08658U101 103 2200 SH OTHER 2200 0 0
BLACK & DECKER CORP COMMON STOCK 091797100 133 2400 SH DEFINED 2400 0 0
BOEING COMPANY COMMON STOCK 097023105 417 12250 SH DEFINED 12150 0 100
BOEING COMPANY COMMON STOCK 097023105 75 2200 SH OTHER 2200 0 0
BP AMOCO P L C COMMON STOCK 055622104 1001 9914 SH DEFINED 9914 0 0
BP AMOCO P L C COMMON STOCK 055622104 571 5652 SH OTHER 5652 0 0
BP PRUDHOE BAY RTY TR COMMON STOCK 055630107 9 1000 SH DEFINED 1000 0 0
BRADLEY REAL ESTATE INC COMMON STOCK 104580105 36 2000 SH DEFINED 2000 0 0
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 4897 76361 SH DEFINED 67813 0 8548
BRISTOL MYERS SQUIBB COMMON STOCK 110122108 282 4400 SH OTHER 4400 0 0
BROWNING-FERRIS INDUSTRIES,INC COMMON STOCK 115885105 17 450 SH DEFINED 450 0 0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK 12189T104 236 7182 SH DEFINED 2457 0 4725
BURLINGTON NORTHN SANTA FE COR COMMON STOCK 12189T104 13 387 SH OTHER 387 0 0
BURLINGTON RESOURCES COMMON STOCK 122014103 19 475 SH DEFINED 475 0 0
CAMPBELLS SOUP COMPANY COMMON STOCK 134429109 146 3600 SH DEFINED 3600 0 0
CAROLINA POWER & LIGHT COMMON STOCK 144141108 15 400 SH DEFINED 400 0 0
CAROLINA POWER & LIGHT COMMON STOCK 144141108 15 400 SH OTHER 400 0 0
CATERPILLAR,INC. COMMON STOCK 149123101 121 2644 SH DEFINED 2644 0 0
CAVALIER HOMES INC COMMON STOCK 149507105 491 50973 SH DEFINED 47842 0 3131
CBS CORP COMMON STOCK 12490K107 1122 27500 SH DEFINED 27500 0 0
CBS CORP COMMON STOCK 12490K107 4 100 SH OTHER 100 0 0
CENTRAL & SOUTH WEST CORPORATI COMMON STOCK 152357109 210 8954 SH DEFINED 8954 0 0
CENTRAL & SOUTH WEST CORPORATI COMMON STOCK 152357109 14 600 SH OTHER 600 0 0
CHAMPION INTL CORP COMMON STOCK 158525105 6 138 SH DEFINED 138 0 0
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 120 1474 SH DEFINED 1474 0 0
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 77 948 SH OTHER 948 0 0
CHEVRON CORPORATION COMMON STOCK 166751107 4402 49604 SH DEFINED 46254 0 3350
CHEVRON CORPORATION COMMON STOCK 166751107 207 2327 SH OTHER 2327 0 0
CHUBB CORPORATION COMMON COMMON STOCK 171232101 231 3950 SH DEFINED 3200 0 750
CIGNA CORP COMMON STOCK 125509109 19 225 SH DEFINED 225 0 0
CILCORP INC COMMON STOCK 171794100 10 166 SH DEFINED 166 0 0
CINERGY CORP COMMON STOCK 172474108 7 250 SH DEFINED 250 0 0
CINERGY CORP COMMON STOCK 172474108 12 450 SH OTHER 450 0 0
CISCO SYSTEMS, INC. COMMON STOCK 17275R102 356 3251 SH DEFINED 2614 0 637
CISCO SYSTEMS, INC. COMMON STOCK 17275R102 179 1630 SH OTHER 1630 0 0
CITIGROUP INCCOM COMMON STOCK 172967101 6550 102543 SH DEFINED 102168 0 375
CITIGROUP INCCOM COMMON STOCK 172967101 89 1400 SH OTHER 1400 0 0
CITIZENS UTILITIES CO DEL COMMON STOCK 177342201 553 71365 SH DEFINED 71365 0 0
COCA COLA COMPANY COMMON STOCK 191216100 6480 105579 SH DEFINED 102218 0 3361
COCA COLA COMPANY COMMON STOCK 191216100 83 1350 SH OTHER 1350 0 0
COEUR D ALENE MINES CORP IDAHO COMMON STOCK 192108108 0 102 SH DEFINED 102 0 0
COLGATE PALMOLIVE CO. COMMON STOCK 194162103 156 1696 SH DEFINED 496 0 1200
COLGATE PALMOLIVE CO. COMMON STOCK 194162103 44 475 SH OTHER 475 0 0
COLUMBIA/ HCA HEALTHCARE CORP COMMON STOCK 197677107 27 1450 SH DEFINED 1450 0 0
COMPAQ COMPUTER CORPORATION COMMON STOCK 204493100 1844 58201 SH DEFINED 50806 0 7395
COMPAQ COMPUTER CORPORATION COMMON STOCK 204493100 246 7750 SH OTHER 7750 0 0
COMPASS BANCSHARES INC COMMON STOCK 20449H109 65 1875 SH DEFINED 1875 0 0
COMPASS BANCSHARES INC COMMON STOCK 20449H109 10 300 SH OTHER 300 0 0
COMPUTER ASSOC INTL INC COMMON STOCK 204912109 7 200 SH DEFINED 200 0 0
CONEXANT SYS INC COMMON STOCK 207142100 17 600 SH DEFINED 600 0 0
CONSECO INC COMMON COMMON STOCK 208464107 25 802 SH DEFINED 802 0 0
CONSECO INC COMMON COMMON STOCK 208464107 46 1499 SH OTHER 1499 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 41 900 SH DEFINED 900 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 23 500 SH OTHER 500 0 0
CONSOLIDATED NATURAL GAS CO. COMMON STOCK 209615103 39 800 SH DEFINED 800 0 0
CONSOLIDATED NATURAL GAS CO. COMMON STOCK 209615103 39 800 SH OTHER 800 0 0
COOPER TIRE & RUBBER CO COMMON STOCK 216831107 15 800 SH DEFINED 800 0 0
CORN PRODS INTL INC COMMON STOCK 219023108 5 218 SH DEFINED 200 0 18
CORN PRODS INTL INC COMMON STOCK 219023108 7 275 SH OTHER 275 0 0
CORPORATE EXPRESS INC COMMON STOCK 219888104 5 1000 SH DEFINED 1000 0 0
CROWN CORK & SEAL INCORPORATED COMMON STOCK 228255105 6 200 SH DEFINED 200 0 0
CSX CORPORATION COMMON STOCK 126408103 121 3110 SH DEFINED 3110 0 0
CYPRUS AMAX MINERALS COMPANY COMMON STOCK 232809103 85 7000 SH DEFINED 7000 0 0
DAIMLER-CHRYSLER AG COMMON STOCK D1668R123 11 124 SH DEFINED 124 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 50 2400 SH DEFINED 2400 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 5 250 SH OTHER 0 250 0
DATA DIMENSIONS INC COMMON STOCK 237654207 1 297 SH DEFINED 297 0 0
DAYTON HUDSON CORPORATION COMMON STOCK 239753106 40 600 SH OTHER 600 0 0
DELL COMPUTER COMMON STOCK 247025109 176 4296 SH DEFINED 4296 0 0
DISNEY WALT CO COMMON STOCK 254687106 1276 40990 SH DEFINED 40490 0 500
DISNEY WALT CO COMMON STOCK 254687106 47 1500 SH OTHER 1500 0 0
DOMINION RESOURCES INC VA COMMON STOCK 257470104 2 60 SH OTHER 60 0 0
DOVER CORP COMMON STOCK 260003108 15 450 SH DEFINED 450 0 0
DOW CHEMICAL COMMON STOCK 260543103 2458 26375 SH DEFINED 24875 0 1500
DOW CHEMICAL COMMON STOCK 260543103 14 150 SH OTHER 150 0 0
DPL INC COMMON STOCK 233293109 6 337 SH DEFINED 337 0 0
DQE INCORPORATED COMMON STOCK 23329J104 1 25 SH DEFINED 25 0 0
DU PONT E I DE NEMOURS & CO CO COMMON STOCK 263534109 4720 81285 SH DEFINED 81040 0 245
DU PONT E I DE NEMOURS & CO CO COMMON STOCK 263534109 115 1974 SH OTHER 1974 0 0
DUKE ENERGY CORP. COMMON STOCK 264399106 632 11524 SH DEFINED 8392 0 3132
DUKE ENERGY CORP. COMMON STOCK 264399106 97 1765 SH OTHER 1765 0 0
DUN & BRADSTREET CORP DEL COMMON STOCK 26483B106 351 9865 SH DEFINED 9365 0 500
DUN & BRADSTREET CORP DEL COMMON STOCK 26483B106 16 450 SH OTHER 450 0 0
E M C CORP MASS COMMON STOCK 268648102 459 3590 SH DEFINED 3590 0 0
EASTMAN CHEMICAL COMPANY COMMON STOCK 277432100 36 848 SH DEFINED 848 0 0
EASTMAN KODAK CO COMMON STOCK 277461109 417 6531 SH DEFINED 6331 0 200
EATON CORPORATION COMMON W/RIG COMMON STOCK 278058102 161 2250 SH DEFINED 2250 0 0
EATON CORPORATION COMMON W/RIG COMMON STOCK 278058102 32 450 SH OTHER 450 0 0
EDISON INTL COMMON STOCK 281020107 43 1925 SH DEFINED 1925 0 0
EDISON INTL COMMON STOCK 281020107 93 4200 SH OTHER 4200 0 0
EDPERBRASCAN CORP COMMON STOCK 280905803 0 25 SH DEFINED 25 0 0
EL PASO ENERGY CORP DEL COMMON STOCK 283905107 24 739 SH DEFINED 739 0 0
EL PASO ENERGY CORP DEL COMMON STOCK 283905107 24 738 SH OTHER 738 0 0
ELECTRONIC DATA SYS CORP NEW COMMON STOCK 285661104 625 12836 SH DEFINED 12611 0 225
ELECTRONIC DATA SYS CORP NEW COMMON STOCK 285661104 73 1500 SH OTHER 1500 0 0
ELI LILLY & COMPANY COMMON COMMON STOCK 532457108 190 2233 SH DEFINED 1475 0 758
EMERSON ELECTRIC COMPANY COMMON STOCK 291011104 1378 26028 SH DEFINED 22453 0 3575
EMERSON ELECTRIC COMPANY COMMON STOCK 291011104 185 3500 SH OTHER 3000 0 500
ENERGY EAST CORP COMMON STOCK 29266M109 0 1 SH DEFINED 1 0 0
ENERGY EAST CORP COMMON STOCK 29266M109 13 241 SH OTHER 241 0 0
ENRON CORP COMMON STOCK 293561106 3 49 SH DEFINED 49 0 0
ENRON CORP COMMON STOCK 293561106 13 200 SH OTHER 200 0 0
ENTERGY CORP.(NEW) COMMON STOCK 29364G103 426 15500 SH DEFINED 10050 0 5450
ENTERGY CORP.(NEW) COMMON STOCK 29364G103 3 100 SH OTHER 100 0 0
EQUITY INCOME FUND INC UNIT 1S COMMON STOCK 294700703 165 930 SH DEFINED 930 0 0
EXCO RES INC COMMON STOCK 269279204 15 2332 SH DEFINED 2332 0 0
EXCO RES INC COMMON STOCK 269279204 15 2332 SH OTHER 2332 0 0
EXXON CORP. COMMON STOCK 302290101 38361 543639 SH DEFINED 537202 0 6437
EXXON CORP. COMMON STOCK 302290101 3042 43104 SH OTHER 41272 832 1000
FED NATL MTG ASSN COMMON STOCK 313586109 4342 62700 SH DEFINED 60985 0 1715
FED NATL MTG ASSN COMMON STOCK 313586109 390 5625 SH OTHER 5625 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 346 5252 SH DEFINED 4765 0 487
FIRST DATA CORP COMMON STOCK 319963104 209 4900 SH DEFINED 900 0 4000
FIRST DATA CORP COMMON STOCK 319963104 86 2000 SH OTHER 2000 0 0
FIRST UNION CORP COMMON STOCK 337358105 168 3150 SH DEFINED 3150 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 2 58 SH OTHER 58 0 0
FLORIDA PROGRESS CORP. COMMON STOCK 341109106 8 200 SH DEFINED 200 0 0
FLUOR CORPORATION COMMON STOCK 343861100 12 450 SH DEFINED 450 0 0
FORD MOTOR CO. COMMON STOCK 345370100 753 13286 SH DEFINED 13085 0 201
FORD MOTOR CO. COMMON STOCK 345370100 165 2912 SH OTHER 2356 556 0
FORTUNE BRANDS INC COMMON STOCK 349631101 522 13564 SH DEFINED 13564 0 0
FRONTIER CORP COMMON STOCK 35906P105 311 6000 SH DEFINED 6000 0 0
GALLAHER GROUP PLC COMMON STOCK 363595109 319 13564 SH DEFINED 13564 0 0
GANNETT COMPANY, INC. COMMON STOCK 364730101 577 9165 SH DEFINED 9065 0 100
GAP INCORPORATED COMMON COMMON STOCK 364760108 17 250 SH DEFINED 250 0 0
GENENTECH INC COMMON STOCK 368710307 18 200 SH OTHER 0 0 200
GENERAL ELECTRIC COMPANY COMMON STOCK 369604103 12268 110893 SH DEFINED 97540 0 13353
GENERAL ELECTRIC COMPANY COMMON STOCK 369604103 1068 9656 SH OTHER 9656 0 0
GENERAL MILLS INCORPORATED COMMON STOCK 370334104 283 3750 SH DEFINED 3750 0 0
GENERAL MILLS INCORPORATED COMMON STOCK 370334104 680 9000 SH OTHER 8750 250 0
GENERAL MOTORS CORP COMMON STOCK 370442105 4034 46373 SH DEFINED 43798 0 2575
GENERAL MOTORS CORP COMMON STOCK 370442105 157 1800 SH OTHER 1800 0 0
GENERAL MOTORS CORP CLASS H COMMON STOCK 370442832 170 3368 SH DEFINED 3368 0 0
GILLETTE COMPANY COMMON STOCK 375766102 1561 26270 SH DEFINED 17620 0 8650
GILLETTE COMPANY COMMON STOCK 375766102 176 2968 SH OTHER 2968 0 0
GLAXO WELLCOME PLC ADR COMMON STOCK 37733W105 29 433 SH DEFINED 433 0 0
GLAXO WELLCOME PLC ADR COMMON STOCK 37733W105 13 200 SH OTHER 200 0 0
GLOBAL INDS LTD COMMON STOCK 379336100 5 500 SH DEFINED 500 0 0
GOLDFIELD CORP COMMON STOCK 381370105 0 100 SH DEFINED 100 0 0
GOODYEAR TIRE & RUBBER COMPANY COMMON STOCK 382550101 112 2254 SH DEFINED 2254 0 0
GPU INC COMMON STOCK 36225X100 11 300 SH DEFINED 300 0 0
GRACE W R & CO DEL NEW COMMON STOCK 38388F108 32 2670 SH DEFINED 2670 0 0
GRAINGER W W INCORPORATED COMMON STOCK 384802104 69 1600 SH OTHER 1600 0 0
GREAT LAKES CHEMICAL COMMON STOCK 390568103 77 2100 SH DEFINED 600 0 1500
GTE CORPORATION COMMON STOCK 362320103 1353 22369 SH DEFINED 21694 0 675
GTE CORPORATION COMMON STOCK 362320103 118 1958 SH OTHER 1958 0 0
GUIDANT CORP COMMON STOCK 401698105 61 1000 SH DEFINED 1000 0 0
HALLIBURTON CO COMMON STOCK 406216101 422 10960 SH DEFINED 10960 0 0
HALLIBURTON CO COMMON STOCK 406216101 58 1500 SH OTHER 1500 0 0
HARTFORD FINL SVCS GROUP INC COMMON STOCK 416515104 193 3396 SH DEFINED 2088 0 1308
HEINZ H J COMPANY COMMON COMMON STOCK 423074103 491 10373 SH DEFINED 10373 0 0
HELMERICH & PAYNE INC COMMON STOCK 423452101 23 1000 SH DEFINED 1000 0 0
HERCULES INC COMMON STOCK 427056106 25 1000 SH DEFINED 775 0 225
HERCULES INC COMMON STOCK 427056106 30 1200 SH OTHER 1200 0 0
HEWLETT PACKARD CO. COMMON STOCK 428236103 1862 27465 SH DEFINED 26715 0 750
HEWLETT PACKARD CO. COMMON STOCK 428236103 159 2345 SH OTHER 2345 0 0
HOME DEPOT, INC. COMMON STOCK 437076102 2113 33940 SH DEFINED 27591 0 6349
HOME DEPOT, INC. COMMON STOCK 437076102 218 3500 SH OTHER 3500 0 0
HONEYWELL INC COMMON STOCK 438506107 773 10195 SH DEFINED 10020 0 175
HONEYWELL INC COMMON STOCK 438506107 21 275 SH OTHER 275 0 0
HOUSEHOLD INTERNATIONAL INC COMMON STOCK 441815107 171 3750 SH OTHER 1350 2400 0
HRPT PPTYS TR COMMON STOCK 40426W101 7 500 SH DEFINED 500 0 0
HUSSMANN INTL INC COMMON STOCK 448110106 28 1875 SH DEFINED 1875 0 0
IBM CORPORATION COMMON STOCK 459200101 16362 92309 SH DEFINED 87780 0 4529
IBM CORPORATION COMMON STOCK 459200101 68 383 SH OTHER 383 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 127 2050 SH DEFINED 2050 0 0
IMATION CORP COMMON STOCK 45245A107 13 810 SH DEFINED 620 0 190
IMS HEALTH INC COMMON STOCK 449934108 625 18880 SH DEFINED 18880 0 0
IMS HEALTH INC COMMON STOCK 449934108 8 250 SH OTHER 250 0 0
INFORMIX CORP COMMON STOCK 456779107 4 500 SH DEFINED 500 0 0
INTEL CORP COMMON STOCK 458140100 2467 20753 SH DEFINED 19800 0 953
INTEL CORP COMMON STOCK 458140100 137 1150 SH OTHER 1150 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 9 212 SH DEFINED 212 0 0
INTERSTATE ENERGY CORP WISC COMMON STOCK 460845100 19 726 SH DEFINED 726 0 0
ITT INDUSTRIES, INC. COMMON STOCK 450911102 46 1308 SH DEFINED 654 0 654
JOHNSON & JOHNSON COMMON STOCK 478160104 4814 51490 SH DEFINED 48540 0 2950
JOHNSON & JOHNSON COMMON STOCK 478160104 47 500 SH OTHER 500 0 0
JOHNSON CONTROLS COMMON COMMON STOCK 478366107 25 400 SH DEFINED 400 0 0
JOHNSON CONTROLS COMMON COMMON STOCK 478366107 25 400 SH OTHER 400 0 0
K MART CORPORATION COMMON STOCK 482584109 36 2150 SH DEFINED 2150 0 0
KANSAS CITY PWR & LGT CO. COMMON STOCK 485134100 54 2200 SH DEFINED 2200 0 0
KANSAS CITY PWR & LGT CO. COMMON STOCK 485134100 20 800 SH OTHER 800 0 0
KERR MCGEE CORP COMMON STOCK 492386107 133 4059 SH DEFINED 4059 0 0
KEY ENERGY SVCS INC COMMON STOCK 492914106 64 13656 SH DEFINED 13656 0 0
KEYCORP NEW COMMON COMMON STOCK 493267108 97 3200 SH DEFINED 3200 0 0
KEYCORP NEW COMMON COMMON STOCK 493267108 45 1500 SH OTHER 1500 0 0
KIMBERLY-CLARK CORP. COMMON STOCK 494368103 662 13800 SH DEFINED 13300 0 500
KROGER CO COMMON STOCK 501044101 91 1525 SH DEFINED 1525 0 0
LEGATO SYSTEMS INC COMMON STOCK 524651106 10 200 SH DEFINED 200 0 0
LEHMAN BROTHERS HOLDINGS INC. COMMON STOCK 524908100 24 400 SH DEFINED 400 0 0
LG & E ENERGY CORP COMMON STOCK 501917108 12 556 SH DEFINED 556 0 0
LOCKHEED MARTIN CORP. COM NEW COMMON STOCK 539830109 25 666 SH DEFINED 666 0 0
LONE STAR INDS INC COMMON STOCK 542290408 24 778 SH DEFINED 778 0 0
LUCENT TECH COMMON STOCK 549463107 5251 48623 SH DEFINED 45689 0 2934
LUCENT TECH COMMON STOCK 549463107 534 4942 SH OTHER 4336 606 0
MAY DEPARTMENT STORES COMMON STOCK 577778103 361 9225 SH DEFINED 5325 0 3900
MAY DEPARTMENT STORES COMMON STOCK 577778103 6 150 SH OTHER 150 0 0
MBNA CORP COMMON STOCK 55262L100 60 2530 SH DEFINED 2530 0 0
MC DONALD'S CORPORATION COMMON STOCK 580135101 1717 37894 SH DEFINED 37894 0 0
MCGRAW HILL COMPANIES INC COMM COMMON STOCK 580645109 350 6430 SH DEFINED 6080 0 350
MCI WORLDCOM INC COMMON STOCK 55268B106 106 1200 SH DEFINED 1200 0 0
MCKESSON HBOC INC COMMON STOCK 58155Q103 210 3182 SH DEFINED 2664 0 518
MDU RESOURCES GROUP COMMON STOCK 552690109 103 4500 SH DEFINED 4500 0 0
MEDIAONE GROUP INC COMMON STOCK 58440J104 88 1390 SH DEFINED 1390 0 0
MEDIAONE GROUP INC COMMON STOCK 58440J104 33 522 SH OTHER 522 0 0
MEDPARTNERS INC NEW COMMON STOCK 58503X107 0 93 SH DEFINED 93 0 0
MEDTRONIC INC COMMON STOCK 585055106 216 3000 SH DEFINED 2830 0 170
MELLON BANK CORPORATION COMMON COMMON STOCK 585509102 70 1000 SH DEFINED 1000 0 0
MELLON BANK CORPORATION COMMON COMMON STOCK 585509102 13 180 SH OTHER 180 0 0
MERCK & CO.,INC COMMON STOCK 589331107 3169 39548 SH DEFINED 39148 0 400
MERCK & CO.,INC COMMON STOCK 589331107 164 2050 SH OTHER 2050 0 0
MERITOR AUTOMOTIVE INC COMMON STOCK 59000G100 5 334 SH DEFINED 334 0 0
MERRILL LYNCH & CO COMMON STOCK 590188108 319 3602 SH DEFINED 2902 0 700
MGIC INVT CORP WIS COMMON STOCK 552848103 35 1000 SH DEFINED 1000 0 0
MICROSOFT CORPORATION COMMON COMMON STOCK 594918104 723 8069 SH DEFINED 7794 0 275
MICROSOFT CORPORATION COMMON COMMON STOCK 594918104 287 3200 SH OTHER 3200 0 0
MIDAS INC COMMON STOCK 595626102 23 687 SH DEFINED 687 0 0
MINNESOTA MINING AND MANUFACTU COMMON STOCK 604059105 1873 26478 SH DEFINED 24253 0 2225
MINNESOTA MINING AND MANUFACTU COMMON STOCK 604059105 39 555 SH OTHER 555 0 0
MINNESOTA POWER & LIGHT COMPAN COMMON STOCK 604110106 6 300 SH DEFINED 300 0 0
MOBIL CORPORATION COMMON STOCK 607059102 4208 47813 SH DEFINED 44013 0 3800
MOBIL CORPORATION COMMON STOCK 607059102 136 1550 SH OTHER 1550 0 0
MONSANTO COMPANY COMMON STOCK 611662107 436 9500 SH DEFINED 9300 0 200
MONSANTO COMPANY COMMON STOCK 611662107 250 5450 SH OTHER 5450 0 0
MORGAN J P & CO INC COMMON STOCK 616880100 2332 18903 SH DEFINED 18803 0 100
MORGAN J P & CO INC COMMON STOCK 616880100 73 590 SH OTHER 590 0 0
MORGAN STANLEY DEAN WITTER & C COMMON STOCK 617446448 19 192 SH DEFINED 192 0 0
MORTON INTL INC IND NEW COMMON STOCK 619335102 900 24485 SH DEFINED 23160 0 1325
MORTON INTL INC IND NEW COMMON STOCK 619335102 70 1900 SH OTHER 1900 0 0
MOTOROLA,INC. COMMON STOCK 620076109 980 13375 SH DEFINED 11575 0 1800
MOTOROLA,INC. COMMON STOCK 620076109 132 1800 SH OTHER 1800 0 0
NCR CORP NEW 7 COMMON STOCK 62886E108 2 38 SH DEFINED 12 0 26
NEOMAGIC CORP COMMON STOCK 640497103 1 100 SH DEFINED 100 0 0
NEW CENTURY ENERGIES INC COMMON STOCK 64352U103 124 3650 SH DEFINED 3650 0 0
NEW CENTURY ENERGIES INC COMMON STOCK 64352U103 115 3383 SH OTHER 2433 0 950
NIELSEN MEDIA RESH INC NEW COMMON STOCK 653929307 19 765 SH DEFINED 765 0 0
NIELSEN MEDIA RESH INC NEW COMMON STOCK 653929307 1 41 SH OTHER 41 0 0
NL INDUSTRIES INCORPORATED COMMON STOCK 629156407 53 5940 SH DEFINED 5940 0 0
NOKIA CORP ADR COMMON STOCK 654902204 74 475 SH DEFINED 375 0 100
NOKIA CORP ADR COMMON STOCK 654902204 23 150 SH OTHER 150 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 109 4125 SH DEFINED 3825 0 300
NORTHERN STS PWR CO MINN COMMON STOCK 665772109 9 400 SH DEFINED 400 0 0
NORTHERN STS PWR CO MINN COMMON STOCK 665772109 9 400 SH OTHER 400 0 0
NOVELL INC COMMON STOCK 670006105 20 800 SH OTHER 800 0 0
OCTEL CORP COM COMMON STOCK 675727101 6 525 SH DEFINED 525 0 0
OFFICEMAX INC COMMON STOCK 67622M108 4 500 SH DEFINED 500 0 0
OGE ENERGY CORP COMMON STOCK 670837103 23 1000 SH DEFINED 1000 0 0
OGE ENERGY CORP COMMON STOCK 670837103 58 2584 SH OTHER 2584 0 0
PACIFICORP COMMON STOCK 695114108 83 4825 SH DEFINED 4825 0 0
PACIFICORP COMMON STOCK 695114108 3 200 SH OTHER 200 0 0
PANHANDLE RTY CO COMMON STOCK 698477106 14 600 SH OTHER 600 0 0
PATTERSON ENERGY INC COMMON STOCK 703414102 67 12000 SH DEFINED 12000 0 0
PENNEY J C INC COMMON STOCK 708160106 182 4500 SH DEFINED 4500 0 0
PENNEY J C INC COMMON STOCK 708160106 32 800 SH OTHER 800 0 0
PENNZENERGY CO COMMON STOCK 70931Q109 2 200 SH DEFINED 200 0 0
PENNZOIL-QUAKER ST CO COMMON STOCK 709323109 2 200 SH DEFINED 200 0 0
PEPSICO INCORPORATED COMMON STOCK 713448108 1808 46135 SH DEFINED 44235 0 1900
PEPSICO INCORPORATED COMMON STOCK 713448108 55 1400 SH OTHER 1400 0 0
PFIZER INCORPORATED COMMON COMMON STOCK 717081103 1375 9910 SH DEFINED 9695 0 215
PFIZER INCORPORATED COMMON COMMON STOCK 717081103 28 200 SH OTHER 200 0 0
PG & E CORP COMMON STOCK 69331C108 110 3530 SH DEFINED 3530 0 0
PHARMACIA & UPJOHN, INC. COMMON STOCK 716941109 522 8366 SH DEFINED 8366 0 0
PHELPS DODGE CORPORATION COMMO COMMON STOCK 717265102 197 4000 SH DEFINED 4000 0 0
PHILIP MORRIS CO COMMON STOCK 718154107 565 16060 SH DEFINED 15683 0 377
PHILIP MORRIS CO COMMON STOCK 718154107 76 2150 SH OTHER 1650 0 500
PHILLIPS PETROLEUM CO. COMMON STOCK 718507106 1521 32188 SH DEFINED 32188 0 0
PIONEER HI BRED INTERNATIONAL COMMON STOCK 723686101 339 9000 SH DEFINED 9000 0 0
PITNEY BOWES INCORPORATED COMMON STOCK 724479100 319 5000 SH DEFINED 4725 0 275
POST PPTYS INC COMMON STOCK 737464107 4 123 SH OTHER 123 0 0
POTOMAC ELECTRIC POWER COMPANY COMMON STOCK 737679100 9 400 SH OTHER 400 0 0
PPG INDUSTRIES INCORPORATED COMMON STOCK 693506107 10 200 SH DEFINED 200 0 0
PPG INDUSTRIES INCORPORATED COMMON STOCK 693506107 16 320 SH OTHER 320 0 0
PRAXAIR,INC. COMMON STOCK 74005P104 1124 31155 SH DEFINED 31155 0 0
PRECEPT BUSINESS SVCS INC COMMON STOCK 740165204 2 171 SH DEFINED 171 0 0
PROCTER & GAMBLE COMPANY COMMON STOCK 742718109 8283 84575 SH DEFINED 81415 0 3160
PROCTER & GAMBLE COMPANY COMMON STOCK 742718109 69 704 SH OTHER 704 0 0
PUBLIC SVC ENTERPRISES GRP INC COMMON STOCK 744573106 81 2125 SH DEFINED 2125 0 0
PUGET SOUND ENERGY INC. COMMON STOCK 745332106 12 500 SH DEFINED 500 0 0
QUAKER OATS COMPANY COMMON STOCK 747402105 563 9045 SH DEFINED 8720 0 325
R H DONNELLEY CORP COMMON STOCK 74955W307 13 855 SH DEFINED 855 0 0
R H DONNELLEY CORP COMMON STOCK 74955W307 1 50 SH OTHER 50 0 0
RAYTHEON CO CL A COMMON STOCK 755111309 244 4229 SH DEFINED 4103 0 126
RAYTHEON CO CL A COMMON STOCK 755111309 7 119 SH OTHER 119 0 0
RAYTHEON CO CL B COMMON STOCK 755111408 449 7664 SH DEFINED 7664 0 0
RELIANT ENERGY INC COMMON STOCK 75952J108 1167 44763 SH DEFINED 42763 0 2000
RELIANT ENERGY INC COMMON STOCK 75952J108 215 8248 SH OTHER 8248 0 0
RESPONSE ONCOLOGY INC COMMON STOCK 761232305 0 165 SH DEFINED 165 0 0
REYNOLDS METALS COMPANY COMMON COMMON STOCK 761763101 18 364 SH DEFINED 364 0 0
RJR NABISCO HLDGS CORP COMMON STOCK 74960K876 1 36 SH DEFINED 36 0 0
ROCKWELL INTL CORP NEW COMMON STOCK 773903109 42 1000 SH DEFINED 1000 0 0
ROYAL BK CDA MONTREAL QUE COMMON STOCK 780087102 7 150 SH DEFINED 150 0 0
ROYAL DUTCH PETE CO COMMON STOCK 780257804 670 12876 SH DEFINED 12876 0 0
ROYAL DUTCH PETE CO COMMON STOCK 780257804 104 2000 SH OTHER 2000 0 0
SABINE ROYALTY TRUST UNITS OF COMMON STOCK 785688102 79 5712 SH DEFINED 5712 0 0
SABINE ROYALTY TRUST UNITS OF COMMON STOCK 785688102 487 35085 SH OTHER 35085 0 0
SALOMON BROS FUND COMMON STOCK 795477108 0 25 SH DEFINED 25 0 0
SANTA FE ENERGY RESOURCES,INC COMMON STOCK 802012104 2 220 SH DEFINED 220 0 0
SANTA FE ENERGY RESOURCES,INC COMMON STOCK 802012104 2 221 SH OTHER 221 0 0
SARA LEE CORP COMMON STOCK 803111103 486 19630 SH DEFINED 19630 0 0
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 6915 146533 SH DEFINED 139033 0 7500
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 901 19104 SH OTHER 16704 2400 0
SCANSOFT INC COMMON STOCK 80603P107 1 419 SH DEFINED 419 0 0
SCHERING-PLOUGH CORPORATION COMMON STOCK 806605101 7148 129370 SH DEFINED 113520 0 15850
SCHERING-PLOUGH CORPORATION COMMON STOCK 806605101 768 13900 SH OTHER 13900 0 0
SCHLUMBERGER, LTD. COMMON STOCK 806857108 3906 64900 SH DEFINED 63425 0 1475
SCHLUMBERGER, LTD. COMMON STOCK 806857108 232 3850 SH OTHER 3850 0 0
SEALED AIR CORP NEW COMMON STOCK 81211K100 70 1431 SH DEFINED 1431 0 0
SEARS ROEBUCK & CO COMMON STOCK 812387108 275 6083 SH DEFINED 5633 0 450
SEARS ROEBUCK & CO COMMON STOCK 812387108 6 125 SH OTHER 125 0 0
SEMPRA ENERGY COM COMMON STOCK 816851109 2 100 SH DEFINED 100 0 0
SERVICE CORPORATION INTL COMMON STOCK 817565104 13 900 SH DEFINED 600 0 300
SERVICE CORPORATION INTL COMMON STOCK 817565104 6 400 SH OTHER 400 0 0
SHELL TRANS & TRADING PLC COMMON STOCK 822703609 2 50 SH DEFINED 50 0 0
SHERWIN WILLIAMS COMPANY COMMON STOCK 824348106 670 23834 SH DEFINED 23834 0 0
SOLUTIA INC COMMON STOCK 834376105 27 1540 SH DEFINED 1540 0 0
SOLUTIA INC COMMON STOCK 834376105 17 1000 SH OTHER 1000 0 0
SONAT INCORPORATED COMMON COMMON STOCK 835415100 24 800 SH DEFINED 800 0 0
SONOCO PRODUCTS COMPANY COMMON STOCK 835495102 10 440 SH DEFINED 440 0 0
SOUTHWEST AIRLINES COMPANY COMMON STOCK 844741108 68 2250 SH DEFINED 2250 0 0
SPRINT CORP SER 1 COMMON STOCK 852061506 20 462 SH DEFINED 462 0 0
SPRINT CORPORATION COMMON STOCK 852061100 91 924 SH DEFINED 924 0 0
ST PAUL COMPANIES COMMON STOCK 792860108 78 2500 SH DEFINED 2500 0 0
STARWOOD HOTELS/RESORTS WRLDWD COMMON STOCK 85590A203 61 2153 SH DEFINED 1645 0 508
STATE STR CORP COMMON STOCK 857477103 1382 16800 SH DEFINED 16100 0 700
STATE STR CORP COMMON STOCK 857477103 378 4600 SH OTHER 4600 0 0
STERLING COMM INC COMMON STOCK 859205106 24 796 SH DEFINED 796 0 0
STERLING SOFTWARE INC COMMON STOCK 859547101 24 1000 SH DEFINED 1000 0 0
STEWART INFORMATION SVCS CORP COMMON STOCK 860372101 60 1800 SH DEFINED 1800 0 0
SUN MICROSYSTEMS INC COMMON STOCK 866810104 134 1075 SH DEFINED 1075 0 0
SUN MICROSYSTEMS INC COMMON STOCK 866810104 106 850 SH OTHER 850 0 0
SUNOCO INC COM COMMON STOCK 86764P109 8 220 SH DEFINED 220 0 0
SUPERVALUE INCORPORATED COMMON COMMON STOCK 868536103 58 2800 SH DEFINED 2800 0 0
SYNTROLEUM CORP COMMON STOCK 871630109 1 198 SH DEFINED 198 0 0
TANDY CORPORATION COMMON COMMON STOCK 875382103 26 400 SH DEFINED 400 0 0
TASEKO MINES LTD COMMON STOCK 876511106 1 200 SH DEFINED 200 0 0
TASEKO MINES LTD COMMON STOCK 876511106 1 200 SH OTHER 200 0 0
TECO ENERGY INCORPORATED COMMO COMMON STOCK 872375100 40 2000 SH DEFINED 2000 0 0
TECO ENERGY INCORPORATED COMMO COMMON STOCK 872375100 16 800 SH OTHER 800 0 0
TENNECO INC NEW COMMON STOCK 88037E101 64 2300 SH DEFINED 1500 0 800
TENNECO INC NEW COMMON STOCK 88037E101 12 421 SH OTHER 421 0 0
TEXACO INC COMMON STOCK 881694103 2468 43483 SH DEFINED 37651 0 5832
TEXACO INC COMMON STOCK 881694103 215 3794 SH OTHER 3794 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 7000 70528 SH DEFINED 63728 0 6800
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 20 200 SH OTHER 200 0 0
TEXAS UTILITIES CO. COMMON STOCK 882848104 1905 45354 SH DEFINED 40354 0 5000
TEXAS UTILITIES CO. COMMON STOCK 882848104 136 3245 SH OTHER 3245 0 0
THE SOUTHERN COMPANY COMMON STOCK 842587107 838 35965 SH DEFINED 26965 0 9000
THE SOUTHERN COMPANY COMMON STOCK 842587107 145 6200 SH OTHER 6200 0 0
THERMO ELECTRON CORP COMMON STOCK 883556102 11 825 SH DEFINED 825 0 0
TIDEL TECHNOLOGIES INC COMMON STOCK 886368109 33 16300 SH DEFINED 16300 0 0
TIME WARNER INCORPORATED COMMON STOCK 887315109 340 4800 SH DEFINED 4800 0 0
TIME WARNER INCORPORATED COMMON STOCK 887315109 113 1600 SH OTHER 1600 0 0
TRANS-GLOBAL RES N L COMMON STOCK 892909409 0 50 SH DEFINED 50 0 0
TRANSAMERICA CORP. COMMON STOCK 893485102 1088 15324 SH DEFINED 15024 0 300
TRANSAMERICA CORP. COMMON STOCK 893485102 7 100 SH OTHER 100 0 0
TREMONT CORP DEL COMMON PAR COMMON STOCK 894745207 10 540 SH DEFINED 540 0 0
TRICON GLOBAL RESTAURANTS INC COMMON STOCK 895953107 657 9359 SH DEFINED 9359 0 0
TRICON GLOBAL RESTAURANTS INC COMMON STOCK 895953107 12 170 SH OTHER 170 0 0
U S WEST INC NEW COMMON STOCK 91273H101 145 2630 SH DEFINED 2630 0 0
U S WEST INC NEW COMMON STOCK 91273H101 39 707 SH OTHER 707 0 0
ULTRAMAR DIAMOND SHAMROCK COCO COMMON STOCK 904000106 33 1540 SH DEFINED 1540 0 0
UMB FINL CORP COMMON STOCK 902788108 747 19282 SH DEFINED 19282 0 0
UNILEVER PLC ADR COMMON STOCK 904767605 2 50 SH DEFINED 50 0 0
UNION CARBIDE CORPORATION COMMON STOCK 905581104 979 21668 SH DEFINED 21668 0 0
UNION PAC RES GRP INC COMMON STOCK 907834105 129 10840 SH DEFINED 10840 0 0
UNION PACIFIC COMMON STOCK 907818108 711 13310 SH DEFINED 13310 0 0
UNION PACIFIC COMMON STOCK 907818108 5 100 SH OTHER 100 0 0
UNISYS CORP COMMON STOCK 909214108 8 300 SH OTHER 300 0 0
UNITED STATES FILTER CORP NEW COMMON STOCK 911843209 31 1000 SH DEFINED 1000 0 0
UNITED TECHNOLOGIES CORP. COMMON STOCK 913017109 3367 24859 SH DEFINED 24664 0 195
UNITED TECHNOLOGIES CORP. COMMON STOCK 913017109 68 500 SH OTHER 500 0 0
UNOCAL CORPORATION COMMON STOCK 915289102 177 4800 SH DEFINED 4800 0 0
US BANCORP DEL COMMON STOCK 902973106 777 22800 SH DEFINED 22800 0 0
US BANCORP DEL COMMON STOCK 902973106 20 600 SH OTHER 600 0 0
US HOME CORPORATION NEW COMMON COMMON STOCK 911920106 13 407 SH DEFINED 168 0 239
VENATOR GROUP INC COMMON STOCK 922944103 141 20000 SH DEFINED 20000 0 0
VENATOR GROUP INC COMMON STOCK 922944103 3 400 SH OTHER 400 0 0
VENCOR INC NEW COMMON STOCK 92260R102 0 175 SH DEFINED 175 0 0
VENTAS INC COMMON STOCK 92276F100 1 175 SH DEFINED 175 0 0
VLASIC FOODS INTL INC COMMON STOCK 928559103 5 360 SH DEFINED 360 0 0
WALGREEN COMPANY COMMON STOCK 931422109 1813 64180 SH DEFINED 61080 0 3100
WALMART STORES INC COMMON STOCK 931142103 2703 29324 SH DEFINED 24350 0 4974
WALMART STORES INC COMMON STOCK 931142103 46 501 SH OTHER 400 101 0
WARNER LAMBERT CO COMMON STOCK 934488107 891 13446 SH DEFINED 12246 0 1200
WARNER LAMBERT CO COMMON STOCK 934488107 252 3800 SH OTHER 3800 0 0
WASHINGTON REAL ESTATE INV. TR COMMON STOCK 939653101 28 1691 SH DEFINED 1691 0 0
WASHINGTON REAL ESTATE INV. TR COMMON STOCK 939653101 17 1012 SH OTHER 1012 0 0
WASTE MGMT INC DEL COMMON STOCK 94106L109 560 12614 SH DEFINED 12614 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101 1714 48872 SH DEFINED 48872 0 0
WELLS FARGO & CO NEW COMMON STOCK 949746101 284 8092 SH OTHER 1400 0 6692
WESTCOAST ENERGY COMMON STOCK 95751D102 62 3150 SH DEFINED 1350 0 1800
WESTERN RESOURCES INC. COMMON STOCK 959425109 53 1983 SH DEFINED 1983 0 0
WESTERN RESOURCES INC. COMMON STOCK 959425109 11 400 SH OTHER 400 0 0
WEYERHAEUSER COMPANY COMMON STOCK 962166104 22 400 SH OTHER 400 0 0
WHIRLPOOL CORPORATION COMMON STOCK 963320106 38 700 SH DEFINED 700 0 0
WHITMAN CORP COMMON COMMON STOCK 96647K102 71 4125 SH DEFINED 4125 0 0
WISCONSIN ENERGY CORP COMMON STOCK 976657106 14 528 SH OTHER 528 0 0
WITCO CORP COMMON STOCK 977385103 16 1300 SH DEFINED 1300 0 0
WM.WRIGLEY JR.CO COMMON STOCK 982526105 116 1286 SH DEFINED 1286 0 0
WPS RES CORP COMMON COMMON STOCK 92931B106 12 400 SH DEFINED 400 0 0
XEROX CORPORATION COMMON COMMON STOCK 984121103 3167 60754 SH DEFINED 40390 0 20364
XEROX CORPORATION COMMON COMMON STOCK 984121103 198 3800 SH OTHER 3800 0 0
YORK INTL CORP NEW COMMON STOCK 986670107 4 100 SH DEFINED 100 0 0
BRITISH STL PLC COMMON STOCK 111015301 8 375 SH OTHER 375 0 0
FRESENIUS MED CARE COMMON STOCK 358029106 57 2800 SH DEFINED 2800 0 0
IMPERIAL OIL LIMITED CLASS A COMMON STOCK 453038408 2 120 SH DEFINED 120 0 0
IMPERIAL TOB GROUP PLC COMMON STOCK 453142101 1 25 SH DEFINED 25 0 0
INCO LIMITED COMMON COMMON STOCK 453258402 40 3000 SH DEFINED 3000 0 0
PLACER DOME INC. COMMON STOCK 725906101 2 150 SH DEFINED 150 0 0
PLACER DOME INC. COMMON STOCK 725906101 2 150 SH OTHER 150 0 0
SMITHKLINE BEECHAM PLC ADR COMMON STOCK 832378301 233 3256 SH DEFINED 3256 0 0
VODAFONE GROUP PLC SPONSORED COMMON STOCK 92857T107 19 100 SH DEFINED 100 0 0
ZENECA GROUP PLC SPONSORED ADR COMMON STOCK 98934D106 1 25 SH DEFINED 25 0 0
MORGAN STANLEY FIN PLC PREFERRED STOCK 616906707 5 200 SH DEFINED N.A. N.A. N.A.
ATLANTIC RICHFIELD 2.80 CUM CO PREFERRED STOCK 048825400 161 536 SH DEFINED N.A. N.A. N.A.
SEALED AIR CORP NEW-PFD CONV A PREFERRED STOCK 81211K209 63 1268 SH DEFINED N.A. N.A. N.A.
UNISYS CORPORATION CONVERTIBLE PREFERRED STOCK 909214207 51 992 SH DEFINED N.A. N.A. N.A.
LONE STAR INDS INC WARRANT 12 OTHER 542290119 86 1985 SH DEFINED 1985 0 0
BUCKEYE PARTNERS L P OTHER 118230101 55 2000 SH DEFINED N.A. N.A. N.A.
LA GLORIA ROYALTY LTD PARTNERS OTHER 999999998 387 1 SH DEFINED N.A. N.A. N.A.
MANAGED HIGH INCOME PORTFOLIO OTHER 56166C105 17 1614 SH DEFINED N.A. N.A. N.A.
MANAGED HIGH INCOME PORTFOLIO OTHER 56166C105 17 1614 SH OTHER N.A. N.A. N.A.
APEX MUN FD INC OTHER 037580107 20 2000 SH OTHER N.A. N.A. N.A.
GREENWICH STR MUN FD INC OTHER 39701A107 210 19849 SH DEFINED N.A. N.A. N.A.
INVESTMENT GRADE MUN INCOME FD OTHER 461368102 48 3000 SH DEFINED N.A. N.A. N.A.
MANAGED MUNS PORTFOLIO II INC OTHER 561663105 72 6730 SH DEFINED N.A. N.A. N.A.
MFS CHARTER INCOME TR OTHER 552727109 9 1000 SH OTHER N.A. N.A. N.A.
MFS MULTIMARKET INCOME TR OTHER 552737108 6 1000 SH OTHER N.A. N.A. N.A.
MFS SPL VALUE TR OTHER 55274E102 15 1000 SH OTHER N.A. N.A. N.A.
NUVEEN INSD MUN OPPORTUNITY OTHER 670984103 17 1000 SH OTHER N.A. N.A. N.A.
NUVEEN INSURED QUAL MUN FUND OTHER 67062N103 48 3000 SH DEFINED N.A. N.A. N.A.
NUVEEN MUN INCOME FD INC OTHER 67062J102 84 6882 SH DEFINED N.A. N.A. N.A.
NUVEEN MUN MKT OPPORTUNITY FD OTHER 67062W103 47 2875 SH DEFINED N.A. N.A. N.A.
NUVEEN MUNI ADVANTAGE FUND OTHER 67062H106 96 5800 SH DEFINED N.A. N.A. N.A.
NUVEEN MUNI VALUE FD INC COMMO OTHER 670928100 162 16365 SH DEFINED N.A. N.A. N.A.
NUVEEN MUNI VALUE FD INC COMMO OTHER 670928100 15 1500 SH OTHER N.A. N.A. N.A.
NUVEEN PREM INCOME MUN FD INC OTHER 67062T100 15 1011 SH DEFINED N.A. N.A. N.A.
NUVEEN PREM INCOME MUN FD INC OTHER 67062T100 0 11 SH OTHER N.A. N.A. N.A.
NUVEEN PREM INCOME MUN FD 4 IN OTHER 6706K4105 16 1073 SH OTHER N.A. N.A. N.A.
NUVEEN QUALITY INCOME MUNI FUN OTHER 670977107 8 500 SH OTHER N.A. N.A. N.A.
NUVEEN SELECT TAX FREE INC POR OTHER 67062F100 28 1697 SH DEFINED N.A. N.A. N.A.
NUVEEN SELECT TAX FREE INC POR OTHER 67062F100 28 1697 SH OTHER N.A. N.A. N.A.
NUVEEN SELECT TAX FREE INC 2 S OTHER 67063C106 28 1736 SH DEFINED N.A. N.A. N.A.
NUVEEN SELECT TAX FREE INC 2 S OTHER 67063C106 28 1736 SH OTHER N.A. N.A. N.A.
NUVEEN TEX QUALITY INCOME MUN OTHER 670983105 190 12029 SH DEFINED N.A. N.A. N.A.
VAN KAMPEN AMERN CAP TR INVT G OTHER 920929106 210 12600 SH DEFINED N.A. N.A. N.A.
BLACKROCK MAT 6/30/2001 TERM T OTHER 092477108 87 9685 SH DEFINED N.A. N.A. N.A.
BLACKROCK TARGET TERM TR INC OTHER 092476100 19 1984 SH DEFINED N.A. N.A. N.A.
COLONIAL HIGH INCOME MUN TR OTHER 195743109 17 2000 SH DEFINED N.A. N.A. N.A.
KEMPER MULTI-MARKET INCOME TR OTHER 48842B106 89 10000 SH DEFINED N.A. N.A. N.A.
MANAGED MUNS PORTFOLIO INC OTHER 561662107 100 9221 SH DEFINED N.A. N.A. N.A.
MFS GOVT MKTS INCOME TR OTHER 552939100 59 9330 SH DEFINED N.A. N.A. N.A.
MFS GOVT MKTS INCOME TR OTHER 552939100 59 9330 SH OTHER N.A. N.A. N.A.
NUVEEN PERFORMANCE PLUS MUN FD OTHER 67062P108 58 3800 SH DEFINED N.A. N.A. N.A.
PUTNAM MASTER INTER INCOME TR OTHER 746909100 51 7035 SH DEFINED N.A. N.A. N.A.
PUTNAM MASTER INTER INCOME TR OTHER 746909100 51 7035 SH OTHER N.A. N.A. N.A.
PUTNAM PREMIER INCOME TRUST OTHER 746853100 92 12000 SH DEFINED N.A. N.A. N.A.
VAN KAMPEN AMERN CAP INCOME TR OTHER 920957107 98 14000 SH DEFINED N.A. N.A. N.A.
</TABLE>
<PAGE>
<TABLE>
<S> <C>
TWR850 04 NORWEST BANK TEXAS - SAN ANTONIO FORM 13F SECURITY REPORT REPORT DATE 3/31/99
NAME OF ISSUER CLASS CUSIP FAIR MARKET SHARES OR INVESTMENT MANAGER VOTING
NUMBER VALUE PRINCIPAL DISCRETION AUTHORITY
AMERICAN GENERAL CORP COMMON 026351-10-6 202,650 2,800 (A) SOLE (A)SOLE
2,800 2,800
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
COCA COLA CO COMMON 191216-10-0 367,706 5,630 (A) SOLE (A)SOLE
5,480 5,480
(B) DEFINED (B)SHARED
150 150
(C) SHARED (C)NONE
EXXON CORP COMMON 302290-10-1 238,659 3,335 (A) SOLE (A)SOLE
3,255 3,255
(B) DEFINED (B)SHARED
80 80
(C) SHARED (C)NONE
GENERAL ELEC CO COMMON 369604-10-3 598,356 5,550 (A) SOLE (A)SOLE
5,550 5,550
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
THE PROCTOR & GAMBLE CO. COMMON 742718-10-9 357,300 3,600 (A) SOLE (A)SOLE
3,600 3,600
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
SBC COMMUNICATIONS INC COMMON 78387G-10-3 277,685 5,846 (A) SOLE (A)SOLE
5,846 5,846
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
CLYDE D. FISHER, INC. COMMON SU2201-00-6 4,425,550 105,521 (A) SOLE (A)SOLE
105,521
(B) DEFINED (B)SHARED
105,521
(C) SHARED (C)NONE
TOTAL 6,467,906
</TABLE>
<PAGE>
<TABLE>
<S> <C>
TWR850 03 NORWEST BANK TEXAS - KERRVILLE FORM 13F SECURITY REPORT REPORT DATE 3/31/99
NAME OF ISSUER CLASS CUSIP FAIR MARKET SHARES OR INVESTMENT MANAGER VOTING
NUMBER VALUE PRINCIPAL DISCRETION AUTHORITY
AT & T CORP COMMON COMMON 001957-10-9 1,601,850 19,285 (A) SOLE (A)SOLE
16,685 18,885
(B) DEFINED (B)SHARED
2,600 400
(C) SHARED (C)NONE
ABBOTT LABORATORIES COMMON 002824-10-0 4,410,158 94,210 (A) SOLE (A)SOLE
88,810 83,210
(B) DEFINED (B)SHARED
5,400 11,000
(C) SHARED (C)NONE
AIRTOUCH COMMUNICATIONS COMMON 00949T-10-0 300,237 3,364 (A) SOLE (A)SOLE
2,968 3,044
(B) DEFINED (B)SHARED
396 320
(C) SHARED (C)NONE
ALLSTATE CORP COMMON 020002-10-1 1,553,903 41,576 (A) SOLE (A)SOLE
40,456 34,976
(B) DEFINED (B)SHARED
1,120 6,600
(C) SHARED (C)NONE
AMERICAN EXPRESS COMPANY COMMON 025816-10-9 2,004,450 16,600 (A) SOLE (A)SOLE
16,600 14,300
(B) DEFINED (B)SHARED
2,300
(C) SHARED (C)NONE
AMERICAN HOME PRODUCTS CORP COMMON 026609-10-7 4,217,952 63,250 (A) SOLE (A)SOLE
59,950 57,050
(B) DEFINED (B)SHARED
3,300 6,200
(C) SHARED (C)NONE
AMERICAN INTERNATIONAL GROUP COMMON 026874-10-7 2,543,965 21,825 (A) SOLE (A)SOLE
21,825 19,125
(B) DEFINED (B)SHARED
2,700
(C) SHARED (C)NONE
AMERITECH CORP COMMON 030954-10-1 3,070,122 50,904 (A) SOLE (A)SOLE
47,980 43,704
(B) DEFINED (B)SHARED
2,924 7,200
(C) SHARED (C)NONE
AMP INC COMMON 031897-10-1 1,279,929 23,088 (A) SOLE (A)SOLE
21,288 23,088
(B) DEFINED (B)SHARED
1,800
(C) SHARED (C)NONE
ANHEUSER-BUSCH COMPANIES INC COMMON 035229-10-3 740,000 10,000 (A) SOLE (A)SOLE
10,000 10,000
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
AUTOMATIC DATA PROCESSING COMMON 053015-10-3 4,132,300 106,640 (A) SOLE (A)SOLE
100,790 94,640
(B) DEFINED (B)SHARED
5,850 12,000
(C) SHARED (C)NONE
BP AMOCO PLC-SPONS ADR COMMON 055622-10-4 358,861 3,573 (A) SOLE (A)SOLE
3,573 3,573
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
BAXTER INTERNATIONAL INC COMMON 071813-10-9 237,312 3,572 (A) SOLE (A)SOLE
3,572 3,572
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
BELL ATLANTIC CORP COMMON 077853-10-9 862,598 16,770 (A) SOLE (A)SOLE
13,876 15,146
(B) DEFINED (B)SHARED
2,894 1,624
(C) SHARED (C)NONE
BELLSOUTH CORP COMMON 079860-10-2 827,435 20,120 (A) SOLE (A)SOLE
18,340 18,980
(B) DEFINED (B)SHARED
1,780 1,140
(C) SHARED (C)NONE
BESTFOODS COMMON 08658U-10-1 2,944,217 61,659 (A) SOLE (A)SOLE
59,775 54,659
(B) DEFINED (B)SHARED
1,884 7,000
(C) SHARED (C)NONE
BOEING CO COMMON 097023-10-5 1,049,546 30,149 (A) SOLE (A)SOLE
29,949 27,149
(B) DEFINED (B)SHARED
200 3,000
(C) SHARED (C)NONE
BRISTOL-MYERS SQUIBB COMMON 110122-10-8 1,804,873 30,334 (A) SOLE (A)SOLE
25,734 30,334
(B) DEFINED (B)SHARED
4,600
(C) SHARED (C)NONE
CAMPBELL SOUP CO COMMON 134429-10-9 537,510 13,110 (A) SOLE (A)SOLE
10,810 13,110
(B) DEFINED (B)SHARED
2,300
(C) SHARED (C)NONE
CARNIVAL CORP COMMON 143658-10-2 1,325,062 28,650 (A) SOLE (A)SOLE
28,650 21,650
(B) DEFINED (B)SHARED
7,000
(C) SHARED (C)NONE
CATERPILLAR INC COMMON 149123-10-1 983,052 21,000 (A) SOLE (A)SOLE
21,000 15,200
(B) DEFINED (B)SHARED
5,800
(C) SHARED (C)NONE
CHASE MANHATTAN CORP NEW COM COMMON 16161A-10-8 499,824 6,209 (A) SOLE (A)SOLE
6,209 6,209
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
CHUBB CORP COMMON 171232-10-1 1,295,804 21,710 (A) SOLE (A)SOLE
20,510 18,710
(B) DEFINED (B)SHARED
1,200 3,000
(C) SHARED (C)NONE
CITIGROUP INC COMMON 172967-10-1 2,360,655 37,249 (A) SOLE (A)SOLE
COM 37,124 32,999
(B) DEFINED (B)SHARED
125 4,250
(C) SHARED (C)NONE
COASTAL CORP COMMON 190441-10-5 416,486 12,007 (A) SOLE (A)SOLE
12,007 12,007
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
COCA COLA COMMON 191216-10-0 3,216,616 49,250 (A) SOLE (A)SOLE
46,700 45,550
(B) DEFINED (B)SHARED
2,550 3,700
(C) SHARED (C)NONE
COMPAQ COMPUTER CORP COMMON 204493-10-0 1,541,406 49,325 (A) SOLE (A)SOLE
49,025 44,325
(B) DEFINED (B)SHARED
300 5,000
(C) SHARED (C)NONE
COMPUTER ASSOCIATES INTL INC COMMON 204912-10-9 1,064,773 31,375 (A) SOLE (A)SOLE
31,075 26,175
(B) DEFINED (B)SHARED
300 5,200
(C) SHARED (C)NONE
CONAGRA INC COMMON 205887-10-2 1,194,787 45,300 (A) SOLE (A)SOLE
43,300 31,300
(B) DEFINED (B)SHARED
2,000 14,000
(C) SHARED (C)NONE
CONSOLIDATED NATURAL GAS COMMON 209615-10-3 1,339,243 26,100 (A) SOLE (A)SOLE
25,800 22,200
(B) DEFINED (B)SHARED
300 3,900
(C) SHARED (C)NONE
DAYTON HUDSON CORP COMMON 239753-10-6 239,092 3,500 (A) SOLE (A)SOLE
3,500 3,500
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
DELL COMPUTER COMMON 247025-10-9 393,900 10,400 (A) SOLE (A)SOLE
10,400 10,400
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
WALT DISNEY CO COMMON 254687-10-6 2,683,542 81,475 (A) SOLE (A)SOLE
78,925 72,275
(B) DEFINED (B)SHARED
2,550 9,200
(C) SHARED (C)NONE
DU PONT E I DE NEMOURS COMMON 263534-10-9 2,458,705 44,301 (A) SOLE (A)SOLE
43,601 38,301
(B) DEFINED (B)SHARED
700 6,000
(C) SHARED (C)NONE
DUN & BRADSTREET CORP DEL COM COMMON 26483B-10-6 546,975 15,300 (A) SOLE (A)SOLE
14,400 10,300
(B) DEFINED (B)SHARED
900 5,000
(C) SHARED (C)NONE
DYNAMIC OIL & GAS INC COMMON 267906-10-5 20,920 20,000 (A) SOLE (A)SOLE
20,000 20,000
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
EMC CORP/MASS COMMON 268648-10-2 4,134,129 33,645 (A) SOLE (A)SOLE
33,645 28,745
(B) DEFINED (B)SHARED
4,900
(C) SHARED (C)NONE
EDPERBRASCAN CORP-CL A COMMON 280905-80-3 178,125 15,000 (A) SOLE (A)SOLE
15,000 15,000
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
EMERSON ELEC CO COMMON 291011-10-4 2,507,503 46,115 (A) SOLE (A)SOLE
45,715 40,315
(B) DEFINED (B)SHARED
400 5,800
(C) SHARED (C)NONE
ENRON CORP COMMON 293561-10-6 2,683,807 41,250 (A) SOLE (A)SOLE
41,250 32,950
(B) DEFINED (B)SHARED
8,300
(C) SHARED (C)NONE
EQUITY RESIDENTIAL PROPS TR COMMON 29476L-10-7 558,562 13,500 (A) SOLE (A)SOLE
13,500 9,500
(B) DEFINED (B)SHARED
4,000
(C) SHARED (C)NONE
EXXON CORP COMMON 302290-10-1 6,143,597 85,850 (A) SOLE (A)SOLE
71,502 82,750
(B) DEFINED (B)SHARED
14,348 3,100
(C) SHARED (C)NONE
FASTENAL CO. COMMON 311900-10-4 1,192,800 33,600 (A) SOLE (A)SOLE
33,600 27,600
(B) DEFINED (B)SHARED
6,000
(C) SHARED (C)NONE
FEDERAL NATL MTG ASSN COMMON 313586-10-9 3,272,269 45,766 (A) SOLE (A)SOLE
43,766 40,566
(B) DEFINED (B)SHARED
2,000 5,200
(C) SHARED (C)NONE
FIFTH THIRD BANCORP COMMON 316773-10-0 2,582,904 36,998 (A) SOLE (A)SOLE
34,479 31,998
(B) DEFINED (B)SHARED
2,519 5,000
(C) SHARED (C)NONE
FRANKLIN RESOURCES INC COMMON 354613-10-1 577,902 19,800 (A) SOLE (A)SOLE
19,800 12,800
(B) DEFINED (B)SHARED
7,000
(C) SHARED (C)NONE
GTE CORP COMMON 362320-10-3 365,810 6,220 (A) SOLE (A)SOLE
5,870 5,920
(B) DEFINED (B)SHARED
350 300
(C) SHARED (C)NONE
GANNETT COMPANY INC COMMON 364730-10-1 2,854,716 44,475 (A) SOLE (A)SOLE
42,775 38,775
(B) DEFINED (B)SHARED
1,700 5,700
(C) SHARED (C)NONE
GENERAL ELEC CO COMMON 369604-10-3 6,713,992 62,275 (A) SOLE (A)SOLE
57,575 57,575
(B) DEFINED (B)SHARED
4,700 4,700
(C) SHARED (C)NONE
GENERAL MILLS INC COMMON 370334-10-4 334,404 4,500 (A) SOLE (A)SOLE
4,500 4,500
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
GILLETTE COMPANY COMMON 375766-10-2 1,248,993 19,650 (A) SOLE (A)SOLE
19,650 15,150
(B) DEFINED (B)SHARED
4,500
(C) SHARED (C)NONE
HALLIBURTON CO COMMON 406216-10-1 1,197,125 31,400 (A) SOLE (A)SOLE
31,400 26,900
(B) DEFINED (B)SHARED
4,500
(C) SHARED (C)NONE
HEWLETT PACKARD CO COMMON 428236-10-3 4,413,139 64,250 (A) SOLE (A)SOLE
61,250 57,750
(B) DEFINED (B)SHARED
3,000 6,500
(C) SHARED (C)NONE
HOME DEPOT INC COMMON 437076-10-2 5,334,600 83,680 (A) SOLE (A)SOLE
80,020 72,680
(B) DEFINED (B)SHARED
3,660 11,000
(C) SHARED (C)NONE
HONEYWELL INC COMMON 438506-10-7 2,386,500 32,250 (A) SOLE (A)SOLE
32,050 27,550
(B) DEFINED (B)SHARED
200 4,700
(C) SHARED (C)NONE
IMS HEALTH INC COMMON 449934-10-8 3,104,700 94,800 (A) SOLE (A)SOLE
91,650 85,800
(B) DEFINED (B)SHARED
3,150 9,000
(C) SHARED (C)NONE
INGERSOLL RAND COMMON 456866-10-2 323,911 6,430 (A) SOLE (A)SOLE
6,430 6,430
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
INTEL CORP COMMON 458140-10-0 4,120,217 35,310 (A) SOLE (A)SOLE
33,860 32,810
(B) DEFINED (B)SHARED
1,450 2,500
(C) SHARED (C)NONE
INTERNATIONAL BUSINESS MACHINESCOMMON 459200-10-1 3,197,556 18,550 (A) SOLE (A)SOLE
18,400 15,850
(B) DEFINED (B)SHARED
150 2,700
(C) SHARED (C)NONE
JOHNSON & JOHNSON COMMON 478160-10-4 5,578,706 61,095 (A) SOLE (A)SOLE
58,045 54,795
(B) DEFINED (B)SHARED
3,050 6,300
(C) SHARED (C)NONE
KERRVILLE COMMUNICATIONS CORP COMMON 491998-10-0 265,300 280 (A) SOLE (A)SOLE
280
(B) DEFINED (B)SHARED
280
(C) SHARED (C)NONE
LILLY ELI & CO COMMON 532457-10-8 1,954,716 23,150 (A) SOLE (A)SOLE
23,150 20,650
(B) DEFINED (B)SHARED
2,500
(C) SHARED (C)NONE
LIZ CLAIBORNE INC COMMON 539320-10-1 571,319 17,750 (A) SOLE (A)SOLE
17,750 17,750
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
LOWES COMPANIES INC COMMON 548661-10-7 216,960 3,400 (A) SOLE (A)SOLE
2,800 3,400
(B) DEFINED (B)SHARED
600
(C) SHARED (C)NONE
LUCENT TECHNOLOGIES INC. COMMON 549463-10-7 2,350,589 23,031 (A) SOLE (A)SOLE
21,479 20,902
(B) DEFINED (B)SHARED
1,552 2,129
(C) SHARED (C)NONE
MASCO CORP COMMON 574599-10-6 1,353,000 49,200 (A) SOLE (A)SOLE
49,000 36,200
(B) DEFINED (B)SHARED
200 13,000
(C) SHARED (C)NONE
MAY DEPT STORES CO COMMON 577778-10-3 1,801,168 48,112 (A) SOLE (A)SOLE
45,862 42,562
(B) DEFINED (B)SHARED
2,250 5,550
(C) SHARED (C)NONE
MCDONALDS CORP COMMON 580135-10-1 594,625 13,400 (A) SOLE (A)SOLE
13,400 13,400
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
MEDIA ONE GROUP INC COMMON 58440J-10-4 234,787 3,588 (A) SOLE (A)SOLE
N/C FROM US WEST MEDIA GROUP 3,368 3,368
(B) DEFINED (B)SHARED
220 220
(C) SHARED (C)NONE
MEDTRONIC INC COMMON 585055-10-6 3,328,287 47,675 (A) SOLE (A)SOLE
46,875 40,675
(B) DEFINED (B)SHARED
800 7,000
(C) SHARED (C)NONE
MERCK & CO INC COMMON 589331-10-7 4,045,273 50,330 (A) SOLE (A)SOLE
48,230 46,330
(B) DEFINED (B)SHARED
2,100 4,000
(C) SHARED (C)NONE
MERRILL LYNCH & CO COMMON 590188-10-8 2,260,906 25,475 (A) SOLE (A)SOLE
24,875 22,575
(B) DEFINED (B)SHARED
600 2,900
(C) SHARED (C)NONE
MICROSOFT CORP COMMON 594918-10-4 7,944,375 44,600 (A) SOLE (A)SOLE
44,600 38,200
(B) DEFINED (B)SHARED
6,400
(C) SHARED (C)NONE
MINNESOTA MINING & MFG CO COMMON 604059-10-5 2,367,756 33,675 (A) SOLE (A)SOLE
32,575 29,475
(B) DEFINED (B)SHARED
1,100 4,200
(C) SHARED (C)NONE
MOBIL CORP COMMON 607059-10-2 231,400 2,600 (A) SOLE (A)SOLE
2,600 2,600
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
MONSANTO CO COMMON 611662-10-7 1,519,818 32,950 (A) SOLE (A)SOLE
32,950 25,750
(B) DEFINED (B)SHARED
7,200
(C) SHARED (C)NONE
MORTON INTERNATIONAL INC NEW COMMON 619335-10-2 782,426 21,400 (A) SOLE (A)SOLE
20,700 15,900
(B) DEFINED (B)SHARED
700 5,500
(C) SHARED (C)NONE
NATIONAL CITY CORPORATION COMMON 635405-10-3 227,727 3,380 (A) SOLE (A)SOLE
2,380 3,380
(B) DEFINED (B)SHARED
1,000
(C) SHARED (C)NONE
NEWELL RUBBERMAID INC COMMON 651229-10-6 1,977,892 39,657 (A) SOLE (A)SOLE
39,657 31,157
(B) DEFINED (B)SHARED
8,500
(C) SHARED (C)NONE
NIELSEN MEDIA RESEARCH INC (NEWNC (NEW) 653929-30-7 361,361 15,884 (A) SOLE (A)SOLE
15,359 14,384
(B) DEFINED (B)SHARED
525 1,500
(C) SHARED (C)NONE
PEPSICO INC COMMON 713448-10-8 1,358,800 33,970 (A) SOLE (A)SOLE
31,270 30,470
(B) DEFINED (B)SHARED
2,700 3,500
(C) SHARED (C)NONE
PFIZER INC COMMON 717081-10-3 5,946,075 44,045 (A) SOLE (A)SOLE
40,045 41,045
(B) DEFINED (B)SHARED
4,000 3,000
(C) SHARED (C)NONE
PITNEY BOWES, INC COMMON 724479-10-0 2,832,812 46,250 (A) SOLE (A)SOLE
46,250 37,850
(B) DEFINED (B)SHARED
8,400
(C) SHARED (C)NONE
PROCTER & GAMBLE COMMON 742718-10-9 5,492,991 55,345 (A) SOLE (A)SOLE
51,595 49,695
(B) DEFINED (B)SHARED
3,750 5,650
(C) SHARED (C)NONE
PROGRESSIVE CORP COMMON 743315-10-3 718,750 5,000 (A) SOLE (A)SOLE
5,000 5,000
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
ROYAL DUTCH PETROLEUM COMPANY COMMON 780257-80-4 2,065,507 39,343 (A) SOLE (A)SOLE
36,743 35,743
(B) DEFINED (B)SHARED
2,600 3,600
(C) SHARED (C)NONE
SBC COMMUNICATIONS INC COMMON 78387G-10-3 3,354,925 70,630 (A) SOLE (A)SOLE
65,532 64,216
(B) DEFINED (B)SHARED
5,098 6,414
(C) SHARED (C)NONE
SARA LEE CORP COMMON 803111-10-3 3,594,016 137,570 (A) SOLE (A)SOLE
130,270 122,570
(B) DEFINED (B)SHARED
7,300 15,000
(C) SHARED (C)NONE
SCHERING PLOUGH COMMON 806605-10-1 4,752,328 85,340 (A) SOLE (A)SOLE
78,640 79,340
(B) DEFINED (B)SHARED
6,700 6,000
(C) SHARED (C)NONE
SCHLUMBERGER LTD COMMON 806857-10-8 1,972,722 33,155 (A) SOLE (A)SOLE
32,555 29,455
(B) DEFINED (B)SHARED
600 3,700
(C) SHARED (C)NONE
SERVICE CORP INTL COMMON 817565-10-4 733,281 49,714 (A) SOLE (A)SOLE
49,714 42,214
(B) DEFINED (B)SHARED
7,500
(C) SHARED (C)NONE
SUNTRUST BANKS INC COMMON 867914-10-3 2,011,793 31,870 (A) SOLE (A)SOLE
30,470 28,670
(B) DEFINED (B)SHARED
1,400 3,200
(C) SHARED (C)NONE
TJX COMPANIES INC COMMON 872540-10-9 245,246 7,200 (A) SOLE (A)SOLE
7,200 7,200
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
TEXACO INC COMMON 881694-10-3 1,594,629 28,700 (A) SOLE (A)SOLE
26,500 25,500
(B) DEFINED (B)SHARED
2,200 3,200
(C) SHARED (C)NONE
TEXAS INSTRUMENTS INC COMMON 882508-10-4 433,404 4,500 (A) SOLE (A)SOLE
4,100 4,500
(B) DEFINED (B)SHARED
400
(C) SHARED (C)NONE
TIME WARNER INC COMMON 887315-10-9 564,258 8,200 (A) SOLE (A)SOLE
6,200 8,200
(B) DEFINED (B)SHARED
2,000
(C) SHARED (C)NONE
US BANCORP COMMON 902973-10-6 1,166,287 37,025 (A) SOLE (A)SOLE
33,725 32,225
(B) DEFINED (B)SHARED
3,300 4,800
(C) SHARED (C)NONE
US WEST INC NEW COMMON 91273H-10-1 282,784 5,101 (A) SOLE (A)SOLE
COM 4,875 4,875
(B) DEFINED (B)SHARED
226 226
(C) SHARED (C)NONE
UNITED TECHNOLOGIES CORP COMMON 913017-10-9 4,282,080 32,440 (A) SOLE (A)SOLE
31,190 28,240
(B) DEFINED (B)SHARED
1,250 4,200
(C) SHARED (C)NONE
WAL-MART STORES COMMON 931142-10-3 629,488 6,875 (A) SOLE (A)SOLE
6,875 6,875
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
WALGREEN CO COMMON 931422-10-9 6,848,186 229,228 (A) SOLE (A)SOLE
215,728 207,228
(B) DEFINED (B)SHARED
13,500 22,000
(C) SHARED (C)NONE
XEROX CORP COMMON 984121-10-3 3,329,802 63,350 (A) SOLE (A)SOLE
62,400 56,350
(B) DEFINED (B)SHARED
950 7,000
(C) SHARED (C)NONE
TOTAL 209,663,876
</TABLE>
<PAGE>
<TABLE>
<S> <C>
TWR 850 01 NORWEST BANK TEXAS, SOUTH CENTRAL FORM 13F SECURITY REPORT REPORT DATE 3/31/99
NAME OF ISSUER CLASS CUSIP FAIR MARKET SHARES OR INVESTMENT MANAGER VOTING
NUMBER VALUE PRINCIPAL DISCRETION AUTHORITY
AT&T CORP COMMON 001957-10-9 2,743,454 33,029 (A) SOLE (A)SOLE
30,975 32,929
(B) DEFINED (B)SHARED
1,954 100
(C) SHARED (C)NONE
100
ABBOTT LABS COMMON 002824-10-0 942,746 20,139 (A) SOLE (A)SOLE
17,440 19,160
(B) DEFINED (B)SHARED
2,699 534
(C) SHARED (C)NONE
445
AIRTOUCH COMMUNICATIONS INC COMMON 00949T-10-0 223,125 2,500 (A) SOLE (A)SOLE
2,450 2,500
(B) DEFINED (B)SHARED
50
(C) SHARED (C)NONE
ALLIED SIGNAL INC COMMON 019512-10-2 396,048 7,862 (A) SOLE (A)SOLE
7,596 7,709
(B) DEFINED (B)SHARED
266
(C) SHARED (C)NONE
153
ALLSTATE CORP COMMON 020002-10-1 287,862 7,702 (A) SOLE (A)SOLE
7,202 7,302
(B) DEFINED (B)SHARED
500
(C) SHARED (C)NONE
400
AMERICA ONLINE INC COMMON 02364J-10-4 286,566 2,280 (A) SOLE (A)SOLE
1,340 2,280
(B) DEFINED (B)SHARED
940
(C) SHARED (C)NONE
AMERICAN ENTERTAINMENT GROUP COMMON 02566L-20-4 960 12,000 (A) SOLE (A)SOLE
12,000
(B) DEFINED (B)SHARED
12,000
(C) SHARED (C)NONE
AMERICAN HOME PRODUCTS COMMON 026609-10-7 1,771,073 26,558 (A) SOLE (A)SOLE
20,298 26,127
(B) DEFINED (B)SHARED
6,260
(C) SHARED (C)NONE
431
AMERICAN INTERNATIONAL GROUP INC COMMON 026874-10-7 1,391,866 11,941 (A) SOLE (A)SOLE
10,371 11,328
(B) DEFINED (B)SHARED
1,570 338
(C) SHARED (C)NONE
275
AMERITECH CORPORATION COMMON 030954-10-1 711,922 11,804 (A) SOLE (A)SOLE
10,160 11,266
(B) DEFINED (B)SHARED
1,644 250
(C) SHARED (C)NONE
288
AMGEN INCORPORATED COMMON 031162-10-0 462,675 6,200 (A) SOLE (A)SOLE
6,000 6,200
(B) DEFINED (B)SHARED
200
(C) SHARED (C)NONE
AMP INC COMMON 031897-10-1 301,410 5,437 (A) SOLE (A)SOLE
2,717 5,337
(B) DEFINED (B)SHARED
2,720
(C) SHARED (C)NONE
100
ASSOCIATES FIRST CAPITAL CORPORATION COMMON 046008-10-8 346,483 7,636 (A) SOLE (A)SOLE
7,008 7,580
(B) DEFINED (B)SHARED
628
(C) SHARED (C)NONE
56
AUTO DATA PROCESS COMMON 053015-10-3 987,001 25,471 (A) SOLE (A)SOLE
20,641 24,025
(B) DEFINED (B)SHARED
4,830 646
(C) SHARED (C)NONE
800
BP AMOCO PLC-SPONS ADR COMMON 055622-10-4 736,504 7,333 (A) SOLE (A)SOLE
1,893 3,415
(B) DEFINED (B)SHARED
5,440 3,720
(C) SHARED (C)NONE
198
BANK ONE CORP COMMON 06423A-10-3 794,737 14,417 (A) SOLE (A)SOLE
12,841 14,035
(B) DEFINED (B)SHARED
1,576
(C) SHARED (C)NONE
382
BANKAMERICA CORP (NEW) COMMON 06605F-10-2 1,103,256 15,789 (A) SOLE (A)SOLE
1,585 15,563
(B) DEFINED (B)SHARED
14,204
(C) SHARED (C)NONE
226
BELL ATLANTIC COMMON 077853-10-9 1,352,793 26,300 (A) SOLE (A)SOLE
24,874 25,796
(B) DEFINED (B)SHARED
1,426
(C) SHARED (C)NONE
504
BELLSOUTH CORP COMMON 079860-10-2 1,396,481 33,957 (A) SOLE (A)SOLE
30,645 31,961
(B) DEFINED (B)SHARED
3,312 1,996
(C) SHARED (C)NONE
BESTFOODS COMMON 08658U-10-1 382,477 8,010 (A) SOLE (A)SOLE
6,347 6,938
(B) DEFINED (B)SHARED
1,663 636
(C) SHARED (C)NONE
436
BLACK & DECKER MFG. CO. COMMON 091797-10-0 210,725 3,871 (A) SOLE (A)SOLE
3,521 3,308
(B) DEFINED (B)SHARED
350
(C) SHARED (C)NONE
563
BOEING COMPANY COMMON 097023-10-5 329,217 9,457 (A) SOLE (A)SOLE
6,675 8,187
(B) DEFINED (B)SHARED
2,782 1,145
(C) SHARED (C)NONE
125
BRASHEAR INDUSTRIES INC COMMON 105511-01-8 416,313 19,434 (A) SOLE (A)SOLE
(B) DEFINED (B)SHARED
19,434
(C) SHARED (C)NONE
19,434
BRISTOL MYERS SQUIBB COMPANY COMMON 110122-10-8 4,318,867 72,586 (A) SOLE (A)SOLE
53,136 71,936
(B) DEFINED (B)SHARED
19,250
(C) SHARED (C)NONE
200 650
CARNIVAL CORP COMMON 143658-10-2 333,000 7,200 (A) SOLE (A)SOLE
7,200 7,200
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
CHEVRON CORP. COMMON 166751-10-7 912,220 10,508 (A) SOLE (A)SOLE
8,329 10,008
(B) DEFINED (B)SHARED
2,179 200
(C) SHARED (C)NONE
300
CHIQUITA BRANDS INTL COMMON 170032-10-6 514,258 50,791 (A) SOLE (A)SOLE
50,692 50,791
(B) DEFINED (B)SHARED
99
(C) SHARED (C)NONE
CHUBB CORP COMMON 171232-10-1 212,485 3,560 (A) SOLE (A)SOLE
3,200 3,235
(B) DEFINED (B)SHARED
360
(C) SHARED (C)NONE
325
CHIQUITA BRANDS PREFERRED STOCK COMMON 190032-11-0 67,552 27,021 (A) SOLE (A)SOLE
27,021 27,021
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
COCA COLA CO COMMON 191216-10-0 1,307,154 20,014 (A) SOLE (A)SOLE
18,450 19,739
(B) DEFINED (B)SHARED
1,564
(C) SHARED (C)NONE
275
COLLECTING BANK NA COMMON 193905-10-6 2 12,983 (A) SOLE (A)SOLE
12,983 12,983
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
COMPAQ COMPUTER CORP COMMON 204493-10-0 767,656 24,565 (A) SOLE (A)SOLE
15,053 22,318
(B) DEFINED (B)SHARED
9,512 356
(C) SHARED (C)NONE
1,891
CORPUS CHRISTI ATHLETIC CLUB INC COMMON 219999-99-2 1,674,515 22,439 (A) SOLE (A)SOLE
CLOSELY HELD
(B) DEFINED (B)SHARED
22,439 22,439
(C) SHARED (C)NONE
DELL COMPUTER COMMON 247025-10-9 299,212 7,900 (A) SOLE (A)SOLE
2,100 6,900
(B) DEFINED (B)SHARED
5,800 1,000
(C) SHARED (C)NONE
THE WALT DISNEY CO COMMON 254687-10-6 473,568 14,378 (A) SOLE (A)SOLE
10,714 12,353
(B) DEFINED (B)SHARED
3,664 1,475
(C) SHARED (C)NONE
550
DOW CHEMICAL COMMON 260543-10-3 398,762 4,382 (A) SOLE (A)SOLE
4,182 4,382
(B) DEFINED (B)SHARED
200
(C) SHARED (C)NONE
E I DUPONT DE NEMOURS & CO COMMON 263534-10-9 867,742 15,635 (A) SOLE (A)SOLE
12,301 14,351
(B) DEFINED (B)SHARED
3,184 934
(C) SHARED (C)NONE
150 350
EMERSON ELECTRIC CO COMMON 291011-10-4 779,846 14,342 (A) SOLE (A)SOLE
9,533 12,962
(B) DEFINED (B)SHARED
4,809 995
(C) SHARED (C)NONE
385
ENTERGY CORP COM COMMON 29364G-10-3 208,345 7,169 (A) SOLE (A)SOLE
6,500 6,219
(B) DEFINED (B)SHARED
669
(C) SHARED (C)NONE
950
EVEREST EXPLORATION INC COMMON 299990-97-8 25,058 18,436 (A) SOLE (A)SOLE
COMMON 18,436 18,436
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
EXXON CORP COMMON 302290-10-1 15,250,792 213,113 (A) SOLE (A)SOLE
188,324 103,108
(B) DEFINED (B)SHARED
24,689 5,328
(C) SHARED (C)NONE
100 104,677
FANNIE MAE COMMON 313586-10-9 1,318,245 18,437 (A) SOLE (A)SOLE
N/C FROM FEDERAL NATIONAL MTG ASSOC 17,897 17,980
(B) DEFINED (B)SHARED
540
(C) SHARED (C)NONE
457
FIFTH THIRD BANCORP COMMON 316773-10-0 427,458 6,123 (A) SOLE (A)SOLE
3,970 5,310
(B) DEFINED (B)SHARED
2,153 513
(C) SHARED (C)NONE
300
FIRST NAT'L BK HEBBRONVILLE, TX COMMON 328270-10-3 1,155,907 28,840 (A) SOLE (A)SOLE
COMMON 28,840 28,840
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
FLEET FINANCIAL GROUP INC NEW COMMON 338915-10-1 229,500 6,000 (A) SOLE (A)SOLE
6,000 6,000
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
FORD MOTOR CO COMMON 345370-10-0 1,074,572 18,873 (A) SOLE (A)SOLE
16,934 18,297
(B) DEFINED (B)SHARED
1,939
(C) SHARED (C)NONE
576
GTE CORPORATION COMMON 362320-10-3 540,011 9,182 (A) SOLE (A)SOLE
7,210 8,882
(B) DEFINED (B)SHARED
1,972 150
(C) SHARED (C)NONE
150
GANNETT INC COMMON 364730-10-1 450,913 7,025 (A) SOLE (A)SOLE
5,260 6,170
(B) DEFINED (B)SHARED
1,765 423
(C) SHARED (C)NONE
432
GENERAL ELECTRIC CO COMMON 369604-10-3 2,777,560 25,763 (A) SOLE (A)SOLE
17,824 23,787
(B) DEFINED (B)SHARED
7,739 991
(C) SHARED (C)NONE
200 985
GENERAL MOTORS CORP COMMON 370442-10-5 877,875 9,983 (A) SOLE (A)SOLE
8,241 8,884
(B) DEFINED (B)SHARED
1,742 700
(C) SHARED (C)NONE
399
GENERAL RE CORPORATION COMMON 370563-10-8 313,332 1,555 (A) SOLE (A)SOLE
1,380 1,455
(B) DEFINED (B)SHARED
175
(C) SHARED (C)NONE
100
GILLETTE CO COMMON 375766-10-2 920,059 14,475 (A) SOLE (A)SOLE
14,475 14,475
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
GLAXO WELLCOME PLC ADR COMMON 37733W-10-5 791,193 12,800 (A) SOLE (A)SOLE
11,800 12,800
(B) DEFINED (B)SHARED
1,000
(C) SHARED (C)NONE
GREY WOLF INC COMMON 397888-10-8 73,472 56,000 (A) SOLE (A)SOLE
56,000
(B) DEFINED (B)SHARED
56,000
(C) SHARED (C)NONE
HARKEN ENERGY CORP COMMON 412552-10-1 21,744 12,000 (A) SOLE (A)SOLE
12,000
(B) DEFINED (B)SHARED
12,000
(C) SHARED (C)NONE
HEWLETT PACKARD CO COMMON 428236-10-3 1,168,365 17,010 (A) SOLE (A)SOLE
13,753 15,740
(B) DEFINED (B)SHARED
3,257 795
(C) SHARED (C)NONE
475
HOME DEPOT INC COMMON 437076-10-2 1,099,113 17,241 (A) SOLE (A)SOLE
12,309 16,039
(B) DEFINED (B)SHARED
4,932 702
(C) SHARED (C)NONE
500
HONEYWELL INC. COMMON 438506-10-7 559,662 7,563 (A) SOLE (A)SOLE
5,462 7,277
(B) DEFINED (B)SHARED
2,101
(C) SHARED (C)NONE
286
IMS HEALTH INC COMMON 449934-10-8 371,188 11,334 (A) SOLE (A)SOLE
6,550 8,934
(B) DEFINED (B)SHARED
4,784 1,800
(C) SHARED (C)NONE
600
ILLINOIS TOOL WORKS COMMON 452308-10-9 278,055 4,418 (A) SOLE (A)SOLE
3,968 3,927
(B) DEFINED (B)SHARED
450
(C) SHARED (C)NONE
491
INTEL CORP COMMON 458140-10-0 1,160,102 9,942 (A) SOLE (A)SOLE
6,136 8,943
(B) DEFINED (B)SHARED
3,806 739
(C) SHARED (C)NONE
260
INTERNATIONAL BUSINESS MACHINES CORP COMMON 459200-10-1 1,142,156 6,626 (A) SOLE (A)SOLE
6,196 6,476
(B) DEFINED (B)SHARED
430
(C) SHARED (C)NONE
150
FIRST INTERNATIONAL BANCSHARES, INC COMMON 459201-99-2 19,800 10,920 (A) SOLE (A)SOLE
10,920
(B) DEFINED (B)SHARED
10,920
(C) SHARED (C)NONE
FIRST INTERNATIONAL BANCSHARES, INC PREFERRED459202-99-0 10,200 10,920 (A) SOLE (A)SOLE
6.25% NONCUMULATIVE SERIES A PFD 10,920
(B) DEFINED (B)SHARED
10,920
(C) SHARED (C)NONE
JEFFERSON PILOT CORPORATION COMMON 475070-10-8 215,698 3,038 (A) SOLE (A)SOLE
COMMON 3,038 3,038
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
JOHNSON & JOHNSON COMMON 478160-10-4 1,304,300 14,284 (A) SOLE (A)SOLE
11,396 13,984
(B) DEFINED (B)SHARED
2,888 300
(C) SHARED (C)NONE
JUSTIN INDUSTRIES INC COMMON 482171-10-5 237,744 19,812 (A) SOLE (A)SOLE
19,812 19,812
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
KROGER COMPANY COMMON COMMON 501044-10-1 393,274 6,305 (A) SOLE (A)SOLE
5,905 5,711
(B) DEFINED (B)SHARED
400
(C) SHARED (C)NONE
594
ELI LILLY & CO COMMON 532457-10-8 601,529 7,124 (A) SOLE (A)SOLE
4,846 6,771
(B) DEFINED (B)SHARED
2,278
(C) SHARED (C)NONE
353
LUCENT TECHNOLOGIES INC COMMON COMMON 549463-10-7 2,879,679 28,215 (A) SOLE (A)SOLE
25,487 27,999
(B) DEFINED (B)SHARED
2,664 66
(C) SHARED (C)NONE
64 150
MARSH & MCLENNAN COS INC COMMON 571748-10-2 221,061 3,000 (A) SOLE (A)SOLE
3,000 3,000
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
MAY DEPARTMENT STORES COMMON 577778-10-3 265,578 7,094 (A) SOLE (A)SOLE
5,276 6,794
(B) DEFINED (B)SHARED
1,818
(C) SHARED (C)NONE
300
MCGRAW-HILL COMPANIES INC COMMON 580645-10-9 435,361 8,053 (A) SOLE (A)SOLE
7,371 7,289
(B) DEFINED (B)SHARED
682
(C) SHARED (C)NONE
764
MEDIA ONE GROUP INC COMMON 58440J-10-4 388,695 5,940 (A) SOLE (A)SOLE
N/C FROM US WEST MEDIA GROUP 5,592 5,940
(B) DEFINED (B)SHARED
348
(C) SHARED (C)NONE
MEDTRONIC INC. COMMON 585055-10-6 688,485 9,862 (A) SOLE (A)SOLE
8,574 9,762
(B) DEFINED (B)SHARED
1,288
(C) SHARED (C)NONE
100
MERCK & COMPANY INC COMMON 589331-10-7 4,957,047 61,674 (A) SOLE (A)SOLE
53,734 60,452
(B) DEFINED (B)SHARED
7,940 622
(C) SHARED (C)NONE
600
MERRILL LYNCH & CO COMMON 590188-10-8 234,300 2,640 (A) SOLE (A)SOLE
1,115 2,015
(B) DEFINED (B)SHARED
1,525 400
(C) SHARED (C)NONE
225
MICROSOFT CORP. COMMON 594918-10-4 957,956 5,378 (A) SOLE (A)SOLE
3,940 5,128
(B) DEFINED (B)SHARED
1,438
(C) SHARED (C)NONE
250
MINNESOTA MINING & MANUFACTURING CO COMMON 604059-10-5 895,704 12,739 (A) SOLE (A)SOLE
10,122 11,620
(B) DEFINED (B)SHARED
2,617 861
(C) SHARED (C)NONE
258
MOBIL OIL CORP COMMON 607059-10-2 1,496,980 16,820 (A) SOLE (A)SOLE
12,822 15,970
(B) DEFINED (B)SHARED
3,998 200
(C) SHARED (C)NONE
650
MORGAN J P & CO INC COMMON 616880-10-0 550,234 4,478 (A) SOLE (A)SOLE
3,503 4,300
(B) DEFINED (B)SHARED
975
(C) SHARED (C)NONE
178
MORGAN STANLEY, DEAN WITTER, COMMON 617446-44-8 698,260 6,804 (A) SOLE (A)SOLE
DISCOVER & CO 6,804 6,804
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
MORTON INTERNATIONAL INC NEW COMMON 619335-10-2 240,139 6,568 (A) SOLE (A)SOLE
3,895 6,283
(B) DEFINED (B)SHARED
2,673
(C) SHARED (C)NONE
285
MOTOROLA, INC COMMON 620076-10-9 1,207,212 16,150 (A) SOLE (A)SOLE
15,150 16,150
(B) DEFINED (B)SHARED
800
(C) SHARED (C)NONE
200
THE BANK OF NAVASOTA NATIONAL ASSN COMMON 638999-99-5 129,000 12,900 (A) SOLE (A)SOLE
6,500 6,400
(B) DEFINED (B)SHARED
6,400
(C) SHARED (C)NONE
6,500
NESTLE SA (REG) ADR+ COMMON 641069-40-6 281,325 3,100 (A) SOLE (A)SOLE
3,000 3,100
(B) DEFINED (B)SHARED
100
(C) SHARED (C)NONE
NEW CENTURY ENERGIES INC COM COMMON 64352U-10-3 210,757 5,916 (A) SOLE (A)SOLE
5,866 5,866
(B) DEFINED (B)SHARED
50 50
(C) SHARED (C)NONE
ORACLE CORP COMMON 68389X-10-5 228,937 8,325 (A) SOLE (A)SOLE
8,325 8,325
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
PEPSICO COMMON 713448-10-8 546,680 13,667 (A) SOLE (A)SOLE
12,827 13,117
(B) DEFINED (B)SHARED
840
(C) SHARED (C)NONE
550
PFIZER INC COMMON 717081-10-3 3,841,965 28,459 (A) SOLE (A)SOLE
23,713 27,850
(B) DEFINED (B)SHARED
4,746 309
(C) SHARED (C)NONE
300
PHILIP MORRIS COS INC COM COMMON 718154-10-7 1,349,288 33,680 (A) SOLE (A)SOLE
30,502 33,430
(B) DEFINED (B)SHARED
3,178
(C) SHARED (C)NONE
250
PITNEY BOWES INC COMMON 724479-10-0 555,843 9,075 (A) SOLE (A)SOLE
7,375 8,375
(B) DEFINED (B)SHARED
1,700 400
(C) SHARED (C)NONE
300
THE PROCTOR & GAMBLE CO COMMON 742718-10-9 1,480,611 14,918 (A) SOLE (A)SOLE
13,253 14,496
(B) DEFINED (B)SHARED
1,665 267
(C) SHARED (C)NONE
155
PUBLIC SERVICE ENTERPRISE GROUP INC COMMON 744573-10-6 230,853 5,948 (A) SOLE (A)SOLE
4,239 4,798
(B) DEFINED (B)SHARED
1,709
(C) SHARED (C)NONE
1,150
RELIANT ENERGY INC COMMON 75952J-10-8 251,321 9,016 (A) SOLE (A)SOLE
3,516 7,666
(B) DEFINED (B)SHARED
5,500
(C) SHARED (C)NONE
1,350
ROYAL DUTCH PETROLEUM CO. NEW COMMON 780257-80-4 714,210 13,604 (A) SOLE (A)SOLE
10,676 13,604
(B) DEFINED (B)SHARED
2,928
(C) SHARED (C)NONE
SBC COMMUNICATIONS INC COMMON 78387G-10-3 3,857,950 81,220 (A) SOLE (A)SOLE
78,000 78,790
(B) DEFINED (B)SHARED
3,020
(C) SHARED (C)NONE
200 2,430
SARA LEE CORPORATION COMMON 803111-10-3 662,268 25,350 (A) SOLE (A)SOLE
15,666 22,022
(B) DEFINED (B)SHARED
9,284 2,374
(C) SHARED (C)NONE
400 954
SCHERING PLOUGH CORP COMMON 806605-10-1 1,425,364 25,596 (A) SOLE (A)SOLE
20,614 23,774
(B) DEFINED (B)SHARED
4,982 702
(C) SHARED (C)NONE
1,120
SCHLUMBERGER LTD COMMON 806857-10-8 3,044,258 51,164 (A) SOLE (A)SOLE
47,955 49,922
(B) DEFINED (B)SHARED
3,209 917
(C) SHARED (C)NONE
325
SEARS ROEBUCK & CO COMMON 812387-10-8 271,423 5,949 (A) SOLE (A)SOLE
4,063 5,392
(B) DEFINED (B)SHARED
1,886
(C) SHARED (C)NONE
557
SOUTHERN CO COMMON 842587-10-7 237,724 9,533 (A) SOLE (A)SOLE
8,413 9,133
(B) DEFINED (B)SHARED
1,120 400
(C) SHARED (C)NONE
TEXACO INC COMMON 881694-10-3 462,275 8,320 (A) SOLE (A)SOLE
5,476 7,720
(B) DEFINED (B)SHARED
2,844 600
(C) SHARED (C)NONE
TEXAS INSTRUMENTS INC. COMMON 882508-10-4 288,936 3,000 (A) SOLE (A)SOLE
3,000 3,000
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
TEXAS UTILITIES CO COMMON 882848-10-4 284,559 6,570 (A) SOLE (A)SOLE
4,804 6,320
(B) DEFINED (B)SHARED
1,766 250
(C) SHARED (C)NONE
TEXTRON INC DEL COMMON 883203-10-1 281,700 3,600 (A) SOLE (A)SOLE
3,200 3,600
(B) DEFINED (B)SHARED
400
(C) SHARED (C)NONE
TIME WARNER INCORPORATED COMMON 887315-10-9 202,307 2,940 (A) SOLE (A)SOLE
2,940 2,940
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
TRANSAMERICA CORP COMMON 893485-10-2 490,770 6,840 (A) SOLE (A)SOLE
5,400 6,590
(B) DEFINED (B)SHARED
1,440
(C) SHARED (C)NONE
250
TRICON GLOBAL RESTAURANTS COMMON 895953-10-7 245,660 3,616 (A) SOLE (A)SOLE
3,306 3,116
(B) DEFINED (B)SHARED
310
(C) SHARED (C)NONE
500
US WEST INC NEW COMMON 91273H-10-1 312,664 5,640 (A) SOLE (A)SOLE
COM 5,537 5,640
N/C US WEST COMMUNICATIONS GROUP (B) DEFINED (B)SHARED
103
(C) SHARED (C)NONE
UNITED TECHNOLOGIES CORP COMMON 913017-10-9 691,416 5,238 (A) SOLE (A)SOLE
3,868 4,566
(B) DEFINED (B)SHARED
1,370 425
(C) SHARED (C)NONE
247
VALUE LINE CENTURIAN FUND COMMON 921000-10-5 336,707 6,099 (A) SOLE (A)SOLE
VALUE GUARD II ANNUITY 6,099 6,099
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
WAL MART STORES INC COMMON 931142-10-3 1,262,365 13,787 (A) SOLE (A)SOLE
13,687 13,787
(B) DEFINED (B)SHARED
100
(C) SHARED (C)NONE
WALGREEN CO. COMMON 931422-10-9 845,701 28,308 (A) SOLE (A)SOLE
21,096 26,096
(B) DEFINED (B)SHARED
7,212 1,092
(C) SHARED (C)NONE
1,120
WARNER-LAMBERT CO COMMON 934488-10-7 661,987 9,525 (A) SOLE (A)SOLE
9,225 9,525
(B) DEFINED (B)SHARED
300
(C) SHARED (C)NONE
WASATCH INTERNATIONAL CORP COMMON 936796-10-1 5,160 129,000 (A) SOLE (A)SOLE
129,000
(B) DEFINED (B)SHARED
129,000
(C) SHARED (C)NONE
WELLS FARGO & COMPANY NEW COMMON 949746-10-1 738,723 20,274 (A) SOLE (A)SOLE
COM 20,274 20,274
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
XEROX CORP COMMON 984121-10-3 643,884 12,250 (A) SOLE (A)SOLE
9,040 10,666
(B) DEFINED (B)SHARED
3,210 1,050
(C) SHARED (C)NONE
534
ZEYES INC COMMON 989599-99-8 318,000 4 (A) SOLE (A)SOLE
4
(B) DEFINED (B)SHARED
4
(C) SHARED (C)NONE
SALT CREEK RANCH, LLC COMMON LP8125-02-5 251,504 1 (A) SOLE (A)SOLE
50% INTEREST 1
(B) DEFINED (B)SHARED
1
(C) SHARED (C)NONE
MOYLE/MORGAN PROPERTY, LTD. COMMON SU2337-01-6 230,660 1 (A) SOLE (A)SOLE
1 1
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
GREEN LAKE LIMITED PARTNERSHIP COMMON SULPGR-LK-3 246,186 246,186 (A) SOLE (A)SOLE
246,186 246,186
(B) DEFINED (B)SHARED
(C) SHARED (C)NONE
TOTAL 109,757,387
</TABLE>
<PAGE>
<TABLE>
<S> <C>
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
SANTANDER FINANCE LTD PREF SERA G7804A103 12 500 SH SOLE 500 0 0
HILFIGER TOMMY CORP ORD G8915Z102 2182 31690 SH SOLE 31305 385 0
ROYAL CARIBBEAN CRUISE COM V7780T103 1624 41643 SH SOLE 41073 570 0
AEI REAL ESTATE FUND XVI CERTIFICATE #152 1000991 16 25 SH SOLE 25 0 0
AIM AGGRESSIVE GROWTH FUND/REINV 00141370R 57 1277 SH SOLE 1277 0 0
AT&T CORP COM 1957109 1124 14085 SH SOLE 14025 60 0
AT&T CORP COM 1957109 6 80 SH DEFINED 0 0 80
ABBOTT LABS COM 2824100 352 7539 SH SOLE 7539 0 0
ACNIELSEN CORP COM 4833109 4 166 SH SOLE 166 0 0
ALLIEDSIGNAL INC COM 19512102 84 1715 SH SOLE 1715 0 0
ALLSTATE CORP COM 20002101 75 2047 SH SOLE 2047 0 0
ALLTEL CORP COM 20039103 4 74 SH SOLE 74 0 0
AMERICAN ELEC PWR INC COM 25537101 6 167 SH SOLE 167 0 0
AMERICAN HOME PRODS CORP COM 26609107 551 8448 SH SOLE 8448 0 0
AMERICAN HOME PRODS CORP COM 26609107 52 800 SH DEFINED 800 0 0
AMERICAN INTERNATIONAL GROUP 26874107 248 2064 SH SOLE 2064 0 0
AMERITECH CORP COMMON 30954101 200 3476 SH SOLE 3476 0 0
AMERITECH CORP COMMON 30954101 43 750 SH DEFINED 750 0 0
AMGEN INC COM 31162100 2105 28122 SH SOLE 27582 540 0
AMP INC COM 31897101 464 8673 SH SOLE 8673 0 0
AMP INC COM 31897101 37 698 SH DEFINED 698 0 0
AMSOUTH BANCORPORATION COM 32165102 1037 22804 SH SOLE 22514 290 0
ANTIQUE COINS 35000991 0 5 PRN SOLE 5 0 0
ANHEUSER BUSCH CO 35229103 917 12055 SH SOLE 11927 128 0
APPLE COMPUTER INC COM 37833100 1124 31305 SH SOLE 30962 343 0
APPLIED MATLS INC COM 38222105 12 200 SH SOLE 200 0 0
ARCHER DANIELS MIDLAND CO COM 39483102 15 1070 SH SOLE 1070 0 0
ARCTIC CAT INC COM 39670104 24 2500 SH SOLE 2500 0 0
ASHLAND INC COM 44204105 2 55 SH SOLE 55 0 0
ASSOCIATES FIRST CAP "A" 46008108 4 106 SH SOLE 106 0 0
ATLANTIC RICHFIELD CO COM 48825103 292 4000 SH SOLE 4000 0 0
AUTOMATIC DATA PROCESSING COM 53015103 142 3450 SH SOLE 3450 0 0
AUTOMATIC DATA PROCESSING COM 53015103 49 1200 SH DEFINED 1200 0 0
BJ SVCS CO COM 55482103 23 1000 SH SOLE 0 1000 0
BP AMOCO P L C SPONSORED ADR 55622104 451 4471 SH SOLE 4471 0 0
BMC SOFTWARE INC COM 55921100 1954 52742 SH SOLE 52022 720 0
BAKER HUGHES INC COM 57224107 17 700 SH SOLE 0 700 0
BANK ONE CORP COM 06423A103 400 7281 SH SOLE 7281 0 0
BANK ONE CORP COM 06423A103 5 100 SH DEFINED 100 0 0
BANKAMERICA CORP NEW COM 06605F102 35 500 SH DEFINED 500 0 0
BARD C R INC COM 67383109 35 700 SH SOLE 0 700 0
BAXTER INTERNATIONAL COM 71813109 1 30 SH SOLE 30 0 0
BAXTER INTERNATIONAL COM 71813109 13 208 SH DEFINED 0 208 0
BELL ATLANTIC CORPORATION 77853109 147 2859 SH SOLE 2259 600 0
BELLSOUTH CORPORATION 79860102 2013 50260 SH SOLE 49710 550 0
BESTFOODS COM 08658U101 71 1521 SH SOLE 1521 0 0
BLACK & DECKER CORP COM 91797100 136 2463 SH SOLE 2463 0 0
BLACKROCK INVT QUALITY MUN T COM 09247D105 37 2424 SH DEFINED 0 2424 0
BOEING CO COM 97023105 330 9733 SH SOLE 9333 400 0
BORG-WARNER AUTOMOTIVE COM 99724106 1 21 SH SOLE 21 0 0
BORG-WARNER AUTOMOTIVE COM 99724106 0 12 SH DEFINED 12 0 0
BRISTOL MYERS SQUIBB 110122108 525 8200 SH SOLE 8200 0 0
BURLINGTON RES INC COM 122014103 48 1203 SH SOLE 503 700 0
CAMEO RING 126000991 0 1 PRN SOLE 1 0 0
CNF TRANSN INC COM 12612W104 47 1250 SH DEFINED 1250 0 0
CSX CORP 126408103 38 1000 SH SOLE 1000 0 0
CALLAWAY GOLF CO COM 131193104 2 200 SH SOLE 200 0 0
CAPITAL RESOURCES IN 140454109 0 91 SH SOLE 91 0 0
CARDINAL HEALTH INC COM 14149Y108 3 50 SH DEFINED 0 50 0
CENDANT CORP COM 151313103 3 200 SH SOLE 200 0 0
CENTURY TEL ENTERPRISES INC COM 156686107 626 8920 SH SOLE 8783 137 0
CHASE MANHATTAN CORP NEW COM 16161A108 803 9872 SH SOLE 9755 117 0
CHEVRON CORPORATION 166751107 284 3200 SH SOLE 2600 600 0
CHUBB CORP COM 171232101 597 10211 SH SOLE 10211 0 0
CINERGY CORP COM 172474108 11 400 SH SOLE 400 0 0
CISCO SYS INC COM 17275R102 7 67 SH SOLE 67 0 0
COCA COLA COMPANY 191216100 152 2480 SH SOLE 2480 0 0
COCA COLA ENTERPRISES INC COM 191219104 18 601 SH SOLE 601 0 0
COLUMBIA HCA/HEALTHCARE CORP 197677107 88 4700 SH SOLE 4700 0 0
COMAIR HOLDINGS INC COM 199789108 1006 42609 SH SOLE 42126 483 0
COMMSCOPE INC COM 203372107 6 333 SH SOLE 0 333 0
COMPAQ COMPUTER CORP 204493100 385 12160 SH SOLE 11760 400 0
COMPAQ COMPUTER CORP 204493100 15 500 SH DEFINED 500 0 0
COMPUTER ASSOC INTL INC COM 204912109 427 12020 SH SOLE 12020 0 0
COMPUTER ASSOC INTL INC COM 204912109 3 100 SH DEFINED 100 0 0
CONSOLIDATED NAT GAS COM 209615103 48 1000 SH SOLE 1000 0 0
CREDIT/MEDICAL/MISCELLANEOUS CARDS 212000996 0 10 PRN SOLE 10 0 0
COOPER CAMERON CORP COM 216640102 14 420 SH SOLE 420 0 0
COOPER TIRE & RUBR CO COM 216831107 6 350 SH DEFINED 350 0 0
COSTCO COMPANIES INC COM 22160Q102 1 15 SH SOLE 15 0 0
COTT CORPORATION 22163N106 5 2400 SH SOLE 2400 0 0
CRESCENT REAL ESTATE EQUITIE COM 225756105 8 400 SH DEFINED 0 400 0
CROSS TIMBERS OIL CO COM 227573102 15 2250 SH SOLE 0 2250 0
CULTURED PEARL STRAND 234000990 0 1 PRN SOLE 1 0 0
DANAHER CORP DEL COM 235851102 7 140 SH SOLE 140 0 0
DARDEN RESTAURANTS INC COM 237194105 1796 87147 SH SOLE 85947 1200 0
DAYTON HUDSON CORP COM 239753106 3649 54785 SH SOLE 54055 730 0
DELL COMPUTER CORP COM 247025109 182 4460 SH SOLE 4460 0 0
DELUXE CORP COM 248019101 29 1000 SH SOLE 1000 0 0
DELUXE CORP COM 248019101 11 400 SH DEFINED 400 0 0
DIAMOND CLUSTER RING 250000999 0 1 PRN SOLE 1 0 0
DIAMOND ENGAGEMENT RING 250001997 0 1 PRN SOLE 1 0 0
DIAMOND RING WITH SAPPHIRES 250002995 0 1 PRN SOLE 1 0 0
DIAMOND BRACELET 251000998 0 1 PRN SOLE 1 0 0
DIAMOND WATCH 251001996 0 1 PRN SOLE 1 0 0
DIME BANCORP INC NEW COM 25429Q102 1140 49193 SH SOLE 48678 515 0
DISNEY WALT COMPANY COM 254687106 388 12478 SH SOLE 12478 0 0
DREYFUS A BOND PLUS/REINVEST 26188010R 1 106 SH SOLE 106 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 599 10327 SH SOLE 10327 0 0
DUFF & PHELPS UTIL CORP BD T COM 26432K108 23 1560 SH DEFINED 0 1560 0
DUKE ENERGY CORP COM 264399106 19 355 SH SOLE 355 0 0
DOWNING CO INC 266002997 40 1000 SH SOLE 1000 0 0
DURAKON INDS INC COM 266334101 11 1000 SH SOLE 1000 0 0
E M C CORP MASS COM 268648102 4814 37686 SH SOLE 37256 430 0
EASTMAN KODAK CO COM 277461109 313 4904 SH SOLE 4904 0 0
EASTMAN KODAK CO COM 277461109 15 250 SH DEFINED 250 0 0
EL PASO GAS 283905107 78 2400 SH SOLE 600 1800 0
ELECTRONIC DATA SYSTEM COM 285661104 75 1550 SH SOLE 1550 0 0
EISENHOWER COIN 286000997 0 1 PRN SOLE 1 0 0
EMERSON ELEC CO COM 291011104 471 8916 SH SOLE 8916 0 0
EMERSON ELEC CO COM 291011104 31 600 SH DEFINED 600 0 0
ENRON CORP COM 293561106 41 645 SH SOLE 645 0 0
ENRON OIL & GAS CO COM 293562104 11 700 SH SOLE 700 0 0
ENTERGY CORP NEW COM 29364G103 17 642 SH SOLE 642 0 0
ERICKSON (LM) TELEPHONE CO NEW ADR 294821400 19 800 SH SOLE 800 0 0
EXXON CORP COM 302290101 1755 24885 SH SOLE 24735 150 0
EXXON CORP COM 302290101 176 2500 SH DEFINED 2500 0 0
FEDERAL NATL MTG ASSN COM 313586109 1194 17254 SH SOLE 17085 169 0
FEDERATED EQUITY INCOME FD A 313915100 9 498 SH SOLE 498 0 0
FED GOVT SEC 2-5 YR FND #47 31428P103 57 5377 SH SOLE 5377 0 0
FIDELITY MIDCAP/REINV 31580540R 64 4461 SH SOLE 4461 0 0
FIDELITY ADV GROWTH OPP FD CLASS T/REINV 31580720R 4 81 SH SOLE 81 0 0
FIDELITY ADV GROWTH OPP FD CLASS T 315807206 73 1486 SH SOLE 1486 0 0
FIDELITY LOW PRICE FUND/ REINVST 31634530R 357 16862 SH SOLE 16862 0 0
FIDELITY LOW PRICE STOCK FD #316 316345305 120 5659 SH SOLE 5659 0 0
FIDELITY GROWTH & INCOME 27C 316389204 6 137 SH SOLE 137 0 0
FIDELITY BLUE CHIP FUND/ REINVST 31638930R 992 18637 SH SOLE 18637 0 0
FIFTH THIRD BANCORP COM 316773100 73 1109 SH SOLE 1109 0 0
FIRST DATA CORP COM 319963104 29 680 SH SOLE 680 0 0
FORETHOUGHT FUNERAL PLANNING AGREEME NT 334000999 0 1 PRN SOLE 1 0 0
FIRST TRUST INSD MUNI BND FD SER 199 M 33734C610 42 85 SOLE 85 0 0
FIRST TRUST INSD MUNI BD FD SER 203 M 33734C685 42 70 SOLE 70 0 0
FIRST TRUST INSD MUNI BND SER 220 M 33734D246 151 150 SOLE 150 0 0
FIRST TRUST INSD MUNI BD FD SER 222 M 33734D287 149 150 SOLE 150 0 0
FIRST UN CORP COM 337358105 3 58 SH SOLE 58 0 0
FLEXSTEEL INDS INC COM 339382103 26 2000 SH DEFINED 2000 0 0
FORD MTR CO DEL COM 345370100 1186 20937 SH SOLE 20746 191 0
FORTUNE BRANDS INC COM 349631101 5 150 SH SOLE 150 0 0
FRANKLIN FED TAX FREE INCOME CL A 353519101 90 7343 SOLE 7343 0 0
FRANKLIN FED TAX FREE INCOME CL A 353519101 40 3318 DEFINED 0 3318 0
FREMONT GEN CORP COM 357288109 3 180 SH SOLE 180 0 0
FRESENIUS MEDCARE HLDGS INC 358030203 0 134 SH SOLE 134 0 0
FURS 360005995 0 3 PRN SOLE 3 0 0
GTE CORP COM 362320103 504 8337 SH SOLE 8137 200 0
GALLAHER GROUP PLC SPONSORED ADR 363595109 3 150 SH SOLE 150 0 0
GANNETT INC COM 364730101 247 3928 SH SOLE 3928 0 0
GENERAL DYNAMICS CORP COM 369550108 2139 33295 SH SOLE 33025 270 0
GENERAL ELEC CO COM 369604103 1339 12110 SH SOLE 12110 0 0
GENERAL INSTR CORP DEL COM 370120107 30 1000 SH SOLE 0 1000 0
GENERAL MTRS CORP COM 370442105 732 8419 SH SOLE 8419 0 0
GENERAL MTRS CORP COM 370442105 17 200 SH DEFINED 200 0 0
GENERAL MTRS CORP CL H NEW 370442832 15 300 SH SOLE 0 300 0
GENERAL SEMICONDUCTOR INC COM 370787103 1 250 SH SOLE 0 250 0
GEORGIA PAC CORP COM GA PAC GRP 373298108 0 1 SH SOLE 0 0 1
GILLETTE CO COM 375766102 678 11410 SH SOLE 11410 0 0
GOODYEAR TIRE & RUBR CO COM 382550101 74 1500 SH SOLE 1500 0 0
GOLD BROOCH WITH PINK CAMEO 386000996 0 1 PRN SOLE 1 0 0
14K YLLW GLD HNDMDE PENDANT SMOKEY QTZ STNE/ 386001994 0 1 PRN SOLE 1 0 0
GOLD NUGGET RING W/JACKET 386002992 0 2 PRN SOLE 2 0 0
GOLD RING WITH PURPLE STONE 386003990 0 1 PRN SOLE 1 0 0
GOLD RING W/GREEN SYNTHETIC STONE 386004998 0 1 PRN SOLE 1 0 0
GOLD RING WITH CULTURED PEARL 386005995 0 1 PRN SOLE 1 0 0
1 PAIR GRAPE STYLE EARRINGS 387000995 0 1 PRN SOLE 1 0 0
GOLD NUGGET RING WITH 5 BLACK STAR SAPPH 387001993 0 1 PRN SOLE 1 0 0
GRAPE PEARL RING 387002991 0 1 PRN SOLE 1 0 0
GREENWOOD - MT OLIVET, PLOT #6 LOT 100 393004999 0 1 PRN SOLE 1 0 0
GREENWOOD PRENEED FUNERAL PLAN 117.119/BPS 395002991 0 1 PRN SOLE 1 0 0
HALTER MARINE GROUP INC COM 40642Y105 13 2250 SH SOLE 0 2250 0
HALF DOLLAR KEY RINGS 410002992 0 6 PRN SOLE 6 0 0
OAKMARK FUND 413838103 6 177 SH SOLE 177 0 0
HAWAIIAN ELEC INDUSTRIES COM 419870100 10 300 SH DEFINED 0 300 0
HEINZ H J CO 423074103 142 3000 SH SOLE 3000 0 0
HERCULES INC COM 427056106 2 80 SH SOLE 80 0 0
HERSHEY FOODS CORP 427866108 84 1500 SH SOLE 1500 0 0
HEWLETT PACKARD CO COM 428236103 707 10438 SH SOLE 10438 0 0
HEWLETT PACKARD CO COM 428236103 74 1100 SH DEFINED 1100 0 0
HOUSE KEYS - 5001 WESTRIDGE AVE. FORT WORTH 430004994 0 3 PRN SOLE 3 0 0
HILB ROGAL AND HAMILTON COMPANY 431294107 10 600 SH SOLE 600 0 0
HILB ROGAL AND HAMILTON COMPANY 431294107 25 1500 SH DEFINED 1500 0 0
HOME DEPOT INC COM 437076102 201 3230 SH SOLE 3230 0 0
HOME DEPOT INC COM 437076102 12 200 SH DEFINED 200 0 0
HOMESTEAD VALUE FUND 437769201 8 311 SH SOLE 311 0 0
HONEYWELL INC COM 438506107 214 2834 SH SOLE 2834 0 0
HOUSEHOLD INTL INC COM 441815107 1 30 SH SOLE 30 0 0
ICON SERIES E 448000992 27 540 SH SOLE 540 0 0
IBP INC COM 449223106 667 35864 SH SOLE 35443 421 0
IMC GLOBAL INC COM 449669100 14 700 SH SOLE 0 700 0
ILLINOIS TOOL WKS INC COM 452308109 300 4856 SH SOLE 4856 0 0
IMATION CORP COM 45245A107 7 480 SH SOLE 480 0 0
INCOME OPPORTUNITIES FD 1999 COM 45333P107 36 3712 SH DEFINED 0 3712 0
INGERSOLL RAND CO COM 456866102 1131 22805 SH SOLE 22555 250 0
INTEL CORP COM 458140100 1388 11684 SH SOLE 11603 81 0
INTEL CORP COM 458140100 23 200 SH DEFINED 200 0 0
INTERNATIONAL BUS MACH COM 459200101 837 4725 SH SOLE 4725 0 0
INTERNATIONAL BUS MACH COM 459200101 88 500 SH DEFINED 500 0 0
INTL FLAVORS FRAGRANCE COM 459506101 112 3000 SH SOLE 3000 0 0
INTERNATIONAL PAPER CO COM 460146103 113 2700 SH SOLE 2700 0 0
INTERNATIONAL PAPER CO COM 460146103 21 500 SH DEFINED 500 0 0
INTERPUBLIC GROUP COMPANIES INC 460690100 198 2550 SH SOLE 2550 0 0
INTERTAN INC COM 461120107 14 1500 SH SOLE 1500 0 0
IPALCO ENTERPRISES INC COM 462613100 879 40103 SH SOLE 39651 452 0
IRANIAN COIN 465000990 0 1 PRN SOLE 1 0 0
JANUS INVT FD TWENTY FD 47102340R 958 14618 SH SOLE 14618 0 0
JANUS INVT FD BALANCEDFD 47102387R 471 22494 SH SOLE 22494 0 0
MISC JEWELRY/COINS 47400B995 0 1 PRN SOLE 1 0 0
MISCELLANEOUS JEWELRY 474994308 0 12 PRN SOLE 12 0 0
JEFFERSON PILOT CORP COM 475070108 975 14399 SH SOLE 14214 185 0
JOHNS MANVILLE CORP NEW COM 478129109 1082 62782 SH SOLE 62002 780 0
JOHNSON & JOHNSON COM 478160104 618 6620 SH SOLE 6620 0 0
JUST FOR FEET INC COM 48213P106 1 100 SH SOLE 100 0 0
KIMBERLY CLARK CORP COM 494368103 3 69 SH SOLE 69 0 0
KNIGHT RIDDER INC COM 499040103 962 19250 SH SOLE 19005 245 0
KROGER CO COM 501044101 57 967 SH SOLE 967 0 0
LADIES RING W/SMOKEY QUARTZ STONE 517000998 0 1 PRN SOLE 1 0 0
LASERSCOPE COM 518081104 15 12000 SH SOLE 12000 0 0
LEXMARK INTL GROUP INC CL A 529771107 3787 33855 SH SOLE 33520 335 0
LILLY ELI & CO COM 532457108 379 4468 SH SOLE 4268 200 0
LINCOLN NATL CORP IND COM 534187109 38 385 SH SOLE 385 0 0
LUCENT TECHNOLOGIES 549463107 4854 44951 SH SOLE 44531 420 0
LUCENT TECHNOLOGIES 549463107 129 1200 SH DEFINED 1150 0 50
MCI WORLDCOM INC COM 55268B106 10 124 SH SOLE 124 0 0
MAIL BOX KEY FOR 5001 WESTRIDGE F 553003997 0 1 PRN SOLE 1 0 0
1 5-PESO MXCN COIN NCKLCE IN 18K BEZ EL W/CHA 556001998 0 1 PRN SOLE 1 0 0
MINERAL INTEREST-OUACHITA CO AR 556994309 0 1 PRN SOLE 1 0 0
MINERAL INTEREST UPSHUR CO TEXAS 557994308 0 1 PRN SOLE 1 0 0
VARIOUS MINERAL INTERESTS 558994307 0 2 PRN SOLE 2 0 0
SE/4 SEC 333 BLK D 162.5 AC YOAKUM CNTY TX 559000997 0 1 PRN SOLE 1 0 0
E/2 OF SW/4 SEC 333 BLK D 162.5 ACYOAKUM C 559002993 0 1 PRN SOLE 1 0 0
MAGELLAN HEALTH SVCS COM 559079108 4 1000 SH SOLE 0 1000 0
MISC FOREIGN CURRENCY - BOX 560000994 0 1 PRN SOLE 1 0 0
MANAGERS FUND: INTERNATIONAL EQUITY 56171740R 240 4922 SH SOLE 4922 0 0
MANAGERS FUND: INTERNATIONAL EQUITY 561717406 10 218 SH SOLE 218 0 0
MARSH & MCLENNON COS INC 571748102 16 225 SH SOLE 225 0 0
MASCO CORP COM 574599106 11 400 SH SOLE 400 0 0
MATTEL INC COM 577081102 3 150 SH SOLE 150 0 0
MAY DEPT STORES CO COM 577778103 204 5232 SH SOLE 5232 0 0
MCDONALDS CORP. COMMON 580135101 543 12000 SH SOLE 12000 0 0
MCGRAW HILL COS INC COM 580645109 19 354 SH SOLE 354 0 0
MCKESSON HBOC INC COM 58155Q103 321 4868 SH SOLE 4868 0 0
MCKESSON HBOC INC COM 58155Q103 9 150 SH DEFINED 150 0 0
MCLEODUSA INC COM 582266102 1890 45000 SH SOLE 45000 0 0
MEDTRONIC INC COM 585055106 40 560 SH SOLE 560 0 0
MERCK & CO INC COM 589331107 1246 15562 SH SOLE 15562 0 0
MERCK & CO INC COM 589331107 16 200 SH DEFINED 200 0 0
MERRILL LYNCH & CO INC COM 590188108 1278 14452 SH SOLE 14452 0 0
MICROSOFT CORP COM 594918104 1093 12204 SH SOLE 12146 58 0
MINNESOTA MNG & MFG CO COM 604059105 428 6055 SH SOLE 6055 0 0
MOBIL CORP COM 607059102 92 1050 SH SOLE 1050 0 0
MOBIL CORP COM 607059102 17 200 SH DEFINED 200 0 0
MONARCH MACH TOOL CO COM 609150107 34 5000 SH SOLE 5000 0 0
FEDERATED GOV'T OBLIGATION FUND #5 60934N104 6 6931 PRN SOLE 6931 0 0
FEDERATED TAX FREE OBLIGATIONS #15 60934N401 6 6455 PRN DEFINED 6455 0 0
MORGAN J P & CO INC COM 616880100 387 3138 SH SOLE 3138 0 0
MORGAN STAN DEAN WITTR COM NEW 617446448 622 6230 SH SOLE 6133 97 0
MORTON INTL INC IND NEW COM 619335102 12 338 SH SOLE 338 0 0
MOTOROLA INC COM 620076109 864 11800 SH SOLE 11800 0 0
MOUNTAIN STATES RESOURCES CORP 624280103 0 1000 SH DEFINED 0 0 1000
MUNICIPAL INVT TR FD UT SER 266 M 626232375 1 10 SOLE 10 0 0
MUNICIPAL INVT TR FD UT SER 277 M 626232672 0 5 SOLE 5 0 0
MUNI ENHANCED FUND INC 626243109 84 7216 DEFINED 0 7216 0
MUNIVEST FD INC COM 626295109 35 3642 DEFINED 0 3642 0
MUNIYIELD FD INC COM 626299101 116 7500 SH SOLE 7500 0 0
MUNIYIELD INDS FD II INC COM 62630F104 233 16950 SH SOLE 16950 0 0
MYLAN LABS INC COM 628530107 954 34800 SH SOLE 34370 430 0
NCR CORP NEW COM 6.29E+112 6 125 SH SOLE 125 0 0
NEW ENGLAND ELEC SYS COM 644001109 14 300 SH SOLE 300 0 0
NIELSEN MEDIA RESEARCH COM NEW 653929307 10 424 SH SOLE 424 0 0
NOKIA CORP SPONSORED ADR 654902204 155 1000 SH SOLE 1000 0 0
NORFOLK SOUTHERN CORP COM 655844108 85 3235 SH SOLE 3235 0 0
NORWEST ADVANTAGE FDS SH GOVT INCM I 668903107 981 99795 SH SOLE 99795 0 0
NORWEST ADVANTAGE FDS SH GOVT INCM I 668903107 59 6062 SH DEFINED 0 5288 774
NORWEST ADVANTAGE FDS DIV SML CAP I 668903404 467 57392 SH SOLE 57392 0 0
NORWEST ADVANTAGE FDS DIV SML CAP I 668903404 24 2961 SH DEFINED 0 2961 0
NUVEEN INVT QUALITY MUN FD I COM 6.71E+107 31 1984 DEFINED 0 1984 0
NUVEEN SELECT TAX FREE INCM SH BEN INT 67063C106 61 3900 SH SOLE 3900 0 0
NUVEEN PREMIUM INCOME MUNI FUND 2 67063W102 250 15333 SH SOLE 15333 0 0
ODS NETWORKS INC COM 67082N109 14 5000 SH SOLE 5000 0 0
OEA INC COM 670826106 58 7110 SH SOLE 7110 0 0
NUVEEN QUALITY INCOME MUN FD COM 670977107 40 2496 DEFINED 0 2496 0
OPAL RING 681001996 0 1 PRN SOLE 1 0 0
ORACLE CORP COM 68389X105 1680 63732 SH SOLE 63033 699 0
PACCAR INC COM 693718108 1301 31617 SH SOLE 31232 385 0
PASSPORT - USA 694000993 0 3 PRN SOLE 3 0 0
PACIFICORP COM 695114108 4 250 SH SOLE 250 0 0
PALM TREE GOLD PENDANT 698000999 0 1 PRN SOLE 1 0 0
PARKER DRILLING CO COM 701081101 17 5000 SH SOLE 5000 0 0
PENNEY J C INC 708160106 40 1000 SH SOLE 1000 0 0
PENNEY J C INC 708160106 20 500 SH DEFINED 500 0 0
PENNZENERGY CO COM 70931Q109 26 2500 SH SOLE 2500 0 0
PENNZOIL-QUAKER STATE COMPAN COM 709323109 30 2500 SH SOLE 2500 0 0
PEPSICO INC COM 713448108 266 6812 SH SOLE 6812 0 0
PEPSICO INC COM 713448108 11 300 SH DEFINED 300 0 0
PERCEPTRON INC COM 71361F100 3 1000 SH SOLE 1000 0 0
PERVASIVE SOFTWARE INC COM 715710109 1 100 SH SOLE 100 0 0
PHARMACIA & UPJOHN INC COM 716941109 180 2900 SH SOLE 2900 0 0
PIPER PETROLEUM CO 717000996 3 25 SH SOLE 25 0 0
PFIZER INC COM 717081103 823 5934 SH SOLE 5934 0 0
PHILIP MORRIS COS COM 718154107 309 8800 SH SOLE 8800 0 0
PIONEER NAT RES CO COM 723787107 7 1000 SH SOLE 1000 0 0
PITNEY-BOWES INC COM 724479100 516 8103 SH SOLE 8103 0 0
PONDER INDS INC COM NEW 732378203 0 1200 SH SOLE 1200 0 0
POTAMAC ELECTRIC POWER CO 737679100 46 2000 SH SOLE 2000 0 0
PREMARK INTL INC COM 740459102 0 22 SH SOLE 22 0 0
PULIDO ASSOCIATES 741001994 20 20000 SH SOLE 20000 0 0
PROCTER & GAMBLE CO COM 742718109 412 4211 SH SOLE 4211 0 0
PROCTER & GAMBLE CO COM 742718109 58 600 SH DEFINED 600 0 0
PROLOGIS TR SH BEN INT 743410102 7 360 SH SOLE 360 0 0
PUTNAM INCOME FUND/REINVEST 74679210R 228 33682 SH SOLE 33682 0 0
PUTNAM INCOME FD INC CL A SHS 746792100 10 1622 SH SOLE 1622 0 0
PUTNAM INVESTORS/REINV 74680910R 52 3356 SH SOLE 3356 0 0
QUAKER OATS CO COM 747402105 1077 17309 SH SOLE 17119 190 0
R H DONNELLEY CORP COM NEW 74955W307 2 180 SH SOLE 180 0 0
RJR NABISCO HOLDINGS CORP 74960K876 32 1300 SH SOLE 1300 0 0
RPC INC COM 749660106 32 5000 SH SOLE 5000 0 0
RAILTEX INC COM 750766107 11 1000 SH SOLE 1000 0 0
READERS DIGEST ASSN INC CL B 755267200 5 200 SH SOLE 200 0 0
RELIABILITY INC COM 759903107 3 1000 SH SOLE 1000 0 0
REPUBLIC RES INC 760748103 0 91 SH SOLE 91 0 0
RESIDENTIAL RES MTG INVT CP COM 760929109 1 1000 SH SOLE 1000 0 0
SURETY AMERICAN LIFE INSURANCE COM 761001999 473 157718 SH SOLE 157718 0 0
28.75% UND INT 480,000 SURP DEB/SUR AMER LIF 761003995 129 129964 PRN SOLE 129964 0 0
REVLON INC CL A 761525500 0 10 SH SOLE 10 0 0
RITE AID CORP COM 767754104 12 500 SH SOLE 500 0 0
ROSS STORES INC COM 778296103 2160 49325 SH SOLE 48600 725 0
RUSSELL CORP COM 782352108 10 500 SH DEFINED 500 0 0
SBC COMMUNICATIONS INC 78387G103 103 2199 SH SOLE 2199 0 0
SARA LEE CORP COM 803111103 230 9296 SH SOLE 9296 0 0
SCHERING PLOUGH CORP COM 806605101 3326 60201 SH SOLE 59671 530 0
SCHLUMBERGER LTD COM 806857108 1082 17992 SH SOLE 17284 708 0
SCHLUMBERGER LTD COM 806857108 24 400 SH DEFINED 400 0 0
SEAGATE TECHNOLOGY COM 811804103 595 20130 SH SOLE 19817 313 0
SEARS ROEBUCK & CO 812387108 437 9694 SH SOLE 9694 0 0
SEARS ROEBUCK & CO 812387108 4 100 SH DEFINED 100 0 0
SILVER DOLLAR COIN JEWELRY PIECES 815002993 0 3 PRN SOLE 3 0 0
1925 SILVER DOLLAR ON 18K GOLD CHAIN 815004999 0 1 PRN SOLE 1 0 0
SILVER PIN W/AZTEC DESIGN 816000996 0 1 PRN SOLE 1 0 0
SELIGMAN COMMUNICATIONS & INFORMATION FUND 81633320R 25 875 SH SOLE 875 0 0
SENTINEL GROUP FDS INC COM STK FD SH 817270309 384 9017 SH DEFINED 0 9017 0
SERVICE CORP INTL COM 817565104 125 8783 SH SOLE 8783 0 0
SERVICE CORP INTL COM 817565104 19 1350 SH DEFINED 1350 0 0
SERVICEMASTER CO COM 81760N109 11 561 SH SOLE 123 438 0
14K GOLD STAR SAPPHIRE RING 818000994 0 1 PRN SOLE 1 0 0
SONAT INC COM 835415100 15 500 SH SOLE 500 0 0
SOUTHDOWN INC COM 841297104 14 264 SH SOLE 264 0 0
SOUTHERN CO COM 842587107 9 400 SH SOLE 400 0 0
SOUTHTRUST CORP COM 844730101 16 450 SH SOLE 450 0 0
SUCCESSORIES INC COM 864591102 3 1500 SH SOLE 1500 0 0
SUNBEAM CORP COM 867071102 0 50 SH SOLE 50 0 0
SUNDSTRAND CORP COM 867323107 373 5373 SH SOLE 5373 0 0
SYSCO CORP 871829107 13 500 SH SOLE 500 0 0
TJX COS INC NEW COM 872540109 3549 104403 SH SOLE 102853 1550 0
T R W INC COM 872649108 187 4110 SH SOLE 4110 0 0
TANDY CORP 875382103 1914 30000 SH SOLE 30000 0 0
TEMPLETON GLOBAL INCOME FD I COM 880198106 26 4000 SH DEFINED 0 4000 0
TENET HEALTHCARE CORP COM 88033G100 18 1000 SH SOLE 0 1000 0
TENNECO INC NEW COM 8.80E+105 206 7385 SH SOLE 7385 0 0
TENNECO INC NEW COM 8.80E+105 6 250 SH DEFINED 250 0 0
TEXACO INC COM 881694103 232 4100 SH SOLE 4100 0 0
TEXACO INC COM 881694103 22 400 SH DEFINED 400 0 0
TEXAS AMER RES INC 882160302 0 455 SH SOLE 455 0 0
TEXAS INSTRS, INC 882508104 397 4000 SH SOLE 4000 0 0
TEXAS UTILS CO HLDG CO 882848104 27 650 SH SOLE 650 0 0
TEXAS UTILS CO HLDG CO 882848104 8 200 SH DEFINED 200 0 0
TIME WARNER INC COM 887315109 124 1752 SH SOLE 1752 0 0
TOYS "R" US INC 892335100 1 100 SH SOLE 100 0 0
TRANSAMERICA CORP COM 893485102 11 166 SH SOLE 166 0 0
TRANSOCEAN OFFSHORE INC COM 893817106 339 11793 SH SOLE 11793 0 0
TRI CONTL CORP COM 895436103 290 10000 SH SOLE 10000 0 0
TRICON GLOBAL RESTAURANTS COM 895953107 250 3565 SH SOLE 3565 0 0
TRICON GLOBAL RESTAURANTS COM 895953107 2 35 SH DEFINED 35 0 0
TURKISH GOLD COIN W CHAIN 896005998 0 1 PRN SOLE 1 0 0
TRINITY INDS INC COM 896522109 40 1387 SH DEFINED 1387 0 0
US BANCORP DEL COM 902973106 7 224 SH SOLE 224 0 0
ULTIMATE ELECTRS INC COM 903849107 18 2000 SH DEFINED 2000 0 0
UNION PAC CORP COM 907818108 135 2535 SH SOLE 2535 0 0
UNISON HEALTHCARE CORP COM 909196107 1 3445 SH SOLE 3445 0 0
UNISYS CORP COM 909214108 1087 39298 SH SOLE 38868 430 0
UNITED TECHNOLOGIES CORP COM 913017109 712 5260 SH SOLE 5260 0 0
VTEL CORP COM 918333105 7 2100 SH SOLE 2100 0 0
VANGUARD GROWTH & INCOME 92191310R 1080 33612 SH SOLE 33612 0 0
VANGUARD GROWTH & INCOME 921913109 12 382 SH SOLE 382 0 0
VANGUARD WELLINGTON FUND/ REINVEST 92193510R 612 21037 SH SOLE 21037 0 0
VANGUARD INTERMEDIATE BOND INDEX FD#314 921937306 113 11175 SH SOLE 11175 0 0
VANGUARD INDEX 500 PORTFOLIO #40/REI NVEST 92290810R 2 22 SH SOLE 22 0 0
WABASH NATL CORP COM 929566107 3 300 SH SOLE 300 0 0
WABASH NATL CORP COM 929566107 18 1600 SH DEFINED 1600 0 0
WAL MART STORES INC COM 931142103 184 2000 SH SOLE 2000 0 0
WALGREEN CO COM 931422109 233 8260 SH SOLE 8260 0 0
WASHINGTON MUT INC COM 939322103 8 200 SH SOLE 200 0 0
WASTE MGMT INC DEL COM 94106L109 17 400 SH SOLE 400 0 0
WHITE OPAL RING 946001997 0 1 PRN SOLE 1 0 0
WELLMAN INC COM 949702104 8 1000 SH DEFINED 1000 0 0
WELLS FARGO & CO NEW COM 949746101 4055 115669 SH SOLE 115669 0 0
WELLS FARGO & CO NEW COM 949746101 2755 78588 SH DEFINED 0 0 78588
WESTON ROY F INC CL A 961137106 31 14000 SH SOLE 14000 0 0
XEROX CORP COM 984121103 457 8770 SH SOLE 8770 0 0
YPF SOCIEDAD ANONIMA SPON ADRCL D 984245100 63 2000 SH SOLE 2000 0 0
TOTAL 120813
</TABLE>
<PAGE>
<TABLE>
<S> <C>
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
- ------------------------------------------------------------------------------------------------------------------------------------
ALBERTSONS INC COM COMMON 013104104 16 300 SH SOLE 300
AMGEN INC COM COMMON 031162100 30 400 SH SOLE 400
CISCO SYS INC COM COMMON 17275R102 33 300 SH SOLE 300
CITIGROUP INC COM COMMON 172967101 64 1000 SH SOLE 1000
COCA COLA CO COM COMMON 191216100 12 200 SH SOLE 200
COLGATE PALMOLIVE CO COM COMMON 194162103 18 200 SH SOLE 200
DISNEY WALT COMPANY COM COMMON 254687106 16 500 SH SOLE 500
ENRON CORP COM COMMON 293561106 26 400 SH SOLE 400
FEDERAL NATL MTG ASSN COM COMMON 313586109 21 300 SH SOLE 300
GALILEO INTERNATIONAL INC COM COMMON 363547100 10 200 SH SOLE 200
GENENTECH INC COM SPL COM SPL 368710307 44 500 SH SOLE 500
GILLETTE CO COM COMMON 375766102 24 400 SH SOLE 400
HALLIBURTON CO COM COMMON 406216101 15 400 SH SOLE 400
INTEL CORP COM COMMON 458140100 24 200 SH SOLE 200
INTERNATIONAL BUS MACH COM COMMON 459200101 35 200 SH SOLE 200
MEDTRONIC INC COM COMMON 585055106 22 300 SH SOLE 300
MERCK & CO INC COM COMMON 589331107 32 400 SH SOLE 400
ORACLE CORP COM COMMON 68389X105 12 450 SH SOLE 450
PEPSI BOTTLING GROUP COM COMMON 713409100 43 2000 SH SOLE 2000
PFIZER INC COM COMMON 717081103 42 300 SH SOLE 300
TIME WARNER INC COM COMMON 887315109 57 800 SH SOLE 800
HELEN OF TROY CORP LTD COM COMMON G4388N106 39 3000 SH SOLE 3000
==== ==== ======= ====
REPORT TOTALS 12 639 12750 750
</TABLE>
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