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Previous: MANUFACTURERS ADVISER CORP, 13F-HR, 1999-08-13 |
Next: HIGH COAST LTD PARTNERSHIP/NY, 13F-NT, 1999-08-13 |
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 6/30/99
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:
/s/ B.J. MCDANIEL LUBBOCK, TX 7/3/99
- ---------------------------- ----------------------- -------------
[Signature] [City, State] [Date]
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: 388
FORM 13F INFORMATION TABLE VALUE TOTAL: $327,188
<PAGE>
<TABLE>
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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
A T & T CORP COM COMMON STOCK 001957109 5459 97811 SH OTHER 90369 1180 6262
ABBOTT LABS COMMON STOCK 002824100 1097 24170 SH OTHER 24170 0 0
ACM GOVT SECS FD INC COM COMMON STOCK 000914101 24 2949 SH OTHER 2949 0 0
ADAMS EXPRESS CO COMMON STOCK 006212104 52 1794 SH OTHER 1794 0 0
AIR PRODS & CHEMS INC COM COMMON STOCK 009158106 185 4600 SH OTHER 0 0 4600
ALBERTSONS INC 1 COM & 1 TAKEO COMMON STOCK 013104104 1116 21639 SH OTHER 21072 0 567
ALCOA INC COMMON STOCK 013817101 1733 28000 SH OTHER 28000 0 0
ALLEGHENY ENERGY INC COM COMMON STOCK 017361106 13 400 SH OTHER 400 0 0
ALLIANT COMMUNICATIONS INC COM COMMON STOCK 016090102 92 2000 SH OTHER 2000 0 0
ALLIANT CORP COMMON STOCK 018802108 21 726 SH OTHER 726 0 0
ALLIEDSIGNAL INC COM 1 COM & 1 COMMON STOCK 019512102 1536 24379 SH OTHER 24149 0 230
ALLMERICA FINL CORP COM COMMON STOCK 019754100 128 2105 SH OTHER 2105 0 0
ALLSTATE CORP COM COMMON STOCK 020002101 950 26485 SH OTHER 24053 300 2132
ALLTEL CORP 1 COM & 1 TAKEOVER COMMON STOCK 020039103 38 527 SH OTHER 527 0 0
AMEREN CORP COM COMMON STOCK 023608102 31 798 SH OTHER 798 0 0
AMERICA ONLINE INC DEL COM COMMON STOCK 02364J104 285 2590 SH OTHER 2490 0 100
AMERICAN ELEC PWR INC COMMON STOCK 025537101 38 1007 SH OTHER 1007 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 787 6050 SH OTHER 6050 0 0
AMERICAN GEN CORP 1 COM & 1 COMMON STOCK 026351106 567 7522 SH OTHER 7522 0 0
AMERICAN HEALTH PPTYS INC 1 CO COMMON STOCK 026494104 20 1000 SH OTHER 1000 0 0
AMERICAN HOME PRODS CORP COMMON STOCK 026609107 2064 35978 SH OTHER 24880 0 11098
AMERICAN INTL GROUP INC COMMON STOCK 026874107 3257 27774 SH OTHER 27277 0 497
AMERICAN NATL INS CO COM COMMON STOCK 028591105 121 1705 SH OTHER 1705 0 0
AMERICAN PWR CONVERSION CORP COMMON STOCK 029066107 12 600 SH OTHER 600 0 0
AMERITECH CORP NEW 1 COM & 1 COMMON STOCK 030954101 597 8118 SH OTHER 7790 28 300
AMGEN INC COMMON STOCK 031162100 73 1200 SH OTHER 1200 0 0
ANADARKO PETE CORP 1 COM & 1 COMMON STOCK 032511107 6 172 SH OTHER 172 0 0
APEX MUN FD INC COM COMMON STOCK 037580107 21 2000 SH OTHER 2000 0 0
APPLE COMPUTER INC 1 COM & 1 COMMON STOCK 037833100 23 500 SH OTHER 500 0 0
APPLIED MATLS INC 1 COM & 1 COMMON STOCK 038222105 96 1300 SH OTHER 1300 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 14 899 SH OTHER 899 0 0
ARROW ELECTRS INC 1 CMN AND 1 COMMON STOCK 042735100 28 1486 SH OTHER 1486 0 0
ASSOCIATES FIRST CAP CORP CL A COMMON STOCK 046008108 37 840 SH OTHER 550 290 0
ATLANTIC RICHFIELD COMMON STOCK 048825103 1975 23637 SH OTHER 23593 0 44
AUTOLIV INC COM COMMON STOCK 052800109 61 2023 SH OTHER 1830 0 193
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 1186 26950 SH OTHER 26450 0 500
AVISTA CORP COMMON STOCK 05379B107 7 400 SH OTHER 400 0 0
BAKER HUGHES INC 1 COM & 1 COMMON STOCK 057224107 130 3890 SH OTHER 3890 0 0
BANK NEW YORK INC 1 COM & 1 COMMON STOCK 064057102 16 448 SH OTHER 448 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 340 4638 SH OTHER 4638 0 0
BANK ONE CORP COMMON STOCK 06423A103 371 6237 SH OTHER 5929 0 308
BANKBOSTON CORP COM COMMON STOCK 06605R106 307 6000 SH OTHER 6000 0 0
BEAR STEARNS COS INC COMMON STOCK 073902108 20 425 SH OTHER 425 0 0
BECTON DICKINSON & CO 1 COM & COMMON STOCK 075887109 89 2970 SH OTHER 2970 0 0
BELL ATLANTIC CORP 1 COM & 1 COMMON STOCK 077853109 1017 15551 SH OTHER 15551 0 0
BELLSOUTH CORP 1 COM & 1 TAKEO COMMON STOCK 079860102 1100 23854 SH OTHER 20208 46 3600
BELO A H CORP CL A 1 COM & 1 COMMON STOCK 080555105 6 300 SH OTHER 300 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670108 138 2 SH OTHER 2 0 0
BERKSHIRE HATHAWAY INC DEL CL COMMON STOCK 084670207 103 46 SH OTHER 46 0 0
BESTFOODS COM COMMON STOCK 08658U101 867 17510 SH OTHER 17210 0 300
BLACK & DECKER MFG CO 1 COM & COMMON STOCK 091797100 152 2400 SH OTHER 2400 0 0
BLACKROCK 2001 TERM TR INC COM COMMON STOCK 092477108 54 5977 SH OTHER 5977 0 0
BLOCK H & R INC 1 COM & 1 TAKE COMMON STOCK 093671105 235 4700 SH OTHER 4700 0 0
BOEING CO 1 COM & 1 TAKEOVER R COMMON STOCK 097023105 638 14500 SH OTHER 14400 0 100
BP PRUDHOE BAY RTY TR UNIT BEN COMMON STOCK 055630107 7 1000 SH OTHER 1000 0 0
BRADLEY REAL ESTATE INC COM COMMON STOCK 104580105 42 2000 SH OTHER 2000 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 5793 82247 SH OTHER 73699 0 8548
BROWNING FERRIS INDS INC 1 COM COMMON STOCK 115885105 19 450 SH OTHER 450 0 0
BUCKEYE PARTNERS L P UNIT LTD COMMON STOCK 118230101 55 2000 SH OTHER 2000 0 0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK 12189T104 235 7569 SH OTHER 2844 0 4725
BURLINGTON RES INC COM COMMON STOCK 122014103 21 475 SH OTHER 475 0 0
CALIFORNIA COASTAL COMM INC CO COMMON STOCK 129915104 1 81 SH OTHER 81 0 0
CAMPBELL SOUP CO COMMON STOCK 134429109 167 3600 SH OTHER 3600 0 0
CARNIVAL CORP CL A COMMON STOCK 143658102 6 125 SH OTHER 125 0 0
CAROLINA PWR & LT CO COMMON STOCK 144141108 34 800 SH OTHER 800 0 0
CATERPILLAR INC 1 COM & TAKEOV COMMON STOCK 149123101 159 2644 SH OTHER 2644 0 0
CAVALIER HOMES INC COM COMMON STOCK 149507105 417 50973 SH OTHER 47842 0 3131
CBS CORPORATION COM COMMON STOCK 12490K107 1089 25000 SH OTHER 25000 0 0
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 223 9538 SH OTHER 9538 0 0
CHAMPION INTL CORP 1 COM & 1 COMMON STOCK 158525105 7 138 SH OTHER 138 0 0
CHASE MANHATTAN CORP NEW COM COMMON STOCK 16161A108 258 2985 SH OTHER 2985 0 0
CHEVRON CORP 1 COM & 1 TAKEOVE COMMON STOCK 166751107 5227 54985 SH OTHER 50706 0 4279
CHUBB CORP COM COMMON STOCK 171232101 275 3950 SH OTHER 3200 0 750
CIGNA CORP 1 COM & 1 TAKEOVER COMMON STOCK 125509109 20 225 SH OTHER 225 0 0
CILCORP INC COMMON STOCK 171794100 10 166 SH OTHER 166 0 0
CINERGY CORP COM COMMON STOCK 172474108 22 700 SH OTHER 700 0 0
CISCO SYS INC COMMON STOCK 17275R102 774 12014 SH OTHER 10740 0 1274
CITIGROUP INC COMMON STOCK 172967101 7406 155913 SH OTHER 155351 0 562
CITIZENS UTILS CO DEL SER B COMMON STOCK 177342201 766 68865 SH OTHER 68865 0 0
CLOROX CO COMMON STOCK 189054109 76 712 SH OTHER 712 0 0
COCA COLA CO COMMON STOCK 191216100 6710 108228 SH OTHER 104867 0 3361
COEUR D ALENE MINES CORP IDAHO COMMON STOCK 192108108 0 102 SH OTHER 102 0 0
COLGATE PALMOLIVE CO 1 COM & 1 COMMON STOCK 194162103 214 2171 SH OTHER 971 0 1200
COLUMBIA / HCA HEALTHCARE CORP COMMON STOCK 197677107 33 1450 SH OTHER 1450 0 0
COMPAQ COMPUTER CORP 1 COM & 1 COMMON STOCK 204493100 1687 71200 SH OTHER 63805 0 7395
COMPASS BANCSHARES INC COM COMMON STOCK 20449H109 89 3262 SH OTHER 3262 0 0
COMPUTER ASSOC INTL INC COMMON STOCK 204912109 11 200 SH OTHER 200 0 0
CONEXANT SYS INC COMMON STOCK 207142100 35 600 SH OTHER 600 0 0
CONSECO INC COMMON STOCK 208464107 70 2301 SH OTHER 2301 0 0
CONSOLIDATED EDISON INC COM COMMON STOCK 209115104 63 1400 SH OTHER 1400 0 0
CONSOLIDATED NAT GAS CO COMMON STOCK 209615103 97 1600 SH OTHER 1600 0 0
CONSTELLATION ENERGY GROUP INC COMMON STOCK 210371100 17 570 SH OTHER 570 0 0
COOPER TIRE & RUBR CO 1 COM & COMMON STOCK 216831107 19 800 SH OTHER 800 0 0
CORN PRODS INTL INC COM COMMON STOCK 219023108 20 661 SH OTHER 625 0 36
CORPORATE EXPRESS INC COM COMMON STOCK 219888104 4 500 SH OTHER 500 0 0
CSX CORP 1 COM & 1 TAKEOVER RT COMMON STOCK 126408103 141 3110 SH OTHER 3110 0 0
CYPRUS AMAX MINERALS CO COM COMMON STOCK 232809103 107 7000 SH OTHER 7000 0 0
DARDEN RESTAURANTS INC COM COMMON STOCK 237194105 58 2650 SH OTHER 2400 250 0
DATA DIMENSIONS INC COM PAR $0 COMMON STOCK 237654207 1 297 SH OTHER 297 0 0
DAYTON HUDSON CORP 1 COM & 1 COMMON STOCK 239753106 70 1080 SH OTHER 1080 0 0
DEBT STRATEGIES @CORP FUND II COMMON STOCK 242901106 17 2000 SH OTHER 2000 0 0
DELL COMPUTER CORP COMMON STOCK 247025109 159 4296 SH OTHER 4296 0 0
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 564 30464 SH OTHER 30064 0 400
DISNEY WALT CO COM COMMON STOCK 254687106 1350 43800 SH OTHER 43300 0 500
DOMINION RES INC VA COMMON STOCK 257470104 3 60 SH OTHER 60 0 0
DOVER CORP 1 COM & 1 TAKEOVER COMMON STOCK 260003108 16 450 SH OTHER 450 0 0
DOW CHEM CO COMMON STOCK 260543103 3365 26525 SH OTHER 24975 50 1500
DPL INC 1 COM & 1 TAKEOVER RT COMMON STOCK 233293109 6 337 SH OTHER 337 0 0
DQE INC COMMON STOCK 23329J104 1 25 SH OTHER 25 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 5731 83897 SH OTHER 83552 0 345
DUKE ENERGY CORP COMMON STOCK 264399106 723 13289 SH OTHER 10157 0 3132
DUN & BRADSTREET CORP COM COMMON STOCK 26483B106 565 15940 SH OTHER 15440 0 500
E M C CORP MASS COMMON STOCK 268648102 421 7650 SH OTHER 7650 0 0
EASTMAN CHEM CO COM COMMON STOCK 277432100 44 848 SH OTHER 848 0 0
EASTMAN KODAK CO COMMON STOCK 277461109 422 6231 SH OTHER 6031 0 200
EATON CORP 1 COM & 1 TAKEOVER COMMON STOCK 278058102 248 2700 SH OTHER 2700 0 0
EDISON INTL COM COMMON STOCK 281020107 183 6855 SH OTHER 6855 0 0
EDWARDS A G INC 1 COM & 1 TAKE COMMON STOCK 281760108 65 2020 SH OTHER 1405 0 615
EEX CORP COMMON STOCK 26842V207 1 155 SH OTHER 155 0 0
EL PASO ENERGY CORP COMMON STOCK 283905107 52 1477 SH OTHER 1477 0 0
ELECTRONIC DATA SYS CORP NEW C COMMON STOCK 285661104 799 14111 SH OTHER 14111 0 0
ELI LILLY & CO 1 COM & 1 TAKEO COMMON STOCK 532457108 192 2683 SH OTHER 1925 0 758
EMERSON ELEC CO 1 COM & 1 TAKE COMMON STOCK 291011104 1825 28993 SH OTHER 24793 0 4200
ENERGY EAST CORP COM COMMON STOCK 29266M109 13 482 SH OTHER 482 0 0
ENRON CORP COM COMMON STOCK 293561106 12 149 SH OTHER 149 0 0
ENTERGY CORP NEW COM COMMON STOCK 29364G103 441 14100 SH OTHER 8650 0 5450
EXCO RES INC COMMON STOCK 269279204 31 4664 SH OTHER 4664 0 0
EXXON CORP COMMON STOCK 302290101 44782 580647 SH OTHER 572278 832 7537
FANNIE MAE COMMON STOCK 313586109 4987 73075 SH OTHER 70960 400 1715
FIFTH THIRD BANCORP COMMON STOCK 316773100 402 6039 SH OTHER 5365 0 674
FIRST DATA CORP COM COMMON STOCK 319963104 338 6900 SH OTHER 2900 0 4000
FIRST UN CORP COMMON STOCK 337358105 186 3950 SH OTHER 3950 0 0
FIRSTENERGY CORP COM COMMON STOCK 337932107 2 58 SH OTHER 58 0 0
FLORIDA PROGRESS CORP 1 COM & COMMON STOCK 341109106 8 200 SH OTHER 200 0 0
FLUOR CORP 1 COM & 1 TAKEOVER COMMON STOCK 343861100 18 450 SH OTHER 450 0 0
FORD MOTOR CO DEL COMMON STOCK 345370100 1168 20698 SH OTHER 19541 956 201
FORTUNE BRANDS INC COM COMMON STOCK 349631101 561 13564 SH OTHER 13564 0 0
FREDDIE MAC COMMON STOCK 313400301 28 480 SH OTHER 480 0 0
FRONTIER CORP COM COMMON STOCK 35906P105 352 6000 SH OTHER 6000 0 0
GANNETT INC 1 COM & 1 TAKEOVER COMMON STOCK 364730101 968 13565 SH OTHER 13465 0 100
GAP INC COMMON STOCK 364760108 47 938 SH OTHER 938 0 0
GENERAL ELEC CO COMMON STOCK 369604103 14053 124364 SH OTHER 110911 0 13453
GENERAL MILLS INC 1 COM & 1 COMMON STOCK 370334104 1033 12850 SH OTHER 12600 250 0
GENERAL MTRS CORP COMMON STOCK 370442105 3179 48173 SH OTHER 45598 0 2575
GENERAL MTRS CORP CL H NEW COMMON STOCK 370442832 190 3368 SH OTHER 3368 0 0
GILLETTE CO COM COMMON STOCK 375766102 1109 27056 SH OTHER 18406 0 8650
GLOBAL INDS LTD COM COMMON STOCK 379336100 6 500 SH OTHER 500 0 0
GOLDFIELD CORP COMMON STOCK 381370105 0 100 SH OTHER 100 0 0
GOODYEAR TIRE & RUBR CO 1 COM COMMON STOCK 382550101 35 600 SH OTHER 600 0 0
GPU INC COM COMMON STOCK 36225X100 13 300 SH OTHER 300 0 0
GRAINGER W W INC 1 COM & 1 COMMON STOCK 384802104 86 1600 SH OTHER 1600 0 0
GREAT LAKES CHEM CORP 1 COM & COMMON STOCK 390568103 97 2100 SH OTHER 600 0 1500
GTE CORP 1 COM & 1 TAKEOVER RT COMMON STOCK 362320103 1803 23877 SH OTHER 23202 0 675
GUIDANT CORP COM COMMON STOCK 401698105 51 1000 SH OTHER 1000 0 0
HALLIBURTON CO 1 COM & 1 TAKEO COMMON STOCK 406216101 817 18060 SH OTHER 18060 0 0
HARLEY DAVIDSON INC 1 COM & 1 COMMON STOCK 412822108 8 150 SH OTHER 150 0 0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK 416515104 198 3396 SH OTHER 2088 0 1308
HEINZ H J CO COMMON STOCK 423074103 520 10373 SH OTHER 10373 0 0
HERCULES INC 1 COM & 1 TAKEOVE COMMON STOCK 427056106 70 1775 SH OTHER 1775 0 0
HEWLETT PACKARD CO COMMON STOCK 428236103 3169 31535 SH OTHER 30685 0 850
HOME DEPOT INC COMMON STOCK 437076102 2481 38503 SH OTHER 31854 0 6649
HONEYWELL INC 1 COM & 1 TAKEOV COMMON STOCK 438506107 1538 13270 SH OTHER 13095 0 175
HOUSEHOLD INTL INC COM COMMON STOCK 441815107 178 3750 SH OTHER 1350 2400 0
HRPT PPTY TR COM COMMON STOCK 40426W101 8 500 SH OTHER 500 0 0
HUSSMANN INTERNATIONAL, INC CO COMMON STOCK 448110106 31 1875 SH OTHER 1875 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 168 2050 SH OTHER 2050 0 0
IMATION CORP COM COMMON STOCK 45245A107 20 810 SH OTHER 620 0 190
IMS HEALTH INC COM COMMON STOCK 449934108 585 18730 SH OTHER 18730 0 0
INFORMIX CORP COMMON STOCK 456779107 4 500 SH OTHER 500 0 0
INTEL CORP COM COMMON STOCK 458140100 2739 46026 SH OTHER 43970 0 2056
INTERNATIONAL BUSINESS MACHS C COMMON STOCK 459200101 24033 185939 SH OTHER 176981 0 8958
INTERNATIONAL PAPER CO COMMON STOCK 460146103 11 212 SH OTHER 212 0 0
INTUIT COM COMMON STOCK 461202103 18 200 SH OTHER 200 0 0
ITT INDS INC COM COMMON STOCK 450911102 50 1308 SH OTHER 654 0 654
JOHNSON & JOHNSON COMMON STOCK 478160104 5440 55515 SH OTHER 52565 0 2950
JOHNSON CTLS INC 1 COM & 1 COMMON STOCK 478366107 55 800 SH OTHER 800 0 0
K MART CORP 1 COM & 1 TAKEOVER COMMON STOCK 482584109 35 2150 SH OTHER 2150 0 0
KANSAS CITY PWR & LT CO COMMON STOCK 485134100 77 3000 SH OTHER 3000 0 0
KEMPER MULTI-MARKET INCOME TR COMMON STOCK 48842B106 91 10000 SH OTHER 10000 0 0
KERR MCGEE CORP 1 COM & 1 TAKE COMMON STOCK 492386107 204 4059 SH OTHER 4059 0 0
KEY ENERGY SERVICES INC COMMON STOCK 492914106 9 2500 SH OTHER 2500 0 0
KEYCORP NEW COM COMMON STOCK 493267108 190 5900 SH OTHER 5900 0 0
KIMBERLY CLARK CORP 1 COM & 1 COMMON STOCK 494368103 764 13400 SH OTHER 12900 0 500
KROGER CO COMMON STOCK 501044101 85 3050 SH OTHER 3050 0 0
LEGATO SYS INC COM COMMON STOCK 524651106 12 200 SH OTHER 200 0 0
LEHMAN BROTHERS HLDGS INC COM COMMON STOCK 524908100 25 400 SH OTHER 400 0 0
LG&E ENERGY CORP COMMON STOCK 501917108 12 556 SH OTHER 556 0 0
LIFEPOINT HOSPS INC COMMON STOCK 53219L109 0 23 SH OTHER 23 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109 25 666 SH OTHER 666 0 0
LONE STAR INDS INC COM COMMON STOCK 542290408 29 778 SH OTHER 778 0 0
LUCENT TECHNOLOGIES INC COM COMMON STOCK 549463107 7684 113949 SH OTHER 106417 1664 5868
MALLINCKRODT INC NEW COM COMMON STOCK 561232109 393 10800 SH OTHER 10800 0 0
MANAGED HIGH INCOME PORTFOLIO COMMON STOCK 56166C105 33 3228 SH OTHER 3228 0 0
MAY DEPT STORES CO 1 COM & 1 COMMON STOCK 577778103 383 9375 SH OTHER 5475 0 3900
MBNA CORP COMMON STOCK 55262L100 77 2530 SH OTHER 2530 0 0
MCDONALDS CORP 1 COM & 1 TAKEO COMMON STOCK 580135101 1584 38519 SH OTHER 38519 0 0
MCGRAW-HILL COMPANIES INC COMMON STOCK 580645109 746 13830 SH OTHER 13480 0 350
MCI WORLDCOM INC COM COMMON STOCK 55268B106 159 1845 SH OTHER 1845 0 0
MCKESSON HBOC INC COMMON STOCK 58155Q103 87 2701 SH OTHER 2183 0 518
MDU RES GROUP INC 1 COM & 1 COMMON STOCK 552690109 103 4500 SH OTHER 4500 0 0
MEDIAONE GROUP INC COM COMMON STOCK 58440J104 123 1652 SH OTHER 1272 380 0
MEDPARTNERS INC COMMON STOCK 58503X107 1 93 SH OTHER 93 0 0
MEDTRONIC INC 1 COM & 1 TAKEOV COMMON STOCK 585055106 263 3380 SH OTHER 3210 0 170
MELLON BK CORP 1 COM & 1 TAKEO COMMON STOCK 585509102 86 2360 SH OTHER 2360 0 0
MERCK & CO INC COMMON STOCK 589331107 3381 45918 SH OTHER 45368 0 550
MERITOR AUTOMOTIVE INC COM COMMON STOCK 59000G100 9 334 SH OTHER 334 0 0
MERRILL LYNCH & CO INC 1 COM & COMMON STOCK 590188108 310 3902 SH OTHER 3202 0 700
MFS CHARTER INCOME TR SH BEN I COMMON STOCK 552727109 9 1000 SH OTHER 1000 0 0
MFS GOVT MKTS INCOME TR SH BEN COMMON STOCK 552939100 117 18660 SH OTHER 9330 9330 0
MFS MULTIMARKET INCOME TR SH B COMMON STOCK 552737108 6 1000 SH OTHER 1000 0 0
MFS SPL VALUE TR SH BEN INT COMMON STOCK 55274E102 17 1000 SH OTHER 1000 0 0
MGIC INVT CORP WI COMMON STOCK 552848103 49 1000 SH OTHER 1000 0 0
MICROSOFT CORP COMMON STOCK 594918104 2029 22503 SH OTHER 21953 0 550
MIDAS GROUP INC COM COMMON STOCK 595626102 19 687 SH OTHER 687 0 0
MINNESOTA MNG & MFG CO COMMON STOCK 604059105 2348 27008 SH OTHER 24708 0 2300
MINNESOTA PWR INC COMMON STOCK 604110106 6 300 SH OTHER 300 0 0
MOBIL CORP COM COMMON STOCK 607059102 5029 50923 SH OTHER 47123 0 3800
MONSANTO CO 1 COM & 1 TAKEOVER COMMON STOCK 611662107 599 15150 SH OTHER 14950 0 200
MONY GROUP INC COMMON STOCK 615337102 29 894 SH OTHER 894 0 0
MORGAN J P & CO INC COMMON STOCK 616880100 2697 19193 SH OTHER 19093 0 100
MORGAN STANLEY DEAN WITTER & C COMMON STOCK 617446448 20 192 SH OTHER 192 0 0
MOTOROLA INC 1 COM & 1 TAKEOVE COMMON STOCK 620076109 1438 15175 SH OTHER 13375 0 1800
NABISCO GROUP HLDG CORP COMMON STOCK 62952P102 1 36 SH OTHER 36 0 0
NCR CORPORATION COM COMMON STOCK 62886E108 0 6 SH OTHER 6 0 0
NEOMAGIC CORP COM COMMON STOCK 640497103 1 100 SH OTHER 100 0 0
NEW CENTY ENERGIES INC COM COMMON STOCK 64352U103 227 5846 SH OTHER 5846 0 0
NEWELL RUBBERMAID INC COMMON STOCK 651229106 638 13750 SH OTHER 13750 0 0
NIELSEN MEDIA RESEARCH COMMON STOCK 653929307 2 66 SH OTHER 66 0 0
NL INDS INC COM NEW COMMON STOCK 629156407 66 5940 SH OTHER 5940 0 0
NORFOLK SOUTHN CORP COMMON STOCK 655844108 124 4125 SH OTHER 3825 0 300
NORTHERN STS PWR CO MN COMMON STOCK 665772109 19 800 SH OTHER 800 0 0
NOVELL INC 1 COM & 1 TAKEOVER COMMON STOCK 670006105 21 800 SH OTHER 800 0 0
NUVEEN INSD MUN OPPORTUNITY FD COMMON STOCK 670984103 15 1000 SH OTHER 0 1000 0
NUVEEN INSD QUALITY MUN FD INC COMMON STOCK 67062N103 45 3000 SH OTHER 3000 0 0
NUVEEN MUN ADVANTAGE FD INC COMMON STOCK 67062H106 121 7800 SH OTHER 7800 0 0
NUVEEN MUN INCOME FD INC COMMON STOCK 67062J102 81 6882 SH OTHER 6882 0 0
NUVEEN MUN MKT OPPORTUNITY FD COMMON STOCK 67062W103 76 4875 SH OTHER 4875 0 0
NUVEEN MUN VALUE FD INC COMMON STOCK 670928100 164 17865 SH OTHER 16365 1500 0
NUVEEN PERFORMANCE PLUS MUN FD COMMON STOCK 67062P108 57 3800 SH OTHER 3800 0 0
NUVEEN PREM INCOME MUN FD 4 IN COMMON STOCK 6706K4105 15 1073 SH OTHER 1073 0 0
NUVEEN QUALITY INCOME MUN FD I COMMON STOCK 670977107 8 500 SH OTHER 500 0 0
NUVEEN SELECT TAX FREE INCOME COMMON STOCK 67063C106 53 3471 SH OTHER 3471 0 0
NUVEEN SELECT TAX-FREE INCOME COMMON STOCK 67062F100 52 3393 SH OTHER 3393 0 0
NUVEEN TX QUALITY INCOME MUN F COMMON STOCK 670983105 184 12029 SH OTHER 12029 0 0
OCTEL CORP - W/I COM COMMON STOCK 675727101 7 525 SH OTHER 525 0 0
OFFICEMAX INC COM COMMON STOCK 67622M108 6 500 SH OTHER 500 0 0
OGE ENERGY CORP COM COMMON STOCK 670837103 85 3584 SH OTHER 3584 0 0
PACIFICORP COMMON STOCK 695114108 92 5025 SH OTHER 5025 0 0
PANHANDLE RTY CO COMMON STOCK 698477106 16 1800 SH OTHER 1800 0 0
PATTERSON ENERGY INC COMMON STOCK 703414102 119 12000 SH OTHER 12000 0 0
PENNEY J C INC 1 COM & 1 TAKEO COMMON STOCK 708160106 228 4700 SH OTHER 4700 0 0
PENNZENERGY CO COMMON STOCK 70931Q109 3 200 SH OTHER 200 0 0
PENNZOIL-QUAKER ST CO COMMON STOCK 709323109 3 200 SH OTHER 200 0 0
PEPSICO INC COMMON STOCK 713448108 1839 47545 SH OTHER 45545 100 1900
PFIZER INC 1 COM & 1 TAKEOVER COMMON STOCK 717081103 1222 11215 SH OTHER 10900 0 315
PG&E CORP COM COMMON STOCK 69331C108 115 3530 SH OTHER 3530 0 0
PHARMACIA & UPJOHN INC COM COMMON STOCK 716941109 475 8366 SH OTHER 8366 0 0
PHELPS DODGE CORP 1 COM & 1 COMMON STOCK 717265102 248 4000 SH OTHER 4000 0 0
PHILIP MORRIS COS COM COMMON STOCK 718154107 760 18910 SH OTHER 18533 0 377
PHILLIPS PETE CO 1 COM & 1 COMMON STOCK 718507106 1619 32188 SH OTHER 32188 0 0
PITNEY BOWES INC 1 COM & 1 COMMON STOCK 724479100 578 9000 SH OTHER 8725 0 275
POST PPTYS INC COM COMMON STOCK 737464107 5 123 SH OTHER 123 0 0
POTOMAC ELEC PWR CO COMMON STOCK 737679100 12 400 SH OTHER 400 0 0
PPG INDS INC 1 COM & 1 TAKEOVE COMMON STOCK 693506107 31 520 SH OTHER 520 0 0
PRAXAIR INC COM COMMON STOCK 74005P104 1525 31155 SH OTHER 31155 0 0
PRECEPT BUSINESS SVCS INC COMMON STOCK 740165204 1 171 SH OTHER 171 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 7661 85839 SH OTHER 82579 0 3260
PUBLIC SVC ENTERPRISE GROUP IN COMMON STOCK 744573106 87 2125 SH OTHER 2125 0 0
PUGET SOUND ENERGY INC COMMON STOCK 745332106 12 500 SH OTHER 500 0 0
PUTNAM MASTER INTER INCOME TR COMMON STOCK 746909100 102 14070 SH OTHER 7035 7035 0
PUTNAM PREMIER INCOME TR SH BE COMMON STOCK 746853100 93 12000 SH OTHER 12000 0 0
QUAKER OATS CO 1 COM & 1 TAKEO COMMON STOCK 747402105 554 8345 SH OTHER 8020 0 325
R H DONNELLEY CORP COMMON STOCK 74955W307 9 455 SH OTHER 455 0 0
R J REYNOLDS TOBACCO HOLD-W/I COMMON STOCK 76182K105 0 12 SH OTHER 12 0 0
RAYTHEON CO CL A COMMON STOCK 755111309 299 4348 SH OTHER 4222 0 126
RAYTHEON CO CL B COMMON STOCK 755111408 540 7664 SH OTHER 7664 0 0
RELIANT ENERGY INC COMMON STOCK 75952J108 1462 52929 SH OTHER 50929 0 2000
RESPONSE ONCOLOGY INC FORMERLY COMMON STOCK 761232305 0 165 SH OTHER 165 0 0
REYNOLDS METALS CO 1 COM & 1 COMMON STOCK 761763101 21 364 SH OTHER 364 0 0
ROCKWELL INTERNATIONAL CORP NE COMMON STOCK 773903109 61 1000 SH OTHER 1000 0 0
ROHM & HAAS CO COMMON STOCK 775371107 483 11270 SH OTHER 10781 0 489
SABINE RTY TR UNIT BEN INT COMMON STOCK 785688102 586 40797 SH OTHER 40797 0 0
SALOMON BROS FD INC COMMON STOCK 795477108 0 25 SH OTHER 25 0 0
SANTA FE SNYDER CORP COMMON STOCK 80218K105 4 441 SH OTHER 441 0 0
SARA LEE CORP 1 COM & 1 TAKEOV COMMON STOCK 803111103 704 31030 SH OTHER 31030 0 0
SBC COMMUNICATIONS INC COM COMMON STOCK 78387G103 9573 165047 SH OTHER 154601 2946 7500
SCANSOFT INC COMMON STOCK 80603P107 1 419 SH OTHER 419 0 0
SCHERING PLOUGH CORP 1 COM & 1 COMMON STOCK 806605101 6732 128220 SH OTHER 113570 0 14650
SEALED AIR CORP COM COMMON STOCK 81211K100 93 1431 SH OTHER 1431 0 0
SEARS ROEBUCK & CO COMMON STOCK 812387108 272 6108 SH OTHER 5658 0 450
SEMPRA ENERGY COM COMMON STOCK 816851109 2 100 SH OTHER 100 0 0
SERVICE CORP INTL 1 COM & 1 COMMON STOCK 817565104 12 600 SH OTHER 600 0 0
SHERWIN WILLIAMS CO 1 COM & 1 COMMON STOCK 824348106 661 23834 SH OTHER 23834 0 0
SOLUTIA INC COM COMMON STOCK 834376105 54 2540 SH OTHER 2540 0 0
SONAT INC 1 COM & 1 TAKEOVER R COMMON STOCK 835415100 27 800 SH OTHER 800 0 0
SONOCO PRODS CO COMMON STOCK 835495102 13 440 SH OTHER 440 0 0
SOUTHERN CO COMMON STOCK 842587107 1019 38465 SH OTHER 29465 0 9000
SOUTHWEST AIRLS CO 1 COM & 1 COMMON STOCK 844741108 70 2250 SH OTHER 2250 0 0
SPRINT CORP (PCS GROUP) COMMON STOCK 852061506 26 462 SH OTHER 462 0 0
SPRINT CORP COM COMMON STOCK 852061100 98 1848 SH OTHER 1848 0 0
ST PAUL COS INC 1 COM & 1 TAKE COMMON STOCK 792860108 80 2500 SH OTHER 2500 0 0
STARWOOD HOTELS & RESORTS COMMON STOCK 85590A203 58 1902 SH OTHER 1394 0 508
STATE STREET CORP COM COMMON STOCK 857477103 1834 21485 SH OTHER 20785 0 700
STERLING COMM INC COM COMMON STOCK 859205106 29 796 SH OTHER 796 0 0
STERLING SOFTWARE INC COMMON STOCK 859547101 26 1000 SH OTHER 1000 0 0
STEWART INFORMATION SVCS CORP COMMON STOCK 860372101 76 3600 SH OTHER 3600 0 0
SUN MICROSYSTEMS INC COM COMMON STOCK 866810104 265 3850 SH OTHER 3850 0 0
SUNOCO INC COMMON STOCK 86764P109 309 10220 SH OTHER 10220 0 0
SUPERVALU INC COM COMMON STOCK 868536103 72 2800 SH OTHER 2800 0 0
SYNTROLEUM CORP COMMON STOCK 871630109 2 198 SH OTHER 198 0 0
TANDY CORP 1 COM & 1 TAKEOVER COMMON STOCK 875382103 39 800 SH OTHER 800 0 0
TASEKO MINES LTD COMMON STOCK 876511106 1 400 SH OTHER 400 0 0
TECO ENERGY INC 1 COM & 1 TAKE COMMON STOCK 872375100 64 2800 SH OTHER 2800 0 0
TENNECO INC NEW COM COMMON STOCK 88037E101 61 2550 SH OTHER 1750 0 800
TEXACO INC 1 COM & 1 TAKEOVER COMMON STOCK 881694103 3043 48783 SH OTHER 42531 0 6252
TEXAS INSTRS INC 1 COM & 1 COMMON STOCK 882508104 10185 70728 SH OTHER 63928 0 6800
TEXAS UTILITIES CO. COMMON STOCK 882848104 2001 48291 SH OTHER 43291 0 5000
THERMO ELECTRON CORP 1 COMMON COMMON STOCK 883556102 17 825 SH OTHER 825 0 0
TIDEL TECHNOLOGIES INC COMMON STOCK 886368109 21 10000 SH OTHER 10000 0 0
TIME WARNER INC COMMON STOCK 887315109 465 6400 SH OTHER 6400 0 0
TRANSAMERICA CORP 1 COM & 1 COMMON STOCK 893485102 1097 14624 SH OTHER 14324 0 300
TREMONT CORP DEL COM PAR $1.00 COMMON STOCK 894745207 12 540 SH OTHER 540 0 0
TRIAD HOSPITALS INC COMMON STOCK 89579K109 0 23 SH OTHER 23 0 0
TRICON GLOBAL RESTAURANTS, INC COMMON STOCK 895953107 529 9774 SH OTHER 9764 10 0
TYCO INTL LTD NEW COM COMMON STOCK 902124106 156 1645 SH OTHER 1645 0 0
U S HOME CORP NEW COM COMMON STOCK 911920106 14 407 SH OTHER 168 0 239
ULTRAMAR DIAMOND SHAMROCK CORP COMMON STOCK 904000106 34 1540 SH OTHER 1540 0 0
UMB FINL CORP COM COMMON STOCK 902788108 827 19282 SH OTHER 19282 0 0
UNION CARBIDE CORP 1 COM & 1 COMMON STOCK 905581104 1056 21668 SH OTHER 21668 0 0
UNION PAC CORP COMMON STOCK 907818108 782 13410 SH OTHER 13410 0 0
UNION PAC RES GROUP INC COM COMMON STOCK 907834105 177 10840 SH OTHER 10840 0 0
UNISYS CORP COMMON STOCK 909214108 12 300 SH OTHER 300 0 0
UNITED HEALTHCARE CORP COMMON STOCK 910581107 251 4000 SH OTHER 4000 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 3683 51158 SH OTHER 50768 0 390
UNOCAL CORP 1 COM & 1 TAKEOVER COMMON STOCK 915289102 190 4800 SH OTHER 4800 0 0
US BANCORP DEL COM COMMON STOCK 902973106 736 22050 SH OTHER 22050 0 0
US WEST INC COM COMMON STOCK 91273H101 200 3409 SH OTHER 3214 195 0
VAN KAMPEN INCOME TR SH COMMON STOCK 920957107 96 14000 SH OTHER 14000 0 0
VAN KAMPEN TRUST INVESTMENT GR COMMON STOCK 920929106 255 16400 SH OTHER 16400 0 0
VENATOR GROUP INC COM COMMON STOCK 922944103 213 20400 SH OTHER 20400 0 0
VLASIC FOODS INTL INC COM COMMON STOCK 928559103 3 360 SH OTHER 360 0 0
W. R. GRACE & CO COM COMMON STOCK 38388F108 51 2670 SH OTHER 2670 0 0
WAL MART STORES INC COMMON STOCK 931142103 3229 66915 SH OTHER 56765 202 9948
WALGREEN CO 1 COM & 1 TAKEOVER COMMON STOCK 931422109 1778 60532 SH OTHER 56932 0 3600
WARNER LAMBERT CO 1 COM & 1 COMMON STOCK 934488107 1192 17246 SH OTHER 16046 0 1200
WASHINGTON REAL ESTATE INVT TR COMMON STOCK 939653101 46 2703 SH OTHER 2703 0 0
WASTE MANAGEMENT NZ LTD - NEW COMMON STOCK 94106L109 734 13656 SH OTHER 13656 0 0
WELLS FARGO CO COMMON STOCK 949746101 2421 56629 SH OTHER 56629 0 0
WESTERN RES INC COM COMMON STOCK 959425109 63 2383 SH OTHER 2383 0 0
WEYERHAEUSER CO 1 COM & 1 TAKE COMMON STOCK 962166104 28 400 SH OTHER 400 0 0
WHIRLPOOL CORP 1 COM & 1 TAKEO COMMON STOCK 963320106 52 700 SH OTHER 700 0 0
WHITMAN CORP COMMON STOCK 96647R107 74 4125 SH OTHER 4125 0 0
WISCONSIN ENERGY CORP COM COMMON STOCK 976657106 13 528 SH OTHER 528 0 0
WITCO CORP COMMON STOCK 977385103 26 1300 SH OTHER 1300 0 0
WPS RES CORP COM COMMON STOCK 92931B106 12 400 SH OTHER 400 0 0
WRIGLEY WM JR CO COMMON STOCK 982526105 115 1286 SH OTHER 1286 0 0
XEROX CORP 1 COM & 1 TAKEOVER COMMON STOCK 984121103 3978 67354 SH OTHER 47490 0 19864
YORK INTL CORP COMMON STOCK 986670107 4 100 SH OTHER 100 0 0
LONE STAR INDUSTRIES-WTS 12 COMMON STOCK 542290119 113 1985 SH OTHER N.A. N.A. N.A.
ASTRAZENECA PLC COMMON STOCK 046353108 1 25 SH OTHER 25 0 0
BARCLAYS BK PLC SER E 8.000 COMMON STOCK 06738C836 8 300 SH OTHER 300 0 0
BP AMOCO P L C COMMON STOCK 055622104 6366 58677 SH OTHER 58677 0 0
BRITISH STL PLC ADR FINAL COMMON STOCK 111015301 10 375 SH OTHER 375 0 0
DAIMLERCHRYSLER AG COMMON STOCK D1668R123 11 124 SH OTHER 124 0 0
EDPERBRASCAN CORP COM COMMON STOCK 280905803 0 25 SH OTHER 25 0 0
FRESENIUS MED CARE COMMON STOCK 358029106 56 2800 SH OTHER 2800 0 0
GALLAHER GROUP PLC SPONSORED A COMMON STOCK 363595109 312 12764 SH OTHER 12764 0 0
GLAXO WELLCOME PLC SPONSORED A COMMON STOCK 37733W105 36 633 SH OTHER 633 0 0
IMPERIAL TOBACCO GROUP PLC SPO COMMON STOCK 453142101 1 25 SH OTHER 25 0 0
INCO LTD COM COMMON STOCK 453258402 54 3000 SH OTHER 3000 0 0
NOKIA CORP SPONSORED ADR COMMON STOCK 654902204 179 1950 SH OTHER 1750 0 200
PLACER DOME INC COM COMMON STOCK 725906101 4 300 SH OTHER 300 0 0
ROYAL BK CDA MONTREAL QUEBEC COMMON STOCK 780087102 7 150 SH OTHER 150 0 0
ROYAL DUTCH PETE CO NY REGISTR COMMON STOCK 780257804 862 14311 SH OTHER 14311 0 0
SCHLUMBERGER LTD ADR COMMON STOCK 806857108 4355 68375 SH OTHER 66875 100 1400
SHELL TRANS & TRADING PLC NEW COMMON STOCK 822703609 2 50 SH OTHER 50 0 0
SMITHKLINE BEECHAM PLC ADR ORD COMMON STOCK 832378301 215 3256 SH OTHER 3256 0 0
TRANS-GLOBAL RES N L COMMON STOCK 892909508 0 13 SH OTHER 13 0 0
UNILEVER PLC COMMON STOCK 904767704 2 44 SH OTHER 44 0 0
VODAFONE GROUP PLC ADR COMMON STOCK 92857T107 403 2045 SH OTHER 2045 0 0
WESTCOAST ENERGY INC COM COMMON STOCK 95751D102 60 3050 SH OTHER 1350 0 1700
MORGAN STANLEY FIN PLC PREFERRED STOCK 616906707 5 200 SH OTHER N.A. N.A. N.A.
ATLANTIC RICHFIELD CO PFD CONV PREFERRED STOCK 048825400 143 573 SH OTHER N.A. N.A. N.A.
SEALED AIR CORP CVT UNTIL 12/3 PREFERRED STOCK 81211K209 79 1268 SH OTHER N.A. N.A. N.A.
UNISYS CORP PFD SER A CONV $3. PREFERRED STOCK 909214207 65 992 SH OTHER N.A. N.A. N.A.
NUVEEN PREMIUM INC MUN FD OTHER 67062T100 15 1021 SH OTHER 1021 0 0
EQUITY INCOME FD UNIT 1ST EXCH OTHER 294700703 193 930 SH OTHER 930 0 0
LA GLORIA ROYALTY LTD PARTNERS OTHER 999999998 387 1 SH OTHER 1 0 0
</TABLE>
<TABLE>
<CAPTION>
====================================================================================================================================
Investment Direction
Voting Authority
Name Of Issuer Type Cusip Market Value Shares/PV Sole Shared Other Sole Shared Other
====================================================================================================================================
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
AT&T CORPORATION Com 001957109 1,979,893 35,474 30,311 4,950 213 17,094 0 18,380
ABBOTT LABORATORIES Com 002824100 2,196,150 48,400 42,500 5,900 0 30,300 0 18,100
ALCOA INC COMMON STOCK Com 013817101 482,625 7,800 6,000 1,800 0 5,600 0 2,200
AMERICAN INTERNATIONAL GR Com 026874107 1,154,444 9,846 9,846 0 0 4,875 0 4,971
AMERITECH CORP Com 030954101 956,970 13,020 12,220 800 0 9,600 0 3,420
AUTOMATIC DATA PROCESSING Com 053015103 1,856,800 42,200 39,400 2,800 0 29,200 0 13,000
ADR BP AMOCO PLC SPONSORE Com 055622104 215,264 1,984 529 1,455 0 1,984 0 0
BANK ONE CORP COM Com 06423A103 2,117,149 35,545 30,480 4,845 220 19,964 0 15,581
BELL ATLANTIC CORP Com 077853109 222,667 3,406 3,406 0 0 400 0 3,006
BELLSOUTH CORP Com 079860102 269,001 5,832 5,352 0 480 1,640 0 4,192
BRISTOL MYERS SQUIBB COMP Com 110122108 936,819 13,300 12,100 1,200 0 9,700 0 3,600
CATERPILLAR INC Com 149123101 687,000 11,450 8,700 2,750 0 1,750 0 9,700
CHEVRON CORP Com 166751107 240,888 2,534 2,534 0 0 2,134 0 400
CISCO SYS INC COM Com 17275R102 744,253 11,550 9,900 1,500 150 3,050 0 8,500
DISNEY WALT COMPANY Com 254687106 2,025,491 65,736 60,136 5,600 0 34,525 0 31,211
DU PONT E I NEMOURS & CO Com 263534109 2,108,807 30,870 27,370 3,400 100 15,620 0 15,250
EMERSON ELECTRIC COMPANY Com 291011104 1,969,944 31,300 28,300 3,000 0 16,600 0 14,700
ENRON CORP Com 293561106 1,995,518 24,410 22,610 1,700 100 11,960 0 12,450
EXXON CORPORATION Com 302290101 1,520,905 19,720 19,020 500 200 12,048 0 7,672
FEDERAL HOME LOAN MORTGAG Com 313400301 1,284,700 22,150 18,850 3,000 300 10,100 0 12,050
FINOVA GROUP INC COM Com 317928109 794,638 15,100 13,200 1,900 0 11,100 0 4,000
GENERAL ELECTRIC CO Com 369604103 4,759,786 42,122 37,922 4,200 0 23,072 0 19,050
GENERAL MILLS INC Com 370334104 249,163 3,100 2,100 1,000 0 300 0 2,800
GILLETTE COMPANY Com 375766102 2,209,900 53,900 48,100 5,300 500 27,700 0 26,200
HARTFORD LIFE INC CL A CO Com 416592103 336,800 6,400 5,400 1,000 0 5,000 0 1,400
HEWLETT PACKARD CO Com 428236103 3,765,735 37,470 33,170 4,100 200 18,670 0 18,800
HOME DEPOT Com 437076102 2,780,478 43,150 38,900 4,250 0 15,350 0 27,800
HONEYWELL INC Com 438506107 518,541 4,475 4,475 0 0 4,475 0 0
IDS BOND A Com 449427103 81,077 16,513 0 16,513 0 16,513 0 0
INTEL CORPORATION Com 458140100 2,897,650 48,700 45,700 3,000 0 21,300 0 27,400
INTERNATIONAL BUSINESS MA Com 459200101 2,003,375 15,500 11,900 3,600 0 11,400 0 4,100
JANUS TWENTY Com 471027102 1,210,797 19,283 19,283 0 0 19,283 0 0
JOHNSON & JOHNSON Com 478160104 3,993,206 40,747 36,647 3,800 300 23,440 0 17,307
KOHLS CORP COM Com 500255104 345,938 4,500 3,500 1,000 0 2,200 0 2,300
LILLY (ELI) & CO Com 532457108 931,125 13,000 13,000 0 0 5,100 0 7,900
LUCENT TECHNOLOGIES Com 549463107 1,959,734 29,060 24,016 4,808 236 12,412 0 16,648
MAJOR EXPLORATION INC Com 560900102 0 280,000 280,000 0 0 280,000 0 0
MCDONALDS CORP Com 580135101 2,471,613 60,100 54,300 5,600 200 32,400 0 27,700
MEDTRONIC INC Com 585055106 2,702,263 34,700 32,300 2,400 0 13,300 0 21,400
MERCK & CO INC Com 589331107 1,432,006 19,450 16,850 2,200 400 5,300 0 14,150
MICROSOFT CORP Com 594918104 1,208,513 13,400 13,400 0 0 7,600 0 5,800
MOBIL CORP Com 607059102 1,234,375 12,500 10,100 2,400 0 7,200 0 5,300
MORTON INTL INC IND COM S Com 619335102 483,075 11,400 10,500 900 0 10,800 0 600
MOTOROLA INC Com 620076109 2,220,940 23,440 21,690 1,650 100 11,390 0 12,050
NASDAQ 100 TR UNIT SER 1 Com 631100104 299,650 2,600 2,600 0 0 2,600 0 0
NORTHERN INSTL DIVERSIFIE Com 665278479 389,182 20,217 20,217 0 0 17,553 0 2,664
NORTHERN INSTL SHORT-INTE Com 665278735 194,647 10,138 10,138 0 0 10,138 0 0
PEPSICO INC Com 713448108 1,580,384 40,850 36,450 4,100 300 15,500 0 25,350
PFIZER INC Com 717081103 2,275,375 20,875 18,075 2,700 100 10,100 0 10,775
PROCTER & GAMBLE CO Com 742718109 1,759,921 19,719 17,219 2,300 200 15,200 0 4,519
ROYAL DUTCH PETRO N.Y. RE Com 780257804 289,200 4,800 800 4,000 0 4,800 0 0
SOUTHWESTERN BELL CORP Com 78387G103 791,700 13,650 13,250 400 0 7,944 0 5,706
SARA LEE CORPORATION Com 803111103 1,227,848 54,120 48,920 5,200 0 24,720 0 29,400
SCHLUMBERGER LTD Com 806857108 306,082 4,806 4,806 0 0 4,806 0 0
TIME WARNER INC Com 887315109 217,875 3,000 3,000 0 0 3,000 0 0
TOOTSIE ROLL IND INC Com 890516107 523,601 13,556 13,556 0 0 13,556 0 0
AMERICAN CENTURY ULTRA IN Com 901289306 690,118 18,369 18,369 0 0 18,369 0 0
UNITED AMERICAN ENERGY IN Com 909340101 0 186,666 186,666 0 0 186,666 0 0
VAN KAMPEN PRIME RATE FUN Com 920914108 99,198 10,030 0 0 10,030 10,030 0 0
VANGUARD INDEX 500 PORTFO Com 922908108 1,594,252 12,570 11,587 0 983 439 0 12,131
VANGUARD INDEX TOTAL STOC Com 922908306 2,000,768 65,923 0 65,923 0 65,923 0 0
WAL MART STORES INC Com 931142103 1,255,079 26,012 25,812 0 200 10,402 0 15,610
WALGREEN CO Com 931422109 287,875 9,800 6,000 3,200 600 8,100 0 1,700
VANGUARD GROUP - WINDSOR Com 973585201 2,446,951 74,511 66,705 0 7,806 74,511 0 0
TIPTON MOTORS INC Com SU9600100 1 10,496 10,496 0 0 10,496 0 0
------------
83,785,716
* * * End Of Asset Report * * *
65 Assets Reported Of 4472 Assets On File
</TABLE>
<TABLE>
<CAPTION>
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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
DAIMLERCHRYSLER AG ORD D1668R123 221 2494 SH SOLE 2494 0 0
BSCH FINANCE LTD PREF SER A G16547104 12 500 SH SOLE 500 0 0
BSCH FINANCE LTD PREF D 8.74% G16547138 52 2000 SH SOLE 2000 0 0
HILFIGER TOMMY CORP ORD G8915Z102 2070 28261 SH SOLE 27927 334 0
TRANSOCEAN OFFSHORE INC CAYM ORD G90076103 267 10183 SH SOLE 10183 0 0
ROYAL CARIBBEAN CRUISE COM V7780T103 1638 37456 SH SOLE 37085 371 0
AEI REAL ESTATE FUND XVI CERTIFICATE #152 1000991 16 25 SH SOLE 25 0 0
AIM AGGRESSIVE GROWTH FUND/REINV 00141370R 62 1224 SH SOLE 1224 0 0
AT&T CORP COM 1957109 1752 31393 SH SOLE 31303 90 0
AT&T CORP COM 1957109 6 120 SH DEFINED 0 0 120
ABBOTT LABS COM 2824100 269 5939 SH SOLE 5939 0 0
ACNIELSEN CORP COM 4833109 5 166 SH SOLE 166 0 0
ALEXANDER & BALDWIN INC COM 14482103 89 4000 SH SOLE 4000 0 0
ALLIEDSIGNAL INC COM 19512102 423 6715 SH SOLE 6715 0 0
ALLSTATE CORP COM 20002101 73 2047 SH SOLE 2047 0 0
ALLTEL CORP COM 20039103 5 74 SH SOLE 74 0 0
AMERCO COM 23586100 225 10000 SH SOLE 10000 0 0
AMERCO PFD SER A 23586209 52 2000 SH SOLE 2000 0 0
AMERICA ONLINE INC DEL COM 02364J104 4 40 SH SOLE 40 0 0
AMERICAN ELEC PWR INC COM 25537101 73 1947 SH SOLE 1947 0 0
AMERICAN EXPRESS COMPANY 25816109 1 15 SH SOLE 15 0 0
AMERICAN HOME PRODS CORP COM 26609107 484 8448 SH SOLE 8448 0 0
AMERICAN HOME PRODS CORP COM 26609107 45 800 SH DEFINED 800 0 0
AMERICAN INTERNATIONAL GROUP 26874107 232 1979 SH SOLE 1979 0 0
AMERICAN NATL INS CO COM 28591105 285 4000 SH SOLE 4000 0 0
AMERITECH CORP COMMON 30954101 255 3476 SH SOLE 3476 0 0
AMERITECH CORP COMMON 30954101 55 750 SH DEFINED 750 0 0
AMGEN INC COM 31162100 1189 19544 SH SOLE 19159 385 0
AMSOUTH BANCORPORATION COM 32165102 966 41695 SH SOLE 41221 474 0
ANTIQUE COINS 35000991 0 5 PRN SOLE 5 0 0
ANHEUSER BUSCH CO 35229103 1168 16475 SH SOLE 16288 187 0
APPLE COMPUTER INC COM 37833100 1599 34539 SH SOLE 34143 396 0
APPLIED MATLS INC COM 38222105 14 200 SH SOLE 200 0 0
ARCHER DANIELS MIDLAND CO COM 39483102 16 1070 SH SOLE 1070 0 0
ARCTIC CAT INC COM 39670104 8 1000 SH SOLE 1000 0 0
ATLANTIC RICHFIELD CO COM 48825103 334 4000 SH SOLE 4000 0 0
AUTOMATIC DATA PROCESSING COM 53015103 151 3450 SH SOLE 3450 0 0
AUTOMATIC DATA PROCESSING COM 53015103 52 1200 SH DEFINED 1200 0 0
BJ SVCS CO COM 55482103 29 1000 SH SOLE 0 1000 0
BP AMOCO P L C SPONSORED ADR 55622104 485 4471 SH SOLE 4471 0 0
BRE PROPERTIES INC CL A 5.56E+109 417 16048 SH SOLE 16048 0 0
BMC SOFTWARE INC COM 55921100 2786 51610 SH SOLE 51095 515 0
BAKER HUGHES INC COM 57224107 23 700 SH SOLE 0 700 0
BANK OF AMERICA CORP COM 60505104 21 300 SH DEFINED 300 0 0
BANK NEW YORK INC COM 64057102 1173 32000 SH SOLE 32000 0 0
BANK ONE CORP COM 06423A103 399 6710 SH SOLE 6710 0 0
BANK ONE CORP COM 06423A103 5 100 SH DEFINED 100 0 0
BARD C R INC COM 67383109 33 700 SH SOLE 0 700 0
BAXTER INTERNATIONAL COM 71813109 1 30 SH SOLE 30 0 0
BELL ATLANTIC CORPORATION 77853109 186 2859 SH SOLE 2259 600 0
BELLSOUTH CORPORATION 79860102 2150 46632 SH SOLE 46114 518 0
BESTFOODS COM 08658U101 75 1521 SH SOLE 1521 0 0
BLACK & DECKER CORP COM 91797100 155 2463 SH SOLE 2463 0 0
BLACKROCK INVT QUALITY MUN T COM 09247D105 0 10 SH DEFINED 0 10 0
BOEING CO COM 97023105 428 9733 SH SOLE 9333 400 0
BORG-WARNER AUTOMOTIVE COM 99724106 0 10 SH DEFINED 10 0 0
BOSTON SCIENTIFIC CORP COM 101137107 1590 36208 SH SOLE 35918 290 0
BOSTON SCIENTIFIC CORP COM 101137107 14 322 SH DEFINED 322 0 0
BRISTOL MYERS SQUIBB 110122108 577 8200 SH SOLE 8200 0 0
BURLINGTON RES INC COM 122014103 52 1203 SH SOLE 503 700 0
CIGNA CORP COM 125509109 1068 12000 SH SOLE 12000 0 0
CAMEO RING 126000991 0 1 PRN SOLE 1 0 0
CNF TRANSN INC COM 12612W104 48 1250 SH DEFINED 1250 0 0
CSX CORP 126408103 34 750 SH SOLE 750 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
CASCADE CORP COM 147195101 280 20000 SH SOLE 20000 0 0
CENDANT CORP COM 151313103 4 200 SH SOLE 200 0 0
CENTURYTEL INC COM 156700106 841 21169 SH SOLE 20894 275 0
CHASE MANHATTAN CORP NEW COM 16161A108 1199 13866 SH SOLE 13686 180 0
CHEVRON CORPORATION 166751107 494 5200 SH SOLE 4600 600 0
CHUBB CORP COM 171232101 709 10211 SH SOLE 10211 0 0
CINERGY CORP COM 172474108 12 400 SH SOLE 400 0 0
CISCO SYS INC COM 17275R102 268 4164 SH SOLE 4164 0 0
COCA COLA COMPANY 191216100 153 2480 SH SOLE 2480 0 0
COCA COLA ENTERPRISES INC COM 191219104 17 601 SH SOLE 601 0 0
COLUMBIA HCA/HEALTHCARE CORP 197677107 107 4700 SH SOLE 4700 0 0
COMMSCOPE INC COM 203372107 10 333 SH SOLE 0 333 0
COMPAQ COMPUTER CORP 204493100 287 12160 SH SOLE 11760 400 0
COMPAQ COMPUTER CORP 204493100 11 500 SH DEFINED 500 0 0
COMPUTER ASSOC INTL INC COM 204912109 658 12020 SH SOLE 12020 0 0
COMPUTER ASSOC INTL INC COM 204912109 5 100 SH DEFINED 100 0 0
CONSOLIDATED NAT GAS CO COM 209615103 60 1000 SH SOLE 1000 0 0
CREDIT/MEDICAL/MISCELLANEOUS CARDS 212000996 0 10 PRN SOLE 10 0 0
COOPER CAMERON CORP COM 216640102 15 420 SH SOLE 420 0 0
COOPER TIRE & RUBR CO COM 216831107 8 350 SH DEFINED 350 0 0
COTT CORPORATION 22163N106 5 1400 SH SOLE 1400 0 0
CROSS TIMBERS OIL CO COM 227573102 33 2250 SH SOLE 0 2250 0
CULTURED PEARL STRAND 234000990 0 1 PRN SOLE 1 0 0
DANAHER CORP DEL COM 235851102 8 140 SH SOLE 140 0 0
DARDEN RESTAURANTS INC COM 237194105 1543 70752 SH SOLE 70093 659 0
DAYTON HUDSON CORP COM 239753106 2476 38093 SH SOLE 37751 342 0
DELL COMPUTER CORP COM 247025109 165 4480 SH SOLE 4480 0 0
DELPHI AUTOMOTIVE SYS COM 247126105 108 5880 SH SOLE 5880 0 0
DELPHI AUTOMOTIVE SYS COM 247126105 2 139 SH DEFINED 139 0 0
DELUXE CORP COM 248019101 38 1000 SH SOLE 1000 0 0
DELUXE CORP COM 248019101 15 400 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
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DIME BANCORP INC NEW COM 25429Q102 1268 63043 SH SOLE 62268 775 0
DISNEY WALT COMPANY COM 254687106 483 15692 SH SOLE 15692 0 0
DOMINION RES INC VA COM 257470104 194 4500 SH SOLE 4500 0 0
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DU PONT E I DE NEMOURS & CO COM 263534109 732 10727 SH SOLE 10727 0 0
DUKE ENERGY CORP COM 264399106 19 355 SH SOLE 355 0 0
DOWNING CO INC 266002997 40 1000 SH SOLE 1000 0 0
E M C CORP MASS COM 268648102 2151 39122 SH SOLE 38636 486 0
EASTMAN KODAK CO COM 277461109 331 4894 SH SOLE 4894 0 0
EASTMAN KODAK CO COM 277461109 16 250 SH DEFINED 250 0 0
EL PASO GAS 283905107 84 2400 SH SOLE 600 1800 0
ELECTRONIC DATA SYSTEM COM 285661104 87 1550 SH SOLE 1550 0 0
EISENHOWER COIN 286000997 0 1 PRN SOLE 1 0 0
EMERSON ELEC CO COM 291011104 561 8916 SH SOLE 8916 0 0
EMERSON ELEC CO COM 291011104 37 600 SH DEFINED 600 0 0
ENRON CORP COM 293561106 52 645 SH SOLE 645 0 0
ENRON OIL & GAS CO COM 293562104 14 700 SH SOLE 700 0 0
ENTERGY CORP NEW COM 29364G103 20 642 SH SOLE 642 0 0
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EXXON CORP COM 302290101 2057 26675 SH SOLE 26471 204 0
EXXON CORP COM 302290101 192 2500 SH DEFINED 2500 0 0
FDX CORP COM 31304N107 879 16220 SH SOLE 15970 250 0
FEDERAL NATL MTG ASSN COM 313586109 1379 20212 SH SOLE 20005 207 0
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FIDELITY CONTRAFUND /REINVST 31607110R 9 159 SH SOLE 159 0 0
FIDELITY GROWTH COMPANY / REINVEST 31620010R 0 11 SH SOLE 11 0 0
FIDELITY LOW PRICE FUND/ REINVST 31634530R 321 13113 SH SOLE 13113 0 0
FIDELITY LOW PRICE STOCK FD #316 316345305 555 22623 SH SOLE 22623 0 0
FIDELITY BLUE CHIP FUND/ REINVST 31638930R 1031 18889 SH SOLE 18889 0 0
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FIRST NATL BK ANCHORAGE AK 322387101 309 300 SH SOLE 300 0 0
FORETHOUGHT FUNERAL PLANNING AGREEMENT 334000999 0 1 PRN SOLE 1 0 0
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FIRST TRUST INSD MUNI BD FD SER 203 M 33734C685 42 70 SOLE 70 0 0
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FIRST TRUST INSD MUNI BD FD SER 222 M 33734D287 146 150 SOLE 150 0 0
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FLEXSTEEL INDS INC COM 339382103 26 2000 SH DEFINED 2000 0 0
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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 599 7937 SH SOLE 7737 200 0
GALLAHER GROUP PLC SPONSORED ADR 363595109 3 150 SH SOLE 150 0 0
GANNETT INC COM 364730101 423 5928 SH SOLE 5928 0 0
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GEORGIA PAC CORP COM GA PAC GRP 373298108 0 1 SH SOLE 0 0 1
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1 PAIR GRAPE STYLE EARRINGS 387000995 0 1 PRN SOLE 1 0 0
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HEWLETT PACKARD CO COM 428236103 2234 22233 SH SOLE 22050 183 0
HEWLETT PACKARD CO COM 428236103 97 975 SH DEFINED 975 0 0
HOUSE KEYS - 5001 WESTRIDGE AVE. FORT WORTH 430004994 0 3 PRN SOLE 3 0 0
HILB ROGAL AND HAMILTON COMPANY 431294107 13 600 SH SOLE 600 0 0
HILB ROGAL AND HAMILTON COMPANY 431294107 33 1500 SH DEFINED 1500 0 0
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HOME DEPOT INC COM 437076102 12 200 SH DEFINED 200 0 0
HOMESTEAD VALUE FUND /REINVST 43776920R 0 1 SH SOLE 1 0 0
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HOUSEHOLD INTL INC COM 441815107 1 30 SH SOLE 30 0 0
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IMATION CORP COM 45245A107 9 380 SH SOLE 380 0 0
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INTEL CORP COM 458140100 745 12528 SH SOLE 12528 0 0
INTEL CORP COM 458140100 23 400 SH DEFINED 400 0 0
INTERNATIONAL BUS MACH COM 459200101 955 7390 SH SOLE 7390 0 0
INTERNATIONAL BUS MACH COM 459200101 129 1000 SH DEFINED 1000 0 0
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INTERNATIONAL PAPER CO COM 460146103 25 500 SH DEFINED 500 0 0
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IRANIAN COIN 465000990 0 1 PRN SOLE 1 0 0
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JOHNSON & JOHNSON COM 478160104 648 6620 SH SOLE 6620 0 0
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KIMBERLY CLARK CORP COM 494368103 3 69 SH SOLE 69 0 0
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LKCM SMLL CAP EQUITY 501885107 91 5314 SH SOLE 5314 0 0
LADIES RING W/SMOKEY QUARTZ STONE 517000998 0 1 PRN SOLE 1 0 0
LASERSCOPE COM 518081104 18 12000 SH SOLE 12000 0 0
LEXMARK INTL GROUP INC CL A 529771107 2792 42628 SH SOLE 42170 458 0
LIFEPOINT HOSPITALS INC COM 53219L109 3 246 SH SOLE 246 0 0
LILLY ELI & CO COM 532457108 319 4468 SH SOLE 4268 200 0
LINCOLN NATL CORP IND COM 534187109 40 770 SH SOLE 770 0 0
LOUISIANA PAC CORP COM 546347105 238 10000 SH SOLE 10000 0 0
LUCENT TECHNOLOGIES 549463107 4235 62814 SH SOLE 62316 498 0
LUCENT TECHNOLOGIES 549463107 107 1600 SH DEFINED 1500 0 100
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 BEZEL W/CHAI 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 AC YOAKUM 559002993 0 1 PRN SOLE 1 0 0
MAGELLAN HEALTH SVCS COM 559079108 10 1000 SH SOLE 0 1000 0
MISC FOREIGN CURRENCY - BOX 560000994 0 1 PRN SOLE 1 0 0
MANAGERS FUND: INTERNATIONAL EQUITY 56171740R 210 4061 SH SOLE 4061 0 0
MANAGERS FUND: INTERNATIONAL EQUITY 561717406 11 218 SH SOLE 218 0 0
MARSH & MCLENNON COS INC 571748102 17 225 SH SOLE 225 0 0
MARTIN MARIETTA MATLS INC COM 573284106 1123 19046 SH SOLE 18838 208 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 213 5232 SH SOLE 5232 0 0
MCDONALDS CORP. COMMON 580135101 493 12000 SH SOLE 12000 0 0
MCGRAW HILL COS INC COM 580645109 19 354 SH SOLE 354 0 0
MCKESSON HBOC INC COM 58155Q103 365 11344 SH SOLE 11344 0 0
MCKESSON HBOC INC COM 58155Q103 4 150 SH DEFINED 150 0 0
MCLEODUSA INC COM 582266102 2475 45000 SH SOLE 45000 0 0
MEDTRONIC INC COM 585055106 43 560 SH SOLE 560 0 0
MERCK & CO INC COM 589331107 1145 15562 SH SOLE 15562 0 0
MERCK & CO INC COM 589331107 14 200 SH DEFINED 200 0 0
MERRILL LYNCH & CO INC COM 590188108 1113 14003 SH SOLE 14003 0 0
MERRILL LYNCH PFD CAP TR V TOPRS 7.28% 59021K205 97 4000 SH SOLE 4000 0 0
MICROSOFT CORP COM 594918104 2311 25627 SH SOLE 25472 155 0
MINNESOTA MNG & MFG CO COM 604059105 526 6055 SH SOLE 6055 0 0
MOBIL CORP COM 607059102 103 1050 SH SOLE 1050 0 0
MOBIL CORP COM 607059102 19 200 SH DEFINED 200 0 0
MONARCH MACH TOOL CO COM 609150107 44 5000 SH SOLE 5000 0 0
MORGAN J P & CO INC COM 616880100 440 3138 SH SOLE 3138 0 0
MORGAN STAN DEAN WITTR COM NEW 617446448 978 9532 SH SOLE 9389 143 0
MOTOROLA INC COM 620076109 1118 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
MUNIYIELD FD INC COM 626299101 108 7500 SH SOLE 7500 0 0
MUNIYIELD INDS FD II INC COM 62630F104 233 16950 SH SOLE 16950 0 0
NABISCO GROUP HLDG CORP COM 62952P102 25 1300 SH SOLE 1300 0 0
NEW ENGLAND ELEC SYS COM 644001109 15 300 SH SOLE 300 0 0
NIELSEN MEDIA RESEARCH COM NEW 653929307 1 59 SH SOLE 59 0 0
NOKIA CORP SPONSORED ADR 654902204 155 1700 SH SOLE 1700 0 0
NORFOLK SOUTHERN CORP COM 655844108 97 3235 SH SOLE 3235 0 0
NORTHROP GRUMMAN CORP COM 666807102 530 8000 SH SOLE 8000 0 0
NORWEST ADVANTAGE FDS SH GOVT INCM I 668903107 1280 132532 SH SOLE 132532 0 0
NORWEST ADVANTAGE FDS SH GOVT INCM I 668903107 158 16443 SH DEFINED 0 15669 774
NORWEST ADVANTAGE FDS DIV SML CAP I 668903404 556 58579 SH SOLE 58579 0 0
NORWEST ADVANTAGE FDS DIV SML CAP I 668903404 28 2961 SH DEFINED 0 2961 0
NUVEEN SELECT TAX FREE INCM SH BEN INT 67063C106 59 3900 SH SOLE 3900 0 0
NUVEEN PREMIUM INCOME MUNI FUND 2 67063W102 241 15333 SH SOLE 15333 0 0
ODS NETWORKS INC COM 67082N109 19 5000 SH SOLE 5000 0 0
OEA INC COM 670826106 63 7110 SH SOLE 7110 0 0
OCCIDENTAL PETE CORP DEL COM 674599105 211 10000 SH SOLE 10000 0 0
OPAL RING 681001996 0 1 PRN SOLE 1 0 0
ORACLE CORP COM 68389X105 3 90 SH SOLE 90 0 0
PACCAR INC COM 693718108 2036 38164 SH SOLE 37687 477 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 16 5000 SH SOLE 5000 0 0
PENNEY J C INC 708160106 48 1000 SH SOLE 1000 0 0
PENNEY J C INC 708160106 24 500 SH DEFINED 500 0 0
PENNZENERGY CO COM 70931Q109 367 22100 SH SOLE 22100 0 0
PENNZOIL-QUAKER STATE COMPAN COM 709323109 331 22100 SH SOLE 22100 0 0
PEPSICO INC COM 713448108 263 6812 SH SOLE 6812 0 0
PEPSICO INC COM 713448108 11 300 SH DEFINED 300 0 0
PERVASIVE SOFTWARE INC COM 715710109 52 2100 SH SOLE 2100 0 0
PHARMACIA & UPJOHN INC COM 716941109 164 2900 SH SOLE 2900 0 0
PIPER PETROLEUM CO 717000996 3 25 SH SOLE 25 0 0
PFIZER INC COM 717081103 646 5934 SH SOLE 5934 0 0
PHILIP MORRIS COS COM 718154107 317 7900 SH SOLE 7900 0 0
PIONEER NAT RES CO COM 723787107 11 1000 SH SOLE 1000 0 0
PITNEY-BOWES INC COM 724479100 520 8103 SH SOLE 8103 0 0
POPULAR INC COM 733174106 1773 58528 SH SOLE 58528 0 0
POTAMAC ELECTRIC POWER CO 737679100 58 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 375 4211 SH SOLE 4211 0 0
PROCTER & GAMBLE CO COM 742718109 53 600 SH DEFINED 600 0 0
PROLOGIS TR SH BEN INT 743410102 7 360 SH SOLE 360 0 0
PUTNAM INCOME FUND/REINVEST 74679210R 238 36377 SH SOLE 36377 0 0
PUTNAM INVESTORS/REINV 74680910R 57 3538 SH SOLE 3538 0 0
QUAKER OATS CO COM 747402105 1375 20727 SH SOLE 20497 230 0
R H DONNELLEY CORP COM NEW 74955W307 3 180 SH SOLE 180 0 0
RPC INC COM 749660106 39 4500 SH SOLE 4500 0 0
RAYONIER INC COM 754907103 498 10000 SH SOLE 10000 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
ROHM & HAAS CO 775371107 5 124 SH SOLE 124 0 0
ROSS STORES INC COM 778296103 2326 46179 SH SOLE 45725 454 0
RUSSELL CORP COM 782352108 9 500 SH DEFINED 500 0 0
SBC COMMUNICATIONS INC 78387G103 591 10199 SH SOLE 10199 0 0
SPDR TR UNIT SER 1 78462F103 90 660 SH SOLE 660 0 0
SARA LEE CORP COM 803111103 210 9296 SH SOLE 9296 0 0
SCHERING PLOUGH CORP COM 806605101 2109 40175 SH SOLE 39785 390 0
SCHLUMBERGER LTD COM 806857108 1145 17992 SH SOLE 17284 708 0
SCHLUMBERGER LTD COM 806857108 25 400 SH DEFINED 400 0 0
SEARS ROEBUCK & CO 812387108 369 8298 SH SOLE 8298 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 28 875 SH SOLE 875 0 0
SENTINEL GROUP FDS INC COM STK FD SH 817270309 406 9017 SH DEFINED 0 9017 0
SERVICE CORP INTL COM 817565104 42 2183 SH SOLE 2183 0 0
SERVICEMASTER CO COM 81760N109 10 561 SH SOLE 123 438 0
14K GOLD STAR SAPPHIRE RING 818000994 0 1 PRN SOLE 1 0 0
SONAT INC COM 835415100 16 500 SH SOLE 500 0 0
SOUTHDOWN INC COM 841297104 1096 17061 SH SOLE 17061 0 0
SOUTHERN CO COM 842587107 10 400 SH SOLE 400 0 0
SOUTHTRUST CORP COM 844730101 17 450 SH SOLE 450 0 0
SUNBEAM CORP COM 867071102 0 50 SH SOLE 50 0 0
SYSCO CORP 871829107 14 500 SH SOLE 500 0 0
TJX COS INC NEW COM 872540109 2189 65723 SH SOLE 64948 775 0
T R W INC COM 872649108 219 4000 SH SOLE 4000 0 0
TANDY CORP 875382103 2932 60000 SH SOLE 60000 0 0
TENET HEALTHCARE CORP COM 88033G100 18 1000 SH SOLE 0 1000 0
TENNECO INC NEW COM 8.80E+105 176 7385 SH SOLE 7385 0 0
TENNECO INC NEW COM 8.80E+105 5 250 SH DEFINED 250 0 0
TEXACO INC COM 881694103 255 4100 SH SOLE 4100 0 0
TEXACO INC COM 881694103 24 400 SH DEFINED 400 0 0
TEXAS AMER RES INC 882160302 0 455 SH SOLE 455 0 0
TEXAS INSTRS, INC 882508104 2368 16445 SH SOLE 16330 115 0
TEXAS INSTRS, INC 882508104 14 100 SH DEFINED 100 0 0
TEXAS UTILS CO HLDG CO 882848104 648 15650 SH SOLE 15650 0 0
TEXAS UTILS CO HLDG CO 882848104 8 200 SH DEFINED 200 0 0
TIME WARNER INC COM 887315109 127 1752 SH SOLE 1752 0 0
TOYS "R" US INC 892335100 2 100 SH SOLE 100 0 0
TRANSAMERICA CORP COM 893485102 12 166 SH SOLE 166 0 0
TRIAD HOSPITALS INC COM 89579K109 3 246 SH SOLE 246 0 0
TRICON GLOBAL RESTAURANTS COM 895953107 192 3565 SH SOLE 3565 0 0
TRICON GLOBAL RESTAURANTS COM 895953107 1 35 SH DEFINED 35 0 0
TURKISH GOLD COIN W CHAIN 896005998 0 1 PRN SOLE 1 0 0
TRINITY INDS INC COM 896522109 46 1387 SH DEFINED 1387 0 0
TYCO INTL LTD COM 902124106 616 6505 SH SOLE 6505 0 0
TYCO INTL LTD COM 902124106 49 523 SH DEFINED 523 0 0
US BANCORP DEL COM 902973106 7 224 SH SOLE 224 0 0
ULTIMATE ELECTRS INC COM 903849107 36 2000 SH DEFINED 2000 0 0
UNION PAC CORP COM 907818108 381 6535 SH SOLE 6535 0 0
UNION PACIFIC RESOURCES 907834105 55 3386 SH SOLE 3386 0 0
UNISON HEALTHCARE CORP COM 909196107 1 3445 SH SOLE 3445 0 0
UNISYS CORP COM 909214108 1734 44567 SH SOLE 44092 475 0
UNITED TECHNOLOGIES CORP COM 913017109 819 11380 SH SOLE 11380 0 0
UNOCAL CORP COM 915289102 396 10000 SH SOLE 10000 0 0
VANGUARD GROWTH & INCOME 92191310R 1162 33402 SH SOLE 33402 0 0
VANGUARD GROWTH & INCOME 921913109 13 382 SH SOLE 382 0 0
VANGUARD WELLINGTON FUND/ REINVEST 92193510R 716 23088 SH SOLE 23088 0 0
VANGUARD INTERMEDIATE BOND INDEX FD #314 921937306 109 11175 SH SOLE 11175 0 0
VANGUARD INDEX 500 PORTFOLIO #40/REINVEST 92290810R 2 22 SH SOLE 22 0 0
WABASH NATL CORP COM 929566107 30 1600 SH DEFINED 1600 0 0
WAL MART STORES INC COM 931142103 194 4040 SH SOLE 4040 0 0
WALGREEN CO COM 931422109 360 12260 SH SOLE 12260 0 0
WASHINGTON MUTUAL INC COM 939322103 7 200 SH SOLE 200 0 0
WASTE MGMT INC DEL COM 94106L109 21 400 SH SOLE 400 0 0
WHITE OPAL RING 946001997 0 1 PRN SOLE 1 0 0
WELLMAN INC COM 949702104 15 1000 SH DEFINED 1000 0 0
WELLS FARGO & CO NEW COM 949746101 4075 95331 SH SOLE 95331 0 0
WELLS FARGO & CO NEW COM 949746101 3359 78588 SH DEFINED 0 0 78588
WESTON ROY F INC CL A 961137106 42 14000 SH SOLE 14000 0 0
WEYERHAEUSER CO COM 962166104 2017 29350 SH SOLE 29143 207 0
WILLAMETTE INDS INC COM 969133107 921 20000 SH SOLE 20000 0 0
XEROX CORP COM 984121103 517 8770 SH SOLE 8770 0 0
GRAND TOTALS 141065 3455883 3315636 59664 80583
</TABLE>
<TABLE>
<CAPTION>
TWR850 01 NORWEST BANK TEXAS, SOUTH CENTRAL FORM 13F SECUR ITY REPORT REPORT DATE 6/30/99
ITEM 1 ITEM 2 ITEM 3 ITEM 4 ITEM 5 ITEM 6 ITEM 7 ITEM 8
NAME OF ISSUER CLASS CUSIP FAIR MARKET SHARES OR INVESTMENT MANAGER VOTING AUTHORITY
NUMBER VALUE PRINCIPAL DISCRETION
<S> <C> <C> <C> <C> <C> <C> <C> <C>
AT&T CORP COMMON 001957-10-9 2,582,779 47,282 (A) SOLE (A) SOLE
44,127 47,132
(B) DEFINED (B) SHARED
3,005 150
(C) SHARED (C) NONE
150
ABBOTT LABS COMMON 002824-10-0 868,306 19,847 (A) SOLE (A) SOLE
15,798 17,638
(B) DEFINED (B) SHARED
4,049 2,209
(C) SHARED (C) NONE
AIRTOUCH COMMUNICATIONS INC COMMON 00949T-10-0 277,500 2,500 (A) SOLE (A) SOLE
2,450 2,500
(B) DEFINED (B) SHARED
50
(C) SHARED (C) NONE
ALLIED SIGNAL INC COMMON 019512-10-2 511,321 7,762 (A) SOLE (A) SOLE
6,796 7,062
(B) DEFINED (B) SHARED
966 700
(C) SHARED (C) NONE
ALLSTATE CORP COMMON 020002-10-1 303,242 8,557 (A) SOLE (A) SOLE
7,225 7,555
(B) DEFINED (B) SHARED
1,332 1,002
(C) SHARED (C) NONE
AMERICAN ENTERTAINMENT GROUP COMMON 02566L-20-4 480 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 1,349,573 26,047 (A) SOLE (A) SOLE
18,987 24,947
(B) DEFINED (B) SHARED
7,060 1,100
(C) SHARED (C) NONE
AMERICAN INTERNATIONAL GROUP COMMON 026874-10-7 1,411,913 11,711 (A) SOLE (A) SOLE
INC 9,241 10,273
(B) DEFINED (B) SHARED
2,470 1,438
(C) SHARED (C) NONE
AMERITECH CORPORATION COMMON 030954-10-1 780,204 11,810 (A) SOLE (A) SOLE
9,866 11,110
(B) DEFINED (B) SHARED
1,944 700
(C) SHARED (C) NONE
AMGEN INCORPORATED COMMON 031162-10-0 346,815 6,200 (A) SOLE (A) SOLE
6,000 6,200
(B) DEFINED (B) SHARED
200
(C) SHARED (C) NONE
ASSOCIATES FIRST CAPITAL COMMON 046008-10-8 309,258 7,636 (A) SOLE (A) SOLE
CORPORATION 7,008 7,636
(B) DEFINED (B) SHARED
628
(C) SHARED (C) NONE
AUTO DATA PROCESS COMMON 053015-10-3 1,019,653 24,794 (A) SOLE (A) SOLE
18,264 21,948
(B) DEFINED (B) SHARED
6,530 2,846
(C) SHARED (C) NONE
BP AMOCO PLC-SPONS ADR COMMON 055622-10-4 806,175 7,333 (A) SOLE (A) SOLE
1,893 3,613
(B) DEFINED (B) SHARED
5,440 3,720
(C) SHARED (C) NONE
BANK OF AMERICA CORP COMMON 060505-10-4 1,111,150 15,789 (A) SOLE (A) SOLE
1,585 15,789
(B) DEFINED (B) SHARED
14,204
(C) SHARED (C) NONE
BANK ONE CORP COMMON 06423A-10-3 776,317 14,051 (A) SOLE (A) SOLE
11,923 13,199
(B) DEFINED (B) SHARED
2,128 852
(C) SHARED (C) NONE
BELL ATLANTIC COMMON 077853-10-9 1,590,160 26,558 (A) SOLE (A) SOLE
24,432 25,608
(B) DEFINED (B) SHARED
2,126 950
(C) SHARED (C) NONE
BELLSOUTH CORP COMMON 079860-10-2 1,447,928 33,969 (A) SOLE (A) SOLE
30,657 31,973
(B) DEFINED (B) SHARED
3,312 1,996
(C) SHARED (C) NONE
BERKSHIRE HATHAWAY INC COMMON 084670-20-7 372,243 167 (A) SOLE (A) SOLE
117 147
(B) DEFINED (B) SHARED
50 20
(C) SHARED (C) NONE
BESTFOODS COMMON 08658U-10-1 351,926 7,219 (A) SOLE (A) SOLE
4,506 5,308
(B) DEFINED (B) SHARED
2,713 1,911
(C) SHARED (C) NONE
BLACK & DECKER MFG. CO. COMMON 091797-10-0 231,345 3,816 (A) SOLE (A) SOLE
2,866 2,866
(B) DEFINED (B) SHARED
950 950
(C) SHARED (C) NONE
BOEING COMPANY COMMON 097023-10-5 374,554 8,598 (A) SOLE (A) SOLE
5,816 7,453
(B) DEFINED (B) SHARED
2,782 1,145
(C) SHARED (C) NONE
BRASHEAR INDUSTRIES INC COMMO 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 4,895,130 72,655 (A) SOLE (A) SOLE
52,905 72,105
(B) DEFINED (B) SHARED
19,550 550
(C) SHARED (C) NONE
200
CARNIVAL CORP COMMON 143658-10-2 374,400 7,800 (A) SOLE (A) SOLE
7,500 7,500
(B) DEFINED (B) SHARED
300 300
(C) SHARED (C) NONE
CHEVRON CORP. COMMON 166751-10-7 890,705 9,883 (A) SOLE (A) SOLE
7,504 9,283
(B) DEFINED (B) SHARED
2,379 600
(C) SHARED (C) NONE
CHUBB CORP COMMON 171232-10-1 237,209 3,410 (A) SOLE (A) SOLE
2,825 2,935
(B) DEFINED (B) SHARED
585 475
(C) SHARED (C) NONE
COCA COLA CO COMMON 191216-10-0 1,217,576 19,678 (A) SOLE (A) SOLE
17,964 19,353
(B) DEFINED (B) SHARED
1,714 325
(C) SHARED (C) NONE
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 204493-10-0 528,609 23,625 (A) SOLE (A) SOLE
12,013 20,519
(B) DEFINED (B) SHARED
11,612 2,306
(C) SHARED (C) NONE
800
COMPUTER ASSOCIATES COMMON 204912-10-9 274,134 5,323 (A) SOLE (A) SOLE
3,323 4,723
(B) DEFINED (B) SHARED
2,000 600
(C) SHARED (C) NONE
CORPUS CHRISTI ATHLETIC CLUB 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 247025-10-9 225,321 6,100 (A) SOLE (A) SOLE
1,300 6,100
(B) DEFINED (B) SHARED
4,800
(C) SHARED (C) NONE
THE WALT DISNEY CO COMMON 254687-10-6 430,446 14,499 (A) SOLE (A) SOLE
9,135 10,924
(B) DEFINED (B) SHARED
5,364 3,575
(C) SHARED (C) NONE
DOW CHEMICAL COMMON 260543-10-3 544,341 4,232 (A) SOLE (A) SOLE
4,032 4,232
(B) DEFINED (B) SHARED
200
(C) SHARED (C) NONE
E I DUPONT DE NEMOURS & CO COMMON 263534-10-9 983,885 14,837 (A) SOLE (A) SOLE
10,878 13,028
(B) DEFINED (B) SHARED
3,809 1,709
(C) SHARED (C) NONE
150 100
EMERSON ELECTRIC CO COMMON 291011-10-4 901,487 13,990 (A) SOLE (A) SOLE
8,381 11,995
(B) DEFINED (B) SHARED
5,609 1,995
(C) SHARED (C) NONE
ENTERGY CORP COM COMMON 29364G-10-3 230,394 7,144 (A) SOLE (A) SOLE
5,475 5,644
(B) DEFINED (B) SHARED
1,669 1,500
(C) SHARED (C) NONE
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 15,578,160 204,470 (A) SOLE (A) SOLE
179,506 97,467
(B) DEFINED (B) SHARED
24,864 2,859
(C) SHARED (C) NONE
100 104,144
FANNIE MAE COMMON 313586-10-9 1,056,188 16,882 (A) SOLE (A) SOLE
N/C FROM FEDERAL NATIONAL MTG 15,742 16,032
ASSOC (B) DEFINED (B) SHARED
1,140 850
(C) SHARED (C) NONE
FIFTH THIRD BANCORP COMMON 316773-10-0 408,622 6,435 (A) SOLE (A) SOLE
3,044 4,384
(B) DEFINED (B) SHARED
3,391 2,051
(C) SHARED (C) NONE
FIRST NATIONAL BANK OF EL CAM COMMON 318998-10-1 342,000 456 (A) SOLE (A) SOLE
TX 456 456
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
FIRST NAT'L BK HEBBRONVILLE, 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 338915-10-1 257,250 6,000 (A) SOLE (A) SOLE
6,000 6,000
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
FORD MOTOR CO COMMON 345370-10-0 999,718 18,708 (A) SOLE (A) SOLE
16,469 18,158
(B) DEFINED (B) SHARED
2,239 550
(C) SHARED (C) NONE
GTE CORPORATION COMMON 362320-10-3 645,086 9,232 (A) SOLE (A) SOLE
7,060 8,882
(B) DEFINED (B) SHARED
2,172 350
(C) SHARED (C) NONE
GANNETT INC COMMON 364730-10-1 549,556 7,747 (A) SOLE (A) SOLE
4,932 6,024
(B) DEFINED (B) SHARED
2,815 1,723
(C) SHARED (C) NONE
GENERAL ELECTRIC CO COMMON 369604-10-3 2,719,774 26,042 (A) SOLE (A) SOLE
17,253 23,851
(B) DEFINED (B) SHARED
8,589 2,041
(C) SHARED (C) NONE
200 150
GENERAL MOTORS CORP COMMON 370442-10-5 629,158 9,908 (A) SOLE (A) SOLE
7,916 8,733
(B) DEFINED (B) SHARED
1,992 1,175
(C) SHARED (C) NONE
GILLETTE CO COMMON 375766-10-2 597,093 14,475 (A) SOLE (A) SOLE
14,475 14,475
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
GLAXO WELLCOME PLC ADR COMMON 37733W-10-5 722,406 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 71,703 31,000 (A) SOLE (A) SOLE
31,000
(B) DEFINED (B) SHARED
31,000
(C) SHARED (C) NONE
HARKEN ENERGY CORP COMMON 412552-10-1 21,000 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 1,492,929 16,118 (A) SOLE (A) SOLE
11,811 14,123
(B) DEFINED (B) SHARED
4,307 1,995
(C) SHARED (C) NONE
HOME DEPOT INC COMMON 437076-10-2 824,521 13,685 (A) SOLE (A) SOLE
8,503 10,933
(B) DEFINED (B) SHARED
5,182 2,752
(C) SHARED (C) NONE
HONEYWELL INC. COMMON 438506-10-7 899,215 7,513 (A) SOLE (A) SOLE
5,212 7,113
(B) DEFINED (B) SHARED
2,301 400
(C) SHARED (C) NONE
IMS HEALTH INC COMMON 449934-10-8 347,307 11,434 (A) SOLE (A) SOLE
5,550 7,934
(B) DEFINED (B) SHARED
5,884 3,500
(C) SHARED (C) NONE
ILLINOIS TOOL WORKS COMMON 452308-10-9 305,464 3,993 (A) SOLE (A) SOLE
3,293 3,443
(B) DEFINED (B) SHARED
700 550
(C) SHARED (C) NONE
INTEL CORP COMMON 458140-10-0 1,143,928 20,681 (A) SOLE (A) SOLE
11,518 17,303
(B) DEFINED (B) SHARED
9,163 3,178
(C) SHARED (C) NONE
200
INTERNATIONAL BUSINESS MACHIN COMMON 459200-10-1 1,561,471 12,682 (A) SOLE (A) SOLE
CORP 11,322 11,982
(B) DEFINED (B) SHARED
1,360 700
(C) SHARED (C) NONE
FIRST INTERNATIONAL BANCSHARE COMMON 459201-99-2 19,800 10,920 (A) SOLE (A) SOLE
INC 10,920
(B) DEFINED (B) SHARED
10,920
(C) SHARED (C) NONE
FIRST INTERNATIONAL BANCSHARE PREFERRE 459202-99-0 10,200 10,920 (A) SOLE (A) SOLE
INC 6.25% NONCUMULATIVE SERIE 10,920
PFD (B) DEFINED (B) SHARED
10,920
(C) SHARED (C) NONE
JOHNSON & JOHNSON COMMON 478160-10-4 1,320,225 14,568 (A) SOLE (A) SOLE
11,580 14,068
(B) DEFINED (B) SHARED
2,988 500
(C) SHARED (C) NONE
JUSTIN INDUSTRIES INC COMMON 482171-10-5 282,321 19,812 (A) SOLE (A) SOLE
19,812 19,812
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
KROGER COMPANY COMMON COMMON 501044-10-1 679,477 12,340 (A) SOLE (A) SOLE
10,240 10,440
(B) DEFINED (B) SHARED
2,100 1,900
(C) SHARED (C) NONE
ELI LILLY & CO COMMON 532457-10-8 495,972 7,529 (A) SOLE (A) SOLE
4,826 6,904
(B) DEFINED (B) SHARED
2,703 625
(C) SHARED (C) NONE
LUCENT TECHNOLOGIES INC COMMO COMMON 549463-10-7 3,547,421 55,700 (A) SOLE (A) SOLE
49,702 55,268
(B) DEFINED (B) SHARED
5,870 432
(C) SHARED (C) NONE
128
MARSH & MCLENNAN COS INC COMMON 571748-10-2 222,375 3,000 (A) SOLE (A) SOLE
3,000 3,000
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
MAY DEPARTMENT STORES COMMON 577778-10-3 285,348 6,981 (A) SOLE (A) SOLE
5,163 6,681
(B) DEFINED (B) SHARED
1,818 300
(C) SHARED (C) NONE
MCGRAW-HILL COMPANIES INC COMMON 580645-10-9 408,585 7,953 (A) SOLE (A) SOLE
6,571 6,853
(B) DEFINED (B) SHARED
1,382 1,100
(C) SHARED (C) NONE
MEDIA ONE GROUP INC COMMON 58440J-10-4 436,221 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 585055-10-6 614,410 8,338 (A) SOLE (A) SOLE
6,750 8,038
(B) DEFINED (B) SHARED
1,588 300
(C) SHARED (C) NONE
MERCK & COMPANY INC COMMON 589331-10-7 4,134,084 60,023 (A) SOLE (A) SOLE
51,883 58,901
(B) DEFINED (B) SHARED
8,140 1,122
(C) SHARED (C) NONE
MERRILL LYNCH & CO COMMON 590188-10-8 267,480 3,715 (A) SOLE (A) SOLE
1,990 2,990
(B) DEFINED (B) SHARED
1,725 725
(C) SHARED (C) NONE
MICROSOFT CORP. COMMON 594918-10-4 509,543 5,999 (A) SOLE (A) SOLE
4,445 5,399
(B) DEFINED (B) SHARED
1,554 450
(C) SHARED (C) NONE
150
MINNESOTA MINING & MANUFACTUR COMMON 604059-10-5 1,083,445 12,277 (A) SOLE (A) SOLE
CO 9,260 10,891
(B) DEFINED (B) SHARED
3,017 1,386
(C) SHARED (C) NONE
MOBIL OIL CORP COMMON 607059-10-2 1,496,722 15,470 (A) SOLE (A) SOLE
11,072 14,620
(B) DEFINED (B) SHARED
4,398 800
(C) SHARED (C) NONE
50
MORGAN J P & CO INC COMMON 616880-10-0 569,276 4,428 (A) SOLE (A) SOLE
3,353 4,203
(B) DEFINED (B) SHARED
1,075 225
(C) SHARED (C) NONE
MORGAN STANLEY, DEAN WITTER, COMMON 617446-44-8 584,814 6,374 (A) SOLE (A) SOLE
DISCOVER & CO 6,374 6,374
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
MOTOROLA, INC COMMON 620076-10-9 1,428,750 15,875 (A) SOLE (A) SOLE
14,875 15,875
(B) DEFINED (B) SHARED
800
(C) SHARED (C) NONE
200
THE BANK OF NAVASOTA NATIONAL COMMON 638999-99-5 129,000 12,900 (A) SOLE (A) SOLE
ASSN 6,500 6,400
(B) DEFINED (B) SHARED
6,400
(C) SHARED (C) NONE
6,500
NESTLE SA (REG) ADR+ COMMON 641069-40-6 286,750 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-10-3 230,357 5,916 (A) SOLE (A) SOLE
5,866 5,866
(B) DEFINED (B) SHARED
50 50
(C) SHARED (C) NONE
NORFOLK SOUTHERN CORPORATION COMMON 655844-10-8 477,028 15,388 (A) SOLE (A) SOLE
4,552 5,138
(B) DEFINED (B) SHARED
10,836 10,250
(C) SHARED (C) NONE
ORACLE CORP COMMON 68389X-10-5 289,575 8,100 (A) SOLE (A) SOLE
8,100 8,100
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
J C PENNEY CO COMMON 708160-10-6 200,900 4,100 (A) SOLE (A) SOLE
4,100 4,100
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
PEPSICO COMMON 713448-10-8 476,976 13,342 (A) SOLE (A) SOLE
12,152 12,592
(B) DEFINED (B) SHARED
1,190 750
(C) SHARED (C) NONE
PFIZER INC COMMON 717081-10-3 2,862,073 28,215 (A) SOLE (A) SOLE
23,769 27,506
(B) DEFINED (B) SHARED
4,446 709
(C) SHARED (C) NONE
PHILIP MORRIS COS INC COM COMMON 718154-10-7 1,324,153 32,149 (A) SOLE (A) SOLE
28,571 31,699
(B) DEFINED (B) SHARED
3,578 450
(C) SHARED (C) NONE
PITNEY BOWES INC COMMON 724479-10-0 646,731 10,225 (A) SOLE (A) SOLE
8,225 9,225
(B) DEFINED (B) SHARED
2,000 1,000
(C) SHARED (C) NONE
THE PROCTOR & GAMBLE CO COMMON 742718-10-9 1,278,841 14,990 (A) SOLE (A) SOLE
12,625 14,023
(B) DEFINED (B) SHARED
2,365 967
(C) SHARED (C) NONE
PUBLIC SERVICE ENTERPRISE GRO COMMON 744573-10-6 223,007 5,398 (A) SOLE (A) SOLE
INC 3,689 5,398
(B) DEFINED (B) SHARED
1,709
(C) SHARED (C) NONE
RELIANT ENERGY INC COMMON 75952J-10-8 253,575 9,016 (A) SOLE (A) SOLE
3,516 9,016
(B) DEFINED (B) SHARED
5,500
(C) SHARED (C) NONE
ROYAL DUTCH PETROLEUM CO. NEW COMMON 780257-80-4 786,468 13,344 (A) SOLE (A) SOLE
10,416 13,344
(B) DEFINED (B) SHARED
2,928
(C) SHARED (C) NONE
SBC COMMUNICATIONS INC COMMON 78387G-10-3 4,194,410 79,988 (A) SOLE (A) SOLE
75,868 78,567
(B) DEFINED (B) SHARED
3,920 1,200
(C) SHARED (C) NONE
200 221
SARA LEE CORPORATION COMMON 803111-10-3 544,824 23,688 (A) SOLE (A) SOLE
12,404 19,314
(B) DEFINED (B) SHARED
10,884 4,374
(C) SHARED (C) NONE
400
SCHERING PLOUGH CORP COMMON 806605-10-1 1,225,671 25,174 (A) SOLE (A) SOLE
18,417 22,097
(B) DEFINED (B) SHARED
6,757 3,077
(C) SHARED (C) NONE
SCHLUMBERGER LTD COMMON 806857-10-8 3,048,537 51,506 (A) SOLE (A) SOLE
47,597 49,564
(B) DEFINED (B) SHARED
3,909 1,842
(C) SHARED (C) NONE
100
SEARS ROEBUCK & CO COMMON 812387-10-8 244,716 5,349 (A) SOLE (A) SOLE
3,163 4,749
(B) DEFINED (B) SHARED
2,186 600
(C) SHARED (C) NONE
SOUTHERN CO COMMON 842587-10-7 263,349 9,533 (A) SOLE (A) SOLE
8,413 9,133
(B) DEFINED (B) SHARED
1,120 400
(C) SHARED (C) NONE
TEXACO INC COMMON 881694-10-3 515,181 8,276 (A) SOLE (A) SOLE
5,432 7,676
(B) DEFINED (B) SHARED
2,844 600
(C) SHARED (C) NONE
TEXAS INSTRUMENTS INC. COMMON 882508-10-4 345,525 2,550 (A) SOLE (A) SOLE
2,550 2,550
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
TEXAS UTILITIES CO COMMON 882848-10-4 278,817 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 883203-10-1 293,850 3,600 (A) SOLE (A) SOLE
3,200 3,600
(B) DEFINED (B) SHARED
400
(C) SHARED (C) NONE
TRANSAMERICA CORP COMMON 893485-10-2 496,222 6,540 (A) SOLE (A) SOLE
4,800 5,990
(B) DEFINED (B) SHARED
1,740 550
(C) SHARED (C) NONE
TYCO INTERNATIONAL LTD (NEW) COMMON 902124-10-6 398,034 4,374 (A) SOLE (A) SOLE
2,254 4,296
(B) DEFINED (B) SHARED
2,120 78
(C) SHARED (C) NONE
US WEST INC NEW COMMON 91273H-10-1 325,710 5,640 (A) SOLE (A) SOLE
COM 5,537 5,640
N/C US WEST COMMUNICATIONS GR (B) DEFINED (B) SHARED
103
(C) SHARED (C) NONE
UNITED TECHNOLOGIES CORP COMMON 913017-10-9 602,046 9,316 (A) SOLE (A) SOLE
5,726 7,366
(B) DEFINED (B) SHARED
3,590 1,950
(C) SHARED (C) NONE
VALUE LINE CENTURIAN FUND COMMON 921000-10-5 463,819 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 1,323,121 30,460 (A) SOLE (A) SOLE
29,456 29,546
(B) DEFINED (B) SHARED
1,004 300
(C) SHARED (C) NONE
614
WALGREEN CO. COMMON 931422-10-9 664,102 24,094 (A) SOLE (A) SOLE
12,982 18,252
(B) DEFINED (B) SHARED
11,112 5,492
(C) SHARED (C) NONE
350
WARNER-LAMBERT CO COMMON 934488-10-7 677,691 10,725 (A) SOLE (A) SOLE
10,425 10,725
(B) DEFINED (B) SHARED
300
(C) SHARED (C) NONE
WASATCH INTERNATIONAL CORP COMMON 936796-10-1 2,967 129,000 (A) SOLE (A) SOLE
129,000
(B) DEFINED (B) SHARED
129,000
(C) SHARED (C) NONE
WELLS FARGO & COMPANY NEW COMMON 949746-10-1 832,199 19,438 (A) SOLE (A) SOLE
COM 19,438 19,438
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
XEROX CORP COMMON 984121-10-3 666,193 11,765 (A) SOLE (A) SOLE
7,555 9,415
(B) DEFINED (B) SHARED
4,210 2,350
(C) SHARED (C) NONE
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 PARTNERSHI 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 109,316,060
</TABLE>
<TABLE>
<CAPTION>
TWR850 03 NORWEST BANK TEXAS - KERRVILLE FORM 13F SECURITY REPORT REPORT DATE 6/30/99
ITEM 1 ITEM 2 ITEM 3 ITEM 4 ITEM 5 ITEM 6 ITEM 7 ITEM 8
NAME OF ISSUER CLASS CUSIP FAIR MARKET SHARES OR INVESTMENT MANAGER VOTING AUTHORITY
NUMBER VALUE PRINCIPAL DISCRETION
<S> <C> <C> <C> <C> <C> <C> <C> <C>
AT & T CORP COMMON COMMON 001957-10-9 1,455,046 26,637 (A) SOLE (A) SOLE
23,337 26,637
(B) DEFINED (B) SHARED
3,300
(C) SHARED (C) NONE
ABBOTT LABORATORIES COMMON 002824-10-0 4,027,625 92,060 (A) SOLE (A) SOLE
87,960 82,060
(B) DEFINED (B) SHARED
4,100 10,000
(C) SHARED (C) NONE
ALLSTATE CORP COMMON 020002-10-1 289,741 8,176 (A) SOLE (A) SOLE
7,056 8,176
(B) DEFINED (B) SHARED
1,120
(C) SHARED (C) NONE
AMERICAN EXPRESS COMPANY COMMON 025816-10-9 2,032,470 16,600 (A) SOLE (A) SOLE
16,600 14,300
(B) DEFINED (B) SHARED
2,300
(C) SHARED (C) NONE
AMERICAN HOME PRODUCTS COMMON 026609-10-7 3,335,461 64,375 (A) SOLE (A) SOLE
CORP 61,075 58,175
(B) DEFINED (B) SHARED
3,300 6,200
(C) SHARED (C) NONE
AMERICAN INTERNATIONAL COMMON 026874-10-7 2,639,124 21,890 (A) SOLE (A) SOLE
GROUP 21,890 19,190
(B) DEFINED (B) SHARED
2,700
(C) SHARED (C) NONE
AMERITECH CORP COMMON 030954-10-1 3,067,437 46,432 (A) SOLE (A) SOLE
43,508 39,232
(B) DEFINED (B) SHARED
2,924 7,200
(C) SHARED (C) NONE
ANHEUSER-BUSCH COMPANIES COMMON 035229-10-3 1,418,760 20,000 (A) SOLE (A) SOLE
INC 20,000 20,000
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
ATLANTIC RICHFIELD CO COMMON 048825-10-3 253,689 3,000 (A) SOLE (A) SOLE
3,000 3,000
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
AUTOMATIC DATA PROCESSING COMMON 053015-10-3 4,381,457 106,540 (A) SOLE (A) SOLE
100,890 94,540
(B) DEFINED (B) SHARED
5,650 12,000
(C) SHARED (C) NONE
BP AMOCO PLC-SPONS ADR COMMON 055622-10-4 392,808 3,573 (A) SOLE (A) SOLE
3,573 3,573
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
BAXTER INTERNATIONAL INC COMMON 071813-10-9 216,777 3,572 (A) SOLE (A) SOLE
3,572 3,572
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
BELL ATLANTIC CORP COMMON 077853-10-9 591,086 9,872 (A) SOLE (A) SOLE
8,602 9,872
(B) DEFINED (B) SHARED
1,270
(C) SHARED (C) NONE
BELLSOUTH CORP COMMON 079860-10-2 571,516 13,408 (A) SOLE (A) SOLE
11,628 12,268
(B) DEFINED (B) SHARED
1,780 1,140
(C) SHARED (C) NONE
BESTFOODS COMMON 08658U-10-1 3,031,470 62,184 (A) SOLE (A) SOLE
60,500 55,184
(B) DEFINED (B) SHARED
1,684 7,000
(C) SHARED (C) NONE
BRISTOL-MYERS SQUIBB COMMON 110122-10-8 1,918,166 28,470 (A) SOLE (A) SOLE
24,070 28,470
(B) DEFINED (B) SHARED
4,400
(C) SHARED (C) NONE
CAMPBELL SOUP CO COMMON 134429-10-9 543,833 12,910 (A) SOLE (A) SOLE
10,810 12,910
(B) DEFINED (B) SHARED
2,100
(C) SHARED (C) NONE
CARDINAL HEALTH INC COMMON 14149Y-10-8 322,765 5,488 (A) SOLE (A) SOLE
5,488 5,488
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
CARNIVAL CORP COMMON 143658-10-2 1,418,400 29,550 (A) SOLE (A) SOLE
29,550 22,550
(B) DEFINED (B) SHARED
7,000
(C) SHARED (C) NONE
CATERPILLAR INC COMMON 149123-10-1 1,231,125 21,000 (A) SOLE (A) SOLE
21,000 15,200
(B) DEFINED (B) SHARED
5,800
(C) SHARED (C) NONE
CHASE MANHATTAN CORP COMMON 16161A-10-8 633,997 7,809 (A) SOLE (A) SOLE
NEW COM 7,809 7,809
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
CHUBB CORP COMMON 171232-10-1 1,489,343 21,410 (A) SOLE (A) SOLE
20,510 18,410
(B) DEFINED (B) SHARED
900 3,000
(C) SHARED (C) NONE
CISCO SYSTEMS INC COMMON 17275R-10-2 404,665 6,600 (A) SOLE (A) SOLE
6,600 6,600
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
CITIGROUP INC COMMON 172967-10-1 2,460,450 56,158 (A) SOLE (A) SOLE
COM 55,970 49,783
(B) DEFINED (B) SHARED
188 6,375
(C) SHARED (C) NONE
COASTAL CORP COMMON 190441-10-5 331,485 8,300 (A) SOLE (A) SOLE
8,300 8,300
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
COCA COLA COMMON 191216-10-0 3,106,125 50,200 (A) SOLE (A) SOLE
47,650 46,500
(B) DEFINED (B) SHARED
2,550 3,700
(C) SHARED (C) NONE
COMPAQ COMPUTER CORP COMMON 204493-10-0 1,103,646 49,325 (A) SOLE (A) SOLE
49,025 44,325
(B) DEFINED (B) SHARED
300 5,000
(C) SHARED (C) NONE
COMPUTER ASSOCIATES INTL COMMON 204912-10-9 1,615,812 31,375 (A) SOLE (A) SOLE
INC 31,075 26,175
(B) DEFINED (B) SHARED
300 5,200
(C) SHARED (C) NONE
CONAGRA INC COMMON 205887-10-2 1,149,487 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 1,557,675 25,800 (A) SOLE (A) SOLE
25,800 22,200
(B) DEFINED (B) SHARED
3,600
(C) SHARED (C) NONE
DAYTON HUDSON CORP COMMON 239753-10-6 224,875 3,500 (A) SOLE (A) SOLE
3,500 3,500
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
DELL COMPUTER COMMON 247025-10-9 384,155 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 2,490,081 83,875 (A) SOLE (A) SOLE
81,325 74,675
(B) DEFINED (B) SHARED
2,550 9,200
(C) SHARED (C) NONE
DU PONT E I DE NEMOURS COMMON 263534-10-9 2,977,520 44,901 (A) SOLE (A) SOLE
44,201 38,901
(B) DEFINED (B) SHARED
700 6,000
(C) SHARED (C) NONE
DUN & BRADSTREET CORP DEL COMMON 26483B-10-6 522,112 15,300 (A) SOLE (A) SOLE
COM 14,400 10,300
(B) DEFINED (B) SHARED
900 5,000
(C) SHARED (C) NONE
DYNAMIC OIL & GAS INC COMMON 267906-10-5 24,680 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 3,625,248 67,290 (A) SOLE (A) SOLE
67,290 57,490
(B) DEFINED (B) SHARED
9,800
(C) SHARED (C) NONE
EDPERBRASCAN CORP-CL A COMMON 280905-80-3 228,750 15,000 (A) SOLE (A) SOLE
15,000 15,000
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
EMERSON ELEC CO COMMON 291011-10-4 440,433 6,835 (A) SOLE (A) SOLE
6,835 6,835
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
ENRON CORP COMMON 293561-10-6 3,330,250 43,250 (A) SOLE (A) SOLE
43,250 34,950
(B) DEFINED (B) SHARED
8,300
(C) SHARED (C) NONE
EQUITY RESIDENTIAL PROPS TR COMMON 29476L-10-7 597,375 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 5,873,713 77,095 (A) SOLE (A) SOLE
62,880 74,128
(B) DEFINED (B) SHARED
14,215 2,967
(C) SHARED (C) NONE
FASTENAL CO. COMMON 311900-10-4 1,747,200 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 2,887,282 46,150 (A) SOLE (A) SOLE
44,450 40,950
(B) DEFINED (B) SHARED
1,700 5,200
(C) SHARED (C) NONE
FIFTH THIRD BANCORP COMMON 316773-10-0 2,303,335 36,273 (A) SOLE (A) SOLE
33,954 31,273
(B) DEFINED (B) SHARED
2,319 5,000
(C) SHARED (C) NONE
FIRSTAR CORPORATION COMMON 33763V-10-9 1,604,046 60,672 (A) SOLE (A) SOLE
60,672 60,672
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
FRANKLIN RESOURCES INC COMMON 354613-10-1 728,897 19,800 (A) SOLE (A) SOLE
19,800 12,800
(B) DEFINED (B) SHARED
7,000
(C) SHARED (C) NONE
GTE CORP COMMON 362320-10-3 388,644 5,562 (A) SOLE (A) SOLE
5,487 5,537
(B) DEFINED (B) SHARED
75 25
(C) SHARED (C) NONE
GANNETT COMPANY INC COMMON 364730-10-1 3,154,967 44,475 (A) SOLE (A) SOLE
42,775 38,775
(B) DEFINED (B) SHARED
1,700 5,700
(C) SHARED (C) NONE
GAP INC COMMON 364760-10-8 702,453 15,375 (A) SOLE (A) SOLE
15,375 12,375
(B) DEFINED (B) SHARED
3,000
(C) SHARED (C) NONE
GENERAL ELEC CO COMMON 369604-10-3 6,340,744 60,713 (A) SOLE (A) SOLE
56,513 56,413
(B) DEFINED (B) SHARED
4,200 4,300
(C) SHARED (C) NONE
GENERAL MILLS INC COMMON 370334-10-4 440,000 5,500 (A) SOLE (A) SOLE
5,500 5,500
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
GILLETTE COMPANY COMMON 375766-10-2 810,562 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 1,267,775 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 5,902,528 63,725 (A) SOLE (A) SOLE
60,725 57,225
(B) DEFINED (B) SHARED
3,000 6,500
(C) SHARED (C) NONE
HOME DEPOT INC COMMON 437076-10-2 4,978,457 82,630 (A) SOLE (A) SOLE
78,970 71,630
(B) DEFINED (B) SHARED
3,660 11,000
(C) SHARED (C) NONE
HONEYWELL INC COMMON 438506-10-7 3,838,992 32,075 (A) SOLE (A) SOLE
31,875 27,375
(B) DEFINED (B) SHARED
200 4,700
(C) SHARED (C) NONE
IMS HEALTH INC COMMON 449934-10-8 448,031 14,750 (A) SOLE (A) SOLE
12,100 14,750
(B) DEFINED (B) SHARED
2,650
(C) SHARED (C) NONE
INGERSOLL RAND COMMON 456866-10-2 409,513 6,430 (A) SOLE (A) SOLE
6,430 6,430
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
INTEL CORP COMMON 458140-10-0 4,005,767 72,420 (A) SOLE (A) SOLE
69,520 67,420
(B) DEFINED (B) SHARED
2,900 5,000
(C) SHARED (C) NONE
INTERNATIONAL BUSINESS COMMON 459200-10-1 4,749,546 38,575 (A) SOLE (A) SOLE
MACHINES 37,975 33,175
(B) DEFINED (B) SHARED
600 5,400
(C) SHARED (C) NONE
JOHNSON & JOHNSON COMMON 478160-10-4 5,475,562 60,420 (A) SOLE (A) SOLE
57,370 54,120
(B) DEFINED (B) SHARED
3,050 6,300
(C) SHARED (C) NONE
KERRVILLE COMMUNICATIONS COMMON 491998-10-0 265,300 280 (A) SOLE (A) SOLE
CORP 280
(B) DEFINED (B) SHARED
280
(C) SHARED (C) NONE
KROGER COMPANY COMMON COMMON 501044-10-1 253,289 4,600 (A) SOLE (A) SOLE
4,600 4,600
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
LILLY ELI & CO COMMON 532457-10-8 1,525,006 23,150 (A) SOLE (A) SOLE
23,150 20,650
(B) DEFINED (B) SHARED
2,500
(C) SHARED (C) NONE
LIZ CLAIBORNE INC COMMON 539320-10-1 629,606 17,550 (A) SOLE (A) SOLE
17,550 17,550
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
LUCENT TECHNOLOGIES INC. COMMON 549463-10-7 2,735,144 42,946 (A) SOLE (A) SOLE
40,099 38,946
(B) DEFINED (B) SHARED
2,847 4,000
(C) SHARED (C) NONE
MASCO CORP COMMON 574599-10-6 1,369,200 48,900 (A) SOLE (A) SOLE
48,700 35,900
(B) DEFINED (B) SHARED
200 13,000
(C) SHARED (C) NONE
MAY DEPT STORES CO COMMON 577778-10-3 1,966,578 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 580135-10-1 845,993 21,350 (A) SOLE (A) SOLE
21,350 19,350
(B) DEFINED (B) SHARED
2,000
(C) SHARED (C) NONE
MEDTRONIC INC COMMON 585055-10-6 3,513,075 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 3,483,697 50,580 (A) SOLE (A) SOLE
48,480 46,580
(B) DEFINED (B) SHARED
2,100 4,000
(C) SHARED (C) NONE
MERRILL LYNCH & CO COMMON 590188-10-8 1,805,400 25,075 (A) SOLE (A) SOLE
24,475 22,175
(B) DEFINED (B) SHARED
600 2,900
(C) SHARED (C) NONE
MICROSOFT CORP COMMON 594918-10-4 3,864,679 45,500 (A) SOLE (A) SOLE
45,500 39,100
(B) DEFINED (B) SHARED
6,400
(C) SHARED (C) NONE
MINNESOTA MINING & MFG CO COMMON 604059-10-5 2,962,993 33,575 (A) SOLE (A) SOLE
32,475 29,375
(B) DEFINED (B) SHARED
1,100 4,200
(C) SHARED (C) NONE
MOBIL CORP COMMON 607059-10-2 251,550 2,600 (A) SOLE (A) SOLE
2,600 2,600
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
NATIONAL CITY CORPORATION COMMON 635405-10-3 200,937 3,180 (A) SOLE (A) SOLE
2,380 3,180
(B) DEFINED (B) SHARED
800
(C) SHARED (C) NONE
NEWELL RUBBERMAID INC COMMON 651229-10-6 1,847,372 40,657 (A) SOLE (A) SOLE
40,657 32,157
(B) DEFINED (B) SHARED
8,500
(C) SHARED (C) NONE
NIELSEN MEDIA RESEARCH COMMON 653929-30-7 467,593 15,884 (A) SOLE (A) SOLE
INC (NEW) 15,359 14,384
(B) DEFINED (B) SHARED
525 1,500
(C) SHARED (C) NONE
PEPSICO INC COMMON 713448-10-8 1,168,846 32,695 (A) SOLE (A) SOLE
30,395 29,195
(B) DEFINED (B) SHARED
2,300 3,500
(C) SHARED (C) NONE
PFIZER INC COMMON 717081-10-3 4,452,621 43,895 (A) SOLE (A) SOLE
39,995 40,895
(B) DEFINED (B) SHARED
3,900 3,000
(C) SHARED (C) NONE
PITNEY BOWES, INC COMMON 724479-10-0 2,909,500 46,000 (A) SOLE (A) SOLE
46,000 37,600
(B) DEFINED (B) SHARED
8,400
(C) SHARED (C) NONE
PROCTER & GAMBLE COMMON 742718-10-9 4,777,101 55,995 (A) SOLE (A) SOLE
52,245 50,345
(B) DEFINED (B) SHARED
3,750 5,650
(C) SHARED (C) NONE
PROGRESSIVE CORP COMMON 743315-10-3 720,940 5,000 (A) SOLE (A) SOLE
5,000 5,000
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
ROHM AND HAAS CO COMMON 775371-10-7 367,954 7,855 (A) SOLE (A) SOLE
7,633 5,827
(B) DEFINED (B) SHARED
222 2,028
(C) SHARED (C) NONE
ROYAL DUTCH PETROLEUM CO COMMON 780257-80-4 2,318,797 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 3,247,223 61,925 (A) SOLE (A) SOLE
56,013 54,697
(B) DEFINED (B) SHARED
5,912 7,228
(C) SHARED (C) NONE
SARA LEE CORP COMMON 803111-10-3 3,188,260 138,620 (A) SOLE (A) SOLE
131,620 123,620
(B) DEFINED (B) SHARED
7,000 15,000
(C) SHARED (C) NONE
SCHERING PLOUGH COMMON 806605-10-1 4,147,730 85,190 (A) SOLE (A) SOLE
78,590 79,190
(B) DEFINED (B) SHARED
6,600 6,000
(C) SHARED (C) NONE
SCHLUMBERGER LTD COMMON 806857-10-8 2,030,444 34,305 (A) SOLE (A) SOLE
33,705 30,605
(B) DEFINED (B) SHARED
600 3,700
(C) SHARED (C) NONE
SERVICE CORP INTL COMMON 817565-10-4 932,137 49,714 (A) SOLE (A) SOLE
49,714 42,214
(B) DEFINED (B) SHARED
7,500
(C) SHARED (C) NONE
SOUTHERN CO COMMON 842587-10-7 215,640 7,806 (A) SOLE (A) SOLE
4,550 7,806
(B) DEFINED (B) SHARED
3,256
(C) SHARED (C) NONE
SUNTRUST BANKS INC COMMON 867914-10-3 2,133,314 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 872540-10-9 238,053 7,200 (A) SOLE (A) SOLE
7,200 7,200
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
TEXACO INC COMMON 881694-10-3 1,786,575 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 882508-10-4 609,750 4,500 (A) SOLE (A) SOLE
4,100 4,500
(B) DEFINED (B) SHARED
400
(C) SHARED (C) NONE
TIME WARNER INC COMMON 887315-10-9 499,700 7,600 (A) SOLE (A) SOLE
6,100 7,600
(B) DEFINED (B) SHARED
1,500
(C) SHARED (C) NONE
TYCO INTERNATIONAL LTD (NEW) COMMON 902124-10-6 1,604,421 17,631 (A) SOLE (A) SOLE
16,355 17,631
(B) DEFINED (B) SHARED
1,276
(C) SHARED (C) NONE
US BANCORP COMMON 902973-10-6 1,142,456 35,425 (A) SOLE (A) SOLE
32,625 30,625
(B) DEFINED (B) SHARED
2,800 4,800
(C) SHARED (C) NONE
UNITED TECHNOLOGIES CORP COMMON 913017-10-9 4,179,945 64,680 (A) SOLE (A) SOLE
62,180 56,280
(B) DEFINED (B) SHARED
2,500 8,400
(C) SHARED (C) NONE
WAL-MART STORES COMMON 931142-10-3 940,432 21,650 (A) SOLE (A) SOLE
21,650 19,650
(B) DEFINED (B) SHARED
2,000
(C) SHARED (C) NONE
WALGREEN CO COMMON 931422-10-9 6,294,782 228,378 (A) SOLE (A) SOLE
215,378 206,378
(B) DEFINED (B) SHARED
13,000 22,000
(C) SHARED (C) NONE
WELLS FARGO & COMPANY NEW COMMON 949746-10-1 215,563 5,035 (A) SOLE (A) SOLE
COM 5,035 5,035
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
XEROX CORP COMMON 984121-10-3 3,680,625 65,000 (A) SOLE (A) SOLE
64,050 58,000
(B) DEFINED (B) SHARED
950 7,000
(C) SHARED (C) NONE
TOTAL 201,685,155
</TABLE>
<TABLE>
<CAPTION>
TWR850 04 NORWEST BANK TEXAS - SAN ANTONIO FORM 13F SECURITY REPORT REPORT DATE 6/30/99 PAGE 1
ITEM 1 ITEM 2 ITEM 3 ITEM 4 ITEM 5 ITEM 6 ITEM 7 ITEM 8
NAME OF ISSUER CLASS CUSIP FAIR MARKET SHARES OR INVESTMENT MANAGER VOTING AUTHORITY
NUMBER VALUE PRINCIPAL DISCRETION
<S> <C> <C> <C> <C> <C> <C> <C> <C>
AMERICAN GENERAL CORP COMMON 026351-10-6 200,026 2,800 (A) SOLE (A) SOLE
2,800 2,800
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
COCA COLA CO COMMON 191216-10-0 328,246 5,305 (A) SOLE (A) SOLE
5,155 5,305
(B) DEFINED (B) SHARED
150
(C) SHARED (C) NONE
EXXON CORP COMMON 302290-10-1 226,278 2,970 (A) SOLE (A) SOLE
2,890 2,970
(B) DEFINED (B) SHARED
80
(C) SHARED (C) NONE
GENERAL ELEC CO COMMON 369604-10-3 261,095 2,500 (A) SOLE (A) SOLE
2,500 2,500
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
THE PROCTOR & GAMBLE CO. COMMON 742718-10-9 298,595 3,500 (A) SOLE (A) SOLE
3,500 3,500
(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
105,521 105,521
(B) DEFINED (B) SHARED
(C) SHARED (C) NONE
TOTAL 5,739,790
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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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
ALBERTSONS INC COM COMMON 013104104 15 300 SH SOLE 300
AMGEN INC COM COMMON 031162100 24 400 SH SOLE 400
CISCO SYS INC COM COMMON 17275R102 39 600 SH SOLE 600
CITIGROUP INC COM COMMON 172967101 71 1500 SH SOLE 1500
COCA COLA CO COM COMMON 191216100 12 200 SH SOLE 200
COLGATE PALMOLIVE CO COM COMMON 194162103 20 200 SH SOLE 200
DISNEY WALT COMPANY COM COMMON 254687106 15 500 SH SOLE 500
ELECTRONIC DATA SYSTEM COM COMMON 285661104 28 500 SH SOLE 500
ENRON CORP COM COMMON 293561106 33 400 SH SOLE 400
FEDERAL NATL MTG ASSN COM COMMON 313586109 20 300 SH SOLE 300
GALILEO INTL INC COM COMMON 363547100 11 200 SH SOLE 200
GILLETTE CO COM COMMON 375766102 16 400 SH SOLE 400
HALLIBURTON CO COM COMMON 406216101 18 400 SH SOLE 400
HOME DEPOT INC COM COMMON 437076102 32 500 SH SOLE 500
INTEL CORP COM COMMON 458140100 24 400 SH SOLE 400
INTERNATIONAL BUSINESS MACHS COCOMMON 459200101 52 400 SH SOLE 400
MEDTRONIC INC COM COMMON 585055106 23 300 SH SOLE 300
MERCK & CO INC COM COMMON 589331107 29 400 SH SOLE 400
ORACLE CORP COM COMMON 68389X105 17 450 SH SOLE 450
PEPSI BOTTLING GROUP COM COMMON 713409100 46 2000 SH SOLE 2000
PFIZER INC COM COMMON 717081103 33 300 SH SOLE 300
RHYTHMS NETCONNECTIONS INC COM COMMON 762430205 12 200 SH SOLE 200
TIME WARNER INC COM COMMON 887315109 58 800 SH SOLE 800
WAL MART STORES INC COM COMMON 931142103 24 500 SH SOLE 500
HELEN OF TROY CORP COM COMMON G4388N106 54 3000 SH SOLE 3000
=== ===== =====
REPORT TOTAL 728 15150 15150
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