<PAGE>
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 12/31/99
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: CATHY WHEELER
TITLE: VICE PRESIDENT AND REGIONAL OPERATIONS MANAGER
PHONE: (210) 856-5143
SIGNATURE,PLACE,AND DATE OF SIGNING:
CATHY WHEELER SAN ANTONIO, TX 1/5/00
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: 785
FORM 13F INFORMATION TABLE VALUE TOTAL: $890,264
<PAGE>
FORM 13F INFORMATION 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>
A T & T CORP COM COMMON STOCK 001957109 5228 102897 SH OTHER 101492 655 750
ABBOTT LABS COMMON STOCK 002824100 974 26835 SH OTHER 26835 0 0
ACM GOVT SECS FD INC COM COMMON STOCK 000914101 19 2949 SH OTHER 2949 0 0
ADAMS EXPRESS CO COMMON STOCK 006212104 60 1794 SH OTHER 1794 0 0
ALBERTSONS INC 1 COM & 1 TAKEO COMMON STOCK 013104104 709 21974 SH OTHER 21407 0 567
ALCOA INC COMMON STOCK 013817101 2324 28000 SH OTHER 28000 0 0
ALLEGHENY ENERGY INC COM COMMON STOCK 017361106 11 400 SH OTHER 400 0 0
ALLEN TELECOM INC COM COMMON STOCK 018091108 2 200 SH OTHER 200 0 0
ALLIANT CORP COMMON STOCK 018802108 20 726 SH OTHER 726 0 0
ALLMERICA FINL CORP COM COMMON STOCK 019754100 117 2105 SH OTHER 2105 0 0
ALLSTATE CORP COM COMMON STOCK 020002101 576 23953 SH OTHER 23953 0 0
ALLTEL CORP 1 COM & 1 TAKEOVER COMMON STOCK 020039103 154 1867 SH OTHER 1867 0 0
AMEREN CORP COM COMMON STOCK 023608102 26 798 SH OTHER 798 0 0
AMERICA ONLINE INC DEL COM COMMON STOCK 02364J104 15 200 SH DEFINED 200 0 0
AMERICA ONLINE INC DEL COM COMMON STOCK 02364J104 1043 13740 SH OTHER 13540 0 200
AMERICAN ELEC PWR INC COMMON STOCK 025537101 29 907 SH OTHER 907 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 923 5550 SH OTHER 5550 0 0
AMERICAN GEN CORP 1 COM & 1 COMMON STOCK 026351106 939 12371 SH OTHER 12371 0 0
AMERICAN HOME PRODS CORP COMMON STOCK 026609107 1661 42321 SH OTHER 41621 0 700
AMERICAN INTL GROUP INC COMMON STOCK 026874107 4608 42621 SH OTHER 42294 0 327
AMERICAN NATL INS CO COM COMMON STOCK 028591105 109 1705 SH OTHER 1705 0 0
AMERICAN PWR CONVERSION CORP COMMON STOCK 029066107 16 600 SH OTHER 600 0 0
AMGEN INC COMMON STOCK 031162100 347 5775 SH OTHER 5775 0 0
ANADARKO PETE CORP 1 COM & 1 COMMON STOCK 032511107 6 172 SH OTHER 172 0 0
APPLE COMPUTER INC 1 COM & 1 COMMON STOCK 037833100 51 500 SH OTHER 500 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 0 35 SH OTHER 35 0 0
ARROW ELECTRS INC 1 CMN AND 1 COMMON STOCK 042735100 38 1486 SH OTHER 1486 0 0
ASSOCIATES FIRST CAP CORP CL A COMMON STOCK 046008108 23 840 SH OTHER 550 290 0
AT&T CORP - LIBERTY MEDIA-A COMMON STOCK 001957208 6 100 SH OTHER 100 0 0
ATLANTIC RICHFIELD COMMON STOCK 048825103 2071 23943 SH OTHER 23943 0 0
AUTOLIV INC COM COMMON STOCK 052800109 7 254 SH OTHER 254 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 1426 26462 SH OTHER 26462 0 0
AVISTA CORP COMMON STOCK 05379B107 6 400 SH OTHER 400 0 0
AXA FINANCIAL INC COMMON STOCK 002451102 3 100 SH OTHER 100 0 0
BAKER HUGHES INC 1 COM & 1 COMMON STOCK 057224107 67 3190 SH OTHER 3190 0 0
BANK NEW YORK INC 1 COM & 1 COMMON STOCK 064057102 18 448 SH OTHER 448 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 444 8837 SH OTHER 8837 0 0
BANK ONE CORP COMMON STOCK 06423A103 115 3597 SH OTHER 3597 0 0
BEAR STEARNS COS INC COMMON STOCK 073902108 19 446 SH OTHER 446 0 0
BECTON DICKINSON & CO 1 COM & COMMON STOCK 075887109 80 2970 SH OTHER 2970 0 0
BELL ATLANTIC CORP 1 COM & 1 COMMON STOCK 077853109 902 14646 SH OTHER 14646 0 0
BELLSOUTH CORP 1 COM & 1 TAKEO COMMON STOCK 079860102 1042 22262 SH OTHER 22262 0 0
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 112 2 SH OTHER 2 0 0
BERKSHIRE HATHAWAY INC DEL CL COMMON STOCK 084670207 66 36 SH OTHER 36 0 0
BESTFOODS COM COMMON STOCK 08658U101 605 11510 SH OTHER 11210 0 300
BLACK & DECKER MFG CO 1 COM & COMMON STOCK 091797100 81 1550 SH OTHER 1550 0 0
BLACKROCK 2001 TERM TR INC COM COMMON STOCK 092477108 23 2606 SH OTHER 2606 0 0
BLOCK H & R INC 1 COM & 1 TAKE COMMON STOCK 093671105 1 25 SH OTHER 25 0 0
BOEING CO 1 COM & 1 TAKEOVER R COMMON STOCK 097023105 682 16450 SH OTHER 16350 0 100
BP PRUDHOE BAY RTY TR UNIT BEN COMMON STOCK 055630107 9 1000 SH OTHER 1000 0 0
BRADLEY REAL ESTATE INC COM COMMON STOCK 104580105 24 1400 SH OTHER 1400 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 51 800 SH DEFINED 0 0 800
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 5463 85110 SH OTHER 84360 0 750
BUCKEYE PARTNERS L P UNIT LTD COMMON STOCK 118230101 52 2000 SH OTHER 2000 0 0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK 12189T104 261 10782 SH OTHER 10782 0 0
BURLINGTON RES INC COM COMMON STOCK 122014103 16 475 SH OTHER 475 0 0
CAMPBELL SOUP CO COMMON STOCK 134429109 116 3000 SH OTHER 3000 0 0
CAREMARK RX INC COMMON STOCK 141705103 0 93 SH OTHER 93 0 0
CARNIVAL CORP CL A COMMON STOCK 143658102 6 125 SH OTHER 125 0 0
CAROLINA PWR & LT CO COMMON STOCK 144141108 24 800 SH OTHER 800 0 0
CATERPILLAR INC 1 COM & TAKEOV COMMON STOCK 149123101 104 2200 SH OTHER 2200 0 0
CAVALIER HOMES INC COM COMMON STOCK 149507105 201 50973 SH OTHER 47842 0 3131
CBS CORPORATION COM COMMON STOCK 12490K107 1499 23440 SH OTHER 23440 0 0
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 201 10025 SH OTHER 10025 0 0
CENTURYTEL INC COMMON STOCK 156700106 156 3300 SH OTHER 3300 0 0
CHAMPION INTL CORP 1 COM & 1 COMMON STOCK 158525105 9 138 SH OTHER 138 0 0
CHASE MANHATTAN CORP NEW COM COMMON STOCK 16161A108 984 12661 SH OTHER 12511 0 150
CHEVRON CORP 1 COM & 1 TAKEOVE COMMON STOCK 166751107 4422 51050 SH OTHER 50350 0 700
CHUBB CORP COM COMMON STOCK 171232101 138 2450 SH OTHER 2450 0 0
CIGNA CORP 1 COM & 1 TAKEOVER COMMON STOCK 125509109 171 2125 SH OTHER 2125 0 0
CINERGY CORP COM COMMON STOCK 172474108 17 700 SH OTHER 700 0 0
CISCO SYS INC COMMON STOCK 17275R102 5 50 SH DEFINED 50 0 0
CISCO SYS INC COMMON STOCK 17275R102 2144 20015 SH OTHER 20015 0 0
CITIGROUP INC COMMON STOCK 172967101 5098 91551 SH OTHER 91551 0 0
CITIZENS UTILS CO DEL SER B COMMON STOCK 177342201 977 68865 SH OTHER 68865 0 0
CK WITCO CORPORATION COMMON STOCK 12562C108 16 1200 SH OTHER 1200 0 0
COCA COLA CO COMMON STOCK 191216100 6183 106150 SH OTHER 106150 0 0
COLGATE PALMOLIVE CO 1 COM & 1 COMMON STOCK 194162103 264 4057 SH OTHER 2257 0 1800
COLUMBIA ENERGY GROUP COMMON STOCK 197648108 10 155 SH OTHER 155 0 0
COMPAQ COMPUTER CORP 1 COM & 1 COMMON STOCK 204493100 1385 51168 SH OTHER 51168 0 0
COMPASS BANCSHARES INC COM COMMON STOCK 20449H109 73 3262 SH OTHER 3262 0 0
COMPUTER ASSOC INTL INC COMMON STOCK 204912109 14 200 SH OTHER 200 0 0
CONEXANT SYS INC COMMON STOCK 207142100 50 750 SH OTHER 750 0 0
CONSECO INC COMMON STOCK 208464107 21 1181 SH OTHER 1181 0 0
CONSOLIDATED EDISON INC COM COMMON STOCK 209115104 48 1400 SH OTHER 1400 0 0
CONSOLIDATED NAT GAS CO COMMON STOCK 209615103 104 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 13 800 SH OTHER 800 0 0
CORN PRODS INTL INC COM COMMON STOCK 219023108 5 150 SH OTHER 150 0 0
COX COMMUNICATIONS INC CL A COMMON STOCK 224044107 15 300 SH OTHER 300 0 0
CSX CORP 1 COM & 1 TAKEOVER RT COMMON STOCK 126408103 86 2750 SH OTHER 2750 0 0
DARDEN RESTAURANTS INC COM COMMON STOCK 237194105 48 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 633 8623 SH OTHER 8623 0 0
DEBT STRATEGIES @CORP FUND II COMMON STOCK 242901106 14 2000 SH OTHER 2000 0 0
DELL COMPUTER CORP COMMON STOCK 247025109 97 1896 SH OTHER 1896 0 0
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 455 28897 SH OTHER 28897 0 0
DISNEY WALT CO COM COMMON STOCK 254687106 1181 40362 SH OTHER 40362 0 0
DOMINION RES INC VA COMMON STOCK 257470104 2 60 SH OTHER 60 0 0
DOW CHEM CO COMMON STOCK 260543103 3177 23775 SH OTHER 23775 0 0
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 5762 87469 SH OTHER 87194 0 275
DUFF & PHELPS UTILITIES INC CO COMMON STOCK 264324104 8 975 SH DEFINED 975 0 0
DUKE ENERGY CORP COMMON STOCK 264399106 611 12190 SH OTHER 12190 0 0
DUN & BRADSTREET CORP COM COMMON STOCK 26483B106 241 8158 SH OTHER 8158 0 0
E M C CORP MASS COMMON STOCK 268648102 11 100 SH DEFINED 100 0 0
E M C CORP MASS COMMON STOCK 268648102 2030 18581 SH OTHER 18581 0 0
E-TEK DYNAMICS INC COMMON STOCK 269240107 8 60 SH DEFINED 60 0 0
EASTMAN CHEM CO COM COMMON STOCK 277432100 40 848 SH OTHER 848 0 0
EASTMAN KODAK CO COMMON STOCK 277461109 368 5556 SH OTHER 5556 0 0
EATON CORP 1 COM & 1 TAKEOVER COMMON STOCK 278058102 196 2700 SH OTHER 2700 0 0
EDISON INTL COM COMMON STOCK 281020107 453 17302 SH OTHER 17302 0 0
EDWARDS A G INC 1 COM & 1 TAKE COMMON STOCK 281760108 65 2020 SH OTHER 1405 0 615
EL PASO ENERGY CORP COMMON STOCK 283905107 61 1569 SH OTHER 1569 0 0
ELECTRONIC DATA SYS CORP NEW C COMMON STOCK 285661104 945 14111 SH OTHER 14111 0 0
ELI LILLY & CO 1 COM & 1 TAKEO COMMON STOCK 532457108 145 2175 SH OTHER 2175 0 0
EMERSON ELEC CO COMMON STOCK 291011104 1604 27949 SH OTHER 27199 0 750
ENERGY EAST CORP COM COMMON STOCK 29266M109 10 482 SH OTHER 482 0 0
ENRON CORP COM COMMON STOCK 293561106 359 8098 SH OTHER 8098 0 0
ENTERGY CORP NEW COM COMMON STOCK 29364G103 308 11975 SH OTHER 11975 0 0
EXCO RES INC COMMON STOCK 269279204 34 4664 SH OTHER 4664 0 0
EXPEDIA INC -CL A COMMON STOCK 302125109 1 30 SH DEFINED 30 0 0
EXXON MOBIL CORPORATION COMMON STOCK 30231G102 46377 575660 SH OTHER 573289 832 1539
FANNIE MAE COMMON STOCK 313586109 4242 67947 SH OTHER 67947 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 326 4439 SH OTHER 4065 0 374
FIRST DATA CORP COM COMMON STOCK 319963104 321 6500 SH OTHER 6500 0 0
FIRST UN CORP COMMON STOCK 337358105 240 7275 SH OTHER 7275 0 0
FIRSTENERGY CORP COM COMMON STOCK 337932107 1 58 SH OTHER 58 0 0
FLEET BOSTON FINANCIAL CORP COMMON STOCK 339030108 246 7054 SH OTHER 7054 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 21 450 SH OTHER 450 0 0
FORD MOTOR CO DEL COMMON STOCK 345370100 1000 18757 SH OTHER 18201 556 0
FORTUNE BRANDS INC COM COMMON STOCK 349631101 409 12364 SH OTHER 12364 0 0
FREDDIE MAC COMMON STOCK 313400301 523 11117 SH OTHER 11117 0 0
FRIEDMAN BILLINGS RAMSEY GROUP COMMON STOCK 358433100 4 500 SH OTHER 500 0 0
GANNETT INC 1 COM & 1 TAKEOVER COMMON STOCK 364730101 629 7715 SH OTHER 7715 0 0
GAP INC COMMON STOCK 364760108 41 887 SH OTHER 887 0 0
GARTNER GROUP INC-CL COMMON STOCK 366651206 0 4 SH OTHER 4 0 0
GENERAL ELEC CO COMMON STOCK 369604103 8 50 SH DEFINED 50 0 0
GENERAL ELEC CO COMMON STOCK 369604103 16657 107635 SH OTHER 106260 0 1375
GENERAL MILLS INC 1 COM & 1 COMMON STOCK 370334104 904 25300 SH OTHER 24800 500 0
GENERAL MTRS CORP COMMON STOCK 370442105 3397 46733 SH OTHER 46733 0 0
GENERAL MTRS CORP CL H NEW COMMON STOCK 370442832 323 3368 SH OTHER 3368 0 0
GILLETTE CO COM COMMON STOCK 375766102 1149 27888 SH OTHER 27888 0 0
GLOBAL CROSSING LTD COMMON STOCK G3921A100 620 12400 SH OTHER 12400 0 0
GLOBAL INDS LTD COM COMMON STOCK 379336100 4 500 SH OTHER 500 0 0
GOODYEAR TIRE & RUBR CO 1 COM COMMON STOCK 382550101 17 600 SH OTHER 600 0 0
GPU INC COM COMMON STOCK 36225X100 9 300 SH OTHER 300 0 0
GRAINGER W W INC 1 COM & 1 COMMON STOCK 384802104 77 1600 SH OTHER 1600 0 0
GRAY COMMUNICATIONS SYS-CL B COMMON STOCK 389190208 2780 205908 SH OTHER 205908 0 0
GREAT LAKES CHEM CORP 1 COM & COMMON STOCK 390568103 23 600 SH OTHER 600 0 0
GTE CORP 1 COM & 1 TAKEOVER RT COMMON STOCK 362320103 1751 24812 SH OTHER 24737 0 75
GUIDANT CORP COM COMMON STOCK 401698105 47 1000 SH OTHER 1000 0 0
HALLIBURTON CO 1 COM & 1 TAKEO COMMON STOCK 406216101 493 12260 SH OTHER 12260 0 0
HARLEY DAVIDSON INC 1 COM & 1 COMMON STOCK 412822108 225 3510 SH OTHER 3510 0 0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK 416515104 118 2496 SH OTHER 2496 0 0
HEALTH CARE PPTYS INVS INC COMMON STOCK 421915109 19 780 SH OTHER 780 0 0
HEINZ H J CO COMMON STOCK 423074103 413 10373 SH OTHER 10373 0 0
HERCULES INC 1 COM & 1 TAKEOVE COMMON STOCK 427056106 47 1700 SH OTHER 1700 0 0
HEWLETT PACKARD CO COMMON STOCK 428236103 2566 22562 SH OTHER 22112 0 450
HOME DEPOT INC COMMON STOCK 437076102 15 225 SH DEFINED 225 0 0
HOME DEPOT INC COMMON STOCK 437076102 4548 66152 SH OTHER 65027 0 1125
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 2572 44579 SH OTHER 44579 0 0
HOUSEHOLD INTL INC COM COMMON STOCK 441815107 220 5900 SH OTHER 3500 2400 0
HRPT PPTY TR COM COMMON STOCK 40426W101 5 500 SH OTHER 500 0 0
HUSSMANN INTERNATIONAL, INC CO COMMON STOCK 448110106 28 1875 SH OTHER 1875 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 117 1725 SH OTHER 1725 0 0
IMATION CORP COM COMMON STOCK 45245A107 21 620 SH OTHER 620 0 0
IMS HEALTH INC COM COMMON STOCK 449934108 443 16306 SH OTHER 16306 0 0
INFORMIX CORP COMMON STOCK 456779107 6 500 SH OTHER 500 0 0
INTEL CORP COM COMMON STOCK 458140100 4051 49218 SH OTHER 48818 0 400
INTERNATIONAL BUSINESS MACHS C COMMON STOCK 459200101 19949 184929 SH OTHER 184429 0 500
INTERNATIONAL PAPER CO COMMON STOCK 460146103 12 212 SH OTHER 212 0 0
INTUIT COM COMMON STOCK 461202103 36 600 SH OTHER 600 0 0
ITT INDS INC COM COMMON STOCK 450911102 27 817 SH OTHER 817 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 5311 56958 SH OTHER 56758 0 200
JOHNSON CTLS INC 1 COM & 1 COMMON STOCK 478366107 46 800 SH OTHER 800 0 0
K MART CORP 1 COM & 1 TAKEOVER COMMON STOCK 482584109 18 1750 SH OTHER 1750 0 0
KANSAS CITY PWR & LT CO COMMON STOCK 485134100 66 3000 SH OTHER 3000 0 0
KEMPER MULTI-MARKET INCOME TR COMMON STOCK 48842B106 79 10000 SH OTHER 10000 0 0
KEYCORP NEW COM COMMON STOCK 493267108 101 4575 SH OTHER 4575 0 0
KIMBERLY CLARK CORP 1 COM & 1 COMMON STOCK 494368103 815 12460 SH OTHER 11960 0 500
KOHLS CORP COM COMMON STOCK 500255104 18 250 SH OTHER 250 0 0
KROGER CO COMMON STOCK 501044101 35 1850 SH OTHER 1850 0 0
LEGATO SYS INC COM COMMON STOCK 524651106 28 400 SH OTHER 400 0 0
LEHMAN BROTHERS HLDGS INC COM COMMON STOCK 524908100 34 400 SH OTHER 400 0 0
LG&E ENERGY CORP COMMON STOCK 501917108 10 556 SH OTHER 556 0 0
LIBERTE INVS INC COM COMMON STOCK 530154103 1 300 SH DEFINED 0 0 300
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109 15 666 SH OTHER 666 0 0
LUCENT TECHNOLOGIES INC COM COMMON STOCK 549463107 8968 119575 SH OTHER 117651 1212 712
MALLINCKRODT INC NEW COM COMMON STOCK 561232109 344 10800 SH OTHER 10800 0 0
MANAGED HIGH INCOME PORTFOLIO COMMON STOCK 56166C105 26 3228 SH OTHER 3228 0 0
MANULIFE FINANCIAL CORP COMMON STOCK 56501R106 160 12604 SH OTHER 12604 0 0
MAY DEPT STORES CO 1 COM & 1 COMMON STOCK 577778103 393 12175 SH OTHER 12175 0 0
MBNA CORP COMMON STOCK 55262L100 69 2530 SH OTHER 2530 0 0
MCDONALDS CORP 1 COM & 1 TAKEO COMMON STOCK 580135101 1474 36564 SH OTHER 36564 0 0
MCGRAW-HILL COMPANIES INC COMMON STOCK 580645109 624 10130 SH OTHER 10130 0 0
MCI WORLDCOM INC COM COMMON STOCK 55268B106 8 150 SH DEFINED 150 0 0
MCI WORLDCOM INC COM COMMON STOCK 55268B106 750 14139 SH OTHER 14139 0 0
MCKESSON HBOC INC COMMON STOCK 58155Q103 32 1421 SH OTHER 1421 0 0
MDU RES GROUP INC 1 COM & 1 COMMON STOCK 552690109 90 4500 SH OTHER 4500 0 0
MEDIAONE GROUP INC COM COMMON STOCK 58440J104 127 1652 SH OTHER 1652 0 0
MEDTRONIC INC 1 COM & 1 TAKEOV COMMON STOCK 585055106 704 19321 SH OTHER 19321 0 0
MELLON FINANCIAL CORP COMMON STOCK 58551A108 80 2360 SH OTHER 2360 0 0
MERCK & CO INC COMMON STOCK 589331107 3175 47263 SH OTHER 46913 0 350
MERRILL LYNCH & CO INC 1 COM & COMMON STOCK 590188108 304 3652 SH OTHER 3652 0 0
MFS GOVT MKTS INCOME TR SH BEN COMMON STOCK 552939100 106 18660 SH OTHER 18660 0 0
MFS SPL VALUE TR SH BEN INT COMMON STOCK 55274E102 15 1000 SH OTHER 1000 0 0
MICROSOFT CORP COMMON STOCK 594918104 7 60 SH DEFINED 60 0 0
MICROSOFT CORP COMMON STOCK 594918104 3735 31993 SH OTHER 31993 0 0
MIDAS GROUP INC COM COMMON STOCK 595626102 15 687 SH OTHER 687 0 0
MINNESOTA MNG & MFG CO COMMON STOCK 604059105 2325 23758 SH OTHER 23358 0 400
MINNESOTA PWR INC COMMON STOCK 604110106 5 300 SH OTHER 300 0 0
MONSANTO CO 1 COM & 1 TAKEOVER COMMON STOCK 611662107 489 13800 SH OTHER 13800 0 0
MONY GROUP INC COMMON STOCK 615337102 26 894 SH OTHER 894 0 0
MORGAN J P & CO INC COMMON STOCK 616880100 2366 18688 SH OTHER 18688 0 0
MORGAN STANLEY DEAN WITTER & C COMMON STOCK 617446448 284 1992 SH OTHER 1992 0 0
MOTOROLA INC 1 COM & 1 TAKEOVE COMMON STOCK 620076109 2220 15075 SH OTHER 15075 0 0
NABISCO GROUP HLDG CORP COMMON STOCK 62952P102 0 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 189 6206 SH OTHER 6206 0 0
NEW PLAN EXCEL RLTY TR INC COMMON STOCK 648053106 11 675 SH DEFINED 675 0 0
NEWELL RUBBERMAID INC COMMON STOCK 651229106 341 11750 SH OTHER 11750 0 0
NORFOLK SOUTHN CORP COMMON STOCK 655844108 52 2525 SH OTHER 2525 0 0
NUVEEN INSD MUN OPPORTUNITY FD COMMON STOCK 670984103 12 1000 SH OTHER 1000 0 0
NUVEEN MUN ADVANTAGE FD INC COMMON STOCK 67062H106 94 7800 SH OTHER 7800 0 0
NUVEEN MUN INCOME FD INC COMMON STOCK 67062J102 72 6882 SH OTHER 6882 0 0
NUVEEN MUN MKT OPPORTUNITY FD COMMON STOCK 67062W103 60 4875 SH OTHER 4875 0 0
NUVEEN MUN VALUE FD INC COMMON STOCK 670928100 141 17865 SH OTHER 17865 0 0
NUVEEN PERFORMANCE PLUS MUN FD COMMON STOCK 67062P108 44 3800 SH OTHER 3800 0 0
NUVEEN PREM INCOME MUN FD 4 IN COMMON STOCK 6706K4105 62 5073 SH OTHER 5073 0 0
NUVEEN QUALITY INCOME MUN FD I COMMON STOCK 670977107 6 500 SH OTHER 500 0 0
NUVEEN SELECT TAX FREE INCOME COMMON STOCK 67063C106 45 3471 SH OTHER 3471 0 0
NUVEEN SELECT TAX-FREE INCOME COMMON STOCK 67062F100 45 3393 SH OTHER 3393 0 0
NUVEEN TX QUALITY INCOME MUN F COMMON STOCK 670983105 144 12029 SH OTHER 12029 0 0
OCTEL CORP - W/I COM COMMON STOCK 675727101 2 150 SH OTHER 150 0 0
OFFICEMAX INC COM COMMON STOCK 67622M108 3 500 SH OTHER 500 0 0
OGE ENERGY CORP COM COMMON STOCK 670837103 68 3584 SH OTHER 3584 0 0
PACTIV CORP COMMON STOCK 695257105 11 1000 SH OTHER 1000 0 0
PANHANDLE RTY CO COMMON STOCK 698477106 13 1800 SH OTHER 1800 0 0
PATTERSON ENERGY INC COMMON STOCK 703414102 117 9000 SH OTHER 9000 0 0
PENNEY J C INC 1 COM & 1 TAKEO COMMON STOCK 708160106 72 3600 SH OTHER 3600 0 0
PEPSICO INC COMMON STOCK 713448108 1846 52381 SH OTHER 52281 0 100
PFIZER INC 1 COM & 1 TAKEOVER COMMON STOCK 717081103 1229 37900 SH OTHER 37375 0 525
PG&E CORP COM COMMON STOCK 69331C108 68 3330 SH OTHER 3330 0 0
PHARMACIA & UPJOHN INC COM COMMON STOCK 716941109 376 8366 SH OTHER 8366 0 0
PHELPS DODGE CORP 1 COM & 1 COMMON STOCK 717265102 435 6450 SH OTHER 6450 0 0
PHILIP MORRIS COS COM COMMON STOCK 718154107 264 11475 SH OTHER 11475 0 0
PHILLIPS PETE CO 1 COM & 1 COMMON STOCK 718507106 1510 32138 SH OTHER 32138 0 0
PILGRIM PRIME RATE TRUST COMMON STOCK 72146W103 80 10000 SH OTHER 10000 0 0
PITNEY BOWES INC 1 COM & 1 COMMON STOCK 724479100 111 2300 SH OTHER 2300 0 0
POST PPTYS INC COM COMMON STOCK 737464107 5 123 SH OTHER 123 0 0
POTOMAC ELEC PWR CO COMMON STOCK 737679100 9 400 SH OTHER 400 0 0
PPG INDS INC 1 COM & 1 TAKEOVE COMMON STOCK 693506107 20 320 SH OTHER 320 0 0
PRAXAIR INC COM COMMON STOCK 74005P104 1567 31155 SH OTHER 31155 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 9919 90531 SH OTHER 90131 0 400
PUBLIC SVC ENTERPRISE GROUP IN COMMON STOCK 744573106 56 1600 SH OTHER 1600 0 0
PUGET SOUND ENERGY INC COMMON STOCK 745332106 10 500 SH OTHER 500 0 0
PUTNAM MASTER INTER INCOME TR COMMON STOCK 746909100 84 14070 SH OTHER 14070 0 0
QUAKER OATS CO 1 COM & 1 TAKEO COMMON STOCK 747402105 525 7995 SH OTHER 7995 0 0
QUALCOMM INC COMMON STOCK 747525103 21 120 SH DEFINED 120 0 0
QWEST COMMUNICATIONS INTL INC COMMON STOCK 749121109 4 100 SH OTHER 100 0 0
R H DONNELLEY CORP COMMON STOCK 74955W307 8 443 SH OTHER 443 0 0
R J REYNOLDS TOBACCO HOLD COMMON STOCK 76182K105 0 12 SH OTHER 12 0 0
RAYTHEON CO CL A COMMON STOCK 755111309 108 4336 SH OTHER 4336 0 0
RAYTHEON CO CL B COMMON STOCK 755111408 198 7464 SH OTHER 7464 0 0
REALTY INCOME CORP COM COMMON STOCK 756109104 11 525 SH DEFINED 525 0 0
RELIANT ENERGY INC COMMON STOCK 75952J108 1106 48365 SH OTHER 48365 0 0
RESPONSE ONCOLOGY INC FORMERLY COMMON STOCK 761232305 0 165 SH OTHER 165 0 0
REYNOLDS METALS CO 1 COM & 1 COMMON STOCK 761763101 28 364 SH OTHER 364 0 0
ROCKWELL INTERNATIONAL CORP NE COMMON STOCK 773903109 48 1000 SH OTHER 1000 0 0
ROHM & HAAS CO COMMON STOCK 775371107 323 7948 SH OTHER 7737 0 211
SABINE RTY TR UNIT BEN INT COMMON STOCK 785688102 548 40797 SH OTHER 40797 0 0
SAFEWAY INC COM NEW COMMON STOCK 786514208 257 7197 SH OTHER 7197 0 0
SALOMON BROS FD INC COMMON STOCK 795477108 1 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 269 12200 SH OTHER 12200 0 0
SBC COMMUNICATIONS INC COM COMMON STOCK 78387G103 8558 175548 SH OTHER 173148 2400 0
SCANSOFT INC COMMON STOCK 80603P107 2 419 SH OTHER 419 0 0
SCHERING PLOUGH CORP 1 COM & 1 COMMON STOCK 806605101 4957 116990 SH OTHER 116240 0 750
SCHWAB CHARLES CORP NEW COMMON STOCK 808513105 41 1075 SH OTHER 1075 0 0
SEALED AIR CORP COM COMMON STOCK 81211K100 74 1431 SH OTHER 1431 0 0
SEARS ROEBUCK & CO COMMON STOCK 812387108 139 4583 SH OTHER 4583 0 0
SEMPRA ENERGY COM COMMON STOCK 816851109 8 450 SH DEFINED 450 0 0
SEMPRA ENERGY COM COMMON STOCK 816851109 2 100 SH OTHER 100 0 0
SENIOR HOUSING PROP TRUST COMMON STOCK 81721M109 1 50 SH OTHER 50 0 0
SERVICE CORP INTL 1 COM & 1 COMMON STOCK 817565104 10 1500 SH OTHER 1500 0 0
SHERWIN WILLIAMS CO 1 COM & 1 COMMON STOCK 824348106 501 23834 SH OTHER 23834 0 0
SOLUTIA INC COM COMMON STOCK 834376105 29 1900 SH OTHER 1900 0 0
SONOCO PRODS CO COMMON STOCK 835495102 10 440 SH OTHER 440 0 0
SOTHEBYS HLDGS INC CL A COMMON STOCK 835898107 6 200 SH OTHER 200 0 0
SOUTHERN CO COMMON STOCK 842587107 875 37231 SH OTHER 37231 0 0
SOUTHWEST AIRLS CO 1 COM & 1 COMMON STOCK 844741108 54 3375 SH OTHER 3375 0 0
SPRINT CORP (PCS GROUP) COMMON STOCK 852061506 63 612 SH OTHER 612 0 0
SPRINT CORP COM COMMON STOCK 852061100 124 1848 SH OTHER 1848 0 0
ST PAUL COS INC 1 COM & 1 TAKE COMMON STOCK 792860108 84 2500 SH OTHER 2500 0 0
STARWOOD HOTELS & RESORTS COMMON STOCK 85590A203 33 1389 SH OTHER 1389 0 0
STATE STREET CORP COM COMMON STOCK 857477103 1623 22217 SH OTHER 21517 0 700
STERLING COMM INC COM COMMON STOCK 859205106 27 796 SH OTHER 796 0 0
STERLING SOFTWARE INC COMMON STOCK 859547101 32 1000 SH OTHER 1000 0 0
STEWART INFORMATION SVCS CORP COMMON STOCK 860372101 48 3600 SH OTHER 3600 0 0
SUN MICROSYSTEMS INC COM COMMON STOCK 866810104 439 5671 SH OTHER 5671 0 0
SUNOCO INC COMMON STOCK 86764P109 5 220 SH OTHER 220 0 0
SUPERVALU INC COM COMMON STOCK 868536103 56 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
TECO ENERGY INC 1 COM & 1 TAKE COMMON STOCK 872375100 56 3000 SH OTHER 3000 0 0
TEXACO INC 1 COM & 1 TAKEOVER COMMON STOCK 881694103 2641 48627 SH OTHER 48627 0 0
TEXAS INSTRS INC 1 COM & 1 COMMON STOCK 882508104 7247 75000 SH OTHER 75000 0 0
TEXAS UTILITIES CO. COMMON STOCK 882848104 1813 50988 SH OTHER 50988 0 0
THERMO ELECTRON CORP 1 COMMON COMMON STOCK 883556102 12 825 SH OTHER 825 0 0
TIDEL TECHNOLOGIES INC COMMON STOCK 886368109 28 10000 SH OTHER 10000 0 0
TIME WARNER INC COMMON STOCK 887315109 470 6500 SH OTHER 6500 0 0
TRICON GLOBAL RESTAURANTS, INC COMMON STOCK 895953107 290 7508 SH OTHER 7508 0 0
TYCO INTL LTD NEW COM COMMON STOCK 902124106 118 3030 SH OTHER 3030 0 0
U S HOME CORP NEW COM COMMON STOCK 911920106 10 407 SH OTHER 168 0 239
ULTRAMAR DIAMOND SHAMROCK CORP COMMON STOCK 904000106 35 1540 SH OTHER 1540 0 0
UMB FINL CORP COM COMMON STOCK 902788108 728 19282 SH OTHER 19282 0 0
UNION CARBIDE CORP 1 COM & 1 COMMON STOCK 905581104 1446 21668 SH OTHER 21668 0 0
UNION PAC CORP COMMON STOCK 907818108 577 13200 SH OTHER 13200 0 0
UNION PAC RES GROUP INC COM COMMON STOCK 907834105 0 16 SH OTHER 16 0 0
UNISYS CORP COMMON STOCK 909214108 10 300 SH OTHER 300 0 0
UNITED PARCEL SERVICE-CL B COMMON STOCK 911312106 7 100 SH DEFINED 100 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 3322 51113 SH OTHER 51013 0 100
UNOCAL CORP 1 COM & 1 TAKEOVER COMMON STOCK 915289102 161 4800 SH OTHER 4800 0 0
US BANCORP DEL COM COMMON STOCK 902973106 489 20550 SH OTHER 20550 0 0
US WEST INC COM COMMON STOCK 91273H101 245 3409 SH OTHER 3409 0 0
USEC INC. COMMON STOCK 90333E108 4 612 SH OTHER 612 0 0
USX U S STL GROUP COMMON STOCK 90337T101 1 33 SH OTHER 33 0 0
USX-MARATHON GROUP COM NEW COMMON STOCK 902905827 113 4568 SH OTHER 4568 0 0
V F CORP 1 COM & 1 TAKEOVER RI COMMON STOCK 918204108 120 4000 SH OTHER 4000 0 0
VAN KAMPEN AMERN CAP SR INCOME COMMON STOCK 920961109 25 3136 SH OTHER 3136 0 0
VAN KAMPEN INCOME TR SH COMMON STOCK 920957107 80 14000 SH OTHER 14000 0 0
VAN KAMPEN TRUST INVESTMENT GR COMMON STOCK 920929106 213 16400 SH OTHER 16400 0 0
VENATOR GROUP INC COM COMMON STOCK 922944103 143 20400 SH OTHER 20400 0 0
VLASIC FOODS INTL INC COM COMMON STOCK 928559103 2 360 SH OTHER 360 0 0
W. R. GRACE & CO COM COMMON STOCK 38388F108 38 2670 SH OTHER 2670 0 0
WAL MART STORES INC COMMON STOCK 931142103 5196 75169 SH OTHER 74567 202 400
WALGREEN CO 1 COM & 1 TAKEOVER COMMON STOCK 931422109 1968 67269 SH OTHER 65969 0 1300
WARNER LAMBERT CO 1 COM & 1 COMMON STOCK 934488107 1340 16360 SH OTHER 16360 0 0
WASHINGTON REAL ESTATE INVT TR COMMON STOCK 939653101 41 2703 SH OTHER 2703 0 0
WASTE MANAGEMENT NZ LTD - NEW COMMON STOCK 94106L109 146 8510 SH OTHER 8510 0 0
WELLS FARGO CO COMMON STOCK 949746101 2214 54746 SH OTHER 54746 0 0
WEST COAST BANCORP ORE NEW COM COMMON STOCK 952145100 7 500 SH OTHER 500 0 0
WESTERN RES INC COM COMMON STOCK 959425109 40 2383 SH OTHER 2383 0 0
WEYERHAEUSER CO 1 COM & 1 TAKE COMMON STOCK 962166104 29 400 SH OTHER 400 0 0
WHIRLPOOL CORP 1 COM & 1 TAKEO COMMON STOCK 963320106 46 700 SH OTHER 700 0 0
WHITMAN CORP COMMON STOCK 96647R107 50 3750 SH OTHER 3750 0 0
WISCONSIN ENERGY CORP COM COMMON STOCK 976657106 10 528 SH OTHER 528 0 0
WPS RES CORP COM COMMON STOCK 92931B106 10 400 SH OTHER 400 0 0
WRIGLEY WM JR CO COMMON STOCK 982526105 107 1286 SH OTHER 1286 0 0
XEROX CORP 1 COM & 1 TAKEOVER COMMON STOCK 984121103 1391 61299 SH OTHER 60299 0 1000
YORK INTL CORP COMMON STOCK 986670107 3 100 SH OTHER 100 0 0
AEGON N V ORD AMER REG COMMON STOCK 007924103 896 9380 SH OTHER 9380 0 0
ASTRAZENECA PLC COMMON STOCK 046353108 1 25 SH OTHER 25 0 0
BARCLAYS BK PLC SER E 8.000 COMMON STOCK 06738C836 7 300 SH OTHER 300 0 0
BP AMOCO P L C COMMON STOCK 055622104 6507 109714 SH OTHER 109714 0 0
DAIMLERCHRYSLER AG COMMON STOCK D1668R123 10 124 SH OTHER 124 0 0
EDPERBRASCAN CORP COM COMMON STOCK 280905803 0 25 SH OTHER 25 0 0
FRESENIUS MED CARE COMMON STOCK 358029106 79 2800 SH OTHER 2800 0 0
GALLAHER GROUP PLC SPONSORED A COMMON STOCK 363595109 147 9564 SH OTHER 9564 0 0
GLAXO WELLCOME PLC SPONSORED A COMMON STOCK 37733W105 35 633 SH OTHER 633 0 0
IMPERIAL TOBACCO GROUP-ADR COMMON STOCK 453142101 0 25 SH OTHER 25 0 0
NOKIA CORP SPONSORED ADR COMMON STOCK 654902204 10 50 SH DEFINED 50 0 0
NOKIA CORP SPONSORED ADR COMMON STOCK 654902204 625 3272 SH OTHER 3272 0 0
NORTEL NETWORKS CORP COMMON STOCK 656569100 202 2000 SH OTHER 2000 0 0
ROYAL BK CDA MONTREAL QUEBEC COMMON STOCK 780087102 10 150 SH OTHER 150 0 0
ROYAL DUTCH PETE CO NY REGISTR COMMON STOCK 780257804 1197 19757 SH OTHER 19757 0 0
SCHLUMBERGER LTD ADR COMMON STOCK 806857108 3885 69219 SH OTHER 68819 0 400
SCOTTISH PWR PLC COMMON STOCK 81013T705 78 2791 SH OTHER 2791 0 0
SHELL TRANS & TRADING PLC NEW COMMON STOCK 822703609 2 50 SH OTHER 50 0 0
SMITHKLINE BEECHAM PLC ADR ORD COMMON STOCK 832378301 209 3256 SH OTHER 3256 0 0
TRANS-GLOBAL INTERACTIVE LTD COMMON STOCK 892909508 0 12 SH OTHER 12 0 0
UNILEVER PLC COMMON STOCK 904767704 1 44 SH OTHER 44 0 0
VODAFONE AIRTOUCH PLC COMMON STOCK 92857T107 510 10310 SH OTHER 10310 0 0
WESTCOAST ENERGY INC COM COMMON STOCK 95751D102 23 1000 SH OTHER 1000 0 0
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 230 573 SH OTHER N.A. N.A. N.A.
SEALED AIR CORP CVT UNTIL 04/0 PREFERRED STOCK 81211K209 64 1268 SH OTHER N.A. N.A. N.A.
NUVEEN PREMIUM INC MUN FD OTHER 67062T100 12 1021 SH OTHER 1021 0 0
EQUITY INCOME FD UNIT 1ST EXCH OTHER 294700703 189 930 SH OTHER 930 0 0
NASDAQ 100 SHARES OTHER 631100104 5 30 SH DEFINED 30 0 0
LA GLORIA ROYALTY LTD PARTNERS OTHER 999999998 137 1 SH OTHER 1 0 0
</TABLE>
<PAGE>
NORWEST BANK TEXAS, N.A.
<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>
AT&T CORP COMMON STOCK 001957109 5968 117458 SH SOLE 115771 0 1687
AT&T CORP COMMON STOCK 001957109 1188 23372 SH OTHER 22472 0 900
ABBOTT LABS COMMON STOCK 002824100 4570 125864 SH SOLE 121564 0 4300
ABBOTT LABS COMMON STOCK 002824100 925 25464 SH OTHER 25464 0 0
ABERCROMBIE & FITCH CO-CL A COMMON STOCK 002896207 84 3150 SH SOLE 3150 0 0
ABERCROMBIE & FITCH CO-CL A COMMON STOCK 002896207 168 6300 SH OTHER 6300 0 0
ALCOA INC COMMON STOCK 013817101 706 8500 SH SOLE 8500 0 0
ALCOA INC COMMON STOCK 013817101 17 200 SH OTHER 200 0 0
ALLSTATE CORP COMMON STOCK 020002101 409 16991 SH SOLE 16991 0 0
ALLSTATE CORP COMMON STOCK 020002101 160 6637 SH OTHER 6637 0 0
AMERADA HESS CORP COMMON STOCK 023551104 1011 17809 SH SOLE 17809 0 0
AMERCO INC COMMON STOCK 023586100 250 10000 SH SOLE 10000 0 0
AMERICA ONLINE INC COMMON STOCK 02364J104 1749 23053 SH SOLE 22953 0 100
AMERICA ONLINE INC COMMON STOCK 02364J104 459 6054 SH OTHER 6054 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 2546 15315 SH SOLE 15315 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 428 2575 SH OTHER 2575 0 0
AMERICAN GENERAL CORP COMMON STOCK 026351106 728 9594 SH SOLE 9594 0 0
AMERICAN GENERAL CORP COMMON STOCK 026351106 20 259 SH OTHER 259 0 0
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 5018 127846 SH SOLE 127786 0 60
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 1014 25826 SH OTHER 25826 0 0
AMERICAN INTL GROUP INC COMMON STOCK 026874107 5505 50909 SH SOLE 49141 0 1768
AMERICAN INTL GROUP INC COMMON STOCK 026874107 1020 9433 SH OTHER 8683 0 750
AMERICAN NATIONAL INSURANCE COMMON STOCK 028591105 290 4550 SH SOLE 4000 0 550
AMERICAN POWER CONVERSION CORP COMMON STOCK 029066107 1654 62710 SH SOLE 62710 0 0
AMGEN INC COMMON STOCK 031162100 1314 21880 SH SOLE 21880 0 0
AMGEN INC COMMON STOCK 031162100 192 3200 SH OTHER 400 0 2800
AMSOUTH BANCORPORATION COMMON STOCK 032165102 726 37610 SH SOLE 37610 0 0
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 2473 34890 SH SOLE 14890 0 20000
APPLE COMPUTER INC COMMON STOCK 037833100 3115 30299 SH SOLE 30299 0 0
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 200 7300 SH SOLE 6672 0 628
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 19 680 SH OTHER 680 0 0
ATLANTIC RICHFIELD COMPANY COMMON STOCK 048825103 861 9948 SH SOLE 9948 0 0
ATLANTIC RICHFIELD COMPANY COMMON STOCK 048825103 55 636 SH OTHER 636 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 7097 131738 SH SOLE 130688 0 1050
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 1660 30805 SH OTHER 30805 0 0
BRE PPTYS INC CLASS A COMMON STOCK 05564E106 364 16048 SH SOLE 16048 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 468 9319 SH SOLE 9119 0 200
BANK OF AMERICA CORP COMMON STOCK 060505104 716 14267 SH OTHER 14267 0 0
BANK OF NEW YORK INC COMMON STOCK 064057102 640 16000 SH SOLE 16000 0 0
BANK OF NEW YORK INC COMMON STOCK 064057102 157 3920 SH OTHER 3920 0 0
BANK ONE CORP COMMON STOCK 06423A103 820 25635 SH SOLE 22257 0 3378
BANK ONE CORP COMMON STOCK 06423A103 200 6255 SH OTHER 5755 500 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 239 3802 SH SOLE 3802 0 0
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 6 100 SH OTHER 100 0 0
BELL ATLANTIC CORP COMMON STOCK 077853109 2167 35198 SH SOLE 34298 0 900
BELL ATLANTIC CORP COMMON STOCK 077853109 493 8009 SH OTHER 8009 0 0
BELLSOUTH CORP COMMON STOCK 079860102 3750 80105 SH SOLE 80105 0 0
BELLSOUTH CORP COMMON STOCK 079860102 734 15676 SH OTHER 15676 0 0
BESTFOODS COMMON STOCK 08658U101 2966 56426 SH SOLE 56426 0 0
BESTFOODS COMMON STOCK 08658U101 655 12470 SH OTHER 12470 0 0
BOEING CO COMMON STOCK 097023105 675 16283 SH SOLE 16233 0 50
BOEING CO COMMON STOCK 097023105 76 1845 SH OTHER 1845 0 0
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108 5904 91976 SH SOLE 88726 0 3250
BRISTOL-MYERS SQUIBB CO COMMON STOCK 110122108 2411 37565 SH OTHER 32765 0 4800
CALPINE CORP COMMON STOCK 131347106 1358 21220 SH SOLE 21220 0 0
CAMPBELL SOUP CO COMMON STOCK 134429109 294 7610 SH SOLE 7610 0 0
CAMPBELL SOUP CO COMMON STOCK 134429109 135 3500 SH OTHER 3500 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 266 5563 SH SOLE 5563 0 0
CARNIVAL CORP COM COMMON STOCK 143658102 1430 29900 SH SOLE 29500 0 400
CARNIVAL CORP COM COMMON STOCK 143658102 416 8700 SH OTHER 8200 0 500
CASCADE CORP COMMON STOCK 147195101 184 20000 SH SOLE 20000 0 0
CATERPILLAR INC COMMON STOCK 149123101 984 20900 SH SOLE 20300 0 600
CATERPILLAR INC COMMON STOCK 149123101 322 6850 SH OTHER 6850 0 0
CHASE MANHATTAN CORP COMMON STOCK 16161A108 2271 29228 SH SOLE 28958 0 270
CHASE MANHATTAN CORP COMMON STOCK 16161A108 269 3467 SH OTHER 2467 0 1000
CHEVRON CORPORATION COMMON STOCK 166751107 1450 16741 SH SOLE 16441 0 300
CHEVRON CORPORATION COMMON STOCK 166751107 312 3600 SH OTHER 2500 0 1100
CHIRON CORP COMMON STOCK 170040109 1303 30760 SH SOLE 30760 0 0
CHUBB CORP COMMON STOCK 171232101 1635 29026 SH SOLE 29026 0 0
CHUBB CORP COMMON STOCK 171232101 221 3925 SH OTHER 3925 0 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 5588 52161 SH SOLE 48791 0 3370
CISCO SYSTEMS INC COMMON STOCK 17275R102 2059 19220 SH OTHER 12420 0 6800
CITIGROUP INC COMMON STOCK 172967101 3156 56669 SH SOLE 56669 0 0
CITIGROUP INC COMMON STOCK 172967101 774 13894 SH OTHER 12644 0 1250
COASTAL CORP COMMON STOCK 190441105 142 4000 SH SOLE 4000 0 0
COASTAL CORP COMMON STOCK 190441105 177 4984 SH OTHER 4984 0 0
COCA COLA CO COMMON STOCK 191216100 3897 66900 SH SOLE 66900 0 0
COCA COLA CO COMMON STOCK 191216100 950 16304 SH OTHER 14104 200 2000
COMPAQ COMPUTER CORP COMMON STOCK 204493100 984 36367 SH SOLE 36167 0 200
COMPAQ COMPUTER CORP COMMON STOCK 204493100 500 18461 SH OTHER 18461 0 0
COMPUTER ASSOCIATES INTL INC COMMON STOCK 204912109 1843 26358 SH SOLE 26358 0 0
COMPUTER ASSOCIATES INTL INC COMMON STOCK 204912109 573 8200 SH OTHER 8200 0 0
CONAGRA INC COMMON STOCK 205887102 763 33650 SH SOLE 33650 0 0
CONAGRA INC COMMON STOCK 205887102 284 12500 SH OTHER 12500 0 0
CONSOLIDATED NATURAL GAS COMPA COMMON STOCK 209615103 1438 22148 SH SOLE 22148 0 0
CONSOLIDATED NATURAL GAS COMPA COMMON STOCK 209615103 396 6100 SH OTHER 5700 400 0
COSTCO WHOLESALE CORP NEW COMMON STOCK 22160K105 157 1720 SH SOLE 1720 0 0
COSTCO WHOLESALE CORP NEW COMMON STOCK 22160K105 495 5425 SH OTHER 5425 0 0
COX COMMUNICATIONS INC CL A COMMON STOCK 224044107 329 6389 SH OTHER 6389 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 1170 64560 SH SOLE 64560 0 0
DAYTON HUDSON CORP COMMON STOCK 239753106 3292 44831 SH SOLE 44781 0 50
DAYTON HUDSON CORP COMMON STOCK 239753106 406 5527 SH OTHER 5527 0 0
DELL COMPUTER CORP COMMON STOCK 247025109 1288 25246 SH SOLE 25246 0 0
DELL COMPUTER CORP COMMON STOCK 247025109 1469 28803 SH OTHER 22203 0 6600
DISNEY (WALT) CO HOLDING COMMON STOCK 254687106 4411 150809 SH SOLE 145439 0 5370
DISNEY (WALT) CO HOLDING COMMON STOCK 254687106 983 33621 SH OTHER 29621 0 4000
DOMINION RESOURCES INC VA COMMON STOCK 257470104 218 5547 SH SOLE 5547 0 0
DOMINION RESOURCES INC VA COMMON STOCK 257470104 16 400 SH OTHER 400 0 0
DOW CHEMICAL CO COMMON STOCK 260543103 370 2767 SH SOLE 2767 0 0
DOW CHEMICAL CO COMMON STOCK 260543103 27 200 SH OTHER 200 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 5511 83662 SH SOLE 80232 0 3430
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 861 13076 SH OTHER 13076 0 0
DUKE ENERGY CORP COMMON STOCK 264399106 271 5402 SH SOLE 5402 0 0
DUKE ENERGY CORP COMMON STOCK 264399106 47 940 SH OTHER 940 0 0
DUN & BRADSTREET CORP DEL COMMON STOCK 26483B106 459 15572 SH SOLE 15572 0 0
DUN & BRADSTREET CORP DEL COMMON STOCK 26483B106 94 3200 SH OTHER 3200 0 0
DYNAMIC OIL & GAS INC COMMON STOCK 267906105 20 20000 SH SOLE 0 0 20000
E M C CORP MASS COMMON STOCK 268648102 10726 98180 SH SOLE 98140 0 40
E M C CORP MASS COMMON STOCK 268648102 2164 19806 SH OTHER 19706 100 0
EASTMAN KODAK CO COMMON STOCK 277461109 441 6651 SH SOLE 6651 0 0
EASTMAN KODAK CO COMMON STOCK 277461109 62 935 SH OTHER 935 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 217 8300 SH SOLE 8300 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 192 7350 SH OTHER 7350 0 0
EMERSON ELECTRIC CO. COMMON STOCK 291011104 2888 50328 SH SOLE 47928 0 2400
EMERSON ELECTRIC CO. COMMON STOCK 291011104 520 9069 SH OTHER 9069 0 0
ENRON CORP ORE COMMON STOCK 293561106 4807 108320 SH SOLE 105720 0 2600
ENRON CORP ORE COMMON STOCK 293561106 488 11000 SH OTHER 11000 0 0
EQUITY OFFICE PROPERTIES TRUST COMMON STOCK 294741103 346 14040 SH SOLE 14040 0 0
EQUITY OFFICE PROPERTIES TRUST COMMON STOCK 294741103 3 140 SH OTHER 140 0 0
EQUITY RESIDENTIAL PROPS TR COMMON STOCK 29476L107 893 20930 SH SOLE 20930 0 0
EQUITY RESIDENTIAL PROPS TR COMMON STOCK 29476L107 69 1620 SH OTHER 1620 0 0
EXXON MOBIL CORPORATION COMMON STOCK 30231G102 23552 292343 SH SOLE 289711 0 2632
EXXON MOBIL CORPORATION COMMON STOCK 30231G102 6103 75752 SH OTHER 73552 2200 0
FASTENAL CO COMMON STOCK 311900104 1213 27000 SH SOLE 27000 0 0
FASTENAL CO COMMON STOCK 311900104 247 5500 SH OTHER 5500 0 0
FDX CORP COMMON STOCK 31304N107 126 3075 SH SOLE 3075 0 0
FDX CORP COMMON STOCK 31304N107 224 5475 SH OTHER 5475 0 0
FEDERAL HOME LOAN MTG CORP COMMON STOCK 313400301 1689 35888 SH SOLE 34028 0 1860
FEDERAL HOME LOAN MTG CORP COMMON STOCK 313400301 70 1478 SH OTHER 1478 0 0
FANNIE MAE COMMON STOCK 313586109 4248 68039 SH SOLE 67939 0 100
FANNIE MAE COMMON STOCK 313586109 730 11690 SH OTHER 11690 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 2232 30415 SH SOLE 30415 0 0
FIFTH THIRD BANCORP COMMON STOCK 316773100 858 11699 SH OTHER 11699 0 0
FLEET BOSTON FINANCIAL CORP COMMON STOCK 339030108 281 8080 SH SOLE 8080 0 0
FORD MOTOR CO COMMON STOCK 345370100 2381 44667 SH SOLE 43467 0 1200
FORD MOTOR CO COMMON STOCK 345370100 127 2389 SH OTHER 2389 0 0
FORTUNE BRANDS INC COMMON STOCK 349631101 57 1734 SH SOLE 1734 0 0
FORTUNE BRANDS INC COMMON STOCK 349631101 959 29004 SH OTHER 29004 0 0
FRANKLIN RESOURCES INC COMMON STOCK 354613101 481 15000 SH SOLE 15000 0 0
FRANKLIN RESOURCES INC COMMON STOCK 354613101 154 4800 SH OTHER 4800 0 0
GTE CORP COMMON STOCK 362320103 1532 21718 SH SOLE 21718 0 0
GTE CORP COMMON STOCK 362320103 384 5444 SH OTHER 5444 0 0
GANNETT CO COMMON STOCK 364730101 3640 44623 SH SOLE 44623 0 0
GANNETT CO COMMON STOCK 364730101 961 11783 SH OTHER 11783 0 0
GAP INC COMMON STOCK 364760108 743 16150 SH SOLE 16150 0 0
GAP INC COMMON STOCK 364760108 650 14136 SH OTHER 14136 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 1210 22945 SH SOLE 22945 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 129 2440 SH OTHER 2440 0 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 16076 103884 SH SOLE 100909 0 2975
GENERAL ELECTRIC CO COMMON STOCK 369604103 5381 34774 SH OTHER 31824 150 2800
GENERAL MILLS INC COMMON STOCK 370334104 465 13000 SH SOLE 13000 0 0
GENERAL MILLS INC COMMON STOCK 370334104 21 600 SH OTHER 600 0 0
GENERAL MOTORS CORP COMMON STOCK 370442105 1151 15832 SH SOLE 15832 0 0
GENERAL MOTORS CORP COMMON STOCK 370442105 186 2555 SH OTHER 2355 200 0
GILLETTE CO COMMON STOCK 375766102 2600 63121 SH SOLE 58921 0 4200
GILLETTE CO COMMON STOCK 375766102 408 9900 SH OTHER 9900 0 0
GRAY COMMUNICATIONS SYS INC COMMON STOCK 389190208 977 72376 SH SOLE 72376 0 0
GREY WOLF INC COMMON STOCK 397888108 89 31000 SH OTHER 31000 0 0
HALLIBURTON CO COMMON STOCK 406216101 1127 28000 SH SOLE 27850 0 150
HALLIBURTON CO COMMON STOCK 406216101 298 7400 SH OTHER 4900 0 2500
HARKEN ENERGY CORP COMMON STOCK 412552101 10 12000 SH OTHER 12000 0 0
HARLEY-DAVIDSON INC COMMON STOCK 412822108 263 4110 SH SOLE 4050 0 60
HARLEY-DAVIDSON INC COMMON STOCK 412822108 32 500 SH OTHER 500 0 0
HEWLETT PACKARD CO COMMON STOCK 428236103 10589 93092 SH SOLE 89742 0 3350
HEWLETT PACKARD CO COMMON STOCK 428236103 2208 19415 SH OTHER 18765 200 450
HOME DEPOT INC COMMON STOCK 437076102 13638 198371 SH SOLE 193001 0 5370
HOME DEPOT INC COMMON STOCK 437076102 3507 51008 SH OTHER 50858 150 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 4747 82283 SH SOLE 81487 0 796
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1153 19990 SH OTHER 19690 0 300
IBP INC COMMON STOCK 449223106 879 48821 SH SOLE 48821 0 0
IBP INC COMMON STOCK 449223106 7 381 SH OTHER 381 0 0
IMS HEALTH INC COMMON STOCK 449934108 573 21082 SH SOLE 19482 0 1600
IMS HEALTH INC COMMON STOCK 449934108 230 8450 SH OTHER 8450 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 249 3689 SH SOLE 3689 0 0
ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 49 720 SH OTHER 720 0 0
INGERSOLL RAND CO COMMON STOCK 456866102 1218 22116 SH SOLE 22116 0 0
INGERSOLL RAND CO COMMON STOCK 456866102 354 6430 SH OTHER 6430 0 0
INTEL CORP COMMON STOCK 458140100 10999 133628 SH SOLE 128308 0 5320
INTEL CORP COMMON STOCK 458140100 2866 34822 SH OTHER 33222 0 1600
INTERDIGITAL COMMUNICATIONS CO COMMON STOCK 45866A105 75 1000 SH SOLE 1000 0 0
INTERDIGITAL COMMUNICATIONS CO COMMON STOCK 45866A105 788 10500 SH OTHER 750 0 9750
INTERNATIONAL BUSINESS MACHINE COMMON STOCK 459200101 6629 61449 SH SOLE 60849 0 600
INTERNATIONAL BUSINESS MACHINE COMMON STOCK 459200101 1588 14720 SH OTHER 14420 300 0
JEFFERSON PILOT CORP COMMON STOCK 475070108 1144 16760 SH SOLE 16760 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 9538 102287 SH SOLE 99107 0 3180
JOHNSON & JOHNSON COMMON STOCK 478160104 2326 24948 SH OTHER 21748 0 3200
KANSAS CITY PWR & LT CO COMMON STOCK 485134100 63 2878 SH SOLE 2878 0 0
KANSAS CITY PWR & LT CO COMMON STOCK 485134100 147 6650 SH OTHER 6650 0 0
KNIGHT RIDDER INC COMMON STOCK 499040103 1134 19040 SH SOLE 19040 0 0
KROGER CO COMMON STOCK 501044101 232 12274 SH SOLE 12274 0 0
KROGER CO COMMON STOCK 501044101 36 1900 SH OTHER 1900 0 0
LSI LOGIC CORP COMMON STOCK 502161102 1343 19900 SH SOLE 19900 0 0
LEXMARK INTL GROUP INC-CL A COMMON STOCK 529771107 624 6900 SH SOLE 6900 0 0
LEXMARK INTL GROUP INC-CL A COMMON STOCK 529771107 329 3630 SH OTHER 3630 0 0
LILLY ELI & CO COMMON STOCK 532457108 2725 40979 SH SOLE 40579 0 400
LILLY ELI & CO COMMON STOCK 532457108 401 6035 SH OTHER 6035 0 0
LIZ CLAIBORNE INC COMMON STOCK 539320101 356 9450 SH SOLE 9450 0 0
LIZ CLAIBORNE INC COMMON STOCK 539320101 286 7600 SH OTHER 7600 0 0
LOUISIANA PACIFIC CORP COMMON STOCK 546347105 141 10000 SH SOLE 10000 0 0
LOWES COS INC COMMON STOCK 548661107 203 3400 SH SOLE 3400 0 0
LOWES COS INC COMMON STOCK 548661107 36 600 SH OTHER 600 0 0
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 11537 153820 SH SOLE 149474 0 4346
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 2893 38578 SH OTHER 37918 0 660
MCI WORLDCOM INC COMMON STOCK 55268B106 2516 47409 SH SOLE 46989 0 420
MCI WORLDCOM INC COMMON STOCK 55268B106 538 10133 SH OTHER 8633 0 1500
MGM GRAND INC COMMON STOCK 552953101 1072 21300 SH SOLE 21300 0 0
MARSH & MCLENNAN COS INC COMMON STOCK 571748102 309 3225 SH SOLE 3225 0 0
MASCO CORP COMMON STOCK 574599106 926 36500 SH SOLE 36500 0 0
MASCO CORP COMMON STOCK 574599106 315 12400 SH OTHER 12400 0 0
MAY DEPT STORES CO COMMON STOCK 577778103 1415 43888 SH SOLE 43888 0 0
MAY DEPT STORES CO COMMON STOCK 577778103 300 9300 SH OTHER 9300 0 0
MCDONALDS CORP COMMON STOCK 580135101 2688 66675 SH SOLE 61675 0 5000
MCDONALDS CORP COMMON STOCK 580135101 278 6900 SH OTHER 6900 0 0
MCGRAW HILL COS INC COMMON STOCK 580645109 627 10169 SH SOLE 10169 0 0
MCGRAW HILL COS INC COMMON STOCK 580645109 79 1282 SH OTHER 1282 0 0
MCKESSON HBOC INC COMMON STOCK 58155Q103 596 26504 SH SOLE 26504 0 0
MCKESSON HBOC INC COMMON STOCK 58155Q103 15 660 SH OTHER 660 0 0
MCLEODUSA N/C FROM MCLEOD, INC COMMON STOCK 582266102 5299 90000 SH OTHER 90000 0 0
MEDIAONE GROUP INC COMMON STOCK 58440J104 485 6308 SH SOLE 6308 0 0
MEDIAONE GROUP INC COMMON STOCK 58440J104 60 776 SH OTHER 776 0 0
MEDTRONIC INC COMMON STOCK 585055106 6274 172192 SH SOLE 165912 0 6280
MEDTRONIC INC COMMON STOCK 585055106 702 19268 SH OTHER 19268 0 0
MERCK & CO INC COMMON STOCK 589331107 7083 105422 SH SOLE 103672 0 1750
MERCK & CO INC COMMON STOCK 589331107 2070 30812 SH OTHER 26312 0 4500
MERRILL LYNCH & CO INC COMMON STOCK 590188108 2526 30325 SH SOLE 30325 0 0
MERRILL LYNCH & CO INC COMMON STOCK 590188108 840 10083 SH OTHER 10083 0 0
MICROSOFT CORP COMMON STOCK 594918104 10631 91062 SH SOLE 89752 0 1310
MICROSOFT CORP COMMON STOCK 594918104 1825 15629 SH OTHER 15529 100 0
MICRON TECHNOLOGY INC COMMON STOCK 595112103 1464 18830 SH SOLE 18830 0 0
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 3548 36250 SH SOLE 36250 0 0
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 903 9225 SH OTHER 9225 0 0
MORGAN JP & CO INC COMMON STOCK 616880100 841 6638 SH SOLE 6638 0 0
MORGAN JP & CO INC COMMON STOCK 616880100 19 153 SH OTHER 153 0 0
MORGAN STANLEY DEAN WITTER & C COMMON STOCK 617446448 2398 16796 SH SOLE 16796 0 0
MORGAN STANLEY DEAN WITTER & C COMMON STOCK 617446448 445 3119 SH OTHER 2619 0 500
MOTOROLA INC COMMON STOCK 620076109 5459 37075 SH SOLE 36175 0 900
MOTOROLA INC COMMON STOCK 620076109 335 2275 SH OTHER 2275 0 0
NEWELL RUBBERMAID INC COMMON STOCK 651229106 945 32600 SH SOLE 32600 0 0
NEWELL RUBBERMAID INC COMMON STOCK 651229106 228 7857 SH OTHER 7857 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 235 11447 SH SOLE 7152 0 4295
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 208 10156 SH OTHER 10156 0 0
NORTHROP GRUMMAN CORP COMMON STOCK 666807102 443 8200 SH SOLE 8200 0 0
NOVELL INC COMMON STOCK 670006105 68 1700 SH SOLE 1700 0 0
NOVELL INC COMMON STOCK 670006105 501 12550 SH OTHER 12550 0 0
NUCOR CORP COMMON STOCK 670346105 999 18220 SH SOLE 18220 0 0
ORACLE CORP COMMON STOCK 68389X105 1394 12440 SH SOLE 12440 0 0
ORACLE CORP COMMON STOCK 68389X105 1625 14500 SH OTHER 14500 0 0
PE CORP-PE BIOSYSTEMS GRP COMMON STOCK 69332S102 241 2000 SH OTHER 2000 0 0
PE CORP-CELERA GENOMICS COMMON STOCK 69332S201 149 1000 SH SOLE 1000 0 0
PE CORP-CELERA GENOMICS COMMON STOCK 69332S201 75 500 SH OTHER 500 0 0
PACCAR INC COMMON STOCK 693718108 1332 30070 SH SOLE 30070 0 0
PACCAR INC COMMON STOCK 693718108 92 2065 SH OTHER 2065 0 0
PEPSICO INC COMMON STOCK 713448108 3194 90611 SH SOLE 88911 0 1700
PEPSICO INC COMMON STOCK 713448108 407 11534 SH OTHER 11534 0 0
PFIZER INC COMMON STOCK 717081103 7575 233518 SH SOLE 230493 0 3025
PFIZER INC COMMON STOCK 717081103 1853 57137 SH OTHER 56577 560 0
PHILIP MORRIS COMPANIES INC COMMON STOCK 718154107 548 23845 SH SOLE 23845 0 0
PHILIP MORRIS COMPANIES INC COMMON STOCK 718154107 9 400 SH OTHER 400 0 0
PITNEY BOWES INC COMMON STOCK 724479100 1937 40088 SH SOLE 40088 0 0
PITNEY BOWES INC COMMON STOCK 724479100 387 8000 SH OTHER 8000 0 0
PLUM CREEK TIMBER CO INC COMMON STOCK 729251108 458 18300 SH SOLE 18300 0 0
POPULAR INC COMMON STOCK 733174106 768 27500 SH SOLE 27500 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 8748 79848 SH SOLE 78418 0 1430
PROCTER & GAMBLE CO COMMON STOCK 742718109 1997 18224 SH OTHER 18224 0 0
PROGRESSIVE CORP OHIO COMMON STOCK 743315103 366 5000 SH SOLE 5000 0 0
PROLOGIS TRUST COMMON STOCK 743410102 327 17000 SH SOLE 17000 0 0
PROLOGIS TRUST COMMON STOCK 743410102 3 180 SH OTHER 180 0 0
QUAKER OATS CO COMMON STOCK 747402105 1241 18916 SH SOLE 18916 0 0
QUAKER OATS CO COMMON STOCK 747402105 82 1250 SH OTHER 1250 0 0
RELIANT ENERGY INC COMMON STOCK 75952J108 129 5633 SH SOLE 5633 0 0
RELIANT ENERGY INC COMMON STOCK 75952J108 157 6880 SH OTHER 6880 0 0
ROHM & HAAS CO COMMON STOCK 775371107 302 7426 SH SOLE 7390 0 36
ROHM & HAAS CO COMMON STOCK 775371107 83 2044 SH OTHER 2044 0 0
ROSS STORES INC COMMON STOCK 778296103 1336 74500 SH SOLE 74500 0 0
ROSS STORES INC COMMON STOCK 778296103 130 7250 SH OTHER 7250 0 0
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 11233 230430 SH SOLE 226728 0 3702
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 1883 38625 SH OTHER 38625 0 0
SAFEWAY INC COMMON STOCK 786514208 407 11373 SH SOLE 10633 0 740
SAFEWAY INC COMMON STOCK 786514208 31 863 SH OTHER 863 0 0
SARA LEE CORP COMMON STOCK 803111103 3045 137995 SH SOLE 132895 0 5100
SARA LEE CORP COMMON STOCK 803111103 881 39950 SH OTHER 38950 0 1000
SCHERING PLOUGH CORP COMMON STOCK 806605101 5050 119176 SH SOLE 119026 0 150
SCHERING PLOUGH CORP COMMON STOCK 806605101 1286 30345 SH OTHER 30345 0 0
SCHLUMBERGER LTD COMMON STOCK 806857108 3484 62068 SH SOLE 61898 0 170
SCHLUMBERGER LTD COMMON STOCK 806857108 667 11885 SH OTHER 11885 0 0
SCHWAB CHARLES CORP COMMON STOCK 808513105 276 7225 SH SOLE 7225 0 0
SCHWAB CHARLES CORP COMMON STOCK 808513105 1108 28974 SH OTHER 28974 0 0
SEARS ROEBUCK & CO COMMON STOCK 812387108 172 5669 SH SOLE 5669 0 0
SEARS ROEBUCK & CO COMMON STOCK 812387108 233 7672 SH OTHER 7672 0 0
SEMPRA ENERGY COMMON STOCK 816851109 163 9400 SH SOLE 9400 0 0
SEMPRA ENERGY COMMON STOCK 816851109 14 800 SH OTHER 800 0 0
SERVICE CORP INTERNATIONAL COMMON STOCK 817565104 299 43059 SH SOLE 43059 0 0
SERVICE CORP INTERNATIONAL COMMON STOCK 817565104 54 7797 SH OTHER 7797 0 0
SOUTHDOWN INC COMMON STOCK 841297104 557 10785 SH SOLE 10785 0 0
SOUTHERN CO COMMON STOCK 842587107 236 10050 SH SOLE 10050 0 0
SOUTHERN CO COMMON STOCK 842587107 149 6326 SH OTHER 6326 0 0
SOUTHWEST AIRLINES COMPANY COMMON STOCK 844741108 129 7992 SH SOLE 7992 0 0
SOUTHWEST AIRLINES COMPANY COMMON STOCK 844741108 177 10975 SH OTHER 10975 0 0
SPIEKER PROPERTIES INC COMMON STOCK 848497103 371 10190 SH SOLE 10190 0 0
SPIEKER PROPERTIES INC COMMON STOCK 848497103 5 130 SH OTHER 130 0 0
STATE STREET CORP COMMON STOCK 857477103 455 6231 SH SOLE 6011 0 220
STATE STREET CORP COMMON STOCK 857477103 26 362 SH OTHER 362 0 0
SUN MICROSYSTEMS INC COMMON STOCK 866810104 226 2915 SH SOLE 2915 0 0
SUN MICROSYSTEMS INC COMMON STOCK 866810104 488 6300 SH OTHER 6300 0 0
SUNTRUST BANKS INC COMMON STOCK 867914103 1694 24620 SH SOLE 24620 0 0
SUNTRUST BANKS INC COMMON STOCK 867914103 447 6500 SH OTHER 6500 0 0
SYSCO CORP COMMON STOCK 871829107 341 8616 SH SOLE 8616 0 0
TJX COMPANIES INC COMMON STOCK 872540109 1042 50977 SH SOLE 50977 0 0
TJX COMPANIES INC COMMON STOCK 872540109 89 4350 SH OTHER 4350 0 0
TANDY CORP COMMON STOCK 875382103 1476 30000 SH SOLE 30000 0 0
TEXACO INC COMMON STOCK 881694103 1823 33568 SH SOLE 33438 0 130
TEXACO INC COMMON STOCK 881694103 743 13682 SH OTHER 13082 600 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 3705 38347 SH SOLE 38347 0 0
TEXAS INSTRUMENTS INC COMMON STOCK 882508104 1399 14475 SH OTHER 14475 0 0
TEXAS UTILITIES CO (HOLDING CO COMMON STOCK 882848104 1009 28363 SH SOLE 28363 0 0
TEXAS UTILITIES CO (HOLDING CO COMMON STOCK 882848104 210 5897 SH OTHER 5897 0 0
three 3COM CORP COMMON STOCK 885535104 1499 31900 SH SOLE 31900 0 0
TIME WARNER INC COMMON STOCK 887315109 889 12292 SH SOLE 12292 0 0
TIME WARNER INC COMMON STOCK 887315109 210 2900 SH OTHER 2900 0 0
TOOTSIE ROLL INDS COMMON STOCK 890516107 447 13556 SH SOLE 13556 0 0
TRI-CONTINENTAL CORPORATION COMMON STOCK 895436103 139 5000 SH SOLE 5000 0 0
TRI-CONTINENTAL CORPORATION COMMON STOCK 895436103 127 4560 SH OTHER 4560 0 0
TYCO INTL LTD NEW COMMON STOCK 902124106 2472 63390 SH SOLE 62336 0 1054
TYCO INTL LTD NEW COMMON STOCK 902124106 427 10948 SH OTHER 10948 0 0
UAL CORP COMMON STOCK 902549500 642 8275 SH SOLE 8275 0 0
US BANCORP NEW COMMON STOCK 902973106 660 27699 SH SOLE 27699 0 0
US BANCORP NEW COMMON STOCK 902973106 213 8950 SH OTHER 8950 0 0
UNION PACIFIC CORP COMMON STOCK 907818108 372 8510 SH SOLE 8510 0 0
UNISYS CORP COMMON STOCK 909214108 1104 34583 SH SOLE 34583 0 0
UNITED DOMINION REALTY TRUST COMMON STOCK 910197102 147 14900 SH OTHER 14900 0 0
UNITED HEALTHCARE CORP COMMON STOCK 910581107 936 17618 SH SOLE 17618 0 0
US CELLULAR CORP COMMON STOCK 911684108 963 9540 SH SOLE 9540 0 0
U S WEST INC NEW COMMON STOCK 91273H101 575 7990 SH SOLE 7990 0 0
U S WEST INC NEW COMMON STOCK 91273H101 159 2207 SH OTHER 2207 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 4807 73951 SH SOLE 73951 0 0
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 909 13977 SH OTHER 13977 0 0
UNOCAL CORP COMMON STOCK 915289102 346 10300 SH SOLE 10300 0 0
UNOCAL CORP COMMON STOCK 915289102 102 3040 SH OTHER 3040 0 0
WAL MART STORES INC COMMON STOCK 931142103 6311 91303 SH SOLE 89213 0 2090
WAL MART STORES INC COMMON STOCK 931142103 1038 15014 SH OTHER 8014 0 7000
WALGREEN CO COMMON STOCK 931422109 6428 219768 SH SOLE 219158 0 610
WALGREEN CO COMMON STOCK 931422109 1707 58348 SH OTHER 57348 1000 0
WARNER LAMBERT CO COMMON STOCK 934488107 866 10575 SH SOLE 10575 0 0
WARNER LAMBERT CO COMMON STOCK 934488107 94 1144 SH OTHER 1144 0 0
WELLS FARGO & COMPANY (NEW) COMMON STOCK 949746101 4215 104229 SH SOLE 104229 0 0
WELLS FARGO & COMPANY (NEW) COMMON STOCK 949746101 3230 79888 SH OTHER 79088 0 800
WEYERHAEUSER CO COMMON STOCK 962166104 1508 21000 SH SOLE 21000 0 0
WILLAMETTE INDUSTRIES COMMON STOCK 969133107 929 20000 SH SOLE 20000 0 0
XEROX CORP COMMON STOCK 984121103 1118 49294 SH SOLE 49044 0 250
XEROX CORP COMMON STOCK 984121103 200 8819 SH OTHER 8819 0 0
YAHOO! INC (DELAWARE) COMMON STOCK 984332106 281 650 SH OTHER 650 0 0
TOMMY HILFIGER CORP COMMON STOCK G8915Z102 993 42500 SH SOLE 42500 0 0
TOMMY HILFIGER CORP COMMON STOCK G8915Z102 59 2510 SH OTHER 2510 0 0
ROYAL CARIBBEAN CRUISES LTD COMMON STOCK V7780T103 1645 33360 SH SOLE 33360 0 0
ROYAL CARIBBEAN CRUISES LTD COMMON STOCK V7780T103 81 1650 SH OTHER 0 0 1650
BP AMOCO PLC - SPONS ADR COMMON STOCK 055622104 791 13340 SH SOLE 13340 0 0
BP AMOCO PLC - SPONS ADR COMMON STOCK 055622104 1164 19624 SH OTHER 16024 400 3200
EDPERBRASCAN CORP COMMON STOCK 280905803 203 15000 SH SOLE 0 0 15000
DAIMLERCHRYSLER AG COMMON STOCK D1668R123 207 2681 SH SOLE 2681 0 0
AEGON NV ADR COMMON STOCK 007924103 323 3380 SH SOLE 3380 0 0
AEGON NV ADR COMMON STOCK 007924103 21 215 SH OTHER 215 0 0
GALLAHER GROUP PLC COMMON STOCK 363595109 25 1642 SH SOLE 1642 0 0
GALLAHER GROUP PLC COMMON STOCK 363595109 454 29504 SH OTHER 29504 0 0
GLAXO WELLCOME PLC-SPONS ADR COMMON STOCK 37733W105 659 11800 SH SOLE 11800 0 0
GLAXO WELLCOME PLC-SPONS ADR COMMON STOCK 37733W105 84 1500 SH OTHER 1000 0 500
NOKIA CORP-SPON ADR COMMON STOCK 654902204 941 4925 SH SOLE 4895 0 30
NOKIA CORP-SPON ADR COMMON STOCK 654902204 645 3375 SH OTHER 3375 0 0
ROYAL DUTCH PETE CO COMMON STOCK 780257804 2569 42423 SH SOLE 42423 0 0
ROYAL DUTCH PETE CO COMMON STOCK 780257804 1131 18681 SH OTHER 15681 0 3000
VODAFONE AIRTOUCH PLC ADR COMMON STOCK 92857T107 580 11725 SH SOLE 11725 0 0
VODAFONE AIRTOUCH PLC ADR COMMON STOCK 92857T107 219 4415 SH OTHER 3515 900 0
BLACKROCK MUNICIPAL TARGET TER OTHER 09247M105 161 16387 SH SOLE N.A. N.A. N.A.
MSDW INSURED MUNICIPAL TRUST OTHER 61745P866 127 10000 SH OTHER N.A. N.A. N.A.
MUNIYIELD INSURED FUND OTHER 62630E107 317 26849 SH SOLE N.A. N.A. N.A.
NUVEEN INVT QUALITY MUNI FD IN OTHER 67062E103 315 26925 SH SOLE N.A. N.A. N.A.
NUVEEN PREM INCOME MUN FD II OTHER 67063W102 238 17333 SH SOLE N.A. N.A. N.A.
RELIANT ENERGY INC ( 6.000% 3 OTHER 655419AC3 9 10000 SH OTHER N.A. N.A. N.A.
NASDAQ 100 TRUST OTHER 631100104 439 2400 SH SOLE N.A. N.A. N.A.
</TABLE>
<PAGE>
NORWEST BANK TEXAS, N.A.
FORM 13F INFORMATION TABLE
12/31/99
<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>
ALLIED WASTE INDS INC COM PAR$ COM NEW 019589308 44 5000 SH SOLE 5000
AMGEN INC COM COMMON 031162100 48 800 SH SOLE 800
CISCO SYS INC COM COMMON 17275R102 64 600 SH SOLE 600
COCA COLA CO COM COMMON 191216100 12 200 SH SOLE 200
COLGATE PALMOLIVE CO COM COMMON 194162103 26 400 SH SOLE 400
DISNEY WALT CO COM DISNEY COM DIS 254687106 15 500 SH SOLE 500
ELECTRONIC DATA SYS NEW COM COMMON 285661104 33 500 SH SOLE 500
ENRON CORP COM COMMON 293561106 36 800 SH SOLE 800
FEDERAL NATL MTG ASSN COM COMMON 313586109 19 300 SH SOLE 300
GILLETTE CO COM COMMON 375766102 16 400 SH SOLE 400
HOME DEPOT INC COM COMMON 437076102 52 750 SH SOLE 750
INTEL CORP COM COMMON 458140100 33 400 SH SOLE 400
INTERNATIONAL BUSINESS MACHS C COMMON 459200101 43 400 SH SOLE 400
MEDTRONIC INC COM COMMON 585055106 22 600 SH SOLE 600
MERCK & CO INC COM COMMON 589331107 27 400 SH SOLE 400
ORACLE CORP COM COMMON 68389X105 50 450 SH SOLE 450
PEPSI BOTTLING GROUP INC COM COMMON 713409100 33 2000 SH SOLE 2000
PFIZER INC COM COMMON 717081103 29 900 SH SOLE 900
RHYTHMS NETCONNECTIONS INC COM COMMON 762430205 6 200 SH SOLE 200
TIME WARNER INC COM COMMON 887315109 58 800 SH SOLE 800
WAL MART STORES INC COM COMMON 931142103 35 500 SH SOLE 500
16900
</TABLE>
